Home > Grandpoint Bank > Performance and Condition Ratios
Grandpoint Bank, Performance and Condition Ratios
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4242% | 2,338 |
| Cost of funding earning assets | 0.5545% | 2,572 |
| Net interest margin | 3.8696% | 2,313 |
| Noninterest income to average assets | 0.1897% | 4,877 |
| Noninterest expense to average assets | 2.7422% | 2,872 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1389% | 2,442 |
| Return on assets (ROA) | 1.1073% | 2,560 |
| Pretax return on assets | 1.0374% | 3,547 |
| Return on Equity (ROE) | 10.3158% | 2,417 |
| Retained earnings to average equity (ytd only) | 2.9967% | 4,057 |
| Net charge-offs to loans | 0.0230% | 2,407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 62.0766% | 975 |
| Efficiency ratio | 70.6778% | 2,216 |
| Assets per employee ($millions) | 11.7533% | 203 |
| Cash dividends to net income (ytd only)* | 70.9502% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7764% | 4,763 |
| Loan loss allowance to noncurrent loans | 263.6299% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 3,779 |
| Noncurrent loans to loans | 0.2945% | 3,641 |
| Net loans and leases to total assets | 76.8765% | 1,491 |
| Net loans and leases to deposits | 95.0482% | 1,243 |
| Net loans and leases to core deposits | 103.9276% | 1,402 |
| Total domestic deposits to total assets | 80.8816% | 4,027 |
| Equity capital to assets | 10.4817% | 3,139 |
| Core capital (leverage) ratio | 8.6537% | 4,994 |
| Tier 1 risk-based capital ratio | 10.2243% | 5,362 |
| Total risk-based capital ratio | 10.9791% | 5,439 |
| Memoranda: | ||
| Average total assets | $3,182,133,000 | 305 |
| Average earning assets | $2,978,153,000 | 298 |
| Average equity | $341,572,330 | 314 |
| Average total loans | $2,377,559,330 | 291 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3511% | 2,351 |
| Cost of funding earning assets | 0.5026% | 2,777 |
| Net interest margin | 3.8485% | 2,233 |
| Noninterest income to average assets | 0.1544% | 5,091 |
| Noninterest expense to average assets | 2.1556% | 4,526 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1649% | 2,160 |
| Return on assets (ROA) | 1.1327% | 2,295 |
| Pretax return on assets | 1.5667% | 1,481 |
| Return on Equity (ROE) | 10.4340% | 2,209 |
| Retained earnings to average equity (ytd only) | 4.7155% | 3,304 |
| Net charge-offs to loans | 0.0387% | 1,753 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 56.5415% | 874 |
| Efficiency ratio | 56.0079% | 4,578 |
| Assets per employee ($millions) | 10.2643% | 297 |
| Cash dividends to net income (ytd only)* | 54.8065% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7911% | 4,814 |
| Loan loss allowance to noncurrent loans | 253.0772% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 3,843 |
| Noncurrent loans to loans | 0.3126% | 3,652 |
| Net loans and leases to total assets | 72.1124% | 2,152 |
| Net loans and leases to deposits | 97.1134% | 932 |
| Net loans and leases to core deposits | 106.8398% | 1,186 |
| Total domestic deposits to total assets | 74.2558% | 5,127 |
| Equity capital to assets | 10.7911% | 2,776 |
| Core capital (leverage) ratio | 9.2893% | 4,337 |
| Tier 1 risk-based capital ratio | 10.9231% | 5,172 |
| Total risk-based capital ratio | 11.6325% | 5,310 |
| Memoranda: | ||
| Average total assets | $3,221,765,500 | 302 |
| Average earning assets | $3,020,996,500 | 295 |
| Average equity | $349,741,500 | 312 |
| Average total loans | $2,364,318,000 | 291 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1741% | 2,793 |
| Cost of funding earning assets | 0.3903% | 3,331 |
| Net interest margin | 3.7838% | 2,485 |
| Noninterest income to average assets | 0.2387% | 4,705 |
| Noninterest expense to average assets | 2.1274% | 4,699 |
| Loan and lease loss provision to assets | 0.0107% | 4,067 |
| Net operating income to assets | 0.8082% | 3,122 |
| Return on assets (ROA) | 0.8115% | 3,150 |
| Pretax return on assets | 1.6734% | 1,085 |
| Return on Equity (ROE) | 6.9608% | 3,299 |
| Retained earnings to average equity (ytd only) | -9.0822% | 5,517 |
| Net charge-offs to loans | -0.0015% | 4,515 |
| Credit loss provision to net charge-offs | -945.9459% | 5,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5806% | 4,898 |
| Assets per employee ($millions) | 10.0307% | 315 |
| Cash dividends to net income (ytd only)* | 230.4757% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8013% | 4,827 |
| Loan loss allowance to noncurrent loans | 181.2865% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.3562% | 3,441 |
| Noncurrent loans to loans | 0.4420% | 3,198 |
| Net loans and leases to total assets | 73.5045% | 2,003 |
| Net loans and leases to deposits | 98.5490% | 857 |
| Net loans and leases to core deposits | 107.6939% | 1,155 |
| Total domestic deposits to total assets | 74.5867% | 5,127 |
| Equity capital to assets | 10.9214% | 2,712 |
| Core capital (leverage) ratio | 9.1780% | 4,424 |
| Tier 1 risk-based capital ratio | 10.5532% | 5,350 |
| Total risk-based capital ratio | 11.2551% | 5,477 |
| Memoranda: | ||
| Average total assets | $3,261,511,400 | 288 |
| Average earning assets | $3,075,228,200 | 278 |
| Average equity | $380,227,400 | 277 |
| Average total loans | $2,406,603,800 | 278 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1339% | 2,857 |
| Cost of funding earning assets | 0.3886% | 3,303 |
| Net interest margin | 3.7454% | 2,592 |
| Noninterest income to average assets | 0.2269% | 4,856 |
| Noninterest expense to average assets | 1.9696% | 5,016 |
| Loan and lease loss provision to assets | 0.0142% | 3,857 |
| Net operating income to assets | 1.0539% | 2,315 |
| Return on assets (ROA) | 1.0583% | 2,328 |
| Pretax return on assets | 1.7839% | 922 |
| Return on Equity (ROE) | 8.9403% | 2,637 |
| Retained earnings to average equity (ytd only) | 3.7884% | 3,666 |
| Net charge-offs to loans | 0.0146% | 3,229 |
| Credit loss provision to net charge-offs | 132.5758% | 1,861 |
| Earnings coverage of net charge-offs (x) | 166.8869% | 503 |
| Efficiency ratio | 51.0492% | 5,178 |
| Assets per employee ($millions) | 10.1865% | 298 |
| Cash dividends to net income (ytd only)* | 57.6258% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7828% | 4,939 |
| Loan loss allowance to noncurrent loans | 201.7100% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.3121% | 3,815 |
| Noncurrent loans to loans | 0.3881% | 3,565 |
| Net loans and leases to total assets | 73.8515% | 1,940 |
| Net loans and leases to deposits | 93.8194% | 1,319 |
| Net loans and leases to core deposits | 106.1599% | 1,262 |
| Total domestic deposits to total assets | 78.7167% | 4,589 |
| Equity capital to assets | 12.3299% | 1,759 |
| Core capital (leverage) ratio | 10.6087% | 2,868 |
| Tier 1 risk-based capital ratio | 12.1414% | 4,526 |
| Total risk-based capital ratio | 12.8329% | 4,784 |
| Memoranda: | ||
| Average total assets | $3,279,452,000 | 289 |
| Average earning assets | $3,094,340,500 | 279 |
| Average equity | $388,193,000 | 273 |
| Average total loans | $2,417,368,000 | 279 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0515% | 3,007 |
| Cost of funding earning assets | 0.3617% | 3,469 |
| Net interest margin | 3.6898% | 2,686 |
| Noninterest income to average assets | 0.2290% | 4,871 |
| Noninterest expense to average assets | 1.9550% | 5,070 |
| Loan and lease loss provision to assets | 0.0151% | 3,653 |
| Net operating income to assets | 1.0339% | 2,280 |
| Return on assets (ROA) | 1.0405% | 2,286 |
| Pretax return on assets | 1.7554% | 934 |
| Return on Equity (ROE) | 8.9099% | 2,549 |
| Retained earnings to average equity (ytd only) | 3.7303% | 3,484 |
| Net charge-offs to loans | 0.0286% | 2,642 |
| Credit loss provision to net charge-offs | 72.0461% | 2,355 |
| Earnings coverage of net charge-offs (x) | 83.8617% | 745 |
| Efficiency ratio | 51.2903% | 5,222 |
| Assets per employee ($millions) | 10.3063% | 275 |
| Cash dividends to net income (ytd only)* | 58.1328% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7536% | 5,069 |
| Loan loss allowance to noncurrent loans | 149.5664% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.3986% | 3,513 |
| Noncurrent loans to loans | 0.5038% | 3,243 |
| Net loans and leases to total assets | 74.8691% | 1,717 |
| Net loans and leases to deposits | 98.3225% | 864 |
| Net loans and leases to core deposits | 114.7763% | 765 |
| Total domestic deposits to total assets | 76.1464% | 5,073 |
| Equity capital to assets | 12.0165% | 1,913 |
| Core capital (leverage) ratio | 10.2694% | 3,178 |
| Tier 1 risk-based capital ratio | 11.9643% | 4,655 |
| Total risk-based capital ratio | 12.6461% | 4,916 |
| Memoranda: | ||
| Average total assets | $3,306,415,330 | 286 |
| Average earning assets | $3,124,007,330 | 276 |
| Average equity | $386,131,330 | 278 |
| Average total loans | $2,429,549,000 | 281 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9258% | 3,300 |
| Cost of funding earning assets | 0.3168% | 3,885 |
| Net interest margin | 3.6090% | 2,860 |
| Noninterest income to average assets | 0.2029% | 5,053 |
| Noninterest expense to average assets | 1.8999% | 5,242 |
| Loan and lease loss provision to assets | 0.0300% | 3,176 |
| Net operating income to assets | 0.9997% | 2,305 |
| Return on assets (ROA) | 1.0127% | 2,303 |
| Pretax return on assets | 1.7081% | 987 |
| Return on Equity (ROE) | 8.7957% | 2,515 |
| Retained earnings to average equity (ytd only) | 3.5893% | 3,645 |
| Net charge-offs to loans | -0.0116% | 4,489 |
| Credit loss provision to net charge-offs | -357.1429% | 4,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1599% | 5,316 |
| Assets per employee ($millions) | 11.0592% | 222 |
| Cash dividends to net income (ytd only)* | 59.1926% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7641% | 5,161 |
| Loan loss allowance to noncurrent loans | 134.1008% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.4397% | 3,433 |
| Noncurrent loans to loans | 0.5698% | 3,099 |
| Net loans and leases to total assets | 73.1409% | 1,884 |
| Net loans and leases to deposits | 93.3297% | 1,183 |
| Net loans and leases to core deposits | 111.6369% | 788 |
| Total domestic deposits to total assets | 78.3682% | 4,924 |
| Equity capital to assets | 11.5222% | 2,167 |
| Core capital (leverage) ratio | 10.1732% | 3,280 |
| Tier 1 risk-based capital ratio | 11.5477% | 4,999 |
| Total risk-based capital ratio | 12.2294% | 5,238 |
| Memoranda: | ||
| Average total assets | $3,336,388,500 | 286 |
| Average earning assets | $3,156,736,000 | 277 |
| Average equity | $384,141,000 | 277 |
| Average total loans | $2,419,795,500 | 283 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9730% | 3,300 |
| Cost of funding earning assets | 0.2605% | 4,458 |
| Net interest margin | 3.7125% | 2,638 |
| Noninterest income to average assets | 0.1809% | 5,318 |
| Noninterest expense to average assets | 1.8932% | 5,372 |
| Loan and lease loss provision to assets | 0.0352% | 3,662 |
| Net operating income to assets | 1.0518% | 2,132 |
| Return on assets (ROA) | 1.0523% | 2,229 |
| Pretax return on assets | 1.7617% | 866 |
| Return on Equity (ROE) | 9.4462% | 2,211 |
| Retained earnings to average equity (ytd only) | 9.4462% | 507 |
| Net charge-offs to loans | -0.0068% | 4,862 |
| Credit loss provision to net charge-offs | -732.4841% | 5,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8947% | 5,490 |
| Assets per employee ($millions) | 11.2604% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7828% | 5,152 |
| Loan loss allowance to noncurrent loans | 122.1089% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.4892% | 3,303 |
| Noncurrent loans to loans | 0.6411% | 2,930 |
| Net loans and leases to total assets | 70.7819% | 2,372 |
| Net loans and leases to deposits | 91.2390% | 1,543 |
| Net loans and leases to core deposits | 109.7392% | 921 |
| Total domestic deposits to total assets | 77.5786% | 5,038 |
| Equity capital to assets | 11.5050% | 2,169 |
| Core capital (leverage) ratio | 9.9638% | 3,529 |
| Tier 1 risk-based capital ratio | 11.3927% | 5,119 |
| Total risk-based capital ratio | 12.0608% | 5,333 |
| Memoranda: | ||
| Average total assets | $3,269,210,800 | 283 |
| Average earning assets | $3,089,416,200 | 277 |
| Average equity | $364,190,000 | 279 |
| Average total loans | $2,315,964,800 | 280 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9364% | 3,471 |
| Cost of funding earning assets | 0.2571% | 4,539 |
| Net interest margin | 3.6793% | 2,792 |
| Noninterest income to average assets | 0.1871% | 5,339 |
| Noninterest expense to average assets | 1.8858% | 5,403 |
| Loan and lease loss provision to assets | 0.0143% | 3,966 |
| Net operating income to assets | 1.0534% | 2,184 |
| Return on assets (ROA) | 1.0535% | 2,308 |
| Pretax return on assets | 1.7628% | 970 |
| Return on Equity (ROE) | 9.5368% | 2,256 |
| Retained earnings to average equity (ytd only) | 9.5368% | 679 |
| Net charge-offs to loans | -0.0152% | 4,915 |
| Credit loss provision to net charge-offs | -133.0798% | 4,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0470% | 5,497 |
| Assets per employee ($millions) | 10.8306% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7703% | 5,272 |
| Loan loss allowance to noncurrent loans | 111.1955% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.5175% | 3,387 |
| Noncurrent loans to loans | 0.6927% | 2,952 |
| Net loans and leases to total assets | 69.8712% | 2,502 |
| Net loans and leases to deposits | 89.1704% | 1,862 |
| Net loans and leases to core deposits | 107.3787% | 1,089 |
| Total domestic deposits to total assets | 78.3570% | 4,845 |
| Equity capital to assets | 11.4083% | 2,593 |
| Core capital (leverage) ratio | 9.6380% | 4,012 |
| Tier 1 risk-based capital ratio | 12.5343% | 4,451 |
| Total risk-based capital ratio | 13.2628% | 4,683 |
| Memoranda: | ||
| Average total assets | $3,256,057,250 | 285 |
| Average earning assets | $3,075,797,000 | 275 |
| Average equity | $359,693,250 | 276 |
| Average total loans | $2,302,505,000 | 279 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9170% | 3,550 |
| Cost of funding earning assets | 0.2524% | 4,636 |
| Net interest margin | 3.6646% | 2,842 |
| Noninterest income to average assets | 0.1876% | 5,373 |
| Noninterest expense to average assets | 1.8863% | 5,480 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0559% | 2,145 |
| Return on assets (ROA) | 1.0559% | 2,267 |
| Pretax return on assets | 1.7654% | 945 |
| Return on Equity (ROE) | 9.6652% | 2,196 |
| Retained earnings to average equity (ytd only) | 9.6652% | 667 |
| Net charge-offs to loans | 0.0104% | 3,347 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 238.6167% | 275 |
| Efficiency ratio | 50.2068% | 5,548 |
| Assets per employee ($millions) | 10.9540% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7346% | 5,445 |
| Loan loss allowance to noncurrent loans | 145.6455% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.3898% | 3,934 |
| Noncurrent loans to loans | 0.5043% | 3,573 |
| Net loans and leases to total assets | 69.9561% | 2,491 |
| Net loans and leases to deposits | 93.1915% | 1,375 |
| Net loans and leases to core deposits | 115.1228% | 673 |
| Total domestic deposits to total assets | 75.0671% | 5,403 |
| Equity capital to assets | 11.0379% | 3,021 |
| Core capital (leverage) ratio | 9.5515% | 4,134 |
| Tier 1 risk-based capital ratio | 12.1373% | 4,749 |
| Total risk-based capital ratio | 12.8341% | 4,994 |
| Memoranda: | ||
| Average total assets | $3,243,906,670 | 280 |
| Average earning assets | $3,066,451,000 | 274 |
| Average equity | $354,385,000 | 279 |
| Average total loans | $2,297,215,670 | 278 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9178% | 3,520 |
| Cost of funding earning assets | 0.2555% | 4,646 |
| Net interest margin | 3.6623% | 2,837 |
| Noninterest income to average assets | 0.1903% | 5,367 |
| Noninterest expense to average assets | 1.8974% | 5,524 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0475% | 2,094 |
| Return on assets (ROA) | 1.0475% | 2,205 |
| Pretax return on assets | 1.7530% | 936 |
| Return on Equity (ROE) | 9.6400% | 2,136 |
| Retained earnings to average equity (ytd only) | 9.6400% | 941 |
| Net charge-offs to loans | -0.0472% | 5,294 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5135% | 5,599 |
| Assets per employee ($millions) | 10.7092% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7699% | 5,442 |
| Loan loss allowance to noncurrent loans | 123.4162% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.4756% | 3,692 |
| Noncurrent loans to loans | 0.6238% | 3,306 |
| Net loans and leases to total assets | 69.7939% | 2,377 |
| Net loans and leases to deposits | 88.6161% | 1,749 |
| Net loans and leases to core deposits | 109.8312% | 863 |
| Total domestic deposits to total assets | 78.7599% | 5,018 |
| Equity capital to assets | 10.9339% | 3,018 |
| Core capital (leverage) ratio | 9.4624% | 4,257 |
| Tier 1 risk-based capital ratio | 11.9450% | 4,945 |
| Total risk-based capital ratio | 12.6680% | 5,179 |
| Memoranda: | ||
| Average total assets | $3,211,813,000 | 281 |
| Average earning assets | $3,034,492,500 | 274 |
| Average equity | $349,005,500 | 281 |
| Average total loans | $2,280,153,500 | 276 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0612% | 3,068 |
| Cost of funding earning assets | 0.2015% | 5,276 |
| Net interest margin | 3.8598% | 2,167 |
| Noninterest income to average assets | 0.2085% | 5,349 |
| Noninterest expense to average assets | 2.0256% | 5,405 |
| Loan and lease loss provision to assets | 0.1257% | 1,918 |
| Net operating income to assets | 1.0063% | 2,331 |
| Return on assets (ROA) | 1.0062% | 2,420 |
| Pretax return on assets | 1.6774% | 1,049 |
| Return on Equity (ROE) | 9.0752% | 2,423 |
| Retained earnings to average equity (ytd only) | 9.0752% | 637 |
| Net charge-offs to loans | 0.0243% | 3,766 |
| Credit loss provision to net charge-offs | 717.0172% | 464 |
| Earnings coverage of net charge-offs (x) | 102.8967% | 562 |
| Efficiency ratio | 51.2808% | 5,680 |
| Assets per employee ($millions) | 10.5262% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7545% | 5,523 |
| Loan loss allowance to noncurrent loans | 122.1750% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.4843% | 3,694 |
| Noncurrent loans to loans | 0.6176% | 3,332 |
| Net loans and leases to total assets | 71.1185% | 2,180 |
| Net loans and leases to deposits | 88.6210% | 1,793 |
| Net loans and leases to core deposits | 110.2068% | 842 |
| Total domestic deposits to total assets | 80.2502% | 4,685 |
| Equity capital to assets | 10.7978% | 3,034 |
| Core capital (leverage) ratio | 9.2469% | 4,551 |
| Tier 1 risk-based capital ratio | 11.8797% | 5,025 |
| Total risk-based capital ratio | 12.6051% | 5,232 |
| Memoranda: | ||
| Average total assets | $2,984,360,400 | 278 |
| Average earning assets | $2,799,237,400 | 274 |
| Average equity | $330,880,800 | 276 |
| Average total loans | $2,149,598,600 | 270 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0565% | 3,114 |
| Cost of funding earning assets | 0.1947% | 5,426 |
| Net interest margin | 3.8618% | 2,153 |
| Noninterest income to average assets | 0.2269% | 5,291 |
| Noninterest expense to average assets | 2.0324% | 5,418 |
| Loan and lease loss provision to assets | 0.1705% | 1,240 |
| Net operating income to assets | 0.9838% | 2,553 |
| Return on assets (ROA) | 0.9836% | 2,637 |
| Pretax return on assets | 1.6389% | 1,270 |
| Return on Equity (ROE) | 8.8095% | 2,671 |
| Retained earnings to average equity (ytd only) | 8.8095% | 970 |
| Net charge-offs to loans | -0.0135% | 5,076 |
| Credit loss provision to net charge-offs | -1,744.1860% | 5,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2352% | 5,705 |
| Assets per employee ($millions) | 10.2932% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7964% | 5,525 |
| Loan loss allowance to noncurrent loans | 90.9565% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 0.7179% | 3,114 |
| Noncurrent loans to loans | 0.8756% | 2,792 |
| Net loans and leases to total assets | 71.3533% | 2,161 |
| Net loans and leases to deposits | 89.8672% | 1,669 |
| Net loans and leases to core deposits | 110.4530% | 855 |
| Total domestic deposits to total assets | 79.3986% | 4,886 |
| Equity capital to assets | 10.7608% | 3,290 |
| Core capital (leverage) ratio | 9.1597% | 4,791 |
| Tier 1 risk-based capital ratio | 11.6205% | 5,315 |
| Total risk-based capital ratio | 12.3838% | 5,474 |
| Memoranda: | ||
| Average total assets | $2,933,091,250 | 286 |
| Average earning assets | $2,745,755,500 | 282 |
| Average equity | $327,503,750 | 285 |
| Average total loans | $2,115,617,000 | 275 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0398% | 3,127 |
| Cost of funding earning assets | 0.1914% | 5,515 |
| Net interest margin | 3.8484% | 2,145 |
| Noninterest income to average assets | 0.2499% | 5,161 |
| Noninterest expense to average assets | 2.0553% | 5,426 |
| Loan and lease loss provision to assets | 0.1047% | 2,083 |
| Net operating income to assets | 1.0134% | 2,323 |
| Return on assets (ROA) | 1.0131% | 2,436 |
| Pretax return on assets | 1.6884% | 1,105 |
| Return on Equity (ROE) | 8.9544% | 2,574 |
| Retained earnings to average equity (ytd only) | 8.9544% | 935 |
| Net charge-offs to loans | -0.0363% | 5,406 |
| Credit loss provision to net charge-offs | -400.0000% | 5,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6636% | 5,743 |
| Assets per employee ($millions) | 10.2449% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7267% | 5,753 |
| Loan loss allowance to noncurrent loans | 103.1611% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 0.5915% | 3,640 |
| Noncurrent loans to loans | 0.7044% | 3,374 |
| Net loans and leases to total assets | 71.1132% | 2,141 |
| Net loans and leases to deposits | 95.1193% | 1,038 |
| Net loans and leases to core deposits | 112.4070% | 732 |
| Total domestic deposits to total assets | 74.7621% | 5,726 |
| Equity capital to assets | 10.8463% | 3,057 |
| Core capital (leverage) ratio | 9.7043% | 3,994 |
| Tier 1 risk-based capital ratio | 11.7188% | 5,327 |
| Total risk-based capital ratio | 12.4094% | 5,557 |
| Memoranda: | ||
| Average total assets | $2,864,315,330 | 292 |
| Average earning assets | $2,678,671,000 | 287 |
| Average equity | $324,063,000 | 290 |
| Average total loans | $2,068,135,330 | 279 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0999% | 2,830 |
| Cost of funding earning assets | 0.2035% | 5,482 |
| Net interest margin | 3.8964% | 1,906 |
| Noninterest income to average assets | 0.2446% | 5,221 |
| Noninterest expense to average assets | 2.1004% | 5,382 |
| Loan and lease loss provision to assets | 0.0361% | 3,175 |
| Net operating income to assets | 1.0434% | 2,060 |
| Return on assets (ROA) | 1.0429% | 2,208 |
| Pretax return on assets | 1.7376% | 972 |
| Return on Equity (ROE) | 9.0127% | 2,438 |
| Retained earnings to average equity (ytd only) | 9.0127% | 1,185 |
| Net charge-offs to loans | -0.0404% | 5,411 |
| Credit loss provision to net charge-offs | -123.1527% | 4,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3999% | 5,787 |
| Assets per employee ($millions) | 9.0872% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7117% | 5,884 |
| Loan loss allowance to noncurrent loans | 104.6727% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 0.6093% | 3,655 |
| Noncurrent loans to loans | 0.6799% | 3,579 |
| Net loans and leases to total assets | 72.3673% | 1,750 |
| Net loans and leases to deposits | 85.1572% | 1,934 |
| Net loans and leases to core deposits | 96.8802% | 1,557 |
| Total domestic deposits to total assets | 84.9808% | 3,415 |
| Equity capital to assets | 11.6443% | 2,342 |
| Core capital (leverage) ratio | 9.8666% | 3,801 |
| Tier 1 risk-based capital ratio | 12.2008% | 5,107 |
| Total risk-based capital ratio | 12.8750% | 5,393 |
| Memoranda: | ||
| Average total assets | $2,769,989,500 | 298 |
| Average earning assets | $2,580,865,000 | 294 |
| Average equity | $320,527,000 | 293 |
| Average total loans | $2,008,725,500 | 279 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5029% | 1,850 |
| Cost of funding earning assets | 0.1752% | 5,940 |
| Net interest margin | 4.3278% | 1,008 |
| Noninterest income to average assets | 0.2379% | 5,431 |
| Noninterest expense to average assets | 2.7499% | 3,675 |
| Loan and lease loss provision to assets | 0.1585% | 1,658 |
| Net operating income to assets | 0.7932% | 3,406 |
| Return on assets (ROA) | 0.7981% | 3,481 |
| Pretax return on assets | 1.3474% | 2,086 |
| Return on Equity (ROE) | 6.2783% | 4,010 |
| Retained earnings to average equity (ytd only) | 2.7592% | 4,275 |
| Net charge-offs to loans | 0.1050% | 3,005 |
| Credit loss provision to net charge-offs | 200.5144% | 1,220 |
| Earnings coverage of net charge-offs (x) | 18.9511% | 1,810 |
| Efficiency ratio | 62.8669% | 4,773 |
| Assets per employee ($millions) | 8.7866% | 381 |
| Cash dividends to net income (ytd only)* | 56.0510% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7065% | 5,981 |
| Loan loss allowance to noncurrent loans | 124.0860% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.5255% | 4,045 |
| Noncurrent loans to loans | 0.5694% | 3,962 |
| Net loans and leases to total assets | 71.6339% | 1,965 |
| Net loans and leases to deposits | 81.8319% | 2,497 |
| Net loans and leases to core deposits | 94.5122% | 1,862 |
| Total domestic deposits to total assets | 87.5378% | 2,013 |
| Equity capital to assets | 11.4975% | 2,430 |
| Core capital (leverage) ratio | 10.0704% | 3,471 |
| Tier 1 risk-based capital ratio | 12.2311% | 5,205 |
| Total risk-based capital ratio | 12.9287% | 5,466 |
| Memoranda: | ||
| Average total assets | $2,459,034,000 | 309 |
| Average earning assets | $2,278,604,000 | 299 |
| Average equity | $312,585,000 | 289 |
| Average total loans | $1,850,939,200 | 282 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6304% | 1,487 |
| Cost of funding earning assets | 0.1699% | 6,063 |
| Net interest margin | 4.4605% | 800 |
| Noninterest income to average assets | 0.2356% | 5,516 |
| Noninterest expense to average assets | 2.9064% | 3,094 |
| Loan and lease loss provision to assets | 0.2178% | 1,054 |
| Net operating income to assets | 0.7335% | 3,762 |
| Return on assets (ROA) | 0.7402% | 3,835 |
| Pretax return on assets | 1.2542% | 2,557 |
| Return on Equity (ROE) | 5.6672% | 4,416 |
| Retained earnings to average equity (ytd only) | 5.6672% | 2,629 |
| Net charge-offs to loans | 0.0983% | 2,818 |
| Credit loss provision to net charge-offs | 290.8955% | 931 |
| Earnings coverage of net charge-offs (x) | 19.5194% | 1,777 |
| Efficiency ratio | 64.6932% | 4,433 |
| Assets per employee ($millions) | 7.6488% | 596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7631% | 5,961 |
| Loan loss allowance to noncurrent loans | 85.5438% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 0.8100% | 3,399 |
| Noncurrent loans to loans | 0.8921% | 3,338 |
| Net loans and leases to total assets | 76.4912% | 1,158 |
| Net loans and leases to deposits | 88.5624% | 1,600 |
| Net loans and leases to core deposits | 93.8001% | 1,890 |
| Total domestic deposits to total assets | 86.3698% | 2,661 |
| Equity capital to assets | 12.8598% | 1,496 |
| Core capital (leverage) ratio | 10.4241% | 3,130 |
| Tier 1 risk-based capital ratio | 12.9390% | 4,903 |
| Total risk-based capital ratio | 13.7015% | 5,130 |
| Memoranda: | ||
| Average total assets | $2,386,243,250 | 315 |
| Average earning assets | $2,210,616,000 | 303 |
| Average equity | $311,680,500 | 284 |
| Average total loans | $1,817,651,500 | 282 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6258% | 1,460 |
| Cost of funding earning assets | 0.1573% | 6,219 |
| Net interest margin | 4.4686% | 752 |
| Noninterest income to average assets | 0.2273% | 5,582 |
| Noninterest expense to average assets | 3.0237% | 2,749 |
| Loan and lease loss provision to assets | 0.2038% | 1,177 |
| Net operating income to assets | 0.6684% | 4,002 |
| Return on assets (ROA) | 0.6787% | 4,048 |
| Pretax return on assets | 1.1503% | 2,878 |
| Return on Equity (ROE) | 5.1680% | 4,596 |
| Retained earnings to average equity (ytd only) | 5.1680% | 2,850 |
| Net charge-offs to loans | 0.1444% | 2,226 |
| Credit loss provision to net charge-offs | 186.0357% | 1,242 |
| Earnings coverage of net charge-offs (x) | 12.2133% | 2,082 |
| Efficiency ratio | 67.4923% | 4,110 |
| Assets per employee ($millions) | 7.5945% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6931% | 6,186 |
| Loan loss allowance to noncurrent loans | 78.9275% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 0.8332% | 3,479 |
| Noncurrent loans to loans | 0.8781% | 3,503 |
| Net loans and leases to total assets | 76.7076% | 1,086 |
| Net loans and leases to deposits | 88.3833% | 1,549 |
| Net loans and leases to core deposits | 94.6139% | 1,727 |
| Total domestic deposits to total assets | 86.7897% | 2,585 |
| Equity capital to assets | 12.7857% | 1,497 |
| Core capital (leverage) ratio | 10.8163% | 2,610 |
| Tier 1 risk-based capital ratio | 12.6937% | 5,090 |
| Total risk-based capital ratio | 13.3808% | 5,386 |
| Memoranda: | ||
| Average total assets | $2,353,038,330 | 315 |
| Average earning assets | $2,177,120,330 | 306 |
| Average equity | $309,015,000 | 283 |
| Average total loans | $1,784,840,670 | 284 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5373% | 1,685 |
| Cost of funding earning assets | 0.1461% | 6,371 |
| Net interest margin | 4.3913% | 820 |
| Noninterest income to average assets | 0.2222% | 5,580 |
| Noninterest expense to average assets | 3.1090% | 2,500 |
| Loan and lease loss provision to assets | 0.1301% | 1,868 |
| Net operating income to assets | 0.6124% | 4,142 |
| Return on assets (ROA) | 0.6124% | 4,219 |
| Pretax return on assets | 1.0367% | 3,183 |
| Return on Equity (ROE) | 4.5980% | 4,742 |
| Retained earnings to average equity (ytd only) | 4.5980% | 3,359 |
| Net charge-offs to loans | 0.2089% | 1,496 |
| Credit loss provision to net charge-offs | 82.9268% | 1,872 |
| Earnings coverage of net charge-offs (x) | 7.4357% | 2,120 |
| Efficiency ratio | 70.8316% | 3,679 |
| Assets per employee ($millions) | 6.9090% | 833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6763% | 6,309 |
| Loan loss allowance to noncurrent loans | 64.4864% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 0.9307% | 3,399 |
| Noncurrent loans to loans | 1.0488% | 3,325 |
| Net loans and leases to total assets | 74.9004% | 1,136 |
| Net loans and leases to deposits | 86.7670% | 1,498 |
| Net loans and leases to core deposits | 93.0788% | 1,631 |
| Total domestic deposits to total assets | 86.3236% | 3,195 |
| Equity capital to assets | 13.2193% | 1,203 |
| Core capital (leverage) ratio | 11.1032% | 2,298 |
| Tier 1 risk-based capital ratio | 13.1716% | 4,911 |
| Total risk-based capital ratio | 13.8313% | 5,204 |
| Memoranda: | ||
| Average total assets | $2,299,243,000 | 324 |
| Average earning assets | $2,122,488,000 | 314 |
| Average equity | $306,218,000 | 282 |
| Average total loans | $1,726,930,000 | 289 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5805% | 1,930 |
| Cost of funding earning assets | 0.1643% | 6,474 |
| Net interest margin | 4.4163% | 888 |
| Noninterest income to average assets | 0.2706% | 5,417 |
| Noninterest expense to average assets | 3.5816% | 1,481 |
| Loan and lease loss provision to assets | 0.1621% | 2,253 |
| Net operating income to assets | 0.3392% | 5,382 |
| Return on assets (ROA) | 0.3574% | 5,421 |
| Pretax return on assets | 0.6006% | 4,872 |
| Return on Equity (ROE) | 2.5921% | 5,652 |
| Retained earnings to average equity (ytd only) | 2.5921% | 4,409 |
| Net charge-offs to loans | 0.0364% | 4,719 |
| Credit loss provision to net charge-offs | 630.1426% | 374 |
| Earnings coverage of net charge-offs (x) | 28.5377% | 1,231 |
| Efficiency ratio | 81.3937% | 1,963 |
| Assets per employee ($millions) | 6.6754% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7554% | 6,255 |
| Loan loss allowance to noncurrent loans | 63.7242% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 1.0330% | 3,364 |
| Noncurrent loans to loans | 1.1855% | 3,173 |
| Net loans and leases to total assets | 74.9724% | 1,228 |
| Net loans and leases to deposits | 87.4289% | 1,529 |
| Net loans and leases to core deposits | 92.4956% | 1,735 |
| Total domestic deposits to total assets | 85.7523% | 3,392 |
| Equity capital to assets | 13.6174% | 1,028 |
| Core capital (leverage) ratio | 10.5517% | 2,848 |
| Tier 1 risk-based capital ratio | 12.9634% | 4,997 |
| Total risk-based capital ratio | 13.7012% | 5,264 |
| Memoranda: | ||
| Average total assets | $1,908,593,400 | 369 |
| Average earning assets | $1,748,219,000 | 361 |
| Average equity | $263,188,200 | 307 |
| Average total loans | $1,349,057,800 | 332 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5366% | 2,091 |
| Cost of funding earning assets | 0.1738% | 6,529 |
| Net interest margin | 4.3628% | 963 |
| Noninterest income to average assets | 0.2861% | 5,401 |
| Noninterest expense to average assets | 3.5138% | 1,587 |
| Loan and lease loss provision to assets | 0.2181% | 1,668 |
| Net operating income to assets | 0.3227% | 5,530 |
| Return on assets (ROA) | 0.3401% | 5,597 |
| Pretax return on assets | 0.5648% | 5,153 |
| Return on Equity (ROE) | 2.4581% | 5,805 |
| Retained earnings to average equity (ytd only) | 2.4581% | 4,859 |
| Net charge-offs to loans | -0.0048% | 5,778 |
| Credit loss provision to net charge-offs | -6,582.9787% | 6,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8066% | 1,997 |
| Assets per employee ($millions) | 5.7252% | 1,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8015% | 6,283 |
| Loan loss allowance to noncurrent loans | 64.3885% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 1.0463% | 3,562 |
| Noncurrent loans to loans | 1.2448% | 3,322 |
| Net loans and leases to total assets | 72.7610% | 1,490 |
| Net loans and leases to deposits | 84.5905% | 1,799 |
| Net loans and leases to core deposits | 88.8897% | 2,086 |
| Total domestic deposits to total assets | 86.0156% | 3,242 |
| Equity capital to assets | 13.2651% | 1,214 |
| Core capital (leverage) ratio | 10.9016% | 2,570 |
| Tier 1 risk-based capital ratio | 12.0716% | 5,738 |
| Total risk-based capital ratio | 12.8324% | 5,986 |
| Memoranda: | ||
| Average total assets | $1,891,758,750 | 372 |
| Average earning assets | $1,727,228,000 | 366 |
| Average equity | $261,717,500 | 307 |
| Average total loans | $1,313,152,500 | 342 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3513% | 2,757 |
| Cost of funding earning assets | 0.1660% | 6,641 |
| Net interest margin | 4.1853% | 1,313 |
| Noninterest income to average assets | 0.2519% | 5,645 |
| Noninterest expense to average assets | 3.4896% | 1,627 |
| Loan and lease loss provision to assets | 0.0100% | 4,668 |
| Net operating income to assets | 0.3318% | 5,482 |
| Return on assets (ROA) | 0.3673% | 5,514 |
| Pretax return on assets | 0.6118% | 4,980 |
| Return on Equity (ROE) | 2.5291% | 5,782 |
| Retained earnings to average equity (ytd only) | 2.5291% | 4,684 |
| Net charge-offs to loans | -0.0823% | 6,445 |
| Credit loss provision to net charge-offs | -17.8674% | 5,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4992% | 1,579 |
| Assets per employee ($millions) | 5.8405% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8487% | 6,254 |
| Loan loss allowance to noncurrent loans | 145.4755% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.4766% | 5,079 |
| Noncurrent loans to loans | 0.5834% | 4,798 |
| Net loans and leases to total assets | 71.4427% | 1,658 |
| Net loans and leases to deposits | 84.1927% | 1,775 |
| Net loans and leases to core deposits | 86.4206% | 2,297 |
| Total domestic deposits to total assets | 84.8561% | 3,961 |
| Equity capital to assets | 14.5495% | 815 |
| Core capital (leverage) ratio | 10.8413% | 2,511 |
| Tier 1 risk-based capital ratio | 13.5614% | 4,734 |
| Total risk-based capital ratio | 14.3580% | 5,006 |
| Memoranda: | ||
| Average total assets | $1,243,512,670 | 527 |
| Average earning assets | $1,130,244,000 | 526 |
| Average equity | $180,617,330 | 425 |
| Average total loans | $842,946,670 | 492 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2784% | 2,987 |
| Cost of funding earning assets | 0.1736% | 6,705 |
| Net interest margin | 4.1047% | 1,447 |
| Noninterest income to average assets | 0.2617% | 5,591 |
| Noninterest expense to average assets | 3.5614% | 1,493 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2798% | 5,632 |
| Return on assets (ROA) | 0.2837% | 5,737 |
| Pretax return on assets | 0.4629% | 5,384 |
| Return on Equity (ROE) | 2.0233% | 5,936 |
| Retained earnings to average equity (ytd only) | 2.0233% | 4,990 |
| Net charge-offs to loans | -0.0410% | 6,041 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5121% | 1,375 |
| Assets per employee ($millions) | 5.7146% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8732% | 6,318 |
| Loan loss allowance to noncurrent loans | 158.7178% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.3954% | 5,404 |
| Noncurrent loans to loans | 0.5501% | 5,061 |
| Net loans and leases to total assets | 71.2395% | 1,485 |
| Net loans and leases to deposits | 83.3239% | 1,661 |
| Net loans and leases to core deposits | 85.1746% | 2,194 |
| Total domestic deposits to total assets | 85.4971% | 3,798 |
| Equity capital to assets | 13.8166% | 1,084 |
| Core capital (leverage) ratio | 11.0071% | 2,256 |
| Tier 1 risk-based capital ratio | 13.8022% | 4,649 |
| Total risk-based capital ratio | 14.6571% | 4,888 |
| Memoranda: | ||
| Average total assets | $926,270,000 | 722 |
| Average earning assets | $847,709,500 | 715 |
| Average equity | $129,887,500 | 564 |
| Average total loans | $672,835,500 | 625 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6356% | 2,861 |
| Cost of funding earning assets | 0.2149% | 6,793 |
| Net interest margin | 4.4207% | 1,115 |
| Noninterest income to average assets | 0.3450% | 4,999 |
| Noninterest expense to average assets | 3.8498% | 1,167 |
| Loan and lease loss provision to assets | 0.1572% | 3,652 |
| Net operating income to assets | 0.7556% | 3,487 |
| Return on assets (ROA) | 0.9985% | 2,565 |
| Pretax return on assets | 0.6199% | 4,928 |
| Return on Equity (ROE) | 7.0368% | 3,624 |
| Retained earnings to average equity (ytd only) | 7.0368% | 1,552 |
| Net charge-offs to loans | 0.0236% | 5,571 |
| Credit loss provision to net charge-offs | 944.8276% | 268 |
| Earnings coverage of net charge-offs (x) | 32.1034% | 962 |
| Efficiency ratio | 86.7010% | 1,354 |
| Assets per employee ($millions) | 5.4469% | 1,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8754% | 6,331 |
| Loan loss allowance to noncurrent loans | 151.7778% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.4236% | 5,430 |
| Noncurrent loans to loans | 0.5768% | 5,084 |
| Net loans and leases to total assets | 72.7968% | 1,374 |
| Net loans and leases to deposits | 85.6586% | 1,554 |
| Net loans and leases to core deposits | 89.0473% | 1,961 |
| Total domestic deposits to total assets | 84.9849% | 3,870 |
| Equity capital to assets | 14.2363% | 961 |
| Core capital (leverage) ratio | 11.1032% | 2,164 |
| Tier 1 risk-based capital ratio | 13.7268% | 4,582 |
| Total risk-based capital ratio | 14.5771% | 4,825 |
| Memoranda: | ||
| Average total assets | $871,492,200 | 756 |
| Average earning assets | $796,232,800 | 750 |
| Average equity | $123,665,000 | 583 |
| Average total loans | $613,925,200 | 676 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6787% | 2,900 |
| Cost of funding earning assets | 0.2259% | 6,888 |
| Net interest margin | 4.4528% | 1,086 |
| Noninterest income to average assets | 0.3411% | 5,081 |
| Noninterest expense to average assets | 3.8907% | 1,070 |
| Loan and lease loss provision to assets | 0.1469% | 3,702 |
| Net operating income to assets | 0.3729% | 5,361 |
| Return on assets (ROA) | 0.5499% | 4,882 |
| Pretax return on assets | 0.5499% | 5,302 |
| Return on Equity (ROE) | 3.8786% | 5,338 |
| Retained earnings to average equity (ytd only) | 3.8786% | 4,160 |
| Net charge-offs to loans | 0.0269% | 5,289 |
| Credit loss provision to net charge-offs | 785.1240% | 359 |
| Earnings coverage of net charge-offs (x) | 27.7767% | 1,171 |
| Efficiency ratio | 87.0941% | 1,294 |
| Assets per employee ($millions) | 5.0651% | 2,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8527% | 6,498 |
| Loan loss allowance to noncurrent loans | 108.2390% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.5850% | 5,205 |
| Noncurrent loans to loans | 0.7878% | 4,827 |
| Net loans and leases to total assets | 73.6205% | 1,301 |
| Net loans and leases to deposits | 86.9395% | 1,492 |
| Net loans and leases to core deposits | 91.0469% | 1,868 |
| Total domestic deposits to total assets | 84.6801% | 3,902 |
| Equity capital to assets | 14.5136% | 965 |
| Core capital (leverage) ratio | 11.2421% | 2,180 |
| Tier 1 risk-based capital ratio | 13.7721% | 4,707 |
| Total risk-based capital ratio | 14.5939% | 4,954 |
| Memoranda: | ||
| Average total assets | $861,958,250 | 767 |
| Average earning assets | $787,774,250 | 759 |
| Average equity | $122,207,000 | 588 |
| Average total loans | $600,399,500 | 683 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7734% | 2,617 |
| Cost of funding earning assets | 0.2412% | 6,938 |
| Net interest margin | 4.5321% | 939 |
| Noninterest income to average assets | 0.3342% | 5,154 |
| Noninterest expense to average assets | 3.9123% | 1,059 |
| Loan and lease loss provision to assets | 0.1693% | 3,410 |
| Net operating income to assets | 0.3966% | 5,218 |
| Return on assets (ROA) | 0.5342% | 4,937 |
| Pretax return on assets | 0.5342% | 5,358 |
| Return on Equity (ROE) | 3.7976% | 5,361 |
| Retained earnings to average equity (ytd only) | 3.7976% | 4,088 |
| Net charge-offs to loans | 0.0266% | 5,008 |
| Credit loss provision to net charge-offs | 935.8974% | 351 |
| Earnings coverage of net charge-offs (x) | 31.2821% | 1,042 |
| Efficiency ratio | 86.2589% | 1,409 |
| Assets per employee ($millions) | 5.1294% | 1,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 6,483 |
| Loan loss allowance to noncurrent loans | 99.0424% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.6218% | 5,218 |
| Noncurrent loans to loans | 0.8994% | 4,697 |
| Net loans and leases to total assets | 68.5122% | 2,198 |
| Net loans and leases to deposits | 80.9138% | 2,243 |
| Net loans and leases to core deposits | 84.9381% | 2,573 |
| Total domestic deposits to total assets | 84.6730% | 4,016 |
| Equity capital to assets | 14.3475% | 958 |
| Core capital (leverage) ratio | 10.7385% | 2,554 |
| Tier 1 risk-based capital ratio | 14.3824% | 4,188 |
| Total risk-based capital ratio | 15.2276% | 4,434 |
| Memoranda: | ||
| Average total assets | $862,258,000 | 770 |
| Average earning assets | $788,413,330 | 761 |
| Average equity | $121,285,670 | 592 |
| Average total loans | $587,410,000 | 699 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8442% | 2,464 |
| Cost of funding earning assets | 0.2467% | 7,014 |
| Net interest margin | 4.5975% | 829 |
| Noninterest income to average assets | 0.3343% | 5,187 |
| Noninterest expense to average assets | 3.8244% | 1,175 |
| Loan and lease loss provision to assets | 0.2913% | 2,139 |
| Net operating income to assets | 0.4319% | 5,118 |
| Return on assets (ROA) | 0.5516% | 4,802 |
| Pretax return on assets | 0.5516% | 5,273 |
| Return on Equity (ROE) | 3.9609% | 5,310 |
| Retained earnings to average equity (ytd only) | 3.9609% | 4,207 |
| Net charge-offs to loans | 0.0130% | 4,517 |
| Credit loss provision to net charge-offs | 3,315.7895% | 81 |
| Earnings coverage of net charge-offs (x) | 82.3158% | 412 |
| Efficiency ratio | 83.0198% | 1,798 |
| Assets per employee ($millions) | 5.3049% | 1,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8747% | 6,597 |
| Loan loss allowance to noncurrent loans | 122.3755% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.4886% | 5,641 |
| Noncurrent loans to loans | 0.7148% | 5,234 |
| Net loans and leases to total assets | 67.7633% | 2,155 |
| Net loans and leases to deposits | 79.4833% | 2,276 |
| Net loans and leases to core deposits | 83.1289% | 2,665 |
| Total domestic deposits to total assets | 85.2548% | 3,905 |
| Equity capital to assets | 13.8619% | 1,069 |
| Core capital (leverage) ratio | 10.7700% | 2,474 |
| Tier 1 risk-based capital ratio | 14.0686% | 4,420 |
| Total risk-based capital ratio | 14.9038% | 4,699 |
| Memoranda: | ||
| Average total assets | $865,083,500 | 768 |
| Average earning assets | $792,775,000 | 760 |
| Average equity | $120,477,500 | 592 |
| Average total loans | $585,037,500 | 707 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8211% | 3,709 |
| Cost of funding earning assets | 0.5005% | 6,535 |
| Net interest margin | 4.3205% | 1,629 |
| Noninterest income to average assets | 0.5410% | 3,580 |
| Noninterest expense to average assets | 4.8166% | 451 |
| Loan and lease loss provision to assets | 0.7140% | 1,429 |
| Net operating income to assets | -0.8502% | 6,673 |
| Return on assets (ROA) | -0.7888% | 6,683 |
| Pretax return on assets | -0.9877% | 6,729 |
| Return on Equity (ROE) | -5.5956% | 6,561 |
| Retained earnings to average equity (ytd only) | -5.5956% | 6,487 |
| Net charge-offs to loans | 0.2897% | 3,962 |
| Credit loss provision to net charge-offs | 391.1980% | 598 |
| Earnings coverage of net charge-offs (x) | -1.9201% | 6,274 |
| Efficiency ratio | 106.8745% | 502 |
| Assets per employee ($millions) | 5.3428% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8086% | 6,715 |
| Loan loss allowance to noncurrent loans | 53.6000% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 1.0089% | 4,594 |
| Noncurrent loans to loans | 1.5087% | 3,886 |
| Net loans and leases to total assets | 66.3361% | 2,722 |
| Net loans and leases to deposits | 78.0397% | 2,835 |
| Net loans and leases to core deposits | 80.9951% | 3,318 |
| Total domestic deposits to total assets | 85.0030% | 3,844 |
| Equity capital to assets | 13.9931% | 1,068 |
| Core capital (leverage) ratio | 10.4280% | 2,815 |
| Tier 1 risk-based capital ratio | 13.9084% | 4,392 |
| Total risk-based capital ratio | 14.6504% | 4,738 |
| Memoranda: | ||
| Average total assets | $672,259,200 | 966 |
| Average earning assets | $610,734,400 | 964 |
| Average equity | $94,770,200 | 725 |
| Average total loans | $423,501,400 | 989 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7488% | 4,229 |
| Cost of funding earning assets | 0.5652% | 6,449 |
| Net interest margin | 4.1836% | 2,165 |
| Noninterest income to average assets | 0.6096% | 3,105 |
| Noninterest expense to average assets | 4.6871% | 484 |
| Loan and lease loss provision to assets | 0.6034% | 1,630 |
| Net operating income to assets | -0.8918% | 6,837 |
| Return on assets (ROA) | -0.8605% | 6,863 |
| Pretax return on assets | -0.8605% | 6,813 |
| Return on Equity (ROE) | -6.0885% | 6,723 |
| Retained earnings to average equity (ytd only) | -6.0885% | 6,649 |
| Net charge-offs to loans | 0.2667% | 3,773 |
| Credit loss provision to net charge-offs | 366.8823% | 777 |
| Earnings coverage of net charge-offs (x) | -1.7529% | 6,001 |
| Efficiency ratio | 105.7466% | 507 |
| Assets per employee ($millions) | 5.2972% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6062% | 7,074 |
| Loan loss allowance to noncurrent loans | 29.4234% | 6,283 |
| Noncurrent assets plus other real estate owned to assets | 1.2867% | 4,238 |
| Noncurrent loans to loans | 2.0603% | 3,289 |
| Net loans and leases to total assets | 58.3970% | 4,439 |
| Net loans and leases to deposits | 68.4106% | 4,541 |
| Net loans and leases to core deposits | 71.1428% | 4,824 |
| Total domestic deposits to total assets | 85.3625% | 3,577 |
| Equity capital to assets | 13.8260% | 1,236 |
| Core capital (leverage) ratio | 10.8872% | 2,486 |
| Tier 1 risk-based capital ratio | 15.2423% | 3,525 |
| Total risk-based capital ratio | 15.7875% | 3,927 |
| Memoranda: | ||
| Average total assets | $626,611,250 | 1,043 |
| Average earning assets | $567,541,750 | 1,051 |
| Average equity | $88,557,750 | 764 |
| Average total loans | $386,452,250 | 1,115 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2225% | 2,177 |
| Cost of funding earning assets | 0.6404% | 6,272 |
| Net interest margin | 4.5821% | 943 |
| Noninterest income to average assets | 0.5550% | 3,434 |
| Noninterest expense to average assets | 5.3454% | 291 |
| Loan and lease loss provision to assets | 0.8344% | 1,088 |
| Net operating income to assets | -1.4746% | 7,088 |
| Return on assets (ROA) | -1.4787% | 7,100 |
| Pretax return on assets | -1.4787% | 7,058 |
| Return on Equity (ROE) | -10.3425% | 6,953 |
| Retained earnings to average equity (ytd only) | -10.3425% | 6,896 |
| Net charge-offs to loans | 0.4121% | 2,904 |
| Credit loss provision to net charge-offs | 320.1693% | 950 |
| Earnings coverage of net charge-offs (x) | -2.4570% | 5,732 |
| Efficiency ratio | 112.7412% | 430 |
| Assets per employee ($millions) | 4.6724% | 2,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7139% | 7,001 |
| Loan loss allowance to noncurrent loans | 42.6425% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 1.1910% | 4,510 |
| Noncurrent loans to loans | 1.6742% | 3,916 |
| Net loans and leases to total assets | 63.6993% | 3,532 |
| Net loans and leases to deposits | 74.3985% | 3,731 |
| Net loans and leases to core deposits | 76.8120% | 4,210 |
| Total domestic deposits to total assets | 85.6191% | 3,547 |
| Equity capital to assets | 13.5524% | 1,264 |
| Core capital (leverage) ratio | 11.0535% | 2,201 |
| Tier 1 risk-based capital ratio | 14.0346% | 4,151 |
| Total risk-based capital ratio | 14.6675% | 4,582 |
| Memoranda: | ||
| Average total assets | $544,134,330 | 1,233 |
| Average earning assets | $492,832,670 | 1,240 |
| Average equity | $77,795,330 | 874 |
| Average total loans | $344,094,000 | 1,260 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4816% | 1,347 |
| Cost of funding earning assets | 0.6388% | 6,433 |
| Net interest margin | 4.8429% | 522 |
| Noninterest income to average assets | 0.6506% | 2,843 |
| Noninterest expense to average assets | 5.8330% | 209 |
| Loan and lease loss provision to assets | 0.9112% | 878 |
| Net operating income to assets | -1.7546% | 7,245 |
| Return on assets (ROA) | -1.8894% | 7,266 |
| Pretax return on assets | -1.8894% | 7,237 |
| Return on Equity (ROE) | -12.8557% | 7,095 |
| Retained earnings to average equity (ytd only) | -12.8557% | 6,969 |
| Net charge-offs to loans | 0.3349% | 2,718 |
| Credit loss provision to net charge-offs | 433.6918% | 800 |
| Earnings coverage of net charge-offs (x) | -4.0143% | 5,009 |
| Efficiency ratio | 116.0580% | 396 |
| Assets per employee ($millions) | 4.8775% | 2,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5840% | 7,220 |
| Loan loss allowance to noncurrent loans | 27.2827% | 6,454 |
| Noncurrent assets plus other real estate owned to assets | 1.4334% | 4,120 |
| Noncurrent loans to loans | 2.1405% | 3,393 |
| Net loans and leases to total assets | 59.0954% | 4,445 |
| Net loans and leases to deposits | 68.9999% | 4,528 |
| Net loans and leases to core deposits | 71.8954% | 4,805 |
| Total domestic deposits to total assets | 85.6456% | 3,713 |
| Equity capital to assets | 13.4793% | 1,193 |
| Core capital (leverage) ratio | 11.2716% | 1,984 |
| Tier 1 risk-based capital ratio | 14.7440% | 3,582 |
| Total risk-based capital ratio | 15.2452% | 4,053 |
| Memoranda: | ||
| Average total assets | $531,185,000 | 1,274 |
| Average earning assets | $475,917,500 | 1,297 |
| Average equity | $78,066,500 | 857 |
| Average total loans | $333,282,000 | 1,315 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3192% | 7,591 |
| Cost of funding earning assets | 0.1148% | 7,580 |
| Net interest margin | 1.2044% | 7,570 |
| Noninterest income to average assets | 3.8218% | 172 |
| Noninterest expense to average assets | 6.0669% | 226 |
| Loan and lease loss provision to assets | 0.7118% | 2,302 |
| Net operating income to assets | -1.8757% | 7,020 |
| Return on assets (ROA) | -1.8296% | 7,028 |
| Pretax return on assets | -1.8296% | 6,974 |
| Return on Equity (ROE) | -5.6866% | 6,478 |
| Retained earnings to average equity (ytd only) | -5.6866% | 6,354 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.6278% | 371 |
| Assets per employee ($millions) | 4.2388% | 3,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3208% | 7,475 |
| Loan loss allowance to noncurrent loans | 18.6667% | 6,860 |
| Noncurrent assets plus other real estate owned to assets | 1.3138% | 4,395 |
| Noncurrent loans to loans | 1.7184% | 3,925 |
| Net loans and leases to total assets | 66.3602% | 3,391 |
| Net loans and leases to deposits | 80.0535% | 3,167 |
| Net loans and leases to core deposits | 83.7740% | 3,630 |
| Total domestic deposits to total assets | 82.8949% | 4,841 |
| Equity capital to assets | 16.1096% | 565 |
| Core capital (leverage) ratio | 41.5913% | 54 |
| Tier 1 risk-based capital ratio | 15.9131% | 2,789 |
| Total risk-based capital ratio | 16.1957% | 3,235 |
| Memoranda: | ||
| Average total assets | $147,521,000 | 3,919 |
| Average earning assets | $132,432,000 | 3,965 |
| Average equity | $47,462,200 | 1,409 |
| Average total loans | $77,826,000 | 4,396 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1734% | 7,720 |
| Cost of funding earning assets | 0.0630% | 7,711 |
| Net interest margin | 1.1104% | 7,699 |
| Noninterest income to average assets | 0.4706% | 4,409 |
| Noninterest expense to average assets | 9.0938% | 92 |
| Loan and lease loss provision to assets | 0.4945% | 2,995 |
| Net operating income to assets | -8.0853% | 7,728 |
| Return on assets (ROA) | -8.0333% | 7,729 |
| Pretax return on assets | -8.0333% | 7,730 |
| Return on Equity (ROE) | -12.4947% | 7,031 |
| Retained earnings to average equity (ytd only) | -12.4947% | 6,994 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 604.4733% | 11 |
| Assets per employee ($millions) | 1.8743% | 7,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9860% | 6,458 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 23.0483% | 7,578 |
| Net loans and leases to deposits | 87.1963% | 2,127 |
| Net loans and leases to core deposits | 115.5547% | 765 |
| Total domestic deposits to total assets | 26.4327% | 7,703 |
| Equity capital to assets | 71.9919% | 40 |
| Core capital (leverage) ratio | 74.5615% | 32 |
| Tier 1 risk-based capital ratio | 193.4796% | 41 |
| Total risk-based capital ratio | 194.1226% | 41 |
| Memoranda: | ||
| Average total assets | $61,476,000 | 6,208 |
| Average earning assets | $57,155,250 | 6,159 |
| Average equity | $39,525,000 | 1,684 |
| Average total loans | $15,446,500 | 7,239 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1280% | 7,829 |
| Cost of funding earning assets | 0.0221% | 7,801 |
| Net interest margin | 0.1059% | 7,820 |
| Noninterest income to average assets | 0.1924% | 6,519 |
| Noninterest expense to average assets | 2.3662% | 6,167 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -2.0755% | 7,328 |
| Return on assets (ROA) | -2.0755% | 7,334 |
| Pretax return on assets | -2.0755% | 7,260 |
| Return on Equity (ROE) | -3.5134% | 6,569 |
| Retained earnings to average equity (ytd only) | -3.5134% | 6,372 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 814.0845% | 7 |
| Assets per employee ($millions) | 2.4406% | 7,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 13.2943% | 7,739 |
| Net loans and leases to deposits | 66.0232% | 5,799 |
| Net loans and leases to core deposits | 68.5408% | 6,014 |
| Total domestic deposits to total assets | 20.1357% | 7,781 |
| Equity capital to assets | 78.2915% | 32 |
| Core capital (leverage) ratio | 82.0087% | 23 |
| Tier 1 risk-based capital ratio | 388.8907% | 16 |
| Total risk-based capital ratio | 388.8907% | 16 |
| Memoranda: | ||
| Average total assets | $48,855,000 | 6,702 |
| Average earning assets | $45,326,000 | 6,655 |
| Average equity | $28,861,330 | 2,271 |
| Average total loans | $12,887,330 | 7,406 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8530% | 5,675 |
| Cost of funding earning assets | 1.0208% | 6,278 |
| Net interest margin | 3.8322% | 3,660 |
| Noninterest income to average assets | 0.2180% | 6,399 |
| Noninterest expense to average assets | 13.0165% | 58 |
| Loan and lease loss provision to assets | 0.2024% | 4,478 |
| Net operating income to assets | -9.4354% | 7,892 |
| Return on assets (ROA) | -8.7036% | 7,877 |
| Pretax return on assets | -8.7036% | 7,869 |
| Return on Equity (ROE) | -37.0720% | 7,635 |
| Retained earnings to average equity (ytd only) | -37.0720% | 7,617 |
| Net charge-offs to loans | 5.3214% | 220 |
| Credit loss provision to net charge-offs | 7.5145% | 5,078 |
| Earnings coverage of net charge-offs (x) | -3.4277% | 5,508 |
| Efficiency ratio | 344.0329% | 33 |
| Assets per employee ($millions) | 1.9220% | 7,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1020% | 1,951 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 1.1006% | 4,950 |
| Noncurrent loans to loans | 2.1020% | 3,655 |
| Net loans and leases to total assets | 51.2607% | 6,347 |
| Net loans and leases to deposits | 73.3226% | 4,852 |
| Net loans and leases to core deposits | 73.3226% | 5,573 |
| Total domestic deposits to total assets | 69.9112% | 7,414 |
| Equity capital to assets | 22.9729% | 183 |
| Core capital (leverage) ratio | 21.1582% | 207 |
| Tier 1 risk-based capital ratio | 31.2479% | 463 |
| Total risk-based capital ratio | 32.5003% | 455 |
| Memoranda: | ||
| Average total assets | $25,690,500 | 7,574 |
| Average earning assets | $23,902,500 | 7,534 |
| Average equity | $6,031,500 | 6,509 |
| Average total loans | $13,004,000 | 7,495 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1859% | 5,714 |
| Cost of funding earning assets | 1.4952% | 5,532 |
| Net interest margin | 3.6907% | 4,185 |
| Noninterest income to average assets | 0.1737% | 6,834 |
| Noninterest expense to average assets | 12.9554% | 73 |
| Loan and lease loss provision to assets | 2.2367% | 927 |
| Net operating income to assets | -11.6351% | 7,986 |
| Return on assets (ROA) | -11.4831% | 7,986 |
| Pretax return on assets | -11.4787% | 7,982 |
| Return on Equity (ROE) | -35.1671% | 7,494 |
| Retained earnings to average equity (ytd only) | -35.1671% | 7,482 |
| Net charge-offs to loans | 1.7886% | 1,399 |
| Credit loss provision to net charge-offs | 257.5000% | 1,362 |
| Earnings coverage of net charge-offs (x) | -10.8150% | 7,166 |
| Efficiency ratio | 363.7805% | 51 |
| Assets per employee ($millions) | 2.0304% | 7,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3656% | 592 |
| Loan loss allowance to noncurrent loans | 72.7425% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 2.2656% | 3,048 |
| Noncurrent loans to loans | 4.6267% | 1,524 |
| Net loans and leases to total assets | 47.3196% | 6,869 |
| Net loans and leases to deposits | 62.4344% | 6,419 |
| Net loans and leases to core deposits | 71.1519% | 6,701 |
| Total domestic deposits to total assets | 75.7909% | 6,721 |
| Equity capital to assets | 23.9553% | 187 |
| Core capital (leverage) ratio | 22.7421% | 197 |
| Tier 1 risk-based capital ratio | 33.6097% | 390 |
| Total risk-based capital ratio | 34.8754% | 376 |
| Memoranda: | ||
| Average total assets | $23,025,200 | 7,699 |
| Average earning assets | $21,134,400 | 7,676 |
| Average equity | $7,518,400 | 6,079 |
| Average total loans | $11,181,800 | 7,649 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1935% | 5,903 |
| Cost of funding earning assets | 1.4970% | 5,834 |
| Net interest margin | 3.6965% | 4,088 |
| Noninterest income to average assets | 0.1503% | 7,108 |
| Noninterest expense to average assets | 13.3254% | 73 |
| Loan and lease loss provision to assets | 2.9151% | 519 |
| Net operating income to assets | -12.7123% | 8,063 |
| Return on assets (ROA) | -12.5019% | 8,061 |
| Pretax return on assets | -12.4959% | 8,061 |
| Return on Equity (ROE) | -35.4762% | 7,708 |
| Retained earnings to average equity (ytd only) | -35.4762% | 7,699 |
| Net charge-offs to loans | 2.4815% | 736 |
| Credit loss provision to net charge-offs | 242.5000% | 1,798 |
| Earnings coverage of net charge-offs (x) | -8.1450% | 6,893 |
| Efficiency ratio | 377.0408% | 46 |
| Assets per employee ($millions) | 2.1023% | 7,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0353% | 652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 47.3399% | 7,009 |
| Net loans and leases to deposits | 63.5430% | 6,538 |
| Net loans and leases to core deposits | 71.2877% | 6,889 |
| Total domestic deposits to total assets | 74.5005% | 6,865 |
| Equity capital to assets | 25.1226% | 172 |
| Core capital (leverage) ratio | 25.3001% | 165 |
| Tier 1 risk-based capital ratio | 36.2695% | 353 |
| Total risk-based capital ratio | 37.5301% | 343 |
| Memoranda: | ||
| Average total assets | $22,182,750 | 7,796 |
| Average earning assets | $20,307,000 | 7,774 |
| Average equity | $7,817,250 | 6,041 |
| Average total loans | $10,746,000 | 7,742 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2388% | 5,921 |
| Cost of funding earning assets | 1.4444% | 6,334 |
| Net interest margin | 3.7943% | 3,573 |
| Noninterest income to average assets | 0.1270% | 7,340 |
| Noninterest expense to average assets | 14.4916% | 69 |
| Loan and lease loss provision to assets | 1.3681% | 1,265 |
| Net operating income to assets | -12.3027% | 8,152 |
| Return on assets (ROA) | -11.9607% | 8,144 |
| Pretax return on assets | -11.9509% | 8,137 |
| Return on Equity (ROE) | -30.0947% | 7,706 |
| Retained earnings to average equity (ytd only) | -30.0947% | 7,683 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 406.3014% | 55 |
| Assets per employee ($millions) | 1.9229% | 7,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0980% | 1,399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 48.5359% | 6,990 |
| Net loans and leases to deposits | 70.1654% | 5,976 |
| Net loans and leases to core deposits | 80.5484% | 6,357 |
| Total domestic deposits to total assets | 69.1735% | 7,537 |
| Equity capital to assets | 29.9464% | 136 |
| Core capital (leverage) ratio | 31.5731% | 128 |
| Tier 1 risk-based capital ratio | 44.9751% | 221 |
| Total risk-based capital ratio | 46.2298% | 222 |
| Memoranda: | ||
| Average total assets | $20,467,000 | 7,910 |
| Average earning assets | $18,554,000 | 7,896 |
| Average equity | $8,134,330 | 5,974 |
| Average total loans | $9,880,330 | 7,867 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4168% | 5,331 |
| Cost of funding earning assets | 1.2745% | 7,102 |
| Net interest margin | 4.1423% | 2,117 |
| Noninterest income to average assets | 0.0879% | 7,616 |
| Noninterest expense to average assets | 16.6360% | 63 |
| Loan and lease loss provision to assets | 2.1976% | 535 |
| Net operating income to assets | -15.0317% | 8,209 |
| Return on assets (ROA) | -14.2626% | 8,197 |
| Pretax return on assets | -14.2626% | 8,195 |
| Return on Equity (ROE) | -30.6910% | 7,912 |
| Retained earnings to average equity (ytd only) | -30.6910% | 7,865 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 437.5723% | 48 |
| Assets per employee ($millions) | 1.3758% | 8,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3003% | 947 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 48.5125% | 6,984 |
| Net loans and leases to deposits | 85.3333% | 3,749 |
| Net loans and leases to core deposits | 95.7181% | 5,001 |
| Total domestic deposits to total assets | 56.8506% | 8,031 |
| Equity capital to assets | 42.3498% | 87 |
| Core capital (leverage) ratio | 43.6405% | 87 |
| Tier 1 risk-based capital ratio | 62.8700% | 134 |
| Total risk-based capital ratio | 64.1285% | 133 |
| Memoranda: | ||
| Average total assets | $18,201,500 | 8,032 |
| Average earning assets | $16,319,500 | 8,019 |
| Average equity | $8,458,500 | 5,897 |
| Average total loans | $8,624,000 | 7,971 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9854% | 7,846 |
| Cost of funding earning assets | 0.8506% | 8,107 |
| Net interest margin | 4.1348% | 2,560 |
| Noninterest income to average assets | 0.0755% | 7,763 |
| Noninterest expense to average assets | 18.0336% | 57 |
| Loan and lease loss provision to assets | 0.7686% | 1,939 |
| Net operating income to assets | -15.1309% | 8,286 |
| Return on assets (ROA) | -14.4928% | 8,284 |
| Pretax return on assets | -14.4859% | 8,281 |
| Return on Equity (ROE) | -22.0819% | 7,802 |
| Retained earnings to average equity (ytd only) | -22.0819% | 7,735 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 490.2985% | 51 |
| Assets per employee ($millions) | 1.3186% | 8,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5617% | 2,388 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 44.1255% | 7,458 |
| Net loans and leases to deposits | 94.4555% | 2,694 |
| Net loans and leases to core deposits | 102.6741% | 4,533 |
| Total domestic deposits to total assets | 46.7157% | 8,148 |
| Equity capital to assets | 51.1026% | 76 |
| Core capital (leverage) ratio | 51.4678% | 75 |
| Tier 1 risk-based capital ratio | 77.4843% | 104 |
| Total risk-based capital ratio | 78.7095% | 103 |
| Memoranda: | ||
| Average total assets | $14,572,800 | 8,176 |
| Average earning assets | $12,697,000 | 8,173 |
| Average equity | $9,564,400 | 5,548 |
| Average total loans | $3,553,600 | 8,207 |