Home > Andalusia Community Bank > Performance and Condition Ratios
Andalusia Community Bank, Performance and Condition Ratios
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1712% | 3,201 |
| Cost of funding earning assets | 0.1913% | 5,069 |
| Net interest margin | 3.9799% | 1,925 |
| Noninterest income to average assets | 0.3498% | 3,825 |
| Noninterest expense to average assets | 3.6650% | 805 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4359% | 4,886 |
| Return on assets (ROA) | 0.4359% | 4,894 |
| Pretax return on assets | 0.4816% | 4,934 |
| Return on Equity (ROE) | 2.7349% | 5,060 |
| Retained earnings to average equity (ytd only) | 1.6219% | 4,603 |
| Net charge-offs to loans | 0.9400% | 143 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 0.7422% | 3,110 |
| Efficiency ratio | 88.3863% | 442 |
| Assets per employee ($millions) | 3.2932% | 4,824 |
| Cash dividends to net income (ytd only)* | 40.6977% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 2,130 |
| Loan loss allowance to noncurrent loans | 127.2727% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.8933% | 1,686 |
| Noncurrent loans to loans | 1.0279% | 1,715 |
| Net loans and leases to total assets | 69.4873% | 2,653 |
| Net loans and leases to deposits | 83.0511% | 2,644 |
| Net loans and leases to core deposits | 84.3807% | 3,048 |
| Total domestic deposits to total assets | 83.6682% | 3,187 |
| Equity capital to assets | 15.9598% | 507 |
| Core capital (leverage) ratio | 16.1623% | 474 |
| Tier 1 risk-based capital ratio | 25.4740% | 700 |
| Total risk-based capital ratio | 26.7247% | 688 |
| Memoranda: | ||
| Average total assets | $39,454,670 | 5,226 |
| Average earning assets | $37,639,330 | 5,205 |
| Average equity | $6,289,000 | 4,958 |
| Average total loans | $27,232,670 | 4,988 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1173% | 3,181 |
| Cost of funding earning assets | 0.2016% | 5,003 |
| Net interest margin | 3.9156% | 1,979 |
| Noninterest income to average assets | 0.1623% | 5,049 |
| Noninterest expense to average assets | 3.7034% | 755 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1623% | 5,281 |
| Return on assets (ROA) | 0.1623% | 5,277 |
| Pretax return on assets | 0.2029% | 5,260 |
| Return on Equity (ROE) | 1.0191% | 5,308 |
| Retained earnings to average equity (ytd only) | -1.2102% | 4,932 |
| Net charge-offs to loans | 1.2919% | 110 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 0.2299% | 2,647 |
| Efficiency ratio | 94.8052% | 276 |
| Assets per employee ($millions) | 3.2967% | 4,904 |
| Cash dividends to net income (ytd only)* | 218.7500% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5026% | 1,458 |
| Loan loss allowance to noncurrent loans | 77.7351% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 2.0071% | 568 |
| Noncurrent loans to loans | 1.9329% | 839 |
| Net loans and leases to total assets | 67.1107% | 2,876 |
| Net loans and leases to deposits | 80.1673% | 2,792 |
| Net loans and leases to core deposits | 81.4486% | 3,193 |
| Total domestic deposits to total assets | 83.7133% | 3,428 |
| Equity capital to assets | 15.8165% | 518 |
| Core capital (leverage) ratio | 16.0957% | 474 |
| Tier 1 risk-based capital ratio | 25.8226% | 701 |
| Total risk-based capital ratio | 27.0797% | 681 |
| Memoranda: | ||
| Average total assets | $39,423,000 | 5,282 |
| Average earning assets | $37,695,000 | 5,259 |
| Average equity | $6,280,000 | 5,012 |
| Average total loans | $26,937,000 | 5,043 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1445% | 2,902 |
| Cost of funding earning assets | 0.1989% | 4,957 |
| Net interest margin | 3.9456% | 1,931 |
| Noninterest income to average assets | 1.5003% | 468 |
| Noninterest expense to average assets | 3.9057% | 613 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2828% | 1,269 |
| Return on assets (ROA) | 1.3627% | 1,113 |
| Pretax return on assets | 1.4502% | 1,815 |
| Return on Equity (ROE) | 9.0166% | 2,311 |
| Retained earnings to average equity (ytd only) | 8.4376% | 634 |
| Net charge-offs to loans | -0.0475% | 5,171 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0987% | 1,878 |
| Assets per employee ($millions) | 3.2738% | 4,966 |
| Cash dividends to net income (ytd only)* | 6.4220% | 4,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8276% | 742 |
| Loan loss allowance to noncurrent loans | 42.2680% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 2.9629% | 273 |
| Noncurrent loans to loans | 4.3239% | 203 |
| Net loans and leases to total assets | 67.2708% | 2,920 |
| Net loans and leases to deposits | 80.6469% | 2,848 |
| Net loans and leases to core deposits | 81.9397% | 3,249 |
| Total domestic deposits to total assets | 83.4139% | 3,419 |
| Equity capital to assets | 16.0439% | 512 |
| Core capital (leverage) ratio | 15.8664% | 486 |
| Tier 1 risk-based capital ratio | 26.5675% | 620 |
| Total risk-based capital ratio | 27.8274% | 610 |
| Memoranda: | ||
| Average total assets | $39,993,200 | 5,326 |
| Average earning assets | $38,219,600 | 5,299 |
| Average equity | $6,044,400 | 5,095 |
| Average total loans | $27,377,600 | 5,079 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1258% | 2,894 |
| Cost of funding earning assets | 0.1917% | 5,044 |
| Net interest margin | 3.9342% | 1,919 |
| Noninterest income to average assets | 1.8355% | 351 |
| Noninterest expense to average assets | 3.8535% | 630 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6430% | 644 |
| Return on assets (ROA) | 1.6430% | 663 |
| Pretax return on assets | 1.7293% | 1,050 |
| Return on Equity (ROE) | 11.0369% | 1,687 |
| Retained earnings to average equity (ytd only) | 10.2566% | 534 |
| Net charge-offs to loans | -0.0534% | 5,179 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0250% | 2,705 |
| Assets per employee ($millions) | 3.3421% | 4,922 |
| Cash dividends to net income (ytd only)* | 7.0714% | 3,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8405% | 787 |
| Loan loss allowance to noncurrent loans | 54.3237% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 2.3114% | 500 |
| Noncurrent loans to loans | 3.3880% | 329 |
| Net loans and leases to total assets | 65.1615% | 3,222 |
| Net loans and leases to deposits | 77.8069% | 3,188 |
| Net loans and leases to core deposits | 79.0233% | 3,534 |
| Total domestic deposits to total assets | 83.7477% | 3,213 |
| Equity capital to assets | 15.7536% | 588 |
| Core capital (leverage) ratio | 15.6473% | 548 |
| Tier 1 risk-based capital ratio | 25.8204% | 691 |
| Total risk-based capital ratio | 27.0795% | 681 |
| Memoranda: | ||
| Average total assets | $40,170,000 | 5,384 |
| Average earning assets | $38,262,250 | 5,358 |
| Average equity | $5,979,750 | 5,163 |
| Average total loans | $27,492,000 | 5,136 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1696% | 2,584 |
| Cost of funding earning assets | 0.1879% | 5,083 |
| Net interest margin | 3.9817% | 1,667 |
| Noninterest income to average assets | 0.5275% | 2,844 |
| Noninterest expense to average assets | 3.7869% | 683 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4279% | 4,904 |
| Return on assets (ROA) | 0.4279% | 4,932 |
| Pretax return on assets | 0.5374% | 4,940 |
| Return on Equity (ROE) | 2.9317% | 5,144 |
| Retained earnings to average equity (ytd only) | 1.7385% | 4,554 |
| Net charge-offs to loans | -0.0576% | 5,234 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5719% | 569 |
| Assets per employee ($millions) | 3.0579% | 5,217 |
| Cash dividends to net income (ytd only)* | 40.6977% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3500% | 119 |
| Loan loss allowance to noncurrent loans | 96.2039% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 2.3822% | 477 |
| Noncurrent loans to loans | 3.4821% | 331 |
| Net loans and leases to total assets | 64.3750% | 3,335 |
| Net loans and leases to deposits | 75.9805% | 3,349 |
| Net loans and leases to core deposits | 77.1557% | 3,667 |
| Total domestic deposits to total assets | 84.7257% | 2,925 |
| Equity capital to assets | 14.8718% | 722 |
| Core capital (leverage) ratio | 14.8958% | 658 |
| Tier 1 risk-based capital ratio | 24.6917% | 789 |
| Total risk-based capital ratio | 25.9714% | 760 |
| Memoranda: | ||
| Average total assets | $40,191,670 | 5,430 |
| Average earning assets | $38,325,330 | 5,402 |
| Average equity | $5,867,000 | 5,209 |
| Average total loans | $27,781,670 | 5,170 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1001% | 2,648 |
| Cost of funding earning assets | 0.1859% | 5,103 |
| Net interest margin | 3.9142% | 1,731 |
| Noninterest income to average assets | 0.4058% | 3,614 |
| Noninterest expense to average assets | 3.6327% | 852 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5246% | 4,493 |
| Return on assets (ROA) | 0.5246% | 4,533 |
| Pretax return on assets | 0.5246% | 4,916 |
| Return on Equity (ROE) | 3.6273% | 4,910 |
| Retained earnings to average equity (ytd only) | 1.2319% | 4,581 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3810% | 707 |
| Assets per employee ($millions) | 3.3983% | 4,929 |
| Cash dividends to net income (ytd only)* | 66.0377% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1512% | 152 |
| Loan loss allowance to noncurrent loans | 92.1466% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 2.4032% | 498 |
| Noncurrent loans to loans | 3.4198% | 367 |
| Net loans and leases to total assets | 66.3234% | 2,923 |
| Net loans and leases to deposits | 78.5376% | 2,911 |
| Net loans and leases to core deposits | 79.7253% | 3,317 |
| Total domestic deposits to total assets | 84.4479% | 3,311 |
| Equity capital to assets | 14.3996% | 788 |
| Core capital (leverage) ratio | 14.7031% | 667 |
| Tier 1 risk-based capital ratio | 23.9300% | 874 |
| Total risk-based capital ratio | 25.2091% | 854 |
| Memoranda: | ||
| Average total assets | $40,411,000 | 5,492 |
| Average earning assets | $38,731,000 | 5,455 |
| Average equity | $5,844,500 | 5,260 |
| Average total loans | $28,433,500 | 5,206 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2753% | 2,227 |
| Cost of funding earning assets | 0.1985% | 5,024 |
| Net interest margin | 4.0768% | 1,438 |
| Noninterest income to average assets | 0.5739% | 2,793 |
| Noninterest expense to average assets | 3.7088% | 870 |
| Loan and lease loss provision to assets | 0.2627% | 782 |
| Net operating income to assets | 0.5306% | 4,508 |
| Return on assets (ROA) | 0.6658% | 4,040 |
| Pretax return on assets | 0.6658% | 4,605 |
| Return on Equity (ROE) | 4.5290% | 4,646 |
| Retained earnings to average equity (ytd only) | 4.5290% | 2,681 |
| Net charge-offs to loans | 0.3208% | 853 |
| Credit loss provision to net charge-offs | 118.3908% | 2,243 |
| Earnings coverage of net charge-offs (x) | 3.5747% | 3,640 |
| Efficiency ratio | 82.3796% | 1,162 |
| Assets per employee ($millions) | 3.3369% | 4,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0372% | 170 |
| Loan loss allowance to noncurrent loans | 91.3721% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 2.4649% | 487 |
| Noncurrent loans to loans | 3.3240% | 372 |
| Net loans and leases to total assets | 70.0797% | 2,454 |
| Net loans and leases to deposits | 86.8416% | 2,071 |
| Net loans and leases to core deposits | 87.6910% | 2,704 |
| Total domestic deposits to total assets | 80.6982% | 4,413 |
| Equity capital to assets | 14.5269% | 724 |
| Core capital (leverage) ratio | 14.4384% | 708 |
| Tier 1 risk-based capital ratio | 25.5208% | 722 |
| Total risk-based capital ratio | 26.8023% | 711 |
| Memoranda: | ||
| Average total assets | $39,203,800 | 5,555 |
| Average earning assets | $37,775,000 | 5,514 |
| Average equity | $5,762,800 | 5,320 |
| Average total loans | $27,119,400 | 5,293 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2750% | 2,244 |
| Cost of funding earning assets | 0.1953% | 5,120 |
| Net interest margin | 4.0797% | 1,444 |
| Noninterest income to average assets | 0.6086% | 2,619 |
| Noninterest expense to average assets | 3.6757% | 887 |
| Loan and lease loss provision to assets | 0.0957% | 2,310 |
| Net operating income to assets | 0.6933% | 3,885 |
| Return on assets (ROA) | 0.8582% | 3,236 |
| Pretax return on assets | 0.9471% | 3,824 |
| Return on Equity (ROE) | 5.8209% | 4,160 |
| Retained earnings to average equity (ytd only) | 5.8209% | 2,289 |
| Net charge-offs to loans | 0.0650% | 2,415 |
| Credit loss provision to net charge-offs | 215.3846% | 1,365 |
| Earnings coverage of net charge-offs (x) | 19.3878% | 1,936 |
| Efficiency ratio | 81.0098% | 1,299 |
| Assets per employee ($millions) | 3.3280% | 5,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0938% | 169 |
| Loan loss allowance to noncurrent loans | 160.2190% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 1.3722% | 1,364 |
| Noncurrent loans to loans | 1.9310% | 1,029 |
| Net loans and leases to total assets | 68.8627% | 2,665 |
| Net loans and leases to deposits | 84.0624% | 2,478 |
| Net loans and leases to core deposits | 84.8744% | 3,044 |
| Total domestic deposits to total assets | 81.9186% | 3,957 |
| Equity capital to assets | 14.7887% | 793 |
| Core capital (leverage) ratio | 14.6142% | 697 |
| Tier 1 risk-based capital ratio | 26.0634% | 710 |
| Total risk-based capital ratio | 27.3432% | 691 |
| Memoranda: | ||
| Average total assets | $38,994,000 | 5,611 |
| Average earning assets | $37,551,000 | 5,573 |
| Average equity | $5,749,250 | 5,381 |
| Average total loans | $26,664,000 | 5,357 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2373% | 2,374 |
| Cost of funding earning assets | 0.1990% | 5,158 |
| Net interest margin | 4.0384% | 1,527 |
| Noninterest income to average assets | 0.4395% | 3,597 |
| Noninterest expense to average assets | 3.7280% | 845 |
| Loan and lease loss provision to assets | 0.0569% | 3,000 |
| Net operating income to assets | 0.4853% | 4,740 |
| Return on assets (ROA) | 0.7394% | 3,770 |
| Pretax return on assets | 0.8170% | 4,225 |
| Return on Equity (ROE) | 5.0202% | 4,508 |
| Retained earnings to average equity (ytd only) | 5.0202% | 2,728 |
| Net charge-offs to loans | 0.0996% | 1,838 |
| Credit loss provision to net charge-offs | 84.6154% | 2,320 |
| Earnings coverage of net charge-offs (x) | 8.8462% | 2,481 |
| Efficiency ratio | 86.2440% | 857 |
| Assets per employee ($millions) | 3.2404% | 5,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2085% | 158 |
| Loan loss allowance to noncurrent loans | 190.0662% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 1.3604% | 1,455 |
| Noncurrent loans to loans | 1.6881% | 1,258 |
| Net loans and leases to total assets | 66.7970% | 2,966 |
| Net loans and leases to deposits | 80.0505% | 2,926 |
| Net loans and leases to core deposits | 80.8278% | 3,382 |
| Total domestic deposits to total assets | 83.4435% | 3,486 |
| Equity capital to assets | 14.8875% | 758 |
| Core capital (leverage) ratio | 14.6761% | 674 |
| Tier 1 risk-based capital ratio | 25.5687% | 763 |
| Total risk-based capital ratio | 26.8481% | 742 |
| Memoranda: | ||
| Average total assets | $38,680,000 | 5,681 |
| Average earning assets | $37,193,330 | 5,643 |
| Average equity | $5,697,000 | 5,445 |
| Average total loans | $26,092,330 | 5,431 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1361% | 2,704 |
| Cost of funding earning assets | 0.2041% | 5,161 |
| Net interest margin | 3.9319% | 1,837 |
| Noninterest income to average assets | 0.3940% | 3,875 |
| Noninterest expense to average assets | 3.7327% | 859 |
| Loan and lease loss provision to assets | 0.1141% | 1,835 |
| Net operating income to assets | 0.3087% | 5,277 |
| Return on assets (ROA) | 0.8088% | 3,318 |
| Pretax return on assets | 0.8917% | 3,875 |
| Return on Equity (ROE) | 5.5211% | 4,212 |
| Retained earnings to average equity (ytd only) | 5.5211% | 2,629 |
| Net charge-offs to loans | 0.2955% | 721 |
| Credit loss provision to net charge-offs | 57.8947% | 1,992 |
| Earnings coverage of net charge-offs (x) | 2.3158% | 2,703 |
| Efficiency ratio | 89.1089% | 734 |
| Assets per employee ($millions) | 3.1663% | 5,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2999% | 166 |
| Loan loss allowance to noncurrent loans | 158.6271% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 1.6186% | 1,226 |
| Noncurrent loans to loans | 2.0803% | 1,015 |
| Net loans and leases to total assets | 65.9412% | 2,959 |
| Net loans and leases to deposits | 77.8468% | 3,020 |
| Net loans and leases to core deposits | 78.6089% | 3,434 |
| Total domestic deposits to total assets | 84.7063% | 3,238 |
| Equity capital to assets | 14.9858% | 699 |
| Core capital (leverage) ratio | 14.5581% | 684 |
| Tier 1 risk-based capital ratio | 25.7703% | 752 |
| Total risk-based capital ratio | 27.0515% | 738 |
| Memoranda: | ||
| Average total assets | $38,577,500 | 5,743 |
| Average earning assets | $37,233,500 | 5,698 |
| Average equity | $5,651,000 | 5,486 |
| Average total loans | $25,721,000 | 5,493 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2074% | 2,535 |
| Cost of funding earning assets | 0.2501% | 4,787 |
| Net interest margin | 3.9573% | 1,853 |
| Noninterest income to average assets | 0.1695% | 5,564 |
| Noninterest expense to average assets | 3.7525% | 919 |
| Loan and lease loss provision to assets | 0.0524% | 3,266 |
| Net operating income to assets | 0.1427% | 5,694 |
| Return on assets (ROA) | 0.2493% | 5,552 |
| Pretax return on assets | 0.2668% | 5,587 |
| Return on Equity (ROE) | 1.7954% | 5,622 |
| Retained earnings to average equity (ytd only) | 1.7954% | 4,708 |
| Net charge-offs to loans | 0.5422% | 471 |
| Credit loss provision to net charge-offs | 15.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 0.5857% | 4,208 |
| Efficiency ratio | 94.8330% | 445 |
| Assets per employee ($millions) | 3.0122% | 5,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3801% | 147 |
| Loan loss allowance to noncurrent loans | 178.6749% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 1.4505% | 1,422 |
| Noncurrent loans to loans | 1.8917% | 1,132 |
| Net loans and leases to total assets | 62.9970% | 3,414 |
| Net loans and leases to deposits | 76.6189% | 3,189 |
| Net loans and leases to core deposits | 77.3687% | 3,619 |
| Total domestic deposits to total assets | 82.2212% | 4,103 |
| Equity capital to assets | 14.3211% | 826 |
| Core capital (leverage) ratio | 14.0119% | 816 |
| Tier 1 risk-based capital ratio | 24.7662% | 836 |
| Total risk-based capital ratio | 26.0461% | 819 |
| Memoranda: | ||
| Average total assets | $40,107,000 | 5,764 |
| Average earning assets | $38,384,400 | 5,719 |
| Average equity | $5,569,800 | 5,527 |
| Average total loans | $25,818,600 | 5,525 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1910% | 2,608 |
| Cost of funding earning assets | 0.2596% | 4,779 |
| Net interest margin | 3.9315% | 1,926 |
| Noninterest income to average assets | 0.0991% | 5,970 |
| Noninterest expense to average assets | 3.8006% | 850 |
| Loan and lease loss provision to assets | 0.0694% | 2,786 |
| Net operating income to assets | -0.0066% | 5,943 |
| Return on assets (ROA) | 0.1553% | 5,815 |
| Pretax return on assets | 0.1454% | 5,848 |
| Return on Equity (ROE) | 1.1271% | 5,836 |
| Retained earnings to average equity (ytd only) | 1.1271% | 5,265 |
| Net charge-offs to loans | 0.7210% | 293 |
| Credit loss provision to net charge-offs | 15.0000% | 3,406 |
| Earnings coverage of net charge-offs (x) | 0.1143% | 3,982 |
| Efficiency ratio | 98.6278% | 332 |
| Assets per employee ($millions) | 3.0288% | 5,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3704% | 167 |
| Loan loss allowance to noncurrent loans | 184.4017% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 1.4044% | 1,637 |
| Noncurrent loans to loans | 1.8278% | 1,289 |
| Net loans and leases to total assets | 62.8368% | 3,476 |
| Net loans and leases to deposits | 77.7708% | 3,119 |
| Net loans and leases to core deposits | 78.5386% | 3,558 |
| Total domestic deposits to total assets | 80.7975% | 4,525 |
| Equity capital to assets | 14.1130% | 982 |
| Core capital (leverage) ratio | 13.6039% | 974 |
| Tier 1 risk-based capital ratio | 24.8967% | 866 |
| Total risk-based capital ratio | 26.1776% | 853 |
| Memoranda: | ||
| Average total assets | $40,344,000 | 5,832 |
| Average earning assets | $38,525,750 | 5,792 |
| Average equity | $5,560,250 | 5,598 |
| Average total loans | $25,890,250 | 5,585 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1463% | 2,731 |
| Cost of funding earning assets | 0.2637% | 4,789 |
| Net interest margin | 3.8826% | 2,042 |
| Noninterest income to average assets | 0.3639% | 4,340 |
| Noninterest expense to average assets | 3.8114% | 857 |
| Loan and lease loss provision to assets | 0.1033% | 2,105 |
| Net operating income to assets | 0.1623% | 5,785 |
| Return on assets (ROA) | 0.1770% | 5,808 |
| Pretax return on assets | 0.1574% | 5,870 |
| Return on Equity (ROE) | 1.2947% | 5,837 |
| Retained earnings to average equity (ytd only) | 1.2947% | 5,031 |
| Net charge-offs to loans | 1.0852% | 182 |
| Credit loss provision to net charge-offs | 14.8936% | 3,067 |
| Earnings coverage of net charge-offs (x) | 0.3546% | 3,668 |
| Efficiency ratio | 93.9394% | 517 |
| Assets per employee ($millions) | 3.1310% | 5,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2976% | 194 |
| Loan loss allowance to noncurrent loans | 121.0674% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 2.2922% | 884 |
| Noncurrent loans to loans | 2.7238% | 789 |
| Net loans and leases to total assets | 62.1035% | 3,533 |
| Net loans and leases to deposits | 77.1706% | 3,136 |
| Net loans and leases to core deposits | 77.9079% | 3,586 |
| Total domestic deposits to total assets | 80.4756% | 4,755 |
| Equity capital to assets | 13.6820% | 1,095 |
| Core capital (leverage) ratio | 13.5376% | 979 |
| Tier 1 risk-based capital ratio | 24.3306% | 926 |
| Total risk-based capital ratio | 25.6116% | 910 |
| Memoranda: | ||
| Average total assets | $40,667,000 | 5,892 |
| Average earning assets | $38,685,000 | 5,844 |
| Average equity | $5,561,330 | 5,649 |
| Average total loans | $25,985,330 | 5,634 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1538% | 2,622 |
| Cost of funding earning assets | 0.2687% | 4,807 |
| Net interest margin | 3.8852% | 1,946 |
| Noninterest income to average assets | 0.2558% | 5,128 |
| Noninterest expense to average assets | 3.8574% | 819 |
| Loan and lease loss provision to assets | 0.1378% | 1,493 |
| Net operating income to assets | 0.0295% | 5,979 |
| Return on assets (ROA) | 0.0295% | 6,019 |
| Pretax return on assets | -0.0394% | 6,080 |
| Return on Equity (ROE) | 0.2159% | 6,023 |
| Retained earnings to average equity (ytd only) | 0.2159% | 5,300 |
| Net charge-offs to loans | 2.7482% | 51 |
| Credit loss provision to net charge-offs | 7.8652% | 2,444 |
| Earnings coverage of net charge-offs (x) | 0.0562% | 3,108 |
| Efficiency ratio | 97.5124% | 449 |
| Assets per employee ($millions) | 2.8836% | 5,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1515% | 259 |
| Loan loss allowance to noncurrent loans | 142.5087% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 1.9692% | 1,217 |
| Noncurrent loans to loans | 2.2114% | 1,145 |
| Net loans and leases to total assets | 62.2675% | 3,323 |
| Net loans and leases to deposits | 74.7221% | 3,195 |
| Net loans and leases to core deposits | 76.1596% | 3,581 |
| Total domestic deposits to total assets | 83.3321% | 4,070 |
| Equity capital to assets | 13.8168% | 1,049 |
| Core capital (leverage) ratio | 13.2024% | 1,089 |
| Tier 1 risk-based capital ratio | 26.1018% | 778 |
| Total risk-based capital ratio | 27.3836% | 758 |
| Memoranda: | ||
| Average total assets | $40,649,000 | 5,947 |
| Average earning assets | $38,711,500 | 5,900 |
| Average equity | $5,557,500 | 5,702 |
| Average total loans | $25,908,000 | 5,683 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2018% | 2,951 |
| Cost of funding earning assets | 0.3153% | 4,631 |
| Net interest margin | 3.8865% | 2,292 |
| Noninterest income to average assets | 0.4910% | 3,576 |
| Noninterest expense to average assets | 4.5071% | 460 |
| Loan and lease loss provision to assets | 0.6144% | 225 |
| Net operating income to assets | -1.6558% | 6,442 |
| Return on assets (ROA) | -1.3332% | 6,417 |
| Pretax return on assets | -0.6523% | 6,314 |
| Return on Equity (ROE) | -9.3321% | 6,351 |
| Retained earnings to average equity (ytd only) | -9.3321% | 6,296 |
| Net charge-offs to loans | -0.0244% | 5,744 |
| Credit loss provision to net charge-offs | -4,316.6667% | 6,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.6957% | 235 |
| Assets per employee ($millions) | 2.7285% | 6,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7974% | 152 |
| Loan loss allowance to noncurrent loans | 126.8734% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 2.2064% | 1,105 |
| Noncurrent loans to loans | 2.9930% | 750 |
| Net loans and leases to total assets | 60.7863% | 3,677 |
| Net loans and leases to deposits | 72.6259% | 3,604 |
| Net loans and leases to core deposits | 73.9954% | 3,919 |
| Total domestic deposits to total assets | 83.6978% | 3,838 |
| Equity capital to assets | 13.5290% | 1,149 |
| Core capital (leverage) ratio | 12.9733% | 1,154 |
| Tier 1 risk-based capital ratio | 23.5687% | 998 |
| Total risk-based capital ratio | 24.8569% | 977 |
| Memoranda: | ||
| Average total assets | $42,155,600 | 5,982 |
| Average earning assets | $39,649,800 | 5,927 |
| Average equity | $6,022,200 | 5,615 |
| Average total loans | $24,565,000 | 5,797 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2522% | 2,801 |
| Cost of funding earning assets | 0.3209% | 4,663 |
| Net interest margin | 3.9313% | 2,113 |
| Noninterest income to average assets | 0.5181% | 3,421 |
| Noninterest expense to average assets | 4.5341% | 445 |
| Loan and lease loss provision to assets | 0.1601% | 1,559 |
| Net operating income to assets | -0.1567% | 6,252 |
| Return on assets (ROA) | -0.1005% | 6,226 |
| Pretax return on assets | -0.3956% | 6,327 |
| Return on Equity (ROE) | -0.6946% | 6,205 |
| Retained earnings to average equity (ytd only) | -0.6946% | 5,907 |
| Net charge-offs to loans | 0.0440% | 3,619 |
| Credit loss provision to net charge-offs | 637.5000% | 466 |
| Earnings coverage of net charge-offs (x) | -12.8707% | 4,642 |
| Efficiency ratio | 107.6808% | 248 |
| Assets per employee ($millions) | 2.8419% | 5,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0246% | 352 |
| Loan loss allowance to noncurrent loans | 105.7024% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 2.0714% | 1,362 |
| Noncurrent loans to loans | 2.8615% | 952 |
| Net loans and leases to total assets | 57.1606% | 4,184 |
| Net loans and leases to deposits | 70.7890% | 3,822 |
| Net loans and leases to core deposits | 72.1152% | 4,143 |
| Total domestic deposits to total assets | 80.7478% | 4,902 |
| Equity capital to assets | 14.3377% | 897 |
| Core capital (leverage) ratio | 14.1123% | 812 |
| Tier 1 risk-based capital ratio | 25.3206% | 849 |
| Total risk-based capital ratio | 26.5945% | 834 |
| Memoranda: | ||
| Average total assets | $42,462,750 | 6,040 |
| Average earning assets | $39,884,250 | 5,990 |
| Average equity | $6,143,500 | 5,648 |
| Average total loans | $24,241,250 | 5,874 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2476% | 2,776 |
| Cost of funding earning assets | 0.3318% | 4,624 |
| Net interest margin | 3.9158% | 2,094 |
| Noninterest income to average assets | 0.4669% | 3,738 |
| Noninterest expense to average assets | 4.0323% | 734 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1792% | 5,897 |
| Return on assets (ROA) | 0.3113% | 5,604 |
| Pretax return on assets | 0.2405% | 5,892 |
| Return on Equity (ROE) | 2.1449% | 5,808 |
| Retained earnings to average equity (ytd only) | 2.1449% | 4,825 |
| Net charge-offs to loans | -0.0585% | 5,945 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3804% | 490 |
| Assets per employee ($millions) | 2.7761% | 6,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0059% | 382 |
| Loan loss allowance to noncurrent loans | 174.8792% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 2.0749% | 1,517 |
| Noncurrent loans to loans | 1.7188% | 2,009 |
| Net loans and leases to total assets | 56.1034% | 4,267 |
| Net loans and leases to deposits | 66.2846% | 4,244 |
| Net loans and leases to core deposits | 67.9958% | 4,469 |
| Total domestic deposits to total assets | 84.6401% | 3,664 |
| Equity capital to assets | 14.8940% | 725 |
| Core capital (leverage) ratio | 14.1941% | 773 |
| Tier 1 risk-based capital ratio | 26.1959% | 749 |
| Total risk-based capital ratio | 27.4707% | 737 |
| Memoranda: | ||
| Average total assets | $42,407,330 | 6,096 |
| Average earning assets | $39,787,330 | 6,050 |
| Average equity | $6,154,000 | 5,686 |
| Average total loans | $23,946,000 | 5,931 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2194% | 2,801 |
| Cost of funding earning assets | 0.3391% | 4,656 |
| Net interest margin | 3.8803% | 2,154 |
| Noninterest income to average assets | 0.5048% | 3,371 |
| Noninterest expense to average assets | 3.9728% | 786 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2711% | 5,592 |
| Return on assets (ROA) | 0.2711% | 5,638 |
| Pretax return on assets | 0.1683% | 5,981 |
| Return on Equity (ROE) | 1.8923% | 5,812 |
| Retained earnings to average equity (ytd only) | 1.8923% | 4,834 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9368% | 643 |
| Assets per employee ($millions) | 3.0570% | 5,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0692% | 401 |
| Loan loss allowance to noncurrent loans | 162.5850% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 2.0819% | 1,618 |
| Noncurrent loans to loans | 1.8878% | 2,014 |
| Net loans and leases to total assets | 52.9090% | 4,550 |
| Net loans and leases to deposits | 62.1064% | 4,531 |
| Net loans and leases to core deposits | 63.6550% | 4,718 |
| Total domestic deposits to total assets | 85.1909% | 3,783 |
| Equity capital to assets | 14.3932% | 813 |
| Core capital (leverage) ratio | 14.0093% | 817 |
| Tier 1 risk-based capital ratio | 26.2299% | 772 |
| Total risk-based capital ratio | 27.5011% | 758 |
| Memoranda: | ||
| Average total assets | $42,790,500 | 6,144 |
| Average earning assets | $40,100,500 | 6,099 |
| Average equity | $6,130,000 | 5,719 |
| Average total loans | $23,876,000 | 5,989 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0880% | 3,783 |
| Cost of funding earning assets | 0.4433% | 4,180 |
| Net interest margin | 3.6448% | 3,264 |
| Noninterest income to average assets | 0.4895% | 3,821 |
| Noninterest expense to average assets | 3.7068% | 1,276 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2565% | 5,670 |
| Return on assets (ROA) | 0.3677% | 5,383 |
| Pretax return on assets | 0.2865% | 5,766 |
| Return on Equity (ROE) | 2.8193% | 5,572 |
| Retained earnings to average equity (ytd only) | 2.8193% | 4,236 |
| Net charge-offs to loans | 0.2820% | 2,285 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1.1714% | 4,678 |
| Efficiency ratio | 95.4846% | 670 |
| Assets per employee ($millions) | 3.0559% | 5,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9396% | 509 |
| Loan loss allowance to noncurrent loans | 137.6200% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 2.2696% | 1,561 |
| Noncurrent loans to loans | 2.1360% | 1,839 |
| Net loans and leases to total assets | 55.3351% | 4,413 |
| Net loans and leases to deposits | 65.6572% | 4,333 |
| Net loans and leases to core deposits | 67.3092% | 4,584 |
| Total domestic deposits to total assets | 84.2788% | 4,058 |
| Equity capital to assets | 14.2580% | 841 |
| Core capital (leverage) ratio | 13.2815% | 1,029 |
| Tier 1 risk-based capital ratio | 25.6284% | 802 |
| Total risk-based capital ratio | 26.9024% | 785 |
| Memoranda: | ||
| Average total assets | $46,779,000 | 6,098 |
| Average earning assets | $43,542,000 | 6,064 |
| Average equity | $6,100,800 | 5,797 |
| Average total loans | $24,826,000 | 5,991 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0091% | 4,093 |
| Cost of funding earning assets | 0.4608% | 4,161 |
| Net interest margin | 3.5483% | 3,666 |
| Noninterest income to average assets | 0.4521% | 4,141 |
| Noninterest expense to average assets | 3.5134% | 1,588 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2651% | 5,736 |
| Return on assets (ROA) | 0.4102% | 5,344 |
| Pretax return on assets | 0.3712% | 5,702 |
| Return on Equity (ROE) | 3.2126% | 5,527 |
| Retained earnings to average equity (ytd only) | 3.2126% | 4,391 |
| Net charge-offs to loans | 0.1337% | 3,204 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 3.2403% | 3,758 |
| Efficiency ratio | 93.9552% | 741 |
| Assets per employee ($millions) | 3.0641% | 5,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0297% | 536 |
| Loan loss allowance to noncurrent loans | 142.4299% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 2.5391% | 1,506 |
| Noncurrent loans to loans | 2.1272% | 2,102 |
| Net loans and leases to total assets | 53.0646% | 4,742 |
| Net loans and leases to deposits | 64.2492% | 4,496 |
| Net loans and leases to core deposits | 65.7811% | 4,738 |
| Total domestic deposits to total assets | 82.5918% | 4,720 |
| Equity capital to assets | 13.2177% | 1,234 |
| Core capital (leverage) ratio | 12.8838% | 1,248 |
| Tier 1 risk-based capital ratio | 24.4603% | 937 |
| Total risk-based capital ratio | 25.7343% | 917 |
| Memoranda: | ||
| Average total assets | $47,778,000 | 6,144 |
| Average earning assets | $44,264,750 | 6,118 |
| Average equity | $6,101,000 | 5,866 |
| Average total loans | $24,934,750 | 6,039 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9450% | 4,307 |
| Cost of funding earning assets | 0.4881% | 4,011 |
| Net interest margin | 3.4569% | 3,972 |
| Noninterest income to average assets | 0.5291% | 3,638 |
| Noninterest expense to average assets | 3.3937% | 1,837 |
| Loan and lease loss provision to assets | 0.1860% | 2,029 |
| Net operating income to assets | 0.1943% | 5,915 |
| Return on assets (ROA) | 0.4051% | 5,365 |
| Pretax return on assets | 0.3514% | 5,746 |
| Return on Equity (ROE) | 3.2080% | 5,543 |
| Retained earnings to average equity (ytd only) | 3.2080% | 4,270 |
| Net charge-offs to loans | -0.2413% | 6,712 |
| Credit loss provision to net charge-offs | -150.0000% | 5,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2222% | 962 |
| Assets per employee ($millions) | 3.3472% | 5,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4428% | 389 |
| Loan loss allowance to noncurrent loans | 94.9339% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 2.4135% | 1,761 |
| Noncurrent loans to loans | 3.6265% | 1,134 |
| Net loans and leases to total assets | 51.5909% | 4,917 |
| Net loans and leases to deposits | 59.7233% | 5,004 |
| Net loans and leases to core deposits | 61.5400% | 5,140 |
| Total domestic deposits to total assets | 86.3831% | 3,170 |
| Equity capital to assets | 12.9660% | 1,357 |
| Core capital (leverage) ratio | 12.3715% | 1,423 |
| Tier 1 risk-based capital ratio | 24.7803% | 897 |
| Total risk-based capital ratio | 26.0609% | 880 |
| Memoranda: | ||
| Average total assets | $48,383,670 | 6,165 |
| Average earning assets | $44,664,670 | 6,148 |
| Average equity | $6,109,670 | 5,899 |
| Average total loans | $24,862,670 | 6,075 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8402% | 4,678 |
| Cost of funding earning assets | 0.5221% | 3,863 |
| Net interest margin | 3.3182% | 4,451 |
| Noninterest income to average assets | 0.3907% | 4,532 |
| Noninterest expense to average assets | 3.2964% | 2,090 |
| Loan and lease loss provision to assets | 0.2767% | 1,271 |
| Net operating income to assets | -0.0407% | 6,387 |
| Return on assets (ROA) | 0.3825% | 5,346 |
| Pretax return on assets | 0.2930% | 5,867 |
| Return on Equity (ROE) | 3.0686% | 5,562 |
| Retained earnings to average equity (ytd only) | 3.0686% | 4,439 |
| Net charge-offs to loans | 0.4682% | 1,280 |
| Credit loss provision to net charge-offs | 117.2414% | 1,624 |
| Earnings coverage of net charge-offs (x) | 0.6207% | 3,615 |
| Efficiency ratio | 95.7447% | 744 |
| Assets per employee ($millions) | 3.4949% | 4,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2147% | 536 |
| Loan loss allowance to noncurrent loans | 78.8060% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 2.5200% | 1,823 |
| Noncurrent loans to loans | 4.0792% | 1,097 |
| Net loans and leases to total assets | 48.7339% | 5,150 |
| Net loans and leases to deposits | 56.3818% | 5,207 |
| Net loans and leases to core deposits | 58.6276% | 5,278 |
| Total domestic deposits to total assets | 86.4354% | 3,283 |
| Equity capital to assets | 12.5141% | 1,707 |
| Core capital (leverage) ratio | 11.9450% | 1,601 |
| Tier 1 risk-based capital ratio | 24.2032% | 991 |
| Total risk-based capital ratio | 25.4773% | 971 |
| Memoranda: | ||
| Average total assets | $49,145,000 | 6,204 |
| Average earning assets | $45,205,500 | 6,184 |
| Average equity | $6,126,500 | 5,953 |
| Average total loans | $24,775,000 | 6,133 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0278% | 5,218 |
| Cost of funding earning assets | 0.7704% | 2,911 |
| Net interest margin | 3.2574% | 5,406 |
| Noninterest income to average assets | 0.6140% | 3,208 |
| Noninterest expense to average assets | 3.0485% | 3,098 |
| Loan and lease loss provision to assets | 1.8225% | 136 |
| Net operating income to assets | -0.4882% | 6,560 |
| Return on assets (ROA) | -0.4857% | 6,598 |
| Pretax return on assets | -1.1891% | 6,780 |
| Return on Equity (ROE) | -4.0049% | 6,551 |
| Retained earnings to average equity (ytd only) | -4.0049% | 6,361 |
| Net charge-offs to loans | 1.6844% | 493 |
| Credit loss provision to net charge-offs | 223.3333% | 1,123 |
| Earnings coverage of net charge-offs (x) | 0.7714% | 5,091 |
| Efficiency ratio | 82.8843% | 1,762 |
| Assets per employee ($millions) | 3.7970% | 4,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1590% | 574 |
| Loan loss allowance to noncurrent loans | 64.5082% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 2.5769% | 1,886 |
| Noncurrent loans to loans | 4.8970% | 829 |
| Net loans and leases to total assets | 48.8766% | 5,317 |
| Net loans and leases to deposits | 55.9846% | 5,446 |
| Net loans and leases to core deposits | 58.5412% | 5,493 |
| Total domestic deposits to total assets | 87.3037% | 2,644 |
| Equity capital to assets | 12.4187% | 1,770 |
| Core capital (leverage) ratio | 11.7234% | 1,723 |
| Tier 1 risk-based capital ratio | 23.9167% | 982 |
| Total risk-based capital ratio | 25.1900% | 960 |
| Memoranda: | ||
| Average total assets | $51,468,200 | 6,167 |
| Average earning assets | $48,413,400 | 6,108 |
| Average equity | $6,242,400 | 5,951 |
| Average total loans | $24,935,400 | 6,199 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9878% | 5,548 |
| Cost of funding earning assets | 0.8073% | 2,884 |
| Net interest margin | 3.1805% | 5,747 |
| Noninterest income to average assets | 0.5642% | 3,515 |
| Noninterest expense to average assets | 3.0182% | 3,177 |
| Loan and lease loss provision to assets | 1.6540% | 177 |
| Net operating income to assets | -0.5136% | 6,708 |
| Return on assets (ROA) | -0.5103% | 6,737 |
| Pretax return on assets | -1.0924% | 6,889 |
| Return on Equity (ROE) | -4.2314% | 6,691 |
| Retained earnings to average equity (ytd only) | -4.2314% | 6,570 |
| Net charge-offs to loans | 2.3254% | 279 |
| Credit loss provision to net charge-offs | 148.2759% | 1,914 |
| Earnings coverage of net charge-offs (x) | 0.4989% | 5,071 |
| Efficiency ratio | 84.4333% | 1,541 |
| Assets per employee ($millions) | 3.8193% | 4,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8476% | 2,651 |
| Loan loss allowance to noncurrent loans | 50.7415% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 2.0060% | 2,628 |
| Noncurrent loans to loans | 3.6411% | 1,481 |
| Net loans and leases to total assets | 51.2517% | 5,150 |
| Net loans and leases to deposits | 59.1901% | 5,296 |
| Net loans and leases to core deposits | 61.4039% | 5,414 |
| Total domestic deposits to total assets | 86.5884% | 2,929 |
| Equity capital to assets | 12.4569% | 1,919 |
| Core capital (leverage) ratio | 11.5762% | 1,930 |
| Tier 1 risk-based capital ratio | 23.1588% | 1,150 |
| Total risk-based capital ratio | 24.4165% | 1,122 |
| Memoranda: | ||
| Average total assets | $51,995,000 | 6,220 |
| Average earning assets | $49,215,250 | 6,151 |
| Average equity | $6,270,500 | 6,016 |
| Average total loans | $24,941,000 | 6,284 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0463% | 5,493 |
| Cost of funding earning assets | 0.8533% | 2,774 |
| Net interest margin | 3.1930% | 5,765 |
| Noninterest income to average assets | 0.5646% | 3,491 |
| Noninterest expense to average assets | 2.8763% | 3,722 |
| Loan and lease loss provision to assets | 2.2737% | 102 |
| Net operating income to assets | -0.8272% | 6,869 |
| Return on assets (ROA) | -0.8223% | 6,889 |
| Pretax return on assets | -1.5575% | 7,013 |
| Return on Equity (ROE) | -6.8900% | 6,826 |
| Retained earnings to average equity (ytd only) | -6.8900% | 6,715 |
| Net charge-offs to loans | 3.3722% | 160 |
| Credit loss provision to net charge-offs | 144.5783% | 1,918 |
| Earnings coverage of net charge-offs (x) | 0.4506% | 4,853 |
| Efficiency ratio | 80.2326% | 2,135 |
| Assets per employee ($millions) | 3.9453% | 3,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7948% | 2,870 |
| Loan loss allowance to noncurrent loans | 44.9060% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 1.9712% | 2,816 |
| Noncurrent loans to loans | 3.9967% | 1,382 |
| Net loans and leases to total assets | 48.4353% | 5,570 |
| Net loans and leases to deposits | 55.6384% | 5,693 |
| Net loans and leases to core deposits | 57.2251% | 5,844 |
| Total domestic deposits to total assets | 87.0538% | 2,739 |
| Equity capital to assets | 11.9870% | 2,161 |
| Core capital (leverage) ratio | 11.3011% | 2,045 |
| Tier 1 risk-based capital ratio | 22.4626% | 1,204 |
| Total risk-based capital ratio | 23.7169% | 1,187 |
| Memoranda: | ||
| Average total assets | $52,776,330 | 6,240 |
| Average earning assets | $49,922,330 | 6,161 |
| Average equity | $6,299,000 | 6,042 |
| Average total loans | $24,612,670 | 6,338 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9680% | 5,866 |
| Cost of funding earning assets | 0.9018% | 2,672 |
| Net interest margin | 3.0662% | 6,139 |
| Noninterest income to average assets | 0.5605% | 3,494 |
| Noninterest expense to average assets | 2.7952% | 4,053 |
| Loan and lease loss provision to assets | 0.1868% | 3,093 |
| Net operating income to assets | 0.5007% | 4,829 |
| Return on assets (ROA) | 0.5157% | 4,968 |
| Pretax return on assets | 0.5157% | 5,374 |
| Return on Equity (ROE) | 4.3298% | 5,127 |
| Retained earnings to average equity (ytd only) | 4.3298% | 3,993 |
| Net charge-offs to loans | 1.0712% | 960 |
| Credit loss provision to net charge-offs | 38.4615% | 3,467 |
| Earnings coverage of net charge-offs (x) | 1.4154% | 3,615 |
| Efficiency ratio | 80.2575% | 2,166 |
| Assets per employee ($millions) | 3.5131% | 5,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9497% | 6,418 |
| Loan loss allowance to noncurrent loans | 28.1327% | 6,259 |
| Noncurrent assets plus other real estate owned to assets | 1.5447% | 3,547 |
| Noncurrent loans to loans | 3.3756% | 1,875 |
| Net loans and leases to total assets | 45.3260% | 5,865 |
| Net loans and leases to deposits | 52.2533% | 5,952 |
| Net loans and leases to core deposits | 54.4450% | 6,026 |
| Total domestic deposits to total assets | 86.7428% | 3,095 |
| Equity capital to assets | 12.1565% | 1,941 |
| Core capital (leverage) ratio | 11.5471% | 1,868 |
| Tier 1 risk-based capital ratio | 23.3963% | 1,083 |
| Total risk-based capital ratio | 24.2686% | 1,118 |
| Memoranda: | ||
| Average total assets | $53,520,000 | 6,246 |
| Average earning assets | $51,008,000 | 6,155 |
| Average equity | $6,374,500 | 6,054 |
| Average total loans | $24,271,000 | 6,406 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4022% | 5,418 |
| Cost of funding earning assets | 1.1970% | 2,045 |
| Net interest margin | 3.2053% | 6,077 |
| Noninterest income to average assets | 0.5661% | 3,386 |
| Noninterest expense to average assets | 2.9104% | 3,918 |
| Loan and lease loss provision to assets | 0.1715% | 4,489 |
| Net operating income to assets | 0.5623% | 4,177 |
| Return on assets (ROA) | 0.5889% | 4,239 |
| Pretax return on assets | 0.5527% | 4,823 |
| Return on Equity (ROE) | 5.0943% | 4,346 |
| Retained earnings to average equity (ytd only) | 5.0943% | 2,566 |
| Net charge-offs to loans | 0.0491% | 5,819 |
| Credit loss provision to net charge-offs | 750.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 30.5000% | 831 |
| Efficiency ratio | 80.6656% | 2,210 |
| Assets per employee ($millions) | 4.1803% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1012% | 5,805 |
| Loan loss allowance to noncurrent loans | 24.3439% | 6,460 |
| Noncurrent assets plus other real estate owned to assets | 2.0333% | 2,916 |
| Noncurrent loans to loans | 4.5235% | 1,318 |
| Net loans and leases to total assets | 44.4557% | 6,166 |
| Net loans and leases to deposits | 52.2436% | 6,184 |
| Net loans and leases to core deposits | 54.3987% | 6,270 |
| Total domestic deposits to total assets | 85.0931% | 3,790 |
| Equity capital to assets | 11.6719% | 2,360 |
| Core capital (leverage) ratio | 11.2461% | 2,087 |
| Tier 1 risk-based capital ratio | 22.7062% | 1,131 |
| Total risk-based capital ratio | 23.7120% | 1,145 |
| Memoranda: | ||
| Average total assets | $52,467,200 | 6,288 |
| Average earning assets | $49,792,800 | 6,201 |
| Average equity | $6,065,600 | 6,137 |
| Average total loans | $24,430,600 | 6,449 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4803% | 5,309 |
| Cost of funding earning assets | 1.2495% | 2,000 |
| Net interest margin | 3.2308% | 6,078 |
| Noninterest income to average assets | 0.5821% | 3,282 |
| Noninterest expense to average assets | 2.9975% | 3,563 |
| Loan and lease loss provision to assets | 0.1154% | 4,988 |
| Net operating income to assets | 0.5135% | 4,483 |
| Return on assets (ROA) | 0.5487% | 4,510 |
| Pretax return on assets | 0.5616% | 4,929 |
| Return on Equity (ROE) | 4.7585% | 4,636 |
| Retained earnings to average equity (ytd only) | 4.7585% | 3,345 |
| Net charge-offs to loans | 0.0546% | 5,423 |
| Credit loss provision to net charge-offs | 450.0000% | 613 |
| Earnings coverage of net charge-offs (x) | 25.0060% | 1,064 |
| Efficiency ratio | 82.3820% | 1,914 |
| Assets per employee ($millions) | 4.1541% | 3,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 6,618 |
| Loan loss allowance to noncurrent loans | 23.4197% | 6,555 |
| Noncurrent assets plus other real estate owned to assets | 1.7869% | 3,416 |
| Noncurrent loans to loans | 3.8139% | 1,765 |
| Net loans and leases to total assets | 46.4345% | 6,107 |
| Net loans and leases to deposits | 54.4160% | 6,174 |
| Net loans and leases to core deposits | 57.2133% | 6,206 |
| Total domestic deposits to total assets | 85.3323% | 3,596 |
| Equity capital to assets | 11.5457% | 2,640 |
| Core capital (leverage) ratio | 11.1128% | 2,305 |
| Tier 1 risk-based capital ratio | 21.8758% | 1,314 |
| Total risk-based capital ratio | 22.7028% | 1,349 |
| Memoranda: | ||
| Average total assets | $51,998,000 | 6,357 |
| Average earning assets | $49,192,000 | 6,277 |
| Average equity | $5,996,250 | 6,205 |
| Average total loans | $24,431,250 | 6,508 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4623% | 5,477 |
| Cost of funding earning assets | 1.2926% | 1,990 |
| Net interest margin | 3.1697% | 6,240 |
| Noninterest income to average assets | 0.5728% | 3,313 |
| Noninterest expense to average assets | 2.9729% | 3,744 |
| Loan and lease loss provision to assets | 0.1169% | 4,813 |
| Net operating income to assets | 0.4759% | 4,612 |
| Return on assets (ROA) | 0.5299% | 4,520 |
| Pretax return on assets | 0.5377% | 4,941 |
| Return on Equity (ROE) | 4.5972% | 4,649 |
| Retained earnings to average equity (ytd only) | 4.5972% | 3,263 |
| Net charge-offs to loans | 0.0331% | 5,386 |
| Credit loss provision to net charge-offs | 750.0000% | 431 |
| Earnings coverage of net charge-offs (x) | 38.5000% | 762 |
| Efficiency ratio | 83.2061% | 1,927 |
| Assets per employee ($millions) | 4.0661% | 3,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9021% | 6,648 |
| Loan loss allowance to noncurrent loans | 33.0289% | 6,091 |
| Noncurrent assets plus other real estate owned to assets | 1.2429% | 4,412 |
| Noncurrent loans to loans | 2.7314% | 2,664 |
| Net loans and leases to total assets | 45.0954% | 6,344 |
| Net loans and leases to deposits | 51.5584% | 6,498 |
| Net loans and leases to core deposits | 54.8242% | 6,505 |
| Total domestic deposits to total assets | 87.4648% | 2,484 |
| Equity capital to assets | 11.4455% | 2,552 |
| Core capital (leverage) ratio | 11.2027% | 2,112 |
| Tier 1 risk-based capital ratio | 22.7826% | 1,152 |
| Total risk-based capital ratio | 23.6205% | 1,175 |
| Memoranda: | ||
| Average total assets | $51,329,670 | 6,439 |
| Average earning assets | $48,585,000 | 6,350 |
| Average equity | $5,916,670 | 6,255 |
| Average total loans | $24,141,000 | 6,587 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5917% | 4,985 |
| Cost of funding earning assets | 1.3179% | 2,081 |
| Net interest margin | 3.2738% | 5,865 |
| Noninterest income to average assets | 0.5933% | 3,224 |
| Noninterest expense to average assets | 3.0377% | 3,495 |
| Loan and lease loss provision to assets | 0.1187% | 4,527 |
| Net operating income to assets | 0.5221% | 4,395 |
| Return on assets (ROA) | 0.5221% | 4,480 |
| Pretax return on assets | 0.5221% | 4,951 |
| Return on Equity (ROE) | 4.5128% | 4,648 |
| Retained earnings to average equity (ytd only) | 4.5128% | 3,466 |
| Net charge-offs to loans | -0.0165% | 6,511 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5806% | 2,142 |
| Assets per employee ($millions) | 3.1886% | 5,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8683% | 6,781 |
| Loan loss allowance to noncurrent loans | 30.3519% | 6,287 |
| Noncurrent assets plus other real estate owned to assets | 1.3368% | 4,294 |
| Noncurrent loans to loans | 2.8607% | 2,637 |
| Net loans and leases to total assets | 46.3238% | 6,257 |
| Net loans and leases to deposits | 52.7240% | 6,418 |
| Net loans and leases to core deposits | 55.9772% | 6,412 |
| Total domestic deposits to total assets | 87.8609% | 2,454 |
| Equity capital to assets | 11.6020% | 2,192 |
| Core capital (leverage) ratio | 11.6459% | 1,773 |
| Tier 1 risk-based capital ratio | 22.2235% | 1,189 |
| Total risk-based capital ratio | 23.0127% | 1,241 |
| Memoranda: | ||
| Average total assets | $50,565,000 | 6,516 |
| Average earning assets | $47,651,000 | 6,427 |
| Average equity | $5,850,000 | 6,295 |
| Average total loans | $24,184,500 | 6,635 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0349% | 4,391 |
| Cost of funding earning assets | 1.3917% | 3,328 |
| Net interest margin | 3.6433% | 4,606 |
| Noninterest income to average assets | 0.8373% | 2,109 |
| Noninterest expense to average assets | 3.3776% | 2,501 |
| Loan and lease loss provision to assets | 0.1415% | 5,767 |
| Net operating income to assets | 0.6514% | 3,435 |
| Return on assets (ROA) | 0.6581% | 3,542 |
| Pretax return on assets | 0.7029% | 3,966 |
| Return on Equity (ROE) | 4.8384% | 4,142 |
| Retained earnings to average equity (ytd only) | 4.8384% | 2,519 |
| Net charge-offs to loans | 0.1488% | 5,461 |
| Credit loss provision to net charge-offs | 200.0000% | 1,561 |
| Earnings coverage of net charge-offs (x) | 11.8333% | 1,568 |
| Efficiency ratio | 80.1343% | 2,397 |
| Assets per employee ($millions) | 3.1321% | 5,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7787% | 7,018 |
| Loan loss allowance to noncurrent loans | 33.6861% | 6,068 |
| Noncurrent assets plus other real estate owned to assets | 1.1314% | 4,746 |
| Noncurrent loans to loans | 2.3115% | 3,206 |
| Net loans and leases to total assets | 48.5662% | 6,329 |
| Net loans and leases to deposits | 55.5510% | 6,477 |
| Net loans and leases to core deposits | 57.9200% | 6,567 |
| Total domestic deposits to total assets | 87.4264% | 2,597 |
| Equity capital to assets | 11.5359% | 2,232 |
| Core capital (leverage) ratio | 12.1432% | 1,462 |
| Tier 1 risk-based capital ratio | 21.7043% | 1,220 |
| Total risk-based capital ratio | 22.4235% | 1,270 |
| Memoranda: | ||
| Average total assets | $42,397,200 | 6,784 |
| Average earning assets | $39,305,400 | 6,742 |
| Average equity | $5,766,400 | 6,441 |
| Average total loans | $20,158,200 | 6,915 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1704% | 3,984 |
| Cost of funding earning assets | 1.3868% | 3,656 |
| Net interest margin | 3.7836% | 4,041 |
| Noninterest income to average assets | 0.7907% | 2,283 |
| Noninterest expense to average assets | 3.3474% | 2,436 |
| Loan and lease loss provision to assets | 0.1483% | 5,554 |
| Net operating income to assets | 0.7453% | 3,226 |
| Return on assets (ROA) | 0.7545% | 3,354 |
| Pretax return on assets | 0.8105% | 3,865 |
| Return on Equity (ROE) | 5.2983% | 4,144 |
| Retained earnings to average equity (ytd only) | 5.2983% | 2,777 |
| Net charge-offs to loans | 0.1259% | 5,295 |
| Credit loss provision to net charge-offs | 250.0000% | 1,328 |
| Earnings coverage of net charge-offs (x) | 15.9996% | 1,407 |
| Efficiency ratio | 77.9141% | 2,637 |
| Assets per employee ($millions) | 3.0865% | 5,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8939% | 6,763 |
| Loan loss allowance to noncurrent loans | 32.3580% | 6,178 |
| Noncurrent assets plus other real estate owned to assets | 1.2549% | 4,641 |
| Noncurrent loans to loans | 2.7625% | 2,876 |
| Net loans and leases to total assets | 45.0214% | 6,771 |
| Net loans and leases to deposits | 53.5051% | 6,801 |
| Net loans and leases to core deposits | 55.6181% | 6,881 |
| Total domestic deposits to total assets | 84.1440% | 4,038 |
| Equity capital to assets | 12.8170% | 1,671 |
| Core capital (leverage) ratio | 12.5008% | 1,408 |
| Tier 1 risk-based capital ratio | 23.4125% | 1,016 |
| Total risk-based capital ratio | 24.1827% | 1,051 |
| Memoranda: | ||
| Average total assets | $40,468,250 | 6,920 |
| Average earning assets | $37,494,500 | 6,894 |
| Average equity | $5,762,750 | 6,524 |
| Average total loans | $19,065,500 | 7,068 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2142% | 3,878 |
| Cost of funding earning assets | 1.3687% | 4,071 |
| Net interest margin | 3.8455% | 3,689 |
| Noninterest income to average assets | 0.7787% | 2,243 |
| Noninterest expense to average assets | 3.3485% | 2,413 |
| Loan and lease loss provision to assets | 0.1557% | 5,337 |
| Net operating income to assets | 0.7850% | 3,046 |
| Return on assets (ROA) | 0.7943% | 3,145 |
| Pretax return on assets | 0.8877% | 3,548 |
| Return on Equity (ROE) | 5.3631% | 4,104 |
| Retained earnings to average equity (ytd only) | 5.3631% | 2,692 |
| Net charge-offs to loans | 0.0978% | 5,166 |
| Credit loss provision to net charge-offs | 333.3333% | 1,087 |
| Earnings coverage of net charge-offs (x) | 22.1111% | 1,145 |
| Efficiency ratio | 76.4218% | 2,996 |
| Assets per employee ($millions) | 3.8881% | 4,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9377% | 6,636 |
| Loan loss allowance to noncurrent loans | 53.8462% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 0.7903% | 5,532 |
| Noncurrent loans to loans | 1.7414% | 4,073 |
| Net loans and leases to total assets | 44.9578% | 6,857 |
| Net loans and leases to deposits | 52.4667% | 6,952 |
| Net loans and leases to core deposits | 60.6849% | 6,659 |
| Total domestic deposits to total assets | 85.6882% | 3,268 |
| Equity capital to assets | 13.4396% | 1,372 |
| Core capital (leverage) ratio | 15.3785% | 651 |
| Tier 1 risk-based capital ratio | 23.3828% | 1,013 |
| Total risk-based capital ratio | 24.1375% | 1,058 |
| Memoranda: | ||
| Average total assets | $38,525,000 | 7,047 |
| Average earning assets | $36,093,670 | 6,998 |
| Average equity | $5,705,670 | 6,561 |
| Average total loans | $18,410,000 | 7,154 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4757% | 2,707 |
| Cost of funding earning assets | 1.4305% | 3,988 |
| Net interest margin | 4.0452% | 2,673 |
| Noninterest income to average assets | 0.8021% | 2,010 |
| Noninterest expense to average assets | 3.0437% | 3,502 |
| Loan and lease loss provision to assets | 0.1648% | 4,881 |
| Net operating income to assets | 1.0878% | 1,871 |
| Return on assets (ROA) | 1.0878% | 1,951 |
| Pretax return on assets | 1.3845% | 1,822 |
| Return on Equity (ROE) | 6.9663% | 3,359 |
| Retained earnings to average equity (ytd only) | 6.9663% | 2,147 |
| Net charge-offs to loans | -0.0223% | 7,101 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2679% | 5,061 |
| Assets per employee ($millions) | 3.4057% | 5,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 6,552 |
| Loan loss allowance to noncurrent loans | 57.6547% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 0.8195% | 5,514 |
| Noncurrent loans to loans | 1.7028% | 4,190 |
| Net loans and leases to total assets | 47.6524% | 6,708 |
| Net loans and leases to deposits | 57.7230% | 6,636 |
| Net loans and leases to core deposits | 61.3956% | 6,647 |
| Total domestic deposits to total assets | 82.5535% | 4,826 |
| Equity capital to assets | 15.3405% | 798 |
| Core capital (leverage) ratio | 15.4327% | 666 |
| Tier 1 risk-based capital ratio | 26.6743% | 730 |
| Total risk-based capital ratio | 27.5198% | 743 |
| Memoranda: | ||
| Average total assets | $36,403,000 | 7,217 |
| Average earning assets | $34,114,500 | 7,158 |
| Average equity | $5,684,500 | 6,625 |
| Average total loans | $17,910,000 | 7,268 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8232% | 2,560 |
| Cost of funding earning assets | 1.7048% | 4,482 |
| Net interest margin | 4.1184% | 2,371 |
| Noninterest income to average assets | 0.8482% | 2,189 |
| Noninterest expense to average assets | 2.9643% | 4,285 |
| Loan and lease loss provision to assets | 0.1637% | 6,053 |
| Net operating income to assets | 1.2828% | 1,065 |
| Return on assets (ROA) | 1.2828% | 1,121 |
| Pretax return on assets | 1.6459% | 874 |
| Return on Equity (ROE) | 7.9797% | 2,380 |
| Retained earnings to average equity (ytd only) | 6.7207% | 1,060 |
| Net charge-offs to loans | 0.2269% | 5,198 |
| Credit loss provision to net charge-offs | 148.6486% | 3,133 |
| Earnings coverage of net charge-offs (x) | 16.4324% | 1,252 |
| Efficiency ratio | 62.0948% | 6,137 |
| Assets per employee ($millions) | 3.2130% | 5,693 |
| Cash dividends to net income (ytd only)* | 15.7773% | 3,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9050% | 6,789 |
| Loan loss allowance to noncurrent loans | 37.0115% | 5,960 |
| Noncurrent assets plus other real estate owned to assets | 1.2308% | 4,636 |
| Noncurrent loans to loans | 2.4451% | 3,104 |
| Net loans and leases to total assets | 49.8826% | 6,656 |
| Net loans and leases to deposits | 61.2685% | 6,537 |
| Net loans and leases to core deposits | 75.4741% | 6,438 |
| Total domestic deposits to total assets | 81.4164% | 5,188 |
| Equity capital to assets | 15.9070% | 710 |
| Core capital (leverage) ratio | 15.5806% | 682 |
| Tier 1 risk-based capital ratio | 27.2682% | 686 |
| Total risk-based capital ratio | 28.0686% | 699 |
| Memoranda: | ||
| Average total assets | $33,599,400 | 7,345 |
| Average earning assets | $32,027,000 | 7,259 |
| Average equity | $5,401,200 | 6,804 |
| Average total loans | $16,306,400 | 7,391 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8501% | 2,664 |
| Cost of funding earning assets | 1.7419% | 4,686 |
| Net interest margin | 4.1081% | 2,362 |
| Noninterest income to average assets | 0.8563% | 2,173 |
| Noninterest expense to average assets | 2.9550% | 4,225 |
| Loan and lease loss provision to assets | 0.1608% | 5,740 |
| Net operating income to assets | 1.2704% | 1,287 |
| Return on assets (ROA) | 1.2704% | 1,361 |
| Pretax return on assets | 1.6564% | 1,055 |
| Return on Equity (ROE) | 7.8810% | 2,697 |
| Retained earnings to average equity (ytd only) | 6.1852% | 1,855 |
| Net charge-offs to loans | 0.3012% | 4,142 |
| Credit loss provision to net charge-offs | 111.1111% | 4,573 |
| Earnings coverage of net charge-offs (x) | 12.5552% | 1,747 |
| Efficiency ratio | 61.9208% | 6,123 |
| Assets per employee ($millions) | 3.1570% | 5,765 |
| Cash dividends to net income (ytd only)* | 21.5181% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8939% | 6,784 |
| Loan loss allowance to noncurrent loans | 50.3425% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 0.8408% | 5,411 |
| Noncurrent loans to loans | 1.7757% | 3,954 |
| Net loans and leases to total assets | 46.9289% | 7,043 |
| Net loans and leases to deposits | 57.0424% | 7,025 |
| Net loans and leases to core deposits | 70.5742% | 6,934 |
| Total domestic deposits to total assets | 82.2703% | 4,559 |
| Equity capital to assets | 16.0999% | 776 |
| Core capital (leverage) ratio | 15.6514% | 734 |
| Tier 1 risk-based capital ratio | 27.1913% | 732 |
| Total risk-based capital ratio | 27.9356% | 752 |
| Memoranda: | ||
| Average total assets | $33,163,500 | 7,420 |
| Average earning assets | $31,611,250 | 7,345 |
| Average equity | $5,346,000 | 6,890 |
| Average total loans | $15,935,250 | 7,474 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9403% | 2,418 |
| Cost of funding earning assets | 1.7725% | 4,896 |
| Net interest margin | 4.1678% | 2,102 |
| Noninterest income to average assets | 0.8394% | 2,225 |
| Noninterest expense to average assets | 2.7143% | 5,331 |
| Loan and lease loss provision to assets | 0.1532% | 5,541 |
| Net operating income to assets | 1.3970% | 1,035 |
| Return on assets (ROA) | 1.3970% | 1,104 |
| Pretax return on assets | 1.9484% | 635 |
| Return on Equity (ROE) | 8.6621% | 2,494 |
| Retained earnings to average equity (ytd only) | 6.0786% | 1,982 |
| Net charge-offs to loans | 0.6470% | 2,416 |
| Credit loss provision to net charge-offs | 49.0196% | 5,782 |
| Earnings coverage of net charge-offs (x) | 6.7255% | 2,557 |
| Efficiency ratio | 56.3613% | 7,073 |
| Assets per employee ($millions) | 3.3194% | 5,261 |
| Cash dividends to net income (ytd only)* | 29.8246% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7388% | 7,338 |
| Loan loss allowance to noncurrent loans | 49.3671% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 0.7140% | 5,623 |
| Noncurrent loans to loans | 1.4966% | 4,252 |
| Net loans and leases to total assets | 47.3549% | 7,089 |
| Net loans and leases to deposits | 57.9502% | 7,033 |
| Net loans and leases to core deposits | 70.7489% | 6,982 |
| Total domestic deposits to total assets | 81.7166% | 4,812 |
| Equity capital to assets | 16.1294% | 801 |
| Core capital (leverage) ratio | 15.6492% | 794 |
| Tier 1 risk-based capital ratio | 28.2016% | 701 |
| Total risk-based capital ratio | 28.8261% | 723 |
| Memoranda: | ||
| Average total assets | $32,642,330 | 7,502 |
| Average earning assets | $31,143,330 | 7,434 |
| Average equity | $5,264,330 | 6,978 |
| Average total loans | $15,765,670 | 7,549 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9779% | 2,450 |
| Cost of funding earning assets | 1.7908% | 5,159 |
| Net interest margin | 4.1871% | 1,946 |
| Noninterest income to average assets | 0.7662% | 2,499 |
| Noninterest expense to average assets | 2.6941% | 5,038 |
| Loan and lease loss provision to assets | 0.1236% | 5,378 |
| Net operating income to assets | 1.4459% | 1,051 |
| Return on assets (ROA) | 1.4459% | 1,128 |
| Pretax return on assets | 1.9650% | 706 |
| Return on Equity (ROE) | 8.9664% | 2,735 |
| Retained earnings to average equity (ytd only) | 3.7551% | 3,813 |
| Net charge-offs to loans | 1.3477% | 1,048 |
| Credit loss provision to net charge-offs | 18.8679% | 5,085 |
| Earnings coverage of net charge-offs (x) | 3.1887% | 3,256 |
| Efficiency ratio | 56.3307% | 6,923 |
| Assets per employee ($millions) | 3.3325% | 5,245 |
| Cash dividends to net income (ytd only)* | 58.1197% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6418% | 7,584 |
| Loan loss allowance to noncurrent loans | 109.8901% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 6,685 |
| Noncurrent loans to loans | 0.5840% | 5,937 |
| Net loans and leases to total assets | 46.4546% | 7,161 |
| Net loans and leases to deposits | 56.1109% | 7,154 |
| Net loans and leases to core deposits | 70.4931% | 6,993 |
| Total domestic deposits to total assets | 82.7907% | 4,251 |
| Equity capital to assets | 15.8230% | 904 |
| Core capital (leverage) ratio | 16.1659% | 757 |
| Tier 1 risk-based capital ratio | 28.9028% | 697 |
| Total risk-based capital ratio | 29.4617% | 724 |
| Memoranda: | ||
| Average total assets | $32,366,500 | 7,553 |
| Average earning assets | $31,047,500 | 7,474 |
| Average equity | $5,219,500 | 7,048 |
| Average total loans | $15,730,500 | 7,594 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5132% | 2,892 |
| Cost of funding earning assets | 2.2216% | 5,502 |
| Net interest margin | 4.2917% | 2,007 |
| Noninterest income to average assets | 0.8562% | 2,190 |
| Noninterest expense to average assets | 2.9657% | 4,200 |
| Loan and lease loss provision to assets | 0.1199% | 5,831 |
| Net operating income to assets | 1.3754% | 1,290 |
| Return on assets (ROA) | 1.4692% | 1,039 |
| Pretax return on assets | 1.9726% | 655 |
| Return on Equity (ROE) | 8.6614% | 2,774 |
| Retained earnings to average equity (ytd only) | 7.3491% | 1,036 |
| Net charge-offs to loans | 0.1594% | 4,597 |
| Credit loss provision to net charge-offs | 145.8333% | 3,617 |
| Earnings coverage of net charge-offs (x) | 23.9167% | 1,393 |
| Efficiency ratio | 60.1389% | 6,310 |
| Assets per employee ($millions) | 3.4898% | 4,699 |
| Cash dividends to net income (ytd only)* | 15.1515% | 4,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9005% | 6,679 |
| Loan loss allowance to noncurrent loans | 155.4348% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.2929% | 6,417 |
| Noncurrent loans to loans | 0.5793% | 5,631 |
| Net loans and leases to total assets | 50.1051% | 7,019 |
| Net loans and leases to deposits | 61.4823% | 6,991 |
| Net loans and leases to core deposits | 77.3089% | 6,783 |
| Total domestic deposits to total assets | 81.4952% | 4,410 |
| Equity capital to assets | 16.4480% | 848 |
| Core capital (leverage) ratio | 17.5429% | 646 |
| Tier 1 risk-based capital ratio | 28.7494% | 716 |
| Total risk-based capital ratio | 29.5521% | 729 |
| Memoranda: | ||
| Average total assets | $29,200,200 | 7,677 |
| Average earning assets | $27,728,200 | 7,633 |
| Average equity | $4,953,000 | 7,163 |
| Average total loans | $15,055,800 | 7,645 |