Home > The First National Bank of Paducah > Performance and Condition Ratios
The First National Bank of Paducah, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8310% | 2,027 |
| Cost of funding earning assets | 0.6165% | 3,606 |
| Net interest margin | 4.2145% | 1,345 |
| Noninterest income to average assets | 0.8431% | 1,299 |
| Noninterest expense to average assets | 4.5129% | 295 |
| Loan and lease loss provision to assets | 0.2480% | 664 |
| Net operating income to assets | -0.0584% | 5,079 |
| Return on assets (ROA) | -0.1867% | 5,108 |
| Pretax return on assets | -0.1371% | 5,095 |
| Return on Equity (ROE) | -1.9763% | 5,117 |
| Retained earnings to average equity (ytd only) | -1.9763% | 4,922 |
| Net charge-offs to loans | 0.4291% | 390 |
| Credit loss provision to net charge-offs | 89.4737% | 2,398 |
| Earnings coverage of net charge-offs (x) | 0.8632% | 3,338 |
| Efficiency ratio | 94.9662% | 219 |
| Assets per employee ($millions) | 2.4368% | 5,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2613% | 2,165 |
| Loan loss allowance to noncurrent loans | 199.4652% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.4263% | 2,801 |
| Noncurrent loans to loans | 0.6324% | 2,389 |
| Net loans and leases to total assets | 66.5686% | 2,980 |
| Net loans and leases to deposits | 74.1939% | 3,459 |
| Net loans and leases to core deposits | 93.9660% | 2,182 |
| Total domestic deposits to total assets | 89.7225% | 366 |
| Equity capital to assets | 10.1293% | 3,884 |
| Core capital (leverage) ratio | 10.0846% | 3,549 |
| Tier 1 risk-based capital ratio | 14.3693% | 3,147 |
| Total risk-based capital ratio | 15.5748% | 3,074 |
| Memoranda: | ||
| Average total assets | $45,705,250 | 4,890 |
| Average earning assets | $42,391,750 | 4,876 |
| Average equity | $4,317,750 | 5,031 |
| Average total loans | $29,515,250 | 4,717 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7057% | 2,342 |
| Cost of funding earning assets | 0.6033% | 3,634 |
| Net interest margin | 4.1024% | 1,605 |
| Noninterest income to average assets | 0.8463% | 1,217 |
| Noninterest expense to average assets | 4.5035% | 306 |
| Loan and lease loss provision to assets | 0.1943% | 901 |
| Net operating income to assets | -0.0734% | 5,123 |
| Return on assets (ROA) | -0.2634% | 5,165 |
| Pretax return on assets | -0.2245% | 5,150 |
| Return on Equity (ROE) | -2.8531% | 5,184 |
| Retained earnings to average equity (ytd only) | -2.8531% | 4,965 |
| Net charge-offs to loans | 0.3119% | 550 |
| Credit loss provision to net charge-offs | 97.8261% | 2,033 |
| Earnings coverage of net charge-offs (x) | 0.8043% | 3,073 |
| Efficiency ratio | 96.5741% | 196 |
| Assets per employee ($millions) | 2.4379% | 5,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 2,192 |
| Loan loss allowance to noncurrent loans | 95.5000% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.9115% | 1,529 |
| Noncurrent loans to loans | 1.3198% | 1,188 |
| Net loans and leases to total assets | 68.1950% | 2,785 |
| Net loans and leases to deposits | 75.9620% | 3,338 |
| Net loans and leases to core deposits | 96.8542% | 1,995 |
| Total domestic deposits to total assets | 89.7751% | 395 |
| Equity capital to assets | 10.0289% | 3,954 |
| Core capital (leverage) ratio | 9.8379% | 3,778 |
| Tier 1 risk-based capital ratio | 15.0854% | 2,797 |
| Total risk-based capital ratio | 16.3332% | 2,721 |
| Memoranda: | ||
| Average total assets | $46,319,330 | 4,923 |
| Average earning assets | $43,096,670 | 4,909 |
| Average equity | $4,276,000 | 5,073 |
| Average total loans | $29,496,330 | 4,752 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5463% | 2,707 |
| Cost of funding earning assets | 0.5965% | 3,596 |
| Net interest margin | 3.9498% | 2,021 |
| Noninterest income to average assets | 0.7741% | 1,355 |
| Noninterest expense to average assets | 4.7289% | 252 |
| Loan and lease loss provision to assets | 0.0841% | 2,016 |
| Net operating income to assets | -0.4039% | 5,242 |
| Return on assets (ROA) | -0.7321% | 5,267 |
| Pretax return on assets | -0.6900% | 5,259 |
| Return on Equity (ROE) | -8.2592% | 5,284 |
| Retained earnings to average equity (ytd only) | -8.2592% | 5,041 |
| Net charge-offs to loans | 0.3713% | 418 |
| Credit loss provision to net charge-offs | 37.0370% | 2,050 |
| Earnings coverage of net charge-offs (x) | -1.2222% | 2,695 |
| Efficiency ratio | 106.2382% | 125 |
| Assets per employee ($millions) | 2.5355% | 5,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 2,306 |
| Loan loss allowance to noncurrent loans | 42.0690% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 1.9063% | 537 |
| Noncurrent loans to loans | 2.9779% | 371 |
| Net loans and leases to total assets | 63.2113% | 3,381 |
| Net loans and leases to deposits | 69.7881% | 3,777 |
| Net loans and leases to core deposits | 88.5237% | 2,639 |
| Total domestic deposits to total assets | 90.5760% | 261 |
| Equity capital to assets | 9.2815% | 4,449 |
| Core capital (leverage) ratio | 9.5456% | 4,078 |
| Tier 1 risk-based capital ratio | 13.8547% | 3,421 |
| Total risk-based capital ratio | 15.0014% | 3,377 |
| Memoranda: | ||
| Average total assets | $47,537,500 | 4,945 |
| Average earning assets | $44,255,500 | 4,939 |
| Average equity | $4,213,500 | 5,122 |
| Average total loans | $29,090,500 | 4,810 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2938% | 3,136 |
| Cost of funding earning assets | 0.5705% | 2,919 |
| Net interest margin | 3.7233% | 2,951 |
| Noninterest income to average assets | 0.7622% | 1,596 |
| Noninterest expense to average assets | 3.8912% | 607 |
| Loan and lease loss provision to assets | 0.1541% | 1,372 |
| Net operating income to assets | 0.2850% | 5,029 |
| Return on assets (ROA) | 0.2850% | 5,024 |
| Pretax return on assets | 0.1752% | 5,132 |
| Return on Equity (ROE) | 3.4132% | 4,839 |
| Retained earnings to average equity (ytd only) | 3.4132% | 3,715 |
| Net charge-offs to loans | 0.0647% | 2,197 |
| Credit loss provision to net charge-offs | 405.5556% | 818 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,880 |
| Efficiency ratio | 92.1961% | 275 |
| Assets per employee ($millions) | 2.5965% | 5,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3222% | 1,939 |
| Loan loss allowance to noncurrent loans | 150.7874% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.5149% | 2,531 |
| Noncurrent loans to loans | 0.8769% | 1,836 |
| Net loans and leases to total assets | 57.9377% | 3,971 |
| Net loans and leases to deposits | 63.2731% | 4,296 |
| Net loans and leases to core deposits | 78.5355% | 3,534 |
| Total domestic deposits to total assets | 91.5677% | 109 |
| Equity capital to assets | 8.3107% | 5,043 |
| Core capital (leverage) ratio | 9.6638% | 3,934 |
| Tier 1 risk-based capital ratio | 14.0499% | 3,269 |
| Total risk-based capital ratio | 15.2451% | 3,220 |
| Memoranda: | ||
| Average total assets | $47,363,600 | 4,988 |
| Average earning assets | $43,993,800 | 4,977 |
| Average equity | $3,955,200 | 5,188 |
| Average total loans | $27,833,600 | 4,867 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2798% | 3,037 |
| Cost of funding earning assets | 0.5557% | 2,829 |
| Net interest margin | 3.7241% | 2,919 |
| Noninterest income to average assets | 0.7766% | 1,550 |
| Noninterest expense to average assets | 4.0166% | 519 |
| Loan and lease loss provision to assets | 0.1508% | 1,306 |
| Net operating income to assets | 0.2077% | 5,190 |
| Return on assets (ROA) | 0.2077% | 5,186 |
| Pretax return on assets | 0.0597% | 5,271 |
| Return on Equity (ROE) | 2.4835% | 5,071 |
| Retained earnings to average equity (ytd only) | 2.4835% | 4,405 |
| Net charge-offs to loans | 0.0823% | 1,701 |
| Credit loss provision to net charge-offs | 311.7647% | 993 |
| Earnings coverage of net charge-offs (x) | 4.3520% | 3,072 |
| Efficiency ratio | 95.0202% | 221 |
| Assets per employee ($millions) | 2.4917% | 5,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 2,069 |
| Loan loss allowance to noncurrent loans | 132.8467% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.5788% | 2,441 |
| Noncurrent loans to loans | 0.9837% | 1,728 |
| Net loans and leases to total assets | 58.0635% | 4,033 |
| Net loans and leases to deposits | 63.3767% | 4,365 |
| Net loans and leases to core deposits | 82.1941% | 3,314 |
| Total domestic deposits to total assets | 91.6165% | 117 |
| Equity capital to assets | 8.2166% | 5,076 |
| Core capital (leverage) ratio | 9.9074% | 3,733 |
| Tier 1 risk-based capital ratio | 14.2504% | 3,245 |
| Total risk-based capital ratio | 15.4184% | 3,200 |
| Memoranda: | ||
| Average total assets | $46,871,000 | 5,051 |
| Average earning assets | $43,428,000 | 5,040 |
| Average equity | $3,919,000 | 5,255 |
| Average total loans | $27,550,500 | 4,930 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2473% | 2,956 |
| Cost of funding earning assets | 0.5737% | 2,408 |
| Net interest margin | 3.6736% | 3,028 |
| Noninterest income to average assets | 0.7833% | 1,525 |
| Noninterest expense to average assets | 4.0195% | 514 |
| Loan and lease loss provision to assets | 0.0856% | 2,201 |
| Net operating income to assets | 0.2697% | 5,161 |
| Return on assets (ROA) | 0.2697% | 5,154 |
| Pretax return on assets | 0.0771% | 5,301 |
| Return on Equity (ROE) | 3.1999% | 4,984 |
| Retained earnings to average equity (ytd only) | 3.1999% | 3,967 |
| Net charge-offs to loans | 0.1093% | 1,280 |
| Credit loss provision to net charge-offs | 133.3333% | 1,692 |
| Earnings coverage of net charge-offs (x) | 2.5333% | 2,964 |
| Efficiency ratio | 96.1105% | 221 |
| Assets per employee ($millions) | 2.5344% | 5,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1358% | 3,063 |
| Loan loss allowance to noncurrent loans | 121.5328% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.6006% | 2,419 |
| Noncurrent loans to loans | 0.9345% | 1,857 |
| Net loans and leases to total assets | 63.5393% | 3,448 |
| Net loans and leases to deposits | 69.6729% | 3,888 |
| Net loans and leases to core deposits | 87.3493% | 2,785 |
| Total domestic deposits to total assets | 91.1967% | 204 |
| Equity capital to assets | 8.6126% | 4,864 |
| Core capital (leverage) ratio | 9.5629% | 4,039 |
| Tier 1 risk-based capital ratio | 13.7215% | 3,498 |
| Total risk-based capital ratio | 14.7530% | 3,527 |
| Memoranda: | ||
| Average total assets | $46,722,670 | 5,114 |
| Average earning assets | $43,227,670 | 5,103 |
| Average equity | $3,937,670 | 5,311 |
| Average total loans | $27,449,670 | 4,982 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0982% | 3,242 |
| Cost of funding earning assets | 0.5776% | 2,188 |
| Net interest margin | 3.5206% | 3,456 |
| Noninterest income to average assets | 0.7700% | 1,545 |
| Noninterest expense to average assets | 4.1291% | 447 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.1100% | 5,424 |
| Return on assets (ROA) | -0.1100% | 5,416 |
| Pretax return on assets | -0.1100% | 5,417 |
| Return on Equity (ROE) | -1.3191% | 5,430 |
| Retained earnings to average equity (ytd only) | -1.3191% | 4,942 |
| Net charge-offs to loans | 0.2715% | 573 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | -0.7222% | 2,667 |
| Efficiency ratio | 102.7368% | 149 |
| Assets per employee ($millions) | 2.3509% | 5,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 3,017 |
| Loan loss allowance to noncurrent loans | 113.1387% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.5828% | 2,579 |
| Noncurrent loans to loans | 1.0282% | 1,779 |
| Net loans and leases to total assets | 56.0180% | 4,121 |
| Net loans and leases to deposits | 61.0906% | 4,390 |
| Net loans and leases to core deposits | 85.8923% | 2,813 |
| Total domestic deposits to total assets | 91.6966% | 150 |
| Equity capital to assets | 8.1588% | 5,200 |
| Core capital (leverage) ratio | 9.1737% | 4,471 |
| Tier 1 risk-based capital ratio | 14.3573% | 3,193 |
| Total risk-based capital ratio | 15.3795% | 3,238 |
| Memoranda: | ||
| Average total assets | $47,274,500 | 5,162 |
| Average earning assets | $43,628,500 | 5,150 |
| Average equity | $3,942,000 | 5,362 |
| Average total loans | $26,515,000 | 5,064 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9343% | 3,624 |
| Cost of funding earning assets | 0.5386% | 2,047 |
| Net interest margin | 3.3958% | 3,864 |
| Noninterest income to average assets | 0.6621% | 2,128 |
| Noninterest expense to average assets | 3.8792% | 629 |
| Loan and lease loss provision to assets | 0.0868% | 2,455 |
| Net operating income to assets | -0.2106% | 5,454 |
| Return on assets (ROA) | -0.2106% | 5,451 |
| Pretax return on assets | -0.2106% | 5,501 |
| Return on Equity (ROE) | -2.4676% | 5,471 |
| Retained earnings to average equity (ytd only) | -2.4676% | 5,314 |
| Net charge-offs to loans | -0.0042% | 4,610 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.2948% | 140 |
| Assets per employee ($millions) | 2.6407% | 5,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2433% | 2,511 |
| Loan loss allowance to noncurrent loans | 114.6853% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.6017% | 2,541 |
| Noncurrent loans to loans | 1.0841% | 1,638 |
| Net loans and leases to total assets | 54.8136% | 4,283 |
| Net loans and leases to deposits | 60.0101% | 4,566 |
| Net loans and leases to core deposits | 85.2915% | 2,960 |
| Total domestic deposits to total assets | 91.3406% | 170 |
| Equity capital to assets | 8.5164% | 5,111 |
| Core capital (leverage) ratio | 8.8981% | 4,755 |
| Tier 1 risk-based capital ratio | 13.3863% | 3,697 |
| Total risk-based capital ratio | 14.3917% | 3,742 |
| Memoranda: | ||
| Average total assets | $46,066,600 | 5,228 |
| Average earning assets | $41,964,200 | 5,233 |
| Average equity | $3,931,000 | 5,432 |
| Average total loans | $24,093,200 | 5,188 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8896% | 3,712 |
| Cost of funding earning assets | 0.5051% | 2,228 |
| Net interest margin | 3.3845% | 3,906 |
| Noninterest income to average assets | 0.6623% | 2,156 |
| Noninterest expense to average assets | 3.7869% | 685 |
| Loan and lease loss provision to assets | 0.0292% | 3,542 |
| Net operating income to assets | -0.0846% | 5,544 |
| Return on assets (ROA) | -0.0846% | 5,548 |
| Pretax return on assets | -0.0846% | 5,537 |
| Return on Equity (ROE) | -0.9911% | 5,560 |
| Retained earnings to average equity (ytd only) | -0.9911% | 5,351 |
| Net charge-offs to loans | -0.0397% | 5,091 |
| Credit loss provision to net charge-offs | -142.8571% | 4,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.4855% | 158 |
| Assets per employee ($millions) | 3.2576% | 5,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 2,986 |
| Loan loss allowance to noncurrent loans | 112.1771% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.5546% | 2,862 |
| Noncurrent loans to loans | 1.0610% | 1,821 |
| Net loans and leases to total assets | 51.6515% | 4,600 |
| Net loans and leases to deposits | 56.4050% | 4,856 |
| Net loans and leases to core deposits | 72.9324% | 4,070 |
| Total domestic deposits to total assets | 91.5725% | 95 |
| Equity capital to assets | 8.2801% | 5,408 |
| Core capital (leverage) ratio | 9.1232% | 4,612 |
| Tier 1 risk-based capital ratio | 14.6295% | 3,116 |
| Total risk-based capital ratio | 15.6671% | 3,149 |
| Memoranda: | ||
| Average total assets | $45,700,250 | 5,291 |
| Average earning assets | $41,443,250 | 5,299 |
| Average equity | $3,901,750 | 5,496 |
| Average total loans | $23,521,000 | 5,260 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8067% | 3,865 |
| Cost of funding earning assets | 0.4696% | 2,413 |
| Net interest margin | 3.3371% | 3,991 |
| Noninterest income to average assets | 0.6854% | 2,058 |
| Noninterest expense to average assets | 3.7809% | 684 |
| Loan and lease loss provision to assets | 0.0448% | 3,095 |
| Net operating income to assets | -0.1478% | 5,598 |
| Return on assets (ROA) | -0.1478% | 5,601 |
| Pretax return on assets | -0.1478% | 5,595 |
| Return on Equity (ROE) | -1.7127% | 5,618 |
| Retained earnings to average equity (ytd only) | -1.7127% | 5,323 |
| Net charge-offs to loans | -0.0438% | 5,116 |
| Credit loss provision to net charge-offs | -200.0000% | 4,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.8015% | 159 |
| Assets per employee ($millions) | 3.1281% | 5,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2590% | 2,632 |
| Loan loss allowance to noncurrent loans | 109.0253% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.6756% | 2,524 |
| Noncurrent loans to loans | 1.1548% | 1,693 |
| Net loans and leases to total assets | 50.4774% | 4,673 |
| Net loans and leases to deposits | 55.2755% | 4,892 |
| Net loans and leases to core deposits | 71.7901% | 4,106 |
| Total domestic deposits to total assets | 91.3196% | 153 |
| Equity capital to assets | 8.5909% | 5,237 |
| Core capital (leverage) ratio | 9.4808% | 4,146 |
| Tier 1 risk-based capital ratio | 15.4056% | 2,740 |
| Total risk-based capital ratio | 16.4922% | 2,759 |
| Memoranda: | ||
| Average total assets | $44,645,670 | 5,352 |
| Average earning assets | $40,034,670 | 5,369 |
| Average equity | $3,853,670 | 5,544 |
| Average total loans | $22,847,000 | 5,323 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9050% | 3,382 |
| Cost of funding earning assets | 0.4740% | 2,319 |
| Net interest margin | 3.4310% | 3,520 |
| Noninterest income to average assets | 0.6987% | 1,978 |
| Noninterest expense to average assets | 3.7787% | 698 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.0184% | 5,615 |
| Return on assets (ROA) | -0.0184% | 5,620 |
| Pretax return on assets | -0.0184% | 5,608 |
| Return on Equity (ROE) | -0.2125% | 5,626 |
| Retained earnings to average equity (ytd only) | -0.2125% | 4,955 |
| Net charge-offs to loans | -0.0359% | 5,021 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4890% | 216 |
| Assets per employee ($millions) | 2.9652% | 5,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 2,348 |
| Loan loss allowance to noncurrent loans | 100.6969% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 0.7757% | 2,361 |
| Noncurrent loans to loans | 1.3275% | 1,527 |
| Net loans and leases to total assets | 47.9563% | 4,827 |
| Net loans and leases to deposits | 52.5266% | 5,012 |
| Net loans and leases to core deposits | 60.3463% | 4,755 |
| Total domestic deposits to total assets | 91.2991% | 209 |
| Equity capital to assets | 8.5930% | 5,165 |
| Core capital (leverage) ratio | 9.8172% | 3,736 |
| Tier 1 risk-based capital ratio | 16.4555% | 2,375 |
| Total risk-based capital ratio | 17.5584% | 2,374 |
| Memoranda: | ||
| Average total assets | $43,507,500 | 5,434 |
| Average earning assets | $38,822,000 | 5,454 |
| Average equity | $3,765,000 | 5,612 |
| Average total loans | $22,277,000 | 5,399 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7879% | 3,949 |
| Cost of funding earning assets | 0.4675% | 2,379 |
| Net interest margin | 3.3205% | 4,083 |
| Noninterest income to average assets | 0.5949% | 2,692 |
| Noninterest expense to average assets | 3.3510% | 1,464 |
| Loan and lease loss provision to assets | 0.1631% | 1,515 |
| Net operating income to assets | 0.0827% | 5,582 |
| Return on assets (ROA) | 0.2343% | 5,415 |
| Pretax return on assets | 0.2343% | 5,449 |
| Return on Equity (ROE) | 2.4925% | 5,290 |
| Retained earnings to average equity (ytd only) | 1.2707% | 4,777 |
| Net charge-offs to loans | -0.0772% | 5,512 |
| Credit loss provision to net charge-offs | -443.7500% | 5,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1673% | 416 |
| Assets per employee ($millions) | 2.6586% | 5,581 |
| Cash dividends to net income (ytd only)* | 49.0196% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 2,810 |
| Loan loss allowance to noncurrent loans | 99.3080% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 0.8134% | 2,316 |
| Noncurrent loans to loans | 1.2601% | 1,629 |
| Net loans and leases to total assets | 53.2431% | 4,506 |
| Net loans and leases to deposits | 58.3907% | 4,766 |
| Net loans and leases to core deposits | 67.1490% | 4,456 |
| Total domestic deposits to total assets | 91.1841% | 227 |
| Equity capital to assets | 8.7171% | 5,090 |
| Core capital (leverage) ratio | 10.1695% | 3,270 |
| Tier 1 risk-based capital ratio | 15.9036% | 2,589 |
| Total risk-based capital ratio | 16.9616% | 2,592 |
| Memoranda: | ||
| Average total assets | $43,538,600 | 5,476 |
| Average earning assets | $39,361,800 | 5,480 |
| Average equity | $4,092,200 | 5,627 |
| Average total loans | $20,713,000 | 5,498 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6838% | 4,304 |
| Cost of funding earning assets | 0.4836% | 2,225 |
| Net interest margin | 3.2002% | 4,489 |
| Noninterest income to average assets | 0.6059% | 2,633 |
| Noninterest expense to average assets | 3.2732% | 1,626 |
| Loan and lease loss provision to assets | 0.1979% | 1,074 |
| Net operating income to assets | 0.0365% | 5,690 |
| Return on assets (ROA) | 0.2375% | 5,477 |
| Pretax return on assets | 0.2375% | 5,531 |
| Return on Equity (ROE) | 2.4831% | 5,356 |
| Retained earnings to average equity (ytd only) | 2.4831% | 4,433 |
| Net charge-offs to loans | -0.0926% | 5,546 |
| Credit loss provision to net charge-offs | -464.2857% | 5,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3160% | 412 |
| Assets per employee ($millions) | 2.6451% | 5,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 2,983 |
| Loan loss allowance to noncurrent loans | 92.0792% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 0.9376% | 2,218 |
| Noncurrent loans to loans | 1.3531% | 1,628 |
| Net loans and leases to total assets | 55.7365% | 4,334 |
| Net loans and leases to deposits | 62.4972% | 4,595 |
| Net loans and leases to core deposits | 68.9146% | 4,403 |
| Total domestic deposits to total assets | 89.1824% | 809 |
| Equity capital to assets | 10.7092% | 3,345 |
| Core capital (leverage) ratio | 10.3351% | 3,180 |
| Tier 1 risk-based capital ratio | 16.4606% | 2,430 |
| Total risk-based capital ratio | 17.5188% | 2,466 |
| Memoranda: | ||
| Average total assets | $43,789,000 | 5,525 |
| Average earning assets | $39,704,250 | 5,530 |
| Average equity | $4,188,250 | 5,678 |
| Average total loans | $20,157,500 | 5,571 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8740% | 3,681 |
| Cost of funding earning assets | 0.4738% | 2,327 |
| Net interest margin | 3.4003% | 3,889 |
| Noninterest income to average assets | 0.5270% | 3,026 |
| Noninterest expense to average assets | 3.1754% | 1,871 |
| Loan and lease loss provision to assets | 0.1550% | 1,472 |
| Net operating income to assets | 0.2480% | 5,430 |
| Return on assets (ROA) | 0.2480% | 5,499 |
| Pretax return on assets | 0.2480% | 5,560 |
| Return on Equity (ROE) | 2.6871% | 5,333 |
| Retained earnings to average equity (ytd only) | 2.6871% | 4,189 |
| Net charge-offs to loans | -0.1339% | 5,713 |
| Credit loss provision to net charge-offs | -269.2308% | 4,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7376% | 673 |
| Assets per employee ($millions) | 2.9291% | 5,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 3,063 |
| Loan loss allowance to noncurrent loans | 77.9874% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 0.8808% | 2,391 |
| Noncurrent loans to loans | 1.6043% | 1,334 |
| Net loans and leases to total assets | 44.5512% | 5,199 |
| Net loans and leases to deposits | 49.4593% | 5,362 |
| Net loans and leases to core deposits | 57.4759% | 5,098 |
| Total domestic deposits to total assets | 90.0765% | 461 |
| Equity capital to assets | 9.8211% | 4,420 |
| Core capital (leverage) ratio | 9.7441% | 3,877 |
| Tier 1 risk-based capital ratio | 15.6127% | 2,819 |
| Total risk-based capital ratio | 16.5094% | 2,891 |
| Memoranda: | ||
| Average total assets | $45,160,000 | 5,559 |
| Average earning assets | $40,526,330 | 5,575 |
| Average equity | $4,168,000 | 5,740 |
| Average total loans | $19,412,330 | 5,654 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6268% | 4,548 |
| Cost of funding earning assets | 0.4932% | 2,158 |
| Net interest margin | 3.1335% | 4,770 |
| Noninterest income to average assets | 0.5069% | 3,069 |
| Noninterest expense to average assets | 3.1373% | 1,997 |
| Loan and lease loss provision to assets | 0.2534% | 689 |
| Net operating income to assets | -0.0524% | 5,816 |
| Return on assets (ROA) | -0.0524% | 5,838 |
| Pretax return on assets | -0.0524% | 5,841 |
| Return on Equity (ROE) | -0.5862% | 5,847 |
| Retained earnings to average equity (ytd only) | -0.5862% | 5,217 |
| Net charge-offs to loans | -0.0625% | 5,440 |
| Credit loss provision to net charge-offs | -966.6667% | 4,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9791% | 454 |
| Assets per employee ($millions) | 3.0376% | 5,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 3,184 |
| Loan loss allowance to noncurrent loans | 58.1047% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 1.0315% | 2,149 |
| Noncurrent loans to loans | 2.1514% | 966 |
| Net loans and leases to total assets | 40.3959% | 5,435 |
| Net loans and leases to deposits | 44.5439% | 5,569 |
| Net loans and leases to core deposits | 51.4091% | 5,389 |
| Total domestic deposits to total assets | 90.6878% | 367 |
| Equity capital to assets | 9.2288% | 4,959 |
| Core capital (leverage) ratio | 9.3804% | 4,380 |
| Tier 1 risk-based capital ratio | 16.2965% | 2,559 |
| Total risk-based capital ratio | 17.1887% | 2,653 |
| Memoranda: | ||
| Average total assets | $45,772,000 | 5,598 |
| Average earning assets | $41,359,000 | 5,605 |
| Average equity | $4,094,500 | 5,796 |
| Average total loans | $19,207,500 | 5,710 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1629% | 5,556 |
| Cost of funding earning assets | 0.4791% | 2,360 |
| Net interest margin | 2.6838% | 5,667 |
| Noninterest income to average assets | 0.4150% | 3,926 |
| Noninterest expense to average assets | 2.8151% | 3,171 |
| Loan and lease loss provision to assets | 0.0516% | 3,288 |
| Net operating income to assets | -0.0516% | 5,900 |
| Return on assets (ROA) | -0.0493% | 5,921 |
| Pretax return on assets | -0.0493% | 5,909 |
| Return on Equity (ROE) | -0.5488% | 5,925 |
| Retained earnings to average equity (ytd only) | -0.5488% | 5,603 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 281 |
| Assets per employee ($millions) | 3.0653% | 5,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 4,537 |
| Loan loss allowance to noncurrent loans | 48.4262% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 1.0483% | 2,090 |
| Noncurrent loans to loans | 2.0884% | 981 |
| Net loans and leases to total assets | 42.5750% | 5,371 |
| Net loans and leases to deposits | 48.9963% | 5,442 |
| Net loans and leases to core deposits | 56.8491% | 5,161 |
| Total domestic deposits to total assets | 86.8943% | 2,195 |
| Equity capital to assets | 8.6646% | 5,414 |
| Core capital (leverage) ratio | 9.1158% | 4,731 |
| Tier 1 risk-based capital ratio | 14.9751% | 3,191 |
| Total risk-based capital ratio | 15.7124% | 3,373 |
| Memoranda: | ||
| Average total assets | $44,581,400 | 5,669 |
| Average earning assets | $39,869,000 | 5,682 |
| Average equity | $4,008,400 | 5,850 |
| Average total loans | $16,232,400 | 5,858 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0525% | 5,765 |
| Cost of funding earning assets | 0.4838% | 2,373 |
| Net interest margin | 2.5688% | 5,866 |
| Noninterest income to average assets | 0.4069% | 4,041 |
| Noninterest expense to average assets | 2.6044% | 3,864 |
| Loan and lease loss provision to assets | 0.0573% | 3,041 |
| Net operating income to assets | 0.0181% | 5,924 |
| Return on assets (ROA) | 0.0211% | 5,957 |
| Pretax return on assets | 0.0211% | 5,952 |
| Return on Equity (ROE) | 0.2324% | 5,951 |
| Retained earnings to average equity (ytd only) | 0.2324% | 5,541 |
| Net charge-offs to loans | 0.0347% | 3,218 |
| Credit loss provision to net charge-offs | 475.0000% | 676 |
| Earnings coverage of net charge-offs (x) | 6.2533% | 3,076 |
| Efficiency ratio | 97.1879% | 384 |
| Assets per employee ($millions) | 3.1593% | 5,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 4,353 |
| Loan loss allowance to noncurrent loans | 45.0704% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 1.2797% | 1,829 |
| Noncurrent loans to loans | 2.3879% | 867 |
| Net loans and leases to total assets | 39.9005% | 5,595 |
| Net loans and leases to deposits | 43.9574% | 5,725 |
| Net loans and leases to core deposits | 51.3262% | 5,531 |
| Total domestic deposits to total assets | 90.7710% | 317 |
| Equity capital to assets | 9.1296% | 5,185 |
| Core capital (leverage) ratio | 9.5595% | 4,222 |
| Tier 1 risk-based capital ratio | 16.7048% | 2,474 |
| Total risk-based capital ratio | 17.4888% | 2,650 |
| Memoranda: | ||
| Average total assets | $44,231,750 | 5,750 |
| Average earning assets | $39,136,000 | 5,776 |
| Average equity | $4,014,500 | 5,929 |
| Average total loans | $15,346,500 | 5,962 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9031% | 5,941 |
| Cost of funding earning assets | 0.6463% | 1,128 |
| Net interest margin | 2.2568% | 6,122 |
| Noninterest income to average assets | 0.3753% | 4,262 |
| Noninterest expense to average assets | 2.4190% | 4,489 |
| Loan and lease loss provision to assets | 0.0407% | 3,301 |
| Net operating income to assets | -0.1266% | 6,064 |
| Return on assets (ROA) | -0.1266% | 6,093 |
| Pretax return on assets | -0.1266% | 6,081 |
| Return on Equity (ROE) | -1.3977% | 6,101 |
| Retained earnings to average equity (ytd only) | -1.3977% | 5,756 |
| Net charge-offs to loans | 0.1791% | 1,384 |
| Credit loss provision to net charge-offs | 69.2308% | 2,469 |
| Earnings coverage of net charge-offs (x) | -1.4615% | 3,780 |
| Efficiency ratio | 103.6822% | 256 |
| Assets per employee ($millions) | 3.5772% | 4,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 4,140 |
| Loan loss allowance to noncurrent loans | 36.6525% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 1.4257% | 1,753 |
| Noncurrent loans to loans | 3.1073% | 621 |
| Net loans and leases to total assets | 34.9835% | 5,864 |
| Net loans and leases to deposits | 38.5476% | 5,956 |
| Net loans and leases to core deposits | 40.0421% | 5,953 |
| Total domestic deposits to total assets | 90.7539% | 373 |
| Equity capital to assets | 9.1203% | 5,122 |
| Core capital (leverage) ratio | 9.2830% | 4,576 |
| Tier 1 risk-based capital ratio | 18.3099% | 1,983 |
| Total risk-based capital ratio | 19.0908% | 2,073 |
| Memoranda: | ||
| Average total assets | $44,232,330 | 5,813 |
| Average earning assets | $38,372,330 | 5,854 |
| Average equity | $4,006,670 | 5,993 |
| Average total loans | $14,515,330 | 6,043 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8640% | 6,019 |
| Cost of funding earning assets | 0.6609% | 1,040 |
| Net interest margin | 2.2030% | 6,208 |
| Noninterest income to average assets | 0.2941% | 4,821 |
| Noninterest expense to average assets | 2.2992% | 4,885 |
| Loan and lease loss provision to assets | 0.0446% | 3,032 |
| Net operating income to assets | -0.1782% | 6,136 |
| Return on assets (ROA) | -0.1782% | 6,158 |
| Pretax return on assets | -0.1782% | 6,147 |
| Return on Equity (ROE) | -1.9741% | 6,171 |
| Retained earnings to average equity (ytd only) | -1.9741% | 5,685 |
| Net charge-offs to loans | 0.1693% | 1,261 |
| Credit loss provision to net charge-offs | 83.3333% | 1,796 |
| Earnings coverage of net charge-offs (x) | -2.5000% | 3,213 |
| Efficiency ratio | 106.1728% | 238 |
| Assets per employee ($millions) | 3.5049% | 4,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 3,304 |
| Loan loss allowance to noncurrent loans | 32.5323% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 1.4946% | 1,757 |
| Noncurrent loans to loans | 4.0585% | 427 |
| Net loans and leases to total assets | 28.8693% | 6,111 |
| Net loans and leases to deposits | 31.7071% | 6,166 |
| Net loans and leases to core deposits | 32.8554% | 6,167 |
| Total domestic deposits to total assets | 91.0500% | 348 |
| Equity capital to assets | 8.8798% | 5,412 |
| Core capital (leverage) ratio | 8.9705% | 4,985 |
| Tier 1 risk-based capital ratio | 20.5792% | 1,516 |
| Total risk-based capital ratio | 21.4702% | 1,540 |
| Memoranda: | ||
| Average total assets | $44,885,500 | 5,844 |
| Average earning assets | $38,129,000 | 5,918 |
| Average equity | $4,052,500 | 6,043 |
| Average total loans | $14,178,000 | 6,107 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9671% | 6,080 |
| Cost of funding earning assets | 0.5839% | 1,912 |
| Net interest margin | 2.3831% | 6,237 |
| Noninterest income to average assets | 0.2123% | 5,586 |
| Noninterest expense to average assets | 2.4424% | 4,721 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.1621% | 6,192 |
| Return on assets (ROA) | -0.1621% | 6,189 |
| Pretax return on assets | -0.1621% | 6,173 |
| Return on Equity (ROE) | -1.7290% | 6,198 |
| Retained earnings to average equity (ytd only) | -1.7290% | 5,986 |
| Net charge-offs to loans | 0.1378% | 2,642 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -3.7368% | 4,872 |
| Efficiency ratio | 106.8068% | 255 |
| Assets per employee ($millions) | 3.4005% | 5,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 4,131 |
| Loan loss allowance to noncurrent loans | 33.9080% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 1.4975% | 1,826 |
| Noncurrent loans to loans | 3.4740% | 594 |
| Net loans and leases to total assets | 33.5897% | 6,057 |
| Net loans and leases to deposits | 37.0207% | 6,136 |
| Net loans and leases to core deposits | 38.5819% | 6,135 |
| Total domestic deposits to total assets | 90.7322% | 452 |
| Equity capital to assets | 9.1818% | 5,093 |
| Core capital (leverage) ratio | 9.1901% | 4,692 |
| Tier 1 risk-based capital ratio | 19.4153% | 1,744 |
| Total risk-based capital ratio | 20.2567% | 1,808 |
| Memoranda: | ||
| Average total assets | $43,809,600 | 5,934 |
| Average earning assets | $38,017,200 | 5,987 |
| Average equity | $4,106,400 | 6,071 |
| Average total loans | $13,785,600 | 6,202 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9305% | 6,179 |
| Cost of funding earning assets | 0.5471% | 2,315 |
| Net interest margin | 2.3834% | 6,306 |
| Noninterest income to average assets | 0.2074% | 5,691 |
| Noninterest expense to average assets | 2.3487% | 4,968 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.0549% | 6,187 |
| Return on assets (ROA) | -0.0549% | 6,194 |
| Pretax return on assets | -0.0549% | 6,178 |
| Return on Equity (ROE) | -0.5828% | 6,199 |
| Retained earnings to average equity (ytd only) | -0.5828% | 5,888 |
| Net charge-offs to loans | -0.0692% | 6,030 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9947% | 326 |
| Assets per employee ($millions) | 3.3043% | 5,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3991% | 3,182 |
| Loan loss allowance to noncurrent loans | 34.8199% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 1.5597% | 1,962 |
| Noncurrent loans to loans | 4.0182% | 525 |
| Net loans and leases to total assets | 33.3038% | 6,141 |
| Net loans and leases to deposits | 36.8873% | 6,217 |
| Net loans and leases to core deposits | 38.4911% | 6,222 |
| Total domestic deposits to total assets | 90.2854% | 617 |
| Equity capital to assets | 9.5772% | 4,699 |
| Core capital (leverage) ratio | 9.7529% | 3,991 |
| Tier 1 risk-based capital ratio | 20.3663% | 1,582 |
| Total risk-based capital ratio | 21.3656% | 1,609 |
| Memoranda: | ||
| Average total assets | $43,710,250 | 6,005 |
| Average earning assets | $38,263,500 | 6,046 |
| Average equity | $4,118,250 | 6,131 |
| Average total loans | $13,475,500 | 6,282 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9123% | 6,250 |
| Cost of funding earning assets | 0.5919% | 1,964 |
| Net interest margin | 2.3204% | 6,397 |
| Noninterest income to average assets | 0.2047% | 5,730 |
| Noninterest expense to average assets | 2.3611% | 4,992 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1410% | 6,282 |
| Return on assets (ROA) | -0.1410% | 6,296 |
| Pretax return on assets | -0.1410% | 6,284 |
| Return on Equity (ROE) | -1.5050% | 6,307 |
| Retained earnings to average equity (ytd only) | -1.5050% | 5,930 |
| Net charge-offs to loans | -0.1066% | 6,169 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7377% | 299 |
| Assets per employee ($millions) | 3.2740% | 5,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5747% | 2,563 |
| Loan loss allowance to noncurrent loans | 35.3043% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 1.5953% | 2,054 |
| Noncurrent loans to loans | 4.4605% | 496 |
| Net loans and leases to total assets | 29.8106% | 6,315 |
| Net loans and leases to deposits | 33.0451% | 6,365 |
| Net loans and leases to core deposits | 34.4961% | 6,365 |
| Total domestic deposits to total assets | 90.2119% | 706 |
| Equity capital to assets | 9.6424% | 4,570 |
| Core capital (leverage) ratio | 9.4346% | 4,423 |
| Tier 1 risk-based capital ratio | 21.7380% | 1,299 |
| Total risk-based capital ratio | 22.8078% | 1,312 |
| Memoranda: | ||
| Average total assets | $43,961,670 | 6,058 |
| Average earning assets | $38,182,330 | 6,102 |
| Average equity | $4,119,670 | 6,175 |
| Average total loans | $13,131,000 | 6,350 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0113% | 6,234 |
| Cost of funding earning assets | 0.6400% | 1,644 |
| Net interest margin | 2.3712% | 6,436 |
| Noninterest income to average assets | 0.2060% | 5,708 |
| Noninterest expense to average assets | 2.2480% | 5,331 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0179% | 6,227 |
| Return on assets (ROA) | -0.0179% | 6,237 |
| Pretax return on assets | -0.0179% | 6,231 |
| Return on Equity (ROE) | -0.1938% | 6,240 |
| Retained earnings to average equity (ytd only) | -0.1938% | 5,592 |
| Net charge-offs to loans | -0.1207% | 6,192 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 466 |
| Assets per employee ($millions) | 3.5166% | 4,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6055% | 2,676 |
| Loan loss allowance to noncurrent loans | 34.7826% | 5,726 |
| Noncurrent assets plus other real estate owned to assets | 1.4765% | 2,395 |
| Noncurrent loans to loans | 4.6159% | 510 |
| Net loans and leases to total assets | 26.8112% | 6,448 |
| Net loans and leases to deposits | 29.4916% | 6,487 |
| Net loans and leases to core deposits | 30.6824% | 6,487 |
| Total domestic deposits to total assets | 90.9113% | 609 |
| Equity capital to assets | 9.0100% | 5,107 |
| Core capital (leverage) ratio | 9.2515% | 4,644 |
| Tier 1 risk-based capital ratio | 21.4603% | 1,382 |
| Total risk-based capital ratio | 22.4938% | 1,402 |
| Memoranda: | ||
| Average total assets | $44,661,500 | 6,096 |
| Average earning assets | $38,123,500 | 6,169 |
| Average equity | $4,127,500 | 6,213 |
| Average total loans | $13,251,000 | 6,411 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8985% | 6,425 |
| Cost of funding earning assets | 0.6126% | 2,546 |
| Net interest margin | 2.2859% | 6,531 |
| Noninterest income to average assets | 0.2124% | 5,813 |
| Noninterest expense to average assets | 2.2222% | 5,571 |
| Loan and lease loss provision to assets | 0.0268% | 4,592 |
| Net operating income to assets | -0.0179% | 6,231 |
| Return on assets (ROA) | -0.0179% | 6,269 |
| Pretax return on assets | -0.0179% | 6,245 |
| Return on Equity (ROE) | -0.1923% | 6,275 |
| Retained earnings to average equity (ytd only) | -0.1923% | 5,915 |
| Net charge-offs to loans | 0.0216% | 5,004 |
| Credit loss provision to net charge-offs | 400.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 1.3333% | 4,618 |
| Efficiency ratio | 98.7976% | 521 |
| Assets per employee ($millions) | 3.3544% | 5,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3955% | 3,675 |
| Loan loss allowance to noncurrent loans | 28.1205% | 5,998 |
| Noncurrent assets plus other real estate owned to assets | 1.8277% | 2,006 |
| Noncurrent loans to loans | 4.9626% | 513 |
| Net loans and leases to total assets | 31.7587% | 6,399 |
| Net loans and leases to deposits | 35.1266% | 6,459 |
| Net loans and leases to core deposits | 37.9539% | 6,418 |
| Total domestic deposits to total assets | 90.4121% | 866 |
| Equity capital to assets | 9.4847% | 4,447 |
| Core capital (leverage) ratio | 9.6494% | 4,058 |
| Tier 1 risk-based capital ratio | 20.4501% | 1,547 |
| Total risk-based capital ratio | 21.4152% | 1,584 |
| Memoranda: | ||
| Average total assets | $44,730,000 | 6,157 |
| Average earning assets | $39,503,000 | 6,183 |
| Average equity | $4,160,800 | 6,294 |
| Average total loans | $13,879,400 | 6,460 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8496% | 6,535 |
| Cost of funding earning assets | 0.6130% | 2,707 |
| Net interest margin | 2.2366% | 6,626 |
| Noninterest income to average assets | 0.2162% | 5,883 |
| Noninterest expense to average assets | 2.1357% | 5,757 |
| Loan and lease loss provision to assets | 0.0355% | 4,307 |
| Net operating income to assets | 0.0444% | 6,227 |
| Return on assets (ROA) | 0.0444% | 6,284 |
| Pretax return on assets | 0.0444% | 6,267 |
| Return on Equity (ROE) | 0.4800% | 6,275 |
| Retained earnings to average equity (ytd only) | 0.4800% | 5,776 |
| Net charge-offs to loans | 0.0771% | 3,840 |
| Credit loss provision to net charge-offs | 150.0000% | 1,565 |
| Earnings coverage of net charge-offs (x) | 3.3739% | 3,723 |
| Efficiency ratio | 95.5882% | 645 |
| Assets per employee ($millions) | 3.5651% | 4,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3504% | 4,134 |
| Loan loss allowance to noncurrent loans | 26.1644% | 6,098 |
| Noncurrent assets plus other real estate owned to assets | 1.9401% | 2,092 |
| Noncurrent loans to loans | 5.1612% | 562 |
| Net loans and leases to total assets | 32.6149% | 6,423 |
| Net loans and leases to deposits | 36.1748% | 6,502 |
| Net loans and leases to core deposits | 39.1542% | 6,475 |
| Total domestic deposits to total assets | 90.1592% | 912 |
| Equity capital to assets | 9.6608% | 4,344 |
| Core capital (leverage) ratio | 9.7574% | 4,019 |
| Tier 1 risk-based capital ratio | 20.6511% | 1,569 |
| Total risk-based capital ratio | 21.5961% | 1,617 |
| Memoranda: | ||
| Average total assets | $45,010,750 | 6,216 |
| Average earning assets | $40,239,250 | 6,231 |
| Average equity | $4,167,000 | 6,360 |
| Average total loans | $13,838,000 | 6,531 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8225% | 6,597 |
| Cost of funding earning assets | 0.6267% | 2,717 |
| Net interest margin | 2.1958% | 6,683 |
| Noninterest income to average assets | 0.2229% | 5,848 |
| Noninterest expense to average assets | 2.0938% | 5,877 |
| Loan and lease loss provision to assets | 0.0525% | 3,935 |
| Net operating income to assets | 0.0525% | 6,240 |
| Return on assets (ROA) | 0.0525% | 6,317 |
| Pretax return on assets | 0.0525% | 6,302 |
| Return on Equity (ROE) | 0.5744% | 6,293 |
| Retained earnings to average equity (ytd only) | 0.5744% | 5,670 |
| Net charge-offs to loans | 0.1165% | 3,201 |
| Credit loss provision to net charge-offs | 150.0000% | 1,535 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,529 |
| Efficiency ratio | 94.4334% | 745 |
| Assets per employee ($millions) | 3.6718% | 4,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 3,898 |
| Loan loss allowance to noncurrent loans | 28.6787% | 6,067 |
| Noncurrent assets plus other real estate owned to assets | 1.7407% | 2,503 |
| Noncurrent loans to loans | 4.9835% | 653 |
| Net loans and leases to total assets | 29.8965% | 6,581 |
| Net loans and leases to deposits | 33.0498% | 6,636 |
| Net loans and leases to core deposits | 33.4952% | 6,656 |
| Total domestic deposits to total assets | 90.4589% | 778 |
| Equity capital to assets | 9.4095% | 4,705 |
| Core capital (leverage) ratio | 9.4141% | 4,365 |
| Tier 1 risk-based capital ratio | 20.9964% | 1,494 |
| Total risk-based capital ratio | 21.9586% | 1,536 |
| Memoranda: | ||
| Average total assets | $45,754,000 | 6,239 |
| Average earning assets | $41,169,000 | 6,250 |
| Average equity | $4,178,330 | 6,410 |
| Average total loans | $13,736,000 | 6,571 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9050% | 6,606 |
| Cost of funding earning assets | 0.6381% | 2,760 |
| Net interest margin | 2.2668% | 6,708 |
| Noninterest income to average assets | 0.2403% | 5,740 |
| Noninterest expense to average assets | 2.0687% | 5,971 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2146% | 5,840 |
| Return on assets (ROA) | 0.2146% | 5,960 |
| Pretax return on assets | 0.2146% | 6,047 |
| Return on Equity (ROE) | 2.3841% | 5,820 |
| Retained earnings to average equity (ytd only) | 2.3841% | 4,836 |
| Net charge-offs to loans | -0.0862% | 6,379 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8496% | 1,160 |
| Assets per employee ($millions) | 3.5566% | 4,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 4,487 |
| Loan loss allowance to noncurrent loans | 25.2996% | 6,182 |
| Noncurrent assets plus other real estate owned to assets | 1.8168% | 2,591 |
| Noncurrent loans to loans | 5.3232% | 698 |
| Net loans and leases to total assets | 30.1021% | 6,603 |
| Net loans and leases to deposits | 33.1436% | 6,665 |
| Net loans and leases to core deposits | 33.5665% | 6,686 |
| Total domestic deposits to total assets | 90.8232% | 599 |
| Equity capital to assets | 9.0990% | 5,366 |
| Core capital (leverage) ratio | 8.8152% | 5,160 |
| Tier 1 risk-based capital ratio | 20.0730% | 1,747 |
| Total risk-based capital ratio | 20.9854% | 1,809 |
| Memoranda: | ||
| Average total assets | $46,600,000 | 6,279 |
| Average earning assets | $41,997,000 | 6,280 |
| Average equity | $4,194,500 | 6,468 |
| Average total loans | $13,922,000 | 6,627 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8663% | 6,833 |
| Cost of funding earning assets | 0.8092% | 2,594 |
| Net interest margin | 2.0572% | 6,914 |
| Noninterest income to average assets | 0.1979% | 6,003 |
| Noninterest expense to average assets | 1.8797% | 6,517 |
| Loan and lease loss provision to assets | 0.2599% | 2,568 |
| Net operating income to assets | -0.1319% | 6,318 |
| Return on assets (ROA) | -0.1319% | 6,408 |
| Pretax return on assets | -0.1319% | 6,386 |
| Return on Equity (ROE) | -1.6733% | 6,436 |
| Retained earnings to average equity (ytd only) | -1.6733% | 6,116 |
| Net charge-offs to loans | 1.1757% | 866 |
| Credit loss provision to net charge-offs | 76.1364% | 3,963 |
| Earnings coverage of net charge-offs (x) | 0.3750% | 5,294 |
| Efficiency ratio | 92.8502% | 871 |
| Assets per employee ($millions) | 3.6126% | 4,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 4,347 |
| Loan loss allowance to noncurrent loans | 28.8136% | 6,106 |
| Noncurrent assets plus other real estate owned to assets | 1.5714% | 3,030 |
| Noncurrent loans to loans | 4.7248% | 876 |
| Net loans and leases to total assets | 28.8498% | 6,739 |
| Net loans and leases to deposits | 31.6995% | 6,794 |
| Net loans and leases to core deposits | 32.0952% | 6,806 |
| Total domestic deposits to total assets | 91.0101% | 491 |
| Equity capital to assets | 8.9047% | 5,629 |
| Core capital (leverage) ratio | 8.3425% | 5,836 |
| Tier 1 risk-based capital ratio | 19.9032% | 1,704 |
| Total risk-based capital ratio | 20.7994% | 1,770 |
| Memoranda: | ||
| Average total assets | $51,550,200 | 6,163 |
| Average earning assets | $45,354,000 | 6,193 |
| Average equity | $4,063,800 | 6,552 |
| Average total loans | $14,969,200 | 6,659 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8410% | 6,958 |
| Cost of funding earning assets | 0.8419% | 2,612 |
| Net interest margin | 1.9991% | 7,039 |
| Noninterest income to average assets | 0.1948% | 6,134 |
| Noninterest expense to average assets | 1.8774% | 6,562 |
| Loan and lease loss provision to assets | 0.0506% | 5,124 |
| Net operating income to assets | 0.0152% | 6,257 |
| Return on assets (ROA) | 0.0152% | 6,389 |
| Pretax return on assets | 0.0152% | 6,383 |
| Return on Equity (ROE) | 0.1983% | 6,381 |
| Retained earnings to average equity (ytd only) | 0.1983% | 6,018 |
| Net charge-offs to loans | 0.3317% | 2,803 |
| Credit loss provision to net charge-offs | 52.6316% | 4,332 |
| Earnings coverage of net charge-offs (x) | 0.6842% | 4,982 |
| Efficiency ratio | 95.8333% | 683 |
| Assets per employee ($millions) | 3.9040% | 4,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3630% | 4,529 |
| Loan loss allowance to noncurrent loans | 31.1669% | 6,079 |
| Noncurrent assets plus other real estate owned to assets | 1.5073% | 3,329 |
| Noncurrent loans to loans | 4.3731% | 1,100 |
| Net loans and leases to total assets | 30.0875% | 6,816 |
| Net loans and leases to deposits | 32.8818% | 6,891 |
| Net loans and leases to core deposits | 33.8101% | 6,905 |
| Total domestic deposits to total assets | 91.5018% | 287 |
| Equity capital to assets | 8.3898% | 6,360 |
| Core capital (leverage) ratio | 8.3984% | 5,899 |
| Tier 1 risk-based capital ratio | 18.1830% | 2,270 |
| Total risk-based capital ratio | 19.0911% | 2,377 |
| Memoranda: | ||
| Average total assets | $52,696,750 | 6,199 |
| Average earning assets | $46,085,250 | 6,247 |
| Average equity | $4,034,250 | 6,634 |
| Average total loans | $15,277,500 | 6,730 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7690% | 7,054 |
| Cost of funding earning assets | 0.8733% | 2,629 |
| Net interest margin | 1.8957% | 7,133 |
| Noninterest income to average assets | 0.1987% | 6,132 |
| Noninterest expense to average assets | 1.8671% | 6,659 |
| Loan and lease loss provision to assets | 0.0075% | 5,561 |
| Net operating income to assets | -0.0075% | 6,329 |
| Return on assets (ROA) | -0.0075% | 6,461 |
| Pretax return on assets | -0.0075% | 6,457 |
| Return on Equity (ROE) | -0.1010% | 6,470 |
| Retained earnings to average equity (ytd only) | -0.1010% | 6,061 |
| Net charge-offs to loans | 0.1578% | 3,660 |
| Credit loss provision to net charge-offs | 16.6667% | 4,658 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 5,078 |
| Efficiency ratio | 99.1968% | 590 |
| Assets per employee ($millions) | 3.8142% | 4,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3949% | 4,489 |
| Loan loss allowance to noncurrent loans | 36.3787% | 5,855 |
| Noncurrent assets plus other real estate owned to assets | 1.4158% | 3,599 |
| Noncurrent loans to loans | 3.8344% | 1,461 |
| Net loans and leases to total assets | 31.2211% | 6,842 |
| Net loans and leases to deposits | 33.9652% | 6,920 |
| Net loans and leases to core deposits | 35.1442% | 6,933 |
| Total domestic deposits to total assets | 91.9209% | 237 |
| Equity capital to assets | 7.9641% | 6,587 |
| Core capital (leverage) ratio | 7.6392% | 6,546 |
| Tier 1 risk-based capital ratio | 16.7279% | 2,797 |
| Total risk-based capital ratio | 17.6636% | 2,919 |
| Memoranda: | ||
| Average total assets | $53,345,000 | 6,215 |
| Average earning assets | $46,948,330 | 6,263 |
| Average equity | $3,959,670 | 6,694 |
| Average total loans | $15,209,670 | 6,787 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8451% | 7,097 |
| Cost of funding earning assets | 0.9263% | 2,466 |
| Net interest margin | 1.9188% | 7,183 |
| Noninterest income to average assets | 0.2463% | 5,878 |
| Noninterest expense to average assets | 1.7818% | 6,815 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1449% | 6,131 |
| Return on assets (ROA) | 0.1449% | 6,258 |
| Pretax return on assets | 0.1449% | 6,306 |
| Return on Equity (ROE) | 2.0177% | 6,070 |
| Retained earnings to average equity (ytd only) | 2.0177% | 5,256 |
| Net charge-offs to loans | 0.2940% | 2,490 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.8182% | 3,431 |
| Efficiency ratio | 91.7293% | 961 |
| Assets per employee ($millions) | 4.1972% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4764% | 4,274 |
| Loan loss allowance to noncurrent loans | 41.2098% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 1.1528% | 4,204 |
| Noncurrent loans to loans | 3.5826% | 1,736 |
| Net loans and leases to total assets | 26.6623% | 7,014 |
| Net loans and leases to deposits | 28.7846% | 7,081 |
| Net loans and leases to core deposits | 30.1532% | 7,073 |
| Total domestic deposits to total assets | 92.6270% | 172 |
| Equity capital to assets | 7.2832% | 6,854 |
| Core capital (leverage) ratio | 7.0837% | 6,806 |
| Tier 1 risk-based capital ratio | 16.7219% | 2,796 |
| Total risk-based capital ratio | 17.6481% | 2,921 |
| Memoranda: | ||
| Average total assets | $55,225,000 | 6,199 |
| Average earning assets | $48,364,000 | 6,268 |
| Average equity | $3,965,000 | 6,723 |
| Average total loans | $14,964,500 | 6,858 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9656% | 7,182 |
| Cost of funding earning assets | 0.9925% | 3,433 |
| Net interest margin | 1.9731% | 7,226 |
| Noninterest income to average assets | 0.2024% | 6,056 |
| Noninterest expense to average assets | 1.7789% | 6,980 |
| Loan and lease loss provision to assets | 1.9600% | 310 |
| Net operating income to assets | -1.7576% | 6,973 |
| Return on assets (ROA) | -1.7576% | 6,989 |
| Pretax return on assets | -1.7576% | 6,959 |
| Return on Equity (ROE) | -22.6348% | 7,017 |
| Retained earnings to average equity (ytd only) | -22.6348% | 7,005 |
| Net charge-offs to loans | 6.7288% | 35 |
| Credit loss provision to net charge-offs | 99.1914% | 3,609 |
| Earnings coverage of net charge-offs (x) | 0.1024% | 5,756 |
| Efficiency ratio | 89.0681% | 1,265 |
| Assets per employee ($millions) | 4.2989% | 3,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5103% | 3,969 |
| Loan loss allowance to noncurrent loans | 38.7479% | 5,681 |
| Noncurrent assets plus other real estate owned to assets | 1.2633% | 4,120 |
| Noncurrent loans to loans | 3.8976% | 1,605 |
| Net loans and leases to total assets | 26.7223% | 7,102 |
| Net loans and leases to deposits | 28.8012% | 7,158 |
| Net loans and leases to core deposits | 29.9783% | 7,156 |
| Total domestic deposits to total assets | 92.7817% | 150 |
| Equity capital to assets | 7.0787% | 6,941 |
| Core capital (leverage) ratio | 7.1643% | 6,808 |
| Tier 1 risk-based capital ratio | 16.1328% | 2,984 |
| Total risk-based capital ratio | 17.0769% | 3,101 |
| Memoranda: | ||
| Average total assets | $56,327,000 | 6,151 |
| Average earning assets | $50,782,200 | 6,165 |
| Average equity | $4,373,800 | 6,634 |
| Average total loans | $16,540,800 | 6,821 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0523% | 7,250 |
| Cost of funding earning assets | 1.0261% | 3,493 |
| Net interest margin | 2.0261% | 7,295 |
| Noninterest income to average assets | 0.1725% | 6,353 |
| Noninterest expense to average assets | 1.7010% | 7,096 |
| Loan and lease loss provision to assets | 2.4522% | 185 |
| Net operating income to assets | -2.1522% | 7,161 |
| Return on assets (ROA) | -2.1522% | 7,170 |
| Pretax return on assets | -2.1522% | 7,150 |
| Return on Equity (ROE) | -27.1231% | 7,179 |
| Retained earnings to average equity (ytd only) | -27.1231% | 7,170 |
| Net charge-offs to loans | 8.2674% | 22 |
| Credit loss provision to net charge-offs | 99.1404% | 3,443 |
| Earnings coverage of net charge-offs (x) | 0.1213% | 5,510 |
| Efficiency ratio | 84.2975% | 1,704 |
| Assets per employee ($millions) | 4.2839% | 3,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5222% | 3,994 |
| Loan loss allowance to noncurrent loans | 34.5921% | 5,983 |
| Noncurrent assets plus other real estate owned to assets | 1.3737% | 4,073 |
| Noncurrent loans to loans | 4.4004% | 1,477 |
| Net loans and leases to total assets | 26.6021% | 7,178 |
| Net loans and leases to deposits | 28.7274% | 7,234 |
| Net loans and leases to core deposits | 29.9075% | 7,231 |
| Total domestic deposits to total assets | 92.6020% | 152 |
| Equity capital to assets | 7.2561% | 7,001 |
| Core capital (leverage) ratio | 7.5806% | 6,711 |
| Tier 1 risk-based capital ratio | 16.5959% | 2,814 |
| Total risk-based capital ratio | 17.5487% | 2,934 |
| Memoranda: | ||
| Average total assets | $56,437,250 | 6,201 |
| Average earning assets | $50,933,500 | 6,204 |
| Average equity | $4,478,250 | 6,652 |
| Average total loans | $16,885,250 | 6,877 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0011% | 7,336 |
| Cost of funding earning assets | 1.0291% | 3,750 |
| Net interest margin | 1.9720% | 7,373 |
| Noninterest income to average assets | 0.1764% | 6,397 |
| Noninterest expense to average assets | 1.6830% | 7,193 |
| Loan and lease loss provision to assets | 3.6623% | 93 |
| Net operating income to assets | -3.3906% | 7,354 |
| Return on assets (ROA) | -3.3906% | 7,359 |
| Pretax return on assets | -3.3906% | 7,351 |
| Return on Equity (ROE) | -41.5657% | 7,315 |
| Retained earnings to average equity (ytd only) | -41.5657% | 7,312 |
| Net charge-offs to loans | 11.8521% | 12 |
| Credit loss provision to net charge-offs | 100.0964% | 3,106 |
| Earnings coverage of net charge-offs (x) | 0.0743% | 5,233 |
| Efficiency ratio | 85.3791% | 1,665 |
| Assets per employee ($millions) | 4.1066% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 4,488 |
| Loan loss allowance to noncurrent loans | 34.7889% | 5,995 |
| Noncurrent assets plus other real estate owned to assets | 1.4798% | 3,988 |
| Noncurrent loans to loans | 4.0750% | 1,692 |
| Net loans and leases to total assets | 31.1318% | 7,140 |
| Net loans and leases to deposits | 33.6867% | 7,229 |
| Net loans and leases to core deposits | 35.1352% | 7,237 |
| Total domestic deposits to total assets | 92.4156% | 174 |
| Equity capital to assets | 7.4626% | 6,967 |
| Core capital (leverage) ratio | 7.1337% | 6,944 |
| Tier 1 risk-based capital ratio | 15.7251% | 3,117 |
| Total risk-based capital ratio | 16.6800% | 3,221 |
| Memoranda: | ||
| Average total assets | $56,686,000 | 6,242 |
| Average earning assets | $51,114,670 | 6,253 |
| Average equity | $4,624,000 | 6,645 |
| Average total loans | $17,499,000 | 6,916 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1346% | 7,364 |
| Cost of funding earning assets | 1.0297% | 3,991 |
| Net interest margin | 2.1049% | 7,387 |
| Noninterest income to average assets | 0.1988% | 6,299 |
| Noninterest expense to average assets | 1.6594% | 7,260 |
| Loan and lease loss provision to assets | 0.1303% | 4,371 |
| Net operating income to assets | 0.3154% | 5,333 |
| Return on assets (ROA) | 0.3154% | 5,408 |
| Pretax return on assets | 0.3154% | 5,614 |
| Return on Equity (ROE) | 3.7217% | 5,031 |
| Retained earnings to average equity (ytd only) | 3.7217% | 3,938 |
| Net charge-offs to loans | 0.4041% | 2,482 |
| Credit loss provision to net charge-offs | 105.5556% | 2,522 |
| Earnings coverage of net charge-offs (x) | 3.6111% | 2,696 |
| Efficiency ratio | 78.1759% | 2,818 |
| Assets per employee ($millions) | 4.3533% | 3,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3792% | 4,767 |
| Loan loss allowance to noncurrent loans | 18.0787% | 6,832 |
| Noncurrent assets plus other real estate owned to assets | 2.5162% | 2,717 |
| Noncurrent loans to loans | 7.6288% | 676 |
| Net loans and leases to total assets | 30.1981% | 7,223 |
| Net loans and leases to deposits | 33.1414% | 7,291 |
| Net loans and leases to core deposits | 33.1414% | 7,324 |
| Total domestic deposits to total assets | 91.1190% | 566 |
| Equity capital to assets | 8.7767% | 5,532 |
| Core capital (leverage) ratio | 8.3929% | 5,640 |
| Tier 1 risk-based capital ratio | 17.3381% | 2,361 |
| Total risk-based capital ratio | 18.1767% | 2,482 |
| Memoranda: | ||
| Average total assets | $58,336,000 | 6,246 |
| Average earning assets | $52,829,000 | 6,244 |
| Average equity | $4,944,000 | 6,584 |
| Average total loans | $17,819,000 | 6,954 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6518% | 7,325 |
| Cost of funding earning assets | 1.2109% | 4,490 |
| Net interest margin | 2.4409% | 7,304 |
| Noninterest income to average assets | 0.1481% | 6,649 |
| Noninterest expense to average assets | 1.7617% | 7,297 |
| Loan and lease loss provision to assets | 0.4165% | 3,609 |
| Net operating income to assets | 0.1899% | 5,297 |
| Return on assets (ROA) | 0.1899% | 5,470 |
| Pretax return on assets | 0.1899% | 5,509 |
| Return on Equity (ROE) | 2.2044% | 5,307 |
| Retained earnings to average equity (ytd only) | 2.2044% | 4,346 |
| Net charge-offs to loans | 1.4531% | 1,525 |
| Credit loss provision to net charge-offs | 87.2263% | 5,236 |
| Earnings coverage of net charge-offs (x) | 1.2701% | 4,835 |
| Efficiency ratio | 73.8043% | 3,440 |
| Assets per employee ($millions) | 5.0066% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 5,003 |
| Loan loss allowance to noncurrent loans | 18.7107% | 6,858 |
| Noncurrent assets plus other real estate owned to assets | 2.2853% | 2,987 |
| Noncurrent loans to loans | 6.9474% | 815 |
| Net loans and leases to total assets | 30.0787% | 7,351 |
| Net loans and leases to deposits | 32.8104% | 7,415 |
| Net loans and leases to core deposits | 34.1975% | 7,420 |
| Total domestic deposits to total assets | 91.6743% | 350 |
| Equity capital to assets | 8.1909% | 6,269 |
| Core capital (leverage) ratio | 8.8240% | 4,820 |
| Tier 1 risk-based capital ratio | 16.3078% | 2,611 |
| Total risk-based capital ratio | 17.1011% | 2,778 |
| Memoranda: | ||
| Average total assets | $57,388,800 | 6,292 |
| Average earning assets | $52,193,200 | 6,282 |
| Average equity | $4,944,600 | 6,683 |
| Average total loans | $18,856,400 | 6,986 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7105% | 7,443 |
| Cost of funding earning assets | 1.2704% | 4,438 |
| Net interest margin | 2.4401% | 7,410 |
| Noninterest income to average assets | 0.1505% | 6,788 |
| Noninterest expense to average assets | 1.7349% | 7,405 |
| Loan and lease loss provision to assets | 0.0212% | 6,846 |
| Net operating income to assets | 0.6159% | 3,811 |
| Return on assets (ROA) | 0.6159% | 3,980 |
| Pretax return on assets | 0.6159% | 4,546 |
| Return on Equity (ROE) | 7.0563% | 3,319 |
| Retained earnings to average equity (ytd only) | 7.0563% | 1,810 |
| Net charge-offs to loans | 0.2247% | 4,589 |
| Credit loss provision to net charge-offs | 28.1250% | 6,173 |
| Earnings coverage of net charge-offs (x) | 8.4678% | 2,160 |
| Efficiency ratio | 72.5471% | 3,601 |
| Assets per employee ($millions) | 4.1497% | 3,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 5,103 |
| Loan loss allowance to noncurrent loans | 16.8919% | 7,008 |
| Noncurrent assets plus other real estate owned to assets | 2.9307% | 2,477 |
| Noncurrent loans to loans | 7.5287% | 717 |
| Net loans and leases to total assets | 35.9767% | 7,267 |
| Net loans and leases to deposits | 39.7990% | 7,377 |
| Net loans and leases to core deposits | 41.5207% | 7,393 |
| Total domestic deposits to total assets | 90.3960% | 681 |
| Equity capital to assets | 9.4446% | 4,929 |
| Core capital (leverage) ratio | 9.4042% | 4,047 |
| Tier 1 risk-based capital ratio | 16.6304% | 2,493 |
| Total risk-based capital ratio | 17.4545% | 2,618 |
| Memoranda: | ||
| Average total assets | $56,716,250 | 6,396 |
| Average earning assets | $51,636,000 | 6,377 |
| Average equity | $4,950,500 | 6,767 |
| Average total loans | $18,993,250 | 7,074 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6418% | 7,559 |
| Cost of funding earning assets | 1.2788% | 4,659 |
| Net interest margin | 2.3630% | 7,502 |
| Noninterest income to average assets | 0.1492% | 6,821 |
| Noninterest expense to average assets | 1.7384% | 7,468 |
| Loan and lease loss provision to assets | 0.0312% | 6,631 |
| Net operating income to assets | 0.5274% | 4,210 |
| Return on assets (ROA) | 0.5274% | 4,363 |
| Pretax return on assets | 0.5274% | 4,823 |
| Return on Equity (ROE) | 6.2011% | 3,697 |
| Retained earnings to average equity (ytd only) | 6.2011% | 2,229 |
| Net charge-offs to loans | 0.3409% | 3,640 |
| Credit loss provision to net charge-offs | 28.1250% | 5,763 |
| Earnings coverage of net charge-offs (x) | 5.0313% | 2,772 |
| Efficiency ratio | 75.0755% | 3,249 |
| Assets per employee ($millions) | 4.2647% | 3,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 4,855 |
| Loan loss allowance to noncurrent loans | 17.5932% | 7,048 |
| Noncurrent assets plus other real estate owned to assets | 2.7380% | 2,646 |
| Noncurrent loans to loans | 7.4456% | 724 |
| Net loans and leases to total assets | 33.9731% | 7,421 |
| Net loans and leases to deposits | 37.3925% | 7,506 |
| Net loans and leases to core deposits | 40.2363% | 7,487 |
| Total domestic deposits to total assets | 90.8551% | 547 |
| Equity capital to assets | 9.0006% | 5,448 |
| Core capital (leverage) ratio | 8.7791% | 4,956 |
| Tier 1 risk-based capital ratio | 16.0526% | 2,648 |
| Total risk-based capital ratio | 16.8663% | 2,811 |
| Memoranda: | ||
| Average total assets | $57,639,670 | 6,405 |
| Average earning assets | $52,391,670 | 6,391 |
| Average equity | $4,902,330 | 6,813 |
| Average total loans | $18,771,670 | 7,138 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6459% | 7,658 |
| Cost of funding earning assets | 1.3113% | 4,745 |
| Net interest margin | 2.3346% | 7,573 |
| Noninterest income to average assets | 0.1566% | 6,850 |
| Noninterest expense to average assets | 1.7229% | 7,556 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5312% | 4,226 |
| Return on assets (ROA) | 0.5312% | 4,364 |
| Pretax return on assets | 0.5312% | 4,850 |
| Return on Equity (ROE) | 6.4217% | 3,652 |
| Retained earnings to average equity (ytd only) | 6.4217% | 2,397 |
| Net charge-offs to loans | 0.6876% | 2,114 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.4375% | 3,318 |
| Efficiency ratio | 75.8308% | 3,245 |
| Assets per employee ($millions) | 4.4305% | 3,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3630% | 4,608 |
| Loan loss allowance to noncurrent loans | 15.8033% | 7,187 |
| Noncurrent assets plus other real estate owned to assets | 2.8022% | 2,595 |
| Noncurrent loans to loans | 8.6251% | 589 |
| Net loans and leases to total assets | 30.2794% | 7,614 |
| Net loans and leases to deposits | 33.1483% | 7,680 |
| Net loans and leases to core deposits | 35.5483% | 7,657 |
| Total domestic deposits to total assets | 91.3450% | 424 |
| Equity capital to assets | 8.4952% | 6,007 |
| Core capital (leverage) ratio | 8.1716% | 5,958 |
| Tier 1 risk-based capital ratio | 16.2615% | 2,535 |
| Total risk-based capital ratio | 17.0685% | 2,661 |
| Memoranda: | ||
| Average total assets | $58,739,000 | 6,440 |
| Average earning assets | $52,772,000 | 6,447 |
| Average equity | $4,858,500 | 6,891 |
| Average total loans | $18,615,000 | 7,231 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8680% | 7,741 |
| Cost of funding earning assets | 1.4889% | 5,556 |
| Net interest margin | 2.3791% | 7,525 |
| Noninterest income to average assets | 0.1211% | 7,152 |
| Noninterest expense to average assets | 1.6662% | 7,724 |
| Loan and lease loss provision to assets | 1.8394% | 1,223 |
| Net operating income to assets | -1.1467% | 6,678 |
| Return on assets (ROA) | -1.1467% | 6,680 |
| Pretax return on assets | -1.1467% | 6,507 |
| Return on Equity (ROE) | -11.7525% | 6,752 |
| Retained earnings to average equity (ytd only) | -19.4555% | 7,090 |
| Net charge-offs to loans | 5.3974% | 214 |
| Credit loss provision to net charge-offs | 107.2549% | 5,165 |
| Earnings coverage of net charge-offs (x) | 0.4039% | 5,711 |
| Efficiency ratio | 70.0641% | 4,613 |
| Assets per employee ($millions) | 4.6062% | 2,753 |
| Cash dividends to net income (ytd only)* | -65.5425% | 7,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 4,255 |
| Loan loss allowance to noncurrent loans | 15.0165% | 7,263 |
| Noncurrent assets plus other real estate owned to assets | 3.1813% | 2,170 |
| Noncurrent loans to loans | 9.2997% | 468 |
| Net loans and leases to total assets | 32.1905% | 7,651 |
| Net loans and leases to deposits | 35.0638% | 7,741 |
| Net loans and leases to core deposits | 47.1596% | 7,647 |
| Total domestic deposits to total assets | 91.8054% | 301 |
| Equity capital to assets | 8.0560% | 6,520 |
| Core capital (leverage) ratio | 8.4785% | 5,307 |
| Tier 1 risk-based capital ratio | 14.9087% | 2,997 |
| Total risk-based capital ratio | 15.7609% | 3,156 |
| Memoranda: | ||
| Average total assets | $59,475,400 | 6,373 |
| Average earning assets | $55,946,200 | 6,294 |
| Average equity | $5,803,000 | 6,670 |
| Average total loans | $18,898,000 | 7,261 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9961% | 7,804 |
| Cost of funding earning assets | 1.5481% | 5,642 |
| Net interest margin | 2.4479% | 7,515 |
| Noninterest income to average assets | 0.1257% | 7,259 |
| Noninterest expense to average assets | 1.6191% | 7,815 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8466% | 2,631 |
| Return on assets (ROA) | 0.8466% | 2,699 |
| Pretax return on assets | 0.8466% | 3,394 |
| Return on Equity (ROE) | 8.3114% | 2,511 |
| Retained earnings to average equity (ytd only) | 1.7636% | 4,324 |
| Net charge-offs to loans | 0.0427% | 6,309 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 62.8313% | 519 |
| Efficiency ratio | 65.1184% | 5,528 |
| Assets per employee ($millions) | 4.2851% | 3,229 |
| Cash dividends to net income (ytd only)* | 78.7805% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 6,566 |
| Loan loss allowance to noncurrent loans | 57.2700% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 0.7611% | 5,602 |
| Noncurrent loans to loans | 1.6531% | 4,163 |
| Net loans and leases to total assets | 36.2492% | 7,613 |
| Net loans and leases to deposits | 40.7635% | 7,707 |
| Net loans and leases to core deposits | 57.1037% | 7,502 |
| Total domestic deposits to total assets | 88.9258% | 1,231 |
| Equity capital to assets | 10.8444% | 3,174 |
| Core capital (leverage) ratio | 10.6803% | 2,644 |
| Tier 1 risk-based capital ratio | 18.8003% | 1,798 |
| Total risk-based capital ratio | 19.4067% | 1,893 |
| Memoranda: | ||
| Average total assets | $59,374,000 | 6,408 |
| Average earning assets | $56,754,500 | 6,302 |
| Average equity | $6,047,750 | 6,647 |
| Average total loans | $18,735,250 | 7,337 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9344% | 7,924 |
| Cost of funding earning assets | 1.6040% | 5,732 |
| Net interest margin | 2.3303% | 7,650 |
| Noninterest income to average assets | 0.1254% | 7,346 |
| Noninterest expense to average assets | 1.4753% | 7,981 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8845% | 2,515 |
| Return on assets (ROA) | 0.8845% | 2,620 |
| Pretax return on assets | 0.8845% | 3,389 |
| Return on Equity (ROE) | 8.8595% | 2,410 |
| Retained earnings to average equity (ytd only) | 2.3140% | 4,050 |
| Net charge-offs to loans | 0.0220% | 6,191 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 134.0000% | 296 |
| Efficiency ratio | 61.9580% | 6,248 |
| Assets per employee ($millions) | 4.4098% | 2,915 |
| Cash dividends to net income (ytd only)* | 73.8806% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 6,076 |
| Loan loss allowance to noncurrent loans | 36.4815% | 5,987 |
| Noncurrent assets plus other real estate owned to assets | 1.0205% | 4,934 |
| Noncurrent loans to loans | 2.7979% | 2,579 |
| Net loans and leases to total assets | 33.3229% | 7,800 |
| Net loans and leases to deposits | 37.3332% | 7,878 |
| Net loans and leases to core deposits | 52.4088% | 7,698 |
| Total domestic deposits to total assets | 89.2581% | 1,140 |
| Equity capital to assets | 10.5238% | 3,374 |
| Core capital (leverage) ratio | 10.1398% | 3,150 |
| Tier 1 risk-based capital ratio | 18.8926% | 1,798 |
| Total risk-based capital ratio | 19.5159% | 1,892 |
| Memoranda: | ||
| Average total assets | $60,596,670 | 6,427 |
| Average earning assets | $58,103,000 | 6,308 |
| Average equity | $6,050,000 | 6,694 |
| Average total loans | $18,185,000 | 7,435 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9664% | 7,999 |
| Cost of funding earning assets | 1.6482% | 5,819 |
| Net interest margin | 2.3182% | 7,697 |
| Noninterest income to average assets | 0.1478% | 7,240 |
| Noninterest expense to average assets | 1.4012% | 8,042 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9706% | 2,438 |
| Return on assets (ROA) | 0.9706% | 2,563 |
| Pretax return on assets | 0.9706% | 3,465 |
| Return on Equity (ROE) | 9.9695% | 2,332 |
| Retained earnings to average equity (ytd only) | 9.9695% | 1,205 |
| Net charge-offs to loans | -0.1362% | 7,951 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5366% | 6,621 |
| Assets per employee ($millions) | 4.6088% | 2,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 4,740 |
| Loan loss allowance to noncurrent loans | 55.2561% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 0.6993% | 5,409 |
| Noncurrent loans to loans | 2.1885% | 2,995 |
| Net loans and leases to total assets | 27.9513% | 7,963 |
| Net loans and leases to deposits | 31.1990% | 8,021 |
| Net loans and leases to core deposits | 43.3838% | 7,914 |
| Total domestic deposits to total assets | 89.5903% | 975 |
| Equity capital to assets | 10.2295% | 3,733 |
| Core capital (leverage) ratio | 9.7934% | 3,640 |
| Tier 1 risk-based capital ratio | 19.8536% | 1,646 |
| Total risk-based capital ratio | 20.5265% | 1,717 |
| Memoranda: | ||
| Average total assets | $62,231,500 | 6,390 |
| Average earning assets | $59,701,000 | 6,275 |
| Average equity | $6,058,500 | 6,738 |
| Average total loans | $17,627,500 | 7,502 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0664% | 7,794 |
| Cost of funding earning assets | 2.3853% | 4,783 |
| Net interest margin | 2.6811% | 7,534 |
| Noninterest income to average assets | 0.2989% | 6,322 |
| Noninterest expense to average assets | 1.6474% | 7,919 |
| Loan and lease loss provision to assets | 0.0623% | 6,624 |
| Net operating income to assets | 1.1368% | 2,002 |
| Return on assets (ROA) | 1.1368% | 1,921 |
| Pretax return on assets | 1.1368% | 2,892 |
| Return on Equity (ROE) | 10.8177% | 1,962 |
| Retained earnings to average equity (ytd only) | 4.1138% | 2,571 |
| Net charge-offs to loans | 0.1930% | 4,259 |
| Credit loss provision to net charge-offs | 109.3750% | 4,919 |
| Earnings coverage of net charge-offs (x) | 21.0625% | 1,549 |
| Efficiency ratio | 57.3750% | 6,806 |
| Assets per employee ($millions) | 4.9652% | 1,977 |
| Cash dividends to net income (ytd only)* | 61.9718% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 5,369 |
| Loan loss allowance to noncurrent loans | 78.9683% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 0.4648% | 5,828 |
| Noncurrent loans to loans | 1.3768% | 3,767 |
| Net loans and leases to total assets | 28.0473% | 8,033 |
| Net loans and leases to deposits | 30.9836% | 8,106 |
| Net loans and leases to core deposits | 40.5937% | 8,043 |
| Total domestic deposits to total assets | 90.5233% | 477 |
| Equity capital to assets | 9.2768% | 4,963 |
| Core capital (leverage) ratio | 9.8727% | 3,574 |
| Tier 1 risk-based capital ratio | 18.0124% | 2,034 |
| Total risk-based capital ratio | 18.6204% | 2,161 |
| Memoranda: | ||
| Average total assets | $56,210,000 | 6,519 |
| Average earning assets | $53,411,000 | 6,442 |
| Average equity | $5,907,000 | 6,841 |
| Average total loans | $16,578,200 | 7,549 |