Home > Sunset Bank & Savings > Performance and Condition Ratios
Sunset Bank & Savings, Performance and Condition Ratios
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1552% | 1,277 |
| Cost of funding earning assets | 0.6568% | 665 |
| Net interest margin | 3.4984% | 1,827 |
| Noninterest income to average assets | 2.1319% | 340 |
| Noninterest expense to average assets | 4.1858% | 247 |
| Loan and lease loss provision to assets | 1.0082% | 41 |
| Net operating income to assets | -0.0780% | 4,806 |
| Return on assets (ROA) | -0.0780% | 4,808 |
| Pretax return on assets | -0.2311% | 4,844 |
| Return on Equity (ROE) | -0.6744% | 4,811 |
| Retained earnings to average equity (ytd only) | -0.6744% | 4,426 |
| Net charge-offs to loans | 1.5662% | 46 |
| Credit loss provision to net charge-offs | 99.1477% | 1,146 |
| Earnings coverage of net charge-offs (x) | 0.7642% | 1,877 |
| Efficiency ratio | 84.3423% | 580 |
| Assets per employee ($millions) | 5.6184% | 3,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 3,176 |
| Loan loss allowance to noncurrent loans | 2,502.5000% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.5952% | 1,606 |
| Noncurrent loans to loans | 0.0461% | 4,056 |
| Net loans and leases to total assets | 61.0611% | 2,398 |
| Net loans and leases to deposits | 69.7940% | 2,527 |
| Net loans and leases to core deposits | 71.5906% | 2,737 |
| Total domestic deposits to total assets | 87.4876% | 2,096 |
| Equity capital to assets | 11.3804% | 1,615 |
| Core capital (leverage) ratio | 10.5394% | 2,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,467,000 | 3,658 |
| Average earning assets | $112,052,500 | 3,842 |
| Average equity | $16,015,000 | 3,602 |
| Average total loans | $89,899,500 | 3,410 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3379% | 1,749 |
| Cost of funding earning assets | 1.1318% | 355 |
| Net interest margin | 3.2061% | 3,342 |
| Noninterest income to average assets | 1.3276% | 656 |
| Noninterest expense to average assets | 3.3360% | 863 |
| Loan and lease loss provision to assets | 0.0998% | 3,087 |
| Net operating income to assets | 0.5012% | 4,029 |
| Return on assets (ROA) | 0.5012% | 4,115 |
| Pretax return on assets | 0.6327% | 4,011 |
| Return on Equity (ROE) | 4.2682% | 4,094 |
| Retained earnings to average equity (ytd only) | 2.1593% | 3,761 |
| Net charge-offs to loans | 0.0132% | 2,867 |
| Credit loss provision to net charge-offs | 1,038.4615% | 763 |
| Earnings coverage of net charge-offs (x) | 76.2308% | 922 |
| Efficiency ratio | 81.9949% | 747 |
| Assets per employee ($millions) | 5.6864% | 2,639 |
| Cash dividends to net income (ytd only)* | 49.4100% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 3,563 |
| Loan loss allowance to noncurrent loans | 161.9355% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.8302% | 1,222 |
| Noncurrent loans to loans | 0.6664% | 2,020 |
| Net loans and leases to total assets | 67.4324% | 1,898 |
| Net loans and leases to deposits | 77.2609% | 2,150 |
| Net loans and leases to core deposits | 79.3090% | 2,419 |
| Total domestic deposits to total assets | 87.2788% | 1,805 |
| Equity capital to assets | 11.7569% | 1,699 |
| Core capital (leverage) ratio | 10.5735% | 2,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,283,000 | 3,563 |
| Average earning assets | $115,654,200 | 3,681 |
| Average equity | $15,885,000 | 3,566 |
| Average total loans | $98,356,800 | 3,256 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2652% | 2,202 |
| Cost of funding earning assets | 1.2045% | 365 |
| Net interest margin | 3.0607% | 3,838 |
| Noninterest income to average assets | 1.1458% | 802 |
| Noninterest expense to average assets | 3.1608% | 1,140 |
| Loan and lease loss provision to assets | 0.0889% | 3,202 |
| Net operating income to assets | 0.4307% | 4,203 |
| Return on assets (ROA) | 0.4307% | 4,268 |
| Pretax return on assets | 0.5314% | 4,223 |
| Return on Equity (ROE) | 3.6688% | 4,255 |
| Retained earnings to average equity (ytd only) | 2.7852% | 3,615 |
| Net charge-offs to loans | 0.0067% | 2,885 |
| Credit loss provision to net charge-offs | 1,800.0000% | 529 |
| Earnings coverage of net charge-offs (x) | 125.6000% | 677 |
| Efficiency ratio | 83.5946% | 634 |
| Assets per employee ($millions) | 5.6440% | 2,586 |
| Cash dividends to net income (ytd only)* | 24.0826% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9455% | 3,908 |
| Loan loss allowance to noncurrent loans | 119.0652% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 1.4288% | 625 |
| Noncurrent loans to loans | 0.7941% | 1,834 |
| Net loans and leases to total assets | 71.8719% | 1,686 |
| Net loans and leases to deposits | 82.1063% | 2,091 |
| Net loans and leases to core deposits | 84.7430% | 2,408 |
| Total domestic deposits to total assets | 87.5352% | 1,425 |
| Equity capital to assets | 11.3819% | 2,095 |
| Core capital (leverage) ratio | 10.6614% | 2,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,985,500 | 3,563 |
| Average earning assets | $116,223,500 | 3,660 |
| Average equity | $15,845,000 | 3,570 |
| Average total loans | $99,688,250 | 3,244 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2860% | 2,509 |
| Cost of funding earning assets | 1.2931% | 369 |
| Net interest margin | 2.9930% | 4,138 |
| Noninterest income to average assets | 0.9899% | 1,006 |
| Noninterest expense to average assets | 3.1246% | 1,297 |
| Loan and lease loss provision to assets | 0.0903% | 3,138 |
| Net operating income to assets | 0.3204% | 4,383 |
| Return on assets (ROA) | 0.3204% | 4,433 |
| Pretax return on assets | 0.3761% | 4,440 |
| Return on Equity (ROE) | 2.7008% | 4,401 |
| Retained earnings to average equity (ytd only) | 2.7008% | 3,502 |
| Net charge-offs to loans | 0.0061% | 2,747 |
| Credit loss provision to net charge-offs | 2,000.0000% | 478 |
| Earnings coverage of net charge-offs (x) | 103.3333% | 689 |
| Efficiency ratio | 87.0130% | 498 |
| Assets per employee ($millions) | 5.3273% | 2,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9130% | 3,946 |
| Loan loss allowance to noncurrent loans | 115.4982% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 1.4808% | 637 |
| Noncurrent loans to loans | 0.7905% | 1,912 |
| Net loans and leases to total assets | 73.5730% | 1,465 |
| Net loans and leases to deposits | 84.4971% | 1,937 |
| Net loans and leases to core deposits | 87.1983% | 2,331 |
| Total domestic deposits to total assets | 87.0717% | 1,587 |
| Equity capital to assets | 11.5197% | 1,957 |
| Core capital (leverage) ratio | 10.7342% | 2,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,947,000 | 3,561 |
| Average earning assets | $115,537,667 | 3,658 |
| Average equity | $15,773,333 | 3,573 |
| Average total loans | $98,791,000 | 3,258 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3516% | 2,773 |
| Cost of funding earning assets | 1.4085% | 381 |
| Net interest margin | 2.9431% | 4,363 |
| Noninterest income to average assets | 0.8021% | 1,307 |
| Noninterest expense to average assets | 3.1375% | 1,549 |
| Loan and lease loss provision to assets | 0.0922% | 2,534 |
| Net operating income to assets | 0.1598% | 4,589 |
| Return on assets (ROA) | 0.1598% | 4,591 |
| Pretax return on assets | 0.1537% | 4,621 |
| Return on Equity (ROE) | 1.3264% | 4,582 |
| Retained earnings to average equity (ytd only) | 1.3264% | 3,662 |
| Net charge-offs to loans | 0.0124% | 2,137 |
| Credit loss provision to net charge-offs | 1,000.0000% | 564 |
| Earnings coverage of net charge-offs (x) | 26.6667% | 1,251 |
| Efficiency ratio | 92.7339% | 403 |
| Assets per employee ($millions) | 4.4748% | 3,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9498% | 3,932 |
| Loan loss allowance to noncurrent loans | 113.4663% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 1.5728% | 662 |
| Noncurrent loans to loans | 0.8371% | 1,936 |
| Net loans and leases to total assets | 73.1282% | 1,762 |
| Net loans and leases to deposits | 84.2189% | 2,198 |
| Net loans and leases to core deposits | 87.5539% | 2,560 |
| Total domestic deposits to total assets | 86.8311% | 1,633 |
| Equity capital to assets | 12.1355% | 1,974 |
| Core capital (leverage) ratio | 10.9917% | 2,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,165,500 | 3,585 |
| Average earning assets | $114,164,500 | 3,642 |
| Average equity | $15,682,000 | 3,591 |
| Average total loans | $96,764,000 | 3,267 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6100% | 2,571 |
| Cost of funding earning assets | 1.3715% | 615 |
| Net interest margin | 3.2385% | 4,112 |
| Noninterest income to average assets | 0.8125% | 1,419 |
| Noninterest expense to average assets | 3.3061% | 1,285 |
| Loan and lease loss provision to assets | 0.0621% | 2,793 |
| Net operating income to assets | 0.2517% | 4,795 |
| Return on assets (ROA) | 0.2517% | 4,819 |
| Pretax return on assets | 0.2874% | 4,830 |
| Return on Equity (ROE) | 2.0771% | 4,789 |
| Retained earnings to average equity (ytd only) | -0.4488% | 4,763 |
| Net charge-offs to loans | 0.1208% | 1,545 |
| Credit loss provision to net charge-offs | 65.5738% | 2,972 |
| Earnings coverage of net charge-offs (x) | 3.6885% | 3,293 |
| Efficiency ratio | 90.4377% | 339 |
| Assets per employee ($millions) | 4.5022% | 3,217 |
| Cash dividends to net income (ytd only)* | 121.6049% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9026% | 3,948 |
| Loan loss allowance to noncurrent loans | 204.6404% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 1.3480% | 797 |
| Noncurrent loans to loans | 0.4411% | 2,864 |
| Net loans and leases to total assets | 74.1703% | 1,724 |
| Net loans and leases to deposits | 85.4404% | 2,159 |
| Net loans and leases to core deposits | 88.9925% | 2,516 |
| Total domestic deposits to total assets | 86.8094% | 1,706 |
| Equity capital to assets | 11.9605% | 2,157 |
| Core capital (leverage) ratio | 10.6990% | 2,760 |
| Tier 1 risk-based capital ratio | 16.7293% | 2,144 |
| Total risk-based capital ratio | 17.7755% | 2,153 |
| Memoranda: | ||
| Average total assets | $128,731,600 | 3,582 |
| Average earning assets | $113,015,400 | 3,663 |
| Average equity | $15,598,400 | 3,582 |
| Average total loans | $100,956,600 | 3,215 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6238% | 2,646 |
| Cost of funding earning assets | 1.3426% | 687 |
| Net interest margin | 3.2812% | 4,123 |
| Noninterest income to average assets | 0.6340% | 2,054 |
| Noninterest expense to average assets | 3.1193% | 1,671 |
| Loan and lease loss provision to assets | 0.0728% | 2,428 |
| Net operating income to assets | 0.2734% | 4,871 |
| Return on assets (ROA) | 0.2734% | 4,886 |
| Pretax return on assets | 0.3149% | 4,888 |
| Return on Equity (ROE) | 2.2487% | 4,874 |
| Retained earnings to average equity (ytd only) | 0.1624% | 4,735 |
| Net charge-offs to loans | 0.0066% | 3,145 |
| Credit loss provision to net charge-offs | 1,400.0000% | 265 |
| Earnings coverage of net charge-offs (x) | 74.5607% | 903 |
| Efficiency ratio | 88.9449% | 362 |
| Assets per employee ($millions) | 4.4980% | 3,211 |
| Cash dividends to net income (ytd only)* | 92.7765% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9755% | 3,705 |
| Loan loss allowance to noncurrent loans | 224.2630% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 1.3569% | 872 |
| Noncurrent loans to loans | 0.4350% | 3,007 |
| Net loans and leases to total assets | 76.9629% | 1,327 |
| Net loans and leases to deposits | 88.6409% | 1,850 |
| Net loans and leases to core deposits | 91.6119% | 2,401 |
| Total domestic deposits to total assets | 86.8256% | 1,604 |
| Equity capital to assets | 12.0490% | 2,220 |
| Core capital (leverage) ratio | 11.0485% | 2,603 |
| Tier 1 risk-based capital ratio | 16.0325% | 2,413 |
| Total risk-based capital ratio | 17.1498% | 2,406 |
| Memoranda: | ||
| Average total assets | $128,273,750 | 3,627 |
| Average earning assets | $112,314,000 | 3,708 |
| Average equity | $15,594,000 | 3,621 |
| Average total loans | $101,765,500 | 3,241 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6093% | 2,648 |
| Cost of funding earning assets | 1.2960% | 750 |
| Net interest margin | 3.3133% | 4,111 |
| Noninterest income to average assets | 0.5347% | 2,476 |
| Noninterest expense to average assets | 3.0717% | 1,809 |
| Loan and lease loss provision to assets | 0.0784% | 2,247 |
| Net operating income to assets | 0.2572% | 4,929 |
| Return on assets (ROA) | 0.2572% | 4,942 |
| Pretax return on assets | 0.2869% | 4,945 |
| Return on Equity (ROE) | 2.1089% | 4,924 |
| Retained earnings to average equity (ytd only) | -1.0287% | 4,829 |
| Net charge-offs to loans | 0.0098% | 2,781 |
| Credit loss provision to net charge-offs | 1,000.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 46.6000% | 1,148 |
| Efficiency ratio | 89.3704% | 376 |
| Assets per employee ($millions) | 4.5903% | 3,014 |
| Cash dividends to net income (ytd only)* | 148.7805% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 3,909 |
| Loan loss allowance to noncurrent loans | 125.1613% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 1.6775% | 631 |
| Noncurrent loans to loans | 0.7527% | 2,101 |
| Net loans and leases to total assets | 79.3584% | 992 |
| Net loans and leases to deposits | 91.5132% | 1,557 |
| Net loans and leases to core deposits | 94.3447% | 2,223 |
| Total domestic deposits to total assets | 86.7180% | 1,719 |
| Equity capital to assets | 12.1453% | 2,083 |
| Core capital (leverage) ratio | 11.0628% | 2,536 |
| Tier 1 risk-based capital ratio | 15.5964% | 2,587 |
| Total risk-based capital ratio | 16.6717% | 2,578 |
| Memoranda: | ||
| Average total assets | $127,551,000 | 3,658 |
| Average earning assets | $111,731,000 | 3,744 |
| Average equity | $15,553,000 | 3,630 |
| Average total loans | $101,893,670 | 3,261 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5649% | 2,648 |
| Cost of funding earning assets | 1.2276% | 830 |
| Net interest margin | 3.3373% | 4,068 |
| Noninterest income to average assets | 0.5541% | 2,266 |
| Noninterest expense to average assets | 3.0630% | 1,822 |
| Loan and lease loss provision to assets | 0.0944% | 1,843 |
| Net operating income to assets | 0.2833% | 4,918 |
| Return on assets (ROA) | 0.2833% | 4,928 |
| Pretax return on assets | 0.3148% | 4,944 |
| Return on Equity (ROE) | 2.3189% | 4,925 |
| Retained earnings to average equity (ytd only) | -3.9679% | 4,865 |
| Net charge-offs to loans | 0.0079% | 2,412 |
| Credit loss provision to net charge-offs | 1,500.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 65.0000% | 880 |
| Efficiency ratio | 88.2140% | 472 |
| Assets per employee ($millions) | 4.3811% | 3,359 |
| Cash dividends to net income (ytd only)* | 271.1111% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9372% | 4,017 |
| Loan loss allowance to noncurrent loans | 122.9677% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 1.9834% | 502 |
| Noncurrent loans to loans | 0.7622% | 2,123 |
| Net loans and leases to total assets | 79.2827% | 941 |
| Net loans and leases to deposits | 92.6160% | 1,327 |
| Net loans and leases to core deposits | 95.2981% | 1,998 |
| Total domestic deposits to total assets | 85.6036% | 2,444 |
| Equity capital to assets | 12.1855% | 1,911 |
| Core capital (leverage) ratio | 11.1174% | 2,458 |
| Tier 1 risk-based capital ratio | 15.5422% | 2,630 |
| Total risk-based capital ratio | 16.6029% | 2,641 |
| Memoranda: | ||
| Average total assets | $127,063,000 | 3,691 |
| Average earning assets | $111,108,500 | 3,798 |
| Average equity | $15,524,500 | 3,643 |
| Average total loans | $101,357,000 | 3,305 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3946% | 2,780 |
| Cost of funding earning assets | 0.8419% | 1,342 |
| Net interest margin | 3.5526% | 3,539 |
| Noninterest income to average assets | 0.6272% | 2,160 |
| Noninterest expense to average assets | 3.2115% | 1,523 |
| Loan and lease loss provision to assets | 0.0865% | 2,412 |
| Net operating income to assets | 0.3774% | 4,897 |
| Return on assets (ROA) | 0.3828% | 4,885 |
| Pretax return on assets | 0.4464% | 4,876 |
| Return on Equity (ROE) | 3.1677% | 4,874 |
| Retained earnings to average equity (ytd only) | 2.3546% | 4,201 |
| Net charge-offs to loans | 0.0061% | 3,478 |
| Credit loss provision to net charge-offs | 1,833.3333% | 239 |
| Earnings coverage of net charge-offs (x) | 111.6667% | 683 |
| Efficiency ratio | 85.9125% | 530 |
| Assets per employee ($millions) | 4.5383% | 3,111 |
| Cash dividends to net income (ytd only)* | 25.6674% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9146% | 4,099 |
| Loan loss allowance to noncurrent loans | 127.4483% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 1.9438% | 503 |
| Noncurrent loans to loans | 0.7176% | 2,192 |
| Net loans and leases to total assets | 78.7783% | 1,141 |
| Net loans and leases to deposits | 94.5842% | 1,217 |
| Net loans and leases to core deposits | 97.3765% | 1,930 |
| Total domestic deposits to total assets | 83.2891% | 3,228 |
| Equity capital to assets | 12.2504% | 1,725 |
| Core capital (leverage) ratio | 11.2497% | 2,307 |
| Tier 1 risk-based capital ratio | 15.7398% | 2,516 |
| Total risk-based capital ratio | 16.7727% | 2,533 |
| Memoranda: | ||
| Average total assets | $127,231,600 | 3,682 |
| Average earning assets | $111,410,600 | 3,784 |
| Average equity | $15,374,000 | 3,592 |
| Average total loans | $97,785,000 | 3,344 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3450% | 2,806 |
| Cost of funding earning assets | 0.7891% | 1,387 |
| Net interest margin | 3.5559% | 3,502 |
| Noninterest income to average assets | 0.6621% | 2,017 |
| Noninterest expense to average assets | 3.2800% | 1,343 |
| Loan and lease loss provision to assets | 0.0838% | 2,289 |
| Net operating income to assets | 0.3594% | 5,012 |
| Return on assets (ROA) | 0.3667% | 4,998 |
| Pretax return on assets | 0.4222% | 5,012 |
| Return on Equity (ROE) | 3.0449% | 4,998 |
| Retained earnings to average equity (ytd only) | 1.9574% | 4,594 |
| Net charge-offs to loans | 0.0069% | 3,183 |
| Credit loss provision to net charge-offs | 1,600.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 94.9505% | 786 |
| Efficiency ratio | 86.8275% | 473 |
| Assets per employee ($millions) | 4.3972% | 3,276 |
| Cash dividends to net income (ytd only)* | 35.7134% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8895% | 4,306 |
| Loan loss allowance to noncurrent loans | 123.5862% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 1.9370% | 560 |
| Noncurrent loans to loans | 0.7197% | 2,279 |
| Net loans and leases to total assets | 78.2934% | 1,295 |
| Net loans and leases to deposits | 92.7225% | 1,530 |
| Net loans and leases to core deposits | 95.4037% | 2,171 |
| Total domestic deposits to total assets | 84.4384% | 2,798 |
| Equity capital to assets | 12.0484% | 1,884 |
| Core capital (leverage) ratio | 11.0725% | 2,511 |
| Tier 1 risk-based capital ratio | 15.5289% | 2,642 |
| Total risk-based capital ratio | 16.5308% | 2,674 |
| Memoranda: | ||
| Average total assets | $127,271,250 | 3,714 |
| Average earning assets | $111,512,750 | 3,822 |
| Average equity | $15,325,750 | 3,621 |
| Average total loans | $96,973,750 | 3,389 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2660% | 2,888 |
| Cost of funding earning assets | 0.7418% | 1,421 |
| Net interest margin | 3.5243% | 3,554 |
| Noninterest income to average assets | 0.6070% | 2,288 |
| Noninterest expense to average assets | 3.2660% | 1,397 |
| Loan and lease loss provision to assets | 0.0786% | 2,333 |
| Net operating income to assets | 0.3235% | 5,089 |
| Return on assets (ROA) | 0.3192% | 5,085 |
| Pretax return on assets | 0.3507% | 5,105 |
| Return on Equity (ROE) | 2.6513% | 5,072 |
| Retained earnings to average equity (ytd only) | 1.0187% | 4,752 |
| Net charge-offs to loans | 0.0042% | 3,028 |
| Credit loss provision to net charge-offs | 2,500.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 138.0000% | 555 |
| Efficiency ratio | 88.2703% | 449 |
| Assets per employee ($millions) | 4.4418% | 3,220 |
| Cash dividends to net income (ytd only)* | 61.5764% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8670% | 4,486 |
| Loan loss allowance to noncurrent loans | 119.7241% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 2.6186% | 322 |
| Noncurrent loans to loans | 0.7241% | 2,300 |
| Net loans and leases to total assets | 77.0532% | 1,460 |
| Net loans and leases to deposits | 92.2906% | 1,554 |
| Net loans and leases to core deposits | 94.9680% | 2,143 |
| Total domestic deposits to total assets | 83.4898% | 3,253 |
| Equity capital to assets | 11.8600% | 1,951 |
| Core capital (leverage) ratio | 10.9798% | 2,542 |
| Tier 1 risk-based capital ratio | 15.3866% | 2,694 |
| Total risk-based capital ratio | 16.3591% | 2,747 |
| Memoranda: | ||
| Average total assets | $127,188,670 | 3,745 |
| Average earning assets | $111,626,330 | 3,850 |
| Average equity | $15,313,000 | 3,643 |
| Average total loans | $95,720,000 | 3,414 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1803% | 2,944 |
| Cost of funding earning assets | 0.7063% | 1,406 |
| Net interest margin | 3.4739% | 3,632 |
| Noninterest income to average assets | 0.5602% | 2,470 |
| Noninterest expense to average assets | 3.2981% | 1,349 |
| Loan and lease loss provision to assets | 0.0633% | 2,505 |
| Net operating income to assets | 0.2374% | 5,202 |
| Return on assets (ROA) | 0.2374% | 5,200 |
| Pretax return on assets | 0.2500% | 5,219 |
| Return on Equity (ROE) | 1.9568% | 5,185 |
| Retained earnings to average equity (ytd only) | 1.9568% | 4,359 |
| Net charge-offs to loans | 0.0086% | 2,428 |
| Credit loss provision to net charge-offs | 1,000.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 49.5000% | 949 |
| Efficiency ratio | 91.3234% | 390 |
| Assets per employee ($millions) | 4.3249% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9025% | 4,439 |
| Loan loss allowance to noncurrent loans | 30.0825% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 3.7936% | 176 |
| Noncurrent loans to loans | 3.0000% | 400 |
| Net loans and leases to total assets | 73.4552% | 1,956 |
| Net loans and leases to deposits | 85.8371% | 2,186 |
| Net loans and leases to core deposits | 88.6248% | 2,581 |
| Total domestic deposits to total assets | 85.5751% | 2,718 |
| Equity capital to assets | 12.2012% | 1,660 |
| Core capital (leverage) ratio | 10.9883% | 2,454 |
| Tier 1 risk-based capital ratio | 16.0999% | 2,422 |
| Total risk-based capital ratio | 17.0834% | 2,487 |
| Memoranda: | ||
| Average total assets | $126,377,500 | 3,787 |
| Average earning assets | $110,998,000 | 3,906 |
| Average equity | $15,331,000 | 3,668 |
| Average total loans | $93,519,500 | 3,474 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2571% | 2,473 |
| Cost of funding earning assets | 0.6165% | 1,496 |
| Net interest margin | 3.6406% | 3,023 |
| Noninterest income to average assets | 0.7067% | 1,935 |
| Noninterest expense to average assets | 3.3492% | 1,290 |
| Loan and lease loss provision to assets | 0.2691% | 669 |
| Net operating income to assets | -0.2730% | 5,469 |
| Return on assets (ROA) | -0.2730% | 5,468 |
| Pretax return on assets | 0.2574% | 5,257 |
| Return on Equity (ROE) | -2.2121% | 5,467 |
| Retained earnings to average equity (ytd only) | -2.2121% | 5,301 |
| Net charge-offs to loans | 0.1156% | 1,890 |
| Credit loss provision to net charge-offs | 325.4717% | 883 |
| Earnings coverage of net charge-offs (x) | 6.3679% | 3,192 |
| Efficiency ratio | 86.4158% | 618 |
| Assets per employee ($millions) | 4.5476% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8717% | 4,589 |
| Loan loss allowance to noncurrent loans | 29.4012% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 3.7382% | 169 |
| Noncurrent loans to loans | 2.9648% | 380 |
| Net loans and leases to total assets | 73.2340% | 2,059 |
| Net loans and leases to deposits | 85.9464% | 2,269 |
| Net loans and leases to core deposits | 88.6863% | 2,671 |
| Total domestic deposits to total assets | 85.2089% | 2,755 |
| Equity capital to assets | 12.0621% | 1,791 |
| Core capital (leverage) ratio | 10.7100% | 2,638 |
| Tier 1 risk-based capital ratio | 15.7468% | 2,538 |
| Total risk-based capital ratio | 16.6972% | 2,584 |
| Memoranda: | ||
| Average total assets | $128,208,600 | 3,773 |
| Average earning assets | $111,601,600 | 3,889 |
| Average equity | $15,821,800 | 3,623 |
| Average total loans | $91,668,400 | 3,496 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1443% | 2,820 |
| Cost of funding earning assets | 0.6073% | 1,482 |
| Net interest margin | 3.5371% | 3,361 |
| Noninterest income to average assets | 0.7869% | 1,633 |
| Noninterest expense to average assets | 3.4208% | 1,117 |
| Loan and lease loss provision to assets | 0.1142% | 1,888 |
| Net operating income to assets | 0.3499% | 5,111 |
| Return on assets (ROA) | 0.3499% | 5,133 |
| Pretax return on assets | 0.3239% | 5,287 |
| Return on Equity (ROE) | 2.8193% | 5,153 |
| Retained earnings to average equity (ytd only) | 2.8193% | 4,223 |
| Net charge-offs to loans | 0.1537% | 1,322 |
| Credit loss provision to net charge-offs | 104.7619% | 2,210 |
| Earnings coverage of net charge-offs (x) | 4.0189% | 3,275 |
| Efficiency ratio | 88.6468% | 472 |
| Assets per employee ($millions) | 4.4336% | 3,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6400% | 5,254 |
| Loan loss allowance to noncurrent loans | 23.2752% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 3.5225% | 213 |
| Noncurrent loans to loans | 2.7499% | 509 |
| Net loans and leases to total assets | 70.8738% | 2,428 |
| Net loans and leases to deposits | 81.9899% | 2,778 |
| Net loans and leases to core deposits | 84.2955% | 3,106 |
| Total domestic deposits to total assets | 86.4422% | 2,118 |
| Equity capital to assets | 12.5507% | 1,632 |
| Core capital (leverage) ratio | 11.0409% | 2,416 |
| Tier 1 risk-based capital ratio | 16.3882% | 2,357 |
| Total risk-based capital ratio | 17.0813% | 2,512 |
| Memoranda: | ||
| Average total assets | $128,427,500 | 3,814 |
| Average earning assets | $111,538,750 | 3,927 |
| Average equity | $15,937,500 | 3,637 |
| Average total loans | $91,067,750 | 3,536 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1139% | 2,779 |
| Cost of funding earning assets | 0.6026% | 1,428 |
| Net interest margin | 3.5114% | 3,354 |
| Noninterest income to average assets | 0.8709% | 1,364 |
| Noninterest expense to average assets | 3.4959% | 1,016 |
| Loan and lease loss provision to assets | 0.0935% | 2,121 |
| Net operating income to assets | 0.3832% | 5,012 |
| Return on assets (ROA) | 0.3832% | 5,041 |
| Pretax return on assets | 0.3318% | 5,297 |
| Return on Equity (ROE) | 3.1000% | 5,084 |
| Retained earnings to average equity (ytd only) | 3.1000% | 3,866 |
| Net charge-offs to loans | 0.0154% | 2,936 |
| Credit loss provision to net charge-offs | 857.1429% | 433 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 1,266 |
| Efficiency ratio | 89.1538% | 494 |
| Assets per employee ($millions) | 4.7064% | 2,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6928% | 5,230 |
| Loan loss allowance to noncurrent loans | 21.7421% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 3.9261% | 177 |
| Noncurrent loans to loans | 3.1862% | 386 |
| Net loans and leases to total assets | 71.5213% | 2,276 |
| Net loans and leases to deposits | 83.3341% | 2,566 |
| Net loans and leases to core deposits | 85.3958% | 2,937 |
| Total domestic deposits to total assets | 85.8248% | 2,460 |
| Equity capital to assets | 12.6391% | 1,549 |
| Core capital (leverage) ratio | 10.8761% | 2,532 |
| Tier 1 risk-based capital ratio | 16.3174% | 2,392 |
| Total risk-based capital ratio | 17.0676% | 2,513 |
| Memoranda: | ||
| Average total assets | $128,378,330 | 3,839 |
| Average earning assets | $111,523,000 | 3,952 |
| Average equity | $15,871,000 | 3,651 |
| Average total loans | $90,852,670 | 3,560 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1888% | 2,308 |
| Cost of funding earning assets | 0.6015% | 1,362 |
| Net interest margin | 3.5873% | 2,932 |
| Noninterest income to average assets | 0.6510% | 2,172 |
| Noninterest expense to average assets | 3.2798% | 1,428 |
| Loan and lease loss provision to assets | 0.0930% | 1,985 |
| Net operating income to assets | 0.3379% | 5,107 |
| Return on assets (ROA) | 0.3379% | 5,129 |
| Pretax return on assets | 0.3844% | 5,187 |
| Return on Equity (ROE) | 2.7637% | 5,161 |
| Retained earnings to average equity (ytd only) | 2.7637% | 4,026 |
| Net charge-offs to loans | 0.0133% | 2,538 |
| Credit loss provision to net charge-offs | 1,000.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 51.3333% | 883 |
| Efficiency ratio | 87.2937% | 712 |
| Assets per employee ($millions) | 4.4427% | 3,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6647% | 5,375 |
| Loan loss allowance to noncurrent loans | 21.5909% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 3.9382% | 194 |
| Noncurrent loans to loans | 3.0785% | 441 |
| Net loans and leases to total assets | 70.5252% | 2,289 |
| Net loans and leases to deposits | 81.2526% | 2,597 |
| Net loans and leases to core deposits | 83.7950% | 2,922 |
| Total domestic deposits to total assets | 86.7975% | 2,313 |
| Equity capital to assets | 12.3146% | 1,653 |
| Core capital (leverage) ratio | 10.8076% | 2,591 |
| Tier 1 risk-based capital ratio | 15.9510% | 2,569 |
| Total risk-based capital ratio | 16.6614% | 2,724 |
| Memoranda: | ||
| Average total assets | $129,030,500 | 3,861 |
| Average earning assets | $111,727,000 | 3,983 |
| Average equity | $15,776,000 | 3,690 |
| Average total loans | $90,519,500 | 3,589 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0118% | 3,157 |
| Cost of funding earning assets | 0.6136% | 1,248 |
| Net interest margin | 3.3982% | 3,831 |
| Noninterest income to average assets | 0.9306% | 1,320 |
| Noninterest expense to average assets | 3.4127% | 1,325 |
| Loan and lease loss provision to assets | 0.0468% | 3,453 |
| Net operating income to assets | 0.3095% | 5,199 |
| Return on assets (ROA) | 0.3300% | 5,218 |
| Pretax return on assets | 0.4033% | 5,224 |
| Return on Equity (ROE) | 2.6241% | 5,263 |
| Retained earnings to average equity (ytd only) | -0.4777% | 5,377 |
| Net charge-offs to loans | 0.3176% | 865 |
| Credit loss provision to net charge-offs | 23.8095% | 3,645 |
| Earnings coverage of net charge-offs (x) | 2.1627% | 3,876 |
| Efficiency ratio | 88.9228% | 621 |
| Assets per employee ($millions) | 4.4559% | 3,180 |
| Cash dividends to net income (ytd only)* | 118.2033% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6487% | 5,450 |
| Loan loss allowance to noncurrent loans | 17.1033% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 4.3762% | 162 |
| Noncurrent loans to loans | 3.7927% | 293 |
| Net loans and leases to total assets | 68.8629% | 2,636 |
| Net loans and leases to deposits | 80.3630% | 2,851 |
| Net loans and leases to core deposits | 83.0938% | 3,119 |
| Total domestic deposits to total assets | 85.6897% | 2,733 |
| Equity capital to assets | 12.1388% | 1,711 |
| Core capital (leverage) ratio | 10.4253% | 2,952 |
| Tier 1 risk-based capital ratio | 15.6741% | 2,680 |
| Total risk-based capital ratio | 16.3595% | 2,851 |
| Memoranda: | ||
| Average total assets | $128,197,800 | 3,859 |
| Average earning assets | $109,675,800 | 4,010 |
| Average equity | $16,120,000 | 3,680 |
| Average total loans | $79,344,200 | 3,812 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9795% | 3,298 |
| Cost of funding earning assets | 0.6044% | 1,287 |
| Net interest margin | 3.3751% | 3,940 |
| Noninterest income to average assets | 0.9389% | 1,278 |
| Noninterest expense to average assets | 3.4213% | 1,308 |
| Loan and lease loss provision to assets | 0.0313% | 3,603 |
| Net operating income to assets | 0.2981% | 5,288 |
| Return on assets (ROA) | 0.3251% | 5,308 |
| Pretax return on assets | 0.4002% | 5,308 |
| Return on Equity (ROE) | 2.5633% | 5,340 |
| Retained earnings to average equity (ytd only) | 2.5633% | 4,375 |
| Net charge-offs to loans | 0.3386% | 680 |
| Credit loss provision to net charge-offs | 15.3846% | 3,323 |
| Earnings coverage of net charge-offs (x) | 1.9590% | 3,636 |
| Efficiency ratio | 89.5771% | 587 |
| Assets per employee ($millions) | 4.2876% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7513% | 5,315 |
| Loan loss allowance to noncurrent loans | 21.5909% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 3.8366% | 228 |
| Noncurrent loans to loans | 3.4797% | 374 |
| Net loans and leases to total assets | 62.4421% | 3,599 |
| Net loans and leases to deposits | 73.5600% | 3,636 |
| Net loans and leases to core deposits | 76.0710% | 3,826 |
| Total domestic deposits to total assets | 84.8859% | 2,857 |
| Equity capital to assets | 12.7554% | 1,618 |
| Core capital (leverage) ratio | 10.9150% | 2,545 |
| Tier 1 risk-based capital ratio | 17.4879% | 2,083 |
| Total risk-based capital ratio | 18.2654% | 2,180 |
| Memoranda: | ||
| Average total assets | $127,941,750 | 3,886 |
| Average earning assets | $109,190,250 | 4,048 |
| Average equity | $16,228,500 | 3,692 |
| Average total loans | $76,788,500 | 3,906 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0024% | 3,237 |
| Cost of funding earning assets | 0.5946% | 1,355 |
| Net interest margin | 3.4079% | 3,860 |
| Noninterest income to average assets | 0.9161% | 1,325 |
| Noninterest expense to average assets | 3.4358% | 1,304 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3259% | 5,249 |
| Return on assets (ROA) | 0.3680% | 5,218 |
| Pretax return on assets | 0.4385% | 5,264 |
| Return on Equity (ROE) | 2.9068% | 5,266 |
| Retained earnings to average equity (ytd only) | 2.9068% | 4,060 |
| Net charge-offs to loans | 0.5092% | 428 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.2917% | 3,431 |
| Efficiency ratio | 89.8444% | 611 |
| Assets per employee ($millions) | 4.2060% | 3,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7662% | 5,357 |
| Loan loss allowance to noncurrent loans | 52.5362% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 2.5614% | 530 |
| Noncurrent loans to loans | 1.4584% | 1,517 |
| Net loans and leases to total assets | 59.5343% | 3,944 |
| Net loans and leases to deposits | 70.0292% | 3,978 |
| Net loans and leases to core deposits | 73.1781% | 4,061 |
| Total domestic deposits to total assets | 85.0136% | 2,876 |
| Equity capital to assets | 12.9433% | 1,539 |
| Core capital (leverage) ratio | 11.1682% | 2,266 |
| Tier 1 risk-based capital ratio | 18.0247% | 1,926 |
| Total risk-based capital ratio | 18.7722% | 2,029 |
| Memoranda: | ||
| Average total assets | $127,713,000 | 3,923 |
| Average earning assets | $108,983,330 | 4,081 |
| Average equity | $16,169,000 | 3,712 |
| Average total loans | $75,409,330 | 3,966 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0073% | 3,205 |
| Cost of funding earning assets | 0.5824% | 1,463 |
| Net interest margin | 3.4249% | 3,788 |
| Noninterest income to average assets | 0.8499% | 1,440 |
| Noninterest expense to average assets | 3.3749% | 1,434 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3242% | 5,227 |
| Return on assets (ROA) | 0.4078% | 5,048 |
| Pretax return on assets | 0.4857% | 5,120 |
| Return on Equity (ROE) | 3.2572% | 5,139 |
| Retained earnings to average equity (ytd only) | 3.2572% | 3,867 |
| Net charge-offs to loans | 1.0151% | 180 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.6492% | 2,904 |
| Efficiency ratio | 89.7351% | 686 |
| Assets per employee ($millions) | 4.1317% | 3,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7876% | 5,405 |
| Loan loss allowance to noncurrent loans | 75.1938% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 2.5530% | 571 |
| Noncurrent loans to loans | 1.0475% | 2,299 |
| Net loans and leases to total assets | 57.2371% | 4,123 |
| Net loans and leases to deposits | 67.0499% | 4,151 |
| Net loans and leases to core deposits | 69.7974% | 4,254 |
| Total domestic deposits to total assets | 85.3650% | 2,975 |
| Equity capital to assets | 12.6317% | 1,599 |
| Core capital (leverage) ratio | 11.0380% | 2,371 |
| Tier 1 risk-based capital ratio | 18.4356% | 1,875 |
| Total risk-based capital ratio | 19.2086% | 1,961 |
| Memoranda: | ||
| Average total assets | $128,479,000 | 3,938 |
| Average earning assets | $109,201,000 | 4,104 |
| Average equity | $16,087,500 | 3,718 |
| Average total loans | $75,263,500 | 3,993 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0321% | 3,187 |
| Cost of funding earning assets | 0.5475% | 1,786 |
| Net interest margin | 3.4847% | 3,575 |
| Noninterest income to average assets | 0.7134% | 2,139 |
| Noninterest expense to average assets | 3.2488% | 1,840 |
| Loan and lease loss provision to assets | 0.0229% | 3,924 |
| Net operating income to assets | 0.3575% | 5,190 |
| Return on assets (ROA) | 0.3930% | 5,153 |
| Pretax return on assets | 0.4565% | 5,209 |
| Return on Equity (ROE) | 3.2558% | 5,212 |
| Retained earnings to average equity (ytd only) | 3.2558% | 3,736 |
| Net charge-offs to loans | 0.0105% | 4,104 |
| Credit loss provision to net charge-offs | 375.0000% | 794 |
| Earnings coverage of net charge-offs (x) | 71.6250% | 753 |
| Efficiency ratio | 88.1170% | 828 |
| Assets per employee ($millions) | 4.2958% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 4,553 |
| Loan loss allowance to noncurrent loans | 61.4467% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 2.6328% | 567 |
| Noncurrent loans to loans | 1.6416% | 1,389 |
| Net loans and leases to total assets | 58.8640% | 3,988 |
| Net loans and leases to deposits | 68.7253% | 4,058 |
| Net loans and leases to core deposits | 70.8352% | 4,231 |
| Total domestic deposits to total assets | 85.6512% | 2,785 |
| Equity capital to assets | 12.4120% | 1,665 |
| Core capital (leverage) ratio | 10.6440% | 2,781 |
| Tier 1 risk-based capital ratio | 17.4053% | 2,152 |
| Total risk-based capital ratio | 18.3838% | 2,191 |
| Memoranda: | ||
| Average total assets | $130,786,600 | 3,875 |
| Average earning assets | $111,603,000 | 4,043 |
| Average equity | $15,787,200 | 3,713 |
| Average total loans | $75,923,200 | 3,947 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0221% | 3,250 |
| Cost of funding earning assets | 0.5379% | 1,905 |
| Net interest margin | 3.4843% | 3,605 |
| Noninterest income to average assets | 0.7283% | 2,118 |
| Noninterest expense to average assets | 3.1803% | 2,020 |
| Loan and lease loss provision to assets | 0.0305% | 3,624 |
| Net operating income to assets | 0.4134% | 5,115 |
| Return on assets (ROA) | 0.4134% | 5,200 |
| Pretax return on assets | 0.4916% | 5,239 |
| Return on Equity (ROE) | 3.4487% | 5,233 |
| Retained earnings to average equity (ytd only) | 3.4487% | 4,014 |
| Net charge-offs to loans | 0.0053% | 3,992 |
| Credit loss provision to net charge-offs | 1,000.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 171.3300% | 417 |
| Efficiency ratio | 85.8985% | 1,009 |
| Assets per employee ($millions) | 4.3621% | 3,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 4,615 |
| Loan loss allowance to noncurrent loans | 61.5202% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 3.0536% | 488 |
| Noncurrent loans to loans | 1.6662% | 1,470 |
| Net loans and leases to total assets | 57.3297% | 4,216 |
| Net loans and leases to deposits | 67.3773% | 4,250 |
| Net loans and leases to core deposits | 69.6906% | 4,403 |
| Total domestic deposits to total assets | 85.0876% | 2,971 |
| Equity capital to assets | 12.1882% | 1,970 |
| Core capital (leverage) ratio | 10.5216% | 3,022 |
| Tier 1 risk-based capital ratio | 17.1399% | 2,320 |
| Total risk-based capital ratio | 18.1186% | 2,376 |
| Memoranda: | ||
| Average total assets | $131,264,500 | 3,909 |
| Average earning assets | $112,043,500 | 4,083 |
| Average equity | $15,735,000 | 3,755 |
| Average total loans | $75,745,500 | 3,984 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0338% | 3,145 |
| Cost of funding earning assets | 0.5292% | 1,989 |
| Net interest margin | 3.5046% | 3,477 |
| Noninterest income to average assets | 0.7778% | 1,879 |
| Noninterest expense to average assets | 3.1614% | 2,091 |
| Loan and lease loss provision to assets | 0.0457% | 3,201 |
| Net operating income to assets | 0.4582% | 4,951 |
| Return on assets (ROA) | 0.4582% | 5,043 |
| Pretax return on assets | 0.5647% | 5,063 |
| Return on Equity (ROE) | 3.8434% | 5,079 |
| Retained earnings to average equity (ytd only) | 3.8434% | 3,556 |
| Net charge-offs to loans | 0.0053% | 3,711 |
| Credit loss provision to net charge-offs | 1,500.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 200.5000% | 349 |
| Efficiency ratio | 83.8176% | 1,280 |
| Assets per employee ($millions) | 4.5038% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 4,785 |
| Loan loss allowance to noncurrent loans | 60.5284% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 3.0955% | 521 |
| Noncurrent loans to loans | 1.6790% | 1,548 |
| Net loans and leases to total assets | 58.0916% | 4,091 |
| Net loans and leases to deposits | 68.1585% | 4,123 |
| Net loans and leases to core deposits | 70.2322% | 4,305 |
| Total domestic deposits to total assets | 85.2302% | 3,029 |
| Equity capital to assets | 12.0579% | 1,977 |
| Core capital (leverage) ratio | 10.3211% | 3,193 |
| Tier 1 risk-based capital ratio | 17.2356% | 2,311 |
| Total risk-based capital ratio | 18.2360% | 2,358 |
| Memoranda: | ||
| Average total assets | $131,398,000 | 3,938 |
| Average earning assets | $112,252,670 | 4,112 |
| Average equity | $15,663,330 | 3,787 |
| Average total loans | $75,727,000 | 4,006 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0336% | 3,106 |
| Cost of funding earning assets | 0.5224% | 2,087 |
| Net interest margin | 3.5112% | 3,386 |
| Noninterest income to average assets | 0.7982% | 1,710 |
| Noninterest expense to average assets | 3.1413% | 2,157 |
| Loan and lease loss provision to assets | 0.0911% | 2,174 |
| Net operating income to assets | 0.4583% | 4,839 |
| Return on assets (ROA) | 0.4583% | 4,958 |
| Pretax return on assets | 0.5645% | 5,009 |
| Return on Equity (ROE) | 3.8667% | 5,033 |
| Retained earnings to average equity (ytd only) | 3.8667% | 3,682 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7338% | 1,530 |
| Assets per employee ($millions) | 4.8829% | 2,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 4,770 |
| Loan loss allowance to noncurrent loans | 63.1068% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 3.0522% | 609 |
| Noncurrent loans to loans | 1.6613% | 1,673 |
| Net loans and leases to total assets | 55.8401% | 4,221 |
| Net loans and leases to deposits | 66.2393% | 4,133 |
| Net loans and leases to core deposits | 67.9374% | 4,330 |
| Total domestic deposits to total assets | 84.3005% | 3,698 |
| Equity capital to assets | 11.9616% | 2,055 |
| Core capital (leverage) ratio | 10.2680% | 3,253 |
| Tier 1 risk-based capital ratio | 17.2335% | 2,396 |
| Total risk-based capital ratio | 18.2464% | 2,436 |
| Memoranda: | ||
| Average total assets | $131,791,500 | 3,960 |
| Average earning assets | $112,554,500 | 4,133 |
| Average equity | $15,620,500 | 3,814 |
| Average total loans | $75,264,000 | 4,042 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1776% | 3,020 |
| Cost of funding earning assets | 0.5234% | 2,460 |
| Net interest margin | 3.6541% | 3,205 |
| Noninterest income to average assets | 0.6326% | 2,659 |
| Noninterest expense to average assets | 3.1292% | 2,423 |
| Loan and lease loss provision to assets | 0.0827% | 2,826 |
| Net operating income to assets | 0.4309% | 5,108 |
| Return on assets (ROA) | 0.4754% | 4,997 |
| Pretax return on assets | 0.5897% | 4,974 |
| Return on Equity (ROE) | 4.1880% | 5,029 |
| Retained earnings to average equity (ytd only) | 2.7964% | 4,253 |
| Net charge-offs to loans | 0.2784% | 1,557 |
| Credit loss provision to net charge-offs | 52.8846% | 3,423 |
| Earnings coverage of net charge-offs (x) | 3.9471% | 3,779 |
| Efficiency ratio | 83.5174% | 1,469 |
| Assets per employee ($millions) | 4.5429% | 2,966 |
| Cash dividends to net income (ytd only)* | 33.2278% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9865% | 5,130 |
| Loan loss allowance to noncurrent loans | 107.2857% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 2.6498% | 849 |
| Noncurrent loans to loans | 0.9195% | 3,016 |
| Net loans and leases to total assets | 57.2155% | 4,167 |
| Net loans and leases to deposits | 67.7020% | 4,155 |
| Net loans and leases to core deposits | 69.4293% | 4,372 |
| Total domestic deposits to total assets | 84.5109% | 3,504 |
| Equity capital to assets | 11.7432% | 2,212 |
| Core capital (leverage) ratio | 9.9421% | 3,655 |
| Tier 1 risk-based capital ratio | 16.4632% | 2,728 |
| Total risk-based capital ratio | 17.4017% | 2,833 |
| Memoranda: | ||
| Average total assets | $132,942,200 | 3,923 |
| Average earning assets | $113,296,000 | 4,107 |
| Average equity | $15,090,800 | 3,816 |
| Average total loans | $74,718,400 | 4,032 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1949% | 3,006 |
| Cost of funding earning assets | 0.5178% | 2,579 |
| Net interest margin | 3.6771% | 3,120 |
| Noninterest income to average assets | 0.6504% | 2,571 |
| Noninterest expense to average assets | 3.1161% | 2,424 |
| Loan and lease loss provision to assets | 0.1061% | 2,266 |
| Net operating income to assets | 0.4446% | 5,097 |
| Return on assets (ROA) | 0.5023% | 4,930 |
| Pretax return on assets | 0.6354% | 4,919 |
| Return on Equity (ROE) | 4.4634% | 4,981 |
| Retained earnings to average equity (ytd only) | 2.5962% | 4,738 |
| Net charge-offs to loans | 0.1954% | 1,907 |
| Credit loss provision to net charge-offs | 97.2477% | 2,300 |
| Earnings coverage of net charge-offs (x) | 6.1284% | 3,138 |
| Efficiency ratio | 82.3374% | 1,571 |
| Assets per employee ($millions) | 4.5185% | 2,937 |
| Cash dividends to net income (ytd only)* | 41.8320% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 4,600 |
| Loan loss allowance to noncurrent loans | 127.7946% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 1.8465% | 1,601 |
| Noncurrent loans to loans | 0.8855% | 3,356 |
| Net loans and leases to total assets | 54.5295% | 4,514 |
| Net loans and leases to deposits | 64.1666% | 4,517 |
| Net loans and leases to core deposits | 65.9340% | 4,722 |
| Total domestic deposits to total assets | 84.9811% | 3,343 |
| Equity capital to assets | 11.2655% | 2,692 |
| Core capital (leverage) ratio | 9.9819% | 3,706 |
| Tier 1 risk-based capital ratio | 17.0992% | 2,578 |
| Total risk-based capital ratio | 18.1938% | 2,587 |
| Memoranda: | ||
| Average total assets | $133,241,750 | 3,951 |
| Average earning assets | $113,564,250 | 4,137 |
| Average equity | $14,995,750 | 3,856 |
| Average total loans | $74,365,750 | 4,072 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2253% | 2,863 |
| Cost of funding earning assets | 0.5091% | 2,739 |
| Net interest margin | 3.7162% | 2,897 |
| Noninterest income to average assets | 0.6190% | 2,719 |
| Noninterest expense to average assets | 3.1751% | 2,265 |
| Loan and lease loss provision to assets | 0.1283% | 1,921 |
| Net operating income to assets | 0.3872% | 5,275 |
| Return on assets (ROA) | 0.4741% | 4,985 |
| Pretax return on assets | 0.5858% | 4,997 |
| Return on Equity (ROE) | 4.2136% | 5,053 |
| Retained earnings to average equity (ytd only) | 1.3956% | 5,186 |
| Net charge-offs to loans | 0.1024% | 2,659 |
| Credit loss provision to net charge-offs | 223.6842% | 1,067 |
| Earnings coverage of net charge-offs (x) | 10.5789% | 2,239 |
| Efficiency ratio | 83.9521% | 1,523 |
| Assets per employee ($millions) | 3.8393% | 4,177 |
| Cash dividends to net income (ytd only)* | 66.8790% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1821% | 4,508 |
| Loan loss allowance to noncurrent loans | 113.9949% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 2.0182% | 1,583 |
| Noncurrent loans to loans | 1.0370% | 3,162 |
| Net loans and leases to total assets | 55.7391% | 4,319 |
| Net loans and leases to deposits | 65.7710% | 4,291 |
| Net loans and leases to core deposits | 66.8481% | 4,565 |
| Total domestic deposits to total assets | 84.7473% | 3,618 |
| Equity capital to assets | 11.2364% | 2,667 |
| Core capital (leverage) ratio | 10.0486% | 3,540 |
| Tier 1 risk-based capital ratio | 16.7100% | 2,740 |
| Total risk-based capital ratio | 17.8513% | 2,751 |
| Memoranda: | ||
| Average total assets | $132,470,330 | 3,983 |
| Average earning assets | $112,750,000 | 4,168 |
| Average equity | $14,904,000 | 3,872 |
| Average total loans | $74,233,000 | 4,096 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1849% | 2,930 |
| Cost of funding earning assets | 0.5075% | 2,823 |
| Net interest margin | 3.6774% | 2,958 |
| Noninterest income to average assets | 0.5262% | 3,223 |
| Noninterest expense to average assets | 3.2087% | 2,204 |
| Loan and lease loss provision to assets | 0.1369% | 1,774 |
| Net operating income to assets | 0.2588% | 5,633 |
| Return on assets (ROA) | 0.4532% | 4,993 |
| Pretax return on assets | 0.5444% | 5,029 |
| Return on Equity (ROE) | 4.0253% | 5,021 |
| Retained earnings to average equity (ytd only) | -1.6479% | 5,817 |
| Net charge-offs to loans | -0.0109% | 5,083 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7704% | 1,251 |
| Assets per employee ($millions) | 4.2324% | 3,469 |
| Cash dividends to net income (ytd only)* | 140.9396% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2241% | 4,523 |
| Loan loss allowance to noncurrent loans | 113.5787% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 2.5731% | 1,226 |
| Noncurrent loans to loans | 1.0778% | 3,263 |
| Net loans and leases to total assets | 55.0413% | 4,277 |
| Net loans and leases to deposits | 65.0176% | 4,205 |
| Net loans and leases to core deposits | 65.8074% | 4,501 |
| Total domestic deposits to total assets | 84.6561% | 4,017 |
| Equity capital to assets | 11.2816% | 2,451 |
| Core capital (leverage) ratio | 9.9820% | 3,595 |
| Tier 1 risk-based capital ratio | 16.4814% | 2,906 |
| Total risk-based capital ratio | 17.6354% | 2,926 |
| Memoranda: | ||
| Average total assets | $131,517,500 | 4,042 |
| Average earning assets | $111,927,000 | 4,219 |
| Average equity | $14,806,500 | 3,894 |
| Average total loans | $73,451,500 | 4,151 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3012% | 2,956 |
| Cost of funding earning assets | 0.6738% | 2,011 |
| Net interest margin | 3.6275% | 3,343 |
| Noninterest income to average assets | 0.9056% | 1,661 |
| Noninterest expense to average assets | 3.5361% | 1,577 |
| Loan and lease loss provision to assets | 0.2427% | 1,487 |
| Net operating income to assets | 0.1296% | 5,977 |
| Return on assets (ROA) | 0.4474% | 5,092 |
| Pretax return on assets | 0.5469% | 5,057 |
| Return on Equity (ROE) | 3.8724% | 5,172 |
| Retained earnings to average equity (ytd only) | 3.8724% | 3,448 |
| Net charge-offs to loans | 0.4043% | 1,668 |
| Credit loss provision to net charge-offs | 104.0000% | 2,334 |
| Earnings coverage of net charge-offs (x) | 1.7233% | 4,474 |
| Efficiency ratio | 89.7866% | 1,041 |
| Assets per employee ($millions) | 3.9948% | 3,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1492% | 4,918 |
| Loan loss allowance to noncurrent loans | 105.6040% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 2.8878% | 1,111 |
| Noncurrent loans to loans | 1.0882% | 3,359 |
| Net loans and leases to total assets | 55.3311% | 4,415 |
| Net loans and leases to deposits | 68.2897% | 4,009 |
| Net loans and leases to core deposits | 69.5411% | 4,332 |
| Total domestic deposits to total assets | 81.0240% | 5,169 |
| Equity capital to assets | 11.2349% | 2,397 |
| Core capital (leverage) ratio | 10.2484% | 3,219 |
| Tier 1 risk-based capital ratio | 16.2691% | 2,980 |
| Total risk-based capital ratio | 17.3370% | 3,017 |
| Memoranda: | ||
| Average total assets | $128,531,600 | 4,099 |
| Average earning assets | $107,457,200 | 4,327 |
| Average equity | $14,848,800 | 3,898 |
| Average total loans | $74,204,600 | 4,122 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3501% | 2,784 |
| Cost of funding earning assets | 0.7089% | 1,894 |
| Net interest margin | 3.6412% | 3,275 |
| Noninterest income to average assets | 1.0085% | 1,427 |
| Noninterest expense to average assets | 3.6082% | 1,383 |
| Loan and lease loss provision to assets | 0.2871% | 1,199 |
| Net operating income to assets | 0.1161% | 6,106 |
| Return on assets (ROA) | 0.4552% | 5,145 |
| Pretax return on assets | 0.5617% | 5,161 |
| Return on Equity (ROE) | 3.9124% | 5,260 |
| Retained earnings to average equity (ytd only) | 3.9124% | 3,905 |
| Net charge-offs to loans | 0.2943% | 2,064 |
| Credit loss provision to net charge-offs | 167.6829% | 1,423 |
| Earnings coverage of net charge-offs (x) | 2.5122% | 3,996 |
| Efficiency ratio | 89.3485% | 1,048 |
| Assets per employee ($millions) | 4.0415% | 3,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3271% | 4,258 |
| Loan loss allowance to noncurrent loans | 114.7879% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 3.3728% | 1,023 |
| Noncurrent loans to loans | 1.1562% | 3,503 |
| Net loans and leases to total assets | 54.4434% | 4,535 |
| Net loans and leases to deposits | 62.1953% | 4,733 |
| Net loans and leases to core deposits | 63.4181% | 4,957 |
| Total domestic deposits to total assets | 87.5362% | 2,395 |
| Equity capital to assets | 11.4168% | 2,362 |
| Core capital (leverage) ratio | 10.0723% | 3,567 |
| Tier 1 risk-based capital ratio | 16.3076% | 3,030 |
| Total risk-based capital ratio | 17.5199% | 3,018 |
| Memoranda: | ||
| Average total assets | $127,707,000 | 4,167 |
| Average earning assets | $106,263,000 | 4,398 |
| Average equity | $14,858,250 | 3,940 |
| Average total loans | $74,308,000 | 4,138 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4315% | 2,451 |
| Cost of funding earning assets | 0.7152% | 1,959 |
| Net interest margin | 3.7163% | 2,892 |
| Noninterest income to average assets | 1.0459% | 1,395 |
| Noninterest expense to average assets | 3.6896% | 1,262 |
| Loan and lease loss provision to assets | 0.2910% | 1,249 |
| Net operating income to assets | 0.1176% | 6,093 |
| Return on assets (ROA) | 0.5945% | 4,498 |
| Pretax return on assets | 0.7816% | 4,384 |
| Return on Equity (ROE) | 5.0775% | 4,681 |
| Retained earnings to average equity (ytd only) | 5.0775% | 2,998 |
| Net charge-offs to loans | 0.3692% | 1,728 |
| Credit loss provision to net charge-offs | 133.0935% | 1,708 |
| Earnings coverage of net charge-offs (x) | 2.0360% | 3,839 |
| Efficiency ratio | 89.2355% | 1,111 |
| Assets per employee ($millions) | 3.6465% | 4,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 4,980 |
| Loan loss allowance to noncurrent loans | 109.4293% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 3.3559% | 1,165 |
| Noncurrent loans to loans | 1.0986% | 3,734 |
| Net loans and leases to total assets | 56.7964% | 4,166 |
| Net loans and leases to deposits | 65.2636% | 4,347 |
| Net loans and leases to core deposits | 66.4123% | 4,650 |
| Total domestic deposits to total assets | 87.0262% | 2,804 |
| Equity capital to assets | 11.6387% | 2,179 |
| Core capital (leverage) ratio | 10.0851% | 3,392 |
| Tier 1 risk-based capital ratio | 16.0295% | 3,173 |
| Total risk-based capital ratio | 17.1501% | 3,202 |
| Memoranda: | ||
| Average total assets | $127,167,000 | 4,199 |
| Average earning assets | $105,697,670 | 4,443 |
| Average equity | $14,889,330 | 3,965 |
| Average total loans | $75,291,670 | 4,124 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4601% | 2,316 |
| Cost of funding earning assets | 0.7200% | 2,060 |
| Net interest margin | 3.7401% | 2,700 |
| Noninterest income to average assets | 1.3172% | 888 |
| Noninterest expense to average assets | 3.6995% | 1,248 |
| Loan and lease loss provision to assets | 0.2994% | 1,164 |
| Net operating income to assets | 0.3571% | 5,320 |
| Return on assets (ROA) | 0.4853% | 4,904 |
| Pretax return on assets | 0.5830% | 5,015 |
| Return on Equity (ROE) | 4.1323% | 5,025 |
| Retained earnings to average equity (ytd only) | 4.1323% | 3,741 |
| Net charge-offs to loans | 0.1049% | 2,823 |
| Credit loss provision to net charge-offs | 475.0000% | 555 |
| Earnings coverage of net charge-offs (x) | 11.5500% | 1,658 |
| Efficiency ratio | 83.5587% | 1,825 |
| Assets per employee ($millions) | 3.4871% | 5,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 5,105 |
| Loan loss allowance to noncurrent loans | 78.3993% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 3.6651% | 1,138 |
| Noncurrent loans to loans | 1.5527% | 3,216 |
| Net loans and leases to total assets | 58.8888% | 3,630 |
| Net loans and leases to deposits | 67.5963% | 3,819 |
| Net loans and leases to core deposits | 68.6388% | 4,226 |
| Total domestic deposits to total assets | 87.1183% | 2,892 |
| Equity capital to assets | 11.9146% | 2,101 |
| Core capital (leverage) ratio | 9.7471% | 3,731 |
| Tier 1 risk-based capital ratio | 15.4234% | 3,577 |
| Total risk-based capital ratio | 16.5653% | 3,602 |
| Memoranda: | ||
| Average total assets | $126,937,500 | 4,244 |
| Average earning assets | $105,558,000 | 4,485 |
| Average equity | $14,907,000 | 4,010 |
| Average total loans | $76,253,000 | 4,127 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8113% | 2,146 |
| Cost of funding earning assets | 0.9941% | 1,388 |
| Net interest margin | 3.8171% | 3,151 |
| Noninterest income to average assets | 1.1315% | 1,219 |
| Noninterest expense to average assets | 3.3238% | 2,270 |
| Loan and lease loss provision to assets | 0.5039% | 1,176 |
| Net operating income to assets | 0.2912% | 5,499 |
| Return on assets (ROA) | 0.2912% | 5,706 |
| Pretax return on assets | 0.2869% | 5,840 |
| Return on Equity (ROE) | 2.7351% | 5,660 |
| Retained earnings to average equity (ytd only) | 2.7351% | 4,314 |
| Net charge-offs to loans | 1.4815% | 609 |
| Credit loss provision to net charge-offs | 58.3966% | 4,489 |
| Earnings coverage of net charge-offs (x) | 0.9165% | 5,014 |
| Efficiency ratio | 80.7822% | 2,040 |
| Assets per employee ($millions) | 3.6669% | 4,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 5,647 |
| Loan loss allowance to noncurrent loans | 62.1561% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 3.8585% | 1,133 |
| Noncurrent loans to loans | 1.7317% | 3,016 |
| Net loans and leases to total assets | 59.8668% | 3,626 |
| Net loans and leases to deposits | 68.3811% | 3,923 |
| Net loans and leases to core deposits | 69.4046% | 4,386 |
| Total domestic deposits to total assets | 87.5487% | 2,504 |
| Equity capital to assets | 11.5763% | 2,367 |
| Core capital (leverage) ratio | 9.1150% | 4,716 |
| Tier 1 risk-based capital ratio | 14.9135% | 3,769 |
| Total risk-based capital ratio | 15.9525% | 3,850 |
| Memoranda: | ||
| Average total assets | $137,341,200 | 3,999 |
| Average earning assets | $107,331,400 | 4,409 |
| Average equity | $14,624,800 | 4,036 |
| Average total loans | $79,988,600 | 4,040 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8966% | 2,018 |
| Cost of funding earning assets | 1.0519% | 1,272 |
| Net interest margin | 3.8446% | 3,142 |
| Noninterest income to average assets | 1.0850% | 1,278 |
| Noninterest expense to average assets | 3.2007% | 2,565 |
| Loan and lease loss provision to assets | 0.2865% | 2,278 |
| Net operating income to assets | 0.4546% | 5,018 |
| Return on assets (ROA) | 0.4546% | 5,261 |
| Pretax return on assets | 0.5616% | 5,273 |
| Return on Equity (ROE) | 4.3568% | 5,121 |
| Retained earnings to average equity (ytd only) | 4.3568% | 3,826 |
| Net charge-offs to loans | 0.8407% | 1,306 |
| Credit loss provision to net charge-offs | 59.0551% | 4,173 |
| Earnings coverage of net charge-offs (x) | 1.7480% | 4,397 |
| Efficiency ratio | 79.0517% | 2,233 |
| Assets per employee ($millions) | 3.8945% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4243% | 4,267 |
| Loan loss allowance to noncurrent loans | 45.1249% | 5,393 |
| Noncurrent assets plus other real estate owned to assets | 4.1186% | 1,166 |
| Noncurrent loans to loans | 3.1564% | 1,754 |
| Net loans and leases to total assets | 56.8665% | 4,318 |
| Net loans and leases to deposits | 64.6766% | 4,632 |
| Net loans and leases to core deposits | 65.5834% | 4,995 |
| Total domestic deposits to total assets | 87.9243% | 2,089 |
| Equity capital to assets | 10.9804% | 3,301 |
| Core capital (leverage) ratio | 9.0852% | 4,936 |
| Tier 1 risk-based capital ratio | 14.8964% | 3,922 |
| Total risk-based capital ratio | 16.1483% | 3,877 |
| Memoranda: | ||
| Average total assets | $139,591,500 | 3,999 |
| Average earning assets | $107,610,250 | 4,450 |
| Average equity | $14,566,750 | 4,085 |
| Average total loans | $80,568,500 | 4,064 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9761% | 1,852 |
| Cost of funding earning assets | 1.1111% | 1,169 |
| Net interest margin | 3.8649% | 3,064 |
| Noninterest income to average assets | 0.9354% | 1,660 |
| Noninterest expense to average assets | 3.1403% | 2,777 |
| Loan and lease loss provision to assets | 0.2559% | 2,531 |
| Net operating income to assets | 0.4194% | 5,151 |
| Return on assets (ROA) | 0.4194% | 5,379 |
| Pretax return on assets | 0.5061% | 5,421 |
| Return on Equity (ROE) | 4.0878% | 5,221 |
| Retained earnings to average equity (ytd only) | 4.0878% | 3,887 |
| Net charge-offs to loans | 0.5122% | 2,051 |
| Credit loss provision to net charge-offs | 86.5385% | 3,142 |
| Earnings coverage of net charge-offs (x) | 2.5769% | 3,720 |
| Efficiency ratio | 80.4736% | 2,106 |
| Assets per employee ($millions) | 4.1496% | 3,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6162% | 3,548 |
| Loan loss allowance to noncurrent loans | 51.9169% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 3.9273% | 1,315 |
| Noncurrent loans to loans | 3.1131% | 1,882 |
| Net loans and leases to total assets | 56.0891% | 4,454 |
| Net loans and leases to deposits | 63.1574% | 4,859 |
| Net loans and leases to core deposits | 64.3913% | 5,165 |
| Total domestic deposits to total assets | 88.8084% | 1,633 |
| Equity capital to assets | 10.3857% | 3,835 |
| Core capital (leverage) ratio | 8.6616% | 5,432 |
| Tier 1 risk-based capital ratio | 14.0954% | 4,372 |
| Total risk-based capital ratio | 15.3491% | 4,335 |
| Memoranda: | ||
| Average total assets | $140,686,330 | 3,998 |
| Average earning assets | $107,997,000 | 4,461 |
| Average equity | $14,433,330 | 4,105 |
| Average total loans | $81,213,670 | 4,068 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9857% | 1,938 |
| Cost of funding earning assets | 1.2020% | 975 |
| Net interest margin | 3.7836% | 3,468 |
| Noninterest income to average assets | 1.0307% | 1,354 |
| Noninterest expense to average assets | 3.1291% | 2,820 |
| Loan and lease loss provision to assets | 0.2563% | 2,404 |
| Net operating income to assets | 0.4527% | 5,023 |
| Return on assets (ROA) | 0.4527% | 5,213 |
| Pretax return on assets | 0.5581% | 5,245 |
| Return on Equity (ROE) | 4.4403% | 5,074 |
| Retained earnings to average equity (ytd only) | 4.4403% | 3,930 |
| Net charge-offs to loans | 0.6470% | 1,511 |
| Credit loss provision to net charge-offs | 68.1818% | 2,951 |
| Earnings coverage of net charge-offs (x) | 2.1667% | 3,293 |
| Efficiency ratio | 79.3502% | 2,296 |
| Assets per employee ($millions) | 4.5385% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5905% | 3,761 |
| Loan loss allowance to noncurrent loans | 51.4812% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 4.3214% | 1,252 |
| Noncurrent loans to loans | 3.0894% | 2,073 |
| Net loans and leases to total assets | 54.7893% | 4,589 |
| Net loans and leases to deposits | 61.3581% | 5,004 |
| Net loans and leases to core deposits | 63.0795% | 5,214 |
| Total domestic deposits to total assets | 89.2943% | 1,484 |
| Equity capital to assets | 9.8987% | 4,256 |
| Core capital (leverage) ratio | 8.6775% | 5,339 |
| Tier 1 risk-based capital ratio | 13.4246% | 4,882 |
| Total risk-based capital ratio | 14.6766% | 4,871 |
| Memoranda: | ||
| Average total assets | $140,485,500 | 4,022 |
| Average earning assets | $108,150,000 | 4,480 |
| Average equity | $14,323,500 | 4,132 |
| Average total loans | $81,603,000 | 4,075 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3006% | 1,694 |
| Cost of funding earning assets | 1.3905% | 1,083 |
| Net interest margin | 3.9101% | 3,289 |
| Noninterest income to average assets | 0.8722% | 1,764 |
| Noninterest expense to average assets | 3.2815% | 2,587 |
| Loan and lease loss provision to assets | 0.3863% | 2,676 |
| Net operating income to assets | 0.2647% | 5,388 |
| Return on assets (ROA) | 0.4016% | 5,030 |
| Pretax return on assets | 0.4808% | 5,042 |
| Return on Equity (ROE) | 3.9980% | 4,849 |
| Retained earnings to average equity (ytd only) | 3.9980% | 3,345 |
| Net charge-offs to loans | 0.6516% | 2,521 |
| Credit loss provision to net charge-offs | 96.5455% | 3,733 |
| Earnings coverage of net charge-offs (x) | 1.7600% | 4,461 |
| Efficiency ratio | 82.3325% | 1,973 |
| Assets per employee ($millions) | 3.8783% | 4,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6139% | 3,533 |
| Loan loss allowance to noncurrent loans | 53.7839% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 4.6663% | 1,174 |
| Noncurrent loans to loans | 3.0006% | 2,165 |
| Net loans and leases to total assets | 59.6876% | 4,045 |
| Net loans and leases to deposits | 67.4447% | 4,520 |
| Net loans and leases to core deposits | 69.4890% | 4,851 |
| Total domestic deposits to total assets | 88.4986% | 1,848 |
| Equity capital to assets | 10.5135% | 3,524 |
| Core capital (leverage) ratio | 8.6735% | 5,289 |
| Tier 1 risk-based capital ratio | 13.0732% | 5,005 |
| Total risk-based capital ratio | 14.3265% | 4,978 |
| Memoranda: | ||
| Average total assets | $137,466,800 | 4,024 |
| Average earning assets | $109,460,000 | 4,410 |
| Average equity | $13,807,000 | 4,156 |
| Average total loans | $84,405,600 | 4,015 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3828% | 1,561 |
| Cost of funding earning assets | 1.4278% | 1,118 |
| Net interest margin | 3.9550% | 3,131 |
| Noninterest income to average assets | 0.7474% | 2,329 |
| Noninterest expense to average assets | 3.1346% | 3,039 |
| Loan and lease loss provision to assets | 0.4109% | 2,411 |
| Net operating income to assets | 0.2763% | 5,482 |
| Return on assets (ROA) | 0.4496% | 4,972 |
| Pretax return on assets | 0.5627% | 4,923 |
| Return on Equity (ROE) | 4.5284% | 4,755 |
| Retained earnings to average equity (ytd only) | 4.5284% | 3,495 |
| Net charge-offs to loans | 0.7505% | 2,063 |
| Credit loss provision to net charge-offs | 88.9121% | 3,805 |
| Earnings coverage of net charge-offs (x) | 1.6381% | 4,417 |
| Efficiency ratio | 80.5466% | 2,178 |
| Assets per employee ($millions) | 3.8264% | 4,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5292% | 3,963 |
| Loan loss allowance to noncurrent loans | 50.2329% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 4.5452% | 1,313 |
| Noncurrent loans to loans | 3.0442% | 2,277 |
| Net loans and leases to total assets | 60.4912% | 4,043 |
| Net loans and leases to deposits | 68.1854% | 4,570 |
| Net loans and leases to core deposits | 70.8386% | 4,852 |
| Total domestic deposits to total assets | 88.7157% | 1,612 |
| Equity capital to assets | 10.2418% | 4,029 |
| Core capital (leverage) ratio | 8.6764% | 5,448 |
| Tier 1 risk-based capital ratio | 12.9651% | 5,119 |
| Total risk-based capital ratio | 14.2170% | 5,092 |
| Memoranda: | ||
| Average total assets | $137,898,500 | 4,037 |
| Average earning assets | $109,630,000 | 4,432 |
| Average equity | $13,691,000 | 4,191 |
| Average total loans | $84,919,750 | 4,036 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2246% | 2,166 |
| Cost of funding earning assets | 1.4757% | 1,086 |
| Net interest margin | 3.7489% | 4,038 |
| Noninterest income to average assets | 0.8496% | 1,804 |
| Noninterest expense to average assets | 3.1055% | 3,231 |
| Loan and lease loss provision to assets | 0.4494% | 2,172 |
| Net operating income to assets | 0.2158% | 5,682 |
| Return on assets (ROA) | 0.3987% | 5,105 |
| Pretax return on assets | 0.4799% | 5,133 |
| Return on Equity (ROE) | 4.0584% | 4,915 |
| Retained earnings to average equity (ytd only) | 4.0584% | 3,619 |
| Net charge-offs to loans | 0.5269% | 2,515 |
| Credit loss provision to net charge-offs | 138.3929% | 2,204 |
| Earnings coverage of net charge-offs (x) | 2.1830% | 3,749 |
| Efficiency ratio | 81.4139% | 2,185 |
| Assets per employee ($millions) | 4.0724% | 3,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7476% | 3,160 |
| Loan loss allowance to noncurrent loans | 86.6304% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 3.4963% | 1,886 |
| Noncurrent loans to loans | 2.0173% | 3,460 |
| Net loans and leases to total assets | 58.1459% | 4,596 |
| Net loans and leases to deposits | 65.2489% | 5,107 |
| Net loans and leases to core deposits | 67.7585% | 5,315 |
| Total domestic deposits to total assets | 89.1140% | 1,473 |
| Equity capital to assets | 10.0150% | 4,129 |
| Core capital (leverage) ratio | 8.4391% | 5,647 |
| Tier 1 risk-based capital ratio | 12.7403% | 5,144 |
| Total risk-based capital ratio | 13.9945% | 5,110 |
| Memoranda: | ||
| Average total assets | $137,948,330 | 4,064 |
| Average earning assets | $109,099,670 | 4,475 |
| Average equity | $13,552,000 | 4,212 |
| Average total loans | $85,019,670 | 4,067 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0534% | 2,840 |
| Cost of funding earning assets | 1.5178% | 1,100 |
| Net interest margin | 3.5355% | 4,869 |
| Noninterest income to average assets | 1.1417% | 999 |
| Noninterest expense to average assets | 3.2449% | 2,721 |
| Loan and lease loss provision to assets | 0.3486% | 2,470 |
| Net operating income to assets | 0.3225% | 5,300 |
| Return on assets (ROA) | 0.3225% | 5,378 |
| Pretax return on assets | 0.3631% | 5,461 |
| Return on Equity (ROE) | 3.3148% | 5,234 |
| Retained earnings to average equity (ytd only) | 3.3148% | 4,195 |
| Net charge-offs to loans | 0.8364% | 1,573 |
| Credit loss provision to net charge-offs | 66.2983% | 3,430 |
| Earnings coverage of net charge-offs (x) | 1.3536% | 3,668 |
| Efficiency ratio | 82.0117% | 2,224 |
| Assets per employee ($millions) | 3.9889% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5644% | 3,895 |
| Loan loss allowance to noncurrent loans | 43.1544% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 4.6600% | 1,375 |
| Noncurrent loans to loans | 3.6252% | 2,048 |
| Net loans and leases to total assets | 59.6641% | 4,331 |
| Net loans and leases to deposits | 66.9255% | 4,837 |
| Net loans and leases to core deposits | 69.7825% | 5,068 |
| Total domestic deposits to total assets | 89.1499% | 1,677 |
| Equity capital to assets | 10.0036% | 3,766 |
| Core capital (leverage) ratio | 8.2873% | 5,829 |
| Tier 1 risk-based capital ratio | 11.7772% | 5,871 |
| Total risk-based capital ratio | 13.0289% | 5,884 |
| Memoranda: | ||
| Average total assets | $137,691,500 | 4,106 |
| Average earning assets | $109,629,500 | 4,484 |
| Average equity | $13,394,500 | 4,245 |
| Average total loans | $86,558,500 | 4,059 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3705% | 2,808 |
| Cost of funding earning assets | 1.7922% | 1,199 |
| Net interest margin | 3.5783% | 4,923 |
| Noninterest income to average assets | 1.2444% | 966 |
| Noninterest expense to average assets | 3.4077% | 2,418 |
| Loan and lease loss provision to assets | 0.5466% | 2,954 |
| Net operating income to assets | 0.2380% | 5,146 |
| Return on assets (ROA) | 0.2553% | 5,246 |
| Pretax return on assets | 0.2625% | 5,331 |
| Return on Equity (ROE) | 2.7021% | 5,091 |
| Retained earnings to average equity (ytd only) | 2.7021% | 3,970 |
| Net charge-offs to loans | 0.9898% | 2,204 |
| Credit loss provision to net charge-offs | 81.1502% | 5,517 |
| Earnings coverage of net charge-offs (x) | 1.1747% | 4,930 |
| Efficiency ratio | 81.1582% | 2,272 |
| Assets per employee ($millions) | 4.1106% | 3,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4827% | 4,114 |
| Loan loss allowance to noncurrent loans | 38.9370% | 5,707 |
| Noncurrent assets plus other real estate owned to assets | 3.8773% | 1,759 |
| Noncurrent loans to loans | 3.8080% | 1,939 |
| Net loans and leases to total assets | 64.0847% | 3,858 |
| Net loans and leases to deposits | 71.5121% | 4,606 |
| Net loans and leases to core deposits | 74.2990% | 4,942 |
| Total domestic deposits to total assets | 89.6138% | 1,314 |
| Equity capital to assets | 9.4604% | 4,451 |
| Core capital (leverage) ratio | 8.5204% | 5,327 |
| Tier 1 risk-based capital ratio | 11.7894% | 5,659 |
| Total risk-based capital ratio | 13.0493% | 5,647 |
| Memoranda: | ||
| Average total assets | $139,419,200 | 4,065 |
| Average earning assets | $115,111,200 | 4,341 |
| Average equity | $13,174,800 | 4,331 |
| Average total loans | $94,867,800 | 3,930 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3639% | 3,055 |
| Cost of funding earning assets | 1.8328% | 1,290 |
| Net interest margin | 3.5311% | 5,179 |
| Noninterest income to average assets | 1.1263% | 1,101 |
| Noninterest expense to average assets | 3.2554% | 2,724 |
| Loan and lease loss provision to assets | 0.3474% | 3,833 |
| Net operating income to assets | 0.3730% | 4,870 |
| Return on assets (ROA) | 0.3761% | 5,047 |
| Pretax return on assets | 0.4679% | 5,018 |
| Return on Equity (ROE) | 3.9808% | 4,791 |
| Retained earnings to average equity (ytd only) | 3.9808% | 3,677 |
| Net charge-offs to loans | 0.7455% | 2,563 |
| Credit loss provision to net charge-offs | 67.7239% | 5,482 |
| Earnings coverage of net charge-offs (x) | 1.5821% | 4,535 |
| Efficiency ratio | 80.0471% | 2,326 |
| Assets per employee ($millions) | 3.9959% | 3,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4499% | 4,202 |
| Loan loss allowance to noncurrent loans | 55.5053% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 3.0810% | 2,352 |
| Noncurrent loans to loans | 2.6121% | 3,012 |
| Net loans and leases to total assets | 65.6601% | 3,763 |
| Net loans and leases to deposits | 73.4438% | 4,602 |
| Net loans and leases to core deposits | 75.7846% | 5,084 |
| Total domestic deposits to total assets | 89.4019% | 1,175 |
| Equity capital to assets | 9.7286% | 4,501 |
| Core capital (leverage) ratio | 8.6852% | 5,211 |
| Tier 1 risk-based capital ratio | 11.7823% | 5,656 |
| Total risk-based capital ratio | 13.0334% | 5,635 |
| Memoranda: | ||
| Average total assets | $139,333,500 | 4,117 |
| Average earning assets | $116,033,000 | 4,386 |
| Average equity | $13,163,000 | 4,403 |
| Average total loans | $95,856,250 | 3,974 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4118% | 2,927 |
| Cost of funding earning assets | 1.8468% | 1,447 |
| Net interest margin | 3.5650% | 4,970 |
| Noninterest income to average assets | 0.9830% | 1,428 |
| Noninterest expense to average assets | 3.1776% | 2,983 |
| Loan and lease loss provision to assets | 0.3924% | 3,367 |
| Net operating income to assets | 0.3302% | 5,062 |
| Return on assets (ROA) | 0.3349% | 5,205 |
| Pretax return on assets | 0.4096% | 5,191 |
| Return on Equity (ROE) | 3.5804% | 4,973 |
| Retained earnings to average equity (ytd only) | 3.5804% | 3,817 |
| Net charge-offs to loans | 0.2853% | 3,911 |
| Credit loss provision to net charge-offs | 197.8261% | 1,997 |
| Earnings coverage of net charge-offs (x) | 4.0145% | 3,087 |
| Efficiency ratio | 79.9638% | 2,455 |
| Assets per employee ($millions) | 3.8985% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7756% | 2,802 |
| Loan loss allowance to noncurrent loans | 67.2065% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 2.9037% | 2,475 |
| Noncurrent loans to loans | 2.6420% | 2,997 |
| Net loans and leases to total assets | 67.3009% | 3,552 |
| Net loans and leases to deposits | 75.1473% | 4,494 |
| Net loans and leases to core deposits | 77.8392% | 4,976 |
| Total domestic deposits to total assets | 89.5586% | 1,145 |
| Equity capital to assets | 9.6103% | 4,528 |
| Core capital (leverage) ratio | 8.6855% | 5,103 |
| Tier 1 risk-based capital ratio | 12.5024% | 4,859 |
| Total risk-based capital ratio | 13.7589% | 4,826 |
| Memoranda: | ||
| Average total assets | $139,159,670 | 4,153 |
| Average earning assets | $116,745,000 | 4,398 |
| Average equity | $13,015,330 | 4,439 |
| Average total loans | $96,748,330 | 3,988 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4538% | 2,809 |
| Cost of funding earning assets | 1.8832% | 1,517 |
| Net interest margin | 3.5706% | 4,853 |
| Noninterest income to average assets | 1.0219% | 1,230 |
| Noninterest expense to average assets | 3.2623% | 2,668 |
| Loan and lease loss provision to assets | 0.3245% | 3,466 |
| Net operating income to assets | 0.3469% | 5,091 |
| Return on assets (ROA) | 0.3558% | 5,176 |
| Pretax return on assets | 0.4583% | 5,096 |
| Return on Equity (ROE) | 3.8561% | 4,957 |
| Retained earnings to average equity (ytd only) | 3.8561% | 3,827 |
| Net charge-offs to loans | 0.0203% | 5,300 |
| Credit loss provision to net charge-offs | 2,280.0000% | 227 |
| Earnings coverage of net charge-offs (x) | 54.2000% | 536 |
| Efficiency ratio | 80.8751% | 2,429 |
| Assets per employee ($millions) | 4.0525% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7080% | 3,037 |
| Loan loss allowance to noncurrent loans | 73.3393% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 2.5039% | 2,904 |
| Noncurrent loans to loans | 2.3289% | 3,353 |
| Net loans and leases to total assets | 68.2460% | 3,326 |
| Net loans and leases to deposits | 76.0235% | 4,413 |
| Net loans and leases to core deposits | 79.0105% | 4,893 |
| Total domestic deposits to total assets | 89.7695% | 1,103 |
| Equity capital to assets | 9.4503% | 4,614 |
| Core capital (leverage) ratio | 8.4180% | 5,530 |
| Tier 1 risk-based capital ratio | 11.9192% | 5,280 |
| Total risk-based capital ratio | 13.1746% | 5,229 |
| Memoranda: | ||
| Average total assets | $140,516,000 | 4,184 |
| Average earning assets | $118,522,000 | 4,413 |
| Average equity | $12,966,500 | 4,482 |
| Average total loans | $98,377,500 | 4,005 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8915% | 2,274 |
| Cost of funding earning assets | 2.5039% | 1,020 |
| Net interest margin | 3.3876% | 5,415 |
| Noninterest income to average assets | 1.1138% | 1,238 |
| Noninterest expense to average assets | 3.4370% | 2,565 |
| Loan and lease loss provision to assets | 2.1618% | 968 |
| Net operating income to assets | -0.9807% | 6,567 |
| Return on assets (ROA) | -0.8234% | 6,456 |
| Pretax return on assets | -1.3645% | 6,631 |
| Return on Equity (ROE) | -10.2693% | 6,645 |
| Retained earnings to average equity (ytd only) | -10.2693% | 6,542 |
| Net charge-offs to loans | 4.2452% | 361 |
| Credit loss provision to net charge-offs | 69.4616% | 6,499 |
| Earnings coverage of net charge-offs (x) | 0.1772% | 5,979 |
| Efficiency ratio | 86.1742% | 2,093 |
| Assets per employee ($millions) | 4.2132% | 3,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5086% | 3,674 |
| Loan loss allowance to noncurrent loans | 68.9110% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 2.1355% | 3,224 |
| Noncurrent loans to loans | 2.1892% | 3,401 |
| Net loans and leases to total assets | 69.5046% | 3,364 |
| Net loans and leases to deposits | 77.3247% | 4,500 |
| Net loans and leases to core deposits | 91.2904% | 4,977 |
| Total domestic deposits to total assets | 89.8868% | 1,020 |
| Equity capital to assets | 9.0137% | 5,126 |
| Core capital (leverage) ratio | 8.0388% | 6,099 |
| Tier 1 risk-based capital ratio | 11.4476% | 5,458 |
| Total risk-based capital ratio | 12.7016% | 5,413 |
| Memoranda: | ||
| Average total assets | $145,622,600 | 4,019 |
| Average earning assets | $123,568,200 | 4,228 |
| Average equity | $11,675,600 | 4,819 |
| Average total loans | $106,756,600 | 3,760 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9727% | 2,142 |
| Cost of funding earning assets | 2.5876% | 1,062 |
| Net interest margin | 3.3851% | 5,333 |
| Noninterest income to average assets | 1.1699% | 1,149 |
| Noninterest expense to average assets | 3.3721% | 2,661 |
| Loan and lease loss provision to assets | 2.8478% | 541 |
| Net operating income to assets | -1.3140% | 7,018 |
| Return on assets (ROA) | -1.3140% | 7,018 |
| Pretax return on assets | -2.1739% | 7,242 |
| Return on Equity (ROE) | -16.9031% | 7,267 |
| Retained earnings to average equity (ytd only) | -16.9031% | 7,228 |
| Net charge-offs to loans | 5.6883% | 166 |
| Credit loss provision to net charge-offs | 67.6706% | 6,028 |
| Earnings coverage of net charge-offs (x) | 0.1601% | 5,861 |
| Efficiency ratio | 83.3446% | 2,380 |
| Assets per employee ($millions) | 4.0615% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3882% | 4,011 |
| Loan loss allowance to noncurrent loans | 57.8840% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 1.9909% | 3,359 |
| Noncurrent loans to loans | 2.3983% | 3,143 |
| Net loans and leases to total assets | 68.8407% | 3,757 |
| Net loans and leases to deposits | 78.2009% | 4,715 |
| Net loans and leases to core deposits | 92.3516% | 5,204 |
| Total domestic deposits to total assets | 88.0305% | 1,638 |
| Equity capital to assets | 7.8092% | 7,032 |
| Core capital (leverage) ratio | 7.5901% | 6,875 |
| Tier 1 risk-based capital ratio | 10.6590% | 6,288 |
| Total risk-based capital ratio | 11.9095% | 6,268 |
| Memoranda: | ||
| Average total assets | $146,216,250 | 4,035 |
| Average earning assets | $124,229,250 | 4,238 |
| Average equity | $11,366,500 | 4,955 |
| Average total loans | $108,173,500 | 3,770 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0768% | 1,870 |
| Cost of funding earning assets | 2.6358% | 1,194 |
| Net interest margin | 3.4409% | 5,022 |
| Noninterest income to average assets | 1.3200% | 878 |
| Noninterest expense to average assets | 3.4633% | 2,449 |
| Loan and lease loss provision to assets | 0.2038% | 5,018 |
| Net operating income to assets | 0.3611% | 4,654 |
| Return on assets (ROA) | 0.3611% | 4,759 |
| Pretax return on assets | 0.5759% | 4,383 |
| Return on Equity (ROE) | 4.6523% | 4,231 |
| Retained earnings to average equity (ytd only) | 4.6523% | 2,711 |
| Net charge-offs to loans | 1.3701% | 1,368 |
| Credit loss provision to net charge-offs | 19.7351% | 6,132 |
| Earnings coverage of net charge-offs (x) | 0.7550% | 4,977 |
| Efficiency ratio | 81.6248% | 2,774 |
| Assets per employee ($millions) | 4.2375% | 3,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1214% | 1,353 |
| Loan loss allowance to noncurrent loans | 63.4684% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 2.7961% | 2,302 |
| Noncurrent loans to loans | 3.3424% | 2,109 |
| Net loans and leases to total assets | 71.6141% | 3,318 |
| Net loans and leases to deposits | 82.5956% | 4,120 |
| Net loans and leases to core deposits | 98.5717% | 4,642 |
| Total domestic deposits to total assets | 86.7045% | 2,405 |
| Equity capital to assets | 7.7707% | 7,011 |
| Core capital (leverage) ratio | 7.7446% | 6,680 |
| Tier 1 risk-based capital ratio | 10.1435% | 6,781 |
| Total risk-based capital ratio | 11.4005% | 6,697 |
| Memoranda: | ||
| Average total assets | $146,217,330 | 4,065 |
| Average earning assets | $124,210,670 | 4,263 |
| Average equity | $11,349,330 | 4,988 |
| Average total loans | $110,207,670 | 3,761 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2234% | 1,521 |
| Cost of funding earning assets | 2.6954% | 1,287 |
| Net interest margin | 3.5280% | 4,623 |
| Noninterest income to average assets | 1.1352% | 1,147 |
| Noninterest expense to average assets | 3.2899% | 2,686 |
| Loan and lease loss provision to assets | 0.2067% | 4,378 |
| Net operating income to assets | 0.4133% | 4,809 |
| Return on assets (ROA) | 0.4133% | 4,985 |
| Pretax return on assets | 0.6393% | 4,620 |
| Return on Equity (ROE) | 5.3279% | 4,319 |
| Retained earnings to average equity (ytd only) | 5.3279% | 2,946 |
| Net charge-offs to loans | 2.5393% | 545 |
| Credit loss provision to net charge-offs | 10.6383% | 5,189 |
| Earnings coverage of net charge-offs (x) | 0.4355% | 4,640 |
| Efficiency ratio | 79.5470% | 2,900 |
| Assets per employee ($millions) | 4.4402% | 2,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0821% | 1,266 |
| Loan loss allowance to noncurrent loans | 112.9336% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 1.9389% | 2,994 |
| Noncurrent loans to loans | 1.8437% | 3,500 |
| Net loans and leases to total assets | 73.1452% | 2,977 |
| Net loans and leases to deposits | 84.2135% | 3,948 |
| Net loans and leases to core deposits | 99.6504% | 4,575 |
| Total domestic deposits to total assets | 86.8569% | 2,290 |
| Equity capital to assets | 7.7420% | 7,138 |
| Core capital (leverage) ratio | 7.8581% | 6,677 |
| Tier 1 risk-based capital ratio | 9.9701% | 6,963 |
| Total risk-based capital ratio | 11.2296% | 6,850 |
| Memoranda: | ||
| Average total assets | $145,169,500 | 4,089 |
| Average earning assets | $123,469,500 | 4,294 |
| Average equity | $11,261,500 | 5,038 |
| Average total loans | $111,054,000 | 3,765 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6660% | 2,174 |
| Cost of funding earning assets | 3.1411% | 1,379 |
| Net interest margin | 3.5249% | 5,209 |
| Noninterest income to average assets | 0.9258% | 1,874 |
| Noninterest expense to average assets | 3.3987% | 2,687 |
| Loan and lease loss provision to assets | 1.4120% | 979 |
| Net operating income to assets | -0.4069% | 6,831 |
| Return on assets (ROA) | -0.3621% | 6,658 |
| Pretax return on assets | -0.7290% | 6,829 |
| Return on Equity (ROE) | -4.8064% | 6,844 |
| Retained earnings to average equity (ytd only) | -4.8064% | 6,481 |
| Net charge-offs to loans | 0.9644% | 1,281 |
| Credit loss provision to net charge-offs | 185.8303% | 2,664 |
| Earnings coverage of net charge-offs (x) | 0.8069% | 5,749 |
| Efficiency ratio | 84.7179% | 1,988 |
| Assets per employee ($millions) | 4.2298% | 3,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5823% | 626 |
| Loan loss allowance to noncurrent loans | 125.7674% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 2.1841% | 2,240 |
| Noncurrent loans to loans | 2.0532% | 2,692 |
| Net loans and leases to total assets | 76.3097% | 2,541 |
| Net loans and leases to deposits | 91.2093% | 3,258 |
| Net loans and leases to core deposits | 105.8712% | 4,209 |
| Total domestic deposits to total assets | 83.6643% | 3,495 |
| Equity capital to assets | 7.7732% | 7,128 |
| Core capital (leverage) ratio | 7.6555% | 6,994 |
| Tier 1 risk-based capital ratio | 9.7273% | 7,051 |
| Total risk-based capital ratio | 10.9931% | 6,934 |
| Memoranda: | ||
| Average total assets | $145,821,600 | 3,979 |
| Average earning assets | $127,663,600 | 4,093 |
| Average equity | $10,985,400 | 5,126 |
| Average total loans | $114,889,800 | 3,566 |