Home > Texan Bank > Performance and Condition Ratios
Texan Bank, Performance and Condition Ratios
| 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 | 4.7261% | 404 |
| Cost of funding earning assets | 0.5249% | 809 |
| Net interest margin | 4.2013% | 487 |
| Noninterest income to average assets | 0.7370% | 1,634 |
| Noninterest expense to average assets | 3.3741% | 567 |
| Loan and lease loss provision to assets | 0.0258% | 2,543 |
| Net operating income to assets | 1.1010% | 2,293 |
| Return on assets (ROA) | 1.1010% | 2,356 |
| Pretax return on assets | 1.3573% | 2,181 |
| Return on Equity (ROE) | 10.2163% | 2,451 |
| Retained earnings to average equity (ytd only) | 10.2163% | 862 |
| Net charge-offs to loans | -0.0105% | 3,760 |
| Credit loss provision to net charge-offs | -305.5556% | 3,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8770% | 1,632 |
| Assets per employee ($millions) | 7.1150% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 2,370 |
| Loan loss allowance to noncurrent loans | 257.0248% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.5806% | 1,138 |
| Noncurrent loans to loans | 0.5047% | 1,859 |
| Net loans and leases to total assets | 72.7520% | 782 |
| Net loans and leases to deposits | 85.8773% | 788 |
| Net loans and leases to core deposits | 91.0786% | 921 |
| Total domestic deposits to total assets | 84.7162% | 3,354 |
| Equity capital to assets | 10.6002% | 2,087 |
| Core capital (leverage) ratio | 10.5028% | 1,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $426,869,400 | 1,904 |
| Average earning assets | $408,473,000 | 1,874 |
| Average equity | $46,005,000 | 1,893 |
| Average total loans | $341,588,200 | 1,551 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8419% | 379 |
| Cost of funding earning assets | 0.5526% | 819 |
| Net interest margin | 4.2893% | 464 |
| Noninterest income to average assets | 0.6512% | 2,005 |
| Noninterest expense to average assets | 3.3540% | 572 |
| Loan and lease loss provision to assets | 0.0350% | 2,299 |
| Net operating income to assets | 1.0689% | 2,654 |
| Return on assets (ROA) | 1.0689% | 2,723 |
| Pretax return on assets | 1.3598% | 2,465 |
| Return on Equity (ROE) | 9.8738% | 2,782 |
| Retained earnings to average equity (ytd only) | 9.8738% | 1,363 |
| Net charge-offs to loans | -0.0128% | 3,784 |
| Credit loss provision to net charge-offs | -333.3333% | 3,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5619% | 1,541 |
| Assets per employee ($millions) | 7.1814% | 1,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 2,656 |
| Loan loss allowance to noncurrent loans | 264.6594% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.5826% | 1,314 |
| Noncurrent loans to loans | 0.4778% | 2,125 |
| Net loans and leases to total assets | 76.2938% | 529 |
| Net loans and leases to deposits | 90.1266% | 599 |
| Net loans and leases to core deposits | 95.9336% | 748 |
| Total domestic deposits to total assets | 84.6519% | 3,246 |
| Equity capital to assets | 10.5775% | 2,390 |
| Core capital (leverage) ratio | 10.3475% | 2,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $419,747,250 | 1,946 |
| Average earning assets | $400,986,250 | 1,921 |
| Average equity | $45,439,000 | 1,931 |
| Average total loans | $343,076,250 | 1,572 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9420% | 375 |
| Cost of funding earning assets | 0.5827% | 809 |
| Net interest margin | 4.3592% | 445 |
| Noninterest income to average assets | 0.6162% | 2,144 |
| Noninterest expense to average assets | 3.3493% | 578 |
| Loan and lease loss provision to assets | 0.0535% | 1,967 |
| Net operating income to assets | 1.0806% | 2,602 |
| Return on assets (ROA) | 1.0806% | 2,675 |
| Pretax return on assets | 1.3753% | 2,405 |
| Return on Equity (ROE) | 9.9005% | 2,777 |
| Retained earnings to average equity (ytd only) | 9.9005% | 1,426 |
| Net charge-offs to loans | -0.0128% | 3,782 |
| Credit loss provision to net charge-offs | -500.0000% | 3,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9949% | 1,638 |
| Assets per employee ($millions) | 7.1187% | 1,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 2,570 |
| Loan loss allowance to noncurrent loans | 262.8710% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.6278% | 1,321 |
| Noncurrent loans to loans | 0.4842% | 2,226 |
| Net loans and leases to total assets | 77.5308% | 476 |
| Net loans and leases to deposits | 92.9557% | 497 |
| Net loans and leases to core deposits | 99.4444% | 678 |
| Total domestic deposits to total assets | 83.4061% | 3,606 |
| Equity capital to assets | 10.5976% | 2,316 |
| Core capital (leverage) ratio | 10.7555% | 1,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $411,247,333 | 1,968 |
| Average earning assets | $392,638,000 | 1,946 |
| Average equity | $44,886,667 | 1,934 |
| Average total loans | $342,752,667 | 1,583 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0280% | 339 |
| Cost of funding earning assets | 0.6214% | 794 |
| Net interest margin | 4.4066% | 420 |
| Noninterest income to average assets | 0.5854% | 2,270 |
| Noninterest expense to average assets | 3.2700% | 632 |
| Loan and lease loss provision to assets | 0.1101% | 1,258 |
| Net operating income to assets | 1.1087% | 2,443 |
| Return on assets (ROA) | 1.1087% | 2,525 |
| Pretax return on assets | 1.4059% | 2,262 |
| Return on Equity (ROE) | 9.9999% | 2,686 |
| Retained earnings to average equity (ytd only) | 9.9999% | 1,644 |
| Net charge-offs to loans | -0.0116% | 3,730 |
| Credit loss provision to net charge-offs | -1,100.0000% | 3,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1790% | 1,913 |
| Assets per employee ($millions) | 6.5297% | 2,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 2,876 |
| Loan loss allowance to noncurrent loans | 146.6621% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 1.2410% | 588 |
| Noncurrent loans to loans | 0.8252% | 1,623 |
| Net loans and leases to total assets | 85.8836% | 92 |
| Net loans and leases to deposits | 103.6432% | 211 |
| Net loans and leases to core deposits | 110.2346% | 399 |
| Total domestic deposits to total assets | 82.8647% | 3,719 |
| Equity capital to assets | 10.9056% | 1,933 |
| Core capital (leverage) ratio | 10.8201% | 1,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $399,752,000 | 1,994 |
| Average earning assets | $381,065,000 | 1,970 |
| Average equity | $44,320,500 | 1,939 |
| Average total loans | $343,625,000 | 1,584 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0783% | 431 |
| Cost of funding earning assets | 1.0210% | 549 |
| Net interest margin | 4.0573% | 858 |
| Noninterest income to average assets | 0.2558% | 3,953 |
| Noninterest expense to average assets | 3.2252% | 1,011 |
| Loan and lease loss provision to assets | 0.3280% | 1,101 |
| Net operating income to assets | 0.4271% | 4,189 |
| Return on assets (ROA) | 0.4411% | 4,243 |
| Pretax return on assets | 0.5661% | 4,153 |
| Return on Equity (ROE) | 3.8599% | 4,194 |
| Retained earnings to average equity (ytd only) | 3.8599% | 2,893 |
| Net charge-offs to loans | 0.1464% | 1,113 |
| Credit loss provision to net charge-offs | 269.7826% | 1,848 |
| Earnings coverage of net charge-offs (x) | 7.2087% | 2,713 |
| Efficiency ratio | 78.4472% | 1,002 |
| Assets per employee ($millions) | 6.0645% | 2,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 2,536 |
| Loan loss allowance to noncurrent loans | 245.0786% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 1.0901% | 841 |
| Noncurrent loans to loans | 0.5209% | 2,417 |
| Net loans and leases to total assets | 83.8407% | 183 |
| Net loans and leases to deposits | 100.4870% | 355 |
| Net loans and leases to core deposits | 107.7984% | 577 |
| Total domestic deposits to total assets | 83.4344% | 3,285 |
| Equity capital to assets | 11.2792% | 2,035 |
| Core capital (leverage) ratio | 10.7372% | 1,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $378,399,400 | 1,926 |
| Average earning assets | $358,664,600 | 1,904 |
| Average equity | $43,239,200 | 1,901 |
| Average total loans | $314,309,600 | 1,636 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0777% | 522 |
| Cost of funding earning assets | 1.1173% | 503 |
| Net interest margin | 3.9604% | 1,212 |
| Noninterest income to average assets | 0.2965% | 3,708 |
| Noninterest expense to average assets | 3.0069% | 1,431 |
| Loan and lease loss provision to assets | 0.0630% | 3,551 |
| Net operating income to assets | 0.7646% | 3,229 |
| Return on assets (ROA) | 0.7834% | 3,271 |
| Pretax return on assets | 0.9986% | 3,075 |
| Return on Equity (ROE) | 6.8328% | 3,262 |
| Retained earnings to average equity (ytd only) | 6.8328% | 1,769 |
| Net charge-offs to loans | -0.0601% | 4,716 |
| Credit loss provision to net charge-offs | -127.1429% | 3,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1452% | 1,394 |
| Assets per employee ($millions) | 6.8783% | 1,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 3,021 |
| Loan loss allowance to noncurrent loans | 215.2299% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 1.2050% | 829 |
| Noncurrent loans to loans | 0.5262% | 2,483 |
| Net loans and leases to total assets | 80.5595% | 559 |
| Net loans and leases to deposits | 99.3086% | 564 |
| Net loans and leases to core deposits | 106.8340% | 813 |
| Total domestic deposits to total assets | 81.1204% | 3,630 |
| Equity capital to assets | 10.9120% | 2,468 |
| Core capital (leverage) ratio | 10.3593% | 2,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $375,966,750 | 1,920 |
| Average earning assets | $355,846,250 | 1,898 |
| Average equity | $43,104,500 | 1,894 |
| Average total loans | $310,482,250 | 1,641 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3831% | 414 |
| Cost of funding earning assets | 1.2416% | 444 |
| Net interest margin | 4.1415% | 1,037 |
| Noninterest income to average assets | 0.2371% | 4,057 |
| Noninterest expense to average assets | 3.0840% | 1,389 |
| Loan and lease loss provision to assets | 0.0836% | 3,236 |
| Net operating income to assets | 0.7796% | 3,111 |
| Return on assets (ROA) | 0.8060% | 3,140 |
| Pretax return on assets | 1.0196% | 2,974 |
| Return on Equity (ROE) | 6.9068% | 3,166 |
| Retained earnings to average equity (ytd only) | 6.9068% | 1,700 |
| Net charge-offs to loans | -0.0119% | 4,250 |
| Credit loss provision to net charge-offs | -850.0000% | 3,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0595% | 1,458 |
| Assets per employee ($millions) | 7.0882% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 3,146 |
| Loan loss allowance to noncurrent loans | 69.6342% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 2.0393% | 342 |
| Noncurrent loans to loans | 1.5595% | 959 |
| Net loans and leases to total assets | 79.7159% | 624 |
| Net loans and leases to deposits | 101.7953% | 454 |
| Net loans and leases to core deposits | 110.3682% | 725 |
| Total domestic deposits to total assets | 78.3100% | 4,144 |
| Equity capital to assets | 10.5875% | 2,676 |
| Core capital (leverage) ratio | 10.8283% | 2,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $366,016,333 | 1,933 |
| Average earning assets | $346,158,333 | 1,914 |
| Average equity | $42,711,667 | 1,895 |
| Average total loans | $303,753,000 | 1,654 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5339% | 343 |
| Cost of funding earning assets | 1.4988% | 272 |
| Net interest margin | 4.0351% | 1,301 |
| Noninterest income to average assets | 0.2341% | 4,147 |
| Noninterest expense to average assets | 3.2166% | 1,392 |
| Loan and lease loss provision to assets | 0.1200% | 2,193 |
| Net operating income to assets | 0.5613% | 3,706 |
| Return on assets (ROA) | 0.5613% | 3,772 |
| Pretax return on assets | 0.7162% | 3,632 |
| Return on Equity (ROE) | 4.5575% | 3,799 |
| Retained earnings to average equity (ytd only) | 4.5575% | 2,477 |
| Net charge-offs to loans | -0.0069% | 3,951 |
| Credit loss provision to net charge-offs | -2,060.0000% | 3,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1667% | 1,221 |
| Assets per employee ($millions) | 5.8393% | 1,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 2,595 |
| Loan loss allowance to noncurrent loans | 325.5064% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 1.4684% | 743 |
| Noncurrent loans to loans | 0.3727% | 3,148 |
| Net loans and leases to total assets | 83.5484% | 295 |
| Net loans and leases to deposits | 95.4830% | 965 |
| Net loans and leases to core deposits | 104.4784% | 1,155 |
| Total domestic deposits to total assets | 87.5009% | 1,333 |
| Equity capital to assets | 12.3740% | 1,816 |
| Core capital (leverage) ratio | 11.8472% | 1,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2296% | 2,187 |
| Memoranda: | ||
| Average total assets | $343,467,000 | 1,986 |
| Average earning assets | $325,051,000 | 1,952 |
| Average equity | $42,304,000 | 1,904 |
| Average total loans | $289,968,500 | 1,678 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8691% | 282 |
| Cost of funding earning assets | 1.6371% | 260 |
| Net interest margin | 4.2320% | 1,252 |
| Noninterest income to average assets | 0.2122% | 4,402 |
| Noninterest expense to average assets | 3.5636% | 887 |
| Loan and lease loss provision to assets | 0.3305% | 480 |
| Net operating income to assets | 0.2558% | 4,791 |
| Return on assets (ROA) | 0.2580% | 4,812 |
| Pretax return on assets | 0.3352% | 4,784 |
| Return on Equity (ROE) | 2.0051% | 4,798 |
| Retained earnings to average equity (ytd only) | 2.0051% | 3,999 |
| Net charge-offs to loans | 0.4449% | 431 |
| Credit loss provision to net charge-offs | 89.0651% | 2,665 |
| Earnings coverage of net charge-offs (x) | 1.7863% | 3,494 |
| Efficiency ratio | 84.1029% | 649 |
| Assets per employee ($millions) | 5.9037% | 1,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 2,505 |
| Loan loss allowance to noncurrent loans | 160.0654% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 1.4702% | 694 |
| Noncurrent loans to loans | 0.7420% | 2,028 |
| Net loans and leases to total assets | 83.2717% | 392 |
| Net loans and leases to deposits | 95.1131% | 1,035 |
| Net loans and leases to core deposits | 104.2008% | 1,216 |
| Total domestic deposits to total assets | 87.5502% | 1,346 |
| Equity capital to assets | 12.2591% | 1,973 |
| Core capital (leverage) ratio | 12.0165% | 1,765 |
| Tier 1 risk-based capital ratio | 13.0829% | 3,754 |
| Total risk-based capital ratio | 14.1995% | 3,694 |
| Memoranda: | ||
| Average total assets | $322,823,200 | 2,018 |
| Average earning assets | $306,212,600 | 1,987 |
| Average equity | $41,544,600 | 1,868 |
| Average total loans | $269,278,200 | 1,736 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8244% | 342 |
| Cost of funding earning assets | 1.6462% | 249 |
| Net interest margin | 4.1783% | 1,420 |
| Noninterest income to average assets | 0.1724% | 4,679 |
| Noninterest expense to average assets | 3.4817% | 969 |
| Loan and lease loss provision to assets | 0.1854% | 972 |
| Net operating income to assets | 0.3598% | 4,779 |
| Return on assets (ROA) | 0.3598% | 4,805 |
| Pretax return on assets | 0.4651% | 4,739 |
| Return on Equity (ROE) | 2.7608% | 4,805 |
| Retained earnings to average equity (ytd only) | 2.7608% | 3,987 |
| Net charge-offs to loans | 0.2314% | 766 |
| Credit loss provision to net charge-offs | 96.2963% | 2,323 |
| Earnings coverage of net charge-offs (x) | 3.3791% | 3,104 |
| Efficiency ratio | 84.0353% | 614 |
| Assets per employee ($millions) | 5.5797% | 1,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2537% | 2,213 |
| Loan loss allowance to noncurrent loans | 136.8238% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 1.3612% | 866 |
| Noncurrent loans to loans | 0.9163% | 1,745 |
| Net loans and leases to total assets | 84.7245% | 273 |
| Net loans and leases to deposits | 97.2771% | 895 |
| Net loans and leases to core deposits | 105.6425% | 1,207 |
| Total domestic deposits to total assets | 87.0960% | 1,468 |
| Equity capital to assets | 12.7558% | 1,749 |
| Core capital (leverage) ratio | 12.1124% | 1,780 |
| Tier 1 risk-based capital ratio | 13.4725% | 3,584 |
| Total risk-based capital ratio | 14.6599% | 3,528 |
| Memoranda: | ||
| Average total assets | $317,925,500 | 2,060 |
| Average earning assets | $301,298,750 | 2,024 |
| Average equity | $41,436,500 | 1,878 |
| Average total loans | $264,457,500 | 1,764 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7344% | 372 |
| Cost of funding earning assets | 1.6165% | 255 |
| Net interest margin | 4.1179% | 1,560 |
| Noninterest income to average assets | 0.1884% | 4,629 |
| Noninterest expense to average assets | 3.5357% | 917 |
| Loan and lease loss provision to assets | 0.2024% | 843 |
| Net operating income to assets | 0.2686% | 4,916 |
| Return on assets (ROA) | 0.2686% | 4,929 |
| Pretax return on assets | 0.3520% | 4,885 |
| Return on Equity (ROE) | 2.0460% | 4,933 |
| Retained earnings to average equity (ytd only) | 2.0460% | 4,097 |
| Net charge-offs to loans | 0.3629% | 459 |
| Credit loss provision to net charge-offs | 67.8038% | 2,337 |
| Earnings coverage of net charge-offs (x) | 1.8571% | 2,985 |
| Efficiency ratio | 86.2257% | 538 |
| Assets per employee ($millions) | 5.6827% | 1,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2518% | 2,241 |
| Loan loss allowance to noncurrent loans | 111.7782% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 1.5401% | 718 |
| Noncurrent loans to loans | 1.1199% | 1,456 |
| Net loans and leases to total assets | 81.5436% | 668 |
| Net loans and leases to deposits | 95.1351% | 1,136 |
| Net loans and leases to core deposits | 102.8805% | 1,479 |
| Total domestic deposits to total assets | 85.7135% | 2,176 |
| Equity capital to assets | 12.5986% | 1,801 |
| Core capital (leverage) ratio | 12.4446% | 1,564 |
| Tier 1 risk-based capital ratio | 13.9377% | 3,346 |
| Total risk-based capital ratio | 15.1335% | 3,282 |
| Memoranda: | ||
| Average total assets | $314,167,330 | 2,092 |
| Average earning assets | $297,678,000 | 2,052 |
| Average equity | $41,251,330 | 1,883 |
| Average total loans | $258,458,670 | 1,801 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6935% | 367 |
| Cost of funding earning assets | 1.5695% | 253 |
| Net interest margin | 4.1240% | 1,491 |
| Noninterest income to average assets | 0.1853% | 4,640 |
| Noninterest expense to average assets | 3.5882% | 859 |
| Loan and lease loss provision to assets | 0.0444% | 2,750 |
| Net operating income to assets | 0.3707% | 4,789 |
| Return on assets (ROA) | 0.3707% | 4,795 |
| Pretax return on assets | 0.4660% | 4,751 |
| Return on Equity (ROE) | 2.7630% | 4,836 |
| Retained earnings to average equity (ytd only) | 2.7630% | 3,831 |
| Net charge-offs to loans | 0.7281% | 205 |
| Credit loss provision to net charge-offs | 7.4236% | 2,186 |
| Earnings coverage of net charge-offs (x) | 0.8537% | 2,641 |
| Efficiency ratio | 87.3248% | 515 |
| Assets per employee ($millions) | 5.5106% | 1,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2238% | 2,457 |
| Loan loss allowance to noncurrent loans | 101.0316% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 1.8720% | 552 |
| Noncurrent loans to loans | 1.2113% | 1,359 |
| Net loans and leases to total assets | 80.5326% | 777 |
| Net loans and leases to deposits | 94.5620% | 1,107 |
| Net loans and leases to core deposits | 101.6545% | 1,492 |
| Total domestic deposits to total assets | 85.1639% | 2,615 |
| Equity capital to assets | 13.1462% | 1,373 |
| Core capital (leverage) ratio | 12.9431% | 1,300 |
| Tier 1 risk-based capital ratio | 14.5818% | 3,069 |
| Total risk-based capital ratio | 15.7390% | 3,031 |
| Memoranda: | ||
| Average total assets | $306,451,500 | 2,160 |
| Average earning assets | $290,788,500 | 2,108 |
| Average equity | $41,114,500 | 1,888 |
| Average total loans | $251,601,000 | 1,848 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7273% | 266 |
| Cost of funding earning assets | 1.1601% | 396 |
| Net interest margin | 4.5672% | 660 |
| Noninterest income to average assets | 0.7279% | 1,743 |
| Noninterest expense to average assets | 3.8719% | 626 |
| Loan and lease loss provision to assets | 0.6113% | 182 |
| Net operating income to assets | 0.4895% | 4,685 |
| Return on assets (ROA) | 0.4895% | 4,684 |
| Pretax return on assets | 0.6264% | 4,583 |
| Return on Equity (ROE) | 3.2784% | 4,856 |
| Retained earnings to average equity (ytd only) | 3.2784% | 3,767 |
| Net charge-offs to loans | 0.3533% | 535 |
| Credit loss provision to net charge-offs | 205.9701% | 1,399 |
| Earnings coverage of net charge-offs (x) | 4.1704% | 3,326 |
| Efficiency ratio | 75.5671% | 1,422 |
| Assets per employee ($millions) | 5.2421% | 2,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4398% | 1,486 |
| Loan loss allowance to noncurrent loans | 184.1615% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 1.8625% | 539 |
| Noncurrent loans to loans | 0.7818% | 2,054 |
| Net loans and leases to total assets | 81.5109% | 728 |
| Net loans and leases to deposits | 96.4857% | 1,027 |
| Net loans and leases to core deposits | 103.0350% | 1,508 |
| Total domestic deposits to total assets | 84.4798% | 2,843 |
| Equity capital to assets | 13.7002% | 1,065 |
| Core capital (leverage) ratio | 13.1396% | 1,193 |
| Tier 1 risk-based capital ratio | 15.1867% | 2,742 |
| Total risk-based capital ratio | 16.4380% | 2,677 |
| Memoranda: | ||
| Average total assets | $270,903,600 | 2,326 |
| Average earning assets | $259,895,600 | 2,268 |
| Average equity | $40,447,000 | 1,841 |
| Average total loans | $227,541,200 | 1,967 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6186% | 292 |
| Cost of funding earning assets | 1.0168% | 553 |
| Net interest margin | 4.6018% | 593 |
| Noninterest income to average assets | 0.7098% | 1,835 |
| Noninterest expense to average assets | 3.7746% | 686 |
| Loan and lease loss provision to assets | 0.5279% | 206 |
| Net operating income to assets | 0.6542% | 4,357 |
| Return on assets (ROA) | 0.6542% | 4,372 |
| Pretax return on assets | 0.8356% | 4,208 |
| Return on Equity (ROE) | 4.2818% | 4,756 |
| Retained earnings to average equity (ytd only) | 4.2818% | 3,626 |
| Net charge-offs to loans | 0.0090% | 3,098 |
| Credit loss provision to net charge-offs | 6,966.6667% | 52 |
| Earnings coverage of net charge-offs (x) | 179.9290% | 478 |
| Efficiency ratio | 73.2475% | 1,694 |
| Assets per employee ($millions) | 5.2957% | 2,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 1,340 |
| Loan loss allowance to noncurrent loans | 111.8563% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 1.7108% | 714 |
| Noncurrent loans to loans | 1.3424% | 1,242 |
| Net loans and leases to total assets | 84.1401% | 442 |
| Net loans and leases to deposits | 100.0425% | 781 |
| Net loans and leases to core deposits | 106.3377% | 1,286 |
| Total domestic deposits to total assets | 84.1044% | 2,905 |
| Equity capital to assets | 14.0241% | 952 |
| Core capital (leverage) ratio | 14.3234% | 859 |
| Tier 1 risk-based capital ratio | 15.1688% | 2,807 |
| Total risk-based capital ratio | 16.4210% | 2,727 |
| Memoranda: | ||
| Average total assets | $263,930,000 | 2,390 |
| Average earning assets | $253,981,750 | 2,325 |
| Average equity | $40,324,750 | 1,839 |
| Average total loans | $222,648,750 | 2,009 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5878% | 282 |
| Cost of funding earning assets | 0.8955% | 745 |
| Net interest margin | 4.6923% | 445 |
| Noninterest income to average assets | 0.7291% | 1,745 |
| Noninterest expense to average assets | 3.9055% | 598 |
| Loan and lease loss provision to assets | 0.0808% | 2,296 |
| Net operating income to assets | 0.9866% | 3,080 |
| Return on assets (ROA) | 0.9866% | 3,081 |
| Pretax return on assets | 1.2542% | 2,708 |
| Return on Equity (ROE) | 6.2614% | 4,149 |
| Retained earnings to average equity (ytd only) | 6.2614% | 2,436 |
| Net charge-offs to loans | 0.0140% | 2,668 |
| Credit loss provision to net charge-offs | 686.6667% | 565 |
| Earnings coverage of net charge-offs (x) | 113.4000% | 634 |
| Efficiency ratio | 74.3148% | 1,663 |
| Assets per employee ($millions) | 4.9280% | 2,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 2,616 |
| Loan loss allowance to noncurrent loans | 151.1087% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 1.1195% | 1,316 |
| Noncurrent loans to loans | 0.8059% | 2,117 |
| Net loans and leases to total assets | 85.1723% | 335 |
| Net loans and leases to deposits | 103.1404% | 579 |
| Net loans and leases to core deposits | 108.9390% | 1,054 |
| Total domestic deposits to total assets | 82.5790% | 3,538 |
| Equity capital to assets | 15.3350% | 623 |
| Core capital (leverage) ratio | 15.1217% | 642 |
| Tier 1 risk-based capital ratio | 16.1927% | 2,372 |
| Total risk-based capital ratio | 17.3519% | 2,338 |
| Memoranda: | ||
| Average total assets | $254,819,000 | 2,470 |
| Average earning assets | $244,999,330 | 2,394 |
| Average equity | $40,150,670 | 1,855 |
| Average total loans | $213,930,000 | 2,078 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2749% | 426 |
| Cost of funding earning assets | 0.8142% | 899 |
| Net interest margin | 4.4607% | 667 |
| Noninterest income to average assets | 0.6823% | 1,901 |
| Noninterest expense to average assets | 3.9908% | 538 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7850% | 3,772 |
| Return on assets (ROA) | 0.7850% | 3,767 |
| Pretax return on assets | 0.9921% | 3,560 |
| Return on Equity (ROE) | 4.9119% | 4,527 |
| Retained earnings to average equity (ytd only) | 4.9119% | 3,223 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8647% | 1,155 |
| Assets per employee ($millions) | 4.5861% | 3,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 2,479 |
| Loan loss allowance to noncurrent loans | 234.4887% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.9055% | 1,755 |
| Noncurrent loans to loans | 0.5359% | 2,917 |
| Net loans and leases to total assets | 84.3004% | 408 |
| Net loans and leases to deposits | 102.7927% | 549 |
| Net loans and leases to core deposits | 108.3501% | 1,099 |
| Total domestic deposits to total assets | 82.0100% | 3,959 |
| Equity capital to assets | 15.8749% | 506 |
| Core capital (leverage) ratio | 15.8787% | 504 |
| Tier 1 risk-based capital ratio | 17.0361% | 2,106 |
| Total risk-based capital ratio | 18.2426% | 2,072 |
| Memoranda: | ||
| Average total assets | $249,173,500 | 2,524 |
| Average earning assets | $240,233,500 | 2,445 |
| Average equity | $39,822,000 | 1,875 |
| Average total loans | $206,172,000 | 2,148 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2606% | 394 |
| Cost of funding earning assets | 0.8246% | 543 |
| Net interest margin | 4.4360% | 704 |
| Noninterest income to average assets | 1.4087% | 533 |
| Noninterest expense to average assets | 4.3817% | 349 |
| Loan and lease loss provision to assets | 0.1291% | 1,774 |
| Net operating income to assets | 0.6184% | 3,935 |
| Return on assets (ROA) | 0.6184% | 3,976 |
| Pretax return on assets | 1.1612% | 2,938 |
| Return on Equity (ROE) | 5.7786% | 3,845 |
| Retained earnings to average equity (ytd only) | 5.7786% | 1,668 |
| Net charge-offs to loans | 0.1575% | 1,546 |
| Credit loss provision to net charge-offs | 100.6689% | 2,546 |
| Earnings coverage of net charge-offs (x) | 10.0635% | 2,718 |
| Efficiency ratio | 77.0318% | 1,479 |
| Assets per employee ($millions) | 4.4748% | 3,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3736% | 1,866 |
| Loan loss allowance to noncurrent loans | 167.6580% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 1.1153% | 1,348 |
| Noncurrent loans to loans | 0.8193% | 2,167 |
| Net loans and leases to total assets | 78.9466% | 1,130 |
| Net loans and leases to deposits | 94.4413% | 1,229 |
| Net loans and leases to core deposits | 99.6129% | 1,743 |
| Total domestic deposits to total assets | 83.5932% | 3,357 |
| Equity capital to assets | 16.0910% | 502 |
| Core capital (leverage) ratio | 15.7738% | 502 |
| Tier 1 risk-based capital ratio | 17.7881% | 1,862 |
| Total risk-based capital ratio | 19.0382% | 1,809 |
| Memoranda: | ||
| Average total assets | $233,198,200 | 2,618 |
| Average earning assets | $224,119,200 | 2,555 |
| Average equity | $24,954,000 | 2,677 |
| Average total loans | $189,848,000 | 2,242 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2572% | 377 |
| Cost of funding earning assets | 0.8328% | 485 |
| Net interest margin | 4.4244% | 695 |
| Noninterest income to average assets | 0.9926% | 1,044 |
| Noninterest expense to average assets | 4.1320% | 439 |
| Loan and lease loss provision to assets | 0.1160% | 1,862 |
| Net operating income to assets | 0.6180% | 4,320 |
| Return on assets (ROA) | 0.6180% | 4,364 |
| Pretax return on assets | 0.9920% | 3,714 |
| Return on Equity (ROE) | 6.6753% | 3,830 |
| Retained earnings to average equity (ytd only) | 6.6753% | 1,858 |
| Net charge-offs to loans | -0.0411% | 5,103 |
| Credit loss provision to net charge-offs | -344.8276% | 4,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6125% | 1,254 |
| Assets per employee ($millions) | 4.1903% | 3,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5320% | 1,425 |
| Loan loss allowance to noncurrent loans | 188.7827% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 1.2387% | 1,314 |
| Noncurrent loans to loans | 0.8115% | 2,338 |
| Net loans and leases to total assets | 84.1350% | 422 |
| Net loans and leases to deposits | 94.1450% | 1,289 |
| Net loans and leases to core deposits | 98.9969% | 1,798 |
| Total domestic deposits to total assets | 89.3675% | 718 |
| Equity capital to assets | 10.4968% | 3,379 |
| Core capital (leverage) ratio | 9.5645% | 4,076 |
| Tier 1 risk-based capital ratio | 10.8407% | 5,321 |
| Total risk-based capital ratio | 12.0931% | 5,231 |
| Memoranda: | ||
| Average total assets | $229,969,750 | 2,666 |
| Average earning assets | $220,770,750 | 2,597 |
| Average equity | $21,292,000 | 3,039 |
| Average total loans | $188,059,250 | 2,270 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1144% | 455 |
| Cost of funding earning assets | 0.8171% | 484 |
| Net interest margin | 4.2973% | 870 |
| Noninterest income to average assets | 0.9559% | 1,122 |
| Noninterest expense to average assets | 4.1047% | 465 |
| Loan and lease loss provision to assets | 0.1730% | 1,111 |
| Net operating income to assets | 0.5121% | 4,676 |
| Return on assets (ROA) | 0.5121% | 4,710 |
| Pretax return on assets | 0.8045% | 4,256 |
| Return on Equity (ROE) | 5.7835% | 4,139 |
| Retained earnings to average equity (ytd only) | 5.7835% | 2,238 |
| Net charge-offs to loans | -0.0655% | 5,278 |
| Credit loss provision to net charge-offs | -327.8689% | 4,581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5277% | 1,157 |
| Assets per employee ($millions) | 4.4233% | 3,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5348% | 1,455 |
| Loan loss allowance to noncurrent loans | 184.8504% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 1.1882% | 1,433 |
| Noncurrent loans to loans | 0.8303% | 2,326 |
| Net loans and leases to total assets | 79.6379% | 1,004 |
| Net loans and leases to deposits | 87.3555% | 2,059 |
| Net loans and leases to core deposits | 91.7842% | 2,357 |
| Total domestic deposits to total assets | 91.1654% | 186 |
| Equity capital to assets | 8.6977% | 5,144 |
| Core capital (leverage) ratio | 8.3667% | 5,310 |
| Tier 1 risk-based capital ratio | 9.1663% | 5,733 |
| Total risk-based capital ratio | 10.4189% | 5,727 |
| Memoranda: | ||
| Average total assets | $231,200,330 | 2,668 |
| Average earning assets | $222,001,000 | 2,600 |
| Average equity | $20,472,000 | 3,107 |
| Average total loans | $186,298,670 | 2,295 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1170% | 433 |
| Cost of funding earning assets | 0.8290% | 417 |
| Net interest margin | 4.2880% | 813 |
| Noninterest income to average assets | 1.5991% | 433 |
| Noninterest expense to average assets | 4.2046% | 427 |
| Loan and lease loss provision to assets | 0.3518% | 335 |
| Net operating income to assets | 0.7459% | 3,495 |
| Return on assets (ROA) | 0.7459% | 3,549 |
| Pretax return on assets | 1.1558% | 2,756 |
| Return on Equity (ROE) | 8.3463% | 2,749 |
| Retained earnings to average equity (ytd only) | 8.3463% | 1,326 |
| Net charge-offs to loans | -0.0044% | 4,143 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3908% | 2,344 |
| Assets per employee ($millions) | 4.3642% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 1,616 |
| Loan loss allowance to noncurrent loans | 198.9049% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 1.1876% | 1,485 |
| Noncurrent loans to loans | 0.7657% | 2,566 |
| Net loans and leases to total assets | 82.7987% | 480 |
| Net loans and leases to deposits | 91.1782% | 1,409 |
| Net loans and leases to core deposits | 96.9136% | 1,756 |
| Total domestic deposits to total assets | 90.8097% | 358 |
| Equity capital to assets | 9.0576% | 4,753 |
| Core capital (leverage) ratio | 8.0891% | 5,513 |
| Tier 1 risk-based capital ratio | 9.0588% | 5,804 |
| Total risk-based capital ratio | 10.3112% | 5,803 |
| Memoranda: | ||
| Average total assets | $227,372,500 | 2,729 |
| Average earning assets | $218,098,000 | 2,658 |
| Average equity | $20,320,500 | 3,135 |
| Average total loans | $182,855,500 | 2,336 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6797% | 1,101 |
| Cost of funding earning assets | 0.8124% | 470 |
| Net interest margin | 3.8673% | 2,074 |
| Noninterest income to average assets | 1.1399% | 878 |
| Noninterest expense to average assets | 4.3607% | 424 |
| Loan and lease loss provision to assets | 1.2822% | 77 |
| Net operating income to assets | -0.5376% | 5,792 |
| Return on assets (ROA) | -0.5357% | 5,795 |
| Pretax return on assets | -0.7902% | 5,814 |
| Return on Equity (ROE) | -5.4905% | 5,797 |
| Retained earnings to average equity (ytd only) | -5.4905% | 5,694 |
| Net charge-offs to loans | 1.3260% | 119 |
| Credit loss provision to net charge-offs | 132.5728% | 2,039 |
| Earnings coverage of net charge-offs (x) | 0.5058% | 4,097 |
| Efficiency ratio | 89.6321% | 578 |
| Assets per employee ($millions) | 4.4668% | 3,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5460% | 1,514 |
| Loan loss allowance to noncurrent loans | 136.9807% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 1.4082% | 1,214 |
| Noncurrent loans to loans | 1.1286% | 1,823 |
| Net loans and leases to total assets | 75.5901% | 1,586 |
| Net loans and leases to deposits | 83.1194% | 2,525 |
| Net loans and leases to core deposits | 88.0828% | 2,668 |
| Total domestic deposits to total assets | 90.9415% | 298 |
| Equity capital to assets | 8.8170% | 4,996 |
| Core capital (leverage) ratio | 7.9784% | 5,628 |
| Tier 1 risk-based capital ratio | 9.2269% | 5,840 |
| Total risk-based capital ratio | 10.4807% | 5,843 |
| Memoranda: | ||
| Average total assets | $212,993,800 | 2,824 |
| Average earning assets | $204,330,800 | 2,746 |
| Average equity | $20,781,200 | 3,090 |
| Average total loans | $155,351,000 | 2,576 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6521% | 1,181 |
| Cost of funding earning assets | 0.8067% | 492 |
| Net interest margin | 3.8455% | 2,175 |
| Noninterest income to average assets | 1.0199% | 1,106 |
| Noninterest expense to average assets | 4.1065% | 526 |
| Loan and lease loss provision to assets | 1.0231% | 100 |
| Net operating income to assets | -0.2912% | 5,821 |
| Return on assets (ROA) | -0.2886% | 5,828 |
| Pretax return on assets | -0.4160% | 5,841 |
| Return on Equity (ROE) | -2.8823% | 5,832 |
| Retained earnings to average equity (ytd only) | -2.8823% | 5,645 |
| Net charge-offs to loans | 0.8347% | 213 |
| Credit loss provision to net charge-offs | 170.4883% | 1,632 |
| Earnings coverage of net charge-offs (x) | 1.0053% | 3,739 |
| Efficiency ratio | 86.8930% | 744 |
| Assets per employee ($millions) | 4.4869% | 3,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6294% | 1,385 |
| Loan loss allowance to noncurrent loans | 46.1104% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 3.2244% | 336 |
| Noncurrent loans to loans | 3.5338% | 359 |
| Net loans and leases to total assets | 74.0571% | 1,862 |
| Net loans and leases to deposits | 81.9652% | 2,738 |
| Net loans and leases to core deposits | 86.8141% | 2,869 |
| Total domestic deposits to total assets | 90.3519% | 362 |
| Equity capital to assets | 9.5144% | 4,646 |
| Core capital (leverage) ratio | 8.8239% | 5,032 |
| Tier 1 risk-based capital ratio | 10.1196% | 5,753 |
| Total risk-based capital ratio | 11.3728% | 5,697 |
| Memoranda: | ||
| Average total assets | $209,290,000 | 2,878 |
| Average earning assets | $200,819,750 | 2,793 |
| Average equity | $20,955,000 | 3,096 |
| Average total loans | $150,462,500 | 2,635 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6261% | 1,215 |
| Cost of funding earning assets | 0.8002% | 494 |
| Net interest margin | 3.8259% | 2,222 |
| Noninterest income to average assets | 1.0905% | 945 |
| Noninterest expense to average assets | 4.1775% | 504 |
| Loan and lease loss provision to assets | 1.3228% | 71 |
| Net operating income to assets | -0.5026% | 5,921 |
| Return on assets (ROA) | -0.4986% | 5,926 |
| Pretax return on assets | -0.7329% | 5,952 |
| Return on Equity (ROE) | -4.8933% | 5,929 |
| Retained earnings to average equity (ytd only) | -4.8933% | 5,744 |
| Net charge-offs to loans | 1.1496% | 150 |
| Credit loss provision to net charge-offs | 162.7990% | 1,513 |
| Earnings coverage of net charge-offs (x) | 0.7189% | 3,490 |
| Efficiency ratio | 87.4464% | 758 |
| Assets per employee ($millions) | 4.2034% | 3,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6538% | 1,395 |
| Loan loss allowance to noncurrent loans | 121.6358% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 1.6231% | 1,130 |
| Noncurrent loans to loans | 1.3597% | 1,649 |
| Net loans and leases to total assets | 73.8533% | 1,872 |
| Net loans and leases to deposits | 82.4192% | 2,661 |
| Net loans and leases to core deposits | 87.6105% | 2,770 |
| Total domestic deposits to total assets | 89.6070% | 635 |
| Equity capital to assets | 10.1323% | 4,051 |
| Core capital (leverage) ratio | 9.1957% | 4,603 |
| Tier 1 risk-based capital ratio | 10.9676% | 5,436 |
| Total risk-based capital ratio | 12.2222% | 5,363 |
| Memoranda: | ||
| Average total assets | $205,768,000 | 2,921 |
| Average earning assets | $197,445,330 | 2,848 |
| Average equity | $20,967,330 | 3,099 |
| Average total loans | $145,444,670 | 2,703 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6119% | 1,235 |
| Cost of funding earning assets | 0.7872% | 525 |
| Net interest margin | 3.8247% | 2,204 |
| Noninterest income to average assets | 0.6690% | 2,174 |
| Noninterest expense to average assets | 3.9422% | 652 |
| Loan and lease loss provision to assets | 1.5092% | 57 |
| Net operating income to assets | -0.7429% | 6,007 |
| Return on assets (ROA) | -0.7429% | 6,009 |
| Pretax return on assets | -1.1066% | 6,025 |
| Return on Equity (ROE) | -7.2705% | 6,005 |
| Retained earnings to average equity (ytd only) | -7.2705% | 5,728 |
| Net charge-offs to loans | 1.8064% | 86 |
| Credit loss provision to net charge-offs | 122.0126% | 1,427 |
| Earnings coverage of net charge-offs (x) | 0.3255% | 2,939 |
| Efficiency ratio | 90.4208% | 647 |
| Assets per employee ($millions) | 4.2427% | 3,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4913% | 2,024 |
| Loan loss allowance to noncurrent loans | 145.3512% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 1.2237% | 1,782 |
| Noncurrent loans to loans | 1.0260% | 2,335 |
| Net loans and leases to total assets | 70.4819% | 2,269 |
| Net loans and leases to deposits | 78.7101% | 2,921 |
| Net loans and leases to core deposits | 83.8430% | 2,952 |
| Total domestic deposits to total assets | 89.5462% | 815 |
| Equity capital to assets | 10.2766% | 3,770 |
| Core capital (leverage) ratio | 9.1352% | 4,685 |
| Tier 1 risk-based capital ratio | 11.4872% | 5,241 |
| Total risk-based capital ratio | 12.7396% | 5,145 |
| Memoranda: | ||
| Average total assets | $205,669,500 | 2,931 |
| Average earning assets | $197,661,500 | 2,845 |
| Average equity | $21,016,500 | 3,098 |
| Average total loans | $140,832,000 | 2,769 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6045% | 1,320 |
| Cost of funding earning assets | 0.7566% | 619 |
| Net interest margin | 3.8479% | 2,207 |
| Noninterest income to average assets | 1.3635% | 647 |
| Noninterest expense to average assets | 4.3130% | 480 |
| Loan and lease loss provision to assets | 0.4556% | 264 |
| Net operating income to assets | 0.1662% | 5,647 |
| Return on assets (ROA) | 0.1662% | 5,698 |
| Pretax return on assets | 0.2951% | 5,530 |
| Return on Equity (ROE) | 1.5163% | 5,681 |
| Retained earnings to average equity (ytd only) | 1.5163% | 4,861 |
| Net charge-offs to loans | 0.5583% | 440 |
| Credit loss provision to net charge-offs | 118.6301% | 2,170 |
| Earnings coverage of net charge-offs (x) | 1.9548% | 4,001 |
| Efficiency ratio | 84.8743% | 1,101 |
| Assets per employee ($millions) | 4.4190% | 3,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 2,031 |
| Loan loss allowance to noncurrent loans | 163.1621% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.5999% | 3,281 |
| Noncurrent loans to loans | 0.9165% | 2,510 |
| Net loans and leases to total assets | 64.4819% | 3,201 |
| Net loans and leases to deposits | 71.9730% | 3,722 |
| Net loans and leases to core deposits | 76.4510% | 3,715 |
| Total domestic deposits to total assets | 89.5917% | 804 |
| Equity capital to assets | 10.1617% | 3,792 |
| Core capital (leverage) ratio | 9.3888% | 4,340 |
| Tier 1 risk-based capital ratio | 12.9935% | 4,320 |
| Total risk-based capital ratio | 14.2472% | 4,230 |
| Memoranda: | ||
| Average total assets | $190,097,800 | 3,054 |
| Average earning assets | $182,800,000 | 2,966 |
| Average equity | $20,839,600 | 3,091 |
| Average total loans | $130,755,400 | 2,878 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6459% | 1,219 |
| Cost of funding earning assets | 0.7525% | 637 |
| Net interest margin | 3.8934% | 2,053 |
| Noninterest income to average assets | 1.4539% | 582 |
| Noninterest expense to average assets | 4.4953% | 409 |
| Loan and lease loss provision to assets | 0.5306% | 188 |
| Net operating income to assets | 0.0840% | 5,870 |
| Return on assets (ROA) | 0.0840% | 5,909 |
| Pretax return on assets | 0.1687% | 5,826 |
| Return on Equity (ROE) | 0.7510% | 5,889 |
| Retained earnings to average equity (ytd only) | 0.7510% | 5,388 |
| Net charge-offs to loans | 0.6839% | 317 |
| Credit loss provision to net charge-offs | 111.2952% | 2,099 |
| Earnings coverage of net charge-offs (x) | 1.4669% | 3,828 |
| Efficiency ratio | 86.2336% | 989 |
| Assets per employee ($millions) | 4.5742% | 2,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5026% | 2,149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 62.8020% | 3,482 |
| Net loans and leases to deposits | 70.2098% | 3,960 |
| Net loans and leases to core deposits | 74.7452% | 3,932 |
| Total domestic deposits to total assets | 89.4490% | 799 |
| Equity capital to assets | 10.2070% | 3,924 |
| Core capital (leverage) ratio | 9.5530% | 4,233 |
| Tier 1 risk-based capital ratio | 13.4664% | 4,156 |
| Total risk-based capital ratio | 14.7217% | 4,085 |
| Memoranda: | ||
| Average total assets | $185,699,500 | 3,130 |
| Average earning assets | $178,419,250 | 3,044 |
| Average equity | $20,773,250 | 3,124 |
| Average total loans | $129,455,250 | 2,913 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7589% | 974 |
| Cost of funding earning assets | 0.7509% | 640 |
| Net interest margin | 4.0081% | 1,621 |
| Noninterest income to average assets | 1.4929% | 570 |
| Noninterest expense to average assets | 4.5132% | 419 |
| Loan and lease loss provision to assets | 0.8235% | 96 |
| Net operating income to assets | -0.0279% | 6,012 |
| Return on assets (ROA) | -0.0279% | 6,045 |
| Pretax return on assets | 0.0034% | 6,014 |
| Return on Equity (ROE) | -0.2416% | 6,044 |
| Retained earnings to average equity (ytd only) | -0.2416% | 5,554 |
| Net charge-offs to loans | 1.0337% | 201 |
| Credit loss provision to net charge-offs | 110.6607% | 1,915 |
| Earnings coverage of net charge-offs (x) | 1.1111% | 3,578 |
| Efficiency ratio | 84.2226% | 1,236 |
| Assets per employee ($millions) | 4.4021% | 3,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5190% | 2,214 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 65.8718% | 2,976 |
| Net loans and leases to deposits | 73.9651% | 3,495 |
| Net loans and leases to core deposits | 78.4980% | 3,530 |
| Total domestic deposits to total assets | 89.0579% | 1,114 |
| Equity capital to assets | 10.7438% | 3,173 |
| Core capital (leverage) ratio | 9.9722% | 3,648 |
| Tier 1 risk-based capital ratio | 13.7103% | 4,090 |
| Total risk-based capital ratio | 14.9666% | 4,027 |
| Memoranda: | ||
| Average total assets | $178,986,330 | 3,229 |
| Average earning assets | $171,804,000 | 3,140 |
| Average equity | $20,694,330 | 3,143 |
| Average total loans | $128,859,330 | 2,933 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7688% | 910 |
| Cost of funding earning assets | 0.7479% | 666 |
| Net interest margin | 4.0210% | 1,492 |
| Noninterest income to average assets | 1.0837% | 964 |
| Noninterest expense to average assets | 4.7100% | 368 |
| Loan and lease loss provision to assets | 1.6151% | 39 |
| Net operating income to assets | -0.9625% | 6,317 |
| Return on assets (ROA) | -0.9625% | 6,321 |
| Pretax return on assets | -1.3820% | 6,341 |
| Return on Equity (ROE) | -8.0052% | 6,302 |
| Retained earnings to average equity (ytd only) | -8.0052% | 6,079 |
| Net charge-offs to loans | -0.0031% | 4,401 |
| Credit loss provision to net charge-offs | -69,300.0000% | 5,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9552% | 548 |
| Assets per employee ($millions) | 3.9726% | 4,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9916% | 1,101 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 71.3228% | 1,929 |
| Net loans and leases to deposits | 81.2256% | 2,422 |
| Net loans and leases to core deposits | 86.1548% | 2,532 |
| Total domestic deposits to total assets | 87.8083% | 1,926 |
| Equity capital to assets | 11.4500% | 2,516 |
| Core capital (leverage) ratio | 10.5255% | 2,928 |
| Tier 1 risk-based capital ratio | 13.6096% | 4,274 |
| Total risk-based capital ratio | 14.8678% | 4,179 |
| Memoranda: | ||
| Average total assets | $171,633,000 | 3,334 |
| Average earning assets | $164,737,000 | 3,257 |
| Average equity | $20,636,500 | 3,173 |
| Average total loans | $128,510,500 | 2,936 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1833% | 535 |
| Cost of funding earning assets | 0.6973% | 1,125 |
| Net interest margin | 4.4861% | 770 |
| Noninterest income to average assets | 1.3888% | 631 |
| Noninterest expense to average assets | 4.7116% | 387 |
| Loan and lease loss provision to assets | 0.2351% | 1,020 |
| Net operating income to assets | 0.4684% | 4,928 |
| Return on assets (ROA) | 0.4710% | 5,021 |
| Pretax return on assets | 0.7355% | 4,491 |
| Return on Equity (ROE) | 3.7691% | 5,208 |
| Retained earnings to average equity (ytd only) | 3.7691% | 3,536 |
| Net charge-offs to loans | 0.0552% | 3,728 |
| Credit loss provision to net charge-offs | 533.3333% | 496 |
| Earnings coverage of net charge-offs (x) | 21.9242% | 1,648 |
| Efficiency ratio | 82.6353% | 1,578 |
| Assets per employee ($millions) | 3.4999% | 4,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4946% | 2,510 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 76.0075% | 1,263 |
| Net loans and leases to deposits | 88.4167% | 1,688 |
| Net loans and leases to core deposits | 95.0820% | 1,804 |
| Total domestic deposits to total assets | 85.9651% | 2,860 |
| Equity capital to assets | 12.6470% | 1,569 |
| Core capital (leverage) ratio | 11.1065% | 2,310 |
| Tier 1 risk-based capital ratio | 13.9557% | 4,121 |
| Total risk-based capital ratio | 15.2084% | 4,051 |
| Memoranda: | ||
| Average total assets | $149,695,000 | 3,637 |
| Average earning assets | $143,132,400 | 3,551 |
| Average equity | $18,704,800 | 3,326 |
| Average total loans | $119,552,800 | 3,052 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2464% | 476 |
| Cost of funding earning assets | 0.6913% | 1,193 |
| Net interest margin | 4.5551% | 681 |
| Noninterest income to average assets | 1.3023% | 717 |
| Noninterest expense to average assets | 4.4448% | 489 |
| Loan and lease loss provision to assets | 0.3078% | 627 |
| Net operating income to assets | 0.5755% | 4,563 |
| Return on assets (ROA) | 0.5790% | 4,627 |
| Pretax return on assets | 0.9059% | 3,955 |
| Return on Equity (ROE) | 4.6497% | 4,877 |
| Retained earnings to average equity (ytd only) | 4.6497% | 3,325 |
| Net charge-offs to loans | 0.0782% | 3,085 |
| Credit loss provision to net charge-offs | 488.4058% | 585 |
| Earnings coverage of net charge-offs (x) | 19.1735% | 1,800 |
| Efficiency ratio | 78.2714% | 2,146 |
| Assets per employee ($millions) | 3.4800% | 4,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5126% | 2,645 |
| Loan loss allowance to noncurrent loans | 13,421.4286% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 6,150 |
| Noncurrent loans to loans | 0.0113% | 5,991 |
| Net loans and leases to total assets | 79.8983% | 722 |
| Net loans and leases to deposits | 94.1324% | 1,029 |
| Net loans and leases to core deposits | 99.1241% | 1,440 |
| Total domestic deposits to total assets | 84.8786% | 3,390 |
| Equity capital to assets | 12.6044% | 1,635 |
| Core capital (leverage) ratio | 10.9487% | 2,538 |
| Tier 1 risk-based capital ratio | 12.6016% | 5,112 |
| Total risk-based capital ratio | 13.8539% | 5,030 |
| Memoranda: | ||
| Average total assets | $145,994,500 | 3,729 |
| Average earning assets | $139,445,750 | 3,641 |
| Average equity | $18,180,000 | 3,395 |
| Average total loans | $117,709,250 | 3,104 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2674% | 457 |
| Cost of funding earning assets | 0.6737% | 1,348 |
| Net interest margin | 4.5936% | 594 |
| Noninterest income to average assets | 0.9929% | 1,223 |
| Noninterest expense to average assets | 4.3462% | 526 |
| Loan and lease loss provision to assets | 0.3802% | 453 |
| Net operating income to assets | 0.4124% | 5,165 |
| Return on assets (ROA) | 0.4178% | 5,230 |
| Pretax return on assets | 0.6615% | 4,763 |
| Return on Equity (ROE) | 3.3695% | 5,395 |
| Retained earnings to average equity (ytd only) | 3.3695% | 4,057 |
| Net charge-offs to loans | 0.0675% | 3,029 |
| Credit loss provision to net charge-offs | 700.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 19.0256% | 1,646 |
| Efficiency ratio | 80.4297% | 1,956 |
| Assets per employee ($millions) | 3.7877% | 4,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4885% | 2,958 |
| Loan loss allowance to noncurrent loans | 12,300.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 6,219 |
| Noncurrent loans to loans | 0.0121% | 6,050 |
| Net loans and leases to total assets | 80.5963% | 617 |
| Net loans and leases to deposits | 94.8405% | 895 |
| Net loans and leases to core deposits | 101.1271% | 1,197 |
| Total domestic deposits to total assets | 84.9809% | 3,522 |
| Equity capital to assets | 11.9130% | 2,055 |
| Core capital (leverage) ratio | 10.1206% | 3,444 |
| Tier 1 risk-based capital ratio | 11.6185% | 5,732 |
| Total risk-based capital ratio | 12.8710% | 5,683 |
| Memoranda: | ||
| Average total assets | $143,619,000 | 3,787 |
| Average earning assets | $137,146,330 | 3,689 |
| Average equity | $17,806,670 | 3,436 |
| Average total loans | $115,539,000 | 3,143 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0860% | 610 |
| Cost of funding earning assets | 0.6631% | 1,490 |
| Net interest margin | 4.4229% | 766 |
| Noninterest income to average assets | 1.0739% | 967 |
| Noninterest expense to average assets | 4.3845% | 508 |
| Loan and lease loss provision to assets | 0.4238% | 393 |
| Net operating income to assets | 0.3051% | 5,472 |
| Return on assets (ROA) | 0.3179% | 5,480 |
| Pretax return on assets | 0.5069% | 5,152 |
| Return on Equity (ROE) | 2.5105% | 5,623 |
| Retained earnings to average equity (ytd only) | 2.5105% | 4,565 |
| Net charge-offs to loans | 0.0898% | 2,265 |
| Credit loss provision to net charge-offs | 592.0000% | 479 |
| Earnings coverage of net charge-offs (x) | 12.7200% | 1,700 |
| Efficiency ratio | 82.4229% | 1,874 |
| Assets per employee ($millions) | 3.6461% | 4,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4865% | 3,198 |
| Loan loss allowance to noncurrent loans | 10,200.0000% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 6,293 |
| Noncurrent loans to loans | 0.0146% | 6,124 |
| Net loans and leases to total assets | 78.7938% | 678 |
| Net loans and leases to deposits | 92.0609% | 949 |
| Net loans and leases to core deposits | 98.3533% | 1,214 |
| Total domestic deposits to total assets | 85.5887% | 3,565 |
| Equity capital to assets | 12.1959% | 1,747 |
| Core capital (leverage) ratio | 10.3084% | 3,166 |
| Tier 1 risk-based capital ratio | 12.0288% | 5,626 |
| Total risk-based capital ratio | 13.2815% | 5,555 |
| Memoranda: | ||
| Average total assets | $139,675,000 | 3,885 |
| Average earning assets | $133,307,000 | 3,775 |
| Average equity | $17,685,500 | 3,456 |
| Average total loans | $111,331,500 | 3,235 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1804% | 672 |
| Cost of funding earning assets | 0.6222% | 2,462 |
| Net interest margin | 4.5582% | 658 |
| Noninterest income to average assets | 0.7912% | 2,122 |
| Noninterest expense to average assets | 5.3525% | 271 |
| Loan and lease loss provision to assets | 1.0534% | 166 |
| Net operating income to assets | -0.9104% | 6,591 |
| Return on assets (ROA) | -0.9074% | 6,591 |
| Pretax return on assets | -1.3492% | 6,650 |
| Return on Equity (ROE) | -6.6180% | 6,526 |
| Retained earnings to average equity (ytd only) | -6.6180% | 6,437 |
| Net charge-offs to loans | 0.3246% | 2,057 |
| Credit loss provision to net charge-offs | 453.5156% | 507 |
| Earnings coverage of net charge-offs (x) | -1.2930% | 5,285 |
| Efficiency ratio | 105.4239% | 347 |
| Assets per employee ($millions) | 3.6083% | 4,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5187% | 3,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 78.2010% | 804 |
| Net loans and leases to deposits | 93.1355% | 945 |
| Net loans and leases to core deposits | 100.2795% | 1,135 |
| Total domestic deposits to total assets | 83.9648% | 4,184 |
| Equity capital to assets | 13.1709% | 1,201 |
| Core capital (leverage) ratio | 11.1472% | 2,240 |
| Tier 1 risk-based capital ratio | 13.1428% | 4,894 |
| Total risk-based capital ratio | 14.3959% | 4,832 |
| Memoranda: | ||
| Average total assets | $110,210,000 | 4,494 |
| Average earning assets | $103,022,400 | 4,436 |
| Average equity | $15,110,200 | 3,845 |
| Average total loans | $78,854,800 | 3,971 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9984% | 952 |
| Cost of funding earning assets | 0.5880% | 2,919 |
| Net interest margin | 4.4103% | 871 |
| Noninterest income to average assets | 0.7421% | 2,403 |
| Noninterest expense to average assets | 5.3773% | 268 |
| Loan and lease loss provision to assets | 1.2607% | 110 |
| Net operating income to assets | -1.2019% | 6,731 |
| Return on assets (ROA) | -1.2019% | 6,730 |
| Pretax return on assets | -1.7959% | 6,786 |
| Return on Equity (ROE) | -8.6576% | 6,670 |
| Retained earnings to average equity (ytd only) | -8.6576% | 6,609 |
| Net charge-offs to loans | 0.4773% | 1,348 |
| Credit loss provision to net charge-offs | 382.5581% | 693 |
| Earnings coverage of net charge-offs (x) | -1.6240% | 5,058 |
| Efficiency ratio | 110.4722% | 262 |
| Assets per employee ($millions) | 3.2836% | 5,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5398% | 3,280 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 73.5372% | 1,359 |
| Net loans and leases to deposits | 87.2114% | 1,467 |
| Net loans and leases to core deposits | 92.1597% | 1,757 |
| Total domestic deposits to total assets | 84.3206% | 4,058 |
| Equity capital to assets | 12.6965% | 1,479 |
| Core capital (leverage) ratio | 10.4830% | 3,021 |
| Tier 1 risk-based capital ratio | 12.8544% | 5,220 |
| Total risk-based capital ratio | 14.1069% | 5,162 |
| Memoranda: | ||
| Average total assets | $104,386,000 | 4,684 |
| Average earning assets | $97,042,750 | 4,640 |
| Average equity | $14,491,750 | 4,017 |
| Average total loans | $72,065,250 | 4,226 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7380% | 1,467 |
| Cost of funding earning assets | 0.5581% | 3,336 |
| Net interest margin | 4.1799% | 1,332 |
| Noninterest income to average assets | 0.8341% | 2,049 |
| Noninterest expense to average assets | 5.6645% | 242 |
| Loan and lease loss provision to assets | 1.5145% | 83 |
| Net operating income to assets | -1.6621% | 6,824 |
| Return on assets (ROA) | -1.6621% | 6,826 |
| Pretax return on assets | -2.4921% | 6,870 |
| Return on Equity (ROE) | -11.5513% | 6,764 |
| Retained earnings to average equity (ytd only) | -11.5513% | 6,701 |
| Net charge-offs to loans | 0.6921% | 947 |
| Credit loss provision to net charge-offs | 328.4444% | 793 |
| Earnings coverage of net charge-offs (x) | -2.1200% | 4,775 |
| Efficiency ratio | 120.2449% | 182 |
| Assets per employee ($millions) | 2.9686% | 5,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7105% | 2,741 |
| Loan loss allowance to noncurrent loans | 2,975.6098% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 6,401 |
| Noncurrent loans to loans | 0.0575% | 6,217 |
| Net loans and leases to total assets | 63.8273% | 2,942 |
| Net loans and leases to deposits | 78.0864% | 2,563 |
| Net loans and leases to core deposits | 83.5710% | 2,616 |
| Total domestic deposits to total assets | 81.7393% | 5,132 |
| Equity capital to assets | 14.4514% | 834 |
| Core capital (leverage) ratio | 12.1052% | 1,562 |
| Tier 1 risk-based capital ratio | 17.1320% | 2,664 |
| Total risk-based capital ratio | 18.3877% | 2,637 |
| Memoranda: | ||
| Average total assets | $97,589,670 | 4,868 |
| Average earning assets | $89,953,670 | 4,848 |
| Average equity | $14,041,670 | 4,142 |
| Average total loans | $65,023,330 | 4,500 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8595% | 1,180 |
| Cost of funding earning assets | 0.5138% | 3,937 |
| Net interest margin | 4.3457% | 888 |
| Noninterest income to average assets | 0.5510% | 3,437 |
| Noninterest expense to average assets | 5.8645% | 221 |
| Loan and lease loss provision to assets | 0.1093% | 2,876 |
| Net operating income to assets | -0.9796% | 6,803 |
| Return on assets (ROA) | -0.9796% | 6,816 |
| Pretax return on assets | -1.4650% | 6,873 |
| Return on Equity (ROE) | -6.8261% | 6,740 |
| Retained earnings to average equity (ytd only) | -6.8261% | 6,464 |
| Net charge-offs to loans | 0.1616% | 2,432 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | -12.4000% | 4,108 |
| Efficiency ratio | 129.3889% | 155 |
| Assets per employee ($millions) | 2.9213% | 6,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0684% | 5,721 |
| Loan loss allowance to noncurrent loans | 130.2583% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.5301% | 5,068 |
| Noncurrent loans to loans | 0.8202% | 4,481 |
| Net loans and leases to total assets | 63.9421% | 2,717 |
| Net loans and leases to deposits | 77.6080% | 2,399 |
| Net loans and leases to core deposits | 83.5670% | 2,378 |
| Total domestic deposits to total assets | 82.3911% | 5,061 |
| Equity capital to assets | 13.4688% | 1,220 |
| Core capital (leverage) ratio | 10.8668% | 2,382 |
| Tier 1 risk-based capital ratio | 16.0482% | 3,235 |
| Total risk-based capital ratio | 17.1333% | 3,296 |
| Memoranda: | ||
| Average total assets | $91,466,000 | 5,066 |
| Average earning assets | $83,301,500 | 5,058 |
| Average equity | $13,126,000 | 4,360 |
| Average total loans | $61,872,000 | 4,638 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6417% | 2,836 |
| Cost of funding earning assets | 0.3814% | 6,043 |
| Net interest margin | 4.2603% | 1,493 |
| Noninterest income to average assets | 1.3302% | 873 |
| Noninterest expense to average assets | 6.6584% | 166 |
| Loan and lease loss provision to assets | 0.3097% | 2,202 |
| Net operating income to assets | -1.1507% | 6,783 |
| Return on assets (ROA) | -1.0046% | 6,763 |
| Pretax return on assets | -1.4901% | 6,843 |
| Return on Equity (ROE) | -6.6508% | 6,643 |
| Retained earnings to average equity (ytd only) | -6.6508% | 6,510 |
| Net charge-offs to loans | 0.1277% | 4,408 |
| Credit loss provision to net charge-offs | 387.2727% | 624 |
| Earnings coverage of net charge-offs (x) | -17.4909% | 5,958 |
| Efficiency ratio | 124.8756% | 177 |
| Assets per employee ($millions) | 2.5215% | 6,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 4,998 |
| Loan loss allowance to noncurrent loans | 59.3277% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 1.4748% | 3,172 |
| Noncurrent loans to loans | 2.0638% | 2,621 |
| Net loans and leases to total assets | 70.5867% | 1,733 |
| Net loans and leases to deposits | 89.2460% | 1,139 |
| Net loans and leases to core deposits | 97.2310% | 1,204 |
| Total domestic deposits to total assets | 79.0923% | 5,866 |
| Equity capital to assets | 15.4682% | 638 |
| Core capital (leverage) ratio | 12.3740% | 1,371 |
| Tier 1 risk-based capital ratio | 16.7217% | 2,784 |
| Total risk-based capital ratio | 17.9481% | 2,766 |
| Memoranda: | ||
| Average total assets | $68,785,200 | 5,658 |
| Average earning assets | $63,446,200 | 5,624 |
| Average equity | $10,389,800 | 4,894 |
| Average total loans | $43,074,400 | 5,375 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4056% | 4,023 |
| Cost of funding earning assets | 0.3476% | 6,387 |
| Net interest margin | 4.0579% | 2,268 |
| Noninterest income to average assets | 1.2136% | 1,018 |
| Noninterest expense to average assets | 6.5825% | 165 |
| Loan and lease loss provision to assets | 0.4315% | 1,469 |
| Net operating income to assets | -1.3661% | 6,938 |
| Return on assets (ROA) | -1.2440% | 6,938 |
| Pretax return on assets | -1.8578% | 7,015 |
| Return on Equity (ROE) | -8.2968% | 6,822 |
| Retained earnings to average equity (ytd only) | -8.2968% | 6,762 |
| Net charge-offs to loans | 0.1860% | 3,628 |
| Credit loss provision to net charge-offs | 387.2727% | 697 |
| Earnings coverage of net charge-offs (x) | -14.4367% | 5,745 |
| Efficiency ratio | 130.5499% | 145 |
| Assets per employee ($millions) | 2.4053% | 6,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5703% | 3,645 |
| Loan loss allowance to noncurrent loans | 130.0184% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.7055% | 4,923 |
| Noncurrent loans to loans | 1.2078% | 4,037 |
| Net loans and leases to total assets | 57.4953% | 4,204 |
| Net loans and leases to deposits | 70.4452% | 3,835 |
| Net loans and leases to core deposits | 71.6717% | 4,296 |
| Total domestic deposits to total assets | 81.6170% | 5,158 |
| Equity capital to assets | 13.0197% | 1,585 |
| Core capital (leverage) ratio | 9.5640% | 4,174 |
| Tier 1 risk-based capital ratio | 15.8018% | 3,375 |
| Total risk-based capital ratio | 17.0623% | 3,337 |
| Memoranda: | ||
| Average total assets | $65,809,500 | 5,815 |
| Average earning assets | $60,982,000 | 5,770 |
| Average equity | $9,867,000 | 5,054 |
| Average total loans | $39,427,750 | 5,601 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3676% | 4,315 |
| Cost of funding earning assets | 0.3622% | 6,459 |
| Net interest margin | 4.0054% | 2,481 |
| Noninterest income to average assets | 0.5701% | 3,448 |
| Noninterest expense to average assets | 6.6162% | 167 |
| Loan and lease loss provision to assets | 0.6861% | 813 |
| Net operating income to assets | -3.0279% | 7,157 |
| Return on assets (ROA) | -2.9828% | 7,161 |
| Pretax return on assets | -2.9828% | 7,150 |
| Return on Equity (ROE) | -18.8678% | 7,026 |
| Retained earnings to average equity (ytd only) | -18.8678% | 6,999 |
| Net charge-offs to loans | -0.0053% | 6,172 |
| Credit loss provision to net charge-offs | -21,300.0000% | 6,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 153.7302% | 93 |
| Assets per employee ($millions) | 2.5852% | 6,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8964% | 2,571 |
| Loan loss allowance to noncurrent loans | 126.3682% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.9330% | 4,505 |
| Noncurrent loans to loans | 1.5007% | 3,653 |
| Net loans and leases to total assets | 60.9933% | 3,629 |
| Net loans and leases to deposits | 71.6727% | 3,657 |
| Net loans and leases to core deposits | 74.1396% | 4,017 |
| Total domestic deposits to total assets | 85.0998% | 3,813 |
| Equity capital to assets | 14.6464% | 870 |
| Core capital (leverage) ratio | 11.4246% | 1,945 |
| Tier 1 risk-based capital ratio | 17.2708% | 2,558 |
| Total risk-based capital ratio | 18.5292% | 2,521 |
| Memoranda: | ||
| Average total assets | $62,090,000 | 5,976 |
| Average earning assets | $57,422,670 | 5,928 |
| Average equity | $9,815,670 | 5,070 |
| Average total loans | $37,584,000 | 5,703 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1565% | 5,257 |
| Cost of funding earning assets | 0.3630% | 6,583 |
| Net interest margin | 3.7935% | 3,419 |
| Noninterest income to average assets | 0.1710% | 6,355 |
| Noninterest expense to average assets | 6.5702% | 166 |
| Loan and lease loss provision to assets | 1.4009% | 260 |
| Net operating income to assets | -4.2946% | 7,262 |
| Return on assets (ROA) | -4.2946% | 7,261 |
| Pretax return on assets | -4.2946% | 7,257 |
| Return on Equity (ROE) | -26.1448% | 7,151 |
| Retained earnings to average equity (ytd only) | -26.1448% | 7,108 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 177.4597% | 58 |
| Assets per employee ($millions) | 3.0888% | 5,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1042% | 2,094 |
| Loan loss allowance to noncurrent loans | 103.3967% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 1.1914% | 4,137 |
| Noncurrent loans to loans | 2.0351% | 3,104 |
| Net loans and leases to total assets | 57.3119% | 4,160 |
| Net loans and leases to deposits | 68.1337% | 4,037 |
| Net loans and leases to core deposits | 70.9690% | 4,295 |
| Total domestic deposits to total assets | 84.1168% | 4,433 |
| Equity capital to assets | 15.6469% | 629 |
| Core capital (leverage) ratio | 12.4229% | 1,373 |
| Tier 1 risk-based capital ratio | 18.5711% | 2,122 |
| Total risk-based capital ratio | 19.8276% | 2,087 |
| Memoranda: | ||
| Average total assets | $60,820,000 | 6,043 |
| Average earning assets | $56,201,500 | 5,999 |
| Average equity | $9,990,500 | 5,047 |
| Average total loans | $36,285,000 | 5,810 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4401% | 5,280 |
| Cost of funding earning assets | 0.4510% | 6,730 |
| Net interest margin | 3.9891% | 2,939 |
| Noninterest income to average assets | 2.0895% | 349 |
| Noninterest expense to average assets | 5.8406% | 228 |
| Loan and lease loss provision to assets | 1.1648% | 768 |
| Net operating income to assets | -1.2232% | 6,830 |
| Return on assets (ROA) | -1.2232% | 6,853 |
| Pretax return on assets | -1.2232% | 6,822 |
| Return on Equity (ROE) | -6.2142% | 6,592 |
| Retained earnings to average equity (ytd only) | -6.2142% | 6,523 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3249% | 658 |
| Assets per employee ($millions) | 2.8507% | 6,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5053% | 3,995 |
| Loan loss allowance to noncurrent loans | 207.5758% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.4410% | 5,861 |
| Noncurrent loans to loans | 0.7252% | 5,248 |
| Net loans and leases to total assets | 59.8958% | 4,012 |
| Net loans and leases to deposits | 75.0644% | 3,335 |
| Net loans and leases to core deposits | 77.5953% | 3,732 |
| Total domestic deposits to total assets | 79.7925% | 5,800 |
| Equity capital to assets | 17.2307% | 422 |
| Core capital (leverage) ratio | 14.4764% | 720 |
| Tier 1 risk-based capital ratio | 20.1910% | 1,595 |
| Total risk-based capital ratio | 21.4424% | 1,566 |
| Memoranda: | ||
| Average total assets | $47,906,000 | 6,428 |
| Average earning assets | $44,346,000 | 6,377 |
| Average equity | $9,430,000 | 5,171 |
| Average total loans | $31,413,800 | 6,099 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4854% | 5,292 |
| Cost of funding earning assets | 0.4806% | 6,782 |
| Net interest margin | 4.0048% | 2,899 |
| Noninterest income to average assets | 2.3836% | 284 |
| Noninterest expense to average assets | 5.8834% | 214 |
| Loan and lease loss provision to assets | 1.6564% | 387 |
| Net operating income to assets | -1.4456% | 7,030 |
| Return on assets (ROA) | -1.4456% | 7,042 |
| Pretax return on assets | -1.4456% | 7,003 |
| Return on Equity (ROE) | -7.0511% | 6,771 |
| Retained earnings to average equity (ytd only) | -7.0511% | 6,708 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9571% | 822 |
| Assets per employee ($millions) | 2.9216% | 6,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7125% | 3,230 |
| Loan loss allowance to noncurrent loans | 203.7175% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.4604% | 5,940 |
| Noncurrent loans to loans | 0.8406% | 5,196 |
| Net loans and leases to total assets | 53.8276% | 5,187 |
| Net loans and leases to deposits | 68.1857% | 4,569 |
| Net loans and leases to core deposits | 69.7801% | 4,972 |
| Total domestic deposits to total assets | 78.9427% | 5,997 |
| Equity capital to assets | 17.8501% | 411 |
| Core capital (leverage) ratio | 17.2497% | 376 |
| Tier 1 risk-based capital ratio | 23.8874% | 1,021 |
| Total risk-based capital ratio | 25.1396% | 1,008 |
| Memoranda: | ||
| Average total assets | $44,916,500 | 6,560 |
| Average earning assets | $41,615,500 | 6,525 |
| Average equity | $9,208,750 | 5,257 |
| Average total loans | $30,166,250 | 6,209 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8075% | 4,075 |
| Cost of funding earning assets | 0.5735% | 6,569 |
| Net interest margin | 4.2340% | 1,902 |
| Noninterest income to average assets | 3.8355% | 173 |
| Noninterest expense to average assets | 6.1269% | 187 |
| Loan and lease loss provision to assets | 2.3162% | 234 |
| Net operating income to assets | -0.6978% | 6,815 |
| Return on assets (ROA) | -0.6978% | 6,823 |
| Pretax return on assets | -0.6978% | 6,768 |
| Return on Equity (ROE) | -3.2039% | 6,607 |
| Retained earnings to average equity (ytd only) | -3.2039% | 6,399 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6581% | 2,602 |
| Assets per employee ($millions) | 3.3455% | 5,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4997% | 4,137 |
| Loan loss allowance to noncurrent loans | 167.1533% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.6300% | 5,659 |
| Noncurrent loans to loans | 0.8972% | 5,170 |
| Net loans and leases to total assets | 69.1660% | 2,382 |
| Net loans and leases to deposits | 98.0284% | 593 |
| Net loans and leases to core deposits | 98.0284% | 1,502 |
| Total domestic deposits to total assets | 70.5571% | 7,082 |
| Equity capital to assets | 24.7798% | 128 |
| Core capital (leverage) ratio | 20.5585% | 200 |
| Tier 1 risk-based capital ratio | 28.4955% | 623 |
| Total risk-based capital ratio | 29.7476% | 610 |
| Memoranda: | ||
| Average total assets | $40,411,670 | 6,774 |
| Average earning assets | $37,316,670 | 6,749 |
| Average equity | $8,801,670 | 5,379 |
| Average total loans | $29,555,000 | 6,306 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9308% | 3,415 |
| Cost of funding earning assets | 0.6919% | 6,177 |
| Net interest margin | 4.2390% | 1,787 |
| Noninterest income to average assets | 2.7989% | 241 |
| Noninterest expense to average assets | 5.8140% | 214 |
| Loan and lease loss provision to assets | 0.1029% | 4,724 |
| Net operating income to assets | 0.8541% | 2,758 |
| Return on assets (ROA) | 0.8541% | 2,822 |
| Pretax return on assets | 0.8541% | 3,688 |
| Return on Equity (ROE) | 4.2488% | 4,774 |
| Retained earnings to average equity (ytd only) | 4.2488% | 3,624 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7143% | 1,740 |
| Assets per employee ($millions) | 4.7077% | 2,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,503 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,079 |
| Noncurrent assets plus other real estate owned to assets | 0.6585% | 5,643 |
| Noncurrent loans to loans | 0.9845% | 5,070 |
| Net loans and leases to total assets | 66.8838% | 2,790 |
| Net loans and leases to deposits | 94.3436% | 797 |
| Net loans and leases to core deposits | 94.3436% | 1,849 |
| Total domestic deposits to total assets | 70.8938% | 7,140 |
| Equity capital to assets | 24.3126% | 128 |
| Core capital (leverage) ratio | 24.3126% | 116 |
| Tier 1 risk-based capital ratio | 34.8560% | 354 |
| Total risk-based capital ratio | 34.8560% | 378 |
| Memoranda: | ||
| Average total assets | $38,872,000 | 6,874 |
| Average earning assets | $36,424,000 | 6,833 |
| Average equity | $7,814,000 | 5,676 |
| Average total loans | $29,063,000 | 6,369 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3513% | 2,891 |
| Cost of funding earning assets | 0.8279% | 6,452 |
| Net interest margin | 4.5234% | 1,177 |
| Noninterest income to average assets | 0.5069% | 4,117 |
| Noninterest expense to average assets | 4.5591% | 612 |
| Loan and lease loss provision to assets | 0.6350% | 2,593 |
| Net operating income to assets | -0.3203% | 6,236 |
| Return on assets (ROA) | -0.3203% | 6,276 |
| Pretax return on assets | -0.3203% | 6,178 |
| Return on Equity (ROE) | -2.1296% | 6,185 |
| Retained earnings to average equity (ytd only) | -2.1296% | 5,983 |
| Net charge-offs to loans | 0.0429% | 6,374 |
| Credit loss provision to net charge-offs | 1,753.8462% | 132 |
| Earnings coverage of net charge-offs (x) | 8.6923% | 1,934 |
| Efficiency ratio | 93.0857% | 1,114 |
| Assets per employee ($millions) | 3.9306% | 3,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3499% | 1,616 |
| Loan loss allowance to noncurrent loans | 167.0644% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 1.1845% | 4,646 |
| Noncurrent loans to loans | 1.4066% | 4,376 |
| Net loans and leases to total assets | 82.2276% | 434 |
| Net loans and leases to deposits | 103.8375% | 411 |
| Net loans and leases to core deposits | 103.8375% | 1,328 |
| Total domestic deposits to total assets | 79.1887% | 6,036 |
| Equity capital to assets | 15.0587% | 770 |
| Core capital (leverage) ratio | 15.0587% | 656 |
| Tier 1 risk-based capital ratio | 19.0570% | 1,705 |
| Total risk-based capital ratio | 20.3234% | 1,666 |
| Memoranda: | ||
| Average total assets | $35,906,200 | 7,013 |
| Average earning assets | $34,664,200 | 6,927 |
| Average equity | $5,400,000 | 6,537 |
| Average total loans | $30,302,800 | 6,380 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3017% | 3,350 |
| Cost of funding earning assets | 0.8274% | 6,665 |
| Net interest margin | 4.4743% | 1,316 |
| Noninterest income to average assets | 0.6178% | 3,334 |
| Noninterest expense to average assets | 4.6282% | 518 |
| Loan and lease loss provision to assets | 0.3626% | 3,720 |
| Net operating income to assets | -0.0518% | 6,104 |
| Return on assets (ROA) | -0.0518% | 6,218 |
| Pretax return on assets | -0.0518% | 6,170 |
| Return on Equity (ROE) | -0.3446% | 6,191 |
| Retained earnings to average equity (ytd only) | -0.3446% | 5,872 |
| Net charge-offs to loans | 0.0569% | 5,948 |
| Credit loss provision to net charge-offs | 753.8462% | 393 |
| Earnings coverage of net charge-offs (x) | 6.4628% | 2,520 |
| Efficiency ratio | 93.2584% | 1,039 |
| Assets per employee ($millions) | 4.2268% | 3,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8716% | 2,568 |
| Loan loss allowance to noncurrent loans | 195.2055% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.7676% | 5,568 |
| Noncurrent loans to loans | 0.9588% | 5,314 |
| Net loans and leases to total assets | 78.5600% | 947 |
| Net loans and leases to deposits | 97.7944% | 811 |
| Net loans and leases to core deposits | 104.6430% | 1,430 |
| Total domestic deposits to total assets | 80.3317% | 5,602 |
| Equity capital to assets | 14.2688% | 1,095 |
| Core capital (leverage) ratio | 14.2688% | 870 |
| Tier 1 risk-based capital ratio | 19.4601% | 1,652 |
| Total risk-based capital ratio | 20.7185% | 1,619 |
| Memoranda: | ||
| Average total assets | $36,039,000 | 7,095 |
| Average earning assets | $34,805,500 | 7,003 |
| Average equity | $5,418,250 | 6,612 |
| Average total loans | $30,431,500 | 6,456 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3109% | 3,417 |
| Cost of funding earning assets | 0.8617% | 6,723 |
| Net interest margin | 4.4492% | 1,319 |
| Noninterest income to average assets | 0.7011% | 2,697 |
| Noninterest expense to average assets | 4.6365% | 505 |
| Loan and lease loss provision to assets | 0.5315% | 2,658 |
| Net operating income to assets | -0.1753% | 6,326 |
| Return on assets (ROA) | -0.1753% | 6,381 |
| Pretax return on assets | -0.1753% | 6,317 |
| Return on Equity (ROE) | -1.1450% | 6,338 |
| Retained earnings to average equity (ytd only) | -1.1450% | 6,003 |
| Net charge-offs to loans | 0.0855% | 5,287 |
| Credit loss provision to net charge-offs | 723.0769% | 518 |
| Earnings coverage of net charge-offs (x) | 4.8462% | 2,825 |
| Efficiency ratio | 92.4122% | 1,166 |
| Assets per employee ($millions) | 3.8929% | 3,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7767% | 2,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 80.3797% | 743 |
| Net loans and leases to deposits | 99.4786% | 768 |
| Net loans and leases to core deposits | 106.2332% | 1,420 |
| Total domestic deposits to total assets | 80.8009% | 5,472 |
| Equity capital to assets | 13.8997% | 1,207 |
| Core capital (leverage) ratio | 13.8997% | 950 |
| Tier 1 risk-based capital ratio | 18.4733% | 1,840 |
| Total risk-based capital ratio | 19.7330% | 1,803 |
| Memoranda: | ||
| Average total assets | $35,371,670 | 7,167 |
| Average earning assets | $34,118,330 | 7,079 |
| Average equity | $5,415,000 | 6,646 |
| Average total loans | $30,423,670 | 6,507 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3288% | 3,400 |
| Cost of funding earning assets | 0.9149% | 6,712 |
| Net interest margin | 4.4139% | 1,358 |
| Noninterest income to average assets | 0.7502% | 2,301 |
| Noninterest expense to average assets | 4.8224% | 421 |
| Loan and lease loss provision to assets | 0.7740% | 1,635 |
| Net operating income to assets | -0.5954% | 6,895 |
| Return on assets (ROA) | -0.5954% | 6,927 |
| Pretax return on assets | -0.5954% | 6,843 |
| Return on Equity (ROE) | -3.6921% | 6,798 |
| Retained earnings to average equity (ytd only) | -3.6921% | 6,459 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9524% | 1,026 |
| Assets per employee ($millions) | 3.5638% | 4,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8213% | 2,667 |
| Loan loss allowance to noncurrent loans | 2,391.3043% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 7,318 |
| Noncurrent loans to loans | 0.0762% | 7,208 |
| Net loans and leases to total assets | 83.1949% | 455 |
| Net loans and leases to deposits | 105.0861% | 472 |
| Net loans and leases to core deposits | 122.6584% | 687 |
| Total domestic deposits to total assets | 79.1683% | 6,036 |
| Equity capital to assets | 15.1299% | 847 |
| Core capital (leverage) ratio | 15.1299% | 728 |
| Tier 1 risk-based capital ratio | 19.0295% | 1,714 |
| Total risk-based capital ratio | 20.2894% | 1,679 |
| Memoranda: | ||
| Average total assets | $33,593,000 | 7,324 |
| Average earning assets | $32,352,500 | 7,228 |
| Average equity | $5,417,000 | 6,704 |
| Average total loans | $29,707,000 | 6,621 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3799% | 4,786 |
| Cost of funding earning assets | 1.0271% | 7,156 |
| Net interest margin | 4.3528% | 1,564 |
| Noninterest income to average assets | 0.4099% | 5,126 |
| Noninterest expense to average assets | 5.8943% | 323 |
| Loan and lease loss provision to assets | 0.5950% | 3,415 |
| Net operating income to assets | -4.1918% | 7,637 |
| Return on assets (ROA) | -4.1918% | 7,636 |
| Pretax return on assets | -2.0165% | 6,948 |
| Return on Equity (ROE) | -20.7583% | 7,165 |
| Retained earnings to average equity (ytd only) | -20.7583% | 7,134 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.4117% | 461 |
| Assets per employee ($millions) | 3.1548% | 5,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6601% | 3,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 91.0676% | 60 |
| Net loans and leases to deposits | 110.2583% | 377 |
| Net loans and leases to core deposits | 132.7634% | 1,126 |
| Total domestic deposits to total assets | 82.5948% | 4,709 |
| Equity capital to assets | 17.2499% | 525 |
| Core capital (leverage) ratio | 17.2499% | 461 |
| Tier 1 risk-based capital ratio | 19.7560% | 1,503 |
| Total risk-based capital ratio | 21.0121% | 1,468 |
| Memoranda: | ||
| Average total assets | $30,249,800 | 7,461 |
| Average earning assets | $28,234,800 | 7,423 |
| Average equity | $6,108,400 | 6,570 |
| Average total loans | $25,220,800 | 6,899 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1865% | 5,930 |
| Cost of funding earning assets | 1.0402% | 7,302 |
| Net interest margin | 4.1463% | 2,228 |
| Noninterest income to average assets | 0.2094% | 6,729 |
| Noninterest expense to average assets | 6.0950% | 296 |
| Loan and lease loss provision to assets | 0.7129% | 2,593 |
| Net operating income to assets | -5.6941% | 7,907 |
| Return on assets (ROA) | -5.6941% | 7,905 |
| Pretax return on assets | -2.7624% | 7,438 |
| Return on Equity (ROE) | -27.1547% | 7,551 |
| Retained earnings to average equity (ytd only) | -27.1547% | 7,535 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.3304% | 317 |
| Assets per employee ($millions) | 3.4831% | 4,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5815% | 3,066 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 83.0812% | 657 |
| Net loans and leases to deposits | 98.6433% | 1,250 |
| Net loans and leases to core deposits | 121.5066% | 2,114 |
| Total domestic deposits to total assets | 84.2238% | 3,612 |
| Equity capital to assets | 15.5953% | 866 |
| Core capital (leverage) ratio | 15.5953% | 743 |
| Tier 1 risk-based capital ratio | 20.2483% | 1,509 |
| Total risk-based capital ratio | 21.5045% | 1,466 |
| Memoranda: | ||
| Average total assets | $29,925,250 | 7,538 |
| Average earning assets | $27,686,750 | 7,507 |
| Average equity | $6,275,000 | 6,566 |
| Average total loans | $24,222,250 | 7,019 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9553% | 6,907 |
| Cost of funding earning assets | 1.0362% | 7,485 |
| Net interest margin | 3.9190% | 3,022 |
| Noninterest income to average assets | 0.1767% | 7,031 |
| Noninterest expense to average assets | 6.2849% | 294 |
| Loan and lease loss provision to assets | 0.7494% | 2,191 |
| Net operating income to assets | -2.1916% | 7,476 |
| Return on assets (ROA) | -2.1916% | 7,475 |
| Pretax return on assets | -3.3015% | 7,633 |
| Return on Equity (ROE) | -9.4570% | 6,989 |
| Retained earnings to average equity (ytd only) | -9.4570% | 6,810 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 167.9924% | 294 |
| Assets per employee ($millions) | 3.0101% | 6,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4955% | 3,228 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 81.7613% | 994 |
| Net loans and leases to deposits | 101.6216% | 1,106 |
| Net loans and leases to core deposits | 114.4065% | 2,867 |
| Total domestic deposits to total assets | 80.4566% | 5,296 |
| Equity capital to assets | 19.3289% | 429 |
| Core capital (leverage) ratio | 17.2932% | 578 |
| Tier 1 risk-based capital ratio | 22.2377% | 1,220 |
| Total risk-based capital ratio | 23.4919% | 1,189 |
| Memoranda: | ||
| Average total assets | $28,290,000 | 7,672 |
| Average earning assets | $25,669,670 | 7,653 |
| Average equity | $6,556,000 | 6,514 |
| Average total loans | $22,495,330 | 7,182 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9318% | 7,096 |
| Cost of funding earning assets | 1.2722% | 7,110 |
| Net interest margin | 3.6597% | 4,064 |
| Noninterest income to average assets | 0.2318% | 6,614 |
| Noninterest expense to average assets | 7.0944% | 200 |
| Loan and lease loss provision to assets | -0.0773% | 8,197 |
| Net operating income to assets | -2.3493% | 7,733 |
| Return on assets (ROA) | -2.3493% | 7,736 |
| Pretax return on assets | -3.5395% | 7,845 |
| Return on Equity (ROE) | -9.1649% | 7,311 |
| Retained earnings to average equity (ytd only) | -9.1649% | 7,029 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 203.5556% | 179 |
| Assets per employee ($millions) | 2.3032% | 7,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4893% | 3,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 78.3264% | 1,740 |
| Net loans and leases to deposits | 105.8516% | 878 |
| Net loans and leases to core deposits | 128.1995% | 1,767 |
| Total domestic deposits to total assets | 73.9964% | 6,893 |
| Equity capital to assets | 25.8851% | 203 |
| Core capital (leverage) ratio | 23.6707% | 264 |
| Tier 1 risk-based capital ratio | 28.0897% | 747 |
| Total risk-based capital ratio | 29.3439% | 733 |
| Memoranda: | ||
| Average total assets | $25,879,500 | 7,805 |
| Average earning assets | $22,953,000 | 7,808 |
| Average equity | $6,634,000 | 6,533 |
| Average total loans | $20,001,500 | 7,359 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0162% | 7,826 |
| Cost of funding earning assets | 1.4511% | 7,681 |
| Net interest margin | 3.5650% | 5,038 |
| Noninterest income to average assets | 0.2328% | 6,768 |
| Noninterest expense to average assets | 8.7916% | 185 |
| Loan and lease loss provision to assets | 1.3701% | 1,020 |
| Net operating income to assets | -4.3905% | 8,041 |
| Return on assets (ROA) | -4.3905% | 8,024 |
| Pretax return on assets | -6.6281% | 8,141 |
| Return on Equity (ROE) | -11.6987% | 7,408 |
| Retained earnings to average equity (ytd only) | -11.6987% | 7,227 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 248.3533% | 142 |
| Assets per employee ($millions) | 2.2020% | 7,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5358% | 2,522 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 74.0009% | 3,099 |
| Net loans and leases to deposits | 99.5013% | 1,904 |
| Net loans and leases to core deposits | 130.1778% | 1,838 |
| Total domestic deposits to total assets | 74.3718% | 6,585 |
| Equity capital to assets | 25.3936% | 260 |
| Core capital (leverage) ratio | 23.4883% | 291 |
| Tier 1 risk-based capital ratio | 28.4612% | 738 |
| Total risk-based capital ratio | 29.7122% | 720 |
| Memoranda: | ||
| Average total assets | $18,904,400 | 8,053 |
| Average earning assets | $17,503,400 | 8,022 |
| Average equity | $7,094,800 | 6,425 |
| Average total loans | $13,690,600 | 7,724 |