Home > Legacy Bank > Performance and Condition Ratios
Legacy Bank, Performance and Condition Ratios
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0555% | 3,781 |
| Cost of funding earning assets | 0.1062% | 4,236 |
| Net interest margin | 2.9493% | 3,360 |
| Noninterest income to average assets | 0.8600% | 906 |
| Noninterest expense to average assets | 2.9197% | 1,023 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.6869% | 3,598 |
| Return on assets (ROA) | 0.6854% | 3,566 |
| Pretax return on assets | 0.7317% | 3,733 |
| Return on Equity (ROE) | 10.1800% | 2,671 |
| Retained earnings to average equity (ytd only) | 8.7010% | 1,756 |
| Net charge-offs to loans | 0.0123% | 1,660 |
| Credit loss provision to net charge-offs | 1,000.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 115.7778% | 866 |
| Efficiency ratio | 78.3571% | 886 |
| Assets per employee ($millions) | 5.5183% | 3,195 |
| Cash dividends to net income (ytd only)* | 14.4944% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4490% | 1,455 |
| Loan loss allowance to noncurrent loans | 100.2811% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.8058% | 623 |
| Noncurrent loans to loans | 1.4449% | 490 |
| Net loans and leases to total assets | 54.9600% | 3,009 |
| Net loans and leases to deposits | 59.0602% | 3,277 |
| Net loans and leases to core deposits | 59.3753% | 3,428 |
| Total domestic deposits to total assets | 93.0600% | 564 |
| Equity capital to assets | 6.8517% | 3,588 |
| Core capital (leverage) ratio | 7.0712% | 4,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8409% | 2,119 |
| Memoranda: | ||
| Average total assets | $173,119,000 | 3,272 |
| Average earning assets | $168,218,500 | 3,195 |
| Average equity | $11,661,250 | 3,748 |
| Average total loans | $97,624,750 | 3,195 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7987% | 3,983 |
| Cost of funding earning assets | 0.1054% | 4,135 |
| Net interest margin | 2.6934% | 3,709 |
| Noninterest income to average assets | 0.9339% | 781 |
| Noninterest expense to average assets | 2.9553% | 900 |
| Loan and lease loss provision to assets | 0.0698% | 1,365 |
| Net operating income to assets | 0.4894% | 3,924 |
| Return on assets (ROA) | 0.4861% | 3,879 |
| Pretax return on assets | 0.5210% | 3,960 |
| Return on Equity (ROE) | 7.2599% | 3,233 |
| Retained earnings to average equity (ytd only) | -2.6226% | 4,427 |
| Net charge-offs to loans | 0.0329% | 1,074 |
| Credit loss provision to net charge-offs | 375.0000% | 717 |
| Earnings coverage of net charge-offs (x) | 31.9375% | 1,363 |
| Efficiency ratio | 83.1586% | 731 |
| Assets per employee ($millions) | 5.0287% | 3,651 |
| Cash dividends to net income (ytd only)* | 136.1244% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 1,656 |
| Loan loss allowance to noncurrent loans | 103.8864% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.7602% | 688 |
| Noncurrent loans to loans | 1.3702% | 557 |
| Net loans and leases to total assets | 54.6899% | 2,891 |
| Net loans and leases to deposits | 58.5177% | 3,180 |
| Net loans and leases to core deposits | 58.8292% | 3,359 |
| Total domestic deposits to total assets | 93.4587% | 407 |
| Equity capital to assets | 6.4174% | 4,050 |
| Core capital (leverage) ratio | 6.5967% | 4,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0924% | 2,456 |
| Memoranda: | ||
| Average total assets | $171,963,667 | 3,316 |
| Average earning assets | $167,003,333 | 3,249 |
| Average equity | $11,515,333 | 3,832 |
| Average total loans | $97,338,667 | 3,222 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6848% | 3,975 |
| Cost of funding earning assets | 0.1091% | 4,030 |
| Net interest margin | 2.5757% | 3,718 |
| Noninterest income to average assets | 0.9603% | 738 |
| Noninterest expense to average assets | 2.8692% | 1,018 |
| Loan and lease loss provision to assets | 0.0706% | 1,165 |
| Net operating income to assets | 0.4943% | 3,730 |
| Return on assets (ROA) | 0.4943% | 3,694 |
| Pretax return on assets | 0.5202% | 3,835 |
| Return on Equity (ROE) | 7.2255% | 2,972 |
| Retained earnings to average equity (ytd only) | 3.7848% | 3,014 |
| Net charge-offs to loans | -0.0123% | 3,671 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8571% | 922 |
| Assets per employee ($millions) | 4.7062% | 3,993 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 1,791 |
| Loan loss allowance to noncurrent loans | 98.3595% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.8051% | 688 |
| Noncurrent loans to loans | 1.4555% | 573 |
| Net loans and leases to total assets | 54.5268% | 2,686 |
| Net loans and leases to deposits | 58.5174% | 3,033 |
| Net loans and leases to core deposits | 58.8329% | 3,250 |
| Total domestic deposits to total assets | 93.1804% | 228 |
| Equity capital to assets | 6.6743% | 4,357 |
| Core capital (leverage) ratio | 7.0308% | 4,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6676% | 2,355 |
| Memoranda: | ||
| Average total assets | $169,943,000 | 3,347 |
| Average earning assets | $164,928,000 | 3,282 |
| Average equity | $11,625,500 | 3,894 |
| Average total loans | $97,184,500 | 3,229 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2214% | 3,428 |
| Cost of funding earning assets | 0.1645% | 3,828 |
| Net interest margin | 3.0569% | 3,027 |
| Noninterest income to average assets | 1.2557% | 669 |
| Noninterest expense to average assets | 3.4664% | 502 |
| Loan and lease loss provision to assets | 0.0761% | 1,595 |
| Net operating income to assets | 0.6385% | 3,776 |
| Return on assets (ROA) | 0.6415% | 3,825 |
| Pretax return on assets | 0.6751% | 3,980 |
| Return on Equity (ROE) | 9.0726% | 2,885 |
| Retained earnings to average equity (ytd only) | 7.1881% | 1,848 |
| Net charge-offs to loans | 0.0146% | 2,024 |
| Credit loss provision to net charge-offs | 857.1429% | 578 |
| Earnings coverage of net charge-offs (x) | 84.2143% | 967 |
| Efficiency ratio | 82.1740% | 663 |
| Assets per employee ($millions) | 4.2501% | 4,297 |
| Cash dividends to net income (ytd only)* | 20.7715% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3729% | 2,033 |
| Loan loss allowance to noncurrent loans | 93.8633% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.8651% | 679 |
| Noncurrent loans to loans | 1.4626% | 626 |
| Net loans and leases to total assets | 58.3367% | 2,335 |
| Net loans and leases to deposits | 62.8018% | 2,796 |
| Net loans and leases to core deposits | 63.0422% | 3,068 |
| Total domestic deposits to total assets | 92.8901% | 55 |
| Equity capital to assets | 7.0158% | 4,714 |
| Core capital (leverage) ratio | 6.9660% | 4,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0214% | 2,243 |
| Memoranda: | ||
| Average total assets | $157,596,400 | 3,417 |
| Average earning assets | $152,542,000 | 3,355 |
| Average equity | $11,143,400 | 4,019 |
| Average total loans | $96,168,200 | 3,246 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3651% | 3,205 |
| Cost of funding earning assets | 0.1745% | 3,873 |
| Net interest margin | 3.1906% | 2,757 |
| Noninterest income to average assets | 1.3285% | 670 |
| Noninterest expense to average assets | 3.4362% | 508 |
| Loan and lease loss provision to assets | 0.0771% | 1,522 |
| Net operating income to assets | 0.8564% | 3,370 |
| Return on assets (ROA) | 0.8597% | 3,420 |
| Pretax return on assets | 0.9051% | 3,680 |
| Return on Equity (ROE) | 12.1330% | 1,999 |
| Retained earnings to average equity (ytd only) | 9.5927% | 1,452 |
| Net charge-offs to loans | 0.0251% | 1,541 |
| Credit loss provision to net charge-offs | 500.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 63.4444% | 1,111 |
| Efficiency ratio | 77.7519% | 895 |
| Assets per employee ($millions) | 4.1235% | 4,375 |
| Cash dividends to net income (ytd only)* | 20.9372% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4264% | 1,911 |
| Loan loss allowance to noncurrent loans | 79.2271% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 1.0297% | 629 |
| Noncurrent loans to loans | 1.8004% | 536 |
| Net loans and leases to total assets | 56.3793% | 2,688 |
| Net loans and leases to deposits | 60.8438% | 3,154 |
| Net loans and leases to core deposits | 61.0840% | 3,395 |
| Total domestic deposits to total assets | 92.6624% | 56 |
| Equity capital to assets | 7.2368% | 4,768 |
| Core capital (leverage) ratio | 7.1991% | 4,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7792% | 2,054 |
| Memoranda: | ||
| Average total assets | $155,556,750 | 3,469 |
| Average earning assets | $150,481,000 | 3,408 |
| Average equity | $11,022,000 | 4,083 |
| Average total loans | $95,699,750 | 3,294 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6330% | 2,520 |
| Cost of funding earning assets | 0.1870% | 3,883 |
| Net interest margin | 3.4461% | 2,020 |
| Noninterest income to average assets | 1.2692% | 724 |
| Noninterest expense to average assets | 3.4381% | 512 |
| Loan and lease loss provision to assets | 0.0780% | 1,541 |
| Net operating income to assets | 1.0301% | 2,787 |
| Return on assets (ROA) | 1.0338% | 2,853 |
| Pretax return on assets | 1.0884% | 3,253 |
| Return on Equity (ROE) | 14.6995% | 1,233 |
| Retained earnings to average equity (ytd only) | 10.8166% | 1,170 |
| Net charge-offs to loans | -0.0186% | 3,965 |
| Credit loss provision to net charge-offs | -666.6667% | 3,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6467% | 1,193 |
| Assets per employee ($millions) | 4.2436% | 4,298 |
| Cash dividends to net income (ytd only)* | 26.4151% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3642% | 2,130 |
| Loan loss allowance to noncurrent loans | 85.6675% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 0.9476% | 807 |
| Noncurrent loans to loans | 1.5924% | 693 |
| Net loans and leases to total assets | 58.6930% | 2,581 |
| Net loans and leases to deposits | 63.2808% | 3,076 |
| Net loans and leases to core deposits | 63.5293% | 3,333 |
| Total domestic deposits to total assets | 92.7500% | 51 |
| Equity capital to assets | 7.0875% | 4,829 |
| Core capital (leverage) ratio | 7.1203% | 4,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8308% | 2,038 |
| Memoranda: | ||
| Average total assets | $153,803,667 | 3,494 |
| Average earning assets | $148,691,333 | 3,436 |
| Average equity | $10,816,667 | 4,123 |
| Average total loans | $96,940,000 | 3,298 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1059% | 3,869 |
| Cost of funding earning assets | 0.2043% | 3,871 |
| Net interest margin | 2.9016% | 3,518 |
| Noninterest income to average assets | 1.5032% | 595 |
| Noninterest expense to average assets | 3.4995% | 465 |
| Loan and lease loss provision to assets | 0.0800% | 1,619 |
| Net operating income to assets | 0.6879% | 3,737 |
| Return on assets (ROA) | 0.6930% | 3,789 |
| Pretax return on assets | 0.7303% | 3,958 |
| Return on Equity (ROE) | 9.8949% | 2,730 |
| Retained earnings to average equity (ytd only) | 7.9920% | 2,240 |
| Net charge-offs to loans | -0.0082% | 3,595 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2384% | 741 |
| Assets per employee ($millions) | 4.0527% | 4,444 |
| Cash dividends to net income (ytd only)* | 19.2308% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3200% | 2,347 |
| Loan loss allowance to noncurrent loans | 89.7038% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 0.9487% | 886 |
| Noncurrent loans to loans | 1.4715% | 855 |
| Net loans and leases to total assets | 61.7471% | 2,314 |
| Net loans and leases to deposits | 66.4271% | 2,876 |
| Net loans and leases to core deposits | 66.5782% | 3,195 |
| Total domestic deposits to total assets | 92.9547% | 35 |
| Equity capital to assets | 6.8914% | 4,866 |
| Core capital (leverage) ratio | 7.1141% | 4,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8347% | 2,354 |
| Memoranda: | ||
| Average total assets | $150,077,500 | 3,529 |
| Average earning assets | $144,887,500 | 3,464 |
| Average equity | $10,510,500 | 4,164 |
| Average total loans | $97,432,500 | 3,298 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9634% | 2,844 |
| Cost of funding earning assets | 0.3090% | 4,093 |
| Net interest margin | 3.6545% | 1,961 |
| Noninterest income to average assets | 1.6490% | 459 |
| Noninterest expense to average assets | 4.0894% | 349 |
| Loan and lease loss provision to assets | 0.0914% | 3,216 |
| Net operating income to assets | 0.9587% | 2,442 |
| Return on assets (ROA) | 1.0001% | 2,436 |
| Pretax return on assets | 1.0336% | 2,932 |
| Return on Equity (ROE) | 14.2287% | 757 |
| Retained earnings to average equity (ytd only) | 7.0548% | 1,379 |
| Net charge-offs to loans | 0.0080% | 3,045 |
| Credit loss provision to net charge-offs | 1,714.2857% | 497 |
| Earnings coverage of net charge-offs (x) | 203.0000% | 465 |
| Efficiency ratio | 78.9985% | 962 |
| Assets per employee ($millions) | 4.0598% | 4,330 |
| Cash dividends to net income (ytd only)* | 50.4189% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 2,624 |
| Loan loss allowance to noncurrent loans | 83.4455% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.0462% | 895 |
| Noncurrent loans to loans | 1.5086% | 881 |
| Net loans and leases to total assets | 66.5476% | 2,015 |
| Net loans and leases to deposits | 71.7685% | 2,710 |
| Net loans and leases to core deposits | 71.7685% | 3,100 |
| Total domestic deposits to total assets | 92.7253% | 24 |
| Equity capital to assets | 7.1214% | 4,905 |
| Core capital (leverage) ratio | 7.2620% | 4,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9435% | 2,255 |
| Memoranda: | ||
| Average total assets | $131,289,400 | 3,612 |
| Average earning assets | $126,556,800 | 3,547 |
| Average equity | $9,227,800 | 4,282 |
| Average total loans | $88,037,200 | 3,433 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 2,353 |
| Cost of funding earning assets | 0.3263% | 4,182 |
| Net interest margin | 3.8890% | 1,375 |
| Noninterest income to average assets | 1.6607% | 430 |
| Noninterest expense to average assets | 4.0310% | 369 |
| Loan and lease loss provision to assets | 0.1881% | 2,102 |
| Net operating income to assets | 1.1534% | 1,809 |
| Return on assets (ROA) | 1.2092% | 1,736 |
| Pretax return on assets | 1.2479% | 2,232 |
| Return on Equity (ROE) | 17.2694% | 418 |
| Retained earnings to average equity (ytd only) | 7.3884% | 1,542 |
| Net charge-offs to loans | 0.0140% | 2,615 |
| Credit loss provision to net charge-offs | 2,000.0000% | 472 |
| Earnings coverage of net charge-offs (x) | 146.5556% | 616 |
| Efficiency ratio | 74.4397% | 1,367 |
| Assets per employee ($millions) | 3.9803% | 4,328 |
| Cash dividends to net income (ytd only)* | 57.2169% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 1,934 |
| Loan loss allowance to noncurrent loans | 82.3604% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 1.1313% | 919 |
| Noncurrent loans to loans | 1.6446% | 848 |
| Net loans and leases to total assets | 67.8559% | 2,266 |
| Net loans and leases to deposits | 72.7652% | 3,061 |
| Net loans and leases to core deposits | 72.7652% | 3,412 |
| Total domestic deposits to total assets | 93.2532% | 12 |
| Equity capital to assets | 6.5731% | 4,984 |
| Core capital (leverage) ratio | 6.6393% | 4,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0724% | 2,586 |
| Memoranda: | ||
| Average total assets | $127,574,000 | 3,648 |
| Average earning assets | $122,977,000 | 3,580 |
| Average equity | $8,932,750 | 4,335 |
| Average total loans | $85,421,500 | 3,493 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5579% | 1,763 |
| Cost of funding earning assets | 0.3376% | 4,325 |
| Net interest margin | 4.2204% | 883 |
| Noninterest income to average assets | 1.6141% | 400 |
| Noninterest expense to average assets | 4.0400% | 392 |
| Loan and lease loss provision to assets | 0.2426% | 1,735 |
| Net operating income to assets | 1.3612% | 1,204 |
| Return on assets (ROA) | 1.4475% | 1,111 |
| Pretax return on assets | 1.4847% | 1,491 |
| Return on Equity (ROE) | 20.2077% | 239 |
| Retained earnings to average equity (ytd only) | 13.8632% | 289 |
| Net charge-offs to loans | 0.0317% | 2,094 |
| Credit loss provision to net charge-offs | 1,153.8462% | 719 |
| Earnings coverage of net charge-offs (x) | 77.9231% | 823 |
| Efficiency ratio | 71.0624% | 1,815 |
| Assets per employee ($millions) | 3.8369% | 4,441 |
| Cash dividends to net income (ytd only)* | 31.3966% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3627% | 1,719 |
| Loan loss allowance to noncurrent loans | 80.9737% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 1.1301% | 1,000 |
| Noncurrent loans to loans | 1.6829% | 860 |
| Net loans and leases to total assets | 66.2352% | 2,595 |
| Net loans and leases to deposits | 71.1265% | 3,338 |
| Net loans and leases to core deposits | 71.1265% | 3,638 |
| Total domestic deposits to total assets | 93.1231% | 14 |
| Equity capital to assets | 6.7198% | 4,997 |
| Core capital (leverage) ratio | 7.1983% | 4,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4695% | 2,412 |
| Memoranda: | ||
| Average total assets | $123,662,000 | 3,681 |
| Average earning assets | $119,089,000 | 3,610 |
| Average equity | $8,858,000 | 4,354 |
| Average total loans | $81,952,667 | 3,546 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9891% | 3,816 |
| Cost of funding earning assets | 0.3610% | 4,480 |
| Net interest margin | 3.6280% | 2,577 |
| Noninterest income to average assets | 1.8174% | 300 |
| Noninterest expense to average assets | 4.2876% | 373 |
| Loan and lease loss provision to assets | 0.1031% | 2,395 |
| Net operating income to assets | 0.8689% | 2,620 |
| Return on assets (ROA) | 0.8623% | 2,753 |
| Pretax return on assets | 0.9070% | 3,118 |
| Return on Equity (ROE) | 11.6123% | 1,226 |
| Retained earnings to average equity (ytd only) | -1.3879% | 4,186 |
| Net charge-offs to loans | 0.2351% | 608 |
| Credit loss provision to net charge-offs | 66.6667% | 1,986 |
| Earnings coverage of net charge-offs (x) | 6.5778% | 1,979 |
| Efficiency ratio | 80.7642% | 1,064 |
| Assets per employee ($millions) | 3.3890% | 4,568 |
| Cash dividends to net income (ytd only)* | 111.9522% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4555% | 1,514 |
| Loan loss allowance to noncurrent loans | 51.0092% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 1.8919% | 461 |
| Noncurrent loans to loans | 2.8533% | 389 |
| Net loans and leases to total assets | 65.3412% | 2,893 |
| Net loans and leases to deposits | 70.7599% | 3,539 |
| Net loans and leases to core deposits | 70.7599% | 3,831 |
| Total domestic deposits to total assets | 92.3420% | 26 |
| Equity capital to assets | 7.5044% | 5,035 |
| Core capital (leverage) ratio | 7.3315% | 5,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8942% | 2,757 |
| Memoranda: | ||
| Average total assets | $116,428,500 | 3,757 |
| Average earning assets | $111,906,000 | 3,685 |
| Average equity | $8,646,000 | 4,399 |
| Average total loans | $76,552,000 | 3,634 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4090% | 3,220 |
| Cost of funding earning assets | 0.3471% | 4,601 |
| Net interest margin | 4.0619% | 1,644 |
| Noninterest income to average assets | 1.5037% | 411 |
| Noninterest expense to average assets | 4.4087% | 336 |
| Loan and lease loss provision to assets | 0.0979% | 2,094 |
| Net operating income to assets | 0.8576% | 3,366 |
| Return on assets (ROA) | 0.8618% | 3,444 |
| Pretax return on assets | 0.9081% | 3,722 |
| Return on Equity (ROE) | 11.4744% | 1,698 |
| Retained earnings to average equity (ytd only) | 3.7695% | 3,093 |
| Net charge-offs to loans | 0.1208% | 1,547 |
| Credit loss provision to net charge-offs | 112.2449% | 2,233 |
| Earnings coverage of net charge-offs (x) | 11.4796% | 2,493 |
| Efficiency ratio | 81.4053% | 839 |
| Assets per employee ($millions) | 3.0162% | 4,821 |
| Cash dividends to net income (ytd only)* | 67.1488% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4693% | 1,311 |
| Loan loss allowance to noncurrent loans | 64.5475% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 1.4843% | 687 |
| Noncurrent loans to loans | 2.2763% | 527 |
| Net loans and leases to total assets | 64.2475% | 3,165 |
| Net loans and leases to deposits | 69.4578% | 3,712 |
| Net loans and leases to core deposits | 69.4578% | 3,994 |
| Total domestic deposits to total assets | 92.4986% | 22 |
| Equity capital to assets | 7.3493% | 5,116 |
| Core capital (leverage) ratio | 7.5446% | 5,100 |
| Tier 1 risk-based capital ratio | 11.7087% | 4,522 |
| Total risk-based capital ratio | 12.9615% | 4,401 |
| Memoranda: | ||
| Average total assets | $112,323,200 | 3,799 |
| Average earning assets | $108,028,800 | 3,748 |
| Average equity | $8,436,200 | 4,456 |
| Average total loans | $81,153,400 | 3,576 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5490% | 2,897 |
| Cost of funding earning assets | 0.3451% | 4,674 |
| Net interest margin | 4.2038% | 1,371 |
| Noninterest income to average assets | 1.4042% | 460 |
| Noninterest expense to average assets | 4.2643% | 380 |
| Loan and lease loss provision to assets | 0.1081% | 1,797 |
| Net operating income to assets | 1.0210% | 2,906 |
| Return on assets (ROA) | 1.0210% | 2,979 |
| Pretax return on assets | 1.0703% | 3,375 |
| Return on Equity (ROE) | 13.5175% | 1,110 |
| Retained earnings to average equity (ytd only) | 3.1806% | 3,815 |
| Net charge-offs to loans | 0.1070% | 1,395 |
| Credit loss provision to net charge-offs | 136.3636% | 1,757 |
| Earnings coverage of net charge-offs (x) | 14.8633% | 2,227 |
| Efficiency ratio | 78.2609% | 1,074 |
| Assets per employee ($millions) | 3.1241% | 4,820 |
| Cash dividends to net income (ytd only)* | 76.4707% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 1,556 |
| Loan loss allowance to noncurrent loans | 65.4222% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.5480% | 699 |
| Noncurrent loans to loans | 2.1468% | 612 |
| Net loans and leases to total assets | 71.0925% | 2,308 |
| Net loans and leases to deposits | 77.0759% | 3,193 |
| Net loans and leases to core deposits | 77.0759% | 3,622 |
| Total domestic deposits to total assets | 92.2370% | 33 |
| Equity capital to assets | 7.5870% | 5,186 |
| Core capital (leverage) ratio | 7.6034% | 5,180 |
| Tier 1 risk-based capital ratio | 10.3802% | 5,113 |
| Total risk-based capital ratio | 11.6347% | 5,036 |
| Memoranda: | ||
| Average total assets | $110,996,250 | 3,860 |
| Average earning assets | $106,629,750 | 3,808 |
| Average equity | $8,384,000 | 4,509 |
| Average total loans | $82,266,250 | 3,596 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5747% | 2,753 |
| Cost of funding earning assets | 0.3280% | 4,745 |
| Net interest margin | 4.2468% | 1,246 |
| Noninterest income to average assets | 0.9610% | 950 |
| Noninterest expense to average assets | 4.1265% | 454 |
| Loan and lease loss provision to assets | 0.1086% | 1,726 |
| Net operating income to assets | 0.7601% | 3,792 |
| Return on assets (ROA) | 0.7601% | 3,858 |
| Pretax return on assets | 0.8036% | 4,084 |
| Return on Equity (ROE) | 10.0788% | 2,351 |
| Retained earnings to average equity (ytd only) | 0.6719% | 4,520 |
| Net charge-offs to loans | 0.1621% | 986 |
| Credit loss provision to net charge-offs | 89.5522% | 2,138 |
| Earnings coverage of net charge-offs (x) | 7.5224% | 2,481 |
| Efficiency ratio | 81.7888% | 813 |
| Assets per employee ($millions) | 3.2356% | 4,750 |
| Cash dividends to net income (ytd only)* | 93.3333% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 1,731 |
| Loan loss allowance to noncurrent loans | 246.7706% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.3965% | 2,914 |
| Noncurrent loans to loans | 0.5558% | 2,604 |
| Net loans and leases to total assets | 70.3607% | 2,479 |
| Net loans and leases to deposits | 76.1046% | 3,322 |
| Net loans and leases to core deposits | 76.1046% | 3,717 |
| Total domestic deposits to total assets | 92.4526% | 24 |
| Equity capital to assets | 7.3778% | 5,247 |
| Core capital (leverage) ratio | 7.5709% | 5,225 |
| Tier 1 risk-based capital ratio | 10.3189% | 5,165 |
| Total risk-based capital ratio | 11.5699% | 5,084 |
| Memoranda: | ||
| Average total assets | $110,505,330 | 3,893 |
| Average earning assets | $106,104,330 | 3,837 |
| Average equity | $8,334,330 | 4,537 |
| Average total loans | $82,656,330 | 3,600 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6457% | 2,395 |
| Cost of funding earning assets | 0.3100% | 4,817 |
| Net interest margin | 4.3357% | 1,034 |
| Noninterest income to average assets | 0.9346% | 956 |
| Noninterest expense to average assets | 4.2186% | 394 |
| Loan and lease loss provision to assets | 0.1100% | 1,621 |
| Net operating income to assets | 0.7587% | 3,750 |
| Return on assets (ROA) | 0.7587% | 3,796 |
| Pretax return on assets | 0.7587% | 4,152 |
| Return on Equity (ROE) | 9.9471% | 2,396 |
| Retained earnings to average equity (ytd only) | -1.6819% | 4,720 |
| Net charge-offs to loans | -0.0144% | 4,361 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8530% | 804 |
| Assets per employee ($millions) | 3.2337% | 4,802 |
| Cash dividends to net income (ytd only)* | 116.9082% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 1,761 |
| Loan loss allowance to noncurrent loans | 141.7284% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 1.7445% | 624 |
| Noncurrent loans to loans | 0.9721% | 1,718 |
| Net loans and leases to total assets | 74.7401% | 1,682 |
| Net loans and leases to deposits | 80.9921% | 2,731 |
| Net loans and leases to core deposits | 80.9921% | 3,273 |
| Total domestic deposits to total assets | 92.2807% | 51 |
| Equity capital to assets | 7.5665% | 5,252 |
| Core capital (leverage) ratio | 7.6269% | 5,270 |
| Tier 1 risk-based capital ratio | 9.9517% | 5,295 |
| Total risk-based capital ratio | 11.2024% | 5,249 |
| Memoranda: | ||
| Average total assets | $109,135,500 | 3,950 |
| Average earning assets | $104,527,500 | 3,906 |
| Average equity | $8,324,000 | 4,569 |
| Average total loans | $83,590,500 | 3,619 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3341% | 2,983 |
| Cost of funding earning assets | 0.2409% | 4,842 |
| Net interest margin | 4.0932% | 1,701 |
| Noninterest income to average assets | 1.3154% | 536 |
| Noninterest expense to average assets | 4.1793% | 406 |
| Loan and lease loss provision to assets | 0.1817% | 1,076 |
| Net operating income to assets | 0.8645% | 3,560 |
| Return on assets (ROA) | 0.8645% | 3,556 |
| Pretax return on assets | 0.8645% | 3,989 |
| Return on Equity (ROE) | 11.5725% | 1,877 |
| Retained earnings to average equity (ytd only) | 6.6966% | 1,825 |
| Net charge-offs to loans | 0.0802% | 1,989 |
| Credit loss provision to net charge-offs | 304.6875% | 1,017 |
| Earnings coverage of net charge-offs (x) | 17.5469% | 2,187 |
| Efficiency ratio | 79.8895% | 971 |
| Assets per employee ($millions) | 3.2826% | 4,755 |
| Cash dividends to net income (ytd only)* | 42.1336% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 1,906 |
| Loan loss allowance to noncurrent loans | 54.4966% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 2.8719% | 233 |
| Noncurrent loans to loans | 2.4398% | 509 |
| Net loans and leases to total assets | 76.3852% | 1,541 |
| Net loans and leases to deposits | 82.9009% | 2,632 |
| Net loans and leases to core deposits | 82.9009% | 3,189 |
| Total domestic deposits to total assets | 92.1404% | 60 |
| Equity capital to assets | 7.6888% | 5,247 |
| Core capital (leverage) ratio | 7.6625% | 5,300 |
| Tier 1 risk-based capital ratio | 9.9844% | 5,309 |
| Total risk-based capital ratio | 11.2353% | 5,262 |
| Memoranda: | ||
| Average total assets | $107,339,800 | 3,976 |
| Average earning assets | $102,536,000 | 3,939 |
| Average equity | $8,019,000 | 4,603 |
| Average total loans | $79,847,400 | 3,671 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3473% | 2,798 |
| Cost of funding earning assets | 0.2283% | 4,901 |
| Net interest margin | 4.1190% | 1,572 |
| Noninterest income to average assets | 1.2935% | 577 |
| Noninterest expense to average assets | 4.1744% | 409 |
| Loan and lease loss provision to assets | 0.1121% | 1,809 |
| Net operating income to assets | 0.9387% | 3,356 |
| Return on assets (ROA) | 0.9387% | 3,358 |
| Pretax return on assets | 0.9387% | 3,902 |
| Return on Equity (ROE) | 12.6589% | 1,558 |
| Retained earnings to average equity (ytd only) | 6.6485% | 2,311 |
| Net charge-offs to loans | -0.0524% | 4,944 |
| Credit loss provision to net charge-offs | -290.3226% | 4,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7951% | 959 |
| Assets per employee ($millions) | 2.7216% | 5,200 |
| Cash dividends to net income (ytd only)* | 47.4799% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3597% | 1,846 |
| Loan loss allowance to noncurrent loans | 90.2041% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 2.3035% | 406 |
| Noncurrent loans to loans | 1.5074% | 1,079 |
| Net loans and leases to total assets | 75.5200% | 1,727 |
| Net loans and leases to deposits | 81.9615% | 2,824 |
| Net loans and leases to core deposits | 81.9615% | 3,330 |
| Total domestic deposits to total assets | 92.1409% | 73 |
| Equity capital to assets | 7.6830% | 5,269 |
| Core capital (leverage) ratio | 7.5625% | 5,385 |
| Tier 1 risk-based capital ratio | 10.1341% | 5,353 |
| Total risk-based capital ratio | 11.3851% | 5,284 |
| Memoranda: | ||
| Average total assets | $107,093,250 | 4,024 |
| Average earning assets | $102,222,750 | 3,984 |
| Average equity | $7,941,500 | 4,662 |
| Average total loans | $78,844,250 | 3,718 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1253% | 3,363 |
| Cost of funding earning assets | 0.2165% | 4,941 |
| Net interest margin | 3.9088% | 2,173 |
| Noninterest income to average assets | 1.2885% | 581 |
| Noninterest expense to average assets | 4.1374% | 453 |
| Loan and lease loss provision to assets | 0.1117% | 1,770 |
| Net operating income to assets | 0.7709% | 3,952 |
| Return on assets (ROA) | 0.7709% | 3,957 |
| Pretax return on assets | 0.7709% | 4,334 |
| Return on Equity (ROE) | 10.5205% | 2,325 |
| Retained earnings to average equity (ytd only) | 2.2617% | 4,377 |
| Net charge-offs to loans | -0.0308% | 4,746 |
| Credit loss provision to net charge-offs | -500.0000% | 4,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3071% | 811 |
| Assets per employee ($millions) | 3.0207% | 5,083 |
| Cash dividends to net income (ytd only)* | 78.5024% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 1,981 |
| Loan loss allowance to noncurrent loans | 172.2675% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 1.6508% | 755 |
| Noncurrent loans to loans | 0.7793% | 2,174 |
| Net loans and leases to total assets | 69.4377% | 2,663 |
| Net loans and leases to deposits | 74.8611% | 3,453 |
| Net loans and leases to core deposits | 74.8611% | 3,819 |
| Total domestic deposits to total assets | 92.7553% | 42 |
| Equity capital to assets | 7.0326% | 5,444 |
| Core capital (leverage) ratio | 7.3863% | 5,452 |
| Tier 1 risk-based capital ratio | 9.9695% | 5,438 |
| Total risk-based capital ratio | 11.2203% | 5,383 |
| Memoranda: | ||
| Average total assets | $107,409,670 | 4,059 |
| Average earning assets | $102,539,000 | 4,007 |
| Average equity | $7,870,330 | 4,716 |
| Average total loans | $78,037,330 | 3,753 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0806% | 3,297 |
| Cost of funding earning assets | 0.2192% | 4,901 |
| Net interest margin | 3.8615% | 2,189 |
| Noninterest income to average assets | 1.3418% | 520 |
| Noninterest expense to average assets | 4.2915% | 358 |
| Loan and lease loss provision to assets | 0.1140% | 1,657 |
| Net operating income to assets | 0.6196% | 4,369 |
| Return on assets (ROA) | 0.6196% | 4,379 |
| Pretax return on assets | 0.6196% | 4,640 |
| Return on Equity (ROE) | 8.2788% | 3,256 |
| Retained earnings to average equity (ytd only) | 8.2788% | 1,736 |
| Net charge-offs to loans | -0.0309% | 4,756 |
| Credit loss provision to net charge-offs | -500.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3253% | 687 |
| Assets per employee ($millions) | 2.9039% | 5,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 2,168 |
| Loan loss allowance to noncurrent loans | 187.5000% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 1.7497% | 711 |
| Noncurrent loans to loans | 0.7017% | 2,457 |
| Net loans and leases to total assets | 71.2064% | 2,298 |
| Net loans and leases to deposits | 77.0424% | 3,108 |
| Net loans and leases to core deposits | 77.0424% | 3,574 |
| Total domestic deposits to total assets | 92.4249% | 69 |
| Equity capital to assets | 7.3936% | 5,450 |
| Core capital (leverage) ratio | 7.5651% | 5,502 |
| Tier 1 risk-based capital ratio | 10.3679% | 5,395 |
| Total risk-based capital ratio | 11.6178% | 5,315 |
| Memoranda: | ||
| Average total assets | $105,232,000 | 4,138 |
| Average earning assets | $100,376,500 | 4,092 |
| Average equity | $7,875,500 | 4,766 |
| Average total loans | $77,724,500 | 3,784 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1583% | 2,849 |
| Cost of funding earning assets | 0.2248% | 4,756 |
| Net interest margin | 3.9335% | 1,975 |
| Noninterest income to average assets | 1.3265% | 601 |
| Noninterest expense to average assets | 4.2287% | 405 |
| Loan and lease loss provision to assets | 0.1071% | 2,092 |
| Net operating income to assets | 0.7226% | 3,508 |
| Return on assets (ROA) | 0.7226% | 3,548 |
| Pretax return on assets | 0.7226% | 4,456 |
| Return on Equity (ROE) | 9.8941% | 1,934 |
| Retained earnings to average equity (ytd only) | 8.9607% | 516 |
| Net charge-offs to loans | 0.0237% | 3,334 |
| Credit loss provision to net charge-offs | 611.1111% | 529 |
| Earnings coverage of net charge-offs (x) | 47.3333% | 1,131 |
| Efficiency ratio | 83.5002% | 812 |
| Assets per employee ($millions) | 2.9442% | 5,237 |
| Cash dividends to net income (ytd only)* | 9.4340% | 3,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 2,412 |
| Loan loss allowance to noncurrent loans | 183.9252% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 1.8623% | 641 |
| Noncurrent loans to loans | 0.6866% | 2,500 |
| Net loans and leases to total assets | 74.6630% | 1,815 |
| Net loans and leases to deposits | 80.9840% | 2,817 |
| Net loans and leases to core deposits | 80.9840% | 3,338 |
| Total domestic deposits to total assets | 92.1948% | 67 |
| Equity capital to assets | 7.6024% | 5,522 |
| Core capital (leverage) ratio | 7.4529% | 5,568 |
| Tier 1 risk-based capital ratio | 10.1467% | 5,497 |
| Total risk-based capital ratio | 11.3967% | 5,426 |
| Memoranda: | ||
| Average total assets | $102,679,000 | 4,193 |
| Average earning assets | $97,419,600 | 4,141 |
| Average equity | $7,499,400 | 4,860 |
| Average total loans | $75,925,000 | 3,821 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1066% | 2,969 |
| Cost of funding earning assets | 0.2236% | 4,782 |
| Net interest margin | 3.8830% | 2,096 |
| Noninterest income to average assets | 1.1671% | 751 |
| Noninterest expense to average assets | 4.1200% | 448 |
| Loan and lease loss provision to assets | 0.1040% | 2,030 |
| Net operating income to assets | 0.6225% | 4,305 |
| Return on assets (ROA) | 0.6225% | 4,353 |
| Pretax return on assets | 0.6225% | 4,796 |
| Return on Equity (ROE) | 8.6121% | 2,806 |
| Retained earnings to average equity (ytd only) | 8.6121% | 975 |
| Net charge-offs to loans | 0.0035% | 3,609 |
| Credit loss provision to net charge-offs | 4,000.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 279.1423% | 325 |
| Efficiency ratio | 84.9021% | 692 |
| Assets per employee ($millions) | 3.4613% | 4,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 2,579 |
| Loan loss allowance to noncurrent loans | 191.3215% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 2.0282% | 631 |
| Noncurrent loans to loans | 0.6586% | 2,727 |
| Net loans and leases to total assets | 73.2025% | 2,060 |
| Net loans and leases to deposits | 79.1866% | 3,049 |
| Net loans and leases to core deposits | 79.1866% | 3,522 |
| Total domestic deposits to total assets | 92.4430% | 41 |
| Equity capital to assets | 7.3884% | 5,628 |
| Core capital (leverage) ratio | 7.3603% | 5,635 |
| Tier 1 risk-based capital ratio | 9.7829% | 5,634 |
| Total risk-based capital ratio | 11.0262% | 5,609 |
| Memoranda: | ||
| Average total assets | $102,587,000 | 4,237 |
| Average earning assets | $97,207,750 | 4,186 |
| Average equity | $7,415,750 | 4,926 |
| Average total loans | $75,425,750 | 3,869 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0440% | 3,027 |
| Cost of funding earning assets | 0.2172% | 4,821 |
| Net interest margin | 3.8268% | 2,186 |
| Noninterest income to average assets | 1.1001% | 828 |
| Noninterest expense to average assets | 4.1030% | 466 |
| Loan and lease loss provision to assets | 0.0979% | 2,051 |
| Net operating income to assets | 0.5207% | 4,649 |
| Return on assets (ROA) | 0.5207% | 4,680 |
| Pretax return on assets | 0.5207% | 4,973 |
| Return on Equity (ROE) | 7.2575% | 3,420 |
| Retained earnings to average equity (ytd only) | 7.2575% | 1,471 |
| Net charge-offs to loans | 0.0160% | 2,925 |
| Credit loss provision to net charge-offs | 833.3333% | 441 |
| Earnings coverage of net charge-offs (x) | 52.6667% | 1,035 |
| Efficiency ratio | 86.7745% | 624 |
| Assets per employee ($millions) | 3.2228% | 5,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 2,800 |
| Loan loss allowance to noncurrent loans | 81.1958% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 2.8886% | 332 |
| Noncurrent loans to loans | 1.5198% | 1,234 |
| Net loans and leases to total assets | 72.7189% | 2,092 |
| Net loans and leases to deposits | 78.5346% | 3,063 |
| Net loans and leases to core deposits | 78.7423% | 3,526 |
| Total domestic deposits to total assets | 92.5948% | 42 |
| Equity capital to assets | 7.2452% | 5,688 |
| Core capital (leverage) ratio | 7.2508% | 5,687 |
| Tier 1 risk-based capital ratio | 9.7309% | 5,679 |
| Total risk-based capital ratio | 10.9601% | 5,656 |
| Memoranda: | ||
| Average total assets | $102,170,000 | 4,267 |
| Average earning assets | $96,687,330 | 4,221 |
| Average equity | $7,330,330 | 4,959 |
| Average total loans | $74,907,000 | 3,900 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0128% | 2,987 |
| Cost of funding earning assets | 0.2165% | 4,830 |
| Net interest margin | 3.7963% | 2,124 |
| Noninterest income to average assets | 1.0778% | 864 |
| Noninterest expense to average assets | 4.0869% | 489 |
| Loan and lease loss provision to assets | 0.1180% | 1,614 |
| Net operating income to assets | 0.4602% | 4,738 |
| Return on assets (ROA) | 0.4602% | 4,761 |
| Pretax return on assets | 0.4602% | 5,031 |
| Return on Equity (ROE) | 6.4467% | 3,692 |
| Retained earnings to average equity (ytd only) | 6.4467% | 2,111 |
| Net charge-offs to loans | 0.0860% | 1,489 |
| Credit loss provision to net charge-offs | 187.5000% | 1,053 |
| Earnings coverage of net charge-offs (x) | 9.1875% | 2,009 |
| Efficiency ratio | 87.5211% | 696 |
| Assets per employee ($millions) | 3.4248% | 4,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 3,056 |
| Loan loss allowance to noncurrent loans | 56.5190% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 3.2031% | 295 |
| Noncurrent loans to loans | 2.1473% | 802 |
| Net loans and leases to total assets | 71.7774% | 2,102 |
| Net loans and leases to deposits | 77.3979% | 3,042 |
| Net loans and leases to core deposits | 77.8103% | 3,488 |
| Total domestic deposits to total assets | 92.7383% | 47 |
| Equity capital to assets | 7.1255% | 5,741 |
| Core capital (leverage) ratio | 7.2065% | 5,746 |
| Tier 1 risk-based capital ratio | 9.5510% | 5,768 |
| Total risk-based capital ratio | 10.7418% | 5,761 |
| Memoranda: | ||
| Average total assets | $101,690,000 | 4,318 |
| Average earning assets | $96,093,000 | 4,269 |
| Average equity | $7,259,500 | 5,017 |
| Average total loans | $74,394,500 | 3,940 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9865% | 3,239 |
| Cost of funding earning assets | 0.2091% | 4,932 |
| Net interest margin | 3.7773% | 2,402 |
| Noninterest income to average assets | 1.0158% | 1,098 |
| Noninterest expense to average assets | 4.3315% | 437 |
| Loan and lease loss provision to assets | -0.0357% | 5,547 |
| Net operating income to assets | 0.2787% | 5,262 |
| Return on assets (ROA) | 0.2787% | 5,332 |
| Pretax return on assets | 0.2787% | 5,391 |
| Return on Equity (ROE) | 3.8700% | 4,879 |
| Retained earnings to average equity (ytd only) | 3.8700% | 3,167 |
| Net charge-offs to loans | 0.0566% | 2,920 |
| Credit loss provision to net charge-offs | -89.7436% | 4,884 |
| Earnings coverage of net charge-offs (x) | 6.1026% | 3,230 |
| Efficiency ratio | 94.5771% | 360 |
| Assets per employee ($millions) | 3.4702% | 4,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2032% | 3,104 |
| Loan loss allowance to noncurrent loans | 96.7462% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 2.4544% | 493 |
| Noncurrent loans to loans | 1.2437% | 1,652 |
| Net loans and leases to total assets | 72.7811% | 2,045 |
| Net loans and leases to deposits | 78.5021% | 3,046 |
| Net loans and leases to core deposits | 78.9284% | 3,483 |
| Total domestic deposits to total assets | 92.7123% | 55 |
| Equity capital to assets | 7.1525% | 5,782 |
| Core capital (leverage) ratio | 7.1870% | 5,793 |
| Tier 1 risk-based capital ratio | 9.6414% | 5,803 |
| Total risk-based capital ratio | 10.8427% | 5,794 |
| Memoranda: | ||
| Average total assets | $97,956,400 | 4,387 |
| Average earning assets | $92,287,400 | 4,346 |
| Average equity | $7,054,200 | 5,080 |
| Average total loans | $68,882,600 | 4,070 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9470% | 3,438 |
| Cost of funding earning assets | 0.2097% | 4,977 |
| Net interest margin | 3.7373% | 2,565 |
| Noninterest income to average assets | 1.0758% | 977 |
| Noninterest expense to average assets | 4.3650% | 423 |
| Loan and lease loss provision to assets | 0.0343% | 3,548 |
| Net operating income to assets | 0.1946% | 5,471 |
| Return on assets (ROA) | 0.1946% | 5,534 |
| Pretax return on assets | 0.1946% | 5,575 |
| Return on Equity (ROE) | 2.6977% | 5,299 |
| Retained earnings to average equity (ytd only) | 2.6977% | 4,281 |
| Net charge-offs to loans | 0.0552% | 2,572 |
| Credit loss provision to net charge-offs | 89.2857% | 2,540 |
| Earnings coverage of net charge-offs (x) | 5.9646% | 3,056 |
| Efficiency ratio | 94.8986% | 353 |
| Assets per employee ($millions) | 3.3617% | 4,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3711% | 2,337 |
| Loan loss allowance to noncurrent loans | 80.0499% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 3.5666% | 275 |
| Noncurrent loans to loans | 1.7128% | 1,220 |
| Net loans and leases to total assets | 71.0570% | 2,339 |
| Net loans and leases to deposits | 76.7923% | 3,308 |
| Net loans and leases to core deposits | 77.2229% | 3,729 |
| Total domestic deposits to total assets | 92.5314% | 49 |
| Equity capital to assets | 7.2871% | 5,865 |
| Core capital (leverage) ratio | 7.1678% | 5,862 |
| Tier 1 risk-based capital ratio | 10.0205% | 5,787 |
| Total risk-based capital ratio | 11.2710% | 5,741 |
| Memoranda: | ||
| Average total assets | $97,286,500 | 4,432 |
| Average earning assets | $91,578,250 | 4,390 |
| Average equity | $7,018,250 | 5,138 |
| Average total loans | $67,569,250 | 4,137 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8920% | 3,634 |
| Cost of funding earning assets | 0.2050% | 5,091 |
| Net interest margin | 3.6871% | 2,743 |
| Noninterest income to average assets | 0.9237% | 1,303 |
| Noninterest expense to average assets | 4.2317% | 478 |
| Loan and lease loss provision to assets | 0.0309% | 3,510 |
| Net operating income to assets | 0.1399% | 5,623 |
| Return on assets (ROA) | 0.1399% | 5,669 |
| Pretax return on assets | 0.1399% | 5,681 |
| Return on Equity (ROE) | 1.9457% | 5,521 |
| Retained earnings to average equity (ytd only) | 1.9457% | 4,588 |
| Net charge-offs to loans | 0.0960% | 1,880 |
| Credit loss provision to net charge-offs | 46.8750% | 2,700 |
| Earnings coverage of net charge-offs (x) | 2.5938% | 3,249 |
| Efficiency ratio | 95.9813% | 346 |
| Assets per employee ($millions) | 3.3927% | 4,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 2,305 |
| Loan loss allowance to noncurrent loans | 47.8086% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 3.6519% | 279 |
| Noncurrent loans to loans | 2.9259% | 518 |
| Net loans and leases to total assets | 67.9897% | 2,777 |
| Net loans and leases to deposits | 73.4773% | 3,655 |
| Net loans and leases to core deposits | 74.2967% | 3,957 |
| Total domestic deposits to total assets | 92.5315% | 49 |
| Equity capital to assets | 7.1615% | 5,953 |
| Core capital (leverage) ratio | 7.0968% | 5,937 |
| Tier 1 risk-based capital ratio | 10.6256% | 5,616 |
| Total risk-based capital ratio | 11.8774% | 5,530 |
| Memoranda: | ||
| Average total assets | $97,219,330 | 4,473 |
| Average earning assets | $91,725,670 | 4,427 |
| Average equity | $6,989,670 | 5,196 |
| Average total loans | $66,680,670 | 4,179 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7679% | 4,068 |
| Cost of funding earning assets | 0.2105% | 5,099 |
| Net interest margin | 3.5573% | 3,247 |
| Noninterest income to average assets | 0.8072% | 1,595 |
| Noninterest expense to average assets | 4.1558% | 520 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0083% | 5,776 |
| Return on assets (ROA) | 0.0083% | 5,804 |
| Pretax return on assets | 0.0083% | 5,801 |
| Return on Equity (ROE) | 0.1149% | 5,803 |
| Retained earnings to average equity (ytd only) | 0.1149% | 5,080 |
| Net charge-offs to loans | 0.1089% | 1,476 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.1111% | 2,966 |
| Efficiency ratio | 99.7018% | 299 |
| Assets per employee ($millions) | 3.2899% | 5,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4499% | 2,205 |
| Loan loss allowance to noncurrent loans | 57.7602% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 3.2939% | 362 |
| Noncurrent loans to loans | 2.5102% | 748 |
| Net loans and leases to total assets | 65.3566% | 3,052 |
| Net loans and leases to deposits | 70.4480% | 3,817 |
| Net loans and leases to core deposits | 71.2274% | 4,137 |
| Total domestic deposits to total assets | 92.7728% | 52 |
| Equity capital to assets | 7.0640% | 6,000 |
| Core capital (leverage) ratio | 7.1595% | 5,978 |
| Tier 1 risk-based capital ratio | 10.6451% | 5,686 |
| Total risk-based capital ratio | 11.8973% | 5,600 |
| Memoranda: | ||
| Average total assets | $96,635,500 | 4,520 |
| Average earning assets | $91,192,000 | 4,478 |
| Average equity | $6,961,500 | 5,241 |
| Average total loans | $66,100,000 | 4,216 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9732% | 3,420 |
| Cost of funding earning assets | 0.2122% | 5,175 |
| Net interest margin | 3.7610% | 2,519 |
| Noninterest income to average assets | 1.1287% | 931 |
| Noninterest expense to average assets | 4.3203% | 476 |
| Loan and lease loss provision to assets | 0.0865% | 2,563 |
| Net operating income to assets | 0.2670% | 5,443 |
| Return on assets (ROA) | 0.2811% | 5,487 |
| Pretax return on assets | 0.2811% | 5,558 |
| Return on Equity (ROE) | 3.8398% | 5,012 |
| Retained earnings to average equity (ytd only) | 3.8398% | 3,306 |
| Net charge-offs to loans | 0.1351% | 2,007 |
| Credit loss provision to net charge-offs | 91.9540% | 2,725 |
| Earnings coverage of net charge-offs (x) | 3.7586% | 3,666 |
| Efficiency ratio | 92.3201% | 555 |
| Assets per employee ($millions) | 3.1525% | 5,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4473% | 2,221 |
| Loan loss allowance to noncurrent loans | 41.6021% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 3.7547% | 291 |
| Noncurrent loans to loans | 3.4789% | 407 |
| Net loans and leases to total assets | 69.5540% | 2,437 |
| Net loans and leases to deposits | 75.3338% | 3,336 |
| Net loans and leases to core deposits | 75.9874% | 3,757 |
| Total domestic deposits to total assets | 92.3277% | 82 |
| Equity capital to assets | 7.3498% | 6,003 |
| Core capital (leverage) ratio | 7.2075% | 6,025 |
| Tier 1 risk-based capital ratio | 10.4356% | 5,802 |
| Total risk-based capital ratio | 11.6876% | 5,723 |
| Memoranda: | ||
| Average total assets | $92,492,600 | 4,619 |
| Average earning assets | $87,184,600 | 4,556 |
| Average equity | $6,771,200 | 5,283 |
| Average total loans | $64,410,600 | 4,245 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9371% | 3,596 |
| Cost of funding earning assets | 0.2109% | 5,282 |
| Net interest margin | 3.7262% | 2,659 |
| Noninterest income to average assets | 1.1264% | 949 |
| Noninterest expense to average assets | 4.4389% | 424 |
| Loan and lease loss provision to assets | 0.0870% | 2,421 |
| Net operating income to assets | 0.1102% | 5,835 |
| Return on assets (ROA) | 0.1102% | 5,871 |
| Pretax return on assets | 0.1102% | 5,881 |
| Return on Equity (ROE) | 1.5065% | 5,778 |
| Retained earnings to average equity (ytd only) | 1.5065% | 5,114 |
| Net charge-offs to loans | 0.1608% | 1,537 |
| Credit loss provision to net charge-offs | 77.9221% | 2,644 |
| Earnings coverage of net charge-offs (x) | 1.7663% | 3,783 |
| Efficiency ratio | 95.6223% | 426 |
| Assets per employee ($millions) | 3.1871% | 5,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 2,379 |
| Loan loss allowance to noncurrent loans | 33.8647% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 4.3840% | 253 |
| Noncurrent loans to loans | 4.2743% | 273 |
| Net loans and leases to total assets | 70.4239% | 2,323 |
| Net loans and leases to deposits | 76.2526% | 3,272 |
| Net loans and leases to core deposits | 76.2526% | 3,776 |
| Total domestic deposits to total assets | 92.3560% | 72 |
| Equity capital to assets | 7.3497% | 6,097 |
| Core capital (leverage) ratio | 7.0878% | 6,116 |
| Tier 1 risk-based capital ratio | 10.1998% | 5,979 |
| Total risk-based capital ratio | 11.4510% | 5,924 |
| Memoranda: | ||
| Average total assets | $91,972,250 | 4,679 |
| Average earning assets | $86,627,250 | 4,621 |
| Average equity | $6,726,250 | 5,362 |
| Average total loans | $63,826,750 | 4,309 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8838% | 3,755 |
| Cost of funding earning assets | 0.2128% | 5,321 |
| Net interest margin | 3.6709% | 2,834 |
| Noninterest income to average assets | 1.1435% | 917 |
| Noninterest expense to average assets | 4.5044% | 421 |
| Loan and lease loss provision to assets | 0.0871% | 2,363 |
| Net operating income to assets | 0.0087% | 5,980 |
| Return on assets (ROA) | 0.0370% | 5,996 |
| Pretax return on assets | 0.0370% | 5,988 |
| Return on Equity (ROE) | 0.5072% | 5,965 |
| Retained earnings to average equity (ytd only) | 0.5072% | 5,351 |
| Net charge-offs to loans | 0.2758% | 956 |
| Credit loss provision to net charge-offs | 45.9770% | 2,745 |
| Earnings coverage of net charge-offs (x) | 0.5057% | 3,650 |
| Efficiency ratio | 97.7746% | 383 |
| Assets per employee ($millions) | 3.1838% | 5,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4398% | 2,570 |
| Loan loss allowance to noncurrent loans | 36.3994% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 4.1580% | 309 |
| Noncurrent loans to loans | 3.9555% | 397 |
| Net loans and leases to total assets | 68.6556% | 2,542 |
| Net loans and leases to deposits | 74.3121% | 3,456 |
| Net loans and leases to core deposits | 74.9784% | 3,852 |
| Total domestic deposits to total assets | 92.3881% | 92 |
| Equity capital to assets | 7.2729% | 6,152 |
| Core capital (leverage) ratio | 7.2344% | 6,147 |
| Tier 1 risk-based capital ratio | 10.4823% | 5,929 |
| Total risk-based capital ratio | 11.7339% | 5,870 |
| Memoranda: | ||
| Average total assets | $91,821,000 | 4,730 |
| Average earning assets | $86,462,670 | 4,667 |
| Average equity | $6,704,000 | 5,412 |
| Average total loans | $63,087,000 | 4,367 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8137% | 3,955 |
| Cost of funding earning assets | 0.2134% | 5,384 |
| Net interest margin | 3.6003% | 3,001 |
| Noninterest income to average assets | 1.2450% | 737 |
| Noninterest expense to average assets | 4.4820% | 430 |
| Loan and lease loss provision to assets | 0.1311% | 1,582 |
| Net operating income to assets | 0.0218% | 5,986 |
| Return on assets (ROA) | 0.0218% | 6,025 |
| Pretax return on assets | 0.0218% | 6,026 |
| Return on Equity (ROE) | 0.2986% | 6,013 |
| Retained earnings to average equity (ytd only) | 0.2986% | 5,275 |
| Net charge-offs to loans | 0.4930% | 509 |
| Credit loss provision to net charge-offs | 38.9610% | 2,195 |
| Earnings coverage of net charge-offs (x) | 0.4545% | 3,053 |
| Efficiency ratio | 96.6070% | 478 |
| Assets per employee ($millions) | 3.4200% | 5,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4720% | 2,570 |
| Loan loss allowance to noncurrent loans | 28.6687% | 5,574 |
| Noncurrent assets plus other real estate owned to assets | 4.9014% | 254 |
| Noncurrent loans to loans | 5.1344% | 252 |
| Net loans and leases to total assets | 67.1240% | 2,592 |
| Net loans and leases to deposits | 72.5864% | 3,483 |
| Net loans and leases to core deposits | 73.2357% | 3,851 |
| Total domestic deposits to total assets | 92.4746% | 94 |
| Equity capital to assets | 7.2730% | 6,227 |
| Core capital (leverage) ratio | 7.3763% | 6,179 |
| Tier 1 risk-based capital ratio | 10.6080% | 5,978 |
| Total risk-based capital ratio | 11.8607% | 5,904 |
| Memoranda: | ||
| Average total assets | $91,567,000 | 4,774 |
| Average earning assets | $86,215,500 | 4,713 |
| Average equity | $6,698,500 | 5,464 |
| Average total loans | $62,473,000 | 4,415 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8902% | 4,154 |
| Cost of funding earning assets | 0.2387% | 5,433 |
| Net interest margin | 3.6515% | 3,214 |
| Noninterest income to average assets | 0.9435% | 1,369 |
| Noninterest expense to average assets | 4.4193% | 496 |
| Loan and lease loss provision to assets | 0.1829% | 1,406 |
| Net operating income to assets | -0.2328% | 6,216 |
| Return on assets (ROA) | -0.2328% | 6,218 |
| Pretax return on assets | -0.2328% | 6,209 |
| Return on Equity (ROE) | -3.1259% | 6,253 |
| Retained earnings to average equity (ytd only) | -3.1259% | 6,097 |
| Net charge-offs to loans | 0.1636% | 2,397 |
| Credit loss provision to net charge-offs | 170.1031% | 1,432 |
| Earnings coverage of net charge-offs (x) | -0.4639% | 4,761 |
| Efficiency ratio | 101.0150% | 344 |
| Assets per employee ($millions) | 3.2434% | 5,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5676% | 2,200 |
| Loan loss allowance to noncurrent loans | 29.2632% | 5,666 |
| Noncurrent assets plus other real estate owned to assets | 5.0982% | 265 |
| Noncurrent loans to loans | 5.3570% | 253 |
| Net loans and leases to total assets | 67.2734% | 2,684 |
| Net loans and leases to deposits | 72.8909% | 3,569 |
| Net loans and leases to core deposits | 73.5553% | 3,955 |
| Total domestic deposits to total assets | 92.2932% | 116 |
| Equity capital to assets | 7.3831% | 6,260 |
| Core capital (leverage) ratio | 7.3019% | 6,257 |
| Tier 1 risk-based capital ratio | 10.7528% | 6,011 |
| Total risk-based capital ratio | 12.0076% | 5,942 |
| Memoranda: | ||
| Average total assets | $90,196,200 | 4,833 |
| Average earning assets | $84,623,200 | 4,771 |
| Average equity | $6,718,000 | 5,476 |
| Average total loans | $59,284,400 | 4,509 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8621% | 4,321 |
| Cost of funding earning assets | 0.2401% | 5,512 |
| Net interest margin | 3.6220% | 3,340 |
| Noninterest income to average assets | 0.8870% | 1,562 |
| Noninterest expense to average assets | 4.3653% | 527 |
| Loan and lease loss provision to assets | 0.1999% | 1,191 |
| Net operating income to assets | -0.2828% | 6,306 |
| Return on assets (ROA) | -0.2828% | 6,302 |
| Pretax return on assets | -0.2828% | 6,283 |
| Return on Equity (ROE) | -3.7889% | 6,337 |
| Retained earnings to average equity (ytd only) | -3.7889% | 6,194 |
| Net charge-offs to loans | 0.1024% | 2,772 |
| Credit loss provision to net charge-offs | 300.0000% | 905 |
| Earnings coverage of net charge-offs (x) | -1.2443% | 4,536 |
| Efficiency ratio | 101.8326% | 332 |
| Assets per employee ($millions) | 3.1856% | 5,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6372% | 2,177 |
| Loan loss allowance to noncurrent loans | 23.4008% | 5,879 |
| Noncurrent assets plus other real estate owned to assets | 6.1628% | 219 |
| Noncurrent loans to loans | 6.9965% | 168 |
| Net loans and leases to total assets | 67.0187% | 2,683 |
| Net loans and leases to deposits | 72.6979% | 3,598 |
| Net loans and leases to core deposits | 73.3724% | 4,011 |
| Total domestic deposits to total assets | 92.1880% | 135 |
| Equity capital to assets | 7.5149% | 6,298 |
| Core capital (leverage) ratio | 7.3389% | 6,320 |
| Tier 1 risk-based capital ratio | 11.0211% | 5,981 |
| Total risk-based capital ratio | 12.2757% | 5,932 |
| Memoranda: | ||
| Average total assets | $90,041,250 | 4,889 |
| Average earning assets | $84,408,250 | 4,825 |
| Average equity | $6,721,250 | 5,529 |
| Average total loans | $58,588,500 | 4,570 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6872% | 4,899 |
| Cost of funding earning assets | 0.2434% | 5,554 |
| Net interest margin | 3.4438% | 4,004 |
| Noninterest income to average assets | 0.7086% | 2,239 |
| Noninterest expense to average assets | 4.3223% | 537 |
| Loan and lease loss provision to assets | 0.1993% | 1,212 |
| Net operating income to assets | -0.5868% | 6,454 |
| Return on assets (ROA) | -0.5868% | 6,459 |
| Pretax return on assets | -0.5868% | 6,444 |
| Return on Equity (ROE) | -7.8783% | 6,490 |
| Retained earnings to average equity (ytd only) | -7.8783% | 6,372 |
| Net charge-offs to loans | 0.1728% | 2,011 |
| Credit loss provision to net charge-offs | 180.0000% | 1,266 |
| Earnings coverage of net charge-offs (x) | -3.5000% | 4,278 |
| Efficiency ratio | 109.6792% | 234 |
| Assets per employee ($millions) | 3.0392% | 5,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 2,450 |
| Loan loss allowance to noncurrent loans | 20.4148% | 5,989 |
| Noncurrent assets plus other real estate owned to assets | 6.4425% | 216 |
| Noncurrent loans to loans | 7.8434% | 141 |
| Net loans and leases to total assets | 63.6933% | 3,123 |
| Net loans and leases to deposits | 68.9204% | 3,948 |
| Net loans and leases to core deposits | 69.5435% | 4,315 |
| Total domestic deposits to total assets | 92.4158% | 124 |
| Equity capital to assets | 7.2881% | 6,392 |
| Core capital (leverage) ratio | 7.1398% | 6,405 |
| Tier 1 risk-based capital ratio | 10.8828% | 6,099 |
| Total risk-based capital ratio | 12.1373% | 6,040 |
| Memoranda: | ||
| Average total assets | $90,323,000 | 4,924 |
| Average earning assets | $84,617,000 | 4,857 |
| Average equity | $6,727,330 | 5,557 |
| Average total loans | $57,860,330 | 4,619 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7055% | 4,827 |
| Cost of funding earning assets | 0.2473% | 5,606 |
| Net interest margin | 3.4581% | 3,869 |
| Noninterest income to average assets | 0.6007% | 2,731 |
| Noninterest expense to average assets | 4.3294% | 537 |
| Loan and lease loss provision to assets | 0.2002% | 1,165 |
| Net operating income to assets | -0.6941% | 6,519 |
| Return on assets (ROA) | -0.6941% | 6,518 |
| Pretax return on assets | -0.6941% | 6,506 |
| Return on Equity (ROE) | -9.2192% | 6,553 |
| Retained earnings to average equity (ytd only) | -9.2192% | 6,331 |
| Net charge-offs to loans | 0.3771% | 960 |
| Credit loss provision to net charge-offs | 83.3333% | 1,862 |
| Earnings coverage of net charge-offs (x) | -2.0556% | 3,537 |
| Efficiency ratio | 112.7610% | 239 |
| Assets per employee ($millions) | 3.0334% | 5,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5572% | 2,890 |
| Loan loss allowance to noncurrent loans | 20.0403% | 6,078 |
| Noncurrent assets plus other real estate owned to assets | 6.7834% | 229 |
| Noncurrent loans to loans | 7.7705% | 180 |
| Net loans and leases to total assets | 62.2433% | 3,197 |
| Net loans and leases to deposits | 67.3420% | 3,930 |
| Net loans and leases to core deposits | 67.9511% | 4,318 |
| Total domestic deposits to total assets | 92.4287% | 176 |
| Equity capital to assets | 7.3878% | 6,350 |
| Core capital (leverage) ratio | 7.3899% | 6,375 |
| Tier 1 risk-based capital ratio | 11.3704% | 5,979 |
| Total risk-based capital ratio | 12.6242% | 5,931 |
| Memoranda: | ||
| Average total assets | $89,896,500 | 4,974 |
| Average earning assets | $84,091,500 | 4,914 |
| Average equity | $6,768,500 | 5,576 |
| Average total loans | $57,281,500 | 4,675 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8008% | 4,815 |
| Cost of funding earning assets | 0.3027% | 5,572 |
| Net interest margin | 3.4981% | 3,920 |
| Noninterest income to average assets | 1.1191% | 1,121 |
| Noninterest expense to average assets | 4.4640% | 542 |
| Loan and lease loss provision to assets | 0.2489% | 1,450 |
| Net operating income to assets | -0.3248% | 6,427 |
| Return on assets (ROA) | -0.3248% | 6,441 |
| Pretax return on assets | -0.3248% | 6,419 |
| Return on Equity (ROE) | -4.5021% | 6,473 |
| Retained earnings to average equity (ytd only) | -4.5021% | 6,343 |
| Net charge-offs to loans | 0.3195% | 2,086 |
| Credit loss provision to net charge-offs | 121.5470% | 1,957 |
| Earnings coverage of net charge-offs (x) | -0.3702% | 5,179 |
| Efficiency ratio | 101.5988% | 433 |
| Assets per employee ($millions) | 2.9597% | 5,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5870% | 2,808 |
| Loan loss allowance to noncurrent loans | 17.8079% | 6,205 |
| Noncurrent assets plus other real estate owned to assets | 7.6437% | 208 |
| Noncurrent loans to loans | 8.9119% | 149 |
| Net loans and leases to total assets | 63.2039% | 3,179 |
| Net loans and leases to deposits | 68.6685% | 3,954 |
| Net loans and leases to core deposits | 69.6719% | 4,317 |
| Total domestic deposits to total assets | 92.0421% | 276 |
| Equity capital to assets | 7.6741% | 6,197 |
| Core capital (leverage) ratio | 7.5127% | 6,364 |
| Tier 1 risk-based capital ratio | 11.7600% | 5,768 |
| Total risk-based capital ratio | 13.0001% | 5,705 |
| Memoranda: | ||
| Average total assets | $88,373,400 | 5,016 |
| Average earning assets | $82,588,600 | 4,963 |
| Average equity | $6,374,800 | 5,719 |
| Average total loans | $56,643,800 | 4,723 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8172% | 4,785 |
| Cost of funding earning assets | 0.3120% | 5,626 |
| Net interest margin | 3.5052% | 3,862 |
| Noninterest income to average assets | 1.1435% | 1,118 |
| Noninterest expense to average assets | 4.4832% | 529 |
| Loan and lease loss provision to assets | 0.2643% | 1,339 |
| Net operating income to assets | -0.3293% | 6,538 |
| Return on assets (ROA) | -0.3293% | 6,552 |
| Pretax return on assets | -0.3293% | 6,535 |
| Return on Equity (ROE) | -4.6394% | 6,593 |
| Retained earnings to average equity (ytd only) | -4.6394% | 6,476 |
| Net charge-offs to loans | 0.3867% | 1,657 |
| Credit loss provision to net charge-offs | 106.7073% | 2,199 |
| Earnings coverage of net charge-offs (x) | -0.2622% | 4,925 |
| Efficiency ratio | 101.3675% | 419 |
| Assets per employee ($millions) | 2.9687% | 5,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5520% | 3,217 |
| Loan loss allowance to noncurrent loans | 19.1234% | 6,267 |
| Noncurrent assets plus other real estate owned to assets | 7.2232% | 271 |
| Noncurrent loans to loans | 8.1158% | 216 |
| Net loans and leases to total assets | 62.4635% | 3,275 |
| Net loans and leases to deposits | 67.4958% | 4,119 |
| Net loans and leases to core deposits | 68.4727% | 4,486 |
| Total domestic deposits to total assets | 92.5444% | 175 |
| Equity capital to assets | 7.2569% | 6,477 |
| Core capital (leverage) ratio | 7.1149% | 6,565 |
| Tier 1 risk-based capital ratio | 11.1032% | 6,233 |
| Total risk-based capital ratio | 12.3570% | 6,195 |
| Memoranda: | ||
| Average total assets | $88,268,750 | 5,070 |
| Average earning assets | $82,466,250 | 5,014 |
| Average equity | $6,265,000 | 5,822 |
| Average total loans | $56,548,500 | 4,775 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8510% | 4,651 |
| Cost of funding earning assets | 0.3260% | 5,601 |
| Net interest margin | 3.5250% | 3,679 |
| Noninterest income to average assets | 1.1704% | 1,109 |
| Noninterest expense to average assets | 4.4975% | 528 |
| Loan and lease loss provision to assets | 0.3977% | 782 |
| Net operating income to assets | -0.4318% | 6,614 |
| Return on assets (ROA) | -0.4318% | 6,635 |
| Pretax return on assets | -0.4318% | 6,605 |
| Return on Equity (ROE) | -6.1300% | 6,661 |
| Retained earnings to average equity (ytd only) | -6.1300% | 6,522 |
| Net charge-offs to loans | 0.2652% | 2,146 |
| Credit loss provision to net charge-offs | 233.3333% | 1,062 |
| Earnings coverage of net charge-offs (x) | -0.2000% | 4,619 |
| Efficiency ratio | 100.6110% | 468 |
| Assets per employee ($millions) | 2.9502% | 5,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7467% | 2,606 |
| Loan loss allowance to noncurrent loans | 20.0457% | 6,303 |
| Noncurrent assets plus other real estate owned to assets | 7.5317% | 297 |
| Noncurrent loans to loans | 8.7135% | 213 |
| Net loans and leases to total assets | 61.3958% | 3,407 |
| Net loans and leases to deposits | 66.1316% | 4,252 |
| Net loans and leases to core deposits | 67.0910% | 4,584 |
| Total domestic deposits to total assets | 92.8389% | 140 |
| Equity capital to assets | 6.8662% | 6,629 |
| Core capital (leverage) ratio | 6.6660% | 6,679 |
| Tier 1 risk-based capital ratio | 10.7610% | 6,426 |
| Total risk-based capital ratio | 12.0163% | 6,389 |
| Memoranda: | ||
| Average total assets | $88,005,000 | 5,112 |
| Average earning assets | $82,211,670 | 5,048 |
| Average equity | $6,199,000 | 5,879 |
| Average total loans | $56,562,330 | 4,803 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8229% | 4,744 |
| Cost of funding earning assets | 0.3320% | 5,699 |
| Net interest margin | 3.4909% | 3,736 |
| Noninterest income to average assets | 1.0985% | 1,224 |
| Noninterest expense to average assets | 4.3758% | 590 |
| Loan and lease loss provision to assets | 0.1367% | 2,532 |
| Net operating income to assets | -0.1550% | 6,486 |
| Return on assets (ROA) | -0.1550% | 6,531 |
| Pretax return on assets | -0.1550% | 6,522 |
| Return on Equity (ROE) | -2.1725% | 6,568 |
| Retained earnings to average equity (ytd only) | -2.1725% | 6,095 |
| Net charge-offs to loans | -0.0070% | 5,341 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3138% | 535 |
| Assets per employee ($millions) | 2.8239% | 6,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5833% | 3,467 |
| Loan loss allowance to noncurrent loans | 18.0956% | 6,386 |
| Noncurrent assets plus other real estate owned to assets | 7.7042% | 335 |
| Noncurrent loans to loans | 8.7498% | 280 |
| Net loans and leases to total assets | 61.7002% | 3,125 |
| Net loans and leases to deposits | 66.3683% | 4,006 |
| Net loans and leases to core deposits | 66.7050% | 4,443 |
| Total domestic deposits to total assets | 92.9664% | 129 |
| Equity capital to assets | 6.9108% | 6,731 |
| Core capital (leverage) ratio | 7.0260% | 6,636 |
| Tier 1 risk-based capital ratio | 11.1687% | 6,332 |
| Total risk-based capital ratio | 12.3913% | 6,319 |
| Memoranda: | ||
| Average total assets | $87,754,500 | 5,156 |
| Average earning assets | $81,927,500 | 5,089 |
| Average equity | $6,260,000 | 5,919 |
| Average total loans | $57,191,000 | 4,810 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4491% | 3,615 |
| Cost of funding earning assets | 0.4161% | 5,811 |
| Net interest margin | 4.0329% | 2,263 |
| Noninterest income to average assets | 1.2969% | 913 |
| Noninterest expense to average assets | 4.7819% | 442 |
| Loan and lease loss provision to assets | 1.0356% | 382 |
| Net operating income to assets | -0.8562% | 6,690 |
| Return on assets (ROA) | -0.8562% | 6,717 |
| Pretax return on assets | -0.8562% | 6,692 |
| Return on Equity (ROE) | -10.5215% | 6,734 |
| Retained earnings to average equity (ytd only) | -10.5215% | 6,655 |
| Net charge-offs to loans | 1.6269% | 520 |
| Credit loss provision to net charge-offs | 91.0053% | 3,431 |
| Earnings coverage of net charge-offs (x) | 0.1577% | 5,414 |
| Efficiency ratio | 96.2621% | 700 |
| Assets per employee ($millions) | 2.6607% | 6,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 3,749 |
| Loan loss allowance to noncurrent loans | 22.9465% | 6,320 |
| Noncurrent assets plus other real estate owned to assets | 6.7874% | 464 |
| Noncurrent loans to loans | 6.5374% | 511 |
| Net loans and leases to total assets | 66.7853% | 2,405 |
| Net loans and leases to deposits | 72.2299% | 3,375 |
| Net loans and leases to core deposits | 72.7065% | 3,949 |
| Total domestic deposits to total assets | 92.4621% | 175 |
| Equity capital to assets | 7.3700% | 6,680 |
| Core capital (leverage) ratio | 7.3890% | 6,544 |
| Tier 1 risk-based capital ratio | 11.2249% | 6,260 |
| Total risk-based capital ratio | 12.4554% | 6,235 |
| Memoranda: | ||
| Average total assets | $83,042,800 | 5,272 |
| Average earning assets | $75,453,800 | 5,262 |
| Average equity | $6,757,600 | 5,826 |
| Average total loans | $58,086,400 | 4,793 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5101% | 3,596 |
| Cost of funding earning assets | 0.4333% | 5,914 |
| Net interest margin | 4.0768% | 2,188 |
| Noninterest income to average assets | 1.3088% | 859 |
| Noninterest expense to average assets | 4.7859% | 428 |
| Loan and lease loss provision to assets | 0.5090% | 1,197 |
| Net operating income to assets | -0.3070% | 6,576 |
| Return on assets (ROA) | -0.3070% | 6,635 |
| Pretax return on assets | -0.3070% | 6,604 |
| Return on Equity (ROE) | -3.6831% | 6,660 |
| Retained earnings to average equity (ytd only) | -3.6831% | 6,529 |
| Net charge-offs to loans | 0.7082% | 1,564 |
| Credit loss provision to net charge-offs | 101.9417% | 2,889 |
| Earnings coverage of net charge-offs (x) | 0.4045% | 5,129 |
| Efficiency ratio | 95.8212% | 686 |
| Assets per employee ($millions) | 2.6035% | 6,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6661% | 3,273 |
| Loan loss allowance to noncurrent loans | 25.6568% | 6,319 |
| Noncurrent assets plus other real estate owned to assets | 7.2992% | 474 |
| Noncurrent loans to loans | 6.4940% | 589 |
| Net loans and leases to total assets | 69.9819% | 1,906 |
| Net loans and leases to deposits | 76.5118% | 2,908 |
| Net loans and leases to core deposits | 77.0493% | 3,595 |
| Total domestic deposits to total assets | 91.4655% | 294 |
| Equity capital to assets | 8.4242% | 6,327 |
| Core capital (leverage) ratio | 8.2003% | 6,142 |
| Tier 1 risk-based capital ratio | 12.2349% | 5,812 |
| Total risk-based capital ratio | 13.4775% | 5,791 |
| Memoranda: | ||
| Average total assets | $82,517,750 | 5,338 |
| Average earning assets | $74,468,500 | 5,352 |
| Average equity | $6,878,250 | 5,861 |
| Average total loans | $58,175,750 | 4,835 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5383% | 3,614 |
| Cost of funding earning assets | 0.4511% | 5,966 |
| Net interest margin | 4.0872% | 2,141 |
| Noninterest income to average assets | 1.0876% | 1,208 |
| Noninterest expense to average assets | 4.6920% | 458 |
| Loan and lease loss provision to assets | 0.5053% | 1,249 |
| Net operating income to assets | -0.4475% | 6,709 |
| Return on assets (ROA) | -0.4475% | 6,755 |
| Pretax return on assets | -0.4475% | 6,725 |
| Return on Equity (ROE) | -5.3877% | 6,786 |
| Retained earnings to average equity (ytd only) | -5.3877% | 6,643 |
| Net charge-offs to loans | 0.3903% | 2,458 |
| Credit loss provision to net charge-offs | 184.2105% | 1,542 |
| Earnings coverage of net charge-offs (x) | 0.2105% | 4,967 |
| Efficiency ratio | 98.6322% | 603 |
| Assets per employee ($millions) | 2.5899% | 6,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8679% | 2,653 |
| Loan loss allowance to noncurrent loans | 25.0299% | 6,358 |
| Noncurrent assets plus other real estate owned to assets | 7.9709% | 431 |
| Noncurrent loans to loans | 7.4626% | 493 |
| Net loans and leases to total assets | 66.3714% | 2,600 |
| Net loans and leases to deposits | 72.3677% | 3,559 |
| Net loans and leases to core deposits | 72.8595% | 4,188 |
| Total domestic deposits to total assets | 91.7141% | 274 |
| Equity capital to assets | 8.1978% | 6,454 |
| Core capital (leverage) ratio | 7.9223% | 6,348 |
| Tier 1 risk-based capital ratio | 12.2860% | 5,735 |
| Total risk-based capital ratio | 13.5437% | 5,703 |
| Memoranda: | ||
| Average total assets | $83,121,000 | 5,349 |
| Average earning assets | $74,476,670 | 5,380 |
| Average equity | $6,904,670 | 5,877 |
| Average total loans | $58,421,670 | 4,855 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6508% | 3,261 |
| Cost of funding earning assets | 0.4774% | 5,963 |
| Net interest margin | 4.1734% | 1,842 |
| Noninterest income to average assets | 1.1292% | 1,106 |
| Noninterest expense to average assets | 4.5553% | 528 |
| Loan and lease loss provision to assets | 0.5045% | 1,203 |
| Net operating income to assets | -0.1922% | 6,625 |
| Return on assets (ROA) | -0.1922% | 6,680 |
| Pretax return on assets | -0.1922% | 6,659 |
| Return on Equity (ROE) | -2.2989% | 6,712 |
| Retained earnings to average equity (ytd only) | -2.2989% | 6,320 |
| Net charge-offs to loans | 0.3288% | 2,337 |
| Credit loss provision to net charge-offs | 214.2857% | 1,274 |
| Earnings coverage of net charge-offs (x) | 1.3265% | 3,668 |
| Efficiency ratio | 93.4847% | 849 |
| Assets per employee ($millions) | 2.5644% | 6,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7150% | 3,287 |
| Loan loss allowance to noncurrent loans | 22.9385% | 6,453 |
| Noncurrent assets plus other real estate owned to assets | 8.1205% | 466 |
| Noncurrent loans to loans | 7.4765% | 563 |
| Net loans and leases to total assets | 68.1950% | 2,074 |
| Net loans and leases to deposits | 74.3188% | 3,078 |
| Net loans and leases to core deposits | 74.8130% | 3,781 |
| Total domestic deposits to total assets | 91.7601% | 316 |
| Equity capital to assets | 8.1997% | 6,357 |
| Core capital (leverage) ratio | 8.3238% | 5,837 |
| Tier 1 risk-based capital ratio | 12.1347% | 5,876 |
| Total risk-based capital ratio | 13.3914% | 5,848 |
| Memoranda: | ||
| Average total assets | $83,243,500 | 5,377 |
| Average earning assets | $74,567,500 | 5,413 |
| Average equity | $6,960,000 | 5,886 |
| Average total loans | $59,606,000 | 4,834 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8061% | 3,782 |
| Cost of funding earning assets | 0.6041% | 6,072 |
| Net interest margin | 4.2020% | 2,051 |
| Noninterest income to average assets | 1.2920% | 772 |
| Noninterest expense to average assets | 4.6729% | 501 |
| Loan and lease loss provision to assets | 0.9144% | 1,052 |
| Net operating income to assets | -0.5352% | 6,513 |
| Return on assets (ROA) | -0.5249% | 6,551 |
| Pretax return on assets | -0.5427% | 6,517 |
| Return on Equity (ROE) | -6.0545% | 6,583 |
| Retained earnings to average equity (ytd only) | -6.0545% | 6,510 |
| Net charge-offs to loans | 1.6171% | 971 |
| Credit loss provision to net charge-offs | 79.1367% | 4,495 |
| Earnings coverage of net charge-offs (x) | 0.3124% | 5,592 |
| Efficiency ratio | 92.6870% | 1,008 |
| Assets per employee ($millions) | 2.5582% | 6,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5720% | 3,700 |
| Loan loss allowance to noncurrent loans | 25.1521% | 6,426 |
| Noncurrent assets plus other real estate owned to assets | 7.6336% | 560 |
| Noncurrent loans to loans | 6.2501% | 779 |
| Net loans and leases to total assets | 72.7370% | 1,507 |
| Net loans and leases to deposits | 79.6128% | 2,593 |
| Net loans and leases to core deposits | 80.1605% | 3,435 |
| Total domestic deposits to total assets | 91.3635% | 373 |
| Equity capital to assets | 8.5278% | 6,109 |
| Core capital (leverage) ratio | 8.1481% | 6,076 |
| Tier 1 risk-based capital ratio | 12.0046% | 5,834 |
| Total risk-based capital ratio | 13.2601% | 5,803 |
| Memoranda: | ||
| Average total assets | $84,209,800 | 5,334 |
| Average earning assets | $74,988,000 | 5,374 |
| Average equity | $7,300,400 | 5,778 |
| Average total loans | $60,168,000 | 4,859 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8347% | 3,859 |
| Cost of funding earning assets | 0.6154% | 6,212 |
| Net interest margin | 4.2194% | 2,023 |
| Noninterest income to average assets | 1.2359% | 850 |
| Noninterest expense to average assets | 4.6054% | 523 |
| Loan and lease loss provision to assets | 0.7233% | 1,326 |
| Net operating income to assets | -0.3054% | 6,504 |
| Return on assets (ROA) | -0.2909% | 6,542 |
| Pretax return on assets | -0.3145% | 6,501 |
| Return on Equity (ROE) | -3.3422% | 6,581 |
| Retained earnings to average equity (ytd only) | -3.3422% | 6,452 |
| Net charge-offs to loans | 1.1783% | 1,336 |
| Credit loss provision to net charge-offs | 86.6290% | 3,898 |
| Earnings coverage of net charge-offs (x) | 0.4708% | 5,270 |
| Efficiency ratio | 92.0101% | 1,031 |
| Assets per employee ($millions) | 2.4925% | 6,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8401% | 2,800 |
| Loan loss allowance to noncurrent loans | 22.7473% | 6,591 |
| Noncurrent assets plus other real estate owned to assets | 8.3899% | 505 |
| Noncurrent loans to loans | 8.0895% | 540 |
| Net loans and leases to total assets | 70.2349% | 2,039 |
| Net loans and leases to deposits | 77.1103% | 3,150 |
| Net loans and leases to core deposits | 77.6377% | 3,960 |
| Total domestic deposits to total assets | 91.0837% | 411 |
| Equity capital to assets | 8.8591% | 5,905 |
| Core capital (leverage) ratio | 8.4023% | 5,851 |
| Tier 1 risk-based capital ratio | 12.5237% | 5,467 |
| Total risk-based capital ratio | 13.7801% | 5,454 |
| Memoranda: | ||
| Average total assets | $84,796,750 | 5,360 |
| Average earning assets | $75,617,500 | 5,400 |
| Average equity | $7,380,250 | 5,788 |
| Average total loans | $60,086,250 | 4,901 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8322% | 3,943 |
| Cost of funding earning assets | 0.6214% | 6,357 |
| Net interest margin | 4.2108% | 1,993 |
| Noninterest income to average assets | 1.0485% | 1,196 |
| Noninterest expense to average assets | 4.4136% | 659 |
| Loan and lease loss provision to assets | 0.8640% | 1,042 |
| Net operating income to assets | -0.4418% | 6,648 |
| Return on assets (ROA) | -0.4203% | 6,654 |
| Pretax return on assets | -0.4554% | 6,629 |
| Return on Equity (ROE) | -4.8574% | 6,703 |
| Retained earnings to average equity (ytd only) | -4.8574% | 6,553 |
| Net charge-offs to loans | 0.9786% | 1,608 |
| Credit loss provision to net charge-offs | 125.0000% | 2,438 |
| Earnings coverage of net charge-offs (x) | 0.5574% | 4,886 |
| Efficiency ratio | 91.8248% | 1,104 |
| Assets per employee ($millions) | 2.4032% | 7,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0851% | 2,149 |
| Loan loss allowance to noncurrent loans | 29.5548% | 6,285 |
| Noncurrent assets plus other real estate owned to assets | 7.9217% | 591 |
| Noncurrent loans to loans | 7.0549% | 727 |
| Net loans and leases to total assets | 68.5606% | 2,504 |
| Net loans and leases to deposits | 75.1587% | 3,624 |
| Net loans and leases to core deposits | 75.6596% | 4,359 |
| Total domestic deposits to total assets | 91.2211% | 419 |
| Equity capital to assets | 8.6683% | 5,978 |
| Core capital (leverage) ratio | 8.2117% | 6,013 |
| Tier 1 risk-based capital ratio | 12.4937% | 5,350 |
| Total risk-based capital ratio | 13.7551% | 5,316 |
| Memoranda: | ||
| Average total assets | $85,644,330 | 5,378 |
| Average earning assets | $76,280,670 | 5,427 |
| Average equity | $7,411,330 | 5,797 |
| Average total loans | $60,497,000 | 4,935 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8108% | 4,011 |
| Cost of funding earning assets | 0.6111% | 6,563 |
| Net interest margin | 4.1997% | 1,892 |
| Noninterest income to average assets | 1.3471% | 710 |
| Noninterest expense to average assets | 4.3791% | 667 |
| Loan and lease loss provision to assets | 0.5555% | 1,557 |
| Net operating income to assets | 0.1574% | 5,918 |
| Return on assets (ROA) | 0.1574% | 5,973 |
| Pretax return on assets | 0.1666% | 6,012 |
| Return on Equity (ROE) | 1.8203% | 5,854 |
| Retained earnings to average equity (ytd only) | 1.8203% | 5,020 |
| Net charge-offs to loans | -0.0065% | 6,279 |
| Credit loss provision to net charge-offs | -12,000.0000% | 6,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8439% | 1,730 |
| Assets per employee ($millions) | 2.6403% | 6,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1402% | 2,099 |
| Loan loss allowance to noncurrent loans | 22.7719% | 6,656 |
| Noncurrent assets plus other real estate owned to assets | 8.6879% | 519 |
| Noncurrent loans to loans | 9.3984% | 452 |
| Net loans and leases to total assets | 64.9434% | 3,251 |
| Net loans and leases to deposits | 70.9009% | 4,207 |
| Net loans and leases to core deposits | 71.3399% | 4,881 |
| Total domestic deposits to total assets | 91.5973% | 390 |
| Equity capital to assets | 8.3425% | 6,117 |
| Core capital (leverage) ratio | 8.3880% | 5,649 |
| Tier 1 risk-based capital ratio | 12.3476% | 5,397 |
| Total risk-based capital ratio | 13.6086% | 5,380 |
| Memoranda: | ||
| Average total assets | $86,411,000 | 5,395 |
| Average earning assets | $77,243,000 | 5,437 |
| Average equity | $7,471,500 | 5,784 |
| Average total loans | $61,298,000 | 4,944 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2779% | 3,227 |
| Cost of funding earning assets | 0.8018% | 6,562 |
| Net interest margin | 4.4761% | 1,281 |
| Noninterest income to average assets | 1.1987% | 1,042 |
| Noninterest expense to average assets | 4.3225% | 791 |
| Loan and lease loss provision to assets | 1.1498% | 1,384 |
| Net operating income to assets | -0.2698% | 6,188 |
| Return on assets (ROA) | -0.2698% | 6,233 |
| Pretax return on assets | -0.2698% | 6,138 |
| Return on Equity (ROE) | -3.0744% | 6,280 |
| Retained earnings to average equity (ytd only) | -4.6181% | 6,261 |
| Net charge-offs to loans | 1.2619% | 1,780 |
| Credit loss provision to net charge-offs | 122.5728% | 3,412 |
| Earnings coverage of net charge-offs (x) | 0.9381% | 5,174 |
| Efficiency ratio | 83.0853% | 2,044 |
| Assets per employee ($millions) | 2.2447% | 7,263 |
| Cash dividends to net income (ytd only)* | -50.2110% | 7,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8311% | 2,756 |
| Loan loss allowance to noncurrent loans | 18.2249% | 6,876 |
| Noncurrent assets plus other real estate owned to assets | 10.2513% | 392 |
| Noncurrent loans to loans | 10.0473% | 421 |
| Net loans and leases to total assets | 74.4922% | 1,571 |
| Net loans and leases to deposits | 81.9389% | 2,821 |
| Net loans and leases to core deposits | 82.4885% | 3,820 |
| Total domestic deposits to total assets | 90.9118% | 642 |
| Equity capital to assets | 8.9750% | 5,180 |
| Core capital (leverage) ratio | 8.1018% | 6,011 |
| Tier 1 risk-based capital ratio | 12.0213% | 5,450 |
| Total risk-based capital ratio | 13.2789% | 5,431 |
| Memoranda: | ||
| Average total assets | $87,842,400 | 5,353 |
| Average earning assets | $78,573,000 | 5,396 |
| Average equity | $7,708,800 | 5,802 |
| Average total loans | $65,299,800 | 4,855 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3081% | 3,312 |
| Cost of funding earning assets | 0.8206% | 6,687 |
| Net interest margin | 4.4875% | 1,283 |
| Noninterest income to average assets | 1.2354% | 900 |
| Noninterest expense to average assets | 4.2781% | 759 |
| Loan and lease loss provision to assets | 1.3626% | 994 |
| Net operating income to assets | -0.4103% | 6,525 |
| Return on assets (ROA) | -0.4103% | 6,570 |
| Pretax return on assets | -0.3848% | 6,483 |
| Return on Equity (ROE) | -4.7002% | 6,625 |
| Retained earnings to average equity (ytd only) | -6.7416% | 6,694 |
| Net charge-offs to loans | 0.6396% | 2,829 |
| Credit loss provision to net charge-offs | 287.9747% | 1,120 |
| Earnings coverage of net charge-offs (x) | 2.0665% | 4,175 |
| Efficiency ratio | 81.3960% | 2,144 |
| Assets per employee ($millions) | 2.5411% | 7,024 |
| Cash dividends to net income (ytd only)* | -43.4304% | 7,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3835% | 1,496 |
| Loan loss allowance to noncurrent loans | 28.7344% | 6,404 |
| Noncurrent assets plus other real estate owned to assets | 8.0729% | 620 |
| Noncurrent loans to loans | 8.2949% | 607 |
| Net loans and leases to total assets | 71.9271% | 2,263 |
| Net loans and leases to deposits | 78.5549% | 3,722 |
| Net loans and leases to core deposits | 79.0412% | 4,658 |
| Total domestic deposits to total assets | 91.5629% | 291 |
| Equity capital to assets | 8.3450% | 6,463 |
| Core capital (leverage) ratio | 7.9197% | 6,445 |
| Tier 1 risk-based capital ratio | 11.5462% | 5,883 |
| Total risk-based capital ratio | 12.8106% | 5,860 |
| Memoranda: | ||
| Average total assets | $89,039,750 | 5,384 |
| Average earning assets | $79,775,250 | 5,418 |
| Average equity | $7,772,500 | 5,866 |
| Average total loans | $65,869,250 | 4,911 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3017% | 3,464 |
| Cost of funding earning assets | 0.8407% | 6,785 |
| Net interest margin | 4.4610% | 1,288 |
| Noninterest income to average assets | 1.0194% | 1,322 |
| Noninterest expense to average assets | 4.1292% | 879 |
| Loan and lease loss provision to assets | 0.4154% | 3,240 |
| Net operating income to assets | 0.4536% | 4,535 |
| Return on assets (ROA) | 0.4536% | 4,695 |
| Pretax return on assets | 0.4783% | 4,968 |
| Return on Equity (ROE) | 5.1208% | 4,232 |
| Retained earnings to average equity (ytd only) | 3.7266% | 3,728 |
| Net charge-offs to loans | 0.6608% | 2,562 |
| Credit loss provision to net charge-offs | 84.8624% | 4,570 |
| Earnings coverage of net charge-offs (x) | 1.8257% | 4,154 |
| Efficiency ratio | 82.2083% | 2,134 |
| Assets per employee ($millions) | 2.5988% | 6,951 |
| Cash dividends to net income (ytd only)* | 27.2277% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 4,380 |
| Loan loss allowance to noncurrent loans | 17.0745% | 7,070 |
| Noncurrent assets plus other real estate owned to assets | 7.5112% | 678 |
| Noncurrent loans to loans | 8.2523% | 620 |
| Net loans and leases to total assets | 71.9263% | 2,420 |
| Net loans and leases to deposits | 78.9406% | 3,811 |
| Net loans and leases to core deposits | 79.4178% | 4,756 |
| Total domestic deposits to total assets | 91.1145% | 442 |
| Equity capital to assets | 8.7536% | 5,808 |
| Core capital (leverage) ratio | 8.6717% | 5,124 |
| Tier 1 risk-based capital ratio | 12.2188% | 5,107 |
| Total risk-based capital ratio | 13.4714% | 5,076 |
| Memoranda: | ||
| Average total assets | $89,073,000 | 5,419 |
| Average earning assets | $79,937,000 | 5,443 |
| Average equity | $7,889,330 | 5,842 |
| Average total loans | $65,981,000 | 4,942 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3374% | 3,357 |
| Cost of funding earning assets | 0.8653% | 6,889 |
| Net interest margin | 4.4722% | 1,207 |
| Noninterest income to average assets | 1.0031% | 1,297 |
| Noninterest expense to average assets | 4.2119% | 797 |
| Loan and lease loss provision to assets | 0.2723% | 3,846 |
| Net operating income to assets | 0.5265% | 4,253 |
| Return on assets (ROA) | 0.5265% | 4,394 |
| Pretax return on assets | 0.5537% | 4,776 |
| Return on Equity (ROE) | 5.9086% | 3,917 |
| Retained earnings to average equity (ytd only) | 3.1071% | 4,276 |
| Net charge-offs to loans | 0.0851% | 4,568 |
| Credit loss provision to net charge-offs | 428.5714% | 966 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,525 |
| Efficiency ratio | 83.6036% | 2,062 |
| Assets per employee ($millions) | 2.5319% | 7,154 |
| Cash dividends to net income (ytd only)* | 47.4138% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5364% | 3,714 |
| Loan loss allowance to noncurrent loans | 22.1108% | 6,907 |
| Noncurrent assets plus other real estate owned to assets | 6.7844% | 811 |
| Noncurrent loans to loans | 6.9488% | 865 |
| Net loans and leases to total assets | 73.3318% | 2,117 |
| Net loans and leases to deposits | 80.5841% | 3,534 |
| Net loans and leases to core deposits | 81.0828% | 4,608 |
| Total domestic deposits to total assets | 91.0004% | 547 |
| Equity capital to assets | 8.8935% | 5,417 |
| Core capital (leverage) ratio | 8.8983% | 4,731 |
| Tier 1 risk-based capital ratio | 12.1539% | 5,034 |
| Total risk-based capital ratio | 13.4073% | 4,996 |
| Memoranda: | ||
| Average total assets | $88,131,000 | 5,510 |
| Average earning assets | $79,514,000 | 5,523 |
| Average equity | $7,853,000 | 5,894 |
| Average total loans | $65,793,000 | 5,003 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5137% | 4,071 |
| Cost of funding earning assets | 1.3147% | 6,259 |
| Net interest margin | 4.1990% | 2,062 |
| Noninterest income to average assets | 1.2170% | 1,030 |
| Noninterest expense to average assets | 4.2147% | 1,079 |
| Loan and lease loss provision to assets | 0.4567% | 4,087 |
| Net operating income to assets | 0.3632% | 4,278 |
| Return on assets (ROA) | 0.3824% | 4,300 |
| Pretax return on assets | 0.4027% | 4,490 |
| Return on Equity (ROE) | 4.5942% | 3,844 |
| Retained earnings to average equity (ytd only) | 4.5942% | 2,038 |
| Net charge-offs to loans | 0.6833% | 3,139 |
| Credit loss provision to net charge-offs | 91.4414% | 5,956 |
| Earnings coverage of net charge-offs (x) | 1.6802% | 4,477 |
| Efficiency ratio | 83.3964% | 2,429 |
| Assets per employee ($millions) | 2.4346% | 7,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4759% | 3,854 |
| Loan loss allowance to noncurrent loans | 31.3370% | 6,376 |
| Noncurrent assets plus other real estate owned to assets | 5.1525% | 1,169 |
| Noncurrent loans to loans | 4.7096% | 1,486 |
| Net loans and leases to total assets | 73.7287% | 2,329 |
| Net loans and leases to deposits | 81.0905% | 3,778 |
| Net loans and leases to core deposits | 87.5078% | 5,382 |
| Total domestic deposits to total assets | 90.9215% | 562 |
| Equity capital to assets | 8.9279% | 5,252 |
| Core capital (leverage) ratio | 8.6389% | 5,034 |
| Tier 1 risk-based capital ratio | 12.1958% | 4,777 |
| Total risk-based capital ratio | 13.4492% | 4,735 |
| Memoranda: | ||
| Average total assets | $88,904,000 | 5,423 |
| Average earning assets | $81,234,200 | 5,419 |
| Average equity | $7,400,600 | 6,128 |
| Average total loans | $64,982,400 | 5,068 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5179% | 4,327 |
| Cost of funding earning assets | 1.3896% | 6,273 |
| Net interest margin | 4.1282% | 2,294 |
| Noninterest income to average assets | 1.1686% | 1,150 |
| Noninterest expense to average assets | 4.0858% | 1,165 |
| Loan and lease loss provision to assets | 0.4947% | 3,426 |
| Net operating income to assets | 0.3557% | 4,570 |
| Return on assets (ROA) | 0.3572% | 4,662 |
| Pretax return on assets | 0.3766% | 4,862 |
| Return on Equity (ROE) | 4.3685% | 4,221 |
| Retained earnings to average equity (ytd only) | 4.3685% | 2,830 |
| Net charge-offs to loans | 0.7363% | 2,523 |
| Credit loss provision to net charge-offs | 92.4581% | 5,418 |
| Earnings coverage of net charge-offs (x) | 1.6257% | 4,575 |
| Efficiency ratio | 82.4487% | 2,515 |
| Assets per employee ($millions) | 2.3667% | 7,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4932% | 3,479 |
| Loan loss allowance to noncurrent loans | 36.7492% | 5,945 |
| Noncurrent assets plus other real estate owned to assets | 4.2458% | 1,473 |
| Noncurrent loans to loans | 4.0633% | 1,805 |
| Net loans and leases to total assets | 73.7518% | 2,601 |
| Net loans and leases to deposits | 81.0458% | 4,189 |
| Net loans and leases to core deposits | 87.3534% | 5,711 |
| Total domestic deposits to total assets | 91.0001% | 416 |
| Equity capital to assets | 8.8617% | 5,688 |
| Core capital (leverage) ratio | 8.4274% | 5,625 |
| Tier 1 risk-based capital ratio | 12.1410% | 4,847 |
| Total risk-based capital ratio | 13.3940% | 4,794 |
| Memoranda: | ||
| Average total assets | $89,218,250 | 5,448 |
| Average earning assets | $81,841,000 | 5,426 |
| Average equity | $7,294,500 | 6,227 |
| Average total loans | $64,830,750 | 5,113 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6603% | 3,767 |
| Cost of funding earning assets | 1.4777% | 6,232 |
| Net interest margin | 4.1826% | 2,054 |
| Noninterest income to average assets | 1.2276% | 1,027 |
| Noninterest expense to average assets | 4.1017% | 1,190 |
| Loan and lease loss provision to assets | 0.5704% | 2,731 |
| Net operating income to assets | 0.3700% | 4,624 |
| Return on assets (ROA) | 0.3721% | 4,711 |
| Pretax return on assets | 0.3921% | 4,958 |
| Return on Equity (ROE) | 4.6783% | 4,220 |
| Retained earnings to average equity (ytd only) | 4.6783% | 2,694 |
| Net charge-offs to loans | 0.9692% | 1,805 |
| Credit loss provision to net charge-offs | 81.7891% | 5,145 |
| Earnings coverage of net charge-offs (x) | 1.3770% | 4,495 |
| Efficiency ratio | 81.0299% | 2,880 |
| Assets per employee ($millions) | 2.6860% | 6,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4672% | 3,369 |
| Loan loss allowance to noncurrent loans | 37.1720% | 5,930 |
| Noncurrent assets plus other real estate owned to assets | 3.7890% | 1,607 |
| Noncurrent loans to loans | 3.9470% | 1,727 |
| Net loans and leases to total assets | 67.7946% | 4,182 |
| Net loans and leases to deposits | 74.0367% | 5,446 |
| Net loans and leases to core deposits | 78.8238% | 6,495 |
| Total domestic deposits to total assets | 91.5689% | 301 |
| Equity capital to assets | 8.1918% | 6,504 |
| Core capital (leverage) ratio | 7.9701% | 6,386 |
| Tier 1 risk-based capital ratio | 11.6939% | 5,201 |
| Total risk-based capital ratio | 12.9459% | 5,134 |
| Memoranda: | ||
| Average total assets | $89,768,330 | 5,468 |
| Average earning assets | $82,292,670 | 5,455 |
| Average equity | $7,139,330 | 6,325 |
| Average total loans | $64,587,000 | 5,155 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8545% | 3,019 |
| Cost of funding earning assets | 1.5815% | 6,108 |
| Net interest margin | 4.2730% | 1,667 |
| Noninterest income to average assets | 1.1820% | 1,049 |
| Noninterest expense to average assets | 4.0206% | 1,160 |
| Loan and lease loss provision to assets | 0.3423% | 3,275 |
| Net operating income to assets | 0.7487% | 3,356 |
| Return on assets (ROA) | 0.7530% | 3,512 |
| Pretax return on assets | 0.7941% | 4,095 |
| Return on Equity (ROE) | 9.6231% | 2,485 |
| Retained earnings to average equity (ytd only) | 9.6231% | 1,307 |
| Net charge-offs to loans | 0.1673% | 3,629 |
| Credit loss provision to net charge-offs | 277.7778% | 1,723 |
| Earnings coverage of net charge-offs (x) | 9.1852% | 2,091 |
| Efficiency ratio | 78.0337% | 3,159 |
| Assets per employee ($millions) | 2.3833% | 7,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6322% | 2,391 |
| Loan loss allowance to noncurrent loans | 24.7825% | 6,921 |
| Noncurrent assets plus other real estate owned to assets | 6.0080% | 660 |
| Noncurrent loans to loans | 6.5859% | 655 |
| Net loans and leases to total assets | 72.0354% | 3,236 |
| Net loans and leases to deposits | 79.1041% | 4,760 |
| Net loans and leases to core deposits | 84.7143% | 6,005 |
| Total domestic deposits to total assets | 91.0640% | 395 |
| Equity capital to assets | 8.7500% | 5,695 |
| Core capital (leverage) ratio | 8.6561% | 5,242 |
| Tier 1 risk-based capital ratio | 11.6641% | 5,243 |
| Total risk-based capital ratio | 12.9179% | 5,152 |
| Memoranda: | ||
| Average total assets | $87,648,000 | 5,559 |
| Average earning assets | $81,441,500 | 5,505 |
| Average equity | $6,858,500 | 6,456 |
| Average total loans | $64,539,500 | 5,177 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3708% | 3,570 |
| Cost of funding earning assets | 2.2004% | 5,595 |
| Net interest margin | 4.1704% | 2,435 |
| Noninterest income to average assets | 0.9790% | 1,652 |
| Noninterest expense to average assets | 3.7996% | 1,756 |
| Loan and lease loss provision to assets | 0.6289% | 2,312 |
| Net operating income to assets | 0.3747% | 5,252 |
| Return on assets (ROA) | 0.4141% | 4,911 |
| Pretax return on assets | 0.4355% | 5,170 |
| Return on Equity (ROE) | 5.8943% | 3,987 |
| Retained earnings to average equity (ytd only) | 1.8578% | 4,069 |
| Net charge-offs to loans | 0.3209% | 3,256 |
| Credit loss provision to net charge-offs | 271.7949% | 1,692 |
| Earnings coverage of net charge-offs (x) | 4.4205% | 3,990 |
| Efficiency ratio | 78.7894% | 2,791 |
| Assets per employee ($millions) | 2.3544% | 7,480 |
| Cash dividends to net income (ytd only)* | 68.4814% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5596% | 2,403 |
| Loan loss allowance to noncurrent loans | 58.1839% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 2.2786% | 2,134 |
| Noncurrent loans to loans | 2.6805% | 2,018 |
| Net loans and leases to total assets | 72.8892% | 3,387 |
| Net loans and leases to deposits | 79.7328% | 5,092 |
| Net loans and leases to core deposits | 85.8808% | 6,141 |
| Total domestic deposits to total assets | 91.4169% | 217 |
| Equity capital to assets | 6.8888% | 7,786 |
| Core capital (leverage) ratio | 6.5517% | 7,915 |
| Tier 1 risk-based capital ratio | 9.2074% | 7,606 |
| Total risk-based capital ratio | 10.4626% | 7,552 |
| Memoranda: | ||
| Average total assets | $84,271,200 | 5,553 |
| Average earning assets | $77,666,800 | 5,518 |
| Average equity | $5,921,000 | 6,834 |
| Average total loans | $60,771,200 | 5,230 |