Home > Trinity Bank > Performance and Condition Ratios
Trinity Bank, Performance and Condition Ratios
| 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 | 5.3397% | 793 |
| Cost of funding earning assets | 1.0084% | 1,726 |
| Net interest margin | 4.3313% | 1,098 |
| Noninterest income to average assets | 0.4267% | 3,165 |
| Noninterest expense to average assets | 2.7538% | 2,703 |
| Loan and lease loss provision to assets | 0.0969% | 1,973 |
| Net operating income to assets | 1.3691% | 1,578 |
| Return on assets (ROA) | 1.3711% | 1,636 |
| Pretax return on assets | 1.7101% | 1,314 |
| Return on Equity (ROE) | 13.5980% | 1,079 |
| Retained earnings to average equity (ytd only) | 13.3081% | 254 |
| Net charge-offs to loans | 0.0082% | 3,080 |
| Credit loss provision to net charge-offs | 1,450.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 270.0337% | 343 |
| Efficiency ratio | 60.4140% | 3,558 |
| Assets per employee ($millions) | 5.5042% | 2,029 |
| Cash dividends to net income (ytd only)* | 2.1318% | 3,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5657% | 1,074 |
| Loan loss allowance to noncurrent loans | 170.4271% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.8248% | 1,670 |
| Noncurrent loans to loans | 0.9187% | 1,741 |
| Net loans and leases to total assets | 80.5259% | 775 |
| Net loans and leases to deposits | 91.3632% | 1,522 |
| Net loans and leases to core deposits | 102.0209% | 1,497 |
| Total domestic deposits to total assets | 88.1382% | 978 |
| Equity capital to assets | 10.2739% | 3,750 |
| Core capital (leverage) ratio | 10.3506% | 3,251 |
| Tier 1 risk-based capital ratio | 14.1183% | 3,272 |
| Total risk-based capital ratio | 15.3744% | 3,173 |
| Memoranda: | ||
| Average total assets | $159,676,750 | 3,235 |
| Average earning assets | $152,315,250 | 3,190 |
| Average equity | $16,100,000 | 3,567 |
| Average total loans | $130,268,000 | 2,852 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2987% | 818 |
| Cost of funding earning assets | 1.0007% | 1,692 |
| Net interest margin | 4.2979% | 1,153 |
| Noninterest income to average assets | 0.4320% | 3,051 |
| Noninterest expense to average assets | 2.5288% | 3,390 |
| Loan and lease loss provision to assets | 0.0976% | 1,916 |
| Net operating income to assets | 1.5241% | 1,081 |
| Return on assets (ROA) | 1.5241% | 1,128 |
| Pretax return on assets | 1.9030% | 832 |
| Return on Equity (ROE) | 15.2166% | 721 |
| Retained earnings to average equity (ytd only) | 14.7739% | 182 |
| Net charge-offs to loans | 0.0031% | 3,055 |
| Credit loss provision to net charge-offs | 3,850.0000% | 99 |
| Earnings coverage of net charge-offs (x) | 789.5000% | 96 |
| Efficiency ratio | 55.8322% | 4,266 |
| Assets per employee ($millions) | 5.3693% | 2,084 |
| Cash dividends to net income (ytd only)* | 2.9094% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5971% | 1,033 |
| Loan loss allowance to noncurrent loans | 172.6971% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.8232% | 1,707 |
| Noncurrent loans to loans | 0.9248% | 1,768 |
| Net loans and leases to total assets | 79.5975% | 948 |
| Net loans and leases to deposits | 90.3444% | 1,697 |
| Net loans and leases to core deposits | 100.3530% | 1,693 |
| Total domestic deposits to total assets | 88.1045% | 1,053 |
| Equity capital to assets | 10.2497% | 3,746 |
| Core capital (leverage) ratio | 10.1645% | 3,423 |
| Tier 1 risk-based capital ratio | 14.1847% | 3,228 |
| Total risk-based capital ratio | 15.4408% | 3,137 |
| Memoranda: | ||
| Average total assets | $157,860,000 | 3,268 |
| Average earning assets | $150,490,670 | 3,221 |
| Average equity | $15,811,670 | 3,601 |
| Average total loans | $128,662,330 | 2,886 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2709% | 799 |
| Cost of funding earning assets | 0.9762% | 1,675 |
| Net interest margin | 4.2947% | 1,103 |
| Noninterest income to average assets | 0.5530% | 2,272 |
| Noninterest expense to average assets | 2.3731% | 3,838 |
| Loan and lease loss provision to assets | 0.0998% | 1,761 |
| Net operating income to assets | 1.8329% | 528 |
| Return on assets (ROA) | 1.8329% | 542 |
| Pretax return on assets | 2.1683% | 479 |
| Return on Equity (ROE) | 18.5222% | 360 |
| Retained earnings to average equity (ytd only) | 17.6168% | 159 |
| Net charge-offs to loans | -0.0188% | 4,468 |
| Credit loss provision to net charge-offs | -650.0000% | 3,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1307% | 4,752 |
| Assets per employee ($millions) | 5.5344% | 1,952 |
| Cash dividends to net income (ytd only)* | 4.8883% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5999% | 1,060 |
| Loan loss allowance to noncurrent loans | 170.0663% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.8268% | 1,718 |
| Noncurrent loans to loans | 0.9407% | 1,780 |
| Net loans and leases to total assets | 78.5984% | 1,056 |
| Net loans and leases to deposits | 88.9450% | 1,753 |
| Net loans and leases to core deposits | 98.8512% | 1,720 |
| Total domestic deposits to total assets | 88.3674% | 1,150 |
| Equity capital to assets | 9.8949% | 3,924 |
| Core capital (leverage) ratio | 10.3482% | 3,222 |
| Tier 1 risk-based capital ratio | 13.9414% | 3,368 |
| Total risk-based capital ratio | 15.1970% | 3,284 |
| Memoranda: | ||
| Average total assets | $156,251,000 | 3,326 |
| Average earning assets | $148,740,500 | 3,280 |
| Average equity | $15,462,500 | 3,649 |
| Average total loans | $127,846,000 | 2,928 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1198% | 814 |
| Cost of funding earning assets | 0.8350% | 1,363 |
| Net interest margin | 4.2848% | 1,192 |
| Noninterest income to average assets | 0.2567% | 4,393 |
| Noninterest expense to average assets | 2.5674% | 3,420 |
| Loan and lease loss provision to assets | -0.1611% | 5,310 |
| Net operating income to assets | 1.4388% | 1,309 |
| Return on assets (ROA) | 1.4388% | 1,299 |
| Pretax return on assets | 1.9128% | 696 |
| Return on Equity (ROE) | 15.1586% | 792 |
| Retained earnings to average equity (ytd only) | 12.4607% | 281 |
| Net charge-offs to loans | 0.0081% | 3,397 |
| Credit loss provision to net charge-offs | -2,410.0000% | 4,860 |
| Earnings coverage of net charge-offs (x) | 262.0000% | 365 |
| Efficiency ratio | 59.4427% | 3,956 |
| Assets per employee ($millions) | 5.0668% | 2,412 |
| Cash dividends to net income (ytd only)* | 17.7974% | 3,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5734% | 1,082 |
| Loan loss allowance to noncurrent loans | 185.0554% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.7927% | 1,761 |
| Noncurrent loans to loans | 0.8502% | 1,897 |
| Net loans and leases to total assets | 82.5545% | 583 |
| Net loans and leases to deposits | 93.2739% | 1,362 |
| Net loans and leases to core deposits | 106.5110% | 1,230 |
| Total domestic deposits to total assets | 88.5076% | 1,067 |
| Equity capital to assets | 9.8970% | 3,764 |
| Core capital (leverage) ratio | 10.0580% | 3,513 |
| Tier 1 risk-based capital ratio | 13.3783% | 3,621 |
| Total risk-based capital ratio | 14.6342% | 3,509 |
| Memoranda: | ||
| Average total assets | $149,569,800 | 3,390 |
| Average earning assets | $141,803,400 | 3,341 |
| Average equity | $14,196,600 | 3,726 |
| Average total loans | $123,145,000 | 2,962 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0502% | 842 |
| Cost of funding earning assets | 0.8054% | 1,309 |
| Net interest margin | 4.2449% | 1,249 |
| Noninterest income to average assets | 0.2551% | 4,445 |
| Noninterest expense to average assets | 2.5850% | 3,330 |
| Loan and lease loss provision to assets | -0.3589% | 5,440 |
| Net operating income to assets | 1.5207% | 1,147 |
| Return on assets (ROA) | 1.5207% | 1,143 |
| Pretax return on assets | 2.0533% | 543 |
| Return on Equity (ROE) | 16.1982% | 666 |
| Retained earnings to average equity (ytd only) | 15.8645% | 140 |
| Net charge-offs to loans | -0.0644% | 5,022 |
| Credit loss provision to net charge-offs | 679.6610% | 540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4058% | 3,753 |
| Assets per employee ($millions) | 4.8425% | 2,664 |
| Cash dividends to net income (ytd only)* | 2.0602% | 3,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5327% | 1,247 |
| Loan loss allowance to noncurrent loans | 151.3834% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.9946% | 1,468 |
| Noncurrent loans to loans | 1.0125% | 1,693 |
| Net loans and leases to total assets | 81.9522% | 725 |
| Net loans and leases to deposits | 92.7035% | 1,535 |
| Net loans and leases to core deposits | 108.1919% | 1,157 |
| Total domestic deposits to total assets | 88.4025% | 1,085 |
| Equity capital to assets | 9.8796% | 3,759 |
| Core capital (leverage) ratio | 10.0311% | 3,602 |
| Tier 1 risk-based capital ratio | 13.5854% | 3,583 |
| Total risk-based capital ratio | 14.8408% | 3,483 |
| Memoranda: | ||
| Average total assets | $148,961,000 | 3,440 |
| Average earning assets | $141,217,250 | 3,378 |
| Average equity | $13,984,750 | 3,777 |
| Average total loans | $122,058,000 | 2,998 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0116% | 793 |
| Cost of funding earning assets | 0.7775% | 1,242 |
| Net interest margin | 4.2341% | 1,203 |
| Noninterest income to average assets | 0.2585% | 4,458 |
| Noninterest expense to average assets | 2.6209% | 3,260 |
| Loan and lease loss provision to assets | 0.0646% | 2,605 |
| Net operating income to assets | 1.1994% | 2,203 |
| Return on assets (ROA) | 1.1994% | 2,201 |
| Pretax return on assets | 1.5830% | 1,558 |
| Return on Equity (ROE) | 13.0048% | 1,370 |
| Retained earnings to average equity (ytd only) | 12.4939% | 448 |
| Net charge-offs to loans | -0.1486% | 5,270 |
| Credit loss provision to net charge-offs | -53.3333% | 4,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4002% | 3,713 |
| Assets per employee ($millions) | 4.7441% | 2,759 |
| Cash dividends to net income (ytd only)* | 3.9282% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9404% | 578 |
| Loan loss allowance to noncurrent loans | 156.5075% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 1.1574% | 1,251 |
| Noncurrent loans to loans | 1.2398% | 1,398 |
| Net loans and leases to total assets | 79.6584% | 1,072 |
| Net loans and leases to deposits | 89.4156% | 1,921 |
| Net loans and leases to core deposits | 102.1877% | 1,549 |
| Total domestic deposits to total assets | 89.0878% | 896 |
| Equity capital to assets | 9.2786% | 4,307 |
| Core capital (leverage) ratio | 9.5863% | 4,013 |
| Tier 1 risk-based capital ratio | 13.1003% | 3,849 |
| Total risk-based capital ratio | 14.3614% | 3,756 |
| Memoranda: | ||
| Average total assets | $148,575,330 | 3,456 |
| Average earning assets | $140,714,000 | 3,402 |
| Average equity | $13,702,670 | 3,837 |
| Average total loans | $121,097,330 | 3,024 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7210% | 1,259 |
| Cost of funding earning assets | 0.7504% | 1,191 |
| Net interest margin | 3.9706% | 1,814 |
| Noninterest income to average assets | 0.2539% | 4,485 |
| Noninterest expense to average assets | 2.5875% | 3,369 |
| Loan and lease loss provision to assets | 0.0972% | 1,894 |
| Net operating income to assets | 1.0020% | 2,853 |
| Return on assets (ROA) | 1.0020% | 2,872 |
| Pretax return on assets | 1.3423% | 2,213 |
| Return on Equity (ROE) | 10.1588% | 2,353 |
| Retained earnings to average equity (ytd only) | 10.1588% | 1,114 |
| Net charge-offs to loans | -0.0132% | 4,368 |
| Credit loss provision to net charge-offs | -900.0000% | 4,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2522% | 3,435 |
| Assets per employee ($millions) | 4.6395% | 2,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4978% | 1,478 |
| Loan loss allowance to noncurrent loans | 88.8944% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 1.5324% | 894 |
| Noncurrent loans to loans | 1.6849% | 1,013 |
| Net loans and leases to total assets | 79.4260% | 1,017 |
| Net loans and leases to deposits | 89.9218% | 1,703 |
| Net loans and leases to core deposits | 102.0493% | 1,524 |
| Total domestic deposits to total assets | 88.3278% | 1,447 |
| Equity capital to assets | 9.9209% | 3,674 |
| Core capital (leverage) ratio | 10.1871% | 3,320 |
| Tier 1 risk-based capital ratio | 13.8485% | 3,465 |
| Total risk-based capital ratio | 15.1031% | 3,376 |
| Memoranda: | ||
| Average total assets | $148,099,000 | 3,488 |
| Average earning assets | $140,733,000 | 3,438 |
| Average equity | $14,608,000 | 3,759 |
| Average total loans | $121,070,000 | 3,050 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9848% | 667 |
| Cost of funding earning assets | 0.7535% | 809 |
| Net interest margin | 4.2313% | 1,123 |
| Noninterest income to average assets | 0.2985% | 4,312 |
| Noninterest expense to average assets | 2.5247% | 3,700 |
| Loan and lease loss provision to assets | 0.1034% | 2,161 |
| Net operating income to assets | 0.9565% | 2,417 |
| Return on assets (ROA) | 0.9569% | 2,450 |
| Pretax return on assets | 1.6546% | 1,138 |
| Return on Equity (ROE) | 10.0874% | 1,847 |
| Retained earnings to average equity (ytd only) | 8.9972% | 506 |
| Net charge-offs to loans | -0.0424% | 5,145 |
| Credit loss provision to net charge-offs | -300.0000% | 4,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9599% | 4,420 |
| Assets per employee ($millions) | 4.6167% | 3,004 |
| Cash dividends to net income (ytd only)* | 10.8069% | 3,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4319% | 1,645 |
| Loan loss allowance to noncurrent loans | 278.6963% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.6004% | 2,550 |
| Noncurrent loans to loans | 0.5138% | 2,976 |
| Net loans and leases to total assets | 81.6840% | 725 |
| Net loans and leases to deposits | 92.3488% | 1,476 |
| Net loans and leases to core deposits | 105.5257% | 1,293 |
| Total domestic deposits to total assets | 88.4515% | 1,270 |
| Equity capital to assets | 9.8061% | 3,911 |
| Core capital (leverage) ratio | 9.8530% | 3,634 |
| Tier 1 risk-based capital ratio | 13.2701% | 3,754 |
| Total risk-based capital ratio | 14.5236% | 3,676 |
| Memoranda: | ||
| Average total assets | $145,049,200 | 3,539 |
| Average earning assets | $136,554,000 | 3,500 |
| Average equity | $13,759,800 | 3,876 |
| Average total loans | $117,826,400 | 3,088 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9464% | 682 |
| Cost of funding earning assets | 0.7451% | 775 |
| Net interest margin | 4.2013% | 1,153 |
| Noninterest income to average assets | 0.2798% | 4,515 |
| Noninterest expense to average assets | 2.4408% | 3,911 |
| Loan and lease loss provision to assets | 0.1108% | 1,930 |
| Net operating income to assets | 1.0611% | 2,280 |
| Return on assets (ROA) | 1.0611% | 2,313 |
| Pretax return on assets | 1.6752% | 1,184 |
| Return on Equity (ROE) | 11.2827% | 1,577 |
| Retained earnings to average equity (ytd only) | 10.0552% | 574 |
| Net charge-offs to loans | -0.0343% | 5,041 |
| Credit loss provision to net charge-offs | -400.0000% | 4,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7452% | 4,539 |
| Assets per employee ($millions) | 4.8411% | 2,646 |
| Cash dividends to net income (ytd only)* | 10.8789% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4204% | 1,807 |
| Loan loss allowance to noncurrent loans | 248.0349% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.9009% | 1,897 |
| Noncurrent loans to loans | 0.5726% | 2,979 |
| Net loans and leases to total assets | 78.8046% | 1,149 |
| Net loans and leases to deposits | 88.9740% | 1,927 |
| Net loans and leases to core deposits | 100.9380% | 1,628 |
| Total domestic deposits to total assets | 88.5704% | 1,088 |
| Equity capital to assets | 9.5819% | 4,362 |
| Core capital (leverage) ratio | 9.7284% | 3,900 |
| Tier 1 risk-based capital ratio | 13.1287% | 3,922 |
| Total risk-based capital ratio | 14.3826% | 3,828 |
| Memoranda: | ||
| Average total assets | $144,378,000 | 3,573 |
| Average earning assets | $135,637,750 | 3,540 |
| Average equity | $13,578,000 | 3,937 |
| Average total loans | $116,676,000 | 3,125 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9243% | 660 |
| Cost of funding earning assets | 0.7273% | 775 |
| Net interest margin | 4.1971% | 1,080 |
| Noninterest income to average assets | 0.3018% | 4,377 |
| Noninterest expense to average assets | 2.5477% | 3,590 |
| Loan and lease loss provision to assets | 0.1123% | 1,826 |
| Net operating income to assets | 0.9994% | 2,432 |
| Return on assets (ROA) | 0.9994% | 2,473 |
| Pretax return on assets | 1.6030% | 1,335 |
| Return on Equity (ROE) | 10.6982% | 1,756 |
| Retained earnings to average equity (ytd only) | 10.6982% | 480 |
| Net charge-offs to loans | -0.0450% | 5,129 |
| Credit loss provision to net charge-offs | -307.6923% | 4,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7629% | 4,347 |
| Assets per employee ($millions) | 4.9345% | 2,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3866% | 2,005 |
| Loan loss allowance to noncurrent loans | 240.2315% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.8390% | 2,113 |
| Noncurrent loans to loans | 0.5772% | 3,000 |
| Net loans and leases to total assets | 79.7487% | 990 |
| Net loans and leases to deposits | 89.5279% | 1,796 |
| Net loans and leases to core deposits | 100.6299% | 1,608 |
| Total domestic deposits to total assets | 89.0769% | 920 |
| Equity capital to assets | 9.4701% | 4,431 |
| Core capital (leverage) ratio | 9.8062% | 3,768 |
| Tier 1 risk-based capital ratio | 12.5583% | 4,267 |
| Total risk-based capital ratio | 13.8111% | 4,167 |
| Memoranda: | ||
| Average total assets | $142,479,000 | 3,626 |
| Average earning assets | $134,475,330 | 3,583 |
| Average equity | $13,310,670 | 3,993 |
| Average total loans | $115,578,000 | 3,151 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8977% | 635 |
| Cost of funding earning assets | 0.7301% | 720 |
| Net interest margin | 4.1676% | 1,051 |
| Noninterest income to average assets | 0.3522% | 4,023 |
| Noninterest expense to average assets | 2.5598% | 3,627 |
| Loan and lease loss provision to assets | 0.0859% | 2,101 |
| Net operating income to assets | 1.0107% | 2,262 |
| Return on assets (ROA) | 1.0107% | 2,314 |
| Pretax return on assets | 1.6292% | 1,164 |
| Return on Equity (ROE) | 10.8980% | 1,607 |
| Retained earnings to average equity (ytd only) | 10.8980% | 625 |
| Net charge-offs to loans | 0.0035% | 2,851 |
| Credit loss provision to net charge-offs | 3,000.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 599.0000% | 93 |
| Efficiency ratio | 59.8794% | 4,466 |
| Assets per employee ($millions) | 4.9152% | 2,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3794% | 2,166 |
| Loan loss allowance to noncurrent loans | 1,582.0000% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.3957% | 3,614 |
| Noncurrent loans to loans | 0.0872% | 4,846 |
| Net loans and leases to total assets | 79.3492% | 925 |
| Net loans and leases to deposits | 88.5432% | 1,727 |
| Net loans and leases to core deposits | 98.3693% | 1,633 |
| Total domestic deposits to total assets | 89.6164% | 846 |
| Equity capital to assets | 9.2576% | 4,559 |
| Core capital (leverage) ratio | 9.6107% | 3,977 |
| Tier 1 risk-based capital ratio | 12.5355% | 4,366 |
| Total risk-based capital ratio | 13.7880% | 4,272 |
| Memoranda: | ||
| Average total assets | $139,701,000 | 3,698 |
| Average earning assets | $131,490,000 | 3,655 |
| Average equity | $12,956,500 | 4,069 |
| Average total loans | $113,509,000 | 3,195 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9616% | 644 |
| Cost of funding earning assets | 0.7712% | 573 |
| Net interest margin | 4.1904% | 1,150 |
| Noninterest income to average assets | 0.3661% | 4,126 |
| Noninterest expense to average assets | 2.5482% | 3,848 |
| Loan and lease loss provision to assets | 0.1310% | 1,900 |
| Net operating income to assets | 1.0423% | 2,173 |
| Return on assets (ROA) | 1.0428% | 2,272 |
| Pretax return on assets | 1.6372% | 1,171 |
| Return on Equity (ROE) | 11.3698% | 1,443 |
| Retained earnings to average equity (ytd only) | 11.3698% | 268 |
| Net charge-offs to loans | 0.0181% | 3,701 |
| Credit loss provision to net charge-offs | 921.0526% | 411 |
| Earnings coverage of net charge-offs (x) | 124.2632% | 491 |
| Efficiency ratio | 59.0460% | 4,721 |
| Assets per employee ($millions) | 4.8879% | 2,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 2,150 |
| Loan loss allowance to noncurrent loans | 1,585.7143% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.6452% | 2,792 |
| Noncurrent loans to loans | 0.0872% | 4,890 |
| Net loans and leases to total assets | 80.9411% | 747 |
| Net loans and leases to deposits | 90.3203% | 1,650 |
| Net loans and leases to core deposits | 100.7055% | 1,561 |
| Total domestic deposits to total assets | 89.6157% | 816 |
| Equity capital to assets | 9.2920% | 4,484 |
| Core capital (leverage) ratio | 9.2940% | 4,355 |
| Tier 1 risk-based capital ratio | 12.7602% | 4,225 |
| Total risk-based capital ratio | 14.0128% | 4,115 |
| Memoranda: | ||
| Average total assets | $133,584,400 | 3,775 |
| Average earning assets | $125,907,400 | 3,724 |
| Average equity | $12,251,800 | 4,211 |
| Average total loans | $105,103,600 | 3,293 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8173% | 867 |
| Cost of funding earning assets | 0.7690% | 578 |
| Net interest margin | 4.0483% | 1,531 |
| Noninterest income to average assets | 0.4248% | 3,731 |
| Noninterest expense to average assets | 2.4805% | 4,043 |
| Loan and lease loss provision to assets | 0.0402% | 3,438 |
| Net operating income to assets | 1.0669% | 2,134 |
| Return on assets (ROA) | 1.0675% | 2,240 |
| Pretax return on assets | 1.7273% | 1,043 |
| Return on Equity (ROE) | 11.6790% | 1,420 |
| Retained earnings to average equity (ytd only) | 11.6790% | 339 |
| Net charge-offs to loans | -0.0065% | 4,665 |
| Credit loss provision to net charge-offs | -800.0000% | 5,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4062% | 4,764 |
| Assets per employee ($millions) | 4.8535% | 2,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3740% | 2,322 |
| Loan loss allowance to noncurrent loans | 1,637.5000% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.6451% | 2,965 |
| Noncurrent loans to loans | 0.0839% | 5,014 |
| Net loans and leases to total assets | 73.4865% | 1,950 |
| Net loans and leases to deposits | 81.4747% | 2,801 |
| Net loans and leases to core deposits | 90.6663% | 2,516 |
| Total domestic deposits to total assets | 90.1955% | 407 |
| Equity capital to assets | 9.0323% | 5,147 |
| Core capital (leverage) ratio | 9.1962% | 4,597 |
| Tier 1 risk-based capital ratio | 13.5414% | 3,836 |
| Total risk-based capital ratio | 14.7952% | 3,747 |
| Memoranda: | ||
| Average total assets | $132,765,500 | 3,813 |
| Average earning assets | $125,350,000 | 3,746 |
| Average equity | $12,135,500 | 4,267 |
| Average total loans | $103,297,000 | 3,331 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8263% | 841 |
| Cost of funding earning assets | 0.7762% | 550 |
| Net interest margin | 4.0501% | 1,504 |
| Noninterest income to average assets | 0.4935% | 3,240 |
| Noninterest expense to average assets | 2.5195% | 3,983 |
| Loan and lease loss provision to assets | 0.0154% | 3,803 |
| Net operating income to assets | 1.0853% | 2,009 |
| Return on assets (ROA) | 1.0853% | 2,145 |
| Pretax return on assets | 1.7847% | 913 |
| Return on Equity (ROE) | 11.8228% | 1,380 |
| Retained earnings to average equity (ytd only) | 11.8228% | 352 |
| Net charge-offs to loans | -0.0039% | 4,475 |
| Credit loss provision to net charge-offs | -500.0000% | 4,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3274% | 4,859 |
| Assets per employee ($millions) | 4.6819% | 2,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 2,629 |
| Loan loss allowance to noncurrent loans | 1,515.0538% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.6724% | 2,986 |
| Noncurrent loans to loans | 0.0877% | 5,100 |
| Net loans and leases to total assets | 77.0202% | 1,334 |
| Net loans and leases to deposits | 85.3172% | 2,320 |
| Net loans and leases to core deposits | 93.5677% | 2,205 |
| Total domestic deposits to total assets | 90.2752% | 393 |
| Equity capital to assets | 9.1040% | 5,154 |
| Core capital (leverage) ratio | 9.1241% | 4,685 |
| Tier 1 risk-based capital ratio | 13.0732% | 4,161 |
| Total risk-based capital ratio | 14.3284% | 4,074 |
| Memoranda: | ||
| Average total assets | $130,103,670 | 3,883 |
| Average earning assets | $122,909,670 | 3,828 |
| Average equity | $11,943,000 | 4,329 |
| Average total loans | $102,771,330 | 3,359 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7446% | 960 |
| Cost of funding earning assets | 0.7697% | 579 |
| Net interest margin | 3.9749% | 1,692 |
| Noninterest income to average assets | 0.2546% | 4,921 |
| Noninterest expense to average assets | 2.5647% | 3,870 |
| Loan and lease loss provision to assets | 0.0314% | 3,246 |
| Net operating income to assets | 0.8738% | 2,883 |
| Return on assets (ROA) | 0.8738% | 2,997 |
| Pretax return on assets | 1.4081% | 1,880 |
| Return on Equity (ROE) | 9.4767% | 2,207 |
| Retained earnings to average equity (ytd only) | 9.4767% | 981 |
| Net charge-offs to loans | -0.0079% | 4,441 |
| Credit loss provision to net charge-offs | -500.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0502% | 4,117 |
| Assets per employee ($millions) | 4.7025% | 2,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 2,426 |
| Loan loss allowance to noncurrent loans | 1,637.2093% | 383 |
| Noncurrent assets plus other real estate owned to assets | 1.1043% | 2,004 |
| Noncurrent loans to loans | 0.0855% | 5,134 |
| Net loans and leases to total assets | 75.3306% | 1,499 |
| Net loans and leases to deposits | 83.1666% | 2,409 |
| Net loans and leases to core deposits | 91.7090% | 2,212 |
| Total domestic deposits to total assets | 90.5779% | 409 |
| Equity capital to assets | 9.0219% | 5,150 |
| Core capital (leverage) ratio | 9.1402% | 4,675 |
| Tier 1 risk-based capital ratio | 13.0637% | 4,228 |
| Total risk-based capital ratio | 14.3177% | 4,139 |
| Memoranda: | ||
| Average total assets | $127,267,500 | 3,955 |
| Average earning assets | $120,052,500 | 3,905 |
| Average equity | $11,734,000 | 4,374 |
| Average total loans | $101,165,000 | 3,400 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0729% | 545 |
| Cost of funding earning assets | 0.7403% | 666 |
| Net interest margin | 4.3326% | 902 |
| Noninterest income to average assets | 0.2947% | 4,776 |
| Noninterest expense to average assets | 3.1002% | 2,239 |
| Loan and lease loss provision to assets | 0.1739% | 1,310 |
| Net operating income to assets | 0.6603% | 3,993 |
| Return on assets (ROA) | 0.6781% | 4,010 |
| Pretax return on assets | 1.0937% | 3,092 |
| Return on Equity (ROE) | 6.7999% | 3,620 |
| Retained earnings to average equity (ytd only) | 6.7999% | 1,373 |
| Net charge-offs to loans | 0.0473% | 3,265 |
| Credit loss provision to net charge-offs | 444.4444% | 689 |
| Earnings coverage of net charge-offs (x) | 31.6889% | 1,398 |
| Efficiency ratio | 71.4343% | 2,998 |
| Assets per employee ($millions) | 4.7353% | 2,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3675% | 2,567 |
| Loan loss allowance to noncurrent loans | 249.0196% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 1.5432% | 1,290 |
| Noncurrent loans to loans | 0.5492% | 3,521 |
| Net loans and leases to total assets | 81.8395% | 612 |
| Net loans and leases to deposits | 90.9649% | 1,510 |
| Net loans and leases to core deposits | 101.0764% | 1,436 |
| Total domestic deposits to total assets | 89.9682% | 642 |
| Equity capital to assets | 9.6183% | 4,414 |
| Core capital (leverage) ratio | 9.5362% | 4,122 |
| Tier 1 risk-based capital ratio | 13.1302% | 4,218 |
| Total risk-based capital ratio | 14.3842% | 4,139 |
| Memoranda: | ||
| Average total assets | $115,024,600 | 4,159 |
| Average earning assets | $107,395,000 | 4,105 |
| Average equity | $11,470,800 | 4,397 |
| Average total loans | $95,125,600 | 3,471 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0446% | 565 |
| Cost of funding earning assets | 0.7225% | 745 |
| Net interest margin | 4.3222% | 921 |
| Noninterest income to average assets | 0.3032% | 4,767 |
| Noninterest expense to average assets | 3.0288% | 2,436 |
| Loan and lease loss provision to assets | 0.1770% | 1,192 |
| Net operating income to assets | 0.6749% | 4,012 |
| Return on assets (ROA) | 0.6749% | 4,119 |
| Pretax return on assets | 1.1209% | 3,133 |
| Return on Equity (ROE) | 6.7028% | 3,778 |
| Retained earnings to average equity (ytd only) | 6.7028% | 1,831 |
| Net charge-offs to loans | 0.0643% | 2,662 |
| Credit loss provision to net charge-offs | 333.3333% | 877 |
| Earnings coverage of net charge-offs (x) | 24.4438% | 1,691 |
| Efficiency ratio | 70.0027% | 3,214 |
| Assets per employee ($millions) | 4.5938% | 2,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 2,942 |
| Loan loss allowance to noncurrent loans | 238.8988% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 1.7117% | 1,264 |
| Noncurrent loans to loans | 0.5577% | 3,659 |
| Net loans and leases to total assets | 80.3019% | 780 |
| Net loans and leases to deposits | 89.1251% | 1,755 |
| Net loans and leases to core deposits | 97.9457% | 1,700 |
| Total domestic deposits to total assets | 90.1001% | 533 |
| Equity capital to assets | 9.3887% | 4,897 |
| Core capital (leverage) ratio | 9.7092% | 4,023 |
| Tier 1 risk-based capital ratio | 13.0500% | 4,403 |
| Total risk-based capital ratio | 14.3030% | 4,317 |
| Memoranda: | ||
| Average total assets | $113,001,000 | 4,244 |
| Average earning assets | $105,191,500 | 4,202 |
| Average equity | $11,378,000 | 4,464 |
| Average total loans | $93,367,750 | 3,549 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0987% | 505 |
| Cost of funding earning assets | 0.7065% | 812 |
| Net interest margin | 4.3922% | 770 |
| Noninterest income to average assets | 0.2689% | 5,029 |
| Noninterest expense to average assets | 3.1667% | 2,076 |
| Loan and lease loss provision to assets | 0.0732% | 2,643 |
| Net operating income to assets | 0.7830% | 3,476 |
| Return on assets (ROA) | 0.7830% | 3,578 |
| Pretax return on assets | 1.1123% | 3,121 |
| Return on Equity (ROE) | 7.5826% | 3,274 |
| Retained earnings to average equity (ytd only) | 7.5826% | 1,437 |
| Net charge-offs to loans | 0.0066% | 3,666 |
| Credit loss provision to net charge-offs | 1,333.3333% | 274 |
| Earnings coverage of net charge-offs (x) | 216.0000% | 326 |
| Efficiency ratio | 72.7617% | 2,887 |
| Assets per employee ($millions) | 4.2987% | 3,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3430% | 3,017 |
| Loan loss allowance to noncurrent loans | 225.7951% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 1.5948% | 1,512 |
| Noncurrent loans to loans | 0.5948% | 3,678 |
| Net loans and leases to total assets | 80.8900% | 687 |
| Net loans and leases to deposits | 90.3574% | 1,552 |
| Net loans and leases to core deposits | 99.2295% | 1,551 |
| Total domestic deposits to total assets | 89.5223% | 888 |
| Equity capital to assets | 9.8910% | 4,166 |
| Core capital (leverage) ratio | 10.0064% | 3,593 |
| Tier 1 risk-based capital ratio | 13.9744% | 3,949 |
| Total risk-based capital ratio | 15.2283% | 3,878 |
| Memoranda: | ||
| Average total assets | $109,324,000 | 4,354 |
| Average earning assets | $101,634,000 | 4,324 |
| Average equity | $11,289,000 | 4,510 |
| Average total loans | $90,842,000 | 3,616 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9268% | 657 |
| Cost of funding earning assets | 0.6735% | 980 |
| Net interest margin | 4.2533% | 971 |
| Noninterest income to average assets | 0.2567% | 5,119 |
| Noninterest expense to average assets | 3.1939% | 2,000 |
| Loan and lease loss provision to assets | 0.1510% | 1,352 |
| Net operating income to assets | 0.8457% | 3,030 |
| Return on assets (ROA) | 0.8457% | 3,151 |
| Pretax return on assets | 0.8457% | 4,079 |
| Return on Equity (ROE) | 8.0046% | 2,954 |
| Retained earnings to average equity (ytd only) | 8.0046% | 1,570 |
| Net charge-offs to loans | 0.0135% | 2,911 |
| Credit loss provision to net charge-offs | 1,333.3333% | 271 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 545 |
| Efficiency ratio | 76.2162% | 2,485 |
| Assets per employee ($millions) | 4.1056% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 2,948 |
| Loan loss allowance to noncurrent loans | 84.8606% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 2.5178% | 854 |
| Noncurrent loans to loans | 1.6413% | 1,700 |
| Net loans and leases to total assets | 81.6202% | 501 |
| Net loans and leases to deposits | 91.1239% | 1,280 |
| Net loans and leases to core deposits | 99.0226% | 1,392 |
| Total domestic deposits to total assets | 89.5706% | 958 |
| Equity capital to assets | 10.2138% | 3,869 |
| Core capital (leverage) ratio | 10.5797% | 2,871 |
| Tier 1 risk-based capital ratio | 13.3365% | 4,406 |
| Total risk-based capital ratio | 14.5888% | 4,319 |
| Memoranda: | ||
| Average total assets | $105,953,500 | 4,454 |
| Average earning assets | $97,994,500 | 4,457 |
| Average equity | $11,193,500 | 4,560 |
| Average total loans | $88,681,500 | 3,680 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2088% | 516 |
| Cost of funding earning assets | 0.5951% | 1,804 |
| Net interest margin | 4.6136% | 604 |
| Noninterest income to average assets | 0.2403% | 5,405 |
| Noninterest expense to average assets | 3.4497% | 1,601 |
| Loan and lease loss provision to assets | 0.0468% | 3,634 |
| Net operating income to assets | 1.4841% | 904 |
| Return on assets (ROA) | 1.5755% | 782 |
| Pretax return on assets | 1.0301% | 3,386 |
| Return on Equity (ROE) | 13.9627% | 938 |
| Retained earnings to average equity (ytd only) | 13.9627% | 178 |
| Net charge-offs to loans | 0.0100% | 4,707 |
| Credit loss provision to net charge-offs | 550.0000% | 480 |
| Earnings coverage of net charge-offs (x) | 115.8750% | 457 |
| Efficiency ratio | 77.7804% | 2,234 |
| Assets per employee ($millions) | 3.8938% | 4,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4496% | 2,700 |
| Loan loss allowance to noncurrent loans | 81.4839% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 2.9090% | 713 |
| Noncurrent loans to loans | 1.7790% | 1,617 |
| Net loans and leases to total assets | 83.3355% | 395 |
| Net loans and leases to deposits | 93.9929% | 1,073 |
| Net loans and leases to core deposits | 100.8282% | 1,335 |
| Total domestic deposits to total assets | 88.6615% | 1,437 |
| Equity capital to assets | 11.1232% | 2,780 |
| Core capital (leverage) ratio | 11.1984% | 2,218 |
| Tier 1 risk-based capital ratio | 13.3643% | 4,490 |
| Total risk-based capital ratio | 14.6154% | 4,428 |
| Memoranda: | ||
| Average total assets | $94,066,200 | 4,754 |
| Average earning assets | $85,529,000 | 4,748 |
| Average equity | $10,614,000 | 4,634 |
| Average total loans | $80,116,400 | 3,874 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2554% | 470 |
| Cost of funding earning assets | 0.5940% | 1,891 |
| Net interest margin | 4.6613% | 546 |
| Noninterest income to average assets | 0.2052% | 5,700 |
| Noninterest expense to average assets | 3.3422% | 1,807 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.8221% | 495 |
| Return on assets (ROA) | 1.9464% | 389 |
| Pretax return on assets | 1.2051% | 2,756 |
| Return on Equity (ROE) | 17.1825% | 529 |
| Retained earnings to average equity (ytd only) | 17.1825% | 135 |
| Net charge-offs to loans | 0.0660% | 3,255 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 19.1790% | 1,799 |
| Efficiency ratio | 75.5635% | 2,566 |
| Assets per employee ($millions) | 3.5121% | 4,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 3,076 |
| Loan loss allowance to noncurrent loans | 167.2884% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 2.4750% | 1,075 |
| Noncurrent loans to loans | 0.8496% | 3,443 |
| Net loans and leases to total assets | 85.2860% | 239 |
| Net loans and leases to deposits | 97.6551% | 757 |
| Net loans and leases to core deposits | 104.3468% | 1,083 |
| Total domestic deposits to total assets | 87.3339% | 2,136 |
| Equity capital to assets | 11.7033% | 2,303 |
| Core capital (leverage) ratio | 11.4636% | 2,092 |
| Tier 1 risk-based capital ratio | 13.5283% | 4,521 |
| Total risk-based capital ratio | 14.7523% | 4,476 |
| Memoranda: | ||
| Average total assets | $92,273,000 | 4,837 |
| Average earning assets | $83,493,500 | 4,854 |
| Average equity | $10,452,250 | 4,699 |
| Average total loans | $78,743,250 | 3,937 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2251% | 485 |
| Cost of funding earning assets | 0.5884% | 1,993 |
| Net interest margin | 4.6367% | 547 |
| Noninterest income to average assets | 0.1969% | 5,785 |
| Noninterest expense to average assets | 3.3209% | 1,867 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.1877% | 233 |
| Return on assets (ROA) | 2.1877% | 242 |
| Pretax return on assets | 1.0654% | 3,225 |
| Return on Equity (ROE) | 19.5370% | 314 |
| Retained earnings to average equity (ytd only) | 19.5370% | 88 |
| Net charge-offs to loans | -0.0773% | 6,063 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7107% | 2,688 |
| Assets per employee ($millions) | 3.8950% | 4,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5413% | 2,713 |
| Loan loss allowance to noncurrent loans | 109.2920% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 2.6754% | 1,004 |
| Noncurrent loans to loans | 1.4103% | 2,443 |
| Net loans and leases to total assets | 84.3945% | 274 |
| Net loans and leases to deposits | 100.4124% | 536 |
| Net loans and leases to core deposits | 107.2048% | 816 |
| Total domestic deposits to total assets | 84.0479% | 3,905 |
| Equity capital to assets | 11.5201% | 2,408 |
| Core capital (leverage) ratio | 11.4534% | 2,046 |
| Tier 1 risk-based capital ratio | 13.3018% | 4,718 |
| Total risk-based capital ratio | 14.5158% | 4,680 |
| Memoranda: | ||
| Average total assets | $91,421,330 | 4,892 |
| Average earning assets | $82,601,000 | 4,917 |
| Average equity | $10,237,000 | 4,755 |
| Average total loans | $77,644,000 | 3,981 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1844% | 502 |
| Cost of funding earning assets | 0.5963% | 2,002 |
| Net interest margin | 4.5881% | 567 |
| Noninterest income to average assets | 0.1593% | 6,017 |
| Noninterest expense to average assets | 3.1065% | 2,511 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.8056% | 110 |
| Return on assets (ROA) | 2.8056% | 115 |
| Pretax return on assets | 1.1727% | 2,600 |
| Return on Equity (ROE) | 25.4338% | 110 |
| Retained earnings to average equity (ytd only) | 25.4338% | 55 |
| Net charge-offs to loans | -0.1204% | 6,191 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5957% | 3,379 |
| Assets per employee ($millions) | 3.7849% | 4,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6207% | 2,609 |
| Loan loss allowance to noncurrent loans | 151.9802% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 2.8700% | 1,017 |
| Noncurrent loans to loans | 1.0664% | 3,291 |
| Net loans and leases to total assets | 82.0602% | 351 |
| Net loans and leases to deposits | 93.3361% | 848 |
| Net loans and leases to core deposits | 99.5287% | 1,133 |
| Total domestic deposits to total assets | 87.9190% | 2,278 |
| Equity capital to assets | 11.3456% | 2,380 |
| Core capital (leverage) ratio | 11.2025% | 2,219 |
| Tier 1 risk-based capital ratio | 13.4715% | 4,708 |
| Total risk-based capital ratio | 14.7108% | 4,656 |
| Memoranda: | ||
| Average total assets | $90,392,000 | 4,961 |
| Average earning assets | $81,166,500 | 4,995 |
| Average equity | $9,971,000 | 4,821 |
| Average total loans | $76,402,500 | 4,049 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0950% | 768 |
| Cost of funding earning assets | 0.6714% | 2,030 |
| Net interest margin | 4.4236% | 868 |
| Noninterest income to average assets | 0.3217% | 5,035 |
| Noninterest expense to average assets | 3.4469% | 1,774 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.8127% | 473 |
| Return on assets (ROA) | 1.8127% | 482 |
| Pretax return on assets | 0.8562% | 3,935 |
| Return on Equity (ROE) | 16.8862% | 514 |
| Retained earnings to average equity (ytd only) | 16.8862% | 127 |
| Net charge-offs to loans | -0.0704% | 6,408 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1023% | 2,134 |
| Assets per employee ($millions) | 3.9107% | 4,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5642% | 2,906 |
| Loan loss allowance to noncurrent loans | 142.6036% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 2.9562% | 1,079 |
| Noncurrent loans to loans | 1.0969% | 3,339 |
| Net loans and leases to total assets | 84.3063% | 236 |
| Net loans and leases to deposits | 96.4133% | 703 |
| Net loans and leases to core deposits | 101.9343% | 1,036 |
| Total domestic deposits to total assets | 87.4426% | 2,499 |
| Equity capital to assets | 10.7130% | 2,923 |
| Core capital (leverage) ratio | 11.0452% | 2,349 |
| Tier 1 risk-based capital ratio | 12.7515% | 5,144 |
| Total risk-based capital ratio | 13.9468% | 5,122 |
| Memoranda: | ||
| Average total assets | $81,754,600 | 5,202 |
| Average earning assets | $73,582,600 | 5,207 |
| Average equity | $8,776,400 | 5,147 |
| Average total loans | $66,741,600 | 4,388 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0203% | 905 |
| Cost of funding earning assets | 0.6969% | 1,975 |
| Net interest margin | 4.3234% | 1,042 |
| Noninterest income to average assets | 0.3245% | 5,084 |
| Noninterest expense to average assets | 3.3104% | 2,052 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8949% | 2,857 |
| Return on assets (ROA) | 0.8949% | 2,975 |
| Pretax return on assets | 0.8949% | 3,909 |
| Return on Equity (ROE) | 8.3317% | 2,957 |
| Retained earnings to average equity (ytd only) | 8.3317% | 1,278 |
| Net charge-offs to loans | -0.0706% | 6,410 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7192% | 2,306 |
| Assets per employee ($millions) | 3.8207% | 4,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6734% | 2,719 |
| Loan loss allowance to noncurrent loans | 169.0780% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 3.6176% | 914 |
| Noncurrent loans to loans | 0.9897% | 3,832 |
| Net loans and leases to total assets | 79.7030% | 582 |
| Net loans and leases to deposits | 89.9343% | 1,173 |
| Net loans and leases to core deposits | 95.4509% | 1,437 |
| Total domestic deposits to total assets | 88.6236% | 1,768 |
| Equity capital to assets | 9.9141% | 4,030 |
| Core capital (leverage) ratio | 10.7441% | 2,730 |
| Tier 1 risk-based capital ratio | 12.2028% | 5,644 |
| Total risk-based capital ratio | 13.4530% | 5,583 |
| Memoranda: | ||
| Average total assets | $79,706,500 | 5,293 |
| Average earning assets | $71,547,750 | 5,317 |
| Average equity | $8,561,500 | 5,251 |
| Average total loans | $64,168,000 | 4,524 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0448% | 853 |
| Cost of funding earning assets | 0.7037% | 2,043 |
| Net interest margin | 4.3411% | 955 |
| Noninterest income to average assets | 0.3923% | 4,580 |
| Noninterest expense to average assets | 3.2371% | 2,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0340% | 2,188 |
| Return on assets (ROA) | 1.0340% | 2,304 |
| Pretax return on assets | 1.0340% | 3,355 |
| Return on Equity (ROE) | 9.3522% | 2,472 |
| Retained earnings to average equity (ytd only) | 9.3522% | 1,010 |
| Net charge-offs to loans | -0.0615% | 6,337 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7908% | 2,818 |
| Assets per employee ($millions) | 3.4507% | 4,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8064% | 2,420 |
| Loan loss allowance to noncurrent loans | 158.4118% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 3.9879% | 866 |
| Noncurrent loans to loans | 1.1403% | 3,651 |
| Net loans and leases to total assets | 80.6126% | 477 |
| Net loans and leases to deposits | 92.1118% | 949 |
| Net loans and leases to core deposits | 98.8734% | 1,151 |
| Total domestic deposits to total assets | 87.5161% | 2,530 |
| Equity capital to assets | 10.9228% | 2,824 |
| Core capital (leverage) ratio | 11.4095% | 2,011 |
| Tier 1 risk-based capital ratio | 13.3481% | 4,879 |
| Total risk-based capital ratio | 14.6125% | 4,818 |
| Memoranda: | ||
| Average total assets | $76,983,670 | 5,391 |
| Average earning assets | $68,784,000 | 5,427 |
| Average equity | $8,511,330 | 5,305 |
| Average total loans | $61,813,670 | 4,612 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9575% | 967 |
| Cost of funding earning assets | 0.7074% | 2,147 |
| Net interest margin | 4.2501% | 1,071 |
| Noninterest income to average assets | 0.5436% | 3,484 |
| Noninterest expense to average assets | 3.2721% | 2,155 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0766% | 1,944 |
| Return on assets (ROA) | 1.0766% | 2,050 |
| Pretax return on assets | 1.0766% | 3,038 |
| Return on Equity (ROE) | 9.6768% | 2,201 |
| Retained earnings to average equity (ytd only) | 9.6768% | 1,193 |
| Net charge-offs to loans | -0.0798% | 6,351 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2427% | 3,050 |
| Assets per employee ($millions) | 3.9781% | 3,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8848% | 2,353 |
| Loan loss allowance to noncurrent loans | 145.1613% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 4.0194% | 988 |
| Noncurrent loans to loans | 1.2984% | 3,614 |
| Net loans and leases to total assets | 80.5816% | 375 |
| Net loans and leases to deposits | 91.1794% | 876 |
| Net loans and leases to core deposits | 98.2228% | 1,066 |
| Total domestic deposits to total assets | 88.3770% | 2,083 |
| Equity capital to assets | 11.2869% | 2,648 |
| Core capital (leverage) ratio | 11.2838% | 2,021 |
| Tier 1 risk-based capital ratio | 13.3963% | 4,941 |
| Total risk-based capital ratio | 14.5522% | 4,962 |
| Memoranda: | ||
| Average total assets | $75,792,500 | 5,465 |
| Average earning assets | $67,856,500 | 5,499 |
| Average equity | $8,432,500 | 5,378 |
| Average total loans | $60,142,500 | 4,700 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9112% | 1,803 |
| Cost of funding earning assets | 0.8821% | 2,057 |
| Net interest margin | 4.0291% | 2,278 |
| Noninterest income to average assets | 0.2993% | 5,322 |
| Noninterest expense to average assets | 3.1697% | 2,714 |
| Loan and lease loss provision to assets | 0.1490% | 3,744 |
| Net operating income to assets | 0.5779% | 4,345 |
| Return on assets (ROA) | 0.7338% | 3,830 |
| Pretax return on assets | 0.7338% | 4,546 |
| Return on Equity (ROE) | 7.0683% | 3,601 |
| Retained earnings to average equity (ytd only) | 7.0683% | 1,533 |
| Net charge-offs to loans | -0.1085% | 6,837 |
| Credit loss provision to net charge-offs | -186.2069% | 6,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3451% | 1,964 |
| Assets per employee ($millions) | 4.0001% | 3,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9894% | 2,038 |
| Loan loss allowance to noncurrent loans | 147.7041% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 4.4157% | 945 |
| Noncurrent loans to loans | 1.3469% | 3,586 |
| Net loans and leases to total assets | 75.0651% | 1,036 |
| Net loans and leases to deposits | 84.5526% | 1,691 |
| Net loans and leases to core deposits | 88.8548% | 1,986 |
| Total domestic deposits to total assets | 88.7792% | 1,713 |
| Equity capital to assets | 10.9655% | 2,992 |
| Core capital (leverage) ratio | 11.4863% | 1,890 |
| Tier 1 risk-based capital ratio | 14.2322% | 4,214 |
| Total risk-based capital ratio | 15.5027% | 4,160 |
| Memoranda: | ||
| Average total assets | $72,500,000 | 5,563 |
| Average earning assets | $64,729,000 | 5,593 |
| Average equity | $7,526,600 | 5,631 |
| Average total loans | $53,473,800 | 4,966 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8647% | 2,138 |
| Cost of funding earning assets | 0.9249% | 2,015 |
| Net interest margin | 3.9398% | 2,756 |
| Noninterest income to average assets | 0.3704% | 4,866 |
| Noninterest expense to average assets | 3.2167% | 2,510 |
| Loan and lease loss provision to assets | 0.2010% | 3,071 |
| Net operating income to assets | 0.4654% | 4,971 |
| Return on assets (ROA) | 0.6757% | 4,288 |
| Pretax return on assets | 0.6757% | 4,936 |
| Return on Equity (ROE) | 6.6076% | 4,011 |
| Retained earnings to average equity (ytd only) | 6.6076% | 2,326 |
| Net charge-offs to loans | -0.3570% | 7,072 |
| Credit loss provision to net charge-offs | -77.1429% | 6,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8380% | 1,722 |
| Assets per employee ($millions) | 3.7651% | 4,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1784% | 1,749 |
| Loan loss allowance to noncurrent loans | 90.7096% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 5.8656% | 698 |
| Noncurrent loans to loans | 2.4015% | 2,401 |
| Net loans and leases to total assets | 77.8377% | 751 |
| Net loans and leases to deposits | 88.1770% | 1,327 |
| Net loans and leases to core deposits | 92.5196% | 1,730 |
| Total domestic deposits to total assets | 88.2744% | 1,865 |
| Equity capital to assets | 11.4236% | 2,826 |
| Core capital (leverage) ratio | 11.5381% | 1,959 |
| Tier 1 risk-based capital ratio | 13.9680% | 4,551 |
| Total risk-based capital ratio | 15.1857% | 4,530 |
| Memoranda: | ||
| Average total assets | $71,624,500 | 5,645 |
| Average earning assets | $63,860,000 | 5,671 |
| Average equity | $7,324,750 | 5,741 |
| Average total loans | $52,290,000 | 5,062 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7382% | 2,765 |
| Cost of funding earning assets | 0.9760% | 1,899 |
| Net interest margin | 3.7622% | 3,528 |
| Noninterest income to average assets | 0.6950% | 2,702 |
| Noninterest expense to average assets | 3.2685% | 2,393 |
| Loan and lease loss provision to assets | 0.6085% | 971 |
| Net operating income to assets | 0.1535% | 6,032 |
| Return on assets (ROA) | 0.3098% | 5,791 |
| Pretax return on assets | 0.3098% | 5,948 |
| Return on Equity (ROE) | 3.1524% | 5,627 |
| Retained earnings to average equity (ytd only) | 3.1524% | 4,524 |
| Net charge-offs to loans | 0.0473% | 4,732 |
| Credit loss provision to net charge-offs | 1,816.6667% | 173 |
| Earnings coverage of net charge-offs (x) | 22.7500% | 1,280 |
| Efficiency ratio | 81.0942% | 2,015 |
| Assets per employee ($millions) | 3.6754% | 4,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1844% | 1,807 |
| Loan loss allowance to noncurrent loans | 139.9533% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 5.3514% | 854 |
| Noncurrent loans to loans | 1.5608% | 3,568 |
| Net loans and leases to total assets | 76.8215% | 862 |
| Net loans and leases to deposits | 86.9803% | 1,480 |
| Net loans and leases to core deposits | 92.2371% | 1,759 |
| Total domestic deposits to total assets | 88.3205% | 1,946 |
| Equity capital to assets | 11.3931% | 2,696 |
| Core capital (leverage) ratio | 11.1416% | 2,168 |
| Tier 1 risk-based capital ratio | 14.2109% | 4,298 |
| Total risk-based capital ratio | 15.3268% | 4,351 |
| Memoranda: | ||
| Average total assets | $71,654,000 | 5,676 |
| Average earning assets | $63,526,670 | 5,718 |
| Average equity | $7,042,330 | 5,840 |
| Average total loans | $50,746,000 | 5,165 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6346% | 3,342 |
| Cost of funding earning assets | 1.0341% | 1,779 |
| Net interest margin | 3.6005% | 4,270 |
| Noninterest income to average assets | 0.7221% | 2,548 |
| Noninterest expense to average assets | 3.0814% | 2,981 |
| Loan and lease loss provision to assets | 0.6449% | 847 |
| Net operating income to assets | 0.1433% | 6,135 |
| Return on assets (ROA) | 0.1433% | 6,263 |
| Pretax return on assets | 0.1433% | 6,314 |
| Return on Equity (ROE) | 1.5792% | 6,197 |
| Retained earnings to average equity (ytd only) | 1.5792% | 5,445 |
| Net charge-offs to loans | -0.0082% | 5,895 |
| Credit loss provision to net charge-offs | -11,700.0000% | 6,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6296% | 2,249 |
| Assets per employee ($millions) | 4.2498% | 3,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2638% | 1,753 |
| Loan loss allowance to noncurrent loans | 117.2122% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 5.3664% | 939 |
| Noncurrent loans to loans | 1.9314% | 3,245 |
| Net loans and leases to total assets | 66.3317% | 2,406 |
| Net loans and leases to deposits | 75.3775% | 2,911 |
| Net loans and leases to core deposits | 79.4226% | 3,122 |
| Total domestic deposits to total assets | 87.9993% | 2,324 |
| Equity capital to assets | 9.1355% | 5,316 |
| Core capital (leverage) ratio | 9.1898% | 4,536 |
| Tier 1 risk-based capital ratio | 12.8460% | 5,332 |
| Total risk-based capital ratio | 14.1087% | 5,298 |
| Memoranda: | ||
| Average total assets | $72,565,000 | 5,693 |
| Average earning assets | $63,435,500 | 5,768 |
| Average equity | $6,585,500 | 5,998 |
| Average total loans | $48,697,000 | 5,280 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0297% | 2,759 |
| Cost of funding earning assets | 1.2990% | 1,490 |
| Net interest margin | 3.7307% | 4,152 |
| Noninterest income to average assets | -0.1206% | 7,114 |
| Noninterest expense to average assets | 2.9638% | 3,728 |
| Loan and lease loss provision to assets | 1.3914% | 563 |
| Net operating income to assets | -1.0942% | 6,783 |
| Return on assets (ROA) | -1.0942% | 6,808 |
| Pretax return on assets | -1.0942% | 6,771 |
| Return on Equity (ROE) | -10.8888% | 6,760 |
| Retained earnings to average equity (ytd only) | -10.8888% | 6,725 |
| Net charge-offs to loans | 2.7220% | 396 |
| Credit loss provision to net charge-offs | 69.1155% | 4,886 |
| Earnings coverage of net charge-offs (x) | 0.1476% | 5,726 |
| Efficiency ratio | 90.8851% | 1,122 |
| Assets per employee ($millions) | 4.0491% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0512% | 2,125 |
| Loan loss allowance to noncurrent loans | 101.8480% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 6.7175% | 697 |
| Noncurrent loans to loans | 2.0140% | 3,187 |
| Net loans and leases to total assets | 64.9937% | 2,986 |
| Net loans and leases to deposits | 73.2692% | 3,619 |
| Net loans and leases to core deposits | 76.5118% | 3,907 |
| Total domestic deposits to total assets | 88.7053% | 1,718 |
| Equity capital to assets | 9.0157% | 5,536 |
| Core capital (leverage) ratio | 9.0768% | 4,655 |
| Tier 1 risk-based capital ratio | 12.7194% | 5,294 |
| Total risk-based capital ratio | 13.9669% | 5,271 |
| Memoranda: | ||
| Average total assets | $69,641,200 | 5,752 |
| Average earning assets | $63,125,000 | 5,763 |
| Average equity | $6,998,000 | 5,866 |
| Average total loans | $51,506,000 | 5,214 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1160% | 2,530 |
| Cost of funding earning assets | 1.3458% | 1,474 |
| Net interest margin | 3.7703% | 4,015 |
| Noninterest income to average assets | -0.1647% | 7,249 |
| Noninterest expense to average assets | 3.0373% | 3,414 |
| Loan and lease loss provision to assets | 1.8770% | 310 |
| Net operating income to assets | -1.6330% | 7,071 |
| Return on assets (ROA) | -1.6330% | 7,079 |
| Pretax return on assets | -1.6330% | 7,047 |
| Return on Equity (ROE) | -15.8200% | 7,031 |
| Retained earnings to average equity (ytd only) | -15.8200% | 7,006 |
| Net charge-offs to loans | 3.5059% | 221 |
| Credit loss provision to net charge-offs | 70.4727% | 4,470 |
| Earnings coverage of net charge-offs (x) | 0.0916% | 5,533 |
| Efficiency ratio | 92.5620% | 992 |
| Assets per employee ($millions) | 3.9836% | 3,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0326% | 2,246 |
| Loan loss allowance to noncurrent loans | 81.5853% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 6.8992% | 721 |
| Noncurrent loans to loans | 2.4914% | 2,782 |
| Net loans and leases to total assets | 68.4941% | 2,374 |
| Net loans and leases to deposits | 77.3884% | 3,104 |
| Net loans and leases to core deposits | 80.5184% | 3,561 |
| Total domestic deposits to total assets | 88.5069% | 1,754 |
| Equity capital to assets | 9.0790% | 5,660 |
| Core capital (leverage) ratio | 9.0326% | 4,878 |
| Tier 1 risk-based capital ratio | 12.1591% | 5,771 |
| Total risk-based capital ratio | 13.4357% | 5,736 |
| Memoranda: | ||
| Average total assets | $68,830,500 | 5,819 |
| Average earning assets | $62,912,000 | 5,811 |
| Average equity | $7,104,750 | 5,876 |
| Average total loans | $52,292,000 | 5,223 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2404% | 2,095 |
| Cost of funding earning assets | 1.3722% | 1,542 |
| Net interest margin | 3.8682% | 3,446 |
| Noninterest income to average assets | -0.0766% | 7,277 |
| Noninterest expense to average assets | 3.0174% | 3,569 |
| Loan and lease loss provision to assets | 1.0284% | 838 |
| Net operating income to assets | -0.5422% | 6,725 |
| Return on assets (ROA) | -0.5422% | 6,744 |
| Pretax return on assets | -0.5422% | 6,682 |
| Return on Equity (ROE) | -5.0390% | 6,719 |
| Retained earnings to average equity (ytd only) | -5.0390% | 6,571 |
| Net charge-offs to loans | 2.6975% | 411 |
| Credit loss provision to net charge-offs | 48.8112% | 4,612 |
| Earnings coverage of net charge-offs (x) | 0.2308% | 5,133 |
| Efficiency ratio | 86.1228% | 1,592 |
| Assets per employee ($millions) | 3.8365% | 4,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0092% | 2,347 |
| Loan loss allowance to noncurrent loans | 26.1816% | 6,465 |
| Noncurrent assets plus other real estate owned to assets | 8.4843% | 516 |
| Noncurrent loans to loans | 7.6740% | 615 |
| Net loans and leases to total assets | 74.7209% | 1,279 |
| Net loans and leases to deposits | 86.4524% | 1,725 |
| Net loans and leases to core deposits | 90.1657% | 2,357 |
| Total domestic deposits to total assets | 86.4301% | 3,084 |
| Equity capital to assets | 10.3885% | 3,648 |
| Core capital (leverage) ratio | 10.2790% | 2,950 |
| Tier 1 risk-based capital ratio | 13.2304% | 4,745 |
| Total risk-based capital ratio | 14.4908% | 4,712 |
| Memoranda: | ||
| Average total assets | $67,872,670 | 5,892 |
| Average earning assets | $62,819,670 | 5,863 |
| Average equity | $7,303,000 | 5,837 |
| Average total loans | $53,012,000 | 5,249 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4925% | 1,324 |
| Cost of funding earning assets | 1.3667% | 1,792 |
| Net interest margin | 4.1258% | 2,169 |
| Noninterest income to average assets | -0.1784% | 7,425 |
| Noninterest expense to average assets | 2.8240% | 4,360 |
| Loan and lease loss provision to assets | 0.3805% | 2,280 |
| Net operating income to assets | 0.4578% | 4,673 |
| Return on assets (ROA) | 0.4578% | 4,761 |
| Pretax return on assets | 0.4578% | 5,158 |
| Return on Equity (ROE) | 4.1805% | 4,808 |
| Retained earnings to average equity (ytd only) | 4.1805% | 3,655 |
| Net charge-offs to loans | 0.1504% | 3,586 |
| Credit loss provision to net charge-offs | 320.0000% | 1,018 |
| Earnings coverage of net charge-offs (x) | 7.0500% | 2,005 |
| Efficiency ratio | 77.1104% | 2,970 |
| Assets per employee ($millions) | 4.2784% | 3,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8781% | 1,032 |
| Loan loss allowance to noncurrent loans | 50.4638% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 7.0398% | 757 |
| Noncurrent loans to loans | 5.7033% | 1,136 |
| Net loans and leases to total assets | 72.4165% | 1,627 |
| Net loans and leases to deposits | 84.1773% | 2,002 |
| Net loans and leases to core deposits | 88.2991% | 2,562 |
| Total domestic deposits to total assets | 86.0286% | 3,515 |
| Equity capital to assets | 10.8087% | 2,872 |
| Core capital (leverage) ratio | 10.6042% | 2,503 |
| Tier 1 risk-based capital ratio | 14.3099% | 3,864 |
| Total risk-based capital ratio | 15.5789% | 3,810 |
| Memoranda: | ||
| Average total assets | $67,280,500 | 5,957 |
| Average earning assets | $62,630,500 | 5,909 |
| Average equity | $7,367,500 | 5,817 |
| Average total loans | $53,189,000 | 5,286 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1629% | 3,785 |
| Cost of funding earning assets | 1.5541% | 2,336 |
| Net interest margin | 3.6088% | 4,779 |
| Noninterest income to average assets | 0.2811% | 5,762 |
| Noninterest expense to average assets | 3.0258% | 3,749 |
| Loan and lease loss provision to assets | 1.9138% | 703 |
| Net operating income to assets | -1.3701% | 6,861 |
| Return on assets (ROA) | -1.3701% | 6,880 |
| Pretax return on assets | -1.3701% | 6,808 |
| Return on Equity (ROE) | -12.4591% | 6,826 |
| Retained earnings to average equity (ytd only) | -12.4591% | 6,777 |
| Net charge-offs to loans | 1.1173% | 1,991 |
| Credit loss provision to net charge-offs | 227.7879% | 1,290 |
| Earnings coverage of net charge-offs (x) | 0.6472% | 5,463 |
| Efficiency ratio | 84.7676% | 1,828 |
| Assets per employee ($millions) | 4.4071% | 3,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5751% | 1,314 |
| Loan loss allowance to noncurrent loans | 34.7476% | 6,001 |
| Noncurrent assets plus other real estate owned to assets | 6.3821% | 894 |
| Noncurrent loans to loans | 7.4110% | 736 |
| Net loans and leases to total assets | 81.5526% | 486 |
| Net loans and leases to deposits | 95.2526% | 928 |
| Net loans and leases to core deposits | 98.7273% | 1,728 |
| Total domestic deposits to total assets | 85.6173% | 3,546 |
| Equity capital to assets | 11.0972% | 2,600 |
| Core capital (leverage) ratio | 10.9017% | 2,226 |
| Tier 1 risk-based capital ratio | 13.3809% | 4,305 |
| Total risk-based capital ratio | 14.6473% | 4,250 |
| Memoranda: | ||
| Average total assets | $65,106,600 | 6,029 |
| Average earning assets | $59,326,600 | 6,016 |
| Average equity | $7,159,400 | 5,977 |
| Average total loans | $48,958,200 | 5,526 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3985% | 2,894 |
| Cost of funding earning assets | 1.6059% | 2,358 |
| Net interest margin | 3.7926% | 3,994 |
| Noninterest income to average assets | 0.3084% | 5,685 |
| Noninterest expense to average assets | 2.8061% | 4,460 |
| Loan and lease loss provision to assets | 0.7606% | 2,011 |
| Net operating income to assets | 0.1645% | 5,606 |
| Return on assets (ROA) | 0.1645% | 5,760 |
| Pretax return on assets | 0.1645% | 5,805 |
| Return on Equity (ROE) | 1.4990% | 5,768 |
| Retained earnings to average equity (ytd only) | 1.4990% | 5,200 |
| Net charge-offs to loans | 1.1823% | 1,723 |
| Credit loss provision to net charge-offs | 88.0952% | 4,850 |
| Earnings coverage of net charge-offs (x) | 1.0714% | 4,984 |
| Efficiency ratio | 75.2066% | 3,104 |
| Assets per employee ($millions) | 9.1976% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 4,782 |
| Loan loss allowance to noncurrent loans | 29.8587% | 6,338 |
| Noncurrent assets plus other real estate owned to assets | 3.8737% | 1,825 |
| Noncurrent loans to loans | 4.4682% | 1,624 |
| Net loans and leases to total assets | 77.6494% | 1,101 |
| Net loans and leases to deposits | 92.8341% | 1,351 |
| Net loans and leases to core deposits | 94.3460% | 2,479 |
| Total domestic deposits to total assets | 83.6432% | 4,296 |
| Equity capital to assets | 12.9677% | 1,592 |
| Core capital (leverage) ratio | 12.9024% | 1,264 |
| Tier 1 risk-based capital ratio | 16.3429% | 2,618 |
| Total risk-based capital ratio | 17.5933% | 2,573 |
| Memoranda: | ||
| Average total assets | $64,856,500 | 6,105 |
| Average earning assets | $58,533,750 | 6,106 |
| Average equity | $7,115,250 | 6,069 |
| Average total loans | $47,363,500 | 5,666 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3862% | 3,031 |
| Cost of funding earning assets | 1.6568% | 2,347 |
| Net interest margin | 3.7295% | 4,235 |
| Noninterest income to average assets | 0.3784% | 5,098 |
| Noninterest expense to average assets | 2.8178% | 4,403 |
| Loan and lease loss provision to assets | 0.8367% | 1,737 |
| Net operating income to assets | 0.0615% | 5,967 |
| Return on assets (ROA) | 0.0615% | 6,064 |
| Pretax return on assets | 0.0615% | 6,053 |
| Return on Equity (ROE) | 0.5967% | 6,061 |
| Retained earnings to average equity (ytd only) | 0.5967% | 5,521 |
| Net charge-offs to loans | 0.9208% | 1,992 |
| Credit loss provision to net charge-offs | 127.6995% | 3,150 |
| Earnings coverage of net charge-offs (x) | 1.3709% | 4,459 |
| Efficiency ratio | 75.8278% | 3,100 |
| Assets per employee ($millions) | 4.5319% | 2,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6940% | 3,108 |
| Loan loss allowance to noncurrent loans | 63.7175% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 1.9418% | 3,560 |
| Noncurrent loans to loans | 2.6586% | 2,982 |
| Net loans and leases to total assets | 71.8028% | 2,457 |
| Net loans and leases to deposits | 84.3146% | 2,817 |
| Net loans and leases to core deposits | 85.6767% | 3,879 |
| Total domestic deposits to total assets | 85.1606% | 3,540 |
| Equity capital to assets | 10.6153% | 3,262 |
| Core capital (leverage) ratio | 10.3273% | 2,795 |
| Tier 1 risk-based capital ratio | 14.4711% | 3,463 |
| Total risk-based capital ratio | 15.7137% | 3,428 |
| Memoranda: | ||
| Average total assets | $65,014,330 | 6,139 |
| Average earning assets | $58,185,330 | 6,164 |
| Average equity | $6,704,000 | 6,236 |
| Average total loans | $46,261,670 | 5,750 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2444% | 3,809 |
| Cost of funding earning assets | 1.7458% | 2,149 |
| Net interest margin | 3.4985% | 5,165 |
| Noninterest income to average assets | 0.6809% | 2,730 |
| Noninterest expense to average assets | 2.8207% | 4,405 |
| Loan and lease loss provision to assets | 0.5958% | 2,131 |
| Net operating income to assets | 0.3465% | 5,095 |
| Return on assets (ROA) | 0.3465% | 5,218 |
| Pretax return on assets | 0.3465% | 5,468 |
| Return on Equity (ROE) | 3.4088% | 5,162 |
| Retained earnings to average equity (ytd only) | 3.4088% | 4,114 |
| Net charge-offs to loans | -0.0173% | 7,033 |
| Credit loss provision to net charge-offs | -4,900.0000% | 6,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9596% | 3,413 |
| Assets per employee ($millions) | 4.6440% | 2,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8188% | 2,671 |
| Loan loss allowance to noncurrent loans | 60.6016% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 2.6194% | 2,782 |
| Noncurrent loans to loans | 3.0012% | 2,673 |
| Net loans and leases to total assets | 68.5816% | 3,261 |
| Net loans and leases to deposits | 80.1831% | 3,628 |
| Net loans and leases to core deposits | 82.0450% | 4,482 |
| Total domestic deposits to total assets | 85.5313% | 3,398 |
| Equity capital to assets | 10.3451% | 3,416 |
| Core capital (leverage) ratio | 9.8777% | 3,307 |
| Tier 1 risk-based capital ratio | 14.5803% | 3,334 |
| Total risk-based capital ratio | 15.8383% | 3,290 |
| Memoranda: | ||
| Average total assets | $65,798,500 | 6,180 |
| Average earning assets | $57,967,000 | 6,246 |
| Average equity | $6,688,500 | 6,292 |
| Average total loans | $46,222,000 | 5,827 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9274% | 2,140 |
| Cost of funding earning assets | 2.5899% | 806 |
| Net interest margin | 3.3375% | 5,596 |
| Noninterest income to average assets | 0.1913% | 6,727 |
| Noninterest expense to average assets | 3.4826% | 2,414 |
| Loan and lease loss provision to assets | 0.0926% | 6,675 |
| Net operating income to assets | -0.4629% | 6,141 |
| Return on assets (ROA) | -0.4629% | 6,139 |
| Pretax return on assets | -0.4629% | 5,979 |
| Return on Equity (ROE) | -4.4733% | 6,158 |
| Retained earnings to average equity (ytd only) | -4.4733% | 5,941 |
| Net charge-offs to loans | 0.0383% | 6,736 |
| Credit loss provision to net charge-offs | 315.7895% | 1,032 |
| Earnings coverage of net charge-offs (x) | -12.6316% | 7,170 |
| Efficiency ratio | 111.8989% | 769 |
| Assets per employee ($millions) | 5.1216% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5437% | 3,503 |
| Loan loss allowance to noncurrent loans | 83.0664% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 2.0982% | 3,280 |
| Noncurrent loans to loans | 1.8584% | 3,850 |
| Net loans and leases to total assets | 69.5439% | 3,352 |
| Net loans and leases to deposits | 80.8941% | 3,826 |
| Net loans and leases to core deposits | 109.8659% | 2,908 |
| Total domestic deposits to total assets | 85.9690% | 3,035 |
| Equity capital to assets | 9.9893% | 3,781 |
| Core capital (leverage) ratio | 10.3484% | 2,741 |
| Tier 1 risk-based capital ratio | 13.5458% | 3,795 |
| Total risk-based capital ratio | 14.7997% | 3,737 |
| Memoranda: | ||
| Average total assets | $64,808,800 | 6,172 |
| Average earning assets | $56,719,600 | 6,260 |
| Average equity | $6,706,400 | 6,366 |
| Average total loans | $49,575,000 | 5,693 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9208% | 2,350 |
| Cost of funding earning assets | 2.7629% | 659 |
| Net interest margin | 3.1579% | 6,149 |
| Noninterest income to average assets | 0.1926% | 6,839 |
| Noninterest expense to average assets | 3.7638% | 1,678 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.7726% | 6,668 |
| Return on assets (ROA) | -0.7726% | 6,674 |
| Pretax return on assets | -0.7726% | 6,526 |
| Return on Equity (ROE) | -7.4003% | 6,692 |
| Retained earnings to average equity (ytd only) | -7.4003% | 6,545 |
| Net charge-offs to loans | -0.2416% | 7,984 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.8310% | 519 |
| Assets per employee ($millions) | 4.7765% | 2,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6318% | 2,872 |
| Loan loss allowance to noncurrent loans | 102.3778% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 2.2015% | 3,095 |
| Noncurrent loans to loans | 1.5939% | 4,243 |
| Net loans and leases to total assets | 75.2363% | 2,180 |
| Net loans and leases to deposits | 88.4476% | 2,879 |
| Net loans and leases to core deposits | 124.7377% | 1,838 |
| Total domestic deposits to total assets | 85.0632% | 3,202 |
| Equity capital to assets | 10.6095% | 3,390 |
| Core capital (leverage) ratio | 9.8866% | 3,417 |
| Tier 1 risk-based capital ratio | 13.3686% | 3,951 |
| Total risk-based capital ratio | 14.6078% | 3,897 |
| Memoranda: | ||
| Average total assets | $64,365,750 | 6,235 |
| Average earning assets | $57,040,000 | 6,293 |
| Average equity | $6,720,250 | 6,418 |
| Average total loans | $50,211,500 | 5,706 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9620% | 2,336 |
| Cost of funding earning assets | 2.8747% | 650 |
| Net interest margin | 3.0873% | 6,290 |
| Noninterest income to average assets | 0.1935% | 6,907 |
| Noninterest expense to average assets | 4.1522% | 1,125 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -1.2377% | 7,134 |
| Return on assets (ROA) | -1.2377% | 7,142 |
| Pretax return on assets | -1.2377% | 6,962 |
| Return on Equity (ROE) | -11.9154% | 7,170 |
| Retained earnings to average equity (ytd only) | -11.9154% | 7,053 |
| Net charge-offs to loans | -0.3560% | 8,084 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.4658% | 412 |
| Assets per employee ($millions) | 4.4300% | 2,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5789% | 2,831 |
| Loan loss allowance to noncurrent loans | 102.3778% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 2.1038% | 3,057 |
| Noncurrent loans to loans | 1.5422% | 4,185 |
| Net loans and leases to total assets | 72.7013% | 3,037 |
| Net loans and leases to deposits | 85.0573% | 3,718 |
| Net loans and leases to core deposits | 119.8938% | 2,383 |
| Total domestic deposits to total assets | 85.4733% | 3,027 |
| Equity capital to assets | 9.7532% | 4,280 |
| Core capital (leverage) ratio | 9.5213% | 3,856 |
| Tier 1 risk-based capital ratio | 12.4202% | 4,582 |
| Total risk-based capital ratio | 13.6735% | 4,505 |
| Memoranda: | ||
| Average total assets | $65,122,670 | 6,255 |
| Average earning assets | $57,396,670 | 6,339 |
| Average equity | $6,764,330 | 6,448 |
| Average total loans | $51,117,670 | 5,714 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7629% | 3,467 |
| Cost of funding earning assets | 2.8576% | 856 |
| Net interest margin | 2.9053% | 6,730 |
| Noninterest income to average assets | 0.1738% | 7,064 |
| Noninterest expense to average assets | 2.5629% | 5,596 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2606% | 5,436 |
| Return on assets (ROA) | 0.2668% | 5,578 |
| Pretax return on assets | 0.2668% | 5,767 |
| Return on Equity (ROE) | 2.4906% | 5,578 |
| Retained earnings to average equity (ytd only) | 2.4906% | 4,486 |
| Net charge-offs to loans | -0.6368% | 8,126 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7692% | 1,667 |
| Assets per employee ($millions) | 4.3630% | 2,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4682% | 3,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9794% | 4,743 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 78.7532% | 1,636 |
| Net loans and leases to deposits | 93.0711% | 2,423 |
| Net loans and leases to core deposits | 135.8353% | 1,316 |
| Total domestic deposits to total assets | 84.6161% | 3,410 |
| Equity capital to assets | 10.5463% | 3,419 |
| Core capital (leverage) ratio | 10.5554% | 2,864 |
| Tier 1 risk-based capital ratio | 12.6090% | 4,465 |
| Total risk-based capital ratio | 13.8631% | 4,384 |
| Memoranda: | ||
| Average total assets | $64,459,000 | 6,314 |
| Average earning assets | $58,790,000 | 6,311 |
| Average equity | $6,906,000 | 6,444 |
| Average total loans | $52,134,000 | 5,710 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2455% | 4,265 |
| Cost of funding earning assets | 3.1227% | 1,442 |
| Net interest margin | 3.1227% | 6,584 |
| Noninterest income to average assets | 0.1396% | 7,405 |
| Noninterest expense to average assets | 2.9401% | 4,304 |
| Loan and lease loss provision to assets | 3.9379% | 172 |
| Net operating income to assets | -3.8155% | 7,958 |
| Return on assets (ROA) | -3.8121% | 7,936 |
| Pretax return on assets | -3.8121% | 7,858 |
| Return on Equity (ROE) | -26.6635% | 7,896 |
| Retained earnings to average equity (ytd only) | -26.6635% | 7,844 |
| Net charge-offs to loans | 4.4633% | 130 |
| Credit loss provision to net charge-offs | 109.1734% | 4,928 |
| Earnings coverage of net charge-offs (x) | 0.0339% | 6,226 |
| Efficiency ratio | 96.0045% | 1,155 |
| Assets per employee ($millions) | 4.2315% | 3,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3183% | 3,660 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0052% | 4,309 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 80.7824% | 1,493 |
| Net loans and leases to deposits | 96.0584% | 2,443 |
| Net loans and leases to core deposits | 144.3147% | 1,081 |
| Total domestic deposits to total assets | 84.0972% | 3,278 |
| Equity capital to assets | 10.8865% | 3,129 |
| Core capital (leverage) ratio | 10.5220% | 2,960 |
| Tier 1 risk-based capital ratio | 12.6602% | 4,313 |
| Total risk-based capital ratio | 13.9105% | 4,233 |
| Memoranda: | ||
| Average total assets | $58,026,200 | 6,453 |
| Average earning assets | $54,311,400 | 6,397 |
| Average equity | $8,296,000 | 5,979 |
| Average total loans | $46,894,000 | 5,828 |