Home > Mitchell Bank > Performance and Condition Ratios
Mitchell Bank, Performance and Condition Ratios
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9068% | 4,792 |
| Cost of funding earning assets | 0.0523% | 4,981 |
| Net interest margin | 2.8546% | 4,252 |
| Noninterest income to average assets | 0.4072% | 3,043 |
| Noninterest expense to average assets | 2.9481% | 1,570 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.0953% | 4,707 |
| Return on assets (ROA) | 0.0953% | 4,732 |
| Pretax return on assets | 0.1340% | 4,700 |
| Return on Equity (ROE) | 0.5740% | 4,744 |
| Retained earnings to average equity (ytd only) | 0.5740% | 4,367 |
| Net charge-offs to loans | 0.1356% | 1,069 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 3.2500% | 2,924 |
| Efficiency ratio | 95.6522% | 234 |
| Assets per employee ($millions) | 2.8703% | 4,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1095% | 3,157 |
| Loan loss allowance to noncurrent loans | 817.3913% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.4860% | 2,251 |
| Noncurrent loans to loans | 0.1357% | 3,839 |
| Net loans and leases to total assets | 29.1891% | 4,842 |
| Net loans and leases to deposits | 34.3685% | 4,850 |
| Net loans and leases to core deposits | 34.3685% | 4,867 |
| Total domestic deposits to total assets | 84.9299% | 2,474 |
| Equity capital to assets | 15.0091% | 635 |
| Core capital (leverage) ratio | 15.1055% | 525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 62.0416% | 57 |
| Memoranda: | ||
| Average total assets | $51,738,500 | 4,650 |
| Average earning assets | $48,482,250 | 4,630 |
| Average equity | $8,593,750 | 4,378 |
| Average total loans | $15,737,500 | 4,824 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1440% | 4,760 |
| Cost of funding earning assets | 0.0686% | 5,009 |
| Net interest margin | 3.0754% | 3,956 |
| Noninterest income to average assets | 0.4052% | 3,046 |
| Noninterest expense to average assets | 3.1294% | 1,287 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.1083% | 4,678 |
| Return on assets (ROA) | 0.1083% | 4,707 |
| Pretax return on assets | 0.1525% | 4,679 |
| Return on Equity (ROE) | 0.6289% | 4,733 |
| Retained earnings to average equity (ytd only) | 0.6289% | 4,178 |
| Net charge-offs to loans | 0.1826% | 828 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 2.7143% | 2,741 |
| Efficiency ratio | 95.3545% | 261 |
| Assets per employee ($millions) | 2.8083% | 4,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1035% | 3,031 |
| Loan loss allowance to noncurrent loans | 760.0000% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.7290% | 1,686 |
| Noncurrent loans to loans | 0.1452% | 3,876 |
| Net loans and leases to total assets | 31.9127% | 4,819 |
| Net loans and leases to deposits | 38.0803% | 4,833 |
| Net loans and leases to core deposits | 38.0803% | 4,852 |
| Total domestic deposits to total assets | 83.8037% | 2,816 |
| Equity capital to assets | 16.1288% | 457 |
| Core capital (leverage) ratio | 16.2918% | 406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 60.4798% | 52 |
| Memoranda: | ||
| Average total assets | $49,849,667 | 4,692 |
| Average earning assets | $46,628,333 | 4,680 |
| Average equity | $8,586,333 | 4,394 |
| Average total loans | $15,335,333 | 4,859 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0712% | 4,923 |
| Cost of funding earning assets | 0.1071% | 5,034 |
| Net interest margin | 2.9640% | 4,343 |
| Noninterest income to average assets | 0.4242% | 2,941 |
| Noninterest expense to average assets | 3.2020% | 1,417 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.0166% | 4,760 |
| Return on assets (ROA) | -0.0166% | 4,751 |
| Pretax return on assets | -0.0166% | 4,741 |
| Return on Equity (ROE) | -0.0933% | 4,747 |
| Retained earnings to average equity (ytd only) | -0.0933% | 4,003 |
| Net charge-offs to loans | -0.0278% | 4,443 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5222% | 229 |
| Assets per employee ($millions) | 2.3310% | 4,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3798% | 1,772 |
| Loan loss allowance to noncurrent loans | 488.0952% | 983 |
| Noncurrent assets plus other real estate owned to assets | 1.0848% | 1,203 |
| Noncurrent loans to loans | 0.2827% | 3,480 |
| Net loans and leases to total assets | 29.9320% | 4,912 |
| Net loans and leases to deposits | 36.3240% | 4,904 |
| Net loans and leases to core deposits | 36.3240% | 4,923 |
| Total domestic deposits to total assets | 82.4028% | 3,295 |
| Equity capital to assets | 17.5175% | 393 |
| Core capital (leverage) ratio | 17.4659% | 368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.1791% | 73 |
| Memoranda: | ||
| Average total assets | $48,095,500 | 4,741 |
| Average earning assets | $44,804,000 | 4,727 |
| Average equity | $8,576,500 | 4,412 |
| Average total loans | $14,394,000 | 4,916 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6999% | 4,678 |
| Cost of funding earning assets | 0.1469% | 5,052 |
| Net interest margin | 3.5530% | 3,280 |
| Noninterest income to average assets | 0.7471% | 1,639 |
| Noninterest expense to average assets | 3.4323% | 1,056 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4395% | 4,520 |
| Return on assets (ROA) | 0.4395% | 4,554 |
| Pretax return on assets | 0.6048% | 4,402 |
| Return on Equity (ROE) | 2.4564% | 4,750 |
| Retained earnings to average equity (ytd only) | -0.2924% | 4,740 |
| Net charge-offs to loans | -0.0065% | 4,378 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0181% | 600 |
| Assets per employee ($millions) | 2.3620% | 5,043 |
| Cash dividends to net income (ytd only)* | 111.9048% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4644% | 1,330 |
| Loan loss allowance to noncurrent loans | 463.6364% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 1.2934% | 858 |
| Noncurrent loans to loans | 0.3158% | 3,304 |
| Net loans and leases to total assets | 29.0580% | 4,983 |
| Net loans and leases to deposits | 35.5511% | 4,981 |
| Net loans and leases to core deposits | 35.5511% | 4,999 |
| Total domestic deposits to total assets | 81.7358% | 3,578 |
| Equity capital to assets | 18.1583% | 355 |
| Core capital (leverage) ratio | 17.0520% | 407 |
| Tier 1 risk-based capital ratio | 59.8981% | 92 |
| Total risk-based capital ratio | 61.1499% | 92 |
| Memoranda: | ||
| Average total assets | $47,781,800 | 4,787 |
| Average earning assets | $44,244,600 | 4,780 |
| Average equity | $8,549,000 | 4,439 |
| Average total loans | $15,363,200 | 4,959 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7566% | 4,719 |
| Cost of funding earning assets | 0.1475% | 5,128 |
| Net interest margin | 3.6091% | 3,224 |
| Noninterest income to average assets | 0.6873% | 1,839 |
| Noninterest expense to average assets | 3.4225% | 1,048 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4369% | 4,645 |
| Return on assets (ROA) | 0.4369% | 4,679 |
| Pretax return on assets | 0.6010% | 4,543 |
| Return on Equity (ROE) | 2.4507% | 4,849 |
| Retained earnings to average equity (ytd only) | -0.6712% | 4,827 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0622% | 548 |
| Assets per employee ($millions) | 2.3254% | 5,118 |
| Cash dividends to net income (ytd only)* | 127.3874% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4558% | 1,376 |
| Loan loss allowance to noncurrent loans | 422.9167% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 1.4170% | 811 |
| Noncurrent loans to loans | 0.3442% | 3,302 |
| Net loans and leases to total assets | 28.1382% | 5,085 |
| Net loans and leases to deposits | 34.1578% | 5,088 |
| Net loans and leases to core deposits | 34.1578% | 5,103 |
| Total domestic deposits to total assets | 82.3770% | 3,365 |
| Equity capital to assets | 17.5288% | 432 |
| Core capital (leverage) ratio | 17.0345% | 439 |
| Tier 1 risk-based capital ratio | 60.0556% | 94 |
| Total risk-based capital ratio | 61.3061% | 92 |
| Memoranda: | ||
| Average total assets | $47,917,250 | 4,852 |
| Average earning assets | $44,294,250 | 4,848 |
| Average equity | $8,541,750 | 4,488 |
| Average total loans | $15,721,250 | 5,027 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7946% | 4,714 |
| Cost of funding earning assets | 0.1410% | 5,178 |
| Net interest margin | 3.6536% | 3,093 |
| Noninterest income to average assets | 0.7771% | 1,421 |
| Noninterest expense to average assets | 3.5580% | 891 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4327% | 4,668 |
| Return on assets (ROA) | 0.4327% | 4,693 |
| Pretax return on assets | 0.5923% | 4,557 |
| Return on Equity (ROE) | 2.4134% | 4,886 |
| Retained earnings to average equity (ytd only) | -2.2728% | 4,931 |
| Net charge-offs to loans | 0.0123% | 2,698 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 141.0000% | 520 |
| Efficiency ratio | 85.7287% | 561 |
| Assets per employee ($millions) | 2.2851% | 5,173 |
| Cash dividends to net income (ytd only)* | 194.1748% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 2,225 |
| Loan loss allowance to noncurrent loans | 396.0784% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 1.4483% | 790 |
| Noncurrent loans to loans | 0.3170% | 3,400 |
| Net loans and leases to total assets | 33.1083% | 5,047 |
| Net loans and leases to deposits | 40.2830% | 5,044 |
| Net loans and leases to core deposits | 40.2830% | 5,078 |
| Total domestic deposits to total assets | 82.1893% | 3,460 |
| Equity capital to assets | 17.7253% | 408 |
| Core capital (leverage) ratio | 16.8529% | 447 |
| Tier 1 risk-based capital ratio | 51.1249% | 126 |
| Total risk-based capital ratio | 52.3720% | 126 |
| Memoranda: | ||
| Average total assets | $47,611,670 | 4,897 |
| Average earning assets | $43,956,670 | 4,897 |
| Average equity | $8,535,670 | 4,512 |
| Average total loans | $16,313,670 | 5,060 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7780% | 4,739 |
| Cost of funding earning assets | 0.1274% | 5,247 |
| Net interest margin | 3.6505% | 3,073 |
| Noninterest income to average assets | 0.9784% | 863 |
| Noninterest expense to average assets | 3.5510% | 905 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5904% | 4,275 |
| Return on assets (ROA) | 0.5904% | 4,306 |
| Pretax return on assets | 0.8097% | 4,016 |
| Return on Equity (ROE) | 3.2747% | 4,726 |
| Retained earnings to average equity (ytd only) | -4.9120% | 4,920 |
| Net charge-offs to loans | 0.0487% | 1,586 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 1,052 |
| Efficiency ratio | 81.4313% | 930 |
| Assets per employee ($millions) | 2.1818% | 5,248 |
| Cash dividends to net income (ytd only)* | 250.0000% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 2,407 |
| Loan loss allowance to noncurrent loans | 365.4545% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 1.7938% | 590 |
| Noncurrent loans to loans | 0.3376% | 3,368 |
| Net loans and leases to total assets | 33.5250% | 5,082 |
| Net loans and leases to deposits | 40.7836% | 5,067 |
| Net loans and leases to core deposits | 40.7836% | 5,099 |
| Total domestic deposits to total assets | 82.2021% | 3,676 |
| Equity capital to assets | 17.7042% | 374 |
| Core capital (leverage) ratio | 17.3430% | 395 |
| Tier 1 risk-based capital ratio | 50.2280% | 126 |
| Total risk-based capital ratio | 51.4668% | 125 |
| Memoranda: | ||
| Average total assets | $47,423,500 | 4,947 |
| Average earning assets | $43,939,000 | 4,944 |
| Average equity | $8,550,500 | 4,533 |
| Average total loans | $16,425,500 | 5,116 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5303% | 4,887 |
| Cost of funding earning assets | 0.1064% | 5,276 |
| Net interest margin | 3.4239% | 3,928 |
| Noninterest income to average assets | 1.0974% | 771 |
| Noninterest expense to average assets | 3.7817% | 703 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9363% | 3,299 |
| Return on assets (ROA) | 0.9363% | 3,293 |
| Pretax return on assets | 0.4651% | 4,849 |
| Return on Equity (ROE) | 5.5523% | 4,307 |
| Retained earnings to average equity (ytd only) | 5.5523% | 2,456 |
| Net charge-offs to loans | -0.0172% | 4,653 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0490% | 385 |
| Assets per employee ($millions) | 2.1294% | 5,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 2,430 |
| Loan loss allowance to noncurrent loans | 338.3333% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 1.8486% | 546 |
| Noncurrent loans to loans | 0.3624% | 3,238 |
| Net loans and leases to total assets | 34.9115% | 5,100 |
| Net loans and leases to deposits | 42.8265% | 5,054 |
| Net loans and leases to core deposits | 42.8265% | 5,106 |
| Total domestic deposits to total assets | 81.5186% | 3,785 |
| Equity capital to assets | 18.3640% | 315 |
| Core capital (leverage) ratio | 17.3749% | 374 |
| Tier 1 risk-based capital ratio | 50.2526% | 132 |
| Total risk-based capital ratio | 51.4884% | 127 |
| Memoranda: | ||
| Average total assets | $49,025,200 | 4,953 |
| Average earning assets | $45,095,400 | 4,953 |
| Average equity | $8,266,800 | 4,564 |
| Average total loans | $17,428,800 | 5,137 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4611% | 4,967 |
| Cost of funding earning assets | 0.0996% | 5,354 |
| Net interest margin | 3.3615% | 4,132 |
| Noninterest income to average assets | 1.2534% | 612 |
| Noninterest expense to average assets | 3.8410% | 636 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1539% | 2,425 |
| Return on assets (ROA) | 1.1539% | 2,433 |
| Pretax return on assets | 0.5003% | 4,905 |
| Return on Equity (ROE) | 6.9902% | 3,936 |
| Retained earnings to average equity (ytd only) | 6.9902% | 2,131 |
| Net charge-offs to loans | -0.0151% | 4,525 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4758% | 384 |
| Assets per employee ($millions) | 2.2857% | 5,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 2,576 |
| Loan loss allowance to noncurrent loans | 320.6349% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 2.0438% | 518 |
| Noncurrent loans to loans | 0.3771% | 3,301 |
| Net loans and leases to total assets | 34.3882% | 5,193 |
| Net loans and leases to deposits | 41.9264% | 5,155 |
| Net loans and leases to core deposits | 41.9264% | 5,200 |
| Total domestic deposits to total assets | 82.0205% | 3,601 |
| Equity capital to assets | 17.8629% | 348 |
| Core capital (leverage) ratio | 17.3102% | 385 |
| Tier 1 risk-based capital ratio | 49.7520% | 132 |
| Total risk-based capital ratio | 50.9738% | 131 |
| Memoranda: | ||
| Average total assets | $49,569,750 | 4,997 |
| Average earning assets | $45,533,750 | 4,994 |
| Average equity | $8,182,750 | 4,625 |
| Average total loans | $17,646,500 | 5,191 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4247% | 5,010 |
| Cost of funding earning assets | 0.1002% | 5,409 |
| Net interest margin | 3.3245% | 4,180 |
| Noninterest income to average assets | 0.3993% | 3,492 |
| Noninterest expense to average assets | 4.5715% | 280 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -1.1259% | 5,481 |
| Return on assets (ROA) | -1.1259% | 5,474 |
| Pretax return on assets | -1.1259% | 5,472 |
| Return on Equity (ROE) | -7.0042% | 5,459 |
| Retained earnings to average equity (ytd only) | -7.0042% | 5,360 |
| Net charge-offs to loans | -0.0223% | 4,609 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.6767% | 46 |
| Assets per employee ($millions) | 2.3637% | 5,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 2,953 |
| Loan loss allowance to noncurrent loans | 310.7692% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 2.4014% | 375 |
| Noncurrent loans to loans | 0.3719% | 3,361 |
| Net loans and leases to total assets | 34.8080% | 5,214 |
| Net loans and leases to deposits | 41.4122% | 5,208 |
| Net loans and leases to core deposits | 41.4122% | 5,254 |
| Total domestic deposits to total assets | 84.0525% | 3,048 |
| Equity capital to assets | 15.8407% | 524 |
| Core capital (leverage) ratio | 16.0584% | 482 |
| Tier 1 risk-based capital ratio | 43.8094% | 188 |
| Total risk-based capital ratio | 44.9514% | 184 |
| Memoranda: | ||
| Average total assets | $50,093,330 | 5,045 |
| Average earning assets | $45,901,670 | 5,046 |
| Average equity | $8,052,330 | 4,688 |
| Average total loans | $17,959,330 | 5,239 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1930% | 5,239 |
| Cost of funding earning assets | 0.1047% | 5,451 |
| Net interest margin | 3.0883% | 4,723 |
| Noninterest income to average assets | 0.8426% | 1,324 |
| Noninterest expense to average assets | 3.6247% | 847 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0318% | 5,367 |
| Return on assets (ROA) | 0.0318% | 5,364 |
| Pretax return on assets | 0.0318% | 5,372 |
| Return on Equity (ROE) | 0.1964% | 5,373 |
| Retained earnings to average equity (ytd only) | 0.1964% | 4,778 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1304% | 187 |
| Assets per employee ($millions) | 2.2819% | 5,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 3,179 |
| Loan loss allowance to noncurrent loans | 78.4314% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 4.4560% | 122 |
| Noncurrent loans to loans | 1.4465% | 1,226 |
| Net loans and leases to total assets | 34.7177% | 5,246 |
| Net loans and leases to deposits | 41.5045% | 5,234 |
| Net loans and leases to core deposits | 41.5045% | 5,277 |
| Total domestic deposits to total assets | 83.6481% | 3,453 |
| Equity capital to assets | 16.2324% | 468 |
| Core capital (leverage) ratio | 16.0194% | 487 |
| Tier 1 risk-based capital ratio | 42.8419% | 197 |
| Total risk-based capital ratio | 43.9083% | 196 |
| Memoranda: | ||
| Average total assets | $50,321,000 | 5,104 |
| Average earning assets | $45,850,500 | 5,112 |
| Average equity | $8,147,000 | 4,721 |
| Average total loans | $18,199,000 | 5,291 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1773% | 5,219 |
| Cost of funding earning assets | 0.1194% | 5,418 |
| Net interest margin | 3.0579% | 4,774 |
| Noninterest income to average assets | 1.3498% | 575 |
| Noninterest expense to average assets | 3.7437% | 744 |
| Loan and lease loss provision to assets | 0.0695% | 2,809 |
| Net operating income to assets | 0.1826% | 5,141 |
| Return on assets (ROA) | 0.1826% | 5,155 |
| Pretax return on assets | 0.2819% | 5,225 |
| Return on Equity (ROE) | 1.1360% | 5,218 |
| Retained earnings to average equity (ytd only) | 0.7038% | 4,758 |
| Net charge-offs to loans | 0.3122% | 814 |
| Credit loss provision to net charge-offs | 58.3333% | 3,234 |
| Earnings coverage of net charge-offs (x) | 2.9500% | 3,669 |
| Efficiency ratio | 91.4203% | 368 |
| Assets per employee ($millions) | 2.4019% | 5,491 |
| Cash dividends to net income (ytd only)* | 38.0435% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 3,518 |
| Loan loss allowance to noncurrent loans | 74.3494% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 4.6531% | 111 |
| Noncurrent loans to loans | 1.4332% | 1,197 |
| Net loans and leases to total assets | 36.8140% | 5,261 |
| Net loans and leases to deposits | 44.0180% | 5,247 |
| Net loans and leases to core deposits | 44.0180% | 5,293 |
| Total domestic deposits to total assets | 83.6340% | 3,342 |
| Equity capital to assets | 16.1479% | 495 |
| Core capital (leverage) ratio | 15.8433% | 490 |
| Tier 1 risk-based capital ratio | 40.6356% | 207 |
| Total risk-based capital ratio | 41.6477% | 206 |
| Memoranda: | ||
| Average total assets | $50,377,600 | 5,148 |
| Average earning assets | $45,227,400 | 5,166 |
| Average equity | $8,098,800 | 4,769 |
| Average total loans | $19,218,800 | 5,333 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1417% | 5,295 |
| Cost of funding earning assets | 0.1213% | 5,469 |
| Net interest margin | 3.0204% | 4,876 |
| Noninterest income to average assets | 1.0881% | 860 |
| Noninterest expense to average assets | 3.6958% | 769 |
| Loan and lease loss provision to assets | 0.0927% | 2,234 |
| Net operating income to assets | 0.0026% | 5,511 |
| Return on assets (ROA) | 0.0026% | 5,517 |
| Pretax return on assets | 0.0026% | 5,509 |
| Return on Equity (ROE) | 0.0164% | 5,518 |
| Retained earnings to average equity (ytd only) | 0.0164% | 5,204 |
| Net charge-offs to loans | 0.4138% | 508 |
| Credit loss provision to net charge-offs | 58.3333% | 2,824 |
| Earnings coverage of net charge-offs (x) | 0.6000% | 3,651 |
| Efficiency ratio | 97.4860% | 213 |
| Assets per employee ($millions) | 2.4064% | 5,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 3,932 |
| Loan loss allowance to noncurrent loans | 54.3478% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 5.9227% | 70 |
| Noncurrent loans to loans | 1.8861% | 926 |
| Net loans and leases to total assets | 38.2139% | 5,258 |
| Net loans and leases to deposits | 45.5803% | 5,268 |
| Net loans and leases to core deposits | 45.5803% | 5,325 |
| Total domestic deposits to total assets | 83.8386% | 3,179 |
| Equity capital to assets | 16.0070% | 546 |
| Core capital (leverage) ratio | 15.6853% | 540 |
| Tier 1 risk-based capital ratio | 37.9975% | 256 |
| Total risk-based capital ratio | 38.9658% | 259 |
| Memoranda: | ||
| Average total assets | $50,362,000 | 5,203 |
| Average earning assets | $45,069,750 | 5,225 |
| Average equity | $8,087,250 | 4,829 |
| Average total loans | $19,331,250 | 5,388 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0983% | 5,348 |
| Cost of funding earning assets | 0.1204% | 5,506 |
| Net interest margin | 2.9780% | 4,958 |
| Noninterest income to average assets | 1.1092% | 815 |
| Noninterest expense to average assets | 3.7690% | 698 |
| Loan and lease loss provision to assets | 0.0318% | 3,362 |
| Net operating income to assets | -0.0358% | 5,568 |
| Return on assets (ROA) | -0.0358% | 5,570 |
| Pretax return on assets | -0.0358% | 5,563 |
| Return on Equity (ROE) | -0.2226% | 5,564 |
| Retained earnings to average equity (ytd only) | -0.2226% | 5,111 |
| Net charge-offs to loans | 0.0830% | 1,778 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | -0.1250% | 3,416 |
| Efficiency ratio | 100.1056% | 186 |
| Assets per employee ($millions) | 2.2835% | 5,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 3,316 |
| Loan loss allowance to noncurrent loans | 44.7316% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 6.2265% | 68 |
| Noncurrent loans to loans | 2.5704% | 568 |
| Net loans and leases to total assets | 38.5055% | 5,285 |
| Net loans and leases to deposits | 45.9707% | 5,281 |
| Net loans and leases to core deposits | 45.9707% | 5,341 |
| Total domestic deposits to total assets | 83.7610% | 3,303 |
| Equity capital to assets | 16.0818% | 525 |
| Core capital (leverage) ratio | 15.8529% | 494 |
| Tier 1 risk-based capital ratio | 37.4182% | 253 |
| Total risk-based capital ratio | 38.4924% | 255 |
| Memoranda: | ||
| Average total assets | $50,304,670 | 5,242 |
| Average earning assets | $44,862,670 | 5,269 |
| Average equity | $8,086,670 | 4,845 |
| Average total loans | $19,271,330 | 5,432 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0531% | 5,407 |
| Cost of funding earning assets | 0.1250% | 5,529 |
| Net interest margin | 2.9281% | 5,030 |
| Noninterest income to average assets | 1.2396% | 666 |
| Noninterest expense to average assets | 3.7506% | 724 |
| Loan and lease loss provision to assets | 0.0636% | 2,533 |
| Net operating income to assets | 0.0318% | 5,586 |
| Return on assets (ROA) | 0.0318% | 5,592 |
| Pretax return on assets | 0.0318% | 5,586 |
| Return on Equity (ROE) | 0.1978% | 5,594 |
| Retained earnings to average equity (ytd only) | 0.1978% | 4,872 |
| Net charge-offs to loans | 0.1673% | 973 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 1.5000% | 2,720 |
| Efficiency ratio | 97.5207% | 281 |
| Assets per employee ($millions) | 2.2997% | 5,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 3,229 |
| Loan loss allowance to noncurrent loans | 43.6893% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 6.4790% | 68 |
| Noncurrent loans to loans | 2.7105% | 556 |
| Net loans and leases to total assets | 37.1091% | 5,363 |
| Net loans and leases to deposits | 44.2754% | 5,358 |
| Net loans and leases to core deposits | 44.2754% | 5,406 |
| Total domestic deposits to total assets | 83.8143% | 3,544 |
| Equity capital to assets | 15.9960% | 501 |
| Core capital (leverage) ratio | 16.1677% | 445 |
| Tier 1 risk-based capital ratio | 38.2968% | 249 |
| Total risk-based capital ratio | 39.3942% | 250 |
| Memoranda: | ||
| Average total assets | $50,338,500 | 5,303 |
| Average earning assets | $44,807,000 | 5,325 |
| Average equity | $8,090,500 | 4,885 |
| Average total loans | $19,122,500 | 5,493 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3672% | 5,043 |
| Cost of funding earning assets | 0.1310% | 5,540 |
| Net interest margin | 3.2362% | 4,340 |
| Noninterest income to average assets | 1.6468% | 440 |
| Noninterest expense to average assets | 4.2533% | 465 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2231% | 5,375 |
| Return on assets (ROA) | 0.2231% | 5,438 |
| Pretax return on assets | 0.2231% | 5,472 |
| Return on Equity (ROE) | 1.3936% | 5,505 |
| Retained earnings to average equity (ytd only) | 1.3936% | 4,715 |
| Net charge-offs to loans | 1.5169% | 92 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 0.3657% | 4,109 |
| Efficiency ratio | 95.0154% | 346 |
| Assets per employee ($millions) | 2.2765% | 5,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 3,313 |
| Loan loss allowance to noncurrent loans | 32.4675% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 7.3897% | 56 |
| Noncurrent loans to loans | 3.6009% | 326 |
| Net loans and leases to total assets | 37.9770% | 5,405 |
| Net loans and leases to deposits | 45.4252% | 5,387 |
| Net loans and leases to core deposits | 45.4252% | 5,452 |
| Total domestic deposits to total assets | 83.6032% | 3,570 |
| Equity capital to assets | 16.1492% | 479 |
| Core capital (leverage) ratio | 15.6430% | 509 |
| Tier 1 risk-based capital ratio | 37.1966% | 269 |
| Total risk-based capital ratio | 38.2632% | 271 |
| Memoranda: | ||
| Average total assets | $50,643,200 | 5,332 |
| Average earning assets | $44,280,200 | 5,370 |
| Average equity | $8,108,400 | 4,917 |
| Average total loans | $20,371,000 | 5,509 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3909% | 5,045 |
| Cost of funding earning assets | 0.1325% | 5,598 |
| Net interest margin | 3.2584% | 4,322 |
| Noninterest income to average assets | 1.9061% | 372 |
| Noninterest expense to average assets | 4.2927% | 449 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4542% | 4,860 |
| Return on assets (ROA) | 0.4542% | 4,943 |
| Pretax return on assets | 0.4542% | 5,222 |
| Return on Equity (ROE) | 2.8429% | 5,260 |
| Retained earnings to average equity (ytd only) | 2.8429% | 4,191 |
| Net charge-offs to loans | 1.4397% | 97 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 0.7758% | 3,758 |
| Efficiency ratio | 90.4314% | 542 |
| Assets per employee ($millions) | 2.2162% | 5,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5794% | 1,539 |
| Loan loss allowance to noncurrent loans | 50.3236% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 7.5061% | 65 |
| Noncurrent loans to loans | 3.1385% | 458 |
| Net loans and leases to total assets | 38.0209% | 5,467 |
| Net loans and leases to deposits | 45.3779% | 5,477 |
| Net loans and leases to core deposits | 45.3779% | 5,536 |
| Total domestic deposits to total assets | 83.7872% | 3,278 |
| Equity capital to assets | 15.9872% | 555 |
| Core capital (leverage) ratio | 15.6874% | 532 |
| Tier 1 risk-based capital ratio | 37.1163% | 283 |
| Total risk-based capital ratio | 38.3742% | 279 |
| Memoranda: | ||
| Average total assets | $50,783,250 | 5,382 |
| Average earning assets | $44,274,500 | 5,429 |
| Average equity | $8,113,500 | 4,964 |
| Average total loans | $20,652,500 | 5,553 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2423% | 5,375 |
| Cost of funding earning assets | 0.1319% | 5,676 |
| Net interest margin | 3.1104% | 4,803 |
| Noninterest income to average assets | 2.3541% | 274 |
| Noninterest expense to average assets | 4.3178% | 438 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7334% | 3,636 |
| Return on assets (ROA) | 0.7334% | 3,799 |
| Pretax return on assets | 0.7334% | 4,523 |
| Return on Equity (ROE) | 4.5916% | 4,682 |
| Retained earnings to average equity (ytd only) | 4.5916% | 2,982 |
| Net charge-offs to loans | 2.3459% | 61 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 0.7561% | 3,488 |
| Efficiency ratio | 85.4801% | 925 |
| Assets per employee ($millions) | 2.1111% | 5,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4813% | 1,934 |
| Loan loss allowance to noncurrent loans | 45.4259% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 9.3276% | 53 |
| Noncurrent loans to loans | 3.2610% | 428 |
| Net loans and leases to total assets | 37.8037% | 5,521 |
| Net loans and leases to deposits | 45.2076% | 5,521 |
| Net loans and leases to core deposits | 45.2076% | 5,587 |
| Total domestic deposits to total assets | 83.6225% | 3,412 |
| Equity capital to assets | 16.1091% | 526 |
| Core capital (leverage) ratio | 15.7953% | 488 |
| Tier 1 risk-based capital ratio | 35.9783% | 310 |
| Total risk-based capital ratio | 37.2362% | 304 |
| Memoranda: | ||
| Average total assets | $50,720,330 | 5,445 |
| Average earning assets | $43,981,000 | 5,497 |
| Average equity | $8,101,670 | 5,007 |
| Average total loans | $20,973,000 | 5,600 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2369% | 5,433 |
| Cost of funding earning assets | 0.1349% | 5,719 |
| Net interest margin | 3.1020% | 4,858 |
| Noninterest income to average assets | 3.1135% | 196 |
| Noninterest expense to average assets | 4.3352% | 441 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4976% | 857 |
| Return on assets (ROA) | 1.4976% | 900 |
| Pretax return on assets | 1.4976% | 1,594 |
| Return on Equity (ROE) | 9.4158% | 2,230 |
| Retained earnings to average equity (ytd only) | 9.4158% | 994 |
| Net charge-offs to loans | 1.5824% | 108 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.2093% | 2,720 |
| Efficiency ratio | 74.3243% | 2,423 |
| Assets per employee ($millions) | 2.4265% | 5,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1497% | 630 |
| Loan loss allowance to noncurrent loans | 35.0822% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 9.5985% | 56 |
| Noncurrent loans to loans | 6.1276% | 137 |
| Net loans and leases to total assets | 40.0188% | 5,451 |
| Net loans and leases to deposits | 47.7934% | 5,427 |
| Net loans and leases to core deposits | 47.7934% | 5,515 |
| Total domestic deposits to total assets | 83.7330% | 3,627 |
| Equity capital to assets | 16.0256% | 533 |
| Core capital (leverage) ratio | 15.9930% | 469 |
| Tier 1 risk-based capital ratio | 34.3542% | 356 |
| Total risk-based capital ratio | 35.6201% | 351 |
| Memoranda: | ||
| Average total assets | $50,747,000 | 5,492 |
| Average earning assets | $44,487,000 | 5,542 |
| Average equity | $8,071,500 | 5,048 |
| Average total loans | $21,738,500 | 5,621 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6714% | 4,454 |
| Cost of funding earning assets | 0.1482% | 5,695 |
| Net interest margin | 3.5232% | 3,441 |
| Noninterest income to average assets | 1.4072% | 611 |
| Noninterest expense to average assets | 4.2850% | 498 |
| Loan and lease loss provision to assets | 0.0096% | 4,211 |
| Net operating income to assets | 0.1790% | 5,625 |
| Return on assets (ROA) | 0.1790% | 5,676 |
| Pretax return on assets | 0.1790% | 5,709 |
| Return on Equity (ROE) | 1.1748% | 5,743 |
| Retained earnings to average equity (ytd only) | 1.1748% | 5,041 |
| Net charge-offs to loans | 0.4405% | 624 |
| Credit loss provision to net charge-offs | 4.7170% | 3,861 |
| Earnings coverage of net charge-offs (x) | 0.9245% | 4,162 |
| Efficiency ratio | 95.7831% | 406 |
| Assets per employee ($millions) | 2.2972% | 5,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3590% | 478 |
| Loan loss allowance to noncurrent loans | 37.4474% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 9.8401% | 57 |
| Noncurrent loans to loans | 6.2994% | 126 |
| Net loans and leases to total assets | 43.7354% | 5,296 |
| Net loans and leases to deposits | 52.1457% | 5,276 |
| Net loans and leases to core deposits | 52.1457% | 5,407 |
| Total domestic deposits to total assets | 83.8715% | 3,537 |
| Equity capital to assets | 15.7842% | 550 |
| Core capital (leverage) ratio | 14.9920% | 620 |
| Tier 1 risk-based capital ratio | 31.2952% | 454 |
| Total risk-based capital ratio | 32.5660% | 445 |
| Memoranda: | ||
| Average total assets | $51,948,200 | 5,506 |
| Average earning assets | $45,214,400 | 5,550 |
| Average equity | $7,916,000 | 5,079 |
| Average total loans | $24,063,600 | 5,583 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7615% | 4,215 |
| Cost of funding earning assets | 0.1499% | 5,779 |
| Net interest margin | 3.6117% | 3,114 |
| Noninterest income to average assets | 1.2798% | 728 |
| Noninterest expense to average assets | 4.3924% | 441 |
| Loan and lease loss provision to assets | 0.0128% | 4,015 |
| Net operating income to assets | 0.0076% | 5,929 |
| Return on assets (ROA) | 0.0076% | 5,965 |
| Pretax return on assets | 0.0076% | 5,964 |
| Return on Equity (ROE) | 0.0506% | 5,966 |
| Retained earnings to average equity (ytd only) | 0.0506% | 5,581 |
| Net charge-offs to loans | 0.5569% | 411 |
| Credit loss provision to net charge-offs | 4.9020% | 3,486 |
| Earnings coverage of net charge-offs (x) | 0.0785% | 3,986 |
| Efficiency ratio | 99.5378% | 309 |
| Assets per employee ($millions) | 2.3645% | 6,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3591% | 532 |
| Loan loss allowance to noncurrent loans | 37.1034% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 9.9427% | 59 |
| Noncurrent loans to loans | 6.3583% | 120 |
| Net loans and leases to total assets | 42.8063% | 5,438 |
| Net loans and leases to deposits | 50.6321% | 5,440 |
| Net loans and leases to core deposits | 50.6321% | 5,558 |
| Total domestic deposits to total assets | 84.5438% | 3,201 |
| Equity capital to assets | 15.1621% | 703 |
| Core capital (leverage) ratio | 14.7965% | 682 |
| Tier 1 risk-based capital ratio | 30.8221% | 477 |
| Total risk-based capital ratio | 32.0926% | 472 |
| Memoranda: | ||
| Average total assets | $52,300,750 | 5,572 |
| Average earning assets | $45,370,500 | 5,620 |
| Average equity | $7,900,750 | 5,144 |
| Average total loans | $24,420,250 | 5,644 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8200% | 3,991 |
| Cost of funding earning assets | 0.1454% | 5,884 |
| Net interest margin | 3.6746% | 2,818 |
| Noninterest income to average assets | 1.4123% | 637 |
| Noninterest expense to average assets | 4.3974% | 457 |
| Loan and lease loss provision to assets | 0.0191% | 3,751 |
| Net operating income to assets | 0.1794% | 5,741 |
| Return on assets (ROA) | 0.1794% | 5,801 |
| Pretax return on assets | 0.1794% | 5,847 |
| Return on Equity (ROE) | 1.1891% | 5,866 |
| Retained earnings to average equity (ytd only) | 1.1891% | 5,087 |
| Net charge-offs to loans | 0.8013% | 270 |
| Credit loss provision to net charge-offs | 5.0000% | 3,128 |
| Earnings coverage of net charge-offs (x) | 0.5200% | 3,648 |
| Efficiency ratio | 95.6811% | 446 |
| Assets per employee ($millions) | 2.2534% | 6,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2908% | 641 |
| Loan loss allowance to noncurrent loans | 29.9335% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 10.7951% | 56 |
| Noncurrent loans to loans | 7.6528% | 94 |
| Net loans and leases to total assets | 44.4404% | 5,358 |
| Net loans and leases to deposits | 52.7264% | 5,333 |
| Net loans and leases to core deposits | 52.7264% | 5,502 |
| Total domestic deposits to total assets | 84.2849% | 3,457 |
| Equity capital to assets | 15.3042% | 647 |
| Core capital (leverage) ratio | 14.3252% | 755 |
| Tier 1 risk-based capital ratio | 28.4227% | 622 |
| Total risk-based capital ratio | 29.6707% | 612 |
| Memoranda: | ||
| Average total assets | $52,395,000 | 5,630 |
| Average earning assets | $45,393,000 | 5,675 |
| Average equity | $7,905,330 | 5,190 |
| Average total loans | $24,958,670 | 5,663 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7972% | 4,021 |
| Cost of funding earning assets | 0.1498% | 5,922 |
| Net interest margin | 3.6475% | 2,825 |
| Noninterest income to average assets | 1.5870% | 484 |
| Noninterest expense to average assets | 4.6243% | 393 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1063% | 5,861 |
| Return on assets (ROA) | 0.1063% | 5,921 |
| Pretax return on assets | 0.1063% | 5,936 |
| Return on Equity (ROE) | 0.7096% | 5,958 |
| Retained earnings to average equity (ytd only) | 0.7096% | 5,166 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7528% | 438 |
| Assets per employee ($millions) | 2.2330% | 6,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5896% | 469 |
| Loan loss allowance to noncurrent loans | 30.1663% | 5,543 |
| Noncurrent assets plus other real estate owned to assets | 11.4273% | 56 |
| Noncurrent loans to loans | 8.5845% | 84 |
| Net loans and leases to total assets | 44.5709% | 5,303 |
| Net loans and leases to deposits | 52.5244% | 5,303 |
| Net loans and leases to core deposits | 52.5244% | 5,451 |
| Total domestic deposits to total assets | 84.8575% | 3,476 |
| Equity capital to assets | 14.7394% | 770 |
| Core capital (leverage) ratio | 14.3080% | 736 |
| Tier 1 risk-based capital ratio | 25.8215% | 805 |
| Total risk-based capital ratio | 27.0803% | 786 |
| Memoranda: | ||
| Average total assets | $52,678,000 | 5,669 |
| Average earning assets | $45,401,500 | 5,729 |
| Average equity | $7,892,000 | 5,236 |
| Average total loans | $25,651,500 | 5,691 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1293% | 3,209 |
| Cost of funding earning assets | 0.1775% | 5,925 |
| Net interest margin | 3.9518% | 2,046 |
| Noninterest income to average assets | 1.8469% | 387 |
| Noninterest expense to average assets | 4.8880% | 334 |
| Loan and lease loss provision to assets | 0.1562% | 1,681 |
| Net operating income to assets | 0.1153% | 5,929 |
| Return on assets (ROA) | 0.1153% | 5,968 |
| Pretax return on assets | 0.1153% | 5,973 |
| Return on Equity (ROE) | 0.7838% | 5,989 |
| Retained earnings to average equity (ytd only) | 0.7838% | 5,414 |
| Net charge-offs to loans | 0.8239% | 419 |
| Credit loss provision to net charge-offs | 36.5217% | 3,741 |
| Earnings coverage of net charge-offs (x) | 0.6348% | 4,602 |
| Efficiency ratio | 94.7368% | 559 |
| Assets per employee ($millions) | 2.1569% | 6,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3710% | 646 |
| Loan loss allowance to noncurrent loans | 29.6175% | 5,659 |
| Noncurrent assets plus other real estate owned to assets | 12.6417% | 51 |
| Noncurrent loans to loans | 8.0054% | 115 |
| Net loans and leases to total assets | 50.5110% | 4,917 |
| Net loans and leases to deposits | 59.9702% | 4,901 |
| Net loans and leases to core deposits | 59.9702% | 5,144 |
| Total domestic deposits to total assets | 84.2268% | 3,619 |
| Equity capital to assets | 15.2323% | 661 |
| Core capital (leverage) ratio | 13.8981% | 841 |
| Tier 1 risk-based capital ratio | 27.7341% | 627 |
| Total risk-based capital ratio | 28.9964% | 618 |
| Memoranda: | ||
| Average total assets | $53,764,600 | 5,700 |
| Average earning assets | $45,067,800 | 5,796 |
| Average equity | $7,910,600 | 5,227 |
| Average total loans | $27,916,600 | 5,656 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1994% | 2,992 |
| Cost of funding earning assets | 0.1796% | 5,995 |
| Net interest margin | 4.0197% | 1,822 |
| Noninterest income to average assets | 2.0983% | 317 |
| Noninterest expense to average assets | 5.0222% | 304 |
| Loan and lease loss provision to assets | 0.1769% | 1,391 |
| Net operating income to assets | 0.2531% | 5,731 |
| Return on assets (ROA) | 0.2531% | 5,790 |
| Pretax return on assets | 0.2531% | 5,858 |
| Return on Equity (ROE) | 1.7346% | 5,897 |
| Retained earnings to average equity (ytd only) | 1.7346% | 5,182 |
| Net charge-offs to loans | 1.0874% | 269 |
| Credit loss provision to net charge-offs | 31.3043% | 3,435 |
| Earnings coverage of net charge-offs (x) | 0.7609% | 4,321 |
| Efficiency ratio | 92.1136% | 702 |
| Assets per employee ($millions) | 2.4209% | 6,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1973% | 953 |
| Loan loss allowance to noncurrent loans | 28.8961% | 5,759 |
| Noncurrent assets plus other real estate owned to assets | 13.3890% | 49 |
| Noncurrent loans to loans | 7.6041% | 136 |
| Net loans and leases to total assets | 49.8024% | 5,031 |
| Net loans and leases to deposits | 58.4072% | 5,072 |
| Net loans and leases to core deposits | 58.4072% | 5,305 |
| Total domestic deposits to total assets | 85.2676% | 3,234 |
| Equity capital to assets | 14.2331% | 930 |
| Core capital (leverage) ratio | 13.8606% | 879 |
| Tier 1 risk-based capital ratio | 25.5148% | 832 |
| Total risk-based capital ratio | 26.7738% | 818 |
| Memoranda: | ||
| Average total assets | $54,264,500 | 5,751 |
| Average earning assets | $45,275,500 | 5,856 |
| Average equity | $7,917,000 | 5,260 |
| Average total loans | $28,200,250 | 5,695 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4179% | 2,118 |
| Cost of funding earning assets | 0.1835% | 6,045 |
| Net interest margin | 4.2344% | 1,172 |
| Noninterest income to average assets | 2.4501% | 247 |
| Noninterest expense to average assets | 5.0973% | 292 |
| Loan and lease loss provision to assets | 0.1785% | 1,375 |
| Net operating income to assets | 0.6915% | 3,889 |
| Return on assets (ROA) | 0.6915% | 3,977 |
| Pretax return on assets | 0.6915% | 4,668 |
| Return on Equity (ROE) | 4.7003% | 4,818 |
| Retained earnings to average equity (ytd only) | 4.7003% | 3,153 |
| Net charge-offs to loans | 1.0800% | 312 |
| Credit loss provision to net charge-offs | 31.5789% | 3,037 |
| Earnings coverage of net charge-offs (x) | 1.5395% | 3,779 |
| Efficiency ratio | 85.4206% | 1,329 |
| Assets per employee ($millions) | 2.4427% | 6,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4908% | 719 |
| Loan loss allowance to noncurrent loans | 38.4659% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 13.6584% | 48 |
| Noncurrent loans to loans | 6.4753% | 219 |
| Net loans and leases to total assets | 49.3171% | 5,036 |
| Net loans and leases to deposits | 58.2881% | 5,015 |
| Net loans and leases to core deposits | 58.2881% | 5,253 |
| Total domestic deposits to total assets | 84.6092% | 3,684 |
| Equity capital to assets | 14.9032% | 722 |
| Core capital (leverage) ratio | 14.4217% | 726 |
| Tier 1 risk-based capital ratio | 26.9628% | 703 |
| Total risk-based capital ratio | 28.2251% | 691 |
| Memoranda: | ||
| Average total assets | $53,792,670 | 5,814 |
| Average earning assets | $44,681,670 | 5,926 |
| Average equity | $7,914,330 | 5,292 |
| Average total loans | $28,149,330 | 5,738 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5542% | 1,626 |
| Cost of funding earning assets | 0.1886% | 6,088 |
| Net interest margin | 4.3656% | 866 |
| Noninterest income to average assets | 2.7202% | 213 |
| Noninterest expense to average assets | 5.4256% | 251 |
| Loan and lease loss provision to assets | 0.2676% | 781 |
| Net operating income to assets | 0.6392% | 3,998 |
| Return on assets (ROA) | 0.6392% | 4,091 |
| Pretax return on assets | 0.6392% | 4,697 |
| Return on Equity (ROE) | 4.3727% | 4,855 |
| Retained earnings to average equity (ytd only) | 4.3727% | 3,502 |
| Net charge-offs to loans | 0.9639% | 354 |
| Credit loss provision to net charge-offs | 52.1739% | 2,180 |
| Earnings coverage of net charge-offs (x) | 1.7681% | 3,022 |
| Efficiency ratio | 85.6808% | 1,483 |
| Assets per employee ($millions) | 2.3643% | 6,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6293% | 691 |
| Loan loss allowance to noncurrent loans | 44.8441% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 13.4301% | 55 |
| Noncurrent loans to loans | 5.8631% | 315 |
| Net loans and leases to total assets | 50.9416% | 4,803 |
| Net loans and leases to deposits | 59.8811% | 4,774 |
| Net loans and leases to core deposits | 59.8811% | 5,051 |
| Total domestic deposits to total assets | 85.0712% | 3,836 |
| Equity capital to assets | 14.5463% | 778 |
| Core capital (leverage) ratio | 14.7661% | 633 |
| Tier 1 risk-based capital ratio | 25.5723% | 825 |
| Total risk-based capital ratio | 26.8384% | 803 |
| Memoranda: | ||
| Average total assets | $53,819,000 | 5,869 |
| Average earning assets | $44,530,000 | 5,986 |
| Average equity | $7,867,000 | 5,334 |
| Average total loans | $28,634,000 | 5,771 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7923% | 1,337 |
| Cost of funding earning assets | 0.2336% | 6,070 |
| Net interest margin | 4.5587% | 657 |
| Noninterest income to average assets | 1.6035% | 556 |
| Noninterest expense to average assets | 5.5303% | 240 |
| Loan and lease loss provision to assets | 0.2566% | 1,402 |
| Net operating income to assets | -0.3581% | 6,443 |
| Return on assets (ROA) | -0.3581% | 6,456 |
| Pretax return on assets | -0.3581% | 6,442 |
| Return on Equity (ROE) | -2.5370% | 6,401 |
| Retained earnings to average equity (ytd only) | -2.5370% | 6,223 |
| Net charge-offs to loans | 0.9111% | 668 |
| Credit loss provision to net charge-offs | 49.1468% | 3,840 |
| Earnings coverage of net charge-offs (x) | -0.1945% | 5,143 |
| Efficiency ratio | 101.8707% | 428 |
| Assets per employee ($millions) | 2.2192% | 6,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7100% | 659 |
| Loan loss allowance to noncurrent loans | 41.6090% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 14.7240% | 52 |
| Noncurrent loans to loans | 6.5131% | 282 |
| Net loans and leases to total assets | 52.6436% | 4,769 |
| Net loans and leases to deposits | 62.3067% | 4,691 |
| Net loans and leases to core deposits | 62.3067% | 5,033 |
| Total domestic deposits to total assets | 84.4912% | 3,968 |
| Equity capital to assets | 14.6902% | 741 |
| Core capital (leverage) ratio | 14.0423% | 816 |
| Tier 1 risk-based capital ratio | 24.6917% | 888 |
| Total risk-based capital ratio | 25.9574% | 874 |
| Memoranda: | ||
| Average total assets | $56,127,400 | 5,866 |
| Average earning assets | $47,096,400 | 5,962 |
| Average equity | $7,922,600 | 5,357 |
| Average total loans | $32,160,600 | 5,659 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4417% | 2,452 |
| Cost of funding earning assets | 0.2392% | 6,162 |
| Net interest margin | 4.2025% | 1,326 |
| Noninterest income to average assets | 1.7545% | 505 |
| Noninterest expense to average assets | 5.5659% | 245 |
| Loan and lease loss provision to assets | 0.2533% | 1,409 |
| Net operating income to assets | -0.5207% | 6,607 |
| Return on assets (ROA) | -0.5207% | 6,619 |
| Pretax return on assets | -0.5207% | 6,606 |
| Return on Equity (ROE) | -3.7244% | 6,557 |
| Retained earnings to average equity (ytd only) | -3.7244% | 6,418 |
| Net charge-offs to loans | -0.0202% | 6,045 |
| Credit loss provision to net charge-offs | -2,160.0000% | 6,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0465% | 348 |
| Assets per employee ($millions) | 2.3210% | 6,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2900% | 418 |
| Loan loss allowance to noncurrent loans | 34.2304% | 5,839 |
| Noncurrent assets plus other real estate owned to assets | 13.2825% | 68 |
| Noncurrent loans to loans | 9.6114% | 151 |
| Net loans and leases to total assets | 55.0381% | 4,452 |
| Net loans and leases to deposits | 64.9280% | 4,417 |
| Net loans and leases to core deposits | 65.2889% | 4,774 |
| Total domestic deposits to total assets | 84.7680% | 3,852 |
| Equity capital to assets | 14.0077% | 962 |
| Core capital (leverage) ratio | 13.1744% | 1,138 |
| Tier 1 risk-based capital ratio | 23.0458% | 1,134 |
| Total risk-based capital ratio | 24.3212% | 1,120 |
| Memoranda: | ||
| Average total assets | $56,844,250 | 5,907 |
| Average earning assets | $47,938,250 | 6,009 |
| Average equity | $7,947,250 | 5,404 |
| Average total loans | $32,996,000 | 5,680 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4670% | 2,325 |
| Cost of funding earning assets | 0.2539% | 6,146 |
| Net interest margin | 4.2130% | 1,244 |
| Noninterest income to average assets | 1.8768% | 488 |
| Noninterest expense to average assets | 5.6585% | 243 |
| Loan and lease loss provision to assets | 0.2516% | 1,474 |
| Net operating income to assets | -0.4963% | 6,630 |
| Return on assets (ROA) | -0.4963% | 6,649 |
| Pretax return on assets | -0.4963% | 6,627 |
| Return on Equity (ROE) | -3.5521% | 6,600 |
| Retained earnings to average equity (ytd only) | -3.5521% | 6,359 |
| Net charge-offs to loans | -0.0179% | 5,942 |
| Credit loss provision to net charge-offs | -2,400.0000% | 6,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5190% | 375 |
| Assets per employee ($millions) | 2.3246% | 6,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0307% | 569 |
| Loan loss allowance to noncurrent loans | 28.9792% | 6,055 |
| Noncurrent assets plus other real estate owned to assets | 14.6854% | 65 |
| Noncurrent loans to loans | 10.4581% | 143 |
| Net loans and leases to total assets | 57.6376% | 4,040 |
| Net loans and leases to deposits | 68.3850% | 3,954 |
| Net loans and leases to core deposits | 68.7667% | 4,423 |
| Total domestic deposits to total assets | 84.2839% | 4,209 |
| Equity capital to assets | 14.1316% | 927 |
| Core capital (leverage) ratio | 13.0377% | 1,148 |
| Tier 1 risk-based capital ratio | 21.9794% | 1,284 |
| Total risk-based capital ratio | 23.2512% | 1,262 |
| Memoranda: | ||
| Average total assets | $57,224,000 | 5,935 |
| Average earning assets | $48,041,670 | 6,041 |
| Average equity | $7,995,330 | 5,430 |
| Average total loans | $33,427,330 | 5,689 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4954% | 2,186 |
| Cost of funding earning assets | 0.2712% | 6,151 |
| Net interest margin | 4.2242% | 1,129 |
| Noninterest income to average assets | 2.1608% | 389 |
| Noninterest expense to average assets | 5.1432% | 339 |
| Loan and lease loss provision to assets | 0.2485% | 1,452 |
| Net operating income to assets | 0.3176% | 5,505 |
| Return on assets (ROA) | 0.3176% | 5,635 |
| Pretax return on assets | 0.3176% | 5,820 |
| Return on Equity (ROE) | 2.2854% | 5,849 |
| Retained earnings to average equity (ytd only) | 2.2854% | 4,878 |
| Net charge-offs to loans | -0.0119% | 5,504 |
| Credit loss provision to net charge-offs | -3,600.0000% | 5,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0846% | 1,143 |
| Assets per employee ($millions) | 2.4608% | 6,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9002% | 731 |
| Loan loss allowance to noncurrent loans | 29.0740% | 6,059 |
| Noncurrent assets plus other real estate owned to assets | 13.9234% | 94 |
| Noncurrent loans to loans | 9.9754% | 209 |
| Net loans and leases to total assets | 54.8181% | 4,271 |
| Net loans and leases to deposits | 64.7733% | 4,215 |
| Net loans and leases to core deposits | 65.5510% | 4,583 |
| Total domestic deposits to total assets | 84.6306% | 4,212 |
| Equity capital to assets | 13.6694% | 1,152 |
| Core capital (leverage) ratio | 13.2688% | 1,022 |
| Tier 1 risk-based capital ratio | 22.3575% | 1,267 |
| Total risk-based capital ratio | 23.6280% | 1,244 |
| Memoranda: | ||
| Average total assets | $57,941,000 | 5,966 |
| Average earning assets | $48,672,000 | 6,079 |
| Average equity | $8,051,000 | 5,471 |
| Average total loans | $33,560,500 | 5,723 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1925% | 1,131 |
| Cost of funding earning assets | 0.3938% | 5,960 |
| Net interest margin | 4.7987% | 539 |
| Noninterest income to average assets | 1.0241% | 1,468 |
| Noninterest expense to average assets | 5.1550% | 345 |
| Loan and lease loss provision to assets | -1.4275% | 7,076 |
| Net operating income to assets | 1.2879% | 1,340 |
| Return on assets (ROA) | 1.2879% | 1,490 |
| Pretax return on assets | 1.2879% | 2,461 |
| Return on Equity (ROE) | 9.7514% | 2,287 |
| Retained earnings to average equity (ytd only) | 9.7514% | 645 |
| Net charge-offs to loans | 0.1639% | 4,064 |
| Credit loss provision to net charge-offs | -1,314.2857% | 6,608 |
| Earnings coverage of net charge-offs (x) | -1.2857% | 5,782 |
| Efficiency ratio | 102.7845% | 472 |
| Assets per employee ($millions) | 2.3676% | 6,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7532% | 872 |
| Loan loss allowance to noncurrent loans | 25.1080% | 6,248 |
| Noncurrent assets plus other real estate owned to assets | 16.0938% | 66 |
| Noncurrent loans to loans | 10.9654% | 189 |
| Net loans and leases to total assets | 57.8093% | 4,013 |
| Net loans and leases to deposits | 68.9482% | 3,844 |
| Net loans and leases to core deposits | 69.4306% | 4,382 |
| Total domestic deposits to total assets | 83.8446% | 4,387 |
| Equity capital to assets | 14.1298% | 995 |
| Core capital (leverage) ratio | 12.9250% | 1,140 |
| Tier 1 risk-based capital ratio | 21.5292% | 1,354 |
| Total risk-based capital ratio | 22.7973% | 1,323 |
| Memoranda: | ||
| Average total assets | $58,001,600 | 5,974 |
| Average earning assets | $48,242,200 | 6,113 |
| Average equity | $7,660,400 | 5,595 |
| Average total loans | $38,449,600 | 5,568 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4072% | 825 |
| Cost of funding earning assets | 0.4068% | 6,082 |
| Net interest margin | 5.0004% | 405 |
| Noninterest income to average assets | 0.4689% | 4,144 |
| Noninterest expense to average assets | 4.9173% | 380 |
| Loan and lease loss provision to assets | -1.9761% | 7,177 |
| Net operating income to assets | 1.6879% | 695 |
| Return on assets (ROA) | 1.6879% | 778 |
| Pretax return on assets | 1.6879% | 1,299 |
| Return on Equity (ROE) | 13.0014% | 1,334 |
| Retained earnings to average equity (ytd only) | 13.0014% | 395 |
| Net charge-offs to loans | -0.1985% | 6,987 |
| Credit loss provision to net charge-offs | 1,464.4068% | 190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.2253% | 374 |
| Assets per employee ($millions) | 2.4328% | 6,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7698% | 911 |
| Loan loss allowance to noncurrent loans | 91.7796% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 12.0162% | 164 |
| Noncurrent loans to loans | 3.0179% | 1,848 |
| Net loans and leases to total assets | 61.0828% | 3,557 |
| Net loans and leases to deposits | 72.4633% | 3,539 |
| Net loans and leases to core deposits | 72.9525% | 4,130 |
| Total domestic deposits to total assets | 84.2947% | 4,080 |
| Equity capital to assets | 13.7391% | 1,257 |
| Core capital (leverage) ratio | 13.0773% | 1,158 |
| Tier 1 risk-based capital ratio | 20.1560% | 1,718 |
| Total risk-based capital ratio | 21.4253% | 1,685 |
| Memoranda: | ||
| Average total assets | $58,296,250 | 6,031 |
| Average earning assets | $48,502,000 | 6,179 |
| Average equity | $7,568,250 | 5,676 |
| Average total loans | $39,617,250 | 5,595 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5354% | 672 |
| Cost of funding earning assets | 0.4277% | 6,112 |
| Net interest margin | 5.1077% | 332 |
| Noninterest income to average assets | 1.5069% | 641 |
| Noninterest expense to average assets | 6.3434% | 190 |
| Loan and lease loss provision to assets | -3.0893% | 7,245 |
| Net operating income to assets | 2.5161% | 168 |
| Return on assets (ROA) | 2.5161% | 194 |
| Pretax return on assets | 2.5161% | 292 |
| Return on Equity (ROE) | 19.7654% | 370 |
| Retained earnings to average equity (ytd only) | 19.7654% | 110 |
| Net charge-offs to loans | -0.6799% | 7,162 |
| Credit loss provision to net charge-offs | 652.1739% | 490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.9346% | 331 |
| Assets per employee ($millions) | 2.3948% | 6,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6876% | 1,047 |
| Loan loss allowance to noncurrent loans | 56.5403% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 11.3493% | 204 |
| Noncurrent loans to loans | 4.7534% | 1,070 |
| Net loans and leases to total assets | 66.7142% | 2,521 |
| Net loans and leases to deposits | 78.7028% | 2,561 |
| Net loans and leases to core deposits | 79.2379% | 3,331 |
| Total domestic deposits to total assets | 84.7673% | 3,964 |
| Equity capital to assets | 13.9504% | 1,115 |
| Core capital (leverage) ratio | 13.9252% | 823 |
| Tier 1 risk-based capital ratio | 19.6926% | 1,787 |
| Total risk-based capital ratio | 20.9592% | 1,749 |
| Memoranda: | ||
| Average total assets | $58,265,670 | 6,069 |
| Average earning assets | $48,632,330 | 6,210 |
| Average equity | $7,417,000 | 5,736 |
| Average total loans | $40,596,000 | 5,574 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4952% | 762 |
| Cost of funding earning assets | 0.4771% | 5,966 |
| Net interest margin | 5.0181% | 389 |
| Noninterest income to average assets | 1.3979% | 737 |
| Noninterest expense to average assets | 7.9235% | 116 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -2.3661% | 7,181 |
| Return on assets (ROA) | -2.3661% | 7,186 |
| Pretax return on assets | -2.3661% | 7,169 |
| Return on Equity (ROE) | -19.5040% | 7,106 |
| Retained earnings to average equity (ytd only) | -19.5040% | 7,040 |
| Net charge-offs to loans | -1.3303% | 7,233 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.5767% | 124 |
| Assets per employee ($millions) | 2.4067% | 6,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8028% | 202 |
| Loan loss allowance to noncurrent loans | 103.0526% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 10.9244% | 252 |
| Noncurrent loans to loans | 4.6605% | 1,229 |
| Net loans and leases to total assets | 64.5027% | 2,760 |
| Net loans and leases to deposits | 74.5758% | 3,032 |
| Net loans and leases to core deposits | 75.4163% | 3,699 |
| Total domestic deposits to total assets | 86.4928% | 3,249 |
| Equity capital to assets | 11.5377% | 2,406 |
| Core capital (leverage) ratio | 11.8711% | 1,661 |
| Tier 1 risk-based capital ratio | 16.6976% | 2,813 |
| Total risk-based capital ratio | 17.9896% | 2,750 |
| Memoranda: | ||
| Average total assets | $58,661,000 | 6,102 |
| Average earning assets | $48,624,000 | 6,254 |
| Average equity | $7,116,500 | 5,833 |
| Average total loans | $41,192,500 | 5,589 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6555% | 858 |
| Cost of funding earning assets | 0.6112% | 6,041 |
| Net interest margin | 5.0443% | 374 |
| Noninterest income to average assets | 1.3703% | 682 |
| Noninterest expense to average assets | 5.3572% | 285 |
| Loan and lease loss provision to assets | 1.9037% | 332 |
| Net operating income to assets | -1.6770% | 6,953 |
| Return on assets (ROA) | -1.6770% | 6,970 |
| Pretax return on assets | -1.6770% | 6,936 |
| Return on Equity (ROE) | -12.9194% | 6,835 |
| Retained earnings to average equity (ytd only) | -12.9194% | 6,809 |
| Net charge-offs to loans | 2.2830% | 551 |
| Credit loss provision to net charge-offs | 111.6746% | 2,975 |
| Earnings coverage of net charge-offs (x) | 0.1330% | 5,732 |
| Efficiency ratio | 95.9392% | 822 |
| Assets per employee ($millions) | 2.1982% | 7,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3756% | 281 |
| Loan loss allowance to noncurrent loans | 84.8951% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 13.2082% | 172 |
| Noncurrent loans to loans | 5.1541% | 1,077 |
| Net loans and leases to total assets | 69.6294% | 2,106 |
| Net loans and leases to deposits | 82.0519% | 2,189 |
| Net loans and leases to core deposits | 83.0415% | 3,017 |
| Total domestic deposits to total assets | 84.8602% | 3,922 |
| Equity capital to assets | 12.7568% | 1,622 |
| Core capital (leverage) ratio | 12.2096% | 1,487 |
| Tier 1 risk-based capital ratio | 17.2956% | 2,468 |
| Total risk-based capital ratio | 18.5843% | 2,421 |
| Memoranda: | ||
| Average total assets | $61,301,200 | 6,003 |
| Average earning assets | $51,206,600 | 6,154 |
| Average equity | $7,957,000 | 5,585 |
| Average total loans | $45,772,600 | 5,432 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6769% | 883 |
| Cost of funding earning assets | 0.6231% | 6,164 |
| Net interest margin | 5.0538% | 374 |
| Noninterest income to average assets | 1.4458% | 633 |
| Noninterest expense to average assets | 5.4476% | 266 |
| Loan and lease loss provision to assets | 2.3933% | 190 |
| Net operating income to assets | -2.1624% | 7,163 |
| Return on assets (ROA) | -2.1624% | 7,173 |
| Pretax return on assets | -2.1624% | 7,153 |
| Return on Equity (ROE) | -16.5935% | 7,047 |
| Retained earnings to average equity (ytd only) | -16.5935% | 7,025 |
| Net charge-offs to loans | 3.6486% | 202 |
| Credit loss provision to net charge-offs | 87.3536% | 3,876 |
| Earnings coverage of net charge-offs (x) | 0.0843% | 5,542 |
| Efficiency ratio | 95.9322% | 826 |
| Assets per employee ($millions) | 2.2986% | 7,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5216% | 555 |
| Loan loss allowance to noncurrent loans | 41.1513% | 5,561 |
| Noncurrent assets plus other real estate owned to assets | 15.0243% | 131 |
| Noncurrent loans to loans | 8.5577% | 491 |
| Net loans and leases to total assets | 70.4583% | 1,989 |
| Net loans and leases to deposits | 82.0483% | 2,347 |
| Net loans and leases to core deposits | 82.9796% | 3,193 |
| Total domestic deposits to total assets | 85.8742% | 3,288 |
| Equity capital to assets | 12.2333% | 2,069 |
| Core capital (leverage) ratio | 11.9967% | 1,711 |
| Tier 1 risk-based capital ratio | 16.6161% | 2,803 |
| Total risk-based capital ratio | 17.8947% | 2,753 |
| Memoranda: | ||
| Average total assets | $62,338,000 | 6,023 |
| Average earning assets | $52,210,250 | 6,162 |
| Average equity | $8,123,500 | 5,560 |
| Average total loans | $46,811,500 | 5,438 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7276% | 832 |
| Cost of funding earning assets | 0.6356% | 6,296 |
| Net interest margin | 5.0920% | 336 |
| Noninterest income to average assets | 1.5001% | 572 |
| Noninterest expense to average assets | 4.7788% | 446 |
| Loan and lease loss provision to assets | 0.9336% | 950 |
| Net operating income to assets | 0.0728% | 6,075 |
| Return on assets (ROA) | 0.0728% | 6,155 |
| Pretax return on assets | 0.0728% | 6,144 |
| Return on Equity (ROE) | 0.5480% | 6,180 |
| Retained earnings to average equity (ytd only) | 0.5480% | 5,635 |
| Net charge-offs to loans | 2.0891% | 628 |
| Credit loss provision to net charge-offs | 59.0000% | 4,365 |
| Earnings coverage of net charge-offs (x) | 0.6360% | 4,824 |
| Efficiency ratio | 82.6039% | 2,010 |
| Assets per employee ($millions) | 2.3038% | 7,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3195% | 694 |
| Loan loss allowance to noncurrent loans | 39.7870% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 15.4379% | 134 |
| Noncurrent loans to loans | 8.3431% | 523 |
| Net loans and leases to total assets | 72.6452% | 1,655 |
| Net loans and leases to deposits | 86.6310% | 1,697 |
| Net loans and leases to core deposits | 87.1934% | 2,742 |
| Total domestic deposits to total assets | 83.8559% | 4,409 |
| Equity capital to assets | 13.9370% | 1,116 |
| Core capital (leverage) ratio | 13.2008% | 1,087 |
| Tier 1 risk-based capital ratio | 18.3996% | 2,044 |
| Total risk-based capital ratio | 19.6747% | 1,984 |
| Memoranda: | ||
| Average total assets | $63,196,330 | 6,042 |
| Average earning assets | $53,181,330 | 6,177 |
| Average equity | $8,394,330 | 5,494 |
| Average total loans | $47,867,000 | 5,443 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8218% | 709 |
| Cost of funding earning assets | 0.6469% | 6,393 |
| Net interest margin | 5.1749% | 262 |
| Noninterest income to average assets | 0.8574% | 1,827 |
| Noninterest expense to average assets | 3.8615% | 1,229 |
| Loan and lease loss provision to assets | 0.2591% | 3,067 |
| Net operating income to assets | 1.1288% | 1,740 |
| Return on assets (ROA) | 1.1288% | 1,786 |
| Pretax return on assets | 1.1288% | 2,650 |
| Return on Equity (ROE) | 8.6962% | 2,610 |
| Retained earnings to average equity (ytd only) | 8.6962% | 1,493 |
| Net charge-offs to loans | 2.5559% | 438 |
| Credit loss provision to net charge-offs | 13.3333% | 4,352 |
| Earnings coverage of net charge-offs (x) | 0.7143% | 4,101 |
| Efficiency ratio | 73.5605% | 3,601 |
| Assets per employee ($millions) | 2.4733% | 7,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9832% | 932 |
| Loan loss allowance to noncurrent loans | 34.0741% | 6,018 |
| Noncurrent assets plus other real estate owned to assets | 14.8107% | 164 |
| Noncurrent loans to loans | 8.7550% | 522 |
| Net loans and leases to total assets | 72.1173% | 1,698 |
| Net loans and leases to deposits | 87.1383% | 1,573 |
| Net loans and leases to core deposits | 87.6704% | 2,648 |
| Total domestic deposits to total assets | 82.7618% | 5,007 |
| Equity capital to assets | 13.2291% | 1,288 |
| Core capital (leverage) ratio | 13.1138% | 1,088 |
| Tier 1 risk-based capital ratio | 17.5364% | 2,276 |
| Total risk-based capital ratio | 18.8075% | 2,235 |
| Memoranda: | ||
| Average total assets | $64,845,500 | 6,035 |
| Average earning assets | $55,034,500 | 6,160 |
| Average equity | $8,417,500 | 5,484 |
| Average total loans | $49,297,000 | 5,428 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5282% | 2,168 |
| Cost of funding earning assets | 0.8904% | 6,201 |
| Net interest margin | 4.6378% | 932 |
| Noninterest income to average assets | 1.1793% | 1,068 |
| Noninterest expense to average assets | 4.4278% | 698 |
| Loan and lease loss provision to assets | 1.7796% | 779 |
| Net operating income to assets | -0.9378% | 6,644 |
| Return on assets (ROA) | -0.9378% | 6,681 |
| Pretax return on assets | -0.9378% | 6,594 |
| Return on Equity (ROE) | -7.4498% | 6,580 |
| Retained earnings to average equity (ytd only) | -7.4498% | 6,488 |
| Net charge-offs to loans | 1.8489% | 1,125 |
| Credit loss provision to net charge-offs | 126.6332% | 3,197 |
| Earnings coverage of net charge-offs (x) | 0.5990% | 5,504 |
| Efficiency ratio | 84.0257% | 1,918 |
| Assets per employee ($millions) | 2.4217% | 7,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3449% | 660 |
| Loan loss allowance to noncurrent loans | 25.1071% | 6,595 |
| Noncurrent assets plus other real estate owned to assets | 16.8935% | 120 |
| Noncurrent loans to loans | 13.3227% | 217 |
| Net loans and leases to total assets | 75.0834% | 1,458 |
| Net loans and leases to deposits | 98.3789% | 688 |
| Net loans and leases to core deposits | 99.0178% | 1,701 |
| Total domestic deposits to total assets | 76.3206% | 6,593 |
| Equity capital to assets | 12.7367% | 1,506 |
| Core capital (leverage) ratio | 12.0225% | 1,533 |
| Tier 1 risk-based capital ratio | 16.6416% | 2,486 |
| Total risk-based capital ratio | 17.9185% | 2,433 |
| Memoranda: | ||
| Average total assets | $70,802,800 | 5,861 |
| Average earning assets | $62,443,200 | 5,906 |
| Average equity | $8,913,000 | 5,448 |
| Average total loans | $53,816,600 | 5,324 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5739% | 2,162 |
| Cost of funding earning assets | 0.9494% | 6,178 |
| Net interest margin | 4.6244% | 997 |
| Noninterest income to average assets | 0.7484% | 2,514 |
| Noninterest expense to average assets | 3.7048% | 1,553 |
| Loan and lease loss provision to assets | 1.0163% | 1,453 |
| Net operating income to assets | 0.0869% | 5,801 |
| Return on assets (ROA) | 0.0869% | 5,944 |
| Pretax return on assets | 0.1312% | 5,865 |
| Return on Equity (ROE) | 0.6918% | 5,971 |
| Retained earnings to average equity (ytd only) | 0.6918% | 5,524 |
| Net charge-offs to loans | 1.1874% | 1,718 |
| Credit loss provision to net charge-offs | 113.1687% | 3,709 |
| Earnings coverage of net charge-offs (x) | 1.2778% | 4,798 |
| Efficiency ratio | 76.3519% | 2,882 |
| Assets per employee ($millions) | 2.6203% | 6,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8040% | 999 |
| Loan loss allowance to noncurrent loans | 18.6713% | 6,956 |
| Noncurrent assets plus other real estate owned to assets | 15.6655% | 134 |
| Noncurrent loans to loans | 15.0179% | 163 |
| Net loans and leases to total assets | 73.3943% | 1,933 |
| Net loans and leases to deposits | 89.1845% | 1,837 |
| Net loans and leases to core deposits | 90.1804% | 3,072 |
| Total domestic deposits to total assets | 82.2949% | 4,875 |
| Equity capital to assets | 12.7721% | 1,698 |
| Core capital (leverage) ratio | 12.3769% | 1,469 |
| Tier 1 risk-based capital ratio | 17.2505% | 2,262 |
| Total risk-based capital ratio | 18.5196% | 2,214 |
| Memoranda: | ||
| Average total assets | $72,157,000 | 5,874 |
| Average earning assets | $64,035,000 | 5,919 |
| Average equity | $9,059,250 | 5,475 |
| Average total loans | $54,572,500 | 5,364 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4974% | 2,523 |
| Cost of funding earning assets | 1.0012% | 6,136 |
| Net interest margin | 4.4962% | 1,218 |
| Noninterest income to average assets | 0.4847% | 4,239 |
| Noninterest expense to average assets | 3.7424% | 1,468 |
| Loan and lease loss provision to assets | 0.7986% | 1,812 |
| Net operating income to assets | -0.0330% | 6,121 |
| Return on assets (ROA) | -0.0330% | 6,213 |
| Pretax return on assets | -0.0496% | 6,198 |
| Return on Equity (ROE) | -0.2647% | 6,214 |
| Retained earnings to average equity (ytd only) | -0.2647% | 5,788 |
| Net charge-offs to loans | 1.5795% | 1,200 |
| Credit loss provision to net charge-offs | 66.8203% | 5,053 |
| Earnings coverage of net charge-offs (x) | 0.6267% | 5,111 |
| Efficiency ratio | 83.3231% | 1,995 |
| Assets per employee ($millions) | 2.4738% | 7,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4368% | 1,384 |
| Loan loss allowance to noncurrent loans | 15.8166% | 7,118 |
| Noncurrent assets plus other real estate owned to assets | 15.3152% | 135 |
| Noncurrent loans to loans | 15.4067% | 156 |
| Net loans and leases to total assets | 71.9943% | 2,405 |
| Net loans and leases to deposits | 87.4042% | 2,278 |
| Net loans and leases to core deposits | 87.8786% | 3,562 |
| Total domestic deposits to total assets | 82.3694% | 4,843 |
| Equity capital to assets | 12.6249% | 1,728 |
| Core capital (leverage) ratio | 12.4416% | 1,425 |
| Tier 1 risk-based capital ratio | 17.4472% | 2,120 |
| Total risk-based capital ratio | 18.7122% | 2,075 |
| Memoranda: | ||
| Average total assets | $72,626,670 | 5,903 |
| Average earning assets | $64,721,670 | 5,935 |
| Average equity | $9,067,000 | 5,484 |
| Average total loans | $54,955,670 | 5,383 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6155% | 2,090 |
| Cost of funding earning assets | 1.0548% | 6,119 |
| Net interest margin | 4.5607% | 1,025 |
| Noninterest income to average assets | 0.4434% | 4,535 |
| Noninterest expense to average assets | 3.7224% | 1,472 |
| Loan and lease loss provision to assets | 0.8211% | 1,541 |
| Net operating income to assets | -0.0055% | 6,300 |
| Return on assets (ROA) | -0.0055% | 6,405 |
| Pretax return on assets | -0.0055% | 6,365 |
| Return on Equity (ROE) | -0.0441% | 6,412 |
| Retained earnings to average equity (ytd only) | -0.0441% | 5,838 |
| Net charge-offs to loans | 3.1020% | 487 |
| Credit loss provision to net charge-offs | 34.5622% | 4,748 |
| Earnings coverage of net charge-offs (x) | 0.3433% | 4,731 |
| Efficiency ratio | 82.0265% | 2,268 |
| Assets per employee ($millions) | 2.4173% | 7,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1249% | 1,899 |
| Loan loss allowance to noncurrent loans | 20.3288% | 6,989 |
| Noncurrent assets plus other real estate owned to assets | 11.7047% | 282 |
| Noncurrent loans to loans | 10.4525% | 396 |
| Net loans and leases to total assets | 73.0453% | 2,189 |
| Net loans and leases to deposits | 88.4900% | 2,136 |
| Net loans and leases to core deposits | 89.3392% | 3,455 |
| Total domestic deposits to total assets | 82.5464% | 4,829 |
| Equity capital to assets | 12.5086% | 1,757 |
| Core capital (leverage) ratio | 12.2966% | 1,494 |
| Tier 1 risk-based capital ratio | 17.0031% | 2,271 |
| Total risk-based capital ratio | 18.2644% | 2,215 |
| Memoranda: | ||
| Average total assets | $73,070,500 | 5,961 |
| Average earning assets | $65,604,500 | 5,977 |
| Average equity | $9,072,000 | 5,524 |
| Average total loans | $55,964,500 | 5,424 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9419% | 2,079 |
| Cost of funding earning assets | 1.6286% | 4,898 |
| Net interest margin | 4.3133% | 1,679 |
| Noninterest income to average assets | 0.3838% | 5,347 |
| Noninterest expense to average assets | 4.1058% | 1,222 |
| Loan and lease loss provision to assets | 0.7546% | 2,848 |
| Net operating income to assets | -0.3329% | 6,013 |
| Return on assets (ROA) | -0.3329% | 5,998 |
| Pretax return on assets | -0.5039% | 6,012 |
| Return on Equity (ROE) | -2.7478% | 5,953 |
| Retained earnings to average equity (ytd only) | -2.7478% | 5,654 |
| Net charge-offs to loans | 0.4163% | 4,144 |
| Credit loss provision to net charge-offs | 223.1660% | 1,683 |
| Earnings coverage of net charge-offs (x) | 0.7413% | 5,357 |
| Efficiency ratio | 94.2463% | 1,399 |
| Assets per employee ($millions) | 2.3007% | 7,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4806% | 1,256 |
| Loan loss allowance to noncurrent loans | 17.4029% | 7,167 |
| Noncurrent assets plus other real estate owned to assets | 12.9661% | 207 |
| Noncurrent loans to loans | 14.2541% | 199 |
| Net loans and leases to total assets | 76.5712% | 1,684 |
| Net loans and leases to deposits | 94.1638% | 1,573 |
| Net loans and leases to core deposits | 102.6606% | 3,728 |
| Total domestic deposits to total assets | 81.3170% | 5,225 |
| Equity capital to assets | 12.3236% | 1,837 |
| Core capital (leverage) ratio | 11.7829% | 1,765 |
| Tier 1 risk-based capital ratio | 16.4563% | 2,339 |
| Total risk-based capital ratio | 17.7223% | 2,276 |
| Memoranda: | ||
| Average total assets | $76,598,200 | 5,822 |
| Average earning assets | $70,549,400 | 5,796 |
| Average equity | $9,280,200 | 5,517 |
| Average total loans | $62,209,000 | 5,165 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0723% | 1,754 |
| Cost of funding earning assets | 1.7389% | 4,701 |
| Net interest margin | 4.3333% | 1,632 |
| Noninterest income to average assets | 0.3741% | 5,522 |
| Noninterest expense to average assets | 3.9115% | 1,409 |
| Loan and lease loss provision to assets | 0.7034% | 2,623 |
| Net operating income to assets | -0.1465% | 5,980 |
| Return on assets (ROA) | -0.1465% | 5,996 |
| Pretax return on assets | -0.2413% | 6,035 |
| Return on Equity (ROE) | -1.2144% | 5,969 |
| Retained earnings to average equity (ytd only) | -1.2144% | 5,540 |
| Net charge-offs to loans | 0.1285% | 5,414 |
| Credit loss provision to net charge-offs | 668.8525% | 560 |
| Earnings coverage of net charge-offs (x) | 4.3935% | 3,150 |
| Efficiency ratio | 89.4363% | 1,739 |
| Assets per employee ($millions) | 2.3549% | 7,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4278% | 1,138 |
| Loan loss allowance to noncurrent loans | 22.2730% | 6,956 |
| Noncurrent assets plus other real estate owned to assets | 9.9958% | 341 |
| Noncurrent loans to loans | 10.9000% | 334 |
| Net loans and leases to total assets | 75.6090% | 2,073 |
| Net loans and leases to deposits | 90.8905% | 2,415 |
| Net loans and leases to core deposits | 102.1452% | 4,140 |
| Total domestic deposits to total assets | 83.1869% | 4,128 |
| Equity capital to assets | 11.8938% | 2,295 |
| Core capital (leverage) ratio | 11.7267% | 1,953 |
| Tier 1 risk-based capital ratio | 16.1523% | 2,580 |
| Total risk-based capital ratio | 17.4177% | 2,505 |
| Memoranda: | ||
| Average total assets | $77,342,000 | 5,836 |
| Average earning assets | $71,382,750 | 5,807 |
| Average equity | $9,332,000 | 5,546 |
| Average total loans | $63,309,250 | 5,161 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1363% | 1,664 |
| Cost of funding earning assets | 1.8092% | 4,714 |
| Net interest margin | 4.3270% | 1,584 |
| Noninterest income to average assets | 0.3756% | 5,503 |
| Noninterest expense to average assets | 4.0120% | 1,299 |
| Loan and lease loss provision to assets | 0.1554% | 5,518 |
| Net operating income to assets | 0.1269% | 5,486 |
| Return on assets (ROA) | 0.1269% | 5,589 |
| Pretax return on assets | 0.2098% | 5,442 |
| Return on Equity (ROE) | 1.0468% | 5,624 |
| Retained earnings to average equity (ytd only) | 1.0468% | 4,743 |
| Net charge-offs to loans | -0.0031% | 7,496 |
| Credit loss provision to net charge-offs | -6,000.0000% | 7,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6568% | 1,667 |
| Assets per employee ($millions) | 2.2099% | 7,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8423% | 1,936 |
| Loan loss allowance to noncurrent loans | 23.7720% | 6,920 |
| Noncurrent assets plus other real estate owned to assets | 7.8555% | 492 |
| Noncurrent loans to loans | 7.7498% | 585 |
| Net loans and leases to total assets | 81.0090% | 1,139 |
| Net loans and leases to deposits | 97.7550% | 1,560 |
| Net loans and leases to core deposits | 112.7632% | 3,045 |
| Total domestic deposits to total assets | 82.8694% | 4,300 |
| Equity capital to assets | 12.1155% | 2,141 |
| Core capital (leverage) ratio | 12.1837% | 1,758 |
| Tier 1 risk-based capital ratio | 15.7654% | 2,706 |
| Total risk-based capital ratio | 17.0250% | 2,640 |
| Memoranda: | ||
| Average total assets | $77,218,330 | 5,888 |
| Average earning assets | $71,411,330 | 5,839 |
| Average equity | $9,361,670 | 5,560 |
| Average total loans | $64,339,000 | 5,164 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2405% | 1,475 |
| Cost of funding earning assets | 1.9034% | 4,614 |
| Net interest margin | 4.3371% | 1,494 |
| Noninterest income to average assets | 0.3525% | 5,621 |
| Noninterest expense to average assets | 3.6343% | 1,784 |
| Loan and lease loss provision to assets | 0.1555% | 4,942 |
| Net operating income to assets | 0.3577% | 5,031 |
| Return on assets (ROA) | 0.3577% | 5,217 |
| Pretax return on assets | 0.5910% | 4,784 |
| Return on Equity (ROE) | 2.9497% | 5,393 |
| Retained earnings to average equity (ytd only) | 2.9497% | 4,233 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9586% | 2,413 |
| Assets per employee ($millions) | 2.1169% | 7,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7742% | 1,915 |
| Loan loss allowance to noncurrent loans | 24.7782% | 6,922 |
| Noncurrent assets plus other real estate owned to assets | 6.4087% | 588 |
| Noncurrent loans to loans | 7.1605% | 551 |
| Net loans and leases to total assets | 83.1792% | 826 |
| Net loans and leases to deposits | 101.8837% | 1,187 |
| Net loans and leases to core deposits | 118.0029% | 2,597 |
| Total domestic deposits to total assets | 81.6413% | 4,702 |
| Equity capital to assets | 12.3240% | 2,068 |
| Core capital (leverage) ratio | 12.0868% | 1,861 |
| Tier 1 risk-based capital ratio | 15.9319% | 2,709 |
| Total risk-based capital ratio | 17.1900% | 2,649 |
| Memoranda: | ||
| Average total assets | $77,154,000 | 5,909 |
| Average earning assets | $71,660,500 | 5,857 |
| Average equity | $9,357,000 | 5,578 |
| Average total loans | $64,591,500 | 5,173 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8003% | 1,674 |
| Cost of funding earning assets | 2.3438% | 4,952 |
| Net interest margin | 4.4565% | 1,525 |
| Noninterest income to average assets | 0.4477% | 5,057 |
| Noninterest expense to average assets | 3.7237% | 1,909 |
| Loan and lease loss provision to assets | 0.5924% | 2,454 |
| Net operating income to assets | 0.1571% | 5,964 |
| Return on assets (ROA) | 0.1571% | 5,792 |
| Pretax return on assets | 0.2432% | 5,640 |
| Return on Equity (ROE) | 1.3558% | 5,812 |
| Retained earnings to average equity (ytd only) | 1.3558% | 4,407 |
| Net charge-offs to loans | 0.1439% | 4,776 |
| Credit loss provision to net charge-offs | 484.6939% | 906 |
| Earnings coverage of net charge-offs (x) | 6.8367% | 3,255 |
| Efficiency ratio | 81.6740% | 2,347 |
| Assets per employee ($millions) | 2.0552% | 7,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7247% | 1,836 |
| Loan loss allowance to noncurrent loans | 43.9495% | 5,814 |
| Noncurrent assets plus other real estate owned to assets | 3.5852% | 1,227 |
| Noncurrent loans to loans | 3.9243% | 1,255 |
| Net loans and leases to total assets | 81.3493% | 1,347 |
| Net loans and leases to deposits | 104.5914% | 1,281 |
| Net loans and leases to core deposits | 118.0933% | 2,873 |
| Total domestic deposits to total assets | 77.7782% | 5,780 |
| Equity capital to assets | 11.9361% | 2,335 |
| Core capital (leverage) ratio | 11.8279% | 2,067 |
| Tier 1 risk-based capital ratio | 15.7471% | 2,761 |
| Total risk-based capital ratio | 17.0050% | 2,695 |
| Memoranda: | ||
| Average total assets | $80,189,000 | 5,699 |
| Average earning assets | $73,981,600 | 5,661 |
| Average equity | $9,293,200 | 5,637 |
| Average total loans | $68,113,000 | 4,943 |