Home > Grand Mountain Bank, FSB > Performance and Condition Ratios
Grand Mountain Bank, FSB, Performance and Condition Ratios
| 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 | 4.4845% | 2,993 |
| Cost of funding earning assets | 0.3491% | 4,596 |
| Net interest margin | 4.1354% | 1,462 |
| Noninterest income to average assets | 0.4845% | 2,830 |
| Noninterest expense to average assets | 3.3583% | 1,187 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6908% | 3,894 |
| Return on assets (ROA) | 0.6960% | 3,942 |
| Pretax return on assets | 0.9139% | 3,694 |
| Return on Equity (ROE) | 7.1962% | 3,483 |
| Retained earnings to average equity (ytd only) | 7.1962% | 1,313 |
| Net charge-offs to loans | -0.0706% | 4,891 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7274% | 1,061 |
| Assets per employee ($millions) | 4.4153% | 3,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2328% | 2,273 |
| Loan loss allowance to noncurrent loans | 250.9474% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.3586% | 2,967 |
| Noncurrent loans to loans | 0.4913% | 2,711 |
| Net loans and leases to total assets | 72.0950% | 2,076 |
| Net loans and leases to deposits | 79.8043% | 2,800 |
| Net loans and leases to core deposits | 80.7736% | 3,235 |
| Total domestic deposits to total assets | 90.3397% | 228 |
| Equity capital to assets | 9.3968% | 4,431 |
| Core capital (leverage) ratio | 9.1629% | 4,389 |
| Tier 1 risk-based capital ratio | 15.0105% | 2,776 |
| Total risk-based capital ratio | 16.2629% | 2,709 |
| Memoranda: | ||
| Average total assets | $123,425,000 | 3,648 |
| Average earning assets | $112,854,800 | 3,666 |
| Average equity | $11,936,800 | 4,003 |
| Average total loans | $84,969,600 | 3,507 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4406% | 3,237 |
| Cost of funding earning assets | 0.3274% | 4,727 |
| Net interest margin | 4.1132% | 1,583 |
| Noninterest income to average assets | 0.4578% | 2,974 |
| Noninterest expense to average assets | 3.3716% | 1,134 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6445% | 4,169 |
| Return on assets (ROA) | 0.6514% | 4,206 |
| Pretax return on assets | 0.8550% | 3,990 |
| Return on Equity (ROE) | 6.6838% | 3,819 |
| Retained earnings to average equity (ytd only) | 6.6838% | 2,018 |
| Net charge-offs to loans | -0.0455% | 4,814 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9374% | 930 |
| Assets per employee ($millions) | 4.2126% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3552% | 1,742 |
| Loan loss allowance to noncurrent loans | 361.3707% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 3,585 |
| Noncurrent loans to loans | 0.3750% | 3,214 |
| Net loans and leases to total assets | 64.6591% | 3,221 |
| Net loans and leases to deposits | 71.5142% | 3,637 |
| Net loans and leases to core deposits | 72.0562% | 3,946 |
| Total domestic deposits to total assets | 90.4143% | 191 |
| Equity capital to assets | 9.3284% | 4,578 |
| Core capital (leverage) ratio | 8.9900% | 4,647 |
| Tier 1 risk-based capital ratio | 15.8367% | 2,500 |
| Total risk-based capital ratio | 17.0910% | 2,433 |
| Memoranda: | ||
| Average total assets | $121,166,250 | 3,718 |
| Average earning assets | $110,761,750 | 3,736 |
| Average equity | $11,809,250 | 4,059 |
| Average total loans | $82,039,750 | 3,600 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4113% | 3,299 |
| Cost of funding earning assets | 0.2995% | 4,832 |
| Net interest margin | 4.1117% | 1,576 |
| Noninterest income to average assets | 0.4236% | 3,107 |
| Noninterest expense to average assets | 3.4095% | 1,088 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5790% | 4,361 |
| Return on assets (ROA) | 0.5897% | 4,373 |
| Pretax return on assets | 0.7727% | 4,156 |
| Return on Equity (ROE) | 5.9564% | 4,056 |
| Retained earnings to average equity (ytd only) | 5.9564% | 2,298 |
| Net charge-offs to loans | -0.0371% | 4,741 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7886% | 814 |
| Assets per employee ($millions) | 4.0753% | 3,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3485% | 1,815 |
| Loan loss allowance to noncurrent loans | 352.9231% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.2658% | 3,502 |
| Noncurrent loans to loans | 0.3821% | 3,156 |
| Net loans and leases to total assets | 68.6352% | 2,731 |
| Net loans and leases to deposits | 76.2642% | 3,306 |
| Net loans and leases to core deposits | 76.8868% | 3,654 |
| Total domestic deposits to total assets | 89.9966% | 334 |
| Equity capital to assets | 9.7581% | 4,183 |
| Core capital (leverage) ratio | 9.3950% | 4,255 |
| Tier 1 risk-based capital ratio | 15.8247% | 2,490 |
| Total risk-based capital ratio | 17.0788% | 2,420 |
| Memoranda: | ||
| Average total assets | $118,024,670 | 3,796 |
| Average earning assets | $107,497,670 | 3,815 |
| Average equity | $11,685,000 | 4,089 |
| Average total loans | $80,853,330 | 3,644 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3881% | 3,279 |
| Cost of funding earning assets | 0.2704% | 4,928 |
| Net interest margin | 4.1176% | 1,505 |
| Noninterest income to average assets | 0.3520% | 3,502 |
| Noninterest expense to average assets | 3.4234% | 1,079 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5038% | 4,511 |
| Return on assets (ROA) | 0.5038% | 4,529 |
| Pretax return on assets | 0.6591% | 4,399 |
| Return on Equity (ROE) | 5.0508% | 4,310 |
| Retained earnings to average equity (ytd only) | 5.0508% | 2,886 |
| Net charge-offs to loans | -0.0356% | 4,709 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8546% | 717 |
| Assets per employee ($millions) | 3.8025% | 4,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 1,642 |
| Loan loss allowance to noncurrent loans | 347.2561% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.2783% | 3,493 |
| Noncurrent loans to loans | 0.4060% | 3,130 |
| Net loans and leases to total assets | 67.5673% | 2,820 |
| Net loans and leases to deposits | 75.2125% | 3,332 |
| Net loans and leases to core deposits | 75.6181% | 3,685 |
| Total domestic deposits to total assets | 89.8353% | 518 |
| Equity capital to assets | 9.9238% | 3,898 |
| Core capital (leverage) ratio | 9.5451% | 4,080 |
| Tier 1 risk-based capital ratio | 16.0687% | 2,407 |
| Total risk-based capital ratio | 17.3231% | 2,354 |
| Memoranda: | ||
| Average total assets | $115,908,000 | 3,863 |
| Average earning assets | $105,011,500 | 3,901 |
| Average equity | $11,562,500 | 4,120 |
| Average total loans | $78,750,500 | 3,721 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1009% | 3,739 |
| Cost of funding earning assets | 0.1829% | 5,069 |
| Net interest margin | 3.9180% | 2,270 |
| Noninterest income to average assets | 0.3884% | 3,508 |
| Noninterest expense to average assets | 3.4108% | 1,130 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3169% | 1,735 |
| Return on assets (ROA) | 1.3169% | 1,721 |
| Pretax return on assets | 0.5338% | 4,748 |
| Return on Equity (ROE) | 13.4531% | 1,190 |
| Retained earnings to average equity (ytd only) | 12.0784% | 316 |
| Net charge-offs to loans | -0.1275% | 5,197 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4680% | 500 |
| Assets per employee ($millions) | 3.7979% | 4,178 |
| Cash dividends to net income (ytd only)* | 10.2180% | 3,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 1,369 |
| Loan loss allowance to noncurrent loans | 212.3827% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.4678% | 2,692 |
| Noncurrent loans to loans | 0.6948% | 2,251 |
| Net loans and leases to total assets | 66.3370% | 3,082 |
| Net loans and leases to deposits | 75.2451% | 3,408 |
| Net loans and leases to core deposits | 75.4803% | 3,753 |
| Total domestic deposits to total assets | 88.1611% | 1,229 |
| Equity capital to assets | 10.0291% | 3,659 |
| Core capital (leverage) ratio | 9.3272% | 4,328 |
| Tier 1 risk-based capital ratio | 16.9515% | 2,085 |
| Total risk-based capital ratio | 18.2081% | 2,026 |
| Memoranda: | ||
| Average total assets | $111,471,000 | 3,917 |
| Average earning assets | $101,172,800 | 3,957 |
| Average equity | $10,912,000 | 4,170 |
| Average total loans | $70,613,600 | 3,860 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0254% | 3,856 |
| Cost of funding earning assets | 0.1682% | 5,148 |
| Net interest margin | 3.8571% | 2,449 |
| Noninterest income to average assets | 0.3825% | 3,587 |
| Noninterest expense to average assets | 3.3749% | 1,158 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6081% | 946 |
| Return on assets (ROA) | 1.6081% | 952 |
| Pretax return on assets | 0.5100% | 4,890 |
| Return on Equity (ROE) | 16.5314% | 611 |
| Retained earnings to average equity (ytd only) | 16.5314% | 123 |
| Net charge-offs to loans | -0.1582% | 5,260 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8731% | 468 |
| Assets per employee ($millions) | 4.0178% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5618% | 1,166 |
| Loan loss allowance to noncurrent loans | 184.5649% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.5227% | 2,649 |
| Noncurrent loans to loans | 0.8462% | 2,013 |
| Net loans and leases to total assets | 60.8031% | 3,763 |
| Net loans and leases to deposits | 67.5773% | 4,086 |
| Net loans and leases to core deposits | 67.5773% | 4,319 |
| Total domestic deposits to total assets | 89.9757% | 516 |
| Equity capital to assets | 9.7479% | 3,874 |
| Core capital (leverage) ratio | 9.4938% | 4,181 |
| Tier 1 risk-based capital ratio | 18.0082% | 1,789 |
| Total risk-based capital ratio | 19.2665% | 1,746 |
| Memoranda: | ||
| Average total assets | $110,854,250 | 3,970 |
| Average earning assets | $100,659,500 | 4,004 |
| Average equity | $10,783,250 | 4,231 |
| Average total loans | $69,088,250 | 3,928 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9860% | 3,827 |
| Cost of funding earning assets | 0.1718% | 5,143 |
| Net interest margin | 3.8142% | 2,523 |
| Noninterest income to average assets | 0.3744% | 3,652 |
| Noninterest expense to average assets | 3.3203% | 1,272 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.2502% | 235 |
| Return on assets (ROA) | 2.2502% | 230 |
| Pretax return on assets | 0.5176% | 4,873 |
| Return on Equity (ROE) | 23.1503% | 124 |
| Retained earnings to average equity (ytd only) | 23.1503% | 36 |
| Net charge-offs to loans | -0.0851% | 5,111 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5136% | 543 |
| Assets per employee ($millions) | 3.7836% | 4,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5239% | 1,320 |
| Loan loss allowance to noncurrent loans | 201.3158% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.4848% | 2,820 |
| Noncurrent loans to loans | 0.7570% | 2,223 |
| Net loans and leases to total assets | 63.0731% | 3,505 |
| Net loans and leases to deposits | 72.0501% | 3,710 |
| Net loans and leases to core deposits | 72.0501% | 4,004 |
| Total domestic deposits to total assets | 87.5407% | 1,624 |
| Equity capital to assets | 10.2821% | 3,358 |
| Core capital (leverage) ratio | 9.8750% | 3,707 |
| Tier 1 risk-based capital ratio | 18.1303% | 1,768 |
| Total risk-based capital ratio | 19.3867% | 1,719 |
| Memoranda: | ||
| Average total assets | $108,966,670 | 4,037 |
| Average earning assets | $98,945,330 | 4,070 |
| Average equity | $10,591,670 | 4,295 |
| Average total loans | $68,127,670 | 3,969 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9219% | 3,869 |
| Cost of funding earning assets | 0.1617% | 5,214 |
| Net interest margin | 3.7602% | 2,577 |
| Noninterest income to average assets | 0.3463% | 3,825 |
| Noninterest expense to average assets | 3.2527% | 1,449 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5194% | 4,644 |
| Return on assets (ROA) | 0.5194% | 4,645 |
| Pretax return on assets | 0.5194% | 4,845 |
| Return on Equity (ROE) | 5.5043% | 4,315 |
| Retained earnings to average equity (ytd only) | 5.5043% | 2,946 |
| Net charge-offs to loans | -0.1014% | 5,210 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2305% | 628 |
| Assets per employee ($millions) | 3.7273% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5577% | 1,263 |
| Loan loss allowance to noncurrent loans | 196.1111% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.4996% | 2,853 |
| Noncurrent loans to loans | 0.7943% | 2,221 |
| Net loans and leases to total assets | 61.9158% | 3,562 |
| Net loans and leases to deposits | 70.7912% | 3,722 |
| Net loans and leases to core deposits | 70.7912% | 4,040 |
| Total domestic deposits to total assets | 87.4625% | 1,917 |
| Equity capital to assets | 9.5012% | 4,089 |
| Core capital (leverage) ratio | 9.6680% | 3,883 |
| Tier 1 risk-based capital ratio | 18.4974% | 1,694 |
| Total risk-based capital ratio | 19.7540% | 1,656 |
| Memoranda: | ||
| Average total assets | $108,587,500 | 4,090 |
| Average earning assets | $98,932,000 | 4,116 |
| Average equity | $10,246,500 | 4,395 |
| Average total loans | $67,052,500 | 4,033 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8268% | 3,958 |
| Cost of funding earning assets | 0.1359% | 5,336 |
| Net interest margin | 3.6909% | 2,828 |
| Noninterest income to average assets | 0.4801% | 3,123 |
| Noninterest expense to average assets | 3.3999% | 1,197 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9038% | 2,691 |
| Return on assets (ROA) | 0.9038% | 2,717 |
| Pretax return on assets | 0.4313% | 5,043 |
| Return on Equity (ROE) | 10.6772% | 1,598 |
| Retained earnings to average equity (ytd only) | 10.6772% | 278 |
| Net charge-offs to loans | -0.1479% | 5,464 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7419% | 488 |
| Assets per employee ($millions) | 3.7615% | 4,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5759% | 1,198 |
| Loan loss allowance to noncurrent loans | 197.7230% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.4831% | 2,953 |
| Noncurrent loans to loans | 0.7970% | 2,217 |
| Net loans and leases to total assets | 59.6592% | 3,861 |
| Net loans and leases to deposits | 69.5843% | 3,910 |
| Net loans and leases to core deposits | 69.7723% | 4,192 |
| Total domestic deposits to total assets | 85.7365% | 2,558 |
| Equity capital to assets | 9.3718% | 4,359 |
| Core capital (leverage) ratio | 9.5580% | 3,965 |
| Tier 1 risk-based capital ratio | 18.3978% | 1,679 |
| Total risk-based capital ratio | 19.6559% | 1,632 |
| Memoranda: | ||
| Average total assets | $104,563,000 | 4,159 |
| Average earning assets | $94,936,600 | 4,183 |
| Average equity | $8,850,600 | 4,637 |
| Average total loans | $62,880,200 | 4,132 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8016% | 4,011 |
| Cost of funding earning assets | 0.1306% | 5,423 |
| Net interest margin | 3.6710% | 2,861 |
| Noninterest income to average assets | 0.5221% | 2,886 |
| Noninterest expense to average assets | 3.4907% | 1,009 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0003% | 2,551 |
| Return on assets (ROA) | 1.0003% | 2,604 |
| Pretax return on assets | 0.3635% | 5,238 |
| Return on Equity (ROE) | 12.1615% | 1,290 |
| Retained earnings to average equity (ytd only) | 12.1615% | 282 |
| Net charge-offs to loans | -0.1396% | 5,462 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5686% | 391 |
| Assets per employee ($millions) | 3.7544% | 4,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5607% | 1,328 |
| Loan loss allowance to noncurrent loans | 188.4758% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.4941% | 3,083 |
| Noncurrent loans to loans | 0.8281% | 2,296 |
| Net loans and leases to total assets | 58.7419% | 3,988 |
| Net loans and leases to deposits | 64.9125% | 4,323 |
| Net loans and leases to core deposits | 65.2456% | 4,533 |
| Total domestic deposits to total assets | 90.4939% | 329 |
| Equity capital to assets | 9.2755% | 4,664 |
| Core capital (leverage) ratio | 9.4558% | 4,219 |
| Tier 1 risk-based capital ratio | 18.0883% | 1,834 |
| Total risk-based capital ratio | 19.3458% | 1,787 |
| Memoranda: | ||
| Average total assets | $103,433,000 | 4,216 |
| Average earning assets | $93,887,500 | 4,240 |
| Average equity | $8,507,500 | 4,747 |
| Average total loans | $62,070,250 | 4,190 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7819% | 3,953 |
| Cost of funding earning assets | 0.1344% | 5,427 |
| Net interest margin | 3.6475% | 2,851 |
| Noninterest income to average assets | 0.5688% | 2,611 |
| Noninterest expense to average assets | 3.5368% | 956 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3444% | 5,113 |
| Return on assets (ROA) | 0.3444% | 5,134 |
| Pretax return on assets | 0.3444% | 5,273 |
| Return on Equity (ROE) | 4.3876% | 4,697 |
| Retained earnings to average equity (ytd only) | 4.3876% | 3,092 |
| Net charge-offs to loans | -0.1604% | 5,539 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1258% | 393 |
| Assets per employee ($millions) | 3.3855% | 4,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6114% | 1,237 |
| Loan loss allowance to noncurrent loans | 141.3598% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.6951% | 2,477 |
| Noncurrent loans to loans | 1.1399% | 1,717 |
| Net loans and leases to total assets | 59.9980% | 3,843 |
| Net loans and leases to deposits | 65.3571% | 4,269 |
| Net loans and leases to core deposits | 65.5335% | 4,502 |
| Total domestic deposits to total assets | 91.8003% | 89 |
| Equity capital to assets | 7.9673% | 5,549 |
| Core capital (leverage) ratio | 8.0312% | 5,510 |
| Tier 1 risk-based capital ratio | 15.2809% | 2,811 |
| Total risk-based capital ratio | 16.5380% | 2,740 |
| Memoranda: | ||
| Average total assets | $101,618,000 | 4,274 |
| Average earning assets | $92,282,000 | 4,303 |
| Average equity | $7,977,000 | 4,865 |
| Average total loans | $61,103,330 | 4,238 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6536% | 4,265 |
| Cost of funding earning assets | 0.1345% | 5,465 |
| Net interest margin | 3.5191% | 3,205 |
| Noninterest income to average assets | 0.6808% | 2,038 |
| Noninterest expense to average assets | 3.5772% | 923 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2951% | 5,207 |
| Return on assets (ROA) | 0.2951% | 5,220 |
| Pretax return on assets | 0.2951% | 5,315 |
| Return on Equity (ROE) | 3.7881% | 4,846 |
| Retained earnings to average equity (ytd only) | 3.7881% | 3,555 |
| Net charge-offs to loans | -0.2109% | 5,629 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3780% | 434 |
| Assets per employee ($millions) | 3.4114% | 4,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6340% | 1,303 |
| Loan loss allowance to noncurrent loans | 138.3639% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.7240% | 2,484 |
| Noncurrent loans to loans | 1.1809% | 1,716 |
| Net loans and leases to total assets | 57.7051% | 4,001 |
| Net loans and leases to deposits | 62.7541% | 4,387 |
| Net loans and leases to core deposits | 62.9219% | 4,596 |
| Total domestic deposits to total assets | 91.9543% | 112 |
| Equity capital to assets | 7.7955% | 5,601 |
| Core capital (leverage) ratio | 7.9257% | 5,586 |
| Tier 1 risk-based capital ratio | 15.9292% | 2,580 |
| Total risk-based capital ratio | 17.1883% | 2,521 |
| Memoranda: | ||
| Average total assets | $101,644,500 | 4,320 |
| Average earning assets | $92,182,500 | 4,346 |
| Average equity | $7,919,500 | 4,918 |
| Average total loans | $60,687,500 | 4,280 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0042% | 3,186 |
| Cost of funding earning assets | 0.1638% | 5,327 |
| Net interest margin | 3.8404% | 2,171 |
| Noninterest income to average assets | 0.4746% | 3,382 |
| Noninterest expense to average assets | 3.8574% | 725 |
| Loan and lease loss provision to assets | -0.6700% | 5,894 |
| Net operating income to assets | 0.7171% | 3,704 |
| Return on assets (ROA) | 0.7171% | 3,818 |
| Pretax return on assets | 0.7171% | 4,437 |
| Return on Equity (ROE) | 9.3112% | 2,269 |
| Retained earnings to average equity (ytd only) | 9.3112% | 525 |
| Net charge-offs to loans | -0.6054% | 5,844 |
| Credit loss provision to net charge-offs | 178.9617% | 1,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7949% | 239 |
| Assets per employee ($millions) | 3.3649% | 4,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5472% | 1,511 |
| Loan loss allowance to noncurrent loans | 131.4404% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.7469% | 2,493 |
| Noncurrent loans to loans | 1.1771% | 1,746 |
| Net loans and leases to total assets | 59.8219% | 3,876 |
| Net loans and leases to deposits | 65.0631% | 4,328 |
| Net loans and leases to core deposits | 65.2396% | 4,564 |
| Total domestic deposits to total assets | 91.9444% | 107 |
| Equity capital to assets | 7.7872% | 5,639 |
| Core capital (leverage) ratio | 7.9214% | 5,651 |
| Tier 1 risk-based capital ratio | 15.4752% | 2,757 |
| Total risk-based capital ratio | 16.7315% | 2,690 |
| Memoranda: | ||
| Average total assets | $97,759,600 | 4,390 |
| Average earning assets | $87,309,000 | 4,450 |
| Average equity | $7,528,600 | 5,002 |
| Average total loans | $60,456,200 | 4,285 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0733% | 2,976 |
| Cost of funding earning assets | 0.1683% | 5,358 |
| Net interest margin | 3.9050% | 1,961 |
| Noninterest income to average assets | 0.4221% | 3,754 |
| Noninterest expense to average assets | 3.9341% | 641 |
| Loan and lease loss provision to assets | -0.7975% | 5,963 |
| Net operating income to assets | 0.7632% | 3,542 |
| Return on assets (ROA) | 0.7632% | 3,678 |
| Pretax return on assets | 0.7632% | 4,431 |
| Return on Equity (ROE) | 9.9386% | 2,077 |
| Retained earnings to average equity (ytd only) | 9.9386% | 586 |
| Net charge-offs to loans | -0.7703% | 5,911 |
| Credit loss provision to net charge-offs | 166.6667% | 1,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8815% | 214 |
| Assets per employee ($millions) | 3.3767% | 4,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6919% | 1,237 |
| Loan loss allowance to noncurrent loans | 135.9459% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 1.5686% | 1,122 |
| Noncurrent loans to loans | 1.2445% | 1,798 |
| Net loans and leases to total assets | 57.7037% | 4,124 |
| Net loans and leases to deposits | 62.6971% | 4,582 |
| Net loans and leases to core deposits | 63.0379% | 4,773 |
| Total domestic deposits to total assets | 92.0357% | 73 |
| Equity capital to assets | 7.6770% | 5,814 |
| Core capital (leverage) ratio | 7.8225% | 5,752 |
| Tier 1 risk-based capital ratio | 15.3036% | 2,913 |
| Total risk-based capital ratio | 16.5614% | 2,841 |
| Memoranda: | ||
| Average total assets | $96,962,500 | 4,443 |
| Average earning assets | $86,349,750 | 4,502 |
| Average equity | $7,445,500 | 5,069 |
| Average total loans | $60,235,750 | 4,318 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2273% | 2,418 |
| Cost of funding earning assets | 0.1743% | 5,374 |
| Net interest margin | 4.0531% | 1,499 |
| Noninterest income to average assets | 0.3978% | 3,882 |
| Noninterest expense to average assets | 3.9407% | 640 |
| Loan and lease loss provision to assets | -0.7957% | 6,039 |
| Net operating income to assets | 0.8564% | 3,066 |
| Return on assets (ROA) | 0.8564% | 3,188 |
| Pretax return on assets | 0.8564% | 4,097 |
| Return on Equity (ROE) | 11.1520% | 1,592 |
| Retained earnings to average equity (ytd only) | 11.1520% | 424 |
| Net charge-offs to loans | -1.0679% | 5,994 |
| Credit loss provision to net charge-offs | 117.6471% | 1,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4825% | 274 |
| Assets per employee ($millions) | 3.1846% | 5,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9418% | 837 |
| Loan loss allowance to noncurrent loans | 152.3871% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 1.7679% | 988 |
| Noncurrent loans to loans | 1.2743% | 1,784 |
| Net loans and leases to total assets | 62.4250% | 3,569 |
| Net loans and leases to deposits | 68.0492% | 4,178 |
| Net loans and leases to core deposits | 68.4420% | 4,442 |
| Total domestic deposits to total assets | 91.7351% | 108 |
| Equity capital to assets | 7.9864% | 5,812 |
| Core capital (leverage) ratio | 8.1379% | 5,643 |
| Tier 1 risk-based capital ratio | 15.0325% | 3,065 |
| Total risk-based capital ratio | 16.2956% | 2,999 |
| Memoranda: | ||
| Average total assets | $95,516,000 | 4,508 |
| Average earning assets | $84,923,670 | 4,567 |
| Average equity | $7,335,000 | 5,134 |
| Average total loans | $60,494,000 | 4,327 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0995% | 2,844 |
| Cost of funding earning assets | 0.1840% | 5,340 |
| Net interest margin | 3.9155% | 1,890 |
| Noninterest income to average assets | 0.3476% | 4,246 |
| Noninterest expense to average assets | 3.9537% | 638 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.1298% | 5,857 |
| Return on assets (ROA) | -0.1298% | 5,876 |
| Pretax return on assets | -0.1298% | 5,871 |
| Return on Equity (ROE) | -1.7252% | 5,899 |
| Retained earnings to average equity (ytd only) | -1.7252% | 5,359 |
| Net charge-offs to loans | -0.2586% | 5,911 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3954% | 222 |
| Assets per employee ($millions) | 3.1085% | 5,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1187% | 666 |
| Loan loss allowance to noncurrent loans | 131.6495% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 2.2155% | 737 |
| Noncurrent loans to loans | 1.6094% | 1,432 |
| Net loans and leases to total assets | 61.2204% | 3,630 |
| Net loans and leases to deposits | 66.4052% | 4,220 |
| Net loans and leases to core deposits | 66.7833% | 4,484 |
| Total domestic deposits to total assets | 92.1922% | 93 |
| Equity capital to assets | 7.4436% | 5,957 |
| Core capital (leverage) ratio | 7.5761% | 5,912 |
| Tier 1 risk-based capital ratio | 14.2775% | 3,509 |
| Total risk-based capital ratio | 15.5426% | 3,434 |
| Memoranda: | ||
| Average total assets | $95,505,500 | 4,543 |
| Average earning assets | $84,791,000 | 4,597 |
| Average equity | $7,187,500 | 5,192 |
| Average total loans | $60,331,000 | 4,358 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2506% | 2,388 |
| Cost of funding earning assets | 0.2077% | 5,217 |
| Net interest margin | 4.0428% | 1,583 |
| Noninterest income to average assets | 0.4679% | 3,542 |
| Noninterest expense to average assets | 3.9466% | 719 |
| Loan and lease loss provision to assets | -1.2908% | 6,179 |
| Net operating income to assets | 1.3499% | 1,154 |
| Return on assets (ROA) | 1.3499% | 1,191 |
| Pretax return on assets | 1.3499% | 2,098 |
| Return on Equity (ROE) | 18.7023% | 334 |
| Retained earnings to average equity (ytd only) | 18.7023% | 73 |
| Net charge-offs to loans | -0.2854% | 6,009 |
| Credit loss provision to net charge-offs | 697.6744% | 481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5231% | 322 |
| Assets per employee ($millions) | 3.1549% | 5,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0500% | 742 |
| Loan loss allowance to noncurrent loans | 131.5622% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 2.6235% | 571 |
| Noncurrent loans to loans | 1.5582% | 1,477 |
| Net loans and leases to total assets | 62.4982% | 3,489 |
| Net loans and leases to deposits | 67.8933% | 4,137 |
| Net loans and leases to core deposits | 68.2867% | 4,427 |
| Total domestic deposits to total assets | 92.0535% | 109 |
| Equity capital to assets | 7.6094% | 5,966 |
| Core capital (leverage) ratio | 7.7634% | 5,920 |
| Tier 1 risk-based capital ratio | 14.2671% | 3,567 |
| Total risk-based capital ratio | 15.5318% | 3,477 |
| Memoranda: | ||
| Average total assets | $92,967,000 | 4,603 |
| Average earning assets | $81,353,800 | 4,690 |
| Average equity | $6,710,400 | 5,295 |
| Average total loans | $60,271,400 | 4,372 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2160% | 2,522 |
| Cost of funding earning assets | 0.2143% | 5,242 |
| Net interest margin | 4.0016% | 1,699 |
| Noninterest income to average assets | 0.5158% | 3,256 |
| Noninterest expense to average assets | 3.9129% | 732 |
| Loan and lease loss provision to assets | -1.7288% | 6,269 |
| Net operating income to assets | 1.8282% | 487 |
| Return on assets (ROA) | 1.8282% | 509 |
| Pretax return on assets | 1.8282% | 843 |
| Return on Equity (ROE) | 25.6844% | 102 |
| Retained earnings to average equity (ytd only) | 25.6844% | 41 |
| Net charge-offs to loans | -0.6020% | 6,176 |
| Credit loss provision to net charge-offs | 441.1765% | 705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5224% | 371 |
| Assets per employee ($millions) | 3.1289% | 5,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2304% | 632 |
| Loan loss allowance to noncurrent loans | 82.2372% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 3.8544% | 313 |
| Noncurrent loans to loans | 2.7122% | 705 |
| Net loans and leases to total assets | 62.4831% | 3,540 |
| Net loans and leases to deposits | 67.9122% | 4,195 |
| Net loans and leases to core deposits | 68.3100% | 4,517 |
| Total domestic deposits to total assets | 92.0057% | 98 |
| Equity capital to assets | 7.6832% | 6,042 |
| Core capital (leverage) ratio | 7.8188% | 5,973 |
| Tier 1 risk-based capital ratio | 13.9601% | 3,869 |
| Total risk-based capital ratio | 15.2261% | 3,799 |
| Memoranda: | ||
| Average total assets | $92,547,250 | 4,664 |
| Average earning assets | $80,865,000 | 4,754 |
| Average equity | $6,587,500 | 5,392 |
| Average total loans | $60,241,750 | 4,418 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3333% | 2,076 |
| Cost of funding earning assets | 0.2271% | 5,168 |
| Net interest margin | 4.1062% | 1,335 |
| Noninterest income to average assets | 0.4907% | 3,444 |
| Noninterest expense to average assets | 3.9172% | 748 |
| Loan and lease loss provision to assets | -2.6057% | 6,347 |
| Net operating income to assets | 2.7511% | 119 |
| Return on assets (ROA) | 2.7511% | 124 |
| Pretax return on assets | 2.7511% | 172 |
| Return on Equity (ROE) | 39.7220% | 27 |
| Retained earnings to average equity (ytd only) | 39.7220% | 15 |
| Net charge-offs to loans | -0.7062% | 6,233 |
| Credit loss provision to net charge-offs | 563.3803% | 578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4190% | 426 |
| Assets per employee ($millions) | 2.9825% | 5,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1201% | 829 |
| Loan loss allowance to noncurrent loans | 77.2810% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 4.2894% | 290 |
| Noncurrent loans to loans | 2.7434% | 776 |
| Net loans and leases to total assets | 65.9931% | 2,949 |
| Net loans and leases to deposits | 72.0115% | 3,720 |
| Net loans and leases to core deposits | 72.4560% | 4,092 |
| Total domestic deposits to total assets | 91.6425% | 165 |
| Equity capital to assets | 8.0815% | 5,943 |
| Core capital (leverage) ratio | 8.2618% | 5,741 |
| Tier 1 risk-based capital ratio | 13.7786% | 4,047 |
| Total risk-based capital ratio | 15.0437% | 3,970 |
| Memoranda: | ||
| Average total assets | $92,107,330 | 4,724 |
| Average earning assets | $80,123,670 | 4,826 |
| Average equity | $6,379,330 | 5,473 |
| Average total loans | $60,326,000 | 4,453 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0430% | 3,073 |
| Cost of funding earning assets | 0.2459% | 5,064 |
| Net interest margin | 3.7971% | 2,244 |
| Noninterest income to average assets | 0.4496% | 3,639 |
| Noninterest expense to average assets | 3.7892% | 894 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0343% | 6,048 |
| Return on assets (ROA) | -0.0343% | 6,082 |
| Pretax return on assets | -0.0343% | 6,078 |
| Return on Equity (ROE) | -0.5375% | 6,100 |
| Retained earnings to average equity (ytd only) | -0.5375% | 5,477 |
| Net charge-offs to loans | -0.3846% | 6,199 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9122% | 346 |
| Assets per employee ($millions) | 3.0611% | 5,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8801% | 141 |
| Loan loss allowance to noncurrent loans | 110.1944% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 5.0907% | 238 |
| Noncurrent loans to loans | 3.5211% | 547 |
| Net loans and leases to total assets | 62.6914% | 3,267 |
| Net loans and leases to deposits | 69.6812% | 3,786 |
| Net loans and leases to core deposits | 70.3436% | 4,123 |
| Total domestic deposits to total assets | 89.9689% | 754 |
| Equity capital to assets | 6.4867% | 6,307 |
| Core capital (leverage) ratio | 6.5323% | 6,294 |
| Tier 1 risk-based capital ratio | 11.4562% | 5,582 |
| Total risk-based capital ratio | 12.7466% | 5,477 |
| Memoranda: | ||
| Average total assets | $93,423,000 | 4,737 |
| Average earning assets | $81,326,000 | 4,837 |
| Average equity | $5,953,500 | 5,610 |
| Average total loans | $60,325,500 | 4,484 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2021% | 2,949 |
| Cost of funding earning assets | 0.2823% | 4,983 |
| Net interest margin | 3.9197% | 2,159 |
| Noninterest income to average assets | 0.3988% | 4,188 |
| Noninterest expense to average assets | 3.9605% | 788 |
| Loan and lease loss provision to assets | -0.7316% | 6,471 |
| Net operating income to assets | 0.5155% | 4,751 |
| Return on assets (ROA) | 0.5155% | 4,834 |
| Pretax return on assets | 0.5155% | 5,209 |
| Return on Equity (ROE) | 8.5761% | 2,802 |
| Retained earnings to average equity (ytd only) | 8.5761% | 805 |
| Net charge-offs to loans | 0.1488% | 2,544 |
| Credit loss provision to net charge-offs | -735.8696% | 5,857 |
| Earnings coverage of net charge-offs (x) | -2.1739% | 4,841 |
| Efficiency ratio | 105.7720% | 263 |
| Assets per employee ($millions) | 3.1671% | 5,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7297% | 157 |
| Loan loss allowance to noncurrent loans | 82.1610% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 6.0655% | 190 |
| Noncurrent loans to loans | 4.5395% | 363 |
| Net loans and leases to total assets | 61.5596% | 3,562 |
| Net loans and leases to deposits | 69.8351% | 3,936 |
| Net loans and leases to core deposits | 70.4899% | 4,280 |
| Total domestic deposits to total assets | 88.1499% | 1,685 |
| Equity capital to assets | 6.2624% | 6,394 |
| Core capital (leverage) ratio | 6.2782% | 6,390 |
| Tier 1 risk-based capital ratio | 10.8759% | 5,956 |
| Total risk-based capital ratio | 12.1905% | 5,861 |
| Memoranda: | ||
| Average total assets | $92,539,000 | 4,780 |
| Average earning assets | $78,985,200 | 4,905 |
| Average equity | $5,562,000 | 5,725 |
| Average total loans | $61,818,600 | 4,437 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2375% | 2,852 |
| Cost of funding earning assets | 0.2904% | 4,984 |
| Net interest margin | 3.9472% | 2,045 |
| Noninterest income to average assets | 0.6266% | 2,709 |
| Noninterest expense to average assets | 3.9076% | 831 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0711% | 6,060 |
| Return on assets (ROA) | 0.0711% | 6,090 |
| Pretax return on assets | 0.0711% | 6,095 |
| Return on Equity (ROE) | 1.1954% | 6,004 |
| Retained earnings to average equity (ytd only) | 1.1954% | 5,413 |
| Net charge-offs to loans | -0.0601% | 5,979 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2136% | 426 |
| Assets per employee ($millions) | 3.1233% | 5,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0876% | 74 |
| Loan loss allowance to noncurrent loans | 97.8594% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 7.0012% | 170 |
| Noncurrent loans to loans | 5.1989% | 328 |
| Net loans and leases to total assets | 60.9853% | 3,629 |
| Net loans and leases to deposits | 66.4859% | 4,281 |
| Net loans and leases to core deposits | 67.0925% | 4,599 |
| Total domestic deposits to total assets | 91.7266% | 194 |
| Equity capital to assets | 5.8849% | 6,486 |
| Core capital (leverage) ratio | 5.9083% | 6,486 |
| Tier 1 risk-based capital ratio | 10.2031% | 6,294 |
| Total risk-based capital ratio | 11.5319% | 6,235 |
| Memoranda: | ||
| Average total assets | $91,920,750 | 4,845 |
| Average earning assets | $78,062,250 | 4,978 |
| Average equity | $5,465,000 | 5,808 |
| Average total loans | $62,084,500 | 4,460 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2305% | 2,844 |
| Cost of funding earning assets | 0.3007% | 4,961 |
| Net interest margin | 3.9298% | 2,044 |
| Noninterest income to average assets | 0.6811% | 2,373 |
| Noninterest expense to average assets | 3.9331% | 824 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0679% | 6,103 |
| Return on assets (ROA) | 0.0679% | 6,124 |
| Pretax return on assets | 0.0679% | 6,127 |
| Return on Equity (ROE) | 1.1379% | 6,030 |
| Retained earnings to average equity (ytd only) | 1.1379% | 5,298 |
| Net charge-offs to loans | 0.2105% | 1,765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.4697% | 4,037 |
| Efficiency ratio | 98.3032% | 451 |
| Assets per employee ($millions) | 3.0420% | 5,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8883% | 91 |
| Loan loss allowance to noncurrent loans | 62.1130% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 9.4444% | 106 |
| Noncurrent loans to loans | 7.8700% | 139 |
| Net loans and leases to total assets | 63.3005% | 3,196 |
| Net loans and leases to deposits | 71.7241% | 3,607 |
| Net loans and leases to core deposits | 72.8584% | 3,958 |
| Total domestic deposits to total assets | 88.2555% | 1,758 |
| Equity capital to assets | 6.0169% | 6,529 |
| Core capital (leverage) ratio | 6.0465% | 6,534 |
| Tier 1 risk-based capital ratio | 9.9533% | 6,413 |
| Total risk-based capital ratio | 11.2773% | 6,349 |
| Memoranda: | ||
| Average total assets | $91,328,330 | 4,896 |
| Average earning assets | $77,154,670 | 5,040 |
| Average equity | $5,448,670 | 5,851 |
| Average total loans | $62,711,000 | 4,462 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3360% | 2,385 |
| Cost of funding earning assets | 0.3235% | 4,816 |
| Net interest margin | 4.0125% | 1,717 |
| Noninterest income to average assets | 0.5735% | 2,894 |
| Noninterest expense to average assets | 3.8528% | 919 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0876% | 6,059 |
| Return on assets (ROA) | 0.0876% | 6,084 |
| Pretax return on assets | 0.0876% | 6,101 |
| Return on Equity (ROE) | 1.4740% | 5,935 |
| Retained earnings to average equity (ytd only) | 1.4740% | 5,025 |
| Net charge-offs to loans | 0.8854% | 395 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.1418% | 3,409 |
| Efficiency ratio | 97.7778% | 554 |
| Assets per employee ($millions) | 3.2694% | 5,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6279% | 119 |
| Loan loss allowance to noncurrent loans | 48.1851% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 10.6059% | 102 |
| Noncurrent loans to loans | 9.6044% | 109 |
| Net loans and leases to total assets | 65.1497% | 2,707 |
| Net loans and leases to deposits | 71.1482% | 3,452 |
| Net loans and leases to core deposits | 72.2270% | 3,849 |
| Total domestic deposits to total assets | 91.5690% | 361 |
| Equity capital to assets | 5.9611% | 6,572 |
| Core capital (leverage) ratio | 6.0158% | 6,588 |
| Tier 1 risk-based capital ratio | 9.5545% | 6,539 |
| Total risk-based capital ratio | 10.8678% | 6,516 |
| Memoranda: | ||
| Average total assets | $91,362,500 | 4,929 |
| Average earning assets | $76,660,000 | 5,099 |
| Average equity | $5,427,500 | 5,891 |
| Average total loans | $63,698,000 | 4,469 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5725% | 1,951 |
| Cost of funding earning assets | 0.3910% | 4,746 |
| Net interest margin | 4.1815% | 1,416 |
| Noninterest income to average assets | 0.5649% | 3,299 |
| Noninterest expense to average assets | 3.9427% | 933 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1178% | 6,006 |
| Return on assets (ROA) | 0.1178% | 6,067 |
| Pretax return on assets | 0.1438% | 6,021 |
| Return on Equity (ROE) | 2.0891% | 5,809 |
| Retained earnings to average equity (ytd only) | 2.0891% | 4,747 |
| Net charge-offs to loans | 0.1495% | 3,308 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1.3663% | 4,607 |
| Efficiency ratio | 96.4805% | 617 |
| Assets per employee ($millions) | 2.9414% | 5,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6792% | 113 |
| Loan loss allowance to noncurrent loans | 46.6421% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 11.2511% | 98 |
| Noncurrent loans to loans | 10.0321% | 111 |
| Net loans and leases to total assets | 67.8061% | 2,386 |
| Net loans and leases to deposits | 74.0053% | 3,251 |
| Net loans and leases to core deposits | 75.4466% | 3,671 |
| Total domestic deposits to total assets | 91.6233% | 371 |
| Equity capital to assets | 5.9200% | 6,623 |
| Core capital (leverage) ratio | 6.0176% | 6,647 |
| Tier 1 risk-based capital ratio | 9.2313% | 6,642 |
| Total risk-based capital ratio | 10.5469% | 6,614 |
| Memoranda: | ||
| Average total assets | $95,949,200 | 4,838 |
| Average earning assets | $80,808,600 | 5,016 |
| Average equity | $5,409,000 | 5,957 |
| Average total loans | $67,574,600 | 4,353 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5788% | 1,964 |
| Cost of funding earning assets | 0.4059% | 4,776 |
| Net interest margin | 4.1728% | 1,415 |
| Noninterest income to average assets | 0.5971% | 3,164 |
| Noninterest expense to average assets | 3.9515% | 904 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1386% | 6,057 |
| Return on assets (ROA) | 0.1386% | 6,129 |
| Pretax return on assets | 0.1729% | 6,086 |
| Return on Equity (ROE) | 2.4883% | 5,793 |
| Retained earnings to average equity (ytd only) | 2.4883% | 4,835 |
| Net charge-offs to loans | 0.2305% | 2,421 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1.0678% | 4,489 |
| Efficiency ratio | 95.8070% | 637 |
| Assets per employee ($millions) | 3.1394% | 5,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6237% | 151 |
| Loan loss allowance to noncurrent loans | 51.2220% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 10.2076% | 133 |
| Noncurrent loans to loans | 9.0267% | 172 |
| Net loans and leases to total assets | 63.9694% | 3,004 |
| Net loans and leases to deposits | 69.4795% | 3,858 |
| Net loans and leases to core deposits | 70.4944% | 4,269 |
| Total domestic deposits to total assets | 92.0695% | 238 |
| Equity capital to assets | 5.5549% | 6,731 |
| Core capital (leverage) ratio | 5.6258% | 6,751 |
| Tier 1 risk-based capital ratio | 9.1042% | 6,715 |
| Total risk-based capital ratio | 10.4195% | 6,706 |
| Memoranda: | ||
| Average total assets | $97,141,000 | 4,850 |
| Average earning assets | $82,116,500 | 5,024 |
| Average equity | $5,411,750 | 6,032 |
| Average total loans | $68,252,750 | 4,368 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5709% | 1,943 |
| Cost of funding earning assets | 0.4197% | 4,755 |
| Net interest margin | 4.1512% | 1,405 |
| Noninterest income to average assets | 0.5892% | 3,259 |
| Noninterest expense to average assets | 3.9554% | 912 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1071% | 6,117 |
| Return on assets (ROA) | 0.1071% | 6,207 |
| Pretax return on assets | 0.1586% | 6,145 |
| Return on Equity (ROE) | 1.9211% | 5,977 |
| Retained earnings to average equity (ytd only) | 1.9211% | 5,045 |
| Net charge-offs to loans | 0.1069% | 3,293 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.0811% | 3,827 |
| Efficiency ratio | 96.1442% | 647 |
| Assets per employee ($millions) | 3.1292% | 5,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5093% | 173 |
| Loan loss allowance to noncurrent loans | 47.9128% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 10.7449% | 131 |
| Noncurrent loans to loans | 9.4116% | 185 |
| Net loans and leases to total assets | 69.9053% | 1,902 |
| Net loans and leases to deposits | 76.1134% | 2,856 |
| Net loans and leases to core deposits | 77.4949% | 3,360 |
| Total domestic deposits to total assets | 91.8436% | 278 |
| Equity capital to assets | 5.7234% | 6,764 |
| Core capital (leverage) ratio | 5.7810% | 6,769 |
| Tier 1 risk-based capital ratio | 8.7575% | 6,771 |
| Total risk-based capital ratio | 10.0662% | 6,772 |
| Memoranda: | ||
| Average total assets | $97,081,330 | 4,882 |
| Average earning assets | $82,434,330 | 5,042 |
| Average equity | $5,413,670 | 6,074 |
| Average total loans | $69,246,000 | 4,335 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5124% | 2,124 |
| Cost of funding earning assets | 0.4345% | 4,762 |
| Net interest margin | 4.0779% | 1,532 |
| Noninterest income to average assets | 0.9728% | 1,545 |
| Noninterest expense to average assets | 4.2033% | 710 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1946% | 5,913 |
| Return on assets (ROA) | 0.1946% | 6,022 |
| Pretax return on assets | 0.2310% | 6,018 |
| Return on Equity (ROE) | 3.5333% | 5,325 |
| Retained earnings to average equity (ytd only) | 3.5333% | 4,124 |
| Net charge-offs to loans | -0.1381% | 6,565 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7898% | 792 |
| Assets per employee ($millions) | 3.3928% | 5,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5739% | 185 |
| Loan loss allowance to noncurrent loans | 52.5790% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 10.1798% | 182 |
| Noncurrent loans to loans | 8.6991% | 284 |
| Net loans and leases to total assets | 67.0061% | 2,195 |
| Net loans and leases to deposits | 72.8237% | 3,082 |
| Net loans and leases to core deposits | 74.7195% | 3,493 |
| Total domestic deposits to total assets | 92.0115% | 244 |
| Equity capital to assets | 5.5401% | 6,861 |
| Core capital (leverage) ratio | 5.5127% | 6,843 |
| Tier 1 risk-based capital ratio | 8.5716% | 6,835 |
| Total risk-based capital ratio | 9.8832% | 6,837 |
| Memoranda: | ||
| Average total assets | $98,683,500 | 4,893 |
| Average earning assets | $83,769,000 | 5,051 |
| Average equity | $5,434,000 | 6,131 |
| Average total loans | $69,507,000 | 4,361 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7503% | 2,396 |
| Cost of funding earning assets | 0.6346% | 4,053 |
| Net interest margin | 4.1157% | 1,938 |
| Noninterest income to average assets | 0.4565% | 4,207 |
| Noninterest expense to average assets | 4.4138% | 618 |
| Loan and lease loss provision to assets | 0.4065% | 1,591 |
| Net operating income to assets | -0.9739% | 6,737 |
| Return on assets (ROA) | -0.9729% | 6,751 |
| Pretax return on assets | -0.9359% | 6,717 |
| Return on Equity (ROE) | -16.7972% | 6,848 |
| Retained earnings to average equity (ytd only) | -16.7972% | 6,803 |
| Net charge-offs to loans | 1.5540% | 563 |
| Credit loss provision to net charge-offs | 37.6503% | 4,976 |
| Earnings coverage of net charge-offs (x) | -0.4912% | 5,672 |
| Efficiency ratio | 113.6574% | 283 |
| Assets per employee ($millions) | 3.4130% | 5,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4847% | 191 |
| Loan loss allowance to noncurrent loans | 43.1896% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 10.9602% | 183 |
| Noncurrent loans to loans | 10.3838% | 213 |
| Net loans and leases to total assets | 67.4810% | 2,284 |
| Net loans and leases to deposits | 73.2298% | 3,222 |
| Net loans and leases to core deposits | 75.1243% | 3,642 |
| Total domestic deposits to total assets | 92.1496% | 218 |
| Equity capital to assets | 5.4730% | 6,923 |
| Core capital (leverage) ratio | 5.4306% | 6,899 |
| Tier 1 risk-based capital ratio | 8.2848% | 6,899 |
| Total risk-based capital ratio | 9.6026% | 6,899 |
| Memoranda: | ||
| Average total assets | $100,117,800 | 4,832 |
| Average earning assets | $83,363,200 | 5,032 |
| Average equity | $5,798,600 | 6,074 |
| Average total loans | $69,562,400 | 4,371 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8584% | 2,162 |
| Cost of funding earning assets | 0.6769% | 3,961 |
| Net interest margin | 4.1815% | 1,791 |
| Noninterest income to average assets | 0.5020% | 3,917 |
| Noninterest expense to average assets | 4.6226% | 492 |
| Loan and lease loss provision to assets | 0.5405% | 1,094 |
| Net operating income to assets | -1.2164% | 6,912 |
| Return on assets (ROA) | -1.2151% | 6,933 |
| Pretax return on assets | -1.1898% | 6,911 |
| Return on Equity (ROE) | -20.6985% | 6,999 |
| Retained earnings to average equity (ytd only) | -20.6985% | 6,983 |
| Net charge-offs to loans | 1.4663% | 600 |
| Credit loss provision to net charge-offs | 53.2723% | 4,317 |
| Earnings coverage of net charge-offs (x) | -0.6414% | 5,526 |
| Efficiency ratio | 116.3825% | 225 |
| Assets per employee ($millions) | 3.1593% | 5,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1095% | 136 |
| Loan loss allowance to noncurrent loans | 59.0862% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 10.4631% | 219 |
| Noncurrent loans to loans | 8.6475% | 343 |
| Net loans and leases to total assets | 63.4305% | 3,130 |
| Net loans and leases to deposits | 68.8132% | 4,056 |
| Net loans and leases to core deposits | 71.1447% | 4,361 |
| Total domestic deposits to total assets | 92.1779% | 191 |
| Equity capital to assets | 5.4205% | 7,027 |
| Core capital (leverage) ratio | 5.3750% | 6,988 |
| Tier 1 risk-based capital ratio | 8.3875% | 6,975 |
| Total risk-based capital ratio | 9.7072% | 6,975 |
| Memoranda: | ||
| Average total assets | $100,403,250 | 4,867 |
| Average earning assets | $83,317,000 | 5,090 |
| Average equity | $5,894,000 | 6,118 |
| Average total loans | $69,471,500 | 4,410 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9310% | 1,985 |
| Cost of funding earning assets | 0.7182% | 3,874 |
| Net interest margin | 4.2128% | 1,714 |
| Noninterest income to average assets | 0.4632% | 4,181 |
| Noninterest expense to average assets | 4.5502% | 528 |
| Loan and lease loss provision to assets | 0.5431% | 1,136 |
| Net operating income to assets | -1.1480% | 6,941 |
| Return on assets (ROA) | -1.1460% | 6,959 |
| Pretax return on assets | -1.1380% | 6,933 |
| Return on Equity (ROE) | -19.0318% | 7,028 |
| Retained earnings to average equity (ytd only) | -19.0318% | 7,001 |
| Net charge-offs to loans | 1.4094% | 725 |
| Credit loss provision to net charge-offs | 55.0607% | 3,930 |
| Earnings coverage of net charge-offs (x) | -0.6053% | 5,257 |
| Efficiency ratio | 115.1010% | 267 |
| Assets per employee ($millions) | 3.0218% | 6,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2184% | 132 |
| Loan loss allowance to noncurrent loans | 51.5073% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 12.3862% | 163 |
| Noncurrent loans to loans | 10.1313% | 261 |
| Net loans and leases to total assets | 67.3958% | 2,393 |
| Net loans and leases to deposits | 73.5633% | 3,366 |
| Net loans and leases to core deposits | 75.5442% | 3,811 |
| Total domestic deposits to total assets | 91.6160% | 291 |
| Equity capital to assets | 6.0044% | 7,026 |
| Core capital (leverage) ratio | 5.9723% | 6,991 |
| Tier 1 risk-based capital ratio | 8.5819% | 7,005 |
| Total risk-based capital ratio | 9.9000% | 7,005 |
| Memoranda: | ||
| Average total assets | $100,171,670 | 4,895 |
| Average earning assets | $82,984,670 | 5,129 |
| Average equity | $6,032,000 | 6,110 |
| Average total loans | $70,102,000 | 4,415 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0496% | 1,722 |
| Cost of funding earning assets | 0.7856% | 3,582 |
| Net interest margin | 4.2640% | 1,577 |
| Noninterest income to average assets | 0.4396% | 4,378 |
| Noninterest expense to average assets | 4.7454% | 441 |
| Loan and lease loss provision to assets | 1.0676% | 376 |
| Net operating income to assets | -1.8605% | 7,142 |
| Return on assets (ROA) | -1.8565% | 7,145 |
| Pretax return on assets | -1.8330% | 7,117 |
| Return on Equity (ROE) | -30.7893% | 7,167 |
| Retained earnings to average equity (ytd only) | -30.7893% | 7,138 |
| Net charge-offs to loans | 1.5881% | 626 |
| Credit loss provision to net charge-offs | 96.7972% | 2,425 |
| Earnings coverage of net charge-offs (x) | -0.6975% | 4,529 |
| Efficiency ratio | 119.3485% | 224 |
| Assets per employee ($millions) | 3.1810% | 5,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5121% | 114 |
| Loan loss allowance to noncurrent loans | 50.4915% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 11.6197% | 220 |
| Noncurrent loans to loans | 10.9168% | 253 |
| Net loans and leases to total assets | 64.0093% | 2,847 |
| Net loans and leases to deposits | 69.9485% | 3,745 |
| Net loans and leases to core deposits | 71.7406% | 4,188 |
| Total domestic deposits to total assets | 91.5092% | 376 |
| Equity capital to assets | 5.7990% | 7,089 |
| Core capital (leverage) ratio | 5.7735% | 7,060 |
| Tier 1 risk-based capital ratio | 8.7323% | 7,058 |
| Total risk-based capital ratio | 10.0591% | 7,055 |
| Memoranda: | ||
| Average total assets | $101,909,500 | 4,892 |
| Average earning assets | $84,521,000 | 5,126 |
| Average equity | $6,145,000 | 6,112 |
| Average total loans | $70,774,500 | 4,422 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8926% | 3,394 |
| Cost of funding earning assets | 1.2355% | 1,811 |
| Net interest margin | 3.6571% | 4,485 |
| Noninterest income to average assets | 0.4241% | 4,415 |
| Noninterest expense to average assets | 4.3993% | 648 |
| Loan and lease loss provision to assets | 2.7462% | 147 |
| Net operating income to assets | -3.9849% | 7,252 |
| Return on assets (ROA) | -3.9125% | 7,256 |
| Pretax return on assets | -3.5105% | 7,235 |
| Return on Equity (ROE) | -50.9411% | 7,205 |
| Retained earnings to average equity (ytd only) | -50.9411% | 7,202 |
| Net charge-offs to loans | 2.1232% | 623 |
| Credit loss provision to net charge-offs | 187.9081% | 1,364 |
| Earnings coverage of net charge-offs (x) | -0.5726% | 6,103 |
| Efficiency ratio | 123.4871% | 279 |
| Assets per employee ($millions) | 3.4009% | 5,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2486% | 151 |
| Loan loss allowance to noncurrent loans | 53.7377% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 10.2856% | 314 |
| Noncurrent loans to loans | 9.7671% | 337 |
| Net loans and leases to total assets | 67.4152% | 2,501 |
| Net loans and leases to deposits | 73.9080% | 3,512 |
| Net loans and leases to core deposits | 75.8101% | 4,007 |
| Total domestic deposits to total assets | 91.2150% | 420 |
| Equity capital to assets | 6.2602% | 7,065 |
| Core capital (leverage) ratio | 6.2262% | 7,024 |
| Tier 1 risk-based capital ratio | 8.8176% | 7,053 |
| Total risk-based capital ratio | 10.1218% | 7,051 |
| Memoranda: | ||
| Average total assets | $113,176,200 | 4,568 |
| Average earning assets | $97,126,800 | 4,707 |
| Average equity | $8,692,400 | 5,365 |
| Average total loans | $77,899,800 | 4,216 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8343% | 3,860 |
| Cost of funding earning assets | 1.3541% | 1,435 |
| Net interest margin | 3.4802% | 5,268 |
| Noninterest income to average assets | 0.4128% | 4,565 |
| Noninterest expense to average assets | 4.4185% | 621 |
| Loan and lease loss provision to assets | 3.2952% | 91 |
| Net operating income to assets | -4.8221% | 7,371 |
| Return on assets (ROA) | -4.7278% | 7,370 |
| Pretax return on assets | -4.1955% | 7,345 |
| Return on Equity (ROE) | -59.1507% | 7,320 |
| Retained earnings to average equity (ytd only) | -59.1507% | 7,317 |
| Net charge-offs to loans | 2.7498% | 373 |
| Credit loss provision to net charge-offs | 175.3978% | 1,700 |
| Earnings coverage of net charge-offs (x) | -0.5294% | 5,842 |
| Efficiency ratio | 129.0463% | 230 |
| Assets per employee ($millions) | 3.3159% | 5,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8646% | 206 |
| Loan loss allowance to noncurrent loans | 30.1335% | 6,243 |
| Noncurrent assets plus other real estate owned to assets | 13.1055% | 189 |
| Noncurrent loans to loans | 16.1436% | 113 |
| Net loans and leases to total assets | 66.1298% | 2,874 |
| Net loans and leases to deposits | 72.3698% | 3,925 |
| Net loans and leases to core deposits | 74.3489% | 4,400 |
| Total domestic deposits to total assets | 91.3777% | 325 |
| Equity capital to assets | 6.3040% | 7,154 |
| Core capital (leverage) ratio | 6.2836% | 7,101 |
| Tier 1 risk-based capital ratio | 9.1726% | 7,096 |
| Total risk-based capital ratio | 10.4713% | 7,084 |
| Memoranda: | ||
| Average total assets | $115,963,750 | 4,532 |
| Average earning assets | $100,335,500 | 4,665 |
| Average equity | $9,268,750 | 5,240 |
| Average total loans | $79,227,000 | 4,202 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7980% | 4,103 |
| Cost of funding earning assets | 1.2683% | 2,130 |
| Net interest margin | 3.5296% | 5,015 |
| Noninterest income to average assets | 0.3757% | 4,876 |
| Noninterest expense to average assets | 4.1225% | 893 |
| Loan and lease loss provision to assets | 1.5866% | 440 |
| Net operating income to assets | -2.8830% | 7,298 |
| Return on assets (ROA) | -2.7455% | 7,291 |
| Pretax return on assets | -2.1434% | 7,195 |
| Return on Equity (ROE) | -32.3241% | 7,267 |
| Retained earnings to average equity (ytd only) | -32.3241% | 7,259 |
| Net charge-offs to loans | 2.8180% | 388 |
| Credit loss provision to net charge-offs | 82.8371% | 3,688 |
| Earnings coverage of net charge-offs (x) | -0.3625% | 5,483 |
| Efficiency ratio | 120.2544% | 343 |
| Assets per employee ($millions) | 3.2233% | 5,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7968% | 1,080 |
| Loan loss allowance to noncurrent loans | 18.4963% | 6,767 |
| Noncurrent assets plus other real estate owned to assets | 12.3247% | 243 |
| Noncurrent loans to loans | 15.1209% | 136 |
| Net loans and leases to total assets | 66.5440% | 2,923 |
| Net loans and leases to deposits | 81.3954% | 2,541 |
| Net loans and leases to core deposits | 83.7379% | 3,249 |
| Total domestic deposits to total assets | 81.7540% | 5,251 |
| Equity capital to assets | 8.1284% | 6,571 |
| Core capital (leverage) ratio | 8.1040% | 6,163 |
| Tier 1 risk-based capital ratio | 11.6708% | 6,032 |
| Total risk-based capital ratio | 12.9415% | 6,023 |
| Memoranda: | ||
| Average total assets | $119,249,000 | 4,481 |
| Average earning assets | $103,127,000 | 4,623 |
| Average equity | $10,128,670 | 5,016 |
| Average total loans | $81,050,330 | 4,177 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7305% | 4,368 |
| Cost of funding earning assets | 1.2816% | 2,294 |
| Net interest margin | 3.4489% | 5,230 |
| Noninterest income to average assets | 0.3625% | 5,016 |
| Noninterest expense to average assets | 3.4818% | 2,054 |
| Loan and lease loss provision to assets | 0.9995% | 768 |
| Net operating income to assets | -1.1301% | 7,076 |
| Return on assets (ROA) | -1.1301% | 7,083 |
| Pretax return on assets | -1.1301% | 7,034 |
| Return on Equity (ROE) | -13.0468% | 7,101 |
| Retained earnings to average equity (ytd only) | -13.0468% | 6,976 |
| Net charge-offs to loans | 2.9122% | 373 |
| Credit loss provision to net charge-offs | 50.6623% | 3,736 |
| Earnings coverage of net charge-offs (x) | -0.0662% | 4,628 |
| Efficiency ratio | 103.8986% | 632 |
| Assets per employee ($millions) | 3.4261% | 5,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5610% | 1,367 |
| Loan loss allowance to noncurrent loans | 17.9324% | 6,838 |
| Noncurrent assets plus other real estate owned to assets | 11.4840% | 303 |
| Noncurrent loans to loans | 14.2816% | 175 |
| Net loans and leases to total assets | 65.3279% | 3,169 |
| Net loans and leases to deposits | 82.4941% | 2,275 |
| Net loans and leases to core deposits | 85.4920% | 2,958 |
| Total domestic deposits to total assets | 79.1911% | 6,145 |
| Equity capital to assets | 8.7153% | 5,637 |
| Core capital (leverage) ratio | 8.4726% | 5,509 |
| Tier 1 risk-based capital ratio | 12.3525% | 5,392 |
| Total risk-based capital ratio | 13.6187% | 5,368 |
| Memoranda: | ||
| Average total assets | $122,466,500 | 4,405 |
| Average earning assets | $106,119,500 | 4,591 |
| Average equity | $10,608,000 | 4,890 |
| Average total loans | $82,960,000 | 4,164 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2996% | 3,130 |
| Cost of funding earning assets | 1.5311% | 2,477 |
| Net interest margin | 3.7685% | 4,071 |
| Noninterest income to average assets | 0.3815% | 5,047 |
| Noninterest expense to average assets | 3.5568% | 2,042 |
| Loan and lease loss provision to assets | 1.9633% | 673 |
| Net operating income to assets | -1.5800% | 6,932 |
| Return on assets (ROA) | -1.5466% | 6,947 |
| Pretax return on assets | -1.7905% | 6,954 |
| Return on Equity (ROE) | -17.9013% | 6,997 |
| Retained earnings to average equity (ytd only) | -17.9013% | 6,967 |
| Net charge-offs to loans | 2.8377% | 613 |
| Credit loss provision to net charge-offs | 98.8569% | 4,679 |
| Earnings coverage of net charge-offs (x) | 0.0675% | 6,053 |
| Efficiency ratio | 96.3690% | 951 |
| Assets per employee ($millions) | 3.4727% | 4,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7490% | 1,113 |
| Loan loss allowance to noncurrent loans | 22.5235% | 6,715 |
| Noncurrent assets plus other real estate owned to assets | 9.1899% | 484 |
| Noncurrent loans to loans | 12.2049% | 279 |
| Net loans and leases to total assets | 66.5280% | 3,349 |
| Net loans and leases to deposits | 86.9309% | 1,949 |
| Net loans and leases to core deposits | 90.5136% | 2,689 |
| Total domestic deposits to total assets | 76.5298% | 6,564 |
| Equity capital to assets | 8.6108% | 5,706 |
| Core capital (leverage) ratio | 8.4012% | 5,531 |
| Tier 1 risk-based capital ratio | 12.3956% | 5,120 |
| Total risk-based capital ratio | 13.6656% | 5,075 |
| Memoranda: | ||
| Average total assets | $136,554,400 | 4,127 |
| Average earning assets | $119,914,800 | 4,230 |
| Average equity | $11,798,000 | 4,672 |
| Average total loans | $95,572,000 | 3,906 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4005% | 2,881 |
| Cost of funding earning assets | 1.5927% | 2,428 |
| Net interest margin | 3.8079% | 3,941 |
| Noninterest income to average assets | 0.3844% | 5,078 |
| Noninterest expense to average assets | 3.5284% | 1,971 |
| Loan and lease loss provision to assets | 1.9009% | 645 |
| Net operating income to assets | -1.3880% | 7,067 |
| Return on assets (ROA) | -1.3865% | 7,090 |
| Pretax return on assets | -1.6915% | 7,101 |
| Return on Equity (ROE) | -16.0356% | 7,136 |
| Retained earnings to average equity (ytd only) | -16.0356% | 7,110 |
| Net charge-offs to loans | 2.6711% | 609 |
| Credit loss provision to net charge-offs | 101.1705% | 4,266 |
| Earnings coverage of net charge-offs (x) | 0.1104% | 5,910 |
| Efficiency ratio | 94.4459% | 982 |
| Assets per employee ($millions) | 3.4157% | 5,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6985% | 1,085 |
| Loan loss allowance to noncurrent loans | 28.4044% | 6,427 |
| Noncurrent assets plus other real estate owned to assets | 7.5726% | 688 |
| Noncurrent loans to loans | 9.5005% | 469 |
| Net loans and leases to total assets | 66.8097% | 3,509 |
| Net loans and leases to deposits | 87.8298% | 2,033 |
| Net loans and leases to core deposits | 92.0954% | 2,783 |
| Total domestic deposits to total assets | 76.0672% | 6,640 |
| Equity capital to assets | 8.8785% | 5,733 |
| Core capital (leverage) ratio | 8.6095% | 5,331 |
| Tier 1 risk-based capital ratio | 12.5994% | 4,889 |
| Total risk-based capital ratio | 13.8693% | 4,858 |
| Memoranda: | ||
| Average total assets | $139,438,500 | 4,115 |
| Average earning assets | $122,725,250 | 4,228 |
| Average equity | $12,056,250 | 4,664 |
| Average total loans | $98,084,250 | 3,912 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3743% | 3,083 |
| Cost of funding earning assets | 1.6580% | 2,338 |
| Net interest margin | 3.7163% | 4,286 |
| Noninterest income to average assets | 0.3659% | 5,211 |
| Noninterest expense to average assets | 3.4742% | 2,087 |
| Loan and lease loss provision to assets | 2.7171% | 392 |
| Net operating income to assets | -2.0652% | 7,323 |
| Return on assets (ROA) | -2.0652% | 7,333 |
| Pretax return on assets | -2.5320% | 7,375 |
| Return on Equity (ROE) | -24.0811% | 7,358 |
| Retained earnings to average equity (ytd only) | -24.0811% | 7,344 |
| Net charge-offs to loans | 3.7043% | 375 |
| Credit loss provision to net charge-offs | 103.5256% | 3,941 |
| Earnings coverage of net charge-offs (x) | 0.0705% | 5,652 |
| Efficiency ratio | 94.9425% | 1,014 |
| Assets per employee ($millions) | 3.6017% | 4,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5884% | 1,206 |
| Loan loss allowance to noncurrent loans | 36.4448% | 5,928 |
| Noncurrent assets plus other real estate owned to assets | 5.7078% | 1,059 |
| Noncurrent loans to loans | 7.1022% | 792 |
| Net loans and leases to total assets | 67.3130% | 3,545 |
| Net loans and leases to deposits | 87.8698% | 2,192 |
| Net loans and leases to core deposits | 93.0934% | 2,835 |
| Total domestic deposits to total assets | 76.6054% | 6,583 |
| Equity capital to assets | 8.4090% | 6,286 |
| Core capital (leverage) ratio | 8.1466% | 6,038 |
| Tier 1 risk-based capital ratio | 11.9902% | 5,322 |
| Total risk-based capital ratio | 13.2584% | 5,267 |
| Memoranda: | ||
| Average total assets | $142,652,330 | 4,080 |
| Average earning assets | $126,415,670 | 4,171 |
| Average equity | $12,233,670 | 4,614 |
| Average total loans | $101,071,670 | 3,856 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4288% | 2,900 |
| Cost of funding earning assets | 1.7532% | 2,114 |
| Net interest margin | 3.6756% | 4,369 |
| Noninterest income to average assets | 0.3490% | 5,349 |
| Noninterest expense to average assets | 3.2485% | 2,708 |
| Loan and lease loss provision to assets | 2.8719% | 355 |
| Net operating income to assets | -1.5775% | 7,356 |
| Return on assets (ROA) | -1.5775% | 7,360 |
| Pretax return on assets | -2.4872% | 7,509 |
| Return on Equity (ROE) | -18.2280% | 7,396 |
| Retained earnings to average equity (ytd only) | -18.2280% | 7,315 |
| Net charge-offs to loans | 3.8574% | 351 |
| Credit loss provision to net charge-offs | 103.8767% | 3,294 |
| Earnings coverage of net charge-offs (x) | 0.1392% | 4,907 |
| Efficiency ratio | 89.4100% | 1,477 |
| Assets per employee ($millions) | 3.7251% | 4,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3777% | 1,448 |
| Loan loss allowance to noncurrent loans | 26.2411% | 6,654 |
| Noncurrent assets plus other real estate owned to assets | 6.5914% | 859 |
| Noncurrent loans to loans | 9.0608% | 528 |
| Net loans and leases to total assets | 68.4210% | 3,293 |
| Net loans and leases to deposits | 89.5554% | 1,978 |
| Net loans and leases to core deposits | 94.6605% | 2,752 |
| Total domestic deposits to total assets | 76.4007% | 6,682 |
| Equity capital to assets | 8.4871% | 6,016 |
| Core capital (leverage) ratio | 8.4776% | 5,412 |
| Tier 1 risk-based capital ratio | 12.3706% | 4,856 |
| Total risk-based capital ratio | 13.6359% | 4,797 |
| Memoranda: | ||
| Average total assets | $145,546,000 | 4,102 |
| Average earning assets | $130,048,000 | 4,150 |
| Average equity | $12,596,000 | 4,563 |
| Average total loans | $104,319,500 | 3,815 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1339% | 1,422 |
| Cost of funding earning assets | 2.1271% | 2,338 |
| Net interest margin | 4.0068% | 2,833 |
| Noninterest income to average assets | 0.3853% | 5,335 |
| Noninterest expense to average assets | 3.1011% | 3,739 |
| Loan and lease loss provision to assets | 1.9180% | 1,155 |
| Net operating income to assets | -0.6786% | 6,339 |
| Return on assets (ROA) | -0.6384% | 6,302 |
| Pretax return on assets | -1.0051% | 6,413 |
| Return on Equity (ROE) | -7.3336% | 6,414 |
| Retained earnings to average equity (ytd only) | -7.9495% | 6,344 |
| Net charge-offs to loans | 1.3026% | 1,907 |
| Credit loss provision to net charge-offs | 181.5291% | 2,278 |
| Earnings coverage of net charge-offs (x) | 0.8045% | 5,305 |
| Efficiency ratio | 78.4874% | 3,120 |
| Assets per employee ($millions) | 3.9409% | 3,931 |
| Cash dividends to net income (ytd only)* | -8.3987% | 7,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2319% | 1,587 |
| Loan loss allowance to noncurrent loans | 34.3022% | 6,141 |
| Noncurrent assets plus other real estate owned to assets | 5.0064% | 1,230 |
| Noncurrent loans to loans | 6.5065% | 922 |
| Net loans and leases to total assets | 71.6210% | 2,853 |
| Net loans and leases to deposits | 94.0634% | 1,585 |
| Net loans and leases to core deposits | 117.4475% | 2,180 |
| Total domestic deposits to total assets | 76.1412% | 6,650 |
| Equity capital to assets | 8.8209% | 5,395 |
| Core capital (leverage) ratio | 8.8378% | 4,707 |
| Tier 1 risk-based capital ratio | 12.5153% | 4,509 |
| Total risk-based capital ratio | 13.7796% | 4,442 |
| Memoranda: | ||
| Average total assets | $139,884,200 | 4,128 |
| Average earning assets | $124,489,000 | 4,204 |
| Average equity | $12,176,800 | 4,708 |
| Average total loans | $113,468,800 | 3,619 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3651% | 994 |
| Cost of funding earning assets | 2.1807% | 2,492 |
| Net interest margin | 4.1844% | 2,111 |
| Noninterest income to average assets | 0.3853% | 5,431 |
| Noninterest expense to average assets | 3.0085% | 4,016 |
| Loan and lease loss provision to assets | 2.0895% | 847 |
| Net operating income to assets | -0.6340% | 6,556 |
| Return on assets (ROA) | -0.6223% | 6,551 |
| Pretax return on assets | -0.9807% | 6,669 |
| Return on Equity (ROE) | -7.1743% | 6,678 |
| Retained earnings to average equity (ytd only) | -8.0072% | 6,601 |
| Net charge-offs to loans | 1.3839% | 1,486 |
| Credit loss provision to net charge-offs | 181.5063% | 2,517 |
| Earnings coverage of net charge-offs (x) | 0.9473% | 5,110 |
| Efficiency ratio | 73.3960% | 3,979 |
| Assets per employee ($millions) | 3.8087% | 4,172 |
| Cash dividends to net income (ytd only)* | -11.6102% | 7,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9575% | 1,897 |
| Loan loss allowance to noncurrent loans | 49.6767% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 3.1857% | 2,128 |
| Noncurrent loans to loans | 3.9404% | 1,869 |
| Net loans and leases to total assets | 72.5288% | 2,912 |
| Net loans and leases to deposits | 90.9225% | 2,408 |
| Net loans and leases to core deposits | 114.6812% | 2,763 |
| Total domestic deposits to total assets | 79.7699% | 5,535 |
| Equity capital to assets | 8.8433% | 5,721 |
| Core capital (leverage) ratio | 8.8433% | 4,903 |
| Tier 1 risk-based capital ratio | 12.4356% | 4,601 |
| Total risk-based capital ratio | 13.6957% | 4,543 |
| Memoranda: | ||
| Average total assets | $138,402,250 | 4,171 |
| Average earning assets | $122,833,000 | 4,277 |
| Average equity | $12,005,500 | 4,788 |
| Average total loans | $115,132,000 | 3,611 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6693% | 575 |
| Cost of funding earning assets | 2.2521% | 2,567 |
| Net interest margin | 4.4171% | 1,373 |
| Noninterest income to average assets | 0.3733% | 5,522 |
| Noninterest expense to average assets | 3.0499% | 3,880 |
| Loan and lease loss provision to assets | 2.8840% | 528 |
| Net operating income to assets | -1.0504% | 7,023 |
| Return on assets (ROA) | -1.0324% | 7,006 |
| Pretax return on assets | -1.6279% | 7,142 |
| Return on Equity (ROE) | -11.9876% | 7,174 |
| Retained earnings to average equity (ytd only) | -13.2775% | 7,134 |
| Net charge-offs to loans | 1.7796% | 1,063 |
| Credit loss provision to net charge-offs | 187.2115% | 2,453 |
| Earnings coverage of net charge-offs (x) | 0.7971% | 4,937 |
| Efficiency ratio | 71.2950% | 4,538 |
| Assets per employee ($millions) | 3.5256% | 4,753 |
| Cash dividends to net income (ytd only)* | -10.7604% | 7,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8422% | 1,937 |
| Loan loss allowance to noncurrent loans | 102.5578% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 1.7877% | 3,494 |
| Noncurrent loans to loans | 1.7963% | 3,806 |
| Net loans and leases to total assets | 82.9212% | 797 |
| Net loans and leases to deposits | 99.9173% | 1,295 |
| Net loans and leases to core deposits | 118.5032% | 2,500 |
| Total domestic deposits to total assets | 82.9899% | 4,240 |
| Equity capital to assets | 9.7669% | 4,263 |
| Core capital (leverage) ratio | 9.7669% | 3,558 |
| Tier 1 risk-based capital ratio | 12.5310% | 4,501 |
| Total risk-based capital ratio | 13.7806% | 4,421 |
| Memoranda: | ||
| Average total assets | $135,022,670 | 4,281 |
| Average earning assets | $119,353,000 | 4,388 |
| Average equity | $11,628,670 | 4,905 |
| Average total loans | $116,880,670 | 3,607 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7324% | 552 |
| Cost of funding earning assets | 2.2830% | 2,778 |
| Net interest margin | 4.4494% | 1,235 |
| Noninterest income to average assets | 0.3010% | 6,033 |
| Noninterest expense to average assets | 3.0248% | 3,656 |
| Loan and lease loss provision to assets | 0.7377% | 1,743 |
| Net operating income to assets | 0.3035% | 5,286 |
| Return on assets (ROA) | 0.3394% | 5,300 |
| Pretax return on assets | 0.5341% | 4,964 |
| Return on Equity (ROE) | 4.2200% | 4,833 |
| Retained earnings to average equity (ytd only) | 4.2200% | 3,560 |
| Net charge-offs to loans | 1.0477% | 1,293 |
| Credit loss provision to net charge-offs | 80.3859% | 4,185 |
| Earnings coverage of net charge-offs (x) | 1.3248% | 4,079 |
| Efficiency ratio | 71.3292% | 4,308 |
| Assets per employee ($millions) | 3.4839% | 4,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9459% | 6,522 |
| Loan loss allowance to noncurrent loans | 60.2481% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 1.4684% | 3,734 |
| Noncurrent loans to loans | 1.5699% | 3,924 |
| Net loans and leases to total assets | 88.3599% | 235 |
| Net loans and leases to deposits | 108.0569% | 719 |
| Net loans and leases to core deposits | 132.8544% | 1,482 |
| Total domestic deposits to total assets | 81.7716% | 4,646 |
| Equity capital to assets | 8.2772% | 6,420 |
| Core capital (leverage) ratio | 8.2772% | 5,947 |
| Tier 1 risk-based capital ratio | 10.2399% | 6,660 |
| Total risk-based capital ratio | 11.3028% | 6,768 |
| Memoranda: | ||
| Average total assets | $135,547,500 | 4,297 |
| Average earning assets | $120,016,500 | 4,383 |
| Average equity | $10,900,500 | 5,134 |
| Average total loans | $118,732,500 | 3,589 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3180% | 573 |
| Cost of funding earning assets | 2.7175% | 3,077 |
| Net interest margin | 4.6005% | 1,176 |
| Noninterest income to average assets | 0.3514% | 5,918 |
| Noninterest expense to average assets | 2.9093% | 4,417 |
| Loan and lease loss provision to assets | 0.5512% | 2,617 |
| Net operating income to assets | 0.6192% | 4,230 |
| Return on assets (ROA) | 0.6586% | 3,917 |
| Pretax return on assets | 1.0333% | 3,261 |
| Return on Equity (ROE) | 8.2284% | 2,964 |
| Retained earnings to average equity (ytd only) | 7.4274% | 1,007 |
| Net charge-offs to loans | 0.0873% | 5,494 |
| Credit loss provision to net charge-offs | 727.4725% | 574 |
| Earnings coverage of net charge-offs (x) | 20.0989% | 1,594 |
| Efficiency ratio | 65.6397% | 5,201 |
| Assets per employee ($millions) | 3.7489% | 4,062 |
| Cash dividends to net income (ytd only)* | 9.7345% | 4,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 6,168 |
| Loan loss allowance to noncurrent loans | 47.6537% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 1.8507% | 2,669 |
| Noncurrent loans to loans | 2.0709% | 2,667 |
| Net loans and leases to total assets | 85.2099% | 700 |
| Net loans and leases to deposits | 113.9803% | 612 |
| Net loans and leases to core deposits | 141.2356% | 1,200 |
| Total domestic deposits to total assets | 74.7585% | 6,506 |
| Equity capital to assets | 7.8171% | 7,074 |
| Core capital (leverage) ratio | 7.8171% | 6,777 |
| Tier 1 risk-based capital ratio | 9.7735% | 6,982 |
| Total risk-based capital ratio | 10.8513% | 7,096 |
| Memoranda: | ||
| Average total assets | $120,099,400 | 4,517 |
| Average earning assets | $106,531,800 | 4,604 |
| Average equity | $9,613,000 | 5,531 |
| Average total loans | $104,244,600 | 3,843 |