Home > Community Pride Bank > Performance and Condition Ratios
Community Pride Bank, Performance and Condition Ratios
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3357% | 2,394 |
| Cost of funding earning assets | 0.4801% | 2,960 |
| Net interest margin | 3.8556% | 2,210 |
| Noninterest income to average assets | 0.2633% | 4,423 |
| Noninterest expense to average assets | 2.7461% | 2,886 |
| Loan and lease loss provision to assets | 0.1026% | 1,812 |
| Net operating income to assets | 0.7216% | 4,022 |
| Return on assets (ROA) | 0.7216% | 4,028 |
| Pretax return on assets | 1.0123% | 3,491 |
| Return on Equity (ROE) | 6.4437% | 4,006 |
| Retained earnings to average equity (ytd only) | 6.4437% | 2,529 |
| Net charge-offs to loans | -0.7118% | 5,519 |
| Credit loss provision to net charge-offs | -20.0000% | 3,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3162% | 2,952 |
| Assets per employee ($millions) | 5.1396% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5525% | 1,278 |
| Loan loss allowance to noncurrent loans | 695.7447% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.1590% | 4,291 |
| Noncurrent loans to loans | 0.2231% | 3,984 |
| Net loans and leases to total assets | 70.1669% | 2,456 |
| Net loans and leases to deposits | 79.7909% | 2,832 |
| Net loans and leases to core deposits | 85.7641% | 2,823 |
| Total domestic deposits to total assets | 87.9385% | 1,651 |
| Equity capital to assets | 11.0480% | 2,537 |
| Core capital (leverage) ratio | 11.1263% | 2,315 |
| Tier 1 risk-based capital ratio | 14.2430% | 3,254 |
| Total risk-based capital ratio | 15.4968% | 3,178 |
| Memoranda: | ||
| Average total assets | $116,964,500 | 3,950 |
| Average earning assets | $109,140,000 | 3,927 |
| Average equity | $13,098,000 | 3,951 |
| Average total loans | $84,288,000 | 3,666 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4589% | 1,849 |
| Cost of funding earning assets | 0.4481% | 2,795 |
| Net interest margin | 4.0108% | 1,716 |
| Noninterest income to average assets | 0.2911% | 4,380 |
| Noninterest expense to average assets | 2.6561% | 3,269 |
| Loan and lease loss provision to assets | 0.1291% | 1,775 |
| Net operating income to assets | 1.2266% | 1,441 |
| Return on assets (ROA) | 1.2266% | 1,459 |
| Pretax return on assets | 1.2266% | 2,657 |
| Return on Equity (ROE) | 10.6729% | 1,602 |
| Retained earnings to average equity (ytd only) | 5.6385% | 1,744 |
| Net charge-offs to loans | 0.0717% | 2,423 |
| Credit loss provision to net charge-offs | 241.6667% | 1,144 |
| Earnings coverage of net charge-offs (x) | 25.3833% | 1,718 |
| Efficiency ratio | 62.3696% | 3,886 |
| Assets per employee ($millions) | 5.2599% | 2,190 |
| Cash dividends to net income (ytd only)* | 47.1698% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3377% | 2,037 |
| Loan loss allowance to noncurrent loans | 596.8254% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.1633% | 4,326 |
| Noncurrent loans to loans | 0.2241% | 4,009 |
| Net loans and leases to total assets | 71.8946% | 2,252 |
| Net loans and leases to deposits | 82.0261% | 2,712 |
| Net loans and leases to core deposits | 89.6160% | 2,603 |
| Total domestic deposits to total assets | 87.6484% | 1,677 |
| Equity capital to assets | 11.3517% | 2,329 |
| Core capital (leverage) ratio | 10.8259% | 2,505 |
| Tier 1 risk-based capital ratio | 14.1517% | 3,280 |
| Total risk-based capital ratio | 15.4014% | 3,183 |
| Memoranda: | ||
| Average total assets | $112,345,400 | 4,021 |
| Average earning assets | $104,218,200 | 4,018 |
| Average equity | $12,911,200 | 3,997 |
| Average total loans | $83,665,600 | 3,665 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4283% | 1,862 |
| Cost of funding earning assets | 0.4298% | 2,887 |
| Net interest margin | 3.9985% | 1,709 |
| Noninterest income to average assets | 0.3013% | 4,372 |
| Noninterest expense to average assets | 2.5530% | 3,556 |
| Loan and lease loss provision to assets | 0.1375% | 1,558 |
| Net operating income to assets | 1.3153% | 1,286 |
| Return on assets (ROA) | 1.3153% | 1,320 |
| Pretax return on assets | 1.3153% | 2,416 |
| Return on Equity (ROE) | 11.4090% | 1,525 |
| Retained earnings to average equity (ytd only) | 8.2975% | 1,096 |
| Net charge-offs to loans | -0.1006% | 5,387 |
| Credit loss provision to net charge-offs | -182.5397% | 4,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8806% | 4,241 |
| Assets per employee ($millions) | 5.3282% | 2,089 |
| Cash dividends to net income (ytd only)* | 27.2727% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4724% | 1,637 |
| Loan loss allowance to noncurrent loans | 573.2394% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.1817% | 4,378 |
| Noncurrent loans to loans | 0.2569% | 4,041 |
| Net loans and leases to total assets | 69.7023% | 2,607 |
| Net loans and leases to deposits | 79.5384% | 3,010 |
| Net loans and leases to core deposits | 90.2299% | 2,590 |
| Total domestic deposits to total assets | 87.6335% | 1,559 |
| Equity capital to assets | 11.4272% | 2,440 |
| Core capital (leverage) ratio | 11.0216% | 2,438 |
| Tier 1 risk-based capital ratio | 14.5047% | 3,176 |
| Total risk-based capital ratio | 15.7564% | 3,092 |
| Memoranda: | ||
| Average total assets | $111,502,250 | 4,076 |
| Average earning assets | $103,301,500 | 4,081 |
| Average equity | $12,855,000 | 4,042 |
| Average total loans | $83,501,250 | 3,693 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4691% | 1,603 |
| Cost of funding earning assets | 0.4018% | 3,056 |
| Net interest margin | 4.0673% | 1,410 |
| Noninterest income to average assets | 0.3157% | 4,283 |
| Noninterest expense to average assets | 2.5165% | 3,699 |
| Loan and lease loss provision to assets | 0.1642% | 1,215 |
| Net operating income to assets | 1.4033% | 1,063 |
| Return on assets (ROA) | 1.4033% | 1,087 |
| Pretax return on assets | 1.4033% | 2,010 |
| Return on Equity (ROE) | 12.1341% | 1,260 |
| Retained earnings to average equity (ytd only) | 7.4004% | 1,396 |
| Net charge-offs to loans | -0.0717% | 5,308 |
| Credit loss provision to net charge-offs | -300.0000% | 4,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7748% | 4,624 |
| Assets per employee ($millions) | 5.0103% | 2,376 |
| Cash dividends to net income (ytd only)* | 39.0117% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3850% | 2,013 |
| Loan loss allowance to noncurrent loans | 3,322.8571% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 5,140 |
| Noncurrent loans to loans | 0.0417% | 4,990 |
| Net loans and leases to total assets | 75.1232% | 1,677 |
| Net loans and leases to deposits | 86.1692% | 2,197 |
| Net loans and leases to core deposits | 96.9342% | 1,895 |
| Total domestic deposits to total assets | 87.1810% | 1,862 |
| Equity capital to assets | 11.8492% | 2,041 |
| Core capital (leverage) ratio | 11.1692% | 2,256 |
| Tier 1 risk-based capital ratio | 14.3295% | 3,251 |
| Total risk-based capital ratio | 15.5813% | 3,176 |
| Memoranda: | ||
| Average total assets | $109,596,330 | 4,136 |
| Average earning assets | $101,542,330 | 4,139 |
| Average equity | $12,675,000 | 4,082 |
| Average total loans | $83,693,000 | 3,699 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3692% | 1,754 |
| Cost of funding earning assets | 0.3638% | 3,376 |
| Net interest margin | 4.0054% | 1,461 |
| Noninterest income to average assets | 0.3111% | 4,326 |
| Noninterest expense to average assets | 2.4890% | 3,840 |
| Loan and lease loss provision to assets | 0.1647% | 1,092 |
| Net operating income to assets | 1.3653% | 1,075 |
| Return on assets (ROA) | 1.3653% | 1,113 |
| Pretax return on assets | 1.3653% | 2,010 |
| Return on Equity (ROE) | 11.9532% | 1,254 |
| Retained earnings to average equity (ytd only) | 2.3394% | 4,206 |
| Net charge-offs to loans | -0.0622% | 5,281 |
| Credit loss provision to net charge-offs | -346.1538% | 4,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0146% | 4,711 |
| Assets per employee ($millions) | 5.1385% | 2,258 |
| Cash dividends to net income (ytd only)* | 80.4290% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 2,453 |
| Loan loss allowance to noncurrent loans | 3,058.3333% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 5,176 |
| Noncurrent loans to loans | 0.0431% | 5,024 |
| Net loans and leases to total assets | 76.4485% | 1,333 |
| Net loans and leases to deposits | 87.5194% | 1,859 |
| Net loans and leases to core deposits | 99.8838% | 1,510 |
| Total domestic deposits to total assets | 87.3503% | 2,050 |
| Equity capital to assets | 11.6507% | 2,078 |
| Core capital (leverage) ratio | 10.7271% | 2,668 |
| Tier 1 risk-based capital ratio | 14.0288% | 3,460 |
| Total risk-based capital ratio | 15.2794% | 3,380 |
| Memoranda: | ||
| Average total assets | $109,281,000 | 4,181 |
| Average earning assets | $101,163,500 | 4,185 |
| Average equity | $12,482,000 | 4,139 |
| Average total loans | $83,555,000 | 3,728 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4648% | 1,646 |
| Cost of funding earning assets | 0.3093% | 3,965 |
| Net interest margin | 4.1556% | 1,224 |
| Noninterest income to average assets | 0.6182% | 2,561 |
| Noninterest expense to average assets | 2.9046% | 2,656 |
| Loan and lease loss provision to assets | 0.4057% | 380 |
| Net operating income to assets | 1.1369% | 1,739 |
| Return on assets (ROA) | 1.1369% | 1,835 |
| Pretax return on assets | 1.1369% | 2,945 |
| Return on Equity (ROE) | 9.2244% | 2,304 |
| Retained earnings to average equity (ytd only) | -1.1599% | 5,462 |
| Net charge-offs to loans | -0.1779% | 5,720 |
| Credit loss provision to net charge-offs | -300.0000% | 5,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5769% | 4,334 |
| Assets per employee ($millions) | 5.0297% | 2,360 |
| Cash dividends to net income (ytd only)* | 112.5743% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 2,828 |
| Loan loss allowance to noncurrent loans | 2,818.9189% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 5,236 |
| Noncurrent loans to loans | 0.0443% | 5,068 |
| Net loans and leases to total assets | 74.5314% | 1,765 |
| Net loans and leases to deposits | 84.8617% | 2,321 |
| Net loans and leases to core deposits | 93.5417% | 2,154 |
| Total domestic deposits to total assets | 87.8269% | 1,724 |
| Equity capital to assets | 11.1989% | 2,421 |
| Core capital (leverage) ratio | 10.9166% | 2,428 |
| Tier 1 risk-based capital ratio | 14.0260% | 3,451 |
| Total risk-based capital ratio | 15.2761% | 3,361 |
| Memoranda: | ||
| Average total assets | $103,526,000 | 4,295 |
| Average earning assets | $95,390,000 | 4,288 |
| Average equity | $12,759,600 | 4,127 |
| Average total loans | $78,691,400 | 3,835 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5203% | 1,478 |
| Cost of funding earning assets | 0.2977% | 4,123 |
| Net interest margin | 4.2225% | 1,074 |
| Noninterest income to average assets | 0.6408% | 2,472 |
| Noninterest expense to average assets | 2.8502% | 2,825 |
| Loan and lease loss provision to assets | 0.4128% | 345 |
| Net operating income to assets | 1.2620% | 1,411 |
| Return on assets (ROA) | 1.2620% | 1,509 |
| Pretax return on assets | 1.2620% | 2,568 |
| Return on Equity (ROE) | 9.9908% | 2,056 |
| Retained earnings to average equity (ytd only) | -0.3838% | 5,424 |
| Net charge-offs to loans | -0.1893% | 5,745 |
| Credit loss provision to net charge-offs | -286.3636% | 4,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2528% | 4,655 |
| Assets per employee ($millions) | 4.6527% | 2,836 |
| Cash dividends to net income (ytd only)* | 103.8420% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 3,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4037% | 3,811 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 72.4940% | 2,117 |
| Net loans and leases to deposits | 83.4172% | 2,556 |
| Net loans and leases to core deposits | 87.0216% | 2,843 |
| Total domestic deposits to total assets | 86.9053% | 1,930 |
| Equity capital to assets | 12.0705% | 2,065 |
| Core capital (leverage) ratio | 11.4946% | 2,036 |
| Tier 1 risk-based capital ratio | 14.9906% | 3,056 |
| Total risk-based capital ratio | 16.1459% | 3,029 |
| Memoranda: | ||
| Average total assets | $101,744,000 | 4,359 |
| Average earning assets | $93,591,250 | 4,351 |
| Average equity | $12,851,500 | 4,147 |
| Average total loans | $77,485,500 | 3,889 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6301% | 1,205 |
| Cost of funding earning assets | 0.2930% | 4,212 |
| Net interest margin | 4.3371% | 866 |
| Noninterest income to average assets | 0.3320% | 4,405 |
| Noninterest expense to average assets | 2.9104% | 2,641 |
| Loan and lease loss provision to assets | 0.4201% | 352 |
| Net operating income to assets | 0.9981% | 2,406 |
| Return on assets (ROA) | 0.9981% | 2,539 |
| Pretax return on assets | 0.9981% | 3,593 |
| Return on Equity (ROE) | 7.7788% | 3,097 |
| Retained earnings to average equity (ytd only) | 7.7788% | 1,253 |
| Net charge-offs to loans | -0.2515% | 5,851 |
| Credit loss provision to net charge-offs | -216.4948% | 4,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2625% | 4,145 |
| Assets per employee ($millions) | 4.4943% | 3,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0467% | 4,246 |
| Loan loss allowance to noncurrent loans | 705.3571% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.7990% | 2,595 |
| Noncurrent loans to loans | 0.1484% | 4,841 |
| Net loans and leases to total assets | 75.5335% | 1,562 |
| Net loans and leases to deposits | 88.0021% | 1,996 |
| Net loans and leases to core deposits | 92.7624% | 2,280 |
| Total domestic deposits to total assets | 85.8315% | 2,504 |
| Equity capital to assets | 13.0975% | 1,444 |
| Core capital (leverage) ratio | 11.9656% | 1,646 |
| Tier 1 risk-based capital ratio | 15.1061% | 3,031 |
| Total risk-based capital ratio | 16.1187% | 3,069 |
| Memoranda: | ||
| Average total assets | $99,987,670 | 4,426 |
| Average earning assets | $92,135,330 | 4,419 |
| Average equity | $12,829,670 | 4,172 |
| Average total loans | $77,152,000 | 3,920 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6020% | 1,261 |
| Cost of funding earning assets | 0.2758% | 4,436 |
| Net interest margin | 4.3262% | 876 |
| Noninterest income to average assets | 0.3262% | 4,399 |
| Noninterest expense to average assets | 2.8047% | 3,047 |
| Loan and lease loss provision to assets | 0.4177% | 321 |
| Net operating income to assets | 1.0980% | 1,911 |
| Return on assets (ROA) | 1.0980% | 2,006 |
| Pretax return on assets | 1.0980% | 3,100 |
| Return on Equity (ROE) | 8.6456% | 2,580 |
| Retained earnings to average equity (ytd only) | 8.6456% | 1,211 |
| Net charge-offs to loans | -0.0821% | 5,559 |
| Credit loss provision to net charge-offs | -656.2500% | 4,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9576% | 4,609 |
| Assets per employee ($millions) | 5.1092% | 2,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7639% | 5,458 |
| Loan loss allowance to noncurrent loans | 539.2857% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.7731% | 2,762 |
| Noncurrent loans to loans | 0.1416% | 4,915 |
| Net loans and leases to total assets | 76.7916% | 1,279 |
| Net loans and leases to deposits | 90.7879% | 1,487 |
| Net loans and leases to core deposits | 95.9102% | 1,811 |
| Total domestic deposits to total assets | 84.5835% | 3,283 |
| Equity capital to assets | 12.4062% | 1,744 |
| Core capital (leverage) ratio | 11.8184% | 1,733 |
| Tier 1 risk-based capital ratio | 14.1913% | 3,569 |
| Total risk-based capital ratio | 14.9346% | 3,807 |
| Memoranda: | ||
| Average total assets | $100,544,500 | 4,458 |
| Average earning assets | $92,829,500 | 4,449 |
| Average equity | $12,769,500 | 4,198 |
| Average total loans | $77,991,500 | 3,915 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8214% | 3,976 |
| Cost of funding earning assets | 0.2187% | 5,106 |
| Net interest margin | 3.6026% | 3,127 |
| Noninterest income to average assets | 0.2710% | 4,931 |
| Noninterest expense to average assets | 2.3105% | 4,756 |
| Loan and lease loss provision to assets | 0.4722% | 253 |
| Net operating income to assets | 0.8524% | 3,102 |
| Return on assets (ROA) | 0.8524% | 3,174 |
| Pretax return on assets | 0.8524% | 4,012 |
| Return on Equity (ROE) | 6.7655% | 3,641 |
| Retained earnings to average equity (ytd only) | -1.2600% | 5,689 |
| Net charge-offs to loans | -0.0226% | 5,309 |
| Credit loss provision to net charge-offs | -2,918.7500% | 5,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5549% | 4,967 |
| Assets per employee ($millions) | 6.1816% | 1,273 |
| Cash dividends to net income (ytd only)* | 118.6240% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6280% | 5,759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6167% | 3,215 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 77.2734% | 1,215 |
| Net loans and leases to deposits | 88.8770% | 1,765 |
| Net loans and leases to core deposits | 94.2102% | 2,035 |
| Total domestic deposits to total assets | 86.9442% | 2,167 |
| Equity capital to assets | 13.0043% | 1,345 |
| Core capital (leverage) ratio | 12.0226% | 1,605 |
| Tier 1 risk-based capital ratio | 14.3859% | 3,502 |
| Total risk-based capital ratio | 14.9680% | 3,809 |
| Memoranda: | ||
| Average total assets | $98,895,200 | 4,477 |
| Average earning assets | $92,349,200 | 4,464 |
| Average equity | $12,460,200 | 4,225 |
| Average total loans | $70,869,400 | 4,073 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5347% | 4,900 |
| Cost of funding earning assets | 0.2059% | 5,326 |
| Net interest margin | 3.3288% | 4,219 |
| Noninterest income to average assets | 0.2494% | 5,151 |
| Noninterest expense to average assets | 2.0830% | 5,314 |
| Loan and lease loss provision to assets | 0.3505% | 382 |
| Net operating income to assets | 0.9330% | 2,789 |
| Return on assets (ROA) | 0.9330% | 2,885 |
| Pretax return on assets | 0.9330% | 3,877 |
| Return on Equity (ROE) | 7.4649% | 3,361 |
| Retained earnings to average equity (ytd only) | -3.3226% | 5,956 |
| Net charge-offs to loans | -0.1422% | 5,909 |
| Credit loss provision to net charge-offs | -351.3514% | 5,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8294% | 5,139 |
| Assets per employee ($millions) | 5.0103% | 2,285 |
| Cash dividends to net income (ytd only)* | 144.5092% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4436% | 6,058 |
| Loan loss allowance to noncurrent loans | 44.4149% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 0.7505% | 3,025 |
| Noncurrent loans to loans | 0.9989% | 2,488 |
| Net loans and leases to total assets | 74.7979% | 1,585 |
| Net loans and leases to deposits | 88.3076% | 1,857 |
| Net loans and leases to core deposits | 93.6748% | 2,106 |
| Total domestic deposits to total assets | 84.7015% | 3,130 |
| Equity capital to assets | 12.7308% | 1,597 |
| Core capital (leverage) ratio | 11.7813% | 1,833 |
| Tier 1 risk-based capital ratio | 14.4938% | 3,577 |
| Total risk-based capital ratio | 14.9055% | 3,975 |
| Memoranda: | ||
| Average total assets | $98,892,500 | 4,531 |
| Average earning assets | $92,603,750 | 4,507 |
| Average equity | $12,359,750 | 4,290 |
| Average total loans | $69,359,000 | 4,148 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9564% | 5,895 |
| Cost of funding earning assets | 0.1773% | 5,634 |
| Net interest margin | 2.7790% | 5,659 |
| Noninterest income to average assets | 0.2133% | 5,418 |
| Noninterest expense to average assets | 1.7551% | 5,917 |
| Loan and lease loss provision to assets | 0.2742% | 600 |
| Net operating income to assets | 0.7943% | 3,422 |
| Return on assets (ROA) | 0.7943% | 3,512 |
| Pretax return on assets | 0.7943% | 4,337 |
| Return on Equity (ROE) | 6.3955% | 3,933 |
| Retained earnings to average equity (ytd only) | 6.3955% | 2,007 |
| Net charge-offs to loans | -0.1692% | 5,973 |
| Credit loss provision to net charge-offs | -236.8421% | 5,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9856% | 5,222 |
| Assets per employee ($millions) | 5.3012% | 1,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2670% | 6,227 |
| Loan loss allowance to noncurrent loans | 28.6140% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 0.6662% | 3,406 |
| Noncurrent loans to loans | 0.9331% | 2,801 |
| Net loans and leases to total assets | 71.2022% | 2,128 |
| Net loans and leases to deposits | 91.1155% | 1,471 |
| Net loans and leases to core deposits | 97.4561% | 1,694 |
| Total domestic deposits to total assets | 78.1450% | 5,251 |
| Equity capital to assets | 13.3832% | 1,224 |
| Core capital (leverage) ratio | 12.5035% | 1,381 |
| Tier 1 risk-based capital ratio | 16.0093% | 2,855 |
| Total risk-based capital ratio | 16.2566% | 3,286 |
| Memoranda: | ||
| Average total assets | $98,454,670 | 4,579 |
| Average earning assets | $92,477,670 | 4,546 |
| Average equity | $12,227,330 | 4,337 |
| Average total loans | $67,383,330 | 4,233 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4103% | 6,373 |
| Cost of funding earning assets | 0.0917% | 6,233 |
| Net interest margin | 1.3186% | 6,364 |
| Noninterest income to average assets | 0.0986% | 6,092 |
| Noninterest expense to average assets | 0.8549% | 6,382 |
| Loan and lease loss provision to assets | 0.1233% | 1,688 |
| Net operating income to assets | 0.3617% | 5,213 |
| Return on assets (ROA) | 0.3617% | 5,331 |
| Pretax return on assets | 0.3617% | 5,511 |
| Return on Equity (ROE) | 3.0342% | 5,365 |
| Retained earnings to average equity (ytd only) | 3.0342% | 4,164 |
| Net charge-offs to loans | -0.0307% | 5,270 |
| Credit loss provision to net charge-offs | -600.0000% | 4,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2025% | 5,194 |
| Assets per employee ($millions) | 5.2628% | 2,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0521% | 6,352 |
| Loan loss allowance to noncurrent loans | 5.2161% | 5,813 |
| Noncurrent assets plus other real estate owned to assets | 0.6840% | 3,440 |
| Noncurrent loans to loans | 0.9992% | 2,761 |
| Net loans and leases to total assets | 67.1260% | 2,591 |
| Net loans and leases to deposits | 83.6067% | 2,129 |
| Net loans and leases to core deposits | 88.7083% | 2,254 |
| Total domestic deposits to total assets | 80.2878% | 4,997 |
| Equity capital to assets | 13.1428% | 1,333 |
| Core capital (leverage) ratio | 12.2268% | 1,491 |
| Tier 1 risk-based capital ratio | 16.3355% | 2,764 |
| Total risk-based capital ratio | 16.3856% | 3,280 |
| Memoranda: | ||
| Average total assets | $97,320,500 | 4,641 |
| Average earning assets | $91,612,000 | 4,602 |
| Average equity | $11,601,000 | 4,488 |
| Average total loans | $65,120,500 | 4,326 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1460% | 3,143 |
| Cost of funding earning assets | 0.3100% | 4,684 |
| Net interest margin | 3.8359% | 2,487 |
| Noninterest income to average assets | 0.4433% | 3,877 |
| Noninterest expense to average assets | 2.7011% | 3,858 |
| Loan and lease loss provision to assets | -0.0317% | 5,976 |
| Net operating income to assets | 1.4262% | 1,027 |
| Return on assets (ROA) | 1.4262% | 1,056 |
| Pretax return on assets | 1.4262% | 1,796 |
| Return on Equity (ROE) | 14.2630% | 887 |
| Retained earnings to average equity (ytd only) | 14.2630% | 162 |
| Net charge-offs to loans | 0.2539% | 1,683 |
| Credit loss provision to net charge-offs | -19.6078% | 5,349 |
| Earnings coverage of net charge-offs (x) | 8.6144% | 2,852 |
| Efficiency ratio | 65.9520% | 4,260 |
| Assets per employee ($millions) | 4.9814% | 2,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7913% | 1,557 |
| Loan loss allowance to noncurrent loans | 168.1548% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.7237% | 3,400 |
| Noncurrent loans to loans | 1.0652% | 2,691 |
| Net loans and leases to total assets | 65.4580% | 2,984 |
| Net loans and leases to deposits | 74.6362% | 3,360 |
| Net loans and leases to core deposits | 79.2666% | 3,380 |
| Total domestic deposits to total assets | 87.7027% | 1,923 |
| Equity capital to assets | 10.6290% | 3,323 |
| Core capital (leverage) ratio | 10.2959% | 3,178 |
| Tier 1 risk-based capital ratio | 15.1816% | 3,388 |
| Total risk-based capital ratio | 16.4374% | 3,334 |
| Memoranda: | ||
| Average total assets | $94,517,600 | 4,737 |
| Average earning assets | $89,990,800 | 4,654 |
| Average equity | $9,451,000 | 4,875 |
| Average total loans | $60,271,400 | 4,479 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1499% | 3,170 |
| Cost of funding earning assets | 0.3106% | 4,775 |
| Net interest margin | 3.8392% | 2,480 |
| Noninterest income to average assets | 0.4657% | 3,763 |
| Noninterest expense to average assets | 2.5965% | 4,209 |
| Loan and lease loss provision to assets | -0.0423% | 6,160 |
| Net operating income to assets | 1.5565% | 829 |
| Return on assets (ROA) | 1.5565% | 865 |
| Pretax return on assets | 1.5565% | 1,463 |
| Return on Equity (ROE) | 15.8154% | 694 |
| Retained earnings to average equity (ytd only) | 15.8154% | 175 |
| Net charge-offs to loans | 0.0179% | 4,173 |
| Credit loss provision to net charge-offs | -375.0000% | 5,689 |
| Earnings coverage of net charge-offs (x) | 134.0797% | 448 |
| Efficiency ratio | 63.1651% | 4,694 |
| Assets per employee ($millions) | 5.3372% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0565% | 1,156 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 5,367 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 63.2087% | 3,310 |
| Net loans and leases to deposits | 71.6753% | 3,714 |
| Net loans and leases to core deposits | 76.8989% | 3,647 |
| Total domestic deposits to total assets | 88.1877% | 1,666 |
| Equity capital to assets | 10.2062% | 3,926 |
| Core capital (leverage) ratio | 10.1332% | 3,493 |
| Tier 1 risk-based capital ratio | 15.2301% | 3,457 |
| Total risk-based capital ratio | 16.4873% | 3,396 |
| Memoranda: | ||
| Average total assets | $94,485,250 | 4,782 |
| Average earning assets | $89,703,000 | 4,710 |
| Average equity | $9,298,750 | 4,946 |
| Average total loans | $59,568,250 | 4,539 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1304% | 3,228 |
| Cost of funding earning assets | 0.3106% | 4,866 |
| Net interest margin | 3.8198% | 2,484 |
| Noninterest income to average assets | 0.5279% | 3,285 |
| Noninterest expense to average assets | 2.6693% | 3,979 |
| Loan and lease loss provision to assets | -0.5322% | 6,597 |
| Net operating income to assets | 2.0030% | 334 |
| Return on assets (ROA) | 2.0030% | 345 |
| Pretax return on assets | 2.0030% | 550 |
| Return on Equity (ROE) | 20.6134% | 259 |
| Retained earnings to average equity (ytd only) | 20.6134% | 77 |
| Net charge-offs to loans | -0.1396% | 6,241 |
| Credit loss provision to net charge-offs | 609.7561% | 489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4730% | 4,619 |
| Assets per employee ($millions) | 5.1197% | 2,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8339% | 1,744 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 5,442 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 64.1274% | 3,055 |
| Net loans and leases to deposits | 72.9796% | 3,452 |
| Net loans and leases to core deposits | 78.4755% | 3,381 |
| Total domestic deposits to total assets | 87.8703% | 1,985 |
| Equity capital to assets | 10.5063% | 3,436 |
| Core capital (leverage) ratio | 10.3549% | 3,133 |
| Tier 1 risk-based capital ratio | 15.5348% | 3,339 |
| Total risk-based capital ratio | 16.7918% | 3,285 |
| Memoranda: | ||
| Average total assets | $93,957,330 | 4,825 |
| Average earning assets | $88,853,000 | 4,759 |
| Average equity | $9,130,000 | 4,999 |
| Average total loans | $58,758,000 | 4,590 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0728% | 3,387 |
| Cost of funding earning assets | 0.3178% | 4,890 |
| Net interest margin | 3.7550% | 2,657 |
| Noninterest income to average assets | 0.6789% | 2,292 |
| Noninterest expense to average assets | 2.6608% | 4,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5560% | 722 |
| Return on assets (ROA) | 1.5560% | 755 |
| Pretax return on assets | 1.5560% | 1,274 |
| Return on Equity (ROE) | 16.6704% | 569 |
| Retained earnings to average equity (ytd only) | 16.6704% | 234 |
| Net charge-offs to loans | -0.1654% | 6,323 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1000% | 4,988 |
| Assets per employee ($millions) | 5.2146% | 1,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3234% | 991 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2625% | 2,750 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 59.8841% | 3,579 |
| Net loans and leases to deposits | 67.4843% | 3,918 |
| Net loans and leases to core deposits | 72.2992% | 3,844 |
| Total domestic deposits to total assets | 88.7378% | 1,811 |
| Equity capital to assets | 9.6566% | 4,285 |
| Core capital (leverage) ratio | 9.5520% | 4,207 |
| Tier 1 risk-based capital ratio | 14.8222% | 3,800 |
| Total risk-based capital ratio | 16.0843% | 3,750 |
| Memoranda: | ||
| Average total assets | $94,859,000 | 4,845 |
| Average earning assets | $89,374,000 | 4,789 |
| Average equity | $8,854,000 | 5,094 |
| Average total loans | $58,037,000 | 4,654 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1259% | 3,634 |
| Cost of funding earning assets | 0.3481% | 5,159 |
| Net interest margin | 3.7778% | 2,735 |
| Noninterest income to average assets | 0.5600% | 3,332 |
| Noninterest expense to average assets | 2.8834% | 3,422 |
| Loan and lease loss provision to assets | -0.4325% | 6,726 |
| Net operating income to assets | 1.6736% | 611 |
| Return on assets (ROA) | 1.6736% | 624 |
| Pretax return on assets | 1.6758% | 998 |
| Return on Equity (ROE) | 16.4021% | 575 |
| Retained earnings to average equity (ytd only) | 16.4021% | 140 |
| Net charge-offs to loans | 1.2228% | 429 |
| Credit loss provision to net charge-offs | -56.9801% | 5,814 |
| Earnings coverage of net charge-offs (x) | 1.6382% | 4,510 |
| Efficiency ratio | 69.8716% | 3,856 |
| Assets per employee ($millions) | 5.6385% | 1,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2434% | 1,121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4313% | 2,595 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 59.6891% | 3,774 |
| Net loans and leases to deposits | 66.7807% | 4,205 |
| Net loans and leases to core deposits | 71.8926% | 4,086 |
| Total domestic deposits to total assets | 89.3808% | 1,392 |
| Equity capital to assets | 9.0178% | 5,017 |
| Core capital (leverage) ratio | 8.9008% | 5,139 |
| Tier 1 risk-based capital ratio | 14.0203% | 4,280 |
| Total risk-based capital ratio | 15.2811% | 4,215 |
| Memoranda: | ||
| Average total assets | $92,494,600 | 4,918 |
| Average earning assets | $87,326,600 | 4,845 |
| Average equity | $9,437,800 | 4,995 |
| Average total loans | $57,407,000 | 4,702 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1409% | 3,599 |
| Cost of funding earning assets | 0.3547% | 5,254 |
| Net interest margin | 3.7862% | 2,694 |
| Noninterest income to average assets | 0.6313% | 2,982 |
| Noninterest expense to average assets | 2.8323% | 3,550 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3674% | 1,175 |
| Return on assets (ROA) | 1.3674% | 1,226 |
| Pretax return on assets | 1.3703% | 2,040 |
| Return on Equity (ROE) | 13.0061% | 1,230 |
| Retained earnings to average equity (ytd only) | 13.0061% | 333 |
| Net charge-offs to loans | 0.7329% | 813 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,836 |
| Efficiency ratio | 67.3936% | 4,210 |
| Assets per employee ($millions) | 5.7581% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6333% | 299 |
| Loan loss allowance to noncurrent loans | 149.0071% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 2.0840% | 1,923 |
| Noncurrent loans to loans | 2.4383% | 1,788 |
| Net loans and leases to total assets | 56.9283% | 4,182 |
| Net loans and leases to deposits | 64.5388% | 4,459 |
| Net loans and leases to core deposits | 69.9294% | 4,329 |
| Total domestic deposits to total assets | 88.2080% | 1,996 |
| Equity capital to assets | 10.3005% | 3,513 |
| Core capital (leverage) ratio | 10.6466% | 2,841 |
| Tier 1 risk-based capital ratio | 16.8734% | 2,763 |
| Total risk-based capital ratio | 18.1505% | 2,712 |
| Memoranda: | ||
| Average total assets | $91,654,500 | 4,981 |
| Average earning assets | $86,452,250 | 4,915 |
| Average equity | $9,636,250 | 4,990 |
| Average total loans | $57,126,750 | 4,757 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2447% | 3,174 |
| Cost of funding earning assets | 0.3646% | 5,273 |
| Net interest margin | 3.8801% | 2,274 |
| Noninterest income to average assets | 0.6743% | 2,771 |
| Noninterest expense to average assets | 2.9226% | 3,264 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4066% | 1,065 |
| Return on assets (ROA) | 1.4066% | 1,152 |
| Pretax return on assets | 1.4111% | 1,889 |
| Return on Equity (ROE) | 13.2809% | 1,173 |
| Retained earnings to average equity (ytd only) | 13.2809% | 351 |
| Net charge-offs to loans | 1.1671% | 500 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.9036% | 3,888 |
| Efficiency ratio | 67.4395% | 4,276 |
| Assets per employee ($millions) | 4.7852% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6447% | 336 |
| Loan loss allowance to noncurrent loans | 147.0007% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 2.6793% | 1,558 |
| Noncurrent loans to loans | 2.4794% | 1,878 |
| Net loans and leases to total assets | 60.5693% | 3,569 |
| Net loans and leases to deposits | 68.9690% | 3,862 |
| Net loans and leases to core deposits | 74.4477% | 3,740 |
| Total domestic deposits to total assets | 87.8210% | 2,374 |
| Equity capital to assets | 10.6226% | 3,146 |
| Core capital (leverage) ratio | 10.9989% | 2,353 |
| Tier 1 risk-based capital ratio | 16.4865% | 2,945 |
| Total risk-based capital ratio | 17.7639% | 2,890 |
| Memoranda: | ||
| Average total assets | $89,576,670 | 5,067 |
| Average earning assets | $84,482,670 | 4,999 |
| Average equity | $9,487,330 | 5,062 |
| Average total loans | $56,893,330 | 4,786 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2537% | 3,087 |
| Cost of funding earning assets | 0.3962% | 5,141 |
| Net interest margin | 3.8575% | 2,254 |
| Noninterest income to average assets | 0.6074% | 3,094 |
| Noninterest expense to average assets | 2.8570% | 3,514 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3767% | 1,079 |
| Return on assets (ROA) | 1.3767% | 1,168 |
| Pretax return on assets | 1.3857% | 1,905 |
| Return on Equity (ROE) | 13.0185% | 1,164 |
| Retained earnings to average equity (ytd only) | 13.0185% | 559 |
| Net charge-offs to loans | -0.1409% | 6,578 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3383% | 4,437 |
| Assets per employee ($millions) | 4.5863% | 2,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3122% | 224 |
| Loan loss allowance to noncurrent loans | 142.2313% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 3.4209% | 1,258 |
| Noncurrent loans to loans | 3.0318% | 1,655 |
| Net loans and leases to total assets | 62.0071% | 3,062 |
| Net loans and leases to deposits | 70.9243% | 3,335 |
| Net loans and leases to core deposits | 78.2985% | 3,018 |
| Total domestic deposits to total assets | 87.4271% | 2,672 |
| Equity capital to assets | 10.9686% | 2,988 |
| Core capital (leverage) ratio | 10.5392% | 2,721 |
| Tier 1 risk-based capital ratio | 16.1664% | 3,173 |
| Total risk-based capital ratio | 17.4518% | 3,103 |
| Memoranda: | ||
| Average total assets | $88,905,500 | 5,128 |
| Average earning assets | $83,785,500 | 5,049 |
| Average equity | $9,402,000 | 5,132 |
| Average total loans | $56,764,000 | 4,830 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 2,718 |
| Cost of funding earning assets | 0.5354% | 4,949 |
| Net interest margin | 4.1322% | 1,879 |
| Noninterest income to average assets | 0.4036% | 4,577 |
| Noninterest expense to average assets | 3.2643% | 2,442 |
| Loan and lease loss provision to assets | 0.2513% | 2,646 |
| Net operating income to assets | 0.7118% | 3,688 |
| Return on assets (ROA) | 0.7345% | 3,828 |
| Pretax return on assets | 0.7368% | 4,534 |
| Return on Equity (ROE) | 7.2161% | 3,519 |
| Retained earnings to average equity (ytd only) | 7.2161% | 1,460 |
| Net charge-offs to loans | 0.0338% | 5,442 |
| Credit loss provision to net charge-offs | 1,105.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 42.4500% | 762 |
| Efficiency ratio | 77.1774% | 2,568 |
| Assets per employee ($millions) | 4.7722% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2324% | 243 |
| Loan loss allowance to noncurrent loans | 141.0631% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 3.9307% | 1,101 |
| Noncurrent loans to loans | 3.0004% | 1,737 |
| Net loans and leases to total assets | 60.2673% | 3,557 |
| Net loans and leases to deposits | 69.1639% | 3,815 |
| Net loans and leases to core deposits | 75.6992% | 3,573 |
| Total domestic deposits to total assets | 87.1370% | 2,755 |
| Equity capital to assets | 10.1973% | 3,893 |
| Core capital (leverage) ratio | 10.1816% | 3,163 |
| Tier 1 risk-based capital ratio | 15.7848% | 3,273 |
| Total risk-based capital ratio | 17.0717% | 3,213 |
| Memoranda: | ||
| Average total assets | $87,950,600 | 5,142 |
| Average earning assets | $81,433,000 | 5,089 |
| Average equity | $8,952,200 | 5,237 |
| Average total loans | $59,165,600 | 4,744 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7807% | 2,461 |
| Cost of funding earning assets | 0.5573% | 5,024 |
| Net interest margin | 4.2234% | 1,670 |
| Noninterest income to average assets | 0.7471% | 2,499 |
| Noninterest expense to average assets | 3.1808% | 2,629 |
| Loan and lease loss provision to assets | 0.2612% | 2,487 |
| Net operating income to assets | 1.2039% | 1,720 |
| Return on assets (ROA) | 1.2344% | 1,791 |
| Pretax return on assets | 1.2375% | 2,835 |
| Return on Equity (ROE) | 12.1336% | 1,590 |
| Retained earnings to average equity (ytd only) | 12.1336% | 509 |
| Net charge-offs to loans | 0.0938% | 4,440 |
| Credit loss provision to net charge-offs | 407.1429% | 664 |
| Earnings coverage of net charge-offs (x) | 22.8804% | 1,338 |
| Efficiency ratio | 68.4193% | 3,978 |
| Assets per employee ($millions) | 4.9223% | 2,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0323% | 301 |
| Loan loss allowance to noncurrent loans | 373.6842% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 3.5485% | 1,409 |
| Noncurrent loans to loans | 1.0791% | 4,280 |
| Net loans and leases to total assets | 62.9372% | 3,218 |
| Net loans and leases to deposits | 72.6185% | 3,512 |
| Net loans and leases to core deposits | 81.1653% | 3,068 |
| Total domestic deposits to total assets | 86.6683% | 2,869 |
| Equity capital to assets | 10.6489% | 3,673 |
| Core capital (leverage) ratio | 10.5976% | 2,800 |
| Tier 1 risk-based capital ratio | 15.0528% | 3,810 |
| Total risk-based capital ratio | 16.3348% | 3,743 |
| Memoranda: | ||
| Average total assets | $87,270,500 | 5,202 |
| Average earning assets | $80,627,250 | 5,158 |
| Average equity | $8,878,750 | 5,303 |
| Average total loans | $59,692,000 | 4,778 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8526% | 2,294 |
| Cost of funding earning assets | 0.5847% | 5,027 |
| Net interest margin | 4.2679% | 1,557 |
| Noninterest income to average assets | 0.4975% | 3,937 |
| Noninterest expense to average assets | 3.3192% | 2,256 |
| Loan and lease loss provision to assets | 0.3939% | 1,669 |
| Net operating income to assets | 0.7141% | 3,789 |
| Return on assets (ROA) | 0.7141% | 4,057 |
| Pretax return on assets | 0.7187% | 4,773 |
| Return on Equity (ROE) | 7.1319% | 3,714 |
| Retained earnings to average equity (ytd only) | 7.1319% | 2,032 |
| Net charge-offs to loans | 0.1428% | 3,777 |
| Credit loss provision to net charge-offs | 397.6744% | 743 |
| Earnings coverage of net charge-offs (x) | 11.2326% | 1,982 |
| Efficiency ratio | 74.8960% | 2,915 |
| Assets per employee ($millions) | 4.2571% | 3,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0054% | 345 |
| Loan loss allowance to noncurrent loans | 454.7573% | 798 |
| Noncurrent assets plus other real estate owned to assets | 4.2189% | 1,188 |
| Noncurrent loans to loans | 0.8808% | 4,729 |
| Net loans and leases to total assets | 65.9248% | 2,682 |
| Net loans and leases to deposits | 75.9701% | 3,001 |
| Net loans and leases to core deposits | 81.6980% | 2,994 |
| Total domestic deposits to total assets | 86.7772% | 2,909 |
| Equity capital to assets | 10.4638% | 3,726 |
| Core capital (leverage) ratio | 10.1212% | 3,246 |
| Tier 1 risk-based capital ratio | 14.0268% | 4,432 |
| Total risk-based capital ratio | 15.3069% | 4,370 |
| Memoranda: | ||
| Average total assets | $86,827,000 | 5,252 |
| Average earning assets | $80,040,000 | 5,203 |
| Average equity | $8,693,330 | 5,357 |
| Average total loans | $60,220,670 | 4,782 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7668% | 2,776 |
| Cost of funding earning assets | 0.6224% | 4,947 |
| Net interest margin | 4.1444% | 1,955 |
| Noninterest income to average assets | 0.4608% | 4,217 |
| Noninterest expense to average assets | 2.9976% | 3,257 |
| Loan and lease loss provision to assets | 0.7802% | 635 |
| Net operating income to assets | 0.5019% | 4,822 |
| Return on assets (ROA) | 0.5019% | 5,033 |
| Pretax return on assets | 0.5110% | 5,396 |
| Return on Equity (ROE) | 5.1249% | 4,729 |
| Retained earnings to average equity (ytd only) | 5.1249% | 3,486 |
| Net charge-offs to loans | 1.6302% | 599 |
| Credit loss provision to net charge-offs | 68.6747% | 2,944 |
| Earnings coverage of net charge-offs (x) | 1.1365% | 3,765 |
| Efficiency ratio | 69.8936% | 3,836 |
| Assets per employee ($millions) | 4.5387% | 2,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5016% | 534 |
| Loan loss allowance to noncurrent loans | 160.3604% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 4.6350% | 1,146 |
| Noncurrent loans to loans | 2.1836% | 2,931 |
| Net loans and leases to total assets | 68.2592% | 2,061 |
| Net loans and leases to deposits | 78.2933% | 2,453 |
| Net loans and leases to core deposits | 84.8197% | 2,432 |
| Total domestic deposits to total assets | 87.1840% | 2,838 |
| Equity capital to assets | 10.0341% | 4,085 |
| Core capital (leverage) ratio | 9.7440% | 3,715 |
| Tier 1 risk-based capital ratio | 13.4252% | 4,881 |
| Total risk-based capital ratio | 14.7007% | 4,854 |
| Memoranda: | ||
| Average total assets | $87,670,000 | 5,276 |
| Average earning assets | $80,976,500 | 5,221 |
| Average equity | $8,585,500 | 5,411 |
| Average total loans | $61,095,500 | 4,766 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1290% | 2,332 |
| Cost of funding earning assets | 0.8441% | 4,513 |
| Net interest margin | 4.2849% | 1,751 |
| Noninterest income to average assets | 0.6323% | 2,994 |
| Noninterest expense to average assets | 3.5045% | 1,968 |
| Loan and lease loss provision to assets | 0.9474% | 1,015 |
| Net operating income to assets | 0.1542% | 5,721 |
| Return on assets (ROA) | 0.1542% | 5,861 |
| Pretax return on assets | 0.1564% | 5,873 |
| Return on Equity (ROE) | 1.6541% | 5,789 |
| Retained earnings to average equity (ytd only) | 1.6541% | 5,029 |
| Net charge-offs to loans | 2.8619% | 359 |
| Credit loss provision to net charge-offs | 44.8059% | 5,539 |
| Earnings coverage of net charge-offs (x) | 0.5220% | 5,433 |
| Efficiency ratio | 76.0472% | 2,883 |
| Assets per employee ($millions) | 4.9502% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6182% | 499 |
| Loan loss allowance to noncurrent loans | 141.6507% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 4.3118% | 1,293 |
| Noncurrent loans to loans | 2.5543% | 2,570 |
| Net loans and leases to total assets | 66.1889% | 2,751 |
| Net loans and leases to deposits | 75.4143% | 3,274 |
| Net loans and leases to core deposits | 83.4269% | 2,965 |
| Total domestic deposits to total assets | 87.7671% | 2,300 |
| Equity capital to assets | 9.5596% | 4,791 |
| Core capital (leverage) ratio | 9.1055% | 4,607 |
| Tier 1 risk-based capital ratio | 13.1330% | 4,964 |
| Total risk-based capital ratio | 14.4093% | 4,930 |
| Memoranda: | ||
| Average total assets | $90,142,200 | 5,179 |
| Average earning assets | $83,642,600 | 5,127 |
| Average equity | $8,403,400 | 5,438 |
| Average total loans | $66,599,000 | 4,607 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2015% | 2,204 |
| Cost of funding earning assets | 0.8685% | 4,648 |
| Net interest margin | 4.3330% | 1,607 |
| Noninterest income to average assets | 0.6062% | 3,132 |
| Noninterest expense to average assets | 3.5043% | 1,924 |
| Loan and lease loss provision to assets | 0.7802% | 1,204 |
| Net operating income to assets | 0.3510% | 5,201 |
| Return on assets (ROA) | 0.3510% | 5,384 |
| Pretax return on assets | 0.3540% | 5,591 |
| Return on Equity (ROE) | 3.7891% | 5,081 |
| Retained earnings to average equity (ytd only) | 3.7891% | 4,038 |
| Net charge-offs to loans | 1.8778% | 696 |
| Credit loss provision to net charge-offs | 55.2769% | 4,920 |
| Earnings coverage of net charge-offs (x) | 0.8036% | 5,011 |
| Efficiency ratio | 75.5485% | 2,910 |
| Assets per employee ($millions) | 4.8718% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3844% | 289 |
| Loan loss allowance to noncurrent loans | 127.6653% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 4.7578% | 1,235 |
| Noncurrent loans to loans | 3.4343% | 1,999 |
| Net loans and leases to total assets | 66.8640% | 2,700 |
| Net loans and leases to deposits | 76.0746% | 3,318 |
| Net loans and leases to core deposits | 87.0040% | 2,637 |
| Total domestic deposits to total assets | 87.8927% | 2,094 |
| Equity capital to assets | 9.3298% | 5,333 |
| Core capital (leverage) ratio | 9.3045% | 4,449 |
| Tier 1 risk-based capital ratio | 12.6667% | 5,351 |
| Total risk-based capital ratio | 13.9530% | 5,305 |
| Memoranda: | ||
| Average total assets | $90,401,750 | 5,213 |
| Average earning assets | $84,127,000 | 5,155 |
| Average equity | $8,374,750 | 5,478 |
| Average total loans | $67,951,000 | 4,601 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2868% | 1,930 |
| Cost of funding earning assets | 0.9016% | 4,654 |
| Net interest margin | 4.3853% | 1,416 |
| Noninterest income to average assets | 0.6021% | 3,124 |
| Noninterest expense to average assets | 3.6686% | 1,586 |
| Loan and lease loss provision to assets | 1.1797% | 670 |
| Net operating income to assets | -0.1806% | 6,451 |
| Return on assets (ROA) | -0.1806% | 6,484 |
| Pretax return on assets | -0.1784% | 6,438 |
| Return on Equity (ROE) | -1.9547% | 6,512 |
| Retained earnings to average equity (ytd only) | -1.9547% | 6,245 |
| Net charge-offs to loans | 2.4194% | 506 |
| Credit loss provision to net charge-offs | 63.3533% | 4,259 |
| Earnings coverage of net charge-offs (x) | 0.5377% | 4,904 |
| Efficiency ratio | 78.5578% | 2,619 |
| Assets per employee ($millions) | 5.1091% | 1,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4448% | 288 |
| Loan loss allowance to noncurrent loans | 133.4536% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 4.8584% | 1,270 |
| Noncurrent loans to loans | 3.3306% | 2,144 |
| Net loans and leases to total assets | 69.1945% | 2,377 |
| Net loans and leases to deposits | 78.4946% | 3,040 |
| Net loans and leases to core deposits | 85.5342% | 2,993 |
| Total domestic deposits to total assets | 88.1519% | 2,038 |
| Equity capital to assets | 9.0231% | 5,550 |
| Core capital (leverage) ratio | 9.2190% | 4,374 |
| Tier 1 risk-based capital ratio | 11.7921% | 5,944 |
| Total risk-based capital ratio | 13.0245% | 5,950 |
| Memoranda: | ||
| Average total assets | $89,681,000 | 5,266 |
| Average earning assets | $83,187,670 | 5,225 |
| Average equity | $8,287,670 | 5,525 |
| Average total loans | $69,024,670 | 4,614 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4479% | 1,435 |
| Cost of funding earning assets | 0.9462% | 4,600 |
| Net interest margin | 4.5017% | 1,070 |
| Noninterest income to average assets | 0.6099% | 3,095 |
| Noninterest expense to average assets | 3.3431% | 2,433 |
| Loan and lease loss provision to assets | 1.5903% | 387 |
| Net operating income to assets | -0.1536% | 6,509 |
| Return on assets (ROA) | -0.1536% | 6,529 |
| Pretax return on assets | -0.1536% | 6,500 |
| Return on Equity (ROE) | -1.6420% | 6,553 |
| Retained earnings to average equity (ytd only) | -1.6420% | 6,095 |
| Net charge-offs to loans | 3.7415% | 260 |
| Credit loss provision to net charge-offs | 53.5769% | 3,676 |
| Earnings coverage of net charge-offs (x) | 0.4840% | 4,259 |
| Efficiency ratio | 69.9433% | 4,286 |
| Assets per employee ($millions) | 4.3254% | 3,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3488% | 331 |
| Loan loss allowance to noncurrent loans | 224.3182% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 4.4216% | 1,473 |
| Noncurrent loans to loans | 1.9387% | 3,651 |
| Net loans and leases to total assets | 75.2832% | 1,139 |
| Net loans and leases to deposits | 86.1774% | 1,703 |
| Net loans and leases to core deposits | 94.6145% | 1,815 |
| Total domestic deposits to total assets | 87.3584% | 2,732 |
| Equity capital to assets | 9.5563% | 4,362 |
| Core capital (leverage) ratio | 9.5718% | 3,699 |
| Tier 1 risk-based capital ratio | 11.8976% | 5,784 |
| Total risk-based capital ratio | 13.1713% | 5,752 |
| Memoranda: | ||
| Average total assets | $88,539,500 | 5,335 |
| Average earning assets | $82,014,000 | 5,298 |
| Average equity | $8,282,500 | 5,529 |
| Average total loans | $70,240,000 | 4,613 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6826% | 1,631 |
| Cost of funding earning assets | 1.2730% | 4,066 |
| Net interest margin | 4.4096% | 1,441 |
| Noninterest income to average assets | -0.4573% | 7,557 |
| Noninterest expense to average assets | 3.0071% | 3,828 |
| Loan and lease loss provision to assets | 3.0114% | 313 |
| Net operating income to assets | -2.3530% | 7,153 |
| Return on assets (ROA) | -2.3530% | 7,161 |
| Pretax return on assets | -2.3509% | 7,128 |
| Return on Equity (ROE) | -23.3813% | 7,098 |
| Retained earnings to average equity (ytd only) | -23.3813% | 7,076 |
| Net charge-offs to loans | 1.2873% | 1,736 |
| Credit loss provision to net charge-offs | 287.3737% | 943 |
| Earnings coverage of net charge-offs (x) | 0.6303% | 5,478 |
| Efficiency ratio | 81.9913% | 2,167 |
| Assets per employee ($millions) | 4.5286% | 2,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5115% | 271 |
| Loan loss allowance to noncurrent loans | 251.2308% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 4.5489% | 1,467 |
| Noncurrent loans to loans | 1.7958% | 3,821 |
| Net loans and leases to total assets | 76.3235% | 1,215 |
| Net loans and leases to deposits | 86.9271% | 1,950 |
| Net loans and leases to core deposits | 100.1884% | 1,598 |
| Total domestic deposits to total assets | 87.8018% | 2,365 |
| Equity capital to assets | 9.1619% | 4,898 |
| Core capital (leverage) ratio | 9.0269% | 4,493 |
| Tier 1 risk-based capital ratio | 11.2077% | 6,176 |
| Total risk-based capital ratio | 12.4968% | 6,122 |
| Memoranda: | ||
| Average total assets | $94,475,200 | 5,144 |
| Average earning assets | $88,374,600 | 5,070 |
| Average equity | $9,507,600 | 5,263 |
| Average total loans | $76,903,600 | 4,422 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6614% | 1,843 |
| Cost of funding earning assets | 1.3397% | 3,977 |
| Net interest margin | 4.3217% | 1,768 |
| Noninterest income to average assets | -0.3213% | 7,637 |
| Noninterest expense to average assets | 3.1275% | 3,201 |
| Loan and lease loss provision to assets | 1.5756% | 829 |
| Net operating income to assets | -0.9764% | 6,891 |
| Return on assets (ROA) | -0.9764% | 6,930 |
| Pretax return on assets | -0.9736% | 6,844 |
| Return on Equity (ROE) | -9.5003% | 6,906 |
| Retained earnings to average equity (ytd only) | -9.5003% | 6,851 |
| Net charge-offs to loans | 1.0730% | 1,890 |
| Credit loss provision to net charge-offs | 179.6178% | 2,042 |
| Earnings coverage of net charge-offs (x) | 0.6863% | 5,363 |
| Efficiency ratio | 83.8577% | 1,851 |
| Assets per employee ($millions) | 4.5569% | 2,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5172% | 1,296 |
| Loan loss allowance to noncurrent loans | 98.7087% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 4.6424% | 1,440 |
| Noncurrent loans to loans | 2.5501% | 3,073 |
| Net loans and leases to total assets | 81.2043% | 596 |
| Net loans and leases to deposits | 94.6612% | 1,132 |
| Net loans and leases to core deposits | 115.2683% | 780 |
| Total domestic deposits to total assets | 85.7842% | 3,197 |
| Equity capital to assets | 10.8275% | 3,141 |
| Core capital (leverage) ratio | 10.7358% | 2,480 |
| Tier 1 risk-based capital ratio | 12.6901% | 4,823 |
| Total risk-based capital ratio | 13.9496% | 4,796 |
| Memoranda: | ||
| Average total assets | $95,451,250 | 5,178 |
| Average earning assets | $89,468,500 | 5,092 |
| Average equity | $9,810,000 | 5,256 |
| Average total loans | $78,031,250 | 4,470 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6122% | 2,091 |
| Cost of funding earning assets | 1.4229% | 3,729 |
| Net interest margin | 4.1893% | 2,185 |
| Noninterest income to average assets | -0.1094% | 7,634 |
| Noninterest expense to average assets | 2.9580% | 3,861 |
| Loan and lease loss provision to assets | 1.6266% | 796 |
| Net operating income to assets | -0.7782% | 6,855 |
| Return on assets (ROA) | -0.7782% | 6,869 |
| Pretax return on assets | -0.7741% | 6,770 |
| Return on Equity (ROE) | -7.7012% | 6,870 |
| Retained earnings to average equity (ytd only) | -7.7012% | 6,787 |
| Net charge-offs to loans | 0.3937% | 3,401 |
| Credit loss provision to net charge-offs | 508.3871% | 726 |
| Earnings coverage of net charge-offs (x) | 2.6645% | 3,665 |
| Efficiency ratio | 77.6273% | 2,787 |
| Assets per employee ($millions) | 4.3639% | 3,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6563% | 1,131 |
| Loan loss allowance to noncurrent loans | 77.8074% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 4.9923% | 1,290 |
| Noncurrent loans to loans | 3.4139% | 2,330 |
| Net loans and leases to total assets | 81.7376% | 569 |
| Net loans and leases to deposits | 96.0038% | 1,049 |
| Net loans and leases to core deposits | 121.0348% | 663 |
| Total domestic deposits to total assets | 85.1400% | 3,552 |
| Equity capital to assets | 10.5781% | 3,307 |
| Core capital (leverage) ratio | 10.2956% | 2,829 |
| Tier 1 risk-based capital ratio | 12.1720% | 5,154 |
| Total risk-based capital ratio | 13.4325% | 5,119 |
| Memoranda: | ||
| Average total assets | $96,889,000 | 5,168 |
| Average earning assets | $90,659,000 | 5,072 |
| Average equity | $9,790,670 | 5,262 |
| Average total loans | $78,735,330 | 4,483 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4715% | 2,726 |
| Cost of funding earning assets | 1.5106% | 3,489 |
| Net interest margin | 3.9610% | 3,047 |
| Noninterest income to average assets | 0.3618% | 5,248 |
| Noninterest expense to average assets | 2.8017% | 4,475 |
| Loan and lease loss provision to assets | 1.2220% | 996 |
| Net operating income to assets | 0.0402% | 6,190 |
| Return on assets (ROA) | 0.0402% | 6,305 |
| Pretax return on assets | 0.0482% | 6,258 |
| Return on Equity (ROE) | 0.4065% | 6,308 |
| Retained earnings to average equity (ytd only) | 0.4065% | 5,676 |
| Net charge-offs to loans | 0.3818% | 2,905 |
| Credit loss provision to net charge-offs | 400.0000% | 1,017 |
| Earnings coverage of net charge-offs (x) | 4.1579% | 2,689 |
| Efficiency ratio | 68.8055% | 4,553 |
| Assets per employee ($millions) | 4.7881% | 2,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0929% | 1,972 |
| Loan loss allowance to noncurrent loans | 66.5179% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 5.2860% | 1,189 |
| Noncurrent loans to loans | 3.1464% | 2,552 |
| Net loans and leases to total assets | 80.0652% | 840 |
| Net loans and leases to deposits | 98.8895% | 831 |
| Net loans and leases to core deposits | 118.8639% | 830 |
| Total domestic deposits to total assets | 80.9643% | 5,473 |
| Equity capital to assets | 10.5376% | 3,211 |
| Core capital (leverage) ratio | 10.2081% | 2,922 |
| Tier 1 risk-based capital ratio | 12.4319% | 4,811 |
| Total risk-based capital ratio | 13.6920% | 4,749 |
| Memoranda: | ||
| Average total assets | $99,512,500 | 5,163 |
| Average earning assets | $93,209,500 | 5,076 |
| Average equity | $9,839,000 | 5,287 |
| Average total loans | $79,628,000 | 4,523 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7616% | 2,813 |
| Cost of funding earning assets | 1.8715% | 3,614 |
| Net interest margin | 3.8900% | 3,310 |
| Noninterest income to average assets | 0.3631% | 5,496 |
| Noninterest expense to average assets | 2.7013% | 5,390 |
| Loan and lease loss provision to assets | 1.8800% | 1,187 |
| Net operating income to assets | -0.5284% | 6,219 |
| Return on assets (ROA) | -0.5284% | 6,206 |
| Pretax return on assets | -0.5264% | 6,031 |
| Return on Equity (ROE) | -6.0550% | 6,309 |
| Retained earnings to average equity (ytd only) | -6.0550% | 6,151 |
| Net charge-offs to loans | 2.1532% | 1,122 |
| Credit loss provision to net charge-offs | 106.2046% | 5,217 |
| Earnings coverage of net charge-offs (x) | 0.7647% | 5,339 |
| Efficiency ratio | 66.6179% | 5,267 |
| Assets per employee ($millions) | 5.1632% | 1,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7432% | 2,737 |
| Loan loss allowance to noncurrent loans | 92.1018% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 3.8455% | 1,733 |
| Noncurrent loans to loans | 1.8926% | 3,813 |
| Net loans and leases to total assets | 77.0208% | 1,578 |
| Net loans and leases to deposits | 91.9521% | 1,902 |
| Net loans and leases to core deposits | 125.8629% | 1,525 |
| Total domestic deposits to total assets | 83.7619% | 4,151 |
| Equity capital to assets | 9.2841% | 4,715 |
| Core capital (leverage) ratio | 9.2155% | 4,091 |
| Tier 1 risk-based capital ratio | 10.9805% | 5,929 |
| Total risk-based capital ratio | 12.2345% | 5,903 |
| Memoranda: | ||
| Average total assets | $101,062,000 | 5,061 |
| Average earning assets | $95,911,400 | 4,950 |
| Average equity | $8,819,200 | 5,662 |
| Average total loans | $83,086,200 | 4,411 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7582% | 3,071 |
| Cost of funding earning assets | 1.9486% | 3,626 |
| Net interest margin | 3.8096% | 3,615 |
| Noninterest income to average assets | 0.3555% | 5,649 |
| Noninterest expense to average assets | 2.7724% | 5,013 |
| Loan and lease loss provision to assets | 1.7245% | 1,075 |
| Net operating income to assets | -0.5134% | 6,441 |
| Return on assets (ROA) | -0.5134% | 6,440 |
| Pretax return on assets | -0.5107% | 6,309 |
| Return on Equity (ROE) | -5.9809% | 6,552 |
| Retained earnings to average equity (ytd only) | -5.9809% | 6,384 |
| Net charge-offs to loans | 1.2516% | 1,633 |
| Credit loss provision to net charge-offs | 165.6051% | 2,843 |
| Earnings coverage of net charge-offs (x) | 1.1656% | 4,898 |
| Efficiency ratio | 69.5507% | 4,684 |
| Assets per employee ($millions) | 5.1609% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2089% | 1,405 |
| Loan loss allowance to noncurrent loans | 48.6726% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 4.9439% | 1,188 |
| Noncurrent loans to loans | 4.5383% | 1,531 |
| Net loans and leases to total assets | 77.8469% | 1,602 |
| Net loans and leases to deposits | 93.1466% | 2,035 |
| Net loans and leases to core deposits | 132.9385% | 1,271 |
| Total domestic deposits to total assets | 83.5746% | 3,918 |
| Equity capital to assets | 8.4772% | 6,277 |
| Core capital (leverage) ratio | 8.3141% | 5,811 |
| Tier 1 risk-based capital ratio | 10.0061% | 6,980 |
| Total risk-based capital ratio | 11.2668% | 6,917 |
| Memoranda: | ||
| Average total assets | $100,511,750 | 5,109 |
| Average earning assets | $95,791,750 | 4,987 |
| Average equity | $8,627,250 | 5,781 |
| Average total loans | $83,621,500 | 4,429 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8045% | 3,020 |
| Cost of funding earning assets | 1.9867% | 3,837 |
| Net interest margin | 3.8178% | 3,471 |
| Noninterest income to average assets | 0.2811% | 6,258 |
| Noninterest expense to average assets | 2.7266% | 5,270 |
| Loan and lease loss provision to assets | 1.6364% | 1,021 |
| Net operating income to assets | -0.4397% | 6,488 |
| Return on assets (ROA) | -0.4397% | 6,496 |
| Pretax return on assets | -0.4357% | 6,361 |
| Return on Equity (ROE) | -5.1011% | 6,619 |
| Retained earnings to average equity (ytd only) | -5.1011% | 6,316 |
| Net charge-offs to loans | 0.0357% | 5,964 |
| Credit loss provision to net charge-offs | 5,433.3333% | 91 |
| Earnings coverage of net charge-offs (x) | 39.8667% | 811 |
| Efficiency ratio | 69.4274% | 4,896 |
| Assets per employee ($millions) | 4.9871% | 2,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5467% | 861 |
| Loan loss allowance to noncurrent loans | 44.7570% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 5.6202% | 886 |
| Noncurrent loans to loans | 5.6900% | 997 |
| Net loans and leases to total assets | 76.7323% | 2,005 |
| Net loans and leases to deposits | 92.2714% | 2,419 |
| Net loans and leases to core deposits | 127.2320% | 1,765 |
| Total domestic deposits to total assets | 83.1594% | 4,164 |
| Equity capital to assets | 8.0350% | 6,714 |
| Core capital (leverage) ratio | 8.1106% | 6,145 |
| Tier 1 risk-based capital ratio | 9.4993% | 7,388 |
| Total risk-based capital ratio | 10.7627% | 7,334 |
| Memoranda: | ||
| Average total assets | $99,609,670 | 5,176 |
| Average earning assets | $95,132,670 | 5,036 |
| Average equity | $8,586,330 | 5,820 |
| Average total loans | $84,106,330 | 4,459 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0178% | 2,288 |
| Cost of funding earning assets | 2.0304% | 3,986 |
| Net interest margin | 3.9875% | 2,693 |
| Noninterest income to average assets | 0.5028% | 4,302 |
| Noninterest expense to average assets | 2.7903% | 4,593 |
| Loan and lease loss provision to assets | 1.4013% | 908 |
| Net operating income to assets | 0.1236% | 5,906 |
| Return on assets (ROA) | 0.1236% | 6,072 |
| Pretax return on assets | 0.1236% | 6,110 |
| Return on Equity (ROE) | 1.3838% | 6,014 |
| Retained earnings to average equity (ytd only) | 1.3838% | 5,081 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6609% | 5,570 |
| Assets per employee ($millions) | 4.5910% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9341% | 1,551 |
| Loan loss allowance to noncurrent loans | 42.4321% | 5,707 |
| Noncurrent assets plus other real estate owned to assets | 5.1022% | 880 |
| Noncurrent loans to loans | 4.5582% | 1,256 |
| Net loans and leases to total assets | 86.2483% | 408 |
| Net loans and leases to deposits | 109.0504% | 664 |
| Net loans and leases to core deposits | 151.9230% | 652 |
| Total domestic deposits to total assets | 79.0903% | 5,686 |
| Equity capital to assets | 8.9928% | 5,355 |
| Core capital (leverage) ratio | 9.2336% | 4,359 |
| Tier 1 risk-based capital ratio | 9.6287% | 7,308 |
| Total risk-based capital ratio | 10.8791% | 7,246 |
| Memoranda: | ||
| Average total assets | $97,050,000 | 5,271 |
| Average earning assets | $92,791,000 | 5,123 |
| Average equity | $8,672,000 | 5,823 |
| Average total loans | $84,929,000 | 4,463 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9538% | 1,252 |
| Cost of funding earning assets | 2.6391% | 3,490 |
| Net interest margin | 4.3147% | 1,930 |
| Noninterest income to average assets | 0.8527% | 2,211 |
| Noninterest expense to average assets | 3.3887% | 2,714 |
| Loan and lease loss provision to assets | 1.4540% | 936 |
| Net operating income to assets | 0.1097% | 6,088 |
| Return on assets (ROA) | 0.1097% | 5,924 |
| Pretax return on assets | 0.1130% | 5,915 |
| Return on Equity (ROE) | 1.2116% | 5,853 |
| Retained earnings to average equity (ytd only) | -2.7867% | 6,052 |
| Net charge-offs to loans | 1.2736% | 938 |
| Credit loss provision to net charge-offs | 128.7658% | 4,141 |
| Earnings coverage of net charge-offs (x) | 1.3878% | 5,434 |
| Efficiency ratio | 68.3791% | 4,658 |
| Assets per employee ($millions) | 4.2474% | 3,037 |
| Cash dividends to net income (ytd only)* | 330.0000% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5282% | 2,551 |
| Loan loss allowance to noncurrent loans | 29.7415% | 6,719 |
| Noncurrent assets plus other real estate owned to assets | 5.3762% | 610 |
| Noncurrent loans to loans | 5.1384% | 835 |
| Net loans and leases to total assets | 85.7467% | 631 |
| Net loans and leases to deposits | 105.9806% | 1,125 |
| Net loans and leases to core deposits | 130.1058% | 1,843 |
| Total domestic deposits to total assets | 80.9080% | 4,681 |
| Equity capital to assets | 8.8791% | 5,530 |
| Core capital (leverage) ratio | 8.6556% | 5,274 |
| Tier 1 risk-based capital ratio | 9.4650% | 7,353 |
| Total risk-based capital ratio | 10.7173% | 7,263 |
| Memoranda: | ||
| Average total assets | $91,126,600 | 5,313 |
| Average earning assets | $86,658,000 | 5,199 |
| Average equity | $8,253,600 | 5,987 |
| Average total loans | $80,792,200 | 4,495 |