Home > Southern Bank & Trust > Performance and Condition Ratios
Southern Bank & Trust, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8050% | 217 |
| Cost of funding earning assets | 1.1980% | 777 |
| Net interest margin | 4.6071% | 406 |
| Noninterest income to average assets | 0.4485% | 2,799 |
| Noninterest expense to average assets | 8.5321% | 89 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -3.0527% | 5,073 |
| Return on assets (ROA) | -3.0278% | 5,063 |
| Pretax return on assets | -3.8777% | 5,067 |
| Return on Equity (ROE) | -35.6190% | 5,091 |
| Retained earnings to average equity (ytd only) | -35.6190% | 5,060 |
| Net charge-offs to loans | 0.0397% | 1,642 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -124.4444% | 2,572 |
| Efficiency ratio | 184.5602% | 31 |
| Assets per employee ($millions) | 6.1558% | 1,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2122% | 2,600 |
| Loan loss allowance to noncurrent loans | 172.5413% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.5580% | 2,321 |
| Noncurrent loans to loans | 0.7026% | 2,243 |
| Net loans and leases to total assets | 78.4662% | 909 |
| Net loans and leases to deposits | 88.2636% | 1,729 |
| Net loans and leases to core deposits | 97.9110% | 1,634 |
| Total domestic deposits to total assets | 88.8999% | 706 |
| Equity capital to assets | 8.1356% | 4,944 |
| Core capital (leverage) ratio | 8.0223% | 4,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6993% | 3,182 |
| Memoranda: | ||
| Average total assets | $229,206,000 | 2,638 |
| Average earning assets | $207,681,500 | 2,682 |
| Average equity | $19,484,000 | 3,218 |
| Average total loans | $181,571,000 | 2,344 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6351% | 445 |
| Cost of funding earning assets | 1.1440% | 1,173 |
| Net interest margin | 4.4911% | 728 |
| Noninterest income to average assets | 0.4668% | 2,920 |
| Noninterest expense to average assets | 3.0066% | 1,996 |
| Loan and lease loss provision to assets | 0.0164% | 3,693 |
| Net operating income to assets | 1.2908% | 1,727 |
| Return on assets (ROA) | 1.2956% | 1,780 |
| Pretax return on assets | 1.6722% | 1,267 |
| Return on Equity (ROE) | 14.5820% | 778 |
| Retained earnings to average equity (ytd only) | 12.9466% | 169 |
| Net charge-offs to loans | 0.0059% | 3,469 |
| Credit loss provision to net charge-offs | 350.0000% | 795 |
| Earnings coverage of net charge-offs (x) | 360.1000% | 246 |
| Efficiency ratio | 64.1192% | 3,057 |
| Assets per employee ($millions) | 5.7662% | 1,820 |
| Cash dividends to net income (ytd only)* | 11.2153% | 3,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2133% | 2,359 |
| Loan loss allowance to noncurrent loans | 224.2394% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.4275% | 2,683 |
| Noncurrent loans to loans | 0.5411% | 2,555 |
| Net loans and leases to total assets | 78.0498% | 1,077 |
| Net loans and leases to deposits | 88.0664% | 1,837 |
| Net loans and leases to core deposits | 97.8683% | 1,741 |
| Total domestic deposits to total assets | 88.6260% | 825 |
| Equity capital to assets | 8.8611% | 4,763 |
| Core capital (leverage) ratio | 8.8591% | 4,632 |
| Tier 1 risk-based capital ratio | 11.3715% | 4,699 |
| Total risk-based capital ratio | 12.6160% | 4,577 |
| Memoranda: | ||
| Average total assets | $214,030,400 | 2,717 |
| Average earning assets | $201,221,600 | 2,699 |
| Average equity | $19,016,600 | 3,221 |
| Average total loans | $169,775,000 | 2,410 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6371% | 462 |
| Cost of funding earning assets | 1.1134% | 1,295 |
| Net interest margin | 4.5237% | 732 |
| Noninterest income to average assets | 0.4587% | 2,966 |
| Noninterest expense to average assets | 3.0729% | 1,773 |
| Loan and lease loss provision to assets | 0.0222% | 3,468 |
| Net operating income to assets | 1.2501% | 2,017 |
| Return on assets (ROA) | 1.2566% | 2,078 |
| Pretax return on assets | 1.6333% | 1,519 |
| Return on Equity (ROE) | 14.1323% | 953 |
| Retained earnings to average equity (ytd only) | 14.1323% | 200 |
| Net charge-offs to loans | 0.0048% | 3,223 |
| Credit loss provision to net charge-offs | 583.3333% | 557 |
| Earnings coverage of net charge-offs (x) | 432.1563% | 231 |
| Efficiency ratio | 65.1009% | 2,841 |
| Assets per employee ($millions) | 5.2220% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 2,173 |
| Loan loss allowance to noncurrent loans | 223.1855% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 2,759 |
| Noncurrent loans to loans | 0.5647% | 2,603 |
| Net loans and leases to total assets | 77.2532% | 1,272 |
| Net loans and leases to deposits | 87.5028% | 1,996 |
| Net loans and leases to core deposits | 96.4826% | 1,961 |
| Total domestic deposits to total assets | 88.2866% | 919 |
| Equity capital to assets | 8.8788% | 4,835 |
| Core capital (leverage) ratio | 9.0805% | 4,573 |
| Tier 1 risk-based capital ratio | 11.6252% | 4,603 |
| Total risk-based capital ratio | 12.8754% | 4,505 |
| Memoranda: | ||
| Average total assets | $209,875,750 | 2,781 |
| Average earning assets | $197,707,500 | 2,750 |
| Average equity | $18,661,250 | 3,285 |
| Average total loans | $166,660,750 | 2,469 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5510% | 514 |
| Cost of funding earning assets | 1.0713% | 1,416 |
| Net interest margin | 4.4797% | 806 |
| Noninterest income to average assets | 0.4791% | 2,790 |
| Noninterest expense to average assets | 3.1280% | 1,664 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2363% | 2,021 |
| Return on assets (ROA) | 1.2440% | 2,040 |
| Pretax return on assets | 1.6079% | 1,523 |
| Return on Equity (ROE) | 13.9833% | 986 |
| Retained earnings to average equity (ytd only) | 13.9833% | 230 |
| Net charge-offs to loans | 0.0061% | 2,933 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 327.6000% | 240 |
| Efficiency ratio | 66.1850% | 2,788 |
| Assets per employee ($millions) | 5.0290% | 2,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 2,316 |
| Loan loss allowance to noncurrent loans | 208.1107% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.4846% | 2,606 |
| Noncurrent loans to loans | 0.5946% | 2,489 |
| Net loans and leases to total assets | 80.4950% | 805 |
| Net loans and leases to deposits | 91.0612% | 1,615 |
| Net loans and leases to core deposits | 100.8569% | 1,643 |
| Total domestic deposits to total assets | 88.3966% | 924 |
| Equity capital to assets | 8.8454% | 4,881 |
| Core capital (leverage) ratio | 9.0979% | 4,554 |
| Tier 1 risk-based capital ratio | 11.3537% | 4,766 |
| Total risk-based capital ratio | 12.6040% | 4,655 |
| Memoranda: | ||
| Average total assets | $204,985,670 | 2,828 |
| Average earning assets | $194,342,000 | 2,786 |
| Average equity | $18,236,000 | 3,328 |
| Average total loans | $163,653,330 | 2,498 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4437% | 576 |
| Cost of funding earning assets | 1.0385% | 1,415 |
| Net interest margin | 4.4052% | 890 |
| Noninterest income to average assets | 0.5056% | 2,522 |
| Noninterest expense to average assets | 3.1140% | 1,706 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2159% | 2,002 |
| Return on assets (ROA) | 1.2159% | 2,050 |
| Pretax return on assets | 1.5791% | 1,524 |
| Return on Equity (ROE) | 13.6256% | 1,047 |
| Retained earnings to average equity (ytd only) | 13.6256% | 385 |
| Net charge-offs to loans | 0.0153% | 2,178 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 131.1667% | 558 |
| Efficiency ratio | 66.3531% | 2,889 |
| Assets per employee ($millions) | 5.0028% | 2,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3665% | 1,801 |
| Loan loss allowance to noncurrent loans | 196.9286% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.5397% | 2,483 |
| Noncurrent loans to loans | 0.6939% | 2,285 |
| Net loans and leases to total assets | 76.7164% | 1,366 |
| Net loans and leases to deposits | 86.3791% | 2,090 |
| Net loans and leases to core deposits | 95.8377% | 1,942 |
| Total domestic deposits to total assets | 88.8135% | 955 |
| Equity capital to assets | 8.8775% | 4,767 |
| Core capital (leverage) ratio | 9.2216% | 4,447 |
| Tier 1 risk-based capital ratio | 12.0149% | 4,448 |
| Total risk-based capital ratio | 13.2670% | 4,342 |
| Memoranda: | ||
| Average total assets | $199,355,000 | 2,907 |
| Average earning assets | $189,505,000 | 2,858 |
| Average equity | $17,790,000 | 3,369 |
| Average total loans | $157,355,500 | 2,598 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2821% | 601 |
| Cost of funding earning assets | 0.7033% | 2,072 |
| Net interest margin | 4.5788% | 634 |
| Noninterest income to average assets | 0.4648% | 3,022 |
| Noninterest expense to average assets | 3.2179% | 1,509 |
| Loan and lease loss provision to assets | 0.0726% | 2,681 |
| Net operating income to assets | 1.2224% | 2,076 |
| Return on assets (ROA) | 1.2228% | 2,067 |
| Pretax return on assets | 1.5798% | 1,526 |
| Return on Equity (ROE) | 13.4465% | 1,195 |
| Retained earnings to average equity (ytd only) | 11.5653% | 369 |
| Net charge-offs to loans | 0.0430% | 2,553 |
| Credit loss provision to net charge-offs | 206.2500% | 1,398 |
| Earnings coverage of net charge-offs (x) | 46.9219% | 1,179 |
| Efficiency ratio | 66.0793% | 2,864 |
| Assets per employee ($millions) | 4.8399% | 2,685 |
| Cash dividends to net income (ytd only)* | 13.9901% | 3,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4087% | 1,600 |
| Loan loss allowance to noncurrent loans | 193.6227% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.5832% | 2,290 |
| Noncurrent loans to loans | 0.7276% | 2,172 |
| Net loans and leases to total assets | 79.0249% | 1,093 |
| Net loans and leases to deposits | 89.1103% | 1,916 |
| Net loans and leases to core deposits | 96.8677% | 1,976 |
| Total domestic deposits to total assets | 88.6821% | 988 |
| Equity capital to assets | 8.9728% | 4,603 |
| Core capital (leverage) ratio | 9.3611% | 4,284 |
| Tier 1 risk-based capital ratio | 11.9741% | 4,438 |
| Total risk-based capital ratio | 13.2270% | 4,332 |
| Memoranda: | ||
| Average total assets | $181,795,000 | 3,038 |
| Average earning assets | $174,891,800 | 2,982 |
| Average equity | $16,532,200 | 3,457 |
| Average total loans | $148,739,000 | 2,658 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2366% | 582 |
| Cost of funding earning assets | 0.6400% | 2,208 |
| Net interest margin | 4.5966% | 601 |
| Noninterest income to average assets | 0.4741% | 3,020 |
| Noninterest expense to average assets | 3.2236% | 1,473 |
| Loan and lease loss provision to assets | 0.0239% | 3,545 |
| Net operating income to assets | 1.3011% | 1,852 |
| Return on assets (ROA) | 1.3017% | 1,848 |
| Pretax return on assets | 1.6610% | 1,378 |
| Return on Equity (ROE) | 14.2622% | 1,050 |
| Retained earnings to average equity (ytd only) | 14.2622% | 227 |
| Net charge-offs to loans | 0.0589% | 1,981 |
| Credit loss provision to net charge-offs | 49.2308% | 2,835 |
| Earnings coverage of net charge-offs (x) | 34.7556% | 1,467 |
| Efficiency ratio | 65.6843% | 2,923 |
| Assets per employee ($millions) | 4.7708% | 2,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3762% | 1,795 |
| Loan loss allowance to noncurrent loans | 167.3355% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.6697% | 2,193 |
| Noncurrent loans to loans | 0.8224% | 2,061 |
| Net loans and leases to total assets | 80.3067% | 968 |
| Net loans and leases to deposits | 92.0001% | 1,627 |
| Net loans and leases to core deposits | 100.0181% | 1,796 |
| Total domestic deposits to total assets | 87.2898% | 1,602 |
| Equity capital to assets | 9.1603% | 4,413 |
| Core capital (leverage) ratio | 9.4909% | 4,188 |
| Tier 1 risk-based capital ratio | 12.3489% | 4,285 |
| Total risk-based capital ratio | 13.6011% | 4,175 |
| Memoranda: | ||
| Average total assets | $178,844,750 | 3,090 |
| Average earning assets | $172,501,000 | 3,020 |
| Average equity | $16,322,500 | 3,500 |
| Average total loans | $147,130,000 | 2,691 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2089% | 545 |
| Cost of funding earning assets | 0.5675% | 2,451 |
| Net interest margin | 4.6414% | 505 |
| Noninterest income to average assets | 0.4489% | 3,159 |
| Noninterest expense to average assets | 3.2533% | 1,429 |
| Loan and lease loss provision to assets | 0.0363% | 3,185 |
| Net operating income to assets | 1.2682% | 1,906 |
| Return on assets (ROA) | 1.2843% | 1,844 |
| Pretax return on assets | 1.6482% | 1,346 |
| Return on Equity (ROE) | 14.0903% | 1,055 |
| Retained earnings to average equity (ytd only) | 14.0903% | 273 |
| Net charge-offs to loans | 0.0810% | 1,517 |
| Credit loss provision to net charge-offs | 54.2373% | 2,469 |
| Earnings coverage of net charge-offs (x) | 24.8814% | 1,660 |
| Efficiency ratio | 66.1595% | 2,945 |
| Assets per employee ($millions) | 4.7617% | 2,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3983% | 1,752 |
| Loan loss allowance to noncurrent loans | 182.9396% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.6488% | 2,282 |
| Noncurrent loans to loans | 0.7644% | 2,209 |
| Net loans and leases to total assets | 83.6891% | 493 |
| Net loans and leases to deposits | 94.3250% | 1,319 |
| Net loans and leases to core deposits | 102.4350% | 1,532 |
| Total domestic deposits to total assets | 88.7242% | 1,046 |
| Equity capital to assets | 9.3885% | 4,197 |
| Core capital (leverage) ratio | 9.3091% | 4,354 |
| Tier 1 risk-based capital ratio | 12.0171% | 4,480 |
| Total risk-based capital ratio | 13.2701% | 4,356 |
| Memoranda: | ||
| Average total assets | $176,438,670 | 3,134 |
| Average earning assets | $169,863,000 | 3,066 |
| Average equity | $16,082,000 | 3,556 |
| Average total loans | $145,671,330 | 2,721 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0639% | 618 |
| Cost of funding earning assets | 0.5163% | 2,666 |
| Net interest margin | 4.5476% | 555 |
| Noninterest income to average assets | 0.4395% | 3,185 |
| Noninterest expense to average assets | 3.2033% | 1,556 |
| Loan and lease loss provision to assets | 0.0725% | 2,312 |
| Net operating income to assets | 1.1418% | 2,251 |
| Return on assets (ROA) | 1.1418% | 2,264 |
| Pretax return on assets | 1.5337% | 1,587 |
| Return on Equity (ROE) | 12.7172% | 1,345 |
| Retained earnings to average equity (ytd only) | 12.7172% | 562 |
| Net charge-offs to loans | 0.1614% | 875 |
| Credit loss provision to net charge-offs | 55.1724% | 1,913 |
| Earnings coverage of net charge-offs (x) | 12.2241% | 1,810 |
| Efficiency ratio | 66.6039% | 3,064 |
| Assets per employee ($millions) | 5.2326% | 2,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4441% | 1,681 |
| Loan loss allowance to noncurrent loans | 182.0714% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.6936% | 2,247 |
| Noncurrent loans to loans | 0.7931% | 2,224 |
| Net loans and leases to total assets | 80.2527% | 902 |
| Net loans and leases to deposits | 91.0225% | 1,558 |
| Net loans and leases to core deposits | 97.2774% | 1,881 |
| Total domestic deposits to total assets | 88.1680% | 1,527 |
| Equity capital to assets | 8.9934% | 4,562 |
| Core capital (leverage) ratio | 9.1921% | 4,444 |
| Tier 1 risk-based capital ratio | 11.9518% | 4,574 |
| Total risk-based capital ratio | 13.2050% | 4,468 |
| Memoranda: | ||
| Average total assets | $176,566,500 | 3,168 |
| Average earning assets | $169,670,500 | 3,102 |
| Average equity | $15,852,500 | 3,605 |
| Average total loans | $143,738,500 | 2,766 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0333% | 608 |
| Cost of funding earning assets | 0.4152% | 3,094 |
| Net interest margin | 4.6181% | 485 |
| Noninterest income to average assets | 0.4601% | 3,243 |
| Noninterest expense to average assets | 3.2687% | 1,437 |
| Loan and lease loss provision to assets | 0.0820% | 2,558 |
| Net operating income to assets | 0.9289% | 2,554 |
| Return on assets (ROA) | 0.9377% | 2,549 |
| Pretax return on assets | 1.5436% | 1,476 |
| Return on Equity (ROE) | 9.8155% | 1,970 |
| Retained earnings to average equity (ytd only) | 8.1970% | 692 |
| Net charge-offs to loans | -0.0046% | 4,624 |
| Credit loss provision to net charge-offs | -2,183.3333% | 5,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9745% | 3,082 |
| Assets per employee ($millions) | 4.8674% | 2,648 |
| Cash dividends to net income (ytd only)* | 16.4887% | 3,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4852% | 1,458 |
| Loan loss allowance to noncurrent loans | 154.8246% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.7853% | 1,986 |
| Noncurrent loans to loans | 0.9593% | 1,847 |
| Net loans and leases to total assets | 80.1775% | 933 |
| Net loans and leases to deposits | 91.1309% | 1,634 |
| Net loans and leases to core deposits | 97.0872% | 1,938 |
| Total domestic deposits to total assets | 87.9806% | 1,514 |
| Equity capital to assets | 8.9628% | 4,758 |
| Core capital (leverage) ratio | 8.8179% | 4,844 |
| Tier 1 risk-based capital ratio | 11.6232% | 4,774 |
| Total risk-based capital ratio | 12.8767% | 4,659 |
| Memoranda: | ||
| Average total assets | $159,756,200 | 3,349 |
| Average earning assets | $152,920,200 | 3,284 |
| Average equity | $15,261,600 | 3,686 |
| Average total loans | $130,361,400 | 2,910 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9945% | 618 |
| Cost of funding earning assets | 0.3806% | 3,371 |
| Net interest margin | 4.6139% | 476 |
| Noninterest income to average assets | 0.4704% | 3,209 |
| Noninterest expense to average assets | 3.2826% | 1,389 |
| Loan and lease loss provision to assets | 0.0864% | 2,361 |
| Net operating income to assets | 1.0776% | 2,193 |
| Return on assets (ROA) | 1.0879% | 2,200 |
| Pretax return on assets | 1.5327% | 1,658 |
| Return on Equity (ROE) | 11.1939% | 1,613 |
| Retained earnings to average equity (ytd only) | 11.1939% | 388 |
| Net charge-offs to loans | -0.0031% | 4,376 |
| Credit loss provision to net charge-offs | -3,366.6667% | 5,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1684% | 3,021 |
| Assets per employee ($millions) | 4.8167% | 2,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5330% | 1,417 |
| Loan loss allowance to noncurrent loans | 164.5620% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.7353% | 2,300 |
| Noncurrent loans to loans | 0.9316% | 2,060 |
| Net loans and leases to total assets | 77.2321% | 1,392 |
| Net loans and leases to deposits | 88.5054% | 1,988 |
| Net loans and leases to core deposits | 93.1761% | 2,332 |
| Total domestic deposits to total assets | 87.2625% | 1,745 |
| Equity capital to assets | 9.1510% | 4,769 |
| Core capital (leverage) ratio | 9.5299% | 4,126 |
| Tier 1 risk-based capital ratio | 11.9172% | 4,685 |
| Total risk-based capital ratio | 13.1707% | 4,560 |
| Memoranda: | ||
| Average total assets | $155,889,000 | 3,430 |
| Average earning assets | $149,226,250 | 3,363 |
| Average equity | $15,150,750 | 3,735 |
| Average total loans | $127,299,500 | 2,979 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9538% | 606 |
| Cost of funding earning assets | 0.3502% | 3,582 |
| Net interest margin | 4.6037% | 473 |
| Noninterest income to average assets | 0.4892% | 3,090 |
| Noninterest expense to average assets | 3.3349% | 1,304 |
| Loan and lease loss provision to assets | 0.0680% | 2,613 |
| Net operating income to assets | 1.0879% | 2,041 |
| Return on assets (ROA) | 1.1023% | 2,012 |
| Pretax return on assets | 1.5395% | 1,529 |
| Return on Equity (ROE) | 11.0920% | 1,607 |
| Retained earnings to average equity (ytd only) | 11.0920% | 426 |
| Net charge-offs to loans | -0.0032% | 4,243 |
| Credit loss provision to net charge-offs | -2,550.0000% | 4,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7498% | 3,060 |
| Assets per employee ($millions) | 4.1094% | 3,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5401% | 1,435 |
| Loan loss allowance to noncurrent loans | 167.2697% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.7838% | 2,249 |
| Noncurrent loans to loans | 0.9208% | 2,129 |
| Net loans and leases to total assets | 83.2706% | 514 |
| Net loans and leases to deposits | 96.5446% | 1,025 |
| Net loans and leases to core deposits | 100.2475% | 1,634 |
| Total domestic deposits to total assets | 86.2509% | 2,268 |
| Equity capital to assets | 9.8869% | 4,041 |
| Core capital (leverage) ratio | 9.8462% | 3,720 |
| Tier 1 risk-based capital ratio | 11.8102% | 4,753 |
| Total risk-based capital ratio | 13.0638% | 4,640 |
| Memoranda: | ||
| Average total assets | $150,051,330 | 3,519 |
| Average earning assets | $144,494,000 | 3,435 |
| Average equity | $14,911,670 | 3,773 |
| Average total loans | $124,397,000 | 3,034 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8888% | 648 |
| Cost of funding earning assets | 0.3371% | 3,671 |
| Net interest margin | 4.5518% | 476 |
| Noninterest income to average assets | 0.5061% | 2,940 |
| Noninterest expense to average assets | 3.3742% | 1,247 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0370% | 2,137 |
| Return on assets (ROA) | 1.0558% | 2,093 |
| Pretax return on assets | 1.5320% | 1,439 |
| Return on Equity (ROE) | 10.5953% | 1,697 |
| Retained earnings to average equity (ytd only) | 10.5953% | 675 |
| Net charge-offs to loans | -0.0066% | 4,272 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1578% | 3,015 |
| Assets per employee ($millions) | 4.4259% | 3,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6177% | 1,339 |
| Loan loss allowance to noncurrent loans | 163.3443% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.8121% | 2,265 |
| Noncurrent loans to loans | 0.9904% | 2,066 |
| Net loans and leases to total assets | 80.1403% | 813 |
| Net loans and leases to deposits | 89.3787% | 1,617 |
| Net loans and leases to core deposits | 93.2273% | 2,043 |
| Total domestic deposits to total assets | 89.6638% | 816 |
| Equity capital to assets | 9.8803% | 3,899 |
| Core capital (leverage) ratio | 10.0635% | 3,421 |
| Tier 1 risk-based capital ratio | 12.1369% | 4,629 |
| Total risk-based capital ratio | 13.3913% | 4,520 |
| Memoranda: | ||
| Average total assets | $146,999,000 | 3,590 |
| Average earning assets | $141,219,500 | 3,508 |
| Average equity | $14,648,000 | 3,824 |
| Average total loans | $120,562,500 | 3,098 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7278% | 1,010 |
| Cost of funding earning assets | 0.3155% | 3,897 |
| Net interest margin | 4.4122% | 757 |
| Noninterest income to average assets | 0.5244% | 3,066 |
| Noninterest expense to average assets | 3.3363% | 1,494 |
| Loan and lease loss provision to assets | 0.1581% | 1,572 |
| Net operating income to assets | 0.9028% | 2,804 |
| Return on assets (ROA) | 0.9292% | 2,801 |
| Pretax return on assets | 1.2800% | 2,356 |
| Return on Equity (ROE) | 8.8709% | 2,487 |
| Retained earnings to average equity (ytd only) | 7.1644% | 1,162 |
| Net charge-offs to loans | 0.0249% | 3,545 |
| Credit loss provision to net charge-offs | 823.0769% | 448 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 766 |
| Efficiency ratio | 70.4131% | 2,842 |
| Assets per employee ($millions) | 4.1005% | 3,785 |
| Cash dividends to net income (ytd only)* | 19.2369% | 3,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6711% | 1,198 |
| Loan loss allowance to noncurrent loans | 159.8870% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.8689% | 2,174 |
| Noncurrent loans to loans | 1.0452% | 1,986 |
| Net loans and leases to total assets | 81.2203% | 709 |
| Net loans and leases to deposits | 91.8949% | 1,470 |
| Net loans and leases to core deposits | 95.5741% | 1,960 |
| Total domestic deposits to total assets | 88.3840% | 1,448 |
| Equity capital to assets | 10.0532% | 3,671 |
| Core capital (leverage) ratio | 10.1966% | 3,227 |
| Tier 1 risk-based capital ratio | 12.4346% | 4,418 |
| Total risk-based capital ratio | 13.6897% | 4,305 |
| Memoranda: | ||
| Average total assets | $135,389,200 | 3,747 |
| Average earning assets | $129,299,400 | 3,659 |
| Average equity | $14,181,200 | 3,922 |
| Average total loans | $104,264,600 | 3,309 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6808% | 1,109 |
| Cost of funding earning assets | 0.3140% | 3,931 |
| Net interest margin | 4.3668% | 825 |
| Noninterest income to average assets | 0.5329% | 3,031 |
| Noninterest expense to average assets | 3.3423% | 1,473 |
| Loan and lease loss provision to assets | 0.1540% | 1,512 |
| Net operating income to assets | 0.8555% | 3,123 |
| Return on assets (ROA) | 0.8908% | 3,091 |
| Pretax return on assets | 1.2427% | 2,642 |
| Return on Equity (ROE) | 8.4137% | 2,806 |
| Retained earnings to average equity (ytd only) | 8.4137% | 1,015 |
| Net charge-offs to loans | 0.0344% | 2,944 |
| Credit loss provision to net charge-offs | 592.3077% | 621 |
| Earnings coverage of net charge-offs (x) | 51.8399% | 1,042 |
| Efficiency ratio | 71.2641% | 2,688 |
| Assets per employee ($millions) | 4.1738% | 3,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7607% | 1,085 |
| Loan loss allowance to noncurrent loans | 158.8916% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.8576% | 2,412 |
| Noncurrent loans to loans | 1.1081% | 2,035 |
| Net loans and leases to total assets | 75.5294% | 1,607 |
| Net loans and leases to deposits | 85.0463% | 2,362 |
| Net loans and leases to core deposits | 88.5532% | 2,710 |
| Total domestic deposits to total assets | 88.8097% | 1,003 |
| Equity capital to assets | 10.3299% | 3,770 |
| Core capital (leverage) ratio | 10.5109% | 2,987 |
| Tier 1 risk-based capital ratio | 13.1998% | 4,035 |
| Total risk-based capital ratio | 14.4561% | 3,939 |
| Memoranda: | ||
| Average total assets | $133,357,250 | 3,800 |
| Average earning assets | $126,954,000 | 3,723 |
| Average equity | $14,119,500 | 3,961 |
| Average total loans | $100,694,250 | 3,385 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6589% | 1,148 |
| Cost of funding earning assets | 0.3147% | 3,966 |
| Net interest margin | 4.3442% | 862 |
| Noninterest income to average assets | 0.5379% | 2,966 |
| Noninterest expense to average assets | 3.3470% | 1,490 |
| Loan and lease loss provision to assets | 0.1165% | 1,946 |
| Net operating income to assets | 0.8546% | 3,076 |
| Return on assets (ROA) | 0.8720% | 3,105 |
| Pretax return on assets | 1.2245% | 2,685 |
| Return on Equity (ROE) | 8.1638% | 2,904 |
| Retained earnings to average equity (ytd only) | 8.1638% | 1,118 |
| Net charge-offs to loans | 0.0531% | 2,442 |
| Credit loss provision to net charge-offs | 292.3077% | 982 |
| Earnings coverage of net charge-offs (x) | 33.0385% | 1,320 |
| Efficiency ratio | 71.7713% | 2,699 |
| Assets per employee ($millions) | 4.4071% | 3,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7924% | 1,089 |
| Loan loss allowance to noncurrent loans | 151.8122% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.9243% | 2,306 |
| Noncurrent loans to loans | 1.1807% | 1,948 |
| Net loans and leases to total assets | 76.3760% | 1,432 |
| Net loans and leases to deposits | 86.4369% | 2,197 |
| Net loans and leases to core deposits | 90.7375% | 2,464 |
| Total domestic deposits to total assets | 88.3604% | 1,239 |
| Equity capital to assets | 10.8590% | 3,224 |
| Core capital (leverage) ratio | 10.3706% | 3,112 |
| Tier 1 risk-based capital ratio | 13.5013% | 3,905 |
| Total risk-based capital ratio | 14.7560% | 3,808 |
| Memoranda: | ||
| Average total assets | $130,506,670 | 3,867 |
| Average earning assets | $123,936,000 | 3,804 |
| Average equity | $13,939,670 | 4,001 |
| Average total loans | $97,891,000 | 3,443 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6163% | 1,221 |
| Cost of funding earning assets | 0.3115% | 4,042 |
| Net interest margin | 4.3048% | 923 |
| Noninterest income to average assets | 0.4782% | 3,278 |
| Noninterest expense to average assets | 3.3104% | 1,573 |
| Loan and lease loss provision to assets | 0.0710% | 2,533 |
| Net operating income to assets | 0.8003% | 3,249 |
| Return on assets (ROA) | 0.8176% | 3,287 |
| Pretax return on assets | 1.1724% | 2,811 |
| Return on Equity (ROE) | 7.7198% | 3,077 |
| Retained earnings to average equity (ytd only) | 7.7198% | 1,584 |
| Net charge-offs to loans | -0.0293% | 5,058 |
| Credit loss provision to net charge-offs | -328.5714% | 4,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0926% | 2,624 |
| Assets per employee ($millions) | 4.3447% | 3,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8920% | 981 |
| Loan loss allowance to noncurrent loans | 145.4908% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.9759% | 2,269 |
| Noncurrent loans to loans | 1.3004% | 1,851 |
| Net loans and leases to total assets | 72.5267% | 1,946 |
| Net loans and leases to deposits | 81.8154% | 2,568 |
| Net loans and leases to core deposits | 84.8597% | 2,859 |
| Total domestic deposits to total assets | 88.6467% | 1,279 |
| Equity capital to assets | 10.6774% | 3,281 |
| Core capital (leverage) ratio | 10.5979% | 2,850 |
| Tier 1 risk-based capital ratio | 14.0167% | 3,682 |
| Total risk-based capital ratio | 15.2724% | 3,607 |
| Memoranda: | ||
| Average total assets | $129,653,500 | 3,919 |
| Average earning assets | $122,002,000 | 3,873 |
| Average equity | $13,731,000 | 4,042 |
| Average total loans | $95,425,500 | 3,508 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4278% | 1,808 |
| Cost of funding earning assets | 0.3277% | 3,934 |
| Net interest margin | 4.1000% | 1,412 |
| Noninterest income to average assets | 0.4339% | 3,793 |
| Noninterest expense to average assets | 3.2410% | 1,859 |
| Loan and lease loss provision to assets | 0.0526% | 3,260 |
| Net operating income to assets | 0.7134% | 3,747 |
| Return on assets (ROA) | 0.7404% | 3,716 |
| Pretax return on assets | 1.0650% | 3,210 |
| Return on Equity (ROE) | 6.8981% | 3,560 |
| Retained earnings to average equity (ytd only) | 6.8981% | 1,322 |
| Net charge-offs to loans | -0.1346% | 5,861 |
| Credit loss provision to net charge-offs | -57.1429% | 5,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0238% | 2,422 |
| Assets per employee ($millions) | 4.1602% | 3,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8974% | 962 |
| Loan loss allowance to noncurrent loans | 144.0161% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 1.0072% | 2,180 |
| Noncurrent loans to loans | 1.3175% | 1,791 |
| Net loans and leases to total assets | 71.8817% | 2,077 |
| Net loans and leases to deposits | 81.0816% | 2,698 |
| Net loans and leases to core deposits | 84.2724% | 2,945 |
| Total domestic deposits to total assets | 88.6536% | 1,306 |
| Equity capital to assets | 10.5028% | 3,356 |
| Core capital (leverage) ratio | 10.5069% | 2,921 |
| Tier 1 risk-based capital ratio | 13.1103% | 4,235 |
| Total risk-based capital ratio | 14.3657% | 4,155 |
| Memoranda: | ||
| Average total assets | $121,692,200 | 4,039 |
| Average earning assets | $115,340,600 | 3,976 |
| Average equity | $13,061,600 | 4,134 |
| Average total loans | $83,188,600 | 3,739 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3443% | 2,096 |
| Cost of funding earning assets | 0.3318% | 3,966 |
| Net interest margin | 4.0126% | 1,657 |
| Noninterest income to average assets | 0.4349% | 3,831 |
| Noninterest expense to average assets | 3.2244% | 1,902 |
| Loan and lease loss provision to assets | 0.0311% | 3,615 |
| Net operating income to assets | 0.6828% | 3,981 |
| Return on assets (ROA) | 0.7085% | 3,977 |
| Pretax return on assets | 1.0377% | 3,474 |
| Return on Equity (ROE) | 6.5631% | 3,861 |
| Retained earnings to average equity (ytd only) | 6.5631% | 1,912 |
| Net charge-offs to loans | -0.2124% | 6,006 |
| Credit loss provision to net charge-offs | -21.8750% | 4,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7710% | 2,279 |
| Assets per employee ($millions) | 4.1781% | 3,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9862% | 932 |
| Loan loss allowance to noncurrent loans | 136.2798% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 1.0531% | 2,249 |
| Noncurrent loans to loans | 1.4574% | 1,716 |
| Net loans and leases to total assets | 69.8039% | 2,418 |
| Net loans and leases to deposits | 78.8250% | 3,009 |
| Net loans and leases to core deposits | 80.7917% | 3,362 |
| Total domestic deposits to total assets | 88.5555% | 1,270 |
| Equity capital to assets | 10.5853% | 3,496 |
| Core capital (leverage) ratio | 10.5038% | 3,044 |
| Tier 1 risk-based capital ratio | 14.1985% | 3,725 |
| Total risk-based capital ratio | 15.4547% | 3,660 |
| Memoranda: | ||
| Average total assets | $119,873,750 | 4,120 |
| Average earning assets | $114,138,500 | 4,039 |
| Average equity | $12,940,750 | 4,191 |
| Average total loans | $80,361,750 | 3,845 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2504% | 2,356 |
| Cost of funding earning assets | 0.3394% | 3,931 |
| Net interest margin | 3.9110% | 1,936 |
| Noninterest income to average assets | 0.4235% | 3,899 |
| Noninterest expense to average assets | 3.1952% | 1,996 |
| Loan and lease loss provision to assets | 0.0474% | 3,173 |
| Net operating income to assets | 0.6322% | 4,210 |
| Return on assets (ROA) | 0.6590% | 4,182 |
| Pretax return on assets | 0.9487% | 3,774 |
| Return on Equity (ROE) | 6.0631% | 4,099 |
| Retained earnings to average equity (ytd only) | 6.0631% | 2,204 |
| Net charge-offs to loans | -0.3282% | 6,139 |
| Credit loss provision to net charge-offs | -22.0472% | 4,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9482% | 2,212 |
| Assets per employee ($millions) | 4.1522% | 3,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2489% | 681 |
| Loan loss allowance to noncurrent loans | 145.1269% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 1.0123% | 2,495 |
| Noncurrent loans to loans | 1.5496% | 1,706 |
| Net loans and leases to total assets | 61.8318% | 3,576 |
| Net loans and leases to deposits | 69.6074% | 3,972 |
| Net loans and leases to core deposits | 71.3457% | 4,190 |
| Total domestic deposits to total assets | 88.8293% | 1,233 |
| Equity capital to assets | 10.3936% | 3,568 |
| Core capital (leverage) ratio | 10.3758% | 3,109 |
| Tier 1 risk-based capital ratio | 14.9955% | 3,358 |
| Total risk-based capital ratio | 16.2535% | 3,289 |
| Memoranda: | ||
| Average total assets | $118,050,330 | 4,186 |
| Average earning assets | $112,553,670 | 4,107 |
| Average equity | $12,831,670 | 4,234 |
| Average total loans | $77,393,000 | 3,966 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1973% | 2,463 |
| Cost of funding earning assets | 0.3425% | 3,958 |
| Net interest margin | 3.8548% | 2,047 |
| Noninterest income to average assets | 0.3066% | 4,735 |
| Noninterest expense to average assets | 2.9898% | 2,620 |
| Loan and lease loss provision to assets | 0.0732% | 2,475 |
| Net operating income to assets | 0.6516% | 4,040 |
| Return on assets (ROA) | 0.6516% | 4,159 |
| Pretax return on assets | 0.9304% | 3,779 |
| Return on Equity (ROE) | 5.8556% | 4,108 |
| Retained earnings to average equity (ytd only) | 5.8556% | 2,576 |
| Net charge-offs to loans | -0.0052% | 4,505 |
| Credit loss provision to net charge-offs | -2,100.0000% | 5,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8691% | 2,674 |
| Assets per employee ($millions) | 4.3468% | 3,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0717% | 962 |
| Loan loss allowance to noncurrent loans | 134.0147% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 1.0019% | 2,626 |
| Noncurrent loans to loans | 1.5459% | 1,816 |
| Net loans and leases to total assets | 61.4587% | 3,458 |
| Net loans and leases to deposits | 69.1026% | 3,845 |
| Net loans and leases to core deposits | 70.8040% | 4,079 |
| Total domestic deposits to total assets | 88.9383% | 1,312 |
| Equity capital to assets | 10.2620% | 3,818 |
| Core capital (leverage) ratio | 11.7713% | 1,797 |
| Tier 1 risk-based capital ratio | 15.2169% | 3,309 |
| Total risk-based capital ratio | 16.4746% | 3,233 |
| Memoranda: | ||
| Average total assets | $114,792,000 | 4,272 |
| Average earning assets | $109,785,500 | 4,184 |
| Average equity | $12,774,000 | 4,278 |
| Average total loans | $76,692,500 | 3,997 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4964% | 1,881 |
| Cost of funding earning assets | 0.4027% | 3,664 |
| Net interest margin | 4.0937% | 1,598 |
| Noninterest income to average assets | 0.2934% | 5,020 |
| Noninterest expense to average assets | 3.0213% | 2,782 |
| Loan and lease loss provision to assets | 0.0118% | 4,386 |
| Net operating income to assets | 0.8192% | 3,288 |
| Return on assets (ROA) | 0.8341% | 3,296 |
| Pretax return on assets | 1.1608% | 2,820 |
| Return on Equity (ROE) | 7.1145% | 3,568 |
| Retained earnings to average equity (ytd only) | 7.1145% | 1,348 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3960% | 3,139 |
| Assets per employee ($millions) | 5.1764% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1771% | 845 |
| Loan loss allowance to noncurrent loans | 131.2500% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 1.2287% | 2,313 |
| Noncurrent loans to loans | 1.6587% | 1,760 |
| Net loans and leases to total assets | 70.1807% | 2,207 |
| Net loans and leases to deposits | 81.0169% | 2,602 |
| Net loans and leases to core deposits | 82.7668% | 3,022 |
| Total domestic deposits to total assets | 86.6247% | 2,493 |
| Equity capital to assets | 12.1823% | 1,880 |
| Core capital (leverage) ratio | 12.0485% | 1,591 |
| Tier 1 risk-based capital ratio | 17.7015% | 2,236 |
| Total risk-based capital ratio | 18.9646% | 2,199 |
| Memoranda: | ||
| Average total assets | $101,909,800 | 4,549 |
| Average earning assets | $96,588,600 | 4,494 |
| Average equity | $11,947,400 | 4,370 |
| Average total loans | $69,382,400 | 4,203 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4893% | 1,910 |
| Cost of funding earning assets | 0.4047% | 3,737 |
| Net interest margin | 4.0846% | 1,625 |
| Noninterest income to average assets | 0.2916% | 5,107 |
| Noninterest expense to average assets | 2.9896% | 2,838 |
| Loan and lease loss provision to assets | 0.0145% | 4,124 |
| Net operating income to assets | 0.8089% | 3,392 |
| Return on assets (ROA) | 0.8275% | 3,386 |
| Pretax return on assets | 1.1717% | 2,903 |
| Return on Equity (ROE) | 7.1298% | 3,646 |
| Retained earnings to average equity (ytd only) | 7.1298% | 1,751 |
| Net charge-offs to loans | 0.0020% | 4,649 |
| Credit loss provision to net charge-offs | 1,100.0000% | 305 |
| Earnings coverage of net charge-offs (x) | 885.1880% | 83 |
| Efficiency ratio | 72.0481% | 3,165 |
| Assets per employee ($millions) | 4.8524% | 2,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2517% | 877 |
| Loan loss allowance to noncurrent loans | 131.1942% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 1.2473% | 2,465 |
| Noncurrent loans to loans | 1.7163% | 1,892 |
| Net loans and leases to total assets | 68.8001% | 2,410 |
| Net loans and leases to deposits | 79.2503% | 2,813 |
| Net loans and leases to core deposits | 80.9842% | 3,199 |
| Total domestic deposits to total assets | 86.8137% | 2,412 |
| Equity capital to assets | 12.0568% | 2,009 |
| Core capital (leverage) ratio | 12.1074% | 1,633 |
| Tier 1 risk-based capital ratio | 17.2178% | 2,518 |
| Total risk-based capital ratio | 18.4799% | 2,472 |
| Memoranda: | ||
| Average total assets | $101,505,500 | 4,619 |
| Average earning assets | $95,870,250 | 4,551 |
| Average equity | $11,781,250 | 4,428 |
| Average total loans | $68,159,750 | 4,272 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4376% | 2,047 |
| Cost of funding earning assets | 0.4070% | 3,801 |
| Net interest margin | 4.0306% | 1,721 |
| Noninterest income to average assets | 0.2979% | 5,030 |
| Noninterest expense to average assets | 2.9791% | 2,905 |
| Loan and lease loss provision to assets | 0.0197% | 3,878 |
| Net operating income to assets | 0.7957% | 3,357 |
| Return on assets (ROA) | 0.8227% | 3,319 |
| Pretax return on assets | 1.1463% | 2,899 |
| Return on Equity (ROE) | 7.1816% | 3,524 |
| Retained earnings to average equity (ytd only) | 7.1816% | 1,676 |
| Net charge-offs to loans | 0.0060% | 4,173 |
| Credit loss provision to net charge-offs | 500.0000% | 577 |
| Earnings coverage of net charge-offs (x) | 286.0000% | 237 |
| Efficiency ratio | 72.5264% | 3,240 |
| Assets per employee ($millions) | 5.0447% | 2,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3173% | 880 |
| Loan loss allowance to noncurrent loans | 130.7131% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 1.5621% | 2,089 |
| Noncurrent loans to loans | 1.7728% | 1,941 |
| Net loans and leases to total assets | 67.3922% | 2,516 |
| Net loans and leases to deposits | 77.5055% | 2,867 |
| Net loans and leases to core deposits | 79.2138% | 3,303 |
| Total domestic deposits to total assets | 86.9515% | 2,475 |
| Equity capital to assets | 11.9215% | 2,048 |
| Core capital (leverage) ratio | 11.9052% | 1,715 |
| Tier 1 risk-based capital ratio | 18.0509% | 2,227 |
| Total risk-based capital ratio | 19.3155% | 2,187 |
| Memoranda: | ||
| Average total assets | $101,373,670 | 4,647 |
| Average earning assets | $95,817,330 | 4,582 |
| Average equity | $11,613,000 | 4,470 |
| Average total loans | $66,972,000 | 4,327 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3849% | 2,195 |
| Cost of funding earning assets | 0.4021% | 3,944 |
| Net interest margin | 3.9829% | 1,821 |
| Noninterest income to average assets | 0.2795% | 5,128 |
| Noninterest expense to average assets | 2.8854% | 3,268 |
| Loan and lease loss provision to assets | 0.0276% | 3,470 |
| Net operating income to assets | 0.8147% | 3,085 |
| Return on assets (ROA) | 0.8463% | 2,996 |
| Pretax return on assets | 1.1534% | 2,681 |
| Return on Equity (ROE) | 7.5402% | 3,177 |
| Retained earnings to average equity (ytd only) | 7.5402% | 1,801 |
| Net charge-offs to loans | -0.0061% | 4,869 |
| Credit loss provision to net charge-offs | -700.0000% | 5,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7221% | 3,539 |
| Assets per employee ($millions) | 5.1058% | 2,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3888% | 926 |
| Loan loss allowance to noncurrent loans | 130.2908% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 1.5473% | 2,286 |
| Noncurrent loans to loans | 1.8334% | 2,094 |
| Net loans and leases to total assets | 64.5449% | 2,806 |
| Net loans and leases to deposits | 73.6285% | 3,112 |
| Net loans and leases to core deposits | 75.2157% | 3,501 |
| Total domestic deposits to total assets | 87.6629% | 2,427 |
| Equity capital to assets | 11.3999% | 2,334 |
| Core capital (leverage) ratio | 11.7959% | 1,765 |
| Tier 1 risk-based capital ratio | 17.6075% | 2,445 |
| Total risk-based capital ratio | 18.8710% | 2,407 |
| Memoranda: | ||
| Average total assets | $101,614,000 | 4,693 |
| Average earning assets | $95,509,000 | 4,641 |
| Average equity | $11,405,500 | 4,523 |
| Average total loans | $65,654,500 | 4,403 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5482% | 2,039 |
| Cost of funding earning assets | 0.4860% | 3,756 |
| Net interest margin | 4.0622% | 1,758 |
| Noninterest income to average assets | 0.2894% | 5,290 |
| Noninterest expense to average assets | 2.9126% | 3,336 |
| Loan and lease loss provision to assets | 0.1144% | 2,902 |
| Net operating income to assets | 0.8080% | 3,252 |
| Return on assets (ROA) | 0.8228% | 3,266 |
| Pretax return on assets | 1.1315% | 2,845 |
| Return on Equity (ROE) | 7.2153% | 3,447 |
| Retained earnings to average equity (ytd only) | 7.2153% | 1,352 |
| Net charge-offs to loans | 0.1467% | 3,334 |
| Credit loss provision to net charge-offs | 122.8261% | 1,936 |
| Earnings coverage of net charge-offs (x) | 13.1630% | 2,055 |
| Efficiency ratio | 70.3840% | 3,776 |
| Assets per employee ($millions) | 5.0557% | 2,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5162% | 817 |
| Loan loss allowance to noncurrent loans | 128.9157% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 1.5695% | 2,371 |
| Noncurrent loans to loans | 1.9518% | 2,042 |
| Net loans and leases to total assets | 61.4965% | 3,440 |
| Net loans and leases to deposits | 69.9409% | 3,791 |
| Net loans and leases to core deposits | 71.4568% | 4,135 |
| Total domestic deposits to total assets | 87.9264% | 2,216 |
| Equity capital to assets | 11.0470% | 2,571 |
| Core capital (leverage) ratio | 11.5551% | 1,920 |
| Tier 1 risk-based capital ratio | 17.8777% | 2,281 |
| Total risk-based capital ratio | 19.1427% | 2,242 |
| Memoranda: | ||
| Average total assets | $98,811,000 | 4,768 |
| Average earning assets | $93,618,800 | 4,688 |
| Average equity | $11,267,800 | 4,587 |
| Average total loans | $62,702,400 | 4,521 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5625% | 2,004 |
| Cost of funding earning assets | 0.4901% | 3,865 |
| Net interest margin | 4.0724% | 1,718 |
| Noninterest income to average assets | 0.2905% | 5,371 |
| Noninterest expense to average assets | 2.9045% | 3,293 |
| Loan and lease loss provision to assets | 0.0937% | 3,205 |
| Net operating income to assets | 0.7735% | 3,491 |
| Return on assets (ROA) | 0.7926% | 3,518 |
| Pretax return on assets | 1.1889% | 2,750 |
| Return on Equity (ROE) | 6.8954% | 3,714 |
| Retained earnings to average equity (ytd only) | 6.8954% | 1,928 |
| Net charge-offs to loans | 0.1708% | 2,852 |
| Credit loss provision to net charge-offs | 86.2500% | 2,706 |
| Earnings coverage of net charge-offs (x) | 11.5504% | 2,229 |
| Efficiency ratio | 69.8433% | 3,778 |
| Assets per employee ($millions) | 5.1768% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4961% | 938 |
| Loan loss allowance to noncurrent loans | 113.9855% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 1.7070% | 2,404 |
| Noncurrent loans to loans | 2.1898% | 2,018 |
| Net loans and leases to total assets | 62.4705% | 3,272 |
| Net loans and leases to deposits | 71.5295% | 3,569 |
| Net loans and leases to core deposits | 73.1352% | 3,951 |
| Total domestic deposits to total assets | 87.3353% | 2,488 |
| Equity capital to assets | 11.3593% | 2,420 |
| Core capital (leverage) ratio | 11.5874% | 1,969 |
| Tier 1 risk-based capital ratio | 18.0702% | 2,299 |
| Total risk-based capital ratio | 19.3365% | 2,257 |
| Memoranda: | ||
| Average total assets | $98,235,500 | 4,827 |
| Average earning assets | $93,309,000 | 4,745 |
| Average equity | $11,292,250 | 4,629 |
| Average total loans | $62,431,500 | 4,569 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5203% | 2,118 |
| Cost of funding earning assets | 0.4882% | 4,010 |
| Net interest margin | 4.0321% | 1,756 |
| Noninterest income to average assets | 0.3014% | 5,296 |
| Noninterest expense to average assets | 2.9309% | 3,234 |
| Loan and lease loss provision to assets | 0.0917% | 3,257 |
| Net operating income to assets | 0.7063% | 3,773 |
| Return on assets (ROA) | 0.7271% | 3,851 |
| Pretax return on assets | 1.1467% | 2,899 |
| Return on Equity (ROE) | 6.3007% | 3,993 |
| Retained earnings to average equity (ytd only) | 6.3007% | 2,260 |
| Net charge-offs to loans | 0.2603% | 2,165 |
| Credit loss provision to net charge-offs | 55.5556% | 3,107 |
| Earnings coverage of net charge-offs (x) | 7.3086% | 2,567 |
| Efficiency ratio | 70.8518% | 3,668 |
| Assets per employee ($millions) | 5.2090% | 1,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5359% | 951 |
| Loan loss allowance to noncurrent loans | 111.8497% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 1.7955% | 2,418 |
| Noncurrent loans to loans | 2.2673% | 2,098 |
| Net loans and leases to total assets | 60.1136% | 3,636 |
| Net loans and leases to deposits | 68.6613% | 3,914 |
| Net loans and leases to core deposits | 70.1865% | 4,253 |
| Total domestic deposits to total assets | 87.5509% | 2,520 |
| Equity capital to assets | 11.1174% | 2,639 |
| Core capital (leverage) ratio | 11.4621% | 1,966 |
| Tier 1 risk-based capital ratio | 17.6733% | 2,449 |
| Total risk-based capital ratio | 18.9387% | 2,407 |
| Memoranda: | ||
| Average total assets | $98,194,000 | 4,860 |
| Average earning assets | $93,401,330 | 4,771 |
| Average equity | $11,332,000 | 4,656 |
| Average total loans | $62,235,670 | 4,593 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5286% | 2,073 |
| Cost of funding earning assets | 0.4908% | 4,170 |
| Net interest margin | 4.0378% | 1,653 |
| Noninterest income to average assets | 0.2986% | 5,313 |
| Noninterest expense to average assets | 2.9405% | 3,190 |
| Loan and lease loss provision to assets | 0.1145% | 2,802 |
| Net operating income to assets | 0.6943% | 3,716 |
| Return on assets (ROA) | 0.7362% | 3,641 |
| Pretax return on assets | 1.1778% | 2,653 |
| Return on Equity (ROE) | 6.2628% | 3,908 |
| Retained earnings to average equity (ytd only) | 6.2628% | 2,533 |
| Net charge-offs to loans | 0.0255% | 3,677 |
| Credit loss provision to net charge-offs | 700.0000% | 403 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 493 |
| Efficiency ratio | 70.5594% | 3,881 |
| Assets per employee ($millions) | 5.1043% | 2,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5890% | 1,022 |
| Loan loss allowance to noncurrent loans | 109.6862% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 1.9272% | 2,434 |
| Noncurrent loans to loans | 2.3604% | 2,211 |
| Net loans and leases to total assets | 62.3827% | 2,985 |
| Net loans and leases to deposits | 72.3079% | 3,139 |
| Net loans and leases to core deposits | 73.7445% | 3,615 |
| Total domestic deposits to total assets | 86.2737% | 3,370 |
| Equity capital to assets | 11.9012% | 2,111 |
| Core capital (leverage) ratio | 11.4494% | 1,907 |
| Tier 1 risk-based capital ratio | 18.0063% | 2,358 |
| Total risk-based capital ratio | 19.2677% | 2,319 |
| Memoranda: | ||
| Average total assets | $97,805,500 | 4,911 |
| Average earning assets | $93,715,500 | 4,804 |
| Average equity | $11,496,500 | 4,675 |
| Average total loans | $62,832,000 | 4,608 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8513% | 2,014 |
| Cost of funding earning assets | 0.6895% | 3,574 |
| Net interest margin | 4.1618% | 1,773 |
| Noninterest income to average assets | 0.3151% | 5,200 |
| Noninterest expense to average assets | 3.0923% | 2,950 |
| Loan and lease loss provision to assets | 0.3590% | 1,854 |
| Net operating income to assets | 0.5903% | 4,280 |
| Return on assets (ROA) | 0.6761% | 4,123 |
| Pretax return on assets | 0.9268% | 3,823 |
| Return on Equity (ROE) | 5.9968% | 4,168 |
| Retained earnings to average equity (ytd only) | 5.9968% | 2,077 |
| Net charge-offs to loans | 0.2445% | 3,477 |
| Credit loss provision to net charge-offs | 232.4503% | 1,064 |
| Earnings coverage of net charge-offs (x) | 7.5629% | 2,569 |
| Efficiency ratio | 72.5810% | 3,310 |
| Assets per employee ($millions) | 5.1910% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4923% | 1,136 |
| Loan loss allowance to noncurrent loans | 106.6667% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 1.9031% | 2,564 |
| Noncurrent loans to loans | 2.3365% | 2,300 |
| Net loans and leases to total assets | 62.8334% | 3,089 |
| Net loans and leases to deposits | 72.2571% | 3,369 |
| Net loans and leases to core deposits | 74.5600% | 3,710 |
| Total domestic deposits to total assets | 86.9582% | 2,861 |
| Equity capital to assets | 11.6102% | 2,337 |
| Core capital (leverage) ratio | 11.1777% | 2,101 |
| Tier 1 risk-based capital ratio | 17.7716% | 2,351 |
| Total risk-based capital ratio | 19.0475% | 2,306 |
| Memoranda: | ||
| Average total assets | $97,759,400 | 4,896 |
| Average earning assets | $92,676,000 | 4,788 |
| Average equity | $11,022,600 | 4,756 |
| Average total loans | $61,767,800 | 4,646 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9122% | 1,967 |
| Cost of funding earning assets | 0.7377% | 3,457 |
| Net interest margin | 4.1745% | 1,809 |
| Noninterest income to average assets | 0.3212% | 5,212 |
| Noninterest expense to average assets | 3.1644% | 2,671 |
| Loan and lease loss provision to assets | 0.3745% | 1,726 |
| Net operating income to assets | 0.5032% | 4,832 |
| Return on assets (ROA) | 0.6069% | 4,621 |
| Pretax return on assets | 0.8776% | 4,202 |
| Return on Equity (ROE) | 5.4234% | 4,632 |
| Retained earnings to average equity (ytd only) | 5.4234% | 3,084 |
| Net charge-offs to loans | 0.3196% | 2,845 |
| Credit loss provision to net charge-offs | 186.3946% | 1,484 |
| Earnings coverage of net charge-offs (x) | 5.4829% | 3,007 |
| Efficiency ratio | 74.1749% | 2,957 |
| Assets per employee ($millions) | 5.0526% | 2,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4152% | 1,329 |
| Loan loss allowance to noncurrent loans | 99.4733% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 2.0760% | 2,559 |
| Noncurrent loans to loans | 2.4280% | 2,364 |
| Net loans and leases to total assets | 63.5958% | 3,096 |
| Net loans and leases to deposits | 73.2232% | 3,411 |
| Net loans and leases to core deposits | 75.0799% | 3,841 |
| Total domestic deposits to total assets | 86.8521% | 2,767 |
| Equity capital to assets | 11.7208% | 2,510 |
| Core capital (leverage) ratio | 10.9854% | 2,400 |
| Tier 1 risk-based capital ratio | 17.5359% | 2,528 |
| Total risk-based capital ratio | 18.8014% | 2,488 |
| Memoranda: | ||
| Average total assets | $97,542,000 | 4,947 |
| Average earning assets | $92,177,000 | 4,843 |
| Average equity | $10,915,500 | 4,824 |
| Average total loans | $61,320,750 | 4,714 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9790% | 1,845 |
| Cost of funding earning assets | 0.7977% | 3,210 |
| Net interest margin | 4.1813% | 1,795 |
| Noninterest income to average assets | 0.3141% | 5,308 |
| Noninterest expense to average assets | 3.0901% | 2,955 |
| Loan and lease loss provision to assets | 0.3304% | 1,985 |
| Net operating income to assets | 0.5373% | 4,639 |
| Return on assets (ROA) | 0.5731% | 4,757 |
| Pretax return on assets | 0.8832% | 4,145 |
| Return on Equity (ROE) | 5.2021% | 4,707 |
| Retained earnings to average equity (ytd only) | 5.2021% | 3,152 |
| Net charge-offs to loans | 0.2036% | 3,356 |
| Credit loss provision to net charge-offs | 261.2903% | 1,100 |
| Earnings coverage of net charge-offs (x) | 9.1613% | 2,199 |
| Efficiency ratio | 72.7316% | 3,293 |
| Assets per employee ($millions) | 4.9459% | 2,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4821% | 1,308 |
| Loan loss allowance to noncurrent loans | 93.5687% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 2.3686% | 2,355 |
| Noncurrent loans to loans | 2.6527% | 2,265 |
| Net loans and leases to total assets | 58.9428% | 3,998 |
| Net loans and leases to deposits | 67.3633% | 4,308 |
| Net loans and leases to core deposits | 69.2097% | 4,637 |
| Total domestic deposits to total assets | 87.4997% | 2,471 |
| Equity capital to assets | 11.1557% | 2,948 |
| Core capital (leverage) ratio | 10.6281% | 2,690 |
| Tier 1 risk-based capital ratio | 17.7436% | 2,383 |
| Total risk-based capital ratio | 19.0019% | 2,347 |
| Memoranda: | ||
| Average total assets | $98,056,000 | 4,953 |
| Average earning assets | $92,267,000 | 4,860 |
| Average equity | $10,803,330 | 4,858 |
| Average total loans | $60,906,670 | 4,743 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1020% | 1,567 |
| Cost of funding earning assets | 0.8328% | 3,203 |
| Net interest margin | 4.2692% | 1,565 |
| Noninterest income to average assets | 0.3237% | 5,281 |
| Noninterest expense to average assets | 3.0320% | 3,148 |
| Loan and lease loss provision to assets | 0.3933% | 1,610 |
| Net operating income to assets | 0.6344% | 4,201 |
| Return on assets (ROA) | 0.7129% | 4,037 |
| Pretax return on assets | 0.9997% | 3,675 |
| Return on Equity (ROE) | 6.5123% | 4,036 |
| Retained earnings to average equity (ytd only) | 6.5123% | 2,683 |
| Net charge-offs to loans | 0.2408% | 2,728 |
| Credit loss provision to net charge-offs | 259.4595% | 1,112 |
| Earnings coverage of net charge-offs (x) | 8.4595% | 1,956 |
| Efficiency ratio | 70.2754% | 3,761 |
| Assets per employee ($millions) | 5.1687% | 2,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3964% | 1,512 |
| Loan loss allowance to noncurrent loans | 92.3816% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 2.2565% | 2,641 |
| Noncurrent loans to loans | 2.5940% | 2,513 |
| Net loans and leases to total assets | 59.8473% | 3,705 |
| Net loans and leases to deposits | 68.2423% | 4,018 |
| Net loans and leases to core deposits | 70.1131% | 4,401 |
| Total domestic deposits to total assets | 87.6982% | 2,530 |
| Equity capital to assets | 11.0229% | 2,880 |
| Core capital (leverage) ratio | 10.7365% | 2,515 |
| Tier 1 risk-based capital ratio | 17.2352% | 2,584 |
| Total risk-based capital ratio | 18.5007% | 2,548 |
| Memoranda: | ||
| Average total assets | $97,625,000 | 4,993 |
| Average earning assets | $91,258,500 | 4,927 |
| Average equity | $10,687,500 | 4,888 |
| Average total loans | $61,465,500 | 4,755 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5332% | 1,089 |
| Cost of funding earning assets | 1.1249% | 2,501 |
| Net interest margin | 4.4084% | 1,377 |
| Noninterest income to average assets | 0.3017% | 5,375 |
| Noninterest expense to average assets | 3.3204% | 2,456 |
| Loan and lease loss provision to assets | 0.5391% | 1,949 |
| Net operating income to assets | 0.3344% | 5,130 |
| Return on assets (ROA) | 0.4268% | 4,944 |
| Pretax return on assets | 0.7788% | 4,058 |
| Return on Equity (ROE) | 3.9242% | 4,885 |
| Retained earnings to average equity (ytd only) | 3.9242% | 3,413 |
| Net charge-offs to loans | 0.3862% | 3,481 |
| Credit loss provision to net charge-offs | 211.7647% | 1,164 |
| Earnings coverage of net charge-offs (x) | 4.6092% | 3,049 |
| Efficiency ratio | 73.8872% | 3,255 |
| Assets per employee ($millions) | 5.1076% | 2,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2068% | 1,788 |
| Loan loss allowance to noncurrent loans | 87.3186% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 2.3072% | 2,616 |
| Noncurrent loans to loans | 2.5273% | 2,606 |
| Net loans and leases to total assets | 63.1985% | 3,351 |
| Net loans and leases to deposits | 71.4181% | 3,883 |
| Net loans and leases to core deposits | 72.2783% | 4,480 |
| Total domestic deposits to total assets | 88.4909% | 1,855 |
| Equity capital to assets | 10.8712% | 3,119 |
| Core capital (leverage) ratio | 10.6797% | 2,543 |
| Tier 1 risk-based capital ratio | 16.8390% | 2,673 |
| Total risk-based capital ratio | 18.0970% | 2,636 |
| Memoranda: | ||
| Average total assets | $93,482,400 | 5,082 |
| Average earning assets | $88,899,000 | 4,967 |
| Average equity | $10,167,800 | 4,972 |
| Average total loans | $61,619,400 | 4,803 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6072% | 1,018 |
| Cost of funding earning assets | 1.1971% | 2,332 |
| Net interest margin | 4.4101% | 1,376 |
| Noninterest income to average assets | 0.3010% | 5,460 |
| Noninterest expense to average assets | 3.2716% | 2,589 |
| Loan and lease loss provision to assets | 0.6134% | 1,605 |
| Net operating income to assets | 0.3428% | 5,240 |
| Return on assets (ROA) | 0.4608% | 4,912 |
| Pretax return on assets | 0.7963% | 4,143 |
| Return on Equity (ROE) | 4.2360% | 4,895 |
| Retained earnings to average equity (ytd only) | 4.2360% | 3,715 |
| Net charge-offs to loans | 0.5064% | 2,734 |
| Credit loss provision to net charge-offs | 182.8326% | 1,622 |
| Earnings coverage of net charge-offs (x) | 3.6524% | 3,351 |
| Efficiency ratio | 72.7506% | 3,413 |
| Assets per employee ($millions) | 4.9568% | 2,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0781% | 2,121 |
| Loan loss allowance to noncurrent loans | 98.2022% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 2.2192% | 2,867 |
| Noncurrent loans to loans | 2.1162% | 3,223 |
| Net loans and leases to total assets | 65.5932% | 2,986 |
| Net loans and leases to deposits | 74.2640% | 3,620 |
| Net loans and leases to core deposits | 75.8888% | 4,205 |
| Total domestic deposits to total assets | 88.3244% | 1,859 |
| Equity capital to assets | 11.1522% | 3,000 |
| Core capital (leverage) ratio | 10.5703% | 2,792 |
| Tier 1 risk-based capital ratio | 16.3994% | 2,913 |
| Total risk-based capital ratio | 17.6413% | 2,881 |
| Memoranda: | ||
| Average total assets | $92,591,750 | 5,151 |
| Average earning assets | $88,098,250 | 5,024 |
| Average equity | $10,072,250 | 5,019 |
| Average total loans | $61,345,500 | 4,856 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6019% | 1,066 |
| Cost of funding earning assets | 1.2723% | 2,105 |
| Net interest margin | 4.3295% | 1,569 |
| Noninterest income to average assets | 0.3085% | 5,425 |
| Noninterest expense to average assets | 3.2152% | 2,844 |
| Loan and lease loss provision to assets | 0.6974% | 1,359 |
| Net operating income to assets | 0.3104% | 5,332 |
| Return on assets (ROA) | 0.3910% | 5,130 |
| Pretax return on assets | 0.6322% | 4,641 |
| Return on Equity (ROE) | 3.6259% | 5,104 |
| Retained earnings to average equity (ytd only) | 3.6259% | 3,924 |
| Net charge-offs to loans | 0.7603% | 1,979 |
| Credit loss provision to net charge-offs | 138.9610% | 2,190 |
| Earnings coverage of net charge-offs (x) | 2.3983% | 3,620 |
| Efficiency ratio | 72.7630% | 3,588 |
| Assets per employee ($millions) | 4.9675% | 2,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9568% | 2,488 |
| Loan loss allowance to noncurrent loans | 316.2304% | 996 |
| Noncurrent assets plus other real estate owned to assets | 1.2449% | 4,408 |
| Noncurrent loans to loans | 0.6188% | 5,687 |
| Net loans and leases to total assets | 64.1266% | 3,434 |
| Net loans and leases to deposits | 73.0993% | 3,933 |
| Net loans and leases to core deposits | 74.2407% | 4,551 |
| Total domestic deposits to total assets | 87.7254% | 2,328 |
| Equity capital to assets | 10.8230% | 3,155 |
| Core capital (leverage) ratio | 10.4568% | 2,757 |
| Tier 1 risk-based capital ratio | 16.1945% | 2,885 |
| Total risk-based capital ratio | 17.4535% | 2,850 |
| Memoranda: | ||
| Average total assets | $92,062,670 | 5,208 |
| Average earning assets | $87,399,670 | 5,082 |
| Average equity | $9,928,670 | 5,064 |
| Average total loans | $60,765,330 | 4,924 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5844% | 1,085 |
| Cost of funding earning assets | 1.3577% | 1,839 |
| Net interest margin | 4.2267% | 1,815 |
| Noninterest income to average assets | 0.2684% | 5,751 |
| Noninterest expense to average assets | 3.1814% | 2,959 |
| Loan and lease loss provision to assets | 0.6160% | 1,392 |
| Net operating income to assets | 0.2888% | 5,463 |
| Return on assets (ROA) | 0.3564% | 5,219 |
| Pretax return on assets | 0.5764% | 4,780 |
| Return on Equity (ROE) | 3.3110% | 5,238 |
| Retained earnings to average equity (ytd only) | 3.3110% | 4,199 |
| Net charge-offs to loans | 0.6237% | 1,952 |
| Credit loss provision to net charge-offs | 148.9362% | 1,920 |
| Earnings coverage of net charge-offs (x) | 2.6277% | 3,029 |
| Efficiency ratio | 74.5361% | 3,419 |
| Assets per employee ($millions) | 4.8255% | 2,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9410% | 2,566 |
| Loan loss allowance to noncurrent loans | 179.6296% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 1.6000% | 3,847 |
| Noncurrent loans to loans | 1.0806% | 4,890 |
| Net loans and leases to total assets | 64.1381% | 3,414 |
| Net loans and leases to deposits | 73.0651% | 3,913 |
| Net loans and leases to core deposits | 73.7672% | 4,554 |
| Total domestic deposits to total assets | 87.7821% | 2,499 |
| Equity capital to assets | 10.7422% | 2,940 |
| Core capital (leverage) ratio | 10.7086% | 2,432 |
| Tier 1 risk-based capital ratio | 15.9310% | 2,935 |
| Total risk-based capital ratio | 17.1891% | 2,900 |
| Memoranda: | ||
| Average total assets | $90,903,000 | 5,266 |
| Average earning assets | $86,025,500 | 5,160 |
| Average equity | $9,785,500 | 5,099 |
| Average total loans | $60,282,000 | 4,992 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8701% | 1,103 |
| Cost of funding earning assets | 1.7657% | 1,319 |
| Net interest margin | 4.1043% | 2,541 |
| Noninterest income to average assets | 0.2834% | 5,750 |
| Noninterest expense to average assets | 3.3723% | 2,520 |
| Loan and lease loss provision to assets | 0.5350% | 3,014 |
| Net operating income to assets | 0.8901% | 2,427 |
| Return on assets (ROA) | 0.9795% | 2,224 |
| Pretax return on assets | 0.3492% | 5,085 |
| Return on Equity (ROE) | 8.9179% | 2,329 |
| Retained earnings to average equity (ytd only) | 8.9179% | 728 |
| Net charge-offs to loans | 0.4281% | 3,906 |
| Credit loss provision to net charge-offs | 182.7309% | 1,806 |
| Earnings coverage of net charge-offs (x) | 2.7149% | 3,727 |
| Efficiency ratio | 80.9255% | 2,291 |
| Assets per employee ($millions) | 4.7432% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8450% | 2,703 |
| Loan loss allowance to noncurrent loans | 150.8772% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 1.6700% | 3,796 |
| Noncurrent loans to loans | 1.2229% | 4,685 |
| Net loans and leases to total assets | 65.9968% | 3,470 |
| Net loans and leases to deposits | 77.0567% | 3,670 |
| Net loans and leases to core deposits | 77.3192% | 4,547 |
| Total domestic deposits to total assets | 85.6471% | 3,527 |
| Equity capital to assets | 10.7877% | 2,871 |
| Core capital (leverage) ratio | 10.9362% | 2,208 |
| Tier 1 risk-based capital ratio | 15.7144% | 2,886 |
| Total risk-based capital ratio | 16.9696% | 2,845 |
| Memoranda: | ||
| Average total assets | $85,046,400 | 5,437 |
| Average earning assets | $80,476,200 | 5,330 |
| Average equity | $9,340,800 | 5,320 |
| Average total loans | $58,166,600 | 5,146 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9077% | 1,121 |
| Cost of funding earning assets | 1.8302% | 1,302 |
| Net interest margin | 4.0775% | 2,726 |
| Noninterest income to average assets | 0.2705% | 5,954 |
| Noninterest expense to average assets | 3.3373% | 2,460 |
| Loan and lease loss provision to assets | 0.5045% | 2,938 |
| Net operating income to assets | 0.2865% | 5,220 |
| Return on assets (ROA) | 0.3056% | 5,318 |
| Pretax return on assets | 0.3056% | 5,490 |
| Return on Equity (ROE) | 2.7688% | 5,319 |
| Retained earnings to average equity (ytd only) | 2.7688% | 4,492 |
| Net charge-offs to loans | 0.3799% | 3,777 |
| Credit loss provision to net charge-offs | 193.2927% | 1,848 |
| Earnings coverage of net charge-offs (x) | 3.0305% | 3,617 |
| Efficiency ratio | 80.8404% | 2,239 |
| Assets per employee ($millions) | 4.6774% | 2,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7573% | 2,950 |
| Loan loss allowance to noncurrent loans | 255.3957% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 1.4009% | 4,352 |
| Noncurrent loans to loans | 0.6881% | 5,829 |
| Net loans and leases to total assets | 66.9960% | 3,463 |
| Net loans and leases to deposits | 78.5416% | 3,726 |
| Net loans and leases to core deposits | 79.3496% | 4,609 |
| Total domestic deposits to total assets | 85.3000% | 3,465 |
| Equity capital to assets | 10.7122% | 3,278 |
| Core capital (leverage) ratio | 10.4985% | 2,691 |
| Tier 1 risk-based capital ratio | 15.2027% | 3,157 |
| Total risk-based capital ratio | 16.4448% | 3,128 |
| Memoranda: | ||
| Average total assets | $83,777,750 | 5,542 |
| Average earning assets | $79,262,250 | 5,428 |
| Average equity | $9,245,500 | 5,416 |
| Average total loans | $57,559,500 | 5,248 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9503% | 1,051 |
| Cost of funding earning assets | 1.8931% | 1,266 |
| Net interest margin | 4.0573% | 2,762 |
| Noninterest income to average assets | 0.2583% | 6,070 |
| Noninterest expense to average assets | 3.3333% | 2,450 |
| Loan and lease loss provision to assets | 0.5312% | 2,660 |
| Net operating income to assets | 0.2217% | 5,491 |
| Return on assets (ROA) | 0.2510% | 5,510 |
| Pretax return on assets | 0.2510% | 5,653 |
| Return on Equity (ROE) | 2.2504% | 5,558 |
| Retained earnings to average equity (ytd only) | 2.2504% | 4,724 |
| Net charge-offs to loans | 0.5306% | 2,945 |
| Credit loss provision to net charge-offs | 145.3333% | 2,732 |
| Earnings coverage of net charge-offs (x) | 2.0600% | 3,994 |
| Efficiency ratio | 81.5742% | 2,224 |
| Assets per employee ($millions) | 4.8596% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6997% | 3,081 |
| Loan loss allowance to noncurrent loans | 6,533.3333% | 65 |
| Noncurrent assets plus other real estate owned to assets | 1.1832% | 4,772 |
| Noncurrent loans to loans | 0.0260% | 7,259 |
| Net loans and leases to total assets | 64.7933% | 4,093 |
| Net loans and leases to deposits | 77.5491% | 4,073 |
| Net loans and leases to core deposits | 78.9304% | 4,814 |
| Total domestic deposits to total assets | 83.5513% | 4,313 |
| Equity capital to assets | 10.7189% | 3,159 |
| Core capital (leverage) ratio | 10.6230% | 2,522 |
| Tier 1 risk-based capital ratio | 15.6564% | 2,822 |
| Total risk-based capital ratio | 16.9196% | 2,781 |
| Memoranda: | ||
| Average total assets | $82,080,000 | 5,626 |
| Average earning assets | $77,441,000 | 5,531 |
| Average equity | $9,154,000 | 5,457 |
| Average total loans | $56,544,330 | 5,332 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0683% | 841 |
| Cost of funding earning assets | 1.9573% | 1,219 |
| Net interest margin | 4.1109% | 2,396 |
| Noninterest income to average assets | 0.2419% | 6,217 |
| Noninterest expense to average assets | 3.4062% | 2,217 |
| Loan and lease loss provision to assets | 0.6399% | 1,981 |
| Net operating income to assets | 0.1008% | 6,018 |
| Return on assets (ROA) | 0.1764% | 5,895 |
| Pretax return on assets | 0.1764% | 5,953 |
| Return on Equity (ROE) | 1.5482% | 5,943 |
| Retained earnings to average equity (ytd only) | 1.5482% | 5,169 |
| Net charge-offs to loans | 0.9002% | 1,772 |
| Credit loss provision to net charge-offs | 100.7937% | 3,364 |
| Earnings coverage of net charge-offs (x) | 1.1667% | 4,065 |
| Efficiency ratio | 82.1385% | 2,257 |
| Assets per employee ($millions) | 4.6548% | 2,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6119% | 3,390 |
| Loan loss allowance to noncurrent loans | 2,341.0256% | 160 |
| Noncurrent assets plus other real estate owned to assets | 1.2639% | 4,649 |
| Noncurrent loans to loans | 0.0689% | 7,220 |
| Net loans and leases to total assets | 66.5135% | 3,744 |
| Net loans and leases to deposits | 78.1405% | 4,016 |
| Net loans and leases to core deposits | 79.5572% | 4,819 |
| Total domestic deposits to total assets | 85.1204% | 3,602 |
| Equity capital to assets | 10.8717% | 2,873 |
| Core capital (leverage) ratio | 11.2264% | 2,075 |
| Tier 1 risk-based capital ratio | 16.2134% | 2,560 |
| Total risk-based capital ratio | 17.4687% | 2,516 |
| Memoranda: | ||
| Average total assets | $79,384,000 | 5,787 |
| Average earning assets | $75,408,500 | 5,654 |
| Average equity | $9,043,000 | 5,533 |
| Average total loans | $55,988,500 | 5,422 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2883% | 1,050 |
| Cost of funding earning assets | 2.5411% | 918 |
| Net interest margin | 3.7472% | 3,922 |
| Noninterest income to average assets | 0.3594% | 5,521 |
| Noninterest expense to average assets | 3.8144% | 1,672 |
| Loan and lease loss provision to assets | 0.7059% | 2,999 |
| Net operating income to assets | -0.5842% | 6,253 |
| Return on assets (ROA) | -0.4696% | 6,142 |
| Pretax return on assets | -0.4696% | 5,984 |
| Return on Equity (ROE) | -3.7913% | 6,095 |
| Retained earnings to average equity (ytd only) | -3.7913% | 5,840 |
| Net charge-offs to loans | 0.6102% | 3,387 |
| Credit loss provision to net charge-offs | 154.5455% | 2,951 |
| Earnings coverage of net charge-offs (x) | 0.2665% | 5,847 |
| Efficiency ratio | 96.9080% | 1,276 |
| Assets per employee ($millions) | 3.9464% | 3,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6481% | 3,093 |
| Loan loss allowance to noncurrent loans | 79.1667% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.7551% | 3,741 |
| Noncurrent loans to loans | 2.0819% | 3,548 |
| Net loans and leases to total assets | 72.5814% | 2,610 |
| Net loans and leases to deposits | 87.0044% | 2,737 |
| Net loans and leases to core deposits | 133.8490% | 1,060 |
| Total domestic deposits to total assets | 83.4227% | 4,320 |
| Equity capital to assets | 11.9722% | 2,049 |
| Core capital (leverage) ratio | 11.8265% | 1,747 |
| Tier 1 risk-based capital ratio | 17.0002% | 2,147 |
| Total risk-based capital ratio | 18.2555% | 2,113 |
| Memoranda: | ||
| Average total assets | $69,841,000 | 6,008 |
| Average earning assets | $66,663,600 | 5,907 |
| Average equity | $8,651,400 | 5,718 |
| Average total loans | $52,273,800 | 5,577 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3232% | 1,084 |
| Cost of funding earning assets | 2.6455% | 920 |
| Net interest margin | 3.6776% | 4,177 |
| Noninterest income to average assets | 0.3967% | 5,313 |
| Noninterest expense to average assets | 3.8936% | 1,438 |
| Loan and lease loss provision to assets | 0.8713% | 2,203 |
| Net operating income to assets | -0.8616% | 6,735 |
| Return on assets (ROA) | -0.7060% | 6,625 |
| Pretax return on assets | -0.7060% | 6,490 |
| Return on Equity (ROE) | -5.6475% | 6,518 |
| Retained earnings to average equity (ytd only) | -5.6475% | 6,342 |
| Net charge-offs to loans | 0.6316% | 2,787 |
| Credit loss provision to net charge-offs | 183.6066% | 2,489 |
| Earnings coverage of net charge-offs (x) | 0.0205% | 6,034 |
| Efficiency ratio | 99.7509% | 1,071 |
| Assets per employee ($millions) | 3.8413% | 4,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7671% | 2,391 |
| Loan loss allowance to noncurrent loans | 204.7826% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.8057% | 5,487 |
| Noncurrent loans to loans | 0.8629% | 5,567 |
| Net loans and leases to total assets | 71.7513% | 3,091 |
| Net loans and leases to deposits | 87.3890% | 3,076 |
| Net loans and leases to core deposits | 128.7639% | 1,519 |
| Total domestic deposits to total assets | 82.1057% | 4,640 |
| Equity capital to assets | 12.4849% | 1,968 |
| Core capital (leverage) ratio | 12.2522% | 1,683 |
| Tier 1 risk-based capital ratio | 17.2609% | 2,197 |
| Total risk-based capital ratio | 18.5184% | 2,140 |
| Memoranda: | ||
| Average total assets | $68,555,750 | 6,087 |
| Average earning assets | $65,366,500 | 5,986 |
| Average equity | $8,570,000 | 5,794 |
| Average total loans | $51,508,500 | 5,646 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2847% | 1,250 |
| Cost of funding earning assets | 2.7103% | 1,007 |
| Net interest margin | 3.5744% | 4,473 |
| Noninterest income to average assets | 0.4741% | 4,682 |
| Noninterest expense to average assets | 3.9684% | 1,373 |
| Loan and lease loss provision to assets | 0.2952% | 4,203 |
| Net operating income to assets | -0.3488% | 6,393 |
| Return on assets (ROA) | -0.1372% | 6,109 |
| Pretax return on assets | -0.1372% | 6,044 |
| Return on Equity (ROE) | -1.0966% | 6,084 |
| Retained earnings to average equity (ytd only) | -1.0966% | 5,509 |
| Net charge-offs to loans | 0.4086% | 3,157 |
| Credit loss provision to net charge-offs | 95.1923% | 4,766 |
| Earnings coverage of net charge-offs (x) | -0.1731% | 5,861 |
| Efficiency ratio | 101.3709% | 1,109 |
| Assets per employee ($millions) | 3.5967% | 4,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3956% | 3,746 |
| Loan loss allowance to noncurrent loans | 156.6239% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.8721% | 5,246 |
| Noncurrent loans to loans | 0.8911% | 5,433 |
| Net loans and leases to total assets | 75.7847% | 2,231 |
| Net loans and leases to deposits | 91.5404% | 2,563 |
| Net loans and leases to core deposits | 135.1629% | 1,256 |
| Total domestic deposits to total assets | 82.7882% | 4,342 |
| Equity capital to assets | 12.2101% | 2,082 |
| Core capital (leverage) ratio | 12.0598% | 1,808 |
| Tier 1 risk-based capital ratio | 16.3804% | 2,488 |
| Total risk-based capital ratio | 17.6330% | 2,436 |
| Memoranda: | ||
| Average total assets | $67,079,670 | 6,188 |
| Average earning assets | $64,569,670 | 6,060 |
| Average equity | $8,389,330 | 5,886 |
| Average total loans | $50,908,330 | 5,725 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2157% | 1,552 |
| Cost of funding earning assets | 2.7314% | 1,165 |
| Net interest margin | 3.4843% | 4,788 |
| Noninterest income to average assets | 0.3792% | 5,395 |
| Noninterest expense to average assets | 3.9006% | 1,308 |
| Loan and lease loss provision to assets | 0.3251% | 3,371 |
| Net operating income to assets | -0.4755% | 6,851 |
| Return on assets (ROA) | -0.0482% | 6,458 |
| Pretax return on assets | -0.0482% | 6,429 |
| Return on Equity (ROE) | -0.3804% | 6,455 |
| Retained earnings to average equity (ytd only) | -0.3804% | 5,739 |
| Net charge-offs to loans | 0.6227% | 1,933 |
| Credit loss provision to net charge-offs | 69.2308% | 4,369 |
| Earnings coverage of net charge-offs (x) | -0.3205% | 5,192 |
| Efficiency ratio | 104.0128% | 986 |
| Assets per employee ($millions) | 3.5476% | 4,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 3,339 |
| Loan loss allowance to noncurrent loans | 105.1546% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 1.0563% | 4,574 |
| Noncurrent loans to loans | 1.3607% | 4,279 |
| Net loans and leases to total assets | 72.9723% | 3,009 |
| Net loans and leases to deposits | 88.5359% | 3,191 |
| Net loans and leases to core deposits | 136.2445% | 1,291 |
| Total domestic deposits to total assets | 82.4212% | 4,399 |
| Equity capital to assets | 12.4694% | 1,991 |
| Core capital (leverage) ratio | 12.5288% | 1,675 |
| Tier 1 risk-based capital ratio | 17.1842% | 2,284 |
| Total risk-based capital ratio | 18.4370% | 2,221 |
| Memoranda: | ||
| Average total assets | $66,451,000 | 6,236 |
| Average earning assets | $64,288,500 | 6,094 |
| Average equity | $8,412,000 | 5,916 |
| Average total loans | $50,101,500 | 5,792 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8995% | 1,400 |
| Cost of funding earning assets | 3.0861% | 1,550 |
| Net interest margin | 3.8134% | 3,961 |
| Noninterest income to average assets | 0.3860% | 5,589 |
| Noninterest expense to average assets | 4.3425% | 999 |
| Loan and lease loss provision to assets | 0.2956% | 4,019 |
| Net operating income to assets | -0.5666% | 6,975 |
| Return on assets (ROA) | -0.5288% | 6,820 |
| Pretax return on assets | -0.5288% | 6,675 |
| Return on Equity (ROE) | -3.8119% | 6,721 |
| Retained earnings to average equity (ytd only) | -3.8119% | 6,284 |
| Net charge-offs to loans | 0.0417% | 6,194 |
| Credit loss provision to net charge-offs | 947.3684% | 467 |
| Earnings coverage of net charge-offs (x) | -8.6842% | 6,885 |
| Efficiency ratio | 106.6559% | 795 |
| Assets per employee ($millions) | 3.6387% | 4,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4671% | 2,846 |
| Loan loss allowance to noncurrent loans | 115.1326% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.9985% | 4,338 |
| Noncurrent loans to loans | 1.2743% | 3,959 |
| Net loans and leases to total assets | 75.6737% | 2,712 |
| Net loans and leases to deposits | 94.0958% | 2,745 |
| Net loans and leases to core deposits | 147.8155% | 946 |
| Total domestic deposits to total assets | 80.4220% | 4,861 |
| Equity capital to assets | 12.8540% | 1,846 |
| Core capital (leverage) ratio | 12.7008% | 1,668 |
| Tier 1 risk-based capital ratio | 17.1648% | 2,259 |
| Total risk-based capital ratio | 18.4183% | 2,213 |
| Memoranda: | ||
| Average total assets | $60,887,000 | 6,355 |
| Average earning assets | $58,844,800 | 6,225 |
| Average equity | $8,447,200 | 5,925 |
| Average total loans | $45,593,000 | 5,899 |