Home > Home Bank of Arkansas > Performance and Condition Ratios
Home Bank of Arkansas, Performance and Condition Ratios
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0239% | 206 |
| Cost of funding earning assets | 0.5254% | 658 |
| Net interest margin | 4.4985% | 238 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 4.3028% | 273 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2996% | 4,381 |
| Return on assets (ROA) | 0.2996% | 4,338 |
| Pretax return on assets | 0.2919% | 4,381 |
| Return on Equity (ROE) | 2.8400% | 4,317 |
| Retained earnings to average equity (ytd only) | 2.8447% | 3,812 |
| Net charge-offs to loans | 0.0467% | 1,017 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,043 |
| Efficiency ratio | 93.6462% | 238 |
| Assets per employee ($millions) | 2.4153% | 4,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 1,311 |
| Loan loss allowance to noncurrent loans | 105.7910% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 1.0857% | 404 |
| Noncurrent loans to loans | 1.4113% | 507 |
| Net loans and leases to total assets | 75.7800% | 926 |
| Net loans and leases to deposits | 87.0169% | 1,103 |
| Net loans and leases to core deposits | 100.1662% | 802 |
| Total domestic deposits to total assets | 87.0800% | 2,737 |
| Equity capital to assets | 11.4381% | 1,026 |
| Core capital (leverage) ratio | 11.3219% | 1,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $69,874,500 | 4,263 |
| Average earning assets | $64,197,750 | 4,245 |
| Average equity | $7,358,500 | 4,212 |
| Average total loans | $51,439,250 | 3,891 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8773% | 201 |
| Cost of funding earning assets | 0.5230% | 454 |
| Net interest margin | 4.3543% | 249 |
| Noninterest income to average assets | 0.5096% | 2,146 |
| Noninterest expense to average assets | 4.2952% | 236 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2352% | 4,380 |
| Return on assets (ROA) | 0.2352% | 4,340 |
| Pretax return on assets | 0.2240% | 4,383 |
| Return on Equity (ROE) | 2.2935% | 4,323 |
| Retained earnings to average equity (ytd only) | 2.2935% | 3,671 |
| Net charge-offs to loans | 0.0578% | 819 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 5.3333% | 1,930 |
| Efficiency ratio | 95.0434% | 262 |
| Assets per employee ($millions) | 2.8951% | 4,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4900% | 1,441 |
| Loan loss allowance to noncurrent loans | 139.7770% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 1.0477% | 437 |
| Noncurrent loans to loans | 1.0660% | 773 |
| Net loans and leases to total assets | 71.5542% | 1,157 |
| Net loans and leases to deposits | 80.4902% | 1,348 |
| Net loans and leases to core deposits | 91.2877% | 1,050 |
| Total domestic deposits to total assets | 88.8980% | 2,231 |
| Equity capital to assets | 10.6285% | 1,379 |
| Core capital (leverage) ratio | 10.4448% | 1,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,428,667 | 4,298 |
| Average earning assets | $65,774,333 | 4,287 |
| Average equity | $7,325,000 | 4,273 |
| Average total loans | $51,864,000 | 3,930 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5750% | 272 |
| Cost of funding earning assets | 0.5547% | 359 |
| Net interest margin | 4.0203% | 401 |
| Noninterest income to average assets | 0.4088% | 2,629 |
| Noninterest expense to average assets | 4.2209% | 236 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0663% | 4,580 |
| Return on assets (ROA) | -0.0663% | 4,562 |
| Pretax return on assets | -0.0884% | 4,565 |
| Return on Equity (ROE) | -0.6580% | 4,571 |
| Retained earnings to average equity (ytd only) | -0.6580% | 4,103 |
| Net charge-offs to loans | 0.1142% | 477 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | -1.0667% | 1,795 |
| Efficiency ratio | 102.1390% | 212 |
| Assets per employee ($millions) | 2.6316% | 4,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 1,686 |
| Loan loss allowance to noncurrent loans | 100.8043% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 1.2301% | 354 |
| Noncurrent loans to loans | 1.4472% | 578 |
| Net loans and leases to total assets | 71.4889% | 876 |
| Net loans and leases to deposits | 80.0665% | 1,144 |
| Net loans and leases to core deposits | 90.9620% | 881 |
| Total domestic deposits to total assets | 89.2869% | 1,934 |
| Equity capital to assets | 10.2585% | 1,717 |
| Core capital (leverage) ratio | 10.0318% | 2,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,401,500 | 4,314 |
| Average earning assets | $67,060,500 | 4,304 |
| Average equity | $7,295,000 | 4,333 |
| Average total loans | $52,561,000 | 3,933 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2340% | 185 |
| Cost of funding earning assets | 0.8272% | 177 |
| Net interest margin | 4.4068% | 328 |
| Noninterest income to average assets | 0.5324% | 2,427 |
| Noninterest expense to average assets | 4.6801% | 199 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.0674% | 4,698 |
| Return on assets (ROA) | -0.0674% | 4,705 |
| Pretax return on assets | -0.0903% | 4,707 |
| Return on Equity (ROE) | -0.6711% | 4,711 |
| Retained earnings to average equity (ytd only) | -0.6711% | 4,562 |
| Net charge-offs to loans | 0.2039% | 467 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | -0.6321% | 2,657 |
| Efficiency ratio | 101.9677% | 132 |
| Assets per employee ($millions) | 2.9500% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 1,794 |
| Loan loss allowance to noncurrent loans | 142.7509% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.9031% | 649 |
| Noncurrent loans to loans | 1.0042% | 982 |
| Net loans and leases to total assets | 71.6027% | 873 |
| Net loans and leases to deposits | 79.8557% | 1,232 |
| Net loans and leases to core deposits | 91.4423% | 910 |
| Total domestic deposits to total assets | 89.6651% | 1,130 |
| Equity capital to assets | 9.8997% | 2,752 |
| Core capital (leverage) ratio | 9.9023% | 2,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,186,400 | 4,287 |
| Average earning assets | $68,303,200 | 4,287 |
| Average equity | $7,450,800 | 4,384 |
| Average total loans | $51,991,400 | 3,962 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3620% | 183 |
| Cost of funding earning assets | 0.8927% | 158 |
| Net interest margin | 4.4693% | 332 |
| Noninterest income to average assets | 0.3230% | 3,494 |
| Noninterest expense to average assets | 3.7633% | 352 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4863% | 4,231 |
| Return on assets (ROA) | 0.4863% | 4,278 |
| Pretax return on assets | 0.6568% | 4,146 |
| Return on Equity (ROE) | 4.8252% | 4,155 |
| Retained earnings to average equity (ytd only) | 4.8252% | 3,283 |
| Net charge-offs to loans | -0.1550% | 4,732 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1401% | 469 |
| Assets per employee ($millions) | 3.1935% | 4,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6752% | 1,159 |
| Loan loss allowance to noncurrent loans | 169.6364% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.9803% | 685 |
| Noncurrent loans to loans | 0.9875% | 1,165 |
| Net loans and leases to total assets | 74.5555% | 646 |
| Net loans and leases to deposits | 83.9313% | 967 |
| Net loans and leases to core deposits | 96.2949% | 736 |
| Total domestic deposits to total assets | 88.8291% | 1,383 |
| Equity capital to assets | 10.5106% | 2,453 |
| Core capital (leverage) ratio | 10.3946% | 2,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,295,500 | 4,341 |
| Average earning assets | $68,107,750 | 4,343 |
| Average equity | $7,488,250 | 4,442 |
| Average total loans | $51,595,500 | 4,017 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0524% | 318 |
| Cost of funding earning assets | 0.9647% | 127 |
| Net interest margin | 4.0876% | 709 |
| Noninterest income to average assets | 0.3165% | 3,533 |
| Noninterest expense to average assets | 3.6445% | 389 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3030% | 4,519 |
| Return on assets (ROA) | 0.3030% | 4,543 |
| Pretax return on assets | 0.4103% | 4,493 |
| Return on Equity (ROE) | 3.0495% | 4,466 |
| Retained earnings to average equity (ytd only) | 3.0495% | 3,822 |
| Net charge-offs to loans | -0.2986% | 4,842 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8810% | 351 |
| Assets per employee ($millions) | 2.7846% | 4,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8497% | 814 |
| Loan loss allowance to noncurrent loans | 162.0513% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 1.0973% | 680 |
| Noncurrent loans to loans | 1.1414% | 1,060 |
| Net loans and leases to total assets | 66.9065% | 1,598 |
| Net loans and leases to deposits | 74.9415% | 1,916 |
| Net loans and leases to core deposits | 86.7772% | 1,363 |
| Total domestic deposits to total assets | 89.2783% | 1,152 |
| Equity capital to assets | 10.0580% | 2,802 |
| Core capital (leverage) ratio | 9.9046% | 2,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,577,333 | 4,363 |
| Average earning assets | $68,205,667 | 4,365 |
| Average equity | $7,411,000 | 4,475 |
| Average total loans | $50,229,333 | 4,081 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6097% | 651 |
| Cost of funding earning assets | 1.0303% | 116 |
| Net interest margin | 3.5794% | 1,637 |
| Noninterest income to average assets | 0.1993% | 4,191 |
| Noninterest expense to average assets | 3.4575% | 499 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0108% | 4,770 |
| Return on assets (ROA) | 0.0108% | 4,781 |
| Pretax return on assets | 0.0162% | 4,778 |
| Return on Equity (ROE) | 0.1091% | 4,779 |
| Retained earnings to average equity (ytd only) | 0.1091% | 4,355 |
| Net charge-offs to loans | -0.6436% | 4,900 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5349% | 196 |
| Assets per employee ($millions) | 2.8534% | 4,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9069% | 734 |
| Loan loss allowance to noncurrent loans | 71.4393% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 2.0704% | 238 |
| Noncurrent loans to loans | 2.6693% | 328 |
| Net loans and leases to total assets | 66.0785% | 1,794 |
| Net loans and leases to deposits | 73.8654% | 2,132 |
| Net loans and leases to core deposits | 84.2537% | 1,657 |
| Total domestic deposits to total assets | 89.4580% | 1,091 |
| Equity capital to assets | 10.0433% | 2,670 |
| Core capital (leverage) ratio | 10.0118% | 2,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,274,000 | 4,386 |
| Average earning assets | $67,943,500 | 4,385 |
| Average equity | $7,335,500 | 4,499 |
| Average total loans | $49,718,500 | 4,109 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0979% | 412 |
| Cost of funding earning assets | 1.3266% | 164 |
| Net interest margin | 3.7713% | 1,584 |
| Noninterest income to average assets | -0.1951% | 4,988 |
| Noninterest expense to average assets | 3.6901% | 532 |
| Loan and lease loss provision to assets | 0.1521% | 2,475 |
| Net operating income to assets | -0.6011% | 4,895 |
| Return on assets (ROA) | -0.6011% | 4,897 |
| Pretax return on assets | -0.5868% | 4,889 |
| Return on Equity (ROE) | -5.7884% | 4,904 |
| Retained earnings to average equity (ytd only) | -5.7884% | 4,852 |
| Net charge-offs to loans | 0.0583% | 1,946 |
| Credit loss provision to net charge-offs | 353.3333% | 1,574 |
| Earnings coverage of net charge-offs (x) | -10.1000% | 3,404 |
| Efficiency ratio | 113.3539% | 105 |
| Assets per employee ($millions) | 2.8600% | 4,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0127% | 571 |
| Loan loss allowance to noncurrent loans | 67.5237% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 2.2580% | 227 |
| Noncurrent loans to loans | 2.9807% | 285 |
| Net loans and leases to total assets | 65.3425% | 2,178 |
| Net loans and leases to deposits | 72.6897% | 2,619 |
| Net loans and leases to core deposits | 82.4728% | 2,157 |
| Total domestic deposits to total assets | 89.8923% | 608 |
| Equity capital to assets | 9.7097% | 3,393 |
| Core capital (leverage) ratio | 9.7213% | 2,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,700,400 | 4,391 |
| Average earning assets | $63,771,200 | 4,391 |
| Average equity | $7,238,600 | 4,500 |
| Average total loans | $51,479,800 | 4,086 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3600% | 305 |
| Cost of funding earning assets | 1.3640% | 184 |
| Net interest margin | 3.9960% | 1,125 |
| Noninterest income to average assets | -0.3366% | 5,021 |
| Noninterest expense to average assets | 3.7177% | 513 |
| Loan and lease loss provision to assets | 0.1576% | 2,437 |
| Net operating income to assets | -0.4183% | 4,887 |
| Return on assets (ROA) | -0.4183% | 4,893 |
| Pretax return on assets | -0.5642% | 4,904 |
| Return on Equity (ROE) | -3.9576% | 4,902 |
| Retained earnings to average equity (ytd only) | -3.9576% | 4,816 |
| Net charge-offs to loans | 0.0770% | 1,541 |
| Credit loss provision to net charge-offs | 270.0000% | 1,857 |
| Earnings coverage of net charge-offs (x) | -6.9667% | 3,194 |
| Efficiency ratio | 112.2797% | 104 |
| Assets per employee ($millions) | 2.8375% | 4,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8992% | 586 |
| Loan loss allowance to noncurrent loans | 141.0145% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 1.2077% | 824 |
| Noncurrent loans to loans | 1.3468% | 1,093 |
| Net loans and leases to total assets | 68.1256% | 2,228 |
| Net loans and leases to deposits | 75.7826% | 2,770 |
| Net loans and leases to core deposits | 87.2840% | 2,207 |
| Total domestic deposits to total assets | 89.8962% | 460 |
| Equity capital to assets | 9.6945% | 3,519 |
| Core capital (leverage) ratio | 10.0541% | 2,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3823% | 1,700 |
| Memoranda: | ||
| Average total assets | $68,535,750 | 4,418 |
| Average earning assets | $62,561,000 | 4,420 |
| Average equity | $7,243,250 | 4,521 |
| Average total loans | $51,953,250 | 4,097 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4273% | 381 |
| Cost of funding earning assets | 1.4078% | 220 |
| Net interest margin | 4.0195% | 1,272 |
| Noninterest income to average assets | -0.6318% | 5,053 |
| Noninterest expense to average assets | 3.8539% | 476 |
| Loan and lease loss provision to assets | 0.1677% | 2,330 |
| Net operating income to assets | -0.7366% | 4,939 |
| Return on assets (ROA) | -0.7366% | 4,936 |
| Pretax return on assets | -0.9942% | 4,945 |
| Return on Equity (ROE) | -6.7641% | 4,949 |
| Retained earnings to average equity (ytd only) | -6.7641% | 4,840 |
| Net charge-offs to loans | 0.0958% | 1,307 |
| Credit loss provision to net charge-offs | 224.0000% | 1,825 |
| Earnings coverage of net charge-offs (x) | -11.0400% | 2,985 |
| Efficiency ratio | 127.2997% | 73 |
| Assets per employee ($millions) | 2.6047% | 4,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8014% | 650 |
| Loan loss allowance to noncurrent loans | 137.9161% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 1.3186% | 783 |
| Noncurrent loans to loans | 1.3062% | 1,184 |
| Net loans and leases to total assets | 76.7081% | 1,041 |
| Net loans and leases to deposits | 86.0396% | 1,759 |
| Net loans and leases to core deposits | 98.8864% | 1,341 |
| Total domestic deposits to total assets | 89.1543% | 687 |
| Equity capital to assets | 10.5149% | 2,735 |
| Core capital (leverage) ratio | 10.8031% | 2,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4123% | 1,660 |
| Memoranda: | ||
| Average total assets | $66,789,667 | 4,449 |
| Average earning assets | $60,803,667 | 4,456 |
| Average equity | $7,273,667 | 4,544 |
| Average total loans | $52,193,667 | 4,100 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6070% | 292 |
| Cost of funding earning assets | 1.5063% | 264 |
| Net interest margin | 4.1008% | 1,134 |
| Noninterest income to average assets | 0.2111% | 4,283 |
| Noninterest expense to average assets | 4.0408% | 489 |
| Loan and lease loss provision to assets | 0.1508% | 1,889 |
| Net operating income to assets | -0.1870% | 4,846 |
| Return on assets (ROA) | -0.1870% | 4,819 |
| Pretax return on assets | -0.2533% | 4,833 |
| Return on Equity (ROE) | -1.6871% | 4,828 |
| Retained earnings to average equity (ytd only) | -1.6871% | 4,218 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6034% | 208 |
| Assets per employee ($millions) | 2.2351% | 5,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8789% | 632 |
| Loan loss allowance to noncurrent loans | 108.9758% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 2.0858% | 380 |
| Noncurrent loans to loans | 1.7242% | 876 |
| Net loans and leases to total assets | 76.2955% | 1,251 |
| Net loans and leases to deposits | 86.3795% | 1,950 |
| Net loans and leases to core deposits | 95.3698% | 1,854 |
| Total domestic deposits to total assets | 88.3260% | 967 |
| Equity capital to assets | 11.3177% | 2,578 |
| Core capital (leverage) ratio | 10.9144% | 2,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,323,000 | 4,463 |
| Average earning assets | $60,281,500 | 4,476 |
| Average equity | $7,350,000 | 4,569 |
| Average total loans | $51,839,500 | 4,118 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8136% | 317 |
| Cost of funding earning assets | 1.5754% | 322 |
| Net interest margin | 4.2381% | 1,235 |
| Noninterest income to average assets | -1.2301% | 5,172 |
| Noninterest expense to average assets | 3.9203% | 586 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -1.3723% | 5,113 |
| Return on assets (ROA) | -1.3723% | 5,115 |
| Pretax return on assets | -1.3123% | 5,112 |
| Return on Equity (ROE) | -12.5271% | 5,136 |
| Retained earnings to average equity (ytd only) | -12.5271% | 5,093 |
| Net charge-offs to loans | 0.0195% | 3,033 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | -85.5455% | 3,715 |
| Efficiency ratio | 150.3209% | 43 |
| Assets per employee ($millions) | 2.1880% | 5,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7305% | 747 |
| Loan loss allowance to noncurrent loans | 126.4746% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 1.7869% | 492 |
| Noncurrent loans to loans | 1.3683% | 1,087 |
| Net loans and leases to total assets | 77.1905% | 1,229 |
| Net loans and leases to deposits | 86.9340% | 1,979 |
| Net loans and leases to core deposits | 95.9376% | 1,909 |
| Total domestic deposits to total assets | 88.7921% | 754 |
| Equity capital to assets | 10.8570% | 3,130 |
| Core capital (leverage) ratio | 10.5363% | 2,917 |
| Tier 1 risk-based capital ratio | 14.6917% | 2,913 |
| Total risk-based capital ratio | 15.9521% | 2,824 |
| Memoranda: | ||
| Average total assets | $71,703,600 | 4,402 |
| Average earning assets | $64,934,200 | 4,422 |
| Average equity | $7,855,000 | 4,524 |
| Average total loans | $56,295,400 | 4,049 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8308% | 332 |
| Cost of funding earning assets | 1.5681% | 331 |
| Net interest margin | 4.2627% | 1,244 |
| Noninterest income to average assets | -1.6218% | 5,253 |
| Noninterest expense to average assets | 3.9023% | 594 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -1.1889% | 5,187 |
| Return on assets (ROA) | -1.1889% | 5,190 |
| Pretax return on assets | -1.6640% | 5,198 |
| Return on Equity (ROE) | -10.8299% | 5,201 |
| Retained earnings to average equity (ytd only) | -10.8299% | 5,151 |
| Net charge-offs to loans | 0.0257% | 2,583 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | -82.4335% | 3,447 |
| Efficiency ratio | 174.3443% | 30 |
| Assets per employee ($millions) | 2.3690% | 5,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6713% | 865 |
| Loan loss allowance to noncurrent loans | 113.8272% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 1.7715% | 563 |
| Noncurrent loans to loans | 1.4682% | 1,036 |
| Net loans and leases to total assets | 76.3286% | 1,428 |
| Net loans and leases to deposits | 85.8581% | 2,210 |
| Net loans and leases to core deposits | 97.5051% | 1,856 |
| Total domestic deposits to total assets | 88.9009% | 652 |
| Equity capital to assets | 10.8317% | 3,266 |
| Core capital (leverage) ratio | 10.6695% | 2,958 |
| Tier 1 risk-based capital ratio | 14.7963% | 2,958 |
| Total risk-based capital ratio | 16.0522% | 2,877 |
| Memoranda: | ||
| Average total assets | $72,672,750 | 4,444 |
| Average earning assets | $65,809,500 | 4,462 |
| Average equity | $7,977,750 | 4,561 |
| Average total loans | $57,049,750 | 4,077 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7874% | 344 |
| Cost of funding earning assets | 1.5393% | 330 |
| Net interest margin | 4.2481% | 1,244 |
| Noninterest income to average assets | -2.5790% | 5,300 |
| Noninterest expense to average assets | 3.9504% | 571 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -1.9370% | 5,258 |
| Return on assets (ROA) | -1.9370% | 5,258 |
| Pretax return on assets | -2.6992% | 5,267 |
| Return on Equity (ROE) | -17.5691% | 5,274 |
| Retained earnings to average equity (ytd only) | -17.5691% | 5,242 |
| Net charge-offs to loans | 0.0035% | 3,038 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | -988.0000% | 3,170 |
| Efficiency ratio | 315.7205% | 8 |
| Assets per employee ($millions) | 2.5112% | 5,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5803% | 1,073 |
| Loan loss allowance to noncurrent loans | 171.0092% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 1.3073% | 967 |
| Noncurrent loans to loans | 0.9241% | 1,770 |
| Net loans and leases to total assets | 79.7072% | 933 |
| Net loans and leases to deposits | 89.4819% | 1,803 |
| Net loans and leases to core deposits | 101.2613% | 1,614 |
| Total domestic deposits to total assets | 89.0764% | 635 |
| Equity capital to assets | 10.4828% | 3,531 |
| Core capital (leverage) ratio | 10.3616% | 3,233 |
| Tier 1 risk-based capital ratio | 14.0924% | 3,267 |
| Total risk-based capital ratio | 15.3482% | 3,184 |
| Memoranda: | ||
| Average total assets | $73,207,330 | 4,471 |
| Average earning assets | $66,006,000 | 4,497 |
| Average equity | $8,071,000 | 4,570 |
| Average total loans | $57,677,000 | 4,095 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6713% | 379 |
| Cost of funding earning assets | 1.4864% | 341 |
| Net interest margin | 4.1850% | 1,332 |
| Noninterest income to average assets | 0.2234% | 4,405 |
| Noninterest expense to average assets | 4.4905% | 290 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.3815% | 5,239 |
| Return on assets (ROA) | -0.3815% | 5,235 |
| Pretax return on assets | -0.5232% | 5,244 |
| Return on Equity (ROE) | -3.3778% | 5,244 |
| Retained earnings to average equity (ytd only) | -3.3778% | 4,834 |
| Net charge-offs to loans | 0.0140% | 2,206 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | -48.0000% | 2,730 |
| Efficiency ratio | 113.1868% | 93 |
| Assets per employee ($millions) | 2.8174% | 5,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6288% | 1,010 |
| Loan loss allowance to noncurrent loans | 221.3777% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 2.2716% | 379 |
| Noncurrent loans to loans | 0.7358% | 2,185 |
| Net loans and leases to total assets | 73.9940% | 1,805 |
| Net loans and leases to deposits | 83.3476% | 2,463 |
| Net loans and leases to core deposits | 92.4436% | 2,262 |
| Total domestic deposits to total assets | 88.7776% | 966 |
| Equity capital to assets | 10.8596% | 2,988 |
| Core capital (leverage) ratio | 11.2046% | 2,389 |
| Tier 1 risk-based capital ratio | 15.4057% | 2,698 |
| Total risk-based capital ratio | 16.6614% | 2,609 |
| Memoranda: | ||
| Average total assets | $73,399,000 | 4,517 |
| Average earning assets | $65,663,500 | 4,549 |
| Average equity | $8,289,500 | 4,574 |
| Average total loans | $57,026,500 | 4,146 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5800% | 344 |
| Cost of funding earning assets | 1.0361% | 650 |
| Net interest margin | 4.5439% | 703 |
| Noninterest income to average assets | 0.4227% | 3,291 |
| Noninterest expense to average assets | 4.2834% | 370 |
| Loan and lease loss provision to assets | 0.0549% | 3,073 |
| Net operating income to assets | 0.1263% | 5,164 |
| Return on assets (ROA) | 0.1263% | 5,159 |
| Pretax return on assets | 0.1290% | 5,160 |
| Return on Equity (ROE) | 1.1148% | 5,149 |
| Retained earnings to average equity (ytd only) | 1.1148% | 4,674 |
| Net charge-offs to loans | 0.2371% | 822 |
| Credit loss provision to net charge-offs | 28.7770% | 3,352 |
| Earnings coverage of net charge-offs (x) | 0.9640% | 3,664 |
| Efficiency ratio | 95.8833% | 214 |
| Assets per employee ($millions) | 2.4389% | 5,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6399% | 943 |
| Loan loss allowance to noncurrent loans | 181.6764% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 3.1261% | 187 |
| Noncurrent loans to loans | 0.9026% | 1,776 |
| Net loans and leases to total assets | 79.0377% | 1,090 |
| Net loans and leases to deposits | 90.0830% | 1,788 |
| Net loans and leases to core deposits | 99.8803% | 1,726 |
| Total domestic deposits to total assets | 87.7388% | 1,421 |
| Equity capital to assets | 11.7607% | 2,058 |
| Core capital (leverage) ratio | 11.8436% | 1,836 |
| Tier 1 risk-based capital ratio | 15.7303% | 2,519 |
| Total risk-based capital ratio | 16.9865% | 2,439 |
| Memoranda: | ||
| Average total assets | $72,862,800 | 4,538 |
| Average earning assets | $64,856,400 | 4,577 |
| Average equity | $8,252,400 | 4,568 |
| Average total loans | $58,616,400 | 4,127 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5264% | 342 |
| Cost of funding earning assets | 0.9639% | 703 |
| Net interest margin | 4.5625% | 645 |
| Noninterest income to average assets | 0.2925% | 4,194 |
| Noninterest expense to average assets | 4.2489% | 373 |
| Loan and lease loss provision to assets | 0.0727% | 2,504 |
| Net operating income to assets | 0.0309% | 5,286 |
| Return on assets (ROA) | 0.0309% | 5,284 |
| Pretax return on assets | 0.0381% | 5,279 |
| Return on Equity (ROE) | 0.2753% | 5,282 |
| Retained earnings to average equity (ytd only) | 0.2753% | 4,988 |
| Net charge-offs to loans | 0.0023% | 3,407 |
| Credit loss provision to net charge-offs | 4,000.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 61.1504% | 1,051 |
| Efficiency ratio | 97.4583% | 181 |
| Assets per employee ($millions) | 2.1462% | 5,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8548% | 651 |
| Loan loss allowance to noncurrent loans | 173.4198% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 4.1383% | 117 |
| Noncurrent loans to loans | 1.0695% | 1,594 |
| Net loans and leases to total assets | 79.9396% | 1,029 |
| Net loans and leases to deposits | 90.8504% | 1,784 |
| Net loans and leases to core deposits | 101.9960% | 1,614 |
| Total domestic deposits to total assets | 87.9903% | 1,242 |
| Equity capital to assets | 11.6229% | 2,161 |
| Core capital (leverage) ratio | 11.8201% | 1,905 |
| Tier 1 risk-based capital ratio | 15.3836% | 2,704 |
| Total risk-based capital ratio | 16.6437% | 2,625 |
| Memoranda: | ||
| Average total assets | $73,396,750 | 4,582 |
| Average earning assets | $65,430,250 | 4,617 |
| Average equity | $8,236,000 | 4,618 |
| Average total loans | $59,062,250 | 4,161 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4688% | 335 |
| Cost of funding earning assets | 0.9200% | 674 |
| Net interest margin | 4.5488% | 626 |
| Noninterest income to average assets | 0.2613% | 4,440 |
| Noninterest expense to average assets | 4.2234% | 401 |
| Loan and lease loss provision to assets | 0.0808% | 2,297 |
| Net operating income to assets | 0.0135% | 5,334 |
| Return on assets (ROA) | 0.0135% | 5,328 |
| Pretax return on assets | 0.0189% | 5,329 |
| Return on Equity (ROE) | 0.1214% | 5,328 |
| Retained earnings to average equity (ytd only) | 0.1214% | 4,936 |
| Net charge-offs to loans | 0.0034% | 3,059 |
| Credit loss provision to net charge-offs | 3,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,348 |
| Efficiency ratio | 97.6947% | 196 |
| Assets per employee ($millions) | 2.2442% | 5,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8430% | 696 |
| Loan loss allowance to noncurrent loans | 117.2376% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 4.4825% | 113 |
| Noncurrent loans to loans | 1.5720% | 1,039 |
| Net loans and leases to total assets | 78.6891% | 1,208 |
| Net loans and leases to deposits | 89.2252% | 1,945 |
| Net loans and leases to core deposits | 100.9756% | 1,652 |
| Total domestic deposits to total assets | 88.1916% | 1,278 |
| Equity capital to assets | 11.4422% | 2,239 |
| Core capital (leverage) ratio | 11.2097% | 2,339 |
| Tier 1 risk-based capital ratio | 15.2605% | 2,752 |
| Total risk-based capital ratio | 16.4718% | 2,698 |
| Memoranda: | ||
| Average total assets | $74,253,670 | 4,622 |
| Average earning assets | $66,303,000 | 4,652 |
| Average equity | $8,237,330 | 4,656 |
| Average total loans | $59,520,330 | 4,173 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4268% | 319 |
| Cost of funding earning assets | 0.8946% | 610 |
| Net interest margin | 4.5322% | 581 |
| Noninterest income to average assets | 0.3763% | 3,618 |
| Noninterest expense to average assets | 3.9007% | 587 |
| Loan and lease loss provision to assets | 0.0795% | 2,189 |
| Net operating income to assets | 0.3233% | 5,061 |
| Return on assets (ROA) | 0.3233% | 5,066 |
| Pretax return on assets | 0.4505% | 4,957 |
| Return on Equity (ROE) | 2.9585% | 5,025 |
| Retained earnings to average equity (ytd only) | 2.9585% | 4,014 |
| Net charge-offs to loans | 0.0066% | 2,496 |
| Credit loss provision to net charge-offs | 1,500.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 100.0000% | 610 |
| Efficiency ratio | 88.0383% | 540 |
| Assets per employee ($millions) | 2.1547% | 5,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7349% | 889 |
| Loan loss allowance to noncurrent loans | 117.0022% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 4.2537% | 135 |
| Noncurrent loans to loans | 1.4828% | 1,190 |
| Net loans and leases to total assets | 78.5603% | 1,151 |
| Net loans and leases to deposits | 88.6135% | 1,853 |
| Net loans and leases to core deposits | 95.2662% | 2,036 |
| Total domestic deposits to total assets | 88.6549% | 1,282 |
| Equity capital to assets | 10.9698% | 2,618 |
| Core capital (leverage) ratio | 10.9251% | 2,515 |
| Tier 1 risk-based capital ratio | 14.6815% | 3,038 |
| Total risk-based capital ratio | 15.9291% | 2,947 |
| Memoranda: | ||
| Average total assets | $75,474,000 | 4,653 |
| Average earning assets | $67,517,000 | 4,684 |
| Average equity | $8,247,500 | 4,706 |
| Average total loans | $60,495,500 | 4,187 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1546% | 484 |
| Cost of funding earning assets | 0.8459% | 491 |
| Net interest margin | 4.3087% | 950 |
| Noninterest income to average assets | 0.2658% | 4,537 |
| Noninterest expense to average assets | 3.6810% | 816 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0429% | 5,312 |
| Return on assets (ROA) | -0.0376% | 5,391 |
| Pretax return on assets | 0.3293% | 5,180 |
| Return on Equity (ROE) | -0.3481% | 5,394 |
| Retained earnings to average equity (ytd only) | -0.3481% | 5,097 |
| Net charge-offs to loans | 0.0121% | 3,659 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 50.1429% | 1,083 |
| Efficiency ratio | 88.9969% | 476 |
| Assets per employee ($millions) | 2.4365% | 5,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7002% | 949 |
| Loan loss allowance to noncurrent loans | 110.2564% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 4.3121% | 128 |
| Noncurrent loans to loans | 1.5421% | 1,096 |
| Net loans and leases to total assets | 78.9943% | 1,120 |
| Net loans and leases to deposits | 88.9900% | 1,895 |
| Net loans and leases to core deposits | 95.9631% | 2,023 |
| Total domestic deposits to total assets | 88.7677% | 1,110 |
| Equity capital to assets | 10.8855% | 2,746 |
| Core capital (leverage) ratio | 10.7514% | 2,591 |
| Tier 1 risk-based capital ratio | 14.6983% | 2,992 |
| Total risk-based capital ratio | 15.9548% | 2,920 |
| Memoranda: | ||
| Average total assets | $77,124,800 | 4,643 |
| Average earning assets | $69,278,200 | 4,675 |
| Average equity | $8,331,600 | 4,730 |
| Average total loans | $57,949,200 | 4,244 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0819% | 518 |
| Cost of funding earning assets | 0.8202% | 512 |
| Net interest margin | 4.2617% | 1,021 |
| Noninterest income to average assets | 0.2408% | 4,761 |
| Noninterest expense to average assets | 3.6221% | 842 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2907% | 5,229 |
| Return on assets (ROA) | 0.2907% | 5,254 |
| Pretax return on assets | 0.4523% | 5,110 |
| Return on Equity (ROE) | 2.6957% | 5,179 |
| Retained earnings to average equity (ytd only) | 2.6957% | 4,283 |
| Net charge-offs to loans | 0.0093% | 3,395 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 65.7899% | 939 |
| Efficiency ratio | 88.8983% | 453 |
| Assets per employee ($millions) | 2.3317% | 5,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7520% | 937 |
| Loan loss allowance to noncurrent loans | 187.5000% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 4.4930% | 135 |
| Noncurrent loans to loans | 0.9344% | 2,053 |
| Net loans and leases to total assets | 73.2095% | 2,058 |
| Net loans and leases to deposits | 82.2676% | 2,750 |
| Net loans and leases to core deposits | 88.6633% | 2,715 |
| Total domestic deposits to total assets | 88.9894% | 897 |
| Equity capital to assets | 10.6839% | 3,179 |
| Core capital (leverage) ratio | 10.6393% | 2,837 |
| Tier 1 risk-based capital ratio | 14.9812% | 2,927 |
| Total risk-based capital ratio | 16.2374% | 2,851 |
| Memoranda: | ||
| Average total assets | $77,523,000 | 4,681 |
| Average earning assets | $69,736,250 | 4,721 |
| Average equity | $8,359,000 | 4,774 |
| Average total loans | $57,262,000 | 4,303 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9952% | 565 |
| Cost of funding earning assets | 0.7647% | 635 |
| Net interest margin | 4.2305% | 1,012 |
| Noninterest income to average assets | 0.0962% | 5,535 |
| Noninterest expense to average assets | 3.6783% | 796 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1534% | 5,446 |
| Return on assets (ROA) | 0.1534% | 5,448 |
| Pretax return on assets | 0.2288% | 5,407 |
| Return on Equity (ROE) | 1.4179% | 5,424 |
| Retained earnings to average equity (ytd only) | 1.4179% | 4,683 |
| Net charge-offs to loans | 0.0071% | 3,207 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 1,180 |
| Efficiency ratio | 94.1450% | 306 |
| Assets per employee ($millions) | 2.4141% | 5,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7463% | 984 |
| Loan loss allowance to noncurrent loans | 184.5196% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 4.5704% | 129 |
| Noncurrent loans to loans | 0.9464% | 2,068 |
| Net loans and leases to total assets | 73.2376% | 1,998 |
| Net loans and leases to deposits | 82.0706% | 2,690 |
| Net loans and leases to core deposits | 87.6023% | 2,741 |
| Total domestic deposits to total assets | 89.2373% | 835 |
| Equity capital to assets | 10.5154% | 3,320 |
| Core capital (leverage) ratio | 10.8252% | 2,579 |
| Tier 1 risk-based capital ratio | 15.6524% | 2,644 |
| Total risk-based capital ratio | 16.9098% | 2,574 |
| Memoranda: | ||
| Average total assets | $76,938,000 | 4,726 |
| Average earning assets | $69,306,330 | 4,760 |
| Average equity | $8,322,000 | 4,796 |
| Average total loans | $56,658,000 | 4,341 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9988% | 529 |
| Cost of funding earning assets | 0.7234% | 748 |
| Net interest margin | 4.2754% | 835 |
| Noninterest income to average assets | 0.2752% | 4,577 |
| Noninterest expense to average assets | 3.6150% | 883 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3123% | 5,162 |
| Return on assets (ROA) | 0.3123% | 5,188 |
| Pretax return on assets | 0.5081% | 4,953 |
| Return on Equity (ROE) | 2.8453% | 5,137 |
| Retained earnings to average equity (ytd only) | 2.8453% | 3,990 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6765% | 684 |
| Assets per employee ($millions) | 2.5447% | 5,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8723% | 833 |
| Loan loss allowance to noncurrent loans | 134.4114% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 4.5715% | 140 |
| Noncurrent loans to loans | 1.3930% | 1,451 |
| Net loans and leases to total assets | 71.3277% | 2,164 |
| Net loans and leases to deposits | 80.3699% | 2,703 |
| Net loans and leases to core deposits | 84.5097% | 2,855 |
| Total domestic deposits to total assets | 88.7493% | 1,289 |
| Equity capital to assets | 10.9298% | 2,712 |
| Core capital (leverage) ratio | 10.9773% | 2,376 |
| Tier 1 risk-based capital ratio | 16.0621% | 2,524 |
| Total risk-based capital ratio | 17.3208% | 2,472 |
| Memoranda: | ||
| Average total assets | $75,575,000 | 4,802 |
| Average earning assets | $68,016,500 | 4,832 |
| Average equity | $8,294,500 | 4,843 |
| Average total loans | $55,296,500 | 4,416 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1465% | 456 |
| Cost of funding earning assets | 0.6194% | 1,215 |
| Net interest margin | 4.5271% | 589 |
| Noninterest income to average assets | 0.3046% | 4,564 |
| Noninterest expense to average assets | 3.7671% | 809 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4061% | 4,917 |
| Return on assets (ROA) | 0.4061% | 5,004 |
| Pretax return on assets | 0.6430% | 4,667 |
| Return on Equity (ROE) | 3.7065% | 4,931 |
| Retained earnings to average equity (ytd only) | 3.7065% | 3,276 |
| Net charge-offs to loans | 0.1619% | 1,669 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 5.3371% | 3,355 |
| Efficiency ratio | 85.4205% | 866 |
| Assets per employee ($millions) | 2.6722% | 5,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8856% | 830 |
| Loan loss allowance to noncurrent loans | 127.1726% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 4.6951% | 142 |
| Noncurrent loans to loans | 1.4827% | 1,364 |
| Net loans and leases to total assets | 72.2541% | 2,131 |
| Net loans and leases to deposits | 81.4739% | 2,728 |
| Net loans and leases to core deposits | 85.5872% | 2,879 |
| Total domestic deposits to total assets | 88.6838% | 1,276 |
| Equity capital to assets | 10.9045% | 2,708 |
| Core capital (leverage) ratio | 11.1629% | 2,199 |
| Tier 1 risk-based capital ratio | 15.9329% | 2,575 |
| Total risk-based capital ratio | 17.1919% | 2,506 |
| Memoranda: | ||
| Average total assets | $73,877,000 | 4,851 |
| Average earning assets | $66,996,600 | 4,868 |
| Average equity | $8,093,800 | 4,921 |
| Average total loans | $54,968,600 | 4,433 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1439% | 461 |
| Cost of funding earning assets | 0.6061% | 1,278 |
| Net interest margin | 4.5378% | 574 |
| Noninterest income to average assets | 0.3114% | 4,542 |
| Noninterest expense to average assets | 3.7732% | 771 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4074% | 4,994 |
| Return on assets (ROA) | 0.4074% | 5,088 |
| Pretax return on assets | 0.6590% | 4,717 |
| Return on Equity (ROE) | 3.7139% | 5,024 |
| Retained earnings to average equity (ytd only) | 3.7139% | 3,665 |
| Net charge-offs to loans | 0.2112% | 1,102 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 4.1838% | 3,306 |
| Efficiency ratio | 85.1307% | 890 |
| Assets per employee ($millions) | 2.2601% | 5,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8984% | 855 |
| Loan loss allowance to noncurrent loans | 88.1456% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 5.2805% | 131 |
| Noncurrent loans to loans | 2.1537% | 877 |
| Net loans and leases to total assets | 74.3830% | 1,808 |
| Net loans and leases to deposits | 84.2036% | 2,461 |
| Net loans and leases to core deposits | 88.6027% | 2,701 |
| Total domestic deposits to total assets | 88.3370% | 1,219 |
| Equity capital to assets | 11.3242% | 2,682 |
| Core capital (leverage) ratio | 11.3835% | 2,123 |
| Tier 1 risk-based capital ratio | 16.4407% | 2,441 |
| Total risk-based capital ratio | 17.7019% | 2,388 |
| Memoranda: | ||
| Average total assets | $73,640,750 | 4,893 |
| Average earning assets | $66,873,500 | 4,914 |
| Average equity | $8,077,500 | 4,969 |
| Average total loans | $54,935,500 | 4,469 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1251% | 473 |
| Cost of funding earning assets | 0.6028% | 1,292 |
| Net interest margin | 4.5223% | 590 |
| Noninterest income to average assets | 0.3051% | 4,604 |
| Noninterest expense to average assets | 3.6771% | 908 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4590% | 4,839 |
| Return on assets (ROA) | 0.4590% | 4,927 |
| Pretax return on assets | 0.7397% | 4,496 |
| Return on Equity (ROE) | 4.2289% | 4,829 |
| Retained earnings to average equity (ytd only) | 4.2289% | 3,222 |
| Net charge-offs to loans | 0.3165% | 748 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 3.1494% | 3,160 |
| Efficiency ratio | 83.2518% | 1,119 |
| Assets per employee ($millions) | 2.2548% | 5,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8834% | 923 |
| Loan loss allowance to noncurrent loans | 155.8383% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 4.5750% | 171 |
| Noncurrent loans to loans | 1.2085% | 1,907 |
| Net loans and leases to total assets | 75.1625% | 1,620 |
| Net loans and leases to deposits | 84.9206% | 2,359 |
| Net loans and leases to core deposits | 88.5739% | 2,674 |
| Total domestic deposits to total assets | 88.5091% | 1,160 |
| Equity capital to assets | 11.2816% | 2,765 |
| Core capital (leverage) ratio | 11.0466% | 2,389 |
| Tier 1 risk-based capital ratio | 16.1472% | 2,571 |
| Total risk-based capital ratio | 17.4070% | 2,514 |
| Memoranda: | ||
| Average total assets | $74,080,000 | 4,929 |
| Average earning assets | $67,355,000 | 4,951 |
| Average equity | $8,040,000 | 5,013 |
| Average total loans | $54,968,330 | 4,505 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1727% | 437 |
| Cost of funding earning assets | 0.5858% | 1,441 |
| Net interest margin | 4.5869% | 513 |
| Noninterest income to average assets | 0.1652% | 5,501 |
| Noninterest expense to average assets | 3.4433% | 1,291 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5543% | 4,395 |
| Return on assets (ROA) | 0.5543% | 4,498 |
| Pretax return on assets | 0.8955% | 3,858 |
| Return on Equity (ROE) | 5.2065% | 4,390 |
| Retained earnings to average equity (ytd only) | 5.2065% | 2,813 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3612% | 1,688 |
| Assets per employee ($millions) | 2.4322% | 5,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0601% | 739 |
| Loan loss allowance to noncurrent loans | 175.7009% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 4.3768% | 209 |
| Noncurrent loans to loans | 1.1725% | 2,069 |
| Net loans and leases to total assets | 71.1239% | 2,171 |
| Net loans and leases to deposits | 79.9088% | 2,801 |
| Net loans and leases to core deposits | 82.2926% | 3,106 |
| Total domestic deposits to total assets | 89.0063% | 1,097 |
| Equity capital to assets | 10.6753% | 3,285 |
| Core capital (leverage) ratio | 10.6435% | 2,805 |
| Tier 1 risk-based capital ratio | 16.1392% | 2,614 |
| Total risk-based capital ratio | 17.4007% | 2,561 |
| Memoranda: | ||
| Average total assets | $75,043,500 | 4,958 |
| Average earning assets | $68,281,500 | 4,973 |
| Average equity | $7,990,000 | 5,056 |
| Average total loans | $54,816,000 | 4,527 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1832% | 441 |
| Cost of funding earning assets | 0.5381% | 1,857 |
| Net interest margin | 4.6452% | 501 |
| Noninterest income to average assets | 0.2617% | 5,016 |
| Noninterest expense to average assets | 3.3992% | 1,489 |
| Loan and lease loss provision to assets | 0.0243% | 3,901 |
| Net operating income to assets | 0.6313% | 4,132 |
| Return on assets (ROA) | 0.6313% | 4,227 |
| Pretax return on assets | 1.0306% | 3,348 |
| Return on Equity (ROE) | 6.0669% | 4,006 |
| Retained earnings to average equity (ytd only) | 6.0669% | 1,759 |
| Net charge-offs to loans | 0.1123% | 2,253 |
| Credit loss provision to net charge-offs | 29.5082% | 3,662 |
| Earnings coverage of net charge-offs (x) | 12.8197% | 2,422 |
| Efficiency ratio | 76.3174% | 2,217 |
| Assets per employee ($millions) | 2.5755% | 5,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0555% | 734 |
| Loan loss allowance to noncurrent loans | 141.1765% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 4.4799% | 215 |
| Noncurrent loans to loans | 1.4560% | 1,604 |
| Net loans and leases to total assets | 71.9651% | 2,056 |
| Net loans and leases to deposits | 80.7312% | 2,738 |
| Net loans and leases to core deposits | 83.5613% | 3,001 |
| Total domestic deposits to total assets | 89.1416% | 1,049 |
| Equity capital to assets | 10.6187% | 3,219 |
| Core capital (leverage) ratio | 10.8095% | 2,592 |
| Tier 1 risk-based capital ratio | 15.9304% | 2,720 |
| Total risk-based capital ratio | 17.1937% | 2,651 |
| Memoranda: | ||
| Average total assets | $74,134,800 | 4,988 |
| Average earning assets | $66,908,200 | 5,021 |
| Average equity | $7,714,000 | 5,109 |
| Average total loans | $54,332,000 | 4,548 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1744% | 457 |
| Cost of funding earning assets | 0.5364% | 1,917 |
| Net interest margin | 4.6379% | 505 |
| Noninterest income to average assets | 0.2559% | 5,111 |
| Noninterest expense to average assets | 3.3857% | 1,498 |
| Loan and lease loss provision to assets | 0.0324% | 3,587 |
| Net operating income to assets | 0.6270% | 4,255 |
| Return on assets (ROA) | 0.6270% | 4,366 |
| Pretax return on assets | 1.0126% | 3,567 |
| Return on Equity (ROE) | 6.0575% | 4,126 |
| Retained earnings to average equity (ytd only) | 6.0575% | 2,207 |
| Net charge-offs to loans | 0.0861% | 2,318 |
| Credit loss provision to net charge-offs | 51.4286% | 3,020 |
| Earnings coverage of net charge-offs (x) | 16.5697% | 2,107 |
| Efficiency ratio | 76.4132% | 2,177 |
| Assets per employee ($millions) | 2.5839% | 5,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0834% | 801 |
| Loan loss allowance to noncurrent loans | 125.9825% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 4.9993% | 199 |
| Noncurrent loans to loans | 1.6537% | 1,482 |
| Net loans and leases to total assets | 74.9648% | 1,552 |
| Net loans and leases to deposits | 84.3932% | 2,358 |
| Net loans and leases to core deposits | 87.4438% | 2,711 |
| Total domestic deposits to total assets | 88.8279% | 1,115 |
| Equity capital to assets | 10.8404% | 3,202 |
| Core capital (leverage) ratio | 10.5073% | 3,040 |
| Tier 1 risk-based capital ratio | 15.1372% | 3,224 |
| Total risk-based capital ratio | 16.4003% | 3,152 |
| Memoranda: | ||
| Average total assets | $73,996,250 | 5,047 |
| Average earning assets | $66,608,500 | 5,086 |
| Average equity | $7,659,750 | 5,187 |
| Average total loans | $54,195,500 | 4,597 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2462% | 396 |
| Cost of funding earning assets | 0.5365% | 1,929 |
| Net interest margin | 4.7097% | 437 |
| Noninterest income to average assets | 0.1798% | 5,620 |
| Noninterest expense to average assets | 3.3376% | 1,605 |
| Loan and lease loss provision to assets | 0.0483% | 3,154 |
| Net operating income to assets | 0.6412% | 4,165 |
| Return on assets (ROA) | 0.6412% | 4,274 |
| Pretax return on assets | 1.0329% | 3,444 |
| Return on Equity (ROE) | 6.2906% | 3,991 |
| Retained earnings to average equity (ytd only) | 6.2906% | 2,067 |
| Net charge-offs to loans | 0.0520% | 2,678 |
| Credit loss provision to net charge-offs | 128.5714% | 1,709 |
| Earnings coverage of net charge-offs (x) | 28.7857% | 1,397 |
| Efficiency ratio | 75.5313% | 2,446 |
| Assets per employee ($millions) | 2.5923% | 5,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1140% | 841 |
| Loan loss allowance to noncurrent loans | 251.0684% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 4.0984% | 319 |
| Noncurrent loans to loans | 0.8420% | 3,016 |
| Net loans and leases to total assets | 72.3728% | 1,921 |
| Net loans and leases to deposits | 81.0448% | 2,661 |
| Net loans and leases to core deposits | 83.8579% | 2,993 |
| Total domestic deposits to total assets | 89.2998% | 1,004 |
| Equity capital to assets | 10.2652% | 3,727 |
| Core capital (leverage) ratio | 10.0435% | 3,536 |
| Tier 1 risk-based capital ratio | 14.9417% | 3,387 |
| Total risk-based capital ratio | 16.2045% | 3,318 |
| Memoranda: | ||
| Average total assets | $74,545,000 | 5,086 |
| Average earning assets | $67,096,000 | 5,127 |
| Average equity | $7,598,670 | 5,243 |
| Average total loans | $53,797,000 | 4,651 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1867% | 414 |
| Cost of funding earning assets | 0.5361% | 1,961 |
| Net interest margin | 4.6506% | 449 |
| Noninterest income to average assets | 0.3395% | 4,477 |
| Noninterest expense to average assets | 3.4973% | 1,319 |
| Loan and lease loss provision to assets | 0.0970% | 2,079 |
| Net operating income to assets | 0.6628% | 3,989 |
| Return on assets (ROA) | 0.6628% | 4,113 |
| Pretax return on assets | 0.9053% | 3,870 |
| Return on Equity (ROE) | 6.5256% | 3,749 |
| Retained earnings to average equity (ytd only) | 6.5256% | 2,225 |
| Net charge-offs to loans | 0.0076% | 3,076 |
| Credit loss provision to net charge-offs | 1,800.0000% | 216 |
| Earnings coverage of net charge-offs (x) | 186.0000% | 302 |
| Efficiency ratio | 77.7246% | 2,228 |
| Assets per employee ($millions) | 2.4978% | 6,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2816% | 723 |
| Loan loss allowance to noncurrent loans | 172.1739% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 4.9843% | 247 |
| Noncurrent loans to loans | 1.3252% | 2,176 |
| Net loans and leases to total assets | 67.8988% | 2,457 |
| Net loans and leases to deposits | 75.8905% | 3,072 |
| Net loans and leases to core deposits | 77.5633% | 3,421 |
| Total domestic deposits to total assets | 89.4695% | 1,007 |
| Equity capital to assets | 10.1608% | 3,930 |
| Core capital (leverage) ratio | 10.5082% | 2,953 |
| Tier 1 risk-based capital ratio | 17.7644% | 2,211 |
| Total risk-based capital ratio | 19.0404% | 2,163 |
| Memoranda: | ||
| Average total assets | $74,229,500 | 5,144 |
| Average earning assets | $66,400,000 | 5,186 |
| Average equity | $7,539,500 | 5,294 |
| Average total loans | $52,904,500 | 4,701 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6685% | 242 |
| Cost of funding earning assets | 0.5509% | 2,198 |
| Net interest margin | 5.1177% | 246 |
| Noninterest income to average assets | -0.0174% | 6,416 |
| Noninterest expense to average assets | 3.9395% | 817 |
| Loan and lease loss provision to assets | 0.0727% | 3,027 |
| Net operating income to assets | 0.3300% | 5,445 |
| Return on assets (ROA) | 0.3300% | 5,509 |
| Pretax return on assets | 0.5350% | 5,158 |
| Return on Equity (ROE) | 3.0886% | 5,443 |
| Retained earnings to average equity (ytd only) | 3.0886% | 4,043 |
| Net charge-offs to loans | 0.1000% | 3,078 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 8.3600% | 2,891 |
| Efficiency ratio | 86.6368% | 1,104 |
| Assets per employee ($millions) | 2.3717% | 6,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1790% | 844 |
| Loan loss allowance to noncurrent loans | 182.9688% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 5.0351% | 274 |
| Noncurrent loans to loans | 1.1909% | 2,460 |
| Net loans and leases to total assets | 71.5005% | 1,994 |
| Net loans and leases to deposits | 79.8815% | 2,733 |
| Net loans and leases to core deposits | 82.1009% | 3,097 |
| Total domestic deposits to total assets | 89.5082% | 972 |
| Equity capital to assets | 10.1531% | 3,917 |
| Core capital (leverage) ratio | 9.9756% | 3,602 |
| Tier 1 risk-based capital ratio | 14.3670% | 3,853 |
| Total risk-based capital ratio | 15.6295% | 3,787 |
| Memoranda: | ||
| Average total assets | $68,789,600 | 5,325 |
| Average earning assets | $61,356,200 | 5,362 |
| Average equity | $7,349,600 | 5,336 |
| Average total loans | $50,006,800 | 4,817 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7144% | 222 |
| Cost of funding earning assets | 0.5495% | 2,298 |
| Net interest margin | 5.1649% | 212 |
| Noninterest income to average assets | 0.4792% | 3,690 |
| Noninterest expense to average assets | 4.4413% | 492 |
| Loan and lease loss provision to assets | 0.0986% | 2,397 |
| Net operating income to assets | 0.3293% | 5,495 |
| Return on assets (ROA) | 0.3293% | 5,562 |
| Pretax return on assets | 0.5364% | 5,217 |
| Return on Equity (ROE) | 3.0415% | 5,525 |
| Retained earnings to average equity (ytd only) | 3.0415% | 4,452 |
| Net charge-offs to loans | 0.0652% | 3,266 |
| Credit loss provision to net charge-offs | 208.3333% | 1,229 |
| Earnings coverage of net charge-offs (x) | 13.4163% | 2,229 |
| Efficiency ratio | 87.4903% | 1,048 |
| Assets per employee ($millions) | 2.3993% | 6,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2875% | 837 |
| Loan loss allowance to noncurrent loans | 240.3614% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 5.3175% | 302 |
| Noncurrent loans to loans | 0.9517% | 3,178 |
| Net loans and leases to total assets | 73.4827% | 1,600 |
| Net loans and leases to deposits | 82.5343% | 2,357 |
| Net loans and leases to core deposits | 84.8673% | 2,793 |
| Total domestic deposits to total assets | 89.0329% | 1,221 |
| Equity capital to assets | 10.6624% | 3,353 |
| Core capital (leverage) ratio | 11.0533% | 2,434 |
| Tier 1 risk-based capital ratio | 14.6970% | 3,757 |
| Total risk-based capital ratio | 15.9620% | 3,693 |
| Memoranda: | ||
| Average total assets | $67,606,000 | 5,411 |
| Average earning assets | $60,173,500 | 5,450 |
| Average equity | $7,320,750 | 5,385 |
| Average total loans | $49,073,250 | 4,900 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7361% | 205 |
| Cost of funding earning assets | 0.5649% | 2,209 |
| Net interest margin | 5.1712% | 212 |
| Noninterest income to average assets | 0.3675% | 4,497 |
| Noninterest expense to average assets | 4.4034% | 497 |
| Loan and lease loss provision to assets | 0.1494% | 1,651 |
| Net operating income to assets | 0.2808% | 5,634 |
| Return on assets (ROA) | 0.2808% | 5,704 |
| Pretax return on assets | 0.4093% | 5,533 |
| Return on Equity (ROE) | 2.5796% | 5,663 |
| Retained earnings to average equity (ytd only) | 2.5796% | 4,559 |
| Net charge-offs to loans | 0.1000% | 2,680 |
| Credit loss provision to net charge-offs | 208.3333% | 1,122 |
| Earnings coverage of net charge-offs (x) | 7.7917% | 2,578 |
| Efficiency ratio | 88.7417% | 1,021 |
| Assets per employee ($millions) | 2.0267% | 6,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5153% | 693 |
| Loan loss allowance to noncurrent loans | 360.5422% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 4.7660% | 391 |
| Noncurrent loans to loans | 0.6976% | 3,967 |
| Net loans and leases to total assets | 71.5319% | 1,822 |
| Net loans and leases to deposits | 81.0185% | 2,382 |
| Net loans and leases to core deposits | 84.4904% | 2,688 |
| Total domestic deposits to total assets | 88.2908% | 1,741 |
| Equity capital to assets | 11.3268% | 2,582 |
| Core capital (leverage) ratio | 10.8342% | 2,592 |
| Tier 1 risk-based capital ratio | 15.7115% | 3,239 |
| Total risk-based capital ratio | 16.9792% | 3,173 |
| Memoranda: | ||
| Average total assets | $66,947,670 | 5,475 |
| Average earning assets | $59,483,000 | 5,517 |
| Average equity | $7,288,000 | 5,414 |
| Average total loans | $47,988,670 | 4,962 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4460% | 316 |
| Cost of funding earning assets | 0.5882% | 2,086 |
| Net interest margin | 4.8578% | 346 |
| Noninterest income to average assets | 0.2941% | 5,021 |
| Noninterest expense to average assets | 3.9180% | 837 |
| Loan and lease loss provision to assets | 0.1765% | 1,365 |
| Net operating income to assets | 0.3765% | 5,202 |
| Return on assets (ROA) | 0.3765% | 5,272 |
| Pretax return on assets | 0.5236% | 5,099 |
| Return on Equity (ROE) | 3.5267% | 5,254 |
| Retained earnings to average equity (ytd only) | 3.5267% | 4,014 |
| Net charge-offs to loans | 0.0996% | 2,173 |
| Credit loss provision to net charge-offs | 250.0000% | 901 |
| Earnings coverage of net charge-offs (x) | 9.9167% | 1,904 |
| Efficiency ratio | 84.8408% | 1,572 |
| Assets per employee ($millions) | 2.2942% | 6,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4603% | 851 |
| Loan loss allowance to noncurrent loans | 97.0612% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 5.7376% | 313 |
| Noncurrent loans to loans | 2.5348% | 1,362 |
| Net loans and leases to total assets | 68.4877% | 2,148 |
| Net loans and leases to deposits | 76.8734% | 2,702 |
| Net loans and leases to core deposits | 78.9185% | 3,102 |
| Total domestic deposits to total assets | 89.0915% | 1,595 |
| Equity capital to assets | 10.6034% | 3,139 |
| Core capital (leverage) ratio | 10.5089% | 2,917 |
| Tier 1 risk-based capital ratio | 15.4230% | 3,485 |
| Total risk-based capital ratio | 16.6896% | 3,429 |
| Memoranda: | ||
| Average total assets | $67,994,000 | 5,505 |
| Average earning assets | $60,521,000 | 5,549 |
| Average equity | $7,259,000 | 5,454 |
| Average total loans | $48,188,500 | 5,000 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9305% | 192 |
| Cost of funding earning assets | 0.6899% | 1,890 |
| Net interest margin | 5.2406% | 203 |
| Noninterest income to average assets | 0.5347% | 3,521 |
| Noninterest expense to average assets | 4.5424% | 510 |
| Loan and lease loss provision to assets | 0.1763% | 2,096 |
| Net operating income to assets | 0.2879% | 5,564 |
| Return on assets (ROA) | 0.2879% | 5,658 |
| Pretax return on assets | 0.4363% | 5,398 |
| Return on Equity (ROE) | 2.7429% | 5,600 |
| Retained earnings to average equity (ytd only) | 2.7429% | 4,284 |
| Net charge-offs to loans | 0.3634% | 1,862 |
| Credit loss provision to net charge-offs | 64.5161% | 3,440 |
| Earnings coverage of net charge-offs (x) | 2.2419% | 4,269 |
| Efficiency ratio | 88.1163% | 1,202 |
| Assets per employee ($millions) | 2.1665% | 6,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4370% | 894 |
| Loan loss allowance to noncurrent loans | 144.3896% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 5.6030% | 370 |
| Noncurrent loans to loans | 1.6878% | 2,381 |
| Net loans and leases to total assets | 69.8009% | 2,050 |
| Net loans and leases to deposits | 78.4862% | 2,658 |
| Net loans and leases to core deposits | 80.8886% | 3,023 |
| Total domestic deposits to total assets | 88.9341% | 1,674 |
| Equity capital to assets | 10.7503% | 2,877 |
| Core capital (leverage) ratio | 10.2665% | 3,198 |
| Tier 1 risk-based capital ratio | 14.9822% | 3,679 |
| Total risk-based capital ratio | 16.2485% | 3,609 |
| Memoranda: | ||
| Average total assets | $68,070,000 | 5,538 |
| Average earning assets | $60,012,000 | 5,589 |
| Average equity | $7,145,800 | 5,538 |
| Average total loans | $51,180,600 | 4,925 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9638% | 192 |
| Cost of funding earning assets | 0.7053% | 1,915 |
| Net interest margin | 5.2585% | 198 |
| Noninterest income to average assets | 0.5779% | 3,281 |
| Noninterest expense to average assets | 4.5681% | 484 |
| Loan and lease loss provision to assets | 0.1757% | 2,072 |
| Net operating income to assets | 0.3319% | 5,488 |
| Return on assets (ROA) | 0.3319% | 5,616 |
| Pretax return on assets | 0.4627% | 5,468 |
| Return on Equity (ROE) | 3.1802% | 5,538 |
| Retained earnings to average equity (ytd only) | 3.1802% | 4,410 |
| Net charge-offs to loans | 0.4593% | 1,393 |
| Credit loss provision to net charge-offs | 50.2793% | 3,490 |
| Earnings coverage of net charge-offs (x) | 1.8268% | 4,223 |
| Efficiency ratio | 87.7390% | 1,196 |
| Assets per employee ($millions) | 2.1097% | 6,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3845% | 1,064 |
| Loan loss allowance to noncurrent loans | 134.9001% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 6.2747% | 361 |
| Noncurrent loans to loans | 1.7676% | 2,546 |
| Net loans and leases to total assets | 69.6159% | 2,029 |
| Net loans and leases to deposits | 78.2696% | 2,617 |
| Net loans and leases to core deposits | 80.2353% | 3,107 |
| Total domestic deposits to total assets | 88.9437% | 1,583 |
| Equity capital to assets | 10.6786% | 3,093 |
| Core capital (leverage) ratio | 10.5882% | 2,906 |
| Tier 1 risk-based capital ratio | 15.2418% | 3,597 |
| Total risk-based capital ratio | 16.4358% | 3,597 |
| Memoranda: | ||
| Average total assets | $68,297,250 | 5,584 |
| Average earning assets | $60,116,750 | 5,649 |
| Average equity | $7,127,250 | 5,604 |
| Average total loans | $51,963,250 | 4,933 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0253% | 177 |
| Cost of funding earning assets | 0.7184% | 1,930 |
| Net interest margin | 5.3069% | 183 |
| Noninterest income to average assets | 0.4901% | 3,899 |
| Noninterest expense to average assets | 4.7112% | 442 |
| Loan and lease loss provision to assets | 0.1750% | 2,159 |
| Net operating income to assets | 0.2338% | 5,811 |
| Return on assets (ROA) | 0.2363% | 5,929 |
| Pretax return on assets | 0.2830% | 5,915 |
| Return on Equity (ROE) | 2.2817% | 5,862 |
| Retained earnings to average equity (ytd only) | 2.2817% | 4,828 |
| Net charge-offs to loans | 0.4057% | 1,593 |
| Credit loss provision to net charge-offs | 55.5556% | 3,107 |
| Earnings coverage of net charge-offs (x) | 1.4444% | 4,055 |
| Efficiency ratio | 91.1914% | 968 |
| Assets per employee ($millions) | 2.1174% | 6,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3163% | 1,230 |
| Loan loss allowance to noncurrent loans | 64.0280% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 6.8096% | 352 |
| Noncurrent loans to loans | 3.6177% | 1,139 |
| Net loans and leases to total assets | 74.0027% | 1,247 |
| Net loans and leases to deposits | 82.9850% | 1,930 |
| Net loans and leases to core deposits | 84.6950% | 2,467 |
| Total domestic deposits to total assets | 89.1760% | 1,522 |
| Equity capital to assets | 10.4771% | 3,335 |
| Core capital (leverage) ratio | 9.9318% | 3,615 |
| Tier 1 risk-based capital ratio | 13.9417% | 4,462 |
| Total risk-based capital ratio | 15.2133% | 4,410 |
| Memoranda: | ||
| Average total assets | $68,560,000 | 5,617 |
| Average earning assets | $60,411,670 | 5,680 |
| Average equity | $7,100,000 | 5,658 |
| Average total loans | $53,236,000 | 4,905 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1189% | 138 |
| Cost of funding earning assets | 0.7566% | 1,795 |
| Net interest margin | 5.3622% | 153 |
| Noninterest income to average assets | 0.4176% | 4,325 |
| Noninterest expense to average assets | 4.5765% | 507 |
| Loan and lease loss provision to assets | 0.1740% | 2,126 |
| Net operating income to assets | 0.3016% | 5,561 |
| Return on assets (ROA) | 0.3016% | 5,687 |
| Pretax return on assets | 0.3944% | 5,576 |
| Return on Equity (ROE) | 2.9294% | 5,612 |
| Retained earnings to average equity (ytd only) | 2.9294% | 4,521 |
| Net charge-offs to loans | 0.6865% | 894 |
| Credit loss provision to net charge-offs | 32.2581% | 2,858 |
| Earnings coverage of net charge-offs (x) | 1.0538% | 3,488 |
| Efficiency ratio | 88.9515% | 1,238 |
| Assets per employee ($millions) | 2.0882% | 6,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1765% | 1,633 |
| Loan loss allowance to noncurrent loans | 54.4527% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 7.7392% | 331 |
| Noncurrent loans to loans | 3.9970% | 1,130 |
| Net loans and leases to total assets | 76.5749% | 770 |
| Net loans and leases to deposits | 85.7247% | 1,380 |
| Net loans and leases to core deposits | 87.4538% | 1,965 |
| Total domestic deposits to total assets | 89.3265% | 1,472 |
| Equity capital to assets | 10.3354% | 3,751 |
| Core capital (leverage) ratio | 9.8887% | 3,544 |
| Tier 1 risk-based capital ratio | 13.6370% | 4,767 |
| Total risk-based capital ratio | 14.9067% | 4,718 |
| Memoranda: | ||
| Average total assets | $68,961,500 | 5,660 |
| Average earning assets | $60,795,500 | 5,718 |
| Average equity | $7,100,500 | 5,715 |
| Average total loans | $54,188,500 | 4,911 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3227% | 163 |
| Cost of funding earning assets | 0.8259% | 2,459 |
| Net interest margin | 5.4968% | 172 |
| Noninterest income to average assets | 0.4710% | 4,088 |
| Noninterest expense to average assets | 4.5850% | 527 |
| Loan and lease loss provision to assets | 0.7237% | 702 |
| Net operating income to assets | -0.0689% | 6,252 |
| Return on assets (ROA) | -0.0689% | 6,358 |
| Pretax return on assets | -0.0402% | 6,321 |
| Return on Equity (ROE) | -0.6739% | 6,362 |
| Retained earnings to average equity (ytd only) | -0.6739% | 5,968 |
| Net charge-offs to loans | 0.5845% | 1,979 |
| Credit loss provision to net charge-offs | 156.0372% | 1,734 |
| Earnings coverage of net charge-offs (x) | 1.4737% | 4,709 |
| Efficiency ratio | 87.0264% | 1,330 |
| Assets per employee ($millions) | 2.0913% | 6,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2724% | 1,411 |
| Loan loss allowance to noncurrent loans | 43.1311% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 8.8069% | 287 |
| Noncurrent loans to loans | 5.2686% | 727 |
| Net loans and leases to total assets | 77.0844% | 779 |
| Net loans and leases to deposits | 86.2123% | 1,491 |
| Net loans and leases to core deposits | 88.6709% | 2,009 |
| Total domestic deposits to total assets | 89.4123% | 1,296 |
| Equity capital to assets | 10.2573% | 3,815 |
| Core capital (leverage) ratio | 10.1497% | 3,195 |
| Tier 1 risk-based capital ratio | 13.4768% | 4,764 |
| Total risk-based capital ratio | 14.7410% | 4,714 |
| Memoranda: | ||
| Average total assets | $69,639,600 | 5,637 |
| Average earning assets | $60,781,200 | 5,716 |
| Average equity | $7,122,400 | 5,726 |
| Average total loans | $55,260,000 | 4,892 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2965% | 180 |
| Cost of funding earning assets | 0.8502% | 2,536 |
| Net interest margin | 5.4463% | 191 |
| Noninterest income to average assets | 0.4260% | 4,431 |
| Noninterest expense to average assets | 4.6095% | 501 |
| Loan and lease loss provision to assets | 0.8386% | 551 |
| Net operating income to assets | -0.2636% | 6,543 |
| Return on assets (ROA) | -0.2636% | 6,609 |
| Pretax return on assets | -0.2865% | 6,595 |
| Return on Equity (ROE) | -2.5795% | 6,606 |
| Retained earnings to average equity (ytd only) | -2.5795% | 6,452 |
| Net charge-offs to loans | 1.0961% | 931 |
| Credit loss provision to net charge-offs | 96.2719% | 3,099 |
| Earnings coverage of net charge-offs (x) | 0.6338% | 5,004 |
| Efficiency ratio | 89.3042% | 1,088 |
| Assets per employee ($millions) | 2.1058% | 6,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9159% | 2,423 |
| Loan loss allowance to noncurrent loans | 28.7017% | 6,174 |
| Noncurrent assets plus other real estate owned to assets | 10.2891% | 229 |
| Noncurrent loans to loans | 6.6751% | 563 |
| Net loans and leases to total assets | 76.5452% | 889 |
| Net loans and leases to deposits | 85.3859% | 1,674 |
| Net loans and leases to core deposits | 92.6900% | 1,707 |
| Total domestic deposits to total assets | 89.6461% | 1,048 |
| Equity capital to assets | 10.0646% | 4,399 |
| Core capital (leverage) ratio | 9.7590% | 3,861 |
| Tier 1 risk-based capital ratio | 13.0699% | 5,193 |
| Total risk-based capital ratio | 14.3302% | 5,141 |
| Memoranda: | ||
| Average total assets | $69,796,000 | 5,702 |
| Average earning assets | $60,688,500 | 5,780 |
| Average equity | $7,133,250 | 5,793 |
| Average total loans | $55,466,000 | 4,936 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2970% | 189 |
| Cost of funding earning assets | 0.8779% | 2,582 |
| Net interest margin | 5.4191% | 204 |
| Noninterest income to average assets | 0.5351% | 3,687 |
| Noninterest expense to average assets | 4.6811% | 463 |
| Loan and lease loss provision to assets | 0.1717% | 3,390 |
| Net operating income to assets | 0.3806% | 5,294 |
| Return on assets (ROA) | 0.3806% | 5,528 |
| Pretax return on assets | 0.3806% | 5,753 |
| Return on Equity (ROE) | 3.7049% | 5,403 |
| Retained earnings to average equity (ytd only) | 3.7049% | 4,137 |
| Net charge-offs to loans | 0.3543% | 2,600 |
| Credit loss provision to net charge-offs | 60.6061% | 3,780 |
| Earnings coverage of net charge-offs (x) | 1.9495% | 4,002 |
| Efficiency ratio | 89.4478% | 1,122 |
| Assets per employee ($millions) | 2.1174% | 7,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8432% | 2,724 |
| Loan loss allowance to noncurrent loans | 23.6237% | 6,411 |
| Noncurrent assets plus other real estate owned to assets | 11.9014% | 184 |
| Noncurrent loans to loans | 7.8024% | 449 |
| Net loans and leases to total assets | 77.5081% | 782 |
| Net loans and leases to deposits | 86.7652% | 1,509 |
| Net loans and leases to core deposits | 96.4214% | 1,398 |
| Total domestic deposits to total assets | 89.3308% | 1,312 |
| Equity capital to assets | 10.3916% | 3,823 |
| Core capital (leverage) ratio | 10.3125% | 3,033 |
| Tier 1 risk-based capital ratio | 13.4649% | 4,859 |
| Total risk-based capital ratio | 14.7231% | 4,808 |
| Memoranda: | ||
| Average total assets | $69,897,670 | 5,734 |
| Average earning assets | $60,600,670 | 5,815 |
| Average equity | $7,179,670 | 5,794 |
| Average total loans | $55,877,670 | 4,957 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3780% | 187 |
| Cost of funding earning assets | 0.9196% | 2,523 |
| Net interest margin | 5.4583% | 198 |
| Noninterest income to average assets | 0.5378% | 3,641 |
| Noninterest expense to average assets | 4.8749% | 404 |
| Loan and lease loss provision to assets | 0.1717% | 3,252 |
| Net operating income to assets | 0.2117% | 5,950 |
| Return on assets (ROA) | 0.2117% | 6,097 |
| Pretax return on assets | 0.2117% | 6,175 |
| Return on Equity (ROE) | 2.0731% | 6,054 |
| Retained earnings to average equity (ytd only) | 2.0731% | 5,232 |
| Net charge-offs to loans | 0.0925% | 3,596 |
| Credit loss provision to net charge-offs | 230.7692% | 1,213 |
| Earnings coverage of net charge-offs (x) | 5.1538% | 2,425 |
| Efficiency ratio | 92.7095% | 900 |
| Assets per employee ($millions) | 2.0703% | 7,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9193% | 2,619 |
| Loan loss allowance to noncurrent loans | 23.4741% | 6,440 |
| Noncurrent assets plus other real estate owned to assets | 12.1155% | 198 |
| Noncurrent loans to loans | 8.1762% | 464 |
| Net loans and leases to total assets | 77.9000% | 600 |
| Net loans and leases to deposits | 86.9496% | 1,299 |
| Net loans and leases to core deposits | 96.8336% | 1,216 |
| Total domestic deposits to total assets | 89.5921% | 1,311 |
| Equity capital to assets | 10.1621% | 3,898 |
| Core capital (leverage) ratio | 10.1348% | 3,194 |
| Tier 1 risk-based capital ratio | 13.0342% | 5,192 |
| Total risk-based capital ratio | 14.2921% | 5,149 |
| Memoranda: | ||
| Average total assets | $69,909,500 | 5,782 |
| Average earning assets | $60,458,000 | 5,859 |
| Average equity | $7,139,000 | 5,827 |
| Average total loans | $56,229,000 | 4,972 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3836% | 220 |
| Cost of funding earning assets | 1.3521% | 1,230 |
| Net interest margin | 5.0315% | 390 |
| Noninterest income to average assets | 0.6094% | 3,110 |
| Noninterest expense to average assets | 4.1934% | 814 |
| Loan and lease loss provision to assets | 0.7206% | 1,421 |
| Net operating income to assets | 0.1607% | 5,702 |
| Return on assets (ROA) | 0.1152% | 5,955 |
| Pretax return on assets | 0.0857% | 5,990 |
| Return on Equity (ROE) | 1.2140% | 5,911 |
| Retained earnings to average equity (ytd only) | 1.2140% | 5,285 |
| Net charge-offs to loans | 1.5261% | 1,050 |
| Credit loss provision to net charge-offs | 58.3514% | 5,214 |
| Earnings coverage of net charge-offs (x) | 0.6898% | 5,296 |
| Efficiency ratio | 83.1165% | 1,872 |
| Assets per employee ($millions) | 2.0421% | 7,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8673% | 2,664 |
| Loan loss allowance to noncurrent loans | 24.6960% | 6,444 |
| Noncurrent assets plus other real estate owned to assets | 12.2757% | 194 |
| Noncurrent loans to loans | 7.5612% | 551 |
| Net loans and leases to total assets | 79.9309% | 500 |
| Net loans and leases to deposits | 89.2922% | 1,226 |
| Net loans and leases to core deposits | 102.1330% | 1,018 |
| Total domestic deposits to total assets | 89.5161% | 1,260 |
| Equity capital to assets | 10.2621% | 3,830 |
| Core capital (leverage) ratio | 9.9561% | 3,391 |
| Tier 1 risk-based capital ratio | 12.8457% | 5,200 |
| Total risk-based capital ratio | 14.1039% | 5,170 |
| Memoranda: | ||
| Average total assets | $74,664,800 | 5,620 |
| Average earning assets | $65,825,200 | 5,672 |
| Average equity | $7,084,000 | 5,843 |
| Average total loans | $60,417,400 | 4,851 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3592% | 244 |
| Cost of funding earning assets | 1.4407% | 1,059 |
| Net interest margin | 4.9185% | 491 |
| Noninterest income to average assets | 0.5440% | 3,561 |
| Noninterest expense to average assets | 4.0276% | 975 |
| Loan and lease loss provision to assets | 0.8915% | 1,013 |
| Net operating income to assets | -0.0127% | 6,172 |
| Return on assets (ROA) | -0.0526% | 6,321 |
| Pretax return on assets | -0.0790% | 6,314 |
| Return on Equity (ROE) | -0.5655% | 6,327 |
| Retained earnings to average equity (ytd only) | -0.5655% | 6,084 |
| Net charge-offs to loans | 1.9896% | 641 |
| Credit loss provision to net charge-offs | 55.4585% | 4,909 |
| Earnings coverage of net charge-offs (x) | 0.5426% | 5,225 |
| Efficiency ratio | 82.1991% | 1,947 |
| Assets per employee ($millions) | 2.0212% | 7,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8100% | 2,910 |
| Loan loss allowance to noncurrent loans | 23.0976% | 6,575 |
| Noncurrent assets plus other real estate owned to assets | 10.9755% | 294 |
| Noncurrent loans to loans | 7.8364% | 574 |
| Net loans and leases to total assets | 76.9413% | 839 |
| Net loans and leases to deposits | 85.4626% | 1,761 |
| Net loans and leases to core deposits | 102.9723% | 1,039 |
| Total domestic deposits to total assets | 90.0291% | 852 |
| Equity capital to assets | 9.7647% | 4,678 |
| Core capital (leverage) ratio | 9.3506% | 4,376 |
| Tier 1 risk-based capital ratio | 12.5749% | 5,428 |
| Total risk-based capital ratio | 13.8317% | 5,404 |
| Memoranda: | ||
| Average total assets | $75,973,500 | 5,614 |
| Average earning assets | $67,281,750 | 5,675 |
| Average equity | $7,073,750 | 5,889 |
| Average total loans | $61,383,750 | 4,855 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3666% | 249 |
| Cost of funding earning assets | 1.5006% | 1,004 |
| Net interest margin | 4.8660% | 529 |
| Noninterest income to average assets | 0.4050% | 4,637 |
| Noninterest expense to average assets | 3.9095% | 1,176 |
| Loan and lease loss provision to assets | 0.9164% | 978 |
| Net operating income to assets | -0.1116% | 6,362 |
| Return on assets (ROA) | -0.1973% | 6,506 |
| Pretax return on assets | -0.1713% | 6,429 |
| Return on Equity (ROE) | -2.1520% | 6,531 |
| Retained earnings to average equity (ytd only) | -2.1520% | 6,272 |
| Net charge-offs to loans | 1.7728% | 800 |
| Credit loss provision to net charge-offs | 63.3752% | 4,257 |
| Earnings coverage of net charge-offs (x) | 0.5745% | 4,870 |
| Efficiency ratio | 82.4754% | 2,029 |
| Assets per employee ($millions) | 2.0299% | 7,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0882% | 2,139 |
| Loan loss allowance to noncurrent loans | 31.0397% | 6,201 |
| Noncurrent assets plus other real estate owned to assets | 10.1218% | 383 |
| Noncurrent loans to loans | 6.7276% | 796 |
| Net loans and leases to total assets | 77.1626% | 891 |
| Net loans and leases to deposits | 85.4310% | 1,869 |
| Net loans and leases to core deposits | 106.9204% | 872 |
| Total domestic deposits to total assets | 90.3215% | 799 |
| Equity capital to assets | 9.3988% | 4,973 |
| Core capital (leverage) ratio | 9.0414% | 4,658 |
| Tier 1 risk-based capital ratio | 12.4147% | 5,427 |
| Total risk-based capital ratio | 13.6768% | 5,398 |
| Memoranda: | ||
| Average total assets | $77,044,000 | 5,622 |
| Average earning assets | $68,639,000 | 5,673 |
| Average equity | $7,063,330 | 5,903 |
| Average total loans | $62,839,670 | 4,837 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5989% | 177 |
| Cost of funding earning assets | 1.5466% | 989 |
| Net interest margin | 5.0523% | 341 |
| Noninterest income to average assets | 0.3692% | 4,960 |
| Noninterest expense to average assets | 3.6712% | 1,597 |
| Loan and lease loss provision to assets | 1.0511% | 711 |
| Net operating income to assets | 0.1179% | 6,044 |
| Return on assets (ROA) | 0.1179% | 6,101 |
| Pretax return on assets | 0.1692% | 6,007 |
| Return on Equity (ROE) | 1.3021% | 6,049 |
| Retained earnings to average equity (ytd only) | 1.3021% | 5,305 |
| Net charge-offs to loans | 3.3712% | 300 |
| Credit loss provision to net charge-offs | 37.6147% | 3,991 |
| Earnings coverage of net charge-offs (x) | 0.4367% | 4,296 |
| Efficiency ratio | 75.0524% | 3,324 |
| Assets per employee ($millions) | 2.1036% | 7,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7338% | 3,233 |
| Loan loss allowance to noncurrent loans | 32.6603% | 6,127 |
| Noncurrent assets plus other real estate owned to assets | 7.9362% | 603 |
| Noncurrent loans to loans | 5.3085% | 1,244 |
| Net loans and leases to total assets | 82.3265% | 319 |
| Net loans and leases to deposits | 91.0971% | 1,106 |
| Net loans and leases to core deposits | 112.7213% | 638 |
| Total domestic deposits to total assets | 90.3722% | 918 |
| Equity capital to assets | 9.3504% | 4,650 |
| Core capital (leverage) ratio | 9.0892% | 4,466 |
| Tier 1 risk-based capital ratio | 11.8910% | 5,788 |
| Total risk-based capital ratio | 13.1476% | 5,778 |
| Memoranda: | ||
| Average total assets | $78,013,500 | 5,645 |
| Average earning assets | $69,829,500 | 5,680 |
| Average equity | $7,065,500 | 5,913 |
| Average total loans | $64,665,000 | 4,815 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6418% | 257 |
| Cost of funding earning assets | 2.0068% | 593 |
| Net interest margin | 4.6350% | 936 |
| Noninterest income to average assets | 0.5153% | 4,055 |
| Noninterest expense to average assets | 3.7470% | 1,596 |
| Loan and lease loss provision to assets | 0.9244% | 1,766 |
| Net operating income to assets | 0.0124% | 5,800 |
| Return on assets (ROA) | 0.0124% | 5,932 |
| Pretax return on assets | -0.0087% | 5,909 |
| Return on Equity (ROE) | 0.1450% | 5,925 |
| Retained earnings to average equity (ytd only) | 0.1450% | 5,508 |
| Net charge-offs to loans | 0.2589% | 4,741 |
| Credit loss provision to net charge-offs | 427.4286% | 552 |
| Earnings coverage of net charge-offs (x) | 4.2343% | 3,006 |
| Efficiency ratio | 80.3605% | 2,370 |
| Assets per employee ($millions) | 2.2305% | 7,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1856% | 1,896 |
| Loan loss allowance to noncurrent loans | 46.6623% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 7.0114% | 779 |
| Noncurrent loans to loans | 4.6839% | 1,488 |
| Net loans and leases to total assets | 80.2573% | 634 |
| Net loans and leases to deposits | 88.2458% | 1,753 |
| Net loans and leases to core deposits | 114.1630% | 725 |
| Total domestic deposits to total assets | 90.9475% | 623 |
| Equity capital to assets | 8.7798% | 5,469 |
| Core capital (leverage) ratio | 8.5515% | 5,273 |
| Tier 1 risk-based capital ratio | 11.3491% | 6,034 |
| Total risk-based capital ratio | 12.6130% | 6,020 |
| Memoranda: | ||
| Average total assets | $80,917,800 | 5,571 |
| Average earning assets | $72,405,200 | 5,590 |
| Average equity | $6,898,800 | 6,070 |
| Average total loans | $67,602,400 | 4,764 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6255% | 275 |
| Cost of funding earning assets | 2.0677% | 598 |
| Net interest margin | 4.5578% | 1,139 |
| Noninterest income to average assets | 0.5493% | 3,793 |
| Noninterest expense to average assets | 3.6921% | 1,581 |
| Loan and lease loss provision to assets | 1.2301% | 1,150 |
| Net operating income to assets | -0.1546% | 6,254 |
| Return on assets (ROA) | -0.1546% | 6,334 |
| Pretax return on assets | -0.2911% | 6,401 |
| Return on Equity (ROE) | -1.8267% | 6,380 |
| Retained earnings to average equity (ytd only) | -1.8267% | 6,169 |
| Net charge-offs to loans | 0.5272% | 3,190 |
| Credit loss provision to net charge-offs | 278.0669% | 1,169 |
| Earnings coverage of net charge-offs (x) | 2.1227% | 4,134 |
| Efficiency ratio | 79.7230% | 2,383 |
| Assets per employee ($millions) | 2.3674% | 7,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0318% | 2,145 |
| Loan loss allowance to noncurrent loans | 76.4338% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 7.4403% | 710 |
| Noncurrent loans to loans | 2.6582% | 2,974 |
| Net loans and leases to total assets | 78.3273% | 979 |
| Net loans and leases to deposits | 85.8310% | 2,381 |
| Net loans and leases to core deposits | 112.3864% | 914 |
| Total domestic deposits to total assets | 91.2575% | 366 |
| Equity capital to assets | 8.4818% | 6,296 |
| Core capital (leverage) ratio | 8.5197% | 5,471 |
| Tier 1 risk-based capital ratio | 10.5046% | 6,776 |
| Total risk-based capital ratio | 11.7643% | 6,755 |
| Memoranda: | ||
| Average total assets | $81,072,750 | 5,635 |
| Average earning assets | $72,607,000 | 5,649 |
| Average equity | $6,861,000 | 6,158 |
| Average total loans | $68,031,750 | 4,831 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7393% | 228 |
| Cost of funding earning assets | 2.1353% | 584 |
| Net interest margin | 4.6040% | 986 |
| Noninterest income to average assets | 0.3256% | 5,548 |
| Noninterest expense to average assets | 3.6209% | 1,729 |
| Loan and lease loss provision to assets | 1.7968% | 690 |
| Net operating income to assets | -0.6785% | 6,793 |
| Return on assets (ROA) | -0.6785% | 6,812 |
| Pretax return on assets | -0.9394% | 6,859 |
| Return on Equity (ROE) | -8.0231% | 6,892 |
| Retained earnings to average equity (ytd only) | -8.0231% | 6,817 |
| Net charge-offs to loans | 0.7956% | 2,258 |
| Credit loss provision to net charge-offs | 264.8352% | 1,430 |
| Earnings coverage of net charge-offs (x) | 1.2637% | 4,558 |
| Efficiency ratio | 80.8546% | 2,322 |
| Assets per employee ($millions) | 2.3309% | 7,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9451% | 2,313 |
| Loan loss allowance to noncurrent loans | 61.4846% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 6.2025% | 929 |
| Noncurrent loans to loans | 3.1635% | 2,530 |
| Net loans and leases to total assets | 81.3827% | 619 |
| Net loans and leases to deposits | 89.0391% | 1,997 |
| Net loans and leases to core deposits | 118.8692% | 734 |
| Total domestic deposits to total assets | 91.4011% | 358 |
| Equity capital to assets | 8.4065% | 6,292 |
| Core capital (leverage) ratio | 8.3058% | 5,760 |
| Tier 1 risk-based capital ratio | 10.0608% | 6,988 |
| Total risk-based capital ratio | 11.3200% | 6,964 |
| Memoranda: | ||
| Average total assets | $80,477,000 | 5,686 |
| Average earning assets | $72,589,330 | 5,686 |
| Average equity | $6,805,330 | 6,202 |
| Average total loans | $68,626,330 | 4,834 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9995% | 175 |
| Cost of funding earning assets | 2.2486% | 502 |
| Net interest margin | 4.7508% | 704 |
| Noninterest income to average assets | 0.3003% | 5,746 |
| Noninterest expense to average assets | 3.4332% | 2,147 |
| Loan and lease loss provision to assets | 0.7707% | 1,644 |
| Net operating income to assets | 0.3703% | 4,972 |
| Return on assets (ROA) | 0.3703% | 5,097 |
| Pretax return on assets | 0.4104% | 5,262 |
| Return on Equity (ROE) | 4.3664% | 4,727 |
| Retained earnings to average equity (ytd only) | 4.3664% | 3,531 |
| Net charge-offs to loans | 0.1100% | 4,327 |
| Credit loss provision to net charge-offs | 810.5263% | 561 |
| Earnings coverage of net charge-offs (x) | 12.4211% | 1,570 |
| Efficiency ratio | 74.4035% | 3,511 |
| Assets per employee ($millions) | 2.2265% | 7,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4420% | 4,198 |
| Loan loss allowance to noncurrent loans | 50.2508% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 5.0403% | 1,269 |
| Noncurrent loans to loans | 2.8696% | 2,809 |
| Net loans and leases to total assets | 85.4418% | 254 |
| Net loans and leases to deposits | 93.7804% | 1,374 |
| Net loans and leases to core deposits | 122.5003% | 690 |
| Total domestic deposits to total assets | 91.1084% | 499 |
| Equity capital to assets | 8.6983% | 5,732 |
| Core capital (leverage) ratio | 8.8233% | 4,830 |
| Tier 1 risk-based capital ratio | 10.4118% | 6,709 |
| Total risk-based capital ratio | 11.6634% | 6,706 |
| Memoranda: | ||
| Average total assets | $79,925,500 | 5,769 |
| Average earning assets | $72,577,000 | 5,761 |
| Average equity | $6,779,000 | 6,263 |
| Average total loans | $69,085,000 | 4,894 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0445% | 264 |
| Cost of funding earning assets | 3.0904% | 177 |
| Net interest margin | 3.9541% | 3,060 |
| Noninterest income to average assets | 0.2965% | 5,988 |
| Noninterest expense to average assets | 3.1459% | 3,565 |
| Loan and lease loss provision to assets | 0.2714% | 5,239 |
| Net operating income to assets | 0.3702% | 4,248 |
| Return on assets (ROA) | 0.3702% | 4,347 |
| Pretax return on assets | 0.5153% | 4,142 |
| Return on Equity (ROE) | 4.5910% | 3,847 |
| Retained earnings to average equity (ytd only) | 4.5910% | 2,041 |
| Net charge-offs to loans | 0.0369% | 6,753 |
| Credit loss provision to net charge-offs | 868.0000% | 337 |
| Earnings coverage of net charge-offs (x) | 25.1600% | 885 |
| Efficiency ratio | 79.9936% | 2,892 |
| Assets per employee ($millions) | 2.3440% | 7,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 4,978 |
| Loan loss allowance to noncurrent loans | 54.5283% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 4.4732% | 1,445 |
| Noncurrent loans to loans | 2.3150% | 3,272 |
| Net loans and leases to total assets | 85.0923% | 340 |
| Net loans and leases to deposits | 93.0312% | 1,729 |
| Net loans and leases to core deposits | 132.8814% | 1,117 |
| Total domestic deposits to total assets | 91.4664% | 389 |
| Equity capital to assets | 8.2638% | 6,256 |
| Core capital (leverage) ratio | 8.3684% | 5,507 |
| Tier 1 risk-based capital ratio | 9.9093% | 6,947 |
| Total risk-based capital ratio | 11.1596% | 6,924 |
| Memoranda: | ||
| Average total assets | $79,946,000 | 5,733 |
| Average earning assets | $73,518,600 | 5,702 |
| Average equity | $6,447,400 | 6,444 |
| Average total loans | $67,811,800 | 4,946 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0081% | 298 |
| Cost of funding earning assets | 3.2369% | 169 |
| Net interest margin | 3.7712% | 3,772 |
| Noninterest income to average assets | 0.2950% | 6,121 |
| Noninterest expense to average assets | 2.9946% | 4,063 |
| Loan and lease loss provision to assets | 0.3366% | 4,315 |
| Net operating income to assets | 0.3550% | 4,573 |
| Return on assets (ROA) | 0.3550% | 4,669 |
| Pretax return on assets | 0.4449% | 4,677 |
| Return on Equity (ROE) | 4.4285% | 4,200 |
| Retained earnings to average equity (ytd only) | 4.4285% | 2,799 |
| Net charge-offs to loans | 0.0335% | 6,428 |
| Credit loss provision to net charge-offs | 1,188.2353% | 319 |
| Earnings coverage of net charge-offs (x) | 27.5836% | 987 |
| Efficiency ratio | 79.3027% | 2,951 |
| Assets per employee ($millions) | 2.1181% | 7,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 4,633 |
| Loan loss allowance to noncurrent loans | 61.1230% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 4.2430% | 1,475 |
| Noncurrent loans to loans | 2.0900% | 3,513 |
| Net loans and leases to total assets | 82.5721% | 732 |
| Net loans and leases to deposits | 90.4820% | 2,486 |
| Net loans and leases to core deposits | 133.4438% | 1,240 |
| Total domestic deposits to total assets | 91.2581% | 320 |
| Equity capital to assets | 8.0846% | 6,762 |
| Core capital (leverage) ratio | 7.9939% | 6,369 |
| Tier 1 risk-based capital ratio | 9.9077% | 7,053 |
| Total risk-based capital ratio | 11.1587% | 7,015 |
| Memoranda: | ||
| Average total assets | $80,008,250 | 5,764 |
| Average earning assets | $73,855,250 | 5,726 |
| Average equity | $6,412,750 | 6,517 |
| Average total loans | $67,594,000 | 5,001 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9237% | 363 |
| Cost of funding earning assets | 3.3240% | 190 |
| Net interest margin | 3.5997% | 4,360 |
| Noninterest income to average assets | 0.2755% | 6,294 |
| Noninterest expense to average assets | 2.8754% | 4,600 |
| Loan and lease loss provision to assets | 0.0751% | 6,440 |
| Net operating income to assets | 0.5260% | 3,994 |
| Return on assets (ROA) | 0.5260% | 4,110 |
| Pretax return on assets | 0.6612% | 4,126 |
| Return on Equity (ROE) | 6.5817% | 3,398 |
| Retained earnings to average equity (ytd only) | 6.5817% | 1,754 |
| Net charge-offs to loans | 0.0473% | 5,813 |
| Credit loss provision to net charge-offs | 187.5000% | 2,434 |
| Earnings coverage of net charge-offs (x) | 18.3750% | 1,413 |
| Efficiency ratio | 79.6117% | 3,111 |
| Assets per employee ($millions) | 2.3306% | 7,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 6,247 |
| Loan loss allowance to noncurrent loans | 61.9048% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 3.7698% | 1,618 |
| Noncurrent loans to loans | 1.6152% | 4,071 |
| Net loans and leases to total assets | 83.6300% | 687 |
| Net loans and leases to deposits | 91.4780% | 2,571 |
| Net loans and leases to core deposits | 136.9050% | 1,167 |
| Total domestic deposits to total assets | 91.4209% | 336 |
| Equity capital to assets | 7.9600% | 6,800 |
| Core capital (leverage) ratio | 8.0027% | 6,325 |
| Tier 1 risk-based capital ratio | 9.7147% | 7,217 |
| Total risk-based capital ratio | 10.7421% | 7,351 |
| Memoranda: | ||
| Average total assets | $79,849,000 | 5,806 |
| Average earning assets | $74,007,000 | 5,745 |
| Average equity | $6,381,330 | 6,582 |
| Average total loans | $67,685,670 | 5,040 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7191% | 565 |
| Cost of funding earning assets | 3.3974% | 202 |
| Net interest margin | 3.3217% | 5,431 |
| Noninterest income to average assets | 0.2684% | 6,296 |
| Noninterest expense to average assets | 2.8510% | 4,331 |
| Loan and lease loss provision to assets | 0.0760% | 6,006 |
| Net operating income to assets | 0.2785% | 5,374 |
| Return on assets (ROA) | 0.2785% | 5,544 |
| Pretax return on assets | 0.4507% | 5,242 |
| Return on Equity (ROE) | 3.4780% | 5,180 |
| Retained earnings to average equity (ytd only) | 3.4780% | 3,962 |
| Net charge-offs to loans | 0.0835% | 4,330 |
| Credit loss provision to net charge-offs | 107.1429% | 3,567 |
| Earnings coverage of net charge-offs (x) | 7.4286% | 2,349 |
| Efficiency ratio | 84.4078% | 2,260 |
| Assets per employee ($millions) | 2.3084% | 7,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 6,274 |
| Loan loss allowance to noncurrent loans | 45.4607% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 4.1142% | 1,230 |
| Noncurrent loans to loans | 2.1734% | 3,018 |
| Net loans and leases to total assets | 83.8441% | 712 |
| Net loans and leases to deposits | 91.6335% | 2,662 |
| Net loans and leases to core deposits | 135.6747% | 1,329 |
| Total domestic deposits to total assets | 91.4994% | 277 |
| Equity capital to assets | 7.8644% | 6,990 |
| Core capital (leverage) ratio | 8.0956% | 6,299 |
| Tier 1 risk-based capital ratio | 9.5262% | 7,405 |
| Total risk-based capital ratio | 10.5385% | 7,572 |
| Memoranda: | ||
| Average total assets | $78,988,500 | 5,859 |
| Average earning assets | $73,938,000 | 5,773 |
| Average equity | $6,325,500 | 6,652 |
| Average total loans | $67,075,500 | 5,090 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8863% | 220 |
| Cost of funding earning assets | 3.8403% | 174 |
| Net interest margin | 4.0460% | 2,924 |
| Noninterest income to average assets | 0.4372% | 5,147 |
| Noninterest expense to average assets | 3.2218% | 3,250 |
| Loan and lease loss provision to assets | 0.2386% | 4,516 |
| Net operating income to assets | 0.4564% | 4,920 |
| Return on assets (ROA) | 0.4564% | 4,752 |
| Pretax return on assets | 0.7647% | 4,197 |
| Return on Equity (ROE) | 5.0032% | 4,388 |
| Retained earnings to average equity (ytd only) | 5.0032% | 2,026 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2539% | 3,192 |
| Assets per employee ($millions) | 2.2052% | 7,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 5,801 |
| Loan loss allowance to noncurrent loans | 41.4365% | 5,962 |
| Noncurrent assets plus other real estate owned to assets | 2.3762% | 2,044 |
| Noncurrent loans to loans | 2.4782% | 2,203 |
| Net loans and leases to total assets | 84.2919% | 843 |
| Net loans and leases to deposits | 92.4068% | 3,069 |
| Net loans and leases to core deposits | 127.6893% | 2,028 |
| Total domestic deposits to total assets | 91.2183% | 268 |
| Equity capital to assets | 8.1585% | 6,618 |
| Core capital (leverage) ratio | 8.5807% | 5,425 |
| Tier 1 risk-based capital ratio | 10.0812% | 6,646 |
| Total risk-based capital ratio | 11.1605% | 6,719 |
| Memoranda: | ||
| Average total assets | $67,478,800 | 6,104 |
| Average earning assets | $63,172,800 | 6,046 |
| Average equity | $6,156,000 | 6,750 |
| Average total loans | $57,993,400 | 5,364 |