Home > Texas Hill Country Bank > Performance and Condition Ratios
Texas Hill Country Bank, Performance and Condition Ratios
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5919% | 1,332 |
| Cost of funding earning assets | 0.6738% | 2,176 |
| Net interest margin | 3.9180% | 1,308 |
| Noninterest income to average assets | 0.7399% | 1,675 |
| Noninterest expense to average assets | 2.6603% | 2,362 |
| Loan and lease loss provision to assets | 0.3957% | 900 |
| Net operating income to assets | 1.0890% | 2,019 |
| Return on assets (ROA) | 1.0890% | 2,148 |
| Pretax return on assets | 1.3373% | 1,915 |
| Return on Equity (ROE) | 12.4045% | 1,272 |
| Retained earnings to average equity (ytd only) | 12.4045% | 384 |
| Net charge-offs to loans | 0.0262% | 2,312 |
| Credit loss provision to net charge-offs | 1,833.3333% | 517 |
| Earnings coverage of net charge-offs (x) | 80.2667% | 923 |
| Efficiency ratio | 60.5505% | 3,295 |
| Assets per employee ($millions) | 5.5320% | 2,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9328% | 3,966 |
| Loan loss allowance to noncurrent loans | 980.2326% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.0864% | 4,000 |
| Noncurrent loans to loans | 0.0952% | 3,984 |
| Net loans and leases to total assets | 89.9107% | 43 |
| Net loans and leases to deposits | 98.9369% | 579 |
| Net loans and leases to core deposits | 117.8237% | 459 |
| Total domestic deposits to total assets | 90.8768% | 197 |
| Equity capital to assets | 8.6150% | 4,392 |
| Core capital (leverage) ratio | 8.6495% | 4,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,238,000 | 3,049 |
| Average earning assets | $172,735,750 | 3,032 |
| Average equity | $16,262,500 | 3,527 |
| Average total loans | $152,572,750 | 2,644 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4986% | 1,919 |
| Cost of funding earning assets | 0.7529% | 2,103 |
| Net interest margin | 3.7456% | 2,008 |
| Noninterest income to average assets | 0.6434% | 1,962 |
| Noninterest expense to average assets | 3.0100% | 1,552 |
| Loan and lease loss provision to assets | 0.1107% | 2,904 |
| Net operating income to assets | 0.8140% | 2,992 |
| Return on assets (ROA) | 0.8140% | 3,110 |
| Pretax return on assets | 1.0155% | 2,981 |
| Return on Equity (ROE) | 9.2080% | 2,276 |
| Retained earnings to average equity (ytd only) | 9.2080% | 954 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7711% | 1,592 |
| Assets per employee ($millions) | 5.5804% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 3,592 |
| Loan loss allowance to noncurrent loans | 694.7368% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.1230% | 3,916 |
| Noncurrent loans to loans | 0.1435% | 3,884 |
| Net loans and leases to total assets | 84.8124% | 196 |
| Net loans and leases to deposits | 93.0617% | 1,042 |
| Net loans and leases to core deposits | 109.5035% | 758 |
| Total domestic deposits to total assets | 91.1356% | 128 |
| Equity capital to assets | 8.1491% | 4,652 |
| Core capital (leverage) ratio | 8.5026% | 4,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,600,000 | 3,070 |
| Average earning assets | $168,409,667 | 3,058 |
| Average equity | $15,964,333 | 3,554 |
| Average total loans | $143,182,000 | 2,716 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7692% | 1,503 |
| Cost of funding earning assets | 0.9007% | 1,864 |
| Net interest margin | 3.8685% | 1,765 |
| Noninterest income to average assets | 0.7157% | 1,588 |
| Noninterest expense to average assets | 3.1234% | 1,579 |
| Loan and lease loss provision to assets | 0.1173% | 2,222 |
| Net operating income to assets | 0.8425% | 2,744 |
| Return on assets (ROA) | 0.8425% | 2,834 |
| Pretax return on assets | 1.0630% | 2,628 |
| Return on Equity (ROE) | 9.1111% | 2,064 |
| Retained earnings to average equity (ytd only) | 9.1111% | 945 |
| Net charge-offs to loans | 0.0031% | 2,481 |
| Credit loss provision to net charge-offs | 5,000.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 503.0000% | 123 |
| Efficiency ratio | 72.5736% | 1,992 |
| Assets per employee ($millions) | 4.7537% | 2,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9524% | 3,918 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 73.8325% | 1,635 |
| Net loans and leases to deposits | 81.6939% | 2,495 |
| Net loans and leases to core deposits | 99.3912% | 1,524 |
| Total domestic deposits to total assets | 90.3770% | 224 |
| Equity capital to assets | 9.3337% | 4,366 |
| Core capital (leverage) ratio | 9.4984% | 3,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,453,000 | 3,129 |
| Average earning assets | $158,098,000 | 3,129 |
| Average equity | $15,761,000 | 3,579 |
| Average total loans | $128,723,500 | 2,851 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0515% | 1,341 |
| Cost of funding earning assets | 0.9820% | 1,806 |
| Net interest margin | 4.0695% | 1,624 |
| Noninterest income to average assets | 0.6447% | 2,026 |
| Noninterest expense to average assets | 3.1035% | 1,749 |
| Loan and lease loss provision to assets | 0.1513% | 1,404 |
| Net operating income to assets | 0.9035% | 3,197 |
| Return on assets (ROA) | 0.9035% | 3,285 |
| Pretax return on assets | 1.1502% | 3,008 |
| Return on Equity (ROE) | 9.4183% | 2,563 |
| Retained earnings to average equity (ytd only) | 9.4183% | 609 |
| Net charge-offs to loans | 0.0025% | 3,604 |
| Credit loss provision to net charge-offs | 7,833.3333% | 58 |
| Earnings coverage of net charge-offs (x) | 673.6667% | 153 |
| Efficiency ratio | 70.4532% | 2,104 |
| Assets per employee ($millions) | 4.9983% | 2,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8977% | 3,969 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 75.7405% | 1,457 |
| Net loans and leases to deposits | 83.9092% | 2,345 |
| Net loans and leases to core deposits | 101.0941% | 1,478 |
| Total domestic deposits to total assets | 90.2649% | 245 |
| Equity capital to assets | 9.2484% | 4,531 |
| Core capital (leverage) ratio | 9.7983% | 3,733 |
| Tier 1 risk-based capital ratio | 11.7437% | 4,501 |
| Total risk-based capital ratio | 12.6147% | 4,579 |
| Memoranda: | ||
| Average total assets | $155,276,600 | 3,238 |
| Average earning assets | $143,483,400 | 3,236 |
| Average equity | $14,896,600 | 3,646 |
| Average total loans | $120,830,400 | 2,934 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0771% | 1,335 |
| Cost of funding earning assets | 0.9939% | 1,790 |
| Net interest margin | 4.0832% | 1,661 |
| Noninterest income to average assets | 0.6103% | 2,154 |
| Noninterest expense to average assets | 3.1615% | 1,550 |
| Loan and lease loss provision to assets | 0.1539% | 1,218 |
| Net operating income to assets | 0.8627% | 3,475 |
| Return on assets (ROA) | 0.8627% | 3,552 |
| Pretax return on assets | 1.0632% | 3,398 |
| Return on Equity (ROE) | 8.9029% | 2,927 |
| Retained earnings to average equity (ytd only) | 8.9029% | 1,078 |
| Net charge-offs to loans | 0.0045% | 3,242 |
| Credit loss provision to net charge-offs | 4,375.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 346.2083% | 284 |
| Efficiency ratio | 72.2033% | 1,802 |
| Assets per employee ($millions) | 4.6469% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8631% | 4,189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 82.7646% | 490 |
| Net loans and leases to deposits | 92.4108% | 1,387 |
| Net loans and leases to core deposits | 111.7621% | 858 |
| Total domestic deposits to total assets | 89.5616% | 429 |
| Equity capital to assets | 9.9630% | 4,057 |
| Core capital (leverage) ratio | 9.9112% | 3,727 |
| Tier 1 risk-based capital ratio | 11.6766% | 4,577 |
| Total risk-based capital ratio | 12.5205% | 4,680 |
| Memoranda: | ||
| Average total assets | $151,610,250 | 3,306 |
| Average earning assets | $139,918,750 | 3,312 |
| Average equity | $14,691,500 | 3,696 |
| Average total loans | $118,567,750 | 2,986 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9741% | 1,550 |
| Cost of funding earning assets | 0.9914% | 1,737 |
| Net interest margin | 3.9828% | 1,973 |
| Noninterest income to average assets | 0.4529% | 2,942 |
| Noninterest expense to average assets | 3.0457% | 1,873 |
| Loan and lease loss provision to assets | 0.1523% | 1,197 |
| Net operating income to assets | 0.7614% | 3,788 |
| Return on assets (ROA) | 0.7614% | 3,853 |
| Pretax return on assets | 0.9203% | 3,789 |
| Return on Equity (ROE) | 7.9332% | 3,317 |
| Retained earnings to average equity (ytd only) | 7.9332% | 1,427 |
| Net charge-offs to loans | 0.0087% | 2,831 |
| Credit loss provision to net charge-offs | 2,300.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 162.0000% | 461 |
| Efficiency ratio | 73.9550% | 1,655 |
| Assets per employee ($millions) | 4.6297% | 2,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8461% | 4,279 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 80.0826% | 868 |
| Net loans and leases to deposits | 88.9457% | 1,869 |
| Net loans and leases to core deposits | 108.3164% | 1,078 |
| Total domestic deposits to total assets | 90.0354% | 324 |
| Equity capital to assets | 9.7257% | 4,212 |
| Core capital (leverage) ratio | 9.8428% | 3,770 |
| Tier 1 risk-based capital ratio | 11.6482% | 4,610 |
| Total risk-based capital ratio | 12.4658% | 4,716 |
| Memoranda: | ||
| Average total assets | $151,031,330 | 3,339 |
| Average earning assets | $138,998,670 | 3,342 |
| Average equity | $14,496,000 | 3,722 |
| Average total loans | $115,416,330 | 3,042 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8637% | 1,717 |
| Cost of funding earning assets | 0.9572% | 1,758 |
| Net interest margin | 3.9066% | 2,165 |
| Noninterest income to average assets | 0.4555% | 2,823 |
| Noninterest expense to average assets | 3.0821% | 1,768 |
| Loan and lease loss provision to assets | 0.1199% | 1,460 |
| Net operating income to assets | 0.7033% | 3,919 |
| Return on assets (ROA) | 0.7033% | 3,966 |
| Pretax return on assets | 0.8631% | 3,885 |
| Return on Equity (ROE) | 7.3771% | 3,514 |
| Retained earnings to average equity (ytd only) | 7.3771% | 1,891 |
| Net charge-offs to loans | 0.0179% | 2,112 |
| Credit loss provision to net charge-offs | 900.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 73.8000% | 817 |
| Efficiency ratio | 75.8191% | 1,515 |
| Assets per employee ($millions) | 4.9917% | 2,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8516% | 4,340 |
| Loan loss allowance to noncurrent loans | 19,480.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 4,876 |
| Noncurrent loans to loans | 0.0044% | 4,787 |
| Net loans and leases to total assets | 75.7289% | 1,529 |
| Net loans and leases to deposits | 84.0490% | 2,378 |
| Net loans and leases to core deposits | 102.6624% | 1,406 |
| Total domestic deposits to total assets | 90.1008% | 413 |
| Equity capital to assets | 9.6594% | 4,124 |
| Core capital (leverage) ratio | 9.6544% | 3,966 |
| Tier 1 risk-based capital ratio | 12.1839% | 4,360 |
| Total risk-based capital ratio | 12.9993% | 4,495 |
| Memoranda: | ||
| Average total assets | $150,156,500 | 3,383 |
| Average earning assets | $138,741,000 | 3,384 |
| Average equity | $14,314,500 | 3,759 |
| Average total loans | $111,427,000 | 3,145 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8630% | 1,383 |
| Cost of funding earning assets | 0.7722% | 1,676 |
| Net interest margin | 4.0908% | 1,708 |
| Noninterest income to average assets | 0.5808% | 2,398 |
| Noninterest expense to average assets | 2.9821% | 2,091 |
| Loan and lease loss provision to assets | 0.1274% | 1,721 |
| Net operating income to assets | 0.9685% | 3,146 |
| Return on assets (ROA) | 0.9685% | 3,145 |
| Pretax return on assets | 1.2358% | 2,755 |
| Return on Equity (ROE) | 9.3087% | 2,834 |
| Retained earnings to average equity (ytd only) | 9.3087% | 783 |
| Net charge-offs to loans | 0.0529% | 2,398 |
| Credit loss provision to net charge-offs | 311.3208% | 1,006 |
| Earnings coverage of net charge-offs (x) | 33.3019% | 1,498 |
| Efficiency ratio | 68.6278% | 2,445 |
| Assets per employee ($millions) | 5.1918% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8601% | 4,327 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 71.4272% | 2,361 |
| Net loans and leases to deposits | 79.0391% | 3,048 |
| Net loans and leases to core deposits | 94.2872% | 2,206 |
| Total domestic deposits to total assets | 90.3695% | 358 |
| Equity capital to assets | 9.4074% | 4,210 |
| Core capital (leverage) ratio | 10.0517% | 3,520 |
| Tier 1 risk-based capital ratio | 12.3753% | 4,196 |
| Total risk-based capital ratio | 13.1839% | 4,357 |
| Memoranda: | ||
| Average total assets | $129,472,400 | 3,653 |
| Average earning assets | $119,145,000 | 3,660 |
| Average equity | $13,471,200 | 3,820 |
| Average total loans | $100,223,400 | 3,289 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9070% | 1,141 |
| Cost of funding earning assets | 0.7234% | 1,734 |
| Net interest margin | 4.1837% | 1,405 |
| Noninterest income to average assets | 0.6119% | 2,250 |
| Noninterest expense to average assets | 3.0971% | 1,776 |
| Loan and lease loss provision to assets | 0.1342% | 1,493 |
| Net operating income to assets | 0.9812% | 3,173 |
| Return on assets (ROA) | 0.9812% | 3,182 |
| Pretax return on assets | 1.2238% | 2,900 |
| Return on Equity (ROE) | 9.1641% | 3,017 |
| Retained earnings to average equity (ytd only) | 9.1641% | 1,161 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5181% | 2,270 |
| Assets per employee ($millions) | 4.6190% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 4,142 |
| Loan loss allowance to noncurrent loans | 1,721.8182% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 4,769 |
| Noncurrent loans to loans | 0.0539% | 4,651 |
| Net loans and leases to total assets | 75.4419% | 1,742 |
| Net loans and leases to deposits | 84.2843% | 2,569 |
| Net loans and leases to core deposits | 100.6343% | 1,731 |
| Total domestic deposits to total assets | 89.5089% | 672 |
| Equity capital to assets | 10.2611% | 3,392 |
| Core capital (leverage) ratio | 10.5780% | 2,995 |
| Tier 1 risk-based capital ratio | 13.1347% | 3,828 |
| Total risk-based capital ratio | 14.0306% | 3,938 |
| Memoranda: | ||
| Average total assets | $124,199,750 | 3,763 |
| Average earning assets | $114,091,750 | 3,781 |
| Average equity | $13,298,000 | 3,875 |
| Average total loans | $98,160,250 | 3,359 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8800% | 1,062 |
| Cost of funding earning assets | 0.6249% | 2,076 |
| Net interest margin | 4.2552% | 1,146 |
| Noninterest income to average assets | 0.5705% | 2,474 |
| Noninterest expense to average assets | 3.0939% | 1,802 |
| Loan and lease loss provision to assets | 0.1571% | 1,197 |
| Net operating income to assets | 1.0054% | 2,991 |
| Return on assets (ROA) | 1.0054% | 2,993 |
| Pretax return on assets | 1.2270% | 2,840 |
| Return on Equity (ROE) | 9.2479% | 2,916 |
| Retained earnings to average equity (ytd only) | 9.2479% | 1,141 |
| Net charge-offs to loans | -0.0021% | 3,949 |
| Credit loss provision to net charge-offs | -9,500.0000% | 4,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0916% | 2,467 |
| Assets per employee ($millions) | 4.4503% | 3,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9029% | 4,330 |
| Loan loss allowance to noncurrent loans | 4,590.0000% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 4,959 |
| Noncurrent loans to loans | 0.0197% | 4,849 |
| Net loans and leases to total assets | 78.0711% | 1,298 |
| Net loans and leases to deposits | 87.3134% | 2,181 |
| Net loans and leases to core deposits | 102.9614% | 1,491 |
| Total domestic deposits to total assets | 89.4148% | 769 |
| Equity capital to assets | 10.4178% | 3,191 |
| Core capital (leverage) ratio | 11.1556% | 2,384 |
| Tier 1 risk-based capital ratio | 13.3612% | 3,700 |
| Total risk-based capital ratio | 14.2652% | 3,804 |
| Memoranda: | ||
| Average total assets | $120,949,000 | 3,840 |
| Average earning assets | $111,065,330 | 3,855 |
| Average equity | $13,149,000 | 3,910 |
| Average total loans | $96,879,330 | 3,395 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8349% | 1,003 |
| Cost of funding earning assets | 0.5623% | 2,302 |
| Net interest margin | 4.2727% | 1,003 |
| Noninterest income to average assets | 0.5441% | 2,557 |
| Noninterest expense to average assets | 3.1652% | 1,651 |
| Loan and lease loss provision to assets | 0.2053% | 800 |
| Net operating income to assets | 0.9855% | 2,910 |
| Return on assets (ROA) | 0.9855% | 2,943 |
| Pretax return on assets | 1.1258% | 3,066 |
| Return on Equity (ROE) | 8.8609% | 2,974 |
| Retained earnings to average equity (ytd only) | 8.8609% | 1,511 |
| Net charge-offs to loans | -0.0042% | 3,954 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3957% | 2,426 |
| Assets per employee ($millions) | 4.1882% | 3,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9014% | 4,447 |
| Loan loss allowance to noncurrent loans | 761.2069% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.1373% | 4,402 |
| Noncurrent loans to loans | 0.1184% | 4,434 |
| Net loans and leases to total assets | 82.7781% | 560 |
| Net loans and leases to deposits | 93.4257% | 1,288 |
| Net loans and leases to core deposits | 110.3290% | 985 |
| Total domestic deposits to total assets | 88.6031% | 1,309 |
| Equity capital to assets | 11.1948% | 2,389 |
| Core capital (leverage) ratio | 11.3307% | 2,140 |
| Tier 1 risk-based capital ratio | 13.5299% | 3,642 |
| Total risk-based capital ratio | 14.4323% | 3,758 |
| Memoranda: | ||
| Average total assets | $116,894,500 | 3,952 |
| Average earning assets | $108,129,500 | 3,944 |
| Average equity | $13,001,000 | 3,966 |
| Average total loans | $94,481,500 | 3,458 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5478% | 1,569 |
| Cost of funding earning assets | 0.5442% | 1,993 |
| Net interest margin | 4.0036% | 1,744 |
| Noninterest income to average assets | 0.5480% | 2,729 |
| Noninterest expense to average assets | 3.0955% | 1,872 |
| Loan and lease loss provision to assets | 0.1943% | 1,079 |
| Net operating income to assets | 1.0611% | 2,015 |
| Return on assets (ROA) | 1.0611% | 2,034 |
| Pretax return on assets | 1.0054% | 3,543 |
| Return on Equity (ROE) | 9.1411% | 2,246 |
| Retained earnings to average equity (ytd only) | 9.1411% | 485 |
| Net charge-offs to loans | 0.0180% | 3,502 |
| Credit loss provision to net charge-offs | 1,373.3333% | 284 |
| Earnings coverage of net charge-offs (x) | 84.8000% | 735 |
| Efficiency ratio | 72.0685% | 2,213 |
| Assets per employee ($millions) | 4.3156% | 3,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9032% | 4,461 |
| Loan loss allowance to noncurrent loans | 830.3030% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 4,511 |
| Noncurrent loans to loans | 0.1088% | 4,498 |
| Net loans and leases to total assets | 77.3987% | 1,362 |
| Net loans and leases to deposits | 87.1647% | 2,110 |
| Net loans and leases to core deposits | 102.3620% | 1,534 |
| Total domestic deposits to total assets | 88.7959% | 1,087 |
| Equity capital to assets | 11.0487% | 2,584 |
| Core capital (leverage) ratio | 11.3965% | 2,015 |
| Tier 1 risk-based capital ratio | 14.2993% | 3,197 |
| Total risk-based capital ratio | 15.2076% | 3,292 |
| Memoranda: | ||
| Average total assets | $106,024,600 | 4,133 |
| Average earning assets | $99,235,000 | 4,113 |
| Average equity | $12,307,000 | 4,089 |
| Average total loans | $83,278,600 | 3,672 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4990% | 1,643 |
| Cost of funding earning assets | 0.5404% | 1,956 |
| Net interest margin | 3.9586% | 1,837 |
| Noninterest income to average assets | 0.5209% | 2,893 |
| Noninterest expense to average assets | 3.1385% | 1,702 |
| Loan and lease loss provision to assets | 0.2128% | 888 |
| Net operating income to assets | 1.4339% | 1,020 |
| Return on assets (ROA) | 1.4339% | 1,036 |
| Pretax return on assets | 0.8910% | 4,071 |
| Return on Equity (ROE) | 12.1874% | 1,279 |
| Retained earnings to average equity (ytd only) | 12.1874% | 280 |
| Net charge-offs to loans | 0.0246% | 2,956 |
| Credit loss provision to net charge-offs | 1,100.0000% | 333 |
| Earnings coverage of net charge-offs (x) | 57.0650% | 1,024 |
| Efficiency ratio | 73.9818% | 1,893 |
| Assets per employee ($millions) | 4.4655% | 3,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9031% | 4,553 |
| Loan loss allowance to noncurrent loans | 19,525.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 5,013 |
| Noncurrent loans to loans | 0.0046% | 5,127 |
| Net loans and leases to total assets | 76.7678% | 1,456 |
| Net loans and leases to deposits | 87.1327% | 2,165 |
| Net loans and leases to core deposits | 103.1088% | 1,457 |
| Total domestic deposits to total assets | 88.1044% | 1,310 |
| Equity capital to assets | 11.5436% | 2,325 |
| Core capital (leverage) ratio | 11.2497% | 2,220 |
| Tier 1 risk-based capital ratio | 14.5702% | 3,144 |
| Total risk-based capital ratio | 15.4970% | 3,227 |
| Memoranda: | ||
| Average total assets | $103,400,750 | 4,217 |
| Average earning assets | $97,204,500 | 4,187 |
| Average equity | $12,165,250 | 4,146 |
| Average total loans | $81,346,500 | 3,743 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4812% | 1,569 |
| Cost of funding earning assets | 0.5303% | 1,910 |
| Net interest margin | 3.9509% | 1,771 |
| Noninterest income to average assets | 0.4252% | 3,523 |
| Noninterest expense to average assets | 3.1275% | 1,776 |
| Loan and lease loss provision to assets | 0.1927% | 966 |
| Net operating income to assets | 0.8206% | 3,293 |
| Return on assets (ROA) | 0.8206% | 3,349 |
| Pretax return on assets | 0.8206% | 4,197 |
| Return on Equity (ROE) | 6.9268% | 3,592 |
| Retained earnings to average equity (ytd only) | 6.9268% | 1,630 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5278% | 1,796 |
| Assets per employee ($millions) | 4.5661% | 3,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8601% | 4,788 |
| Loan loss allowance to noncurrent loans | 274.7170% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.2523% | 4,118 |
| Noncurrent loans to loans | 0.3131% | 3,916 |
| Net loans and leases to total assets | 79.9031% | 972 |
| Net loans and leases to deposits | 90.5740% | 1,657 |
| Net loans and leases to core deposits | 108.3319% | 1,087 |
| Total domestic deposits to total assets | 88.2185% | 1,348 |
| Equity capital to assets | 11.5958% | 2,232 |
| Core capital (leverage) ratio | 11.9244% | 1,677 |
| Tier 1 risk-based capital ratio | 14.9547% | 2,948 |
| Total risk-based capital ratio | 15.8467% | 3,033 |
| Memoranda: | ||
| Average total assets | $100,655,000 | 4,295 |
| Average earning assets | $94,663,000 | 4,256 |
| Average equity | $11,924,670 | 4,202 |
| Average total loans | $79,634,330 | 3,799 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3566% | 1,799 |
| Cost of funding earning assets | 0.5386% | 1,800 |
| Net interest margin | 3.8179% | 2,055 |
| Noninterest income to average assets | 0.3453% | 4,084 |
| Noninterest expense to average assets | 3.0425% | 2,040 |
| Loan and lease loss provision to assets | 0.2031% | 809 |
| Net operating income to assets | 0.6987% | 3,712 |
| Return on assets (ROA) | 0.6987% | 3,750 |
| Pretax return on assets | 0.6987% | 4,454 |
| Return on Equity (ROE) | 5.8315% | 3,988 |
| Retained earnings to average equity (ytd only) | 5.8315% | 2,420 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1370% | 1,742 |
| Assets per employee ($millions) | 4.3534% | 3,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8474% | 4,932 |
| Loan loss allowance to noncurrent loans | 1,135.0000% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 5,045 |
| Noncurrent loans to loans | 0.0747% | 4,906 |
| Net loans and leases to total assets | 79.5791% | 890 |
| Net loans and leases to deposits | 90.4058% | 1,490 |
| Net loans and leases to core deposits | 104.3259% | 1,206 |
| Total domestic deposits to total assets | 88.0243% | 1,702 |
| Equity capital to assets | 11.8768% | 1,924 |
| Core capital (leverage) ratio | 12.1378% | 1,543 |
| Tier 1 risk-based capital ratio | 14.9414% | 2,994 |
| Total risk-based capital ratio | 15.7926% | 3,108 |
| Memoranda: | ||
| Average total assets | $98,472,000 | 4,382 |
| Average earning assets | $92,825,000 | 4,338 |
| Average equity | $11,798,000 | 4,250 |
| Average total loans | $77,130,000 | 3,880 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2957% | 2,155 |
| Cost of funding earning assets | 0.5122% | 1,996 |
| Net interest margin | 3.7835% | 2,376 |
| Noninterest income to average assets | 0.2682% | 4,807 |
| Noninterest expense to average assets | 2.9938% | 2,371 |
| Loan and lease loss provision to assets | 0.1267% | 1,961 |
| Net operating income to assets | 0.7225% | 3,679 |
| Return on assets (ROA) | 0.7225% | 3,792 |
| Pretax return on assets | 0.7225% | 4,416 |
| Return on Equity (ROE) | 5.5689% | 4,171 |
| Retained earnings to average equity (ytd only) | 5.5689% | 1,973 |
| Net charge-offs to loans | 0.0030% | 4,161 |
| Credit loss provision to net charge-offs | 5,550.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 372.0000% | 217 |
| Efficiency ratio | 77.9032% | 1,706 |
| Assets per employee ($millions) | 4.0340% | 3,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8539% | 4,949 |
| Loan loss allowance to noncurrent loans | 1,190.5660% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 5,125 |
| Noncurrent loans to loans | 0.0717% | 4,951 |
| Net loans and leases to total assets | 75.6765% | 1,564 |
| Net loans and leases to deposits | 86.1944% | 2,140 |
| Net loans and leases to core deposits | 109.9181% | 902 |
| Total domestic deposits to total assets | 87.7975% | 1,746 |
| Equity capital to assets | 12.0889% | 1,748 |
| Core capital (leverage) ratio | 12.2133% | 1,468 |
| Tier 1 risk-based capital ratio | 15.2923% | 2,842 |
| Total risk-based capital ratio | 16.1121% | 2,961 |
| Memoranda: | ||
| Average total assets | $87,614,800 | 4,594 |
| Average earning assets | $82,780,000 | 4,541 |
| Average equity | $11,366,600 | 4,361 |
| Average total loans | $66,458,400 | 4,133 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3094% | 2,135 |
| Cost of funding earning assets | 0.4985% | 2,116 |
| Net interest margin | 3.8109% | 2,293 |
| Noninterest income to average assets | 0.2625% | 4,893 |
| Noninterest expense to average assets | 3.0412% | 2,195 |
| Loan and lease loss provision to assets | 0.1500% | 1,560 |
| Net operating income to assets | 0.6673% | 4,011 |
| Return on assets (ROA) | 0.6673% | 4,134 |
| Pretax return on assets | 0.6673% | 4,696 |
| Return on Equity (ROE) | 5.0462% | 4,497 |
| Retained earnings to average equity (ytd only) | 5.0462% | 2,798 |
| Net charge-offs to loans | 0.0041% | 3,777 |
| Credit loss provision to net charge-offs | 4,800.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 261.1685% | 311 |
| Efficiency ratio | 78.8173% | 1,573 |
| Assets per employee ($millions) | 4.3065% | 3,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8934% | 4,895 |
| Loan loss allowance to noncurrent loans | 1,368.8889% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0475% | 5,276 |
| Noncurrent loans to loans | 0.0653% | 5,091 |
| Net loans and leases to total assets | 72.1256% | 2,172 |
| Net loans and leases to deposits | 82.3420% | 2,686 |
| Net loans and leases to core deposits | 106.3415% | 1,160 |
| Total domestic deposits to total assets | 87.5928% | 1,616 |
| Equity capital to assets | 12.2373% | 1,951 |
| Core capital (leverage) ratio | 12.6389% | 1,342 |
| Tier 1 risk-based capital ratio | 15.7753% | 2,711 |
| Total risk-based capital ratio | 16.6164% | 2,817 |
| Memoranda: | ||
| Average total assets | $85,314,500 | 4,661 |
| Average earning assets | $80,504,750 | 4,615 |
| Average equity | $11,282,250 | 4,417 |
| Average total loans | $64,598,500 | 4,198 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3899% | 1,855 |
| Cost of funding earning assets | 0.4823% | 2,248 |
| Net interest margin | 3.9076% | 1,956 |
| Noninterest income to average assets | 0.2361% | 5,071 |
| Noninterest expense to average assets | 3.1446% | 1,944 |
| Loan and lease loss provision to assets | 0.1606% | 1,414 |
| Net operating income to assets | 0.5987% | 4,276 |
| Return on assets (ROA) | 0.5987% | 4,394 |
| Pretax return on assets | 0.5987% | 4,889 |
| Return on Equity (ROE) | 4.4014% | 4,755 |
| Retained earnings to average equity (ytd only) | 4.4014% | 3,114 |
| Net charge-offs to loans | 0.0032% | 3,596 |
| Credit loss provision to net charge-offs | 6,600.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 312.0000% | 214 |
| Efficiency ratio | 80.5486% | 1,439 |
| Assets per employee ($millions) | 4.4188% | 3,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8878% | 4,996 |
| Loan loss allowance to noncurrent loans | 199.6599% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.3327% | 4,169 |
| Noncurrent loans to loans | 0.4446% | 3,777 |
| Net loans and leases to total assets | 74.1556% | 1,810 |
| Net loans and leases to deposits | 85.2233% | 2,332 |
| Net loans and leases to core deposits | 111.0800% | 871 |
| Total domestic deposits to total assets | 87.0133% | 1,909 |
| Equity capital to assets | 12.8758% | 1,574 |
| Core capital (leverage) ratio | 13.6680% | 921 |
| Tier 1 risk-based capital ratio | 15.7928% | 2,744 |
| Total risk-based capital ratio | 16.6087% | 2,857 |
| Memoranda: | ||
| Average total assets | $82,171,670 | 4,767 |
| Average earning assets | $77,131,000 | 4,723 |
| Average equity | $11,178,330 | 4,462 |
| Average total loans | $63,148,000 | 4,255 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4373% | 1,693 |
| Cost of funding earning assets | 0.4529% | 2,551 |
| Net interest margin | 3.9844% | 1,661 |
| Noninterest income to average assets | 0.2428% | 4,999 |
| Noninterest expense to average assets | 3.3236% | 1,545 |
| Loan and lease loss provision to assets | 0.1366% | 1,531 |
| Net operating income to assets | 0.5211% | 4,542 |
| Return on assets (ROA) | 0.5211% | 4,651 |
| Pretax return on assets | 0.5211% | 5,027 |
| Return on Equity (ROE) | 3.7191% | 4,989 |
| Retained earnings to average equity (ytd only) | 3.7191% | 3,633 |
| Net charge-offs to loans | 0.0065% | 2,898 |
| Credit loss provision to net charge-offs | 2,700.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 130.0000% | 449 |
| Efficiency ratio | 83.4816% | 1,204 |
| Assets per employee ($millions) | 4.5113% | 3,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8515% | 5,219 |
| Loan loss allowance to noncurrent loans | 1,217.7778% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 5,394 |
| Noncurrent loans to loans | 0.0699% | 5,200 |
| Net loans and leases to total assets | 78.5749% | 1,017 |
| Net loans and leases to deposits | 93.8917% | 1,155 |
| Net loans and leases to core deposits | 121.9837% | 416 |
| Total domestic deposits to total assets | 83.6868% | 3,643 |
| Equity capital to assets | 13.7592% | 1,067 |
| Core capital (leverage) ratio | 12.7740% | 1,244 |
| Tier 1 risk-based capital ratio | 16.0256% | 2,669 |
| Total risk-based capital ratio | 16.8092% | 2,817 |
| Memoranda: | ||
| Average total assets | $79,070,000 | 4,877 |
| Average earning assets | $74,188,500 | 4,845 |
| Average equity | $11,078,000 | 4,489 |
| Average total loans | $61,661,000 | 4,323 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2659% | 2,332 |
| Cost of funding earning assets | 0.4024% | 3,126 |
| Net interest margin | 3.8636% | 2,149 |
| Noninterest income to average assets | 0.2355% | 5,186 |
| Noninterest expense to average assets | 3.3134% | 1,691 |
| Loan and lease loss provision to assets | 0.1437% | 1,649 |
| Net operating income to assets | 0.4192% | 4,990 |
| Return on assets (ROA) | 0.4192% | 5,074 |
| Pretax return on assets | 0.4192% | 5,282 |
| Return on Equity (ROE) | 2.6230% | 5,418 |
| Retained earnings to average equity (ytd only) | 2.6230% | 4,204 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4796% | 1,045 |
| Assets per employee ($millions) | 4.2742% | 3,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8852% | 5,135 |
| Loan loss allowance to noncurrent loans | 1,160.0000% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 5,426 |
| Noncurrent loans to loans | 0.0763% | 5,196 |
| Net loans and leases to total assets | 75.9670% | 1,424 |
| Net loans and leases to deposits | 100.1371% | 665 |
| Net loans and leases to core deposits | 115.1441% | 633 |
| Total domestic deposits to total assets | 75.8631% | 5,458 |
| Equity capital to assets | 14.2755% | 847 |
| Core capital (leverage) ratio | 15.4937% | 535 |
| Tier 1 risk-based capital ratio | 17.8743% | 1,999 |
| Total risk-based capital ratio | 18.7112% | 2,088 |
| Memoranda: | ||
| Average total assets | $67,512,800 | 5,142 |
| Average earning assets | $63,620,200 | 5,097 |
| Average equity | $10,789,200 | 4,526 |
| Average total loans | $47,948,800 | 4,728 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2426% | 2,436 |
| Cost of funding earning assets | 0.4074% | 3,150 |
| Net interest margin | 3.8352% | 2,247 |
| Noninterest income to average assets | 0.2333% | 5,263 |
| Noninterest expense to average assets | 3.3846% | 1,500 |
| Loan and lease loss provision to assets | 0.1269% | 1,780 |
| Net operating income to assets | 0.3438% | 5,332 |
| Return on assets (ROA) | 0.3438% | 5,422 |
| Pretax return on assets | 0.3438% | 5,568 |
| Return on Equity (ROE) | 2.0854% | 5,649 |
| Retained earnings to average equity (ytd only) | 2.0854% | 4,839 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7919% | 858 |
| Assets per employee ($millions) | 4.0018% | 3,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9346% | 5,050 |
| Loan loss allowance to noncurrent loans | 1,082.2222% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 5,504 |
| Noncurrent loans to loans | 0.0864% | 5,286 |
| Net loans and leases to total assets | 75.8816% | 1,401 |
| Net loans and leases to deposits | 90.5428% | 1,578 |
| Net loans and leases to core deposits | 103.9257% | 1,238 |
| Total domestic deposits to total assets | 83.8074% | 3,504 |
| Equity capital to assets | 16.0368% | 558 |
| Core capital (leverage) ratio | 16.1169% | 472 |
| Tier 1 risk-based capital ratio | 20.2534% | 1,496 |
| Total risk-based capital ratio | 21.1526% | 1,535 |
| Memoranda: | ||
| Average total assets | $65,157,000 | 5,266 |
| Average earning assets | $61,533,500 | 5,205 |
| Average equity | $10,740,750 | 4,582 |
| Average total loans | $45,194,000 | 4,872 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1310% | 2,787 |
| Cost of funding earning assets | 0.4008% | 3,267 |
| Net interest margin | 3.7301% | 2,580 |
| Noninterest income to average assets | 0.2274% | 5,339 |
| Noninterest expense to average assets | 3.4518% | 1,375 |
| Loan and lease loss provision to assets | 0.0935% | 2,257 |
| Net operating income to assets | 0.1900% | 5,722 |
| Return on assets (ROA) | 0.1900% | 5,782 |
| Pretax return on assets | 0.1900% | 5,829 |
| Return on Equity (ROE) | 1.1419% | 5,881 |
| Retained earnings to average equity (ytd only) | 1.1419% | 5,111 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4103% | 618 |
| Assets per employee ($millions) | 3.9178% | 4,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 4,658 |
| Loan loss allowance to noncurrent loans | 1,011.1111% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.0676% | 5,601 |
| Noncurrent loans to loans | 0.1029% | 5,336 |
| Net loans and leases to total assets | 64.9905% | 3,127 |
| Net loans and leases to deposits | 77.5870% | 3,084 |
| Net loans and leases to core deposits | 87.0733% | 2,650 |
| Total domestic deposits to total assets | 83.7648% | 3,661 |
| Equity capital to assets | 16.1241% | 515 |
| Core capital (leverage) ratio | 16.6687% | 390 |
| Tier 1 risk-based capital ratio | 23.4581% | 1,015 |
| Total risk-based capital ratio | 24.4417% | 1,040 |
| Memoranda: | ||
| Average total assets | $64,199,000 | 5,339 |
| Average earning assets | $60,373,330 | 5,300 |
| Average equity | $10,684,330 | 4,619 |
| Average total loans | $42,888,670 | 4,993 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1906% | 2,496 |
| Cost of funding earning assets | 0.3773% | 3,566 |
| Net interest margin | 3.8133% | 2,189 |
| Noninterest income to average assets | 0.2349% | 5,284 |
| Noninterest expense to average assets | 3.4160% | 1,461 |
| Loan and lease loss provision to assets | 0.1587% | 1,280 |
| Net operating income to assets | 0.2540% | 5,554 |
| Return on assets (ROA) | 0.2540% | 5,646 |
| Pretax return on assets | 0.2540% | 5,746 |
| Return on Equity (ROE) | 1.5014% | 5,806 |
| Retained earnings to average equity (ytd only) | 1.5014% | 4,886 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2206% | 917 |
| Assets per employee ($millions) | 3.8388% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1060% | 4,484 |
| 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 | 61.6595% | 3,425 |
| Net loans and leases to deposits | 73.8493% | 3,330 |
| Net loans and leases to core deposits | 82.5077% | 2,905 |
| Total domestic deposits to total assets | 83.4937% | 4,007 |
| Equity capital to assets | 16.4358% | 491 |
| Core capital (leverage) ratio | 16.9322% | 367 |
| Tier 1 risk-based capital ratio | 25.7453% | 809 |
| Total risk-based capital ratio | 26.8159% | 808 |
| Memoranda: | ||
| Average total assets | $62,997,500 | 5,426 |
| Average earning assets | $59,371,500 | 5,375 |
| Average equity | $10,657,000 | 4,664 |
| Average total loans | $42,463,000 | 5,050 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2459% | 2,795 |
| Cost of funding earning assets | 0.3970% | 3,726 |
| Net interest margin | 3.8489% | 2,433 |
| Noninterest income to average assets | 0.2299% | 5,482 |
| Noninterest expense to average assets | 3.3388% | 1,827 |
| Loan and lease loss provision to assets | 0.2043% | 1,232 |
| Net operating income to assets | 0.2956% | 5,530 |
| Return on assets (ROA) | 0.2956% | 5,600 |
| Pretax return on assets | 0.2956% | 5,709 |
| Return on Equity (ROE) | 2.0223% | 5,756 |
| Retained earnings to average equity (ytd only) | 2.0223% | 4,774 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9772% | 1,078 |
| Assets per employee ($millions) | 3.7959% | 4,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9607% | 5,243 |
| 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 | 72.1363% | 1,890 |
| Net loans and leases to deposits | 87.4561% | 1,796 |
| Net loans and leases to core deposits | 94.7327% | 1,844 |
| Total domestic deposits to total assets | 82.4829% | 4,257 |
| Equity capital to assets | 17.4331% | 370 |
| Core capital (leverage) ratio | 18.1969% | 283 |
| Tier 1 risk-based capital ratio | 24.5863% | 882 |
| Total risk-based capital ratio | 25.5563% | 896 |
| Memoranda: | ||
| Average total assets | $54,809,400 | 5,681 |
| Average earning assets | $51,390,800 | 5,635 |
| Average equity | $8,010,600 | 5,198 |
| Average total loans | $37,927,600 | 5,259 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1826% | 3,055 |
| Cost of funding earning assets | 0.4057% | 3,718 |
| Net interest margin | 3.7769% | 2,705 |
| Noninterest income to average assets | 0.2375% | 5,507 |
| Noninterest expense to average assets | 3.2577% | 1,999 |
| Loan and lease loss provision to assets | 0.1775% | 1,388 |
| Net operating income to assets | 0.3400% | 5,460 |
| Return on assets (ROA) | 0.3400% | 5,532 |
| Pretax return on assets | 0.3400% | 5,694 |
| Return on Equity (ROE) | 2.4616% | 5,718 |
| Retained earnings to average equity (ytd only) | 2.4616% | 4,824 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2914% | 1,157 |
| Assets per employee ($millions) | 3.7813% | 4,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 5,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 68.6102% | 2,447 |
| Net loans and leases to deposits | 84.2261% | 2,118 |
| Net loans and leases to core deposits | 91.8673% | 2,048 |
| Total domestic deposits to total assets | 81.4595% | 4,676 |
| Equity capital to assets | 18.4400% | 307 |
| Core capital (leverage) ratio | 18.6278% | 270 |
| Tier 1 risk-based capital ratio | 26.5890% | 741 |
| Total risk-based capital ratio | 27.5412% | 741 |
| Memoranda: | ||
| Average total assets | $53,328,000 | 5,778 |
| Average earning assets | $49,951,250 | 5,743 |
| Average equity | $7,366,250 | 5,369 |
| Average total loans | $36,350,250 | 5,372 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1000% | 3,339 |
| Cost of funding earning assets | 0.4063% | 3,808 |
| Net interest margin | 3.6937% | 2,987 |
| Noninterest income to average assets | 0.2376% | 5,498 |
| Noninterest expense to average assets | 3.0078% | 2,797 |
| Loan and lease loss provision to assets | 0.2146% | 1,096 |
| Net operating income to assets | 0.4636% | 4,959 |
| Return on assets (ROA) | 0.4636% | 5,031 |
| Pretax return on assets | 0.4636% | 5,381 |
| Return on Equity (ROE) | 3.8198% | 5,224 |
| Retained earnings to average equity (ytd only) | 3.8198% | 3,751 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6008% | 1,794 |
| Assets per employee ($millions) | 3.7253% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9556% | 5,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 68.4449% | 2,337 |
| Net loans and leases to deposits | 81.6128% | 2,298 |
| Net loans and leases to core deposits | 88.8928% | 2,222 |
| Total domestic deposits to total assets | 83.8654% | 3,970 |
| Equity capital to assets | 15.1557% | 666 |
| Core capital (leverage) ratio | 16.7492% | 385 |
| Tier 1 risk-based capital ratio | 21.9242% | 1,269 |
| Total risk-based capital ratio | 22.8517% | 1,304 |
| Memoranda: | ||
| Average total assets | $52,197,670 | 5,851 |
| Average earning assets | $48,732,000 | 5,818 |
| Average equity | $6,335,330 | 5,651 |
| Average total loans | $35,367,330 | 5,446 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0920% | 3,313 |
| Cost of funding earning assets | 0.4160% | 3,805 |
| Net interest margin | 3.6760% | 2,962 |
| Noninterest income to average assets | 0.2304% | 5,510 |
| Noninterest expense to average assets | 3.0185% | 2,803 |
| Loan and lease loss provision to assets | 0.1748% | 1,384 |
| Net operating income to assets | 0.4766% | 4,804 |
| Return on assets (ROA) | 0.4766% | 4,881 |
| Pretax return on assets | 0.4766% | 5,238 |
| Return on Equity (ROE) | 4.5554% | 4,763 |
| Retained earnings to average equity (ytd only) | 4.5554% | 3,390 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2511% | 1,893 |
| Assets per employee ($millions) | 4.6460% | 2,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9597% | 5,667 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 67.6457% | 2,275 |
| Net loans and leases to deposits | 80.0292% | 2,289 |
| Net loans and leases to core deposits | 87.2124% | 2,175 |
| Total domestic deposits to total assets | 84.5263% | 4,076 |
| Equity capital to assets | 10.4841% | 3,257 |
| Core capital (leverage) ratio | 11.0692% | 2,331 |
| Tier 1 risk-based capital ratio | 15.3235% | 3,540 |
| Total risk-based capital ratio | 16.2353% | 3,668 |
| Memoranda: | ||
| Average total assets | $50,356,500 | 5,953 |
| Average earning assets | $47,116,500 | 5,917 |
| Average equity | $5,268,500 | 5,932 |
| Average total loans | $33,743,000 | 5,557 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7746% | 4,897 |
| Cost of funding earning assets | 0.4329% | 4,290 |
| Net interest margin | 3.3417% | 4,513 |
| Noninterest income to average assets | 0.2369% | 5,654 |
| Noninterest expense to average assets | 2.8433% | 3,559 |
| Loan and lease loss provision to assets | 0.2567% | 1,400 |
| Net operating income to assets | 0.2194% | 5,779 |
| Return on assets (ROA) | 0.2391% | 5,784 |
| Pretax return on assets | 0.2391% | 5,868 |
| Return on Equity (ROE) | 2.0653% | 5,821 |
| Retained earnings to average equity (ytd only) | 2.0653% | 4,771 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6576% | 1,443 |
| Assets per employee ($millions) | 4.5097% | 2,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9607% | 5,722 |
| 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 | 65.0453% | 2,854 |
| Net loans and leases to deposits | 72.7193% | 3,426 |
| Net loans and leases to core deposits | 79.0490% | 3,234 |
| Total domestic deposits to total assets | 89.4471% | 1,363 |
| Equity capital to assets | 10.4401% | 3,236 |
| Core capital (leverage) ratio | 11.2973% | 2,124 |
| Tier 1 risk-based capital ratio | 15.7039% | 3,248 |
| Total risk-based capital ratio | 16.5876% | 3,412 |
| Memoranda: | ||
| Average total assets | $45,581,000 | 6,133 |
| Average earning assets | $42,044,200 | 6,109 |
| Average equity | $5,277,600 | 5,999 |
| Average total loans | $25,425,400 | 5,958 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6835% | 5,209 |
| Cost of funding earning assets | 0.4335% | 4,467 |
| Net interest margin | 3.2500% | 4,829 |
| Noninterest income to average assets | 0.2303% | 5,783 |
| Noninterest expense to average assets | 2.8506% | 3,485 |
| Loan and lease loss provision to assets | 0.2393% | 1,507 |
| Net operating income to assets | 0.1226% | 6,092 |
| Return on assets (ROA) | 0.1226% | 6,161 |
| Pretax return on assets | 0.1226% | 6,189 |
| Return on Equity (ROE) | 1.0311% | 6,176 |
| Retained earnings to average equity (ytd only) | 1.0311% | 5,568 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7337% | 1,108 |
| Assets per employee ($millions) | 4.3428% | 3,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 5,876 |
| 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 | 59.5026% | 3,776 |
| Net loans and leases to deposits | 69.9382% | 3,793 |
| Net loans and leases to core deposits | 76.6276% | 3,551 |
| Total domestic deposits to total assets | 85.0788% | 3,702 |
| Equity capital to assets | 10.6089% | 3,152 |
| Core capital (leverage) ratio | 11.8212% | 1,799 |
| Tier 1 risk-based capital ratio | 17.1819% | 2,633 |
| Total risk-based capital ratio | 18.0463% | 2,761 |
| Memoranda: | ||
| Average total assets | $44,574,500 | 6,235 |
| Average earning assets | $40,902,000 | 6,213 |
| Average equity | $5,302,250 | 6,060 |
| Average total loans | $23,636,750 | 6,108 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5648% | 5,544 |
| Cost of funding earning assets | 0.4387% | 4,562 |
| Net interest margin | 3.1261% | 5,202 |
| Noninterest income to average assets | 0.2298% | 5,803 |
| Noninterest expense to average assets | 2.9419% | 3,195 |
| Loan and lease loss provision to assets | 0.1609% | 2,317 |
| Net operating income to assets | -0.0230% | 6,327 |
| Return on assets (ROA) | -0.0230% | 6,384 |
| Pretax return on assets | -0.0230% | 6,376 |
| Return on Equity (ROE) | -0.1859% | 6,380 |
| Retained earnings to average equity (ytd only) | -0.1859% | 5,888 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5224% | 680 |
| Assets per employee ($millions) | 4.5717% | 2,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8770% | 6,198 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 57.1100% | 4,121 |
| Net loans and leases to deposits | 67.9161% | 4,028 |
| Net loans and leases to core deposits | 71.3400% | 4,131 |
| Total domestic deposits to total assets | 84.0891% | 4,282 |
| Equity capital to assets | 11.4312% | 2,353 |
| Core capital (leverage) ratio | 12.8595% | 1,218 |
| Tier 1 risk-based capital ratio | 18.1958% | 2,251 |
| Total risk-based capital ratio | 18.9696% | 2,394 |
| Memoranda: | ||
| Average total assets | $43,509,000 | 6,301 |
| Average earning assets | $39,666,000 | 6,291 |
| Average equity | $5,380,330 | 6,085 |
| Average total loans | $21,948,670 | 6,224 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4176% | 5,902 |
| Cost of funding earning assets | 0.4599% | 4,486 |
| Net interest margin | 2.9577% | 5,685 |
| Noninterest income to average assets | 0.2264% | 5,846 |
| Noninterest expense to average assets | 3.0185% | 2,927 |
| Loan and lease loss provision to assets | 0.0472% | 3,828 |
| Net operating income to assets | -0.1698% | 6,496 |
| Return on assets (ROA) | -0.1698% | 6,538 |
| Pretax return on assets | -0.1698% | 6,529 |
| Return on Equity (ROE) | -1.3193% | 6,522 |
| Retained earnings to average equity (ytd only) | -1.3193% | 5,998 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.2345% | 436 |
| Assets per employee ($millions) | 4.0142% | 3,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 6,012 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 49.9925% | 4,994 |
| Net loans and leases to deposits | 57.8145% | 5,060 |
| Net loans and leases to core deposits | 61.0545% | 5,051 |
| Total domestic deposits to total assets | 86.4705% | 3,257 |
| Equity capital to assets | 13.4448% | 1,232 |
| Core capital (leverage) ratio | 12.9434% | 1,137 |
| Tier 1 risk-based capital ratio | 21.9674% | 1,338 |
| Total risk-based capital ratio | 22.7834% | 1,389 |
| Memoranda: | ||
| Average total assets | $42,405,000 | 6,392 |
| Average earning assets | $38,273,000 | 6,394 |
| Average equity | $5,457,500 | 6,113 |
| Average total loans | $19,753,000 | 6,372 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4479% | 6,421 |
| Cost of funding earning assets | 0.5700% | 4,644 |
| Net interest margin | 2.8779% | 6,262 |
| Noninterest income to average assets | 0.2078% | 5,928 |
| Noninterest expense to average assets | 3.2867% | 2,382 |
| Loan and lease loss provision to assets | 0.1952% | 3,192 |
| Net operating income to assets | -0.6959% | 6,645 |
| Return on assets (ROA) | 0.0951% | 6,163 |
| Pretax return on assets | 0.0951% | 6,170 |
| Return on Equity (ROE) | 0.6999% | 6,187 |
| Retained earnings to average equity (ytd only) | 0.6999% | 5,520 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.9695% | 230 |
| Assets per employee ($millions) | 4.4668% | 3,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 5,898 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 42.6278% | 5,938 |
| Net loans and leases to deposits | 48.7868% | 6,054 |
| Net loans and leases to core deposits | 51.5639% | 6,047 |
| Total domestic deposits to total assets | 87.3757% | 2,592 |
| Equity capital to assets | 12.3534% | 1,823 |
| Core capital (leverage) ratio | 13.4792% | 955 |
| Tier 1 risk-based capital ratio | 22.6351% | 1,166 |
| Total risk-based capital ratio | 23.4533% | 1,199 |
| Memoranda: | ||
| Average total assets | $39,948,800 | 6,502 |
| Average earning assets | $35,790,200 | 6,508 |
| Average equity | $5,429,200 | 6,170 |
| Average total loans | $14,862,200 | 6,665 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4569% | 6,556 |
| Cost of funding earning assets | 0.6060% | 4,583 |
| Net interest margin | 2.8509% | 6,433 |
| Noninterest income to average assets | 0.2029% | 6,076 |
| Noninterest expense to average assets | 3.4597% | 1,860 |
| Loan and lease loss provision to assets | 0.1444% | 3,726 |
| Net operating income to assets | -0.8288% | 6,817 |
| Return on assets (ROA) | -0.7772% | 6,826 |
| Pretax return on assets | -0.7772% | 6,801 |
| Return on Equity (ROE) | -5.5730% | 6,739 |
| Retained earnings to average equity (ytd only) | -5.5730% | 6,650 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.6592% | 172 |
| Assets per employee ($millions) | 3.9173% | 4,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 6,204 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 41.8477% | 6,141 |
| Net loans and leases to deposits | 49.1058% | 6,183 |
| Net loans and leases to core deposits | 52.4006% | 6,157 |
| Total domestic deposits to total assets | 85.2194% | 3,653 |
| Equity capital to assets | 14.1092% | 1,117 |
| Core capital (leverage) ratio | 13.3477% | 1,058 |
| Tier 1 risk-based capital ratio | 24.5324% | 949 |
| Total risk-based capital ratio | 25.2939% | 998 |
| Memoranda: | ||
| Average total assets | $38,769,000 | 6,625 |
| Average earning assets | $34,982,250 | 6,618 |
| Average equity | $5,407,000 | 6,240 |
| Average total loans | $13,768,500 | 6,795 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4413% | 6,683 |
| Cost of funding earning assets | 0.6580% | 4,374 |
| Net interest margin | 2.7834% | 6,609 |
| Noninterest income to average assets | 0.2019% | 6,111 |
| Noninterest expense to average assets | 3.6393% | 1,490 |
| Loan and lease loss provision to assets | 0.1035% | 4,232 |
| Net operating income to assets | -1.0664% | 6,926 |
| Return on assets (ROA) | -1.0664% | 6,942 |
| Pretax return on assets | -1.0664% | 6,912 |
| Return on Equity (ROE) | -7.6765% | 6,853 |
| Retained earnings to average equity (ytd only) | -7.6765% | 6,750 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.9768% | 138 |
| Assets per employee ($millions) | 4.1741% | 3,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0460% | 5,979 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 34.7512% | 6,680 |
| Net loans and leases to deposits | 40.8838% | 6,700 |
| Net loans and leases to core deposits | 43.7544% | 6,672 |
| Total domestic deposits to total assets | 85.0001% | 3,863 |
| Equity capital to assets | 14.4701% | 925 |
| Core capital (leverage) ratio | 13.7803% | 872 |
| Tier 1 risk-based capital ratio | 29.0716% | 567 |
| Total risk-based capital ratio | 29.8471% | 587 |
| Memoranda: | ||
| Average total assets | $38,634,330 | 6,669 |
| Average earning assets | $34,347,000 | 6,674 |
| Average equity | $5,367,000 | 6,279 |
| Average total loans | $12,840,330 | 6,891 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4475% | 6,757 |
| Cost of funding earning assets | 0.7036% | 4,247 |
| Net interest margin | 2.7439% | 6,724 |
| Noninterest income to average assets | 0.2145% | 6,086 |
| Noninterest expense to average assets | 3.6765% | 1,416 |
| Loan and lease loss provision to assets | 0.2145% | 2,807 |
| Net operating income to assets | -1.2868% | 7,048 |
| Return on assets (ROA) | -1.2868% | 7,063 |
| Pretax return on assets | -1.2868% | 7,037 |
| Return on Equity (ROE) | -9.4515% | 6,979 |
| Retained earnings to average equity (ytd only) | -9.4515% | 6,822 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.1765% | 130 |
| Assets per employee ($millions) | 4.2388% | 3,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 6,229 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 35.9066% | 6,627 |
| Net loans and leases to deposits | 41.7139% | 6,673 |
| Net loans and leases to core deposits | 44.5507% | 6,637 |
| Total domestic deposits to total assets | 86.0783% | 3,485 |
| Equity capital to assets | 13.7566% | 1,109 |
| Core capital (leverage) ratio | 13.3822% | 992 |
| Tier 1 risk-based capital ratio | 27.6997% | 667 |
| Total risk-based capital ratio | 28.4288% | 697 |
| Memoranda: | ||
| Average total assets | $39,168,000 | 6,711 |
| Average earning assets | $34,112,000 | 6,733 |
| Average equity | $5,332,500 | 6,322 |
| Average total loans | $12,664,000 | 6,950 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0878% | 7,154 |
| Cost of funding earning assets | 0.7634% | 5,114 |
| Net interest margin | 2.3244% | 7,137 |
| Noninterest income to average assets | 0.2027% | 6,051 |
| Noninterest expense to average assets | 3.7923% | 1,361 |
| Loan and lease loss provision to assets | 0.0921% | 5,441 |
| Net operating income to assets | -1.5967% | 6,927 |
| Return on assets (ROA) | -1.0870% | 6,805 |
| Pretax return on assets | -1.0870% | 6,770 |
| Return on Equity (ROE) | -6.3745% | 6,603 |
| Retained earnings to average equity (ytd only) | -6.3745% | 6,533 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 165.7718% | 105 |
| Assets per employee ($millions) | 4.0187% | 3,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 6,090 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 28.3002% | 7,054 |
| Net loans and leases to deposits | 32.7780% | 7,077 |
| Net loans and leases to core deposits | 36.0156% | 7,035 |
| Total domestic deposits to total assets | 86.3389% | 3,121 |
| Equity capital to assets | 13.4795% | 1,274 |
| Core capital (leverage) ratio | 14.5230% | 708 |
| Tier 1 risk-based capital ratio | 32.0766% | 422 |
| Total risk-based capital ratio | 32.7828% | 438 |
| Memoranda: | ||
| Average total assets | $32,566,200 | 6,906 |
| Average earning assets | $29,212,200 | 6,894 |
| Average equity | $5,553,400 | 6,274 |
| Average total loans | $9,857,200 | 7,120 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1582% | 7,221 |
| Cost of funding earning assets | 0.7754% | 5,310 |
| Net interest margin | 2.3828% | 7,183 |
| Noninterest income to average assets | 0.2131% | 6,092 |
| Noninterest expense to average assets | 3.6571% | 1,587 |
| Loan and lease loss provision to assets | 0.1305% | 4,798 |
| Net operating income to assets | -1.3828% | 7,011 |
| Return on assets (ROA) | -1.3828% | 7,029 |
| Pretax return on assets | -1.3828% | 6,991 |
| Return on Equity (ROE) | -7.5882% | 6,796 |
| Retained earnings to average equity (ytd only) | -7.5882% | 6,744 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 152.0796% | 130 |
| Assets per employee ($millions) | 3.9056% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 5,462 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 27.6302% | 7,162 |
| Net loans and leases to deposits | 33.0374% | 7,156 |
| Net loans and leases to core deposits | 36.2537% | 7,113 |
| Total domestic deposits to total assets | 83.6330% | 4,413 |
| Equity capital to assets | 15.9118% | 642 |
| Core capital (leverage) ratio | 16.0399% | 501 |
| Tier 1 risk-based capital ratio | 35.3902% | 338 |
| Total risk-based capital ratio | 36.1673% | 351 |
| Memoranda: | ||
| Average total assets | $30,661,000 | 7,019 |
| Average earning assets | $28,201,000 | 6,988 |
| Average equity | $5,587,500 | 6,307 |
| Average total loans | $9,448,750 | 7,201 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2944% | 7,253 |
| Cost of funding earning assets | 0.7957% | 5,399 |
| Net interest margin | 2.4987% | 7,188 |
| Noninterest income to average assets | 0.2057% | 6,195 |
| Noninterest expense to average assets | 3.8265% | 1,313 |
| Loan and lease loss provision to assets | 0.1714% | 4,214 |
| Net operating income to assets | -1.4881% | 7,093 |
| Return on assets (ROA) | -1.4881% | 7,104 |
| Pretax return on assets | -1.4881% | 7,064 |
| Return on Equity (ROE) | -7.7699% | 6,855 |
| Retained earnings to average equity (ytd only) | -7.7699% | 6,761 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 152.4590% | 143 |
| Assets per employee ($millions) | 3.5973% | 4,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 5,837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 30.6029% | 7,160 |
| Net loans and leases to deposits | 37.0074% | 7,151 |
| Net loans and leases to core deposits | 40.9845% | 7,102 |
| Total domestic deposits to total assets | 82.6940% | 4,907 |
| Equity capital to assets | 17.0867% | 476 |
| Core capital (leverage) ratio | 18.2293% | 307 |
| Tier 1 risk-based capital ratio | 37.8421% | 282 |
| Total risk-based capital ratio | 38.6232% | 288 |
| Memoranda: | ||
| Average total assets | $29,164,670 | 7,127 |
| Average earning assets | $26,894,330 | 7,094 |
| Average equity | $5,585,670 | 6,346 |
| Average total loans | $9,321,670 | 7,276 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4683% | 7,225 |
| Cost of funding earning assets | 0.8161% | 5,492 |
| Net interest margin | 2.6522% | 7,070 |
| Noninterest income to average assets | 0.1887% | 6,371 |
| Noninterest expense to average assets | 3.7302% | 1,479 |
| Loan and lease loss provision to assets | 0.1451% | 4,195 |
| Net operating income to assets | -1.2337% | 7,113 |
| Return on assets (ROA) | -1.2337% | 7,117 |
| Pretax return on assets | -1.2337% | 7,073 |
| Return on Equity (ROE) | -6.0579% | 6,871 |
| Retained earnings to average equity (ytd only) | -6.0579% | 6,601 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.2088% | 210 |
| Assets per employee ($millions) | 4.1154% | 3,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 6,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 31.0157% | 7,206 |
| Net loans and leases to deposits | 38.4764% | 7,155 |
| Net loans and leases to core deposits | 41.7836% | 7,116 |
| Total domestic deposits to total assets | 80.6096% | 5,790 |
| Equity capital to assets | 19.2794% | 289 |
| Core capital (leverage) ratio | 20.9467% | 188 |
| Tier 1 risk-based capital ratio | 31.3205% | 463 |
| Total risk-based capital ratio | 31.8679% | 484 |
| Memoranda: | ||
| Average total assets | $27,559,000 | 7,220 |
| Average earning assets | $25,488,000 | 7,186 |
| Average equity | $5,612,500 | 6,361 |
| Average total loans | $8,972,000 | 7,343 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9000% | 7,506 |
| Cost of funding earning assets | 0.9203% | 6,079 |
| Net interest margin | 1.9797% | 7,461 |
| Noninterest income to average assets | 0.1875% | 6,417 |
| Noninterest expense to average assets | 4.2688% | 841 |
| Loan and lease loss provision to assets | 0.2398% | 4,887 |
| Net operating income to assets | -2.5203% | 7,179 |
| Return on assets (ROA) | -2.5203% | 7,197 |
| Pretax return on assets | -2.5203% | 7,171 |
| Return on Equity (ROE) | -9.6231% | 6,713 |
| Retained earnings to average equity (ytd only) | -9.6231% | 6,645 |
| Net charge-offs to loans | 0.0312% | 6,491 |
| Credit loss provision to net charge-offs | 2,750.0000% | 87 |
| Earnings coverage of net charge-offs (x) | -261.5000% | 6,846 |
| Efficiency ratio | 214.6930% | 77 |
| Assets per employee ($millions) | 3.7586% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9875% | 6,438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 33.5348% | 7,243 |
| Net loans and leases to deposits | 42.8738% | 7,155 |
| Net loans and leases to core deposits | 47.5813% | 7,091 |
| Total domestic deposits to total assets | 78.2174% | 6,272 |
| Equity capital to assets | 21.5545% | 192 |
| Core capital (leverage) ratio | 21.5598% | 181 |
| Tier 1 risk-based capital ratio | 45.2608% | 171 |
| Total risk-based capital ratio | 45.9606% | 173 |
| Memoranda: | ||
| Average total assets | $22,934,000 | 7,398 |
| Average earning assets | $20,862,200 | 7,381 |
| Average equity | $6,006,400 | 6,365 |
| Average total loans | $6,403,800 | 7,515 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7679% | 7,651 |
| Cost of funding earning assets | 0.9204% | 6,309 |
| Net interest margin | 1.8475% | 7,621 |
| Noninterest income to average assets | 0.1871% | 6,547 |
| Noninterest expense to average assets | 4.2009% | 825 |
| Loan and lease loss provision to assets | 0.2716% | 4,413 |
| Net operating income to assets | -2.6135% | 7,378 |
| Return on assets (ROA) | -2.6135% | 7,396 |
| Pretax return on assets | -2.6135% | 7,350 |
| Return on Equity (ROE) | -9.4794% | 6,904 |
| Retained earnings to average equity (ytd only) | -9.4794% | 6,849 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 225.9740% | 56 |
| Assets per employee ($millions) | 3.6831% | 4,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 6,042 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 28.5587% | 7,497 |
| Net loans and leases to deposits | 37.2678% | 7,444 |
| Net loans and leases to core deposits | 41.5261% | 7,392 |
| Total domestic deposits to total assets | 76.6310% | 6,551 |
| Equity capital to assets | 22.9773% | 168 |
| Core capital (leverage) ratio | 23.6050% | 143 |
| Tier 1 risk-based capital ratio | 31.7352% | 444 |
| Total risk-based capital ratio | 32.1711% | 471 |
| Memoranda: | ||
| Average total assets | $22,090,000 | 7,512 |
| Average earning assets | $19,990,250 | 7,493 |
| Average equity | $6,090,250 | 6,421 |
| Average total loans | $5,777,000 | 7,635 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7146% | 7,735 |
| Cost of funding earning assets | 0.9405% | 6,423 |
| Net interest margin | 1.7741% | 7,699 |
| Noninterest income to average assets | 0.1918% | 6,524 |
| Noninterest expense to average assets | 4.4201% | 633 |
| Loan and lease loss provision to assets | 0.2876% | 4,094 |
| Net operating income to assets | -2.9244% | 7,495 |
| Return on assets (ROA) | -2.9244% | 7,504 |
| Pretax return on assets | -2.9244% | 7,451 |
| Return on Equity (ROE) | -9.9257% | 6,965 |
| Retained earnings to average equity (ytd only) | -9.9257% | 6,914 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 247.8495% | 58 |
| Assets per employee ($millions) | 3.3799% | 5,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8879% | 6,799 |
| 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 | 30.6691% | 7,517 |
| Net loans and leases to deposits | 41.3659% | 7,407 |
| Net loans and leases to core deposits | 47.5025% | 7,304 |
| Total domestic deposits to total assets | 74.1409% | 6,957 |
| Equity capital to assets | 25.5125% | 129 |
| Core capital (leverage) ratio | 25.9269% | 119 |
| Tier 1 risk-based capital ratio | 51.8154% | 148 |
| Total risk-based capital ratio | 52.3814% | 150 |
| Memoranda: | ||
| Average total assets | $20,859,330 | 7,604 |
| Average earning assets | $18,713,330 | 7,593 |
| Average equity | $6,145,670 | 6,422 |
| Average total loans | $5,221,670 | 7,717 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6720% | 7,842 |
| Cost of funding earning assets | 0.9444% | 6,600 |
| Net interest margin | 1.7276% | 7,794 |
| Noninterest income to average assets | 0.1644% | 6,795 |
| Noninterest expense to average assets | 4.7894% | 440 |
| Loan and lease loss provision to assets | 0.3083% | 3,576 |
| Net operating income to assets | -3.3917% | 7,671 |
| Return on assets (ROA) | -3.3917% | 7,673 |
| Pretax return on assets | -3.3917% | 7,631 |
| Return on Equity (ROE) | -10.6443% | 7,158 |
| Retained earnings to average equity (ytd only) | -10.6443% | 6,997 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 280.7229% | 49 |
| Assets per employee ($millions) | 3.0937% | 6,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 5,853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 20.1653% | 7,782 |
| Net loans and leases to deposits | 28.2288% | 7,752 |
| Net loans and leases to core deposits | 28.2288% | 7,764 |
| Total domestic deposits to total assets | 71.4352% | 7,317 |
| Equity capital to assets | 28.3109% | 101 |
| Core capital (leverage) ratio | 30.0148% | 86 |
| Tier 1 risk-based capital ratio | 43.0631% | 209 |
| Total risk-based capital ratio | 43.4165% | 221 |
| Memoranda: | ||
| Average total assets | $19,459,500 | 7,733 |
| Average earning assets | $17,365,500 | 7,722 |
| Average equity | $6,200,500 | 6,454 |
| Average total loans | $4,172,000 | 7,840 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2620% | 7,961 |
| Cost of funding earning assets | 0.3434% | 7,888 |
| Net interest margin | 0.9186% | 7,937 |
| Noninterest income to average assets | 0.0659% | 7,418 |
| Noninterest expense to average assets | 15.7775% | 56 |
| Loan and lease loss provision to assets | 0.2564% | 5,344 |
| Net operating income to assets | -15.1842% | 7,997 |
| Return on assets (ROA) | -15.1842% | 7,997 |
| Pretax return on assets | -15.1842% | 7,998 |
| Return on Equity (ROE) | -32.2680% | 7,441 |
| Retained earnings to average equity (ytd only) | -32.2680% | 7,425 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,856.8966% | 7 |
| Assets per employee ($millions) | 2.4661% | 7,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8913% | 6,852 |
| 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 | 22.5453% | 7,832 |
| Net loans and leases to deposits | 35.5889% | 7,733 |
| Net loans and leases to core deposits | 50.3232% | 7,582 |
| Total domestic deposits to total assets | 63.3494% | 7,724 |
| Equity capital to assets | 36.3205% | 74 |
| Core capital (leverage) ratio | 44.2566% | 56 |
| Tier 1 risk-based capital ratio | 82.0913% | 73 |
| Total risk-based capital ratio | 82.5505% | 73 |
| Memoranda: | ||
| Average total assets | $13,652,330 | 7,925 |
| Average earning assets | $11,648,330 | 7,922 |
| Average equity | $6,424,330 | 6,453 |
| Average total loans | $2,558,000 | 7,944 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8212% | 8,070 |
| Cost of funding earning assets | 0.2558% | 8,015 |
| Net interest margin | 0.5654% | 8,050 |
| Noninterest income to average assets | 0.0450% | 7,668 |
| Noninterest expense to average assets | 21.5746% | 49 |
| Loan and lease loss provision to assets | 0.2251% | 5,169 |
| Net operating income to assets | -21.2819% | 8,089 |
| Return on assets (ROA) | -21.2819% | 8,088 |
| Pretax return on assets | -21.2819% | 8,088 |
| Return on Equity (ROE) | -38.7798% | 7,742 |
| Retained earnings to average equity (ytd only) | -38.7798% | 7,734 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 4,167.3913% | 4 |
| Assets per employee ($millions) | 1.8200% | 7,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6592% | 7,469 |
| 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 | 23.6578% | 7,904 |
| Net loans and leases to deposits | 47.9173% | 7,497 |
| Net loans and leases to core deposits | 62.2213% | 7,320 |
| Total domestic deposits to total assets | 49.3721% | 7,982 |
| Equity capital to assets | 50.4003% | 50 |
| Core capital (leverage) ratio | 53.0126% | 50 |
| Tier 1 risk-based capital ratio | 106.2800% | 59 |
| Total risk-based capital ratio | 106.6114% | 59 |
| Memoranda: | ||
| Average total assets | $11,847,000 | 8,030 |
| Average earning assets | $9,904,000 | 8,027 |
| Average equity | $6,501,500 | 6,485 |
| Average total loans | $1,873,500 | 8,033 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2419% | 8,183 |
| Cost of funding earning assets | 0.1540% | 8,136 |
| Net interest margin | 0.0880% | 8,175 |
| Noninterest income to average assets | 0.0183% | 7,875 |
| Noninterest expense to average assets | 31.4041% | 37 |
| Loan and lease loss provision to assets | 0.0365% | 6,876 |
| Net operating income to assets | -31.3493% | 8,189 |
| Return on assets (ROA) | -31.3493% | 8,190 |
| Pretax return on assets | -31.3493% | 8,190 |
| Return on Equity (ROE) | -52.1726% | 7,927 |
| Retained earnings to average equity (ytd only) | -52.1726% | 7,924 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34,400.0000% | 1 |
| Assets per employee ($millions) | 1.5649% | 8,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2805% | 8,003 |
| 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 | 6.4908% | 8,120 |
| Net loans and leases to deposits | 16.3036% | 8,100 |
| Net loans and leases to core deposits | 21.1544% | 8,083 |
| Total domestic deposits to total assets | 39.8119% | 8,098 |
| Equity capital to assets | 60.0876% | 48 |
| Core capital (leverage) ratio | 67.4178% | 38 |
| Tier 1 risk-based capital ratio | 171.9436% | 42 |
| Total risk-based capital ratio | 171.9436% | 42 |
| Memoranda: | ||
| Average total assets | $10,954,000 | 8,134 |
| Average earning assets | $9,093,000 | 8,127 |
| Average equity | $6,582,000 | 6,504 |
| Average total loans | $713,000 | 8,130 |