Home > Metro Phoenix Bank > Performance and Condition Ratios
Metro Phoenix Bank, Performance and Condition Ratios
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0565% | 846 |
| Cost of funding earning assets | 0.3079% | 1,653 |
| Net interest margin | 3.7486% | 839 |
| Noninterest income to average assets | 0.7141% | 1,282 |
| Noninterest expense to average assets | 3.3451% | 512 |
| Loan and lease loss provision to assets | 0.0499% | 1,686 |
| Net operating income to assets | 0.6705% | 3,414 |
| Return on assets (ROA) | 0.6705% | 3,362 |
| Pretax return on assets | 0.9031% | 3,054 |
| Return on Equity (ROE) | 6.3486% | 3,487 |
| Retained earnings to average equity (ytd only) | 6.3486% | 2,222 |
| Net charge-offs to loans | 0.0714% | 736 |
| Credit loss provision to net charge-offs | 103.9604% | 1,253 |
| Earnings coverage of net charge-offs (x) | 19.8713% | 1,556 |
| Efficiency ratio | 77.8281% | 1,095 |
| Assets per employee ($millions) | 13.3010% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 1,910 |
| Loan loss allowance to noncurrent loans | 1,825.6039% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 3,472 |
| Noncurrent loans to loans | 0.0747% | 3,427 |
| Net loans and leases to total assets | 68.4635% | 1,440 |
| Net loans and leases to deposits | 77.0572% | 1,601 |
| Net loans and leases to core deposits | 80.1844% | 1,704 |
| Total domestic deposits to total assets | 88.8477% | 2,246 |
| Equity capital to assets | 10.9839% | 1,217 |
| Core capital (leverage) ratio | 10.0378% | 2,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $421,207,333 | 1,972 |
| Average earning assets | $402,711,000 | 1,935 |
| Average equity | $44,482,333 | 1,847 |
| Average total loans | $282,948,333 | 1,788 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7771% | 1,132 |
| Cost of funding earning assets | 0.2928% | 1,725 |
| Net interest margin | 3.4843% | 1,120 |
| Noninterest income to average assets | 0.9225% | 806 |
| Noninterest expense to average assets | 1.8728% | 3,748 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7618% | 356 |
| Return on assets (ROA) | 1.7618% | 360 |
| Pretax return on assets | 2.3752% | 211 |
| Return on Equity (ROE) | 16.9966% | 424 |
| Retained earnings to average equity (ytd only) | 16.9966% | 179 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0863% | 4,550 |
| Assets per employee ($millions) | 11.9152% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 2,113 |
| Loan loss allowance to noncurrent loans | 3,665.0485% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 3,817 |
| Noncurrent loans to loans | 0.0368% | 3,718 |
| Net loans and leases to total assets | 60.9095% | 1,968 |
| Net loans and leases to deposits | 68.5447% | 2,096 |
| Net loans and leases to core deposits | 71.1708% | 2,183 |
| Total domestic deposits to total assets | 88.8610% | 2,140 |
| Equity capital to assets | 10.2121% | 1,753 |
| Core capital (leverage) ratio | 10.3282% | 1,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $432,296,000 | 1,939 |
| Average earning assets | $412,588,000 | 1,909 |
| Average equity | $44,809,000 | 1,896 |
| Average total loans | $285,938,000 | 1,764 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4305% | 678 |
| Cost of funding earning assets | 0.3229% | 2,173 |
| Net interest margin | 4.1076% | 586 |
| Noninterest income to average assets | 0.8306% | 1,377 |
| Noninterest expense to average assets | 2.1172% | 3,346 |
| Loan and lease loss provision to assets | 0.0651% | 1,759 |
| Net operating income to assets | 1.8660% | 443 |
| Return on assets (ROA) | 1.8660% | 470 |
| Pretax return on assets | 2.4563% | 273 |
| Return on Equity (ROE) | 17.6462% | 501 |
| Retained earnings to average equity (ytd only) | 11.4286% | 629 |
| Net charge-offs to loans | -0.0175% | 3,933 |
| Credit loss provision to net charge-offs | -500.0000% | 3,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6428% | 4,516 |
| Assets per employee ($millions) | 9.3594% | 824 |
| Cash dividends to net income (ytd only)* | 35.2350% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 2,402 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 70.0659% | 1,036 |
| Net loans and leases to deposits | 79.1365% | 1,288 |
| Net loans and leases to core deposits | 82.3716% | 1,436 |
| Total domestic deposits to total assets | 88.5381% | 1,772 |
| Equity capital to assets | 10.5339% | 2,142 |
| Core capital (leverage) ratio | 10.3174% | 2,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $384,190,600 | 2,046 |
| Average earning assets | $356,170,400 | 2,058 |
| Average equity | $40,626,200 | 2,063 |
| Average total loans | $285,827,200 | 1,762 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4417% | 755 |
| Cost of funding earning assets | 0.3288% | 2,312 |
| Net interest margin | 4.1129% | 638 |
| Noninterest income to average assets | 0.8294% | 1,441 |
| Noninterest expense to average assets | 2.1055% | 3,344 |
| Loan and lease loss provision to assets | 0.0883% | 1,351 |
| Net operating income to assets | 1.8440% | 614 |
| Return on assets (ROA) | 1.8440% | 643 |
| Pretax return on assets | 2.4151% | 383 |
| Return on Equity (ROE) | 17.4200% | 703 |
| Retained earnings to average equity (ytd only) | 8.9871% | 1,701 |
| Net charge-offs to loans | -0.0141% | 3,820 |
| Credit loss provision to net charge-offs | -833.3333% | 3,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6832% | 4,519 |
| Assets per employee ($millions) | 8.5710% | 1,026 |
| Cash dividends to net income (ytd only)* | 48.4094% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 2,338 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 67.7437% | 1,348 |
| Net loans and leases to deposits | 76.0717% | 1,663 |
| Net loans and leases to core deposits | 78.8114% | 1,832 |
| Total domestic deposits to total assets | 89.0525% | 1,247 |
| Equity capital to assets | 10.0557% | 2,845 |
| Core capital (leverage) ratio | 9.9523% | 2,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $377,284,500 | 2,100 |
| Average earning assets | $346,704,500 | 2,119 |
| Average equity | $39,937,750 | 2,110 |
| Average total loans | $284,204,750 | 1,804 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5233% | 702 |
| Cost of funding earning assets | 0.3283% | 2,512 |
| Net interest margin | 4.1950% | 589 |
| Noninterest income to average assets | 0.7029% | 1,797 |
| Noninterest expense to average assets | 1.9420% | 3,860 |
| Loan and lease loss provision to assets | 0.1366% | 893 |
| Net operating income to assets | 1.7988% | 720 |
| Return on assets (ROA) | 1.7988% | 754 |
| Pretax return on assets | 2.4307% | 395 |
| Return on Equity (ROE) | 16.6800% | 828 |
| Retained earnings to average equity (ytd only) | 3.8773% | 3,558 |
| Net charge-offs to loans | -0.0351% | 4,219 |
| Credit loss provision to net charge-offs | -500.0000% | 3,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0667% | 4,657 |
| Assets per employee ($millions) | 8.4134% | 1,034 |
| Cash dividends to net income (ytd only)* | 76.7548% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 2,402 |
| Loan loss allowance to noncurrent loans | 18,875.0000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 4,287 |
| Noncurrent loans to loans | 0.0069% | 4,211 |
| Net loans and leases to total assets | 72.1334% | 950 |
| Net loans and leases to deposits | 81.0738% | 1,322 |
| Net loans and leases to core deposits | 83.7494% | 1,585 |
| Total domestic deposits to total assets | 88.9725% | 1,297 |
| Equity capital to assets | 9.9752% | 2,872 |
| Core capital (leverage) ratio | 10.0679% | 2,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $365,910,000 | 2,132 |
| Average earning assets | $332,015,000 | 2,183 |
| Average equity | $39,460,333 | 2,116 |
| Average total loans | $284,787,000 | 1,806 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5996% | 661 |
| Cost of funding earning assets | 0.3337% | 2,674 |
| Net interest margin | 4.2659% | 548 |
| Noninterest income to average assets | 0.7814% | 1,630 |
| Noninterest expense to average assets | 1.9126% | 3,962 |
| Loan and lease loss provision to assets | 0.2848% | 341 |
| Net operating income to assets | 1.8078% | 778 |
| Return on assets (ROA) | 1.8078% | 832 |
| Pretax return on assets | 2.4434% | 482 |
| Return on Equity (ROE) | 16.0839% | 996 |
| Retained earnings to average equity (ytd only) | 16.0839% | 509 |
| Net charge-offs to loans | 0.0028% | 1,820 |
| Credit loss provision to net charge-offs | 12,500.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 1,197.5000% | 73 |
| Efficiency ratio | 41.2126% | 4,702 |
| Assets per employee ($millions) | 8.1802% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 2,437 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 75.1042% | 706 |
| Net loans and leases to deposits | 85.0148% | 1,047 |
| Net loans and leases to core deposits | 87.7030% | 1,392 |
| Total domestic deposits to total assets | 88.3424% | 1,685 |
| Equity capital to assets | 10.7030% | 2,078 |
| Core capital (leverage) ratio | 11.6289% | 1,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $351,150,000 | 2,184 |
| Average earning assets | $317,681,000 | 2,234 |
| Average equity | $39,468,000 | 2,108 |
| Average total loans | $282,674,500 | 1,819 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1372% | 376 |
| Cost of funding earning assets | 0.4764% | 3,108 |
| Net interest margin | 4.6608% | 234 |
| Noninterest income to average assets | 0.5950% | 2,231 |
| Noninterest expense to average assets | 2.2785% | 3,469 |
| Loan and lease loss provision to assets | 0.5391% | 419 |
| Net operating income to assets | 1.6977% | 498 |
| Return on assets (ROA) | 1.6977% | 539 |
| Pretax return on assets | 2.2304% | 285 |
| Return on Equity (ROE) | 14.0254% | 806 |
| Retained earnings to average equity (ytd only) | 14.0254% | 190 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1378% | 4,750 |
| Assets per employee ($millions) | 7.7622% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 2,714 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 84.5193% | 151 |
| Net loans and leases to deposits | 97.7703% | 468 |
| Net loans and leases to core deposits | 101.7173% | 825 |
| Total domestic deposits to total assets | 86.4468% | 2,171 |
| Equity capital to assets | 11.8591% | 1,643 |
| Core capital (leverage) ratio | 11.8386% | 1,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $296,811,800 | 2,304 |
| Average earning assets | $283,580,200 | 2,267 |
| Average equity | $35,927,800 | 2,182 |
| Average total loans | $227,963,400 | 2,046 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2474% | 377 |
| Cost of funding earning assets | 0.5142% | 3,142 |
| Net interest margin | 4.7332% | 237 |
| Noninterest income to average assets | 0.6692% | 1,911 |
| Noninterest expense to average assets | 2.3252% | 3,358 |
| Loan and lease loss provision to assets | 0.6217% | 395 |
| Net operating income to assets | 1.7298% | 541 |
| Return on assets (ROA) | 1.7298% | 602 |
| Pretax return on assets | 2.2755% | 293 |
| Return on Equity (ROE) | 14.2091% | 837 |
| Retained earnings to average equity (ytd only) | 14.2091% | 243 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5238% | 4,771 |
| Assets per employee ($millions) | 8.3017% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2590% | 2,354 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 78.1213% | 817 |
| Net loans and leases to deposits | 90.1198% | 1,249 |
| Net loans and leases to core deposits | 92.6002% | 1,747 |
| Total domestic deposits to total assets | 86.6861% | 1,780 |
| Equity capital to assets | 11.5450% | 1,973 |
| Core capital (leverage) ratio | 11.4361% | 1,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $289,511,750 | 2,329 |
| Average earning assets | $278,506,500 | 2,282 |
| Average equity | $35,244,250 | 2,208 |
| Average total loans | $215,199,750 | 2,138 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5942% | 280 |
| Cost of funding earning assets | 0.5747% | 3,109 |
| Net interest margin | 5.0195% | 198 |
| Noninterest income to average assets | 0.4481% | 2,814 |
| Noninterest expense to average assets | 2.3891% | 3,286 |
| Loan and lease loss provision to assets | 0.8271% | 289 |
| Net operating income to assets | 1.5355% | 870 |
| Return on assets (ROA) | 1.5355% | 944 |
| Pretax return on assets | 2.0748% | 473 |
| Return on Equity (ROE) | 12.3651% | 1,246 |
| Retained earnings to average equity (ytd only) | 12.3651% | 415 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1543% | 4,767 |
| Assets per employee ($millions) | 8.3032% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2376% | 2,319 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 74.5473% | 1,336 |
| Net loans and leases to deposits | 85.4200% | 1,832 |
| Net loans and leases to core deposits | 87.7631% | 2,269 |
| Total domestic deposits to total assets | 87.2715% | 1,515 |
| Equity capital to assets | 11.0421% | 2,305 |
| Core capital (leverage) ratio | 11.6469% | 1,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $278,093,333 | 2,365 |
| Average earning assets | $268,313,667 | 2,310 |
| Average equity | $34,532,667 | 2,233 |
| Average total loans | $201,547,667 | 2,208 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1877% | 676 |
| Cost of funding earning assets | 0.7353% | 2,754 |
| Net interest margin | 4.4524% | 560 |
| Noninterest income to average assets | 0.4984% | 2,557 |
| Noninterest expense to average assets | 2.5687% | 3,079 |
| Loan and lease loss provision to assets | 0.7053% | 375 |
| Net operating income to assets | 1.1488% | 1,690 |
| Return on assets (ROA) | 1.1488% | 1,798 |
| Pretax return on assets | 1.5516% | 1,174 |
| Return on Equity (ROE) | 8.6437% | 2,263 |
| Retained earnings to average equity (ytd only) | 8.6437% | 1,072 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2316% | 4,453 |
| Assets per employee ($millions) | 6.8495% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 2,584 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 70.7573% | 2,124 |
| Net loans and leases to deposits | 82.9678% | 2,334 |
| Net loans and leases to core deposits | 85.7000% | 2,705 |
| Total domestic deposits to total assets | 85.2828% | 2,298 |
| Equity capital to assets | 12.8604% | 1,517 |
| Core capital (leverage) ratio | 13.0729% | 1,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $255,228,000 | 2,463 |
| Average earning assets | $248,048,000 | 2,383 |
| Average equity | $33,920,500 | 2,247 |
| Average total loans | $180,108,000 | 2,358 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7967% | 329 |
| Cost of funding earning assets | 0.8175% | 2,600 |
| Net interest margin | 4.9791% | 283 |
| Noninterest income to average assets | 0.3346% | 3,708 |
| Noninterest expense to average assets | 3.8099% | 665 |
| Loan and lease loss provision to assets | 0.0573% | 2,886 |
| Net operating income to assets | 0.9895% | 2,882 |
| Return on assets (ROA) | 0.9895% | 2,963 |
| Pretax return on assets | 1.2796% | 2,576 |
| Return on Equity (ROE) | 6.6201% | 3,701 |
| Retained earnings to average equity (ytd only) | 6.6201% | 1,555 |
| Net charge-offs to loans | -0.0442% | 4,805 |
| Credit loss provision to net charge-offs | -168.9189% | 4,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0249% | 1,598 |
| Assets per employee ($millions) | 6.4033% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1103% | 2,892 |
| Loan loss allowance to noncurrent loans | 2,757.3529% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0279% | 4,509 |
| Noncurrent loans to loans | 0.0403% | 4,398 |
| Net loans and leases to total assets | 68.6330% | 2,594 |
| Net loans and leases to deposits | 81.4310% | 2,624 |
| Net loans and leases to core deposits | 84.3628% | 2,915 |
| Total domestic deposits to total assets | 84.2836% | 2,759 |
| Equity capital to assets | 13.7622% | 1,185 |
| Core capital (leverage) ratio | 14.5630% | 784 |
| Tier 1 risk-based capital ratio | 20.6776% | 1,226 |
| Total risk-based capital ratio | 21.8752% | 1,199 |
| Memoranda: | ||
| Average total assets | $218,196,600 | 2,677 |
| Average earning assets | $210,880,000 | 2,596 |
| Average equity | $32,612,800 | 2,266 |
| Average total loans | $167,536,200 | 2,434 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0228% | 229 |
| Cost of funding earning assets | 0.8184% | 2,624 |
| Net interest margin | 5.2043% | 199 |
| Noninterest income to average assets | 0.3775% | 3,453 |
| Noninterest expense to average assets | 3.0810% | 1,759 |
| Loan and lease loss provision to assets | 0.0786% | 2,336 |
| Net operating income to assets | 1.7208% | 715 |
| Return on assets (ROA) | 1.7208% | 756 |
| Pretax return on assets | 2.2468% | 414 |
| Return on Equity (ROE) | 11.2569% | 1,908 |
| Retained earnings to average equity (ytd only) | 11.2569% | 479 |
| Net charge-offs to loans | -0.0590% | 4,871 |
| Credit loss provision to net charge-offs | -168.9189% | 4,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9882% | 4,066 |
| Assets per employee ($millions) | 5.5941% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 3,298 |
| Loan loss allowance to noncurrent loans | 2,757.3529% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 4,579 |
| Noncurrent loans to loans | 0.0380% | 4,485 |
| Net loans and leases to total assets | 79.1110% | 970 |
| Net loans and leases to deposits | 94.9643% | 1,127 |
| Net loans and leases to core deposits | 98.7185% | 1,770 |
| Total domestic deposits to total assets | 83.3061% | 3,064 |
| Equity capital to assets | 15.1360% | 812 |
| Core capital (leverage) ratio | 15.2647% | 678 |
| Tier 1 risk-based capital ratio | 19.7902% | 1,403 |
| Total risk-based capital ratio | 20.9232% | 1,389 |
| Memoranda: | ||
| Average total assets | $211,914,250 | 2,753 |
| Average earning assets | $204,773,250 | 2,675 |
| Average equity | $32,394,250 | 2,290 |
| Average total loans | $167,201,000 | 2,463 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9290% | 270 |
| Cost of funding earning assets | 0.7984% | 2,650 |
| Net interest margin | 5.1305% | 226 |
| Noninterest income to average assets | 0.4337% | 3,046 |
| Noninterest expense to average assets | 3.0813% | 1,786 |
| Loan and lease loss provision to assets | 0.0721% | 2,373 |
| Net operating income to assets | 1.6599% | 788 |
| Return on assets (ROA) | 1.6599% | 824 |
| Pretax return on assets | 2.2427% | 408 |
| Return on Equity (ROE) | 10.8204% | 2,053 |
| Retained earnings to average equity (ytd only) | 10.8204% | 578 |
| Net charge-offs to loans | -0.0906% | 4,984 |
| Credit loss provision to net charge-offs | -101.3514% | 3,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1021% | 4,116 |
| Assets per employee ($millions) | 5.7266% | 1,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 3,360 |
| Loan loss allowance to noncurrent loans | 1,771.8447% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 4,531 |
| Noncurrent loans to loans | 0.0590% | 4,417 |
| Net loans and leases to total assets | 79.3486% | 993 |
| Net loans and leases to deposits | 95.2573% | 1,119 |
| Net loans and leases to core deposits | 98.5351% | 1,841 |
| Total domestic deposits to total assets | 83.2992% | 3,114 |
| Equity capital to assets | 15.0952% | 788 |
| Core capital (leverage) ratio | 15.5050% | 616 |
| Tier 1 risk-based capital ratio | 19.5664% | 1,425 |
| Total risk-based capital ratio | 20.6918% | 1,418 |
| Memoranda: | ||
| Average total assets | $207,964,330 | 2,801 |
| Average earning assets | $201,148,330 | 2,723 |
| Average equity | $31,902,670 | 2,306 |
| Average total loans | $163,302,330 | 2,504 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9356% | 243 |
| Cost of funding earning assets | 0.7886% | 2,599 |
| Net interest margin | 5.1471% | 220 |
| Noninterest income to average assets | 0.4115% | 3,099 |
| Noninterest expense to average assets | 3.1289% | 1,662 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6698% | 778 |
| Return on assets (ROA) | 1.6698% | 809 |
| Pretax return on assets | 2.2566% | 392 |
| Return on Equity (ROE) | 10.7924% | 2,029 |
| Retained earnings to average equity (ytd only) | 10.7924% | 851 |
| Net charge-offs to loans | -0.1268% | 5,085 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0987% | 4,064 |
| Assets per employee ($millions) | 5.3086% | 2,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0560% | 3,378 |
| Loan loss allowance to noncurrent loans | 1,675.7282% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 4,580 |
| Noncurrent loans to loans | 0.0630% | 4,480 |
| Net loans and leases to total assets | 78.1154% | 1,127 |
| Net loans and leases to deposits | 94.3543% | 1,129 |
| Net loans and leases to core deposits | 96.3309% | 1,905 |
| Total domestic deposits to total assets | 82.7895% | 3,465 |
| Equity capital to assets | 15.4137% | 665 |
| Core capital (leverage) ratio | 15.5110% | 593 |
| Tier 1 risk-based capital ratio | 20.3840% | 1,264 |
| Total risk-based capital ratio | 21.5275% | 1,258 |
| Memoranda: | ||
| Average total assets | $203,140,500 | 2,870 |
| Average earning assets | $196,305,500 | 2,797 |
| Average equity | $31,429,500 | 2,336 |
| Average total loans | $157,705,000 | 2,592 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0110% | 161 |
| Cost of funding earning assets | 0.6317% | 2,512 |
| Net interest margin | 5.3794% | 139 |
| Noninterest income to average assets | 0.3397% | 3,842 |
| Noninterest expense to average assets | 3.0981% | 1,799 |
| Loan and lease loss provision to assets | 0.0722% | 2,691 |
| Net operating income to assets | 1.7192% | 659 |
| Return on assets (ROA) | 1.7192% | 653 |
| Pretax return on assets | 2.3215% | 287 |
| Return on Equity (ROE) | 10.9988% | 2,082 |
| Retained earnings to average equity (ytd only) | 10.9988% | 440 |
| Net charge-offs to loans | 0.0279% | 2,848 |
| Credit loss provision to net charge-offs | 329.2683% | 954 |
| Earnings coverage of net charge-offs (x) | 109.1463% | 697 |
| Efficiency ratio | 56.4138% | 4,355 |
| Assets per employee ($millions) | 5.5346% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 3,082 |
| Loan loss allowance to noncurrent loans | 1,596.1905% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 4,578 |
| Noncurrent loans to loans | 0.0691% | 4,442 |
| Net loans and leases to total assets | 75.4252% | 1,709 |
| Net loans and leases to deposits | 91.4658% | 1,605 |
| Net loans and leases to core deposits | 93.1686% | 2,300 |
| Total domestic deposits to total assets | 82.4628% | 3,499 |
| Equity capital to assets | 15.5321% | 611 |
| Core capital (leverage) ratio | 15.6046% | 580 |
| Tier 1 risk-based capital ratio | 20.9382% | 1,161 |
| Total risk-based capital ratio | 22.1156% | 1,153 |
| Memoranda: | ||
| Average total assets | $186,951,400 | 2,988 |
| Average earning assets | $179,054,800 | 2,928 |
| Average equity | $29,221,400 | 2,379 |
| Average total loans | $146,836,800 | 2,682 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9427% | 171 |
| Cost of funding earning assets | 0.5841% | 2,594 |
| Net interest margin | 5.3585% | 136 |
| Noninterest income to average assets | 0.4024% | 3,471 |
| Noninterest expense to average assets | 3.1346% | 1,677 |
| Loan and lease loss provision to assets | 0.0725% | 2,507 |
| Net operating income to assets | 1.7214% | 708 |
| Return on assets (ROA) | 1.7214% | 715 |
| Pretax return on assets | 2.3239% | 325 |
| Return on Equity (ROE) | 10.9943% | 2,178 |
| Retained earnings to average equity (ytd only) | 10.9943% | 649 |
| Net charge-offs to loans | 0.0724% | 1,804 |
| Credit loss provision to net charge-offs | 126.5823% | 1,931 |
| Earnings coverage of net charge-offs (x) | 41.8358% | 1,317 |
| Efficiency ratio | 56.6728% | 4,290 |
| Assets per employee ($millions) | 5.5199% | 1,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0434% | 3,511 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 81.0062% | 868 |
| Net loans and leases to deposits | 98.8215% | 878 |
| Net loans and leases to core deposits | 100.2823% | 1,766 |
| Total domestic deposits to total assets | 81.9722% | 3,617 |
| Equity capital to assets | 15.9940% | 540 |
| Core capital (leverage) ratio | 15.7410% | 561 |
| Tier 1 risk-based capital ratio | 20.2352% | 1,289 |
| Total risk-based capital ratio | 21.3341% | 1,288 |
| Memoranda: | ||
| Average total assets | $183,878,000 | 3,041 |
| Average earning assets | $175,988,750 | 2,986 |
| Average equity | $28,790,000 | 2,414 |
| Average total loans | $145,556,750 | 2,713 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9681% | 149 |
| Cost of funding earning assets | 0.5228% | 2,810 |
| Net interest margin | 5.4453% | 117 |
| Noninterest income to average assets | 0.4655% | 3,058 |
| Noninterest expense to average assets | 3.2451% | 1,444 |
| Loan and lease loss provision to assets | 0.1095% | 1,793 |
| Net operating income to assets | 1.7053% | 712 |
| Return on assets (ROA) | 1.7053% | 720 |
| Pretax return on assets | 2.3011% | 328 |
| Return on Equity (ROE) | 10.9721% | 2,127 |
| Retained earnings to average equity (ytd only) | 10.9721% | 679 |
| Net charge-offs to loans | -0.0014% | 3,914 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3780% | 4,313 |
| Assets per employee ($millions) | 5.3244% | 2,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1459% | 3,002 |
| Loan loss allowance to noncurrent loans | 1,956.9767% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 4,802 |
| Noncurrent loans to loans | 0.0586% | 4,655 |
| Net loans and leases to total assets | 75.7443% | 1,678 |
| Net loans and leases to deposits | 90.7350% | 1,743 |
| Net loans and leases to core deposits | 94.8754% | 2,150 |
| Total domestic deposits to total assets | 83.4786% | 3,256 |
| Equity capital to assets | 15.2041% | 650 |
| Core capital (leverage) ratio | 15.8790% | 518 |
| Tier 1 risk-based capital ratio | 20.5257% | 1,247 |
| Total risk-based capital ratio | 21.7305% | 1,226 |
| Memoranda: | ||
| Average total assets | $182,611,670 | 3,068 |
| Average earning assets | $174,057,670 | 3,019 |
| Average equity | $28,381,000 | 2,449 |
| Average total loans | $142,864,670 | 2,765 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9694% | 141 |
| Cost of funding earning assets | 0.4628% | 3,104 |
| Net interest margin | 5.5066% | 106 |
| Noninterest income to average assets | 0.6379% | 2,088 |
| Noninterest expense to average assets | 3.2570% | 1,438 |
| Loan and lease loss provision to assets | 0.1123% | 1,679 |
| Net operating income to assets | 1.8599% | 500 |
| Return on assets (ROA) | 1.8599% | 502 |
| Pretax return on assets | 2.5068% | 209 |
| Return on Equity (ROE) | 11.8286% | 1,641 |
| Retained earnings to average equity (ytd only) | 11.8286% | 713 |
| Net charge-offs to loans | -0.0028% | 3,865 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4281% | 4,654 |
| Assets per employee ($millions) | 5.0331% | 2,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1319% | 3,197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 78.7253% | 1,123 |
| Net loans and leases to deposits | 95.6450% | 1,069 |
| Net loans and leases to core deposits | 109.2003% | 1,048 |
| Total domestic deposits to total assets | 82.3099% | 3,870 |
| Equity capital to assets | 15.6801% | 543 |
| Core capital (leverage) ratio | 16.0271% | 486 |
| Tier 1 risk-based capital ratio | 20.4443% | 1,273 |
| Total risk-based capital ratio | 21.6439% | 1,260 |
| Memoranda: | ||
| Average total assets | $178,078,000 | 3,146 |
| Average earning assets | $169,396,500 | 3,107 |
| Average equity | $28,000,000 | 2,495 |
| Average total loans | $140,862,500 | 2,805 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6328% | 217 |
| Cost of funding earning assets | 0.3854% | 3,382 |
| Net interest margin | 5.2474% | 156 |
| Noninterest income to average assets | 1.6642% | 388 |
| Noninterest expense to average assets | 3.1567% | 1,706 |
| Loan and lease loss provision to assets | 0.1336% | 1,714 |
| Net operating income to assets | 1.8177% | 401 |
| Return on assets (ROA) | 1.8177% | 410 |
| Pretax return on assets | 3.3290% | 81 |
| Return on Equity (ROE) | 12.8703% | 982 |
| Retained earnings to average equity (ytd only) | 12.8703% | 139 |
| Net charge-offs to loans | -0.0072% | 4,713 |
| Credit loss provision to net charge-offs | -2,377.7778% | 5,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6896% | 5,335 |
| Assets per employee ($millions) | 5.3019% | 2,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1510% | 3,056 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 77.6537% | 1,328 |
| Net loans and leases to deposits | 92.4378% | 1,463 |
| Net loans and leases to core deposits | 105.6936% | 1,280 |
| Total domestic deposits to total assets | 84.0064% | 3,205 |
| Equity capital to assets | 15.7684% | 542 |
| Core capital (leverage) ratio | 15.8095% | 493 |
| Tier 1 risk-based capital ratio | 20.8295% | 1,168 |
| Total risk-based capital ratio | 22.0483% | 1,152 |
| Memoranda: | ||
| Average total assets | $160,198,400 | 3,347 |
| Average earning assets | $151,274,800 | 3,308 |
| Average equity | $22,625,800 | 2,891 |
| Average total loans | $124,673,000 | 2,993 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4305% | 282 |
| Cost of funding earning assets | 0.3670% | 3,491 |
| Net interest margin | 5.0635% | 204 |
| Noninterest income to average assets | 2.0114% | 306 |
| Noninterest expense to average assets | 3.1708% | 1,636 |
| Loan and lease loss provision to assets | 0.1448% | 1,452 |
| Net operating income to assets | 2.1255% | 251 |
| Return on assets (ROA) | 2.1255% | 255 |
| Pretax return on assets | 3.4562% | 89 |
| Return on Equity (ROE) | 15.5557% | 583 |
| Retained earnings to average equity (ytd only) | 15.5557% | 99 |
| Net charge-offs to loans | -0.0110% | 4,658 |
| Credit loss provision to net charge-offs | -1,700.0000% | 5,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8235% | 5,393 |
| Assets per employee ($millions) | 5.5821% | 1,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1399% | 3,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 79.7011% | 1,028 |
| Net loans and leases to deposits | 95.4100% | 1,163 |
| Net loans and leases to core deposits | 109.3524% | 1,067 |
| Total domestic deposits to total assets | 83.5354% | 3,278 |
| Equity capital to assets | 16.2234% | 508 |
| Core capital (leverage) ratio | 16.1756% | 468 |
| Tier 1 risk-based capital ratio | 20.9375% | 1,207 |
| Total risk-based capital ratio | 22.1723% | 1,177 |
| Memoranda: | ||
| Average total assets | $156,507,000 | 3,422 |
| Average earning assets | $147,140,250 | 3,385 |
| Average equity | $21,385,000 | 3,032 |
| Average total loans | $121,479,250 | 3,058 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1515% | 431 |
| Cost of funding earning assets | 0.3310% | 3,780 |
| Net interest margin | 4.8205% | 311 |
| Noninterest income to average assets | 2.5724% | 220 |
| Noninterest expense to average assets | 3.2449% | 1,489 |
| Loan and lease loss provision to assets | 0.2224% | 788 |
| Net operating income to assets | 2.2243% | 204 |
| Return on assets (ROA) | 2.2243% | 205 |
| Pretax return on assets | 3.6204% | 84 |
| Return on Equity (ROE) | 17.4741% | 373 |
| Retained earnings to average equity (ytd only) | 17.4741% | 85 |
| Net charge-offs to loans | -0.0017% | 4,169 |
| Credit loss provision to net charge-offs | -17,000.0000% | 5,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7818% | 5,467 |
| Assets per employee ($millions) | 5.4951% | 1,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 3,003 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 76.2769% | 1,504 |
| Net loans and leases to deposits | 91.0417% | 1,604 |
| Net loans and leases to core deposits | 100.4000% | 1,623 |
| Total domestic deposits to total assets | 83.7824% | 3,292 |
| Equity capital to assets | 16.0186% | 527 |
| Core capital (leverage) ratio | 16.4246% | 427 |
| Tier 1 risk-based capital ratio | 20.5376% | 1,267 |
| Total risk-based capital ratio | 21.7902% | 1,237 |
| Memoranda: | ||
| Average total assets | $152,855,330 | 3,483 |
| Average earning assets | $143,181,000 | 3,450 |
| Average equity | $19,457,330 | 3,225 |
| Average total loans | $116,969,670 | 3,132 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2294% | 366 |
| Cost of funding earning assets | 0.3153% | 3,900 |
| Net interest margin | 4.9140% | 256 |
| Noninterest income to average assets | 4.3008% | 136 |
| Noninterest expense to average assets | 3.3066% | 1,374 |
| Loan and lease loss provision to assets | 0.0953% | 1,954 |
| Net operating income to assets | 3.3693% | 75 |
| Return on assets (ROA) | 3.3693% | 75 |
| Pretax return on assets | 5.4829% | 51 |
| Return on Equity (ROE) | 30.9589% | 39 |
| Retained earnings to average equity (ytd only) | 30.9589% | 25 |
| Net charge-offs to loans | -0.0036% | 4,096 |
| Credit loss provision to net charge-offs | -3,500.0000% | 4,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.2164% | 5,735 |
| Assets per employee ($millions) | 5.2488% | 2,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2338% | 2,917 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 73.3658% | 1,844 |
| Net loans and leases to deposits | 84.5482% | 2,216 |
| Net loans and leases to core deposits | 93.5896% | 2,013 |
| Total domestic deposits to total assets | 86.7739% | 2,324 |
| Equity capital to assets | 10.9090% | 2,735 |
| Core capital (leverage) ratio | 10.8113% | 2,586 |
| Tier 1 risk-based capital ratio | 13.7613% | 3,624 |
| Total risk-based capital ratio | 15.0152% | 3,528 |
| Memoranda: | ||
| Average total assets | $146,857,000 | 3,593 |
| Average earning assets | $136,995,000 | 3,576 |
| Average equity | $15,982,500 | 3,667 |
| Average total loans | $111,817,500 | 3,223 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2040% | 416 |
| Cost of funding earning assets | 0.3338% | 3,706 |
| Net interest margin | 4.8702% | 305 |
| Noninterest income to average assets | 0.7386% | 1,999 |
| Noninterest expense to average assets | 5.1835% | 237 |
| Loan and lease loss provision to assets | 0.3809% | 421 |
| Net operating income to assets | -0.4465% | 5,775 |
| Return on assets (ROA) | -0.4472% | 5,786 |
| Pretax return on assets | -0.3426% | 5,749 |
| Return on Equity (ROE) | -3.8507% | 5,774 |
| Retained earnings to average equity (ytd only) | -3.8507% | 5,628 |
| Net charge-offs to loans | 0.2588% | 1,072 |
| Credit loss provision to net charge-offs | 203.8610% | 1,387 |
| Earnings coverage of net charge-offs (x) | 0.2085% | 4,125 |
| Efficiency ratio | 99.2541% | 232 |
| Assets per employee ($millions) | 4.4260% | 3,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2291% | 2,945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3707% | 3,798 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 77.1069% | 1,345 |
| Net loans and leases to deposits | 86.7701% | 2,079 |
| Net loans and leases to core deposits | 96.2940% | 1,902 |
| Total domestic deposits to total assets | 88.8634% | 1,174 |
| Equity capital to assets | 10.9622% | 2,656 |
| Core capital (leverage) ratio | 9.0412% | 4,688 |
| Tier 1 risk-based capital ratio | 12.0275% | 4,714 |
| Total risk-based capital ratio | 13.2909% | 4,585 |
| Memoranda: | ||
| Average total assets | $138,633,400 | 3,694 |
| Average earning assets | $127,632,800 | 3,693 |
| Average equity | $16,101,000 | 3,683 |
| Average total loans | $100,060,600 | 3,381 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2488% | 397 |
| Cost of funding earning assets | 0.3349% | 3,719 |
| Net interest margin | 4.9139% | 294 |
| Noninterest income to average assets | 0.7494% | 1,966 |
| Noninterest expense to average assets | 3.4270% | 1,299 |
| Loan and lease loss provision to assets | 0.4554% | 291 |
| Net operating income to assets | 0.7346% | 3,671 |
| Return on assets (ROA) | 0.7339% | 3,812 |
| Pretax return on assets | 1.3634% | 2,184 |
| Return on Equity (ROE) | 6.2295% | 3,960 |
| Retained earnings to average equity (ytd only) | 6.2295% | 2,047 |
| Net charge-offs to loans | 0.3448% | 665 |
| Credit loss provision to net charge-offs | 186.9048% | 1,510 |
| Earnings coverage of net charge-offs (x) | 7.4683% | 2,872 |
| Efficiency ratio | 65.3151% | 3,708 |
| Assets per employee ($millions) | 4.2957% | 3,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 3,226 |
| Loan loss allowance to noncurrent loans | 127.0874% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 1.3213% | 1,442 |
| Noncurrent loans to loans | 0.9453% | 2,354 |
| Net loans and leases to total assets | 75.9416% | 1,527 |
| Net loans and leases to deposits | 86.3740% | 2,224 |
| Net loans and leases to core deposits | 95.8364% | 2,009 |
| Total domestic deposits to total assets | 87.9218% | 1,434 |
| Equity capital to assets | 11.9188% | 2,173 |
| Core capital (leverage) ratio | 10.5971% | 2,882 |
| Tier 1 risk-based capital ratio | 14.4192% | 3,321 |
| Total risk-based capital ratio | 15.6800% | 3,249 |
| Memoranda: | ||
| Average total assets | $137,883,750 | 3,730 |
| Average earning assets | $126,197,250 | 3,733 |
| Average equity | $16,244,750 | 3,690 |
| Average total loans | $97,434,000 | 3,439 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3164% | 348 |
| Cost of funding earning assets | 0.3320% | 3,775 |
| Net interest margin | 4.9844% | 263 |
| Noninterest income to average assets | 0.2636% | 4,899 |
| Noninterest expense to average assets | 3.4307% | 1,312 |
| Loan and lease loss provision to assets | 0.5359% | 232 |
| Net operating income to assets | 0.5222% | 4,596 |
| Return on assets (ROA) | 0.5213% | 4,718 |
| Pretax return on assets | 0.8463% | 4,134 |
| Return on Equity (ROE) | 4.4423% | 4,740 |
| Retained earnings to average equity (ytd only) | 4.4423% | 3,090 |
| Net charge-offs to loans | 0.2222% | 1,053 |
| Credit loss provision to net charge-offs | 351.9231% | 850 |
| Earnings coverage of net charge-offs (x) | 9.0865% | 2,454 |
| Efficiency ratio | 71.2591% | 2,778 |
| Assets per employee ($millions) | 4.1358% | 3,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 2,125 |
| Loan loss allowance to noncurrent loans | 134.5274% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 1.0881% | 1,946 |
| Noncurrent loans to loans | 1.0677% | 2,155 |
| Net loans and leases to total assets | 65.9790% | 3,087 |
| Net loans and leases to deposits | 74.8461% | 3,496 |
| Net loans and leases to core deposits | 83.1074% | 3,156 |
| Total domestic deposits to total assets | 88.1528% | 1,352 |
| Equity capital to assets | 11.7234% | 2,335 |
| Core capital (leverage) ratio | 10.5789% | 2,875 |
| Tier 1 risk-based capital ratio | 15.6094% | 2,820 |
| Total risk-based capital ratio | 16.8752% | 2,749 |
| Memoranda: | ||
| Average total assets | $136,592,000 | 3,776 |
| Average earning assets | $124,708,330 | 3,785 |
| Average equity | $16,027,670 | 3,727 |
| Average total loans | $93,591,000 | 3,532 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3624% | 312 |
| Cost of funding earning assets | 0.3448% | 3,661 |
| Net interest margin | 5.0176% | 240 |
| Noninterest income to average assets | 0.0267% | 6,024 |
| Noninterest expense to average assets | 3.3675% | 1,449 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7409% | 3,530 |
| Return on assets (ROA) | 0.7371% | 3,657 |
| Pretax return on assets | 1.1948% | 2,723 |
| Return on Equity (ROE) | 6.2789% | 3,844 |
| Retained earnings to average equity (ytd only) | 6.2789% | 2,246 |
| Net charge-offs to loans | 0.0214% | 2,504 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 80.8000% | 634 |
| Efficiency ratio | 73.7150% | 2,525 |
| Assets per employee ($millions) | 4.3268% | 3,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 3,486 |
| Loan loss allowance to noncurrent loans | 2,270.0000% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.5388% | 3,453 |
| Noncurrent loans to loans | 0.0528% | 5,276 |
| Net loans and leases to total assets | 67.5343% | 2,723 |
| Net loans and leases to deposits | 76.4663% | 3,166 |
| Net loans and leases to core deposits | 84.9074% | 2,852 |
| Total domestic deposits to total assets | 88.3191% | 1,456 |
| Equity capital to assets | 11.5097% | 2,431 |
| Core capital (leverage) ratio | 10.3262% | 3,159 |
| Tier 1 risk-based capital ratio | 14.9203% | 3,195 |
| Total risk-based capital ratio | 16.1833% | 3,127 |
| Memoranda: | ||
| Average total assets | $134,580,000 | 3,822 |
| Average earning assets | $121,812,000 | 3,879 |
| Average equity | $15,799,000 | 3,762 |
| Average total loans | $93,322,000 | 3,549 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7886% | 176 |
| Cost of funding earning assets | 0.3938% | 3,219 |
| Net interest margin | 5.3948% | 147 |
| Noninterest income to average assets | 1.3369% | 674 |
| Noninterest expense to average assets | 3.9986% | 674 |
| Loan and lease loss provision to assets | 0.4155% | 317 |
| Net operating income to assets | 1.1728% | 1,659 |
| Return on assets (ROA) | 1.1717% | 1,735 |
| Pretax return on assets | 1.7644% | 862 |
| Return on Equity (ROE) | 9.1122% | 2,405 |
| Retained earnings to average equity (ytd only) | 9.1122% | 630 |
| Net charge-offs to loans | 0.5598% | 436 |
| Credit loss provision to net charge-offs | 97.1831% | 2,611 |
| Earnings coverage of net charge-offs (x) | 5.1026% | 3,437 |
| Efficiency ratio | 64.6993% | 4,133 |
| Assets per employee ($millions) | 4.3568% | 3,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 3,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5325% | 3,512 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 69.5187% | 2,448 |
| Net loans and leases to deposits | 81.5690% | 2,643 |
| Net loans and leases to core deposits | 91.8383% | 2,241 |
| Total domestic deposits to total assets | 85.2268% | 2,988 |
| Equity capital to assets | 11.9829% | 1,962 |
| Core capital (leverage) ratio | 10.7790% | 2,622 |
| Tier 1 risk-based capital ratio | 14.6302% | 3,363 |
| Total risk-based capital ratio | 15.9032% | 3,279 |
| Memoranda: | ||
| Average total assets | $116,240,800 | 4,130 |
| Average earning assets | $104,359,600 | 4,181 |
| Average equity | $14,947,000 | 3,844 |
| Average total loans | $88,778,400 | 3,616 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5079% | 261 |
| Cost of funding earning assets | 0.4096% | 3,129 |
| Net interest margin | 5.0982% | 210 |
| Noninterest income to average assets | 1.5994% | 495 |
| Noninterest expense to average assets | 4.0132% | 651 |
| Loan and lease loss provision to assets | 0.5718% | 163 |
| Net operating income to assets | 1.1022% | 1,991 |
| Return on assets (ROA) | 1.1022% | 2,075 |
| Pretax return on assets | 1.5970% | 1,390 |
| Return on Equity (ROE) | 8.4052% | 2,869 |
| Retained earnings to average equity (ytd only) | 8.4052% | 1,086 |
| Net charge-offs to loans | 0.7699% | 270 |
| Credit loss provision to net charge-offs | 95.0787% | 2,388 |
| Earnings coverage of net charge-offs (x) | 3.6063% | 3,480 |
| Efficiency ratio | 64.9177% | 4,081 |
| Assets per employee ($millions) | 4.4269% | 3,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2077% | 3,609 |
| Loan loss allowance to noncurrent loans | 163.1503% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 1.0983% | 2,158 |
| Noncurrent loans to loans | 0.7403% | 3,113 |
| Net loans and leases to total assets | 71.9364% | 2,068 |
| Net loans and leases to deposits | 81.8586% | 2,660 |
| Net loans and leases to core deposits | 96.5853% | 1,834 |
| Total domestic deposits to total assets | 87.8790% | 1,627 |
| Equity capital to assets | 11.8445% | 2,225 |
| Core capital (leverage) ratio | 10.4666% | 3,078 |
| Tier 1 risk-based capital ratio | 14.1512% | 3,763 |
| Total risk-based capital ratio | 15.4019% | 3,693 |
| Memoranda: | ||
| Average total assets | $112,625,250 | 4,258 |
| Average earning assets | $101,234,750 | 4,299 |
| Average equity | $14,768,250 | 3,910 |
| Average total loans | $87,972,250 | 3,669 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5955% | 231 |
| Cost of funding earning assets | 0.4105% | 3,154 |
| Net interest margin | 5.1850% | 186 |
| Noninterest income to average assets | 1.7937% | 430 |
| Noninterest expense to average assets | 4.1910% | 549 |
| Loan and lease loss provision to assets | 0.4005% | 296 |
| Net operating income to assets | 1.3188% | 1,264 |
| Return on assets (ROA) | 1.3188% | 1,314 |
| Pretax return on assets | 1.8366% | 834 |
| Return on Equity (ROE) | 9.6838% | 2,211 |
| Retained earnings to average equity (ytd only) | 9.6838% | 732 |
| Net charge-offs to loans | -0.0348% | 5,386 |
| Credit loss provision to net charge-offs | -1,433.3333% | 5,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1985% | 4,150 |
| Assets per employee ($millions) | 3.8564% | 4,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5272% | 2,178 |
| Loan loss allowance to noncurrent loans | 110.5431% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 2.0235% | 1,082 |
| Noncurrent loans to loans | 1.3815% | 1,954 |
| Net loans and leases to total assets | 79.7963% | 830 |
| Net loans and leases to deposits | 92.3973% | 1,330 |
| Net loans and leases to core deposits | 107.7868% | 967 |
| Total domestic deposits to total assets | 86.3622% | 2,502 |
| Equity capital to assets | 13.3803% | 1,225 |
| Core capital (leverage) ratio | 10.2702% | 3,254 |
| Tier 1 risk-based capital ratio | 13.7443% | 4,069 |
| Total risk-based capital ratio | 14.9994% | 4,004 |
| Memoranda: | ||
| Average total assets | $107,373,670 | 4,396 |
| Average earning assets | $95,969,330 | 4,469 |
| Average equity | $14,622,330 | 3,945 |
| Average total loans | $86,136,000 | 3,728 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4349% | 284 |
| Cost of funding earning assets | 0.3833% | 3,486 |
| Net interest margin | 5.0516% | 226 |
| Noninterest income to average assets | 1.5940% | 483 |
| Noninterest expense to average assets | 3.9337% | 737 |
| Loan and lease loss provision to assets | 0.4375% | 252 |
| Net operating income to assets | 1.4457% | 948 |
| Return on assets (ROA) | 1.4457% | 1,008 |
| Pretax return on assets | 1.7348% | 980 |
| Return on Equity (ROE) | 10.5179% | 1,794 |
| Retained earnings to average equity (ytd only) | 10.5179% | 809 |
| Net charge-offs to loans | 0.0954% | 1,772 |
| Credit loss provision to net charge-offs | 575.0000% | 490 |
| Earnings coverage of net charge-offs (x) | 28.5500% | 1,181 |
| Efficiency ratio | 64.4237% | 4,414 |
| Assets per employee ($millions) | 4.1429% | 3,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 2,993 |
| Loan loss allowance to noncurrent loans | 165.8699% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 1.5207% | 1,711 |
| Noncurrent loans to loans | 0.8347% | 3,156 |
| Net loans and leases to total assets | 76.6881% | 1,105 |
| Net loans and leases to deposits | 88.0364% | 1,605 |
| Net loans and leases to core deposits | 91.9055% | 1,953 |
| Total domestic deposits to total assets | 87.1096% | 2,313 |
| Equity capital to assets | 12.6309% | 1,611 |
| Core capital (leverage) ratio | 11.5571% | 1,956 |
| Tier 1 risk-based capital ratio | 13.7560% | 4,184 |
| Total risk-based capital ratio | 15.0086% | 4,094 |
| Memoranda: | ||
| Average total assets | $105,142,500 | 4,476 |
| Average earning assets | $93,911,000 | 4,552 |
| Average equity | $14,451,500 | 4,003 |
| Average total loans | $83,891,500 | 3,800 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6319% | 259 |
| Cost of funding earning assets | 0.4514% | 3,158 |
| Net interest margin | 5.1804% | 214 |
| Noninterest income to average assets | 1.8821% | 374 |
| Noninterest expense to average assets | 4.4311% | 491 |
| Loan and lease loss provision to assets | 0.9121% | 130 |
| Net operating income to assets | 0.8084% | 3,331 |
| Return on assets (ROA) | 0.7740% | 3,595 |
| Pretax return on assets | 1.0620% | 3,248 |
| Return on Equity (ROE) | 5.2622% | 4,523 |
| Retained earnings to average equity (ytd only) | 5.2622% | 2,424 |
| Net charge-offs to loans | 1.8031% | 119 |
| Credit loss provision to net charge-offs | 65.3876% | 3,175 |
| Earnings coverage of net charge-offs (x) | 1.4490% | 4,417 |
| Efficiency ratio | 68.6743% | 3,775 |
| Assets per employee ($millions) | 3.4920% | 4,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4863% | 2,541 |
| Loan loss allowance to noncurrent loans | 135.1700% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 1.9770% | 1,295 |
| Noncurrent loans to loans | 1.0996% | 2,632 |
| Net loans and leases to total assets | 81.0540% | 624 |
| Net loans and leases to deposits | 95.8594% | 908 |
| Net loans and leases to core deposits | 101.9572% | 1,249 |
| Total domestic deposits to total assets | 84.5552% | 3,483 |
| Equity capital to assets | 15.1150% | 687 |
| Core capital (leverage) ratio | 12.4695% | 1,369 |
| Tier 1 risk-based capital ratio | 14.8577% | 3,565 |
| Total risk-based capital ratio | 16.1112% | 3,499 |
| Memoranda: | ||
| Average total assets | $93,408,600 | 4,766 |
| Average earning assets | $82,406,200 | 4,841 |
| Average equity | $13,739,400 | 4,066 |
| Average total loans | $72,262,600 | 4,116 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5076% | 317 |
| Cost of funding earning assets | 0.4630% | 3,123 |
| Net interest margin | 5.0446% | 274 |
| Noninterest income to average assets | 1.6396% | 483 |
| Noninterest expense to average assets | 4.1148% | 672 |
| Loan and lease loss provision to assets | 1.4078% | 61 |
| Net operating income to assets | 0.5360% | 4,732 |
| Return on assets (ROA) | 0.5022% | 4,931 |
| Pretax return on assets | 0.5537% | 5,171 |
| Return on Equity (ROE) | 3.4382% | 5,383 |
| Retained earnings to average equity (ytd only) | 3.4382% | 4,177 |
| Net charge-offs to loans | 2.3946% | 67 |
| Credit loss provision to net charge-offs | 77.2370% | 2,650 |
| Earnings coverage of net charge-offs (x) | 1.0965% | 4,233 |
| Efficiency ratio | 67.3063% | 3,988 |
| Assets per employee ($millions) | 3.7131% | 4,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6659% | 2,079 |
| Loan loss allowance to noncurrent loans | 566.3793% | 883 |
| Noncurrent assets plus other real estate owned to assets | 1.2875% | 2,399 |
| Noncurrent loans to loans | 0.2941% | 5,023 |
| Net loans and leases to total assets | 80.3398% | 680 |
| Net loans and leases to deposits | 94.1639% | 1,025 |
| Net loans and leases to core deposits | 99.9420% | 1,372 |
| Total domestic deposits to total assets | 85.3190% | 3,201 |
| Equity capital to assets | 14.3226% | 902 |
| Core capital (leverage) ratio | 11.2750% | 2,241 |
| Tier 1 risk-based capital ratio | 13.4707% | 4,564 |
| Total risk-based capital ratio | 14.7265% | 4,499 |
| Memoranda: | ||
| Average total assets | $93,189,750 | 4,817 |
| Average earning assets | $82,647,500 | 4,883 |
| Average equity | $13,611,500 | 4,106 |
| Average total loans | $70,934,750 | 4,193 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4274% | 354 |
| Cost of funding earning assets | 0.4817% | 3,008 |
| Net interest margin | 4.9457% | 317 |
| Noninterest income to average assets | 1.9115% | 369 |
| Noninterest expense to average assets | 4.2379% | 578 |
| Loan and lease loss provision to assets | 1.3880% | 66 |
| Net operating income to assets | 0.6925% | 3,884 |
| Return on assets (ROA) | 0.6538% | 4,173 |
| Pretax return on assets | 0.6625% | 4,760 |
| Return on Equity (ROE) | 4.4462% | 4,944 |
| Retained earnings to average equity (ytd only) | 4.4462% | 3,340 |
| Net charge-offs to loans | 2.2698% | 91 |
| Credit loss provision to net charge-offs | 82.4516% | 2,302 |
| Earnings coverage of net charge-offs (x) | 1.2413% | 3,860 |
| Efficiency ratio | 66.9756% | 4,198 |
| Assets per employee ($millions) | 3.6311% | 4,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0506% | 1,275 |
| Loan loss allowance to noncurrent loans | 490.9699% | 944 |
| Noncurrent assets plus other real estate owned to assets | 1.3362% | 2,449 |
| Noncurrent loans to loans | 0.4177% | 4,735 |
| Net loans and leases to total assets | 71.5236% | 1,826 |
| Net loans and leases to deposits | 86.9222% | 1,719 |
| Net loans and leases to core deposits | 93.3776% | 1,830 |
| Total domestic deposits to total assets | 82.2846% | 4,552 |
| Equity capital to assets | 14.0281% | 955 |
| Core capital (leverage) ratio | 11.4394% | 2,062 |
| Tier 1 risk-based capital ratio | 14.8409% | 3,723 |
| Total risk-based capital ratio | 16.1021% | 3,659 |
| Memoranda: | ||
| Average total assets | $92,073,000 | 4,874 |
| Average earning assets | $82,212,670 | 4,933 |
| Average equity | $13,539,670 | 4,127 |
| Average total loans | $68,288,330 | 4,288 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2815% | 426 |
| Cost of funding earning assets | 0.4920% | 2,993 |
| Net interest margin | 4.7895% | 392 |
| Noninterest income to average assets | 2.4425% | 250 |
| Noninterest expense to average assets | 4.4854% | 463 |
| Loan and lease loss provision to assets | 1.3739% | 75 |
| Net operating income to assets | 1.0641% | 1,954 |
| Return on assets (ROA) | 1.0147% | 2,220 |
| Pretax return on assets | 0.8172% | 4,040 |
| Return on Equity (ROE) | 6.7297% | 3,618 |
| Retained earnings to average equity (ytd only) | 6.7297% | 2,177 |
| Net charge-offs to loans | 0.1441% | 1,861 |
| Credit loss provision to net charge-offs | 1,275.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 20.7917% | 1,321 |
| Efficiency ratio | 66.6889% | 4,417 |
| Assets per employee ($millions) | 3.4833% | 4,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7892% | 550 |
| Loan loss allowance to noncurrent loans | 168.8451% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 2.3496% | 1,385 |
| Noncurrent loans to loans | 1.6519% | 2,352 |
| Net loans and leases to total assets | 72.5783% | 1,481 |
| Net loans and leases to deposits | 85.7415% | 1,632 |
| Net loans and leases to core deposits | 92.4605% | 1,689 |
| Total domestic deposits to total assets | 84.6478% | 4,022 |
| Equity capital to assets | 15.0397% | 665 |
| Core capital (leverage) ratio | 11.9679% | 1,670 |
| Tier 1 risk-based capital ratio | 15.8021% | 3,267 |
| Total risk-based capital ratio | 17.0735% | 3,222 |
| Memoranda: | ||
| Average total assets | $89,090,000 | 4,993 |
| Average earning assets | $79,674,000 | 5,034 |
| Average equity | $13,433,000 | 4,162 |
| Average total loans | $66,638,000 | 4,368 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2322% | 119 |
| Cost of funding earning assets | 0.6227% | 2,455 |
| Net interest margin | 5.6096% | 113 |
| Noninterest income to average assets | 1.2934% | 834 |
| Noninterest expense to average assets | 5.1389% | 317 |
| Loan and lease loss provision to assets | 0.3165% | 1,049 |
| Net operating income to assets | 5.9167% | 38 |
| Return on assets (ROA) | 5.9154% | 39 |
| Pretax return on assets | 0.9385% | 3,605 |
| Return on Equity (ROE) | 48.1191% | 19 |
| Retained earnings to average equity (ytd only) | 48.1191% | 8 |
| Net charge-offs to loans | 0.4455% | 1,490 |
| Credit loss provision to net charge-offs | 93.4307% | 2,664 |
| Earnings coverage of net charge-offs (x) | 3.7080% | 3,773 |
| Efficiency ratio | 80.3558% | 2,095 |
| Assets per employee ($millions) | 3.5045% | 4,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4430% | 887 |
| Loan loss allowance to noncurrent loans | 133.7781% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 2.5213% | 1,354 |
| Noncurrent loans to loans | 1.8261% | 2,203 |
| Net loans and leases to total assets | 73.1102% | 1,503 |
| Net loans and leases to deposits | 89.2900% | 1,314 |
| Net loans and leases to core deposits | 98.3434% | 1,281 |
| Total domestic deposits to total assets | 81.8794% | 4,913 |
| Equity capital to assets | 15.1176% | 653 |
| Core capital (leverage) ratio | 12.5484% | 1,332 |
| Tier 1 risk-based capital ratio | 16.3317% | 2,948 |
| Total risk-based capital ratio | 17.5981% | 2,886 |
| Memoranda: | ||
| Average total assets | $80,873,000 | 5,219 |
| Average earning assets | $73,553,000 | 5,209 |
| Average equity | $9,942,000 | 4,857 |
| Average total loans | $61,497,600 | 4,563 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4272% | 99 |
| Cost of funding earning assets | 0.6481% | 2,375 |
| Net interest margin | 5.7792% | 100 |
| Noninterest income to average assets | 1.3133% | 861 |
| Noninterest expense to average assets | 4.8895% | 366 |
| Loan and lease loss provision to assets | 0.4310% | 673 |
| Net operating income to assets | 1.2779% | 1,404 |
| Return on assets (ROA) | 1.2779% | 1,474 |
| Pretax return on assets | 1.2779% | 2,419 |
| Return on Equity (ROE) | 11.1007% | 1,784 |
| Retained earnings to average equity (ytd only) | 11.1007% | 560 |
| Net charge-offs to loans | 0.5359% | 1,192 |
| Credit loss provision to net charge-offs | 105.3498% | 2,219 |
| Earnings coverage of net charge-offs (x) | 4.1770% | 3,521 |
| Efficiency ratio | 74.1005% | 3,044 |
| Assets per employee ($millions) | 3.4037% | 5,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4772% | 960 |
| Loan loss allowance to noncurrent loans | 59.0679% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 4.5339% | 662 |
| Noncurrent loans to loans | 4.1938% | 824 |
| Net loans and leases to total assets | 75.6431% | 1,051 |
| Net loans and leases to deposits | 85.4433% | 1,683 |
| Net loans and leases to core deposits | 94.0103% | 1,576 |
| Total domestic deposits to total assets | 88.5302% | 1,826 |
| Equity capital to assets | 10.8857% | 2,877 |
| Core capital (leverage) ratio | 11.4962% | 2,046 |
| Tier 1 risk-based capital ratio | 15.6167% | 3,392 |
| Total risk-based capital ratio | 16.8851% | 3,343 |
| Memoranda: | ||
| Average total assets | $79,188,000 | 5,309 |
| Average earning assets | $72,419,250 | 5,293 |
| Average equity | $9,116,250 | 5,109 |
| Average total loans | $60,457,500 | 4,642 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8093% | 71 |
| Cost of funding earning assets | 0.6747% | 2,267 |
| Net interest margin | 6.1346% | 68 |
| Noninterest income to average assets | 0.8625% | 1,949 |
| Noninterest expense to average assets | 4.7579% | 425 |
| Loan and lease loss provision to assets | 0.1217% | 2,801 |
| Net operating income to assets | 1.5644% | 800 |
| Return on assets (ROA) | 1.5644% | 868 |
| Pretax return on assets | 1.5644% | 1,452 |
| Return on Equity (ROE) | 13.3226% | 1,167 |
| Retained earnings to average equity (ytd only) | 13.3226% | 349 |
| Net charge-offs to loans | 0.6825% | 965 |
| Credit loss provision to net charge-offs | 23.5000% | 3,681 |
| Earnings coverage of net charge-offs (x) | 3.2550% | 3,444 |
| Efficiency ratio | 73.8344% | 3,161 |
| Assets per employee ($millions) | 3.2799% | 5,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3506% | 1,170 |
| Loan loss allowance to noncurrent loans | 317.2786% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 1.8940% | 2,285 |
| Noncurrent loans to loans | 0.7409% | 4,443 |
| Net loans and leases to total assets | 74.4247% | 1,189 |
| Net loans and leases to deposits | 84.4604% | 1,742 |
| Net loans and leases to core deposits | 93.6844% | 1,547 |
| Total domestic deposits to total assets | 88.1179% | 2,163 |
| Equity capital to assets | 11.3809% | 2,398 |
| Core capital (leverage) ratio | 11.8795% | 1,682 |
| Tier 1 risk-based capital ratio | 16.9250% | 2,740 |
| Total risk-based capital ratio | 18.1929% | 2,707 |
| Memoranda: | ||
| Average total assets | $77,219,670 | 5,387 |
| Average earning assets | $70,257,330 | 5,386 |
| Average equity | $9,067,330 | 5,155 |
| Average total loans | $58,609,330 | 4,720 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2852% | 528 |
| Cost of funding earning assets | 0.6984% | 2,221 |
| Net interest margin | 4.5868% | 571 |
| Noninterest income to average assets | 1.2134% | 1,033 |
| Noninterest expense to average assets | 4.9231% | 389 |
| Loan and lease loss provision to assets | 0.0374% | 3,964 |
| Net operating income to assets | 0.3956% | 5,146 |
| Return on assets (ROA) | 0.3956% | 5,290 |
| Pretax return on assets | 0.3956% | 5,570 |
| Return on Equity (ROE) | 3.3128% | 5,429 |
| Retained earnings to average equity (ytd only) | 3.3128% | 4,266 |
| Net charge-offs to loans | 1.7082% | 290 |
| Credit loss provision to net charge-offs | 2.8926% | 3,215 |
| Earnings coverage of net charge-offs (x) | 0.3347% | 3,698 |
| Efficiency ratio | 91.9162% | 992 |
| Assets per employee ($millions) | 3.0437% | 5,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4381% | 1,195 |
| Loan loss allowance to noncurrent loans | 1,050.7576% | 456 |
| Noncurrent assets plus other real estate owned to assets | 1.6059% | 2,856 |
| Noncurrent loans to loans | 0.2320% | 5,833 |
| Net loans and leases to total assets | 72.9397% | 1,213 |
| Net loans and leases to deposits | 83.1877% | 1,684 |
| Net loans and leases to core deposits | 93.5022% | 1,377 |
| Total domestic deposits to total assets | 87.6809% | 2,528 |
| Equity capital to assets | 11.7672% | 2,204 |
| Core capital (leverage) ratio | 11.7671% | 1,694 |
| Tier 1 risk-based capital ratio | 15.8091% | 3,370 |
| Total risk-based capital ratio | 17.0746% | 3,324 |
| Memoranda: | ||
| Average total assets | $74,831,000 | 5,491 |
| Average earning assets | $67,585,000 | 5,507 |
| Average equity | $8,935,000 | 5,235 |
| Average total loans | $56,666,500 | 4,831 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3978% | 761 |
| Cost of funding earning assets | 0.7833% | 2,799 |
| Net interest margin | 4.6145% | 762 |
| Noninterest income to average assets | 2.7035% | 286 |
| Noninterest expense to average assets | 5.6567% | 258 |
| Loan and lease loss provision to assets | 0.7843% | 622 |
| Net operating income to assets | 0.3666% | 5,231 |
| Return on assets (ROA) | 0.3666% | 5,459 |
| Pretax return on assets | 0.3666% | 5,665 |
| Return on Equity (ROE) | 2.9015% | 5,586 |
| Retained earnings to average equity (ytd only) | 2.9015% | 4,192 |
| Net charge-offs to loans | 2.2045% | 308 |
| Credit loss provision to net charge-offs | 50.2339% | 4,695 |
| Earnings coverage of net charge-offs (x) | 0.7371% | 5,110 |
| Efficiency ratio | 83.0938% | 1,735 |
| Assets per employee ($millions) | 3.3440% | 5,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8736% | 752 |
| Loan loss allowance to noncurrent loans | 132.7332% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 3.1426% | 1,489 |
| Noncurrent loans to loans | 2.1650% | 2,507 |
| Net loans and leases to total assets | 74.5178% | 1,121 |
| Net loans and leases to deposits | 85.4311% | 1,590 |
| Net loans and leases to core deposits | 98.3954% | 1,120 |
| Total domestic deposits to total assets | 87.2256% | 2,688 |
| Equity capital to assets | 12.1192% | 1,966 |
| Core capital (leverage) ratio | 12.5645% | 1,300 |
| Tier 1 risk-based capital ratio | 18.6314% | 2,060 |
| Total risk-based capital ratio | 19.9075% | 2,019 |
| Memoranda: | ||
| Average total assets | $68,467,800 | 5,666 |
| Average earning assets | $60,894,800 | 5,710 |
| Average equity | $8,650,800 | 5,316 |
| Average total loans | $48,491,000 | 5,162 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3966% | 842 |
| Cost of funding earning assets | 0.8058% | 2,894 |
| Net interest margin | 4.5908% | 837 |
| Noninterest income to average assets | 2.6927% | 287 |
| Noninterest expense to average assets | 5.6572% | 248 |
| Loan and lease loss provision to assets | 1.0021% | 407 |
| Net operating income to assets | 0.1032% | 6,125 |
| Return on assets (ROA) | 0.1032% | 6,268 |
| Pretax return on assets | 0.1032% | 6,272 |
| Return on Equity (ROE) | 0.8076% | 6,282 |
| Retained earnings to average equity (ytd only) | 0.8076% | 5,838 |
| Net charge-offs to loans | 1.4565% | 608 |
| Credit loss provision to net charge-offs | 99.4094% | 3,025 |
| Earnings coverage of net charge-offs (x) | 1.0965% | 4,753 |
| Efficiency ratio | 83.6561% | 1,632 |
| Assets per employee ($millions) | 3.4402% | 5,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2323% | 255 |
| Loan loss allowance to noncurrent loans | 114.9038% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 4.1902% | 1,137 |
| Noncurrent loans to loans | 3.6833% | 1,453 |
| Net loans and leases to total assets | 70.7426% | 1,772 |
| Net loans and leases to deposits | 81.7333% | 2,159 |
| Net loans and leases to core deposits | 96.9698% | 1,340 |
| Total domestic deposits to total assets | 86.5529% | 2,948 |
| Equity capital to assets | 12.5140% | 1,882 |
| Core capital (leverage) ratio | 12.4639% | 1,427 |
| Tier 1 risk-based capital ratio | 19.5619% | 1,864 |
| Total risk-based capital ratio | 20.8565% | 1,826 |
| Memoranda: | ||
| Average total assets | $67,192,500 | 5,768 |
| Average earning assets | $59,566,500 | 5,827 |
| Average equity | $8,584,500 | 5,389 |
| Average total loans | $46,502,750 | 5,297 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4742% | 758 |
| Cost of funding earning assets | 0.8139% | 3,087 |
| Net interest margin | 4.6603% | 731 |
| Noninterest income to average assets | 2.0013% | 406 |
| Noninterest expense to average assets | 5.3889% | 293 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7531% | 3,587 |
| Return on assets (ROA) | 0.7531% | 3,867 |
| Pretax return on assets | 0.7531% | 4,637 |
| Return on Equity (ROE) | 5.8535% | 4,394 |
| Retained earnings to average equity (ytd only) | 5.8535% | 2,801 |
| Net charge-offs to loans | 1.3004% | 818 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.8567% | 4,629 |
| Efficiency ratio | 87.7382% | 1,257 |
| Assets per employee ($millions) | 4.0652% | 3,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9094% | 366 |
| Loan loss allowance to noncurrent loans | 76.7106% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 3.5104% | 1,516 |
| Noncurrent loans to loans | 5.0963% | 951 |
| Net loans and leases to total assets | 66.1882% | 2,636 |
| Net loans and leases to deposits | 76.4060% | 2,927 |
| Net loans and leases to core deposits | 91.9086% | 1,789 |
| Total domestic deposits to total assets | 86.6269% | 2,992 |
| Equity capital to assets | 12.6727% | 1,704 |
| Core capital (leverage) ratio | 12.8435% | 1,201 |
| Tier 1 risk-based capital ratio | 20.3491% | 1,627 |
| Total risk-based capital ratio | 21.6384% | 1,583 |
| Memoranda: | ||
| Average total assets | $66,655,670 | 5,820 |
| Average earning assets | $59,223,670 | 5,866 |
| Average equity | $8,576,000 | 5,394 |
| Average total loans | $45,062,330 | 5,377 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5523% | 691 |
| Cost of funding earning assets | 0.8436% | 3,114 |
| Net interest margin | 4.7088% | 672 |
| Noninterest income to average assets | 1.8891% | 451 |
| Noninterest expense to average assets | 5.5266% | 263 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5258% | 4,708 |
| Return on assets (ROA) | 0.5258% | 4,918 |
| Pretax return on assets | 0.5258% | 5,346 |
| Return on Equity (ROE) | 4.0542% | 5,272 |
| Retained earnings to average equity (ytd only) | 4.0542% | 4,159 |
| Net charge-offs to loans | 2.3383% | 364 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.3359% | 4,198 |
| Efficiency ratio | 91.3131% | 991 |
| Assets per employee ($millions) | 3.0771% | 6,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2990% | 291 |
| Loan loss allowance to noncurrent loans | 75.8290% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 3.6974% | 1,531 |
| Noncurrent loans to loans | 5.6693% | 924 |
| Net loans and leases to total assets | 62.4143% | 3,170 |
| Net loans and leases to deposits | 71.8034% | 3,460 |
| Net loans and leases to core deposits | 82.7222% | 2,723 |
| Total domestic deposits to total assets | 86.9239% | 2,999 |
| Equity capital to assets | 12.5990% | 1,659 |
| Core capital (leverage) ratio | 13.0700% | 1,103 |
| Tier 1 risk-based capital ratio | 19.3201% | 1,894 |
| Total risk-based capital ratio | 20.6071% | 1,848 |
| Memoranda: | ||
| Average total assets | $65,429,000 | 5,906 |
| Average earning assets | $57,849,500 | 5,946 |
| Average equity | $8,485,000 | 5,439 |
| Average total loans | $43,792,000 | 5,475 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1424% | 2,278 |
| Cost of funding earning assets | 0.9174% | 3,980 |
| Net interest margin | 4.2251% | 1,976 |
| Noninterest income to average assets | 2.7552% | 233 |
| Noninterest expense to average assets | 5.9792% | 211 |
| Loan and lease loss provision to assets | 1.2391% | 691 |
| Net operating income to assets | -0.7124% | 6,612 |
| Return on assets (ROA) | -0.7230% | 6,648 |
| Pretax return on assets | -0.7230% | 6,607 |
| Return on Equity (ROE) | -5.3153% | 6,547 |
| Retained earnings to average equity (ytd only) | -5.3153% | 6,471 |
| Net charge-offs to loans | 1.1508% | 1,478 |
| Credit loss provision to net charge-offs | 143.0580% | 2,031 |
| Earnings coverage of net charge-offs (x) | 0.6081% | 5,367 |
| Efficiency ratio | 91.9045% | 1,052 |
| Assets per employee ($millions) | 2.8710% | 6,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9592% | 180 |
| Loan loss allowance to noncurrent loans | 78.0152% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 4.3713% | 1,261 |
| Noncurrent loans to loans | 6.3568% | 756 |
| Net loans and leases to total assets | 65.3558% | 2,909 |
| Net loans and leases to deposits | 75.9801% | 3,185 |
| Net loans and leases to core deposits | 90.3401% | 2,075 |
| Total domestic deposits to total assets | 86.0169% | 3,317 |
| Equity capital to assets | 13.3640% | 1,338 |
| Core capital (leverage) ratio | 12.7966% | 1,222 |
| Tier 1 risk-based capital ratio | 19.5041% | 1,756 |
| Total risk-based capital ratio | 20.8004% | 1,712 |
| Memoranda: | ||
| Average total assets | $65,694,800 | 5,875 |
| Average earning assets | $58,318,600 | 5,920 |
| Average equity | $8,936,400 | 5,297 |
| Average total loans | $49,442,600 | 5,283 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0607% | 2,800 |
| Cost of funding earning assets | 0.9015% | 4,386 |
| Net interest margin | 4.1591% | 2,246 |
| Noninterest income to average assets | 2.7901% | 234 |
| Noninterest expense to average assets | 6.0003% | 204 |
| Loan and lease loss provision to assets | 1.3548% | 545 |
| Net operating income to assets | -0.8463% | 6,820 |
| Return on assets (ROA) | -0.8382% | 6,853 |
| Pretax return on assets | -0.8382% | 6,803 |
| Return on Equity (ROE) | -6.1366% | 6,726 |
| Retained earnings to average equity (ytd only) | -6.1366% | 6,653 |
| Net charge-offs to loans | 0.8611% | 1,847 |
| Credit loss provision to net charge-offs | 204.8632% | 1,429 |
| Earnings coverage of net charge-offs (x) | 0.7690% | 5,036 |
| Efficiency ratio | 92.1865% | 1,021 |
| Assets per employee ($millions) | 2.9978% | 6,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1248% | 164 |
| Loan loss allowance to noncurrent loans | 79.1359% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 7.3039% | 652 |
| Noncurrent loans to loans | 6.4759% | 819 |
| Net loans and leases to total assets | 63.2439% | 3,468 |
| Net loans and leases to deposits | 73.2834% | 3,767 |
| Net loans and leases to core deposits | 84.9750% | 2,914 |
| Total domestic deposits to total assets | 86.3004% | 3,037 |
| Equity capital to assets | 12.8444% | 1,690 |
| Core capital (leverage) ratio | 13.0249% | 1,225 |
| Tier 1 risk-based capital ratio | 18.0004% | 2,253 |
| Total risk-based capital ratio | 19.2945% | 2,195 |
| Memoranda: | ||
| Average total assets | $66,328,000 | 5,903 |
| Average earning assets | $59,305,750 | 5,929 |
| Average equity | $9,060,250 | 5,291 |
| Average total loans | $50,944,750 | 5,279 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0946% | 2,707 |
| Cost of funding earning assets | 0.9024% | 4,648 |
| Net interest margin | 4.1922% | 2,069 |
| Noninterest income to average assets | 5.1344% | 134 |
| Noninterest expense to average assets | 5.7935% | 220 |
| Loan and lease loss provision to assets | 1.4657% | 487 |
| Net operating income to assets | 1.6643% | 646 |
| Return on assets (ROA) | 1.6583% | 695 |
| Pretax return on assets | 1.6583% | 1,138 |
| Return on Equity (ROE) | 11.9049% | 1,522 |
| Retained earnings to average equity (ytd only) | 11.9049% | 528 |
| Net charge-offs to loans | 0.1352% | 4,393 |
| Credit loss provision to net charge-offs | 1,352.7778% | 259 |
| Earnings coverage of net charge-offs (x) | 28.8889% | 953 |
| Efficiency ratio | 64.9241% | 5,075 |
| Assets per employee ($millions) | 2.8050% | 6,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1137% | 175 |
| Loan loss allowance to noncurrent loans | 75.0079% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 9.3387% | 442 |
| Noncurrent loans to loans | 6.8175% | 778 |
| Net loans and leases to total assets | 70.9306% | 2,020 |
| Net loans and leases to deposits | 84.5085% | 2,031 |
| Net loans and leases to core deposits | 100.2244% | 1,323 |
| Total domestic deposits to total assets | 83.9332% | 4,379 |
| Equity capital to assets | 15.2955% | 747 |
| Core capital (leverage) ratio | 14.1146% | 847 |
| Tier 1 risk-based capital ratio | 21.0033% | 1,418 |
| Total risk-based capital ratio | 22.3053% | 1,387 |
| Memoranda: | ||
| Average total assets | $66,453,670 | 5,945 |
| Average earning assets | $60,063,330 | 5,956 |
| Average equity | $9,256,670 | 5,252 |
| Average total loans | $53,272,000 | 5,235 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9485% | 3,337 |
| Cost of funding earning assets | 0.9239% | 4,753 |
| Net interest margin | 4.0246% | 2,590 |
| Noninterest income to average assets | 5.8874% | 119 |
| Noninterest expense to average assets | 5.9455% | 202 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 3.6382% | 89 |
| Return on assets (ROA) | 3.6266% | 91 |
| Pretax return on assets | 3.6266% | 121 |
| Return on Equity (ROE) | 27.2326% | 114 |
| Retained earnings to average equity (ytd only) | 27.2326% | 76 |
| Net charge-offs to loans | -0.6474% | 7,444 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0376% | 5,673 |
| Assets per employee ($millions) | 3.6455% | 4,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7261% | 518 |
| Loan loss allowance to noncurrent loans | 32.7011% | 6,122 |
| Noncurrent assets plus other real estate owned to assets | 8.8300% | 504 |
| Noncurrent loans to loans | 11.3943% | 318 |
| Net loans and leases to total assets | 74.6073% | 1,251 |
| Net loans and leases to deposits | 87.2802% | 1,551 |
| Net loans and leases to core deposits | 110.9641% | 685 |
| Total domestic deposits to total assets | 85.4802% | 3,792 |
| Equity capital to assets | 13.6998% | 1,105 |
| Core capital (leverage) ratio | 13.5397% | 957 |
| Tier 1 risk-based capital ratio | 16.9975% | 2,476 |
| Total risk-based capital ratio | 18.2764% | 2,438 |
| Memoranda: | ||
| Average total assets | $68,825,000 | 5,907 |
| Average earning assets | $63,211,500 | 5,888 |
| Average equity | $9,165,500 | 5,269 |
| Average total loans | $56,842,500 | 5,137 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4584% | 2,443 |
| Cost of funding earning assets | 0.9981% | 5,704 |
| Net interest margin | 4.4602% | 1,321 |
| Noninterest income to average assets | 0.9104% | 1,816 |
| Noninterest expense to average assets | 5.6399% | 279 |
| Loan and lease loss provision to assets | 4.5475% | 102 |
| Net operating income to assets | -5.1243% | 7,541 |
| Return on assets (ROA) | -5.1243% | 7,550 |
| Pretax return on assets | -5.1243% | 7,545 |
| Return on Equity (ROE) | -31.8043% | 7,253 |
| Retained earnings to average equity (ytd only) | -31.8043% | 7,242 |
| Net charge-offs to loans | 4.6007% | 227 |
| Credit loss provision to net charge-offs | 113.2390% | 3,844 |
| Earnings coverage of net charge-offs (x) | -0.1436% | 6,257 |
| Efficiency ratio | 111.3924% | 513 |
| Assets per employee ($millions) | 3.5993% | 4,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1795% | 745 |
| Loan loss allowance to noncurrent loans | 29.5219% | 6,323 |
| Noncurrent assets plus other real estate owned to assets | 9.4508% | 457 |
| Noncurrent loans to loans | 10.7701% | 364 |
| Net loans and leases to total assets | 84.9604% | 242 |
| Net loans and leases to deposits | 107.7101% | 277 |
| Net loans and leases to core deposits | 121.1776% | 499 |
| Total domestic deposits to total assets | 78.8787% | 6,109 |
| Equity capital to assets | 12.9295% | 1,425 |
| Core capital (leverage) ratio | 12.5465% | 1,295 |
| Tier 1 risk-based capital ratio | 14.6600% | 3,444 |
| Total risk-based capital ratio | 15.9335% | 3,397 |
| Memoranda: | ||
| Average total assets | $68,653,800 | 5,919 |
| Average earning assets | $63,920,200 | 5,860 |
| Average equity | $11,061,400 | 4,846 |
| Average total loans | $59,926,200 | 5,075 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4833% | 2,501 |
| Cost of funding earning assets | 1.0134% | 5,876 |
| Net interest margin | 4.4699% | 1,325 |
| Noninterest income to average assets | 0.3124% | 5,653 |
| Noninterest expense to average assets | 4.9824% | 389 |
| Loan and lease loss provision to assets | 2.1497% | 528 |
| Net operating income to assets | -2.6522% | 7,382 |
| Return on assets (ROA) | -2.6522% | 7,402 |
| Pretax return on assets | -2.6522% | 7,353 |
| Return on Equity (ROE) | -15.6903% | 7,130 |
| Retained earnings to average equity (ytd only) | -15.6903% | 7,103 |
| Net charge-offs to loans | 2.3347% | 753 |
| Credit loss provision to net charge-offs | 105.6244% | 4,053 |
| Earnings coverage of net charge-offs (x) | -0.2469% | 6,211 |
| Efficiency ratio | 111.2170% | 505 |
| Assets per employee ($millions) | 3.5500% | 4,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6029% | 1,205 |
| Loan loss allowance to noncurrent loans | 26.0615% | 6,572 |
| Noncurrent assets plus other real estate owned to assets | 8.6577% | 544 |
| Noncurrent loans to loans | 9.9877% | 423 |
| Net loans and leases to total assets | 84.4282% | 304 |
| Net loans and leases to deposits | 109.0783% | 275 |
| Net loans and leases to core deposits | 121.1504% | 575 |
| Total domestic deposits to total assets | 77.4014% | 6,389 |
| Equity capital to assets | 15.3592% | 803 |
| Core capital (leverage) ratio | 16.3485% | 509 |
| Tier 1 risk-based capital ratio | 16.8041% | 2,408 |
| Total risk-based capital ratio | 18.0697% | 2,364 |
| Memoranda: | ||
| Average total assets | $68,720,750 | 5,984 |
| Average earning assets | $64,071,750 | 5,917 |
| Average equity | $11,616,250 | 4,779 |
| Average total loans | $59,905,500 | 5,151 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6216% | 2,060 |
| Cost of funding earning assets | 1.1073% | 5,632 |
| Net interest margin | 4.5143% | 1,175 |
| Noninterest income to average assets | 0.7033% | 2,682 |
| Noninterest expense to average assets | 5.1765% | 331 |
| Loan and lease loss provision to assets | 3.0106% | 323 |
| Net operating income to assets | -3.2607% | 7,541 |
| Return on assets (ROA) | -3.2607% | 7,548 |
| Pretax return on assets | -3.2607% | 7,507 |
| Return on Equity (ROE) | -18.6952% | 7,247 |
| Retained earnings to average equity (ytd only) | -18.6952% | 7,221 |
| Net charge-offs to loans | 3.0594% | 512 |
| Credit loss provision to net charge-offs | 112.6652% | 3,610 |
| Earnings coverage of net charge-offs (x) | -0.0936% | 5,798 |
| Efficiency ratio | 105.0777% | 652 |
| Assets per employee ($millions) | 3.4411% | 5,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8422% | 964 |
| Loan loss allowance to noncurrent loans | 27.9784% | 6,488 |
| Noncurrent assets plus other real estate owned to assets | 10.4816% | 362 |
| Noncurrent loans to loans | 10.1584% | 436 |
| Net loans and leases to total assets | 86.6888% | 184 |
| Net loans and leases to deposits | 111.6522% | 237 |
| Net loans and leases to core deposits | 117.3652% | 789 |
| Total domestic deposits to total assets | 77.6418% | 6,355 |
| Equity capital to assets | 17.0401% | 520 |
| Core capital (leverage) ratio | 16.5360% | 489 |
| Tier 1 risk-based capital ratio | 18.0419% | 1,950 |
| Total risk-based capital ratio | 19.3088% | 1,913 |
| Memoranda: | ||
| Average total assets | $67,961,000 | 6,040 |
| Average earning assets | $63,575,670 | 5,969 |
| Average equity | $11,853,330 | 4,719 |
| Average total loans | $59,358,670 | 5,208 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6075% | 2,120 |
| Cost of funding earning assets | 1.1831% | 5,493 |
| Net interest margin | 4.4244% | 1,320 |
| Noninterest income to average assets | 1.2650% | 769 |
| Noninterest expense to average assets | 5.0714% | 349 |
| Loan and lease loss provision to assets | 0.2657% | 3,898 |
| Net operating income to assets | 0.0751% | 6,095 |
| Return on assets (ROA) | 0.0751% | 6,203 |
| Pretax return on assets | 0.0751% | 6,200 |
| Return on Equity (ROE) | 0.4259% | 6,297 |
| Retained earnings to average equity (ytd only) | 0.4259% | 5,664 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7033% | 1,151 |
| Assets per employee ($millions) | 3.4875% | 5,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6550% | 1,120 |
| Loan loss allowance to noncurrent loans | 25.6580% | 6,699 |
| Noncurrent assets plus other real estate owned to assets | 9.3822% | 452 |
| Noncurrent loans to loans | 10.3475% | 403 |
| Net loans and leases to total assets | 83.5295% | 421 |
| Net loans and leases to deposits | 102.9565% | 589 |
| Net loans and leases to core deposits | 112.1094% | 1,157 |
| Total domestic deposits to total assets | 81.1309% | 5,407 |
| Equity capital to assets | 17.5314% | 468 |
| Core capital (leverage) ratio | 17.2240% | 435 |
| Tier 1 risk-based capital ratio | 19.1054% | 1,695 |
| Total risk-based capital ratio | 20.3705% | 1,660 |
| Memoranda: | ||
| Average total assets | $69,251,000 | 6,066 |
| Average earning assets | $64,913,000 | 6,003 |
| Average equity | $12,209,500 | 4,658 |
| Average total loans | $59,870,000 | 5,255 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6556% | 3,325 |
| Cost of funding earning assets | 1.8970% | 3,477 |
| Net interest margin | 3.7585% | 3,881 |
| Noninterest income to average assets | 0.6232% | 3,468 |
| Noninterest expense to average assets | 4.8014% | 608 |
| Loan and lease loss provision to assets | 4.6015% | 251 |
| Net operating income to assets | -5.2814% | 7,782 |
| Return on assets (ROA) | -5.2814% | 7,770 |
| Pretax return on assets | -5.2814% | 7,739 |
| Return on Equity (ROE) | -23.4217% | 7,247 |
| Retained earnings to average equity (ytd only) | -23.4217% | 7,218 |
| Net charge-offs to loans | 4.0736% | 400 |
| Credit loss provision to net charge-offs | 137.8595% | 3,566 |
| Earnings coverage of net charge-offs (x) | -0.2037% | 6,449 |
| Efficiency ratio | 116.4948% | 662 |
| Assets per employee ($millions) | 3.1251% | 5,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5764% | 1,142 |
| Loan loss allowance to noncurrent loans | 25.8849% | 6,743 |
| Noncurrent assets plus other real estate owned to assets | 9.2171% | 433 |
| Noncurrent loans to loans | 9.9532% | 417 |
| Net loans and leases to total assets | 84.8647% | 363 |
| Net loans and leases to deposits | 103.9646% | 648 |
| Net loans and leases to core deposits | 139.8571% | 819 |
| Total domestic deposits to total assets | 81.6284% | 5,096 |
| Equity capital to assets | 17.7316% | 471 |
| Core capital (leverage) ratio | 17.8346% | 420 |
| Tier 1 risk-based capital ratio | 18.6222% | 1,731 |
| Total risk-based capital ratio | 19.8854% | 1,695 |
| Memoranda: | ||
| Average total assets | $63,544,200 | 6,215 |
| Average earning assets | $59,145,200 | 6,156 |
| Average equity | $14,328,600 | 4,185 |
| Average total loans | $52,067,000 | 5,585 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7604% | 3,059 |
| Cost of funding earning assets | 2.0438% | 3,149 |
| Net interest margin | 3.7166% | 4,003 |
| Noninterest income to average assets | 0.6019% | 3,685 |
| Noninterest expense to average assets | 4.9462% | 506 |
| Loan and lease loss provision to assets | 2.7248% | 579 |
| Net operating income to assets | -3.6138% | 7,702 |
| Return on assets (ROA) | -3.6138% | 7,704 |
| Pretax return on assets | -3.6138% | 7,625 |
| Return on Equity (ROE) | -15.1334% | 7,196 |
| Retained earnings to average equity (ytd only) | -15.1334% | 7,142 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.9113% | 564 |
| Assets per employee ($millions) | 3.4674% | 5,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8244% | 330 |
| Loan loss allowance to noncurrent loans | 76.5893% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 4.3303% | 1,423 |
| Noncurrent loans to loans | 4.9934% | 1,333 |
| Net loans and leases to total assets | 72.9610% | 2,806 |
| Net loans and leases to deposits | 92.0096% | 2,229 |
| Net loans and leases to core deposits | 121.8970% | 2,080 |
| Total domestic deposits to total assets | 79.2972% | 5,696 |
| Equity capital to assets | 19.9371% | 344 |
| Core capital (leverage) ratio | 20.3449% | 294 |
| Tier 1 risk-based capital ratio | 23.0880% | 1,101 |
| Total risk-based capital ratio | 24.3638% | 1,067 |
| Memoranda: | ||
| Average total assets | $62,242,000 | 6,309 |
| Average earning assets | $57,864,750 | 6,260 |
| Average equity | $14,863,000 | 4,123 |
| Average total loans | $50,111,250 | 5,710 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8251% | 2,931 |
| Cost of funding earning assets | 2.0989% | 3,270 |
| Net interest margin | 3.7262% | 3,852 |
| Noninterest income to average assets | 0.6681% | 3,208 |
| Noninterest expense to average assets | 5.2611% | 435 |
| Loan and lease loss provision to assets | 0.3307% | 3,952 |
| Net operating income to assets | -1.4664% | 7,228 |
| Return on assets (ROA) | -1.4664% | 7,234 |
| Pretax return on assets | -1.4664% | 7,074 |
| Return on Equity (ROE) | -5.7730% | 6,685 |
| Retained earnings to average equity (ytd only) | -5.7730% | 6,414 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.5304% | 544 |
| Assets per employee ($millions) | 3.0487% | 6,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6471% | 2,539 |
| Loan loss allowance to noncurrent loans | 31.9011% | 6,338 |
| Noncurrent assets plus other real estate owned to assets | 4.9301% | 1,091 |
| Noncurrent loans to loans | 5.1630% | 1,165 |
| Net loans and leases to total assets | 82.1675% | 930 |
| Net loans and leases to deposits | 110.3646% | 538 |
| Net loans and leases to core deposits | 149.4675% | 672 |
| Total domestic deposits to total assets | 74.4510% | 6,876 |
| Equity capital to assets | 24.6683% | 209 |
| Core capital (leverage) ratio | 25.3531% | 198 |
| Tier 1 risk-based capital ratio | 26.3304% | 829 |
| Total risk-based capital ratio | 27.5839% | 804 |
| Memoranda: | ||
| Average total assets | $59,873,330 | 6,451 |
| Average earning assets | $55,552,330 | 6,410 |
| Average equity | $15,208,670 | 4,078 |
| Average total loans | $49,278,670 | 5,798 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5729% | 4,508 |
| Cost of funding earning assets | 2.2146% | 3,096 |
| Net interest margin | 3.3583% | 5,294 |
| Noninterest income to average assets | 0.9912% | 1,508 |
| Noninterest expense to average assets | 5.3200% | 396 |
| Loan and lease loss provision to assets | 0.6473% | 1,958 |
| Net operating income to assets | -1.8677% | 7,621 |
| Return on assets (ROA) | -1.8677% | 7,623 |
| Pretax return on assets | -1.8677% | 7,494 |
| Return on Equity (ROE) | -7.2454% | 7,172 |
| Retained earnings to average equity (ytd only) | -7.2454% | 6,824 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.7697% | 508 |
| Assets per employee ($millions) | 3.1373% | 5,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6653% | 2,256 |
| Loan loss allowance to noncurrent loans | 43.0928% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 3.9457% | 1,308 |
| Noncurrent loans to loans | 3.8644% | 1,584 |
| Net loans and leases to total assets | 82.8164% | 882 |
| Net loans and leases to deposits | 112.3819% | 506 |
| Net loans and leases to core deposits | 132.2457% | 1,519 |
| Total domestic deposits to total assets | 73.6919% | 6,937 |
| Equity capital to assets | 25.4492% | 216 |
| Core capital (leverage) ratio | 25.8640% | 212 |
| Tier 1 risk-based capital ratio | 24.7661% | 1,002 |
| Total risk-based capital ratio | 26.0183% | 977 |
| Memoranda: | ||
| Average total assets | $59,323,500 | 6,494 |
| Average earning assets | $54,908,500 | 6,464 |
| Average equity | $15,292,500 | 4,084 |
| Average total loans | $48,448,500 | 5,859 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9628% | 5,739 |
| Cost of funding earning assets | 1.5700% | 7,499 |
| Net interest margin | 4.3928% | 1,704 |
| Noninterest income to average assets | 0.4551% | 5,002 |
| Noninterest expense to average assets | 7.6668% | 242 |
| Loan and lease loss provision to assets | 1.6263% | 800 |
| Net operating income to assets | -4.7902% | 8,071 |
| Return on assets (ROA) | -4.7902% | 8,056 |
| Pretax return on assets | -4.7902% | 7,998 |
| Return on Equity (ROE) | -12.2308% | 7,439 |
| Retained earnings to average equity (ytd only) | -12.2308% | 7,262 |
| Net charge-offs to loans | 0.0792% | 5,631 |
| Credit loss provision to net charge-offs | 2,952.1739% | 167 |
| Earnings coverage of net charge-offs (x) | -57.4348% | 6,991 |
| Efficiency ratio | 170.2660% | 280 |
| Assets per employee ($millions) | 2.8113% | 6,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5848% | 2,308 |
| Loan loss allowance to noncurrent loans | 40.5036% | 6,023 |
| Noncurrent assets plus other real estate owned to assets | 3.7925% | 1,127 |
| Noncurrent loans to loans | 3.9126% | 1,259 |
| Net loans and leases to total assets | 77.8397% | 2,183 |
| Net loans and leases to deposits | 106.6118% | 1,072 |
| Net loans and leases to core deposits | 127.0072% | 2,083 |
| Total domestic deposits to total assets | 73.0123% | 6,829 |
| Equity capital to assets | 26.1103% | 243 |
| Core capital (leverage) ratio | 28.4399% | 204 |
| Tier 1 risk-based capital ratio | 26.7047% | 846 |
| Total risk-based capital ratio | 27.9554% | 827 |
| Memoranda: | ||
| Average total assets | $41,751,600 | 7,141 |
| Average earning assets | $38,472,000 | 7,113 |
| Average equity | $16,352,200 | 3,854 |
| Average total loans | $29,056,200 | 6,768 |