Home > Maryland Financial Bank > Performance and Condition Ratios
Maryland Financial Bank, Performance and Condition Ratios
| 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 | 0.8035% | 5,359 |
| Cost of funding earning assets | 0.4326% | 4,358 |
| Net interest margin | 0.3708% | 5,358 |
| Noninterest income to average assets | 0.4236% | 3,023 |
| Noninterest expense to average assets | 33.5275% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -32.7408% | 5,362 |
| Return on assets (ROA) | -32.7408% | 5,362 |
| Pretax return on assets | -32.7408% | 5,361 |
| Return on Equity (ROE) | -128.6946% | 5,359 |
| Retained earnings to average equity (ytd only) | -128.6946% | 5,354 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 4,261.5385% | 1 |
| Assets per employee ($millions) | 0.5350% | 5,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,315 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 17.8816% | 5 |
| Noncurrent loans to loans | 100.0000% | 1 |
| Net loans and leases to total assets | 17.8816% | 5,274 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 5,371 |
| Equity capital to assets | 87.9128% | 16 |
| Core capital (leverage) ratio | 44.9077% | 39 |
| Tier 1 risk-based capital ratio | 275.0487% | 15 |
| Total risk-based capital ratio | 275.0487% | 15 |
| Memoranda: | ||
| Average total assets | $6,609,500 | 5,367 |
| Average earning assets | $6,472,000 | 5,351 |
| Average equity | $1,681,500 | 5,332 |
| Average total loans | $399,500 | 5,331 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4387% | 4,974 |
| Cost of funding earning assets | 1.8568% | 20 |
| Net interest margin | 1.5819% | 5,369 |
| Noninterest income to average assets | -1.7182% | 5,403 |
| Noninterest expense to average assets | 4.3667% | 338 |
| Loan and lease loss provision to assets | -0.1404% | 5,296 |
| Net operating income to assets | -4.3772% | 5,390 |
| Return on assets (ROA) | -5.1483% | 5,395 |
| Pretax return on assets | -5.1483% | 5,393 |
| Return on Equity (ROE) | -73.4485% | 5,400 |
| Retained earnings to average equity (ytd only) | -73.4485% | 5,398 |
| Net charge-offs to loans | 1.3656% | 87 |
| Credit loss provision to net charge-offs | -20.5521% | 4,291 |
| Earnings coverage of net charge-offs (x) | -6.6135% | 3,748 |
| Efficiency ratio | -2,894.4444% | 5,405 |
| Assets per employee ($millions) | 1.9357% | 5,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,359 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 2.4712% | 313 |
| Noncurrent loans to loans | 56.0547% | 1 |
| Net loans and leases to total assets | 4.4085% | 5,370 |
| Net loans and leases to deposits | 5.3540% | 5,371 |
| Net loans and leases to core deposits | 6.3500% | 5,362 |
| Total domestic deposits to total assets | 82.3403% | 3,539 |
| Equity capital to assets | 16.8073% | 431 |
| Core capital (leverage) ratio | 6.0681% | 5,383 |
| Tier 1 risk-based capital ratio | 268.5007% | 19 |
| Total risk-based capital ratio | 268.5007% | 19 |
| Memoranda: | ||
| Average total assets | $47,724,800 | 4,980 |
| Average earning assets | $47,285,200 | 4,911 |
| Average equity | $3,345,200 | 5,254 |
| Average total loans | $23,872,000 | 4,973 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3515% | 5,084 |
| Cost of funding earning assets | 1.7184% | 25 |
| Net interest margin | 1.6331% | 5,442 |
| Noninterest income to average assets | -0.0869% | 5,449 |
| Noninterest expense to average assets | 3.8529% | 629 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -2.3211% | 5,452 |
| Return on assets (ROA) | -3.1880% | 5,458 |
| Pretax return on assets | -3.1880% | 5,456 |
| Return on Equity (ROE) | -48.9858% | 5,467 |
| Retained earnings to average equity (ytd only) | -48.9858% | 5,464 |
| Net charge-offs to loans | 0.1750% | 950 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | -25.3327% | 3,476 |
| Efficiency ratio | 251.5337% | 11 |
| Assets per employee ($millions) | 6.0473% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6978% | 191 |
| Loan loss allowance to noncurrent loans | 61.6725% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 1.3560% | 992 |
| Noncurrent loans to loans | 4.3743% | 172 |
| Net loans and leases to total assets | 30.1623% | 5,275 |
| Net loans and leases to deposits | 33.7876% | 5,303 |
| Net loans and leases to core deposits | 35.1842% | 5,306 |
| Total domestic deposits to total assets | 89.2703% | 741 |
| Equity capital to assets | 7.2098% | 5,361 |
| Core capital (leverage) ratio | 6.1224% | 5,453 |
| Tier 1 risk-based capital ratio | 29.5336% | 503 |
| Total risk-based capital ratio | 30.8109% | 491 |
| Memoranda: | ||
| Average total assets | $56,752,500 | 4,871 |
| Average earning assets | $56,251,750 | 4,795 |
| Average equity | $3,693,500 | 5,277 |
| Average total loans | $29,712,000 | 4,879 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4309% | 5,001 |
| Cost of funding earning assets | 1.6498% | 24 |
| Net interest margin | 1.7810% | 5,492 |
| Noninterest income to average assets | 0.0747% | 5,340 |
| Noninterest expense to average assets | 3.7167% | 739 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -1.8779% | 5,505 |
| Return on assets (ROA) | -1.8779% | 5,499 |
| Pretax return on assets | -1.8779% | 5,496 |
| Return on Equity (ROE) | -29.5854% | 5,523 |
| Retained earnings to average equity (ytd only) | -29.5854% | 5,514 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 202.1201% | 12 |
| Assets per employee ($millions) | 6.0617% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5334% | 1,290 |
| Loan loss allowance to noncurrent loans | 33.5038% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 2.1501% | 470 |
| Noncurrent loans to loans | 4.5768% | 164 |
| Net loans and leases to total assets | 46.2579% | 4,814 |
| Net loans and leases to deposits | 53.3125% | 4,864 |
| Net loans and leases to core deposits | 55.3627% | 4,886 |
| Total domestic deposits to total assets | 86.7675% | 1,941 |
| Equity capital to assets | 6.4962% | 5,483 |
| Core capital (leverage) ratio | 6.2540% | 5,512 |
| Tier 1 risk-based capital ratio | 17.2731% | 2,014 |
| Total risk-based capital ratio | 18.5265% | 1,959 |
| Memoranda: | ||
| Average total assets | $61,559,670 | 4,842 |
| Average earning assets | $60,976,000 | 4,750 |
| Average equity | $3,907,330 | 5,318 |
| Average total loans | $35,242,000 | 4,772 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4095% | 5,007 |
| Cost of funding earning assets | 1.4905% | 45 |
| Net interest margin | 1.9190% | 5,545 |
| Noninterest income to average assets | 0.0184% | 5,534 |
| Noninterest expense to average assets | 3.4798% | 1,037 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -1.5616% | 5,556 |
| Return on assets (ROA) | -1.5616% | 5,555 |
| Pretax return on assets | -1.5616% | 5,553 |
| Return on Equity (ROE) | -24.8472% | 5,580 |
| Retained earnings to average equity (ytd only) | -24.8472% | 5,536 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 181.4103% | 18 |
| Assets per employee ($millions) | 7.3519% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 3,866 |
| Loan loss allowance to noncurrent loans | 67.8756% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 1.0912% | 1,426 |
| Noncurrent loans to loans | 1.4957% | 1,179 |
| Net loans and leases to total assets | 57.9110% | 3,945 |
| Net loans and leases to deposits | 69.4217% | 3,836 |
| Net loans and leases to core deposits | 71.6975% | 3,988 |
| Total domestic deposits to total assets | 83.4192% | 3,534 |
| Equity capital to assets | 5.8745% | 5,571 |
| Core capital (leverage) ratio | 6.3394% | 5,563 |
| Tier 1 risk-based capital ratio | 11.5925% | 4,809 |
| Total risk-based capital ratio | 12.6890% | 4,789 |
| Memoranda: | ||
| Average total assets | $65,062,000 | 4,830 |
| Average earning assets | $64,408,000 | 4,741 |
| Average equity | $4,089,000 | 5,343 |
| Average total loans | $40,048,500 | 4,688 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6293% | 4,512 |
| Cost of funding earning assets | 1.1526% | 94 |
| Net interest margin | 2.4766% | 5,422 |
| Noninterest income to average assets | -0.0687% | 5,644 |
| Noninterest expense to average assets | 3.5144% | 1,008 |
| Loan and lease loss provision to assets | -0.2014% | 5,576 |
| Net operating income to assets | -0.9333% | 5,577 |
| Return on assets (ROA) | -0.9333% | 5,578 |
| Pretax return on assets | -0.9333% | 5,589 |
| Return on Equity (ROE) | -12.4494% | 5,611 |
| Retained earnings to average equity (ytd only) | -12.4494% | 5,568 |
| Net charge-offs to loans | -0.0023% | 4,542 |
| Credit loss provision to net charge-offs | 12,600.0000% | 23 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 147.6830% | 27 |
| Assets per employee ($millions) | 6.3957% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9496% | 4,210 |
| Loan loss allowance to noncurrent loans | 67.7586% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 1.1304% | 1,319 |
| Noncurrent loans to loans | 1.4014% | 1,225 |
| Net loans and leases to total assets | 64.0946% | 3,355 |
| Net loans and leases to deposits | 82.7907% | 2,634 |
| Net loans and leases to core deposits | 86.6788% | 2,860 |
| Total domestic deposits to total assets | 77.4176% | 4,807 |
| Equity capital to assets | 6.7092% | 5,602 |
| Core capital (leverage) ratio | 6.7979% | 5,611 |
| Tier 1 risk-based capital ratio | 11.4851% | 4,857 |
| Total risk-based capital ratio | 12.5091% | 4,882 |
| Memoranda: | ||
| Average total assets | $62,572,000 | 4,914 |
| Average earning assets | $61,858,400 | 4,818 |
| Average equity | $4,691,000 | 5,320 |
| Average total loans | $44,051,800 | 4,614 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5527% | 4,681 |
| Cost of funding earning assets | 1.1018% | 111 |
| Net interest margin | 2.4509% | 5,501 |
| Noninterest income to average assets | -0.0407% | 5,703 |
| Noninterest expense to average assets | 3.1519% | 1,670 |
| Loan and lease loss provision to assets | -0.1864% | 5,646 |
| Net operating income to assets | -0.5850% | 5,638 |
| Return on assets (ROA) | -0.5850% | 5,637 |
| Pretax return on assets | -0.5850% | 5,630 |
| Return on Equity (ROE) | -7.5974% | 5,652 |
| Retained earnings to average equity (ytd only) | -7.5974% | 5,587 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.4032% | 43 |
| Assets per employee ($millions) | 7.0873% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9934% | 4,104 |
| Loan loss allowance to noncurrent loans | 55.1151% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 1.5082% | 1,008 |
| Noncurrent loans to loans | 1.8024% | 991 |
| Net loans and leases to total assets | 67.3424% | 2,942 |
| Net loans and leases to deposits | 88.7225% | 1,962 |
| Net loans and leases to core deposits | 92.9822% | 2,349 |
| Total domestic deposits to total assets | 75.9022% | 5,025 |
| Equity capital to assets | 7.3072% | 5,635 |
| Core capital (leverage) ratio | 7.5001% | 5,620 |
| Tier 1 risk-based capital ratio | 11.6163% | 4,872 |
| Total risk-based capital ratio | 12.6761% | 4,888 |
| Memoranda: | ||
| Average total assets | $62,225,750 | 4,975 |
| Average earning assets | $61,473,500 | 4,879 |
| Average equity | $4,791,000 | 5,366 |
| Average total loans | $44,718,250 | 4,644 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5411% | 4,651 |
| Cost of funding earning assets | 1.0600% | 123 |
| Net interest margin | 2.4811% | 5,517 |
| Noninterest income to average assets | -0.0875% | 5,754 |
| Noninterest expense to average assets | 3.1991% | 1,583 |
| Loan and lease loss provision to assets | -0.2820% | 5,728 |
| Net operating income to assets | -0.5542% | 5,686 |
| Return on assets (ROA) | -0.5542% | 5,684 |
| Pretax return on assets | -0.5542% | 5,679 |
| Return on Equity (ROE) | -7.0744% | 5,699 |
| Retained earnings to average equity (ytd only) | -7.0744% | 5,589 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.3909% | 39 |
| Assets per employee ($millions) | 7.0184% | 925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9706% | 4,320 |
| Loan loss allowance to noncurrent loans | 52.4970% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 1.5847% | 940 |
| Noncurrent loans to loans | 1.8488% | 955 |
| Net loans and leases to total assets | 69.6197% | 2,581 |
| Net loans and leases to deposits | 92.0828% | 1,482 |
| Net loans and leases to core deposits | 94.9990% | 2,068 |
| Total domestic deposits to total assets | 75.6055% | 5,134 |
| Equity capital to assets | 7.5357% | 5,652 |
| Core capital (leverage) ratio | 7.6843% | 5,611 |
| Tier 1 risk-based capital ratio | 11.6461% | 4,867 |
| Total risk-based capital ratio | 12.6868% | 4,894 |
| Memoranda: | ||
| Average total assets | $61,705,670 | 5,025 |
| Average earning assets | $60,940,670 | 4,926 |
| Average equity | $4,834,330 | 5,397 |
| Average total loans | $45,162,330 | 4,658 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5294% | 4,610 |
| Cost of funding earning assets | 1.0169% | 155 |
| Net interest margin | 2.5124% | 5,540 |
| Noninterest income to average assets | 0.0262% | 5,769 |
| Noninterest expense to average assets | 3.3718% | 1,252 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.8659% | 5,776 |
| Return on assets (ROA) | -0.8659% | 5,776 |
| Pretax return on assets | -0.8659% | 5,762 |
| Return on Equity (ROE) | -10.8386% | 5,784 |
| Retained earnings to average equity (ytd only) | -10.8386% | 5,597 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.5550% | 45 |
| Assets per employee ($millions) | 6.1832% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 3,420 |
| Loan loss allowance to noncurrent loans | 63.0938% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 1.6836% | 894 |
| Noncurrent loans to loans | 1.8202% | 1,026 |
| Net loans and leases to total assets | 72.1099% | 2,057 |
| Net loans and leases to deposits | 94.5581% | 1,060 |
| Net loans and leases to core deposits | 98.1314% | 1,646 |
| Total domestic deposits to total assets | 76.2599% | 5,206 |
| Equity capital to assets | 7.7791% | 5,607 |
| Core capital (leverage) ratio | 7.9223% | 5,588 |
| Tier 1 risk-based capital ratio | 11.4751% | 5,042 |
| Total risk-based capital ratio | 12.6953% | 4,962 |
| Memoranda: | ||
| Average total assets | $60,975,500 | 5,095 |
| Average earning assets | $60,180,500 | 5,000 |
| Average equity | $4,871,500 | 5,445 |
| Average total loans | $45,540,000 | 4,687 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5098% | 4,756 |
| Cost of funding earning assets | 0.8675% | 352 |
| Net interest margin | 2.6423% | 5,482 |
| Noninterest income to average assets | 0.0664% | 5,735 |
| Noninterest expense to average assets | 3.3716% | 1,420 |
| Loan and lease loss provision to assets | 0.7778% | 147 |
| Net operating income to assets | -1.7088% | 5,876 |
| Return on assets (ROA) | -1.7088% | 5,875 |
| Pretax return on assets | -1.4807% | 5,859 |
| Return on Equity (ROE) | -18.2360% | 5,871 |
| Retained earnings to average equity (ytd only) | -18.2360% | 5,846 |
| Net charge-offs to loans | 1.0654% | 174 |
| Credit loss provision to net charge-offs | 101.3304% | 2,537 |
| Earnings coverage of net charge-offs (x) | -0.9157% | 4,167 |
| Efficiency ratio | 126.3393% | 73 |
| Assets per employee ($millions) | 6.0119% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 3,577 |
| Loan loss allowance to noncurrent loans | 62.9720% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 1.7316% | 885 |
| Noncurrent loans to loans | 1.7858% | 1,065 |
| Net loans and leases to total assets | 75.6134% | 1,579 |
| Net loans and leases to deposits | 102.5769% | 493 |
| Net loans and leases to core deposits | 108.4761% | 993 |
| Total domestic deposits to total assets | 73.7138% | 5,459 |
| Equity capital to assets | 8.2054% | 5,467 |
| Core capital (leverage) ratio | 8.1086% | 5,558 |
| Tier 1 risk-based capital ratio | 11.3640% | 5,135 |
| Total risk-based capital ratio | 12.5466% | 5,069 |
| Memoranda: | ||
| Average total assets | $58,755,800 | 5,169 |
| Average earning assets | $57,866,000 | 5,073 |
| Average equity | $5,505,600 | 5,368 |
| Average total loans | $42,333,200 | 4,804 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4827% | 4,858 |
| Cost of funding earning assets | 0.8324% | 423 |
| Net interest margin | 2.6503% | 5,545 |
| Noninterest income to average assets | 0.0594% | 5,811 |
| Noninterest expense to average assets | 3.3826% | 1,378 |
| Loan and lease loss provision to assets | 1.0317% | 98 |
| Net operating income to assets | -1.7461% | 5,938 |
| Return on assets (ROA) | -1.7461% | 5,938 |
| Pretax return on assets | -1.7461% | 5,935 |
| Return on Equity (ROE) | -18.0566% | 5,938 |
| Retained earnings to average equity (ytd only) | -18.0566% | 5,905 |
| Net charge-offs to loans | 1.4517% | 94 |
| Credit loss provision to net charge-offs | 100.2217% | 2,348 |
| Earnings coverage of net charge-offs (x) | -0.6940% | 3,845 |
| Efficiency ratio | 126.7750% | 65 |
| Assets per employee ($millions) | 5.4752% | 1,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 3,638 |
| Loan loss allowance to noncurrent loans | 62.3630% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 1.7285% | 981 |
| Noncurrent loans to loans | 1.8211% | 1,126 |
| Net loans and leases to total assets | 74.0034% | 1,869 |
| Net loans and leases to deposits | 106.4765% | 367 |
| Net loans and leases to core deposits | 113.5744% | 743 |
| Total domestic deposits to total assets | 69.5021% | 5,724 |
| Equity capital to assets | 8.7270% | 5,379 |
| Core capital (leverage) ratio | 8.5405% | 5,327 |
| Tier 1 risk-based capital ratio | 12.1785% | 4,687 |
| Total risk-based capital ratio | 13.3956% | 4,610 |
| Memoranda: | ||
| Average total assets | $58,415,000 | 5,224 |
| Average earning assets | $57,502,250 | 5,132 |
| Average equity | $5,648,750 | 5,395 |
| Average total loans | $41,422,750 | 4,877 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4849% | 4,912 |
| Cost of funding earning assets | 0.8053% | 480 |
| Net interest margin | 2.6796% | 5,597 |
| Noninterest income to average assets | 0.0000% | 5,999 |
| Noninterest expense to average assets | 3.4630% | 1,238 |
| Loan and lease loss provision to assets | 0.9168% | 109 |
| Net operating income to assets | -1.7436% | 6,006 |
| Return on assets (ROA) | -1.7436% | 6,007 |
| Pretax return on assets | -1.7436% | 6,004 |
| Return on Equity (ROE) | -17.4404% | 6,006 |
| Retained earnings to average equity (ytd only) | -17.4404% | 5,956 |
| Net charge-offs to loans | 0.3532% | 664 |
| Credit loss provision to net charge-offs | 373.2394% | 819 |
| Earnings coverage of net charge-offs (x) | -3.3662% | 3,620 |
| Efficiency ratio | 131.3648% | 63 |
| Assets per employee ($millions) | 5.2915% | 1,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7193% | 1,236 |
| Loan loss allowance to noncurrent loans | 41.5929% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 3.3673% | 330 |
| Noncurrent loans to loans | 4.1337% | 272 |
| Net loans and leases to total assets | 69.2339% | 2,602 |
| Net loans and leases to deposits | 103.1034% | 505 |
| Net loans and leases to core deposits | 115.8683% | 641 |
| Total domestic deposits to total assets | 67.1500% | 5,861 |
| Equity capital to assets | 9.4817% | 4,785 |
| Core capital (leverage) ratio | 9.3580% | 4,387 |
| Tier 1 risk-based capital ratio | 12.9542% | 4,228 |
| Total risk-based capital ratio | 14.2128% | 4,133 |
| Memoranda: | ||
| Average total assets | $57,811,000 | 5,295 |
| Average earning assets | $56,874,670 | 5,204 |
| Average equity | $5,779,670 | 5,427 |
| Average total loans | $40,203,000 | 4,963 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4874% | 4,917 |
| Cost of funding earning assets | 0.7907% | 510 |
| Net interest margin | 2.6967% | 5,624 |
| Noninterest income to average assets | 0.0555% | 5,948 |
| Noninterest expense to average assets | 3.3187% | 1,559 |
| Loan and lease loss provision to assets | 0.1041% | 1,970 |
| Net operating income to assets | -0.7151% | 6,002 |
| Return on assets (ROA) | -0.7151% | 6,003 |
| Pretax return on assets | -0.7151% | 5,994 |
| Return on Equity (ROE) | -6.9712% | 6,002 |
| Retained earnings to average equity (ytd only) | -6.9712% | 5,717 |
| Net charge-offs to loans | 0.7135% | 295 |
| Credit loss provision to net charge-offs | 21.1268% | 2,291 |
| Earnings coverage of net charge-offs (x) | -1.2394% | 3,009 |
| Efficiency ratio | 122.5641% | 93 |
| Assets per employee ($millions) | 5.0918% | 2,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1654% | 3,684 |
| Loan loss allowance to noncurrent loans | 26.5771% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 3.5654% | 308 |
| Noncurrent loans to loans | 4.3849% | 250 |
| Net loans and leases to total assets | 68.8948% | 2,514 |
| Net loans and leases to deposits | 105.8220% | 346 |
| Net loans and leases to core deposits | 118.2919% | 518 |
| Total domestic deposits to total assets | 65.1044% | 5,982 |
| Equity capital to assets | 10.5088% | 3,481 |
| Core capital (leverage) ratio | 10.1317% | 3,389 |
| Tier 1 risk-based capital ratio | 14.8160% | 3,238 |
| Total risk-based capital ratio | 15.9815% | 3,215 |
| Memoranda: | ||
| Average total assets | $57,613,000 | 5,343 |
| Average earning assets | $56,661,500 | 5,247 |
| Average equity | $5,910,000 | 5,437 |
| Average total loans | $39,802,500 | 5,012 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9210% | 3,636 |
| Cost of funding earning assets | 0.6328% | 1,163 |
| Net interest margin | 3.2882% | 4,335 |
| Noninterest income to average assets | -0.0388% | 6,129 |
| Noninterest expense to average assets | 3.5876% | 1,149 |
| Loan and lease loss provision to assets | -0.2400% | 6,024 |
| Net operating income to assets | -0.1588% | 5,952 |
| Return on assets (ROA) | -0.1129% | 5,949 |
| Pretax return on assets | -0.1129% | 5,934 |
| Return on Equity (ROE) | -1.0490% | 5,942 |
| Retained earnings to average equity (ytd only) | -1.0490% | 5,665 |
| Net charge-offs to loans | 0.2089% | 1,409 |
| Credit loss provision to net charge-offs | -160.0000% | 5,240 |
| Earnings coverage of net charge-offs (x) | -2.6588% | 4,370 |
| Efficiency ratio | 112.5069% | 120 |
| Assets per employee ($millions) | 5.3827% | 1,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2598% | 3,113 |
| Loan loss allowance to noncurrent loans | 33.0103% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 3.0958% | 417 |
| Noncurrent loans to loans | 3.8164% | 337 |
| Net loans and leases to total assets | 67.6423% | 2,765 |
| Net loans and leases to deposits | 109.0031% | 272 |
| Net loans and leases to core deposits | 133.0819% | 231 |
| Total domestic deposits to total assets | 62.0554% | 6,072 |
| Equity capital to assets | 10.0726% | 3,883 |
| Core capital (leverage) ratio | 10.7650% | 2,641 |
| Tier 1 risk-based capital ratio | 15.1482% | 3,106 |
| Total risk-based capital ratio | 16.3995% | 3,036 |
| Memoranda: | ||
| Average total assets | $56,667,800 | 5,391 |
| Average earning assets | $55,623,200 | 5,304 |
| Average equity | $6,100,800 | 5,417 |
| Average total loans | $40,695,000 | 4,978 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0437% | 3,150 |
| Cost of funding earning assets | 0.6307% | 1,210 |
| Net interest margin | 3.4130% | 3,901 |
| Noninterest income to average assets | -0.0762% | 6,228 |
| Noninterest expense to average assets | 3.5360% | 1,219 |
| Loan and lease loss provision to assets | -0.2617% | 6,138 |
| Net operating income to assets | 0.0000% | 5,935 |
| Return on assets (ROA) | 0.0619% | 5,925 |
| Pretax return on assets | 0.0595% | 5,923 |
| Return on Equity (ROE) | 0.5651% | 5,913 |
| Retained earnings to average equity (ytd only) | 0.5651% | 5,451 |
| Net charge-offs to loans | 0.2815% | 948 |
| Credit loss provision to net charge-offs | -127.9070% | 5,089 |
| Earnings coverage of net charge-offs (x) | -1.2908% | 4,066 |
| Efficiency ratio | 108.0727% | 165 |
| Assets per employee ($millions) | 4.9293% | 2,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 2,851 |
| Loan loss allowance to noncurrent loans | 37.5613% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 3.2164% | 438 |
| Noncurrent loans to loans | 3.5936% | 423 |
| Net loans and leases to total assets | 72.2456% | 2,020 |
| Net loans and leases to deposits | 112.3401% | 202 |
| Net loans and leases to core deposits | 132.2921% | 248 |
| Total domestic deposits to total assets | 64.3097% | 6,124 |
| Equity capital to assets | 11.2556% | 2,747 |
| Core capital (leverage) ratio | 10.8592% | 2,634 |
| Tier 1 risk-based capital ratio | 15.7043% | 2,952 |
| Total risk-based capital ratio | 16.9559% | 2,884 |
| Memoranda: | ||
| Average total assets | $56,032,250 | 5,474 |
| Average earning assets | $54,964,750 | 5,388 |
| Average equity | $6,135,000 | 5,475 |
| Average total loans | $40,728,250 | 5,031 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1560% | 2,697 |
| Cost of funding earning assets | 0.6122% | 1,328 |
| Net interest margin | 3.5438% | 3,315 |
| Noninterest income to average assets | 0.0812% | 6,088 |
| Noninterest expense to average assets | 3.4996% | 1,297 |
| Loan and lease loss provision to assets | -0.1589% | 6,145 |
| Net operating income to assets | 0.2154% | 5,658 |
| Return on assets (ROA) | 0.2154% | 5,728 |
| Pretax return on assets | 0.2154% | 5,788 |
| Return on Equity (ROE) | 1.9851% | 5,682 |
| Retained earnings to average equity (ytd only) | 1.9851% | 4,705 |
| Net charge-offs to loans | 0.5162% | 480 |
| Credit loss provision to net charge-offs | -42.4528% | 4,798 |
| Earnings coverage of net charge-offs (x) | 0.1509% | 3,696 |
| Efficiency ratio | 98.4111% | 367 |
| Assets per employee ($millions) | 5.1130% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3952% | 2,782 |
| Loan loss allowance to noncurrent loans | 48.5380% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 2.8039% | 624 |
| Noncurrent loans to loans | 2.8744% | 709 |
| Net loans and leases to total assets | 73.0082% | 1,820 |
| Net loans and leases to deposits | 110.9754% | 242 |
| Net loans and leases to core deposits | 130.4425% | 266 |
| Total domestic deposits to total assets | 65.7877% | 6,175 |
| Equity capital to assets | 10.9791% | 2,904 |
| Core capital (leverage) ratio | 10.6277% | 2,822 |
| Tier 1 risk-based capital ratio | 15.5009% | 3,105 |
| Total risk-based capital ratio | 16.7548% | 3,049 |
| Memoranda: | ||
| Average total assets | $56,635,670 | 5,524 |
| Average earning assets | $55,534,000 | 5,425 |
| Average equity | $6,145,670 | 5,518 |
| Average total loans | $41,068,000 | 5,066 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8286% | 3,895 |
| Cost of funding earning assets | 0.5890% | 1,513 |
| Net interest margin | 3.2396% | 4,455 |
| Noninterest income to average assets | 0.0774% | 6,157 |
| Noninterest expense to average assets | 3.2728% | 1,784 |
| Loan and lease loss provision to assets | 0.0352% | 3,199 |
| Net operating income to assets | -0.0563% | 6,062 |
| Return on assets (ROA) | -0.0563% | 6,098 |
| Pretax return on assets | -0.0563% | 6,090 |
| Return on Equity (ROE) | -0.5219% | 6,096 |
| Retained earnings to average equity (ytd only) | -0.5219% | 5,473 |
| Net charge-offs to loans | 1.4124% | 141 |
| Credit loss provision to net charge-offs | 3.4722% | 2,471 |
| Earnings coverage of net charge-offs (x) | -0.0208% | 3,115 |
| Efficiency ratio | 100.6494% | 352 |
| Assets per employee ($millions) | 5.1655% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4745% | 2,559 |
| Loan loss allowance to noncurrent loans | 43.3163% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 3.0781% | 597 |
| Noncurrent loans to loans | 3.4039% | 581 |
| Net loans and leases to total assets | 69.7378% | 2,178 |
| Net loans and leases to deposits | 108.2207% | 252 |
| Net loans and leases to core deposits | 128.6025% | 256 |
| Total domestic deposits to total assets | 64.4403% | 6,272 |
| Equity capital to assets | 10.8131% | 3,181 |
| Core capital (leverage) ratio | 10.6504% | 2,790 |
| Tier 1 risk-based capital ratio | 15.4095% | 3,193 |
| Total risk-based capital ratio | 16.6628% | 3,126 |
| Memoranda: | ||
| Average total assets | $56,832,000 | 5,575 |
| Average earning assets | $55,686,500 | 5,472 |
| Average equity | $6,131,000 | 5,571 |
| Average total loans | $40,780,500 | 5,113 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0641% | 3,464 |
| Cost of funding earning assets | 0.6271% | 1,558 |
| Net interest margin | 3.4370% | 4,035 |
| Noninterest income to average assets | 0.5097% | 3,434 |
| Noninterest expense to average assets | 3.6245% | 1,260 |
| Loan and lease loss provision to assets | 0.1754% | 1,470 |
| Net operating income to assets | 0.0679% | 5,995 |
| Return on assets (ROA) | 0.0679% | 6,023 |
| Pretax return on assets | 0.0662% | 6,028 |
| Return on Equity (ROE) | 0.6795% | 6,010 |
| Retained earnings to average equity (ytd only) | 0.6795% | 5,457 |
| Net charge-offs to loans | 0.3632% | 1,200 |
| Credit loss provision to net charge-offs | 68.8312% | 3,101 |
| Earnings coverage of net charge-offs (x) | 0.9481% | 4,530 |
| Efficiency ratio | 93.7500% | 609 |
| Assets per employee ($millions) | 4.7370% | 2,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7706% | 1,595 |
| Loan loss allowance to noncurrent loans | 86.0165% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 2.2553% | 1,075 |
| Noncurrent loans to loans | 2.0584% | 1,333 |
| Net loans and leases to total assets | 71.4429% | 2,008 |
| Net loans and leases to deposits | 121.2305% | 90 |
| Net loans and leases to core deposits | 127.0364% | 284 |
| Total domestic deposits to total assets | 58.9315% | 6,414 |
| Equity capital to assets | 10.7698% | 3,157 |
| Core capital (leverage) ratio | 10.6307% | 2,803 |
| Tier 1 risk-based capital ratio | 15.5153% | 3,224 |
| Total risk-based capital ratio | 16.7727% | 3,152 |
| Memoranda: | ||
| Average total assets | $60,422,800 | 5,539 |
| Average earning assets | $59,005,000 | 5,429 |
| Average equity | $6,034,000 | 5,611 |
| Average total loans | $42,398,400 | 5,089 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0533% | 3,543 |
| Cost of funding earning assets | 0.6325% | 1,579 |
| Net interest margin | 3.4208% | 4,148 |
| Noninterest income to average assets | 0.5175% | 3,427 |
| Noninterest expense to average assets | 3.6487% | 1,214 |
| Loan and lease loss provision to assets | 0.3175% | 591 |
| Net operating income to assets | -0.1065% | 6,223 |
| Return on assets (ROA) | -0.1065% | 6,228 |
| Pretax return on assets | -0.1087% | 6,208 |
| Return on Equity (ROE) | -1.0867% | 6,232 |
| Retained earnings to average equity (ytd only) | -1.0867% | 5,976 |
| Net charge-offs to loans | 0.4844% | 808 |
| Credit loss provision to net charge-offs | 94.1935% | 2,354 |
| Earnings coverage of net charge-offs (x) | 0.6194% | 4,348 |
| Efficiency ratio | 94.5885% | 565 |
| Assets per employee ($millions) | 4.6348% | 2,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8503% | 1,574 |
| Loan loss allowance to noncurrent loans | 85.5716% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 2.2904% | 1,190 |
| Noncurrent loans to loans | 2.1622% | 1,419 |
| Net loans and leases to total assets | 67.8799% | 2,558 |
| Net loans and leases to deposits | 108.4336% | 256 |
| Net loans and leases to core deposits | 111.3959% | 689 |
| Total domestic deposits to total assets | 62.6004% | 6,455 |
| Equity capital to assets | 9.9715% | 4,196 |
| Core capital (leverage) ratio | 10.2666% | 3,321 |
| Tier 1 risk-based capital ratio | 15.2055% | 3,469 |
| Total risk-based capital ratio | 16.4666% | 3,406 |
| Memoranda: | ||
| Average total assets | $61,317,500 | 5,585 |
| Average earning assets | $59,867,500 | 5,461 |
| Average equity | $6,012,000 | 5,678 |
| Average total loans | $42,662,250 | 5,134 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1058% | 3,318 |
| Cost of funding earning assets | 0.6488% | 1,524 |
| Net interest margin | 3.4570% | 3,955 |
| Noninterest income to average assets | 0.4929% | 3,525 |
| Noninterest expense to average assets | 3.5705% | 1,350 |
| Loan and lease loss provision to assets | 0.4054% | 413 |
| Net operating income to assets | -0.1135% | 6,266 |
| Return on assets (ROA) | -0.1135% | 6,275 |
| Pretax return on assets | -0.1135% | 6,262 |
| Return on Equity (ROE) | -1.1641% | 6,283 |
| Retained earnings to average equity (ytd only) | -1.1641% | 5,877 |
| Net charge-offs to loans | 0.8094% | 471 |
| Credit loss provision to net charge-offs | 71.8391% | 2,437 |
| Earnings coverage of net charge-offs (x) | 0.5172% | 4,028 |
| Efficiency ratio | 92.4433% | 736 |
| Assets per employee ($millions) | 4.5306% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7400% | 2,006 |
| Loan loss allowance to noncurrent loans | 53.9882% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 3.7217% | 605 |
| Noncurrent loans to loans | 3.2229% | 876 |
| Net loans and leases to total assets | 70.0890% | 2,069 |
| Net loans and leases to deposits | 111.8726% | 169 |
| Net loans and leases to core deposits | 115.8407% | 480 |
| Total domestic deposits to total assets | 62.6507% | 6,534 |
| Equity capital to assets | 10.2380% | 3,775 |
| Core capital (leverage) ratio | 10.0414% | 3,552 |
| Tier 1 risk-based capital ratio | 14.8616% | 3,715 |
| Total risk-based capital ratio | 16.1187% | 3,652 |
| Memoranda: | ||
| Average total assets | $61,672,670 | 5,620 |
| Average earning assets | $60,109,670 | 5,501 |
| Average equity | $6,013,330 | 5,715 |
| Average total loans | $42,993,000 | 5,164 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0732% | 3,386 |
| Cost of funding earning assets | 0.6572% | 1,541 |
| Net interest margin | 3.4160% | 4,048 |
| Noninterest income to average assets | 0.4757% | 3,594 |
| Noninterest expense to average assets | 3.4570% | 1,576 |
| Loan and lease loss provision to assets | 0.2030% | 1,148 |
| Net operating income to assets | 0.1459% | 5,938 |
| Return on assets (ROA) | 0.1459% | 5,969 |
| Pretax return on assets | 0.1459% | 6,014 |
| Return on Equity (ROE) | 1.5321% | 5,915 |
| Retained earnings to average equity (ytd only) | 1.5321% | 4,995 |
| Net charge-offs to loans | 2.0146% | 131 |
| Credit loss provision to net charge-offs | 14.6119% | 2,566 |
| Earnings coverage of net charge-offs (x) | 0.2511% | 3,387 |
| Efficiency ratio | 90.8333% | 964 |
| Assets per employee ($millions) | 4.9160% | 2,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3882% | 3,664 |
| Loan loss allowance to noncurrent loans | 106.0823% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 2.1860% | 1,514 |
| Noncurrent loans to loans | 1.3086% | 2,842 |
| Net loans and leases to total assets | 65.9119% | 2,579 |
| Net loans and leases to deposits | 101.7316% | 372 |
| Net loans and leases to core deposits | 114.3745% | 455 |
| Total domestic deposits to total assets | 64.7900% | 6,575 |
| Equity capital to assets | 9.4558% | 4,554 |
| Core capital (leverage) ratio | 9.8915% | 3,727 |
| Tier 1 risk-based capital ratio | 14.7339% | 3,868 |
| Total risk-based capital ratio | 15.9851% | 3,818 |
| Memoranda: | ||
| Average total assets | $63,060,000 | 5,642 |
| Average earning assets | $61,475,500 | 5,526 |
| Average equity | $6,005,000 | 5,750 |
| Average total loans | $43,483,500 | 5,188 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1964% | 3,359 |
| Cost of funding earning assets | 0.8082% | 1,174 |
| Net interest margin | 3.3883% | 4,326 |
| Noninterest income to average assets | 0.2313% | 5,691 |
| Noninterest expense to average assets | 3.4415% | 1,787 |
| Loan and lease loss provision to assets | 0.6461% | 373 |
| Net operating income to assets | -0.5767% | 6,515 |
| Return on assets (ROA) | -0.5767% | 6,519 |
| Pretax return on assets | -0.5659% | 6,502 |
| Return on Equity (ROE) | -5.8372% | 6,505 |
| Retained earnings to average equity (ytd only) | -6.6800% | 6,442 |
| Net charge-offs to loans | 1.1176% | 496 |
| Credit loss provision to net charge-offs | 78.4644% | 3,083 |
| Earnings coverage of net charge-offs (x) | 0.0974% | 5,055 |
| Efficiency ratio | 97.7233% | 554 |
| Assets per employee ($millions) | 4.7855% | 2,466 |
| Cash dividends to net income (ytd only)* | -14.4385% | 6,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7627% | 2,178 |
| Loan loss allowance to noncurrent loans | 64.5695% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 3.3161% | 912 |
| Noncurrent loans to loans | 2.7299% | 1,323 |
| Net loans and leases to total assets | 69.8756% | 2,034 |
| Net loans and leases to deposits | 99.5694% | 503 |
| Net loans and leases to core deposits | 114.1391% | 469 |
| Total domestic deposits to total assets | 70.1778% | 6,516 |
| Equity capital to assets | 9.5914% | 4,296 |
| Core capital (leverage) ratio | 9.9869% | 3,595 |
| Tier 1 risk-based capital ratio | 14.2257% | 4,133 |
| Total risk-based capital ratio | 15.4836% | 4,072 |
| Memoranda: | ||
| Average total assets | $64,855,200 | 5,627 |
| Average earning assets | $62,982,200 | 5,506 |
| Average equity | $6,407,200 | 5,712 |
| Average total loans | $47,782,400 | 5,036 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2167% | 3,321 |
| Cost of funding earning assets | 0.8387% | 1,104 |
| Net interest margin | 3.3779% | 4,368 |
| Noninterest income to average assets | 0.6695% | 2,783 |
| Noninterest expense to average assets | 3.3660% | 1,908 |
| Loan and lease loss provision to assets | 0.4396% | 657 |
| Net operating income to assets | 0.1302% | 6,076 |
| Return on assets (ROA) | 0.1302% | 6,143 |
| Pretax return on assets | 0.1425% | 6,153 |
| Return on Equity (ROE) | 1.3093% | 6,119 |
| Retained earnings to average equity (ytd only) | -0.1228% | 5,961 |
| Net charge-offs to loans | 1.4274% | 339 |
| Credit loss provision to net charge-offs | 41.4587% | 3,682 |
| Earnings coverage of net charge-offs (x) | 0.5489% | 4,682 |
| Efficiency ratio | 85.2577% | 1,438 |
| Assets per employee ($millions) | 4.6015% | 2,714 |
| Cash dividends to net income (ytd only)* | 109.3754% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 4,542 |
| Loan loss allowance to noncurrent loans | 23.6000% | 6,169 |
| Noncurrent assets plus other real estate owned to assets | 6.1485% | 380 |
| Noncurrent loans to loans | 5.3790% | 520 |
| Net loans and leases to total assets | 76.7097% | 905 |
| Net loans and leases to deposits | 108.1348% | 186 |
| Net loans and leases to core deposits | 115.0627% | 421 |
| Total domestic deposits to total assets | 70.9390% | 6,549 |
| Equity capital to assets | 10.7558% | 3,006 |
| Core capital (leverage) ratio | 10.2757% | 3,278 |
| Tier 1 risk-based capital ratio | 14.3314% | 4,196 |
| Total risk-based capital ratio | 15.5822% | 4,140 |
| Memoranda: | ||
| Average total assets | $65,516,000 | 5,666 |
| Average earning assets | $63,587,500 | 5,541 |
| Average equity | $6,517,250 | 5,764 |
| Average total loans | $48,665,250 | 5,058 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1700% | 3,473 |
| Cost of funding earning assets | 0.8432% | 1,182 |
| Net interest margin | 3.3268% | 4,464 |
| Noninterest income to average assets | 0.7209% | 2,543 |
| Noninterest expense to average assets | 3.3168% | 2,029 |
| Loan and lease loss provision to assets | 0.2700% | 1,366 |
| Net operating income to assets | 0.3501% | 5,407 |
| Return on assets (ROA) | 0.3501% | 5,584 |
| Pretax return on assets | 0.3649% | 5,718 |
| Return on Equity (ROE) | 3.6058% | 5,382 |
| Retained earnings to average equity (ytd only) | 2.2002% | 4,874 |
| Net charge-offs to loans | 0.4778% | 1,383 |
| Credit loss provision to net charge-offs | 77.1186% | 2,680 |
| Earnings coverage of net charge-offs (x) | 1.8136% | 3,924 |
| Efficiency ratio | 83.9339% | 1,641 |
| Assets per employee ($millions) | 4.8837% | 2,253 |
| Cash dividends to net income (ytd only)* | 38.9831% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8122% | 2,397 |
| Loan loss allowance to noncurrent loans | 26.6585% | 6,126 |
| Noncurrent assets plus other real estate owned to assets | 7.0533% | 337 |
| Noncurrent loans to loans | 6.7979% | 368 |
| Net loans and leases to total assets | 74.0754% | 1,235 |
| Net loans and leases to deposits | 98.1284% | 534 |
| Net loans and leases to core deposits | 103.6497% | 855 |
| Total domestic deposits to total assets | 75.4883% | 6,310 |
| Equity capital to assets | 10.2555% | 3,592 |
| Core capital (leverage) ratio | 10.0238% | 3,474 |
| Tier 1 risk-based capital ratio | 14.2207% | 4,273 |
| Total risk-based capital ratio | 15.4774% | 4,227 |
| Memoranda: | ||
| Average total assets | $67,415,000 | 5,651 |
| Average earning assets | $65,467,670 | 5,511 |
| Average equity | $6,545,000 | 5,795 |
| Average total loans | $49,394,670 | 5,050 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2823% | 2,965 |
| Cost of funding earning assets | 0.8422% | 1,292 |
| Net interest margin | 3.4400% | 3,960 |
| Noninterest income to average assets | 0.5247% | 3,607 |
| Noninterest expense to average assets | 3.2171% | 2,296 |
| Loan and lease loss provision to assets | 0.3113% | 1,095 |
| Net operating income to assets | 0.3171% | 5,507 |
| Return on assets (ROA) | 0.3171% | 5,638 |
| Pretax return on assets | 0.3402% | 5,748 |
| Return on Equity (ROE) | 3.3526% | 5,411 |
| Retained earnings to average equity (ytd only) | 1.9506% | 5,027 |
| Net charge-offs to loans | 0.9413% | 653 |
| Credit loss provision to net charge-offs | 45.7627% | 2,669 |
| Earnings coverage of net charge-offs (x) | 0.9576% | 3,513 |
| Efficiency ratio | 83.1595% | 1,877 |
| Assets per employee ($millions) | 5.2996% | 1,869 |
| Cash dividends to net income (ytd only)* | 41.8182% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6935% | 3,036 |
| Loan loss allowance to noncurrent loans | 36.7212% | 5,741 |
| Noncurrent assets plus other real estate owned to assets | 5.2645% | 668 |
| Noncurrent loans to loans | 4.6117% | 886 |
| Net loans and leases to total assets | 70.0196% | 1,656 |
| Net loans and leases to deposits | 95.0579% | 599 |
| Net loans and leases to core deposits | 100.0871% | 943 |
| Total domestic deposits to total assets | 73.6599% | 6,559 |
| Equity capital to assets | 9.5479% | 4,783 |
| Core capital (leverage) ratio | 9.3607% | 4,301 |
| Tier 1 risk-based capital ratio | 13.7470% | 4,695 |
| Total risk-based capital ratio | 15.0033% | 4,652 |
| Memoranda: | ||
| Average total assets | $69,378,500 | 5,641 |
| Average earning assets | $67,441,000 | 5,510 |
| Average equity | $6,562,000 | 5,848 |
| Average total loans | $50,143,500 | 5,054 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2219% | 4,502 |
| Cost of funding earning assets | 0.8918% | 1,982 |
| Net interest margin | 3.3301% | 5,142 |
| Noninterest income to average assets | 0.3912% | 4,677 |
| Noninterest expense to average assets | 3.0331% | 3,153 |
| Loan and lease loss provision to assets | 0.7558% | 664 |
| Net operating income to assets | -0.1879% | 6,369 |
| Return on assets (ROA) | -0.1879% | 6,436 |
| Pretax return on assets | -0.1879% | 6,415 |
| Return on Equity (ROE) | -2.0085% | 6,454 |
| Retained earnings to average equity (ytd only) | -3.4024% | 6,295 |
| Net charge-offs to loans | 0.3541% | 2,860 |
| Credit loss provision to net charge-offs | 309.7701% | 782 |
| Earnings coverage of net charge-offs (x) | 2.3276% | 4,251 |
| Efficiency ratio | 84.2290% | 1,602 |
| Assets per employee ($millions) | 5.3740% | 1,818 |
| Cash dividends to net income (ytd only)* | -69.4030% | 7,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7475% | 2,766 |
| Loan loss allowance to noncurrent loans | 44.7500% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 4.5948% | 891 |
| Noncurrent loans to loans | 3.9050% | 1,233 |
| Net loans and leases to total assets | 72.0291% | 1,485 |
| Net loans and leases to deposits | 97.5459% | 531 |
| Net loans and leases to core deposits | 108.5300% | 589 |
| Total domestic deposits to total assets | 73.8413% | 6,544 |
| Equity capital to assets | 9.3699% | 5,040 |
| Core capital (leverage) ratio | 9.0681% | 4,787 |
| Tier 1 risk-based capital ratio | 12.9339% | 5,159 |
| Total risk-based capital ratio | 14.1899% | 5,094 |
| Memoranda: | ||
| Average total assets | $71,312,200 | 5,594 |
| Average earning assets | $68,737,200 | 5,471 |
| Average equity | $6,671,800 | 5,856 |
| Average total loans | $49,141,400 | 5,135 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2134% | 4,769 |
| Cost of funding earning assets | 0.8899% | 2,240 |
| Net interest margin | 3.3235% | 5,298 |
| Noninterest income to average assets | 0.3441% | 5,057 |
| Noninterest expense to average assets | 3.0414% | 3,091 |
| Loan and lease loss provision to assets | 0.5822% | 976 |
| Net operating income to assets | -0.0837% | 6,388 |
| Return on assets (ROA) | -0.0837% | 6,484 |
| Pretax return on assets | -0.0837% | 6,469 |
| Return on Equity (ROE) | -0.8951% | 6,495 |
| Retained earnings to average equity (ytd only) | -2.2676% | 6,424 |
| Net charge-offs to loans | 0.1508% | 3,901 |
| Credit loss provision to net charge-offs | 569.0909% | 460 |
| Earnings coverage of net charge-offs (x) | 4.8728% | 3,174 |
| Efficiency ratio | 85.9170% | 1,387 |
| Assets per employee ($millions) | 5.4926% | 1,643 |
| Cash dividends to net income (ytd only)* | -153.3333% | 7,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5594% | 3,695 |
| Loan loss allowance to noncurrent loans | 51.7060% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 4.8611% | 921 |
| Noncurrent loans to loans | 3.0159% | 1,851 |
| Net loans and leases to total assets | 69.6656% | 1,981 |
| Net loans and leases to deposits | 94.4411% | 755 |
| Net loans and leases to core deposits | 104.8213% | 821 |
| Total domestic deposits to total assets | 73.7662% | 6,618 |
| Equity capital to assets | 9.3748% | 5,371 |
| Core capital (leverage) ratio | 9.1746% | 4,802 |
| Tier 1 risk-based capital ratio | 12.9877% | 5,262 |
| Total risk-based capital ratio | 14.2420% | 5,222 |
| Memoranda: | ||
| Average total assets | $71,674,750 | 5,641 |
| Average earning assets | $68,921,000 | 5,532 |
| Average equity | $6,703,250 | 5,911 |
| Average total loans | $48,622,750 | 5,214 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1562% | 5,107 |
| Cost of funding earning assets | 0.8799% | 2,562 |
| Net interest margin | 3.2763% | 5,515 |
| Noninterest income to average assets | 0.3929% | 4,704 |
| Noninterest expense to average assets | 3.1046% | 2,917 |
| Loan and lease loss provision to assets | 0.5211% | 1,203 |
| Net operating income to assets | -0.0780% | 6,408 |
| Return on assets (ROA) | -0.0780% | 6,522 |
| Pretax return on assets | -0.0780% | 6,503 |
| Return on Equity (ROE) | -0.8350% | 6,530 |
| Retained earnings to average equity (ytd only) | -2.2367% | 6,389 |
| Net charge-offs to loans | 0.2292% | 3,198 |
| Credit loss provision to net charge-offs | 340.0000% | 863 |
| Earnings coverage of net charge-offs (x) | 2.8909% | 3,584 |
| Efficiency ratio | 87.5098% | 1,279 |
| Assets per employee ($millions) | 5.5090% | 1,616 |
| Cash dividends to net income (ytd only)* | -167.8571% | 7,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 4,782 |
| Loan loss allowance to noncurrent loans | 35.6105% | 5,890 |
| Noncurrent assets plus other real estate owned to assets | 5.1664% | 907 |
| Noncurrent loans to loans | 3.7164% | 1,522 |
| Net loans and leases to total assets | 68.9208% | 2,114 |
| Net loans and leases to deposits | 94.1750% | 754 |
| Net loans and leases to core deposits | 104.5719% | 822 |
| Total domestic deposits to total assets | 73.1837% | 6,734 |
| Equity capital to assets | 9.3400% | 5,268 |
| Core capital (leverage) ratio | 9.1846% | 4,635 |
| Tier 1 risk-based capital ratio | 13.1030% | 5,114 |
| Total risk-based capital ratio | 14.3551% | 5,094 |
| Memoranda: | ||
| Average total assets | $71,765,000 | 5,673 |
| Average earning assets | $69,102,330 | 5,556 |
| Average equity | $6,706,330 | 5,928 |
| Average total loans | $47,986,330 | 5,267 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0828% | 5,516 |
| Cost of funding earning assets | 0.8732% | 2,885 |
| Net interest margin | 3.2096% | 5,759 |
| Noninterest income to average assets | 0.5902% | 3,296 |
| Noninterest expense to average assets | 3.1515% | 2,755 |
| Loan and lease loss provision to assets | 0.9466% | 450 |
| Net operating income to assets | -0.4176% | 6,782 |
| Return on assets (ROA) | -0.4176% | 6,816 |
| Pretax return on assets | -0.4176% | 6,791 |
| Return on Equity (ROE) | -4.4676% | 6,834 |
| Retained earnings to average equity (ytd only) | -5.4207% | 6,610 |
| Net charge-offs to loans | 0.2555% | 2,645 |
| Credit loss provision to net charge-offs | 566.6667% | 596 |
| Earnings coverage of net charge-offs (x) | 3.1667% | 2,934 |
| Efficiency ratio | 85.6278% | 1,511 |
| Assets per employee ($millions) | 6.1579% | 1,182 |
| Cash dividends to net income (ytd only)* | -21.3333% | 7,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4138% | 4,548 |
| Loan loss allowance to noncurrent loans | 33.2341% | 6,011 |
| Noncurrent assets plus other real estate owned to assets | 5.3887% | 931 |
| Noncurrent loans to loans | 4.2540% | 1,410 |
| Net loans and leases to total assets | 63.2262% | 2,999 |
| Net loans and leases to deposits | 97.5264% | 458 |
| Net loans and leases to core deposits | 103.9053% | 771 |
| Total domestic deposits to total assets | 64.8298% | 7,129 |
| Equity capital to assets | 9.0358% | 5,440 |
| Core capital (leverage) ratio | 9.0684% | 4,733 |
| Tier 1 risk-based capital ratio | 13.5398% | 4,800 |
| Total risk-based capital ratio | 14.7897% | 4,781 |
| Memoranda: | ||
| Average total assets | $71,839,000 | 5,718 |
| Average earning assets | $69,168,500 | 5,594 |
| Average equity | $6,715,000 | 5,958 |
| Average total loans | $46,969,000 | 5,342 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1409% | 6,202 |
| Cost of funding earning assets | 1.1868% | 2,113 |
| Net interest margin | 2.9541% | 6,601 |
| Noninterest income to average assets | -0.1240% | 7,118 |
| Noninterest expense to average assets | 2.9101% | 3,920 |
| Loan and lease loss provision to assets | 0.7864% | 1,263 |
| Net operating income to assets | -0.9880% | 6,738 |
| Return on assets (ROA) | -0.9880% | 6,761 |
| Pretax return on assets | -0.9842% | 6,727 |
| Return on Equity (ROE) | -11.6903% | 6,786 |
| Retained earnings to average equity (ytd only) | -13.1867% | 6,816 |
| Net charge-offs to loans | 2.4518% | 482 |
| Credit loss provision to net charge-offs | 49.1009% | 5,443 |
| Earnings coverage of net charge-offs (x) | -0.1235% | 5,906 |
| Efficiency ratio | 107.2946% | 493 |
| Assets per employee ($millions) | 4.9845% | 2,221 |
| Cash dividends to net income (ytd only)* | -12.8010% | 7,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 5,672 |
| Loan loss allowance to noncurrent loans | 21.7659% | 6,556 |
| Noncurrent assets plus other real estate owned to assets | 5.8668% | 850 |
| Noncurrent loans to loans | 5.2313% | 1,043 |
| Net loans and leases to total assets | 65.9430% | 2,799 |
| Net loans and leases to deposits | 98.9719% | 502 |
| Net loans and leases to core deposits | 105.6429% | 807 |
| Total domestic deposits to total assets | 66.6280% | 7,115 |
| Equity capital to assets | 9.6771% | 4,638 |
| Core capital (leverage) ratio | 8.6575% | 5,311 |
| Tier 1 risk-based capital ratio | 14.1680% | 4,201 |
| Total risk-based capital ratio | 15.2908% | 4,249 |
| Memoranda: | ||
| Average total assets | $79,860,400 | 5,462 |
| Average earning assets | $76,674,000 | 5,323 |
| Average equity | $6,749,200 | 5,942 |
| Average total loans | $52,164,800 | 5,183 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0996% | 6,415 |
| Cost of funding earning assets | 1.2231% | 2,167 |
| Net interest margin | 2.8765% | 6,788 |
| Noninterest income to average assets | -0.4645% | 7,344 |
| Noninterest expense to average assets | 2.7320% | 4,602 |
| Loan and lease loss provision to assets | 0.8400% | 1,096 |
| Net operating income to assets | -1.2818% | 6,983 |
| Return on assets (ROA) | -1.2818% | 7,003 |
| Pretax return on assets | -1.2770% | 6,957 |
| Return on Equity (ROE) | -15.6481% | 7,028 |
| Retained earnings to average equity (ytd only) | -17.3077% | 7,037 |
| Net charge-offs to loans | 1.2992% | 1,188 |
| Credit loss provision to net charge-offs | 99.4253% | 3,440 |
| Earnings coverage of net charge-offs (x) | -0.5172% | 5,835 |
| Efficiency ratio | 119.0409% | 316 |
| Assets per employee ($millions) | 6.3856% | 997 |
| Cash dividends to net income (ytd only)* | -10.6064% | 7,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2868% | 1,714 |
| Loan loss allowance to noncurrent loans | 39.2536% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 6.0509% | 881 |
| Noncurrent loans to loans | 5.8256% | 979 |
| Net loans and leases to total assets | 60.6363% | 4,020 |
| Net loans and leases to deposits | 99.0944% | 509 |
| Net loans and leases to core deposits | 105.1646% | 908 |
| Total domestic deposits to total assets | 61.1904% | 7,286 |
| Equity capital to assets | 8.1108% | 6,631 |
| Core capital (leverage) ratio | 8.1818% | 6,157 |
| Tier 1 risk-based capital ratio | 12.8810% | 5,185 |
| Total risk-based capital ratio | 14.1426% | 5,154 |
| Memoranda: | ||
| Average total assets | $82,379,750 | 5,426 |
| Average earning assets | $79,029,500 | 5,300 |
| Average equity | $6,748,250 | 5,985 |
| Average total loans | $53,569,250 | 5,179 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1612% | 6,365 |
| Cost of funding earning assets | 1.2913% | 1,998 |
| Net interest margin | 2.8699% | 6,841 |
| Noninterest income to average assets | 0.4771% | 4,050 |
| Noninterest expense to average assets | 2.7334% | 4,688 |
| Loan and lease loss provision to assets | 0.5696% | 1,701 |
| Net operating income to assets | -0.0828% | 6,328 |
| Return on assets (ROA) | -0.0828% | 6,385 |
| Pretax return on assets | -0.0779% | 6,340 |
| Return on Equity (ROE) | -1.0069% | 6,403 |
| Retained earnings to average equity (ytd only) | -2.7838% | 6,350 |
| Net charge-offs to loans | 1.6552% | 880 |
| Credit loss provision to net charge-offs | 52.1158% | 4,531 |
| Earnings coverage of net charge-offs (x) | 0.4499% | 4,963 |
| Efficiency ratio | 84.7547% | 1,733 |
| Assets per employee ($millions) | 6.5559% | 907 |
| Cash dividends to net income (ytd only)* | -176.4706% | 7,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8324% | 2,883 |
| Loan loss allowance to noncurrent loans | 29.9349% | 6,262 |
| Noncurrent assets plus other real estate owned to assets | 6.7502% | 774 |
| Noncurrent loans to loans | 6.1212% | 960 |
| Net loans and leases to total assets | 60.7225% | 4,140 |
| Net loans and leases to deposits | 96.5847% | 680 |
| Net loans and leases to core deposits | 106.3128% | 909 |
| Total domestic deposits to total assets | 62.8697% | 7,331 |
| Equity capital to assets | 8.7871% | 5,835 |
| Core capital (leverage) ratio | 8.7443% | 5,150 |
| Tier 1 risk-based capital ratio | 13.6814% | 4,394 |
| Total risk-based capital ratio | 14.9384% | 4,363 |
| Memoranda: | ||
| Average total assets | $82,168,670 | 5,485 |
| Average earning assets | $78,679,670 | 5,357 |
| Average equity | $6,753,330 | 6,004 |
| Average total loans | $54,254,330 | 5,198 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1682% | 6,357 |
| Cost of funding earning assets | 1.3116% | 2,117 |
| Net interest margin | 2.8565% | 6,822 |
| Noninterest income to average assets | 0.3522% | 5,081 |
| Noninterest expense to average assets | 2.7084% | 4,806 |
| Loan and lease loss provision to assets | 0.2927% | 2,816 |
| Net operating income to assets | 0.0744% | 6,163 |
| Return on assets (ROA) | 0.0744% | 6,218 |
| Pretax return on assets | 0.0843% | 6,208 |
| Return on Equity (ROE) | 0.9396% | 6,154 |
| Retained earnings to average equity (ytd only) | -1.0023% | 5,989 |
| Net charge-offs to loans | 3.2641% | 318 |
| Credit loss provision to net charge-offs | 13.1403% | 4,356 |
| Earnings coverage of net charge-offs (x) | 0.1693% | 4,478 |
| Efficiency ratio | 87.7814% | 1,542 |
| Assets per employee ($millions) | 5.9811% | 1,204 |
| Cash dividends to net income (ytd only)* | 206.6667% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4587% | 4,398 |
| Loan loss allowance to noncurrent loans | 24.2489% | 6,591 |
| Noncurrent assets plus other real estate owned to assets | 6.9421% | 774 |
| Noncurrent loans to loans | 6.0157% | 1,050 |
| Net loans and leases to total assets | 63.8132% | 3,468 |
| Net loans and leases to deposits | 99.5955% | 493 |
| Net loans and leases to core deposits | 116.0953% | 529 |
| Total domestic deposits to total assets | 64.0724% | 7,369 |
| Equity capital to assets | 7.6252% | 6,799 |
| Core capital (leverage) ratio | 8.1869% | 5,986 |
| Tier 1 risk-based capital ratio | 10.8675% | 6,596 |
| Total risk-based capital ratio | 12.1200% | 6,573 |
| Memoranda: | ||
| Average total assets | $80,639,500 | 5,574 |
| Average earning assets | $77,156,500 | 5,441 |
| Average equity | $6,385,500 | 6,132 |
| Average total loans | $55,022,500 | 5,212 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4180% | 6,584 |
| Cost of funding earning assets | 1.3973% | 3,288 |
| Net interest margin | 3.0207% | 6,697 |
| Noninterest income to average assets | 0.5191% | 4,030 |
| Noninterest expense to average assets | 2.7014% | 4,982 |
| Loan and lease loss provision to assets | 1.2915% | 1,195 |
| Net operating income to assets | -0.5390% | 6,413 |
| Return on assets (ROA) | -0.5390% | 6,442 |
| Pretax return on assets | -0.5390% | 6,349 |
| Return on Equity (ROE) | -6.5320% | 6,529 |
| Retained earnings to average equity (ytd only) | -6.8798% | 6,454 |
| Net charge-offs to loans | 2.6232% | 696 |
| Credit loss provision to net charge-offs | 66.9037% | 5,935 |
| Earnings coverage of net charge-offs (x) | 0.3898% | 5,717 |
| Efficiency ratio | 78.2153% | 2,671 |
| Assets per employee ($millions) | 5.5389% | 1,543 |
| Cash dividends to net income (ytd only)* | -5.3241% | 7,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1157% | 2,033 |
| Loan loss allowance to noncurrent loans | 31.2599% | 6,214 |
| Noncurrent assets plus other real estate owned to assets | 7.7053% | 662 |
| Noncurrent loans to loans | 6.7682% | 852 |
| Net loans and leases to total assets | 70.4619% | 2,416 |
| Net loans and leases to deposits | 108.4753% | 263 |
| Net loans and leases to core deposits | 149.5525% | 179 |
| Total domestic deposits to total assets | 64.9567% | 7,418 |
| Equity capital to assets | 8.2353% | 6,225 |
| Core capital (leverage) ratio | 8.1771% | 5,863 |
| Tier 1 risk-based capital ratio | 10.7310% | 6,542 |
| Total risk-based capital ratio | 11.9896% | 6,509 |
| Memoranda: | ||
| Average total assets | $80,142,400 | 5,590 |
| Average earning assets | $77,863,800 | 5,413 |
| Average equity | $6,613,600 | 6,164 |
| Average total loans | $58,974,600 | 5,112 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3724% | 6,858 |
| Cost of funding earning assets | 1.3965% | 3,606 |
| Net interest margin | 2.9759% | 6,876 |
| Noninterest income to average assets | 0.1683% | 6,669 |
| Noninterest expense to average assets | 2.2411% | 6,491 |
| Loan and lease loss provision to assets | 1.3433% | 1,020 |
| Net operating income to assets | -0.5149% | 6,601 |
| Return on assets (ROA) | -0.5149% | 6,651 |
| Pretax return on assets | -0.5149% | 6,566 |
| Return on Equity (ROE) | -6.2363% | 6,737 |
| Retained earnings to average equity (ytd only) | -6.2363% | 6,657 |
| Net charge-offs to loans | 2.3514% | 745 |
| Credit loss provision to net charge-offs | 77.2296% | 5,219 |
| Earnings coverage of net charge-offs (x) | 0.4763% | 5,549 |
| Efficiency ratio | 73.0108% | 3,523 |
| Assets per employee ($millions) | 5.9835% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5070% | 1,315 |
| Loan loss allowance to noncurrent loans | 34.1641% | 6,052 |
| Noncurrent assets plus other real estate owned to assets | 7.4409% | 708 |
| Noncurrent loans to loans | 7.3382% | 740 |
| Net loans and leases to total assets | 72.6403% | 2,090 |
| Net loans and leases to deposits | 109.7463% | 263 |
| Net loans and leases to core deposits | 166.2029% | 133 |
| Total domestic deposits to total assets | 66.1893% | 7,463 |
| Equity capital to assets | 8.3820% | 6,417 |
| Core capital (leverage) ratio | 8.1291% | 6,151 |
| Tier 1 risk-based capital ratio | 10.5706% | 6,731 |
| Total risk-based capital ratio | 11.8343% | 6,702 |
| Memoranda: | ||
| Average total assets | $80,792,000 | 5,641 |
| Average earning assets | $78,765,250 | 5,449 |
| Average equity | $6,670,500 | 6,215 |
| Average total loans | $59,763,250 | 5,157 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2762% | 7,086 |
| Cost of funding earning assets | 1.3896% | 3,941 |
| Net interest margin | 2.8866% | 7,023 |
| Noninterest income to average assets | 0.1785% | 6,631 |
| Noninterest expense to average assets | 2.2031% | 6,645 |
| Loan and lease loss provision to assets | 1.6529% | 779 |
| Net operating income to assets | -0.8485% | 6,883 |
| Return on assets (ROA) | -0.8485% | 6,897 |
| Pretax return on assets | -0.8485% | 6,815 |
| Return on Equity (ROE) | -10.3264% | 6,977 |
| Retained earnings to average equity (ytd only) | -10.3264% | 6,928 |
| Net charge-offs to loans | 3.5418% | 413 |
| Credit loss provision to net charge-offs | 63.2367% | 5,133 |
| Earnings coverage of net charge-offs (x) | 0.3078% | 5,418 |
| Efficiency ratio | 73.2520% | 3,610 |
| Assets per employee ($millions) | 6.3927% | 1,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2271% | 1,710 |
| Loan loss allowance to noncurrent loans | 28.8184% | 6,443 |
| Noncurrent assets plus other real estate owned to assets | 7.2751% | 711 |
| Noncurrent loans to loans | 7.7280% | 685 |
| Net loans and leases to total assets | 68.6746% | 3,202 |
| Net loans and leases to deposits | 110.3587% | 263 |
| Net loans and leases to core deposits | 175.5143% | 124 |
| Total domestic deposits to total assets | 62.2285% | 7,623 |
| Equity capital to assets | 7.8106% | 6,916 |
| Core capital (leverage) ratio | 6.9801% | 7,204 |
| Tier 1 risk-based capital ratio | 10.4034% | 6,758 |
| Total risk-based capital ratio | 11.6638% | 6,738 |
| Memoranda: | ||
| Average total assets | $81,794,000 | 5,636 |
| Average earning assets | $80,164,330 | 5,435 |
| Average equity | $6,720,670 | 6,230 |
| Average total loans | $60,365,330 | 5,161 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4994% | 6,792 |
| Cost of funding earning assets | 1.3748% | 4,331 |
| Net interest margin | 3.1246% | 6,533 |
| Noninterest income to average assets | 0.1725% | 6,737 |
| Noninterest expense to average assets | 2.3515% | 6,244 |
| Loan and lease loss provision to assets | 0.9416% | 1,337 |
| Net operating income to assets | -0.0394% | 6,359 |
| Return on assets (ROA) | -0.0394% | 6,443 |
| Pretax return on assets | -0.0394% | 6,402 |
| Return on Equity (ROE) | -0.4681% | 6,463 |
| Retained earnings to average equity (ytd only) | -0.4681% | 5,939 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2727% | 3,879 |
| Assets per employee ($millions) | 6.0863% | 1,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0987% | 759 |
| Loan loss allowance to noncurrent loans | 48.1103% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 4.9493% | 1,311 |
| Noncurrent loans to loans | 6.4408% | 971 |
| Net loans and leases to total assets | 74.4622% | 1,871 |
| Net loans and leases to deposits | 109.9200% | 291 |
| Net loans and leases to core deposits | 213.8434% | 91 |
| Total domestic deposits to total assets | 67.7422% | 7,542 |
| Equity capital to assets | 8.6335% | 5,828 |
| Core capital (leverage) ratio | 8.3298% | 5,690 |
| Tier 1 risk-based capital ratio | 10.7295% | 6,407 |
| Total risk-based capital ratio | 12.0014% | 6,373 |
| Memoranda: | ||
| Average total assets | $81,138,500 | 5,735 |
| Average earning assets | $80,010,500 | 5,505 |
| Average equity | $6,835,500 | 6,245 |
| Average total loans | $61,362,000 | 5,197 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4960% | 7,387 |
| Cost of funding earning assets | 1.6313% | 4,883 |
| Net interest margin | 2.8647% | 6,932 |
| Noninterest income to average assets | 0.2039% | 6,652 |
| Noninterest expense to average assets | 2.1123% | 7,160 |
| Loan and lease loss provision to assets | 1.1803% | 1,953 |
| Net operating income to assets | -0.2562% | 5,908 |
| Return on assets (ROA) | -0.2562% | 5,908 |
| Pretax return on assets | -0.2562% | 5,778 |
| Return on Equity (ROE) | -2.9435% | 5,977 |
| Retained earnings to average equity (ytd only) | -3.4691% | 5,783 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5652% | 4,722 |
| Assets per employee ($millions) | 6.3965% | 1,028 |
| Cash dividends to net income (ytd only)* | -17.8571% | 7,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7340% | 988 |
| Loan loss allowance to noncurrent loans | 55.4900% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 3.6691% | 1,816 |
| Noncurrent loans to loans | 4.9270% | 1,382 |
| Net loans and leases to total assets | 72.4322% | 2,651 |
| Net loans and leases to deposits | 120.7373% | 170 |
| Net loans and leases to core deposits | 382.5405% | 24 |
| Total domestic deposits to total assets | 59.9916% | 7,802 |
| Equity capital to assets | 8.2256% | 6,311 |
| Core capital (leverage) ratio | 7.4975% | 6,791 |
| Tier 1 risk-based capital ratio | 10.3506% | 6,539 |
| Total risk-based capital ratio | 11.6184% | 6,493 |
| Memoranda: | ||
| Average total assets | $76,504,400 | 5,825 |
| Average earning assets | $75,645,400 | 5,615 |
| Average equity | $6,658,800 | 6,377 |
| Average total loans | $57,325,800 | 5,369 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4404% | 7,571 |
| Cost of funding earning assets | 1.7268% | 4,763 |
| Net interest margin | 2.7136% | 7,194 |
| Noninterest income to average assets | 0.1924% | 6,840 |
| Noninterest expense to average assets | 2.1752% | 7,035 |
| Loan and lease loss provision to assets | 1.1099% | 1,760 |
| Net operating income to assets | -0.4080% | 6,328 |
| Return on assets (ROA) | -0.4080% | 6,331 |
| Pretax return on assets | -0.4080% | 6,206 |
| Return on Equity (ROE) | -4.6168% | 6,410 |
| Retained earnings to average equity (ytd only) | -5.5037% | 6,315 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6037% | 3,573 |
| Assets per employee ($millions) | 7.3339% | 684 |
| Cash dividends to net income (ytd only)* | -19.2153% | 7,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2810% | 1,317 |
| Loan loss allowance to noncurrent loans | 80.7890% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.9873% | 3,361 |
| Noncurrent loans to loans | 2.8234% | 2,684 |
| Net loans and leases to total assets | 68.7832% | 3,776 |
| Net loans and leases to deposits | 114.4050% | 312 |
| Net loans and leases to core deposits | 385.5423% | 28 |
| Total domestic deposits to total assets | 60.1225% | 7,873 |
| Equity capital to assets | 7.7596% | 7,080 |
| Core capital (leverage) ratio | 8.3661% | 5,721 |
| Tier 1 risk-based capital ratio | 10.3625% | 6,612 |
| Total risk-based capital ratio | 11.6239% | 6,540 |
| Memoranda: | ||
| Average total assets | $74,841,750 | 5,913 |
| Average earning assets | $74,045,500 | 5,716 |
| Average equity | $6,613,500 | 6,446 |
| Average total loans | $56,176,250 | 5,455 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3612% | 7,745 |
| Cost of funding earning assets | 1.8346% | 4,584 |
| Net interest margin | 2.5265% | 7,453 |
| Noninterest income to average assets | 0.3066% | 6,061 |
| Noninterest expense to average assets | 2.2199% | 7,007 |
| Loan and lease loss provision to assets | 0.6217% | 2,566 |
| Net operating income to assets | -0.0369% | 5,906 |
| Return on assets (ROA) | -0.0369% | 5,971 |
| Pretax return on assets | -0.0369% | 5,919 |
| Return on Equity (ROE) | -0.3975% | 5,982 |
| Retained earnings to average equity (ytd only) | -1.2229% | 5,544 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1498% | 3,169 |
| Assets per employee ($millions) | 5.3636% | 1,703 |
| Cash dividends to net income (ytd only)* | -207.6923% | 8,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8141% | 2,006 |
| Loan loss allowance to noncurrent loans | 47.3931% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 3.3078% | 1,883 |
| Noncurrent loans to loans | 3.8278% | 1,783 |
| Net loans and leases to total assets | 84.8469% | 526 |
| Net loans and leases to deposits | 144.7735% | 70 |
| Net loans and leases to core deposits | 325.1757% | 35 |
| Total domestic deposits to total assets | 58.6067% | 7,969 |
| Equity capital to assets | 10.9535% | 2,960 |
| Core capital (leverage) ratio | 9.5407% | 3,826 |
| Tier 1 risk-based capital ratio | 11.6136% | 5,273 |
| Total risk-based capital ratio | 12.8682% | 5,204 |
| Memoranda: | ||
| Average total assets | $70,453,330 | 6,067 |
| Average earning assets | $69,660,330 | 5,898 |
| Average equity | $6,541,670 | 6,520 |
| Average total loans | $54,252,670 | 5,590 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2255% | 7,896 |
| Cost of funding earning assets | 1.8487% | 4,884 |
| Net interest margin | 2.3768% | 7,644 |
| Noninterest income to average assets | 0.2993% | 6,042 |
| Noninterest expense to average assets | 2.0300% | 7,281 |
| Loan and lease loss provision to assets | 0.0218% | 6,625 |
| Net operating income to assets | 0.5987% | 4,016 |
| Return on assets (ROA) | 0.5987% | 4,212 |
| Pretax return on assets | 0.5987% | 4,752 |
| Return on Equity (ROE) | 6.9980% | 3,599 |
| Retained earnings to average equity (ytd only) | 6.9344% | 2,234 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5914% | 3,390 |
| Assets per employee ($millions) | 6.5777% | 929 |
| Cash dividends to net income (ytd only)* | 0.9091% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 3,084 |
| Loan loss allowance to noncurrent loans | 41.5489% | 5,773 |
| Noncurrent assets plus other real estate owned to assets | 2.4211% | 2,372 |
| Noncurrent loans to loans | 3.5635% | 1,770 |
| Net loans and leases to total assets | 66.9348% | 4,357 |
| Net loans and leases to deposits | 137.6325% | 99 |
| Net loans and leases to core deposits | 269.0756% | 51 |
| Total domestic deposits to total assets | 48.6330% | 8,108 |
| Equity capital to assets | 9.1015% | 5,226 |
| Core capital (leverage) ratio | 9.8303% | 3,599 |
| Tier 1 risk-based capital ratio | 12.0561% | 4,917 |
| Total risk-based capital ratio | 13.3064% | 4,809 |
| Memoranda: | ||
| Average total assets | $73,498,500 | 6,016 |
| Average earning assets | $72,701,500 | 5,820 |
| Average equity | $6,287,500 | 6,661 |
| Average total loans | $53,569,500 | 5,653 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7558% | 6,575 |
| Cost of funding earning assets | 3.3072% | 903 |
| Net interest margin | 2.4486% | 7,808 |
| Noninterest income to average assets | 0.2216% | 6,856 |
| Noninterest expense to average assets | 2.3945% | 6,412 |
| Loan and lease loss provision to assets | 0.5766% | 2,517 |
| Net operating income to assets | -0.3673% | 6,789 |
| Return on assets (ROA) | -0.3673% | 6,663 |
| Pretax return on assets | -0.3673% | 6,516 |
| Return on Equity (ROE) | -4.3169% | 6,788 |
| Retained earnings to average equity (ytd only) | -4.3169% | 6,382 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9643% | 1,382 |
| Assets per employee ($millions) | 5.6721% | 1,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4763% | 2,801 |
| Loan loss allowance to noncurrent loans | 84.4017% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 1.3752% | 3,441 |
| Noncurrent loans to loans | 1.7491% | 3,144 |
| Net loans and leases to total assets | 77.4583% | 2,275 |
| Net loans and leases to deposits | 136.7662% | 131 |
| Net loans and leases to core deposits | 220.6311% | 109 |
| Total domestic deposits to total assets | 56.6356% | 8,046 |
| Equity capital to assets | 7.9204% | 6,941 |
| Core capital (leverage) ratio | 7.9123% | 6,637 |
| Tier 1 risk-based capital ratio | 8.9411% | 7,821 |
| Total risk-based capital ratio | 10.1915% | 7,835 |
| Memoranda: | ||
| Average total assets | $64,521,600 | 6,208 |
| Average earning assets | $62,771,200 | 6,064 |
| Average equity | $5,490,000 | 6,980 |
| Average total loans | $49,390,800 | 5,729 |