Home > Great Lakes Bankers Bank > Performance and Condition Ratios
Great Lakes Bankers Bank, Performance and Condition Ratios
| 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 | 3.0930% | 5,555 |
| Cost of funding earning assets | 0.1303% | 5,687 |
| Net interest margin | 2.9626% | 5,149 |
| Noninterest income to average assets | 0.9191% | 1,318 |
| Noninterest expense to average assets | 2.9225% | 2,605 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5597% | 4,442 |
| Return on assets (ROA) | 0.5597% | 4,558 |
| Pretax return on assets | 0.8138% | 4,232 |
| Return on Equity (ROE) | 4.2548% | 4,815 |
| Retained earnings to average equity (ytd only) | 4.2548% | 3,202 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2200% | 1,753 |
| Assets per employee ($millions) | 7.1284% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4267% | 2,175 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 48.1157% | 4,986 |
| Net loans and leases to deposits | 62.8705% | 4,580 |
| Net loans and leases to core deposits | 62.8705% | 4,821 |
| Total domestic deposits to total assets | 76.5314% | 5,214 |
| Equity capital to assets | 12.8000% | 1,612 |
| Core capital (leverage) ratio | 10.8302% | 2,614 |
| Tier 1 risk-based capital ratio | 22.7750% | 1,042 |
| Total risk-based capital ratio | 24.0156% | 1,024 |
| Memoranda: | ||
| Average total assets | $96,834,670 | 4,481 |
| Average earning assets | $92,080,000 | 4,420 |
| Average equity | $12,738,670 | 4,195 |
| Average total loans | $49,107,000 | 4,675 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1219% | 5,584 |
| Cost of funding earning assets | 0.1375% | 5,695 |
| Net interest margin | 2.9844% | 5,153 |
| Noninterest income to average assets | 0.9019% | 1,308 |
| Noninterest expense to average assets | 3.1546% | 1,945 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3985% | 5,000 |
| Return on assets (ROA) | 0.3985% | 5,076 |
| Pretax return on assets | 0.5705% | 4,900 |
| Return on Equity (ROE) | 2.9872% | 5,243 |
| Retained earnings to average equity (ytd only) | 2.9872% | 4,020 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6847% | 1,092 |
| Assets per employee ($millions) | 6.8647% | 946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3840% | 2,498 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 51.5296% | 4,674 |
| Net loans and leases to deposits | 69.0457% | 3,950 |
| Net loans and leases to core deposits | 69.0457% | 4,318 |
| Total domestic deposits to total assets | 74.6311% | 5,554 |
| Equity capital to assets | 13.3186% | 1,257 |
| Core capital (leverage) ratio | 10.5937% | 2,857 |
| Tier 1 risk-based capital ratio | 22.0183% | 1,155 |
| Total risk-based capital ratio | 23.2062% | 1,144 |
| Memoranda: | ||
| Average total assets | $95,353,500 | 4,545 |
| Average earning assets | $90,201,000 | 4,495 |
| Average equity | $12,721,000 | 4,204 |
| Average total loans | $49,304,000 | 4,699 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8477% | 5,851 |
| Cost of funding earning assets | 0.0258% | 6,135 |
| Net interest margin | 2.8219% | 5,475 |
| Noninterest income to average assets | 0.9925% | 1,194 |
| Noninterest expense to average assets | 3.1666% | 2,043 |
| Loan and lease loss provision to assets | -0.0050% | 5,610 |
| Net operating income to assets | 0.3713% | 5,137 |
| Return on assets (ROA) | 2.6614% | 124 |
| Pretax return on assets | 3.9530% | 78 |
| Return on Equity (ROE) | 25.4051% | 97 |
| Retained earnings to average equity (ytd only) | 25.4051% | 40 |
| Net charge-offs to loans | -0.0861% | 5,734 |
| Credit loss provision to net charge-offs | 11.9048% | 3,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6645% | 1,022 |
| Assets per employee ($millions) | 6.7572% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4362% | 2,267 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 50.4170% | 4,832 |
| Net loans and leases to deposits | 63.0119% | 4,539 |
| Net loans and leases to core deposits | 63.0119% | 4,799 |
| Total domestic deposits to total assets | 80.0118% | 4,737 |
| Equity capital to assets | 13.3635% | 1,179 |
| Core capital (leverage) ratio | 11.8448% | 1,731 |
| Tier 1 risk-based capital ratio | 22.8631% | 1,032 |
| Total risk-based capital ratio | 24.0959% | 1,019 |
| Memoranda: | ||
| Average total assets | $100,960,400 | 4,442 |
| Average earning assets | $96,744,000 | 4,379 |
| Average equity | $10,576,600 | 4,557 |
| Average total loans | $48,767,000 | 4,710 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7821% | 5,970 |
| Cost of funding earning assets | 0.0189% | 6,229 |
| Net interest margin | 2.7631% | 5,645 |
| Noninterest income to average assets | 0.9842% | 1,219 |
| Noninterest expense to average assets | 3.1762% | 2,032 |
| Loan and lease loss provision to assets | 0.0585% | 3,017 |
| Net operating income to assets | 0.3216% | 5,394 |
| Return on assets (ROA) | 0.3185% | 5,486 |
| Pretax return on assets | 0.4017% | 5,460 |
| Return on Equity (ROE) | 3.2470% | 5,300 |
| Retained earnings to average equity (ytd only) | 3.2470% | 4,148 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2500% | 917 |
| Assets per employee ($millions) | 7.2204% | 788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 2,712 |
| Loan loss allowance to noncurrent loans | 1,210.3448% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 5,544 |
| Noncurrent loans to loans | 0.1137% | 5,175 |
| Net loans and leases to total assets | 49.7512% | 4,950 |
| Net loans and leases to deposits | 65.6609% | 4,411 |
| Net loans and leases to core deposits | 65.6609% | 4,715 |
| Total domestic deposits to total assets | 75.7699% | 5,527 |
| Equity capital to assets | 10.1974% | 3,938 |
| Core capital (leverage) ratio | 10.2844% | 3,270 |
| Tier 1 risk-based capital ratio | 17.8142% | 2,089 |
| Total risk-based capital ratio | 19.0111% | 2,065 |
| Memoranda: | ||
| Average total assets | $102,550,250 | 4,457 |
| Average earning assets | $98,581,750 | 4,370 |
| Average equity | $10,060,250 | 4,711 |
| Average total loans | $48,861,250 | 4,758 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7760% | 6,035 |
| Cost of funding earning assets | 0.0162% | 6,310 |
| Net interest margin | 2.7599% | 5,692 |
| Noninterest income to average assets | 0.9841% | 1,213 |
| Noninterest expense to average assets | 3.1328% | 2,160 |
| Loan and lease loss provision to assets | 0.0582% | 2,936 |
| Net operating income to assets | 0.3442% | 5,313 |
| Return on assets (ROA) | 0.3397% | 5,436 |
| Pretax return on assets | 0.4387% | 5,381 |
| Return on Equity (ROE) | 3.5078% | 5,223 |
| Retained earnings to average equity (ytd only) | 3.5078% | 3,801 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1719% | 1,047 |
| Assets per employee ($millions) | 7.6981% | 610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3891% | 2,810 |
| Loan loss allowance to noncurrent loans | 837.8049% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 5,560 |
| Noncurrent loans to loans | 0.1658% | 5,098 |
| Net loans and leases to total assets | 45.2530% | 5,302 |
| Net loans and leases to deposits | 64.2603% | 4,509 |
| Net loans and leases to core deposits | 64.2603% | 4,791 |
| Total domestic deposits to total assets | 70.4214% | 6,016 |
| Equity capital to assets | 9.3622% | 4,829 |
| Core capital (leverage) ratio | 9.9184% | 3,718 |
| Tier 1 risk-based capital ratio | 17.5502% | 2,200 |
| Total risk-based capital ratio | 18.7459% | 2,177 |
| Memoranda: | ||
| Average total assets | $103,038,670 | 4,488 |
| Average earning assets | $98,989,670 | 4,399 |
| Average equity | $9,977,670 | 4,757 |
| Average total loans | $48,150,670 | 4,817 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7496% | 6,103 |
| Cost of funding earning assets | 0.0166% | 6,379 |
| Net interest margin | 2.7330% | 5,762 |
| Noninterest income to average assets | 1.0331% | 1,048 |
| Noninterest expense to average assets | 3.2303% | 1,904 |
| Loan and lease loss provision to assets | 0.0596% | 2,739 |
| Net operating income to assets | 0.2999% | 5,417 |
| Return on assets (ROA) | 0.2901% | 5,546 |
| Pretax return on assets | 0.3497% | 5,542 |
| Return on Equity (ROE) | 2.9431% | 5,403 |
| Retained earnings to average equity (ytd only) | 2.9431% | 4,209 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4657% | 977 |
| Assets per employee ($millions) | 7.0000% | 858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 3,128 |
| Loan loss allowance to noncurrent loans | 755.0562% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.0908% | 5,575 |
| Noncurrent loans to loans | 0.1793% | 5,136 |
| Net loans and leases to total assets | 49.9571% | 4,855 |
| Net loans and leases to deposits | 63.5620% | 4,415 |
| Net loans and leases to core deposits | 63.5620% | 4,737 |
| Total domestic deposits to total assets | 78.5959% | 5,341 |
| Equity capital to assets | 10.2969% | 3,779 |
| Core capital (leverage) ratio | 10.0085% | 3,585 |
| Tier 1 risk-based capital ratio | 17.8457% | 2,184 |
| Total risk-based capital ratio | 19.0471% | 2,159 |
| Memoranda: | ||
| Average total assets | $100,671,000 | 4,582 |
| Average earning assets | $96,450,000 | 4,492 |
| Average equity | $9,921,500 | 4,801 |
| Average total loans | $47,497,000 | 4,868 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7509% | 6,233 |
| Cost of funding earning assets | 0.0152% | 6,473 |
| Net interest margin | 2.7357% | 5,890 |
| Noninterest income to average assets | 1.0029% | 1,210 |
| Noninterest expense to average assets | 3.3063% | 1,914 |
| Loan and lease loss provision to assets | -0.1940% | 6,285 |
| Net operating income to assets | 0.3865% | 5,262 |
| Return on assets (ROA) | 0.3880% | 5,326 |
| Pretax return on assets | 0.5063% | 5,235 |
| Return on Equity (ROE) | 4.2741% | 4,990 |
| Retained earnings to average equity (ytd only) | 4.2741% | 3,144 |
| Net charge-offs to loans | -0.2958% | 6,330 |
| Credit loss provision to net charge-offs | 149.2537% | 1,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4186% | 746 |
| Assets per employee ($millions) | 6.4589% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4483% | 2,705 |
| Loan loss allowance to noncurrent loans | 721.9780% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 5,675 |
| Noncurrent loans to loans | 0.2006% | 5,105 |
| Net loans and leases to total assets | 43.2612% | 5,518 |
| Net loans and leases to deposits | 54.9699% | 5,249 |
| Net loans and leases to core deposits | 54.9699% | 5,444 |
| Total domestic deposits to total assets | 78.6999% | 5,310 |
| Equity capital to assets | 9.4366% | 4,797 |
| Core capital (leverage) ratio | 10.0529% | 3,497 |
| Tier 1 risk-based capital ratio | 17.5586% | 2,294 |
| Total risk-based capital ratio | 18.7228% | 2,293 |
| Memoranda: | ||
| Average total assets | $103,105,600 | 4,526 |
| Average earning assets | $98,511,800 | 4,438 |
| Average equity | $9,358,600 | 4,890 |
| Average total loans | $45,298,800 | 4,988 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7660% | 6,303 |
| Cost of funding earning assets | 0.0149% | 6,554 |
| Net interest margin | 2.7511% | 5,938 |
| Noninterest income to average assets | 1.0118% | 1,196 |
| Noninterest expense to average assets | 3.2619% | 1,990 |
| Loan and lease loss provision to assets | -0.2588% | 6,433 |
| Net operating income to assets | 0.4742% | 4,977 |
| Return on assets (ROA) | 0.4761% | 5,050 |
| Pretax return on assets | 0.6366% | 4,917 |
| Return on Equity (ROE) | 5.2985% | 4,577 |
| Retained earnings to average equity (ytd only) | 5.2985% | 2,881 |
| Net charge-offs to loans | -0.3945% | 6,427 |
| Credit loss provision to net charge-offs | 149.2537% | 1,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6834% | 866 |
| Assets per employee ($millions) | 6.3191% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4666% | 2,872 |
| Loan loss allowance to noncurrent loans | 698.9362% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.0930% | 5,790 |
| Noncurrent loans to loans | 0.2098% | 5,274 |
| Net loans and leases to total assets | 43.6581% | 5,542 |
| Net loans and leases to deposits | 54.0791% | 5,384 |
| Net loans and leases to core deposits | 54.0791% | 5,560 |
| Total domestic deposits to total assets | 80.7301% | 4,910 |
| Equity capital to assets | 9.4900% | 4,803 |
| Core capital (leverage) ratio | 9.7556% | 3,989 |
| Tier 1 risk-based capital ratio | 17.7208% | 2,307 |
| Total risk-based capital ratio | 18.8997% | 2,298 |
| Memoranda: | ||
| Average total assets | $103,046,500 | 4,572 |
| Average earning assets | $98,334,250 | 4,485 |
| Average equity | $9,260,250 | 4,951 |
| Average total loans | $45,282,500 | 5,036 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7542% | 6,367 |
| Cost of funding earning assets | 0.0141% | 6,618 |
| Net interest margin | 2.7401% | 6,004 |
| Noninterest income to average assets | 0.9856% | 1,241 |
| Noninterest expense to average assets | 3.2288% | 2,108 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2997% | 5,563 |
| Return on assets (ROA) | 0.3028% | 5,626 |
| Pretax return on assets | 0.3800% | 5,612 |
| Return on Equity (ROE) | 3.4322% | 5,369 |
| Retained earnings to average equity (ytd only) | 3.4322% | 4,015 |
| Net charge-offs to loans | -0.1760% | 6,316 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5666% | 950 |
| Assets per employee ($millions) | 6.5799% | 973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6821% | 2,176 |
| Loan loss allowance to noncurrent loans | 313.9918% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 5,406 |
| Noncurrent loans to loans | 0.5357% | 4,402 |
| Net loans and leases to total assets | 42.3608% | 5,651 |
| Net loans and leases to deposits | 55.2107% | 5,264 |
| Net loans and leases to core deposits | 55.2107% | 5,468 |
| Total domestic deposits to total assets | 76.7257% | 5,829 |
| Equity capital to assets | 8.9059% | 5,399 |
| Core capital (leverage) ratio | 9.9164% | 3,720 |
| Tier 1 risk-based capital ratio | 16.6480% | 2,763 |
| Total risk-based capital ratio | 17.8984% | 2,728 |
| Memoranda: | ||
| Average total assets | $103,693,330 | 4,591 |
| Average earning assets | $99,120,670 | 4,488 |
| Average equity | $9,148,670 | 4,997 |
| Average total loans | $45,444,000 | 5,055 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7718% | 6,418 |
| Cost of funding earning assets | 0.0162% | 6,689 |
| Net interest margin | 2.7556% | 6,027 |
| Noninterest income to average assets | 0.9524% | 1,252 |
| Noninterest expense to average assets | 3.2497% | 2,072 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2954% | 5,510 |
| Return on assets (ROA) | 0.2954% | 5,553 |
| Pretax return on assets | 0.3537% | 5,586 |
| Return on Equity (ROE) | 3.3647% | 5,331 |
| Retained earnings to average equity (ytd only) | 3.3647% | 4,108 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1834% | 1,019 |
| Assets per employee ($millions) | 5.9899% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5841% | 2,770 |
| Loan loss allowance to noncurrent loans | 271.8045% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.2776% | 5,332 |
| Noncurrent loans to loans | 0.5828% | 4,415 |
| Net loans and leases to total assets | 46.8697% | 5,243 |
| Net loans and leases to deposits | 56.9583% | 5,038 |
| Net loans and leases to core deposits | 56.9583% | 5,285 |
| Total domestic deposits to total assets | 82.2878% | 4,858 |
| Equity capital to assets | 9.5912% | 4,366 |
| Core capital (leverage) ratio | 9.5158% | 4,254 |
| Tier 1 risk-based capital ratio | 16.9586% | 2,712 |
| Total risk-based capital ratio | 18.2026% | 2,664 |
| Memoranda: | ||
| Average total assets | $102,900,500 | 4,653 |
| Average earning assets | $98,997,000 | 4,541 |
| Average equity | $9,035,000 | 5,045 |
| Average total loans | $45,486,000 | 5,098 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9316% | 6,400 |
| Cost of funding earning assets | 0.0178% | 6,777 |
| Net interest margin | 2.9138% | 5,764 |
| Noninterest income to average assets | 1.0594% | 1,257 |
| Noninterest expense to average assets | 3.3052% | 2,130 |
| Loan and lease loss provision to assets | 0.0596% | 3,947 |
| Net operating income to assets | 0.3502% | 5,329 |
| Return on assets (ROA) | 0.3495% | 5,446 |
| Pretax return on assets | 0.4527% | 5,352 |
| Return on Equity (ROE) | 3.8589% | 5,176 |
| Retained earnings to average equity (ytd only) | 3.8589% | 3,455 |
| Net charge-offs to loans | 0.5142% | 1,282 |
| Credit loss provision to net charge-offs | 27.2727% | 4,305 |
| Earnings coverage of net charge-offs (x) | 2.3500% | 4,228 |
| Efficiency ratio | 86.5575% | 1,359 |
| Assets per employee ($millions) | 6.8727% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5950% | 2,783 |
| Loan loss allowance to noncurrent loans | 262.9091% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.2501% | 5,512 |
| Noncurrent loans to loans | 0.6067% | 4,460 |
| Net loans and leases to total assets | 40.5655% | 5,920 |
| Net loans and leases to deposits | 56.8909% | 5,221 |
| Net loans and leases to core deposits | 56.8909% | 5,470 |
| Total domestic deposits to total assets | 71.3040% | 6,460 |
| Equity capital to assets | 8.0736% | 5,962 |
| Core capital (leverage) ratio | 9.0297% | 4,951 |
| Tier 1 risk-based capital ratio | 16.4077% | 2,899 |
| Total risk-based capital ratio | 17.6586% | 2,856 |
| Memoranda: | ||
| Average total assets | $100,720,400 | 4,721 |
| Average earning assets | $95,374,600 | 4,641 |
| Average equity | $9,121,800 | 5,053 |
| Average total loans | $42,782,600 | 5,241 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9731% | 6,444 |
| Cost of funding earning assets | 0.0144% | 6,857 |
| Net interest margin | 2.9587% | 5,683 |
| Noninterest income to average assets | 1.0717% | 1,276 |
| Noninterest expense to average assets | 3.3532% | 1,934 |
| Loan and lease loss provision to assets | 0.0813% | 3,436 |
| Net operating income to assets | 0.3344% | 5,486 |
| Return on assets (ROA) | 0.3333% | 5,613 |
| Pretax return on assets | 0.4241% | 5,567 |
| Return on Equity (ROE) | 3.5718% | 5,405 |
| Retained earnings to average equity (ytd only) | 3.5718% | 4,156 |
| Net charge-offs to loans | 0.6960% | 859 |
| Credit loss provision to net charge-offs | 27.2727% | 3,946 |
| Earnings coverage of net charge-offs (x) | 1.7000% | 4,274 |
| Efficiency ratio | 86.8726% | 1,276 |
| Assets per employee ($millions) | 7.2609% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6486% | 2,803 |
| Loan loss allowance to noncurrent loans | 260.0719% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.2735% | 5,624 |
| Noncurrent loans to loans | 0.6339% | 4,610 |
| Net loans and leases to total assets | 42.4320% | 5,864 |
| Net loans and leases to deposits | 56.6816% | 5,314 |
| Net loans and leases to core deposits | 56.6816% | 5,563 |
| Total domestic deposits to total assets | 74.8603% | 6,292 |
| Equity capital to assets | 8.8380% | 5,373 |
| Core capital (leverage) ratio | 9.5611% | 4,312 |
| Tier 1 risk-based capital ratio | 16.9570% | 2,723 |
| Total risk-based capital ratio | 18.2083% | 2,688 |
| Memoranda: | ||
| Average total assets | $98,409,750 | 4,822 |
| Average earning assets | $92,740,750 | 4,757 |
| Average equity | $9,182,750 | 5,094 |
| Average total loans | $42,145,750 | 5,307 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0291% | 6,421 |
| Cost of funding earning assets | 0.0131% | 6,907 |
| Net interest margin | 3.0161% | 5,532 |
| Noninterest income to average assets | 1.1076% | 1,238 |
| Noninterest expense to average assets | 3.3865% | 1,853 |
| Loan and lease loss provision to assets | 0.1233% | 2,778 |
| Net operating income to assets | 0.3489% | 5,409 |
| Return on assets (ROA) | 0.3473% | 5,594 |
| Pretax return on assets | 0.4418% | 5,540 |
| Return on Equity (ROE) | 3.6544% | 5,357 |
| Retained earnings to average equity (ytd only) | 3.6544% | 3,986 |
| Net charge-offs to loans | 1.0583% | 571 |
| Credit loss provision to net charge-offs | 27.2727% | 3,631 |
| Earnings coverage of net charge-offs (x) | 1.2545% | 4,127 |
| Efficiency ratio | 85.6549% | 1,444 |
| Assets per employee ($millions) | 7.4544% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 2,780 |
| Loan loss allowance to noncurrent loans | 241.8060% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 5,622 |
| Noncurrent loans to loans | 0.7030% | 4,532 |
| Net loans and leases to total assets | 40.0590% | 6,039 |
| Net loans and leases to deposits | 55.7815% | 5,365 |
| Net loans and leases to core deposits | 55.7815% | 5,614 |
| Total domestic deposits to total assets | 71.8142% | 6,570 |
| Equity capital to assets | 8.4831% | 5,779 |
| Core capital (leverage) ratio | 9.5206% | 4,215 |
| Tier 1 risk-based capital ratio | 17.0248% | 2,705 |
| Total risk-based capital ratio | 18.2841% | 2,671 |
| Memoranda: | ||
| Average total assets | $97,329,000 | 4,875 |
| Average earning assets | $91,841,670 | 4,801 |
| Average equity | $9,249,000 | 5,115 |
| Average total loans | $41,575,670 | 5,351 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9894% | 6,526 |
| Cost of funding earning assets | 0.0091% | 6,988 |
| Net interest margin | 2.9803% | 5,623 |
| Noninterest income to average assets | 1.1768% | 1,085 |
| Noninterest expense to average assets | 3.5006% | 1,620 |
| Loan and lease loss provision to assets | 0.1279% | 2,639 |
| Net operating income to assets | 0.3021% | 5,559 |
| Return on assets (ROA) | 0.2985% | 5,697 |
| Pretax return on assets | 0.3496% | 5,721 |
| Return on Equity (ROE) | 2.9639% | 5,596 |
| Retained earnings to average equity (ytd only) | 2.9639% | 4,502 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9015% | 1,339 |
| Assets per employee ($millions) | 6.0911% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3250% | 1,368 |
| Loan loss allowance to noncurrent loans | 173.9048% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.5746% | 4,954 |
| Noncurrent loans to loans | 1.3370% | 3,562 |
| Net loans and leases to total assets | 41.9791% | 5,843 |
| Net loans and leases to deposits | 51.3502% | 5,678 |
| Net loans and leases to core deposits | 51.3502% | 5,870 |
| Total domestic deposits to total assets | 81.7505% | 5,279 |
| Equity capital to assets | 10.3560% | 3,725 |
| Core capital (leverage) ratio | 9.8184% | 3,641 |
| Tier 1 risk-based capital ratio | 20.2716% | 1,707 |
| Total risk-based capital ratio | 21.5326% | 1,679 |
| Memoranda: | ||
| Average total assets | $93,813,000 | 5,003 |
| Average earning assets | $88,312,000 | 4,924 |
| Average equity | $9,447,000 | 5,123 |
| Average total loans | $41,099,000 | 5,414 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2461% | 6,636 |
| Cost of funding earning assets | 0.0115% | 7,060 |
| Net interest margin | 3.2345% | 5,476 |
| Noninterest income to average assets | 1.2873% | 931 |
| Noninterest expense to average assets | 3.8214% | 1,221 |
| Loan and lease loss provision to assets | 0.1912% | 3,245 |
| Net operating income to assets | 0.2131% | 5,752 |
| Return on assets (ROA) | 0.2793% | 5,755 |
| Pretax return on assets | 0.3388% | 5,747 |
| Return on Equity (ROE) | 2.7914% | 5,633 |
| Retained earnings to average equity (ytd only) | 2.7914% | 4,276 |
| Net charge-offs to loans | 1.3473% | 706 |
| Credit loss provision to net charge-offs | 32.7273% | 5,069 |
| Earnings coverage of net charge-offs (x) | 0.7691% | 5,093 |
| Efficiency ratio | 89.4802% | 1,113 |
| Assets per employee ($millions) | 6.4173% | 1,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0568% | 1,868 |
| Loan loss allowance to noncurrent loans | 531.9277% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 6,132 |
| Noncurrent loans to loans | 0.3867% | 5,524 |
| Net loans and leases to total assets | 43.6811% | 5,845 |
| Net loans and leases to deposits | 54.6953% | 5,586 |
| Net loans and leases to core deposits | 54.6953% | 5,824 |
| Total domestic deposits to total assets | 79.8627% | 5,703 |
| Equity capital to assets | 9.7986% | 4,449 |
| Core capital (leverage) ratio | 9.5837% | 3,988 |
| Tier 1 risk-based capital ratio | 17.6664% | 2,392 |
| Total risk-based capital ratio | 18.9228% | 2,355 |
| Memoranda: | ||
| Average total assets | $94,153,400 | 4,982 |
| Average earning assets | $86,843,800 | 4,944 |
| Average equity | $9,421,800 | 5,126 |
| Average total loans | $40,823,600 | 5,465 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2586% | 6,755 |
| Cost of funding earning assets | 0.0108% | 7,160 |
| Net interest margin | 3.2477% | 5,553 |
| Noninterest income to average assets | 1.3101% | 857 |
| Noninterest expense to average assets | 3.7709% | 1,260 |
| Loan and lease loss provision to assets | 0.1923% | 3,181 |
| Net operating income to assets | 0.2646% | 5,732 |
| Return on assets (ROA) | 0.3318% | 5,707 |
| Pretax return on assets | 0.4144% | 5,683 |
| Return on Equity (ROE) | 3.2981% | 5,577 |
| Retained earnings to average equity (ytd only) | 3.2981% | 4,547 |
| Net charge-offs to loans | 1.8198% | 430 |
| Credit loss provision to net charge-offs | 24.5455% | 4,892 |
| Earnings coverage of net charge-offs (x) | 0.6673% | 4,992 |
| Efficiency ratio | 87.8275% | 1,211 |
| Assets per employee ($millions) | 6.4672% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9478% | 2,331 |
| Loan loss allowance to noncurrent loans | 343.4426% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 6,068 |
| Noncurrent loans to loans | 0.5672% | 5,307 |
| Net loans and leases to total assets | 43.4851% | 6,007 |
| Net loans and leases to deposits | 59.0804% | 5,310 |
| Net loans and leases to core deposits | 59.0804% | 5,649 |
| Total domestic deposits to total assets | 73.6032% | 6,631 |
| Equity capital to assets | 9.7435% | 4,864 |
| Core capital (leverage) ratio | 9.0291% | 5,017 |
| Tier 1 risk-based capital ratio | 17.4601% | 2,553 |
| Total risk-based capital ratio | 18.7149% | 2,517 |
| Memoranda: | ||
| Average total assets | $93,627,000 | 5,045 |
| Average earning assets | $86,007,250 | 5,016 |
| Average equity | $9,419,250 | 5,174 |
| Average total loans | $40,297,000 | 5,562 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2607% | 6,837 |
| Cost of funding earning assets | 0.0071% | 7,226 |
| Net interest margin | 3.2536% | 5,583 |
| Noninterest income to average assets | 1.3924% | 743 |
| Noninterest expense to average assets | 3.9114% | 1,060 |
| Loan and lease loss provision to assets | 0.1946% | 3,139 |
| Net operating income to assets | 0.2179% | 5,863 |
| Return on assets (ROA) | 0.3200% | 5,748 |
| Pretax return on assets | 0.4022% | 5,705 |
| Return on Equity (ROE) | 3.1461% | 5,631 |
| Retained earnings to average equity (ytd only) | 3.1461% | 4,531 |
| Net charge-offs to loans | 2.7927% | 224 |
| Credit loss provision to net charge-offs | 16.3636% | 4,663 |
| Earnings coverage of net charge-offs (x) | 0.3945% | 4,881 |
| Efficiency ratio | 89.2892% | 1,131 |
| Assets per employee ($millions) | 6.0815% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9464% | 2,385 |
| Loan loss allowance to noncurrent loans | 302.6718% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 6,051 |
| Noncurrent loans to loans | 0.6431% | 5,225 |
| Net loans and leases to total assets | 43.7921% | 6,035 |
| Net loans and leases to deposits | 55.5003% | 5,705 |
| Net loans and leases to core deposits | 55.5003% | 5,981 |
| Total domestic deposits to total assets | 78.9042% | 5,977 |
| Equity capital to assets | 10.2519% | 3,989 |
| Core capital (leverage) ratio | 9.3405% | 4,389 |
| Tier 1 risk-based capital ratio | 17.9312% | 2,316 |
| Total risk-based capital ratio | 19.1866% | 2,281 |
| Memoranda: | ||
| Average total assets | $92,500,000 | 5,100 |
| Average earning assets | $84,951,670 | 5,078 |
| Average equity | $9,408,330 | 5,181 |
| Average total loans | $39,388,670 | 5,633 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2308% | 6,931 |
| Cost of funding earning assets | 0.0047% | 7,290 |
| Net interest margin | 3.2261% | 5,716 |
| Noninterest income to average assets | 1.4344% | 704 |
| Noninterest expense to average assets | 3.6891% | 1,395 |
| Loan and lease loss provision to assets | 0.1933% | 3,014 |
| Net operating income to assets | 0.3583% | 5,439 |
| Return on assets (ROA) | 0.5712% | 4,710 |
| Pretax return on assets | 0.7687% | 4,536 |
| Return on Equity (ROE) | 5.6377% | 4,479 |
| Retained earnings to average equity (ytd only) | 5.6377% | 3,174 |
| Net charge-offs to loans | 4.0400% | 143 |
| Credit loss provision to net charge-offs | 11.5090% | 3,882 |
| Earnings coverage of net charge-offs (x) | 0.4015% | 4,153 |
| Efficiency ratio | 84.5472% | 1,635 |
| Assets per employee ($millions) | 6.0750% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4383% | 1,450 |
| Loan loss allowance to noncurrent loans | 178.8955% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.9317% | 4,656 |
| Noncurrent loans to loans | 1.3630% | 4,076 |
| Net loans and leases to total assets | 39.8255% | 6,360 |
| Net loans and leases to deposits | 49.3326% | 6,191 |
| Net loans and leases to core deposits | 49.3326% | 6,375 |
| Total domestic deposits to total assets | 80.7287% | 5,670 |
| Equity capital to assets | 10.4022% | 3,615 |
| Core capital (leverage) ratio | 9.4969% | 4,051 |
| Tier 1 risk-based capital ratio | 19.6961% | 1,782 |
| Total risk-based capital ratio | 20.9549% | 1,756 |
| Memoranda: | ||
| Average total assets | $93,139,000 | 5,123 |
| Average earning assets | $84,561,500 | 5,124 |
| Average equity | $9,436,500 | 5,184 |
| Average total loans | $38,712,500 | 5,698 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2877% | 7,096 |
| Cost of funding earning assets | 0.0044% | 7,344 |
| Net interest margin | 3.2833% | 5,863 |
| Noninterest income to average assets | 1.0436% | 1,239 |
| Noninterest expense to average assets | 3.6289% | 1,687 |
| Loan and lease loss provision to assets | 0.2420% | 3,787 |
| Net operating income to assets | 0.1414% | 5,763 |
| Return on assets (ROA) | 0.1906% | 5,748 |
| Pretax return on assets | 0.2259% | 5,725 |
| Return on Equity (ROE) | 2.0391% | 5,644 |
| Retained earnings to average equity (ytd only) | 2.0391% | 4,759 |
| Net charge-offs to loans | -0.1430% | 7,180 |
| Credit loss provision to net charge-offs | -413.7931% | 6,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8627% | 1,204 |
| Assets per employee ($millions) | 6.3435% | 1,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1148% | 737 |
| Loan loss allowance to noncurrent loans | 101.2935% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 1.4860% | 3,721 |
| Noncurrent loans to loans | 3.0750% | 2,102 |
| Net loans and leases to total assets | 40.9593% | 6,466 |
| Net loans and leases to deposits | 50.7289% | 6,310 |
| Net loans and leases to core deposits | 50.7289% | 6,488 |
| Total domestic deposits to total assets | 80.7415% | 5,534 |
| Equity capital to assets | 9.8725% | 4,339 |
| Core capital (leverage) ratio | 9.3396% | 4,269 |
| Tier 1 risk-based capital ratio | 18.9568% | 1,909 |
| Total risk-based capital ratio | 20.2242% | 1,863 |
| Memoranda: | ||
| Average total assets | $99,175,400 | 4,909 |
| Average earning assets | $90,457,800 | 4,919 |
| Average equity | $9,269,000 | 5,213 |
| Average total loans | $40,552,400 | 5,665 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3038% | 7,173 |
| Cost of funding earning assets | 0.0058% | 7,418 |
| Net interest margin | 3.2980% | 5,863 |
| Noninterest income to average assets | 0.9596% | 1,449 |
| Noninterest expense to average assets | 3.5468% | 1,818 |
| Loan and lease loss provision to assets | 0.2396% | 3,612 |
| Net operating income to assets | 0.1464% | 5,847 |
| Return on assets (ROA) | 0.1464% | 5,967 |
| Pretax return on assets | 0.1890% | 5,917 |
| Return on Equity (ROE) | 1.5876% | 5,911 |
| Retained earnings to average equity (ytd only) | 1.5876% | 5,346 |
| Net charge-offs to loans | -0.0394% | 7,010 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2200% | 1,223 |
| Assets per employee ($millions) | 6.3700% | 1,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8350% | 999 |
| Loan loss allowance to noncurrent loans | 89.4696% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 1.7091% | 3,528 |
| Noncurrent loans to loans | 3.1687% | 2,189 |
| Net loans and leases to total assets | 41.1418% | 6,550 |
| Net loans and leases to deposits | 50.4842% | 6,478 |
| Net loans and leases to core deposits | 50.4842% | 6,650 |
| Total domestic deposits to total assets | 81.4945% | 5,255 |
| Equity capital to assets | 9.8252% | 4,592 |
| Core capital (leverage) ratio | 9.1342% | 4,735 |
| Tier 1 risk-based capital ratio | 18.7396% | 2,012 |
| Total risk-based capital ratio | 20.0026% | 1,972 |
| Memoranda: | ||
| Average total assets | $100,181,000 | 4,925 |
| Average earning assets | $91,608,500 | 4,906 |
| Average equity | $9,237,750 | 5,250 |
| Average total loans | $40,633,750 | 5,717 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4124% | 7,209 |
| Cost of funding earning assets | 0.0064% | 7,490 |
| Net interest margin | 3.4059% | 5,534 |
| Noninterest income to average assets | 0.8533% | 1,791 |
| Noninterest expense to average assets | 3.4584% | 2,096 |
| Loan and lease loss provision to assets | 0.2359% | 3,552 |
| Net operating income to assets | 0.2025% | 5,732 |
| Return on assets (ROA) | 0.2025% | 5,849 |
| Pretax return on assets | 0.2753% | 5,724 |
| Return on Equity (ROE) | 2.2421% | 5,704 |
| Retained earnings to average equity (ytd only) | 2.2421% | 4,868 |
| Net charge-offs to loans | -0.0590% | 7,060 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1223% | 1,500 |
| Assets per employee ($millions) | 6.3437% | 1,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6540% | 1,236 |
| Loan loss allowance to noncurrent loans | 83.6798% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 1.3651% | 4,179 |
| Noncurrent loans to loans | 3.1716% | 2,261 |
| Net loans and leases to total assets | 41.8996% | 6,600 |
| Net loans and leases to deposits | 52.2543% | 6,449 |
| Net loans and leases to core deposits | 52.2543% | 6,650 |
| Total domestic deposits to total assets | 80.1841% | 5,774 |
| Equity capital to assets | 9.8838% | 4,290 |
| Core capital (leverage) ratio | 8.9797% | 4,754 |
| Tier 1 risk-based capital ratio | 17.8836% | 2,214 |
| Total risk-based capital ratio | 19.1449% | 2,164 |
| Memoranda: | ||
| Average total assets | $101,724,670 | 4,909 |
| Average earning assets | $93,073,670 | 4,905 |
| Average equity | $9,187,670 | 5,270 |
| Average total loans | $40,692,330 | 5,769 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3527% | 7,290 |
| Cost of funding earning assets | 0.0084% | 7,552 |
| Net interest margin | 3.3444% | 5,627 |
| Noninterest income to average assets | 0.6590% | 2,787 |
| Noninterest expense to average assets | 3.3369% | 2,452 |
| Loan and lease loss provision to assets | 0.2286% | 3,370 |
| Net operating income to assets | 0.1067% | 6,079 |
| Return on assets (ROA) | 0.1067% | 6,132 |
| Pretax return on assets | 0.1409% | 6,074 |
| Return on Equity (ROE) | 1.2336% | 6,063 |
| Retained earnings to average equity (ytd only) | 1.2336% | 5,327 |
| Net charge-offs to loans | -0.1183% | 7,130 |
| Credit loss provision to net charge-offs | -500.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0308% | 1,329 |
| Assets per employee ($millions) | 6.9175% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5214% | 1,431 |
| Loan loss allowance to noncurrent loans | 82.2258% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 1.2037% | 4,546 |
| Noncurrent loans to loans | 3.0664% | 2,448 |
| Net loans and leases to total assets | 38.2651% | 6,889 |
| Net loans and leases to deposits | 46.5235% | 6,820 |
| Net loans and leases to core deposits | 46.5235% | 6,952 |
| Total domestic deposits to total assets | 82.2490% | 5,210 |
| Equity capital to assets | 8.7719% | 5,542 |
| Core capital (leverage) ratio | 8.1532% | 6,046 |
| Tier 1 risk-based capital ratio | 17.0365% | 2,455 |
| Total risk-based capital ratio | 18.2950% | 2,428 |
| Memoranda: | ||
| Average total assets | $105,009,000 | 4,867 |
| Average earning assets | $95,683,500 | 4,859 |
| Average equity | $9,079,000 | 5,296 |
| Average total loans | $40,560,000 | 5,825 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6119% | 7,343 |
| Cost of funding earning assets | 0.0089% | 7,632 |
| Net interest margin | 3.6030% | 4,804 |
| Noninterest income to average assets | 0.8538% | 2,039 |
| Noninterest expense to average assets | 3.6354% | 1,831 |
| Loan and lease loss provision to assets | 0.4136% | 3,624 |
| Net operating income to assets | 0.1648% | 5,392 |
| Return on assets (ROA) | 0.1648% | 5,554 |
| Pretax return on assets | 0.1218% | 5,662 |
| Return on Equity (ROE) | 1.9078% | 5,418 |
| Retained earnings to average equity (ytd only) | 1.9078% | 4,526 |
| Net charge-offs to loans | 0.8521% | 2,504 |
| Credit loss provision to net charge-offs | 110.3825% | 3,987 |
| Earnings coverage of net charge-offs (x) | 1.4290% | 4,687 |
| Efficiency ratio | 87.1625% | 1,558 |
| Assets per employee ($millions) | 7.0837% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3646% | 1,600 |
| Loan loss allowance to noncurrent loans | 78.4072% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 1.1463% | 4,718 |
| Noncurrent loans to loans | 3.0157% | 2,536 |
| Net loans and leases to total assets | 37.1117% | 7,108 |
| Net loans and leases to deposits | 43.9664% | 7,121 |
| Net loans and leases to core deposits | 43.9664% | 7,205 |
| Total domestic deposits to total assets | 84.4092% | 4,168 |
| Equity capital to assets | 8.5229% | 5,821 |
| Core capital (leverage) ratio | 8.6864% | 5,044 |
| Tier 1 risk-based capital ratio | 18.4201% | 1,870 |
| Total risk-based capital ratio | 19.6776% | 1,831 |
| Memoranda: | ||
| Average total assets | $97,677,600 | 5,054 |
| Average earning assets | $89,924,200 | 5,020 |
| Average equity | $8,439,000 | 5,569 |
| Average total loans | $42,954,000 | 5,791 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6740% | 7,462 |
| Cost of funding earning assets | 0.0091% | 7,739 |
| Net interest margin | 3.6649% | 4,572 |
| Noninterest income to average assets | 0.6071% | 3,389 |
| Noninterest expense to average assets | 3.5659% | 1,863 |
| Loan and lease loss provision to assets | 0.1884% | 5,159 |
| Net operating income to assets | 0.1549% | 5,629 |
| Return on assets (ROA) | 0.1549% | 5,783 |
| Pretax return on assets | 0.2205% | 5,678 |
| Return on Equity (ROE) | 1.7864% | 5,683 |
| Retained earnings to average equity (ytd only) | 1.7864% | 5,075 |
| Net charge-offs to loans | 1.1163% | 1,824 |
| Credit loss provision to net charge-offs | 36.9863% | 6,063 |
| Earnings coverage of net charge-offs (x) | 0.8028% | 5,248 |
| Efficiency ratio | 89.7121% | 1,313 |
| Assets per employee ($millions) | 6.7684% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5876% | 3,572 |
| Loan loss allowance to noncurrent loans | 55.9543% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 1.2076% | 4,730 |
| Noncurrent loans to loans | 2.8372% | 2,818 |
| Net loans and leases to total assets | 41.8858% | 6,984 |
| Net loans and leases to deposits | 49.2923% | 7,030 |
| Net loans and leases to core deposits | 49.2923% | 7,147 |
| Total domestic deposits to total assets | 84.9743% | 3,627 |
| Equity capital to assets | 9.1120% | 5,428 |
| Core capital (leverage) ratio | 9.0083% | 4,681 |
| Tier 1 risk-based capital ratio | 17.7051% | 2,112 |
| Total risk-based capital ratio | 18.9551% | 2,077 |
| Memoranda: | ||
| Average total assets | $95,533,250 | 5,174 |
| Average earning assets | $87,786,000 | 5,150 |
| Average equity | $8,284,750 | 5,696 |
| Average total loans | $43,595,500 | 5,846 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6843% | 7,538 |
| Cost of funding earning assets | 0.0093% | 7,808 |
| Net interest margin | 3.6750% | 4,475 |
| Noninterest income to average assets | 0.5239% | 3,926 |
| Noninterest expense to average assets | 3.5815% | 1,826 |
| Loan and lease loss provision to assets | 0.1924% | 4,960 |
| Net operating income to assets | 0.0941% | 5,878 |
| Return on assets (ROA) | 0.0941% | 5,995 |
| Pretax return on assets | 0.1262% | 5,929 |
| Return on Equity (ROE) | 1.1052% | 5,918 |
| Retained earnings to average equity (ytd only) | 1.1052% | 5,320 |
| Net charge-offs to loans | 0.1647% | 4,627 |
| Credit loss provision to net charge-offs | 250.0000% | 1,522 |
| Earnings coverage of net charge-offs (x) | 4.1389% | 3,042 |
| Efficiency ratio | 91.8311% | 1,200 |
| Assets per employee ($millions) | 6.3223% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1313% | 1,907 |
| Loan loss allowance to noncurrent loans | 82.9206% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 1.1576% | 4,814 |
| Noncurrent loans to loans | 2.5703% | 3,074 |
| Net loans and leases to total assets | 44.0780% | 6,914 |
| Net loans and leases to deposits | 54.1636% | 6,851 |
| Net loans and leases to core deposits | 54.1636% | 7,025 |
| Total domestic deposits to total assets | 81.3794% | 5,257 |
| Equity capital to assets | 9.0869% | 5,313 |
| Core capital (leverage) ratio | 9.8295% | 3,366 |
| Tier 1 risk-based capital ratio | 15.4930% | 2,895 |
| Total risk-based capital ratio | 16.6888% | 2,892 |
| Memoranda: | ||
| Average total assets | $93,535,670 | 5,267 |
| Average earning assets | $85,931,330 | 5,239 |
| Average equity | $7,962,670 | 5,822 |
| Average total loans | $43,723,670 | 5,876 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7469% | 7,613 |
| Cost of funding earning assets | 0.0098% | 7,907 |
| Net interest margin | 3.7371% | 4,065 |
| Noninterest income to average assets | 0.5795% | 3,420 |
| Noninterest expense to average assets | 3.6066% | 1,723 |
| Loan and lease loss provision to assets | 0.2006% | 4,495 |
| Net operating income to assets | 0.1471% | 5,871 |
| Return on assets (ROA) | 0.1471% | 5,995 |
| Pretax return on assets | 0.1649% | 5,982 |
| Return on Equity (ROE) | 1.7964% | 5,837 |
| Retained earnings to average equity (ytd only) | 1.7964% | 5,037 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7969% | 1,369 |
| Assets per employee ($millions) | 5.4273% | 1,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2497% | 1,664 |
| Loan loss allowance to noncurrent loans | 78.7879% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 1.4061% | 4,404 |
| Noncurrent loans to loans | 2.8553% | 2,819 |
| Net loans and leases to total assets | 48.1367% | 6,665 |
| Net loans and leases to deposits | 57.1311% | 6,687 |
| Net loans and leases to core deposits | 57.1311% | 6,927 |
| Total domestic deposits to total assets | 84.2565% | 4,012 |
| Equity capital to assets | 10.4150% | 3,327 |
| Core capital (leverage) ratio | 10.1651% | 2,963 |
| Tier 1 risk-based capital ratio | 18.8023% | 1,769 |
| Total risk-based capital ratio | 20.0605% | 1,732 |
| Memoranda: | ||
| Average total assets | $89,725,000 | 5,465 |
| Average earning assets | $81,453,000 | 5,460 |
| Average equity | $7,348,000 | 6,071 |
| Average total loans | $42,806,000 | 5,992 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4899% | 7,392 |
| Cost of funding earning assets | 0.0241% | 7,989 |
| Net interest margin | 4.4659% | 1,253 |
| Noninterest income to average assets | 0.7056% | 2,930 |
| Noninterest expense to average assets | 4.0119% | 1,347 |
| Loan and lease loss provision to assets | 0.2259% | 5,559 |
| Net operating income to assets | 0.3149% | 4,476 |
| Return on assets (ROA) | 0.3149% | 4,560 |
| Pretax return on assets | 0.4093% | 4,472 |
| Return on Equity (ROE) | 4.2115% | 3,998 |
| Retained earnings to average equity (ytd only) | 2.4345% | 3,431 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3311% | 2,074 |
| Assets per employee ($millions) | 6.1743% | 1,144 |
| Cash dividends to net income (ytd only)* | 42.1941% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1400% | 1,751 |
| Loan loss allowance to noncurrent loans | 131.0000% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.7558% | 5,596 |
| Noncurrent loans to loans | 1.6336% | 4,194 |
| Net loans and leases to total assets | 45.2772% | 7,032 |
| Net loans and leases to deposits | 56.8776% | 6,863 |
| Net loans and leases to core deposits | 57.0711% | 7,367 |
| Total domestic deposits to total assets | 79.6046% | 5,814 |
| Equity capital to assets | 6.1027% | 7,653 |
| Core capital (leverage) ratio | 6.8757% | 7,329 |
| Tier 1 risk-based capital ratio | 11.2154% | 5,700 |
| Total risk-based capital ratio | 12.4726% | 5,647 |
| Memoranda: | ||
| Average total assets | $75,251,200 | 5,860 |
| Average earning assets | $66,415,000 | 5,924 |
| Average equity | $5,627,400 | 6,730 |
| Average total loans | $41,687,000 | 6,026 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7217% | 7,247 |
| Cost of funding earning assets | 0.0320% | 8,071 |
| Net interest margin | 4.6897% | 845 |
| Noninterest income to average assets | 0.7615% | 2,642 |
| Noninterest expense to average assets | 4.1178% | 1,116 |
| Loan and lease loss provision to assets | 0.1692% | 5,666 |
| Net operating income to assets | 0.4287% | 4,282 |
| Return on assets (ROA) | 0.4287% | 4,384 |
| Pretax return on assets | 0.6092% | 4,158 |
| Return on Equity (ROE) | 5.4079% | 3,786 |
| Retained earnings to average equity (ytd only) | 3.0360% | 3,629 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1014% | 2,283 |
| Assets per employee ($millions) | 4.9794% | 2,174 |
| Cash dividends to net income (ytd only)* | 43.8600% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9283% | 1,961 |
| Loan loss allowance to noncurrent loans | 161.5830% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.6935% | 5,752 |
| Noncurrent loans to loans | 1.1934% | 4,953 |
| Net loans and leases to total assets | 56.9921% | 6,032 |
| Net loans and leases to deposits | 68.2847% | 6,108 |
| Net loans and leases to core deposits | 68.5596% | 7,042 |
| Total domestic deposits to total assets | 83.4625% | 3,982 |
| Equity capital to assets | 7.5739% | 7,245 |
| Core capital (leverage) ratio | 7.5234% | 6,943 |
| Tier 1 risk-based capital ratio | 11.0309% | 5,919 |
| Total risk-based capital ratio | 12.2849% | 5,878 |
| Memoranda: | ||
| Average total assets | $70,910,500 | 6,017 |
| Average earning assets | $62,518,000 | 6,084 |
| Average equity | $5,621,250 | 6,806 |
| Average total loans | $41,396,250 | 6,090 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7540% | 7,305 |
| Cost of funding earning assets | 0.0424% | 8,164 |
| Net interest margin | 4.7116% | 780 |
| Noninterest income to average assets | 0.7868% | 2,479 |
| Noninterest expense to average assets | 4.0431% | 1,258 |
| Loan and lease loss provision to assets | 0.1723% | 5,343 |
| Net operating income to assets | 0.5083% | 4,055 |
| Return on assets (ROA) | 0.5083% | 4,175 |
| Pretax return on assets | 0.7207% | 3,933 |
| Return on Equity (ROE) | 6.3109% | 3,518 |
| Retained earnings to average equity (ytd only) | 2.7454% | 3,802 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9081% | 2,733 |
| Assets per employee ($millions) | 4.7878% | 2,340 |
| Cash dividends to net income (ytd only)* | 56.4972% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9828% | 1,605 |
| Loan loss allowance to noncurrent loans | 152.2642% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.7380% | 5,570 |
| Noncurrent loans to loans | 1.3022% | 4,600 |
| Net loans and leases to total assets | 55.5467% | 6,265 |
| Net loans and leases to deposits | 66.2416% | 6,368 |
| Net loans and leases to core deposits | 66.5177% | 7,188 |
| Total domestic deposits to total assets | 83.8548% | 3,840 |
| Equity capital to assets | 7.8073% | 6,967 |
| Core capital (leverage) ratio | 7.4013% | 7,132 |
| Tier 1 risk-based capital ratio | 12.0861% | 4,843 |
| Total risk-based capital ratio | 13.3424% | 4,759 |
| Memoranda: | ||
| Average total assets | $69,650,330 | 6,092 |
| Average earning assets | $61,337,670 | 6,171 |
| Average equity | $5,609,330 | 6,860 |
| Average total loans | $40,726,670 | 6,171 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7726% | 7,407 |
| Cost of funding earning assets | 0.0464% | 8,216 |
| Net interest margin | 4.7262% | 730 |
| Noninterest income to average assets | 0.7467% | 2,621 |
| Noninterest expense to average assets | 3.8853% | 1,325 |
| Loan and lease loss provision to assets | 0.1750% | 4,713 |
| Net operating income to assets | 0.5659% | 4,159 |
| Return on assets (ROA) | 0.5659% | 4,349 |
| Pretax return on assets | 0.8459% | 3,903 |
| Return on Equity (ROE) | 6.9156% | 3,626 |
| Retained earnings to average equity (ytd only) | 6.9156% | 2,244 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1914% | 2,967 |
| Assets per employee ($millions) | 4.8129% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8902% | 1,639 |
| Loan loss allowance to noncurrent loans | 146.0526% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.7896% | 5,201 |
| Noncurrent loans to loans | 1.2942% | 4,388 |
| Net loans and leases to total assets | 59.8531% | 5,680 |
| Net loans and leases to deposits | 76.0265% | 5,221 |
| Net loans and leases to core deposits | 76.3865% | 6,650 |
| Total domestic deposits to total assets | 78.7266% | 5,819 |
| Equity capital to assets | 8.3853% | 6,261 |
| Core capital (leverage) ratio | 7.5561% | 7,085 |
| Tier 1 risk-based capital ratio | 12.2952% | 4,710 |
| Total risk-based capital ratio | 13.5511% | 4,623 |
| Memoranda: | ||
| Average total assets | $68,567,000 | 6,153 |
| Average earning assets | $60,344,000 | 6,245 |
| Average equity | $5,610,500 | 6,914 |
| Average total loans | $40,740,500 | 6,207 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3402% | 7,550 |
| Cost of funding earning assets | 0.2464% | 8,230 |
| Net interest margin | 5.0938% | 413 |
| Noninterest income to average assets | 5.0273% | 127 |
| Noninterest expense to average assets | 4.4665% | 894 |
| Loan and lease loss provision to assets | 0.0995% | 6,105 |
| Net operating income to assets | 3.3963% | 52 |
| Return on assets (ROA) | 3.3963% | 52 |
| Pretax return on assets | 5.0920% | 48 |
| Return on Equity (ROE) | 40.4817% | 16 |
| Retained earnings to average equity (ytd only) | 39.4534% | 5 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2463% | 7,914 |
| Assets per employee ($millions) | 4.9824% | 1,955 |
| Cash dividends to net income (ytd only)* | 2.5403% | 4,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8502% | 1,529 |
| Loan loss allowance to noncurrent loans | 140.4135% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.7627% | 4,935 |
| Noncurrent loans to loans | 1.3176% | 3,877 |
| Net loans and leases to total assets | 56.8111% | 6,347 |
| Net loans and leases to deposits | 68.7974% | 6,389 |
| Net loans and leases to core deposits | 69.0973% | 7,242 |
| Total domestic deposits to total assets | 82.5773% | 3,960 |
| Equity capital to assets | 7.9866% | 6,861 |
| Core capital (leverage) ratio | 7.0108% | 7,685 |
| Tier 1 risk-based capital ratio | 12.0105% | 4,814 |
| Total risk-based capital ratio | 13.2656% | 4,695 |
| Memoranda: | ||
| Average total assets | $60,271,400 | 6,375 |
| Average earning assets | $54,792,000 | 6,377 |
| Average equity | $5,056,600 | 7,129 |
| Average total loans | $36,841,800 | 6,323 |