Home > Alterra Bank > Performance and Condition Ratios
Alterra Bank, Performance and Condition Ratios
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5836% | 1,177 |
| Cost of funding earning assets | 0.6145% | 1,275 |
| Net interest margin | 3.9691% | 1,551 |
| Noninterest income to average assets | 1.2201% | 692 |
| Noninterest expense to average assets | 4.6595% | 294 |
| Loan and lease loss provision to assets | 0.2990% | 454 |
| Net operating income to assets | -0.1022% | 5,651 |
| Return on assets (ROA) | -0.1022% | 5,655 |
| Pretax return on assets | -0.1863% | 5,662 |
| Return on Equity (ROE) | -0.6844% | 5,648 |
| Retained earnings to average equity (ytd only) | -0.6844% | 5,028 |
| Net charge-offs to loans | -0.3289% | 5,696 |
| Credit loss provision to net charge-offs | -112.4294% | 3,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1977% | 287 |
| Assets per employee ($millions) | 5.2183% | 2,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6372% | 271 |
| Loan loss allowance to noncurrent loans | 28.0040% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 8.1493% | 47 |
| Noncurrent loans to loans | 9.4171% | 38 |
| Net loans and leases to total assets | 78.5325% | 1,046 |
| Net loans and leases to deposits | 95.0873% | 1,001 |
| Net loans and leases to core deposits | 96.7723% | 1,765 |
| Total domestic deposits to total assets | 82.5899% | 3,973 |
| Equity capital to assets | 14.9252% | 671 |
| Core capital (leverage) ratio | 11.5487% | 1,910 |
| Tier 1 risk-based capital ratio | 11.9704% | 4,736 |
| Total risk-based capital ratio | 13.2342% | 4,626 |
| Memoranda: | ||
| Average total assets | $266,211,000 | 2,419 |
| Average earning assets | $238,239,000 | 2,484 |
| Average equity | $39,745,000 | 1,877 |
| Average total loans | $215,270,000 | 2,061 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9456% | 664 |
| Cost of funding earning assets | 0.6092% | 1,281 |
| Net interest margin | 4.3364% | 874 |
| Noninterest income to average assets | 2.2057% | 299 |
| Noninterest expense to average assets | 4.6396% | 336 |
| Loan and lease loss provision to assets | 2.2694% | 31 |
| Net operating income to assets | -0.4576% | 5,777 |
| Return on assets (ROA) | -0.4576% | 5,787 |
| Pretax return on assets | -0.7599% | 5,810 |
| Return on Equity (ROE) | -3.3964% | 5,766 |
| Retained earnings to average equity (ytd only) | -3.3964% | 5,605 |
| Net charge-offs to loans | 1.4385% | 101 |
| Credit loss provision to net charge-offs | 195.2715% | 1,446 |
| Earnings coverage of net charge-offs (x) | 1.2989% | 4,004 |
| Efficiency ratio | 75.1090% | 2,123 |
| Assets per employee ($millions) | 4.0968% | 3,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4481% | 332 |
| Loan loss allowance to noncurrent loans | 36.6175% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 5.9732% | 86 |
| Noncurrent loans to loans | 6.6857% | 81 |
| Net loans and leases to total assets | 79.0844% | 1,032 |
| Net loans and leases to deposits | 95.7968% | 1,020 |
| Net loans and leases to core deposits | 98.2019% | 1,755 |
| Total domestic deposits to total assets | 82.5543% | 3,917 |
| Equity capital to assets | 14.9345% | 652 |
| Core capital (leverage) ratio | 10.5832% | 2,792 |
| Tier 1 risk-based capital ratio | 12.0109% | 4,722 |
| Total risk-based capital ratio | 13.2730% | 4,596 |
| Memoranda: | ||
| Average total assets | $294,788,200 | 2,194 |
| Average earning assets | $268,078,200 | 2,230 |
| Average equity | $39,719,000 | 1,855 |
| Average total loans | $238,171,800 | 1,853 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9417% | 670 |
| Cost of funding earning assets | 0.5947% | 1,376 |
| Net interest margin | 4.3470% | 847 |
| Noninterest income to average assets | 2.4267% | 267 |
| Noninterest expense to average assets | 4.2227% | 475 |
| Loan and lease loss provision to assets | 2.7261% | 22 |
| Net operating income to assets | -0.3325% | 5,832 |
| Return on assets (ROA) | -0.3325% | 5,839 |
| Pretax return on assets | -0.5551% | 5,858 |
| Return on Equity (ROE) | -2.5285% | 5,825 |
| Retained earnings to average equity (ytd only) | -2.5285% | 5,631 |
| Net charge-offs to loans | 1.7367% | 72 |
| Credit loss provision to net charge-offs | 194.4252% | 1,470 |
| Earnings coverage of net charge-offs (x) | 1.5483% | 3,682 |
| Efficiency ratio | 65.7135% | 3,643 |
| Assets per employee ($millions) | 4.3233% | 3,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1137% | 591 |
| Loan loss allowance to noncurrent loans | 39.0905% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 4.9606% | 150 |
| Noncurrent loans to loans | 5.4071% | 143 |
| Net loans and leases to total assets | 80.2600% | 852 |
| Net loans and leases to deposits | 95.1022% | 1,137 |
| Net loans and leases to core deposits | 97.2936% | 1,881 |
| Total domestic deposits to total assets | 84.3935% | 3,065 |
| Equity capital to assets | 13.3249% | 1,336 |
| Core capital (leverage) ratio | 9.6029% | 4,054 |
| Tier 1 risk-based capital ratio | 10.3156% | 5,696 |
| Total risk-based capital ratio | 11.5734% | 5,617 |
| Memoranda: | ||
| Average total assets | $301,913,000 | 2,164 |
| Average earning assets | $275,526,500 | 2,186 |
| Average equity | $39,706,500 | 1,870 |
| Average total loans | $243,745,250 | 1,831 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9242% | 685 |
| Cost of funding earning assets | 0.5758% | 1,497 |
| Net interest margin | 4.3484% | 856 |
| Noninterest income to average assets | 2.9451% | 210 |
| Noninterest expense to average assets | 3.9386% | 642 |
| Loan and lease loss provision to assets | 1.8327% | 44 |
| Net operating income to assets | 0.7124% | 3,732 |
| Return on assets (ROA) | 0.7124% | 3,886 |
| Pretax return on assets | 1.1569% | 2,954 |
| Return on Equity (ROE) | 5.4396% | 4,314 |
| Retained earnings to average equity (ytd only) | 5.4396% | 2,456 |
| Net charge-offs to loans | 1.2366% | 135 |
| Credit loss provision to net charge-offs | 184.4737% | 1,375 |
| Earnings coverage of net charge-offs (x) | 3.0092% | 3,182 |
| Efficiency ratio | 56.5472% | 5,074 |
| Assets per employee ($millions) | 4.2463% | 3,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3686% | 2,444 |
| Loan loss allowance to noncurrent loans | 34.8220% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 3.6555% | 278 |
| Noncurrent loans to loans | 3.9302% | 303 |
| Net loans and leases to total assets | 79.0274% | 1,063 |
| Net loans and leases to deposits | 93.7002% | 1,315 |
| Net loans and leases to core deposits | 95.6448% | 2,006 |
| Total domestic deposits to total assets | 84.3407% | 3,143 |
| Equity capital to assets | 13.4082% | 1,280 |
| Core capital (leverage) ratio | 10.0825% | 3,473 |
| Tier 1 risk-based capital ratio | 11.0979% | 5,365 |
| Total risk-based capital ratio | 12.3481% | 5,283 |
| Memoranda: | ||
| Average total assets | $305,997,000 | 2,141 |
| Average earning assets | $280,286,670 | 2,169 |
| Average equity | $40,076,330 | 1,852 |
| Average total loans | $245,826,330 | 1,824 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0746% | 512 |
| Cost of funding earning assets | 0.5552% | 1,658 |
| Net interest margin | 4.5193% | 584 |
| Noninterest income to average assets | 2.4499% | 260 |
| Noninterest expense to average assets | 3.6464% | 969 |
| Loan and lease loss provision to assets | 0.2777% | 594 |
| Net operating income to assets | 1.6376% | 653 |
| Return on assets (ROA) | 1.6376% | 690 |
| Pretax return on assets | 2.6874% | 176 |
| Return on Equity (ROE) | 12.6508% | 1,112 |
| Retained earnings to average equity (ytd only) | 12.6508% | 422 |
| Net charge-offs to loans | 0.2613% | 799 |
| Credit loss provision to net charge-offs | 132.0988% | 1,355 |
| Earnings coverage of net charge-offs (x) | 14.1049% | 1,712 |
| Efficiency ratio | 54.8381% | 5,296 |
| Assets per employee ($millions) | 4.4056% | 3,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8572% | 5,195 |
| Loan loss allowance to noncurrent loans | 53.4950% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 1.8100% | 1,024 |
| Noncurrent loans to loans | 1.6024% | 1,442 |
| Net loans and leases to total assets | 78.9111% | 965 |
| Net loans and leases to deposits | 94.3117% | 1,112 |
| Net loans and leases to core deposits | 96.0819% | 1,785 |
| Total domestic deposits to total assets | 83.6706% | 3,648 |
| Equity capital to assets | 13.3418% | 1,245 |
| Core capital (leverage) ratio | 9.8010% | 3,774 |
| Tier 1 risk-based capital ratio | 11.5565% | 5,196 |
| Total risk-based capital ratio | 12.3720% | 5,346 |
| Memoranda: | ||
| Average total assets | $308,251,500 | 2,141 |
| Average earning assets | $283,847,000 | 2,157 |
| Average equity | $39,902,500 | 1,853 |
| Average total loans | $247,957,500 | 1,810 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3246% | 355 |
| Cost of funding earning assets | 0.4955% | 2,197 |
| Net interest margin | 4.8291% | 346 |
| Noninterest income to average assets | 2.1191% | 324 |
| Noninterest expense to average assets | 3.4672% | 1,352 |
| Loan and lease loss provision to assets | 0.9683% | 92 |
| Net operating income to assets | 1.2748% | 1,333 |
| Return on assets (ROA) | 1.2748% | 1,380 |
| Pretax return on assets | 2.0759% | 457 |
| Return on Equity (ROE) | 9.8616% | 2,061 |
| Retained earnings to average equity (ytd only) | 9.8616% | 482 |
| Net charge-offs to loans | 0.4810% | 557 |
| Credit loss provision to net charge-offs | 254.4954% | 1,131 |
| Earnings coverage of net charge-offs (x) | 8.0009% | 3,011 |
| Efficiency ratio | 52.8627% | 5,589 |
| Assets per employee ($millions) | 5.2086% | 2,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7962% | 5,416 |
| Loan loss allowance to noncurrent loans | 35.5986% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 2.3375% | 688 |
| Noncurrent loans to loans | 2.2365% | 874 |
| Net loans and leases to total assets | 80.6165% | 758 |
| Net loans and leases to deposits | 95.9085% | 1,023 |
| Net loans and leases to core deposits | 99.5138% | 1,551 |
| Total domestic deposits to total assets | 84.0556% | 3,455 |
| Equity capital to assets | 12.5586% | 1,594 |
| Core capital (leverage) ratio | 9.8867% | 3,661 |
| Tier 1 risk-based capital ratio | 10.6315% | 5,712 |
| Total risk-based capital ratio | 11.3917% | 5,843 |
| Memoranda: | ||
| Average total assets | $286,484,200 | 2,227 |
| Average earning assets | $260,565,000 | 2,261 |
| Average equity | $37,032,600 | 1,924 |
| Average total loans | $226,632,400 | 1,885 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4666% | 280 |
| Cost of funding earning assets | 0.4825% | 2,382 |
| Net interest margin | 4.9841% | 263 |
| Noninterest income to average assets | 1.9035% | 386 |
| Noninterest expense to average assets | 3.4797% | 1,323 |
| Loan and lease loss provision to assets | 0.7086% | 117 |
| Net operating income to assets | 1.3739% | 1,165 |
| Return on assets (ROA) | 1.3739% | 1,219 |
| Pretax return on assets | 2.2311% | 384 |
| Return on Equity (ROE) | 10.5447% | 1,887 |
| Retained earnings to average equity (ytd only) | 10.5447% | 546 |
| Net charge-offs to loans | 0.0958% | 2,194 |
| Credit loss provision to net charge-offs | 941.7722% | 387 |
| Earnings coverage of net charge-offs (x) | 39.0699% | 1,269 |
| Efficiency ratio | 53.7982% | 5,536 |
| Assets per employee ($millions) | 5.2364% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6909% | 5,751 |
| Loan loss allowance to noncurrent loans | 63.7964% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 1.4476% | 1,560 |
| Noncurrent loans to loans | 1.0830% | 2,318 |
| Net loans and leases to total assets | 81.7140% | 611 |
| Net loans and leases to deposits | 98.5737% | 769 |
| Net loans and leases to core deposits | 103.9342% | 1,236 |
| Total domestic deposits to total assets | 82.8964% | 3,847 |
| Equity capital to assets | 13.1000% | 1,394 |
| Core capital (leverage) ratio | 9.8982% | 3,772 |
| Tier 1 risk-based capital ratio | 10.3936% | 5,923 |
| Total risk-based capital ratio | 11.0248% | 6,064 |
| Memoranda: | ||
| Average total assets | $279,975,750 | 2,285 |
| Average earning assets | $253,680,000 | 2,332 |
| Average equity | $36,478,750 | 1,971 |
| Average total loans | $219,799,750 | 1,934 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7526% | 177 |
| Cost of funding earning assets | 0.4719% | 2,499 |
| Net interest margin | 5.2807% | 166 |
| Noninterest income to average assets | 1.8000% | 429 |
| Noninterest expense to average assets | 3.4381% | 1,400 |
| Loan and lease loss provision to assets | 0.8216% | 97 |
| Net operating income to assets | 1.4262% | 1,040 |
| Return on assets (ROA) | 1.4262% | 1,078 |
| Pretax return on assets | 2.3160% | 328 |
| Return on Equity (ROE) | 10.9673% | 1,692 |
| Retained earnings to average equity (ytd only) | 10.9673% | 509 |
| Net charge-offs to loans | 0.0216% | 3,231 |
| Credit loss provision to net charge-offs | 4,921.7391% | 93 |
| Earnings coverage of net charge-offs (x) | 187.9565% | 362 |
| Efficiency ratio | 51.8764% | 5,725 |
| Assets per employee ($millions) | 5.9670% | 1,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6302% | 5,924 |
| Loan loss allowance to noncurrent loans | 85.7651% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 1.1686% | 2,170 |
| Noncurrent loans to loans | 0.7348% | 3,276 |
| Net loans and leases to total assets | 79.6015% | 856 |
| Net loans and leases to deposits | 95.7829% | 983 |
| Net loans and leases to core deposits | 102.3345% | 1,304 |
| Total domestic deposits to total assets | 83.1062% | 3,907 |
| Equity capital to assets | 13.0753% | 1,362 |
| Core capital (leverage) ratio | 9.9989% | 3,605 |
| Tier 1 risk-based capital ratio | 10.3354% | 5,979 |
| Total risk-based capital ratio | 10.8987% | 6,146 |
| Memoranda: | ||
| Average total assets | $275,555,670 | 2,333 |
| Average earning assets | $249,211,000 | 2,374 |
| Average equity | $35,833,670 | 2,009 |
| Average total loans | $212,639,000 | 1,992 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2913% | 96 |
| Cost of funding earning assets | 0.4720% | 2,541 |
| Net interest margin | 5.8193% | 85 |
| Noninterest income to average assets | 1.5474% | 514 |
| Noninterest expense to average assets | 3.4740% | 1,367 |
| Loan and lease loss provision to assets | 0.5360% | 187 |
| Net operating income to assets | 1.7207% | 567 |
| Return on assets (ROA) | 1.7207% | 597 |
| Pretax return on assets | 2.7957% | 163 |
| Return on Equity (ROE) | 13.2703% | 1,031 |
| Retained earnings to average equity (ytd only) | 13.2703% | 421 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6527% | 5,874 |
| Assets per employee ($millions) | 6.1186% | 1,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3303% | 6,280 |
| Loan loss allowance to noncurrent loans | 48.8811% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 1.0645% | 2,488 |
| Noncurrent loans to loans | 0.6757% | 3,594 |
| Net loans and leases to total assets | 74.9419% | 1,364 |
| Net loans and leases to deposits | 90.3676% | 1,354 |
| Net loans and leases to core deposits | 96.8782% | 1,558 |
| Total domestic deposits to total assets | 82.9301% | 4,197 |
| Equity capital to assets | 13.0199% | 1,389 |
| Core capital (leverage) ratio | 9.6806% | 4,036 |
| Tier 1 risk-based capital ratio | 10.7343% | 5,925 |
| Total risk-based capital ratio | 11.0268% | 6,184 |
| Memoranda: | ||
| Average total assets | $270,124,500 | 2,383 |
| Average earning assets | $244,083,000 | 2,439 |
| Average equity | $35,025,500 | 2,068 |
| Average total loans | $204,239,000 | 2,057 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9943% | 6,472 |
| Cost of funding earning assets | 0.0762% | 6,382 |
| Net interest margin | 0.9181% | 6,471 |
| Noninterest income to average assets | 0.2420% | 5,393 |
| Noninterest expense to average assets | 0.6689% | 6,478 |
| Loan and lease loss provision to assets | 0.1456% | 1,815 |
| Net operating income to assets | 0.1711% | 5,823 |
| Return on assets (ROA) | 0.1711% | 5,873 |
| Pretax return on assets | 0.2757% | 5,746 |
| Return on Equity (ROE) | 1.6835% | 5,845 |
| Retained earnings to average equity (ytd only) | 1.6835% | 4,971 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8799% | 5,096 |
| Assets per employee ($millions) | 5.3916% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1712% | 6,421 |
| Loan loss allowance to noncurrent loans | 27.6003% | 5,707 |
| Noncurrent assets plus other real estate owned to assets | 1.0854% | 2,578 |
| Noncurrent loans to loans | 0.6203% | 3,827 |
| Net loans and leases to total assets | 75.9346% | 1,276 |
| Net loans and leases to deposits | 91.9747% | 1,291 |
| Net loans and leases to core deposits | 99.2360% | 1,443 |
| Total domestic deposits to total assets | 82.5603% | 4,230 |
| Equity capital to assets | 12.9083% | 1,412 |
| Core capital (leverage) ratio | 9.0090% | 4,989 |
| Tier 1 risk-based capital ratio | 10.7384% | 6,013 |
| Total risk-based capital ratio | 10.9005% | 6,308 |
| Memoranda: | ||
| Average total assets | $231,435,200 | 2,685 |
| Average earning assets | $213,819,400 | 2,670 |
| Average equity | $23,522,400 | 2,794 |
| Average total loans | $186,639,200 | 2,149 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0606% | 696 |
| Cost of funding earning assets | 0.7844% | 747 |
| Net interest margin | 4.2762% | 1,097 |
| Noninterest income to average assets | 1.7898% | 409 |
| Noninterest expense to average assets | 3.8403% | 918 |
| Loan and lease loss provision to assets | 0.4037% | 417 |
| Net operating income to assets | 0.9635% | 2,630 |
| Return on assets (ROA) | 0.9635% | 2,701 |
| Pretax return on assets | 1.5298% | 1,542 |
| Return on Equity (ROE) | 10.2793% | 2,076 |
| Retained earnings to average equity (ytd only) | 10.2793% | 636 |
| Net charge-offs to loans | 0.3375% | 1,189 |
| Credit loss provision to net charge-offs | 145.9227% | 1,618 |
| Earnings coverage of net charge-offs (x) | 6.9892% | 2,991 |
| Efficiency ratio | 66.2451% | 4,180 |
| Assets per employee ($millions) | 4.9630% | 2,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 3,873 |
| Loan loss allowance to noncurrent loans | 115.9884% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 1.6300% | 1,854 |
| Noncurrent loans to loans | 1.0872% | 2,897 |
| Net loans and leases to total assets | 78.6858% | 870 |
| Net loans and leases to deposits | 91.1128% | 1,312 |
| Net loans and leases to core deposits | 97.2034% | 1,576 |
| Total domestic deposits to total assets | 86.3609% | 2,665 |
| Equity capital to assets | 9.2307% | 5,112 |
| Core capital (leverage) ratio | 8.3486% | 5,805 |
| Tier 1 risk-based capital ratio | 9.8569% | 6,373 |
| Total risk-based capital ratio | 11.0690% | 6,355 |
| Memoranda: | ||
| Average total assets | $224,595,250 | 2,762 |
| Average earning assets | $209,243,750 | 2,734 |
| Average equity | $21,051,500 | 3,057 |
| Average total loans | $184,086,000 | 2,187 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0307% | 709 |
| Cost of funding earning assets | 0.7679% | 845 |
| Net interest margin | 4.2628% | 1,106 |
| Noninterest income to average assets | 1.4442% | 581 |
| Noninterest expense to average assets | 3.8091% | 966 |
| Loan and lease loss provision to assets | 0.2409% | 932 |
| Net operating income to assets | 0.8571% | 3,032 |
| Return on assets (ROA) | 0.8571% | 3,130 |
| Pretax return on assets | 1.3597% | 2,042 |
| Return on Equity (ROE) | 9.0941% | 2,546 |
| Retained earnings to average equity (ytd only) | 9.0941% | 959 |
| Net charge-offs to loans | 0.5171% | 788 |
| Credit loss provision to net charge-offs | 56.2633% | 2,695 |
| Earnings coverage of net charge-offs (x) | 3.7389% | 3,227 |
| Efficiency ratio | 70.1277% | 3,634 |
| Assets per employee ($millions) | 4.8202% | 2,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0600% | 5,075 |
| Loan loss allowance to noncurrent loans | 155.5118% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 1.4324% | 2,279 |
| Noncurrent loans to loans | 0.6816% | 4,010 |
| Net loans and leases to total assets | 81.3744% | 535 |
| Net loans and leases to deposits | 94.3575% | 938 |
| Net loans and leases to core deposits | 100.7790% | 1,221 |
| Total domestic deposits to total assets | 86.2404% | 2,906 |
| Equity capital to assets | 9.3887% | 4,854 |
| Core capital (leverage) ratio | 8.4441% | 5,696 |
| Tier 1 risk-based capital ratio | 9.7137% | 6,466 |
| Total risk-based capital ratio | 10.7372% | 6,482 |
| Memoranda: | ||
| Average total assets | $220,051,670 | 2,809 |
| Average earning assets | $204,702,330 | 2,786 |
| Average equity | $20,738,670 | 3,092 |
| Average total loans | $182,166,670 | 2,205 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0177% | 695 |
| Cost of funding earning assets | 0.7465% | 984 |
| Net interest margin | 4.2712% | 1,062 |
| Noninterest income to average assets | 1.4649% | 545 |
| Noninterest expense to average assets | 3.8376% | 933 |
| Loan and lease loss provision to assets | 0.2398% | 921 |
| Net operating income to assets | 0.8616% | 2,845 |
| Return on assets (ROA) | 0.8616% | 2,911 |
| Pretax return on assets | 1.3671% | 1,861 |
| Return on Equity (ROE) | 9.1242% | 2,405 |
| Retained earnings to average equity (ytd only) | 9.1242% | 1,211 |
| Net charge-offs to loans | 0.0444% | 2,764 |
| Credit loss provision to net charge-offs | 650.0000% | 439 |
| Earnings coverage of net charge-offs (x) | 43.5500% | 836 |
| Efficiency ratio | 70.2135% | 3,799 |
| Assets per employee ($millions) | 4.9515% | 2,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 4,346 |
| Loan loss allowance to noncurrent loans | 164.1117% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 1.5421% | 2,293 |
| Noncurrent loans to loans | 0.7658% | 3,947 |
| Net loans and leases to total assets | 80.7857% | 473 |
| Net loans and leases to deposits | 93.6434% | 824 |
| Net loans and leases to core deposits | 99.8032% | 1,115 |
| Total domestic deposits to total assets | 86.2696% | 3,224 |
| Equity capital to assets | 9.3071% | 4,754 |
| Core capital (leverage) ratio | 8.6317% | 5,489 |
| Tier 1 risk-based capital ratio | 9.6903% | 6,526 |
| Total risk-based capital ratio | 10.9090% | 6,510 |
| Memoranda: | ||
| Average total assets | $216,803,500 | 2,863 |
| Average earning assets | $202,005,500 | 2,832 |
| Average equity | $20,473,000 | 3,120 |
| Average total loans | $180,086,500 | 2,233 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2935% | 535 |
| Cost of funding earning assets | 0.7939% | 1,243 |
| Net interest margin | 4.4996% | 738 |
| Noninterest income to average assets | 1.4085% | 711 |
| Noninterest expense to average assets | 3.8604% | 1,043 |
| Loan and lease loss provision to assets | 0.3480% | 911 |
| Net operating income to assets | 0.8517% | 3,022 |
| Return on assets (ROA) | 0.8517% | 3,101 |
| Pretax return on assets | 1.3373% | 2,018 |
| Return on Equity (ROE) | 8.3683% | 2,843 |
| Retained earnings to average equity (ytd only) | 8.3683% | 937 |
| Net charge-offs to loans | -0.0280% | 6,215 |
| Credit loss provision to net charge-offs | -1,523.2558% | 6,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2757% | 3,963 |
| Assets per employee ($millions) | 4.6842% | 2,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 4,514 |
| Loan loss allowance to noncurrent loans | 198.8149% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 1.4882% | 2,499 |
| Noncurrent loans to loans | 0.6167% | 4,434 |
| Net loans and leases to total assets | 83.3515% | 299 |
| Net loans and leases to deposits | 97.3919% | 631 |
| Net loans and leases to core deposits | 103.2759% | 956 |
| Total domestic deposits to total assets | 85.5836% | 3,465 |
| Equity capital to assets | 9.5869% | 4,304 |
| Core capital (leverage) ratio | 8.7652% | 5,340 |
| Tier 1 risk-based capital ratio | 9.6439% | 6,585 |
| Total risk-based capital ratio | 10.8310% | 6,574 |
| Memoranda: | ||
| Average total assets | $188,219,400 | 3,180 |
| Average earning assets | $173,060,600 | 3,173 |
| Average equity | $19,155,600 | 3,263 |
| Average total loans | $153,441,600 | 2,513 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3071% | 525 |
| Cost of funding earning assets | 0.8080% | 1,280 |
| Net interest margin | 4.4991% | 743 |
| Noninterest income to average assets | 1.3641% | 780 |
| Noninterest expense to average assets | 3.7704% | 1,121 |
| Loan and lease loss provision to assets | 0.2921% | 1,175 |
| Net operating income to assets | 0.9099% | 2,781 |
| Return on assets (ROA) | 0.9099% | 2,888 |
| Pretax return on assets | 1.4248% | 1,851 |
| Return on Equity (ROE) | 8.7934% | 2,742 |
| Retained earnings to average equity (ytd only) | 8.7934% | 1,122 |
| Net charge-offs to loans | -0.0290% | 6,153 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3657% | 4,018 |
| Assets per employee ($millions) | 4.6637% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 4,913 |
| Loan loss allowance to noncurrent loans | 182.0342% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 1.7009% | 2,414 |
| Noncurrent loans to loans | 0.6531% | 4,568 |
| Net loans and leases to total assets | 79.3731% | 616 |
| Net loans and leases to deposits | 91.7652% | 996 |
| Net loans and leases to core deposits | 98.8272% | 1,184 |
| Total domestic deposits to total assets | 86.4959% | 2,967 |
| Equity capital to assets | 9.8101% | 4,164 |
| Core capital (leverage) ratio | 8.8398% | 5,347 |
| Tier 1 risk-based capital ratio | 10.0796% | 6,577 |
| Total risk-based capital ratio | 11.2064% | 6,573 |
| Memoranda: | ||
| Average total assets | $182,577,250 | 3,275 |
| Average earning assets | $167,319,500 | 3,284 |
| Average equity | $18,892,500 | 3,323 |
| Average total loans | $147,333,000 | 2,609 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3784% | 460 |
| Cost of funding earning assets | 0.8201% | 1,304 |
| Net interest margin | 4.5583% | 638 |
| Noninterest income to average assets | 1.2877% | 932 |
| Noninterest expense to average assets | 3.6763% | 1,290 |
| Loan and lease loss provision to assets | 0.2945% | 1,228 |
| Net operating income to assets | 0.9434% | 2,598 |
| Return on assets (ROA) | 0.9434% | 2,742 |
| Pretax return on assets | 1.4780% | 1,679 |
| Return on Equity (ROE) | 8.9414% | 2,636 |
| Retained earnings to average equity (ytd only) | 8.9414% | 1,147 |
| Net charge-offs to loans | -0.0280% | 6,082 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1170% | 4,339 |
| Assets per employee ($millions) | 4.8868% | 2,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 5,130 |
| Loan loss allowance to noncurrent loans | 222.7560% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 1.6900% | 2,575 |
| Noncurrent loans to loans | 0.5270% | 4,946 |
| Net loans and leases to total assets | 77.8337% | 769 |
| Net loans and leases to deposits | 90.3829% | 1,105 |
| Net loans and leases to core deposits | 97.0863% | 1,276 |
| Total domestic deposits to total assets | 86.1155% | 3,303 |
| Equity capital to assets | 10.0768% | 3,823 |
| Core capital (leverage) ratio | 9.5480% | 4,169 |
| Tier 1 risk-based capital ratio | 10.4135% | 6,533 |
| Total risk-based capital ratio | 11.5101% | 6,546 |
| Memoranda: | ||
| Average total assets | $176,590,000 | 3,352 |
| Average earning assets | $161,200,670 | 3,378 |
| Average equity | $18,632,330 | 3,381 |
| Average total loans | $142,747,670 | 2,676 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6577% | 289 |
| Cost of funding earning assets | 0.8506% | 1,252 |
| Net interest margin | 4.8071% | 396 |
| Noninterest income to average assets | 1.3232% | 880 |
| Noninterest expense to average assets | 3.6535% | 1,328 |
| Loan and lease loss provision to assets | 0.4245% | 710 |
| Net operating income to assets | 1.0260% | 2,119 |
| Return on assets (ROA) | 1.0260% | 2,232 |
| Pretax return on assets | 1.6039% | 1,299 |
| Return on Equity (ROE) | 9.4844% | 2,277 |
| Retained earnings to average equity (ytd only) | 9.4844% | 1,249 |
| Net charge-offs to loans | -0.0489% | 6,130 |
| Credit loss provision to net charge-offs | -1,058.8235% | 5,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9269% | 5,020 |
| Assets per employee ($millions) | 5.1135% | 2,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 5,293 |
| Loan loss allowance to noncurrent loans | 187.8076% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 1.8469% | 2,548 |
| Noncurrent loans to loans | 0.6258% | 4,881 |
| Net loans and leases to total assets | 81.1987% | 335 |
| Net loans and leases to deposits | 95.0468% | 602 |
| Net loans and leases to core deposits | 102.6922% | 791 |
| Total domestic deposits to total assets | 85.4302% | 3,827 |
| Equity capital to assets | 10.6799% | 3,342 |
| Core capital (leverage) ratio | 9.5035% | 4,069 |
| Tier 1 risk-based capital ratio | 10.6041% | 6,552 |
| Total risk-based capital ratio | 11.7179% | 6,569 |
| Memoranda: | ||
| Average total assets | $169,591,500 | 3,503 |
| Average earning assets | $153,772,000 | 3,529 |
| Average equity | $18,346,000 | 3,477 |
| Average total loans | $139,070,000 | 2,743 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6523% | 460 |
| Cost of funding earning assets | 0.9763% | 1,487 |
| Net interest margin | 4.6760% | 681 |
| Noninterest income to average assets | 0.9312% | 1,767 |
| Noninterest expense to average assets | 3.7127% | 1,393 |
| Loan and lease loss provision to assets | 0.4092% | 1,580 |
| Net operating income to assets | 0.6591% | 3,942 |
| Return on assets (ROA) | 0.6591% | 4,209 |
| Pretax return on assets | 1.0204% | 3,469 |
| Return on Equity (ROE) | 5.9491% | 4,196 |
| Retained earnings to average equity (ytd only) | 5.9491% | 2,104 |
| Net charge-offs to loans | 0.2497% | 3,440 |
| Credit loss provision to net charge-offs | 206.8259% | 1,236 |
| Earnings coverage of net charge-offs (x) | 7.2253% | 2,654 |
| Efficiency ratio | 71.7531% | 3,467 |
| Assets per employee ($millions) | 4.8624% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 5,569 |
| Loan loss allowance to noncurrent loans | 163.3958% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 2.0620% | 2,373 |
| Noncurrent loans to loans | 0.6704% | 4,857 |
| Net loans and leases to total assets | 80.9367% | 393 |
| Net loans and leases to deposits | 95.6591% | 643 |
| Net loans and leases to core deposits | 102.2786% | 877 |
| Total domestic deposits to total assets | 84.6095% | 4,034 |
| Equity capital to assets | 10.9628% | 2,998 |
| Core capital (leverage) ratio | 10.1453% | 3,208 |
| Tier 1 risk-based capital ratio | 11.1001% | 6,312 |
| Total risk-based capital ratio | 12.1606% | 6,349 |
| Memoranda: | ||
| Average total assets | $148,085,600 | 3,808 |
| Average earning assets | $133,362,000 | 3,837 |
| Average equity | $16,405,800 | 3,724 |
| Average total loans | $117,331,400 | 3,138 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6378% | 525 |
| Cost of funding earning assets | 1.0037% | 1,534 |
| Net interest margin | 4.6341% | 767 |
| Noninterest income to average assets | 0.7706% | 2,374 |
| Noninterest expense to average assets | 3.6408% | 1,474 |
| Loan and lease loss provision to assets | 0.4748% | 1,305 |
| Net operating income to assets | 0.5341% | 4,687 |
| Return on assets (ROA) | 0.5341% | 4,960 |
| Pretax return on assets | 0.8337% | 4,368 |
| Return on Equity (ROE) | 4.8070% | 4,914 |
| Retained earnings to average equity (ytd only) | 4.8070% | 3,508 |
| Net charge-offs to loans | 0.3037% | 2,919 |
| Credit loss provision to net charge-offs | 199.2218% | 1,397 |
| Earnings coverage of net charge-offs (x) | 5.4903% | 3,004 |
| Efficiency ratio | 73.0748% | 3,133 |
| Assets per employee ($millions) | 4.4377% | 3,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 5,426 |
| Loan loss allowance to noncurrent loans | 149.1099% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 2.2958% | 2,316 |
| Noncurrent loans to loans | 0.7852% | 4,838 |
| Net loans and leases to total assets | 79.6670% | 534 |
| Net loans and leases to deposits | 94.9299% | 726 |
| Net loans and leases to core deposits | 101.6705% | 1,007 |
| Total domestic deposits to total assets | 83.9220% | 4,256 |
| Equity capital to assets | 11.7362% | 2,498 |
| Core capital (leverage) ratio | 10.1871% | 3,300 |
| Tier 1 risk-based capital ratio | 11.9538% | 5,962 |
| Total risk-based capital ratio | 13.0831% | 6,020 |
| Memoranda: | ||
| Average total assets | $143,776,250 | 3,923 |
| Average earning assets | $129,645,000 | 3,951 |
| Average equity | $15,976,250 | 3,819 |
| Average total loans | $112,842,000 | 3,261 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5813% | 599 |
| Cost of funding earning assets | 1.0211% | 1,644 |
| Net interest margin | 4.5603% | 889 |
| Noninterest income to average assets | 0.7609% | 2,366 |
| Noninterest expense to average assets | 3.3647% | 2,114 |
| Loan and lease loss provision to assets | 0.5304% | 1,182 |
| Net operating income to assets | 0.6181% | 4,292 |
| Return on assets (ROA) | 0.6181% | 4,540 |
| Pretax return on assets | 0.9717% | 3,813 |
| Return on Equity (ROE) | 5.6757% | 4,491 |
| Retained earnings to average equity (ytd only) | 5.6757% | 2,891 |
| Net charge-offs to loans | 0.2748% | 2,941 |
| Credit loss provision to net charge-offs | 248.3444% | 1,163 |
| Earnings coverage of net charge-offs (x) | 7.0331% | 2,534 |
| Efficiency ratio | 68.6428% | 4,010 |
| Assets per employee ($millions) | 4.7472% | 2,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 5,299 |
| Loan loss allowance to noncurrent loans | 91.5845% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 2.5312% | 2,211 |
| Noncurrent loans to loans | 1.3237% | 3,933 |
| Net loans and leases to total assets | 77.1323% | 824 |
| Net loans and leases to deposits | 91.0353% | 1,043 |
| Net loans and leases to core deposits | 98.0123% | 1,271 |
| Total domestic deposits to total assets | 84.7279% | 3,984 |
| Equity capital to assets | 10.8940% | 3,235 |
| Core capital (leverage) ratio | 9.3184% | 4,427 |
| Tier 1 risk-based capital ratio | 11.0966% | 6,452 |
| Total risk-based capital ratio | 12.2504% | 6,479 |
| Memoranda: | ||
| Average total assets | $141,407,330 | 3,982 |
| Average earning assets | $127,317,330 | 4,009 |
| Average equity | $15,399,000 | 3,913 |
| Average total loans | $109,913,330 | 3,336 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5756% | 658 |
| Cost of funding earning assets | 1.0111% | 1,913 |
| Net interest margin | 4.5645% | 881 |
| Noninterest income to average assets | 0.1732% | 6,338 |
| Noninterest expense to average assets | 3.3322% | 2,195 |
| Loan and lease loss provision to assets | 0.4071% | 1,551 |
| Net operating income to assets | 0.3321% | 5,548 |
| Return on assets (ROA) | 0.3321% | 5,720 |
| Pretax return on assets | 0.5400% | 5,318 |
| Return on Equity (ROE) | 3.0499% | 5,699 |
| Retained earnings to average equity (ytd only) | 3.0499% | 4,729 |
| Net charge-offs to loans | 0.0894% | 3,622 |
| Credit loss provision to net charge-offs | 587.5000% | 582 |
| Earnings coverage of net charge-offs (x) | 13.6667% | 1,525 |
| Efficiency ratio | 77.2605% | 2,608 |
| Assets per employee ($millions) | 4.7515% | 2,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 5,597 |
| Loan loss allowance to noncurrent loans | 128.6000% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 2.2905% | 2,598 |
| Noncurrent loans to loans | 0.9162% | 4,836 |
| Net loans and leases to total assets | 75.6633% | 842 |
| Net loans and leases to deposits | 89.5508% | 1,002 |
| Net loans and leases to core deposits | 96.6486% | 1,243 |
| Total domestic deposits to total assets | 84.4920% | 4,277 |
| Equity capital to assets | 10.9782% | 2,928 |
| Core capital (leverage) ratio | 9.7366% | 3,724 |
| Tier 1 risk-based capital ratio | 11.4587% | 6,306 |
| Total risk-based capital ratio | 12.5891% | 6,350 |
| Memoranda: | ||
| Average total assets | $138,529,000 | 4,061 |
| Average earning assets | $124,614,000 | 4,098 |
| Average equity | $15,082,500 | 3,975 |
| Average total loans | $107,418,000 | 3,423 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4414% | 1,320 |
| Cost of funding earning assets | 1.3015% | 1,480 |
| Net interest margin | 4.1399% | 2,268 |
| Noninterest income to average assets | 0.4355% | 4,328 |
| Noninterest expense to average assets | 3.2627% | 2,646 |
| Loan and lease loss provision to assets | 0.4813% | 2,197 |
| Net operating income to assets | 0.5224% | 4,330 |
| Return on assets (ROA) | 0.5224% | 4,538 |
| Pretax return on assets | 0.5263% | 4,914 |
| Return on Equity (ROE) | 4.7469% | 4,505 |
| Retained earnings to average equity (ytd only) | 4.7469% | 2,824 |
| Net charge-offs to loans | 0.1449% | 4,983 |
| Credit loss provision to net charge-offs | 466.1654% | 483 |
| Earnings coverage of net charge-offs (x) | 9.7594% | 1,939 |
| Efficiency ratio | 75.7862% | 2,916 |
| Assets per employee ($millions) | 4.9819% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1060% | 5,792 |
| Loan loss allowance to noncurrent loans | 98.6498% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 2.6793% | 2,271 |
| Noncurrent loans to loans | 1.1212% | 4,481 |
| Net loans and leases to total assets | 77.7076% | 743 |
| Net loans and leases to deposits | 92.2332% | 949 |
| Net loans and leases to core deposits | 97.2652% | 1,394 |
| Total domestic deposits to total assets | 84.2512% | 4,216 |
| Equity capital to assets | 10.7916% | 3,206 |
| Core capital (leverage) ratio | 9.3306% | 4,280 |
| Tier 1 risk-based capital ratio | 10.8442% | 6,535 |
| Total risk-based capital ratio | 11.9147% | 6,591 |
| Memoranda: | ||
| Average total assets | $128,819,400 | 4,195 |
| Average earning assets | $119,325,200 | 4,147 |
| Average equity | $14,177,800 | 4,071 |
| Average total loans | $91,777,800 | 3,816 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3874% | 1,551 |
| Cost of funding earning assets | 1.3575% | 1,430 |
| Net interest margin | 4.0299% | 2,780 |
| Noninterest income to average assets | 0.5160% | 3,750 |
| Noninterest expense to average assets | 3.0309% | 3,433 |
| Loan and lease loss provision to assets | 0.5442% | 1,809 |
| Net operating income to assets | 0.7002% | 3,622 |
| Return on assets (ROA) | 0.7002% | 3,788 |
| Pretax return on assets | 0.7002% | 4,478 |
| Return on Equity (ROE) | 6.3291% | 3,857 |
| Retained earnings to average equity (ytd only) | 6.3291% | 2,347 |
| Net charge-offs to loans | 0.1767% | 4,389 |
| Credit loss provision to net charge-offs | 444.4444% | 627 |
| Earnings coverage of net charge-offs (x) | 10.1621% | 1,964 |
| Efficiency ratio | 70.2570% | 3,915 |
| Assets per employee ($millions) | 4.8700% | 2,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 5,788 |
| Loan loss allowance to noncurrent loans | 428.8538% | 747 |
| Noncurrent assets plus other real estate owned to assets | 2.1103% | 3,020 |
| Noncurrent loans to loans | 0.2624% | 6,349 |
| Net loans and leases to total assets | 75.2825% | 1,100 |
| Net loans and leases to deposits | 90.1962% | 1,194 |
| Net loans and leases to core deposits | 98.9300% | 1,345 |
| Total domestic deposits to total assets | 83.4654% | 4,496 |
| Equity capital to assets | 11.4556% | 2,726 |
| Core capital (leverage) ratio | 9.4931% | 4,154 |
| Tier 1 risk-based capital ratio | 12.0643% | 5,852 |
| Total risk-based capital ratio | 13.1737% | 5,925 |
| Memoranda: | ||
| Average total assets | $127,396,250 | 4,242 |
| Average earning assets | $118,841,750 | 4,185 |
| Average equity | $14,093,250 | 4,107 |
| Average total loans | $88,298,500 | 3,940 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2899% | 1,922 |
| Cost of funding earning assets | 1.3492% | 1,655 |
| Net interest margin | 3.9407% | 3,120 |
| Noninterest income to average assets | 0.1379% | 6,638 |
| Noninterest expense to average assets | 2.8514% | 4,228 |
| Loan and lease loss provision to assets | 0.5797% | 1,670 |
| Net operating income to assets | 0.4089% | 4,901 |
| Return on assets (ROA) | 0.4089% | 5,059 |
| Pretax return on assets | 0.4089% | 5,367 |
| Return on Equity (ROE) | 3.7403% | 5,045 |
| Retained earnings to average equity (ytd only) | 3.7403% | 3,834 |
| Net charge-offs to loans | 0.3575% | 3,126 |
| Credit loss provision to net charge-offs | 241.8301% | 1,250 |
| Earnings coverage of net charge-offs (x) | 4.1242% | 2,954 |
| Efficiency ratio | 73.5618% | 3,450 |
| Assets per employee ($millions) | 5.3634% | 1,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9795% | 6,420 |
| Loan loss allowance to noncurrent loans | 243.6314% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.4483% | 6,024 |
| Noncurrent loans to loans | 0.4021% | 6,097 |
| Net loans and leases to total assets | 70.6023% | 2,091 |
| Net loans and leases to deposits | 84.0415% | 2,102 |
| Net loans and leases to core deposits | 92.0919% | 2,113 |
| Total domestic deposits to total assets | 84.0088% | 4,347 |
| Equity capital to assets | 10.9679% | 2,994 |
| Core capital (leverage) ratio | 8.5405% | 5,491 |
| Tier 1 risk-based capital ratio | 12.0704% | 5,728 |
| Total risk-based capital ratio | 13.0626% | 5,913 |
| Memoranda: | ||
| Average total assets | $127,655,330 | 4,275 |
| Average earning assets | $119,927,330 | 4,187 |
| Average equity | $13,956,000 | 4,132 |
| Average total loans | $85,595,670 | 4,055 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2891% | 1,897 |
| Cost of funding earning assets | 1.3649% | 1,807 |
| Net interest margin | 3.9241% | 3,029 |
| Noninterest income to average assets | 0.1227% | 6,801 |
| Noninterest expense to average assets | 2.6935% | 4,862 |
| Loan and lease loss provision to assets | 0.6293% | 1,370 |
| Net operating income to assets | 0.4909% | 4,521 |
| Return on assets (ROA) | 0.4909% | 4,608 |
| Pretax return on assets | 0.4909% | 5,057 |
| Return on Equity (ROE) | 4.4973% | 4,657 |
| Retained earnings to average equity (ytd only) | 4.4973% | 3,473 |
| Net charge-offs to loans | 0.3830% | 2,541 |
| Credit loss provision to net charge-offs | 253.1646% | 1,230 |
| Earnings coverage of net charge-offs (x) | 4.5063% | 2,463 |
| Efficiency ratio | 69.8845% | 4,302 |
| Assets per employee ($millions) | 5.8000% | 1,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9630% | 6,507 |
| Loan loss allowance to noncurrent loans | 156.5302% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.4430% | 6,105 |
| Noncurrent loans to loans | 0.6152% | 5,802 |
| Net loans and leases to total assets | 61.9063% | 3,879 |
| Net loans and leases to deposits | 73.1289% | 3,896 |
| Net loans and leases to core deposits | 80.1007% | 3,742 |
| Total domestic deposits to total assets | 84.6537% | 4,204 |
| Equity capital to assets | 10.4633% | 3,221 |
| Core capital (leverage) ratio | 8.3850% | 5,654 |
| Tier 1 risk-based capital ratio | 13.2134% | 4,653 |
| Total risk-based capital ratio | 14.1946% | 4,855 |
| Memoranda: | ||
| Average total assets | $127,122,500 | 4,320 |
| Average earning assets | $119,567,500 | 4,229 |
| Average equity | $13,875,000 | 4,133 |
| Average total loans | $82,504,000 | 4,179 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4215% | 7,411 |
| Cost of funding earning assets | 0.9063% | 6,152 |
| Net interest margin | 2.5151% | 7,259 |
| Noninterest income to average assets | 0.1585% | 6,590 |
| Noninterest expense to average assets | 2.4751% | 5,881 |
| Loan and lease loss provision to assets | 0.6900% | 2,383 |
| Net operating income to assets | -0.7345% | 6,540 |
| Return on assets (ROA) | -0.6508% | 6,513 |
| Pretax return on assets | -0.6499% | 6,426 |
| Return on Equity (ROE) | -6.7444% | 6,543 |
| Retained earnings to average equity (ytd only) | -6.7444% | 6,445 |
| Net charge-offs to loans | 0.1281% | 5,623 |
| Credit loss provision to net charge-offs | 833.3333% | 257 |
| Earnings coverage of net charge-offs (x) | -0.5269% | 6,468 |
| Efficiency ratio | 100.9520% | 749 |
| Assets per employee ($millions) | 5.4930% | 1,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8356% | 6,892 |
| Loan loss allowance to noncurrent loans | 95.2514% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.6124% | 5,797 |
| Noncurrent loans to loans | 0.8772% | 5,313 |
| Net loans and leases to total assets | 66.9784% | 3,231 |
| Net loans and leases to deposits | 83.8626% | 2,471 |
| Net loans and leases to core deposits | 86.9416% | 3,193 |
| Total domestic deposits to total assets | 79.8668% | 5,873 |
| Equity capital to assets | 11.4130% | 2,336 |
| Core capital (leverage) ratio | 9.0178% | 4,512 |
| Tier 1 risk-based capital ratio | 13.6479% | 4,098 |
| Total risk-based capital ratio | 14.5226% | 4,353 |
| Memoranda: | ||
| Average total assets | $112,320,200 | 4,649 |
| Average earning assets | $101,506,400 | 4,686 |
| Average equity | $10,838,600 | 4,902 |
| Average total loans | $72,595,800 | 4,585 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7659% | 7,652 |
| Cost of funding earning assets | 0.7260% | 6,990 |
| Net interest margin | 2.0399% | 7,567 |
| Noninterest income to average assets | 0.1222% | 6,941 |
| Noninterest expense to average assets | 2.1937% | 6,621 |
| Loan and lease loss provision to assets | 0.6655% | 2,302 |
| Net operating income to assets | -0.5774% | 6,650 |
| Return on assets (ROA) | -0.5046% | 6,639 |
| Pretax return on assets | -0.8010% | 6,737 |
| Return on Equity (ROE) | -5.5047% | 6,685 |
| Retained earnings to average equity (ytd only) | -5.5047% | 6,596 |
| Net charge-offs to loans | 0.0057% | 6,591 |
| Credit loss provision to net charge-offs | 18,333.3333% | 13 |
| Earnings coverage of net charge-offs (x) | -68.6650% | 6,660 |
| Efficiency ratio | 111.9477% | 492 |
| Assets per employee ($millions) | 5.5696% | 1,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7643% | 7,071 |
| Loan loss allowance to noncurrent loans | 54.7548% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 2.7291% | 2,657 |
| Noncurrent loans to loans | 1.3959% | 4,524 |
| Net loans and leases to total assets | 60.7206% | 4,773 |
| Net loans and leases to deposits | 76.4832% | 4,085 |
| Net loans and leases to core deposits | 76.4832% | 4,997 |
| Total domestic deposits to total assets | 79.3907% | 5,899 |
| Equity capital to assets | 10.3418% | 3,712 |
| Core capital (leverage) ratio | 8.4333% | 5,635 |
| Tier 1 risk-based capital ratio | 13.4054% | 4,264 |
| Total risk-based capital ratio | 14.2028% | 4,594 |
| Memoranda: | ||
| Average total assets | $110,189,000 | 4,761 |
| Average earning assets | $98,434,750 | 4,825 |
| Average equity | $10,100,250 | 5,159 |
| Average total loans | $70,339,250 | 4,741 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6175% | 7,784 |
| Cost of funding earning assets | 0.4217% | 7,641 |
| Net interest margin | 1.1958% | 7,768 |
| Noninterest income to average assets | 0.0537% | 7,319 |
| Noninterest expense to average assets | 1.5065% | 7,612 |
| Loan and lease loss provision to assets | 0.0927% | 5,990 |
| Net operating income to assets | -0.3076% | 6,480 |
| Return on assets (ROA) | -0.3076% | 6,524 |
| Pretax return on assets | -0.4892% | 6,577 |
| Return on Equity (ROE) | -3.5188% | 6,570 |
| Retained earnings to average equity (ytd only) | -3.5188% | 6,373 |
| Net charge-offs to loans | -0.0029% | 7,084 |
| Credit loss provision to net charge-offs | -5,000.0000% | 7,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.7245% | 285 |
| Assets per employee ($millions) | 6.0541% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0755% | 7,744 |
| Loan loss allowance to noncurrent loans | 4.1195% | 7,314 |
| Noncurrent assets plus other real estate owned to assets | 3.3560% | 2,096 |
| Noncurrent loans to loans | 1.8327% | 3,962 |
| Net loans and leases to total assets | 65.5839% | 3,919 |
| Net loans and leases to deposits | 86.8501% | 2,368 |
| Net loans and leases to core deposits | 88.1464% | 3,528 |
| Total domestic deposits to total assets | 75.5140% | 6,774 |
| Equity capital to assets | 12.0278% | 2,080 |
| Core capital (leverage) ratio | 9.6128% | 3,662 |
| Tier 1 risk-based capital ratio | 14.2730% | 3,560 |
| Total risk-based capital ratio | 14.3500% | 4,316 |
| Memoranda: | ||
| Average total assets | $107,931,330 | 4,860 |
| Average earning assets | $95,332,000 | 4,949 |
| Average equity | $9,435,000 | 5,361 |
| Average total loans | $69,930,000 | 4,795 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0301% | 4,880 |
| Cost of funding earning assets | 2.4755% | 241 |
| Net interest margin | 2.5546% | 7,424 |
| Noninterest income to average assets | 0.2825% | 5,882 |
| Noninterest expense to average assets | 3.1185% | 3,188 |
| Loan and lease loss provision to assets | 0.9960% | 1,255 |
| Net operating income to assets | -1.6082% | 7,362 |
| Return on assets (ROA) | -1.6082% | 7,365 |
| Pretax return on assets | -1.6082% | 7,291 |
| Return on Equity (ROE) | -22.3032% | 7,472 |
| Retained earnings to average equity (ytd only) | -22.3032% | 7,422 |
| Net charge-offs to loans | 1.9741% | 870 |
| Credit loss provision to net charge-offs | 78.3476% | 3,924 |
| Earnings coverage of net charge-offs (x) | -0.4815% | 5,272 |
| Efficiency ratio | 124.1329% | 398 |
| Assets per employee ($millions) | 8.5487% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5056% | 546 |
| Loan loss allowance to noncurrent loans | 64.8778% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 11.0602% | 328 |
| Noncurrent loans to loans | 5.4034% | 1,306 |
| Net loans and leases to total assets | 65.5248% | 3,979 |
| Net loans and leases to deposits | 80.7763% | 3,497 |
| Net loans and leases to core deposits | 81.8963% | 4,503 |
| Total domestic deposits to total assets | 81.1189% | 5,415 |
| Equity capital to assets | 7.5460% | 7,035 |
| Core capital (leverage) ratio | 4.9008% | 7,711 |
| Tier 1 risk-based capital ratio | 6.9895% | 7,696 |
| Total risk-based capital ratio | 8.2649% | 7,699 |
| Memoranda: | ||
| Average total assets | $110,437,000 | 4,861 |
| Average earning assets | $96,140,500 | 4,984 |
| Average equity | $7,963,000 | 5,860 |
| Average total loans | $71,120,000 | 4,816 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8204% | 2,576 |
| Cost of funding earning assets | 3.1287% | 154 |
| Net interest margin | 2.6917% | 7,219 |
| Noninterest income to average assets | 0.0311% | 7,585 |
| Noninterest expense to average assets | 3.8368% | 1,618 |
| Loan and lease loss provision to assets | 3.2071% | 510 |
| Net operating income to assets | -3.2844% | 7,460 |
| Return on assets (ROA) | -3.2844% | 7,458 |
| Pretax return on assets | -4.6825% | 7,662 |
| Return on Equity (ROE) | -46.6296% | 7,646 |
| Retained earnings to average equity (ytd only) | -46.6296% | 7,635 |
| Net charge-offs to loans | 3.7945% | 467 |
| Credit loss provision to net charge-offs | 110.2601% | 4,991 |
| Earnings coverage of net charge-offs (x) | -0.5072% | 6,696 |
| Efficiency ratio | 115.2367% | 682 |
| Assets per employee ($millions) | 8.4493% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4693% | 545 |
| Loan loss allowance to noncurrent loans | 104.2219% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 9.0650% | 443 |
| Noncurrent loans to loans | 3.3287% | 2,288 |
| Net loans and leases to total assets | 59.2290% | 5,459 |
| Net loans and leases to deposits | 71.1174% | 5,452 |
| Net loans and leases to core deposits | 117.6168% | 2,170 |
| Total domestic deposits to total assets | 83.2835% | 4,391 |
| Equity capital to assets | 6.9194% | 7,406 |
| Core capital (leverage) ratio | 5.4578% | 7,720 |
| Tier 1 risk-based capital ratio | 7.2867% | 7,716 |
| Total risk-based capital ratio | 8.5380% | 7,724 |
| Memoranda: | ||
| Average total assets | $118,954,800 | 4,607 |
| Average earning assets | $102,983,200 | 4,760 |
| Average equity | $8,378,800 | 5,813 |
| Average total loans | $91,185,000 | 4,182 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0104% | 1,995 |
| Cost of funding earning assets | 3.3191% | 126 |
| Net interest margin | 2.6913% | 7,226 |
| Noninterest income to average assets | -0.1041% | 7,934 |
| Noninterest expense to average assets | 4.2813% | 935 |
| Loan and lease loss provision to assets | 4.2701% | 250 |
| Net operating income to assets | -6.2937% | 7,942 |
| Return on assets (ROA) | -6.2937% | 7,938 |
| Pretax return on assets | -6.3329% | 7,925 |
| Return on Equity (ROE) | -88.9632% | 7,987 |
| Retained earnings to average equity (ytd only) | -88.9632% | 7,986 |
| Net charge-offs to loans | 4.6217% | 267 |
| Credit loss provision to net charge-offs | 114.8405% | 4,420 |
| Earnings coverage of net charge-offs (x) | -0.5548% | 6,491 |
| Efficiency ratio | 126.1857% | 516 |
| Assets per employee ($millions) | 7.6267% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3528% | 481 |
| Loan loss allowance to noncurrent loans | 92.8671% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 9.5276% | 381 |
| Noncurrent loans to loans | 3.6103% | 2,067 |
| Net loans and leases to total assets | 71.7038% | 3,110 |
| Net loans and leases to deposits | 86.5370% | 3,219 |
| Net loans and leases to core deposits | 116.7800% | 2,544 |
| Total domestic deposits to total assets | 82.8591% | 4,293 |
| Equity capital to assets | 6.0586% | 7,849 |
| Core capital (leverage) ratio | 4.9520% | 7,924 |
| Tier 1 risk-based capital ratio | 6.8230% | 7,913 |
| Total risk-based capital ratio | 8.0976% | 7,917 |
| Memoranda: | ||
| Average total assets | $119,121,000 | 4,622 |
| Average earning assets | $102,797,250 | 4,795 |
| Average equity | $8,427,250 | 5,843 |
| Average total loans | $95,836,250 | 4,087 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0520% | 1,976 |
| Cost of funding earning assets | 3.3728% | 161 |
| Net interest margin | 2.6793% | 7,245 |
| Noninterest income to average assets | 0.0503% | 7,737 |
| Noninterest expense to average assets | 4.7875% | 599 |
| Loan and lease loss provision to assets | 5.0553% | 198 |
| Net operating income to assets | -7.4410% | 8,069 |
| Return on assets (ROA) | -7.4410% | 8,058 |
| Pretax return on assets | -7.4978% | 8,040 |
| Return on Equity (ROE) | -100.9912% | 8,077 |
| Retained earnings to average equity (ytd only) | -100.9912% | 8,076 |
| Net charge-offs to loans | 5.8219% | 196 |
| Credit loss provision to net charge-offs | 105.5574% | 4,359 |
| Earnings coverage of net charge-offs (x) | -0.5100% | 6,079 |
| Efficiency ratio | 112.6644% | 782 |
| Assets per employee ($millions) | 6.6956% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5506% | 857 |
| Loan loss allowance to noncurrent loans | 63.8234% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 7.3991% | 544 |
| Noncurrent loans to loans | 3.9963% | 1,703 |
| Net loans and leases to total assets | 78.1085% | 1,719 |
| Net loans and leases to deposits | 97.3843% | 1,614 |
| Net loans and leases to core deposits | 132.1546% | 1,426 |
| Total domestic deposits to total assets | 80.2065% | 5,391 |
| Equity capital to assets | 6.5952% | 7,790 |
| Core capital (leverage) ratio | 5.4844% | 7,986 |
| Tier 1 risk-based capital ratio | 7.2606% | 7,982 |
| Total risk-based capital ratio | 8.5269% | 7,990 |
| Memoranda: | ||
| Average total assets | $123,236,670 | 4,554 |
| Average earning assets | $105,551,330 | 4,735 |
| Average equity | $9,080,000 | 5,657 |
| Average total loans | $101,376,000 | 3,977 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9218% | 2,688 |
| Cost of funding earning assets | 3.3958% | 205 |
| Net interest margin | 2.5260% | 7,468 |
| Noninterest income to average assets | 0.1813% | 6,998 |
| Noninterest expense to average assets | 6.5905% | 228 |
| Loan and lease loss provision to assets | 9.7387% | 48 |
| Net operating income to assets | -13.8594% | 8,201 |
| Return on assets (ROA) | -13.9156% | 8,195 |
| Pretax return on assets | -14.0251% | 8,194 |
| Return on Equity (ROE) | -180.4490% | 8,187 |
| Retained earnings to average equity (ytd only) | -180.4490% | 8,185 |
| Net charge-offs to loans | 6.7714% | 129 |
| Credit loss provision to net charge-offs | 172.8635% | 2,483 |
| Earnings coverage of net charge-offs (x) | -0.7508% | 5,313 |
| Efficiency ratio | 104.5033% | 966 |
| Assets per employee ($millions) | 6.1662% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4034% | 341 |
| Loan loss allowance to noncurrent loans | 46.1498% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 8.0585% | 362 |
| Noncurrent loans to loans | 7.3748% | 515 |
| Net loans and leases to total assets | 79.9981% | 1,389 |
| Net loans and leases to deposits | 97.7576% | 1,702 |
| Net loans and leases to core deposits | 128.8560% | 1,724 |
| Total domestic deposits to total assets | 81.8331% | 4,621 |
| Equity capital to assets | 6.1959% | 7,956 |
| Core capital (leverage) ratio | 5.1722% | 8,113 |
| Tier 1 risk-based capital ratio | 6.8945% | 8,105 |
| Total risk-based capital ratio | 8.1730% | 8,112 |
| Memoranda: | ||
| Average total assets | $127,942,500 | 4,451 |
| Average earning assets | $110,372,500 | 4,629 |
| Average equity | $9,866,500 | 5,428 |
| Average total loans | $106,447,000 | 3,874 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0249% | 1,065 |
| Cost of funding earning assets | 3.7465% | 233 |
| Net interest margin | 3.2784% | 6,109 |
| Noninterest income to average assets | 0.3671% | 5,768 |
| Noninterest expense to average assets | 2.6736% | 5,367 |
| Loan and lease loss provision to assets | 2.3857% | 453 |
| Net operating income to assets | -1.1812% | 7,334 |
| Return on assets (ROA) | -0.9709% | 7,155 |
| Pretax return on assets | -1.4963% | 7,250 |
| Return on Equity (ROE) | -10.9354% | 7,340 |
| Retained earnings to average equity (ytd only) | -11.2686% | 7,178 |
| Net charge-offs to loans | 1.6633% | 670 |
| Credit loss provision to net charge-offs | 165.5383% | 3,107 |
| Earnings coverage of net charge-offs (x) | 0.4711% | 5,954 |
| Efficiency ratio | 79.5086% | 2,672 |
| Assets per employee ($millions) | 5.5234% | 1,442 |
| Cash dividends to net income (ytd only)* | -3.0478% | 7,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9528% | 1,315 |
| Loan loss allowance to noncurrent loans | 41.5802% | 5,952 |
| Noncurrent assets plus other real estate owned to assets | 5.6411% | 562 |
| Noncurrent loans to loans | 4.6966% | 989 |
| Net loans and leases to total assets | 81.9232% | 1,244 |
| Net loans and leases to deposits | 110.0863% | 825 |
| Net loans and leases to core deposits | 146.3125% | 1,008 |
| Total domestic deposits to total assets | 74.4173% | 6,577 |
| Equity capital to assets | 9.1218% | 5,193 |
| Core capital (leverage) ratio | 8.0579% | 6,393 |
| Tier 1 risk-based capital ratio | 9.6307% | 7,172 |
| Total risk-based capital ratio | 10.8780% | 7,063 |
| Memoranda: | ||
| Average total assets | $125,039,000 | 4,393 |
| Average earning assets | $113,866,600 | 4,420 |
| Average equity | $11,101,600 | 5,097 |
| Average total loans | $108,338,400 | 3,727 |