Home > First Federal Savings and Loan Association of Wakeeney > Performance and Condition Ratios
First Federal Savings and Loan Association of Wakeeney, Performance and Condition Ratios
| 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 | 2.7126% | 5,642 |
| Cost of funding earning assets | 0.1349% | 5,463 |
| Net interest margin | 2.5777% | 5,487 |
| Noninterest income to average assets | 0.1579% | 5,329 |
| Noninterest expense to average assets | 2.9858% | 2,198 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.3589% | 5,714 |
| Return on assets (ROA) | -0.3589% | 5,711 |
| Pretax return on assets | -0.3589% | 5,701 |
| Return on Equity (ROE) | -2.9300% | 5,706 |
| Retained earnings to average equity (ytd only) | -2.9300% | 5,255 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.6612% | 94 |
| Assets per employee ($millions) | 4.6307% | 2,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5360% | 1,557 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 35.0705% | 5,439 |
| Net loans and leases to deposits | 40.8006% | 5,445 |
| Net loans and leases to core deposits | 40.8006% | 5,497 |
| Total domestic deposits to total assets | 85.9559% | 2,687 |
| Equity capital to assets | 12.2409% | 1,690 |
| Core capital (leverage) ratio | 11.9870% | 1,642 |
| Tier 1 risk-based capital ratio | 35.5017% | 314 |
| Total risk-based capital ratio | 36.7547% | 307 |
| Memoranda: | ||
| Average total assets | $27,865,500 | 5,691 |
| Average earning assets | $26,690,000 | 5,663 |
| Average equity | $3,413,000 | 5,657 |
| Average total loans | $10,089,500 | 5,711 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6564% | 5,706 |
| Cost of funding earning assets | 0.1348% | 5,519 |
| Net interest margin | 2.5216% | 5,574 |
| Noninterest income to average assets | 0.1326% | 5,524 |
| Noninterest expense to average assets | 2.6943% | 3,356 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.1466% | 5,699 |
| Return on assets (ROA) | -0.1640% | 5,717 |
| Pretax return on assets | -0.1640% | 5,709 |
| Return on Equity (ROE) | -1.3606% | 5,720 |
| Retained earnings to average equity (ytd only) | -1.3606% | 5,482 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7534% | 162 |
| Assets per employee ($millions) | 4.6578% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4782% | 1,762 |
| Loan loss allowance to noncurrent loans | 723.8095% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 5,033 |
| Noncurrent loans to loans | 0.2042% | 4,425 |
| Net loans and leases to total assets | 36.2508% | 5,475 |
| Net loans and leases to deposits | 42.1475% | 5,488 |
| Net loans and leases to core deposits | 42.1475% | 5,546 |
| Total domestic deposits to total assets | 86.0092% | 2,581 |
| Equity capital to assets | 12.2553% | 1,655 |
| Core capital (leverage) ratio | 12.3362% | 1,417 |
| Tier 1 risk-based capital ratio | 34.8277% | 322 |
| Total risk-based capital ratio | 36.0781% | 321 |
| Memoranda: | ||
| Average total assets | $28,653,600 | 5,730 |
| Average earning assets | $27,443,000 | 5,703 |
| Average equity | $3,454,400 | 5,706 |
| Average total loans | $10,252,400 | 5,762 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6571% | 5,778 |
| Cost of funding earning assets | 0.1353% | 5,585 |
| Net interest margin | 2.5218% | 5,643 |
| Noninterest income to average assets | 0.1387% | 5,565 |
| Noninterest expense to average assets | 2.6499% | 3,500 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.0971% | 5,760 |
| Return on assets (ROA) | -0.1203% | 5,782 |
| Pretax return on assets | -0.1203% | 5,777 |
| Return on Equity (ROE) | -1.0015% | 5,780 |
| Retained earnings to average equity (ytd only) | -1.0015% | 5,494 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8043% | 180 |
| Assets per employee ($millions) | 4.5822% | 2,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5058% | 1,746 |
| Loan loss allowance to noncurrent loans | 723.8095% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 5,133 |
| Noncurrent loans to loans | 0.2080% | 4,525 |
| Net loans and leases to total assets | 36.1619% | 5,546 |
| Net loans and leases to deposits | 42.1933% | 5,575 |
| Net loans and leases to core deposits | 42.6494% | 5,620 |
| Total domestic deposits to total assets | 85.7055% | 2,505 |
| Equity capital to assets | 12.5305% | 1,759 |
| Core capital (leverage) ratio | 12.1836% | 1,556 |
| Tier 1 risk-based capital ratio | 36.5236% | 304 |
| Total risk-based capital ratio | 37.7742% | 299 |
| Memoranda: | ||
| Average total assets | $28,830,250 | 5,788 |
| Average earning assets | $27,598,000 | 5,759 |
| Average equity | $3,461,750 | 5,768 |
| Average total loans | $10,244,750 | 5,824 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6690% | 5,850 |
| Cost of funding earning assets | 0.1356% | 5,641 |
| Net interest margin | 2.5334% | 5,721 |
| Noninterest income to average assets | 0.1435% | 5,592 |
| Noninterest expense to average assets | 2.5960% | 3,735 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.0273% | 5,780 |
| Return on assets (ROA) | -0.0615% | 5,818 |
| Pretax return on assets | -0.0615% | 5,813 |
| Return on Equity (ROE) | -0.5191% | 5,817 |
| Retained earnings to average equity (ytd only) | -0.5191% | 5,368 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0638% | 227 |
| Assets per employee ($millions) | 4.7863% | 2,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 1,886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 34.9084% | 5,650 |
| Net loans and leases to deposits | 40.4462% | 5,672 |
| Net loans and leases to core deposits | 40.8617% | 5,715 |
| Total domestic deposits to total assets | 86.3082% | 2,265 |
| Equity capital to assets | 12.0586% | 2,089 |
| Core capital (leverage) ratio | 11.8856% | 1,708 |
| Tier 1 risk-based capital ratio | 36.1482% | 304 |
| Total risk-based capital ratio | 37.4008% | 301 |
| Memoranda: | ||
| Average total assets | $29,276,000 | 5,857 |
| Average earning assets | $28,025,330 | 5,821 |
| Average equity | $3,467,330 | 5,835 |
| Average total loans | $10,295,000 | 5,897 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6455% | 5,923 |
| Cost of funding earning assets | 0.1415% | 5,663 |
| Net interest margin | 2.5041% | 5,804 |
| Noninterest income to average assets | 0.1759% | 5,441 |
| Noninterest expense to average assets | 2.5985% | 3,754 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0271% | 5,801 |
| Return on assets (ROA) | -0.0271% | 5,827 |
| Pretax return on assets | -0.0271% | 5,827 |
| Return on Equity (ROE) | -0.2306% | 5,830 |
| Retained earnings to average equity (ytd only) | -0.2306% | 5,150 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0526% | 270 |
| Assets per employee ($millions) | 4.9320% | 2,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4568% | 2,169 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 34.7459% | 5,688 |
| Net loans and leases to deposits | 40.0639% | 5,713 |
| Net loans and leases to core deposits | 40.4612% | 5,760 |
| Total domestic deposits to total assets | 86.7261% | 2,343 |
| Equity capital to assets | 11.7126% | 2,230 |
| Core capital (leverage) ratio | 11.7226% | 1,810 |
| Tier 1 risk-based capital ratio | 34.6238% | 346 |
| Total risk-based capital ratio | 35.8711% | 341 |
| Memoranda: | ||
| Average total assets | $29,555,000 | 5,912 |
| Average earning assets | $28,274,000 | 5,876 |
| Average equity | $3,469,500 | 5,885 |
| Average total loans | $10,354,000 | 5,955 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4637% | 6,006 |
| Cost of funding earning assets | 0.1699% | 5,536 |
| Net interest margin | 2.2938% | 5,948 |
| Noninterest income to average assets | 0.1403% | 5,709 |
| Noninterest expense to average assets | 2.4856% | 4,271 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.1401% | 5,942 |
| Return on assets (ROA) | -0.1337% | 5,954 |
| Pretax return on assets | -0.1370% | 5,941 |
| Return on Equity (ROE) | -1.1724% | 5,946 |
| Retained earnings to average equity (ytd only) | -1.1724% | 5,681 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.1281% | 184 |
| Assets per employee ($millions) | 4.9197% | 2,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 2,106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 34.2909% | 5,765 |
| Net loans and leases to deposits | 39.5313% | 5,788 |
| Net loans and leases to core deposits | 39.9227% | 5,824 |
| Total domestic deposits to total assets | 86.7437% | 2,251 |
| Equity capital to assets | 11.7657% | 2,140 |
| Core capital (leverage) ratio | 11.6012% | 1,891 |
| Tier 1 risk-based capital ratio | 35.7202% | 319 |
| Total risk-based capital ratio | 36.9650% | 313 |
| Memoranda: | ||
| Average total assets | $30,656,400 | 5,946 |
| Average earning assets | $29,427,000 | 5,907 |
| Average equity | $3,497,200 | 5,927 |
| Average total loans | $9,901,600 | 6,014 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4121% | 6,119 |
| Cost of funding earning assets | 0.1749% | 5,592 |
| Net interest margin | 2.2372% | 6,065 |
| Noninterest income to average assets | 0.1422% | 5,773 |
| Noninterest expense to average assets | 2.4734% | 4,279 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.1810% | 6,037 |
| Return on assets (ROA) | -0.1810% | 6,054 |
| Pretax return on assets | -0.1810% | 6,044 |
| Return on Equity (ROE) | -1.5985% | 6,048 |
| Retained earnings to average equity (ytd only) | -1.5985% | 5,815 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.8947% | 167 |
| Assets per employee ($millions) | 5.0575% | 2,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 2,189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 33.0466% | 5,895 |
| Net loans and leases to deposits | 37.9633% | 5,929 |
| Net loans and leases to core deposits | 37.9633% | 5,977 |
| Total domestic deposits to total assets | 87.0489% | 2,015 |
| Equity capital to assets | 11.4747% | 2,529 |
| Core capital (leverage) ratio | 11.2181% | 2,276 |
| Tier 1 risk-based capital ratio | 35.9726% | 327 |
| Total risk-based capital ratio | 37.2267% | 327 |
| Memoranda: | ||
| Average total assets | $30,941,000 | 6,025 |
| Average earning assets | $29,738,500 | 5,982 |
| Average equity | $3,503,250 | 6,006 |
| Average total loans | $9,808,500 | 6,099 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3578% | 6,209 |
| Cost of funding earning assets | 0.1870% | 5,553 |
| Net interest margin | 2.1707% | 6,156 |
| Noninterest income to average assets | 0.1413% | 5,860 |
| Noninterest expense to average assets | 2.4535% | 4,387 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.2248% | 6,112 |
| Return on assets (ROA) | -0.2248% | 6,129 |
| Pretax return on assets | -0.2248% | 6,118 |
| Return on Equity (ROE) | -1.9941% | 6,129 |
| Retained earnings to average equity (ytd only) | -1.9941% | 5,827 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0865% | 171 |
| Assets per employee ($millions) | 4.4513% | 3,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5118% | 2,243 |
| Loan loss allowance to noncurrent loans | 894.1176% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 5,642 |
| Noncurrent loans to loans | 0.1691% | 5,089 |
| Net loans and leases to total assets | 31.7789% | 5,987 |
| Net loans and leases to deposits | 36.3603% | 6,022 |
| Net loans and leases to core deposits | 36.3603% | 6,059 |
| Total domestic deposits to total assets | 87.4001% | 1,966 |
| Equity capital to assets | 11.2070% | 2,665 |
| Core capital (leverage) ratio | 11.0081% | 2,412 |
| Tier 1 risk-based capital ratio | 35.2310% | 356 |
| Total risk-based capital ratio | 36.4870% | 356 |
| Memoranda: | ||
| Average total assets | $31,139,670 | 6,088 |
| Average earning assets | $29,943,670 | 6,044 |
| Average equity | $3,510,330 | 6,063 |
| Average total loans | $9,684,670 | 6,172 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3143% | 6,282 |
| Cost of funding earning assets | 0.2007% | 5,503 |
| Net interest margin | 2.1137% | 6,243 |
| Noninterest income to average assets | 0.1670% | 5,728 |
| Noninterest expense to average assets | 2.5056% | 4,244 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.3084% | 6,190 |
| Return on assets (ROA) | -0.3084% | 6,207 |
| Pretax return on assets | -0.3084% | 6,190 |
| Return on Equity (ROE) | -2.7277% | 6,207 |
| Retained earnings to average equity (ytd only) | -2.7277% | 5,767 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.0351% | 165 |
| Assets per employee ($millions) | 4.5053% | 3,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5970% | 2,064 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 29.6984% | 6,083 |
| Net loans and leases to deposits | 33.9336% | 6,126 |
| Net loans and leases to core deposits | 33.9336% | 6,143 |
| Total domestic deposits to total assets | 87.5194% | 2,095 |
| Equity capital to assets | 11.1203% | 2,842 |
| Core capital (leverage) ratio | 10.9332% | 2,483 |
| Tier 1 risk-based capital ratio | 34.9140% | 362 |
| Total risk-based capital ratio | 36.1945% | 359 |
| Memoranda: | ||
| Average total assets | $31,130,000 | 6,156 |
| Average earning assets | $29,900,500 | 6,107 |
| Average equity | $3,519,500 | 6,124 |
| Average total loans | $9,500,000 | 6,241 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4604% | 6,337 |
| Cost of funding earning assets | 0.2556% | 5,265 |
| Net interest margin | 2.2048% | 6,309 |
| Noninterest income to average assets | 0.1304% | 6,041 |
| Noninterest expense to average assets | 2.5421% | 4,416 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.2858% | 6,232 |
| Return on assets (ROA) | -0.2705% | 6,230 |
| Pretax return on assets | -0.2868% | 6,218 |
| Return on Equity (ROE) | -2.3214% | 6,225 |
| Retained earnings to average equity (ytd only) | -2.3214% | 6,045 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.5371% | 175 |
| Assets per employee ($millions) | 5.1205% | 2,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6030% | 2,080 |
| Loan loss allowance to noncurrent loans | 690.9091% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 5,741 |
| Noncurrent loans to loans | 0.2320% | 4,994 |
| Net loans and leases to total assets | 30.3681% | 6,164 |
| Net loans and leases to deposits | 34.8251% | 6,199 |
| Net loans and leases to core deposits | 34.8251% | 6,226 |
| Total domestic deposits to total assets | 87.2018% | 2,167 |
| Equity capital to assets | 11.4963% | 2,431 |
| Core capital (leverage) ratio | 11.4415% | 2,025 |
| Tier 1 risk-based capital ratio | 34.1134% | 364 |
| Total risk-based capital ratio | 35.3952% | 358 |
| Memoranda: | ||
| Average total assets | $30,682,800 | 6,238 |
| Average earning assets | $29,344,400 | 6,192 |
| Average equity | $3,575,400 | 6,165 |
| Average total loans | $9,701,800 | 6,324 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4886% | 6,412 |
| Cost of funding earning assets | 0.2593% | 5,311 |
| Net interest margin | 2.2292% | 6,373 |
| Noninterest income to average assets | 0.1217% | 6,156 |
| Noninterest expense to average assets | 2.5777% | 4,265 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.3027% | 6,316 |
| Return on assets (ROA) | -0.2825% | 6,301 |
| Pretax return on assets | -0.3043% | 6,294 |
| Return on Equity (ROE) | -2.4165% | 6,300 |
| Retained earnings to average equity (ytd only) | -2.4165% | 6,108 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.4788% | 177 |
| Assets per employee ($millions) | 5.0908% | 2,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6341% | 2,186 |
| Loan loss allowance to noncurrent loans | 1,085.7143% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.0458% | 5,974 |
| Noncurrent loans to loans | 0.1505% | 5,462 |
| Net loans and leases to total assets | 29.9558% | 6,251 |
| Net loans and leases to deposits | 34.4386% | 6,284 |
| Net loans and leases to core deposits | 34.4386% | 6,308 |
| Total domestic deposits to total assets | 86.9831% | 2,330 |
| Equity capital to assets | 11.6222% | 2,380 |
| Core capital (leverage) ratio | 11.5672% | 2,006 |
| Tier 1 risk-based capital ratio | 34.7676% | 360 |
| Total risk-based capital ratio | 36.0477% | 353 |
| Memoranda: | ||
| Average total assets | $30,672,750 | 6,311 |
| Average earning assets | $29,307,000 | 6,270 |
| Average equity | $3,586,250 | 6,234 |
| Average total loans | $9,756,750 | 6,395 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5515% | 6,463 |
| Cost of funding earning assets | 0.2661% | 5,326 |
| Net interest margin | 2.2854% | 6,415 |
| Noninterest income to average assets | 0.1367% | 6,140 |
| Noninterest expense to average assets | 2.6046% | 4,227 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.2865% | 6,365 |
| Return on assets (ROA) | -0.2539% | 6,360 |
| Pretax return on assets | -0.2539% | 6,341 |
| Return on Equity (ROE) | -2.1677% | 6,344 |
| Retained earnings to average equity (ytd only) | -2.1677% | 6,015 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.3596% | 204 |
| Assets per employee ($millions) | 4.3690% | 3,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5590% | 2,630 |
| Loan loss allowance to noncurrent loans | 281.4815% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.1766% | 5,614 |
| Noncurrent loans to loans | 0.5538% | 4,354 |
| Net loans and leases to total assets | 31.3834% | 6,263 |
| Net loans and leases to deposits | 36.0773% | 6,290 |
| Net loans and leases to core deposits | 36.0773% | 6,329 |
| Total domestic deposits to total assets | 86.9895% | 2,460 |
| Equity capital to assets | 11.6928% | 2,248 |
| Core capital (leverage) ratio | 11.6306% | 1,898 |
| Tier 1 risk-based capital ratio | 33.3302% | 402 |
| Total risk-based capital ratio | 34.6139% | 390 |
| Memoranda: | ||
| Average total assets | $30,715,330 | 6,370 |
| Average earning assets | $29,316,330 | 6,329 |
| Average equity | $3,598,330 | 6,285 |
| Average total loans | $9,908,330 | 6,452 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5629% | 6,532 |
| Cost of funding earning assets | 0.2726% | 5,359 |
| Net interest margin | 2.2902% | 6,479 |
| Noninterest income to average assets | 0.1819% | 5,876 |
| Noninterest expense to average assets | 2.6509% | 4,111 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.2859% | 6,391 |
| Return on assets (ROA) | -0.2859% | 6,393 |
| Pretax return on assets | -0.2859% | 6,386 |
| Return on Equity (ROE) | -2.4380% | 6,377 |
| Retained earnings to average equity (ytd only) | -2.4380% | 5,904 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.0879% | 243 |
| Assets per employee ($millions) | 4.4764% | 3,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5389% | 2,976 |
| Loan loss allowance to noncurrent loans | 506.6667% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 5,958 |
| Noncurrent loans to loans | 0.3037% | 5,203 |
| Net loans and leases to total assets | 31.0356% | 6,305 |
| Net loans and leases to deposits | 35.5719% | 6,330 |
| Net loans and leases to core deposits | 35.5719% | 6,372 |
| Total domestic deposits to total assets | 87.2475% | 2,666 |
| Equity capital to assets | 11.4792% | 2,268 |
| Core capital (leverage) ratio | 11.4142% | 2,033 |
| Tier 1 risk-based capital ratio | 33.1940% | 407 |
| Total risk-based capital ratio | 34.4943% | 401 |
| Memoranda: | ||
| Average total assets | $30,781,500 | 6,439 |
| Average earning assets | $29,342,000 | 6,392 |
| Average equity | $3,609,500 | 6,325 |
| Average total loans | $9,987,500 | 6,518 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7334% | 6,527 |
| Cost of funding earning assets | 0.3463% | 5,180 |
| Net interest margin | 2.3871% | 6,461 |
| Noninterest income to average assets | 0.1424% | 6,230 |
| Noninterest expense to average assets | 2.6219% | 4,384 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.2039% | 6,366 |
| Return on assets (ROA) | -0.2039% | 6,378 |
| Pretax return on assets | -0.2039% | 6,356 |
| Return on Equity (ROE) | -1.7257% | 6,366 |
| Retained earnings to average equity (ytd only) | -1.7257% | 6,146 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.4337% | 294 |
| Assets per employee ($millions) | 3.7785% | 4,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 3,152 |
| Loan loss allowance to noncurrent loans | 361.9048% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.1389% | 5,903 |
| Noncurrent loans to loans | 0.4159% | 4,963 |
| Net loans and leases to total assets | 32.9033% | 6,344 |
| Net loans and leases to deposits | 37.8996% | 6,368 |
| Net loans and leases to core deposits | 37.8996% | 6,420 |
| Total domestic deposits to total assets | 86.8169% | 2,822 |
| Equity capital to assets | 11.9823% | 1,817 |
| Core capital (leverage) ratio | 11.9065% | 1,671 |
| Tier 1 risk-based capital ratio | 33.2717% | 388 |
| Total risk-based capital ratio | 34.5762% | 381 |
| Memoranda: | ||
| Average total assets | $30,893,800 | 6,501 |
| Average earning assets | $29,450,200 | 6,458 |
| Average equity | $3,650,600 | 6,401 |
| Average total loans | $10,299,400 | 6,576 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7285% | 6,613 |
| Cost of funding earning assets | 0.3512% | 5,282 |
| Net interest margin | 2.3773% | 6,533 |
| Noninterest income to average assets | 0.1459% | 6,300 |
| Noninterest expense to average assets | 2.6013% | 4,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.1889% | 6,459 |
| Return on assets (ROA) | -0.1889% | 6,482 |
| Pretax return on assets | -0.1889% | 6,468 |
| Return on Equity (ROE) | -1.6040% | 6,462 |
| Retained earnings to average equity (ytd only) | -1.6040% | 6,214 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.8292% | 297 |
| Assets per employee ($millions) | 3.8433% | 4,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4760% | 3,560 |
| Loan loss allowance to noncurrent loans | 475.0000% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 6,126 |
| Noncurrent loans to loans | 0.3107% | 5,449 |
| Net loans and leases to total assets | 32.9994% | 6,409 |
| Net loans and leases to deposits | 37.9943% | 6,449 |
| Net loans and leases to core deposits | 37.9943% | 6,503 |
| Total domestic deposits to total assets | 86.8536% | 2,770 |
| Equity capital to assets | 11.8487% | 2,013 |
| Core capital (leverage) ratio | 11.7683% | 1,842 |
| Tier 1 risk-based capital ratio | 35.2683% | 333 |
| Total risk-based capital ratio | 36.6732% | 320 |
| Memoranda: | ||
| Average total assets | $31,060,250 | 6,570 |
| Average earning assets | $29,612,500 | 6,526 |
| Average equity | $3,657,750 | 6,479 |
| Average total loans | $10,349,750 | 6,647 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7676% | 6,622 |
| Cost of funding earning assets | 0.3636% | 5,286 |
| Net interest margin | 2.4040% | 6,550 |
| Noninterest income to average assets | 0.1669% | 6,217 |
| Noninterest expense to average assets | 2.5927% | 4,416 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.1348% | 6,441 |
| Return on assets (ROA) | -0.1348% | 6,486 |
| Pretax return on assets | -0.1348% | 6,455 |
| Return on Equity (ROE) | -1.1467% | 6,467 |
| Retained earnings to average equity (ytd only) | -1.1467% | 6,071 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.4830% | 356 |
| Assets per employee ($millions) | 3.9219% | 3,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 3,746 |
| Loan loss allowance to noncurrent loans | 292.3077% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.1657% | 6,000 |
| Noncurrent loans to loans | 0.5009% | 5,015 |
| Net loans and leases to total assets | 32.6024% | 6,479 |
| Net loans and leases to deposits | 37.3703% | 6,511 |
| Net loans and leases to core deposits | 37.3703% | 6,560 |
| Total domestic deposits to total assets | 87.2414% | 2,690 |
| Equity capital to assets | 11.5952% | 2,220 |
| Core capital (leverage) ratio | 11.5478% | 1,896 |
| Tier 1 risk-based capital ratio | 34.7830% | 344 |
| Total risk-based capital ratio | 36.0311% | 339 |
| Memoranda: | ||
| Average total assets | $31,165,000 | 6,618 |
| Average earning assets | $29,700,330 | 6,569 |
| Average equity | $3,662,670 | 6,529 |
| Average total loans | $10,367,000 | 6,687 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8399% | 6,658 |
| Cost of funding earning assets | 0.3787% | 5,299 |
| Net interest margin | 2.4613% | 6,547 |
| Noninterest income to average assets | 0.1932% | 6,094 |
| Noninterest expense to average assets | 2.6143% | 4,357 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0901% | 6,432 |
| Return on assets (ROA) | -0.0901% | 6,487 |
| Pretax return on assets | -0.0773% | 6,468 |
| Return on Equity (ROE) | -0.7619% | 6,484 |
| Retained earnings to average equity (ytd only) | -0.7619% | 5,920 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.0457% | 455 |
| Assets per employee ($millions) | 4.4639% | 3,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 3,905 |
| Loan loss allowance to noncurrent loans | 434.2857% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 6,236 |
| Noncurrent loans to loans | 0.3406% | 5,553 |
| Net loans and leases to total assets | 32.3999% | 6,496 |
| Net loans and leases to deposits | 37.2069% | 6,534 |
| Net loans and leases to core deposits | 37.2069% | 6,590 |
| Total domestic deposits to total assets | 87.0804% | 2,917 |
| Equity capital to assets | 11.7387% | 2,226 |
| Core capital (leverage) ratio | 11.6935% | 1,756 |
| Tier 1 risk-based capital ratio | 33.6218% | 391 |
| Total risk-based capital ratio | 34.8739% | 385 |
| Memoranda: | ||
| Average total assets | $31,060,000 | 6,685 |
| Average earning assets | $29,578,000 | 6,630 |
| Average equity | $3,675,000 | 6,590 |
| Average total loans | $10,360,000 | 6,755 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9706% | 6,784 |
| Cost of funding earning assets | 0.4745% | 5,386 |
| Net interest margin | 2.4961% | 6,717 |
| Noninterest income to average assets | 0.2005% | 5,981 |
| Noninterest expense to average assets | 2.6855% | 4,452 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.1209% | 6,301 |
| Return on assets (ROA) | -0.1209% | 6,398 |
| Pretax return on assets | -0.1082% | 6,367 |
| Return on Equity (ROE) | -1.0224% | 6,388 |
| Retained earnings to average equity (ytd only) | -1.0224% | 6,017 |
| Net charge-offs to loans | 0.0093% | 5,812 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -34.0000% | 5,971 |
| Efficiency ratio | 104.1975% | 439 |
| Assets per employee ($millions) | 4.4104% | 3,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 3,920 |
| Loan loss allowance to noncurrent loans | 760.0000% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 6,453 |
| Noncurrent loans to loans | 0.1915% | 5,987 |
| Net loans and leases to total assets | 33.3366% | 6,577 |
| Net loans and leases to deposits | 38.3215% | 6,626 |
| Net loans and leases to core deposits | 38.3215% | 6,660 |
| Total domestic deposits to total assets | 86.9919% | 2,852 |
| Equity capital to assets | 11.9263% | 2,091 |
| Core capital (leverage) ratio | 11.8606% | 1,638 |
| Tier 1 risk-based capital ratio | 33.5719% | 378 |
| Total risk-based capital ratio | 34.8105% | 374 |
| Memoranda: | ||
| Average total assets | $31,428,200 | 6,719 |
| Average earning assets | $29,926,400 | 6,663 |
| Average equity | $3,716,600 | 6,631 |
| Average total loans | $10,734,200 | 6,816 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0124% | 6,897 |
| Cost of funding earning assets | 0.4880% | 5,519 |
| Net interest margin | 2.5244% | 6,810 |
| Noninterest income to average assets | 0.2027% | 6,077 |
| Noninterest expense to average assets | 2.6736% | 4,482 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.0845% | 6,391 |
| Return on assets (ROA) | -0.0845% | 6,485 |
| Pretax return on assets | -0.0676% | 6,459 |
| Return on Equity (ROE) | -0.7159% | 6,475 |
| Retained earnings to average equity (ytd only) | -0.7159% | 6,219 |
| Net charge-offs to loans | 0.0123% | 5,532 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -16.0376% | 5,748 |
| Efficiency ratio | 102.5932% | 460 |
| Assets per employee ($millions) | 4.0113% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4300% | 4,244 |
| Loan loss allowance to noncurrent loans | 5,066.6667% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 6,765 |
| Noncurrent loans to loans | 0.0282% | 6,555 |
| Net loans and leases to total assets | 32.6488% | 6,717 |
| Net loans and leases to deposits | 37.4299% | 6,772 |
| Net loans and leases to core deposits | 37.4299% | 6,824 |
| Total domestic deposits to total assets | 87.2266% | 2,544 |
| Equity capital to assets | 11.5737% | 2,675 |
| Core capital (leverage) ratio | 11.4716% | 2,005 |
| Tier 1 risk-based capital ratio | 31.6165% | 456 |
| Total risk-based capital ratio | 32.8977% | 451 |
| Memoranda: | ||
| Average total assets | $31,567,000 | 6,801 |
| Average earning assets | $30,052,500 | 6,747 |
| Average equity | $3,725,250 | 6,714 |
| Average total loans | $10,806,750 | 6,909 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0353% | 6,963 |
| Cost of funding earning assets | 0.5092% | 5,564 |
| Net interest margin | 2.5261% | 6,868 |
| Noninterest income to average assets | 0.1848% | 6,242 |
| Noninterest expense to average assets | 2.7013% | 4,420 |
| Loan and lease loss provision to assets | -0.0319% | 7,054 |
| Net operating income to assets | -0.0892% | 6,423 |
| Return on assets (ROA) | -0.0892% | 6,533 |
| Pretax return on assets | -0.0828% | 6,509 |
| Return on Equity (ROE) | -0.7509% | 6,522 |
| Retained earnings to average equity (ytd only) | -0.7509% | 6,171 |
| Net charge-offs to loans | 0.1104% | 4,078 |
| Credit loss provision to net charge-offs | -83.3333% | 6,047 |
| Earnings coverage of net charge-offs (x) | -3.0000% | 5,412 |
| Efficiency ratio | 104.4335% | 426 |
| Assets per employee ($millions) | 4.0383% | 3,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4464% | 4,262 |
| Loan loss allowance to noncurrent loans | 3,800.0000% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 6,810 |
| Noncurrent loans to loans | 0.0381% | 6,586 |
| Net loans and leases to total assets | 32.0591% | 6,802 |
| Net loans and leases to deposits | 36.6801% | 6,851 |
| Net loans and leases to core deposits | 36.6801% | 6,901 |
| Total domestic deposits to total assets | 87.4017% | 2,535 |
| Equity capital to assets | 11.5118% | 2,582 |
| Core capital (leverage) ratio | 11.4131% | 1,964 |
| Tier 1 risk-based capital ratio | 31.2595% | 469 |
| Total risk-based capital ratio | 32.5666% | 460 |
| Memoranda: | ||
| Average total assets | $31,392,670 | 6,858 |
| Average earning assets | $29,848,330 | 6,799 |
| Average equity | $3,729,000 | 6,748 |
| Average total loans | $10,866,000 | 6,969 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2136% | 6,939 |
| Cost of funding earning assets | 0.5447% | 5,535 |
| Net interest margin | 2.6689% | 6,811 |
| Noninterest income to average assets | 0.2069% | 6,148 |
| Noninterest expense to average assets | 2.7541% | 4,222 |
| Loan and lease loss provision to assets | -0.0646% | 7,156 |
| Net operating income to assets | 0.0517% | 6,327 |
| Return on assets (ROA) | 0.0517% | 6,445 |
| Pretax return on assets | 0.0517% | 6,452 |
| Return on Equity (ROE) | 0.4285% | 6,456 |
| Retained earnings to average equity (ytd only) | 0.4285% | 5,857 |
| Net charge-offs to loans | 0.2173% | 2,838 |
| Credit loss provision to net charge-offs | -83.3333% | 5,471 |
| Earnings coverage of net charge-offs (x) | -0.1667% | 4,423 |
| Efficiency ratio | 100.4717% | 539 |
| Assets per employee ($millions) | 3.8828% | 4,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4040% | 4,591 |
| Loan loss allowance to noncurrent loans | 214.0845% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.2286% | 6,308 |
| Noncurrent loans to loans | 0.6558% | 5,333 |
| Net loans and leases to total assets | 34.3635% | 6,720 |
| Net loans and leases to deposits | 39.5817% | 6,754 |
| Net loans and leases to core deposits | 39.5817% | 6,829 |
| Total domestic deposits to total assets | 86.8167% | 3,058 |
| Equity capital to assets | 12.0372% | 2,012 |
| Core capital (leverage) ratio | 11.8978% | 1,645 |
| Tier 1 risk-based capital ratio | 31.5198% | 459 |
| Total risk-based capital ratio | 32.8310% | 447 |
| Memoranda: | ||
| Average total assets | $30,936,000 | 6,924 |
| Average earning assets | $29,375,000 | 6,868 |
| Average equity | $3,734,000 | 6,790 |
| Average total loans | $11,044,500 | 7,021 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3678% | 7,069 |
| Cost of funding earning assets | 0.7628% | 5,118 |
| Net interest margin | 2.6050% | 6,998 |
| Noninterest income to average assets | 0.1997% | 6,072 |
| Noninterest expense to average assets | 2.7741% | 4,455 |
| Loan and lease loss provision to assets | -0.0412% | 7,238 |
| Net operating income to assets | 0.0571% | 5,950 |
| Return on assets (ROA) | 0.0571% | 6,061 |
| Pretax return on assets | -0.0539% | 6,175 |
| Return on Equity (ROE) | 0.4840% | 6,068 |
| Retained earnings to average equity (ytd only) | 0.4840% | 5,610 |
| Net charge-offs to loans | -0.3933% | 7,263 |
| Credit loss provision to net charge-offs | 28.2609% | 5,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5503% | 584 |
| Assets per employee ($millions) | 4.4014% | 3,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8435% | 6,660 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 36.2480% | 6,753 |
| Net loans and leases to deposits | 42.0071% | 6,799 |
| Net loans and leases to core deposits | 42.0071% | 6,885 |
| Total domestic deposits to total assets | 86.2902% | 3,147 |
| Equity capital to assets | 12.1032% | 2,042 |
| Core capital (leverage) ratio | 12.0165% | 1,584 |
| Tier 1 risk-based capital ratio | 32.2794% | 420 |
| Total risk-based capital ratio | 33.1184% | 422 |
| Memoranda: | ||
| Average total assets | $31,541,600 | 6,930 |
| Average earning assets | $30,019,600 | 6,869 |
| Average equity | $3,718,800 | 6,822 |
| Average total loans | $11,696,400 | 7,046 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4108% | 7,133 |
| Cost of funding earning assets | 0.7942% | 5,185 |
| Net interest margin | 2.6166% | 7,062 |
| Noninterest income to average assets | 0.1933% | 6,208 |
| Noninterest expense to average assets | 2.7990% | 4,348 |
| Loan and lease loss provision to assets | -0.0462% | 7,328 |
| Net operating income to assets | 0.0841% | 5,998 |
| Return on assets (ROA) | 0.0841% | 6,119 |
| Pretax return on assets | -0.0672% | 6,302 |
| Return on Equity (ROE) | 0.7177% | 6,125 |
| Retained earnings to average equity (ytd only) | 0.7177% | 5,731 |
| Net charge-offs to loans | -0.5534% | 7,350 |
| Credit loss provision to net charge-offs | 22.4490% | 5,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.2254% | 547 |
| Assets per employee ($millions) | 3.9650% | 3,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8125% | 6,798 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 36.5605% | 6,842 |
| Net loans and leases to deposits | 42.2970% | 6,899 |
| Net loans and leases to core deposits | 42.2970% | 6,978 |
| Total domestic deposits to total assets | 86.4376% | 2,968 |
| Equity capital to assets | 11.7812% | 2,424 |
| Core capital (leverage) ratio | 11.6795% | 1,905 |
| Tier 1 risk-based capital ratio | 31.1155% | 489 |
| Total risk-based capital ratio | 31.9238% | 493 |
| Memoranda: | ||
| Average total assets | $31,724,500 | 6,992 |
| Average earning assets | $30,216,750 | 6,932 |
| Average equity | $3,716,250 | 6,878 |
| Average total loans | $11,804,750 | 7,110 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4353% | 7,198 |
| Cost of funding earning assets | 0.8340% | 5,171 |
| Net interest margin | 2.6013% | 7,118 |
| Noninterest income to average assets | 0.2017% | 6,227 |
| Noninterest expense to average assets | 2.8431% | 4,262 |
| Loan and lease loss provision to assets | -0.0189% | 7,379 |
| Net operating income to assets | -0.1450% | 6,411 |
| Return on assets (ROA) | -0.1450% | 6,456 |
| Pretax return on assets | -0.1450% | 6,408 |
| Return on Equity (ROE) | -1.2401% | 6,434 |
| Retained earnings to average equity (ytd only) | -1.2401% | 6,100 |
| Net charge-offs to loans | -0.0507% | 7,032 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.1176% | 556 |
| Assets per employee ($millions) | 3.9905% | 3,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8160% | 6,840 |
| Loan loss allowance to noncurrent loans | 206.5217% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 6,731 |
| Noncurrent loans to loans | 0.3951% | 6,112 |
| Net loans and leases to total assets | 36.1703% | 6,952 |
| Net loans and leases to deposits | 41.4927% | 7,013 |
| Net loans and leases to core deposits | 41.4927% | 7,082 |
| Total domestic deposits to total assets | 87.1727% | 2,643 |
| Equity capital to assets | 11.5838% | 2,427 |
| Core capital (leverage) ratio | 11.4716% | 1,930 |
| Tier 1 risk-based capital ratio | 30.9656% | 491 |
| Total risk-based capital ratio | 31.7796% | 502 |
| Memoranda: | ||
| Average total assets | $31,726,000 | 7,054 |
| Average earning assets | $30,215,670 | 6,991 |
| Average equity | $3,709,330 | 6,924 |
| Average total loans | $11,842,330 | 7,179 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4928% | 7,210 |
| Cost of funding earning assets | 0.8898% | 4,996 |
| Net interest margin | 2.6030% | 7,122 |
| Noninterest income to average assets | 0.2277% | 6,095 |
| Noninterest expense to average assets | 2.8330% | 4,321 |
| Loan and lease loss provision to assets | -0.0126% | 7,449 |
| Net operating income to assets | -0.1138% | 6,475 |
| Return on assets (ROA) | -0.1138% | 6,493 |
| Pretax return on assets | -0.1138% | 6,463 |
| Return on Equity (ROE) | -0.9690% | 6,480 |
| Retained earnings to average equity (ytd only) | -0.9690% | 5,979 |
| Net charge-offs to loans | -0.0335% | 6,747 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.6729% | 606 |
| Assets per employee ($millions) | 3.8825% | 4,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8056% | 6,909 |
| Loan loss allowance to noncurrent loans | 202.1277% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.1513% | 6,789 |
| Noncurrent loans to loans | 0.3985% | 6,199 |
| Net loans and leases to total assets | 37.6626% | 6,922 |
| Net loans and leases to deposits | 43.5048% | 6,966 |
| Net loans and leases to core deposits | 43.5048% | 7,054 |
| Total domestic deposits to total assets | 86.5712% | 3,197 |
| Equity capital to assets | 11.9350% | 1,955 |
| Core capital (leverage) ratio | 11.8341% | 1,658 |
| Tier 1 risk-based capital ratio | 31.5447% | 457 |
| Total risk-based capital ratio | 32.3695% | 460 |
| Memoranda: | ||
| Average total assets | $31,627,000 | 7,104 |
| Average earning assets | $30,119,500 | 7,046 |
| Average equity | $3,715,000 | 6,954 |
| Average total loans | $11,942,500 | 7,228 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7408% | 7,286 |
| Cost of funding earning assets | 1.0743% | 5,292 |
| Net interest margin | 2.6666% | 7,154 |
| Noninterest income to average assets | 0.1998% | 6,349 |
| Noninterest expense to average assets | 2.8057% | 4,584 |
| Loan and lease loss provision to assets | 0.3239% | 4,221 |
| Net operating income to assets | -0.4116% | 6,324 |
| Return on assets (ROA) | -0.4116% | 6,352 |
| Pretax return on assets | -0.3904% | 6,237 |
| Return on Equity (ROE) | -3.5776% | 6,331 |
| Retained earnings to average equity (ytd only) | -3.5776% | 6,165 |
| Net charge-offs to loans | 0.6936% | 2,927 |
| Credit loss provision to net charge-offs | 122.9885% | 3,387 |
| Earnings coverage of net charge-offs (x) | -0.2529% | 6,323 |
| Efficiency ratio | 102.4309% | 707 |
| Assets per employee ($millions) | 4.5991% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7856% | 7,000 |
| Loan loss allowance to noncurrent loans | 135.7143% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 6,689 |
| Noncurrent loans to loans | 0.5789% | 5,898 |
| Net loans and leases to total assets | 37.2647% | 7,102 |
| Net loans and leases to deposits | 43.1562% | 7,148 |
| Net loans and leases to core deposits | 43.1562% | 7,226 |
| Total domestic deposits to total assets | 86.3484% | 3,170 |
| Equity capital to assets | 11.5643% | 2,205 |
| Core capital (leverage) ratio | 11.4472% | 1,862 |
| Tier 1 risk-based capital ratio | 30.6497% | 484 |
| Total risk-based capital ratio | 31.4522% | 494 |
| Memoranda: | ||
| Average total assets | $33,039,800 | 7,111 |
| Average earning assets | $31,463,800 | 7,039 |
| Average equity | $3,801,400 | 7,057 |
| Average total loans | $12,543,000 | 7,277 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7140% | 7,440 |
| Cost of funding earning assets | 1.0990% | 5,422 |
| Net interest margin | 2.6149% | 7,304 |
| Noninterest income to average assets | 0.2005% | 6,466 |
| Noninterest expense to average assets | 2.8068% | 4,455 |
| Loan and lease loss provision to assets | 0.3970% | 3,525 |
| Net operating income to assets | -0.5413% | 6,620 |
| Return on assets (ROA) | -0.5413% | 6,676 |
| Pretax return on assets | -0.5133% | 6,564 |
| Return on Equity (ROE) | -4.7108% | 6,627 |
| Retained earnings to average equity (ytd only) | -4.7108% | 6,532 |
| Net charge-offs to loans | 0.8323% | 2,374 |
| Credit loss provision to net charge-offs | 125.3165% | 3,268 |
| Earnings coverage of net charge-offs (x) | -0.3671% | 6,277 |
| Efficiency ratio | 104.3219% | 633 |
| Assets per employee ($millions) | 5.2430% | 1,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7728% | 7,060 |
| Loan loss allowance to noncurrent loans | 87.1560% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.3465% | 6,516 |
| Noncurrent loans to loans | 0.8867% | 5,463 |
| Net loans and leases to total assets | 38.7755% | 7,142 |
| Net loans and leases to deposits | 44.7781% | 7,211 |
| Net loans and leases to core deposits | 44.7781% | 7,296 |
| Total domestic deposits to total assets | 86.5948% | 2,761 |
| Equity capital to assets | 11.8825% | 2,235 |
| Core capital (leverage) ratio | 11.7210% | 1,805 |
| Tier 1 risk-based capital ratio | 30.7510% | 485 |
| Total risk-based capital ratio | 31.5562% | 486 |
| Memoranda: | ||
| Average total assets | $33,251,250 | 7,196 |
| Average earning assets | $31,663,500 | 7,118 |
| Average equity | $3,821,000 | 7,141 |
| Average total loans | $12,655,750 | 7,368 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9156% | 7,414 |
| Cost of funding earning assets | 1.1170% | 5,586 |
| Net interest margin | 2.7986% | 7,144 |
| Noninterest income to average assets | 0.1950% | 6,503 |
| Noninterest expense to average assets | 2.7889% | 4,538 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.0295% | 6,040 |
| Return on assets (ROA) | 0.0295% | 6,134 |
| Pretax return on assets | 0.0709% | 6,034 |
| Return on Equity (ROE) | 0.2598% | 6,140 |
| Retained earnings to average equity (ytd only) | 0.2598% | 5,652 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5207% | 897 |
| Assets per employee ($millions) | 4.8071% | 2,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5941% | 7,422 |
| Loan loss allowance to noncurrent loans | 277.7778% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 7,196 |
| Noncurrent loans to loans | 0.2139% | 6,824 |
| Net loans and leases to total assets | 37.2927% | 7,301 |
| Net loans and leases to deposits | 42.8513% | 7,362 |
| Net loans and leases to core deposits | 44.0548% | 7,400 |
| Total domestic deposits to total assets | 87.0282% | 2,517 |
| Equity capital to assets | 11.5334% | 2,412 |
| Core capital (leverage) ratio | 11.3772% | 1,989 |
| Tier 1 risk-based capital ratio | 27.3578% | 673 |
| Total risk-based capital ratio | 27.9019% | 713 |
| Memoranda: | ||
| Average total assets | $33,849,000 | 7,220 |
| Average earning assets | $32,230,000 | 7,144 |
| Average equity | $3,848,670 | 7,167 |
| Average total loans | $12,776,670 | 7,412 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0343% | 7,430 |
| Cost of funding earning assets | 1.1509% | 5,653 |
| Net interest margin | 2.8834% | 7,041 |
| Noninterest income to average assets | 0.2121% | 6,447 |
| Noninterest expense to average assets | 2.8042% | 4,465 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0589% | 6,134 |
| Return on assets (ROA) | 0.0589% | 6,243 |
| Pretax return on assets | 0.1532% | 6,011 |
| Return on Equity (ROE) | 0.5219% | 6,259 |
| Retained earnings to average equity (ytd only) | 0.5219% | 5,617 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8207% | 1,090 |
| Assets per employee ($millions) | 4.8809% | 2,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5873% | 7,514 |
| Loan loss allowance to noncurrent loans | 111.9403% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.1961% | 6,974 |
| Noncurrent loans to loans | 0.5247% | 6,239 |
| Net loans and leases to total assets | 37.1568% | 7,380 |
| Net loans and leases to deposits | 42.7024% | 7,439 |
| Net loans and leases to core deposits | 43.8833% | 7,486 |
| Total domestic deposits to total assets | 87.0134% | 2,626 |
| Equity capital to assets | 11.2275% | 2,556 |
| Core capital (leverage) ratio | 11.1895% | 2,100 |
| Tier 1 risk-based capital ratio | 26.8885% | 717 |
| Total risk-based capital ratio | 27.4230% | 752 |
| Memoranda: | ||
| Average total assets | $33,948,500 | 7,307 |
| Average earning assets | $32,322,500 | 7,232 |
| Average equity | $3,832,500 | 7,241 |
| Average total loans | $12,853,000 | 7,505 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5496% | 7,337 |
| Cost of funding earning assets | 1.5030% | 5,503 |
| Net interest margin | 3.0466% | 6,526 |
| Noninterest income to average assets | 0.1869% | 6,751 |
| Noninterest expense to average assets | 2.8297% | 4,836 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.1394% | 5,082 |
| Return on assets (ROA) | -1.5899% | 6,900 |
| Pretax return on assets | -1.4742% | 6,685 |
| Return on Equity (ROE) | -13.8230% | 6,868 |
| Retained earnings to average equity (ytd only) | -13.8230% | 6,803 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7308% | 1,586 |
| Assets per employee ($millions) | 4.8187% | 2,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5798% | 7,584 |
| Loan loss allowance to noncurrent loans | 111.9403% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 6,964 |
| Noncurrent loans to loans | 0.5179% | 6,213 |
| Net loans and leases to total assets | 38.1281% | 7,443 |
| Net loans and leases to deposits | 43.4215% | 7,534 |
| Net loans and leases to core deposits | 50.4551% | 7,577 |
| Total domestic deposits to total assets | 87.8094% | 2,069 |
| Equity capital to assets | 11.3516% | 2,432 |
| Core capital (leverage) ratio | 11.3185% | 2,024 |
| Tier 1 risk-based capital ratio | 26.6317% | 719 |
| Total risk-based capital ratio | 27.1632% | 753 |
| Memoranda: | ||
| Average total assets | $33,713,800 | 7,340 |
| Average earning assets | $32,068,600 | 7,254 |
| Average equity | $3,877,600 | 7,337 |
| Average total loans | $12,998,000 | 7,548 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6262% | 7,380 |
| Cost of funding earning assets | 1.5726% | 5,526 |
| Net interest margin | 3.0536% | 6,450 |
| Noninterest income to average assets | 0.1819% | 6,925 |
| Noninterest expense to average assets | 2.8241% | 4,790 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.1463% | 5,332 |
| Return on assets (ROA) | 0.1463% | 5,397 |
| Pretax return on assets | 0.2611% | 5,166 |
| Return on Equity (ROE) | 1.2682% | 5,413 |
| Retained earnings to average equity (ytd only) | 1.2682% | 4,614 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5385% | 1,575 |
| Assets per employee ($millions) | 4.8761% | 2,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5761% | 7,617 |
| Loan loss allowance to noncurrent loans | 85.2273% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.2578% | 6,867 |
| Noncurrent loans to loans | 0.6760% | 5,948 |
| Net loans and leases to total assets | 37.9193% | 7,551 |
| Net loans and leases to deposits | 43.5909% | 7,633 |
| Net loans and leases to core deposits | 50.8686% | 7,665 |
| Total domestic deposits to total assets | 86.9891% | 2,185 |
| Equity capital to assets | 11.8976% | 2,292 |
| Core capital (leverage) ratio | 12.6466% | 1,523 |
| Tier 1 risk-based capital ratio | 30.4314% | 543 |
| Total risk-based capital ratio | 30.9584% | 572 |
| Memoranda: | ||
| Average total assets | $33,709,500 | 7,394 |
| Average earning assets | $32,048,500 | 7,323 |
| Average equity | $3,889,750 | 7,388 |
| Average total loans | $13,013,500 | 7,620 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7501% | 7,317 |
| Cost of funding earning assets | 1.6585% | 5,477 |
| Net interest margin | 3.0916% | 6,273 |
| Noninterest income to average assets | 0.1787% | 7,017 |
| Noninterest expense to average assets | 2.8598% | 4,686 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.1430% | 5,439 |
| Return on assets (ROA) | 0.1430% | 5,533 |
| Pretax return on assets | 0.2622% | 5,293 |
| Return on Equity (ROE) | 1.2524% | 5,557 |
| Retained earnings to average equity (ytd only) | 1.2524% | 4,651 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6031% | 1,672 |
| Assets per employee ($millions) | 4.7816% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5853% | 7,661 |
| Loan loss allowance to noncurrent loans | 72.8155% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 0.3077% | 6,697 |
| Noncurrent loans to loans | 0.8039% | 5,622 |
| Net loans and leases to total assets | 38.0568% | 7,634 |
| Net loans and leases to deposits | 43.6981% | 7,711 |
| Net loans and leases to core deposits | 50.3478% | 7,756 |
| Total domestic deposits to total assets | 87.0903% | 2,208 |
| Equity capital to assets | 11.9984% | 2,207 |
| Core capital (leverage) ratio | 12.8311% | 1,487 |
| Tier 1 risk-based capital ratio | 30.5974% | 566 |
| Total risk-based capital ratio | 31.1258% | 597 |
| Memoranda: | ||
| Average total assets | $33,568,330 | 7,465 |
| Average earning assets | $31,957,330 | 7,401 |
| Average equity | $3,832,670 | 7,465 |
| Average total loans | $13,012,000 | 7,700 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8000% | 7,368 |
| Cost of funding earning assets | 1.7330% | 5,460 |
| Net interest margin | 3.0670% | 6,287 |
| Noninterest income to average assets | 0.2023% | 6,845 |
| Noninterest expense to average assets | 2.9152% | 4,106 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1190% | 5,928 |
| Return on assets (ROA) | 0.1190% | 6,090 |
| Pretax return on assets | 0.2142% | 5,901 |
| Return on Equity (ROE) | 1.0692% | 6,105 |
| Retained earnings to average equity (ytd only) | 1.0692% | 5,213 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1559% | 1,487 |
| Assets per employee ($millions) | 4.9026% | 2,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5818% | 7,691 |
| Loan loss allowance to noncurrent loans | 70.7547% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 0.3089% | 6,594 |
| Noncurrent loans to loans | 0.8223% | 5,389 |
| Net loans and leases to total assets | 37.3419% | 7,681 |
| Net loans and leases to deposits | 42.3692% | 7,773 |
| Net loans and leases to core deposits | 49.1769% | 7,810 |
| Total domestic deposits to total assets | 88.1345% | 1,687 |
| Equity capital to assets | 10.8252% | 3,148 |
| Core capital (leverage) ratio | 12.4728% | 1,697 |
| Tier 1 risk-based capital ratio | 29.8644% | 624 |
| Total risk-based capital ratio | 30.3806% | 660 |
| Memoranda: | ||
| Average total assets | $33,617,000 | 7,509 |
| Average earning assets | $32,083,500 | 7,436 |
| Average equity | $3,741,000 | 7,542 |
| Average total loans | $13,111,500 | 7,742 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4636% | 7,375 |
| Cost of funding earning assets | 2.6260% | 3,552 |
| Net interest margin | 2.8375% | 7,271 |
| Noninterest income to average assets | 0.2375% | 6,743 |
| Noninterest expense to average assets | 2.7754% | 4,928 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1564% | 5,967 |
| Return on assets (ROA) | 0.1564% | 5,794 |
| Pretax return on assets | 0.1654% | 5,808 |
| Return on Equity (ROE) | 1.2611% | 5,841 |
| Retained earnings to average equity (ytd only) | 1.2611% | 4,465 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3763% | 1,255 |
| Assets per employee ($millions) | 4.7023% | 2,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5625% | 7,743 |
| Loan loss allowance to noncurrent loans | 22.9358% | 7,107 |
| Noncurrent assets plus other real estate owned to assets | 0.9934% | 4,354 |
| Noncurrent loans to loans | 2.4526% | 2,232 |
| Net loans and leases to total assets | 40.2783% | 7,659 |
| Net loans and leases to deposits | 45.8723% | 7,784 |
| Net loans and leases to core deposits | 52.2195% | 7,838 |
| Total domestic deposits to total assets | 87.8053% | 1,558 |
| Equity capital to assets | 11.4443% | 2,672 |
| Core capital (leverage) ratio | 11.4443% | 2,287 |
| Tier 1 risk-based capital ratio | 25.6115% | 937 |
| Total risk-based capital ratio | 26.1254% | 978 |
| Memoranda: | ||
| Average total assets | $33,256,800 | 7,495 |
| Average earning assets | $31,682,600 | 7,425 |
| Average equity | $4,123,400 | 7,464 |
| Average total loans | $13,618,800 | 7,726 |