Home > New Buffalo Savings Bank > Performance and Condition Ratios
New Buffalo Savings Bank, Performance and Condition Ratios
| 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 | 4.8238% | 1,363 |
| Cost of funding earning assets | 1.2481% | 660 |
| Net interest margin | 3.5757% | 2,751 |
| Noninterest income to average assets | 1.0373% | 794 |
| Noninterest expense to average assets | 3.8418% | 590 |
| Loan and lease loss provision to assets | 0.2375% | 1,307 |
| Net operating income to assets | 0.0699% | 4,693 |
| Return on assets (ROA) | 0.0699% | 4,686 |
| Pretax return on assets | 0.0699% | 4,687 |
| Return on Equity (ROE) | 0.5033% | 4,695 |
| Retained earnings to average equity (ytd only) | 0.5033% | 3,880 |
| Net charge-offs to loans | -0.0094% | 4,059 |
| Credit loss provision to net charge-offs | -3,400.0000% | 3,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5926% | 408 |
| Assets per employee ($millions) | 3.5071% | 4,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 2,493 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1394% | 358 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 73.7877% | 1,647 |
| Net loans and leases to deposits | 91.1020% | 1,394 |
| Net loans and leases to core deposits | 109.9312% | 851 |
| Total domestic deposits to total assets | 80.9946% | 3,664 |
| Equity capital to assets | 14.1723% | 1,008 |
| Core capital (leverage) ratio | 14.1507% | 874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2852% | 1,103 |
| Memoranda: | ||
| Average total assets | $114,529,500 | 3,783 |
| Average earning assets | $99,671,500 | 3,879 |
| Average equity | $15,895,000 | 3,563 |
| Average total loans | $84,783,500 | 3,503 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6580% | 2,444 |
| Cost of funding earning assets | 1.4759% | 429 |
| Net interest margin | 3.1821% | 4,227 |
| Noninterest income to average assets | 1.4800% | 424 |
| Noninterest expense to average assets | 3.7327% | 729 |
| Loan and lease loss provision to assets | -0.0986% | 5,079 |
| Net operating income to assets | 0.7058% | 3,854 |
| Return on assets (ROA) | 0.7058% | 3,916 |
| Pretax return on assets | 0.6966% | 4,213 |
| Return on Equity (ROE) | 5.4622% | 4,077 |
| Retained earnings to average equity (ytd only) | 5.4622% | 2,184 |
| Net charge-offs to loans | -0.0011% | 4,179 |
| Credit loss provision to net charge-offs | 11,800.0000% | 36 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1909% | 529 |
| Assets per employee ($millions) | 3.6510% | 4,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 2,810 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0097% | 387 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 72.5480% | 2,001 |
| Net loans and leases to deposits | 88.5435% | 1,765 |
| Net loans and leases to core deposits | 106.2675% | 1,096 |
| Total domestic deposits to total assets | 81.9349% | 3,524 |
| Equity capital to assets | 13.5963% | 1,247 |
| Core capital (leverage) ratio | 13.2813% | 1,124 |
| Tier 1 risk-based capital ratio | 17.6380% | 1,854 |
| Total risk-based capital ratio | 18.7084% | 1,861 |
| Memoranda: | ||
| Average total assets | $119,726,800 | 3,709 |
| Average earning assets | $107,256,600 | 3,754 |
| Average equity | $15,470,000 | 3,592 |
| Average total loans | $89,110,400 | 3,418 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6557% | 2,542 |
| Cost of funding earning assets | 1.4544% | 476 |
| Net interest margin | 3.2013% | 4,298 |
| Noninterest income to average assets | 1.4600% | 427 |
| Noninterest expense to average assets | 3.6717% | 774 |
| Loan and lease loss provision to assets | -0.0753% | 5,145 |
| Net operating income to assets | 0.7461% | 3,861 |
| Return on assets (ROA) | 0.7461% | 3,924 |
| Pretax return on assets | 0.7461% | 4,248 |
| Return on Equity (ROE) | 5.8481% | 4,089 |
| Retained earnings to average equity (ytd only) | 5.8481% | 2,436 |
| Net charge-offs to loans | -0.0015% | 4,030 |
| Credit loss provision to net charge-offs | 6,800.0000% | 61 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5526% | 577 |
| Assets per employee ($millions) | 3.6928% | 4,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 2,935 |
| Loan loss allowance to noncurrent loans | 104.0000% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 1.8496% | 524 |
| Noncurrent loans to loans | 1.0757% | 1,475 |
| Net loans and leases to total assets | 73.5444% | 1,911 |
| Net loans and leases to deposits | 88.8437% | 1,832 |
| Net loans and leases to core deposits | 107.7783% | 1,068 |
| Total domestic deposits to total assets | 82.7796% | 3,231 |
| Equity capital to assets | 12.8540% | 1,706 |
| Core capital (leverage) ratio | 12.8931% | 1,386 |
| Tier 1 risk-based capital ratio | 17.0294% | 2,077 |
| Total risk-based capital ratio | 18.1318% | 2,063 |
| Memoranda: | ||
| Average total assets | $120,450,250 | 3,734 |
| Average earning assets | $108,452,000 | 3,779 |
| Average equity | $15,366,250 | 3,640 |
| Average total loans | $89,957,000 | 3,441 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6527% | 2,511 |
| Cost of funding earning assets | 1.4187% | 494 |
| Net interest margin | 3.2340% | 4,280 |
| Noninterest income to average assets | 1.2935% | 521 |
| Noninterest expense to average assets | 3.6623% | 783 |
| Loan and lease loss provision to assets | -0.1134% | 5,219 |
| Net operating income to assets | 0.6668% | 4,108 |
| Return on assets (ROA) | 0.6668% | 4,160 |
| Pretax return on assets | 0.6668% | 4,409 |
| Return on Equity (ROE) | 5.2401% | 4,279 |
| Retained earnings to average equity (ytd only) | 5.2401% | 2,646 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8723% | 499 |
| Assets per employee ($millions) | 3.5486% | 4,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 2,818 |
| Loan loss allowance to noncurrent loans | 51.2911% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 1.6369% | 653 |
| Noncurrent loans to loans | 2.2316% | 597 |
| Net loans and leases to total assets | 72.5129% | 2,147 |
| Net loans and leases to deposits | 87.5039% | 2,057 |
| Net loans and leases to core deposits | 106.2869% | 1,229 |
| Total domestic deposits to total assets | 82.8682% | 3,251 |
| Equity capital to assets | 12.7548% | 1,721 |
| Core capital (leverage) ratio | 12.8727% | 1,368 |
| Tier 1 risk-based capital ratio | 17.0259% | 2,081 |
| Total risk-based capital ratio | 18.1466% | 2,057 |
| Memoranda: | ||
| Average total assets | $119,980,000 | 3,762 |
| Average earning assets | $108,410,000 | 3,799 |
| Average equity | $15,267,000 | 3,656 |
| Average total loans | $89,730,670 | 3,468 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5763% | 2,620 |
| Cost of funding earning assets | 1.3186% | 621 |
| Net interest margin | 3.2577% | 4,260 |
| Noninterest income to average assets | 2.0193% | 243 |
| Noninterest expense to average assets | 3.5238% | 937 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4443% | 1,253 |
| Return on assets (ROA) | 1.4443% | 1,282 |
| Pretax return on assets | 1.4443% | 1,941 |
| Return on Equity (ROE) | 11.3639% | 1,802 |
| Retained earnings to average equity (ytd only) | 11.3639% | 735 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9287% | 2,198 |
| Assets per employee ($millions) | 3.5231% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2084% | 2,531 |
| Loan loss allowance to noncurrent loans | 51.5007% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 1.7523% | 611 |
| Noncurrent loans to loans | 2.3463% | 578 |
| Net loans and leases to total assets | 73.7805% | 1,848 |
| Net loans and leases to deposits | 89.2969% | 1,715 |
| Net loans and leases to core deposits | 109.6637% | 951 |
| Total domestic deposits to total assets | 82.6239% | 3,529 |
| Equity capital to assets | 12.8747% | 1,527 |
| Core capital (leverage) ratio | 12.9575% | 1,293 |
| Tier 1 risk-based capital ratio | 16.9461% | 2,122 |
| Total risk-based capital ratio | 18.1340% | 2,092 |
| Memoranda: | ||
| Average total assets | $119,643,500 | 3,812 |
| Average earning assets | $108,297,000 | 3,842 |
| Average equity | $15,206,000 | 3,681 |
| Average total loans | $90,345,000 | 3,484 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4701% | 2,550 |
| Cost of funding earning assets | 0.9948% | 770 |
| Net interest margin | 3.4753% | 3,786 |
| Noninterest income to average assets | 1.2745% | 576 |
| Noninterest expense to average assets | 3.6593% | 813 |
| Loan and lease loss provision to assets | -0.0413% | 5,176 |
| Net operating income to assets | 0.8056% | 3,788 |
| Return on assets (ROA) | 0.8056% | 3,784 |
| Pretax return on assets | 0.8056% | 4,155 |
| Return on Equity (ROE) | 6.7126% | 3,925 |
| Retained earnings to average equity (ytd only) | 6.7126% | 1,810 |
| Net charge-offs to loans | -0.0031% | 4,289 |
| Credit loss provision to net charge-offs | 1,666.6667% | 255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7207% | 727 |
| Assets per employee ($millions) | 3.5148% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 2,647 |
| Loan loss allowance to noncurrent loans | 53.6210% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 1.8485% | 547 |
| Noncurrent loans to loans | 2.2098% | 584 |
| Net loans and leases to total assets | 75.4381% | 1,707 |
| Net loans and leases to deposits | 90.7636% | 1,705 |
| Net loans and leases to core deposits | 103.5540% | 1,449 |
| Total domestic deposits to total assets | 83.1149% | 3,286 |
| Equity capital to assets | 12.5437% | 1,562 |
| Core capital (leverage) ratio | 12.1996% | 1,612 |
| Tier 1 risk-based capital ratio | 16.5760% | 2,213 |
| Total risk-based capital ratio | 17.7714% | 2,175 |
| Memoranda: | ||
| Average total assets | $121,145,000 | 3,772 |
| Average earning assets | $109,773,800 | 3,809 |
| Average equity | $14,539,800 | 3,693 |
| Average total loans | $95,594,200 | 3,372 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4176% | 2,572 |
| Cost of funding earning assets | 0.9512% | 746 |
| Net interest margin | 3.4664% | 3,815 |
| Noninterest income to average assets | 1.4676% | 440 |
| Noninterest expense to average assets | 3.7502% | 711 |
| Loan and lease loss provision to assets | -0.0548% | 5,299 |
| Net operating income to assets | 0.9181% | 3,445 |
| Return on assets (ROA) | 0.9181% | 3,450 |
| Pretax return on assets | 0.9181% | 3,952 |
| Return on Equity (ROE) | 7.7352% | 3,649 |
| Retained earnings to average equity (ytd only) | 7.7352% | 1,776 |
| Net charge-offs to loans | -0.0041% | 4,192 |
| Credit loss provision to net charge-offs | 1,666.6667% | 250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2886% | 832 |
| Assets per employee ($millions) | 3.6903% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1311% | 3,017 |
| Loan loss allowance to noncurrent loans | 52.0058% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 1.9155% | 576 |
| Noncurrent loans to loans | 2.1750% | 652 |
| Net loans and leases to total assets | 79.6433% | 1,073 |
| Net loans and leases to deposits | 100.4690% | 741 |
| Net loans and leases to core deposits | 110.5781% | 997 |
| Total domestic deposits to total assets | 79.2716% | 4,264 |
| Equity capital to assets | 12.5465% | 1,554 |
| Core capital (leverage) ratio | 12.1961% | 1,669 |
| Tier 1 risk-based capital ratio | 15.9192% | 2,476 |
| Total risk-based capital ratio | 17.0753% | 2,451 |
| Memoranda: | ||
| Average total assets | $121,555,750 | 3,804 |
| Average earning assets | $110,312,500 | 3,838 |
| Average equity | $14,427,250 | 3,733 |
| Average total loans | $96,685,000 | 3,394 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3592% | 2,547 |
| Cost of funding earning assets | 0.9188% | 681 |
| Net interest margin | 3.4404% | 3,831 |
| Noninterest income to average assets | 1.5288% | 414 |
| Noninterest expense to average assets | 3.7568% | 704 |
| Loan and lease loss provision to assets | -0.0815% | 5,408 |
| Net operating income to assets | 0.9844% | 3,089 |
| Return on assets (ROA) | 0.9844% | 3,094 |
| Pretax return on assets | 0.9844% | 3,713 |
| Return on Equity (ROE) | 8.4489% | 3,287 |
| Retained earnings to average equity (ytd only) | 8.4489% | 1,426 |
| Net charge-offs to loans | -0.0041% | 4,056 |
| Credit loss provision to net charge-offs | 2,500.0000% | 167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6226% | 945 |
| Assets per employee ($millions) | 3.7405% | 4,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 2,981 |
| Loan loss allowance to noncurrent loans | 40.7970% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 2.2014% | 448 |
| Noncurrent loans to loans | 2.8184% | 425 |
| Net loans and leases to total assets | 77.2104% | 1,442 |
| Net loans and leases to deposits | 96.7272% | 1,069 |
| Net loans and leases to core deposits | 105.6738% | 1,261 |
| Total domestic deposits to total assets | 79.8229% | 4,268 |
| Equity capital to assets | 12.1835% | 1,728 |
| Core capital (leverage) ratio | 12.3084% | 1,535 |
| Tier 1 risk-based capital ratio | 15.7675% | 2,530 |
| Total risk-based capital ratio | 16.9298% | 2,503 |
| Memoranda: | ||
| Average total assets | $122,711,330 | 3,814 |
| Average earning assets | $111,672,670 | 3,849 |
| Average equity | $14,297,670 | 3,765 |
| Average total loans | $97,204,670 | 3,388 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2558% | 2,685 |
| Cost of funding earning assets | 0.9062% | 578 |
| Net interest margin | 3.3496% | 4,052 |
| Noninterest income to average assets | 1.6745% | 356 |
| Noninterest expense to average assets | 3.7611% | 703 |
| Loan and lease loss provision to assets | -0.1610% | 5,538 |
| Net operating income to assets | 1.1335% | 2,274 |
| Return on assets (ROA) | 1.1335% | 2,290 |
| Pretax return on assets | 1.1335% | 3,035 |
| Return on Equity (ROE) | 9.9470% | 2,465 |
| Retained earnings to average equity (ytd only) | 9.9470% | 1,176 |
| Net charge-offs to loans | -0.0040% | 3,937 |
| Credit loss provision to net charge-offs | 5,000.0000% | 68 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4558% | 1,204 |
| Assets per employee ($millions) | 4.0521% | 3,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 3,285 |
| Loan loss allowance to noncurrent loans | 43.0461% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 2.0525% | 542 |
| Noncurrent loans to loans | 2.5921% | 511 |
| Net loans and leases to total assets | 78.2967% | 1,195 |
| Net loans and leases to deposits | 97.4406% | 912 |
| Net loans and leases to core deposits | 105.2725% | 1,292 |
| Total domestic deposits to total assets | 80.3532% | 4,353 |
| Equity capital to assets | 11.7890% | 1,924 |
| Core capital (leverage) ratio | 11.7413% | 1,821 |
| Tier 1 risk-based capital ratio | 15.5414% | 2,647 |
| Total risk-based capital ratio | 16.7061% | 2,613 |
| Memoranda: | ||
| Average total assets | $124,219,500 | 3,827 |
| Average earning assets | $113,446,500 | 3,859 |
| Average equity | $14,155,000 | 3,809 |
| Average total loans | $99,061,000 | 3,377 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1322% | 2,944 |
| Cost of funding earning assets | 0.9453% | 298 |
| Net interest margin | 3.1869% | 4,482 |
| Noninterest income to average assets | 1.7210% | 370 |
| Noninterest expense to average assets | 3.7124% | 779 |
| Loan and lease loss provision to assets | 0.0590% | 3,056 |
| Net operating income to assets | 0.8323% | 3,024 |
| Return on assets (ROA) | 0.8323% | 3,058 |
| Pretax return on assets | 0.8323% | 4,151 |
| Return on Equity (ROE) | 7.3234% | 3,109 |
| Retained earnings to average equity (ytd only) | 7.3234% | 974 |
| Net charge-offs to loans | 0.0109% | 3,709 |
| Credit loss provision to net charge-offs | 700.0000% | 467 |
| Earnings coverage of net charge-offs (x) | 105.8000% | 622 |
| Efficiency ratio | 80.6404% | 1,050 |
| Assets per employee ($millions) | 3.8445% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 3,343 |
| Loan loss allowance to noncurrent loans | 47.6655% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 1.8570% | 644 |
| Noncurrent loans to loans | 2.3128% | 609 |
| Net loans and leases to total assets | 79.4095% | 1,054 |
| Net loans and leases to deposits | 97.3467% | 958 |
| Net loans and leases to core deposits | 105.5042% | 1,297 |
| Total domestic deposits to total assets | 81.5739% | 3,979 |
| Equity capital to assets | 11.0121% | 2,614 |
| Core capital (leverage) ratio | 11.3284% | 2,078 |
| Tier 1 risk-based capital ratio | 15.1159% | 2,789 |
| Total risk-based capital ratio | 16.3309% | 2,751 |
| Memoranda: | ||
| Average total assets | $118,709,600 | 3,918 |
| Average earning assets | $107,377,000 | 3,958 |
| Average equity | $13,491,000 | 3,914 |
| Average total loans | $92,134,200 | 3,489 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0568% | 3,151 |
| Cost of funding earning assets | 0.9407% | 274 |
| Net interest margin | 3.1161% | 4,672 |
| Noninterest income to average assets | 2.1519% | 282 |
| Noninterest expense to average assets | 3.7415% | 729 |
| Loan and lease loss provision to assets | 0.0800% | 2,486 |
| Net operating income to assets | 1.1394% | 1,919 |
| Return on assets (ROA) | 1.1394% | 1,970 |
| Pretax return on assets | 1.1394% | 3,158 |
| Return on Equity (ROE) | 9.9417% | 2,159 |
| Retained earnings to average equity (ytd only) | 9.9417% | 600 |
| Net charge-offs to loans | 0.0089% | 3,410 |
| Credit loss provision to net charge-offs | 1,166.6667% | 311 |
| Earnings coverage of net charge-offs (x) | 177.8288% | 480 |
| Efficiency ratio | 75.4204% | 1,676 |
| Assets per employee ($millions) | 3.9427% | 4,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 3,014 |
| Loan loss allowance to noncurrent loans | 253.8288% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.3519% | 3,630 |
| Noncurrent loans to loans | 0.4670% | 3,300 |
| Net loans and leases to total assets | 74.4640% | 1,846 |
| Net loans and leases to deposits | 92.3922% | 1,514 |
| Net loans and leases to core deposits | 100.5738% | 1,656 |
| Total domestic deposits to total assets | 80.5956% | 4,173 |
| Equity capital to assets | 11.0584% | 2,809 |
| Core capital (leverage) ratio | 10.9820% | 2,479 |
| Tier 1 risk-based capital ratio | 16.0917% | 2,463 |
| Total risk-based capital ratio | 17.3420% | 2,406 |
| Memoranda: | ||
| Average total assets | $116,669,750 | 3,987 |
| Average earning assets | $105,171,750 | 4,046 |
| Average equity | $13,371,000 | 3,974 |
| Average total loans | $89,700,500 | 3,565 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0097% | 3,173 |
| Cost of funding earning assets | 0.9116% | 284 |
| Net interest margin | 3.0981% | 4,689 |
| Noninterest income to average assets | 2.2360% | 266 |
| Noninterest expense to average assets | 3.8765% | 612 |
| Loan and lease loss provision to assets | 0.0546% | 2,883 |
| Net operating income to assets | 1.0837% | 2,068 |
| Return on assets (ROA) | 1.0837% | 2,111 |
| Pretax return on assets | 1.0837% | 3,247 |
| Return on Equity (ROE) | 9.3342% | 2,339 |
| Retained earnings to average equity (ytd only) | 9.3342% | 749 |
| Net charge-offs to loans | 0.0182% | 2,885 |
| Credit loss provision to net charge-offs | 387.5000% | 798 |
| Earnings coverage of net charge-offs (x) | 80.7500% | 762 |
| Efficiency ratio | 77.3015% | 1,548 |
| Assets per employee ($millions) | 3.9397% | 4,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 3,129 |
| Loan loss allowance to noncurrent loans | 239.2070% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.6198% | 2,710 |
| Noncurrent loans to loans | 0.4939% | 3,272 |
| Net loans and leases to total assets | 74.3718% | 1,802 |
| Net loans and leases to deposits | 92.7093% | 1,403 |
| Net loans and leases to core deposits | 101.5200% | 1,545 |
| Total domestic deposits to total assets | 80.2204% | 4,360 |
| Equity capital to assets | 11.1110% | 2,692 |
| Core capital (leverage) ratio | 11.5102% | 1,965 |
| Tier 1 risk-based capital ratio | 15.8502% | 2,566 |
| Total risk-based capital ratio | 17.1000% | 2,505 |
| Memoranda: | ||
| Average total assets | $113,504,000 | 4,069 |
| Average earning assets | $101,804,330 | 4,135 |
| Average equity | $13,177,330 | 4,011 |
| Average total loans | $87,908,670 | 3,618 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9077% | 3,372 |
| Cost of funding earning assets | 0.8615% | 354 |
| Net interest margin | 3.0462% | 4,797 |
| Noninterest income to average assets | 1.3774% | 557 |
| Noninterest expense to average assets | 3.8978% | 602 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1868% | 5,415 |
| Return on assets (ROA) | 0.1868% | 5,425 |
| Pretax return on assets | 0.1868% | 5,450 |
| Return on Equity (ROE) | 1.5715% | 5,409 |
| Retained earnings to average equity (ytd only) | 1.5715% | 4,475 |
| Net charge-offs to loans | 0.0978% | 1,386 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.4286% | 2,590 |
| Efficiency ratio | 95.4260% | 334 |
| Assets per employee ($millions) | 3.7149% | 4,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 3,210 |
| Loan loss allowance to noncurrent loans | 168.8817% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 1.0229% | 1,779 |
| Noncurrent loans to loans | 0.7032% | 2,731 |
| Net loans and leases to total assets | 75.2824% | 1,532 |
| Net loans and leases to deposits | 94.6628% | 1,050 |
| Net loans and leases to core deposits | 107.1776% | 1,026 |
| Total domestic deposits to total assets | 79.5269% | 4,706 |
| Equity capital to assets | 11.2955% | 2,356 |
| Core capital (leverage) ratio | 12.1038% | 1,559 |
| Tier 1 risk-based capital ratio | 16.5893% | 2,324 |
| Total risk-based capital ratio | 17.8404% | 2,278 |
| Memoranda: | ||
| Average total assets | $109,190,500 | 4,186 |
| Average earning assets | $97,038,000 | 4,255 |
| Average equity | $12,981,000 | 4,063 |
| Average total loans | $85,904,500 | 3,688 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8989% | 3,574 |
| Cost of funding earning assets | 0.8376% | 417 |
| Net interest margin | 3.0613% | 4,816 |
| Noninterest income to average assets | 1.2197% | 766 |
| Noninterest expense to average assets | 4.2257% | 477 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.2878% | 5,739 |
| Return on assets (ROA) | -0.2878% | 5,750 |
| Pretax return on assets | -0.2878% | 5,737 |
| Return on Equity (ROE) | -2.1880% | 5,737 |
| Retained earnings to average equity (ytd only) | -2.1880% | 5,549 |
| Net charge-offs to loans | 0.1161% | 2,100 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -3.1087% | 4,206 |
| Efficiency ratio | 107.3090% | 145 |
| Assets per employee ($millions) | 3.0359% | 5,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2644% | 2,735 |
| Loan loss allowance to noncurrent loans | 172.0065% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 1.1664% | 1,564 |
| Noncurrent loans to loans | 0.7351% | 2,689 |
| Net loans and leases to total assets | 80.4185% | 824 |
| Net loans and leases to deposits | 105.2907% | 375 |
| Net loans and leases to core deposits | 118.1928% | 537 |
| Total domestic deposits to total assets | 76.3776% | 5,197 |
| Equity capital to assets | 12.5499% | 1,489 |
| Core capital (leverage) ratio | 12.8774% | 1,180 |
| Tier 1 risk-based capital ratio | 16.3803% | 2,392 |
| Total risk-based capital ratio | 17.6308% | 2,331 |
| Memoranda: | ||
| Average total assets | $99,367,400 | 4,358 |
| Average earning assets | $88,229,400 | 4,431 |
| Average equity | $13,071,000 | 4,082 |
| Average total loans | $79,234,800 | 3,816 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8817% | 3,650 |
| Cost of funding earning assets | 0.8473% | 388 |
| Net interest margin | 3.0344% | 4,942 |
| Noninterest income to average assets | 1.1869% | 824 |
| Noninterest expense to average assets | 4.2206% | 476 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.3455% | 5,835 |
| Return on assets (ROA) | -0.3455% | 5,842 |
| Pretax return on assets | -0.3455% | 5,826 |
| Return on Equity (ROE) | -2.5953% | 5,827 |
| Retained earnings to average equity (ytd only) | -2.5953% | 5,634 |
| Net charge-offs to loans | 0.1350% | 1,627 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -3.2279% | 3,882 |
| Efficiency ratio | 108.9161% | 128 |
| Assets per employee ($millions) | 3.0526% | 5,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 2,506 |
| Loan loss allowance to noncurrent loans | 121.0349% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 0.9073% | 2,286 |
| Noncurrent loans to loans | 1.1036% | 2,046 |
| Net loans and leases to total assets | 78.8955% | 1,052 |
| Net loans and leases to deposits | 98.9652% | 781 |
| Net loans and leases to core deposits | 111.2173% | 851 |
| Total domestic deposits to total assets | 79.7205% | 4,573 |
| Equity capital to assets | 12.8890% | 1,553 |
| Core capital (leverage) ratio | 12.6980% | 1,311 |
| Tier 1 risk-based capital ratio | 17.2254% | 2,157 |
| Total risk-based capital ratio | 18.4778% | 2,115 |
| Memoranda: | ||
| Average total assets | $98,404,250 | 4,408 |
| Average earning assets | $87,177,250 | 4,490 |
| Average equity | $13,100,250 | 4,108 |
| Average total loans | $78,025,750 | 3,874 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8622% | 3,731 |
| Cost of funding earning assets | 0.8575% | 363 |
| Net interest margin | 3.0047% | 5,073 |
| Noninterest income to average assets | 1.2135% | 765 |
| Noninterest expense to average assets | 4.1715% | 509 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.3075% | 5,882 |
| Return on assets (ROA) | -0.3075% | 5,894 |
| Pretax return on assets | -0.3075% | 5,882 |
| Return on Equity (ROE) | -2.2847% | 5,878 |
| Retained earnings to average equity (ytd only) | -2.2847% | 5,565 |
| Net charge-offs to loans | -0.1063% | 5,647 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.9576% | 155 |
| Assets per employee ($millions) | 3.1145% | 5,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5365% | 1,731 |
| Loan loss allowance to noncurrent loans | 120.8081% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.9933% | 2,152 |
| Noncurrent loans to loans | 1.2719% | 1,786 |
| Net loans and leases to total assets | 76.9012% | 1,354 |
| Net loans and leases to deposits | 96.8815% | 977 |
| Net loans and leases to core deposits | 110.6440% | 896 |
| Total domestic deposits to total assets | 79.3765% | 4,701 |
| Equity capital to assets | 13.1343% | 1,425 |
| Core capital (leverage) ratio | 13.2703% | 1,064 |
| Tier 1 risk-based capital ratio | 17.0498% | 2,199 |
| Total risk-based capital ratio | 18.3041% | 2,156 |
| Memoranda: | ||
| Average total assets | $97,567,330 | 4,460 |
| Average earning assets | $86,066,000 | 4,540 |
| Average equity | $13,130,670 | 4,135 |
| Average total loans | $77,123,000 | 3,922 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8636% | 3,718 |
| Cost of funding earning assets | 0.8827% | 315 |
| Net interest margin | 2.9809% | 5,162 |
| Noninterest income to average assets | 0.6093% | 2,468 |
| Noninterest expense to average assets | 3.9873% | 615 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.7419% | 6,006 |
| Return on assets (ROA) | -0.7419% | 6,008 |
| Pretax return on assets | -0.7046% | 5,992 |
| Return on Equity (ROE) | -5.4445% | 5,976 |
| Retained earnings to average equity (ytd only) | -5.4445% | 5,624 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.4646% | 97 |
| Assets per employee ($millions) | 3.3782% | 5,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5237% | 1,893 |
| Loan loss allowance to noncurrent loans | 91.6667% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.5362% | 1,312 |
| Noncurrent loans to loans | 1.6622% | 1,363 |
| Net loans and leases to total assets | 76.1950% | 1,363 |
| Net loans and leases to deposits | 96.4419% | 899 |
| Net loans and leases to core deposits | 105.5470% | 1,105 |
| Total domestic deposits to total assets | 79.0062% | 4,966 |
| Equity capital to assets | 13.3320% | 1,251 |
| Core capital (leverage) ratio | 13.5725% | 958 |
| Tier 1 risk-based capital ratio | 19.5621% | 1,601 |
| Total risk-based capital ratio | 20.8187% | 1,571 |
| Memoranda: | ||
| Average total assets | $96,507,500 | 4,524 |
| Average earning assets | $86,551,000 | 4,569 |
| Average equity | $13,151,000 | 4,142 |
| Average total loans | $76,765,500 | 3,947 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0982% | 2,927 |
| Cost of funding earning assets | 0.9376% | 240 |
| Net interest margin | 3.1606% | 4,752 |
| Noninterest income to average assets | 0.8215% | 1,701 |
| Noninterest expense to average assets | 3.7326% | 939 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.1944% | 5,962 |
| Return on assets (ROA) | -0.1944% | 5,974 |
| Pretax return on assets | -0.1901% | 5,960 |
| Return on Equity (ROE) | -1.6660% | 5,970 |
| Retained earnings to average equity (ytd only) | -1.6660% | 5,730 |
| Net charge-offs to loans | -0.0108% | 5,126 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.3654% | 194 |
| Assets per employee ($millions) | 3.6557% | 4,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4859% | 2,081 |
| Loan loss allowance to noncurrent loans | 99.6549% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 1.4771% | 1,381 |
| Noncurrent loans to loans | 1.4911% | 1,557 |
| Net loans and leases to total assets | 80.5646% | 768 |
| Net loans and leases to deposits | 102.8211% | 496 |
| Net loans and leases to core deposits | 109.8558% | 858 |
| Total domestic deposits to total assets | 78.3541% | 5,093 |
| Equity capital to assets | 13.9309% | 958 |
| Core capital (leverage) ratio | 13.9326% | 845 |
| Tier 1 risk-based capital ratio | 20.0066% | 1,483 |
| Total risk-based capital ratio | 21.2623% | 1,455 |
| Memoranda: | ||
| Average total assets | $91,545,000 | 4,632 |
| Average earning assets | $78,815,000 | 4,745 |
| Average equity | $10,684,200 | 4,539 |
| Average total loans | $74,405,400 | 3,984 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1642% | 2,699 |
| Cost of funding earning assets | 0.9481% | 225 |
| Net interest margin | 3.2162% | 4,626 |
| Noninterest income to average assets | 0.9044% | 1,439 |
| Noninterest expense to average assets | 3.6601% | 1,030 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.0279% | 5,956 |
| Return on assets (ROA) | -0.0279% | 5,986 |
| Pretax return on assets | -0.0221% | 5,981 |
| Return on Equity (ROE) | -0.2522% | 5,987 |
| Retained earnings to average equity (ytd only) | -0.2522% | 5,651 |
| Net charge-offs to loans | -0.0145% | 5,100 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6063% | 289 |
| Assets per employee ($millions) | 3.2636% | 5,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5450% | 1,985 |
| Loan loss allowance to noncurrent loans | 91.8854% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 1.7126% | 1,263 |
| Noncurrent loans to loans | 1.6814% | 1,451 |
| Net loans and leases to total assets | 80.5452% | 741 |
| Net loans and leases to deposits | 99.4326% | 699 |
| Net loans and leases to core deposits | 105.7879% | 1,116 |
| Total domestic deposits to total assets | 81.0048% | 4,472 |
| Equity capital to assets | 10.9323% | 3,097 |
| Core capital (leverage) ratio | 10.6111% | 2,915 |
| Tier 1 risk-based capital ratio | 15.2918% | 3,147 |
| Total risk-based capital ratio | 16.5470% | 3,072 |
| Memoranda: | ||
| Average total assets | $90,669,250 | 4,707 |
| Average earning assets | $77,067,000 | 4,845 |
| Average equity | $10,045,000 | 4,714 |
| Average total loans | $73,574,250 | 4,044 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2724% | 2,276 |
| Cost of funding earning assets | 0.9491% | 221 |
| Net interest margin | 3.3233% | 4,201 |
| Noninterest income to average assets | 1.1478% | 907 |
| Noninterest expense to average assets | 3.6469% | 1,054 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2234% | 5,638 |
| Return on assets (ROA) | 0.2234% | 5,711 |
| Pretax return on assets | 0.2654% | 5,715 |
| Return on Equity (ROE) | 2.0073% | 5,678 |
| Retained earnings to average equity (ytd only) | 2.0073% | 4,696 |
| Net charge-offs to loans | -0.0219% | 5,204 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2165% | 561 |
| Assets per employee ($millions) | 3.2660% | 5,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5642% | 2,039 |
| Loan loss allowance to noncurrent loans | 120.4380% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 1.6818% | 1,416 |
| Noncurrent loans to loans | 1.2988% | 2,067 |
| Net loans and leases to total assets | 79.4793% | 871 |
| Net loans and leases to deposits | 98.4464% | 756 |
| Net loans and leases to core deposits | 104.3651% | 1,166 |
| Total domestic deposits to total assets | 80.7335% | 4,683 |
| Equity capital to assets | 11.0553% | 2,832 |
| Core capital (leverage) ratio | 11.2245% | 2,224 |
| Tier 1 risk-based capital ratio | 16.0252% | 2,844 |
| Total risk-based capital ratio | 17.2822% | 2,798 |
| Memoranda: | ||
| Average total assets | $90,432,000 | 4,756 |
| Average earning assets | $75,227,330 | 4,938 |
| Average equity | $10,063,330 | 4,737 |
| Average total loans | $73,179,670 | 4,082 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3046% | 2,086 |
| Cost of funding earning assets | 0.8972% | 293 |
| Net interest margin | 3.4074% | 3,816 |
| Noninterest income to average assets | 1.1245% | 889 |
| Noninterest expense to average assets | 3.6846% | 1,029 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2756% | 5,491 |
| Return on assets (ROA) | 0.2756% | 5,587 |
| Pretax return on assets | 0.2756% | 5,698 |
| Return on Equity (ROE) | 2.4522% | 5,553 |
| Retained earnings to average equity (ytd only) | 2.4522% | 4,466 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0415% | 646 |
| Assets per employee ($millions) | 3.1854% | 5,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6038% | 2,037 |
| Loan loss allowance to noncurrent loans | 118.6143% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 1.7636% | 1,393 |
| Noncurrent loans to loans | 1.3521% | 2,126 |
| Net loans and leases to total assets | 78.9003% | 811 |
| Net loans and leases to deposits | 98.2369% | 661 |
| Net loans and leases to core deposits | 103.3681% | 1,105 |
| Total domestic deposits to total assets | 80.3164% | 4,987 |
| Equity capital to assets | 11.2915% | 2,657 |
| Core capital (leverage) ratio | 11.4091% | 2,072 |
| Tier 1 risk-based capital ratio | 11.3370% | 5,637 |
| Total risk-based capital ratio | 12.5865% | 5,550 |
| Memoranda: | ||
| Average total assets | $89,997,000 | 4,809 |
| Average earning assets | $74,896,000 | 4,991 |
| Average equity | $10,113,500 | 4,759 |
| Average total loans | $72,850,500 | 4,105 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8002% | 4,493 |
| Cost of funding earning assets | 0.7869% | 696 |
| Net interest margin | 3.0133% | 5,423 |
| Noninterest income to average assets | 0.5706% | 3,045 |
| Noninterest expense to average assets | 5.7505% | 204 |
| Loan and lease loss provision to assets | -0.1110% | 6,166 |
| Net operating income to assets | -2.5267% | 6,468 |
| Return on assets (ROA) | -2.5433% | 6,468 |
| Pretax return on assets | -2.5433% | 6,465 |
| Return on Equity (ROE) | -19.5705% | 6,437 |
| Retained earnings to average equity (ytd only) | -19.5705% | 6,419 |
| Net charge-offs to loans | 0.2015% | 2,054 |
| Credit loss provision to net charge-offs | -78.7402% | 5,479 |
| Earnings coverage of net charge-offs (x) | -18.7087% | 4,934 |
| Efficiency ratio | 184.7361% | 29 |
| Assets per employee ($millions) | 3.3631% | 5,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5462% | 2,273 |
| Loan loss allowance to noncurrent loans | 95.7429% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.5925% | 1,697 |
| Noncurrent loans to loans | 1.6149% | 1,815 |
| Net loans and leases to total assets | 80.4324% | 681 |
| Net loans and leases to deposits | 107.1837% | 317 |
| Net loans and leases to core deposits | 113.0783% | 640 |
| Total domestic deposits to total assets | 75.0416% | 5,857 |
| Equity capital to assets | 11.1847% | 2,715 |
| Core capital (leverage) ratio | 11.1770% | 2,237 |
| Tier 1 risk-based capital ratio | 15.2608% | 3,337 |
| Total risk-based capital ratio | 16.5168% | 3,284 |
| Memoranda: | ||
| Average total assets | $90,079,200 | 4,837 |
| Average earning assets | $75,996,200 | 4,987 |
| Average equity | $11,706,400 | 4,417 |
| Average total loans | $63,022,000 | 4,397 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7394% | 4,740 |
| Cost of funding earning assets | 0.8048% | 669 |
| Net interest margin | 2.9345% | 5,627 |
| Noninterest income to average assets | 0.5043% | 3,521 |
| Noninterest expense to average assets | 4.3144% | 550 |
| Loan and lease loss provision to assets | -0.2966% | 6,456 |
| Net operating income to assets | -1.0782% | 6,472 |
| Return on assets (ROA) | -1.0782% | 6,470 |
| Pretax return on assets | -1.0367% | 6,452 |
| Return on Equity (ROE) | -8.0148% | 6,422 |
| Retained earnings to average equity (ytd only) | -8.0148% | 6,345 |
| Net charge-offs to loans | 0.2811% | 1,402 |
| Credit loss provision to net charge-offs | -157.4803% | 5,517 |
| Earnings coverage of net charge-offs (x) | -7.0787% | 4,622 |
| Efficiency ratio | 144.7264% | 65 |
| Assets per employee ($millions) | 3.2192% | 5,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6249% | 2,212 |
| Loan loss allowance to noncurrent loans | 90.0258% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 1.8178% | 1,627 |
| Noncurrent loans to loans | 1.8050% | 1,790 |
| Net loans and leases to total assets | 72.9254% | 1,694 |
| Net loans and leases to deposits | 87.2340% | 1,761 |
| Net loans and leases to core deposits | 92.0412% | 2,031 |
| Total domestic deposits to total assets | 83.5974% | 3,916 |
| Equity capital to assets | 13.4631% | 1,199 |
| Core capital (leverage) ratio | 13.4744% | 1,006 |
| Tier 1 risk-based capital ratio | 19.5734% | 1,763 |
| Total risk-based capital ratio | 20.8105% | 1,738 |
| Memoranda: | ||
| Average total assets | $89,898,250 | 4,892 |
| Average earning assets | $75,875,750 | 5,043 |
| Average equity | $12,094,000 | 4,370 |
| Average total loans | $60,232,000 | 4,522 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6594% | 4,979 |
| Cost of funding earning assets | 0.7862% | 768 |
| Net interest margin | 2.8732% | 5,780 |
| Noninterest income to average assets | 0.6623% | 2,474 |
| Noninterest expense to average assets | 4.2996% | 551 |
| Loan and lease loss provision to assets | -0.4401% | 6,573 |
| Net operating income to assets | -0.8186% | 6,507 |
| Return on assets (ROA) | -0.8186% | 6,505 |
| Pretax return on assets | -0.7768% | 6,488 |
| Return on Equity (ROE) | -6.0861% | 6,459 |
| Retained earnings to average equity (ytd only) | -6.0861% | 6,299 |
| Net charge-offs to loans | 0.0884% | 2,803 |
| Credit loss provision to net charge-offs | -769.2308% | 5,674 |
| Earnings coverage of net charge-offs (x) | -21.2692% | 4,337 |
| Efficiency ratio | 139.4718% | 68 |
| Assets per employee ($millions) | 3.2921% | 5,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9068% | 1,571 |
| Loan loss allowance to noncurrent loans | 90.2516% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 2.3918% | 1,209 |
| Noncurrent loans to loans | 2.1127% | 1,573 |
| Net loans and leases to total assets | 66.4420% | 2,687 |
| Net loans and leases to deposits | 83.3343% | 2,107 |
| Net loans and leases to core deposits | 87.1887% | 2,396 |
| Total domestic deposits to total assets | 79.7295% | 5,300 |
| Equity capital to assets | 13.5699% | 1,132 |
| Core capital (leverage) ratio | 13.5754% | 954 |
| Tier 1 risk-based capital ratio | 20.0272% | 1,678 |
| Total risk-based capital ratio | 21.2658% | 1,650 |
| Memoranda: | ||
| Average total assets | $90,891,330 | 4,911 |
| Average earning assets | $76,570,670 | 5,058 |
| Average equity | $12,224,670 | 4,353 |
| Average total loans | $58,831,670 | 4,588 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5900% | 5,199 |
| Cost of funding earning assets | 0.7847% | 809 |
| Net interest margin | 2.8053% | 5,924 |
| Noninterest income to average assets | 0.8140% | 1,697 |
| Noninterest expense to average assets | 4.1178% | 664 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.9620% | 6,568 |
| Return on assets (ROA) | -0.9620% | 6,567 |
| Pretax return on assets | -0.9228% | 6,550 |
| Return on Equity (ROE) | -7.1835% | 6,519 |
| Retained earnings to average equity (ytd only) | -7.1835% | 6,254 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.8828% | 124 |
| Assets per employee ($millions) | 3.4413% | 5,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3535% | 961 |
| Loan loss allowance to noncurrent loans | 106.3517% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 2.5437% | 1,243 |
| Noncurrent loans to loans | 2.2129% | 1,638 |
| Net loans and leases to total assets | 63.6669% | 2,956 |
| Net loans and leases to deposits | 80.0399% | 2,288 |
| Net loans and leases to core deposits | 85.4793% | 2,369 |
| Total domestic deposits to total assets | 79.5440% | 5,587 |
| Equity capital to assets | 13.6440% | 1,056 |
| Core capital (leverage) ratio | 13.6521% | 934 |
| Tier 1 risk-based capital ratio | 20.4105% | 1,614 |
| Total risk-based capital ratio | 21.6742% | 1,576 |
| Memoranda: | ||
| Average total assets | $91,893,000 | 4,915 |
| Average earning assets | $77,994,000 | 5,069 |
| Average equity | $12,306,000 | 4,369 |
| Average total loans | $58,144,000 | 4,650 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6859% | 5,176 |
| Cost of funding earning assets | 0.8637% | 891 |
| Net interest margin | 2.8222% | 5,944 |
| Noninterest income to average assets | 0.6414% | 2,856 |
| Noninterest expense to average assets | 3.4868% | 1,686 |
| Loan and lease loss provision to assets | 0.2882% | 1,191 |
| Net operating income to assets | -0.6856% | 6,538 |
| Return on assets (ROA) | -0.6856% | 6,544 |
| Pretax return on assets | -0.6949% | 6,536 |
| Return on Equity (ROE) | -5.1390% | 6,491 |
| Retained earnings to average equity (ytd only) | -5.1390% | 6,380 |
| Net charge-offs to loans | 2.0023% | 191 |
| Credit loss provision to net charge-offs | 23.3528% | 4,384 |
| Earnings coverage of net charge-offs (x) | -0.3294% | 5,170 |
| Efficiency ratio | 113.2019% | 232 |
| Assets per employee ($millions) | 3.4930% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3711% | 960 |
| Loan loss allowance to noncurrent loans | 107.6803% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 2.7929% | 1,175 |
| Noncurrent loans to loans | 2.2019% | 1,773 |
| Net loans and leases to total assets | 59.9877% | 3,724 |
| Net loans and leases to deposits | 74.3449% | 3,213 |
| Net loans and leases to core deposits | 87.6018% | 2,280 |
| Total domestic deposits to total assets | 80.6884% | 5,273 |
| Equity capital to assets | 13.1522% | 1,208 |
| Core capital (leverage) ratio | 13.1863% | 1,059 |
| Tier 1 risk-based capital ratio | 20.6244% | 1,506 |
| Total risk-based capital ratio | 21.8869% | 1,480 |
| Memoranda: | ||
| Average total assets | $97,138,600 | 4,811 |
| Average earning assets | $83,942,600 | 4,933 |
| Average equity | $12,959,600 | 4,276 |
| Average total loans | $59,881,400 | 4,615 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6815% | 5,214 |
| Cost of funding earning assets | 0.8640% | 977 |
| Net interest margin | 2.8175% | 5,988 |
| Noninterest income to average assets | 0.7413% | 2,412 |
| Noninterest expense to average assets | 3.2281% | 2,274 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.0749% | 6,361 |
| Return on assets (ROA) | -0.0749% | 6,399 |
| Pretax return on assets | -0.0341% | 6,345 |
| Return on Equity (ROE) | -0.5598% | 6,389 |
| Retained earnings to average equity (ytd only) | -0.5598% | 6,057 |
| Net charge-offs to loans | 1.3893% | 369 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -0.0397% | 4,863 |
| Efficiency ratio | 101.0666% | 430 |
| Assets per employee ($millions) | 3.8523% | 4,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8585% | 639 |
| Loan loss allowance to noncurrent loans | 28.0939% | 6,050 |
| Noncurrent assets plus other real estate owned to assets | 7.7755% | 238 |
| Noncurrent loans to loans | 10.1749% | 124 |
| Net loans and leases to total assets | 56.4571% | 4,256 |
| Net loans and leases to deposits | 70.4999% | 3,713 |
| Net loans and leases to core deposits | 84.4681% | 2,600 |
| Total domestic deposits to total assets | 80.0811% | 5,487 |
| Equity capital to assets | 13.0061% | 1,329 |
| Core capital (leverage) ratio | 13.0269% | 1,194 |
| Tier 1 risk-based capital ratio | 20.8524% | 1,521 |
| Total risk-based capital ratio | 22.1201% | 1,491 |
| Memoranda: | ||
| Average total assets | $97,845,500 | 4,837 |
| Average earning assets | $85,179,750 | 4,947 |
| Average equity | $13,098,500 | 4,294 |
| Average total loans | $60,364,500 | 4,648 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7497% | 4,989 |
| Cost of funding earning assets | 0.8791% | 989 |
| Net interest margin | 2.8706% | 5,849 |
| Noninterest income to average assets | 0.8076% | 2,155 |
| Noninterest expense to average assets | 3.3047% | 2,055 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0288% | 6,333 |
| Return on assets (ROA) | -0.0288% | 6,389 |
| Pretax return on assets | 0.0124% | 6,339 |
| Return on Equity (ROE) | -0.2134% | 6,383 |
| Retained earnings to average equity (ytd only) | -0.2134% | 5,896 |
| Net charge-offs to loans | 1.4243% | 380 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.0138% | 4,550 |
| Efficiency ratio | 99.6273% | 499 |
| Assets per employee ($millions) | 3.8897% | 4,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1278% | 510 |
| Loan loss allowance to noncurrent loans | 27.4365% | 6,108 |
| Noncurrent assets plus other real estate owned to assets | 8.3068% | 230 |
| Noncurrent loans to loans | 11.4001% | 104 |
| Net loans and leases to total assets | 54.7928% | 4,479 |
| Net loans and leases to deposits | 70.9469% | 3,593 |
| Net loans and leases to core deposits | 86.1904% | 2,316 |
| Total domestic deposits to total assets | 77.2307% | 6,095 |
| Equity capital to assets | 12.4516% | 1,608 |
| Core capital (leverage) ratio | 12.4627% | 1,375 |
| Tier 1 risk-based capital ratio | 20.3070% | 1,651 |
| Total risk-based capital ratio | 21.5764% | 1,623 |
| Memoranda: | ||
| Average total assets | $97,073,670 | 4,883 |
| Average earning assets | $84,860,670 | 4,986 |
| Average equity | $13,122,330 | 4,320 |
| Average total loans | $61,082,000 | 4,642 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0771% | 3,818 |
| Cost of funding earning assets | 0.9273% | 858 |
| Net interest margin | 3.1498% | 5,091 |
| Noninterest income to average assets | 0.7820% | 2,204 |
| Noninterest expense to average assets | 3.3599% | 1,928 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1375% | 6,074 |
| Return on assets (ROA) | 0.1375% | 6,170 |
| Pretax return on assets | 0.1805% | 6,113 |
| Return on Equity (ROE) | 0.9738% | 6,227 |
| Retained earnings to average equity (ytd only) | 0.9738% | 5,455 |
| Net charge-offs to loans | 0.9948% | 614 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.2727% | 3,728 |
| Efficiency ratio | 94.9029% | 779 |
| Assets per employee ($millions) | 3.4195% | 5,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5490% | 401 |
| Loan loss allowance to noncurrent loans | 31.2765% | 5,981 |
| Noncurrent assets plus other real estate owned to assets | 9.3321% | 226 |
| Noncurrent loans to loans | 11.3473% | 159 |
| Net loans and leases to total assets | 62.9628% | 2,890 |
| Net loans and leases to deposits | 80.6244% | 2,002 |
| Net loans and leases to core deposits | 90.6272% | 1,647 |
| Total domestic deposits to total assets | 78.0939% | 6,104 |
| Equity capital to assets | 14.2549% | 951 |
| Core capital (leverage) ratio | 14.2271% | 737 |
| Tier 1 risk-based capital ratio | 21.3377% | 1,466 |
| Total risk-based capital ratio | 22.6149% | 1,435 |
| Memoranda: | ||
| Average total assets | $93,099,000 | 5,025 |
| Average earning assets | $81,528,000 | 5,100 |
| Average equity | $13,145,000 | 4,358 |
| Average total loans | $61,921,500 | 4,636 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0814% | 1,347 |
| Cost of funding earning assets | 1.0935% | 933 |
| Net interest margin | 3.9879% | 2,443 |
| Noninterest income to average assets | 0.3730% | 4,812 |
| Noninterest expense to average assets | 3.7662% | 1,306 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.0976% | 6,283 |
| Return on assets (ROA) | -0.0976% | 6,383 |
| Pretax return on assets | 0.0672% | 6,199 |
| Return on Equity (ROE) | -0.6790% | 6,366 |
| Retained earnings to average equity (ytd only) | -0.6790% | 5,972 |
| Net charge-offs to loans | 1.0350% | 1,039 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 0.0838% | 5,449 |
| Efficiency ratio | 98.2461% | 619 |
| Assets per employee ($millions) | 3.3526% | 5,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6069% | 392 |
| Loan loss allowance to noncurrent loans | 34.3161% | 5,882 |
| Noncurrent assets plus other real estate owned to assets | 8.7108% | 297 |
| Noncurrent loans to loans | 10.5108% | 207 |
| Net loans and leases to total assets | 65.2804% | 2,654 |
| Net loans and leases to deposits | 83.1897% | 1,854 |
| Net loans and leases to core deposits | 92.9640% | 1,558 |
| Total domestic deposits to total assets | 78.4717% | 5,999 |
| Equity capital to assets | 13.9861% | 1,049 |
| Core capital (leverage) ratio | 13.9586% | 814 |
| Tier 1 risk-based capital ratio | 20.7515% | 1,515 |
| Total risk-based capital ratio | 22.0316% | 1,479 |
| Memoranda: | ||
| Average total assets | $92,216,000 | 5,020 |
| Average earning assets | $80,017,800 | 5,124 |
| Average equity | $13,254,000 | 4,306 |
| Average total loans | $71,494,600 | 4,301 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3505% | 923 |
| Cost of funding earning assets | 1.1285% | 948 |
| Net interest margin | 4.2220% | 1,675 |
| Noninterest income to average assets | 0.6826% | 2,802 |
| Noninterest expense to average assets | 4.0506% | 871 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.0959% | 6,136 |
| Return on assets (ROA) | 0.0959% | 6,277 |
| Pretax return on assets | 0.2832% | 5,989 |
| Return on Equity (ROE) | 0.6624% | 6,310 |
| Retained earnings to average equity (ytd only) | 0.6624% | 5,887 |
| Net charge-offs to loans | 1.1523% | 871 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.3071% | 5,169 |
| Efficiency ratio | 93.4651% | 811 |
| Assets per employee ($millions) | 3.9611% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4615% | 481 |
| Loan loss allowance to noncurrent loans | 38.5159% | 5,717 |
| Noncurrent assets plus other real estate owned to assets | 8.7402% | 322 |
| Noncurrent loans to loans | 8.9871% | 307 |
| Net loans and leases to total assets | 70.3493% | 1,845 |
| Net loans and leases to deposits | 89.7367% | 1,179 |
| Net loans and leases to core deposits | 100.9936% | 1,056 |
| Total domestic deposits to total assets | 78.3952% | 5,993 |
| Equity capital to assets | 13.9744% | 1,166 |
| Core capital (leverage) ratio | 13.9576% | 847 |
| Tier 1 risk-based capital ratio | 19.6533% | 1,840 |
| Total risk-based capital ratio | 20.9319% | 1,807 |
| Memoranda: | ||
| Average total assets | $91,802,000 | 5,084 |
| Average earning assets | $79,392,250 | 5,199 |
| Average equity | $13,285,250 | 4,344 |
| Average total loans | $73,475,000 | 4,277 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5980% | 578 |
| Cost of funding earning assets | 1.1815% | 891 |
| Net interest margin | 4.4165% | 1,159 |
| Noninterest income to average assets | 0.6813% | 2,766 |
| Noninterest expense to average assets | 3.9311% | 1,036 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3550% | 5,408 |
| Return on assets (ROA) | 0.3550% | 5,629 |
| Pretax return on assets | 0.5578% | 5,284 |
| Return on Equity (ROE) | 2.4237% | 5,908 |
| Retained earnings to average equity (ytd only) | 2.4237% | 4,979 |
| Net charge-offs to loans | 1.5840% | 599 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.4266% | 4,862 |
| Efficiency ratio | 87.5737% | 1,273 |
| Assets per employee ($millions) | 3.5458% | 4,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3176% | 579 |
| Loan loss allowance to noncurrent loans | 47.9937% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 7.7752% | 454 |
| Noncurrent loans to loans | 6.9126% | 571 |
| Net loans and leases to total assets | 77.1301% | 826 |
| Net loans and leases to deposits | 99.0059% | 468 |
| Net loans and leases to core deposits | 111.4111% | 524 |
| Total domestic deposits to total assets | 77.9046% | 6,174 |
| Equity capital to assets | 14.5133% | 913 |
| Core capital (leverage) ratio | 14.4953% | 695 |
| Tier 1 risk-based capital ratio | 19.1486% | 1,925 |
| Total risk-based capital ratio | 20.4257% | 1,895 |
| Memoranda: | ||
| Average total assets | $90,713,670 | 5,147 |
| Average earning assets | $78,206,000 | 5,263 |
| Average equity | $13,285,330 | 4,342 |
| Average total loans | $74,874,330 | 4,257 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6949% | 521 |
| Cost of funding earning assets | 1.2322% | 837 |
| Net interest margin | 4.4627% | 1,080 |
| Noninterest income to average assets | 0.5024% | 3,896 |
| Noninterest expense to average assets | 3.8544% | 1,124 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1689% | 6,066 |
| Return on assets (ROA) | 0.1689% | 6,206 |
| Pretax return on assets | 0.4801% | 5,490 |
| Return on Equity (ROE) | 1.1482% | 6,319 |
| Retained earnings to average equity (ytd only) | 1.1482% | 5,628 |
| Net charge-offs to loans | 2.2558% | 390 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.2535% | 4,239 |
| Efficiency ratio | 88.9231% | 1,184 |
| Assets per employee ($millions) | 3.0898% | 5,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5075% | 533 |
| Loan loss allowance to noncurrent loans | 45.7529% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 9.0386% | 386 |
| Noncurrent loans to loans | 7.6661% | 532 |
| Net loans and leases to total assets | 80.0402% | 398 |
| Net loans and leases to deposits | 103.2923% | 279 |
| Net loans and leases to core deposits | 120.8404% | 297 |
| Total domestic deposits to total assets | 77.4890% | 6,337 |
| Equity capital to assets | 14.7949% | 784 |
| Core capital (leverage) ratio | 14.7755% | 638 |
| Tier 1 risk-based capital ratio | 19.0599% | 1,970 |
| Total risk-based capital ratio | 20.3402% | 1,932 |
| Memoranda: | ||
| Average total assets | $89,975,000 | 5,210 |
| Average earning assets | $77,262,500 | 5,319 |
| Average equity | $13,238,000 | 4,364 |
| Average total loans | $75,538,000 | 4,254 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5334% | 1,088 |
| Cost of funding earning assets | 1.4020% | 1,033 |
| Net interest margin | 4.1313% | 2,302 |
| Noninterest income to average assets | 0.8665% | 1,782 |
| Noninterest expense to average assets | 4.3067% | 714 |
| Loan and lease loss provision to assets | 0.1451% | 4,798 |
| Net operating income to assets | -0.0688% | 6,128 |
| Return on assets (ROA) | -0.0688% | 6,214 |
| Pretax return on assets | -0.0215% | 6,151 |
| Return on Equity (ROE) | -0.4800% | 6,205 |
| Retained earnings to average equity (ytd only) | -0.4800% | 5,933 |
| Net charge-offs to loans | 0.3709% | 3,553 |
| Credit loss provision to net charge-offs | 46.2329% | 5,508 |
| Earnings coverage of net charge-offs (x) | 0.3938% | 5,523 |
| Efficiency ratio | 97.2094% | 763 |
| Assets per employee ($millions) | 3.1153% | 5,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3590% | 592 |
| Loan loss allowance to noncurrent loans | 39.6493% | 5,624 |
| Noncurrent assets plus other real estate owned to assets | 9.2877% | 381 |
| Noncurrent loans to loans | 8.4718% | 449 |
| Net loans and leases to total assets | 82.0975% | 333 |
| Net loans and leases to deposits | 106.8823% | 228 |
| Net loans and leases to core deposits | 116.4526% | 436 |
| Total domestic deposits to total assets | 76.8111% | 6,365 |
| Equity capital to assets | 14.6317% | 865 |
| Core capital (leverage) ratio | 14.6232% | 685 |
| Tier 1 risk-based capital ratio | 18.6513% | 2,004 |
| Total risk-based capital ratio | 19.9305% | 1,959 |
| Memoranda: | ||
| Average total assets | $93,017,400 | 5,100 |
| Average earning assets | $80,240,600 | 5,225 |
| Average equity | $13,334,000 | 4,274 |
| Average total loans | $78,734,400 | 4,179 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4084% | 1,490 |
| Cost of funding earning assets | 1.4455% | 1,039 |
| Net interest margin | 3.9628% | 3,087 |
| Noninterest income to average assets | 0.7301% | 2,413 |
| Noninterest expense to average assets | 3.8667% | 1,203 |
| Loan and lease loss provision to assets | 0.1921% | 4,098 |
| Net operating income to assets | 0.0498% | 6,078 |
| Return on assets (ROA) | 0.0498% | 6,175 |
| Pretax return on assets | 0.0968% | 6,103 |
| Return on Equity (ROE) | 0.3493% | 6,189 |
| Retained earnings to average equity (ytd only) | 0.3493% | 5,847 |
| Net charge-offs to loans | 0.4056% | 3,102 |
| Credit loss provision to net charge-offs | 56.0166% | 4,896 |
| Earnings coverage of net charge-offs (x) | 0.8423% | 4,983 |
| Efficiency ratio | 93.0479% | 967 |
| Assets per employee ($millions) | 3.3607% | 5,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3731% | 623 |
| Loan loss allowance to noncurrent loans | 38.1577% | 5,743 |
| Noncurrent assets plus other real estate owned to assets | 9.1413% | 427 |
| Noncurrent loans to loans | 8.8400% | 456 |
| Net loans and leases to total assets | 79.6971% | 544 |
| Net loans and leases to deposits | 102.7554% | 361 |
| Net loans and leases to core deposits | 111.0708% | 632 |
| Total domestic deposits to total assets | 77.5600% | 6,283 |
| Equity capital to assets | 14.1530% | 1,098 |
| Core capital (leverage) ratio | 14.1448% | 870 |
| Tier 1 risk-based capital ratio | 18.7058% | 2,028 |
| Total risk-based capital ratio | 19.9553% | 1,985 |
| Memoranda: | ||
| Average total assets | $93,685,500 | 5,115 |
| Average earning assets | $80,983,500 | 5,242 |
| Average equity | $13,362,750 | 4,279 |
| Average total loans | $79,230,750 | 4,201 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5263% | 1,241 |
| Cost of funding earning assets | 1.5227% | 929 |
| Net interest margin | 4.0036% | 2,817 |
| Noninterest income to average assets | 0.7504% | 2,259 |
| Noninterest expense to average assets | 3.4571% | 2,102 |
| Loan and lease loss provision to assets | 0.2566% | 3,347 |
| Net operating income to assets | 0.4468% | 4,735 |
| Return on assets (ROA) | 0.4468% | 4,874 |
| Pretax return on assets | 0.4939% | 5,096 |
| Return on Equity (ROE) | 3.1246% | 5,349 |
| Retained earnings to average equity (ytd only) | 3.1246% | 4,288 |
| Net charge-offs to loans | 0.2708% | 3,529 |
| Credit loss provision to net charge-offs | 111.1111% | 2,755 |
| Earnings coverage of net charge-offs (x) | 3.2500% | 3,244 |
| Efficiency ratio | 82.1646% | 2,077 |
| Assets per employee ($millions) | 2.9458% | 6,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3334% | 683 |
| Loan loss allowance to noncurrent loans | 95.1407% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 5.0482% | 1,210 |
| Noncurrent loans to loans | 3.5036% | 2,017 |
| Net loans and leases to total assets | 82.6936% | 324 |
| Net loans and leases to deposits | 107.5651% | 225 |
| Net loans and leases to core deposits | 118.1380% | 468 |
| Total domestic deposits to total assets | 76.8778% | 6,469 |
| Equity capital to assets | 14.7746% | 874 |
| Core capital (leverage) ratio | 14.7662% | 714 |
| Tier 1 risk-based capital ratio | 18.8793% | 1,878 |
| Total risk-based capital ratio | 20.1297% | 1,848 |
| Memoranda: | ||
| Average total assets | $93,547,330 | 5,148 |
| Average earning assets | $80,776,670 | 5,298 |
| Average equity | $13,377,670 | 4,261 |
| Average total loans | $79,770,000 | 4,225 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5698% | 1,122 |
| Cost of funding earning assets | 1.5942% | 837 |
| Net interest margin | 3.9756% | 2,792 |
| Noninterest income to average assets | 0.7479% | 2,264 |
| Noninterest expense to average assets | 3.5664% | 1,835 |
| Loan and lease loss provision to assets | 0.2535% | 3,124 |
| Net operating income to assets | 0.3169% | 5,323 |
| Return on assets (ROA) | 0.3169% | 5,400 |
| Pretax return on assets | 0.3634% | 5,459 |
| Return on Equity (ROE) | 2.2522% | 5,699 |
| Retained earnings to average equity (ytd only) | 2.2522% | 4,799 |
| Net charge-offs to loans | 0.7742% | 1,664 |
| Credit loss provision to net charge-offs | 38.4615% | 3,979 |
| Earnings coverage of net charge-offs (x) | 0.9359% | 3,951 |
| Efficiency ratio | 85.2525% | 1,804 |
| Assets per employee ($millions) | 2.9164% | 6,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1502% | 803 |
| Loan loss allowance to noncurrent loans | 88.5106% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 5.3469% | 1,153 |
| Noncurrent loans to loans | 3.5592% | 2,088 |
| Net loans and leases to total assets | 82.2245% | 331 |
| Net loans and leases to deposits | 109.1147% | 194 |
| Net loans and leases to core deposits | 119.8045% | 421 |
| Total domestic deposits to total assets | 75.3560% | 6,754 |
| Equity capital to assets | 14.3134% | 926 |
| Core capital (leverage) ratio | 14.3052% | 774 |
| Tier 1 risk-based capital ratio | 18.2728% | 2,031 |
| Total risk-based capital ratio | 19.5225% | 1,985 |
| Memoranda: | ||
| Average total assets | $94,661,500 | 5,149 |
| Average earning assets | $81,798,500 | 5,305 |
| Average equity | $13,320,500 | 4,259 |
| Average total loans | $80,595,500 | 4,233 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5436% | 2,111 |
| Cost of funding earning assets | 1.8703% | 940 |
| Net interest margin | 3.6733% | 4,476 |
| Noninterest income to average assets | 0.4074% | 4,845 |
| Noninterest expense to average assets | 3.6998% | 1,698 |
| Loan and lease loss provision to assets | 0.4607% | 3,365 |
| Net operating income to assets | -3.1459% | 7,326 |
| Return on assets (ROA) | -3.1459% | 7,342 |
| Pretax return on assets | -0.6286% | 6,417 |
| Return on Equity (ROE) | -20.2745% | 7,044 |
| Retained earnings to average equity (ytd only) | -20.2745% | 7,018 |
| Net charge-offs to loans | -0.0897% | 7,493 |
| Credit loss provision to net charge-offs | -616.4384% | 7,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.7536% | 652 |
| Assets per employee ($millions) | 2.9090% | 6,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1626% | 757 |
| Loan loss allowance to noncurrent loans | 86.4000% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 5.3970% | 1,150 |
| Noncurrent loans to loans | 3.6604% | 2,039 |
| Net loans and leases to total assets | 82.6757% | 405 |
| Net loans and leases to deposits | 110.9873% | 215 |
| Net loans and leases to core deposits | 122.8686% | 451 |
| Total domestic deposits to total assets | 74.4911% | 6,830 |
| Equity capital to assets | 13.8367% | 1,088 |
| Core capital (leverage) ratio | 13.8287% | 882 |
| Tier 1 risk-based capital ratio | 17.4568% | 2,192 |
| Total risk-based capital ratio | 18.7062% | 2,159 |
| Memoranda: | ||
| Average total assets | $97,681,800 | 5,053 |
| Average earning assets | $83,086,600 | 5,248 |
| Average equity | $15,157,000 | 3,916 |
| Average total loans | $81,367,600 | 4,301 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5074% | 2,401 |
| Cost of funding earning assets | 1.9096% | 998 |
| Net interest margin | 3.5978% | 4,886 |
| Noninterest income to average assets | 0.2773% | 5,888 |
| Noninterest expense to average assets | 3.4140% | 2,252 |
| Loan and lease loss provision to assets | 0.5097% | 2,908 |
| Net operating income to assets | -3.9617% | 7,568 |
| Return on assets (ROA) | -3.9617% | 7,582 |
| Pretax return on assets | -0.5994% | 6,613 |
| Return on Equity (ROE) | -24.8733% | 7,315 |
| Retained earnings to average equity (ytd only) | -24.8733% | 7,303 |
| Net charge-offs to loans | -0.1001% | 7,555 |
| Credit loss provision to net charge-offs | -614.7541% | 7,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6983% | 665 |
| Assets per employee ($millions) | 2.9882% | 6,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0741% | 774 |
| Loan loss allowance to noncurrent loans | 82.9252% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 5.6326% | 1,088 |
| Noncurrent loans to loans | 3.7071% | 2,098 |
| Net loans and leases to total assets | 82.6306% | 435 |
| Net loans and leases to deposits | 110.7757% | 240 |
| Net loans and leases to core deposits | 119.2937% | 636 |
| Total domestic deposits to total assets | 74.5927% | 6,845 |
| Equity capital to assets | 14.0564% | 1,151 |
| Core capital (leverage) ratio | 14.0483% | 912 |
| Tier 1 risk-based capital ratio | 17.5208% | 2,168 |
| Total risk-based capital ratio | 18.7705% | 2,139 |
| Memoranda: | ||
| Average total assets | $98,102,750 | 5,106 |
| Average earning assets | $83,086,750 | 5,304 |
| Average equity | $15,625,500 | 3,872 |
| Average total loans | $81,219,750 | 4,375 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5624% | 2,283 |
| Cost of funding earning assets | 1.9164% | 1,179 |
| Net interest margin | 3.6460% | 4,598 |
| Noninterest income to average assets | 0.7359% | 2,475 |
| Noninterest expense to average assets | 3.3114% | 2,530 |
| Loan and lease loss provision to assets | 0.6065% | 2,367 |
| Net operating income to assets | -0.0546% | 6,158 |
| Return on assets (ROA) | -0.0546% | 6,250 |
| Pretax return on assets | -0.1051% | 6,252 |
| Return on Equity (ROE) | -0.3302% | 6,218 |
| Retained earnings to average equity (ytd only) | -0.3302% | 5,799 |
| Net charge-offs to loans | -0.5646% | 7,739 |
| Credit loss provision to net charge-offs | -131.0044% | 6,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8505% | 1,614 |
| Assets per employee ($millions) | 2.6855% | 6,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3332% | 623 |
| Loan loss allowance to noncurrent loans | 42.8571% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 8.2150% | 591 |
| Noncurrent loans to loans | 7.7774% | 674 |
| Net loans and leases to total assets | 77.9358% | 1,127 |
| Net loans and leases to deposits | 106.9375% | 354 |
| Net loans and leases to core deposits | 117.1388% | 801 |
| Total domestic deposits to total assets | 72.8798% | 7,108 |
| Equity capital to assets | 16.8903% | 543 |
| Core capital (leverage) ratio | 14.7320% | 779 |
| Tier 1 risk-based capital ratio | 17.5127% | 2,098 |
| Total risk-based capital ratio | 18.7629% | 2,063 |
| Memoranda: | ||
| Average total assets | $98,929,670 | 5,115 |
| Average earning assets | $83,489,670 | 5,315 |
| Average equity | $16,353,670 | 3,744 |
| Average total loans | $81,120,000 | 4,414 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6509% | 1,959 |
| Cost of funding earning assets | 1.9292% | 1,326 |
| Net interest margin | 3.7217% | 4,141 |
| Noninterest income to average assets | 0.6796% | 2,740 |
| Noninterest expense to average assets | 3.1382% | 3,111 |
| Loan and lease loss provision to assets | 0.5997% | 2,118 |
| Net operating income to assets | 0.0800% | 6,080 |
| Return on assets (ROA) | 0.0800% | 6,190 |
| Pretax return on assets | 0.0959% | 6,149 |
| Return on Equity (ROE) | 0.4888% | 6,271 |
| Retained earnings to average equity (ytd only) | 0.4888% | 5,636 |
| Net charge-offs to loans | -0.7206% | 7,830 |
| Credit loss provision to net charge-offs | -100.6711% | 6,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8561% | 2,287 |
| Assets per employee ($millions) | 2.7531% | 6,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8725% | 921 |
| Loan loss allowance to noncurrent loans | 30.6935% | 6,362 |
| Noncurrent assets plus other real estate owned to assets | 9.2432% | 464 |
| Noncurrent loans to loans | 9.3585% | 487 |
| Net loans and leases to total assets | 80.7882% | 737 |
| Net loans and leases to deposits | 111.4312% | 263 |
| Net loans and leases to core deposits | 125.1172% | 608 |
| Total domestic deposits to total assets | 72.5005% | 7,216 |
| Equity capital to assets | 16.5229% | 599 |
| Core capital (leverage) ratio | 14.4345% | 868 |
| Tier 1 risk-based capital ratio | 16.7882% | 2,350 |
| Total risk-based capital ratio | 18.0379% | 2,301 |
| Memoranda: | ||
| Average total assets | $100,056,000 | 5,145 |
| Average earning assets | $84,801,000 | 5,344 |
| Average equity | $16,366,000 | 3,769 |
| Average total loans | $82,708,000 | 4,420 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2299% | 5,510 |
| Cost of funding earning assets | 2.2428% | 1,860 |
| Net interest margin | 2.9871% | 6,679 |
| Noninterest income to average assets | 0.7647% | 2,588 |
| Noninterest expense to average assets | 3.3208% | 2,945 |
| Loan and lease loss provision to assets | 2.3938% | 844 |
| Net operating income to assets | -1.5351% | 6,878 |
| Return on assets (ROA) | -1.5351% | 6,885 |
| Pretax return on assets | -2.3530% | 7,088 |
| Return on Equity (ROE) | -9.2256% | 6,559 |
| Retained earnings to average equity (ytd only) | -9.2256% | 6,455 |
| Net charge-offs to loans | 1.6810% | 1,505 |
| Credit loss provision to net charge-offs | 171.0508% | 2,489 |
| Earnings coverage of net charge-offs (x) | 0.0292% | 6,160 |
| Efficiency ratio | 98.7863% | 1,164 |
| Assets per employee ($millions) | 2.6579% | 6,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4922% | 1,238 |
| Loan loss allowance to noncurrent loans | 32.4698% | 6,290 |
| Noncurrent assets plus other real estate owned to assets | 7.6831% | 616 |
| Noncurrent loans to loans | 7.6755% | 674 |
| Net loans and leases to total assets | 80.1081% | 976 |
| Net loans and leases to deposits | 111.5446% | 329 |
| Net loans and leases to core deposits | 141.8230% | 739 |
| Total domestic deposits to total assets | 71.8171% | 7,263 |
| Equity capital to assets | 16.1939% | 672 |
| Core capital (leverage) ratio | 16.1864% | 591 |
| Tier 1 risk-based capital ratio | 21.3049% | 1,248 |
| Total risk-based capital ratio | 22.5547% | 1,220 |
| Memoranda: | ||
| Average total assets | $105,397,600 | 4,947 |
| Average earning assets | $91,626,800 | 5,072 |
| Average equity | $17,538,200 | 3,579 |
| Average total loans | $87,742,800 | 4,274 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1975% | 5,888 |
| Cost of funding earning assets | 2.3009% | 1,983 |
| Net interest margin | 2.8966% | 6,869 |
| Noninterest income to average assets | 0.6473% | 3,363 |
| Noninterest expense to average assets | 3.3152% | 2,852 |
| Loan and lease loss provision to assets | 0.7462% | 2,503 |
| Net operating income to assets | -0.5659% | 6,493 |
| Return on assets (ROA) | -0.5659% | 6,490 |
| Pretax return on assets | -0.8814% | 6,594 |
| Return on Equity (ROE) | -3.3793% | 6,283 |
| Retained earnings to average equity (ytd only) | -3.3793% | 6,002 |
| Net charge-offs to loans | 0.8575% | 2,253 |
| Credit loss provision to net charge-offs | 104.1958% | 4,881 |
| Earnings coverage of net charge-offs (x) | -0.1888% | 6,282 |
| Efficiency ratio | 104.2520% | 910 |
| Assets per employee ($millions) | 2.7451% | 6,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 5,176 |
| Loan loss allowance to noncurrent loans | 15.7427% | 7,295 |
| Noncurrent assets plus other real estate owned to assets | 7.2454% | 642 |
| Noncurrent loans to loans | 7.5479% | 679 |
| Net loans and leases to total assets | 83.3054% | 635 |
| Net loans and leases to deposits | 117.1396% | 251 |
| Net loans and leases to core deposits | 185.0235% | 157 |
| Total domestic deposits to total assets | 71.1163% | 7,321 |
| Equity capital to assets | 16.7972% | 661 |
| Core capital (leverage) ratio | 16.7900% | 582 |
| Tier 1 risk-based capital ratio | 20.6004% | 1,441 |
| Total risk-based capital ratio | 21.8296% | 1,398 |
| Memoranda: | ||
| Average total assets | $106,496,750 | 4,946 |
| Average earning assets | $93,119,250 | 5,067 |
| Average equity | $17,833,750 | 3,555 |
| Average total loans | $88,934,000 | 4,282 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2209% | 6,000 |
| Cost of funding earning assets | 2.3431% | 2,190 |
| Net interest margin | 2.8778% | 6,851 |
| Noninterest income to average assets | 0.7032% | 2,973 |
| Noninterest expense to average assets | 3.3705% | 2,721 |
| Loan and lease loss provision to assets | 0.1679% | 5,386 |
| Net operating income to assets | -0.1940% | 6,180 |
| Return on assets (ROA) | -0.1940% | 6,203 |
| Pretax return on assets | -0.3152% | 6,248 |
| Return on Equity (ROE) | -1.1596% | 6,093 |
| Retained earnings to average equity (ytd only) | -1.1596% | 5,523 |
| Net charge-offs to loans | 0.4616% | 2,981 |
| Credit loss provision to net charge-offs | 43.6893% | 5,848 |
| Earnings coverage of net charge-offs (x) | -0.3835% | 6,011 |
| Efficiency ratio | 104.5718% | 1,011 |
| Assets per employee ($millions) | 2.8604% | 6,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 5,398 |
| Loan loss allowance to noncurrent loans | 13.1872% | 7,422 |
| Noncurrent assets plus other real estate owned to assets | 8.1326% | 460 |
| Noncurrent loans to loans | 8.5548% | 481 |
| Net loans and leases to total assets | 83.2255% | 752 |
| Net loans and leases to deposits | 119.2333% | 253 |
| Net loans and leases to core deposits | 154.8360% | 546 |
| Total domestic deposits to total assets | 69.8005% | 7,493 |
| Equity capital to assets | 16.8851% | 680 |
| Core capital (leverage) ratio | 16.8780% | 628 |
| Tier 1 risk-based capital ratio | 20.4591% | 1,493 |
| Total risk-based capital ratio | 21.6103% | 1,467 |
| Memoranda: | ||
| Average total assets | $107,224,000 | 4,959 |
| Average earning assets | $93,891,000 | 5,071 |
| Average equity | $17,937,670 | 3,559 |
| Average total loans | $89,263,670 | 4,296 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2615% | 6,064 |
| Cost of funding earning assets | 2.4343% | 2,162 |
| Net interest margin | 2.8273% | 6,935 |
| Noninterest income to average assets | 0.6264% | 3,370 |
| Noninterest expense to average assets | 2.9874% | 3,821 |
| Loan and lease loss provision to assets | 0.1668% | 4,794 |
| Net operating income to assets | -0.0185% | 6,284 |
| Return on assets (ROA) | -0.0185% | 6,415 |
| Pretax return on assets | -0.0482% | 6,430 |
| Return on Equity (ROE) | -0.1113% | 6,419 |
| Retained earnings to average equity (ytd only) | -0.1113% | 5,670 |
| Net charge-offs to loans | 0.8416% | 1,549 |
| Credit loss provision to net charge-offs | 23.9362% | 5,026 |
| Earnings coverage of net charge-offs (x) | 0.1702% | 4,845 |
| Efficiency ratio | 96.1814% | 1,312 |
| Assets per employee ($millions) | 2.9473% | 6,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1014% | 5,462 |
| Loan loss allowance to noncurrent loans | 16.4315% | 7,341 |
| Noncurrent assets plus other real estate owned to assets | 6.5002% | 574 |
| Noncurrent loans to loans | 6.7027% | 626 |
| Net loans and leases to total assets | 82.7697% | 890 |
| Net loans and leases to deposits | 115.3216% | 404 |
| Net loans and leases to core deposits | 149.1188% | 739 |
| Total domestic deposits to total assets | 71.7730% | 7,241 |
| Equity capital to assets | 16.9353% | 730 |
| Core capital (leverage) ratio | 16.9282% | 665 |
| Tier 1 risk-based capital ratio | 20.9083% | 1,464 |
| Total risk-based capital ratio | 22.0468% | 1,452 |
| Memoranda: | ||
| Average total assets | $107,919,500 | 4,957 |
| Average earning assets | $94,649,000 | 5,069 |
| Average equity | $17,971,500 | 3,564 |
| Average total loans | $89,353,000 | 4,330 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3510% | 3,690 |
| Cost of funding earning assets | 2.7961% | 2,723 |
| Net interest margin | 3.5549% | 5,074 |
| Noninterest income to average assets | 0.5671% | 4,101 |
| Noninterest expense to average assets | 3.8970% | 1,565 |
| Loan and lease loss provision to assets | 0.5643% | 2,561 |
| Net operating income to assets | -0.4820% | 6,910 |
| Return on assets (ROA) | -0.4820% | 6,787 |
| Pretax return on assets | -0.7588% | 6,854 |
| Return on Equity (ROE) | -2.9232% | 6,612 |
| Retained earnings to average equity (ytd only) | -2.9232% | 6,089 |
| Net charge-offs to loans | 0.4839% | 2,422 |
| Credit loss provision to net charge-offs | 138.9755% | 3,820 |
| Earnings coverage of net charge-offs (x) | -0.4788% | 6,478 |
| Efficiency ratio | 105.2516% | 827 |
| Assets per employee ($millions) | 2.9658% | 6,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 4,187 |
| Loan loss allowance to noncurrent loans | 20.3896% | 7,219 |
| Noncurrent assets plus other real estate owned to assets | 6.0810% | 484 |
| Noncurrent loans to loans | 6.1097% | 572 |
| Net loans and leases to total assets | 80.9095% | 1,465 |
| Net loans and leases to deposits | 114.9378% | 573 |
| Net loans and leases to core deposits | 146.9018% | 984 |
| Total domestic deposits to total assets | 70.3941% | 7,233 |
| Equity capital to assets | 16.3795% | 867 |
| Core capital (leverage) ratio | 16.3726% | 773 |
| Tier 1 risk-based capital ratio | 20.4818% | 1,539 |
| Total risk-based capital ratio | 21.7313% | 1,505 |
| Memoranda: | ||
| Average total assets | $110,572,000 | 4,761 |
| Average earning assets | $97,527,800 | 4,873 |
| Average equity | $18,233,400 | 3,516 |
| Average total loans | $92,794,200 | 4,140 |