Home > Hoyne Interim Bank > Performance and Condition Ratios
Hoyne Interim Bank, Performance and Condition Ratios
| 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 | 2.0905% | 4,958 |
| Cost of funding earning assets | 0.1167% | 4,888 |
| Net interest margin | 1.9737% | 4,893 |
| Noninterest income to average assets | 0.0212% | 4,951 |
| Noninterest expense to average assets | 8.0010% | 97 |
| Loan and lease loss provision to assets | 0.0016% | 4,230 |
| Net operating income to assets | -7.0295% | 5,021 |
| Return on assets (ROA) | -7.0295% | 5,021 |
| Pretax return on assets | -6.0494% | 5,017 |
| Return on Equity (ROE) | -26.6544% | 5,010 |
| Retained earnings to average equity (ytd only) | -26.6544% | 4,996 |
| Net charge-offs to loans | -0.4395% | 4,965 |
| Credit loss provision to net charge-offs | -1.4706% | 3,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 409.5341% | 5 |
| Assets per employee ($millions) | 4.5627% | 3,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1140% | 407 |
| Loan loss allowance to noncurrent loans | 22.0734% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 2.6879% | 185 |
| Noncurrent loans to loans | 9.5772% | 28 |
| Net loans and leases to total assets | 27.4727% | 4,860 |
| Net loans and leases to deposits | 40.1570% | 4,746 |
| Net loans and leases to core deposits | 40.5335% | 4,776 |
| Total domestic deposits to total assets | 68.4132% | 4,802 |
| Equity capital to assets | 22.4130% | 140 |
| Core capital (leverage) ratio | 21.8630% | 145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 106.5128% | 30 |
| Memoranda: | ||
| Average total assets | $62,990,500 | 4,483 |
| Average earning assets | $61,675,000 | 4,436 |
| Average equity | $16,612,250 | 3,492 |
| Average total loans | $20,628,500 | 4,732 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2295% | 5,004 |
| Cost of funding earning assets | 0.1177% | 4,944 |
| Net interest margin | 2.1118% | 4,917 |
| Noninterest income to average assets | 0.0223% | 4,971 |
| Noninterest expense to average assets | 4.7947% | 211 |
| Loan and lease loss provision to assets | -0.2903% | 5,046 |
| Net operating income to assets | -1.7322% | 5,010 |
| Return on assets (ROA) | -1.7322% | 5,009 |
| Pretax return on assets | -2.4213% | 5,018 |
| Return on Equity (ROE) | -6.2495% | 4,943 |
| Retained earnings to average equity (ytd only) | -6.2495% | 4,821 |
| Net charge-offs to loans | -0.0186% | 4,382 |
| Credit loss provision to net charge-offs | 4,550.0000% | 258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 230.1685% | 15 |
| Assets per employee ($millions) | 4.3869% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 2,950 |
| Loan loss allowance to noncurrent loans | 21.3320% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 1.7127% | 486 |
| Noncurrent loans to loans | 5.2368% | 98 |
| Net loans and leases to total assets | 29.7277% | 4,865 |
| Net loans and leases to deposits | 44.0754% | 4,703 |
| Net loans and leases to core deposits | 44.4813% | 4,744 |
| Total domestic deposits to total assets | 67.4473% | 4,854 |
| Equity capital to assets | 25.9787% | 89 |
| Core capital (leverage) ratio | 26.6929% | 82 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 116.6962% | 30 |
| Memoranda: | ||
| Average total assets | $62,694,667 | 4,497 |
| Average earning assets | $61,179,333 | 4,451 |
| Average equity | $17,377,333 | 3,428 |
| Average total loans | $21,528,667 | 4,740 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5261% | 5,044 |
| Cost of funding earning assets | 0.1206% | 5,014 |
| Net interest margin | 2.4055% | 4,874 |
| Noninterest income to average assets | 0.0262% | 5,009 |
| Noninterest expense to average assets | 5.0180% | 221 |
| Loan and lease loss provision to assets | -0.4580% | 5,097 |
| Net operating income to assets | -1.5636% | 5,026 |
| Return on assets (ROA) | -1.5636% | 5,012 |
| Pretax return on assets | -2.1851% | 5,035 |
| Return on Equity (ROE) | -5.4571% | 4,934 |
| Retained earnings to average equity (ytd only) | -5.4571% | 4,551 |
| Net charge-offs to loans | -0.0179% | 4,298 |
| Credit loss provision to net charge-offs | 7,000.0000% | 107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 211.2948% | 23 |
| Assets per employee ($millions) | 4.0488% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 3,092 |
| Loan loss allowance to noncurrent loans | 17.9182% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 2.3628% | 308 |
| Noncurrent loans to loans | 6.2503% | 74 |
| Net loans and leases to total assets | 35.0359% | 4,811 |
| Net loans and leases to deposits | 49.4435% | 4,614 |
| Net loans and leases to core deposits | 49.9132% | 4,682 |
| Total domestic deposits to total assets | 70.8605% | 4,820 |
| Equity capital to assets | 28.6488% | 77 |
| Core capital (leverage) ratio | 28.4814% | 77 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 118.5691% | 32 |
| Memoranda: | ||
| Average total assets | $61,140,000 | 4,543 |
| Average earning assets | $59,697,000 | 4,484 |
| Average equity | $17,518,500 | 3,417 |
| Average total loans | $22,401,500 | 4,756 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0717% | 5,037 |
| Cost of funding earning assets | 0.1263% | 5,070 |
| Net interest margin | 2.9454% | 4,591 |
| Noninterest income to average assets | 0.0235% | 5,090 |
| Noninterest expense to average assets | 4.0327% | 514 |
| Loan and lease loss provision to assets | 0.1426% | 1,496 |
| Net operating income to assets | -0.8996% | 5,088 |
| Return on assets (ROA) | -0.8996% | 5,092 |
| Pretax return on assets | -1.2648% | 5,109 |
| Return on Equity (ROE) | -3.1968% | 5,051 |
| Retained earnings to average equity (ytd only) | -3.1968% | 4,918 |
| Net charge-offs to loans | 0.6314% | 288 |
| Credit loss provision to net charge-offs | 55.1515% | 3,080 |
| Earnings coverage of net charge-offs (x) | -4.3394% | 3,676 |
| Efficiency ratio | 138.5568% | 53 |
| Assets per employee ($millions) | 4.1032% | 3,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3314% | 1,789 |
| Loan loss allowance to noncurrent loans | 26.2046% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 2.0716% | 369 |
| Noncurrent loans to loans | 5.0807% | 98 |
| Net loans and leases to total assets | 37.3270% | 4,812 |
| Net loans and leases to deposits | 52.6697% | 4,584 |
| Net loans and leases to core deposits | 53.1621% | 4,672 |
| Total domestic deposits to total assets | 70.8699% | 4,900 |
| Equity capital to assets | 28.6573% | 83 |
| Core capital (leverage) ratio | 28.5791% | 79 |
| Tier 1 risk-based capital ratio | 115.6729% | 40 |
| Total risk-based capital ratio | 116.9355% | 40 |
| Memoranda: | ||
| Average total assets | $63,803,000 | 4,532 |
| Average earning assets | $62,539,000 | 4,468 |
| Average equity | $17,955,200 | 3,345 |
| Average total loans | $26,131,400 | 4,727 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1368% | 5,112 |
| Cost of funding earning assets | 0.1267% | 5,151 |
| Net interest margin | 3.0100% | 4,608 |
| Noninterest income to average assets | 0.0228% | 5,166 |
| Noninterest expense to average assets | 3.6768% | 771 |
| Loan and lease loss provision to assets | 0.1885% | 953 |
| Net operating income to assets | -0.6318% | 5,146 |
| Return on assets (ROA) | -0.6318% | 5,151 |
| Pretax return on assets | -0.8907% | 5,167 |
| Return on Equity (ROE) | -2.2549% | 5,125 |
| Retained earnings to average equity (ytd only) | -2.2549% | 4,944 |
| Net charge-offs to loans | 0.8245% | 186 |
| Credit loss provision to net charge-offs | 54.8193% | 2,747 |
| Earnings coverage of net charge-offs (x) | -2.0422% | 3,400 |
| Efficiency ratio | 123.6072% | 74 |
| Assets per employee ($millions) | 4.1009% | 3,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 2,193 |
| Loan loss allowance to noncurrent loans | 27.5156% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 1.9752% | 446 |
| Noncurrent loans to loans | 4.5684% | 124 |
| Net loans and leases to total assets | 39.4600% | 4,832 |
| Net loans and leases to deposits | 55.9299% | 4,556 |
| Net loans and leases to core deposits | 56.4541% | 4,672 |
| Total domestic deposits to total assets | 70.5526% | 4,972 |
| Equity capital to assets | 29.1109% | 78 |
| Core capital (leverage) ratio | 28.5397% | 78 |
| Tier 1 risk-based capital ratio | 116.0957% | 38 |
| Total risk-based capital ratio | 117.3575% | 38 |
| Memoranda: | ||
| Average total assets | $64,366,750 | 4,586 |
| Average earning assets | $63,120,250 | 4,506 |
| Average equity | $18,034,500 | 3,357 |
| Average total loans | $26,843,250 | 4,781 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1956% | 5,153 |
| Cost of funding earning assets | 0.1279% | 5,195 |
| Net interest margin | 3.0676% | 4,590 |
| Noninterest income to average assets | 0.0214% | 5,211 |
| Noninterest expense to average assets | 3.7172% | 738 |
| Loan and lease loss provision to assets | 0.4256% | 285 |
| Net operating income to assets | -0.7930% | 5,211 |
| Return on assets (ROA) | -0.7930% | 5,214 |
| Pretax return on assets | -1.1115% | 5,231 |
| Return on Equity (ROE) | -2.8655% | 5,185 |
| Retained earnings to average equity (ytd only) | -2.8655% | 4,966 |
| Net charge-offs to loans | 1.2103% | 107 |
| Credit loss provision to net charge-offs | 83.2335% | 2,195 |
| Earnings coverage of net charge-offs (x) | -1.3413% | 3,122 |
| Efficiency ratio | 122.6263% | 74 |
| Assets per employee ($millions) | 4.2248% | 3,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 1,810 |
| Loan loss allowance to noncurrent loans | 31.2830% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 1.9409% | 487 |
| Noncurrent loans to loans | 4.3145% | 150 |
| Net loans and leases to total assets | 41.0591% | 4,817 |
| Net loans and leases to deposits | 57.5422% | 4,536 |
| Net loans and leases to core deposits | 58.0596% | 4,641 |
| Total domestic deposits to total assets | 71.3549% | 5,003 |
| Equity capital to assets | 28.3295% | 81 |
| Core capital (leverage) ratio | 27.9742% | 86 |
| Tier 1 risk-based capital ratio | 108.0920% | 42 |
| Total risk-based capital ratio | 109.3504% | 42 |
| Memoranda: | ||
| Average total assets | $65,318,000 | 4,601 |
| Average earning assets | $64,089,000 | 4,523 |
| Average equity | $18,077,000 | 3,343 |
| Average total loans | $27,597,000 | 4,794 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1756% | 5,216 |
| Cost of funding earning assets | 0.1290% | 5,244 |
| Net interest margin | 3.0466% | 4,678 |
| Noninterest income to average assets | 0.0181% | 5,280 |
| Noninterest expense to average assets | 4.2419% | 378 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.8810% | 5,282 |
| Return on assets (ROA) | -0.8810% | 5,278 |
| Pretax return on assets | -1.2309% | 5,289 |
| Return on Equity (ROE) | -3.2196% | 5,240 |
| Retained earnings to average equity (ytd only) | -3.2196% | 4,827 |
| Net charge-offs to loans | 0.1276% | 986 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | -22.6667% | 2,725 |
| Efficiency ratio | 140.8818% | 48 |
| Assets per employee ($millions) | 4.3750% | 3,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3520% | 1,860 |
| Loan loss allowance to noncurrent loans | 28.6041% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 2.1379% | 422 |
| Noncurrent loans to loans | 4.7265% | 129 |
| Net loans and leases to total assets | 41.6945% | 4,841 |
| Net loans and leases to deposits | 57.8026% | 4,518 |
| Net loans and leases to core deposits | 58.2989% | 4,636 |
| Total domestic deposits to total assets | 72.1326% | 5,036 |
| Equity capital to assets | 27.5291% | 88 |
| Core capital (leverage) ratio | 27.4981% | 87 |
| Tier 1 risk-based capital ratio | 101.4488% | 40 |
| Total risk-based capital ratio | 102.7066% | 40 |
| Memoranda: | ||
| Average total assets | $66,291,000 | 4,635 |
| Average earning assets | $65,121,500 | 4,559 |
| Average equity | $18,139,000 | 3,343 |
| Average total loans | $28,207,500 | 4,836 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2141% | 5,141 |
| Cost of funding earning assets | 0.1400% | 5,206 |
| Net interest margin | 3.0741% | 4,687 |
| Noninterest income to average assets | 0.0230% | 5,315 |
| Noninterest expense to average assets | 3.0226% | 1,998 |
| Loan and lease loss provision to assets | -0.0287% | 5,152 |
| Net operating income to assets | 0.0287% | 5,219 |
| Return on assets (ROA) | 0.0287% | 5,215 |
| Pretax return on assets | 0.0531% | 5,206 |
| Return on Equity (ROE) | 0.1100% | 5,224 |
| Retained earnings to average equity (ytd only) | 0.1100% | 4,954 |
| Net charge-offs to loans | -0.0224% | 4,728 |
| Credit loss provision to net charge-offs | 333.3333% | 932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1996% | 152 |
| Assets per employee ($millions) | 4.4638% | 3,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 1,877 |
| Loan loss allowance to noncurrent loans | 27.8059% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 2.0625% | 453 |
| Noncurrent loans to loans | 4.8155% | 119 |
| Net loans and leases to total assets | 42.2570% | 4,874 |
| Net loans and leases to deposits | 58.3081% | 4,559 |
| Net loans and leases to core deposits | 58.7952% | 4,676 |
| Total domestic deposits to total assets | 72.4719% | 5,047 |
| Equity capital to assets | 27.1995% | 87 |
| Core capital (leverage) ratio | 27.1396% | 87 |
| Tier 1 risk-based capital ratio | 98.4645% | 41 |
| Total risk-based capital ratio | 99.7243% | 41 |
| Memoranda: | ||
| Average total assets | $69,708,200 | 4,583 |
| Average earning assets | $68,572,800 | 4,520 |
| Average equity | $18,179,400 | 3,276 |
| Average total loans | $26,807,200 | 4,893 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1851% | 5,204 |
| Cost of funding earning assets | 0.1425% | 5,240 |
| Net interest margin | 3.0426% | 4,793 |
| Noninterest income to average assets | 0.0227% | 5,393 |
| Noninterest expense to average assets | 3.0380% | 1,903 |
| Loan and lease loss provision to assets | -0.0189% | 5,233 |
| Net operating income to assets | -0.0152% | 5,304 |
| Return on assets (ROA) | -0.0152% | 5,299 |
| Pretax return on assets | -0.0038% | 5,296 |
| Return on Equity (ROE) | -0.0587% | 5,298 |
| Retained earnings to average equity (ytd only) | -0.0587% | 5,044 |
| Net charge-offs to loans | -0.0253% | 4,693 |
| Credit loss provision to net charge-offs | 200.0000% | 1,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7538% | 144 |
| Assets per employee ($millions) | 4.5097% | 3,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 2,013 |
| Loan loss allowance to noncurrent loans | 28.2734% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 2.0548% | 512 |
| Noncurrent loans to loans | 4.6605% | 153 |
| Net loans and leases to total assets | 43.5095% | 4,900 |
| Net loans and leases to deposits | 59.6828% | 4,566 |
| Net loans and leases to core deposits | 60.1734% | 4,696 |
| Total domestic deposits to total assets | 72.9012% | 5,065 |
| Equity capital to assets | 26.8815% | 93 |
| Core capital (leverage) ratio | 26.4625% | 93 |
| Tier 1 risk-based capital ratio | 93.8142% | 44 |
| Total risk-based capital ratio | 95.0730% | 43 |
| Memoranda: | ||
| Average total assets | $70,396,000 | 4,623 |
| Average earning assets | $69,237,750 | 4,555 |
| Average equity | $18,171,250 | 3,296 |
| Average total loans | $26,339,500 | 4,958 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1480% | 5,267 |
| Cost of funding earning assets | 0.1426% | 5,273 |
| Net interest margin | 3.0054% | 4,872 |
| Noninterest income to average assets | 0.0224% | 5,455 |
| Noninterest expense to average assets | 3.1018% | 1,779 |
| Loan and lease loss provision to assets | 0.0112% | 3,631 |
| Net operating income to assets | -0.0925% | 5,376 |
| Return on assets (ROA) | -0.0925% | 5,370 |
| Pretax return on assets | -0.1346% | 5,381 |
| Return on Equity (ROE) | -0.3633% | 5,355 |
| Retained earnings to average equity (ytd only) | -0.3633% | 5,007 |
| Net charge-offs to loans | -0.0238% | 4,640 |
| Credit loss provision to net charge-offs | -133.3333% | 4,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1431% | 126 |
| Assets per employee ($millions) | 4.6816% | 2,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3330% | 2,020 |
| Loan loss allowance to noncurrent loans | 31.2983% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 1.8427% | 620 |
| Noncurrent loans to loans | 4.2591% | 197 |
| Net loans and leases to total assets | 42.6877% | 4,960 |
| Net loans and leases to deposits | 57.7636% | 4,654 |
| Net loans and leases to core deposits | 58.2145% | 4,786 |
| Total domestic deposits to total assets | 73.9007% | 5,053 |
| Equity capital to assets | 25.8587% | 103 |
| Core capital (leverage) ratio | 25.6646% | 102 |
| Tier 1 risk-based capital ratio | 90.2176% | 48 |
| Total risk-based capital ratio | 91.4795% | 48 |
| Memoranda: | ||
| Average total assets | $71,313,000 | 4,661 |
| Average earning assets | $70,140,670 | 4,590 |
| Average equity | $18,167,000 | 3,314 |
| Average total loans | $25,177,670 | 5,049 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0287% | 5,355 |
| Cost of funding earning assets | 0.1415% | 5,305 |
| Net interest margin | 2.8871% | 5,051 |
| Noninterest income to average assets | 0.0223% | 5,528 |
| Noninterest expense to average assets | 3.1896% | 1,588 |
| Loan and lease loss provision to assets | 0.0056% | 3,435 |
| Net operating income to assets | -0.2282% | 5,455 |
| Return on assets (ROA) | -0.2282% | 5,449 |
| Pretax return on assets | -0.3340% | 5,473 |
| Return on Equity (ROE) | -0.9025% | 5,418 |
| Retained earnings to average equity (ytd only) | -0.9025% | 4,906 |
| Net charge-offs to loans | 0.0177% | 2,155 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | -59.0000% | 2,710 |
| Efficiency ratio | 111.4786% | 93 |
| Assets per employee ($millions) | 4.4575% | 3,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8112% | 770 |
| Loan loss allowance to noncurrent loans | 27.9102% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 1.9994% | 573 |
| Noncurrent loans to loans | 6.4895% | 85 |
| Net loans and leases to total assets | 30.2524% | 5,361 |
| Net loans and leases to deposits | 40.7087% | 5,251 |
| Net loans and leases to core deposits | 41.0190% | 5,285 |
| Total domestic deposits to total assets | 74.3144% | 5,120 |
| Equity capital to assets | 25.4501% | 98 |
| Core capital (leverage) ratio | 25.2754% | 103 |
| Tier 1 risk-based capital ratio | 112.2372% | 37 |
| Total risk-based capital ratio | 113.5048% | 37 |
| Memoranda: | ||
| Average total assets | $71,857,500 | 4,710 |
| Average earning assets | $70,658,500 | 4,628 |
| Average equity | $18,171,000 | 3,340 |
| Average total loans | $22,575,500 | 5,193 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9738% | 5,377 |
| Cost of funding earning assets | 0.1494% | 5,265 |
| Net interest margin | 2.8244% | 5,142 |
| Noninterest income to average assets | 0.0242% | 5,576 |
| Noninterest expense to average assets | 2.7082% | 3,102 |
| Loan and lease loss provision to assets | 0.1479% | 1,541 |
| Net operating income to assets | -0.0766% | 5,406 |
| Return on assets (ROA) | -0.0766% | 5,408 |
| Pretax return on assets | -0.0605% | 5,459 |
| Return on Equity (ROE) | -0.3112% | 5,390 |
| Retained earnings to average equity (ytd only) | -0.3112% | 5,091 |
| Net charge-offs to loans | 0.9265% | 205 |
| Credit loss provision to net charge-offs | 47.2103% | 3,363 |
| Earnings coverage of net charge-offs (x) | 0.2790% | 4,000 |
| Efficiency ratio | 96.8735% | 234 |
| Assets per employee ($millions) | 4.5288% | 3,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7172% | 913 |
| Loan loss allowance to noncurrent loans | 26.7293% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 2.0549% | 535 |
| Noncurrent loans to loans | 6.4245% | 76 |
| Net loans and leases to total assets | 31.4362% | 5,403 |
| Net loans and leases to deposits | 42.2091% | 5,291 |
| Net loans and leases to core deposits | 42.5251% | 5,332 |
| Total domestic deposits to total assets | 74.4773% | 5,142 |
| Equity capital to assets | 25.1956% | 96 |
| Core capital (leverage) ratio | 24.9904% | 99 |
| Tier 1 risk-based capital ratio | 108.8735% | 37 |
| Total risk-based capital ratio | 110.1378% | 37 |
| Memoranda: | ||
| Average total assets | $74,368,000 | 4,703 |
| Average earning assets | $72,970,600 | 4,597 |
| Average equity | $18,314,200 | 3,325 |
| Average total loans | $25,148,400 | 5,153 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9872% | 5,418 |
| Cost of funding earning assets | 0.1507% | 5,306 |
| Net interest margin | 2.8364% | 5,170 |
| Noninterest income to average assets | 0.0232% | 5,650 |
| Noninterest expense to average assets | 2.5652% | 3,514 |
| Loan and lease loss provision to assets | 0.1960% | 972 |
| Net operating income to assets | 0.0267% | 5,495 |
| Return on assets (ROA) | 0.0267% | 5,503 |
| Pretax return on assets | 0.0445% | 5,490 |
| Return on Equity (ROE) | 0.1091% | 5,509 |
| Retained earnings to average equity (ytd only) | 0.1091% | 5,183 |
| Net charge-offs to loans | 1.2116% | 140 |
| Credit loss provision to net charge-offs | 47.2103% | 2,942 |
| Earnings coverage of net charge-offs (x) | 0.5794% | 3,654 |
| Efficiency ratio | 91.4286% | 358 |
| Assets per employee ($millions) | 4.5986% | 2,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6334% | 1,167 |
| Loan loss allowance to noncurrent loans | 26.5157% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 2.0400% | 625 |
| Noncurrent loans to loans | 6.1600% | 96 |
| Net loans and leases to total assets | 32.5763% | 5,442 |
| Net loans and leases to deposits | 43.5388% | 5,323 |
| Net loans and leases to core deposits | 44.0615% | 5,363 |
| Total domestic deposits to total assets | 74.8213% | 5,145 |
| Equity capital to assets | 24.9123% | 104 |
| Core capital (leverage) ratio | 24.6487% | 106 |
| Tier 1 risk-based capital ratio | 105.0610% | 38 |
| Total risk-based capital ratio | 106.3220% | 38 |
| Memoranda: | ||
| Average total assets | $74,844,750 | 4,743 |
| Average earning assets | $73,423,500 | 4,638 |
| Average equity | $18,328,500 | 3,354 |
| Average total loans | $25,641,250 | 5,187 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9951% | 5,442 |
| Cost of funding earning assets | 0.1489% | 5,343 |
| Net interest margin | 2.8461% | 5,177 |
| Noninterest income to average assets | 0.0213% | 5,698 |
| Noninterest expense to average assets | 2.0992% | 4,775 |
| Loan and lease loss provision to assets | 0.4491% | 270 |
| Net operating income to assets | 0.1621% | 5,441 |
| Return on assets (ROA) | 0.1621% | 5,443 |
| Pretax return on assets | 0.2657% | 5,373 |
| Return on Equity (ROE) | 0.6656% | 5,508 |
| Retained earnings to average equity (ytd only) | 0.6656% | 4,932 |
| Net charge-offs to loans | 1.7494% | 99 |
| Credit loss provision to net charge-offs | 74.1228% | 2,332 |
| Earnings coverage of net charge-offs (x) | 1.1798% | 3,312 |
| Efficiency ratio | 74.5987% | 1,911 |
| Assets per employee ($millions) | 4.6963% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8452% | 803 |
| Loan loss allowance to noncurrent loans | 27.3697% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 2.2465% | 523 |
| Noncurrent loans to loans | 6.7418% | 77 |
| Net loans and leases to total assets | 32.7069% | 5,480 |
| Net loans and leases to deposits | 43.4044% | 5,353 |
| Net loans and leases to core deposits | 43.5984% | 5,405 |
| Total domestic deposits to total assets | 75.3540% | 5,163 |
| Equity capital to assets | 24.4557% | 108 |
| Core capital (leverage) ratio | 24.4475% | 109 |
| Tier 1 risk-based capital ratio | 89.5822% | 46 |
| Total risk-based capital ratio | 90.8448% | 46 |
| Memoranda: | ||
| Average total assets | $75,267,000 | 4,760 |
| Average earning assets | $73,855,000 | 4,659 |
| Average equity | $18,328,000 | 3,357 |
| Average total loans | $26,066,000 | 5,218 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1331% | 5,329 |
| Cost of funding earning assets | 0.1515% | 5,360 |
| Net interest margin | 2.9815% | 4,925 |
| Noninterest income to average assets | 0.0212% | 5,778 |
| Noninterest expense to average assets | 2.2408% | 4,554 |
| Loan and lease loss provision to assets | 0.8974% | 100 |
| Net operating income to assets | -0.1168% | 5,657 |
| Return on assets (ROA) | -0.1168% | 5,661 |
| Pretax return on assets | -0.1912% | 5,663 |
| Return on Equity (ROE) | -0.4808% | 5,637 |
| Retained earnings to average equity (ytd only) | -0.4808% | 4,995 |
| Net charge-offs to loans | 3.4312% | 43 |
| Credit loss provision to net charge-offs | 74.1228% | 1,796 |
| Earnings coverage of net charge-offs (x) | 0.5833% | 2,808 |
| Efficiency ratio | 76.0360% | 1,900 |
| Assets per employee ($millions) | 4.6861% | 2,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7707% | 1,015 |
| Loan loss allowance to noncurrent loans | 51.2764% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 1.2017% | 1,467 |
| Noncurrent loans to loans | 3.4533% | 358 |
| Net loans and leases to total assets | 34.1825% | 5,463 |
| Net loans and leases to deposits | 45.3113% | 5,323 |
| Net loans and leases to core deposits | 45.5141% | 5,377 |
| Total domestic deposits to total assets | 75.4391% | 5,296 |
| Equity capital to assets | 24.3981% | 112 |
| Core capital (leverage) ratio | 24.3245% | 109 |
| Tier 1 risk-based capital ratio | 87.2716% | 47 |
| Total risk-based capital ratio | 88.5359% | 47 |
| Memoranda: | ||
| Average total assets | $75,330,500 | 4,811 |
| Average earning assets | $73,921,500 | 4,709 |
| Average equity | $18,304,000 | 3,373 |
| Average total loans | $26,580,000 | 5,256 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0410% | 5,467 |
| Cost of funding earning assets | 0.1572% | 5,370 |
| Net interest margin | 2.8838% | 5,163 |
| Noninterest income to average assets | 0.0272% | 5,814 |
| Noninterest expense to average assets | 2.2602% | 4,631 |
| Loan and lease loss provision to assets | -0.0777% | 5,648 |
| Net operating income to assets | 0.4125% | 4,899 |
| Return on assets (ROA) | 0.4274% | 4,939 |
| Pretax return on assets | 0.6955% | 4,502 |
| Return on Equity (ROE) | 1.8194% | 5,436 |
| Retained earnings to average equity (ytd only) | 1.8194% | 4,490 |
| Net charge-offs to loans | -0.0708% | 5,482 |
| Credit loss provision to net charge-offs | 285.7143% | 1,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1742% | 1,528 |
| Assets per employee ($millions) | 4.7303% | 2,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9247% | 770 |
| Loan loss allowance to noncurrent loans | 56.8777% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 1.2103% | 1,487 |
| Noncurrent loans to loans | 3.3839% | 364 |
| Net loans and leases to total assets | 35.0774% | 5,516 |
| Net loans and leases to deposits | 46.4231% | 5,354 |
| Net loans and leases to core deposits | 46.6286% | 5,410 |
| Total domestic deposits to total assets | 75.5602% | 5,287 |
| Equity capital to assets | 24.1993% | 113 |
| Core capital (leverage) ratio | 24.1565% | 111 |
| Tier 1 risk-based capital ratio | 86.4364% | 46 |
| Total risk-based capital ratio | 87.7012% | 46 |
| Memoranda: | ||
| Average total assets | $77,207,000 | 4,789 |
| Average earning assets | $75,698,200 | 4,684 |
| Average equity | $18,138,200 | 3,383 |
| Average total loans | $29,659,200 | 5,200 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0789% | 5,490 |
| Cost of funding earning assets | 0.1578% | 5,429 |
| Net interest margin | 2.9211% | 5,152 |
| Noninterest income to average assets | 0.0292% | 5,883 |
| Noninterest expense to average assets | 2.3285% | 4,463 |
| Loan and lease loss provision to assets | -0.1014% | 5,792 |
| Net operating income to assets | 0.4098% | 4,983 |
| Return on assets (ROA) | 0.4296% | 5,017 |
| Pretax return on assets | 0.6960% | 4,622 |
| Return on Equity (ROE) | 1.8422% | 5,503 |
| Retained earnings to average equity (ytd only) | 1.8422% | 4,765 |
| Net charge-offs to loans | -0.0880% | 5,528 |
| Credit loss provision to net charge-offs | 295.0000% | 1,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5110% | 1,372 |
| Assets per employee ($millions) | 4.7406% | 2,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8473% | 931 |
| Loan loss allowance to noncurrent loans | 57.8889% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 1.1866% | 1,679 |
| Noncurrent loans to loans | 3.1910% | 450 |
| Net loans and leases to total assets | 36.4970% | 5,532 |
| Net loans and leases to deposits | 48.1921% | 5,371 |
| Net loans and leases to core deposits | 48.4231% | 5,440 |
| Total domestic deposits to total assets | 75.7324% | 5,263 |
| Equity capital to assets | 24.0409% | 123 |
| Core capital (leverage) ratio | 23.9433% | 114 |
| Tier 1 risk-based capital ratio | 83.7428% | 51 |
| Total risk-based capital ratio | 85.0057% | 51 |
| Memoranda: | ||
| Average total assets | $77,587,750 | 4,820 |
| Average earning assets | $76,043,250 | 4,713 |
| Average equity | $18,094,000 | 3,415 |
| Average total loans | $30,306,750 | 5,227 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0944% | 5,554 |
| Cost of funding earning assets | 0.1593% | 5,486 |
| Net interest margin | 2.9351% | 5,197 |
| Noninterest income to average assets | 0.0333% | 5,946 |
| Noninterest expense to average assets | 2.4051% | 4,321 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3159% | 5,274 |
| Return on assets (ROA) | 0.3454% | 5,276 |
| Pretax return on assets | 0.5501% | 5,025 |
| Return on Equity (ROE) | 1.4961% | 5,611 |
| Retained earnings to average equity (ytd only) | 1.4961% | 4,781 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6737% | 1,192 |
| Assets per employee ($millions) | 4.7931% | 2,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8776% | 934 |
| Loan loss allowance to noncurrent loans | 61.2022% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 1.1931% | 1,745 |
| Noncurrent loans to loans | 3.0679% | 477 |
| Net loans and leases to total assets | 38.1601% | 5,508 |
| Net loans and leases to deposits | 50.1104% | 5,331 |
| Net loans and leases to core deposits | 50.3467% | 5,416 |
| Total domestic deposits to total assets | 76.1520% | 5,265 |
| Equity capital to assets | 23.6276% | 120 |
| Core capital (leverage) ratio | 23.3849% | 112 |
| Tier 1 risk-based capital ratio | 80.4511% | 54 |
| Total risk-based capital ratio | 81.7165% | 54 |
| Memoranda: | ||
| Average total assets | $78,167,000 | 4,860 |
| Average earning assets | $76,590,670 | 4,741 |
| Average equity | $18,047,000 | 3,434 |
| Average total loans | $31,007,670 | 5,264 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0781% | 5,626 |
| Cost of funding earning assets | 0.1606% | 5,543 |
| Net interest margin | 2.9175% | 5,296 |
| Noninterest income to average assets | 0.0253% | 6,027 |
| Noninterest expense to average assets | 2.4637% | 4,187 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2585% | 5,415 |
| Return on assets (ROA) | 0.2585% | 5,483 |
| Pretax return on assets | 0.4157% | 5,273 |
| Return on Equity (ROE) | 1.1327% | 5,671 |
| Retained earnings to average equity (ytd only) | 1.1327% | 4,787 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5634% | 1,016 |
| Assets per employee ($millions) | 4.8773% | 2,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8042% | 1,143 |
| Loan loss allowance to noncurrent loans | 54.1063% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 1.4634% | 1,411 |
| Noncurrent loans to loans | 3.3345% | 431 |
| Net loans and leases to total assets | 39.0571% | 5,505 |
| Net loans and leases to deposits | 50.9214% | 5,289 |
| Net loans and leases to core deposits | 51.1556% | 5,400 |
| Total domestic deposits to total assets | 76.7008% | 5,335 |
| Equity capital to assets | 23.1121% | 127 |
| Core capital (leverage) ratio | 22.8515% | 121 |
| Tier 1 risk-based capital ratio | 77.0012% | 57 |
| Total risk-based capital ratio | 78.2650% | 57 |
| Memoranda: | ||
| Average total assets | $78,905,500 | 4,881 |
| Average earning assets | $77,189,500 | 4,764 |
| Average equity | $18,010,500 | 3,436 |
| Average total loans | $31,599,000 | 5,282 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1132% | 5,620 |
| Cost of funding earning assets | 0.1702% | 5,534 |
| Net interest margin | 2.9430% | 5,268 |
| Noninterest income to average assets | 0.0222% | 6,063 |
| Noninterest expense to average assets | 2.2016% | 5,041 |
| Loan and lease loss provision to assets | 0.1146% | 2,089 |
| Net operating income to assets | 0.3819% | 5,102 |
| Return on assets (ROA) | 0.3957% | 5,144 |
| Pretax return on assets | 0.6040% | 4,825 |
| Return on Equity (ROE) | 1.8021% | 5,620 |
| Retained earnings to average equity (ytd only) | 1.8021% | 4,703 |
| Net charge-offs to loans | 0.3203% | 934 |
| Credit loss provision to net charge-offs | 82.3009% | 2,908 |
| Earnings coverage of net charge-offs (x) | 5.0088% | 3,448 |
| Efficiency ratio | 75.9354% | 2,281 |
| Assets per employee ($millions) | 4.9859% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7413% | 1,261 |
| Loan loss allowance to noncurrent loans | 65.5738% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 1.2235% | 1,766 |
| Noncurrent loans to loans | 2.6556% | 669 |
| Net loans and leases to total assets | 39.6107% | 5,538 |
| Net loans and leases to deposits | 51.3187% | 5,319 |
| Net loans and leases to core deposits | 51.5481% | 5,429 |
| Total domestic deposits to total assets | 77.1855% | 5,284 |
| Equity capital to assets | 22.5449% | 132 |
| Core capital (leverage) ratio | 22.6397% | 118 |
| Tier 1 risk-based capital ratio | 77.1955% | 56 |
| Total risk-based capital ratio | 78.4617% | 56 |
| Memoranda: | ||
| Average total assets | $81,123,800 | 4,842 |
| Average earning assets | $79,307,000 | 4,733 |
| Average equity | $17,812,800 | 3,407 |
| Average total loans | $35,282,000 | 5,184 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1276% | 5,673 |
| Cost of funding earning assets | 0.1708% | 5,623 |
| Net interest margin | 2.9568% | 5,293 |
| Noninterest income to average assets | 0.0229% | 6,152 |
| Noninterest expense to average assets | 2.1998% | 5,052 |
| Loan and lease loss provision to assets | 0.1293% | 1,752 |
| Net operating income to assets | 0.3922% | 5,192 |
| Return on assets (ROA) | 0.4108% | 5,215 |
| Pretax return on assets | 0.6121% | 4,947 |
| Return on Equity (ROE) | 1.8833% | 5,691 |
| Retained earnings to average equity (ytd only) | 1.8833% | 4,940 |
| Net charge-offs to loans | 0.2921% | 911 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 5.5190% | 3,191 |
| Efficiency ratio | 75.5056% | 2,316 |
| Assets per employee ($millions) | 4.9689% | 2,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6710% | 1,551 |
| Loan loss allowance to noncurrent loans | 60.1660% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 1.3660% | 1,693 |
| Noncurrent loans to loans | 2.7774% | 679 |
| Net loans and leases to total assets | 42.9279% | 5,430 |
| Net loans and leases to deposits | 55.5313% | 5,151 |
| Net loans and leases to core deposits | 55.7791% | 5,319 |
| Total domestic deposits to total assets | 77.3040% | 5,295 |
| Equity capital to assets | 22.5337% | 139 |
| Core capital (leverage) ratio | 22.4277% | 126 |
| Tier 1 risk-based capital ratio | 73.0003% | 67 |
| Total risk-based capital ratio | 74.2635% | 67 |
| Memoranda: | ||
| Average total assets | $81,461,250 | 4,891 |
| Average earning assets | $79,632,750 | 4,787 |
| Average equity | $17,769,750 | 3,441 |
| Average total loans | $36,062,750 | 5,212 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1192% | 5,722 |
| Cost of funding earning assets | 0.1719% | 5,677 |
| Net interest margin | 2.9473% | 5,344 |
| Noninterest income to average assets | 0.0219% | 6,227 |
| Noninterest expense to average assets | 2.2992% | 4,847 |
| Loan and lease loss provision to assets | 0.1949% | 1,019 |
| Net operating income to assets | 0.2512% | 5,578 |
| Return on assets (ROA) | 0.2777% | 5,593 |
| Pretax return on assets | 0.4506% | 5,353 |
| Return on Equity (ROE) | 1.2866% | 5,840 |
| Retained earnings to average equity (ytd only) | 1.2866% | 5,038 |
| Net charge-offs to loans | 0.4382% | 585 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 3.1000% | 3,242 |
| Efficiency ratio | 79.1946% | 1,880 |
| Assets per employee ($millions) | 5.0595% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6263% | 1,825 |
| Loan loss allowance to noncurrent loans | 59.0631% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 1.3638% | 1,840 |
| Noncurrent loans to loans | 2.7536% | 770 |
| Net loans and leases to total assets | 43.3380% | 5,414 |
| Net loans and leases to deposits | 55.6988% | 5,138 |
| Net loans and leases to core deposits | 55.9413% | 5,314 |
| Total domestic deposits to total assets | 77.8078% | 5,313 |
| Equity capital to assets | 21.9612% | 156 |
| Core capital (leverage) ratio | 21.8135% | 139 |
| Tier 1 risk-based capital ratio | 70.8428% | 71 |
| Total risk-based capital ratio | 72.1060% | 71 |
| Memoranda: | ||
| Average total assets | $82,114,000 | 4,933 |
| Average earning assets | $80,277,330 | 4,822 |
| Average equity | $17,721,330 | 3,466 |
| Average total loans | $36,514,000 | 5,241 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1183% | 5,759 |
| Cost of funding earning assets | 0.1732% | 5,743 |
| Net interest margin | 2.9451% | 5,359 |
| Noninterest income to average assets | 0.0242% | 6,284 |
| Noninterest expense to average assets | 2.2734% | 4,945 |
| Loan and lease loss provision to assets | 0.2419% | 695 |
| Net operating income to assets | 0.2279% | 5,615 |
| Return on assets (ROA) | 0.2805% | 5,576 |
| Pretax return on assets | 0.4692% | 5,263 |
| Return on Equity (ROE) | 1.3113% | 5,852 |
| Retained earnings to average equity (ytd only) | 1.3113% | 4,962 |
| Net charge-offs to loans | 0.5414% | 457 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 2.6000% | 2,729 |
| Efficiency ratio | 78.3333% | 2,140 |
| Assets per employee ($millions) | 4.7959% | 2,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5938% | 2,072 |
| Loan loss allowance to noncurrent loans | 49.5726% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 1.5847% | 1,623 |
| Noncurrent loans to loans | 3.2150% | 637 |
| Net loans and leases to total assets | 43.9249% | 5,353 |
| Net loans and leases to deposits | 56.2410% | 5,033 |
| Net loans and leases to core deposits | 56.4831% | 5,221 |
| Total domestic deposits to total assets | 78.1013% | 5,427 |
| Equity capital to assets | 21.7368% | 156 |
| Core capital (leverage) ratio | 21.4518% | 151 |
| Tier 1 risk-based capital ratio | 68.9438% | 82 |
| Total risk-based capital ratio | 70.2042% | 83 |
| Memoranda: | ||
| Average total assets | $82,695,000 | 4,968 |
| Average earning assets | $80,812,500 | 4,849 |
| Average equity | $17,693,000 | 3,497 |
| Average total loans | $36,939,500 | 5,250 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6163% | 5,041 |
| Cost of funding earning assets | 0.1877% | 5,851 |
| Net interest margin | 3.4286% | 4,073 |
| Noninterest income to average assets | 0.0439% | 6,303 |
| Noninterest expense to average assets | 2.2792% | 5,160 |
| Loan and lease loss provision to assets | 0.1663% | 1,576 |
| Net operating income to assets | 0.5695% | 4,510 |
| Return on assets (ROA) | 0.5695% | 4,592 |
| Pretax return on assets | 0.9542% | 3,668 |
| Return on Equity (ROE) | 2.8275% | 5,531 |
| Retained earnings to average equity (ytd only) | 2.8275% | 4,228 |
| Net charge-offs to loans | 0.3962% | 1,081 |
| Credit loss provision to net charge-offs | 90.0000% | 2,652 |
| Earnings coverage of net charge-offs (x) | 6.0625% | 3,281 |
| Efficiency ratio | 67.0404% | 4,051 |
| Assets per employee ($millions) | 5.2413% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5472% | 2,267 |
| Loan loss allowance to noncurrent loans | 47.8153% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 1.4465% | 1,901 |
| Noncurrent loans to loans | 3.2358% | 671 |
| Net loans and leases to total assets | 44.0103% | 5,465 |
| Net loans and leases to deposits | 55.9570% | 5,186 |
| Net loans and leases to core deposits | 56.1896% | 5,370 |
| Total domestic deposits to total assets | 78.6501% | 5,318 |
| Equity capital to assets | 21.0637% | 189 |
| Core capital (leverage) ratio | 21.0637% | 170 |
| Tier 1 risk-based capital ratio | 67.5849% | 72 |
| Total risk-based capital ratio | 68.8476% | 72 |
| Memoranda: | ||
| Average total assets | $86,566,400 | 4,915 |
| Average earning assets | $84,728,400 | 4,768 |
| Average equity | $17,436,000 | 3,464 |
| Average total loans | $40,379,600 | 5,165 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7023% | 4,847 |
| Cost of funding earning assets | 0.1905% | 5,906 |
| Net interest margin | 3.5118% | 3,780 |
| Noninterest income to average assets | 0.0168% | 6,443 |
| Noninterest expense to average assets | 2.2450% | 5,238 |
| Loan and lease loss provision to assets | 0.2048% | 1,148 |
| Net operating income to assets | 0.5991% | 4,451 |
| Return on assets (ROA) | 0.5991% | 4,534 |
| Pretax return on assets | 1.0041% | 3,575 |
| Return on Equity (ROE) | 3.0074% | 5,538 |
| Retained earnings to average equity (ytd only) | 3.0074% | 4,472 |
| Net charge-offs to loans | 0.4347% | 910 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 5.9031% | 3,173 |
| Efficiency ratio | 65.0000% | 4,371 |
| Assets per employee ($millions) | 5.3099% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5244% | 2,598 |
| Loan loss allowance to noncurrent loans | 47.7564% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 1.5984% | 1,903 |
| Noncurrent loans to loans | 3.1920% | 796 |
| Net loans and leases to total assets | 45.3183% | 5,426 |
| Net loans and leases to deposits | 57.2572% | 5,156 |
| Net loans and leases to core deposits | 57.4897% | 5,363 |
| Total domestic deposits to total assets | 79.1488% | 5,291 |
| Equity capital to assets | 20.6723% | 205 |
| Core capital (leverage) ratio | 20.6723% | 190 |
| Tier 1 risk-based capital ratio | 64.0378% | 82 |
| Total risk-based capital ratio | 65.2994% | 82 |
| Memoranda: | ||
| Average total assets | $87,243,000 | 4,954 |
| Average earning assets | $85,386,000 | 4,807 |
| Average equity | $17,379,000 | 3,488 |
| Average total loans | $41,102,750 | 5,189 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7503% | 4,691 |
| Cost of funding earning assets | 0.1926% | 5,978 |
| Net interest margin | 3.5577% | 3,540 |
| Noninterest income to average assets | 0.0159% | 6,519 |
| Noninterest expense to average assets | 2.3794% | 4,940 |
| Loan and lease loss provision to assets | 0.0818% | 2,670 |
| Net operating income to assets | 0.6182% | 4,259 |
| Return on assets (ROA) | 0.6182% | 4,360 |
| Pretax return on assets | 1.0386% | 3,331 |
| Return on Equity (ROE) | 3.1413% | 5,479 |
| Retained earnings to average equity (ytd only) | 3.1413% | 4,206 |
| Net charge-offs to loans | 0.1724% | 2,013 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 13.6944% | 1,958 |
| Efficiency ratio | 67.9870% | 4,013 |
| Assets per employee ($millions) | 5.1122% | 2,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 3,019 |
| Loan loss allowance to noncurrent loans | 50.9837% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 1.4717% | 2,216 |
| Noncurrent loans to loans | 2.8874% | 1,030 |
| Net loans and leases to total assets | 45.8991% | 5,366 |
| Net loans and leases to deposits | 57.6004% | 5,077 |
| Net loans and leases to core deposits | 57.8275% | 5,285 |
| Total domestic deposits to total assets | 79.6854% | 5,307 |
| Equity capital to assets | 20.0695% | 215 |
| Core capital (leverage) ratio | 20.0695% | 195 |
| Tier 1 risk-based capital ratio | 60.5709% | 86 |
| Total risk-based capital ratio | 61.8315% | 86 |
| Memoranda: | ||
| Average total assets | $88,004,330 | 4,974 |
| Average earning assets | $86,179,670 | 4,823 |
| Average equity | $17,317,670 | 3,496 |
| Average total loans | $41,771,000 | 5,204 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2545% | 2,678 |
| Cost of funding earning assets | 0.1936% | 6,055 |
| Net interest margin | 4.0609% | 1,571 |
| Noninterest income to average assets | 0.0136% | 6,583 |
| Noninterest expense to average assets | 2.5522% | 4,438 |
| Loan and lease loss provision to assets | 0.1626% | 1,498 |
| Net operating income to assets | 0.7634% | 3,339 |
| Return on assets (ROA) | 0.7634% | 3,422 |
| Pretax return on assets | 1.2783% | 2,183 |
| Return on Equity (ROE) | 3.9176% | 5,082 |
| Retained earnings to average equity (ytd only) | 3.9176% | 3,763 |
| Net charge-offs to loans | 0.3395% | 1,055 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 8.8611% | 1,985 |
| Efficiency ratio | 63.9140% | 4,871 |
| Assets per employee ($millions) | 4.8671% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4295% | 3,465 |
| Loan loss allowance to noncurrent loans | 46.7085% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 1.4565% | 2,434 |
| Noncurrent loans to loans | 3.0605% | 1,030 |
| Net loans and leases to total assets | 46.9090% | 5,241 |
| Net loans and leases to deposits | 58.6943% | 4,874 |
| Net loans and leases to core deposits | 58.9232% | 5,132 |
| Total domestic deposits to total assets | 79.9208% | 5,503 |
| Equity capital to assets | 19.7927% | 221 |
| Core capital (leverage) ratio | 19.7927% | 217 |
| Tier 1 risk-based capital ratio | 58.0147% | 97 |
| Total risk-based capital ratio | 59.2726% | 96 |
| Memoranda: | ||
| Average total assets | $88,552,500 | 5,006 |
| Average earning assets | $86,778,500 | 4,850 |
| Average equity | $17,255,500 | 3,512 |
| Average total loans | $42,413,500 | 5,223 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3735% | 5,892 |
| Cost of funding earning assets | 0.2450% | 6,000 |
| Net interest margin | 3.1285% | 5,232 |
| Noninterest income to average assets | 0.0142% | 6,621 |
| Noninterest expense to average assets | 2.0874% | 5,857 |
| Loan and lease loss provision to assets | 0.0436% | 4,247 |
| Net operating income to assets | 0.5729% | 4,397 |
| Return on assets (ROA) | 0.5729% | 4,506 |
| Pretax return on assets | 0.9482% | 3,565 |
| Return on Equity (ROE) | 3.1054% | 5,465 |
| Retained earnings to average equity (ytd only) | 3.1054% | 4,025 |
| Net charge-offs to loans | 0.0885% | 3,963 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 22.7250% | 1,439 |
| Efficiency ratio | 67.7888% | 4,239 |
| Assets per employee ($millions) | 4.9721% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 3,735 |
| Loan loss allowance to noncurrent loans | 42.4501% | 5,552 |
| Noncurrent assets plus other real estate owned to assets | 1.5688% | 2,373 |
| Noncurrent loans to loans | 3.2549% | 1,026 |
| Net loans and leases to total assets | 47.5312% | 5,346 |
| Net loans and leases to deposits | 59.0352% | 5,034 |
| Net loans and leases to core deposits | 59.2581% | 5,277 |
| Total domestic deposits to total assets | 80.5133% | 5,316 |
| Equity capital to assets | 19.1861% | 253 |
| Core capital (leverage) ratio | 19.1861% | 229 |
| Tier 1 risk-based capital ratio | 55.4870% | 106 |
| Total risk-based capital ratio | 56.7440% | 105 |
| Memoranda: | ||
| Average total assets | $91,646,600 | 4,938 |
| Average earning assets | $89,787,600 | 4,777 |
| Average equity | $16,906,200 | 3,575 |
| Average total loans | $45,216,600 | 5,142 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3995% | 5,876 |
| Cost of funding earning assets | 0.2570% | 6,035 |
| Net interest margin | 3.1426% | 5,174 |
| Noninterest income to average assets | 0.0145% | 6,707 |
| Noninterest expense to average assets | 2.0625% | 5,902 |
| Loan and lease loss provision to assets | 0.0448% | 4,117 |
| Net operating income to assets | 0.5959% | 4,364 |
| Return on assets (ROA) | 0.5959% | 4,490 |
| Pretax return on assets | 0.9850% | 3,562 |
| Return on Equity (ROE) | 3.2620% | 5,508 |
| Retained earnings to average equity (ytd only) | 3.2620% | 4,354 |
| Net charge-offs to loans | 0.0904% | 3,668 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 22.9690% | 1,476 |
| Efficiency ratio | 66.6978% | 4,357 |
| Assets per employee ($millions) | 5.0234% | 2,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 4,100 |
| Loan loss allowance to noncurrent loans | 40.4068% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 1.6313% | 2,517 |
| Noncurrent loans to loans | 3.3577% | 1,158 |
| Net loans and leases to total assets | 47.9236% | 5,353 |
| Net loans and leases to deposits | 59.1763% | 5,077 |
| Net loans and leases to core deposits | 59.6118% | 5,330 |
| Total domestic deposits to total assets | 80.9845% | 5,217 |
| Equity capital to assets | 18.8651% | 269 |
| Core capital (leverage) ratio | 18.8651% | 241 |
| Tier 1 risk-based capital ratio | 54.5978% | 113 |
| Total risk-based capital ratio | 55.8557% | 113 |
| Memoranda: | ||
| Average total assets | $92,184,000 | 4,971 |
| Average earning assets | $90,284,750 | 4,800 |
| Average equity | $16,840,000 | 3,623 |
| Average total loans | $45,737,000 | 5,175 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3797% | 5,949 |
| Cost of funding earning assets | 0.2752% | 6,019 |
| Net interest margin | 3.1044% | 5,261 |
| Noninterest income to average assets | 0.0129% | 6,762 |
| Noninterest expense to average assets | 2.1235% | 5,820 |
| Loan and lease loss provision to assets | 0.0431% | 4,097 |
| Net operating income to assets | 0.5282% | 4,673 |
| Return on assets (ROA) | 0.5282% | 4,840 |
| Pretax return on assets | 0.8860% | 3,964 |
| Return on Equity (ROE) | 2.9223% | 5,648 |
| Retained earnings to average equity (ytd only) | 2.9223% | 4,450 |
| Net charge-offs to loans | 0.0863% | 3,504 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 21.5500% | 1,411 |
| Efficiency ratio | 69.5621% | 3,915 |
| Assets per employee ($millions) | 5.1189% | 1,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 4,384 |
| Loan loss allowance to noncurrent loans | 39.0564% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 1.6562% | 2,626 |
| Noncurrent loans to loans | 3.3898% | 1,262 |
| Net loans and leases to total assets | 48.2098% | 5,310 |
| Net loans and leases to deposits | 59.2233% | 5,050 |
| Net loans and leases to core deposits | 59.8900% | 5,267 |
| Total domestic deposits to total assets | 81.4035% | 5,232 |
| Equity capital to assets | 18.3317% | 293 |
| Core capital (leverage) ratio | 18.3317% | 265 |
| Tier 1 risk-based capital ratio | 52.9731% | 116 |
| Total risk-based capital ratio | 54.2307% | 115 |
| Memoranda: | ||
| Average total assets | $92,771,670 | 4,991 |
| Average earning assets | $90,837,670 | 4,818 |
| Average equity | $16,767,330 | 3,658 |
| Average total loans | $46,339,670 | 5,167 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4516% | 5,828 |
| Cost of funding earning assets | 0.2898% | 6,043 |
| Net interest margin | 3.1617% | 5,057 |
| Noninterest income to average assets | 0.0129% | 6,821 |
| Noninterest expense to average assets | 2.1829% | 5,740 |
| Loan and lease loss provision to assets | 0.0645% | 3,551 |
| Net operating income to assets | 0.5113% | 4,602 |
| Return on assets (ROA) | 0.5113% | 4,750 |
| Pretax return on assets | 0.8594% | 3,916 |
| Return on Equity (ROE) | 2.8494% | 5,643 |
| Retained earnings to average equity (ytd only) | 2.8494% | 4,570 |
| Net charge-offs to loans | 0.1277% | 2,652 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 14.3333% | 1,458 |
| Efficiency ratio | 70.2628% | 3,927 |
| Assets per employee ($millions) | 5.1311% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 4,822 |
| Loan loss allowance to noncurrent loans | 31.5678% | 5,966 |
| Noncurrent assets plus other real estate owned to assets | 2.1232% | 2,210 |
| Noncurrent loans to loans | 4.0395% | 1,114 |
| Net loans and leases to total assets | 49.9589% | 5,001 |
| Net loans and leases to deposits | 61.1930% | 4,657 |
| Net loans and leases to core deposits | 61.8758% | 4,964 |
| Total domestic deposits to total assets | 81.6414% | 5,313 |
| Equity capital to assets | 18.1518% | 318 |
| Core capital (leverage) ratio | 18.1518% | 274 |
| Tier 1 risk-based capital ratio | 51.9346% | 124 |
| Total risk-based capital ratio | 53.1923% | 123 |
| Memoranda: | ||
| Average total assets | $93,087,000 | 5,026 |
| Average earning assets | $91,089,000 | 4,863 |
| Average equity | $16,705,500 | 3,712 |
| Average total loans | $47,001,000 | 5,170 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7073% | 6,035 |
| Cost of funding earning assets | 0.4468% | 5,603 |
| Net interest margin | 3.2605% | 5,391 |
| Noninterest income to average assets | 0.0146% | 6,788 |
| Noninterest expense to average assets | 1.9759% | 6,376 |
| Loan and lease loss provision to assets | 0.2963% | 2,309 |
| Net operating income to assets | 0.5602% | 4,428 |
| Return on assets (ROA) | 0.5602% | 4,684 |
| Pretax return on assets | 0.9243% | 3,832 |
| Return on Equity (ROE) | 3.2750% | 5,439 |
| Retained earnings to average equity (ytd only) | 3.2750% | 3,923 |
| Net charge-offs to loans | 0.5612% | 2,055 |
| Credit loss provision to net charge-offs | 96.9283% | 3,207 |
| Earnings coverage of net charge-offs (x) | 3.9932% | 3,521 |
| Efficiency ratio | 61.8146% | 5,264 |
| Assets per employee ($millions) | 5.2119% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 4,816 |
| Loan loss allowance to noncurrent loans | 30.2846% | 6,050 |
| Noncurrent assets plus other real estate owned to assets | 2.1809% | 2,249 |
| Noncurrent loans to loans | 4.1638% | 1,095 |
| Net loans and leases to total assets | 49.7452% | 5,204 |
| Net loans and leases to deposits | 60.6519% | 4,951 |
| Net loans and leases to core deposits | 61.3133% | 5,236 |
| Total domestic deposits to total assets | 82.0176% | 5,086 |
| Equity capital to assets | 17.7436% | 345 |
| Core capital (leverage) ratio | 17.7436% | 299 |
| Tier 1 risk-based capital ratio | 52.1818% | 130 |
| Total risk-based capital ratio | 53.4389% | 128 |
| Memoranda: | ||
| Average total assets | $95,854,000 | 4,943 |
| Average earning assets | $93,544,000 | 4,763 |
| Average equity | $16,396,800 | 3,727 |
| Average total loans | $52,205,600 | 5,005 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7636% | 6,101 |
| Cost of funding earning assets | 0.4868% | 5,527 |
| Net interest margin | 3.2768% | 5,464 |
| Noninterest income to average assets | 0.0152% | 6,900 |
| Noninterest expense to average assets | 1.9163% | 6,497 |
| Loan and lease loss provision to assets | 0.2850% | 2,287 |
| Net operating income to assets | 0.6129% | 4,335 |
| Return on assets (ROA) | 0.6129% | 4,591 |
| Pretax return on assets | 1.0086% | 3,674 |
| Return on Equity (ROE) | 3.6160% | 5,444 |
| Retained earnings to average equity (ytd only) | 3.6160% | 4,332 |
| Net charge-offs to loans | 0.5639% | 1,922 |
| Credit loss provision to net charge-offs | 91.1504% | 3,265 |
| Earnings coverage of net charge-offs (x) | 4.1371% | 3,389 |
| Efficiency ratio | 59.6983% | 5,547 |
| Assets per employee ($millions) | 5.2625% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1910% | 5,326 |
| Loan loss allowance to noncurrent loans | 33.5244% | 5,961 |
| Noncurrent assets plus other real estate owned to assets | 1.9298% | 2,743 |
| Noncurrent loans to loans | 3.5527% | 1,529 |
| Net loans and leases to total assets | 51.2346% | 5,152 |
| Net loans and leases to deposits | 62.1822% | 4,953 |
| Net loans and leases to core deposits | 62.8653% | 5,275 |
| Total domestic deposits to total assets | 82.3943% | 4,879 |
| Equity capital to assets | 17.4737% | 401 |
| Core capital (leverage) ratio | 17.4737% | 336 |
| Tier 1 risk-based capital ratio | 50.5791% | 139 |
| Total risk-based capital ratio | 51.8350% | 137 |
| Memoranda: | ||
| Average total assets | $96,364,000 | 4,979 |
| Average earning assets | $93,950,000 | 4,797 |
| Average equity | $16,334,500 | 3,767 |
| Average total loans | $53,441,000 | 5,014 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9082% | 5,888 |
| Cost of funding earning assets | 0.5275% | 5,443 |
| Net interest margin | 3.3808% | 5,159 |
| Noninterest income to average assets | 0.0124% | 6,964 |
| Noninterest expense to average assets | 2.0080% | 6,413 |
| Loan and lease loss provision to assets | 0.2353% | 2,719 |
| Net operating income to assets | 0.6356% | 4,193 |
| Return on assets (ROA) | 0.6356% | 4,438 |
| Pretax return on assets | 1.0628% | 3,452 |
| Return on Equity (ROE) | 3.7880% | 5,366 |
| Retained earnings to average equity (ytd only) | 3.7880% | 4,094 |
| Net charge-offs to loans | 0.5248% | 2,017 |
| Credit loss provision to net charge-offs | 79.1667% | 3,342 |
| Earnings coverage of net charge-offs (x) | 4.3681% | 3,111 |
| Efficiency ratio | 60.7366% | 5,461 |
| Assets per employee ($millions) | 5.3624% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 5,832 |
| Loan loss allowance to noncurrent loans | 37.0251% | 5,814 |
| Noncurrent assets plus other real estate owned to assets | 1.6949% | 3,179 |
| Noncurrent loans to loans | 2.9360% | 2,039 |
| Net loans and leases to total assets | 54.2041% | 4,763 |
| Net loans and leases to deposits | 65.4737% | 4,581 |
| Net loans and leases to core deposits | 66.1734% | 4,981 |
| Total domestic deposits to total assets | 82.7877% | 4,829 |
| Equity capital to assets | 17.0082% | 446 |
| Core capital (leverage) ratio | 17.0082% | 369 |
| Tier 1 risk-based capital ratio | 46.2907% | 157 |
| Total risk-based capital ratio | 47.5455% | 157 |
| Memoranda: | ||
| Average total assets | $96,910,330 | 4,981 |
| Average earning assets | $94,415,670 | 4,809 |
| Average equity | $16,262,000 | 3,764 |
| Average total loans | $54,882,330 | 4,994 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8998% | 6,019 |
| Cost of funding earning assets | 0.5668% | 5,383 |
| Net interest margin | 3.3331% | 5,355 |
| Noninterest income to average assets | 0.0165% | 7,059 |
| Noninterest expense to average assets | 2.0143% | 6,437 |
| Loan and lease loss provision to assets | 0.2101% | 2,847 |
| Net operating income to assets | 0.6220% | 4,250 |
| Return on assets (ROA) | 0.6220% | 4,461 |
| Pretax return on assets | 1.0381% | 3,540 |
| Return on Equity (ROE) | 3.7320% | 5,413 |
| Retained earnings to average equity (ytd only) | 3.7320% | 4,347 |
| Net charge-offs to loans | 0.3651% | 2,209 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 5.9412% | 2,273 |
| Efficiency ratio | 61.7424% | 5,320 |
| Assets per employee ($millions) | 5.3614% | 1,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1085% | 5,875 |
| Loan loss allowance to noncurrent loans | 35.4423% | 5,883 |
| Noncurrent assets plus other real estate owned to assets | 1.7688% | 3,216 |
| Noncurrent loans to loans | 3.1277% | 2,048 |
| Net loans and leases to total assets | 55.9261% | 4,399 |
| Net loans and leases to deposits | 67.4085% | 4,160 |
| Net loans and leases to core deposits | 68.1250% | 4,663 |
| Total domestic deposits to total assets | 82.9658% | 4,943 |
| Equity capital to assets | 16.8487% | 451 |
| Core capital (leverage) ratio | 16.8487% | 371 |
| Tier 1 risk-based capital ratio | 44.3173% | 173 |
| Total risk-based capital ratio | 45.5737% | 167 |
| Memoranda: | ||
| Average total assets | $97,103,500 | 5,015 |
| Average earning assets | $94,568,000 | 4,831 |
| Average equity | $16,184,500 | 3,785 |
| Average total loans | $55,876,000 | 4,984 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4440% | 5,268 |
| Cost of funding earning assets | 0.8434% | 4,522 |
| Net interest margin | 3.6006% | 4,727 |
| Noninterest income to average assets | 0.0450% | 6,854 |
| Noninterest expense to average assets | 2.2451% | 6,174 |
| Loan and lease loss provision to assets | 0.2415% | 3,794 |
| Net operating income to assets | 0.6109% | 3,942 |
| Return on assets (ROA) | 0.6109% | 4,128 |
| Pretax return on assets | 1.0622% | 2,995 |
| Return on Equity (ROE) | 3.7786% | 4,962 |
| Retained earnings to average equity (ytd only) | 3.7786% | 3,525 |
| Net charge-offs to loans | 0.4033% | 3,402 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 5.3983% | 2,805 |
| Efficiency ratio | 63.2641% | 5,252 |
| Assets per employee ($millions) | 5.7471% | 1,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0582% | 5,970 |
| Loan loss allowance to noncurrent loans | 136.2613% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.4544% | 5,833 |
| Noncurrent loans to loans | 0.7766% | 5,133 |
| Net loans and leases to total assets | 57.9011% | 4,384 |
| Net loans and leases to deposits | 69.6246% | 4,166 |
| Net loans and leases to core deposits | 70.8338% | 4,666 |
| Total domestic deposits to total assets | 83.1619% | 4,685 |
| Equity capital to assets | 16.4881% | 517 |
| Core capital (leverage) ratio | 16.4881% | 414 |
| Tier 1 risk-based capital ratio | 43.9440% | 177 |
| Total risk-based capital ratio | 45.1989% | 175 |
| Memoranda: | ||
| Average total assets | $97,722,200 | 4,958 |
| Average earning assets | $95,094,800 | 4,782 |
| Average equity | $15,799,600 | 3,755 |
| Average total loans | $58,522,800 | 4,919 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4673% | 5,359 |
| Cost of funding earning assets | 0.8876% | 4,489 |
| Net interest margin | 3.5797% | 4,851 |
| Noninterest income to average assets | 0.0409% | 6,983 |
| Noninterest expense to average assets | 2.2074% | 6,259 |
| Loan and lease loss provision to assets | 0.2865% | 3,223 |
| Net operating income to assets | 0.5853% | 4,153 |
| Return on assets (ROA) | 0.5853% | 4,337 |
| Pretax return on assets | 1.0301% | 3,285 |
| Return on Equity (ROE) | 3.6381% | 5,157 |
| Retained earnings to average equity (ytd only) | 3.6381% | 4,160 |
| Net charge-offs to loans | 0.4757% | 2,835 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 4.5953% | 3,011 |
| Efficiency ratio | 62.6403% | 5,303 |
| Assets per employee ($millions) | 5.7730% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0442% | 6,072 |
| Loan loss allowance to noncurrent loans | 69.9422% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 0.9731% | 4,801 |
| Noncurrent loans to loans | 1.4929% | 4,055 |
| Net loans and leases to total assets | 58.4210% | 4,433 |
| Net loans and leases to deposits | 69.8841% | 4,321 |
| Net loans and leases to core deposits | 71.0814% | 4,832 |
| Total domestic deposits to total assets | 83.5971% | 4,432 |
| Equity capital to assets | 16.2430% | 593 |
| Core capital (leverage) ratio | 16.2430% | 475 |
| Tier 1 risk-based capital ratio | 44.1457% | 189 |
| Total risk-based capital ratio | 45.4002% | 187 |
| Memoranda: | ||
| Average total assets | $97,727,500 | 4,987 |
| Average earning assets | $95,088,000 | 4,815 |
| Average equity | $15,722,250 | 3,786 |
| Average total loans | $58,859,750 | 4,949 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4821% | 5,407 |
| Cost of funding earning assets | 0.9284% | 4,458 |
| Net interest margin | 3.5537% | 4,907 |
| Noninterest income to average assets | 0.0369% | 7,091 |
| Noninterest expense to average assets | 2.3199% | 6,067 |
| Loan and lease loss provision to assets | 0.2029% | 3,897 |
| Net operating income to assets | 0.5656% | 4,234 |
| Return on assets (ROA) | 0.5656% | 4,357 |
| Pretax return on assets | 0.9735% | 3,343 |
| Return on Equity (ROE) | 3.5273% | 5,156 |
| Retained earnings to average equity (ytd only) | 3.5273% | 4,004 |
| Net charge-offs to loans | 0.3346% | 3,224 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 5.7980% | 2,525 |
| Efficiency ratio | 66.3540% | 4,815 |
| Assets per employee ($millions) | 5.7510% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 6,218 |
| Loan loss allowance to noncurrent loans | 156.3307% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.5043% | 5,905 |
| Noncurrent loans to loans | 0.6584% | 5,598 |
| Net loans and leases to total assets | 59.5006% | 4,376 |
| Net loans and leases to deposits | 71.1436% | 4,267 |
| Net loans and leases to core deposits | 72.1030% | 4,807 |
| Total domestic deposits to total assets | 83.6346% | 4,492 |
| Equity capital to assets | 16.1486% | 594 |
| Core capital (leverage) ratio | 16.1486% | 487 |
| Tier 1 risk-based capital ratio | 42.2829% | 211 |
| Total risk-based capital ratio | 43.5362% | 209 |
| Memoranda: | ||
| Average total assets | $97,589,670 | 5,032 |
| Average earning assets | $95,000,670 | 4,846 |
| Average equity | $15,649,330 | 3,794 |
| Average total loans | $59,166,330 | 4,995 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4504% | 5,508 |
| Cost of funding earning assets | 0.9567% | 4,518 |
| Net interest margin | 3.4937% | 5,041 |
| Noninterest income to average assets | 0.0410% | 7,180 |
| Noninterest expense to average assets | 2.3015% | 6,182 |
| Loan and lease loss provision to assets | 0.1518% | 4,126 |
| Net operating income to assets | 0.5579% | 4,248 |
| Return on assets (ROA) | 0.5579% | 4,325 |
| Pretax return on assets | 0.9887% | 3,165 |
| Return on Equity (ROE) | 3.4917% | 5,145 |
| Retained earnings to average equity (ytd only) | 3.4917% | 4,088 |
| Net charge-offs to loans | 0.2493% | 3,089 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 7.5135% | 1,938 |
| Efficiency ratio | 66.8653% | 4,878 |
| Assets per employee ($millions) | 5.7110% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 6,326 |
| Loan loss allowance to noncurrent loans | 161.7647% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.4944% | 5,986 |
| Noncurrent loans to loans | 0.6289% | 5,780 |
| Net loans and leases to total assets | 60.6291% | 4,146 |
| Net loans and leases to deposits | 72.4610% | 3,991 |
| Net loans and leases to core deposits | 73.4493% | 4,599 |
| Total domestic deposits to total assets | 83.6713% | 4,632 |
| Equity capital to assets | 16.1175% | 555 |
| Core capital (leverage) ratio | 16.1175% | 479 |
| Tier 1 risk-based capital ratio | 41.8485% | 211 |
| Total risk-based capital ratio | 43.1028% | 209 |
| Memoranda: | ||
| Average total assets | $97,501,000 | 5,069 |
| Average earning assets | $94,913,000 | 4,889 |
| Average equity | $15,580,000 | 3,800 |
| Average total loans | $59,361,000 | 5,032 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7967% | 5,417 |
| Cost of funding earning assets | 1.2737% | 4,061 |
| Net interest margin | 3.5229% | 5,149 |
| Noninterest income to average assets | 0.0456% | 7,127 |
| Noninterest expense to average assets | 2.1146% | 6,815 |
| Loan and lease loss provision to assets | 0.4556% | 3,390 |
| Net operating income to assets | 0.5986% | 3,674 |
| Return on assets (ROA) | 0.5986% | 3,839 |
| Pretax return on assets | 0.9037% | 3,274 |
| Return on Equity (ROE) | 3.7080% | 4,650 |
| Retained earnings to average equity (ytd only) | 3.7080% | 3,268 |
| Net charge-offs to loans | 0.3642% | 4,201 |
| Credit loss provision to net charge-offs | 195.4545% | 1,624 |
| Earnings coverage of net charge-offs (x) | 5.8318% | 2,524 |
| Efficiency ratio | 60.8722% | 5,915 |
| Assets per employee ($millions) | 5.7597% | 1,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 6,283 |
| Loan loss allowance to noncurrent loans | 115.9004% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.5331% | 5,968 |
| Noncurrent loans to loans | 0.8810% | 5,306 |
| Net loans and leases to total assets | 59.8979% | 4,699 |
| Net loans and leases to deposits | 71.3874% | 4,626 |
| Net loans and leases to core deposits | 72.0920% | 5,197 |
| Total domestic deposits to total assets | 83.9054% | 4,397 |
| Equity capital to assets | 15.8423% | 612 |
| Core capital (leverage) ratio | 15.8423% | 527 |
| Tier 1 risk-based capital ratio | 42.4754% | 204 |
| Total risk-based capital ratio | 43.7295% | 195 |
| Memoranda: | ||
| Average total assets | $94,389,400 | 5,148 |
| Average earning assets | $91,855,600 | 4,950 |
| Average equity | $15,237,400 | 3,898 |
| Average total loans | $60,399,800 | 5,055 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9046% | 5,247 |
| Cost of funding earning assets | 1.3280% | 4,048 |
| Net interest margin | 3.5765% | 4,983 |
| Noninterest income to average assets | 0.0414% | 7,312 |
| Noninterest expense to average assets | 2.0547% | 6,947 |
| Loan and lease loss provision to assets | 0.5176% | 2,867 |
| Net operating income to assets | 0.6302% | 3,749 |
| Return on assets (ROA) | 0.6302% | 3,916 |
| Pretax return on assets | 0.9482% | 3,375 |
| Return on Equity (ROE) | 3.8851% | 4,831 |
| Retained earnings to average equity (ytd only) | 3.8851% | 3,731 |
| Net charge-offs to loans | 0.4130% | 3,640 |
| Credit loss provision to net charge-offs | 193.0851% | 1,852 |
| Earnings coverage of net charge-offs (x) | 5.4681% | 2,739 |
| Efficiency ratio | 58.3637% | 6,209 |
| Assets per employee ($millions) | 6.0563% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9003% | 6,741 |
| Loan loss allowance to noncurrent loans | 96.9388% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.6068% | 5,917 |
| Noncurrent loans to loans | 0.9287% | 5,383 |
| Net loans and leases to total assets | 64.7503% | 3,961 |
| Net loans and leases to deposits | 77.1633% | 3,984 |
| Net loans and leases to core deposits | 78.1893% | 4,783 |
| Total domestic deposits to total assets | 83.9133% | 4,181 |
| Equity capital to assets | 15.8813% | 702 |
| Core capital (leverage) ratio | 15.8813% | 577 |
| Tier 1 risk-based capital ratio | 41.9948% | 216 |
| Total risk-based capital ratio | 43.2474% | 213 |
| Memoranda: | ||
| Average total assets | $93,508,000 | 5,232 |
| Average earning assets | $90,960,750 | 5,040 |
| Average equity | $15,168,750 | 3,958 |
| Average total loans | $60,686,250 | 5,116 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9267% | 5,280 |
| Cost of funding earning assets | 1.3685% | 4,073 |
| Net interest margin | 3.5581% | 5,013 |
| Noninterest income to average assets | 0.0346% | 7,413 |
| Noninterest expense to average assets | 2.1564% | 6,753 |
| Loan and lease loss provision to assets | 0.3572% | 3,575 |
| Net operating income to assets | 0.6365% | 3,697 |
| Return on assets (ROA) | 0.6365% | 3,839 |
| Pretax return on assets | 0.9829% | 3,185 |
| Return on Equity (ROE) | 3.8952% | 4,823 |
| Retained earnings to average equity (ytd only) | 3.8952% | 3,608 |
| Net charge-offs to loans | 0.3511% | 3,596 |
| Credit loss provision to net charge-offs | 157.1429% | 2,510 |
| Earnings coverage of net charge-offs (x) | 5.8952% | 2,575 |
| Efficiency ratio | 61.6718% | 5,743 |
| Assets per employee ($millions) | 5.9109% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7430% | 7,167 |
| Loan loss allowance to noncurrent loans | 65.6566% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 0.7328% | 5,660 |
| Noncurrent loans to loans | 1.1317% | 5,066 |
| Net loans and leases to total assets | 64.2675% | 4,207 |
| Net loans and leases to deposits | 77.1176% | 4,142 |
| Net loans and leases to core deposits | 78.1699% | 4,926 |
| Total domestic deposits to total assets | 83.3370% | 4,424 |
| Equity capital to assets | 16.1153% | 652 |
| Core capital (leverage) ratio | 16.1153% | 553 |
| Tier 1 risk-based capital ratio | 43.3945% | 200 |
| Total risk-based capital ratio | 44.6444% | 194 |
| Memoranda: | ||
| Average total assets | $92,377,330 | 5,300 |
| Average earning assets | $89,878,330 | 5,097 |
| Average equity | $15,095,330 | 3,976 |
| Average total loans | $59,810,670 | 5,184 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0673% | 4,691 |
| Cost of funding earning assets | 1.4369% | 3,948 |
| Net interest margin | 3.6305% | 4,576 |
| Noninterest income to average assets | 0.0351% | 7,535 |
| Noninterest expense to average assets | 2.1692% | 6,755 |
| Loan and lease loss provision to assets | 0.3725% | 3,134 |
| Net operating income to assets | 0.6617% | 3,608 |
| Return on assets (ROA) | 0.6617% | 3,719 |
| Pretax return on assets | 1.0254% | 2,987 |
| Return on Equity (ROE) | 4.0206% | 4,891 |
| Retained earnings to average equity (ytd only) | 4.0206% | 3,740 |
| Net charge-offs to loans | 0.5076% | 2,548 |
| Credit loss provision to net charge-offs | 113.3333% | 3,063 |
| Earnings coverage of net charge-offs (x) | 4.2533% | 2,668 |
| Efficiency ratio | 60.8108% | 6,030 |
| Assets per employee ($millions) | 5.7169% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6779% | 7,378 |
| Loan loss allowance to noncurrent loans | 100.4963% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.4406% | 6,367 |
| Noncurrent loans to loans | 0.6746% | 5,981 |
| Net loans and leases to total assets | 64.8694% | 4,126 |
| Net loans and leases to deposits | 77.9025% | 4,064 |
| Net loans and leases to core deposits | 78.9967% | 4,896 |
| Total domestic deposits to total assets | 83.2699% | 4,490 |
| Equity capital to assets | 16.5060% | 602 |
| Core capital (leverage) ratio | 16.5060% | 503 |
| Tier 1 risk-based capital ratio | 45.6574% | 179 |
| Total risk-based capital ratio | 46.8822% | 180 |
| Memoranda: | ||
| Average total assets | $91,278,500 | 5,415 |
| Average earning assets | $88,804,000 | 5,199 |
| Average equity | $15,022,500 | 4,010 |
| Average total loans | $59,098,000 | 5,289 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0930% | 6,116 |
| Cost of funding earning assets | 1.8485% | 3,741 |
| Net interest margin | 3.2445% | 5,943 |
| Noninterest income to average assets | 0.0538% | 7,489 |
| Noninterest expense to average assets | 2.1942% | 7,007 |
| Loan and lease loss provision to assets | 0.0526% | 7,038 |
| Net operating income to assets | 0.6339% | 3,202 |
| Return on assets (ROA) | 0.6339% | 3,262 |
| Pretax return on assets | 0.9602% | 2,727 |
| Return on Equity (ROE) | 3.6996% | 4,204 |
| Retained earnings to average equity (ytd only) | 3.6996% | 2,605 |
| Net charge-offs to loans | 0.0290% | 6,841 |
| Credit loss provision to net charge-offs | 300.0000% | 1,104 |
| Earnings coverage of net charge-offs (x) | 57.7333% | 460 |
| Efficiency ratio | 68.4172% | 4,940 |
| Assets per employee ($millions) | 5.6929% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6757% | 7,422 |
| Loan loss allowance to noncurrent loans | 98.0149% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.4424% | 6,351 |
| Noncurrent loans to loans | 0.6894% | 5,856 |
| Net loans and leases to total assets | 63.7413% | 4,646 |
| Net loans and leases to deposits | 76.5337% | 4,651 |
| Net loans and leases to core deposits | 86.7292% | 5,451 |
| Total domestic deposits to total assets | 83.2852% | 4,390 |
| Equity capital to assets | 16.4096% | 634 |
| Core capital (leverage) ratio | 16.4096% | 560 |
| Tier 1 risk-based capital ratio | 45.6983% | 184 |
| Total risk-based capital ratio | 46.9060% | 183 |
| Memoranda: | ||
| Average total assets | $85,499,800 | 5,544 |
| Average earning assets | $83,094,200 | 5,360 |
| Average equity | $14,650,200 | 4,121 |
| Average total loans | $51,805,000 | 5,595 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1105% | 6,229 |
| Cost of funding earning assets | 1.9313% | 3,709 |
| Net interest margin | 3.1792% | 6,090 |
| Noninterest income to average assets | 0.0587% | 7,610 |
| Noninterest expense to average assets | 2.1893% | 7,007 |
| Loan and lease loss provision to assets | 0.0238% | 7,118 |
| Net operating income to assets | 0.6199% | 3,534 |
| Return on assets (ROA) | 0.6199% | 3,585 |
| Pretax return on assets | 0.9353% | 3,112 |
| Return on Equity (ROE) | 3.5766% | 4,547 |
| Retained earnings to average equity (ytd only) | 3.5766% | 3,287 |
| Net charge-offs to loans | 0.0399% | 6,347 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 40.3325% | 743 |
| Efficiency ratio | 69.5368% | 4,687 |
| Assets per employee ($millions) | 5.5425% | 1,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6534% | 7,481 |
| Loan loss allowance to noncurrent loans | 203.9106% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 7,021 |
| Noncurrent loans to loans | 0.3204% | 6,717 |
| Net loans and leases to total assets | 62.5834% | 5,143 |
| Net loans and leases to deposits | 75.3254% | 5,152 |
| Net loans and leases to core deposits | 85.2074% | 5,947 |
| Total domestic deposits to total assets | 83.0841% | 4,180 |
| Equity capital to assets | 16.6847% | 674 |
| Core capital (leverage) ratio | 16.6847% | 590 |
| Tier 1 risk-based capital ratio | 49.1496% | 173 |
| Total risk-based capital ratio | 50.3621% | 172 |
| Memoranda: | ||
| Average total assets | $84,103,000 | 5,620 |
| Average earning assets | $81,738,750 | 5,428 |
| Average equity | $14,576,000 | 4,175 |
| Average total loans | $50,142,500 | 5,709 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0583% | 6,587 |
| Cost of funding earning assets | 1.9854% | 3,848 |
| Net interest margin | 3.0729% | 6,324 |
| Noninterest income to average assets | 0.0630% | 7,673 |
| Noninterest expense to average assets | 2.3202% | 6,705 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4796% | 4,176 |
| Return on assets (ROA) | 0.4796% | 4,287 |
| Pretax return on assets | 0.7266% | 3,916 |
| Return on Equity (ROE) | 2.7305% | 5,006 |
| Retained earnings to average equity (ytd only) | 2.7305% | 3,814 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1526% | 3,664 |
| Assets per employee ($millions) | 5.3336% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6662% | 7,495 |
| Loan loss allowance to noncurrent loans | 86.4929% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.4945% | 6,201 |
| Noncurrent loans to loans | 0.7702% | 5,693 |
| Net loans and leases to total assets | 63.7777% | 5,030 |
| Net loans and leases to deposits | 77.2482% | 4,985 |
| Net loans and leases to core deposits | 85.9756% | 5,908 |
| Total domestic deposits to total assets | 82.5621% | 4,446 |
| Equity capital to assets | 17.1122% | 647 |
| Core capital (leverage) ratio | 17.1122% | 604 |
| Tier 1 risk-based capital ratio | 48.9409% | 191 |
| Total risk-based capital ratio | 50.1642% | 190 |
| Memoranda: | ||
| Average total assets | $82,577,330 | 5,709 |
| Average earning assets | $80,185,000 | 5,520 |
| Average equity | $14,502,670 | 4,198 |
| Average total loans | $48,235,330 | 5,838 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0460% | 6,809 |
| Cost of funding earning assets | 2.1474% | 3,424 |
| Net interest margin | 2.8987% | 6,751 |
| Noninterest income to average assets | 0.0542% | 7,808 |
| Noninterest expense to average assets | 2.1577% | 6,987 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4680% | 4,576 |
| Return on assets (ROA) | 0.4680% | 4,764 |
| Pretax return on assets | 0.7094% | 4,404 |
| Return on Equity (ROE) | 2.6293% | 5,516 |
| Retained earnings to average equity (ytd only) | 2.6293% | 4,418 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2577% | 3,609 |
| Assets per employee ($millions) | 5.0958% | 1,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7343% | 7,350 |
| Loan loss allowance to noncurrent loans | 155.9829% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.2870% | 6,652 |
| Noncurrent loans to loans | 0.4708% | 6,241 |
| Net loans and leases to total assets | 60.5161% | 5,569 |
| Net loans and leases to deposits | 73.8114% | 5,502 |
| Net loans and leases to core deposits | 82.2937% | 6,216 |
| Total domestic deposits to total assets | 81.9874% | 4,550 |
| Equity capital to assets | 17.7844% | 633 |
| Core capital (leverage) ratio | 17.7844% | 579 |
| Tier 1 risk-based capital ratio | 51.6474% | 190 |
| Total risk-based capital ratio | 52.8976% | 187 |
| Memoranda: | ||
| Average total assets | $81,197,500 | 5,778 |
| Average earning assets | $78,794,500 | 5,596 |
| Average equity | $14,452,500 | 4,235 |
| Average total loans | $44,957,500 | 6,014 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3649% | 7,513 |
| Cost of funding earning assets | 2.6054% | 3,663 |
| Net interest margin | 2.7595% | 7,395 |
| Noninterest income to average assets | 0.0334% | 7,966 |
| Noninterest expense to average assets | 2.0735% | 7,293 |
| Loan and lease loss provision to assets | 0.0396% | 6,919 |
| Net operating income to assets | 0.3971% | 5,159 |
| Return on assets (ROA) | 0.3971% | 4,972 |
| Pretax return on assets | 0.6013% | 4,686 |
| Return on Equity (ROE) | 2.2578% | 5,518 |
| Retained earnings to average equity (ytd only) | 2.2578% | 3,805 |
| Net charge-offs to loans | 0.0511% | 6,060 |
| Credit loss provision to net charge-offs | 160.0000% | 3,228 |
| Earnings coverage of net charge-offs (x) | 25.9000% | 1,312 |
| Efficiency ratio | 76.3902% | 3,171 |
| Assets per employee ($millions) | 5.0539% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9077% | 6,631 |
| Loan loss allowance to noncurrent loans | 162.9464% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.2770% | 6,472 |
| Noncurrent loans to loans | 0.5571% | 5,693 |
| Net loans and leases to total assets | 49.2747% | 7,089 |
| Net loans and leases to deposits | 60.1915% | 7,073 |
| Net loans and leases to core deposits | 66.9675% | 7,330 |
| Total domestic deposits to total assets | 81.8632% | 4,254 |
| Equity capital to assets | 17.8141% | 673 |
| Core capital (leverage) ratio | 17.8141% | 625 |
| Tier 1 risk-based capital ratio | 51.0906% | 208 |
| Total risk-based capital ratio | 52.3426% | 206 |
| Memoranda: | ||
| Average total assets | $80,829,800 | 5,670 |
| Average earning assets | $78,528,400 | 5,476 |
| Average equity | $14,217,600 | 4,287 |
| Average total loans | $39,137,400 | 6,216 |