Home > Bank of Michigan > Performance and Condition Ratios
Bank of Michigan, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0579% | 561 |
| Cost of funding earning assets | 0.3997% | 3,165 |
| Net interest margin | 4.6582% | 489 |
| Noninterest income to average assets | 2.1097% | 333 |
| Noninterest expense to average assets | 4.5782% | 388 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1280% | 1,811 |
| Return on assets (ROA) | 1.1286% | 1,871 |
| Pretax return on assets | 1.7362% | 918 |
| Return on Equity (ROE) | 11.4383% | 1,460 |
| Retained earnings to average equity (ytd only) | 11.4383% | 296 |
| Net charge-offs to loans | 0.2306% | 1,290 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 9.2476% | 2,843 |
| Efficiency ratio | 72.5148% | 2,826 |
| Assets per employee ($millions) | 4.1088% | 3,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0900% | 4,100 |
| Loan loss allowance to noncurrent loans | 159.1049% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.5841% | 3,336 |
| Noncurrent loans to loans | 0.6851% | 3,146 |
| Net loans and leases to total assets | 84.3291% | 358 |
| Net loans and leases to deposits | 107.9516% | 301 |
| Net loans and leases to core deposits | 134.6338% | 213 |
| Total domestic deposits to total assets | 78.1175% | 5,142 |
| Equity capital to assets | 10.3662% | 3,548 |
| Core capital (leverage) ratio | 10.2085% | 3,256 |
| Tier 1 risk-based capital ratio | 12.0214% | 4,934 |
| Total risk-based capital ratio | 13.0959% | 4,961 |
| Memoranda: | ||
| Average total assets | $109,781,200 | 4,264 |
| Average earning assets | $99,073,600 | 4,315 |
| Average equity | $10,832,000 | 4,515 |
| Average total loans | $89,343,600 | 3,603 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9571% | 678 |
| Cost of funding earning assets | 0.4022% | 3,205 |
| Net interest margin | 4.5549% | 584 |
| Noninterest income to average assets | 1.9240% | 381 |
| Noninterest expense to average assets | 4.4934% | 410 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0022% | 2,458 |
| Return on assets (ROA) | 1.0022% | 2,554 |
| Pretax return on assets | 1.5404% | 1,570 |
| Return on Equity (ROE) | 10.2889% | 1,981 |
| Retained earnings to average equity (ytd only) | 10.2889% | 590 |
| Net charge-offs to loans | 0.3150% | 845 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 6.0816% | 3,107 |
| Efficiency ratio | 74.4702% | 2,479 |
| Assets per employee ($millions) | 3.7167% | 4,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 4,179 |
| Loan loss allowance to noncurrent loans | 116.0090% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 0.7955% | 2,896 |
| Noncurrent loans to loans | 0.9556% | 2,592 |
| Net loans and leases to total assets | 82.3248% | 543 |
| Net loans and leases to deposits | 95.8553% | 1,020 |
| Net loans and leases to core deposits | 117.0053% | 554 |
| Total domestic deposits to total assets | 85.8844% | 2,597 |
| Equity capital to assets | 9.9587% | 4,209 |
| Core capital (leverage) ratio | 10.0989% | 3,503 |
| Tier 1 risk-based capital ratio | 11.9428% | 5,112 |
| Total risk-based capital ratio | 13.0500% | 5,121 |
| Memoranda: | ||
| Average total assets | $109,492,000 | 4,309 |
| Average earning assets | $98,792,500 | 4,364 |
| Average equity | $10,665,000 | 4,593 |
| Average total loans | $88,033,500 | 3,668 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9365% | 675 |
| Cost of funding earning assets | 0.4183% | 3,054 |
| Net interest margin | 4.5182% | 618 |
| Noninterest income to average assets | 2.1834% | 323 |
| Noninterest expense to average assets | 4.8832% | 313 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8895% | 2,940 |
| Return on assets (ROA) | 0.8895% | 3,061 |
| Pretax return on assets | 1.3692% | 2,113 |
| Return on Equity (ROE) | 9.2027% | 2,433 |
| Retained earnings to average equity (ytd only) | 9.2027% | 858 |
| Net charge-offs to loans | -0.0139% | 5,031 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1011% | 2,055 |
| Assets per employee ($millions) | 3.4932% | 4,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 2,703 |
| Loan loss allowance to noncurrent loans | 186.0778% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.6169% | 3,563 |
| Noncurrent loans to loans | 0.7585% | 3,219 |
| Net loans and leases to total assets | 80.1836% | 777 |
| Net loans and leases to deposits | 92.9528% | 1,258 |
| Net loans and leases to core deposits | 112.1414% | 742 |
| Total domestic deposits to total assets | 86.2627% | 2,550 |
| Equity capital to assets | 9.9087% | 4,143 |
| Core capital (leverage) ratio | 9.7275% | 3,970 |
| Tier 1 risk-based capital ratio | 11.8711% | 5,237 |
| Total risk-based capital ratio | 13.1220% | 5,132 |
| Memoranda: | ||
| Average total assets | $108,822,330 | 4,361 |
| Average earning assets | $98,004,330 | 4,422 |
| Average equity | $10,518,670 | 4,648 |
| Average total loans | $86,437,330 | 3,723 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8091% | 846 |
| Cost of funding earning assets | 0.4164% | 3,122 |
| Net interest margin | 4.3927% | 743 |
| Noninterest income to average assets | 2.6107% | 255 |
| Noninterest expense to average assets | 4.6824% | 378 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2137% | 1,508 |
| Return on assets (ROA) | 1.2137% | 1,603 |
| Pretax return on assets | 1.8737% | 750 |
| Return on Equity (ROE) | 12.7149% | 1,159 |
| Retained earnings to average equity (ytd only) | 12.7149% | 477 |
| Net charge-offs to loans | -0.0234% | 5,114 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4206% | 3,266 |
| Assets per employee ($millions) | 3.4184% | 5,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 2,780 |
| Loan loss allowance to noncurrent loans | 185.0969% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.5948% | 3,695 |
| Noncurrent loans to loans | 0.7729% | 3,322 |
| Net loans and leases to total assets | 75.8559% | 1,230 |
| Net loans and leases to deposits | 83.9037% | 2,092 |
| Net loans and leases to core deposits | 101.6488% | 1,206 |
| Total domestic deposits to total assets | 90.4083% | 560 |
| Equity capital to assets | 9.3975% | 4,858 |
| Core capital (leverage) ratio | 9.5115% | 4,259 |
| Tier 1 risk-based capital ratio | 12.1973% | 5,111 |
| Total risk-based capital ratio | 13.4491% | 5,020 |
| Memoranda: | ||
| Average total assets | $109,089,000 | 4,389 |
| Average earning assets | $97,981,000 | 4,459 |
| Average equity | $10,413,000 | 4,707 |
| Average total loans | $85,619,500 | 3,757 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7445% | 1,212 |
| Cost of funding earning assets | 0.4809% | 2,872 |
| Net interest margin | 4.2636% | 1,134 |
| Noninterest income to average assets | 1.9308% | 361 |
| Noninterest expense to average assets | 4.1623% | 626 |
| Loan and lease loss provision to assets | -0.0752% | 6,099 |
| Net operating income to assets | 1.1425% | 1,803 |
| Return on assets (ROA) | 1.1425% | 1,870 |
| Pretax return on assets | 1.7504% | 893 |
| Return on Equity (ROE) | 12.7610% | 1,191 |
| Retained earnings to average equity (ytd only) | 12.7610% | 243 |
| Net charge-offs to loans | 0.1277% | 2,750 |
| Credit loss provision to net charge-offs | -79.2079% | 5,481 |
| Earnings coverage of net charge-offs (x) | 17.6535% | 1,909 |
| Efficiency ratio | 71.3021% | 3,327 |
| Assets per employee ($millions) | 3.1988% | 5,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 2,623 |
| Loan loss allowance to noncurrent loans | 183.6795% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.6385% | 3,663 |
| Noncurrent loans to loans | 0.7983% | 3,310 |
| Net loans and leases to total assets | 78.8066% | 905 |
| Net loans and leases to deposits | 90.8306% | 1,428 |
| Net loans and leases to core deposits | 115.0752% | 554 |
| Total domestic deposits to total assets | 86.7622% | 2,410 |
| Equity capital to assets | 9.6863% | 4,486 |
| Core capital (leverage) ratio | 9.8259% | 3,807 |
| Tier 1 risk-based capital ratio | 12.1371% | 5,274 |
| Total risk-based capital ratio | 13.3894% | 5,178 |
| Memoranda: | ||
| Average total assets | $106,431,200 | 4,445 |
| Average earning assets | $97,523,200 | 4,463 |
| Average equity | $9,529,000 | 4,854 |
| Average total loans | $79,066,600 | 3,900 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6642% | 1,396 |
| Cost of funding earning assets | 0.5000% | 2,763 |
| Net interest margin | 4.1642% | 1,388 |
| Noninterest income to average assets | 1.7252% | 437 |
| Noninterest expense to average assets | 4.1131% | 674 |
| Loan and lease loss provision to assets | -0.1000% | 6,274 |
| Net operating income to assets | 1.0139% | 2,391 |
| Return on assets (ROA) | 1.0139% | 2,453 |
| Pretax return on assets | 1.5540% | 1,470 |
| Return on Equity (ROE) | 11.5586% | 1,602 |
| Retained earnings to average equity (ytd only) | 11.5586% | 450 |
| Net charge-offs to loans | 0.0789% | 3,073 |
| Credit loss provision to net charge-offs | -173.9130% | 5,537 |
| Earnings coverage of net charge-offs (x) | 25.2834% | 1,512 |
| Efficiency ratio | 73.8828% | 2,838 |
| Assets per employee ($millions) | 3.2079% | 5,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6550% | 2,119 |
| Loan loss allowance to noncurrent loans | 216.2207% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.5649% | 4,164 |
| Noncurrent loans to loans | 0.7654% | 3,676 |
| Net loans and leases to total assets | 72.5810% | 1,748 |
| Net loans and leases to deposits | 81.3000% | 2,515 |
| Net loans and leases to core deposits | 100.4642% | 1,325 |
| Total domestic deposits to total assets | 89.2756% | 1,091 |
| Equity capital to assets | 9.2414% | 5,095 |
| Core capital (leverage) ratio | 9.1522% | 4,849 |
| Tier 1 risk-based capital ratio | 12.6638% | 5,058 |
| Total risk-based capital ratio | 13.9185% | 4,971 |
| Memoranda: | ||
| Average total assets | $106,648,750 | 4,489 |
| Average earning assets | $98,391,500 | 4,484 |
| Average equity | $9,355,000 | 4,934 |
| Average total loans | $77,726,500 | 3,973 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5590% | 1,644 |
| Cost of funding earning assets | 0.5198% | 2,639 |
| Net interest margin | 4.0392% | 1,692 |
| Noninterest income to average assets | 1.6200% | 486 |
| Noninterest expense to average assets | 4.0220% | 740 |
| Loan and lease loss provision to assets | -0.1497% | 6,429 |
| Net operating income to assets | 0.9765% | 2,429 |
| Return on assets (ROA) | 0.9765% | 2,509 |
| Pretax return on assets | 1.4984% | 1,540 |
| Return on Equity (ROE) | 11.3326% | 1,622 |
| Retained earnings to average equity (ytd only) | 11.3326% | 494 |
| Net charge-offs to loans | 0.0619% | 3,090 |
| Credit loss provision to net charge-offs | -333.3333% | 5,489 |
| Earnings coverage of net charge-offs (x) | 30.0417% | 1,256 |
| Efficiency ratio | 74.8868% | 2,824 |
| Assets per employee ($millions) | 3.7908% | 4,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6687% | 2,238 |
| Loan loss allowance to noncurrent loans | 116.9929% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.9884% | 3,081 |
| Noncurrent loans to loans | 1.4263% | 2,419 |
| Net loans and leases to total assets | 68.1393% | 2,391 |
| Net loans and leases to deposits | 74.4116% | 3,277 |
| Net loans and leases to core deposits | 91.0801% | 2,022 |
| Total domestic deposits to total assets | 91.5707% | 243 |
| Equity capital to assets | 8.3466% | 5,919 |
| Core capital (leverage) ratio | 9.0289% | 4,974 |
| Tier 1 risk-based capital ratio | 12.4063% | 5,294 |
| Total risk-based capital ratio | 13.6616% | 5,210 |
| Memoranda: | ||
| Average total assets | $106,911,330 | 4,514 |
| Average earning assets | $99,276,670 | 4,487 |
| Average equity | $9,212,330 | 4,979 |
| Average total loans | $77,592,670 | 3,983 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6932% | 1,266 |
| Cost of funding earning assets | 0.5399% | 2,505 |
| Net interest margin | 4.1533% | 1,331 |
| Noninterest income to average assets | 1.4260% | 577 |
| Noninterest expense to average assets | 3.9225% | 831 |
| Loan and lease loss provision to assets | -0.3092% | 6,618 |
| Net operating income to assets | 1.0898% | 1,855 |
| Return on assets (ROA) | 1.0898% | 1,920 |
| Pretax return on assets | 1.6772% | 1,022 |
| Return on Equity (ROE) | 12.4332% | 1,301 |
| Retained earnings to average equity (ytd only) | 12.4332% | 551 |
| Net charge-offs to loans | -0.1299% | 6,230 |
| Credit loss provision to net charge-offs | 320.0000% | 764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1417% | 3,115 |
| Assets per employee ($millions) | 3.5561% | 4,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8099% | 2,008 |
| Loan loss allowance to noncurrent loans | 114.4416% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.1164% | 3,025 |
| Noncurrent loans to loans | 1.5815% | 2,446 |
| Net loans and leases to total assets | 69.3112% | 2,012 |
| Net loans and leases to deposits | 75.9015% | 2,821 |
| Net loans and leases to core deposits | 98.2618% | 1,222 |
| Total domestic deposits to total assets | 91.3173% | 444 |
| Equity capital to assets | 8.6395% | 5,505 |
| Core capital (leverage) ratio | 8.8956% | 5,149 |
| Tier 1 risk-based capital ratio | 12.5821% | 5,268 |
| Total risk-based capital ratio | 13.8406% | 5,198 |
| Memoranda: | ||
| Average total assets | $103,505,500 | 4,643 |
| Average earning assets | $96,310,000 | 4,613 |
| Average equity | $9,072,500 | 5,030 |
| Average total loans | $76,986,500 | 4,033 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3920% | 443 |
| Cost of funding earning assets | 0.5981% | 2,679 |
| Net interest margin | 4.7939% | 439 |
| Noninterest income to average assets | 1.8398% | 449 |
| Noninterest expense to average assets | 4.2713% | 650 |
| Loan and lease loss provision to assets | 0.2974% | 1,138 |
| Net operating income to assets | 1.0686% | 2,044 |
| Return on assets (ROA) | 1.0686% | 2,126 |
| Pretax return on assets | 1.6207% | 1,118 |
| Return on Equity (ROE) | 12.2036% | 1,354 |
| Retained earnings to average equity (ytd only) | 12.2036% | 298 |
| Net charge-offs to loans | 1.0167% | 565 |
| Credit loss provision to net charge-offs | 35.4037% | 4,143 |
| Earnings coverage of net charge-offs (x) | 2.2832% | 4,254 |
| Efficiency ratio | 69.0103% | 4,013 |
| Assets per employee ($millions) | 3.4596% | 4,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8026% | 2,060 |
| Loan loss allowance to noncurrent loans | 91.3660% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 1.5469% | 2,410 |
| Noncurrent loans to loans | 1.9729% | 2,022 |
| Net loans and leases to total assets | 76.9962% | 953 |
| Net loans and leases to deposits | 84.5923% | 1,854 |
| Net loans and leases to core deposits | 105.4451% | 822 |
| Total domestic deposits to total assets | 91.0204% | 560 |
| Equity capital to assets | 8.8989% | 5,148 |
| Core capital (leverage) ratio | 9.2724% | 4,601 |
| Tier 1 risk-based capital ratio | 11.8329% | 5,715 |
| Total risk-based capital ratio | 13.0909% | 5,648 |
| Memoranda: | ||
| Average total assets | $95,825,200 | 4,842 |
| Average earning assets | $86,944,000 | 4,855 |
| Average equity | $8,391,000 | 5,240 |
| Average total loans | $79,180,600 | 3,961 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4979% | 375 |
| Cost of funding earning assets | 0.6142% | 2,697 |
| Net interest margin | 4.8837% | 376 |
| Noninterest income to average assets | 1.7683% | 496 |
| Noninterest expense to average assets | 4.2731% | 649 |
| Loan and lease loss provision to assets | 0.3999% | 758 |
| Net operating income to assets | 0.9870% | 2,433 |
| Return on assets (ROA) | 0.9870% | 2,531 |
| Pretax return on assets | 1.4952% | 1,628 |
| Return on Equity (ROE) | 11.3197% | 1,697 |
| Retained earnings to average equity (ytd only) | 11.3197% | 518 |
| Net charge-offs to loans | 1.3130% | 403 |
| Credit loss provision to net charge-offs | 36.3636% | 3,778 |
| Earnings coverage of net charge-offs (x) | 1.7234% | 4,264 |
| Efficiency ratio | 69.2764% | 3,876 |
| Assets per employee ($millions) | 3.7566% | 4,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8310% | 2,203 |
| Loan loss allowance to noncurrent loans | 89.6766% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.6463% | 2,499 |
| Noncurrent loans to loans | 2.0417% | 2,205 |
| Net loans and leases to total assets | 79.1576% | 633 |
| Net loans and leases to deposits | 87.0398% | 1,487 |
| Net loans and leases to core deposits | 113.2292% | 470 |
| Total domestic deposits to total assets | 90.9441% | 559 |
| Equity capital to assets | 8.8112% | 5,406 |
| Core capital (leverage) ratio | 8.8277% | 5,364 |
| Tier 1 risk-based capital ratio | 11.0013% | 6,282 |
| Total risk-based capital ratio | 12.2583% | 6,241 |
| Memoranda: | ||
| Average total assets | $94,699,750 | 4,918 |
| Average earning assets | $85,315,500 | 4,946 |
| Average equity | $8,256,750 | 5,323 |
| Average total loans | $79,309,250 | 3,993 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5823% | 331 |
| Cost of funding earning assets | 0.6208% | 2,766 |
| Net interest margin | 4.9615% | 329 |
| Noninterest income to average assets | 1.8910% | 482 |
| Noninterest expense to average assets | 4.3027% | 625 |
| Loan and lease loss provision to assets | 0.6083% | 417 |
| Net operating income to assets | 0.9668% | 2,484 |
| Return on assets (ROA) | 0.9668% | 2,630 |
| Pretax return on assets | 1.4662% | 1,719 |
| Return on Equity (ROE) | 11.1298% | 1,776 |
| Retained earnings to average equity (ytd only) | 11.1298% | 623 |
| Net charge-offs to loans | 0.8277% | 754 |
| Credit loss provision to net charge-offs | 86.6261% | 2,507 |
| Earnings coverage of net charge-offs (x) | 2.9544% | 3,546 |
| Efficiency ratio | 67.4699% | 4,268 |
| Assets per employee ($millions) | 3.8731% | 4,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4482% | 1,040 |
| Loan loss allowance to noncurrent loans | 91.4134% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 2.1409% | 2,011 |
| Noncurrent loans to loans | 2.6781% | 1,704 |
| Net loans and leases to total assets | 77.9844% | 749 |
| Net loans and leases to deposits | 85.6239% | 1,604 |
| Net loans and leases to core deposits | 119.0146% | 333 |
| Total domestic deposits to total assets | 91.0779% | 521 |
| Equity capital to assets | 8.6309% | 5,635 |
| Core capital (leverage) ratio | 8.6407% | 5,499 |
| Tier 1 risk-based capital ratio | 10.9859% | 6,339 |
| Total risk-based capital ratio | 12.2510% | 6,308 |
| Memoranda: | ||
| Average total assets | $93,709,330 | 4,967 |
| Average earning assets | $84,732,330 | 4,990 |
| Average equity | $8,140,330 | 5,398 |
| Average total loans | $79,493,670 | 3,995 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6700% | 284 |
| Cost of funding earning assets | 0.6645% | 2,529 |
| Net interest margin | 5.0054% | 294 |
| Noninterest income to average assets | 2.3266% | 348 |
| Noninterest expense to average assets | 4.4015% | 581 |
| Loan and lease loss provision to assets | 0.7726% | 285 |
| Net operating income to assets | 1.1199% | 1,777 |
| Return on assets (ROA) | 1.1199% | 1,889 |
| Pretax return on assets | 1.6972% | 1,081 |
| Return on Equity (ROE) | 12.8486% | 1,205 |
| Retained earnings to average equity (ytd only) | 12.8486% | 576 |
| Net charge-offs to loans | 0.6258% | 974 |
| Credit loss provision to net charge-offs | 141.2698% | 1,425 |
| Earnings coverage of net charge-offs (x) | 4.5159% | 2,534 |
| Efficiency ratio | 64.0556% | 5,003 |
| Assets per employee ($millions) | 3.8211% | 4,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4720% | 1,147 |
| Loan loss allowance to noncurrent loans | 85.3042% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 2.5451% | 1,802 |
| Noncurrent loans to loans | 2.8979% | 1,738 |
| Net loans and leases to total assets | 85.6543% | 132 |
| Net loans and leases to deposits | 94.2808% | 655 |
| Net loans and leases to core deposits | 140.8987% | 123 |
| Total domestic deposits to total assets | 90.8502% | 593 |
| Equity capital to assets | 8.8990% | 5,616 |
| Core capital (leverage) ratio | 8.1490% | 5,992 |
| Tier 1 risk-based capital ratio | 10.3307% | 6,627 |
| Total risk-based capital ratio | 11.6007% | 6,606 |
| Memoranda: | ||
| Average total assets | $92,150,500 | 5,047 |
| Average earning assets | $83,669,000 | 5,053 |
| Average equity | $8,032,000 | 5,477 |
| Average total loans | $80,538,000 | 3,999 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3953% | 767 |
| Cost of funding earning assets | 0.8272% | 2,442 |
| Net interest margin | 4.5681% | 829 |
| Noninterest income to average assets | 1.3850% | 819 |
| Noninterest expense to average assets | 4.0190% | 957 |
| Loan and lease loss provision to assets | 0.8814% | 519 |
| Net operating income to assets | 0.4345% | 4,949 |
| Return on assets (ROA) | 0.4345% | 5,193 |
| Pretax return on assets | 0.6693% | 4,763 |
| Return on Equity (ROE) | 5.0909% | 4,641 |
| Retained earnings to average equity (ytd only) | 5.0909% | 2,651 |
| Net charge-offs to loans | 0.4757% | 2,335 |
| Credit loss provision to net charge-offs | 226.5306% | 1,099 |
| Earnings coverage of net charge-offs (x) | 3.9854% | 3,524 |
| Efficiency ratio | 72.1589% | 3,387 |
| Assets per employee ($millions) | 4.2088% | 3,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4077% | 1,221 |
| Loan loss allowance to noncurrent loans | 172.8164% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 1.2117% | 3,638 |
| Noncurrent loans to loans | 1.3932% | 3,516 |
| Net loans and leases to total assets | 84.8813% | 179 |
| Net loans and leases to deposits | 92.9030% | 837 |
| Net loans and leases to core deposits | 136.0764% | 146 |
| Total domestic deposits to total assets | 91.3655% | 379 |
| Equity capital to assets | 8.5351% | 6,022 |
| Core capital (leverage) ratio | 8.7411% | 5,264 |
| Tier 1 risk-based capital ratio | 10.0495% | 6,684 |
| Total risk-based capital ratio | 11.3150% | 6,653 |
| Memoranda: | ||
| Average total assets | $88,157,200 | 5,138 |
| Average earning assets | $80,756,200 | 5,109 |
| Average equity | $7,523,200 | 5,632 |
| Average total loans | $72,107,800 | 4,272 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3411% | 939 |
| Cost of funding earning assets | 0.8710% | 2,385 |
| Net interest margin | 4.4701% | 1,047 |
| Noninterest income to average assets | 1.2790% | 905 |
| Noninterest expense to average assets | 3.9502% | 999 |
| Loan and lease loss provision to assets | 0.9374% | 457 |
| Net operating income to assets | 0.3247% | 5,525 |
| Return on assets (ROA) | 0.3247% | 5,729 |
| Pretax return on assets | 0.5024% | 5,460 |
| Return on Equity (ROE) | 3.8052% | 5,366 |
| Retained earnings to average equity (ytd only) | 3.8052% | 4,212 |
| Net charge-offs to loans | 0.2971% | 2,951 |
| Credit loss provision to net charge-offs | 392.3077% | 687 |
| Earnings coverage of net charge-offs (x) | 6.0258% | 2,867 |
| Efficiency ratio | 73.2879% | 3,103 |
| Assets per employee ($millions) | 4.2584% | 3,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6331% | 1,048 |
| Loan loss allowance to noncurrent loans | 170.3736% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 1.3514% | 3,595 |
| Noncurrent loans to loans | 1.5455% | 3,472 |
| Net loans and leases to total assets | 85.1423% | 180 |
| Net loans and leases to deposits | 93.7624% | 806 |
| Net loans and leases to core deposits | 138.0667% | 147 |
| Total domestic deposits to total assets | 90.8064% | 470 |
| Equity capital to assets | 9.0774% | 5,744 |
| Core capital (leverage) ratio | 8.6902% | 5,488 |
| Tier 1 risk-based capital ratio | 10.6061% | 6,630 |
| Total risk-based capital ratio | 11.8741% | 6,613 |
| Memoranda: | ||
| Average total assets | $87,048,000 | 5,209 |
| Average earning assets | $80,056,250 | 5,178 |
| Average equity | $7,428,250 | 5,718 |
| Average total loans | $70,001,250 | 4,398 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1846% | 1,298 |
| Cost of funding earning assets | 0.9030% | 2,377 |
| Net interest margin | 4.2816% | 1,516 |
| Noninterest income to average assets | 1.1041% | 1,176 |
| Noninterest expense to average assets | 3.7571% | 1,286 |
| Loan and lease loss provision to assets | 1.2911% | 308 |
| Net operating income to assets | -0.0114% | 6,337 |
| Return on assets (ROA) | -0.0114% | 6,469 |
| Pretax return on assets | -0.0068% | 6,455 |
| Return on Equity (ROE) | -0.1365% | 6,472 |
| Retained earnings to average equity (ytd only) | -0.1365% | 6,066 |
| Net charge-offs to loans | 0.3445% | 2,636 |
| Credit loss provision to net charge-offs | 479.6610% | 631 |
| Earnings coverage of net charge-offs (x) | 4.7712% | 2,990 |
| Efficiency ratio | 74.5249% | 2,987 |
| Assets per employee ($millions) | 5.2887% | 1,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7176% | 1,015 |
| Loan loss allowance to noncurrent loans | 173.6000% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 1.8563% | 2,959 |
| Noncurrent loans to loans | 1.5654% | 3,563 |
| Net loans and leases to total assets | 77.7606% | 752 |
| Net loans and leases to deposits | 84.7872% | 1,747 |
| Net loans and leases to core deposits | 134.6060% | 179 |
| Total domestic deposits to total assets | 91.7126% | 276 |
| Equity capital to assets | 8.2017% | 6,448 |
| Core capital (leverage) ratio | 8.4474% | 5,717 |
| Tier 1 risk-based capital ratio | 10.4309% | 6,720 |
| Total risk-based capital ratio | 11.7000% | 6,697 |
| Memoranda: | ||
| Average total assets | $87,674,670 | 5,234 |
| Average earning assets | $80,624,000 | 5,185 |
| Average equity | $7,327,330 | 5,756 |
| Average total loans | $68,510,000 | 4,470 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1256% | 1,507 |
| Cost of funding earning assets | 0.9342% | 2,410 |
| Net interest margin | 4.1914% | 1,782 |
| Noninterest income to average assets | 0.7348% | 2,468 |
| Noninterest expense to average assets | 3.5398% | 1,683 |
| Loan and lease loss provision to assets | 2.0749% | 134 |
| Net operating income to assets | -0.6701% | 6,898 |
| Return on assets (ROA) | -0.6701% | 6,921 |
| Pretax return on assets | -1.0028% | 6,979 |
| Return on Equity (ROE) | -7.9409% | 6,950 |
| Retained earnings to average equity (ytd only) | -7.9409% | 6,762 |
| Net charge-offs to loans | 0.3232% | 2,360 |
| Credit loss provision to net charge-offs | 831.4815% | 422 |
| Earnings coverage of net charge-offs (x) | 4.2963% | 2,602 |
| Efficiency ratio | 76.7535% | 2,679 |
| Assets per employee ($millions) | 5.8287% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7832% | 1,027 |
| Loan loss allowance to noncurrent loans | 137.0851% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 2.2075% | 2,686 |
| Noncurrent loans to loans | 2.0303% | 3,111 |
| Net loans and leases to total assets | 75.9067% | 810 |
| Net loans and leases to deposits | 82.9326% | 1,801 |
| Net loans and leases to core deposits | 115.2228% | 398 |
| Total domestic deposits to total assets | 91.5282% | 368 |
| Equity capital to assets | 8.2717% | 6,289 |
| Core capital (leverage) ratio | 8.2513% | 5,951 |
| Tier 1 risk-based capital ratio | 10.5893% | 6,711 |
| Total risk-based capital ratio | 11.8586% | 6,691 |
| Memoranda: | ||
| Average total assets | $86,558,000 | 5,303 |
| Average earning assets | $80,068,500 | 5,245 |
| Average equity | $7,304,000 | 5,788 |
| Average total loans | $66,832,000 | 4,553 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0469% | 2,672 |
| Cost of funding earning assets | 1.0130% | 3,280 |
| Net interest margin | 4.0339% | 2,713 |
| Noninterest income to average assets | 1.3276% | 733 |
| Noninterest expense to average assets | 3.5553% | 1,848 |
| Loan and lease loss provision to assets | 0.8019% | 1,222 |
| Net operating income to assets | 0.5160% | 4,357 |
| Return on assets (ROA) | 0.5160% | 4,564 |
| Pretax return on assets | 0.7523% | 4,146 |
| Return on Equity (ROE) | 5.9671% | 3,889 |
| Retained earnings to average equity (ytd only) | 5.9671% | 2,037 |
| Net charge-offs to loans | 0.8183% | 2,113 |
| Credit loss provision to net charge-offs | 126.0952% | 2,471 |
| Earnings coverage of net charge-offs (x) | 2.4438% | 3,991 |
| Efficiency ratio | 69.5827% | 4,044 |
| Assets per employee ($millions) | 6.1204% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3013% | 1,614 |
| Loan loss allowance to noncurrent loans | 210.4895% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 1.6222% | 3,524 |
| Noncurrent loans to loans | 1.0933% | 4,526 |
| Net loans and leases to total assets | 74.5673% | 1,163 |
| Net loans and leases to deposits | 81.7276% | 2,241 |
| Net loans and leases to core deposits | 130.1734% | 234 |
| Total domestic deposits to total assets | 91.2388% | 415 |
| Equity capital to assets | 8.6083% | 6,005 |
| Core capital (leverage) ratio | 8.8034% | 5,097 |
| Tier 1 risk-based capital ratio | 11.3140% | 6,284 |
| Total risk-based capital ratio | 12.5776% | 6,259 |
| Memoranda: | ||
| Average total assets | $82,552,200 | 5,383 |
| Average earning assets | $77,393,800 | 5,301 |
| Average equity | $7,139,200 | 5,829 |
| Average total loans | $64,157,400 | 4,706 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0205% | 2,994 |
| Cost of funding earning assets | 1.0281% | 3,481 |
| Net interest margin | 3.9924% | 2,946 |
| Noninterest income to average assets | 1.3729% | 690 |
| Noninterest expense to average assets | 3.6052% | 1,698 |
| Loan and lease loss provision to assets | 0.8658% | 1,050 |
| Net operating income to assets | 0.4256% | 4,877 |
| Return on assets (ROA) | 0.4256% | 5,072 |
| Pretax return on assets | 0.6506% | 4,647 |
| Return on Equity (ROE) | 4.9151% | 4,565 |
| Retained earnings to average equity (ytd only) | 4.9151% | 3,233 |
| Net charge-offs to loans | 1.0420% | 1,535 |
| Credit loss provision to net charge-offs | 106.4128% | 3,111 |
| Earnings coverage of net charge-offs (x) | 1.8637% | 4,270 |
| Efficiency ratio | 70.3916% | 3,884 |
| Assets per employee ($millions) | 5.9569% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1895% | 1,885 |
| Loan loss allowance to noncurrent loans | 86.1538% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 2.1884% | 2,915 |
| Noncurrent loans to loans | 2.5414% | 2,728 |
| Net loans and leases to total assets | 74.9928% | 1,143 |
| Net loans and leases to deposits | 82.2475% | 2,312 |
| Net loans and leases to core deposits | 139.0140% | 183 |
| Total domestic deposits to total assets | 91.1794% | 386 |
| Equity capital to assets | 8.6443% | 6,149 |
| Core capital (leverage) ratio | 8.3584% | 5,913 |
| Tier 1 risk-based capital ratio | 11.0512% | 6,513 |
| Total risk-based capital ratio | 12.3136% | 6,490 |
| Memoranda: | ||
| Average total assets | $81,769,000 | 5,443 |
| Average earning assets | $76,776,750 | 5,361 |
| Average equity | $7,080,000 | 5,886 |
| Average total loans | $63,847,250 | 4,759 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0692% | 2,836 |
| Cost of funding earning assets | 1.0238% | 3,789 |
| Net interest margin | 4.0454% | 2,631 |
| Noninterest income to average assets | 1.3887% | 661 |
| Noninterest expense to average assets | 3.5703% | 1,812 |
| Loan and lease loss provision to assets | 0.7855% | 1,176 |
| Net operating income to assets | 0.5417% | 4,330 |
| Return on assets (ROA) | 0.5417% | 4,468 |
| Pretax return on assets | 0.8273% | 3,918 |
| Return on Equity (ROE) | 6.2527% | 3,821 |
| Retained earnings to average equity (ytd only) | 6.2527% | 2,266 |
| Net charge-offs to loans | 0.8242% | 1,859 |
| Credit loss provision to net charge-offs | 121.2928% | 2,512 |
| Earnings coverage of net charge-offs (x) | 2.4905% | 3,580 |
| Efficiency ratio | 68.8836% | 4,345 |
| Assets per employee ($millions) | 5.8493% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2783% | 1,783 |
| Loan loss allowance to noncurrent loans | 84.3102% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 2.3068% | 2,852 |
| Noncurrent loans to loans | 2.7023% | 2,696 |
| Net loans and leases to total assets | 74.5866% | 1,308 |
| Net loans and leases to deposits | 82.0513% | 2,449 |
| Net loans and leases to core deposits | 132.0313% | 251 |
| Total domestic deposits to total assets | 90.9024% | 538 |
| Equity capital to assets | 8.7569% | 5,866 |
| Core capital (leverage) ratio | 8.6321% | 5,342 |
| Tier 1 risk-based capital ratio | 11.1652% | 6,404 |
| Total risk-based capital ratio | 12.4284% | 6,390 |
| Memoranda: | ||
| Average total assets | $81,226,670 | 5,513 |
| Average earning assets | $76,185,330 | 5,430 |
| Average equity | $7,037,000 | 5,914 |
| Average total loans | $63,816,000 | 4,803 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0288% | 2,964 |
| Cost of funding earning assets | 1.0446% | 3,891 |
| Net interest margin | 3.9842% | 2,752 |
| Noninterest income to average assets | 1.3103% | 748 |
| Noninterest expense to average assets | 3.4563% | 2,126 |
| Loan and lease loss provision to assets | 1.3252% | 511 |
| Net operating income to assets | 0.1830% | 5,841 |
| Return on assets (ROA) | 0.1830% | 5,898 |
| Pretax return on assets | 0.2818% | 5,710 |
| Return on Equity (ROE) | 2.1234% | 5,741 |
| Retained earnings to average equity (ytd only) | 2.1234% | 4,865 |
| Net charge-offs to loans | 0.8376% | 1,570 |
| Credit loss provision to net charge-offs | 198.5185% | 1,499 |
| Earnings coverage of net charge-offs (x) | 2.4074% | 3,116 |
| Efficiency ratio | 68.2617% | 4,608 |
| Assets per employee ($millions) | 5.7084% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3512% | 1,676 |
| Loan loss allowance to noncurrent loans | 71.6810% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 2.9531% | 2,344 |
| Noncurrent loans to loans | 3.2801% | 2,292 |
| Net loans and leases to total assets | 78.0047% | 726 |
| Net loans and leases to deposits | 85.6799% | 1,782 |
| Net loans and leases to core deposits | 141.3968% | 187 |
| Total domestic deposits to total assets | 91.0420% | 607 |
| Equity capital to assets | 8.7441% | 5,589 |
| Core capital (leverage) ratio | 8.4427% | 5,559 |
| Tier 1 risk-based capital ratio | 10.7327% | 6,675 |
| Total risk-based capital ratio | 11.9963% | 6,653 |
| Memoranda: | ||
| Average total assets | $80,895,000 | 5,566 |
| Average earning assets | $76,201,000 | 5,467 |
| Average equity | $6,970,000 | 5,938 |
| Average total loans | $64,472,500 | 4,824 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3097% | 6,779 |
| Cost of funding earning assets | 1.0488% | 5,435 |
| Net interest margin | 3.2609% | 6,101 |
| Noninterest income to average assets | 0.7440% | 2,570 |
| Noninterest expense to average assets | 2.7267% | 4,867 |
| Loan and lease loss provision to assets | 1.5310% | 963 |
| Net operating income to assets | -0.2798% | 6,195 |
| Return on assets (ROA) | -0.2798% | 6,240 |
| Pretax return on assets | -0.4150% | 6,254 |
| Return on Equity (ROE) | -3.8108% | 6,346 |
| Retained earnings to average equity (ytd only) | -3.8108% | 6,190 |
| Net charge-offs to loans | 1.9968% | 1,015 |
| Credit loss provision to net charge-offs | 115.4941% | 3,741 |
| Earnings coverage of net charge-offs (x) | 0.8419% | 5,288 |
| Efficiency ratio | 70.9572% | 3,999 |
| Assets per employee ($millions) | 5.4582% | 1,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1012% | 2,068 |
| Loan loss allowance to noncurrent loans | 59.1696% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 3.1488% | 2,250 |
| Noncurrent loans to loans | 3.5512% | 2,124 |
| Net loans and leases to total assets | 77.8486% | 971 |
| Net loans and leases to deposits | 85.2829% | 2,227 |
| Net loans and leases to core deposits | 129.2840% | 342 |
| Total domestic deposits to total assets | 91.2828% | 471 |
| Equity capital to assets | 8.4912% | 5,864 |
| Core capital (leverage) ratio | 7.6746% | 6,564 |
| Tier 1 risk-based capital ratio | 10.3260% | 6,811 |
| Total risk-based capital ratio | 11.5874% | 6,776 |
| Memoranda: | ||
| Average total assets | $95,428,400 | 5,116 |
| Average earning assets | $90,679,200 | 4,996 |
| Average equity | $7,006,400 | 6,033 |
| Average total loans | $63,350,600 | 4,939 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0984% | 7,202 |
| Cost of funding earning assets | 1.0587% | 5,656 |
| Net interest margin | 3.0397% | 6,750 |
| Noninterest income to average assets | 0.5910% | 3,499 |
| Noninterest expense to average assets | 2.5933% | 5,352 |
| Loan and lease loss provision to assets | 1.5651% | 838 |
| Net operating income to assets | -0.4520% | 6,561 |
| Return on assets (ROA) | -0.4520% | 6,600 |
| Pretax return on assets | -0.6773% | 6,663 |
| Return on Equity (ROE) | -6.3627% | 6,749 |
| Retained earnings to average equity (ytd only) | -6.3627% | 6,669 |
| Net charge-offs to loans | 2.1702% | 844 |
| Credit loss provision to net charge-offs | 113.2813% | 3,700 |
| Earnings coverage of net charge-offs (x) | 0.6426% | 5,397 |
| Efficiency ratio | 74.4961% | 3,229 |
| Assets per employee ($millions) | 5.7732% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0951% | 2,007 |
| Loan loss allowance to noncurrent loans | 48.0529% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 3.4504% | 2,063 |
| Noncurrent loans to loans | 4.3599% | 1,670 |
| Net loans and leases to total assets | 70.5836% | 2,594 |
| Net loans and leases to deposits | 76.8749% | 4,029 |
| Net loans and leases to core deposits | 119.7242% | 621 |
| Total domestic deposits to total assets | 91.8162% | 227 |
| Equity capital to assets | 7.9505% | 6,841 |
| Core capital (leverage) ratio | 6.8817% | 7,220 |
| Tier 1 risk-based capital ratio | 10.7251% | 6,616 |
| Total risk-based capital ratio | 11.9865% | 6,584 |
| Memoranda: | ||
| Average total assets | $98,817,250 | 5,083 |
| Average earning assets | $93,953,250 | 4,950 |
| Average equity | $7,020,000 | 6,104 |
| Average total loans | $62,912,000 | 5,034 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 7,416 |
| Cost of funding earning assets | 1.0813% | 5,774 |
| Net interest margin | 2.8323% | 7,106 |
| Noninterest income to average assets | 0.5404% | 3,792 |
| Noninterest expense to average assets | 2.4162% | 6,020 |
| Loan and lease loss provision to assets | 1.6542% | 777 |
| Net operating income to assets | -0.5598% | 6,709 |
| Return on assets (ROA) | -0.5598% | 6,739 |
| Pretax return on assets | -0.8417% | 6,810 |
| Return on Equity (ROE) | -8.1529% | 6,899 |
| Retained earnings to average equity (ytd only) | -8.1529% | 6,825 |
| Net charge-offs to loans | 2.5653% | 660 |
| Credit loss provision to net charge-offs | 105.1916% | 3,871 |
| Earnings coverage of net charge-offs (x) | 0.5167% | 5,210 |
| Efficiency ratio | 74.8344% | 3,295 |
| Assets per employee ($millions) | 6.1426% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9631% | 2,272 |
| Loan loss allowance to noncurrent loans | 37.7840% | 5,833 |
| Noncurrent assets plus other real estate owned to assets | 3.5704% | 1,966 |
| Noncurrent loans to loans | 5.1955% | 1,315 |
| Net loans and leases to total assets | 61.6884% | 4,742 |
| Net loans and leases to deposits | 66.5277% | 5,743 |
| Net loans and leases to core deposits | 122.4437% | 612 |
| Total domestic deposits to total assets | 92.7260% | 129 |
| Equity capital to assets | 7.0553% | 7,327 |
| Core capital (leverage) ratio | 6.4197% | 7,400 |
| Tier 1 risk-based capital ratio | 10.6658% | 6,553 |
| Total risk-based capital ratio | 11.9253% | 6,542 |
| Memoranda: | ||
| Average total assets | $102,890,330 | 4,994 |
| Average earning assets | $97,660,670 | 4,884 |
| Average equity | $7,065,000 | 6,116 |
| Average total loans | $63,072,000 | 5,052 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8715% | 7,539 |
| Cost of funding earning assets | 1.1300% | 5,758 |
| Net interest margin | 2.7415% | 7,253 |
| Noninterest income to average assets | 0.5704% | 3,484 |
| Noninterest expense to average assets | 2.4830% | 5,793 |
| Loan and lease loss provision to assets | 1.7111% | 663 |
| Net operating income to assets | -0.6654% | 6,939 |
| Return on assets (ROA) | -0.6654% | 6,967 |
| Pretax return on assets | -1.0038% | 7,052 |
| Return on Equity (ROE) | -9.8170% | 7,133 |
| Retained earnings to average equity (ytd only) | -9.8170% | 6,956 |
| Net charge-offs to loans | 3.4795% | 412 |
| Credit loss provision to net charge-offs | 81.2274% | 3,845 |
| Earnings coverage of net charge-offs (x) | 0.3357% | 4,740 |
| Efficiency ratio | 77.8308% | 2,925 |
| Assets per employee ($millions) | 7.3996% | 684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7080% | 3,038 |
| Loan loss allowance to noncurrent loans | 59.3663% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 1.8875% | 3,651 |
| Noncurrent loans to loans | 2.8770% | 2,802 |
| Net loans and leases to total assets | 55.3751% | 5,832 |
| Net loans and leases to deposits | 59.2198% | 6,538 |
| Net loans and leases to core deposits | 116.9899% | 905 |
| Total domestic deposits to total assets | 93.5078% | 90 |
| Equity capital to assets | 6.3454% | 7,561 |
| Core capital (leverage) ratio | 6.2806% | 7,534 |
| Tier 1 risk-based capital ratio | 10.9177% | 6,234 |
| Total risk-based capital ratio | 12.1737% | 6,208 |
| Memoranda: | ||
| Average total assets | $105,195,000 | 5,002 |
| Average earning assets | $100,530,500 | 4,864 |
| Average equity | $7,130,500 | 6,144 |
| Average total loans | $63,687,000 | 5,104 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9305% | 6,635 |
| Cost of funding earning assets | 1.7144% | 4,433 |
| Net interest margin | 3.2161% | 6,034 |
| Noninterest income to average assets | 0.6609% | 3,215 |
| Noninterest expense to average assets | 2.6468% | 5,608 |
| Loan and lease loss provision to assets | 0.7966% | 2,741 |
| Net operating income to assets | 0.1677% | 5,003 |
| Return on assets (ROA) | 0.1677% | 5,072 |
| Pretax return on assets | 0.2538% | 4,886 |
| Return on Equity (ROE) | 2.1759% | 4,840 |
| Retained earnings to average equity (ytd only) | 2.1759% | 3,585 |
| Net charge-offs to loans | 0.8190% | 2,782 |
| Credit loss provision to net charge-offs | 132.2344% | 3,794 |
| Earnings coverage of net charge-offs (x) | 1.7436% | 4,421 |
| Efficiency ratio | 71.5906% | 4,332 |
| Assets per employee ($millions) | 6.6264% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8074% | 2,518 |
| Loan loss allowance to noncurrent loans | 138.8626% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 1.1791% | 4,742 |
| Noncurrent loans to loans | 1.3016% | 4,748 |
| Net loans and leases to total assets | 64.0579% | 4,586 |
| Net loans and leases to deposits | 69.2196% | 5,695 |
| Net loans and leases to core deposits | 182.6425% | 150 |
| Total domestic deposits to total assets | 92.5430% | 172 |
| Equity capital to assets | 7.2619% | 7,227 |
| Core capital (leverage) ratio | 7.1142% | 7,146 |
| Tier 1 risk-based capital ratio | 11.1869% | 5,735 |
| Total risk-based capital ratio | 12.4438% | 5,686 |
| Memoranda: | ||
| Average total assets | $90,638,000 | 5,372 |
| Average earning assets | $85,569,000 | 5,280 |
| Average equity | $6,985,600 | 6,276 |
| Average total loans | $66,668,400 | 4,993 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0521% | 6,445 |
| Cost of funding earning assets | 1.8809% | 3,983 |
| Net interest margin | 3.1712% | 6,116 |
| Noninterest income to average assets | 0.5502% | 4,071 |
| Noninterest expense to average assets | 2.7104% | 5,275 |
| Loan and lease loss provision to assets | 0.8653% | 2,220 |
| Net operating income to assets | -0.7597% | 6,656 |
| Return on assets (ROA) | -0.7597% | 6,665 |
| Pretax return on assets | -0.0467% | 5,779 |
| Return on Equity (ROE) | -9.7002% | 6,872 |
| Retained earnings to average equity (ytd only) | -9.7002% | 6,776 |
| Net charge-offs to loans | 0.7528% | 2,478 |
| Credit loss provision to net charge-offs | 151.4512% | 3,167 |
| Earnings coverage of net charge-offs (x) | 1.4327% | 4,707 |
| Efficiency ratio | 76.8048% | 3,360 |
| Assets per employee ($millions) | 7.6707% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8012% | 2,270 |
| Loan loss allowance to noncurrent loans | 132.9241% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 1.1398% | 4,791 |
| Noncurrent loans to loans | 1.3551% | 4,664 |
| Net loans and leases to total assets | 60.4637% | 5,510 |
| Net loans and leases to deposits | 64.5434% | 6,449 |
| Net loans and leases to core deposits | 173.2906% | 241 |
| Total domestic deposits to total assets | 93.6791% | 62 |
| Equity capital to assets | 6.1104% | 7,838 |
| Core capital (leverage) ratio | 6.6632% | 7,606 |
| Tier 1 risk-based capital ratio | 9.9563% | 7,018 |
| Total risk-based capital ratio | 11.2126% | 6,970 |
| Memoranda: | ||
| Average total assets | $88,448,500 | 5,470 |
| Average earning assets | $83,079,250 | 5,396 |
| Average equity | $6,927,500 | 6,342 |
| Average total loans | $67,124,750 | 5,013 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5068% | 4,589 |
| Cost of funding earning assets | 2.1664% | 2,954 |
| Net interest margin | 3.3404% | 5,400 |
| Noninterest income to average assets | 0.5089% | 4,368 |
| Noninterest expense to average assets | 3.0097% | 4,046 |
| Loan and lease loss provision to assets | 0.5162% | 2,958 |
| Net operating income to assets | 0.0463% | 5,713 |
| Return on assets (ROA) | 0.0463% | 5,805 |
| Pretax return on assets | 0.0731% | 5,734 |
| Return on Equity (ROE) | 0.5391% | 5,773 |
| Retained earnings to average equity (ytd only) | 0.5391% | 4,982 |
| Net charge-offs to loans | 0.5426% | 2,700 |
| Credit loss provision to net charge-offs | 115.8470% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.3224% | 4,529 |
| Efficiency ratio | 83.6265% | 2,521 |
| Assets per employee ($millions) | 5.4959% | 1,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5395% | 2,986 |
| Loan loss allowance to noncurrent loans | 144.7740% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 1.2567% | 4,424 |
| Noncurrent loans to loans | 1.0634% | 5,084 |
| Net loans and leases to total assets | 79.5218% | 1,395 |
| Net loans and leases to deposits | 87.2778% | 3,307 |
| Net loans and leases to core deposits | 153.8824% | 564 |
| Total domestic deposits to total assets | 91.1134% | 424 |
| Equity capital to assets | 8.5942% | 5,904 |
| Core capital (leverage) ratio | 8.1669% | 6,042 |
| Tier 1 risk-based capital ratio | 10.6974% | 6,185 |
| Total risk-based capital ratio | 11.9506% | 6,126 |
| Memoranda: | ||
| Average total assets | $82,134,670 | 5,729 |
| Average earning assets | $75,979,000 | 5,672 |
| Average equity | $7,049,330 | 6,353 |
| Average total loans | $67,458,670 | 5,049 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5519% | 4,629 |
| Cost of funding earning assets | 2.4431% | 2,132 |
| Net interest margin | 3.1089% | 6,173 |
| Noninterest income to average assets | 0.6001% | 3,548 |
| Noninterest expense to average assets | 3.0592% | 3,523 |
| Loan and lease loss provision to assets | 0.8734% | 1,503 |
| Net operating income to assets | -0.3367% | 6,726 |
| Return on assets (ROA) | -0.3367% | 6,801 |
| Pretax return on assets | -0.5074% | 6,827 |
| Return on Equity (ROE) | -3.9252% | 6,888 |
| Retained earnings to average equity (ytd only) | -3.9252% | 6,420 |
| Net charge-offs to loans | 1.0310% | 1,307 |
| Credit loss provision to net charge-offs | 102.2857% | 3,665 |
| Earnings coverage of net charge-offs (x) | 0.4286% | 4,645 |
| Efficiency ratio | 89.3162% | 1,776 |
| Assets per employee ($millions) | 5.6803% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4776% | 3,100 |
| Loan loss allowance to noncurrent loans | 215.5172% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.9788% | 4,745 |
| Noncurrent loans to loans | 0.6856% | 5,691 |
| Net loans and leases to total assets | 78.2557% | 1,762 |
| Net loans and leases to deposits | 85.4603% | 3,722 |
| Net loans and leases to core deposits | 137.1503% | 1,241 |
| Total domestic deposits to total assets | 91.5696% | 260 |
| Equity capital to assets | 8.2121% | 6,521 |
| Core capital (leverage) ratio | 8.4196% | 5,678 |
| Tier 1 risk-based capital ratio | 10.2749% | 6,615 |
| Total risk-based capital ratio | 11.5275% | 6,539 |
| Memoranda: | ||
| Average total assets | $81,982,500 | 5,753 |
| Average earning assets | $74,496,500 | 5,756 |
| Average equity | $7,031,500 | 6,393 |
| Average total loans | $67,897,000 | 5,054 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7182% | 1,960 |
| Cost of funding earning assets | 3.2097% | 1,158 |
| Net interest margin | 3.5085% | 5,273 |
| Noninterest income to average assets | 0.5934% | 3,883 |
| Noninterest expense to average assets | 2.6243% | 5,558 |
| Loan and lease loss provision to assets | 0.0710% | 6,510 |
| Net operating income to assets | 0.7564% | 3,636 |
| Return on assets (ROA) | 0.7564% | 3,474 |
| Pretax return on assets | 1.1533% | 2,824 |
| Return on Equity (ROE) | 7.9954% | 3,077 |
| Retained earnings to average equity (ytd only) | 7.9954% | 846 |
| Net charge-offs to loans | 0.0107% | 6,777 |
| Credit loss provision to net charge-offs | 728.5714% | 572 |
| Earnings coverage of net charge-offs (x) | 125.5714% | 357 |
| Efficiency ratio | 68.1868% | 4,693 |
| Assets per employee ($millions) | 4.1453% | 3,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4622% | 2,870 |
| Loan loss allowance to noncurrent loans | 325.4902% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.8583% | 4,703 |
| Noncurrent loans to loans | 0.4492% | 6,005 |
| Net loans and leases to total assets | 85.2211% | 698 |
| Net loans and leases to deposits | 93.9833% | 2,761 |
| Net loans and leases to core deposits | 125.5983% | 2,196 |
| Total domestic deposits to total assets | 90.6769% | 434 |
| Equity capital to assets | 8.9714% | 5,403 |
| Core capital (leverage) ratio | 9.1513% | 4,525 |
| Tier 1 risk-based capital ratio | 9.7601% | 7,001 |
| Total risk-based capital ratio | 11.0127% | 6,901 |
| Memoranda: | ||
| Average total assets | $71,791,200 | 5,975 |
| Average earning assets | $66,609,800 | 5,949 |
| Average equity | $6,791,400 | 6,528 |
| Average total loans | $65,582,600 | 5,038 |