Home > The Commerce Bank > Performance and Condition Ratios
The Commerce Bank, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8676% | 1,854 |
| Cost of funding earning assets | 1.2659% | 848 |
| Net interest margin | 3.6017% | 3,128 |
| Noninterest income to average assets | 0.4188% | 3,182 |
| Noninterest expense to average assets | 3.1212% | 1,710 |
| Loan and lease loss provision to assets | 0.0081% | 3,845 |
| Net operating income to assets | 0.4592% | 4,489 |
| Return on assets (ROA) | 0.4592% | 4,525 |
| Pretax return on assets | 0.6187% | 4,381 |
| Return on Equity (ROE) | 3.8627% | 4,494 |
| Retained earnings to average equity (ytd only) | 3.8627% | 3,036 |
| Net charge-offs to loans | 0.0014% | 3,670 |
| Credit loss provision to net charge-offs | 750.0000% | 427 |
| Earnings coverage of net charge-offs (x) | 581.5000% | 169 |
| Efficiency ratio | 83.2758% | 706 |
| Assets per employee ($millions) | 6.0875% | 1,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 3,362 |
| 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 | 78.0431% | 1,078 |
| Net loans and leases to deposits | 98.7624% | 694 |
| Net loans and leases to core deposits | 109.9109% | 855 |
| Total domestic deposits to total assets | 79.0211% | 4,183 |
| Equity capital to assets | 12.3290% | 1,936 |
| Core capital (leverage) ratio | 10.3121% | 3,177 |
| Tier 1 risk-based capital ratio | 13.2192% | 3,668 |
| Total risk-based capital ratio | 14.0989% | 3,758 |
| Memoranda: | ||
| Average total assets | $185,539,400 | 2,958 |
| Average earning assets | $171,500,600 | 2,969 |
| Average equity | $22,057,000 | 2,955 |
| Average total loans | $144,031,600 | 2,677 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8278% | 2,039 |
| Cost of funding earning assets | 1.1903% | 1,058 |
| Net interest margin | 3.6375% | 3,145 |
| Noninterest income to average assets | 0.3887% | 3,384 |
| Noninterest expense to average assets | 2.8768% | 2,328 |
| Loan and lease loss provision to assets | 0.0107% | 3,673 |
| Net operating income to assets | 0.6392% | 4,186 |
| Return on assets (ROA) | 0.6392% | 4,236 |
| Pretax return on assets | 0.8675% | 3,960 |
| Return on Equity (ROE) | 5.4262% | 4,205 |
| Retained earnings to average equity (ytd only) | 5.4262% | 2,659 |
| Net charge-offs to loans | 0.0019% | 3,379 |
| Credit loss provision to net charge-offs | 750.0000% | 452 |
| Earnings coverage of net charge-offs (x) | 612.7191% | 161 |
| Efficiency ratio | 76.6108% | 1,254 |
| Assets per employee ($millions) | 6.0558% | 1,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 3,485 |
| 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 | 76.5060% | 1,393 |
| Net loans and leases to deposits | 96.2756% | 983 |
| Net loans and leases to core deposits | 106.8456% | 1,121 |
| Total domestic deposits to total assets | 79.4656% | 4,092 |
| Equity capital to assets | 12.0296% | 2,235 |
| Core capital (leverage) ratio | 11.7771% | 2,019 |
| Tier 1 risk-based capital ratio | 13.2146% | 3,732 |
| Total risk-based capital ratio | 14.0934% | 3,831 |
| Memoranda: | ||
| Average total assets | $186,267,750 | 2,979 |
| Average earning assets | $172,385,750 | 2,986 |
| Average equity | $21,942,250 | 2,991 |
| Average total loans | $144,039,500 | 2,705 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8480% | 1,913 |
| Cost of funding earning assets | 1.2129% | 955 |
| Net interest margin | 3.6351% | 3,144 |
| Noninterest income to average assets | 0.3316% | 3,725 |
| Noninterest expense to average assets | 2.8808% | 2,330 |
| Loan and lease loss provision to assets | 0.0161% | 3,462 |
| Net operating income to assets | 0.5953% | 4,318 |
| Return on assets (ROA) | 0.5953% | 4,353 |
| Pretax return on assets | 0.8031% | 4,087 |
| Return on Equity (ROE) | 5.0900% | 4,324 |
| Retained earnings to average equity (ytd only) | 5.0900% | 2,721 |
| Net charge-offs to loans | -0.0014% | 3,915 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8586% | 1,170 |
| Assets per employee ($millions) | 6.3148% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 3,470 |
| Loan loss allowance to noncurrent loans | 730.6931% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.1032% | 4,238 |
| Noncurrent loans to loans | 0.1405% | 4,055 |
| Net loans and leases to total assets | 72.7035% | 2,117 |
| Net loans and leases to deposits | 90.1914% | 1,714 |
| Net loans and leases to core deposits | 103.4986% | 1,428 |
| Total domestic deposits to total assets | 80.6102% | 3,915 |
| Equity capital to assets | 11.3267% | 2,762 |
| Core capital (leverage) ratio | 10.4471% | 3,144 |
| Tier 1 risk-based capital ratio | 13.0145% | 3,830 |
| Total risk-based capital ratio | 13.8964% | 3,939 |
| Memoranda: | ||
| Average total assets | $185,780,670 | 2,992 |
| Average earning assets | $172,154,670 | 3,001 |
| Average equity | $21,728,670 | 3,002 |
| Average total loans | $143,687,000 | 2,719 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7615% | 2,030 |
| Cost of funding earning assets | 1.1372% | 1,072 |
| Net interest margin | 3.6243% | 3,161 |
| Noninterest income to average assets | 0.2611% | 4,142 |
| Noninterest expense to average assets | 2.9161% | 2,231 |
| Loan and lease loss provision to assets | 0.0332% | 2,966 |
| Net operating income to assets | 0.5000% | 4,521 |
| Return on assets (ROA) | 0.5000% | 4,541 |
| Pretax return on assets | 0.6682% | 4,376 |
| Return on Equity (ROE) | 4.2034% | 4,530 |
| Retained earnings to average equity (ytd only) | 4.2034% | 3,238 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6116% | 997 |
| Assets per employee ($millions) | 5.7662% | 1,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 3,573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 79.9500% | 841 |
| Net loans and leases to deposits | 97.6936% | 813 |
| Net loans and leases to core deposits | 120.9303% | 501 |
| Total domestic deposits to total assets | 81.8375% | 3,767 |
| Equity capital to assets | 12.1240% | 1,948 |
| Core capital (leverage) ratio | 11.8269% | 1,886 |
| Tier 1 risk-based capital ratio | 12.9577% | 3,895 |
| Total risk-based capital ratio | 13.8498% | 3,983 |
| Memoranda: | ||
| Average total assets | $180,792,000 | 3,077 |
| Average earning assets | $167,427,500 | 3,086 |
| Average equity | $21,506,500 | 3,026 |
| Average total loans | $143,631,000 | 2,757 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3092% | 3,071 |
| Cost of funding earning assets | 0.9322% | 987 |
| Net interest margin | 3.3769% | 4,063 |
| Noninterest income to average assets | 0.4405% | 3,164 |
| Noninterest expense to average assets | 2.8603% | 2,481 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5226% | 4,610 |
| Return on assets (ROA) | 0.5226% | 4,608 |
| Pretax return on assets | 0.6968% | 4,424 |
| Return on Equity (ROE) | 4.5273% | 4,583 |
| Retained earnings to average equity (ytd only) | 4.5273% | 3,039 |
| Net charge-offs to loans | 0.0302% | 2,797 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 31.2000% | 1,555 |
| Efficiency ratio | 80.4112% | 923 |
| Assets per employee ($millions) | 6.0944% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0219% | 3,546 |
| 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 | 77.3468% | 1,385 |
| Net loans and leases to deposits | 96.9698% | 977 |
| Net loans and leases to core deposits | 118.0496% | 619 |
| Total domestic deposits to total assets | 79.7638% | 4,156 |
| Equity capital to assets | 11.6725% | 2,118 |
| Core capital (leverage) ratio | 11.7714% | 1,896 |
| Tier 1 risk-based capital ratio | 13.0994% | 3,788 |
| Total risk-based capital ratio | 14.0028% | 3,870 |
| Memoranda: | ||
| Average total assets | $179,105,000 | 3,064 |
| Average earning assets | $165,299,200 | 3,075 |
| Average equity | $20,674,600 | 3,023 |
| Average total loans | $132,606,000 | 2,853 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1789% | 3,388 |
| Cost of funding earning assets | 0.8929% | 953 |
| Net interest margin | 3.2860% | 4,316 |
| Noninterest income to average assets | 0.4684% | 3,055 |
| Noninterest expense to average assets | 2.9641% | 2,130 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3906% | 4,977 |
| Return on assets (ROA) | 0.3906% | 4,975 |
| Pretax return on assets | 0.5335% | 4,849 |
| Return on Equity (ROE) | 3.3937% | 4,948 |
| Retained earnings to average equity (ytd only) | 3.3937% | 4,067 |
| Net charge-offs to loans | 0.0410% | 2,263 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 17.8256% | 2,093 |
| Efficiency ratio | 84.7454% | 600 |
| Assets per employee ($millions) | 6.3146% | 1,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 3,167 |
| Loan loss allowance to noncurrent loans | 619.0678% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.1335% | 4,288 |
| Noncurrent loans to loans | 0.1784% | 4,090 |
| Net loans and leases to total assets | 74.0015% | 1,982 |
| Net loans and leases to deposits | 90.1818% | 1,869 |
| Net loans and leases to core deposits | 106.2003% | 1,293 |
| Total domestic deposits to total assets | 82.0581% | 3,592 |
| Equity capital to assets | 11.7674% | 2,056 |
| Core capital (leverage) ratio | 11.6456% | 2,050 |
| Tier 1 risk-based capital ratio | 13.6323% | 3,556 |
| Total risk-based capital ratio | 14.5955% | 3,631 |
| Memoranda: | ||
| Average total assets | $178,173,500 | 3,095 |
| Average earning assets | $164,250,250 | 3,107 |
| Average equity | $20,508,000 | 3,063 |
| Average total loans | $130,039,000 | 2,898 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0576% | 3,586 |
| Cost of funding earning assets | 0.8470% | 931 |
| Net interest margin | 3.2106% | 4,473 |
| Noninterest income to average assets | 0.4949% | 2,888 |
| Noninterest expense to average assets | 3.0667% | 1,867 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2822% | 5,144 |
| Return on assets (ROA) | 0.2822% | 5,138 |
| Pretax return on assets | 0.3863% | 5,056 |
| Return on Equity (ROE) | 2.4695% | 5,105 |
| Retained earnings to average equity (ytd only) | 2.4695% | 4,276 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8132% | 416 |
| Assets per employee ($millions) | 6.6103% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1689% | 2,886 |
| Loan loss allowance to noncurrent loans | 833.3333% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.0973% | 4,519 |
| Noncurrent loans to loans | 0.1403% | 4,270 |
| Net loans and leases to total assets | 68.5238% | 2,791 |
| Net loans and leases to deposits | 84.6493% | 2,458 |
| Net loans and leases to core deposits | 98.5738% | 1,852 |
| Total domestic deposits to total assets | 80.9502% | 4,008 |
| Equity capital to assets | 11.1087% | 2,536 |
| Core capital (leverage) ratio | 11.2782% | 2,278 |
| Tier 1 risk-based capital ratio | 14.1694% | 3,278 |
| Total risk-based capital ratio | 15.2117% | 3,300 |
| Memoranda: | ||
| Average total assets | $178,628,000 | 3,110 |
| Average earning assets | $164,579,670 | 3,123 |
| Average equity | $20,408,670 | 3,089 |
| Average total loans | $129,284,330 | 2,915 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0334% | 3,494 |
| Cost of funding earning assets | 0.7794% | 1,051 |
| Net interest margin | 3.2541% | 4,302 |
| Noninterest income to average assets | 0.4698% | 2,995 |
| Noninterest expense to average assets | 3.1699% | 1,638 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2121% | 5,229 |
| Return on assets (ROA) | 0.2121% | 5,228 |
| Pretax return on assets | 0.2896% | 5,177 |
| Return on Equity (ROE) | 1.8296% | 5,203 |
| Retained earnings to average equity (ytd only) | 1.8296% | 4,403 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6282% | 377 |
| Assets per employee ($millions) | 6.0127% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 3,117 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 71.7926% | 2,203 |
| Net loans and leases to deposits | 90.2019% | 1,667 |
| Net loans and leases to core deposits | 104.1616% | 1,365 |
| Total domestic deposits to total assets | 79.5911% | 4,477 |
| Equity capital to assets | 11.3016% | 2,298 |
| Core capital (leverage) ratio | 11.8470% | 1,751 |
| Tier 1 risk-based capital ratio | 13.7978% | 3,498 |
| Total risk-based capital ratio | 14.8243% | 3,522 |
| Memoranda: | ||
| Average total assets | $175,397,500 | 3,182 |
| Average earning assets | $161,153,000 | 3,204 |
| Average equity | $20,332,500 | 3,128 |
| Average total loans | $129,761,500 | 2,939 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0289% | 3,313 |
| Cost of funding earning assets | 0.6656% | 1,213 |
| Net interest margin | 3.3633% | 3,960 |
| Noninterest income to average assets | 0.4951% | 3,033 |
| Noninterest expense to average assets | 3.0823% | 1,910 |
| Loan and lease loss provision to assets | 0.2228% | 885 |
| Net operating income to assets | 0.0006% | 5,357 |
| Return on assets (ROA) | 0.0006% | 5,359 |
| Pretax return on assets | 0.2974% | 5,212 |
| Return on Equity (ROE) | 0.0049% | 5,359 |
| Retained earnings to average equity (ytd only) | 0.0049% | 5,009 |
| Net charge-offs to loans | 0.0498% | 2,796 |
| Credit loss provision to net charge-offs | 612.0690% | 527 |
| Earnings coverage of net charge-offs (x) | 14.2931% | 2,339 |
| Efficiency ratio | 85.5600% | 667 |
| Assets per employee ($millions) | 5.4972% | 1,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 2,973 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 74.5377% | 1,829 |
| Net loans and leases to deposits | 94.8647% | 1,185 |
| Net loans and leases to core deposits | 112.3353% | 883 |
| Total domestic deposits to total assets | 78.5726% | 4,629 |
| Equity capital to assets | 11.8999% | 1,910 |
| Core capital (leverage) ratio | 11.8564% | 1,685 |
| Tier 1 risk-based capital ratio | 13.8510% | 3,446 |
| Total risk-based capital ratio | 14.8873% | 3,470 |
| Memoranda: | ||
| Average total assets | $159,360,800 | 3,358 |
| Average earning assets | $147,235,200 | 3,359 |
| Average equity | $20,262,600 | 3,117 |
| Average total loans | $116,579,800 | 3,099 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9500% | 3,519 |
| Cost of funding earning assets | 0.6400% | 1,307 |
| Net interest margin | 3.3100% | 4,134 |
| Noninterest income to average assets | 0.4564% | 3,301 |
| Noninterest expense to average assets | 3.1673% | 1,641 |
| Loan and lease loss provision to assets | 0.2129% | 887 |
| Net operating income to assets | 0.0885% | 5,453 |
| Return on assets (ROA) | 0.0885% | 5,465 |
| Pretax return on assets | 0.1456% | 5,426 |
| Return on Equity (ROE) | 0.6845% | 5,468 |
| Retained earnings to average equity (ytd only) | 0.6845% | 5,068 |
| Net charge-offs to loans | 0.0681% | 2,145 |
| Credit loss provision to net charge-offs | 431.0345% | 724 |
| Earnings coverage of net charge-offs (x) | 7.2588% | 2,899 |
| Efficiency ratio | 89.8334% | 414 |
| Assets per employee ($millions) | 5.8481% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 3,474 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 73.8479% | 1,941 |
| Net loans and leases to deposits | 94.3173% | 1,264 |
| Net loans and leases to core deposits | 111.5661% | 949 |
| Total domestic deposits to total assets | 78.2972% | 4,672 |
| Equity capital to assets | 12.0221% | 1,954 |
| Core capital (leverage) ratio | 12.4345% | 1,442 |
| Tier 1 risk-based capital ratio | 14.6480% | 3,103 |
| Total risk-based capital ratio | 15.6734% | 3,144 |
| Memoranda: | ||
| Average total assets | $156,597,750 | 3,421 |
| Average earning assets | $145,212,000 | 3,408 |
| Average equity | $20,258,500 | 3,135 |
| Average total loans | $113,594,250 | 3,167 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8492% | 3,721 |
| Cost of funding earning assets | 0.6137% | 1,367 |
| Net interest margin | 3.2355% | 4,310 |
| Noninterest income to average assets | 0.4229% | 3,542 |
| Noninterest expense to average assets | 3.2194% | 1,540 |
| Loan and lease loss provision to assets | 0.1773% | 1,083 |
| Net operating income to assets | 0.0210% | 5,542 |
| Return on assets (ROA) | 0.0210% | 5,544 |
| Pretax return on assets | 0.0315% | 5,537 |
| Return on Equity (ROE) | 0.1583% | 5,546 |
| Retained earnings to average equity (ytd only) | 0.1583% | 5,035 |
| Net charge-offs to loans | 0.1062% | 1,566 |
| Credit loss provision to net charge-offs | 232.7586% | 1,129 |
| Earnings coverage of net charge-offs (x) | 2.7414% | 3,134 |
| Efficiency ratio | 93.9080% | 311 |
| Assets per employee ($millions) | 5.7242% | 1,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 3,583 |
| Loan loss allowance to noncurrent loans | 21,333.3333% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 5,291 |
| Noncurrent loans to loans | 0.0052% | 5,172 |
| Net loans and leases to total assets | 74.4387% | 1,789 |
| Net loans and leases to deposits | 97.5504% | 931 |
| Net loans and leases to core deposits | 116.8261% | 689 |
| Total domestic deposits to total assets | 76.3080% | 5,056 |
| Equity capital to assets | 13.1229% | 1,315 |
| Core capital (leverage) ratio | 12.6316% | 1,326 |
| Tier 1 risk-based capital ratio | 16.1539% | 2,443 |
| Total risk-based capital ratio | 17.1971% | 2,469 |
| Memoranda: | ||
| Average total assets | $152,265,000 | 3,491 |
| Average earning assets | $141,433,000 | 3,473 |
| Average equity | $20,215,000 | 3,137 |
| Average total loans | $109,246,330 | 3,235 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7280% | 4,017 |
| Cost of funding earning assets | 0.5696% | 1,589 |
| Net interest margin | 3.1584% | 4,475 |
| Noninterest income to average assets | 0.3944% | 3,707 |
| Noninterest expense to average assets | 3.1339% | 1,780 |
| Loan and lease loss provision to assets | 0.1853% | 916 |
| Net operating income to assets | 0.0053% | 5,600 |
| Return on assets (ROA) | 0.0053% | 5,607 |
| Pretax return on assets | 0.0106% | 5,595 |
| Return on Equity (ROE) | 0.0396% | 5,607 |
| Retained earnings to average equity (ytd only) | 0.0396% | 4,906 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1176% | 380 |
| Assets per employee ($millions) | 5.8033% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 3,310 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 71.2883% | 2,173 |
| Net loans and leases to deposits | 91.9225% | 1,336 |
| Net loans and leases to core deposits | 106.7474% | 1,047 |
| Total domestic deposits to total assets | 77.5526% | 5,035 |
| Equity capital to assets | 13.4333% | 1,095 |
| Core capital (leverage) ratio | 13.1664% | 1,076 |
| Tier 1 risk-based capital ratio | 17.0967% | 2,152 |
| Total risk-based capital ratio | 18.1956% | 2,156 |
| Memoranda: | ||
| Average total assets | $151,120,500 | 3,543 |
| Average earning assets | $140,451,000 | 3,519 |
| Average equity | $20,181,500 | 3,147 |
| Average total loans | $105,705,500 | 3,305 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7482% | 4,057 |
| Cost of funding earning assets | 0.6002% | 1,328 |
| Net interest margin | 3.1481% | 4,592 |
| Noninterest income to average assets | 0.6682% | 2,325 |
| Noninterest expense to average assets | 2.7807% | 3,086 |
| Loan and lease loss provision to assets | 0.1490% | 1,673 |
| Net operating income to assets | 0.4186% | 4,880 |
| Return on assets (ROA) | 0.4186% | 4,962 |
| Pretax return on assets | 0.6846% | 4,547 |
| Return on Equity (ROE) | 3.2701% | 5,079 |
| Retained earnings to average equity (ytd only) | 3.2701% | 3,583 |
| Net charge-offs to loans | 0.0011% | 4,249 |
| Credit loss provision to net charge-offs | 20,000.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 1,119.0000% | 60 |
| Efficiency ratio | 76.9373% | 1,859 |
| Assets per employee ($millions) | 5.8213% | 1,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 3,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 66.9757% | 2,936 |
| Net loans and leases to deposits | 86.3386% | 2,126 |
| Net loans and leases to core deposits | 102.4477% | 1,417 |
| Total domestic deposits to total assets | 77.5733% | 5,040 |
| Equity capital to assets | 13.2761% | 1,144 |
| Core capital (leverage) ratio | 13.1661% | 1,075 |
| Tier 1 risk-based capital ratio | 18.5797% | 1,705 |
| Total risk-based capital ratio | 19.7045% | 1,704 |
| Memoranda: | ||
| Average total assets | $134,245,000 | 3,765 |
| Average earning assets | $125,632,800 | 3,726 |
| Average equity | $17,186,200 | 3,530 |
| Average total loans | $94,425,400 | 3,491 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7511% | 4,078 |
| Cost of funding earning assets | 0.5996% | 1,334 |
| Net interest margin | 3.1514% | 4,630 |
| Noninterest income to average assets | 0.6555% | 2,389 |
| Noninterest expense to average assets | 2.8242% | 2,920 |
| Loan and lease loss provision to assets | 0.1077% | 2,130 |
| Net operating income to assets | 0.3703% | 5,112 |
| Return on assets (ROA) | 0.3703% | 5,202 |
| Pretax return on assets | 0.6781% | 4,673 |
| Return on Equity (ROE) | 2.9243% | 5,241 |
| Retained earnings to average equity (ytd only) | 2.9243% | 4,149 |
| Net charge-offs to loans | 0.0029% | 3,835 |
| Credit loss provision to net charge-offs | 5,250.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 382.5131% | 236 |
| Efficiency ratio | 78.2325% | 1,657 |
| Assets per employee ($millions) | 6.2084% | 1,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 3,632 |
| Loan loss allowance to noncurrent loans | 2,128.8462% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 5,337 |
| Noncurrent loans to loans | 0.0534% | 5,140 |
| Net loans and leases to total assets | 67.4083% | 2,886 |
| Net loans and leases to deposits | 87.9017% | 2,028 |
| Net loans and leases to core deposits | 107.9080% | 1,060 |
| Total domestic deposits to total assets | 76.6860% | 5,137 |
| Equity capital to assets | 13.9376% | 1,061 |
| Core capital (leverage) ratio | 14.0760% | 826 |
| Tier 1 risk-based capital ratio | 19.2183% | 1,623 |
| Total risk-based capital ratio | 20.3027% | 1,613 |
| Memoranda: | ||
| Average total assets | $129,967,500 | 3,853 |
| Average earning assets | $121,846,750 | 3,817 |
| Average equity | $16,459,250 | 3,666 |
| Average total loans | $92,388,250 | 3,541 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7910% | 3,986 |
| Cost of funding earning assets | 0.5943% | 1,360 |
| Net interest margin | 3.1967% | 4,549 |
| Noninterest income to average assets | 0.6269% | 2,479 |
| Noninterest expense to average assets | 2.8148% | 2,982 |
| Loan and lease loss provision to assets | 0.1193% | 1,908 |
| Net operating income to assets | 0.3835% | 5,084 |
| Return on assets (ROA) | 0.3835% | 5,163 |
| Pretax return on assets | 0.6969% | 4,626 |
| Return on Equity (ROE) | 3.1479% | 5,205 |
| Retained earnings to average equity (ytd only) | 3.1479% | 3,896 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5197% | 1,858 |
| Assets per employee ($millions) | 6.3101% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1473% | 3,666 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 70.1554% | 2,456 |
| Net loans and leases to deposits | 93.4679% | 1,346 |
| Net loans and leases to core deposits | 119.3910% | 531 |
| Total domestic deposits to total assets | 75.0583% | 5,405 |
| Equity capital to assets | 14.9268% | 746 |
| Core capital (leverage) ratio | 15.6761% | 500 |
| Tier 1 risk-based capital ratio | 20.1155% | 1,438 |
| Total risk-based capital ratio | 21.2340% | 1,421 |
| Memoranda: | ||
| Average total assets | $125,692,000 | 3,948 |
| Average earning assets | $118,121,000 | 3,912 |
| Average equity | $15,311,670 | 3,828 |
| Average total loans | $90,730,330 | 3,591 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8357% | 3,825 |
| Cost of funding earning assets | 0.5917% | 1,390 |
| Net interest margin | 3.2440% | 4,419 |
| Noninterest income to average assets | 0.5594% | 2,747 |
| Noninterest expense to average assets | 3.0160% | 2,344 |
| Loan and lease loss provision to assets | 0.1308% | 1,613 |
| Net operating income to assets | 0.2617% | 5,407 |
| Return on assets (ROA) | 0.2617% | 5,473 |
| Pretax return on assets | 0.4612% | 5,181 |
| Return on Equity (ROE) | 2.4470% | 5,387 |
| Retained earnings to average equity (ytd only) | 2.4470% | 4,280 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5902% | 1,198 |
| Assets per employee ($millions) | 5.8386% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1507% | 3,762 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0326% | 5,513 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 73.1443% | 1,862 |
| Net loans and leases to deposits | 93.6676% | 1,179 |
| Net loans and leases to core deposits | 122.0110% | 412 |
| Total domestic deposits to total assets | 78.0892% | 5,134 |
| Equity capital to assets | 11.1075% | 2,818 |
| Core capital (leverage) ratio | 10.8232% | 2,601 |
| Tier 1 risk-based capital ratio | 13.5286% | 3,964 |
| Total risk-based capital ratio | 14.6099% | 3,988 |
| Memoranda: | ||
| Average total assets | $122,281,500 | 4,038 |
| Average earning assets | $114,921,500 | 3,991 |
| Average equity | $13,077,500 | 4,155 |
| Average total loans | $89,073,500 | 3,641 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8332% | 3,937 |
| Cost of funding earning assets | 0.5595% | 1,679 |
| Net interest margin | 3.2737% | 4,398 |
| Noninterest income to average assets | 0.6728% | 2,333 |
| Noninterest expense to average assets | 2.9573% | 2,678 |
| Loan and lease loss provision to assets | 0.1553% | 1,508 |
| Net operating income to assets | 0.3781% | 5,115 |
| Return on assets (ROA) | 0.3781% | 5,202 |
| Pretax return on assets | 0.6550% | 4,662 |
| Return on Equity (ROE) | 3.4834% | 5,146 |
| Retained earnings to average equity (ytd only) | 3.4834% | 3,578 |
| Net charge-offs to loans | 0.1086% | 2,298 |
| Credit loss provision to net charge-offs | 198.8636% | 1,410 |
| Earnings coverage of net charge-offs (x) | 10.3750% | 2,689 |
| Efficiency ratio | 78.4923% | 1,889 |
| Assets per employee ($millions) | 5.8072% | 1,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1485% | 3,763 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 5,555 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 70.8607% | 2,230 |
| Net loans and leases to deposits | 89.9604% | 1,622 |
| Net loans and leases to core deposits | 120.0389% | 477 |
| Total domestic deposits to total assets | 78.7687% | 5,020 |
| Equity capital to assets | 10.2795% | 3,648 |
| Core capital (leverage) ratio | 10.1215% | 3,365 |
| Tier 1 risk-based capital ratio | 13.1844% | 4,178 |
| Total risk-based capital ratio | 14.2890% | 4,195 |
| Memoranda: | ||
| Average total assets | $112,670,800 | 4,203 |
| Average earning assets | $106,516,200 | 4,130 |
| Average equity | $12,229,400 | 4,259 |
| Average total loans | $81,028,600 | 3,793 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8190% | 4,031 |
| Cost of funding earning assets | 0.5498% | 1,809 |
| Net interest margin | 3.2692% | 4,456 |
| Noninterest income to average assets | 0.6947% | 2,250 |
| Noninterest expense to average assets | 3.1306% | 2,138 |
| Loan and lease loss provision to assets | 0.1510% | 1,445 |
| Net operating income to assets | 0.2972% | 5,456 |
| Return on assets (ROA) | 0.2972% | 5,539 |
| Pretax return on assets | 0.5026% | 5,210 |
| Return on Equity (ROE) | 2.6989% | 5,481 |
| Retained earnings to average equity (ytd only) | 2.6989% | 4,495 |
| Net charge-offs to loans | 0.1511% | 1,627 |
| Credit loss provision to net charge-offs | 138.8889% | 1,780 |
| Earnings coverage of net charge-offs (x) | 6.0110% | 3,117 |
| Efficiency ratio | 82.7267% | 1,301 |
| Assets per employee ($millions) | 6.1754% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1095% | 4,169 |
| Loan loss allowance to noncurrent loans | 447.4178% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.5932% | 3,499 |
| Noncurrent loans to loans | 0.2480% | 4,687 |
| Net loans and leases to total assets | 72.3923% | 1,999 |
| Net loans and leases to deposits | 92.8448% | 1,323 |
| Net loans and leases to core deposits | 123.2247% | 396 |
| Total domestic deposits to total assets | 77.9712% | 5,189 |
| Equity capital to assets | 10.5367% | 3,566 |
| Core capital (leverage) ratio | 9.9678% | 3,681 |
| Tier 1 risk-based capital ratio | 13.2087% | 4,314 |
| Total risk-based capital ratio | 14.3016% | 4,318 |
| Memoranda: | ||
| Average total assets | $110,350,500 | 4,300 |
| Average earning assets | $104,284,000 | 4,235 |
| Average equity | $12,152,750 | 4,324 |
| Average total loans | $79,430,750 | 3,879 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8242% | 3,977 |
| Cost of funding earning assets | 0.5382% | 1,918 |
| Net interest margin | 3.2860% | 4,351 |
| Noninterest income to average assets | 0.7998% | 1,780 |
| Noninterest expense to average assets | 3.1586% | 2,101 |
| Loan and lease loss provision to assets | 0.2296% | 811 |
| Net operating income to assets | 0.3073% | 5,418 |
| Return on assets (ROA) | 0.3073% | 5,518 |
| Pretax return on assets | 0.5203% | 5,177 |
| Return on Equity (ROE) | 2.7477% | 5,496 |
| Retained earnings to average equity (ytd only) | 2.7477% | 4,305 |
| Net charge-offs to loans | 0.0699% | 2,396 |
| Credit loss provision to net charge-offs | 459.2593% | 668 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 2,009 |
| Efficiency ratio | 80.8148% | 1,645 |
| Assets per employee ($millions) | 5.9515% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2530% | 3,490 |
| Loan loss allowance to noncurrent loans | 306.6465% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.7950% | 2,998 |
| Noncurrent loans to loans | 0.4086% | 4,254 |
| Net loans and leases to total assets | 70.7390% | 2,202 |
| Net loans and leases to deposits | 88.9827% | 1,721 |
| Net loans and leases to core deposits | 122.5202% | 402 |
| Total domestic deposits to total assets | 79.4975% | 4,981 |
| Equity capital to assets | 10.8544% | 3,046 |
| Core capital (leverage) ratio | 10.5194% | 2,931 |
| Tier 1 risk-based capital ratio | 13.8356% | 4,016 |
| Total risk-based capital ratio | 15.0638% | 3,960 |
| Memoranda: | ||
| Average total assets | $108,023,000 | 4,382 |
| Average earning assets | $102,192,330 | 4,315 |
| Average equity | $12,082,670 | 4,367 |
| Average total loans | $77,276,670 | 3,970 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8027% | 3,996 |
| Cost of funding earning assets | 0.5432% | 1,901 |
| Net interest margin | 3.2595% | 4,383 |
| Noninterest income to average assets | 0.7811% | 1,780 |
| Noninterest expense to average assets | 3.0864% | 2,313 |
| Loan and lease loss provision to assets | 0.3412% | 385 |
| Net operating income to assets | 0.2616% | 5,528 |
| Return on assets (ROA) | 0.2616% | 5,622 |
| Pretax return on assets | 0.4474% | 5,328 |
| Return on Equity (ROE) | 2.3025% | 5,610 |
| Retained earnings to average equity (ytd only) | 2.3025% | 4,539 |
| Net charge-offs to loans | 0.1432% | 1,387 |
| Credit loss provision to net charge-offs | 333.3333% | 749 |
| Earnings coverage of net charge-offs (x) | 7.7037% | 2,144 |
| Efficiency ratio | 79.6477% | 1,937 |
| Assets per employee ($millions) | 5.6960% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 3,661 |
| Loan loss allowance to noncurrent loans | 422.8448% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.6006% | 3,679 |
| Noncurrent loans to loans | 0.2966% | 4,725 |
| Net loans and leases to total assets | 71.3779% | 1,922 |
| Net loans and leases to deposits | 87.5867% | 1,660 |
| Net loans and leases to core deposits | 117.5751% | 469 |
| Total domestic deposits to total assets | 81.4939% | 4,674 |
| Equity capital to assets | 11.2609% | 2,691 |
| Core capital (leverage) ratio | 10.4946% | 2,972 |
| Tier 1 risk-based capital ratio | 13.2261% | 4,478 |
| Total risk-based capital ratio | 14.4069% | 4,432 |
| Memoranda: | ||
| Average total assets | $105,495,000 | 4,467 |
| Average earning assets | $100,138,500 | 4,395 |
| Average equity | $11,987,000 | 4,413 |
| Average total loans | $75,412,000 | 4,038 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0284% | 3,609 |
| Cost of funding earning assets | 0.5072% | 2,598 |
| Net interest margin | 3.5212% | 3,710 |
| Noninterest income to average assets | 0.8217% | 1,785 |
| Noninterest expense to average assets | 3.5235% | 1,433 |
| Loan and lease loss provision to assets | 0.1241% | 2,110 |
| Net operating income to assets | 0.2885% | 5,546 |
| Return on assets (ROA) | 0.2885% | 5,615 |
| Pretax return on assets | 0.5011% | 5,247 |
| Return on Equity (ROE) | 2.6889% | 5,575 |
| Retained earnings to average equity (ytd only) | 1.6176% | 5,009 |
| Net charge-offs to loans | 0.1001% | 3,074 |
| Credit loss provision to net charge-offs | 168.7500% | 1,449 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,868 |
| Efficiency ratio | 84.9307% | 1,296 |
| Assets per employee ($millions) | 5.4087% | 1,851 |
| Cash dividends to net income (ytd only)* | 39.8406% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 3,641 |
| Loan loss allowance to noncurrent loans | 1,667.2727% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.4603% | 4,279 |
| Noncurrent loans to loans | 0.0758% | 5,579 |
| Net loans and leases to total assets | 69.7487% | 2,270 |
| Net loans and leases to deposits | 86.6985% | 1,888 |
| Net loans and leases to core deposits | 116.6539% | 509 |
| Total domestic deposits to total assets | 80.4498% | 4,891 |
| Equity capital to assets | 11.4697% | 2,454 |
| Core capital (leverage) ratio | 11.2552% | 2,177 |
| Tier 1 risk-based capital ratio | 15.6538% | 3,152 |
| Total risk-based capital ratio | 16.9066% | 3,080 |
| Memoranda: | ||
| Average total assets | $87,014,600 | 4,909 |
| Average earning assets | $82,215,600 | 4,850 |
| Average equity | $9,334,800 | 4,895 |
| Average total loans | $63,906,800 | 4,367 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0937% | 3,409 |
| Cost of funding earning assets | 0.5015% | 2,738 |
| Net interest margin | 3.5922% | 3,459 |
| Noninterest income to average assets | 0.8201% | 1,812 |
| Noninterest expense to average assets | 3.8229% | 941 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2135% | 5,827 |
| Return on assets (ROA) | 0.2135% | 5,874 |
| Pretax return on assets | 0.3772% | 5,633 |
| Return on Equity (ROE) | 2.0332% | 5,833 |
| Retained earnings to average equity (ytd only) | 0.5045% | 5,666 |
| Net charge-offs to loans | 0.0022% | 4,641 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 235.5865% | 285 |
| Efficiency ratio | 91.0203% | 770 |
| Assets per employee ($millions) | 4.7723% | 2,561 |
| Cash dividends to net income (ytd only)* | 75.1875% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 3,826 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5283% | 4,290 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 74.8966% | 1,378 |
| Net loans and leases to deposits | 89.3319% | 1,503 |
| Net loans and leases to core deposits | 120.3456% | 392 |
| Total domestic deposits to total assets | 83.8408% | 3,820 |
| Equity capital to assets | 9.7162% | 4,539 |
| Core capital (leverage) ratio | 8.7277% | 5,407 |
| Tier 1 risk-based capital ratio | 11.7226% | 5,662 |
| Total risk-based capital ratio | 12.9743% | 5,579 |
| Memoranda: | ||
| Average total assets | $83,076,750 | 5,041 |
| Average earning assets | $78,167,250 | 4,976 |
| Average equity | $8,721,750 | 5,084 |
| Average total loans | $61,734,750 | 4,471 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0618% | 3,495 |
| Cost of funding earning assets | 0.4928% | 2,904 |
| Net interest margin | 3.5690% | 3,493 |
| Noninterest income to average assets | 0.7971% | 1,850 |
| Noninterest expense to average assets | 3.8513% | 907 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1614% | 5,926 |
| Return on assets (ROA) | 0.1614% | 5,965 |
| Pretax return on assets | 0.2905% | 5,800 |
| Return on Equity (ROE) | 1.4956% | 5,952 |
| Retained earnings to average equity (ytd only) | 1.4956% | 5,145 |
| Net charge-offs to loans | 0.0034% | 4,273 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 117.0000% | 496 |
| Efficiency ratio | 92.9856% | 694 |
| Assets per employee ($millions) | 4.4815% | 2,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 3,564 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8291% | 3,485 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 74.5655% | 1,367 |
| Net loans and leases to deposits | 89.3635% | 1,431 |
| Net loans and leases to core deposits | 120.0889% | 378 |
| Total domestic deposits to total assets | 83.4406% | 4,136 |
| Equity capital to assets | 10.3913% | 3,572 |
| Core capital (leverage) ratio | 9.3988% | 4,469 |
| Tier 1 risk-based capital ratio | 12.3846% | 5,311 |
| Total risk-based capital ratio | 13.6361% | 5,229 |
| Memoranda: | ||
| Average total assets | $80,544,670 | 5,150 |
| Average earning assets | $75,484,330 | 5,090 |
| Average equity | $8,692,330 | 5,110 |
| Average total loans | $59,385,330 | 4,568 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9840% | 3,755 |
| Cost of funding earning assets | 0.4803% | 3,104 |
| Net interest margin | 3.5038% | 3,673 |
| Noninterest income to average assets | 0.7106% | 2,122 |
| Noninterest expense to average assets | 3.7166% | 1,107 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1534% | 5,919 |
| Return on assets (ROA) | 0.1534% | 5,956 |
| Pretax return on assets | 0.2761% | 5,769 |
| Return on Equity (ROE) | 1.3930% | 5,950 |
| Retained earnings to average equity (ytd only) | 1.3930% | 5,055 |
| Net charge-offs to loans | 0.0070% | 3,509 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 711 |
| Efficiency ratio | 93.0858% | 809 |
| Assets per employee ($millions) | 4.1300% | 3,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5296% | 3,016 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9188% | 3,435 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 71.5394% | 1,646 |
| Net loans and leases to deposits | 83.6031% | 1,860 |
| Net loans and leases to core deposits | 112.3751% | 510 |
| Total domestic deposits to total assets | 85.5703% | 3,574 |
| Equity capital to assets | 10.9953% | 2,713 |
| Core capital (leverage) ratio | 9.3997% | 4,421 |
| Tier 1 risk-based capital ratio | 12.8029% | 5,119 |
| Total risk-based capital ratio | 14.0576% | 5,063 |
| Memoranda: | ||
| Average total assets | $78,243,000 | 5,252 |
| Average earning assets | $73,292,500 | 5,198 |
| Average equity | $8,614,500 | 5,145 |
| Average total loans | $56,896,500 | 4,688 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1926% | 3,368 |
| Cost of funding earning assets | 0.5308% | 3,277 |
| Net interest margin | 3.6618% | 3,213 |
| Noninterest income to average assets | 1.1981% | 982 |
| Noninterest expense to average assets | 4.1990% | 701 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.6687% | 147 |
| Return on assets (ROA) | 2.6687% | 146 |
| Pretax return on assets | 0.4557% | 5,341 |
| Return on Equity (ROE) | 29.5821% | 77 |
| Retained earnings to average equity (ytd only) | 29.5821% | 34 |
| Net charge-offs to loans | 0.0827% | 4,054 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 7.6429% | 2,797 |
| Efficiency ratio | 90.2104% | 1,008 |
| Assets per employee ($millions) | 4.1061% | 3,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5374% | 3,023 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9242% | 3,590 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 71.6661% | 1,742 |
| Net loans and leases to deposits | 83.7580% | 1,969 |
| Net loans and leases to core deposits | 112.2215% | 529 |
| Total domestic deposits to total assets | 85.5632% | 3,477 |
| Equity capital to assets | 11.0247% | 2,586 |
| Core capital (leverage) ratio | 10.0544% | 3,493 |
| Tier 1 risk-based capital ratio | 12.8198% | 5,107 |
| Total risk-based capital ratio | 14.0610% | 5,054 |
| Memoranda: | ||
| Average total assets | $70,445,600 | 5,459 |
| Average earning assets | $66,497,600 | 5,391 |
| Average equity | $6,355,200 | 5,727 |
| Average total loans | $50,777,000 | 4,937 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1539% | 3,555 |
| Cost of funding earning assets | 0.5470% | 3,294 |
| Net interest margin | 3.6069% | 3,413 |
| Noninterest income to average assets | 1.4237% | 729 |
| Noninterest expense to average assets | 4.3586% | 598 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4765% | 4,906 |
| Return on assets (ROA) | 0.4765% | 5,058 |
| Pretax return on assets | 0.4765% | 5,430 |
| Return on Equity (ROE) | 5.6381% | 4,391 |
| Retained earnings to average equity (ytd only) | 5.6381% | 2,639 |
| Net charge-offs to loans | 0.1136% | 3,412 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 5.8332% | 3,097 |
| Efficiency ratio | 90.1448% | 981 |
| Assets per employee ($millions) | 3.8677% | 4,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6452% | 2,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4522% | 2,772 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 74.9648% | 1,138 |
| Net loans and leases to deposits | 85.5417% | 1,666 |
| Net loans and leases to core deposits | 117.0918% | 373 |
| Total domestic deposits to total assets | 87.6354% | 2,339 |
| Equity capital to assets | 8.4174% | 5,820 |
| Core capital (leverage) ratio | 8.4211% | 5,840 |
| Tier 1 risk-based capital ratio | 11.8848% | 5,849 |
| Total risk-based capital ratio | 13.1400% | 5,787 |
| Memoranda: | ||
| Average total assets | $68,553,000 | 5,578 |
| Average earning assets | $64,836,500 | 5,495 |
| Average equity | $5,793,750 | 5,933 |
| Average total loans | $49,275,250 | 5,035 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0960% | 3,750 |
| Cost of funding earning assets | 0.5438% | 3,476 |
| Net interest margin | 3.5521% | 3,555 |
| Noninterest income to average assets | 1.6452% | 596 |
| Noninterest expense to average assets | 4.3931% | 579 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6041% | 4,253 |
| Return on assets (ROA) | 0.6041% | 4,438 |
| Pretax return on assets | 0.6041% | 4,998 |
| Return on Equity (ROE) | 7.1383% | 3,525 |
| Retained earnings to average equity (ytd only) | 7.1383% | 1,826 |
| Net charge-offs to loans | 0.1750% | 2,720 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.9048% | 3,007 |
| Efficiency ratio | 87.9108% | 1,229 |
| Assets per employee ($millions) | 3.4507% | 4,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7039% | 2,768 |
| Loan loss allowance to noncurrent loans | 1,077.7778% | 436 |
| Noncurrent assets plus other real estate owned to assets | 1.6084% | 2,705 |
| Noncurrent loans to loans | 0.1581% | 5,927 |
| Net loans and leases to total assets | 72.9747% | 1,407 |
| Net loans and leases to deposits | 82.5471% | 1,985 |
| Net loans and leases to core deposits | 111.7021% | 492 |
| Total domestic deposits to total assets | 88.4036% | 1,983 |
| Equity capital to assets | 8.4303% | 5,838 |
| Core capital (leverage) ratio | 8.7128% | 5,401 |
| Tier 1 risk-based capital ratio | 12.2915% | 5,626 |
| Total risk-based capital ratio | 13.5481% | 5,572 |
| Memoranda: | ||
| Average total assets | $68,198,000 | 5,630 |
| Average earning assets | $64,356,000 | 5,548 |
| Average equity | $5,771,670 | 5,980 |
| Average total loans | $48,013,000 | 5,101 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1075% | 3,695 |
| Cost of funding earning assets | 0.5590% | 3,488 |
| Net interest margin | 3.5485% | 3,484 |
| Noninterest income to average assets | 1.8528% | 483 |
| Noninterest expense to average assets | 4.4018% | 580 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7848% | 3,246 |
| Return on assets (ROA) | 0.7848% | 3,376 |
| Pretax return on assets | 0.7848% | 4,230 |
| Return on Equity (ROE) | 9.2546% | 2,378 |
| Retained earnings to average equity (ytd only) | 9.2546% | 1,304 |
| Net charge-offs to loans | 0.3707% | 1,531 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.0930% | 2,842 |
| Efficiency ratio | 84.8692% | 1,653 |
| Assets per employee ($millions) | 3.3978% | 5,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8646% | 2,401 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6746% | 2,777 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 67.5344% | 2,104 |
| Net loans and leases to deposits | 74.0616% | 2,913 |
| Net loans and leases to core deposits | 94.8398% | 1,280 |
| Total domestic deposits to total assets | 91.1868% | 450 |
| Equity capital to assets | 8.5571% | 5,956 |
| Core capital (leverage) ratio | 8.5032% | 5,587 |
| Tier 1 risk-based capital ratio | 12.7627% | 5,394 |
| Total risk-based capital ratio | 14.0216% | 5,329 |
| Memoranda: | ||
| Average total assets | $67,790,500 | 5,694 |
| Average earning assets | $63,688,500 | 5,624 |
| Average equity | $5,748,500 | 6,041 |
| Average total loans | $46,402,000 | 5,205 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3553% | 4,011 |
| Cost of funding earning assets | 0.6706% | 3,737 |
| Net interest margin | 3.6847% | 3,718 |
| Noninterest income to average assets | 1.3191% | 883 |
| Noninterest expense to average assets | 4.9637% | 386 |
| Loan and lease loss provision to assets | 0.2973% | 2,302 |
| Net operating income to assets | -0.4870% | 6,556 |
| Return on assets (ROA) | -0.4870% | 6,599 |
| Pretax return on assets | -0.4870% | 6,562 |
| Return on Equity (ROE) | -4.9827% | 6,592 |
| Retained earnings to average equity (ytd only) | -4.9827% | 6,423 |
| Net charge-offs to loans | 0.3708% | 2,773 |
| Credit loss provision to net charge-offs | 120.0000% | 2,388 |
| Earnings coverage of net charge-offs (x) | -0.7655% | 5,726 |
| Efficiency ratio | 103.9728% | 443 |
| Assets per employee ($millions) | 3.3813% | 5,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9874% | 2,045 |
| Loan loss allowance to noncurrent loans | 1,407.6923% | 357 |
| Noncurrent assets plus other real estate owned to assets | 1.7360% | 2,789 |
| Noncurrent loans to loans | 0.1412% | 6,131 |
| Net loans and leases to total assets | 66.7258% | 2,417 |
| Net loans and leases to deposits | 74.8102% | 2,989 |
| Net loans and leases to core deposits | 96.7433% | 1,246 |
| Total domestic deposits to total assets | 89.1935% | 1,438 |
| Equity capital to assets | 8.4021% | 6,121 |
| Core capital (leverage) ratio | 8.8369% | 5,119 |
| Tier 1 risk-based capital ratio | 12.2423% | 5,636 |
| Total risk-based capital ratio | 13.5005% | 5,587 |
| Memoranda: | ||
| Average total assets | $58,524,800 | 5,957 |
| Average earning assets | $54,875,800 | 5,896 |
| Average equity | $5,719,800 | 6,094 |
| Average total loans | $39,107,800 | 5,548 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2110% | 4,780 |
| Cost of funding earning assets | 0.7031% | 3,743 |
| Net interest margin | 3.5079% | 4,612 |
| Noninterest income to average assets | 1.2610% | 938 |
| Noninterest expense to average assets | 4.9090% | 384 |
| Loan and lease loss provision to assets | 0.4124% | 1,549 |
| Net operating income to assets | -0.7609% | 6,796 |
| Return on assets (ROA) | -0.7609% | 6,823 |
| Pretax return on assets | -0.7609% | 6,796 |
| Return on Equity (ROE) | -7.4703% | 6,799 |
| Retained earnings to average equity (ytd only) | -7.4703% | 6,733 |
| Net charge-offs to loans | 0.7884% | 1,401 |
| Credit loss provision to net charge-offs | 78.7330% | 3,659 |
| Earnings coverage of net charge-offs (x) | -0.6652% | 5,533 |
| Efficiency ratio | 107.6403% | 346 |
| Assets per employee ($millions) | 3.0479% | 5,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9328% | 2,380 |
| Loan loss allowance to noncurrent loans | 73.8556% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 3.6263% | 1,376 |
| Noncurrent loans to loans | 2.6170% | 2,177 |
| Net loans and leases to total assets | 66.5104% | 2,560 |
| Net loans and leases to deposits | 75.7460% | 3,019 |
| Net loans and leases to core deposits | 95.5277% | 1,451 |
| Total domestic deposits to total assets | 87.8072% | 2,167 |
| Equity capital to assets | 8.8056% | 6,011 |
| Core capital (leverage) ratio | 9.5778% | 4,153 |
| Tier 1 risk-based capital ratio | 13.2562% | 5,050 |
| Total risk-based capital ratio | 14.5277% | 5,002 |
| Memoranda: | ||
| Average total assets | $56,249,500 | 6,086 |
| Average earning assets | $52,907,000 | 6,029 |
| Average equity | $5,729,250 | 6,163 |
| Average total loans | $37,375,000 | 5,686 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2432% | 4,791 |
| Cost of funding earning assets | 0.7521% | 3,588 |
| Net interest margin | 3.4911% | 4,712 |
| Noninterest income to average assets | 0.6187% | 3,136 |
| Noninterest expense to average assets | 4.9046% | 401 |
| Loan and lease loss provision to assets | 0.4062% | 1,614 |
| Net operating income to assets | -1.4050% | 7,000 |
| Return on assets (ROA) | -1.4050% | 7,019 |
| Pretax return on assets | -1.4050% | 6,992 |
| Return on Equity (ROE) | -13.0895% | 6,956 |
| Retained earnings to average equity (ytd only) | -13.0895% | 6,910 |
| Net charge-offs to loans | 1.1537% | 938 |
| Credit loss provision to net charge-offs | 53.4314% | 3,968 |
| Earnings coverage of net charge-offs (x) | -1.3137% | 5,337 |
| Efficiency ratio | 125.5725% | 191 |
| Assets per employee ($millions) | 2.7905% | 6,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1414% | 1,907 |
| Loan loss allowance to noncurrent loans | 88.2813% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 3.7323% | 1,397 |
| Noncurrent loans to loans | 2.4256% | 2,475 |
| Net loans and leases to total assets | 64.7698% | 2,881 |
| Net loans and leases to deposits | 72.0395% | 3,603 |
| Net loans and leases to core deposits | 82.6127% | 2,882 |
| Total domestic deposits to total assets | 89.9086% | 974 |
| Equity capital to assets | 9.8925% | 4,497 |
| Core capital (leverage) ratio | 10.0024% | 3,416 |
| Tier 1 risk-based capital ratio | 14.9364% | 3,810 |
| Total risk-based capital ratio | 16.1946% | 3,752 |
| Memoranda: | ||
| Average total assets | $53,664,330 | 6,201 |
| Average earning assets | $50,528,000 | 6,135 |
| Average equity | $5,760,330 | 6,181 |
| Average total loans | $35,363,670 | 5,818 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3298% | 4,613 |
| Cost of funding earning assets | 0.7997% | 3,476 |
| Net interest margin | 3.5301% | 4,569 |
| Noninterest income to average assets | 0.8747% | 1,850 |
| Noninterest expense to average assets | 4.4266% | 584 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.2282% | 6,658 |
| Return on assets (ROA) | -0.2282% | 6,706 |
| Pretax return on assets | -0.2282% | 6,685 |
| Return on Equity (ROE) | -2.0408% | 6,690 |
| Retained earnings to average equity (ytd only) | -2.0408% | 6,283 |
| Net charge-offs to loans | 2.3253% | 367 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.1493% | 4,419 |
| Efficiency ratio | 105.4348% | 424 |
| Assets per employee ($millions) | 2.9705% | 6,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9838% | 2,404 |
| Loan loss allowance to noncurrent loans | 76.3657% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 4.4643% | 1,201 |
| Noncurrent loans to loans | 2.5978% | 2,509 |
| Net loans and leases to total assets | 63.2965% | 2,983 |
| Net loans and leases to deposits | 71.2295% | 3,551 |
| Net loans and leases to core deposits | 82.3555% | 2,775 |
| Total domestic deposits to total assets | 88.8627% | 1,782 |
| Equity capital to assets | 10.9372% | 2,979 |
| Core capital (leverage) ratio | 10.9338% | 2,312 |
| Tier 1 risk-based capital ratio | 17.1016% | 2,646 |
| Total risk-based capital ratio | 18.3611% | 2,605 |
| Memoranda: | ||
| Average total assets | $52,591,500 | 6,287 |
| Average earning assets | $49,517,000 | 6,220 |
| Average equity | $5,880,000 | 6,178 |
| Average total loans | $34,576,000 | 5,893 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4509% | 5,247 |
| Cost of funding earning assets | 0.9546% | 3,692 |
| Net interest margin | 3.4962% | 5,162 |
| Noninterest income to average assets | 0.4662% | 4,085 |
| Noninterest expense to average assets | 4.0447% | 966 |
| Loan and lease loss provision to assets | 0.1449% | 4,802 |
| Net operating income to assets | -0.4094% | 6,423 |
| Return on assets (ROA) | -0.4094% | 6,472 |
| Pretax return on assets | -0.4094% | 6,424 |
| Return on Equity (ROE) | -4.4652% | 6,500 |
| Retained earnings to average equity (ytd only) | -4.4652% | 6,408 |
| Net charge-offs to loans | 0.8118% | 2,122 |
| Credit loss provision to net charge-offs | 25.4296% | 5,848 |
| Earnings coverage of net charge-offs (x) | -0.4639% | 6,066 |
| Efficiency ratio | 106.9948% | 499 |
| Assets per employee ($millions) | 3.4476% | 5,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5590% | 1,237 |
| Loan loss allowance to noncurrent loans | 41.5572% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 4.9696% | 1,079 |
| Noncurrent loans to loans | 6.1578% | 790 |
| Net loans and leases to total assets | 65.2377% | 2,932 |
| Net loans and leases to deposits | 73.7260% | 3,540 |
| Net loans and leases to core deposits | 86.3015% | 2,596 |
| Total domestic deposits to total assets | 88.4867% | 1,859 |
| Equity capital to assets | 11.4321% | 2,563 |
| Core capital (leverage) ratio | 11.2393% | 2,092 |
| Tier 1 risk-based capital ratio | 18.3819% | 2,082 |
| Total risk-based capital ratio | 19.6505% | 2,040 |
| Memoranda: | ||
| Average total assets | $51,054,200 | 6,333 |
| Average earning assets | $48,395,200 | 6,246 |
| Average equity | $4,680,600 | 6,538 |
| Average total loans | $35,845,200 | 5,876 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5653% | 5,016 |
| Cost of funding earning assets | 0.9739% | 3,854 |
| Net interest margin | 3.5913% | 4,808 |
| Noninterest income to average assets | 0.5057% | 3,828 |
| Noninterest expense to average assets | 4.1160% | 880 |
| Loan and lease loss provision to assets | 0.0105% | 6,300 |
| Net operating income to assets | -0.2201% | 6,403 |
| Return on assets (ROA) | -0.2201% | 6,481 |
| Pretax return on assets | -0.2201% | 6,426 |
| Return on Equity (ROE) | -2.5613% | 6,529 |
| Retained earnings to average equity (ytd only) | -2.5613% | 6,366 |
| Net charge-offs to loans | 0.7930% | 1,976 |
| Credit loss provision to net charge-offs | 1.8605% | 5,728 |
| Earnings coverage of net charge-offs (x) | -0.3721% | 5,787 |
| Efficiency ratio | 105.3655% | 517 |
| Assets per employee ($millions) | 3.7851% | 4,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6061% | 1,255 |
| Loan loss allowance to noncurrent loans | 68.6154% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 3.4817% | 1,812 |
| Noncurrent loans to loans | 3.7982% | 1,779 |
| Net loans and leases to total assets | 62.9069% | 3,528 |
| Net loans and leases to deposits | 68.6004% | 4,506 |
| Net loans and leases to core deposits | 80.0937% | 3,622 |
| Total domestic deposits to total assets | 91.7005% | 262 |
| Equity capital to assets | 8.1995% | 6,565 |
| Core capital (leverage) ratio | 8.4156% | 5,830 |
| Tier 1 risk-based capital ratio | 13.4699% | 4,756 |
| Total risk-based capital ratio | 14.7379% | 4,714 |
| Memoranda: | ||
| Average total assets | $50,889,250 | 6,394 |
| Average earning assets | $48,188,750 | 6,305 |
| Average equity | $4,372,750 | 6,683 |
| Average total loans | $36,150,750 | 5,912 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6706% | 4,656 |
| Cost of funding earning assets | 1.0071% | 3,908 |
| Net interest margin | 3.6634% | 4,448 |
| Noninterest income to average assets | 0.3786% | 4,860 |
| Noninterest expense to average assets | 4.2320% | 801 |
| Loan and lease loss provision to assets | 0.0080% | 6,162 |
| Net operating income to assets | -0.3826% | 6,601 |
| Return on assets (ROA) | -0.3826% | 6,631 |
| Pretax return on assets | -0.3826% | 6,583 |
| Return on Equity (ROE) | -4.3816% | 6,670 |
| Retained earnings to average equity (ytd only) | -4.3816% | 6,511 |
| Net charge-offs to loans | 1.1905% | 1,319 |
| Credit loss provision to net charge-offs | 0.9132% | 5,329 |
| Earnings coverage of net charge-offs (x) | -0.4292% | 5,505 |
| Efficiency ratio | 109.7107% | 480 |
| Assets per employee ($millions) | 3.5435% | 4,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5109% | 1,431 |
| Loan loss allowance to noncurrent loans | 68.8423% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 3.6949% | 1,762 |
| Noncurrent loans to loans | 3.6473% | 1,927 |
| Net loans and leases to total assets | 69.3423% | 2,354 |
| Net loans and leases to deposits | 76.0692% | 3,457 |
| Net loans and leases to core deposits | 89.3390% | 2,458 |
| Total domestic deposits to total assets | 91.1568% | 442 |
| Equity capital to assets | 8.7343% | 5,892 |
| Core capital (leverage) ratio | 9.0873% | 4,596 |
| Tier 1 risk-based capital ratio | 13.1722% | 4,788 |
| Total risk-based capital ratio | 14.4399% | 4,751 |
| Memoranda: | ||
| Average total assets | $50,188,670 | 6,476 |
| Average earning assets | $47,660,000 | 6,375 |
| Average equity | $4,382,000 | 6,719 |
| Average total loans | $36,792,000 | 5,944 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7634% | 4,241 |
| Cost of funding earning assets | 1.0705% | 3,717 |
| Net interest margin | 3.6929% | 4,144 |
| Noninterest income to average assets | 0.3724% | 4,934 |
| Noninterest expense to average assets | 4.2553% | 761 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.3566% | 6,709 |
| Return on assets (ROA) | -0.3566% | 6,714 |
| Pretax return on assets | -0.3566% | 6,654 |
| Return on Equity (ROE) | -4.0849% | 6,746 |
| Retained earnings to average equity (ytd only) | -4.0849% | 6,425 |
| Net charge-offs to loans | 0.7884% | 1,639 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.6081% | 4,826 |
| Efficiency ratio | 109.1463% | 521 |
| Assets per employee ($millions) | 3.7270% | 4,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8525% | 1,056 |
| Loan loss allowance to noncurrent loans | 66.3015% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 3.9297% | 1,698 |
| Noncurrent loans to loans | 4.3023% | 1,650 |
| Net loans and leases to total assets | 72.3308% | 1,650 |
| Net loans and leases to deposits | 79.5989% | 2,790 |
| Net loans and leases to core deposits | 93.9242% | 1,892 |
| Total domestic deposits to total assets | 90.8691% | 691 |
| Equity capital to assets | 9.0483% | 5,126 |
| Core capital (leverage) ratio | 8.5898% | 5,281 |
| Tier 1 risk-based capital ratio | 12.9146% | 4,883 |
| Total risk-based capital ratio | 14.1872% | 4,859 |
| Memoranda: | ||
| Average total assets | $50,478,500 | 6,517 |
| Average earning assets | $48,200,500 | 6,405 |
| Average equity | $4,406,500 | 6,741 |
| Average total loans | $37,545,000 | 5,962 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1222% | 3,993 |
| Cost of funding earning assets | 1.3996% | 3,270 |
| Net interest margin | 3.7225% | 4,259 |
| Noninterest income to average assets | 0.2562% | 5,970 |
| Noninterest expense to average assets | 4.0502% | 1,092 |
| Loan and lease loss provision to assets | 0.2431% | 4,861 |
| Net operating income to assets | -0.4862% | 6,379 |
| Return on assets (ROA) | -0.4862% | 6,408 |
| Pretax return on assets | -0.4862% | 6,308 |
| Return on Equity (ROE) | -5.7778% | 6,485 |
| Retained earnings to average equity (ytd only) | -5.7778% | 6,363 |
| Net charge-offs to loans | 0.8875% | 2,416 |
| Credit loss provision to net charge-offs | 35.6164% | 6,441 |
| Earnings coverage of net charge-offs (x) | -0.3562% | 6,391 |
| Efficiency ratio | 106.3851% | 618 |
| Assets per employee ($millions) | 4.0389% | 3,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8270% | 1,021 |
| Loan loss allowance to noncurrent loans | 61.2098% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 3.6624% | 1,882 |
| Noncurrent loans to loans | 4.6186% | 1,517 |
| Net loans and leases to total assets | 72.2070% | 2,054 |
| Net loans and leases to deposits | 78.9394% | 3,349 |
| Net loans and leases to core deposits | 95.2564% | 2,094 |
| Total domestic deposits to total assets | 91.4715% | 407 |
| Equity capital to assets | 8.4352% | 5,942 |
| Core capital (leverage) ratio | 8.4688% | 5,420 |
| Tier 1 risk-based capital ratio | 12.2494% | 5,258 |
| Total risk-based capital ratio | 13.5216% | 5,199 |
| Memoranda: | ||
| Average total assets | $53,478,400 | 6,423 |
| Average earning assets | $51,013,600 | 6,327 |
| Average equity | $4,500,000 | 6,818 |
| Average total loans | $41,127,000 | 5,879 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2002% | 3,829 |
| Cost of funding earning assets | 1.4564% | 3,236 |
| Net interest margin | 3.7438% | 4,210 |
| Noninterest income to average assets | 0.2308% | 6,244 |
| Noninterest expense to average assets | 4.2068% | 815 |
| Loan and lease loss provision to assets | 0.3251% | 3,986 |
| Net operating income to assets | -0.7346% | 6,753 |
| Return on assets (ROA) | -0.7346% | 6,793 |
| Pretax return on assets | -0.7346% | 6,701 |
| Return on Equity (ROE) | -8.7358% | 6,869 |
| Retained earnings to average equity (ytd only) | -8.7358% | 6,813 |
| Net charge-offs to loans | 1.0563% | 1,922 |
| Credit loss provision to net charge-offs | 39.6970% | 6,019 |
| Earnings coverage of net charge-offs (x) | -0.5000% | 6,322 |
| Efficiency ratio | 110.7843% | 511 |
| Assets per employee ($millions) | 4.0693% | 3,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8859% | 923 |
| Loan loss allowance to noncurrent loans | 57.2074% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 4.0094% | 1,743 |
| Noncurrent loans to loans | 5.0446% | 1,364 |
| Net loans and leases to total assets | 72.4542% | 2,144 |
| Net loans and leases to deposits | 79.0908% | 3,620 |
| Net loans and leases to core deposits | 95.9256% | 2,268 |
| Total domestic deposits to total assets | 91.6089% | 278 |
| Equity capital to assets | 8.3042% | 6,504 |
| Core capital (leverage) ratio | 8.5826% | 5,372 |
| Tier 1 risk-based capital ratio | 11.9459% | 5,512 |
| Total risk-based capital ratio | 13.2186% | 5,457 |
| Memoranda: | ||
| Average total assets | $53,721,500 | 6,485 |
| Average earning assets | $51,176,250 | 6,397 |
| Average equity | $4,517,750 | 6,897 |
| Average total loans | $41,654,750 | 5,934 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2765% | 3,576 |
| Cost of funding earning assets | 1.4937% | 3,290 |
| Net interest margin | 3.7828% | 3,974 |
| Noninterest income to average assets | 0.1963% | 6,495 |
| Noninterest expense to average assets | 4.2152% | 804 |
| Loan and lease loss provision to assets | 0.4778% | 2,913 |
| Net operating income to assets | -0.8853% | 6,895 |
| Return on assets (ROA) | -0.8853% | 6,915 |
| Pretax return on assets | -0.8853% | 6,837 |
| Return on Equity (ROE) | -10.4840% | 6,986 |
| Retained earnings to average equity (ytd only) | -10.4840% | 6,938 |
| Net charge-offs to loans | 1.5100% | 1,267 |
| Credit loss provision to net charge-offs | 40.3125% | 5,609 |
| Earnings coverage of net charge-offs (x) | -0.3438% | 5,947 |
| Efficiency ratio | 110.7004% | 535 |
| Assets per employee ($millions) | 3.5974% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8745% | 936 |
| Loan loss allowance to noncurrent loans | 57.6092% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 4.2034% | 1,605 |
| Noncurrent loans to loans | 4.9897% | 1,381 |
| Net loans and leases to total assets | 76.9498% | 1,299 |
| Net loans and leases to deposits | 84.5072% | 2,791 |
| Net loans and leases to core deposits | 103.6646% | 1,674 |
| Total domestic deposits to total assets | 91.0571% | 464 |
| Equity capital to assets | 8.8357% | 5,698 |
| Core capital (leverage) ratio | 8.4912% | 5,423 |
| Tier 1 risk-based capital ratio | 11.9450% | 5,358 |
| Total risk-based capital ratio | 13.2174% | 5,309 |
| Memoranda: | ||
| Average total assets | $53,995,000 | 6,518 |
| Average earning assets | $51,549,330 | 6,423 |
| Average equity | $4,559,330 | 6,916 |
| Average total loans | $42,383,670 | 5,939 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1383% | 4,354 |
| Cost of funding earning assets | 1.5024% | 3,536 |
| Net interest margin | 3.6359% | 4,556 |
| Noninterest income to average assets | 0.1505% | 6,891 |
| Noninterest expense to average assets | 3.7699% | 1,367 |
| Loan and lease loss provision to assets | 0.9246% | 1,373 |
| Net operating income to assets | -1.0751% | 7,153 |
| Return on assets (ROA) | -1.0751% | 7,170 |
| Pretax return on assets | -1.0751% | 7,088 |
| Return on Equity (ROE) | -13.0039% | 7,256 |
| Retained earnings to average equity (ytd only) | -13.0039% | 7,120 |
| Net charge-offs to loans | 2.7966% | 568 |
| Credit loss provision to net charge-offs | 42.2951% | 4,604 |
| Earnings coverage of net charge-offs (x) | -0.0689% | 5,080 |
| Efficiency ratio | 104.1584% | 725 |
| Assets per employee ($millions) | 3.9417% | 4,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6979% | 1,087 |
| Loan loss allowance to noncurrent loans | 89.4534% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 2.5823% | 2,821 |
| Noncurrent loans to loans | 3.0160% | 2,656 |
| Net loans and leases to total assets | 75.9423% | 1,554 |
| Net loans and leases to deposits | 82.8156% | 3,138 |
| Net loans and leases to core deposits | 101.0659% | 2,021 |
| Total domestic deposits to total assets | 91.7005% | 322 |
| Equity capital to assets | 8.2252% | 6,400 |
| Core capital (leverage) ratio | 8.3654% | 5,617 |
| Tier 1 risk-based capital ratio | 11.1559% | 6,002 |
| Total risk-based capital ratio | 12.4266% | 5,940 |
| Memoranda: | ||
| Average total assets | $55,810,500 | 6,541 |
| Average earning assets | $53,247,000 | 6,428 |
| Average equity | $4,614,000 | 6,969 |
| Average total loans | $43,624,500 | 5,953 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5872% | 3,671 |
| Cost of funding earning assets | 2.0818% | 2,560 |
| Net interest margin | 3.5055% | 4,931 |
| Noninterest income to average assets | 0.4870% | 4,510 |
| Noninterest expense to average assets | 3.5562% | 2,254 |
| Loan and lease loss provision to assets | 1.0761% | 2,130 |
| Net operating income to assets | -2.7513% | 7,335 |
| Return on assets (ROA) | -2.7513% | 7,348 |
| Pretax return on assets | -0.8200% | 6,280 |
| Return on Equity (ROE) | -29.4497% | 7,397 |
| Retained earnings to average equity (ytd only) | -29.4497% | 7,378 |
| Net charge-offs to loans | 0.4975% | 3,778 |
| Credit loss provision to net charge-offs | 259.2742% | 1,356 |
| Earnings coverage of net charge-offs (x) | 0.6169% | 5,485 |
| Efficiency ratio | 93.2836% | 1,461 |
| Assets per employee ($millions) | 4.3413% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0286% | 754 |
| Loan loss allowance to noncurrent loans | 107.4699% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 2.6472% | 2,655 |
| Noncurrent loans to loans | 2.8181% | 2,739 |
| Net loans and leases to total assets | 75.9094% | 1,819 |
| Net loans and leases to deposits | 82.9191% | 3,467 |
| Net loans and leases to core deposits | 98.5236% | 4,174 |
| Total domestic deposits to total assets | 91.5463% | 368 |
| Equity capital to assets | 8.3084% | 6,186 |
| Core capital (leverage) ratio | 8.0135% | 6,165 |
| Tier 1 risk-based capital ratio | 11.2765% | 5,635 |
| Total risk-based capital ratio | 12.5511% | 5,563 |
| Memoranda: | ||
| Average total assets | $59,754,200 | 6,356 |
| Average earning assets | $56,682,800 | 6,262 |
| Average equity | $5,582,400 | 6,751 |
| Average total loans | $49,845,600 | 5,678 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6439% | 3,608 |
| Cost of funding earning assets | 2.1888% | 2,459 |
| Net interest margin | 3.4551% | 5,050 |
| Noninterest income to average assets | 0.4622% | 4,805 |
| Noninterest expense to average assets | 3.5366% | 2,178 |
| Loan and lease loss provision to assets | 0.9793% | 1,955 |
| Net operating income to assets | -3.3210% | 7,655 |
| Return on assets (ROA) | -3.3210% | 7,661 |
| Pretax return on assets | -0.7813% | 6,531 |
| Return on Equity (ROE) | -34.6544% | 7,696 |
| Retained earnings to average equity (ytd only) | -34.6544% | 7,687 |
| Net charge-offs to loans | 0.5930% | 2,897 |
| Credit loss provision to net charge-offs | 195.1754% | 2,313 |
| Earnings coverage of net charge-offs (x) | 0.3947% | 5,630 |
| Efficiency ratio | 94.6965% | 1,357 |
| Assets per employee ($millions) | 4.3539% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4463% | 1,117 |
| Loan loss allowance to noncurrent loans | 109.8485% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 2.2720% | 3,014 |
| Noncurrent loans to loans | 2.2270% | 3,347 |
| Net loans and leases to total assets | 81.7265% | 856 |
| Net loans and leases to deposits | 89.3684% | 2,704 |
| Net loans and leases to core deposits | 105.1677% | 3,798 |
| Total domestic deposits to total assets | 91.4489% | 272 |
| Equity capital to assets | 8.3903% | 6,399 |
| Core capital (leverage) ratio | 8.0095% | 6,340 |
| Tier 1 risk-based capital ratio | 10.6777% | 6,268 |
| Total risk-based capital ratio | 11.9435% | 6,234 |
| Memoranda: | ||
| Average total assets | $60,583,500 | 6,368 |
| Average earning assets | $57,382,000 | 6,287 |
| Average equity | $5,805,750 | 6,734 |
| Average total loans | $51,262,250 | 5,659 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6536% | 3,798 |
| Cost of funding earning assets | 2.3225% | 2,266 |
| Net interest margin | 3.3311% | 5,433 |
| Noninterest income to average assets | 0.4555% | 4,815 |
| Noninterest expense to average assets | 3.5050% | 2,324 |
| Loan and lease loss provision to assets | 1.3988% | 1,239 |
| Net operating income to assets | -0.7947% | 6,828 |
| Return on assets (ROA) | -0.7947% | 6,827 |
| Pretax return on assets | -1.3116% | 6,996 |
| Return on Equity (ROE) | -7.9896% | 6,891 |
| Retained earnings to average equity (ytd only) | -7.9896% | 6,666 |
| Net charge-offs to loans | 0.7803% | 2,114 |
| Credit loss provision to net charge-offs | 211.2195% | 2,171 |
| Earnings coverage of net charge-offs (x) | 0.1317% | 5,537 |
| Efficiency ratio | 97.5719% | 1,288 |
| Assets per employee ($millions) | 4.1369% | 3,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3500% | 1,043 |
| Loan loss allowance to noncurrent loans | 100.5150% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 1.8774% | 3,364 |
| Noncurrent loans to loans | 2.3380% | 3,090 |
| Net loans and leases to total assets | 78.4136% | 1,657 |
| Net loans and leases to deposits | 87.0198% | 3,355 |
| Net loans and leases to core deposits | 100.1606% | 4,491 |
| Total domestic deposits to total assets | 90.1101% | 783 |
| Equity capital to assets | 9.6885% | 4,365 |
| Core capital (leverage) ratio | 7.7926% | 6,626 |
| Tier 1 risk-based capital ratio | 10.2560% | 6,642 |
| Total risk-based capital ratio | 11.5211% | 6,558 |
| Memoranda: | ||
| Average total assets | $61,911,000 | 6,375 |
| Average earning assets | $58,299,000 | 6,302 |
| Average equity | $6,158,000 | 6,663 |
| Average total loans | $52,543,670 | 5,656 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8959% | 2,821 |
| Cost of funding earning assets | 2.4778% | 2,001 |
| Net interest margin | 3.4181% | 5,061 |
| Noninterest income to average assets | 0.3364% | 5,765 |
| Noninterest expense to average assets | 3.4605% | 2,201 |
| Loan and lease loss provision to assets | 0.6662% | 1,898 |
| Net operating income to assets | -0.3493% | 6,737 |
| Return on assets (ROA) | -0.3493% | 6,814 |
| Pretax return on assets | -0.5692% | 6,879 |
| Return on Equity (ROE) | -3.4665% | 6,836 |
| Retained earnings to average equity (ytd only) | -3.4665% | 6,359 |
| Net charge-offs to loans | 0.8089% | 1,600 |
| Credit loss provision to net charge-offs | 94.4954% | 3,907 |
| Earnings coverage of net charge-offs (x) | 0.1376% | 4,863 |
| Efficiency ratio | 97.2727% | 1,257 |
| Assets per employee ($millions) | 4.0301% | 3,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8011% | 1,847 |
| Loan loss allowance to noncurrent loans | 393.6975% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.3937% | 6,322 |
| Noncurrent loans to loans | 0.4575% | 6,275 |
| Net loans and leases to total assets | 84.5067% | 621 |
| Net loans and leases to deposits | 94.3173% | 2,218 |
| Net loans and leases to core deposits | 109.6572% | 3,483 |
| Total domestic deposits to total assets | 89.5984% | 971 |
| Equity capital to assets | 10.2627% | 3,694 |
| Core capital (leverage) ratio | 8.0925% | 6,303 |
| Tier 1 risk-based capital ratio | 10.4819% | 6,413 |
| Total risk-based capital ratio | 11.7399% | 6,322 |
| Memoranda: | ||
| Average total assets | $61,840,000 | 6,407 |
| Average earning assets | $58,278,000 | 6,331 |
| Average equity | $6,231,000 | 6,677 |
| Average total loans | $53,901,000 | 5,636 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5482% | 2,728 |
| Cost of funding earning assets | 3.3543% | 797 |
| Net interest margin | 3.1939% | 6,387 |
| Noninterest income to average assets | 0.4905% | 4,682 |
| Noninterest expense to average assets | 3.2970% | 2,973 |
| Loan and lease loss provision to assets | 0.8428% | 1,772 |
| Net operating income to assets | -0.4066% | 6,829 |
| Return on assets (ROA) | -0.4066% | 6,707 |
| Pretax return on assets | -0.6650% | 6,783 |
| Return on Equity (ROE) | -3.8922% | 6,733 |
| Retained earnings to average equity (ytd only) | -3.8922% | 6,305 |
| Net charge-offs to loans | 0.5268% | 2,259 |
| Credit loss provision to net charge-offs | 177.1626% | 2,859 |
| Earnings coverage of net charge-offs (x) | 0.3737% | 6,008 |
| Efficiency ratio | 94.8839% | 1,227 |
| Assets per employee ($millions) | 3.9518% | 3,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6906% | 1,939 |
| Loan loss allowance to noncurrent loans | 596.8354% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.2499% | 6,582 |
| Noncurrent loans to loans | 0.2833% | 6,522 |
| Net loans and leases to total assets | 86.7274% | 505 |
| Net loans and leases to deposits | 96.5236% | 2,366 |
| Net loans and leases to core deposits | 115.4807% | 3,178 |
| Total domestic deposits to total assets | 89.8510% | 712 |
| Equity capital to assets | 9.8975% | 4,160 |
| Core capital (leverage) ratio | 8.1330% | 6,279 |
| Tier 1 risk-based capital ratio | 9.8084% | 6,948 |
| Total risk-based capital ratio | 11.0652% | 6,827 |
| Memoranda: | ||
| Average total assets | $60,752,200 | 6,359 |
| Average earning assets | $56,763,800 | 6,311 |
| Average equity | $6,346,000 | 6,689 |
| Average total loans | $54,861,000 | 5,496 |