Home > The Pleasant Hill Bank > Performance and Condition Ratios
The Pleasant Hill Bank, Performance and Condition Ratios
| 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 | 3.2265% | 5,260 |
| Cost of funding earning assets | 0.1769% | 5,240 |
| Net interest margin | 3.0496% | 4,849 |
| Noninterest income to average assets | 0.3884% | 3,976 |
| Noninterest expense to average assets | 2.7827% | 3,079 |
| Loan and lease loss provision to assets | 0.0917% | 2,520 |
| Net operating income to assets | 0.2980% | 5,226 |
| Return on assets (ROA) | 0.2980% | 5,293 |
| Pretax return on assets | 0.4114% | 5,211 |
| Return on Equity (ROE) | 2.7940% | 5,215 |
| Retained earnings to average equity (ytd only) | 1.3134% | 4,754 |
| Net charge-offs to loans | 0.0025% | 4,186 |
| Credit loss provision to net charge-offs | 7,200.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 395.0000% | 204 |
| Efficiency ratio | 84.6899% | 941 |
| Assets per employee ($millions) | 5.3765% | 1,978 |
| Cash dividends to net income (ytd only)* | 52.9915% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 3,661 |
| Loan loss allowance to noncurrent loans | 371.7742% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.2517% | 4,299 |
| Noncurrent loans to loans | 0.2983% | 4,077 |
| Net loans and leases to total assets | 50.9703% | 4,692 |
| Net loans and leases to deposits | 56.9825% | 4,857 |
| Net loans and leases to core deposits | 57.3058% | 5,004 |
| Total domestic deposits to total assets | 89.4491% | 880 |
| Equity capital to assets | 10.3848% | 3,293 |
| Core capital (leverage) ratio | 10.7882% | 2,545 |
| Tier 1 risk-based capital ratio | 30.2004% | 471 |
| Total risk-based capital ratio | 31.4562% | 467 |
| Memoranda: | ||
| Average total assets | $78,521,400 | 4,754 |
| Average earning assets | $74,601,000 | 4,711 |
| Average equity | $8,375,200 | 4,871 |
| Average total loans | $40,532,600 | 4,856 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1998% | 5,358 |
| Cost of funding earning assets | 0.1724% | 5,327 |
| Net interest margin | 3.0274% | 4,958 |
| Noninterest income to average assets | 0.4103% | 3,844 |
| Noninterest expense to average assets | 2.7917% | 3,039 |
| Loan and lease loss provision to assets | 0.0923% | 2,385 |
| Net operating income to assets | 0.2992% | 5,285 |
| Return on assets (ROA) | 0.2992% | 5,369 |
| Pretax return on assets | 0.4086% | 5,288 |
| Return on Equity (ROE) | 2.7859% | 5,277 |
| Retained earnings to average equity (ytd only) | 1.9104% | 4,726 |
| Net charge-offs to loans | 0.0033% | 3,817 |
| Credit loss provision to net charge-offs | 5,400.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 293.7293% | 279 |
| Efficiency ratio | 84.7871% | 926 |
| Assets per employee ($millions) | 5.2433% | 2,097 |
| Cash dividends to net income (ytd only)* | 31.4276% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 4,011 |
| Loan loss allowance to noncurrent loans | 94.2553% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 0.6980% | 2,819 |
| Noncurrent loans to loans | 1.1367% | 1,980 |
| Net loans and leases to total assets | 52.0083% | 4,657 |
| Net loans and leases to deposits | 58.4101% | 4,857 |
| Net loans and leases to core deposits | 58.7515% | 5,009 |
| Total domestic deposits to total assets | 89.0399% | 885 |
| Equity capital to assets | 10.7401% | 3,320 |
| Core capital (leverage) ratio | 10.6786% | 2,803 |
| Tier 1 risk-based capital ratio | 19.0985% | 1,653 |
| Total risk-based capital ratio | 20.1055% | 1,668 |
| Memoranda: | ||
| Average total assets | $77,990,000 | 4,807 |
| Average earning assets | $74,252,250 | 4,751 |
| Average equity | $8,375,250 | 4,917 |
| Average total loans | $40,274,000 | 4,909 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2047% | 5,422 |
| Cost of funding earning assets | 0.1675% | 5,434 |
| Net interest margin | 3.0372% | 5,000 |
| Noninterest income to average assets | 0.4320% | 3,650 |
| Noninterest expense to average assets | 2.8314% | 2,914 |
| Loan and lease loss provision to assets | 0.0926% | 2,301 |
| Net operating income to assets | 0.2983% | 5,328 |
| Return on assets (ROA) | 0.2983% | 5,415 |
| Pretax return on assets | 0.3986% | 5,342 |
| Return on Equity (ROE) | 2.7780% | 5,307 |
| Retained earnings to average equity (ytd only) | 1.4608% | 4,795 |
| Net charge-offs to loans | 0.0050% | 3,525 |
| Credit loss provision to net charge-offs | 3,600.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 191.0000% | 343 |
| Efficiency ratio | 85.2167% | 948 |
| Assets per employee ($millions) | 4.8364% | 2,506 |
| Cash dividends to net income (ytd only)* | 47.4138% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 4,064 |
| Loan loss allowance to noncurrent loans | 73.4024% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 0.8490% | 2,473 |
| Noncurrent loans to loans | 1.4691% | 1,495 |
| Net loans and leases to total assets | 50.3812% | 4,818 |
| Net loans and leases to deposits | 56.6295% | 4,977 |
| Net loans and leases to core deposits | 56.9671% | 5,127 |
| Total domestic deposits to total assets | 88.9664% | 933 |
| Equity capital to assets | 10.8785% | 3,196 |
| Core capital (leverage) ratio | 10.4936% | 2,982 |
| Tier 1 risk-based capital ratio | 20.0759% | 1,447 |
| Total risk-based capital ratio | 21.1039% | 1,452 |
| Memoranda: | ||
| Average total assets | $77,770,330 | 4,865 |
| Average earning assets | $74,016,000 | 4,801 |
| Average equity | $8,351,330 | 4,958 |
| Average total loans | $39,916,330 | 4,973 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2088% | 5,474 |
| Cost of funding earning assets | 0.1726% | 5,445 |
| Net interest margin | 3.0362% | 5,030 |
| Noninterest income to average assets | 0.5028% | 3,096 |
| Noninterest expense to average assets | 2.8834% | 2,759 |
| Loan and lease loss provision to assets | 0.0923% | 2,140 |
| Net operating income to assets | 0.3181% | 5,248 |
| Return on assets (ROA) | 0.3181% | 5,332 |
| Pretax return on assets | 0.4156% | 5,274 |
| Return on Equity (ROE) | 2.9815% | 5,246 |
| Retained earnings to average equity (ytd only) | 2.9815% | 4,023 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0227% | 1,061 |
| Assets per employee ($millions) | 4.8736% | 2,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 4,521 |
| Loan loss allowance to noncurrent loans | 78.2692% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 0.7669% | 2,778 |
| Noncurrent loans to loans | 1.2970% | 1,861 |
| Net loans and leases to total assets | 50.8938% | 4,732 |
| Net loans and leases to deposits | 57.0923% | 4,913 |
| Net loans and leases to core deposits | 57.4277% | 5,077 |
| Total domestic deposits to total assets | 89.1431% | 1,023 |
| Equity capital to assets | 10.7376% | 3,213 |
| Core capital (leverage) ratio | 10.5134% | 2,947 |
| Tier 1 risk-based capital ratio | 20.7422% | 1,355 |
| Total risk-based capital ratio | 21.7559% | 1,383 |
| Memoranda: | ||
| Average total assets | $77,964,500 | 4,899 |
| Average earning assets | $74,172,000 | 4,846 |
| Average equity | $8,318,000 | 4,992 |
| Average total loans | $40,169,000 | 5,001 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1123% | 5,623 |
| Cost of funding earning assets | 0.1804% | 5,451 |
| Net interest margin | 2.9319% | 5,285 |
| Noninterest income to average assets | 0.3970% | 4,055 |
| Noninterest expense to average assets | 2.8003% | 3,228 |
| Loan and lease loss provision to assets | 0.0794% | 2,696 |
| Net operating income to assets | 0.2154% | 5,542 |
| Return on assets (ROA) | 0.2184% | 5,601 |
| Pretax return on assets | 0.2951% | 5,529 |
| Return on Equity (ROE) | 1.9945% | 5,572 |
| Retained earnings to average equity (ytd only) | 0.9187% | 5,155 |
| Net charge-offs to loans | 0.0184% | 3,909 |
| Credit loss provision to net charge-offs | 857.1429% | 396 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 1,182 |
| Efficiency ratio | 88.3139% | 813 |
| Assets per employee ($millions) | 4.8719% | 2,500 |
| Cash dividends to net income (ytd only)* | 53.9394% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 4,789 |
| Loan loss allowance to noncurrent loans | 56.0519% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 1.0584% | 2,069 |
| Noncurrent loans to loans | 1.7244% | 1,306 |
| Net loans and leases to total assets | 51.1296% | 4,763 |
| Net loans and leases to deposits | 57.2932% | 4,960 |
| Net loans and leases to core deposits | 57.6295% | 5,127 |
| Total domestic deposits to total assets | 89.2420% | 1,003 |
| Equity capital to assets | 10.6002% | 3,249 |
| Core capital (leverage) ratio | 10.8396% | 2,573 |
| Tier 1 risk-based capital ratio | 19.8118% | 1,513 |
| Total risk-based capital ratio | 20.7410% | 1,554 |
| Memoranda: | ||
| Average total assets | $75,562,400 | 4,956 |
| Average earning assets | $71,490,000 | 4,905 |
| Average equity | $8,272,600 | 5,013 |
| Average total loans | $37,986,600 | 5,089 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1073% | 5,700 |
| Cost of funding earning assets | 0.1843% | 5,508 |
| Net interest margin | 2.9229% | 5,367 |
| Noninterest income to average assets | 0.3913% | 4,146 |
| Noninterest expense to average assets | 2.7923% | 3,221 |
| Loan and lease loss provision to assets | 0.0800% | 2,568 |
| Net operating income to assets | 0.2095% | 5,658 |
| Return on assets (ROA) | 0.2134% | 5,715 |
| Pretax return on assets | 0.2881% | 5,660 |
| Return on Equity (ROE) | 1.9335% | 5,678 |
| Retained earnings to average equity (ytd only) | 1.9335% | 4,914 |
| Net charge-offs to loans | 0.0249% | 3,439 |
| Credit loss provision to net charge-offs | 642.8571% | 531 |
| Earnings coverage of net charge-offs (x) | 29.1522% | 1,530 |
| Efficiency ratio | 88.5006% | 801 |
| Assets per employee ($millions) | 4.7553% | 2,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9628% | 4,928 |
| Loan loss allowance to noncurrent loans | 78.2427% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 0.9095% | 2,595 |
| Noncurrent loans to loans | 1.2306% | 2,076 |
| Net loans and leases to total assets | 50.5619% | 4,887 |
| Net loans and leases to deposits | 56.9394% | 5,077 |
| Net loans and leases to core deposits | 57.2837% | 5,237 |
| Total domestic deposits to total assets | 88.7994% | 1,128 |
| Equity capital to assets | 10.9903% | 3,040 |
| Core capital (leverage) ratio | 10.9675% | 2,520 |
| Tier 1 risk-based capital ratio | 20.9948% | 1,340 |
| Total risk-based capital ratio | 21.9400% | 1,371 |
| Memoranda: | ||
| Average total assets | $74,965,250 | 5,029 |
| Average earning assets | $70,885,750 | 4,976 |
| Average equity | $8,275,000 | 5,076 |
| Average total loans | $37,422,000 | 5,164 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0659% | 5,781 |
| Cost of funding earning assets | 0.1847% | 5,575 |
| Net interest margin | 2.8812% | 5,475 |
| Noninterest income to average assets | 0.3995% | 4,083 |
| Noninterest expense to average assets | 2.7617% | 3,375 |
| Loan and lease loss provision to assets | 0.0804% | 2,502 |
| Net operating income to assets | 0.2065% | 5,679 |
| Return on assets (ROA) | 0.2065% | 5,746 |
| Pretax return on assets | 0.2762% | 5,696 |
| Return on Equity (ROE) | 1.8676% | 5,710 |
| Retained earnings to average equity (ytd only) | 1.8676% | 4,761 |
| Net charge-offs to loans | 0.0379% | 2,922 |
| Credit loss provision to net charge-offs | 428.5714% | 705 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,774 |
| Efficiency ratio | 88.5641% | 871 |
| Assets per employee ($millions) | 5.0073% | 2,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9599% | 5,060 |
| Loan loss allowance to noncurrent loans | 64.1071% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 1.0305% | 2,447 |
| Noncurrent loans to loans | 1.4974% | 1,776 |
| Net loans and leases to total assets | 49.3143% | 4,993 |
| Net loans and leases to deposits | 55.5506% | 5,152 |
| Net loans and leases to core deposits | 55.8909% | 5,316 |
| Total domestic deposits to total assets | 88.7738% | 1,257 |
| Equity capital to assets | 11.0371% | 2,849 |
| Core capital (leverage) ratio | 10.9740% | 2,451 |
| Tier 1 risk-based capital ratio | 23.5080% | 1,004 |
| Total risk-based capital ratio | 24.5273% | 1,024 |
| Memoranda: | ||
| Average total assets | $74,592,000 | 5,084 |
| Average earning assets | $70,387,330 | 5,031 |
| Average equity | $8,246,000 | 5,115 |
| Average total loans | $36,948,000 | 5,221 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0511% | 5,841 |
| Cost of funding earning assets | 0.1889% | 5,609 |
| Net interest margin | 2.8622% | 5,525 |
| Noninterest income to average assets | 0.4144% | 3,885 |
| Noninterest expense to average assets | 2.7928% | 3,276 |
| Loan and lease loss provision to assets | 0.0807% | 2,354 |
| Net operating income to assets | 0.1830% | 5,716 |
| Return on assets (ROA) | 0.1830% | 5,795 |
| Pretax return on assets | 0.2314% | 5,787 |
| Return on Equity (ROE) | 1.6537% | 5,769 |
| Retained earnings to average equity (ytd only) | 1.6537% | 4,812 |
| Net charge-offs to loans | 0.0762% | 1,942 |
| Credit loss provision to net charge-offs | 214.2857% | 1,001 |
| Earnings coverage of net charge-offs (x) | 8.2857% | 2,095 |
| Efficiency ratio | 89.9480% | 850 |
| Assets per employee ($millions) | 5.3777% | 1,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9322% | 5,325 |
| Loan loss allowance to noncurrent loans | 54.5166% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 1.1330% | 2,372 |
| Noncurrent loans to loans | 1.7099% | 1,602 |
| Net loans and leases to total assets | 48.5575% | 4,977 |
| Net loans and leases to deposits | 54.6490% | 5,147 |
| Net loans and leases to core deposits | 54.9819% | 5,317 |
| Total domestic deposits to total assets | 88.8535% | 1,361 |
| Equity capital to assets | 10.9778% | 2,994 |
| Core capital (leverage) ratio | 10.9162% | 2,498 |
| Tier 1 risk-based capital ratio | 23.2624% | 1,077 |
| Total risk-based capital ratio | 24.2335% | 1,087 |
| Memoranda: | ||
| Average total assets | $74,333,000 | 5,143 |
| Average earning assets | $69,875,500 | 5,091 |
| Average equity | $8,224,000 | 5,156 |
| Average total loans | $36,722,500 | 5,264 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1540% | 5,895 |
| Cost of funding earning assets | 0.2112% | 5,658 |
| Net interest margin | 2.9428% | 5,562 |
| Noninterest income to average assets | 0.3776% | 4,364 |
| Noninterest expense to average assets | 2.8615% | 3,259 |
| Loan and lease loss provision to assets | 0.0755% | 2,968 |
| Net operating income to assets | 0.1675% | 5,833 |
| Return on assets (ROA) | 0.1675% | 5,884 |
| Pretax return on assets | 0.2142% | 5,850 |
| Return on Equity (ROE) | 1.4917% | 5,896 |
| Retained earnings to average equity (ytd only) | 0.6480% | 5,472 |
| Net charge-offs to loans | 0.3073% | 1,436 |
| Credit loss provision to net charge-offs | 49.1071% | 3,502 |
| Earnings coverage of net charge-offs (x) | 1.8839% | 4,316 |
| Efficiency ratio | 90.8061% | 799 |
| Assets per employee ($millions) | 5.2413% | 2,026 |
| Cash dividends to net income (ytd only)* | 56.5574% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9195% | 5,406 |
| Loan loss allowance to noncurrent loans | 66.7992% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 0.9812% | 2,793 |
| Noncurrent loans to loans | 1.3765% | 2,128 |
| Net loans and leases to total assets | 49.3431% | 5,034 |
| Net loans and leases to deposits | 55.6731% | 5,200 |
| Net loans and leases to core deposits | 56.0220% | 5,384 |
| Total domestic deposits to total assets | 88.6301% | 1,454 |
| Equity capital to assets | 11.1518% | 2,746 |
| Core capital (leverage) ratio | 11.4256% | 2,040 |
| Tier 1 risk-based capital ratio | 21.8967% | 1,239 |
| Total risk-based capital ratio | 22.7933% | 1,276 |
| Memoranda: | ||
| Average total assets | $72,829,200 | 5,210 |
| Average earning assets | $68,642,800 | 5,158 |
| Average equity | $8,178,800 | 5,159 |
| Average total loans | $36,452,400 | 5,313 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1356% | 5,975 |
| Cost of funding earning assets | 0.2173% | 5,692 |
| Net interest margin | 2.9183% | 5,664 |
| Noninterest income to average assets | 0.3705% | 4,462 |
| Noninterest expense to average assets | 2.8356% | 3,330 |
| Loan and lease loss provision to assets | 0.0825% | 2,701 |
| Net operating income to assets | 0.1651% | 5,913 |
| Return on assets (ROA) | 0.1651% | 5,953 |
| Pretax return on assets | 0.2109% | 5,934 |
| Return on Equity (ROE) | 1.4674% | 5,957 |
| Retained earnings to average equity (ytd only) | 1.4674% | 5,312 |
| Net charge-offs to loans | 0.3440% | 1,167 |
| Credit loss provision to net charge-offs | 47.8723% | 3,142 |
| Earnings coverage of net charge-offs (x) | 1.7021% | 4,098 |
| Efficiency ratio | 90.6213% | 801 |
| Assets per employee ($millions) | 5.0668% | 2,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9278% | 5,509 |
| Loan loss allowance to noncurrent loans | 61.3596% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 0.9741% | 3,018 |
| Noncurrent loans to loans | 1.5120% | 2,147 |
| Net loans and leases to total assets | 51.6360% | 4,844 |
| Net loans and leases to deposits | 58.5907% | 5,057 |
| Net loans and leases to core deposits | 58.9728% | 5,266 |
| Total domestic deposits to total assets | 88.1300% | 1,702 |
| Equity capital to assets | 11.5994% | 2,394 |
| Core capital (leverage) ratio | 11.5547% | 2,019 |
| Tier 1 risk-based capital ratio | 21.8665% | 1,283 |
| Total risk-based capital ratio | 22.7763% | 1,316 |
| Memoranda: | ||
| Average total assets | $72,692,000 | 5,273 |
| Average earning assets | $68,714,000 | 5,216 |
| Average equity | $8,177,750 | 5,200 |
| Average total loans | $36,429,750 | 5,367 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1298% | 6,027 |
| Cost of funding earning assets | 0.2225% | 5,724 |
| Net interest margin | 2.9073% | 5,723 |
| Noninterest income to average assets | 0.3357% | 4,739 |
| Noninterest expense to average assets | 2.7703% | 3,610 |
| Loan and lease loss provision to assets | 0.0819% | 2,667 |
| Net operating income to assets | 0.1774% | 5,899 |
| Return on assets (ROA) | 0.1774% | 5,945 |
| Pretax return on assets | 0.2293% | 5,908 |
| Return on Equity (ROE) | 1.5929% | 5,931 |
| Retained earnings to average equity (ytd only) | 1.5929% | 5,104 |
| Net charge-offs to loans | 0.5076% | 800 |
| Credit loss provision to net charge-offs | 32.6087% | 3,021 |
| Earnings coverage of net charge-offs (x) | 1.2391% | 3,862 |
| Efficiency ratio | 89.9026% | 926 |
| Assets per employee ($millions) | 5.1219% | 2,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8962% | 5,732 |
| Loan loss allowance to noncurrent loans | 52.8754% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 1.0180% | 3,032 |
| Noncurrent loans to loans | 1.6949% | 2,048 |
| Net loans and leases to total assets | 51.0466% | 4,857 |
| Net loans and leases to deposits | 57.8052% | 5,060 |
| Net loans and leases to core deposits | 58.1773% | 5,261 |
| Total domestic deposits to total assets | 88.3080% | 1,731 |
| Equity capital to assets | 11.4466% | 2,467 |
| Core capital (leverage) ratio | 11.1400% | 2,301 |
| Tier 1 risk-based capital ratio | 21.2951% | 1,388 |
| Total risk-based capital ratio | 22.1528% | 1,441 |
| Memoranda: | ||
| Average total assets | $73,277,670 | 5,303 |
| Average earning assets | $69,205,000 | 5,233 |
| Average equity | $8,161,000 | 5,224 |
| Average total loans | $36,249,330 | 5,410 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0924% | 6,136 |
| Cost of funding earning assets | 0.2344% | 5,716 |
| Net interest margin | 2.8581% | 5,833 |
| Noninterest income to average assets | 0.3511% | 4,567 |
| Noninterest expense to average assets | 2.7058% | 3,915 |
| Loan and lease loss provision to assets | 0.0810% | 2,534 |
| Net operating income to assets | 0.2106% | 5,768 |
| Return on assets (ROA) | 0.2106% | 5,822 |
| Pretax return on assets | 0.2646% | 5,789 |
| Return on Equity (ROE) | 1.9171% | 5,804 |
| Retained earnings to average equity (ytd only) | 1.9171% | 4,825 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6726% | 1,160 |
| Assets per employee ($millions) | 5.2549% | 1,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 5,127 |
| Loan loss allowance to noncurrent loans | 41.7178% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 1.4707% | 2,409 |
| Noncurrent loans to loans | 2.6325% | 1,301 |
| Net loans and leases to total assets | 49.9443% | 4,919 |
| Net loans and leases to deposits | 56.2930% | 5,092 |
| Net loans and leases to core deposits | 56.2930% | 5,337 |
| Total domestic deposits to total assets | 88.7220% | 1,821 |
| Equity capital to assets | 11.0863% | 2,639 |
| Core capital (leverage) ratio | 10.8224% | 2,572 |
| Tier 1 risk-based capital ratio | 20.6879% | 1,538 |
| Total risk-based capital ratio | 21.7183% | 1,567 |
| Memoranda: | ||
| Average total assets | $74,063,000 | 5,338 |
| Average earning assets | $69,977,000 | 5,274 |
| Average equity | $8,137,500 | 5,250 |
| Average total loans | $35,906,500 | 5,466 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1766% | 6,163 |
| Cost of funding earning assets | 0.2812% | 5,755 |
| Net interest margin | 2.8954% | 5,793 |
| Noninterest income to average assets | 0.3343% | 4,943 |
| Noninterest expense to average assets | 2.7395% | 3,950 |
| Loan and lease loss provision to assets | 0.0866% | 3,375 |
| Net operating income to assets | 0.1918% | 5,844 |
| Return on assets (ROA) | 0.1918% | 5,909 |
| Pretax return on assets | 0.2504% | 5,848 |
| Return on Equity (ROE) | 1.7729% | 5,912 |
| Retained earnings to average equity (ytd only) | 0.9234% | 5,423 |
| Net charge-offs to loans | 0.2165% | 2,728 |
| Credit loss provision to net charge-offs | 85.5263% | 2,885 |
| Earnings coverage of net charge-offs (x) | 3.3289% | 3,888 |
| Efficiency ratio | 89.0476% | 1,104 |
| Assets per employee ($millions) | 5.3256% | 1,819 |
| Cash dividends to net income (ytd only)* | 47.9167% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1338% | 4,977 |
| Loan loss allowance to noncurrent loans | 63.9024% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 0.9657% | 3,485 |
| Noncurrent loans to loans | 1.7743% | 2,269 |
| Net loans and leases to total assets | 45.9629% | 5,489 |
| Net loans and leases to deposits | 51.7276% | 5,644 |
| Net loans and leases to core deposits | 51.7276% | 5,814 |
| Total domestic deposits to total assets | 88.8557% | 1,721 |
| Equity capital to assets | 10.8895% | 2,713 |
| Core capital (leverage) ratio | 11.1494% | 2,236 |
| Tier 1 risk-based capital ratio | 21.1972% | 1,388 |
| Total risk-based capital ratio | 22.2190% | 1,407 |
| Memoranda: | ||
| Average total assets | $75,086,800 | 5,347 |
| Average earning assets | $71,113,000 | 5,278 |
| Average equity | $8,122,400 | 5,304 |
| Average total loans | $35,101,800 | 5,534 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0754% | 6,343 |
| Cost of funding earning assets | 0.2935% | 5,779 |
| Net interest margin | 2.7819% | 6,047 |
| Noninterest income to average assets | 0.3456% | 4,925 |
| Noninterest expense to average assets | 2.7333% | 3,890 |
| Loan and lease loss provision to assets | 0.0709% | 3,648 |
| Net operating income to assets | 0.1436% | 6,046 |
| Return on assets (ROA) | 0.1436% | 6,116 |
| Pretax return on assets | 0.1790% | 6,076 |
| Return on Equity (ROE) | 1.3295% | 6,112 |
| Retained earnings to average equity (ytd only) | 1.3295% | 5,449 |
| Net charge-offs to loans | 0.0379% | 4,387 |
| Credit loss provision to net charge-offs | 400.0000% | 664 |
| Earnings coverage of net charge-offs (x) | 14.1035% | 1,970 |
| Efficiency ratio | 91.6221% | 877 |
| Assets per employee ($millions) | 5.2700% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 4,661 |
| Loan loss allowance to noncurrent loans | 48.7640% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 1.3486% | 2,941 |
| Noncurrent loans to loans | 2.5547% | 1,680 |
| Net loans and leases to total assets | 46.6305% | 5,479 |
| Net loans and leases to deposits | 52.5886% | 5,666 |
| Net loans and leases to core deposits | 52.5886% | 5,859 |
| Total domestic deposits to total assets | 88.6704% | 1,737 |
| Equity capital to assets | 11.0152% | 2,743 |
| Core capital (leverage) ratio | 11.0481% | 2,433 |
| Tier 1 risk-based capital ratio | 20.8164% | 1,529 |
| Total risk-based capital ratio | 21.9237% | 1,539 |
| Memoranda: | ||
| Average total assets | $75,219,000 | 5,400 |
| Average earning assets | $71,317,250 | 5,324 |
| Average equity | $8,123,250 | 5,362 |
| Average total loans | $35,211,750 | 5,578 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0888% | 6,350 |
| Cost of funding earning assets | 0.2983% | 5,841 |
| Net interest margin | 2.7906% | 6,024 |
| Noninterest income to average assets | 0.3488% | 4,900 |
| Noninterest expense to average assets | 2.7530% | 3,847 |
| Loan and lease loss provision to assets | 0.0661% | 3,708 |
| Net operating income to assets | 0.1400% | 6,042 |
| Return on assets (ROA) | 0.1400% | 6,149 |
| Pretax return on assets | 0.1744% | 6,118 |
| Return on Equity (ROE) | 1.3051% | 6,143 |
| Retained earnings to average equity (ytd only) | 1.3051% | 5,372 |
| Net charge-offs to loans | 0.0623% | 3,816 |
| Credit loss provision to net charge-offs | 227.2727% | 1,080 |
| Earnings coverage of net charge-offs (x) | 8.2727% | 2,427 |
| Efficiency ratio | 91.9682% | 895 |
| Assets per employee ($millions) | 5.3116% | 1,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2081% | 4,946 |
| Loan loss allowance to noncurrent loans | 48.4357% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 1.3017% | 3,171 |
| Noncurrent loans to loans | 2.4941% | 1,859 |
| Net loans and leases to total assets | 45.9678% | 5,535 |
| Net loans and leases to deposits | 51.7039% | 5,708 |
| Net loans and leases to core deposits | 51.7039% | 5,910 |
| Total domestic deposits to total assets | 88.9058% | 1,683 |
| Equity capital to assets | 10.8508% | 2,893 |
| Core capital (leverage) ratio | 10.7956% | 2,570 |
| Tier 1 risk-based capital ratio | 21.0440% | 1,478 |
| Total risk-based capital ratio | 22.1259% | 1,495 |
| Memoranda: | ||
| Average total assets | $75,698,670 | 5,421 |
| Average earning assets | $71,742,000 | 5,342 |
| Average equity | $8,122,000 | 5,401 |
| Average total loans | $35,336,330 | 5,607 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0578% | 6,447 |
| Cost of funding earning assets | 0.3152% | 5,839 |
| Net interest margin | 2.7427% | 6,140 |
| Noninterest income to average assets | 0.3824% | 4,602 |
| Noninterest expense to average assets | 2.7237% | 3,969 |
| Loan and lease loss provision to assets | 0.0786% | 3,327 |
| Net operating income to assets | 0.1467% | 6,052 |
| Return on assets (ROA) | 0.1467% | 6,148 |
| Pretax return on assets | 0.1781% | 6,116 |
| Return on Equity (ROE) | 1.3745% | 6,123 |
| Retained earnings to average equity (ytd only) | 1.3745% | 5,290 |
| Net charge-offs to loans | 0.1344% | 2,603 |
| Credit loss provision to net charge-offs | 125.0000% | 1,549 |
| Earnings coverage of net charge-offs (x) | 4.0833% | 2,617 |
| Efficiency ratio | 91.3884% | 1,035 |
| Assets per employee ($millions) | 4.7524% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 5,459 |
| Loan loss allowance to noncurrent loans | 41.6581% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 1.4374% | 3,103 |
| Noncurrent loans to loans | 2.7283% | 1,869 |
| Net loans and leases to total assets | 46.5596% | 5,381 |
| Net loans and leases to deposits | 52.2677% | 5,592 |
| Net loans and leases to core deposits | 52.2677% | 5,801 |
| Total domestic deposits to total assets | 89.0791% | 1,638 |
| Equity capital to assets | 10.7249% | 3,287 |
| Core capital (leverage) ratio | 10.3138% | 3,010 |
| Tier 1 risk-based capital ratio | 20.3270% | 1,692 |
| Total risk-based capital ratio | 21.3476% | 1,716 |
| Memoranda: | ||
| Average total assets | $76,366,500 | 5,453 |
| Average earning assets | $72,338,500 | 5,379 |
| Average equity | $8,148,500 | 5,447 |
| Average total loans | $35,704,000 | 5,630 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5649% | 6,276 |
| Cost of funding earning assets | 0.4010% | 5,916 |
| Net interest margin | 3.1639% | 5,658 |
| Noninterest income to average assets | 0.2886% | 5,402 |
| Noninterest expense to average assets | 2.9741% | 3,367 |
| Loan and lease loss provision to assets | 0.0967% | 4,441 |
| Net operating income to assets | 0.1505% | 5,893 |
| Return on assets (ROA) | 0.1505% | 6,053 |
| Pretax return on assets | 0.2030% | 5,985 |
| Return on Equity (ROE) | 1.3415% | 6,054 |
| Retained earnings to average equity (ytd only) | 0.6646% | 5,529 |
| Net charge-offs to loans | 0.1886% | 3,867 |
| Credit loss provision to net charge-offs | 98.5915% | 3,146 |
| Earnings coverage of net charge-offs (x) | 3.0563% | 3,907 |
| Efficiency ratio | 90.8477% | 1,000 |
| Assets per employee ($millions) | 4.5115% | 2,933 |
| Cash dividends to net income (ytd only)* | 50.4587% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 5,415 |
| Loan loss allowance to noncurrent loans | 39.6467% | 5,643 |
| Noncurrent assets plus other real estate owned to assets | 1.4668% | 3,184 |
| Noncurrent loans to loans | 2.8625% | 1,833 |
| Net loans and leases to total assets | 45.8883% | 5,627 |
| Net loans and leases to deposits | 51.4758% | 5,850 |
| Net loans and leases to core deposits | 51.4758% | 6,053 |
| Total domestic deposits to total assets | 89.1453% | 1,475 |
| Equity capital to assets | 10.6161% | 3,382 |
| Core capital (leverage) ratio | 11.0447% | 2,218 |
| Tier 1 risk-based capital ratio | 20.5010% | 1,562 |
| Total risk-based capital ratio | 21.5263% | 1,580 |
| Memoranda: | ||
| Average total assets | $72,424,200 | 5,568 |
| Average earning assets | $68,332,400 | 5,486 |
| Average equity | $8,125,400 | 5,464 |
| Average total loans | $37,641,000 | 5,605 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6737% | 6,270 |
| Cost of funding earning assets | 0.4236% | 5,964 |
| Net interest margin | 3.2501% | 5,543 |
| Noninterest income to average assets | 0.2934% | 5,425 |
| Noninterest expense to average assets | 2.9990% | 3,240 |
| Loan and lease loss provision to assets | 0.1214% | 4,037 |
| Net operating income to assets | 0.1756% | 5,976 |
| Return on assets (ROA) | 0.1756% | 6,130 |
| Pretax return on assets | 0.2410% | 6,065 |
| Return on Equity (ROE) | 1.5432% | 6,143 |
| Retained earnings to average equity (ytd only) | 1.5432% | 5,561 |
| Net charge-offs to loans | 0.2481% | 3,232 |
| Credit loss provision to net charge-offs | 91.5493% | 3,250 |
| Earnings coverage of net charge-offs (x) | 2.7325% | 3,942 |
| Efficiency ratio | 89.2162% | 1,095 |
| Assets per employee ($millions) | 4.2088% | 3,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0488% | 5,898 |
| Loan loss allowance to noncurrent loans | 46.3415% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 1.4088% | 3,491 |
| Noncurrent loans to loans | 2.2633% | 2,542 |
| Net loans and leases to total assets | 52.6108% | 4,965 |
| Net loans and leases to deposits | 59.6400% | 5,247 |
| Net loans and leases to core deposits | 59.6400% | 5,598 |
| Total domestic deposits to total assets | 88.2138% | 1,907 |
| Equity capital to assets | 11.4563% | 2,795 |
| Core capital (leverage) ratio | 11.1603% | 2,248 |
| Tier 1 risk-based capital ratio | 20.4515% | 1,643 |
| Total risk-based capital ratio | 21.4566% | 1,673 |
| Memoranda: | ||
| Average total assets | $71,356,500 | 5,655 |
| Average earning assets | $67,360,750 | 5,569 |
| Average equity | $8,121,250 | 5,519 |
| Average total loans | $38,151,750 | 5,648 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7380% | 6,277 |
| Cost of funding earning assets | 0.4431% | 6,013 |
| Net interest margin | 3.2949% | 5,449 |
| Noninterest income to average assets | 0.2833% | 5,546 |
| Noninterest expense to average assets | 3.0102% | 3,224 |
| Loan and lease loss provision to assets | 0.1375% | 3,803 |
| Net operating income to assets | 0.1795% | 5,980 |
| Return on assets (ROA) | 0.1795% | 6,152 |
| Pretax return on assets | 0.2441% | 6,068 |
| Return on Equity (ROE) | 1.5810% | 6,172 |
| Retained earnings to average equity (ytd only) | 1.5810% | 5,417 |
| Net charge-offs to loans | 0.3352% | 2,680 |
| Credit loss provision to net charge-offs | 76.5625% | 3,416 |
| Earnings coverage of net charge-offs (x) | 2.1250% | 3,926 |
| Efficiency ratio | 88.7510% | 1,171 |
| Assets per employee ($millions) | 4.1564% | 3,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0510% | 5,953 |
| Loan loss allowance to noncurrent loans | 43.0464% | 5,500 |
| Noncurrent assets plus other real estate owned to assets | 1.3754% | 3,679 |
| Noncurrent loans to loans | 2.4417% | 2,460 |
| Net loans and leases to total assets | 49.0757% | 5,475 |
| Net loans and leases to deposits | 55.2869% | 5,732 |
| Net loans and leases to core deposits | 55.2869% | 6,000 |
| Total domestic deposits to total assets | 88.7656% | 1,664 |
| Equity capital to assets | 10.9149% | 3,211 |
| Core capital (leverage) ratio | 10.8373% | 2,448 |
| Tier 1 risk-based capital ratio | 20.7816% | 1,526 |
| Total risk-based capital ratio | 21.7837% | 1,549 |
| Memoranda: | ||
| Average total assets | $71,292,000 | 5,691 |
| Average earning assets | $67,254,670 | 5,611 |
| Average equity | $8,096,000 | 5,537 |
| Average total loans | $38,188,330 | 5,679 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8075% | 6,226 |
| Cost of funding earning assets | 0.4706% | 6,011 |
| Net interest margin | 3.3369% | 5,343 |
| Noninterest income to average assets | 0.2704% | 5,714 |
| Noninterest expense to average assets | 3.0893% | 2,950 |
| Loan and lease loss provision to assets | 0.1783% | 3,183 |
| Net operating income to assets | 0.1208% | 6,191 |
| Return on assets (ROA) | 0.1208% | 6,320 |
| Pretax return on assets | 0.1438% | 6,310 |
| Return on Equity (ROE) | 1.0421% | 6,338 |
| Retained earnings to average equity (ytd only) | 1.0421% | 5,657 |
| Net charge-offs to loans | 0.6403% | 1,525 |
| Credit loss provision to net charge-offs | 50.0000% | 3,277 |
| Earnings coverage of net charge-offs (x) | 0.9032% | 3,876 |
| Efficiency ratio | 90.5565% | 1,046 |
| Assets per employee ($millions) | 3.9069% | 4,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 6,380 |
| Loan loss allowance to noncurrent loans | 37.5125% | 5,765 |
| Noncurrent assets plus other real estate owned to assets | 1.6196% | 3,419 |
| Noncurrent loans to loans | 2.5676% | 2,538 |
| Net loans and leases to total assets | 54.6833% | 4,604 |
| Net loans and leases to deposits | 61.9399% | 4,926 |
| Net loans and leases to core deposits | 61.9399% | 5,335 |
| Total domestic deposits to total assets | 88.2844% | 2,141 |
| Equity capital to assets | 11.4668% | 2,466 |
| Core capital (leverage) ratio | 11.3941% | 1,966 |
| Tier 1 risk-based capital ratio | 20.3547% | 1,630 |
| Total risk-based capital ratio | 21.3010% | 1,672 |
| Memoranda: | ||
| Average total assets | $69,530,500 | 5,790 |
| Average earning assets | $65,450,500 | 5,705 |
| Average equity | $8,061,000 | 5,578 |
| Average total loans | $38,729,500 | 5,697 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0521% | 6,360 |
| Cost of funding earning assets | 0.6268% | 5,946 |
| Net interest margin | 3.4253% | 5,403 |
| Noninterest income to average assets | 0.2939% | 5,429 |
| Noninterest expense to average assets | 3.2387% | 2,733 |
| Loan and lease loss provision to assets | 0.0965% | 5,383 |
| Net operating income to assets | 0.1276% | 5,797 |
| Return on assets (ROA) | 0.1276% | 5,926 |
| Pretax return on assets | 0.1544% | 5,879 |
| Return on Equity (ROE) | 1.0672% | 5,951 |
| Retained earnings to average equity (ytd only) | 0.3847% | 5,658 |
| Net charge-offs to loans | 0.3490% | 3,654 |
| Credit loss provision to net charge-offs | 47.1014% | 5,488 |
| Earnings coverage of net charge-offs (x) | 1.2246% | 4,860 |
| Efficiency ratio | 92.8116% | 995 |
| Assets per employee ($millions) | 4.0433% | 3,756 |
| Cash dividends to net income (ytd only)* | 63.9535% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 6,005 |
| Loan loss allowance to noncurrent loans | 36.5194% | 5,807 |
| Noncurrent assets plus other real estate owned to assets | 1.9786% | 2,998 |
| Noncurrent loans to loans | 2.8709% | 2,277 |
| Net loans and leases to total assets | 55.6099% | 4,777 |
| Net loans and leases to deposits | 63.3498% | 5,083 |
| Net loans and leases to core deposits | 63.3498% | 5,532 |
| Total domestic deposits to total assets | 87.7822% | 2,289 |
| Equity capital to assets | 11.7231% | 2,321 |
| Core capital (leverage) ratio | 11.8078% | 1,705 |
| Tier 1 risk-based capital ratio | 20.3083% | 1,566 |
| Total risk-based capital ratio | 21.3333% | 1,591 |
| Memoranda: | ||
| Average total assets | $67,372,000 | 5,824 |
| Average earning assets | $62,855,600 | 5,777 |
| Average equity | $8,058,200 | 5,555 |
| Average total loans | $39,538,400 | 5,715 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0894% | 6,436 |
| Cost of funding earning assets | 0.6552% | 6,010 |
| Net interest margin | 3.4342% | 5,446 |
| Noninterest income to average assets | 0.3023% | 5,446 |
| Noninterest expense to average assets | 3.3337% | 2,389 |
| Loan and lease loss provision to assets | 0.0696% | 5,587 |
| Net operating income to assets | 0.0895% | 5,989 |
| Return on assets (ROA) | 0.0895% | 6,102 |
| Pretax return on assets | 0.0995% | 6,094 |
| Return on Equity (ROE) | 0.7446% | 6,114 |
| Retained earnings to average equity (ytd only) | 0.7446% | 5,713 |
| Net charge-offs to loans | 0.1877% | 4,298 |
| Credit loss provision to net charge-offs | 62.5000% | 4,726 |
| Earnings coverage of net charge-offs (x) | 1.5179% | 4,498 |
| Efficiency ratio | 95.1732% | 858 |
| Assets per employee ($millions) | 3.9236% | 4,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 5,724 |
| Loan loss allowance to noncurrent loans | 37.2150% | 5,803 |
| Noncurrent assets plus other real estate owned to assets | 2.1769% | 2,931 |
| Noncurrent loans to loans | 3.0666% | 2,261 |
| Net loans and leases to total assets | 59.3499% | 4,261 |
| Net loans and leases to deposits | 68.0985% | 4,589 |
| Net loans and leases to core deposits | 68.0985% | 5,166 |
| Total domestic deposits to total assets | 87.1531% | 2,549 |
| Equity capital to assets | 12.1662% | 2,133 |
| Core capital (leverage) ratio | 12.1180% | 1,639 |
| Tier 1 risk-based capital ratio | 20.2168% | 1,635 |
| Total risk-based capital ratio | 21.3662% | 1,626 |
| Memoranda: | ||
| Average total assets | $67,031,000 | 5,873 |
| Average earning assets | $62,469,000 | 5,823 |
| Average equity | $8,058,250 | 5,580 |
| Average total loans | $39,765,750 | 5,757 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1139% | 6,463 |
| Cost of funding earning assets | 0.6814% | 6,064 |
| Net interest margin | 3.4325% | 5,432 |
| Noninterest income to average assets | 0.3485% | 5,095 |
| Noninterest expense to average assets | 3.3452% | 2,418 |
| Loan and lease loss provision to assets | 0.0894% | 5,201 |
| Net operating income to assets | 0.0983% | 6,024 |
| Return on assets (ROA) | 0.0983% | 6,102 |
| Pretax return on assets | 0.1102% | 6,089 |
| Return on Equity (ROE) | 0.8210% | 6,124 |
| Retained earnings to average equity (ytd only) | 0.8210% | 5,535 |
| Net charge-offs to loans | 0.1109% | 4,587 |
| Credit loss provision to net charge-offs | 136.3636% | 2,237 |
| Earnings coverage of net charge-offs (x) | 3.0455% | 3,331 |
| Efficiency ratio | 94.3697% | 954 |
| Assets per employee ($millions) | 3.4679% | 5,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 5,398 |
| Loan loss allowance to noncurrent loans | 33.5404% | 6,069 |
| Noncurrent assets plus other real estate owned to assets | 2.8851% | 2,329 |
| Noncurrent loans to loans | 3.6802% | 1,908 |
| Net loans and leases to total assets | 59.0172% | 4,466 |
| Net loans and leases to deposits | 67.7899% | 4,740 |
| Net loans and leases to core deposits | 67.7899% | 5,312 |
| Total domestic deposits to total assets | 87.0589% | 2,708 |
| Equity capital to assets | 12.2763% | 1,920 |
| Core capital (leverage) ratio | 11.8088% | 1,717 |
| Tier 1 risk-based capital ratio | 20.6058% | 1,494 |
| Total risk-based capital ratio | 21.8534% | 1,471 |
| Memoranda: | ||
| Average total assets | $67,141,000 | 5,920 |
| Average earning assets | $62,519,330 | 5,875 |
| Average equity | $8,039,330 | 5,601 |
| Average total loans | $39,673,000 | 5,812 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1292% | 6,442 |
| Cost of funding earning assets | 0.7051% | 6,099 |
| Net interest margin | 3.4241% | 5,327 |
| Noninterest income to average assets | 0.3542% | 5,065 |
| Noninterest expense to average assets | 3.3527% | 2,400 |
| Loan and lease loss provision to assets | 0.0885% | 4,905 |
| Net operating income to assets | 0.1003% | 6,095 |
| Return on assets (ROA) | 0.1003% | 6,148 |
| Pretax return on assets | 0.0944% | 6,179 |
| Return on Equity (ROE) | 0.8485% | 6,179 |
| Retained earnings to average equity (ytd only) | 0.8485% | 5,489 |
| Net charge-offs to loans | 0.1004% | 3,944 |
| Credit loss provision to net charge-offs | 150.0000% | 1,901 |
| Earnings coverage of net charge-offs (x) | 3.1000% | 2,855 |
| Efficiency ratio | 94.8247% | 992 |
| Assets per employee ($millions) | 3.3775% | 5,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 5,667 |
| Loan loss allowance to noncurrent loans | 33.6827% | 6,052 |
| Noncurrent assets plus other real estate owned to assets | 2.6410% | 2,606 |
| Noncurrent loans to loans | 3.5466% | 2,100 |
| Net loans and leases to total assets | 59.0194% | 4,459 |
| Net loans and leases to deposits | 67.4637% | 4,751 |
| Net loans and leases to core deposits | 67.4637% | 5,364 |
| Total domestic deposits to total assets | 87.4832% | 2,670 |
| Equity capital to assets | 11.8729% | 1,997 |
| Core capital (leverage) ratio | 11.8934% | 1,621 |
| Tier 1 risk-based capital ratio | 19.9061% | 1,604 |
| Total risk-based capital ratio | 21.1039% | 1,588 |
| Memoranda: | ||
| Average total assets | $67,766,000 | 5,938 |
| Average earning assets | $62,965,500 | 5,896 |
| Average equity | $8,014,500 | 5,599 |
| Average total loans | $39,823,000 | 5,858 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4618% | 6,489 |
| Cost of funding earning assets | 0.8759% | 6,264 |
| Net interest margin | 3.5859% | 4,886 |
| Noninterest income to average assets | 0.1596% | 6,577 |
| Noninterest expense to average assets | 3.3399% | 2,607 |
| Loan and lease loss provision to assets | 0.2078% | 5,169 |
| Net operating income to assets | 0.0089% | 5,815 |
| Return on assets (ROA) | 0.0166% | 5,921 |
| Pretax return on assets | -0.0286% | 5,930 |
| Return on Equity (ROE) | 0.1369% | 5,928 |
| Retained earnings to average equity (ytd only) | 0.1369% | 5,515 |
| Net charge-offs to loans | 0.4250% | 3,921 |
| Credit loss provision to net charge-offs | 80.7018% | 5,537 |
| Earnings coverage of net charge-offs (x) | 0.6491% | 5,461 |
| Efficiency ratio | 95.2340% | 999 |
| Assets per employee ($millions) | 3.3992% | 5,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 5,433 |
| Loan loss allowance to noncurrent loans | 40.0335% | 5,638 |
| Noncurrent assets plus other real estate owned to assets | 2.2756% | 2,996 |
| Noncurrent loans to loans | 3.0384% | 2,512 |
| Net loans and leases to total assets | 57.1010% | 5,171 |
| Net loans and leases to deposits | 65.1577% | 5,500 |
| Net loans and leases to core deposits | 65.1577% | 5,955 |
| Total domestic deposits to total assets | 87.6351% | 2,458 |
| Equity capital to assets | 11.7809% | 2,052 |
| Core capital (leverage) ratio | 12.0006% | 1,549 |
| Tier 1 risk-based capital ratio | 19.9760% | 1,491 |
| Total risk-based capital ratio | 21.1706% | 1,472 |
| Memoranda: | ||
| Average total assets | $66,409,600 | 5,983 |
| Average earning assets | $61,993,000 | 5,921 |
| Average equity | $8,034,600 | 5,705 |
| Average total loans | $40,239,800 | 5,914 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5257% | 6,543 |
| Cost of funding earning assets | 0.9116% | 6,352 |
| Net interest margin | 3.6141% | 4,810 |
| Noninterest income to average assets | 0.1091% | 7,004 |
| Noninterest expense to average assets | 3.3466% | 2,441 |
| Loan and lease loss provision to assets | 0.2787% | 4,348 |
| Net operating income to assets | -0.0427% | 6,086 |
| Return on assets (ROA) | -0.0323% | 6,183 |
| Pretax return on assets | -0.1212% | 6,247 |
| Return on Equity (ROE) | -0.2653% | 6,180 |
| Retained earnings to average equity (ytd only) | -0.2653% | 5,850 |
| Net charge-offs to loans | 0.1285% | 5,266 |
| Credit loss provision to net charge-offs | 353.8462% | 883 |
| Earnings coverage of net charge-offs (x) | 1.7948% | 4,367 |
| Efficiency ratio | 95.9467% | 901 |
| Assets per employee ($millions) | 3.2972% | 5,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4744% | 4,079 |
| Loan loss allowance to noncurrent loans | 59.6869% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 1.8774% | 3,639 |
| Noncurrent loans to loans | 2.4703% | 3,157 |
| Net loans and leases to total assets | 61.8140% | 4,570 |
| Net loans and leases to deposits | 70.8288% | 5,031 |
| Net loans and leases to core deposits | 70.8288% | 5,664 |
| Total domestic deposits to total assets | 87.2723% | 2,387 |
| Equity capital to assets | 12.1423% | 2,063 |
| Core capital (leverage) ratio | 12.0673% | 1,635 |
| Tier 1 risk-based capital ratio | 19.4255% | 1,658 |
| Total risk-based capital ratio | 20.6789% | 1,630 |
| Memoranda: | ||
| Average total assets | $66,016,250 | 6,066 |
| Average earning assets | $61,720,000 | 5,997 |
| Average equity | $8,041,000 | 5,774 |
| Average total loans | $40,475,500 | 5,986 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5503% | 6,591 |
| Cost of funding earning assets | 0.9360% | 6,437 |
| Net interest margin | 3.6143% | 4,760 |
| Noninterest income to average assets | -0.0091% | 7,549 |
| Noninterest expense to average assets | 3.3525% | 2,402 |
| Loan and lease loss provision to assets | 0.0545% | 6,412 |
| Net operating income to assets | 0.0239% | 6,047 |
| Return on assets (ROA) | 0.0394% | 6,111 |
| Pretax return on assets | -0.0121% | 6,166 |
| Return on Equity (ROE) | 0.3229% | 6,126 |
| Retained earnings to average equity (ytd only) | 0.3229% | 5,630 |
| Net charge-offs to loans | -0.0299% | 7,347 |
| Credit loss provision to net charge-offs | -300.0000% | 6,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4609% | 822 |
| Assets per employee ($millions) | 3.2586% | 5,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3331% | 4,755 |
| Loan loss allowance to noncurrent loans | 62.1089% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 1.4393% | 4,309 |
| Noncurrent loans to loans | 2.1463% | 3,532 |
| Net loans and leases to total assets | 60.8737% | 4,891 |
| Net loans and leases to deposits | 69.9411% | 5,285 |
| Net loans and leases to core deposits | 69.9411% | 5,874 |
| Total domestic deposits to total assets | 87.0356% | 2,509 |
| Equity capital to assets | 12.3245% | 1,913 |
| Core capital (leverage) ratio | 12.1067% | 1,585 |
| Tier 1 risk-based capital ratio | 20.4523% | 1,440 |
| Total risk-based capital ratio | 21.7032% | 1,406 |
| Memoranda: | ||
| Average total assets | $66,040,670 | 6,104 |
| Average earning assets | $61,754,670 | 6,033 |
| Average equity | $8,052,330 | 5,781 |
| Average total loans | $40,176,670 | 6,041 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6395% | 6,442 |
| Cost of funding earning assets | 0.9434% | 6,603 |
| Net interest margin | 3.6961% | 4,265 |
| Noninterest income to average assets | 0.3731% | 5,157 |
| Noninterest expense to average assets | 3.3576% | 2,354 |
| Loan and lease loss provision to assets | 0.1083% | 5,541 |
| Net operating income to assets | 0.2862% | 5,348 |
| Return on assets (ROA) | 0.2467% | 5,628 |
| Pretax return on assets | 0.3009% | 5,599 |
| Return on Equity (ROE) | 2.0341% | 5,749 |
| Retained earnings to average equity (ytd only) | 2.0341% | 4,911 |
| Net charge-offs to loans | -0.1892% | 7,661 |
| Credit loss provision to net charge-offs | -94.7368% | 6,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0126% | 1,583 |
| Assets per employee ($millions) | 3.2329% | 5,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3613% | 4,620 |
| Loan loss allowance to noncurrent loans | 60.9566% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 2.1328% | 3,345 |
| Noncurrent loans to loans | 2.2332% | 3,480 |
| Net loans and leases to total assets | 61.4124% | 4,870 |
| Net loans and leases to deposits | 70.6322% | 5,247 |
| Net loans and leases to core deposits | 70.6322% | 5,858 |
| Total domestic deposits to total assets | 86.9467% | 2,658 |
| Equity capital to assets | 12.4780% | 1,772 |
| Core capital (leverage) ratio | 12.0011% | 1,651 |
| Tier 1 risk-based capital ratio | 19.9443% | 1,535 |
| Total risk-based capital ratio | 21.1947% | 1,503 |
| Memoranda: | ||
| Average total assets | $66,475,500 | 6,152 |
| Average earning assets | $61,903,000 | 6,091 |
| Average equity | $8,062,500 | 5,823 |
| Average total loans | $40,161,000 | 6,116 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9300% | 6,636 |
| Cost of funding earning assets | 1.2381% | 6,514 |
| Net interest margin | 3.6918% | 4,179 |
| Noninterest income to average assets | 0.3392% | 5,664 |
| Noninterest expense to average assets | 3.4509% | 2,526 |
| Loan and lease loss provision to assets | 0.1902% | 5,819 |
| Net operating income to assets | 0.0662% | 5,303 |
| Return on assets (ROA) | 0.1046% | 5,247 |
| Pretax return on assets | 0.1078% | 5,205 |
| Return on Equity (ROE) | 0.8265% | 5,285 |
| Retained earnings to average equity (ytd only) | 0.8265% | 4,439 |
| Net charge-offs to loans | 0.2874% | 4,837 |
| Credit loss provision to net charge-offs | 105.2632% | 5,260 |
| Earnings coverage of net charge-offs (x) | 1.4298% | 4,693 |
| Efficiency ratio | 93.0342% | 1,481 |
| Assets per employee ($millions) | 3.4147% | 5,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 4,905 |
| Loan loss allowance to noncurrent loans | 53.6201% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 2.0983% | 3,279 |
| Noncurrent loans to loans | 2.3786% | 3,192 |
| Net loans and leases to total assets | 57.9196% | 5,674 |
| Net loans and leases to deposits | 66.1787% | 6,024 |
| Net loans and leases to core deposits | 69.5925% | 6,799 |
| Total domestic deposits to total assets | 87.5200% | 2,206 |
| Equity capital to assets | 11.7977% | 2,140 |
| Core capital (leverage) ratio | 12.4746% | 1,468 |
| Tier 1 risk-based capital ratio | 19.7379% | 1,507 |
| Total risk-based capital ratio | 20.9891% | 1,474 |
| Memoranda: | ||
| Average total assets | $63,084,600 | 6,237 |
| Average earning assets | $57,586,400 | 6,231 |
| Average equity | $7,985,000 | 5,932 |
| Average total loans | $39,670,200 | 6,128 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0756% | 6,357 |
| Cost of funding earning assets | 1.3194% | 6,493 |
| Net interest margin | 3.7562% | 3,833 |
| Noninterest income to average assets | 0.3388% | 5,782 |
| Noninterest expense to average assets | 3.5306% | 2,197 |
| Loan and lease loss provision to assets | 0.2072% | 5,325 |
| Net operating income to assets | 0.0388% | 5,631 |
| Return on assets (ROA) | 0.0928% | 5,541 |
| Pretax return on assets | 0.0647% | 5,592 |
| Return on Equity (ROE) | 0.7196% | 5,575 |
| Retained earnings to average equity (ytd only) | 0.7196% | 4,884 |
| Net charge-offs to loans | 0.2493% | 4,491 |
| Credit loss provision to net charge-offs | 129.7297% | 3,862 |
| Earnings coverage of net charge-offs (x) | 1.3649% | 4,762 |
| Efficiency ratio | 94.1854% | 1,385 |
| Assets per employee ($millions) | 3.0641% | 6,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 4,252 |
| Loan loss allowance to noncurrent loans | 54.5549% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 2.3596% | 2,918 |
| Noncurrent loans to loans | 2.4606% | 3,059 |
| Net loans and leases to total assets | 63.2029% | 5,040 |
| Net loans and leases to deposits | 73.5651% | 5,432 |
| Net loans and leases to core deposits | 77.5446% | 6,522 |
| Total domestic deposits to total assets | 85.9143% | 2,738 |
| Equity capital to assets | 13.0691% | 1,671 |
| Core capital (leverage) ratio | 12.8061% | 1,444 |
| Tier 1 risk-based capital ratio | 20.9646% | 1,367 |
| Total risk-based capital ratio | 22.2158% | 1,350 |
| Memoranda: | ||
| Average total assets | $61,782,500 | 6,318 |
| Average earning assets | $56,084,000 | 6,330 |
| Average equity | $7,967,000 | 5,990 |
| Average total loans | $39,571,250 | 6,179 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1978% | 6,085 |
| Cost of funding earning assets | 1.3830% | 6,540 |
| Net interest margin | 3.8148% | 3,487 |
| Noninterest income to average assets | 0.3293% | 5,874 |
| Noninterest expense to average assets | 3.5481% | 2,201 |
| Loan and lease loss provision to assets | 0.2776% | 4,359 |
| Net operating income to assets | -0.0258% | 5,890 |
| Return on assets (ROA) | 0.0549% | 5,788 |
| Pretax return on assets | 0.0129% | 5,836 |
| Return on Equity (ROE) | 0.4275% | 5,803 |
| Retained earnings to average equity (ytd only) | 0.4275% | 5,045 |
| Net charge-offs to loans | 0.2168% | 4,147 |
| Credit loss provision to net charge-offs | 200.0000% | 2,268 |
| Earnings coverage of net charge-offs (x) | 1.5116% | 4,401 |
| Efficiency ratio | 94.4158% | 1,471 |
| Assets per employee ($millions) | 3.0742% | 5,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3647% | 3,911 |
| Loan loss allowance to noncurrent loans | 80.0000% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 1.8542% | 3,396 |
| Noncurrent loans to loans | 1.7059% | 3,951 |
| Net loans and leases to total assets | 64.4194% | 4,893 |
| Net loans and leases to deposits | 74.9607% | 5,330 |
| Net loans and leases to core deposits | 79.1776% | 6,473 |
| Total domestic deposits to total assets | 85.9376% | 2,827 |
| Equity capital to assets | 12.9743% | 1,704 |
| Core capital (leverage) ratio | 12.8310% | 1,488 |
| Tier 1 risk-based capital ratio | 20.5204% | 1,481 |
| Total risk-based capital ratio | 21.7724% | 1,442 |
| Memoranda: | ||
| Average total assets | $61,949,330 | 6,373 |
| Average earning assets | $55,677,670 | 6,406 |
| Average equity | $7,953,000 | 6,036 |
| Average total loans | $39,675,330 | 6,215 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3987% | 5,435 |
| Cost of funding earning assets | 1.4510% | 6,571 |
| Net interest margin | 3.9477% | 2,858 |
| Noninterest income to average assets | 0.3860% | 5,330 |
| Noninterest expense to average assets | 3.5122% | 2,067 |
| Loan and lease loss provision to assets | 1.1965% | 1,084 |
| Net operating income to assets | -0.4246% | 6,805 |
| Return on assets (ROA) | -0.3216% | 6,780 |
| Pretax return on assets | -0.5918% | 6,897 |
| Return on Equity (ROE) | -2.5186% | 6,727 |
| Retained earnings to average equity (ytd only) | -2.5186% | 6,197 |
| Net charge-offs to loans | 0.0507% | 4,761 |
| Credit loss provision to net charge-offs | 3,720.0000% | 192 |
| Earnings coverage of net charge-offs (x) | 13.8000% | 1,718 |
| Efficiency ratio | 88.7805% | 1,826 |
| Assets per employee ($millions) | 2.9082% | 6,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7028% | 2,140 |
| Loan loss allowance to noncurrent loans | 90.5013% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 1.9862% | 2,923 |
| Noncurrent loans to loans | 1.8815% | 3,437 |
| Net loans and leases to total assets | 64.8431% | 4,832 |
| Net loans and leases to deposits | 75.5744% | 5,281 |
| Net loans and leases to core deposits | 79.1624% | 6,447 |
| Total domestic deposits to total assets | 85.8004% | 2,825 |
| Equity capital to assets | 12.9667% | 1,757 |
| Core capital (leverage) ratio | 12.7037% | 1,600 |
| Tier 1 risk-based capital ratio | 20.3735% | 1,551 |
| Total risk-based capital ratio | 21.6297% | 1,516 |
| Memoranda: | ||
| Average total assets | $62,182,500 | 6,393 |
| Average earning assets | $56,235,500 | 6,404 |
| Average equity | $7,941,000 | 6,081 |
| Average total loans | $39,435,500 | 6,259 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6724% | 6,859 |
| Cost of funding earning assets | 2.0277% | 6,324 |
| Net interest margin | 3.6447% | 4,700 |
| Noninterest income to average assets | 0.5894% | 3,927 |
| Noninterest expense to average assets | 3.4038% | 2,667 |
| Loan and lease loss provision to assets | 0.0016% | 7,326 |
| Net operating income to assets | 0.3782% | 5,237 |
| Return on assets (ROA) | 0.3782% | 5,050 |
| Pretax return on assets | 0.5405% | 4,880 |
| Return on Equity (ROE) | 3.0065% | 5,234 |
| Retained earnings to average equity (ytd only) | 0.5888% | 4,888 |
| Net charge-offs to loans | 1.4507% | 802 |
| Credit loss provision to net charge-offs | 0.1637% | 6,651 |
| Earnings coverage of net charge-offs (x) | 0.5630% | 5,890 |
| Efficiency ratio | 86.2620% | 1,829 |
| Assets per employee ($millions) | 3.0140% | 6,026 |
| Cash dividends to net income (ytd only)* | 80.4167% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3088% | 3,714 |
| Loan loss allowance to noncurrent loans | 72.0399% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 2.2499% | 2,162 |
| Noncurrent loans to loans | 1.8168% | 3,036 |
| Net loans and leases to total assets | 60.1631% | 5,888 |
| Net loans and leases to deposits | 69.7839% | 6,294 |
| Net loans and leases to core deposits | 73.5158% | 6,991 |
| Total domestic deposits to total assets | 86.2133% | 2,307 |
| Equity capital to assets | 12.5812% | 1,975 |
| Core capital (leverage) ratio | 12.7505% | 1,642 |
| Tier 1 risk-based capital ratio | 20.5238% | 1,532 |
| Total risk-based capital ratio | 21.7736% | 1,495 |
| Memoranda: | ||
| Average total assets | $63,458,600 | 6,251 |
| Average earning assets | $58,440,600 | 6,242 |
| Average equity | $7,982,800 | 6,091 |
| Average total loans | $42,119,000 | 6,069 |