Home > Georgia Heritage Bank > Performance and Condition Ratios
Georgia Heritage Bank, Performance and Condition Ratios
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8713% | 173 |
| Cost of funding earning assets | 0.3538% | 4,050 |
| Net interest margin | 5.5175% | 107 |
| Noninterest income to average assets | 1.4776% | 439 |
| Noninterest expense to average assets | 3.3007% | 1,319 |
| Loan and lease loss provision to assets | 0.0021% | 3,760 |
| Net operating income to assets | 2.1834% | 267 |
| Return on assets (ROA) | 2.1834% | 259 |
| Pretax return on assets | 2.9297% | 122 |
| Return on Equity (ROE) | 17.7444% | 448 |
| Retained earnings to average equity (ytd only) | 17.7444% | 101 |
| Net charge-offs to loans | 0.0031% | 3,077 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 1,375.0000% | 54 |
| Efficiency ratio | 52.9593% | 4,789 |
| Assets per employee ($millions) | 6.2899% | 1,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0981% | 3,276 |
| Loan loss allowance to noncurrent loans | 107.4180% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 3.3843% | 194 |
| Noncurrent loans to loans | 1.0222% | 1,723 |
| Net loans and leases to total assets | 71.8849% | 2,296 |
| Net loans and leases to deposits | 84.7171% | 2,455 |
| Net loans and leases to core deposits | 86.6513% | 2,855 |
| Total domestic deposits to total assets | 84.8529% | 2,726 |
| Equity capital to assets | 12.7644% | 1,410 |
| Core capital (leverage) ratio | 10.3493% | 3,184 |
| Tier 1 risk-based capital ratio | 12.9088% | 3,946 |
| Total risk-based capital ratio | 13.9624% | 3,964 |
| Memoranda: | ||
| Average total assets | $93,798,670 | 4,283 |
| Average earning assets | $80,834,000 | 4,386 |
| Average equity | $11,541,670 | 4,147 |
| Average total loans | $65,475,330 | 4,034 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8272% | 173 |
| Cost of funding earning assets | 0.3472% | 4,016 |
| Net interest margin | 5.4800% | 111 |
| Noninterest income to average assets | 1.1035% | 760 |
| Noninterest expense to average assets | 3.1222% | 1,764 |
| Loan and lease loss provision to assets | 0.0043% | 3,454 |
| Net operating income to assets | 2.0145% | 364 |
| Return on assets (ROA) | 2.0145% | 364 |
| Pretax return on assets | 2.7030% | 155 |
| Return on Equity (ROE) | 16.6859% | 537 |
| Retained earnings to average equity (ytd only) | 16.6859% | 206 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5583% | 4,838 |
| Assets per employee ($millions) | 5.1300% | 2,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 3,053 |
| Loan loss allowance to noncurrent loans | 202.1448% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 3.4254% | 210 |
| Noncurrent loans to loans | 0.5728% | 2,824 |
| Net loans and leases to total assets | 69.7098% | 2,528 |
| Net loans and leases to deposits | 82.7484% | 2,523 |
| Net loans and leases to core deposits | 85.2809% | 2,864 |
| Total domestic deposits to total assets | 84.2430% | 3,219 |
| Equity capital to assets | 12.4507% | 1,508 |
| Core capital (leverage) ratio | 9.6857% | 3,865 |
| Tier 1 risk-based capital ratio | 12.4076% | 4,302 |
| Total risk-based capital ratio | 13.5073% | 4,298 |
| Memoranda: | ||
| Average total assets | $93,524,000 | 4,338 |
| Average earning assets | $80,656,500 | 4,439 |
| Average equity | $11,291,000 | 4,228 |
| Average total loans | $63,925,500 | 4,103 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7043% | 195 |
| Cost of funding earning assets | 0.3790% | 3,431 |
| Net interest margin | 5.3253% | 139 |
| Noninterest income to average assets | 0.4713% | 3,180 |
| Noninterest expense to average assets | 3.0220% | 2,105 |
| Loan and lease loss provision to assets | 0.1051% | 2,132 |
| Net operating income to assets | 4.9738% | 33 |
| Return on assets (ROA) | 4.9738% | 33 |
| Pretax return on assets | 2.0286% | 458 |
| Return on Equity (ROE) | 54.3924% | 10 |
| Retained earnings to average equity (ytd only) | 54.3924% | 4 |
| Net charge-offs to loans | 0.4961% | 479 |
| Credit loss provision to net charge-offs | 30.8970% | 3,528 |
| Earnings coverage of net charge-offs (x) | 6.2724% | 3,202 |
| Efficiency ratio | 58.6146% | 4,459 |
| Assets per employee ($millions) | 5.5711% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 2,771 |
| Loan loss allowance to noncurrent loans | 125.5000% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 3.3482% | 208 |
| Noncurrent loans to loans | 0.9565% | 1,851 |
| Net loans and leases to total assets | 65.4369% | 3,166 |
| Net loans and leases to deposits | 77.2127% | 3,201 |
| Net loans and leases to core deposits | 79.8099% | 3,437 |
| Total domestic deposits to total assets | 84.7489% | 2,926 |
| Equity capital to assets | 11.7044% | 2,029 |
| Core capital (leverage) ratio | 9.0427% | 4,593 |
| Tier 1 risk-based capital ratio | 11.8522% | 4,625 |
| Total risk-based capital ratio | 12.9854% | 4,578 |
| Memoranda: | ||
| Average total assets | $88,483,000 | 4,454 |
| Average earning assets | $77,836,200 | 4,501 |
| Average equity | $8,091,200 | 4,772 |
| Average total loans | $60,678,000 | 4,187 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6826% | 199 |
| Cost of funding earning assets | 0.3778% | 3,393 |
| Net interest margin | 5.3048% | 141 |
| Noninterest income to average assets | 0.4080% | 3,631 |
| Noninterest expense to average assets | 3.0876% | 1,840 |
| Loan and lease loss provision to assets | 0.0951% | 2,197 |
| Net operating income to assets | 1.9203% | 371 |
| Return on assets (ROA) | 1.9203% | 374 |
| Pretax return on assets | 1.9203% | 653 |
| Return on Equity (ROE) | 22.7339% | 111 |
| Retained earnings to average equity (ytd only) | 22.7339% | 35 |
| Net charge-offs to loans | 0.6648% | 294 |
| Credit loss provision to net charge-offs | 20.6667% | 3,152 |
| Earnings coverage of net charge-offs (x) | 4.3800% | 3,237 |
| Efficiency ratio | 60.5050% | 4,130 |
| Assets per employee ($millions) | 5.1563% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 3,019 |
| Loan loss allowance to noncurrent loans | 184.6547% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 3.2732% | 259 |
| Noncurrent loans to loans | 0.6414% | 2,790 |
| Net loans and leases to total assets | 64.9058% | 3,263 |
| Net loans and leases to deposits | 73.8356% | 3,590 |
| Net loans and leases to core deposits | 75.7930% | 3,816 |
| Total domestic deposits to total assets | 87.9058% | 1,416 |
| Equity capital to assets | 8.6098% | 5,220 |
| Core capital (leverage) ratio | 8.8853% | 4,879 |
| Tier 1 risk-based capital ratio | 12.3808% | 4,392 |
| Total risk-based capital ratio | 13.5211% | 4,351 |
| Memoranda: | ||
| Average total assets | $86,926,750 | 4,515 |
| Average earning assets | $76,934,500 | 4,566 |
| Average equity | $7,342,750 | 4,938 |
| Average total loans | $60,165,750 | 4,237 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7180% | 183 |
| Cost of funding earning assets | 0.3796% | 3,296 |
| Net interest margin | 5.3384% | 133 |
| Noninterest income to average assets | 0.5108% | 2,955 |
| Noninterest expense to average assets | 3.1896% | 1,601 |
| Loan and lease loss provision to assets | 0.0024% | 3,849 |
| Net operating income to assets | 2.0197% | 298 |
| Return on assets (ROA) | 2.0197% | 306 |
| Pretax return on assets | 2.0197% | 512 |
| Return on Equity (ROE) | 24.0786% | 91 |
| Retained earnings to average equity (ytd only) | 24.0786% | 34 |
| Net charge-offs to loans | -0.0033% | 4,248 |
| Credit loss provision to net charge-offs | -100.0000% | 4,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2014% | 4,133 |
| Assets per employee ($millions) | 4.8662% | 2,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5389% | 1,438 |
| Loan loss allowance to noncurrent loans | 137.5714% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 3.8211% | 186 |
| Noncurrent loans to loans | 1.1186% | 1,755 |
| Net loans and leases to total assets | 70.3443% | 2,475 |
| Net loans and leases to deposits | 80.1175% | 2,896 |
| Net loans and leases to core deposits | 84.3477% | 3,032 |
| Total domestic deposits to total assets | 87.8014% | 1,563 |
| Equity capital to assets | 8.6766% | 5,171 |
| Core capital (leverage) ratio | 8.7462% | 5,006 |
| Tier 1 risk-based capital ratio | 11.4788% | 4,965 |
| Total risk-based capital ratio | 12.7321% | 4,861 |
| Memoranda: | ||
| Average total assets | $84,964,670 | 4,571 |
| Average earning assets | $74,816,670 | 4,640 |
| Average equity | $7,126,670 | 5,000 |
| Average total loans | $59,900,000 | 4,267 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6990% | 181 |
| Cost of funding earning assets | 0.3810% | 3,197 |
| Net interest margin | 5.3180% | 132 |
| Noninterest income to average assets | 0.3921% | 3,722 |
| Noninterest expense to average assets | 3.3138% | 1,361 |
| Loan and lease loss provision to assets | 0.0048% | 3,497 |
| Net operating income to assets | 1.7453% | 502 |
| Return on assets (ROA) | 1.7453% | 510 |
| Pretax return on assets | 1.7453% | 909 |
| Return on Equity (ROE) | 21.1901% | 182 |
| Retained earnings to average equity (ytd only) | 21.1901% | 91 |
| Net charge-offs to loans | -0.0068% | 4,282 |
| Credit loss provision to net charge-offs | -100.0000% | 3,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4391% | 3,582 |
| Assets per employee ($millions) | 4.8884% | 2,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5877% | 1,415 |
| Loan loss allowance to noncurrent loans | 135.6841% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 4.2027% | 172 |
| Noncurrent loans to loans | 1.1702% | 1,740 |
| Net loans and leases to total assets | 67.7653% | 2,716 |
| Net loans and leases to deposits | 76.0930% | 3,188 |
| Net loans and leases to core deposits | 80.2898% | 3,267 |
| Total domestic deposits to total assets | 89.0558% | 1,119 |
| Equity capital to assets | 8.0644% | 5,494 |
| Core capital (leverage) ratio | 8.4055% | 5,299 |
| Tier 1 risk-based capital ratio | 10.9836% | 5,321 |
| Total risk-based capital ratio | 12.2379% | 5,230 |
| Memoranda: | ||
| Average total assets | $83,651,000 | 4,645 |
| Average earning assets | $73,486,000 | 4,715 |
| Average equity | $6,890,000 | 5,085 |
| Average total loans | $58,560,500 | 4,333 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4516% | 263 |
| Cost of funding earning assets | 0.3584% | 3,430 |
| Net interest margin | 5.0932% | 211 |
| Noninterest income to average assets | 0.7404% | 1,994 |
| Noninterest expense to average assets | 3.2760% | 1,631 |
| Loan and lease loss provision to assets | 0.7273% | 164 |
| Net operating income to assets | 1.1481% | 1,704 |
| Return on assets (ROA) | 1.1481% | 1,792 |
| Pretax return on assets | 1.1481% | 2,904 |
| Return on Equity (ROE) | 14.0797% | 760 |
| Retained earnings to average equity (ytd only) | 14.0797% | 126 |
| Net charge-offs to loans | 0.6167% | 371 |
| Credit loss provision to net charge-offs | 176.6773% | 1,582 |
| Earnings coverage of net charge-offs (x) | 4.5559% | 3,480 |
| Efficiency ratio | 63.5946% | 4,013 |
| Assets per employee ($millions) | 4.4061% | 3,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 1,139 |
| Loan loss allowance to noncurrent loans | 133.8440% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 4.7648% | 137 |
| Noncurrent loans to loans | 1.2701% | 1,611 |
| Net loans and leases to total assets | 70.0668% | 2,456 |
| Net loans and leases to deposits | 79.0773% | 2,986 |
| Net loans and leases to core deposits | 81.7242% | 3,230 |
| Total domestic deposits to total assets | 88.6055% | 1,322 |
| Equity capital to assets | 8.4277% | 5,324 |
| Core capital (leverage) ratio | 8.4472% | 5,323 |
| Tier 1 risk-based capital ratio | 10.7462% | 5,463 |
| Total risk-based capital ratio | 12.0008% | 5,365 |
| Memoranda: | ||
| Average total assets | $76,037,400 | 4,815 |
| Average earning assets | $65,852,200 | 4,896 |
| Average equity | $6,200,400 | 5,246 |
| Average total loans | $50,752,400 | 4,559 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3533% | 332 |
| Cost of funding earning assets | 0.3650% | 3,384 |
| Net interest margin | 4.9884% | 256 |
| Noninterest income to average assets | 0.8632% | 1,535 |
| Noninterest expense to average assets | 3.3235% | 1,511 |
| Loan and lease loss provision to assets | 0.4307% | 319 |
| Net operating income to assets | 1.4216% | 1,025 |
| Return on assets (ROA) | 1.4216% | 1,076 |
| Pretax return on assets | 1.4216% | 1,960 |
| Return on Equity (ROE) | 17.5888% | 388 |
| Retained earnings to average equity (ytd only) | 17.5888% | 84 |
| Net charge-offs to loans | 0.8491% | 212 |
| Credit loss provision to net charge-offs | 77.3885% | 2,698 |
| Earnings coverage of net charge-offs (x) | 3.3280% | 3,436 |
| Efficiency ratio | 64.2123% | 3,894 |
| Assets per employee ($millions) | 4.6102% | 2,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 3,070 |
| Loan loss allowance to noncurrent loans | 88.4354% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 4.8767% | 153 |
| Noncurrent loans to loans | 1.3901% | 1,585 |
| Net loans and leases to total assets | 66.6365% | 3,013 |
| Net loans and leases to deposits | 76.6279% | 3,335 |
| Net loans and leases to core deposits | 79.2729% | 3,523 |
| Total domestic deposits to total assets | 86.9611% | 1,915 |
| Equity capital to assets | 8.5603% | 5,498 |
| Core capital (leverage) ratio | 8.6123% | 5,248 |
| Tier 1 risk-based capital ratio | 11.1119% | 5,307 |
| Total risk-based capital ratio | 12.2225% | 5,298 |
| Memoranda: | ||
| Average total assets | $75,219,250 | 4,866 |
| Average earning assets | $65,029,500 | 4,959 |
| Average equity | $6,079,500 | 5,321 |
| Average total loans | $49,307,750 | 4,639 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1595% | 454 |
| Cost of funding earning assets | 0.3817% | 3,238 |
| Net interest margin | 4.7778% | 387 |
| Noninterest income to average assets | 1.0058% | 1,102 |
| Noninterest expense to average assets | 3.3222% | 1,548 |
| Loan and lease loss provision to assets | 0.5393% | 231 |
| Net operating income to assets | 1.2620% | 1,385 |
| Return on assets (ROA) | 1.2620% | 1,506 |
| Pretax return on assets | 1.2620% | 2,558 |
| Return on Equity (ROE) | 15.9464% | 553 |
| Retained earnings to average equity (ytd only) | 15.9464% | 122 |
| Net charge-offs to loans | 1.3093% | 122 |
| Credit loss provision to net charge-offs | 63.4921% | 2,538 |
| Earnings coverage of net charge-offs (x) | 2.1206% | 3,321 |
| Efficiency ratio | 64.8421% | 3,871 |
| Assets per employee ($millions) | 4.3818% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 3,165 |
| Loan loss allowance to noncurrent loans | 80.9079% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 5.2168% | 137 |
| Noncurrent loans to loans | 1.5251% | 1,427 |
| Net loans and leases to total assets | 65.1161% | 3,213 |
| Net loans and leases to deposits | 74.7622% | 3,502 |
| Net loans and leases to core deposits | 77.4679% | 3,688 |
| Total domestic deposits to total assets | 87.0976% | 1,865 |
| Equity capital to assets | 8.2266% | 5,725 |
| Core capital (leverage) ratio | 8.2245% | 5,590 |
| Tier 1 risk-based capital ratio | 10.8793% | 5,494 |
| Total risk-based capital ratio | 11.9807% | 5,482 |
| Memoranda: | ||
| Average total assets | $74,168,000 | 4,927 |
| Average earning assets | $63,921,000 | 5,033 |
| Average equity | $5,869,670 | 5,409 |
| Average total loans | $48,118,670 | 4,710 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1735% | 435 |
| Cost of funding earning assets | 0.3897% | 3,190 |
| Net interest margin | 4.7837% | 368 |
| Noninterest income to average assets | 1.4593% | 529 |
| Noninterest expense to average assets | 3.2754% | 1,659 |
| Loan and lease loss provision to assets | 0.8107% | 126 |
| Net operating income to assets | 1.4863% | 881 |
| Return on assets (ROA) | 1.4863% | 921 |
| Pretax return on assets | 1.4863% | 1,636 |
| Return on Equity (ROE) | 19.1621% | 280 |
| Retained earnings to average equity (ytd only) | 19.1621% | 108 |
| Net charge-offs to loans | 2.6458% | 48 |
| Credit loss provision to net charge-offs | 47.6190% | 2,070 |
| Earnings coverage of net charge-offs (x) | 1.3492% | 2,830 |
| Efficiency ratio | 58.7779% | 4,905 |
| Assets per employee ($millions) | 4.6062% | 2,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 3,574 |
| Loan loss allowance to noncurrent loans | 71.0627% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 5.3705% | 146 |
| Noncurrent loans to loans | 1.6676% | 1,355 |
| Net loans and leases to total assets | 62.7946% | 3,415 |
| Net loans and leases to deposits | 71.7070% | 3,678 |
| Net loans and leases to core deposits | 74.3080% | 3,856 |
| Total domestic deposits to total assets | 87.5711% | 1,880 |
| Equity capital to assets | 8.0110% | 5,822 |
| Core capital (leverage) ratio | 8.0300% | 5,755 |
| Tier 1 risk-based capital ratio | 10.8709% | 5,569 |
| Total risk-based capital ratio | 11.9131% | 5,591 |
| Memoranda: | ||
| Average total assets | $74,007,000 | 4,973 |
| Average earning assets | $63,632,500 | 5,085 |
| Average equity | $5,740,500 | 5,464 |
| Average total loans | $47,622,500 | 4,747 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1515% | 470 |
| Cost of funding earning assets | 0.4371% | 2,764 |
| Net interest margin | 4.7144% | 437 |
| Noninterest income to average assets | 0.7011% | 2,195 |
| Noninterest expense to average assets | 3.1932% | 1,982 |
| Loan and lease loss provision to assets | 0.1938% | 1,134 |
| Net operating income to assets | 1.3169% | 1,231 |
| Return on assets (ROA) | 1.3169% | 1,275 |
| Pretax return on assets | 1.3169% | 2,215 |
| Return on Equity (ROE) | 19.3223% | 286 |
| Retained earnings to average equity (ytd only) | 19.3223% | 69 |
| Net charge-offs to loans | 0.0814% | 2,668 |
| Credit loss provision to net charge-offs | 361.5385% | 821 |
| Earnings coverage of net charge-offs (x) | 28.1795% | 1,513 |
| Efficiency ratio | 67.8843% | 3,589 |
| Assets per employee ($millions) | 4.6447% | 2,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4873% | 2,069 |
| Loan loss allowance to noncurrent loans | 150.6276% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 5.1806% | 164 |
| Noncurrent loans to loans | 0.9874% | 2,362 |
| Net loans and leases to total assets | 64.1741% | 3,248 |
| Net loans and leases to deposits | 72.1432% | 3,706 |
| Net loans and leases to core deposits | 74.6946% | 3,876 |
| Total domestic deposits to total assets | 88.9538% | 1,137 |
| Equity capital to assets | 7.5045% | 5,983 |
| Core capital (leverage) ratio | 7.5510% | 5,966 |
| Tier 1 risk-based capital ratio | 10.1497% | 5,911 |
| Total risk-based capital ratio | 11.4014% | 5,840 |
| Memoranda: | ||
| Average total assets | $72,747,800 | 5,022 |
| Average earning assets | $61,768,600 | 5,134 |
| Average equity | $4,958,000 | 5,666 |
| Average total loans | $47,900,400 | 4,729 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1233% | 494 |
| Cost of funding earning assets | 0.4440% | 2,748 |
| Net interest margin | 4.6793% | 470 |
| Noninterest income to average assets | 0.7610% | 1,979 |
| Noninterest expense to average assets | 3.1657% | 2,053 |
| Loan and lease loss provision to assets | 0.0037% | 4,183 |
| Net operating income to assets | 1.5534% | 843 |
| Return on assets (ROA) | 1.5534% | 883 |
| Pretax return on assets | 1.5534% | 1,524 |
| Return on Equity (ROE) | 23.4002% | 152 |
| Retained earnings to average equity (ytd only) | 23.4002% | 52 |
| Net charge-offs to loans | 0.1116% | 2,015 |
| Credit loss provision to net charge-offs | 5.0000% | 3,485 |
| Earnings coverage of net charge-offs (x) | 21.1258% | 1,837 |
| Efficiency ratio | 67.0308% | 3,705 |
| Assets per employee ($millions) | 4.6328% | 2,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 3,699 |
| Loan loss allowance to noncurrent loans | 119.0574% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 5.2708% | 177 |
| Noncurrent loans to loans | 1.0014% | 2,480 |
| Net loans and leases to total assets | 64.9592% | 3,163 |
| Net loans and leases to deposits | 73.9158% | 3,554 |
| Net loans and leases to core deposits | 76.5687% | 3,730 |
| Total domestic deposits to total assets | 87.8826% | 1,624 |
| Equity capital to assets | 7.1514% | 6,128 |
| Core capital (leverage) ratio | 6.9124% | 6,142 |
| Tier 1 risk-based capital ratio | 9.1152% | 6,184 |
| Total risk-based capital ratio | 10.1748% | 6,186 |
| Memoranda: | ||
| Average total assets | $72,356,000 | 5,090 |
| Average earning assets | $61,261,250 | 5,215 |
| Average equity | $4,803,250 | 5,776 |
| Average total loans | $47,772,750 | 4,790 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1009% | 500 |
| Cost of funding earning assets | 0.4496% | 2,732 |
| Net interest margin | 4.6513% | 476 |
| Noninterest income to average assets | 0.8082% | 1,741 |
| Noninterest expense to average assets | 3.1491% | 2,121 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5801% | 778 |
| Return on assets (ROA) | 1.5801% | 808 |
| Pretax return on assets | 1.5801% | 1,390 |
| Return on Equity (ROE) | 24.4537% | 128 |
| Retained earnings to average equity (ytd only) | 24.4537% | 51 |
| Net charge-offs to loans | 0.0801% | 2,251 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 29.8421% | 1,368 |
| Efficiency ratio | 66.5881% | 3,903 |
| Assets per employee ($millions) | 4.5183% | 2,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 3,354 |
| Loan loss allowance to noncurrent loans | 114.7228% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 5.5455% | 178 |
| Noncurrent loans to loans | 1.1150% | 2,422 |
| Net loans and leases to total assets | 64.0518% | 3,258 |
| Net loans and leases to deposits | 71.5345% | 3,759 |
| Net loans and leases to core deposits | 74.1093% | 3,948 |
| Total domestic deposits to total assets | 89.5398% | 880 |
| Equity capital to assets | 6.8471% | 6,213 |
| Core capital (leverage) ratio | 6.5758% | 6,236 |
| Tier 1 risk-based capital ratio | 8.7475% | 6,270 |
| Total risk-based capital ratio | 9.8795% | 6,274 |
| Memoranda: | ||
| Average total assets | $71,766,330 | 5,160 |
| Average earning assets | $60,499,670 | 5,297 |
| Average equity | $4,637,330 | 5,870 |
| Average total loans | $47,453,000 | 4,839 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9780% | 588 |
| Cost of funding earning assets | 0.4507% | 2,761 |
| Net interest margin | 4.5272% | 578 |
| Noninterest income to average assets | 0.7608% | 1,860 |
| Noninterest expense to average assets | 3.0432% | 2,442 |
| Loan and lease loss provision to assets | 0.0056% | 3,634 |
| Net operating income to assets | 1.5328% | 799 |
| Return on assets (ROA) | 1.5328% | 842 |
| Pretax return on assets | 1.5328% | 1,450 |
| Return on Equity (ROE) | 24.4588% | 118 |
| Retained earnings to average equity (ytd only) | 24.4588% | 50 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4225% | 4,074 |
| Assets per employee ($millions) | 4.5288% | 3,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 3,457 |
| Loan loss allowance to noncurrent loans | 121.8075% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 5.7797% | 187 |
| Noncurrent loans to loans | 1.0589% | 2,648 |
| Net loans and leases to total assets | 65.4816% | 2,853 |
| Net loans and leases to deposits | 73.4171% | 3,381 |
| Net loans and leases to core deposits | 76.0555% | 3,590 |
| Total domestic deposits to total assets | 89.1913% | 1,148 |
| Equity capital to assets | 6.4118% | 6,314 |
| Core capital (leverage) ratio | 6.1555% | 6,323 |
| Tier 1 risk-based capital ratio | 7.8159% | 6,357 |
| Total risk-based capital ratio | 8.9417% | 6,359 |
| Memoranda: | ||
| Average total assets | $71,503,000 | 5,219 |
| Average earning assets | $60,346,000 | 5,348 |
| Average equity | $4,481,000 | 5,952 |
| Average total loans | $47,727,000 | 4,861 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0338% | 719 |
| Cost of funding earning assets | 0.4594% | 3,082 |
| Net interest margin | 4.5744% | 648 |
| Noninterest income to average assets | 0.8902% | 1,537 |
| Noninterest expense to average assets | 3.2539% | 2,064 |
| Loan and lease loss provision to assets | 0.0573% | 3,395 |
| Net operating income to assets | 2.2344% | 209 |
| Return on assets (ROA) | 2.2359% | 209 |
| Pretax return on assets | 1.4279% | 1,791 |
| Return on Equity (ROE) | 46.1996% | 17 |
| Retained earnings to average equity (ytd only) | 46.1996% | 8 |
| Net charge-offs to loans | -0.2492% | 6,301 |
| Credit loss provision to net charge-offs | -35.7798% | 5,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6822% | 3,772 |
| Assets per employee ($millions) | 4.7031% | 2,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3063% | 3,385 |
| Loan loss allowance to noncurrent loans | 119.2678% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 6.0528% | 193 |
| Noncurrent loans to loans | 1.0953% | 2,640 |
| Net loans and leases to total assets | 66.2929% | 2,837 |
| Net loans and leases to deposits | 72.7268% | 3,594 |
| Net loans and leases to core deposits | 75.3529% | 3,782 |
| Total domestic deposits to total assets | 91.1533% | 318 |
| Equity capital to assets | 6.1180% | 6,406 |
| Core capital (leverage) ratio | 5.7276% | 6,426 |
| Tier 1 risk-based capital ratio | 7.2277% | 6,463 |
| Total risk-based capital ratio | 8.3611% | 6,463 |
| Memoranda: | ||
| Average total assets | $68,071,200 | 5,342 |
| Average earning assets | $57,252,800 | 5,480 |
| Average equity | $3,294,400 | 6,215 |
| Average total loans | $43,745,200 | 5,045 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0392% | 720 |
| Cost of funding earning assets | 0.4579% | 3,163 |
| Net interest margin | 4.5813% | 641 |
| Noninterest income to average assets | 1.0298% | 1,161 |
| Noninterest expense to average assets | 3.3030% | 1,893 |
| Loan and lease loss provision to assets | 0.0771% | 2,798 |
| Net operating income to assets | 1.7394% | 573 |
| Return on assets (ROA) | 1.7394% | 587 |
| Pretax return on assets | 1.5062% | 1,628 |
| Return on Equity (ROE) | 38.6081% | 32 |
| Retained earnings to average equity (ytd only) | 38.6081% | 16 |
| Net charge-offs to loans | -0.0311% | 5,753 |
| Credit loss provision to net charge-offs | -390.0000% | 5,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5971% | 3,925 |
| Assets per employee ($millions) | 4.5978% | 2,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 4,366 |
| Loan loss allowance to noncurrent loans | 92.3623% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 6.3219% | 204 |
| Noncurrent loans to loans | 1.2705% | 2,519 |
| Net loans and leases to total assets | 63.5014% | 3,262 |
| Net loans and leases to deposits | 70.4383% | 3,873 |
| Net loans and leases to core deposits | 73.0708% | 4,043 |
| Total domestic deposits to total assets | 90.1518% | 662 |
| Equity capital to assets | 5.3286% | 6,512 |
| Core capital (leverage) ratio | 5.3389% | 6,512 |
| Tier 1 risk-based capital ratio | 7.0912% | 6,532 |
| Total risk-based capital ratio | 8.0969% | 6,537 |
| Memoranda: | ||
| Average total assets | $67,452,500 | 5,417 |
| Average earning assets | $56,780,000 | 5,548 |
| Average equity | $3,039,000 | 6,335 |
| Average total loans | $42,835,000 | 5,129 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8919% | 923 |
| Cost of funding earning assets | 0.4518% | 3,307 |
| Net interest margin | 4.4401% | 793 |
| Noninterest income to average assets | 1.1502% | 888 |
| Noninterest expense to average assets | 3.3728% | 1,748 |
| Loan and lease loss provision to assets | 0.1165% | 2,092 |
| Net operating income to assets | 1.3891% | 1,091 |
| Return on assets (ROA) | 1.3891% | 1,134 |
| Pretax return on assets | 1.3891% | 1,934 |
| Return on Equity (ROE) | 32.8971% | 46 |
| Retained earnings to average equity (ytd only) | 32.8971% | 25 |
| Net charge-offs to loans | -0.0425% | 5,802 |
| Credit loss provision to net charge-offs | -433.3333% | 5,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1366% | 3,813 |
| Assets per employee ($millions) | 4.5816% | 2,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 4,646 |
| Loan loss allowance to noncurrent loans | 90.5759% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 6.4883% | 212 |
| Noncurrent loans to loans | 1.2739% | 2,677 |
| Net loans and leases to total assets | 64.6965% | 2,962 |
| Net loans and leases to deposits | 70.8208% | 3,719 |
| Net loans and leases to core deposits | 73.4339% | 3,893 |
| Total domestic deposits to total assets | 91.3524% | 292 |
| Equity capital to assets | 4.6170% | 6,598 |
| Core capital (leverage) ratio | 4.7234% | 6,594 |
| Tier 1 risk-based capital ratio | 6.1186% | 6,613 |
| Total risk-based capital ratio | 7.1205% | 6,617 |
| Memoranda: | ||
| Average total assets | $66,947,670 | 5,475 |
| Average earning assets | $56,215,330 | 5,610 |
| Average equity | $2,827,000 | 6,426 |
| Average total loans | $42,341,670 | 5,187 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7452% | 1,151 |
| Cost of funding earning assets | 0.4406% | 3,529 |
| Net interest margin | 4.3046% | 985 |
| Noninterest income to average assets | 0.3512% | 4,565 |
| Noninterest expense to average assets | 3.4090% | 1,680 |
| Loan and lease loss provision to assets | 0.0363% | 3,332 |
| Net operating income to assets | 0.5147% | 4,615 |
| Return on assets (ROA) | 0.5147% | 4,690 |
| Pretax return on assets | 0.5147% | 5,122 |
| Return on Equity (ROE) | 12.8109% | 1,209 |
| Retained earnings to average equity (ytd only) | 12.8109% | 511 |
| Net charge-offs to loans | -0.0488% | 5,793 |
| Credit loss provision to net charge-offs | -120.0000% | 4,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0856% | 1,443 |
| Assets per employee ($millions) | 4.4621% | 3,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1501% | 4,874 |
| Loan loss allowance to noncurrent loans | 83.6806% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 6.2018% | 268 |
| Noncurrent loans to loans | 1.3743% | 2,731 |
| Net loans and leases to total assets | 61.8971% | 3,252 |
| Net loans and leases to deposits | 67.0589% | 3,963 |
| Net loans and leases to core deposits | 68.9885% | 4,207 |
| Total domestic deposits to total assets | 92.3026% | 195 |
| Equity capital to assets | 4.1385% | 6,666 |
| Core capital (leverage) ratio | 4.3253% | 6,669 |
| Tier 1 risk-based capital ratio | 5.7213% | 6,685 |
| Total risk-based capital ratio | 6.7079% | 6,691 |
| Memoranda: | ||
| Average total assets | $66,059,500 | 5,565 |
| Average earning assets | $55,382,500 | 5,686 |
| Average equity | $2,654,000 | 6,510 |
| Average total loans | $41,022,000 | 5,278 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6722% | 1,648 |
| Cost of funding earning assets | 0.5918% | 2,741 |
| Net interest margin | 4.0804% | 1,703 |
| Noninterest income to average assets | 0.8827% | 1,742 |
| Noninterest expense to average assets | 3.7405% | 1,231 |
| Loan and lease loss provision to assets | 0.0110% | 4,907 |
| Net operating income to assets | 0.7653% | 3,470 |
| Return on assets (ROA) | 0.7653% | 3,563 |
| Pretax return on assets | 0.5306% | 5,101 |
| Return on Equity (ROE) | 24.8577% | 128 |
| Retained earnings to average equity (ytd only) | 24.8577% | 47 |
| Net charge-offs to loans | 0.3525% | 1,916 |
| Credit loss provision to net charge-offs | 5.2239% | 4,645 |
| Earnings coverage of net charge-offs (x) | 2.5821% | 4,140 |
| Efficiency ratio | 87.3538% | 1,286 |
| Assets per employee ($millions) | 4.3458% | 3,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 4,793 |
| Loan loss allowance to noncurrent loans | 12.1548% | 6,266 |
| Noncurrent assets plus other real estate owned to assets | 11.4670% | 94 |
| Noncurrent loans to loans | 9.6554% | 120 |
| Net loans and leases to total assets | 60.8434% | 3,568 |
| Net loans and leases to deposits | 66.2701% | 4,271 |
| Net loans and leases to core deposits | 68.5340% | 4,446 |
| Total domestic deposits to total assets | 91.8113% | 324 |
| Equity capital to assets | 3.8934% | 6,743 |
| Core capital (leverage) ratio | 4.0983% | 6,749 |
| Tier 1 risk-based capital ratio | 5.4395% | 6,763 |
| Total risk-based capital ratio | 6.4323% | 6,767 |
| Memoranda: | ||
| Average total assets | $63,895,600 | 5,651 |
| Average earning assets | $53,229,800 | 5,798 |
| Average equity | $1,967,200 | 6,691 |
| Average total loans | $38,016,400 | 5,424 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6821% | 1,645 |
| Cost of funding earning assets | 0.6487% | 2,370 |
| Net interest margin | 4.0334% | 1,833 |
| Noninterest income to average assets | 0.9710% | 1,533 |
| Noninterest expense to average assets | 3.8737% | 998 |
| Loan and lease loss provision to assets | 0.0105% | 4,780 |
| Net operating income to assets | 0.4383% | 5,077 |
| Return on assets (ROA) | 0.4383% | 5,224 |
| Pretax return on assets | 0.4383% | 5,531 |
| Return on Equity (ROE) | 15.2732% | 756 |
| Retained earnings to average equity (ytd only) | 15.2732% | 186 |
| Net charge-offs to loans | 0.4908% | 1,308 |
| Credit loss provision to net charge-offs | 3.6232% | 4,296 |
| Earnings coverage of net charge-offs (x) | 1.5507% | 4,323 |
| Efficiency ratio | 89.6167% | 1,031 |
| Assets per employee ($millions) | 4.2251% | 3,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 4,706 |
| Loan loss allowance to noncurrent loans | 11.9261% | 6,344 |
| Noncurrent assets plus other real estate owned to assets | 12.1087% | 86 |
| Noncurrent loans to loans | 10.3686% | 121 |
| Net loans and leases to total assets | 58.6010% | 3,906 |
| Net loans and leases to deposits | 63.5702% | 4,560 |
| Net loans and leases to core deposits | 65.8015% | 4,736 |
| Total domestic deposits to total assets | 92.1832% | 224 |
| Equity capital to assets | 3.5629% | 6,829 |
| Core capital (leverage) ratio | 3.6281% | 6,838 |
| Tier 1 risk-based capital ratio | 4.9888% | 6,848 |
| Total risk-based capital ratio | 6.0059% | 6,852 |
| Memoranda: | ||
| Average total assets | $63,572,750 | 5,723 |
| Average earning assets | $52,824,000 | 5,872 |
| Average equity | $1,824,500 | 6,795 |
| Average total loans | $37,487,250 | 5,496 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6839% | 1,616 |
| Cost of funding earning assets | 0.7171% | 1,940 |
| Net interest margin | 3.9668% | 1,980 |
| Noninterest income to average assets | 1.2414% | 1,013 |
| Noninterest expense to average assets | 3.9819% | 883 |
| Loan and lease loss provision to assets | 0.0031% | 4,746 |
| Net operating income to assets | 0.5594% | 4,503 |
| Return on assets (ROA) | 0.5594% | 4,674 |
| Pretax return on assets | 0.5594% | 5,165 |
| Return on Equity (ROE) | 21.1905% | 238 |
| Retained earnings to average equity (ytd only) | 21.1905% | 70 |
| Net charge-offs to loans | 0.0320% | 4,237 |
| Credit loss provision to net charge-offs | 16.6667% | 3,799 |
| Earnings coverage of net charge-offs (x) | 29.8333% | 1,151 |
| Efficiency ratio | 87.6210% | 1,262 |
| Assets per employee ($millions) | 4.0182% | 3,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5158% | 3,515 |
| Loan loss allowance to noncurrent loans | 15.0393% | 6,379 |
| Noncurrent assets plus other real estate owned to assets | 12.1308% | 96 |
| Noncurrent loans to loans | 10.0792% | 156 |
| Net loans and leases to total assets | 59.9260% | 3,665 |
| Net loans and leases to deposits | 64.0771% | 4,490 |
| Net loans and leases to core deposits | 66.1908% | 4,670 |
| Total domestic deposits to total assets | 93.5216% | 86 |
| Equity capital to assets | 2.6567% | 6,910 |
| Core capital (leverage) ratio | 2.8078% | 6,910 |
| Tier 1 risk-based capital ratio | 3.7538% | 6,916 |
| Total risk-based capital ratio | 4.9891% | 6,917 |
| Memoranda: | ||
| Average total assets | $63,638,330 | 5,757 |
| Average earning assets | $52,990,330 | 5,897 |
| Average equity | $1,680,000 | 6,861 |
| Average total loans | $37,448,330 | 5,523 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6548% | 1,661 |
| Cost of funding earning assets | 0.7214% | 2,052 |
| Net interest margin | 3.9334% | 2,006 |
| Noninterest income to average assets | 0.4802% | 3,921 |
| Noninterest expense to average assets | 3.6202% | 1,383 |
| Loan and lease loss provision to assets | 0.0063% | 4,359 |
| Net operating income to assets | 0.1264% | 6,099 |
| Return on assets (ROA) | 0.1264% | 6,189 |
| Pretax return on assets | 0.1264% | 6,211 |
| Return on Equity (ROE) | 4.8019% | 4,688 |
| Retained earnings to average equity (ytd only) | 4.8019% | 3,357 |
| Net charge-offs to loans | -0.0874% | 6,382 |
| Credit loss provision to net charge-offs | -12.5000% | 4,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4646% | 707 |
| Assets per employee ($millions) | 3.9889% | 3,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6265% | 3,289 |
| Loan loss allowance to noncurrent loans | 16.4499% | 6,421 |
| Noncurrent assets plus other real estate owned to assets | 11.9379% | 132 |
| Noncurrent loans to loans | 9.8877% | 215 |
| Net loans and leases to total assets | 57.5225% | 3,842 |
| Net loans and leases to deposits | 61.2592% | 4,649 |
| Net loans and leases to core deposits | 63.2856% | 4,818 |
| Total domestic deposits to total assets | 93.9002% | 77 |
| Equity capital to assets | 2.6198% | 6,990 |
| Core capital (leverage) ratio | 2.6167% | 6,983 |
| Tier 1 risk-based capital ratio | 3.5181% | 6,987 |
| Total risk-based capital ratio | 4.7695% | 6,988 |
| Memoranda: | ||
| Average total assets | $63,312,000 | 5,827 |
| Average earning assets | $52,677,000 | 5,958 |
| Average equity | $1,666,000 | 6,933 |
| Average total loans | $36,612,500 | 5,587 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4883% | 3,449 |
| Cost of funding earning assets | 0.9399% | 1,711 |
| Net interest margin | 3.5484% | 4,309 |
| Noninterest income to average assets | 0.3335% | 5,067 |
| Noninterest expense to average assets | 4.0407% | 934 |
| Loan and lease loss provision to assets | 0.5130% | 1,145 |
| Net operating income to assets | -1.3037% | 6,823 |
| Return on assets (ROA) | -1.1573% | 6,798 |
| Pretax return on assets | -1.1573% | 6,774 |
| Return on Equity (ROE) | -38.4693% | 6,989 |
| Retained earnings to average equity (ytd only) | -38.4693% | 6,979 |
| Net charge-offs to loans | 1.4963% | 600 |
| Credit loss provision to net charge-offs | 61.4828% | 4,405 |
| Earnings coverage of net charge-offs (x) | -0.9476% | 5,753 |
| Efficiency ratio | 124.3268% | 180 |
| Assets per employee ($millions) | 4.1868% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6655% | 3,065 |
| Loan loss allowance to noncurrent loans | 15.9170% | 6,475 |
| Noncurrent assets plus other real estate owned to assets | 12.2432% | 132 |
| Noncurrent loans to loans | 10.4634% | 209 |
| Net loans and leases to total assets | 56.2211% | 4,250 |
| Net loans and leases to deposits | 59.6701% | 5,058 |
| Net loans and leases to core deposits | 61.4672% | 5,206 |
| Total domestic deposits to total assets | 94.2199% | 60 |
| Equity capital to assets | 2.6432% | 7,045 |
| Core capital (leverage) ratio | 2.5147% | 7,044 |
| Tier 1 risk-based capital ratio | 3.5948% | 7,045 |
| Total risk-based capital ratio | 4.8451% | 7,046 |
| Memoranda: | ||
| Average total assets | $66,275,000 | 5,729 |
| Average earning assets | $54,474,800 | 5,912 |
| Average equity | $1,993,800 | 6,949 |
| Average total loans | $36,956,800 | 5,637 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4009% | 4,045 |
| Cost of funding earning assets | 1.0003% | 1,557 |
| Net interest margin | 3.4006% | 5,033 |
| Noninterest income to average assets | 0.1609% | 6,333 |
| Noninterest expense to average assets | 4.0251% | 907 |
| Loan and lease loss provision to assets | 0.6295% | 843 |
| Net operating income to assets | -1.7058% | 7,001 |
| Return on assets (ROA) | -1.5330% | 6,983 |
| Pretax return on assets | -1.5330% | 6,962 |
| Return on Equity (ROE) | -49.5516% | 7,121 |
| Retained earnings to average equity (ytd only) | -49.5516% | 7,116 |
| Net charge-offs to loans | 1.0353% | 1,017 |
| Credit loss provision to net charge-offs | 109.6886% | 2,677 |
| Earnings coverage of net charge-offs (x) | -1.8755% | 5,642 |
| Efficiency ratio | 136.4983% | 131 |
| Assets per employee ($millions) | 4.3393% | 3,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2691% | 1,581 |
| Loan loss allowance to noncurrent loans | 19.4618% | 6,499 |
| Noncurrent assets plus other real estate owned to assets | 12.6886% | 138 |
| Noncurrent loans to loans | 11.6592% | 179 |
| Net loans and leases to total assets | 55.5170% | 4,522 |
| Net loans and leases to deposits | 58.3997% | 5,387 |
| Net loans and leases to core deposits | 60.0795% | 5,549 |
| Total domestic deposits to total assets | 95.0638% | 39 |
| Equity capital to assets | 2.5657% | 7,148 |
| Core capital (leverage) ratio | 2.4308% | 7,150 |
| Tier 1 risk-based capital ratio | 3.4881% | 7,148 |
| Total risk-based capital ratio | 4.7466% | 7,148 |
| Memoranda: | ||
| Average total assets | $67,143,250 | 5,770 |
| Average earning assets | $55,047,500 | 5,963 |
| Average equity | $2,077,250 | 7,031 |
| Average total loans | $37,219,500 | 5,692 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4301% | 4,061 |
| Cost of funding earning assets | 1.0315% | 1,569 |
| Net interest margin | 3.3986% | 5,096 |
| Noninterest income to average assets | 0.5160% | 3,812 |
| Noninterest expense to average assets | 3.9836% | 961 |
| Loan and lease loss provision to assets | 0.8640% | 558 |
| Net operating income to assets | -1.5628% | 7,027 |
| Return on assets (ROA) | -1.4183% | 7,022 |
| Pretax return on assets | -1.4183% | 6,993 |
| Return on Equity (ROE) | -43.4704% | 7,154 |
| Retained earnings to average equity (ytd only) | -43.4704% | 7,148 |
| Net charge-offs to loans | 1.5549% | 625 |
| Credit loss provision to net charge-offs | 101.0345% | 2,692 |
| Earnings coverage of net charge-offs (x) | -0.8172% | 5,282 |
| Efficiency ratio | 121.2747% | 220 |
| Assets per employee ($millions) | 4.1848% | 3,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2529% | 1,671 |
| Loan loss allowance to noncurrent loans | 18.8500% | 6,551 |
| Noncurrent assets plus other real estate owned to assets | 13.2518% | 140 |
| Noncurrent loans to loans | 11.9517% | 173 |
| Net loans and leases to total assets | 52.6816% | 5,011 |
| Net loans and leases to deposits | 55.4048% | 5,718 |
| Net loans and leases to core deposits | 56.7216% | 5,884 |
| Total domestic deposits to total assets | 95.0849% | 49 |
| Equity capital to assets | 2.9526% | 7,184 |
| Core capital (leverage) ratio | 2.8291% | 7,186 |
| Tier 1 risk-based capital ratio | 4.1043% | 7,187 |
| Total risk-based capital ratio | 5.3619% | 7,188 |
| Memoranda: | ||
| Average total assets | $67,827,670 | 5,787 |
| Average earning assets | $55,258,330 | 5,987 |
| Average equity | $2,213,000 | 7,063 |
| Average total loans | $37,301,000 | 5,718 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5148% | 3,854 |
| Cost of funding earning assets | 1.0413% | 1,736 |
| Net interest margin | 3.4735% | 4,818 |
| Noninterest income to average assets | 0.5098% | 3,846 |
| Noninterest expense to average assets | 3.9612% | 979 |
| Loan and lease loss provision to assets | 1.3184% | 279 |
| Net operating income to assets | -1.9161% | 7,147 |
| Return on assets (ROA) | -1.9161% | 7,148 |
| Pretax return on assets | -1.9161% | 7,130 |
| Return on Equity (ROE) | -56.1133% | 7,236 |
| Retained earnings to average equity (ytd only) | -56.1133% | 7,226 |
| Net charge-offs to loans | 2.9651% | 246 |
| Credit loss provision to net charge-offs | 80.0712% | 2,726 |
| Earnings coverage of net charge-offs (x) | -0.3630% | 4,480 |
| Efficiency ratio | 117.7700% | 245 |
| Assets per employee ($millions) | 4.2732% | 3,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0412% | 2,236 |
| Loan loss allowance to noncurrent loans | 17.3165% | 6,633 |
| Noncurrent assets plus other real estate owned to assets | 13.0465% | 163 |
| Noncurrent loans to loans | 11.7876% | 216 |
| Net loans and leases to total assets | 52.9947% | 4,884 |
| Net loans and leases to deposits | 55.6139% | 5,643 |
| Net loans and leases to core deposits | 56.9048% | 5,826 |
| Total domestic deposits to total assets | 95.2904% | 51 |
| Equity capital to assets | 3.1607% | 7,228 |
| Core capital (leverage) ratio | 3.0191% | 7,234 |
| Tier 1 risk-based capital ratio | 4.3116% | 7,237 |
| Total risk-based capital ratio | 5.5657% | 7,238 |
| Memoranda: | ||
| Average total assets | $68,263,000 | 5,817 |
| Average earning assets | $56,082,000 | 6,004 |
| Average equity | $2,331,000 | 7,102 |
| Average total loans | $37,908,000 | 5,737 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4832% | 5,142 |
| Cost of funding earning assets | 1.3559% | 1,216 |
| Net interest margin | 3.1273% | 6,276 |
| Noninterest income to average assets | -0.0464% | 7,056 |
| Noninterest expense to average assets | 3.9653% | 1,093 |
| Loan and lease loss provision to assets | 1.2700% | 654 |
| Net operating income to assets | -2.6741% | 7,136 |
| Return on assets (ROA) | -2.4922% | 7,122 |
| Pretax return on assets | -2.4922% | 7,121 |
| Return on Equity (ROE) | -54.9155% | 7,220 |
| Retained earnings to average equity (ytd only) | -54.9155% | 7,219 |
| Net charge-offs to loans | 2.5591% | 447 |
| Credit loss provision to net charge-offs | 91.9308% | 3,926 |
| Earnings coverage of net charge-offs (x) | -1.0163% | 6,196 |
| Efficiency ratio | 154.8187% | 130 |
| Assets per employee ($millions) | 3.7864% | 4,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0887% | 2,041 |
| Loan loss allowance to noncurrent loans | 53.2502% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 8.9252% | 409 |
| Noncurrent loans to loans | 3.9224% | 1,599 |
| Net loans and leases to total assets | 55.7802% | 4,751 |
| Net loans and leases to deposits | 58.8854% | 5,609 |
| Net loans and leases to core deposits | 61.0362% | 5,751 |
| Total domestic deposits to total assets | 94.7267% | 69 |
| Equity capital to assets | 3.6696% | 7,240 |
| Core capital (leverage) ratio | 3.4136% | 7,244 |
| Tier 1 risk-based capital ratio | 4.7662% | 7,253 |
| Total risk-based capital ratio | 6.0212% | 7,255 |
| Memoranda: | ||
| Average total assets | $75,353,600 | 5,592 |
| Average earning assets | $62,834,200 | 5,778 |
| Average equity | $3,419,800 | 6,904 |
| Average total loans | $40,678,600 | 5,664 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4399% | 5,461 |
| Cost of funding earning assets | 1.4262% | 1,124 |
| Net interest margin | 3.0137% | 6,560 |
| Noninterest income to average assets | -0.1262% | 7,229 |
| Noninterest expense to average assets | 3.9557% | 1,061 |
| Loan and lease loss provision to assets | 1.4585% | 480 |
| Net operating income to assets | -3.0208% | 7,269 |
| Return on assets (ROA) | -2.7823% | 7,260 |
| Pretax return on assets | -2.7823% | 7,252 |
| Return on Equity (ROE) | -58.8193% | 7,318 |
| Retained earnings to average equity (ytd only) | -58.8193% | 7,315 |
| Net charge-offs to loans | 3.1306% | 291 |
| Credit loss provision to net charge-offs | 87.3706% | 3,875 |
| Earnings coverage of net charge-offs (x) | -0.9358% | 5,923 |
| Efficiency ratio | 165.2708% | 101 |
| Assets per employee ($millions) | 3.3272% | 5,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9714% | 2,416 |
| Loan loss allowance to noncurrent loans | 40.1350% | 5,610 |
| Noncurrent assets plus other real estate owned to assets | 9.1300% | 430 |
| Noncurrent loans to loans | 4.9120% | 1,279 |
| Net loans and leases to total assets | 52.5110% | 5,386 |
| Net loans and leases to deposits | 55.4327% | 6,077 |
| Net loans and leases to core deposits | 57.7496% | 6,149 |
| Total domestic deposits to total assets | 94.7294% | 59 |
| Equity capital to assets | 3.8075% | 7,333 |
| Core capital (leverage) ratio | 3.6200% | 7,322 |
| Tier 1 risk-based capital ratio | 5.1976% | 7,317 |
| Total risk-based capital ratio | 6.4507% | 7,320 |
| Memoranda: | ||
| Average total assets | $77,153,250 | 5,571 |
| Average earning assets | $64,504,500 | 5,757 |
| Average equity | $3,649,500 | 6,896 |
| Average total loans | $41,141,250 | 5,689 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4169% | 5,631 |
| Cost of funding earning assets | 1.5007% | 1,003 |
| Net interest margin | 2.9162% | 6,757 |
| Noninterest income to average assets | 0.2243% | 6,065 |
| Noninterest expense to average assets | 3.8791% | 1,228 |
| Loan and lease loss provision to assets | 1.1648% | 684 |
| Net operating income to assets | -2.3779% | 7,253 |
| Return on assets (ROA) | -2.1027% | 7,216 |
| Pretax return on assets | -2.1027% | 7,182 |
| Return on Equity (ROE) | -41.9101% | 7,319 |
| Retained earnings to average equity (ytd only) | -41.9101% | 7,315 |
| Net charge-offs to loans | 2.3070% | 549 |
| Credit loss provision to net charge-offs | 94.8133% | 3,314 |
| Earnings coverage of net charge-offs (x) | -0.9876% | 5,628 |
| Efficiency ratio | 145.5067% | 174 |
| Assets per employee ($millions) | 3.4861% | 4,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1150% | 2,092 |
| Loan loss allowance to noncurrent loans | 30.2083% | 6,253 |
| Noncurrent assets plus other real estate owned to assets | 10.1858% | 376 |
| Noncurrent loans to loans | 7.0013% | 740 |
| Net loans and leases to total assets | 52.5002% | 5,501 |
| Net loans and leases to deposits | 56.2195% | 6,114 |
| Net loans and leases to core deposits | 58.5171% | 6,232 |
| Total domestic deposits to total assets | 93.3842% | 108 |
| Equity capital to assets | 4.5570% | 7,350 |
| Core capital (leverage) ratio | 4.3479% | 7,353 |
| Tier 1 risk-based capital ratio | 6.2902% | 7,350 |
| Total risk-based capital ratio | 7.5464% | 7,353 |
| Memoranda: | ||
| Average total assets | $78,471,670 | 5,587 |
| Average earning assets | $65,702,330 | 5,767 |
| Average equity | $3,937,000 | 6,863 |
| Average total loans | $41,785,000 | 5,717 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3854% | 5,741 |
| Cost of funding earning assets | 1.6023% | 806 |
| Net interest margin | 2.7830% | 6,932 |
| Noninterest income to average assets | 0.1563% | 6,603 |
| Noninterest expense to average assets | 3.8810% | 1,202 |
| Loan and lease loss provision to assets | 0.0101% | 5,775 |
| Net operating income to assets | -1.4063% | 7,168 |
| Return on assets (ROA) | -1.4063% | 7,171 |
| Pretax return on assets | -1.4063% | 7,128 |
| Return on Equity (ROE) | -26.8398% | 7,299 |
| Retained earnings to average equity (ytd only) | -26.8398% | 7,264 |
| Net charge-offs to loans | 0.1900% | 3,363 |
| Credit loss provision to net charge-offs | 10.0000% | 4,379 |
| Earnings coverage of net charge-offs (x) | -13.8500% | 5,070 |
| Efficiency ratio | 156.1866% | 136 |
| Assets per employee ($millions) | 3.5432% | 4,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1130% | 2,158 |
| Loan loss allowance to noncurrent loans | 27.3265% | 6,449 |
| Noncurrent assets plus other real estate owned to assets | 10.8724% | 345 |
| Noncurrent loans to loans | 7.7323% | 661 |
| Net loans and leases to total assets | 52.1809% | 5,553 |
| Net loans and leases to deposits | 55.9122% | 6,135 |
| Net loans and leases to core deposits | 58.3690% | 6,222 |
| Total domestic deposits to total assets | 93.3265% | 111 |
| Equity capital to assets | 5.1456% | 7,365 |
| Core capital (leverage) ratio | 4.8872% | 7,373 |
| Tier 1 risk-based capital ratio | 7.1157% | 7,353 |
| Total risk-based capital ratio | 8.3705% | 7,360 |
| Memoranda: | ||
| Average total assets | $79,360,000 | 5,605 |
| Average earning assets | $66,402,500 | 5,791 |
| Average equity | $4,158,000 | 6,827 |
| Average total loans | $42,110,000 | 5,750 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9425% | 4,824 |
| Cost of funding earning assets | 2.2761% | 230 |
| Net interest margin | 2.6664% | 7,155 |
| Noninterest income to average assets | -1.6826% | 7,647 |
| Noninterest expense to average assets | 3.7187% | 1,660 |
| Loan and lease loss provision to assets | 0.4446% | 3,465 |
| Net operating income to assets | -3.6489% | 7,392 |
| Return on assets (ROA) | -3.6489% | 7,409 |
| Pretax return on assets | -3.6489% | 7,389 |
| Return on Equity (ROE) | -51.0133% | 7,428 |
| Retained earnings to average equity (ytd only) | -51.0133% | 7,425 |
| Net charge-offs to loans | 1.4781% | 1,487 |
| Credit loss provision to net charge-offs | 54.5718% | 6,185 |
| Earnings coverage of net charge-offs (x) | -3.9332% | 6,761 |
| Efficiency ratio | 722.9885% | 11 |
| Assets per employee ($millions) | 3.6714% | 4,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0976% | 2,079 |
| Loan loss allowance to noncurrent loans | 45.6633% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 8.9377% | 508 |
| Noncurrent loans to loans | 4.5937% | 1,534 |
| Net loans and leases to total assets | 51.7172% | 5,953 |
| Net loans and leases to deposits | 56.1188% | 6,434 |
| Net loans and leases to core deposits | 58.1151% | 6,555 |
| Total domestic deposits to total assets | 92.1567% | 251 |
| Equity capital to assets | 5.3299% | 7,410 |
| Core capital (leverage) ratio | 5.0565% | 7,415 |
| Tier 1 risk-based capital ratio | 7.4276% | 7,393 |
| Total risk-based capital ratio | 8.6822% | 7,395 |
| Memoranda: | ||
| Average total assets | $84,573,200 | 5,456 |
| Average earning assets | $69,682,000 | 5,682 |
| Average equity | $6,049,400 | 6,340 |
| Average total loans | $46,612,400 | 5,610 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7737% | 5,769 |
| Cost of funding earning assets | 2.3783% | 209 |
| Net interest margin | 2.3954% | 7,442 |
| Noninterest income to average assets | -2.3728% | 7,755 |
| Noninterest expense to average assets | 3.7758% | 1,418 |
| Loan and lease loss provision to assets | 0.5472% | 2,760 |
| Net operating income to assets | -4.7315% | 7,627 |
| Return on assets (ROA) | -4.7315% | 7,635 |
| Pretax return on assets | -4.7315% | 7,619 |
| Return on Equity (ROE) | -62.3941% | 7,610 |
| Retained earnings to average equity (ytd only) | -62.3941% | 7,609 |
| Net charge-offs to loans | 1.3221% | 1,540 |
| Credit loss provision to net charge-offs | 74.3644% | 5,306 |
| Earnings coverage of net charge-offs (x) | -5.6864% | 6,596 |
| Efficiency ratio | -924.4275% | 7,758 |
| Assets per employee ($millions) | 3.8581% | 4,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3933% | 1,484 |
| Loan loss allowance to noncurrent loans | 28.4555% | 6,422 |
| Noncurrent assets plus other real estate owned to assets | 10.8013% | 341 |
| Noncurrent loans to loans | 8.4106% | 592 |
| Net loans and leases to total assets | 52.2296% | 6,070 |
| Net loans and leases to deposits | 56.9447% | 6,549 |
| Net loans and leases to core deposits | 59.2721% | 6,656 |
| Total domestic deposits to total assets | 91.7200% | 253 |
| Equity capital to assets | 5.2852% | 7,551 |
| Core capital (leverage) ratio | 4.8494% | 7,560 |
| Tier 1 risk-based capital ratio | 7.0715% | 7,542 |
| Total risk-based capital ratio | 8.3296% | 7,547 |
| Memoranda: | ||
| Average total assets | $85,524,000 | 5,483 |
| Average earning assets | $70,133,250 | 5,733 |
| Average equity | $6,485,500 | 6,285 |
| Average total loans | $47,598,750 | 5,659 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8398% | 5,640 |
| Cost of funding earning assets | 2.4688% | 195 |
| Net interest margin | 2.3711% | 7,498 |
| Noninterest income to average assets | 0.4852% | 4,235 |
| Noninterest expense to average assets | 3.7346% | 1,490 |
| Loan and lease loss provision to assets | 0.2379% | 4,533 |
| Net operating income to assets | -1.5629% | 7,171 |
| Return on assets (ROA) | -1.5629% | 7,181 |
| Pretax return on assets | -1.5629% | 7,098 |
| Return on Equity (ROE) | -18.7360% | 7,248 |
| Retained earnings to average equity (ytd only) | -18.7360% | 7,222 |
| Net charge-offs to loans | 1.8789% | 986 |
| Credit loss provision to net charge-offs | 22.4670% | 5,829 |
| Earnings coverage of net charge-offs (x) | -1.2511% | 6,151 |
| Efficiency ratio | 154.9855% | 190 |
| Assets per employee ($millions) | 3.6800% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8249% | 2,652 |
| Loan loss allowance to noncurrent loans | 20.5282% | 6,914 |
| Noncurrent assets plus other real estate owned to assets | 13.7711% | 190 |
| Noncurrent loans to loans | 8.8895% | 537 |
| Net loans and leases to total assets | 54.3448% | 5,946 |
| Net loans and leases to deposits | 60.6218% | 6,353 |
| Net loans and leases to core deposits | 63.6598% | 6,429 |
| Total domestic deposits to total assets | 89.6457% | 1,099 |
| Equity capital to assets | 8.0587% | 6,689 |
| Core capital (leverage) ratio | 7.7948% | 6,505 |
| Tier 1 risk-based capital ratio | 10.2905% | 6,843 |
| Total risk-based capital ratio | 11.5419% | 6,824 |
| Memoranda: | ||
| Average total assets | $85,739,000 | 5,511 |
| Average earning assets | $69,589,330 | 5,790 |
| Average equity | $7,152,000 | 6,093 |
| Average total loans | $48,325,330 | 5,678 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0951% | 4,550 |
| Cost of funding earning assets | 2.5332% | 208 |
| Net interest margin | 2.5619% | 7,419 |
| Noninterest income to average assets | 0.6536% | 2,910 |
| Noninterest expense to average assets | 3.6436% | 1,629 |
| Loan and lease loss provision to assets | 0.1205% | 5,381 |
| Net operating income to assets | -1.0384% | 7,126 |
| Return on assets (ROA) | -1.0384% | 7,150 |
| Pretax return on assets | -1.0384% | 7,066 |
| Return on Equity (ROE) | -12.2446% | 7,224 |
| Retained earnings to average equity (ytd only) | -12.2446% | 7,081 |
| Net charge-offs to loans | 3.5384% | 397 |
| Credit loss provision to net charge-offs | 5.9908% | 5,090 |
| Earnings coverage of net charge-offs (x) | -0.4562% | 5,267 |
| Efficiency ratio | 133.6735% | 301 |
| Assets per employee ($millions) | 3.6828% | 4,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7385% | 2,929 |
| Loan loss allowance to noncurrent loans | 53.4448% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 11.6947% | 284 |
| Noncurrent loans to loans | 3.2530% | 2,453 |
| Net loans and leases to total assets | 53.3133% | 6,114 |
| Net loans and leases to deposits | 59.2902% | 6,534 |
| Net loans and leases to core deposits | 62.2479% | 6,582 |
| Total domestic deposits to total assets | 89.9191% | 1,031 |
| Equity capital to assets | 8.4930% | 6,009 |
| Core capital (leverage) ratio | 8.0562% | 6,152 |
| Tier 1 risk-based capital ratio | 10.8731% | 6,270 |
| Total risk-based capital ratio | 12.1148% | 6,262 |
| Memoranda: | ||
| Average total assets | $86,288,000 | 5,566 |
| Average earning assets | $69,793,000 | 5,855 |
| Average equity | $7,317,500 | 6,079 |
| Average total loans | $49,061,500 | 5,710 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5344% | 3,964 |
| Cost of funding earning assets | 3.0521% | 198 |
| Net interest margin | 2.4823% | 7,443 |
| Noninterest income to average assets | -1.1336% | 7,996 |
| Noninterest expense to average assets | 3.9522% | 1,432 |
| Loan and lease loss provision to assets | 1.7192% | 1,328 |
| Net operating income to assets | -4.8218% | 7,714 |
| Return on assets (ROA) | -4.1025% | 7,622 |
| Pretax return on assets | -4.1025% | 7,557 |
| Return on Equity (ROE) | -50.2368% | 7,684 |
| Retained earnings to average equity (ytd only) | -50.2368% | 7,675 |
| Net charge-offs to loans | 2.5625% | 892 |
| Credit loss provision to net charge-offs | 112.0230% | 4,893 |
| Earnings coverage of net charge-offs (x) | -2.0216% | 7,002 |
| Efficiency ratio | 465.1495% | 35 |
| Assets per employee ($millions) | 3.8205% | 4,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3138% | 1,460 |
| Loan loss allowance to noncurrent loans | 52.1382% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 11.5465% | 277 |
| Noncurrent loans to loans | 4.4378% | 1,609 |
| Net loans and leases to total assets | 57.9918% | 5,666 |
| Net loans and leases to deposits | 64.5324% | 6,205 |
| Net loans and leases to core deposits | 91.0973% | 5,001 |
| Total domestic deposits to total assets | 89.8647% | 1,031 |
| Equity capital to assets | 8.4681% | 5,932 |
| Core capital (leverage) ratio | 8.2081% | 5,796 |
| Tier 1 risk-based capital ratio | 10.3692% | 6,522 |
| Total risk-based capital ratio | 11.6254% | 6,487 |
| Memoranda: | ||
| Average total assets | $90,506,200 | 5,375 |
| Average earning assets | $72,311,200 | 5,745 |
| Average equity | $7,391,000 | 6,133 |
| Average total loans | $54,205,000 | 5,494 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5850% | 3,948 |
| Cost of funding earning assets | 3.1783% | 200 |
| Net interest margin | 2.4067% | 7,555 |
| Noninterest income to average assets | -1.2388% | 8,081 |
| Noninterest expense to average assets | 3.9049% | 1,419 |
| Loan and lease loss provision to assets | 2.0768% | 853 |
| Net operating income to assets | -5.3045% | 7,872 |
| Return on assets (ROA) | -4.3524% | 7,785 |
| Pretax return on assets | -4.3524% | 7,737 |
| Return on Equity (ROE) | -53.7765% | 7,862 |
| Retained earnings to average equity (ytd only) | -53.7765% | 7,856 |
| Net charge-offs to loans | 3.2531% | 497 |
| Credit loss provision to net charge-offs | 106.3670% | 4,785 |
| Earnings coverage of net charge-offs (x) | -1.6532% | 6,709 |
| Efficiency ratio | 576.6739% | 25 |
| Assets per employee ($millions) | 3.2079% | 5,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1285% | 1,549 |
| Loan loss allowance to noncurrent loans | 34.1426% | 6,160 |
| Noncurrent assets plus other real estate owned to assets | 11.7811% | 239 |
| Noncurrent loans to loans | 6.2342% | 939 |
| Net loans and leases to total assets | 59.7243% | 5,621 |
| Net loans and leases to deposits | 66.9492% | 6,217 |
| Net loans and leases to core deposits | 92.6860% | 5,170 |
| Total domestic deposits to total assets | 89.2083% | 1,105 |
| Equity capital to assets | 9.3092% | 5,021 |
| Core capital (leverage) ratio | 9.1431% | 4,424 |
| Tier 1 risk-based capital ratio | 11.0286% | 5,923 |
| Total risk-based capital ratio | 12.2831% | 5,881 |
| Memoranda: | ||
| Average total assets | $91,165,000 | 5,388 |
| Average earning assets | $72,574,000 | 5,768 |
| Average equity | $7,378,500 | 6,192 |
| Average total loans | $54,715,000 | 5,528 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5211% | 4,502 |
| Cost of funding earning assets | 3.2869% | 213 |
| Net interest margin | 2.2342% | 7,728 |
| Noninterest income to average assets | -1.6465% | 8,173 |
| Noninterest expense to average assets | 3.9792% | 1,349 |
| Loan and lease loss provision to assets | 2.3608% | 675 |
| Net operating income to assets | -6.1910% | 8,009 |
| Return on assets (ROA) | -4.7862% | 7,913 |
| Pretax return on assets | -4.7862% | 7,837 |
| Return on Equity (ROE) | -62.0391% | 7,984 |
| Retained earnings to average equity (ytd only) | -62.0391% | 7,980 |
| Net charge-offs to loans | 1.1602% | 1,570 |
| Credit loss provision to net charge-offs | 340.8100% | 1,360 |
| Earnings coverage of net charge-offs (x) | -5.5296% | 6,468 |
| Efficiency ratio | 2,672.4638% | 8 |
| Assets per employee ($millions) | 3.1848% | 5,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4890% | 383 |
| Loan loss allowance to noncurrent loans | 59.7561% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 13.0387% | 147 |
| Noncurrent loans to loans | 5.8387% | 954 |
| Net loans and leases to total assets | 58.3219% | 5,919 |
| Net loans and leases to deposits | 63.9176% | 6,572 |
| Net loans and leases to core deposits | 83.3405% | 6,133 |
| Total domestic deposits to total assets | 91.2455% | 394 |
| Equity capital to assets | 6.7799% | 7,718 |
| Core capital (leverage) ratio | 6.2576% | 7,868 |
| Tier 1 risk-based capital ratio | 7.8483% | 7,929 |
| Total risk-based capital ratio | 9.1162% | 7,942 |
| Memoranda: | ||
| Average total assets | $92,682,330 | 5,378 |
| Average earning assets | $74,478,330 | 5,727 |
| Average equity | $7,150,330 | 6,322 |
| Average total loans | $55,335,330 | 5,543 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4225% | 5,305 |
| Cost of funding earning assets | 3.2871% | 276 |
| Net interest margin | 2.1354% | 7,832 |
| Noninterest income to average assets | 0.6915% | 2,940 |
| Noninterest expense to average assets | 3.4281% | 2,285 |
| Loan and lease loss provision to assets | 1.0080% | 1,295 |
| Net operating income to assets | -2.0077% | 7,663 |
| Return on assets (ROA) | -0.0583% | 6,468 |
| Pretax return on assets | -0.0500% | 6,432 |
| Return on Equity (ROE) | -0.7170% | 6,499 |
| Retained earnings to average equity (ytd only) | -0.7170% | 5,818 |
| Net charge-offs to loans | 1.6275% | 893 |
| Credit loss provision to net charge-offs | 104.3103% | 3,621 |
| Earnings coverage of net charge-offs (x) | -1.0259% | 5,362 |
| Efficiency ratio | 140.6838% | 406 |
| Assets per employee ($millions) | 3.1349% | 5,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8926% | 1,631 |
| Loan loss allowance to noncurrent loans | 28.2673% | 6,668 |
| Noncurrent assets plus other real estate owned to assets | 13.6910% | 104 |
| Noncurrent loans to loans | 6.6953% | 628 |
| Net loans and leases to total assets | 57.8200% | 5,969 |
| Net loans and leases to deposits | 65.9351% | 6,382 |
| Net loans and leases to core deposits | 84.5403% | 6,020 |
| Total domestic deposits to total assets | 87.6923% | 1,891 |
| Equity capital to assets | 8.3628% | 6,296 |
| Core capital (leverage) ratio | 7.7718% | 6,785 |
| Tier 1 risk-based capital ratio | 9.6225% | 7,316 |
| Total risk-based capital ratio | 10.8753% | 7,254 |
| Memoranda: | ||
| Average total assets | $96,028,500 | 5,305 |
| Average earning assets | $78,488,000 | 5,608 |
| Average equity | $7,810,500 | 6,118 |
| Average total loans | $57,021,000 | 5,499 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0748% | 5,175 |
| Cost of funding earning assets | 3.8431% | 171 |
| Net interest margin | 2.2317% | 7,948 |
| Noninterest income to average assets | -0.4592% | 8,266 |
| Noninterest expense to average assets | 3.8678% | 1,624 |
| Loan and lease loss provision to assets | 3.6269% | 210 |
| Net operating income to assets | -6.4382% | 8,171 |
| Return on assets (ROA) | -6.4382% | 8,166 |
| Pretax return on assets | -6.0353% | 8,105 |
| Return on Equity (ROE) | -57.2030% | 8,189 |
| Retained earnings to average equity (ytd only) | -57.2030% | 8,174 |
| Net charge-offs to loans | 5.1800% | 93 |
| Credit loss provision to net charge-offs | 104.3466% | 5,125 |
| Earnings coverage of net charge-offs (x) | -0.6929% | 6,537 |
| Efficiency ratio | 265.0203% | 127 |
| Assets per employee ($millions) | 2.9700% | 6,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7743% | 1,693 |
| Loan loss allowance to noncurrent loans | 22.3752% | 7,125 |
| Noncurrent assets plus other real estate owned to assets | 12.5293% | 96 |
| Noncurrent loans to loans | 7.9297% | 346 |
| Net loans and leases to total assets | 58.7440% | 6,098 |
| Net loans and leases to deposits | 66.9492% | 6,570 |
| Net loans and leases to core deposits | 84.7826% | 6,225 |
| Total domestic deposits to total assets | 87.7441% | 1,583 |
| Equity capital to assets | 7.9135% | 6,949 |
| Core capital (leverage) ratio | 6.8365% | 7,802 |
| Tier 1 risk-based capital ratio | 8.4831% | 7,994 |
| Total risk-based capital ratio | 9.7345% | 8,048 |
| Memoranda: | ||
| Average total assets | $101,271,200 | 5,009 |
| Average earning assets | $87,065,000 | 5,185 |
| Average equity | $11,398,000 | 5,005 |
| Average total loans | $67,954,000 | 4,948 |