Home > First Bank of the Palm Beaches > Performance and Condition Ratios
First Bank of the Palm Beaches, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9873% | 1,515 |
| Cost of funding earning assets | 0.9703% | 1,858 |
| Net interest margin | 4.0170% | 1,799 |
| Noninterest income to average assets | 1.0413% | 885 |
| Noninterest expense to average assets | 3.0808% | 1,809 |
| Loan and lease loss provision to assets | 0.0108% | 3,799 |
| Net operating income to assets | 0.9590% | 2,986 |
| Return on assets (ROA) | 0.9590% | 3,069 |
| Pretax return on assets | 1.3036% | 2,495 |
| Return on Equity (ROE) | 10.9927% | 1,898 |
| Retained earnings to average equity (ytd only) | 10.9927% | 335 |
| Net charge-offs to loans | -0.0047% | 4,340 |
| Credit loss provision to net charge-offs | -285.7143% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0954% | 2,156 |
| Assets per employee ($millions) | 6.1828% | 1,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7622% | 4,415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 74.3827% | 1,684 |
| Net loans and leases to deposits | 82.1977% | 2,536 |
| Net loans and leases to core deposits | 86.7782% | 2,728 |
| Total domestic deposits to total assets | 90.4924% | 198 |
| Equity capital to assets | 9.0579% | 4,654 |
| Core capital (leverage) ratio | 9.0602% | 4,479 |
| Tier 1 risk-based capital ratio | 12.3763% | 4,143 |
| Total risk-based capital ratio | 13.1569% | 4,288 |
| Memoranda: | ||
| Average total assets | $186,024,000 | 2,954 |
| Average earning assets | $155,313,400 | 3,133 |
| Average equity | $16,229,000 | 3,523 |
| Average total loans | $147,609,400 | 2,648 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8781% | 1,879 |
| Cost of funding earning assets | 0.9243% | 2,121 |
| Net interest margin | 3.9537% | 2,094 |
| Noninterest income to average assets | 0.3618% | 3,559 |
| Noninterest expense to average assets | 2.8946% | 2,278 |
| Loan and lease loss provision to assets | 0.0144% | 3,617 |
| Net operating income to assets | 0.6262% | 4,226 |
| Return on assets (ROA) | 0.6262% | 4,276 |
| Pretax return on assets | 0.8385% | 4,038 |
| Return on Equity (ROE) | 7.2493% | 3,596 |
| Retained earnings to average equity (ytd only) | 7.2493% | 1,738 |
| Net charge-offs to loans | -0.0063% | 4,261 |
| Credit loss provision to net charge-offs | -285.7143% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2403% | 1,189 |
| Assets per employee ($millions) | 5.9102% | 1,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7289% | 4,586 |
| Loan loss allowance to noncurrent loans | 502.2936% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.1153% | 4,137 |
| Noncurrent loans to loans | 0.1451% | 4,020 |
| Net loans and leases to total assets | 78.8538% | 1,010 |
| Net loans and leases to deposits | 86.8663% | 2,083 |
| Net loans and leases to core deposits | 90.6887% | 2,493 |
| Total domestic deposits to total assets | 90.7760% | 127 |
| Equity capital to assets | 8.6894% | 4,930 |
| Core capital (leverage) ratio | 8.9069% | 4,706 |
| Tier 1 risk-based capital ratio | 11.7296% | 4,560 |
| Total risk-based capital ratio | 12.5111% | 4,684 |
| Memoranda: | ||
| Average total assets | $184,613,250 | 2,998 |
| Average earning assets | $158,091,250 | 3,132 |
| Average equity | $15,946,000 | 3,582 |
| Average total loans | $148,596,250 | 2,662 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7972% | 2,067 |
| Cost of funding earning assets | 0.8954% | 2,171 |
| Net interest margin | 3.9017% | 2,240 |
| Noninterest income to average assets | 0.3550% | 3,560 |
| Noninterest expense to average assets | 3.0026% | 2,000 |
| Loan and lease loss provision to assets | 0.0218% | 3,366 |
| Net operating income to assets | 0.5614% | 4,402 |
| Return on assets (ROA) | 0.5614% | 4,432 |
| Pretax return on assets | 0.7526% | 4,213 |
| Return on Equity (ROE) | 6.5132% | 3,873 |
| Retained earnings to average equity (ytd only) | 6.5132% | 2,046 |
| Net charge-offs to loans | -0.0095% | 4,309 |
| Credit loss provision to net charge-offs | -285.7143% | 4,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4968% | 1,010 |
| Assets per employee ($millions) | 5.3847% | 2,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7547% | 4,590 |
| Loan loss allowance to noncurrent loans | 480.2632% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.1245% | 4,130 |
| Noncurrent loans to loans | 0.1571% | 3,976 |
| Net loans and leases to total assets | 78.6502% | 1,097 |
| Net loans and leases to deposits | 86.5389% | 2,199 |
| Net loans and leases to core deposits | 90.0321% | 2,598 |
| Total domestic deposits to total assets | 90.8843% | 118 |
| Equity capital to assets | 8.7765% | 4,915 |
| Core capital (leverage) ratio | 8.7564% | 4,803 |
| Tier 1 risk-based capital ratio | 12.3681% | 4,209 |
| Total risk-based capital ratio | 13.2112% | 4,325 |
| Memoranda: | ||
| Average total assets | $183,109,000 | 3,022 |
| Average earning assets | $160,595,000 | 3,128 |
| Average equity | $15,783,330 | 3,604 |
| Average total loans | $148,052,330 | 2,678 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8780% | 1,661 |
| Cost of funding earning assets | 0.9004% | 1,999 |
| Net interest margin | 3.9775% | 1,924 |
| Noninterest income to average assets | 0.3429% | 3,572 |
| Noninterest expense to average assets | 3.1061% | 1,721 |
| Loan and lease loss provision to assets | 0.0437% | 2,764 |
| Net operating income to assets | 0.4762% | 4,582 |
| Return on assets (ROA) | 0.4762% | 4,607 |
| Pretax return on assets | 0.6378% | 4,447 |
| Return on Equity (ROE) | 5.5751% | 4,164 |
| Retained earnings to average equity (ytd only) | 5.5751% | 2,656 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0069% | 872 |
| Assets per employee ($millions) | 5.4289% | 2,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7353% | 4,703 |
| Loan loss allowance to noncurrent loans | 455.2301% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.1295% | 4,147 |
| Noncurrent loans to loans | 0.1615% | 4,021 |
| Net loans and leases to total assets | 79.5729% | 894 |
| Net loans and leases to deposits | 87.2311% | 1,967 |
| Net loans and leases to core deposits | 90.6957% | 2,423 |
| Total domestic deposits to total assets | 91.2208% | 129 |
| Equity capital to assets | 8.5365% | 4,965 |
| Core capital (leverage) ratio | 8.6621% | 4,904 |
| Tier 1 risk-based capital ratio | 11.8138% | 4,560 |
| Total risk-based capital ratio | 12.6296% | 4,702 |
| Memoranda: | ||
| Average total assets | $183,124,000 | 3,056 |
| Average earning assets | $158,590,500 | 3,179 |
| Average equity | $15,641,000 | 3,627 |
| Average total loans | $149,535,000 | 2,693 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0474% | 946 |
| Cost of funding earning assets | 0.7220% | 1,942 |
| Net interest margin | 4.3254% | 1,098 |
| Noninterest income to average assets | 0.2663% | 4,331 |
| Noninterest expense to average assets | 3.0957% | 1,808 |
| Loan and lease loss provision to assets | 0.0273% | 3,632 |
| Net operating income to assets | 0.4986% | 4,662 |
| Return on assets (ROA) | 0.4986% | 4,664 |
| Pretax return on assets | 0.6678% | 4,492 |
| Return on Equity (ROE) | 5.4626% | 4,339 |
| Retained earnings to average equity (ytd only) | 5.4626% | 2,499 |
| Net charge-offs to loans | -0.0396% | 4,894 |
| Credit loss provision to net charge-offs | -84.9057% | 4,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6640% | 827 |
| Assets per employee ($millions) | 5.3431% | 2,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7068% | 4,793 |
| Loan loss allowance to noncurrent loans | 434.1463% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.1354% | 4,143 |
| Noncurrent loans to loans | 0.1628% | 4,013 |
| Net loans and leases to total assets | 82.5894% | 578 |
| Net loans and leases to deposits | 96.3381% | 1,038 |
| Net loans and leases to core deposits | 100.3384% | 1,694 |
| Total domestic deposits to total assets | 85.7287% | 2,353 |
| Equity capital to assets | 8.5459% | 4,904 |
| Core capital (leverage) ratio | 9.0434% | 4,612 |
| Tier 1 risk-based capital ratio | 11.2838% | 4,820 |
| Total risk-based capital ratio | 12.0637% | 4,949 |
| Memoranda: | ||
| Average total assets | $164,873,800 | 3,219 |
| Average earning assets | $134,346,000 | 3,435 |
| Average equity | $15,047,800 | 3,637 |
| Average total loans | $133,779,200 | 2,838 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0456% | 849 |
| Cost of funding earning assets | 0.7035% | 1,825 |
| Net interest margin | 4.3421% | 1,029 |
| Noninterest income to average assets | 0.3220% | 3,996 |
| Noninterest expense to average assets | 3.1267% | 1,696 |
| Loan and lease loss provision to assets | 0.0373% | 3,259 |
| Net operating income to assets | 0.5012% | 4,761 |
| Return on assets (ROA) | 0.5012% | 4,766 |
| Pretax return on assets | 0.6713% | 4,601 |
| Return on Equity (ROE) | 5.3944% | 4,448 |
| Retained earnings to average equity (ytd only) | 5.3944% | 3,011 |
| Net charge-offs to loans | -0.0031% | 4,140 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5232% | 812 |
| Assets per employee ($millions) | 5.2737% | 2,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7267% | 4,817 |
| Loan loss allowance to noncurrent loans | 397.6563% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.1471% | 4,212 |
| Noncurrent loans to loans | 0.1827% | 4,071 |
| Net loans and leases to total assets | 79.9089% | 1,034 |
| Net loans and leases to deposits | 88.4369% | 2,095 |
| Net loans and leases to core deposits | 90.6251% | 2,602 |
| Total domestic deposits to total assets | 90.3569% | 392 |
| Equity capital to assets | 8.7869% | 4,729 |
| Core capital (leverage) ratio | 8.9295% | 4,766 |
| Tier 1 risk-based capital ratio | 11.9167% | 4,544 |
| Total risk-based capital ratio | 12.7119% | 4,694 |
| Memoranda: | ||
| Average total assets | $160,676,000 | 3,292 |
| Average earning assets | $130,010,500 | 3,529 |
| Average equity | $14,928,500 | 3,676 |
| Average total loans | $129,448,000 | 2,907 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9509% | 916 |
| Cost of funding earning assets | 0.7018% | 1,612 |
| Net interest margin | 4.2490% | 1,164 |
| Noninterest income to average assets | 0.3341% | 3,947 |
| Noninterest expense to average assets | 3.0469% | 1,917 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5441% | 4,638 |
| Return on assets (ROA) | 0.5441% | 4,644 |
| Pretax return on assets | 0.7284% | 4,443 |
| Return on Equity (ROE) | 5.7404% | 4,330 |
| Retained earnings to average equity (ytd only) | 5.7404% | 2,701 |
| Net charge-offs to loans | -0.0048% | 4,089 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7053% | 938 |
| Assets per employee ($millions) | 4.6058% | 2,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7182% | 4,904 |
| Loan loss allowance to noncurrent loans | 368.5606% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 4,192 |
| Noncurrent loans to loans | 0.1949% | 4,025 |
| Net loans and leases to total assets | 81.1202% | 839 |
| Net loans and leases to deposits | 93.1874% | 1,450 |
| Net loans and leases to core deposits | 95.7351% | 2,081 |
| Total domestic deposits to total assets | 87.0506% | 1,816 |
| Equity capital to assets | 9.0684% | 4,506 |
| Core capital (leverage) ratio | 9.2083% | 4,452 |
| Tier 1 risk-based capital ratio | 12.1672% | 4,390 |
| Total risk-based capital ratio | 12.9597% | 4,555 |
| Memoranda: | ||
| Average total assets | $156,224,000 | 3,366 |
| Average earning assets | $126,523,670 | 3,610 |
| Average equity | $14,807,330 | 3,704 |
| Average total loans | $125,902,330 | 2,970 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0211% | 669 |
| Cost of funding earning assets | 0.6962% | 1,465 |
| Net interest margin | 4.3249% | 914 |
| Noninterest income to average assets | 0.2007% | 4,821 |
| Noninterest expense to average assets | 3.0060% | 2,046 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5019% | 4,686 |
| Return on assets (ROA) | 0.5019% | 4,693 |
| Pretax return on assets | 0.6736% | 4,507 |
| Return on Equity (ROE) | 5.1725% | 4,430 |
| Retained earnings to average equity (ytd only) | 5.1725% | 3,087 |
| Net charge-offs to loans | -0.0033% | 3,897 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6942% | 980 |
| Assets per employee ($millions) | 5.2310% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8061% | 4,779 |
| Loan loss allowance to noncurrent loans | 353.0909% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.1696% | 4,237 |
| Noncurrent loans to loans | 0.2283% | 3,951 |
| Net loans and leases to total assets | 73.6811% | 1,913 |
| Net loans and leases to deposits | 87.8725% | 1,946 |
| Net loans and leases to core deposits | 90.2180% | 2,431 |
| Total domestic deposits to total assets | 83.8500% | 3,387 |
| Equity capital to assets | 9.1212% | 4,438 |
| Core capital (leverage) ratio | 9.3973% | 4,194 |
| Tier 1 risk-based capital ratio | 13.0733% | 3,910 |
| Total risk-based capital ratio | 13.9418% | 4,021 |
| Memoranda: | ||
| Average total assets | $151,432,500 | 3,447 |
| Average earning assets | $121,807,000 | 3,719 |
| Average equity | $14,693,000 | 3,748 |
| Average total loans | $121,115,500 | 3,048 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7038% | 1,185 |
| Cost of funding earning assets | 0.5270% | 2,118 |
| Net interest margin | 4.1769% | 1,237 |
| Noninterest income to average assets | 0.3049% | 4,274 |
| Noninterest expense to average assets | 2.8887% | 2,494 |
| Loan and lease loss provision to assets | 0.5876% | 215 |
| Net operating income to assets | -0.0136% | 5,372 |
| Return on assets (ROA) | -0.0136% | 5,375 |
| Pretax return on assets | 0.2920% | 5,218 |
| Return on Equity (ROE) | -0.1291% | 5,377 |
| Retained earnings to average equity (ytd only) | -0.1291% | 5,053 |
| Net charge-offs to loans | 0.8820% | 222 |
| Credit loss provision to net charge-offs | 83.6568% | 2,889 |
| Earnings coverage of net charge-offs (x) | 1.2523% | 3,911 |
| Efficiency ratio | 76.6565% | 1,525 |
| Assets per employee ($millions) | 5.2113% | 2,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7965% | 4,844 |
| Loan loss allowance to noncurrent loans | 184.4106% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.3738% | 3,368 |
| Noncurrent loans to loans | 0.4319% | 3,240 |
| Net loans and leases to total assets | 85.8597% | 265 |
| Net loans and leases to deposits | 105.2316% | 435 |
| Net loans and leases to core deposits | 107.5857% | 1,166 |
| Total domestic deposits to total assets | 81.5911% | 3,972 |
| Equity capital to assets | 10.3728% | 3,308 |
| Core capital (leverage) ratio | 9.9056% | 3,574 |
| Tier 1 risk-based capital ratio | 13.2188% | 3,778 |
| Total risk-based capital ratio | 14.1119% | 3,890 |
| Memoranda: | ||
| Average total assets | $139,372,600 | 3,617 |
| Average earning assets | $115,565,400 | 3,825 |
| Average equity | $14,712,800 | 3,755 |
| Average total loans | $110,993,200 | 3,166 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6770% | 1,189 |
| Cost of funding earning assets | 0.5292% | 2,041 |
| Net interest margin | 4.1479% | 1,282 |
| Noninterest income to average assets | 0.3040% | 4,358 |
| Noninterest expense to average assets | 2.8423% | 2,591 |
| Loan and lease loss provision to assets | 0.6597% | 172 |
| Net operating income to assets | 0.1247% | 5,420 |
| Return on assets (ROA) | 0.1247% | 5,429 |
| Pretax return on assets | 0.1995% | 5,393 |
| Return on Equity (ROE) | 1.1757% | 5,409 |
| Retained earnings to average equity (ytd only) | 1.1757% | 4,927 |
| Net charge-offs to loans | 1.2201% | 138 |
| Credit loss provision to net charge-offs | 69.4248% | 2,705 |
| Earnings coverage of net charge-offs (x) | 0.9041% | 3,618 |
| Efficiency ratio | 76.7876% | 1,488 |
| Assets per employee ($millions) | 4.9231% | 2,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7313% | 5,070 |
| Loan loss allowance to noncurrent loans | 153.4323% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.3910% | 3,463 |
| Noncurrent loans to loans | 0.4767% | 3,255 |
| Net loans and leases to total assets | 81.4329% | 777 |
| Net loans and leases to deposits | 92.9231% | 1,431 |
| Net loans and leases to core deposits | 94.3540% | 2,238 |
| Total domestic deposits to total assets | 87.6348% | 1,558 |
| Equity capital to assets | 10.6887% | 3,175 |
| Core capital (leverage) ratio | 9.9281% | 3,651 |
| Tier 1 risk-based capital ratio | 13.6871% | 3,589 |
| Total risk-based capital ratio | 14.4734% | 3,782 |
| Memoranda: | ||
| Average total assets | $139,039,750 | 3,663 |
| Average earning assets | $113,886,750 | 3,886 |
| Average equity | $14,742,250 | 3,784 |
| Average total loans | $108,297,000 | 3,236 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6422% | 1,173 |
| Cost of funding earning assets | 0.5236% | 1,975 |
| Net interest margin | 4.1186% | 1,274 |
| Noninterest income to average assets | 0.2582% | 4,689 |
| Noninterest expense to average assets | 2.8543% | 2,566 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4776% | 4,764 |
| Return on assets (ROA) | 0.4776% | 4,798 |
| Pretax return on assets | 0.7659% | 4,389 |
| Return on Equity (ROE) | 4.5168% | 4,657 |
| Retained earnings to average equity (ytd only) | 4.5168% | 3,021 |
| Net charge-offs to loans | -0.0019% | 4,178 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8431% | 1,352 |
| Assets per employee ($millions) | 4.7563% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0198% | 4,031 |
| Loan loss allowance to noncurrent loans | 204.8913% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.4002% | 3,503 |
| Noncurrent loans to loans | 0.4977% | 3,260 |
| Net loans and leases to total assets | 79.5815% | 1,010 |
| Net loans and leases to deposits | 90.9663% | 1,614 |
| Net loans and leases to core deposits | 92.3663% | 2,309 |
| Total domestic deposits to total assets | 87.4846% | 1,730 |
| Equity capital to assets | 10.8226% | 3,010 |
| Core capital (leverage) ratio | 9.7151% | 3,879 |
| Tier 1 risk-based capital ratio | 14.1800% | 3,323 |
| Total risk-based capital ratio | 15.2700% | 3,330 |
| Memoranda: | ||
| Average total assets | $139,437,670 | 3,674 |
| Average earning assets | $113,825,000 | 3,913 |
| Average equity | $14,745,000 | 3,791 |
| Average total loans | $106,703,000 | 3,271 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6247% | 1,081 |
| Cost of funding earning assets | 0.4990% | 2,094 |
| Net interest margin | 4.1257% | 1,155 |
| Noninterest income to average assets | 0.1798% | 5,192 |
| Noninterest expense to average assets | 2.8561% | 2,596 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4194% | 4,893 |
| Return on assets (ROA) | 0.4194% | 4,915 |
| Pretax return on assets | 0.6734% | 4,523 |
| Return on Equity (ROE) | 4.0127% | 4,774 |
| Retained earnings to average equity (ytd only) | 4.0127% | 3,444 |
| Net charge-offs to loans | -0.0038% | 4,111 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9216% | 1,268 |
| Assets per employee ($millions) | 5.6908% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 4,069 |
| Loan loss allowance to noncurrent loans | 201.2456% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.3658% | 3,736 |
| Noncurrent loans to loans | 0.5136% | 3,278 |
| Net loans and leases to total assets | 70.4800% | 2,296 |
| Net loans and leases to deposits | 92.7977% | 1,245 |
| Net loans and leases to core deposits | 94.2728% | 1,961 |
| Total domestic deposits to total assets | 75.9502% | 5,234 |
| Equity capital to assets | 9.5892% | 4,192 |
| Core capital (leverage) ratio | 9.8481% | 3,696 |
| Tier 1 risk-based capital ratio | 13.5361% | 3,755 |
| Total risk-based capital ratio | 14.5991% | 3,779 |
| Memoranda: | ||
| Average total assets | $140,189,500 | 3,691 |
| Average earning assets | $113,824,000 | 3,947 |
| Average equity | $14,653,500 | 3,823 |
| Average total loans | $104,604,000 | 3,330 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5756% | 1,338 |
| Cost of funding earning assets | 0.4578% | 2,467 |
| Net interest margin | 4.1178% | 1,338 |
| Noninterest income to average assets | 0.2103% | 5,157 |
| Noninterest expense to average assets | 2.8596% | 2,817 |
| Loan and lease loss provision to assets | 0.0113% | 4,153 |
| Net operating income to assets | 0.3416% | 5,103 |
| Return on assets (ROA) | 0.3628% | 5,133 |
| Pretax return on assets | 0.5821% | 4,833 |
| Return on Equity (ROE) | 3.3738% | 5,053 |
| Retained earnings to average equity (ytd only) | 3.3738% | 3,522 |
| Net charge-offs to loans | -0.0094% | 4,929 |
| Credit loss provision to net charge-offs | -166.6667% | 4,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6152% | 1,047 |
| Assets per employee ($millions) | 5.0691% | 2,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 3,534 |
| Loan loss allowance to noncurrent loans | 194.1581% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.4593% | 3,421 |
| Noncurrent loans to loans | 0.5833% | 3,100 |
| Net loans and leases to total assets | 77.8469% | 1,215 |
| Net loans and leases to deposits | 90.1533% | 1,666 |
| Net loans and leases to core deposits | 90.7855% | 2,430 |
| Total domestic deposits to total assets | 86.3494% | 2,432 |
| Equity capital to assets | 11.4995% | 2,173 |
| Core capital (leverage) ratio | 10.0119% | 3,468 |
| Tier 1 risk-based capital ratio | 15.6344% | 2,692 |
| Total risk-based capital ratio | 16.8860% | 2,621 |
| Memoranda: | ||
| Average total assets | $133,131,600 | 3,781 |
| Average earning assets | $103,768,200 | 4,122 |
| Average equity | $14,316,400 | 3,904 |
| Average total loans | $95,293,000 | 3,475 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7123% | 1,040 |
| Cost of funding earning assets | 0.4619% | 2,447 |
| Net interest margin | 4.2504% | 1,025 |
| Noninterest income to average assets | 0.2197% | 5,150 |
| Noninterest expense to average assets | 2.8085% | 2,971 |
| Loan and lease loss provision to assets | 0.0148% | 3,950 |
| Net operating income to assets | 0.3462% | 5,175 |
| Return on assets (ROA) | 0.3741% | 5,189 |
| Pretax return on assets | 0.5997% | 4,880 |
| Return on Equity (ROE) | 3.5362% | 5,070 |
| Retained earnings to average equity (ytd only) | 3.5362% | 3,780 |
| Net charge-offs to loans | -0.0113% | 4,815 |
| Credit loss provision to net charge-offs | -187.5000% | 4,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1040% | 1,064 |
| Assets per employee ($millions) | 5.9190% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 3,324 |
| Loan loss allowance to noncurrent loans | 191.0321% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 3,829 |
| Noncurrent loans to loans | 0.6212% | 3,153 |
| Net loans and leases to total assets | 63.5346% | 3,457 |
| Net loans and leases to deposits | 77.8658% | 3,194 |
| Net loans and leases to core deposits | 79.0702% | 3,543 |
| Total domestic deposits to total assets | 81.5950% | 4,079 |
| Equity capital to assets | 9.7698% | 4,397 |
| Core capital (leverage) ratio | 9.9914% | 3,584 |
| Tier 1 risk-based capital ratio | 14.5810% | 3,245 |
| Total risk-based capital ratio | 15.7554% | 3,216 |
| Memoranda: | ||
| Average total assets | $134,732,750 | 3,781 |
| Average earning assets | $100,161,000 | 4,233 |
| Average equity | $14,252,250 | 3,945 |
| Average total loans | $94,170,500 | 3,515 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6219% | 1,232 |
| Cost of funding earning assets | 0.4337% | 2,705 |
| Net interest margin | 4.1882% | 1,143 |
| Noninterest income to average assets | 0.1780% | 5,428 |
| Noninterest expense to average assets | 2.8377% | 2,886 |
| Loan and lease loss provision to assets | 0.0230% | 3,667 |
| Net operating income to assets | 0.3681% | 5,128 |
| Return on assets (ROA) | 0.4113% | 5,085 |
| Pretax return on assets | 0.6599% | 4,740 |
| Return on Equity (ROE) | 3.7789% | 4,989 |
| Retained earnings to average equity (ytd only) | 3.7789% | 3,489 |
| Net charge-offs to loans | -0.0170% | 4,880 |
| Credit loss provision to net charge-offs | -187.5000% | 4,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1778% | 1,247 |
| Assets per employee ($millions) | 5.1079% | 2,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 3,539 |
| Loan loss allowance to noncurrent loans | 343.1611% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 4,503 |
| Noncurrent loans to loans | 0.3401% | 4,144 |
| Net loans and leases to total assets | 71.9943% | 2,171 |
| Net loans and leases to deposits | 90.4868% | 1,696 |
| Net loans and leases to core deposits | 91.6421% | 2,374 |
| Total domestic deposits to total assets | 79.5633% | 4,657 |
| Equity capital to assets | 10.7955% | 3,289 |
| Core capital (leverage) ratio | 9.9824% | 3,581 |
| Tier 1 risk-based capital ratio | 14.6782% | 3,214 |
| Total risk-based capital ratio | 15.8766% | 3,179 |
| Memoranda: | ||
| Average total assets | $130,318,330 | 3,875 |
| Average earning assets | $101,906,330 | 4,227 |
| Average equity | $14,184,000 | 3,974 |
| Average total loans | $93,845,670 | 3,522 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4814% | 1,562 |
| Cost of funding earning assets | 0.4050% | 3,010 |
| Net interest margin | 4.0764% | 1,408 |
| Noninterest income to average assets | 0.1704% | 5,472 |
| Noninterest expense to average assets | 2.7457% | 3,255 |
| Loan and lease loss provision to assets | 0.0465% | 2,987 |
| Net operating income to assets | 0.4277% | 4,913 |
| Return on assets (ROA) | 0.4277% | 4,989 |
| Pretax return on assets | 0.6849% | 4,573 |
| Return on Equity (ROE) | 3.9128% | 4,918 |
| Retained earnings to average equity (ytd only) | 3.9128% | 3,538 |
| Net charge-offs to loans | -0.0303% | 5,070 |
| Credit loss provision to net charge-offs | -214.2857% | 4,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9661% | 1,758 |
| Assets per employee ($millions) | 6.1868% | 1,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 3,423 |
| Loan loss allowance to noncurrent loans | 337.7246% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 4,575 |
| Noncurrent loans to loans | 0.3583% | 4,148 |
| Net loans and leases to total assets | 67.6671% | 2,698 |
| Net loans and leases to deposits | 84.2821% | 2,276 |
| Net loans and leases to core deposits | 85.3206% | 2,813 |
| Total domestic deposits to total assets | 80.2864% | 4,683 |
| Equity capital to assets | 10.4196% | 3,589 |
| Core capital (leverage) ratio | 9.5950% | 4,042 |
| Tier 1 risk-based capital ratio | 14.2983% | 3,498 |
| Total risk-based capital ratio | 15.4828% | 3,475 |
| Memoranda: | ||
| Average total assets | $129,075,000 | 3,926 |
| Average earning assets | $104,699,500 | 4,194 |
| Average equity | $14,107,500 | 3,995 |
| Average total loans | $92,398,000 | 3,564 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3353% | 2,104 |
| Cost of funding earning assets | 0.3872% | 3,294 |
| Net interest margin | 3.9481% | 1,879 |
| Noninterest income to average assets | 0.3249% | 4,569 |
| Noninterest expense to average assets | 2.8808% | 2,928 |
| Loan and lease loss provision to assets | 0.1300% | 1,841 |
| Net operating income to assets | 1.5890% | 722 |
| Return on assets (ROA) | 1.5890% | 747 |
| Pretax return on assets | 0.4860% | 5,140 |
| Return on Equity (ROE) | 14.4446% | 777 |
| Retained earnings to average equity (ytd only) | 14.4446% | 148 |
| Net charge-offs to loans | -0.0837% | 5,728 |
| Credit loss provision to net charge-offs | -220.5882% | 5,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3835% | 1,355 |
| Assets per employee ($millions) | 5.5473% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 3,437 |
| Loan loss allowance to noncurrent loans | 323.3918% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.2802% | 4,466 |
| Noncurrent loans to loans | 0.3735% | 4,107 |
| Net loans and leases to total assets | 74.1235% | 1,706 |
| Net loans and leases to deposits | 86.2519% | 2,098 |
| Net loans and leases to core deposits | 87.3564% | 2,666 |
| Total domestic deposits to total assets | 85.9383% | 2,670 |
| Equity capital to assets | 11.4986% | 2,361 |
| Core capital (leverage) ratio | 10.6607% | 2,759 |
| Tier 1 risk-based capital ratio | 15.1420% | 3,109 |
| Total risk-based capital ratio | 16.3928% | 3,041 |
| Memoranda: | ||
| Average total assets | $115,420,400 | 4,148 |
| Average earning assets | $92,727,400 | 4,456 |
| Average equity | $12,696,800 | 4,190 |
| Average total loans | $81,247,000 | 3,788 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4167% | 1,872 |
| Cost of funding earning assets | 0.3983% | 3,240 |
| Net interest margin | 4.0183% | 1,643 |
| Noninterest income to average assets | 0.3539% | 4,410 |
| Noninterest expense to average assets | 2.9170% | 2,795 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5344% | 4,660 |
| Return on assets (ROA) | 0.5344% | 4,757 |
| Pretax return on assets | 0.5344% | 5,138 |
| Return on Equity (ROE) | 4.9178% | 4,661 |
| Retained earnings to average equity (ytd only) | 4.9178% | 2,970 |
| Net charge-offs to loans | -0.1085% | 5,816 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5161% | 1,122 |
| Assets per employee ($millions) | 5.6056% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1021% | 4,218 |
| Loan loss allowance to noncurrent loans | 272.0000% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.8563% | 2,741 |
| Noncurrent loans to loans | 0.4052% | 4,156 |
| Net loans and leases to total assets | 69.2726% | 2,491 |
| Net loans and leases to deposits | 78.8629% | 3,005 |
| Net loans and leases to core deposits | 79.4681% | 3,469 |
| Total domestic deposits to total assets | 87.8393% | 1,640 |
| Equity capital to assets | 10.2584% | 3,864 |
| Core capital (leverage) ratio | 9.9790% | 3,660 |
| Tier 1 risk-based capital ratio | 14.3861% | 3,636 |
| Total risk-based capital ratio | 15.4668% | 3,652 |
| Memoranda: | ||
| Average total assets | $113,765,250 | 4,227 |
| Average earning assets | $87,695,750 | 4,594 |
| Average equity | $12,362,750 | 4,289 |
| Average total loans | $78,667,000 | 3,904 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2724% | 2,275 |
| Cost of funding earning assets | 0.3976% | 3,301 |
| Net interest margin | 3.8748% | 2,060 |
| Noninterest income to average assets | 0.3852% | 4,191 |
| Noninterest expense to average assets | 3.0331% | 2,454 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4015% | 5,128 |
| Return on assets (ROA) | 0.4015% | 5,237 |
| Pretax return on assets | 0.4015% | 5,461 |
| Return on Equity (ROE) | 3.6196% | 5,172 |
| Retained earnings to average equity (ytd only) | 3.6196% | 3,723 |
| Net charge-offs to loans | -0.0473% | 5,529 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3096% | 893 |
| Assets per employee ($millions) | 5.3613% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 4,297 |
| Loan loss allowance to noncurrent loans | 189.1441% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 1.0525% | 2,403 |
| Noncurrent loans to loans | 0.5840% | 3,704 |
| Net loans and leases to total assets | 72.0456% | 1,970 |
| Net loans and leases to deposits | 83.6442% | 2,357 |
| Net loans and leases to core deposits | 83.6442% | 3,019 |
| Total domestic deposits to total assets | 86.1334% | 2,618 |
| Equity capital to assets | 11.0226% | 2,863 |
| Core capital (leverage) ratio | 10.3434% | 3,155 |
| Tier 1 risk-based capital ratio | 15.2416% | 3,230 |
| Total risk-based capital ratio | 16.3521% | 3,242 |
| Memoranda: | ||
| Average total assets | $110,579,330 | 4,331 |
| Average earning assets | $87,024,000 | 4,652 |
| Average equity | $12,266,670 | 4,330 |
| Average total loans | $76,095,670 | 3,998 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0116% | 3,190 |
| Cost of funding earning assets | 0.3866% | 3,449 |
| Net interest margin | 3.6250% | 2,908 |
| Noninterest income to average assets | 0.4892% | 3,352 |
| Noninterest expense to average assets | 3.1138% | 2,228 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2847% | 5,464 |
| Return on assets (ROA) | 0.2847% | 5,559 |
| Pretax return on assets | 0.2847% | 5,678 |
| Return on Equity (ROE) | 2.5584% | 5,522 |
| Retained earnings to average equity (ytd only) | 2.5584% | 4,406 |
| Net charge-offs to loans | -0.0383% | 5,384 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6219% | 737 |
| Assets per employee ($millions) | 5.2731% | 2,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1883% | 4,046 |
| Loan loss allowance to noncurrent loans | 184.9174% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 1.0746% | 2,468 |
| Noncurrent loans to loans | 0.6426% | 3,665 |
| Net loans and leases to total assets | 67.2076% | 2,575 |
| Net loans and leases to deposits | 78.0754% | 2,792 |
| Net loans and leases to core deposits | 78.0754% | 3,370 |
| Total domestic deposits to total assets | 86.0804% | 2,898 |
| Equity capital to assets | 11.0605% | 2,909 |
| Core capital (leverage) ratio | 11.1483% | 2,267 |
| Tier 1 risk-based capital ratio | 15.8220% | 3,006 |
| Total risk-based capital ratio | 16.9759% | 2,985 |
| Memoranda: | ||
| Average total assets | $109,575,500 | 4,377 |
| Average earning assets | $87,944,000 | 4,675 |
| Average equity | $12,195,000 | 4,378 |
| Average total loans | $73,133,500 | 4,100 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3559% | 2,384 |
| Cost of funding earning assets | 0.4668% | 3,008 |
| Net interest margin | 3.8892% | 2,281 |
| Noninterest income to average assets | 0.4010% | 4,171 |
| Noninterest expense to average assets | 3.1645% | 2,312 |
| Loan and lease loss provision to assets | 0.3349% | 579 |
| Net operating income to assets | -0.1130% | 6,162 |
| Return on assets (ROA) | -0.3145% | 6,240 |
| Pretax return on assets | -0.3145% | 6,226 |
| Return on Equity (ROE) | -2.9467% | 6,246 |
| Retained earnings to average equity (ytd only) | -2.9467% | 6,087 |
| Net charge-offs to loans | 0.6423% | 605 |
| Credit loss provision to net charge-offs | 77.4118% | 2,915 |
| Earnings coverage of net charge-offs (x) | 0.5129% | 4,627 |
| Efficiency ratio | 93.4476% | 627 |
| Assets per employee ($millions) | 5.1626% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 3,713 |
| Loan loss allowance to noncurrent loans | 179.0323% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 1.8180% | 1,431 |
| Noncurrent loans to loans | 0.6991% | 3,588 |
| Net loans and leases to total assets | 64.6230% | 3,120 |
| Net loans and leases to deposits | 75.2834% | 3,279 |
| Net loans and leases to core deposits | 75.5016% | 3,763 |
| Total domestic deposits to total assets | 85.8396% | 2,920 |
| Equity capital to assets | 11.1996% | 2,696 |
| Core capital (leverage) ratio | 10.8079% | 2,605 |
| Tier 1 risk-based capital ratio | 17.3055% | 2,380 |
| Total risk-based capital ratio | 18.5561% | 2,340 |
| Memoranda: | ||
| Average total assets | $98,246,400 | 4,645 |
| Average earning assets | $75,414,400 | 5,008 |
| Average equity | $10,486,200 | 4,659 |
| Average total loans | $66,165,000 | 4,291 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6055% | 1,546 |
| Cost of funding earning assets | 0.4956% | 2,807 |
| Net interest margin | 4.1099% | 1,548 |
| Noninterest income to average assets | 0.4542% | 3,865 |
| Noninterest expense to average assets | 3.2126% | 2,136 |
| Loan and lease loss provision to assets | -0.1184% | 6,308 |
| Net operating income to assets | 0.3525% | 5,417 |
| Return on assets (ROA) | 0.1351% | 6,004 |
| Pretax return on assets | 0.1351% | 6,023 |
| Return on Equity (ROE) | 1.2840% | 5,988 |
| Retained earnings to average equity (ytd only) | 1.2840% | 5,381 |
| Net charge-offs to loans | 0.4186% | 946 |
| Credit loss provision to net charge-offs | -41.6667% | 5,325 |
| Earnings coverage of net charge-offs (x) | 0.8235% | 4,310 |
| Efficiency ratio | 93.2094% | 635 |
| Assets per employee ($millions) | 5.0873% | 2,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0463% | 5,010 |
| Loan loss allowance to noncurrent loans | 93.6658% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 2.0752% | 1,359 |
| Noncurrent loans to loans | 1.1171% | 2,828 |
| Net loans and leases to total assets | 61.5250% | 3,558 |
| Net loans and leases to deposits | 71.3585% | 3,755 |
| Net loans and leases to core deposits | 71.5667% | 4,197 |
| Total domestic deposits to total assets | 86.2196% | 2,743 |
| Equity capital to assets | 11.6949% | 2,315 |
| Core capital (leverage) ratio | 12.2870% | 1,522 |
| Tier 1 risk-based capital ratio | 17.3070% | 2,470 |
| Total risk-based capital ratio | 18.2620% | 2,569 |
| Memoranda: | ||
| Average total assets | $95,704,250 | 4,746 |
| Average earning assets | $69,683,250 | 5,183 |
| Average equity | $10,072,250 | 4,767 |
| Average total loans | $64,969,000 | 4,372 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6172% | 1,487 |
| Cost of funding earning assets | 0.5057% | 2,777 |
| Net interest margin | 4.1115% | 1,473 |
| Noninterest income to average assets | 0.3674% | 4,498 |
| Noninterest expense to average assets | 3.3176% | 1,877 |
| Loan and lease loss provision to assets | -0.1848% | 6,463 |
| Net operating income to assets | 0.3457% | 5,418 |
| Return on assets (ROA) | 0.1478% | 5,990 |
| Pretax return on assets | 0.1478% | 6,029 |
| Return on Equity (ROE) | 1.4679% | 5,958 |
| Retained earnings to average equity (ytd only) | 1.4679% | 5,155 |
| Net charge-offs to loans | -0.5180% | 6,517 |
| Credit loss provision to net charge-offs | 50.8982% | 2,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3750% | 590 |
| Assets per employee ($millions) | 4.7248% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6854% | 2,170 |
| Loan loss allowance to noncurrent loans | 86.8078% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 3.1039% | 818 |
| Noncurrent loans to loans | 1.9415% | 1,749 |
| Net loans and leases to total assets | 65.8067% | 2,780 |
| Net loans and leases to deposits | 77.4367% | 2,876 |
| Net loans and leases to core deposits | 77.6960% | 3,476 |
| Total domestic deposits to total assets | 84.9812% | 3,520 |
| Equity capital to assets | 11.6186% | 2,309 |
| Core capital (leverage) ratio | 11.3114% | 2,148 |
| Tier 1 risk-based capital ratio | 16.5113% | 2,823 |
| Total risk-based capital ratio | 17.7151% | 2,810 |
| Memoranda: | ||
| Average total assets | $91,994,670 | 4,878 |
| Average earning assets | $69,609,330 | 5,227 |
| Average equity | $9,265,000 | 4,970 |
| Average total loans | $64,484,000 | 4,411 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5928% | 1,527 |
| Cost of funding earning assets | 0.4971% | 2,934 |
| Net interest margin | 4.0956% | 1,464 |
| Noninterest income to average assets | 0.2380% | 5,456 |
| Noninterest expense to average assets | 3.3721% | 1,777 |
| Loan and lease loss provision to assets | -0.3747% | 6,640 |
| Net operating income to assets | 0.4364% | 4,990 |
| Return on assets (ROA) | 0.0353% | 6,175 |
| Pretax return on assets | 0.0353% | 6,171 |
| Return on Equity (ROE) | 0.3806% | 6,164 |
| Retained earnings to average equity (ytd only) | 0.3806% | 5,420 |
| Net charge-offs to loans | -0.9831% | 6,626 |
| Credit loss provision to net charge-offs | 53.1250% | 2,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2028% | 536 |
| Assets per employee ($millions) | 4.9444% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6350% | 2,560 |
| Loan loss allowance to noncurrent loans | 93.7168% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 3.0071% | 953 |
| Noncurrent loans to loans | 1.7446% | 2,216 |
| Net loans and leases to total assets | 67.8191% | 2,253 |
| Net loans and leases to deposits | 79.6838% | 2,340 |
| Net loans and leases to core deposits | 79.9508% | 2,970 |
| Total domestic deposits to total assets | 85.1103% | 3,818 |
| Equity capital to assets | 9.3950% | 4,638 |
| Core capital (leverage) ratio | 10.0688% | 3,472 |
| Tier 1 risk-based capital ratio | 13.2255% | 4,876 |
| Total risk-based capital ratio | 14.4400% | 4,835 |
| Memoranda: | ||
| Average total assets | $90,744,500 | 4,950 |
| Average earning assets | $70,807,000 | 5,256 |
| Average equity | $8,408,000 | 5,198 |
| Average total loans | $65,101,000 | 4,426 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3885% | 2,622 |
| Cost of funding earning assets | 0.6038% | 2,627 |
| Net interest margin | 3.7847% | 2,708 |
| Noninterest income to average assets | 0.2927% | 5,257 |
| Noninterest expense to average assets | 3.4308% | 1,812 |
| Loan and lease loss provision to assets | -0.1863% | 6,582 |
| Net operating income to assets | 0.1817% | 5,875 |
| Return on assets (ROA) | -0.1308% | 6,340 |
| Pretax return on assets | -0.1308% | 6,308 |
| Return on Equity (ROE) | -1.5297% | 6,354 |
| Retained earnings to average equity (ytd only) | -1.5297% | 6,129 |
| Net charge-offs to loans | 0.1037% | 3,791 |
| Credit loss provision to net charge-offs | -272.8814% | 6,040 |
| Earnings coverage of net charge-offs (x) | -0.0678% | 5,106 |
| Efficiency ratio | 100.1351% | 470 |
| Assets per employee ($millions) | 4.6076% | 2,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5039% | 3,163 |
| Loan loss allowance to noncurrent loans | 52.1186% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 3.2258% | 946 |
| Noncurrent loans to loans | 2.8855% | 1,215 |
| Net loans and leases to total assets | 73.6159% | 1,418 |
| Net loans and leases to deposits | 91.5544% | 1,104 |
| Net loans and leases to core deposits | 91.9017% | 1,804 |
| Total domestic deposits to total assets | 80.4066% | 5,344 |
| Equity capital to assets | 9.1267% | 4,895 |
| Core capital (leverage) ratio | 9.8990% | 3,704 |
| Tier 1 risk-based capital ratio | 12.7195% | 5,161 |
| Total risk-based capital ratio | 13.9717% | 5,106 |
| Memoranda: | ||
| Average total assets | $86,422,000 | 5,071 |
| Average earning assets | $71,551,200 | 5,268 |
| Average equity | $7,387,200 | 5,479 |
| Average total loans | $56,870,400 | 4,717 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3649% | 2,710 |
| Cost of funding earning assets | 0.6260% | 2,597 |
| Net interest margin | 3.7390% | 2,889 |
| Noninterest income to average assets | 0.3096% | 5,227 |
| Noninterest expense to average assets | 3.4021% | 1,821 |
| Loan and lease loss provision to assets | -0.2368% | 6,745 |
| Net operating income to assets | 0.2322% | 5,829 |
| Return on assets (ROA) | -0.1857% | 6,480 |
| Pretax return on assets | -0.1857% | 6,465 |
| Return on Equity (ROE) | -2.2110% | 6,494 |
| Retained earnings to average equity (ytd only) | -2.2110% | 6,290 |
| Net charge-offs to loans | 0.0463% | 4,247 |
| Credit loss provision to net charge-offs | -805.2632% | 6,146 |
| Earnings coverage of net charge-offs (x) | -0.1579% | 4,901 |
| Efficiency ratio | 100.1367% | 462 |
| Assets per employee ($millions) | 4.4256% | 3,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6903% | 2,655 |
| Loan loss allowance to noncurrent loans | 128.1988% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 2.0705% | 1,938 |
| Noncurrent loans to loans | 1.3185% | 3,212 |
| Net loans and leases to total assets | 71.3805% | 1,708 |
| Net loans and leases to deposits | 81.0547% | 2,260 |
| Net loans and leases to core deposits | 81.9086% | 2,883 |
| Total domestic deposits to total assets | 88.0646% | 2,092 |
| Equity capital to assets | 8.1072% | 6,071 |
| Core capital (leverage) ratio | 8.3620% | 5,897 |
| Tier 1 risk-based capital ratio | 12.0541% | 5,749 |
| Total risk-based capital ratio | 13.3087% | 5,683 |
| Memoranda: | ||
| Average total assets | $86,141,250 | 5,122 |
| Average earning assets | $71,141,000 | 5,333 |
| Average equity | $7,236,500 | 5,575 |
| Average total loans | $54,730,250 | 4,829 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3725% | 2,673 |
| Cost of funding earning assets | 0.6526% | 2,469 |
| Net interest margin | 3.7199% | 2,882 |
| Noninterest income to average assets | 0.3801% | 4,669 |
| Noninterest expense to average assets | 3.3722% | 1,884 |
| Loan and lease loss provision to assets | 0.0484% | 4,012 |
| Net operating income to assets | -0.0207% | 6,323 |
| Return on assets (ROA) | 0.1175% | 6,187 |
| Pretax return on assets | 0.1175% | 6,205 |
| Return on Equity (ROE) | 1.3828% | 6,126 |
| Retained earnings to average equity (ytd only) | 1.3828% | 5,331 |
| Net charge-offs to loans | 0.7335% | 886 |
| Credit loss provision to net charge-offs | 10.8808% | 3,886 |
| Earnings coverage of net charge-offs (x) | 0.0622% | 4,525 |
| Efficiency ratio | 99.1870% | 518 |
| Assets per employee ($millions) | 4.9557% | 2,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9453% | 1,981 |
| Loan loss allowance to noncurrent loans | 126.3158% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 3.0224% | 1,339 |
| Noncurrent loans to loans | 1.5400% | 2,993 |
| Net loans and leases to total assets | 58.3160% | 3,935 |
| Net loans and leases to deposits | 66.7475% | 4,179 |
| Net loans and leases to core deposits | 67.6318% | 4,540 |
| Total domestic deposits to total assets | 87.3680% | 2,606 |
| Equity capital to assets | 7.9146% | 6,257 |
| Core capital (leverage) ratio | 8.6120% | 5,540 |
| Tier 1 risk-based capital ratio | 13.0583% | 5,096 |
| Total risk-based capital ratio | 14.3145% | 5,038 |
| Memoranda: | ||
| Average total assets | $86,826,330 | 5,130 |
| Average earning assets | $70,485,330 | 5,377 |
| Average equity | $7,376,330 | 5,591 |
| Average total loans | $52,622,670 | 4,927 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6920% | 1,558 |
| Cost of funding earning assets | 0.6962% | 2,250 |
| Net interest margin | 3.9958% | 1,807 |
| Noninterest income to average assets | 0.4577% | 4,069 |
| Noninterest expense to average assets | 3.3957% | 1,842 |
| Loan and lease loss provision to assets | 0.0981% | 3,050 |
| Net operating income to assets | 0.0467% | 6,259 |
| Return on assets (ROA) | 0.0374% | 6,366 |
| Pretax return on assets | 0.0374% | 6,359 |
| Return on Equity (ROE) | 0.4247% | 6,342 |
| Retained earnings to average equity (ytd only) | 0.4247% | 5,651 |
| Net charge-offs to loans | 1.5723% | 335 |
| Credit loss provision to net charge-offs | 10.1942% | 3,141 |
| Earnings coverage of net charge-offs (x) | 0.1505% | 3,766 |
| Efficiency ratio | 95.9103% | 737 |
| Assets per employee ($millions) | 4.7768% | 2,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8754% | 2,378 |
| Loan loss allowance to noncurrent loans | 98.8361% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 3.3002% | 1,326 |
| Noncurrent loans to loans | 1.8975% | 2,742 |
| Net loans and leases to total assets | 65.6552% | 2,434 |
| Net loans and leases to deposits | 76.7070% | 2,522 |
| Net loans and leases to core deposits | 78.1301% | 3,046 |
| Total domestic deposits to total assets | 85.5922% | 3,742 |
| Equity capital to assets | 9.2900% | 5,146 |
| Core capital (leverage) ratio | 9.0259% | 4,844 |
| Tier 1 risk-based capital ratio | 12.7059% | 5,427 |
| Total risk-based capital ratio | 13.9666% | 5,368 |
| Memoranda: | ||
| Average total assets | $85,638,500 | 5,213 |
| Average earning assets | $66,069,500 | 5,542 |
| Average equity | $7,534,500 | 5,618 |
| Average total loans | $52,408,500 | 4,971 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1616% | 1,188 |
| Cost of funding earning assets | 0.8339% | 2,402 |
| Net interest margin | 4.3278% | 1,332 |
| Noninterest income to average assets | 0.1369% | 6,353 |
| Noninterest expense to average assets | 3.3323% | 2,249 |
| Loan and lease loss provision to assets | 0.4925% | 1,224 |
| Net operating income to assets | -0.5394% | 6,590 |
| Return on assets (ROA) | -0.3015% | 6,494 |
| Pretax return on assets | -0.3015% | 6,476 |
| Return on Equity (ROE) | -3.2913% | 6,513 |
| Retained earnings to average equity (ytd only) | -3.2913% | 6,288 |
| Net charge-offs to loans | 1.7405% | 472 |
| Credit loss provision to net charge-offs | 42.2245% | 4,887 |
| Earnings coverage of net charge-offs (x) | -0.0402% | 5,505 |
| Efficiency ratio | 101.4260% | 509 |
| Assets per employee ($millions) | 5.2983% | 1,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3850% | 1,257 |
| Loan loss allowance to noncurrent loans | 114.9952% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 4.5098% | 918 |
| Noncurrent loans to loans | 2.0740% | 2,611 |
| Net loans and leases to total assets | 54.7102% | 4,507 |
| Net loans and leases to deposits | 62.8546% | 4,674 |
| Net loans and leases to core deposits | 64.7279% | 4,873 |
| Total domestic deposits to total assets | 87.0424% | 2,827 |
| Equity capital to assets | 8.3545% | 6,157 |
| Core capital (leverage) ratio | 8.8290% | 5,132 |
| Tier 1 risk-based capital ratio | 13.7401% | 4,574 |
| Total risk-based capital ratio | 15.0138% | 4,507 |
| Memoranda: | ||
| Average total assets | $83,246,800 | 5,265 |
| Average earning assets | $60,562,400 | 5,725 |
| Average equity | $7,626,200 | 5,606 |
| Average total loans | $55,788,400 | 4,874 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2567% | 1,087 |
| Cost of funding earning assets | 0.8255% | 2,736 |
| Net interest margin | 4.4312% | 1,138 |
| Noninterest income to average assets | 0.1243% | 6,513 |
| Noninterest expense to average assets | 3.4158% | 1,966 |
| Loan and lease loss provision to assets | 0.5756% | 997 |
| Net operating income to assets | -0.5756% | 6,728 |
| Return on assets (ROA) | -0.4170% | 6,699 |
| Pretax return on assets | -0.4170% | 6,664 |
| Return on Equity (ROE) | -4.4434% | 6,699 |
| Retained earnings to average equity (ytd only) | -4.4434% | 6,584 |
| Net charge-offs to loans | 1.9562% | 379 |
| Credit loss provision to net charge-offs | 42.0048% | 4,574 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 5,332 |
| Efficiency ratio | 100.0000% | 533 |
| Assets per employee ($millions) | 4.7555% | 2,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3857% | 1,388 |
| Loan loss allowance to noncurrent loans | 68.4323% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 5.2137% | 835 |
| Noncurrent loans to loans | 3.4863% | 1,553 |
| Net loans and leases to total assets | 64.7308% | 2,890 |
| Net loans and leases to deposits | 75.8508% | 3,004 |
| Net loans and leases to core deposits | 77.2653% | 3,576 |
| Total domestic deposits to total assets | 85.3397% | 3,597 |
| Equity capital to assets | 9.4305% | 5,285 |
| Core capital (leverage) ratio | 9.0274% | 5,022 |
| Tier 1 risk-based capital ratio | 13.7711% | 4,709 |
| Total risk-based capital ratio | 15.0607% | 4,640 |
| Memoranda: | ||
| Average total assets | $81,540,750 | 5,363 |
| Average earning assets | $60,569,000 | 5,786 |
| Average equity | $7,651,500 | 5,658 |
| Average total loans | $57,115,000 | 4,882 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2490% | 1,145 |
| Cost of funding earning assets | 0.8055% | 3,143 |
| Net interest margin | 4.4435% | 1,093 |
| Noninterest income to average assets | 0.1370% | 6,504 |
| Noninterest expense to average assets | 3.3703% | 2,100 |
| Loan and lease loss provision to assets | 0.8193% | 604 |
| Net operating income to assets | -0.7337% | 6,829 |
| Return on assets (ROA) | -0.6677% | 6,841 |
| Pretax return on assets | -0.6677% | 6,810 |
| Return on Equity (ROE) | -7.1273% | 6,835 |
| Retained earnings to average equity (ytd only) | -7.1273% | 6,725 |
| Net charge-offs to loans | 1.5716% | 607 |
| Credit loss provision to net charge-offs | 73.1441% | 3,494 |
| Earnings coverage of net charge-offs (x) | 0.0764% | 5,042 |
| Efficiency ratio | 97.5230% | 639 |
| Assets per employee ($millions) | 5.0307% | 2,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8215% | 924 |
| Loan loss allowance to noncurrent loans | 46.1495% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 4.4204% | 1,123 |
| Noncurrent loans to loans | 6.1137% | 711 |
| Net loans and leases to total assets | 70.2625% | 1,873 |
| Net loans and leases to deposits | 82.2104% | 2,088 |
| Net loans and leases to core deposits | 83.7442% | 2,724 |
| Total domestic deposits to total assets | 85.4667% | 3,628 |
| Equity capital to assets | 9.4060% | 5,188 |
| Core capital (leverage) ratio | 8.7829% | 5,245 |
| Tier 1 risk-based capital ratio | 13.5771% | 4,766 |
| Total risk-based capital ratio | 14.8488% | 4,711 |
| Memoranda: | ||
| Average total assets | $81,773,000 | 5,388 |
| Average earning assets | $61,078,000 | 5,800 |
| Average equity | $7,660,670 | 5,667 |
| Average total loans | $58,283,330 | 4,864 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2167% | 1,277 |
| Cost of funding earning assets | 0.7809% | 3,624 |
| Net interest margin | 4.4359% | 1,151 |
| Noninterest income to average assets | 0.0971% | 6,758 |
| Noninterest expense to average assets | 3.3587% | 2,116 |
| Loan and lease loss provision to assets | 0.0049% | 5,214 |
| Net operating income to assets | 0.0146% | 6,392 |
| Return on assets (ROA) | 0.0146% | 6,500 |
| Pretax return on assets | 0.0146% | 6,506 |
| Return on Equity (ROE) | 0.1557% | 6,497 |
| Retained earnings to average equity (ytd only) | 0.1557% | 5,932 |
| Net charge-offs to loans | -0.1166% | 6,841 |
| Credit loss provision to net charge-offs | -5.8824% | 5,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4253% | 573 |
| Assets per employee ($millions) | 5.0852% | 2,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0376% | 807 |
| Loan loss allowance to noncurrent loans | 39.9418% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 5.4865% | 895 |
| Noncurrent loans to loans | 7.6050% | 544 |
| Net loans and leases to total assets | 69.9519% | 1,763 |
| Net loans and leases to deposits | 84.9592% | 1,541 |
| Net loans and leases to core deposits | 86.5838% | 2,221 |
| Total domestic deposits to total assets | 82.3360% | 5,181 |
| Equity capital to assets | 9.5486% | 4,726 |
| Core capital (leverage) ratio | 9.5071% | 4,037 |
| Tier 1 risk-based capital ratio | 13.9955% | 4,477 |
| Total risk-based capital ratio | 15.2697% | 4,422 |
| Memoranda: | ||
| Average total assets | $82,414,000 | 5,404 |
| Average earning assets | $60,957,500 | 5,842 |
| Average equity | $7,705,500 | 5,683 |
| Average total loans | $58,326,500 | 4,888 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5599% | 1,037 |
| Cost of funding earning assets | 0.7259% | 5,369 |
| Net interest margin | 4.8339% | 582 |
| Noninterest income to average assets | 0.1352% | 6,476 |
| Noninterest expense to average assets | 4.0035% | 1,033 |
| Loan and lease loss provision to assets | 0.2254% | 3,949 |
| Net operating income to assets | 0.0056% | 6,026 |
| Return on assets (ROA) | 0.0592% | 6,060 |
| Pretax return on assets | 0.0592% | 6,037 |
| Return on Equity (ROE) | 0.5746% | 6,042 |
| Retained earnings to average equity (ytd only) | 0.5746% | 5,574 |
| Net charge-offs to loans | 1.3652% | 1,207 |
| Credit loss provision to net charge-offs | 21.0250% | 5,906 |
| Earnings coverage of net charge-offs (x) | 0.2155% | 5,670 |
| Efficiency ratio | 94.5442% | 890 |
| Assets per employee ($millions) | 5.2166% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0455% | 780 |
| Loan loss allowance to noncurrent loans | 49.9010% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 4.2377% | 1,323 |
| Noncurrent loans to loans | 6.1030% | 801 |
| Net loans and leases to total assets | 67.3216% | 2,513 |
| Net loans and leases to deposits | 82.9728% | 2,070 |
| Net loans and leases to core deposits | 84.2214% | 2,864 |
| Total domestic deposits to total assets | 81.1370% | 5,412 |
| Equity capital to assets | 9.1559% | 5,347 |
| Core capital (leverage) ratio | 9.6910% | 3,755 |
| Tier 1 risk-based capital ratio | 13.8563% | 4,432 |
| Total risk-based capital ratio | 15.1302% | 4,372 |
| Memoranda: | ||
| Average total assets | $70,988,200 | 5,718 |
| Average earning assets | $60,199,400 | 5,859 |
| Average equity | $7,309,000 | 5,774 |
| Average total loans | $55,743,800 | 5,038 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6130% | 1,009 |
| Cost of funding earning assets | 0.7216% | 5,645 |
| Net interest margin | 4.8914% | 519 |
| Noninterest income to average assets | 0.1414% | 6,540 |
| Noninterest expense to average assets | 4.2002% | 793 |
| Loan and lease loss provision to assets | 0.2652% | 3,388 |
| Net operating income to assets | 0.0039% | 6,150 |
| Return on assets (ROA) | 0.0786% | 6,128 |
| Pretax return on assets | 0.0786% | 6,129 |
| Return on Equity (ROE) | 0.7381% | 6,119 |
| Retained earnings to average equity (ytd only) | 0.7381% | 5,719 |
| Net charge-offs to loans | 1.8964% | 690 |
| Credit loss provision to net charge-offs | 17.1975% | 5,598 |
| Earnings coverage of net charge-offs (x) | 0.1745% | 5,472 |
| Efficiency ratio | 93.9780% | 918 |
| Assets per employee ($millions) | 4.5097% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1841% | 735 |
| Loan loss allowance to noncurrent loans | 58.5666% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 4.0607% | 1,507 |
| Noncurrent loans to loans | 5.4367% | 1,096 |
| Net loans and leases to total assets | 72.3124% | 1,643 |
| Net loans and leases to deposits | 94.2248% | 816 |
| Net loans and leases to core deposits | 95.0955% | 1,686 |
| Total domestic deposits to total assets | 76.7445% | 6,415 |
| Equity capital to assets | 10.5648% | 3,625 |
| Core capital (leverage) ratio | 10.6674% | 2,693 |
| Tier 1 risk-based capital ratio | 14.3738% | 4,071 |
| Total risk-based capital ratio | 15.6492% | 4,020 |
| Memoranda: | ||
| Average total assets | $67,869,000 | 5,843 |
| Average earning assets | $60,049,250 | 5,905 |
| Average equity | $7,225,750 | 5,839 |
| Average total loans | $55,191,000 | 5,105 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6610% | 942 |
| Cost of funding earning assets | 0.7224% | 5,821 |
| Net interest margin | 4.9386% | 446 |
| Noninterest income to average assets | 0.1234% | 6,713 |
| Noninterest expense to average assets | 4.4280% | 649 |
| Loan and lease loss provision to assets | 0.2408% | 3,500 |
| Net operating income to assets | -0.0181% | 6,252 |
| Return on assets (ROA) | 0.1084% | 6,077 |
| Pretax return on assets | 0.1084% | 6,092 |
| Return on Equity (ROE) | 1.0150% | 6,083 |
| Retained earnings to average equity (ytd only) | 1.0150% | 5,457 |
| Net charge-offs to loans | 0.3128% | 3,310 |
| Credit loss provision to net charge-offs | 91.9540% | 3,403 |
| Earnings coverage of net charge-offs (x) | 0.8506% | 4,660 |
| Efficiency ratio | 95.2104% | 914 |
| Assets per employee ($millions) | 4.2649% | 3,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4198% | 296 |
| Loan loss allowance to noncurrent loans | 64.7366% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 5.3401% | 1,125 |
| Noncurrent loans to loans | 6.8273% | 776 |
| Net loans and leases to total assets | 74.7604% | 1,272 |
| Net loans and leases to deposits | 92.0201% | 1,059 |
| Net loans and leases to core deposits | 93.5952% | 1,947 |
| Total domestic deposits to total assets | 81.2436% | 5,450 |
| Equity capital to assets | 11.2034% | 2,766 |
| Core capital (leverage) ratio | 11.4532% | 1,943 |
| Tier 1 risk-based capital ratio | 14.2255% | 3,995 |
| Total risk-based capital ratio | 15.5137% | 3,943 |
| Memoranda: | ||
| Average total assets | $66,440,330 | 5,946 |
| Average earning assets | $60,908,330 | 5,922 |
| Average equity | $7,093,330 | 5,896 |
| Average total loans | $55,623,670 | 5,142 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6533% | 969 |
| Cost of funding earning assets | 0.7482% | 5,867 |
| Net interest margin | 4.9051% | 455 |
| Noninterest income to average assets | 0.1282% | 6,779 |
| Noninterest expense to average assets | 4.6566% | 507 |
| Loan and lease loss provision to assets | 0.0488% | 5,389 |
| Net operating income to assets | 0.1038% | 6,087 |
| Return on assets (ROA) | 0.1038% | 6,140 |
| Pretax return on assets | 0.1038% | 6,161 |
| Return on Equity (ROE) | 0.9974% | 6,132 |
| Retained earnings to average equity (ytd only) | 0.9974% | 5,427 |
| Net charge-offs to loans | -0.2256% | 7,283 |
| Credit loss provision to net charge-offs | -25.0000% | 5,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8274% | 883 |
| Assets per employee ($millions) | 4.1785% | 3,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4348% | 300 |
| Loan loss allowance to noncurrent loans | 61.6765% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 5.8349% | 1,010 |
| Noncurrent loans to loans | 7.1904% | 751 |
| Net loans and leases to total assets | 77.5503% | 791 |
| Net loans and leases to deposits | 90.4156% | 1,186 |
| Net loans and leases to core deposits | 108.9887% | 787 |
| Total domestic deposits to total assets | 85.7709% | 3,655 |
| Equity capital to assets | 10.9130% | 2,766 |
| Core capital (leverage) ratio | 11.1705% | 2,050 |
| Tier 1 risk-based capital ratio | 13.3845% | 4,517 |
| Total risk-based capital ratio | 14.6740% | 4,460 |
| Memoranda: | ||
| Average total assets | $65,541,500 | 6,009 |
| Average earning assets | $62,547,500 | 5,913 |
| Average equity | $6,817,500 | 5,982 |
| Average total loans | $56,748,500 | 5,144 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1180% | 4,015 |
| Cost of funding earning assets | 0.9881% | 5,748 |
| Net interest margin | 4.1299% | 2,449 |
| Noninterest income to average assets | 0.1345% | 6,719 |
| Noninterest expense to average assets | 4.3111% | 802 |
| Loan and lease loss provision to assets | 3.5373% | 219 |
| Net operating income to assets | -3.7171% | 7,405 |
| Return on assets (ROA) | -3.5693% | 7,399 |
| Pretax return on assets | -3.5693% | 7,380 |
| Return on Equity (ROE) | -38.3888% | 7,329 |
| Retained earnings to average equity (ytd only) | -38.3888% | 7,321 |
| Net charge-offs to loans | 4.3376% | 264 |
| Credit loss provision to net charge-offs | 95.9191% | 4,847 |
| Earnings coverage of net charge-offs (x) | -0.0488% | 6,171 |
| Efficiency ratio | 104.3520% | 661 |
| Assets per employee ($millions) | 4.2818% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9937% | 405 |
| Loan loss allowance to noncurrent loans | 40.1289% | 5,626 |
| Noncurrent assets plus other real estate owned to assets | 9.1799% | 485 |
| Noncurrent loans to loans | 9.9521% | 430 |
| Net loans and leases to total assets | 88.5578% | 86 |
| Net loans and leases to deposits | 98.7105% | 663 |
| Net loans and leases to core deposits | 128.0430% | 358 |
| Total domestic deposits to total assets | 89.7146% | 1,261 |
| Equity capital to assets | 9.8697% | 3,911 |
| Core capital (leverage) ratio | 9.3839% | 3,873 |
| Tier 1 risk-based capital ratio | 10.7429% | 6,535 |
| Total risk-based capital ratio | 12.0263% | 6,475 |
| Memoranda: | ||
| Average total assets | $75,085,000 | 5,738 |
| Average earning assets | $72,664,800 | 5,576 |
| Average equity | $6,981,200 | 6,040 |
| Average total loans | $63,837,600 | 4,919 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1511% | 4,073 |
| Cost of funding earning assets | 1.0093% | 5,898 |
| Net interest margin | 4.1417% | 2,443 |
| Noninterest income to average assets | 0.1337% | 6,890 |
| Noninterest expense to average assets | 4.1370% | 892 |
| Loan and lease loss provision to assets | 3.7240% | 178 |
| Net operating income to assets | -3.7189% | 7,545 |
| Return on assets (ROA) | -3.5286% | 7,535 |
| Pretax return on assets | -3.5286% | 7,500 |
| Return on Equity (ROE) | -38.4396% | 7,476 |
| Retained earnings to average equity (ytd only) | -38.4396% | 7,474 |
| Net charge-offs to loans | 3.0118% | 511 |
| Credit loss provision to net charge-offs | 148.0245% | 2,648 |
| Earnings coverage of net charge-offs (x) | 0.0020% | 6,028 |
| Efficiency ratio | 99.8759% | 743 |
| Assets per employee ($millions) | 5.0105% | 2,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1007% | 161 |
| Loan loss allowance to noncurrent loans | 69.0822% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 6.1325% | 965 |
| Noncurrent loans to loans | 7.3835% | 733 |
| Net loans and leases to total assets | 78.8203% | 916 |
| Net loans and leases to deposits | 86.0857% | 2,325 |
| Net loans and leases to core deposits | 116.6512% | 730 |
| Total domestic deposits to total assets | 91.5603% | 292 |
| Equity capital to assets | 8.1310% | 6,690 |
| Core capital (leverage) ratio | 8.3493% | 5,791 |
| Tier 1 risk-based capital ratio | 9.7250% | 7,176 |
| Total risk-based capital ratio | 11.0220% | 7,155 |
| Memoranda: | ||
| Average total assets | $77,799,500 | 5,723 |
| Average earning assets | $75,296,500 | 5,565 |
| Average equity | $7,141,750 | 6,064 |
| Average total loans | $64,986,000 | 4,946 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1854% | 4,025 |
| Cost of funding earning assets | 1.0534% | 5,904 |
| Net interest margin | 4.1320% | 2,420 |
| Noninterest income to average assets | 0.1373% | 6,899 |
| Noninterest expense to average assets | 4.3594% | 673 |
| Loan and lease loss provision to assets | 5.5236% | 85 |
| Net operating income to assets | -5.7473% | 7,727 |
| Return on assets (ROA) | -5.4652% | 7,716 |
| Pretax return on assets | -5.4652% | 7,700 |
| Return on Equity (ROE) | -57.4457% | 7,646 |
| Retained earnings to average equity (ytd only) | -57.4457% | 7,643 |
| Net charge-offs to loans | 4.4593% | 262 |
| Credit loss provision to net charge-offs | 148.0245% | 2,666 |
| Earnings coverage of net charge-offs (x) | -0.0599% | 5,769 |
| Efficiency ratio | 105.4087% | 641 |
| Assets per employee ($millions) | 5.3436% | 1,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9826% | 174 |
| Loan loss allowance to noncurrent loans | 67.6583% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 6.2906% | 915 |
| Noncurrent loans to loans | 7.3644% | 736 |
| Net loans and leases to total assets | 81.1629% | 648 |
| Net loans and leases to deposits | 88.5890% | 2,079 |
| Net loans and leases to core deposits | 120.0079% | 692 |
| Total domestic deposits to total assets | 91.6174% | 309 |
| Equity capital to assets | 8.0537% | 6,694 |
| Core capital (leverage) ratio | 7.7160% | 6,590 |
| Tier 1 risk-based capital ratio | 9.3650% | 7,315 |
| Total risk-based capital ratio | 10.6614% | 7,300 |
| Memoranda: | ||
| Average total assets | $78,680,330 | 5,738 |
| Average earning assets | $76,137,000 | 5,572 |
| Average equity | $7,485,330 | 5,974 |
| Average total loans | $65,840,330 | 4,947 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1529% | 4,281 |
| Cost of funding earning assets | 1.0951% | 5,934 |
| Net interest margin | 4.0579% | 2,620 |
| Noninterest income to average assets | 0.1240% | 7,064 |
| Noninterest expense to average assets | 4.5301% | 567 |
| Loan and lease loss provision to assets | 0.2183% | 4,315 |
| Net operating income to assets | -0.6897% | 6,952 |
| Return on assets (ROA) | -0.6897% | 6,977 |
| Pretax return on assets | -0.6897% | 6,894 |
| Return on Equity (ROE) | -6.7677% | 6,975 |
| Retained earnings to average equity (ytd only) | -6.7677% | 6,714 |
| Net charge-offs to loans | 1.6105% | 1,082 |
| Credit loss provision to net charge-offs | 16.3569% | 4,983 |
| Earnings coverage of net charge-offs (x) | -0.3532% | 5,231 |
| Efficiency ratio | 111.6137% | 568 |
| Assets per employee ($millions) | 4.6049% | 2,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4019% | 582 |
| Loan loss allowance to noncurrent loans | 43.7245% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 6.5851% | 862 |
| Noncurrent loans to loans | 7.7803% | 715 |
| Net loans and leases to total assets | 81.7585% | 621 |
| Net loans and leases to deposits | 103.3223% | 572 |
| Net loans and leases to core deposits | 135.8932% | 383 |
| Total domestic deposits to total assets | 79.1296% | 6,043 |
| Equity capital to assets | 10.4403% | 3,307 |
| Core capital (leverage) ratio | 9.7985% | 3,401 |
| Tier 1 risk-based capital ratio | 11.4726% | 5,700 |
| Total risk-based capital ratio | 12.7396% | 5,669 |
| Memoranda: | ||
| Average total assets | $80,615,500 | 5,749 |
| Average earning assets | $78,169,000 | 5,569 |
| Average equity | $8,215,500 | 5,762 |
| Average total loans | $66,809,500 | 4,977 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2456% | 5,435 |
| Cost of funding earning assets | 1.9331% | 3,282 |
| Net interest margin | 3.3125% | 5,694 |
| Noninterest income to average assets | 0.0895% | 7,313 |
| Noninterest expense to average assets | 3.4827% | 2,412 |
| Loan and lease loss provision to assets | 2.7714% | 660 |
| Net operating income to assets | -2.9934% | 7,386 |
| Return on assets (ROA) | -2.9934% | 7,403 |
| Pretax return on assets | -2.9934% | 7,288 |
| Return on Equity (ROE) | -28.1602% | 7,366 |
| Retained earnings to average equity (ytd only) | -28.1602% | 7,348 |
| Net charge-offs to loans | 1.4125% | 1,776 |
| Credit loss provision to net charge-offs | 249.1853% | 1,423 |
| Earnings coverage of net charge-offs (x) | -0.1996% | 6,439 |
| Efficiency ratio | 106.8079% | 884 |
| Assets per employee ($millions) | 4.8793% | 2,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6801% | 454 |
| Loan loss allowance to noncurrent loans | 90.6399% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 3.2972% | 2,078 |
| Noncurrent loans to loans | 4.0602% | 1,823 |
| Net loans and leases to total assets | 78.2213% | 1,332 |
| Net loans and leases to deposits | 97.5494% | 1,153 |
| Net loans and leases to core deposits | 126.8733% | 1,456 |
| Total domestic deposits to total assets | 80.1864% | 5,617 |
| Equity capital to assets | 9.9556% | 3,822 |
| Core capital (leverage) ratio | 9.7281% | 3,413 |
| Tier 1 risk-based capital ratio | 11.5685% | 5,329 |
| Total risk-based capital ratio | 12.8462% | 5,258 |
| Memoranda: | ||
| Average total assets | $88,294,800 | 5,437 |
| Average earning assets | $84,528,600 | 5,317 |
| Average equity | $9,385,600 | 5,481 |
| Average total loans | $69,520,400 | 4,880 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1698% | 6,011 |
| Cost of funding earning assets | 2.1493% | 2,651 |
| Net interest margin | 3.0205% | 6,548 |
| Noninterest income to average assets | 0.0803% | 7,501 |
| Noninterest expense to average assets | 3.6147% | 2,002 |
| Loan and lease loss provision to assets | 3.0256% | 481 |
| Net operating income to assets | -3.6772% | 7,712 |
| Return on assets (ROA) | -3.6772% | 7,710 |
| Pretax return on assets | -3.6772% | 7,636 |
| Return on Equity (ROE) | -34.0928% | 7,686 |
| Retained earnings to average equity (ytd only) | -34.0928% | 7,678 |
| Net charge-offs to loans | 1.5834% | 1,291 |
| Credit loss provision to net charge-offs | 244.4712% | 1,776 |
| Earnings coverage of net charge-offs (x) | -0.5264% | 6,482 |
| Efficiency ratio | 121.9880% | 561 |
| Assets per employee ($millions) | 6.4039% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2579% | 525 |
| Loan loss allowance to noncurrent loans | 38.9318% | 5,763 |
| Noncurrent assets plus other real estate owned to assets | 6.3488% | 809 |
| Noncurrent loans to loans | 8.3683% | 557 |
| Net loans and leases to total assets | 73.3958% | 2,690 |
| Net loans and leases to deposits | 81.3628% | 4,142 |
| Net loans and leases to core deposits | 95.0732% | 4,922 |
| Total domestic deposits to total assets | 90.2080% | 696 |
| Equity capital to assets | 9.4295% | 4,840 |
| Core capital (leverage) ratio | 9.3562% | 4,104 |
| Tier 1 risk-based capital ratio | 11.8404% | 5,113 |
| Total risk-based capital ratio | 13.1135% | 5,033 |
| Memoranda: | ||
| Average total assets | $89,631,500 | 5,434 |
| Average earning assets | $85,546,500 | 5,315 |
| Average equity | $9,667,500 | 5,441 |
| Average total loans | $70,060,000 | 4,908 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2405% | 5,916 |
| Cost of funding earning assets | 2.3383% | 2,209 |
| Net interest margin | 2.9022% | 6,802 |
| Noninterest income to average assets | 0.0669% | 7,650 |
| Noninterest expense to average assets | 3.7066% | 1,829 |
| Loan and lease loss provision to assets | 3.4076% | 424 |
| Net operating income to assets | -4.3024% | 7,869 |
| Return on assets (ROA) | -4.3024% | 7,862 |
| Pretax return on assets | -4.3024% | 7,779 |
| Return on Equity (ROE) | -38.2844% | 7,829 |
| Retained earnings to average equity (ytd only) | -38.2844% | 7,813 |
| Net charge-offs to loans | 3.7065% | 403 |
| Credit loss provision to net charge-offs | 116.4760% | 3,982 |
| Earnings coverage of net charge-offs (x) | -0.3059% | 5,958 |
| Efficiency ratio | 131.8254% | 509 |
| Assets per employee ($millions) | 5.9801% | 1,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7984% | 2,048 |
| Loan loss allowance to noncurrent loans | 44.6461% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 3.0713% | 2,053 |
| Noncurrent loans to loans | 4.0281% | 1,678 |
| Net loans and leases to total assets | 74.8757% | 2,473 |
| Net loans and leases to deposits | 89.2499% | 2,944 |
| Net loans and leases to core deposits | 107.5036% | 3,663 |
| Total domestic deposits to total assets | 83.8945% | 3,826 |
| Equity capital to assets | 9.9552% | 4,009 |
| Core capital (leverage) ratio | 9.4036% | 4,022 |
| Tier 1 risk-based capital ratio | 12.4132% | 4,589 |
| Total risk-based capital ratio | 13.6613% | 4,518 |
| Memoranda: | ||
| Average total assets | $89,623,670 | 5,475 |
| Average earning assets | $84,763,670 | 5,386 |
| Average equity | $10,072,000 | 5,344 |
| Average total loans | $70,740,330 | 4,927 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3669% | 5,589 |
| Cost of funding earning assets | 2.3286% | 2,584 |
| Net interest margin | 3.0383% | 6,379 |
| Noninterest income to average assets | 0.0580% | 7,786 |
| Noninterest expense to average assets | 3.1077% | 3,346 |
| Loan and lease loss provision to assets | 1.7548% | 710 |
| Net operating income to assets | -1.8798% | 7,626 |
| Return on assets (ROA) | -1.8798% | 7,628 |
| Pretax return on assets | -1.8798% | 7,499 |
| Return on Equity (ROE) | -15.8226% | 7,642 |
| Retained earnings to average equity (ytd only) | -15.8226% | 7,484 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1916% | 978 |
| Assets per employee ($millions) | 5.9311% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9520% | 1,524 |
| Loan loss allowance to noncurrent loans | 237.6689% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.6654% | 5,503 |
| Noncurrent loans to loans | 0.8213% | 5,393 |
| Net loans and leases to total assets | 79.4393% | 1,488 |
| Net loans and leases to deposits | 96.5637% | 1,861 |
| Net loans and leases to core deposits | 110.5750% | 3,359 |
| Total domestic deposits to total assets | 82.2663% | 4,445 |
| Equity capital to assets | 11.7056% | 2,445 |
| Core capital (leverage) ratio | 11.5530% | 2,116 |
| Tier 1 risk-based capital ratio | 13.9566% | 3,617 |
| Total risk-based capital ratio | 15.2142% | 3,536 |
| Memoranda: | ||
| Average total assets | $89,584,500 | 5,502 |
| Average earning assets | $86,231,500 | 5,347 |
| Average equity | $10,643,000 | 5,202 |
| Average total loans | $71,913,000 | 4,913 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9723% | 5,684 |
| Cost of funding earning assets | 2.3906% | 4,757 |
| Net interest margin | 3.5818% | 4,968 |
| Noninterest income to average assets | 0.0513% | 7,883 |
| Noninterest expense to average assets | 4.0451% | 1,352 |
| Loan and lease loss provision to assets | 0.5076% | 2,778 |
| Net operating income to assets | -1.0336% | 7,265 |
| Return on assets (ROA) | -1.0336% | 7,185 |
| Pretax return on assets | -1.0336% | 7,015 |
| Return on Equity (ROE) | -6.9756% | 7,047 |
| Retained earnings to average equity (ytd only) | -6.9756% | 6,783 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.9477% | 626 |
| Assets per employee ($millions) | 6.0135% | 1,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4133% | 3,116 |
| Loan loss allowance to noncurrent loans | 417.2840% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.2694% | 6,498 |
| Noncurrent loans to loans | 0.3387% | 6,359 |
| Net loans and leases to total assets | 78.4131% | 2,021 |
| Net loans and leases to deposits | 95.5166% | 2,522 |
| Net loans and leases to core deposits | 106.4200% | 4,147 |
| Total domestic deposits to total assets | 82.0937% | 4,162 |
| Equity capital to assets | 12.0528% | 2,260 |
| Core capital (leverage) ratio | 12.2479% | 1,863 |
| Tier 1 risk-based capital ratio | 13.8944% | 3,593 |
| Total risk-based capital ratio | 15.1454% | 3,521 |
| Memoranda: | ||
| Average total assets | $76,042,000 | 5,832 |
| Average earning assets | $73,623,000 | 5,681 |
| Average equity | $11,267,800 | 5,046 |
| Average total loans | $61,870,200 | 5,184 |