Home > Sandhills Bank > Performance and Condition Ratios
Sandhills Bank, Performance and Condition Ratios
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6717% | 1,615 |
| Cost of funding earning assets | 0.1664% | 3,364 |
| Net interest margin | 3.5054% | 1,300 |
| Noninterest income to average assets | 0.5495% | 1,953 |
| Noninterest expense to average assets | 3.8327% | 313 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.0705% | 4,607 |
| Return on assets (ROA) | -2.9420% | 4,743 |
| Pretax return on assets | -3.7131% | 4,747 |
| Return on Equity (ROE) | -36.1730% | 4,760 |
| Retained earnings to average equity (ytd only) | -41.5784% | 4,756 |
| Net charge-offs to loans | 0.0123% | 1,543 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | -9.8889% | 2,132 |
| Efficiency ratio | 101.6628% | 174 |
| Assets per employee ($millions) | 6.7833% | 2,086 |
| Cash dividends to net income (ytd only)* | -14.9432% | 4,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 3,571 |
| Loan loss allowance to noncurrent loans | 246.4716% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.4479% | 1,263 |
| Noncurrent loans to loans | 0.4079% | 1,903 |
| Net loans and leases to total assets | 61.1325% | 2,209 |
| Net loans and leases to deposits | 66.0098% | 2,545 |
| Net loans and leases to core deposits | 68.2085% | 2,636 |
| Total domestic deposits to total assets | 92.6112% | 617 |
| Equity capital to assets | 7.2891% | 3,606 |
| Core capital (leverage) ratio | 6.4257% | 4,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0425% | 2,807 |
| Memoranda: | ||
| Average total assets | $227,463,667 | 2,902 |
| Average earning assets | $207,967,000 | 2,930 |
| Average equity | $18,500,000 | 3,188 |
| Average total loans | $146,189,000 | 2,683 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5022% | 1,802 |
| Cost of funding earning assets | 0.1703% | 3,217 |
| Net interest margin | 3.3319% | 1,492 |
| Noninterest income to average assets | 0.7207% | 1,252 |
| Noninterest expense to average assets | 2.4739% | 1,948 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0058% | 1,861 |
| Return on assets (ROA) | 1.0058% | 1,851 |
| Pretax return on assets | 1.2963% | 1,519 |
| Return on Equity (ROE) | 11.7449% | 1,392 |
| Retained earnings to average equity (ytd only) | 1.4061% | 3,721 |
| Net charge-offs to loans | 0.0081% | 1,453 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 244.0000% | 374 |
| Efficiency ratio | 65.1949% | 2,881 |
| Assets per employee ($millions) | 6.5436% | 2,347 |
| Cash dividends to net income (ytd only)* | 88.0282% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9866% | 3,778 |
| Loan loss allowance to noncurrent loans | 4,357.5758% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.2118% | 2,370 |
| Noncurrent loans to loans | 0.0226% | 3,830 |
| Net loans and leases to total assets | 63.0110% | 1,740 |
| Net loans and leases to deposits | 68.7248% | 2,079 |
| Net loans and leases to core deposits | 71.0475% | 2,207 |
| Total domestic deposits to total assets | 91.6861% | 703 |
| Equity capital to assets | 8.1201% | 3,475 |
| Core capital (leverage) ratio | 8.7793% | 3,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8528% | 1,545 |
| Memoranda: | ||
| Average total assets | $225,879,500 | 2,924 |
| Average earning assets | $206,728,000 | 2,954 |
| Average equity | $19,344,500 | 3,205 |
| Average total loans | $148,072,000 | 2,655 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7317% | 2,028 |
| Cost of funding earning assets | 0.3117% | 2,279 |
| Net interest margin | 3.4200% | 1,964 |
| Noninterest income to average assets | 0.3721% | 3,200 |
| Noninterest expense to average assets | 2.4681% | 2,285 |
| Loan and lease loss provision to assets | 0.0336% | 2,382 |
| Net operating income to assets | 0.7473% | 3,499 |
| Return on assets (ROA) | 0.7473% | 3,563 |
| Pretax return on assets | 0.9806% | 3,314 |
| Return on Equity (ROE) | 8.5683% | 3,060 |
| Retained earnings to average equity (ytd only) | 6.5148% | 2,118 |
| Net charge-offs to loans | 0.0094% | 2,220 |
| Credit loss provision to net charge-offs | 535.7143% | 771 |
| Earnings coverage of net charge-offs (x) | 161.7857% | 624 |
| Efficiency ratio | 70.3999% | 1,696 |
| Assets per employee ($millions) | 6.0198% | 2,754 |
| Cash dividends to net income (ytd only)* | 23.9664% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9581% | 3,908 |
| Loan loss allowance to noncurrent loans | 716.9154% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.2932% | 2,075 |
| Noncurrent loans to loans | 0.1336% | 3,262 |
| Net loans and leases to total assets | 66.8753% | 1,388 |
| Net loans and leases to deposits | 73.6219% | 1,756 |
| Net loans and leases to core deposits | 76.2057% | 1,901 |
| Total domestic deposits to total assets | 90.8362% | 560 |
| Equity capital to assets | 9.0206% | 3,599 |
| Core capital (leverage) ratio | 8.4086% | 4,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8483% | 1,570 |
| Memoranda: | ||
| Average total assets | $223,328,600 | 2,883 |
| Average earning assets | $203,100,000 | 2,929 |
| Average equity | $19,478,800 | 3,254 |
| Average total loans | $148,336,800 | 2,647 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7770% | 2,069 |
| Cost of funding earning assets | 0.3509% | 2,110 |
| Net interest margin | 3.4261% | 2,083 |
| Noninterest income to average assets | 0.3741% | 3,239 |
| Noninterest expense to average assets | 2.4414% | 2,302 |
| Loan and lease loss provision to assets | 0.0447% | 2,101 |
| Net operating income to assets | 0.7726% | 3,592 |
| Return on assets (ROA) | 0.7726% | 3,656 |
| Pretax return on assets | 0.9987% | 3,459 |
| Return on Equity (ROE) | 8.9344% | 3,125 |
| Retained earnings to average equity (ytd only) | 6.1748% | 2,752 |
| Net charge-offs to loans | 0.0460% | 1,205 |
| Credit loss provision to net charge-offs | 147.0588% | 1,367 |
| Earnings coverage of net charge-offs (x) | 34.2941% | 1,455 |
| Efficiency ratio | 69.5942% | 1,643 |
| Assets per employee ($millions) | 6.2023% | 2,498 |
| Cash dividends to net income (ytd only)* | 30.8880% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 3,848 |
| Loan loss allowance to noncurrent loans | 280.8000% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.4039% | 1,836 |
| Noncurrent loans to loans | 0.3560% | 2,501 |
| Net loans and leases to total assets | 59.0026% | 2,370 |
| Net loans and leases to deposits | 64.5992% | 2,780 |
| Net loans and leases to core deposits | 67.0078% | 2,858 |
| Total domestic deposits to total assets | 91.3364% | 280 |
| Equity capital to assets | 8.3903% | 4,282 |
| Core capital (leverage) ratio | 8.2485% | 4,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3332% | 1,534 |
| Memoranda: | ||
| Average total assets | $223,477,250 | 2,917 |
| Average earning assets | $202,905,500 | 2,962 |
| Average equity | $19,325,500 | 3,309 |
| Average total loans | $147,822,250 | 2,693 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8940% | 1,831 |
| Cost of funding earning assets | 0.4146% | 1,764 |
| Net interest margin | 3.4794% | 1,920 |
| Noninterest income to average assets | 0.3974% | 3,117 |
| Noninterest expense to average assets | 2.4320% | 2,364 |
| Loan and lease loss provision to assets | 0.0684% | 1,683 |
| Net operating income to assets | 0.8085% | 3,483 |
| Return on assets (ROA) | 0.8085% | 3,557 |
| Pretax return on assets | 1.0410% | 3,354 |
| Return on Equity (ROE) | 9.2513% | 3,027 |
| Retained earnings to average equity (ytd only) | 5.0794% | 3,156 |
| Net charge-offs to loans | 0.0652% | 969 |
| Credit loss provision to net charge-offs | 153.0612% | 1,156 |
| Earnings coverage of net charge-offs (x) | 24.8367% | 1,425 |
| Efficiency ratio | 68.2111% | 1,858 |
| Assets per employee ($millions) | 6.0695% | 2,542 |
| Cash dividends to net income (ytd only)* | 45.0958% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9598% | 3,967 |
| Loan loss allowance to noncurrent loans | 293.5282% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.4037% | 1,993 |
| Noncurrent loans to loans | 0.3270% | 2,743 |
| Net loans and leases to total assets | 62.9060% | 2,072 |
| Net loans and leases to deposits | 71.1937% | 2,280 |
| Net loans and leases to core deposits | 74.4166% | 2,370 |
| Total domestic deposits to total assets | 88.3590% | 1,642 |
| Equity capital to assets | 8.3775% | 4,299 |
| Core capital (leverage) ratio | 8.1887% | 4,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,407,000 | 2,945 |
| Average earning assets | $198,251,667 | 2,996 |
| Average equity | $19,175,667 | 3,321 |
| Average total loans | $150,274,333 | 2,685 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0221% | 1,564 |
| Cost of funding earning assets | 0.4622% | 1,639 |
| Net interest margin | 3.5599% | 1,678 |
| Noninterest income to average assets | 0.3948% | 3,114 |
| Noninterest expense to average assets | 2.4267% | 2,414 |
| Loan and lease loss provision to assets | 0.1403% | 953 |
| Net operating income to assets | 0.7952% | 3,437 |
| Return on assets (ROA) | 0.7952% | 3,506 |
| Pretax return on assets | 1.0272% | 3,298 |
| Return on Equity (ROE) | 8.8994% | 3,063 |
| Retained earnings to average equity (ytd only) | 0.5235% | 4,297 |
| Net charge-offs to loans | 0.1209% | 595 |
| Credit loss provision to net charge-offs | 163.0435% | 956 |
| Earnings coverage of net charge-offs (x) | 13.5652% | 1,399 |
| Efficiency ratio | 67.0484% | 2,069 |
| Assets per employee ($millions) | 6.4149% | 2,243 |
| Cash dividends to net income (ytd only)* | 94.1176% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9143% | 4,115 |
| Loan loss allowance to noncurrent loans | 280.1193% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.4379% | 2,083 |
| Noncurrent loans to loans | 0.3264% | 2,931 |
| Net loans and leases to total assets | 70.0130% | 1,288 |
| Net loans and leases to deposits | 79.6258% | 1,558 |
| Net loans and leases to core deposits | 84.8615% | 1,599 |
| Total domestic deposits to total assets | 87.9275% | 1,885 |
| Equity capital to assets | 8.6173% | 4,032 |
| Core capital (leverage) ratio | 8.3964% | 4,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,790,000 | 2,979 |
| Average earning assets | $192,139,500 | 3,038 |
| Average equity | $19,102,500 | 3,319 |
| Average total loans | $152,165,000 | 2,667 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2884% | 1,903 |
| Cost of funding earning assets | 0.8595% | 989 |
| Net interest margin | 3.4289% | 2,677 |
| Noninterest income to average assets | 0.3578% | 3,326 |
| Noninterest expense to average assets | 2.7856% | 1,982 |
| Loan and lease loss provision to assets | 0.0508% | 3,743 |
| Net operating income to assets | 0.4391% | 4,165 |
| Return on assets (ROA) | 0.4448% | 4,230 |
| Pretax return on assets | 0.5841% | 4,108 |
| Return on Equity (ROE) | 4.7297% | 3,971 |
| Retained earnings to average equity (ytd only) | 0.1799% | 4,466 |
| Net charge-offs to loans | 0.0066% | 3,106 |
| Credit loss provision to net charge-offs | 1,050.0000% | 757 |
| Earnings coverage of net charge-offs (x) | 129.8000% | 648 |
| Efficiency ratio | 81.0596% | 809 |
| Assets per employee ($millions) | 5.6614% | 2,673 |
| Cash dividends to net income (ytd only)* | 96.1957% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9187% | 4,138 |
| Loan loss allowance to noncurrent loans | 178.0645% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.5858% | 1,800 |
| Noncurrent loans to loans | 0.5159% | 2,424 |
| Net loans and leases to total assets | 71.0534% | 1,418 |
| Net loans and leases to deposits | 82.2013% | 1,646 |
| Net loans and leases to core deposits | 88.6219% | 1,630 |
| Total domestic deposits to total assets | 86.4383% | 2,174 |
| Equity capital to assets | 9.2662% | 3,828 |
| Core capital (leverage) ratio | 8.4180% | 4,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,814,200 | 2,889 |
| Average earning assets | $184,287,400 | 2,955 |
| Average equity | $19,451,600 | 3,235 |
| Average total loans | $150,846,200 | 2,655 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3416% | 1,990 |
| Cost of funding earning assets | 0.9566% | 892 |
| Net interest margin | 3.3850% | 2,964 |
| Noninterest income to average assets | 0.3467% | 3,391 |
| Noninterest expense to average assets | 2.8005% | 1,963 |
| Loan and lease loss provision to assets | 0.0388% | 3,862 |
| Net operating income to assets | 0.4017% | 4,262 |
| Return on assets (ROA) | 0.4094% | 4,311 |
| Pretax return on assets | 0.5291% | 4,227 |
| Return on Equity (ROE) | 4.3365% | 4,085 |
| Retained earnings to average equity (ytd only) | 1.0139% | 4,256 |
| Net charge-offs to loans | 0.0044% | 2,995 |
| Credit loss provision to net charge-offs | 1,200.0000% | 733 |
| Earnings coverage of net charge-offs (x) | 172.6000% | 542 |
| Efficiency ratio | 82.8038% | 688 |
| Assets per employee ($millions) | 5.6364% | 2,589 |
| Cash dividends to net income (ytd only)* | 76.6193% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8672% | 4,169 |
| Loan loss allowance to noncurrent loans | 227.5042% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.2750% | 3,068 |
| Noncurrent loans to loans | 0.3812% | 2,918 |
| Net loans and leases to total assets | 71.5153% | 1,738 |
| Net loans and leases to deposits | 83.4505% | 1,966 |
| Net loans and leases to core deposits | 90.2707% | 1,950 |
| Total domestic deposits to total assets | 85.6979% | 2,179 |
| Equity capital to assets | 9.1253% | 4,022 |
| Core capital (leverage) ratio | 8.3337% | 4,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,149,750 | 2,872 |
| Average earning assets | $183,429,750 | 2,947 |
| Average equity | $19,462,000 | 3,239 |
| Average total loans | $151,003,500 | 2,659 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4614% | 2,029 |
| Cost of funding earning assets | 1.1156% | 678 |
| Net interest margin | 3.3458% | 3,254 |
| Noninterest income to average assets | 0.3470% | 3,396 |
| Noninterest expense to average assets | 2.8741% | 1,902 |
| Loan and lease loss provision to assets | 0.0147% | 4,044 |
| Net operating income to assets | 0.3314% | 4,363 |
| Return on assets (ROA) | 0.3430% | 4,403 |
| Pretax return on assets | 0.4413% | 4,347 |
| Return on Equity (ROE) | 3.5916% | 4,222 |
| Retained earnings to average equity (ytd only) | 1.8421% | 3,812 |
| Net charge-offs to loans | 0.0067% | 2,725 |
| Credit loss provision to net charge-offs | 300.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 89.8000% | 751 |
| Efficiency ratio | 86.0658% | 532 |
| Assets per employee ($millions) | 5.6686% | 2,471 |
| Cash dividends to net income (ytd only)* | 48.7106% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8213% | 4,285 |
| Loan loss allowance to noncurrent loans | 183.1683% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.3282% | 2,997 |
| Noncurrent loans to loans | 0.4484% | 2,812 |
| Net loans and leases to total assets | 72.5988% | 1,608 |
| Net loans and leases to deposits | 86.0420% | 1,758 |
| Net loans and leases to core deposits | 93.9745% | 1,742 |
| Total domestic deposits to total assets | 84.3761% | 2,605 |
| Equity capital to assets | 9.1032% | 3,996 |
| Core capital (leverage) ratio | 8.5228% | 4,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2568% | 2,082 |
| Memoranda: | ||
| Average total assets | $203,471,333 | 2,875 |
| Average earning assets | $180,524,333 | 2,949 |
| Average equity | $19,434,333 | 3,228 |
| Average total loans | $149,833,000 | 2,656 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7176% | 1,661 |
| Cost of funding earning assets | 1.2820% | 592 |
| Net interest margin | 3.4355% | 3,196 |
| Noninterest income to average assets | 0.4132% | 3,009 |
| Noninterest expense to average assets | 3.0156% | 1,850 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3345% | 4,276 |
| Return on assets (ROA) | 0.3585% | 4,253 |
| Pretax return on assets | 0.4618% | 4,185 |
| Return on Equity (ROE) | 3.6595% | 4,049 |
| Retained earnings to average equity (ytd only) | 0.1447% | 3,958 |
| Net charge-offs to loans | 0.0137% | 2,110 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 42.6000% | 1,001 |
| Efficiency ratio | 86.8390% | 646 |
| Assets per employee ($millions) | 4.9260% | 2,721 |
| Cash dividends to net income (ytd only)* | 96.0452% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8801% | 4,185 |
| Loan loss allowance to noncurrent loans | 147.4654% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.4298% | 2,754 |
| Noncurrent loans to loans | 0.5968% | 2,504 |
| Net loans and leases to total assets | 71.3732% | 2,024 |
| Net loans and leases to deposits | 86.0958% | 1,989 |
| Net loans and leases to core deposits | 96.0546% | 1,784 |
| Total domestic deposits to total assets | 82.8998% | 3,140 |
| Equity capital to assets | 9.6253% | 4,108 |
| Core capital (leverage) ratio | 9.0260% | 4,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4407% | 2,099 |
| Memoranda: | ||
| Average total assets | $197,503,500 | 2,894 |
| Average earning assets | $174,412,500 | 2,971 |
| Average equity | $19,347,000 | 3,229 |
| Average total loans | $145,910,500 | 2,672 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9725% | 1,546 |
| Cost of funding earning assets | 1.2703% | 844 |
| Net interest margin | 3.7022% | 2,810 |
| Noninterest income to average assets | 0.5220% | 2,614 |
| Noninterest expense to average assets | 3.2882% | 1,325 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3603% | 4,662 |
| Return on assets (ROA) | 0.3935% | 4,639 |
| Pretax return on assets | 0.5160% | 4,544 |
| Return on Equity (ROE) | 3.7317% | 4,526 |
| Retained earnings to average equity (ytd only) | 0.0777% | 4,668 |
| Net charge-offs to loans | 0.0058% | 3,472 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 108.3750% | 641 |
| Efficiency ratio | 86.6773% | 506 |
| Assets per employee ($millions) | 4.3873% | 3,392 |
| Cash dividends to net income (ytd only)* | 97.9167% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 4,058 |
| Loan loss allowance to noncurrent loans | 173.6486% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.3833% | 2,877 |
| Noncurrent loans to loans | 0.5055% | 2,676 |
| Net loans and leases to total assets | 75.1687% | 1,556 |
| Net loans and leases to deposits | 89.2635% | 1,668 |
| Net loans and leases to core deposits | 99.9346% | 1,569 |
| Total domestic deposits to total assets | 84.2099% | 2,784 |
| Equity capital to assets | 9.9742% | 3,945 |
| Core capital (leverage) ratio | 9.0769% | 4,462 |
| Tier 1 risk-based capital ratio | 13.2143% | 3,673 |
| Total risk-based capital ratio | 14.1850% | 3,702 |
| Memoranda: | ||
| Average total assets | $182,959,200 | 2,980 |
| Average earning assets | $160,119,800 | 3,079 |
| Average equity | $19,294,200 | 3,193 |
| Average total loans | $138,662,800 | 2,741 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9631% | 1,642 |
| Cost of funding earning assets | 1.2236% | 972 |
| Net interest margin | 3.7394% | 2,793 |
| Noninterest income to average assets | 0.4692% | 2,911 |
| Noninterest expense to average assets | 3.2801% | 1,310 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3496% | 4,788 |
| Return on assets (ROA) | 0.3946% | 4,757 |
| Pretax return on assets | 0.5091% | 4,690 |
| Return on Equity (ROE) | 3.6882% | 4,639 |
| Retained earnings to average equity (ytd only) | 0.7183% | 4,620 |
| Net charge-offs to loans | 0.0049% | 3,218 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 122.3358% | 636 |
| Efficiency ratio | 87.1313% | 446 |
| Assets per employee ($millions) | 4.6667% | 2,953 |
| Cash dividends to net income (ytd only)* | 80.5247% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8869% | 4,099 |
| Loan loss allowance to noncurrent loans | 109.6170% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 0.5995% | 2,206 |
| Noncurrent loans to loans | 0.8091% | 1,946 |
| Net loans and leases to total assets | 73.4332% | 1,927 |
| Net loans and leases to deposits | 84.5254% | 2,381 |
| Net loans and leases to core deposits | 96.9167% | 1,913 |
| Total domestic deposits to total assets | 86.8770% | 1,584 |
| Equity capital to assets | 9.8745% | 4,138 |
| Core capital (leverage) ratio | 9.4330% | 4,243 |
| Tier 1 risk-based capital ratio | 12.8361% | 3,935 |
| Total risk-based capital ratio | 13.7798% | 3,999 |
| Memoranda: | ||
| Average total assets | $180,439,250 | 3,039 |
| Average earning assets | $157,452,750 | 3,139 |
| Average equity | $19,304,250 | 3,215 |
| Average total loans | $136,731,000 | 2,780 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9822% | 1,528 |
| Cost of funding earning assets | 1.1713% | 1,069 |
| Net interest margin | 3.8109% | 2,550 |
| Noninterest income to average assets | 0.5056% | 2,644 |
| Noninterest expense to average assets | 3.3780% | 1,141 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3382% | 4,822 |
| Return on assets (ROA) | 0.3698% | 4,797 |
| Pretax return on assets | 0.4759% | 4,725 |
| Return on Equity (ROE) | 3.3597% | 4,711 |
| Retained earnings to average equity (ytd only) | 0.5599% | 4,551 |
| Net charge-offs to loans | -0.0015% | 3,922 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8217% | 449 |
| Assets per employee ($millions) | 4.2005% | 3,571 |
| Cash dividends to net income (ytd only)* | 83.3333% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9236% | 3,990 |
| Loan loss allowance to noncurrent loans | 129.3000% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.6235% | 2,159 |
| Noncurrent loans to loans | 0.7143% | 2,201 |
| Net loans and leases to total assets | 78.6169% | 1,100 |
| Net loans and leases to deposits | 88.6996% | 1,908 |
| Net loans and leases to core deposits | 103.0316% | 1,467 |
| Total domestic deposits to total assets | 88.6328% | 810 |
| Equity capital to assets | 10.9851% | 3,076 |
| Core capital (leverage) ratio | 9.7272% | 3,904 |
| Tier 1 risk-based capital ratio | 13.7157% | 3,476 |
| Total risk-based capital ratio | 14.7343% | 3,488 |
| Memoranda: | ||
| Average total assets | $175,252,330 | 3,108 |
| Average earning assets | $152,143,000 | 3,207 |
| Average equity | $19,287,670 | 3,218 |
| Average total loans | $133,902,330 | 2,828 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8999% | 1,589 |
| Cost of funding earning assets | 1.0877% | 1,226 |
| Net interest margin | 3.8122% | 2,484 |
| Noninterest income to average assets | 0.4351% | 2,943 |
| Noninterest expense to average assets | 3.4213% | 1,081 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2473% | 4,962 |
| Return on assets (ROA) | 0.2473% | 4,969 |
| Pretax return on assets | 0.3206% | 4,938 |
| Return on Equity (ROE) | 2.2451% | 4,934 |
| Retained earnings to average equity (ytd only) | 0.1663% | 4,489 |
| Net charge-offs to loans | 0.0031% | 2,631 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 140.0000% | 532 |
| Efficiency ratio | 90.6365% | 370 |
| Assets per employee ($millions) | 4.2955% | 3,486 |
| Cash dividends to net income (ytd only)* | 92.5926% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9735% | 3,854 |
| Loan loss allowance to noncurrent loans | 112.9484% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.7228% | 1,939 |
| Noncurrent loans to loans | 0.8619% | 1,916 |
| Net loans and leases to total assets | 74.5673% | 1,710 |
| Net loans and leases to deposits | 86.8965% | 2,012 |
| Net loans and leases to core deposits | 100.8439% | 1,544 |
| Total domestic deposits to total assets | 85.8116% | 2,355 |
| Equity capital to assets | 10.9581% | 2,897 |
| Core capital (leverage) ratio | 10.0951% | 3,495 |
| Tier 1 risk-based capital ratio | 14.2243% | 3,230 |
| Total risk-based capital ratio | 15.2862% | 3,240 |
| Memoranda: | ||
| Average total assets | $174,668,500 | 3,147 |
| Average earning assets | $151,514,500 | 3,252 |
| Average equity | $19,241,500 | 3,231 |
| Average total loans | $130,859,000 | 2,894 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8409% | 1,446 |
| Cost of funding earning assets | 0.9552% | 909 |
| Net interest margin | 3.8858% | 2,373 |
| Noninterest income to average assets | 0.5388% | 2,617 |
| Noninterest expense to average assets | 3.2794% | 1,374 |
| Loan and lease loss provision to assets | 0.0170% | 3,818 |
| Net operating income to assets | 0.4783% | 4,709 |
| Return on assets (ROA) | 0.4765% | 4,716 |
| Pretax return on assets | 0.6193% | 4,599 |
| Return on Equity (ROE) | 4.9251% | 4,471 |
| Retained earnings to average equity (ytd only) | 0.8257% | 4,767 |
| Net charge-offs to loans | 0.0068% | 3,445 |
| Credit loss provision to net charge-offs | 333.3333% | 932 |
| Earnings coverage of net charge-offs (x) | 125.2222% | 633 |
| Efficiency ratio | 82.9790% | 708 |
| Assets per employee ($millions) | 4.0284% | 3,859 |
| Cash dividends to net income (ytd only)* | 83.2342% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 3,675 |
| Loan loss allowance to noncurrent loans | 99.5381% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 0.8250% | 1,696 |
| Noncurrent loans to loans | 1.0062% | 1,616 |
| Net loans and leases to total assets | 73.7838% | 1,971 |
| Net loans and leases to deposits | 86.1165% | 2,256 |
| Net loans and leases to core deposits | 101.8212% | 1,592 |
| Total domestic deposits to total assets | 85.6790% | 2,368 |
| Equity capital to assets | 11.0749% | 2,616 |
| Core capital (leverage) ratio | 10.0426% | 3,529 |
| Tier 1 risk-based capital ratio | 14.5465% | 3,045 |
| Total risk-based capital ratio | 15.6354% | 3,036 |
| Memoranda: | ||
| Average total assets | $176,496,600 | 3,092 |
| Average earning assets | $153,483,400 | 3,201 |
| Average equity | $17,075,800 | 3,388 |
| Average total loans | $132,643,200 | 2,852 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8519% | 1,297 |
| Cost of funding earning assets | 0.9054% | 898 |
| Net interest margin | 3.9465% | 2,138 |
| Noninterest income to average assets | 0.5594% | 2,525 |
| Noninterest expense to average assets | 3.2957% | 1,311 |
| Loan and lease loss provision to assets | 0.0226% | 3,571 |
| Net operating income to assets | 0.5099% | 4,741 |
| Return on assets (ROA) | 0.5076% | 4,749 |
| Pretax return on assets | 0.6730% | 4,597 |
| Return on Equity (ROE) | 5.4384% | 4,437 |
| Retained earnings to average equity (ytd only) | 1.2086% | 4,803 |
| Net charge-offs to loans | 0.0060% | 3,221 |
| Credit loss provision to net charge-offs | 500.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 154.8300% | 532 |
| Efficiency ratio | 81.7959% | 791 |
| Assets per employee ($millions) | 3.9814% | 3,919 |
| Cash dividends to net income (ytd only)* | 77.7773% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0122% | 3,683 |
| Loan loss allowance to noncurrent loans | 102.2082% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.7980% | 1,853 |
| Noncurrent loans to loans | 0.9903% | 1,721 |
| Net loans and leases to total assets | 72.3516% | 2,281 |
| Net loans and leases to deposits | 82.9116% | 2,725 |
| Net loans and leases to core deposits | 96.7904% | 2,045 |
| Total domestic deposits to total assets | 87.2635% | 1,618 |
| Equity capital to assets | 9.4525% | 4,122 |
| Core capital (leverage) ratio | 8.2947% | 5,206 |
| Tier 1 risk-based capital ratio | 12.8382% | 3,995 |
| Total risk-based capital ratio | 13.9743% | 3,963 |
| Memoranda: | ||
| Average total assets | $177,315,500 | 3,104 |
| Average earning assets | $154,328,750 | 3,221 |
| Average equity | $16,548,750 | 3,478 |
| Average total loans | $133,528,500 | 2,860 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8760% | 1,069 |
| Cost of funding earning assets | 0.8112% | 1,080 |
| Net interest margin | 4.0648% | 1,655 |
| Noninterest income to average assets | 0.6201% | 2,224 |
| Noninterest expense to average assets | 3.2905% | 1,344 |
| Loan and lease loss provision to assets | 0.0337% | 3,242 |
| Net operating income to assets | 0.6259% | 4,422 |
| Return on assets (ROA) | 0.6224% | 4,434 |
| Pretax return on assets | 0.8268% | 4,169 |
| Return on Equity (ROE) | 6.6968% | 3,995 |
| Retained earnings to average equity (ytd only) | 1.5594% | 4,618 |
| Net charge-offs to loans | 0.0059% | 2,935 |
| Credit loss provision to net charge-offs | 750.0000% | 521 |
| Earnings coverage of net charge-offs (x) | 192.5000% | 428 |
| Efficiency ratio | 78.5077% | 1,162 |
| Assets per employee ($millions) | 4.0614% | 3,797 |
| Cash dividends to net income (ytd only)* | 76.7148% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9790% | 3,962 |
| Loan loss allowance to noncurrent loans | 106.3063% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.7560% | 1,967 |
| Noncurrent loans to loans | 0.9209% | 1,882 |
| Net loans and leases to total assets | 73.4684% | 2,040 |
| Net loans and leases to deposits | 83.9067% | 2,546 |
| Net loans and leases to core deposits | 97.7391% | 1,911 |
| Total domestic deposits to total assets | 87.5596% | 1,610 |
| Equity capital to assets | 9.2680% | 4,319 |
| Core capital (leverage) ratio | 8.1821% | 5,273 |
| Tier 1 risk-based capital ratio | 12.3916% | 4,250 |
| Total risk-based capital ratio | 13.4944% | 4,227 |
| Memoranda: | ||
| Average total assets | $178,026,670 | 3,116 |
| Average earning assets | $154,839,670 | 3,233 |
| Average equity | $16,545,330 | 3,491 |
| Average total loans | $135,357,000 | 2,850 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9740% | 734 |
| Cost of funding earning assets | 0.7377% | 1,252 |
| Net interest margin | 4.2363% | 1,088 |
| Noninterest income to average assets | 0.4705% | 2,993 |
| Noninterest expense to average assets | 3.2348% | 1,488 |
| Loan and lease loss provision to assets | 0.0675% | 2,412 |
| Net operating income to assets | 0.6335% | 4,326 |
| Return on assets (ROA) | 0.6371% | 4,333 |
| Pretax return on assets | 0.8442% | 4,037 |
| Return on Equity (ROE) | 6.8453% | 3,843 |
| Retained earnings to average equity (ytd only) | 2.0076% | 4,347 |
| Net charge-offs to loans | 0.0088% | 2,420 |
| Credit loss provision to net charge-offs | 1,000.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 134.3333% | 485 |
| Efficiency ratio | 77.3913% | 1,413 |
| Assets per employee ($millions) | 3.9049% | 4,146 |
| Cash dividends to net income (ytd only)* | 70.6714% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9464% | 4,236 |
| Loan loss allowance to noncurrent loans | 95.5850% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 1.2303% | 1,224 |
| Noncurrent loans to loans | 0.9901% | 1,844 |
| Net loans and leases to total assets | 75.6888% | 1,587 |
| Net loans and leases to deposits | 86.2605% | 2,135 |
| Net loans and leases to core deposits | 92.6964% | 2,243 |
| Total domestic deposits to total assets | 87.7445% | 1,766 |
| Equity capital to assets | 9.2125% | 4,353 |
| Core capital (leverage) ratio | 8.3262% | 5,244 |
| Tier 1 risk-based capital ratio | 11.7797% | 4,696 |
| Total risk-based capital ratio | 12.8388% | 4,702 |
| Memoranda: | ||
| Average total assets | $177,690,000 | 3,155 |
| Average earning assets | $154,001,000 | 3,277 |
| Average equity | $16,537,000 | 3,523 |
| Average total loans | $136,742,500 | 2,855 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5497% | 1,561 |
| Cost of funding earning assets | 0.7225% | 918 |
| Net interest margin | 3.8272% | 2,329 |
| Noninterest income to average assets | 0.6052% | 2,423 |
| Noninterest expense to average assets | 3.1473% | 1,724 |
| Loan and lease loss provision to assets | 0.0507% | 3,206 |
| Net operating income to assets | -0.0638% | 5,397 |
| Return on assets (ROA) | -0.0389% | 5,392 |
| Pretax return on assets | 0.7388% | 4,417 |
| Return on Equity (ROE) | -0.4025% | 5,395 |
| Retained earnings to average equity (ytd only) | -3.9315% | 5,396 |
| Net charge-offs to loans | -0.0662% | 5,259 |
| Credit loss provision to net charge-offs | -102.2727% | 4,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8926% | 1,238 |
| Assets per employee ($millions) | 3.9944% | 3,971 |
| Cash dividends to net income (ytd only)* | -876.8116% | 5,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9337% | 4,299 |
| Loan loss allowance to noncurrent loans | 109.7498% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 1.1436% | 1,308 |
| Noncurrent loans to loans | 0.8508% | 2,092 |
| Net loans and leases to total assets | 76.7876% | 1,467 |
| Net loans and leases to deposits | 87.8885% | 2,032 |
| Net loans and leases to core deposits | 94.1971% | 2,177 |
| Total domestic deposits to total assets | 87.3693% | 1,824 |
| Equity capital to assets | 9.4029% | 4,322 |
| Core capital (leverage) ratio | 8.0050% | 5,438 |
| Tier 1 risk-based capital ratio | 11.5785% | 4,802 |
| Total risk-based capital ratio | 12.6099% | 4,819 |
| Memoranda: | ||
| Average total assets | $177,452,200 | 3,152 |
| Average earning assets | $152,670,800 | 3,288 |
| Average equity | $17,143,600 | 3,472 |
| Average total loans | $132,929,600 | 2,877 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4972% | 1,650 |
| Cost of funding earning assets | 0.7119% | 913 |
| Net interest margin | 3.7853% | 2,453 |
| Noninterest income to average assets | 0.6161% | 2,386 |
| Noninterest expense to average assets | 3.1099% | 1,771 |
| Loan and lease loss provision to assets | 0.0450% | 3,198 |
| Net operating income to assets | 0.4603% | 4,851 |
| Return on assets (ROA) | 0.4940% | 4,781 |
| Pretax return on assets | 0.7653% | 4,441 |
| Return on Equity (ROE) | 5.0794% | 4,505 |
| Retained earnings to average equity (ytd only) | 1.5724% | 4,798 |
| Net charge-offs to loans | -0.0151% | 4,756 |
| Credit loss provision to net charge-offs | -400.0000% | 4,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2988% | 1,293 |
| Assets per employee ($millions) | 4.2317% | 3,590 |
| Cash dividends to net income (ytd only)* | 69.0442% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8529% | 4,749 |
| Loan loss allowance to noncurrent loans | 100.9499% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 1.1305% | 1,463 |
| Noncurrent loans to loans | 0.8449% | 2,252 |
| Net loans and leases to total assets | 74.6793% | 1,807 |
| Net loans and leases to deposits | 85.5610% | 2,357 |
| Net loans and leases to core deposits | 90.8865% | 2,538 |
| Total domestic deposits to total assets | 87.2820% | 1,738 |
| Equity capital to assets | 9.5943% | 4,353 |
| Core capital (leverage) ratio | 7.9432% | 5,529 |
| Tier 1 risk-based capital ratio | 11.2326% | 5,117 |
| Total risk-based capital ratio | 12.1619% | 5,182 |
| Memoranda: | ||
| Average total assets | $177,876,500 | 3,173 |
| Average earning assets | $152,832,500 | 3,316 |
| Average equity | $17,298,000 | 3,492 |
| Average total loans | $132,104,500 | 2,911 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4498% | 1,668 |
| Cost of funding earning assets | 0.7000% | 894 |
| Net interest margin | 3.7498% | 2,470 |
| Noninterest income to average assets | 0.6390% | 2,262 |
| Noninterest expense to average assets | 3.1114% | 1,812 |
| Loan and lease loss provision to assets | 0.0340% | 3,307 |
| Net operating income to assets | 0.4591% | 4,830 |
| Return on assets (ROA) | 0.5099% | 4,715 |
| Pretax return on assets | 0.7886% | 4,315 |
| Return on Equity (ROE) | 5.2190% | 4,387 |
| Retained earnings to average equity (ytd only) | 1.4497% | 4,665 |
| Net charge-offs to loans | -0.0261% | 4,893 |
| Credit loss provision to net charge-offs | -176.4706% | 4,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5483% | 1,391 |
| Assets per employee ($millions) | 4.2972% | 3,438 |
| Cash dividends to net income (ytd only)* | 72.2222% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8355% | 4,856 |
| Loan loss allowance to noncurrent loans | 88.2444% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.2350% | 1,373 |
| Noncurrent loans to loans | 0.9468% | 2,066 |
| Net loans and leases to total assets | 73.2893% | 1,989 |
| Net loans and leases to deposits | 83.6808% | 2,523 |
| Net loans and leases to core deposits | 89.2280% | 2,596 |
| Total domestic deposits to total assets | 87.5820% | 1,672 |
| Equity capital to assets | 9.3895% | 4,527 |
| Core capital (leverage) ratio | 8.0017% | 5,523 |
| Tier 1 risk-based capital ratio | 11.2815% | 5,102 |
| Total risk-based capital ratio | 12.2070% | 5,174 |
| Memoranda: | ||
| Average total assets | $176,514,670 | 3,202 |
| Average earning assets | $151,421,330 | 3,350 |
| Average equity | $17,244,670 | 3,507 |
| Average total loans | $130,453,670 | 2,943 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4063% | 1,630 |
| Cost of funding earning assets | 0.6875% | 891 |
| Net interest margin | 3.7188% | 2,422 |
| Noninterest income to average assets | 0.7681% | 1,673 |
| Noninterest expense to average assets | 3.1604% | 1,717 |
| Loan and lease loss provision to assets | 0.0696% | 2,418 |
| Net operating income to assets | 0.5430% | 4,412 |
| Return on assets (ROA) | 0.5430% | 4,454 |
| Pretax return on assets | 0.7263% | 4,361 |
| Return on Equity (ROE) | 5.4444% | 4,172 |
| Retained earnings to average equity (ytd only) | 0.2094% | 4,866 |
| Net charge-offs to loans | 0.0126% | 2,559 |
| Credit loss provision to net charge-offs | 750.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 85.7500% | 625 |
| Efficiency ratio | 77.7713% | 1,662 |
| Assets per employee ($millions) | 4.1601% | 3,742 |
| Cash dividends to net income (ytd only)* | 96.1538% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8462% | 4,936 |
| Loan loss allowance to noncurrent loans | 49.8221% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 1.3255% | 1,278 |
| Noncurrent loans to loans | 1.6984% | 1,125 |
| Net loans and leases to total assets | 75.1125% | 1,559 |
| Net loans and leases to deposits | 86.3439% | 1,996 |
| Net loans and leases to core deposits | 92.5268% | 2,119 |
| Total domestic deposits to total assets | 86.9922% | 2,215 |
| Equity capital to assets | 9.8514% | 3,930 |
| Core capital (leverage) ratio | 8.2125% | 5,439 |
| Tier 1 risk-based capital ratio | 11.3698% | 5,107 |
| Total risk-based capital ratio | 12.3036% | 5,184 |
| Memoranda: | ||
| Average total assets | $172,382,000 | 3,287 |
| Average earning assets | $147,788,000 | 3,429 |
| Average equity | $17,192,000 | 3,521 |
| Average total loans | $127,398,000 | 2,999 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2344% | 2,371 |
| Cost of funding earning assets | 0.5734% | 1,522 |
| Net interest margin | 3.6610% | 2,856 |
| Noninterest income to average assets | 0.6282% | 2,514 |
| Noninterest expense to average assets | 3.4082% | 1,338 |
| Loan and lease loss provision to assets | 0.1354% | 1,844 |
| Net operating income to assets | 0.0966% | 5,562 |
| Return on assets (ROA) | 0.1155% | 5,572 |
| Pretax return on assets | 0.1580% | 5,537 |
| Return on Equity (ROE) | 1.0363% | 5,560 |
| Retained earnings to average equity (ytd only) | 0.0232% | 5,297 |
| Net charge-offs to loans | 0.0059% | 4,053 |
| Credit loss provision to net charge-offs | 3,500.0000% | 125 |
| Earnings coverage of net charge-offs (x) | 69.1667% | 803 |
| Efficiency ratio | 89.9807% | 553 |
| Assets per employee ($millions) | 3.8645% | 4,200 |
| Cash dividends to net income (ytd only)* | 97.7654% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8935% | 4,805 |
| Loan loss allowance to noncurrent loans | 50.4845% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 1.3144% | 1,334 |
| Noncurrent loans to loans | 1.7699% | 1,078 |
| Net loans and leases to total assets | 71.3611% | 2,264 |
| Net loans and leases to deposits | 82.3885% | 2,620 |
| Net loans and leases to core deposits | 87.3768% | 2,742 |
| Total domestic deposits to total assets | 86.6153% | 2,322 |
| Equity capital to assets | 10.0983% | 3,606 |
| Core capital (leverage) ratio | 8.4535% | 5,309 |
| Tier 1 risk-based capital ratio | 12.3406% | 4,482 |
| Total risk-based capital ratio | 13.3358% | 4,549 |
| Memoranda: | ||
| Average total assets | $155,040,000 | 3,444 |
| Average earning assets | $129,062,400 | 3,667 |
| Average equity | $17,272,400 | 3,519 |
| Average total loans | $102,380,400 | 3,346 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1736% | 2,596 |
| Cost of funding earning assets | 0.5493% | 1,697 |
| Net interest margin | 3.6243% | 2,988 |
| Noninterest income to average assets | 0.6345% | 2,497 |
| Noninterest expense to average assets | 3.4291% | 1,291 |
| Loan and lease loss provision to assets | 0.1454% | 1,611 |
| Net operating income to assets | 0.0405% | 5,688 |
| Return on assets (ROA) | 0.0670% | 5,702 |
| Pretax return on assets | 0.0899% | 5,687 |
| Return on Equity (ROE) | 0.5858% | 5,688 |
| Retained earnings to average equity (ytd only) | 0.5858% | 5,205 |
| Net charge-offs to loans | 0.0069% | 3,676 |
| Credit loss provision to net charge-offs | 3,300.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 45.3763% | 1,147 |
| Efficiency ratio | 91.5736% | 491 |
| Assets per employee ($millions) | 3.7432% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8917% | 4,900 |
| Loan loss allowance to noncurrent loans | 50.4081% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 1.3426% | 1,405 |
| Noncurrent loans to loans | 1.7689% | 1,176 |
| Net loans and leases to total assets | 72.5073% | 2,115 |
| Net loans and leases to deposits | 84.5917% | 2,418 |
| Net loans and leases to core deposits | 88.0947% | 2,749 |
| Total domestic deposits to total assets | 85.7144% | 2,499 |
| Equity capital to assets | 10.8332% | 3,214 |
| Core capital (leverage) ratio | 8.6248% | 5,237 |
| Tier 1 risk-based capital ratio | 12.7393% | 4,317 |
| Total risk-based capital ratio | 13.7275% | 4,388 |
| Memoranda: | ||
| Average total assets | $151,290,500 | 3,518 |
| Average earning assets | $125,004,750 | 3,753 |
| Average equity | $17,297,750 | 3,544 |
| Average total loans | $97,366,750 | 3,444 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9880% | 3,281 |
| Cost of funding earning assets | 0.4995% | 2,103 |
| Net interest margin | 3.4885% | 3,529 |
| Noninterest income to average assets | 0.5754% | 2,755 |
| Noninterest expense to average assets | 3.4484% | 1,266 |
| Loan and lease loss provision to assets | 0.0837% | 2,466 |
| Net operating income to assets | -0.0550% | 5,796 |
| Return on assets (ROA) | -0.0270% | 5,805 |
| Pretax return on assets | -0.0392% | 5,805 |
| Return on Equity (ROE) | -0.2319% | 5,805 |
| Retained earnings to average equity (ytd only) | -0.2319% | 5,327 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7136% | 321 |
| Assets per employee ($millions) | 3.8145% | 4,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8469% | 5,138 |
| Loan loss allowance to noncurrent loans | 37.8078% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 1.7475% | 1,009 |
| Noncurrent loans to loans | 2.2399% | 829 |
| Net loans and leases to total assets | 66.4113% | 3,025 |
| Net loans and leases to deposits | 85.8644% | 2,261 |
| Net loans and leases to core deposits | 90.6189% | 2,475 |
| Total domestic deposits to total assets | 77.3444% | 5,110 |
| Equity capital to assets | 10.3599% | 3,778 |
| Core capital (leverage) ratio | 9.4887% | 4,226 |
| Tier 1 risk-based capital ratio | 12.9338% | 4,240 |
| Total risk-based capital ratio | 13.8521% | 4,355 |
| Memoranda: | ||
| Average total assets | $148,067,670 | 3,587 |
| Average earning assets | $122,116,330 | 3,845 |
| Average equity | $17,251,330 | 3,552 |
| Average total loans | $90,570,000 | 3,596 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1708% | 2,583 |
| Cost of funding earning assets | 0.4928% | 2,161 |
| Net interest margin | 3.6781% | 2,765 |
| Noninterest income to average assets | 0.3792% | 3,994 |
| Noninterest expense to average assets | 3.5895% | 1,035 |
| Loan and lease loss provision to assets | 0.0347% | 3,198 |
| Net operating income to assets | -0.1610% | 5,867 |
| Return on assets (ROA) | -0.0955% | 5,864 |
| Pretax return on assets | -0.1303% | 5,872 |
| Return on Equity (ROE) | -0.7682% | 5,861 |
| Retained earnings to average equity (ytd only) | -0.7682% | 5,247 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0408% | 243 |
| Assets per employee ($millions) | 3.2348% | 5,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1186% | 3,953 |
| Loan loss allowance to noncurrent loans | 41.8561% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 1.8476% | 989 |
| Noncurrent loans to loans | 2.6725% | 671 |
| Net loans and leases to total assets | 57.3237% | 4,113 |
| Net loans and leases to deposits | 66.4763% | 4,211 |
| Net loans and leases to core deposits | 72.7987% | 3,997 |
| Total domestic deposits to total assets | 86.2318% | 2,579 |
| Equity capital to assets | 12.3994% | 1,753 |
| Core capital (leverage) ratio | 10.0452% | 3,477 |
| Tier 1 risk-based capital ratio | 15.8368% | 2,764 |
| Total risk-based capital ratio | 16.9051% | 2,770 |
| Memoranda: | ||
| Average total assets | $138,182,000 | 3,778 |
| Average earning assets | $113,647,000 | 4,015 |
| Average equity | $17,183,000 | 3,554 |
| Average total loans | $79,647,000 | 3,863 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1164% | 2,856 |
| Cost of funding earning assets | 0.5628% | 1,652 |
| Net interest margin | 3.5536% | 3,306 |
| Noninterest income to average assets | 0.7280% | 2,076 |
| Noninterest expense to average assets | 3.5886% | 1,147 |
| Loan and lease loss provision to assets | 0.0641% | 3,013 |
| Net operating income to assets | 0.0423% | 5,822 |
| Return on assets (ROA) | 0.1333% | 5,760 |
| Pretax return on assets | 0.1999% | 5,687 |
| Return on Equity (ROE) | 1.1447% | 5,748 |
| Retained earnings to average equity (ytd only) | 0.9612% | 5,136 |
| Net charge-offs to loans | -0.0103% | 5,117 |
| Credit loss provision to net charge-offs | -1,071.4286% | 5,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0000% | 484 |
| Assets per employee ($millions) | 3.3480% | 5,070 |
| Cash dividends to net income (ytd only)* | 16.0256% | 3,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 3,859 |
| Loan loss allowance to noncurrent loans | 43.1620% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 1.8045% | 1,053 |
| Noncurrent loans to loans | 2.6215% | 682 |
| Net loans and leases to total assets | 56.6534% | 4,239 |
| Net loans and leases to deposits | 68.0507% | 4,124 |
| Net loans and leases to core deposits | 72.6299% | 4,078 |
| Total domestic deposits to total assets | 83.2517% | 3,752 |
| Equity capital to assets | 12.4712% | 1,641 |
| Core capital (leverage) ratio | 10.0777% | 3,403 |
| Tier 1 risk-based capital ratio | 16.1905% | 2,605 |
| Total risk-based capital ratio | 17.2588% | 2,626 |
| Memoranda: | ||
| Average total assets | $117,037,000 | 4,114 |
| Average earning assets | $98,434,400 | 4,326 |
| Average equity | $13,628,600 | 4,030 |
| Average total loans | $68,010,400 | 4,138 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0745% | 3,044 |
| Cost of funding earning assets | 0.5788% | 1,555 |
| Net interest margin | 3.4957% | 3,554 |
| Noninterest income to average assets | 0.7668% | 1,945 |
| Noninterest expense to average assets | 3.5410% | 1,211 |
| Loan and lease loss provision to assets | 0.0893% | 2,373 |
| Net operating income to assets | 0.0628% | 5,884 |
| Return on assets (ROA) | 0.2048% | 5,731 |
| Pretax return on assets | 0.2739% | 5,682 |
| Return on Equity (ROE) | 1.7978% | 5,713 |
| Retained earnings to average equity (ytd only) | 1.5365% | 5,098 |
| Net charge-offs to loans | -0.0122% | 5,055 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0449% | 522 |
| Assets per employee ($millions) | 3.6578% | 4,505 |
| Cash dividends to net income (ytd only)* | 14.5336% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 3,544 |
| Loan loss allowance to noncurrent loans | 37.8298% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 1.9922% | 1,031 |
| Noncurrent loans to loans | 3.2247% | 517 |
| Net loans and leases to total assets | 50.4620% | 4,896 |
| Net loans and leases to deposits | 58.9154% | 4,927 |
| Net loans and leases to core deposits | 62.6007% | 4,894 |
| Total domestic deposits to total assets | 85.6515% | 2,713 |
| Equity capital to assets | 12.0717% | 2,051 |
| Core capital (leverage) ratio | 9.6508% | 4,105 |
| Tier 1 risk-based capital ratio | 17.0029% | 2,380 |
| Total risk-based capital ratio | 18.1373% | 2,371 |
| Memoranda: | ||
| Average total assets | $111,979,250 | 4,265 |
| Average earning assets | $94,438,250 | 4,474 |
| Average equity | $12,756,000 | 4,228 |
| Average total loans | $65,348,750 | 4,267 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3281% | 2,091 |
| Cost of funding earning assets | 0.6156% | 1,309 |
| Net interest margin | 3.7125% | 2,656 |
| Noninterest income to average assets | 0.4029% | 4,066 |
| Noninterest expense to average assets | 3.2589% | 1,823 |
| Loan and lease loss provision to assets | 0.1474% | 1,456 |
| Net operating income to assets | 0.0950% | 5,880 |
| Return on assets (ROA) | 0.3263% | 5,462 |
| Pretax return on assets | 0.4383% | 5,383 |
| Return on Equity (ROE) | 2.9465% | 5,416 |
| Retained earnings to average equity (ytd only) | 2.5027% | 4,461 |
| Net charge-offs to loans | -0.0191% | 5,160 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8720% | 763 |
| Assets per employee ($millions) | 3.8743% | 4,119 |
| Cash dividends to net income (ytd only)* | 15.0602% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 2,882 |
| Loan loss allowance to noncurrent loans | 37.8459% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 2.8889% | 595 |
| Noncurrent loans to loans | 3.6297% | 473 |
| Net loans and leases to total assets | 63.3632% | 3,359 |
| Net loans and leases to deposits | 76.2724% | 3,236 |
| Net loans and leases to core deposits | 82.0831% | 3,163 |
| Total domestic deposits to total assets | 83.0749% | 3,919 |
| Equity capital to assets | 11.0481% | 2,838 |
| Core capital (leverage) ratio | 8.6660% | 5,354 |
| Tier 1 risk-based capital ratio | 13.5010% | 4,226 |
| Total risk-based capital ratio | 14.7876% | 4,129 |
| Memoranda: | ||
| Average total assets | $101,753,670 | 4,517 |
| Average earning assets | $85,764,670 | 4,687 |
| Average equity | $11,267,670 | 4,519 |
| Average total loans | $62,839,670 | 4,376 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2269% | 2,360 |
| Cost of funding earning assets | 0.6177% | 1,321 |
| Net interest margin | 3.6092% | 2,969 |
| Noninterest income to average assets | 0.4381% | 3,706 |
| Noninterest expense to average assets | 3.1956% | 1,997 |
| Loan and lease loss provision to assets | 0.1956% | 950 |
| Net operating income to assets | 0.0812% | 5,908 |
| Return on assets (ROA) | 0.4498% | 4,990 |
| Pretax return on assets | 0.5945% | 4,927 |
| Return on Equity (ROE) | 4.0575% | 4,959 |
| Retained earnings to average equity (ytd only) | 4.0575% | 3,569 |
| Net charge-offs to loans | -0.0194% | 5,038 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8268% | 952 |
| Assets per employee ($millions) | 4.0906% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3899% | 2,960 |
| Loan loss allowance to noncurrent loans | 49.1158% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 2.2647% | 1,000 |
| Noncurrent loans to loans | 2.8299% | 806 |
| Net loans and leases to total assets | 59.7315% | 3,691 |
| Net loans and leases to deposits | 71.8258% | 3,551 |
| Net loans and leases to core deposits | 77.4434% | 3,433 |
| Total domestic deposits to total assets | 83.1616% | 4,135 |
| Equity capital to assets | 11.1190% | 2,845 |
| Core capital (leverage) ratio | 8.5467% | 5,477 |
| Tier 1 risk-based capital ratio | 13.9959% | 4,021 |
| Total risk-based capital ratio | 15.2843% | 3,908 |
| Memoranda: | ||
| Average total assets | $102,264,500 | 4,550 |
| Average earning assets | $86,777,500 | 4,701 |
| Average equity | $11,337,000 | 4,539 |
| Average total loans | $61,901,500 | 4,433 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6915% | 1,331 |
| Cost of funding earning assets | 0.6755% | 1,236 |
| Net interest margin | 4.0160% | 1,853 |
| Noninterest income to average assets | 0.4386% | 3,909 |
| Noninterest expense to average assets | 3.0716% | 2,618 |
| Loan and lease loss provision to assets | 0.1780% | 1,448 |
| Net operating income to assets | 3.3521% | 75 |
| Return on assets (ROA) | 3.6086% | 68 |
| Pretax return on assets | 0.7695% | 4,368 |
| Return on Equity (ROE) | 35.2555% | 32 |
| Retained earnings to average equity (ytd only) | 32.6985% | 18 |
| Net charge-offs to loans | -0.0217% | 5,714 |
| Credit loss provision to net charge-offs | -1,416.6667% | 5,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2432% | 2,030 |
| Assets per employee ($millions) | 4.4462% | 3,130 |
| Cash dividends to net income (ytd only)* | 7.2527% | 4,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 3,386 |
| Loan loss allowance to noncurrent loans | 42.3924% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 2.4271% | 956 |
| Noncurrent loans to loans | 3.0813% | 723 |
| Net loans and leases to total assets | 59.6980% | 3,827 |
| Net loans and leases to deposits | 75.0550% | 3,305 |
| Net loans and leases to core deposits | 80.8778% | 3,203 |
| Total domestic deposits to total assets | 79.5390% | 5,135 |
| Equity capital to assets | 11.0529% | 2,847 |
| Core capital (leverage) ratio | 8.1430% | 5,898 |
| Tier 1 risk-based capital ratio | 12.8307% | 4,839 |
| Total risk-based capital ratio | 14.0811% | 4,750 |
| Memoranda: | ||
| Average total assets | $95,521,600 | 4,703 |
| Average earning assets | $79,058,400 | 4,902 |
| Average equity | $9,777,200 | 4,793 |
| Average total loans | $55,210,400 | 4,642 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7311% | 1,236 |
| Cost of funding earning assets | 0.6848% | 1,231 |
| Net interest margin | 4.0463% | 1,735 |
| Noninterest income to average assets | 0.6181% | 2,761 |
| Noninterest expense to average assets | 3.2893% | 1,923 |
| Loan and lease loss provision to assets | 0.1705% | 1,442 |
| Net operating income to assets | 4.3678% | 54 |
| Return on assets (ROA) | 4.7159% | 50 |
| Pretax return on assets | 0.8227% | 4,273 |
| Return on Equity (ROE) | 47.0981% | 16 |
| Retained earnings to average equity (ytd only) | 44.9696% | 9 |
| Net charge-offs to loans | -0.0274% | 5,709 |
| Credit loss provision to net charge-offs | -1,090.9091% | 5,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2568% | 1,716 |
| Assets per employee ($millions) | 4.5356% | 2,903 |
| Cash dividends to net income (ytd only)* | 4.5195% | 3,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 3,546 |
| Loan loss allowance to noncurrent loans | 47.2829% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 2.2168% | 1,247 |
| Noncurrent loans to loans | 2.7923% | 995 |
| Net loans and leases to total assets | 56.7020% | 4,238 |
| Net loans and leases to deposits | 68.6114% | 4,070 |
| Net loans and leases to core deposits | 73.6035% | 3,984 |
| Total domestic deposits to total assets | 82.6423% | 4,255 |
| Equity capital to assets | 11.0339% | 2,923 |
| Core capital (leverage) ratio | 8.0688% | 6,020 |
| Tier 1 risk-based capital ratio | 13.7881% | 4,364 |
| Total risk-based capital ratio | 15.0397% | 4,292 |
| Memoranda: | ||
| Average total assets | $93,836,250 | 4,808 |
| Average earning assets | $76,908,500 | 5,013 |
| Average equity | $9,395,750 | 4,925 |
| Average total loans | $53,548,750 | 4,750 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7343% | 1,215 |
| Cost of funding earning assets | 0.6621% | 1,421 |
| Net interest margin | 4.0722% | 1,598 |
| Noninterest income to average assets | 0.7882% | 1,888 |
| Noninterest expense to average assets | 3.3749% | 1,736 |
| Loan and lease loss provision to assets | 0.1306% | 1,890 |
| Net operating income to assets | 6.7172% | 32 |
| Return on assets (ROA) | 7.0024% | 29 |
| Pretax return on assets | 0.9428% | 3,712 |
| Return on Equity (ROE) | 72.6150% | 9 |
| Retained earnings to average equity (ytd only) | 70.3571% | 5 |
| Net charge-offs to loans | -0.0421% | 5,798 |
| Credit loss provision to net charge-offs | -545.4545% | 5,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8180% | 2,192 |
| Assets per employee ($millions) | 4.6775% | 2,654 |
| Cash dividends to net income (ytd only)* | 3.1095% | 3,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 4,110 |
| Loan loss allowance to noncurrent loans | 51.2123% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 1.9270% | 1,676 |
| Noncurrent loans to loans | 2.4546% | 1,276 |
| Net loans and leases to total assets | 53.2054% | 4,626 |
| Net loans and leases to deposits | 65.0203% | 4,376 |
| Net loans and leases to core deposits | 69.1912% | 4,349 |
| Total domestic deposits to total assets | 81.8289% | 4,707 |
| Equity capital to assets | 10.6972% | 3,202 |
| Core capital (leverage) ratio | 8.4602% | 5,673 |
| Tier 1 risk-based capital ratio | 14.1433% | 4,156 |
| Total risk-based capital ratio | 15.3909% | 4,103 |
| Memoranda: | ||
| Average total assets | $91,854,000 | 4,882 |
| Average earning assets | $76,125,670 | 5,068 |
| Average equity | $8,857,670 | 5,065 |
| Average total loans | $52,286,330 | 4,815 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6870% | 1,288 |
| Cost of funding earning assets | 0.6328% | 1,711 |
| Net interest margin | 4.0542% | 1,585 |
| Noninterest income to average assets | 1.0379% | 1,044 |
| Noninterest expense to average assets | 3.3963% | 1,710 |
| Loan and lease loss provision to assets | 0.0927% | 2,372 |
| Net operating income to assets | 1.3993% | 985 |
| Return on assets (ROA) | 1.5568% | 753 |
| Pretax return on assets | 1.2093% | 2,450 |
| Return on Equity (ROE) | 17.2695% | 508 |
| Retained earnings to average equity (ytd only) | 14.6996% | 346 |
| Net charge-offs to loans | -0.0552% | 5,845 |
| Credit loss provision to net charge-offs | -285.7143% | 5,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5510% | 3,387 |
| Assets per employee ($millions) | 4.7935% | 2,525 |
| Cash dividends to net income (ytd only)* | 14.8810% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 4,408 |
| Loan loss allowance to noncurrent loans | 54.8739% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 2.2322% | 1,480 |
| Noncurrent loans to loans | 2.2688% | 1,585 |
| Net loans and leases to total assets | 56.8734% | 4,027 |
| Net loans and leases to deposits | 71.7464% | 3,371 |
| Net loans and leases to core deposits | 76.5292% | 3,358 |
| Total domestic deposits to total assets | 79.2701% | 5,637 |
| Equity capital to assets | 8.8607% | 5,264 |
| Core capital (leverage) ratio | 9.2069% | 4,712 |
| Tier 1 risk-based capital ratio | 15.6639% | 3,354 |
| Total risk-based capital ratio | 16.9152% | 3,315 |
| Memoranda: | ||
| Average total assets | $86,328,500 | 5,060 |
| Average earning assets | $74,590,000 | 5,155 |
| Average equity | $7,782,500 | 5,347 |
| Average total loans | $50,705,500 | 4,905 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9898% | 935 |
| Cost of funding earning assets | 0.7139% | 1,718 |
| Net interest margin | 4.2759% | 1,161 |
| Noninterest income to average assets | 0.6021% | 3,086 |
| Noninterest expense to average assets | 3.3924% | 1,901 |
| Loan and lease loss provision to assets | 0.1640% | 2,228 |
| Net operating income to assets | 0.6835% | 3,885 |
| Return on assets (ROA) | 0.7687% | 3,547 |
| Pretax return on assets | 0.7687% | 4,267 |
| Return on Equity (ROE) | 7.4339% | 3,341 |
| Retained earnings to average equity (ytd only) | 4.2624% | 3,143 |
| Net charge-offs to loans | 0.1537% | 3,269 |
| Credit loss provision to net charge-offs | 195.3125% | 1,177 |
| Earnings coverage of net charge-offs (x) | 10.0938% | 2,422 |
| Efficiency ratio | 77.3515% | 2,564 |
| Assets per employee ($millions) | 3.7082% | 4,460 |
| Cash dividends to net income (ytd only)* | 42.6621% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2786% | 4,254 |
| Loan loss allowance to noncurrent loans | 48.8681% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 2.6207% | 1,291 |
| Noncurrent loans to loans | 2.6164% | 1,425 |
| Net loans and leases to total assets | 59.2466% | 3,836 |
| Net loans and leases to deposits | 70.9198% | 3,663 |
| Net loans and leases to core deposits | 73.0341% | 3,939 |
| Total domestic deposits to total assets | 83.5403% | 4,346 |
| Equity capital to assets | 9.1872% | 4,818 |
| Core capital (leverage) ratio | 9.4189% | 4,386 |
| Tier 1 risk-based capital ratio | 16.7000% | 2,761 |
| Total risk-based capital ratio | 17.9518% | 2,712 |
| Memoranda: | ||
| Average total assets | $76,230,200 | 5,320 |
| Average earning assets | $64,852,400 | 5,442 |
| Average equity | $7,882,800 | 5,372 |
| Average total loans | $41,652,000 | 5,276 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0170% | 912 |
| Cost of funding earning assets | 0.7251% | 1,777 |
| Net interest margin | 4.2919% | 1,116 |
| Noninterest income to average assets | 0.4291% | 4,304 |
| Noninterest expense to average assets | 3.3505% | 1,946 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6679% | 4,027 |
| Return on assets (ROA) | 0.7566% | 3,702 |
| Pretax return on assets | 0.8083% | 4,258 |
| Return on Equity (ROE) | 7.1011% | 3,589 |
| Retained earnings to average equity (ytd only) | 4.5949% | 3,401 |
| Net charge-offs to loans | 0.1942% | 2,679 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 6.9139% | 2,883 |
| Efficiency ratio | 79.5883% | 2,163 |
| Assets per employee ($millions) | 3.7999% | 4,240 |
| Cash dividends to net income (ytd only)* | 35.2952% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 5,217 |
| Loan loss allowance to noncurrent loans | 27.4797% | 6,072 |
| Noncurrent assets plus other real estate owned to assets | 3.4162% | 1,003 |
| Noncurrent loans to loans | 4.1036% | 846 |
| Net loans and leases to total assets | 55.7089% | 4,360 |
| Net loans and leases to deposits | 66.0015% | 4,308 |
| Net loans and leases to core deposits | 67.9829% | 4,525 |
| Total domestic deposits to total assets | 84.4054% | 4,023 |
| Equity capital to assets | 9.3876% | 4,694 |
| Core capital (leverage) ratio | 9.8268% | 3,922 |
| Tier 1 risk-based capital ratio | 17.3055% | 2,582 |
| Total risk-based capital ratio | 18.4741% | 2,584 |
| Memoranda: | ||
| Average total assets | $74,892,500 | 5,406 |
| Average earning assets | $63,436,250 | 5,549 |
| Average equity | $7,979,750 | 5,394 |
| Average total loans | $39,825,000 | 5,405 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9657% | 965 |
| Cost of funding earning assets | 0.7473% | 1,728 |
| Net interest margin | 4.2184% | 1,231 |
| Noninterest income to average assets | 0.4341% | 4,287 |
| Noninterest expense to average assets | 3.3990% | 1,822 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5680% | 4,465 |
| Return on assets (ROA) | 0.7016% | 3,971 |
| Pretax return on assets | 0.7344% | 4,557 |
| Return on Equity (ROE) | 6.3124% | 3,985 |
| Retained earnings to average equity (ytd only) | 3.8562% | 3,846 |
| Net charge-offs to loans | 0.3149% | 1,928 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.6333% | 3,341 |
| Efficiency ratio | 82.1599% | 1,867 |
| Assets per employee ($millions) | 4.0956% | 3,590 |
| Cash dividends to net income (ytd only)* | 38.9105% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 4,771 |
| Loan loss allowance to noncurrent loans | 29.6362% | 6,034 |
| Noncurrent assets plus other real estate owned to assets | 3.5296% | 1,082 |
| Noncurrent loans to loans | 4.1933% | 895 |
| Net loans and leases to total assets | 54.4371% | 4,528 |
| Net loans and leases to deposits | 62.6841% | 4,664 |
| Net loans and leases to core deposits | 64.6565% | 4,826 |
| Total domestic deposits to total assets | 86.8435% | 2,915 |
| Equity capital to assets | 10.6593% | 3,107 |
| Core capital (leverage) ratio | 10.0020% | 3,515 |
| Tier 1 risk-based capital ratio | 17.8435% | 2,378 |
| Total risk-based capital ratio | 19.0663% | 2,353 |
| Memoranda: | ||
| Average total assets | $73,257,670 | 5,480 |
| Average earning assets | $61,824,670 | 5,638 |
| Average equity | $8,142,670 | 5,395 |
| Average total loans | $38,113,000 | 5,501 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9696% | 955 |
| Cost of funding earning assets | 0.7867% | 1,603 |
| Net interest margin | 4.1829% | 1,234 |
| Noninterest income to average assets | 0.3999% | 4,456 |
| Noninterest expense to average assets | 3.4508% | 1,720 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4248% | 5,028 |
| Return on assets (ROA) | 0.6902% | 3,885 |
| Pretax return on assets | 0.7230% | 4,473 |
| Return on Equity (ROE) | 6.0833% | 3,997 |
| Retained earnings to average equity (ytd only) | 3.6693% | 4,033 |
| Net charge-offs to loans | 0.2714% | 1,870 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.2400% | 2,813 |
| Efficiency ratio | 85.5134% | 1,579 |
| Assets per employee ($millions) | 3.7223% | 4,507 |
| Cash dividends to net income (ytd only)* | 39.6825% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4580% | 3,982 |
| Loan loss allowance to noncurrent loans | 29.6215% | 6,042 |
| Noncurrent assets plus other real estate owned to assets | 3.4857% | 1,222 |
| Noncurrent loans to loans | 4.9221% | 784 |
| Net loans and leases to total assets | 49.0248% | 5,109 |
| Net loans and leases to deposits | 55.8237% | 5,263 |
| Net loans and leases to core deposits | 57.5336% | 5,382 |
| Total domestic deposits to total assets | 87.8207% | 2,438 |
| Equity capital to assets | 11.1692% | 2,777 |
| Core capital (leverage) ratio | 10.0609% | 3,309 |
| Tier 1 risk-based capital ratio | 19.6793% | 1,854 |
| Total risk-based capital ratio | 20.9333% | 1,826 |
| Memoranda: | ||
| Average total assets | $73,026,500 | 5,535 |
| Average earning assets | $61,011,000 | 5,710 |
| Average equity | $8,285,000 | 5,418 |
| Average total loans | $36,851,500 | 5,581 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0941% | 1,330 |
| Cost of funding earning assets | 0.8729% | 2,118 |
| Net interest margin | 4.2213% | 1,599 |
| Noninterest income to average assets | 0.3213% | 5,162 |
| Noninterest expense to average assets | 3.3414% | 2,218 |
| Loan and lease loss provision to assets | 0.0374% | 5,415 |
| Net operating income to assets | 0.4152% | 5,034 |
| Return on assets (ROA) | 0.6979% | 4,001 |
| Pretax return on assets | 0.7143% | 4,620 |
| Return on Equity (ROE) | 5.9557% | 4,194 |
| Retained earnings to average equity (ytd only) | 5.9557% | 2,100 |
| Net charge-offs to loans | -0.5544% | 7,008 |
| Credit loss provision to net charge-offs | -15.5280% | 6,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4462% | 1,576 |
| Assets per employee ($millions) | 3.7688% | 4,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5409% | 3,566 |
| Loan loss allowance to noncurrent loans | 13.9231% | 6,507 |
| Noncurrent assets plus other real estate owned to assets | 6.6125% | 495 |
| Noncurrent loans to loans | 11.0675% | 184 |
| Net loans and leases to total assets | 50.4155% | 5,111 |
| Net loans and leases to deposits | 57.8644% | 5,250 |
| Net loans and leases to core deposits | 59.2266% | 5,431 |
| Total domestic deposits to total assets | 87.1270% | 2,759 |
| Equity capital to assets | 11.5282% | 2,419 |
| Core capital (leverage) ratio | 10.2378% | 3,084 |
| Tier 1 risk-based capital ratio | 19.5527% | 1,800 |
| Total risk-based capital ratio | 20.8073% | 1,767 |
| Memoranda: | ||
| Average total assets | $66,918,600 | 5,714 |
| Average earning assets | $55,220,600 | 5,879 |
| Average equity | $7,841,200 | 5,543 |
| Average total loans | $29,040,200 | 5,992 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0853% | 1,459 |
| Cost of funding earning assets | 0.8796% | 2,316 |
| Net interest margin | 4.2057% | 1,720 |
| Noninterest income to average assets | 0.3204% | 5,223 |
| Noninterest expense to average assets | 3.3765% | 2,067 |
| Loan and lease loss provision to assets | 0.0507% | 5,121 |
| Net operating income to assets | 0.3381% | 5,484 |
| Return on assets (ROA) | 0.7138% | 4,096 |
| Pretax return on assets | 0.7463% | 4,687 |
| Return on Equity (ROE) | 6.0653% | 4,302 |
| Retained earnings to average equity (ytd only) | 6.0653% | 2,662 |
| Net charge-offs to loans | 0.0737% | 4,674 |
| Credit loss provision to net charge-offs | 166.6667% | 1,665 |
| Earnings coverage of net charge-offs (x) | 13.3330% | 1,922 |
| Efficiency ratio | 85.7909% | 1,397 |
| Assets per employee ($millions) | 4.3043% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 5,635 |
| Loan loss allowance to noncurrent loans | 9.1940% | 6,655 |
| Noncurrent assets plus other real estate owned to assets | 7.2080% | 490 |
| Noncurrent loans to loans | 12.1854% | 163 |
| Net loans and leases to total assets | 49.8533% | 5,324 |
| Net loans and leases to deposits | 57.0837% | 5,523 |
| Net loans and leases to core deposits | 58.7512% | 5,682 |
| Total domestic deposits to total assets | 87.3337% | 2,477 |
| Equity capital to assets | 11.6309% | 2,615 |
| Core capital (leverage) ratio | 10.3503% | 3,106 |
| Tier 1 risk-based capital ratio | 19.7008% | 1,827 |
| Total risk-based capital ratio | 20.7906% | 1,843 |
| Memoranda: | ||
| Average total assets | $65,746,500 | 5,818 |
| Average earning assets | $54,115,500 | 5,993 |
| Average equity | $7,737,750 | 5,629 |
| Average total loans | $27,133,750 | 6,159 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0648% | 1,611 |
| Cost of funding earning assets | 0.8812% | 2,548 |
| Net interest margin | 4.1836% | 1,789 |
| Noninterest income to average assets | 0.3709% | 4,864 |
| Noninterest expense to average assets | 3.6133% | 1,556 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1916% | 5,938 |
| Return on assets (ROA) | 0.7511% | 3,873 |
| Pretax return on assets | 0.7511% | 4,646 |
| Return on Equity (ROE) | 6.3554% | 4,126 |
| Retained earnings to average equity (ytd only) | 6.3554% | 2,468 |
| Net charge-offs to loans | 0.1219% | 3,953 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 4.1333% | 3,168 |
| Efficiency ratio | 91.4703% | 962 |
| Assets per employee ($millions) | 3.7558% | 4,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 5,558 |
| Loan loss allowance to noncurrent loans | 54.3284% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 2.0753% | 2,694 |
| Noncurrent loans to loans | 2.1229% | 2,798 |
| Net loans and leases to total assets | 46.1445% | 5,810 |
| Net loans and leases to deposits | 52.9877% | 5,954 |
| Net loans and leases to core deposits | 54.5614% | 6,055 |
| Total domestic deposits to total assets | 87.0853% | 2,729 |
| Equity capital to assets | 11.8157% | 2,300 |
| Core capital (leverage) ratio | 10.5625% | 2,744 |
| Tier 1 risk-based capital ratio | 20.3353% | 1,630 |
| Total risk-based capital ratio | 21.4079% | 1,637 |
| Memoranda: | ||
| Average total assets | $64,706,000 | 5,895 |
| Average earning assets | $53,111,670 | 6,057 |
| Average equity | $7,647,000 | 5,674 |
| Average total loans | $24,604,330 | 6,340 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8911% | 2,281 |
| Cost of funding earning assets | 0.8963% | 2,724 |
| Net interest margin | 3.9948% | 2,528 |
| Noninterest income to average assets | 0.3415% | 5,121 |
| Noninterest expense to average assets | 3.3831% | 2,047 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2276% | 5,893 |
| Return on assets (ROA) | 0.3288% | 5,725 |
| Pretax return on assets | 0.3288% | 5,911 |
| Return on Equity (ROE) | 2.7821% | 5,794 |
| Retained earnings to average equity (ytd only) | 2.7821% | 4,866 |
| Net charge-offs to loans | 0.3976% | 2,108 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.7143% | 3,474 |
| Efficiency ratio | 89.8424% | 1,112 |
| Assets per employee ($millions) | 3.5517% | 4,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5987% | 3,723 |
| Loan loss allowance to noncurrent loans | 51.8090% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 2.3572% | 2,522 |
| Noncurrent loans to loans | 3.0858% | 2,074 |
| Net loans and leases to total assets | 34.4668% | 6,713 |
| Net loans and leases to deposits | 39.3806% | 6,766 |
| Net loans and leases to core deposits | 40.6070% | 6,799 |
| Total domestic deposits to total assets | 87.5225% | 2,637 |
| Equity capital to assets | 11.6673% | 2,289 |
| Core capital (leverage) ratio | 10.7387% | 2,512 |
| Tier 1 risk-based capital ratio | 20.1798% | 1,662 |
| Total risk-based capital ratio | 21.2598% | 1,679 |
| Memoranda: | ||
| Average total assets | $63,256,500 | 5,976 |
| Average earning assets | $51,767,000 | 6,137 |
| Average equity | $7,476,500 | 5,744 |
| Average total loans | $21,126,500 | 6,552 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3412% | 5,628 |
| Cost of funding earning assets | 1.1559% | 2,312 |
| Net interest margin | 3.1853% | 6,138 |
| Noninterest income to average assets | 0.2770% | 5,550 |
| Noninterest expense to average assets | 3.4449% | 2,131 |
| Loan and lease loss provision to assets | 0.1583% | 4,653 |
| Net operating income to assets | -0.6997% | 6,608 |
| Return on assets (ROA) | -0.3641% | 6,442 |
| Pretax return on assets | -0.3641% | 6,399 |
| Return on Equity (ROE) | -3.7310% | 6,456 |
| Retained earnings to average equity (ytd only) | -3.7310% | 6,348 |
| Net charge-offs to loans | 0.5694% | 2,744 |
| Credit loss provision to net charge-offs | 88.4956% | 4,080 |
| Earnings coverage of net charge-offs (x) | -3.0265% | 6,324 |
| Efficiency ratio | 113.9586% | 366 |
| Assets per employee ($millions) | 3.6813% | 4,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9084% | 2,543 |
| Loan loss allowance to noncurrent loans | 42.7765% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 2.6845% | 2,267 |
| Noncurrent loans to loans | 4.4612% | 1,341 |
| Net loans and leases to total assets | 31.1288% | 6,972 |
| Net loans and leases to deposits | 35.8918% | 7,004 |
| Net loans and leases to core deposits | 37.0389% | 7,015 |
| Total domestic deposits to total assets | 86.7294% | 2,904 |
| Equity capital to assets | 11.9747% | 2,148 |
| Core capital (leverage) ratio | 10.5507% | 2,663 |
| Tier 1 risk-based capital ratio | 20.5608% | 1,507 |
| Total risk-based capital ratio | 21.7390% | 1,498 |
| Memoranda: | ||
| Average total assets | $63,165,600 | 5,949 |
| Average earning assets | $52,082,200 | 6,121 |
| Average equity | $6,164,600 | 6,112 |
| Average total loans | $19,845,400 | 6,663 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1568% | 6,299 |
| Cost of funding earning assets | 1.2092% | 2,263 |
| Net interest margin | 2.9476% | 6,672 |
| Noninterest income to average assets | 0.2485% | 5,841 |
| Noninterest expense to average assets | 3.5232% | 1,879 |
| Loan and lease loss provision to assets | 0.2106% | 3,920 |
| Net operating income to assets | -1.0572% | 6,908 |
| Return on assets (ROA) | -0.6107% | 6,743 |
| Pretax return on assets | -0.6107% | 6,682 |
| Return on Equity (ROE) | -6.6297% | 6,748 |
| Retained earnings to average equity (ytd only) | -6.6297% | 6,679 |
| Net charge-offs to loans | 0.7795% | 1,997 |
| Credit loss provision to net charge-offs | 86.2069% | 3,914 |
| Earnings coverage of net charge-offs (x) | -3.4656% | 6,074 |
| Efficiency ratio | 126.5146% | 254 |
| Assets per employee ($millions) | 3.8097% | 4,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9495% | 2,476 |
| Loan loss allowance to noncurrent loans | 40.0000% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 2.9707% | 2,163 |
| Noncurrent loans to loans | 4.8737% | 1,302 |
| Net loans and leases to total assets | 29.1994% | 7,110 |
| Net loans and leases to deposits | 32.7935% | 7,159 |
| Net loans and leases to core deposits | 33.7733% | 7,169 |
| Total domestic deposits to total assets | 89.0404% | 1,411 |
| Equity capital to assets | 9.6178% | 4,910 |
| Core capital (leverage) ratio | 8.1473% | 6,209 |
| Tier 1 risk-based capital ratio | 16.5731% | 2,829 |
| Total risk-based capital ratio | 17.7524% | 2,827 |
| Memoranda: | ||
| Average total assets | $63,311,500 | 5,989 |
| Average earning assets | $52,153,750 | 6,167 |
| Average equity | $5,832,250 | 6,243 |
| Average total loans | $19,841,750 | 6,735 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1722% | 6,342 |
| Cost of funding earning assets | 1.2253% | 2,409 |
| Net interest margin | 2.9469% | 6,700 |
| Noninterest income to average assets | 0.0891% | 6,882 |
| Noninterest expense to average assets | 3.4571% | 2,101 |
| Loan and lease loss provision to assets | 0.0796% | 5,316 |
| Net operating income to assets | -1.0282% | 6,947 |
| Return on assets (ROA) | -0.8659% | 6,900 |
| Pretax return on assets | -0.8659% | 6,850 |
| Return on Equity (ROE) | -9.5439% | 6,923 |
| Retained earnings to average equity (ytd only) | -9.5439% | 6,859 |
| Net charge-offs to loans | 0.3495% | 3,154 |
| Credit loss provision to net charge-offs | 71.4286% | 4,019 |
| Earnings coverage of net charge-offs (x) | -8.5143% | 5,823 |
| Efficiency ratio | 132.3604% | 238 |
| Assets per employee ($millions) | 3.8408% | 4,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9913% | 2,397 |
| Loan loss allowance to noncurrent loans | 27.5812% | 6,403 |
| Noncurrent assets plus other real estate owned to assets | 3.8656% | 1,674 |
| Noncurrent loans to loans | 7.2199% | 694 |
| Net loans and leases to total assets | 28.7944% | 7,218 |
| Net loans and leases to deposits | 32.0929% | 7,270 |
| Net loans and leases to core deposits | 33.0311% | 7,276 |
| Total domestic deposits to total assets | 89.7219% | 1,111 |
| Equity capital to assets | 9.1632% | 5,335 |
| Core capital (leverage) ratio | 8.2102% | 6,014 |
| Tier 1 risk-based capital ratio | 17.6654% | 2,280 |
| Total risk-based capital ratio | 18.9167% | 2,248 |
| Memoranda: | ||
| Average total assets | $62,827,000 | 6,058 |
| Average earning assets | $51,579,330 | 6,232 |
| Average equity | $5,700,000 | 6,318 |
| Average total loans | $20,026,670 | 6,786 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1381% | 6,422 |
| Cost of funding earning assets | 1.2335% | 2,609 |
| Net interest margin | 2.9046% | 6,753 |
| Noninterest income to average assets | -0.1818% | 7,427 |
| Noninterest expense to average assets | 3.6108% | 1,749 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.4222% | 7,171 |
| Return on assets (ROA) | -1.3963% | 7,167 |
| Pretax return on assets | -1.3963% | 7,126 |
| Return on Equity (ROE) | -15.4718% | 7,155 |
| Retained earnings to average equity (ytd only) | -15.4718% | 7,058 |
| Net charge-offs to loans | 0.6455% | 1,914 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -6.6364% | 5,041 |
| Efficiency ratio | 158.4570% | 128 |
| Assets per employee ($millions) | 4.2030% | 3,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8319% | 2,915 |
| Loan loss allowance to noncurrent loans | 21.5099% | 6,707 |
| Noncurrent assets plus other real estate owned to assets | 4.6491% | 1,383 |
| Noncurrent loans to loans | 8.5166% | 548 |
| Net loans and leases to total assets | 30.5147% | 7,215 |
| Net loans and leases to deposits | 33.8477% | 7,276 |
| Net loans and leases to core deposits | 34.5659% | 7,296 |
| Total domestic deposits to total assets | 90.1531% | 1,058 |
| Equity capital to assets | 8.8524% | 5,417 |
| Core capital (leverage) ratio | 8.3080% | 5,793 |
| Tier 1 risk-based capital ratio | 17.1584% | 2,416 |
| Total risk-based capital ratio | 18.3746% | 2,402 |
| Memoranda: | ||
| Average total assets | $61,593,500 | 6,135 |
| Average earning assets | $50,265,000 | 6,334 |
| Average equity | $5,558,500 | 6,378 |
| Average total loans | $20,448,500 | 6,813 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5053% | 6,390 |
| Cost of funding earning assets | 1.2483% | 4,228 |
| Net interest margin | 3.2570% | 6,111 |
| Noninterest income to average assets | 0.3194% | 5,506 |
| Noninterest expense to average assets | 11.3038% | 69 |
| Loan and lease loss provision to assets | 0.5677% | 2,858 |
| Net operating income to assets | -9.0361% | 7,632 |
| Return on assets (ROA) | -8.9301% | 7,631 |
| Pretax return on assets | -8.9301% | 7,633 |
| Return on Equity (ROE) | -59.7948% | 7,484 |
| Retained earnings to average equity (ytd only) | -59.7948% | 7,481 |
| Net charge-offs to loans | -0.0620% | 7,464 |
| Credit loss provision to net charge-offs | -2,205.8824% | 7,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 152.2157% | 203 |
| Assets per employee ($millions) | 4.0095% | 3,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8404% | 2,717 |
| Loan loss allowance to noncurrent loans | 27.2222% | 6,466 |
| Noncurrent assets plus other real estate owned to assets | 4.7903% | 1,361 |
| Noncurrent loans to loans | 6.7606% | 854 |
| Net loans and leases to total assets | 34.7644% | 7,205 |
| Net loans and leases to deposits | 38.7954% | 7,288 |
| Net loans and leases to core deposits | 39.6608% | 7,311 |
| Total domestic deposits to total assets | 89.6096% | 1,318 |
| Equity capital to assets | 9.2049% | 4,834 |
| Core capital (leverage) ratio | 8.2078% | 5,813 |
| Tier 1 risk-based capital ratio | 16.3149% | 2,610 |
| Total risk-based capital ratio | 17.5917% | 2,558 |
| Memoranda: | ||
| Average total assets | $66,057,600 | 5,999 |
| Average earning assets | $51,029,000 | 6,325 |
| Average equity | $9,865,400 | 5,171 |
| Average total loans | $27,437,800 | 6,531 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5833% | 6,381 |
| Cost of funding earning assets | 1.2246% | 4,716 |
| Net interest margin | 3.3587% | 5,811 |
| Noninterest income to average assets | 0.3514% | 5,360 |
| Noninterest expense to average assets | 4.4202% | 652 |
| Loan and lease loss provision to assets | 0.6910% | 2,217 |
| Net operating income to assets | -2.1933% | 7,282 |
| Return on assets (ROA) | -2.0551% | 7,271 |
| Pretax return on assets | -2.0551% | 7,213 |
| Return on Equity (ROE) | -12.6781% | 7,039 |
| Retained earnings to average equity (ytd only) | -12.6781% | 7,000 |
| Net charge-offs to loans | 0.0046% | 6,605 |
| Credit loss provision to net charge-offs | 35,000.0000% | 8 |
| Earnings coverage of net charge-offs (x) | -762.8872% | 6,671 |
| Efficiency ratio | 148.3085% | 210 |
| Assets per employee ($millions) | 3.8386% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4570% | 4,173 |
| Loan loss allowance to noncurrent loans | 14.5781% | 7,083 |
| Noncurrent assets plus other real estate owned to assets | 4.9237% | 1,319 |
| Noncurrent loans to loans | 9.9946% | 422 |
| Net loans and leases to total assets | 36.1714% | 7,258 |
| Net loans and leases to deposits | 43.8304% | 7,248 |
| Net loans and leases to core deposits | 44.3851% | 7,307 |
| Total domestic deposits to total assets | 82.5257% | 4,787 |
| Equity capital to assets | 15.9679% | 683 |
| Core capital (leverage) ratio | 8.6396% | 5,284 |
| Tier 1 risk-based capital ratio | 16.2236% | 2,660 |
| Total risk-based capital ratio | 17.2925% | 2,692 |
| Memoranda: | ||
| Average total assets | $67,536,500 | 6,012 |
| Average earning assets | $51,605,750 | 6,379 |
| Average equity | $10,947,750 | 4,941 |
| Average total loans | $28,972,250 | 6,533 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6132% | 6,421 |
| Cost of funding earning assets | 1.2070% | 5,085 |
| Net interest margin | 3.4063% | 5,620 |
| Noninterest income to average assets | 0.3631% | 5,238 |
| Noninterest expense to average assets | 4.2550% | 758 |
| Loan and lease loss provision to assets | 0.7321% | 1,981 |
| Net operating income to assets | -2.0206% | 7,310 |
| Return on assets (ROA) | -1.8156% | 7,264 |
| Pretax return on assets | -1.8156% | 7,178 |
| Return on Equity (ROE) | -11.1474% | 7,006 |
| Retained earnings to average equity (ytd only) | -11.1474% | 6,960 |
| Net charge-offs to loans | -0.0065% | 7,144 |
| Credit loss provision to net charge-offs | -25,000.0000% | 7,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.9674% | 249 |
| Assets per employee ($millions) | 3.3737% | 5,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9749% | 6,503 |
| Loan loss allowance to noncurrent loans | 8.9579% | 7,275 |
| Noncurrent assets plus other real estate owned to assets | 4.4743% | 1,488 |
| Noncurrent loans to loans | 10.8828% | 372 |
| Net loans and leases to total assets | 37.7864% | 7,276 |
| Net loans and leases to deposits | 45.5294% | 7,271 |
| Net loans and leases to core deposits | 46.0807% | 7,353 |
| Total domestic deposits to total assets | 82.9934% | 4,581 |
| Equity capital to assets | 15.8995% | 687 |
| Core capital (leverage) ratio | 9.1936% | 4,308 |
| Tier 1 risk-based capital ratio | 16.6935% | 2,404 |
| Total risk-based capital ratio | 17.4290% | 2,553 |
| Memoranda: | ||
| Average total assets | $68,296,670 | 6,021 |
| Average earning assets | $52,197,670 | 6,401 |
| Average equity | $11,123,670 | 4,899 |
| Average total loans | $30,645,330 | 6,489 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0768% | 4,642 |
| Cost of funding earning assets | 1.1821% | 5,499 |
| Net interest margin | 3.8948% | 3,354 |
| Noninterest income to average assets | 0.1863% | 6,625 |
| Noninterest expense to average assets | 3.8889% | 1,184 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.7103% | 6,958 |
| Return on assets (ROA) | -0.4890% | 6,844 |
| Pretax return on assets | -0.4890% | 6,773 |
| Return on Equity (ROE) | -2.9678% | 6,737 |
| Retained earnings to average equity (ytd only) | -2.9678% | 6,359 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.9634% | 441 |
| Assets per employee ($millions) | 3.7005% | 4,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,860 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,410 |
| Noncurrent assets plus other real estate owned to assets | 5.3641% | 1,166 |
| Noncurrent loans to loans | 8.5790% | 597 |
| Net loans and leases to total assets | 48.8417% | 6,587 |
| Net loans and leases to deposits | 59.6323% | 6,501 |
| Net loans and leases to core deposits | 60.3704% | 6,718 |
| Total domestic deposits to total assets | 81.9048% | 5,115 |
| Equity capital to assets | 16.9031% | 545 |
| Core capital (leverage) ratio | 9.7770% | 3,425 |
| Tier 1 risk-based capital ratio | 15.5993% | 2,831 |
| Total risk-based capital ratio | 15.5993% | 3,427 |
| Memoranda: | ||
| Average total assets | $68,708,000 | 6,083 |
| Average earning assets | $52,789,000 | 6,445 |
| Average equity | $11,321,500 | 4,894 |
| Average total loans | $33,094,500 | 6,460 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8144% | 7,981 |
| Cost of funding earning assets | 0.2146% | 7,935 |
| Net interest margin | 0.5998% | 7,961 |
| Noninterest income to average assets | 0.0748% | 7,382 |
| Noninterest expense to average assets | 0.7734% | 7,967 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.2598% | 5,911 |
| Return on assets (ROA) | -0.2025% | 5,836 |
| Pretax return on assets | -0.2025% | 5,706 |
| Return on Equity (ROE) | -2.3755% | 5,906 |
| Retained earnings to average equity (ytd only) | -2.3755% | 5,590 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.1429% | 372 |
| Assets per employee ($millions) | 3.9337% | 3,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,932 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,444 |
| Noncurrent assets plus other real estate owned to assets | 5.0080% | 1,229 |
| Noncurrent loans to loans | 7.0626% | 790 |
| Net loans and leases to total assets | 47.5320% | 6,841 |
| Net loans and leases to deposits | 57.3952% | 6,819 |
| Net loans and leases to core deposits | 75.6706% | 6,424 |
| Total domestic deposits to total assets | 82.8153% | 4,601 |
| Equity capital to assets | 16.0775% | 688 |
| Core capital (leverage) ratio | 9.9323% | 3,157 |
| Tier 1 risk-based capital ratio | 16.0818% | 2,483 |
| Total risk-based capital ratio | 16.0818% | 2,985 |
| Memoranda: | ||
| Average total assets | $68,137,200 | 6,070 |
| Average earning assets | $49,850,800 | 6,535 |
| Average equity | $5,809,200 | 6,665 |
| Average total loans | $43,494,600 | 5,955 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2570% | 1,219 |
| Cost of funding earning assets | 3.0491% | 283 |
| Net interest margin | 3.2079% | 5,990 |
| Noninterest income to average assets | -0.1601% | 7,955 |
| Noninterest expense to average assets | 3.3891% | 2,612 |
| Loan and lease loss provision to assets | 3.9523% | 309 |
| Net operating income to assets | -3.2779% | 7,645 |
| Return on assets (ROA) | -3.2488% | 7,643 |
| Pretax return on assets | -5.1419% | 7,828 |
| Return on Equity (ROE) | -49.6422% | 7,828 |
| Retained earnings to average equity (ytd only) | -49.6422% | 7,825 |
| Net charge-offs to loans | 4.7669% | 253 |
| Credit loss provision to net charge-offs | 121.7285% | 4,165 |
| Earnings coverage of net charge-offs (x) | -0.3804% | 6,413 |
| Efficiency ratio | 157.3394% | 280 |
| Assets per employee ($millions) | 3.4823% | 4,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4058% | 223 |
| Loan loss allowance to noncurrent loans | 32.4828% | 6,270 |
| Noncurrent assets plus other real estate owned to assets | 11.9491% | 229 |
| Noncurrent loans to loans | 13.5636% | 198 |
| Net loans and leases to total assets | 60.5359% | 5,495 |
| Net loans and leases to deposits | 65.0528% | 6,395 |
| Net loans and leases to core deposits | 84.6250% | 5,991 |
| Total domestic deposits to total assets | 93.0566% | 83 |
| Equity capital to assets | 5.9942% | 7,862 |
| Core capital (leverage) ratio | 3.7223% | 7,997 |
| Tier 1 risk-based capital ratio | 4.9632% | 7,998 |
| Total risk-based capital ratio | 6.2459% | 8,000 |
| Memoranda: | ||
| Average total assets | $67,469,750 | 6,126 |
| Average earning assets | $48,669,500 | 6,625 |
| Average equity | $4,415,500 | 7,209 |
| Average total loans | $45,954,250 | 5,887 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5068% | 813 |
| Cost of funding earning assets | 3.2034% | 264 |
| Net interest margin | 3.3034% | 5,540 |
| Noninterest income to average assets | -0.3799% | 8,108 |
| Noninterest expense to average assets | 3.3665% | 2,736 |
| Loan and lease loss provision to assets | 5.8906% | 147 |
| Net operating income to assets | -4.5703% | 7,901 |
| Return on assets (ROA) | -4.5269% | 7,894 |
| Pretax return on assets | -7.1364% | 8,031 |
| Return on Equity (ROE) | -67.3336% | 8,010 |
| Retained earnings to average equity (ytd only) | -67.3336% | 8,004 |
| Net charge-offs to loans | 6.4981% | 152 |
| Credit loss provision to net charge-offs | 130.1236% | 3,574 |
| Earnings coverage of net charge-offs (x) | -0.2902% | 5,945 |
| Efficiency ratio | 163.9885% | 309 |
| Assets per employee ($millions) | 3.3396% | 5,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3845% | 189 |
| Loan loss allowance to noncurrent loans | 64.7644% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 7.7719% | 499 |
| Noncurrent loans to loans | 6.7700% | 749 |
| Net loans and leases to total assets | 63.7322% | 5,038 |
| Net loans and leases to deposits | 68.3626% | 6,149 |
| Net loans and leases to core deposits | 89.2448% | 5,603 |
| Total domestic deposits to total assets | 93.2267% | 85 |
| Equity capital to assets | 5.8600% | 7,952 |
| Core capital (leverage) ratio | 3.7379% | 8,105 |
| Tier 1 risk-based capital ratio | 5.0252% | 8,101 |
| Total risk-based capital ratio | 6.3083% | 8,104 |
| Memoranda: | ||
| Average total assets | $67,905,000 | 6,158 |
| Average earning assets | $50,009,330 | 6,631 |
| Average equity | $4,565,330 | 7,219 |
| Average total loans | $47,306,000 | 5,871 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7358% | 546 |
| Cost of funding earning assets | 3.1972% | 347 |
| Net interest margin | 3.5386% | 4,571 |
| Noninterest income to average assets | 0.7011% | 2,885 |
| Noninterest expense to average assets | 3.2076% | 2,956 |
| Loan and lease loss provision to assets | 5.2584% | 151 |
| Net operating income to assets | -3.2177% | 7,876 |
| Return on assets (ROA) | -3.1317% | 7,866 |
| Pretax return on assets | -4.9663% | 7,983 |
| Return on Equity (ROE) | -43.8356% | 8,019 |
| Retained earnings to average equity (ytd only) | -43.8356% | 8,001 |
| Net charge-offs to loans | 4.0412% | 297 |
| Credit loss provision to net charge-offs | 182.9268% | 2,374 |
| Earnings coverage of net charge-offs (x) | 0.0549% | 4,932 |
| Efficiency ratio | 95.3125% | 1,360 |
| Assets per employee ($millions) | 3.5069% | 4,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9745% | 228 |
| Loan loss allowance to noncurrent loans | 57.9414% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 6.8466% | 512 |
| Noncurrent loans to loans | 6.8596% | 602 |
| Net loans and leases to total assets | 65.3464% | 4,740 |
| Net loans and leases to deposits | 70.5314% | 5,930 |
| Net loans and leases to core deposits | 91.7668% | 5,368 |
| Total domestic deposits to total assets | 92.6487% | 108 |
| Equity capital to assets | 6.4716% | 7,882 |
| Core capital (leverage) ratio | 5.4898% | 8,081 |
| Tier 1 risk-based capital ratio | 7.1551% | 8,083 |
| Total risk-based capital ratio | 8.4349% | 8,092 |
| Memoranda: | ||
| Average total assets | $68,461,500 | 6,159 |
| Average earning assets | $51,545,500 | 6,593 |
| Average equity | $4,891,000 | 7,153 |
| Average total loans | $48,699,000 | 5,856 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2073% | 729 |
| Cost of funding earning assets | 3.2370% | 1,076 |
| Net interest margin | 3.9703% | 3,270 |
| Noninterest income to average assets | 0.4244% | 5,266 |
| Noninterest expense to average assets | 3.3820% | 2,725 |
| Loan and lease loss provision to assets | 2.5522% | 403 |
| Net operating income to assets | -1.2823% | 7,378 |
| Return on assets (ROA) | -2.7608% | 7,743 |
| Pretax return on assets | -4.4087% | 7,956 |
| Return on Equity (ROE) | -30.3297% | 7,967 |
| Retained earnings to average equity (ytd only) | -31.4513% | 7,936 |
| Net charge-offs to loans | 1.6954% | 652 |
| Credit loss provision to net charge-offs | 201.1494% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.3575% | 6,018 |
| Efficiency ratio | 88.1749% | 1,664 |
| Assets per employee ($millions) | 3.0357% | 5,967 |
| Cash dividends to net income (ytd only)* | -3.6978% | 7,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9978% | 434 |
| Loan loss allowance to noncurrent loans | 48.4070% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 6.8937% | 385 |
| Noncurrent loans to loans | 6.1930% | 548 |
| Net loans and leases to total assets | 72.1409% | 3,553 |
| Net loans and leases to deposits | 79.1692% | 5,172 |
| Net loans and leases to core deposits | 102.3495% | 4,572 |
| Total domestic deposits to total assets | 91.1224% | 293 |
| Equity capital to assets | 7.8504% | 7,044 |
| Core capital (leverage) ratio | 6.8840% | 7,773 |
| Tier 1 risk-based capital ratio | 8.0490% | 8,079 |
| Total risk-based capital ratio | 9.3170% | 8,111 |
| Memoranda: | ||
| Average total assets | $68,568,200 | 6,075 |
| Average earning assets | $58,912,400 | 6,224 |
| Average equity | $6,241,400 | 6,720 |
| Average total loans | $51,315,800 | 5,652 |