Home > Citizens Bank > Performance and Condition Ratios
Citizens Bank, Performance and Condition Ratios
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7628% | 1,049 |
| Cost of funding earning assets | 0.4251% | 3,000 |
| Net interest margin | 4.3377% | 890 |
| Noninterest income to average assets | 0.5357% | 2,797 |
| Noninterest expense to average assets | 4.3100% | 373 |
| Loan and lease loss provision to assets | 0.1412% | 1,610 |
| Net operating income to assets | 0.1526% | 5,195 |
| Return on assets (ROA) | 0.1069% | 5,254 |
| Pretax return on assets | 0.1069% | 5,371 |
| Return on Equity (ROE) | 1.3422% | 5,177 |
| Retained earnings to average equity (ytd only) | -3.6032% | 5,379 |
| Net charge-offs to loans | 0.0219% | 3,370 |
| Credit loss provision to net charge-offs | 735.1351% | 454 |
| Earnings coverage of net charge-offs (x) | 15.2973% | 2,255 |
| Efficiency ratio | 93.6182% | 306 |
| Assets per employee ($millions) | 3.9480% | 4,050 |
| Cash dividends to net income (ytd only)* | 368.4466% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 2,893 |
| Loan loss allowance to noncurrent loans | 149.9633% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.9198% | 1,679 |
| Noncurrent loans to loans | 0.7875% | 2,249 |
| Net loans and leases to total assets | 90.2510% | 70 |
| Net loans and leases to deposits | 99.5495% | 768 |
| Net loans and leases to core deposits | 110.5358% | 971 |
| Total domestic deposits to total assets | 90.6594% | 349 |
| Equity capital to assets | 7.6251% | 5,511 |
| Core capital (leverage) ratio | 7.5860% | 5,544 |
| Tier 1 risk-based capital ratio | 9.3448% | 5,615 |
| Total risk-based capital ratio | 10.5956% | 5,604 |
| Memoranda: | ||
| Average total assets | $192,645,800 | 2,990 |
| Average earning assets | $180,671,800 | 2,959 |
| Average equity | $15,347,600 | 3,677 |
| Average total loans | $169,228,600 | 2,428 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7278% | 1,076 |
| Cost of funding earning assets | 0.4178% | 3,009 |
| Net interest margin | 4.3100% | 899 |
| Noninterest income to average assets | 0.5370% | 2,795 |
| Noninterest expense to average assets | 3.3617% | 1,221 |
| Loan and lease loss provision to assets | 0.1875% | 1,042 |
| Net operating income to assets | 1.0264% | 2,432 |
| Return on assets (ROA) | 1.0264% | 2,478 |
| Pretax return on assets | 1.0264% | 3,581 |
| Return on Equity (ROE) | 12.7490% | 1,114 |
| Retained earnings to average equity (ytd only) | 12.7490% | 240 |
| Net charge-offs to loans | 0.0887% | 1,914 |
| Credit loss provision to net charge-offs | 242.8571% | 1,157 |
| Earnings coverage of net charge-offs (x) | 15.7232% | 2,208 |
| Efficiency ratio | 73.4709% | 1,977 |
| Assets per employee ($millions) | 4.1114% | 3,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 3,234 |
| Loan loss allowance to noncurrent loans | 143.5543% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.8883% | 1,935 |
| Noncurrent loans to loans | 0.7959% | 2,366 |
| Net loans and leases to total assets | 86.4138% | 231 |
| Net loans and leases to deposits | 99.0999% | 810 |
| Net loans and leases to core deposits | 110.0325% | 1,032 |
| Total domestic deposits to total assets | 87.1987% | 1,775 |
| Equity capital to assets | 8.3574% | 5,366 |
| Core capital (leverage) ratio | 8.4464% | 5,280 |
| Tier 1 risk-based capital ratio | 10.3627% | 5,495 |
| Total risk-based capital ratio | 11.5957% | 5,438 |
| Memoranda: | ||
| Average total assets | $193,430,750 | 3,011 |
| Average earning assets | $181,248,000 | 2,978 |
| Average equity | $15,572,000 | 3,683 |
| Average total loans | $168,267,000 | 2,458 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6540% | 1,149 |
| Cost of funding earning assets | 0.4115% | 2,964 |
| Net interest margin | 4.2426% | 988 |
| Noninterest income to average assets | 0.5361% | 2,788 |
| Noninterest expense to average assets | 3.4124% | 1,141 |
| Loan and lease loss provision to assets | 0.2249% | 776 |
| Net operating income to assets | 0.8703% | 3,072 |
| Return on assets (ROA) | 0.8703% | 3,119 |
| Pretax return on assets | 0.8703% | 4,034 |
| Return on Equity (ROE) | 10.9532% | 1,663 |
| Retained earnings to average equity (ytd only) | 10.9532% | 443 |
| Net charge-offs to loans | 0.1151% | 1,484 |
| Credit loss provision to net charge-offs | 225.0000% | 1,153 |
| Earnings coverage of net charge-offs (x) | 10.9583% | 2,308 |
| Efficiency ratio | 75.7044% | 1,772 |
| Assets per employee ($millions) | 3.9356% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 3,452 |
| Loan loss allowance to noncurrent loans | 149.9224% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.8477% | 2,093 |
| Noncurrent loans to loans | 0.7493% | 2,523 |
| Net loans and leases to total assets | 86.3781% | 245 |
| Net loans and leases to deposits | 94.8219% | 1,194 |
| Net loans and leases to core deposits | 107.4391% | 1,132 |
| Total domestic deposits to total assets | 91.0950% | 201 |
| Equity capital to assets | 8.0548% | 5,514 |
| Core capital (leverage) ratio | 8.2327% | 5,408 |
| Tier 1 risk-based capital ratio | 10.2115% | 5,574 |
| Total risk-based capital ratio | 11.4507% | 5,513 |
| Memoranda: | ||
| Average total assets | $192,125,330 | 3,038 |
| Average earning assets | $179,844,330 | 3,005 |
| Average equity | $15,265,000 | 3,725 |
| Average total loans | $166,854,000 | 2,478 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5457% | 1,267 |
| Cost of funding earning assets | 0.4075% | 2,924 |
| Net interest margin | 4.1382% | 1,122 |
| Noninterest income to average assets | 0.5163% | 2,861 |
| Noninterest expense to average assets | 3.4795% | 1,071 |
| Loan and lease loss provision to assets | 0.1770% | 992 |
| Net operating income to assets | 0.7334% | 3,542 |
| Return on assets (ROA) | 0.7334% | 3,596 |
| Pretax return on assets | 0.7334% | 4,336 |
| Return on Equity (ROE) | 9.2970% | 2,271 |
| Retained earnings to average equity (ytd only) | 9.2970% | 985 |
| Net charge-offs to loans | 0.0097% | 2,638 |
| Credit loss provision to net charge-offs | 2,100.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 501 |
| Efficiency ratio | 79.2607% | 1,453 |
| Assets per employee ($millions) | 3.9091% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1288% | 3,526 |
| Loan loss allowance to noncurrent loans | 103.9011% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.2463% | 1,386 |
| Noncurrent loans to loans | 1.0865% | 1,887 |
| Net loans and leases to total assets | 84.7377% | 310 |
| Net loans and leases to deposits | 92.7025% | 1,251 |
| Net loans and leases to core deposits | 107.0849% | 1,032 |
| Total domestic deposits to total assets | 91.4083% | 193 |
| Equity capital to assets | 7.7798% | 5,606 |
| Core capital (leverage) ratio | 8.1586% | 5,472 |
| Tier 1 risk-based capital ratio | 9.7814% | 5,738 |
| Total risk-based capital ratio | 10.9806% | 5,734 |
| Memoranda: | ||
| Average total assets | $189,799,000 | 3,087 |
| Average earning assets | $177,661,000 | 3,054 |
| Average equity | $14,972,500 | 3,791 |
| Average total loans | $164,329,000 | 2,521 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7955% | 899 |
| Cost of funding earning assets | 0.2981% | 4,085 |
| Net interest margin | 4.4973% | 629 |
| Noninterest income to average assets | 0.6629% | 2,353 |
| Noninterest expense to average assets | 3.9588% | 638 |
| Loan and lease loss provision to assets | 0.2279% | 954 |
| Net operating income to assets | 0.6901% | 3,828 |
| Return on assets (ROA) | 0.7315% | 3,746 |
| Pretax return on assets | 0.7315% | 4,389 |
| Return on Equity (ROE) | 8.5160% | 2,665 |
| Retained earnings to average equity (ytd only) | 8.5160% | 697 |
| Net charge-offs to loans | 0.0995% | 2,284 |
| Credit loss provision to net charge-offs | 265.5172% | 1,083 |
| Earnings coverage of net charge-offs (x) | 10.6966% | 2,614 |
| Efficiency ratio | 81.1772% | 1,285 |
| Assets per employee ($millions) | 3.7580% | 4,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1239% | 3,584 |
| Loan loss allowance to noncurrent loans | 100.2214% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 1.3767% | 1,250 |
| Noncurrent loans to loans | 1.1214% | 1,839 |
| Net loans and leases to total assets | 86.5262% | 205 |
| Net loans and leases to deposits | 95.6845% | 1,028 |
| Net loans and leases to core deposits | 98.5959% | 1,733 |
| Total domestic deposits to total assets | 90.4286% | 472 |
| Equity capital to assets | 8.0041% | 5,563 |
| Core capital (leverage) ratio | 8.5818% | 5,185 |
| Tier 1 risk-based capital ratio | 10.0997% | 5,711 |
| Total risk-based capital ratio | 11.3129% | 5,675 |
| Memoranda: | ||
| Average total assets | $168,964,200 | 3,297 |
| Average earning assets | $158,316,600 | 3,267 |
| Average equity | $14,513,800 | 3,870 |
| Average total loans | $145,775,000 | 2,698 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7991% | 898 |
| Cost of funding earning assets | 0.2909% | 4,201 |
| Net interest margin | 4.5082% | 615 |
| Noninterest income to average assets | 0.8540% | 1,566 |
| Noninterest expense to average assets | 4.0216% | 572 |
| Loan and lease loss provision to assets | 0.2115% | 998 |
| Net operating income to assets | 0.8500% | 3,150 |
| Return on assets (ROA) | 0.9065% | 3,005 |
| Pretax return on assets | 0.9065% | 3,958 |
| Return on Equity (ROE) | 10.3566% | 1,912 |
| Retained earnings to average equity (ytd only) | 10.3566% | 507 |
| Net charge-offs to loans | 0.1334% | 1,638 |
| Credit loss provision to net charge-offs | 184.5070% | 1,520 |
| Earnings coverage of net charge-offs (x) | 9.2605% | 2,687 |
| Efficiency ratio | 79.1170% | 1,539 |
| Assets per employee ($millions) | 3.4255% | 4,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 3,584 |
| Loan loss allowance to noncurrent loans | 148.7247% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 1.3639% | 1,377 |
| Noncurrent loans to loans | 0.7689% | 2,748 |
| Net loans and leases to total assets | 85.3528% | 298 |
| Net loans and leases to deposits | 94.2613% | 1,240 |
| Net loans and leases to core deposits | 97.3198% | 1,877 |
| Total domestic deposits to total assets | 90.5491% | 308 |
| Equity capital to assets | 8.8589% | 5,275 |
| Core capital (leverage) ratio | 8.7681% | 5,083 |
| Tier 1 risk-based capital ratio | 10.9822% | 5,380 |
| Total risk-based capital ratio | 12.2233% | 5,297 |
| Memoranda: | ||
| Average total assets | $165,169,750 | 3,357 |
| Average earning assets | $154,943,250 | 3,324 |
| Average equity | $14,457,500 | 3,917 |
| Average total loans | $141,933,250 | 2,756 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7801% | 920 |
| Cost of funding earning assets | 0.2820% | 4,326 |
| Net interest margin | 4.4982% | 625 |
| Noninterest income to average assets | 1.0286% | 1,059 |
| Noninterest expense to average assets | 4.0825% | 541 |
| Loan and lease loss provision to assets | 0.2060% | 1,041 |
| Net operating income to assets | 0.9648% | 2,548 |
| Return on assets (ROA) | 1.0507% | 2,293 |
| Pretax return on assets | 1.0507% | 3,393 |
| Return on Equity (ROE) | 12.0543% | 1,295 |
| Retained earnings to average equity (ytd only) | 12.0543% | 317 |
| Net charge-offs to loans | 0.0486% | 2,510 |
| Credit loss provision to net charge-offs | 494.1176% | 665 |
| Earnings coverage of net charge-offs (x) | 28.0882% | 1,440 |
| Efficiency ratio | 77.7130% | 1,835 |
| Assets per employee ($millions) | 3.2521% | 5,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1844% | 3,440 |
| Loan loss allowance to noncurrent loans | 104.5371% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 1.8757% | 900 |
| Noncurrent loans to loans | 1.1330% | 2,035 |
| Net loans and leases to total assets | 87.4845% | 172 |
| Net loans and leases to deposits | 96.8604% | 979 |
| Net loans and leases to core deposits | 99.6770% | 1,655 |
| Total domestic deposits to total assets | 90.3202% | 379 |
| Equity capital to assets | 9.1245% | 5,138 |
| Core capital (leverage) ratio | 8.7243% | 5,142 |
| Tier 1 risk-based capital ratio | 10.5767% | 5,641 |
| Total risk-based capital ratio | 11.8037% | 5,562 |
| Memoranda: | ||
| Average total assets | $163,134,670 | 3,398 |
| Average earning assets | $153,218,330 | 3,369 |
| Average equity | $14,219,000 | 3,970 |
| Average total loans | $139,951,330 | 2,791 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5699% | 1,341 |
| Cost of funding earning assets | 0.2684% | 4,518 |
| Net interest margin | 4.3015% | 927 |
| Noninterest income to average assets | 0.5214% | 2,978 |
| Noninterest expense to average assets | 4.0588% | 568 |
| Loan and lease loss provision to assets | 0.2056% | 949 |
| Net operating income to assets | 0.2987% | 5,311 |
| Return on assets (ROA) | 0.2987% | 5,390 |
| Pretax return on assets | 0.2987% | 5,510 |
| Return on Equity (ROE) | 3.5083% | 5,061 |
| Retained earnings to average equity (ytd only) | 3.5083% | 3,741 |
| Net charge-offs to loans | 0.0087% | 2,834 |
| Credit loss provision to net charge-offs | 2,800.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 68.6667% | 708 |
| Efficiency ratio | 88.9485% | 751 |
| Assets per employee ($millions) | 3.3265% | 5,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 3,600 |
| Loan loss allowance to noncurrent loans | 44.1475% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 2.6525% | 536 |
| Noncurrent loans to loans | 2.6731% | 670 |
| Net loans and leases to total assets | 81.5399% | 622 |
| Net loans and leases to deposits | 89.4110% | 1,648 |
| Net loans and leases to core deposits | 91.8754% | 2,197 |
| Total domestic deposits to total assets | 91.1967% | 218 |
| Equity capital to assets | 8.2946% | 5,699 |
| Core capital (leverage) ratio | 8.4057% | 5,473 |
| Tier 1 risk-based capital ratio | 10.5414% | 5,733 |
| Total risk-based capital ratio | 11.7887% | 5,635 |
| Memoranda: | ||
| Average total assets | $163,399,000 | 3,410 |
| Average earning assets | $153,528,000 | 3,372 |
| Average equity | $13,910,000 | 4,015 |
| Average total loans | $137,947,000 | 2,827 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8400% | 862 |
| Cost of funding earning assets | 0.2587% | 4,700 |
| Net interest margin | 4.5812% | 568 |
| Noninterest income to average assets | 0.5798% | 2,833 |
| Noninterest expense to average assets | 4.0427% | 629 |
| Loan and lease loss provision to assets | 0.2512% | 755 |
| Net operating income to assets | 0.6299% | 4,139 |
| Return on assets (ROA) | 0.6363% | 4,191 |
| Pretax return on assets | 0.5601% | 4,962 |
| Return on Equity (ROE) | 7.6075% | 3,188 |
| Retained earnings to average equity (ytd only) | 7.6075% | 1,062 |
| Net charge-offs to loans | 0.1920% | 1,512 |
| Credit loss provision to net charge-offs | 159.0361% | 1,689 |
| Earnings coverage of net charge-offs (x) | 5.0964% | 3,439 |
| Efficiency ratio | 83.3944% | 1,236 |
| Assets per employee ($millions) | 3.0220% | 5,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 3,722 |
| Loan loss allowance to noncurrent loans | 77.3892% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 1.7156% | 1,130 |
| Noncurrent loans to loans | 1.4937% | 1,555 |
| Net loans and leases to total assets | 85.4855% | 273 |
| Net loans and leases to deposits | 94.2967% | 1,177 |
| Net loans and leases to core deposits | 96.6738% | 1,781 |
| Total domestic deposits to total assets | 90.6558% | 393 |
| Equity capital to assets | 8.7486% | 5,352 |
| Core capital (leverage) ratio | 8.4082% | 5,518 |
| Tier 1 risk-based capital ratio | 11.0211% | 5,514 |
| Total risk-based capital ratio | 12.2722% | 5,411 |
| Memoranda: | ||
| Average total assets | $157,642,400 | 3,462 |
| Average earning assets | $146,860,600 | 3,447 |
| Average equity | $13,184,400 | 4,102 |
| Average total loans | $129,657,800 | 2,892 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8330% | 880 |
| Cost of funding earning assets | 0.2547% | 4,825 |
| Net interest margin | 4.5782% | 565 |
| Noninterest income to average assets | 0.5983% | 2,750 |
| Noninterest expense to average assets | 4.0912% | 603 |
| Loan and lease loss provision to assets | 0.2586% | 647 |
| Net operating income to assets | 0.5012% | 4,782 |
| Return on assets (ROA) | 0.5012% | 4,869 |
| Pretax return on assets | 0.5012% | 5,213 |
| Return on Equity (ROE) | 6.0616% | 4,125 |
| Retained earnings to average equity (ytd only) | 6.0616% | 2,203 |
| Net charge-offs to loans | 0.1374% | 1,757 |
| Credit loss provision to net charge-offs | 231.8182% | 1,200 |
| Earnings coverage of net charge-offs (x) | 6.8105% | 2,999 |
| Efficiency ratio | 84.3380% | 1,138 |
| Assets per employee ($millions) | 3.3251% | 5,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2052% | 3,622 |
| Loan loss allowance to noncurrent loans | 87.7540% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 1.7977% | 1,193 |
| Noncurrent loans to loans | 1.3734% | 1,862 |
| Net loans and leases to total assets | 80.3988% | 762 |
| Net loans and leases to deposits | 88.5836% | 1,827 |
| Net loans and leases to core deposits | 91.0673% | 2,351 |
| Total domestic deposits to total assets | 90.7604% | 320 |
| Equity capital to assets | 8.2527% | 5,849 |
| Core capital (leverage) ratio | 8.2816% | 5,729 |
| Tier 1 risk-based capital ratio | 10.7549% | 5,777 |
| Total risk-based capital ratio | 12.0050% | 5,712 |
| Memoranda: | ||
| Average total assets | $157,766,500 | 3,496 |
| Average earning assets | $146,544,500 | 3,481 |
| Average equity | $13,043,500 | 4,173 |
| Average total loans | $128,095,250 | 2,939 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8398% | 819 |
| Cost of funding earning assets | 0.2520% | 4,916 |
| Net interest margin | 4.5878% | 541 |
| Noninterest income to average assets | 0.5921% | 2,785 |
| Noninterest expense to average assets | 4.1232% | 593 |
| Loan and lease loss provision to assets | 0.2768% | 590 |
| Net operating income to assets | 0.4396% | 5,006 |
| Return on assets (ROA) | 0.4396% | 5,104 |
| Pretax return on assets | 0.4396% | 5,379 |
| Return on Equity (ROE) | 5.3140% | 4,472 |
| Retained earnings to average equity (ytd only) | 5.3140% | 2,660 |
| Net charge-offs to loans | 0.1864% | 1,341 |
| Credit loss provision to net charge-offs | 183.0508% | 1,327 |
| Earnings coverage of net charge-offs (x) | 4.7373% | 3,004 |
| Efficiency ratio | 85.1960% | 1,130 |
| Assets per employee ($millions) | 2.9383% | 5,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1661% | 3,996 |
| Loan loss allowance to noncurrent loans | 107.9433% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 1.5983% | 1,509 |
| Noncurrent loans to loans | 1.0803% | 2,489 |
| Net loans and leases to total assets | 82.8338% | 491 |
| Net loans and leases to deposits | 92.9621% | 1,256 |
| Net loans and leases to core deposits | 95.7406% | 1,824 |
| Total domestic deposits to total assets | 89.1049% | 1,094 |
| Equity capital to assets | 8.3337% | 5,807 |
| Core capital (leverage) ratio | 8.3448% | 5,677 |
| Tier 1 risk-based capital ratio | 10.2499% | 6,019 |
| Total risk-based capital ratio | 11.4336% | 5,975 |
| Memoranda: | ||
| Average total assets | $156,045,670 | 3,544 |
| Average earning assets | $144,470,000 | 3,533 |
| Average equity | $12,909,330 | 4,223 |
| Average total loans | $126,596,670 | 2,970 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8349% | 794 |
| Cost of funding earning assets | 0.2479% | 5,045 |
| Net interest margin | 4.5871% | 516 |
| Noninterest income to average assets | 0.4661% | 3,529 |
| Noninterest expense to average assets | 3.9794% | 711 |
| Loan and lease loss provision to assets | 0.2766% | 556 |
| Net operating income to assets | 0.4276% | 4,960 |
| Return on assets (ROA) | 0.4276% | 5,085 |
| Pretax return on assets | 0.4276% | 5,370 |
| Return on Equity (ROE) | 5.1883% | 4,438 |
| Retained earnings to average equity (ytd only) | 5.1883% | 2,953 |
| Net charge-offs to loans | 0.4076% | 595 |
| Credit loss provision to net charge-offs | 85.0394% | 1,784 |
| Earnings coverage of net charge-offs (x) | 2.1654% | 2,812 |
| Efficiency ratio | 84.9645% | 1,274 |
| Assets per employee ($millions) | 3.0018% | 5,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 4,423 |
| Loan loss allowance to noncurrent loans | 96.6300% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 2.0063% | 1,180 |
| Noncurrent loans to loans | 1.1580% | 2,451 |
| Net loans and leases to total assets | 78.0403% | 916 |
| Net loans and leases to deposits | 85.7795% | 1,856 |
| Net loans and leases to core deposits | 88.8831% | 2,233 |
| Total domestic deposits to total assets | 90.9778% | 375 |
| Equity capital to assets | 8.2145% | 5,930 |
| Core capital (leverage) ratio | 8.3617% | 5,673 |
| Tier 1 risk-based capital ratio | 9.7919% | 6,218 |
| Total risk-based capital ratio | 10.8499% | 6,227 |
| Memoranda: | ||
| Average total assets | $156,203,500 | 3,560 |
| Average earning assets | $143,621,000 | 3,570 |
| Average equity | $12,875,000 | 4,259 |
| Average total loans | $124,635,500 | 3,003 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2508% | 476 |
| Cost of funding earning assets | 0.2620% | 5,198 |
| Net interest margin | 4.9888% | 311 |
| Noninterest income to average assets | 0.5715% | 3,039 |
| Noninterest expense to average assets | 4.3073% | 541 |
| Loan and lease loss provision to assets | 0.2136% | 1,167 |
| Net operating income to assets | 0.5946% | 4,398 |
| Return on assets (ROA) | 0.6102% | 4,425 |
| Pretax return on assets | 0.6102% | 4,910 |
| Return on Equity (ROE) | 7.6229% | 3,312 |
| Retained earnings to average equity (ytd only) | 7.6229% | 1,151 |
| Net charge-offs to loans | 0.1587% | 2,450 |
| Credit loss provision to net charge-offs | 170.2703% | 1,431 |
| Earnings coverage of net charge-offs (x) | 6.4432% | 3,196 |
| Efficiency ratio | 84.2015% | 1,387 |
| Assets per employee ($millions) | 2.7875% | 5,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 4,277 |
| Loan loss allowance to noncurrent loans | 69.4295% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 2.2542% | 1,076 |
| Noncurrent loans to loans | 1.6579% | 1,763 |
| Net loans and leases to total assets | 79.7614% | 766 |
| Net loans and leases to deposits | 92.5293% | 1,237 |
| Net loans and leases to core deposits | 95.7813% | 1,742 |
| Total domestic deposits to total assets | 86.2013% | 2,724 |
| Equity capital to assets | 8.2714% | 5,914 |
| Core capital (leverage) ratio | 8.5079% | 5,555 |
| Tier 1 risk-based capital ratio | 11.1159% | 5,861 |
| Total risk-based capital ratio | 12.3491% | 5,812 |
| Memoranda: | ||
| Average total assets | $147,494,800 | 3,671 |
| Average earning assets | $134,341,000 | 3,690 |
| Average equity | $11,806,600 | 4,397 |
| Average total loans | $116,555,400 | 3,105 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2757% | 456 |
| Cost of funding earning assets | 0.2657% | 5,250 |
| Net interest margin | 5.0099% | 292 |
| Noninterest income to average assets | 0.5505% | 3,200 |
| Noninterest expense to average assets | 4.3694% | 524 |
| Loan and lease loss provision to assets | 0.2136% | 1,076 |
| Net operating income to assets | 0.5113% | 4,833 |
| Return on assets (ROA) | 0.5323% | 4,822 |
| Pretax return on assets | 0.5323% | 5,227 |
| Return on Equity (ROE) | 6.7079% | 3,847 |
| Retained earnings to average equity (ytd only) | 6.7079% | 1,977 |
| Net charge-offs to loans | 0.1534% | 2,262 |
| Credit loss provision to net charge-offs | 177.2727% | 1,405 |
| Earnings coverage of net charge-offs (x) | 6.0150% | 3,152 |
| Efficiency ratio | 85.7706% | 1,202 |
| Assets per employee ($millions) | 2.7008% | 6,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 4,396 |
| Loan loss allowance to noncurrent loans | 61.7426% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 2.3088% | 1,179 |
| Noncurrent loans to loans | 1.8911% | 1,686 |
| Net loans and leases to total assets | 78.1245% | 945 |
| Net loans and leases to deposits | 85.9928% | 1,903 |
| Net loans and leases to core deposits | 88.3942% | 2,380 |
| Total domestic deposits to total assets | 90.8501% | 403 |
| Equity capital to assets | 8.0405% | 6,113 |
| Core capital (leverage) ratio | 8.4618% | 5,694 |
| Tier 1 risk-based capital ratio | 11.1738% | 5,922 |
| Total risk-based capital ratio | 12.4198% | 5,877 |
| Memoranda: | ||
| Average total assets | $146,040,750 | 3,727 |
| Average earning assets | $132,453,500 | 3,741 |
| Average equity | $11,588,000 | 4,464 |
| Average total loans | $114,767,500 | 3,147 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3171% | 424 |
| Cost of funding earning assets | 0.2672% | 5,315 |
| Net interest margin | 5.0499% | 259 |
| Noninterest income to average assets | 0.5419% | 3,192 |
| Noninterest expense to average assets | 4.4129% | 492 |
| Loan and lease loss provision to assets | 0.2162% | 1,089 |
| Net operating income to assets | 0.4962% | 4,827 |
| Return on assets (ROA) | 0.5280% | 4,793 |
| Pretax return on assets | 0.5280% | 5,199 |
| Return on Equity (ROE) | 6.6860% | 3,786 |
| Retained earnings to average equity (ytd only) | 6.6860% | 1,936 |
| Net charge-offs to loans | 0.1467% | 2,212 |
| Credit loss provision to net charge-offs | 187.9518% | 1,227 |
| Earnings coverage of net charge-offs (x) | 6.1928% | 2,809 |
| Efficiency ratio | 86.1006% | 1,262 |
| Assets per employee ($millions) | 2.4899% | 6,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1808% | 4,515 |
| Loan loss allowance to noncurrent loans | 97.5036% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 1.8177% | 1,783 |
| Noncurrent loans to loans | 1.2110% | 2,811 |
| Net loans and leases to total assets | 79.2191% | 774 |
| Net loans and leases to deposits | 87.3794% | 1,669 |
| Net loans and leases to core deposits | 89.8196% | 2,140 |
| Total domestic deposits to total assets | 90.6610% | 521 |
| Equity capital to assets | 8.2165% | 6,015 |
| Core capital (leverage) ratio | 8.4790% | 5,652 |
| Tier 1 risk-based capital ratio | 11.4875% | 5,811 |
| Total risk-based capital ratio | 12.7382% | 5,760 |
| Memoranda: | ||
| Average total assets | $144,305,330 | 3,777 |
| Average earning assets | $130,973,000 | 3,785 |
| Average equity | $11,397,000 | 4,519 |
| Average total loans | $113,171,000 | 3,187 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1628% | 519 |
| Cost of funding earning assets | 0.2700% | 5,386 |
| Net interest margin | 4.8928% | 324 |
| Noninterest income to average assets | 0.3549% | 4,539 |
| Noninterest expense to average assets | 4.2731% | 563 |
| Loan and lease loss provision to assets | 0.2163% | 1,058 |
| Net operating income to assets | 0.2884% | 5,541 |
| Return on assets (ROA) | 0.2884% | 5,583 |
| Pretax return on assets | 0.2884% | 5,743 |
| Return on Equity (ROE) | 3.7268% | 5,161 |
| Retained earnings to average equity (ytd only) | 3.7268% | 3,895 |
| Net charge-offs to loans | 0.2717% | 1,259 |
| Credit loss provision to net charge-offs | 102.6316% | 1,621 |
| Earnings coverage of net charge-offs (x) | 2.3947% | 2,885 |
| Efficiency ratio | 89.4370% | 1,088 |
| Assets per employee ($millions) | 2.5880% | 6,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 4,778 |
| Loan loss allowance to noncurrent loans | 126.4390% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 1.6822% | 2,100 |
| Noncurrent loans to loans | 0.9256% | 3,569 |
| Net loans and leases to total assets | 75.5185% | 1,056 |
| Net loans and leases to deposits | 82.8628% | 1,963 |
| Net loans and leases to core deposits | 85.9999% | 2,319 |
| Total domestic deposits to total assets | 91.1369% | 513 |
| Equity capital to assets | 7.8226% | 6,163 |
| Core capital (leverage) ratio | 8.3468% | 5,802 |
| Tier 1 risk-based capital ratio | 11.6739% | 5,824 |
| Total risk-based capital ratio | 12.9237% | 5,770 |
| Memoranda: | ||
| Average total assets | $144,250,000 | 3,801 |
| Average earning assets | $130,394,500 | 3,826 |
| Average equity | $11,162,500 | 4,574 |
| Average total loans | $111,870,500 | 3,224 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9521% | 1,002 |
| Cost of funding earning assets | 0.3232% | 5,393 |
| Net interest margin | 4.6289% | 574 |
| Noninterest income to average assets | 0.3984% | 4,455 |
| Noninterest expense to average assets | 3.6026% | 1,441 |
| Loan and lease loss provision to assets | 0.3236% | 1,011 |
| Net operating income to assets | 0.8139% | 3,223 |
| Return on assets (ROA) | 0.9579% | 2,591 |
| Pretax return on assets | 0.7796% | 4,226 |
| Return on Equity (ROE) | 12.0054% | 1,417 |
| Retained earnings to average equity (ytd only) | 3.4117% | 3,807 |
| Net charge-offs to loans | 0.4475% | 1,483 |
| Credit loss provision to net charge-offs | 99.1597% | 2,501 |
| Earnings coverage of net charge-offs (x) | 2.9391% | 4,014 |
| Efficiency ratio | 78.9719% | 2,324 |
| Assets per employee ($millions) | 2.6104% | 6,308 |
| Cash dividends to net income (ytd only)* | 71.5820% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 4,932 |
| Loan loss allowance to noncurrent loans | 51.6773% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 2.8097% | 1,159 |
| Noncurrent loans to loans | 2.2159% | 1,755 |
| Net loans and leases to total assets | 77.8031% | 848 |
| Net loans and leases to deposits | 85.3264% | 1,769 |
| Net loans and leases to core deposits | 88.5859% | 2,181 |
| Total domestic deposits to total assets | 91.1829% | 505 |
| Equity capital to assets | 7.6532% | 6,206 |
| Core capital (leverage) ratio | 8.2104% | 5,960 |
| Tier 1 risk-based capital ratio | 11.2913% | 6,029 |
| Total risk-based capital ratio | 12.5154% | 5,982 |
| Memoranda: | ||
| Average total assets | $145,841,000 | 3,770 |
| Average earning assets | $131,176,600 | 3,820 |
| Average equity | $11,636,400 | 4,523 |
| Average total loans | $106,363,600 | 3,317 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9510% | 1,027 |
| Cost of funding earning assets | 0.3339% | 5,441 |
| Net interest margin | 4.6170% | 598 |
| Noninterest income to average assets | 0.5182% | 3,686 |
| Noninterest expense to average assets | 3.3668% | 1,906 |
| Loan and lease loss provision to assets | 0.3424% | 946 |
| Net operating income to assets | 0.9517% | 2,589 |
| Return on assets (ROA) | 1.1429% | 1,912 |
| Pretax return on assets | 1.1429% | 2,933 |
| Return on Equity (ROE) | 14.1822% | 954 |
| Retained earnings to average equity (ytd only) | 14.1822% | 240 |
| Net charge-offs to loans | 0.4903% | 1,310 |
| Credit loss provision to net charge-offs | 97.6623% | 2,448 |
| Earnings coverage of net charge-offs (x) | 3.6909% | 3,633 |
| Efficiency ratio | 72.2352% | 3,361 |
| Assets per employee ($millions) | 2.7533% | 6,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 4,998 |
| Loan loss allowance to noncurrent loans | 51.7463% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 3.0118% | 1,231 |
| Noncurrent loans to loans | 2.2669% | 1,936 |
| Net loans and leases to total assets | 74.4197% | 1,228 |
| Net loans and leases to deposits | 82.1354% | 2,121 |
| Net loans and leases to core deposits | 84.9436% | 2,548 |
| Total domestic deposits to total assets | 90.6061% | 701 |
| Equity capital to assets | 8.1597% | 6,039 |
| Core capital (leverage) ratio | 8.7692% | 5,456 |
| Tier 1 risk-based capital ratio | 12.1413% | 5,688 |
| Total risk-based capital ratio | 13.3645% | 5,644 |
| Memoranda: | ||
| Average total assets | $146,407,750 | 3,806 |
| Average earning assets | $131,365,250 | 3,853 |
| Average equity | $11,798,500 | 4,538 |
| Average total loans | $104,704,750 | 3,371 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9498% | 998 |
| Cost of funding earning assets | 0.3539% | 5,366 |
| Net interest margin | 4.5959% | 604 |
| Noninterest income to average assets | 0.5185% | 3,711 |
| Noninterest expense to average assets | 3.8644% | 1,021 |
| Loan and lease loss provision to assets | 0.2961% | 1,223 |
| Net operating income to assets | 0.4694% | 4,929 |
| Return on assets (ROA) | 0.7560% | 3,683 |
| Pretax return on assets | 0.7560% | 4,486 |
| Return on Equity (ROE) | 9.4199% | 2,448 |
| Retained earnings to average equity (ytd only) | 9.4199% | 991 |
| Net charge-offs to loans | 0.5982% | 1,106 |
| Credit loss provision to net charge-offs | 70.4545% | 2,813 |
| Earnings coverage of net charge-offs (x) | 1.8214% | 3,921 |
| Efficiency ratio | 83.4660% | 1,699 |
| Assets per employee ($millions) | 2.8501% | 6,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 5,124 |
| Loan loss allowance to noncurrent loans | 46.9467% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 2.9335% | 1,390 |
| Noncurrent loans to loans | 2.5022% | 1,849 |
| Net loans and leases to total assets | 69.8583% | 1,911 |
| Net loans and leases to deposits | 77.2298% | 2,688 |
| Net loans and leases to core deposits | 80.0580% | 3,015 |
| Total domestic deposits to total assets | 90.4552% | 780 |
| Equity capital to assets | 7.9260% | 6,251 |
| Core capital (leverage) ratio | 8.2387% | 5,972 |
| Tier 1 risk-based capital ratio | 12.3054% | 5,621 |
| Total risk-based capital ratio | 13.5336% | 5,581 |
| Memoranda: | ||
| Average total assets | $146,568,670 | 3,827 |
| Average earning assets | $131,117,670 | 3,881 |
| Average equity | $11,762,330 | 4,578 |
| Average total loans | $102,977,670 | 3,418 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8706% | 1,152 |
| Cost of funding earning assets | 0.4000% | 5,098 |
| Net interest margin | 4.4706% | 711 |
| Noninterest income to average assets | 0.4838% | 3,893 |
| Noninterest expense to average assets | 3.8838% | 1,015 |
| Loan and lease loss provision to assets | 0.2609% | 1,367 |
| Net operating income to assets | 0.3180% | 5,503 |
| Return on assets (ROA) | 0.8887% | 2,850 |
| Pretax return on assets | 0.8887% | 3,804 |
| Return on Equity (ROE) | 11.0073% | 1,704 |
| Retained earnings to average equity (ytd only) | 11.0073% | 874 |
| Net charge-offs to loans | 0.7838% | 781 |
| Credit loss provision to net charge-offs | 47.5248% | 2,638 |
| Earnings coverage of net charge-offs (x) | 1.0545% | 3,487 |
| Efficiency ratio | 87.0280% | 1,415 |
| Assets per employee ($millions) | 2.7572% | 6,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 5,438 |
| Loan loss allowance to noncurrent loans | 26.7265% | 6,138 |
| Noncurrent assets plus other real estate owned to assets | 4.0539% | 975 |
| Noncurrent loans to loans | 4.2700% | 1,009 |
| Net loans and leases to total assets | 70.6606% | 1,555 |
| Net loans and leases to deposits | 78.1877% | 2,312 |
| Net loans and leases to core deposits | 80.4941% | 2,745 |
| Total domestic deposits to total assets | 90.3730% | 834 |
| Equity capital to assets | 8.0941% | 6,332 |
| Core capital (leverage) ratio | 8.0319% | 6,111 |
| Tier 1 risk-based capital ratio | 11.7218% | 6,077 |
| Total risk-based capital ratio | 12.8992% | 6,083 |
| Memoranda: | ||
| Average total assets | $147,174,500 | 3,858 |
| Average earning assets | $130,990,500 | 3,922 |
| Average equity | $11,883,000 | 4,603 |
| Average total loans | $103,091,000 | 3,435 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9277% | 1,756 |
| Cost of funding earning assets | 0.6356% | 4,044 |
| Net interest margin | 4.2921% | 1,418 |
| Noninterest income to average assets | 0.3814% | 4,742 |
| Noninterest expense to average assets | 4.9997% | 377 |
| Loan and lease loss provision to assets | 0.2696% | 2,494 |
| Net operating income to assets | -0.9494% | 6,729 |
| Return on assets (ROA) | -0.7824% | 6,691 |
| Pretax return on assets | -0.7824% | 6,669 |
| Return on Equity (ROE) | -9.2215% | 6,709 |
| Retained earnings to average equity (ytd only) | -9.2215% | 6,614 |
| Net charge-offs to loans | 0.2940% | 3,177 |
| Credit loss provision to net charge-offs | 131.4103% | 2,132 |
| Earnings coverage of net charge-offs (x) | -3.3141% | 5,881 |
| Efficiency ratio | 115.7382% | 252 |
| Assets per employee ($millions) | 2.9644% | 6,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 4,755 |
| Loan loss allowance to noncurrent loans | 27.8840% | 6,144 |
| Noncurrent assets plus other real estate owned to assets | 4.0656% | 1,047 |
| Noncurrent loans to loans | 4.5757% | 923 |
| Net loans and leases to total assets | 67.7617% | 2,223 |
| Net loans and leases to deposits | 74.9873% | 2,968 |
| Net loans and leases to core deposits | 77.5895% | 3,317 |
| Total domestic deposits to total assets | 90.3642% | 767 |
| Equity capital to assets | 8.0544% | 6,378 |
| Core capital (leverage) ratio | 7.6080% | 6,443 |
| Tier 1 risk-based capital ratio | 11.4885% | 6,114 |
| Total risk-based capital ratio | 12.7398% | 6,077 |
| Memoranda: | ||
| Average total assets | $152,089,600 | 3,737 |
| Average earning assets | $139,558,400 | 3,732 |
| Average equity | $12,904,600 | 4,379 |
| Average total loans | $106,104,800 | 3,373 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8786% | 2,090 |
| Cost of funding earning assets | 0.6645% | 4,069 |
| Net interest margin | 4.2141% | 1,695 |
| Noninterest income to average assets | 0.4103% | 4,552 |
| Noninterest expense to average assets | 4.9366% | 377 |
| Loan and lease loss provision to assets | 0.3572% | 1,823 |
| Net operating income to assets | -0.9669% | 6,851 |
| Return on assets (ROA) | -0.7457% | 6,820 |
| Pretax return on assets | -0.7457% | 6,793 |
| Return on Equity (ROE) | -8.6816% | 6,832 |
| Retained earnings to average equity (ytd only) | -8.6816% | 6,774 |
| Net charge-offs to loans | 0.3706% | 2,616 |
| Credit loss provision to net charge-offs | 137.5839% | 2,092 |
| Earnings coverage of net charge-offs (x) | -2.3490% | 5,661 |
| Efficiency ratio | 114.0930% | 244 |
| Assets per employee ($millions) | 2.8109% | 6,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 5,023 |
| Loan loss allowance to noncurrent loans | 36.5663% | 5,825 |
| Noncurrent assets plus other real estate owned to assets | 3.4226% | 1,472 |
| Noncurrent loans to loans | 3.4306% | 1,591 |
| Net loans and leases to total assets | 68.0407% | 2,286 |
| Net loans and leases to deposits | 75.1565% | 3,121 |
| Net loans and leases to core deposits | 78.0545% | 3,452 |
| Total domestic deposits to total assets | 90.5321% | 587 |
| Equity capital to assets | 8.1713% | 6,502 |
| Core capital (leverage) ratio | 7.7247% | 6,512 |
| Tier 1 risk-based capital ratio | 11.3948% | 6,298 |
| Total risk-based capital ratio | 12.6451% | 6,254 |
| Memoranda: | ||
| Average total assets | $153,057,500 | 3,771 |
| Average earning assets | $142,249,250 | 3,732 |
| Average equity | $13,146,250 | 4,369 |
| Average total loans | $107,197,750 | 3,388 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9145% | 2,046 |
| Cost of funding earning assets | 0.6953% | 4,054 |
| Net interest margin | 4.2192% | 1,700 |
| Noninterest income to average assets | 0.3597% | 4,963 |
| Noninterest expense to average assets | 3.9054% | 1,070 |
| Loan and lease loss provision to assets | 0.3792% | 1,728 |
| Net operating income to assets | 0.0052% | 6,314 |
| Return on assets (ROA) | 0.3362% | 5,696 |
| Pretax return on assets | 0.3362% | 5,870 |
| Return on Equity (ROE) | 3.8525% | 5,336 |
| Retained earnings to average equity (ytd only) | 3.8525% | 4,050 |
| Net charge-offs to loans | 0.1462% | 3,746 |
| Credit loss provision to net charge-offs | 368.3544% | 804 |
| Earnings coverage of net charge-offs (x) | 3.7342% | 3,292 |
| Efficiency ratio | 91.0389% | 990 |
| Assets per employee ($millions) | 2.9087% | 6,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3244% | 4,773 |
| Loan loss allowance to noncurrent loans | 29.1194% | 6,189 |
| Noncurrent assets plus other real estate owned to assets | 4.0898% | 1,231 |
| Noncurrent loans to loans | 4.5483% | 1,156 |
| Net loans and leases to total assets | 68.2395% | 2,253 |
| Net loans and leases to deposits | 75.2708% | 3,089 |
| Net loans and leases to core deposits | 78.7290% | 3,408 |
| Total domestic deposits to total assets | 90.6586% | 586 |
| Equity capital to assets | 8.7401% | 5,981 |
| Core capital (leverage) ratio | 8.3883% | 5,804 |
| Tier 1 risk-based capital ratio | 12.1875% | 5,804 |
| Total risk-based capital ratio | 13.4383% | 5,784 |
| Memoranda: | ||
| Average total assets | $153,481,000 | 3,780 |
| Average earning assets | $142,966,000 | 3,738 |
| Average equity | $13,394,000 | 4,322 |
| Average total loans | $108,067,330 | 3,379 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0219% | 1,813 |
| Cost of funding earning assets | 0.7246% | 4,082 |
| Net interest margin | 4.2973% | 1,474 |
| Noninterest income to average assets | 0.4231% | 4,494 |
| Noninterest expense to average assets | 3.7822% | 1,235 |
| Loan and lease loss provision to assets | 0.5720% | 1,009 |
| Net operating income to assets | 0.0653% | 6,307 |
| Return on assets (ROA) | 0.2142% | 6,088 |
| Pretax return on assets | 0.2142% | 6,172 |
| Return on Equity (ROE) | 2.4562% | 5,920 |
| Retained earnings to average equity (ytd only) | 2.4562% | 5,033 |
| Net charge-offs to loans | 0.1802% | 3,019 |
| Credit loss provision to net charge-offs | 446.9388% | 721 |
| Earnings coverage of net charge-offs (x) | 4.9796% | 2,466 |
| Efficiency ratio | 85.5792% | 1,517 |
| Assets per employee ($millions) | 2.7440% | 6,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2549% | 5,222 |
| Loan loss allowance to noncurrent loans | 29.9650% | 6,178 |
| Noncurrent assets plus other real estate owned to assets | 4.2853% | 1,268 |
| Noncurrent loans to loans | 4.1880% | 1,444 |
| Net loans and leases to total assets | 70.1521% | 1,728 |
| Net loans and leases to deposits | 77.2682% | 2,635 |
| Net loans and leases to core deposits | 81.3812% | 2,909 |
| Total domestic deposits to total assets | 90.7904% | 645 |
| Equity capital to assets | 8.6688% | 5,910 |
| Core capital (leverage) ratio | 8.3286% | 5,828 |
| Tier 1 risk-based capital ratio | 11.6851% | 6,173 |
| Total risk-based capital ratio | 12.9347% | 6,146 |
| Memoranda: | ||
| Average total assets | $153,140,000 | 3,819 |
| Average earning assets | $142,415,500 | 3,777 |
| Average equity | $13,354,000 | 4,340 |
| Average total loans | $108,795,000 | 3,381 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1927% | 2,088 |
| Cost of funding earning assets | 0.9075% | 4,068 |
| Net interest margin | 4.2852% | 1,750 |
| Noninterest income to average assets | 0.4012% | 4,606 |
| Noninterest expense to average assets | 4.0207% | 1,012 |
| Loan and lease loss provision to assets | 0.4375% | 2,407 |
| Net operating income to assets | -0.0662% | 6,126 |
| Return on assets (ROA) | 0.0162% | 6,130 |
| Pretax return on assets | 0.0162% | 6,097 |
| Return on Equity (ROE) | 0.1916% | 6,122 |
| Retained earnings to average equity (ytd only) | 0.1916% | 5,751 |
| Net charge-offs to loans | 0.7185% | 2,359 |
| Credit loss provision to net charge-offs | 86.6324% | 4,176 |
| Earnings coverage of net charge-offs (x) | 0.7352% | 5,257 |
| Efficiency ratio | 91.5460% | 1,074 |
| Assets per employee ($millions) | 2.6774% | 6,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 5,787 |
| Loan loss allowance to noncurrent loans | 22.9973% | 6,511 |
| Noncurrent assets plus other real estate owned to assets | 4.2277% | 1,329 |
| Noncurrent loans to loans | 4.8128% | 1,202 |
| Net loans and leases to total assets | 70.2557% | 1,984 |
| Net loans and leases to deposits | 77.5097% | 2,918 |
| Net loans and leases to core deposits | 81.2771% | 3,291 |
| Total domestic deposits to total assets | 90.6411% | 650 |
| Equity capital to assets | 8.7718% | 5,829 |
| Core capital (leverage) ratio | 8.1269% | 6,104 |
| Tier 1 risk-based capital ratio | 11.6082% | 6,085 |
| Total risk-based capital ratio | 12.7024% | 6,181 |
| Memoranda: | ||
| Average total assets | $154,054,000 | 3,734 |
| Average earning assets | $143,470,600 | 3,685 |
| Average equity | $13,051,000 | 4,334 |
| Average total loans | $108,279,800 | 3,421 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2202% | 2,133 |
| Cost of funding earning assets | 0.9391% | 4,123 |
| Net interest margin | 4.2811% | 1,787 |
| Noninterest income to average assets | 0.3791% | 4,821 |
| Noninterest expense to average assets | 4.0695% | 925 |
| Loan and lease loss provision to assets | 0.5483% | 1,793 |
| Net operating income to assets | -0.2513% | 6,439 |
| Return on assets (ROA) | -0.1407% | 6,404 |
| Pretax return on assets | -0.1407% | 6,365 |
| Return on Equity (ROE) | -1.6760% | 6,448 |
| Retained earnings to average equity (ytd only) | -1.6760% | 6,258 |
| Net charge-offs to loans | 0.8856% | 1,803 |
| Credit loss provision to net charge-offs | 88.3171% | 3,830 |
| Earnings coverage of net charge-offs (x) | 0.4784% | 5,261 |
| Efficiency ratio | 93.1975% | 955 |
| Assets per employee ($millions) | 2.6816% | 6,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 5,773 |
| Loan loss allowance to noncurrent loans | 22.8807% | 6,583 |
| Noncurrent assets plus other real estate owned to assets | 3.9657% | 1,541 |
| Noncurrent loans to loans | 4.9323% | 1,273 |
| Net loans and leases to total assets | 68.7196% | 2,330 |
| Net loans and leases to deposits | 76.1888% | 3,301 |
| Net loans and leases to core deposits | 80.1901% | 3,606 |
| Total domestic deposits to total assets | 90.1964% | 766 |
| Equity capital to assets | 8.5955% | 6,208 |
| Core capital (leverage) ratio | 8.0998% | 6,282 |
| Tier 1 risk-based capital ratio | 11.3271% | 6,341 |
| Total risk-based capital ratio | 12.4288% | 6,430 |
| Memoranda: | ||
| Average total assets | $154,414,000 | 3,750 |
| Average earning assets | $143,822,500 | 3,702 |
| Average equity | $12,967,000 | 4,357 |
| Average total loans | $108,244,750 | 3,458 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2911% | 1,916 |
| Cost of funding earning assets | 0.9926% | 3,994 |
| Net interest margin | 4.2985% | 1,663 |
| Noninterest income to average assets | 0.3648% | 4,957 |
| Noninterest expense to average assets | 4.0509% | 974 |
| Loan and lease loss provision to assets | 0.7933% | 1,163 |
| Net operating income to assets | -0.4817% | 6,672 |
| Return on assets (ROA) | -0.3960% | 6,638 |
| Pretax return on assets | -0.3960% | 6,589 |
| Return on Equity (ROE) | -4.7534% | 6,694 |
| Retained earnings to average equity (ytd only) | -4.7534% | 6,544 |
| Net charge-offs to loans | 1.1746% | 1,331 |
| Credit loss provision to net charge-offs | 96.0692% | 3,275 |
| Earnings coverage of net charge-offs (x) | 0.3774% | 5,024 |
| Efficiency ratio | 92.8571% | 1,046 |
| Assets per employee ($millions) | 2.4845% | 6,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 5,597 |
| Loan loss allowance to noncurrent loans | 22.3289% | 6,638 |
| Noncurrent assets plus other real estate owned to assets | 4.4282% | 1,426 |
| Noncurrent loans to loans | 5.3213% | 1,203 |
| Net loans and leases to total assets | 69.0514% | 2,401 |
| Net loans and leases to deposits | 76.2023% | 3,428 |
| Net loans and leases to core deposits | 79.9285% | 3,797 |
| Total domestic deposits to total assets | 90.6158% | 668 |
| Equity capital to assets | 8.4292% | 6,264 |
| Core capital (leverage) ratio | 8.0308% | 6,263 |
| Tier 1 risk-based capital ratio | 11.3048% | 6,319 |
| Total risk-based capital ratio | 12.4708% | 6,361 |
| Memoranda: | ||
| Average total assets | $154,040,330 | 3,777 |
| Average earning assets | $143,260,670 | 3,738 |
| Average equity | $12,833,000 | 4,380 |
| Average total loans | $108,292,000 | 3,500 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2532% | 2,037 |
| Cost of funding earning assets | 1.0445% | 3,892 |
| Net interest margin | 4.2086% | 1,869 |
| Noninterest income to average assets | 0.2830% | 5,645 |
| Noninterest expense to average assets | 4.0171% | 1,013 |
| Loan and lease loss provision to assets | 0.0260% | 5,639 |
| Net operating income to assets | 0.1740% | 5,872 |
| Return on assets (ROA) | 0.2623% | 5,636 |
| Pretax return on assets | 0.2623% | 5,769 |
| Return on Equity (ROE) | 3.1668% | 5,296 |
| Retained earnings to average equity (ytd only) | 3.1668% | 4,275 |
| Net charge-offs to loans | 0.0552% | 4,382 |
| Credit loss provision to net charge-offs | 66.6667% | 3,413 |
| Earnings coverage of net charge-offs (x) | 5.1333% | 2,328 |
| Efficiency ratio | 95.2586% | 969 |
| Assets per employee ($millions) | 2.5937% | 6,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 5,584 |
| Loan loss allowance to noncurrent loans | 19.4083% | 6,791 |
| Noncurrent assets plus other real estate owned to assets | 5.1473% | 1,220 |
| Noncurrent loans to loans | 6.2332% | 991 |
| Net loans and leases to total assets | 69.3173% | 2,262 |
| Net loans and leases to deposits | 76.4580% | 3,345 |
| Net loans and leases to core deposits | 80.4156% | 3,683 |
| Total domestic deposits to total assets | 90.6607% | 775 |
| Equity capital to assets | 8.3963% | 6,055 |
| Core capital (leverage) ratio | 8.2825% | 5,841 |
| Tier 1 risk-based capital ratio | 11.5813% | 6,037 |
| Total risk-based capital ratio | 12.7560% | 6,078 |
| Memoranda: | ||
| Average total assets | $154,042,500 | 3,812 |
| Average earning assets | $143,989,500 | 3,757 |
| Average equity | $12,757,500 | 4,395 |
| Average total loans | $108,616,500 | 3,522 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4260% | 2,558 |
| Cost of funding earning assets | 1.3181% | 3,765 |
| Net interest margin | 4.1079% | 2,528 |
| Noninterest income to average assets | 0.3097% | 5,586 |
| Noninterest expense to average assets | 4.0312% | 1,118 |
| Loan and lease loss provision to assets | 0.1399% | 5,781 |
| Net operating income to assets | -0.0494% | 5,930 |
| Return on assets (ROA) | 0.3377% | 4,957 |
| Pretax return on assets | 0.3377% | 5,118 |
| Return on Equity (ROE) | 4.0314% | 4,508 |
| Retained earnings to average equity (ytd only) | 4.0314% | 3,038 |
| Net charge-offs to loans | 0.2523% | 4,776 |
| Credit loss provision to net charge-offs | 81.1321% | 5,519 |
| Earnings coverage of net charge-offs (x) | 0.5245% | 5,592 |
| Efficiency ratio | 97.8058% | 880 |
| Assets per employee ($millions) | 2.6280% | 6,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 5,580 |
| Loan loss allowance to noncurrent loans | 29.7581% | 6,306 |
| Noncurrent assets plus other real estate owned to assets | 3.6652% | 1,880 |
| Noncurrent loans to loans | 3.9888% | 1,822 |
| Net loans and leases to total assets | 70.0098% | 2,534 |
| Net loans and leases to deposits | 76.5363% | 3,756 |
| Net loans and leases to core deposits | 80.8035% | 4,095 |
| Total domestic deposits to total assets | 91.4726% | 406 |
| Equity capital to assets | 8.1688% | 6,297 |
| Core capital (leverage) ratio | 8.1252% | 5,957 |
| Tier 1 risk-based capital ratio | 11.1000% | 6,251 |
| Total risk-based capital ratio | 12.2393% | 6,309 |
| Memoranda: | ||
| Average total assets | $153,701,600 | 3,811 |
| Average earning assets | $142,627,000 | 3,767 |
| Average equity | $12,874,000 | 4,383 |
| Average total loans | $105,030,200 | 3,656 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4457% | 2,665 |
| Cost of funding earning assets | 1.3417% | 3,962 |
| Net interest margin | 4.1040% | 2,604 |
| Noninterest income to average assets | 0.3382% | 5,456 |
| Noninterest expense to average assets | 4.0539% | 982 |
| Loan and lease loss provision to assets | 0.1565% | 5,474 |
| Net operating income to assets | -0.0695% | 6,146 |
| Return on assets (ROA) | 0.3069% | 5,315 |
| Pretax return on assets | 0.3069% | 5,488 |
| Return on Equity (ROE) | 3.6411% | 4,940 |
| Retained earnings to average equity (ytd only) | 3.6411% | 3,887 |
| Net charge-offs to loans | 0.3480% | 3,915 |
| Credit loss provision to net charge-offs | 66.4207% | 5,527 |
| Earnings coverage of net charge-offs (x) | 0.3690% | 5,663 |
| Efficiency ratio | 97.9005% | 821 |
| Assets per employee ($millions) | 2.7162% | 6,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 5,540 |
| Loan loss allowance to noncurrent loans | 31.6462% | 6,233 |
| Noncurrent assets plus other real estate owned to assets | 3.4036% | 2,088 |
| Noncurrent loans to loans | 3.7655% | 2,052 |
| Net loans and leases to total assets | 66.4756% | 3,575 |
| Net loans and leases to deposits | 72.9354% | 4,702 |
| Net loans and leases to core deposits | 76.9443% | 4,930 |
| Total domestic deposits to total assets | 91.1431% | 397 |
| Equity capital to assets | 8.4176% | 6,374 |
| Core capital (leverage) ratio | 8.0251% | 6,310 |
| Tier 1 risk-based capital ratio | 11.6552% | 5,779 |
| Total risk-based capital ratio | 12.8291% | 5,842 |
| Memoranda: | ||
| Average total assets | $153,363,500 | 3,868 |
| Average earning assets | $142,102,250 | 3,832 |
| Average equity | $12,926,000 | 4,454 |
| Average total loans | $103,823,500 | 3,738 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5683% | 2,261 |
| Cost of funding earning assets | 1.3703% | 4,057 |
| Net interest margin | 4.1979% | 2,162 |
| Noninterest income to average assets | 0.3961% | 4,939 |
| Noninterest expense to average assets | 4.1231% | 890 |
| Loan and lease loss provision to assets | 0.2369% | 4,543 |
| Net operating income to assets | -0.0855% | 6,207 |
| Return on assets (ROA) | 0.3264% | 5,246 |
| Pretax return on assets | 0.3264% | 5,429 |
| Return on Equity (ROE) | 3.8707% | 4,832 |
| Retained earnings to average equity (ytd only) | 3.8707% | 3,622 |
| Net charge-offs to loans | 0.2735% | 3,971 |
| Credit loss provision to net charge-offs | 127.6596% | 3,151 |
| Earnings coverage of net charge-offs (x) | 0.8156% | 4,956 |
| Efficiency ratio | 96.4594% | 947 |
| Assets per employee ($millions) | 2.6444% | 6,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3447% | 4,707 |
| Loan loss allowance to noncurrent loans | 35.1945% | 6,015 |
| Noncurrent assets plus other real estate owned to assets | 3.5247% | 1,989 |
| Noncurrent loans to loans | 3.8208% | 2,014 |
| Net loans and leases to total assets | 66.6321% | 3,703 |
| Net loans and leases to deposits | 73.2558% | 4,799 |
| Net loans and leases to core deposits | 77.7282% | 4,999 |
| Total domestic deposits to total assets | 90.9581% | 498 |
| Equity capital to assets | 8.6526% | 5,940 |
| Core capital (leverage) ratio | 8.0682% | 6,168 |
| Tier 1 risk-based capital ratio | 11.6105% | 5,666 |
| Total risk-based capital ratio | 12.8608% | 5,625 |
| Memoranda: | ||
| Average total assets | $151,971,670 | 3,918 |
| Average earning assets | $140,402,330 | 3,898 |
| Average equity | $12,814,330 | 4,478 |
| Average total loans | $103,102,000 | 3,801 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5167% | 2,506 |
| Cost of funding earning assets | 1.3720% | 4,343 |
| Net interest margin | 4.1447% | 2,255 |
| Noninterest income to average assets | 0.3861% | 5,032 |
| Noninterest expense to average assets | 4.2996% | 723 |
| Loan and lease loss provision to assets | 0.4760% | 2,599 |
| Net operating income to assets | -0.5632% | 6,871 |
| Return on assets (ROA) | 0.2644% | 5,563 |
| Pretax return on assets | 0.2644% | 5,701 |
| Return on Equity (ROE) | 3.1781% | 5,260 |
| Retained earnings to average equity (ytd only) | 3.1781% | 4,235 |
| Net charge-offs to loans | 0.3267% | 3,105 |
| Credit loss provision to net charge-offs | 214.2857% | 1,738 |
| Earnings coverage of net charge-offs (x) | -0.3929% | 5,243 |
| Efficiency ratio | 102.0716% | 784 |
| Assets per employee ($millions) | 2.5833% | 7,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4224% | 4,308 |
| Loan loss allowance to noncurrent loans | 41.4878% | 5,582 |
| Noncurrent assets plus other real estate owned to assets | 3.3147% | 2,163 |
| Noncurrent loans to loans | 3.4285% | 2,323 |
| Net loans and leases to total assets | 65.9334% | 3,864 |
| Net loans and leases to deposits | 72.1307% | 5,033 |
| Net loans and leases to core deposits | 76.0362% | 5,253 |
| Total domestic deposits to total assets | 91.4082% | 401 |
| Equity capital to assets | 8.2368% | 6,383 |
| Core capital (leverage) ratio | 8.0418% | 6,175 |
| Tier 1 risk-based capital ratio | 11.5952% | 5,581 |
| Total risk-based capital ratio | 12.8470% | 5,552 |
| Memoranda: | ||
| Average total assets | $151,270,000 | 3,992 |
| Average earning assets | $139,649,000 | 3,972 |
| Average equity | $12,586,000 | 4,566 |
| Average total loans | $102,858,000 | 3,863 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0420% | 1,706 |
| Cost of funding earning assets | 2.1281% | 2,334 |
| Net interest margin | 3.9140% | 3,212 |
| Noninterest income to average assets | 0.3689% | 5,450 |
| Noninterest expense to average assets | 4.2639% | 1,025 |
| Loan and lease loss provision to assets | 0.9703% | 2,327 |
| Net operating income to assets | -1.3011% | 6,763 |
| Return on assets (ROA) | -1.3222% | 6,779 |
| Pretax return on assets | -1.3222% | 6,606 |
| Return on Equity (ROE) | -15.7404% | 6,971 |
| Retained earnings to average equity (ytd only) | -15.7404% | 6,923 |
| Net charge-offs to loans | 1.4775% | 1,694 |
| Credit loss provision to net charge-offs | 97.0668% | 5,725 |
| Earnings coverage of net charge-offs (x) | -0.3308% | 6,568 |
| Efficiency ratio | 108.4085% | 834 |
| Assets per employee ($millions) | 2.3830% | 7,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 4,727 |
| Loan loss allowance to noncurrent loans | 34.7002% | 6,114 |
| Noncurrent assets plus other real estate owned to assets | 3.2945% | 2,081 |
| Noncurrent loans to loans | 3.7601% | 1,993 |
| Net loans and leases to total assets | 68.2229% | 3,654 |
| Net loans and leases to deposits | 74.7549% | 4,915 |
| Net loans and leases to core deposits | 99.6788% | 4,038 |
| Total domestic deposits to total assets | 91.2621% | 450 |
| Equity capital to assets | 8.4049% | 6,052 |
| Core capital (leverage) ratio | 7.9603% | 6,247 |
| Tier 1 risk-based capital ratio | 11.3594% | 5,555 |
| Total risk-based capital ratio | 12.6102% | 5,503 |
| Memoranda: | ||
| Average total assets | $146,648,800 | 4,005 |
| Average earning assets | $133,547,600 | 4,020 |
| Average equity | $12,318,600 | 4,674 |
| Average total loans | $99,224,200 | 3,971 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1917% | 1,395 |
| Cost of funding earning assets | 2.2098% | 2,361 |
| Net interest margin | 3.9819% | 2,890 |
| Noninterest income to average assets | 0.3622% | 5,603 |
| Noninterest expense to average assets | 4.2684% | 950 |
| Loan and lease loss provision to assets | 1.1643% | 1,665 |
| Net operating income to assets | -1.4515% | 7,085 |
| Return on assets (ROA) | -1.5256% | 7,126 |
| Pretax return on assets | -1.5256% | 6,980 |
| Return on Equity (ROE) | -18.1639% | 7,312 |
| Retained earnings to average equity (ytd only) | -18.1639% | 7,276 |
| Net charge-offs to loans | 1.6067% | 1,270 |
| Credit loss provision to net charge-offs | 107.6988% | 4,719 |
| Earnings coverage of net charge-offs (x) | -0.2657% | 6,335 |
| Efficiency ratio | 107.2134% | 827 |
| Assets per employee ($millions) | 2.3899% | 7,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 3,643 |
| Loan loss allowance to noncurrent loans | 51.8828% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 2.7684% | 2,506 |
| Noncurrent loans to loans | 2.8137% | 2,695 |
| Net loans and leases to total assets | 67.7877% | 4,001 |
| Net loans and leases to deposits | 74.1392% | 5,347 |
| Net loans and leases to core deposits | 100.7119% | 4,291 |
| Total domestic deposits to total assets | 91.4330% | 274 |
| Equity capital to assets | 8.1378% | 6,705 |
| Core capital (leverage) ratio | 7.7206% | 6,706 |
| Tier 1 risk-based capital ratio | 10.8717% | 6,087 |
| Total risk-based capital ratio | 12.1239% | 6,040 |
| Memoranda: | ||
| Average total assets | $145,779,250 | 4,042 |
| Average earning assets | $132,496,000 | 4,060 |
| Average equity | $12,243,750 | 4,733 |
| Average total loans | $98,086,500 | 4,041 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2692% | 1,284 |
| Cost of funding earning assets | 2.2571% | 2,541 |
| Net interest margin | 4.0120% | 2,652 |
| Noninterest income to average assets | 0.2662% | 6,368 |
| Noninterest expense to average assets | 4.2281% | 1,037 |
| Loan and lease loss provision to assets | 1.2540% | 1,365 |
| Net operating income to assets | -1.6016% | 7,294 |
| Return on assets (ROA) | -1.8940% | 7,391 |
| Pretax return on assets | -1.8940% | 7,246 |
| Return on Equity (ROE) | -22.3149% | 7,569 |
| Retained earnings to average equity (ytd only) | -22.3149% | 7,523 |
| Net charge-offs to loans | 1.7561% | 1,083 |
| Credit loss provision to net charge-offs | 106.9412% | 4,313 |
| Earnings coverage of net charge-offs (x) | -0.2965% | 5,952 |
| Efficiency ratio | 108.9584% | 878 |
| Assets per employee ($millions) | 2.2999% | 7,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4928% | 3,239 |
| Loan loss allowance to noncurrent loans | 45.9306% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 3.0713% | 2,054 |
| Noncurrent loans to loans | 3.2502% | 2,184 |
| Net loans and leases to total assets | 66.3087% | 4,507 |
| Net loans and leases to deposits | 72.3884% | 5,688 |
| Net loans and leases to core deposits | 95.8326% | 4,923 |
| Total domestic deposits to total assets | 91.6013% | 293 |
| Equity capital to assets | 7.9832% | 6,773 |
| Core capital (leverage) ratio | 7.7463% | 6,676 |
| Tier 1 risk-based capital ratio | 11.2182% | 5,670 |
| Total risk-based capital ratio | 12.4681% | 5,586 |
| Memoranda: | ||
| Average total assets | $144,981,330 | 4,084 |
| Average earning assets | $130,607,670 | 4,121 |
| Average equity | $12,305,670 | 4,738 |
| Average total loans | $96,805,000 | 4,099 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1663% | 1,706 |
| Cost of funding earning assets | 2.2784% | 2,801 |
| Net interest margin | 3.8879% | 3,082 |
| Noninterest income to average assets | 0.2813% | 6,180 |
| Noninterest expense to average assets | 4.0875% | 1,080 |
| Loan and lease loss provision to assets | 1.4866% | 847 |
| Net operating income to assets | -1.7817% | 7,595 |
| Return on assets (ROA) | -1.7817% | 7,599 |
| Pretax return on assets | -1.7817% | 7,467 |
| Return on Equity (ROE) | -20.3866% | 7,760 |
| Retained earnings to average equity (ytd only) | -20.3866% | 7,654 |
| Net charge-offs to loans | 2.4305% | 589 |
| Credit loss provision to net charge-offs | 91.9795% | 3,962 |
| Earnings coverage of net charge-offs (x) | -0.1826% | 5,121 |
| Efficiency ratio | 107.7818% | 867 |
| Assets per employee ($millions) | 2.3851% | 7,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 3,519 |
| Loan loss allowance to noncurrent loans | 31.2717% | 6,456 |
| Noncurrent assets plus other real estate owned to assets | 3.7680% | 1,399 |
| Noncurrent loans to loans | 4.4678% | 1,289 |
| Net loans and leases to total assets | 64.4281% | 4,913 |
| Net loans and leases to deposits | 70.5966% | 5,926 |
| Net loans and leases to core deposits | 91.8207% | 5,361 |
| Total domestic deposits to total assets | 91.2624% | 335 |
| Equity capital to assets | 8.3197% | 6,362 |
| Core capital (leverage) ratio | 8.2899% | 5,923 |
| Tier 1 risk-based capital ratio | 12.0057% | 4,963 |
| Total risk-based capital ratio | 13.2570% | 4,844 |
| Memoranda: | ||
| Average total assets | $145,026,000 | 4,092 |
| Average earning assets | $130,969,000 | 4,133 |
| Average equity | $12,675,000 | 4,661 |
| Average total loans | $96,441,500 | 4,129 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1773% | 780 |
| Cost of funding earning assets | 2.4590% | 4,430 |
| Net interest margin | 4.7183% | 935 |
| Noninterest income to average assets | 0.6736% | 3,305 |
| Noninterest expense to average assets | 4.2908% | 1,059 |
| Loan and lease loss provision to assets | 0.7233% | 2,041 |
| Net operating income to assets | -0.1057% | 6,503 |
| Return on assets (ROA) | 0.0595% | 6,065 |
| Pretax return on assets | 0.0595% | 6,028 |
| Return on Equity (ROE) | 0.6535% | 6,020 |
| Retained earnings to average equity (ytd only) | 0.6535% | 4,846 |
| Net charge-offs to loans | 0.6453% | 1,917 |
| Credit loss provision to net charge-offs | 156.0423% | 3,338 |
| Earnings coverage of net charge-offs (x) | 1.3323% | 5,460 |
| Efficiency ratio | 87.4180% | 1,732 |
| Assets per employee ($millions) | 2.3307% | 7,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 2,915 |
| Loan loss allowance to noncurrent loans | 31.5706% | 6,620 |
| Noncurrent assets plus other real estate owned to assets | 3.7166% | 1,161 |
| Noncurrent loans to loans | 4.5970% | 1,031 |
| Net loans and leases to total assets | 66.7218% | 4,701 |
| Net loans and leases to deposits | 73.8873% | 5,859 |
| Net loans and leases to core deposits | 94.4746% | 5,403 |
| Total domestic deposits to total assets | 90.3020% | 549 |
| Equity capital to assets | 9.1768% | 5,115 |
| Core capital (leverage) ratio | 9.0082% | 4,730 |
| Tier 1 risk-based capital ratio | 12.5537% | 4,404 |
| Total risk-based capital ratio | 13.9340% | 4,218 |
| Memoranda: | ||
| Average total assets | $142,818,000 | 4,029 |
| Average earning assets | $128,181,800 | 4,079 |
| Average equity | $13,006,200 | 4,575 |
| Average total loans | $102,583,000 | 3,884 |