Home > Alliance Banking Company > Performance and Condition Ratios
Alliance Banking Company, Performance and Condition Ratios
| 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 | 3.9999% | 3,305 |
| Cost of funding earning assets | 0.7225% | 724 |
| Net interest margin | 3.2774% | 4,381 |
| Noninterest income to average assets | 0.2148% | 5,309 |
| Noninterest expense to average assets | 4.1185% | 592 |
| Loan and lease loss provision to assets | 0.4815% | 241 |
| Net operating income to assets | -1.3567% | 6,121 |
| Return on assets (ROA) | -1.3567% | 6,123 |
| Pretax return on assets | -1.3567% | 6,121 |
| Return on Equity (ROE) | -14.1666% | 6,118 |
| Retained earnings to average equity (ytd only) | -14.1666% | 6,081 |
| Net charge-offs to loans | 0.6482% | 368 |
| Credit loss provision to net charge-offs | 105.0781% | 2,391 |
| Earnings coverage of net charge-offs (x) | -1.9102% | 4,356 |
| Efficiency ratio | 126.9868% | 77 |
| Assets per employee ($millions) | 4.1781% | 3,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7284% | 1,290 |
| Loan loss allowance to noncurrent loans | 252.6971% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 1.9905% | 888 |
| Noncurrent loans to loans | 0.6840% | 3,152 |
| Net loans and leases to total assets | 69.0628% | 2,533 |
| Net loans and leases to deposits | 80.7227% | 2,739 |
| Net loans and leases to core deposits | 82.9365% | 3,057 |
| Total domestic deposits to total assets | 85.5556% | 2,836 |
| Equity capital to assets | 9.9547% | 4,012 |
| Core capital (leverage) ratio | 9.5387% | 4,119 |
| Tier 1 risk-based capital ratio | 16.3108% | 2,561 |
| Total risk-based capital ratio | 17.5697% | 2,519 |
| Memoranda: | ||
| Average total assets | $55,870,400 | 5,410 |
| Average earning assets | $51,626,200 | 5,400 |
| Average equity | $5,350,600 | 5,572 |
| Average total loans | $39,494,000 | 5,033 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0210% | 3,254 |
| Cost of funding earning assets | 0.7306% | 712 |
| Net interest margin | 3.2904% | 4,398 |
| Noninterest income to average assets | 0.2234% | 5,318 |
| Noninterest expense to average assets | 4.0532% | 629 |
| Loan and lease loss provision to assets | 0.6259% | 141 |
| Net operating income to assets | -1.4170% | 6,212 |
| Return on assets (ROA) | -1.4170% | 6,212 |
| Pretax return on assets | -1.4170% | 6,208 |
| Return on Equity (ROE) | -14.9247% | 6,211 |
| Retained earnings to average equity (ytd only) | -14.9247% | 6,177 |
| Net charge-offs to loans | 0.9303% | 207 |
| Credit loss provision to net charge-offs | 95.0530% | 2,389 |
| Earnings coverage of net charge-offs (x) | -1.2014% | 4,060 |
| Efficiency ratio | 124.2511% | 85 |
| Assets per employee ($millions) | 4.5265% | 2,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6380% | 1,642 |
| Loan loss allowance to noncurrent loans | 237.5510% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 2.4025% | 742 |
| Noncurrent loans to loans | 0.6895% | 3,253 |
| Net loans and leases to total assets | 64.3415% | 3,249 |
| Net loans and leases to deposits | 75.0494% | 3,419 |
| Net loans and leases to core deposits | 76.8397% | 3,708 |
| Total domestic deposits to total assets | 85.7322% | 2,676 |
| Equity capital to assets | 9.4812% | 4,776 |
| Core capital (leverage) ratio | 9.2640% | 4,638 |
| Tier 1 risk-based capital ratio | 16.5876% | 2,531 |
| Total risk-based capital ratio | 17.8469% | 2,487 |
| Memoranda: | ||
| Average total assets | $57,303,750 | 5,447 |
| Average earning assets | $52,920,750 | 5,431 |
| Average equity | $5,440,500 | 5,623 |
| Average total loans | $40,558,750 | 5,036 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0534% | 3,058 |
| Cost of funding earning assets | 0.7299% | 718 |
| Net interest margin | 3.3235% | 4,200 |
| Noninterest income to average assets | 0.3534% | 4,432 |
| Noninterest expense to average assets | 3.9761% | 695 |
| Loan and lease loss provision to assets | 0.9160% | 80 |
| Net operating income to assets | -1.4614% | 6,287 |
| Return on assets (ROA) | -1.4614% | 6,285 |
| Pretax return on assets | -1.4614% | 6,280 |
| Return on Equity (ROE) | -15.3865% | 6,279 |
| Retained earnings to average equity (ytd only) | -15.3865% | 6,234 |
| Net charge-offs to loans | 1.3543% | 135 |
| Credit loss provision to net charge-offs | 93.3566% | 2,160 |
| Earnings coverage of net charge-offs (x) | -0.5559% | 3,753 |
| Efficiency ratio | 115.9000% | 128 |
| Assets per employee ($millions) | 3.9996% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4628% | 2,442 |
| Loan loss allowance to noncurrent loans | 65.4938% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 3.9629% | 337 |
| Noncurrent loans to loans | 2.2334% | 1,070 |
| Net loans and leases to total assets | 69.4164% | 2,424 |
| Net loans and leases to deposits | 81.1444% | 2,652 |
| Net loans and leases to core deposits | 83.4690% | 3,035 |
| Total domestic deposits to total assets | 85.5467% | 2,897 |
| Equity capital to assets | 9.5171% | 4,629 |
| Core capital (leverage) ratio | 9.2880% | 4,570 |
| Tier 1 risk-based capital ratio | 15.6567% | 3,017 |
| Total risk-based capital ratio | 16.9134% | 2,971 |
| Memoranda: | ||
| Average total assets | $58,299,000 | 5,480 |
| Average earning assets | $53,979,000 | 5,461 |
| Average equity | $5,537,330 | 5,655 |
| Average total loans | $42,234,670 | 5,021 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1162% | 2,770 |
| Cost of funding earning assets | 0.7392% | 700 |
| Net interest margin | 3.3771% | 3,926 |
| Noninterest income to average assets | 0.4104% | 3,920 |
| Noninterest expense to average assets | 3.8822% | 791 |
| Loan and lease loss provision to assets | 1.3187% | 50 |
| Net operating income to assets | -1.6551% | 6,356 |
| Return on assets (ROA) | -1.6551% | 6,358 |
| Pretax return on assets | -1.6551% | 6,354 |
| Return on Equity (ROE) | -17.4422% | 6,352 |
| Retained earnings to average equity (ytd only) | -17.4422% | 6,247 |
| Net charge-offs to loans | 2.5579% | 59 |
| Credit loss provision to net charge-offs | 70.2509% | 1,913 |
| Earnings coverage of net charge-offs (x) | -0.1792% | 3,126 |
| Efficiency ratio | 109.4877% | 199 |
| Assets per employee ($millions) | 3.8647% | 4,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 3,864 |
| Loan loss allowance to noncurrent loans | 92.4324% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 2.9015% | 669 |
| Noncurrent loans to loans | 1.3165% | 2,183 |
| Net loans and leases to total assets | 71.8389% | 1,833 |
| Net loans and leases to deposits | 84.4007% | 2,018 |
| Net loans and leases to core deposits | 86.7405% | 2,467 |
| Total domestic deposits to total assets | 85.1164% | 3,350 |
| Equity capital to assets | 9.5170% | 4,733 |
| Core capital (leverage) ratio | 9.2468% | 4,654 |
| Tier 1 risk-based capital ratio | 14.7691% | 3,565 |
| Total risk-based capital ratio | 16.0204% | 3,490 |
| Memoranda: | ||
| Average total assets | $59,451,500 | 5,510 |
| Average earning assets | $55,196,000 | 5,485 |
| Average equity | $5,641,500 | 5,693 |
| Average total loans | $43,629,000 | 4,997 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5428% | 1,719 |
| Cost of funding earning assets | 0.7366% | 912 |
| Net interest margin | 3.8062% | 2,606 |
| Noninterest income to average assets | 0.1204% | 6,084 |
| Noninterest expense to average assets | 3.6762% | 1,192 |
| Loan and lease loss provision to assets | 0.3938% | 454 |
| Net operating income to assets | -0.4345% | 6,281 |
| Return on assets (ROA) | -0.4345% | 6,282 |
| Pretax return on assets | -0.4345% | 6,267 |
| Return on Equity (ROE) | -4.4553% | 6,277 |
| Retained earnings to average equity (ytd only) | -4.4553% | 6,159 |
| Net charge-offs to loans | 0.4690% | 889 |
| Credit loss provision to net charge-offs | 107.0796% | 2,234 |
| Earnings coverage of net charge-offs (x) | -0.1106% | 4,726 |
| Efficiency ratio | 101.1191% | 342 |
| Assets per employee ($millions) | 4.0622% | 3,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 3,308 |
| Loan loss allowance to noncurrent loans | 46.1658% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 3.9831% | 421 |
| Noncurrent loans to loans | 2.8625% | 807 |
| Net loans and leases to total assets | 73.0376% | 1,750 |
| Net loans and leases to deposits | 85.9864% | 1,989 |
| Net loans and leases to core deposits | 88.7029% | 2,420 |
| Total domestic deposits to total assets | 84.9408% | 3,310 |
| Equity capital to assets | 9.4629% | 4,763 |
| Core capital (leverage) ratio | 9.3889% | 4,401 |
| Tier 1 risk-based capital ratio | 14.2305% | 3,941 |
| Total risk-based capital ratio | 15.4837% | 3,872 |
| Memoranda: | ||
| Average total assets | $61,448,800 | 5,512 |
| Average earning assets | $56,749,000 | 5,501 |
| Average equity | $5,992,800 | 5,622 |
| Average total loans | $48,192,000 | 4,877 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5700% | 1,643 |
| Cost of funding earning assets | 0.7327% | 978 |
| Net interest margin | 3.8373% | 2,486 |
| Noninterest income to average assets | 0.1754% | 5,868 |
| Noninterest expense to average assets | 3.5748% | 1,338 |
| Loan and lease loss provision to assets | 0.0996% | 2,380 |
| Net operating income to assets | 0.0390% | 6,104 |
| Return on assets (ROA) | 0.0390% | 6,126 |
| Pretax return on assets | 0.0390% | 6,118 |
| Return on Equity (ROE) | 0.3967% | 6,117 |
| Retained earnings to average equity (ytd only) | 0.3967% | 5,690 |
| Net charge-offs to loans | 0.1144% | 2,657 |
| Credit loss provision to net charge-offs | 109.5238% | 2,048 |
| Earnings coverage of net charge-offs (x) | 1.5238% | 4,140 |
| Efficiency ratio | 96.2682% | 495 |
| Assets per employee ($millions) | 5.1253% | 2,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 4,356 |
| Loan loss allowance to noncurrent loans | 78.2842% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 3.1380% | 729 |
| Noncurrent loans to loans | 1.5018% | 2,161 |
| Net loans and leases to total assets | 79.8176% | 737 |
| Net loans and leases to deposits | 94.9775% | 962 |
| Net loans and leases to core deposits | 97.5770% | 1,547 |
| Total domestic deposits to total assets | 84.0384% | 3,742 |
| Equity capital to assets | 9.8303% | 4,386 |
| Core capital (leverage) ratio | 9.6762% | 4,118 |
| Tier 1 risk-based capital ratio | 13.6266% | 4,459 |
| Total risk-based capital ratio | 14.8693% | 4,406 |
| Memoranda: | ||
| Average total assets | $61,577,750 | 5,576 |
| Average earning assets | $56,774,250 | 5,549 |
| Average equity | $6,049,500 | 5,667 |
| Average total loans | $48,965,000 | 4,903 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5618% | 1,639 |
| Cost of funding earning assets | 0.7273% | 1,035 |
| Net interest margin | 3.8345% | 2,435 |
| Noninterest income to average assets | 0.2922% | 5,082 |
| Noninterest expense to average assets | 3.4512% | 1,571 |
| Loan and lease loss provision to assets | 0.1006% | 2,340 |
| Net operating income to assets | 0.2662% | 5,675 |
| Return on assets (ROA) | 0.2662% | 5,748 |
| Pretax return on assets | 0.2662% | 5,844 |
| Return on Equity (ROE) | 2.7104% | 5,621 |
| Retained earnings to average equity (ytd only) | 2.7104% | 4,475 |
| Net charge-offs to loans | 0.0821% | 2,871 |
| Credit loss provision to net charge-offs | 155.0000% | 1,426 |
| Earnings coverage of net charge-offs (x) | 5.6500% | 2,892 |
| Efficiency ratio | 90.3912% | 889 |
| Assets per employee ($millions) | 4.4459% | 3,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 4,500 |
| Loan loss allowance to noncurrent loans | 311.0526% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 2.6846% | 999 |
| Noncurrent loans to loans | 0.3805% | 4,852 |
| Net loans and leases to total assets | 79.2732% | 770 |
| Net loans and leases to deposits | 94.5756% | 916 |
| Net loans and leases to core deposits | 98.1384% | 1,434 |
| Total domestic deposits to total assets | 83.8199% | 3,987 |
| Equity capital to assets | 9.8099% | 4,335 |
| Core capital (leverage) ratio | 9.9748% | 3,650 |
| Tier 1 risk-based capital ratio | 13.5126% | 4,569 |
| Total risk-based capital ratio | 14.7586% | 4,515 |
| Memoranda: | ||
| Average total assets | $61,602,330 | 5,622 |
| Average earning assets | $56,644,000 | 5,594 |
| Average equity | $6,050,670 | 5,708 |
| Average total loans | $48,728,330 | 4,944 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5350% | 1,691 |
| Cost of funding earning assets | 0.7262% | 1,098 |
| Net interest margin | 3.8088% | 2,435 |
| Noninterest income to average assets | 0.3394% | 4,660 |
| Noninterest expense to average assets | 3.3941% | 1,715 |
| Loan and lease loss provision to assets | 0.1044% | 2,180 |
| Net operating income to assets | 0.3329% | 5,382 |
| Return on assets (ROA) | 0.3329% | 5,433 |
| Pretax return on assets | 0.3329% | 5,645 |
| Return on Equity (ROE) | 3.3870% | 5,321 |
| Retained earnings to average equity (ytd only) | 3.3870% | 4,097 |
| Net charge-offs to loans | 0.1080% | 2,099 |
| Credit loss provision to net charge-offs | 123.0769% | 1,432 |
| Earnings coverage of net charge-offs (x) | 5.1538% | 2,416 |
| Efficiency ratio | 88.5860% | 1,168 |
| Assets per employee ($millions) | 4.0603% | 3,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2014% | 4,629 |
| Loan loss allowance to noncurrent loans | 221.6730% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 3.3281% | 796 |
| Noncurrent loans to loans | 0.5420% | 4,544 |
| Net loans and leases to total assets | 78.7193% | 688 |
| Net loans and leases to deposits | 90.0594% | 1,144 |
| Net loans and leases to core deposits | 93.3725% | 1,605 |
| Total domestic deposits to total assets | 87.4083% | 2,563 |
| Equity capital to assets | 9.9450% | 3,907 |
| Core capital (leverage) ratio | 9.9683% | 3,614 |
| Tier 1 risk-based capital ratio | 14.0215% | 4,323 |
| Total risk-based capital ratio | 15.2654% | 4,262 |
| Memoranda: | ||
| Average total assets | $61,282,000 | 5,677 |
| Average earning assets | $56,185,000 | 5,659 |
| Average equity | $6,023,000 | 5,741 |
| Average total loans | $48,126,000 | 5,002 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5703% | 1,960 |
| Cost of funding earning assets | 0.7487% | 1,503 |
| Net interest margin | 3.8216% | 2,568 |
| Noninterest income to average assets | 0.2849% | 5,319 |
| Noninterest expense to average assets | 3.3234% | 2,078 |
| Loan and lease loss provision to assets | 0.0900% | 3,312 |
| Net operating income to assets | 0.3832% | 5,205 |
| Return on assets (ROA) | 0.4198% | 5,191 |
| Pretax return on assets | 0.4198% | 5,441 |
| Return on Equity (ROE) | 4.2553% | 4,992 |
| Retained earnings to average equity (ytd only) | 4.2553% | 3,149 |
| Net charge-offs to loans | 0.0085% | 5,284 |
| Credit loss provision to net charge-offs | 1,350.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 71.0000% | 602 |
| Efficiency ratio | 87.5384% | 1,263 |
| Assets per employee ($millions) | 4.1106% | 3,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 4,577 |
| Loan loss allowance to noncurrent loans | 221.3740% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 3.3247% | 907 |
| Noncurrent loans to loans | 0.5490% | 4,617 |
| Net loans and leases to total assets | 76.4609% | 1,008 |
| Net loans and leases to deposits | 87.4400% | 1,527 |
| Net loans and leases to core deposits | 89.7453% | 2,054 |
| Total domestic deposits to total assets | 87.4438% | 2,498 |
| Equity capital to assets | 9.7131% | 4,153 |
| Core capital (leverage) ratio | 9.8747% | 3,736 |
| Tier 1 risk-based capital ratio | 13.7771% | 4,454 |
| Total risk-based capital ratio | 15.0189% | 4,410 |
| Memoranda: | ||
| Average total assets | $60,028,400 | 5,752 |
| Average earning assets | $55,160,000 | 5,727 |
| Average equity | $5,922,000 | 5,838 |
| Average total loans | $47,191,600 | 5,059 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6061% | 1,881 |
| Cost of funding earning assets | 0.7539% | 1,575 |
| Net interest margin | 3.8522% | 2,454 |
| Noninterest income to average assets | 0.3757% | 4,702 |
| Noninterest expense to average assets | 3.3142% | 2,043 |
| Loan and lease loss provision to assets | 0.0984% | 3,119 |
| Net operating income to assets | 0.5054% | 4,769 |
| Return on assets (ROA) | 0.5546% | 4,707 |
| Pretax return on assets | 0.5546% | 5,191 |
| Return on Equity (ROE) | 5.5994% | 4,416 |
| Retained earnings to average equity (ytd only) | 5.5994% | 2,662 |
| Net charge-offs to loans | 0.0680% | 3,949 |
| Credit loss provision to net charge-offs | 183.3333% | 1,321 |
| Earnings coverage of net charge-offs (x) | 11.2497% | 2,259 |
| Efficiency ratio | 84.5890% | 1,525 |
| Assets per employee ($millions) | 3.7556% | 4,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 5,104 |
| Loan loss allowance to noncurrent loans | 763.8889% | 617 |
| Noncurrent assets plus other real estate owned to assets | 2.3332% | 1,686 |
| Noncurrent loans to loans | 0.1510% | 5,867 |
| Net loans and leases to total assets | 78.4207% | 704 |
| Net loans and leases to deposits | 90.3016% | 1,130 |
| Net loans and leases to core deposits | 91.7379% | 1,786 |
| Total domestic deposits to total assets | 86.8431% | 2,780 |
| Equity capital to assets | 9.9784% | 3,929 |
| Core capital (leverage) ratio | 10.1787% | 3,429 |
| Tier 1 risk-based capital ratio | 13.8361% | 4,547 |
| Total risk-based capital ratio | 15.0771% | 4,506 |
| Memoranda: | ||
| Average total assets | $59,620,750 | 5,831 |
| Average earning assets | $54,824,250 | 5,801 |
| Average equity | $5,905,250 | 5,914 |
| Average total loans | $47,058,250 | 5,109 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5716% | 1,939 |
| Cost of funding earning assets | 0.7583% | 1,656 |
| Net interest margin | 3.8133% | 2,503 |
| Noninterest income to average assets | 0.3498% | 4,891 |
| Noninterest expense to average assets | 3.3196% | 2,020 |
| Loan and lease loss provision to assets | 0.0975% | 3,163 |
| Net operating income to assets | 0.4339% | 5,091 |
| Return on assets (ROA) | 0.5079% | 4,934 |
| Pretax return on assets | 0.5079% | 5,342 |
| Return on Equity (ROE) | 5.1404% | 4,645 |
| Retained earnings to average equity (ytd only) | 5.1404% | 2,963 |
| Net charge-offs to loans | -0.0341% | 6,133 |
| Credit loss provision to net charge-offs | -362.5000% | 5,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2009% | 1,397 |
| Assets per employee ($millions) | 3.9812% | 3,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1675% | 5,158 |
| Loan loss allowance to noncurrent loans | 555.8824% | 784 |
| Noncurrent assets plus other real estate owned to assets | 2.3979% | 1,773 |
| Noncurrent loans to loans | 0.2100% | 5,780 |
| Net loans and leases to total assets | 80.3778% | 502 |
| Net loans and leases to deposits | 94.9198% | 743 |
| Net loans and leases to core deposits | 95.9942% | 1,358 |
| Total domestic deposits to total assets | 84.6797% | 4,049 |
| Equity capital to assets | 9.8881% | 4,072 |
| Core capital (leverage) ratio | 10.1426% | 3,303 |
| Tier 1 risk-based capital ratio | 13.4055% | 4,833 |
| Total risk-based capital ratio | 14.6437% | 4,794 |
| Memoranda: | ||
| Average total assets | $59,464,330 | 5,865 |
| Average earning assets | $54,598,000 | 5,840 |
| Average equity | $5,875,000 | 5,958 |
| Average total loans | $46,853,330 | 5,142 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5559% | 1,967 |
| Cost of funding earning assets | 0.7802% | 1,643 |
| Net interest margin | 3.7757% | 2,539 |
| Noninterest income to average assets | 0.5191% | 3,640 |
| Noninterest expense to average assets | 3.2627% | 2,180 |
| Loan and lease loss provision to assets | 0.0944% | 3,089 |
| Net operating income to assets | 0.6202% | 4,118 |
| Return on assets (ROA) | 0.7685% | 3,481 |
| Pretax return on assets | 0.7685% | 4,302 |
| Return on Equity (ROE) | 7.7816% | 3,083 |
| Retained earnings to average equity (ytd only) | 7.7816% | 1,831 |
| Net charge-offs to loans | -0.0261% | 5,835 |
| Credit loss provision to net charge-offs | -466.6667% | 5,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0339% | 2,033 |
| Assets per employee ($millions) | 3.9455% | 4,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 5,203 |
| Loan loss allowance to noncurrent loans | 309.0395% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 2.9721% | 1,511 |
| Noncurrent loans to loans | 0.3870% | 5,446 |
| Net loans and leases to total assets | 76.3648% | 795 |
| Net loans and leases to deposits | 88.3750% | 1,108 |
| Net loans and leases to core deposits | 89.3606% | 1,769 |
| Total domestic deposits to total assets | 86.4099% | 3,297 |
| Equity capital to assets | 9.9725% | 4,185 |
| Core capital (leverage) ratio | 9.9556% | 3,449 |
| Tier 1 risk-based capital ratio | 14.1655% | 4,385 |
| Total risk-based capital ratio | 15.4171% | 4,348 |
| Memoranda: | ||
| Average total assets | $59,337,500 | 5,921 |
| Average earning assets | $54,347,500 | 5,894 |
| Average equity | $5,860,000 | 6,017 |
| Average total loans | $45,996,500 | 5,215 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7911% | 2,233 |
| Cost of funding earning assets | 0.9309% | 1,756 |
| Net interest margin | 3.8603% | 2,986 |
| Noninterest income to average assets | 0.2237% | 5,840 |
| Noninterest expense to average assets | 3.3829% | 2,096 |
| Loan and lease loss provision to assets | 0.0584% | 5,043 |
| Net operating income to assets | 0.3139% | 5,418 |
| Return on assets (ROA) | 0.3139% | 5,626 |
| Pretax return on assets | 0.3139% | 5,796 |
| Return on Equity (ROE) | 3.3312% | 5,413 |
| Retained earnings to average equity (ytd only) | 3.3312% | 3,878 |
| Net charge-offs to loans | 0.7777% | 1,507 |
| Credit loss provision to net charge-offs | 9.6685% | 5,401 |
| Earnings coverage of net charge-offs (x) | 0.6160% | 5,180 |
| Efficiency ratio | 90.0845% | 1,062 |
| Assets per employee ($millions) | 3.7183% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1459% | 5,360 |
| Loan loss allowance to noncurrent loans | 97.6059% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 3.1685% | 1,471 |
| Noncurrent loans to loans | 1.1740% | 3,893 |
| Net loans and leases to total assets | 76.8523% | 810 |
| Net loans and leases to deposits | 88.9392% | 1,172 |
| Net loans and leases to core deposits | 89.8569% | 1,852 |
| Total domestic deposits to total assets | 86.4099% | 3,146 |
| Equity capital to assets | 9.7795% | 4,485 |
| Core capital (leverage) ratio | 9.9049% | 3,536 |
| Tier 1 risk-based capital ratio | 13.5966% | 4,673 |
| Total risk-based capital ratio | 14.8474% | 4,624 |
| Memoranda: | ||
| Average total assets | $59,889,800 | 5,926 |
| Average earning assets | $54,788,600 | 5,898 |
| Average equity | $5,643,600 | 6,115 |
| Average total loans | $46,546,400 | 5,226 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8125% | 2,348 |
| Cost of funding earning assets | 1.0224% | 1,436 |
| Net interest margin | 3.7901% | 3,378 |
| Noninterest income to average assets | 0.3378% | 5,105 |
| Noninterest expense to average assets | 3.4405% | 1,895 |
| Loan and lease loss provision to assets | 0.0222% | 5,519 |
| Net operating income to assets | 0.3356% | 5,494 |
| Return on assets (ROA) | 0.3356% | 5,692 |
| Pretax return on assets | 0.3356% | 5,880 |
| Return on Equity (ROE) | 3.5952% | 5,457 |
| Retained earnings to average equity (ytd only) | 3.5952% | 4,348 |
| Net charge-offs to loans | 0.7522% | 1,473 |
| Credit loss provision to net charge-offs | 3.8023% | 5,138 |
| Earnings coverage of net charge-offs (x) | 0.6122% | 5,013 |
| Efficiency ratio | 90.5793% | 996 |
| Assets per employee ($millions) | 4.2786% | 3,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 4,876 |
| Loan loss allowance to noncurrent loans | 317.8947% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 2.7746% | 1,895 |
| Noncurrent loans to loans | 0.4046% | 5,644 |
| Net loans and leases to total assets | 77.3957% | 808 |
| Net loans and leases to deposits | 87.0055% | 1,482 |
| Net loans and leases to core deposits | 88.7528% | 2,130 |
| Total domestic deposits to total assets | 88.9549% | 1,458 |
| Equity capital to assets | 9.6444% | 5,003 |
| Core capital (leverage) ratio | 9.6564% | 4,039 |
| Tier 1 risk-based capital ratio | 13.1059% | 5,166 |
| Total risk-based capital ratio | 14.3583% | 5,125 |
| Memoranda: | ||
| Average total assets | $59,989,250 | 5,990 |
| Average earning assets | $54,772,250 | 5,969 |
| Average equity | $5,600,000 | 6,192 |
| Average total loans | $46,620,250 | 5,288 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8207% | 2,426 |
| Cost of funding earning assets | 0.9876% | 1,841 |
| Net interest margin | 3.8332% | 3,206 |
| Noninterest income to average assets | 0.2533% | 5,769 |
| Noninterest expense to average assets | 3.4023% | 2,031 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3432% | 5,454 |
| Return on assets (ROA) | 0.3432% | 5,676 |
| Pretax return on assets | 0.3432% | 5,847 |
| Return on Equity (ROE) | 3.7177% | 5,398 |
| Retained earnings to average equity (ytd only) | 3.7177% | 4,126 |
| Net charge-offs to loans | 0.9375% | 1,177 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.4725% | 4,839 |
| Efficiency ratio | 90.8363% | 1,013 |
| Assets per employee ($millions) | 4.2256% | 3,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 4,538 |
| Loan loss allowance to noncurrent loans | 264.0496% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 3.4957% | 1,525 |
| Noncurrent loans to loans | 0.5226% | 5,479 |
| Net loans and leases to total assets | 77.1899% | 817 |
| Net loans and leases to deposits | 86.8186% | 1,498 |
| Net loans and leases to core deposits | 88.1459% | 2,193 |
| Total domestic deposits to total assets | 88.9094% | 1,570 |
| Equity capital to assets | 9.6859% | 4,774 |
| Core capital (leverage) ratio | 9.6450% | 3,932 |
| Tier 1 risk-based capital ratio | 13.1137% | 5,102 |
| Total risk-based capital ratio | 14.3659% | 5,076 |
| Memoranda: | ||
| Average total assets | $60,019,000 | 6,024 |
| Average earning assets | $54,680,330 | 6,009 |
| Average equity | $5,541,000 | 6,232 |
| Average total loans | $46,505,670 | 5,323 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8202% | 2,555 |
| Cost of funding earning assets | 1.0106% | 1,917 |
| Net interest margin | 3.8097% | 3,348 |
| Noninterest income to average assets | 0.4632% | 4,201 |
| Noninterest expense to average assets | 3.3813% | 2,054 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5492% | 4,600 |
| Return on assets (ROA) | 0.5492% | 4,812 |
| Pretax return on assets | 0.5492% | 5,287 |
| Return on Equity (ROE) | 6.0957% | 4,241 |
| Retained earnings to average equity (ytd only) | 6.0957% | 2,900 |
| Net charge-offs to loans | 1.8710% | 511 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.3807% | 4,169 |
| Efficiency ratio | 86.0269% | 1,482 |
| Assets per employee ($millions) | 4.3394% | 3,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3725% | 4,720 |
| Loan loss allowance to noncurrent loans | 153.2374% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 3.9604% | 1,403 |
| Noncurrent loans to loans | 0.8956% | 4,874 |
| Net loans and leases to total assets | 75.5872% | 851 |
| Net loans and leases to deposits | 83.7086% | 1,701 |
| Net loans and leases to core deposits | 85.1506% | 2,390 |
| Total domestic deposits to total assets | 90.2981% | 915 |
| Equity capital to assets | 9.3480% | 5,031 |
| Core capital (leverage) ratio | 9.5118% | 4,030 |
| Tier 1 risk-based capital ratio | 12.9698% | 5,241 |
| Total risk-based capital ratio | 14.2218% | 5,207 |
| Memoranda: | ||
| Average total assets | $60,449,500 | 6,051 |
| Average earning assets | $55,018,000 | 6,033 |
| Average equity | $5,446,500 | 6,295 |
| Average total loans | $46,607,000 | 5,356 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9118% | 3,299 |
| Cost of funding earning assets | 1.2086% | 1,973 |
| Net interest margin | 3.7032% | 4,285 |
| Noninterest income to average assets | 0.2716% | 5,584 |
| Noninterest expense to average assets | 3.4834% | 2,020 |
| Loan and lease loss provision to assets | 0.0759% | 5,661 |
| Net operating income to assets | 0.0253% | 5,994 |
| Return on assets (ROA) | 0.0253% | 6,110 |
| Pretax return on assets | 0.0253% | 6,079 |
| Return on Equity (ROE) | 0.2964% | 6,099 |
| Retained earnings to average equity (ytd only) | 0.2964% | 5,692 |
| Net charge-offs to loans | 0.3708% | 3,554 |
| Credit loss provision to net charge-offs | 27.2727% | 5,824 |
| Earnings coverage of net charge-offs (x) | 0.3636% | 5,546 |
| Efficiency ratio | 97.1765% | 765 |
| Assets per employee ($millions) | 4.2963% | 3,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8369% | 2,754 |
| Loan loss allowance to noncurrent loans | 1,863.0435% | 249 |
| Noncurrent assets plus other real estate owned to assets | 3.7657% | 1,542 |
| Noncurrent loans to loans | 0.0986% | 6,566 |
| Net loans and leases to total assets | 76.1422% | 932 |
| Net loans and leases to deposits | 87.4575% | 1,460 |
| Net loans and leases to core deposits | 89.0302% | 2,246 |
| Total domestic deposits to total assets | 87.0619% | 2,729 |
| Equity capital to assets | 8.6686% | 5,936 |
| Core capital (leverage) ratio | 9.0029% | 4,784 |
| Tier 1 risk-based capital ratio | 12.2302% | 5,663 |
| Total risk-based capital ratio | 13.4903% | 5,629 |
| Memoranda: | ||
| Average total assets | $59,281,800 | 6,064 |
| Average earning assets | $53,035,400 | 6,076 |
| Average equity | $5,060,800 | 6,425 |
| Average total loans | $44,498,600 | 5,495 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9425% | 3,374 |
| Cost of funding earning assets | 1.2616% | 1,926 |
| Net interest margin | 3.6809% | 4,427 |
| Noninterest income to average assets | 0.5576% | 3,464 |
| Noninterest expense to average assets | 3.5034% | 1,929 |
| Loan and lease loss provision to assets | 0.1129% | 5,013 |
| Net operating income to assets | 0.2212% | 5,644 |
| Return on assets (ROA) | 0.2212% | 5,780 |
| Pretax return on assets | 0.2212% | 5,859 |
| Return on Equity (ROE) | 2.6015% | 5,583 |
| Retained earnings to average equity (ytd only) | 2.6015% | 4,806 |
| Net charge-offs to loans | 0.1486% | 4,579 |
| Credit loss provision to net charge-offs | 102.0408% | 3,276 |
| Earnings coverage of net charge-offs (x) | 3.0205% | 3,623 |
| Efficiency ratio | 91.2941% | 1,083 |
| Assets per employee ($millions) | 4.2214% | 3,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1786% | 1,906 |
| Loan loss allowance to noncurrent loans | 1,063.0435% | 342 |
| Noncurrent assets plus other real estate owned to assets | 5.4518% | 1,027 |
| Noncurrent loans to loans | 0.2049% | 6,465 |
| Net loans and leases to total assets | 74.3046% | 1,277 |
| Net loans and leases to deposits | 85.1261% | 1,816 |
| Net loans and leases to core deposits | 86.6735% | 2,689 |
| Total domestic deposits to total assets | 87.2876% | 2,470 |
| Equity capital to assets | 8.9306% | 5,834 |
| Core capital (leverage) ratio | 9.0958% | 4,793 |
| Tier 1 risk-based capital ratio | 12.2176% | 5,731 |
| Total risk-based capital ratio | 13.4802% | 5,709 |
| Memoranda: | ||
| Average total assets | $59,065,250 | 6,123 |
| Average earning assets | $52,630,500 | 6,143 |
| Average equity | $5,022,500 | 6,492 |
| Average total loans | $43,959,500 | 5,563 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9935% | 3,182 |
| Cost of funding earning assets | 1.3129% | 1,866 |
| Net interest margin | 3.6806% | 4,355 |
| Noninterest income to average assets | 0.5622% | 3,384 |
| Noninterest expense to average assets | 3.4613% | 2,091 |
| Loan and lease loss provision to assets | 0.1185% | 4,792 |
| Net operating income to assets | 0.2676% | 5,491 |
| Return on assets (ROA) | 0.2676% | 5,615 |
| Pretax return on assets | 0.2676% | 5,757 |
| Return on Equity (ROE) | 3.2001% | 5,308 |
| Retained earnings to average equity (ytd only) | 3.2001% | 4,235 |
| Net charge-offs to loans | 0.1924% | 4,005 |
| Credit loss provision to net charge-offs | 83.3333% | 3,669 |
| Earnings coverage of net charge-offs (x) | 2.7143% | 3,485 |
| Efficiency ratio | 89.9648% | 1,242 |
| Assets per employee ($millions) | 3.8813% | 4,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2435% | 1,833 |
| Loan loss allowance to noncurrent loans | 323.3333% | 982 |
| Noncurrent assets plus other real estate owned to assets | 5.8502% | 967 |
| Noncurrent loans to loans | 0.6939% | 5,521 |
| Net loans and leases to total assets | 72.5970% | 1,664 |
| Net loans and leases to deposits | 82.0954% | 2,442 |
| Net loans and leases to core deposits | 82.9314% | 3,373 |
| Total domestic deposits to total assets | 88.4301% | 1,904 |
| Equity capital to assets | 8.9334% | 5,674 |
| Core capital (leverage) ratio | 9.0093% | 4,707 |
| Tier 1 risk-based capital ratio | 12.4517% | 5,392 |
| Total risk-based capital ratio | 13.7145% | 5,358 |
| Memoranda: | ||
| Average total assets | $59,053,670 | 6,170 |
| Average earning assets | $52,708,330 | 6,200 |
| Average equity | $4,937,330 | 6,556 |
| Average total loans | $43,648,670 | 5,626 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7018% | 4,518 |
| Cost of funding earning assets | 1.3541% | 1,861 |
| Net interest margin | 3.3477% | 5,615 |
| Noninterest income to average assets | 0.5448% | 3,543 |
| Noninterest expense to average assets | 3.4168% | 2,231 |
| Loan and lease loss provision to assets | 0.0673% | 5,153 |
| Net operating income to assets | 0.0538% | 6,222 |
| Return on assets (ROA) | 0.0538% | 6,265 |
| Pretax return on assets | 0.0538% | 6,259 |
| Return on Equity (ROE) | 0.6659% | 6,225 |
| Retained earnings to average equity (ytd only) | 0.6659% | 5,558 |
| Net charge-offs to loans | 0.2645% | 3,014 |
| Credit loss provision to net charge-offs | 34.4828% | 4,044 |
| Earnings coverage of net charge-offs (x) | 0.6207% | 4,163 |
| Efficiency ratio | 96.5779% | 892 |
| Assets per employee ($millions) | 3.9811% | 3,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2299% | 1,896 |
| Loan loss allowance to noncurrent loans | 158.3471% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 6.7301% | 808 |
| Noncurrent loans to loans | 1.4083% | 4,363 |
| Net loans and leases to total assets | 70.3368% | 2,066 |
| Net loans and leases to deposits | 80.5627% | 2,601 |
| Net loans and leases to core deposits | 80.9759% | 3,606 |
| Total domestic deposits to total assets | 87.3068% | 2,759 |
| Equity capital to assets | 8.2523% | 6,221 |
| Core capital (leverage) ratio | 8.5029% | 5,446 |
| Tier 1 risk-based capital ratio | 12.0409% | 5,651 |
| Total risk-based capital ratio | 13.3049% | 5,634 |
| Memoranda: | ||
| Average total assets | $59,470,500 | 6,201 |
| Average earning assets | $53,171,000 | 6,229 |
| Average equity | $4,805,500 | 6,615 |
| Average total loans | $43,855,000 | 5,661 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8266% | 5,325 |
| Cost of funding earning assets | 1.9167% | 794 |
| Net interest margin | 2.9099% | 6,878 |
| Noninterest income to average assets | 0.2177% | 6,246 |
| Noninterest expense to average assets | 3.6566% | 1,795 |
| Loan and lease loss provision to assets | 0.1413% | 5,770 |
| Net operating income to assets | -0.9407% | 6,646 |
| Return on assets (ROA) | -0.9407% | 6,685 |
| Pretax return on assets | -0.9407% | 6,598 |
| Return on Equity (ROE) | -11.6841% | 6,802 |
| Retained earnings to average equity (ytd only) | -11.6841% | 6,749 |
| Net charge-offs to loans | 0.7046% | 2,898 |
| Credit loss provision to net charge-offs | 26.5625% | 6,516 |
| Earnings coverage of net charge-offs (x) | -1.5031% | 6,676 |
| Efficiency ratio | 127.9814% | 334 |
| Assets per employee ($millions) | 3.9483% | 3,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1833% | 1,902 |
| Loan loss allowance to noncurrent loans | 78.9814% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 7.2775% | 735 |
| Noncurrent loans to loans | 2.7643% | 2,754 |
| Net loans and leases to total assets | 73.9092% | 1,676 |
| Net loans and leases to deposits | 84.6016% | 2,359 |
| Net loans and leases to core deposits | 85.0371% | 3,459 |
| Total domestic deposits to total assets | 87.3615% | 2,634 |
| Equity capital to assets | 7.9073% | 6,576 |
| Core capital (leverage) ratio | 8.0480% | 6,121 |
| Tier 1 risk-based capital ratio | 11.4639% | 5,938 |
| Total risk-based capital ratio | 12.7262% | 5,930 |
| Memoranda: | ||
| Average total assets | $60,164,800 | 6,191 |
| Average earning assets | $54,572,200 | 6,193 |
| Average equity | $4,844,200 | 6,715 |
| Average total loans | $45,415,600 | 5,689 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8557% | 5,450 |
| Cost of funding earning assets | 1.9923% | 771 |
| Net interest margin | 2.8634% | 7,059 |
| Noninterest income to average assets | 0.1898% | 6,526 |
| Noninterest expense to average assets | 3.5231% | 1,982 |
| Loan and lease loss provision to assets | 0.1214% | 5,815 |
| Net operating income to assets | -0.8499% | 6,814 |
| Return on assets (ROA) | -0.8499% | 6,856 |
| Pretax return on assets | -0.8499% | 6,772 |
| Return on Equity (ROE) | -10.5092% | 6,951 |
| Retained earnings to average equity (ytd only) | -10.5092% | 6,905 |
| Net charge-offs to loans | 0.6581% | 2,788 |
| Credit loss provision to net charge-offs | 24.4444% | 6,206 |
| Earnings coverage of net charge-offs (x) | -1.4667% | 6,502 |
| Efficiency ratio | 126.0664% | 330 |
| Assets per employee ($millions) | 3.7661% | 4,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3200% | 1,597 |
| Loan loss allowance to noncurrent loans | 64.2417% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 7.7218% | 664 |
| Noncurrent loans to loans | 3.6114% | 2,163 |
| Net loans and leases to total assets | 72.8053% | 2,054 |
| Net loans and leases to deposits | 86.1719% | 2,296 |
| Net loans and leases to core deposits | 86.1719% | 3,623 |
| Total domestic deposits to total assets | 84.4884% | 3,871 |
| Equity capital to assets | 8.1732% | 6,640 |
| Core capital (leverage) ratio | 8.0228% | 6,318 |
| Tier 1 risk-based capital ratio | 11.4520% | 5,974 |
| Total risk-based capital ratio | 12.7169% | 5,947 |
| Memoranda: | ||
| Average total assets | $60,400,000 | 6,255 |
| Average earning assets | $54,944,250 | 6,239 |
| Average equity | $4,884,500 | 6,791 |
| Average total loans | $45,582,250 | 5,760 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7382% | 6,014 |
| Cost of funding earning assets | 2.0503% | 769 |
| Net interest margin | 2.6879% | 7,268 |
| Noninterest income to average assets | -0.1026% | 7,630 |
| Noninterest expense to average assets | 3.3351% | 2,442 |
| Loan and lease loss provision to assets | 0.0827% | 6,102 |
| Net operating income to assets | -1.0654% | 6,974 |
| Return on assets (ROA) | -1.0654% | 6,989 |
| Pretax return on assets | -1.0654% | 6,918 |
| Return on Equity (ROE) | -13.2211% | 7,084 |
| Retained earnings to average equity (ytd only) | -13.2211% | 7,045 |
| Net charge-offs to loans | 0.5240% | 2,962 |
| Credit loss provision to net charge-offs | 20.8333% | 5,841 |
| Earnings coverage of net charge-offs (x) | -2.4750% | 6,236 |
| Efficiency ratio | 141.7722% | 244 |
| Assets per employee ($millions) | 4.1243% | 3,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3475% | 1,516 |
| Loan loss allowance to noncurrent loans | 43.4630% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 7.7169% | 656 |
| Noncurrent loans to loans | 5.4011% | 1,229 |
| Net loans and leases to total assets | 75.1099% | 1,671 |
| Net loans and leases to deposits | 88.6671% | 2,059 |
| Net loans and leases to core deposits | 88.6671% | 3,462 |
| Total domestic deposits to total assets | 84.7100% | 3,764 |
| Equity capital to assets | 8.0370% | 6,717 |
| Core capital (leverage) ratio | 8.0125% | 6,256 |
| Tier 1 risk-based capital ratio | 11.5399% | 5,724 |
| Total risk-based capital ratio | 12.8060% | 5,687 |
| Memoranda: | ||
| Average total assets | $60,447,330 | 6,286 |
| Average earning assets | $55,211,000 | 6,270 |
| Average equity | $4,871,000 | 6,824 |
| Average total loans | $45,805,330 | 5,772 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6198% | 6,502 |
| Cost of funding earning assets | 2.0973% | 818 |
| Net interest margin | 2.5226% | 7,455 |
| Noninterest income to average assets | 0.3750% | 5,142 |
| Noninterest expense to average assets | 3.3144% | 2,481 |
| Loan and lease loss provision to assets | 0.1004% | 5,622 |
| Net operating income to assets | -0.7365% | 6,974 |
| Return on assets (ROA) | -0.7365% | 6,999 |
| Pretax return on assets | -0.7365% | 6,916 |
| Return on Equity (ROE) | -9.1277% | 7,102 |
| Retained earnings to average equity (ytd only) | -9.1277% | 6,906 |
| Net charge-offs to loans | 0.2404% | 3,497 |
| Credit loss provision to net charge-offs | 55.5556% | 4,388 |
| Earnings coverage of net charge-offs (x) | -3.5185% | 5,512 |
| Efficiency ratio | 123.7500% | 402 |
| Assets per employee ($millions) | 3.7648% | 4,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5766% | 1,209 |
| Loan loss allowance to noncurrent loans | 43.6205% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 8.0980% | 605 |
| Noncurrent loans to loans | 5.9069% | 1,123 |
| Net loans and leases to total assets | 75.3241% | 1,678 |
| Net loans and leases to deposits | 89.0435% | 2,055 |
| Net loans and leases to core deposits | 89.0435% | 3,491 |
| Total domestic deposits to total assets | 84.5925% | 3,855 |
| Equity capital to assets | 7.9005% | 6,756 |
| Core capital (leverage) ratio | 8.0143% | 6,217 |
| Tier 1 risk-based capital ratio | 11.5598% | 5,616 |
| Total risk-based capital ratio | 12.8267% | 5,576 |
| Memoranda: | ||
| Average total assets | $59,739,000 | 6,395 |
| Average earning assets | $54,547,500 | 6,379 |
| Average equity | $4,820,500 | 6,903 |
| Average total loans | $44,916,500 | 5,888 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9778% | 6,500 |
| Cost of funding earning assets | 2.6660% | 639 |
| Net interest margin | 2.3118% | 7,584 |
| Noninterest income to average assets | 0.5900% | 3,703 |
| Noninterest expense to average assets | 3.6357% | 2,066 |
| Loan and lease loss provision to assets | 0.1658% | 6,032 |
| Net operating income to assets | -1.0926% | 6,638 |
| Return on assets (ROA) | -0.9739% | 6,563 |
| Pretax return on assets | -0.9739% | 6,393 |
| Return on Equity (ROE) | -12.1914% | 6,781 |
| Retained earnings to average equity (ytd only) | -12.1914% | 6,698 |
| Net charge-offs to loans | 1.3625% | 1,834 |
| Credit loss provision to net charge-offs | 16.3793% | 6,952 |
| Earnings coverage of net charge-offs (x) | -0.9155% | 6,864 |
| Efficiency ratio | 134.2139% | 434 |
| Assets per employee ($millions) | 3.4848% | 5,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8017% | 930 |
| Loan loss allowance to noncurrent loans | 55.6985% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 6.9074% | 738 |
| Noncurrent loans to loans | 5.0301% | 1,346 |
| Net loans and leases to total assets | 70.9779% | 3,014 |
| Net loans and leases to deposits | 84.7486% | 3,133 |
| Net loans and leases to core deposits | 106.8673% | 3,231 |
| Total domestic deposits to total assets | 83.7511% | 4,155 |
| Equity capital to assets | 8.2409% | 6,288 |
| Core capital (leverage) ratio | 8.3779% | 5,479 |
| Tier 1 risk-based capital ratio | 12.4194% | 4,577 |
| Total risk-based capital ratio | 13.6915% | 4,521 |
| Memoranda: | ||
| Average total assets | $57,292,600 | 6,455 |
| Average earning assets | $52,512,800 | 6,436 |
| Average equity | $4,577,000 | 7,088 |
| Average total loans | $42,568,200 | 5,998 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0236% | 6,538 |
| Cost of funding earning assets | 2.7357% | 713 |
| Net interest margin | 2.2879% | 7,658 |
| Noninterest income to average assets | 0.5915% | 3,772 |
| Noninterest expense to average assets | 3.5559% | 2,131 |
| Loan and lease loss provision to assets | 0.2230% | 5,188 |
| Net operating income to assets | -1.0891% | 6,890 |
| Return on assets (ROA) | -0.9295% | 6,787 |
| Pretax return on assets | -0.9295% | 6,630 |
| Return on Equity (ROE) | -11.7312% | 7,005 |
| Retained earnings to average equity (ytd only) | -11.7312% | 6,934 |
| Net charge-offs to loans | 1.5945% | 1,281 |
| Credit loss provision to net charge-offs | 18.7377% | 6,584 |
| Earnings coverage of net charge-offs (x) | -0.7278% | 6,572 |
| Efficiency ratio | 132.1990% | 453 |
| Assets per employee ($millions) | 3.4598% | 5,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0173% | 659 |
| Loan loss allowance to noncurrent loans | 101.9033% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 5.0972% | 1,146 |
| Noncurrent loans to loans | 2.9609% | 2,557 |
| Net loans and leases to total assets | 70.2229% | 3,456 |
| Net loans and leases to deposits | 89.3212% | 2,714 |
| Net loans and leases to core deposits | 111.9869% | 3,025 |
| Total domestic deposits to total assets | 78.6184% | 5,924 |
| Equity capital to assets | 8.1150% | 6,727 |
| Core capital (leverage) ratio | 8.3520% | 5,748 |
| Tier 1 risk-based capital ratio | 11.6791% | 5,261 |
| Total risk-based capital ratio | 12.9517% | 5,191 |
| Memoranda: | ||
| Average total assets | $56,805,500 | 6,512 |
| Average earning assets | $52,099,250 | 6,494 |
| Average equity | $4,500,750 | 7,178 |
| Average total loans | $42,395,250 | 6,051 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0712% | 6,541 |
| Cost of funding earning assets | 2.8130% | 758 |
| Net interest margin | 2.2582% | 7,710 |
| Noninterest income to average assets | 0.6520% | 3,334 |
| Noninterest expense to average assets | 3.5913% | 2,090 |
| Loan and lease loss provision to assets | 0.3385% | 3,909 |
| Net operating income to assets | -1.2042% | 7,110 |
| Return on assets (ROA) | -0.9620% | 6,948 |
| Pretax return on assets | -0.9620% | 6,788 |
| Return on Equity (ROE) | -12.2449% | 7,186 |
| Retained earnings to average equity (ytd only) | -12.2449% | 7,068 |
| Net charge-offs to loans | 0.2504% | 3,950 |
| Credit loss provision to net charge-offs | 179.2453% | 2,553 |
| Earnings coverage of net charge-offs (x) | -4.5849% | 6,449 |
| Efficiency ratio | 131.7647% | 510 |
| Assets per employee ($millions) | 3.4350% | 4,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0723% | 245 |
| Loan loss allowance to noncurrent loans | 62.5765% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 7.8366% | 493 |
| Noncurrent loans to loans | 6.5077% | 809 |
| Net loans and leases to total assets | 74.5342% | 2,563 |
| Net loans and leases to deposits | 96.2568% | 1,754 |
| Net loans and leases to core deposits | 122.0838% | 2,199 |
| Total domestic deposits to total assets | 77.4327% | 6,220 |
| Equity capital to assets | 7.6783% | 7,104 |
| Core capital (leverage) ratio | 7.9993% | 6,335 |
| Tier 1 risk-based capital ratio | 10.8779% | 6,002 |
| Total risk-based capital ratio | 12.1623% | 5,909 |
| Memoranda: | ||
| Average total assets | $56,135,000 | 6,587 |
| Average earning assets | $51,546,330 | 6,577 |
| Average equity | $4,410,000 | 7,270 |
| Average total loans | $42,331,000 | 6,096 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8163% | 7,345 |
| Cost of funding earning assets | 2.8867% | 795 |
| Net interest margin | 1.9296% | 7,926 |
| Noninterest income to average assets | 0.8180% | 2,245 |
| Noninterest expense to average assets | 3.2721% | 2,732 |
| Loan and lease loss provision to assets | 0.3526% | 3,200 |
| Net operating income to assets | -1.0296% | 7,270 |
| Return on assets (ROA) | -0.5500% | 6,972 |
| Pretax return on assets | -0.5500% | 6,858 |
| Return on Equity (ROE) | -6.9256% | 7,138 |
| Retained earnings to average equity (ytd only) | -6.9256% | 6,785 |
| Net charge-offs to loans | 2.8948% | 444 |
| Credit loss provision to net charge-offs | 16.3934% | 5,125 |
| Earnings coverage of net charge-offs (x) | -0.3148% | 5,189 |
| Efficiency ratio | 126.0870% | 547 |
| Assets per employee ($millions) | 3.5094% | 4,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4462% | 333 |
| Loan loss allowance to noncurrent loans | 47.9229% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 7.9110% | 380 |
| Noncurrent loans to loans | 7.1912% | 546 |
| Net loans and leases to total assets | 71.9519% | 3,244 |
| Net loans and leases to deposits | 96.1539% | 1,918 |
| Net loans and leases to core deposits | 120.4131% | 2,384 |
| Total domestic deposits to total assets | 74.8299% | 6,740 |
| Equity capital to assets | 7.8896% | 6,964 |
| Core capital (leverage) ratio | 8.2703% | 5,961 |
| Tier 1 risk-based capital ratio | 11.4615% | 5,451 |
| Total risk-based capital ratio | 12.7414% | 5,319 |
| Memoranda: | ||
| Average total assets | $56,722,500 | 6,594 |
| Average earning assets | $52,239,500 | 6,564 |
| Average equity | $4,505,000 | 7,287 |
| Average total loans | $42,145,000 | 6,132 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3857% | 3,487 |
| Cost of funding earning assets | 3.6161% | 363 |
| Net interest margin | 2.7697% | 7,382 |
| Noninterest income to average assets | 0.9293% | 1,861 |
| Noninterest expense to average assets | 3.7241% | 1,904 |
| Loan and lease loss provision to assets | 4.8664% | 111 |
| Net operating income to assets | -5.1216% | 8,094 |
| Return on assets (ROA) | -5.1216% | 8,086 |
| Pretax return on assets | -5.1216% | 8,039 |
| Return on Equity (ROE) | -65.2437% | 8,223 |
| Retained earnings to average equity (ytd only) | -65.2437% | 8,212 |
| Net charge-offs to loans | 3.5748% | 217 |
| Credit loss provision to net charge-offs | 170.4686% | 3,002 |
| Earnings coverage of net charge-offs (x) | -0.0894% | 6,315 |
| Efficiency ratio | 107.3567% | 774 |
| Assets per employee ($millions) | 3.8197% | 3,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9979% | 187 |
| Loan loss allowance to noncurrent loans | 46.1769% | 5,702 |
| Noncurrent assets plus other real estate owned to assets | 8.0059% | 290 |
| Noncurrent loans to loans | 8.6579% | 292 |
| Net loans and leases to total assets | 71.1231% | 3,766 |
| Net loans and leases to deposits | 95.3149% | 2,561 |
| Net loans and leases to core deposits | 121.9293% | 2,513 |
| Total domestic deposits to total assets | 74.6191% | 6,536 |
| Equity capital to assets | 7.9937% | 6,851 |
| Core capital (leverage) ratio | 8.0336% | 6,434 |
| Tier 1 risk-based capital ratio | 11.7745% | 5,003 |
| Total risk-based capital ratio | 13.0615% | 4,882 |
| Memoranda: | ||
| Average total assets | $56,818,600 | 6,499 |
| Average earning assets | $52,100,400 | 6,500 |
| Average equity | $4,460,200 | 7,342 |
| Average total loans | $45,373,400 | 5,909 |