Home > Freedom Bank > Performance and Condition Ratios
Freedom Bank, Performance and Condition Ratios
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4156% | 2,169 |
| Cost of funding earning assets | 0.6641% | 2,599 |
| Net interest margin | 3.7515% | 1,985 |
| Noninterest income to average assets | 0.8400% | 1,315 |
| Noninterest expense to average assets | 2.5524% | 2,819 |
| Loan and lease loss provision to assets | 0.2103% | 1,963 |
| Net operating income to assets | 1.2689% | 1,439 |
| Return on assets (ROA) | 1.2689% | 1,561 |
| Pretax return on assets | 1.6407% | 1,126 |
| Return on Equity (ROE) | 14.8668% | 731 |
| Retained earnings to average equity (ytd only) | 14.8668% | 227 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9651% | 3,687 |
| Assets per employee ($millions) | 9.3382% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0745% | 3,207 |
| Loan loss allowance to noncurrent loans | 441.2385% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.1935% | 3,562 |
| Noncurrent loans to loans | 0.2435% | 3,510 |
| Net loans and leases to total assets | 78.6155% | 767 |
| Net loans and leases to deposits | 85.9209% | 1,773 |
| Net loans and leases to core deposits | 94.7982% | 1,684 |
| Total domestic deposits to total assets | 91.4976% | 86 |
| Equity capital to assets | 8.0435% | 4,696 |
| Core capital (leverage) ratio | 8.1996% | 4,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0285% | 2,958 |
| Memoranda: | ||
| Average total assets | $356,682,667 | 1,975 |
| Average earning assets | $338,801,667 | 1,949 |
| Average equity | $30,443,667 | 2,441 |
| Average total loans | $279,970,667 | 1,748 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7795% | 1,471 |
| Cost of funding earning assets | 0.7982% | 2,407 |
| Net interest margin | 3.9812% | 1,435 |
| Noninterest income to average assets | 1.5284% | 383 |
| Noninterest expense to average assets | 3.1465% | 1,532 |
| Loan and lease loss provision to assets | 0.0885% | 2,578 |
| Net operating income to assets | 1.5673% | 666 |
| Return on assets (ROA) | 1.5673% | 735 |
| Pretax return on assets | 2.0666% | 393 |
| Return on Equity (ROE) | 17.7706% | 289 |
| Retained earnings to average equity (ytd only) | 17.7706% | 93 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3500% | 3,822 |
| Assets per employee ($millions) | 7.0608% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 2,809 |
| Loan loss allowance to noncurrent loans | 401.7128% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.2239% | 3,574 |
| Noncurrent loans to loans | 0.2922% | 3,456 |
| Net loans and leases to total assets | 75.7537% | 1,344 |
| Net loans and leases to deposits | 83.6236% | 2,273 |
| Net loans and leases to core deposits | 93.2126% | 2,043 |
| Total domestic deposits to total assets | 90.5889% | 172 |
| Equity capital to assets | 9.0137% | 4,592 |
| Core capital (leverage) ratio | 9.2413% | 4,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5636% | 3,209 |
| Memoranda: | ||
| Average total assets | $338,921,500 | 2,003 |
| Average earning assets | $321,206,500 | 1,970 |
| Average equity | $29,892,000 | 2,460 |
| Average total loans | $264,114,500 | 1,789 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1159% | 1,185 |
| Cost of funding earning assets | 1.0008% | 1,717 |
| Net interest margin | 4.1151% | 1,500 |
| Noninterest income to average assets | 1.0723% | 827 |
| Noninterest expense to average assets | 2.9789% | 2,068 |
| Loan and lease loss provision to assets | 0.0769% | 2,453 |
| Net operating income to assets | 1.4337% | 1,231 |
| Return on assets (ROA) | 1.4337% | 1,301 |
| Pretax return on assets | 1.8935% | 755 |
| Return on Equity (ROE) | 16.5939% | 464 |
| Retained earnings to average equity (ytd only) | 16.5939% | 61 |
| Net charge-offs to loans | -0.0036% | 4,299 |
| Credit loss provision to net charge-offs | -2,666.6667% | 4,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1890% | 3,663 |
| Assets per employee ($millions) | 6.2764% | 1,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1079% | 2,909 |
| Loan loss allowance to noncurrent loans | 386.7360% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.2269% | 3,542 |
| Noncurrent loans to loans | 0.2865% | 3,415 |
| Net loans and leases to total assets | 78.3250% | 1,024 |
| Net loans and leases to deposits | 86.1280% | 2,074 |
| Net loans and leases to core deposits | 97.9482% | 1,732 |
| Total domestic deposits to total assets | 90.9402% | 125 |
| Equity capital to assets | 8.6258% | 4,860 |
| Core capital (leverage) ratio | 8.9007% | 4,599 |
| Tier 1 risk-based capital ratio | 9.7927% | 5,140 |
| Total risk-based capital ratio | 10.7903% | 5,137 |
| Memoranda: | ||
| Average total assets | $312,128,200 | 2,093 |
| Average earning assets | $294,064,400 | 2,066 |
| Average equity | $26,967,800 | 2,567 |
| Average total loans | $246,647,400 | 1,845 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1550% | 1,140 |
| Cost of funding earning assets | 1.0314% | 1,623 |
| Net interest margin | 4.1236% | 1,563 |
| Noninterest income to average assets | 1.1743% | 666 |
| Noninterest expense to average assets | 2.9479% | 2,108 |
| Loan and lease loss provision to assets | 0.0458% | 2,985 |
| Net operating income to assets | 1.5418% | 1,084 |
| Return on assets (ROA) | 1.5418% | 1,136 |
| Pretax return on assets | 2.0587% | 604 |
| Return on Equity (ROE) | 17.8373% | 406 |
| Retained earnings to average equity (ytd only) | 17.8373% | 69 |
| Net charge-offs to loans | -0.0188% | 4,571 |
| Credit loss provision to net charge-offs | -308.8235% | 4,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3463% | 3,882 |
| Assets per employee ($millions) | 5.8888% | 1,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1500% | 2,774 |
| Loan loss allowance to noncurrent loans | 344.9398% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.2711% | 3,469 |
| Noncurrent loans to loans | 0.3334% | 3,342 |
| Net loans and leases to total assets | 80.3635% | 803 |
| Net loans and leases to deposits | 89.0319% | 1,810 |
| Net loans and leases to core deposits | 100.5866% | 1,616 |
| Total domestic deposits to total assets | 90.2637% | 224 |
| Equity capital to assets | 9.2406% | 4,639 |
| Core capital (leverage) ratio | 9.1162% | 4,546 |
| Tier 1 risk-based capital ratio | 10.0998% | 5,177 |
| Total risk-based capital ratio | 11.1237% | 5,171 |
| Memoranda: | ||
| Average total assets | $305,429,000 | 2,150 |
| Average earning assets | $287,249,750 | 2,115 |
| Average equity | $26,401,000 | 2,612 |
| Average total loans | $241,200,000 | 1,886 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0622% | 1,314 |
| Cost of funding earning assets | 1.0039% | 1,676 |
| Net interest margin | 4.0583% | 1,731 |
| Noninterest income to average assets | 1.2872% | 525 |
| Noninterest expense to average assets | 2.9800% | 2,053 |
| Loan and lease loss provision to assets | -0.0197% | 5,138 |
| Net operating income to assets | 1.6070% | 892 |
| Return on assets (ROA) | 1.6070% | 932 |
| Pretax return on assets | 2.1470% | 501 |
| Return on Equity (ROE) | 19.0304% | 315 |
| Retained earnings to average equity (ytd only) | 19.0304% | 71 |
| Net charge-offs to loans | -0.0285% | 4,664 |
| Credit loss provision to net charge-offs | 88.2353% | 2,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3472% | 3,964 |
| Assets per employee ($millions) | 7.0251% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1448% | 2,815 |
| Loan loss allowance to noncurrent loans | 340.5743% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 3,640 |
| Noncurrent loans to loans | 0.3361% | 3,338 |
| Net loans and leases to total assets | 68.4356% | 2,762 |
| Net loans and leases to deposits | 74.6881% | 3,459 |
| Net loans and leases to core deposits | 82.9581% | 3,197 |
| Total domestic deposits to total assets | 91.6286% | 56 |
| Equity capital to assets | 7.8997% | 5,197 |
| Core capital (leverage) ratio | 9.0299% | 4,607 |
| Tier 1 risk-based capital ratio | 10.2630% | 5,182 |
| Total risk-based capital ratio | 11.2940% | 5,161 |
| Memoranda: | ||
| Average total assets | $305,167,000 | 2,158 |
| Average earning assets | $287,265,330 | 2,114 |
| Average equity | $25,769,330 | 2,653 |
| Average total loans | $238,617,330 | 1,913 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1740% | 954 |
| Cost of funding earning assets | 1.0205% | 1,477 |
| Net interest margin | 4.1535% | 1,424 |
| Noninterest income to average assets | 0.5167% | 2,455 |
| Noninterest expense to average assets | 2.8554% | 2,397 |
| Loan and lease loss provision to assets | 0.1891% | 866 |
| Net operating income to assets | 1.0867% | 2,522 |
| Return on assets (ROA) | 1.0867% | 2,563 |
| Pretax return on assets | 1.3710% | 2,189 |
| Return on Equity (ROE) | 12.3875% | 1,414 |
| Retained earnings to average equity (ytd only) | 12.3875% | 550 |
| Net charge-offs to loans | -0.0084% | 4,164 |
| Credit loss provision to net charge-offs | -2,700.0000% | 4,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6686% | 3,138 |
| Assets per employee ($millions) | 6.1222% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 2,889 |
| Loan loss allowance to noncurrent loans | 351.8428% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.2713% | 3,526 |
| Noncurrent loans to loans | 0.3252% | 3,400 |
| Net loans and leases to total assets | 82.4880% | 530 |
| Net loans and leases to deposits | 90.5901% | 1,555 |
| Net loans and leases to core deposits | 102.4243% | 1,419 |
| Total domestic deposits to total assets | 91.0563% | 160 |
| Equity capital to assets | 8.4913% | 4,992 |
| Core capital (leverage) ratio | 8.9958% | 4,659 |
| Tier 1 risk-based capital ratio | 9.5409% | 5,328 |
| Total risk-based capital ratio | 10.6137% | 5,330 |
| Memoranda: | ||
| Average total assets | $285,635,500 | 2,279 |
| Average earning assets | $268,110,000 | 2,255 |
| Average equity | $25,057,500 | 2,709 |
| Average total loans | $238,774,000 | 1,924 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7824% | 1,587 |
| Cost of funding earning assets | 0.7124% | 2,008 |
| Net interest margin | 4.0700% | 1,771 |
| Noninterest income to average assets | 0.4689% | 3,000 |
| Noninterest expense to average assets | 2.5997% | 3,334 |
| Loan and lease loss provision to assets | 0.1565% | 1,334 |
| Net operating income to assets | 1.1463% | 2,404 |
| Return on assets (ROA) | 1.1463% | 2,402 |
| Pretax return on assets | 1.5225% | 1,705 |
| Return on Equity (ROE) | 13.2585% | 1,246 |
| Retained earnings to average equity (ytd only) | 13.2585% | 213 |
| Net charge-offs to loans | -0.0094% | 4,472 |
| Credit loss provision to net charge-offs | -2,060.0000% | 4,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7584% | 3,736 |
| Assets per employee ($millions) | 5.8975% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 2,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 82.7571% | 548 |
| Net loans and leases to deposits | 93.3943% | 1,348 |
| Net loans and leases to core deposits | 102.4861% | 1,544 |
| Total domestic deposits to total assets | 88.6104% | 1,022 |
| Equity capital to assets | 9.0835% | 4,503 |
| Core capital (leverage) ratio | 8.8702% | 4,754 |
| Tier 1 risk-based capital ratio | 10.0750% | 5,289 |
| Total risk-based capital ratio | 11.1868% | 5,272 |
| Memoranda: | ||
| Average total assets | $263,186,600 | 2,377 |
| Average earning assets | $246,362,800 | 2,366 |
| Average equity | $22,755,200 | 2,845 |
| Average total loans | $212,476,000 | 2,079 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6412% | 1,871 |
| Cost of funding earning assets | 0.6692% | 2,038 |
| Net interest margin | 3.9720% | 2,046 |
| Noninterest income to average assets | 0.4840% | 2,955 |
| Noninterest expense to average assets | 2.5266% | 3,512 |
| Loan and lease loss provision to assets | 0.1399% | 1,427 |
| Net operating income to assets | 1.1574% | 2,418 |
| Return on assets (ROA) | 1.1574% | 2,422 |
| Pretax return on assets | 1.5357% | 1,788 |
| Return on Equity (ROE) | 13.5643% | 1,246 |
| Retained earnings to average equity (ytd only) | 13.5643% | 296 |
| Net charge-offs to loans | -0.0096% | 4,378 |
| Credit loss provision to net charge-offs | -1,826.6667% | 4,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1264% | 3,799 |
| Assets per employee ($millions) | 6.2324% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 2,680 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 78.1790% | 1,320 |
| Net loans and leases to deposits | 86.0222% | 2,362 |
| Net loans and leases to core deposits | 93.6106% | 2,337 |
| Total domestic deposits to total assets | 90.8824% | 247 |
| Equity capital to assets | 8.6946% | 4,800 |
| Core capital (leverage) ratio | 9.0270% | 4,679 |
| Tier 1 risk-based capital ratio | 10.2019% | 5,330 |
| Total risk-based capital ratio | 11.3031% | 5,316 |
| Memoranda: | ||
| Average total assets | $261,162,500 | 2,404 |
| Average earning assets | $244,472,250 | 2,396 |
| Average equity | $22,283,500 | 2,891 |
| Average total loans | $208,787,500 | 2,110 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5599% | 1,903 |
| Cost of funding earning assets | 0.6451% | 1,957 |
| Net interest margin | 3.9148% | 2,156 |
| Noninterest income to average assets | 0.2352% | 4,610 |
| Noninterest expense to average assets | 2.5365% | 3,527 |
| Loan and lease loss provision to assets | 0.2134% | 780 |
| Net operating income to assets | 0.8645% | 3,608 |
| Return on assets (ROA) | 0.8645% | 3,609 |
| Pretax return on assets | 1.1433% | 3,157 |
| Return on Equity (ROE) | 10.2005% | 2,476 |
| Retained earnings to average equity (ytd only) | 10.2005% | 871 |
| Net charge-offs to loans | -0.0097% | 4,311 |
| Credit loss provision to net charge-offs | -2,740.0000% | 4,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1530% | 3,133 |
| Assets per employee ($millions) | 6.4744% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 2,690 |
| Loan loss allowance to noncurrent loans | 17,180.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 5,022 |
| Noncurrent loans to loans | 0.0070% | 4,925 |
| Net loans and leases to total assets | 79.7050% | 1,063 |
| Net loans and leases to deposits | 87.3797% | 2,175 |
| Net loans and leases to core deposits | 95.3024% | 2,126 |
| Total domestic deposits to total assets | 91.2168% | 199 |
| Equity capital to assets | 8.5561% | 4,904 |
| Core capital (leverage) ratio | 8.5754% | 5,060 |
| Tier 1 risk-based capital ratio | 9.8329% | 5,461 |
| Total risk-based capital ratio | 10.9463% | 5,444 |
| Memoranda: | ||
| Average total assets | $256,807,670 | 2,452 |
| Average earning assets | $239,960,670 | 2,428 |
| Average equity | $21,763,670 | 2,943 |
| Average total loans | $206,060,000 | 2,143 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3865% | 2,241 |
| Cost of funding earning assets | 0.5824% | 2,155 |
| Net interest margin | 3.8041% | 2,411 |
| Noninterest income to average assets | 0.1917% | 4,875 |
| Noninterest expense to average assets | 2.5744% | 3,415 |
| Loan and lease loss provision to assets | 0.2170% | 735 |
| Net operating income to assets | 0.7303% | 3,983 |
| Return on assets (ROA) | 0.7303% | 3,990 |
| Pretax return on assets | 0.9600% | 3,665 |
| Return on Equity (ROE) | 8.6615% | 3,081 |
| Retained earnings to average equity (ytd only) | 8.6615% | 1,596 |
| Net charge-offs to loans | -0.0099% | 4,243 |
| Credit loss provision to net charge-offs | -2,740.0000% | 4,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6233% | 2,731 |
| Assets per employee ($millions) | 6.0746% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1786% | 2,947 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 78.1621% | 1,215 |
| Net loans and leases to deposits | 85.6712% | 2,207 |
| Net loans and leases to core deposits | 92.9006% | 2,221 |
| Total domestic deposits to total assets | 91.2349% | 244 |
| Equity capital to assets | 8.3042% | 5,102 |
| Core capital (leverage) ratio | 8.9149% | 4,784 |
| Tier 1 risk-based capital ratio | 9.4607% | 5,560 |
| Total risk-based capital ratio | 10.5209% | 5,563 |
| Memoranda: | ||
| Average total assets | $252,487,000 | 2,494 |
| Average earning assets | $236,273,000 | 2,480 |
| Average equity | $21,289,500 | 3,020 |
| Average total loans | $202,013,500 | 2,179 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3387% | 2,212 |
| Cost of funding earning assets | 0.5281% | 2,110 |
| Net interest margin | 3.8106% | 2,382 |
| Noninterest income to average assets | 0.5549% | 2,685 |
| Noninterest expense to average assets | 2.6001% | 3,443 |
| Loan and lease loss provision to assets | 0.1747% | 1,247 |
| Net operating income to assets | 0.7837% | 3,235 |
| Return on assets (ROA) | 0.7837% | 3,272 |
| Pretax return on assets | 1.3314% | 2,242 |
| Return on Equity (ROE) | 8.8936% | 2,360 |
| Retained earnings to average equity (ytd only) | 8.8936% | 527 |
| Net charge-offs to loans | 0.0136% | 3,619 |
| Credit loss provision to net charge-offs | 1,600.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 137.9583% | 502 |
| Efficiency ratio | 63.3211% | 3,713 |
| Assets per employee ($millions) | 5.9456% | 1,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 3,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 80.0495% | 953 |
| Net loans and leases to deposits | 90.0767% | 1,762 |
| Net loans and leases to core deposits | 100.2378% | 1,696 |
| Total domestic deposits to total assets | 88.8681% | 1,058 |
| Equity capital to assets | 8.5688% | 5,068 |
| Core capital (leverage) ratio | 9.0589% | 4,574 |
| Tier 1 risk-based capital ratio | 9.5623% | 5,597 |
| Total risk-based capital ratio | 10.6120% | 5,602 |
| Memoranda: | ||
| Average total assets | $219,840,600 | 2,727 |
| Average earning assets | $204,876,600 | 2,723 |
| Average equity | $19,373,400 | 3,209 |
| Average total loans | $176,464,800 | 2,367 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3148% | 2,225 |
| Cost of funding earning assets | 0.5248% | 2,072 |
| Net interest margin | 3.7900% | 2,440 |
| Noninterest income to average assets | 0.4439% | 3,375 |
| Noninterest expense to average assets | 2.5948% | 3,423 |
| Loan and lease loss provision to assets | 0.1796% | 1,115 |
| Net operating income to assets | 0.7687% | 3,651 |
| Return on assets (ROA) | 0.7687% | 3,707 |
| Pretax return on assets | 1.1995% | 2,910 |
| Return on Equity (ROE) | 8.6548% | 2,786 |
| Retained earnings to average equity (ytd only) | 8.6548% | 963 |
| Net charge-offs to loans | 0.0226% | 3,014 |
| Credit loss provision to net charge-offs | 993.1034% | 362 |
| Earnings coverage of net charge-offs (x) | 76.2674% | 845 |
| Efficiency ratio | 65.2965% | 3,327 |
| Assets per employee ($millions) | 5.5741% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 2,977 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 81.5354% | 760 |
| Net loans and leases to deposits | 89.9899% | 1,809 |
| Net loans and leases to core deposits | 97.8471% | 1,899 |
| Total domestic deposits to total assets | 90.6051% | 291 |
| Equity capital to assets | 8.9361% | 4,971 |
| Core capital (leverage) ratio | 8.8988% | 4,868 |
| Tier 1 risk-based capital ratio | 9.7791% | 5,635 |
| Total risk-based capital ratio | 10.8592% | 5,634 |
| Memoranda: | ||
| Average total assets | $213,858,750 | 2,800 |
| Average earning assets | $199,186,750 | 2,802 |
| Average equity | $18,994,750 | 3,279 |
| Average total loans | $171,224,000 | 2,422 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2254% | 2,379 |
| Cost of funding earning assets | 0.5145% | 2,058 |
| Net interest margin | 3.7108% | 2,618 |
| Noninterest income to average assets | 0.5559% | 2,683 |
| Noninterest expense to average assets | 2.6126% | 3,391 |
| Loan and lease loss provision to assets | 0.1821% | 1,039 |
| Net operating income to assets | 0.7751% | 3,518 |
| Return on assets (ROA) | 0.7751% | 3,569 |
| Pretax return on assets | 1.2095% | 2,734 |
| Return on Equity (ROE) | 8.7450% | 2,633 |
| Retained earnings to average equity (ytd only) | 8.7450% | 920 |
| Net charge-offs to loans | -0.0108% | 4,563 |
| Credit loss provision to net charge-offs | -2,133.3333% | 4,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2452% | 3,467 |
| Assets per employee ($millions) | 5.8424% | 1,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 2,925 |
| Loan loss allowance to noncurrent loans | 5,204.8780% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 5,213 |
| Noncurrent loans to loans | 0.0234% | 5,069 |
| Net loans and leases to total assets | 78.1165% | 1,230 |
| Net loans and leases to deposits | 85.9576% | 2,231 |
| Net loans and leases to core deposits | 92.9964% | 2,247 |
| Total domestic deposits to total assets | 90.8780% | 253 |
| Equity capital to assets | 8.6757% | 5,172 |
| Core capital (leverage) ratio | 8.4582% | 5,244 |
| Tier 1 risk-based capital ratio | 9.6504% | 5,688 |
| Total risk-based capital ratio | 10.7382% | 5,697 |
| Memoranda: | ||
| Average total assets | $210,824,330 | 2,853 |
| Average earning assets | $195,912,670 | 2,849 |
| Average equity | $18,685,000 | 3,308 |
| Average total loans | $166,970,330 | 2,476 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1347% | 2,533 |
| Cost of funding earning assets | 0.5024% | 2,067 |
| Net interest margin | 3.6323% | 2,767 |
| Noninterest income to average assets | 0.2709% | 4,603 |
| Noninterest expense to average assets | 2.6351% | 3,364 |
| Loan and lease loss provision to assets | 0.1871% | 903 |
| Net operating income to assets | 0.5282% | 4,474 |
| Return on assets (ROA) | 0.5282% | 4,515 |
| Pretax return on assets | 0.8166% | 4,049 |
| Return on Equity (ROE) | 5.8923% | 3,964 |
| Retained earnings to average equity (ytd only) | 5.8923% | 2,395 |
| Net charge-offs to loans | -0.0123% | 4,509 |
| Credit loss provision to net charge-offs | -1,920.0000% | 4,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4156% | 2,502 |
| Assets per employee ($millions) | 6.2643% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2363% | 2,908 |
| Loan loss allowance to noncurrent loans | 101,700.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 5,392 |
| Noncurrent loans to loans | 0.0012% | 5,278 |
| Net loans and leases to total assets | 76.2918% | 1,365 |
| Net loans and leases to deposits | 84.0489% | 2,282 |
| Net loans and leases to core deposits | 91.5447% | 2,214 |
| Total domestic deposits to total assets | 90.7707% | 373 |
| Equity capital to assets | 8.7696% | 5,025 |
| Core capital (leverage) ratio | 8.8827% | 4,862 |
| Tier 1 risk-based capital ratio | 9.7405% | 5,746 |
| Total risk-based capital ratio | 10.8370% | 5,750 |
| Memoranda: | ||
| Average total assets | $205,230,500 | 2,936 |
| Average earning assets | $190,292,000 | 2,931 |
| Average equity | $18,397,000 | 3,357 |
| Average total loans | $162,674,500 | 2,542 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1095% | 2,814 |
| Cost of funding earning assets | 0.4978% | 2,109 |
| Net interest margin | 3.6117% | 3,033 |
| Noninterest income to average assets | 0.5835% | 2,747 |
| Noninterest expense to average assets | 2.7606% | 3,159 |
| Loan and lease loss provision to assets | -0.0761% | 5,642 |
| Net operating income to assets | 0.7713% | 3,449 |
| Return on assets (ROA) | 0.8228% | 3,290 |
| Pretax return on assets | 1.2944% | 2,302 |
| Return on Equity (ROE) | 9.2255% | 2,301 |
| Retained earnings to average equity (ytd only) | 9.2255% | 536 |
| Net charge-offs to loans | -0.4148% | 5,820 |
| Credit loss provision to net charge-offs | 23.9726% | 3,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8147% | 2,778 |
| Assets per employee ($millions) | 5.6422% | 1,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 3,119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 80.4619% | 817 |
| Net loans and leases to deposits | 89.1130% | 1,794 |
| Net loans and leases to core deposits | 97.0967% | 1,828 |
| Total domestic deposits to total assets | 90.2920% | 520 |
| Equity capital to assets | 9.1738% | 4,611 |
| Core capital (leverage) ratio | 9.1379% | 4,569 |
| Tier 1 risk-based capital ratio | 9.6692% | 5,799 |
| Total risk-based capital ratio | 10.7458% | 5,807 |
| Memoranda: | ||
| Average total assets | $183,874,600 | 3,124 |
| Average earning assets | $168,755,200 | 3,131 |
| Average equity | $16,400,200 | 3,638 |
| Average total loans | $140,784,800 | 2,774 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0920% | 2,903 |
| Cost of funding earning assets | 0.5044% | 2,063 |
| Net interest margin | 3.5876% | 3,123 |
| Noninterest income to average assets | 0.5785% | 2,774 |
| Noninterest expense to average assets | 2.7645% | 3,124 |
| Loan and lease loss provision to assets | -0.2253% | 5,878 |
| Net operating income to assets | 0.8409% | 3,195 |
| Return on assets (ROA) | 0.9109% | 2,979 |
| Pretax return on assets | 1.4325% | 1,933 |
| Return on Equity (ROE) | 10.2932% | 1,931 |
| Retained earnings to average equity (ytd only) | 10.2932% | 514 |
| Net charge-offs to loans | -0.5813% | 5,897 |
| Credit loss provision to net charge-offs | 51.5203% | 3,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5761% | 2,636 |
| Assets per employee ($millions) | 5.1221% | 2,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1962% | 3,264 |
| Loan loss allowance to noncurrent loans | 14,791.6667% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 5,507 |
| Noncurrent loans to loans | 0.0081% | 5,380 |
| Net loans and leases to total assets | 81.7830% | 652 |
| Net loans and leases to deposits | 91.0278% | 1,626 |
| Net loans and leases to core deposits | 98.5939% | 1,760 |
| Total domestic deposits to total assets | 89.8439% | 537 |
| Equity capital to assets | 9.5977% | 4,559 |
| Core capital (leverage) ratio | 8.4971% | 5,359 |
| Tier 1 risk-based capital ratio | 9.7899% | 5,837 |
| Total risk-based capital ratio | 10.8523% | 5,853 |
| Memoranda: | ||
| Average total assets | $180,474,250 | 3,173 |
| Average earning assets | $165,196,000 | 3,186 |
| Average equity | $15,971,250 | 3,726 |
| Average total loans | $135,774,750 | 2,841 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0011% | 3,242 |
| Cost of funding earning assets | 0.4979% | 2,115 |
| Net interest margin | 3.5033% | 3,481 |
| Noninterest income to average assets | 0.6402% | 2,418 |
| Noninterest expense to average assets | 2.8141% | 2,985 |
| Loan and lease loss provision to assets | -0.5197% | 6,022 |
| Net operating income to assets | 0.9800% | 2,468 |
| Return on assets (ROA) | 1.0847% | 2,147 |
| Pretax return on assets | 1.7150% | 1,058 |
| Return on Equity (ROE) | 12.6095% | 1,132 |
| Retained earnings to average equity (ytd only) | 12.6095% | 262 |
| Net charge-offs to loans | -0.8847% | 5,984 |
| Credit loss provision to net charge-offs | 80.7560% | 2,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1742% | 2,484 |
| Assets per employee ($millions) | 5.6395% | 1,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 3,774 |
| Loan loss allowance to noncurrent loans | 14,545.4545% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 5,613 |
| Noncurrent loans to loans | 0.0078% | 5,476 |
| Net loans and leases to total assets | 72.8985% | 2,026 |
| Net loans and leases to deposits | 80.2095% | 2,907 |
| Net loans and leases to core deposits | 87.2859% | 2,793 |
| Total domestic deposits to total assets | 90.8851% | 211 |
| Equity capital to assets | 8.5996% | 5,534 |
| Core capital (leverage) ratio | 8.2322% | 5,583 |
| Tier 1 risk-based capital ratio | 9.5698% | 5,938 |
| Total risk-based capital ratio | 10.5587% | 5,966 |
| Memoranda: | ||
| Average total assets | $180,875,000 | 3,190 |
| Average earning assets | $165,503,000 | 3,204 |
| Average equity | $15,559,670 | 3,795 |
| Average total loans | $131,570,000 | 2,911 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0075% | 3,203 |
| Cost of funding earning assets | 0.5031% | 2,084 |
| Net interest margin | 3.5044% | 3,463 |
| Noninterest income to average assets | 0.3215% | 4,432 |
| Noninterest expense to average assets | 2.9115% | 2,670 |
| Loan and lease loss provision to assets | -1.1400% | 6,108 |
| Net operating income to assets | 1.1012% | 1,894 |
| Return on assets (ROA) | 1.1012% | 1,995 |
| Pretax return on assets | 1.7419% | 962 |
| Return on Equity (ROE) | 12.7989% | 1,082 |
| Retained earnings to average equity (ytd only) | 12.7989% | 415 |
| Net charge-offs to loans | -1.8379% | 6,061 |
| Credit loss provision to net charge-offs | 85.9107% | 1,796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8683% | 1,272 |
| Assets per employee ($millions) | 5.3616% | 1,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 3,475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 4,025 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 68.8478% | 2,523 |
| Net loans and leases to deposits | 75.6113% | 3,263 |
| Net loans and leases to core deposits | 82.4465% | 3,094 |
| Total domestic deposits to total assets | 91.0549% | 255 |
| Equity capital to assets | 8.4452% | 5,604 |
| Core capital (leverage) ratio | 8.6763% | 5,200 |
| Tier 1 risk-based capital ratio | 9.2241% | 6,043 |
| Total risk-based capital ratio | 10.2104% | 6,054 |
| Memoranda: | ||
| Average total assets | $175,441,500 | 3,255 |
| Average earning assets | $159,799,000 | 3,288 |
| Average equity | $15,095,000 | 3,858 |
| Average total loans | $126,666,500 | 2,991 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0611% | 3,069 |
| Cost of funding earning assets | 0.5486% | 1,775 |
| Net interest margin | 3.5126% | 3,479 |
| Noninterest income to average assets | 0.1707% | 5,561 |
| Noninterest expense to average assets | 2.6820% | 3,642 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3715% | 5,136 |
| Return on assets (ROA) | 0.3715% | 5,224 |
| Pretax return on assets | 0.5915% | 4,864 |
| Return on Equity (ROE) | 3.8667% | 5,002 |
| Retained earnings to average equity (ytd only) | 3.8667% | 3,284 |
| Net charge-offs to loans | -0.0290% | 5,390 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9305% | 1,419 |
| Assets per employee ($millions) | 5.1008% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2140% | 3,393 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4491% | 3,819 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 74.1777% | 1,698 |
| Net loans and leases to deposits | 81.8720% | 2,603 |
| Net loans and leases to core deposits | 90.5270% | 2,363 |
| Total domestic deposits to total assets | 90.6020% | 404 |
| Equity capital to assets | 8.7865% | 5,323 |
| Core capital (leverage) ratio | 7.6398% | 5,947 |
| Tier 1 risk-based capital ratio | 8.7241% | 6,118 |
| Total risk-based capital ratio | 9.7298% | 6,127 |
| Memoranda: | ||
| Average total assets | $145,897,200 | 3,631 |
| Average earning assets | $128,880,200 | 3,723 |
| Average equity | $14,017,000 | 3,972 |
| Average total loans | $106,868,000 | 3,264 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0187% | 3,266 |
| Cost of funding earning assets | 0.5348% | 1,931 |
| Net interest margin | 3.4839% | 3,607 |
| Noninterest income to average assets | 0.1724% | 5,617 |
| Noninterest expense to average assets | 2.7417% | 3,415 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3099% | 5,426 |
| Return on assets (ROA) | 0.3099% | 5,511 |
| Pretax return on assets | 0.4860% | 5,254 |
| Return on Equity (ROE) | 3.1477% | 5,333 |
| Retained earnings to average equity (ytd only) | 3.1477% | 4,219 |
| Net charge-offs to loans | -0.0259% | 5,291 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9431% | 1,088 |
| Assets per employee ($millions) | 5.8123% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 2,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4349% | 4,040 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 63.7141% | 3,349 |
| Net loans and leases to deposits | 70.0087% | 3,985 |
| Net loans and leases to core deposits | 76.1190% | 3,787 |
| Total domestic deposits to total assets | 91.0089% | 242 |
| Equity capital to assets | 8.3800% | 5,777 |
| Core capital (leverage) ratio | 7.7978% | 5,980 |
| Tier 1 risk-based capital ratio | 9.6368% | 6,118 |
| Total risk-based capital ratio | 10.7684% | 6,117 |
| Memoranda: | ||
| Average total assets | $141,564,750 | 3,725 |
| Average earning assets | $124,150,000 | 3,847 |
| Average equity | $13,935,750 | 4,031 |
| Average total loans | $102,943,500 | 3,370 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2822% | 2,224 |
| Cost of funding earning assets | 0.5222% | 2,052 |
| Net interest margin | 3.7600% | 2,475 |
| Noninterest income to average assets | 0.1841% | 5,592 |
| Noninterest expense to average assets | 2.9178% | 2,825 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3364% | 5,339 |
| Return on assets (ROA) | 0.3364% | 5,444 |
| Pretax return on assets | 0.5250% | 5,163 |
| Return on Equity (ROE) | 3.2150% | 5,334 |
| Retained earnings to average equity (ytd only) | 3.2150% | 4,002 |
| Net charge-offs to loans | -0.0178% | 5,136 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7502% | 1,182 |
| Assets per employee ($millions) | 5.4742% | 1,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 2,630 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4959% | 3,963 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 68.5063% | 2,568 |
| Net loans and leases to deposits | 76.2606% | 3,239 |
| Net loans and leases to core deposits | 83.7926% | 3,000 |
| Total domestic deposits to total assets | 89.8318% | 737 |
| Equity capital to assets | 9.4686% | 4,685 |
| Core capital (leverage) ratio | 9.1274% | 4,779 |
| Tier 1 risk-based capital ratio | 10.3697% | 5,966 |
| Total risk-based capital ratio | 11.5958% | 5,917 |
| Memoranda: | ||
| Average total assets | $132,567,670 | 3,914 |
| Average earning assets | $114,893,330 | 4,052 |
| Average equity | $13,872,670 | 4,064 |
| Average total loans | $100,967,670 | 3,422 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4883% | 1,497 |
| Cost of funding earning assets | 0.4917% | 2,361 |
| Net interest margin | 3.9966% | 1,569 |
| Noninterest income to average assets | 0.1889% | 5,574 |
| Noninterest expense to average assets | 3.0957% | 2,288 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3169% | 5,350 |
| Return on assets (ROA) | 0.3169% | 5,459 |
| Pretax return on assets | 0.5282% | 5,103 |
| Return on Equity (ROE) | 2.8672% | 5,428 |
| Retained earnings to average equity (ytd only) | 2.8672% | 4,247 |
| Net charge-offs to loans | 0.0679% | 2,052 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 9.7059% | 1,989 |
| Efficiency ratio | 85.4240% | 1,229 |
| Assets per employee ($millions) | 4.6773% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4118% | 2,865 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5597% | 3,796 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 76.7843% | 1,085 |
| Net loans and leases to deposits | 90.0921% | 1,380 |
| Net loans and leases to core deposits | 99.7184% | 1,339 |
| Total domestic deposits to total assets | 85.2287% | 3,294 |
| Equity capital to assets | 10.5923% | 3,435 |
| Core capital (leverage) ratio | 9.9279% | 3,700 |
| Tier 1 risk-based capital ratio | 10.4451% | 6,028 |
| Total risk-based capital ratio | 11.6773% | 5,991 |
| Memoranda: | ||
| Average total assets | $124,949,500 | 4,085 |
| Average earning assets | $107,390,000 | 4,230 |
| Average equity | $13,811,500 | 4,100 |
| Average total loans | $100,091,000 | 3,448 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5365% | 1,740 |
| Cost of funding earning assets | 0.4878% | 2,799 |
| Net interest margin | 4.0487% | 1,742 |
| Noninterest income to average assets | 0.2081% | 5,619 |
| Noninterest expense to average assets | 3.2068% | 2,197 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.7754% | 113 |
| Return on assets (ROA) | 2.7754% | 113 |
| Pretax return on assets | 0.4697% | 5,325 |
| Return on Equity (ROE) | 23.9597% | 124 |
| Retained earnings to average equity (ytd only) | 23.9597% | 44 |
| Net charge-offs to loans | -0.0634% | 6,009 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2237% | 1,054 |
| Assets per employee ($millions) | 4.4050% | 3,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4840% | 2,551 |
| Loan loss allowance to noncurrent loans | 1,892.2078% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.6810% | 3,535 |
| Noncurrent loans to loans | 0.0784% | 5,572 |
| Net loans and leases to total assets | 81.3261% | 591 |
| Net loans and leases to deposits | 99.5001% | 656 |
| Net loans and leases to core deposits | 106.7687% | 969 |
| Total domestic deposits to total assets | 81.7347% | 4,508 |
| Equity capital to assets | 11.5617% | 2,376 |
| Core capital (leverage) ratio | 9.4768% | 4,277 |
| Tier 1 risk-based capital ratio | 10.3994% | 6,140 |
| Total risk-based capital ratio | 11.6504% | 6,085 |
| Memoranda: | ||
| Average total assets | $111,982,200 | 4,347 |
| Average earning assets | $95,932,200 | 4,509 |
| Average equity | $12,971,800 | 4,205 |
| Average total loans | $88,372,000 | 3,667 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3840% | 2,276 |
| Cost of funding earning assets | 0.4749% | 3,004 |
| Net interest margin | 3.9091% | 2,199 |
| Noninterest income to average assets | 0.2008% | 5,723 |
| Noninterest expense to average assets | 3.1674% | 2,273 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 3.6077% | 67 |
| Return on assets (ROA) | 3.6077% | 67 |
| Pretax return on assets | 0.3979% | 5,580 |
| Return on Equity (ROE) | 31.1280% | 51 |
| Retained earnings to average equity (ytd only) | 31.1280% | 27 |
| Net charge-offs to loans | -0.0543% | 5,941 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8399% | 933 |
| Assets per employee ($millions) | 4.2886% | 3,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4444% | 2,971 |
| Loan loss allowance to noncurrent loans | 2,143.2836% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.6432% | 3,908 |
| Noncurrent loans to loans | 0.0674% | 5,749 |
| Net loans and leases to total assets | 78.7819% | 861 |
| Net loans and leases to deposits | 96.4095% | 849 |
| Net loans and leases to core deposits | 102.9796% | 1,152 |
| Total domestic deposits to total assets | 81.7158% | 4,584 |
| Equity capital to assets | 10.9327% | 3,023 |
| Core capital (leverage) ratio | 9.9512% | 3,739 |
| Tier 1 risk-based capital ratio | 10.1344% | 6,317 |
| Total risk-based capital ratio | 11.3851% | 6,278 |
| Memoranda: | ||
| Average total assets | $110,243,750 | 4,416 |
| Average earning assets | $94,888,000 | 4,577 |
| Average equity | $12,777,000 | 4,261 |
| Average total loans | $85,919,250 | 3,756 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3212% | 2,517 |
| Cost of funding earning assets | 0.4831% | 3,000 |
| Net interest margin | 3.8381% | 2,422 |
| Noninterest income to average assets | 0.1933% | 5,807 |
| Noninterest expense to average assets | 3.0966% | 2,512 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 5.4977% | 42 |
| Return on assets (ROA) | 5.4977% | 42 |
| Pretax return on assets | 0.3942% | 5,581 |
| Return on Equity (ROE) | 46.4024% | 23 |
| Retained earnings to average equity (ytd only) | 46.4024% | 15 |
| Net charge-offs to loans | -0.0516% | 5,889 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7079% | 1,024 |
| Assets per employee ($millions) | 4.2752% | 3,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5947% | 2,484 |
| Loan loss allowance to noncurrent loans | 450.3165% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.9437% | 3,176 |
| Noncurrent loans to loans | 0.3541% | 4,935 |
| Net loans and leases to total assets | 78.9989% | 798 |
| Net loans and leases to deposits | 97.0813% | 732 |
| Net loans and leases to core deposits | 102.3796% | 1,110 |
| Total domestic deposits to total assets | 81.3739% | 4,850 |
| Equity capital to assets | 12.1532% | 1,883 |
| Core capital (leverage) ratio | 10.7783% | 2,646 |
| Tier 1 risk-based capital ratio | 11.0627% | 6,024 |
| Total risk-based capital ratio | 12.3151% | 5,963 |
| Memoranda: | ||
| Average total assets | $105,535,000 | 4,546 |
| Average earning assets | $90,669,000 | 4,711 |
| Average equity | $12,503,670 | 4,317 |
| Average total loans | $81,420,000 | 3,866 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2693% | 2,636 |
| Cost of funding earning assets | 0.4884% | 3,027 |
| Net interest margin | 3.7809% | 2,548 |
| Noninterest income to average assets | 0.1908% | 5,819 |
| Noninterest expense to average assets | 3.0256% | 2,783 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 11.0587% | 16 |
| Return on assets (ROA) | 11.0587% | 16 |
| Pretax return on assets | 0.4205% | 5,384 |
| Return on Equity (ROE) | 94.6588% | 10 |
| Retained earnings to average equity (ytd only) | 94.6588% | 8 |
| Net charge-offs to loans | -0.0619% | 5,909 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7966% | 1,248 |
| Assets per employee ($millions) | 4.4609% | 3,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8047% | 2,024 |
| Loan loss allowance to noncurrent loans | 2,108.9552% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.7482% | 3,878 |
| Noncurrent loans to loans | 0.0856% | 5,876 |
| Net loans and leases to total assets | 71.8126% | 1,605 |
| Net loans and leases to deposits | 82.3240% | 2,016 |
| Net loans and leases to core deposits | 85.8492% | 2,336 |
| Total domestic deposits to total assets | 87.2317% | 2,678 |
| Equity capital to assets | 12.5413% | 1,549 |
| Core capital (leverage) ratio | 11.3418% | 2,101 |
| Tier 1 risk-based capital ratio | 12.4835% | 5,325 |
| Total risk-based capital ratio | 13.7381% | 5,260 |
| Memoranda: | ||
| Average total assets | $102,724,500 | 4,657 |
| Average earning assets | $88,445,500 | 4,812 |
| Average equity | $12,001,000 | 4,418 |
| Average total loans | $77,512,500 | 4,014 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7835% | 1,358 |
| Cost of funding earning assets | 0.5781% | 2,855 |
| Net interest margin | 4.2054% | 1,335 |
| Noninterest income to average assets | 0.1766% | 6,025 |
| Noninterest expense to average assets | 3.2404% | 2,309 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2699% | 5,618 |
| Return on assets (ROA) | 0.2699% | 5,702 |
| Pretax return on assets | 0.2948% | 5,746 |
| Return on Equity (ROE) | 2.3878% | 5,709 |
| Retained earnings to average equity (ytd only) | 2.3878% | 4,546 |
| Net charge-offs to loans | 0.9434% | 639 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.4204% | 4,943 |
| Efficiency ratio | 91.6616% | 896 |
| Assets per employee ($millions) | 4.0995% | 3,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8259% | 1,989 |
| Loan loss allowance to noncurrent loans | 28,020.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.7511% | 4,004 |
| Noncurrent loans to loans | 0.0065% | 6,280 |
| Net loans and leases to total assets | 76.5619% | 999 |
| Net loans and leases to deposits | 85.9701% | 1,691 |
| Net loans and leases to core deposits | 89.9588% | 2,033 |
| Total domestic deposits to total assets | 89.0565% | 1,580 |
| Equity capital to assets | 10.7484% | 2,881 |
| Core capital (leverage) ratio | 10.6308% | 2,750 |
| Tier 1 risk-based capital ratio | 12.1725% | 5,511 |
| Total risk-based capital ratio | 13.4265% | 5,443 |
| Memoranda: | ||
| Average total assets | $92,273,400 | 4,925 |
| Average earning assets | $73,690,600 | 5,199 |
| Average equity | $10,428,000 | 4,759 |
| Average total loans | $68,578,200 | 4,321 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8255% | 1,291 |
| Cost of funding earning assets | 0.5952% | 2,851 |
| Net interest margin | 4.2303% | 1,245 |
| Noninterest income to average assets | 0.1660% | 6,193 |
| Noninterest expense to average assets | 3.2794% | 2,119 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1513% | 6,035 |
| Return on assets (ROA) | 0.1513% | 6,104 |
| Pretax return on assets | 0.1866% | 6,058 |
| Return on Equity (ROE) | 1.3216% | 6,113 |
| Retained earnings to average equity (ytd only) | 1.3216% | 5,453 |
| Net charge-offs to loans | 0.7634% | 781 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.3333% | 4,752 |
| Efficiency ratio | 94.6164% | 702 |
| Assets per employee ($millions) | 4.6593% | 2,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2051% | 1,318 |
| Loan loss allowance to noncurrent loans | 102.9012% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 2.4058% | 1,613 |
| Noncurrent loans to loans | 2.1429% | 2,081 |
| Net loans and leases to total assets | 75.5593% | 1,059 |
| Net loans and leases to deposits | 85.6188% | 1,659 |
| Net loans and leases to core deposits | 89.3696% | 2,034 |
| Total domestic deposits to total assets | 88.2508% | 1,966 |
| Equity capital to assets | 10.6699% | 3,102 |
| Core capital (leverage) ratio | 11.2282% | 2,269 |
| Tier 1 risk-based capital ratio | 12.6002% | 5,387 |
| Total risk-based capital ratio | 13.8589% | 5,330 |
| Memoranda: | ||
| Average total assets | $90,745,000 | 5,015 |
| Average earning assets | $70,789,000 | 5,345 |
| Average equity | $10,391,250 | 4,817 |
| Average total loans | $66,540,750 | 4,428 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9978% | 913 |
| Cost of funding earning assets | 0.6560% | 2,445 |
| Net interest margin | 4.3418% | 952 |
| Noninterest income to average assets | 0.1675% | 6,213 |
| Noninterest expense to average assets | 3.3651% | 1,900 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0317% | 6,335 |
| Return on assets (ROA) | -0.0317% | 6,392 |
| Pretax return on assets | 0.0226% | 6,328 |
| Return on Equity (ROE) | -0.2699% | 6,390 |
| Retained earnings to average equity (ytd only) | -0.2699% | 5,907 |
| Net charge-offs to loans | 1.4200% | 385 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.0222% | 4,545 |
| Efficiency ratio | 99.3320% | 510 |
| Assets per employee ($millions) | 3.9700% | 3,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3068% | 1,252 |
| Loan loss allowance to noncurrent loans | 98.1561% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 2.7032% | 1,545 |
| Noncurrent loans to loans | 2.3502% | 2,004 |
| Net loans and leases to total assets | 77.4344% | 809 |
| Net loans and leases to deposits | 89.0422% | 1,223 |
| Net loans and leases to core deposits | 91.5592% | 1,755 |
| Total domestic deposits to total assets | 86.9637% | 2,842 |
| Equity capital to assets | 11.8375% | 2,020 |
| Core capital (leverage) ratio | 11.7708% | 1,748 |
| Tier 1 risk-based capital ratio | 13.4298% | 4,819 |
| Total risk-based capital ratio | 14.6895% | 4,771 |
| Memoranda: | ||
| Average total assets | $88,378,330 | 5,094 |
| Average earning assets | $65,549,000 | 5,507 |
| Average equity | $10,375,000 | 4,858 |
| Average total loans | $63,521,670 | 4,557 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1174% | 718 |
| Cost of funding earning assets | 0.7190% | 2,066 |
| Net interest margin | 4.3984% | 810 |
| Noninterest income to average assets | 0.1845% | 6,154 |
| Noninterest expense to average assets | 3.4107% | 1,812 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1845% | 6,508 |
| Return on assets (ROA) | -0.1845% | 6,548 |
| Pretax return on assets | -0.1710% | 6,531 |
| Return on Equity (ROE) | -1.5780% | 6,539 |
| Retained earnings to average equity (ytd only) | -1.5780% | 6,034 |
| Net charge-offs to loans | -0.0264% | 5,843 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2778% | 407 |
| Assets per employee ($millions) | 4.2427% | 3,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3011% | 493 |
| Loan loss allowance to noncurrent loans | 98.7013% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 3.1573% | 1,386 |
| Noncurrent loans to loans | 3.3445% | 1,449 |
| Net loans and leases to total assets | 67.4654% | 2,110 |
| Net loans and leases to deposits | 76.5876% | 2,538 |
| Net loans and leases to core deposits | 78.7262% | 2,966 |
| Total domestic deposits to total assets | 88.0893% | 2,261 |
| Equity capital to assets | 11.6391% | 2,303 |
| Core capital (leverage) ratio | 11.7644% | 1,698 |
| Tier 1 risk-based capital ratio | 14.3331% | 4,272 |
| Total risk-based capital ratio | 15.6033% | 4,228 |
| Memoranda: | ||
| Average total assets | $88,897,000 | 5,129 |
| Average earning assets | $61,750,000 | 5,685 |
| Average equity | $10,393,000 | 4,907 |
| Average total loans | $60,668,000 | 4,687 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2083% | 1,102 |
| Cost of funding earning assets | 0.8325% | 2,406 |
| Net interest margin | 4.3758% | 1,212 |
| Noninterest income to average assets | -0.5122% | 7,030 |
| Noninterest expense to average assets | 4.2451% | 725 |
| Loan and lease loss provision to assets | 1.2003% | 302 |
| Net operating income to assets | -2.5563% | 6,982 |
| Return on assets (ROA) | -2.5563% | 6,984 |
| Pretax return on assets | -2.5718% | 6,984 |
| Return on Equity (ROE) | -37.1721% | 6,984 |
| Retained earnings to average equity (ytd only) | -37.1721% | 6,974 |
| Net charge-offs to loans | 0.6456% | 1,824 |
| Credit loss provision to net charge-offs | 254.4081% | 946 |
| Earnings coverage of net charge-offs (x) | -2.9068% | 5,869 |
| Efficiency ratio | 147.7254% | 95 |
| Assets per employee ($millions) | 4.6683% | 2,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4609% | 438 |
| Loan loss allowance to noncurrent loans | 97.7566% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 3.3575% | 1,368 |
| Noncurrent loans to loans | 3.5403% | 1,403 |
| Net loans and leases to total assets | 64.4062% | 2,823 |
| Net loans and leases to deposits | 73.1656% | 3,229 |
| Net loans and leases to core deposits | 75.2146% | 3,631 |
| Total domestic deposits to total assets | 88.0279% | 2,223 |
| Equity capital to assets | 11.7432% | 2,233 |
| Core capital (leverage) ratio | 11.7621% | 1,696 |
| Tier 1 risk-based capital ratio | 15.6528% | 3,347 |
| Total risk-based capital ratio | 16.9259% | 3,287 |
| Memoranda: | ||
| Average total assets | $84,144,600 | 5,245 |
| Average earning assets | $65,108,200 | 5,583 |
| Average equity | $5,786,600 | 6,079 |
| Average total loans | $61,495,600 | 4,656 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1993% | 1,193 |
| Cost of funding earning assets | 0.8464% | 2,573 |
| Net interest margin | 4.3529% | 1,341 |
| Noninterest income to average assets | -0.4241% | 7,119 |
| Noninterest expense to average assets | 4.3706% | 617 |
| Loan and lease loss provision to assets | 0.2152% | 2,915 |
| Net operating income to assets | -1.5131% | 6,972 |
| Return on assets (ROA) | -1.5131% | 6,980 |
| Pretax return on assets | -1.5324% | 6,961 |
| Return on Equity (ROE) | -27.1312% | 7,048 |
| Retained earnings to average equity (ytd only) | -27.1312% | 7,039 |
| Net charge-offs to loans | 0.7818% | 1,415 |
| Credit loss provision to net charge-offs | 36.8132% | 4,687 |
| Earnings coverage of net charge-offs (x) | -2.2528% | 5,659 |
| Efficiency ratio | 143.1352% | 108 |
| Assets per employee ($millions) | 4.2059% | 3,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1057% | 1,892 |
| Loan loss allowance to noncurrent loans | 88.8725% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 2.7405% | 1,928 |
| Noncurrent loans to loans | 2.3693% | 2,434 |
| Net loans and leases to total assets | 70.1613% | 1,880 |
| Net loans and leases to deposits | 74.3420% | 3,231 |
| Net loans and leases to core deposits | 76.9446% | 3,612 |
| Total domestic deposits to total assets | 94.3764% | 59 |
| Equity capital to assets | 5.1669% | 7,041 |
| Core capital (leverage) ratio | 5.0899% | 7,020 |
| Tier 1 risk-based capital ratio | 6.4735% | 7,072 |
| Total risk-based capital ratio | 7.7311% | 7,072 |
| Memoranda: | ||
| Average total assets | $83,006,250 | 5,324 |
| Average earning assets | $66,314,750 | 5,605 |
| Average equity | $4,629,250 | 6,480 |
| Average total loans | $62,075,750 | 4,679 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1192% | 1,458 |
| Cost of funding earning assets | 0.8498% | 2,793 |
| Net interest margin | 4.2694% | 1,549 |
| Noninterest income to average assets | -0.6949% | 7,202 |
| Noninterest expense to average assets | 4.2457% | 694 |
| Loan and lease loss provision to assets | 0.3189% | 2,074 |
| Net operating income to assets | -1.7397% | 7,046 |
| Return on assets (ROA) | -1.7397% | 7,060 |
| Pretax return on assets | -1.7564% | 7,043 |
| Return on Equity (ROE) | -30.4837% | 7,105 |
| Retained earnings to average equity (ytd only) | -30.4837% | 7,094 |
| Net charge-offs to loans | 0.0628% | 4,548 |
| Credit loss provision to net charge-offs | 670.0000% | 475 |
| Earnings coverage of net charge-offs (x) | -30.2000% | 5,489 |
| Efficiency ratio | 151.1864% | 97 |
| Assets per employee ($millions) | 4.0727% | 3,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5194% | 1,257 |
| Loan loss allowance to noncurrent loans | 90.6909% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 3.1196% | 1,748 |
| Noncurrent loans to loans | 2.7780% | 2,159 |
| Net loans and leases to total assets | 73.5811% | 1,311 |
| Net loans and leases to deposits | 77.9467% | 2,677 |
| Net loans and leases to core deposits | 84.4855% | 2,631 |
| Total domestic deposits to total assets | 94.3992% | 69 |
| Equity capital to assets | 5.3172% | 7,081 |
| Core capital (leverage) ratio | 5.1896% | 7,054 |
| Tier 1 risk-based capital ratio | 6.4520% | 7,118 |
| Total risk-based capital ratio | 7.7152% | 7,117 |
| Memoranda: | ||
| Average total assets | $84,037,330 | 5,325 |
| Average earning assets | $68,956,000 | 5,559 |
| Average equity | $4,796,000 | 6,449 |
| Average total loans | $63,676,330 | 4,647 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9366% | 2,107 |
| Cost of funding earning assets | 0.8542% | 3,027 |
| Net interest margin | 4.0824% | 2,164 |
| Noninterest income to average assets | 0.1266% | 6,618 |
| Noninterest expense to average assets | 3.7127% | 1,360 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.1547% | 6,585 |
| Return on assets (ROA) | -0.1547% | 6,651 |
| Pretax return on assets | -0.1359% | 6,622 |
| Return on Equity (ROE) | -2.6250% | 6,730 |
| Retained earnings to average equity (ytd only) | -2.6250% | 6,350 |
| Net charge-offs to loans | -0.0124% | 6,009 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8008% | 451 |
| Assets per employee ($millions) | 4.6539% | 2,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2200% | 1,846 |
| Loan loss allowance to noncurrent loans | 59.0629% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 5.7467% | 836 |
| Noncurrent loans to loans | 3.7587% | 1,653 |
| Net loans and leases to total assets | 75.5545% | 856 |
| Net loans and leases to deposits | 80.5231% | 2,143 |
| Net loans and leases to core deposits | 87.7179% | 2,083 |
| Total domestic deposits to total assets | 93.8295% | 97 |
| Equity capital to assets | 5.9819% | 7,078 |
| Core capital (leverage) ratio | 5.9654% | 7,044 |
| Tier 1 risk-based capital ratio | 6.9433% | 7,136 |
| Total risk-based capital ratio | 8.2028% | 7,140 |
| Memoranda: | ||
| Average total assets | $85,329,500 | 5,329 |
| Average earning assets | $72,114,500 | 5,492 |
| Average equity | $5,028,500 | 6,417 |
| Average total loans | $64,773,000 | 4,627 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1272% | 2,343 |
| Cost of funding earning assets | 1.0459% | 3,056 |
| Net interest margin | 4.0813% | 2,522 |
| Noninterest income to average assets | -0.3871% | 7,233 |
| Noninterest expense to average assets | 3.5622% | 1,825 |
| Loan and lease loss provision to assets | 0.2994% | 3,270 |
| Net operating income to assets | -0.7946% | 6,651 |
| Return on assets (ROA) | -0.7946% | 6,685 |
| Pretax return on assets | -0.8015% | 6,646 |
| Return on Equity (ROE) | -12.9035% | 6,833 |
| Retained earnings to average equity (ytd only) | -12.9035% | 6,807 |
| Net charge-offs to loans | 0.7217% | 2,351 |
| Credit loss provision to net charge-offs | 55.1363% | 5,299 |
| Earnings coverage of net charge-offs (x) | -0.9245% | 6,182 |
| Efficiency ratio | 116.4063% | 340 |
| Assets per employee ($millions) | 4.8272% | 2,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2139% | 1,777 |
| Loan loss allowance to noncurrent loans | 133.6127% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 4.6784% | 1,168 |
| Noncurrent loans to loans | 1.6570% | 3,678 |
| Net loans and leases to total assets | 72.9459% | 1,465 |
| Net loans and leases to deposits | 77.5410% | 2,914 |
| Net loans and leases to core deposits | 84.7772% | 2,775 |
| Total domestic deposits to total assets | 94.0740% | 91 |
| Equity capital to assets | 5.8074% | 7,108 |
| Core capital (leverage) ratio | 5.9856% | 7,060 |
| Tier 1 risk-based capital ratio | 6.8765% | 7,165 |
| Total risk-based capital ratio | 8.1347% | 7,164 |
| Memoranda: | ||
| Average total assets | $87,839,000 | 5,243 |
| Average earning assets | $74,192,800 | 5,396 |
| Average equity | $5,409,400 | 6,320 |
| Average total loans | $66,090,600 | 4,628 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1798% | 2,283 |
| Cost of funding earning assets | 1.0976% | 2,994 |
| Net interest margin | 4.0823% | 2,540 |
| Noninterest income to average assets | 0.2483% | 5,842 |
| Noninterest expense to average assets | 3.9995% | 1,003 |
| Loan and lease loss provision to assets | 0.3512% | 2,766 |
| Net operating income to assets | -0.6373% | 6,722 |
| Return on assets (ROA) | -0.6373% | 6,757 |
| Pretax return on assets | -0.6509% | 6,710 |
| Return on Equity (ROE) | -10.2054% | 6,895 |
| Retained earnings to average equity (ytd only) | -10.2054% | 6,860 |
| Net charge-offs to loans | 0.9496% | 1,701 |
| Credit loss provision to net charge-offs | 49.0486% | 5,052 |
| Earnings coverage of net charge-offs (x) | -0.4186% | 5,807 |
| Efficiency ratio | 108.1015% | 463 |
| Assets per employee ($millions) | 4.8399% | 2,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1834% | 1,896 |
| Loan loss allowance to noncurrent loans | 134.6080% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 5.8885% | 918 |
| Noncurrent loans to loans | 1.6220% | 3,868 |
| Net loans and leases to total assets | 76.6648% | 882 |
| Net loans and leases to deposits | 82.2219% | 2,319 |
| Net loans and leases to core deposits | 92.3869% | 1,951 |
| Total domestic deposits to total assets | 93.2413% | 121 |
| Equity capital to assets | 6.4695% | 7,137 |
| Core capital (leverage) ratio | 6.1982% | 7,112 |
| Tier 1 risk-based capital ratio | 7.0279% | 7,244 |
| Total risk-based capital ratio | 8.2860% | 7,243 |
| Memoranda: | ||
| Average total assets | $88,076,500 | 5,269 |
| Average earning assets | $74,466,750 | 5,432 |
| Average equity | $5,500,250 | 6,338 |
| Average total loans | $66,409,000 | 4,655 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0876% | 2,743 |
| Cost of funding earning assets | 1.1556% | 2,869 |
| Net interest margin | 3.9321% | 3,160 |
| Noninterest income to average assets | 0.2889% | 5,568 |
| Noninterest expense to average assets | 4.0352% | 995 |
| Loan and lease loss provision to assets | 0.1000% | 5,072 |
| Net operating income to assets | -0.4844% | 6,674 |
| Return on assets (ROA) | -0.4844% | 6,702 |
| Pretax return on assets | -0.5044% | 6,659 |
| Return on Equity (ROE) | -7.8427% | 6,860 |
| Retained earnings to average equity (ytd only) | -7.8427% | 6,768 |
| Net charge-offs to loans | 0.7547% | 1,987 |
| Credit loss provision to net charge-offs | 17.7866% | 5,163 |
| Earnings coverage of net charge-offs (x) | -0.7194% | 5,580 |
| Efficiency ratio | 111.1383% | 460 |
| Assets per employee ($millions) | 5.4078% | 1,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2042% | 1,913 |
| Loan loss allowance to noncurrent loans | 314.6288% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 4.6697% | 1,337 |
| Noncurrent loans to loans | 0.7006% | 5,504 |
| Net loans and leases to total assets | 69.5452% | 2,308 |
| Net loans and leases to deposits | 74.1800% | 3,780 |
| Net loans and leases to core deposits | 86.4384% | 2,837 |
| Total domestic deposits to total assets | 93.7520% | 90 |
| Equity capital to assets | 6.0065% | 7,240 |
| Core capital (leverage) ratio | 6.0849% | 7,182 |
| Tier 1 risk-based capital ratio | 7.1493% | 7,303 |
| Total risk-based capital ratio | 8.4075% | 7,305 |
| Memoranda: | ||
| Average total assets | $90,009,000 | 5,255 |
| Average earning assets | $76,499,330 | 5,416 |
| Average equity | $5,559,330 | 6,353 |
| Average total loans | $67,049,670 | 4,679 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2218% | 2,148 |
| Cost of funding earning assets | 1.2302% | 2,630 |
| Net interest margin | 3.9916% | 2,717 |
| Noninterest income to average assets | 0.1572% | 6,596 |
| Noninterest expense to average assets | 4.6358% | 515 |
| Loan and lease loss provision to assets | 0.2021% | 3,617 |
| Net operating income to assets | -1.2757% | 7,125 |
| Return on assets (ROA) | -1.2757% | 7,131 |
| Pretax return on assets | -1.2847% | 7,092 |
| Return on Equity (ROE) | -20.3657% | 7,222 |
| Retained earnings to average equity (ytd only) | -20.3657% | 7,160 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.4678% | 260 |
| Assets per employee ($millions) | 5.4451% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5433% | 1,401 |
| Loan loss allowance to noncurrent loans | 241.6548% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 5.4436% | 1,118 |
| Noncurrent loans to loans | 1.0525% | 4,951 |
| Net loans and leases to total assets | 70.1243% | 2,103 |
| Net loans and leases to deposits | 74.9103% | 3,612 |
| Net loans and leases to core deposits | 94.8271% | 1,786 |
| Total domestic deposits to total assets | 93.6111% | 94 |
| Equity capital to assets | 5.8747% | 7,299 |
| Core capital (leverage) ratio | 6.1440% | 7,224 |
| Tier 1 risk-based capital ratio | 6.9090% | 7,374 |
| Total risk-based capital ratio | 8.1699% | 7,377 |
| Memoranda: | ||
| Average total assets | $89,047,000 | 5,318 |
| Average earning assets | $75,759,000 | 5,486 |
| Average equity | $5,578,000 | 6,372 |
| Average total loans | $67,886,500 | 4,689 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2502% | 3,361 |
| Cost of funding earning assets | 1.6712% | 1,723 |
| Net interest margin | 3.5790% | 4,918 |
| Noninterest income to average assets | 0.2661% | 5,885 |
| Noninterest expense to average assets | 3.8749% | 1,356 |
| Loan and lease loss provision to assets | 2.5354% | 433 |
| Net operating income to assets | -3.7312% | 7,408 |
| Return on assets (ROA) | -3.7211% | 7,420 |
| Pretax return on assets | -3.0422% | 7,301 |
| Return on Equity (ROE) | -44.0300% | 7,386 |
| Retained earnings to average equity (ytd only) | -44.0300% | 7,380 |
| Net charge-offs to loans | 3.0209% | 546 |
| Credit loss provision to net charge-offs | 111.9250% | 3,911 |
| Earnings coverage of net charge-offs (x) | -0.2282% | 6,303 |
| Efficiency ratio | 115.3962% | 461 |
| Assets per employee ($millions) | 4.7515% | 2,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3841% | 1,566 |
| Loan loss allowance to noncurrent loans | 112.7136% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 6.0706% | 972 |
| Noncurrent loans to loans | 2.1152% | 3,414 |
| Net loans and leases to total assets | 78.9435% | 808 |
| Net loans and leases to deposits | 85.1157% | 2,260 |
| Net loans and leases to core deposits | 116.6376% | 621 |
| Total domestic deposits to total assets | 92.7485% | 161 |
| Equity capital to assets | 6.6856% | 7,213 |
| Core capital (leverage) ratio | 6.1426% | 7,274 |
| Tier 1 risk-based capital ratio | 7.2317% | 7,404 |
| Total risk-based capital ratio | 8.4729% | 7,409 |
| Memoranda: | ||
| Average total assets | $98,841,800 | 5,016 |
| Average earning assets | $85,388,000 | 5,166 |
| Average equity | $8,353,400 | 5,601 |
| Average total loans | $74,117,400 | 4,522 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2030% | 3,812 |
| Cost of funding earning assets | 1.6951% | 1,903 |
| Net interest margin | 3.5078% | 5,262 |
| Noninterest income to average assets | 0.2780% | 5,881 |
| Noninterest expense to average assets | 3.8184% | 1,346 |
| Loan and lease loss provision to assets | 0.6590% | 2,318 |
| Net operating income to assets | -0.7248% | 6,745 |
| Return on assets (ROA) | -0.7164% | 6,785 |
| Pretax return on assets | -1.1484% | 6,919 |
| Return on Equity (ROE) | -8.1221% | 6,843 |
| Retained earnings to average equity (ytd only) | -8.1221% | 6,780 |
| Net charge-offs to loans | 0.6317% | 2,853 |
| Credit loss provision to net charge-offs | 141.4566% | 2,796 |
| Earnings coverage of net charge-offs (x) | -1.0784% | 6,453 |
| Efficiency ratio | 115.1515% | 446 |
| Assets per employee ($millions) | 5.7817% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0850% | 2,038 |
| Loan loss allowance to noncurrent loans | 61.2490% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 4.8679% | 1,337 |
| Noncurrent loans to loans | 3.4042% | 2,335 |
| Net loans and leases to total assets | 69.0401% | 2,974 |
| Net loans and leases to deposits | 81.2682% | 3,225 |
| Net loans and leases to core deposits | 127.9426% | 415 |
| Total domestic deposits to total assets | 84.9534% | 3,638 |
| Equity capital to assets | 8.5241% | 6,250 |
| Core capital (leverage) ratio | 7.5526% | 6,814 |
| Tier 1 risk-based capital ratio | 9.4223% | 7,270 |
| Total risk-based capital ratio | 10.6791% | 7,271 |
| Memoranda: | ||
| Average total assets | $102,170,500 | 4,982 |
| Average earning assets | $88,485,500 | 5,131 |
| Average equity | $9,012,250 | 5,495 |
| Average total loans | $75,355,000 | 4,547 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2007% | 3,956 |
| Cost of funding earning assets | 1.7275% | 1,984 |
| Net interest margin | 3.4732% | 5,355 |
| Noninterest income to average assets | 0.1536% | 6,787 |
| Noninterest expense to average assets | 3.2540% | 2,714 |
| Loan and lease loss provision to assets | 0.4235% | 3,207 |
| Net operating income to assets | -0.3159% | 6,492 |
| Return on assets (ROA) | -0.3033% | 6,521 |
| Pretax return on assets | -0.4865% | 6,575 |
| Return on Equity (ROE) | -3.3998% | 6,557 |
| Retained earnings to average equity (ytd only) | -3.3998% | 6,356 |
| Net charge-offs to loans | 0.7683% | 2,324 |
| Credit loss provision to net charge-offs | 73.6301% | 4,870 |
| Earnings coverage of net charge-offs (x) | -0.1438% | 5,840 |
| Efficiency ratio | 102.6087% | 721 |
| Assets per employee ($millions) | 5.7509% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7509% | 2,900 |
| Loan loss allowance to noncurrent loans | 73.0274% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 4.5626% | 1,444 |
| Noncurrent loans to loans | 2.3977% | 3,262 |
| Net loans and leases to total assets | 70.7388% | 2,731 |
| Net loans and leases to deposits | 83.7395% | 2,920 |
| Net loans and leases to core deposits | 131.6541% | 395 |
| Total domestic deposits to total assets | 84.4749% | 3,883 |
| Equity capital to assets | 8.9658% | 5,501 |
| Core capital (leverage) ratio | 8.3169% | 5,732 |
| Tier 1 risk-based capital ratio | 10.1286% | 6,951 |
| Total risk-based capital ratio | 11.3826% | 6,923 |
| Memoranda: | ||
| Average total assets | $101,537,330 | 5,038 |
| Average earning assets | $88,218,670 | 5,163 |
| Average equity | $9,059,330 | 5,486 |
| Average total loans | $76,013,330 | 4,569 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1418% | 4,337 |
| Cost of funding earning assets | 1.7576% | 2,090 |
| Net interest margin | 3.3842% | 5,642 |
| Noninterest income to average assets | 0.1193% | 7,098 |
| Noninterest expense to average assets | 3.2581% | 2,679 |
| Loan and lease loss provision to assets | 0.2984% | 3,647 |
| Net operating income to assets | -0.2880% | 6,653 |
| Return on assets (ROA) | -0.2626% | 6,677 |
| Pretax return on assets | -0.4177% | 6,729 |
| Return on Equity (ROE) | -2.9502% | 6,736 |
| Retained earnings to average equity (ytd only) | -2.9502% | 6,358 |
| Net charge-offs to loans | 1.3862% | 1,244 |
| Credit loss provision to net charge-offs | 28.1955% | 4,843 |
| Earnings coverage of net charge-offs (x) | -0.1504% | 5,134 |
| Efficiency ratio | 105.1348% | 695 |
| Assets per employee ($millions) | 5.5919% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5907% | 3,492 |
| Loan loss allowance to noncurrent loans | 48.9720% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 4.7876% | 1,376 |
| Noncurrent loans to loans | 3.2482% | 2,460 |
| Net loans and leases to total assets | 73.2015% | 2,151 |
| Net loans and leases to deposits | 85.7145% | 2,645 |
| Net loans and leases to core deposits | 126.8307% | 563 |
| Total domestic deposits to total assets | 85.4016% | 3,464 |
| Equity capital to assets | 9.2345% | 4,940 |
| Core capital (leverage) ratio | 8.5643% | 5,266 |
| Tier 1 risk-based capital ratio | 10.2621% | 6,829 |
| Total risk-based capital ratio | 11.5145% | 6,829 |
| Memoranda: | ||
| Average total assets | $100,548,000 | 5,132 |
| Average earning assets | $88,529,500 | 5,211 |
| Average equity | $8,948,500 | 5,559 |
| Average total loans | $76,754,500 | 4,621 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1591% | 5,836 |
| Cost of funding earning assets | 2.0321% | 2,810 |
| Net interest margin | 3.1271% | 6,287 |
| Noninterest income to average assets | 0.2349% | 6,426 |
| Noninterest expense to average assets | 3.8244% | 1,653 |
| Loan and lease loss provision to assets | 3.4251% | 458 |
| Net operating income to assets | -3.5445% | 7,519 |
| Return on assets (ROA) | -3.5445% | 7,521 |
| Pretax return on assets | -4.2061% | 7,573 |
| Return on Equity (ROE) | -37.0734% | 7,525 |
| Retained earnings to average equity (ytd only) | -37.0734% | 7,512 |
| Net charge-offs to loans | 3.6561% | 512 |
| Credit loss provision to net charge-offs | 118.4433% | 4,555 |
| Earnings coverage of net charge-offs (x) | -0.2701% | 6,515 |
| Efficiency ratio | 125.6592% | 515 |
| Assets per employee ($millions) | 5.5801% | 1,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7574% | 2,678 |
| Loan loss allowance to noncurrent loans | 35.0139% | 6,097 |
| Noncurrent assets plus other real estate owned to assets | 4.8636% | 1,287 |
| Noncurrent loans to loans | 5.0193% | 1,350 |
| Net loans and leases to total assets | 76.9158% | 1,601 |
| Net loans and leases to deposits | 88.8346% | 2,414 |
| Net loans and leases to core deposits | 146.7415% | 592 |
| Total domestic deposits to total assets | 86.5832% | 2,712 |
| Equity capital to assets | 8.5642% | 5,781 |
| Core capital (leverage) ratio | 7.6941% | 6,562 |
| Tier 1 risk-based capital ratio | 9.3170% | 7,323 |
| Total risk-based capital ratio | 10.5622% | 7,313 |
| Memoranda: | ||
| Average total assets | $102,185,600 | 5,035 |
| Average earning assets | $91,779,200 | 5,064 |
| Average equity | $9,769,800 | 5,363 |
| Average total loans | $80,824,800 | 4,480 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1153% | 6,213 |
| Cost of funding earning assets | 2.0562% | 3,089 |
| Net interest margin | 3.0591% | 6,436 |
| Noninterest income to average assets | 0.2754% | 6,264 |
| Noninterest expense to average assets | 3.8522% | 1,510 |
| Loan and lease loss provision to assets | 3.4430% | 390 |
| Net operating income to assets | -4.2615% | 7,775 |
| Return on assets (ROA) | -4.2615% | 7,778 |
| Pretax return on assets | -4.2615% | 7,727 |
| Return on Equity (ROE) | -43.4638% | 7,785 |
| Retained earnings to average equity (ytd only) | -43.4638% | 7,782 |
| Net charge-offs to loans | 1.2207% | 1,673 |
| Credit loss provision to net charge-offs | 355.7047% | 1,154 |
| Earnings coverage of net charge-offs (x) | -0.8456% | 6,601 |
| Efficiency ratio | 126.9807% | 505 |
| Assets per employee ($millions) | 6.1431% | 1,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3561% | 478 |
| Loan loss allowance to noncurrent loans | 48.7553% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 6.2826% | 828 |
| Noncurrent loans to loans | 6.8836% | 789 |
| Net loans and leases to total assets | 75.6090% | 2,072 |
| Net loans and leases to deposits | 92.3617% | 2,175 |
| Net loans and leases to core deposits | 145.5001% | 708 |
| Total domestic deposits to total assets | 81.8619% | 4,734 |
| Equity capital to assets | 7.4498% | 7,336 |
| Core capital (leverage) ratio | 7.1668% | 7,291 |
| Tier 1 risk-based capital ratio | 9.0210% | 7,615 |
| Total risk-based capital ratio | 10.2941% | 7,613 |
| Memoranda: | ||
| Average total assets | $102,621,750 | 5,056 |
| Average earning assets | $92,531,000 | 5,085 |
| Average equity | $10,061,750 | 5,320 |
| Average total loans | $81,371,750 | 4,509 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1327% | 6,305 |
| Cost of funding earning assets | 2.0596% | 3,477 |
| Net interest margin | 3.0731% | 6,323 |
| Noninterest income to average assets | 0.3450% | 5,744 |
| Noninterest expense to average assets | 3.3210% | 2,879 |
| Loan and lease loss provision to assets | 1.0194% | 1,662 |
| Net operating income to assets | -1.2253% | 7,127 |
| Return on assets (ROA) | -1.2253% | 7,134 |
| Pretax return on assets | -1.2253% | 6,957 |
| Return on Equity (ROE) | -11.5502% | 7,142 |
| Retained earnings to average equity (ytd only) | -11.5502% | 7,016 |
| Net charge-offs to loans | 0.1108% | 5,052 |
| Credit loss provision to net charge-offs | 1,155.5556% | 432 |
| Earnings coverage of net charge-offs (x) | -2.3333% | 6,371 |
| Efficiency ratio | 106.6079% | 953 |
| Assets per employee ($millions) | 6.2200% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6004% | 2,741 |
| Loan loss allowance to noncurrent loans | 38.5542% | 5,835 |
| Noncurrent assets plus other real estate owned to assets | 4.4004% | 1,289 |
| Noncurrent loans to loans | 4.1510% | 1,601 |
| Net loans and leases to total assets | 76.2890% | 2,112 |
| Net loans and leases to deposits | 96.1031% | 1,778 |
| Net loans and leases to core deposits | 125.3640% | 1,921 |
| Total domestic deposits to total assets | 79.3824% | 5,692 |
| Equity capital to assets | 9.8336% | 4,170 |
| Core capital (leverage) ratio | 10.2075% | 3,088 |
| Tier 1 risk-based capital ratio | 11.7948% | 5,110 |
| Total risk-based capital ratio | 13.0475% | 5,018 |
| Memoranda: | ||
| Average total assets | $102,018,330 | 5,100 |
| Average earning assets | $91,959,670 | 5,126 |
| Average equity | $10,822,330 | 5,130 |
| Average total loans | $81,261,670 | 4,551 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1428% | 6,513 |
| Cost of funding earning assets | 2.0606% | 3,823 |
| Net interest margin | 3.0821% | 6,249 |
| Noninterest income to average assets | 0.5791% | 3,697 |
| Noninterest expense to average assets | 3.2549% | 2,780 |
| Loan and lease loss provision to assets | 0.0799% | 5,952 |
| Net operating income to assets | 0.0280% | 6,188 |
| Return on assets (ROA) | 0.0280% | 6,343 |
| Pretax return on assets | 0.0280% | 6,326 |
| Return on Equity (ROE) | 0.2537% | 6,353 |
| Retained earnings to average equity (ytd only) | 0.2537% | 5,556 |
| Net charge-offs to loans | 0.0049% | 5,633 |
| Credit loss provision to net charge-offs | 2,000.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,152 |
| Efficiency ratio | 96.7933% | 1,277 |
| Assets per employee ($millions) | 5.8083% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0545% | 5,787 |
| Loan loss allowance to noncurrent loans | 48.4163% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 1.7905% | 3,239 |
| Noncurrent loans to loans | 2.1779% | 3,012 |
| Net loans and leases to total assets | 81.3472% | 1,129 |
| Net loans and leases to deposits | 103.6787% | 1,031 |
| Net loans and leases to core deposits | 133.3870% | 1,457 |
| Total domestic deposits to total assets | 78.4608% | 5,873 |
| Equity capital to assets | 11.1676% | 2,840 |
| Core capital (leverage) ratio | 11.3351% | 2,255 |
| Tier 1 risk-based capital ratio | 12.8059% | 4,321 |
| Total risk-based capital ratio | 13.8004% | 4,435 |
| Memoranda: | ||
| Average total assets | $100,157,500 | 5,178 |
| Average earning assets | $90,457,000 | 5,206 |
| Average equity | $11,034,500 | 5,096 |
| Average total loans | $80,902,500 | 4,587 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8744% | 6,164 |
| Cost of funding earning assets | 2.2628% | 5,324 |
| Net interest margin | 3.6116% | 4,833 |
| Noninterest income to average assets | 0.3307% | 6,079 |
| Noninterest expense to average assets | 3.7155% | 1,922 |
| Loan and lease loss provision to assets | 0.1576% | 5,354 |
| Net operating income to assets | -0.3430% | 6,765 |
| Return on assets (ROA) | -0.3018% | 6,600 |
| Pretax return on assets | -0.3018% | 6,466 |
| Return on Equity (ROE) | -2.6357% | 6,578 |
| Retained earnings to average equity (ytd only) | -2.6357% | 6,022 |
| Net charge-offs to loans | 0.3658% | 3,005 |
| Credit loss provision to net charge-offs | 55.2347% | 6,287 |
| Earnings coverage of net charge-offs (x) | -0.6498% | 6,526 |
| Efficiency ratio | 105.2524% | 826 |
| Assets per employee ($millions) | 5.9749% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 5,725 |
| Loan loss allowance to noncurrent loans | 48.7478% | 5,567 |
| Noncurrent assets plus other real estate owned to assets | 1.6904% | 2,876 |
| Noncurrent loans to loans | 2.1296% | 2,593 |
| Net loans and leases to total assets | 78.5526% | 1,991 |
| Net loans and leases to deposits | 98.4077% | 2,068 |
| Net loans and leases to core deposits | 126.6090% | 2,120 |
| Total domestic deposits to total assets | 79.8236% | 5,090 |
| Equity capital to assets | 10.8709% | 3,145 |
| Core capital (leverage) ratio | 10.9404% | 2,633 |
| Tier 1 risk-based capital ratio | 12.5597% | 4,399 |
| Total risk-based capital ratio | 13.5144% | 4,505 |
| Memoranda: | ||
| Average total assets | $97,079,200 | 5,136 |
| Average earning assets | $85,999,800 | 5,231 |
| Average equity | $11,116,600 | 5,094 |
| Average total loans | $75,734,400 | 4,663 |