Home > Platinum Bank > Performance and Condition Ratios
Platinum Bank, Performance and Condition Ratios
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9769% | 140 |
| Cost of funding earning assets | 1.0104% | 355 |
| Net interest margin | 4.9665% | 241 |
| Noninterest income to average assets | 0.2662% | 4,398 |
| Noninterest expense to average assets | 2.8851% | 2,425 |
| Loan and lease loss provision to assets | 0.5598% | 186 |
| Net operating income to assets | 0.8119% | 3,659 |
| Return on assets (ROA) | -0.5148% | 5,493 |
| Pretax return on assets | -0.6635% | 5,510 |
| Return on Equity (ROE) | -3.1507% | 5,469 |
| Retained earnings to average equity (ytd only) | -3.1507% | 5,091 |
| Net charge-offs to loans | 1.0992% | 128 |
| Credit loss provision to net charge-offs | 65.1481% | 1,869 |
| Earnings coverage of net charge-offs (x) | 1.8337% | 2,514 |
| Efficiency ratio | 64.3265% | 3,428 |
| Assets per employee ($millions) | 5.8624% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6245% | 1,104 |
| Loan loss allowance to noncurrent loans | 249.8559% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 1.6310% | 825 |
| Noncurrent loans to loans | 0.6502% | 2,600 |
| Net loans and leases to total assets | 79.0248% | 1,078 |
| Net loans and leases to deposits | 97.4806% | 910 |
| Net loans and leases to core deposits | 123.1109% | 496 |
| Total domestic deposits to total assets | 81.0672% | 4,182 |
| Equity capital to assets | 16.7709% | 416 |
| Core capital (leverage) ratio | 13.6822% | 954 |
| Tier 1 risk-based capital ratio | 16.8135% | 2,174 |
| Total risk-based capital ratio | 18.0680% | 2,121 |
| Memoranda: | ||
| Average total assets | $204,361,500 | 2,895 |
| Average earning assets | $172,598,000 | 3,063 |
| Average equity | $33,389,500 | 2,168 |
| Average total loans | $159,749,500 | 2,571 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9239% | 761 |
| Cost of funding earning assets | 0.9068% | 359 |
| Net interest margin | 4.0171% | 1,699 |
| Noninterest income to average assets | 0.1199% | 5,342 |
| Noninterest expense to average assets | 3.1967% | 1,617 |
| Loan and lease loss provision to assets | 0.2451% | 775 |
| Net operating income to assets | 0.3008% | 4,927 |
| Return on assets (ROA) | 0.2874% | 4,965 |
| Pretax return on assets | 0.2593% | 5,255 |
| Return on Equity (ROE) | 1.9626% | 5,061 |
| Retained earnings to average equity (ytd only) | 1.9626% | 4,145 |
| Net charge-offs to loans | 0.3034% | 854 |
| Credit loss provision to net charge-offs | 105.5662% | 2,439 |
| Earnings coverage of net charge-offs (x) | 2.2303% | 3,778 |
| Efficiency ratio | 86.0605% | 641 |
| Assets per employee ($millions) | 4.8698% | 2,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7279% | 895 |
| Loan loss allowance to noncurrent loans | 64.0019% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 2.2225% | 461 |
| Noncurrent loans to loans | 2.6998% | 458 |
| Net loans and leases to total assets | 74.7992% | 1,792 |
| Net loans and leases to deposits | 90.5005% | 1,710 |
| Net loans and leases to core deposits | 112.5085% | 871 |
| Total domestic deposits to total assets | 82.6506% | 3,674 |
| Equity capital to assets | 15.9268% | 524 |
| Core capital (leverage) ratio | 12.9840% | 1,147 |
| Tier 1 risk-based capital ratio | 17.0057% | 2,092 |
| Total risk-based capital ratio | 18.2608% | 2,039 |
| Memoranda: | ||
| Average total assets | $224,419,400 | 2,687 |
| Average earning assets | $200,817,200 | 2,762 |
| Average equity | $32,864,000 | 2,176 |
| Average total loans | $171,738,600 | 2,405 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9198% | 729 |
| Cost of funding earning assets | 0.8936% | 364 |
| Net interest margin | 4.0262% | 1,616 |
| Noninterest income to average assets | 0.0730% | 5,550 |
| Noninterest expense to average assets | 3.3003% | 1,346 |
| Loan and lease loss provision to assets | 0.3214% | 476 |
| Net operating income to assets | 0.0596% | 5,476 |
| Return on assets (ROA) | 0.0672% | 5,477 |
| Pretax return on assets | 0.0631% | 5,479 |
| Return on Equity (ROE) | 0.4683% | 5,482 |
| Retained earnings to average equity (ytd only) | 0.4683% | 5,113 |
| Net charge-offs to loans | 0.5849% | 336 |
| Credit loss provision to net charge-offs | 71.7080% | 2,683 |
| Earnings coverage of net charge-offs (x) | 0.8409% | 3,625 |
| Efficiency ratio | 89.7505% | 418 |
| Assets per employee ($millions) | 4.9832% | 2,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5309% | 1,429 |
| Loan loss allowance to noncurrent loans | 161.1432% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.8702% | 1,977 |
| Noncurrent loans to loans | 0.9501% | 2,024 |
| Net loans and leases to total assets | 73.6011% | 1,977 |
| Net loans and leases to deposits | 88.0653% | 2,053 |
| Net loans and leases to core deposits | 112.9585% | 892 |
| Total domestic deposits to total assets | 83.5756% | 3,266 |
| Equity capital to assets | 15.0361% | 720 |
| Core capital (leverage) ratio | 12.6085% | 1,376 |
| Tier 1 risk-based capital ratio | 16.2013% | 2,417 |
| Total risk-based capital ratio | 17.4541% | 2,368 |
| Memoranda: | ||
| Average total assets | $228,173,750 | 2,678 |
| Average earning assets | $204,259,000 | 2,745 |
| Average equity | $32,742,250 | 2,200 |
| Average total loans | $174,827,000 | 2,392 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8960% | 701 |
| Cost of funding earning assets | 0.8854% | 332 |
| Net interest margin | 4.0106% | 1,571 |
| Noninterest income to average assets | 0.0511% | 5,650 |
| Noninterest expense to average assets | 3.3676% | 1,238 |
| Loan and lease loss provision to assets | 0.5217% | 219 |
| Net operating income to assets | -0.1351% | 5,595 |
| Return on assets (ROA) | -0.1307% | 5,596 |
| Pretax return on assets | -0.2414% | 5,621 |
| Return on Equity (ROE) | -0.9245% | 5,589 |
| Retained earnings to average equity (ytd only) | -0.9245% | 5,223 |
| Net charge-offs to loans | 0.7531% | 259 |
| Credit loss provision to net charge-offs | 89.7321% | 2,145 |
| Earnings coverage of net charge-offs (x) | 0.4702% | 3,373 |
| Efficiency ratio | 92.4905% | 347 |
| Assets per employee ($millions) | 5.1631% | 2,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5402% | 1,433 |
| Loan loss allowance to noncurrent loans | 118.8367% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.9891% | 1,776 |
| Noncurrent loans to loans | 1.2961% | 1,482 |
| Net loans and leases to total assets | 74.7383% | 1,744 |
| Net loans and leases to deposits | 89.8959% | 1,741 |
| Net loans and leases to core deposits | 117.6199% | 657 |
| Total domestic deposits to total assets | 83.1388% | 3,523 |
| Equity capital to assets | 14.4129% | 849 |
| Core capital (leverage) ratio | 11.9422% | 1,667 |
| Tier 1 risk-based capital ratio | 15.3424% | 2,783 |
| Total risk-based capital ratio | 16.5956% | 2,717 |
| Memoranda: | ||
| Average total assets | $231,145,330 | 2,669 |
| Average earning assets | $206,903,330 | 2,734 |
| Average equity | $32,667,000 | 2,196 |
| Average total loans | $178,474,000 | 2,357 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8067% | 734 |
| Cost of funding earning assets | 0.8738% | 324 |
| Net interest margin | 3.9329% | 1,662 |
| Noninterest income to average assets | 0.2402% | 4,816 |
| Noninterest expense to average assets | 3.9394% | 579 |
| Loan and lease loss provision to assets | -0.1167% | 5,758 |
| Net operating income to assets | 0.0034% | 5,602 |
| Return on assets (ROA) | 0.0034% | 5,609 |
| Pretax return on assets | -0.0532% | 5,621 |
| Return on Equity (ROE) | 0.0245% | 5,608 |
| Retained earnings to average equity (ytd only) | 0.0245% | 4,908 |
| Net charge-offs to loans | 0.2513% | 717 |
| Credit loss provision to net charge-offs | -59.6491% | 3,885 |
| Earnings coverage of net charge-offs (x) | -0.8684% | 2,874 |
| Efficiency ratio | 104.5061% | 170 |
| Assets per employee ($millions) | 5.1386% | 2,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4182% | 2,002 |
| Loan loss allowance to noncurrent loans | 167.0828% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.6634% | 2,646 |
| Noncurrent loans to loans | 0.8488% | 2,335 |
| Net loans and leases to total assets | 76.4434% | 1,337 |
| Net loans and leases to deposits | 93.0588% | 1,215 |
| Net loans and leases to core deposits | 122.6637% | 396 |
| Total domestic deposits to total assets | 82.1453% | 4,132 |
| Equity capital to assets | 14.1222% | 870 |
| Core capital (leverage) ratio | 11.9254% | 1,678 |
| Tier 1 risk-based capital ratio | 14.6566% | 3,137 |
| Total risk-based capital ratio | 15.9080% | 3,061 |
| Memoranda: | ||
| Average total assets | $233,129,000 | 2,679 |
| Average earning assets | $209,208,000 | 2,730 |
| Average equity | $32,629,000 | 2,209 |
| Average total loans | $181,488,500 | 2,349 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9386% | 674 |
| Cost of funding earning assets | 0.8909% | 313 |
| Net interest margin | 4.0477% | 1,504 |
| Noninterest income to average assets | 0.2942% | 4,634 |
| Noninterest expense to average assets | 3.1437% | 1,915 |
| Loan and lease loss provision to assets | -0.4035% | 5,864 |
| Net operating income to assets | 0.8082% | 3,268 |
| Return on assets (ROA) | 0.8109% | 3,363 |
| Pretax return on assets | 1.1968% | 2,690 |
| Return on Equity (ROE) | 6.3973% | 3,791 |
| Retained earnings to average equity (ytd only) | 6.3973% | 1,499 |
| Net charge-offs to loans | -0.2835% | 5,791 |
| Credit loss provision to net charge-offs | 184.6154% | 1,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8697% | 1,436 |
| Assets per employee ($millions) | 5.2226% | 2,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4837% | 1,733 |
| Loan loss allowance to noncurrent loans | 139.1726% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.8382% | 2,251 |
| Noncurrent loans to loans | 1.0661% | 1,943 |
| Net loans and leases to total assets | 76.9904% | 1,365 |
| Net loans and leases to deposits | 93.4401% | 1,254 |
| Net loans and leases to core deposits | 120.2520% | 477 |
| Total domestic deposits to total assets | 82.3955% | 3,961 |
| Equity capital to assets | 13.8721% | 930 |
| Core capital (leverage) ratio | 11.2797% | 2,099 |
| Tier 1 risk-based capital ratio | 14.3693% | 3,249 |
| Total risk-based capital ratio | 15.6219% | 3,181 |
| Memoranda: | ||
| Average total assets | $249,834,800 | 2,511 |
| Average earning assets | $224,595,800 | 2,550 |
| Average equity | $31,669,400 | 2,242 |
| Average total loans | $192,589,400 | 2,177 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9570% | 647 |
| Cost of funding earning assets | 0.8852% | 314 |
| Net interest margin | 4.0719% | 1,470 |
| Noninterest income to average assets | 0.2940% | 4,662 |
| Noninterest expense to average assets | 3.2131% | 1,745 |
| Loan and lease loss provision to assets | 0.1430% | 1,633 |
| Net operating income to assets | 0.4132% | 4,974 |
| Return on assets (ROA) | 0.4165% | 5,061 |
| Pretax return on assets | 0.6027% | 4,871 |
| Return on Equity (ROE) | 3.3591% | 5,122 |
| Retained earnings to average equity (ytd only) | 3.3591% | 3,882 |
| Net charge-offs to loans | 0.0739% | 2,264 |
| Credit loss provision to net charge-offs | 251.8519% | 1,190 |
| Earnings coverage of net charge-offs (x) | 13.0460% | 2,337 |
| Efficiency ratio | 81.1810% | 1,280 |
| Assets per employee ($millions) | 5.6334% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7485% | 1,105 |
| Loan loss allowance to noncurrent loans | 127.6571% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 1.3523% | 1,391 |
| Noncurrent loans to loans | 1.3697% | 1,611 |
| Net loans and leases to total assets | 74.2798% | 1,819 |
| Net loans and leases to deposits | 87.6613% | 2,057 |
| Net loans and leases to core deposits | 112.3301% | 791 |
| Total domestic deposits to total assets | 84.7350% | 2,924 |
| Equity capital to assets | 12.5775% | 1,730 |
| Core capital (leverage) ratio | 10.3998% | 3,112 |
| Tier 1 risk-based capital ratio | 12.7536% | 4,309 |
| Total risk-based capital ratio | 14.0087% | 4,217 |
| Memoranda: | ||
| Average total assets | $253,538,750 | 2,487 |
| Average earning assets | $227,899,000 | 2,541 |
| Average equity | $31,436,250 | 2,274 |
| Average total loans | $194,820,000 | 2,164 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9660% | 629 |
| Cost of funding earning assets | 0.8728% | 331 |
| Net interest margin | 4.0933% | 1,384 |
| Noninterest income to average assets | 0.2824% | 4,766 |
| Noninterest expense to average assets | 3.2143% | 1,777 |
| Loan and lease loss provision to assets | 0.1775% | 1,234 |
| Net operating income to assets | 0.4100% | 5,006 |
| Return on assets (ROA) | 0.4149% | 5,072 |
| Pretax return on assets | 0.5971% | 4,894 |
| Return on Equity (ROE) | 3.3624% | 5,139 |
| Retained earnings to average equity (ytd only) | 3.3624% | 3,756 |
| Net charge-offs to loans | 0.0705% | 2,180 |
| Credit loss provision to net charge-offs | 326.0870% | 907 |
| Earnings coverage of net charge-offs (x) | 14.1014% | 2,077 |
| Efficiency ratio | 80.6260% | 1,424 |
| Assets per employee ($millions) | 5.1472% | 2,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7046% | 1,267 |
| Loan loss allowance to noncurrent loans | 114.2125% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.4746% | 1,311 |
| Noncurrent loans to loans | 1.4924% | 1,466 |
| Net loans and leases to total assets | 76.4352% | 1,421 |
| Net loans and leases to deposits | 92.3187% | 1,470 |
| Net loans and leases to core deposits | 120.4486% | 499 |
| Total domestic deposits to total assets | 82.7950% | 3,724 |
| Equity capital to assets | 12.5585% | 1,735 |
| Core capital (leverage) ratio | 10.3021% | 3,196 |
| Tier 1 risk-based capital ratio | 12.2320% | 4,684 |
| Total risk-based capital ratio | 13.4872% | 4,602 |
| Memoranda: | ||
| Average total assets | $253,551,330 | 2,502 |
| Average earning assets | $229,156,330 | 2,543 |
| Average equity | $31,287,000 | 2,289 |
| Average total loans | $195,876,330 | 2,159 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1147% | 481 |
| Cost of funding earning assets | 0.8782% | 321 |
| Net interest margin | 4.2364% | 1,021 |
| Noninterest income to average assets | 0.2754% | 4,755 |
| Noninterest expense to average assets | 3.1484% | 1,963 |
| Loan and lease loss provision to assets | 0.4516% | 288 |
| Net operating income to assets | 0.3603% | 5,109 |
| Return on assets (ROA) | 0.3603% | 5,193 |
| Pretax return on assets | 0.5082% | 5,062 |
| Return on Equity (ROE) | 2.9460% | 5,261 |
| Retained earnings to average equity (ytd only) | 2.9460% | 4,041 |
| Net charge-offs to loans | 0.0307% | 2,339 |
| Credit loss provision to net charge-offs | 1,913.3333% | 218 |
| Earnings coverage of net charge-offs (x) | 40.6667% | 1,002 |
| Efficiency ratio | 76.5224% | 2,103 |
| Assets per employee ($millions) | 5.2472% | 2,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7308% | 1,283 |
| Loan loss allowance to noncurrent loans | 110.8654% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 1.2388% | 1,757 |
| Noncurrent loans to loans | 1.5611% | 1,491 |
| Net loans and leases to total assets | 77.9767% | 1,105 |
| Net loans and leases to deposits | 94.8617% | 1,055 |
| Net loans and leases to core deposits | 120.7781% | 446 |
| Total domestic deposits to total assets | 82.2004% | 4,152 |
| Equity capital to assets | 12.4110% | 1,737 |
| Core capital (leverage) ratio | 10.0146% | 3,525 |
| Tier 1 risk-based capital ratio | 11.8395% | 5,021 |
| Total risk-based capital ratio | 13.0950% | 4,923 |
| Memoranda: | ||
| Average total assets | $254,221,500 | 2,507 |
| Average earning assets | $230,005,000 | 2,549 |
| Average equity | $31,093,500 | 2,296 |
| Average total loans | $195,754,000 | 2,158 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3609% | 339 |
| Cost of funding earning assets | 0.8615% | 349 |
| Net interest margin | 4.4994% | 653 |
| Noninterest income to average assets | -0.1356% | 6,152 |
| Noninterest expense to average assets | 3.2436% | 1,850 |
| Loan and lease loss provision to assets | 1.7198% | 39 |
| Net operating income to assets | -0.6869% | 6,072 |
| Return on assets (ROA) | -0.6798% | 6,072 |
| Pretax return on assets | -1.0596% | 6,102 |
| Return on Equity (ROE) | -5.2182% | 6,049 |
| Retained earnings to average equity (ytd only) | -5.2182% | 5,923 |
| Net charge-offs to loans | 1.6434% | 92 |
| Credit loss provision to net charge-offs | 136.5258% | 1,916 |
| Earnings coverage of net charge-offs (x) | 0.5152% | 4,218 |
| Efficiency ratio | 83.1891% | 1,255 |
| Assets per employee ($millions) | 5.3602% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7498% | 1,239 |
| Loan loss allowance to noncurrent loans | 115.2949% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 1.2468% | 1,719 |
| Noncurrent loans to loans | 1.5177% | 1,532 |
| Net loans and leases to total assets | 73.3692% | 1,832 |
| Net loans and leases to deposits | 86.9544% | 2,009 |
| Net loans and leases to core deposits | 111.9818% | 775 |
| Total domestic deposits to total assets | 84.3767% | 3,341 |
| Equity capital to assets | 12.2971% | 1,744 |
| Core capital (leverage) ratio | 10.5038% | 2,923 |
| Tier 1 risk-based capital ratio | 12.4659% | 4,658 |
| Total risk-based capital ratio | 13.7205% | 4,538 |
| Memoranda: | ||
| Average total assets | $240,380,400 | 2,578 |
| Average earning assets | $215,207,200 | 2,635 |
| Average equity | $31,313,200 | 2,235 |
| Average total loans | $184,256,200 | 2,195 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4736% | 277 |
| Cost of funding earning assets | 0.8720% | 337 |
| Net interest margin | 4.6016% | 540 |
| Noninterest income to average assets | 0.2671% | 5,024 |
| Noninterest expense to average assets | 3.3390% | 1,597 |
| Loan and lease loss provision to assets | 0.8277% | 83 |
| Net operating income to assets | 0.1553% | 5,764 |
| Return on assets (ROA) | 0.1666% | 5,799 |
| Pretax return on assets | 0.2241% | 5,757 |
| Return on Equity (ROE) | 1.2594% | 5,820 |
| Retained earnings to average equity (ytd only) | 1.2594% | 5,216 |
| Net charge-offs to loans | 1.1176% | 156 |
| Credit loss provision to net charge-offs | 95.9424% | 2,371 |
| Earnings coverage of net charge-offs (x) | 1.2016% | 3,869 |
| Efficiency ratio | 76.1806% | 2,217 |
| Assets per employee ($millions) | 4.6911% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 3,663 |
| Loan loss allowance to noncurrent loans | 42.4043% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 2.2809% | 810 |
| Noncurrent loans to loans | 2.8293% | 656 |
| Net loans and leases to total assets | 75.5200% | 1,457 |
| Net loans and leases to deposits | 91.5293% | 1,463 |
| Net loans and leases to core deposits | 113.2743% | 696 |
| Total domestic deposits to total assets | 82.5091% | 3,987 |
| Equity capital to assets | 13.6095% | 1,175 |
| Core capital (leverage) ratio | 11.3065% | 2,189 |
| Tier 1 risk-based capital ratio | 13.7373% | 4,001 |
| Total risk-based capital ratio | 14.8719% | 4,000 |
| Memoranda: | ||
| Average total assets | $236,153,250 | 2,628 |
| Average earning assets | $210,848,750 | 2,691 |
| Average equity | $31,231,750 | 2,257 |
| Average total loans | $182,287,000 | 2,227 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5833% | 234 |
| Cost of funding earning assets | 0.8615% | 352 |
| Net interest margin | 4.7218% | 427 |
| Noninterest income to average assets | 0.1837% | 5,593 |
| Noninterest expense to average assets | 3.2111% | 1,954 |
| Loan and lease loss provision to assets | 1.2470% | 49 |
| Net operating income to assets | -0.0121% | 6,005 |
| Return on assets (ROA) | 0.0026% | 6,023 |
| Pretax return on assets | -0.0323% | 6,039 |
| Return on Equity (ROE) | 0.0195% | 6,024 |
| Retained earnings to average equity (ytd only) | 0.0195% | 5,497 |
| Net charge-offs to loans | 1.3246% | 141 |
| Credit loss provision to net charge-offs | 121.5589% | 1,784 |
| Earnings coverage of net charge-offs (x) | 1.1617% | 3,568 |
| Efficiency ratio | 72.7975% | 2,879 |
| Assets per employee ($millions) | 4.5072% | 2,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3603% | 2,929 |
| Loan loss allowance to noncurrent loans | 232.1033% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.6782% | 3,365 |
| Noncurrent loans to loans | 0.5861% | 3,699 |
| Net loans and leases to total assets | 76.3756% | 1,320 |
| Net loans and leases to deposits | 89.2458% | 1,690 |
| Net loans and leases to core deposits | 111.2543% | 772 |
| Total domestic deposits to total assets | 85.5790% | 2,885 |
| Equity capital to assets | 13.4720% | 1,181 |
| Core capital (leverage) ratio | 11.4385% | 2,042 |
| Tier 1 risk-based capital ratio | 13.2410% | 4,380 |
| Total risk-based capital ratio | 14.4909% | 4,310 |
| Memoranda: | ||
| Average total assets | $235,123,000 | 2,655 |
| Average earning assets | $210,090,670 | 2,709 |
| Average equity | $30,789,000 | 2,289 |
| Average total loans | $182,092,330 | 2,247 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7807% | 173 |
| Cost of funding earning assets | 0.8458% | 387 |
| Net interest margin | 4.9349% | 277 |
| Noninterest income to average assets | 0.1080% | 6,046 |
| Noninterest expense to average assets | 3.4230% | 1,446 |
| Loan and lease loss provision to assets | 0.3327% | 407 |
| Net operating income to assets | 0.5224% | 4,573 |
| Return on assets (ROA) | 0.5539% | 4,573 |
| Pretax return on assets | 0.8112% | 4,190 |
| Return on Equity (ROE) | 4.2934% | 4,850 |
| Retained earnings to average equity (ytd only) | 4.2934% | 3,439 |
| Net charge-offs to loans | 0.0177% | 2,810 |
| Credit loss provision to net charge-offs | 2,425.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 595 |
| Efficiency ratio | 75.6070% | 2,567 |
| Assets per employee ($millions) | 4.7685% | 2,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 3,399 |
| Loan loss allowance to noncurrent loans | 388.2353% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.5490% | 3,848 |
| Noncurrent loans to loans | 0.3350% | 4,586 |
| Net loans and leases to total assets | 77.7336% | 968 |
| Net loans and leases to deposits | 93.4248% | 1,042 |
| Net loans and leases to core deposits | 118.0294% | 456 |
| Total domestic deposits to total assets | 83.2045% | 4,116 |
| Equity capital to assets | 12.9469% | 1,432 |
| Core capital (leverage) ratio | 10.9523% | 2,458 |
| Tier 1 risk-based capital ratio | 12.5498% | 4,876 |
| Total risk-based capital ratio | 13.7865% | 4,793 |
| Memoranda: | ||
| Average total assets | $233,244,500 | 2,694 |
| Average earning assets | $208,556,000 | 2,745 |
| Average equity | $30,092,500 | 2,343 |
| Average total loans | $180,657,500 | 2,271 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8059% | 193 |
| Cost of funding earning assets | 0.8516% | 501 |
| Net interest margin | 4.9543% | 326 |
| Noninterest income to average assets | 0.2393% | 5,415 |
| Noninterest expense to average assets | 3.1437% | 2,382 |
| Loan and lease loss provision to assets | 0.3196% | 625 |
| Net operating income to assets | 0.7602% | 3,571 |
| Return on assets (ROA) | 0.7631% | 3,654 |
| Pretax return on assets | 1.1122% | 3,035 |
| Return on Equity (ROE) | 6.1985% | 4,056 |
| Retained earnings to average equity (ytd only) | 6.1985% | 1,812 |
| Net charge-offs to loans | 0.0507% | 3,817 |
| Credit loss provision to net charge-offs | 862.8205% | 316 |
| Earnings coverage of net charge-offs (x) | 38.5385% | 1,118 |
| Efficiency ratio | 68.6266% | 3,787 |
| Assets per employee ($millions) | 4.8524% | 2,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 3,419 |
| Loan loss allowance to noncurrent loans | 379.1597% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.5713% | 3,889 |
| Noncurrent loans to loans | 0.3429% | 4,627 |
| Net loans and leases to total assets | 75.1019% | 1,403 |
| Net loans and leases to deposits | 89.1076% | 1,605 |
| Net loans and leases to core deposits | 111.6406% | 701 |
| Total domestic deposits to total assets | 84.2823% | 3,595 |
| Equity capital to assets | 12.8544% | 1,438 |
| Core capital (leverage) ratio | 10.3956% | 3,067 |
| Tier 1 risk-based capital ratio | 12.9306% | 4,770 |
| Total risk-based capital ratio | 14.1808% | 4,691 |
| Memoranda: | ||
| Average total assets | $210,578,200 | 2,872 |
| Average earning assets | $184,124,400 | 2,985 |
| Average equity | $25,925,600 | 2,580 |
| Average total loans | $153,886,000 | 2,515 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8110% | 190 |
| Cost of funding earning assets | 0.8358% | 576 |
| Net interest margin | 4.9752% | 315 |
| Noninterest income to average assets | 0.2651% | 5,310 |
| Noninterest expense to average assets | 3.1521% | 2,315 |
| Loan and lease loss provision to assets | 0.3298% | 557 |
| Net operating income to assets | 0.7717% | 3,555 |
| Return on assets (ROA) | 0.7740% | 3,651 |
| Pretax return on assets | 1.1166% | 3,121 |
| Return on Equity (ROE) | 6.3640% | 4,048 |
| Retained earnings to average equity (ytd only) | 6.3640% | 2,181 |
| Net charge-offs to loans | 0.0761% | 3,115 |
| Credit loss provision to net charge-offs | 600.0000% | 494 |
| Earnings coverage of net charge-offs (x) | 26.2590% | 1,489 |
| Efficiency ratio | 68.4536% | 3,771 |
| Assets per employee ($millions) | 4.7055% | 2,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 3,800 |
| Loan loss allowance to noncurrent loans | 213.2924% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.5462% | 4,227 |
| Noncurrent loans to loans | 0.5961% | 4,145 |
| Net loans and leases to total assets | 73.2381% | 1,640 |
| Net loans and leases to deposits | 87.6752% | 1,713 |
| Net loans and leases to core deposits | 110.4209% | 728 |
| Total domestic deposits to total assets | 83.5335% | 3,937 |
| Equity capital to assets | 11.7201% | 2,293 |
| Core capital (leverage) ratio | 9.3316% | 4,597 |
| Tier 1 risk-based capital ratio | 11.5037% | 5,789 |
| Total risk-based capital ratio | 12.7121% | 5,745 |
| Memoranda: | ||
| Average total assets | $206,207,250 | 2,944 |
| Average earning assets | $179,471,500 | 3,069 |
| Average equity | $25,078,000 | 2,668 |
| Average total loans | $148,973,750 | 2,591 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8897% | 170 |
| Cost of funding earning assets | 0.7943% | 733 |
| Net interest margin | 5.0954% | 238 |
| Noninterest income to average assets | 0.2942% | 5,066 |
| Noninterest expense to average assets | 3.1676% | 2,285 |
| Loan and lease loss provision to assets | 0.3369% | 543 |
| Net operating income to assets | 0.8341% | 3,157 |
| Return on assets (ROA) | 0.8369% | 3,234 |
| Pretax return on assets | 1.2056% | 2,646 |
| Return on Equity (ROE) | 6.7911% | 3,721 |
| Retained earnings to average equity (ytd only) | 6.7911% | 1,878 |
| Net charge-offs to loans | 0.0195% | 3,827 |
| Credit loss provision to net charge-offs | 2,421.4286% | 150 |
| Earnings coverage of net charge-offs (x) | 110.5714% | 518 |
| Efficiency ratio | 67.1595% | 4,168 |
| Assets per employee ($millions) | 4.4426% | 3,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2613% | 4,078 |
| Loan loss allowance to noncurrent loans | 708.9286% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.5332% | 4,401 |
| Noncurrent loans to loans | 0.1779% | 5,479 |
| Net loans and leases to total assets | 72.8703% | 1,595 |
| Net loans and leases to deposits | 89.5740% | 1,410 |
| Net loans and leases to core deposits | 112.5441% | 585 |
| Total domestic deposits to total assets | 81.3521% | 4,860 |
| Equity capital to assets | 11.9468% | 2,023 |
| Core capital (leverage) ratio | 9.2514% | 4,664 |
| Tier 1 risk-based capital ratio | 11.7098% | 5,689 |
| Total risk-based capital ratio | 12.9019% | 5,666 |
| Memoranda: | ||
| Average total assets | $201,223,670 | 3,021 |
| Average earning assets | $174,236,000 | 3,147 |
| Average equity | $24,797,330 | 2,683 |
| Average total loans | $143,945,670 | 2,672 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8927% | 167 |
| Cost of funding earning assets | 0.7348% | 1,049 |
| Net interest margin | 5.1579% | 198 |
| Noninterest income to average assets | 0.4713% | 3,621 |
| Noninterest expense to average assets | 3.0572% | 2,668 |
| Loan and lease loss provision to assets | 0.4590% | 341 |
| Net operating income to assets | 0.9672% | 2,330 |
| Return on assets (ROA) | 0.9672% | 2,401 |
| Pretax return on assets | 1.3995% | 1,750 |
| Return on Equity (ROE) | 7.7194% | 3,080 |
| Retained earnings to average equity (ytd only) | 7.7194% | 1,714 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0675% | 5,106 |
| Assets per employee ($millions) | 5.1071% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 4,388 |
| Loan loss allowance to noncurrent loans | 1,885.0000% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.4293% | 4,851 |
| Noncurrent loans to loans | 0.0662% | 5,944 |
| Net loans and leases to total assets | 71.2038% | 1,693 |
| Net loans and leases to deposits | 97.0468% | 594 |
| Net loans and leases to core deposits | 118.1063% | 359 |
| Total domestic deposits to total assets | 73.3705% | 6,284 |
| Equity capital to assets | 11.8639% | 1,966 |
| Core capital (leverage) ratio | 10.4248% | 3,020 |
| Tier 1 risk-based capital ratio | 11.9122% | 5,701 |
| Total risk-based capital ratio | 13.0862% | 5,674 |
| Memoranda: | ||
| Average total assets | $195,212,500 | 3,109 |
| Average earning assets | $168,207,500 | 3,235 |
| Average equity | $24,458,000 | 2,701 |
| Average total loans | $137,229,500 | 2,774 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0489% | 831 |
| Cost of funding earning assets | 0.8037% | 1,193 |
| Net interest margin | 4.2451% | 1,234 |
| Noninterest income to average assets | 0.2337% | 5,677 |
| Noninterest expense to average assets | 3.1480% | 2,596 |
| Loan and lease loss provision to assets | -0.0833% | 6,457 |
| Net operating income to assets | 0.5832% | 4,342 |
| Return on assets (ROA) | 0.6271% | 4,239 |
| Pretax return on assets | 0.8279% | 4,039 |
| Return on Equity (ROE) | 4.4178% | 4,929 |
| Retained earnings to average equity (ytd only) | 4.4178% | 3,027 |
| Net charge-offs to loans | 0.0187% | 5,067 |
| Credit loss provision to net charge-offs | -705.2632% | 6,193 |
| Earnings coverage of net charge-offs (x) | 58.1579% | 703 |
| Efficiency ratio | 81.5397% | 1,939 |
| Assets per employee ($millions) | 4.4154% | 3,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3452% | 3,913 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6778% | 4,215 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 67.2905% | 2,476 |
| Net loans and leases to deposits | 85.2787% | 1,778 |
| Net loans and leases to core deposits | 102.9155% | 976 |
| Total domestic deposits to total assets | 78.9066% | 5,672 |
| Equity capital to assets | 13.2981% | 1,143 |
| Core capital (leverage) ratio | 11.0859% | 2,310 |
| Tier 1 risk-based capital ratio | 13.4902% | 4,661 |
| Total risk-based capital ratio | 14.6917% | 4,629 |
| Memoranda: | ||
| Average total assets | $160,893,400 | 3,549 |
| Average earning assets | $136,485,600 | 3,716 |
| Average equity | $22,839,200 | 2,842 |
| Average total loans | $101,754,800 | 3,405 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8941% | 1,136 |
| Cost of funding earning assets | 0.8088% | 1,278 |
| Net interest margin | 4.0853% | 1,673 |
| Noninterest income to average assets | 0.2241% | 5,822 |
| Noninterest expense to average assets | 3.1618% | 2,473 |
| Loan and lease loss provision to assets | 0.0376% | 4,256 |
| Net operating income to assets | 0.3933% | 5,268 |
| Return on assets (ROA) | 0.4157% | 5,325 |
| Pretax return on assets | 0.5047% | 5,345 |
| Return on Equity (ROE) | 2.8760% | 5,649 |
| Retained earnings to average equity (ytd only) | 2.8760% | 4,603 |
| Net charge-offs to loans | -0.0388% | 6,226 |
| Credit loss provision to net charge-offs | -157.1429% | 5,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2722% | 1,435 |
| Assets per employee ($millions) | 4.4195% | 3,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 2,735 |
| Loan loss allowance to noncurrent loans | 933.1683% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.8291% | 4,038 |
| Noncurrent loans to loans | 0.1788% | 5,794 |
| Net loans and leases to total assets | 64.4421% | 2,929 |
| Net loans and leases to deposits | 84.5890% | 1,800 |
| Net loans and leases to core deposits | 102.6923% | 948 |
| Total domestic deposits to total assets | 76.1825% | 6,150 |
| Equity capital to assets | 13.5709% | 1,091 |
| Core capital (leverage) ratio | 10.7789% | 2,693 |
| Tier 1 risk-based capital ratio | 14.1045% | 4,353 |
| Total risk-based capital ratio | 15.3574% | 4,297 |
| Memoranda: | ||
| Average total assets | $155,858,500 | 3,653 |
| Average earning assets | $131,720,250 | 3,843 |
| Average equity | $22,530,500 | 2,901 |
| Average total loans | $96,323,750 | 3,567 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6325% | 1,750 |
| Cost of funding earning assets | 0.8005% | 1,411 |
| Net interest margin | 3.8321% | 2,439 |
| Noninterest income to average assets | 0.1995% | 6,009 |
| Noninterest expense to average assets | 3.0274% | 2,914 |
| Loan and lease loss provision to assets | 0.0891% | 3,300 |
| Net operating income to assets | 0.2849% | 5,644 |
| Return on assets (ROA) | 0.3232% | 5,666 |
| Pretax return on assets | 0.3605% | 5,728 |
| Return on Equity (ROE) | 2.1849% | 5,893 |
| Retained earnings to average equity (ytd only) | 2.1849% | 4,890 |
| Net charge-offs to loans | -0.0617% | 6,339 |
| Credit loss provision to net charge-offs | -239.2857% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5290% | 1,273 |
| Assets per employee ($millions) | 4.5645% | 2,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8433% | 2,278 |
| Loan loss allowance to noncurrent loans | 904.7393% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.8485% | 4,119 |
| Noncurrent loans to loans | 0.2037% | 5,798 |
| Net loans and leases to total assets | 60.1936% | 3,621 |
| Net loans and leases to deposits | 84.3383% | 1,757 |
| Net loans and leases to core deposits | 100.9955% | 1,008 |
| Total domestic deposits to total assets | 71.3716% | 6,597 |
| Equity capital to assets | 13.4127% | 1,178 |
| Core capital (leverage) ratio | 12.7325% | 1,273 |
| Tier 1 risk-based capital ratio | 14.8238% | 3,893 |
| Total risk-based capital ratio | 16.0419% | 3,880 |
| Memoranda: | ||
| Average total assets | $150,357,670 | 3,761 |
| Average earning assets | $126,928,330 | 3,968 |
| Average equity | $22,243,670 | 2,955 |
| Average total loans | $90,779,000 | 3,707 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5122% | 2,125 |
| Cost of funding earning assets | 0.8830% | 1,070 |
| Net interest margin | 3.6292% | 3,144 |
| Noninterest income to average assets | 0.2155% | 5,936 |
| Noninterest expense to average assets | 3.0533% | 2,825 |
| Loan and lease loss provision to assets | 0.0397% | 3,931 |
| Net operating income to assets | 0.1813% | 5,945 |
| Return on assets (ROA) | 0.2693% | 5,785 |
| Pretax return on assets | 0.2778% | 5,902 |
| Return on Equity (ROE) | 1.7242% | 6,018 |
| Retained earnings to average equity (ytd only) | 1.7242% | 5,118 |
| Net charge-offs to loans | -0.1375% | 6,563 |
| Credit loss provision to net charge-offs | -48.2759% | 5,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4806% | 948 |
| Assets per employee ($millions) | 4.4830% | 3,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1741% | 1,641 |
| Loan loss allowance to noncurrent loans | 53.9994% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 2.9912% | 1,501 |
| Noncurrent loans to loans | 4.0261% | 1,119 |
| Net loans and leases to total assets | 58.7985% | 3,653 |
| Net loans and leases to deposits | 74.2915% | 2,884 |
| Net loans and leases to core deposits | 86.8254% | 2,033 |
| Total domestic deposits to total assets | 79.1456% | 5,934 |
| Equity capital to assets | 16.1823% | 529 |
| Core capital (leverage) ratio | 12.5304% | 1,324 |
| Tier 1 risk-based capital ratio | 17.7728% | 2,456 |
| Total risk-based capital ratio | 19.0305% | 2,413 |
| Memoranda: | ||
| Average total assets | $141,094,000 | 3,962 |
| Average earning assets | $119,143,500 | 4,174 |
| Average equity | $22,039,500 | 3,022 |
| Average total loans | $84,385,000 | 3,889 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8406% | 2,058 |
| Cost of funding earning assets | 1.1218% | 836 |
| Net interest margin | 3.7187% | 3,564 |
| Noninterest income to average assets | 0.1295% | 6,393 |
| Noninterest expense to average assets | 2.9762% | 3,359 |
| Loan and lease loss provision to assets | -0.3065% | 7,013 |
| Net operating income to assets | 0.5810% | 4,329 |
| Return on assets (ROA) | 0.7215% | 3,887 |
| Pretax return on assets | 0.7985% | 4,301 |
| Return on Equity (ROE) | 5.1613% | 4,607 |
| Retained earnings to average equity (ytd only) | 5.1613% | 2,597 |
| Net charge-offs to loans | -0.0757% | 6,781 |
| Credit loss provision to net charge-offs | 653.7313% | 376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4851% | 1,194 |
| Assets per employee ($millions) | 4.4755% | 3,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0800% | 1,817 |
| Loan loss allowance to noncurrent loans | 52.0246% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 3.2043% | 1,451 |
| Noncurrent loans to loans | 3.9981% | 1,175 |
| Net loans and leases to total assets | 58.2809% | 3,926 |
| Net loans and leases to deposits | 72.4899% | 3,327 |
| Net loans and leases to core deposits | 87.6082% | 2,132 |
| Total domestic deposits to total assets | 80.3987% | 5,569 |
| Equity capital to assets | 15.0752% | 716 |
| Core capital (leverage) ratio | 11.5407% | 1,849 |
| Tier 1 risk-based capital ratio | 16.7208% | 2,785 |
| Total risk-based capital ratio | 17.9736% | 2,751 |
| Memoranda: | ||
| Average total assets | $142,900,800 | 3,897 |
| Average earning assets | $122,299,600 | 4,063 |
| Average equity | $19,975,600 | 3,207 |
| Average total loans | $88,550,600 | 3,785 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8875% | 2,056 |
| Cost of funding earning assets | 1.1584% | 838 |
| Net interest margin | 3.7291% | 3,662 |
| Noninterest income to average assets | 0.0691% | 6,740 |
| Noninterest expense to average assets | 3.0695% | 2,978 |
| Loan and lease loss provision to assets | -0.2726% | 7,112 |
| Net operating income to assets | 0.4668% | 4,967 |
| Return on assets (ROA) | 0.6750% | 4,296 |
| Pretax return on assets | 0.6750% | 4,937 |
| Return on Equity (ROE) | 4.9253% | 4,855 |
| Retained earnings to average equity (ytd only) | 4.9253% | 3,417 |
| Net charge-offs to loans | -0.1328% | 6,923 |
| Credit loss provision to net charge-offs | 328.0899% | 819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4199% | 864 |
| Assets per employee ($millions) | 4.3194% | 3,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1915% | 1,722 |
| Loan loss allowance to noncurrent loans | 50.7447% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 3.4398% | 1,463 |
| Noncurrent loans to loans | 4.3187% | 1,126 |
| Net loans and leases to total assets | 60.8065% | 3,607 |
| Net loans and leases to deposits | 74.6666% | 3,193 |
| Net loans and leases to core deposits | 90.8932% | 1,881 |
| Total domestic deposits to total assets | 81.4374% | 5,218 |
| Equity capital to assets | 14.2094% | 1,074 |
| Core capital (leverage) ratio | 10.6437% | 2,763 |
| Tier 1 risk-based capital ratio | 14.7137% | 4,037 |
| Total risk-based capital ratio | 15.9682% | 4,002 |
| Memoranda: | ||
| Average total assets | $142,822,250 | 3,942 |
| Average earning assets | $122,349,750 | 4,095 |
| Average equity | $19,572,000 | 3,284 |
| Average total loans | $89,378,250 | 3,811 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9703% | 1,870 |
| Cost of funding earning assets | 1.2023% | 809 |
| Net interest margin | 3.7681% | 3,502 |
| Noninterest income to average assets | 0.2141% | 6,035 |
| Noninterest expense to average assets | 3.1249% | 2,830 |
| Loan and lease loss provision to assets | -0.2239% | 7,162 |
| Net operating income to assets | 0.5500% | 4,584 |
| Return on assets (ROA) | 0.8620% | 3,346 |
| Pretax return on assets | 0.8620% | 4,227 |
| Return on Equity (ROE) | 6.3687% | 4,119 |
| Retained earnings to average equity (ytd only) | 6.3687% | 2,460 |
| Net charge-offs to loans | -0.4240% | 7,113 |
| Credit loss provision to net charge-offs | 84.2105% | 3,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6050% | 1,182 |
| Assets per employee ($millions) | 4.2675% | 3,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6032% | 1,147 |
| Loan loss allowance to noncurrent loans | 56.8069% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 3.5767% | 1,478 |
| Noncurrent loans to loans | 4.5826% | 1,144 |
| Net loans and leases to total assets | 57.7566% | 4,208 |
| Net loans and leases to deposits | 69.2875% | 4,000 |
| Net loans and leases to core deposits | 84.1477% | 2,673 |
| Total domestic deposits to total assets | 83.3578% | 4,600 |
| Equity capital to assets | 14.0802% | 1,064 |
| Core capital (leverage) ratio | 10.3523% | 2,983 |
| Tier 1 risk-based capital ratio | 15.4238% | 3,495 |
| Total risk-based capital ratio | 16.6936% | 3,443 |
| Memoranda: | ||
| Average total assets | $142,916,670 | 3,953 |
| Average earning assets | $122,769,000 | 4,105 |
| Average equity | $19,344,670 | 3,301 |
| Average total loans | $89,632,670 | 3,816 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0345% | 1,777 |
| Cost of funding earning assets | 1.2019% | 976 |
| Net interest margin | 3.8326% | 3,228 |
| Noninterest income to average assets | 0.2028% | 6,175 |
| Noninterest expense to average assets | 3.1342% | 2,806 |
| Loan and lease loss provision to assets | -0.4890% | 7,259 |
| Net operating income to assets | 0.8891% | 2,974 |
| Return on assets (ROA) | 1.4587% | 1,233 |
| Pretax return on assets | 1.4587% | 1,995 |
| Return on Equity (ROE) | 10.9933% | 2,019 |
| Retained earnings to average equity (ytd only) | 10.9933% | 1,025 |
| Net charge-offs to loans | -1.8901% | 7,249 |
| Credit loss provision to net charge-offs | 40.1826% | 3,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7925% | 1,401 |
| Assets per employee ($millions) | 4.1010% | 3,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6948% | 1,119 |
| Loan loss allowance to noncurrent loans | 34.6686% | 5,929 |
| Noncurrent assets plus other real estate owned to assets | 5.4955% | 892 |
| Noncurrent loans to loans | 7.7731% | 513 |
| Net loans and leases to total assets | 60.5260% | 3,549 |
| Net loans and leases to deposits | 71.9989% | 3,436 |
| Net loans and leases to core deposits | 85.5432% | 2,342 |
| Total domestic deposits to total assets | 84.0652% | 4,454 |
| Equity capital to assets | 13.6643% | 1,165 |
| Core capital (leverage) ratio | 10.2621% | 3,042 |
| Tier 1 risk-based capital ratio | 14.5739% | 4,045 |
| Total risk-based capital ratio | 15.8389% | 3,990 |
| Memoranda: | ||
| Average total assets | $143,960,500 | 3,974 |
| Average earning assets | $125,137,500 | 4,081 |
| Average equity | $19,102,500 | 3,336 |
| Average total loans | $92,693,000 | 3,763 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8348% | 594 |
| Cost of funding earning assets | 1.3916% | 1,077 |
| Net interest margin | 4.4432% | 1,280 |
| Noninterest income to average assets | 0.2267% | 5,912 |
| Noninterest expense to average assets | 3.3868% | 2,276 |
| Loan and lease loss provision to assets | 0.2556% | 3,650 |
| Net operating income to assets | 0.4674% | 4,552 |
| Return on assets (ROA) | 0.5495% | 4,421 |
| Pretax return on assets | 0.5495% | 4,839 |
| Return on Equity (ROE) | 4.0693% | 4,815 |
| Retained earnings to average equity (ytd only) | 4.0693% | 3,296 |
| Net charge-offs to loans | 0.6103% | 2,616 |
| Credit loss provision to net charge-offs | 56.9686% | 5,246 |
| Earnings coverage of net charge-offs (x) | 1.6115% | 4,564 |
| Efficiency ratio | 80.6580% | 2,212 |
| Assets per employee ($millions) | 4.1253% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2309% | 1,741 |
| Loan loss allowance to noncurrent loans | 45.6170% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 3.9478% | 1,454 |
| Noncurrent loans to loans | 4.8905% | 1,172 |
| Net loans and leases to total assets | 65.0756% | 2,961 |
| Net loans and leases to deposits | 77.3136% | 2,956 |
| Net loans and leases to core deposits | 90.1321% | 2,113 |
| Total domestic deposits to total assets | 84.1709% | 4,247 |
| Equity capital to assets | 12.8766% | 1,557 |
| Core capital (leverage) ratio | 9.7803% | 3,634 |
| Tier 1 risk-based capital ratio | 12.7381% | 5,281 |
| Total risk-based capital ratio | 13.9987% | 5,249 |
| Memoranda: | ||
| Average total assets | $127,938,400 | 4,218 |
| Average earning assets | $111,811,600 | 4,339 |
| Average equity | $17,275,800 | 3,537 |
| Average total loans | $94,051,800 | 3,764 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0326% | 430 |
| Cost of funding earning assets | 1.4438% | 1,044 |
| Net interest margin | 4.5888% | 970 |
| Noninterest income to average assets | 0.2433% | 5,879 |
| Noninterest expense to average assets | 3.5683% | 1,776 |
| Loan and lease loss provision to assets | 0.2175% | 3,842 |
| Net operating income to assets | 0.4716% | 4,669 |
| Return on assets (ROA) | 0.5847% | 4,338 |
| Pretax return on assets | 0.5847% | 4,862 |
| Return on Equity (ROE) | 4.2721% | 4,879 |
| Retained earnings to average equity (ytd only) | 4.2721% | 3,687 |
| Net charge-offs to loans | 0.7227% | 2,106 |
| Credit loss provision to net charge-offs | 39.8422% | 5,250 |
| Earnings coverage of net charge-offs (x) | 1.2623% | 4,670 |
| Efficiency ratio | 82.0688% | 1,963 |
| Assets per employee ($millions) | 3.4566% | 5,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1541% | 1,956 |
| Loan loss allowance to noncurrent loans | 75.7257% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 2.9288% | 2,200 |
| Noncurrent loans to loans | 2.8446% | 2,450 |
| Net loans and leases to total assets | 72.1702% | 1,675 |
| Net loans and leases to deposits | 86.6185% | 1,608 |
| Net loans and leases to core deposits | 100.2135% | 1,229 |
| Total domestic deposits to total assets | 83.3196% | 4,551 |
| Equity capital to assets | 13.2636% | 1,483 |
| Core capital (leverage) ratio | 9.5474% | 4,085 |
| Tier 1 risk-based capital ratio | 11.8210% | 6,024 |
| Total risk-based capital ratio | 13.0810% | 5,998 |
| Memoranda: | ||
| Average total assets | $123,826,500 | 4,319 |
| Average earning assets | $108,319,000 | 4,472 |
| Average equity | $16,946,750 | 3,597 |
| Average total loans | $93,538,750 | 3,801 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1556% | 352 |
| Cost of funding earning assets | 1.4307% | 1,275 |
| Net interest margin | 4.7249% | 690 |
| Noninterest income to average assets | 0.2588% | 5,797 |
| Noninterest expense to average assets | 3.4603% | 2,093 |
| Loan and lease loss provision to assets | 0.2967% | 3,028 |
| Net operating income to assets | 0.6396% | 3,860 |
| Return on assets (ROA) | 0.6396% | 3,982 |
| Pretax return on assets | 0.6396% | 4,619 |
| Return on Equity (ROE) | 4.6223% | 4,631 |
| Retained earnings to average equity (ytd only) | 4.6223% | 3,240 |
| Net charge-offs to loans | 1.0971% | 1,437 |
| Credit loss provision to net charge-offs | 35.5030% | 4,899 |
| Earnings coverage of net charge-offs (x) | 1.1203% | 4,435 |
| Efficiency ratio | 76.9779% | 2,867 |
| Assets per employee ($millions) | 3.5673% | 4,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2014% | 1,918 |
| Loan loss allowance to noncurrent loans | 354.0309% | 903 |
| Noncurrent assets plus other real estate owned to assets | 1.5722% | 3,839 |
| Noncurrent loans to loans | 0.6218% | 5,682 |
| Net loans and leases to total assets | 73.4404% | 1,512 |
| Net loans and leases to deposits | 90.4164% | 1,226 |
| Net loans and leases to core deposits | 104.7620% | 1,001 |
| Total domestic deposits to total assets | 81.2246% | 5,453 |
| Equity capital to assets | 13.7071% | 1,204 |
| Core capital (leverage) ratio | 10.0459% | 3,208 |
| Tier 1 risk-based capital ratio | 11.9451% | 5,829 |
| Total risk-based capital ratio | 13.2157% | 5,789 |
| Memoranda: | ||
| Average total assets | $121,318,000 | 4,411 |
| Average earning assets | $106,244,670 | 4,557 |
| Average equity | $16,788,330 | 3,608 |
| Average total loans | $92,423,670 | 3,879 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2048% | 333 |
| Cost of funding earning assets | 1.4512% | 1,376 |
| Net interest margin | 4.7536% | 629 |
| Noninterest income to average assets | 0.3145% | 5,412 |
| Noninterest expense to average assets | 3.2121% | 2,858 |
| Loan and lease loss provision to assets | 0.4584% | 1,923 |
| Net operating income to assets | 0.8197% | 2,929 |
| Return on assets (ROA) | 0.8197% | 2,986 |
| Pretax return on assets | 0.8197% | 3,831 |
| Return on Equity (ROE) | 5.8946% | 3,966 |
| Retained earnings to average equity (ytd only) | 5.8946% | 2,705 |
| Net charge-offs to loans | 0.0610% | 4,319 |
| Credit loss provision to net charge-offs | 978.5714% | 396 |
| Earnings coverage of net charge-offs (x) | 27.2857% | 905 |
| Efficiency ratio | 69.8212% | 4,313 |
| Assets per employee ($millions) | 3.9003% | 4,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6785% | 1,229 |
| Loan loss allowance to noncurrent loans | 110.0219% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 2.9849% | 2,311 |
| Noncurrent loans to loans | 2.4345% | 3,058 |
| Net loans and leases to total assets | 75.5477% | 1,102 |
| Net loans and leases to deposits | 91.5298% | 1,065 |
| Net loans and leases to core deposits | 106.6804% | 908 |
| Total domestic deposits to total assets | 82.5389% | 5,093 |
| Equity capital to assets | 13.9287% | 1,024 |
| Core capital (leverage) ratio | 9.9105% | 3,258 |
| Tier 1 risk-based capital ratio | 11.9755% | 5,715 |
| Total risk-based capital ratio | 13.2529% | 5,676 |
| Memoranda: | ||
| Average total assets | $119,549,500 | 4,495 |
| Average earning assets | $105,015,500 | 4,615 |
| Average equity | $16,625,500 | 3,621 |
| Average total loans | $91,756,500 | 3,939 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8862% | 1,072 |
| Cost of funding earning assets | 1.8692% | 943 |
| Net interest margin | 4.0170% | 2,943 |
| Noninterest income to average assets | 0.0156% | 7,226 |
| Noninterest expense to average assets | 3.1104% | 3,411 |
| Loan and lease loss provision to assets | 1.3722% | 1,100 |
| Net operating income to assets | -0.9289% | 6,642 |
| Return on assets (ROA) | -0.9003% | 6,661 |
| Pretax return on assets | -0.9003% | 6,579 |
| Return on Equity (ROE) | -5.9090% | 6,490 |
| Retained earnings to average equity (ytd only) | -6.2563% | 6,408 |
| Net charge-offs to loans | 0.3707% | 4,178 |
| Credit loss provision to net charge-offs | 492.8349% | 464 |
| Earnings coverage of net charge-offs (x) | 1.5919% | 4,542 |
| Efficiency ratio | 84.5009% | 1,861 |
| Assets per employee ($millions) | 4.2211% | 3,343 |
| Cash dividends to net income (ytd only)* | -5.8767% | 7,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6669% | 1,210 |
| Loan loss allowance to noncurrent loans | 105.4233% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 3.2812% | 2,151 |
| Noncurrent loans to loans | 2.5297% | 2,996 |
| Net loans and leases to total assets | 73.8337% | 1,693 |
| Net loans and leases to deposits | 90.4084% | 1,473 |
| Net loans and leases to core deposits | 107.7174% | 1,075 |
| Total domestic deposits to total assets | 81.6668% | 5,307 |
| Equity capital to assets | 13.8844% | 1,071 |
| Core capital (leverage) ratio | 10.1620% | 2,910 |
| Tier 1 risk-based capital ratio | 12.1427% | 5,344 |
| Total risk-based capital ratio | 13.4205% | 5,295 |
| Memoranda: | ||
| Average total assets | $115,291,800 | 4,586 |
| Average earning assets | $101,542,600 | 4,685 |
| Average equity | $17,566,400 | 3,497 |
| Average total loans | $86,588,600 | 4,140 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8945% | 1,146 |
| Cost of funding earning assets | 1.9653% | 846 |
| Net interest margin | 3.9292% | 3,409 |
| Noninterest income to average assets | 0.1746% | 6,632 |
| Noninterest expense to average assets | 3.0875% | 3,390 |
| Loan and lease loss provision to assets | 0.2281% | 4,791 |
| Net operating income to assets | 0.3259% | 5,064 |
| Return on assets (ROA) | 0.3456% | 5,158 |
| Pretax return on assets | 0.3456% | 5,380 |
| Return on Equity (ROE) | 2.2177% | 5,523 |
| Retained earnings to average equity (ytd only) | 1.7623% | 5,086 |
| Net charge-offs to loans | 0.3278% | 4,022 |
| Credit loss provision to net charge-offs | 92.8910% | 4,664 |
| Earnings coverage of net charge-offs (x) | 2.2559% | 4,042 |
| Efficiency ratio | 81.6235% | 2,107 |
| Assets per employee ($millions) | 3.9409% | 3,954 |
| Cash dividends to net income (ytd only)* | 20.5384% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 5,097 |
| Loan loss allowance to noncurrent loans | 45.7155% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 2.9890% | 2,431 |
| Noncurrent loans to loans | 2.7844% | 2,862 |
| Net loans and leases to total assets | 75.6705% | 1,465 |
| Net loans and leases to deposits | 95.2990% | 1,069 |
| Net loans and leases to core deposits | 118.5681% | 668 |
| Total domestic deposits to total assets | 79.4032% | 5,894 |
| Equity capital to assets | 15.8726% | 704 |
| Core capital (leverage) ratio | 11.6948% | 1,822 |
| Tier 1 risk-based capital ratio | 14.0923% | 3,769 |
| Total risk-based capital ratio | 15.3536% | 3,735 |
| Memoranda: | ||
| Average total assets | $114,567,250 | 4,662 |
| Average earning assets | $101,085,500 | 4,756 |
| Average equity | $17,855,500 | 3,491 |
| Average total loans | $85,822,000 | 4,230 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7845% | 1,464 |
| Cost of funding earning assets | 2.0488% | 773 |
| Net interest margin | 3.7357% | 4,209 |
| Noninterest income to average assets | 0.1727% | 6,670 |
| Noninterest expense to average assets | 3.0298% | 3,598 |
| Loan and lease loss provision to assets | 0.2076% | 4,798 |
| Net operating income to assets | 0.2302% | 5,456 |
| Return on assets (ROA) | 0.2582% | 5,482 |
| Pretax return on assets | 0.2582% | 5,634 |
| Return on Equity (ROE) | 1.6666% | 5,743 |
| Retained earnings to average equity (ytd only) | 0.9797% | 5,377 |
| Net charge-offs to loans | 0.4951% | 3,055 |
| Credit loss provision to net charge-offs | 56.3981% | 5,291 |
| Earnings coverage of net charge-offs (x) | 1.1896% | 4,612 |
| Efficiency ratio | 84.6076% | 1,854 |
| Assets per employee ($millions) | 3.8636% | 4,067 |
| Cash dividends to net income (ytd only)* | 41.2162% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 5,366 |
| Loan loss allowance to noncurrent loans | 64.6326% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 2.0751% | 3,412 |
| Noncurrent loans to loans | 1.8832% | 3,886 |
| Net loans and leases to total assets | 75.1883% | 1,654 |
| Net loans and leases to deposits | 90.1343% | 1,833 |
| Net loans and leases to core deposits | 113.0595% | 974 |
| Total domestic deposits to total assets | 83.4181% | 4,383 |
| Equity capital to assets | 15.8384% | 697 |
| Core capital (leverage) ratio | 11.1558% | 2,132 |
| Tier 1 risk-based capital ratio | 14.1201% | 3,654 |
| Total risk-based capital ratio | 15.3272% | 3,636 |
| Memoranda: | ||
| Average total assets | $114,661,330 | 4,686 |
| Average earning assets | $101,132,670 | 4,773 |
| Average equity | $17,760,670 | 3,499 |
| Average total loans | $85,231,000 | 4,285 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7994% | 1,461 |
| Cost of funding earning assets | 2.0890% | 842 |
| Net interest margin | 3.7104% | 4,188 |
| Noninterest income to average assets | 0.2138% | 6,435 |
| Noninterest expense to average assets | 2.9008% | 4,055 |
| Loan and lease loss provision to assets | 0.2207% | 4,292 |
| Net operating income to assets | 0.3760% | 4,945 |
| Return on assets (ROA) | 0.4311% | 4,840 |
| Pretax return on assets | 0.4311% | 5,188 |
| Return on Equity (ROE) | 2.8140% | 5,424 |
| Retained earnings to average equity (ytd only) | 1.4408% | 5,224 |
| Net charge-offs to loans | 0.7605% | 1,991 |
| Credit loss provision to net charge-offs | 39.5062% | 4,651 |
| Earnings coverage of net charge-offs (x) | 1.0679% | 4,125 |
| Efficiency ratio | 80.2761% | 2,523 |
| Assets per employee ($millions) | 4.1465% | 3,569 |
| Cash dividends to net income (ytd only)* | 48.8000% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 5,519 |
| Loan loss allowance to noncurrent loans | 60.4215% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 2.1008% | 3,385 |
| Noncurrent loans to loans | 1.9822% | 3,810 |
| Net loans and leases to total assets | 73.3275% | 2,119 |
| Net loans and leases to deposits | 86.8945% | 2,424 |
| Net loans and leases to core deposits | 106.0833% | 1,567 |
| Total domestic deposits to total assets | 84.3869% | 3,959 |
| Equity capital to assets | 15.3633% | 791 |
| Core capital (leverage) ratio | 11.0923% | 2,168 |
| Tier 1 risk-based capital ratio | 13.9162% | 3,712 |
| Total risk-based capital ratio | 15.1047% | 3,720 |
| Memoranda: | ||
| Average total assets | $115,970,000 | 4,723 |
| Average earning assets | $102,631,500 | 4,795 |
| Average equity | $17,768,000 | 3,529 |
| Average total loans | $85,205,500 | 4,345 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2925% | 1,041 |
| Cost of funding earning assets | 2.5064% | 1,018 |
| Net interest margin | 3.7861% | 3,771 |
| Noninterest income to average assets | 0.1495% | 6,984 |
| Noninterest expense to average assets | 3.0468% | 3,959 |
| Loan and lease loss provision to assets | 0.0189% | 7,313 |
| Net operating income to assets | 0.4097% | 4,089 |
| Return on assets (ROA) | 0.5138% | 3,771 |
| Pretax return on assets | 0.5138% | 4,147 |
| Return on Equity (ROE) | 3.1335% | 4,448 |
| Retained earnings to average equity (ytd only) | 3.1335% | 2,964 |
| Net charge-offs to loans | 0.0012% | 7,236 |
| Credit loss provision to net charge-offs | 2,000.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 453.0000% | 63 |
| Efficiency ratio | 84.0185% | 2,347 |
| Assets per employee ($millions) | 4.1371% | 3,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 4,529 |
| Loan loss allowance to noncurrent loans | 46.9269% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 2.0787% | 3,303 |
| Noncurrent loans to loans | 2.8583% | 2,695 |
| Net loans and leases to total assets | 71.7504% | 2,824 |
| Net loans and leases to deposits | 85.7793% | 2,950 |
| Net loans and leases to core deposits | 174.6003% | 202 |
| Total domestic deposits to total assets | 83.6454% | 4,206 |
| Equity capital to assets | 15.2790% | 846 |
| Core capital (leverage) ratio | 10.9211% | 2,270 |
| Tier 1 risk-based capital ratio | 13.9631% | 3,518 |
| Total risk-based capital ratio | 15.1972% | 3,487 |
| Memoranda: | ||
| Average total assets | $105,684,400 | 4,937 |
| Average earning assets | $92,840,800 | 5,036 |
| Average equity | $17,328,600 | 3,607 |
| Average total loans | $80,875,200 | 4,475 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2055% | 1,367 |
| Cost of funding earning assets | 2.5574% | 1,140 |
| Net interest margin | 3.6481% | 4,284 |
| Noninterest income to average assets | 0.1357% | 7,201 |
| Noninterest expense to average assets | 3.0687% | 3,772 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.2663% | 4,923 |
| Return on assets (ROA) | 0.3981% | 4,507 |
| Pretax return on assets | 0.3981% | 4,806 |
| Return on Equity (ROE) | 2.3826% | 5,034 |
| Retained earnings to average equity (ytd only) | 2.3826% | 3,992 |
| Net charge-offs to loans | 0.0017% | 6,968 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 206.5113% | 184 |
| Efficiency ratio | 87.9845% | 1,876 |
| Assets per employee ($millions) | 3.9199% | 3,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 4,559 |
| Loan loss allowance to noncurrent loans | 99.1071% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 1.0204% | 5,035 |
| Noncurrent loans to loans | 1.3030% | 4,762 |
| Net loans and leases to total assets | 77.3051% | 1,719 |
| Net loans and leases to deposits | 94.3667% | 1,814 |
| Net loans and leases to core deposits | 183.3618% | 165 |
| Total domestic deposits to total assets | 81.9199% | 4,703 |
| Equity capital to assets | 15.8807% | 808 |
| Core capital (leverage) ratio | 11.9691% | 1,812 |
| Tier 1 risk-based capital ratio | 13.8216% | 3,654 |
| Total risk-based capital ratio | 15.0833% | 3,602 |
| Memoranda: | ||
| Average total assets | $103,145,750 | 5,041 |
| Average earning assets | $90,455,000 | 5,148 |
| Average equity | $17,236,000 | 3,656 |
| Average total loans | $80,032,750 | 4,549 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2770% | 1,268 |
| Cost of funding earning assets | 2.6742% | 1,096 |
| Net interest margin | 3.6028% | 4,347 |
| Noninterest income to average assets | 0.1288% | 7,318 |
| Noninterest expense to average assets | 3.0572% | 3,859 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2080% | 5,237 |
| Return on assets (ROA) | 0.3745% | 4,704 |
| Pretax return on assets | 0.3745% | 5,002 |
| Return on Equity (ROE) | 2.2013% | 5,216 |
| Retained earnings to average equity (ytd only) | 2.2013% | 4,116 |
| Net charge-offs to loans | 0.0026% | 6,592 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 105.0000% | 365 |
| Efficiency ratio | 89.4417% | 1,866 |
| Assets per employee ($millions) | 3.7763% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3956% | 3,747 |
| Loan loss allowance to noncurrent loans | 88.4462% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 1.2309% | 4,481 |
| Noncurrent loans to loans | 1.5779% | 4,132 |
| Net loans and leases to total assets | 76.9201% | 1,965 |
| Net loans and leases to deposits | 92.9527% | 2,284 |
| Net loans and leases to core deposits | 190.2183% | 158 |
| Total domestic deposits to total assets | 82.7519% | 4,356 |
| Equity capital to assets | 16.9205% | 676 |
| Core capital (leverage) ratio | 12.1438% | 1,776 |
| Tier 1 risk-based capital ratio | 14.9249% | 3,056 |
| Total risk-based capital ratio | 16.1890% | 2,989 |
| Memoranda: | ||
| Average total assets | $100,942,330 | 5,137 |
| Average earning assets | $87,876,330 | 5,271 |
| Average equity | $17,171,330 | 3,680 |
| Average total loans | $78,058,000 | 4,655 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3633% | 1,149 |
| Cost of funding earning assets | 2.8302% | 909 |
| Net interest margin | 3.5331% | 4,602 |
| Noninterest income to average assets | 0.1036% | 7,520 |
| Noninterest expense to average assets | 3.0069% | 3,744 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1195% | 5,923 |
| Return on assets (ROA) | 0.3107% | 5,434 |
| Pretax return on assets | 0.3107% | 5,653 |
| Return on Equity (ROE) | 1.8213% | 5,834 |
| Retained earnings to average equity (ytd only) | 1.8213% | 4,837 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7197% | 1,594 |
| Assets per employee ($millions) | 3.6055% | 4,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4760% | 3,113 |
| Loan loss allowance to noncurrent loans | 90.9984% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 1.2553% | 4,163 |
| Noncurrent loans to loans | 1.6220% | 3,845 |
| Net loans and leases to total assets | 76.2504% | 2,216 |
| Net loans and leases to deposits | 92.9105% | 2,452 |
| Net loans and leases to core deposits | 185.2807% | 204 |
| Total domestic deposits to total assets | 82.0686% | 4,522 |
| Equity capital to assets | 17.6489% | 650 |
| Core capital (leverage) ratio | 12.1856% | 1,824 |
| Tier 1 risk-based capital ratio | 15.1935% | 2,973 |
| Total risk-based capital ratio | 16.4587% | 2,925 |
| Memoranda: | ||
| Average total assets | $100,434,000 | 5,169 |
| Average earning assets | $85,930,000 | 5,360 |
| Average equity | $17,131,000 | 3,712 |
| Average total loans | $77,318,500 | 4,709 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9556% | 1,248 |
| Cost of funding earning assets | 3.5447% | 461 |
| Net interest margin | 3.4109% | 5,615 |
| Noninterest income to average assets | 0.1181% | 7,531 |
| Noninterest expense to average assets | 2.5661% | 5,768 |
| Loan and lease loss provision to assets | 0.5085% | 2,773 |
| Net operating income to assets | 0.0298% | 6,284 |
| Return on assets (ROA) | 0.0616% | 6,057 |
| Pretax return on assets | 0.0616% | 6,024 |
| Return on Equity (ROE) | 0.3522% | 6,119 |
| Retained earnings to average equity (ytd only) | 0.3522% | 5,030 |
| Net charge-offs to loans | 0.0080% | 6,822 |
| Credit loss provision to net charge-offs | 8,250.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 87.3333% | 484 |
| Efficiency ratio | 77.1343% | 3,056 |
| Assets per employee ($millions) | 3.9815% | 3,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4023% | 3,177 |
| Loan loss allowance to noncurrent loans | 84.8207% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 1.2664% | 3,692 |
| Noncurrent loans to loans | 1.6533% | 3,291 |
| Net loans and leases to total assets | 75.5262% | 2,750 |
| Net loans and leases to deposits | 95.2697% | 2,566 |
| Net loans and leases to core deposits | 206.7266% | 150 |
| Total domestic deposits to total assets | 79.2763% | 5,271 |
| Equity capital to assets | 16.5004% | 841 |
| Core capital (leverage) ratio | 11.8966% | 2,027 |
| Tier 1 risk-based capital ratio | 14.0029% | 3,548 |
| Total risk-based capital ratio | 15.2663% | 3,458 |
| Memoranda: | ||
| Average total assets | $97,345,800 | 5,129 |
| Average earning assets | $85,226,400 | 5,262 |
| Average equity | $17,035,600 | 3,730 |
| Average total loans | $74,553,600 | 4,712 |