Home > American Patriot Bank > Performance and Condition Ratios
American Patriot Bank, Performance and Condition Ratios
| 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 | 4.8311% | 839 |
| Cost of funding earning assets | 0.8333% | 422 |
| Net interest margin | 3.9978% | 1,658 |
| Noninterest income to average assets | 1.5706% | 501 |
| Noninterest expense to average assets | 4.8619% | 293 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.3067% | 5,825 |
| Return on assets (ROA) | -0.3067% | 5,834 |
| Pretax return on assets | -0.3067% | 5,816 |
| Return on Equity (ROE) | -14.8177% | 5,924 |
| Retained earnings to average equity (ytd only) | -14.8177% | 5,888 |
| Net charge-offs to loans | 0.0643% | 2,427 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -7.4220% | 3,910 |
| Efficiency ratio | 106.7335% | 149 |
| Assets per employee ($millions) | 2.6375% | 5,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9152% | 834 |
| Loan loss allowance to noncurrent loans | 85.6655% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 11.8861% | 30 |
| Noncurrent loans to loans | 2.2357% | 832 |
| Net loans and leases to total assets | 66.4599% | 3,047 |
| Net loans and leases to deposits | 68.3008% | 4,122 |
| Net loans and leases to core deposits | 70.4198% | 4,290 |
| Total domestic deposits to total assets | 97.3047% | 3 |
| Equity capital to assets | 2.0870% | 5,977 |
| Core capital (leverage) ratio | 2.0380% | 5,978 |
| Tier 1 risk-based capital ratio | 2.9175% | 5,979 |
| Total risk-based capital ratio | 4.1748% | 5,979 |
| Memoranda: | ||
| Average total assets | $61,291,500 | 5,158 |
| Average earning assets | $45,757,750 | 5,390 |
| Average equity | $1,268,750 | 5,962 |
| Average total loans | $39,369,250 | 4,945 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8452% | 809 |
| Cost of funding earning assets | 0.8415% | 393 |
| Net interest margin | 4.0037% | 1,632 |
| Noninterest income to average assets | 1.2953% | 685 |
| Noninterest expense to average assets | 4.6105% | 345 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.3559% | 5,893 |
| Return on assets (ROA) | -0.3559% | 5,903 |
| Pretax return on assets | -0.3559% | 5,895 |
| Return on Equity (ROE) | -17.2360% | 6,003 |
| Retained earnings to average equity (ytd only) | -17.2360% | 5,953 |
| Net charge-offs to loans | 0.3656% | 634 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -1.5417% | 3,601 |
| Efficiency ratio | 108.3647% | 153 |
| Assets per employee ($millions) | 2.7195% | 5,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8237% | 1,042 |
| Loan loss allowance to noncurrent loans | 83.7321% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 16.4031% | 13 |
| Noncurrent loans to loans | 2.1780% | 869 |
| Net loans and leases to total assets | 62.9835% | 3,501 |
| Net loans and leases to deposits | 64.6985% | 4,442 |
| Net loans and leases to core deposits | 66.6425% | 4,560 |
| Total domestic deposits to total assets | 97.3492% | 3 |
| Equity capital to assets | 2.0826% | 6,056 |
| Core capital (leverage) ratio | 2.0092% | 6,056 |
| Tier 1 risk-based capital ratio | 2.8429% | 6,055 |
| Total risk-based capital ratio | 4.0969% | 6,055 |
| Memoranda: | ||
| Average total assets | $62,380,000 | 5,191 |
| Average earning assets | $46,107,330 | 5,444 |
| Average equity | $1,288,000 | 6,038 |
| Average total loans | $39,386,670 | 4,988 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8793% | 721 |
| Cost of funding earning assets | 0.8372% | 408 |
| Net interest margin | 4.0421% | 1,499 |
| Noninterest income to average assets | 1.3447% | 612 |
| Noninterest expense to average assets | 4.8072% | 306 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.4587% | 5,953 |
| Return on assets (ROA) | -0.4587% | 5,961 |
| Pretax return on assets | -0.4587% | 5,951 |
| Return on Equity (ROE) | -22.3071% | 6,074 |
| Retained earnings to average equity (ytd only) | -22.3071% | 5,983 |
| Net charge-offs to loans | 0.3911% | 570 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -1.8718% | 3,018 |
| Efficiency ratio | 110.5491% | 150 |
| Assets per employee ($millions) | 2.7208% | 5,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8766% | 1,001 |
| Loan loss allowance to noncurrent loans | 97.4734% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 15.4703% | 20 |
| Noncurrent loans to loans | 1.9252% | 1,126 |
| Net loans and leases to total assets | 61.2484% | 3,626 |
| Net loans and leases to deposits | 62.9504% | 4,512 |
| Net loans and leases to core deposits | 64.4309% | 4,662 |
| Total domestic deposits to total assets | 97.2962% | 5 |
| Equity capital to assets | 2.0407% | 6,119 |
| Core capital (leverage) ratio | 2.0086% | 6,118 |
| Tier 1 risk-based capital ratio | 2.8821% | 6,120 |
| Total risk-based capital ratio | 4.1380% | 6,120 |
| Memoranda: | ||
| Average total assets | $63,655,000 | 5,203 |
| Average earning assets | $47,302,000 | 5,466 |
| Average equity | $1,309,000 | 6,099 |
| Average total loans | $39,888,500 | 5,010 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9741% | 664 |
| Cost of funding earning assets | 0.8376% | 408 |
| Net interest margin | 4.1365% | 1,319 |
| Noninterest income to average assets | 1.1041% | 963 |
| Noninterest expense to average assets | 4.5733% | 390 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.3372% | 5,998 |
| Return on assets (ROA) | -0.3372% | 6,003 |
| Pretax return on assets | -0.3372% | 5,992 |
| Return on Equity (ROE) | -16.2054% | 6,128 |
| Retained earnings to average equity (ytd only) | -16.2054% | 6,101 |
| Net charge-offs to loans | 1.2730% | 133 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -0.4216% | 4,301 |
| Efficiency ratio | 107.9605% | 157 |
| Assets per employee ($millions) | 2.8144% | 5,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8961% | 965 |
| Loan loss allowance to noncurrent loans | 113.8643% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 15.2166% | 22 |
| Noncurrent loans to loans | 1.6652% | 1,367 |
| Net loans and leases to total assets | 61.7067% | 3,601 |
| Net loans and leases to deposits | 63.5030% | 4,503 |
| Net loans and leases to core deposits | 65.7904% | 4,612 |
| Total domestic deposits to total assets | 97.1714% | 3 |
| Equity capital to assets | 2.0716% | 6,179 |
| Core capital (leverage) ratio | 2.0488% | 6,180 |
| Tier 1 risk-based capital ratio | 2.9580% | 6,179 |
| Total risk-based capital ratio | 4.2143% | 6,179 |
| Memoranda: | ||
| Average total assets | $67,020,000 | 5,156 |
| Average earning assets | $50,743,000 | 5,417 |
| Average equity | $1,394,600 | 6,157 |
| Average total loans | $42,105,000 | 4,927 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9678% | 663 |
| Cost of funding earning assets | 0.8358% | 411 |
| Net interest margin | 4.1321% | 1,321 |
| Noninterest income to average assets | 0.9685% | 1,267 |
| Noninterest expense to average assets | 4.5586% | 391 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.4497% | 6,129 |
| Return on assets (ROA) | -0.4497% | 6,133 |
| Pretax return on assets | -0.4497% | 6,125 |
| Return on Equity (ROE) | -21.5902% | 6,224 |
| Retained earnings to average equity (ytd only) | -21.5902% | 6,206 |
| Net charge-offs to loans | 1.2783% | 127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -0.5602% | 4,030 |
| Efficiency ratio | 110.9458% | 144 |
| Assets per employee ($millions) | 2.7468% | 5,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1313% | 729 |
| Loan loss allowance to noncurrent loans | 57.8306% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 15.8640% | 17 |
| Noncurrent loans to loans | 3.6855% | 396 |
| Net loans and leases to total assets | 62.7596% | 3,494 |
| Net loans and leases to deposits | 64.5616% | 4,510 |
| Net loans and leases to core deposits | 67.1705% | 4,613 |
| Total domestic deposits to total assets | 97.2089% | 4 |
| Equity capital to assets | 2.0433% | 6,268 |
| Core capital (leverage) ratio | 2.0072% | 6,267 |
| Tier 1 risk-based capital ratio | 2.8968% | 6,266 |
| Total risk-based capital ratio | 4.1550% | 6,265 |
| Memoranda: | ||
| Average total assets | $67,592,000 | 5,203 |
| Average earning assets | $51,369,250 | 5,477 |
| Average equity | $1,408,000 | 6,242 |
| Average total loans | $42,452,250 | 4,974 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8955% | 735 |
| Cost of funding earning assets | 0.8243% | 440 |
| Net interest margin | 4.0712% | 1,441 |
| Noninterest income to average assets | 0.9010% | 1,441 |
| Noninterest expense to average assets | 4.4843% | 427 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.4813% | 6,187 |
| Return on assets (ROA) | -0.4813% | 6,195 |
| Pretax return on assets | -0.4813% | 6,185 |
| Return on Equity (ROE) | -22.9639% | 6,304 |
| Retained earnings to average equity (ytd only) | -22.9639% | 6,280 |
| Net charge-offs to loans | 1.7219% | 89 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -0.4481% | 3,745 |
| Efficiency ratio | 112.0235% | 154 |
| Assets per employee ($millions) | 2.8898% | 5,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2682% | 664 |
| Loan loss allowance to noncurrent loans | 79.4266% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 15.6082% | 22 |
| Noncurrent loans to loans | 2.8558% | 715 |
| Net loans and leases to total assets | 61.0667% | 3,682 |
| Net loans and leases to deposits | 62.8297% | 4,637 |
| Net loans and leases to core deposits | 64.8226% | 4,751 |
| Total domestic deposits to total assets | 97.1940% | 2 |
| Equity capital to assets | 2.1169% | 6,340 |
| Core capital (leverage) ratio | 2.1245% | 6,342 |
| Tier 1 risk-based capital ratio | 2.9508% | 6,344 |
| Total risk-based capital ratio | 4.2088% | 6,343 |
| Memoranda: | ||
| Average total assets | $68,148,330 | 5,250 |
| Average earning assets | $51,925,670 | 5,519 |
| Average equity | $1,428,330 | 6,314 |
| Average total loans | $42,511,670 | 5,011 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6660% | 1,097 |
| Cost of funding earning assets | 0.8167% | 456 |
| Net interest margin | 3.8492% | 2,069 |
| Noninterest income to average assets | -0.1276% | 6,368 |
| Noninterest expense to average assets | 3.6295% | 1,102 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.8059% | 6,300 |
| Return on assets (ROA) | -0.8059% | 6,304 |
| Pretax return on assets | -0.8059% | 6,293 |
| Return on Equity (ROE) | -38.6379% | 6,394 |
| Retained earnings to average equity (ytd only) | -38.6379% | 6,372 |
| Net charge-offs to loans | 1.2650% | 164 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -1.0221% | 3,175 |
| Efficiency ratio | 128.5421% | 88 |
| Assets per employee ($millions) | 3.2056% | 5,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7406% | 389 |
| Loan loss allowance to noncurrent loans | 40.8220% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 17.3356% | 16 |
| Noncurrent loans to loans | 6.7136% | 140 |
| Net loans and leases to total assets | 61.7844% | 3,410 |
| Net loans and leases to deposits | 63.5439% | 4,422 |
| Net loans and leases to core deposits | 65.5322% | 4,565 |
| Total domestic deposits to total assets | 97.2311% | 3 |
| Equity capital to assets | 2.1272% | 6,414 |
| Core capital (leverage) ratio | 2.0648% | 6,414 |
| Tier 1 risk-based capital ratio | 2.9167% | 6,416 |
| Total risk-based capital ratio | 4.1801% | 6,415 |
| Memoranda: | ||
| Average total assets | $68,990,000 | 5,283 |
| Average earning assets | $52,893,500 | 5,538 |
| Average equity | $1,439,000 | 6,382 |
| Average total loans | $43,002,500 | 5,024 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5808% | 1,613 |
| Cost of funding earning assets | 0.8133% | 609 |
| Net interest margin | 3.7675% | 2,745 |
| Noninterest income to average assets | 0.0565% | 6,274 |
| Noninterest expense to average assets | 3.9470% | 808 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -1.0260% | 6,385 |
| Return on assets (ROA) | -1.0260% | 6,384 |
| Pretax return on assets | -1.0260% | 6,378 |
| Return on Equity (ROE) | -48.1577% | 6,486 |
| Retained earnings to average equity (ytd only) | -48.1577% | 6,484 |
| Net charge-offs to loans | -0.0587% | 5,975 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.1249% | 80 |
| Assets per employee ($millions) | 3.2119% | 5,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0249% | 291 |
| Loan loss allowance to noncurrent loans | 37.3608% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 17.2582% | 22 |
| Noncurrent loans to loans | 8.0965% | 109 |
| Net loans and leases to total assets | 59.3431% | 3,869 |
| Net loans and leases to deposits | 61.0245% | 4,803 |
| Net loans and leases to core deposits | 63.4147% | 4,879 |
| Total domestic deposits to total assets | 97.2446% | 6 |
| Equity capital to assets | 2.0464% | 6,501 |
| Core capital (leverage) ratio | 2.0307% | 6,505 |
| Tier 1 risk-based capital ratio | 2.7923% | 6,505 |
| Total risk-based capital ratio | 4.0584% | 6,505 |
| Memoranda: | ||
| Average total assets | $72,612,000 | 5,215 |
| Average earning assets | $55,208,600 | 5,543 |
| Average equity | $1,547,000 | 6,453 |
| Average total loans | $44,328,400 | 5,023 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6177% | 1,520 |
| Cost of funding earning assets | 0.8142% | 637 |
| Net interest margin | 3.8035% | 2,609 |
| Noninterest income to average assets | -0.1404% | 6,538 |
| Noninterest expense to average assets | 4.0036% | 750 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -1.2640% | 6,488 |
| Return on assets (ROA) | -1.2640% | 6,485 |
| Pretax return on assets | -1.2640% | 6,476 |
| Return on Equity (ROE) | -58.7680% | 6,569 |
| Retained earnings to average equity (ytd only) | -58.7680% | 6,567 |
| Net charge-offs to loans | -0.0777% | 6,063 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.1385% | 63 |
| Assets per employee ($millions) | 2.9707% | 5,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0115% | 361 |
| Loan loss allowance to noncurrent loans | 36.3132% | 5,552 |
| Noncurrent assets plus other real estate owned to assets | 18.5452% | 15 |
| Noncurrent loans to loans | 8.2932% | 114 |
| Net loans and leases to total assets | 59.0847% | 3,915 |
| Net loans and leases to deposits | 60.7891% | 4,867 |
| Net loans and leases to core deposits | 63.2517% | 4,946 |
| Total domestic deposits to total assets | 97.1962% | 9 |
| Equity capital to assets | 2.0127% | 6,575 |
| Core capital (leverage) ratio | 2.0148% | 6,581 |
| Tier 1 risk-based capital ratio | 2.7496% | 6,582 |
| Total risk-based capital ratio | 4.0150% | 6,581 |
| Memoranda: | ||
| Average total assets | $73,099,500 | 5,263 |
| Average earning assets | $55,350,500 | 5,602 |
| Average equity | $1,572,250 | 6,529 |
| Average total loans | $44,600,250 | 5,067 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6888% | 1,304 |
| Cost of funding earning assets | 0.8006% | 700 |
| Net interest margin | 3.8882% | 2,219 |
| Noninterest income to average assets | 0.2279% | 5,574 |
| Noninterest expense to average assets | 3.9158% | 839 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.7490% | 6,495 |
| Return on assets (ROA) | -0.7490% | 6,495 |
| Pretax return on assets | -0.7490% | 6,481 |
| Return on Equity (ROE) | -34.1162% | 6,618 |
| Retained earnings to average equity (ytd only) | -34.1162% | 6,600 |
| Net charge-offs to loans | -0.0756% | 6,055 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.6504% | 125 |
| Assets per employee ($millions) | 2.6634% | 6,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9248% | 416 |
| Loan loss allowance to noncurrent loans | 42.1070% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 18.4684% | 16 |
| Noncurrent loans to loans | 6.9462% | 177 |
| Net loans and leases to total assets | 59.9538% | 3,721 |
| Net loans and leases to deposits | 61.8317% | 4,711 |
| Net loans and leases to core deposits | 64.3205% | 4,788 |
| Total domestic deposits to total assets | 96.9630% | 9 |
| Equity capital to assets | 2.3042% | 6,642 |
| Core capital (leverage) ratio | 2.2848% | 6,645 |
| Tier 1 risk-based capital ratio | 3.0619% | 6,650 |
| Total risk-based capital ratio | 4.3257% | 6,650 |
| Memoranda: | ||
| Average total assets | $73,700,670 | 5,293 |
| Average earning assets | $55,706,670 | 5,634 |
| Average equity | $1,618,000 | 6,589 |
| Average total loans | $44,989,330 | 5,077 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6533% | 1,368 |
| Cost of funding earning assets | 0.7815% | 829 |
| Net interest margin | 3.8718% | 2,188 |
| Noninterest income to average assets | 0.2145% | 5,642 |
| Noninterest expense to average assets | 3.8180% | 951 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.6810% | 6,516 |
| Return on assets (ROA) | -0.6810% | 6,515 |
| Pretax return on assets | -0.6810% | 6,501 |
| Return on Equity (ROE) | -31.7798% | 6,667 |
| Retained earnings to average equity (ytd only) | -31.7798% | 6,625 |
| Net charge-offs to loans | -0.0795% | 6,026 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.7094% | 166 |
| Assets per employee ($millions) | 2.8572% | 6,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8489% | 511 |
| Loan loss allowance to noncurrent loans | 47.2548% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 18.2592% | 22 |
| Noncurrent loans to loans | 6.0289% | 301 |
| Net loans and leases to total assets | 59.2628% | 3,672 |
| Net loans and leases to deposits | 60.9717% | 4,663 |
| Net loans and leases to core deposits | 63.0608% | 4,782 |
| Total domestic deposits to total assets | 97.1973% | 10 |
| Equity capital to assets | 2.0771% | 6,712 |
| Core capital (leverage) ratio | 2.0907% | 6,718 |
| Tier 1 risk-based capital ratio | 2.7958% | 6,720 |
| Total risk-based capital ratio | 4.0589% | 6,720 |
| Memoranda: | ||
| Average total assets | $74,595,000 | 5,323 |
| Average earning assets | $56,304,500 | 5,653 |
| Average equity | $1,598,500 | 6,655 |
| Average total loans | $45,277,500 | 5,109 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0022% | 918 |
| Cost of funding earning assets | 0.7899% | 1,270 |
| Net interest margin | 4.2123% | 1,316 |
| Noninterest income to average assets | 0.4988% | 3,771 |
| Noninterest expense to average assets | 4.0034% | 874 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.3304% | 6,429 |
| Return on assets (ROA) | -0.3304% | 6,444 |
| Pretax return on assets | -0.3304% | 6,423 |
| Return on Equity (ROE) | -12.8642% | 6,617 |
| Retained earnings to average equity (ytd only) | -12.8642% | 6,584 |
| Net charge-offs to loans | 0.1739% | 3,090 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -3.0595% | 5,355 |
| Efficiency ratio | 108.9954% | 285 |
| Assets per employee ($millions) | 2.8809% | 6,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8338% | 569 |
| Loan loss allowance to noncurrent loans | 41.6640% | 5,585 |
| Noncurrent assets plus other real estate owned to assets | 19.4930% | 20 |
| Noncurrent loans to loans | 6.8015% | 256 |
| Net loans and leases to total assets | 58.6858% | 3,920 |
| Net loans and leases to deposits | 60.4916% | 4,898 |
| Net loans and leases to core deposits | 62.5514% | 5,013 |
| Total domestic deposits to total assets | 97.0148% | 17 |
| Equity capital to assets | 2.2082% | 6,785 |
| Core capital (leverage) ratio | 2.2469% | 6,789 |
| Tier 1 risk-based capital ratio | 3.0075% | 6,795 |
| Total risk-based capital ratio | 4.2716% | 6,795 |
| Memoranda: | ||
| Average total assets | $77,783,200 | 5,287 |
| Average earning assets | $58,614,000 | 5,638 |
| Average equity | $1,997,800 | 6,687 |
| Average total loans | $48,313,000 | 5,018 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0987% | 774 |
| Cost of funding earning assets | 0.7931% | 1,365 |
| Net interest margin | 4.3057% | 1,082 |
| Noninterest income to average assets | 0.7184% | 2,517 |
| Noninterest expense to average assets | 4.0473% | 807 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.0832% | 6,366 |
| Return on assets (ROA) | -0.0832% | 6,406 |
| Pretax return on assets | -0.0832% | 6,384 |
| Return on Equity (ROE) | -3.1352% | 6,529 |
| Retained earnings to average equity (ytd only) | -3.1352% | 6,366 |
| Net charge-offs to loans | 0.3396% | 1,851 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -0.3920% | 4,941 |
| Efficiency ratio | 102.0994% | 401 |
| Assets per employee ($millions) | 2.5094% | 6,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6440% | 792 |
| Loan loss allowance to noncurrent loans | 42.7194% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 19.8005% | 19 |
| Noncurrent loans to loans | 6.1893% | 389 |
| Net loans and leases to total assets | 60.6992% | 3,579 |
| Net loans and leases to deposits | 62.7205% | 4,664 |
| Net loans and leases to core deposits | 64.8542% | 4,812 |
| Total domestic deposits to total assets | 96.7774% | 12 |
| Equity capital to assets | 2.4907% | 6,860 |
| Core capital (leverage) ratio | 2.5014% | 6,868 |
| Tier 1 risk-based capital ratio | 3.2657% | 6,876 |
| Total risk-based capital ratio | 4.5260% | 6,877 |
| Memoranda: | ||
| Average total assets | $78,503,000 | 5,326 |
| Average earning assets | $59,176,500 | 5,679 |
| Average equity | $2,083,750 | 6,755 |
| Average total loans | $49,081,250 | 5,044 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2032% | 638 |
| Cost of funding earning assets | 0.7984% | 1,421 |
| Net interest margin | 4.4047% | 837 |
| Noninterest income to average assets | 1.3672% | 839 |
| Noninterest expense to average assets | 4.0590% | 812 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6359% | 4,126 |
| Return on assets (ROA) | 0.6359% | 4,274 |
| Pretax return on assets | 0.6359% | 4,891 |
| Return on Equity (ROE) | 23.4985% | 155 |
| Retained earnings to average equity (ytd only) | 23.4985% | 58 |
| Net charge-offs to loans | 0.2169% | 2,456 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.6852% | 3,067 |
| Efficiency ratio | 86.4561% | 1,369 |
| Assets per employee ($millions) | 2.8427% | 6,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7171% | 776 |
| Loan loss allowance to noncurrent loans | 56.2313% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 19.3306% | 25 |
| Noncurrent loans to loans | 4.8320% | 691 |
| Net loans and leases to total assets | 61.2489% | 3,437 |
| Net loans and leases to deposits | 63.4606% | 4,566 |
| Net loans and leases to core deposits | 65.8067% | 4,708 |
| Total domestic deposits to total assets | 96.5148% | 16 |
| Equity capital to assets | 2.8311% | 6,904 |
| Core capital (leverage) ratio | 2.8281% | 6,908 |
| Tier 1 risk-based capital ratio | 3.6375% | 6,919 |
| Total risk-based capital ratio | 4.8984% | 6,919 |
| Memoranda: | ||
| Average total assets | $79,577,000 | 5,333 |
| Average earning assets | $60,117,000 | 5,691 |
| Average equity | $2,153,330 | 6,798 |
| Average total loans | $49,796,330 | 5,031 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0647% | 798 |
| Cost of funding earning assets | 0.8072% | 1,488 |
| Net interest margin | 4.2575% | 1,054 |
| Noninterest income to average assets | 2.5584% | 308 |
| Noninterest expense to average assets | 4.1092% | 787 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6793% | 612 |
| Return on assets (ROA) | 1.6793% | 675 |
| Pretax return on assets | 1.6793% | 1,127 |
| Return on Equity (ROE) | 63.4476% | 16 |
| Retained earnings to average equity (ytd only) | 63.4476% | 10 |
| Net charge-offs to loans | 0.4195% | 1,404 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.4151% | 2,221 |
| Efficiency ratio | 70.9898% | 3,789 |
| Assets per employee ($millions) | 2.7143% | 6,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6753% | 939 |
| Loan loss allowance to noncurrent loans | 57.7651% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 18.7497% | 32 |
| Noncurrent loans to loans | 4.6314% | 877 |
| Net loans and leases to total assets | 60.6802% | 3,314 |
| Net loans and leases to deposits | 62.9539% | 4,429 |
| Net loans and leases to core deposits | 65.0032% | 4,651 |
| Total domestic deposits to total assets | 96.3883% | 17 |
| Equity capital to assets | 2.9371% | 6,982 |
| Core capital (leverage) ratio | 2.8441% | 6,974 |
| Tier 1 risk-based capital ratio | 3.7239% | 6,983 |
| Total risk-based capital ratio | 4.9852% | 6,984 |
| Memoranda: | ||
| Average total assets | $80,988,500 | 5,339 |
| Average earning assets | $61,444,500 | 5,696 |
| Average equity | $2,143,500 | 6,862 |
| Average total loans | $50,532,500 | 5,035 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2592% | 1,002 |
| Cost of funding earning assets | 1.0010% | 1,350 |
| Net interest margin | 4.2582% | 1,502 |
| Noninterest income to average assets | 0.2797% | 5,466 |
| Noninterest expense to average assets | 3.6860% | 1,439 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.1004% | 6,286 |
| Return on assets (ROA) | -0.1004% | 6,385 |
| Pretax return on assets | -0.1004% | 6,364 |
| Return on Equity (ROE) | -4.4823% | 6,575 |
| Retained earnings to average equity (ytd only) | -4.4823% | 6,395 |
| Net charge-offs to loans | 0.4787% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.3296% | 5,625 |
| Efficiency ratio | 102.7996% | 471 |
| Assets per employee ($millions) | 2.8711% | 6,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6276% | 994 |
| Loan loss allowance to noncurrent loans | 48.1495% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 18.1021% | 44 |
| Noncurrent loans to loans | 5.4571% | 684 |
| Net loans and leases to total assets | 60.7980% | 3,456 |
| Net loans and leases to deposits | 62.7041% | 4,696 |
| Net loans and leases to core deposits | 64.8347% | 4,859 |
| Total domestic deposits to total assets | 96.9602% | 16 |
| Equity capital to assets | 2.3721% | 7,056 |
| Core capital (leverage) ratio | 2.3033% | 7,054 |
| Tier 1 risk-based capital ratio | 2.9919% | 7,058 |
| Total risk-based capital ratio | 4.2147% | 7,058 |
| Memoranda: | ||
| Average total assets | $88,660,600 | 5,119 |
| Average earning assets | $68,832,000 | 5,470 |
| Average equity | $1,985,600 | 6,952 |
| Average total loans | $56,407,800 | 4,853 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2658% | 1,069 |
| Cost of funding earning assets | 1.0296% | 1,395 |
| Net interest margin | 4.2362% | 1,626 |
| Noninterest income to average assets | 0.2370% | 5,860 |
| Noninterest expense to average assets | 3.8069% | 1,200 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.2666% | 6,545 |
| Return on assets (ROA) | -0.2666% | 6,613 |
| Pretax return on assets | -0.2666% | 6,581 |
| Return on Equity (ROE) | -12.0704% | 6,894 |
| Retained earnings to average equity (ytd only) | -12.0704% | 6,859 |
| Net charge-offs to loans | 0.8717% | 1,261 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.4787% | 5,491 |
| Efficiency ratio | 107.5314% | 349 |
| Assets per employee ($millions) | 2.8763% | 6,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3337% | 1,457 |
| Loan loss allowance to noncurrent loans | 129.3634% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 15.3994% | 83 |
| Noncurrent loans to loans | 1.8040% | 3,072 |
| Net loans and leases to total assets | 61.1098% | 3,551 |
| Net loans and leases to deposits | 62.9061% | 4,858 |
| Net loans and leases to core deposits | 64.9573% | 5,057 |
| Total domestic deposits to total assets | 97.1445% | 15 |
| Equity capital to assets | 2.1892% | 7,160 |
| Core capital (leverage) ratio | 2.1593% | 7,156 |
| Tier 1 risk-based capital ratio | 2.7957% | 7,165 |
| Total risk-based capital ratio | 4.0538% | 7,165 |
| Memoranda: | ||
| Average total assets | $90,010,500 | 5,141 |
| Average earning assets | $70,187,500 | 5,480 |
| Average equity | $1,988,250 | 7,041 |
| Average total loans | $57,513,000 | 4,864 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2687% | 1,107 |
| Cost of funding earning assets | 1.0543% | 1,442 |
| Net interest margin | 4.2144% | 1,708 |
| Noninterest income to average assets | 0.3200% | 5,262 |
| Noninterest expense to average assets | 3.9561% | 1,004 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.3331% | 6,641 |
| Return on assets (ROA) | -0.3331% | 6,693 |
| Pretax return on assets | -0.3331% | 6,659 |
| Return on Equity (ROE) | -15.0396% | 6,974 |
| Retained earnings to average equity (ytd only) | -15.0396% | 6,935 |
| Net charge-offs to loans | 0.9440% | 1,169 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.5487% | 5,247 |
| Efficiency ratio | 109.1954% | 340 |
| Assets per employee ($millions) | 2.9919% | 6,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4169% | 1,390 |
| Loan loss allowance to noncurrent loans | 109.4203% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 15.5122% | 91 |
| Noncurrent loans to loans | 2.2088% | 2,708 |
| Net loans and leases to total assets | 63.2417% | 3,192 |
| Net loans and leases to deposits | 65.1644% | 4,623 |
| Net loans and leases to core deposits | 67.4945% | 4,848 |
| Total domestic deposits to total assets | 97.0495% | 21 |
| Equity capital to assets | 2.2048% | 7,214 |
| Core capital (leverage) ratio | 2.1274% | 7,213 |
| Tier 1 risk-based capital ratio | 2.7811% | 7,222 |
| Total risk-based capital ratio | 4.0405% | 7,222 |
| Memoranda: | ||
| Average total assets | $91,251,000 | 5,127 |
| Average earning assets | $71,516,330 | 5,478 |
| Average equity | $2,021,330 | 7,087 |
| Average total loans | $58,687,000 | 4,841 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2229% | 1,268 |
| Cost of funding earning assets | 1.0987% | 1,413 |
| Net interest margin | 4.1242% | 2,010 |
| Noninterest income to average assets | 0.8129% | 2,102 |
| Noninterest expense to average assets | 3.9617% | 977 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1112% | 6,217 |
| Return on assets (ROA) | 0.1112% | 6,342 |
| Pretax return on assets | 0.1112% | 6,366 |
| Return on Equity (ROE) | 5.0108% | 4,779 |
| Retained earnings to average equity (ytd only) | 5.0108% | 3,552 |
| Net charge-offs to loans | -0.0267% | 6,295 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2689% | 670 |
| Assets per employee ($millions) | 2.8120% | 6,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7942% | 1,014 |
| Loan loss allowance to noncurrent loans | 61.0346% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 15.2735% | 99 |
| Noncurrent loans to loans | 4.5781% | 1,258 |
| Net loans and leases to total assets | 61.4828% | 3,360 |
| Net loans and leases to deposits | 63.3556% | 4,720 |
| Net loans and leases to core deposits | 65.6536% | 4,957 |
| Total domestic deposits to total assets | 97.0440% | 21 |
| Equity capital to assets | 2.2480% | 7,269 |
| Core capital (leverage) ratio | 2.2141% | 7,269 |
| Tier 1 risk-based capital ratio | 2.9585% | 7,275 |
| Total risk-based capital ratio | 4.2229% | 7,277 |
| Memoranda: | ||
| Average total assets | $93,494,500 | 5,109 |
| Average earning assets | $73,905,500 | 5,437 |
| Average equity | $2,075,500 | 7,134 |
| Average total loans | $59,915,500 | 4,822 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0505% | 2,648 |
| Cost of funding earning assets | 1.3988% | 1,046 |
| Net interest margin | 3.6517% | 4,511 |
| Noninterest income to average assets | 0.0580% | 6,808 |
| Noninterest expense to average assets | 4.2052% | 802 |
| Loan and lease loss provision to assets | 0.0124% | 6,381 |
| Net operating income to assets | -1.1520% | 6,802 |
| Return on assets (ROA) | -1.1520% | 6,827 |
| Pretax return on assets | -1.1520% | 6,794 |
| Return on Equity (ROE) | -44.4836% | 7,178 |
| Retained earnings to average equity (ytd only) | -44.4836% | 7,175 |
| Net charge-offs to loans | 1.9585% | 714 |
| Credit loss provision to net charge-offs | 0.9009% | 6,063 |
| Earnings coverage of net charge-offs (x) | -0.8258% | 6,160 |
| Efficiency ratio | 137.1747% | 193 |
| Assets per employee ($millions) | 2.8544% | 6,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6759% | 1,102 |
| Loan loss allowance to noncurrent loans | 26.9922% | 6,349 |
| Noncurrent assets plus other real estate owned to assets | 17.2208% | 85 |
| Noncurrent loans to loans | 9.9136% | 325 |
| Net loans and leases to total assets | 63.1696% | 3,359 |
| Net loans and leases to deposits | 65.1463% | 4,859 |
| Net loans and leases to core deposits | 67.2848% | 5,122 |
| Total domestic deposits to total assets | 96.9658% | 22 |
| Equity capital to assets | 2.1923% | 7,315 |
| Core capital (leverage) ratio | 2.1613% | 7,310 |
| Tier 1 risk-based capital ratio | 2.8288% | 7,321 |
| Total risk-based capital ratio | 4.0920% | 7,321 |
| Memoranda: | ||
| Average total assets | $96,524,000 | 4,992 |
| Average earning assets | $79,497,400 | 5,245 |
| Average equity | $2,499,800 | 7,117 |
| Average total loans | $68,010,000 | 4,558 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9804% | 3,186 |
| Cost of funding earning assets | 1.4571% | 1,001 |
| Net interest margin | 3.5232% | 5,092 |
| Noninterest income to average assets | 0.3309% | 5,219 |
| Noninterest expense to average assets | 4.5420% | 562 |
| Loan and lease loss provision to assets | 0.0165% | 6,228 |
| Net operating income to assets | -1.2961% | 6,987 |
| Return on assets (ROA) | -1.2961% | 7,005 |
| Pretax return on assets | -1.2961% | 6,961 |
| Return on Equity (ROE) | -48.2515% | 7,284 |
| Retained earnings to average equity (ytd only) | -48.2515% | 7,278 |
| Net charge-offs to loans | 1.6578% | 841 |
| Credit loss provision to net charge-offs | 1.3841% | 5,730 |
| Earnings coverage of net charge-offs (x) | -1.0750% | 5,941 |
| Efficiency ratio | 139.2256% | 185 |
| Assets per employee ($millions) | 2.7769% | 6,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3379% | 640 |
| Loan loss allowance to noncurrent loans | 24.8963% | 6,491 |
| Noncurrent assets plus other real estate owned to assets | 19.3105% | 63 |
| Noncurrent loans to loans | 13.4072% | 186 |
| Net loans and leases to total assets | 64.4421% | 3,220 |
| Net loans and leases to deposits | 66.6006% | 4,813 |
| Net loans and leases to core deposits | 68.5478% | 5,116 |
| Total domestic deposits to total assets | 96.7590% | 23 |
| Equity capital to assets | 2.3577% | 7,386 |
| Core capital (leverage) ratio | 2.2835% | 7,383 |
| Tier 1 risk-based capital ratio | 3.0353% | 7,392 |
| Total risk-based capital ratio | 4.3049% | 7,393 |
| Memoranda: | ||
| Average total assets | $97,106,500 | 5,007 |
| Average earning assets | $80,795,000 | 5,251 |
| Average equity | $2,608,500 | 7,161 |
| Average total loans | $69,728,000 | 4,536 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6683% | 4,671 |
| Cost of funding earning assets | 1.5077% | 981 |
| Net interest margin | 3.1606% | 6,263 |
| Noninterest income to average assets | 0.2796% | 5,648 |
| Noninterest expense to average assets | 4.7427% | 463 |
| Loan and lease loss provision to assets | 0.0041% | 6,193 |
| Net operating income to assets | -1.8020% | 7,163 |
| Return on assets (ROA) | -1.8020% | 7,168 |
| Pretax return on assets | -1.8020% | 7,132 |
| Return on Equity (ROE) | -64.5468% | 7,382 |
| Retained earnings to average equity (ytd only) | -64.5468% | 7,379 |
| Net charge-offs to loans | 1.1529% | 1,355 |
| Credit loss provision to net charge-offs | 0.4819% | 5,332 |
| Earnings coverage of net charge-offs (x) | -2.1229% | 5,719 |
| Efficiency ratio | 161.0534% | 118 |
| Assets per employee ($millions) | 2.8179% | 6,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7285% | 504 |
| Loan loss allowance to noncurrent loans | 29.2501% | 6,301 |
| Noncurrent assets plus other real estate owned to assets | 16.5520% | 114 |
| Noncurrent loans to loans | 12.7471% | 215 |
| Net loans and leases to total assets | 68.5347% | 2,510 |
| Net loans and leases to deposits | 70.8753% | 4,311 |
| Net loans and leases to core deposits | 72.2327% | 4,785 |
| Total domestic deposits to total assets | 96.6975% | 22 |
| Equity capital to assets | 2.3568% | 7,459 |
| Core capital (leverage) ratio | 2.3167% | 7,461 |
| Tier 1 risk-based capital ratio | 3.0875% | 7,461 |
| Total risk-based capital ratio | 4.3647% | 7,464 |
| Memoranda: | ||
| Average total assets | $98,003,670 | 5,024 |
| Average earning assets | $82,642,330 | 5,242 |
| Average equity | $2,736,000 | 7,194 |
| Average total loans | $71,989,330 | 4,500 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6967% | 4,540 |
| Cost of funding earning assets | 1.5608% | 947 |
| Net interest margin | 3.1359% | 6,251 |
| Noninterest income to average assets | 0.3794% | 4,879 |
| Noninterest expense to average assets | 4.0887% | 933 |
| Loan and lease loss provision to assets | 0.0161% | 5,727 |
| Net operating income to assets | -1.0575% | 7,058 |
| Return on assets (ROA) | -1.0575% | 7,065 |
| Pretax return on assets | -1.0575% | 7,016 |
| Return on Equity (ROE) | -35.2269% | 7,360 |
| Retained earnings to average equity (ytd only) | -35.2269% | 7,336 |
| Net charge-offs to loans | 1.6242% | 826 |
| Credit loss provision to net charge-offs | 1.3333% | 4,465 |
| Earnings coverage of net charge-offs (x) | -0.8600% | 4,878 |
| Efficiency ratio | 134.1722% | 234 |
| Assets per employee ($millions) | 3.0655% | 6,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7439% | 509 |
| Loan loss allowance to noncurrent loans | 26.5761% | 6,485 |
| Noncurrent assets plus other real estate owned to assets | 16.5571% | 114 |
| Noncurrent loans to loans | 14.0877% | 181 |
| Net loans and leases to total assets | 69.7147% | 2,180 |
| Net loans and leases to deposits | 74.4246% | 3,694 |
| Net loans and leases to core deposits | 75.8619% | 4,318 |
| Total domestic deposits to total assets | 93.6716% | 92 |
| Equity capital to assets | 2.9002% | 7,488 |
| Core capital (leverage) ratio | 2.9181% | 7,484 |
| Tier 1 risk-based capital ratio | 3.8125% | 7,494 |
| Total risk-based capital ratio | 5.0903% | 7,495 |
| Memoranda: | ||
| Average total assets | $99,102,000 | 5,024 |
| Average earning assets | $84,315,000 | 5,218 |
| Average equity | $2,975,000 | 7,174 |
| Average total loans | $73,882,000 | 4,472 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4176% | 2,593 |
| Cost of funding earning assets | 1.9765% | 659 |
| Net interest margin | 3.4411% | 5,471 |
| Noninterest income to average assets | 0.7697% | 2,425 |
| Noninterest expense to average assets | 4.2691% | 840 |
| Loan and lease loss provision to assets | 0.2854% | 4,516 |
| Net operating income to assets | -1.0762% | 6,729 |
| Return on assets (ROA) | -1.0762% | 6,756 |
| Pretax return on assets | -0.8323% | 6,532 |
| Return on Equity (ROE) | -30.0205% | 7,230 |
| Retained earnings to average equity (ytd only) | -30.0205% | 7,217 |
| Net charge-offs to loans | 0.3141% | 4,450 |
| Credit loss provision to net charge-offs | 115.2416% | 3,753 |
| Earnings coverage of net charge-offs (x) | -2.2082% | 6,711 |
| Efficiency ratio | 114.6921% | 470 |
| Assets per employee ($millions) | 3.4520% | 5,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8532% | 449 |
| Loan loss allowance to noncurrent loans | 24.3012% | 6,639 |
| Noncurrent assets plus other real estate owned to assets | 15.8930% | 137 |
| Noncurrent loans to loans | 15.8559% | 132 |
| Net loans and leases to total assets | 73.6812% | 1,729 |
| Net loans and leases to deposits | 78.7529% | 3,375 |
| Net loans and leases to core deposits | 82.8894% | 3,765 |
| Total domestic deposits to total assets | 93.5599% | 108 |
| Equity capital to assets | 3.1017% | 7,557 |
| Core capital (leverage) ratio | 3.0744% | 7,549 |
| Tier 1 risk-based capital ratio | 4.0111% | 7,564 |
| Total risk-based capital ratio | 5.2934% | 7,567 |
| Memoranda: | ||
| Average total assets | $108,618,000 | 4,753 |
| Average earning assets | $93,196,600 | 4,911 |
| Average equity | $3,894,000 | 7,032 |
| Average total loans | $85,634,800 | 4,160 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6759% | 1,790 |
| Cost of funding earning assets | 2.0517% | 633 |
| Net interest margin | 3.6242% | 4,755 |
| Noninterest income to average assets | 0.8945% | 1,818 |
| Noninterest expense to average assets | 4.1981% | 832 |
| Loan and lease loss provision to assets | 0.0819% | 6,224 |
| Net operating income to assets | -0.2805% | 6,416 |
| Return on assets (ROA) | -0.2805% | 6,462 |
| Pretax return on assets | -0.2805% | 6,395 |
| Return on Equity (ROE) | -7.5933% | 6,815 |
| Retained earnings to average equity (ytd only) | -7.5933% | 6,744 |
| Net charge-offs to loans | 0.3505% | 3,901 |
| Credit loss provision to net charge-offs | 29.4372% | 6,161 |
| Earnings coverage of net charge-offs (x) | -0.7143% | 6,393 |
| Efficiency ratio | 104.9669% | 614 |
| Assets per employee ($millions) | 3.5752% | 4,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3980% | 578 |
| Loan loss allowance to noncurrent loans | 15.8937% | 7,053 |
| Noncurrent assets plus other real estate owned to assets | 20.6780% | 52 |
| Noncurrent loans to loans | 21.3794% | 59 |
| Net loans and leases to total assets | 75.4601% | 1,501 |
| Net loans and leases to deposits | 82.0335% | 3,099 |
| Net loans and leases to core deposits | 83.2034% | 4,068 |
| Total domestic deposits to total assets | 91.9869% | 196 |
| Equity capital to assets | 3.9458% | 7,642 |
| Core capital (leverage) ratio | 3.6290% | 7,642 |
| Tier 1 risk-based capital ratio | 4.6910% | 7,653 |
| Total risk-based capital ratio | 5.9670% | 7,655 |
| Memoranda: | ||
| Average total assets | $110,745,750 | 4,747 |
| Average earning assets | $94,878,750 | 4,932 |
| Average equity | $4,091,250 | 7,057 |
| Average total loans | $87,864,500 | 4,175 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7323% | 1,639 |
| Cost of funding earning assets | 2.1287% | 601 |
| Net interest margin | 3.6036% | 4,795 |
| Noninterest income to average assets | 0.1945% | 6,509 |
| Noninterest expense to average assets | 4.0530% | 979 |
| Loan and lease loss provision to assets | 0.0265% | 6,680 |
| Net operating income to assets | -0.7957% | 6,863 |
| Return on assets (ROA) | -0.7957% | 6,874 |
| Pretax return on assets | -0.7957% | 6,782 |
| Return on Equity (ROE) | -21.9977% | 7,320 |
| Retained earnings to average equity (ytd only) | -21.9977% | 7,305 |
| Net charge-offs to loans | 0.2462% | 4,116 |
| Credit loss provision to net charge-offs | 13.5135% | 5,908 |
| Earnings coverage of net charge-offs (x) | -3.9189% | 6,278 |
| Efficiency ratio | 123.4249% | 372 |
| Assets per employee ($millions) | 3.5990% | 4,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2755% | 657 |
| Loan loss allowance to noncurrent loans | 14.8634% | 7,150 |
| Noncurrent assets plus other real estate owned to assets | 21.6419% | 41 |
| Noncurrent loans to loans | 22.0373% | 54 |
| Net loans and leases to total assets | 77.0985% | 1,275 |
| Net loans and leases to deposits | 83.3390% | 3,004 |
| Net loans and leases to core deposits | 84.4731% | 4,072 |
| Total domestic deposits to total assets | 92.5119% | 149 |
| Equity capital to assets | 3.5926% | 7,720 |
| Core capital (leverage) ratio | 3.3041% | 7,722 |
| Tier 1 risk-based capital ratio | 4.1155% | 7,741 |
| Total risk-based capital ratio | 5.3895% | 7,741 |
| Memoranda: | ||
| Average total assets | $113,101,000 | 4,730 |
| Average earning assets | $96,958,670 | 4,905 |
| Average equity | $4,091,330 | 7,088 |
| Average total loans | $90,156,330 | 4,137 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5344% | 2,435 |
| Cost of funding earning assets | 2.1719% | 646 |
| Net interest margin | 3.3624% | 5,746 |
| Noninterest income to average assets | 0.0104% | 7,623 |
| Noninterest expense to average assets | 3.7038% | 1,509 |
| Loan and lease loss provision to assets | 0.0173% | 6,462 |
| Net operating income to assets | -0.8196% | 7,013 |
| Return on assets (ROA) | -0.8196% | 7,041 |
| Pretax return on assets | -0.8196% | 6,959 |
| Return on Equity (ROE) | -22.5849% | 7,475 |
| Retained earnings to average equity (ytd only) | -22.5849% | 7,428 |
| Net charge-offs to loans | 0.2820% | 3,285 |
| Credit loss provision to net charge-offs | 7.6923% | 5,072 |
| Earnings coverage of net charge-offs (x) | -3.5692% | 5,514 |
| Efficiency ratio | 127.6520% | 360 |
| Assets per employee ($millions) | 3.8082% | 4,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1722% | 711 |
| Loan loss allowance to noncurrent loans | 15.8295% | 7,185 |
| Noncurrent assets plus other real estate owned to assets | 19.3171% | 63 |
| Noncurrent loans to loans | 20.0396% | 76 |
| Net loans and leases to total assets | 76.2801% | 1,484 |
| Net loans and leases to deposits | 83.7091% | 2,986 |
| Net loans and leases to core deposits | 85.1269% | 4,028 |
| Total domestic deposits to total assets | 91.1253% | 493 |
| Equity capital to assets | 3.5730% | 7,820 |
| Core capital (leverage) ratio | 3.3275% | 7,826 |
| Tier 1 risk-based capital ratio | 4.1954% | 7,835 |
| Total risk-based capital ratio | 5.4684% | 7,837 |
| Memoranda: | ||
| Average total assets | $115,666,000 | 4,729 |
| Average earning assets | $99,451,500 | 4,894 |
| Average equity | $4,197,500 | 7,116 |
| Average total loans | $92,203,000 | 4,162 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7539% | 2,847 |
| Cost of funding earning assets | 2.6903% | 608 |
| Net interest margin | 3.0636% | 6,482 |
| Noninterest income to average assets | 0.4294% | 4,970 |
| Noninterest expense to average assets | 3.5347% | 2,305 |
| Loan and lease loss provision to assets | 3.4064% | 464 |
| Net operating income to assets | -4.0005% | 7,607 |
| Return on assets (ROA) | -4.0005% | 7,602 |
| Pretax return on assets | -3.8350% | 7,490 |
| Return on Equity (ROE) | -66.7044% | 7,794 |
| Retained earnings to average equity (ytd only) | -67.0678% | 7,793 |
| Net charge-offs to loans | 3.6024% | 525 |
| Credit loss provision to net charge-offs | 114.7051% | 4,770 |
| Earnings coverage of net charge-offs (x) | -0.1443% | 6,384 |
| Efficiency ratio | 113.7994% | 713 |
| Assets per employee ($millions) | 3.5481% | 4,899 |
| Cash dividends to net income (ytd only)* | -0.5448% | 7,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0878% | 724 |
| Loan loss allowance to noncurrent loans | 25.3500% | 6,774 |
| Noncurrent assets plus other real estate owned to assets | 12.7137% | 218 |
| Noncurrent loans to loans | 12.1806% | 271 |
| Net loans and leases to total assets | 78.1383% | 1,349 |
| Net loans and leases to deposits | 85.8761% | 2,940 |
| Net loans and leases to core deposits | 102.5638% | 3,740 |
| Total domestic deposits to total assets | 90.9895% | 537 |
| Equity capital to assets | 3.6836% | 7,881 |
| Core capital (leverage) ratio | 3.3997% | 7,886 |
| Tier 1 risk-based capital ratio | 4.7510% | 7,885 |
| Total risk-based capital ratio | 6.0275% | 7,888 |
| Memoranda: | ||
| Average total assets | $123,885,200 | 4,476 |
| Average earning assets | $108,239,400 | 4,623 |
| Average equity | $7,429,800 | 6,114 |
| Average total loans | $102,125,200 | 3,893 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6909% | 3,388 |
| Cost of funding earning assets | 2.7771% | 637 |
| Net interest margin | 2.9138% | 6,826 |
| Noninterest income to average assets | 0.4257% | 5,085 |
| Noninterest expense to average assets | 3.4175% | 2,522 |
| Loan and lease loss provision to assets | 2.9695% | 503 |
| Net operating income to assets | -2.4514% | 7,458 |
| Return on assets (ROA) | -2.4514% | 7,451 |
| Pretax return on assets | -3.4027% | 7,595 |
| Return on Equity (ROE) | -37.5026% | 7,727 |
| Retained earnings to average equity (ytd only) | -37.9412% | 7,726 |
| Net charge-offs to loans | 1.9874% | 994 |
| Credit loss provision to net charge-offs | 180.3353% | 2,535 |
| Earnings coverage of net charge-offs (x) | -0.2631% | 6,333 |
| Efficiency ratio | 114.5144% | 683 |
| Assets per employee ($millions) | 3.5145% | 4,889 |
| Cash dividends to net income (ytd only)* | -1.1694% | 7,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6094% | 379 |
| Loan loss allowance to noncurrent loans | 56.7152% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 8.0181% | 538 |
| Noncurrent loans to loans | 6.3641% | 914 |
| Net loans and leases to total assets | 78.5690% | 1,469 |
| Net loans and leases to deposits | 88.0450% | 2,948 |
| Net loans and leases to core deposits | 104.4020% | 3,887 |
| Total domestic deposits to total assets | 89.2374% | 1,089 |
| Equity capital to assets | 5.6687% | 7,901 |
| Core capital (leverage) ratio | 4.3221% | 7,959 |
| Tier 1 risk-based capital ratio | 5.4660% | 7,978 |
| Total risk-based capital ratio | 6.7327% | 7,984 |
| Memoranda: | ||
| Average total assets | $125,585,000 | 4,463 |
| Average earning assets | $110,278,750 | 4,583 |
| Average equity | $8,209,000 | 5,909 |
| Average total loans | $104,055,500 | 3,875 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6785% | 3,673 |
| Cost of funding earning assets | 2.8482% | 695 |
| Net interest margin | 2.8303% | 6,955 |
| Noninterest income to average assets | 0.4508% | 4,841 |
| Noninterest expense to average assets | 3.4529% | 2,489 |
| Loan and lease loss provision to assets | 3.2030% | 456 |
| Net operating income to assets | -2.2824% | 7,506 |
| Return on assets (ROA) | -2.2824% | 7,502 |
| Pretax return on assets | -3.6997% | 7,705 |
| Return on Equity (ROE) | -33.4764% | 7,760 |
| Retained earnings to average equity (ytd only) | -34.1028% | 7,749 |
| Net charge-offs to loans | 2.6054% | 650 |
| Credit loss provision to net charge-offs | 147.5948% | 3,128 |
| Earnings coverage of net charge-offs (x) | -0.2289% | 5,906 |
| Efficiency ratio | 116.8004% | 723 |
| Assets per employee ($millions) | 3.8796% | 3,916 |
| Cash dividends to net income (ytd only)* | -1.8711% | 7,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9202% | 604 |
| Loan loss allowance to noncurrent loans | 48.8462% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 6.8449% | 642 |
| Noncurrent loans to loans | 5.9784% | 914 |
| Net loans and leases to total assets | 76.2873% | 2,114 |
| Net loans and leases to deposits | 85.5674% | 3,628 |
| Net loans and leases to core deposits | 100.9369% | 4,409 |
| Total domestic deposits to total assets | 89.1546% | 1,199 |
| Equity capital to assets | 5.9397% | 7,941 |
| Core capital (leverage) ratio | 4.8689% | 8,037 |
| Tier 1 risk-based capital ratio | 6.0491% | 8,055 |
| Total risk-based capital ratio | 7.2997% | 8,063 |
| Memoranda: | ||
| Average total assets | $126,443,670 | 4,460 |
| Average earning assets | $111,930,670 | 4,575 |
| Average equity | $8,621,000 | 5,807 |
| Average total loans | $105,318,670 | 3,885 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0452% | 2,176 |
| Cost of funding earning assets | 2.8763% | 814 |
| Net interest margin | 3.1689% | 5,956 |
| Noninterest income to average assets | 0.4494% | 4,775 |
| Noninterest expense to average assets | 3.4144% | 2,314 |
| Loan and lease loss provision to assets | 2.7710% | 406 |
| Net operating income to assets | -1.7945% | 7,597 |
| Return on assets (ROA) | -1.7945% | 7,601 |
| Pretax return on assets | -2.9003% | 7,734 |
| Return on Equity (ROE) | -24.6284% | 7,836 |
| Retained earnings to average equity (ytd only) | -25.8265% | 7,784 |
| Net charge-offs to loans | 2.6340% | 511 |
| Credit loss provision to net charge-offs | 122.6037% | 3,223 |
| Earnings coverage of net charge-offs (x) | -0.0572% | 5,030 |
| Efficiency ratio | 103.9370% | 989 |
| Assets per employee ($millions) | 3.5526% | 4,693 |
| Cash dividends to net income (ytd only)* | -4.8649% | 8,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3753% | 878 |
| Loan loss allowance to noncurrent loans | 210.8243% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 1.9094% | 3,042 |
| Noncurrent loans to loans | 1.1267% | 4,730 |
| Net loans and leases to total assets | 81.3697% | 1,126 |
| Net loans and leases to deposits | 92.3693% | 2,535 |
| Net loans and leases to core deposits | 109.1558% | 3,547 |
| Total domestic deposits to total assets | 88.0917% | 1,706 |
| Equity capital to assets | 6.8205% | 7,759 |
| Core capital (leverage) ratio | 7.0878% | 7,572 |
| Tier 1 risk-based capital ratio | 8.4197% | 7,954 |
| Total risk-based capital ratio | 9.6842% | 7,989 |
| Memoranda: | ||
| Average total assets | $123,711,500 | 4,552 |
| Average earning assets | $110,699,500 | 4,619 |
| Average equity | $9,014,000 | 5,701 |
| Average total loans | $106,150,000 | 3,878 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0511% | 1,007 |
| Cost of funding earning assets | 3.3075% | 901 |
| Net interest margin | 3.7436% | 4,253 |
| Noninterest income to average assets | 0.6027% | 3,827 |
| Noninterest expense to average assets | 3.5394% | 2,291 |
| Loan and lease loss provision to assets | 1.1175% | 1,298 |
| Net operating income to assets | -0.4374% | 6,865 |
| Return on assets (ROA) | -0.4374% | 6,741 |
| Pretax return on assets | -0.7060% | 6,816 |
| Return on Equity (ROE) | -5.6619% | 6,930 |
| Retained earnings to average equity (ytd only) | -5.9071% | 6,654 |
| Net charge-offs to loans | 0.0180% | 6,619 |
| Credit loss provision to net charge-offs | 7,211.1111% | 75 |
| Earnings coverage of net charge-offs (x) | 26.5556% | 1,280 |
| Efficiency ratio | 89.5838% | 1,548 |
| Assets per employee ($millions) | 3.2305% | 5,395 |
| Cash dividends to net income (ytd only)* | -4.3307% | 7,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2460% | 906 |
| Loan loss allowance to noncurrent loans | 395.6667% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.8241% | 4,789 |
| Noncurrent loans to loans | 0.5676% | 5,666 |
| Net loans and leases to total assets | 86.4451% | 546 |
| Net loans and leases to deposits | 99.5942% | 1,890 |
| Net loans and leases to core deposits | 117.1614% | 2,986 |
| Total domestic deposits to total assets | 86.7973% | 2,035 |
| Equity capital to assets | 7.7847% | 7,116 |
| Core capital (leverage) ratio | 7.8478% | 6,729 |
| Tier 1 risk-based capital ratio | 9.1473% | 7,669 |
| Total risk-based capital ratio | 10.2198% | 7,806 |
| Memoranda: | ||
| Average total assets | $116,151,200 | 4,608 |
| Average earning assets | $103,885,200 | 4,686 |
| Average equity | $8,972,200 | 5,747 |
| Average total loans | $100,095,800 | 3,947 |