Home > Twin Lakes Community Bank > Performance and Condition Ratios
Twin Lakes Community 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 | 6.1348% | 106 |
| Cost of funding earning assets | 0.6201% | 1,209 |
| Net interest margin | 5.5147% | 107 |
| Noninterest income to average assets | 0.5557% | 2,884 |
| Noninterest expense to average assets | 3.2489% | 1,688 |
| Loan and lease loss provision to assets | 0.6642% | 195 |
| Net operating income to assets | 1.1737% | 1,593 |
| Return on assets (ROA) | 1.1737% | 1,690 |
| Pretax return on assets | 1.5050% | 1,572 |
| Return on Equity (ROE) | 8.9852% | 2,429 |
| Retained earnings to average equity (ytd only) | 8.9852% | 596 |
| Net charge-offs to loans | 0.0709% | 2,684 |
| Credit loss provision to net charge-offs | 1,123.2877% | 350 |
| Earnings coverage of net charge-offs (x) | 36.6849% | 1,254 |
| Efficiency ratio | 58.5140% | 4,788 |
| Assets per employee ($millions) | 3.5862% | 4,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7040% | 5,349 |
| Loan loss allowance to noncurrent loans | 191.5385% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.4342% | 3,528 |
| Noncurrent loans to loans | 0.3676% | 3,804 |
| Net loans and leases to total assets | 83.9423% | 388 |
| Net loans and leases to deposits | 99.7548% | 683 |
| Net loans and leases to core deposits | 112.3767% | 762 |
| Total domestic deposits to total assets | 84.1486% | 3,374 |
| Equity capital to assets | 13.2907% | 1,139 |
| Core capital (leverage) ratio | 10.0304% | 3,447 |
| Tier 1 risk-based capital ratio | 12.3002% | 4,504 |
| Total risk-based capital ratio | 13.0636% | 4,749 |
| Memoranda: | ||
| Average total assets | $123,457,800 | 3,934 |
| Average earning assets | $108,854,800 | 4,025 |
| Average equity | $16,126,600 | 3,677 |
| Average total loans | $102,931,800 | 3,332 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3420% | 81 |
| Cost of funding earning assets | 0.5942% | 1,379 |
| Net interest margin | 5.7478% | 79 |
| Noninterest income to average assets | 0.6355% | 2,491 |
| Noninterest expense to average assets | 3.2014% | 1,769 |
| Loan and lease loss provision to assets | 0.6398% | 177 |
| Net operating income to assets | 1.4716% | 927 |
| Return on assets (ROA) | 1.4716% | 971 |
| Pretax return on assets | 1.8610% | 782 |
| Return on Equity (ROE) | 11.3167% | 1,549 |
| Retained earnings to average equity (ytd only) | 11.3167% | 384 |
| Net charge-offs to loans | 0.0496% | 2,666 |
| Credit loss provision to net charge-offs | 1,552.6316% | 299 |
| Earnings coverage of net charge-offs (x) | 60.6787% | 948 |
| Efficiency ratio | 54.7547% | 5,180 |
| Assets per employee ($millions) | 3.6751% | 4,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5256% | 5,709 |
| Loan loss allowance to noncurrent loans | 202.9412% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 4,251 |
| Noncurrent loans to loans | 0.2590% | 4,336 |
| Net loans and leases to total assets | 83.6145% | 447 |
| Net loans and leases to deposits | 99.9493% | 709 |
| Net loans and leases to core deposits | 112.4108% | 788 |
| Total domestic deposits to total assets | 83.6569% | 3,335 |
| Equity capital to assets | 13.2779% | 1,358 |
| Core capital (leverage) ratio | 9.9887% | 3,586 |
| Tier 1 risk-based capital ratio | 12.3248% | 4,591 |
| Total risk-based capital ratio | 12.8950% | 4,916 |
| Memoranda: | ||
| Average total assets | $122,943,250 | 3,966 |
| Average earning assets | $108,375,750 | 4,059 |
| Average equity | $15,987,750 | 3,723 |
| Average total loans | $102,137,750 | 3,357 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6189% | 70 |
| Cost of funding earning assets | 0.5329% | 1,846 |
| Net interest margin | 6.0860% | 65 |
| Noninterest income to average assets | 0.7508% | 1,932 |
| Noninterest expense to average assets | 3.1650% | 1,899 |
| Loan and lease loss provision to assets | 0.8669% | 117 |
| Net operating income to assets | 1.6389% | 660 |
| Return on assets (ROA) | 1.6389% | 701 |
| Pretax return on assets | 2.0806% | 486 |
| Return on Equity (ROE) | 12.6943% | 1,104 |
| Retained earnings to average equity (ytd only) | 12.6943% | 251 |
| Net charge-offs to loans | 0.0514% | 2,467 |
| Credit loss provision to net charge-offs | 2,038.4615% | 201 |
| Earnings coverage of net charge-offs (x) | 69.3077% | 780 |
| Efficiency ratio | 50.4683% | 5,535 |
| Assets per employee ($millions) | 3.4111% | 4,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4892% | 5,811 |
| Loan loss allowance to noncurrent loans | 315.0000% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.2077% | 4,661 |
| Noncurrent loans to loans | 0.1553% | 4,818 |
| Net loans and leases to total assets | 83.4806% | 465 |
| Net loans and leases to deposits | 100.2327% | 679 |
| Net loans and leases to core deposits | 113.1837% | 765 |
| Total domestic deposits to total assets | 83.2868% | 3,545 |
| Equity capital to assets | 13.2222% | 1,377 |
| Core capital (leverage) ratio | 9.8316% | 3,773 |
| Tier 1 risk-based capital ratio | 12.0433% | 4,797 |
| Total risk-based capital ratio | 12.5684% | 5,169 |
| Memoranda: | ||
| Average total assets | $122,273,670 | 4,004 |
| Average earning assets | $107,722,000 | 4,100 |
| Average equity | $15,786,670 | 3,763 |
| Average total loans | $101,173,670 | 3,386 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5809% | 73 |
| Cost of funding earning assets | 0.8913% | 309 |
| Net interest margin | 5.6896% | 91 |
| Noninterest income to average assets | 1.0753% | 934 |
| Noninterest expense to average assets | 3.1276% | 2,023 |
| Loan and lease loss provision to assets | 0.7213% | 147 |
| Net operating income to assets | 2.1506% | 248 |
| Return on assets (ROA) | 2.1506% | 261 |
| Pretax return on assets | 2.2490% | 344 |
| Return on Equity (ROE) | 16.8621% | 455 |
| Retained earnings to average equity (ytd only) | 16.8621% | 161 |
| Net charge-offs to loans | 0.0878% | 1,620 |
| Credit loss provision to net charge-offs | 1,000.0000% | 359 |
| Earnings coverage of net charge-offs (x) | 41.1818% | 995 |
| Efficiency ratio | 50.0000% | 5,626 |
| Assets per employee ($millions) | 3.4990% | 4,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1974% | 6,036 |
| Loan loss allowance to noncurrent loans | 215.2174% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.1527% | 4,965 |
| Noncurrent loans to loans | 0.0917% | 5,108 |
| Net loans and leases to total assets | 81.7582% | 592 |
| Net loans and leases to deposits | 97.7402% | 778 |
| Net loans and leases to core deposits | 110.8938% | 810 |
| Total domestic deposits to total assets | 83.6485% | 3,660 |
| Equity capital to assets | 12.9750% | 1,423 |
| Core capital (leverage) ratio | 9.5611% | 4,092 |
| Tier 1 risk-based capital ratio | 11.9718% | 4,932 |
| Total risk-based capital ratio | 12.1835% | 5,445 |
| Memoranda: | ||
| Average total assets | $122,010,000 | 4,041 |
| Average earning assets | $107,706,000 | 4,132 |
| Average equity | $15,561,500 | 3,803 |
| Average total loans | $100,251,000 | 3,419 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3705% | 335 |
| Cost of funding earning assets | 0.8581% | 353 |
| Net interest margin | 4.5124% | 636 |
| Noninterest income to average assets | 0.4629% | 3,579 |
| Noninterest expense to average assets | 3.3611% | 1,574 |
| Loan and lease loss provision to assets | 0.0439% | 3,449 |
| Net operating income to assets | 1.1472% | 1,743 |
| Return on assets (ROA) | 1.1618% | 1,768 |
| Pretax return on assets | 1.1618% | 2,804 |
| Return on Equity (ROE) | 11.2284% | 1,538 |
| Retained earnings to average equity (ytd only) | 11.2284% | 326 |
| Net charge-offs to loans | 0.0835% | 2,639 |
| Credit loss provision to net charge-offs | 60.7595% | 3,261 |
| Earnings coverage of net charge-offs (x) | 16.4810% | 2,125 |
| Efficiency ratio | 73.8344% | 2,605 |
| Assets per employee ($millions) | 3.4737% | 4,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,124 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 4,935 |
| Noncurrent loans to loans | 0.1081% | 5,070 |
| Net loans and leases to total assets | 82.1826% | 580 |
| Net loans and leases to deposits | 98.6951% | 764 |
| Net loans and leases to core deposits | 112.1984% | 759 |
| Total domestic deposits to total assets | 83.2692% | 3,748 |
| Equity capital to assets | 12.5294% | 1,609 |
| Core capital (leverage) ratio | 9.4266% | 4,284 |
| Tier 1 risk-based capital ratio | 11.1382% | 5,446 |
| Total risk-based capital ratio | 11.1382% | 5,938 |
| Memoranda: | ||
| Average total assets | $109,310,200 | 4,272 |
| Average earning assets | $99,059,800 | 4,316 |
| Average equity | $11,310,600 | 4,423 |
| Average total loans | $94,570,600 | 3,490 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4174% | 309 |
| Cost of funding earning assets | 0.8708% | 339 |
| Net interest margin | 4.5466% | 595 |
| Noninterest income to average assets | 0.3664% | 4,307 |
| Noninterest expense to average assets | 3.3595% | 1,562 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1608% | 1,795 |
| Return on assets (ROA) | 1.1809% | 1,782 |
| Pretax return on assets | 1.1809% | 2,886 |
| Return on Equity (ROE) | 12.1456% | 1,337 |
| Retained earnings to average equity (ytd only) | 12.1456% | 350 |
| Net charge-offs to loans | 0.0601% | 2,742 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 22.0232% | 1,803 |
| Efficiency ratio | 74.3198% | 2,503 |
| Assets per employee ($millions) | 3.5241% | 4,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4773% | 2,250 |
| Loan loss allowance to noncurrent loans | 793.0481% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.2678% | 4,693 |
| Noncurrent loans to loans | 0.1863% | 4,904 |
| Net loans and leases to total assets | 87.7060% | 153 |
| Net loans and leases to deposits | 106.2466% | 357 |
| Net loans and leases to core deposits | 121.4137% | 435 |
| Total domestic deposits to total assets | 82.5494% | 3,968 |
| Equity capital to assets | 9.5602% | 4,680 |
| Core capital (leverage) ratio | 9.6127% | 4,150 |
| Tier 1 risk-based capital ratio | 11.6291% | 5,305 |
| Total risk-based capital ratio | 12.8834% | 5,227 |
| Memoranda: | ||
| Average total assets | $106,243,250 | 4,378 |
| Average earning assets | $97,067,250 | 4,409 |
| Average equity | $10,330,000 | 4,648 |
| Average total loans | $93,234,250 | 3,551 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5042% | 265 |
| Cost of funding earning assets | 0.8594% | 365 |
| Net interest margin | 4.6447% | 482 |
| Noninterest income to average assets | 0.3632% | 4,346 |
| Noninterest expense to average assets | 3.2959% | 1,720 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3049% | 1,309 |
| Return on assets (ROA) | 1.3357% | 1,274 |
| Pretax return on assets | 1.3357% | 2,227 |
| Return on Equity (ROE) | 13.6547% | 970 |
| Retained earnings to average equity (ytd only) | 13.6547% | 258 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6374% | 3,046 |
| Assets per employee ($millions) | 3.2148% | 5,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5727% | 2,000 |
| Loan loss allowance to noncurrent loans | 740.2913% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 4,700 |
| Noncurrent loans to loans | 0.2124% | 4,920 |
| Net loans and leases to total assets | 87.3161% | 176 |
| Net loans and leases to deposits | 105.0731% | 405 |
| Net loans and leases to core deposits | 120.0790% | 465 |
| Total domestic deposits to total assets | 83.1003% | 3,909 |
| Equity capital to assets | 9.6437% | 4,477 |
| Core capital (leverage) ratio | 9.8484% | 3,810 |
| Tier 1 risk-based capital ratio | 11.7955% | 5,282 |
| Total risk-based capital ratio | 13.0513% | 5,186 |
| Memoranda: | ||
| Average total assets | $104,067,670 | 4,468 |
| Average earning assets | $94,946,330 | 4,495 |
| Average equity | $10,179,670 | 4,705 |
| Average total loans | $90,849,330 | 3,615 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3858% | 309 |
| Cost of funding earning assets | 0.8529% | 374 |
| Net interest margin | 4.5329% | 573 |
| Noninterest income to average assets | 0.2208% | 5,377 |
| Noninterest expense to average assets | 3.3199% | 1,668 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0291% | 2,135 |
| Return on assets (ROA) | 1.0922% | 2,007 |
| Pretax return on assets | 1.0922% | 3,117 |
| Return on Equity (ROE) | 11.0811% | 1,611 |
| Retained earnings to average equity (ytd only) | 11.0811% | 706 |
| Net charge-offs to loans | -0.0182% | 5,000 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3373% | 2,462 |
| Assets per employee ($millions) | 3.1355% | 5,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6866% | 1,772 |
| Loan loss allowance to noncurrent loans | 251.0673% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.6997% | 3,385 |
| Noncurrent loans to loans | 0.6718% | 3,606 |
| Net loans and leases to total assets | 86.1352% | 181 |
| Net loans and leases to deposits | 101.2485% | 495 |
| Net loans and leases to core deposits | 115.8325% | 525 |
| Total domestic deposits to total assets | 85.0731% | 3,369 |
| Equity capital to assets | 9.7892% | 4,398 |
| Core capital (leverage) ratio | 9.8643% | 3,804 |
| Tier 1 risk-based capital ratio | 12.0481% | 5,205 |
| Total risk-based capital ratio | 13.3050% | 5,103 |
| Memoranda: | ||
| Average total assets | $101,449,500 | 4,567 |
| Average earning assets | $92,391,500 | 4,586 |
| Average equity | $9,999,000 | 4,784 |
| Average total loans | $87,791,500 | 3,708 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3836% | 392 |
| Cost of funding earning assets | 1.0603% | 174 |
| Net interest margin | 4.3233% | 1,016 |
| Noninterest income to average assets | 0.3336% | 4,721 |
| Noninterest expense to average assets | 3.5007% | 1,477 |
| Loan and lease loss provision to assets | 0.0941% | 2,580 |
| Net operating income to assets | 0.6191% | 4,281 |
| Return on assets (ROA) | 0.6736% | 4,131 |
| Pretax return on assets | 0.6736% | 4,711 |
| Return on Equity (ROE) | 6.6150% | 3,832 |
| Retained earnings to average equity (ytd only) | 6.6150% | 1,586 |
| Net charge-offs to loans | 0.1831% | 2,204 |
| Credit loss provision to net charge-offs | 61.9718% | 3,248 |
| Earnings coverage of net charge-offs (x) | 4.6972% | 3,584 |
| Efficiency ratio | 83.0754% | 1,510 |
| Assets per employee ($millions) | 3.0130% | 5,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7956% | 1,550 |
| Loan loss allowance to noncurrent loans | 175.4891% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 1.2512% | 2,253 |
| Noncurrent loans to loans | 1.0232% | 2,781 |
| Net loans and leases to total assets | 83.8838% | 350 |
| Net loans and leases to deposits | 97.1192% | 823 |
| Net loans and leases to core deposits | 111.1416% | 727 |
| Total domestic deposits to total assets | 86.3720% | 2,631 |
| Equity capital to assets | 9.9258% | 4,206 |
| Core capital (leverage) ratio | 10.0313% | 3,532 |
| Tier 1 risk-based capital ratio | 11.8215% | 5,477 |
| Total risk-based capital ratio | 13.0792% | 5,384 |
| Memoranda: | ||
| Average total assets | $93,525,400 | 4,764 |
| Average earning assets | $83,939,800 | 4,794 |
| Average equity | $9,523,800 | 4,856 |
| Average total loans | $77,552,400 | 3,951 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3545% | 410 |
| Cost of funding earning assets | 1.1282% | 122 |
| Net interest margin | 4.2263% | 1,204 |
| Noninterest income to average assets | 0.3969% | 4,265 |
| Noninterest expense to average assets | 3.4647% | 1,541 |
| Loan and lease loss provision to assets | 0.1275% | 1,966 |
| Net operating income to assets | 0.5866% | 4,502 |
| Return on assets (ROA) | 0.6301% | 4,407 |
| Pretax return on assets | 0.6301% | 4,930 |
| Return on Equity (ROE) | 6.1456% | 4,160 |
| Retained earnings to average equity (ytd only) | 6.1456% | 2,315 |
| Net charge-offs to loans | 0.1708% | 2,086 |
| Credit loss provision to net charge-offs | 90.7216% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.0825% | 3,326 |
| Efficiency ratio | 82.9116% | 1,505 |
| Assets per employee ($millions) | 2.9580% | 5,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9811% | 1,291 |
| Loan loss allowance to noncurrent loans | 154.9852% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 1.7041% | 1,766 |
| Noncurrent loans to loans | 1.2783% | 2,504 |
| Net loans and leases to total assets | 82.0624% | 498 |
| Net loans and leases to deposits | 99.4571% | 643 |
| Net loans and leases to core deposits | 110.9909% | 709 |
| Total domestic deposits to total assets | 82.5104% | 4,297 |
| Equity capital to assets | 10.2635% | 3,838 |
| Core capital (leverage) ratio | 10.0477% | 3,606 |
| Tier 1 risk-based capital ratio | 12.3058% | 5,294 |
| Total risk-based capital ratio | 13.5662% | 5,215 |
| Memoranda: | ||
| Average total assets | $92,049,750 | 4,840 |
| Average earning assets | $82,371,000 | 4,895 |
| Average equity | $9,437,500 | 4,909 |
| Average total loans | $75,708,250 | 4,043 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3384% | 409 |
| Cost of funding earning assets | 1.2278% | 79 |
| Net interest margin | 4.1106% | 1,477 |
| Noninterest income to average assets | 0.4014% | 4,237 |
| Noninterest expense to average assets | 3.4415% | 1,590 |
| Loan and lease loss provision to assets | 0.1272% | 1,941 |
| Net operating income to assets | 0.5045% | 4,791 |
| Return on assets (ROA) | 0.5045% | 4,881 |
| Pretax return on assets | 0.5045% | 5,261 |
| Return on Equity (ROE) | 4.9224% | 4,712 |
| Retained earnings to average equity (ytd only) | 4.9224% | 3,009 |
| Net charge-offs to loans | 0.2174% | 1,725 |
| Credit loss provision to net charge-offs | 71.6049% | 2,445 |
| Earnings coverage of net charge-offs (x) | 3.5556% | 3,276 |
| Efficiency ratio | 84.4911% | 1,446 |
| Assets per employee ($millions) | 2.9017% | 5,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0265% | 1,316 |
| Loan loss allowance to noncurrent loans | 146.2406% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 1.8588% | 1,753 |
| Noncurrent loans to loans | 1.3857% | 2,485 |
| Net loans and leases to total assets | 81.0164% | 573 |
| Net loans and leases to deposits | 94.2045% | 947 |
| Net loans and leases to core deposits | 105.1890% | 949 |
| Total domestic deposits to total assets | 86.0006% | 3,033 |
| Equity capital to assets | 10.2387% | 3,774 |
| Core capital (leverage) ratio | 9.9541% | 3,674 |
| Tier 1 risk-based capital ratio | 12.2319% | 5,396 |
| Total risk-based capital ratio | 13.4914% | 5,312 |
| Memoranda: | ||
| Average total assets | $91,181,000 | 4,900 |
| Average earning assets | $81,447,000 | 4,951 |
| Average equity | $9,345,000 | 4,954 |
| Average total loans | $74,528,670 | 4,087 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1941% | 488 |
| Cost of funding earning assets | 1.2960% | 61 |
| Net interest margin | 3.8980% | 2,093 |
| Noninterest income to average assets | 0.3453% | 4,609 |
| Noninterest expense to average assets | 3.3383% | 1,857 |
| Loan and lease loss provision to assets | 0.1771% | 1,361 |
| Net operating income to assets | 0.3055% | 5,471 |
| Return on assets (ROA) | 0.3055% | 5,521 |
| Pretax return on assets | 0.3055% | 5,704 |
| Return on Equity (ROE) | 2.9793% | 5,465 |
| Retained earnings to average equity (ytd only) | 2.9793% | 4,321 |
| Net charge-offs to loans | 0.5940% | 623 |
| Credit loss provision to net charge-offs | 36.6972% | 2,336 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 3,210 |
| Efficiency ratio | 87.3696% | 1,294 |
| Assets per employee ($millions) | 2.8270% | 6,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0630% | 1,392 |
| Loan loss allowance to noncurrent loans | 125.3112% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 2.3313% | 1,403 |
| Noncurrent loans to loans | 1.6463% | 2,363 |
| Net loans and leases to total assets | 79.2384% | 631 |
| Net loans and leases to deposits | 91.9768% | 959 |
| Net loans and leases to core deposits | 102.0587% | 984 |
| Total domestic deposits to total assets | 86.1504% | 3,279 |
| Equity capital to assets | 10.3045% | 3,465 |
| Core capital (leverage) ratio | 9.9092% | 3,700 |
| Tier 1 risk-based capital ratio | 12.2603% | 5,467 |
| Total risk-based capital ratio | 13.5208% | 5,397 |
| Memoranda: | ||
| Average total assets | $90,344,500 | 4,962 |
| Average earning assets | $80,553,500 | 5,008 |
| Average equity | $9,264,000 | 4,986 |
| Average total loans | $73,401,500 | 4,154 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4656% | 388 |
| Cost of funding earning assets | 1.4276% | 64 |
| Net interest margin | 4.0380% | 1,843 |
| Noninterest income to average assets | 0.3305% | 4,971 |
| Noninterest expense to average assets | 3.3840% | 1,919 |
| Loan and lease loss provision to assets | 0.1727% | 2,138 |
| Net operating income to assets | 0.3431% | 5,364 |
| Return on assets (ROA) | 0.3535% | 5,435 |
| Pretax return on assets | 0.3535% | 5,598 |
| Return on Equity (ROE) | 3.3668% | 5,373 |
| Retained earnings to average equity (ytd only) | 3.3668% | 3,831 |
| Net charge-offs to loans | 0.1868% | 2,970 |
| Credit loss provision to net charge-offs | 120.0000% | 1,989 |
| Earnings coverage of net charge-offs (x) | 3.5840% | 3,819 |
| Efficiency ratio | 86.7730% | 1,340 |
| Assets per employee ($millions) | 2.9105% | 5,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1451% | 1,258 |
| Loan loss allowance to noncurrent loans | 116.7899% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 2.7642% | 1,198 |
| Noncurrent loans to loans | 1.8367% | 2,188 |
| Net loans and leases to total assets | 79.8357% | 609 |
| Net loans and leases to deposits | 92.6706% | 991 |
| Net loans and leases to core deposits | 102.4565% | 998 |
| Total domestic deposits to total assets | 86.1500% | 3,179 |
| Equity capital to assets | 10.2035% | 3,500 |
| Core capital (leverage) ratio | 10.0034% | 3,571 |
| Tier 1 risk-based capital ratio | 12.1626% | 5,519 |
| Total risk-based capital ratio | 13.4240% | 5,446 |
| Memoranda: | ||
| Average total assets | $86,850,000 | 5,053 |
| Average earning assets | $76,771,600 | 5,123 |
| Average equity | $9,118,400 | 5,055 |
| Average total loans | $66,924,800 | 4,381 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4175% | 428 |
| Cost of funding earning assets | 1.4497% | 63 |
| Net interest margin | 3.9678% | 2,052 |
| Noninterest income to average assets | 0.3395% | 4,975 |
| Noninterest expense to average assets | 3.3966% | 1,832 |
| Loan and lease loss provision to assets | 0.1705% | 2,129 |
| Net operating income to assets | 0.2728% | 5,695 |
| Return on assets (ROA) | 0.2728% | 5,805 |
| Pretax return on assets | 0.2728% | 5,930 |
| Return on Equity (ROE) | 2.5797% | 5,758 |
| Retained earnings to average equity (ytd only) | 2.5797% | 4,783 |
| Net charge-offs to loans | 0.2452% | 2,343 |
| Credit loss provision to net charge-offs | 91.6667% | 2,593 |
| Earnings coverage of net charge-offs (x) | 2.3833% | 4,039 |
| Efficiency ratio | 88.4538% | 1,123 |
| Assets per employee ($millions) | 2.9739% | 5,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1861% | 1,351 |
| Loan loss allowance to noncurrent loans | 123.8172% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 2.7786% | 1,350 |
| Noncurrent loans to loans | 1.7656% | 2,551 |
| Net loans and leases to total assets | 77.4326% | 813 |
| Net loans and leases to deposits | 88.7192% | 1,293 |
| Net loans and leases to core deposits | 97.6866% | 1,264 |
| Total domestic deposits to total assets | 87.2782% | 2,517 |
| Equity capital to assets | 10.1797% | 3,667 |
| Core capital (leverage) ratio | 10.0077% | 3,668 |
| Tier 1 risk-based capital ratio | 12.1970% | 5,650 |
| Total risk-based capital ratio | 13.4573% | 5,575 |
| Memoranda: | ||
| Average total assets | $86,006,500 | 5,124 |
| Average earning assets | $75,875,750 | 5,204 |
| Average equity | $9,096,500 | 5,115 |
| Average total loans | $65,253,500 | 4,477 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2986% | 528 |
| Cost of funding earning assets | 1.4638% | 66 |
| Net interest margin | 3.8348% | 2,427 |
| Noninterest income to average assets | 0.4027% | 4,505 |
| Noninterest expense to average assets | 3.3413% | 1,961 |
| Loan and lease loss provision to assets | 0.1884% | 2,008 |
| Net operating income to assets | 0.2472% | 5,783 |
| Return on assets (ROA) | 0.2472% | 5,909 |
| Pretax return on assets | 0.2472% | 6,006 |
| Return on Equity (ROE) | 2.3074% | 5,858 |
| Retained earnings to average equity (ytd only) | 2.3074% | 4,818 |
| Net charge-offs to loans | 0.2458% | 2,252 |
| Credit loss provision to net charge-offs | 102.5641% | 2,162 |
| Earnings coverage of net charge-offs (x) | 2.3718% | 3,730 |
| Efficiency ratio | 88.4663% | 1,177 |
| Assets per employee ($millions) | 2.6302% | 6,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3311% | 1,210 |
| Loan loss allowance to noncurrent loans | 104.7811% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 3.5232% | 1,091 |
| Noncurrent loans to loans | 2.2247% | 2,143 |
| Net loans and leases to total assets | 75.1109% | 1,093 |
| Net loans and leases to deposits | 85.2120% | 1,656 |
| Net loans and leases to core deposits | 92.7883% | 1,631 |
| Total domestic deposits to total assets | 88.1459% | 2,142 |
| Equity capital to assets | 10.5223% | 3,270 |
| Core capital (leverage) ratio | 10.1346% | 3,314 |
| Tier 1 risk-based capital ratio | 12.7496% | 5,327 |
| Total risk-based capital ratio | 14.0121% | 5,254 |
| Memoranda: | ||
| Average total assets | $84,936,330 | 5,199 |
| Average earning assets | $74,737,000 | 5,257 |
| Average equity | $9,101,330 | 5,150 |
| Average total loans | $63,462,330 | 4,559 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2170% | 589 |
| Cost of funding earning assets | 1.4627% | 70 |
| Net interest margin | 3.7543% | 2,642 |
| Noninterest income to average assets | 0.5238% | 3,614 |
| Noninterest expense to average assets | 3.2950% | 2,096 |
| Loan and lease loss provision to assets | 0.2857% | 1,234 |
| Net operating income to assets | 0.2428% | 5,752 |
| Return on assets (ROA) | 0.2428% | 5,874 |
| Pretax return on assets | 0.2428% | 5,980 |
| Return on Equity (ROE) | 2.2453% | 5,861 |
| Retained earnings to average equity (ytd only) | 2.2453% | 4,890 |
| Net charge-offs to loans | 0.1747% | 2,347 |
| Credit loss provision to net charge-offs | 222.2222% | 1,008 |
| Earnings coverage of net charge-offs (x) | 4.1111% | 2,611 |
| Efficiency ratio | 86.1768% | 1,492 |
| Assets per employee ($millions) | 2.7727% | 6,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5595% | 1,053 |
| Loan loss allowance to noncurrent loans | 87.4862% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 3.9800% | 1,004 |
| Noncurrent loans to loans | 2.9256% | 1,717 |
| Net loans and leases to total assets | 70.2903% | 1,614 |
| Net loans and leases to deposits | 79.7703% | 2,104 |
| Net loans and leases to core deposits | 87.0489% | 2,006 |
| Total domestic deposits to total assets | 88.1159% | 2,247 |
| Equity capital to assets | 10.6183% | 3,411 |
| Core capital (leverage) ratio | 10.5767% | 2,677 |
| Tier 1 risk-based capital ratio | 13.1728% | 5,082 |
| Total risk-based capital ratio | 14.4369% | 5,026 |
| Memoranda: | ||
| Average total assets | $84,006,000 | 5,270 |
| Average earning assets | $73,836,000 | 5,326 |
| Average equity | $9,085,500 | 5,207 |
| Average total loans | $61,818,500 | 4,641 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4432% | 695 |
| Cost of funding earning assets | 1.5962% | 108 |
| Net interest margin | 3.8470% | 3,033 |
| Noninterest income to average assets | 0.3438% | 5,007 |
| Noninterest expense to average assets | 3.2537% | 2,466 |
| Loan and lease loss provision to assets | 0.4688% | 1,327 |
| Net operating income to assets | 0.0192% | 6,139 |
| Return on assets (ROA) | 0.0841% | 6,177 |
| Pretax return on assets | 0.0841% | 6,180 |
| Return on Equity (ROE) | 0.7818% | 6,171 |
| Retained earnings to average equity (ytd only) | 0.7818% | 5,471 |
| Net charge-offs to loans | 1.0086% | 1,079 |
| Credit loss provision to net charge-offs | 67.1256% | 4,249 |
| Earnings coverage of net charge-offs (x) | 0.6988% | 5,133 |
| Efficiency ratio | 86.9579% | 1,335 |
| Assets per employee ($millions) | 2.6470% | 6,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5214% | 1,107 |
| Loan loss allowance to noncurrent loans | 84.5484% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 4.1873% | 1,007 |
| Noncurrent loans to loans | 2.9822% | 1,751 |
| Net loans and leases to total assets | 73.2150% | 1,301 |
| Net loans and leases to deposits | 82.7054% | 1,909 |
| Net loans and leases to core deposits | 87.8590% | 2,103 |
| Total domestic deposits to total assets | 88.5250% | 1,887 |
| Equity capital to assets | 11.0216% | 2,923 |
| Core capital (leverage) ratio | 10.8820% | 2,356 |
| Tier 1 risk-based capital ratio | 13.6302% | 4,652 |
| Total risk-based capital ratio | 14.8955% | 4,591 |
| Memoranda: | ||
| Average total assets | $83,198,800 | 5,268 |
| Average earning assets | $73,485,600 | 5,326 |
| Average equity | $8,953,800 | 5,236 |
| Average total loans | $57,603,200 | 4,813 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4234% | 795 |
| Cost of funding earning assets | 1.6236% | 115 |
| Net interest margin | 3.7998% | 3,336 |
| Noninterest income to average assets | 0.3593% | 4,949 |
| Noninterest expense to average assets | 3.1542% | 2,704 |
| Loan and lease loss provision to assets | 0.5430% | 1,084 |
| Net operating income to assets | 0.0224% | 6,251 |
| Return on assets (ROA) | 0.1086% | 6,254 |
| Pretax return on assets | 0.1086% | 6,261 |
| Return on Equity (ROE) | 1.0151% | 6,245 |
| Retained earnings to average equity (ytd only) | 1.0151% | 5,762 |
| Net charge-offs to loans | 1.0201% | 1,042 |
| Credit loss provision to net charge-offs | 78.5219% | 3,664 |
| Earnings coverage of net charge-offs (x) | 0.8176% | 4,922 |
| Efficiency ratio | 84.8003% | 1,496 |
| Assets per employee ($millions) | 2.7409% | 6,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8616% | 839 |
| Loan loss allowance to noncurrent loans | 50.0606% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 5.4337% | 791 |
| Noncurrent loans to loans | 5.7164% | 741 |
| Net loans and leases to total assets | 70.5495% | 1,809 |
| Net loans and leases to deposits | 79.8442% | 2,409 |
| Net loans and leases to core deposits | 83.5188% | 2,758 |
| Total domestic deposits to total assets | 88.3590% | 1,804 |
| Equity capital to assets | 11.2410% | 2,992 |
| Core capital (leverage) ratio | 10.7237% | 2,678 |
| Tier 1 risk-based capital ratio | 14.2530% | 4,348 |
| Total risk-based capital ratio | 15.5204% | 4,305 |
| Memoranda: | ||
| Average total assets | $83,484,250 | 5,310 |
| Average earning assets | $73,826,250 | 5,379 |
| Average equity | $8,931,250 | 5,286 |
| Average total loans | $56,596,000 | 4,899 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4017% | 867 |
| Cost of funding earning assets | 1.6312% | 135 |
| Net interest margin | 3.7706% | 3,493 |
| Noninterest income to average assets | 0.4197% | 4,506 |
| Noninterest expense to average assets | 3.0914% | 2,953 |
| Loan and lease loss provision to assets | 0.7310% | 719 |
| Net operating income to assets | -0.0613% | 6,394 |
| Return on assets (ROA) | 0.0660% | 6,369 |
| Pretax return on assets | 0.0660% | 6,367 |
| Return on Equity (ROE) | 0.6271% | 6,365 |
| Retained earnings to average equity (ytd only) | 0.6271% | 5,812 |
| Net charge-offs to loans | 1.0175% | 1,085 |
| Credit loss provision to net charge-offs | 108.3916% | 2,512 |
| Earnings coverage of net charge-offs (x) | 0.9930% | 4,536 |
| Efficiency ratio | 82.1944% | 1,856 |
| Assets per employee ($millions) | 2.8425% | 6,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9998% | 782 |
| Loan loss allowance to noncurrent loans | 58.5568% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 4.2302% | 1,182 |
| Noncurrent loans to loans | 5.1229% | 941 |
| Net loans and leases to total assets | 69.3917% | 2,032 |
| Net loans and leases to deposits | 78.1264% | 2,648 |
| Net loans and leases to core deposits | 82.1853% | 2,939 |
| Total domestic deposits to total assets | 88.8199% | 1,626 |
| Equity capital to assets | 10.7919% | 3,348 |
| Core capital (leverage) ratio | 10.2600% | 3,085 |
| Tier 1 risk-based capital ratio | 13.9227% | 4,502 |
| Total risk-based capital ratio | 15.1924% | 4,461 |
| Memoranda: | ||
| Average total assets | $84,817,000 | 5,308 |
| Average earning assets | $75,161,330 | 5,351 |
| Average equity | $8,930,000 | 5,286 |
| Average total loans | $56,218,330 | 4,947 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1746% | 1,368 |
| Cost of funding earning assets | 1.6550% | 149 |
| Net interest margin | 3.5196% | 4,596 |
| Noninterest income to average assets | 0.4139% | 4,565 |
| Noninterest expense to average assets | 2.9950% | 3,268 |
| Loan and lease loss provision to assets | 0.1395% | 3,613 |
| Net operating income to assets | 0.4046% | 5,234 |
| Return on assets (ROA) | 0.4046% | 5,420 |
| Pretax return on assets | 0.4046% | 5,708 |
| Return on Equity (ROE) | 3.8896% | 5,343 |
| Retained earnings to average equity (ytd only) | 3.8896% | 4,256 |
| Net charge-offs to loans | 1.1889% | 861 |
| Credit loss provision to net charge-offs | 18.4049% | 3,800 |
| Earnings coverage of net charge-offs (x) | 0.7178% | 3,978 |
| Efficiency ratio | 84.6255% | 1,622 |
| Assets per employee ($millions) | 2.7939% | 6,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9451% | 879 |
| Loan loss allowance to noncurrent loans | 51.7995% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 4.1542% | 1,315 |
| Noncurrent loans to loans | 5.6856% | 921 |
| Net loans and leases to total assets | 61.3352% | 3,386 |
| Net loans and leases to deposits | 68.6636% | 3,932 |
| Net loans and leases to core deposits | 72.3825% | 4,090 |
| Total domestic deposits to total assets | 89.3270% | 1,468 |
| Equity capital to assets | 10.3336% | 3,692 |
| Core capital (leverage) ratio | 10.1614% | 3,159 |
| Tier 1 risk-based capital ratio | 14.2402% | 4,286 |
| Total risk-based capital ratio | 15.5070% | 4,249 |
| Memoranda: | ||
| Average total assets | $86,009,500 | 5,312 |
| Average earning assets | $76,373,000 | 5,348 |
| Average equity | $8,947,000 | 5,297 |
| Average total loans | $54,842,500 | 5,030 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6045% | 945 |
| Cost of funding earning assets | 1.9249% | 135 |
| Net interest margin | 3.6797% | 4,394 |
| Noninterest income to average assets | 0.2421% | 5,809 |
| Noninterest expense to average assets | 3.3063% | 2,504 |
| Loan and lease loss provision to assets | 2.8435% | 135 |
| Net operating income to assets | -2.6038% | 7,129 |
| Return on assets (ROA) | -2.5752% | 7,131 |
| Pretax return on assets | -2.5752% | 7,130 |
| Return on Equity (ROE) | -21.5417% | 7,004 |
| Retained earnings to average equity (ytd only) | -21.5417% | 6,990 |
| Net charge-offs to loans | 2.8748% | 354 |
| Credit loss provision to net charge-offs | 140.5660% | 2,095 |
| Earnings coverage of net charge-offs (x) | 0.1185% | 5,746 |
| Efficiency ratio | 93.2392% | 965 |
| Assets per employee ($millions) | 2.6690% | 6,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1756% | 696 |
| Loan loss allowance to noncurrent loans | 64.5102% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 3.9153% | 1,465 |
| Noncurrent loans to loans | 4.9227% | 1,157 |
| Net loans and leases to total assets | 62.2951% | 3,538 |
| Net loans and leases to deposits | 69.8604% | 4,127 |
| Net loans and leases to core deposits | 73.5241% | 4,303 |
| Total domestic deposits to total assets | 89.1708% | 1,438 |
| Equity capital to assets | 10.4721% | 3,565 |
| Core capital (leverage) ratio | 10.1577% | 3,158 |
| Tier 1 risk-based capital ratio | 14.3961% | 4,044 |
| Total risk-based capital ratio | 15.6657% | 4,006 |
| Memoranda: | ||
| Average total assets | $83,839,000 | 5,344 |
| Average earning assets | $75,278,200 | 5,364 |
| Average equity | $10,022,400 | 5,012 |
| Average total loans | $58,995,800 | 4,906 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6055% | 1,022 |
| Cost of funding earning assets | 1.9584% | 141 |
| Net interest margin | 3.6471% | 4,585 |
| Noninterest income to average assets | 0.2397% | 5,911 |
| Noninterest expense to average assets | 3.2227% | 2,756 |
| Loan and lease loss provision to assets | 3.2499% | 94 |
| Net operating income to assets | -2.9479% | 7,264 |
| Return on assets (ROA) | -2.9479% | 7,271 |
| Pretax return on assets | -2.9479% | 7,266 |
| Return on Equity (ROE) | -23.9015% | 7,156 |
| Retained earnings to average equity (ytd only) | -23.9015% | 7,145 |
| Net charge-offs to loans | 3.6039% | 206 |
| Credit loss provision to net charge-offs | 125.4007% | 2,559 |
| Earnings coverage of net charge-offs (x) | 0.1165% | 5,513 |
| Efficiency ratio | 91.4325% | 1,079 |
| Assets per employee ($millions) | 2.9103% | 6,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5136% | 1,378 |
| Loan loss allowance to noncurrent loans | 47.1741% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 4.1884% | 1,459 |
| Noncurrent loans to loans | 5.3285% | 1,132 |
| Net loans and leases to total assets | 67.5024% | 2,571 |
| Net loans and leases to deposits | 76.2412% | 3,292 |
| Net loans and leases to core deposits | 80.3045% | 3,591 |
| Total domestic deposits to total assets | 88.5379% | 1,732 |
| Equity capital to assets | 11.1031% | 3,046 |
| Core capital (leverage) ratio | 10.7270% | 2,640 |
| Tier 1 risk-based capital ratio | 14.5412% | 3,948 |
| Total risk-based capital ratio | 15.8046% | 3,917 |
| Memoranda: | ||
| Average total assets | $83,446,750 | 5,390 |
| Average earning assets | $75,163,000 | 5,414 |
| Average equity | $10,292,000 | 4,969 |
| Average total loans | $60,007,250 | 4,904 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7863% | 732 |
| Cost of funding earning assets | 2.0150% | 133 |
| Net interest margin | 3.7714% | 3,932 |
| Noninterest income to average assets | 0.2310% | 6,000 |
| Noninterest expense to average assets | 3.2119% | 2,859 |
| Loan and lease loss provision to assets | 3.6425% | 95 |
| Net operating income to assets | -3.2191% | 7,331 |
| Return on assets (ROA) | -3.2191% | 7,336 |
| Pretax return on assets | -3.2191% | 7,329 |
| Return on Equity (ROE) | -25.2477% | 7,196 |
| Retained earnings to average equity (ytd only) | -25.2477% | 7,186 |
| Net charge-offs to loans | 0.4196% | 2,882 |
| Credit loss provision to net charge-offs | 1,192.1260% | 289 |
| Earnings coverage of net charge-offs (x) | 1.3858% | 4,238 |
| Efficiency ratio | 88.3521% | 1,375 |
| Assets per employee ($millions) | 2.7659% | 6,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9852% | 420 |
| Loan loss allowance to noncurrent loans | 65.5404% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 4.8267% | 1,282 |
| Noncurrent loans to loans | 6.0805% | 968 |
| Net loans and leases to total assets | 70.9639% | 2,014 |
| Net loans and leases to deposits | 80.7225% | 2,660 |
| Net loans and leases to core deposits | 85.8691% | 2,928 |
| Total domestic deposits to total assets | 87.9110% | 2,196 |
| Equity capital to assets | 11.7323% | 2,302 |
| Core capital (leverage) ratio | 11.2172% | 2,100 |
| Tier 1 risk-based capital ratio | 15.2388% | 3,378 |
| Total risk-based capital ratio | 16.5226% | 3,320 |
| Memoranda: | ||
| Average total assets | $83,129,000 | 5,454 |
| Average earning assets | $75,039,000 | 5,461 |
| Average equity | $10,599,000 | 4,897 |
| Average total loans | $60,529,330 | 4,934 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5957% | 1,063 |
| Cost of funding earning assets | 2.0261% | 151 |
| Net interest margin | 3.5696% | 4,722 |
| Noninterest income to average assets | 0.2067% | 6,258 |
| Noninterest expense to average assets | 3.2161% | 2,839 |
| Loan and lease loss provision to assets | 0.7980% | 1,059 |
| Net operating income to assets | -0.5721% | 6,851 |
| Return on assets (ROA) | -0.5721% | 6,853 |
| Pretax return on assets | -0.5721% | 6,798 |
| Return on Equity (ROE) | -4.3151% | 6,768 |
| Retained earnings to average equity (ytd only) | -4.3151% | 6,458 |
| Net charge-offs to loans | 0.5588% | 2,094 |
| Credit loss provision to net charge-offs | 197.6190% | 1,503 |
| Earnings coverage of net charge-offs (x) | 0.5595% | 4,199 |
| Efficiency ratio | 93.4358% | 1,070 |
| Assets per employee ($millions) | 2.9587% | 6,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8935% | 2,713 |
| Loan loss allowance to noncurrent loans | 34.2453% | 6,004 |
| Noncurrent assets plus other real estate owned to assets | 4.5314% | 1,427 |
| Noncurrent loans to loans | 5.5293% | 1,184 |
| Net loans and leases to total assets | 68.7789% | 2,384 |
| Net loans and leases to deposits | 79.2323% | 2,852 |
| Net loans and leases to core deposits | 88.4845% | 2,537 |
| Total domestic deposits to total assets | 86.8067% | 3,053 |
| Equity capital to assets | 12.8448% | 1,451 |
| Core capital (leverage) ratio | 12.8518% | 1,177 |
| Tier 1 risk-based capital ratio | 16.5518% | 2,642 |
| Total risk-based capital ratio | 17.8076% | 2,614 |
| Memoranda: | ||
| Average total assets | $83,205,500 | 5,489 |
| Average earning assets | $75,414,500 | 5,497 |
| Average equity | $11,031,000 | 4,793 |
| Average total loans | $60,130,500 | 4,997 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3880% | 390 |
| Cost of funding earning assets | 2.3906% | 158 |
| Net interest margin | 3.9975% | 3,030 |
| Noninterest income to average assets | 0.2409% | 6,078 |
| Noninterest expense to average assets | 3.0917% | 3,489 |
| Loan and lease loss provision to assets | 0.2915% | 4,464 |
| Net operating income to assets | 0.4530% | 4,303 |
| Return on assets (ROA) | 0.5310% | 4,118 |
| Pretax return on assets | 0.5310% | 4,527 |
| Return on Equity (ROE) | 3.5160% | 4,746 |
| Retained earnings to average equity (ytd only) | 3.5160% | 3,398 |
| Net charge-offs to loans | 0.2275% | 4,922 |
| Credit loss provision to net charge-offs | 160.1504% | 2,179 |
| Earnings coverage of net charge-offs (x) | 4.0902% | 3,070 |
| Efficiency ratio | 80.5922% | 2,335 |
| Assets per employee ($millions) | 2.7797% | 6,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7585% | 2,997 |
| Loan loss allowance to noncurrent loans | 35.3512% | 5,958 |
| Noncurrent assets plus other real estate owned to assets | 4.1645% | 1,609 |
| Noncurrent loans to loans | 4.9743% | 1,357 |
| Net loans and leases to total assets | 73.2564% | 1,813 |
| Net loans and leases to deposits | 85.2552% | 2,231 |
| Net loans and leases to core deposits | 95.1209% | 2,112 |
| Total domestic deposits to total assets | 85.9261% | 3,400 |
| Equity capital to assets | 13.6968% | 1,127 |
| Core capital (leverage) ratio | 13.9576% | 854 |
| Tier 1 risk-based capital ratio | 17.1100% | 2,312 |
| Total risk-based capital ratio | 18.3647% | 2,278 |
| Memoranda: | ||
| Average total assets | $73,065,800 | 5,783 |
| Average earning assets | $65,716,800 | 5,809 |
| Average equity | $11,035,200 | 4,854 |
| Average total loans | $58,463,600 | 5,133 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5200% | 325 |
| Cost of funding earning assets | 2.4510% | 171 |
| Net interest margin | 4.0690% | 2,767 |
| Noninterest income to average assets | 0.2510% | 6,092 |
| Noninterest expense to average assets | 3.0326% | 3,634 |
| Loan and lease loss provision to assets | 0.2491% | 4,600 |
| Net operating income to assets | 0.6200% | 3,794 |
| Return on assets (ROA) | 0.6200% | 3,960 |
| Pretax return on assets | 0.6200% | 4,531 |
| Return on Equity (ROE) | 3.9997% | 4,779 |
| Retained earnings to average equity (ytd only) | 3.9997% | 3,664 |
| Net charge-offs to loans | 0.0873% | 5,659 |
| Credit loss provision to net charge-offs | 350.0000% | 901 |
| Earnings coverage of net charge-offs (x) | 12.2094% | 1,712 |
| Efficiency ratio | 77.7244% | 2,659 |
| Assets per employee ($millions) | 3.1143% | 5,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8051% | 2,767 |
| Loan loss allowance to noncurrent loans | 39.8810% | 5,638 |
| Noncurrent assets plus other real estate owned to assets | 3.9239% | 1,794 |
| Noncurrent loans to loans | 4.5263% | 1,595 |
| Net loans and leases to total assets | 74.8989% | 1,600 |
| Net loans and leases to deposits | 87.7760% | 2,040 |
| Net loans and leases to core deposits | 101.7288% | 1,683 |
| Total domestic deposits to total assets | 85.3295% | 3,448 |
| Equity capital to assets | 14.3340% | 1,072 |
| Core capital (leverage) ratio | 14.6277% | 792 |
| Tier 1 risk-based capital ratio | 17.2445% | 2,265 |
| Total risk-based capital ratio | 18.5003% | 2,218 |
| Memoranda: | ||
| Average total assets | $71,179,750 | 5,911 |
| Average earning assets | $63,863,750 | 5,924 |
| Average equity | $11,033,750 | 4,914 |
| Average total loans | $58,052,250 | 5,232 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6279% | 276 |
| Cost of funding earning assets | 2.4717% | 192 |
| Net interest margin | 4.1562% | 2,308 |
| Noninterest income to average assets | 0.2610% | 6,054 |
| Noninterest expense to average assets | 3.5879% | 1,809 |
| Loan and lease loss provision to assets | 0.2581% | 4,354 |
| Net operating income to assets | 0.1363% | 5,766 |
| Return on assets (ROA) | 0.1363% | 5,877 |
| Pretax return on assets | 0.1363% | 5,911 |
| Return on Equity (ROE) | 0.8552% | 5,989 |
| Retained earnings to average equity (ytd only) | 0.8552% | 5,422 |
| Net charge-offs to loans | 0.1111% | 5,046 |
| Credit loss provision to net charge-offs | 278.1250% | 1,338 |
| Earnings coverage of net charge-offs (x) | 4.2500% | 3,010 |
| Efficiency ratio | 90.0947% | 1,327 |
| Assets per employee ($millions) | 2.5331% | 7,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7768% | 2,796 |
| Loan loss allowance to noncurrent loans | 44.5114% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 3.7927% | 1,837 |
| Noncurrent loans to loans | 3.9918% | 1,897 |
| Net loans and leases to total assets | 80.5924% | 715 |
| Net loans and leases to deposits | 95.9029% | 1,057 |
| Net loans and leases to core deposits | 109.8553% | 1,170 |
| Total domestic deposits to total assets | 84.0355% | 4,091 |
| Equity capital to assets | 15.6149% | 745 |
| Core capital (leverage) ratio | 15.4627% | 640 |
| Tier 1 risk-based capital ratio | 17.7521% | 2,015 |
| Total risk-based capital ratio | 19.0071% | 1,986 |
| Memoranda: | ||
| Average total assets | $68,954,000 | 6,007 |
| Average earning assets | $61,739,000 | 6,034 |
| Average equity | $10,991,670 | 4,923 |
| Average total loans | $57,607,670 | 5,284 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6530% | 283 |
| Cost of funding earning assets | 2.4809% | 236 |
| Net interest margin | 4.1721% | 2,143 |
| Noninterest income to average assets | 0.2531% | 6,127 |
| Noninterest expense to average assets | 3.6370% | 1,648 |
| Loan and lease loss provision to assets | 0.2648% | 3,911 |
| Net operating income to assets | 0.0824% | 6,070 |
| Return on assets (ROA) | 0.0824% | 6,179 |
| Pretax return on assets | 0.0824% | 6,182 |
| Return on Equity (ROE) | 0.5114% | 6,267 |
| Retained earnings to average equity (ytd only) | 0.5114% | 5,626 |
| Net charge-offs to loans | 0.0837% | 4,590 |
| Credit loss provision to net charge-offs | 375.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 4.9167% | 2,515 |
| Efficiency ratio | 91.2851% | 1,330 |
| Assets per employee ($millions) | 2.4688% | 7,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7919% | 2,761 |
| Loan loss allowance to noncurrent loans | 37.5325% | 5,862 |
| Noncurrent assets plus other real estate owned to assets | 4.5005% | 1,497 |
| Noncurrent loans to loans | 4.7743% | 1,539 |
| Net loans and leases to total assets | 80.0770% | 838 |
| Net loans and leases to deposits | 95.6308% | 1,155 |
| Net loans and leases to core deposits | 108.3079% | 1,398 |
| Total domestic deposits to total assets | 83.7355% | 4,277 |
| Equity capital to assets | 15.8681% | 692 |
| Core capital (leverage) ratio | 15.6738% | 630 |
| Tier 1 risk-based capital ratio | 18.1466% | 1,910 |
| Total risk-based capital ratio | 19.4016% | 1,883 |
| Memoranda: | ||
| Average total assets | $67,968,000 | 6,108 |
| Average earning assets | $60,784,500 | 6,142 |
| Average equity | $10,950,000 | 4,990 |
| Average total loans | $57,314,000 | 5,369 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7429% | 417 |
| Cost of funding earning assets | 2.8186% | 424 |
| Net interest margin | 3.9243% | 3,176 |
| Noninterest income to average assets | 0.2096% | 6,605 |
| Noninterest expense to average assets | 3.5490% | 2,274 |
| Loan and lease loss provision to assets | 0.6451% | 3,224 |
| Net operating income to assets | -0.4532% | 6,129 |
| Return on assets (ROA) | -0.3750% | 6,042 |
| Pretax return on assets | -0.3750% | 5,893 |
| Return on Equity (ROE) | -2.2882% | 5,897 |
| Retained earnings to average equity (ytd only) | -2.2882% | 5,578 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8698% | 1,356 |
| Assets per employee ($millions) | 2.3861% | 7,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6769% | 2,979 |
| Loan loss allowance to noncurrent loans | 33.4017% | 6,218 |
| Noncurrent assets plus other real estate owned to assets | 4.3781% | 1,481 |
| Noncurrent loans to loans | 5.0203% | 1,347 |
| Net loans and leases to total assets | 85.7461% | 298 |
| Net loans and leases to deposits | 102.9601% | 697 |
| Net loans and leases to core deposits | 156.3254% | 389 |
| Total domestic deposits to total assets | 83.2809% | 4,392 |
| Equity capital to assets | 16.3613% | 649 |
| Core capital (leverage) ratio | 14.8874% | 808 |
| Tier 1 risk-based capital ratio | 17.7506% | 1,957 |
| Total risk-based capital ratio | 19.0053% | 1,912 |
| Memoranda: | ||
| Average total assets | $67,737,000 | 6,087 |
| Average earning assets | $60,953,200 | 6,093 |
| Average equity | $11,100,400 | 4,997 |
| Average total loans | $55,713,400 | 5,430 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7371% | 474 |
| Cost of funding earning assets | 2.8342% | 551 |
| Net interest margin | 3.9030% | 3,230 |
| Noninterest income to average assets | 0.1981% | 6,799 |
| Noninterest expense to average assets | 3.5094% | 2,258 |
| Loan and lease loss provision to assets | 0.2197% | 5,221 |
| Net operating income to assets | -0.0137% | 5,731 |
| Return on assets (ROA) | 0.0902% | 5,546 |
| Pretax return on assets | 0.0902% | 5,543 |
| Return on Equity (ROE) | 0.5504% | 5,633 |
| Retained earnings to average equity (ytd only) | 0.5504% | 4,978 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4562% | 1,372 |
| Assets per employee ($millions) | 2.7503% | 6,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 5,461 |
| Loan loss allowance to noncurrent loans | 124.9042% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.6779% | 5,791 |
| Noncurrent loans to loans | 0.9147% | 5,464 |
| Net loans and leases to total assets | 73.2573% | 2,721 |
| Net loans and leases to deposits | 86.1164% | 3,295 |
| Net loans and leases to core deposits | 136.1769% | 1,088 |
| Total domestic deposits to total assets | 85.0678% | 3,198 |
| Equity capital to assets | 14.5634% | 1,122 |
| Core capital (leverage) ratio | 14.5472% | 945 |
| Tier 1 risk-based capital ratio | 17.9587% | 2,003 |
| Total risk-based capital ratio | 19.0255% | 1,998 |
| Memoranda: | ||
| Average total assets | $67,968,750 | 6,105 |
| Average earning assets | $61,251,250 | 6,135 |
| Average equity | $11,142,750 | 5,034 |
| Average total loans | $55,075,750 | 5,511 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0008% | 316 |
| Cost of funding earning assets | 2.8511% | 690 |
| Net interest margin | 4.1496% | 2,158 |
| Noninterest income to average assets | 0.1940% | 6,905 |
| Noninterest expense to average assets | 3.5563% | 2,170 |
| Loan and lease loss provision to assets | 0.3449% | 3,861 |
| Net operating income to assets | 0.0123% | 5,799 |
| Return on assets (ROA) | 0.0123% | 5,879 |
| Pretax return on assets | 0.0123% | 5,838 |
| Return on Equity (ROE) | 0.0720% | 5,896 |
| Retained earnings to average equity (ytd only) | 0.0720% | 5,175 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8733% | 1,738 |
| Assets per employee ($millions) | 2.5394% | 7,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 5,076 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 76.7886% | 1,991 |
| Net loans and leases to deposits | 91.4326% | 2,585 |
| Net loans and leases to core deposits | 148.7225% | 686 |
| Total domestic deposits to total assets | 83.9838% | 3,786 |
| Equity capital to assets | 15.6618% | 892 |
| Core capital (leverage) ratio | 16.1191% | 729 |
| Tier 1 risk-based capital ratio | 18.3820% | 1,902 |
| Total risk-based capital ratio | 19.4804% | 1,899 |
| Memoranda: | ||
| Average total assets | $64,955,670 | 6,262 |
| Average earning assets | $58,222,330 | 6,305 |
| Average equity | $11,118,670 | 5,051 |
| Average total loans | $54,412,330 | 5,584 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2133% | 248 |
| Cost of funding earning assets | 2.8491% | 870 |
| Net interest margin | 4.3642% | 1,432 |
| Noninterest income to average assets | 0.1681% | 7,103 |
| Noninterest expense to average assets | 3.4453% | 2,244 |
| Loan and lease loss provision to assets | 0.3943% | 2,963 |
| Net operating income to assets | 0.2198% | 5,603 |
| Return on assets (ROA) | 0.2198% | 5,763 |
| Pretax return on assets | 0.2198% | 5,890 |
| Return on Equity (ROE) | 1.2241% | 6,064 |
| Retained earnings to average equity (ytd only) | 1.2241% | 5,150 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8726% | 2,207 |
| Assets per employee ($millions) | 2.7403% | 6,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 5,389 |
| Loan loss allowance to noncurrent loans | 751.2500% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 7,206 |
| Noncurrent loans to loans | 0.1479% | 7,095 |
| Net loans and leases to total assets | 84.8412% | 570 |
| Net loans and leases to deposits | 103.4755% | 1,049 |
| Net loans and leases to core deposits | 179.5990% | 238 |
| Total domestic deposits to total assets | 81.9916% | 4,549 |
| Equity capital to assets | 17.6752% | 646 |
| Core capital (leverage) ratio | 17.7832% | 580 |
| Tier 1 risk-based capital ratio | 19.2453% | 1,768 |
| Total risk-based capital ratio | 20.3050% | 1,765 |
| Memoranda: | ||
| Average total assets | $61,882,000 | 6,405 |
| Average earning assets | $55,176,000 | 6,449 |
| Average equity | $11,110,000 | 5,077 |
| Average total loans | $53,993,000 | 5,634 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7640% | 256 |
| Cost of funding earning assets | 3.2097% | 1,159 |
| Net interest margin | 4.5544% | 1,301 |
| Noninterest income to average assets | 0.2166% | 6,882 |
| Noninterest expense to average assets | 4.4171% | 934 |
| Loan and lease loss provision to assets | 0.2063% | 4,828 |
| Net operating income to assets | -0.3610% | 6,784 |
| Return on assets (ROA) | -0.3610% | 6,656 |
| Pretax return on assets | -0.3610% | 6,509 |
| Return on Equity (ROE) | -1.5718% | 6,445 |
| Retained earnings to average equity (ytd only) | -1.5718% | 5,757 |
| Net charge-offs to loans | 0.1423% | 4,791 |
| Credit loss provision to net charge-offs | 166.6667% | 3,080 |
| Earnings coverage of net charge-offs (x) | -1.2500% | 6,633 |
| Efficiency ratio | 103.6302% | 879 |
| Assets per employee ($millions) | 2.6408% | 6,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 6,037 |
| Loan loss allowance to noncurrent loans | 675.0000% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 7,058 |
| Noncurrent loans to loans | 0.1484% | 6,967 |
| Net loans and leases to total assets | 87.8741% | 381 |
| Net loans and leases to deposits | 107.8896% | 984 |
| Net loans and leases to core deposits | 192.0030% | 207 |
| Total domestic deposits to total assets | 81.4482% | 4,437 |
| Equity capital to assets | 18.2423% | 621 |
| Core capital (leverage) ratio | 19.2502% | 495 |
| Tier 1 risk-based capital ratio | 19.4722% | 1,708 |
| Total risk-based capital ratio | 20.4409% | 1,726 |
| Memoranda: | ||
| Average total assets | $48,470,200 | 6,841 |
| Average earning assets | $43,057,600 | 6,900 |
| Average equity | $11,133,400 | 5,089 |
| Average total loans | $42,162,000 | 6,067 |