Home > Providence Bank of Texas, ssb > Performance and Condition Ratios
Providence Bank of Texas, ssb, Performance and Condition Ratios
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4649% | 525 |
| Cost of funding earning assets | 0.3998% | 1,290 |
| Net interest margin | 4.0651% | 553 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 2.7005% | 1,475 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.8817% | 2,958 |
| Return on assets (ROA) | 0.8817% | 2,926 |
| Pretax return on assets | 1.1188% | 2,662 |
| Return on Equity (ROE) | 7.3900% | 3,496 |
| Retained earnings to average equity (ytd only) | 7.3935% | 2,234 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.3081% | 1,847 |
| Assets per employee ($millions) | 9.2126% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 3,425 |
| Loan loss allowance to noncurrent loans | 364.5000% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.2068% | 2,229 |
| Noncurrent loans to loans | 0.2769% | 2,264 |
| Net loans and leases to total assets | 73.9200% | 1,105 |
| Net loans and leases to deposits | 90.3255% | 870 |
| Net loans and leases to core deposits | 96.6780% | 969 |
| Total domestic deposits to total assets | 81.8400% | 3,860 |
| Equity capital to assets | 12.5165% | 767 |
| Core capital (leverage) ratio | 12.3104% | 1,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4258% | 1,592 |
| Memoranda: | ||
| Average total assets | $197,341,750 | 3,082 |
| Average earning assets | $181,080,250 | 3,083 |
| Average equity | $23,533,750 | 2,702 |
| Average total loans | $139,423,000 | 2,735 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2628% | 552 |
| Cost of funding earning assets | 0.3550% | 1,222 |
| Net interest margin | 3.9077% | 596 |
| Noninterest income to average assets | 0.1661% | 4,180 |
| Noninterest expense to average assets | 2.5917% | 1,658 |
| Loan and lease loss provision to assets | 0.0846% | 1,174 |
| Net operating income to assets | 0.8297% | 2,854 |
| Return on assets (ROA) | 0.8297% | 2,828 |
| Pretax return on assets | 1.0472% | 2,577 |
| Return on Equity (ROE) | 7.0709% | 3,293 |
| Retained earnings to average equity (ytd only) | 7.0709% | 1,963 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6052% | 2,017 |
| Assets per employee ($millions) | 9.0132% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 3,574 |
| Loan loss allowance to noncurrent loans | 357.0000% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.2017% | 2,316 |
| Noncurrent loans to loans | 0.2814% | 2,337 |
| Net loans and leases to total assets | 70.9713% | 1,204 |
| Net loans and leases to deposits | 85.7910% | 990 |
| Net loans and leases to core deposits | 91.9401% | 1,021 |
| Total domestic deposits to total assets | 82.7258% | 3,913 |
| Equity capital to assets | 11.9693% | 889 |
| Core capital (leverage) ratio | 11.9000% | 1,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5584% | 1,557 |
| Memoranda: | ||
| Average total assets | $198,634,333 | 3,108 |
| Average earning assets | $180,821,000 | 3,125 |
| Average equity | $23,306,667 | 2,792 |
| Average total loans | $137,742,333 | 2,766 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2107% | 506 |
| Cost of funding earning assets | 0.3594% | 1,135 |
| Net interest margin | 3.8513% | 568 |
| Noninterest income to average assets | 0.1710% | 4,139 |
| Noninterest expense to average assets | 2.6478% | 1,483 |
| Loan and lease loss provision to assets | 0.0825% | 995 |
| Net operating income to assets | 0.7424% | 2,883 |
| Return on assets (ROA) | 0.7424% | 2,878 |
| Pretax return on assets | 0.9336% | 2,654 |
| Return on Equity (ROE) | 6.3915% | 3,222 |
| Retained earnings to average equity (ytd only) | 6.3915% | 2,112 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2680% | 1,940 |
| Assets per employee ($millions) | 8.2546% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 3,648 |
| Loan loss allowance to noncurrent loans | 346.2500% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 2,422 |
| Noncurrent loans to loans | 0.2934% | 2,417 |
| Net loans and leases to total assets | 68.1164% | 1,203 |
| Net loans and leases to deposits | 82.0730% | 1,005 |
| Net loans and leases to core deposits | 88.9213% | 971 |
| Total domestic deposits to total assets | 82.9949% | 3,939 |
| Equity capital to assets | 11.7500% | 1,041 |
| Core capital (leverage) ratio | 11.8567% | 1,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9612% | 1,527 |
| Memoranda: | ||
| Average total assets | $198,806,500 | 3,110 |
| Average earning assets | $180,301,000 | 3,137 |
| Average equity | $23,093,000 | 2,901 |
| Average total loans | $135,535,000 | 2,793 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1959% | 999 |
| Cost of funding earning assets | 0.5366% | 765 |
| Net interest margin | 3.6593% | 1,321 |
| Noninterest income to average assets | 0.2066% | 4,131 |
| Noninterest expense to average assets | 2.4289% | 2,401 |
| Loan and lease loss provision to assets | 0.0784% | 1,554 |
| Net operating income to assets | 0.7783% | 3,395 |
| Return on assets (ROA) | 0.7783% | 3,469 |
| Pretax return on assets | 0.9739% | 3,334 |
| Return on Equity (ROE) | 7.0026% | 3,518 |
| Retained earnings to average equity (ytd only) | 7.0026% | 1,915 |
| Net charge-offs to loans | 0.0023% | 2,545 |
| Credit loss provision to net charge-offs | 5,200.0000% | 140 |
| Earnings coverage of net charge-offs (x) | 697.6667% | 210 |
| Efficiency ratio | 69.7718% | 1,763 |
| Assets per employee ($millions) | 8.3126% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9975% | 3,766 |
| Loan loss allowance to noncurrent loans | 289.0323% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.2331% | 2,396 |
| Noncurrent loans to loans | 0.3451% | 2,343 |
| Net loans and leases to total assets | 66.8640% | 1,391 |
| Net loans and leases to deposits | 80.2898% | 1,190 |
| Net loans and leases to core deposits | 87.2730% | 1,121 |
| Total domestic deposits to total assets | 83.2784% | 3,751 |
| Equity capital to assets | 11.4826% | 1,517 |
| Core capital (leverage) ratio | 11.2901% | 1,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6111% | 1,360 |
| Memoranda: | ||
| Average total assets | $198,896,800 | 3,073 |
| Average earning assets | $177,982,800 | 3,110 |
| Average equity | $22,106,200 | 3,054 |
| Average total loans | $129,285,400 | 2,864 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2296% | 1,063 |
| Cost of funding earning assets | 0.5796% | 703 |
| Net interest margin | 3.6500% | 1,465 |
| Noninterest income to average assets | 0.2140% | 4,119 |
| Noninterest expense to average assets | 2.4379% | 2,315 |
| Loan and lease loss provision to assets | 0.0709% | 1,606 |
| Net operating income to assets | 0.7567% | 3,636 |
| Return on assets (ROA) | 0.7567% | 3,699 |
| Pretax return on assets | 0.9452% | 3,597 |
| Return on Equity (ROE) | 6.8656% | 3,702 |
| Retained earnings to average equity (ytd only) | 6.8656% | 2,470 |
| Net charge-offs to loans | 0.0031% | 2,234 |
| Credit loss provision to net charge-offs | 3,533.3333% | 213 |
| Earnings coverage of net charge-offs (x) | 505.0000% | 297 |
| Efficiency ratio | 70.5768% | 1,539 |
| Assets per employee ($millions) | 8.4660% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9542% | 3,994 |
| Loan loss allowance to noncurrent loans | 278.2796% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.2289% | 2,635 |
| Noncurrent loans to loans | 0.3429% | 2,557 |
| Net loans and leases to total assets | 66.1040% | 1,532 |
| Net loans and leases to deposits | 78.9834% | 1,388 |
| Net loans and leases to core deposits | 87.2955% | 1,198 |
| Total domestic deposits to total assets | 83.6935% | 3,539 |
| Equity capital to assets | 11.0679% | 1,965 |
| Core capital (leverage) ratio | 10.8879% | 1,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4707% | 1,497 |
| Memoranda: | ||
| Average total assets | $198,745,500 | 3,107 |
| Average earning assets | $176,435,000 | 3,158 |
| Average equity | $21,905,750 | 3,101 |
| Average total loans | $127,922,000 | 2,909 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 945 |
| Cost of funding earning assets | 0.6322% | 629 |
| Net interest margin | 3.7023% | 1,344 |
| Noninterest income to average assets | 0.2322% | 4,012 |
| Noninterest expense to average assets | 2.4718% | 2,235 |
| Loan and lease loss provision to assets | 0.0639% | 1,760 |
| Net operating income to assets | 0.7604% | 3,613 |
| Return on assets (ROA) | 0.7604% | 3,679 |
| Pretax return on assets | 0.9500% | 3,545 |
| Return on Equity (ROE) | 6.9087% | 3,682 |
| Retained earnings to average equity (ytd only) | 6.9087% | 2,463 |
| Net charge-offs to loans | 0.0048% | 1,974 |
| Credit loss provision to net charge-offs | 2,100.0000% | 280 |
| Earnings coverage of net charge-offs (x) | 333.3333% | 348 |
| Efficiency ratio | 70.9133% | 1,537 |
| Assets per employee ($millions) | 7.9632% | 1,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 3,984 |
| Loan loss allowance to noncurrent loans | 242.9126% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.2587% | 2,635 |
| Noncurrent loans to loans | 0.3926% | 2,496 |
| Net loans and leases to total assets | 65.2565% | 1,791 |
| Net loans and leases to deposits | 78.8483% | 1,538 |
| Net loans and leases to core deposits | 87.4263% | 1,314 |
| Total domestic deposits to total assets | 82.7621% | 3,757 |
| Equity capital to assets | 11.1056% | 1,907 |
| Core capital (leverage) ratio | 11.0433% | 1,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6308% | 1,438 |
| Memoranda: | ||
| Average total assets | $197,266,333 | 3,123 |
| Average earning assets | $173,350,333 | 3,189 |
| Average equity | $21,711,667 | 3,114 |
| Average total loans | $125,360,667 | 2,954 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2564% | 1,107 |
| Cost of funding earning assets | 0.6959% | 556 |
| Net interest margin | 3.5605% | 1,675 |
| Noninterest income to average assets | 0.1365% | 4,524 |
| Noninterest expense to average assets | 2.4384% | 2,364 |
| Loan and lease loss provision to assets | 0.0469% | 2,142 |
| Net operating income to assets | 0.6335% | 3,854 |
| Return on assets (ROA) | 0.6335% | 3,922 |
| Pretax return on assets | 0.7883% | 3,833 |
| Return on Equity (ROE) | 5.7826% | 3,922 |
| Retained earnings to average equity (ytd only) | 5.7826% | 2,972 |
| Net charge-offs to loans | 0.0098% | 1,564 |
| Credit loss provision to net charge-offs | 766.6667% | 488 |
| Earnings coverage of net charge-offs (x) | 136.6667% | 517 |
| Efficiency ratio | 74.4866% | 1,266 |
| Assets per employee ($millions) | 8.2451% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 3,879 |
| Loan loss allowance to noncurrent loans | 235.1456% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.2603% | 2,845 |
| Noncurrent loans to loans | 0.4208% | 2,596 |
| Net loans and leases to total assets | 61.2407% | 2,372 |
| Net loans and leases to deposits | 73.7140% | 2,139 |
| Net loans and leases to core deposits | 82.6350% | 1,790 |
| Total domestic deposits to total assets | 83.0789% | 3,667 |
| Equity capital to assets | 10.9509% | 1,898 |
| Core capital (leverage) ratio | 11.2272% | 1,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2888% | 1,222 |
| Memoranda: | ||
| Average total assets | $196,360,000 | 3,115 |
| Average earning assets | $173,010,500 | 3,185 |
| Average equity | $21,513,000 | 3,117 |
| Average total loans | $122,459,500 | 2,993 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6510% | 992 |
| Cost of funding earning assets | 1.0401% | 509 |
| Net interest margin | 3.6109% | 2,107 |
| Noninterest income to average assets | 0.1685% | 4,447 |
| Noninterest expense to average assets | 2.6772% | 2,304 |
| Loan and lease loss provision to assets | 0.0779% | 3,403 |
| Net operating income to assets | 0.5500% | 3,906 |
| Return on assets (ROA) | 0.5500% | 4,000 |
| Pretax return on assets | 0.6833% | 3,915 |
| Return on Equity (ROE) | 4.5632% | 4,007 |
| Retained earnings to average equity (ytd only) | 4.5632% | 2,499 |
| Net charge-offs to loans | 0.0049% | 3,175 |
| Credit loss provision to net charge-offs | 2,250.0000% | 402 |
| Earnings coverage of net charge-offs (x) | 219.8333% | 439 |
| Efficiency ratio | 77.8617% | 1,040 |
| Assets per employee ($millions) | 8.1182% | 994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9721% | 3,973 |
| Loan loss allowance to noncurrent loans | 231.2621% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.2643% | 2,980 |
| Noncurrent loans to loans | 0.4203% | 2,718 |
| Net loans and leases to total assets | 62.2736% | 2,573 |
| Net loans and leases to deposits | 78.1693% | 2,052 |
| Net loans and leases to core deposits | 88.9355% | 1,612 |
| Total domestic deposits to total assets | 79.6651% | 4,111 |
| Equity capital to assets | 10.9610% | 2,286 |
| Core capital (leverage) ratio | 11.1848% | 1,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1444% | 1,225 |
| Memoranda: | ||
| Average total assets | $173,278,600 | 3,166 |
| Average earning assets | $156,913,200 | 3,196 |
| Average equity | $20,884,400 | 3,104 |
| Average total loans | $122,948,600 | 2,951 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7982% | 881 |
| Cost of funding earning assets | 1.1011% | 538 |
| Net interest margin | 3.6970% | 1,958 |
| Noninterest income to average assets | 0.1564% | 4,508 |
| Noninterest expense to average assets | 2.7788% | 2,023 |
| Loan and lease loss provision to assets | 0.0435% | 3,812 |
| Net operating income to assets | 0.5559% | 3,894 |
| Return on assets (ROA) | 0.5559% | 3,982 |
| Pretax return on assets | 0.6909% | 3,921 |
| Return on Equity (ROE) | 4.4943% | 4,031 |
| Retained earnings to average equity (ytd only) | 4.4943% | 2,803 |
| Net charge-offs to loans | 0.0065% | 2,896 |
| Credit loss provision to net charge-offs | 916.6667% | 887 |
| Earnings coverage of net charge-offs (x) | 154.1667% | 586 |
| Efficiency ratio | 79.0913% | 932 |
| Assets per employee ($millions) | 7.9353% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8527% | 4,219 |
| Loan loss allowance to noncurrent loans | 215.7282% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 3,038 |
| Noncurrent loans to loans | 0.3953% | 2,874 |
| Net loans and leases to total assets | 70.7782% | 1,847 |
| Net loans and leases to deposits | 90.3469% | 1,234 |
| Net loans and leases to core deposits | 103.6608% | 948 |
| Total domestic deposits to total assets | 78.3405% | 4,146 |
| Equity capital to assets | 11.5626% | 1,955 |
| Core capital (leverage) ratio | 11.6255% | 1,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0350% | 1,240 |
| Memoranda: | ||
| Average total assets | $167,889,000 | 3,197 |
| Average earning assets | $152,443,500 | 3,217 |
| Average equity | $20,766,500 | 3,116 |
| Average total loans | $123,055,000 | 2,958 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0605% | 743 |
| Cost of funding earning assets | 1.1628% | 584 |
| Net interest margin | 3.8977% | 1,576 |
| Noninterest income to average assets | 0.1632% | 4,474 |
| Noninterest expense to average assets | 2.9028% | 1,822 |
| Loan and lease loss provision to assets | 0.0368% | 3,811 |
| Net operating income to assets | 0.6134% | 3,691 |
| Return on assets (ROA) | 0.6134% | 3,769 |
| Pretax return on assets | 0.7643% | 3,690 |
| Return on Equity (ROE) | 4.8416% | 3,876 |
| Retained earnings to average equity (ytd only) | 4.8416% | 2,550 |
| Net charge-offs to loans | 0.0099% | 2,592 |
| Credit loss provision to net charge-offs | 500.0000% | 1,228 |
| Earnings coverage of net charge-offs (x) | 108.8333% | 664 |
| Efficiency ratio | 78.3703% | 1,020 |
| Assets per employee ($millions) | 6.5643% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8617% | 4,149 |
| Loan loss allowance to noncurrent loans | 210.8738% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.2906% | 3,155 |
| Noncurrent loans to loans | 0.4086% | 2,941 |
| Net loans and leases to total assets | 70.4945% | 1,953 |
| Net loans and leases to deposits | 90.5363% | 1,304 |
| Net loans and leases to core deposits | 104.3567% | 978 |
| Total domestic deposits to total assets | 77.8633% | 4,205 |
| Equity capital to assets | 11.7939% | 1,786 |
| Core capital (leverage) ratio | 12.3455% | 1,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3932% | 1,158 |
| Memoranda: | ||
| Average total assets | $163,015,000 | 3,218 |
| Average earning assets | $148,087,333 | 3,242 |
| Average equity | $20,654,333 | 3,118 |
| Average total loans | $120,643,667 | 2,974 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2913% | 560 |
| Cost of funding earning assets | 1.2416% | 670 |
| Net interest margin | 4.0498% | 1,252 |
| Noninterest income to average assets | 0.1847% | 4,440 |
| Noninterest expense to average assets | 3.0737% | 1,708 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6542% | 3,440 |
| Return on assets (ROA) | 0.6542% | 3,498 |
| Pretax return on assets | 0.8184% | 3,364 |
| Return on Equity (ROE) | 4.9683% | 3,645 |
| Retained earnings to average equity (ytd only) | 4.9683% | 2,289 |
| Net charge-offs to loans | 0.0203% | 1,957 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 53.1667% | 857 |
| Efficiency ratio | 78.9717% | 1,239 |
| Assets per employee ($millions) | 5.9217% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8623% | 4,239 |
| Loan loss allowance to noncurrent loans | 205.0485% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.3221% | 3,156 |
| Noncurrent loans to loans | 0.4205% | 2,985 |
| Net loans and leases to total assets | 75.9349% | 1,316 |
| Net loans and leases to deposits | 96.4030% | 870 |
| Net loans and leases to core deposits | 115.0871% | 623 |
| Total domestic deposits to total assets | 78.7681% | 4,094 |
| Equity capital to assets | 12.9204% | 1,474 |
| Core capital (leverage) ratio | 13.6636% | 998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9897% | 1,351 |
| Memoranda: | ||
| Average total assets | $155,905,000 | 3,257 |
| Average earning assets | $142,724,000 | 3,265 |
| Average equity | $20,530,000 | 3,118 |
| Average total loans | $117,952,000 | 2,979 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4079% | 659 |
| Cost of funding earning assets | 1.3743% | 612 |
| Net interest margin | 4.0336% | 1,734 |
| Noninterest income to average assets | 0.2126% | 4,396 |
| Noninterest expense to average assets | 2.9958% | 2,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7340% | 3,753 |
| Return on assets (ROA) | 0.7340% | 3,823 |
| Pretax return on assets | 0.9134% | 3,700 |
| Return on Equity (ROE) | 5.5596% | 4,049 |
| Retained earnings to average equity (ytd only) | 5.5596% | 2,126 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6355% | 1,301 |
| Assets per employee ($millions) | 5.6268% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9362% | 3,808 |
| Loan loss allowance to noncurrent loans | 206.2136% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.3390% | 3,058 |
| Noncurrent loans to loans | 0.4540% | 2,813 |
| Net loans and leases to total assets | 73.9691% | 1,761 |
| Net loans and leases to deposits | 86.6343% | 2,018 |
| Net loans and leases to core deposits | 105.0007% | 1,166 |
| Total domestic deposits to total assets | 85.3808% | 2,353 |
| Equity capital to assets | 13.4292% | 1,313 |
| Core capital (leverage) ratio | 13.7118% | 998 |
| Tier 1 risk-based capital ratio | 16.9689% | 2,059 |
| Total risk-based capital ratio | 17.8522% | 2,119 |
| Memoranda: | ||
| Average total assets | $150,542,800 | 3,294 |
| Average earning assets | $137,965,200 | 3,312 |
| Average equity | $19,875,600 | 3,145 |
| Average total loans | $114,288,400 | 3,019 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4646% | 627 |
| Cost of funding earning assets | 1.4119% | 556 |
| Net interest margin | 4.0527% | 1,751 |
| Noninterest income to average assets | 0.2148% | 4,438 |
| Noninterest expense to average assets | 2.9596% | 2,084 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7794% | 3,743 |
| Return on assets (ROA) | 0.7794% | 3,812 |
| Pretax return on assets | 0.9703% | 3,685 |
| Return on Equity (ROE) | 5.9291% | 4,065 |
| Retained earnings to average equity (ytd only) | 5.9291% | 2,405 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3106% | 1,414 |
| Assets per employee ($millions) | 6.6323% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9162% | 3,981 |
| Loan loss allowance to noncurrent loans | 206.2136% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.3376% | 3,177 |
| Noncurrent loans to loans | 0.4443% | 2,977 |
| Net loans and leases to total assets | 75.2888% | 1,604 |
| Net loans and leases to deposits | 88.1222% | 1,914 |
| Net loans and leases to core deposits | 109.1110% | 988 |
| Total domestic deposits to total assets | 85.4368% | 2,239 |
| Equity capital to assets | 13.2259% | 1,499 |
| Core capital (leverage) ratio | 13.4335% | 1,154 |
| Tier 1 risk-based capital ratio | 16.4688% | 2,279 |
| Total risk-based capital ratio | 17.3358% | 2,339 |
| Memoranda: | ||
| Average total assets | $150,197,750 | 3,330 |
| Average earning assets | $137,681,750 | 3,347 |
| Average equity | $19,744,000 | 3,174 |
| Average total loans | $114,501,000 | 3,051 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4330% | 639 |
| Cost of funding earning assets | 1.3532% | 634 |
| Net interest margin | 4.0799% | 1,669 |
| Noninterest income to average assets | 0.2289% | 4,382 |
| Noninterest expense to average assets | 2.9689% | 2,088 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8098% | 3,616 |
| Return on assets (ROA) | 0.8098% | 3,675 |
| Pretax return on assets | 1.0093% | 3,515 |
| Return on Equity (ROE) | 6.1734% | 3,992 |
| Retained earnings to average equity (ytd only) | 6.1734% | 2,205 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6299% | 1,566 |
| Assets per employee ($millions) | 7.1074% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9560% | 3,857 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 73.7134% | 1,934 |
| Net loans and leases to deposits | 86.3418% | 2,217 |
| Net loans and leases to core deposits | 107.3072% | 1,156 |
| Total domestic deposits to total assets | 85.3740% | 2,319 |
| Equity capital to assets | 13.3342% | 1,419 |
| Core capital (leverage) ratio | 13.3362% | 1,175 |
| Tier 1 risk-based capital ratio | 16.1588% | 2,344 |
| Total risk-based capital ratio | 17.0211% | 2,448 |
| Memoranda: | ||
| Average total assets | $149,416,330 | 3,359 |
| Average earning assets | $137,308,330 | 3,371 |
| Average equity | $19,600,330 | 3,186 |
| Average total loans | $114,031,670 | 3,070 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4081% | 621 |
| Cost of funding earning assets | 1.2742% | 714 |
| Net interest margin | 4.1339% | 1,471 |
| Noninterest income to average assets | 0.2569% | 4,171 |
| Noninterest expense to average assets | 3.0235% | 1,924 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8294% | 3,518 |
| Return on assets (ROA) | 0.8294% | 3,556 |
| Pretax return on assets | 1.0355% | 3,326 |
| Return on Equity (ROE) | 6.3755% | 3,886 |
| Retained earnings to average equity (ytd only) | 6.3755% | 2,286 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4891% | 1,682 |
| Assets per employee ($millions) | 6.7757% | 1,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9102% | 4,109 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 77.5569% | 1,228 |
| Net loans and leases to deposits | 90.6113% | 1,554 |
| Net loans and leases to core deposits | 110.3295% | 913 |
| Total domestic deposits to total assets | 85.5930% | 2,449 |
| Equity capital to assets | 13.1532% | 1,369 |
| Core capital (leverage) ratio | 13.0347% | 1,258 |
| Tier 1 risk-based capital ratio | 15.4234% | 2,687 |
| Total risk-based capital ratio | 16.2588% | 2,808 |
| Memoranda: | ||
| Average total assets | $149,497,000 | 3,394 |
| Average earning assets | $137,498,000 | 3,403 |
| Average equity | $19,449,500 | 3,205 |
| Average total loans | $115,506,000 | 3,068 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2360% | 658 |
| Cost of funding earning assets | 0.9652% | 861 |
| Net interest margin | 4.2708% | 1,222 |
| Noninterest income to average assets | 0.1906% | 4,762 |
| Noninterest expense to average assets | 2.7731% | 2,777 |
| Loan and lease loss provision to assets | 0.0094% | 3,935 |
| Net operating income to assets | 1.0327% | 2,874 |
| Return on assets (ROA) | 1.0327% | 2,858 |
| Pretax return on assets | 1.2909% | 2,539 |
| Return on Equity (ROE) | 8.3578% | 3,296 |
| Retained earnings to average equity (ytd only) | 8.3578% | 1,099 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0788% | 2,529 |
| Assets per employee ($millions) | 6.8149% | 1,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9288% | 4,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 75.5543% | 1,682 |
| Net loans and leases to deposits | 87.5639% | 2,110 |
| Net loans and leases to core deposits | 105.2780% | 1,317 |
| Total domestic deposits to total assets | 86.2848% | 2,097 |
| Equity capital to assets | 12.8675% | 1,407 |
| Core capital (leverage) ratio | 12.8478% | 1,307 |
| Tier 1 risk-based capital ratio | 15.4580% | 2,642 |
| Total risk-based capital ratio | 16.3089% | 2,735 |
| Memoranda: | ||
| Average total assets | $149,505,200 | 3,393 |
| Average earning assets | $135,923,800 | 3,412 |
| Average equity | $18,473,800 | 3,243 |
| Average total loans | $113,584,600 | 3,089 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2444% | 572 |
| Cost of funding earning assets | 0.9125% | 873 |
| Net interest margin | 4.3320% | 1,048 |
| Noninterest income to average assets | 0.1749% | 4,910 |
| Noninterest expense to average assets | 2.7889% | 2,673 |
| Loan and lease loss provision to assets | 0.0125% | 3,747 |
| Net operating income to assets | 1.0406% | 2,919 |
| Return on assets (ROA) | 1.0406% | 2,927 |
| Pretax return on assets | 1.3012% | 2,626 |
| Return on Equity (ROE) | 8.5095% | 3,326 |
| Retained earnings to average equity (ytd only) | 8.5095% | 1,414 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9791% | 2,544 |
| Assets per employee ($millions) | 6.7296% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9662% | 3,966 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 73.5221% | 2,069 |
| Net loans and leases to deposits | 84.6233% | 2,522 |
| Net loans and leases to core deposits | 98.3475% | 1,909 |
| Total domestic deposits to total assets | 86.8816% | 1,784 |
| Equity capital to assets | 12.7719% | 1,435 |
| Core capital (leverage) ratio | 12.1893% | 1,671 |
| Tier 1 risk-based capital ratio | 15.3061% | 2,737 |
| Total risk-based capital ratio | 16.1657% | 2,838 |
| Memoranda: | ||
| Average total assets | $149,399,500 | 3,430 |
| Average earning assets | $135,455,000 | 3,456 |
| Average equity | $18,269,250 | 3,288 |
| Average total loans | $113,396,000 | 3,116 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9879% | 849 |
| Cost of funding earning assets | 0.8799% | 795 |
| Net interest margin | 4.1080% | 1,533 |
| Noninterest income to average assets | 0.1788% | 4,930 |
| Noninterest expense to average assets | 2.7721% | 2,753 |
| Loan and lease loss provision to assets | 0.0187% | 3,524 |
| Net operating income to assets | 0.8782% | 3,547 |
| Return on assets (ROA) | 0.8782% | 3,552 |
| Pretax return on assets | 1.0958% | 3,333 |
| Return on Equity (ROE) | 7.2884% | 3,797 |
| Retained earnings to average equity (ytd only) | 7.2884% | 1,930 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3255% | 2,110 |
| Assets per employee ($millions) | 8.6089% | 504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 4,176 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 72.4871% | 2,198 |
| Net loans and leases to deposits | 82.4720% | 2,717 |
| Net loans and leases to core deposits | 95.9133% | 2,062 |
| Total domestic deposits to total assets | 87.8930% | 1,436 |
| Equity capital to assets | 11.8715% | 1,943 |
| Core capital (leverage) ratio | 11.6978% | 1,911 |
| Tier 1 risk-based capital ratio | 14.8209% | 2,963 |
| Total risk-based capital ratio | 15.6765% | 3,063 |
| Memoranda: | ||
| Average total assets | $149,848,670 | 3,437 |
| Average earning assets | $135,248,330 | 3,484 |
| Average equity | $18,056,000 | 3,325 |
| Average total loans | $114,557,000 | 3,098 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0323% | 655 |
| Cost of funding earning assets | 0.8372% | 804 |
| Net interest margin | 4.1951% | 1,186 |
| Noninterest income to average assets | 0.2064% | 4,789 |
| Noninterest expense to average assets | 2.8515% | 2,526 |
| Loan and lease loss provision to assets | 0.0380% | 2,990 |
| Net operating income to assets | 0.8500% | 3,503 |
| Return on assets (ROA) | 0.8500% | 3,520 |
| Pretax return on assets | 1.0591% | 3,318 |
| Return on Equity (ROE) | 6.9999% | 3,781 |
| Retained earnings to average equity (ytd only) | 6.9999% | 2,276 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2146% | 2,162 |
| Assets per employee ($millions) | 7.3521% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9015% | 4,446 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 75.6804% | 1,589 |
| Net loans and leases to deposits | 85.8404% | 2,184 |
| Net loans and leases to core deposits | 100.0377% | 1,686 |
| Total domestic deposits to total assets | 88.1640% | 1,530 |
| Equity capital to assets | 11.6876% | 2,002 |
| Core capital (leverage) ratio | 12.1744% | 1,544 |
| Tier 1 risk-based capital ratio | 14.1100% | 3,323 |
| Total risk-based capital ratio | 14.9412% | 3,458 |
| Memoranda: | ||
| Average total assets | $147,293,000 | 3,506 |
| Average earning assets | $131,390,000 | 3,571 |
| Average equity | $17,886,000 | 3,367 |
| Average total loans | $115,141,500 | 3,121 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0639% | 570 |
| Cost of funding earning assets | 0.7948% | 637 |
| Net interest margin | 4.2691% | 1,039 |
| Noninterest income to average assets | 0.2742% | 4,487 |
| Noninterest expense to average assets | 2.7995% | 2,781 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5823% | 4,092 |
| Return on assets (ROA) | 0.5823% | 4,130 |
| Pretax return on assets | 1.1061% | 3,163 |
| Return on Equity (ROE) | 4.6611% | 4,303 |
| Retained earnings to average equity (ytd only) | 4.6611% | 2,347 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6793% | 2,280 |
| Assets per employee ($millions) | 6.0953% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9326% | 4,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 79.4097% | 1,053 |
| Net loans and leases to deposits | 91.0590% | 1,643 |
| Net loans and leases to core deposits | 104.3776% | 1,389 |
| Total domestic deposits to total assets | 87.2068% | 1,897 |
| Equity capital to assets | 12.6448% | 1,428 |
| Core capital (leverage) ratio | 12.2909% | 1,454 |
| Tier 1 risk-based capital ratio | 14.3812% | 3,149 |
| Total risk-based capital ratio | 15.2314% | 3,277 |
| Memoranda: | ||
| Average total assets | $138,598,000 | 3,632 |
| Average earning assets | $117,893,800 | 3,789 |
| Average equity | $17,313,600 | 3,456 |
| Average total loans | $96,777,000 | 3,397 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9616% | 662 |
| Cost of funding earning assets | 0.8026% | 573 |
| Net interest margin | 4.1590% | 1,254 |
| Noninterest income to average assets | 0.2807% | 4,510 |
| Noninterest expense to average assets | 2.7997% | 2,727 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6811% | 4,071 |
| Return on assets (ROA) | 0.6811% | 4,132 |
| Pretax return on assets | 0.9956% | 3,704 |
| Return on Equity (ROE) | 5.4695% | 4,337 |
| Retained earnings to average equity (ytd only) | 5.4695% | 2,558 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7672% | 1,931 |
| Assets per employee ($millions) | 6.9692% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0192% | 3,960 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 69.5428% | 2,625 |
| Net loans and leases to deposits | 79.3300% | 3,034 |
| Net loans and leases to core deposits | 91.4924% | 2,495 |
| Total domestic deposits to total assets | 87.6627% | 1,541 |
| Equity capital to assets | 12.0394% | 1,942 |
| Core capital (leverage) ratio | 12.1912% | 1,576 |
| Tier 1 risk-based capital ratio | 14.7177% | 3,053 |
| Total risk-based capital ratio | 15.5931% | 3,177 |
| Memoranda: | ||
| Average total assets | $138,199,500 | 3,672 |
| Average earning assets | $116,788,000 | 3,845 |
| Average equity | $17,210,250 | 3,501 |
| Average total loans | $92,877,750 | 3,502 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7781% | 901 |
| Cost of funding earning assets | 0.8182% | 480 |
| Net interest margin | 3.9598% | 1,742 |
| Noninterest income to average assets | 0.2790% | 4,557 |
| Noninterest expense to average assets | 2.8151% | 2,698 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5521% | 4,513 |
| Return on assets (ROA) | 0.5521% | 4,556 |
| Pretax return on assets | 0.8001% | 4,278 |
| Return on Equity (ROE) | 4.3810% | 4,698 |
| Retained earnings to average equity (ytd only) | 4.3810% | 3,094 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8685% | 1,478 |
| Assets per employee ($millions) | 6.4005% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0930% | 3,625 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 67.3525% | 2,895 |
| Net loans and leases to deposits | 76.9641% | 3,220 |
| Net loans and leases to core deposits | 89.5832% | 2,565 |
| Total domestic deposits to total assets | 87.5115% | 1,713 |
| Equity capital to assets | 12.2740% | 1,746 |
| Core capital (leverage) ratio | 12.3801% | 1,429 |
| Tier 1 risk-based capital ratio | 15.6252% | 2,655 |
| Total risk-based capital ratio | 16.5726% | 2,724 |
| Memoranda: | ||
| Average total assets | $135,481,670 | 3,733 |
| Average earning assets | $114,146,330 | 3,908 |
| Average equity | $17,073,670 | 3,526 |
| Average total loans | $89,561,670 | 3,586 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7100% | 922 |
| Cost of funding earning assets | 0.8495% | 379 |
| Net interest margin | 3.8605% | 1,917 |
| Noninterest income to average assets | 0.2319% | 4,888 |
| Noninterest expense to average assets | 2.8882% | 2,491 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4126% | 4,915 |
| Return on assets (ROA) | 0.4126% | 4,938 |
| Pretax return on assets | 0.5873% | 4,759 |
| Return on Equity (ROE) | 3.2294% | 5,039 |
| Retained earnings to average equity (ytd only) | 3.2294% | 3,815 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1023% | 1,052 |
| Assets per employee ($millions) | 5.7791% | 1,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 3,454 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 68.1395% | 2,659 |
| Net loans and leases to deposits | 78.3249% | 2,937 |
| Net loans and leases to core deposits | 92.5961% | 2,111 |
| Total domestic deposits to total assets | 86.9959% | 2,214 |
| Equity capital to assets | 12.8197% | 1,341 |
| Core capital (leverage) ratio | 12.9143% | 1,179 |
| Tier 1 risk-based capital ratio | 16.2439% | 2,455 |
| Total risk-based capital ratio | 17.2429% | 2,505 |
| Memoranda: | ||
| Average total assets | $132,817,500 | 3,800 |
| Average earning assets | $111,592,500 | 3,984 |
| Average equity | $16,969,000 | 3,552 |
| Average total loans | $86,399,000 | 3,674 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7376% | 987 |
| Cost of funding earning assets | 0.8470% | 396 |
| Net interest margin | 3.8907% | 1,995 |
| Noninterest income to average assets | 0.1752% | 5,348 |
| Noninterest expense to average assets | 2.9728% | 2,427 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4049% | 4,922 |
| Return on assets (ROA) | 0.4049% | 5,009 |
| Pretax return on assets | 0.5770% | 4,854 |
| Return on Equity (ROE) | 3.0402% | 5,145 |
| Retained earnings to average equity (ytd only) | 3.0402% | 3,732 |
| Net charge-offs to loans | 0.0084% | 3,978 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 103.0000% | 586 |
| Efficiency ratio | 83.7466% | 1,034 |
| Assets per employee ($millions) | 5.7702% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 2,599 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 60.3783% | 3,806 |
| Net loans and leases to deposits | 69.3451% | 3,975 |
| Net loans and leases to core deposits | 82.6536% | 3,158 |
| Total domestic deposits to total assets | 87.0693% | 2,108 |
| Equity capital to assets | 12.7325% | 1,378 |
| Core capital (leverage) ratio | 13.1356% | 1,086 |
| Tier 1 risk-based capital ratio | 17.3313% | 2,052 |
| Total risk-based capital ratio | 18.4062% | 2,068 |
| Memoranda: | ||
| Average total assets | $124,967,000 | 3,908 |
| Average earning assets | $108,387,200 | 4,033 |
| Average equity | $16,643,600 | 3,599 |
| Average total loans | $83,263,200 | 3,735 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8256% | 846 |
| Cost of funding earning assets | 0.8491% | 385 |
| Net interest margin | 3.9765% | 1,721 |
| Noninterest income to average assets | 0.1821% | 5,370 |
| Noninterest expense to average assets | 3.0225% | 2,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4465% | 4,884 |
| Return on assets (ROA) | 0.4465% | 4,969 |
| Pretax return on assets | 0.6361% | 4,772 |
| Return on Equity (ROE) | 3.3131% | 5,140 |
| Retained earnings to average equity (ytd only) | 3.3131% | 3,917 |
| Net charge-offs to loans | 0.0111% | 3,542 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 83.8853% | 748 |
| Efficiency ratio | 82.6126% | 1,113 |
| Assets per employee ($millions) | 6.0010% | 1,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 3,255 |
| Loan loss allowance to noncurrent loans | 58.2870% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 1.4268% | 1,290 |
| Noncurrent loans to loans | 2.0534% | 947 |
| Net loans and leases to total assets | 68.6502% | 2,702 |
| Net loans and leases to deposits | 79.4652% | 3,023 |
| Net loans and leases to core deposits | 94.5373% | 2,146 |
| Total domestic deposits to total assets | 86.3903% | 2,174 |
| Equity capital to assets | 13.3304% | 1,330 |
| Core capital (leverage) ratio | 13.5160% | 991 |
| Tier 1 risk-based capital ratio | 16.3773% | 2,462 |
| Total risk-based capital ratio | 17.3990% | 2,518 |
| Memoranda: | ||
| Average total assets | $123,030,000 | 3,965 |
| Average earning assets | $107,561,750 | 4,074 |
| Average equity | $16,580,000 | 3,645 |
| Average total loans | $83,784,250 | 3,735 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6559% | 1,152 |
| Cost of funding earning assets | 0.8467% | 385 |
| Net interest margin | 3.8092% | 2,283 |
| Noninterest income to average assets | 0.1786% | 5,423 |
| Noninterest expense to average assets | 2.9730% | 2,433 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3868% | 5,075 |
| Return on assets (ROA) | 0.3868% | 5,152 |
| Pretax return on assets | 0.5458% | 5,036 |
| Return on Equity (ROE) | 2.8594% | 5,278 |
| Retained earnings to average equity (ytd only) | 2.8594% | 4,082 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4900% | 1,006 |
| Assets per employee ($millions) | 6.2420% | 1,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 3,099 |
| Loan loss allowance to noncurrent loans | 59.8412% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 1.4122% | 1,383 |
| Noncurrent loans to loans | 2.0813% | 943 |
| Net loans and leases to total assets | 67.0079% | 2,939 |
| Net loans and leases to deposits | 77.5345% | 3,207 |
| Net loans and leases to core deposits | 91.9556% | 2,357 |
| Total domestic deposits to total assets | 86.4233% | 2,205 |
| Equity capital to assets | 13.3107% | 1,327 |
| Core capital (leverage) ratio | 13.6893% | 909 |
| Tier 1 risk-based capital ratio | 16.2529% | 2,524 |
| Total risk-based capital ratio | 17.2848% | 2,564 |
| Memoranda: | ||
| Average total assets | $122,033,330 | 4,010 |
| Average earning assets | $107,003,670 | 4,116 |
| Average equity | $16,507,000 | 3,660 |
| Average total loans | $82,525,330 | 3,784 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7267% | 994 |
| Cost of funding earning assets | 0.8594% | 366 |
| Net interest margin | 3.8673% | 2,047 |
| Noninterest income to average assets | 0.1956% | 5,336 |
| Noninterest expense to average assets | 2.8417% | 2,916 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5272% | 4,516 |
| Return on assets (ROA) | 0.5272% | 4,627 |
| Pretax return on assets | 0.7560% | 4,349 |
| Return on Equity (ROE) | 3.8658% | 4,935 |
| Retained earnings to average equity (ytd only) | 3.8658% | 3,567 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9862% | 1,748 |
| Assets per employee ($millions) | 6.2775% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3219% | 2,788 |
| Loan loss allowance to noncurrent loans | 58.9715% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 1.4999% | 1,360 |
| Noncurrent loans to loans | 2.2417% | 906 |
| Net loans and leases to total assets | 66.0272% | 2,941 |
| Net loans and leases to deposits | 76.8927% | 3,120 |
| Net loans and leases to core deposits | 92.0667% | 2,173 |
| Total domestic deposits to total assets | 85.8693% | 2,726 |
| Equity capital to assets | 13.8624% | 1,031 |
| Core capital (leverage) ratio | 13.6092% | 944 |
| Tier 1 risk-based capital ratio | 17.3614% | 2,167 |
| Total risk-based capital ratio | 18.4692% | 2,175 |
| Memoranda: | ||
| Average total assets | $120,630,500 | 4,058 |
| Average earning assets | $106,121,500 | 4,158 |
| Average equity | $16,452,000 | 3,670 |
| Average total loans | $81,434,500 | 3,820 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1973% | 433 |
| Cost of funding earning assets | 0.8694% | 333 |
| Net interest margin | 4.3279% | 910 |
| Noninterest income to average assets | 0.1753% | 5,536 |
| Noninterest expense to average assets | 2.6508% | 3,753 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8942% | 2,905 |
| Return on assets (ROA) | 0.8942% | 2,986 |
| Pretax return on assets | 1.3179% | 2,209 |
| Return on Equity (ROE) | 6.4052% | 3,837 |
| Retained earnings to average equity (ytd only) | 6.4052% | 1,597 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7925% | 3,779 |
| Assets per employee ($millions) | 6.4205% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 3,066 |
| Loan loss allowance to noncurrent loans | 58.2551% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 1.4846% | 1,368 |
| Noncurrent loans to loans | 2.1803% | 920 |
| Net loans and leases to total assets | 67.2249% | 2,832 |
| Net loans and leases to deposits | 77.8639% | 3,068 |
| Net loans and leases to core deposits | 92.2692% | 2,190 |
| Total domestic deposits to total assets | 86.3365% | 2,469 |
| Equity capital to assets | 13.4192% | 1,153 |
| Core capital (leverage) ratio | 13.4513% | 989 |
| Tier 1 risk-based capital ratio | 16.8965% | 2,326 |
| Total risk-based capital ratio | 17.9854% | 2,331 |
| Memoranda: | ||
| Average total assets | $113,513,200 | 4,189 |
| Average earning assets | $99,494,600 | 4,305 |
| Average equity | $15,846,400 | 3,700 |
| Average total loans | $81,220,200 | 3,789 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3520% | 345 |
| Cost of funding earning assets | 0.8582% | 364 |
| Net interest margin | 4.4938% | 664 |
| Noninterest income to average assets | 0.1795% | 5,577 |
| Noninterest expense to average assets | 2.6033% | 3,870 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0222% | 2,367 |
| Return on assets (ROA) | 1.0222% | 2,459 |
| Pretax return on assets | 1.5057% | 1,673 |
| Return on Equity (ROE) | 7.2453% | 3,499 |
| Retained earnings to average equity (ytd only) | 7.2453% | 1,579 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3557% | 4,357 |
| Assets per employee ($millions) | 6.0883% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 3,395 |
| Loan loss allowance to noncurrent loans | 57.0270% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 1.5993% | 1,392 |
| Noncurrent loans to loans | 2.1845% | 1,013 |
| Net loans and leases to total assets | 72.2964% | 2,013 |
| Net loans and leases to deposits | 84.3335% | 2,368 |
| Net loans and leases to core deposits | 99.2146% | 1,584 |
| Total domestic deposits to total assets | 85.7268% | 2,679 |
| Equity capital to assets | 14.0286% | 1,009 |
| Core capital (leverage) ratio | 14.0879% | 840 |
| Tier 1 risk-based capital ratio | 17.3280% | 2,245 |
| Total risk-based capital ratio | 18.4545% | 2,243 |
| Memoranda: | ||
| Average total assets | $111,394,250 | 4,280 |
| Average earning assets | $97,406,750 | 4,394 |
| Average equity | $15,715,500 | 3,760 |
| Average total loans | $80,759,750 | 3,832 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7611% | 967 |
| Cost of funding earning assets | 0.8398% | 404 |
| Net interest margin | 3.9213% | 1,903 |
| Noninterest income to average assets | 0.1728% | 5,667 |
| Noninterest expense to average assets | 2.5553% | 4,057 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7275% | 3,753 |
| Return on assets (ROA) | 0.7275% | 3,874 |
| Pretax return on assets | 1.0567% | 3,356 |
| Return on Equity (ROE) | 5.1465% | 4,550 |
| Retained earnings to average equity (ytd only) | 5.1465% | 2,765 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7452% | 3,204 |
| Assets per employee ($millions) | 6.9693% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 3,342 |
| Loan loss allowance to noncurrent loans | 31.6722% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 2.9872% | 565 |
| Noncurrent loans to loans | 4.0463% | 374 |
| Net loans and leases to total assets | 72.8793% | 1,839 |
| Net loans and leases to deposits | 85.0687% | 2,174 |
| Net loans and leases to core deposits | 100.1528% | 1,479 |
| Total domestic deposits to total assets | 85.6711% | 2,849 |
| Equity capital to assets | 14.1379% | 940 |
| Core capital (leverage) ratio | 14.1811% | 791 |
| Tier 1 risk-based capital ratio | 17.3337% | 2,273 |
| Total risk-based capital ratio | 18.4937% | 2,267 |
| Memoranda: | ||
| Average total assets | $109,966,330 | 4,345 |
| Average earning assets | $96,448,000 | 4,457 |
| Average equity | $15,544,670 | 3,805 |
| Average total loans | $79,451,000 | 3,904 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7385% | 968 |
| Cost of funding earning assets | 0.8203% | 448 |
| Net interest margin | 3.9182% | 1,826 |
| Noninterest income to average assets | 0.1575% | 5,799 |
| Noninterest expense to average assets | 2.5239% | 4,190 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7473% | 3,553 |
| Return on assets (ROA) | 0.7473% | 3,682 |
| Pretax return on assets | 1.0806% | 3,159 |
| Return on Equity (ROE) | 5.2869% | 4,387 |
| Retained earnings to average equity (ytd only) | 5.2869% | 2,897 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0203% | 3,487 |
| Assets per employee ($millions) | 7.8430% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 3,178 |
| Loan loss allowance to noncurrent loans | 31.5302% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 3.0473% | 612 |
| Noncurrent loans to loans | 4.2578% | 381 |
| Net loans and leases to total assets | 70.6089% | 2,057 |
| Net loans and leases to deposits | 82.3867% | 2,290 |
| Net loans and leases to core deposits | 96.3070% | 1,593 |
| Total domestic deposits to total assets | 85.7043% | 3,096 |
| Equity capital to assets | 14.1691% | 928 |
| Core capital (leverage) ratio | 14.4034% | 714 |
| Tier 1 risk-based capital ratio | 17.8074% | 2,196 |
| Total risk-based capital ratio | 19.0150% | 2,179 |
| Memoranda: | ||
| Average total assets | $109,195,000 | 4,387 |
| Average earning assets | $96,065,000 | 4,503 |
| Average equity | $15,434,500 | 3,847 |
| Average total loans | $78,015,500 | 3,962 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5086% | 1,835 |
| Cost of funding earning assets | 0.8320% | 559 |
| Net interest margin | 3.6766% | 3,095 |
| Noninterest income to average assets | 0.1603% | 5,903 |
| Noninterest expense to average assets | 2.4248% | 4,777 |
| Loan and lease loss provision to assets | 0.0028% | 4,547 |
| Net operating income to assets | 0.6843% | 3,971 |
| Return on assets (ROA) | 0.6843% | 4,089 |
| Pretax return on assets | 0.9873% | 3,553 |
| Return on Equity (ROE) | 4.9280% | 4,701 |
| Retained earnings to average equity (ytd only) | 4.9280% | 2,650 |
| Net charge-offs to loans | -0.0014% | 5,361 |
| Credit loss provision to net charge-offs | -300.0000% | 5,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0074% | 3,372 |
| Assets per employee ($millions) | 7.2392% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 3,127 |
| Loan loss allowance to noncurrent loans | 31.3801% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 3.0961% | 638 |
| Noncurrent loans to loans | 4.3411% | 392 |
| Net loans and leases to total assets | 70.3494% | 2,183 |
| Net loans and leases to deposits | 81.9831% | 2,473 |
| Net loans and leases to core deposits | 97.0661% | 1,629 |
| Total domestic deposits to total assets | 85.8097% | 2,941 |
| Equity capital to assets | 14.1001% | 922 |
| Core capital (leverage) ratio | 14.0185% | 811 |
| Tier 1 risk-based capital ratio | 18.3310% | 2,041 |
| Total risk-based capital ratio | 19.5822% | 2,003 |
| Memoranda: | ||
| Average total assets | $107,266,800 | 4,430 |
| Average earning assets | $94,951,200 | 4,533 |
| Average equity | $14,894,600 | 3,855 |
| Average total loans | $72,666,000 | 4,105 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4239% | 2,147 |
| Cost of funding earning assets | 0.8307% | 591 |
| Net interest margin | 3.5932% | 3,454 |
| Noninterest income to average assets | 0.1558% | 5,978 |
| Noninterest expense to average assets | 2.4425% | 4,690 |
| Loan and lease loss provision to assets | 0.0037% | 4,337 |
| Net operating income to assets | 0.6209% | 4,350 |
| Return on assets (ROA) | 0.6209% | 4,443 |
| Pretax return on assets | 0.8915% | 4,026 |
| Return on Equity (ROE) | 4.4892% | 4,970 |
| Retained earnings to average equity (ytd only) | 4.4892% | 3,459 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1789% | 2,962 |
| Assets per employee ($millions) | 6.6358% | 951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4699% | 2,856 |
| Loan loss allowance to noncurrent loans | 31.2111% | 5,691 |
| Noncurrent assets plus other real estate owned to assets | 3.1807% | 711 |
| Noncurrent loans to loans | 4.7096% | 405 |
| Net loans and leases to total assets | 66.5439% | 2,766 |
| Net loans and leases to deposits | 77.6897% | 2,983 |
| Net loans and leases to core deposits | 91.4174% | 2,079 |
| Total domestic deposits to total assets | 85.6535% | 3,036 |
| Equity capital to assets | 14.1864% | 943 |
| Core capital (leverage) ratio | 13.9575% | 853 |
| Tier 1 risk-based capital ratio | 19.3435% | 1,811 |
| Total risk-based capital ratio | 20.5956% | 1,790 |
| Memoranda: | ||
| Average total assets | $106,936,500 | 4,484 |
| Average earning assets | $94,695,500 | 4,581 |
| Average equity | $14,790,500 | 3,898 |
| Average total loans | $71,471,000 | 4,176 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3748% | 2,275 |
| Cost of funding earning assets | 0.8270% | 620 |
| Net interest margin | 3.5478% | 3,585 |
| Noninterest income to average assets | 0.1455% | 6,092 |
| Noninterest expense to average assets | 2.4480% | 4,745 |
| Loan and lease loss provision to assets | 0.0056% | 4,122 |
| Net operating income to assets | 0.5840% | 4,436 |
| Return on assets (ROA) | 0.5840% | 4,530 |
| Pretax return on assets | 0.8378% | 4,131 |
| Return on Equity (ROE) | 4.2585% | 5,036 |
| Retained earnings to average equity (ytd only) | 4.2585% | 3,463 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3764% | 2,911 |
| Assets per employee ($millions) | 6.7281% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5019% | 2,888 |
| Loan loss allowance to noncurrent loans | 30.8819% | 5,752 |
| Noncurrent assets plus other real estate owned to assets | 3.1705% | 789 |
| Noncurrent loans to loans | 4.8633% | 423 |
| Net loans and leases to total assets | 64.2118% | 3,044 |
| Net loans and leases to deposits | 74.6061% | 3,254 |
| Net loans and leases to core deposits | 87.4268% | 2,372 |
| Total domestic deposits to total assets | 86.0678% | 3,007 |
| Equity capital to assets | 13.8105% | 1,048 |
| Core capital (leverage) ratio | 13.6935% | 922 |
| Tier 1 risk-based capital ratio | 19.5773% | 1,791 |
| Total risk-based capital ratio | 20.8296% | 1,761 |
| Memoranda: | ||
| Average total assets | $107,191,330 | 4,509 |
| Average earning assets | $95,045,000 | 4,611 |
| Average equity | $14,700,000 | 3,912 |
| Average total loans | $71,393,000 | 4,184 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3798% | 2,222 |
| Cost of funding earning assets | 0.8093% | 715 |
| Net interest margin | 3.5704% | 3,388 |
| Noninterest income to average assets | 0.1421% | 6,123 |
| Noninterest expense to average assets | 2.4756% | 4,698 |
| Loan and lease loss provision to assets | 0.0112% | 3,683 |
| Net operating income to assets | 0.5759% | 4,316 |
| Return on assets (ROA) | 0.5759% | 4,386 |
| Pretax return on assets | 0.8227% | 4,014 |
| Return on Equity (ROE) | 4.2144% | 4,923 |
| Retained earnings to average equity (ytd only) | 4.2144% | 3,601 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8023% | 2,998 |
| Assets per employee ($millions) | 6.6249% | 957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4502% | 3,367 |
| Loan loss allowance to noncurrent loans | 30.5242% | 5,844 |
| Noncurrent assets plus other real estate owned to assets | 3.2576% | 827 |
| Noncurrent loans to loans | 4.7509% | 484 |
| Net loans and leases to total assets | 67.5733% | 2,288 |
| Net loans and leases to deposits | 78.5349% | 2,482 |
| Net loans and leases to core deposits | 92.2529% | 1,709 |
| Total domestic deposits to total assets | 86.0423% | 3,344 |
| Equity capital to assets | 13.8662% | 963 |
| Core capital (leverage) ratio | 13.7769% | 898 |
| Tier 1 risk-based capital ratio | 19.4991% | 1,836 |
| Total risk-based capital ratio | 20.7514% | 1,806 |
| Memoranda: | ||
| Average total assets | $106,962,000 | 4,560 |
| Average earning assets | $94,891,000 | 4,660 |
| Average equity | $14,616,500 | 3,927 |
| Average total loans | $72,000,500 | 4,203 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1371% | 3,588 |
| Cost of funding earning assets | 0.9244% | 653 |
| Net interest margin | 3.2126% | 4,966 |
| Noninterest income to average assets | 0.0865% | 6,436 |
| Noninterest expense to average assets | 2.2980% | 5,391 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5023% | 4,728 |
| Return on assets (ROA) | 0.5023% | 4,858 |
| Pretax return on assets | 0.7488% | 4,345 |
| Return on Equity (ROE) | 3.8360% | 5,185 |
| Retained earnings to average equity (ytd only) | 3.8360% | 3,476 |
| Net charge-offs to loans | -0.0043% | 5,909 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4227% | 2,871 |
| Assets per employee ($millions) | 6.7453% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4736% | 3,319 |
| Loan loss allowance to noncurrent loans | 30.0974% | 5,944 |
| Noncurrent assets plus other real estate owned to assets | 3.2356% | 944 |
| Noncurrent loans to loans | 4.8962% | 530 |
| Net loans and leases to total assets | 65.1091% | 2,841 |
| Net loans and leases to deposits | 75.2885% | 3,058 |
| Net loans and leases to core deposits | 86.7519% | 2,376 |
| Total domestic deposits to total assets | 86.4795% | 3,002 |
| Equity capital to assets | 13.4677% | 1,081 |
| Core capital (leverage) ratio | 13.3724% | 998 |
| Tier 1 risk-based capital ratio | 19.8864% | 1,679 |
| Total risk-based capital ratio | 21.1397% | 1,651 |
| Memoranda: | ||
| Average total assets | $108,703,600 | 4,528 |
| Average earning assets | $100,167,800 | 4,512 |
| Average equity | $14,233,600 | 4,020 |
| Average total loans | $69,703,000 | 4,275 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0986% | 3,765 |
| Cost of funding earning assets | 0.9490% | 650 |
| Net interest margin | 3.1496% | 5,151 |
| Noninterest income to average assets | 0.0661% | 6,584 |
| Noninterest expense to average assets | 2.2846% | 5,391 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4702% | 4,931 |
| Return on assets (ROA) | 0.4702% | 5,080 |
| Pretax return on assets | 0.7114% | 4,656 |
| Return on Equity (ROE) | 3.6162% | 5,379 |
| Retained earnings to average equity (ytd only) | 3.6162% | 4,118 |
| Net charge-offs to loans | -0.0039% | 5,745 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2566% | 2,691 |
| Assets per employee ($millions) | 7.4757% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4712% | 3,583 |
| Loan loss allowance to noncurrent loans | 29.7788% | 6,002 |
| Noncurrent assets plus other real estate owned to assets | 3.1444% | 1,154 |
| Noncurrent loans to loans | 4.9406% | 613 |
| Net loans and leases to total assets | 62.7078% | 3,218 |
| Net loans and leases to deposits | 72.0560% | 3,510 |
| Net loans and leases to core deposits | 82.3020% | 2,847 |
| Total domestic deposits to total assets | 87.0265% | 2,677 |
| Equity capital to assets | 12.8112% | 1,416 |
| Core capital (leverage) ratio | 12.9957% | 1,207 |
| Tier 1 risk-based capital ratio | 20.1620% | 1,697 |
| Total risk-based capital ratio | 21.4279% | 1,666 |
| Memoranda: | ||
| Average total assets | $108,898,250 | 4,559 |
| Average earning assets | $101,301,250 | 4,520 |
| Average equity | $14,158,250 | 4,084 |
| Average total loans | $69,298,750 | 4,323 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1089% | 3,706 |
| Cost of funding earning assets | 0.9808% | 596 |
| Net interest margin | 3.1281% | 5,192 |
| Noninterest income to average assets | 0.0649% | 6,623 |
| Noninterest expense to average assets | 2.3150% | 5,319 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4526% | 5,004 |
| Return on assets (ROA) | 0.4526% | 5,174 |
| Pretax return on assets | 0.6845% | 4,733 |
| Return on Equity (ROE) | 3.4637% | 5,442 |
| Retained earnings to average equity (ytd only) | 3.4637% | 4,116 |
| Net charge-offs to loans | -0.0058% | 5,659 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1800% | 2,595 |
| Assets per employee ($millions) | 7.8428% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 3,416 |
| Loan loss allowance to noncurrent loans | 27.5735% | 6,104 |
| Noncurrent assets plus other real estate owned to assets | 3.4682% | 1,114 |
| Noncurrent loans to loans | 5.5730% | 545 |
| Net loans and leases to total assets | 61.2756% | 3,427 |
| Net loans and leases to deposits | 70.4968% | 3,657 |
| Net loans and leases to core deposits | 81.0768% | 2,904 |
| Total domestic deposits to total assets | 86.9197% | 2,867 |
| Equity capital to assets | 12.9491% | 1,363 |
| Core capital (leverage) ratio | 13.1861% | 1,102 |
| Tier 1 risk-based capital ratio | 21.3689% | 1,406 |
| Total risk-based capital ratio | 22.6374% | 1,376 |
| Memoranda: | ||
| Average total assets | $107,819,000 | 4,615 |
| Average earning assets | $101,146,670 | 4,545 |
| Average equity | $14,089,000 | 4,131 |
| Average total loans | $68,609,000 | 4,365 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1356% | 3,573 |
| Cost of funding earning assets | 0.9960% | 628 |
| Net interest margin | 3.1395% | 5,130 |
| Noninterest income to average assets | 0.0637% | 6,688 |
| Noninterest expense to average assets | 2.3402% | 5,305 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4456% | 4,930 |
| Return on assets (ROA) | 0.4456% | 5,092 |
| Pretax return on assets | 0.6740% | 4,686 |
| Return on Equity (ROE) | 3.3941% | 5,393 |
| Retained earnings to average equity (ytd only) | 3.3941% | 4,219 |
| Net charge-offs to loans | -0.0058% | 5,302 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6398% | 2,668 |
| Assets per employee ($millions) | 7.6074% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 3,679 |
| Loan loss allowance to noncurrent loans | 23.1430% | 6,256 |
| Noncurrent assets plus other real estate owned to assets | 4.2599% | 895 |
| Noncurrent loans to loans | 6.6269% | 476 |
| Net loans and leases to total assets | 63.2962% | 2,833 |
| Net loans and leases to deposits | 73.0115% | 3,050 |
| Net loans and leases to core deposits | 84.7301% | 2,240 |
| Total domestic deposits to total assets | 86.6935% | 3,132 |
| Equity capital to assets | 13.2267% | 1,327 |
| Core capital (leverage) ratio | 13.2323% | 1,034 |
| Tier 1 risk-based capital ratio | 21.0156% | 1,529 |
| Total risk-based capital ratio | 22.2837% | 1,501 |
| Memoranda: | ||
| Average total assets | $106,829,000 | 4,689 |
| Average earning assets | $100,397,500 | 4,612 |
| Average equity | $14,024,500 | 4,194 |
| Average total loans | $68,748,500 | 4,386 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4331% | 3,690 |
| Cost of funding earning assets | 1.0960% | 923 |
| Net interest margin | 3.3371% | 5,117 |
| Noninterest income to average assets | 0.0466% | 6,705 |
| Noninterest expense to average assets | 2.2816% | 5,739 |
| Loan and lease loss provision to assets | 0.0388% | 5,385 |
| Net operating income to assets | 0.5456% | 4,499 |
| Return on assets (ROA) | 0.5456% | 4,747 |
| Pretax return on assets | 0.8272% | 4,193 |
| Return on Equity (ROE) | 4.5508% | 4,901 |
| Retained earnings to average equity (ytd only) | 4.5508% | 3,020 |
| Net charge-offs to loans | -0.0072% | 6,423 |
| Credit loss provision to net charge-offs | -800.0000% | 6,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4861% | 3,326 |
| Assets per employee ($millions) | 8.2426% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5181% | 3,668 |
| Loan loss allowance to noncurrent loans | 29.0949% | 6,097 |
| Noncurrent assets plus other real estate owned to assets | 3.3615% | 1,366 |
| Noncurrent loans to loans | 5.2177% | 743 |
| Net loans and leases to total assets | 63.4470% | 2,984 |
| Net loans and leases to deposits | 72.9933% | 3,248 |
| Net loans and leases to core deposits | 84.3122% | 2,511 |
| Total domestic deposits to total assets | 86.9216% | 2,876 |
| Equity capital to assets | 13.0298% | 1,437 |
| Core capital (leverage) ratio | 12.9608% | 1,126 |
| Tier 1 risk-based capital ratio | 20.9467% | 1,475 |
| Total risk-based capital ratio | 22.2144% | 1,441 |
| Memoranda: | ||
| Average total assets | $102,999,800 | 4,759 |
| Average earning assets | $95,711,800 | 4,700 |
| Average equity | $12,349,400 | 4,488 |
| Average total loans | $69,238,000 | 4,379 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5113% | 3,594 |
| Cost of funding earning assets | 1.1123% | 1,015 |
| Net interest margin | 3.3990% | 5,038 |
| Noninterest income to average assets | 0.0602% | 6,767 |
| Noninterest expense to average assets | 2.2596% | 5,794 |
| Loan and lease loss provision to assets | 0.0523% | 5,101 |
| Net operating income to assets | 0.5898% | 4,439 |
| Return on assets (ROA) | 0.5898% | 4,708 |
| Pretax return on assets | 0.8931% | 4,132 |
| Return on Equity (ROE) | 5.0335% | 4,804 |
| Retained earnings to average equity (ytd only) | 5.0335% | 3,341 |
| Net charge-offs to loans | -0.0077% | 6,318 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5018% | 3,593 |
| Assets per employee ($millions) | 8.1755% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5423% | 3,763 |
| Loan loss allowance to noncurrent loans | 28.5987% | 6,178 |
| Noncurrent assets plus other real estate owned to assets | 3.5519% | 1,408 |
| Noncurrent loans to loans | 5.3929% | 805 |
| Net loans and leases to total assets | 62.8874% | 3,224 |
| Net loans and leases to deposits | 72.4280% | 3,547 |
| Net loans and leases to core deposits | 84.9913% | 2,578 |
| Total domestic deposits to total assets | 86.8275% | 2,785 |
| Equity capital to assets | 12.9862% | 1,594 |
| Core capital (leverage) ratio | 13.3062% | 1,072 |
| Tier 1 risk-based capital ratio | 19.5123% | 1,877 |
| Total risk-based capital ratio | 20.7648% | 1,852 |
| Memoranda: | ||
| Average total assets | $101,961,250 | 4,828 |
| Average earning assets | $94,338,750 | 4,786 |
| Average equity | $11,946,250 | 4,624 |
| Average total loans | $69,289,000 | 4,420 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6689% | 3,056 |
| Cost of funding earning assets | 1.1323% | 1,085 |
| Net interest margin | 3.5366% | 4,519 |
| Noninterest income to average assets | 0.0577% | 6,831 |
| Noninterest expense to average assets | 2.2582% | 5,851 |
| Loan and lease loss provision to assets | 0.0796% | 4,611 |
| Net operating income to assets | 0.6566% | 4,079 |
| Return on assets (ROA) | 0.6566% | 4,340 |
| Pretax return on assets | 0.9948% | 3,728 |
| Return on Equity (ROE) | 5.8264% | 4,409 |
| Retained earnings to average equity (ytd only) | 5.8264% | 2,813 |
| Net charge-offs to loans | -0.0086% | 6,253 |
| Credit loss provision to net charge-offs | -1,333.3333% | 6,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7612% | 4,172 |
| Assets per employee ($millions) | 8.5286% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5291% | 3,883 |
| Loan loss allowance to noncurrent loans | 27.7306% | 6,244 |
| Noncurrent assets plus other real estate owned to assets | 3.7970% | 1,364 |
| Noncurrent loans to loans | 5.5141% | 843 |
| Net loans and leases to total assets | 65.8189% | 2,708 |
| Net loans and leases to deposits | 76.1210% | 2,973 |
| Net loans and leases to core deposits | 88.4734% | 2,152 |
| Total domestic deposits to total assets | 86.4661% | 3,093 |
| Equity capital to assets | 13.3610% | 1,361 |
| Core capital (leverage) ratio | 13.5056% | 979 |
| Tier 1 risk-based capital ratio | 19.6156% | 1,812 |
| Total risk-based capital ratio | 20.8693% | 1,779 |
| Memoranda: | ||
| Average total assets | $100,521,000 | 4,889 |
| Average earning assets | $93,084,330 | 4,844 |
| Average equity | $11,327,670 | 4,746 |
| Average total loans | $69,757,000 | 4,425 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7911% | 2,675 |
| Cost of funding earning assets | 1.1480% | 1,186 |
| Net interest margin | 3.6431% | 4,075 |
| Noninterest income to average assets | 0.0522% | 6,921 |
| Noninterest expense to average assets | 2.2769% | 5,832 |
| Loan and lease loss provision to assets | 0.1124% | 3,952 |
| Net operating income to assets | 0.6867% | 3,948 |
| Return on assets (ROA) | 0.6867% | 4,162 |
| Pretax return on assets | 1.0401% | 3,533 |
| Return on Equity (ROE) | 6.7359% | 3,926 |
| Retained earnings to average equity (ytd only) | 6.7359% | 2,558 |
| Net charge-offs to loans | -0.0114% | 5,985 |
| Credit loss provision to net charge-offs | -1,400.0000% | 5,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3934% | 4,485 |
| Assets per employee ($millions) | 8.4379% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4840% | 4,243 |
| Loan loss allowance to noncurrent loans | 56.9774% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 1.9031% | 3,040 |
| Noncurrent loans to loans | 2.6045% | 2,495 |
| Net loans and leases to total assets | 67.7280% | 2,162 |
| Net loans and leases to deposits | 75.4433% | 2,898 |
| Net loans and leases to core deposits | 86.8450% | 2,192 |
| Total domestic deposits to total assets | 89.7733% | 1,208 |
| Equity capital to assets | 10.1170% | 3,970 |
| Core capital (leverage) ratio | 10.4056% | 2,868 |
| Tier 1 risk-based capital ratio | 14.3820% | 4,189 |
| Total risk-based capital ratio | 15.6357% | 4,156 |
| Memoranda: | ||
| Average total assets | $99,610,000 | 4,946 |
| Average earning assets | $92,338,500 | 4,896 |
| Average equity | $10,154,500 | 5,002 |
| Average total loans | $70,432,000 | 4,434 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9320% | 3,194 |
| Cost of funding earning assets | 1.3773% | 1,131 |
| Net interest margin | 3.5547% | 4,910 |
| Noninterest income to average assets | 0.0609% | 6,792 |
| Noninterest expense to average assets | 2.2159% | 6,239 |
| Loan and lease loss provision to assets | 0.1427% | 4,829 |
| Net operating income to assets | 1.3844% | 1,051 |
| Return on assets (ROA) | 1.3844% | 1,145 |
| Pretax return on assets | 0.9971% | 3,256 |
| Return on Equity (ROE) | 14.6447% | 805 |
| Retained earnings to average equity (ytd only) | 14.6447% | 149 |
| Net charge-offs to loans | 0.3582% | 3,611 |
| Credit loss provision to net charge-offs | 56.5217% | 5,257 |
| Earnings coverage of net charge-offs (x) | 4.5138% | 3,085 |
| Efficiency ratio | 66.0321% | 4,767 |
| Assets per employee ($millions) | 8.1638% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 4,419 |
| Loan loss allowance to noncurrent loans | 60.6042% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 1.8057% | 3,248 |
| Noncurrent loans to loans | 2.3227% | 2,834 |
| Net loans and leases to total assets | 71.7093% | 1,695 |
| Net loans and leases to deposits | 80.0041% | 2,518 |
| Net loans and leases to core deposits | 92.8435% | 1,809 |
| Total domestic deposits to total assets | 89.6320% | 1,185 |
| Equity capital to assets | 10.2741% | 3,815 |
| Core capital (leverage) ratio | 10.1897% | 3,095 |
| Tier 1 risk-based capital ratio | 13.8026% | 4,476 |
| Total risk-based capital ratio | 15.0539% | 4,435 |
| Memoranda: | ||
| Average total assets | $100,186,600 | 4,886 |
| Average earning assets | $92,863,200 | 4,837 |
| Average equity | $9,471,000 | 5,163 |
| Average total loans | $70,635,200 | 4,466 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9598% | 3,291 |
| Cost of funding earning assets | 1.4406% | 1,062 |
| Net interest margin | 3.5192% | 5,109 |
| Noninterest income to average assets | 0.0648% | 6,898 |
| Noninterest expense to average assets | 2.1612% | 6,368 |
| Loan and lease loss provision to assets | 0.1244% | 4,872 |
| Net operating income to assets | 1.6451% | 711 |
| Return on assets (ROA) | 1.6451% | 777 |
| Pretax return on assets | 1.0350% | 3,266 |
| Return on Equity (ROE) | 17.7773% | 477 |
| Retained earnings to average equity (ytd only) | 17.7773% | 119 |
| Net charge-offs to loans | 0.4483% | 2,931 |
| Credit loss provision to net charge-offs | 39.6624% | 5,258 |
| Earnings coverage of net charge-offs (x) | 3.6962% | 3,330 |
| Efficiency ratio | 65.0857% | 4,886 |
| Assets per employee ($millions) | 8.9202% | 342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3945% | 4,587 |
| Loan loss allowance to noncurrent loans | 55.7792% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 1.9027% | 3,264 |
| Noncurrent loans to loans | 2.5000% | 2,771 |
| Net loans and leases to total assets | 69.9018% | 2,102 |
| Net loans and leases to deposits | 77.8730% | 3,021 |
| Net loans and leases to core deposits | 86.7501% | 2,680 |
| Total domestic deposits to total assets | 89.7638% | 1,005 |
| Equity capital to assets | 10.0956% | 4,211 |
| Core capital (leverage) ratio | 9.6739% | 3,885 |
| Tier 1 risk-based capital ratio | 13.9656% | 4,379 |
| Total risk-based capital ratio | 15.1565% | 4,377 |
| Memoranda: | ||
| Average total assets | $100,742,000 | 4,906 |
| Average earning assets | $93,200,000 | 4,868 |
| Average equity | $9,322,500 | 5,229 |
| Average total loans | $70,480,750 | 4,508 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9782% | 3,264 |
| Cost of funding earning assets | 1.5067% | 987 |
| Net interest margin | 3.4715% | 5,285 |
| Noninterest income to average assets | 0.0650% | 6,978 |
| Noninterest expense to average assets | 2.0430% | 6,706 |
| Loan and lease loss provision to assets | 0.1850% | 4,067 |
| Net operating income to assets | 2.1198% | 289 |
| Return on assets (ROA) | 2.1198% | 297 |
| Pretax return on assets | 1.0431% | 3,067 |
| Return on Equity (ROE) | 23.5977% | 175 |
| Retained earnings to average equity (ytd only) | 23.5977% | 62 |
| Net charge-offs to loans | -0.0876% | 7,136 |
| Credit loss provision to net charge-offs | -303.2258% | 6,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4549% | 5,510 |
| Assets per employee ($millions) | 9.1585% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7265% | 3,240 |
| Loan loss allowance to noncurrent loans | 437.4558% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.4080% | 6,132 |
| Noncurrent loans to loans | 0.3947% | 6,113 |
| Net loans and leases to total assets | 69.9463% | 2,230 |
| Net loans and leases to deposits | 77.6220% | 3,194 |
| Net loans and leases to core deposits | 90.0535% | 2,369 |
| Total domestic deposits to total assets | 90.1115% | 915 |
| Equity capital to assets | 9.6602% | 4,587 |
| Core capital (leverage) ratio | 9.1681% | 4,462 |
| Tier 1 risk-based capital ratio | 13.1449% | 4,807 |
| Total risk-based capital ratio | 14.4135% | 4,773 |
| Memoranda: | ||
| Average total assets | $101,615,330 | 4,913 |
| Average earning assets | $93,849,330 | 4,889 |
| Average equity | $9,128,000 | 5,288 |
| Average total loans | $70,788,000 | 4,546 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8476% | 3,829 |
| Cost of funding earning assets | 1.5678% | 923 |
| Net interest margin | 3.2797% | 5,844 |
| Noninterest income to average assets | 0.0627% | 7,082 |
| Noninterest expense to average assets | 1.7873% | 7,157 |
| Loan and lease loss provision to assets | 0.2509% | 3,148 |
| Net operating income to assets | 1.0583% | 1,981 |
| Return on assets (ROA) | 1.0583% | 2,032 |
| Pretax return on assets | 1.0583% | 2,908 |
| Return on Equity (ROE) | 12.2366% | 1,397 |
| Retained earnings to average equity (ytd only) | 12.2366% | 702 |
| Net charge-offs to loans | -0.0057% | 6,264 |
| Credit loss provision to net charge-offs | -6,400.0000% | 6,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7215% | 6,298 |
| Assets per employee ($millions) | 9.4415% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6806% | 3,409 |
| Loan loss allowance to noncurrent loans | 718.2927% | 491 |
| Noncurrent assets plus other real estate owned to assets | 1.1477% | 4,642 |
| Noncurrent loans to loans | 0.2340% | 6,516 |
| Net loans and leases to total assets | 66.3576% | 2,914 |
| Net loans and leases to deposits | 72.6773% | 3,964 |
| Net loans and leases to core deposits | 83.9284% | 3,169 |
| Total domestic deposits to total assets | 91.3044% | 483 |
| Equity capital to assets | 8.5849% | 5,791 |
| Core capital (leverage) ratio | 8.7848% | 4,952 |
| Tier 1 risk-based capital ratio | 12.3066% | 5,431 |
| Total risk-based capital ratio | 13.5530% | 5,425 |
| Memoranda: | ||
| Average total assets | $102,051,500 | 4,945 |
| Average earning assets | $94,397,500 | 4,905 |
| Average equity | $8,826,000 | 5,381 |
| Average total loans | $70,330,000 | 4,610 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3669% | 2,824 |
| Cost of funding earning assets | 2.1182% | 399 |
| Net interest margin | 3.2487% | 6,137 |
| Noninterest income to average assets | 0.0872% | 6,959 |
| Noninterest expense to average assets | 2.2443% | 6,497 |
| Loan and lease loss provision to assets | 0.3785% | 3,848 |
| Net operating income to assets | 0.4739% | 4,213 |
| Return on assets (ROA) | 0.4739% | 4,376 |
| Pretax return on assets | 0.4739% | 4,712 |
| Return on Equity (ROE) | 5.4349% | 3,878 |
| Retained earnings to average equity (ytd only) | 5.4349% | 2,159 |
| Net charge-offs to loans | 0.1566% | 5,410 |
| Credit loss provision to net charge-offs | 320.8696% | 807 |
| Earnings coverage of net charge-offs (x) | 7.2261% | 2,172 |
| Efficiency ratio | 72.4743% | 3,709 |
| Assets per employee ($millions) | 8.3538% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5773% | 3,670 |
| Loan loss allowance to noncurrent loans | 184.2715% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 1.6280% | 3,868 |
| Noncurrent loans to loans | 0.8559% | 5,354 |
| Net loans and leases to total assets | 69.2816% | 2,710 |
| Net loans and leases to deposits | 75.9511% | 3,848 |
| Net loans and leases to core deposits | 90.4217% | 2,706 |
| Total domestic deposits to total assets | 91.2186% | 497 |
| Equity capital to assets | 8.7146% | 5,562 |
| Core capital (leverage) ratio | 8.7091% | 5,004 |
| Tier 1 risk-based capital ratio | 12.0945% | 5,391 |
| Total risk-based capital ratio | 13.3419% | 5,375 |
| Memoranda: | ||
| Average total assets | $97,491,800 | 5,062 |
| Average earning assets | $90,313,000 | 5,008 |
| Average equity | $8,500,600 | 5,545 |
| Average total loans | $73,437,200 | 4,553 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4182% | 2,804 |
| Cost of funding earning assets | 2.2301% | 352 |
| Net interest margin | 3.1881% | 6,381 |
| Noninterest income to average assets | 0.0923% | 7,083 |
| Noninterest expense to average assets | 2.2409% | 6,492 |
| Loan and lease loss provision to assets | 0.3430% | 3,866 |
| Net operating income to assets | 0.4600% | 4,491 |
| Return on assets (ROA) | 0.4600% | 4,671 |
| Pretax return on assets | 0.4600% | 5,045 |
| Return on Equity (ROE) | 5.2752% | 4,157 |
| Retained earnings to average equity (ytd only) | 5.2752% | 2,792 |
| Net charge-offs to loans | 0.0306% | 6,254 |
| Credit loss provision to net charge-offs | 1,464.7059% | 210 |
| Earnings coverage of net charge-offs (x) | 34.2880% | 782 |
| Efficiency ratio | 73.6199% | 3,396 |
| Assets per employee ($millions) | 8.1828% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4722% | 4,093 |
| Loan loss allowance to noncurrent loans | 56.3307% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 2.1010% | 3,333 |
| Noncurrent loans to loans | 2.6134% | 3,010 |
| Net loans and leases to total assets | 74.2935% | 1,740 |
| Net loans and leases to deposits | 81.5979% | 3,172 |
| Net loans and leases to core deposits | 103.7370% | 1,509 |
| Total domestic deposits to total assets | 91.0482% | 435 |
| Equity capital to assets | 8.7572% | 5,919 |
| Core capital (leverage) ratio | 8.7309% | 5,134 |
| Tier 1 risk-based capital ratio | 11.6162% | 5,816 |
| Total risk-based capital ratio | 12.8685% | 5,800 |
| Memoranda: | ||
| Average total assets | $96,803,250 | 5,142 |
| Average earning assets | $89,621,750 | 5,084 |
| Average equity | $8,441,750 | 5,642 |
| Average total loans | $74,155,250 | 4,597 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5007% | 2,507 |
| Cost of funding earning assets | 2.3350% | 301 |
| Net interest margin | 3.1656% | 6,420 |
| Noninterest income to average assets | 0.0996% | 7,097 |
| Noninterest expense to average assets | 2.2898% | 6,382 |
| Loan and lease loss provision to assets | 0.1059% | 5,856 |
| Net operating income to assets | 0.6394% | 3,684 |
| Return on assets (ROA) | 0.6394% | 3,827 |
| Pretax return on assets | 0.6394% | 4,436 |
| Return on Equity (ROE) | 7.3427% | 3,170 |
| Retained earnings to average equity (ytd only) | 7.3427% | 1,696 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4446% | 3,172 |
| Assets per employee ($millions) | 8.0704% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 5,353 |
| Loan loss allowance to noncurrent loans | 84.7158% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 1.1080% | 4,922 |
| Noncurrent loans to loans | 1.4399% | 4,553 |
| Net loans and leases to total assets | 76.0060% | 1,493 |
| Net loans and leases to deposits | 83.5041% | 2,972 |
| Net loans and leases to core deposits | 109.4185% | 1,204 |
| Total domestic deposits to total assets | 91.0207% | 475 |
| Equity capital to assets | 8.8430% | 5,679 |
| Core capital (leverage) ratio | 8.7475% | 5,012 |
| Tier 1 risk-based capital ratio | 11.5117% | 5,762 |
| Total risk-based capital ratio | 12.7336% | 5,757 |
| Memoranda: | ||
| Average total assets | $96,340,000 | 5,185 |
| Average earning assets | $89,334,330 | 5,123 |
| Average equity | $8,389,330 | 5,668 |
| Average total loans | $74,193,330 | 4,633 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5066% | 2,552 |
| Cost of funding earning assets | 2.3677% | 338 |
| Net interest margin | 3.1389% | 6,489 |
| Noninterest income to average assets | 0.1124% | 7,129 |
| Noninterest expense to average assets | 2.3062% | 6,356 |
| Loan and lease loss provision to assets | 0.1415% | 5,134 |
| Net operating income to assets | 0.5786% | 3,993 |
| Return on assets (ROA) | 0.5786% | 4,134 |
| Pretax return on assets | 0.5786% | 4,689 |
| Return on Equity (ROE) | 6.6972% | 3,515 |
| Retained earnings to average equity (ytd only) | 6.6972% | 2,274 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2036% | 3,180 |
| Assets per employee ($millions) | 8.1548% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1819% | 5,589 |
| Loan loss allowance to noncurrent loans | 83.3178% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 1.0965% | 4,955 |
| Noncurrent loans to loans | 1.4185% | 4,608 |
| Net loans and leases to total assets | 76.3831% | 1,462 |
| Net loans and leases to deposits | 83.6461% | 3,000 |
| Net loans and leases to core deposits | 117.3901% | 891 |
| Total domestic deposits to total assets | 91.3170% | 436 |
| Equity capital to assets | 8.5634% | 5,922 |
| Core capital (leverage) ratio | 8.7922% | 4,868 |
| Tier 1 risk-based capital ratio | 11.1023% | 6,056 |
| Total risk-based capital ratio | 12.2867% | 6,092 |
| Memoranda: | ||
| Average total assets | $96,087,500 | 5,254 |
| Average earning assets | $89,202,000 | 5,189 |
| Average equity | $8,302,000 | 5,737 |
| Average total loans | $74,031,500 | 4,713 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7471% | 2,877 |
| Cost of funding earning assets | 2.9785% | 251 |
| Net interest margin | 2.7686% | 7,110 |
| Noninterest income to average assets | 0.1245% | 7,129 |
| Noninterest expense to average assets | 2.4829% | 6,195 |
| Loan and lease loss provision to assets | 0.4029% | 4,399 |
| Net operating income to assets | -0.1738% | 5,808 |
| Return on assets (ROA) | -0.1738% | 5,804 |
| Pretax return on assets | -0.1738% | 5,674 |
| Return on Equity (ROE) | -1.7934% | 5,821 |
| Retained earnings to average equity (ytd only) | -1.7934% | 5,461 |
| Net charge-offs to loans | 0.0517% | 6,581 |
| Credit loss provision to net charge-offs | 1,008.8235% | 290 |
| Earnings coverage of net charge-offs (x) | 5.7353% | 2,511 |
| Efficiency ratio | 91.5548% | 1,599 |
| Assets per employee ($millions) | 7.2552% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 5,439 |
| Loan loss allowance to noncurrent loans | 671.0938% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.5863% | 5,991 |
| Noncurrent loans to loans | 0.1767% | 6,979 |
| Net loans and leases to total assets | 75.8750% | 1,833 |
| Net loans and leases to deposits | 83.1838% | 3,423 |
| Net loans and leases to core deposits | 134.1714% | 1,043 |
| Total domestic deposits to total assets | 91.2137% | 462 |
| Equity capital to assets | 8.7195% | 5,560 |
| Core capital (leverage) ratio | 8.6447% | 5,023 |
| Tier 1 risk-based capital ratio | 11.3352% | 5,580 |
| Total risk-based capital ratio | 12.5191% | 5,596 |
| Memoranda: | ||
| Average total assets | $85,142,800 | 5,555 |
| Average earning assets | $79,570,600 | 5,473 |
| Average equity | $8,252,600 | 5,850 |
| Average total loans | $65,717,600 | 5,033 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7685% | 3,028 |
| Cost of funding earning assets | 3.0823% | 256 |
| Net interest margin | 2.6862% | 7,236 |
| Noninterest income to average assets | 0.1223% | 7,278 |
| Noninterest expense to average assets | 2.5524% | 5,889 |
| Loan and lease loss provision to assets | 0.2317% | 5,120 |
| Net operating income to assets | -0.1513% | 5,988 |
| Return on assets (ROA) | -0.1513% | 6,001 |
| Pretax return on assets | -0.1513% | 5,911 |
| Return on Equity (ROE) | -1.5174% | 6,022 |
| Retained earnings to average equity (ytd only) | -1.5174% | 5,617 |
| Net charge-offs to loans | 0.0042% | 6,922 |
| Credit loss provision to net charge-offs | 7,200.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 24.9700% | 1,069 |
| Efficiency ratio | 96.9438% | 1,213 |
| Assets per employee ($millions) | 6.7976% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 6,278 |
| Loan loss allowance to noncurrent loans | 175.1899% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.4151% | 6,416 |
| Noncurrent loans to loans | 0.5714% | 6,177 |
| Net loans and leases to total assets | 71.9073% | 3,058 |
| Net loans and leases to deposits | 79.0792% | 4,547 |
| Net loans and leases to core deposits | 130.6428% | 1,396 |
| Total domestic deposits to total assets | 90.9307% | 442 |
| Equity capital to assets | 8.6816% | 5,984 |
| Core capital (leverage) ratio | 8.6895% | 5,148 |
| Tier 1 risk-based capital ratio | 11.4230% | 5,503 |
| Total risk-based capital ratio | 12.3811% | 5,778 |
| Memoranda: | ||
| Average total assets | $82,849,250 | 5,663 |
| Average earning assets | $77,430,750 | 5,577 |
| Average equity | $8,259,750 | 5,899 |
| Average total loans | $64,041,500 | 5,135 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8251% | 2,932 |
| Cost of funding earning assets | 3.1941% | 268 |
| Net interest margin | 2.6309% | 7,321 |
| Noninterest income to average assets | 0.1016% | 7,470 |
| Noninterest expense to average assets | 2.6542% | 5,543 |
| Loan and lease loss provision to assets | 0.3607% | 3,762 |
| Net operating income to assets | -0.4572% | 6,502 |
| Return on assets (ROA) | -0.4572% | 6,508 |
| Pretax return on assets | -0.4572% | 6,377 |
| Return on Equity (ROE) | -4.3589% | 6,529 |
| Retained earnings to average equity (ytd only) | -4.3589% | 6,197 |
| Net charge-offs to loans | 0.0064% | 6,511 |
| Credit loss provision to net charge-offs | 7,100.0000% | 69 |
| Earnings coverage of net charge-offs (x) | -19.0000% | 6,562 |
| Efficiency ratio | 103.7736% | 1,040 |
| Assets per employee ($millions) | 6.9852% | 778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 6,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 75.2114% | 2,391 |
| Net loans and leases to deposits | 83.0755% | 4,031 |
| Net loans and leases to core deposits | 143.7247% | 848 |
| Total domestic deposits to total assets | 90.5339% | 615 |
| Equity capital to assets | 8.9860% | 5,338 |
| Core capital (leverage) ratio | 9.6586% | 3,688 |
| Tier 1 risk-based capital ratio | 11.4134% | 5,478 |
| Total risk-based capital ratio | 12.3785% | 5,658 |
| Memoranda: | ||
| Average total assets | $78,743,330 | 5,844 |
| Average earning assets | $73,509,670 | 5,771 |
| Average equity | $8,259,000 | 5,934 |
| Average total loans | $62,347,330 | 5,244 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8444% | 3,059 |
| Cost of funding earning assets | 3.2816% | 280 |
| Net interest margin | 2.5628% | 7,422 |
| Noninterest income to average assets | 0.0825% | 7,641 |
| Noninterest expense to average assets | 2.6681% | 5,156 |
| Loan and lease loss provision to assets | 0.4731% | 2,583 |
| Net operating income to assets | -0.6656% | 7,020 |
| Return on assets (ROA) | -0.6656% | 7,059 |
| Pretax return on assets | -0.6656% | 6,945 |
| Return on Equity (ROE) | -5.8254% | 7,046 |
| Retained earnings to average equity (ytd only) | -5.8254% | 6,659 |
| Net charge-offs to loans | 0.0136% | 5,409 |
| Credit loss provision to net charge-offs | 4,300.0000% | 167 |
| Earnings coverage of net charge-offs (x) | -17.5000% | 5,654 |
| Efficiency ratio | 107.7778% | 868 |
| Assets per employee ($millions) | 6.5917% | 923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 6,175 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 79.2933% | 1,524 |
| Net loans and leases to deposits | 88.9016% | 3,124 |
| Net loans and leases to core deposits | 174.4770% | 291 |
| Total domestic deposits to total assets | 89.1922% | 1,146 |
| Equity capital to assets | 10.3704% | 3,592 |
| Core capital (leverage) ratio | 11.1030% | 2,426 |
| Tier 1 risk-based capital ratio | 11.5842% | 5,331 |
| Total risk-based capital ratio | 12.4795% | 5,581 |
| Memoranda: | ||
| Average total assets | $72,711,000 | 6,040 |
| Average earning assets | $67,893,500 | 5,979 |
| Average equity | $8,308,500 | 5,952 |
| Average total loans | $59,027,000 | 5,402 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2393% | 4,303 |
| Cost of funding earning assets | 3.0521% | 1,676 |
| Net interest margin | 3.1872% | 6,401 |
| Noninterest income to average assets | 0.1732% | 7,188 |
| Noninterest expense to average assets | 4.4488% | 910 |
| Loan and lease loss provision to assets | 1.2408% | 1,157 |
| Net operating income to assets | -2.6496% | 7,746 |
| Return on assets (ROA) | -2.6496% | 7,717 |
| Pretax return on assets | -2.6496% | 7,628 |
| Return on Equity (ROE) | -11.5804% | 7,395 |
| Retained earnings to average equity (ytd only) | -11.5804% | 7,213 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.3435% | 366 |
| Assets per employee ($millions) | 5.5268% | 1,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 5,989 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 81.6456% | 1,296 |
| Net loans and leases to deposits | 93.8523% | 2,794 |
| Net loans and leases to core deposits | 243.4538% | 78 |
| Total domestic deposits to total assets | 86.9938% | 1,939 |
| Equity capital to assets | 12.6866% | 1,927 |
| Core capital (leverage) ratio | 13.9107% | 1,276 |
| Tier 1 risk-based capital ratio | 14.5257% | 3,282 |
| Total risk-based capital ratio | 15.4717% | 3,357 |
| Memoranda: | ||
| Average total assets | $38,684,600 | 7,272 |
| Average earning assets | $34,795,600 | 7,295 |
| Average equity | $8,851,200 | 5,787 |
| Average total loans | $30,629,800 | 6,670 |