Home > First National Bank of the Lakes > Performance and Condition Ratios
First National Bank of the Lakes, Performance and Condition Ratios
| 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 | 2.5372% | 5,955 |
| Cost of funding earning assets | 0.0568% | 6,035 |
| Net interest margin | 2.4805% | 5,822 |
| Noninterest income to average assets | 1.4176% | 557 |
| Noninterest expense to average assets | 2.9181% | 2,641 |
| Loan and lease loss provision to assets | 0.0207% | 3,418 |
| Net operating income to assets | 0.7399% | 3,538 |
| Return on assets (ROA) | 0.7399% | 3,643 |
| Pretax return on assets | 0.7399% | 4,391 |
| Return on Equity (ROE) | 8.9076% | 2,467 |
| Retained earnings to average equity (ytd only) | 8.9076% | 1,143 |
| Net charge-offs to loans | 0.1744% | 1,098 |
| Credit loss provision to net charge-offs | 30.7692% | 2,217 |
| Earnings coverage of net charge-offs (x) | 11.3077% | 1,870 |
| Efficiency ratio | 79.3249% | 1,695 |
| Assets per employee ($millions) | 3.2917% | 5,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5170% | 1,912 |
| Loan loss allowance to noncurrent loans | 238.8298% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.2483% | 4,564 |
| Noncurrent loans to loans | 0.6352% | 3,268 |
| Net loans and leases to total assets | 38.4995% | 5,534 |
| Net loans and leases to deposits | 42.1586% | 5,649 |
| Net loans and leases to core deposits | 42.3244% | 5,703 |
| Total domestic deposits to total assets | 91.3208% | 192 |
| Equity capital to assets | 8.5827% | 5,509 |
| Core capital (leverage) ratio | 8.4013% | 5,479 |
| Tier 1 risk-based capital ratio | 20.2553% | 1,447 |
| Total risk-based capital ratio | 21.5068% | 1,422 |
| Memoranda: | ||
| Average total assets | $77,311,500 | 4,910 |
| Average earning assets | $70,471,000 | 4,911 |
| Average equity | $6,421,500 | 5,331 |
| Average total loans | $29,808,500 | 5,345 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5444% | 5,982 |
| Cost of funding earning assets | 0.0655% | 6,083 |
| Net interest margin | 2.4789% | 5,840 |
| Noninterest income to average assets | 1.0490% | 1,069 |
| Noninterest expense to average assets | 2.9926% | 2,574 |
| Loan and lease loss provision to assets | 0.0269% | 3,846 |
| Net operating income to assets | 0.2646% | 5,449 |
| Return on assets (ROA) | 0.3667% | 5,239 |
| Pretax return on assets | 0.3667% | 5,392 |
| Return on Equity (ROE) | 4.3778% | 4,793 |
| Retained earnings to average equity (ytd only) | 4.3778% | 2,859 |
| Net charge-offs to loans | 0.0853% | 2,610 |
| Credit loss provision to net charge-offs | 80.0000% | 2,948 |
| Earnings coverage of net charge-offs (x) | 8.6800% | 2,918 |
| Efficiency ratio | 91.1247% | 625 |
| Assets per employee ($millions) | 3.4310% | 4,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5256% | 1,879 |
| Loan loss allowance to noncurrent loans | 227.8607% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.2547% | 4,572 |
| Noncurrent loans to loans | 0.6696% | 3,188 |
| Net loans and leases to total assets | 37.4615% | 5,645 |
| Net loans and leases to deposits | 40.7746% | 5,746 |
| Net loans and leases to core deposits | 40.9276% | 5,796 |
| Total domestic deposits to total assets | 91.8746% | 118 |
| Equity capital to assets | 8.0405% | 5,836 |
| Core capital (leverage) ratio | 8.1012% | 5,776 |
| Tier 1 risk-based capital ratio | 19.5816% | 1,568 |
| Total risk-based capital ratio | 20.8311% | 1,536 |
| Memoranda: | ||
| Average total assets | $74,451,400 | 4,979 |
| Average earning assets | $67,127,400 | 5,008 |
| Average equity | $6,236,000 | 5,386 |
| Average total loans | $29,319,600 | 5,389 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5522% | 6,066 |
| Cost of funding earning assets | 0.0667% | 6,166 |
| Net interest margin | 2.4855% | 5,917 |
| Noninterest income to average assets | 1.0799% | 1,034 |
| Noninterest expense to average assets | 3.0489% | 2,367 |
| Loan and lease loss provision to assets | 0.0309% | 3,620 |
| Net operating income to assets | 0.2345% | 5,604 |
| Return on assets (ROA) | 0.3727% | 5,333 |
| Pretax return on assets | 0.3727% | 5,519 |
| Return on Equity (ROE) | 4.4023% | 4,871 |
| Retained earnings to average equity (ytd only) | 4.4023% | 3,342 |
| Net charge-offs to loans | 0.0778% | 2,441 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 8.5867% | 2,794 |
| Efficiency ratio | 91.9912% | 573 |
| Assets per employee ($millions) | 2.9373% | 5,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5348% | 2,015 |
| Loan loss allowance to noncurrent loans | 229.2079% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.2645% | 4,712 |
| Noncurrent loans to loans | 0.6696% | 3,322 |
| Net loans and leases to total assets | 38.8949% | 5,649 |
| Net loans and leases to deposits | 42.4913% | 5,783 |
| Net loans and leases to core deposits | 42.6561% | 5,834 |
| Total domestic deposits to total assets | 91.5359% | 151 |
| Equity capital to assets | 8.2401% | 5,852 |
| Core capital (leverage) ratio | 8.2684% | 5,734 |
| Tier 1 risk-based capital ratio | 19.3893% | 1,688 |
| Total risk-based capital ratio | 20.6397% | 1,660 |
| Memoranda: | ||
| Average total assets | $73,336,000 | 5,066 |
| Average earning assets | $65,928,250 | 5,100 |
| Average equity | $6,208,750 | 5,456 |
| Average total loans | $29,144,500 | 5,459 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5067% | 6,163 |
| Cost of funding earning assets | 0.0615% | 6,250 |
| Net interest margin | 2.4451% | 6,006 |
| Noninterest income to average assets | 1.0840% | 1,020 |
| Noninterest expense to average assets | 3.0474% | 2,404 |
| Loan and lease loss provision to assets | 0.0277% | 3,576 |
| Net operating income to assets | 0.2074% | 5,678 |
| Return on assets (ROA) | 0.4176% | 5,188 |
| Pretax return on assets | 0.4176% | 5,429 |
| Return on Equity (ROE) | 4.8862% | 4,670 |
| Retained earnings to average equity (ytd only) | 4.8862% | 2,933 |
| Net charge-offs to loans | 0.0694% | 2,404 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,558 |
| Efficiency ratio | 92.8391% | 586 |
| Assets per employee ($millions) | 2.8313% | 5,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5811% | 1,965 |
| Loan loss allowance to noncurrent loans | 203.9648% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.3084% | 4,649 |
| Noncurrent loans to loans | 0.7752% | 3,173 |
| Net loans and leases to total assets | 39.1496% | 5,680 |
| Net loans and leases to deposits | 42.8365% | 5,808 |
| Net loans and leases to core deposits | 43.5315% | 5,845 |
| Total domestic deposits to total assets | 91.3931% | 210 |
| Equity capital to assets | 8.4629% | 5,715 |
| Core capital (leverage) ratio | 8.6221% | 5,412 |
| Tier 1 risk-based capital ratio | 19.6589% | 1,631 |
| Total risk-based capital ratio | 20.9127% | 1,597 |
| Memoranda: | ||
| Average total assets | $72,324,670 | 5,146 |
| Average earning assets | $65,027,000 | 5,177 |
| Average equity | $6,180,670 | 5,509 |
| Average total loans | $28,803,670 | 5,526 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5107% | 6,219 |
| Cost of funding earning assets | 0.0684% | 6,299 |
| Net interest margin | 2.4424% | 6,074 |
| Noninterest income to average assets | 1.0547% | 1,011 |
| Noninterest expense to average assets | 3.1362% | 2,169 |
| Loan and lease loss provision to assets | 0.0446% | 3,029 |
| Net operating income to assets | 0.0670% | 5,932 |
| Return on assets (ROA) | 0.4911% | 4,847 |
| Pretax return on assets | 0.4911% | 5,199 |
| Return on Equity (ROE) | 5.7180% | 4,176 |
| Retained earnings to average equity (ytd only) | 5.7180% | 2,651 |
| Net charge-offs to loans | 0.1120% | 1,623 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 2,742 |
| Efficiency ratio | 96.5636% | 482 |
| Assets per employee ($millions) | 2.7333% | 5,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6005% | 2,048 |
| Loan loss allowance to noncurrent loans | 164.1844% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.3968% | 4,441 |
| Noncurrent loans to loans | 0.9748% | 2,822 |
| Net loans and leases to total assets | 40.0552% | 5,596 |
| Net loans and leases to deposits | 43.9568% | 5,760 |
| Net loans and leases to core deposits | 44.6967% | 5,817 |
| Total domestic deposits to total assets | 91.1239% | 325 |
| Equity capital to assets | 8.6848% | 5,586 |
| Core capital (leverage) ratio | 8.6738% | 5,350 |
| Tier 1 risk-based capital ratio | 19.7487% | 1,680 |
| Total risk-based capital ratio | 20.9956% | 1,642 |
| Memoranda: | ||
| Average total assets | $71,679,500 | 5,206 |
| Average earning assets | $64,364,000 | 5,243 |
| Average equity | $6,156,000 | 5,564 |
| Average total loans | $28,564,000 | 5,573 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7265% | 6,249 |
| Cost of funding earning assets | 0.0737% | 6,389 |
| Net interest margin | 2.6528% | 6,004 |
| Noninterest income to average assets | 1.2065% | 820 |
| Noninterest expense to average assets | 3.2553% | 2,057 |
| Loan and lease loss provision to assets | 0.0228% | 4,154 |
| Net operating income to assets | 0.2831% | 5,558 |
| Return on assets (ROA) | 0.2831% | 5,635 |
| Pretax return on assets | 0.2831% | 5,733 |
| Return on Equity (ROE) | 3.2858% | 5,382 |
| Retained earnings to average equity (ytd only) | 3.2858% | 3,892 |
| Net charge-offs to loans | 0.1323% | 2,693 |
| Credit loss provision to net charge-offs | 42.1053% | 3,633 |
| Earnings coverage of net charge-offs (x) | 5.6579% | 3,380 |
| Efficiency ratio | 91.4103% | 750 |
| Assets per employee ($millions) | 2.7805% | 5,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6419% | 1,949 |
| Loan loss allowance to noncurrent loans | 221.5311% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.6045% | 3,780 |
| Noncurrent loans to loans | 0.7412% | 3,466 |
| Net loans and leases to total assets | 38.3666% | 5,831 |
| Net loans and leases to deposits | 42.0561% | 5,969 |
| Net loans and leases to core deposits | 42.7510% | 6,003 |
| Total domestic deposits to total assets | 91.2272% | 290 |
| Equity capital to assets | 8.4933% | 5,759 |
| Core capital (leverage) ratio | 8.4582% | 5,596 |
| Tier 1 risk-based capital ratio | 19.6208% | 1,676 |
| Total risk-based capital ratio | 20.8677% | 1,640 |
| Memoranda: | ||
| Average total assets | $70,284,600 | 5,278 |
| Average earning assets | $62,387,800 | 5,328 |
| Average equity | $6,056,400 | 5,607 |
| Average total loans | $28,714,600 | 5,620 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8079% | 6,275 |
| Cost of funding earning assets | 0.0734% | 6,472 |
| Net interest margin | 2.7345% | 5,967 |
| Noninterest income to average assets | 1.2496% | 778 |
| Noninterest expense to average assets | 3.3150% | 1,870 |
| Loan and lease loss provision to assets | 0.0248% | 3,911 |
| Net operating income to assets | 0.3305% | 5,489 |
| Return on assets (ROA) | 0.3305% | 5,559 |
| Pretax return on assets | 0.3305% | 5,715 |
| Return on Equity (ROE) | 3.8217% | 5,243 |
| Retained earnings to average equity (ytd only) | 3.8217% | 3,933 |
| Net charge-offs to loans | 0.1479% | 2,308 |
| Credit loss provision to net charge-offs | 40.6250% | 3,277 |
| Earnings coverage of net charge-offs (x) | 5.8118% | 3,192 |
| Efficiency ratio | 90.3175% | 827 |
| Assets per employee ($millions) | 2.6057% | 6,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6447% | 2,151 |
| Loan loss allowance to noncurrent loans | 111.2440% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.5941% | 4,065 |
| Noncurrent loans to loans | 1.4784% | 2,197 |
| Net loans and leases to total assets | 39.5253% | 5,842 |
| Net loans and leases to deposits | 43.4005% | 6,005 |
| Net loans and leases to core deposits | 43.5835% | 6,058 |
| Total domestic deposits to total assets | 91.0710% | 345 |
| Equity capital to assets | 8.6817% | 5,654 |
| Core capital (leverage) ratio | 8.5188% | 5,644 |
| Tier 1 risk-based capital ratio | 19.5703% | 1,764 |
| Total risk-based capital ratio | 20.8258% | 1,735 |
| Memoranda: | ||
| Average total assets | $69,782,750 | 5,349 |
| Average earning assets | $61,777,000 | 5,410 |
| Average equity | $6,035,500 | 5,671 |
| Average total loans | $28,843,500 | 5,670 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8280% | 6,321 |
| Cost of funding earning assets | 0.0779% | 6,526 |
| Net interest margin | 2.7501% | 5,988 |
| Noninterest income to average assets | 1.3335% | 677 |
| Noninterest expense to average assets | 3.3337% | 1,833 |
| Loan and lease loss provision to assets | 0.0374% | 3,547 |
| Net operating income to assets | 0.3966% | 5,237 |
| Return on assets (ROA) | 0.3966% | 5,307 |
| Pretax return on assets | 0.3966% | 5,576 |
| Return on Equity (ROE) | 4.5913% | 4,867 |
| Retained earnings to average equity (ytd only) | 4.5913% | 3,238 |
| Net charge-offs to loans | 0.2755% | 1,436 |
| Credit loss provision to net charge-offs | 32.5000% | 3,023 |
| Earnings coverage of net charge-offs (x) | 3.7750% | 3,220 |
| Efficiency ratio | 88.4821% | 1,043 |
| Assets per employee ($millions) | 2.6091% | 6,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5587% | 2,631 |
| Loan loss allowance to noncurrent loans | 117.9949% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 0.5522% | 4,335 |
| Noncurrent loans to loans | 1.3210% | 2,601 |
| Net loans and leases to total assets | 41.1498% | 5,737 |
| Net loans and leases to deposits | 45.1210% | 5,930 |
| Net loans and leases to core deposits | 45.8845% | 6,002 |
| Total domestic deposits to total assets | 91.1988% | 342 |
| Equity capital to assets | 8.6507% | 5,662 |
| Core capital (leverage) ratio | 8.4376% | 5,707 |
| Tier 1 risk-based capital ratio | 18.8544% | 1,957 |
| Total risk-based capital ratio | 20.1053% | 1,922 |
| Memoranda: | ||
| Average total assets | $69,592,000 | 5,405 |
| Average earning assets | $61,597,330 | 5,464 |
| Average equity | $6,011,330 | 5,716 |
| Average total loans | $29,033,670 | 5,695 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7976% | 6,402 |
| Cost of funding earning assets | 0.0786% | 6,609 |
| Net interest margin | 2.7190% | 6,088 |
| Noninterest income to average assets | 1.2492% | 704 |
| Noninterest expense to average assets | 3.2907% | 1,964 |
| Loan and lease loss provision to assets | 0.0116% | 3,681 |
| Net operating income to assets | 0.3470% | 5,324 |
| Return on assets (ROA) | 0.3470% | 5,383 |
| Pretax return on assets | 0.3470% | 5,602 |
| Return on Equity (ROE) | 4.0201% | 5,026 |
| Retained earnings to average equity (ytd only) | 4.0201% | 3,705 |
| Net charge-offs to loans | 0.0278% | 3,022 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,026 |
| Efficiency ratio | 90.1743% | 1,020 |
| Assets per employee ($millions) | 2.6394% | 6,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6503% | 2,513 |
| Loan loss allowance to noncurrent loans | 201.6667% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.4911% | 4,665 |
| Noncurrent loans to loans | 0.8183% | 3,832 |
| Net loans and leases to total assets | 42.0313% | 5,668 |
| Net loans and leases to deposits | 46.1305% | 5,844 |
| Net loans and leases to core deposits | 46.3298% | 5,971 |
| Total domestic deposits to total assets | 91.1140% | 524 |
| Equity capital to assets | 8.7403% | 5,407 |
| Core capital (leverage) ratio | 8.6000% | 5,525 |
| Tier 1 risk-based capital ratio | 18.5026% | 2,124 |
| Total risk-based capital ratio | 19.7556% | 2,085 |
| Memoranda: | ||
| Average total assets | $69,165,500 | 5,468 |
| Average earning assets | $61,052,000 | 5,540 |
| Average equity | $5,970,000 | 5,753 |
| Average total loans | $28,827,000 | 5,755 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7402% | 6,524 |
| Cost of funding earning assets | 0.0698% | 6,728 |
| Net interest margin | 2.6703% | 6,175 |
| Noninterest income to average assets | 1.4584% | 653 |
| Noninterest expense to average assets | 3.4385% | 1,793 |
| Loan and lease loss provision to assets | 0.0570% | 4,003 |
| Net operating income to assets | 0.3118% | 5,481 |
| Return on assets (ROA) | 0.3118% | 5,577 |
| Pretax return on assets | 0.3133% | 5,694 |
| Return on Equity (ROE) | 3.5556% | 5,296 |
| Retained earnings to average equity (ytd only) | 3.5556% | 3,685 |
| Net charge-offs to loans | 0.3379% | 1,986 |
| Credit loss provision to net charge-offs | 42.6966% | 3,982 |
| Earnings coverage of net charge-offs (x) | 2.7753% | 4,077 |
| Efficiency ratio | 90.2794% | 1,003 |
| Assets per employee ($millions) | 2.5817% | 6,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7122% | 2,364 |
| Loan loss allowance to noncurrent loans | 198.7705% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.4892% | 4,771 |
| Noncurrent loans to loans | 0.8614% | 3,828 |
| Net loans and leases to total assets | 39.9406% | 5,968 |
| Net loans and leases to deposits | 43.7154% | 6,135 |
| Net loans and leases to core deposits | 43.9008% | 6,230 |
| Total domestic deposits to total assets | 91.3652% | 450 |
| Equity capital to assets | 8.5244% | 5,555 |
| Core capital (leverage) ratio | 8.5243% | 5,638 |
| Tier 1 risk-based capital ratio | 18.9248% | 1,948 |
| Total risk-based capital ratio | 20.1102% | 1,924 |
| Memoranda: | ||
| Average total assets | $66,715,400 | 5,573 |
| Average earning assets | $58,719,400 | 5,633 |
| Average equity | $5,850,000 | 5,852 |
| Average total loans | $26,337,800 | 5,920 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6405% | 6,648 |
| Cost of funding earning assets | 0.0689% | 6,819 |
| Net interest margin | 2.5715% | 6,349 |
| Noninterest income to average assets | 1.4956% | 657 |
| Noninterest expense to average assets | 3.4865% | 1,638 |
| Loan and lease loss provision to assets | 0.0566% | 3,923 |
| Net operating income to assets | 0.2122% | 5,881 |
| Return on assets (ROA) | 0.2122% | 5,964 |
| Pretax return on assets | 0.2142% | 6,015 |
| Return on Equity (ROE) | 2.4026% | 5,824 |
| Retained earnings to average equity (ytd only) | 2.4026% | 4,893 |
| Net charge-offs to loans | 0.3405% | 1,844 |
| Credit loss provision to net charge-offs | 42.4242% | 3,660 |
| Earnings coverage of net charge-offs (x) | 2.0302% | 4,153 |
| Efficiency ratio | 92.7918% | 802 |
| Assets per employee ($millions) | 2.4390% | 6,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8425% | 2,167 |
| Loan loss allowance to noncurrent loans | 65.3947% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 1.1129% | 3,425 |
| Noncurrent loans to loans | 2.8175% | 1,476 |
| Net loans and leases to total assets | 38.7697% | 6,121 |
| Net loans and leases to deposits | 42.5115% | 6,281 |
| Net loans and leases to core deposits | 42.6959% | 6,364 |
| Total domestic deposits to total assets | 91.1982% | 458 |
| Equity capital to assets | 8.5646% | 5,667 |
| Core capital (leverage) ratio | 8.5788% | 5,688 |
| Tier 1 risk-based capital ratio | 19.3173% | 1,902 |
| Total risk-based capital ratio | 20.5723% | 1,868 |
| Memoranda: | ||
| Average total assets | $65,967,750 | 5,652 |
| Average earning assets | $58,018,500 | 5,715 |
| Average equity | $5,827,000 | 5,927 |
| Average total loans | $25,840,750 | 5,996 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6453% | 6,683 |
| Cost of funding earning assets | 0.0736% | 6,863 |
| Net interest margin | 2.5717% | 6,358 |
| Noninterest income to average assets | 1.5308% | 666 |
| Noninterest expense to average assets | 3.5556% | 1,490 |
| Loan and lease loss provision to assets | 0.0736% | 3,568 |
| Net operating income to assets | 0.1503% | 6,026 |
| Return on assets (ROA) | 0.1503% | 6,132 |
| Pretax return on assets | 0.1534% | 6,156 |
| Return on Equity (ROE) | 1.6839% | 6,042 |
| Retained earnings to average equity (ytd only) | 1.6839% | 5,175 |
| Net charge-offs to loans | 0.1964% | 2,585 |
| Credit loss provision to net charge-offs | 96.0000% | 2,320 |
| Earnings coverage of net charge-offs (x) | 2.9600% | 3,544 |
| Efficiency ratio | 93.9984% | 762 |
| Assets per employee ($millions) | 2.3771% | 6,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0576% | 1,724 |
| Loan loss allowance to noncurrent loans | 73.3882% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 1.0953% | 3,542 |
| Noncurrent loans to loans | 2.8037% | 1,617 |
| Net loans and leases to total assets | 38.2614% | 6,165 |
| Net loans and leases to deposits | 41.9933% | 6,330 |
| Net loans and leases to core deposits | 42.1804% | 6,398 |
| Total domestic deposits to total assets | 91.1130% | 509 |
| Equity capital to assets | 8.7037% | 5,543 |
| Core capital (leverage) ratio | 8.8929% | 5,158 |
| Tier 1 risk-based capital ratio | 19.7008% | 1,797 |
| Total risk-based capital ratio | 20.9590% | 1,771 |
| Memoranda: | ||
| Average total assets | $65,192,670 | 5,721 |
| Average earning assets | $57,082,000 | 5,776 |
| Average equity | $5,819,670 | 5,969 |
| Average total loans | $25,463,000 | 6,046 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6320% | 6,770 |
| Cost of funding earning assets | 0.0780% | 6,940 |
| Net interest margin | 2.5540% | 6,436 |
| Noninterest income to average assets | 1.6494% | 572 |
| Noninterest expense to average assets | 3.6273% | 1,371 |
| Loan and lease loss provision to assets | 0.1302% | 2,617 |
| Net operating income to assets | 0.1240% | 6,103 |
| Return on assets (ROA) | 0.1240% | 6,193 |
| Pretax return on assets | 0.1240% | 6,216 |
| Return on Equity (ROE) | 1.3715% | 6,126 |
| Retained earnings to average equity (ytd only) | 1.3715% | 5,293 |
| Net charge-offs to loans | 0.3175% | 1,696 |
| Credit loss provision to net charge-offs | 105.0000% | 1,758 |
| Earnings coverage of net charge-offs (x) | 2.0500% | 3,149 |
| Efficiency ratio | 93.4505% | 878 |
| Assets per employee ($millions) | 2.4941% | 6,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1443% | 1,701 |
| Loan loss allowance to noncurrent loans | 68.0203% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 1.2638% | 3,454 |
| Noncurrent loans to loans | 3.1525% | 1,568 |
| Net loans and leases to total assets | 39.2289% | 6,060 |
| Net loans and leases to deposits | 43.3434% | 6,246 |
| Net loans and leases to core deposits | 43.5503% | 6,336 |
| Total domestic deposits to total assets | 90.5071% | 763 |
| Equity capital to assets | 9.3630% | 5,039 |
| Core capital (leverage) ratio | 8.9392% | 4,986 |
| Tier 1 risk-based capital ratio | 20.6395% | 1,628 |
| Total risk-based capital ratio | 21.8952% | 1,595 |
| Memoranda: | ||
| Average total assets | $64,510,000 | 5,791 |
| Average earning assets | $56,382,000 | 5,842 |
| Average equity | $5,833,000 | 6,023 |
| Average total loans | $25,194,000 | 6,111 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8380% | 6,842 |
| Cost of funding earning assets | 0.1042% | 6,991 |
| Net interest margin | 2.7338% | 6,475 |
| Noninterest income to average assets | 1.5971% | 623 |
| Noninterest expense to average assets | 3.8512% | 1,164 |
| Loan and lease loss provision to assets | 0.1908% | 3,255 |
| Net operating income to assets | -0.0626% | 6,249 |
| Return on assets (ROA) | 0.0892% | 6,170 |
| Pretax return on assets | 0.0907% | 6,173 |
| Return on Equity (ROE) | 0.9809% | 6,138 |
| Retained earnings to average equity (ytd only) | 0.9809% | 5,389 |
| Net charge-offs to loans | 0.6230% | 1,885 |
| Credit loss provision to net charge-offs | 77.2152% | 3,922 |
| Earnings coverage of net charge-offs (x) | 0.5127% | 5,230 |
| Efficiency ratio | 96.8148% | 674 |
| Assets per employee ($millions) | 2.6667% | 6,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1109% | 1,741 |
| Loan loss allowance to noncurrent loans | 60.9091% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 1.7280% | 2,805 |
| Noncurrent loans to loans | 3.4657% | 1,444 |
| Net loans and leases to total assets | 37.2833% | 6,351 |
| Net loans and leases to deposits | 40.8883% | 6,511 |
| Net loans and leases to core deposits | 41.0694% | 6,575 |
| Total domestic deposits to total assets | 91.1832% | 437 |
| Equity capital to assets | 8.7418% | 5,808 |
| Core capital (leverage) ratio | 8.9787% | 4,931 |
| Tier 1 risk-based capital ratio | 19.9409% | 1,697 |
| Total risk-based capital ratio | 21.1971% | 1,666 |
| Memoranda: | ||
| Average total assets | $63,927,400 | 5,820 |
| Average earning assets | $55,672,800 | 5,871 |
| Average equity | $5,811,000 | 6,070 |
| Average total loans | $25,362,400 | 6,173 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8448% | 6,957 |
| Cost of funding earning assets | 0.1135% | 7,097 |
| Net interest margin | 2.7313% | 6,603 |
| Noninterest income to average assets | 1.6507% | 556 |
| Noninterest expense to average assets | 3.9972% | 933 |
| Loan and lease loss provision to assets | 0.1307% | 3,916 |
| Net operating income to assets | -0.0907% | 6,398 |
| Return on assets (ROA) | 0.1138% | 6,240 |
| Pretax return on assets | 0.1160% | 6,248 |
| Return on Equity (ROE) | 1.2399% | 6,206 |
| Retained earnings to average equity (ytd only) | 1.2399% | 5,678 |
| Net charge-offs to loans | 0.3891% | 2,537 |
| Credit loss provision to net charge-offs | 83.7838% | 3,504 |
| Earnings coverage of net charge-offs (x) | 0.2433% | 5,207 |
| Efficiency ratio | 99.0596% | 566 |
| Assets per employee ($millions) | 2.4276% | 6,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2954% | 1,526 |
| Loan loss allowance to noncurrent loans | 68.1265% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.4006% | 3,505 |
| Noncurrent loans to loans | 3.3693% | 1,628 |
| Net loans and leases to total assets | 37.7664% | 6,426 |
| Net loans and leases to deposits | 41.7168% | 6,611 |
| Net loans and leases to core deposits | 41.9127% | 6,671 |
| Total domestic deposits to total assets | 90.5303% | 588 |
| Equity capital to assets | 9.2463% | 5,539 |
| Core capital (leverage) ratio | 8.6302% | 5,578 |
| Tier 1 risk-based capital ratio | 20.4757% | 1,638 |
| Total risk-based capital ratio | 21.6904% | 1,614 |
| Memoranda: | ||
| Average total assets | $63,242,250 | 5,908 |
| Average earning assets | $55,211,000 | 5,956 |
| Average equity | $5,806,750 | 6,145 |
| Average total loans | $25,355,000 | 6,254 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7702% | 7,053 |
| Cost of funding earning assets | 0.1159% | 7,162 |
| Net interest margin | 2.6543% | 6,771 |
| Noninterest income to average assets | 1.7098% | 519 |
| Noninterest expense to average assets | 4.0263% | 911 |
| Loan and lease loss provision to assets | 0.1801% | 3,297 |
| Net operating income to assets | -0.1770% | 6,518 |
| Return on assets (ROA) | 0.1296% | 6,256 |
| Pretax return on assets | 0.1327% | 6,256 |
| Return on Equity (ROE) | 1.4145% | 6,213 |
| Retained earnings to average equity (ytd only) | 1.4145% | 5,487 |
| Net charge-offs to loans | 0.5375% | 1,985 |
| Credit loss provision to net charge-offs | 82.6087% | 3,253 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 5,078 |
| Efficiency ratio | 100.0000% | 559 |
| Assets per employee ($millions) | 2.5415% | 6,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1236% | 1,939 |
| Loan loss allowance to noncurrent loans | 33.9394% | 5,973 |
| Noncurrent assets plus other real estate owned to assets | 2.5908% | 2,141 |
| Noncurrent loans to loans | 6.2571% | 687 |
| Net loans and leases to total assets | 39.0587% | 6,400 |
| Net loans and leases to deposits | 42.8980% | 6,607 |
| Net loans and leases to core deposits | 43.9708% | 6,662 |
| Total domestic deposits to total assets | 91.0502% | 430 |
| Equity capital to assets | 8.7803% | 5,937 |
| Core capital (leverage) ratio | 8.7346% | 5,321 |
| Tier 1 risk-based capital ratio | 18.6787% | 2,080 |
| Total risk-based capital ratio | 19.8586% | 2,055 |
| Memoranda: | ||
| Average total assets | $63,284,000 | 5,936 |
| Average earning assets | $55,231,000 | 5,989 |
| Average equity | $5,797,000 | 6,175 |
| Average total loans | $25,674,330 | 6,277 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8193% | 7,104 |
| Cost of funding earning assets | 0.1041% | 7,244 |
| Net interest margin | 2.7151% | 6,750 |
| Noninterest income to average assets | 1.7128% | 509 |
| Noninterest expense to average assets | 3.8975% | 1,069 |
| Loan and lease loss provision to assets | 0.1487% | 3,502 |
| Net operating income to assets | 0.0259% | 6,373 |
| Return on assets (ROA) | 0.0259% | 6,487 |
| Pretax return on assets | 0.0259% | 6,494 |
| Return on Equity (ROE) | 0.2761% | 6,481 |
| Retained earnings to average equity (ytd only) | 0.2761% | 5,898 |
| Net charge-offs to loans | 0.5844% | 1,633 |
| Credit loss provision to net charge-offs | 62.1622% | 3,070 |
| Earnings coverage of net charge-offs (x) | 0.7297% | 3,971 |
| Efficiency ratio | 95.7143% | 734 |
| Assets per employee ($millions) | 2.4168% | 6,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1845% | 1,915 |
| Loan loss allowance to noncurrent loans | 35.6366% | 5,868 |
| Noncurrent assets plus other real estate owned to assets | 2.5860% | 2,290 |
| Noncurrent loans to loans | 6.1299% | 813 |
| Net loans and leases to total assets | 39.6910% | 6,371 |
| Net loans and leases to deposits | 43.7661% | 6,571 |
| Net loans and leases to core deposits | 44.9217% | 6,622 |
| Total domestic deposits to total assets | 90.6888% | 694 |
| Equity capital to assets | 9.2142% | 5,216 |
| Core capital (leverage) ratio | 9.0267% | 4,797 |
| Tier 1 risk-based capital ratio | 18.8934% | 2,025 |
| Total risk-based capital ratio | 20.1504% | 1,982 |
| Memoranda: | ||
| Average total assets | $61,886,000 | 6,014 |
| Average earning assets | $53,772,500 | 6,070 |
| Average equity | $5,794,500 | 6,201 |
| Average total loans | $25,326,500 | 6,346 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0385% | 7,171 |
| Cost of funding earning assets | 0.1566% | 7,277 |
| Net interest margin | 2.8818% | 6,718 |
| Noninterest income to average assets | 1.8573% | 423 |
| Noninterest expense to average assets | 4.2784% | 738 |
| Loan and lease loss provision to assets | 0.0660% | 5,787 |
| Net operating income to assets | 0.0051% | 6,027 |
| Return on assets (ROA) | 0.0051% | 6,153 |
| Pretax return on assets | 0.0051% | 6,123 |
| Return on Equity (ROE) | 0.0528% | 6,148 |
| Retained earnings to average equity (ytd only) | 0.0528% | 5,811 |
| Net charge-offs to loans | 0.3142% | 3,825 |
| Credit loss provision to net charge-offs | 50.6494% | 5,409 |
| Earnings coverage of net charge-offs (x) | 0.5455% | 5,419 |
| Efficiency ratio | 98.3651% | 718 |
| Assets per employee ($millions) | 2.4374% | 6,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2739% | 1,668 |
| Loan loss allowance to noncurrent loans | 80.6770% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 1.2653% | 4,111 |
| Noncurrent loans to loans | 2.8185% | 2,327 |
| Net loans and leases to total assets | 40.3437% | 6,522 |
| Net loans and leases to deposits | 44.6290% | 6,692 |
| Net loans and leases to core deposits | 44.8456% | 6,777 |
| Total domestic deposits to total assets | 90.3978% | 764 |
| Equity capital to assets | 9.5169% | 4,862 |
| Core capital (leverage) ratio | 9.1867% | 4,483 |
| Tier 1 risk-based capital ratio | 16.9924% | 2,610 |
| Total risk-based capital ratio | 18.1846% | 2,594 |
| Memoranda: | ||
| Average total assets | $59,064,000 | 6,073 |
| Average earning assets | $51,078,600 | 6,157 |
| Average equity | $5,686,600 | 6,237 |
| Average total loans | $24,507,600 | 6,446 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0592% | 7,247 |
| Cost of funding earning assets | 0.1708% | 7,348 |
| Net interest margin | 2.8884% | 6,768 |
| Noninterest income to average assets | 1.9182% | 409 |
| Noninterest expense to average assets | 4.2800% | 729 |
| Loan and lease loss provision to assets | 0.0751% | 5,512 |
| Net operating income to assets | 0.0637% | 6,037 |
| Return on assets (ROA) | 0.0637% | 6,148 |
| Pretax return on assets | 0.0637% | 6,143 |
| Return on Equity (ROE) | 0.6597% | 6,141 |
| Retained earnings to average equity (ytd only) | 0.6597% | 5,751 |
| Net charge-offs to loans | 0.3998% | 3,116 |
| Credit loss provision to net charge-offs | 45.2055% | 5,139 |
| Earnings coverage of net charge-offs (x) | 0.8356% | 4,987 |
| Efficiency ratio | 96.8589% | 776 |
| Assets per employee ($millions) | 2.2555% | 7,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3514% | 1,615 |
| Loan loss allowance to noncurrent loans | 76.1015% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.3317% | 4,145 |
| Noncurrent loans to loans | 3.0898% | 2,245 |
| Net loans and leases to total assets | 38.8699% | 6,717 |
| Net loans and leases to deposits | 43.2394% | 6,867 |
| Net loans and leases to core deposits | 43.4506% | 6,937 |
| Total domestic deposits to total assets | 89.8946% | 926 |
| Equity capital to assets | 9.5504% | 5,011 |
| Core capital (leverage) ratio | 9.2984% | 4,457 |
| Tier 1 risk-based capital ratio | 17.5868% | 2,402 |
| Total risk-based capital ratio | 18.8437% | 2,373 |
| Memoranda: | ||
| Average total assets | $58,596,500 | 6,130 |
| Average earning assets | $50,730,750 | 6,211 |
| Average equity | $5,658,500 | 6,289 |
| Average total loans | $24,345,750 | 6,514 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1290% | 7,308 |
| Cost of funding earning assets | 0.1841% | 7,423 |
| Net interest margin | 2.9450% | 6,705 |
| Noninterest income to average assets | 1.9506% | 374 |
| Noninterest expense to average assets | 4.3127% | 737 |
| Loan and lease loss provision to assets | 0.0415% | 5,788 |
| Net operating income to assets | 0.1418% | 5,907 |
| Return on assets (ROA) | 0.1418% | 6,002 |
| Pretax return on assets | 0.1418% | 6,032 |
| Return on Equity (ROE) | 1.4627% | 5,954 |
| Retained earnings to average equity (ytd only) | 1.4627% | 5,254 |
| Net charge-offs to loans | 0.1559% | 4,250 |
| Credit loss provision to net charge-offs | 63.1579% | 4,266 |
| Earnings coverage of net charge-offs (x) | 2.7895% | 3,452 |
| Efficiency ratio | 95.9231% | 883 |
| Assets per employee ($millions) | 1.9038% | 7,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5063% | 1,439 |
| Loan loss allowance to noncurrent loans | 84.1004% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 1.2554% | 4,384 |
| Noncurrent loans to loans | 2.9802% | 2,438 |
| Net loans and leases to total assets | 41.0687% | 6,661 |
| Net loans and leases to deposits | 46.0789% | 6,828 |
| Net loans and leases to core deposits | 46.3209% | 6,918 |
| Total domestic deposits to total assets | 89.1270% | 1,462 |
| Equity capital to assets | 9.9748% | 4,187 |
| Core capital (leverage) ratio | 8.9874% | 4,745 |
| Tier 1 risk-based capital ratio | 18.1924% | 2,106 |
| Total risk-based capital ratio | 19.3793% | 2,084 |
| Memoranda: | ||
| Average total assets | $57,829,330 | 6,211 |
| Average earning assets | $49,983,670 | 6,297 |
| Average equity | $5,606,000 | 6,342 |
| Average total loans | $24,380,670 | 6,568 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0584% | 7,385 |
| Cost of funding earning assets | 0.1748% | 7,492 |
| Net interest margin | 2.8836% | 6,785 |
| Noninterest income to average assets | 1.8698% | 402 |
| Noninterest expense to average assets | 4.3377% | 697 |
| Loan and lease loss provision to assets | 0.0069% | 5,794 |
| Net operating income to assets | 0.0206% | 6,307 |
| Return on assets (ROA) | 0.0206% | 6,341 |
| Pretax return on assets | 0.0206% | 6,327 |
| Return on Equity (ROE) | 0.2158% | 6,338 |
| Retained earnings to average equity (ytd only) | 0.2158% | 5,726 |
| Net charge-offs to loans | 0.1467% | 3,609 |
| Credit loss provision to net charge-offs | 11.1111% | 4,370 |
| Earnings coverage of net charge-offs (x) | 0.4444% | 4,288 |
| Efficiency ratio | 99.3701% | 775 |
| Assets per employee ($millions) | 1.9776% | 7,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4205% | 1,580 |
| Loan loss allowance to noncurrent loans | 57.3333% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 1.7698% | 3,615 |
| Noncurrent loans to loans | 4.2218% | 1,692 |
| Net loans and leases to total assets | 40.9058% | 6,708 |
| Net loans and leases to deposits | 45.5115% | 6,877 |
| Net loans and leases to core deposits | 45.7388% | 6,980 |
| Total domestic deposits to total assets | 89.8802% | 1,226 |
| Equity capital to assets | 9.3529% | 4,646 |
| Core capital (leverage) ratio | 9.7814% | 3,409 |
| Tier 1 risk-based capital ratio | 17.3307% | 2,368 |
| Total risk-based capital ratio | 18.5220% | 2,361 |
| Memoranda: | ||
| Average total assets | $58,187,000 | 6,251 |
| Average earning assets | $50,353,000 | 6,329 |
| Average equity | $5,560,500 | 6,377 |
| Average total loans | $24,541,500 | 6,610 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3332% | 7,437 |
| Cost of funding earning assets | 0.2134% | 7,546 |
| Net interest margin | 3.1198% | 6,466 |
| Noninterest income to average assets | 1.9067% | 428 |
| Noninterest expense to average assets | 4.7034% | 544 |
| Loan and lease loss provision to assets | 0.4592% | 3,373 |
| Net operating income to assets | -0.5823% | 6,438 |
| Return on assets (ROA) | -0.5823% | 6,468 |
| Pretax return on assets | -0.5807% | 6,381 |
| Return on Equity (ROE) | -6.0703% | 6,500 |
| Retained earnings to average equity (ytd only) | -6.0703% | 6,388 |
| Net charge-offs to loans | 0.6364% | 3,112 |
| Credit loss provision to net charge-offs | 165.2695% | 2,078 |
| Earnings coverage of net charge-offs (x) | -0.4371% | 6,424 |
| Efficiency ratio | 102.6507% | 703 |
| Assets per employee ($millions) | 1.9015% | 7,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5194% | 1,391 |
| Loan loss allowance to noncurrent loans | 130.6210% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.8187% | 5,363 |
| Noncurrent loans to loans | 1.9288% | 3,657 |
| Net loans and leases to total assets | 41.3744% | 6,880 |
| Net loans and leases to deposits | 46.3102% | 7,030 |
| Net loans and leases to core deposits | 46.5523% | 7,122 |
| Total domestic deposits to total assets | 89.3417% | 1,474 |
| Equity capital to assets | 9.7677% | 4,036 |
| Core capital (leverage) ratio | 9.7669% | 3,357 |
| Tier 1 risk-based capital ratio | 16.8666% | 2,400 |
| Total risk-based capital ratio | 18.1234% | 2,362 |
| Memoranda: | ||
| Average total assets | $60,105,000 | 6,197 |
| Average earning assets | $51,541,800 | 6,309 |
| Average equity | $5,765,800 | 6,442 |
| Average total loans | $26,240,600 | 6,600 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3835% | 7,565 |
| Cost of funding earning assets | 0.2274% | 7,664 |
| Net interest margin | 3.1561% | 6,466 |
| Noninterest income to average assets | 1.8838% | 414 |
| Noninterest expense to average assets | 4.6634% | 507 |
| Loan and lease loss provision to assets | 0.6046% | 2,521 |
| Net operating income to assets | -0.6812% | 6,720 |
| Return on assets (ROA) | -0.6812% | 6,767 |
| Pretax return on assets | -0.6790% | 6,665 |
| Return on Equity (ROE) | -7.1318% | 6,794 |
| Retained earnings to average equity (ytd only) | -7.1318% | 6,722 |
| Net charge-offs to loans | 0.8125% | 2,420 |
| Credit loss provision to net charge-offs | 169.3252% | 2,195 |
| Earnings coverage of net charge-offs (x) | -0.2086% | 6,179 |
| Efficiency ratio | 101.6229% | 694 |
| Assets per employee ($millions) | 2.0169% | 7,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4787% | 1,361 |
| Loan loss allowance to noncurrent loans | 134.9451% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.7779% | 5,551 |
| Noncurrent loans to loans | 1.8368% | 3,882 |
| Net loans and leases to total assets | 41.3018% | 7,009 |
| Net loans and leases to deposits | 46.1593% | 7,169 |
| Net loans and leases to core deposits | 46.1593% | 7,265 |
| Total domestic deposits to total assets | 89.4767% | 1,138 |
| Equity capital to assets | 9.5967% | 4,700 |
| Core capital (leverage) ratio | 9.1443% | 4,466 |
| Tier 1 risk-based capital ratio | 16.5350% | 2,546 |
| Total risk-based capital ratio | 17.7908% | 2,500 |
| Memoranda: | ||
| Average total assets | $60,870,000 | 6,238 |
| Average earning assets | $52,172,750 | 6,364 |
| Average equity | $5,814,250 | 6,508 |
| Average total loans | $26,747,750 | 6,660 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3478% | 7,647 |
| Cost of funding earning assets | 0.2353% | 7,736 |
| Net interest margin | 3.1124% | 6,571 |
| Noninterest income to average assets | 2.1277% | 322 |
| Noninterest expense to average assets | 4.4402% | 616 |
| Loan and lease loss provision to assets | 0.8433% | 1,723 |
| Net operating income to assets | -0.4995% | 6,651 |
| Return on assets (ROA) | -0.4995% | 6,693 |
| Pretax return on assets | -0.4962% | 6,582 |
| Return on Equity (ROE) | -5.2369% | 6,716 |
| Retained earnings to average equity (ytd only) | -5.2369% | 6,579 |
| Net charge-offs to loans | 1.7295% | 1,082 |
| Credit loss provision to net charge-offs | 109.7046% | 3,715 |
| Earnings coverage of net charge-offs (x) | 0.4515% | 5,262 |
| Efficiency ratio | 92.7507% | 1,142 |
| Assets per employee ($millions) | 1.9476% | 7,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0097% | 2,149 |
| Loan loss allowance to noncurrent loans | 118.5520% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 1.2621% | 4,622 |
| Noncurrent loans to loans | 1.6952% | 4,146 |
| Net loans and leases to total assets | 42.3158% | 7,025 |
| Net loans and leases to deposits | 46.8884% | 7,212 |
| Net loans and leases to core deposits | 46.8884% | 7,323 |
| Total domestic deposits to total assets | 90.2479% | 793 |
| Equity capital to assets | 9.5566% | 4,622 |
| Core capital (leverage) ratio | 8.9615% | 4,669 |
| Tier 1 risk-based capital ratio | 15.9206% | 2,710 |
| Total risk-based capital ratio | 17.1743% | 2,672 |
| Memoranda: | ||
| Average total assets | $61,663,670 | 6,246 |
| Average earning assets | $52,692,000 | 6,379 |
| Average equity | $5,881,330 | 6,501 |
| Average total loans | $27,406,670 | 6,668 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4017% | 7,733 |
| Cost of funding earning assets | 0.2398% | 7,844 |
| Net interest margin | 3.1619% | 6,413 |
| Noninterest income to average assets | 2.0672% | 329 |
| Noninterest expense to average assets | 4.2756% | 737 |
| Loan and lease loss provision to assets | 0.3531% | 3,263 |
| Net operating income to assets | 0.1477% | 5,868 |
| Return on assets (ROA) | 0.1477% | 5,992 |
| Pretax return on assets | 0.1477% | 6,025 |
| Return on Equity (ROE) | 1.5496% | 5,942 |
| Retained earnings to average equity (ytd only) | 1.5496% | 5,168 |
| Net charge-offs to loans | 2.0803% | 818 |
| Credit loss provision to net charge-offs | 37.6712% | 4,675 |
| Earnings coverage of net charge-offs (x) | 0.5342% | 4,557 |
| Efficiency ratio | 89.5161% | 1,470 |
| Assets per employee ($millions) | 1.8757% | 7,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4907% | 3,952 |
| Loan loss allowance to noncurrent loans | 51.5723% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 2.7857% | 2,610 |
| Noncurrent loans to loans | 2.8906% | 2,791 |
| Net loans and leases to total assets | 45.1392% | 6,897 |
| Net loans and leases to deposits | 50.9315% | 7,086 |
| Net loans and leases to core deposits | 50.9315% | 7,246 |
| Total domestic deposits to total assets | 88.6273% | 1,718 |
| Equity capital to assets | 9.9032% | 3,987 |
| Core capital (leverage) ratio | 9.9156% | 3,269 |
| Tier 1 risk-based capital ratio | 15.7671% | 2,744 |
| Total risk-based capital ratio | 16.8551% | 2,771 |
| Memoranda: | ||
| Average total assets | $62,307,000 | 6,296 |
| Average earning assets | $53,385,000 | 6,418 |
| Average equity | $5,937,000 | 6,542 |
| Average total loans | $28,073,500 | 6,713 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3257% | 7,540 |
| Cost of funding earning assets | 0.4336% | 7,863 |
| Net interest margin | 3.8921% | 3,298 |
| Noninterest income to average assets | 2.3705% | 296 |
| Noninterest expense to average assets | 4.4313% | 852 |
| Loan and lease loss provision to assets | 1.1004% | 2,073 |
| Net operating income to assets | 0.0148% | 5,446 |
| Return on assets (ROA) | 0.0148% | 5,490 |
| Pretax return on assets | 0.0181% | 5,398 |
| Return on Equity (ROE) | 0.1570% | 5,489 |
| Retained earnings to average equity (ytd only) | -1.4305% | 5,375 |
| Net charge-offs to loans | 1.6175% | 1,562 |
| Credit loss provision to net charge-offs | 136.8852% | 3,602 |
| Earnings coverage of net charge-offs (x) | 1.3914% | 4,745 |
| Efficiency ratio | 79.8457% | 2,912 |
| Assets per employee ($millions) | 2.0185% | 7,720 |
| Cash dividends to net income (ytd only)* | 1,011.1111% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7491% | 2,715 |
| Loan loss allowance to noncurrent loans | 117.6056% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 2.1736% | 3,164 |
| Noncurrent loans to loans | 1.4872% | 4,441 |
| Net loans and leases to total assets | 43.5697% | 7,143 |
| Net loans and leases to deposits | 48.7713% | 7,326 |
| Net loans and leases to core deposits | 50.8952% | 7,563 |
| Total domestic deposits to total assets | 89.3348% | 1,309 |
| Equity capital to assets | 9.1806% | 4,870 |
| Core capital (leverage) ratio | 9.7664% | 3,372 |
| Tier 1 risk-based capital ratio | 14.9115% | 2,992 |
| Total risk-based capital ratio | 16.1381% | 2,952 |
| Memoranda: | ||
| Average total assets | $60,705,200 | 6,320 |
| Average earning assets | $49,587,200 | 6,540 |
| Average equity | $5,732,200 | 6,704 |
| Average total loans | $30,170,200 | 6,615 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5400% | 7,467 |
| Cost of funding earning assets | 0.4931% | 7,944 |
| Net interest margin | 4.0470% | 2,608 |
| Noninterest income to average assets | 2.1964% | 322 |
| Noninterest expense to average assets | 4.5423% | 710 |
| Loan and lease loss provision to assets | 1.0870% | 1,797 |
| Net operating income to assets | -0.1763% | 6,020 |
| Return on assets (ROA) | -0.1763% | 6,036 |
| Pretax return on assets | -0.1719% | 5,937 |
| Return on Equity (ROE) | -1.8535% | 6,078 |
| Retained earnings to average equity (ytd only) | -3.9886% | 6,109 |
| Net charge-offs to loans | 1.9856% | 995 |
| Credit loss provision to net charge-offs | 107.0330% | 4,750 |
| Earnings coverage of net charge-offs (x) | 0.9011% | 5,154 |
| Efficiency ratio | 83.2311% | 2,403 |
| Assets per employee ($millions) | 2.0921% | 7,722 |
| Cash dividends to net income (ytd only)* | -115.1904% | 8,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 5,178 |
| Loan loss allowance to noncurrent loans | 55.3991% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 1.0532% | 4,972 |
| Noncurrent loans to loans | 2.1446% | 3,451 |
| Net loans and leases to total assets | 48.5265% | 6,906 |
| Net loans and leases to deposits | 53.8836% | 7,222 |
| Net loans and leases to core deposits | 56.6530% | 7,525 |
| Total domestic deposits to total assets | 90.0580% | 748 |
| Equity capital to assets | 9.6305% | 4,581 |
| Core capital (leverage) ratio | 9.5366% | 3,861 |
| Tier 1 risk-based capital ratio | 14.9320% | 3,071 |
| Total risk-based capital ratio | 15.8384% | 3,175 |
| Memoranda: | ||
| Average total assets | $59,733,250 | 6,401 |
| Average earning assets | $48,133,750 | 6,640 |
| Average equity | $5,682,750 | 6,787 |
| Average total loans | $30,551,750 | 6,652 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6315% | 7,485 |
| Cost of funding earning assets | 0.5361% | 8,027 |
| Net interest margin | 4.0954% | 2,336 |
| Noninterest income to average assets | 2.2046% | 322 |
| Noninterest expense to average assets | 4.7122% | 635 |
| Loan and lease loss provision to assets | 1.0737% | 1,591 |
| Net operating income to assets | -0.2423% | 6,253 |
| Return on assets (ROA) | -0.2423% | 6,267 |
| Pretax return on assets | -0.2390% | 6,165 |
| Return on Equity (ROE) | -2.5580% | 6,303 |
| Retained earnings to average equity (ytd only) | -5.7911% | 6,417 |
| Net charge-offs to loans | 1.8699% | 1,006 |
| Credit loss provision to net charge-offs | 110.7639% | 4,181 |
| Earnings coverage of net charge-offs (x) | 0.8611% | 4,890 |
| Efficiency ratio | 84.9515% | 2,369 |
| Assets per employee ($millions) | 2.0743% | 7,798 |
| Cash dividends to net income (ytd only)* | -126.3889% | 8,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 5,229 |
| Loan loss allowance to noncurrent loans | 25.1957% | 6,833 |
| Noncurrent assets plus other real estate owned to assets | 2.3356% | 2,785 |
| Noncurrent loans to loans | 4.5891% | 1,392 |
| Net loans and leases to total assets | 50.3067% | 6,840 |
| Net loans and leases to deposits | 56.0304% | 7,163 |
| Net loans and leases to core deposits | 61.2554% | 7,401 |
| Total domestic deposits to total assets | 89.7847% | 919 |
| Equity capital to assets | 9.7216% | 4,318 |
| Core capital (leverage) ratio | 9.7728% | 3,552 |
| Tier 1 risk-based capital ratio | 14.5837% | 3,198 |
| Total risk-based capital ratio | 15.4680% | 3,327 |
| Memoranda: | ||
| Average total assets | $59,420,330 | 6,467 |
| Average earning assets | $48,494,000 | 6,692 |
| Average equity | $5,629,330 | 6,855 |
| Average total loans | $30,803,670 | 6,687 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6409% | 7,584 |
| Cost of funding earning assets | 0.5638% | 8,073 |
| Net interest margin | 4.0772% | 2,367 |
| Noninterest income to average assets | 2.1608% | 320 |
| Noninterest expense to average assets | 4.9989% | 490 |
| Loan and lease loss provision to assets | 1.8560% | 662 |
| Net operating income to assets | -1.3208% | 7,423 |
| Return on assets (ROA) | -1.3208% | 7,436 |
| Pretax return on assets | -1.3141% | 7,305 |
| Return on Equity (ROE) | -14.1304% | 7,568 |
| Retained earnings to average equity (ytd only) | -17.3188% | 7,552 |
| Net charge-offs to loans | 2.5763% | 533 |
| Credit loss provision to net charge-offs | 137.6884% | 2,948 |
| Earnings coverage of net charge-offs (x) | 0.4020% | 4,664 |
| Efficiency ratio | 90.2200% | 1,706 |
| Assets per employee ($millions) | 1.9987% | 7,903 |
| Cash dividends to net income (ytd only)* | -22.5641% | 8,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 4,191 |
| Loan loss allowance to noncurrent loans | 38.0497% | 6,008 |
| Noncurrent assets plus other real estate owned to assets | 1.8047% | 3,208 |
| Noncurrent loans to loans | 3.3659% | 1,908 |
| Net loans and leases to total assets | 52.9287% | 6,586 |
| Net loans and leases to deposits | 58.7791% | 6,987 |
| Net loans and leases to core deposits | 63.9551% | 7,320 |
| Total domestic deposits to total assets | 90.0468% | 781 |
| Equity capital to assets | 9.2821% | 4,964 |
| Core capital (leverage) ratio | 9.1878% | 4,426 |
| Tier 1 risk-based capital ratio | 13.2983% | 3,997 |
| Total risk-based capital ratio | 14.2854% | 4,082 |
| Memoranda: | ||
| Average total assets | $59,053,000 | 6,505 |
| Average earning assets | $48,955,500 | 6,711 |
| Average equity | $5,520,000 | 6,940 |
| Average total loans | $30,897,500 | 6,710 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3457% | 7,545 |
| Cost of funding earning assets | 0.9285% | 8,083 |
| Net interest margin | 4.4172% | 1,634 |
| Noninterest income to average assets | 2.1331% | 313 |
| Noninterest expense to average assets | 5.1500% | 590 |
| Loan and lease loss provision to assets | 0.2789% | 4,162 |
| Net operating income to assets | 0.4175% | 5,084 |
| Return on assets (ROA) | 0.6034% | 4,150 |
| Pretax return on assets | 0.5985% | 4,699 |
| Return on Equity (ROE) | 6.4285% | 3,786 |
| Retained earnings to average equity (ytd only) | 3.0579% | 3,259 |
| Net charge-offs to loans | 0.5356% | 2,222 |
| Credit loss provision to net charge-offs | 104.9080% | 5,098 |
| Earnings coverage of net charge-offs (x) | 2.6012% | 4,788 |
| Efficiency ratio | 88.1630% | 1,666 |
| Assets per employee ($millions) | 2.0740% | 7,847 |
| Cash dividends to net income (ytd only)* | 52.4324% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 5,644 |
| Loan loss allowance to noncurrent loans | 101.8987% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.5254% | 5,605 |
| Noncurrent loans to loans | 1.0287% | 4,529 |
| Net loans and leases to total assets | 50.5395% | 6,980 |
| Net loans and leases to deposits | 56.8402% | 7,272 |
| Net loans and leases to core deposits | 62.4245% | 7,501 |
| Total domestic deposits to total assets | 88.9151% | 1,081 |
| Equity capital to assets | 9.4106% | 4,809 |
| Core capital (leverage) ratio | 9.3035% | 4,290 |
| Tier 1 risk-based capital ratio | 13.7290% | 3,678 |
| Total risk-based capital ratio | 14.5182% | 3,863 |
| Memoranda: | ||
| Average total assets | $61,319,800 | 6,344 |
| Average earning assets | $51,480,600 | 6,526 |
| Average equity | $5,755,600 | 6,897 |
| Average total loans | $30,431,200 | 6,682 |