Home > Summit Bank of Kansas City > Performance and Condition Ratios
Summit Bank of Kansas City, Performance and Condition Ratios
| 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 | 5.8377% | 317 |
| Cost of funding earning assets | 1.0892% | 1,341 |
| Net interest margin | 4.7484% | 449 |
| Noninterest income to average assets | 0.2260% | 4,393 |
| Noninterest expense to average assets | 4.8337% | 239 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.4227% | 5,182 |
| Return on assets (ROA) | -0.4227% | 5,186 |
| Pretax return on assets | -0.1925% | 5,145 |
| Return on Equity (ROE) | -3.6504% | 5,192 |
| Retained earnings to average equity (ytd only) | -3.6504% | 5,002 |
| Net charge-offs to loans | 0.4458% | 366 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | -0.5287% | 3,114 |
| Efficiency ratio | 104.1479% | 129 |
| Assets per employee ($millions) | 3.4195% | 4,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4964% | 5,022 |
| Loan loss allowance to noncurrent loans | 72.3485% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 0.5147% | 2,495 |
| Noncurrent loans to loans | 0.6861% | 2,259 |
| Net loans and leases to total assets | 74.6413% | 1,777 |
| Net loans and leases to deposits | 83.6922% | 2,523 |
| Net loans and leases to core deposits | 90.1608% | 2,583 |
| Total domestic deposits to total assets | 89.1854% | 597 |
| Equity capital to assets | 10.6547% | 3,379 |
| Core capital (leverage) ratio | 10.1843% | 3,402 |
| Tier 1 risk-based capital ratio | 14.0610% | 3,290 |
| Total risk-based capital ratio | 14.6023% | 3,557 |
| Memoranda: | ||
| Average total assets | $47,789,000 | 4,894 |
| Average earning assets | $44,435,670 | 4,885 |
| Average equity | $5,533,670 | 4,915 |
| Average total loans | $39,034,000 | 4,519 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8495% | 281 |
| Cost of funding earning assets | 1.0482% | 1,385 |
| Net interest margin | 4.8013% | 410 |
| Noninterest income to average assets | 0.4518% | 2,843 |
| Noninterest expense to average assets | 4.8656% | 225 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.0434% | 5,122 |
| Return on assets (ROA) | 0.0434% | 5,125 |
| Pretax return on assets | 0.0434% | 5,124 |
| Return on Equity (ROE) | 0.3592% | 5,128 |
| Retained earnings to average equity (ytd only) | 0.3592% | 4,464 |
| Net charge-offs to loans | -0.0203% | 4,493 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1150% | 189 |
| Assets per employee ($millions) | 2.6709% | 5,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7005% | 4,778 |
| Loan loss allowance to noncurrent loans | 21.6487% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 2.8587% | 228 |
| Noncurrent loans to loans | 3.2359% | 309 |
| Net loans and leases to total assets | 87.7219% | 109 |
| Net loans and leases to deposits | 100.1408% | 625 |
| Net loans and leases to core deposits | 109.7122% | 948 |
| Total domestic deposits to total assets | 87.5986% | 1,517 |
| Equity capital to assets | 12.2671% | 1,863 |
| Core capital (leverage) ratio | 10.9209% | 2,646 |
| Tier 1 risk-based capital ratio | 13.6730% | 3,507 |
| Total risk-based capital ratio | 14.4402% | 3,689 |
| Memoranda: | ||
| Average total assets | $46,037,500 | 4,976 |
| Average earning assets | $42,738,500 | 4,965 |
| Average equity | $5,568,000 | 4,949 |
| Average total loans | $39,313,000 | 4,561 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8601% | 214 |
| Cost of funding earning assets | 0.9381% | 971 |
| Net interest margin | 4.9220% | 310 |
| Noninterest income to average assets | 0.3958% | 3,465 |
| Noninterest expense to average assets | 4.7931% | 239 |
| Loan and lease loss provision to assets | 0.2125% | 870 |
| Net operating income to assets | -0.0521% | 5,246 |
| Return on assets (ROA) | -0.0521% | 5,242 |
| Pretax return on assets | -0.0521% | 5,239 |
| Return on Equity (ROE) | -0.4424% | 5,246 |
| Retained earnings to average equity (ytd only) | -0.4424% | 5,038 |
| Net charge-offs to loans | 0.3569% | 533 |
| Credit loss provision to net charge-offs | 70.3448% | 2,987 |
| Earnings coverage of net charge-offs (x) | 0.5310% | 3,691 |
| Efficiency ratio | 96.7620% | 197 |
| Assets per employee ($millions) | 2.9168% | 5,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7218% | 4,757 |
| Loan loss allowance to noncurrent loans | 20.5621% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 2.8970% | 228 |
| Noncurrent loans to loans | 3.5104% | 254 |
| Net loans and leases to total assets | 81.9302% | 662 |
| Net loans and leases to deposits | 93.1427% | 1,384 |
| Net loans and leases to core deposits | 102.5451% | 1,539 |
| Total domestic deposits to total assets | 87.9620% | 1,313 |
| Equity capital to assets | 11.9265% | 1,956 |
| Core capital (leverage) ratio | 10.3797% | 3,159 |
| Tier 1 risk-based capital ratio | 13.7358% | 3,418 |
| Total risk-based capital ratio | 14.5007% | 3,579 |
| Memoranda: | ||
| Average total assets | $48,006,600 | 4,975 |
| Average earning assets | $44,453,200 | 4,967 |
| Average equity | $5,651,400 | 4,948 |
| Average total loans | $40,629,400 | 4,534 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7196% | 252 |
| Cost of funding earning assets | 0.8962% | 940 |
| Net interest margin | 4.8234% | 360 |
| Noninterest income to average assets | 0.7557% | 1,653 |
| Noninterest expense to average assets | 4.8322% | 228 |
| Loan and lease loss provision to assets | 0.1296% | 1,555 |
| Net operating income to assets | 0.2620% | 5,140 |
| Return on assets (ROA) | 0.2620% | 5,134 |
| Pretax return on assets | 0.2620% | 5,170 |
| Return on Equity (ROE) | 2.2328% | 5,106 |
| Retained earnings to average equity (ytd only) | 2.2328% | 4,490 |
| Net charge-offs to loans | 0.5539% | 269 |
| Credit loss provision to net charge-offs | 27.4854% | 2,978 |
| Earnings coverage of net charge-offs (x) | 0.8304% | 3,388 |
| Efficiency ratio | 92.5026% | 271 |
| Assets per employee ($millions) | 3.2156% | 4,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4854% | 5,204 |
| Loan loss allowance to noncurrent loans | 14.0725% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 2.9170% | 256 |
| Noncurrent loans to loans | 3.4494% | 282 |
| Net loans and leases to total assets | 84.1564% | 438 |
| Net loans and leases to deposits | 95.5556% | 1,203 |
| Net loans and leases to core deposits | 105.8186% | 1,323 |
| Total domestic deposits to total assets | 88.0707% | 1,212 |
| Equity capital to assets | 11.7863% | 2,044 |
| Core capital (leverage) ratio | 10.2375% | 3,361 |
| Tier 1 risk-based capital ratio | 12.4554% | 4,221 |
| Total risk-based capital ratio | 12.9525% | 4,555 |
| Memoranda: | ||
| Average total assets | $48,341,000 | 5,021 |
| Average earning assets | $44,780,250 | 5,014 |
| Average equity | $5,672,750 | 5,004 |
| Average total loans | $41,158,250 | 4,561 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7815% | 206 |
| Cost of funding earning assets | 0.8463% | 934 |
| Net interest margin | 4.9352% | 277 |
| Noninterest income to average assets | 1.0873% | 818 |
| Noninterest expense to average assets | 4.7213% | 253 |
| Loan and lease loss provision to assets | 0.1819% | 985 |
| Net operating income to assets | 0.7648% | 3,978 |
| Return on assets (ROA) | 0.7648% | 3,984 |
| Pretax return on assets | 0.7648% | 4,350 |
| Return on Equity (ROE) | 6.5271% | 4,052 |
| Retained earnings to average equity (ytd only) | 6.5271% | 2,298 |
| Net charge-offs to loans | -0.0242% | 4,651 |
| Credit loss provision to net charge-offs | -880.0000% | 4,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2969% | 739 |
| Assets per employee ($millions) | 2.7564% | 5,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9109% | 4,290 |
| Loan loss allowance to noncurrent loans | 213.2184% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.3507% | 3,348 |
| Noncurrent loans to loans | 0.4272% | 3,173 |
| Net loans and leases to total assets | 81.3444% | 802 |
| Net loans and leases to deposits | 92.1922% | 1,561 |
| Net loans and leases to core deposits | 104.3569% | 1,368 |
| Total domestic deposits to total assets | 88.2334% | 1,255 |
| Equity capital to assets | 11.6416% | 2,098 |
| Core capital (leverage) ratio | 10.1748% | 3,392 |
| Tier 1 risk-based capital ratio | 13.2027% | 3,790 |
| Total risk-based capital ratio | 14.1837% | 3,853 |
| Memoranda: | ||
| Average total assets | $48,376,670 | 5,081 |
| Average earning assets | $44,902,000 | 5,073 |
| Average equity | $5,668,670 | 5,056 |
| Average total loans | $41,281,000 | 4,604 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7078% | 208 |
| Cost of funding earning assets | 0.7414% | 1,225 |
| Net interest margin | 4.9664% | 242 |
| Noninterest income to average assets | 0.4188% | 3,325 |
| Noninterest expense to average assets | 4.6234% | 267 |
| Loan and lease loss provision to assets | 0.0335% | 3,057 |
| Net operating income to assets | 0.4188% | 4,891 |
| Return on assets (ROA) | 0.4188% | 4,895 |
| Pretax return on assets | 0.4188% | 5,008 |
| Return on Equity (ROE) | 3.5619% | 4,878 |
| Retained earnings to average equity (ytd only) | 3.5619% | 3,779 |
| Net charge-offs to loans | -0.0385% | 4,853 |
| Credit loss provision to net charge-offs | -100.0000% | 3,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0891% | 396 |
| Assets per employee ($millions) | 3.4470% | 4,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7854% | 4,823 |
| Loan loss allowance to noncurrent loans | 189.0805% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.3606% | 3,394 |
| Noncurrent loans to loans | 0.4154% | 3,294 |
| Net loans and leases to total assets | 86.1163% | 247 |
| Net loans and leases to deposits | 97.6021% | 901 |
| Net loans and leases to core deposits | 118.8118% | 620 |
| Total domestic deposits to total assets | 88.2320% | 1,488 |
| Equity capital to assets | 11.6872% | 2,003 |
| Core capital (leverage) ratio | 10.2284% | 3,266 |
| Tier 1 risk-based capital ratio | 12.9468% | 3,980 |
| Total risk-based capital ratio | 13.8211% | 4,099 |
| Memoranda: | ||
| Average total assets | $47,757,500 | 5,150 |
| Average earning assets | $44,781,000 | 5,134 |
| Average equity | $5,615,000 | 5,118 |
| Average total loans | $41,556,500 | 4,642 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3482% | 336 |
| Cost of funding earning assets | 0.5407% | 2,024 |
| Net interest margin | 4.8076% | 350 |
| Noninterest income to average assets | 0.8895% | 1,304 |
| Noninterest expense to average assets | 4.9253% | 229 |
| Loan and lease loss provision to assets | -0.1149% | 5,495 |
| Net operating income to assets | 0.6160% | 3,948 |
| Return on assets (ROA) | 0.6160% | 3,989 |
| Pretax return on assets | 0.6160% | 4,704 |
| Return on Equity (ROE) | 4.9341% | 4,189 |
| Retained earnings to average equity (ytd only) | 4.9341% | 2,164 |
| Net charge-offs to loans | -0.0971% | 5,366 |
| Credit loss provision to net charge-offs | 142.8571% | 1,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7666% | 394 |
| Assets per employee ($millions) | 3.1505% | 5,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7786% | 4,888 |
| Loan loss allowance to noncurrent loans | 96.9789% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 0.7004% | 2,219 |
| Noncurrent loans to loans | 0.8029% | 2,206 |
| Net loans and leases to total assets | 86.5586% | 216 |
| Net loans and leases to deposits | 98.2655% | 882 |
| Net loans and leases to core deposits | 113.5272% | 817 |
| Total domestic deposits to total assets | 88.0864% | 1,454 |
| Equity capital to assets | 11.8289% | 1,964 |
| Core capital (leverage) ratio | 11.1381% | 2,205 |
| Tier 1 risk-based capital ratio | 13.1848% | 3,802 |
| Total risk-based capital ratio | 14.0384% | 3,935 |
| Memoranda: | ||
| Average total assets | $43,509,800 | 5,280 |
| Average earning assets | $41,060,200 | 5,249 |
| Average equity | $5,431,600 | 5,195 |
| Average total loans | $36,043,000 | 4,843 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3756% | 310 |
| Cost of funding earning assets | 0.5266% | 2,065 |
| Net interest margin | 4.8490% | 298 |
| Noninterest income to average assets | 1.1024% | 838 |
| Noninterest expense to average assets | 5.1956% | 200 |
| Loan and lease loss provision to assets | -0.1566% | 5,632 |
| Net operating income to assets | 0.6483% | 4,197 |
| Return on assets (ROA) | 0.6483% | 4,254 |
| Pretax return on assets | 0.6483% | 4,731 |
| Return on Equity (ROE) | 5.1185% | 4,490 |
| Retained earnings to average equity (ytd only) | 5.1185% | 2,802 |
| Net charge-offs to loans | -0.1458% | 5,471 |
| Credit loss provision to net charge-offs | 131.5789% | 1,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3546% | 363 |
| Assets per employee ($millions) | 3.5338% | 4,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8799% | 4,648 |
| Loan loss allowance to noncurrent loans | 623.0769% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.1132% | 4,679 |
| Noncurrent loans to loans | 0.1412% | 4,489 |
| Net loans and leases to total assets | 79.4471% | 1,060 |
| Net loans and leases to deposits | 90.3863% | 1,763 |
| Net loans and leases to core deposits | 99.8878% | 1,717 |
| Total domestic deposits to total assets | 87.8973% | 1,418 |
| Equity capital to assets | 12.0353% | 1,944 |
| Core capital (leverage) ratio | 11.2395% | 2,229 |
| Tier 1 risk-based capital ratio | 13.9754% | 3,450 |
| Total risk-based capital ratio | 14.9063% | 3,540 |
| Memoranda: | ||
| Average total assets | $42,573,000 | 5,353 |
| Average earning assets | $40,255,000 | 5,323 |
| Average equity | $5,392,000 | 5,261 |
| Average total loans | $34,747,250 | 4,926 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4001% | 277 |
| Cost of funding earning assets | 0.5080% | 2,106 |
| Net interest margin | 4.8921% | 268 |
| Noninterest income to average assets | 0.8154% | 1,514 |
| Noninterest expense to average assets | 5.3895% | 187 |
| Loan and lease loss provision to assets | -0.2413% | 5,717 |
| Net operating income to assets | 0.3136% | 5,190 |
| Return on assets (ROA) | 0.3136% | 5,212 |
| Pretax return on assets | 0.3136% | 5,319 |
| Return on Equity (ROE) | 2.4316% | 5,250 |
| Retained earnings to average equity (ytd only) | 2.4316% | 4,227 |
| Net charge-offs to loans | -0.2232% | 5,593 |
| Credit loss provision to net charge-offs | 131.5789% | 1,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6749% | 205 |
| Assets per employee ($millions) | 2.8715% | 5,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9073% | 4,613 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 82.1601% | 646 |
| Net loans and leases to deposits | 93.9446% | 1,270 |
| Net loans and leases to core deposits | 102.1476% | 1,495 |
| Total domestic deposits to total assets | 87.4559% | 1,744 |
| Equity capital to assets | 12.5093% | 1,616 |
| Core capital (leverage) ratio | 11.5132% | 1,962 |
| Tier 1 risk-based capital ratio | 13.7509% | 3,563 |
| Total risk-based capital ratio | 14.6926% | 3,642 |
| Memoranda: | ||
| Average total assets | $41,450,670 | 5,416 |
| Average earning assets | $39,369,670 | 5,382 |
| Average equity | $5,346,330 | 5,303 |
| Average total loans | $34,055,670 | 4,981 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1853% | 388 |
| Cost of funding earning assets | 0.4938% | 2,144 |
| Net interest margin | 4.6914% | 378 |
| Noninterest income to average assets | 0.6693% | 2,092 |
| Noninterest expense to average assets | 5.5906% | 184 |
| Loan and lease loss provision to assets | -0.4921% | 5,829 |
| Net operating income to assets | 0.0591% | 5,556 |
| Return on assets (ROA) | 0.0591% | 5,563 |
| Pretax return on assets | 0.0591% | 5,562 |
| Return on Equity (ROE) | 0.4507% | 5,572 |
| Retained earnings to average equity (ytd only) | 0.4507% | 4,816 |
| Net charge-offs to loans | -0.0602% | 5,266 |
| Credit loss provision to net charge-offs | 1,000.0000% | 309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.3969% | 141 |
| Assets per employee ($millions) | 2.7276% | 5,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8642% | 4,880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 81.5907% | 614 |
| Net loans and leases to deposits | 93.8514% | 1,121 |
| Net loans and leases to core deposits | 98.7750% | 1,602 |
| Total domestic deposits to total assets | 86.9360% | 2,247 |
| Equity capital to assets | 13.0224% | 1,249 |
| Core capital (leverage) ratio | 11.7035% | 1,827 |
| Tier 1 risk-based capital ratio | 15.1513% | 2,898 |
| Total risk-based capital ratio | 16.0983% | 2,970 |
| Memoranda: | ||
| Average total assets | $40,640,000 | 5,490 |
| Average earning assets | $38,879,500 | 5,451 |
| Average equity | $5,325,500 | 5,353 |
| Average total loans | $33,227,500 | 5,048 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0389% | 554 |
| Cost of funding earning assets | 0.4667% | 2,387 |
| Net interest margin | 4.5722% | 530 |
| Noninterest income to average assets | 2.3306% | 277 |
| Noninterest expense to average assets | 5.1337% | 242 |
| Loan and lease loss provision to assets | 0.0974% | 2,424 |
| Net operating income to assets | 1.4417% | 932 |
| Return on assets (ROA) | 1.4417% | 957 |
| Pretax return on assets | 1.4417% | 1,776 |
| Return on Equity (ROE) | 11.8272% | 1,299 |
| Retained earnings to average equity (ytd only) | 11.8272% | 231 |
| Net charge-offs to loans | 0.0480% | 3,084 |
| Credit loss provision to net charge-offs | 250.0000% | 1,154 |
| Earnings coverage of net charge-offs (x) | 39.5000% | 1,186 |
| Efficiency ratio | 76.9343% | 1,860 |
| Assets per employee ($millions) | 2.8833% | 5,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0250% | 4,167 |
| Loan loss allowance to noncurrent loans | 11,200.0000% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 5,355 |
| Noncurrent loans to loans | 0.0092% | 5,260 |
| Net loans and leases to total assets | 80.3795% | 834 |
| Net loans and leases to deposits | 92.6367% | 1,350 |
| Net loans and leases to core deposits | 97.5702% | 1,795 |
| Total domestic deposits to total assets | 86.7686% | 2,254 |
| Equity capital to assets | 13.1868% | 1,179 |
| Core capital (leverage) ratio | 11.7352% | 1,769 |
| Tier 1 risk-based capital ratio | 15.7088% | 2,668 |
| Total risk-based capital ratio | 16.8047% | 2,657 |
| Memoranda: | ||
| Average total assets | $41,062,000 | 5,523 |
| Average earning assets | $38,996,800 | 5,489 |
| Average equity | $5,005,400 | 5,467 |
| Average total loans | $33,367,600 | 5,089 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0178% | 583 |
| Cost of funding earning assets | 0.4571% | 2,485 |
| Net interest margin | 4.5607% | 543 |
| Noninterest income to average assets | 2.2181% | 305 |
| Noninterest expense to average assets | 5.1022% | 250 |
| Loan and lease loss provision to assets | 0.1293% | 1,811 |
| Net operating income to assets | 1.3095% | 1,262 |
| Return on assets (ROA) | 1.3095% | 1,351 |
| Pretax return on assets | 1.3095% | 2,392 |
| Return on Equity (ROE) | 10.9620% | 1,685 |
| Retained earnings to average equity (ytd only) | 10.9620% | 435 |
| Net charge-offs to loans | 0.2148% | 1,081 |
| Credit loss provision to net charge-offs | 74.0741% | 2,740 |
| Earnings coverage of net charge-offs (x) | 8.2406% | 2,791 |
| Efficiency ratio | 78.0030% | 1,691 |
| Assets per employee ($millions) | 3.2173% | 5,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8818% | 4,926 |
| Loan loss allowance to noncurrent loans | 3,311.1111% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 5,274 |
| Noncurrent loans to loans | 0.0266% | 5,278 |
| Net loans and leases to total assets | 80.0909% | 881 |
| Net loans and leases to deposits | 91.4047% | 1,581 |
| Net loans and leases to core deposits | 97.5083% | 1,860 |
| Total domestic deposits to total assets | 87.6222% | 1,600 |
| Equity capital to assets | 12.2797% | 1,912 |
| Core capital (leverage) ratio | 11.3137% | 2,182 |
| Tier 1 risk-based capital ratio | 14.6061% | 3,230 |
| Total risk-based capital ratio | 15.5462% | 3,329 |
| Memoranda: | ||
| Average total assets | $41,236,000 | 5,573 |
| Average earning assets | $39,086,500 | 5,540 |
| Average equity | $4,926,000 | 5,537 |
| Average total loans | $33,514,000 | 5,135 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9304% | 673 |
| Cost of funding earning assets | 0.4524% | 2,545 |
| Net interest margin | 4.4780% | 644 |
| Noninterest income to average assets | 2.1881% | 304 |
| Noninterest expense to average assets | 4.9952% | 266 |
| Loan and lease loss provision to assets | 0.1949% | 1,115 |
| Net operating income to assets | 1.2427% | 1,453 |
| Return on assets (ROA) | 1.2427% | 1,561 |
| Pretax return on assets | 1.2427% | 2,627 |
| Return on Equity (ROE) | 10.5025% | 1,849 |
| Retained earnings to average equity (ytd only) | 10.5025% | 504 |
| Net charge-offs to loans | 0.0299% | 2,876 |
| Credit loss provision to net charge-offs | 800.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 896 |
| Efficiency ratio | 77.6515% | 1,843 |
| Assets per employee ($millions) | 2.9197% | 5,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9903% | 4,579 |
| Loan loss allowance to noncurrent loans | 201.7442% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.4208% | 3,826 |
| Noncurrent loans to loans | 0.4909% | 3,610 |
| Net loans and leases to total assets | 84.8762% | 345 |
| Net loans and leases to deposits | 96.8133% | 984 |
| Net loans and leases to core deposits | 102.6602% | 1,421 |
| Total domestic deposits to total assets | 87.6700% | 1,590 |
| Equity capital to assets | 12.1979% | 1,972 |
| Core capital (leverage) ratio | 11.3524% | 2,098 |
| Tier 1 risk-based capital ratio | 13.5255% | 3,887 |
| Total risk-based capital ratio | 14.5717% | 3,922 |
| Memoranda: | ||
| Average total assets | $41,039,670 | 5,636 |
| Average earning assets | $38,901,670 | 5,606 |
| Average equity | $4,856,000 | 5,605 |
| Average total loans | $33,420,000 | 5,191 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6666% | 1,116 |
| Cost of funding earning assets | 0.4464% | 2,624 |
| Net interest margin | 4.2202% | 1,060 |
| Noninterest income to average assets | 2.1984% | 301 |
| Noninterest expense to average assets | 5.0582% | 263 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1867% | 1,602 |
| Return on assets (ROA) | 1.1867% | 1,699 |
| Pretax return on assets | 1.1867% | 2,755 |
| Return on Equity (ROE) | 10.1858% | 1,913 |
| Retained earnings to average equity (ytd only) | 10.1858% | 813 |
| Net charge-offs to loans | -0.0981% | 5,625 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9969% | 1,484 |
| Assets per employee ($millions) | 2.9326% | 5,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9688% | 4,769 |
| Loan loss allowance to noncurrent loans | 191.6168% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.4068% | 3,963 |
| Noncurrent loans to loans | 0.5056% | 3,660 |
| Net loans and leases to total assets | 79.6673% | 866 |
| Net loans and leases to deposits | 90.5089% | 1,517 |
| Net loans and leases to core deposits | 95.5593% | 1,840 |
| Total domestic deposits to total assets | 88.0215% | 1,627 |
| Equity capital to assets | 11.8177% | 2,140 |
| Core capital (leverage) ratio | 10.7764% | 2,645 |
| Tier 1 risk-based capital ratio | 13.7536% | 3,834 |
| Total risk-based capital ratio | 14.7646% | 3,895 |
| Memoranda: | ||
| Average total assets | $41,121,500 | 5,691 |
| Average earning assets | $39,429,500 | 5,646 |
| Average equity | $4,791,000 | 5,658 |
| Average total loans | $32,609,500 | 5,251 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6728% | 1,172 |
| Cost of funding earning assets | 0.4430% | 2,705 |
| Net interest margin | 4.2298% | 1,103 |
| Noninterest income to average assets | 2.4239% | 274 |
| Noninterest expense to average assets | 5.1632% | 250 |
| Loan and lease loss provision to assets | 0.1788% | 1,266 |
| Net operating income to assets | 1.1126% | 1,865 |
| Return on assets (ROA) | 1.1126% | 1,927 |
| Pretax return on assets | 1.1126% | 2,986 |
| Return on Equity (ROE) | 10.1211% | 1,967 |
| Retained earnings to average equity (ytd only) | 10.1211% | 450 |
| Net charge-offs to loans | 0.7655% | 299 |
| Credit loss provision to net charge-offs | 29.2683% | 3,665 |
| Earnings coverage of net charge-offs (x) | 2.1138% | 3,972 |
| Efficiency ratio | 79.9923% | 1,681 |
| Assets per employee ($millions) | 2.9419% | 5,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 4,775 |
| Loan loss allowance to noncurrent loans | 184.6154% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.4103% | 3,956 |
| Noncurrent loans to loans | 0.5250% | 3,592 |
| Net loans and leases to total assets | 77.4001% | 1,197 |
| Net loans and leases to deposits | 87.5288% | 1,931 |
| Net loans and leases to core deposits | 98.2010% | 1,656 |
| Total domestic deposits to total assets | 88.4281% | 1,416 |
| Equity capital to assets | 11.4845% | 2,373 |
| Core capital (leverage) ratio | 10.7708% | 2,631 |
| Tier 1 risk-based capital ratio | 15.0543% | 3,156 |
| Total risk-based capital ratio | 16.1193% | 3,173 |
| Memoranda: | ||
| Average total assets | $40,266,000 | 5,759 |
| Average earning assets | $38,370,600 | 5,720 |
| Average equity | $4,426,400 | 5,778 |
| Average total loans | $32,137,600 | 5,290 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5878% | 1,362 |
| Cost of funding earning assets | 0.4339% | 2,864 |
| Net interest margin | 4.1538% | 1,269 |
| Noninterest income to average assets | 1.8250% | 408 |
| Noninterest expense to average assets | 5.0953% | 267 |
| Loan and lease loss provision to assets | 0.2398% | 735 |
| Net operating income to assets | 0.4429% | 4,995 |
| Return on assets (ROA) | 0.4429% | 5,088 |
| Pretax return on assets | 0.4429% | 5,363 |
| Return on Equity (ROE) | 4.0761% | 5,002 |
| Retained earnings to average equity (ytd only) | 4.0761% | 3,559 |
| Net charge-offs to loans | 0.7844% | 261 |
| Credit loss provision to net charge-offs | 38.0952% | 3,185 |
| Earnings coverage of net charge-offs (x) | 1.0847% | 3,885 |
| Efficiency ratio | 88.1844% | 830 |
| Assets per employee ($millions) | 2.6846% | 5,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 3,969 |
| Loan loss allowance to noncurrent loans | 35.6522% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 2.5950% | 644 |
| Noncurrent loans to loans | 3.2093% | 523 |
| Net loans and leases to total assets | 79.1701% | 931 |
| Net loans and leases to deposits | 89.0680% | 1,760 |
| Net loans and leases to core deposits | 98.4103% | 1,656 |
| Total domestic deposits to total assets | 88.8872% | 1,083 |
| Equity capital to assets | 10.9638% | 3,068 |
| Core capital (leverage) ratio | 10.2952% | 3,260 |
| Tier 1 risk-based capital ratio | 13.4524% | 4,168 |
| Total risk-based capital ratio | 14.6555% | 4,115 |
| Memoranda: | ||
| Average total assets | $40,036,000 | 5,838 |
| Average earning assets | $38,100,500 | 5,806 |
| Average equity | $4,350,500 | 5,871 |
| Average total loans | $32,124,500 | 5,352 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5311% | 1,450 |
| Cost of funding earning assets | 0.4378% | 2,872 |
| Net interest margin | 4.0933% | 1,370 |
| Noninterest income to average assets | 1.7764% | 436 |
| Noninterest expense to average assets | 5.0691% | 277 |
| Loan and lease loss provision to assets | 0.1101% | 1,995 |
| Net operating income to assets | 0.4804% | 4,850 |
| Return on assets (ROA) | 0.4804% | 4,953 |
| Pretax return on assets | 0.4804% | 5,276 |
| Return on Equity (ROE) | 4.4253% | 4,847 |
| Retained earnings to average equity (ytd only) | 4.4253% | 3,194 |
| Net charge-offs to loans | -0.0873% | 5,733 |
| Credit loss provision to net charge-offs | -157.1429% | 4,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5668% | 787 |
| Assets per employee ($millions) | 2.6788% | 5,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 2,059 |
| Loan loss allowance to noncurrent loans | 26.1654% | 5,577 |
| Noncurrent assets plus other real estate owned to assets | 5.0744% | 213 |
| Noncurrent loans to loans | 5.9558% | 161 |
| Net loans and leases to total assets | 82.0641% | 549 |
| Net loans and leases to deposits | 92.2197% | 1,347 |
| Net loans and leases to core deposits | 104.8090% | 1,142 |
| Total domestic deposits to total assets | 88.9876% | 1,150 |
| Equity capital to assets | 10.8954% | 2,995 |
| Core capital (leverage) ratio | 10.4574% | 3,017 |
| Tier 1 risk-based capital ratio | 13.1689% | 4,414 |
| Total risk-based capital ratio | 14.4231% | 4,336 |
| Memoranda: | ||
| Average total assets | $39,968,000 | 5,903 |
| Average earning assets | $37,915,670 | 5,867 |
| Average equity | $4,338,670 | 5,934 |
| Average total loans | $32,082,670 | 5,399 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2501% | 2,276 |
| Cost of funding earning assets | 0.4240% | 3,020 |
| Net interest margin | 3.8262% | 2,145 |
| Noninterest income to average assets | 1.8464% | 397 |
| Noninterest expense to average assets | 4.7064% | 370 |
| Loan and lease loss provision to assets | 0.0301% | 3,290 |
| Net operating income to assets | 0.7325% | 3,635 |
| Return on assets (ROA) | 0.7325% | 3,763 |
| Pretax return on assets | 0.7325% | 4,489 |
| Return on Equity (ROE) | 6.7608% | 3,626 |
| Retained earnings to average equity (ytd only) | 6.7608% | 2,119 |
| Net charge-offs to loans | -0.0892% | 5,808 |
| Credit loss provision to net charge-offs | -42.8571% | 4,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0550% | 1,180 |
| Assets per employee ($millions) | 2.8454% | 5,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5970% | 2,063 |
| Loan loss allowance to noncurrent loans | 24.7382% | 5,657 |
| Noncurrent assets plus other real estate owned to assets | 5.7638% | 188 |
| Noncurrent loans to loans | 6.4557% | 162 |
| Net loans and leases to total assets | 76.7215% | 1,097 |
| Net loans and leases to deposits | 86.2383% | 1,798 |
| Net loans and leases to core deposits | 92.7527% | 1,882 |
| Total domestic deposits to total assets | 88.9645% | 1,295 |
| Equity capital to assets | 10.9351% | 3,044 |
| Core capital (leverage) ratio | 10.3729% | 3,131 |
| Tier 1 risk-based capital ratio | 14.5166% | 3,709 |
| Total risk-based capital ratio | 15.7708% | 3,637 |
| Memoranda: | ||
| Average total assets | $39,861,000 | 5,961 |
| Average earning assets | $37,740,000 | 5,931 |
| Average equity | $4,319,000 | 5,991 |
| Average total loans | $31,375,500 | 5,458 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4532% | 2,055 |
| Cost of funding earning assets | 0.4889% | 2,785 |
| Net interest margin | 3.9644% | 1,999 |
| Noninterest income to average assets | -0.1052% | 6,452 |
| Noninterest expense to average assets | 4.8420% | 348 |
| Loan and lease loss provision to assets | 0.2272% | 1,075 |
| Net operating income to assets | -1.4514% | 6,427 |
| Return on assets (ROA) | -1.4514% | 6,426 |
| Pretax return on assets | -1.4514% | 6,417 |
| Return on Equity (ROE) | -12.9160% | 6,392 |
| Retained earnings to average equity (ytd only) | -12.9160% | 6,358 |
| Net charge-offs to loans | 1.0128% | 296 |
| Credit loss provision to net charge-offs | 29.1411% | 3,849 |
| Earnings coverage of net charge-offs (x) | -1.5706% | 4,821 |
| Efficiency ratio | 133.8401% | 85 |
| Assets per employee ($millions) | 3.0682% | 5,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 2,328 |
| Loan loss allowance to noncurrent loans | 25.6329% | 5,750 |
| Noncurrent assets plus other real estate owned to assets | 5.6334% | 218 |
| Noncurrent loans to loans | 5.9824% | 192 |
| Net loans and leases to total assets | 78.2385% | 972 |
| Net loans and leases to deposits | 87.7045% | 1,772 |
| Net loans and leases to core deposits | 94.2895% | 1,891 |
| Total domestic deposits to total assets | 89.2070% | 1,117 |
| Equity capital to assets | 10.7353% | 3,193 |
| Core capital (leverage) ratio | 9.9196% | 3,690 |
| Tier 1 risk-based capital ratio | 13.6519% | 4,322 |
| Total risk-based capital ratio | 14.9072% | 4,261 |
| Memoranda: | ||
| Average total assets | $41,821,600 | 5,989 |
| Average earning assets | $39,274,800 | 5,945 |
| Average equity | $4,699,600 | 5,925 |
| Average total loans | $32,188,400 | 5,479 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3933% | 2,247 |
| Cost of funding earning assets | 0.5105% | 2,654 |
| Net interest margin | 3.8828% | 2,313 |
| Noninterest income to average assets | 0.3435% | 4,689 |
| Noninterest expense to average assets | 4.5257% | 449 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.5389% | 6,379 |
| Return on assets (ROA) | -0.5389% | 6,376 |
| Pretax return on assets | -0.5389% | 6,365 |
| Return on Equity (ROE) | -4.7458% | 6,360 |
| Retained earnings to average equity (ytd only) | -4.7458% | 6,244 |
| Net charge-offs to loans | 1.3617% | 190 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -0.5182% | 4,501 |
| Efficiency ratio | 113.5178% | 186 |
| Assets per employee ($millions) | 2.9372% | 5,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 3,869 |
| Loan loss allowance to noncurrent loans | 22.2286% | 5,903 |
| Noncurrent assets plus other real estate owned to assets | 6.2401% | 213 |
| Noncurrent loans to loans | 5.6758% | 268 |
| Net loans and leases to total assets | 73.6534% | 1,579 |
| Net loans and leases to deposits | 83.2815% | 2,256 |
| Net loans and leases to core deposits | 89.0742% | 2,316 |
| Total domestic deposits to total assets | 88.4390% | 1,535 |
| Equity capital to assets | 11.4735% | 2,507 |
| Core capital (leverage) ratio | 10.7331% | 2,785 |
| Tier 1 risk-based capital ratio | 13.8832% | 4,302 |
| Total risk-based capital ratio | 15.0603% | 4,283 |
| Memoranda: | ||
| Average total assets | $42,305,250 | 6,045 |
| Average earning assets | $39,695,750 | 5,996 |
| Average equity | $4,804,000 | 5,969 |
| Average total loans | $32,312,250 | 5,524 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3869% | 2,221 |
| Cost of funding earning assets | 0.5390% | 2,446 |
| Net interest margin | 3.8479% | 2,382 |
| Noninterest income to average assets | 0.3981% | 4,259 |
| Noninterest expense to average assets | 4.4590% | 466 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.4496% | 6,425 |
| Return on assets (ROA) | -0.4496% | 6,421 |
| Pretax return on assets | -0.4496% | 6,404 |
| Return on Equity (ROE) | -3.9730% | 6,410 |
| Retained earnings to average equity (ytd only) | -3.9730% | 6,175 |
| Net charge-offs to loans | 0.4748% | 849 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -1.2308% | 4,217 |
| Efficiency ratio | 111.2150% | 212 |
| Assets per employee ($millions) | 2.8926% | 5,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0098% | 1,340 |
| Loan loss allowance to noncurrent loans | 49.0407% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 5.1930% | 338 |
| Noncurrent loans to loans | 4.0983% | 571 |
| Net loans and leases to total assets | 76.9316% | 1,060 |
| Net loans and leases to deposits | 87.3154% | 1,672 |
| Net loans and leases to core deposits | 93.1279% | 1,851 |
| Total domestic deposits to total assets | 88.1078% | 1,841 |
| Equity capital to assets | 11.8354% | 2,116 |
| Core capital (leverage) ratio | 11.6543% | 1,882 |
| Tier 1 risk-based capital ratio | 17.5113% | 2,408 |
| Total risk-based capital ratio | 18.7756% | 2,380 |
| Memoranda: | ||
| Average total assets | $42,700,000 | 6,086 |
| Average earning assets | $40,073,670 | 6,040 |
| Average equity | $4,832,670 | 5,996 |
| Average total loans | $32,858,330 | 5,537 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2055% | 2,858 |
| Cost of funding earning assets | 0.5620% | 2,324 |
| Net interest margin | 3.6435% | 3,084 |
| Noninterest income to average assets | 0.3288% | 4,742 |
| Noninterest expense to average assets | 4.4291% | 488 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.6666% | 6,514 |
| Return on assets (ROA) | -0.6666% | 6,513 |
| Pretax return on assets | -0.6666% | 6,499 |
| Return on Equity (ROE) | -6.0175% | 6,494 |
| Retained earnings to average equity (ytd only) | -6.0175% | 6,186 |
| Net charge-offs to loans | 0.1318% | 1,922 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -6.6364% | 3,585 |
| Efficiency ratio | 117.7184% | 195 |
| Assets per employee ($millions) | 2.9925% | 5,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1665% | 1,212 |
| Loan loss allowance to noncurrent loans | 33.6832% | 5,751 |
| Noncurrent assets plus other real estate owned to assets | 5.8121% | 302 |
| Noncurrent loans to loans | 6.4320% | 260 |
| Net loans and leases to total assets | 76.0974% | 993 |
| Net loans and leases to deposits | 86.1719% | 1,586 |
| Net loans and leases to core deposits | 93.0045% | 1,639 |
| Total domestic deposits to total assets | 88.3089% | 2,049 |
| Equity capital to assets | 11.4954% | 2,250 |
| Core capital (leverage) ratio | 11.0051% | 2,390 |
| Tier 1 risk-based capital ratio | 17.6505% | 2,434 |
| Total risk-based capital ratio | 18.9184% | 2,393 |
| Memoranda: | ||
| Average total assets | $43,801,500 | 6,123 |
| Average earning assets | $41,279,000 | 6,077 |
| Average equity | $4,852,500 | 6,034 |
| Average total loans | $33,390,500 | 5,573 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4460% | 2,409 |
| Cost of funding earning assets | 0.7298% | 1,624 |
| Net interest margin | 3.7161% | 2,990 |
| Noninterest income to average assets | 1.4083% | 712 |
| Noninterest expense to average assets | 4.6356% | 468 |
| Loan and lease loss provision to assets | 0.0513% | 4,109 |
| Net operating income to assets | 0.2546% | 5,679 |
| Return on assets (ROA) | 0.2546% | 5,750 |
| Pretax return on assets | 0.2546% | 5,840 |
| Return on Equity (ROE) | 2.4817% | 5,681 |
| Retained earnings to average equity (ytd only) | 2.4817% | 4,488 |
| Net charge-offs to loans | 0.8034% | 783 |
| Credit loss provision to net charge-offs | 8.4175% | 4,601 |
| Earnings coverage of net charge-offs (x) | 0.5017% | 4,913 |
| Efficiency ratio | 93.8097% | 762 |
| Assets per employee ($millions) | 3.2649% | 5,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0969% | 1,341 |
| Loan loss allowance to noncurrent loans | 33.4266% | 5,835 |
| Noncurrent assets plus other real estate owned to assets | 5.4739% | 395 |
| Noncurrent loans to loans | 6.2730% | 308 |
| Net loans and leases to total assets | 73.2410% | 1,486 |
| Net loans and leases to deposits | 84.1575% | 1,918 |
| Net loans and leases to core deposits | 92.0507% | 1,792 |
| Total domestic deposits to total assets | 87.0285% | 2,707 |
| Equity capital to assets | 10.6962% | 2,937 |
| Core capital (leverage) ratio | 10.1821% | 3,321 |
| Tier 1 risk-based capital ratio | 17.2819% | 2,498 |
| Total risk-based capital ratio | 18.5492% | 2,467 |
| Memoranda: | ||
| Average total assets | $48,710,400 | 6,044 |
| Average earning assets | $46,311,600 | 5,977 |
| Average equity | $4,996,600 | 6,069 |
| Average total loans | $36,967,000 | 5,462 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5078% | 2,202 |
| Cost of funding earning assets | 0.7386% | 1,676 |
| Net interest margin | 3.7693% | 2,757 |
| Noninterest income to average assets | 1.7845% | 489 |
| Noninterest expense to average assets | 4.6932% | 444 |
| Loan and lease loss provision to assets | 0.0674% | 3,706 |
| Net operating income to assets | 0.6146% | 4,282 |
| Return on assets (ROA) | 0.6146% | 4,407 |
| Pretax return on assets | 0.6146% | 4,968 |
| Return on Equity (ROE) | 6.0514% | 4,162 |
| Retained earnings to average equity (ytd only) | 6.0514% | 2,375 |
| Net charge-offs to loans | 0.7010% | 850 |
| Credit loss provision to net charge-offs | 12.6263% | 4,189 |
| Earnings coverage of net charge-offs (x) | 1.2778% | 4,414 |
| Efficiency ratio | 87.3119% | 1,230 |
| Assets per employee ($millions) | 3.4609% | 4,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2805% | 1,211 |
| Loan loss allowance to noncurrent loans | 56.7060% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 3.9316% | 801 |
| Noncurrent loans to loans | 4.0217% | 866 |
| Net loans and leases to total assets | 72.1627% | 1,577 |
| Net loans and leases to deposits | 82.4724% | 2,079 |
| Net loans and leases to core deposits | 89.5735% | 2,015 |
| Total domestic deposits to total assets | 87.4992% | 2,420 |
| Equity capital to assets | 10.3048% | 3,503 |
| Core capital (leverage) ratio | 10.0922% | 3,535 |
| Tier 1 risk-based capital ratio | 16.5746% | 2,908 |
| Total risk-based capital ratio | 17.8436% | 2,861 |
| Memoranda: | ||
| Average total assets | $49,461,000 | 6,094 |
| Average earning assets | $47,117,000 | 6,028 |
| Average equity | $5,023,500 | 6,130 |
| Average total loans | $37,660,250 | 5,490 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5660% | 1,970 |
| Cost of funding earning assets | 0.7575% | 1,659 |
| Net interest margin | 3.8085% | 2,526 |
| Noninterest income to average assets | 2.5825% | 306 |
| Noninterest expense to average assets | 4.8115% | 411 |
| Loan and lease loss provision to assets | 0.0040% | 4,738 |
| Net operating income to assets | 1.4017% | 1,075 |
| Return on assets (ROA) | 1.4017% | 1,160 |
| Pretax return on assets | 1.4017% | 1,925 |
| Return on Equity (ROE) | 13.8666% | 1,040 |
| Retained earnings to average equity (ytd only) | 13.8666% | 310 |
| Net charge-offs to loans | -0.0888% | 6,471 |
| Credit loss provision to net charge-offs | -5.8824% | 5,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3902% | 2,562 |
| Assets per employee ($millions) | 3.4699% | 4,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6383% | 841 |
| Loan loss allowance to noncurrent loans | 43.5554% | 5,471 |
| Noncurrent assets plus other real estate owned to assets | 4.8210% | 647 |
| Noncurrent loans to loans | 6.0573% | 461 |
| Net loans and leases to total assets | 76.4981% | 924 |
| Net loans and leases to deposits | 87.6070% | 1,391 |
| Net loans and leases to core deposits | 94.7044% | 1,461 |
| Total domestic deposits to total assets | 87.3196% | 2,645 |
| Equity capital to assets | 10.5272% | 3,263 |
| Core capital (leverage) ratio | 10.4737% | 2,913 |
| Tier 1 risk-based capital ratio | 16.6262% | 2,878 |
| Total risk-based capital ratio | 17.9029% | 2,832 |
| Memoranda: | ||
| Average total assets | $49,797,000 | 6,130 |
| Average earning assets | $47,524,670 | 6,053 |
| Average equity | $5,033,670 | 6,173 |
| Average total loans | $38,286,670 | 5,495 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5330% | 2,050 |
| Cost of funding earning assets | 0.7818% | 1,633 |
| Net interest margin | 3.7511% | 2,657 |
| Noninterest income to average assets | 4.6979% | 159 |
| Noninterest expense to average assets | 4.6502% | 476 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 3.6266% | 73 |
| Return on assets (ROA) | 3.6266% | 79 |
| Pretax return on assets | 3.6266% | 104 |
| Return on Equity (ROE) | 36.6076% | 45 |
| Retained earnings to average equity (ytd only) | 36.6076% | 29 |
| Net charge-offs to loans | -0.3025% | 6,781 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1841% | 6,045 |
| Assets per employee ($millions) | 3.8379% | 4,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6662% | 954 |
| Loan loss allowance to noncurrent loans | 72.9749% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 2.7960% | 1,621 |
| Noncurrent loans to loans | 3.6536% | 1,300 |
| Net loans and leases to total assets | 74.4854% | 1,014 |
| Net loans and leases to deposits | 85.1757% | 1,448 |
| Net loans and leases to core deposits | 92.8448% | 1,428 |
| Total domestic deposits to total assets | 87.4491% | 2,659 |
| Equity capital to assets | 10.4664% | 3,575 |
| Core capital (leverage) ratio | 10.5651% | 2,693 |
| Tier 1 risk-based capital ratio | 14.7726% | 3,984 |
| Total risk-based capital ratio | 16.0439% | 3,942 |
| Memoranda: | ||
| Average total assets | $50,406,000 | 6,175 |
| Average earning assets | $48,092,000 | 6,096 |
| Average equity | $4,993,500 | 6,247 |
| Average total loans | $38,345,500 | 5,535 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8701% | 1,948 |
| Cost of funding earning assets | 0.9179% | 1,834 |
| Net interest margin | 3.9522% | 2,598 |
| Noninterest income to average assets | 1.2235% | 1,042 |
| Noninterest expense to average assets | 4.7703% | 448 |
| Loan and lease loss provision to assets | 0.0466% | 5,253 |
| Net operating income to assets | 0.2005% | 5,787 |
| Return on assets (ROA) | 0.2005% | 5,960 |
| Pretax return on assets | 0.2005% | 5,990 |
| Return on Equity (ROE) | 2.1058% | 5,868 |
| Retained earnings to average equity (ytd only) | 2.1058% | 4,743 |
| Net charge-offs to loans | 1.0160% | 1,067 |
| Credit loss provision to net charge-offs | 5.6650% | 5,440 |
| Earnings coverage of net charge-offs (x) | 0.3005% | 5,329 |
| Efficiency ratio | 95.0747% | 746 |
| Assets per employee ($millions) | 3.3946% | 5,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5682% | 1,047 |
| Loan loss allowance to noncurrent loans | 86.0748% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 2.2565% | 2,175 |
| Noncurrent loans to loans | 2.9836% | 1,748 |
| Net loans and leases to total assets | 73.6876% | 1,237 |
| Net loans and leases to deposits | 83.1546% | 1,863 |
| Net loans and leases to core deposits | 90.8103% | 1,739 |
| Total domestic deposits to total assets | 88.6153% | 1,831 |
| Equity capital to assets | 9.3580% | 5,060 |
| Core capital (leverage) ratio | 9.5163% | 4,080 |
| Tier 1 risk-based capital ratio | 13.7367% | 4,575 |
| Total risk-based capital ratio | 15.0052% | 4,516 |
| Memoranda: | ||
| Average total assets | $49,368,200 | 6,229 |
| Average earning assets | $47,391,400 | 6,136 |
| Average equity | $4,701,400 | 6,386 |
| Average total loans | $39,961,000 | 5,507 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0114% | 1,670 |
| Cost of funding earning assets | 0.9428% | 1,889 |
| Net interest margin | 4.0686% | 2,211 |
| Noninterest income to average assets | 1.4019% | 759 |
| Noninterest expense to average assets | 4.7610% | 435 |
| Loan and lease loss provision to assets | 0.0599% | 4,974 |
| Net operating income to assets | 0.4927% | 4,872 |
| Return on assets (ROA) | 0.4927% | 5,142 |
| Pretax return on assets | 0.4927% | 5,487 |
| Return on Equity (ROE) | 5.1506% | 4,747 |
| Retained earnings to average equity (ytd only) | 5.1506% | 3,255 |
| Net charge-offs to loans | 0.7142% | 1,546 |
| Credit loss provision to net charge-offs | 10.1852% | 5,073 |
| Earnings coverage of net charge-offs (x) | 0.9398% | 4,856 |
| Efficiency ratio | 89.6004% | 1,070 |
| Assets per employee ($millions) | 3.3501% | 5,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8835% | 817 |
| Loan loss allowance to noncurrent loans | 208.1272% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 1.1263% | 4,041 |
| Noncurrent loans to loans | 1.3855% | 3,721 |
| Net loans and leases to total assets | 78.9537% | 614 |
| Net loans and leases to deposits | 89.4952% | 1,206 |
| Net loans and leases to core deposits | 99.5708% | 1,156 |
| Total domestic deposits to total assets | 88.2211% | 1,897 |
| Equity capital to assets | 9.6456% | 5,001 |
| Core capital (leverage) ratio | 9.8809% | 3,711 |
| Tier 1 risk-based capital ratio | 12.9713% | 5,276 |
| Total risk-based capital ratio | 14.2452% | 5,216 |
| Memoranda: | ||
| Average total assets | $48,980,500 | 6,317 |
| Average earning assets | $47,091,250 | 6,218 |
| Average equity | $4,685,500 | 6,462 |
| Average total loans | $40,323,750 | 5,561 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9596% | 1,901 |
| Cost of funding earning assets | 0.9628% | 1,981 |
| Net interest margin | 3.9968% | 2,520 |
| Noninterest income to average assets | 0.7991% | 2,185 |
| Noninterest expense to average assets | 4.7120% | 456 |
| Loan and lease loss provision to assets | 0.0906% | 4,437 |
| Net operating income to assets | -0.1565% | 6,498 |
| Return on assets (ROA) | -0.1565% | 6,585 |
| Pretax return on assets | -0.1565% | 6,563 |
| Return on Equity (ROE) | -1.6409% | 6,593 |
| Retained earnings to average equity (ytd only) | -1.6409% | 6,311 |
| Net charge-offs to loans | 0.5829% | 1,861 |
| Credit loss provision to net charge-offs | 18.8034% | 4,627 |
| Earnings coverage of net charge-offs (x) | -0.1368% | 5,140 |
| Efficiency ratio | 101.4184% | 511 |
| Assets per employee ($millions) | 3.4604% | 5,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1286% | 690 |
| Loan loss allowance to noncurrent loans | 161.4412% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 1.6328% | 3,280 |
| Noncurrent loans to loans | 1.9379% | 3,014 |
| Net loans and leases to total assets | 81.6183% | 362 |
| Net loans and leases to deposits | 92.4220% | 899 |
| Net loans and leases to core deposits | 102.8001% | 932 |
| Total domestic deposits to total assets | 88.3105% | 1,951 |
| Equity capital to assets | 9.5531% | 4,982 |
| Core capital (leverage) ratio | 9.6733% | 3,883 |
| Tier 1 risk-based capital ratio | 12.4002% | 5,645 |
| Total risk-based capital ratio | 13.6783% | 5,599 |
| Memoranda: | ||
| Average total assets | $48,557,000 | 6,364 |
| Average earning assets | $46,737,330 | 6,271 |
| Average equity | $4,631,670 | 6,506 |
| Average total loans | $40,147,330 | 5,598 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9547% | 2,057 |
| Cost of funding earning assets | 0.9927% | 2,026 |
| Net interest margin | 3.9620% | 2,662 |
| Noninterest income to average assets | 0.8146% | 2,093 |
| Noninterest expense to average assets | 4.9863% | 367 |
| Loan and lease loss provision to assets | 0.1728% | 3,235 |
| Net operating income to assets | -0.5348% | 6,844 |
| Return on assets (ROA) | -0.5348% | 6,874 |
| Pretax return on assets | -0.5348% | 6,845 |
| Return on Equity (ROE) | -5.6113% | 6,869 |
| Retained earnings to average equity (ytd only) | -5.6113% | 6,628 |
| Net charge-offs to loans | 0.4220% | 2,039 |
| Credit loss provision to net charge-offs | 50.0000% | 3,277 |
| Earnings coverage of net charge-offs (x) | -1.0476% | 4,557 |
| Efficiency ratio | 107.8292% | 375 |
| Assets per employee ($millions) | 3.6562% | 4,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4268% | 568 |
| Loan loss allowance to noncurrent loans | 133.6301% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 2.1271% | 2,749 |
| Noncurrent loans to loans | 2.5644% | 2,541 |
| Net loans and leases to total assets | 80.1052% | 394 |
| Net loans and leases to deposits | 90.8991% | 883 |
| Net loans and leases to core deposits | 98.8191% | 1,061 |
| Total domestic deposits to total assets | 88.1254% | 2,232 |
| Equity capital to assets | 9.6802% | 4,549 |
| Core capital (leverage) ratio | 9.6072% | 3,903 |
| Tier 1 risk-based capital ratio | 12.7205% | 5,425 |
| Total risk-based capital ratio | 14.0006% | 5,375 |
| Memoranda: | ||
| Average total assets | $48,613,000 | 6,414 |
| Average earning assets | $46,743,500 | 6,305 |
| Average equity | $4,633,500 | 6,537 |
| Average total loans | $39,812,500 | 5,649 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2224% | 1,976 |
| Cost of funding earning assets | 1.2863% | 1,545 |
| Net interest margin | 3.9361% | 3,176 |
| Noninterest income to average assets | 1.2654% | 809 |
| Noninterest expense to average assets | 4.6847% | 498 |
| Loan and lease loss provision to assets | 2.0364% | 287 |
| Net operating income to assets | -1.6879% | 6,957 |
| Return on assets (ROA) | -1.6879% | 6,973 |
| Pretax return on assets | -1.6879% | 6,943 |
| Return on Equity (ROE) | -17.1234% | 6,934 |
| Retained earnings to average equity (ytd only) | -17.1234% | 6,916 |
| Net charge-offs to loans | 2.0931% | 645 |
| Credit loss provision to net charge-offs | 118.6534% | 2,701 |
| Earnings coverage of net charge-offs (x) | 0.2031% | 5,681 |
| Efficiency ratio | 93.0749% | 977 |
| Assets per employee ($millions) | 3.5497% | 4,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4129% | 571 |
| Loan loss allowance to noncurrent loans | 163.7232% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 1.6863% | 3,420 |
| Noncurrent loans to loans | 2.0846% | 3,088 |
| Net loans and leases to total assets | 78.1310% | 695 |
| Net loans and leases to deposits | 90.4997% | 1,096 |
| Net loans and leases to core deposits | 99.1269% | 1,250 |
| Total domestic deposits to total assets | 86.3329% | 3,128 |
| Equity capital to assets | 9.3891% | 5,036 |
| Core capital (leverage) ratio | 9.0173% | 4,752 |
| Tier 1 risk-based capital ratio | 12.7888% | 5,248 |
| Total risk-based capital ratio | 14.0688% | 5,207 |
| Memoranda: | ||
| Average total assets | $52,789,000 | 6,273 |
| Average earning assets | $50,532,400 | 6,171 |
| Average equity | $5,203,400 | 6,385 |
| Average total loans | $43,285,400 | 5,545 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1914% | 2,235 |
| Cost of funding earning assets | 1.3323% | 1,542 |
| Net interest margin | 3.8591% | 3,575 |
| Noninterest income to average assets | 1.4936% | 590 |
| Noninterest expense to average assets | 4.6947% | 482 |
| Loan and lease loss provision to assets | 2.0362% | 260 |
| Net operating income to assets | -1.5458% | 7,052 |
| Return on assets (ROA) | -1.5458% | 7,064 |
| Pretax return on assets | -1.5458% | 7,026 |
| Return on Equity (ROE) | -15.5118% | 7,025 |
| Retained earnings to average equity (ytd only) | -15.5118% | 6,999 |
| Net charge-offs to loans | 2.3999% | 470 |
| Credit loss provision to net charge-offs | 103.1526% | 3,228 |
| Earnings coverage of net charge-offs (x) | 0.2484% | 5,411 |
| Efficiency ratio | 90.5425% | 1,134 |
| Assets per employee ($millions) | 3.7571% | 4,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8405% | 994 |
| Loan loss allowance to noncurrent loans | 167.0748% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 1.5875% | 3,709 |
| Noncurrent loans to loans | 1.7001% | 3,757 |
| Net loans and leases to total assets | 79.8555% | 532 |
| Net loans and leases to deposits | 92.2962% | 990 |
| Net loans and leases to core deposits | 100.0810% | 1,238 |
| Total domestic deposits to total assets | 86.5209% | 2,920 |
| Equity capital to assets | 9.3840% | 5,259 |
| Core capital (leverage) ratio | 9.4415% | 4,240 |
| Tier 1 risk-based capital ratio | 12.7479% | 5,295 |
| Total risk-based capital ratio | 14.0212% | 5,258 |
| Memoranda: | ||
| Average total assets | $53,562,250 | 6,294 |
| Average earning assets | $51,237,000 | 6,195 |
| Average equity | $5,337,750 | 6,395 |
| Average total loans | $44,056,750 | 5,558 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1933% | 2,283 |
| Cost of funding earning assets | 1.3991% | 1,424 |
| Net interest margin | 3.7942% | 3,810 |
| Noninterest income to average assets | 1.7891% | 427 |
| Noninterest expense to average assets | 4.6397% | 515 |
| Loan and lease loss provision to assets | 1.2360% | 622 |
| Net operating income to assets | -0.4528% | 6,654 |
| Return on assets (ROA) | -0.4528% | 6,675 |
| Pretax return on assets | -0.4528% | 6,627 |
| Return on Equity (ROE) | -4.4593% | 6,678 |
| Retained earnings to average equity (ytd only) | -4.4593% | 6,521 |
| Net charge-offs to loans | 0.2075% | 3,909 |
| Credit loss provision to net charge-offs | 723.9130% | 446 |
| Earnings coverage of net charge-offs (x) | 4.5870% | 2,822 |
| Efficiency ratio | 85.5578% | 1,642 |
| Assets per employee ($millions) | 3.3951% | 5,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3461% | 670 |
| Loan loss allowance to noncurrent loans | 213.7733% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 1.6004% | 3,799 |
| Noncurrent loans to loans | 1.5653% | 4,064 |
| Net loans and leases to total assets | 84.5128% | 211 |
| Net loans and leases to deposits | 99.3490% | 523 |
| Net loans and leases to core deposits | 109.7262% | 731 |
| Total domestic deposits to total assets | 85.0666% | 3,847 |
| Equity capital to assets | 10.6723% | 3,312 |
| Core capital (leverage) ratio | 9.6336% | 3,757 |
| Tier 1 risk-based capital ratio | 13.1229% | 4,821 |
| Total risk-based capital ratio | 14.4033% | 4,781 |
| Memoranda: | ||
| Average total assets | $53,883,000 | 6,335 |
| Average earning assets | $51,605,000 | 6,231 |
| Average equity | $5,471,670 | 6,379 |
| Average total loans | $44,331,670 | 5,599 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9656% | 3,263 |
| Cost of funding earning assets | 1.4112% | 1,554 |
| Net interest margin | 3.5544% | 4,791 |
| Noninterest income to average assets | 1.3511% | 707 |
| Noninterest expense to average assets | 4.2268% | 798 |
| Loan and lease loss provision to assets | 1.4956% | 429 |
| Net operating income to assets | -0.9682% | 7,035 |
| Return on assets (ROA) | -0.9682% | 7,036 |
| Pretax return on assets | -0.9682% | 6,986 |
| Return on Equity (ROE) | -9.7632% | 7,023 |
| Retained earnings to average equity (ytd only) | -9.7632% | 6,859 |
| Net charge-offs to loans | -0.0090% | 6,343 |
| Credit loss provision to net charge-offs | -20,700.0000% | 6,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9058% | 1,427 |
| Assets per employee ($millions) | 3.9274% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2133% | 763 |
| Loan loss allowance to noncurrent loans | 215.4198% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 2.3880% | 2,850 |
| Noncurrent loans to loans | 1.4917% | 4,236 |
| Net loans and leases to total assets | 77.2966% | 829 |
| Net loans and leases to deposits | 89.6568% | 1,271 |
| Net loans and leases to core deposits | 99.0953% | 1,421 |
| Total domestic deposits to total assets | 86.2139% | 3,388 |
| Equity capital to assets | 9.8630% | 3,950 |
| Core capital (leverage) ratio | 9.4517% | 3,881 |
| Tier 1 risk-based capital ratio | 12.9307% | 4,875 |
| Total risk-based capital ratio | 14.2104% | 4,843 |
| Memoranda: | ||
| Average total assets | $55,361,500 | 6,330 |
| Average earning assets | $53,004,500 | 6,236 |
| Average equity | $5,490,000 | 6,390 |
| Average total loans | $44,233,000 | 5,645 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3070% | 3,106 |
| Cost of funding earning assets | 1.8229% | 1,088 |
| Net interest margin | 3.4841% | 5,310 |
| Noninterest income to average assets | 1.4741% | 667 |
| Noninterest expense to average assets | 3.7575% | 1,570 |
| Loan and lease loss provision to assets | 1.5600% | 938 |
| Net operating income to assets | -0.5498% | 6,420 |
| Return on assets (ROA) | -0.5498% | 6,449 |
| Pretax return on assets | -0.5498% | 6,355 |
| Return on Equity (ROE) | -5.4945% | 6,472 |
| Retained earnings to average equity (ytd only) | -5.4945% | 6,345 |
| Net charge-offs to loans | 0.9424% | 2,296 |
| Credit loss provision to net charge-offs | 208.2569% | 1,478 |
| Earnings coverage of net charge-offs (x) | 1.3486% | 4,759 |
| Efficiency ratio | 78.8108% | 2,560 |
| Assets per employee ($millions) | 3.9814% | 3,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7000% | 1,170 |
| Loan loss allowance to noncurrent loans | 251.6736% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.9580% | 5,096 |
| Noncurrent loans to loans | 1.0728% | 4,941 |
| Net loans and leases to total assets | 77.7754% | 976 |
| Net loans and leases to deposits | 90.2471% | 1,489 |
| Net loans and leases to core deposits | 101.8131% | 1,469 |
| Total domestic deposits to total assets | 86.1805% | 3,260 |
| Equity capital to assets | 9.9695% | 3,781 |
| Core capital (leverage) ratio | 9.0258% | 4,498 |
| Tier 1 risk-based capital ratio | 13.3062% | 4,366 |
| Total risk-based capital ratio | 14.5793% | 4,313 |
| Memoranda: | ||
| Average total assets | $58,204,000 | 6,267 |
| Average earning assets | $55,022,000 | 6,173 |
| Average equity | $5,824,000 | 6,421 |
| Average total loans | $46,263,400 | 5,630 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2759% | 3,467 |
| Cost of funding earning assets | 1.9185% | 970 |
| Net interest margin | 3.3574% | 5,816 |
| Noninterest income to average assets | 2.3189% | 306 |
| Noninterest expense to average assets | 3.7764% | 1,416 |
| Loan and lease loss provision to assets | 1.1152% | 1,302 |
| Net operating income to assets | 0.5848% | 3,938 |
| Return on assets (ROA) | 0.5848% | 4,103 |
| Pretax return on assets | 0.5848% | 4,651 |
| Return on Equity (ROE) | 5.8395% | 3,892 |
| Retained earnings to average equity (ytd only) | 5.8395% | 2,452 |
| Net charge-offs to loans | 1.0223% | 1,975 |
| Credit loss provision to net charge-offs | 137.4302% | 2,905 |
| Earnings coverage of net charge-offs (x) | 2.0950% | 4,152 |
| Efficiency ratio | 68.9570% | 4,273 |
| Assets per employee ($millions) | 4.0886% | 3,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8716% | 2,569 |
| Loan loss allowance to noncurrent loans | 144.8911% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 2.5978% | 2,781 |
| Noncurrent loans to loans | 1.2917% | 4,698 |
| Net loans and leases to total assets | 79.2317% | 859 |
| Net loans and leases to deposits | 92.6877% | 1,361 |
| Net loans and leases to core deposits | 104.6326% | 1,431 |
| Total domestic deposits to total assets | 85.4824% | 3,357 |
| Equity capital to assets | 10.7178% | 3,269 |
| Core capital (leverage) ratio | 10.0938% | 3,156 |
| Tier 1 risk-based capital ratio | 13.8136% | 3,972 |
| Total risk-based capital ratio | 15.0730% | 3,930 |
| Memoranda: | ||
| Average total assets | $58,820,000 | 6,309 |
| Average earning assets | $55,319,000 | 6,224 |
| Average equity | $5,890,750 | 6,483 |
| Average total loans | $46,690,500 | 5,690 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2537% | 3,691 |
| Cost of funding earning assets | 2.0507% | 768 |
| Net interest margin | 3.2030% | 6,311 |
| Noninterest income to average assets | 1.7457% | 434 |
| Noninterest expense to average assets | 3.7509% | 1,449 |
| Loan and lease loss provision to assets | 1.3244% | 1,027 |
| Net operating income to assets | -0.3134% | 6,488 |
| Return on assets (ROA) | -0.3134% | 6,533 |
| Pretax return on assets | -0.3134% | 6,444 |
| Return on Equity (ROE) | -3.2017% | 6,535 |
| Retained earnings to average equity (ytd only) | -3.2017% | 6,326 |
| Net charge-offs to loans | 1.1740% | 1,617 |
| Credit loss provision to net charge-offs | 142.9091% | 2,779 |
| Earnings coverage of net charge-offs (x) | 1.0909% | 4,703 |
| Efficiency ratio | 78.7686% | 2,609 |
| Assets per employee ($millions) | 4.2403% | 3,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8767% | 2,486 |
| Loan loss allowance to noncurrent loans | 177.6151% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 3.4920% | 2,011 |
| Noncurrent loans to loans | 1.0566% | 5,203 |
| Net loans and leases to total assets | 74.7743% | 1,744 |
| Net loans and leases to deposits | 86.3801% | 2,451 |
| Net loans and leases to core deposits | 99.4333% | 2,080 |
| Total domestic deposits to total assets | 86.5642% | 2,781 |
| Equity capital to assets | 9.7433% | 4,349 |
| Core capital (leverage) ratio | 9.4519% | 3,892 |
| Tier 1 risk-based capital ratio | 13.1237% | 4,342 |
| Total risk-based capital ratio | 14.3825% | 4,295 |
| Memoranda: | ||
| Average total assets | $59,346,330 | 6,334 |
| Average earning assets | $55,884,330 | 6,246 |
| Average equity | $5,809,330 | 6,527 |
| Average total loans | $46,848,000 | 5,726 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3077% | 3,512 |
| Cost of funding earning assets | 2.1431% | 699 |
| Net interest margin | 3.1646% | 6,408 |
| Noninterest income to average assets | 2.3863% | 267 |
| Noninterest expense to average assets | 3.6335% | 1,658 |
| Loan and lease loss provision to assets | 2.4807% | 429 |
| Net operating income to assets | -0.7415% | 6,980 |
| Return on assets (ROA) | -0.7415% | 7,004 |
| Pretax return on assets | -0.7415% | 6,919 |
| Return on Equity (ROE) | -7.5575% | 7,033 |
| Retained earnings to average equity (ytd only) | -7.5575% | 6,794 |
| Net charge-offs to loans | 2.3167% | 727 |
| Credit loss provision to net charge-offs | 133.3333% | 2,648 |
| Earnings coverage of net charge-offs (x) | 0.9348% | 4,211 |
| Efficiency ratio | 67.6286% | 4,794 |
| Assets per employee ($millions) | 4.1211% | 3,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7724% | 2,821 |
| Loan loss allowance to noncurrent loans | 106.0567% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 3.6866% | 1,895 |
| Noncurrent loans to loans | 1.6712% | 4,239 |
| Net loans and leases to total assets | 79.0557% | 971 |
| Net loans and leases to deposits | 91.6861% | 1,657 |
| Net loans and leases to core deposits | 108.9658% | 1,356 |
| Total domestic deposits to total assets | 86.2243% | 3,020 |
| Equity capital to assets | 9.9955% | 3,882 |
| Core capital (leverage) ratio | 9.4291% | 3,881 |
| Tier 1 risk-based capital ratio | 12.9118% | 4,400 |
| Total risk-based capital ratio | 14.1707% | 4,367 |
| Memoranda: | ||
| Average total assets | $59,337,500 | 6,412 |
| Average earning assets | $55,994,000 | 6,329 |
| Average equity | $5,822,000 | 6,583 |
| Average total loans | $47,653,000 | 5,777 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4568% | 4,405 |
| Cost of funding earning assets | 2.6260% | 721 |
| Net interest margin | 2.8308% | 7,007 |
| Noninterest income to average assets | 1.4564% | 680 |
| Noninterest expense to average assets | 3.5470% | 2,278 |
| Loan and lease loss provision to assets | 0.5316% | 3,716 |
| Net operating income to assets | -1.7265% | 6,974 |
| Return on assets (ROA) | -1.7265% | 6,981 |
| Pretax return on assets | 0.0239% | 5,380 |
| Return on Equity (ROE) | -15.5936% | 6,966 |
| Retained earnings to average equity (ytd only) | -15.5936% | 6,915 |
| Net charge-offs to loans | 0.6137% | 3,371 |
| Credit loss provision to net charge-offs | 107.6125% | 5,147 |
| Earnings coverage of net charge-offs (x) | 1.1246% | 4,991 |
| Efficiency ratio | 86.4583% | 2,063 |
| Assets per employee ($millions) | 4.3556% | 3,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4958% | 3,750 |
| Loan loss allowance to noncurrent loans | 46.0618% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 4.0129% | 1,642 |
| Noncurrent loans to loans | 3.2473% | 2,351 |
| Net loans and leases to total assets | 78.9452% | 1,194 |
| Net loans and leases to deposits | 98.8318% | 1,021 |
| Net loans and leases to core deposits | 162.6351% | 312 |
| Total domestic deposits to total assets | 79.8783% | 5,706 |
| Equity capital to assets | 9.6377% | 4,230 |
| Core capital (leverage) ratio | 9.3209% | 3,943 |
| Tier 1 risk-based capital ratio | 12.5067% | 4,519 |
| Total risk-based capital ratio | 13.7626% | 4,461 |
| Memoranda: | ||
| Average total assets | $58,500,200 | 6,407 |
| Average earning assets | $54,684,000 | 6,344 |
| Average equity | $6,477,000 | 6,436 |
| Average total loans | $47,093,600 | 5,804 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4832% | 4,502 |
| Cost of funding earning assets | 2.7095% | 773 |
| Net interest margin | 2.7738% | 7,094 |
| Noninterest income to average assets | 1.2946% | 925 |
| Noninterest expense to average assets | 3.4645% | 2,374 |
| Loan and lease loss provision to assets | 0.3087% | 4,501 |
| Net operating income to assets | -2.2529% | 7,393 |
| Return on assets (ROA) | -2.2529% | 7,388 |
| Pretax return on assets | 0.1060% | 5,512 |
| Return on Equity (ROE) | -19.6766% | 7,363 |
| Retained earnings to average equity (ytd only) | -19.6766% | 7,326 |
| Net charge-offs to loans | 0.2858% | 4,240 |
| Credit loss provision to net charge-offs | 134.0000% | 3,719 |
| Earnings coverage of net charge-offs (x) | 1.8000% | 4,452 |
| Efficiency ratio | 89.3112% | 1,751 |
| Assets per employee ($millions) | 4.1908% | 3,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5768% | 3,091 |
| Loan loss allowance to noncurrent loans | 35.4316% | 6,047 |
| Noncurrent assets plus other real estate owned to assets | 4.3752% | 1,411 |
| Noncurrent loans to loans | 4.4502% | 1,579 |
| Net loans and leases to total assets | 79.0476% | 1,384 |
| Net loans and leases to deposits | 103.5408% | 810 |
| Net loans and leases to core deposits | 172.8845% | 246 |
| Total domestic deposits to total assets | 76.3444% | 6,515 |
| Equity capital to assets | 10.0714% | 4,000 |
| Core capital (leverage) ratio | 9.2541% | 4,256 |
| Tier 1 risk-based capital ratio | 12.5061% | 4,534 |
| Total risk-based capital ratio | 13.7614% | 4,485 |
| Memoranda: | ||
| Average total assets | $57,880,500 | 6,469 |
| Average earning assets | $53,932,750 | 6,423 |
| Average equity | $6,627,000 | 6,440 |
| Average total loans | $46,649,250 | 5,864 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5528% | 4,323 |
| Cost of funding earning assets | 2.7539% | 896 |
| Net interest margin | 2.7990% | 7,012 |
| Noninterest income to average assets | 1.3468% | 840 |
| Noninterest expense to average assets | 3.4608% | 2,459 |
| Loan and lease loss provision to assets | 0.2465% | 4,610 |
| Net operating income to assets | 0.0833% | 5,612 |
| Return on assets (ROA) | 0.0833% | 5,708 |
| Pretax return on assets | 0.2256% | 5,395 |
| Return on Equity (ROE) | 0.6991% | 5,726 |
| Retained earnings to average equity (ytd only) | 0.6991% | 4,914 |
| Net charge-offs to loans | 0.2968% | 3,702 |
| Credit loss provision to net charge-offs | 102.8986% | 4,452 |
| Earnings coverage of net charge-offs (x) | 1.9710% | 4,105 |
| Efficiency ratio | 87.9965% | 2,016 |
| Assets per employee ($millions) | 4.3744% | 2,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5393% | 2,989 |
| Loan loss allowance to noncurrent loans | 47.1485% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 3.5222% | 1,762 |
| Noncurrent loans to loans | 3.2647% | 2,171 |
| Net loans and leases to total assets | 74.2640% | 2,632 |
| Net loans and leases to deposits | 99.2731% | 1,360 |
| Net loans and leases to core deposits | 149.1734% | 679 |
| Total domestic deposits to total assets | 74.8077% | 6,800 |
| Equity capital to assets | 11.2849% | 2,688 |
| Core capital (leverage) ratio | 9.5060% | 3,876 |
| Tier 1 risk-based capital ratio | 12.2494% | 4,721 |
| Total risk-based capital ratio | 13.5031% | 4,640 |
| Memoranda: | ||
| Average total assets | $57,617,000 | 6,530 |
| Average earning assets | $53,234,000 | 6,506 |
| Average equity | $6,866,330 | 6,415 |
| Average total loans | $46,492,000 | 5,914 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5045% | 4,890 |
| Cost of funding earning assets | 2.7484% | 1,117 |
| Net interest margin | 2.7562% | 7,080 |
| Noninterest income to average assets | 0.6093% | 3,484 |
| Noninterest expense to average assets | 3.5266% | 2,036 |
| Loan and lease loss provision to assets | 0.5089% | 2,436 |
| Net operating income to assets | -0.6164% | 6,980 |
| Return on assets (ROA) | -0.6164% | 7,023 |
| Pretax return on assets | -0.8888% | 7,090 |
| Return on Equity (ROE) | -5.0263% | 6,978 |
| Retained earnings to average equity (ytd only) | -5.0263% | 6,551 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.0729% | 768 |
| Assets per employee ($millions) | 4.1558% | 3,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5910% | 2,558 |
| Loan loss allowance to noncurrent loans | 72.8972% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 2.9546% | 1,912 |
| Noncurrent loans to loans | 2.1826% | 3,005 |
| Net loans and leases to total assets | 82.9223% | 859 |
| Net loans and leases to deposits | 112.4409% | 503 |
| Net loans and leases to core deposits | 156.2794% | 560 |
| Total domestic deposits to total assets | 73.7474% | 6,926 |
| Equity capital to assets | 11.6894% | 2,455 |
| Core capital (leverage) ratio | 9.7300% | 3,709 |
| Tier 1 risk-based capital ratio | 12.3336% | 4,674 |
| Total risk-based capital ratio | 13.5899% | 4,587 |
| Memoranda: | ||
| Average total assets | $55,805,000 | 6,639 |
| Average earning assets | $51,376,000 | 6,603 |
| Average equity | $6,844,000 | 6,461 |
| Average total loans | $46,642,500 | 5,933 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9211% | 5,939 |
| Cost of funding earning assets | 3.0255% | 1,780 |
| Net interest margin | 2.8955% | 7,163 |
| Noninterest income to average assets | 0.7880% | 2,582 |
| Noninterest expense to average assets | 3.6238% | 2,089 |
| Loan and lease loss provision to assets | 0.1388% | 5,584 |
| Net operating income to assets | -0.1980% | 6,619 |
| Return on assets (ROA) | -0.1980% | 6,467 |
| Pretax return on assets | -0.2919% | 6,450 |
| Return on Equity (ROE) | -1.3908% | 6,416 |
| Retained earnings to average equity (ytd only) | -1.3908% | 5,705 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.4118% | 858 |
| Assets per employee ($millions) | 3.5619% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6019% | 2,236 |
| Loan loss allowance to noncurrent loans | 91.0141% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 2.6727% | 1,781 |
| Noncurrent loans to loans | 1.7601% | 3,124 |
| Net loans and leases to total assets | 81.5119% | 1,317 |
| Net loans and leases to deposits | 115.8025% | 531 |
| Net loans and leases to core deposits | 148.8821% | 891 |
| Total domestic deposits to total assets | 70.3887% | 7,234 |
| Equity capital to assets | 12.8900% | 1,834 |
| Core capital (leverage) ratio | 11.6425% | 2,164 |
| Tier 1 risk-based capital ratio | 13.5656% | 3,779 |
| Total risk-based capital ratio | 14.8215% | 3,682 |
| Memoranda: | ||
| Average total assets | $48,982,200 | 6,822 |
| Average earning assets | $45,380,400 | 6,797 |
| Average equity | $6,974,600 | 6,463 |
| Average total loans | $42,240,200 | 6,060 |