| 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 | 3.9476% | 3,436 |
| Cost of funding earning assets | 0.5076% | 2,042 |
| Net interest margin | 3.4400% | 3,704 |
| Noninterest income to average assets | 0.0123% | 5,904 |
| Noninterest expense to average assets | 3.4498% | 1,248 |
| Loan and lease loss provision to assets | 0.3441% | 466 |
| Net operating income to assets | -0.4555% | 5,848 |
| Return on assets (ROA) | -0.2286% | 5,813 |
| Pretax return on assets | -0.3220% | 5,822 |
| Return on Equity (ROE) | -2.0735% | 5,811 |
| Retained earnings to average equity (ytd only) | -2.0735% | 5,598 |
| Net charge-offs to loans | 0.3965% | 549 |
| Credit loss provision to net charge-offs | 122.8070% | 2,055 |
| Earnings coverage of net charge-offs (x) | -1.0614% | 3,854 |
| Efficiency ratio | 109.4347% | 126 |
| Assets per employee ($millions) | 4.7830% | 2,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0135% | 4,332 |
| Loan loss allowance to noncurrent loans | 743.3962% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 3,814 |
| Noncurrent loans to loans | 0.1363% | 4,795 |
| Net loans and leases to total assets | 76.6203% | 1,420 |
| Net loans and leases to deposits | 89.6467% | 1,804 |
| Net loans and leases to core deposits | 93.3289% | 2,250 |
| Total domestic deposits to total assets | 85.4692% | 2,617 |
| Equity capital to assets | 11.7988% | 2,258 |
| Core capital (leverage) ratio | 8.8574% | 4,996 |
| Tier 1 risk-based capital ratio | 11.3197% | 5,193 |
| Total risk-based capital ratio | 12.2949% | 5,258 |
| Memoranda: |
| Average total assets | $108,486,750 | 4,222 |
| Average earning assets | $99,028,000 | 4,256 |
| Average equity | $11,960,000 | 4,296 |
| Average total loans | $76,676,500 | 3,911 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8527% | 3,766 |
| Cost of funding earning assets | 0.4969% | 2,122 |
| Net interest margin | 3.3558% | 4,036 |
| Noninterest income to average assets | 0.0072% | 5,987 |
| Noninterest expense to average assets | 3.2221% | 1,757 |
| Loan and lease loss provision to assets | 0.0989% | 2,184 |
| Net operating income to assets | -0.1377% | 5,830 |
| Return on assets (ROA) | -0.0756% | 5,823 |
| Pretax return on assets | -0.1187% | 5,838 |
| Return on Equity (ROE) | -0.7002% | 5,825 |
| Retained earnings to average equity (ytd only) | -0.7002% | 5,395 |
| Net charge-offs to loans | -0.0131% | 4,784 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7659% | 193 |
| Assets per employee ($millions) | 4.6106% | 2,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9995% | 4,530 |
| Loan loss allowance to noncurrent loans | 261.8421% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.6588% | 3,030 |
| Noncurrent loans to loans | 0.3817% | 3,993 |
| Net loans and leases to total assets | 71.2491% | 2,292 |
| Net loans and leases to deposits | 87.7004% | 2,035 |
| Net loans and leases to core deposits | 96.6473% | 1,922 |
| Total domestic deposits to total assets | 81.2415% | 4,206 |
| Equity capital to assets | 10.9079% | 3,158 |
| Core capital (leverage) ratio | 8.5727% | 5,293 |
| Tier 1 risk-based capital ratio | 11.1192% | 5,352 |
| Total risk-based capital ratio | 12.0657% | 5,440 |
| Memoranda: |
| Average total assets | $111,168,330 | 4,205 |
| Average earning assets | $102,629,330 | 4,209 |
| Average equity | $11,996,330 | 4,316 |
| Average total loans | $76,319,670 | 3,943 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8983% | 3,594 |
| Cost of funding earning assets | 0.4834% | 2,242 |
| Net interest margin | 3.4149% | 3,820 |
| Noninterest income to average assets | 0.0287% | 6,021 |
| Noninterest expense to average assets | 2.9939% | 2,411 |
| Loan and lease loss provision to assets | 0.0718% | 2,519 |
| Net operating income to assets | 0.0778% | 5,710 |
| Return on assets (ROA) | 0.1077% | 5,716 |
| Pretax return on assets | 0.1795% | 5,661 |
| Return on Equity (ROE) | 1.0034% | 5,692 |
| Retained earnings to average equity (ytd only) | 1.0034% | 4,838 |
| Net charge-offs to loans | -0.0268% | 5,010 |
| Credit loss provision to net charge-offs | -400.0000% | 4,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6027% | 471 |
| Assets per employee ($millions) | 4.4058% | 3,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0008% | 4,607 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4430% | 3,815 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 68.3447% | 2,606 |
| Net loans and leases to deposits | 81.4778% | 2,606 |
| Net loans and leases to core deposits | 90.1912% | 2,355 |
| Total domestic deposits to total assets | 83.8814% | 3,566 |
| Equity capital to assets | 10.9754% | 2,971 |
| Core capital (leverage) ratio | 8.4502% | 5,439 |
| Tier 1 risk-based capital ratio | 11.5552% | 5,200 |
| Total risk-based capital ratio | 12.4868% | 5,282 |
| Memoranda: |
| Average total assets | $111,425,500 | 4,235 |
| Average earning assets | $103,429,500 | 4,226 |
| Average equity | $11,959,500 | 4,340 |
| Average total loans | $74,661,500 | 4,007 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9776% | 3,391 |
| Cost of funding earning assets | 0.4656% | 2,478 |
| Net interest margin | 3.5120% | 3,481 |
| Noninterest income to average assets | -0.1935% | 6,158 |
| Noninterest expense to average assets | 3.1266% | 2,159 |
| Loan and lease loss provision to assets | -0.1826% | 5,971 |
| Net operating income to assets | 2.6410% | 128 |
| Return on assets (ROA) | 2.6127% | 133 |
| Pretax return on assets | 0.0703% | 5,824 |
| Return on Equity (ROE) | 26.4383% | 84 |
| Retained earnings to average equity (ytd only) | 26.4383% | 37 |
| Net charge-offs to loans | 0.0867% | 2,586 |
| Credit loss provision to net charge-offs | -303.0303% | 5,349 |
| Earnings coverage of net charge-offs (x) | -1.3939% | 4,346 |
| Efficiency ratio | 102.7603% | 237 |
| Assets per employee ($millions) | 4.5082% | 3,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0043% | 4,579 |
| Loan loss allowance to noncurrent loans | 286.3813% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.7293% | 2,870 |
| Noncurrent loans to loans | 0.3507% | 4,210 |
| Net loans and leases to total assets | 64.3689% | 3,217 |
| Net loans and leases to deposits | 75.4174% | 3,328 |
| Net loans and leases to core deposits | 81.4933% | 3,203 |
| Total domestic deposits to total assets | 85.3503% | 2,924 |
| Equity capital to assets | 10.4964% | 3,370 |
| Core capital (leverage) ratio | 8.5493% | 5,378 |
| Tier 1 risk-based capital ratio | 11.7590% | 5,098 |
| Total risk-based capital ratio | 12.6814% | 5,195 |
| Memoranda: |
| Average total assets | $109,542,600 | 4,269 |
| Average earning assets | $100,940,600 | 4,265 |
| Average equity | $10,825,200 | 4,516 |
| Average total loans | $76,085,400 | 3,936 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0616% | 3,094 |
| Cost of funding earning assets | 0.4680% | 2,513 |
| Net interest margin | 3.5936% | 3,191 |
| Noninterest income to average assets | -0.2526% | 6,254 |
| Noninterest expense to average assets | 3.0932% | 2,240 |
| Loan and lease loss provision to assets | -0.2268% | 6,119 |
| Net operating income to assets | 3.6424% | 59 |
| Return on assets (ROA) | 3.6584% | 59 |
| Pretax return on assets | 0.2011% | 5,788 |
| Return on Equity (ROE) | 37.6260% | 28 |
| Retained earnings to average equity (ytd only) | 37.6260% | 13 |
| Net charge-offs to loans | -0.0052% | 4,837 |
| Credit loss provision to net charge-offs | 6,166.6667% | 64 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3660% | 273 |
| Assets per employee ($millions) | 4.2889% | 3,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0860% | 4,308 |
| Loan loss allowance to noncurrent loans | 296.0289% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.8367% | 2,782 |
| Noncurrent loans to loans | 0.3669% | 4,302 |
| Net loans and leases to total assets | 66.9758% | 2,853 |
| Net loans and leases to deposits | 80.0871% | 2,876 |
| Net loans and leases to core deposits | 87.2979% | 2,726 |
| Total domestic deposits to total assets | 83.6287% | 3,560 |
| Equity capital to assets | 10.7988% | 3,241 |
| Core capital (leverage) ratio | 8.7708% | 5,273 |
| Tier 1 risk-based capital ratio | 11.8483% | 5,168 |
| Total risk-based capital ratio | 12.8590% | 5,248 |
| Memoranda: |
| Average total assets | $108,752,000 | 4,328 |
| Average earning assets | $99,990,750 | 4,333 |
| Average equity | $10,574,000 | 4,606 |
| Average total loans | $76,786,000 | 3,955 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0481% | 3,083 |
| Cost of funding earning assets | 0.4592% | 2,617 |
| Net interest margin | 3.5889% | 3,133 |
| Noninterest income to average assets | 0.0223% | 6,226 |
| Noninterest expense to average assets | 3.0863% | 2,284 |
| Loan and lease loss provision to assets | 0.0278% | 3,572 |
| Net operating income to assets | 5.4715% | 43 |
| Return on assets (ROA) | 5.4715% | 43 |
| Pretax return on assets | 0.2133% | 5,793 |
| Return on Equity (ROE) | 58.5046% | 18 |
| Retained earnings to average equity (ytd only) | 58.5046% | 7 |
| Net charge-offs to loans | 0.0207% | 3,263 |
| Credit loss provision to net charge-offs | 187.5000% | 1,301 |
| Earnings coverage of net charge-offs (x) | 16.2500% | 1,922 |
| Efficiency ratio | 92.7536% | 595 |
| Assets per employee ($millions) | 4.3018% | 3,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3348% | 3,050 |
| Loan loss allowance to noncurrent loans | 364.2599% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 1.2115% | 2,090 |
| Noncurrent loans to loans | 0.3664% | 4,395 |
| Net loans and leases to total assets | 66.6834% | 2,839 |
| Net loans and leases to deposits | 78.2771% | 2,995 |
| Net loans and leases to core deposits | 82.7929% | 3,100 |
| Total domestic deposits to total assets | 85.1888% | 3,043 |
| Equity capital to assets | 10.5938% | 3,332 |
| Core capital (leverage) ratio | 8.9389% | 5,043 |
| Tier 1 risk-based capital ratio | 11.5663% | 5,419 |
| Total risk-based capital ratio | 12.7894% | 5,361 |
| Memoranda: |
| Average total assets | $107,832,000 | 4,386 |
| Average earning assets | $99,306,670 | 4,383 |
| Average equity | $10,084,670 | 4,731 |
| Average total loans | $77,212,670 | 3,973 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1545% | 2,621 |
| Cost of funding earning assets | 0.4538% | 2,735 |
| Net interest margin | 3.7007% | 2,616 |
| Noninterest income to average assets | 0.0265% | 6,279 |
| Noninterest expense to average assets | 3.1146% | 2,223 |
| Loan and lease loss provision to assets | 0.0567% | 2,797 |
| Net operating income to assets | 0.5027% | 4,671 |
| Return on assets (ROA) | 0.5027% | 4,790 |
| Pretax return on assets | 0.2457% | 5,760 |
| Return on Equity (ROE) | 5.7810% | 4,146 |
| Retained earnings to average equity (ytd only) | 5.7810% | 2,616 |
| Net charge-offs to loans | 0.0410% | 2,410 |
| Credit loss provision to net charge-offs | 187.5000% | 1,091 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,966 |
| Efficiency ratio | 91.1504% | 768 |
| Assets per employee ($millions) | 4.2442% | 3,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3081% | 3,355 |
| Loan loss allowance to noncurrent loans | 362.9496% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 1.4071% | 1,884 |
| Noncurrent loans to loans | 0.3604% | 4,510 |
| Net loans and leases to total assets | 71.7452% | 1,849 |
| Net loans and leases to deposits | 82.6495% | 2,253 |
| Net loans and leases to core deposits | 86.3498% | 2,508 |
| Total domestic deposits to total assets | 86.8066% | 2,484 |
| Equity capital to assets | 8.7903% | 5,507 |
| Core capital (leverage) ratio | 8.7600% | 5,248 |
| Tier 1 risk-based capital ratio | 11.5335% | 5,538 |
| Total risk-based capital ratio | 12.7832% | 5,453 |
| Memoranda: |
| Average total assets | $105,824,000 | 4,461 |
| Average earning assets | $96,955,000 | 4,485 |
| Average equity | $9,202,500 | 4,937 |
| Average total loans | $78,022,500 | 3,960 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3394% | 2,464 |
| Cost of funding earning assets | 0.5129% | 2,546 |
| Net interest margin | 3.8264% | 2,523 |
| Noninterest income to average assets | -0.1362% | 6,464 |
| Noninterest expense to average assets | 3.0513% | 2,683 |
| Loan and lease loss provision to assets | 0.2302% | 1,053 |
| Net operating income to assets | 0.2801% | 5,569 |
| Return on assets (ROA) | 0.2763% | 5,652 |
| Pretax return on assets | 0.1420% | 5,951 |
| Return on Equity (ROE) | 3.3455% | 5,352 |
| Retained earnings to average equity (ytd only) | 3.3455% | 3,834 |
| Net charge-offs to loans | 0.3321% | 1,329 |
| Credit loss provision to net charge-offs | 91.6031% | 2,612 |
| Earnings coverage of net charge-offs (x) | 1.4962% | 4,405 |
| Efficiency ratio | 89.0288% | 913 |
| Assets per employee ($millions) | 4.3976% | 3,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2698% | 3,597 |
| Loan loss allowance to noncurrent loans | 194.5631% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 1.5842% | 1,707 |
| Noncurrent loans to loans | 0.6526% | 3,728 |
| Net loans and leases to total assets | 73.8171% | 1,615 |
| Net loans and leases to deposits | 84.9245% | 2,107 |
| Net loans and leases to core deposits | 86.8569% | 2,617 |
| Total domestic deposits to total assets | 86.9208% | 2,327 |
| Equity capital to assets | 8.6013% | 5,647 |
| Core capital (leverage) ratio | 8.5987% | 5,448 |
| Tier 1 risk-based capital ratio | 10.9680% | 5,919 |
| Total risk-based capital ratio | 12.1684% | 5,870 |
| Memoranda: |
| Average total assets | $104,250,400 | 4,497 |
| Average earning assets | $97,087,400 | 4,479 |
| Average equity | $8,608,600 | 5,063 |
| Average total loans | $78,880,200 | 3,906 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3176% | 2,551 |
| Cost of funding earning assets | 0.5229% | 2,542 |
| Net interest margin | 3.7947% | 2,638 |
| Noninterest income to average assets | -0.0731% | 6,519 |
| Noninterest expense to average assets | 3.1213% | 2,404 |
| Loan and lease loss provision to assets | 0.2245% | 1,012 |
| Net operating income to assets | 0.2258% | 5,796 |
| Return on assets (ROA) | 0.1809% | 5,926 |
| Pretax return on assets | 0.0924% | 6,069 |
| Return on Equity (ROE) | 2.2140% | 5,784 |
| Retained earnings to average equity (ytd only) | 2.2140% | 4,948 |
| Net charge-offs to loans | 0.4446% | 887 |
| Credit loss provision to net charge-offs | 66.5399% | 2,825 |
| Earnings coverage of net charge-offs (x) | 1.0722% | 4,247 |
| Efficiency ratio | 89.6133% | 873 |
| Assets per employee ($millions) | 4.4591% | 3,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1836% | 4,320 |
| Loan loss allowance to noncurrent loans | 333.0961% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 2.0576% | 1,381 |
| Noncurrent loans to loans | 0.3553% | 4,839 |
| Net loans and leases to total assets | 73.0176% | 1,681 |
| Net loans and leases to deposits | 83.1767% | 2,264 |
| Net loans and leases to core deposits | 84.8005% | 2,801 |
| Total domestic deposits to total assets | 87.7862% | 1,872 |
| Equity capital to assets | 8.2491% | 5,983 |
| Core capital (leverage) ratio | 8.5298% | 5,627 |
| Tier 1 risk-based capital ratio | 10.5197% | 6,207 |
| Total risk-based capital ratio | 11.6130% | 6,212 |
| Memoranda: |
| Average total assets | $103,927,500 | 4,550 |
| Average earning assets | $97,397,250 | 4,512 |
| Average equity | $8,491,250 | 5,133 |
| Average total loans | $78,872,750 | 3,932 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2876% | 2,624 |
| Cost of funding earning assets | 0.5227% | 2,609 |
| Net interest margin | 3.7649% | 2,694 |
| Noninterest income to average assets | -0.0855% | 6,599 |
| Noninterest expense to average assets | 3.1527% | 2,324 |
| Loan and lease loss provision to assets | 0.2430% | 918 |
| Net operating income to assets | 0.0991% | 6,047 |
| Return on assets (ROA) | 0.0991% | 6,080 |
| Pretax return on assets | 0.1030% | 6,096 |
| Return on Equity (ROE) | 1.2173% | 6,012 |
| Retained earnings to average equity (ytd only) | 1.2173% | 5,267 |
| Net charge-offs to loans | 0.2411% | 1,598 |
| Credit loss provision to net charge-offs | 131.5789% | 1,595 |
| Earnings coverage of net charge-offs (x) | 1.8737% | 3,694 |
| Efficiency ratio | 90.1111% | 912 |
| Assets per employee ($millions) | 4.3148% | 3,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3121% | 3,791 |
| Loan loss allowance to noncurrent loans | 80.9524% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 2.2925% | 1,307 |
| Noncurrent loans to loans | 1.6208% | 2,144 |
| Net loans and leases to total assets | 76.5564% | 1,100 |
| Net loans and leases to deposits | 88.3813% | 1,551 |
| Net loans and leases to core deposits | 90.4401% | 2,085 |
| Total domestic deposits to total assets | 86.6206% | 2,685 |
| Equity capital to assets | 8.3840% | 5,893 |
| Core capital (leverage) ratio | 8.4382% | 5,704 |
| Tier 1 risk-based capital ratio | 10.6797% | 6,188 |
| Total risk-based capital ratio | 11.9293% | 6,132 |
| Memoranda: |
| Average total assets | $102,897,330 | 4,609 |
| Average earning assets | $97,956,330 | 4,530 |
| Average equity | $8,379,000 | 5,179 |
| Average total loans | $78,804,330 | 3,947 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3804% | 2,220 |
| Cost of funding earning assets | 0.5132% | 2,774 |
| Net interest margin | 3.8673% | 2,204 |
| Noninterest income to average assets | 0.0858% | 6,377 |
| Noninterest expense to average assets | 3.4592% | 1,571 |
| Loan and lease loss provision to assets | 0.1950% | 1,202 |
| Net operating income to assets | 0.1014% | 6,028 |
| Return on assets (ROA) | 0.1014% | 6,058 |
| Pretax return on assets | 0.1053% | 6,071 |
| Return on Equity (ROE) | 1.2641% | 5,986 |
| Retained earnings to average equity (ytd only) | 1.2641% | 5,111 |
| Net charge-offs to loans | 0.0769% | 2,381 |
| Credit loss provision to net charge-offs | 333.3333% | 740 |
| Earnings coverage of net charge-offs (x) | 5.1333% | 2,419 |
| Efficiency ratio | 92.0124% | 881 |
| Assets per employee ($millions) | 4.1643% | 3,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3362% | 3,919 |
| Loan loss allowance to noncurrent loans | 75.9140% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 2.7241% | 1,117 |
| Noncurrent loans to loans | 1.7602% | 2,193 |
| Net loans and leases to total assets | 75.1102% | 1,113 |
| Net loans and leases to deposits | 85.6303% | 1,643 |
| Net loans and leases to core deposits | 89.0857% | 1,995 |
| Total domestic deposits to total assets | 87.7146% | 2,401 |
| Equity capital to assets | 8.2434% | 5,871 |
| Core capital (leverage) ratio | 8.6701% | 5,428 |
| Tier 1 risk-based capital ratio | 10.6609% | 6,287 |
| Total risk-based capital ratio | 11.9108% | 6,249 |
| Memoranda: |
| Average total assets | $102,568,500 | 4,664 |
| Average earning assets | $97,433,500 | 4,584 |
| Average equity | $8,227,500 | 5,234 |
| Average total loans | $78,040,500 | 3,993 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1066% | 3,712 |
| Cost of funding earning assets | 0.6093% | 2,578 |
| Net interest margin | 3.4973% | 3,923 |
| Noninterest income to average assets | 0.1049% | 6,372 |
| Noninterest expense to average assets | 3.2691% | 2,222 |
| Loan and lease loss provision to assets | 0.0525% | 4,087 |
| Net operating income to assets | 0.1078% | 6,031 |
| Return on assets (ROA) | 0.1612% | 5,986 |
| Pretax return on assets | 0.1211% | 6,063 |
| Return on Equity (ROE) | 2.2568% | 5,751 |
| Retained earnings to average equity (ytd only) | 2.2568% | 4,641 |
| Net charge-offs to loans | 1.0597% | 536 |
| Credit loss provision to net charge-offs | 6.7651% | 4,626 |
| Earnings coverage of net charge-offs (x) | 0.1550% | 5,032 |
| Efficiency ratio | 96.3140% | 624 |
| Assets per employee ($millions) | 4.0412% | 3,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3329% | 3,966 |
| Loan loss allowance to noncurrent loans | 36.0690% | 5,749 |
| Noncurrent assets plus other real estate owned to assets | 4.7273% | 513 |
| Noncurrent loans to loans | 3.6953% | 819 |
| Net loans and leases to total assets | 75.0302% | 1,219 |
| Net loans and leases to deposits | 84.3192% | 1,889 |
| Net loans and leases to core deposits | 86.9829% | 2,352 |
| Total domestic deposits to total assets | 88.9835% | 1,642 |
| Equity capital to assets | 7.7927% | 6,138 |
| Core capital (leverage) ratio | 8.1956% | 5,979 |
| Tier 1 risk-based capital ratio | 10.3322% | 6,422 |
| Total risk-based capital ratio | 11.5767% | 6,383 |
| Memoranda: |
| Average total assets | $104,860,200 | 4,623 |
| Average earning assets | $98,475,600 | 4,554 |
| Average equity | $7,488,600 | 5,462 |
| Average total loans | $76,716,800 | 4,034 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0960% | 3,772 |
| Cost of funding earning assets | 0.6374% | 2,477 |
| Net interest margin | 3.4586% | 4,065 |
| Noninterest income to average assets | 0.0907% | 6,504 |
| Noninterest expense to average assets | 3.2092% | 2,339 |
| Loan and lease loss provision to assets | 0.0567% | 3,917 |
| Net operating income to assets | 0.0655% | 6,196 |
| Return on assets (ROA) | 0.1361% | 6,133 |
| Pretax return on assets | 0.1361% | 6,163 |
| Return on Equity (ROE) | 1.9479% | 5,955 |
| Retained earnings to average equity (ytd only) | 1.9479% | 5,157 |
| Net charge-offs to loans | 1.0605% | 536 |
| Credit loss provision to net charge-offs | 7.3770% | 4,253 |
| Earnings coverage of net charge-offs (x) | 0.1590% | 4,808 |
| Efficiency ratio | 96.1422% | 613 |
| Assets per employee ($millions) | 4.0648% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5810% | 3,093 |
| Loan loss allowance to noncurrent loans | 32.9632% | 5,875 |
| Noncurrent assets plus other real estate owned to assets | 5.2776% | 514 |
| Noncurrent loans to loans | 4.7963% | 650 |
| Net loans and leases to total assets | 74.5520% | 1,205 |
| Net loans and leases to deposits | 82.1726% | 2,119 |
| Net loans and leases to core deposits | 83.9975% | 2,656 |
| Total domestic deposits to total assets | 90.7261% | 642 |
| Equity capital to assets | 7.0449% | 6,536 |
| Core capital (leverage) ratio | 7.4809% | 6,452 |
| Tier 1 risk-based capital ratio | 9.3148% | 6,701 |
| Total risk-based capital ratio | 10.5676% | 6,681 |
| Memoranda: |
| Average total assets | $105,817,750 | 4,646 |
| Average earning assets | $99,151,250 | 4,583 |
| Average equity | $7,392,500 | 5,540 |
| Average total loans | $76,689,250 | 4,070 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1014% | 3,729 |
| Cost of funding earning assets | 0.6613% | 2,391 |
| Net interest margin | 3.4401% | 4,042 |
| Noninterest income to average assets | 0.1716% | 6,184 |
| Noninterest expense to average assets | 3.3036% | 2,059 |
| Loan and lease loss provision to assets | 0.0466% | 4,044 |
| Net operating income to assets | 0.0336% | 6,259 |
| Return on assets (ROA) | 0.1380% | 6,152 |
| Pretax return on assets | 0.1380% | 6,177 |
| Return on Equity (ROE) | 1.9812% | 5,963 |
| Retained earnings to average equity (ytd only) | 1.9812% | 5,013 |
| Net charge-offs to loans | 1.5537% | 333 |
| Credit loss provision to net charge-offs | 4.2017% | 3,965 |
| Earnings coverage of net charge-offs (x) | 0.0723% | 4,522 |
| Efficiency ratio | 97.4090% | 601 |
| Assets per employee ($millions) | 4.2105% | 3,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6050% | 3,141 |
| Loan loss allowance to noncurrent loans | 41.5353% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 3.4694% | 1,113 |
| Noncurrent loans to loans | 3.8643% | 1,039 |
| Net loans and leases to total assets | 70.5858% | 1,788 |
| Net loans and leases to deposits | 77.6328% | 2,618 |
| Net loans and leases to core deposits | 79.2922% | 3,113 |
| Total domestic deposits to total assets | 90.9227% | 574 |
| Equity capital to assets | 6.8790% | 6,624 |
| Core capital (leverage) ratio | 7.2004% | 6,564 |
| Tier 1 risk-based capital ratio | 9.7384% | 6,684 |
| Total risk-based capital ratio | 10.9919% | 6,667 |
| Memoranda: |
| Average total assets | $107,217,330 | 4,635 |
| Average earning assets | $100,112,330 | 4,585 |
| Average equity | $7,470,330 | 5,570 |
| Average total loans | $76,593,670 | 4,084 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0358% | 3,975 |
| Cost of funding earning assets | 0.6562% | 2,602 |
| Net interest margin | 3.3796% | 4,195 |
| Noninterest income to average assets | 0.2514% | 5,661 |
| Noninterest expense to average assets | 3.3310% | 2,008 |
| Loan and lease loss provision to assets | 0.0739% | 3,396 |
| Net operating income to assets | 0.0074% | 6,332 |
| Return on assets (ROA) | 0.1627% | 6,102 |
| Pretax return on assets | 0.1627% | 6,148 |
| Return on Equity (ROE) | 2.3204% | 5,840 |
| Retained earnings to average equity (ytd only) | 2.3204% | 4,865 |
| Net charge-offs to loans | 0.9801% | 625 |
| Credit loss provision to net charge-offs | 10.5820% | 3,139 |
| Earnings coverage of net charge-offs (x) | 0.1164% | 3,782 |
| Efficiency ratio | 97.6165% | 651 |
| Assets per employee ($millions) | 4.3768% | 3,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0840% | 1,832 |
| Loan loss allowance to noncurrent loans | 38.8207% | 5,662 |
| Noncurrent assets plus other real estate owned to assets | 4.4882% | 832 |
| Noncurrent loans to loans | 5.3682% | 686 |
| Net loans and leases to total assets | 69.2618% | 1,786 |
| Net loans and leases to deposits | 76.0807% | 2,625 |
| Net loans and leases to core deposits | 77.2438% | 3,166 |
| Total domestic deposits to total assets | 91.0374% | 509 |
| Equity capital to assets | 6.9045% | 6,732 |
| Core capital (leverage) ratio | 7.1522% | 6,597 |
| Tier 1 risk-based capital ratio | 9.5426% | 6,756 |
| Total risk-based capital ratio | 10.8021% | 6,741 |
| Memoranda: |
| Average total assets | $108,195,000 | 4,652 |
| Average earning assets | $101,194,500 | 4,587 |
| Average equity | $7,585,000 | 5,609 |
| Average total loans | $77,134,500 | 4,092 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4354% | 3,681 |
| Cost of funding earning assets | 0.8474% | 2,309 |
| Net interest margin | 3.5880% | 4,136 |
| Noninterest income to average assets | 0.1524% | 6,272 |
| Noninterest expense to average assets | 3.4291% | 1,990 |
| Loan and lease loss provision to assets | 0.4940% | 1,213 |
| Net operating income to assets | -0.4037% | 6,517 |
| Return on assets (ROA) | -0.3134% | 6,506 |
| Pretax return on assets | -0.3134% | 6,485 |
| Return on Equity (ROE) | -4.3347% | 6,568 |
| Retained earnings to average equity (ytd only) | -4.3347% | 6,385 |
| Net charge-offs to loans | 0.9755% | 1,125 |
| Credit loss provision to net charge-offs | 66.2879% | 4,278 |
| Earnings coverage of net charge-offs (x) | 0.1212% | 5,431 |
| Efficiency ratio | 97.4332% | 648 |
| Assets per employee ($millions) | 4.4570% | 3,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3182% | 1,340 |
| Loan loss allowance to noncurrent loans | 37.3194% | 5,756 |
| Noncurrent assets plus other real estate owned to assets | 5.5754% | 663 |
| Noncurrent loans to loans | 6.2119% | 563 |
| Net loans and leases to total assets | 70.1951% | 1,810 |
| Net loans and leases to deposits | 77.2850% | 2,613 |
| Net loans and leases to core deposits | 78.4969% | 3,198 |
| Total domestic deposits to total assets | 90.8263% | 550 |
| Equity capital to assets | 7.1189% | 6,748 |
| Core capital (leverage) ratio | 7.4006% | 6,537 |
| Tier 1 risk-based capital ratio | 9.3992% | 6,814 |
| Total risk-based capital ratio | 10.6613% | 6,808 |
| Memoranda: |
| Average total assets | $106,266,600 | 4,669 |
| Average earning assets | $99,721,200 | 4,599 |
| Average equity | $7,682,200 | 5,588 |
| Average total loans | $81,192,400 | 4,002 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4747% | 3,736 |
| Cost of funding earning assets | 0.8931% | 2,218 |
| Net interest margin | 3.5816% | 4,315 |
| Noninterest income to average assets | 0.1496% | 6,402 |
| Noninterest expense to average assets | 3.4611% | 1,856 |
| Loan and lease loss provision to assets | 0.5970% | 928 |
| Net operating income to assets | -0.5417% | 6,716 |
| Return on assets (ROA) | -0.4424% | 6,712 |
| Pretax return on assets | -0.4424% | 6,680 |
| Return on Equity (ROE) | -6.0959% | 6,759 |
| Retained earnings to average equity (ytd only) | -6.0959% | 6,678 |
| Net charge-offs to loans | 1.1522% | 872 |
| Credit loss provision to net charge-offs | 66.8073% | 3,988 |
| Earnings coverage of net charge-offs (x) | 0.0619% | 5,305 |
| Efficiency ratio | 98.4274% | 589 |
| Assets per employee ($millions) | 4.3563% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3473% | 1,438 |
| Loan loss allowance to noncurrent loans | 30.5425% | 6,103 |
| Noncurrent assets plus other real estate owned to assets | 6.8476% | 533 |
| Noncurrent loans to loans | 7.6853% | 429 |
| Net loans and leases to total assets | 75.2782% | 1,082 |
| Net loans and leases to deposits | 83.4458% | 1,934 |
| Net loans and leases to core deposits | 85.0952% | 2,568 |
| Total domestic deposits to total assets | 90.2121% | 722 |
| Equity capital to assets | 7.6132% | 6,742 |
| Core capital (leverage) ratio | 7.2047% | 6,747 |
| Tier 1 risk-based capital ratio | 9.4413% | 6,908 |
| Total risk-based capital ratio | 10.7039% | 6,896 |
| Memoranda: |
| Average total assets | $106,091,000 | 4,727 |
| Average earning assets | $99,728,750 | 4,650 |
| Average equity | $7,699,000 | 5,643 |
| Average total loans | $82,273,250 | 4,012 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4553% | 3,959 |
| Cost of funding earning assets | 0.9213% | 2,250 |
| Net interest margin | 3.5340% | 4,536 |
| Noninterest income to average assets | 0.1462% | 6,464 |
| Noninterest expense to average assets | 3.6740% | 1,426 |
| Loan and lease loss provision to assets | 0.5664% | 1,078 |
| Net operating income to assets | -0.7644% | 6,843 |
| Return on assets (ROA) | -0.6552% | 6,836 |
| Pretax return on assets | -0.6552% | 6,805 |
| Return on Equity (ROE) | -9.1678% | 6,891 |
| Retained earnings to average equity (ytd only) | -9.1678% | 6,812 |
| Net charge-offs to loans | 1.6938% | 538 |
| Credit loss provision to net charge-offs | 43.0380% | 4,191 |
| Earnings coverage of net charge-offs (x) | -0.1505% | 5,145 |
| Efficiency ratio | 105.6976% | 401 |
| Assets per employee ($millions) | 4.8547% | 2,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0718% | 2,057 |
| Loan loss allowance to noncurrent loans | 28.4331% | 6,214 |
| Noncurrent assets plus other real estate owned to assets | 6.2405% | 672 |
| Noncurrent loans to loans | 7.2865% | 518 |
| Net loans and leases to total assets | 69.5953% | 1,991 |
| Net loans and leases to deposits | 77.8926% | 2,689 |
| Net loans and leases to core deposits | 80.2064% | 3,189 |
| Total domestic deposits to total assets | 89.3477% | 1,303 |
| Equity capital to assets | 6.8254% | 6,939 |
| Core capital (leverage) ratio | 7.1044% | 6,785 |
| Tier 1 risk-based capital ratio | 9.1338% | 6,967 |
| Total risk-based capital ratio | 10.3931% | 6,967 |
| Memoranda: |
| Average total assets | $108,056,330 | 4,716 |
| Average earning assets | $101,812,000 | 4,630 |
| Average equity | $7,722,670 | 5,648 |
| Average total loans | $83,951,670 | 3,978 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6082% | 3,464 |
| Cost of funding earning assets | 0.9617% | 2,225 |
| Net interest margin | 3.6465% | 4,060 |
| Noninterest income to average assets | 0.1506% | 6,489 |
| Noninterest expense to average assets | 3.9753% | 962 |
| Loan and lease loss provision to assets | 0.6400% | 863 |
| Net operating income to assets | -1.0390% | 7,001 |
| Return on assets (ROA) | -0.9411% | 7,004 |
| Pretax return on assets | -0.9411% | 6,964 |
| Return on Equity (ROE) | -12.8642% | 7,038 |
| Retained earnings to average equity (ytd only) | -12.8642% | 6,921 |
| Net charge-offs to loans | 1.6185% | 609 |
| Credit loss provision to net charge-offs | 48.7106% | 3,308 |
| Earnings coverage of net charge-offs (x) | -0.3037% | 4,466 |
| Efficiency ratio | 111.1579% | 319 |
| Assets per employee ($millions) | 4.2406% | 3,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1844% | 1,916 |
| Loan loss allowance to noncurrent loans | 24.4540% | 6,403 |
| Noncurrent assets plus other real estate owned to assets | 7.9790% | 480 |
| Noncurrent loans to loans | 8.9327% | 385 |
| Net loans and leases to total assets | 78.9852% | 487 |
| Net loans and leases to deposits | 88.9731% | 1,063 |
| Net loans and leases to core deposits | 91.9671% | 1,652 |
| Total domestic deposits to total assets | 88.7743% | 1,832 |
| Equity capital to assets | 7.2338% | 6,872 |
| Core capital (leverage) ratio | 7.0961% | 6,803 |
| Tier 1 risk-based capital ratio | 8.5518% | 7,072 |
| Total risk-based capital ratio | 9.8120% | 7,072 |
| Memoranda: |
| Average total assets | $106,256,000 | 4,784 |
| Average earning assets | $99,821,000 | 4,701 |
| Average equity | $7,773,500 | 5,667 |
| Average total loans | $86,251,500 | 3,933 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9486% | 3,110 |
| Cost of funding earning assets | 1.2311% | 1,831 |
| Net interest margin | 3.7175% | 4,217 |
| Noninterest income to average assets | 0.1072% | 6,608 |
| Noninterest expense to average assets | 3.2005% | 2,867 |
| Loan and lease loss provision to assets | 2.3479% | 204 |
| Net operating income to assets | -1.9029% | 7,012 |
| Return on assets (ROA) | -1.8914% | 7,022 |
| Pretax return on assets | -1.8914% | 7,001 |
| Return on Equity (ROE) | -22.9019% | 7,024 |
| Retained earnings to average equity (ytd only) | -22.9019% | 7,011 |
| Net charge-offs to loans | 2.2527% | 560 |
| Credit loss provision to net charge-offs | 126.2030% | 2,469 |
| Earnings coverage of net charge-offs (x) | 0.2392% | 5,648 |
| Efficiency ratio | 87.7948% | 1,371 |
| Assets per employee ($millions) | 4.2598% | 3,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3580% | 1,528 |
| Loan loss allowance to noncurrent loans | 34.5823% | 5,906 |
| Noncurrent assets plus other real estate owned to assets | 6.5317% | 722 |
| Noncurrent loans to loans | 6.8185% | 661 |
| Net loans and leases to total assets | 79.6715% | 530 |
| Net loans and leases to deposits | 89.9670% | 1,161 |
| Net loans and leases to core deposits | 92.4622% | 1,843 |
| Total domestic deposits to total assets | 88.5564% | 1,817 |
| Equity capital to assets | 7.3975% | 6,859 |
| Core capital (leverage) ratio | 7.0801% | 6,838 |
| Tier 1 risk-based capital ratio | 8.9941% | 7,035 |
| Total risk-based capital ratio | 10.2579% | 7,038 |
| Memoranda: |
| Average total assets | $112,825,600 | 4,576 |
| Average earning assets | $107,383,000 | 4,466 |
| Average equity | $9,318,000 | 5,203 |
| Average total loans | $93,177,200 | 3,782 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9866% | 3,153 |
| Cost of funding earning assets | 1.2915% | 1,756 |
| Net interest margin | 3.6951% | 4,355 |
| Noninterest income to average assets | 0.0932% | 6,781 |
| Noninterest expense to average assets | 3.1139% | 3,107 |
| Loan and lease loss provision to assets | 0.8041% | 1,157 |
| Net operating income to assets | -0.2972% | 6,488 |
| Return on assets (ROA) | -0.2820% | 6,533 |
| Pretax return on assets | -0.2820% | 6,478 |
| Return on Equity (ROE) | -3.3340% | 6,579 |
| Retained earnings to average equity (ytd only) | -3.3340% | 6,449 |
| Net charge-offs to loans | 1.0315% | 1,552 |
| Credit loss provision to net charge-offs | 94.1337% | 3,627 |
| Earnings coverage of net charge-offs (x) | 0.5935% | 5,178 |
| Efficiency ratio | 85.9994% | 1,528 |
| Assets per employee ($millions) | 4.3595% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6016% | 3,658 |
| Loan loss allowance to noncurrent loans | 35.2898% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 4.4465% | 1,349 |
| Noncurrent loans to loans | 4.5383% | 1,423 |
| Net loans and leases to total assets | 78.8667% | 620 |
| Net loans and leases to deposits | 90.0422% | 1,208 |
| Net loans and leases to core deposits | 92.7544% | 1,912 |
| Total domestic deposits to total assets | 87.5886% | 2,300 |
| Equity capital to assets | 8.5948% | 6,209 |
| Core capital (leverage) ratio | 8.3935% | 5,866 |
| Tier 1 risk-based capital ratio | 10.5946% | 6,738 |
| Total risk-based capital ratio | 11.8491% | 6,720 |
| Memoranda: |
| Average total assets | $114,408,000 | 4,571 |
| Average earning assets | $109,222,500 | 4,443 |
| Average equity | $9,678,000 | 5,136 |
| Average total loans | $94,747,500 | 3,784 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0541% | 2,904 |
| Cost of funding earning assets | 1.3547% | 1,626 |
| Net interest margin | 3.6994% | 4,260 |
| Noninterest income to average assets | 0.0889% | 6,884 |
| Noninterest expense to average assets | 3.1282% | 3,147 |
| Loan and lease loss provision to assets | 1.0265% | 840 |
| Net operating income to assets | -0.5298% | 6,709 |
| Return on assets (ROA) | -0.5071% | 6,720 |
| Pretax return on assets | -0.5071% | 6,663 |
| Return on Equity (ROE) | -6.0269% | 6,779 |
| Retained earnings to average equity (ytd only) | -6.0269% | 6,655 |
| Net charge-offs to loans | 1.4201% | 1,063 |
| Credit loss provision to net charge-offs | 86.3636% | 3,574 |
| Earnings coverage of net charge-offs (x) | 0.4179% | 4,986 |
| Efficiency ratio | 86.2981% | 1,572 |
| Assets per employee ($millions) | 4.3220% | 3,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5142% | 4,065 |
| Loan loss allowance to noncurrent loans | 40.2810% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 3.3407% | 1,979 |
| Noncurrent loans to loans | 3.7590% | 1,864 |
| Net loans and leases to total assets | 81.3253% | 423 |
| Net loans and leases to deposits | 92.9201% | 957 |
| Net loans and leases to core deposits | 97.6868% | 1,526 |
| Total domestic deposits to total assets | 87.5217% | 2,455 |
| Equity capital to assets | 8.5903% | 6,071 |
| Core capital (leverage) ratio | 8.3194% | 5,837 |
| Tier 1 risk-based capital ratio | 10.4482% | 6,808 |
| Total risk-based capital ratio | 11.7009% | 6,808 |
| Memoranda: |
| Average total assets | $114,761,670 | 4,595 |
| Average earning assets | $109,692,670 | 4,457 |
| Average equity | $9,656,670 | 5,137 |
| Average total loans | $96,047,330 | 3,796 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1861% | 2,272 |
| Cost of funding earning assets | 1.3931% | 1,643 |
| Net interest margin | 3.7930% | 3,650 |
| Noninterest income to average assets | 0.0793% | 6,997 |
| Noninterest expense to average assets | 3.2771% | 2,633 |
| Loan and lease loss provision to assets | 1.5661% | 396 |
| Net operating income to assets | -1.1384% | 7,081 |
| Return on assets (ROA) | -1.1384% | 7,089 |
| Pretax return on assets | -1.1384% | 7,040 |
| Return on Equity (ROE) | -13.6667% | 7,120 |
| Retained earnings to average equity (ytd only) | -13.6667% | 7,001 |
| Net charge-offs to loans | 2.5513% | 440 |
| Credit loss provision to net charge-offs | 72.8732% | 3,301 |
| Earnings coverage of net charge-offs (x) | 0.1990% | 4,463 |
| Efficiency ratio | 88.4544% | 1,464 |
| Assets per employee ($millions) | 4.4462% | 2,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3707% | 4,805 |
| Loan loss allowance to noncurrent loans | 40.0663% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 3.0995% | 2,225 |
| Noncurrent loans to loans | 3.4212% | 2,194 |
| Net loans and leases to total assets | 82.7215% | 294 |
| Net loans and leases to deposits | 94.0026% | 824 |
| Net loans and leases to core deposits | 97.7821% | 1,546 |
| Total domestic deposits to total assets | 87.9991% | 2,372 |
| Equity capital to assets | 8.2111% | 6,269 |
| Core capital (leverage) ratio | 8.0561% | 6,181 |
| Tier 1 risk-based capital ratio | 9.9687% | 7,016 |
| Total risk-based capital ratio | 11.2207% | 7,015 |
| Memoranda: |
| Average total assets | $115,957,000 | 4,591 |
| Average earning assets | $110,835,500 | 4,444 |
| Average equity | $9,658,500 | 5,131 |
| Average total loans | $97,675,500 | 3,787 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0154% | 4,481 |
| Cost of funding earning assets | 1.7403% | 1,423 |
| Net interest margin | 3.2751% | 6,055 |
| Noninterest income to average assets | 0.0831% | 6,975 |
| Noninterest expense to average assets | 3.1518% | 3,266 |
| Loan and lease loss provision to assets | 1.1065% | 1,440 |
| Net operating income to assets | -2.5042% | 7,175 |
| Return on assets (ROA) | -2.4390% | 7,177 |
| Pretax return on assets | -1.0032% | 6,643 |
| Return on Equity (ROE) | -25.7835% | 7,152 |
| Retained earnings to average equity (ytd only) | -25.7835% | 7,133 |
| Net charge-offs to loans | 1.1001% | 2,027 |
| Credit loss provision to net charge-offs | 127.2321% | 3,169 |
| Earnings coverage of net charge-offs (x) | 0.0438% | 6,072 |
| Efficiency ratio | 98.8072% | 831 |
| Assets per employee ($millions) | 4.3079% | 3,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5224% | 3,885 |
| Loan loss allowance to noncurrent loans | 38.4497% | 5,736 |
| Noncurrent assets plus other real estate owned to assets | 3.4484% | 2,021 |
| Noncurrent loans to loans | 3.9595% | 1,841 |
| Net loans and leases to total assets | 83.3073% | 355 |
| Net loans and leases to deposits | 96.3383% | 843 |
| Net loans and leases to core deposits | 99.9536% | 1,619 |
| Total domestic deposits to total assets | 86.4737% | 3,094 |
| Equity capital to assets | 8.4470% | 5,926 |
| Core capital (leverage) ratio | 8.0657% | 6,082 |
| Tier 1 risk-based capital ratio | 10.2249% | 6,863 |
| Total risk-based capital ratio | 11.4793% | 6,833 |
| Memoranda: |
| Average total assets | $128,782,400 | 4,300 |
| Average earning assets | $122,163,000 | 4,185 |
| Average equity | $12,182,200 | 4,559 |
| Average total loans | $101,804,800 | 3,746 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9692% | 4,953 |
| Cost of funding earning assets | 1.7720% | 1,541 |
| Net interest margin | 3.1972% | 6,350 |
| Noninterest income to average assets | 0.0698% | 7,183 |
| Noninterest expense to average assets | 3.1073% | 3,305 |
| Loan and lease loss provision to assets | 0.8622% | 1,765 |
| Net operating income to assets | -0.5950% | 6,659 |
| Return on assets (ROA) | -0.5620% | 6,694 |
| Pretax return on assets | -0.8238% | 6,753 |
| Return on Equity (ROE) | -5.8044% | 6,703 |
| Retained earnings to average equity (ytd only) | -5.8044% | 6,615 |
| Net charge-offs to loans | 0.5026% | 3,269 |
| Credit loss provision to net charge-offs | 220.4134% | 1,565 |
| Earnings coverage of net charge-offs (x) | -0.0258% | 6,053 |
| Efficiency ratio | 100.3264% | 731 |
| Assets per employee ($millions) | 4.9783% | 2,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6011% | 3,522 |
| Loan loss allowance to noncurrent loans | 49.3750% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 2.6847% | 2,690 |
| Noncurrent loans to loans | 3.2428% | 2,443 |
| Net loans and leases to total assets | 78.7693% | 922 |
| Net loans and leases to deposits | 93.4724% | 1,266 |
| Net loans and leases to core deposits | 98.8252% | 1,954 |
| Total domestic deposits to total assets | 84.2701% | 3,971 |
| Equity capital to assets | 9.5971% | 4,699 |
| Core capital (leverage) ratio | 8.4771% | 5,551 |
| Tier 1 risk-based capital ratio | 10.2873% | 6,901 |
| Total risk-based capital ratio | 11.5417% | 6,889 |
| Memoranda: |
| Average total assets | $131,899,500 | 4,278 |
| Average earning assets | $124,899,500 | 4,189 |
| Average equity | $12,771,500 | 4,481 |
| Average total loans | $102,657,000 | 3,777 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9819% | 5,024 |
| Cost of funding earning assets | 1.8197% | 1,569 |
| Net interest margin | 3.1622% | 6,427 |
| Noninterest income to average assets | 0.0814% | 7,183 |
| Noninterest expense to average assets | 3.0153% | 3,654 |
| Loan and lease loss provision to assets | 0.3014% | 3,983 |
| Net operating income to assets | -0.1659% | 6,312 |
| Return on assets (ROA) | -0.1160% | 6,323 |
| Pretax return on assets | -0.1673% | 6,306 |
| Return on Equity (ROE) | -1.1949% | 6,344 |
| Retained earnings to average equity (ytd only) | -1.1949% | 6,013 |
| Net charge-offs to loans | 0.2150% | 4,319 |
| Credit loss provision to net charge-offs | 181.8182% | 2,161 |
| Earnings coverage of net charge-offs (x) | 0.3727% | 5,365 |
| Efficiency ratio | 97.9922% | 883 |
| Assets per employee ($millions) | 4.8560% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2376% | 5,251 |
| Loan loss allowance to noncurrent loans | 102.4760% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.9549% | 5,225 |
| Noncurrent loans to loans | 1.2077% | 4,948 |
| Net loans and leases to total assets | 78.0922% | 1,102 |
| Net loans and leases to deposits | 89.9957% | 1,852 |
| Net loans and leases to core deposits | 95.4151% | 2,518 |
| Total domestic deposits to total assets | 86.7732% | 2,663 |
| Equity capital to assets | 9.8121% | 4,248 |
| Core capital (leverage) ratio | 8.4388% | 5,515 |
| Tier 1 risk-based capital ratio | 10.4293% | 6,738 |
| Total risk-based capital ratio | 11.6374% | 6,765 |
| Memoranda: |
| Average total assets | $132,721,000 | 4,285 |
| Average earning assets | $125,734,330 | 4,189 |
| Average equity | $12,888,000 | 4,460 |
| Average total loans | $102,338,000 | 3,823 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9983% | 5,024 |
| Cost of funding earning assets | 1.8570% | 1,625 |
| Net interest margin | 3.1413% | 6,486 |
| Noninterest income to average assets | 0.1019% | 7,199 |
| Noninterest expense to average assets | 2.9328% | 3,941 |
| Loan and lease loss provision to assets | 0.0989% | 5,648 |
| Net operating income to assets | 0.0310% | 6,218 |
| Return on assets (ROA) | 0.1288% | 6,054 |
| Pretax return on assets | 0.1887% | 5,906 |
| Return on Equity (ROE) | 1.3334% | 6,020 |
| Retained earnings to average equity (ytd only) | 1.3334% | 5,278 |
| Net charge-offs to loans | 0.0393% | 5,026 |
| Credit loss provision to net charge-offs | 330.0000% | 1,206 |
| Earnings coverage of net charge-offs (x) | 4.8000% | 2,547 |
| Efficiency ratio | 95.3262% | 1,065 |
| Assets per employee ($millions) | 4.5216% | 2,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1673% | 5,674 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 75.8988% | 1,562 |
| Net loans and leases to deposits | 90.6430% | 1,811 |
| Net loans and leases to core deposits | 98.4848% | 2,297 |
| Total domestic deposits to total assets | 83.7338% | 4,279 |
| Equity capital to assets | 9.5179% | 4,507 |
| Core capital (leverage) ratio | 8.5834% | 5,232 |
| Tier 1 risk-based capital ratio | 10.5238% | 6,611 |
| Total risk-based capital ratio | 11.6679% | 6,702 |
| Memoranda: |
| Average total assets | $133,525,000 | 4,334 |
| Average earning assets | $126,442,500 | 4,230 |
| Average equity | $12,899,500 | 4,502 |
| Average total loans | $101,671,000 | 3,897 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0134% | 6,394 |
| Cost of funding earning assets | 2.3692% | 1,392 |
| Net interest margin | 2.6442% | 7,289 |
| Noninterest income to average assets | 0.1681% | 6,877 |
| Noninterest expense to average assets | 3.7718% | 1,749 |
| Loan and lease loss provision to assets | 0.6115% | 3,354 |
| Net operating income to assets | -1.1118% | 6,652 |
| Return on assets (ROA) | -1.1118% | 6,659 |
| Pretax return on assets | -1.7513% | 6,841 |
| Return on Equity (ROE) | -8.3526% | 6,499 |
| Retained earnings to average equity (ytd only) | -8.3526% | 6,383 |
| Net charge-offs to loans | 0.0027% | 7,212 |
| Credit loss provision to net charge-offs | 30,550.0000% | 12 |
| Earnings coverage of net charge-offs (x) | -569.5000% | 7,239 |
| Efficiency ratio | 143.3080% | 359 |
| Assets per employee ($millions) | 4.2387% | 3,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2030% | 5,335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 74.5634% | 2,131 |
| Net loans and leases to deposits | 89.5904% | 2,281 |
| Net loans and leases to core deposits | 119.8906% | 1,956 |
| Total domestic deposits to total assets | 83.2269% | 4,411 |
| Equity capital to assets | 9.8081% | 3,994 |
| Core capital (leverage) ratio | 8.8591% | 4,664 |
| Tier 1 risk-based capital ratio | 10.4615% | 6,440 |
| Total risk-based capital ratio | 11.5956% | 6,516 |
| Memoranda: |
| Average total assets | $99,924,800 | 5,088 |
| Average earning assets | $93,109,800 | 5,031 |
| Average equity | $13,301,200 | 4,433 |
| Average total loans | $74,075,800 | 4,727 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9410% | 6,792 |
| Cost of funding earning assets | 2.4572% | 1,422 |
| Net interest margin | 2.4838% | 7,480 |
| Noninterest income to average assets | 0.1709% | 6,986 |
| Noninterest expense to average assets | 3.9482% | 1,356 |
| Loan and lease loss provision to assets | 0.7184% | 2,582 |
| Net operating income to assets | -1.4498% | 7,084 |
| Return on assets (ROA) | -1.4498% | 7,084 |
| Pretax return on assets | -2.1957% | 7,250 |
| Return on Equity (ROE) | -9.9566% | 6,891 |
| Retained earnings to average equity (ytd only) | -9.9566% | 6,801 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 159.7890% | 272 |
| Assets per employee ($millions) | 4.0014% | 3,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1981% | 5,124 |
| Loan loss allowance to noncurrent loans | 151.8987% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.5732% | 6,023 |
| Noncurrent loans to loans | 0.7888% | 5,720 |
| Net loans and leases to total assets | 71.7969% | 3,084 |
| Net loans and leases to deposits | 86.5339% | 3,221 |
| Net loans and leases to core deposits | 123.5523% | 1,949 |
| Total domestic deposits to total assets | 82.9696% | 4,237 |
| Equity capital to assets | 10.4746% | 3,543 |
| Core capital (leverage) ratio | 10.3465% | 2,929 |
| Tier 1 risk-based capital ratio | 11.5246% | 5,406 |
| Total risk-based capital ratio | 12.6259% | 5,503 |
| Memoranda: |
| Average total assets | $92,055,750 | 5,365 |
| Average earning assets | $85,244,500 | 5,330 |
| Average equity | $13,404,500 | 4,433 |
| Average total loans | $67,802,250 | 4,991 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9436% | 6,937 |
| Cost of funding earning assets | 2.5981% | 1,288 |
| Net interest margin | 2.3455% | 7,634 |
| Noninterest income to average assets | 0.2285% | 6,647 |
| Noninterest expense to average assets | 4.3837% | 864 |
| Loan and lease loss provision to assets | 0.8010% | 2,088 |
| Net operating income to assets | -1.8552% | 7,387 |
| Return on assets (ROA) | -1.8552% | 7,383 |
| Pretax return on assets | -2.8110% | 7,508 |
| Return on Equity (ROE) | -11.1508% | 7,117 |
| Retained earnings to average equity (ytd only) | -11.1508% | 6,979 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 184.6791% | 236 |
| Assets per employee ($millions) | 3.2937% | 5,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1949% | 4,983 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 76.1507% | 2,146 |
| Net loans and leases to deposits | 92.2958% | 2,412 |
| Net loans and leases to core deposits | 142.0862% | 930 |
| Total domestic deposits to total assets | 82.5072% | 4,475 |
| Equity capital to assets | 13.3415% | 1,545 |
| Core capital (leverage) ratio | 13.1842% | 1,376 |
| Tier 1 risk-based capital ratio | 13.7335% | 3,669 |
| Total risk-based capital ratio | 14.8122% | 3,709 |
| Memoranda: |
| Average total assets | $81,393,330 | 5,744 |
| Average earning assets | $74,439,330 | 5,730 |
| Average equity | $13,541,670 | 4,411 |
| Average total loans | $60,356,670 | 5,308 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8063% | 7,362 |
| Cost of funding earning assets | 2.7028% | 1,264 |
| Net interest margin | 2.1035% | 7,847 |
| Noninterest income to average assets | 0.1321% | 7,346 |
| Noninterest expense to average assets | 4.6558% | 612 |
| Loan and lease loss provision to assets | 0.6329% | 1,994 |
| Net operating income to assets | -2.1298% | 7,694 |
| Return on assets (ROA) | -2.1298% | 7,692 |
| Pretax return on assets | -3.2249% | 7,797 |
| Return on Equity (ROE) | -11.2820% | 7,440 |
| Retained earnings to average equity (ytd only) | -11.2820% | 7,225 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 225.6000% | 150 |
| Assets per employee ($millions) | 2.9999% | 6,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2013% | 4,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 70.9771% | 3,473 |
| Net loans and leases to deposits | 90.5711% | 2,842 |
| Net loans and leases to core deposits | 138.9688% | 1,153 |
| Total domestic deposits to total assets | 78.3661% | 5,902 |
| Equity capital to assets | 16.7054% | 766 |
| Core capital (leverage) ratio | 16.9344% | 663 |
| Tier 1 risk-based capital ratio | 18.6153% | 1,897 |
| Total risk-based capital ratio | 19.6915% | 1,908 |
| Memoranda: |
| Average total assets | $72,684,000 | 6,041 |
| Average earning assets | $66,746,000 | 6,014 |
| Average equity | $13,721,000 | 4,399 |
| Average total loans | $52,457,000 | 5,695 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1343% | 8,086 |
| Cost of funding earning assets | 2.1520% | 5,820 |
| Net interest margin | 1.9824% | 8,072 |
| Noninterest income to average assets | 0.1317% | 7,450 |
| Noninterest expense to average assets | 9.1356% | 168 |
| Loan and lease loss provision to assets | 1.3032% | 1,089 |
| Net operating income to assets | -5.7594% | 8,135 |
| Return on assets (ROA) | -5.7594% | 8,127 |
| Pretax return on assets | -8.4550% | 8,215 |
| Return on Equity (ROE) | -17.7979% | 7,702 |
| Retained earnings to average equity (ytd only) | -17.7979% | 7,610 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 460.5174% | 53 |
| Assets per employee ($millions) | 2.7987% | 6,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2499% | 4,146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 71.6809% | 3,656 |
| Net loans and leases to deposits | 99.1746% | 1,965 |
| Net loans and leases to core deposits | 157.9901% | 621 |
| Total domestic deposits to total assets | 72.2775% | 6,951 |
| Equity capital to assets | 21.6110% | 373 |
| Core capital (leverage) ratio | 23.0570% | 306 |
| Tier 1 risk-based capital ratio | 24.2942% | 1,053 |
| Total risk-based capital ratio | 25.4166% | 1,051 |
| Memoranda: |
| Average total assets | $44,813,500 | 6,997 |
| Average earning assets | $41,869,000 | 6,953 |
| Average equity | $14,501,750 | 4,239 |
| Average total loans | $23,752,750 | 7,088 |
