Home > Bank of Wedowee > Performance and Condition Ratios
Bank of Wedowee, Performance and Condition Ratios
| 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 | 4.4084% | 1,940 |
| Cost of funding earning assets | 0.4707% | 2,514 |
| Net interest margin | 3.9377% | 1,904 |
| Noninterest income to average assets | 0.6184% | 2,372 |
| Noninterest expense to average assets | 2.8286% | 2,635 |
| Loan and lease loss provision to assets | 0.0915% | 2,245 |
| Net operating income to assets | 0.8603% | 3,228 |
| Return on assets (ROA) | 0.9073% | 3,057 |
| Pretax return on assets | 1.3050% | 2,460 |
| Return on Equity (ROE) | 7.9781% | 3,133 |
| Retained earnings to average equity (ytd only) | -0.9660% | 5,345 |
| Net charge-offs to loans | 0.1969% | 1,081 |
| Credit loss provision to net charge-offs | 91.8367% | 2,435 |
| Earnings coverage of net charge-offs (x) | 13.3371% | 2,356 |
| Efficiency ratio | 68.0284% | 2,871 |
| Assets per employee ($millions) | 4.2641% | 3,535 |
| Cash dividends to net income (ytd only)* | 112.1080% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9384% | 4,383 |
| Loan loss allowance to noncurrent loans | 195.0920% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.3393% | 3,694 |
| Noncurrent loans to loans | 0.4810% | 3,241 |
| Net loans and leases to total assets | 52.4835% | 4,538 |
| Net loans and leases to deposits | 60.9656% | 4,585 |
| Net loans and leases to core deposits | 62.9881% | 4,653 |
| Total domestic deposits to total assets | 86.0871% | 2,273 |
| Equity capital to assets | 11.7984% | 2,110 |
| Core capital (leverage) ratio | 10.7071% | 2,754 |
| Tier 1 risk-based capital ratio | 18.1186% | 1,827 |
| Total risk-based capital ratio | 18.9513% | 1,883 |
| Memoranda: | ||
| Average total assets | $131,086,000 | 3,767 |
| Average earning assets | $117,832,500 | 3,823 |
| Average equity | $14,907,000 | 3,763 |
| Average total loans | $66,357,000 | 4,076 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3375% | 2,010 |
| Cost of funding earning assets | 0.4638% | 2,467 |
| Net interest margin | 3.8737% | 2,022 |
| Noninterest income to average assets | 0.6417% | 2,241 |
| Noninterest expense to average assets | 2.6820% | 3,153 |
| Loan and lease loss provision to assets | 0.1362% | 1,522 |
| Net operating income to assets | 0.9319% | 2,755 |
| Return on assets (ROA) | 0.9853% | 2,550 |
| Pretax return on assets | 1.3743% | 2,126 |
| Return on Equity (ROE) | 8.7706% | 2,619 |
| Retained earnings to average equity (ytd only) | 2.0344% | 4,441 |
| Net charge-offs to loans | 0.1214% | 1,436 |
| Credit loss provision to net charge-offs | 225.0000% | 1,153 |
| Earnings coverage of net charge-offs (x) | 23.7250% | 1,667 |
| Efficiency ratio | 65.1231% | 3,489 |
| Assets per employee ($millions) | 4.2718% | 3,486 |
| Cash dividends to net income (ytd only)* | 76.8049% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0365% | 3,924 |
| Loan loss allowance to noncurrent loans | 178.8660% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 3,449 |
| Noncurrent loans to loans | 0.5795% | 2,996 |
| Net loans and leases to total assets | 50.0355% | 4,711 |
| Net loans and leases to deposits | 59.0874% | 4,694 |
| Net loans and leases to core deposits | 61.2322% | 4,755 |
| Total domestic deposits to total assets | 84.6805% | 2,946 |
| Equity capital to assets | 11.5770% | 2,248 |
| Core capital (leverage) ratio | 10.8086% | 2,589 |
| Tier 1 risk-based capital ratio | 18.4055% | 1,745 |
| Total risk-based capital ratio | 19.3113% | 1,795 |
| Memoranda: | ||
| Average total assets | $132,140,000 | 3,777 |
| Average earning assets | $118,595,000 | 3,827 |
| Average equity | $14,845,000 | 3,778 |
| Average total loans | $65,884,330 | 4,108 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2671% | 2,051 |
| Cost of funding earning assets | 0.4474% | 2,549 |
| Net interest margin | 3.8197% | 2,045 |
| Noninterest income to average assets | 0.4940% | 3,021 |
| Noninterest expense to average assets | 2.6546% | 3,295 |
| Loan and lease loss provision to assets | 0.1667% | 1,072 |
| Net operating income to assets | 0.7922% | 3,257 |
| Return on assets (ROA) | 0.8121% | 3,224 |
| Pretax return on assets | 1.1152% | 2,921 |
| Return on Equity (ROE) | 7.3415% | 3,239 |
| Retained earnings to average equity (ytd only) | -6.3553% | 5,456 |
| Net charge-offs to loans | 0.1041% | 1,334 |
| Credit loss provision to net charge-offs | 323.5294% | 753 |
| Earnings coverage of net charge-offs (x) | 24.3529% | 1,364 |
| Efficiency ratio | 67.9070% | 3,217 |
| Assets per employee ($millions) | 3.8716% | 4,228 |
| Cash dividends to net income (ytd only)* | 186.5672% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 4,102 |
| Loan loss allowance to noncurrent loans | 186.8493% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.4664% | 3,347 |
| Noncurrent loans to loans | 0.5509% | 3,161 |
| Net loans and leases to total assets | 49.8146% | 4,692 |
| Net loans and leases to deposits | 59.0289% | 4,630 |
| Net loans and leases to core deposits | 61.0258% | 4,718 |
| Total domestic deposits to total assets | 84.3903% | 3,336 |
| Equity capital to assets | 11.1337% | 2,498 |
| Core capital (leverage) ratio | 10.5574% | 2,836 |
| Tier 1 risk-based capital ratio | 17.2821% | 2,103 |
| Total risk-based capital ratio | 18.1439% | 2,178 |
| Memoranda: | ||
| Average total assets | $131,997,000 | 3,813 |
| Average earning assets | $118,020,000 | 3,869 |
| Average equity | $14,602,000 | 3,835 |
| Average total loans | $65,349,500 | 4,147 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1293% | 2,739 |
| Cost of funding earning assets | 0.4811% | 2,246 |
| Net interest margin | 3.6482% | 2,893 |
| Noninterest income to average assets | 0.6334% | 2,484 |
| Noninterest expense to average assets | 2.5852% | 3,724 |
| Loan and lease loss provision to assets | 0.2257% | 964 |
| Net operating income to assets | 0.7436% | 3,567 |
| Return on assets (ROA) | 0.7844% | 3,480 |
| Pretax return on assets | 1.1268% | 2,987 |
| Return on Equity (ROE) | 6.8890% | 3,524 |
| Retained earnings to average equity (ytd only) | 6.8890% | 1,275 |
| Net charge-offs to loans | 0.3044% | 901 |
| Credit loss provision to net charge-offs | 157.6087% | 1,747 |
| Earnings coverage of net charge-offs (x) | 9.0380% | 2,796 |
| Efficiency ratio | 66.6399% | 3,490 |
| Assets per employee ($millions) | 3.8929% | 4,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 4,336 |
| Loan loss allowance to noncurrent loans | 169.4737% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.5024% | 3,248 |
| Noncurrent loans to loans | 0.5897% | 3,079 |
| Net loans and leases to total assets | 48.2018% | 4,884 |
| Net loans and leases to deposits | 56.3909% | 4,894 |
| Net loans and leases to core deposits | 58.2629% | 4,951 |
| Total domestic deposits to total assets | 85.4780% | 2,842 |
| Equity capital to assets | 10.9914% | 2,633 |
| Core capital (leverage) ratio | 10.8742% | 2,467 |
| Tier 1 risk-based capital ratio | 17.8045% | 1,906 |
| Total risk-based capital ratio | 18.6310% | 1,997 |
| Memoranda: | ||
| Average total assets | $128,502,800 | 3,856 |
| Average earning assets | $114,329,200 | 3,923 |
| Average equity | $14,632,000 | 3,857 |
| Average total loans | $60,449,200 | 4,286 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 2,845 |
| Cost of funding earning assets | 0.4880% | 2,192 |
| Net interest margin | 3.6204% | 3,003 |
| Noninterest income to average assets | 0.6429% | 2,464 |
| Noninterest expense to average assets | 2.5989% | 3,664 |
| Loan and lease loss provision to assets | 0.2352% | 828 |
| Net operating income to assets | 0.7253% | 3,722 |
| Return on assets (ROA) | 0.7809% | 3,596 |
| Pretax return on assets | 1.1060% | 3,210 |
| Return on Equity (ROE) | 6.7971% | 3,666 |
| Retained earnings to average equity (ytd only) | 6.7971% | 1,721 |
| Net charge-offs to loans | 0.1525% | 1,476 |
| Credit loss provision to net charge-offs | 330.8824% | 966 |
| Earnings coverage of net charge-offs (x) | 17.7656% | 2,037 |
| Efficiency ratio | 67.2983% | 3,358 |
| Assets per employee ($millions) | 3.8482% | 4,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 3,784 |
| Loan loss allowance to noncurrent loans | 129.6642% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.7055% | 2,799 |
| Noncurrent loans to loans | 0.8547% | 2,547 |
| Net loans and leases to total assets | 47.3975% | 5,001 |
| Net loans and leases to deposits | 57.1431% | 4,924 |
| Net loans and leases to core deposits | 59.1235% | 4,989 |
| Total domestic deposits to total assets | 82.9453% | 3,623 |
| Equity capital to assets | 11.6893% | 2,366 |
| Core capital (leverage) ratio | 10.5992% | 2,877 |
| Tier 1 risk-based capital ratio | 17.9529% | 1,936 |
| Total risk-based capital ratio | 18.8902% | 1,989 |
| Memoranda: | ||
| Average total assets | $127,539,000 | 3,898 |
| Average earning assets | $113,390,500 | 3,965 |
| Average equity | $14,653,000 | 3,888 |
| Average total loans | $59,450,750 | 4,347 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1299% | 2,749 |
| Cost of funding earning assets | 0.4947% | 2,144 |
| Net interest margin | 3.6353% | 2,956 |
| Noninterest income to average assets | 0.5805% | 2,718 |
| Noninterest expense to average assets | 2.5973% | 3,730 |
| Loan and lease loss provision to assets | 0.2373% | 839 |
| Net operating income to assets | 0.6983% | 3,798 |
| Return on assets (ROA) | 0.7466% | 3,719 |
| Pretax return on assets | 1.0456% | 3,411 |
| Return on Equity (ROE) | 6.5377% | 3,785 |
| Retained earnings to average equity (ytd only) | 6.5377% | 1,856 |
| Net charge-offs to loans | 0.1165% | 1,668 |
| Credit loss provision to net charge-offs | 441.1765% | 723 |
| Earnings coverage of net charge-offs (x) | 22.5882% | 1,620 |
| Efficiency ratio | 68.1328% | 3,318 |
| Assets per employee ($millions) | 3.7250% | 4,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1058% | 3,915 |
| Loan loss allowance to noncurrent loans | 107.5658% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 0.7801% | 2,650 |
| Noncurrent loans to loans | 1.0280% | 2,230 |
| Net loans and leases to total assets | 46.1816% | 5,114 |
| Net loans and leases to deposits | 54.7465% | 5,092 |
| Net loans and leases to core deposits | 56.5373% | 5,141 |
| Total domestic deposits to total assets | 84.3553% | 3,136 |
| Equity capital to assets | 11.8476% | 2,235 |
| Core capital (leverage) ratio | 10.5190% | 2,954 |
| Tier 1 risk-based capital ratio | 18.6415% | 1,768 |
| Total risk-based capital ratio | 19.5720% | 1,808 |
| Memoranda: | ||
| Average total assets | $126,439,330 | 3,938 |
| Average earning assets | $112,399,330 | 4,008 |
| Average equity | $14,439,330 | 3,942 |
| Average total loans | $58,364,670 | 4,398 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0947% | 2,861 |
| Cost of funding earning assets | 0.4985% | 2,124 |
| Net interest margin | 3.5962% | 3,095 |
| Noninterest income to average assets | 0.5889% | 2,598 |
| Noninterest expense to average assets | 2.6438% | 3,594 |
| Loan and lease loss provision to assets | 0.2375% | 763 |
| Net operating income to assets | 0.6452% | 4,000 |
| Return on assets (ROA) | 0.6744% | 3,970 |
| Pretax return on assets | 0.9467% | 3,670 |
| Return on Equity (ROE) | 6.0184% | 3,975 |
| Retained earnings to average equity (ytd only) | 6.0184% | 2,363 |
| Net charge-offs to loans | 0.1932% | 1,016 |
| Credit loss provision to net charge-offs | 267.8571% | 909 |
| Earnings coverage of net charge-offs (x) | 12.8929% | 1,764 |
| Efficiency ratio | 69.8161% | 3,162 |
| Assets per employee ($millions) | 3.6241% | 4,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 4,638 |
| Loan loss allowance to noncurrent loans | 75.1609% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 0.9705% | 2,283 |
| Noncurrent loans to loans | 1.3234% | 1,805 |
| Net loans and leases to total assets | 45.8259% | 5,127 |
| Net loans and leases to deposits | 53.9292% | 5,105 |
| Net loans and leases to core deposits | 55.6745% | 5,150 |
| Total domestic deposits to total assets | 84.9743% | 3,144 |
| Equity capital to assets | 11.3715% | 2,555 |
| Core capital (leverage) ratio | 10.4005% | 3,070 |
| Tier 1 risk-based capital ratio | 18.4733% | 1,858 |
| Total risk-based capital ratio | 19.3059% | 1,934 |
| Memoranda: | ||
| Average total assets | $126,334,000 | 3,971 |
| Average earning assets | $112,340,000 | 4,036 |
| Average equity | $14,156,500 | 3,988 |
| Average total loans | $57,975,500 | 4,443 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0907% | 2,957 |
| Cost of funding earning assets | 0.5553% | 1,715 |
| Net interest margin | 3.5354% | 3,394 |
| Noninterest income to average assets | 0.5627% | 2,949 |
| Noninterest expense to average assets | 2.6769% | 3,663 |
| Loan and lease loss provision to assets | 0.2362% | 819 |
| Net operating income to assets | 0.5498% | 4,498 |
| Return on assets (ROA) | 0.5810% | 4,468 |
| Pretax return on assets | 0.8172% | 4,135 |
| Return on Equity (ROE) | 5.0603% | 4,476 |
| Retained earnings to average equity (ytd only) | 2.5699% | 4,241 |
| Net charge-offs to loans | 0.2699% | 1,127 |
| Credit loss provision to net charge-offs | 206.5217% | 1,358 |
| Earnings coverage of net charge-offs (x) | 8.8261% | 2,893 |
| Efficiency ratio | 72.6169% | 2,809 |
| Assets per employee ($millions) | 3.7007% | 4,480 |
| Cash dividends to net income (ytd only)* | 49.2154% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9399% | 4,915 |
| Loan loss allowance to noncurrent loans | 94.7183% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 0.7630% | 2,777 |
| Noncurrent loans to loans | 0.9923% | 2,353 |
| Net loans and leases to total assets | 45.0642% | 5,222 |
| Net loans and leases to deposits | 52.8291% | 5,232 |
| Net loans and leases to core deposits | 54.7549% | 5,269 |
| Total domestic deposits to total assets | 85.3018% | 2,951 |
| Equity capital to assets | 11.0383% | 2,783 |
| Core capital (leverage) ratio | 10.4861% | 2,950 |
| Tier 1 risk-based capital ratio | 18.8060% | 1,743 |
| Total risk-based capital ratio | 19.5993% | 1,822 |
| Memoranda: | ||
| Average total assets | $120,660,200 | 4,059 |
| Average earning assets | $106,606,600 | 4,128 |
| Average equity | $13,852,800 | 4,000 |
| Average total loans | $51,137,400 | 4,635 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0477% | 3,137 |
| Cost of funding earning assets | 0.5622% | 1,696 |
| Net interest margin | 3.4856% | 3,595 |
| Noninterest income to average assets | 0.5730% | 2,895 |
| Noninterest expense to average assets | 2.7555% | 3,355 |
| Loan and lease loss provision to assets | 0.2346% | 770 |
| Net operating income to assets | 0.4917% | 4,820 |
| Return on assets (ROA) | 0.5395% | 4,730 |
| Pretax return on assets | 0.7216% | 4,606 |
| Return on Equity (ROE) | 4.6518% | 4,776 |
| Retained earnings to average equity (ytd only) | 4.6518% | 3,167 |
| Net charge-offs to loans | 0.2472% | 1,060 |
| Credit loss provision to net charge-offs | 228.2609% | 1,211 |
| Earnings coverage of net charge-offs (x) | 8.6851% | 2,779 |
| Efficiency ratio | 75.5358% | 2,313 |
| Assets per employee ($millions) | 3.5233% | 4,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9187% | 5,129 |
| Loan loss allowance to noncurrent loans | 60.3081% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 1.0343% | 2,284 |
| Noncurrent loans to loans | 1.5234% | 1,647 |
| Net loans and leases to total assets | 45.8253% | 5,241 |
| Net loans and leases to deposits | 53.4716% | 5,288 |
| Net loans and leases to core deposits | 55.4842% | 5,332 |
| Total domestic deposits to total assets | 85.7002% | 2,695 |
| Equity capital to assets | 11.8197% | 2,247 |
| Core capital (leverage) ratio | 10.6550% | 2,873 |
| Tier 1 risk-based capital ratio | 19.3113% | 1,702 |
| Total risk-based capital ratio | 20.0886% | 1,783 |
| Memoranda: | ||
| Average total assets | $119,369,000 | 4,128 |
| Average earning assets | $105,307,000 | 4,200 |
| Average equity | $13,843,750 | 4,051 |
| Average total loans | $49,611,750 | 4,731 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9251% | 3,594 |
| Cost of funding earning assets | 0.5702% | 1,645 |
| Net interest margin | 3.3548% | 4,083 |
| Noninterest income to average assets | 0.5787% | 2,864 |
| Noninterest expense to average assets | 2.6890% | 3,631 |
| Loan and lease loss provision to assets | 0.2097% | 926 |
| Net operating income to assets | 0.4543% | 4,959 |
| Return on assets (ROA) | 0.4865% | 4,929 |
| Pretax return on assets | 0.6861% | 4,703 |
| Return on Equity (ROE) | 4.2217% | 4,938 |
| Retained earnings to average equity (ytd only) | 4.2217% | 3,348 |
| Net charge-offs to loans | 0.3020% | 875 |
| Credit loss provision to net charge-offs | 173.6111% | 1,384 |
| Earnings coverage of net charge-offs (x) | 7.0417% | 2,708 |
| Efficiency ratio | 75.9716% | 2,362 |
| Assets per employee ($millions) | 3.4518% | 4,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8753% | 5,389 |
| Loan loss allowance to noncurrent loans | 46.4921% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 1.0727% | 2,372 |
| Noncurrent loans to loans | 1.8827% | 1,326 |
| Net loans and leases to total assets | 41.6184% | 5,526 |
| Net loans and leases to deposits | 48.1029% | 5,592 |
| Net loans and leases to core deposits | 50.0224% | 5,616 |
| Total domestic deposits to total assets | 86.5196% | 2,424 |
| Equity capital to assets | 11.2712% | 2,597 |
| Core capital (leverage) ratio | 10.5066% | 2,944 |
| Tier 1 risk-based capital ratio | 20.0435% | 1,532 |
| Total risk-based capital ratio | 20.7533% | 1,633 |
| Memoranda: | ||
| Average total assets | $119,228,000 | 4,172 |
| Average earning assets | $105,221,330 | 4,238 |
| Average equity | $13,738,670 | 4,091 |
| Average total loans | $47,681,000 | 4,827 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7491% | 4,200 |
| Cost of funding earning assets | 0.5815% | 1,567 |
| Net interest margin | 3.1676% | 4,724 |
| Noninterest income to average assets | 0.6045% | 2,623 |
| Noninterest expense to average assets | 2.6580% | 3,725 |
| Loan and lease loss provision to assets | 0.1182% | 1,750 |
| Net operating income to assets | 0.3952% | 5,082 |
| Return on assets (ROA) | 0.3952% | 5,195 |
| Pretax return on assets | 0.6248% | 4,846 |
| Return on Equity (ROE) | 3.3914% | 5,215 |
| Retained earnings to average equity (ytd only) | 3.3914% | 3,944 |
| Net charge-offs to loans | 0.5893% | 418 |
| Credit loss provision to net charge-offs | 51.4706% | 2,086 |
| Earnings coverage of net charge-offs (x) | 3.2353% | 2,635 |
| Efficiency ratio | 78.1529% | 2,164 |
| Assets per employee ($millions) | 3.3332% | 5,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7596% | 5,787 |
| Loan loss allowance to noncurrent loans | 33.4583% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 1.3267% | 2,001 |
| Noncurrent loans to loans | 2.2703% | 1,097 |
| Net loans and leases to total assets | 38.8694% | 5,670 |
| Net loans and leases to deposits | 45.1135% | 5,702 |
| Net loans and leases to core deposits | 46.9320% | 5,718 |
| Total domestic deposits to total assets | 86.1593% | 2,858 |
| Equity capital to assets | 11.6998% | 2,289 |
| Core capital (leverage) ratio | 10.4804% | 2,989 |
| Tier 1 risk-based capital ratio | 20.9147% | 1,440 |
| Total risk-based capital ratio | 21.5185% | 1,535 |
| Memoranda: | ||
| Average total assets | $118,436,000 | 4,214 |
| Average earning assets | $104,559,000 | 4,289 |
| Average equity | $13,799,500 | 4,105 |
| Average total loans | $46,159,500 | 4,912 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6027% | 5,075 |
| Cost of funding earning assets | 0.6472% | 1,425 |
| Net interest margin | 2.9555% | 5,541 |
| Noninterest income to average assets | 0.5836% | 2,961 |
| Noninterest expense to average assets | 2.7342% | 3,734 |
| Loan and lease loss provision to assets | 0.0528% | 3,499 |
| Net operating income to assets | 0.2972% | 5,521 |
| Return on assets (ROA) | 0.3345% | 5,499 |
| Pretax return on assets | 0.4199% | 5,440 |
| Return on Equity (ROE) | 2.9084% | 5,507 |
| Retained earnings to average equity (ytd only) | 1.3777% | 5,156 |
| Net charge-offs to loans | -0.0024% | 5,390 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5181% | 1,117 |
| Assets per employee ($millions) | 3.4376% | 4,996 |
| Cash dividends to net income (ytd only)* | 52.6316% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8605% | 5,604 |
| Loan loss allowance to noncurrent loans | 35.0404% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 1.3245% | 2,122 |
| Noncurrent loans to loans | 2.4558% | 1,039 |
| Net loans and leases to total assets | 38.4426% | 5,825 |
| Net loans and leases to deposits | 44.6360% | 5,858 |
| Net loans and leases to core deposits | 46.3641% | 5,875 |
| Total domestic deposits to total assets | 86.1248% | 2,767 |
| Equity capital to assets | 11.6018% | 2,342 |
| Core capital (leverage) ratio | 9.8648% | 3,755 |
| Tier 1 risk-based capital ratio | 20.1644% | 1,560 |
| Total risk-based capital ratio | 20.8674% | 1,641 |
| Memoranda: | ||
| Average total assets | $113,596,600 | 4,311 |
| Average earning assets | $99,036,200 | 4,421 |
| Average equity | $13,065,600 | 4,179 |
| Average total loans | $41,409,400 | 5,129 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5399% | 5,295 |
| Cost of funding earning assets | 0.6530% | 1,442 |
| Net interest margin | 2.8869% | 5,729 |
| Noninterest income to average assets | 0.5651% | 3,098 |
| Noninterest expense to average assets | 2.7215% | 3,743 |
| Loan and lease loss provision to assets | 0.0532% | 3,312 |
| Net operating income to assets | 0.2555% | 5,725 |
| Return on assets (ROA) | 0.3074% | 5,631 |
| Pretax return on assets | 0.3594% | 5,659 |
| Return on Equity (ROE) | 2.6786% | 5,660 |
| Retained earnings to average equity (ytd only) | 2.6786% | 4,685 |
| Net charge-offs to loans | -0.1319% | 6,209 |
| Credit loss provision to net charge-offs | -112.5000% | 5,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5385% | 955 |
| Assets per employee ($millions) | 3.1658% | 5,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9494% | 5,431 |
| Loan loss allowance to noncurrent loans | 40.1163% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 1.3723% | 2,251 |
| Noncurrent loans to loans | 2.3666% | 1,259 |
| Net loans and leases to total assets | 37.8986% | 5,950 |
| Net loans and leases to deposits | 43.2107% | 6,013 |
| Net loans and leases to core deposits | 44.8936% | 5,999 |
| Total domestic deposits to total assets | 87.7064% | 1,916 |
| Equity capital to assets | 11.6803% | 2,330 |
| Core capital (leverage) ratio | 10.1721% | 3,441 |
| Tier 1 risk-based capital ratio | 20.9980% | 1,453 |
| Total risk-based capital ratio | 21.7709% | 1,516 |
| Memoranda: | ||
| Average total assets | $112,776,250 | 4,364 |
| Average earning assets | $98,005,000 | 4,496 |
| Average equity | $12,942,000 | 4,229 |
| Average total loans | $40,431,500 | 5,218 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4650% | 5,489 |
| Cost of funding earning assets | 0.6638% | 1,413 |
| Net interest margin | 2.8012% | 5,909 |
| Noninterest income to average assets | 0.5179% | 3,355 |
| Noninterest expense to average assets | 2.7016% | 3,857 |
| Loan and lease loss provision to assets | 0.0534% | 3,232 |
| Net operating income to assets | 0.1940% | 5,855 |
| Return on assets (ROA) | 0.2705% | 5,739 |
| Pretax return on assets | 0.2652% | 5,847 |
| Return on Equity (ROE) | 2.3715% | 5,740 |
| Retained earnings to average equity (ytd only) | 2.3715% | 4,696 |
| Net charge-offs to loans | -0.2489% | 6,395 |
| Credit loss provision to net charge-offs | -61.2245% | 5,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7775% | 776 |
| Assets per employee ($millions) | 3.4493% | 4,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9807% | 5,429 |
| Loan loss allowance to noncurrent loans | 44.6020% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 1.1280% | 2,827 |
| Noncurrent loans to loans | 2.1989% | 1,488 |
| Net loans and leases to total assets | 36.2775% | 6,036 |
| Net loans and leases to deposits | 41.2606% | 6,102 |
| Net loans and leases to core deposits | 43.0487% | 6,111 |
| Total domestic deposits to total assets | 87.9230% | 1,946 |
| Equity capital to assets | 11.5947% | 2,333 |
| Core capital (leverage) ratio | 10.0930% | 3,479 |
| Tier 1 risk-based capital ratio | 21.3179% | 1,378 |
| Total risk-based capital ratio | 22.1002% | 1,451 |
| Memoranda: | ||
| Average total assets | $112,378,330 | 4,402 |
| Average earning assets | $97,314,670 | 4,547 |
| Average equity | $12,818,670 | 4,260 |
| Average total loans | $39,373,000 | 5,305 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4736% | 5,495 |
| Cost of funding earning assets | 0.6757% | 1,401 |
| Net interest margin | 2.7979% | 5,941 |
| Noninterest income to average assets | 0.4908% | 3,487 |
| Noninterest expense to average assets | 2.7478% | 3,765 |
| Loan and lease loss provision to assets | 0.0537% | 3,037 |
| Net operating income to assets | 0.2042% | 5,789 |
| Return on assets (ROA) | 0.2973% | 5,543 |
| Pretax return on assets | 0.2006% | 5,915 |
| Return on Equity (ROE) | 2.6289% | 5,577 |
| Retained earnings to average equity (ytd only) | 2.6289% | 4,498 |
| Net charge-offs to loans | -1.0155% | 6,630 |
| Credit loss provision to net charge-offs | -15.4639% | 4,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4581% | 726 |
| Assets per employee ($millions) | 3.3223% | 5,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 4,856 |
| Loan loss allowance to noncurrent loans | 52.1893% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 1.3306% | 2,658 |
| Noncurrent loans to loans | 2.2085% | 1,644 |
| Net loans and leases to total assets | 33.4812% | 6,206 |
| Net loans and leases to deposits | 37.9700% | 6,249 |
| Net loans and leases to core deposits | 39.5181% | 6,255 |
| Total domestic deposits to total assets | 88.1780% | 2,124 |
| Equity capital to assets | 11.3687% | 2,360 |
| Core capital (leverage) ratio | 10.1177% | 3,406 |
| Tier 1 risk-based capital ratio | 22.7476% | 1,172 |
| Total risk-based capital ratio | 23.6543% | 1,203 |
| Memoranda: | ||
| Average total assets | $111,653,500 | 4,454 |
| Average earning assets | $96,499,500 | 4,608 |
| Average equity | $12,629,000 | 4,320 |
| Average total loans | $38,208,000 | 5,386 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5822% | 5,454 |
| Cost of funding earning assets | 0.8071% | 1,180 |
| Net interest margin | 2.7751% | 6,021 |
| Noninterest income to average assets | 0.4430% | 4,133 |
| Noninterest expense to average assets | 2.6517% | 4,275 |
| Loan and lease loss provision to assets | 0.0950% | 3,223 |
| Net operating income to assets | 0.1122% | 6,016 |
| Return on assets (ROA) | 0.1140% | 6,074 |
| Pretax return on assets | 0.0345% | 6,180 |
| Return on Equity (ROE) | 1.0038% | 6,082 |
| Retained earnings to average equity (ytd only) | 1.0038% | 5,393 |
| Net charge-offs to loans | 0.6354% | 1,023 |
| Credit loss provision to net charge-offs | 44.0000% | 3,958 |
| Earnings coverage of net charge-offs (x) | 0.5920% | 4,885 |
| Efficiency ratio | 95.4023% | 673 |
| Assets per employee ($millions) | 3.2455% | 5,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8649% | 6,022 |
| Loan loss allowance to noncurrent loans | 29.2813% | 5,966 |
| Noncurrent assets plus other real estate owned to assets | 1.7844% | 2,071 |
| Noncurrent loans to loans | 2.9537% | 1,168 |
| Net loans and leases to total assets | 34.2779% | 6,281 |
| Net loans and leases to deposits | 38.8279% | 6,342 |
| Net loans and leases to core deposits | 40.4463% | 6,346 |
| Total domestic deposits to total assets | 88.2816% | 2,017 |
| Equity capital to assets | 11.2517% | 2,381 |
| Core capital (leverage) ratio | 10.1169% | 3,405 |
| Tier 1 risk-based capital ratio | 23.3235% | 1,050 |
| Total risk-based capital ratio | 24.0214% | 1,110 |
| Memoranda: | ||
| Average total assets | $115,813,200 | 4,368 |
| Average earning assets | $97,511,000 | 4,579 |
| Average equity | $13,150,200 | 4,232 |
| Average total loans | $39,343,800 | 5,375 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6163% | 5,399 |
| Cost of funding earning assets | 0.8320% | 1,144 |
| Net interest margin | 2.7843% | 6,042 |
| Noninterest income to average assets | 0.4938% | 3,858 |
| Noninterest expense to average assets | 2.6864% | 4,073 |
| Loan and lease loss provision to assets | 0.0683% | 3,690 |
| Net operating income to assets | 0.1365% | 6,061 |
| Return on assets (ROA) | 0.1388% | 6,128 |
| Pretax return on assets | 0.0717% | 6,236 |
| Return on Equity (ROE) | 1.2199% | 6,139 |
| Retained earnings to average equity (ytd only) | 1.2199% | 5,493 |
| Net charge-offs to loans | 0.7265% | 821 |
| Credit loss provision to net charge-offs | 27.7778% | 3,936 |
| Earnings coverage of net charge-offs (x) | 0.5602% | 4,674 |
| Efficiency ratio | 95.1249% | 671 |
| Assets per employee ($millions) | 3.3021% | 5,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8367% | 6,206 |
| Loan loss allowance to noncurrent loans | 23.1393% | 6,182 |
| Noncurrent assets plus other real estate owned to assets | 2.0433% | 1,975 |
| Noncurrent loans to loans | 3.6159% | 1,035 |
| Net loans and leases to total assets | 33.1478% | 6,405 |
| Net loans and leases to deposits | 37.7166% | 6,455 |
| Net loans and leases to core deposits | 39.4289% | 6,465 |
| Total domestic deposits to total assets | 87.8863% | 2,198 |
| Equity capital to assets | 11.5098% | 2,296 |
| Core capital (leverage) ratio | 9.8780% | 3,850 |
| Tier 1 risk-based capital ratio | 23.3588% | 1,085 |
| Total risk-based capital ratio | 24.4508% | 1,092 |
| Memoranda: | ||
| Average total assets | $117,179,500 | 4,373 |
| Average earning assets | $98,071,500 | 4,607 |
| Average equity | $13,333,750 | 4,245 |
| Average total loans | $39,641,000 | 5,411 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5026% | 5,689 |
| Cost of funding earning assets | 0.8495% | 1,140 |
| Net interest margin | 2.6531% | 6,260 |
| Noninterest income to average assets | 0.4848% | 3,932 |
| Noninterest expense to average assets | 2.6141% | 4,332 |
| Loan and lease loss provision to assets | 0.0842% | 3,390 |
| Net operating income to assets | 0.0606% | 6,221 |
| Return on assets (ROA) | 0.0640% | 6,293 |
| Pretax return on assets | 0.0135% | 6,337 |
| Return on Equity (ROE) | 0.5642% | 6,297 |
| Retained earnings to average equity (ytd only) | 0.5642% | 5,677 |
| Net charge-offs to loans | 0.9468% | 652 |
| Credit loss provision to net charge-offs | 26.1780% | 3,645 |
| Earnings coverage of net charge-offs (x) | 0.2932% | 4,447 |
| Efficiency ratio | 96.5196% | 637 |
| Assets per employee ($millions) | 3.3830% | 5,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8291% | 6,299 |
| Loan loss allowance to noncurrent loans | 18.9189% | 6,327 |
| Noncurrent assets plus other real estate owned to assets | 2.1790% | 1,979 |
| Noncurrent loans to loans | 4.3826% | 814 |
| Net loans and leases to total assets | 33.2342% | 6,452 |
| Net loans and leases to deposits | 38.2078% | 6,477 |
| Net loans and leases to core deposits | 39.9705% | 6,477 |
| Total domestic deposits to total assets | 86.9828% | 2,831 |
| Equity capital to assets | 10.8137% | 2,929 |
| Core capital (leverage) ratio | 9.1891% | 4,713 |
| Tier 1 risk-based capital ratio | 21.6936% | 1,354 |
| Total risk-based capital ratio | 22.7294% | 1,361 |
| Memoranda: | ||
| Average total assets | $118,816,000 | 4,373 |
| Average earning assets | $99,583,330 | 4,595 |
| Average equity | $13,471,000 | 4,247 |
| Average total loans | $40,345,000 | 5,412 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4759% | 5,769 |
| Cost of funding earning assets | 0.8890% | 1,040 |
| Net interest margin | 2.5869% | 6,395 |
| Noninterest income to average assets | 0.4940% | 3,810 |
| Noninterest expense to average assets | 2.5273% | 4,666 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1882% | 5,928 |
| Return on assets (ROA) | 0.1949% | 6,019 |
| Pretax return on assets | 0.1445% | 6,181 |
| Return on Equity (ROE) | 1.6806% | 6,037 |
| Retained earnings to average equity (ytd only) | 1.6806% | 5,146 |
| Net charge-offs to loans | -0.0590% | 6,207 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8298% | 788 |
| Assets per employee ($millions) | 3.7088% | 4,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 5,245 |
| Loan loss allowance to noncurrent loans | 31.3984% | 5,976 |
| Noncurrent assets plus other real estate owned to assets | 2.0096% | 2,337 |
| Noncurrent loans to loans | 3.7741% | 1,226 |
| Net loans and leases to total assets | 33.4440% | 6,444 |
| Net loans and leases to deposits | 38.7867% | 6,472 |
| Net loans and leases to core deposits | 40.4814% | 6,465 |
| Total domestic deposits to total assets | 86.2254% | 3,401 |
| Equity capital to assets | 11.6639% | 2,282 |
| Core capital (leverage) ratio | 9.3953% | 4,249 |
| Tier 1 risk-based capital ratio | 24.0721% | 1,005 |
| Total risk-based capital ratio | 25.3834% | 977 |
| Memoranda: | ||
| Average total assets | $119,021,500 | 4,416 |
| Average earning assets | $99,889,000 | 4,626 |
| Average equity | $13,804,500 | 4,229 |
| Average total loans | $40,677,500 | 5,434 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8473% | 5,714 |
| Cost of funding earning assets | 1.2187% | 531 |
| Net interest margin | 2.6286% | 6,606 |
| Noninterest income to average assets | 0.4835% | 4,015 |
| Noninterest expense to average assets | 2.5757% | 4,838 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1540% | 5,880 |
| Return on assets (ROA) | 0.1788% | 5,997 |
| Pretax return on assets | 0.1308% | 6,102 |
| Return on Equity (ROE) | 1.5411% | 6,010 |
| Retained earnings to average equity (ytd only) | -1.3128% | 6,065 |
| Net charge-offs to loans | 0.6525% | 1,803 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 0.4491% | 5,265 |
| Efficiency ratio | 96.0482% | 707 |
| Assets per employee ($millions) | 3.6170% | 4,739 |
| Cash dividends to net income (ytd only)* | 185.1852% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 5,384 |
| Loan loss allowance to noncurrent loans | 30.1863% | 6,058 |
| Noncurrent assets plus other real estate owned to assets | 2.0275% | 2,417 |
| Noncurrent loans to loans | 3.7803% | 1,281 |
| Net loans and leases to total assets | 34.1125% | 6,540 |
| Net loans and leases to deposits | 40.6918% | 6,519 |
| Net loans and leases to core deposits | 42.3320% | 6,534 |
| Total domestic deposits to total assets | 83.8314% | 4,392 |
| Equity capital to assets | 11.5331% | 2,414 |
| Core capital (leverage) ratio | 9.4707% | 4,147 |
| Tier 1 risk-based capital ratio | 24.5777% | 902 |
| Total risk-based capital ratio | 25.7632% | 889 |
| Memoranda: | ||
| Average total assets | $120,781,200 | 4,347 |
| Average earning assets | $101,006,200 | 4,572 |
| Average equity | $14,016,000 | 4,156 |
| Average total loans | $43,679,400 | 5,348 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9150% | 5,753 |
| Cost of funding earning assets | 1.2835% | 474 |
| Net interest margin | 2.6315% | 6,725 |
| Noninterest income to average assets | 0.4865% | 4,013 |
| Noninterest expense to average assets | 2.5381% | 4,966 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2366% | 5,818 |
| Return on assets (ROA) | 0.2664% | 5,925 |
| Pretax return on assets | 0.1783% | 6,159 |
| Return on Equity (ROE) | 2.2919% | 5,945 |
| Retained earnings to average equity (ytd only) | 2.2919% | 5,189 |
| Net charge-offs to loans | 0.6952% | 1,589 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.5844% | 5,024 |
| Efficiency ratio | 94.4695% | 748 |
| Assets per employee ($millions) | 3.6357% | 4,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2464% | 5,062 |
| Loan loss allowance to noncurrent loans | 38.7001% | 5,704 |
| Noncurrent assets plus other real estate owned to assets | 1.7520% | 2,975 |
| Noncurrent loans to loans | 3.2206% | 1,713 |
| Net loans and leases to total assets | 34.6050% | 6,628 |
| Net loans and leases to deposits | 41.4699% | 6,624 |
| Net loans and leases to core deposits | 43.1423% | 6,627 |
| Total domestic deposits to total assets | 83.4460% | 4,461 |
| Equity capital to assets | 11.8198% | 2,415 |
| Core capital (leverage) ratio | 9.7137% | 3,934 |
| Tier 1 risk-based capital ratio | 23.9729% | 1,025 |
| Total risk-based capital ratio | 25.0985% | 1,022 |
| Memoranda: | ||
| Average total assets | $121,136,250 | 4,371 |
| Average earning assets | $101,281,750 | 4,614 |
| Average equity | $14,078,500 | 4,181 |
| Average total loans | $44,302,500 | 5,383 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9922% | 5,661 |
| Cost of funding earning assets | 1.3340% | 456 |
| Net interest margin | 2.6582% | 6,762 |
| Noninterest income to average assets | 0.4773% | 4,077 |
| Noninterest expense to average assets | 2.5279% | 5,046 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1860% | 5,960 |
| Return on assets (ROA) | 0.2288% | 6,022 |
| Pretax return on assets | 0.2090% | 6,132 |
| Return on Equity (ROE) | 1.9794% | 6,045 |
| Retained earnings to average equity (ytd only) | 1.9794% | 5,205 |
| Net charge-offs to loans | 0.0133% | 5,258 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 33.6667% | 994 |
| Efficiency ratio | 93.8302% | 811 |
| Assets per employee ($millions) | 3.5708% | 4,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7558% | 3,004 |
| Loan loss allowance to noncurrent loans | 45.7978% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 1.9455% | 2,853 |
| Noncurrent loans to loans | 3.8338% | 1,463 |
| Net loans and leases to total assets | 34.6583% | 6,686 |
| Net loans and leases to deposits | 41.3799% | 6,682 |
| Net loans and leases to core deposits | 43.0171% | 6,697 |
| Total domestic deposits to total assets | 83.7564% | 4,418 |
| Equity capital to assets | 11.6228% | 2,468 |
| Core capital (leverage) ratio | 9.5445% | 4,085 |
| Tier 1 risk-based capital ratio | 22.5590% | 1,190 |
| Total risk-based capital ratio | 23.9095% | 1,166 |
| Memoranda: | ||
| Average total assets | $121,522,670 | 4,389 |
| Average earning assets | $101,347,670 | 4,637 |
| Average equity | $14,044,330 | 4,188 |
| Average total loans | $45,056,000 | 5,378 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1135% | 5,402 |
| Cost of funding earning assets | 1.3646% | 480 |
| Net interest margin | 2.7489% | 6,716 |
| Noninterest income to average assets | 0.4935% | 3,954 |
| Noninterest expense to average assets | 2.5531% | 4,979 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2248% | 5,906 |
| Return on assets (ROA) | 0.2928% | 5,848 |
| Pretax return on assets | 0.3126% | 5,952 |
| Return on Equity (ROE) | 2.5409% | 5,887 |
| Retained earnings to average equity (ytd only) | 2.5409% | 4,986 |
| Net charge-offs to loans | 0.0520% | 3,981 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 12.1667% | 1,621 |
| Efficiency ratio | 91.4016% | 985 |
| Assets per employee ($millions) | 3.7461% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6661% | 3,481 |
| Loan loss allowance to noncurrent loans | 50.1674% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 1.8104% | 3,158 |
| Noncurrent loans to loans | 3.3211% | 1,921 |
| Net loans and leases to total assets | 35.7596% | 6,635 |
| Net loans and leases to deposits | 42.4996% | 6,637 |
| Net loans and leases to core deposits | 44.1358% | 6,650 |
| Total domestic deposits to total assets | 84.1409% | 4,425 |
| Equity capital to assets | 11.3655% | 2,563 |
| Core capital (leverage) ratio | 9.5367% | 3,999 |
| Tier 1 risk-based capital ratio | 20.7893% | 1,526 |
| Total risk-based capital ratio | 22.1151% | 1,484 |
| Memoranda: | ||
| Average total assets | $121,580,000 | 4,420 |
| Average earning assets | $101,714,500 | 4,659 |
| Average equity | $14,011,000 | 4,199 |
| Average total loans | $46,169,000 | 5,371 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5190% | 4,994 |
| Cost of funding earning assets | 1.5759% | 522 |
| Net interest margin | 2.9431% | 6,620 |
| Noninterest income to average assets | 0.4848% | 3,959 |
| Noninterest expense to average assets | 2.5956% | 5,112 |
| Loan and lease loss provision to assets | 0.0249% | 6,261 |
| Net operating income to assets | 0.3166% | 5,196 |
| Return on assets (ROA) | 0.3290% | 5,301 |
| Pretax return on assets | 0.3298% | 5,474 |
| Return on Equity (ROE) | 2.8613% | 5,344 |
| Retained earnings to average equity (ytd only) | 0.6991% | 5,520 |
| Net charge-offs to loans | 0.3735% | 3,538 |
| Credit loss provision to net charge-offs | 16.6667% | 5,953 |
| Earnings coverage of net charge-offs (x) | 2.2944% | 4,073 |
| Efficiency ratio | 88.3498% | 1,331 |
| Assets per employee ($millions) | 3.3206% | 5,451 |
| Cash dividends to net income (ytd only)* | 75.5668% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5934% | 3,614 |
| Loan loss allowance to noncurrent loans | 42.0613% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 2.1708% | 2,769 |
| Noncurrent loans to loans | 3.7883% | 1,659 |
| Net loans and leases to total assets | 39.0062% | 6,597 |
| Net loans and leases to deposits | 47.1047% | 6,557 |
| Net loans and leases to core deposits | 49.0047% | 6,592 |
| Total domestic deposits to total assets | 82.8074% | 4,827 |
| Equity capital to assets | 11.6881% | 2,347 |
| Core capital (leverage) ratio | 9.6678% | 3,784 |
| Tier 1 risk-based capital ratio | 19.3077% | 1,814 |
| Total risk-based capital ratio | 20.6216% | 1,767 |
| Memoranda: | ||
| Average total assets | $120,667,600 | 4,382 |
| Average earning assets | $100,574,400 | 4,625 |
| Average equity | $13,875,000 | 4,134 |
| Average total loans | $48,195,600 | 5,338 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5620% | 5,028 |
| Cost of funding earning assets | 1.6168% | 543 |
| Net interest margin | 2.9452% | 6,678 |
| Noninterest income to average assets | 0.4850% | 3,999 |
| Noninterest expense to average assets | 2.5894% | 5,123 |
| Loan and lease loss provision to assets | 0.0331% | 6,025 |
| Net operating income to assets | 0.3070% | 5,373 |
| Return on assets (ROA) | 0.3230% | 5,480 |
| Pretax return on assets | 0.3329% | 5,636 |
| Return on Equity (ROE) | 2.8205% | 5,495 |
| Retained earnings to average equity (ytd only) | 2.8205% | 4,667 |
| Net charge-offs to loans | 0.1350% | 4,700 |
| Credit loss provision to net charge-offs | 61.2245% | 4,773 |
| Earnings coverage of net charge-offs (x) | 6.4696% | 2,546 |
| Efficiency ratio | 88.1095% | 1,332 |
| Assets per employee ($millions) | 3.4179% | 5,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8640% | 2,734 |
| Loan loss allowance to noncurrent loans | 51.7826% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 2.0990% | 3,032 |
| Noncurrent loans to loans | 3.5998% | 1,908 |
| Net loans and leases to total assets | 38.9920% | 6,712 |
| Net loans and leases to deposits | 47.2531% | 6,670 |
| Net loans and leases to core deposits | 49.1631% | 6,705 |
| Total domestic deposits to total assets | 82.5173% | 4,869 |
| Equity capital to assets | 11.8635% | 2,365 |
| Core capital (leverage) ratio | 9.7280% | 3,807 |
| Tier 1 risk-based capital ratio | 19.5384% | 1,807 |
| Total risk-based capital ratio | 20.8760% | 1,750 |
| Memoranda: | ||
| Average total assets | $120,949,500 | 4,394 |
| Average earning assets | $100,771,500 | 4,650 |
| Average equity | $13,850,750 | 4,154 |
| Average total loans | $48,398,750 | 5,371 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6360% | 4,813 |
| Cost of funding earning assets | 1.6516% | 565 |
| Net interest margin | 2.9844% | 6,637 |
| Noninterest income to average assets | 0.4745% | 4,067 |
| Noninterest expense to average assets | 2.6559% | 4,981 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2924% | 5,397 |
| Return on assets (ROA) | 0.3163% | 5,441 |
| Pretax return on assets | 0.3262% | 5,608 |
| Return on Equity (ROE) | 2.7954% | 5,479 |
| Retained earnings to average equity (ytd only) | 2.7954% | 4,501 |
| Net charge-offs to loans | 0.1397% | 4,356 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 5.3824% | 2,622 |
| Efficiency ratio | 89.8050% | 1,254 |
| Assets per employee ($millions) | 3.3772% | 5,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8581% | 2,805 |
| Loan loss allowance to noncurrent loans | 50.3106% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 2.0941% | 3,113 |
| Noncurrent loans to loans | 3.6934% | 1,901 |
| Net loans and leases to total assets | 38.7070% | 6,824 |
| Net loans and leases to deposits | 46.6689% | 6,798 |
| Net loans and leases to core deposits | 48.5045% | 6,834 |
| Total domestic deposits to total assets | 82.9396% | 4,781 |
| Equity capital to assets | 11.5702% | 2,443 |
| Core capital (leverage) ratio | 9.6579% | 3,723 |
| Tier 1 risk-based capital ratio | 18.8869% | 1,875 |
| Total risk-based capital ratio | 20.2531% | 1,807 |
| Memoranda: | ||
| Average total assets | $121,390,330 | 4,408 |
| Average earning assets | $100,992,000 | 4,683 |
| Average equity | $13,737,000 | 4,171 |
| Average total loans | $48,688,000 | 5,410 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6293% | 4,823 |
| Cost of funding earning assets | 1.7201% | 513 |
| Net interest margin | 2.9091% | 6,742 |
| Noninterest income to average assets | 0.4749% | 4,087 |
| Noninterest expense to average assets | 2.6745% | 4,940 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2506% | 5,614 |
| Return on assets (ROA) | 0.2869% | 5,542 |
| Pretax return on assets | 0.2572% | 5,788 |
| Return on Equity (ROE) | 2.5641% | 5,578 |
| Retained earnings to average equity (ytd only) | 2.5641% | 4,626 |
| Net charge-offs to loans | 0.2691% | 2,991 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 2.0303% | 3,285 |
| Efficiency ratio | 92.3690% | 1,139 |
| Assets per employee ($millions) | 3.4608% | 5,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8290% | 2,923 |
| Loan loss allowance to noncurrent loans | 67.8327% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 1.7254% | 3,664 |
| Noncurrent loans to loans | 2.6963% | 2,801 |
| Net loans and leases to total assets | 39.5268% | 6,808 |
| Net loans and leases to deposits | 47.4787% | 6,773 |
| Net loans and leases to core deposits | 49.2096% | 6,820 |
| Total domestic deposits to total assets | 83.2516% | 4,822 |
| Equity capital to assets | 11.2715% | 2,437 |
| Core capital (leverage) ratio | 9.4525% | 3,880 |
| Tier 1 risk-based capital ratio | 18.2835% | 2,026 |
| Total risk-based capital ratio | 19.6463% | 1,941 |
| Memoranda: | ||
| Average total assets | $121,295,500 | 4,436 |
| Average earning assets | $100,923,000 | 4,710 |
| Average equity | $13,572,000 | 4,197 |
| Average total loans | $49,056,500 | 5,438 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9248% | 4,904 |
| Cost of funding earning assets | 2.1446% | 371 |
| Net interest margin | 2.7802% | 7,052 |
| Noninterest income to average assets | 1.4777% | 662 |
| Noninterest expense to average assets | 2.6707% | 5,123 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.2577% | 1,274 |
| Return on assets (ROA) | 1.1390% | 1,661 |
| Pretax return on assets | 1.0377% | 2,820 |
| Return on Equity (ROE) | 10.4661% | 1,771 |
| Retained earnings to average equity (ytd only) | 5.8891% | 1,889 |
| Net charge-offs to loans | 0.2126% | 5,013 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 13.2667% | 1,423 |
| Efficiency ratio | 69.7831% | 4,224 |
| Assets per employee ($millions) | 3.4704% | 5,003 |
| Cash dividends to net income (ytd only)* | 43.7318% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8746% | 2,634 |
| Loan loss allowance to noncurrent loans | 64.3702% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 1.6919% | 3,762 |
| Noncurrent loans to loans | 2.9123% | 2,619 |
| Net loans and leases to total assets | 39.8623% | 6,972 |
| Net loans and leases to deposits | 49.2348% | 6,894 |
| Net loans and leases to core deposits | 51.3817% | 6,932 |
| Total domestic deposits to total assets | 80.9638% | 5,535 |
| Equity capital to assets | 11.1071% | 2,590 |
| Core capital (leverage) ratio | 9.6032% | 3,555 |
| Tier 1 risk-based capital ratio | 17.9935% | 2,001 |
| Total risk-based capital ratio | 19.2456% | 1,962 |
| Memoranda: | ||
| Average total assets | $120,454,400 | 4,473 |
| Average earning assets | $101,790,000 | 4,677 |
| Average equity | $13,109,000 | 4,347 |
| Average total loans | $49,380,800 | 5,510 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9910% | 4,862 |
| Cost of funding earning assets | 2.2185% | 364 |
| Net interest margin | 2.7725% | 7,160 |
| Noninterest income to average assets | 0.5568% | 3,734 |
| Noninterest expense to average assets | 2.6665% | 5,018 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.2917% | 5,201 |
| Return on assets (ROA) | 0.2984% | 5,343 |
| Pretax return on assets | 0.2451% | 5,622 |
| Return on Equity (ROE) | 2.7561% | 5,323 |
| Retained earnings to average equity (ytd only) | 2.7561% | 4,504 |
| Net charge-offs to loans | 0.1971% | 4,763 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 2.9452% | 3,659 |
| Efficiency ratio | 91.7908% | 1,143 |
| Assets per employee ($millions) | 3.3779% | 5,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9311% | 2,399 |
| Loan loss allowance to noncurrent loans | 73.3896% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.6046% | 4,043 |
| Noncurrent loans to loans | 2.6314% | 2,992 |
| Net loans and leases to total assets | 41.1069% | 7,019 |
| Net loans and leases to deposits | 51.0939% | 6,942 |
| Net loans and leases to core deposits | 53.3973% | 6,987 |
| Total domestic deposits to total assets | 80.4535% | 5,557 |
| Equity capital to assets | 11.3012% | 2,703 |
| Core capital (leverage) ratio | 9.3548% | 4,127 |
| Tier 1 risk-based capital ratio | 17.2093% | 2,275 |
| Total risk-based capital ratio | 18.4619% | 2,238 |
| Memoranda: | ||
| Average total assets | $120,202,250 | 4,536 |
| Average earning assets | $101,807,750 | 4,732 |
| Average equity | $13,013,500 | 4,434 |
| Average total loans | $49,390,250 | 5,590 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0986% | 4,462 |
| Cost of funding earning assets | 2.2902% | 349 |
| Net interest margin | 2.8084% | 7,131 |
| Noninterest income to average assets | 0.5180% | 3,971 |
| Noninterest expense to average assets | 2.6526% | 5,117 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3177% | 5,108 |
| Return on assets (ROA) | 0.3260% | 5,248 |
| Pretax return on assets | 0.2681% | 5,602 |
| Return on Equity (ROE) | 3.0548% | 5,191 |
| Retained earnings to average equity (ytd only) | 3.0548% | 4,157 |
| Net charge-offs to loans | 0.1662% | 4,618 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 3.8293% | 3,166 |
| Efficiency ratio | 91.0795% | 1,259 |
| Assets per employee ($millions) | 3.3330% | 5,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9908% | 2,210 |
| Loan loss allowance to noncurrent loans | 69.5775% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 1.6010% | 4,041 |
| Noncurrent loans to loans | 2.8612% | 2,799 |
| Net loans and leases to total assets | 40.5379% | 7,132 |
| Net loans and leases to deposits | 50.1319% | 7,063 |
| Net loans and leases to core deposits | 52.3387% | 7,123 |
| Total domestic deposits to total assets | 80.8624% | 5,451 |
| Equity capital to assets | 11.0310% | 2,828 |
| Core capital (leverage) ratio | 9.2644% | 4,185 |
| Tier 1 risk-based capital ratio | 17.0212% | 2,275 |
| Total risk-based capital ratio | 18.2767% | 2,217 |
| Memoranda: | ||
| Average total assets | $120,861,000 | 4,551 |
| Average earning assets | $103,047,000 | 4,720 |
| Average equity | $12,897,670 | 4,459 |
| Average total loans | $49,335,000 | 5,636 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2446% | 3,808 |
| Cost of funding earning assets | 2.4227% | 277 |
| Net interest margin | 2.8219% | 7,150 |
| Noninterest income to average assets | 0.5276% | 3,830 |
| Noninterest expense to average assets | 2.7437% | 4,711 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2572% | 5,466 |
| Return on assets (ROA) | 0.2572% | 5,593 |
| Pretax return on assets | 0.1847% | 5,925 |
| Return on Equity (ROE) | 2.4512% | 5,575 |
| Retained earnings to average equity (ytd only) | 2.4512% | 4,664 |
| Net charge-offs to loans | 0.2358% | 3,523 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.9310% | 3,575 |
| Efficiency ratio | 93.6937% | 1,152 |
| Assets per employee ($millions) | 3.4435% | 5,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0778% | 2,000 |
| Loan loss allowance to noncurrent loans | 92.0037% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 1.3300% | 4,528 |
| Noncurrent loans to loans | 2.2584% | 3,450 |
| Net loans and leases to total assets | 39.1422% | 7,299 |
| Net loans and leases to deposits | 48.6772% | 7,196 |
| Net loans and leases to core deposits | 50.8110% | 7,254 |
| Total domestic deposits to total assets | 80.4119% | 5,652 |
| Equity capital to assets | 10.7283% | 3,026 |
| Core capital (leverage) ratio | 8.8639% | 4,777 |
| Tier 1 risk-based capital ratio | 17.0750% | 2,244 |
| Total risk-based capital ratio | 18.3286% | 2,193 |
| Memoranda: | ||
| Average total assets | $121,297,000 | 4,596 |
| Average earning assets | $103,192,500 | 4,778 |
| Average equity | $12,728,500 | 4,535 |
| Average total loans | $49,188,000 | 5,704 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3435% | 4,967 |
| Cost of funding earning assets | 2.6913% | 607 |
| Net interest margin | 2.6522% | 7,276 |
| Noninterest income to average assets | 0.5355% | 4,138 |
| Noninterest expense to average assets | 2.6603% | 5,549 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.1211% | 5,143 |
| Return on assets (ROA) | -0.0369% | 5,588 |
| Pretax return on assets | -0.0902% | 5,587 |
| Return on Equity (ROE) | -0.3558% | 5,596 |
| Retained earnings to average equity (ytd only) | -0.3558% | 5,046 |
| Net charge-offs to loans | 0.8379% | 2,733 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 0.4670% | 5,643 |
| Efficiency ratio | 94.4396% | 1,384 |
| Assets per employee ($millions) | 3.4878% | 5,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0518% | 1,908 |
| Loan loss allowance to noncurrent loans | 190.7407% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.9322% | 5,239 |
| Noncurrent loans to loans | 1.0757% | 5,168 |
| Net loans and leases to total assets | 40.2795% | 7,336 |
| Net loans and leases to deposits | 51.2882% | 7,186 |
| Net loans and leases to core deposits | 62.1602% | 7,185 |
| Total domestic deposits to total assets | 78.5356% | 6,109 |
| Equity capital to assets | 10.2620% | 3,445 |
| Core capital (leverage) ratio | 8.9196% | 4,561 |
| Tier 1 risk-based capital ratio | 16.4342% | 2,346 |
| Total risk-based capital ratio | 17.6890% | 2,293 |
| Memoranda: | ||
| Average total assets | $121,941,200 | 4,515 |
| Average earning assets | $104,894,400 | 4,708 |
| Average equity | $12,647,400 | 4,602 |
| Average total loans | $48,813,400 | 5,726 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2900% | 5,482 |
| Cost of funding earning assets | 2.7210% | 742 |
| Net interest margin | 2.5690% | 7,386 |
| Noninterest income to average assets | 0.5326% | 4,214 |
| Noninterest expense to average assets | 2.6817% | 5,402 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.0515% | 5,604 |
| Return on assets (ROA) | -0.2045% | 6,081 |
| Pretax return on assets | -0.2680% | 6,063 |
| Return on Equity (ROE) | -1.9667% | 6,096 |
| Retained earnings to average equity (ytd only) | -1.9667% | 5,720 |
| Net charge-offs to loans | 0.1376% | 5,324 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 1.2599% | 4,828 |
| Efficiency ratio | 97.4950% | 1,188 |
| Assets per employee ($millions) | 3.5059% | 4,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7337% | 852 |
| Loan loss allowance to noncurrent loans | 97.6124% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 1.2233% | 4,624 |
| Noncurrent loans to loans | 2.8006% | 2,710 |
| Net loans and leases to total assets | 40.3048% | 7,450 |
| Net loans and leases to deposits | 51.4684% | 7,334 |
| Net loans and leases to core deposits | 62.8092% | 7,294 |
| Total domestic deposits to total assets | 78.3098% | 5,998 |
| Equity capital to assets | 10.3948% | 3,622 |
| Core capital (leverage) ratio | 8.9023% | 4,810 |
| Tier 1 risk-based capital ratio | 16.3896% | 2,476 |
| Total risk-based capital ratio | 17.6498% | 2,413 |
| Memoranda: | ||
| Average total assets | $121,908,500 | 4,545 |
| Average earning assets | $105,251,750 | 4,730 |
| Average equity | $12,677,500 | 4,609 |
| Average total loans | $48,466,750 | 5,784 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2111% | 6,039 |
| Cost of funding earning assets | 2.7649% | 865 |
| Net interest margin | 2.4462% | 7,529 |
| Noninterest income to average assets | 0.5376% | 4,130 |
| Noninterest expense to average assets | 2.7490% | 5,181 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.0803% | 5,975 |
| Return on assets (ROA) | -0.4702% | 6,530 |
| Pretax return on assets | -0.6100% | 6,535 |
| Return on Equity (ROE) | -4.5211% | 6,554 |
| Retained earnings to average equity (ytd only) | -4.5211% | 6,225 |
| Net charge-offs to loans | -0.0210% | 7,706 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.9155% | 1,036 |
| Assets per employee ($millions) | 3.4107% | 5,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8953% | 617 |
| Loan loss allowance to noncurrent loans | 133.7037% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.8796% | 5,231 |
| Noncurrent loans to loans | 2.1655% | 3,291 |
| Net loans and leases to total assets | 39.4432% | 7,574 |
| Net loans and leases to deposits | 50.0145% | 7,483 |
| Net loans and leases to core deposits | 60.5587% | 7,432 |
| Total domestic deposits to total assets | 78.8637% | 5,847 |
| Equity capital to assets | 9.8343% | 4,168 |
| Core capital (leverage) ratio | 8.7424% | 5,017 |
| Tier 1 risk-based capital ratio | 16.1665% | 2,561 |
| Total risk-based capital ratio | 17.4290% | 2,505 |
| Memoranda: | ||
| Average total assets | $121,643,000 | 4,591 |
| Average earning assets | $104,814,670 | 4,762 |
| Average equity | $12,651,670 | 4,644 |
| Average total loans | $47,673,670 | 5,863 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0622% | 6,755 |
| Cost of funding earning assets | 2.8170% | 941 |
| Net interest margin | 2.2452% | 7,763 |
| Noninterest income to average assets | 0.5220% | 4,120 |
| Noninterest expense to average assets | 2.6926% | 5,045 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.1520% | 6,481 |
| Return on assets (ROA) | 0.2247% | 5,741 |
| Pretax return on assets | 0.1520% | 6,043 |
| Return on Equity (ROE) | 2.1020% | 5,737 |
| Retained earnings to average equity (ytd only) | 2.1020% | 4,700 |
| Net charge-offs to loans | -0.4037% | 8,095 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.1031% | 834 |
| Assets per employee ($millions) | 3.2917% | 5,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0870% | 451 |
| Loan loss allowance to noncurrent loans | 162.0502% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.7529% | 5,275 |
| Noncurrent loans to loans | 1.9049% | 3,404 |
| Net loans and leases to total assets | 38.3040% | 7,653 |
| Net loans and leases to deposits | 49.0269% | 7,535 |
| Net loans and leases to core deposits | 59.7039% | 7,472 |
| Total domestic deposits to total assets | 78.1286% | 5,966 |
| Equity capital to assets | 10.5514% | 3,411 |
| Core capital (leverage) ratio | 9.1146% | 4,531 |
| Tier 1 risk-based capital ratio | 17.1385% | 2,296 |
| Total risk-based capital ratio | 18.4021% | 2,235 |
| Memoranda: | ||
| Average total assets | $121,072,500 | 4,617 |
| Average earning assets | $104,935,000 | 4,774 |
| Average equity | $12,940,000 | 4,591 |
| Average total loans | $46,573,500 | 5,937 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5653% | 7,165 |
| Cost of funding earning assets | 3.1387% | 1,387 |
| Net interest margin | 2.4266% | 7,826 |
| Noninterest income to average assets | 0.2778% | 6,473 |
| Noninterest expense to average assets | 2.4811% | 6,086 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1239% | 6,047 |
| Return on assets (ROA) | -1.0592% | 7,205 |
| Pretax return on assets | -1.9511% | 7,428 |
| Return on Equity (ROE) | -9.7463% | 7,262 |
| Retained earnings to average equity (ytd only) | -12.6930% | 7,309 |
| Net charge-offs to loans | 0.3021% | 3,383 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -0.9771% | 6,589 |
| Efficiency ratio | 104.3083% | 860 |
| Assets per employee ($millions) | 3.3431% | 5,108 |
| Cash dividends to net income (ytd only)* | -30.2343% | 7,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1971% | 370 |
| Loan loss allowance to noncurrent loans | 152.1142% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.7860% | 4,883 |
| Noncurrent loans to loans | 2.1018% | 2,630 |
| Net loans and leases to total assets | 36.2024% | 7,824 |
| Net loans and leases to deposits | 46.6618% | 7,763 |
| Net loans and leases to core deposits | 57.0340% | 7,707 |
| Total domestic deposits to total assets | 77.5847% | 5,843 |
| Equity capital to assets | 10.8258% | 3,184 |
| Core capital (leverage) ratio | 9.2177% | 4,415 |
| Tier 1 risk-based capital ratio | 17.8265% | 2,084 |
| Total risk-based capital ratio | 19.0905% | 2,020 |
| Memoranda: | ||
| Average total assets | $124,906,200 | 4,396 |
| Average earning assets | $108,134,600 | 4,556 |
| Average equity | $13,574,400 | 4,430 |
| Average total loans | $43,361,000 | 6,009 |