Home > Patriot Federal Bank > Performance and Condition Ratios
Patriot Federal Bank, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4613% | 1,754 |
| Cost of funding earning assets | 0.7134% | 908 |
| Net interest margin | 3.7479% | 2,584 |
| Noninterest income to average assets | 0.3633% | 3,931 |
| Noninterest expense to average assets | 3.1782% | 1,608 |
| Loan and lease loss provision to assets | 0.0836% | 2,421 |
| Net operating income to assets | 0.2753% | 5,261 |
| Return on assets (ROA) | 0.2759% | 5,280 |
| Pretax return on assets | 0.6457% | 4,742 |
| Return on Equity (ROE) | 3.1425% | 5,072 |
| Retained earnings to average equity (ytd only) | 3.1425% | 4,033 |
| Net charge-offs to loans | -0.0067% | 4,524 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3555% | 971 |
| Assets per employee ($millions) | 5.1109% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5339% | 1,410 |
| Loan loss allowance to noncurrent loans | 543.3908% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.2432% | 4,084 |
| Noncurrent loans to loans | 0.2823% | 3,938 |
| Net loans and leases to total assets | 84.8231% | 354 |
| Net loans and leases to deposits | 97.9235% | 927 |
| Net loans and leases to core deposits | 105.4109% | 1,308 |
| Total domestic deposits to total assets | 86.6218% | 2,036 |
| Equity capital to assets | 8.9717% | 4,938 |
| Core capital (leverage) ratio | 8.7265% | 5,032 |
| Tier 1 risk-based capital ratio | 13.4008% | 3,765 |
| Total risk-based capital ratio | 14.6600% | 3,678 |
| Memoranda: | ||
| Average total assets | $143,514,250 | 3,590 |
| Average earning assets | $135,681,250 | 3,538 |
| Average equity | $12,601,250 | 4,083 |
| Average total loans | $119,797,000 | 3,089 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3736% | 1,902 |
| Cost of funding earning assets | 0.6969% | 906 |
| Net interest margin | 3.6767% | 2,733 |
| Noninterest income to average assets | 0.3634% | 3,957 |
| Noninterest expense to average assets | 3.1869% | 1,607 |
| Loan and lease loss provision to assets | 0.0835% | 2,314 |
| Net operating income to assets | 0.2297% | 5,351 |
| Return on assets (ROA) | 0.2297% | 5,368 |
| Pretax return on assets | 0.5820% | 4,839 |
| Return on Equity (ROE) | 2.6354% | 5,208 |
| Retained earnings to average equity (ytd only) | 2.6354% | 4,123 |
| Net charge-offs to loans | 0.0118% | 3,043 |
| Credit loss provision to net charge-offs | 857.1429% | 433 |
| Earnings coverage of net charge-offs (x) | 68.2857% | 855 |
| Efficiency ratio | 82.7250% | 943 |
| Assets per employee ($millions) | 5.0016% | 2,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5249% | 1,503 |
| Loan loss allowance to noncurrent loans | 609.9010% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 4,335 |
| Noncurrent loans to loans | 0.2500% | 4,138 |
| Net loans and leases to total assets | 82.2779% | 629 |
| Net loans and leases to deposits | 96.5432% | 1,026 |
| Net loans and leases to core deposits | 103.5371% | 1,389 |
| Total domestic deposits to total assets | 85.2239% | 2,723 |
| Equity capital to assets | 8.8035% | 5,066 |
| Core capital (leverage) ratio | 8.7190% | 5,033 |
| Tier 1 risk-based capital ratio | 13.2795% | 3,815 |
| Total risk-based capital ratio | 14.5374% | 3,732 |
| Memoranda: | ||
| Average total assets | $143,650,330 | 3,605 |
| Average earning assets | $136,317,670 | 3,552 |
| Average equity | $12,522,000 | 4,107 |
| Average total loans | $118,636,670 | 3,113 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3696% | 1,753 |
| Cost of funding earning assets | 0.6791% | 935 |
| Net interest margin | 3.6905% | 2,515 |
| Noninterest income to average assets | 0.3749% | 3,840 |
| Noninterest expense to average assets | 3.2374% | 1,512 |
| Loan and lease loss provision to assets | 0.0839% | 2,137 |
| Net operating income to assets | 0.2183% | 5,370 |
| Return on assets (ROA) | 0.2183% | 5,381 |
| Pretax return on assets | 0.5512% | 4,839 |
| Return on Equity (ROE) | 2.5164% | 5,226 |
| Retained earnings to average equity (ytd only) | 2.5164% | 4,135 |
| Net charge-offs to loans | 0.0239% | 2,282 |
| Credit loss provision to net charge-offs | 428.5714% | 624 |
| Earnings coverage of net charge-offs (x) | 32.4286% | 1,171 |
| Efficiency ratio | 83.5983% | 1,007 |
| Assets per employee ($millions) | 4.8220% | 2,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 1,600 |
| Loan loss allowance to noncurrent loans | 431.8290% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.2910% | 4,044 |
| Noncurrent loans to loans | 0.3534% | 3,829 |
| Net loans and leases to total assets | 81.1026% | 677 |
| Net loans and leases to deposits | 96.3275% | 910 |
| Net loans and leases to core deposits | 102.9194% | 1,298 |
| Total domestic deposits to total assets | 84.1947% | 3,399 |
| Equity capital to assets | 8.6223% | 5,132 |
| Core capital (leverage) ratio | 8.7794% | 4,975 |
| Tier 1 risk-based capital ratio | 13.2284% | 3,925 |
| Total risk-based capital ratio | 14.4859% | 3,845 |
| Memoranda: | ||
| Average total assets | $142,953,000 | 3,651 |
| Average earning assets | $135,482,000 | 3,598 |
| Average equity | $12,398,500 | 4,148 |
| Average total loans | $117,361,000 | 3,156 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2866% | 2,184 |
| Cost of funding earning assets | 0.6686% | 957 |
| Net interest margin | 3.6180% | 3,004 |
| Noninterest income to average assets | 0.4110% | 3,800 |
| Noninterest expense to average assets | 3.0413% | 2,214 |
| Loan and lease loss provision to assets | 0.2011% | 1,149 |
| Net operating income to assets | 0.3694% | 5,035 |
| Return on assets (ROA) | 0.3755% | 5,097 |
| Pretax return on assets | 0.6106% | 4,755 |
| Return on Equity (ROE) | 4.1032% | 4,795 |
| Retained earnings to average equity (ytd only) | 4.1032% | 2,989 |
| Net charge-offs to loans | 0.0253% | 3,537 |
| Credit loss provision to net charge-offs | 1,007.4074% | 375 |
| Earnings coverage of net charge-offs (x) | 40.1852% | 1,172 |
| Efficiency ratio | 79.1306% | 1,536 |
| Assets per employee ($millions) | 4.5563% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 1,497 |
| Loan loss allowance to noncurrent loans | 278.7267% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.4559% | 3,435 |
| Noncurrent loans to loans | 0.5572% | 3,174 |
| Net loans and leases to total assets | 80.5587% | 803 |
| Net loans and leases to deposits | 96.2665% | 971 |
| Net loans and leases to core deposits | 100.9394% | 1,548 |
| Total domestic deposits to total assets | 83.6831% | 3,545 |
| Equity capital to assets | 8.7252% | 5,083 |
| Core capital (leverage) ratio | 8.8440% | 4,917 |
| Tier 1 risk-based capital ratio | 13.5283% | 3,753 |
| Total risk-based capital ratio | 14.7862% | 3,656 |
| Memoranda: | ||
| Average total assets | $135,271,800 | 3,749 |
| Average earning assets | $128,328,800 | 3,681 |
| Average equity | $12,380,600 | 4,193 |
| Average total loans | $106,915,600 | 3,263 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2540% | 2,322 |
| Cost of funding earning assets | 0.6628% | 991 |
| Net interest margin | 3.5912% | 3,107 |
| Noninterest income to average assets | 0.4266% | 3,721 |
| Noninterest expense to average assets | 3.0537% | 2,149 |
| Loan and lease loss provision to assets | 0.2213% | 935 |
| Net operating income to assets | 0.3483% | 5,170 |
| Return on assets (ROA) | 0.3508% | 5,245 |
| Pretax return on assets | 0.5631% | 4,968 |
| Return on Equity (ROE) | 3.7864% | 4,990 |
| Retained earnings to average equity (ytd only) | 3.7864% | 3,618 |
| Net charge-offs to loans | 0.0344% | 2,946 |
| Credit loss provision to net charge-offs | 822.2222% | 490 |
| Earnings coverage of net charge-offs (x) | 28.9992% | 1,525 |
| Efficiency ratio | 79.6465% | 1,479 |
| Assets per employee ($millions) | 4.5068% | 3,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5667% | 1,576 |
| Loan loss allowance to noncurrent loans | 176.6194% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.7072% | 2,794 |
| Noncurrent loans to loans | 0.8870% | 2,487 |
| Net loans and leases to total assets | 78.4729% | 1,124 |
| Net loans and leases to deposits | 93.5078% | 1,319 |
| Net loans and leases to core deposits | 97.8561% | 1,827 |
| Total domestic deposits to total assets | 83.9212% | 3,232 |
| Equity capital to assets | 9.0658% | 5,111 |
| Core capital (leverage) ratio | 8.8429% | 5,008 |
| Tier 1 risk-based capital ratio | 13.4694% | 3,878 |
| Total risk-based capital ratio | 14.7268% | 3,785 |
| Memoranda: | ||
| Average total assets | $133,778,250 | 3,793 |
| Average earning assets | $126,935,750 | 3,724 |
| Average equity | $12,394,750 | 4,226 |
| Average total loans | $104,749,250 | 3,312 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2623% | 2,287 |
| Cost of funding earning assets | 0.6533% | 1,039 |
| Net interest margin | 3.6090% | 3,069 |
| Noninterest income to average assets | 0.3642% | 4,155 |
| Noninterest expense to average assets | 3.0303% | 2,252 |
| Loan and lease loss provision to assets | 0.2276% | 902 |
| Net operating income to assets | 0.3293% | 5,238 |
| Return on assets (ROA) | 0.3293% | 5,320 |
| Pretax return on assets | 0.5266% | 5,086 |
| Return on Equity (ROE) | 3.5272% | 5,086 |
| Retained earnings to average equity (ytd only) | 3.5272% | 3,653 |
| Net charge-offs to loans | -0.0059% | 4,571 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0722% | 1,487 |
| Assets per employee ($millions) | 4.6783% | 2,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6038% | 1,519 |
| Loan loss allowance to noncurrent loans | 181.3632% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.7842% | 2,638 |
| Noncurrent loans to loans | 0.8843% | 2,524 |
| Net loans and leases to total assets | 77.0129% | 1,335 |
| Net loans and leases to deposits | 92.9268% | 1,403 |
| Net loans and leases to core deposits | 97.2098% | 1,871 |
| Total domestic deposits to total assets | 82.8749% | 3,701 |
| Equity capital to assets | 9.2738% | 5,002 |
| Core capital (leverage) ratio | 9.0119% | 4,814 |
| Tier 1 risk-based capital ratio | 13.3606% | 3,980 |
| Total risk-based capital ratio | 14.6174% | 3,893 |
| Memoranda: | ||
| Average total assets | $131,800,330 | 3,850 |
| Average earning assets | $124,909,330 | 3,781 |
| Average equity | $12,304,330 | 4,265 |
| Average total loans | $102,538,670 | 3,361 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2725% | 2,228 |
| Cost of funding earning assets | 0.6359% | 1,123 |
| Net interest margin | 3.6367% | 2,932 |
| Noninterest income to average assets | 0.3511% | 4,215 |
| Noninterest expense to average assets | 3.0986% | 2,107 |
| Loan and lease loss provision to assets | 0.2310% | 795 |
| Net operating income to assets | 0.2988% | 5,310 |
| Return on assets (ROA) | 0.2988% | 5,388 |
| Pretax return on assets | 0.4743% | 5,151 |
| Return on Equity (ROE) | 3.1893% | 5,172 |
| Retained earnings to average equity (ytd only) | 3.1893% | 3,912 |
| Net charge-offs to loans | -0.0159% | 4,744 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4575% | 1,425 |
| Assets per employee ($millions) | 4.4961% | 3,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5964% | 1,616 |
| Loan loss allowance to noncurrent loans | 169.1589% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.8344% | 2,602 |
| Noncurrent loans to loans | 0.9437% | 2,493 |
| Net loans and leases to total assets | 77.0121% | 1,245 |
| Net loans and leases to deposits | 95.0467% | 1,039 |
| Net loans and leases to core deposits | 98.7335% | 1,584 |
| Total domestic deposits to total assets | 81.0256% | 4,489 |
| Equity capital to assets | 9.4312% | 4,738 |
| Core capital (leverage) ratio | 9.1949% | 4,602 |
| Tier 1 risk-based capital ratio | 14.2989% | 3,496 |
| Total risk-based capital ratio | 15.5564% | 3,421 |
| Memoranda: | ||
| Average total assets | $129,864,500 | 3,914 |
| Average earning assets | $123,299,000 | 3,839 |
| Average equity | $12,165,500 | 4,307 |
| Average total loans | $100,714,000 | 3,409 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2424% | 2,414 |
| Cost of funding earning assets | 0.6396% | 1,130 |
| Net interest margin | 3.6028% | 3,126 |
| Noninterest income to average assets | 0.4092% | 3,963 |
| Noninterest expense to average assets | 3.0335% | 2,435 |
| Loan and lease loss provision to assets | 0.3905% | 357 |
| Net operating income to assets | 0.2662% | 5,444 |
| Return on assets (ROA) | 0.2749% | 5,504 |
| Pretax return on assets | 0.3913% | 5,333 |
| Return on Equity (ROE) | 2.9995% | 5,304 |
| Retained earnings to average equity (ytd only) | 2.9995% | 3,929 |
| Net charge-offs to loans | 0.2146% | 1,373 |
| Credit loss provision to net charge-offs | 237.2642% | 1,203 |
| Earnings coverage of net charge-offs (x) | 4.6745% | 3,506 |
| Efficiency ratio | 79.7673% | 1,709 |
| Assets per employee ($millions) | 4.4601% | 3,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5596% | 1,762 |
| Loan loss allowance to noncurrent loans | 184.0855% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.7476% | 2,814 |
| Noncurrent loans to loans | 0.8472% | 2,670 |
| Net loans and leases to total assets | 75.6407% | 1,473 |
| Net loans and leases to deposits | 92.6153% | 1,334 |
| Net loans and leases to core deposits | 95.1101% | 1,930 |
| Total domestic deposits to total assets | 81.6720% | 4,275 |
| Equity capital to assets | 9.3039% | 4,787 |
| Core capital (leverage) ratio | 9.2350% | 4,571 |
| Tier 1 risk-based capital ratio | 14.2732% | 3,566 |
| Total risk-based capital ratio | 15.5304% | 3,478 |
| Memoranda: | ||
| Average total assets | $128,793,800 | 3,912 |
| Average earning assets | $121,321,800 | 3,854 |
| Average equity | $11,802,000 | 4,340 |
| Average total loans | $98,789,800 | 3,405 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2743% | 2,316 |
| Cost of funding earning assets | 0.6388% | 1,158 |
| Net interest margin | 3.6355% | 3,015 |
| Noninterest income to average assets | 0.4187% | 3,941 |
| Noninterest expense to average assets | 3.0281% | 2,439 |
| Loan and lease loss provision to assets | 0.4176% | 278 |
| Net operating income to assets | 0.2777% | 5,521 |
| Return on assets (ROA) | 0.2777% | 5,598 |
| Pretax return on assets | 0.3938% | 5,470 |
| Return on Equity (ROE) | 3.0426% | 5,373 |
| Retained earnings to average equity (ytd only) | 3.0426% | 4,277 |
| Net charge-offs to loans | 0.1730% | 1,443 |
| Credit loss provision to net charge-offs | 314.8438% | 926 |
| Earnings coverage of net charge-offs (x) | 6.1173% | 3,099 |
| Efficiency ratio | 78.8664% | 1,830 |
| Assets per employee ($millions) | 4.2490% | 3,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5973% | 1,801 |
| Loan loss allowance to noncurrent loans | 142.6977% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.8928% | 2,639 |
| Noncurrent loans to loans | 1.1194% | 2,265 |
| Net loans and leases to total assets | 74.1372% | 1,714 |
| Net loans and leases to deposits | 91.8512% | 1,427 |
| Net loans and leases to core deposits | 94.3868% | 2,039 |
| Total domestic deposits to total assets | 80.7145% | 4,542 |
| Equity capital to assets | 9.3395% | 4,955 |
| Core capital (leverage) ratio | 9.0034% | 4,994 |
| Tier 1 risk-based capital ratio | 14.4652% | 3,595 |
| Total risk-based capital ratio | 15.7229% | 3,500 |
| Memoranda: | ||
| Average total assets | $128,656,500 | 3,955 |
| Average earning assets | $121,062,000 | 3,900 |
| Average equity | $11,744,000 | 4,400 |
| Average total loans | $98,640,750 | 3,437 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2359% | 2,406 |
| Cost of funding earning assets | 0.6300% | 1,228 |
| Net interest margin | 3.6059% | 3,069 |
| Noninterest income to average assets | 0.3270% | 4,606 |
| Noninterest expense to average assets | 3.0112% | 2,519 |
| Loan and lease loss provision to assets | 0.3688% | 346 |
| Net operating income to assets | 0.2495% | 5,583 |
| Return on assets (ROA) | 0.2495% | 5,657 |
| Pretax return on assets | 0.3533% | 5,562 |
| Return on Equity (ROE) | 2.7544% | 5,493 |
| Retained earnings to average equity (ytd only) | 2.7544% | 4,300 |
| Net charge-offs to loans | 0.1407% | 1,658 |
| Credit loss provision to net charge-offs | 340.0000% | 852 |
| Earnings coverage of net charge-offs (x) | 6.6571% | 2,756 |
| Efficiency ratio | 80.6559% | 1,667 |
| Assets per employee ($millions) | 4.7731% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3633% | 2,917 |
| Loan loss allowance to noncurrent loans | 137.8744% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.8710% | 2,805 |
| Noncurrent loans to loans | 0.9888% | 2,667 |
| Net loans and leases to total assets | 77.2518% | 1,170 |
| Net loans and leases to deposits | 97.6330% | 823 |
| Net loans and leases to core deposits | 100.0039% | 1,490 |
| Total domestic deposits to total assets | 79.1247% | 5,072 |
| Equity capital to assets | 8.6781% | 5,544 |
| Core capital (leverage) ratio | 9.0252% | 4,931 |
| Tier 1 risk-based capital ratio | 13.7532% | 4,063 |
| Total risk-based capital ratio | 15.0082% | 3,998 |
| Memoranda: | ||
| Average total assets | $129,052,330 | 3,980 |
| Average earning assets | $121,910,330 | 3,912 |
| Average equity | $11,690,330 | 4,441 |
| Average total loans | $99,509,000 | 3,449 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2817% | 2,158 |
| Cost of funding earning assets | 0.6307% | 1,228 |
| Net interest margin | 3.6509% | 2,813 |
| Noninterest income to average assets | 0.3313% | 4,538 |
| Noninterest expense to average assets | 3.0673% | 2,372 |
| Loan and lease loss provision to assets | 0.3945% | 301 |
| Net operating income to assets | 0.2272% | 5,618 |
| Return on assets (ROA) | 0.2272% | 5,706 |
| Pretax return on assets | 0.3219% | 5,601 |
| Return on Equity (ROE) | 2.4539% | 5,552 |
| Retained earnings to average equity (ytd only) | 2.4539% | 4,462 |
| Net charge-offs to loans | 0.0784% | 1,919 |
| Credit loss provision to net charge-offs | 657.8947% | 445 |
| Earnings coverage of net charge-offs (x) | 11.9474% | 1,828 |
| Efficiency ratio | 81.0676% | 1,752 |
| Assets per employee ($millions) | 4.4113% | 3,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 3,000 |
| Loan loss allowance to noncurrent loans | 130.4971% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.8692% | 2,906 |
| Noncurrent loans to loans | 1.0601% | 2,643 |
| Net loans and leases to total assets | 76.0609% | 1,198 |
| Net loans and leases to deposits | 97.3673% | 737 |
| Net loans and leases to core deposits | 99.6110% | 1,348 |
| Total domestic deposits to total assets | 78.1175% | 5,423 |
| Equity capital to assets | 9.2426% | 5,036 |
| Core capital (leverage) ratio | 8.9996% | 4,953 |
| Tier 1 risk-based capital ratio | 14.3495% | 3,800 |
| Total risk-based capital ratio | 15.6042% | 3,720 |
| Memoranda: | ||
| Average total assets | $126,755,500 | 4,051 |
| Average earning assets | $119,860,000 | 3,978 |
| Average equity | $11,736,500 | 4,463 |
| Average total loans | $96,928,000 | 3,507 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1717% | 3,040 |
| Cost of funding earning assets | 0.6185% | 1,616 |
| Net interest margin | 3.5532% | 3,590 |
| Noninterest income to average assets | 0.2867% | 5,074 |
| Noninterest expense to average assets | 3.2108% | 2,182 |
| Loan and lease loss provision to assets | 0.5256% | 278 |
| Net operating income to assets | -0.0757% | 6,135 |
| Return on assets (ROA) | 0.0085% | 6,102 |
| Pretax return on assets | 0.0119% | 6,084 |
| Return on Equity (ROE) | 0.0888% | 6,100 |
| Retained earnings to average equity (ytd only) | 0.0888% | 5,729 |
| Net charge-offs to loans | 0.4507% | 932 |
| Credit loss provision to net charge-offs | 167.3913% | 1,461 |
| Earnings coverage of net charge-offs (x) | 1.3342% | 4,444 |
| Efficiency ratio | 88.4579% | 952 |
| Assets per employee ($millions) | 4.4851% | 3,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3227% | 3,301 |
| Loan loss allowance to noncurrent loans | 119.1107% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.8735% | 3,022 |
| Noncurrent loans to loans | 1.1104% | 2,613 |
| Net loans and leases to total assets | 74.7942% | 1,449 |
| Net loans and leases to deposits | 96.9489% | 835 |
| Net loans and leases to core deposits | 99.3579% | 1,432 |
| Total domestic deposits to total assets | 77.1480% | 5,574 |
| Equity capital to assets | 9.2760% | 4,972 |
| Core capital (leverage) ratio | 9.1090% | 4,812 |
| Tier 1 risk-based capital ratio | 14.6870% | 3,669 |
| Total risk-based capital ratio | 15.9417% | 3,587 |
| Memoranda: | ||
| Average total assets | $117,197,400 | 4,238 |
| Average earning assets | $110,267,600 | 4,179 |
| Average equity | $11,255,200 | 4,510 |
| Average total loans | $81,659,600 | 3,829 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1340% | 3,241 |
| Cost of funding earning assets | 0.6198% | 1,675 |
| Net interest margin | 3.5142% | 3,772 |
| Noninterest income to average assets | 0.2815% | 5,190 |
| Noninterest expense to average assets | 3.2770% | 1,954 |
| Loan and lease loss provision to assets | 0.4576% | 339 |
| Net operating income to assets | -0.1060% | 6,222 |
| Return on assets (ROA) | -0.0591% | 6,197 |
| Pretax return on assets | -0.0834% | 6,191 |
| Return on Equity (ROE) | -0.6095% | 6,201 |
| Retained earnings to average equity (ytd only) | -0.6095% | 5,894 |
| Net charge-offs to loans | 0.5365% | 716 |
| Credit loss provision to net charge-offs | 125.3968% | 1,830 |
| Earnings coverage of net charge-offs (x) | 0.8444% | 4,301 |
| Efficiency ratio | 91.4055% | 742 |
| Assets per employee ($millions) | 4.3702% | 3,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 3,921 |
| Loan loss allowance to noncurrent loans | 91.0684% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 0.9790% | 3,007 |
| Noncurrent loans to loans | 1.3765% | 2,355 |
| Net loans and leases to total assets | 70.2325% | 2,158 |
| Net loans and leases to deposits | 91.5814% | 1,275 |
| Net loans and leases to core deposits | 93.9173% | 1,873 |
| Total domestic deposits to total assets | 76.6886% | 5,730 |
| Equity capital to assets | 9.3589% | 4,964 |
| Core capital (leverage) ratio | 9.2225% | 4,748 |
| Tier 1 risk-based capital ratio | 15.5564% | 3,280 |
| Total risk-based capital ratio | 16.8080% | 3,219 |
| Memoranda: | ||
| Average total assets | $115,101,250 | 4,317 |
| Average earning assets | $108,205,250 | 4,261 |
| Average equity | $11,156,750 | 4,561 |
| Average total loans | $78,277,750 | 3,951 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1406% | 3,186 |
| Cost of funding earning assets | 0.6255% | 1,679 |
| Net interest margin | 3.5150% | 3,719 |
| Noninterest income to average assets | 0.2698% | 5,276 |
| Noninterest expense to average assets | 3.2925% | 1,941 |
| Loan and lease loss provision to assets | 0.1704% | 1,439 |
| Net operating income to assets | 0.0763% | 6,089 |
| Return on assets (ROA) | 0.0763% | 6,111 |
| Pretax return on assets | 0.1083% | 6,082 |
| Return on Equity (ROE) | 0.7777% | 6,095 |
| Retained earnings to average equity (ytd only) | 0.7777% | 5,435 |
| Net charge-offs to loans | -0.0133% | 5,404 |
| Credit loss provision to net charge-offs | -1,920.0000% | 5,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1968% | 752 |
| Assets per employee ($millions) | 4.3196% | 3,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3878% | 3,416 |
| Loan loss allowance to noncurrent loans | 100.8167% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 0.9277% | 3,224 |
| Noncurrent loans to loans | 1.3766% | 2,510 |
| Net loans and leases to total assets | 65.2705% | 2,868 |
| Net loans and leases to deposits | 84.1809% | 2,021 |
| Net loans and leases to core deposits | 86.5690% | 2,463 |
| Total domestic deposits to total assets | 77.5360% | 5,713 |
| Equity capital to assets | 9.4445% | 4,796 |
| Core capital (leverage) ratio | 9.3892% | 4,481 |
| Tier 1 risk-based capital ratio | 16.8543% | 2,684 |
| Total risk-based capital ratio | 18.1098% | 2,647 |
| Memoranda: | ||
| Average total assets | $112,680,000 | 4,397 |
| Average earning assets | $105,830,670 | 4,330 |
| Average equity | $11,058,330 | 4,596 |
| Average total loans | $75,360,000 | 4,064 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1522% | 3,063 |
| Cost of funding earning assets | 0.6430% | 1,631 |
| Net interest margin | 3.5092% | 3,654 |
| Noninterest income to average assets | 0.3022% | 4,938 |
| Noninterest expense to average assets | 3.4124% | 1,666 |
| Loan and lease loss provision to assets | 0.1142% | 2,047 |
| Net operating income to assets | 0.0516% | 6,122 |
| Return on assets (ROA) | 0.0516% | 6,143 |
| Pretax return on assets | 0.0737% | 6,116 |
| Return on Equity (ROE) | 0.5149% | 6,136 |
| Retained earnings to average equity (ytd only) | 0.5149% | 5,377 |
| Net charge-offs to loans | -0.0164% | 5,257 |
| Credit loss provision to net charge-offs | -1,033.3333% | 5,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7799% | 707 |
| Assets per employee ($millions) | 3.8033% | 4,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4055% | 3,573 |
| Loan loss allowance to noncurrent loans | 74.6077% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 1.3074% | 2,684 |
| Noncurrent loans to loans | 1.8839% | 2,019 |
| Net loans and leases to total assets | 66.5252% | 2,481 |
| Net loans and leases to deposits | 81.3513% | 2,123 |
| Net loans and leases to core deposits | 83.9692% | 2,521 |
| Total domestic deposits to total assets | 81.7752% | 5,004 |
| Equity capital to assets | 9.9896% | 3,854 |
| Core capital (leverage) ratio | 10.2797% | 3,190 |
| Tier 1 risk-based capital ratio | 18.2108% | 2,201 |
| Total risk-based capital ratio | 19.4667% | 2,168 |
| Memoranda: | ||
| Average total assets | $108,545,500 | 4,521 |
| Average earning assets | $102,019,000 | 4,449 |
| Average equity | $10,876,000 | 4,650 |
| Average total loans | $73,012,500 | 4,166 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1208% | 3,661 |
| Cost of funding earning assets | 0.7594% | 1,445 |
| Net interest margin | 3.3614% | 4,428 |
| Noninterest income to average assets | 0.1909% | 5,947 |
| Noninterest expense to average assets | 3.0999% | 2,733 |
| Loan and lease loss provision to assets | 0.1586% | 2,301 |
| Net operating income to assets | 0.0375% | 6,154 |
| Return on assets (ROA) | 0.0930% | 6,112 |
| Pretax return on assets | 0.1322% | 6,041 |
| Return on Equity (ROE) | 1.0083% | 6,081 |
| Retained earnings to average equity (ytd only) | -0.7536% | 6,019 |
| Net charge-offs to loans | 0.1007% | 3,828 |
| Credit loss provision to net charge-offs | 249.2308% | 912 |
| Earnings coverage of net charge-offs (x) | 3.3231% | 3,891 |
| Efficiency ratio | 93.6132% | 768 |
| Assets per employee ($millions) | 3.6826% | 4,521 |
| Cash dividends to net income (ytd only)* | 174.7368% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4119% | 3,594 |
| Loan loss allowance to noncurrent loans | 86.2628% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 1.0974% | 3,214 |
| Noncurrent loans to loans | 1.6368% | 2,449 |
| Net loans and leases to total assets | 66.1017% | 2,678 |
| Net loans and leases to deposits | 78.4517% | 2,668 |
| Net loans and leases to core deposits | 81.8329% | 2,915 |
| Total domestic deposits to total assets | 84.2578% | 4,073 |
| Equity capital to assets | 10.0509% | 3,693 |
| Core capital (leverage) ratio | 10.5156% | 2,899 |
| Tier 1 risk-based capital ratio | 18.6755% | 2,021 |
| Total risk-based capital ratio | 19.9271% | 1,985 |
| Memoranda: | ||
| Average total assets | $102,132,800 | 4,693 |
| Average earning assets | $94,812,600 | 4,659 |
| Average equity | $9,421,400 | 4,998 |
| Average total loans | $64,517,400 | 4,463 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0555% | 3,911 |
| Cost of funding earning assets | 0.7894% | 1,386 |
| Net interest margin | 3.2661% | 4,765 |
| Noninterest income to average assets | 0.1756% | 6,138 |
| Noninterest expense to average assets | 3.0570% | 2,797 |
| Loan and lease loss provision to assets | 0.1479% | 2,430 |
| Net operating income to assets | -0.0060% | 6,304 |
| Return on assets (ROA) | 0.0700% | 6,246 |
| Pretax return on assets | 0.0990% | 6,211 |
| Return on Equity (ROE) | 0.7771% | 6,216 |
| Retained earnings to average equity (ytd only) | -1.6716% | 6,227 |
| Net charge-offs to loans | 0.0765% | 3,851 |
| Credit loss provision to net charge-offs | 311.1111% | 820 |
| Earnings coverage of net charge-offs (x) | 2.9444% | 3,856 |
| Efficiency ratio | 95.6216% | 643 |
| Assets per employee ($millions) | 3.9136% | 4,010 |
| Cash dividends to net income (ytd only)* | 315.1146% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4775% | 3,552 |
| Loan loss allowance to noncurrent loans | 70.2626% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 1.3344% | 2,971 |
| Noncurrent loans to loans | 2.1028% | 2,126 |
| Net loans and leases to total assets | 62.4765% | 3,269 |
| Net loans and leases to deposits | 73.0551% | 3,394 |
| Net loans and leases to core deposits | 75.4127% | 3,681 |
| Total domestic deposits to total assets | 85.5196% | 3,486 |
| Equity capital to assets | 10.1394% | 3,717 |
| Core capital (leverage) ratio | 10.0052% | 3,673 |
| Tier 1 risk-based capital ratio | 18.3835% | 2,180 |
| Total risk-based capital ratio | 19.6394% | 2,145 |
| Memoranda: | ||
| Average total assets | $100,967,000 | 4,763 |
| Average earning assets | $93,402,250 | 4,743 |
| Average equity | $9,093,250 | 5,117 |
| Average total loans | $62,745,500 | 4,562 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0280% | 4,004 |
| Cost of funding earning assets | 0.8290% | 1,267 |
| Net interest margin | 3.1989% | 4,951 |
| Noninterest income to average assets | 0.1348% | 6,382 |
| Noninterest expense to average assets | 3.0523% | 2,827 |
| Loan and lease loss provision to assets | 0.1348% | 2,643 |
| Net operating income to assets | -0.0614% | 6,368 |
| Return on assets (ROA) | 0.0543% | 6,310 |
| Pretax return on assets | 0.0765% | 6,267 |
| Return on Equity (ROE) | 0.6314% | 6,283 |
| Retained earnings to average equity (ytd only) | -1.6135% | 6,145 |
| Net charge-offs to loans | 0.0554% | 3,905 |
| Credit loss provision to net charge-offs | 394.1176% | 667 |
| Earnings coverage of net charge-offs (x) | 1.4118% | 4,065 |
| Efficiency ratio | 98.4426% | 547 |
| Assets per employee ($millions) | 3.5019% | 4,848 |
| Cash dividends to net income (ytd only)* | 355.5556% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5225% | 3,474 |
| Loan loss allowance to noncurrent loans | 54.4941% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 1.8051% | 2,402 |
| Noncurrent loans to loans | 2.7938% | 1,625 |
| Net loans and leases to total assets | 63.5921% | 2,988 |
| Net loans and leases to deposits | 73.0534% | 3,294 |
| Net loans and leases to core deposits | 74.9303% | 3,680 |
| Total domestic deposits to total assets | 87.0488% | 2,794 |
| Equity capital to assets | 8.2180% | 6,044 |
| Core capital (leverage) ratio | 7.9887% | 6,196 |
| Tier 1 risk-based capital ratio | 14.2133% | 4,277 |
| Total risk-based capital ratio | 15.4688% | 4,235 |
| Memoranda: | ||
| Average total assets | $99,400,330 | 4,836 |
| Average earning assets | $92,156,000 | 4,791 |
| Average equity | $8,553,000 | 5,288 |
| Average total loans | $61,325,000 | 4,628 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9848% | 4,184 |
| Cost of funding earning assets | 0.8884% | 1,047 |
| Net interest margin | 3.0964% | 5,275 |
| Noninterest income to average assets | 0.0120% | 6,823 |
| Noninterest expense to average assets | 2.8659% | 3,479 |
| Loan and lease loss provision to assets | 0.1279% | 2,640 |
| Net operating income to assets | -0.0819% | 6,422 |
| Return on assets (ROA) | 0.0640% | 6,305 |
| Pretax return on assets | 0.0879% | 6,273 |
| Return on Equity (ROE) | 0.7272% | 6,274 |
| Retained earnings to average equity (ytd only) | -1.4545% | 6,012 |
| Net charge-offs to loans | 0.0995% | 2,862 |
| Credit loss provision to net charge-offs | 213.3333% | 1,038 |
| Earnings coverage of net charge-offs (x) | 0.2667% | 3,732 |
| Efficiency ratio | 99.4452% | 572 |
| Assets per employee ($millions) | 3.5446% | 4,888 |
| Cash dividends to net income (ytd only)* | 300.0000% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 3,718 |
| Loan loss allowance to noncurrent loans | 43.7853% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 2.3960% | 1,940 |
| Noncurrent loans to loans | 3.4830% | 1,380 |
| Net loans and leases to total assets | 60.5064% | 3,345 |
| Net loans and leases to deposits | 70.3201% | 3,424 |
| Net loans and leases to core deposits | 71.5399% | 3,878 |
| Total domestic deposits to total assets | 86.0442% | 3,505 |
| Equity capital to assets | 8.7840% | 5,722 |
| Core capital (leverage) ratio | 8.2620% | 5,863 |
| Tier 1 risk-based capital ratio | 15.0381% | 3,814 |
| Total risk-based capital ratio | 16.2932% | 3,766 |
| Memoranda: | ||
| Average total assets | $100,074,000 | 4,867 |
| Average earning assets | $92,751,500 | 4,827 |
| Average equity | $8,800,500 | 5,277 |
| Average total loans | $60,328,500 | 4,695 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3509% | 4,024 |
| Cost of funding earning assets | 1.0867% | 951 |
| Net interest margin | 3.2642% | 5,380 |
| Noninterest income to average assets | -0.0010% | 6,835 |
| Noninterest expense to average assets | 2.7130% | 4,353 |
| Loan and lease loss provision to assets | 0.3993% | 1,629 |
| Net operating income to assets | -0.0378% | 6,223 |
| Return on assets (ROA) | 0.1035% | 6,146 |
| Pretax return on assets | 0.1538% | 6,061 |
| Return on Equity (ROE) | 1.1638% | 6,095 |
| Retained earnings to average equity (ytd only) | -0.9643% | 6,010 |
| Net charge-offs to loans | 0.6242% | 1,878 |
| Credit loss provision to net charge-offs | 107.7128% | 2,745 |
| Earnings coverage of net charge-offs (x) | 0.9229% | 5,008 |
| Efficiency ratio | 88.4156% | 1,204 |
| Assets per employee ($millions) | 5.3105% | 1,886 |
| Cash dividends to net income (ytd only)* | 182.8571% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 3,619 |
| Loan loss allowance to noncurrent loans | 46.0646% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 2.5045% | 1,946 |
| Noncurrent loans to loans | 3.3213% | 1,539 |
| Net loans and leases to total assets | 58.2384% | 3,930 |
| Net loans and leases to deposits | 68.2501% | 3,947 |
| Net loans and leases to core deposits | 69.4094% | 4,385 |
| Total domestic deposits to total assets | 85.3309% | 3,697 |
| Equity capital to assets | 8.8039% | 5,744 |
| Core capital (leverage) ratio | 8.2039% | 5,992 |
| Tier 1 risk-based capital ratio | 15.4402% | 3,463 |
| Total risk-based capital ratio | 16.6991% | 3,422 |
| Memoranda: | ||
| Average total assets | $101,437,400 | 4,792 |
| Average earning assets | $94,969,200 | 4,730 |
| Average equity | $9,022,400 | 5,215 |
| Average total loans | $60,234,800 | 4,701 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5129% | 3,583 |
| Cost of funding earning assets | 1.1258% | 958 |
| Net interest margin | 3.3871% | 5,076 |
| Noninterest income to average assets | 0.0354% | 6,850 |
| Noninterest expense to average assets | 2.6266% | 4,653 |
| Loan and lease loss provision to assets | 0.3413% | 1,918 |
| Net operating income to assets | 0.1714% | 5,985 |
| Return on assets (ROA) | 0.3597% | 5,610 |
| Pretax return on assets | 0.5080% | 5,444 |
| Return on Equity (ROE) | 4.0335% | 5,278 |
| Retained earnings to average equity (ytd only) | 1.9137% | 5,377 |
| Net charge-offs to loans | 0.6426% | 1,710 |
| Credit loss provision to net charge-offs | 89.3471% | 3,318 |
| Earnings coverage of net charge-offs (x) | 1.5292% | 4,515 |
| Efficiency ratio | 81.4391% | 1,876 |
| Assets per employee ($millions) | 5.1259% | 2,018 |
| Cash dividends to net income (ytd only)* | 52.5567% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4255% | 4,260 |
| Loan loss allowance to noncurrent loans | 113.7150% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 1.4885% | 3,362 |
| Noncurrent loans to loans | 1.2535% | 3,961 |
| Net loans and leases to total assets | 57.6061% | 4,191 |
| Net loans and leases to deposits | 68.3416% | 4,126 |
| Net loans and leases to core deposits | 69.4932% | 4,563 |
| Total domestic deposits to total assets | 84.2914% | 4,082 |
| Equity capital to assets | 8.9185% | 5,904 |
| Core capital (leverage) ratio | 8.2540% | 6,082 |
| Tier 1 risk-based capital ratio | 15.6999% | 3,423 |
| Total risk-based capital ratio | 16.8555% | 3,436 |
| Memoranda: | ||
| Average total assets | $101,572,000 | 4,839 |
| Average earning assets | $95,220,250 | 4,762 |
| Average equity | $9,057,250 | 5,252 |
| Average total loans | $60,374,750 | 4,748 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6175% | 3,287 |
| Cost of funding earning assets | 1.1765% | 907 |
| Net interest margin | 3.4410% | 4,921 |
| Noninterest income to average assets | 0.1975% | 6,145 |
| Noninterest expense to average assets | 2.6428% | 4,635 |
| Loan and lease loss provision to assets | 0.4247% | 1,534 |
| Net operating income to assets | 0.2494% | 5,766 |
| Return on assets (ROA) | 0.3812% | 5,525 |
| Pretax return on assets | 0.5392% | 5,340 |
| Return on Equity (ROE) | 4.2753% | 5,143 |
| Retained earnings to average equity (ytd only) | 2.1487% | 5,115 |
| Net charge-offs to loans | 0.6807% | 1,629 |
| Credit loss provision to net charge-offs | 104.3689% | 2,610 |
| Earnings coverage of net charge-offs (x) | 1.9126% | 4,022 |
| Efficiency ratio | 76.9053% | 2,613 |
| Assets per employee ($millions) | 5.1887% | 1,938 |
| Cash dividends to net income (ytd only)* | 49.7409% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 4,005 |
| Loan loss allowance to noncurrent loans | 139.2523% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 1.4888% | 3,468 |
| Noncurrent loans to loans | 1.0773% | 4,363 |
| Net loans and leases to total assets | 56.5629% | 4,387 |
| Net loans and leases to deposits | 65.6214% | 4,552 |
| Net loans and leases to core deposits | 66.0043% | 5,002 |
| Total domestic deposits to total assets | 86.1958% | 3,252 |
| Equity capital to assets | 8.8327% | 5,871 |
| Core capital (leverage) ratio | 8.2656% | 5,971 |
| Tier 1 risk-based capital ratio | 16.2336% | 3,046 |
| Total risk-based capital ratio | 17.4883% | 3,009 |
| Memoranda: | ||
| Average total assets | $101,257,000 | 4,875 |
| Average earning assets | $94,856,330 | 4,792 |
| Average equity | $9,028,670 | 5,258 |
| Average total loans | $60,529,670 | 4,771 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5976% | 3,512 |
| Cost of funding earning assets | 1.1931% | 1,020 |
| Net interest margin | 3.4045% | 5,103 |
| Noninterest income to average assets | 0.2000% | 6,193 |
| Noninterest expense to average assets | 2.6440% | 4,648 |
| Loan and lease loss provision to assets | 0.4600% | 1,341 |
| Net operating income to assets | 0.2151% | 5,942 |
| Return on assets (ROA) | 0.3720% | 5,561 |
| Pretax return on assets | 0.5040% | 5,413 |
| Return on Equity (ROE) | 4.1518% | 5,223 |
| Retained earnings to average equity (ytd only) | 2.0089% | 5,263 |
| Net charge-offs to loans | 0.5836% | 1,640 |
| Credit loss provision to net charge-offs | 129.2135% | 1,879 |
| Earnings coverage of net charge-offs (x) | 2.1124% | 3,310 |
| Efficiency ratio | 77.5029% | 2,568 |
| Assets per employee ($millions) | 5.4034% | 1,784 |
| Cash dividends to net income (ytd only)* | 51.6129% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5058% | 4,123 |
| Loan loss allowance to noncurrent loans | 74.4890% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 2.1049% | 2,772 |
| Noncurrent loans to loans | 2.0215% | 3,125 |
| Net loans and leases to total assets | 58.0432% | 4,027 |
| Net loans and leases to deposits | 70.1513% | 3,718 |
| Net loans and leases to core deposits | 70.7896% | 4,321 |
| Total domestic deposits to total assets | 82.7400% | 5,033 |
| Equity capital to assets | 8.6398% | 5,942 |
| Core capital (leverage) ratio | 8.3096% | 5,860 |
| Tier 1 risk-based capital ratio | 16.1065% | 3,122 |
| Total risk-based capital ratio | 17.3638% | 3,083 |
| Memoranda: | ||
| Average total assets | $99,999,000 | 4,936 |
| Average earning assets | $93,874,500 | 4,854 |
| Average equity | $8,960,000 | 5,293 |
| Average total loans | $60,999,000 | 4,770 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1769% | 2,160 |
| Cost of funding earning assets | 1.2208% | 1,892 |
| Net interest margin | 3.9561% | 3,081 |
| Noninterest income to average assets | 0.2221% | 5,940 |
| Noninterest expense to average assets | 2.6930% | 4,766 |
| Loan and lease loss provision to assets | 0.2383% | 3,824 |
| Net operating income to assets | 0.7228% | 3,373 |
| Return on assets (ROA) | 0.8482% | 2,983 |
| Pretax return on assets | 1.1884% | 2,498 |
| Return on Equity (ROE) | 9.1729% | 2,375 |
| Retained earnings to average equity (ytd only) | 6.6542% | 1,663 |
| Net charge-offs to loans | 0.4710% | 3,104 |
| Credit loss provision to net charge-offs | 76.3889% | 4,628 |
| Earnings coverage of net charge-offs (x) | 4.0069% | 3,303 |
| Efficiency ratio | 67.9670% | 4,367 |
| Assets per employee ($millions) | 5.1228% | 2,030 |
| Cash dividends to net income (ytd only)* | 27.4585% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4391% | 4,291 |
| Loan loss allowance to noncurrent loans | 83.1767% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 1.5771% | 3,581 |
| Noncurrent loans to loans | 1.7302% | 3,571 |
| Net loans and leases to total assets | 62.2728% | 3,545 |
| Net loans and leases to deposits | 73.4851% | 3,583 |
| Net loans and leases to core deposits | 82.0467% | 3,170 |
| Total domestic deposits to total assets | 84.7421% | 3,984 |
| Equity capital to assets | 9.2980% | 5,151 |
| Core capital (leverage) ratio | 8.7678% | 5,148 |
| Tier 1 risk-based capital ratio | 15.9314% | 3,080 |
| Total risk-based capital ratio | 17.1863% | 3,038 |
| Memoranda: | ||
| Average total assets | $92,312,000 | 5,119 |
| Average earning assets | $86,828,800 | 5,030 |
| Average equity | $8,536,000 | 5,394 |
| Average total loans | $61,143,600 | 4,826 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3027% | 1,844 |
| Cost of funding earning assets | 1.2147% | 2,229 |
| Net interest margin | 4.0880% | 2,521 |
| Noninterest income to average assets | 0.2167% | 6,057 |
| Noninterest expense to average assets | 2.7440% | 4,558 |
| Loan and lease loss provision to assets | 0.1347% | 4,747 |
| Net operating income to assets | 0.7736% | 3,286 |
| Return on assets (ROA) | 0.8258% | 3,204 |
| Pretax return on assets | 1.2607% | 2,429 |
| Return on Equity (ROE) | 8.9442% | 2,620 |
| Retained earnings to average equity (ytd only) | 6.6922% | 2,139 |
| Net charge-offs to loans | 0.1638% | 4,474 |
| Credit loss provision to net charge-offs | 122.6667% | 2,631 |
| Earnings coverage of net charge-offs (x) | 11.9864% | 1,750 |
| Efficiency ratio | 67.2557% | 4,475 |
| Assets per employee ($millions) | 4.9694% | 2,230 |
| Cash dividends to net income (ytd only)* | 25.1775% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 4,038 |
| Loan loss allowance to noncurrent loans | 95.9375% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 1.4213% | 3,995 |
| Noncurrent loans to loans | 1.5764% | 3,935 |
| Net loans and leases to total assets | 63.5218% | 3,408 |
| Net loans and leases to deposits | 75.3562% | 3,444 |
| Net loans and leases to core deposits | 84.4828% | 2,987 |
| Total domestic deposits to total assets | 84.2954% | 4,100 |
| Equity capital to assets | 9.7121% | 4,761 |
| Core capital (leverage) ratio | 8.9513% | 5,012 |
| Tier 1 risk-based capital ratio | 14.8715% | 3,742 |
| Total risk-based capital ratio | 16.5697% | 3,448 |
| Memoranda: | ||
| Average total assets | $91,056,750 | 5,200 |
| Average earning assets | $85,615,250 | 5,103 |
| Average equity | $8,407,500 | 5,466 |
| Average total loans | $61,055,250 | 4,866 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4599% | 1,389 |
| Cost of funding earning assets | 1.2057% | 2,537 |
| Net interest margin | 4.2542% | 1,826 |
| Noninterest income to average assets | 0.2157% | 6,121 |
| Noninterest expense to average assets | 2.7797% | 4,507 |
| Loan and lease loss provision to assets | 0.1712% | 4,219 |
| Net operating income to assets | 0.7900% | 3,117 |
| Return on assets (ROA) | 0.8384% | 3,016 |
| Pretax return on assets | 1.3343% | 2,018 |
| Return on Equity (ROE) | 9.2478% | 2,413 |
| Retained earnings to average equity (ytd only) | 6.9419% | 1,905 |
| Net charge-offs to loans | 0.2193% | 3,810 |
| Credit loss provision to net charge-offs | 114.9254% | 2,666 |
| Earnings coverage of net charge-offs (x) | 9.5970% | 1,902 |
| Efficiency ratio | 65.7158% | 4,928 |
| Assets per employee ($millions) | 4.6132% | 2,668 |
| Cash dividends to net income (ytd only)* | 24.9337% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5048% | 4,112 |
| Loan loss allowance to noncurrent loans | 93.1702% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 1.4773% | 3,993 |
| Noncurrent loans to loans | 1.6152% | 3,975 |
| Net loans and leases to total assets | 64.8389% | 3,288 |
| Net loans and leases to deposits | 76.1960% | 3,430 |
| Net loans and leases to core deposits | 76.2174% | 4,292 |
| Total domestic deposits to total assets | 85.0949% | 3,835 |
| Equity capital to assets | 9.3297% | 5,102 |
| Core capital (leverage) ratio | 8.9716% | 4,768 |
| Tier 1 risk-based capital ratio | 15.6663% | 3,149 |
| Total risk-based capital ratio | 16.9222% | 3,112 |
| Memoranda: | ||
| Average total assets | $89,936,330 | 5,257 |
| Average earning assets | $84,434,000 | 5,180 |
| Average equity | $8,153,330 | 5,561 |
| Average total loans | $61,108,000 | 4,905 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4632% | 1,397 |
| Cost of funding earning assets | 1.1843% | 2,918 |
| Net interest margin | 4.2788% | 1,629 |
| Noninterest income to average assets | 0.2388% | 5,996 |
| Noninterest expense to average assets | 2.8252% | 4,351 |
| Loan and lease loss provision to assets | 0.1172% | 4,541 |
| Net operating income to assets | 0.8448% | 2,800 |
| Return on assets (ROA) | 0.8246% | 2,969 |
| Pretax return on assets | 1.3022% | 2,038 |
| Return on Equity (ROE) | 9.2354% | 2,373 |
| Retained earnings to average equity (ytd only) | 6.8635% | 2,208 |
| Net charge-offs to loans | 0.1175% | 3,827 |
| Credit loss provision to net charge-offs | 144.4444% | 1,962 |
| Earnings coverage of net charge-offs (x) | 17.8889% | 1,206 |
| Efficiency ratio | 65.7534% | 5,073 |
| Assets per employee ($millions) | 4.5595% | 2,797 |
| Cash dividends to net income (ytd only)* | 25.6831% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5339% | 4,033 |
| Loan loss allowance to noncurrent loans | 92.5123% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 1.1131% | 4,693 |
| Noncurrent loans to loans | 1.6580% | 3,993 |
| Net loans and leases to total assets | 66.1023% | 2,983 |
| Net loans and leases to deposits | 80.7929% | 2,556 |
| Net loans and leases to core deposits | 81.0679% | 3,599 |
| Total domestic deposits to total assets | 81.8169% | 5,385 |
| Equity capital to assets | 8.7116% | 5,640 |
| Core capital (leverage) ratio | 8.8864% | 4,794 |
| Tier 1 risk-based capital ratio | 15.5091% | 3,161 |
| Total risk-based capital ratio | 16.6934% | 3,138 |
| Memoranda: | ||
| Average total assets | $88,772,500 | 5,324 |
| Average earning assets | $83,761,000 | 5,243 |
| Average equity | $7,926,000 | 5,636 |
| Average total loans | $61,293,500 | 4,946 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6889% | 1,611 |
| Cost of funding earning assets | 1.3474% | 3,590 |
| Net interest margin | 4.3415% | 1,678 |
| Noninterest income to average assets | 0.2769% | 5,797 |
| Noninterest expense to average assets | 2.9364% | 4,080 |
| Loan and lease loss provision to assets | 0.4569% | 3,383 |
| Net operating income to assets | 0.8256% | 2,688 |
| Return on assets (ROA) | 0.9362% | 2,385 |
| Pretax return on assets | 1.1199% | 2,505 |
| Return on Equity (ROE) | 9.5695% | 2,087 |
| Retained earnings to average equity (ytd only) | 9.5695% | 591 |
| Net charge-offs to loans | 0.1099% | 5,774 |
| Credit loss provision to net charge-offs | 566.1538% | 395 |
| Earnings coverage of net charge-offs (x) | 17.9077% | 1,127 |
| Efficiency ratio | 66.6761% | 4,823 |
| Assets per employee ($millions) | 4.3178% | 3,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5529% | 3,759 |
| Loan loss allowance to noncurrent loans | 99.8952% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 1.1047% | 4,803 |
| Noncurrent loans to loans | 1.5545% | 4,167 |
| Net loans and leases to total assets | 69.9627% | 2,539 |
| Net loans and leases to deposits | 81.8603% | 2,837 |
| Net loans and leases to core deposits | 81.8603% | 3,923 |
| Total domestic deposits to total assets | 85.4660% | 3,621 |
| Equity capital to assets | 9.1574% | 4,905 |
| Core capital (leverage) ratio | 9.2342% | 4,118 |
| Tier 1 risk-based capital ratio | 15.8322% | 2,824 |
| Total risk-based capital ratio | 17.0899% | 2,785 |
| Memoranda: | ||
| Average total assets | $80,540,000 | 5,578 |
| Average earning assets | $76,148,400 | 5,475 |
| Average equity | $7,879,200 | 5,755 |
| Average total loans | $59,118,600 | 5,109 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7325% | 1,597 |
| Cost of funding earning assets | 1.3779% | 3,722 |
| Net interest margin | 4.3547% | 1,664 |
| Noninterest income to average assets | 0.2917% | 5,792 |
| Noninterest expense to average assets | 2.9790% | 3,827 |
| Loan and lease loss provision to assets | 0.4046% | 3,485 |
| Net operating income to assets | 0.6331% | 3,737 |
| Return on assets (ROA) | 0.6676% | 3,721 |
| Pretax return on assets | 1.0807% | 2,896 |
| Return on Equity (ROE) | 6.7072% | 3,475 |
| Retained earnings to average equity (ytd only) | 6.7072% | 1,983 |
| Net charge-offs to loans | 0.1412% | 5,169 |
| Credit loss provision to net charge-offs | 387.0968% | 801 |
| Earnings coverage of net charge-offs (x) | 13.6943% | 1,563 |
| Efficiency ratio | 67.2018% | 4,625 |
| Assets per employee ($millions) | 4.2410% | 3,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 4,556 |
| Loan loss allowance to noncurrent loans | 138.7584% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.7027% | 5,707 |
| Noncurrent loans to loans | 0.9971% | 5,242 |
| Net loans and leases to total assets | 69.4986% | 2,851 |
| Net loans and leases to deposits | 77.9364% | 3,842 |
| Net loans and leases to core deposits | 78.4551% | 4,747 |
| Total domestic deposits to total assets | 89.1734% | 1,299 |
| Equity capital to assets | 9.9989% | 4,158 |
| Core capital (leverage) ratio | 8.6910% | 5,203 |
| Tier 1 risk-based capital ratio | 14.5822% | 3,465 |
| Total risk-based capital ratio | 16.4325% | 3,139 |
| Memoranda: | ||
| Average total assets | $79,086,000 | 5,688 |
| Average earning assets | $74,799,000 | 5,581 |
| Average equity | $7,872,000 | 5,833 |
| Average total loans | $58,555,750 | 5,202 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8228% | 1,370 |
| Cost of funding earning assets | 1.3844% | 3,975 |
| Net interest margin | 4.4384% | 1,351 |
| Noninterest income to average assets | 0.3084% | 5,687 |
| Noninterest expense to average assets | 3.1176% | 3,229 |
| Loan and lease loss provision to assets | 0.4146% | 3,243 |
| Net operating income to assets | 0.6000% | 3,879 |
| Return on assets (ROA) | 0.6531% | 3,768 |
| Pretax return on assets | 1.0547% | 2,916 |
| Return on Equity (ROE) | 6.5719% | 3,517 |
| Retained earnings to average equity (ytd only) | 6.5719% | 2,037 |
| Net charge-offs to loans | 0.1410% | 4,820 |
| Credit loss provision to net charge-offs | 390.2439% | 931 |
| Earnings coverage of net charge-offs (x) | 13.0488% | 1,616 |
| Efficiency ratio | 68.8723% | 4,409 |
| Assets per employee ($millions) | 4.1833% | 3,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 4,931 |
| Loan loss allowance to noncurrent loans | 344.8430% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.2806% | 6,714 |
| Noncurrent loans to loans | 0.3763% | 6,486 |
| Net loans and leases to total assets | 73.5865% | 2,009 |
| Net loans and leases to deposits | 83.1480% | 3,044 |
| Net loans and leases to core deposits | 84.0562% | 4,135 |
| Total domestic deposits to total assets | 88.5005% | 1,728 |
| Equity capital to assets | 10.0916% | 3,898 |
| Core capital (leverage) ratio | 9.0596% | 4,509 |
| Tier 1 risk-based capital ratio | 15.1781% | 3,070 |
| Total risk-based capital ratio | 16.4339% | 3,022 |
| Memoranda: | ||
| Average total assets | $77,175,000 | 5,773 |
| Average earning assets | $72,954,330 | 5,675 |
| Average equity | $7,669,000 | 5,908 |
| Average total loans | $58,149,330 | 5,266 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8850% | 1,232 |
| Cost of funding earning assets | 1.3821% | 4,293 |
| Net interest margin | 4.5029% | 1,135 |
| Noninterest income to average assets | 0.3473% | 5,362 |
| Noninterest expense to average assets | 3.4148% | 2,194 |
| Loan and lease loss provision to assets | 0.3157% | 3,527 |
| Net operating income to assets | 0.5297% | 4,235 |
| Return on assets (ROA) | 0.6577% | 3,742 |
| Pretax return on assets | 1.0681% | 2,846 |
| Return on Equity (ROE) | 6.6729% | 3,534 |
| Retained earnings to average equity (ytd only) | 6.6729% | 2,292 |
| Net charge-offs to loans | 0.2500% | 3,446 |
| Credit loss provision to net charge-offs | 166.6667% | 2,176 |
| Earnings coverage of net charge-offs (x) | 6.2500% | 2,257 |
| Efficiency ratio | 73.9130% | 3,589 |
| Assets per employee ($millions) | 3.7952% | 4,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 5,647 |
| Loan loss allowance to noncurrent loans | 278.9256% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.3188% | 6,678 |
| Noncurrent loans to loans | 0.4202% | 6,454 |
| Net loans and leases to total assets | 74.9773% | 1,745 |
| Net loans and leases to deposits | 84.1167% | 2,921 |
| Net loans and leases to core deposits | 84.1167% | 4,184 |
| Total domestic deposits to total assets | 89.1348% | 1,449 |
| Equity capital to assets | 9.9943% | 3,884 |
| Core capital (leverage) ratio | 9.2832% | 4,082 |
| Tier 1 risk-based capital ratio | 15.0380% | 3,104 |
| Total risk-based capital ratio | 16.2899% | 3,059 |
| Memoranda: | ||
| Average total assets | $76,021,500 | 5,880 |
| Average earning assets | $71,776,000 | 5,781 |
| Average equity | $7,493,000 | 6,017 |
| Average total loans | $57,595,500 | 5,357 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0768% | 1,584 |
| Cost of funding earning assets | 2.1055% | 2,430 |
| Net interest margin | 3.9712% | 2,981 |
| Noninterest income to average assets | 0.3807% | 5,370 |
| Noninterest expense to average assets | 3.5514% | 2,262 |
| Loan and lease loss provision to assets | 0.3284% | 4,842 |
| Net operating income to assets | 1.1644% | 1,351 |
| Return on assets (ROA) | 1.3107% | 1,056 |
| Pretax return on assets | 0.4284% | 4,403 |
| Return on Equity (ROE) | 13.0620% | 949 |
| Retained earnings to average equity (ytd only) | 13.0620% | 150 |
| Net charge-offs to loans | 0.2424% | 5,106 |
| Credit loss provision to net charge-offs | 176.0000% | 2,390 |
| Earnings coverage of net charge-offs (x) | 3.2720% | 3,426 |
| Efficiency ratio | 84.8637% | 2,252 |
| Assets per employee ($millions) | 3.8070% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1284% | 5,758 |
| Loan loss allowance to noncurrent loans | 590.9091% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.1445% | 7,115 |
| Noncurrent loans to loans | 0.1910% | 6,944 |
| Net loans and leases to total assets | 74.8043% | 2,076 |
| Net loans and leases to deposits | 86.8642% | 2,762 |
| Net loans and leases to core deposits | 104.1414% | 3,561 |
| Total domestic deposits to total assets | 86.1164% | 2,955 |
| Equity capital to assets | 9.7189% | 4,123 |
| Core capital (leverage) ratio | 9.0777% | 4,290 |
| Tier 1 risk-based capital ratio | 14.9664% | 2,961 |
| Total risk-based capital ratio | 16.2182% | 2,907 |
| Memoranda: | ||
| Average total assets | $66,987,000 | 6,109 |
| Average earning assets | $63,784,000 | 6,006 |
| Average equity | $6,721,800 | 6,360 |
| Average total loans | $51,574,800 | 5,602 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0808% | 1,718 |
| Cost of funding earning assets | 2.2682% | 2,116 |
| Net interest margin | 3.8126% | 3,604 |
| Noninterest income to average assets | 0.3751% | 5,512 |
| Noninterest expense to average assets | 3.5713% | 2,089 |
| Loan and lease loss provision to assets | 0.3380% | 4,308 |
| Net operating income to assets | 0.1067% | 5,444 |
| Return on assets (ROA) | 0.2947% | 4,919 |
| Pretax return on assets | 0.3112% | 5,027 |
| Return on Equity (ROE) | 2.9098% | 4,831 |
| Retained earnings to average equity (ytd only) | 2.9098% | 3,694 |
| Net charge-offs to loans | 0.2583% | 4,439 |
| Credit loss provision to net charge-offs | 169.0722% | 2,764 |
| Earnings coverage of net charge-offs (x) | 2.2577% | 4,127 |
| Efficiency ratio | 88.2684% | 1,844 |
| Assets per employee ($millions) | 3.5624% | 4,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 5,665 |
| Loan loss allowance to noncurrent loans | 175.2113% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.4983% | 6,220 |
| Noncurrent loans to loans | 0.6338% | 6,029 |
| Net loans and leases to total assets | 77.7422% | 1,626 |
| Net loans and leases to deposits | 86.3739% | 3,246 |
| Net loans and leases to core deposits | 105.1683% | 3,797 |
| Total domestic deposits to total assets | 90.0066% | 762 |
| Equity capital to assets | 9.4236% | 4,857 |
| Core capital (leverage) ratio | 9.0572% | 4,564 |
| Tier 1 risk-based capital ratio | 14.8122% | 3,129 |
| Total risk-based capital ratio | 16.0636% | 3,070 |
| Memoranda: | ||
| Average total assets | $64,698,750 | 6,219 |
| Average earning assets | $61,898,500 | 6,112 |
| Average equity | $6,552,250 | 6,463 |
| Average total loans | $50,067,000 | 5,715 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0558% | 1,960 |
| Cost of funding earning assets | 2.3828% | 2,037 |
| Net interest margin | 3.6730% | 4,074 |
| Noninterest income to average assets | 0.3551% | 5,662 |
| Noninterest expense to average assets | 3.5319% | 2,242 |
| Loan and lease loss provision to assets | 0.3551% | 3,797 |
| Net operating income to assets | -0.0229% | 5,883 |
| Return on assets (ROA) | 0.1824% | 5,411 |
| Pretax return on assets | 0.1952% | 5,480 |
| Return on Equity (ROE) | 1.7543% | 5,388 |
| Retained earnings to average equity (ytd only) | 1.7543% | 4,366 |
| Net charge-offs to loans | 0.2745% | 3,822 |
| Credit loss provision to net charge-offs | 168.1818% | 2,736 |
| Earnings coverage of net charge-offs (x) | 1.5606% | 4,366 |
| Efficiency ratio | 90.9693% | 1,733 |
| Assets per employee ($millions) | 3.7061% | 4,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1581% | 5,213 |
| Loan loss allowance to noncurrent loans | 631.5789% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 7,208 |
| Noncurrent loans to loans | 0.1834% | 7,058 |
| Net loans and leases to total assets | 76.7663% | 1,998 |
| Net loans and leases to deposits | 87.0031% | 3,359 |
| Net loans and leases to core deposits | 104.7968% | 3,981 |
| Total domestic deposits to total assets | 88.2340% | 1,654 |
| Equity capital to assets | 9.7123% | 4,334 |
| Core capital (leverage) ratio | 9.5225% | 3,854 |
| Tier 1 risk-based capital ratio | 15.5999% | 2,767 |
| Total risk-based capital ratio | 16.8525% | 2,701 |
| Memoranda: | ||
| Average total assets | $62,516,000 | 6,356 |
| Average earning assets | $59,678,000 | 6,242 |
| Average equity | $6,498,330 | 6,532 |
| Average total loans | $48,085,670 | 5,843 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0062% | 2,338 |
| Cost of funding earning assets | 2.4678% | 2,036 |
| Net interest margin | 3.5383% | 4,572 |
| Noninterest income to average assets | 0.3376% | 5,758 |
| Noninterest expense to average assets | 3.6081% | 1,850 |
| Loan and lease loss provision to assets | 0.2052% | 4,391 |
| Net operating income to assets | -0.1059% | 6,420 |
| Return on assets (ROA) | 0.0662% | 6,235 |
| Pretax return on assets | 0.0662% | 6,239 |
| Return on Equity (ROE) | 0.6146% | 6,246 |
| Retained earnings to average equity (ytd only) | 0.6146% | 5,411 |
| Net charge-offs to loans | 0.3894% | 2,540 |
| Credit loss provision to net charge-offs | 68.8889% | 4,375 |
| Earnings coverage of net charge-offs (x) | 0.3333% | 4,710 |
| Efficiency ratio | 96.7857% | 1,279 |
| Assets per employee ($millions) | 3.6058% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1312% | 5,255 |
| Loan loss allowance to noncurrent loans | 535.6436% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 7,092 |
| Noncurrent loans to loans | 0.2112% | 6,925 |
| Net loans and leases to total assets | 72.8538% | 3,040 |
| Net loans and leases to deposits | 83.5276% | 4,055 |
| Net loans and leases to core deposits | 100.7243% | 4,471 |
| Total domestic deposits to total assets | 87.2211% | 2,112 |
| Equity capital to assets | 10.0055% | 4,003 |
| Core capital (leverage) ratio | 9.7190% | 3,728 |
| Tier 1 risk-based capital ratio | 16.4186% | 2,543 |
| Total risk-based capital ratio | 17.6693% | 2,488 |
| Memoranda: | ||
| Average total assets | $60,419,500 | 6,457 |
| Average earning assets | $57,541,000 | 6,352 |
| Average equity | $6,508,000 | 6,582 |
| Average total loans | $46,223,500 | 5,951 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5269% | 2,831 |
| Cost of funding earning assets | 2.9436% | 2,079 |
| Net interest margin | 3.5834% | 4,961 |
| Noninterest income to average assets | 0.4978% | 4,626 |
| Noninterest expense to average assets | 4.4131% | 942 |
| Loan and lease loss provision to assets | 0.6764% | 2,148 |
| Net operating income to assets | -1.2057% | 7,349 |
| Return on assets (ROA) | -1.1469% | 7,259 |
| Pretax return on assets | -1.1448% | 7,087 |
| Return on Equity (ROE) | -9.4493% | 7,238 |
| Retained earnings to average equity (ytd only) | -9.4493% | 7,023 |
| Net charge-offs to loans | 0.0191% | 6,593 |
| Credit loss provision to net charge-offs | 4,600.0000% | 108 |
| Earnings coverage of net charge-offs (x) | -35.8571% | 6,970 |
| Efficiency ratio | 112.9189% | 656 |
| Assets per employee ($millions) | 3.1075% | 5,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 4,206 |
| Loan loss allowance to noncurrent loans | 895.1613% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 7,135 |
| Noncurrent loans to loans | 0.1389% | 6,995 |
| Net loans and leases to total assets | 78.7807% | 1,939 |
| Net loans and leases to deposits | 89.7365% | 3,498 |
| Net loans and leases to core deposits | 107.6277% | 4,010 |
| Total domestic deposits to total assets | 87.7912% | 1,560 |
| Equity capital to assets | 11.6600% | 2,526 |
| Core capital (leverage) ratio | 11.2474% | 2,401 |
| Tier 1 risk-based capital ratio | 15.6316% | 2,802 |
| Total risk-based capital ratio | 16.8822% | 2,730 |
| Memoranda: | ||
| Average total assets | $47,608,400 | 6,878 |
| Average earning assets | $45,013,400 | 6,811 |
| Average equity | $5,778,200 | 6,885 |
| Average total loans | $36,599,600 | 6,337 |