Home > The First National Bank of Eagle River > Performance and Condition Ratios
The First National Bank of Eagle River, Performance and Condition Ratios
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4604% | 4,982 |
| Cost of funding earning assets | 0.5070% | 2,050 |
| Net interest margin | 2.9535% | 5,210 |
| Noninterest income to average assets | 0.4999% | 3,111 |
| Noninterest expense to average assets | 3.1441% | 1,970 |
| Loan and lease loss provision to assets | 0.2958% | 536 |
| Net operating income to assets | -0.2692% | 5,902 |
| Return on assets (ROA) | -0.0887% | 5,858 |
| Pretax return on assets | -0.0887% | 5,858 |
| Return on Equity (ROE) | -0.9343% | 5,871 |
| Retained earnings to average equity (ytd only) | -2.6784% | 5,446 |
| Net charge-offs to loans | 0.6956% | 307 |
| Credit loss provision to net charge-offs | 66.6667% | 1,925 |
| Earnings coverage of net charge-offs (x) | 0.0600% | 2,975 |
| Efficiency ratio | 99.1604% | 314 |
| Assets per employee ($millions) | 3.9952% | 3,952 |
| Cash dividends to net income (ytd only)* | -186.6667% | 6,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7166% | 5,566 |
| Loan loss allowance to noncurrent loans | 45.9091% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 2.6454% | 541 |
| Noncurrent loans to loans | 1.5610% | 1,492 |
| Net loans and leases to total assets | 65.6689% | 2,998 |
| Net loans and leases to deposits | 84.1722% | 2,283 |
| Net loans and leases to core deposits | 86.3832% | 2,712 |
| Total domestic deposits to total assets | 78.0173% | 5,145 |
| Equity capital to assets | 10.1497% | 3,898 |
| Core capital (leverage) ratio | 8.9685% | 4,899 |
| Tier 1 risk-based capital ratio | 14.5751% | 3,354 |
| Total risk-based capital ratio | 15.3068% | 3,585 |
| Memoranda: | ||
| Average total assets | $135,237,500 | 3,814 |
| Average earning assets | $122,297,000 | 3,864 |
| Average equity | $12,843,500 | 4,188 |
| Average total loans | $86,257,000 | 3,699 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4793% | 4,973 |
| Cost of funding earning assets | 0.4866% | 2,296 |
| Net interest margin | 2.9927% | 5,155 |
| Noninterest income to average assets | 0.5739% | 2,867 |
| Noninterest expense to average assets | 2.9538% | 2,687 |
| Loan and lease loss provision to assets | 0.1097% | 2,164 |
| Net operating income to assets | 0.2388% | 5,504 |
| Return on assets (ROA) | 0.2757% | 5,500 |
| Pretax return on assets | 0.2771% | 5,569 |
| Return on Equity (ROE) | 3.0355% | 5,291 |
| Retained earnings to average equity (ytd only) | 1.2699% | 4,992 |
| Net charge-offs to loans | 0.3640% | 807 |
| Credit loss provision to net charge-offs | 50.3226% | 3,399 |
| Earnings coverage of net charge-offs (x) | 1.6032% | 4,058 |
| Efficiency ratio | 89.4188% | 726 |
| Assets per employee ($millions) | 4.3221% | 3,355 |
| Cash dividends to net income (ytd only)* | 58.1633% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7470% | 5,542 |
| Loan loss allowance to noncurrent loans | 22.1287% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 2.8634% | 475 |
| Noncurrent loans to loans | 3.3757% | 428 |
| Net loans and leases to total assets | 61.2049% | 3,662 |
| Net loans and leases to deposits | 84.6351% | 2,288 |
| Net loans and leases to core deposits | 86.7814% | 2,722 |
| Total domestic deposits to total assets | 72.3163% | 5,779 |
| Equity capital to assets | 8.9119% | 5,209 |
| Core capital (leverage) ratio | 8.8201% | 5,089 |
| Tier 1 risk-based capital ratio | 14.0000% | 3,715 |
| Total risk-based capital ratio | 14.7415% | 3,948 |
| Memoranda: | ||
| Average total assets | $142,187,400 | 3,690 |
| Average earning assets | $129,680,400 | 3,707 |
| Average equity | $12,914,000 | 4,159 |
| Average total loans | $85,166,000 | 3,698 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4973% | 4,989 |
| Cost of funding earning assets | 0.4870% | 2,344 |
| Net interest margin | 3.0103% | 5,162 |
| Noninterest income to average assets | 0.6503% | 2,480 |
| Noninterest expense to average assets | 2.9683% | 2,612 |
| Loan and lease loss provision to assets | 0.0422% | 3,367 |
| Net operating income to assets | 0.3876% | 5,205 |
| Return on assets (ROA) | 0.4307% | 5,134 |
| Pretax return on assets | 0.4326% | 5,390 |
| Return on Equity (ROE) | 4.7203% | 4,748 |
| Retained earnings to average equity (ytd only) | 2.8384% | 4,417 |
| Net charge-offs to loans | 0.0395% | 3,102 |
| Credit loss provision to net charge-offs | 180.0000% | 1,465 |
| Earnings coverage of net charge-offs (x) | 18.4014% | 1,999 |
| Efficiency ratio | 87.3033% | 910 |
| Assets per employee ($millions) | 4.2715% | 3,380 |
| Cash dividends to net income (ytd only)* | 39.8689% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9963% | 4,768 |
| Loan loss allowance to noncurrent loans | 26.1882% | 5,500 |
| Noncurrent assets plus other real estate owned to assets | 3.3747% | 397 |
| Noncurrent loans to loans | 3.8042% | 375 |
| Net loans and leases to total assets | 58.6549% | 4,061 |
| Net loans and leases to deposits | 85.9987% | 2,140 |
| Net loans and leases to core deposits | 88.3409% | 2,631 |
| Total domestic deposits to total assets | 68.2045% | 6,033 |
| Equity capital to assets | 9.4055% | 4,875 |
| Core capital (leverage) ratio | 8.7276% | 5,319 |
| Tier 1 risk-based capital ratio | 14.3006% | 3,675 |
| Total risk-based capital ratio | 15.2512% | 3,791 |
| Memoranda: | ||
| Average total assets | $142,077,000 | 3,718 |
| Average earning assets | $129,774,750 | 3,736 |
| Average equity | $12,964,750 | 4,188 |
| Average total loans | $84,469,250 | 3,743 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5809% | 4,774 |
| Cost of funding earning assets | 0.4825% | 2,408 |
| Net interest margin | 3.0984% | 4,973 |
| Noninterest income to average assets | 0.6838% | 2,284 |
| Noninterest expense to average assets | 2.9849% | 2,604 |
| Loan and lease loss provision to assets | 0.0421% | 3,268 |
| Net operating income to assets | 0.4766% | 4,861 |
| Return on assets (ROA) | 0.5405% | 4,712 |
| Pretax return on assets | 0.5434% | 5,111 |
| Return on Equity (ROE) | 5.9843% | 4,133 |
| Retained earnings to average equity (ytd only) | 3.1398% | 4,054 |
| Net charge-offs to loans | 0.0967% | 2,047 |
| Credit loss provision to net charge-offs | 73.1707% | 2,420 |
| Earnings coverage of net charge-offs (x) | 9.0488% | 2,496 |
| Efficiency ratio | 85.1422% | 1,140 |
| Assets per employee ($millions) | 4.2246% | 3,423 |
| Cash dividends to net income (ytd only)* | 47.5325% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9523% | 5,088 |
| Loan loss allowance to noncurrent loans | 27.5352% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 3.2610% | 470 |
| Noncurrent loans to loans | 3.4586% | 512 |
| Net loans and leases to total assets | 57.9987% | 4,100 |
| Net loans and leases to deposits | 84.6642% | 2,227 |
| Net loans and leases to core deposits | 86.9121% | 2,661 |
| Total domestic deposits to total assets | 68.5044% | 6,099 |
| Equity capital to assets | 8.9253% | 5,310 |
| Core capital (leverage) ratio | 8.8551% | 5,153 |
| Tier 1 risk-based capital ratio | 14.5896% | 3,586 |
| Total risk-based capital ratio | 15.5294% | 3,697 |
| Memoranda: | ||
| Average total assets | $142,449,330 | 3,746 |
| Average earning assets | $129,743,670 | 3,765 |
| Average equity | $12,867,000 | 4,227 |
| Average total loans | $84,788,330 | 3,757 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6995% | 4,366 |
| Cost of funding earning assets | 0.4790% | 2,457 |
| Net interest margin | 3.2204% | 4,529 |
| Noninterest income to average assets | 0.5865% | 2,728 |
| Noninterest expense to average assets | 3.0228% | 2,506 |
| Loan and lease loss provision to assets | 0.0423% | 3,066 |
| Net operating income to assets | 0.4553% | 4,849 |
| Return on assets (ROA) | 0.5837% | 4,451 |
| Pretax return on assets | 0.5893% | 4,943 |
| Return on Equity (ROE) | 6.4233% | 3,817 |
| Retained earnings to average equity (ytd only) | 1.5205% | 4,874 |
| Net charge-offs to loans | -0.0188% | 5,018 |
| Credit loss provision to net charge-offs | -375.0000% | 4,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7600% | 1,202 |
| Assets per employee ($millions) | 3.9577% | 4,045 |
| Cash dividends to net income (ytd only)* | 76.3285% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 5,165 |
| Loan loss allowance to noncurrent loans | 20.8438% | 5,706 |
| Noncurrent assets plus other real estate owned to assets | 5.6627% | 195 |
| Noncurrent loans to loans | 4.6580% | 320 |
| Net loans and leases to total assets | 61.1149% | 3,513 |
| Net loans and leases to deposits | 85.3285% | 1,918 |
| Net loans and leases to core deposits | 86.0633% | 2,544 |
| Total domestic deposits to total assets | 71.6231% | 6,054 |
| Equity capital to assets | 9.3964% | 4,863 |
| Core capital (leverage) ratio | 9.0142% | 4,934 |
| Tier 1 risk-based capital ratio | 13.4209% | 4,365 |
| Total risk-based capital ratio | 14.3104% | 4,487 |
| Memoranda: | ||
| Average total assets | $141,856,000 | 3,779 |
| Average earning assets | $129,424,000 | 3,799 |
| Average equity | $12,890,500 | 4,254 |
| Average total loans | $85,128,500 | 3,772 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4537% | 5,426 |
| Cost of funding earning assets | 0.5133% | 2,543 |
| Net interest margin | 2.9404% | 5,568 |
| Noninterest income to average assets | 0.6099% | 2,798 |
| Noninterest expense to average assets | 3.0697% | 2,625 |
| Loan and lease loss provision to assets | 0.0140% | 4,332 |
| Net operating income to assets | 0.1986% | 5,769 |
| Return on assets (ROA) | 0.2210% | 5,789 |
| Pretax return on assets | 0.2210% | 5,837 |
| Return on Equity (ROE) | 2.5742% | 5,607 |
| Retained earnings to average equity (ytd only) | 2.5090% | 4,452 |
| Net charge-offs to loans | 0.3072% | 1,437 |
| Credit loss provision to net charge-offs | 7.6046% | 4,131 |
| Earnings coverage of net charge-offs (x) | 1.1559% | 4,490 |
| Efficiency ratio | 93.5223% | 622 |
| Assets per employee ($millions) | 4.1483% | 3,639 |
| Cash dividends to net income (ytd only)* | 2.5316% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9567% | 5,265 |
| Loan loss allowance to noncurrent loans | 39.6965% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 4.1897% | 392 |
| Noncurrent loans to loans | 2.4101% | 1,070 |
| Net loans and leases to total assets | 57.8266% | 4,065 |
| Net loans and leases to deposits | 82.8496% | 2,358 |
| Net loans and leases to core deposits | 83.9649% | 2,904 |
| Total domestic deposits to total assets | 69.7970% | 6,205 |
| Equity capital to assets | 8.7919% | 5,498 |
| Core capital (leverage) ratio | 9.1162% | 4,800 |
| Tier 1 risk-based capital ratio | 15.8244% | 3,043 |
| Total risk-based capital ratio | 16.8329% | 3,118 |
| Memoranda: | ||
| Average total assets | $142,979,000 | 3,740 |
| Average earning assets | $129,949,400 | 3,776 |
| Average equity | $12,275,600 | 4,309 |
| Average total loans | $85,618,800 | 3,723 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4488% | 5,504 |
| Cost of funding earning assets | 0.5247% | 2,520 |
| Net interest margin | 2.9240% | 5,652 |
| Noninterest income to average assets | 0.6824% | 2,415 |
| Noninterest expense to average assets | 3.0855% | 2,509 |
| Loan and lease loss provision to assets | 0.0187% | 4,033 |
| Net operating income to assets | 0.2387% | 5,758 |
| Return on assets (ROA) | 0.2687% | 5,747 |
| Pretax return on assets | 0.2687% | 5,829 |
| Return on Equity (ROE) | 3.1486% | 5,489 |
| Retained earnings to average equity (ytd only) | 3.1486% | 4,383 |
| Net charge-offs to loans | 0.3076% | 1,289 |
| Credit loss provision to net charge-offs | 10.1010% | 3,703 |
| Earnings coverage of net charge-offs (x) | 1.3889% | 4,168 |
| Efficiency ratio | 92.2991% | 687 |
| Assets per employee ($millions) | 4.0137% | 3,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 5,036 |
| Loan loss allowance to noncurrent loans | 28.2854% | 5,777 |
| Noncurrent assets plus other real estate owned to assets | 5.1424% | 319 |
| Noncurrent loans to loans | 3.6733% | 629 |
| Net loans and leases to total assets | 59.3944% | 3,885 |
| Net loans and leases to deposits | 86.3700% | 1,867 |
| Net loans and leases to core deposits | 88.0693% | 2,417 |
| Total domestic deposits to total assets | 68.7674% | 6,320 |
| Equity capital to assets | 8.9359% | 5,422 |
| Core capital (leverage) ratio | 9.0071% | 5,061 |
| Tier 1 risk-based capital ratio | 15.8469% | 3,130 |
| Total risk-based capital ratio | 16.9396% | 3,158 |
| Memoranda: | ||
| Average total assets | $142,426,000 | 3,782 |
| Average earning assets | $129,589,250 | 3,796 |
| Average equity | $12,153,250 | 4,357 |
| Average total loans | $85,831,000 | 3,757 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5233% | 5,361 |
| Cost of funding earning assets | 0.5246% | 2,592 |
| Net interest margin | 2.9986% | 5,533 |
| Noninterest income to average assets | 0.6947% | 2,310 |
| Noninterest expense to average assets | 3.1019% | 2,491 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3173% | 5,508 |
| Return on assets (ROA) | 0.3620% | 5,434 |
| Pretax return on assets | 0.3620% | 5,655 |
| Return on Equity (ROE) | 4.3095% | 5,013 |
| Retained earnings to average equity (ytd only) | 4.3095% | 3,426 |
| Net charge-offs to loans | 0.1367% | 2,300 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.8475% | 3,209 |
| Efficiency ratio | 90.7195% | 855 |
| Assets per employee ($millions) | 4.1178% | 3,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 4,618 |
| Loan loss allowance to noncurrent loans | 46.4519% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 4.3192% | 462 |
| Noncurrent loans to loans | 2.4976% | 1,245 |
| Net loans and leases to total assets | 58.8167% | 3,888 |
| Net loans and leases to deposits | 87.7426% | 1,623 |
| Net loans and leases to core deposits | 90.1740% | 2,111 |
| Total domestic deposits to total assets | 67.0332% | 6,455 |
| Equity capital to assets | 8.7293% | 5,591 |
| Core capital (leverage) ratio | 8.9199% | 5,135 |
| Tier 1 risk-based capital ratio | 15.5643% | 3,322 |
| Total risk-based capital ratio | 16.7860% | 3,288 |
| Memoranda: | ||
| Average total assets | $143,075,330 | 3,797 |
| Average earning assets | $129,992,330 | 3,809 |
| Average equity | $12,020,000 | 4,395 |
| Average total loans | $86,337,330 | 3,758 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5569% | 5,282 |
| Cost of funding earning assets | 0.5275% | 2,634 |
| Net interest margin | 3.0294% | 5,447 |
| Noninterest income to average assets | 0.7099% | 2,127 |
| Noninterest expense to average assets | 3.1371% | 2,414 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3283% | 5,398 |
| Return on assets (ROA) | 0.4181% | 5,118 |
| Pretax return on assets | 0.4181% | 5,396 |
| Return on Equity (ROE) | 5.0769% | 4,509 |
| Retained earnings to average equity (ytd only) | 5.0769% | 3,077 |
| Net charge-offs to loans | 0.2771% | 1,238 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.9500% | 2,978 |
| Efficiency ratio | 90.5263% | 986 |
| Assets per employee ($millions) | 3.8814% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 4,893 |
| Loan loss allowance to noncurrent loans | 46.8868% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 4.6361% | 464 |
| Noncurrent loans to loans | 2.4445% | 1,427 |
| Net loans and leases to total assets | 61.3562% | 3,337 |
| Net loans and leases to deposits | 89.6161% | 1,196 |
| Net loans and leases to core deposits | 92.1226% | 1,720 |
| Total domestic deposits to total assets | 68.4656% | 6,501 |
| Equity capital to assets | 8.5901% | 5,560 |
| Core capital (leverage) ratio | 8.7202% | 5,356 |
| Tier 1 risk-based capital ratio | 15.3106% | 3,546 |
| Total risk-based capital ratio | 16.5217% | 3,517 |
| Memoranda: | ||
| Average total assets | $142,551,000 | 3,838 |
| Average earning assets | $129,663,000 | 3,844 |
| Average equity | $11,739,500 | 4,465 |
| Average total loans | $86,624,000 | 3,783 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6795% | 5,195 |
| Cost of funding earning assets | 0.6260% | 2,427 |
| Net interest margin | 3.0535% | 5,444 |
| Noninterest income to average assets | 0.5877% | 3,166 |
| Noninterest expense to average assets | 3.0984% | 2,737 |
| Loan and lease loss provision to assets | 0.3950% | 760 |
| Net operating income to assets | -0.1342% | 6,327 |
| Return on assets (ROA) | -0.1342% | 6,344 |
| Pretax return on assets | -0.1342% | 6,312 |
| Return on Equity (ROE) | -1.5836% | 6,357 |
| Retained earnings to average equity (ytd only) | -1.8379% | 6,158 |
| Net charge-offs to loans | 0.3509% | 1,925 |
| Credit loss provision to net charge-offs | 186.2295% | 1,225 |
| Earnings coverage of net charge-offs (x) | 1.2295% | 4,663 |
| Efficiency ratio | 92.2360% | 863 |
| Assets per employee ($millions) | 3.9290% | 4,004 |
| Cash dividends to net income (ytd only)* | -16.0622% | 6,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 4,547 |
| Loan loss allowance to noncurrent loans | 35.4763% | 5,767 |
| Noncurrent assets plus other real estate owned to assets | 5.0257% | 466 |
| Noncurrent loans to loans | 3.4338% | 930 |
| Net loans and leases to total assets | 58.7919% | 3,908 |
| Net loans and leases to deposits | 86.4193% | 1,636 |
| Net loans and leases to core deposits | 89.2186% | 2,114 |
| Total domestic deposits to total assets | 68.0310% | 6,584 |
| Equity capital to assets | 7.8942% | 6,090 |
| Core capital (leverage) ratio | 8.7101% | 5,405 |
| Tier 1 risk-based capital ratio | 14.7681% | 3,807 |
| Total risk-based capital ratio | 16.0181% | 3,747 |
| Memoranda: | ||
| Average total assets | $143,784,400 | 3,816 |
| Average earning assets | $130,506,400 | 3,833 |
| Average equity | $12,187,600 | 4,411 |
| Average total loans | $86,907,600 | 3,760 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7050% | 5,154 |
| Cost of funding earning assets | 0.6419% | 2,435 |
| Net interest margin | 3.0631% | 5,423 |
| Noninterest income to average assets | 0.5774% | 3,287 |
| Noninterest expense to average assets | 3.1122% | 2,613 |
| Loan and lease loss provision to assets | 0.4910% | 565 |
| Net operating income to assets | -0.2436% | 6,490 |
| Return on assets (ROA) | -0.2436% | 6,506 |
| Pretax return on assets | -0.2436% | 6,486 |
| Return on Equity (ROE) | -2.8250% | 6,511 |
| Retained earnings to average equity (ytd only) | -2.8250% | 6,339 |
| Net charge-offs to loans | 0.0613% | 4,026 |
| Credit loss provision to net charge-offs | 1,320.0000% | 242 |
| Earnings coverage of net charge-offs (x) | 6.6503% | 2,930 |
| Efficiency ratio | 92.6377% | 814 |
| Assets per employee ($millions) | 3.8110% | 4,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4632% | 3,628 |
| Loan loss allowance to noncurrent loans | 29.9532% | 5,995 |
| Noncurrent assets plus other real estate owned to assets | 5.6443% | 451 |
| Noncurrent loans to loans | 4.8850% | 628 |
| Net loans and leases to total assets | 59.4756% | 3,781 |
| Net loans and leases to deposits | 89.3986% | 1,234 |
| Net loans and leases to core deposits | 92.3727% | 1,738 |
| Total domestic deposits to total assets | 66.5286% | 6,696 |
| Equity capital to assets | 8.1060% | 6,073 |
| Core capital (leverage) ratio | 8.4523% | 5,814 |
| Tier 1 risk-based capital ratio | 14.5481% | 4,048 |
| Total risk-based capital ratio | 15.8009% | 3,995 |
| Memoranda: | ||
| Average total assets | $143,387,500 | 3,858 |
| Average earning assets | $130,233,750 | 3,876 |
| Average equity | $12,365,500 | 4,421 |
| Average total loans | $87,004,250 | 3,791 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7175% | 5,090 |
| Cost of funding earning assets | 0.6540% | 2,459 |
| Net interest margin | 3.0635% | 5,383 |
| Noninterest income to average assets | 0.5192% | 3,704 |
| Noninterest expense to average assets | 3.1460% | 2,525 |
| Loan and lease loss provision to assets | 0.7109% | 323 |
| Net operating income to assets | -0.5584% | 6,655 |
| Return on assets (ROA) | -0.5584% | 6,666 |
| Pretax return on assets | -0.5584% | 6,652 |
| Return on Equity (ROE) | -6.3463% | 6,670 |
| Retained earnings to average equity (ytd only) | -6.3463% | 6,537 |
| Net charge-offs to loans | 0.0783% | 3,598 |
| Credit loss provision to net charge-offs | 1,494.1176% | 219 |
| Earnings coverage of net charge-offs (x) | 3.2059% | 3,457 |
| Efficiency ratio | 95.3755% | 691 |
| Assets per employee ($millions) | 3.7382% | 4,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4549% | 3,792 |
| Loan loss allowance to noncurrent loans | 31.6633% | 5,954 |
| Noncurrent assets plus other real estate owned to assets | 5.8261% | 479 |
| Noncurrent loans to loans | 4.5948% | 752 |
| Net loans and leases to total assets | 60.2713% | 3,609 |
| Net loans and leases to deposits | 89.8752% | 1,155 |
| Net loans and leases to core deposits | 92.8983% | 1,623 |
| Total domestic deposits to total assets | 67.0611% | 6,738 |
| Equity capital to assets | 8.2513% | 6,019 |
| Core capital (leverage) ratio | 8.5636% | 5,591 |
| Tier 1 risk-based capital ratio | 14.2919% | 4,233 |
| Total risk-based capital ratio | 15.5446% | 4,182 |
| Memoranda: | ||
| Average total assets | $142,910,330 | 3,899 |
| Average earning assets | $129,655,670 | 3,912 |
| Average equity | $12,574,330 | 4,411 |
| Average total loans | $86,868,670 | 3,795 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7446% | 5,007 |
| Cost of funding earning assets | 0.6741% | 2,450 |
| Net interest margin | 3.0705% | 5,364 |
| Noninterest income to average assets | 0.6028% | 3,122 |
| Noninterest expense to average assets | 3.1785% | 2,420 |
| Loan and lease loss provision to assets | 1.0548% | 164 |
| Net operating income to assets | -0.8595% | 6,776 |
| Return on assets (ROA) | -0.8595% | 6,789 |
| Pretax return on assets | -0.8595% | 6,768 |
| Return on Equity (ROE) | -9.4762% | 6,794 |
| Retained earnings to average equity (ytd only) | -9.4762% | 6,591 |
| Net charge-offs to loans | 0.1428% | 2,548 |
| Credit loss provision to net charge-offs | 1,219.3548% | 264 |
| Earnings coverage of net charge-offs (x) | 2.2581% | 3,089 |
| Efficiency ratio | 94.2101% | 823 |
| Assets per employee ($millions) | 3.6679% | 4,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3075% | 4,658 |
| Loan loss allowance to noncurrent loans | 26.9349% | 6,130 |
| Noncurrent assets plus other real estate owned to assets | 6.2783% | 495 |
| Noncurrent loans to loans | 4.8541% | 797 |
| Net loans and leases to total assets | 60.0501% | 3,421 |
| Net loans and leases to deposits | 88.8738% | 1,063 |
| Net loans and leases to core deposits | 92.7426% | 1,434 |
| Total domestic deposits to total assets | 67.5678% | 6,813 |
| Equity capital to assets | 8.9718% | 5,518 |
| Core capital (leverage) ratio | 8.6653% | 5,374 |
| Tier 1 risk-based capital ratio | 14.2902% | 4,297 |
| Total risk-based capital ratio | 15.5416% | 4,263 |
| Memoranda: | ||
| Average total assets | $143,340,000 | 3,924 |
| Average earning assets | $129,358,000 | 3,954 |
| Average equity | $13,001,000 | 4,383 |
| Average total loans | $86,863,000 | 3,815 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0639% | 5,088 |
| Cost of funding earning assets | 0.8200% | 2,512 |
| Net interest margin | 3.2439% | 5,446 |
| Noninterest income to average assets | 0.4131% | 4,505 |
| Noninterest expense to average assets | 3.2302% | 2,515 |
| Loan and lease loss provision to assets | 0.3242% | 2,101 |
| Net operating income to assets | -0.1944% | 6,374 |
| Return on assets (ROA) | -0.1173% | 6,395 |
| Pretax return on assets | -0.1173% | 6,374 |
| Return on Equity (ROE) | -1.2590% | 6,404 |
| Retained earnings to average equity (ytd only) | -3.6279% | 6,323 |
| Net charge-offs to loans | 0.4772% | 2,332 |
| Credit loss provision to net charge-offs | 108.8578% | 2,700 |
| Earnings coverage of net charge-offs (x) | 0.4359% | 5,270 |
| Efficiency ratio | 96.1364% | 703 |
| Assets per employee ($millions) | 3.5032% | 4,998 |
| Cash dividends to net income (ytd only)* | -188.1657% | 7,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9125% | 6,238 |
| Loan loss allowance to noncurrent loans | 21.0037% | 6,359 |
| Noncurrent assets plus other real estate owned to assets | 6.0635% | 566 |
| Noncurrent loans to loans | 4.3444% | 1,007 |
| Net loans and leases to total assets | 59.8032% | 3,638 |
| Net loans and leases to deposits | 84.1944% | 1,732 |
| Net loans and leases to core deposits | 89.6749% | 1,869 |
| Total domestic deposits to total assets | 71.0299% | 6,743 |
| Equity capital to assets | 9.1679% | 5,312 |
| Core capital (leverage) ratio | 8.9622% | 4,961 |
| Tier 1 risk-based capital ratio | 14.6299% | 3,946 |
| Total risk-based capital ratio | 15.5454% | 4,125 |
| Memoranda: | ||
| Average total assets | $144,045,600 | 3,880 |
| Average earning assets | $130,861,000 | 3,880 |
| Average equity | $13,423,600 | 4,268 |
| Average total loans | $89,895,600 | 3,751 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1063% | 5,166 |
| Cost of funding earning assets | 0.8411% | 2,620 |
| Net interest margin | 3.2652% | 5,496 |
| Noninterest income to average assets | 0.4597% | 4,213 |
| Noninterest expense to average assets | 3.2022% | 2,559 |
| Loan and lease loss provision to assets | 0.2035% | 3,043 |
| Net operating income to assets | 0.0342% | 6,233 |
| Return on assets (ROA) | 0.0527% | 6,342 |
| Pretax return on assets | 0.0527% | 6,331 |
| Return on Equity (ROE) | 0.5635% | 6,335 |
| Retained earnings to average equity (ytd only) | -2.0562% | 6,405 |
| Net charge-offs to loans | 0.3719% | 2,613 |
| Credit loss provision to net charge-offs | 86.9565% | 3,394 |
| Earnings coverage of net charge-offs (x) | 1.0158% | 4,809 |
| Efficiency ratio | 93.0895% | 830 |
| Assets per employee ($millions) | 3.5071% | 4,967 |
| Cash dividends to net income (ytd only)* | 464.8947% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8304% | 6,540 |
| Loan loss allowance to noncurrent loans | 20.6440% | 6,478 |
| Noncurrent assets plus other real estate owned to assets | 6.2345% | 624 |
| Noncurrent loans to loans | 4.0224% | 1,266 |
| Net loans and leases to total assets | 61.1243% | 3,548 |
| Net loans and leases to deposits | 87.4657% | 1,418 |
| Net loans and leases to core deposits | 97.8780% | 1,271 |
| Total domestic deposits to total assets | 69.8837% | 6,850 |
| Equity capital to assets | 9.7125% | 4,909 |
| Core capital (leverage) ratio | 8.8160% | 5,320 |
| Tier 1 risk-based capital ratio | 15.1627% | 3,735 |
| Total risk-based capital ratio | 16.0054% | 3,970 |
| Memoranda: | ||
| Average total assets | $144,149,250 | 3,918 |
| Average earning assets | $131,566,250 | 3,902 |
| Average equity | $13,487,500 | 4,298 |
| Average total loans | $90,697,750 | 3,769 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1379% | 5,171 |
| Cost of funding earning assets | 0.8634% | 2,700 |
| Net interest margin | 3.2745% | 5,522 |
| Noninterest income to average assets | 0.6587% | 2,902 |
| Noninterest expense to average assets | 3.1780% | 2,660 |
| Loan and lease loss provision to assets | 0.3025% | 2,170 |
| Net operating income to assets | 0.1664% | 6,010 |
| Return on assets (ROA) | 0.1939% | 6,119 |
| Pretax return on assets | 0.1939% | 6,160 |
| Return on Equity (ROE) | 2.0980% | 6,015 |
| Retained earnings to average equity (ytd only) | -0.5059% | 6,127 |
| Net charge-offs to loans | 0.2041% | 3,348 |
| Credit loss provision to net charge-offs | 234.0426% | 1,216 |
| Earnings coverage of net charge-offs (x) | 3.6277% | 3,321 |
| Efficiency ratio | 87.1418% | 1,324 |
| Assets per employee ($millions) | 3.3817% | 5,244 |
| Cash dividends to net income (ytd only)* | 124.1135% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9693% | 6,264 |
| Loan loss allowance to noncurrent loans | 18.9920% | 6,546 |
| Noncurrent assets plus other real estate owned to assets | 6.3126% | 660 |
| Noncurrent loans to loans | 5.1039% | 949 |
| Net loans and leases to total assets | 63.1543% | 3,207 |
| Net loans and leases to deposits | 89.0544% | 1,246 |
| Net loans and leases to core deposits | 99.3333% | 1,145 |
| Total domestic deposits to total assets | 70.9166% | 6,859 |
| Equity capital to assets | 9.4879% | 5,084 |
| Core capital (leverage) ratio | 9.0945% | 4,767 |
| Tier 1 risk-based capital ratio | 15.0623% | 3,728 |
| Total risk-based capital ratio | 16.0723% | 3,847 |
| Memoranda: | ||
| Average total assets | $145,438,000 | 3,913 |
| Average earning assets | $132,723,670 | 3,908 |
| Average equity | $13,441,670 | 4,309 |
| Average total loans | $92,108,670 | 3,753 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2033% | 5,089 |
| Cost of funding earning assets | 0.9026% | 2,667 |
| Net interest margin | 3.3007% | 5,479 |
| Noninterest income to average assets | 0.6416% | 2,977 |
| Noninterest expense to average assets | 3.2024% | 2,586 |
| Loan and lease loss provision to assets | 0.1631% | 3,351 |
| Net operating income to assets | 0.2882% | 5,696 |
| Return on assets (ROA) | 0.2882% | 5,866 |
| Pretax return on assets | 0.2882% | 6,005 |
| Return on Equity (ROE) | 3.1584% | 5,649 |
| Retained earnings to average equity (ytd only) | 0.6257% | 5,808 |
| Net charge-offs to loans | 0.2799% | 2,548 |
| Credit loss provision to net charge-offs | 92.3077% | 2,508 |
| Earnings coverage of net charge-offs (x) | 2.5538% | 3,146 |
| Efficiency ratio | 87.6488% | 1,315 |
| Assets per employee ($millions) | 3.4477% | 5,243 |
| Cash dividends to net income (ytd only)* | 80.1887% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8171% | 6,710 |
| Loan loss allowance to noncurrent loans | 20.3044% | 6,553 |
| Noncurrent assets plus other real estate owned to assets | 5.3025% | 955 |
| Noncurrent loans to loans | 4.0240% | 1,520 |
| Net loans and leases to total assets | 61.1659% | 3,418 |
| Net loans and leases to deposits | 86.3823% | 1,374 |
| Net loans and leases to core deposits | 98.1428% | 1,116 |
| Total domestic deposits to total assets | 70.8083% | 6,941 |
| Equity capital to assets | 9.1561% | 5,283 |
| Core capital (leverage) ratio | 8.6832% | 5,329 |
| Tier 1 risk-based capital ratio | 14.9723% | 3,779 |
| Total risk-based capital ratio | 15.8229% | 4,003 |
| Memoranda: | ||
| Average total assets | $147,140,500 | 3,922 |
| Average earning assets | $134,276,500 | 3,910 |
| Average equity | $13,424,500 | 4,320 |
| Average total loans | $92,874,000 | 3,758 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5062% | 5,050 |
| Cost of funding earning assets | 1.0709% | 2,876 |
| Net interest margin | 3.4353% | 5,380 |
| Noninterest income to average assets | 0.6795% | 2,729 |
| Noninterest expense to average assets | 3.2527% | 2,678 |
| Loan and lease loss provision to assets | 0.3254% | 3,085 |
| Net operating income to assets | 0.2153% | 5,544 |
| Return on assets (ROA) | 0.2153% | 5,682 |
| Pretax return on assets | 0.2153% | 5,745 |
| Return on Equity (ROE) | 2.3871% | 5,514 |
| Retained earnings to average equity (ytd only) | 1.5308% | 5,121 |
| Net charge-offs to loans | 1.2333% | 1,353 |
| Credit loss provision to net charge-offs | 39.0484% | 5,645 |
| Earnings coverage of net charge-offs (x) | 0.6489% | 5,336 |
| Efficiency ratio | 85.7452% | 1,592 |
| Assets per employee ($millions) | 3.3189% | 5,458 |
| Cash dividends to net income (ytd only)* | 35.8730% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7973% | 6,747 |
| Loan loss allowance to noncurrent loans | 25.5695% | 6,408 |
| Noncurrent assets plus other real estate owned to assets | 4.6073% | 1,187 |
| Noncurrent loans to loans | 3.1180% | 2,074 |
| Net loans and leases to total assets | 64.0759% | 3,177 |
| Net loans and leases to deposits | 87.7874% | 1,411 |
| Net loans and leases to core deposits | 98.7859% | 1,280 |
| Total domestic deposits to total assets | 72.9898% | 6,811 |
| Equity capital to assets | 9.0906% | 5,426 |
| Core capital (leverage) ratio | 9.1731% | 4,504 |
| Tier 1 risk-based capital ratio | 14.8952% | 3,701 |
| Total risk-based capital ratio | 15.7484% | 3,952 |
| Memoranda: | ||
| Average total assets | $146,277,400 | 3,868 |
| Average earning assets | $132,595,000 | 3,879 |
| Average equity | $13,196,000 | 4,305 |
| Average total loans | $98,842,200 | 3,649 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5573% | 5,052 |
| Cost of funding earning assets | 1.0921% | 3,032 |
| Net interest margin | 3.4653% | 5,334 |
| Noninterest income to average assets | 0.6897% | 2,668 |
| Noninterest expense to average assets | 3.2244% | 2,751 |
| Loan and lease loss provision to assets | 0.4337% | 2,309 |
| Net operating income to assets | 0.1713% | 5,770 |
| Return on assets (ROA) | 0.1713% | 5,899 |
| Pretax return on assets | 0.1713% | 5,949 |
| Return on Equity (ROE) | 1.9024% | 5,809 |
| Retained earnings to average equity (ytd only) | 1.9024% | 5,189 |
| Net charge-offs to loans | 1.6111% | 879 |
| Credit loss provision to net charge-offs | 39.4040% | 5,262 |
| Earnings coverage of net charge-offs (x) | 0.5497% | 5,220 |
| Efficiency ratio | 84.2018% | 1,715 |
| Assets per employee ($millions) | 3.3271% | 5,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7977% | 6,825 |
| Loan loss allowance to noncurrent loans | 22.5037% | 6,601 |
| Noncurrent assets plus other real estate owned to assets | 5.0351% | 1,142 |
| Noncurrent loans to loans | 3.5445% | 1,937 |
| Net loans and leases to total assets | 64.9054% | 3,126 |
| Net loans and leases to deposits | 93.7024% | 860 |
| Net loans and leases to core deposits | 106.1133% | 856 |
| Total domestic deposits to total assets | 69.2677% | 7,074 |
| Equity capital to assets | 9.1090% | 5,632 |
| Core capital (leverage) ratio | 8.5950% | 5,560 |
| Tier 1 risk-based capital ratio | 14.6493% | 3,867 |
| Total risk-based capital ratio | 15.5029% | 4,124 |
| Memoranda: | ||
| Average total assets | $146,339,250 | 3,882 |
| Average earning assets | $132,588,500 | 3,900 |
| Average equity | $13,176,250 | 4,311 |
| Average total loans | $99,972,250 | 3,652 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5656% | 5,115 |
| Cost of funding earning assets | 1.0898% | 3,321 |
| Net interest margin | 3.4758% | 5,271 |
| Noninterest income to average assets | 0.6862% | 2,622 |
| Noninterest expense to average assets | 3.2408% | 2,763 |
| Loan and lease loss provision to assets | 0.3431% | 2,727 |
| Net operating income to assets | 0.2542% | 5,547 |
| Return on assets (ROA) | 0.2542% | 5,669 |
| Pretax return on assets | 0.2542% | 5,798 |
| Return on Equity (ROE) | 2.8346% | 5,467 |
| Retained earnings to average equity (ytd only) | 2.8346% | 4,483 |
| Net charge-offs to loans | 0.5682% | 2,403 |
| Credit loss provision to net charge-offs | 87.1528% | 3,547 |
| Earnings coverage of net charge-offs (x) | 1.5174% | 4,156 |
| Efficiency ratio | 84.4373% | 1,766 |
| Assets per employee ($millions) | 3.2319% | 5,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4684% | 4,263 |
| Loan loss allowance to noncurrent loans | 34.3052% | 6,025 |
| Noncurrent assets plus other real estate owned to assets | 5.6588% | 1,029 |
| Noncurrent loans to loans | 4.2805% | 1,581 |
| Net loans and leases to total assets | 67.3141% | 2,757 |
| Net loans and leases to deposits | 98.4345% | 573 |
| Net loans and leases to core deposits | 111.7556% | 658 |
| Total domestic deposits to total assets | 68.3847% | 7,173 |
| Equity capital to assets | 9.1126% | 5,412 |
| Core capital (leverage) ratio | 9.0436% | 4,657 |
| Tier 1 risk-based capital ratio | 14.3025% | 3,934 |
| Total risk-based capital ratio | 15.5571% | 3,908 |
| Memoranda: | ||
| Average total assets | $146,321,330 | 3,913 |
| Average earning assets | $132,689,000 | 3,932 |
| Average equity | $13,123,330 | 4,313 |
| Average total loans | $101,369,330 | 3,650 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5742% | 5,057 |
| Cost of funding earning assets | 1.0917% | 3,577 |
| Net interest margin | 3.4825% | 5,089 |
| Noninterest income to average assets | 0.6650% | 2,757 |
| Noninterest expense to average assets | 3.2406% | 2,736 |
| Loan and lease loss provision to assets | 0.3434% | 2,506 |
| Net operating income to assets | 0.2371% | 5,655 |
| Return on assets (ROA) | 0.2371% | 5,723 |
| Pretax return on assets | 0.2371% | 5,845 |
| Return on Equity (ROE) | 2.6649% | 5,536 |
| Retained earnings to average equity (ytd only) | 2.6649% | 4,567 |
| Net charge-offs to loans | 0.0977% | 3,969 |
| Credit loss provision to net charge-offs | 504.0000% | 709 |
| Earnings coverage of net charge-offs (x) | 8.5200% | 1,818 |
| Efficiency ratio | 84.8074% | 1,867 |
| Assets per employee ($millions) | 3.1798% | 5,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5761% | 3,839 |
| Loan loss allowance to noncurrent loans | 33.5860% | 6,061 |
| Noncurrent assets plus other real estate owned to assets | 5.9616% | 976 |
| Noncurrent loans to loans | 4.6928% | 1,479 |
| Net loans and leases to total assets | 68.0946% | 2,532 |
| Net loans and leases to deposits | 99.1953% | 515 |
| Net loans and leases to core deposits | 114.3799% | 590 |
| Total domestic deposits to total assets | 68.6470% | 7,243 |
| Equity capital to assets | 8.9499% | 5,286 |
| Core capital (leverage) ratio | 8.6383% | 5,193 |
| Tier 1 risk-based capital ratio | 14.0059% | 4,066 |
| Total risk-based capital ratio | 15.2619% | 4,046 |
| Memoranda: | ||
| Average total assets | $146,764,000 | 3,937 |
| Average earning assets | $133,008,000 | 3,958 |
| Average equity | $13,058,500 | 4,327 |
| Average total loans | $102,375,000 | 3,657 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7427% | 5,643 |
| Cost of funding earning assets | 1.3625% | 3,501 |
| Net interest margin | 3.3802% | 5,700 |
| Noninterest income to average assets | 0.6845% | 2,940 |
| Noninterest expense to average assets | 3.0691% | 3,590 |
| Loan and lease loss provision to assets | 1.3878% | 1,083 |
| Net operating income to assets | -0.6768% | 6,497 |
| Return on assets (ROA) | -0.6691% | 6,532 |
| Pretax return on assets | -0.6691% | 6,438 |
| Return on Equity (ROE) | -8.1214% | 6,633 |
| Retained earnings to average equity (ytd only) | -10.8311% | 6,705 |
| Net charge-offs to loans | 1.5900% | 1,370 |
| Credit loss provision to net charge-offs | 124.1200% | 3,326 |
| Earnings coverage of net charge-offs (x) | 0.6359% | 5,473 |
| Efficiency ratio | 81.1913% | 2,266 |
| Assets per employee ($millions) | 3.2724% | 5,487 |
| Cash dividends to net income (ytd only)* | -33.3655% | 7,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4437% | 4,315 |
| Loan loss allowance to noncurrent loans | 37.5911% | 5,803 |
| Noncurrent assets plus other real estate owned to assets | 5.3267% | 1,167 |
| Noncurrent loans to loans | 3.8405% | 1,917 |
| Net loans and leases to total assets | 69.3056% | 2,707 |
| Net loans and leases to deposits | 97.9368% | 723 |
| Net loans and leases to core deposits | 110.4859% | 891 |
| Total domestic deposits to total assets | 70.7656% | 7,189 |
| Equity capital to assets | 8.8457% | 5,364 |
| Core capital (leverage) ratio | 8.6507% | 5,102 |
| Tier 1 risk-based capital ratio | 13.7367% | 4,033 |
| Total risk-based capital ratio | 14.9908% | 4,008 |
| Memoranda: | ||
| Average total assets | $154,995,000 | 3,793 |
| Average earning assets | $141,944,800 | 3,784 |
| Average equity | $12,768,800 | 4,403 |
| Average total loans | $108,993,000 | 3,567 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7409% | 5,888 |
| Cost of funding earning assets | 1.4273% | 3,410 |
| Net interest margin | 3.3137% | 5,965 |
| Noninterest income to average assets | 0.6771% | 2,960 |
| Noninterest expense to average assets | 3.0127% | 3,696 |
| Loan and lease loss provision to assets | 1.3356% | 1,032 |
| Net operating income to assets | -0.6236% | 6,682 |
| Return on assets (ROA) | -0.6236% | 6,726 |
| Pretax return on assets | -0.6236% | 6,634 |
| Return on Equity (ROE) | -7.7031% | 6,822 |
| Retained earnings to average equity (ytd only) | -10.9145% | 6,921 |
| Net charge-offs to loans | 2.0818% | 888 |
| Credit loss provision to net charge-offs | 91.2362% | 4,719 |
| Earnings coverage of net charge-offs (x) | 0.4864% | 5,536 |
| Efficiency ratio | 80.8850% | 2,231 |
| Assets per employee ($millions) | 3.2795% | 5,517 |
| Cash dividends to net income (ytd only)* | -41.6895% | 7,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8787% | 6,806 |
| Loan loss allowance to noncurrent loans | 19.8714% | 6,910 |
| Noncurrent assets plus other real estate owned to assets | 5.2924% | 1,178 |
| Noncurrent loans to loans | 4.4218% | 1,643 |
| Net loans and leases to total assets | 69.3193% | 2,894 |
| Net loans and leases to deposits | 102.5185% | 504 |
| Net loans and leases to core deposits | 116.0723% | 743 |
| Total domestic deposits to total assets | 67.6164% | 7,403 |
| Equity capital to assets | 8.9224% | 5,680 |
| Core capital (leverage) ratio | 8.3462% | 5,795 |
| Tier 1 risk-based capital ratio | 13.8154% | 3,968 |
| Total risk-based capital ratio | 14.7806% | 4,131 |
| Memoranda: | ||
| Average total assets | $156,929,250 | 3,816 |
| Average earning assets | $144,328,750 | 3,781 |
| Average equity | $12,704,500 | 4,499 |
| Average total loans | $110,353,000 | 3,600 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7443% | 5,999 |
| Cost of funding earning assets | 1.5158% | 3,162 |
| Net interest margin | 3.2285% | 6,224 |
| Noninterest income to average assets | 0.6555% | 2,978 |
| Noninterest expense to average assets | 2.9870% | 3,753 |
| Loan and lease loss provision to assets | 1.7942% | 691 |
| Net operating income to assets | -1.1563% | 7,010 |
| Return on assets (ROA) | -1.1563% | 7,029 |
| Pretax return on assets | -1.1563% | 6,956 |
| Return on Equity (ROE) | -14.7599% | 7,139 |
| Retained earnings to average equity (ytd only) | -19.6745% | 7,250 |
| Net charge-offs to loans | 2.1291% | 850 |
| Credit loss provision to net charge-offs | 119.6309% | 3,400 |
| Earnings coverage of net charge-offs (x) | 0.4253% | 5,299 |
| Efficiency ratio | 82.4019% | 2,110 |
| Assets per employee ($millions) | 3.3575% | 5,295 |
| Cash dividends to net income (ytd only)* | -33.2971% | 7,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 5,409 |
| Loan loss allowance to noncurrent loans | 26.9144% | 6,556 |
| Noncurrent assets plus other real estate owned to assets | 5.1063% | 1,244 |
| Noncurrent loans to loans | 4.4884% | 1,618 |
| Net loans and leases to total assets | 67.9406% | 3,377 |
| Net loans and leases to deposits | 98.1525% | 863 |
| Net loans and leases to core deposits | 110.4412% | 1,139 |
| Total domestic deposits to total assets | 69.2194% | 7,376 |
| Equity capital to assets | 8.3027% | 6,425 |
| Core capital (leverage) ratio | 8.2601% | 5,841 |
| Tier 1 risk-based capital ratio | 13.1411% | 4,327 |
| Total risk-based capital ratio | 14.3919% | 4,287 |
| Memoranda: | ||
| Average total assets | $158,953,330 | 3,812 |
| Average earning assets | $146,196,000 | 3,778 |
| Average equity | $12,452,670 | 4,563 |
| Average total loans | $111,970,670 | 3,580 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8991% | 5,463 |
| Cost of funding earning assets | 1.6149% | 2,870 |
| Net interest margin | 3.2843% | 6,032 |
| Noninterest income to average assets | 0.6394% | 3,001 |
| Noninterest expense to average assets | 2.9688% | 3,785 |
| Loan and lease loss provision to assets | 0.3786% | 3,096 |
| Net operating income to assets | 0.3109% | 5,249 |
| Return on assets (ROA) | 0.3109% | 5,379 |
| Pretax return on assets | 0.3109% | 5,570 |
| Return on Equity (ROE) | 4.0897% | 4,854 |
| Retained earnings to average equity (ytd only) | -4.5844% | 6,554 |
| Net charge-offs to loans | 0.0633% | 4,781 |
| Credit loss provision to net charge-offs | 838.8889% | 546 |
| Earnings coverage of net charge-offs (x) | 15.2778% | 1,391 |
| Efficiency ratio | 81.1515% | 2,394 |
| Assets per employee ($millions) | 3.4607% | 5,127 |
| Cash dividends to net income (ytd only)* | 212.0968% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 6,109 |
| Loan loss allowance to noncurrent loans | 38.0818% | 5,818 |
| Noncurrent assets plus other real estate owned to assets | 2.8293% | 2,564 |
| Noncurrent loans to loans | 2.8321% | 2,838 |
| Net loans and leases to total assets | 69.7742% | 2,992 |
| Net loans and leases to deposits | 103.9230% | 532 |
| Net loans and leases to core deposits | 118.7168% | 839 |
| Total domestic deposits to total assets | 67.1403% | 7,568 |
| Equity capital to assets | 7.6750% | 6,949 |
| Core capital (leverage) ratio | 7.6535% | 6,676 |
| Tier 1 risk-based capital ratio | 12.0468% | 5,150 |
| Total risk-based capital ratio | 13.2264% | 5,181 |
| Memoranda: | ||
| Average total assets | $159,528,000 | 3,853 |
| Average earning assets | $146,639,000 | 3,823 |
| Average equity | $12,128,000 | 4,683 |
| Average total loans | $113,694,000 | 3,599 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2893% | 5,231 |
| Cost of funding earning assets | 1.7018% | 4,497 |
| Net interest margin | 3.5875% | 4,595 |
| Noninterest income to average assets | 0.6669% | 3,179 |
| Noninterest expense to average assets | 2.9380% | 4,394 |
| Loan and lease loss provision to assets | 0.2814% | 5,169 |
| Net operating income to assets | 0.7649% | 2,658 |
| Return on assets (ROA) | 0.7835% | 2,683 |
| Pretax return on assets | 0.7785% | 3,309 |
| Return on Equity (ROE) | 11.1991% | 1,376 |
| Retained earnings to average equity (ytd only) | 0.0620% | 4,869 |
| Net charge-offs to loans | 0.3121% | 4,681 |
| Credit loss provision to net charge-offs | 128.6119% | 4,006 |
| Earnings coverage of net charge-offs (x) | 4.7592% | 2,828 |
| Efficiency ratio | 73.8318% | 3,931 |
| Assets per employee ($millions) | 3.4753% | 5,067 |
| Cash dividends to net income (ytd only)* | 99.4462% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 6,682 |
| Loan loss allowance to noncurrent loans | 37.5741% | 5,928 |
| Noncurrent assets plus other real estate owned to assets | 2.5153% | 2,781 |
| Noncurrent loans to loans | 2.4926% | 3,050 |
| Net loans and leases to total assets | 71.3256% | 2,920 |
| Net loans and leases to deposits | 104.5363% | 623 |
| Net loans and leases to core deposits | 111.7203% | 2,725 |
| Total domestic deposits to total assets | 68.2305% | 7,529 |
| Equity capital to assets | 7.5302% | 7,006 |
| Core capital (leverage) ratio | 7.7893% | 6,465 |
| Tier 1 risk-based capital ratio | 11.9986% | 4,945 |
| Total risk-based capital ratio | 13.0328% | 5,089 |
| Memoranda: | ||
| Average total assets | $161,334,800 | 3,745 |
| Average earning assets | $148,960,200 | 3,734 |
| Average equity | $11,286,600 | 4,946 |
| Average total loans | $113,115,800 | 3,623 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3385% | 5,229 |
| Cost of funding earning assets | 1.7347% | 4,725 |
| Net interest margin | 3.6038% | 4,470 |
| Noninterest income to average assets | 0.6687% | 3,226 |
| Noninterest expense to average assets | 2.9271% | 4,328 |
| Loan and lease loss provision to assets | 0.2754% | 4,772 |
| Net operating income to assets | 0.8097% | 2,774 |
| Return on assets (ROA) | 0.8097% | 2,837 |
| Pretax return on assets | 0.8031% | 3,533 |
| Return on Equity (ROE) | 11.7968% | 1,419 |
| Retained earnings to average equity (ytd only) | 0.7208% | 4,883 |
| Net charge-offs to loans | 0.1575% | 5,133 |
| Credit loss provision to net charge-offs | 251.1278% | 1,710 |
| Earnings coverage of net charge-offs (x) | 9.8345% | 2,050 |
| Efficiency ratio | 73.0753% | 4,042 |
| Assets per employee ($millions) | 3.4959% | 4,938 |
| Cash dividends to net income (ytd only)* | 93.8899% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0186% | 6,172 |
| Loan loss allowance to noncurrent loans | 31.2367% | 6,366 |
| Noncurrent assets plus other real estate owned to assets | 3.0340% | 2,282 |
| Noncurrent loans to loans | 3.2608% | 2,323 |
| Net loans and leases to total assets | 71.1245% | 3,241 |
| Net loans and leases to deposits | 111.9742% | 392 |
| Net loans and leases to core deposits | 119.9903% | 2,243 |
| Total domestic deposits to total assets | 63.5187% | 7,788 |
| Equity capital to assets | 7.3776% | 7,385 |
| Core capital (leverage) ratio | 7.7135% | 6,715 |
| Tier 1 risk-based capital ratio | 11.9003% | 5,063 |
| Total risk-based capital ratio | 13.0154% | 5,128 |
| Memoranda: | ||
| Average total assets | $161,702,500 | 3,768 |
| Average earning assets | $149,725,500 | 3,730 |
| Average equity | $11,098,750 | 5,047 |
| Average total loans | $112,619,250 | 3,662 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3793% | 5,251 |
| Cost of funding earning assets | 1.7464% | 5,033 |
| Net interest margin | 3.6328% | 4,233 |
| Noninterest income to average assets | 0.6790% | 3,124 |
| Noninterest expense to average assets | 2.9704% | 4,205 |
| Loan and lease loss provision to assets | 0.3012% | 4,153 |
| Net operating income to assets | 0.7716% | 2,963 |
| Return on assets (ROA) | 0.7716% | 3,068 |
| Pretax return on assets | 0.7716% | 3,771 |
| Return on Equity (ROE) | 11.5275% | 1,552 |
| Retained earnings to average equity (ytd only) | -0.9775% | 5,478 |
| Net charge-offs to loans | 0.2239% | 4,095 |
| Credit loss provision to net charge-offs | 195.2000% | 2,342 |
| Earnings coverage of net charge-offs (x) | 6.9520% | 2,522 |
| Efficiency ratio | 73.4656% | 4,115 |
| Assets per employee ($millions) | 3.5956% | 4,579 |
| Cash dividends to net income (ytd only)* | 108.4800% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 6,392 |
| Loan loss allowance to noncurrent loans | 41.0795% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 2.3665% | 2,743 |
| Noncurrent loans to loans | 2.3815% | 3,031 |
| Net loans and leases to total assets | 68.5599% | 4,058 |
| Net loans and leases to deposits | 105.1797% | 819 |
| Net loans and leases to core deposits | 112.4273% | 3,086 |
| Total domestic deposits to total assets | 65.1836% | 7,779 |
| Equity capital to assets | 6.9189% | 7,653 |
| Core capital (leverage) ratio | 7.7140% | 6,734 |
| Tier 1 risk-based capital ratio | 12.2416% | 4,726 |
| Total risk-based capital ratio | 13.3194% | 4,775 |
| Memoranda: | ||
| Average total assets | $161,999,670 | 3,782 |
| Average earning assets | $150,020,000 | 3,744 |
| Average equity | $10,843,670 | 5,126 |
| Average total loans | $111,641,330 | 3,726 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2756% | 6,004 |
| Cost of funding earning assets | 1.8091% | 5,073 |
| Net interest margin | 3.4665% | 4,865 |
| Noninterest income to average assets | 0.6021% | 3,534 |
| Noninterest expense to average assets | 2.9242% | 4,075 |
| Loan and lease loss provision to assets | 0.3035% | 3,522 |
| Net operating income to assets | 0.5898% | 4,057 |
| Return on assets (ROA) | 0.5898% | 4,254 |
| Pretax return on assets | 0.5898% | 4,786 |
| Return on Equity (ROE) | 8.9614% | 2,739 |
| Retained earnings to average equity (ytd only) | -5.3618% | 6,604 |
| Net charge-offs to loans | 0.1041% | 4,136 |
| Credit loss provision to net charge-offs | 424.1379% | 1,248 |
| Earnings coverage of net charge-offs (x) | 12.4828% | 1,799 |
| Efficiency ratio | 76.5999% | 3,389 |
| Assets per employee ($millions) | 3.6031% | 4,561 |
| Cash dividends to net income (ytd only)* | 159.8326% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9479% | 6,508 |
| Loan loss allowance to noncurrent loans | 29.5958% | 6,576 |
| Noncurrent assets plus other real estate owned to assets | 2.8075% | 2,026 |
| Noncurrent loans to loans | 3.2027% | 2,020 |
| Net loans and leases to total assets | 68.8981% | 3,939 |
| Net loans and leases to deposits | 105.2468% | 922 |
| Net loans and leases to core deposits | 114.1727% | 2,993 |
| Total domestic deposits to total assets | 65.4634% | 7,765 |
| Equity capital to assets | 6.7190% | 7,798 |
| Core capital (leverage) ratio | 7.5293% | 7,124 |
| Tier 1 risk-based capital ratio | 12.2636% | 4,738 |
| Total risk-based capital ratio | 13.3243% | 4,791 |
| Memoranda: | ||
| Average total assets | $162,098,000 | 3,793 |
| Average earning assets | $150,353,000 | 3,746 |
| Average equity | $10,668,000 | 5,196 |
| Average total loans | $111,448,000 | 3,752 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1376% | 4,848 |
| Cost of funding earning assets | 2.4713% | 4,360 |
| Net interest margin | 3.6663% | 4,617 |
| Noninterest income to average assets | 0.6467% | 3,493 |
| Noninterest expense to average assets | 2.8170% | 4,751 |
| Loan and lease loss provision to assets | 0.1670% | 5,248 |
| Net operating income to assets | 0.9960% | 2,575 |
| Return on assets (ROA) | 1.0231% | 2,344 |
| Pretax return on assets | 1.0710% | 3,135 |
| Return on Equity (ROE) | 14.5046% | 1,009 |
| Retained earnings to average equity (ytd only) | 4.7971% | 2,151 |
| Net charge-offs to loans | 0.3465% | 3,101 |
| Credit loss provision to net charge-offs | 72.7273% | 6,036 |
| Earnings coverage of net charge-offs (x) | 5.2674% | 3,708 |
| Efficiency ratio | 69.9558% | 4,361 |
| Assets per employee ($millions) | 3.6013% | 4,409 |
| Cash dividends to net income (ytd only)* | 66.9268% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8863% | 6,751 |
| Loan loss allowance to noncurrent loans | 32.8067% | 6,537 |
| Noncurrent assets plus other real estate owned to assets | 2.2541% | 2,160 |
| Noncurrent loans to loans | 2.7017% | 2,005 |
| Net loans and leases to total assets | 67.3469% | 4,577 |
| Net loans and leases to deposits | 100.0513% | 1,831 |
| Net loans and leases to core deposits | 109.8860% | 3,790 |
| Total domestic deposits to total assets | 67.3123% | 7,538 |
| Equity capital to assets | 6.4434% | 7,952 |
| Core capital (leverage) ratio | 7.7082% | 6,914 |
| Tier 1 risk-based capital ratio | 12.3608% | 4,542 |
| Total risk-based capital ratio | 13.3259% | 4,642 |
| Memoranda: | ||
| Average total assets | $162,831,400 | 3,670 |
| Average earning assets | $150,122,800 | 3,656 |
| Average equity | $11,486,000 | 4,974 |
| Average total loans | $107,922,800 | 3,738 |