Home > Tempo Bank, A Federal Savings Bank > Performance and Condition Ratios
Tempo Bank, A Federal Savings Bank, Performance and Condition Ratios
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6083% | 4,105 |
| Cost of funding earning assets | 0.7345% | 127 |
| Net interest margin | 1.8739% | 4,591 |
| Noninterest income to average assets | 0.1463% | 4,282 |
| Noninterest expense to average assets | 2.1196% | 3,081 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.2084% | 4,645 |
| Return on assets (ROA) | -0.2084% | 4,628 |
| Pretax return on assets | -0.2084% | 4,618 |
| Return on Equity (ROE) | -1.9301% | 4,634 |
| Retained earnings to average equity (ytd only) | -1.9301% | 4,240 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.9049% | 125 |
| Assets per employee ($millions) | 5.5643% | 3,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4616% | 4,618 |
| Loan loss allowance to noncurrent loans | 30.2354% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.0165% | 490 |
| Noncurrent loans to loans | 1.5265% | 532 |
| Net loans and leases to total assets | 59.1061% | 2,179 |
| Net loans and leases to deposits | 71.7719% | 1,799 |
| Net loans and leases to core deposits | 74.6916% | 1,880 |
| Total domestic deposits to total assets | 82.3527% | 4,035 |
| Equity capital to assets | 10.9269% | 1,368 |
| Core capital (leverage) ratio | 10.8252% | 1,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4979% | 256 |
| Memoranda: | ||
| Average total assets | $90,205,500 | 4,102 |
| Average earning assets | $84,958,500 | 4,076 |
| Average equity | $9,740,500 | 4,088 |
| Average total loans | $53,713,000 | 3,906 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9028% | 4,048 |
| Cost of funding earning assets | 0.8730% | 138 |
| Net interest margin | 2.0298% | 4,583 |
| Noninterest income to average assets | 0.1817% | 4,244 |
| Noninterest expense to average assets | 3.2975% | 634 |
| Loan and lease loss provision to assets | -1.9132% | 4,839 |
| Net operating income to assets | 0.8068% | 3,315 |
| Return on assets (ROA) | 0.8068% | 3,389 |
| Pretax return on assets | 0.7235% | 3,879 |
| Return on Equity (ROE) | 7.4742% | 3,381 |
| Retained earnings to average equity (ytd only) | 7.4742% | 1,734 |
| Net charge-offs to loans | 0.2632% | 340 |
| Credit loss provision to net charge-offs | -1,072.1212% | 3,934 |
| Earnings coverage of net charge-offs (x) | -6.6667% | 2,678 |
| Efficiency ratio | 156.4392% | 31 |
| Assets per employee ($millions) | 5.7114% | 3,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4472% | 4,663 |
| Loan loss allowance to noncurrent loans | 642.1053% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.8196% | 724 |
| Noncurrent loans to loans | 0.0696% | 3,591 |
| Net loans and leases to total assets | 59.4388% | 2,217 |
| Net loans and leases to deposits | 71.6498% | 1,948 |
| Net loans and leases to core deposits | 74.5570% | 2,034 |
| Total domestic deposits to total assets | 82.9574% | 3,815 |
| Equity capital to assets | 10.6727% | 2,029 |
| Core capital (leverage) ratio | 10.5005% | 1,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9494% | 351 |
| Memoranda: | ||
| Average total assets | $92,463,800 | 4,077 |
| Average earning assets | $87,744,200 | 4,043 |
| Average equity | $9,981,000 | 4,133 |
| Average total loans | $62,691,000 | 3,775 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9764% | 4,050 |
| Cost of funding earning assets | 0.8964% | 151 |
| Net interest margin | 2.0800% | 4,636 |
| Noninterest income to average assets | 0.1797% | 4,300 |
| Noninterest expense to average assets | 3.2494% | 650 |
| Loan and lease loss provision to assets | -2.5438% | 4,914 |
| Net operating income to assets | 1.5629% | 1,116 |
| Return on assets (ROA) | 1.5629% | 1,164 |
| Pretax return on assets | 1.4521% | 2,142 |
| Return on Equity (ROE) | 14.4381% | 1,269 |
| Retained earnings to average equity (ytd only) | 14.4381% | 466 |
| Net charge-offs to loans | 0.3399% | 228 |
| Credit loss provision to net charge-offs | -1,072.1212% | 3,871 |
| Earnings coverage of net charge-offs (x) | -4.6000% | 2,430 |
| Efficiency ratio | 150.5663% | 37 |
| Assets per employee ($millions) | 5.6665% | 3,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4181% | 4,759 |
| Loan loss allowance to noncurrent loans | 30.5000% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 1.6611% | 276 |
| Noncurrent loans to loans | 1.3708% | 778 |
| Net loans and leases to total assets | 64.1026% | 1,761 |
| Net loans and leases to deposits | 77.7238% | 1,507 |
| Net loans and leases to core deposits | 80.9747% | 1,650 |
| Total domestic deposits to total assets | 82.4749% | 3,829 |
| Equity capital to assets | 11.1080% | 1,942 |
| Core capital (leverage) ratio | 10.7883% | 1,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9927% | 427 |
| Memoranda: | ||
| Average total assets | $92,734,000 | 4,122 |
| Average earning assets | $88,203,500 | 4,090 |
| Average equity | $10,038,000 | 4,178 |
| Average total loans | $64,723,500 | 3,800 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1162% | 3,829 |
| Cost of funding earning assets | 0.9052% | 182 |
| Net interest margin | 2.2111% | 4,593 |
| Noninterest income to average assets | 0.1820% | 4,292 |
| Noninterest expense to average assets | 2.9479% | 1,073 |
| Loan and lease loss provision to assets | -3.7870% | 4,951 |
| Net operating income to assets | 3.2882% | 101 |
| Return on assets (ROA) | 3.2882% | 104 |
| Pretax return on assets | 3.1234% | 163 |
| Return on Equity (ROE) | 30.6373% | 90 |
| Retained earnings to average equity (ytd only) | 30.6373% | 34 |
| Net charge-offs to loans | 0.4937% | 167 |
| Credit loss provision to net charge-offs | -1,072.1212% | 3,676 |
| Earnings coverage of net charge-offs (x) | -1.8788% | 2,215 |
| Efficiency ratio | 129.0534% | 60 |
| Assets per employee ($millions) | 5.8059% | 2,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3908% | 4,805 |
| Loan loss allowance to noncurrent loans | 131.8919% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.8429% | 927 |
| Noncurrent loans to loans | 0.2963% | 2,869 |
| Net loans and leases to total assets | 66.9444% | 1,591 |
| Net loans and leases to deposits | 81.3883% | 1,289 |
| Net loans and leases to core deposits | 85.6383% | 1,445 |
| Total domestic deposits to total assets | 82.2531% | 3,874 |
| Equity capital to assets | 11.2966% | 1,753 |
| Core capital (leverage) ratio | 11.1592% | 1,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0759% | 426 |
| Memoranda: | ||
| Average total assets | $93,424,000 | 4,134 |
| Average earning assets | $88,825,000 | 4,104 |
| Average equity | $10,027,000 | 4,198 |
| Average total loans | $66,844,000 | 3,781 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0005% | 4,084 |
| Cost of funding earning assets | 0.9253% | 197 |
| Net interest margin | 2.0752% | 4,692 |
| Noninterest income to average assets | 0.1921% | 4,236 |
| Noninterest expense to average assets | 2.8522% | 1,250 |
| Loan and lease loss provision to assets | -7.5531% | 4,978 |
| Net operating income to assets | 6.9724% | 39 |
| Return on assets (ROA) | 6.9724% | 39 |
| Pretax return on assets | 6.8657% | 50 |
| Return on Equity (ROE) | 67.0947% | 14 |
| Retained earnings to average equity (ytd only) | 67.0947% | 6 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.7554% | 51 |
| Assets per employee ($millions) | 5.8896% | 2,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6175% | 4,673 |
| Loan loss allowance to noncurrent loans | 30.0514% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 1.6491% | 355 |
| Noncurrent loans to loans | 2.0549% | 519 |
| Net loans and leases to total assets | 69.8503% | 1,310 |
| Net loans and leases to deposits | 84.8408% | 1,062 |
| Net loans and leases to core deposits | 88.5835% | 1,322 |
| Total domestic deposits to total assets | 82.3310% | 3,826 |
| Equity capital to assets | 11.2137% | 1,715 |
| Core capital (leverage) ratio | 11.1763% | 1,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4612% | 435 |
| Memoranda: | ||
| Average total assets | $93,683,000 | 4,144 |
| Average earning assets | $89,053,000 | 4,111 |
| Average equity | $9,735,500 | 4,240 |
| Average total loans | $69,050,000 | 3,760 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3769% | 4,227 |
| Cost of funding earning assets | 1.1451% | 343 |
| Net interest margin | 2.2318% | 4,743 |
| Noninterest income to average assets | 0.1349% | 4,610 |
| Noninterest expense to average assets | 2.6109% | 2,514 |
| Loan and lease loss provision to assets | 2.0562% | 29 |
| Net operating income to assets | -2.2499% | 4,964 |
| Return on assets (ROA) | -2.2499% | 4,964 |
| Pretax return on assets | -2.3979% | 4,970 |
| Return on Equity (ROE) | -23.5868% | 4,979 |
| Retained earnings to average equity (ytd only) | -23.5868% | 4,968 |
| Net charge-offs to loans | 0.0137% | 2,853 |
| Credit loss provision to net charge-offs | 18,436.3636% | 51 |
| Earnings coverage of net charge-offs (x) | -30.6364% | 3,425 |
| Efficiency ratio | 115.0581% | 97 |
| Assets per employee ($millions) | 5.1741% | 3,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0305% | 141 |
| Loan loss allowance to noncurrent loans | 237.5136% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 1.1897% | 733 |
| Noncurrent loans to loans | 1.2759% | 1,073 |
| Net loans and leases to total assets | 74.8295% | 922 |
| Net loans and leases to deposits | 91.3334% | 826 |
| Net loans and leases to core deposits | 95.7518% | 1,136 |
| Total domestic deposits to total assets | 81.9301% | 3,679 |
| Equity capital to assets | 9.5605% | 3,550 |
| Core capital (leverage) ratio | 8.9271% | 3,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5360% | 711 |
| Memoranda: | ||
| Average total assets | $98,626,600 | 4,018 |
| Average earning assets | $94,316,600 | 3,968 |
| Average equity | $9,407,800 | 4,261 |
| Average total loans | $80,243,400 | 3,550 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4067% | 4,336 |
| Cost of funding earning assets | 1.1801% | 399 |
| Net interest margin | 2.2266% | 4,805 |
| Noninterest income to average assets | 0.1307% | 4,636 |
| Noninterest expense to average assets | 2.5306% | 2,741 |
| Loan and lease loss provision to assets | 2.6880% | 28 |
| Net operating income to assets | -2.8186% | 5,003 |
| Return on assets (ROA) | -2.8186% | 5,003 |
| Pretax return on assets | -2.9546% | 5,004 |
| Return on Equity (ROE) | -29.5644% | 5,016 |
| Retained earnings to average equity (ytd only) | -29.5644% | 5,005 |
| Net charge-offs to loans | 0.0146% | 2,597 |
| Credit loss provision to net charge-offs | 22,400.0000% | 62 |
| Earnings coverage of net charge-offs (x) | -22.2222% | 3,217 |
| Efficiency ratio | 111.7786% | 105 |
| Assets per employee ($millions) | 6.0082% | 2,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7549% | 176 |
| Loan loss allowance to noncurrent loans | 333.5385% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.8234% | 1,397 |
| Noncurrent loans to loans | 0.8260% | 1,773 |
| Net loans and leases to total assets | 74.9246% | 1,248 |
| Net loans and leases to deposits | 96.4412% | 732 |
| Net loans and leases to core deposits | 103.8189% | 935 |
| Total domestic deposits to total assets | 77.6894% | 4,244 |
| Equity capital to assets | 8.8036% | 4,251 |
| Core capital (leverage) ratio | 8.9563% | 3,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,000,000 | 3,991 |
| Average earning assets | $95,808,000 | 3,940 |
| Average equity | $9,533,750 | 4,262 |
| Average total loans | $82,337,000 | 3,536 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4960% | 4,416 |
| Cost of funding earning assets | 1.2298% | 463 |
| Net interest margin | 2.2662% | 4,847 |
| Noninterest income to average assets | 0.1350% | 4,628 |
| Noninterest expense to average assets | 2.5804% | 2,731 |
| Loan and lease loss provision to assets | 4.0368% | 21 |
| Net operating income to assets | -4.1637% | 5,045 |
| Return on assets (ROA) | -4.1637% | 5,045 |
| Pretax return on assets | -4.3108% | 5,042 |
| Return on Equity (ROE) | -42.5557% | 5,053 |
| Retained earnings to average equity (ytd only) | -42.5557% | 5,043 |
| Net charge-offs to loans | 0.0215% | 2,286 |
| Credit loss provision to net charge-offs | 22,266.6667% | 48 |
| Earnings coverage of net charge-offs (x) | -15.1111% | 2,991 |
| Efficiency ratio | 111.8777% | 109 |
| Assets per employee ($millions) | 5.9791% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7003% | 182 |
| Loan loss allowance to noncurrent loans | 296.1538% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.8097% | 1,532 |
| Noncurrent loans to loans | 0.9118% | 1,689 |
| Net loans and leases to total assets | 76.4315% | 1,070 |
| Net loans and leases to deposits | 98.9354% | 608 |
| Net loans and leases to core deposits | 106.5606% | 875 |
| Total domestic deposits to total assets | 77.2539% | 4,289 |
| Equity capital to assets | 8.8741% | 4,192 |
| Core capital (leverage) ratio | 9.0447% | 3,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6391% | 819 |
| Memoranda: | ||
| Average total assets | $99,286,667 | 4,005 |
| Average earning assets | $95,136,333 | 3,950 |
| Average equity | $9,714,333 | 4,252 |
| Average total loans | $83,550,667 | 3,525 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7229% | 4,343 |
| Cost of funding earning assets | 1.2775% | 600 |
| Net interest margin | 2.4454% | 4,852 |
| Noninterest income to average assets | 0.1742% | 4,496 |
| Noninterest expense to average assets | 2.4513% | 3,418 |
| Loan and lease loss provision to assets | 4.1084% | 24 |
| Net operating income to assets | -2.8200% | 5,071 |
| Return on assets (ROA) | -2.8200% | 5,059 |
| Pretax return on assets | -4.0355% | 5,072 |
| Return on Equity (ROE) | -26.0090% | 5,075 |
| Retained earnings to average equity (ytd only) | -26.0090% | 5,018 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1108% | 293 |
| Assets per employee ($millions) | 5.7887% | 1,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4033% | 1,684 |
| Loan loss allowance to noncurrent loans | 35.9108% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 3.6339% | 124 |
| Noncurrent loans to loans | 3.9077% | 203 |
| Net loans and leases to total assets | 83.8926% | 272 |
| Net loans and leases to deposits | 110.4560% | 178 |
| Net loans and leases to core deposits | 119.3935% | 488 |
| Total domestic deposits to total assets | 75.9511% | 4,493 |
| Equity capital to assets | 10.5367% | 3,285 |
| Core capital (leverage) ratio | 10.5650% | 2,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1885% | 726 |
| Memoranda: | ||
| Average total assets | $98,725,000 | 4,012 |
| Average earning assets | $94,872,500 | 3,948 |
| Average equity | $10,704,000 | 4,144 |
| Average total loans | $85,408,500 | 3,493 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9296% | 4,378 |
| Cost of funding earning assets | 1.3378% | 686 |
| Net interest margin | 2.5918% | 4,913 |
| Noninterest income to average assets | 0.1460% | 4,753 |
| Noninterest expense to average assets | 2.4877% | 3,486 |
| Loan and lease loss provision to assets | 0.0041% | 3,918 |
| Net operating income to assets | 0.0942% | 4,931 |
| Return on assets (ROA) | 0.0942% | 4,947 |
| Pretax return on assets | 0.1511% | 4,917 |
| Return on Equity (ROE) | 0.8319% | 4,936 |
| Retained earnings to average equity (ytd only) | 0.8319% | 4,447 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1246% | 244 |
| Assets per employee ($millions) | 5.8260% | 1,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1849% | 5,089 |
| Loan loss allowance to noncurrent loans | 10.3007% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 1.8851% | 441 |
| Noncurrent loans to loans | 1.7948% | 750 |
| Net loans and leases to total assets | 87.7648% | 90 |
| Net loans and leases to deposits | 114.6074% | 125 |
| Net loans and leases to core deposits | 123.7916% | 389 |
| Total domestic deposits to total assets | 76.5786% | 4,535 |
| Equity capital to assets | 11.1458% | 2,862 |
| Core capital (leverage) ratio | 11.1951% | 2,344 |
| Tier 1 risk-based capital ratio | 20.9592% | 1,173 |
| Total risk-based capital ratio | 21.2649% | 1,298 |
| Memoranda: | ||
| Average total assets | $96,596,600 | 4,054 |
| Average earning assets | $93,063,600 | 3,996 |
| Average equity | $10,939,000 | 4,134 |
| Average total loans | $86,127,000 | 3,481 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9542% | 4,453 |
| Cost of funding earning assets | 1.3205% | 743 |
| Net interest margin | 2.6337% | 4,980 |
| Noninterest income to average assets | 0.1445% | 4,820 |
| Noninterest expense to average assets | 2.5225% | 3,370 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.0986% | 5,018 |
| Return on assets (ROA) | 0.0986% | 5,033 |
| Pretax return on assets | 0.1597% | 5,009 |
| Return on Equity (ROE) | 0.8673% | 5,027 |
| Retained earnings to average equity (ytd only) | 0.8673% | 4,598 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0445% | 231 |
| Assets per employee ($millions) | 5.5845% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1814% | 5,167 |
| Loan loss allowance to noncurrent loans | 12.4406% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 1.6443% | 627 |
| Noncurrent loans to loans | 1.4577% | 1,045 |
| Net loans and leases to total assets | 91.0245% | 27 |
| Net loans and leases to deposits | 117.2094% | 115 |
| Net loans and leases to core deposits | 125.4318% | 382 |
| Total domestic deposits to total assets | 77.6597% | 4,417 |
| Equity capital to assets | 11.5762% | 2,610 |
| Core capital (leverage) ratio | 11.5906% | 2,152 |
| Tier 1 risk-based capital ratio | 21.6249% | 1,119 |
| Total risk-based capital ratio | 21.9338% | 1,206 |
| Memoranda: | ||
| Average total assets | $95,985,250 | 4,106 |
| Average earning assets | $92,489,750 | 4,046 |
| Average equity | $10,914,000 | 4,173 |
| Average total loans | $85,887,500 | 3,527 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9544% | 4,474 |
| Cost of funding earning assets | 1.2995% | 740 |
| Net interest margin | 2.6550% | 5,038 |
| Noninterest income to average assets | 0.1474% | 4,834 |
| Noninterest expense to average assets | 2.5266% | 3,396 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.1059% | 5,054 |
| Return on assets (ROA) | 0.1059% | 5,063 |
| Pretax return on assets | 0.1785% | 5,035 |
| Return on Equity (ROE) | 0.9368% | 5,055 |
| Retained earnings to average equity (ytd only) | 0.9368% | 4,455 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3998% | 247 |
| Assets per employee ($millions) | 5.6276% | 1,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2306% | 5,207 |
| Loan loss allowance to noncurrent loans | 41.0901% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 0.6188% | 2,171 |
| Noncurrent loans to loans | 0.5613% | 2,583 |
| Net loans and leases to total assets | 88.6306% | 86 |
| Net loans and leases to deposits | 113.3022% | 159 |
| Net loans and leases to core deposits | 120.7622% | 523 |
| Total domestic deposits to total assets | 78.2249% | 4,350 |
| Equity capital to assets | 11.4405% | 2,655 |
| Core capital (leverage) ratio | 11.3164% | 2,323 |
| Tier 1 risk-based capital ratio | 22.5805% | 987 |
| Total risk-based capital ratio | 22.9849% | 1,063 |
| Memoranda: | ||
| Average total assets | $96,335,000 | 4,125 |
| Average earning assets | $92,807,000 | 4,060 |
| Average equity | $10,888,670 | 4,187 |
| Average total loans | $85,659,330 | 3,557 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9415% | 4,486 |
| Cost of funding earning assets | 1.2680% | 733 |
| Net interest margin | 2.6735% | 5,087 |
| Noninterest income to average assets | 0.1324% | 4,936 |
| Noninterest expense to average assets | 2.5655% | 3,313 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.0703% | 5,108 |
| Return on assets (ROA) | 0.0703% | 5,113 |
| Pretax return on assets | 0.1407% | 5,075 |
| Return on Equity (ROE) | 0.6261% | 5,109 |
| Retained earnings to average equity (ytd only) | 0.6261% | 4,404 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8012% | 253 |
| Assets per employee ($millions) | 5.6946% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2279% | 5,274 |
| Loan loss allowance to noncurrent loans | 35.8318% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 0.6838% | 2,050 |
| Noncurrent loans to loans | 0.6360% | 2,423 |
| Net loans and leases to total assets | 88.6395% | 76 |
| Net loans and leases to deposits | 114.2973% | 145 |
| Net loans and leases to core deposits | 122.2100% | 474 |
| Total domestic deposits to total assets | 77.5517% | 4,587 |
| Equity capital to assets | 11.2417% | 2,611 |
| Core capital (leverage) ratio | 11.2507% | 2,339 |
| Tier 1 risk-based capital ratio | 21.3597% | 1,120 |
| Total risk-based capital ratio | 21.7444% | 1,226 |
| Memoranda: | ||
| Average total assets | $96,668,000 | 4,158 |
| Average earning assets | $93,062,000 | 4,095 |
| Average equity | $10,860,500 | 4,218 |
| Average total loans | $85,995,000 | 3,580 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9303% | 4,212 |
| Cost of funding earning assets | 0.9923% | 781 |
| Net interest margin | 2.9380% | 4,867 |
| Noninterest income to average assets | 0.1272% | 5,051 |
| Noninterest expense to average assets | 2.8551% | 2,504 |
| Loan and lease loss provision to assets | 0.0208% | 3,744 |
| Net operating income to assets | 0.0605% | 5,207 |
| Return on assets (ROA) | 0.0605% | 5,200 |
| Pretax return on assets | 0.0751% | 5,191 |
| Return on Equity (ROE) | 0.5401% | 5,194 |
| Retained earnings to average equity (ytd only) | 0.5401% | 4,840 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7503% | 198 |
| Assets per employee ($millions) | 5.6781% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2280% | 5,316 |
| Loan loss allowance to noncurrent loans | 43.2671% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 0.5884% | 2,268 |
| Noncurrent loans to loans | 0.5268% | 2,692 |
| Net loans and leases to total assets | 88.8736% | 84 |
| Net loans and leases to deposits | 117.6308% | 124 |
| Net loans and leases to core deposits | 125.9999% | 395 |
| Total domestic deposits to total assets | 75.5530% | 4,805 |
| Equity capital to assets | 11.2279% | 2,493 |
| Core capital (leverage) ratio | 11.3116% | 2,260 |
| Tier 1 risk-based capital ratio | 22.0684% | 1,020 |
| Total risk-based capital ratio | 22.4675% | 1,115 |
| Memoranda: | ||
| Average total assets | $95,934,400 | 4,169 |
| Average earning assets | $92,206,400 | 4,101 |
| Average equity | $10,739,400 | 4,200 |
| Average total loans | $85,592,800 | 3,556 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9183% | 4,170 |
| Cost of funding earning assets | 0.9202% | 842 |
| Net interest margin | 2.9982% | 4,849 |
| Noninterest income to average assets | 0.1879% | 4,849 |
| Noninterest expense to average assets | 2.9885% | 2,045 |
| Loan and lease loss provision to assets | 0.0278% | 3,450 |
| Net operating income to assets | 0.0390% | 5,280 |
| Return on assets (ROA) | 0.0390% | 5,277 |
| Pretax return on assets | 0.0515% | 5,274 |
| Return on Equity (ROE) | 0.3484% | 5,279 |
| Retained earnings to average equity (ytd only) | 0.3484% | 4,982 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4138% | 184 |
| Assets per employee ($millions) | 5.6664% | 1,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2260% | 5,390 |
| Loan loss allowance to noncurrent loans | 31.3600% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 0.7682% | 1,935 |
| Noncurrent loans to loans | 0.7205% | 2,276 |
| Net loans and leases to total assets | 89.8442% | 77 |
| Net loans and leases to deposits | 119.2669% | 108 |
| Net loans and leases to core deposits | 127.2398% | 386 |
| Total domestic deposits to total assets | 75.3304% | 4,855 |
| Equity capital to assets | 11.1898% | 2,488 |
| Core capital (leverage) ratio | 11.0444% | 2,538 |
| Tier 1 risk-based capital ratio | 21.9130% | 1,062 |
| Total risk-based capital ratio | 22.3114% | 1,155 |
| Memoranda: | ||
| Average total assets | $95,786,250 | 4,214 |
| Average earning assets | $92,009,500 | 4,141 |
| Average equity | $10,714,750 | 4,241 |
| Average total loans | $85,495,250 | 3,590 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8467% | 4,224 |
| Cost of funding earning assets | 0.8299% | 1,005 |
| Net interest margin | 3.0168% | 4,855 |
| Noninterest income to average assets | 0.1987% | 4,827 |
| Noninterest expense to average assets | 2.9872% | 2,068 |
| Loan and lease loss provision to assets | 0.0418% | 3,065 |
| Net operating income to assets | 0.0565% | 5,316 |
| Return on assets (ROA) | 0.0565% | 5,309 |
| Pretax return on assets | 0.0669% | 5,305 |
| Return on Equity (ROE) | 0.5051% | 5,303 |
| Retained earnings to average equity (ytd only) | 0.5051% | 4,861 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4865% | 217 |
| Assets per employee ($millions) | 5.4622% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2273% | 5,449 |
| Loan loss allowance to noncurrent loans | 32.8308% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 0.7242% | 2,066 |
| Noncurrent loans to loans | 0.6924% | 2,376 |
| Net loans and leases to total assets | 87.4929% | 171 |
| Net loans and leases to deposits | 115.5105% | 166 |
| Net loans and leases to core deposits | 122.0115% | 519 |
| Total domestic deposits to total assets | 75.7445% | 4,881 |
| Equity capital to assets | 10.9317% | 2,701 |
| Core capital (leverage) ratio | 11.5359% | 2,040 |
| Tier 1 risk-based capital ratio | 21.7663% | 1,070 |
| Total risk-based capital ratio | 22.1633% | 1,163 |
| Memoranda: | ||
| Average total assets | $95,606,670 | 4,255 |
| Average earning assets | $91,819,000 | 4,189 |
| Average equity | $10,690,670 | 4,275 |
| Average total loans | $85,079,670 | 3,623 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8844% | 3,973 |
| Cost of funding earning assets | 0.8352% | 814 |
| Net interest margin | 3.0492% | 4,796 |
| Noninterest income to average assets | 0.2886% | 4,240 |
| Noninterest expense to average assets | 3.3188% | 1,317 |
| Loan and lease loss provision to assets | 0.0849% | 2,105 |
| Net operating income to assets | -0.1019% | 5,421 |
| Return on assets (ROA) | -0.1019% | 5,413 |
| Pretax return on assets | -0.1867% | 5,433 |
| Return on Equity (ROE) | -0.9004% | 5,417 |
| Retained earnings to average equity (ytd only) | -0.9004% | 4,905 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.1662% | 147 |
| Assets per employee ($millions) | 5.4776% | 1,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2317% | 5,515 |
| Loan loss allowance to noncurrent loans | 51.8519% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 0.5294% | 2,758 |
| Noncurrent loans to loans | 0.4468% | 3,195 |
| Net loans and leases to total assets | 90.6517% | 48 |
| Net loans and leases to deposits | 113.0267% | 191 |
| Net loans and leases to core deposits | 116.8942% | 698 |
| Total domestic deposits to total assets | 80.2038% | 4,382 |
| Equity capital to assets | 11.4531% | 2,168 |
| Core capital (leverage) ratio | 11.3550% | 2,119 |
| Tier 1 risk-based capital ratio | 22.2884% | 1,015 |
| Total risk-based capital ratio | 22.6980% | 1,105 |
| Memoranda: | ||
| Average total assets | $94,250,000 | 4,318 |
| Average earning assets | $90,517,000 | 4,259 |
| Average equity | $10,662,000 | 4,325 |
| Average total loans | $84,510,000 | 3,663 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8707% | 3,819 |
| Cost of funding earning assets | 0.8690% | 445 |
| Net interest margin | 3.0018% | 4,881 |
| Noninterest income to average assets | 0.1359% | 5,266 |
| Noninterest expense to average assets | 2.6039% | 3,434 |
| Loan and lease loss provision to assets | 0.0146% | 4,000 |
| Net operating income to assets | 0.2280% | 5,055 |
| Return on assets (ROA) | 0.2280% | 5,071 |
| Pretax return on assets | 0.3639% | 5,132 |
| Return on Equity (ROE) | 1.9863% | 5,060 |
| Retained earnings to average equity (ytd only) | -5.3030% | 5,441 |
| Net charge-offs to loans | 0.0298% | 3,204 |
| Credit loss provision to net charge-offs | 56.0000% | 3,262 |
| Earnings coverage of net charge-offs (x) | 14.4800% | 2,325 |
| Efficiency ratio | 87.3072% | 570 |
| Assets per employee ($millions) | 5.6106% | 1,837 |
| Cash dividends to net income (ytd only)* | 366.9725% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2085% | 5,579 |
| Loan loss allowance to noncurrent loans | 345.0980% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.5515% | 2,721 |
| Noncurrent loans to loans | 0.0604% | 4,722 |
| Net loans and leases to total assets | 88.3132% | 124 |
| Net loans and leases to deposits | 109.4801% | 285 |
| Net loans and leases to core deposits | 115.4491% | 739 |
| Total domestic deposits to total assets | 80.6660% | 4,204 |
| Equity capital to assets | 11.1752% | 2,456 |
| Core capital (leverage) ratio | 11.1949% | 2,157 |
| Tier 1 risk-based capital ratio | 22.0432% | 1,010 |
| Total risk-based capital ratio | 22.4072% | 1,097 |
| Memoranda: | ||
| Average total assets | $95,626,600 | 4,320 |
| Average earning assets | $90,680,200 | 4,274 |
| Average equity | $10,975,000 | 4,300 |
| Average total loans | $83,887,200 | 3,662 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8618% | 3,792 |
| Cost of funding earning assets | 0.8642% | 425 |
| Net interest margin | 2.9976% | 4,923 |
| Noninterest income to average assets | 0.1728% | 5,151 |
| Noninterest expense to average assets | 2.5819% | 3,463 |
| Loan and lease loss provision to assets | 0.0084% | 3,967 |
| Net operating income to assets | 0.2397% | 5,312 |
| Return on assets (ROA) | 0.2397% | 5,329 |
| Pretax return on assets | 0.4194% | 5,158 |
| Return on Equity (ROE) | 2.0746% | 5,299 |
| Retained earnings to average equity (ytd only) | -7.5747% | 5,586 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7870% | 644 |
| Assets per employee ($millions) | 5.0402% | 2,404 |
| Cash dividends to net income (ytd only)* | 465.1114% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2253% | 5,647 |
| Loan loss allowance to noncurrent loans | 371.1538% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 1.0766% | 1,552 |
| Noncurrent loans to loans | 0.0607% | 4,840 |
| Net loans and leases to total assets | 89.2538% | 108 |
| Net loans and leases to deposits | 110.6561% | 259 |
| Net loans and leases to core deposits | 116.6389% | 722 |
| Total domestic deposits to total assets | 80.6587% | 4,153 |
| Equity capital to assets | 11.0490% | 2,821 |
| Core capital (leverage) ratio | 11.1183% | 2,351 |
| Tier 1 risk-based capital ratio | 21.5337% | 1,109 |
| Total risk-based capital ratio | 21.9265% | 1,217 |
| Memoranda: | ||
| Average total assets | $95,688,000 | 4,360 |
| Average earning assets | $90,560,000 | 4,317 |
| Average equity | $11,054,000 | 4,335 |
| Average total loans | $83,756,500 | 3,687 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8375% | 3,766 |
| Cost of funding earning assets | 0.8520% | 402 |
| Net interest margin | 2.9854% | 4,942 |
| Noninterest income to average assets | 0.1693% | 5,208 |
| Noninterest expense to average assets | 2.5904% | 3,464 |
| Loan and lease loss provision to assets | 0.0125% | 3,703 |
| Net operating income to assets | 0.2174% | 5,370 |
| Return on assets (ROA) | 0.2174% | 5,384 |
| Pretax return on assets | 0.3868% | 5,194 |
| Return on Equity (ROE) | 1.8552% | 5,360 |
| Retained earnings to average equity (ytd only) | 1.8552% | 4,504 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6434% | 642 |
| Assets per employee ($millions) | 5.3149% | 2,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2281% | 5,696 |
| Loan loss allowance to noncurrent loans | 116.9697% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 1.1174% | 1,555 |
| Noncurrent loans to loans | 0.1950% | 4,338 |
| Net loans and leases to total assets | 88.2240% | 136 |
| Net loans and leases to deposits | 107.7297% | 330 |
| Net loans and leases to core deposits | 112.4803% | 877 |
| Total domestic deposits to total assets | 81.8938% | 3,915 |
| Equity capital to assets | 11.7980% | 2,074 |
| Core capital (leverage) ratio | 11.5914% | 1,905 |
| Tier 1 risk-based capital ratio | 23.0851% | 940 |
| Total risk-based capital ratio | 23.4798% | 1,003 |
| Memoranda: | ||
| Average total assets | $95,662,670 | 4,383 |
| Average earning assets | $90,372,330 | 4,350 |
| Average equity | $11,211,670 | 4,323 |
| Average total loans | $83,120,000 | 3,719 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8220% | 3,686 |
| Cost of funding earning assets | 0.8844% | 305 |
| Net interest margin | 2.9376% | 5,012 |
| Noninterest income to average assets | 0.1631% | 5,302 |
| Noninterest expense to average assets | 2.5131% | 3,767 |
| Loan and lease loss provision to assets | 0.0251% | 3,244 |
| Net operating income to assets | 0.2425% | 5,318 |
| Return on assets (ROA) | 0.2425% | 5,333 |
| Pretax return on assets | 0.3889% | 5,180 |
| Return on Equity (ROE) | 2.0744% | 5,324 |
| Retained earnings to average equity (ytd only) | 2.0744% | 4,313 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8571% | 814 |
| Assets per employee ($millions) | 5.0823% | 2,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2338% | 5,766 |
| Loan loss allowance to noncurrent loans | 116.2651% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 1.1081% | 1,604 |
| Noncurrent loans to loans | 0.2011% | 4,400 |
| Net loans and leases to total assets | 85.2770% | 262 |
| Net loans and leases to deposits | 103.9079% | 403 |
| Net loans and leases to core deposits | 107.2912% | 1,018 |
| Total domestic deposits to total assets | 82.0697% | 4,151 |
| Equity capital to assets | 11.6214% | 2,100 |
| Core capital (leverage) ratio | 11.7414% | 1,795 |
| Tier 1 risk-based capital ratio | 23.2306% | 946 |
| Total risk-based capital ratio | 23.6301% | 1,030 |
| Memoranda: | ||
| Average total assets | $95,659,500 | 4,424 |
| Average earning assets | $90,005,500 | 4,397 |
| Average equity | $11,184,000 | 4,353 |
| Average total loans | $82,382,000 | 3,755 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7992% | 3,917 |
| Cost of funding earning assets | 1.0285% | 143 |
| Net interest margin | 2.7707% | 5,332 |
| Noninterest income to average assets | 0.1607% | 5,407 |
| Noninterest expense to average assets | 2.4922% | 4,036 |
| Loan and lease loss provision to assets | 0.0209% | 3,954 |
| Net operating income to assets | 0.1534% | 5,492 |
| Return on assets (ROA) | 0.1534% | 5,532 |
| Pretax return on assets | 0.2369% | 5,443 |
| Return on Equity (ROE) | 1.3310% | 5,512 |
| Retained earnings to average equity (ytd only) | 1.3310% | 4,745 |
| Net charge-offs to loans | 0.0449% | 3,141 |
| Credit loss provision to net charge-offs | 55.5556% | 3,309 |
| Earnings coverage of net charge-offs (x) | 6.8611% | 3,111 |
| Efficiency ratio | 90.6262% | 522 |
| Assets per employee ($millions) | 5.2642% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2274% | 5,826 |
| Loan loss allowance to noncurrent loans | 86.9767% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 1.1809% | 1,535 |
| Noncurrent loans to loans | 0.2615% | 4,213 |
| Net loans and leases to total assets | 86.5782% | 202 |
| Net loans and leases to deposits | 105.7327% | 356 |
| Net loans and leases to core deposits | 109.2471% | 947 |
| Total domestic deposits to total assets | 81.8840% | 4,105 |
| Equity capital to assets | 11.7628% | 1,962 |
| Core capital (leverage) ratio | 11.7682% | 1,744 |
| Tier 1 risk-based capital ratio | 23.2349% | 946 |
| Total risk-based capital ratio | 23.6247% | 1,012 |
| Memoranda: | ||
| Average total assets | $95,819,400 | 4,434 |
| Average earning assets | $89,544,000 | 4,396 |
| Average equity | $11,044,200 | 4,421 |
| Average total loans | $80,186,000 | 3,797 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7958% | 3,937 |
| Cost of funding earning assets | 1.0250% | 149 |
| Net interest margin | 2.7708% | 5,405 |
| Noninterest income to average assets | 0.1624% | 5,457 |
| Noninterest expense to average assets | 2.5033% | 3,974 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1651% | 5,525 |
| Return on assets (ROA) | 0.1651% | 5,580 |
| Pretax return on assets | 0.2512% | 5,513 |
| Return on Equity (ROE) | 1.4399% | 5,570 |
| Retained earnings to average equity (ytd only) | 1.4399% | 4,936 |
| Net charge-offs to loans | 0.0167% | 3,386 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 18.1043% | 2,013 |
| Efficiency ratio | 90.8816% | 519 |
| Assets per employee ($millions) | 4.9858% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2376% | 5,881 |
| Loan loss allowance to noncurrent loans | 257.3333% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.4983% | 3,453 |
| Noncurrent loans to loans | 0.0923% | 4,976 |
| Net loans and leases to total assets | 85.5496% | 281 |
| Net loans and leases to deposits | 104.4625% | 431 |
| Net loans and leases to core deposits | 107.9308% | 1,058 |
| Total domestic deposits to total assets | 81.8951% | 3,965 |
| Equity capital to assets | 11.7184% | 2,327 |
| Core capital (leverage) ratio | 11.6679% | 1,913 |
| Tier 1 risk-based capital ratio | 23.5081% | 944 |
| Total risk-based capital ratio | 23.9168% | 1,033 |
| Memoranda: | ||
| Average total assets | $96,085,250 | 4,461 |
| Average earning assets | $89,887,250 | 4,425 |
| Average equity | $11,018,750 | 4,465 |
| Average total loans | $79,676,250 | 3,833 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7707% | 4,054 |
| Cost of funding earning assets | 1.0223% | 152 |
| Net interest margin | 2.7483% | 5,506 |
| Noninterest income to average assets | 0.1844% | 5,391 |
| Noninterest expense to average assets | 2.5047% | 4,014 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1637% | 5,589 |
| Return on assets (ROA) | 0.1637% | 5,639 |
| Pretax return on assets | 0.2528% | 5,556 |
| Return on Equity (ROE) | 1.4375% | 5,621 |
| Retained earnings to average equity (ytd only) | 1.4375% | 4,801 |
| Net charge-offs to loans | 0.0253% | 2,975 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 12.2000% | 2,199 |
| Efficiency ratio | 90.8340% | 556 |
| Assets per employee ($millions) | 5.0827% | 2,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2396% | 5,963 |
| Loan loss allowance to noncurrent loans | 296.9231% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.6689% | 2,996 |
| Noncurrent loans to loans | 0.0807% | 5,130 |
| Net loans and leases to total assets | 83.2187% | 488 |
| Net loans and leases to deposits | 101.1504% | 620 |
| Net loans and leases to core deposits | 105.9776% | 1,182 |
| Total domestic deposits to total assets | 82.2723% | 3,915 |
| Equity capital to assets | 11.4371% | 2,613 |
| Core capital (leverage) ratio | 11.3870% | 2,073 |
| Tier 1 risk-based capital ratio | 23.2189% | 991 |
| Total risk-based capital ratio | 23.6246% | 1,076 |
| Memoranda: | ||
| Average total assets | $96,536,670 | 4,490 |
| Average earning assets | $90,381,670 | 4,450 |
| Average equity | $10,991,330 | 4,495 |
| Average total loans | $79,156,670 | 3,864 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7419% | 4,161 |
| Cost of funding earning assets | 1.0273% | 142 |
| Net interest margin | 2.7145% | 5,598 |
| Noninterest income to average assets | 0.1782% | 5,427 |
| Noninterest expense to average assets | 2.5073% | 4,047 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1741% | 5,580 |
| Return on assets (ROA) | 0.1741% | 5,634 |
| Pretax return on assets | 0.2114% | 5,631 |
| Return on Equity (ROE) | 1.5322% | 5,608 |
| Retained earnings to average equity (ytd only) | 1.5322% | 4,655 |
| Net charge-offs to loans | 0.0510% | 2,022 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.1000% | 2,361 |
| Efficiency ratio | 92.2256% | 535 |
| Assets per employee ($millions) | 5.6675% | 1,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2435% | 6,028 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6165% | 3,216 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 82.0816% | 549 |
| Net loans and leases to deposits | 99.6974% | 645 |
| Net loans and leases to core deposits | 104.4510% | 1,164 |
| Total domestic deposits to total assets | 82.3307% | 4,108 |
| Equity capital to assets | 11.4097% | 2,524 |
| Core capital (leverage) ratio | 11.2914% | 2,150 |
| Tier 1 risk-based capital ratio | 23.2538% | 989 |
| Total risk-based capital ratio | 23.6621% | 1,078 |
| Memoranda: | ||
| Average total assets | $96,519,000 | 4,523 |
| Average earning assets | $90,329,500 | 4,492 |
| Average equity | $10,964,500 | 4,516 |
| Average total loans | $78,455,500 | 3,900 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7317% | 4,268 |
| Cost of funding earning assets | 0.9537% | 215 |
| Net interest margin | 2.7781% | 5,555 |
| Noninterest income to average assets | 0.1273% | 5,773 |
| Noninterest expense to average assets | 2.5505% | 4,071 |
| Loan and lease loss provision to assets | -0.0125% | 5,637 |
| Net operating income to assets | 0.0971% | 5,759 |
| Return on assets (ROA) | 0.0971% | 5,800 |
| Pretax return on assets | 0.1764% | 5,714 |
| Return on Equity (ROE) | 0.8192% | 5,800 |
| Retained earnings to average equity (ytd only) | -4.4660% | 5,886 |
| Net charge-offs to loans | 0.0355% | 3,502 |
| Credit loss provision to net charge-offs | -44.4444% | 5,045 |
| Earnings coverage of net charge-offs (x) | 5.8148% | 3,323 |
| Efficiency ratio | 93.9639% | 486 |
| Assets per employee ($millions) | 5.6876% | 1,625 |
| Cash dividends to net income (ytd only)* | 645.1613% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2615% | 6,074 |
| Loan loss allowance to noncurrent loans | 86.3830% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 0.6536% | 3,082 |
| Noncurrent loans to loans | 0.3027% | 4,373 |
| Net loans and leases to total assets | 80.0817% | 836 |
| Net loans and leases to deposits | 97.0909% | 898 |
| Net loans and leases to core deposits | 101.2210% | 1,426 |
| Total domestic deposits to total assets | 82.4811% | 4,020 |
| Equity capital to assets | 11.3104% | 2,530 |
| Core capital (leverage) ratio | 11.2256% | 2,183 |
| Tier 1 risk-based capital ratio | 23.2745% | 979 |
| Total risk-based capital ratio | 23.7066% | 1,072 |
| Memoranda: | ||
| Average total assets | $95,823,200 | 4,545 |
| Average earning assets | $89,235,000 | 4,521 |
| Average equity | $11,352,400 | 4,416 |
| Average total loans | $75,975,800 | 3,941 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7311% | 4,325 |
| Cost of funding earning assets | 0.9178% | 264 |
| Net interest margin | 2.8133% | 5,554 |
| Noninterest income to average assets | 0.1269% | 5,839 |
| Noninterest expense to average assets | 2.5465% | 4,056 |
| Loan and lease loss provision to assets | -0.0167% | 5,836 |
| Net operating income to assets | 0.1241% | 5,818 |
| Return on assets (ROA) | 0.1241% | 5,856 |
| Pretax return on assets | 0.2175% | 5,765 |
| Return on Equity (ROE) | 1.0357% | 5,853 |
| Retained earnings to average equity (ytd only) | 1.0357% | 5,302 |
| Net charge-offs to loans | 0.0476% | 2,940 |
| Credit loss provision to net charge-offs | -44.4444% | 4,955 |
| Earnings coverage of net charge-offs (x) | 5.3333% | 3,221 |
| Efficiency ratio | 92.6904% | 536 |
| Assets per employee ($millions) | 5.3991% | 1,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2683% | 6,155 |
| Loan loss allowance to noncurrent loans | 66.9967% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 0.7676% | 2,983 |
| Noncurrent loans to loans | 0.4004% | 4,182 |
| Net loans and leases to total assets | 77.6576% | 1,155 |
| Net loans and leases to deposits | 94.8735% | 1,103 |
| Net loans and leases to core deposits | 99.2935% | 1,575 |
| Total domestic deposits to total assets | 81.8538% | 4,212 |
| Equity capital to assets | 11.8508% | 2,217 |
| Core capital (leverage) ratio | 11.7594% | 1,848 |
| Tier 1 risk-based capital ratio | 24.3792% | 909 |
| Total risk-based capital ratio | 24.8090% | 978 |
| Memoranda: | ||
| Average total assets | $95,606,500 | 4,603 |
| Average earning assets | $89,050,500 | 4,575 |
| Average equity | $11,456,500 | 4,448 |
| Average total loans | $75,561,250 | 3,990 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7799% | 4,133 |
| Cost of funding earning assets | 0.8652% | 341 |
| Net interest margin | 2.9148% | 5,416 |
| Noninterest income to average assets | 0.1283% | 5,909 |
| Noninterest expense to average assets | 2.5536% | 4,060 |
| Loan and lease loss provision to assets | -0.0252% | 5,987 |
| Net operating income to assets | 0.1683% | 5,769 |
| Return on assets (ROA) | 0.1683% | 5,825 |
| Pretax return on assets | 0.3071% | 5,649 |
| Return on Equity (ROE) | 1.3991% | 5,817 |
| Retained earnings to average equity (ytd only) | 1.3991% | 4,989 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0593% | 747 |
| Assets per employee ($millions) | 5.4471% | 1,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3062% | 6,213 |
| Loan loss allowance to noncurrent loans | 53.3643% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 0.7272% | 3,197 |
| Noncurrent loans to loans | 0.5737% | 3,729 |
| Net loans and leases to total assets | 76.3850% | 1,318 |
| Net loans and leases to deposits | 93.0684% | 1,243 |
| Net loans and leases to core deposits | 96.3267% | 1,772 |
| Total domestic deposits to total assets | 82.0741% | 4,276 |
| Equity capital to assets | 11.7238% | 2,228 |
| Core capital (leverage) ratio | 11.8321% | 1,758 |
| Tier 1 risk-based capital ratio | 24.5751% | 898 |
| Total risk-based capital ratio | 25.0668% | 961 |
| Memoranda: | ||
| Average total assets | $95,081,000 | 4,657 |
| Average earning assets | $88,308,330 | 4,632 |
| Average equity | $11,436,330 | 4,478 |
| Average total loans | $75,524,000 | 4,015 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8559% | 3,805 |
| Cost of funding earning assets | 0.8697% | 336 |
| Net interest margin | 2.9863% | 5,256 |
| Noninterest income to average assets | 0.1282% | 5,959 |
| Noninterest expense to average assets | 2.6325% | 3,815 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1282% | 5,831 |
| Return on assets (ROA) | 0.1282% | 5,893 |
| Pretax return on assets | 0.2692% | 5,714 |
| Return on Equity (ROE) | 1.0520% | 5,899 |
| Retained earnings to average equity (ytd only) | 1.0520% | 5,054 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7216% | 798 |
| Assets per employee ($millions) | 5.3049% | 1,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3197% | 6,285 |
| Loan loss allowance to noncurrent loans | 37.0031% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 1.1394% | 2,355 |
| Noncurrent loans to loans | 0.8639% | 3,086 |
| Net loans and leases to total assets | 79.0290% | 788 |
| Net loans and leases to deposits | 96.7611% | 784 |
| Net loans and leases to core deposits | 98.3385% | 1,447 |
| Total domestic deposits to total assets | 81.6743% | 4,617 |
| Equity capital to assets | 11.9700% | 2,049 |
| Core capital (leverage) ratio | 12.1716% | 1,532 |
| Tier 1 risk-based capital ratio | 24.3393% | 958 |
| Total risk-based capital ratio | 24.8547% | 1,022 |
| Memoranda: | ||
| Average total assets | $93,597,500 | 4,732 |
| Average earning assets | $86,931,500 | 4,694 |
| Average equity | $11,407,000 | 4,521 |
| Average total loans | $75,724,000 | 4,031 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9954% | 3,747 |
| Cost of funding earning assets | 0.8405% | 537 |
| Net interest margin | 3.1549% | 5,061 |
| Noninterest income to average assets | 0.0668% | 6,252 |
| Noninterest expense to average assets | 2.5662% | 4,339 |
| Loan and lease loss provision to assets | -0.1226% | 6,185 |
| Net operating income to assets | 0.3372% | 5,417 |
| Return on assets (ROA) | 0.3372% | 5,485 |
| Pretax return on assets | 0.5408% | 5,137 |
| Return on Equity (ROE) | 2.8651% | 5,523 |
| Retained earnings to average equity (ytd only) | 2.8651% | 4,198 |
| Net charge-offs to loans | 0.0188% | 4,474 |
| Credit loss provision to net charge-offs | -800.0000% | 5,869 |
| Earnings coverage of net charge-offs (x) | 27.2857% | 1,435 |
| Efficiency ratio | 85.9868% | 1,171 |
| Assets per employee ($millions) | 5.0943% | 2,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3195% | 6,374 |
| Loan loss allowance to noncurrent loans | 47.8261% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 1.0251% | 2,694 |
| Noncurrent loans to loans | 0.6681% | 3,677 |
| Net loans and leases to total assets | 82.3355% | 486 |
| Net loans and leases to deposits | 101.6767% | 532 |
| Net loans and leases to core deposits | 103.4133% | 1,161 |
| Total domestic deposits to total assets | 80.9778% | 4,755 |
| Equity capital to assets | 12.4223% | 1,691 |
| Core capital (leverage) ratio | 12.4223% | 1,391 |
| Tier 1 risk-based capital ratio | 24.8565% | 847 |
| Total risk-based capital ratio | 25.3846% | 916 |
| Memoranda: | ||
| Average total assets | $91,340,600 | 4,804 |
| Average earning assets | $84,472,400 | 4,775 |
| Average equity | $10,750,200 | 4,610 |
| Average total loans | $74,637,800 | 4,038 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0013% | 3,753 |
| Cost of funding earning assets | 0.8338% | 583 |
| Net interest margin | 3.1675% | 5,068 |
| Noninterest income to average assets | 0.1023% | 6,244 |
| Noninterest expense to average assets | 2.5964% | 4,210 |
| Loan and lease loss provision to assets | -0.0979% | 6,270 |
| Net operating income to assets | 0.3331% | 5,484 |
| Return on assets (ROA) | 0.3331% | 5,552 |
| Pretax return on assets | 0.5289% | 5,240 |
| Return on Equity (ROE) | 2.8705% | 5,586 |
| Retained earnings to average equity (ytd only) | 2.8705% | 4,557 |
| Net charge-offs to loans | 0.0251% | 4,002 |
| Credit loss provision to net charge-offs | -478.5714% | 5,735 |
| Earnings coverage of net charge-offs (x) | 21.0670% | 1,697 |
| Efficiency ratio | 85.7625% | 1,204 |
| Assets per employee ($millions) | 5.0764% | 2,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3812% | 6,425 |
| Loan loss allowance to noncurrent loans | 100.7018% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 0.9598% | 3,049 |
| Noncurrent loans to loans | 0.3785% | 4,777 |
| Net loans and leases to total assets | 82.0892% | 496 |
| Net loans and leases to deposits | 101.3882% | 528 |
| Net loans and leases to core deposits | 103.1420% | 1,146 |
| Total domestic deposits to total assets | 80.9653% | 4,829 |
| Equity capital to assets | 12.3622% | 1,795 |
| Core capital (leverage) ratio | 12.3622% | 1,485 |
| Tier 1 risk-based capital ratio | 24.4645% | 938 |
| Total risk-based capital ratio | 25.0861% | 989 |
| Memoranda: | ||
| Average total assets | $91,251,250 | 4,858 |
| Average earning assets | $84,271,500 | 4,829 |
| Average equity | $10,590,000 | 4,673 |
| Average total loans | $74,361,750 | 4,074 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0587% | 3,512 |
| Cost of funding earning assets | 0.8241% | 633 |
| Net interest margin | 3.2346% | 4,828 |
| Noninterest income to average assets | 0.0987% | 6,289 |
| Noninterest expense to average assets | 2.6269% | 4,152 |
| Loan and lease loss provision to assets | -0.1601% | 6,436 |
| Net operating income to assets | 0.3947% | 5,245 |
| Return on assets (ROA) | 0.3947% | 5,313 |
| Pretax return on assets | 0.6184% | 4,899 |
| Return on Equity (ROE) | 3.4767% | 5,357 |
| Retained earnings to average equity (ytd only) | 3.4767% | 3,991 |
| Net charge-offs to loans | 0.0378% | 3,468 |
| Credit loss provision to net charge-offs | -521.4286% | 5,581 |
| Earnings coverage of net charge-offs (x) | 14.9286% | 1,886 |
| Efficiency ratio | 85.1457% | 1,364 |
| Assets per employee ($millions) | 5.4501% | 1,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3780% | 6,497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7879% | 3,600 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 79.9216% | 698 |
| Net loans and leases to deposits | 99.8719% | 563 |
| Net loans and leases to core deposits | 101.5887% | 1,165 |
| Total domestic deposits to total assets | 80.0242% | 5,230 |
| Equity capital to assets | 12.1141% | 1,907 |
| Core capital (leverage) ratio | 12.1141% | 1,594 |
| Tier 1 risk-based capital ratio | 24.4910% | 932 |
| Total risk-based capital ratio | 25.1042% | 982 |
| Memoranda: | ||
| Average total assets | $91,210,000 | 4,898 |
| Average earning assets | $84,215,000 | 4,862 |
| Average equity | $10,354,670 | 4,732 |
| Average total loans | $74,050,330 | 4,101 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0709% | 3,394 |
| Cost of funding earning assets | 0.8171% | 682 |
| Net interest margin | 3.2538% | 4,728 |
| Noninterest income to average assets | 0.1547% | 6,044 |
| Noninterest expense to average assets | 2.7186% | 3,877 |
| Loan and lease loss provision to assets | -0.2210% | 6,581 |
| Net operating income to assets | 0.4332% | 5,002 |
| Return on assets (ROA) | 0.4332% | 5,061 |
| Pretax return on assets | 0.6498% | 4,663 |
| Return on Equity (ROE) | 3.9516% | 5,061 |
| Retained earnings to average equity (ytd only) | 3.9516% | 3,742 |
| Net charge-offs to loans | 0.0758% | 2,391 |
| Credit loss provision to net charge-offs | -357.1429% | 5,098 |
| Earnings coverage of net charge-offs (x) | 6.9286% | 2,177 |
| Efficiency ratio | 86.3764% | 1,406 |
| Assets per employee ($millions) | 5.5350% | 1,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4125% | 6,557 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8024% | 3,737 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 77.9914% | 771 |
| Net loans and leases to deposits | 93.6583% | 823 |
| Net loans and leases to core deposits | 95.1755% | 1,456 |
| Total domestic deposits to total assets | 83.2722% | 4,508 |
| Equity capital to assets | 10.5978% | 3,146 |
| Core capital (leverage) ratio | 10.5978% | 2,808 |
| Tier 1 risk-based capital ratio | 21.5569% | 1,363 |
| Total risk-based capital ratio | 22.2141% | 1,461 |
| Memoranda: | ||
| Average total assets | $90,489,000 | 4,957 |
| Average earning assets | $83,225,000 | 4,938 |
| Average equity | $9,920,000 | 4,835 |
| Average total loans | $73,910,500 | 4,137 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2440% | 3,176 |
| Cost of funding earning assets | 0.8680% | 872 |
| Net interest margin | 3.3761% | 4,381 |
| Noninterest income to average assets | 0.0738% | 6,473 |
| Noninterest expense to average assets | 2.5659% | 4,570 |
| Loan and lease loss provision to assets | -0.0716% | 6,436 |
| Net operating income to assets | 0.4562% | 4,927 |
| Return on assets (ROA) | 0.4562% | 5,056 |
| Pretax return on assets | 0.7279% | 4,428 |
| Return on Equity (ROE) | 4.1941% | 5,014 |
| Retained earnings to average equity (ytd only) | 2.8680% | 4,210 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6322% | 2,214 |
| Assets per employee ($millions) | 5.1108% | 2,056 |
| Cash dividends to net income (ytd only)* | 31.6176% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4964% | 6,576 |
| Loan loss allowance to noncurrent loans | 56.5284% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 1.1049% | 3,200 |
| Noncurrent loans to loans | 0.8782% | 3,788 |
| Net loans and leases to total assets | 84.8992% | 205 |
| Net loans and leases to deposits | 103.3863% | 344 |
| Net loans and leases to core deposits | 105.6035% | 814 |
| Total domestic deposits to total assets | 82.1185% | 4,832 |
| Equity capital to assets | 11.3578% | 2,281 |
| Core capital (leverage) ratio | 11.3578% | 2,069 |
| Tier 1 risk-based capital ratio | 22.2112% | 1,227 |
| Total risk-based capital ratio | 23.0350% | 1,273 |
| Memoranda: | ||
| Average total assets | $89,441,200 | 4,993 |
| Average earning assets | $83,411,000 | 4,944 |
| Average equity | $9,728,000 | 4,916 |
| Average total loans | $73,930,400 | 4,131 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2808% | 3,076 |
| Cost of funding earning assets | 0.8793% | 911 |
| Net interest margin | 3.4015% | 4,280 |
| Noninterest income to average assets | 0.0385% | 6,660 |
| Noninterest expense to average assets | 2.6020% | 4,384 |
| Loan and lease loss provision to assets | -0.0947% | 6,622 |
| Net operating income to assets | 0.4514% | 5,020 |
| Return on assets (ROA) | 0.4514% | 5,157 |
| Pretax return on assets | 0.7090% | 4,663 |
| Return on Equity (ROE) | 4.1954% | 5,132 |
| Retained earnings to average equity (ytd only) | 2.4209% | 4,879 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9020% | 1,980 |
| Assets per employee ($millions) | 5.1969% | 1,935 |
| Cash dividends to net income (ytd only)* | 42.2958% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4982% | 6,657 |
| Loan loss allowance to noncurrent loans | 41.3948% | 5,582 |
| Noncurrent assets plus other real estate owned to assets | 1.3560% | 2,929 |
| Noncurrent loans to loans | 1.2036% | 3,415 |
| Net loans and leases to total assets | 83.1879% | 284 |
| Net loans and leases to deposits | 100.8591% | 438 |
| Net loans and leases to core deposits | 102.9905% | 934 |
| Total domestic deposits to total assets | 82.4793% | 4,773 |
| Equity capital to assets | 11.0485% | 2,718 |
| Core capital (leverage) ratio | 11.0485% | 2,432 |
| Tier 1 risk-based capital ratio | 21.8279% | 1,347 |
| Total risk-based capital ratio | 22.6508% | 1,391 |
| Memoranda: | ||
| Average total assets | $90,080,750 | 5,036 |
| Average earning assets | $84,156,250 | 4,970 |
| Average equity | $9,693,000 | 4,975 |
| Average total loans | $73,880,250 | 4,163 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2867% | 3,009 |
| Cost of funding earning assets | 0.8658% | 1,053 |
| Net interest margin | 3.4209% | 4,109 |
| Noninterest income to average assets | -0.0066% | 6,813 |
| Noninterest expense to average assets | 2.6054% | 4,360 |
| Loan and lease loss provision to assets | -0.1081% | 6,721 |
| Net operating income to assets | 0.4589% | 4,977 |
| Return on assets (ROA) | 0.4589% | 5,149 |
| Pretax return on assets | 0.6949% | 4,696 |
| Return on Equity (ROE) | 4.3018% | 5,095 |
| Retained earnings to average equity (ytd only) | 4.3018% | 3,547 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6171% | 1,940 |
| Assets per employee ($millions) | 5.3401% | 1,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5195% | 6,687 |
| Loan loss allowance to noncurrent loans | 37.2206% | 5,741 |
| Noncurrent assets plus other real estate owned to assets | 1.4904% | 2,868 |
| Noncurrent loans to loans | 1.3958% | 3,208 |
| Net loans and leases to total assets | 80.7878% | 459 |
| Net loans and leases to deposits | 97.4514% | 577 |
| Net loans and leases to core deposits | 99.7755% | 1,092 |
| Total domestic deposits to total assets | 82.9006% | 4,737 |
| Equity capital to assets | 10.7809% | 2,964 |
| Core capital (leverage) ratio | 10.7809% | 2,582 |
| Tier 1 risk-based capital ratio | 21.5987% | 1,369 |
| Total risk-based capital ratio | 22.4439% | 1,418 |
| Memoranda: | ||
| Average total assets | $90,658,670 | 5,047 |
| Average earning assets | $84,773,330 | 4,989 |
| Average equity | $9,670,330 | 5,015 |
| Average total loans | $73,886,330 | 4,178 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3663% | 2,635 |
| Cost of funding earning assets | 0.8695% | 1,149 |
| Net interest margin | 3.4968% | 3,712 |
| Noninterest income to average assets | -0.1899% | 6,947 |
| Noninterest expense to average assets | 2.7286% | 3,950 |
| Loan and lease loss provision to assets | -0.2163% | 6,900 |
| Net operating income to assets | 0.4283% | 5,013 |
| Return on assets (ROA) | 0.4283% | 5,171 |
| Pretax return on assets | 0.5651% | 5,066 |
| Return on Equity (ROE) | 4.0366% | 5,069 |
| Retained earnings to average equity (ytd only) | 4.0366% | 3,807 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6657% | 1,259 |
| Assets per employee ($millions) | 5.3161% | 1,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5219% | 6,770 |
| Loan loss allowance to noncurrent loans | 28.2032% | 6,090 |
| Noncurrent assets plus other real estate owned to assets | 1.8612% | 2,528 |
| Noncurrent loans to loans | 1.8505% | 2,799 |
| Net loans and leases to total assets | 80.7777% | 366 |
| Net loans and leases to deposits | 97.5259% | 469 |
| Net loans and leases to core deposits | 99.5174% | 979 |
| Total domestic deposits to total assets | 82.8269% | 4,912 |
| Equity capital to assets | 10.6956% | 3,326 |
| Core capital (leverage) ratio | 10.6956% | 2,553 |
| Tier 1 risk-based capital ratio | 21.2351% | 1,482 |
| Total risk-based capital ratio | 22.0765% | 1,549 |
| Memoranda: | ||
| Average total assets | $90,597,500 | 5,082 |
| Average earning assets | $84,648,500 | 5,020 |
| Average equity | $9,612,000 | 5,085 |
| Average total loans | $73,968,000 | 4,204 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5391% | 3,245 |
| Cost of funding earning assets | 1.0339% | 1,192 |
| Net interest margin | 3.5052% | 4,483 |
| Noninterest income to average assets | 0.0516% | 6,683 |
| Noninterest expense to average assets | 2.5451% | 4,946 |
| Loan and lease loss provision to assets | 0.2819% | 2,399 |
| Net operating income to assets | 0.3050% | 5,452 |
| Return on assets (ROA) | 0.3050% | 5,658 |
| Pretax return on assets | 0.5123% | 5,246 |
| Return on Equity (ROE) | 2.9747% | 5,559 |
| Retained earnings to average equity (ytd only) | 2.9747% | 4,137 |
| Net charge-offs to loans | 0.1488% | 4,201 |
| Credit loss provision to net charge-offs | 231.5315% | 1,069 |
| Earnings coverage of net charge-offs (x) | 6.5225% | 2,802 |
| Efficiency ratio | 76.2155% | 2,710 |
| Assets per employee ($millions) | 5.6763% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5795% | 6,783 |
| Loan loss allowance to noncurrent loans | 34.0963% | 5,891 |
| Noncurrent assets plus other real estate owned to assets | 2.3497% | 2,091 |
| Noncurrent loans to loans | 1.6995% | 3,071 |
| Net loans and leases to total assets | 81.6100% | 350 |
| Net loans and leases to deposits | 98.3024% | 490 |
| Net loans and leases to core deposits | 100.2136% | 1,011 |
| Total domestic deposits to total assets | 83.0193% | 4,723 |
| Equity capital to assets | 10.5240% | 3,500 |
| Core capital (leverage) ratio | 10.5240% | 2,733 |
| Tier 1 risk-based capital ratio | 20.5827% | 1,549 |
| Total risk-based capital ratio | 21.5130% | 1,584 |
| Memoranda: | ||
| Average total assets | $91,154,600 | 5,052 |
| Average earning assets | $85,502,000 | 4,974 |
| Average equity | $9,345,400 | 5,140 |
| Average total loans | $74,574,400 | 4,189 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5605% | 3,383 |
| Cost of funding earning assets | 1.0729% | 1,183 |
| Net interest margin | 3.4876% | 4,691 |
| Noninterest income to average assets | -0.0132% | 6,963 |
| Noninterest expense to average assets | 2.5515% | 4,911 |
| Loan and lease loss provision to assets | 0.3610% | 1,795 |
| Net operating income to assets | 0.2177% | 5,869 |
| Return on assets (ROA) | 0.2177% | 6,047 |
| Pretax return on assets | 0.3522% | 5,833 |
| Return on Equity (ROE) | 2.1379% | 5,988 |
| Retained earnings to average equity (ytd only) | 2.1379% | 5,259 |
| Net charge-offs to loans | 0.1984% | 3,540 |
| Credit loss provision to net charge-offs | 222.5225% | 1,248 |
| Earnings coverage of net charge-offs (x) | 4.3963% | 3,311 |
| Efficiency ratio | 78.1558% | 2,380 |
| Assets per employee ($millions) | 5.6766% | 1,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5624% | 6,902 |
| Loan loss allowance to noncurrent loans | 30.9158% | 6,089 |
| Noncurrent assets plus other real estate owned to assets | 2.4575% | 2,153 |
| Noncurrent loans to loans | 1.8191% | 3,048 |
| Net loans and leases to total assets | 82.1536% | 332 |
| Net loans and leases to deposits | 98.7703% | 506 |
| Net loans and leases to core deposits | 100.7004% | 1,072 |
| Total domestic deposits to total assets | 83.1764% | 4,568 |
| Equity capital to assets | 10.3705% | 3,987 |
| Core capital (leverage) ratio | 10.3705% | 3,077 |
| Tier 1 risk-based capital ratio | 20.1299% | 1,721 |
| Total risk-based capital ratio | 21.0318% | 1,785 |
| Memoranda: | ||
| Average total assets | $91,238,000 | 5,098 |
| Average earning assets | $85,748,250 | 5,026 |
| Average equity | $9,292,250 | 5,200 |
| Average total loans | $74,580,250 | 4,238 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5294% | 3,645 |
| Cost of funding earning assets | 1.1151% | 1,149 |
| Net interest margin | 3.4143% | 5,026 |
| Noninterest income to average assets | -0.1116% | 7,101 |
| Noninterest expense to average assets | 2.5543% | 4,944 |
| Loan and lease loss provision to assets | 0.4640% | 1,376 |
| Net operating income to assets | 0.0963% | 6,172 |
| Return on assets (ROA) | 0.0963% | 6,322 |
| Pretax return on assets | 0.1204% | 6,283 |
| Return on Equity (ROE) | 0.9514% | 6,307 |
| Retained earnings to average equity (ytd only) | 0.9514% | 5,690 |
| Net charge-offs to loans | 0.2848% | 2,896 |
| Credit loss provision to net charge-offs | 200.0000% | 1,419 |
| Earnings coverage of net charge-offs (x) | 2.5189% | 3,752 |
| Efficiency ratio | 81.3808% | 1,980 |
| Assets per employee ($millions) | 5.8433% | 1,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5276% | 7,003 |
| Loan loss allowance to noncurrent loans | 34.5679% | 5,945 |
| Noncurrent assets plus other real estate owned to assets | 2.1403% | 2,619 |
| Noncurrent loans to loans | 1.5264% | 3,615 |
| Net loans and leases to total assets | 79.0442% | 613 |
| Net loans and leases to deposits | 94.3420% | 742 |
| Net loans and leases to core deposits | 95.8023% | 1,442 |
| Total domestic deposits to total assets | 83.7847% | 4,408 |
| Equity capital to assets | 9.9517% | 4,412 |
| Core capital (leverage) ratio | 9.9517% | 3,485 |
| Tier 1 risk-based capital ratio | 19.7991% | 1,758 |
| Total risk-based capital ratio | 20.6333% | 1,849 |
| Memoranda: | ||
| Average total assets | $91,375,670 | 5,122 |
| Average earning assets | $86,987,330 | 5,026 |
| Average equity | $9,250,000 | 5,211 |
| Average total loans | $74,427,670 | 4,268 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6703% | 3,167 |
| Cost of funding earning assets | 1.1897% | 1,033 |
| Net interest margin | 3.4805% | 4,787 |
| Noninterest income to average assets | -0.2657% | 7,217 |
| Noninterest expense to average assets | 2.6839% | 4,485 |
| Loan and lease loss provision to assets | 0.8060% | 608 |
| Net operating income to assets | -0.1949% | 6,630 |
| Return on assets (ROA) | -0.1949% | 6,682 |
| Pretax return on assets | -0.4517% | 6,803 |
| Return on Equity (ROE) | -1.9083% | 6,684 |
| Retained earnings to average equity (ytd only) | -1.9083% | 6,272 |
| Net charge-offs to loans | 0.5692% | 1,664 |
| Credit loss provision to net charge-offs | 171.6981% | 1,489 |
| Earnings coverage of net charge-offs (x) | 0.7547% | 3,958 |
| Efficiency ratio | 88.3382% | 1,242 |
| Assets per employee ($millions) | 5.7593% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4897% | 7,072 |
| Loan loss allowance to noncurrent loans | 30.3437% | 6,155 |
| Noncurrent assets plus other real estate owned to assets | 2.6555% | 2,224 |
| Noncurrent loans to loans | 1.6138% | 3,697 |
| Net loans and leases to total assets | 79.8283% | 424 |
| Net loans and leases to deposits | 95.3913% | 579 |
| Net loans and leases to core deposits | 96.8851% | 1,213 |
| Total domestic deposits to total assets | 83.6851% | 4,641 |
| Equity capital to assets | 9.9903% | 4,133 |
| Core capital (leverage) ratio | 9.9903% | 3,378 |
| Tier 1 risk-based capital ratio | 20.5427% | 1,579 |
| Total risk-based capital ratio | 21.3505% | 1,658 |
| Memoranda: | ||
| Average total assets | $90,317,500 | 5,195 |
| Average earning assets | $85,734,000 | 5,092 |
| Average equity | $9,223,000 | 5,240 |
| Average total loans | $74,495,500 | 4,292 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6251% | 4,566 |
| Cost of funding earning assets | 1.7341% | 283 |
| Net interest margin | 2.8910% | 6,706 |
| Noninterest income to average assets | 0.1994% | 6,075 |
| Noninterest expense to average assets | 2.5353% | 5,333 |
| Loan and lease loss provision to assets | 0.1546% | 4,694 |
| Net operating income to assets | 0.1610% | 5,701 |
| Return on assets (ROA) | 0.1610% | 5,840 |
| Pretax return on assets | 0.2484% | 5,673 |
| Return on Equity (ROE) | 1.6546% | 5,787 |
| Retained earnings to average equity (ytd only) | 1.6546% | 5,027 |
| Net charge-offs to loans | 0.1239% | 5,148 |
| Credit loss provision to net charge-offs | 157.6087% | 1,770 |
| Earnings coverage of net charge-offs (x) | 4.1087% | 3,262 |
| Efficiency ratio | 86.2845% | 1,524 |
| Assets per employee ($millions) | 5.5304% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3810% | 7,178 |
| Loan loss allowance to noncurrent loans | 13.1676% | 6,773 |
| Noncurrent assets plus other real estate owned to assets | 3.3768% | 1,754 |
| Noncurrent loans to loans | 2.8934% | 2,260 |
| Net loans and leases to total assets | 84.5128% | 191 |
| Net loans and leases to deposits | 101.9245% | 384 |
| Net loans and leases to core deposits | 102.9035% | 974 |
| Total domestic deposits to total assets | 82.9171% | 4,782 |
| Equity capital to assets | 10.4423% | 3,594 |
| Core capital (leverage) ratio | 10.4423% | 2,800 |
| Tier 1 risk-based capital ratio | 20.5489% | 1,511 |
| Total risk-based capital ratio | 21.1849% | 1,633 |
| Memoranda: | ||
| Average total assets | $93,795,200 | 5,076 |
| Average earning assets | $88,862,200 | 4,968 |
| Average equity | $9,126,000 | 5,245 |
| Average total loans | $74,250,000 | 4,339 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6009% | 4,861 |
| Cost of funding earning assets | 1.7891% | 272 |
| Net interest margin | 2.8117% | 6,871 |
| Noninterest income to average assets | 0.1920% | 6,215 |
| Noninterest expense to average assets | 2.5314% | 5,346 |
| Loan and lease loss provision to assets | 0.1556% | 4,520 |
| Net operating income to assets | 0.1219% | 5,911 |
| Return on assets (ROA) | 0.1219% | 6,024 |
| Pretax return on assets | 0.1682% | 5,959 |
| Return on Equity (ROE) | 1.2751% | 6,004 |
| Retained earnings to average equity (ytd only) | 1.2751% | 5,497 |
| Net charge-offs to loans | 0.1531% | 4,545 |
| Credit loss provision to net charge-offs | 130.5882% | 2,438 |
| Earnings coverage of net charge-offs (x) | 2.7176% | 3,769 |
| Efficiency ratio | 88.6598% | 1,277 |
| Assets per employee ($millions) | 6.6936% | 857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3458% | 7,267 |
| Loan loss allowance to noncurrent loans | 22.2318% | 6,616 |
| Noncurrent assets plus other real estate owned to assets | 2.2377% | 2,851 |
| Noncurrent loans to loans | 1.5555% | 3,954 |
| Net loans and leases to total assets | 79.6459% | 548 |
| Net loans and leases to deposits | 102.8639% | 356 |
| Net loans and leases to core deposits | 105.0456% | 917 |
| Total domestic deposits to total assets | 77.4285% | 6,310 |
| Equity capital to assets | 9.7822% | 4,650 |
| Core capital (leverage) ratio | 9.7822% | 3,725 |
| Tier 1 risk-based capital ratio | 21.2396% | 1,414 |
| Total risk-based capital ratio | 21.8397% | 1,513 |
| Memoranda: | ||
| Average total assets | $95,122,500 | 5,071 |
| Average earning assets | $90,096,500 | 4,953 |
| Average equity | $9,097,500 | 5,279 |
| Average total loans | $74,045,500 | 4,383 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5374% | 5,232 |
| Cost of funding earning assets | 1.8486% | 258 |
| Net interest margin | 2.6888% | 7,044 |
| Noninterest income to average assets | 0.1716% | 6,434 |
| Noninterest expense to average assets | 2.4981% | 5,546 |
| Loan and lease loss provision to assets | 0.1381% | 4,575 |
| Net operating income to assets | 0.0858% | 6,049 |
| Return on assets (ROA) | 0.0858% | 6,127 |
| Pretax return on assets | 0.0795% | 6,134 |
| Return on Equity (ROE) | 0.9036% | 6,109 |
| Retained earnings to average equity (ytd only) | 0.9036% | 5,507 |
| Net charge-offs to loans | 0.1518% | 4,274 |
| Credit loss provision to net charge-offs | 117.8571% | 2,605 |
| Earnings coverage of net charge-offs (x) | 1.8571% | 3,942 |
| Efficiency ratio | 91.9877% | 1,097 |
| Assets per employee ($millions) | 6.8325% | 798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3242% | 7,334 |
| Loan loss allowance to noncurrent loans | 18.6779% | 6,758 |
| Noncurrent assets plus other real estate owned to assets | 2.3438% | 2,811 |
| Noncurrent loans to loans | 1.7357% | 3,836 |
| Net loans and leases to total assets | 78.1078% | 765 |
| Net loans and leases to deposits | 100.3155% | 481 |
| Net loans and leases to core deposits | 101.2563% | 1,235 |
| Total domestic deposits to total assets | 77.8621% | 6,313 |
| Equity capital to assets | 9.5238% | 4,780 |
| Core capital (leverage) ratio | 9.5238% | 3,922 |
| Tier 1 risk-based capital ratio | 20.2625% | 1,559 |
| Total risk-based capital ratio | 20.8029% | 1,677 |
| Memoranda: | ||
| Average total assets | $95,593,000 | 5,086 |
| Average earning assets | $90,447,670 | 4,979 |
| Average equity | $9,074,330 | 5,301 |
| Average total loans | $73,762,000 | 4,434 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5052% | 5,321 |
| Cost of funding earning assets | 1.8985% | 250 |
| Net interest margin | 2.6066% | 7,117 |
| Noninterest income to average assets | 0.1800% | 6,433 |
| Noninterest expense to average assets | 2.5910% | 5,262 |
| Loan and lease loss provision to assets | 0.1632% | 3,997 |
| Net operating income to assets | 0.0209% | 6,303 |
| Return on assets (ROA) | 0.0209% | 6,335 |
| Pretax return on assets | -0.1088% | 6,458 |
| Return on Equity (ROE) | 0.2208% | 6,336 |
| Retained earnings to average equity (ytd only) | 0.2208% | 5,725 |
| Net charge-offs to loans | 0.2132% | 3,237 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 0.3333% | 4,364 |
| Efficiency ratio | 97.9430% | 836 |
| Assets per employee ($millions) | 6.8810% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3168% | 7,395 |
| Loan loss allowance to noncurrent loans | 14.9647% | 6,920 |
| Noncurrent assets plus other real estate owned to assets | 2.7664% | 2,496 |
| Noncurrent loans to loans | 2.1170% | 3,422 |
| Net loans and leases to total assets | 76.1029% | 1,020 |
| Net loans and leases to deposits | 97.4259% | 601 |
| Net loans and leases to core deposits | 98.7287% | 1,450 |
| Total domestic deposits to total assets | 78.1136% | 6,364 |
| Equity capital to assets | 9.4089% | 4,556 |
| Core capital (leverage) ratio | 9.4089% | 3,945 |
| Tier 1 risk-based capital ratio | 20.3970% | 1,500 |
| Total risk-based capital ratio | 20.9213% | 1,625 |
| Memoranda: | ||
| Average total assets | $95,562,000 | 5,114 |
| Average earning assets | $90,385,000 | 5,024 |
| Average equity | $9,056,500 | 5,308 |
| Average total loans | $73,164,500 | 4,504 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9130% | 4,956 |
| Cost of funding earning assets | 2.1394% | 374 |
| Net interest margin | 2.7737% | 7,059 |
| Noninterest income to average assets | 0.1889% | 6,404 |
| Noninterest expense to average assets | 2.3382% | 6,246 |
| Loan and lease loss provision to assets | 0.1847% | 5,386 |
| Net operating income to assets | 0.1868% | 5,312 |
| Return on assets (ROA) | 0.1868% | 5,486 |
| Pretax return on assets | 0.2856% | 5,271 |
| Return on Equity (ROE) | 1.9334% | 5,407 |
| Retained earnings to average equity (ytd only) | 0.9889% | 5,045 |
| Net charge-offs to loans | 0.0800% | 6,024 |
| Credit loss provision to net charge-offs | 291.5254% | 926 |
| Earnings coverage of net charge-offs (x) | 7.4237% | 2,133 |
| Efficiency ratio | 83.2569% | 2,024 |
| Assets per employee ($millions) | 6.7707% | 832 |
| Cash dividends to net income (ytd only)* | 48.8506% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3201% | 7,476 |
| Loan loss allowance to noncurrent loans | 16.4664% | 6,932 |
| Noncurrent assets plus other real estate owned to assets | 2.5245% | 2,745 |
| Noncurrent loans to loans | 1.9441% | 3,641 |
| Net loans and leases to total assets | 76.5376% | 1,172 |
| Net loans and leases to deposits | 98.4490% | 683 |
| Net loans and leases to core deposits | 99.7854% | 1,639 |
| Total domestic deposits to total assets | 77.7434% | 6,365 |
| Equity capital to assets | 9.5464% | 4,345 |
| Core capital (leverage) ratio | 9.5464% | 3,652 |
| Tier 1 risk-based capital ratio | 20.5132% | 1,400 |
| Total risk-based capital ratio | 21.0414% | 1,497 |
| Memoranda: | ||
| Average total assets | $93,147,400 | 5,190 |
| Average earning assets | $87,970,000 | 5,079 |
| Average equity | $8,999,600 | 5,429 |
| Average total loans | $73,738,800 | 4,537 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9942% | 4,846 |
| Cost of funding earning assets | 2.1856% | 396 |
| Net interest margin | 2.8086% | 7,118 |
| Noninterest income to average assets | 0.1768% | 6,615 |
| Noninterest expense to average assets | 2.2860% | 6,369 |
| Loan and lease loss provision to assets | 0.2142% | 4,921 |
| Net operating income to assets | 0.2171% | 5,457 |
| Return on assets (ROA) | 0.2171% | 5,621 |
| Pretax return on assets | 0.3278% | 5,429 |
| Return on Equity (ROE) | 2.2402% | 5,514 |
| Retained earnings to average equity (ytd only) | 0.9792% | 5,416 |
| Net charge-offs to loans | 0.0667% | 5,844 |
| Credit loss provision to net charge-offs | 402.7027% | 748 |
| Earnings coverage of net charge-offs (x) | 10.1895% | 1,912 |
| Efficiency ratio | 80.8338% | 2,240 |
| Assets per employee ($millions) | 6.7325% | 870 |
| Cash dividends to net income (ytd only)* | 56.2907% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3207% | 7,581 |
| Loan loss allowance to noncurrent loans | 23.4818% | 6,737 |
| Noncurrent assets plus other real estate owned to assets | 2.1081% | 3,322 |
| Noncurrent loans to loans | 1.3659% | 4,577 |
| Net loans and leases to total assets | 76.4957% | 1,315 |
| Net loans and leases to deposits | 98.5511% | 760 |
| Net loans and leases to core deposits | 99.8906% | 1,859 |
| Total domestic deposits to total assets | 77.6203% | 6,340 |
| Equity capital to assets | 9.5645% | 4,746 |
| Core capital (leverage) ratio | 9.5645% | 3,812 |
| Tier 1 risk-based capital ratio | 20.4362% | 1,459 |
| Total risk-based capital ratio | 20.9621% | 1,570 |
| Memoranda: | ||
| Average total assets | $92,736,750 | 5,262 |
| Average earning assets | $87,539,250 | 5,156 |
| Average equity | $8,987,250 | 5,503 |
| Average total loans | $73,977,750 | 4,602 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0784% | 4,563 |
| Cost of funding earning assets | 2.2050% | 457 |
| Net interest margin | 2.8734% | 7,044 |
| Noninterest income to average assets | 0.1496% | 6,817 |
| Noninterest expense to average assets | 2.2400% | 6,543 |
| Loan and lease loss provision to assets | 0.2797% | 4,162 |
| Net operating income to assets | 0.2515% | 5,370 |
| Return on assets (ROA) | 0.2515% | 5,508 |
| Pretax return on assets | 0.3426% | 5,390 |
| Return on Equity (ROE) | 2.5841% | 5,421 |
| Retained earnings to average equity (ytd only) | 2.5841% | 4,498 |
| Net charge-offs to loans | 0.0939% | 5,199 |
| Credit loss provision to net charge-offs | 368.5714% | 990 |
| Earnings coverage of net charge-offs (x) | 8.2000% | 2,171 |
| Efficiency ratio | 78.2576% | 2,684 |
| Assets per employee ($millions) | 6.8724% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2947% | 7,666 |
| Loan loss allowance to noncurrent loans | 36.7698% | 5,908 |
| Noncurrent assets plus other real estate owned to assets | 1.6432% | 3,968 |
| Noncurrent loans to loans | 0.8015% | 5,671 |
| Net loans and leases to total assets | 75.2479% | 1,637 |
| Net loans and leases to deposits | 96.5037% | 1,004 |
| Net loans and leases to core deposits | 97.7731% | 2,255 |
| Total domestic deposits to total assets | 77.9741% | 6,274 |
| Equity capital to assets | 9.4113% | 4,849 |
| Core capital (leverage) ratio | 9.4113% | 3,945 |
| Tier 1 risk-based capital ratio | 19.0784% | 1,703 |
| Total risk-based capital ratio | 19.5293% | 1,851 |
| Memoranda: | ||
| Average total assets | $92,230,670 | 5,306 |
| Average earning assets | $87,074,670 | 5,206 |
| Average equity | $8,978,000 | 5,513 |
| Average total loans | $74,526,000 | 4,624 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2423% | 3,821 |
| Cost of funding earning assets | 2.2219% | 552 |
| Net interest margin | 3.0204% | 6,780 |
| Noninterest income to average assets | 0.1108% | 7,139 |
| Noninterest expense to average assets | 2.2873% | 6,411 |
| Loan and lease loss provision to assets | 0.5186% | 2,424 |
| Net operating income to assets | 0.1507% | 5,859 |
| Return on assets (ROA) | 0.1507% | 5,986 |
| Pretax return on assets | 0.1551% | 6,004 |
| Return on Equity (ROE) | 1.5213% | 5,952 |
| Retained earnings to average equity (ytd only) | 1.5213% | 5,181 |
| Net charge-offs to loans | 0.1272% | 4,203 |
| Credit loss provision to net charge-offs | 487.5000% | 871 |
| Earnings coverage of net charge-offs (x) | 6.3333% | 2,242 |
| Efficiency ratio | 77.2455% | 3,027 |
| Assets per employee ($millions) | 6.2455% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2819% | 7,764 |
| Loan loss allowance to noncurrent loans | 25.7246% | 6,689 |
| Noncurrent assets plus other real estate owned to assets | 1.9235% | 3,599 |
| Noncurrent loans to loans | 1.0957% | 5,167 |
| Net loans and leases to total assets | 80.4329% | 778 |
| Net loans and leases to deposits | 103.6778% | 547 |
| Net loans and leases to core deposits | 105.0773% | 1,651 |
| Total domestic deposits to total assets | 77.5797% | 6,432 |
| Equity capital to assets | 9.5663% | 4,431 |
| Core capital (leverage) ratio | 9.5663% | 3,682 |
| Tier 1 risk-based capital ratio | 18.7125% | 1,792 |
| Total risk-based capital ratio | 19.1573% | 1,938 |
| Memoranda: | ||
| Average total assets | $90,239,000 | 5,441 |
| Average earning assets | $85,154,000 | 5,333 |
| Average equity | $8,939,500 | 5,561 |
| Average total loans | $75,482,500 | 4,653 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5418% | 3,920 |
| Cost of funding earning assets | 2.7400% | 528 |
| Net interest margin | 2.8018% | 7,058 |
| Noninterest income to average assets | 0.1481% | 6,994 |
| Noninterest expense to average assets | 2.4129% | 6,429 |
| Loan and lease loss provision to assets | 0.1780% | 5,915 |
| Net operating income to assets | 0.1382% | 5,085 |
| Return on assets (ROA) | 0.1382% | 5,152 |
| Pretax return on assets | 0.2155% | 4,970 |
| Return on Equity (ROE) | 1.4041% | 5,116 |
| Retained earnings to average equity (ytd only) | 0.2808% | 4,753 |
| Net charge-offs to loans | 0.2632% | 4,976 |
| Credit loss provision to net charge-offs | 78.1553% | 6,333 |
| Earnings coverage of net charge-offs (x) | 1.7282% | 4,435 |
| Efficiency ratio | 85.9787% | 2,117 |
| Assets per employee ($millions) | 5.1056% | 2,078 |
| Cash dividends to net income (ytd only)* | 80.0000% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1592% | 7,894 |
| Loan loss allowance to noncurrent loans | 42.8571% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 0.9044% | 5,290 |
| Noncurrent loans to loans | 0.3714% | 6,536 |
| Net loans and leases to total assets | 86.7331% | 232 |
| Net loans and leases to deposits | 114.3239% | 259 |
| Net loans and leases to core deposits | 136.3719% | 939 |
| Total domestic deposits to total assets | 75.8661% | 6,704 |
| Equity capital to assets | 10.2736% | 3,432 |
| Core capital (leverage) ratio | 10.2736% | 2,805 |
| Tier 1 risk-based capital ratio | 19.3549% | 1,582 |
| Total risk-based capital ratio | 19.6154% | 1,744 |
| Memoranda: | ||
| Average total assets | $90,471,200 | 5,376 |
| Average earning assets | $85,839,200 | 5,270 |
| Average equity | $8,902,200 | 5,635 |
| Average total loans | $78,259,600 | 4,574 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5394% | 4,217 |
| Cost of funding earning assets | 2.8518% | 523 |
| Net interest margin | 2.6876% | 7,232 |
| Noninterest income to average assets | 0.1663% | 7,021 |
| Noninterest expense to average assets | 2.3488% | 6,559 |
| Loan and lease loss provision to assets | 0.2057% | 5,342 |
| Net operating income to assets | 0.1036% | 5,452 |
| Return on assets (ROA) | 0.1036% | 5,502 |
| Pretax return on assets | 0.1663% | 5,370 |
| Return on Equity (ROE) | 1.0638% | 5,478 |
| Retained earnings to average equity (ytd only) | -0.4346% | 5,326 |
| Net charge-offs to loans | 0.1705% | 5,028 |
| Credit loss provision to net charge-offs | 139.6040% | 3,532 |
| Earnings coverage of net charge-offs (x) | 2.5248% | 3,961 |
| Efficiency ratio | 86.3271% | 2,026 |
| Assets per employee ($millions) | 5.2434% | 1,845 |
| Cash dividends to net income (ytd only)* | 140.8515% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2682% | 7,926 |
| Loan loss allowance to noncurrent loans | 66.7752% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 1.3855% | 4,325 |
| Noncurrent loans to loans | 0.4016% | 6,537 |
| Net loans and leases to total assets | 85.5224% | 390 |
| Net loans and leases to deposits | 116.8985% | 256 |
| Net loans and leases to core deposits | 137.8610% | 1,019 |
| Total domestic deposits to total assets | 73.1596% | 7,066 |
| Equity capital to assets | 9.9307% | 4,170 |
| Core capital (leverage) ratio | 9.9307% | 3,364 |
| Tier 1 risk-based capital ratio | 18.7996% | 1,799 |
| Total risk-based capital ratio | 19.2350% | 1,939 |
| Memoranda: | ||
| Average total assets | $91,390,250 | 5,383 |
| Average earning assets | $86,867,000 | 5,271 |
| Average equity | $8,898,500 | 5,683 |
| Average total loans | $78,974,500 | 4,588 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5763% | 4,182 |
| Cost of funding earning assets | 2.8987% | 610 |
| Net interest margin | 2.6775% | 7,249 |
| Noninterest income to average assets | 0.1975% | 6,877 |
| Noninterest expense to average assets | 2.3030% | 6,751 |
| Loan and lease loss provision to assets | 0.1346% | 5,736 |
| Net operating income to assets | 0.1867% | 5,315 |
| Return on assets (ROA) | 0.1867% | 5,391 |
| Pretax return on assets | 0.3082% | 5,192 |
| Return on Equity (ROE) | 1.9295% | 5,328 |
| Retained earnings to average equity (ytd only) | 1.9295% | 4,266 |
| Net charge-offs to loans | 0.0551% | 5,722 |
| Credit loss provision to net charge-offs | 281.8182% | 1,662 |
| Earnings coverage of net charge-offs (x) | 9.2727% | 2,155 |
| Efficiency ratio | 83.8735% | 2,489 |
| Assets per employee ($millions) | 5.4071% | 1,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2647% | 8,019 |
| Loan loss allowance to noncurrent loans | 12.2608% | 7,450 |
| Noncurrent assets plus other real estate owned to assets | 2.3542% | 2,759 |
| Noncurrent loans to loans | 2.1586% | 3,297 |
| Net loans and leases to total assets | 84.0448% | 631 |
| Net loans and leases to deposits | 113.9994% | 398 |
| Net loans and leases to core deposits | 136.8272% | 1,172 |
| Total domestic deposits to total assets | 73.7239% | 6,993 |
| Equity capital to assets | 9.7422% | 4,291 |
| Core capital (leverage) ratio | 9.7422% | 3,583 |
| Tier 1 risk-based capital ratio | 18.6699% | 1,845 |
| Total risk-based capital ratio | 19.0973% | 2,002 |
| Memoranda: | ||
| Average total assets | $92,141,000 | 5,401 |
| Average earning assets | $87,693,330 | 5,277 |
| Average equity | $8,914,000 | 5,711 |
| Average total loans | $79,820,000 | 4,588 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6977% | 3,818 |
| Cost of funding earning assets | 2.9148% | 743 |
| Net interest margin | 2.7829% | 7,028 |
| Noninterest income to average assets | 0.1864% | 6,960 |
| Noninterest expense to average assets | 2.3718% | 6,287 |
| Loan and lease loss provision to assets | 0.0954% | 5,740 |
| Net operating income to assets | 0.2255% | 5,579 |
| Return on assets (ROA) | 0.2255% | 5,737 |
| Pretax return on assets | 0.3729% | 5,473 |
| Return on Equity (ROE) | 2.3388% | 5,647 |
| Retained earnings to average equity (ytd only) | 2.3388% | 4,577 |
| Net charge-offs to loans | 0.0346% | 5,031 |
| Credit loss provision to net charge-offs | 314.2857% | 1,556 |
| Earnings coverage of net charge-offs (x) | 15.4286% | 1,606 |
| Efficiency ratio | 83.5115% | 2,352 |
| Assets per employee ($millions) | 5.3962% | 1,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2270% | 8,089 |
| Loan loss allowance to noncurrent loans | 10.0897% | 7,512 |
| Noncurrent assets plus other real estate owned to assets | 2.3655% | 2,421 |
| Noncurrent loans to loans | 2.2498% | 2,932 |
| Net loans and leases to total assets | 86.2430% | 410 |
| Net loans and leases to deposits | 117.3517% | 348 |
| Net loans and leases to core deposits | 143.2153% | 960 |
| Total domestic deposits to total assets | 73.4910% | 6,967 |
| Equity capital to assets | 9.7291% | 4,336 |
| Core capital (leverage) ratio | 9.7291% | 3,710 |
| Tier 1 risk-based capital ratio | 18.3884% | 1,964 |
| Total risk-based capital ratio | 18.7593% | 2,127 |
| Memoranda: | ||
| Average total assets | $92,251,500 | 5,414 |
| Average earning assets | $87,965,000 | 5,290 |
| Average equity | $8,893,500 | 5,739 |
| Average total loans | $81,000,500 | 4,582 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8770% | 6,153 |
| Cost of funding earning assets | 3.2539% | 1,035 |
| Net interest margin | 2.6231% | 7,616 |
| Noninterest income to average assets | 0.2198% | 6,868 |
| Noninterest expense to average assets | 2.1361% | 7,146 |
| Loan and lease loss provision to assets | 0.0577% | 6,692 |
| Net operating income to assets | 0.3520% | 5,345 |
| Return on assets (ROA) | 0.3520% | 5,155 |
| Pretax return on assets | 0.5285% | 4,911 |
| Return on Equity (ROE) | 3.6207% | 4,987 |
| Retained earnings to average equity (ytd only) | 1.3363% | 4,415 |
| Net charge-offs to loans | 0.0134% | 6,718 |
| Credit loss provision to net charge-offs | 472.7273% | 929 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 786 |
| Efficiency ratio | 78.4666% | 2,840 |
| Assets per employee ($millions) | 5.1538% | 1,776 |
| Cash dividends to net income (ytd only)* | 63.0915% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1995% | 8,160 |
| Loan loss allowance to noncurrent loans | 11.2551% | 7,489 |
| Noncurrent assets plus other real estate owned to assets | 1.9964% | 2,469 |
| Noncurrent loans to loans | 1.7725% | 3,105 |
| Net loans and leases to total assets | 88.9757% | 286 |
| Net loans and leases to deposits | 131.8188% | 188 |
| Net loans and leases to core deposits | 158.6961% | 603 |
| Total domestic deposits to total assets | 67.4985% | 7,516 |
| Equity capital to assets | 9.5529% | 4,608 |
| Core capital (leverage) ratio | 9.5529% | 3,943 |
| Tier 1 risk-based capital ratio | 17.7013% | 2,118 |
| Total risk-based capital ratio | 18.0309% | 2,324 |
| Memoranda: | ||
| Average total assets | $90,069,000 | 5,352 |
| Average earning assets | $85,927,800 | 5,236 |
| Average equity | $8,755,200 | 5,828 |
| Average total loans | $82,210,000 | 4,445 |