Home > Bank @LANTEC > Performance and Condition Ratios
Bank @LANTEC, Performance and Condition Ratios
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7139% | 4,172 |
| Cost of funding earning assets | 0.5262% | 1,895 |
| Net interest margin | 3.1877% | 4,482 |
| Noninterest income to average assets | 0.4285% | 3,690 |
| Noninterest expense to average assets | 3.2486% | 1,689 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.0946% | 5,564 |
| Return on assets (ROA) | 0.0946% | 5,598 |
| Pretax return on assets | 0.1491% | 5,543 |
| Return on Equity (ROE) | 0.8277% | 5,589 |
| Retained earnings to average equity (ytd only) | 0.8277% | 4,995 |
| Net charge-offs to loans | 0.0515% | 3,010 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 3.4792% | 3,659 |
| Efficiency ratio | 95.6122% | 324 |
| Assets per employee ($millions) | 4.2491% | 3,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5762% | 5,571 |
| Loan loss allowance to noncurrent loans | 87.3147% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 0.5494% | 3,090 |
| Noncurrent loans to loans | 0.6599% | 2,877 |
| Net loans and leases to total assets | 82.7836% | 506 |
| Net loans and leases to deposits | 103.6376% | 442 |
| Net loans and leases to core deposits | 105.1388% | 1,188 |
| Total domestic deposits to total assets | 79.8780% | 4,602 |
| Equity capital to assets | 11.6315% | 2,060 |
| Core capital (leverage) ratio | 10.7482% | 2,598 |
| Tier 1 risk-based capital ratio | 16.3185% | 2,422 |
| Total risk-based capital ratio | 17.0484% | 2,558 |
| Memoranda: | ||
| Average total assets | $112,016,000 | 4,129 |
| Average earning assets | $104,337,400 | 4,110 |
| Average equity | $12,806,000 | 4,122 |
| Average total loans | $93,144,600 | 3,516 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7436% | 4,105 |
| Cost of funding earning assets | 0.5222% | 1,926 |
| Net interest margin | 3.2214% | 4,424 |
| Noninterest income to average assets | 0.4626% | 3,471 |
| Noninterest expense to average assets | 3.3059% | 1,550 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0961% | 5,629 |
| Return on assets (ROA) | 0.0961% | 5,679 |
| Pretax return on assets | 0.1566% | 5,617 |
| Return on Equity (ROE) | 0.8441% | 5,658 |
| Retained earnings to average equity (ytd only) | 0.8441% | 5,130 |
| Net charge-offs to loans | 0.0257% | 3,154 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 7.3333% | 2,885 |
| Efficiency ratio | 95.4779% | 333 |
| Assets per employee ($millions) | 4.1754% | 3,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6029% | 5,604 |
| Loan loss allowance to noncurrent loans | 150.5376% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.3300% | 4,079 |
| Noncurrent loans to loans | 0.4005% | 3,838 |
| Net loans and leases to total assets | 81.8949% | 638 |
| Net loans and leases to deposits | 102.3048% | 550 |
| Net loans and leases to core deposits | 104.3786% | 1,314 |
| Total domestic deposits to total assets | 80.0499% | 4,503 |
| Equity capital to assets | 11.4090% | 2,590 |
| Core capital (leverage) ratio | 10.4863% | 3,010 |
| Tier 1 risk-based capital ratio | 16.1921% | 2,546 |
| Total risk-based capital ratio | 16.9617% | 2,684 |
| Memoranda: | ||
| Average total assets | $112,401,000 | 4,152 |
| Average earning assets | $104,673,000 | 4,129 |
| Average equity | $12,795,000 | 4,158 |
| Average total loans | $93,434,250 | 3,523 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7643% | 4,072 |
| Cost of funding earning assets | 0.5153% | 1,979 |
| Net interest margin | 3.2490% | 4,383 |
| Noninterest income to average assets | 0.3705% | 4,099 |
| Noninterest expense to average assets | 3.3396% | 1,507 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0303% | 5,744 |
| Return on assets (ROA) | 0.0303% | 5,775 |
| Pretax return on assets | 0.0517% | 5,758 |
| Return on Equity (ROE) | 0.2662% | 5,772 |
| Retained earnings to average equity (ytd only) | 0.2662% | 5,222 |
| Net charge-offs to loans | 0.0406% | 2,648 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.5263% | 3,400 |
| Efficiency ratio | 98.4769% | 276 |
| Assets per employee ($millions) | 3.7416% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5935% | 5,691 |
| Loan loss allowance to noncurrent loans | 150.2688% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.5693% | 3,314 |
| Noncurrent loans to loans | 0.3950% | 3,948 |
| Net loans and leases to total assets | 83.4108% | 474 |
| Net loans and leases to deposits | 105.6285% | 383 |
| Net loans and leases to core deposits | 107.8044% | 1,045 |
| Total domestic deposits to total assets | 78.9662% | 4,795 |
| Equity capital to assets | 11.3998% | 2,639 |
| Core capital (leverage) ratio | 10.4693% | 3,006 |
| Tier 1 risk-based capital ratio | 15.6310% | 2,812 |
| Total risk-based capital ratio | 16.3772% | 2,949 |
| Memoranda: | ||
| Average total assets | $112,289,330 | 4,181 |
| Average earning assets | $104,402,000 | 4,164 |
| Average equity | $12,772,670 | 4,184 |
| Average total loans | $93,617,330 | 3,530 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7530% | 4,128 |
| Cost of funding earning assets | 0.5126% | 2,001 |
| Net interest margin | 3.2404% | 4,429 |
| Noninterest income to average assets | 0.2422% | 5,004 |
| Noninterest expense to average assets | 3.3336% | 1,519 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0427% | 5,811 |
| Return on assets (ROA) | -0.0427% | 5,832 |
| Pretax return on assets | -0.0748% | 5,849 |
| Return on Equity (ROE) | -0.3761% | 5,840 |
| Retained earnings to average equity (ytd only) | -0.3761% | 5,184 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2951% | 236 |
| Assets per employee ($millions) | 3.5994% | 4,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6239% | 5,712 |
| Loan loss allowance to noncurrent loans | 108.8512% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 0.7152% | 2,923 |
| Noncurrent loans to loans | 0.5731% | 3,474 |
| Net loans and leases to total assets | 82.5123% | 503 |
| Net loans and leases to deposits | 104.6394% | 383 |
| Net loans and leases to core deposits | 106.4986% | 1,050 |
| Total domestic deposits to total assets | 78.8539% | 5,001 |
| Equity capital to assets | 11.4321% | 2,505 |
| Core capital (leverage) ratio | 10.4354% | 3,031 |
| Tier 1 risk-based capital ratio | 15.7144% | 2,818 |
| Total risk-based capital ratio | 16.4951% | 2,979 |
| Memoranda: | ||
| Average total assets | $112,310,000 | 4,218 |
| Average earning assets | $104,556,500 | 4,197 |
| Average equity | $12,761,000 | 4,201 |
| Average total loans | $93,333,000 | 3,547 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8437% | 3,904 |
| Cost of funding earning assets | 0.4673% | 2,460 |
| Net interest margin | 3.3764% | 4,008 |
| Noninterest income to average assets | 0.5160% | 3,223 |
| Noninterest expense to average assets | 3.2031% | 1,966 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2689% | 5,440 |
| Return on assets (ROA) | 0.2689% | 5,519 |
| Pretax return on assets | 0.4463% | 5,235 |
| Return on Equity (ROE) | 2.3486% | 5,487 |
| Retained earnings to average equity (ytd only) | 2.3486% | 4,384 |
| Net charge-offs to loans | 0.0676% | 2,892 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 7.9516% | 3,020 |
| Efficiency ratio | 87.7698% | 849 |
| Assets per employee ($millions) | 4.0371% | 3,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6148% | 5,775 |
| Loan loss allowance to noncurrent loans | 108.8512% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.7033% | 2,941 |
| Noncurrent loans to loans | 0.5648% | 3,482 |
| Net loans and leases to total assets | 82.6635% | 522 |
| Net loans and leases to deposits | 108.0917% | 295 |
| Net loans and leases to core deposits | 110.0431% | 852 |
| Total domestic deposits to total assets | 76.4754% | 5,391 |
| Equity capital to assets | 11.2934% | 2,547 |
| Core capital (leverage) ratio | 10.5594% | 2,871 |
| Tier 1 risk-based capital ratio | 15.5793% | 2,894 |
| Total risk-based capital ratio | 16.3513% | 3,066 |
| Memoranda: | ||
| Average total assets | $110,455,200 | 4,250 |
| Average earning assets | $102,505,400 | 4,223 |
| Average equity | $12,645,600 | 4,197 |
| Average total loans | $91,697,400 | 3,558 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8764% | 3,824 |
| Cost of funding earning assets | 0.4543% | 2,643 |
| Net interest margin | 3.4221% | 3,865 |
| Noninterest income to average assets | 0.5039% | 3,336 |
| Noninterest expense to average assets | 3.1739% | 2,035 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3011% | 5,446 |
| Return on assets (ROA) | 0.3011% | 5,528 |
| Pretax return on assets | 0.5039% | 5,208 |
| Return on Equity (ROE) | 2.6211% | 5,508 |
| Retained earnings to average equity (ytd only) | 2.6211% | 4,541 |
| Net charge-offs to loans | 0.0907% | 2,261 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 6.6939% | 3,014 |
| Efficiency ratio | 86.2991% | 980 |
| Assets per employee ($millions) | 3.8157% | 4,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6306% | 5,852 |
| Loan loss allowance to noncurrent loans | 108.8512% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 0.7184% | 3,111 |
| Noncurrent loans to loans | 0.5794% | 3,594 |
| Net loans and leases to total assets | 82.3054% | 545 |
| Net loans and leases to deposits | 108.3053% | 297 |
| Net loans and leases to core deposits | 110.3124% | 864 |
| Total domestic deposits to total assets | 75.9939% | 5,483 |
| Equity capital to assets | 11.5178% | 2,494 |
| Core capital (leverage) ratio | 10.5175% | 3,026 |
| Tier 1 risk-based capital ratio | 15.7734% | 2,909 |
| Total risk-based capital ratio | 16.5609% | 3,065 |
| Memoranda: | ||
| Average total assets | $109,809,250 | 4,308 |
| Average earning assets | $101,844,750 | 4,288 |
| Average equity | $12,615,500 | 4,249 |
| Average total loans | $91,116,750 | 3,600 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8664% | 3,810 |
| Cost of funding earning assets | 0.4375% | 2,880 |
| Net interest margin | 3.4289% | 3,793 |
| Noninterest income to average assets | 0.4638% | 3,604 |
| Noninterest expense to average assets | 3.2193% | 1,924 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2575% | 5,558 |
| Return on assets (ROA) | 0.2575% | 5,640 |
| Pretax return on assets | 0.4218% | 5,421 |
| Return on Equity (ROE) | 2.2430% | 5,629 |
| Retained earnings to average equity (ytd only) | 2.2430% | 4,592 |
| Net charge-offs to loans | 0.0022% | 3,823 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 231.0000% | 304 |
| Efficiency ratio | 88.4152% | 884 |
| Assets per employee ($millions) | 4.1289% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6797% | 5,858 |
| Loan loss allowance to noncurrent loans | 95.3731% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 0.8271% | 2,905 |
| Noncurrent loans to loans | 0.7127% | 3,351 |
| Net loans and leases to total assets | 83.7549% | 390 |
| Net loans and leases to deposits | 112.3829% | 215 |
| Net loans and leases to core deposits | 114.4872% | 648 |
| Total domestic deposits to total assets | 74.5264% | 5,747 |
| Equity capital to assets | 11.3330% | 2,540 |
| Core capital (leverage) ratio | 10.5337% | 2,910 |
| Tier 1 risk-based capital ratio | 15.0264% | 3,343 |
| Total risk-based capital ratio | 15.8687% | 3,497 |
| Memoranda: | ||
| Average total assets | $109,527,330 | 4,352 |
| Average earning assets | $101,490,330 | 4,331 |
| Average equity | $12,572,330 | 4,277 |
| Average total loans | $90,938,000 | 3,613 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9014% | 3,607 |
| Cost of funding earning assets | 0.4379% | 2,903 |
| Net interest margin | 3.4635% | 3,566 |
| Noninterest income to average assets | 0.4459% | 3,661 |
| Noninterest expense to average assets | 3.2317% | 1,900 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2653% | 5,516 |
| Return on assets (ROA) | 0.2653% | 5,611 |
| Pretax return on assets | 0.4201% | 5,391 |
| Return on Equity (ROE) | 2.2964% | 5,613 |
| Retained earnings to average equity (ytd only) | 2.2964% | 4,543 |
| Net charge-offs to loans | 0.0045% | 3,168 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 114.0000% | 443 |
| Efficiency ratio | 88.4965% | 974 |
| Assets per employee ($millions) | 3.7250% | 4,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7240% | 5,856 |
| Loan loss allowance to noncurrent loans | 281.4978% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.7350% | 3,287 |
| Noncurrent loans to loans | 0.2572% | 4,862 |
| Net loans and leases to total assets | 81.1055% | 558 |
| Net loans and leases to deposits | 107.3674% | 273 |
| Net loans and leases to core deposits | 109.4107% | 777 |
| Total domestic deposits to total assets | 75.5401% | 5,783 |
| Equity capital to assets | 11.6518% | 2,338 |
| Core capital (leverage) ratio | 10.4776% | 2,992 |
| Tier 1 risk-based capital ratio | 15.5011% | 3,144 |
| Total risk-based capital ratio | 16.3792% | 3,286 |
| Memoranda: | ||
| Average total assets | $108,551,000 | 4,398 |
| Average earning assets | $100,476,500 | 4,389 |
| Average equity | $12,541,500 | 4,316 |
| Average total loans | $89,402,500 | 3,660 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9751% | 3,813 |
| Cost of funding earning assets | 0.4575% | 3,098 |
| Net interest margin | 3.5176% | 3,727 |
| Noninterest income to average assets | 0.3409% | 4,666 |
| Noninterest expense to average assets | 3.3527% | 1,796 |
| Loan and lease loss provision to assets | -0.2628% | 6,346 |
| Net operating income to assets | 0.2483% | 5,664 |
| Return on assets (ROA) | 0.2580% | 5,696 |
| Pretax return on assets | 0.5094% | 5,225 |
| Return on Equity (ROE) | 2.2015% | 5,722 |
| Retained earnings to average equity (ytd only) | 2.2015% | 4,680 |
| Net charge-offs to loans | -0.2979% | 6,331 |
| Credit loss provision to net charge-offs | 110.8434% | 2,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5441% | 621 |
| Assets per employee ($millions) | 3.7612% | 4,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7068% | 5,979 |
| Loan loss allowance to noncurrent loans | 95.6652% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 0.9663% | 2,824 |
| Noncurrent loans to loans | 0.7388% | 3,473 |
| Net loans and leases to total assets | 82.4297% | 480 |
| Net loans and leases to deposits | 109.9251% | 236 |
| Net loans and leases to core deposits | 112.3593% | 678 |
| Total domestic deposits to total assets | 74.9872% | 5,864 |
| Equity capital to assets | 11.4562% | 2,470 |
| Core capital (leverage) ratio | 10.6725% | 2,748 |
| Tier 1 risk-based capital ratio | 15.4389% | 3,250 |
| Total risk-based capital ratio | 16.2952% | 3,405 |
| Memoranda: | ||
| Average total assets | $105,019,800 | 4,479 |
| Average earning assets | $96,827,600 | 4,487 |
| Average equity | $12,310,000 | 4,301 |
| Average total loans | $83,588,200 | 3,778 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9492% | 3,969 |
| Cost of funding earning assets | 0.4568% | 3,171 |
| Net interest margin | 3.4925% | 3,865 |
| Noninterest income to average assets | 0.3705% | 4,464 |
| Noninterest expense to average assets | 3.3741% | 1,729 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1308% | 5,977 |
| Return on assets (ROA) | 0.1308% | 6,009 |
| Pretax return on assets | 0.2115% | 5,931 |
| Return on Equity (ROE) | 1.1090% | 6,014 |
| Retained earnings to average equity (ytd only) | 1.1090% | 5,441 |
| Net charge-offs to loans | 0.0424% | 3,654 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 6.3453% | 3,098 |
| Efficiency ratio | 94.1008% | 592 |
| Assets per employee ($millions) | 3.6615% | 4,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7298% | 6,041 |
| Loan loss allowance to noncurrent loans | 59.1874% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 1.3610% | 2,271 |
| Noncurrent loans to loans | 1.2330% | 2,576 |
| Net loans and leases to total assets | 79.3800% | 786 |
| Net loans and leases to deposits | 109.7137% | 228 |
| Net loans and leases to core deposits | 112.6332% | 633 |
| Total domestic deposits to total assets | 72.3520% | 6,148 |
| Equity capital to assets | 11.2204% | 2,737 |
| Core capital (leverage) ratio | 10.5387% | 3,002 |
| Tier 1 risk-based capital ratio | 15.3067% | 3,421 |
| Total risk-based capital ratio | 16.1608% | 3,570 |
| Memoranda: | ||
| Average total assets | $104,005,750 | 4,548 |
| Average earning assets | $95,746,000 | 4,552 |
| Average equity | $12,263,500 | 4,332 |
| Average total loans | $81,847,500 | 3,849 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8985% | 4,141 |
| Cost of funding earning assets | 0.4495% | 3,329 |
| Net interest margin | 3.4490% | 3,982 |
| Noninterest income to average assets | 0.4056% | 4,205 |
| Noninterest expense to average assets | 3.4705% | 1,533 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0705% | 6,096 |
| Return on assets (ROA) | 0.0705% | 6,117 |
| Pretax return on assets | 0.1078% | 6,084 |
| Return on Equity (ROE) | 0.5881% | 6,130 |
| Retained earnings to average equity (ytd only) | 0.5881% | 5,501 |
| Net charge-offs to loans | 0.0526% | 3,213 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.6190% | 3,512 |
| Efficiency ratio | 96.9880% | 510 |
| Assets per employee ($millions) | 3.3964% | 5,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7429% | 6,103 |
| Loan loss allowance to noncurrent loans | 57.5379% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 1.4271% | 2,287 |
| Noncurrent loans to loans | 1.2912% | 2,647 |
| Net loans and leases to total assets | 79.2869% | 769 |
| Net loans and leases to deposits | 108.4524% | 237 |
| Net loans and leases to core deposits | 111.3303% | 634 |
| Total domestic deposits to total assets | 73.1076% | 6,180 |
| Equity capital to assets | 11.2849% | 2,625 |
| Core capital (leverage) ratio | 10.4419% | 3,026 |
| Tier 1 risk-based capital ratio | 14.7944% | 3,756 |
| Total risk-based capital ratio | 15.6433% | 3,933 |
| Memoranda: | ||
| Average total assets | $102,059,330 | 4,636 |
| Average earning assets | $93,882,330 | 4,642 |
| Average equity | $12,243,000 | 4,351 |
| Average total loans | $79,851,330 | 3,914 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9432% | 3,916 |
| Cost of funding earning assets | 0.4499% | 3,433 |
| Net interest margin | 3.4933% | 3,728 |
| Noninterest income to average assets | 0.3443% | 4,620 |
| Noninterest expense to average assets | 3.5039% | 1,480 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0284% | 6,169 |
| Return on assets (ROA) | 0.0284% | 6,187 |
| Pretax return on assets | 0.0486% | 6,158 |
| Return on Equity (ROE) | 0.2289% | 6,197 |
| Retained earnings to average equity (ytd only) | 0.2289% | 5,482 |
| Net charge-offs to loans | 0.0210% | 3,161 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,747 |
| Efficiency ratio | 98.6317% | 518 |
| Assets per employee ($millions) | 3.1861% | 5,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8644% | 5,968 |
| Loan loss allowance to noncurrent loans | 56.4846% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 1.5713% | 2,249 |
| Noncurrent loans to loans | 1.5303% | 2,511 |
| Net loans and leases to total assets | 74.4694% | 1,194 |
| Net loans and leases to deposits | 95.8154% | 668 |
| Net loans and leases to core deposits | 98.0411% | 1,233 |
| Total domestic deposits to total assets | 77.7218% | 5,866 |
| Equity capital to assets | 11.9934% | 1,872 |
| Core capital (leverage) ratio | 11.1155% | 2,286 |
| Tier 1 risk-based capital ratio | 16.4203% | 2,938 |
| Total risk-based capital ratio | 17.3891% | 3,058 |
| Memoranda: | ||
| Average total assets | $98,746,500 | 4,761 |
| Average earning assets | $90,687,000 | 4,759 |
| Average equity | $12,232,000 | 4,385 |
| Average total loans | $76,368,000 | 4,053 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9213% | 4,381 |
| Cost of funding earning assets | 0.5927% | 2,733 |
| Net interest margin | 3.3287% | 4,560 |
| Noninterest income to average assets | 0.6340% | 2,893 |
| Noninterest expense to average assets | 3.5242% | 1,603 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1067% | 6,032 |
| Return on assets (ROA) | 0.1752% | 5,949 |
| Pretax return on assets | 0.2694% | 5,805 |
| Return on Equity (ROE) | 1.4095% | 6,005 |
| Retained earnings to average equity (ytd only) | 1.4095% | 5,190 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5519% | 665 |
| Assets per employee ($millions) | 3.1846% | 5,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8746% | 5,994 |
| Loan loss allowance to noncurrent loans | 55.3156% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 1.7103% | 2,156 |
| Noncurrent loans to loans | 1.5811% | 2,527 |
| Net loans and leases to total assets | 79.0081% | 714 |
| Net loans and leases to deposits | 96.9844% | 670 |
| Net loans and leases to core deposits | 98.9474% | 1,233 |
| Total domestic deposits to total assets | 81.4648% | 5,049 |
| Equity capital to assets | 12.8076% | 1,363 |
| Core capital (leverage) ratio | 11.8284% | 1,734 |
| Tier 1 risk-based capital ratio | 16.2180% | 3,001 |
| Total risk-based capital ratio | 17.1845% | 3,085 |
| Memoranda: | ||
| Average total assets | $98,744,800 | 4,769 |
| Average earning assets | $90,607,200 | 4,754 |
| Average equity | $12,273,800 | 4,399 |
| Average total loans | $72,893,600 | 4,166 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8600% | 4,641 |
| Cost of funding earning assets | 0.6305% | 2,544 |
| Net interest margin | 3.2296% | 4,899 |
| Noninterest income to average assets | 0.7125% | 2,543 |
| Noninterest expense to average assets | 3.4221% | 1,769 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1627% | 6,013 |
| Return on assets (ROA) | 0.2518% | 5,870 |
| Pretax return on assets | 0.3938% | 5,640 |
| Return on Equity (ROE) | 2.0407% | 5,923 |
| Retained earnings to average equity (ytd only) | 2.0407% | 5,106 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0783% | 785 |
| Assets per employee ($millions) | 3.0887% | 5,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9003% | 6,049 |
| Loan loss allowance to noncurrent loans | 51.9501% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 1.8266% | 2,237 |
| Noncurrent loans to loans | 1.7330% | 2,595 |
| Net loans and leases to total assets | 76.5629% | 929 |
| Net loans and leases to deposits | 93.9690% | 832 |
| Net loans and leases to core deposits | 95.8613% | 1,405 |
| Total domestic deposits to total assets | 81.4768% | 5,092 |
| Equity capital to assets | 12.8000% | 1,421 |
| Core capital (leverage) ratio | 11.8732% | 1,754 |
| Tier 1 risk-based capital ratio | 16.4106% | 2,981 |
| Total risk-based capital ratio | 17.3822% | 3,074 |
| Memoranda: | ||
| Average total assets | $99,546,750 | 4,795 |
| Average earning assets | $91,361,500 | 4,778 |
| Average equity | $12,283,250 | 4,437 |
| Average total loans | $72,080,000 | 4,224 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7771% | 4,904 |
| Cost of funding earning assets | 0.6587% | 2,419 |
| Net interest margin | 3.1185% | 5,222 |
| Noninterest income to average assets | 0.7440% | 2,444 |
| Noninterest expense to average assets | 3.3567% | 1,913 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1635% | 5,994 |
| Return on assets (ROA) | 0.2976% | 5,757 |
| Pretax return on assets | 0.4583% | 5,501 |
| Return on Equity (ROE) | 2.4405% | 5,819 |
| Retained earnings to average equity (ytd only) | 2.4405% | 4,748 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0181% | 816 |
| Assets per employee ($millions) | 3.3952% | 5,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9300% | 6,053 |
| Loan loss allowance to noncurrent loans | 55.0413% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 1.7235% | 2,528 |
| Noncurrent loans to loans | 1.6896% | 2,779 |
| Net loans and leases to total assets | 72.0590% | 1,570 |
| Net loans and leases to deposits | 87.8322% | 1,358 |
| Net loans and leases to core deposits | 90.4144% | 1,874 |
| Total domestic deposits to total assets | 82.0416% | 5,047 |
| Equity capital to assets | 12.4933% | 1,576 |
| Core capital (leverage) ratio | 11.4910% | 1,940 |
| Tier 1 risk-based capital ratio | 16.8034% | 2,789 |
| Total risk-based capital ratio | 17.8023% | 2,870 |
| Memoranda: | ||
| Average total assets | $100,812,330 | 4,790 |
| Average earning assets | $92,610,000 | 4,785 |
| Average equity | $12,292,330 | 4,468 |
| Average total loans | $71,448,330 | 4,256 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8147% | 4,775 |
| Cost of funding earning assets | 0.6742% | 2,446 |
| Net interest margin | 3.1405% | 5,124 |
| Noninterest income to average assets | 0.7217% | 2,472 |
| Noninterest expense to average assets | 3.3180% | 2,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1898% | 5,923 |
| Return on assets (ROA) | 0.4550% | 5,055 |
| Pretax return on assets | 0.6981% | 4,591 |
| Return on Equity (ROE) | 3.7760% | 5,206 |
| Retained earnings to average equity (ytd only) | 3.7760% | 3,972 |
| Net charge-offs to loans | -0.0056% | 5,292 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9565% | 987 |
| Assets per employee ($millions) | 3.6397% | 4,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9306% | 6,183 |
| Loan loss allowance to noncurrent loans | 56.6695% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 1.7221% | 2,709 |
| Noncurrent loans to loans | 1.6422% | 3,077 |
| Net loans and leases to total assets | 69.6755% | 1,718 |
| Net loans and leases to deposits | 84.4015% | 1,545 |
| Net loans and leases to core deposits | 86.7717% | 2,035 |
| Total domestic deposits to total assets | 82.5524% | 5,010 |
| Equity capital to assets | 12.0772% | 1,988 |
| Core capital (leverage) ratio | 11.0614% | 2,211 |
| Tier 1 risk-based capital ratio | 16.4184% | 3,054 |
| Total risk-based capital ratio | 17.4011% | 3,136 |
| Memoranda: | ||
| Average total assets | $101,988,000 | 4,810 |
| Average earning assets | $93,742,500 | 4,803 |
| Average equity | $12,288,000 | 4,523 |
| Average total loans | $71,364,500 | 4,298 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9863% | 5,356 |
| Cost of funding earning assets | 0.8286% | 2,433 |
| Net interest margin | 3.1577% | 5,669 |
| Noninterest income to average assets | 0.9604% | 1,664 |
| Noninterest expense to average assets | 3.3277% | 2,259 |
| Loan and lease loss provision to assets | 0.0847% | 4,643 |
| Net operating income to assets | 0.2589% | 5,603 |
| Return on assets (ROA) | 0.2589% | 5,812 |
| Pretax return on assets | 0.4340% | 5,467 |
| Return on Equity (ROE) | 2.2186% | 5,843 |
| Retained earnings to average equity (ytd only) | 2.2186% | 4,677 |
| Net charge-offs to loans | 0.1391% | 4,302 |
| Credit loss provision to net charge-offs | 91.6667% | 3,404 |
| Earnings coverage of net charge-offs (x) | 5.6146% | 2,993 |
| Efficiency ratio | 86.5149% | 1,378 |
| Assets per employee ($millions) | 3.4022% | 5,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 6,168 |
| Loan loss allowance to noncurrent loans | 67.5456% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 1.5275% | 3,090 |
| Noncurrent loans to loans | 1.3877% | 3,520 |
| Net loans and leases to total assets | 68.9649% | 2,040 |
| Net loans and leases to deposits | 83.4339% | 1,823 |
| Net loans and leases to core deposits | 85.7628% | 2,346 |
| Total domestic deposits to total assets | 82.6581% | 4,867 |
| Equity capital to assets | 12.0198% | 2,032 |
| Core capital (leverage) ratio | 10.8785% | 2,361 |
| Tier 1 risk-based capital ratio | 16.3495% | 2,967 |
| Total risk-based capital ratio | 17.3429% | 3,064 |
| Memoranda: | ||
| Average total assets | $103,916,800 | 4,737 |
| Average earning assets | $94,974,400 | 4,729 |
| Average equity | $12,124,800 | 4,543 |
| Average total loans | $69,019,600 | 4,388 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9805% | 5,570 |
| Cost of funding earning assets | 0.8496% | 2,541 |
| Net interest margin | 3.1309% | 5,867 |
| Noninterest income to average assets | 1.0257% | 1,438 |
| Noninterest expense to average assets | 3.2585% | 2,399 |
| Loan and lease loss provision to assets | 0.0537% | 5,075 |
| Net operating income to assets | 0.3615% | 5,399 |
| Return on assets (ROA) | 0.3615% | 5,600 |
| Pretax return on assets | 0.5710% | 5,253 |
| Return on Equity (ROE) | 3.1212% | 5,639 |
| Retained earnings to average equity (ytd only) | 3.1212% | 4,676 |
| Net charge-offs to loans | 0.0584% | 4,846 |
| Credit loss provision to net charge-offs | 140.0000% | 2,063 |
| Earnings coverage of net charge-offs (x) | 16.2995% | 1,701 |
| Efficiency ratio | 83.9145% | 1,597 |
| Assets per employee ($millions) | 3.2898% | 5,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9590% | 6,222 |
| Loan loss allowance to noncurrent loans | 43.8059% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 2.2288% | 2,394 |
| Noncurrent loans to loans | 2.1892% | 2,630 |
| Net loans and leases to total assets | 69.4678% | 2,021 |
| Net loans and leases to deposits | 85.0553% | 1,719 |
| Net loans and leases to core deposits | 87.1833% | 2,318 |
| Total domestic deposits to total assets | 81.6736% | 5,138 |
| Equity capital to assets | 12.0637% | 2,201 |
| Core capital (leverage) ratio | 10.9751% | 2,411 |
| Tier 1 risk-based capital ratio | 16.2328% | 3,143 |
| Total risk-based capital ratio | 17.2400% | 3,234 |
| Memoranda: | ||
| Average total assets | $104,379,750 | 4,764 |
| Average earning assets | $95,262,250 | 4,760 |
| Average equity | $12,089,000 | 4,591 |
| Average total loans | $68,510,750 | 4,447 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9749% | 5,720 |
| Cost of funding earning assets | 0.8796% | 2,563 |
| Net interest margin | 3.0953% | 6,023 |
| Noninterest income to average assets | 0.9755% | 1,529 |
| Noninterest expense to average assets | 3.2402% | 2,462 |
| Loan and lease loss provision to assets | 0.0532% | 5,000 |
| Net operating income to assets | 0.3176% | 5,558 |
| Return on assets (ROA) | 0.3176% | 5,761 |
| Pretax return on assets | 0.5058% | 5,424 |
| Return on Equity (ROE) | 2.7792% | 5,775 |
| Retained earnings to average equity (ytd only) | 2.7792% | 4,771 |
| Net charge-offs to loans | -0.0059% | 6,194 |
| Credit loss provision to net charge-offs | -1,400.0000% | 6,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2853% | 1,503 |
| Assets per employee ($millions) | 3.6251% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 6,181 |
| Loan loss allowance to noncurrent loans | 37.8902% | 5,761 |
| Noncurrent assets plus other real estate owned to assets | 2.5569% | 2,186 |
| Noncurrent loans to loans | 2.6261% | 2,289 |
| Net loans and leases to total assets | 66.6318% | 2,545 |
| Net loans and leases to deposits | 80.8626% | 2,254 |
| Net loans and leases to core deposits | 83.0464% | 2,821 |
| Total domestic deposits to total assets | 82.4013% | 4,983 |
| Equity capital to assets | 11.5603% | 2,534 |
| Core capital (leverage) ratio | 10.7538% | 2,538 |
| Tier 1 risk-based capital ratio | 16.4048% | 2,963 |
| Total risk-based capital ratio | 17.4357% | 3,038 |
| Memoranda: | ||
| Average total assets | $105,178,330 | 4,767 |
| Average earning assets | $95,951,000 | 4,769 |
| Average equity | $12,017,670 | 4,598 |
| Average total loans | $67,503,670 | 4,503 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9599% | 5,883 |
| Cost of funding earning assets | 0.9325% | 2,415 |
| Net interest margin | 3.0274% | 6,233 |
| Noninterest income to average assets | 0.6920% | 2,699 |
| Noninterest expense to average assets | 3.3877% | 2,038 |
| Loan and lease loss provision to assets | 0.0114% | 5,161 |
| Net operating income to assets | 0.0456% | 6,340 |
| Return on assets (ROA) | 0.0456% | 6,458 |
| Pretax return on assets | 0.0456% | 6,459 |
| Return on Equity (ROE) | 0.4017% | 6,463 |
| Retained earnings to average equity (ytd only) | 0.4017% | 5,867 |
| Net charge-offs to loans | -0.0061% | 5,835 |
| Credit loss provision to net charge-offs | -300.0000% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3444% | 617 |
| Assets per employee ($millions) | 3.4086% | 5,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 6,210 |
| Loan loss allowance to noncurrent loans | 38.0179% | 5,733 |
| Noncurrent assets plus other real estate owned to assets | 3.4050% | 1,690 |
| Noncurrent loans to loans | 2.6532% | 2,451 |
| Net loans and leases to total assets | 63.0607% | 3,030 |
| Net loans and leases to deposits | 75.4917% | 2,891 |
| Net loans and leases to core deposits | 77.3135% | 3,424 |
| Total domestic deposits to total assets | 83.5333% | 4,700 |
| Equity capital to assets | 11.3241% | 2,605 |
| Core capital (leverage) ratio | 10.9390% | 2,304 |
| Tier 1 risk-based capital ratio | 16.7718% | 2,773 |
| Total risk-based capital ratio | 17.7613% | 2,872 |
| Memoranda: | ||
| Average total assets | $105,204,000 | 4,805 |
| Average earning assets | $95,660,000 | 4,798 |
| Average equity | $11,950,000 | 4,619 |
| Average total loans | $65,879,500 | 4,593 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1590% | 6,165 |
| Cost of funding earning assets | 1.1339% | 2,444 |
| Net interest margin | 3.0251% | 6,490 |
| Noninterest income to average assets | 3.0099% | 208 |
| Noninterest expense to average assets | 4.7651% | 470 |
| Loan and lease loss provision to assets | 0.6637% | 1,541 |
| Net operating income to assets | 0.2849% | 5,310 |
| Return on assets (ROA) | 0.3228% | 5,329 |
| Pretax return on assets | 0.3275% | 5,481 |
| Return on Equity (ROE) | 2.9198% | 5,319 |
| Retained earnings to average equity (ytd only) | 2.9198% | 4,160 |
| Net charge-offs to loans | 0.7327% | 2,320 |
| Credit loss provision to net charge-offs | 146.0084% | 1,962 |
| Earnings coverage of net charge-offs (x) | 2.0966% | 4,206 |
| Efficiency ratio | 83.0661% | 1,876 |
| Assets per employee ($millions) | 3.3787% | 5,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 6,011 |
| Loan loss allowance to noncurrent loans | 40.7251% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 3.4352% | 1,723 |
| Noncurrent loans to loans | 2.5681% | 2,557 |
| Net loans and leases to total assets | 60.8850% | 3,810 |
| Net loans and leases to deposits | 72.9412% | 3,676 |
| Net loans and leases to core deposits | 74.9321% | 4,113 |
| Total domestic deposits to total assets | 83.4715% | 4,554 |
| Equity capital to assets | 11.3939% | 2,599 |
| Core capital (leverage) ratio | 11.0406% | 2,244 |
| Tier 1 risk-based capital ratio | 17.3773% | 2,430 |
| Total risk-based capital ratio | 18.3941% | 2,500 |
| Memoranda: | ||
| Average total assets | $104,720,600 | 4,765 |
| Average earning assets | $93,748,000 | 4,817 |
| Average equity | $11,576,200 | 4,640 |
| Average total loans | $64,961,000 | 4,677 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1990% | 6,207 |
| Cost of funding earning assets | 1.1765% | 2,473 |
| Net interest margin | 3.0225% | 6,538 |
| Noninterest income to average assets | 0.4405% | 4,362 |
| Noninterest expense to average assets | 3.4849% | 1,978 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.2185% | 6,401 |
| Return on assets (ROA) | -0.1859% | 6,451 |
| Pretax return on assets | -0.2979% | 6,489 |
| Return on Equity (ROE) | -1.6946% | 6,451 |
| Retained earnings to average equity (ytd only) | -1.6946% | 6,259 |
| Net charge-offs to loans | -0.0983% | 7,160 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.6780% | 418 |
| Assets per employee ($millions) | 3.6785% | 4,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8057% | 6,814 |
| Loan loss allowance to noncurrent loans | 24.7296% | 6,499 |
| Noncurrent assets plus other real estate owned to assets | 4.8023% | 1,218 |
| Noncurrent loans to loans | 3.2579% | 2,129 |
| Net loans and leases to total assets | 58.0528% | 4,509 |
| Net loans and leases to deposits | 70.5037% | 4,216 |
| Net loans and leases to core deposits | 72.4121% | 4,660 |
| Total domestic deposits to total assets | 82.3401% | 4,957 |
| Equity capital to assets | 10.7961% | 3,364 |
| Core capital (leverage) ratio | 9.5996% | 3,990 |
| Tier 1 risk-based capital ratio | 15.6059% | 3,330 |
| Total risk-based capital ratio | 16.3828% | 3,556 |
| Memoranda: | ||
| Average total assets | $104,715,750 | 4,797 |
| Average earning assets | $93,385,250 | 4,863 |
| Average equity | $11,486,750 | 4,696 |
| Average total loans | $65,090,000 | 4,711 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2397% | 6,196 |
| Cost of funding earning assets | 1.2144% | 2,478 |
| Net interest margin | 3.0253% | 6,563 |
| Noninterest income to average assets | 0.2864% | 5,590 |
| Noninterest expense to average assets | 3.8266% | 1,312 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.5297% | 6,708 |
| Return on assets (ROA) | -0.4805% | 6,700 |
| Pretax return on assets | -0.7726% | 6,810 |
| Return on Equity (ROE) | -4.3567% | 6,667 |
| Retained earnings to average equity (ytd only) | -4.3567% | 6,508 |
| Net charge-offs to loans | -0.2183% | 7,300 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.1472% | 268 |
| Assets per employee ($millions) | 3.4780% | 4,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7992% | 6,867 |
| Loan loss allowance to noncurrent loans | 29.8922% | 6,265 |
| Noncurrent assets plus other real estate owned to assets | 4.6664% | 1,338 |
| Noncurrent loans to loans | 2.6736% | 2,722 |
| Net loans and leases to total assets | 62.6925% | 3,743 |
| Net loans and leases to deposits | 76.4620% | 3,385 |
| Net loans and leases to core deposits | 78.3457% | 4,015 |
| Total domestic deposits to total assets | 81.9917% | 5,172 |
| Equity capital to assets | 10.9075% | 3,054 |
| Core capital (leverage) ratio | 9.5817% | 3,845 |
| Tier 1 risk-based capital ratio | 14.6264% | 3,710 |
| Total risk-based capital ratio | 15.4088% | 4,025 |
| Memoranda: | ||
| Average total assets | $104,062,000 | 4,855 |
| Average earning assets | $92,554,330 | 4,918 |
| Average equity | $11,476,670 | 4,692 |
| Average total loans | $65,976,000 | 4,732 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2215% | 6,233 |
| Cost of funding earning assets | 1.2712% | 2,356 |
| Net interest margin | 2.9503% | 6,677 |
| Noninterest income to average assets | 0.2502% | 5,900 |
| Noninterest expense to average assets | 3.1600% | 3,026 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.2925% | 6,652 |
| Return on assets (ROA) | -0.1386% | 6,514 |
| Pretax return on assets | -0.1386% | 6,482 |
| Return on Equity (ROE) | -1.2495% | 6,516 |
| Retained earnings to average equity (ytd only) | -1.2495% | 6,034 |
| Net charge-offs to loans | 0.1455% | 3,617 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -3.1667% | 4,992 |
| Efficiency ratio | 109.9329% | 507 |
| Assets per employee ($millions) | 3.7303% | 4,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6500% | 7,145 |
| Loan loss allowance to noncurrent loans | 28.7142% | 6,368 |
| Noncurrent assets plus other real estate owned to assets | 4.7028% | 1,359 |
| Noncurrent loans to loans | 2.2638% | 3,236 |
| Net loans and leases to total assets | 63.0662% | 3,637 |
| Net loans and leases to deposits | 76.9686% | 3,259 |
| Net loans and leases to core deposits | 79.0942% | 3,868 |
| Total domestic deposits to total assets | 81.9376% | 5,342 |
| Equity capital to assets | 11.0035% | 2,685 |
| Core capital (leverage) ratio | 9.9002% | 3,266 |
| Tier 1 risk-based capital ratio | 14.4674% | 3,761 |
| Total risk-based capital ratio | 15.0779% | 4,170 |
| Memoranda: | ||
| Average total assets | $103,922,500 | 4,894 |
| Average earning assets | $92,194,000 | 4,965 |
| Average equity | $11,524,500 | 4,661 |
| Average total loans | $65,993,500 | 4,766 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4812% | 6,441 |
| Cost of funding earning assets | 1.4029% | 3,252 |
| Net interest margin | 3.0783% | 6,579 |
| Noninterest income to average assets | -0.4631% | 7,560 |
| Noninterest expense to average assets | 5.8608% | 247 |
| Loan and lease loss provision to assets | 1.2451% | 1,248 |
| Net operating income to assets | -2.9677% | 7,288 |
| Return on assets (ROA) | -2.9677% | 7,307 |
| Pretax return on assets | -4.7427% | 7,522 |
| Return on Equity (ROE) | -23.0396% | 7,090 |
| Retained earnings to average equity (ytd only) | -23.0396% | 7,068 |
| Net charge-offs to loans | 1.8363% | 1,140 |
| Credit loss provision to net charge-offs | 97.3134% | 4,767 |
| Earnings coverage of net charge-offs (x) | -2.7336% | 6,733 |
| Efficiency ratio | 247.1111% | 52 |
| Assets per employee ($millions) | 3.8295% | 4,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6927% | 7,144 |
| Loan loss allowance to noncurrent loans | 27.8628% | 6,414 |
| Noncurrent assets plus other real estate owned to assets | 4.8783% | 1,328 |
| Noncurrent loans to loans | 2.4861% | 3,038 |
| Net loans and leases to total assets | 63.0866% | 4,049 |
| Net loans and leases to deposits | 77.1895% | 3,642 |
| Net loans and leases to core deposits | 79.3405% | 4,302 |
| Total domestic deposits to total assets | 81.7295% | 5,274 |
| Equity capital to assets | 11.1764% | 2,529 |
| Core capital (leverage) ratio | 10.0102% | 3,081 |
| Tier 1 risk-based capital ratio | 15.1068% | 3,189 |
| Total risk-based capital ratio | 15.7797% | 3,483 |
| Memoranda: | ||
| Average total assets | $104,729,200 | 4,857 |
| Average earning assets | $96,157,400 | 4,818 |
| Average equity | $13,489,800 | 4,262 |
| Average total loans | $72,974,600 | 4,569 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5116% | 6,583 |
| Cost of funding earning assets | 1.4400% | 3,330 |
| Net interest margin | 3.0716% | 6,681 |
| Noninterest income to average assets | 0.4467% | 4,586 |
| Noninterest expense to average assets | 6.6372% | 170 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -3.3820% | 7,500 |
| Return on assets (ROA) | -3.3820% | 7,516 |
| Pretax return on assets | -3.3427% | 7,477 |
| Return on Equity (ROE) | -25.4289% | 7,322 |
| Retained earnings to average equity (ytd only) | -25.4289% | 7,313 |
| Net charge-offs to loans | 0.0677% | 5,835 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -69.3095% | 6,661 |
| Efficiency ratio | 200.7704% | 83 |
| Assets per employee ($millions) | 3.6099% | 4,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6553% | 7,274 |
| Loan loss allowance to noncurrent loans | 102.0270% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 4.0365% | 1,731 |
| Noncurrent loans to loans | 0.6423% | 5,921 |
| Net loans and leases to total assets | 67.9413% | 3,230 |
| Net loans and leases to deposits | 84.6039% | 2,596 |
| Net loans and leases to core deposits | 86.4486% | 3,587 |
| Total domestic deposits to total assets | 80.3051% | 5,610 |
| Equity capital to assets | 11.9087% | 2,218 |
| Core capital (leverage) ratio | 11.7955% | 1,767 |
| Tier 1 risk-based capital ratio | 16.7130% | 2,456 |
| Total risk-based capital ratio | 17.3497% | 2,662 |
| Memoranda: | ||
| Average total assets | $105,062,500 | 4,906 |
| Average earning assets | $97,406,750 | 4,854 |
| Average equity | $13,973,250 | 4,205 |
| Average total loans | $74,797,250 | 4,573 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5571% | 6,569 |
| Cost of funding earning assets | 1.4909% | 3,301 |
| Net interest margin | 3.0662% | 6,690 |
| Noninterest income to average assets | 0.3797% | 5,086 |
| Noninterest expense to average assets | 3.0548% | 3,501 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1147% | 5,818 |
| Return on assets (ROA) | 0.1147% | 5,930 |
| Pretax return on assets | 0.1936% | 5,782 |
| Return on Equity (ROE) | 0.8345% | 5,999 |
| Retained earnings to average equity (ytd only) | 0.8345% | 5,434 |
| Net charge-offs to loans | 0.0861% | 5,279 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 3.1212% | 3,441 |
| Efficiency ratio | 93.3449% | 1,099 |
| Assets per employee ($millions) | 3.4457% | 5,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6257% | 7,378 |
| Loan loss allowance to noncurrent loans | 20.7334% | 6,905 |
| Noncurrent assets plus other real estate owned to assets | 3.9537% | 1,753 |
| Noncurrent loans to loans | 3.0178% | 2,666 |
| Net loans and leases to total assets | 70.3698% | 2,824 |
| Net loans and leases to deposits | 90.0640% | 1,842 |
| Net loans and leases to core deposits | 92.8886% | 2,862 |
| Total domestic deposits to total assets | 78.1331% | 6,241 |
| Equity capital to assets | 14.2264% | 1,095 |
| Core capital (leverage) ratio | 14.1290% | 900 |
| Tier 1 risk-based capital ratio | 19.6287% | 1,576 |
| Total risk-based capital ratio | 20.2453% | 1,686 |
| Memoranda: | ||
| Average total assets | $106,391,000 | 4,903 |
| Average earning assets | $99,538,000 | 4,823 |
| Average equity | $14,618,670 | 4,069 |
| Average total loans | $76,687,670 | 4,548 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6580% | 6,383 |
| Cost of funding earning assets | 1.5395% | 3,331 |
| Net interest margin | 3.1185% | 6,544 |
| Noninterest income to average assets | 0.3670% | 5,208 |
| Noninterest expense to average assets | 3.0324% | 3,554 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1631% | 5,812 |
| Return on assets (ROA) | 0.1631% | 5,941 |
| Pretax return on assets | 0.2632% | 5,705 |
| Return on Equity (ROE) | 1.2075% | 6,061 |
| Retained earnings to average equity (ytd only) | 1.2075% | 5,336 |
| Net charge-offs to loans | 0.1632% | 3,942 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.2188% | 3,432 |
| Efficiency ratio | 91.3386% | 1,326 |
| Assets per employee ($millions) | 3.6683% | 4,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5979% | 7,500 |
| Loan loss allowance to noncurrent loans | 26.1565% | 6,661 |
| Noncurrent assets plus other real estate owned to assets | 3.4113% | 2,076 |
| Noncurrent loans to loans | 2.2858% | 3,407 |
| Net loans and leases to total assets | 71.5788% | 2,556 |
| Net loans and leases to deposits | 90.6339% | 1,812 |
| Net loans and leases to core deposits | 92.9722% | 2,981 |
| Total domestic deposits to total assets | 78.9758% | 6,087 |
| Equity capital to assets | 13.7081% | 1,238 |
| Core capital (leverage) ratio | 13.6862% | 1,033 |
| Tier 1 risk-based capital ratio | 19.1252% | 1,690 |
| Total risk-based capital ratio | 19.7270% | 1,807 |
| Memoranda: | ||
| Average total assets | $107,901,000 | 4,928 |
| Average earning assets | $101,332,000 | 4,840 |
| Average equity | $14,575,000 | 4,104 |
| Average total loans | $78,431,500 | 4,563 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8894% | 6,731 |
| Cost of funding earning assets | 1.9253% | 3,332 |
| Net interest margin | 2.9641% | 6,728 |
| Noninterest income to average assets | 0.5157% | 4,283 |
| Noninterest expense to average assets | 3.0481% | 3,954 |
| Loan and lease loss provision to assets | 0.0613% | 6,952 |
| Net operating income to assets | 0.1669% | 5,006 |
| Return on assets (ROA) | 0.1669% | 5,074 |
| Pretax return on assets | 0.2121% | 4,976 |
| Return on Equity (ROE) | 1.2213% | 5,160 |
| Retained earnings to average equity (ytd only) | 1.2213% | 4,183 |
| Net charge-offs to loans | 0.2847% | 4,852 |
| Credit loss provision to net charge-offs | 27.0833% | 6,913 |
| Earnings coverage of net charge-offs (x) | 1.2083% | 4,917 |
| Efficiency ratio | 91.0588% | 1,631 |
| Assets per employee ($millions) | 3.6473% | 4,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5694% | 7,599 |
| Loan loss allowance to noncurrent loans | 15.3924% | 7,240 |
| Noncurrent assets plus other real estate owned to assets | 2.8624% | 2,453 |
| Noncurrent loans to loans | 3.6993% | 2,033 |
| Net loans and leases to total assets | 72.9309% | 2,523 |
| Net loans and leases to deposits | 92.6195% | 1,799 |
| Net loans and leases to core deposits | 108.8869% | 3,014 |
| Total domestic deposits to total assets | 78.7425% | 6,047 |
| Equity capital to assets | 13.3129% | 1,390 |
| Core capital (leverage) ratio | 13.2669% | 1,171 |
| Tier 1 risk-based capital ratio | 18.2998% | 1,817 |
| Total risk-based capital ratio | 18.8762% | 1,950 |
| Memoranda: | ||
| Average total assets | $106,067,000 | 4,925 |
| Average earning assets | $100,400,400 | 4,836 |
| Average equity | $14,493,200 | 4,149 |
| Average total loans | $84,303,600 | 4,373 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0827% | 6,330 |
| Cost of funding earning assets | 1.9929% | 3,389 |
| Net interest margin | 3.0898% | 6,339 |
| Noninterest income to average assets | 0.5170% | 4,345 |
| Noninterest expense to average assets | 3.0815% | 3,713 |
| Loan and lease loss provision to assets | 0.0393% | 6,969 |
| Net operating income to assets | 0.2027% | 5,145 |
| Return on assets (ROA) | 0.2027% | 5,233 |
| Pretax return on assets | 0.3193% | 5,008 |
| Return on Equity (ROE) | 1.4738% | 5,341 |
| Retained earnings to average equity (ytd only) | 1.4738% | 4,487 |
| Net charge-offs to loans | 0.2704% | 4,349 |
| Credit loss provision to net charge-offs | 17.9191% | 6,587 |
| Earnings coverage of net charge-offs (x) | 1.6358% | 4,566 |
| Efficiency ratio | 88.9134% | 1,784 |
| Assets per employee ($millions) | 3.6234% | 4,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5943% | 7,590 |
| Loan loss allowance to noncurrent loans | 49.5951% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 0.9402% | 5,190 |
| Noncurrent loans to loans | 1.1983% | 4,947 |
| Net loans and leases to total assets | 78.0013% | 1,571 |
| Net loans and leases to deposits | 97.5622% | 1,373 |
| Net loans and leases to core deposits | 113.1507% | 2,919 |
| Total domestic deposits to total assets | 79.9503% | 5,448 |
| Equity capital to assets | 13.8524% | 1,357 |
| Core capital (leverage) ratio | 13.7925% | 1,144 |
| Tier 1 risk-based capital ratio | 18.0541% | 1,972 |
| Total risk-based capital ratio | 18.6649% | 2,099 |
| Memoranda: | ||
| Average total assets | $105,228,750 | 4,982 |
| Average earning assets | $99,551,000 | 4,878 |
| Average equity | $14,474,750 | 4,194 |
| Average total loans | $85,315,000 | 4,389 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1913% | 6,110 |
| Cost of funding earning assets | 2.0576% | 3,486 |
| Net interest margin | 3.1337% | 6,145 |
| Noninterest income to average assets | 0.5224% | 4,252 |
| Noninterest expense to average assets | 3.1364% | 3,555 |
| Loan and lease loss provision to assets | 0.0361% | 6,881 |
| Net operating income to assets | 0.1900% | 5,299 |
| Return on assets (ROA) | 0.1900% | 5,375 |
| Pretax return on assets | 0.3097% | 5,191 |
| Return on Equity (ROE) | 1.3843% | 5,505 |
| Retained earnings to average equity (ytd only) | 1.3843% | 4,569 |
| Net charge-offs to loans | 0.3918% | 3,240 |
| Credit loss provision to net charge-offs | 11.2426% | 6,179 |
| Earnings coverage of net charge-offs (x) | 1.0769% | 4,711 |
| Efficiency ratio | 89.4708% | 1,861 |
| Assets per employee ($millions) | 3.5205% | 4,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5800% | 7,670 |
| Loan loss allowance to noncurrent loans | 54.0873% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 0.8455% | 5,297 |
| Noncurrent loans to loans | 1.0723% | 5,065 |
| Net loans and leases to total assets | 78.3951% | 1,662 |
| Net loans and leases to deposits | 97.9290% | 1,526 |
| Net loans and leases to core deposits | 112.9379% | 3,023 |
| Total domestic deposits to total assets | 80.0530% | 5,461 |
| Equity capital to assets | 13.7253% | 1,415 |
| Core capital (leverage) ratio | 13.6689% | 1,220 |
| Tier 1 risk-based capital ratio | 18.2115% | 1,954 |
| Total risk-based capital ratio | 18.8212% | 2,080 |
| Memoranda: | ||
| Average total assets | $105,278,670 | 5,006 |
| Average earning assets | $99,435,000 | 4,904 |
| Average equity | $14,447,670 | 4,208 |
| Average total loans | $86,269,000 | 4,392 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3288% | 5,762 |
| Cost of funding earning assets | 2.1582% | 3,376 |
| Net interest margin | 3.1707% | 5,951 |
| Noninterest income to average assets | 0.5214% | 4,124 |
| Noninterest expense to average assets | 3.1205% | 3,300 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2550% | 5,470 |
| Return on assets (ROA) | 0.2550% | 5,631 |
| Pretax return on assets | 0.3920% | 5,421 |
| Return on Equity (ROE) | 1.8581% | 5,822 |
| Retained earnings to average equity (ytd only) | 1.8581% | 4,821 |
| Net charge-offs to loans | -0.0501% | 7,699 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2990% | 1,869 |
| Assets per employee ($millions) | 3.2897% | 5,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7435% | 7,330 |
| Loan loss allowance to noncurrent loans | 4,293.3333% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 7,592 |
| Noncurrent loans to loans | 0.0173% | 7,513 |
| Net loans and leases to total assets | 81.6664% | 1,071 |
| Net loans and leases to deposits | 101.9508% | 1,180 |
| Net loans and leases to core deposits | 117.9268% | 2,605 |
| Total domestic deposits to total assets | 80.1037% | 5,329 |
| Equity capital to assets | 13.7379% | 1,452 |
| Core capital (leverage) ratio | 13.6797% | 1,267 |
| Tier 1 risk-based capital ratio | 17.3777% | 2,221 |
| Total risk-based capital ratio | 18.1554% | 2,299 |
| Memoranda: | ||
| Average total assets | $105,110,500 | 5,038 |
| Average earning assets | $99,158,500 | 4,939 |
| Average equity | $14,423,500 | 4,241 |
| Average total loans | $87,763,500 | 4,369 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7720% | 6,531 |
| Cost of funding earning assets | 2.6811% | 3,251 |
| Net interest margin | 3.0909% | 6,671 |
| Noninterest income to average assets | 0.6193% | 3,719 |
| Noninterest expense to average assets | 3.3641% | 2,777 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.0462% | 6,244 |
| Return on assets (ROA) | 0.4819% | 4,637 |
| Pretax return on assets | 0.8245% | 3,979 |
| Return on Equity (ROE) | 3.7003% | 4,946 |
| Retained earnings to average equity (ytd only) | 3.7003% | 2,841 |
| Net charge-offs to loans | 0.0161% | 6,653 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 11.2143% | 2,396 |
| Efficiency ratio | 95.2990% | 1,202 |
| Assets per employee ($millions) | 3.0868% | 5,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7108% | 7,390 |
| Loan loss allowance to noncurrent loans | 518.0328% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 7,111 |
| Noncurrent loans to loans | 0.1372% | 7,001 |
| Net loans and leases to total assets | 84.1162% | 867 |
| Net loans and leases to deposits | 105.1691% | 1,204 |
| Net loans and leases to core deposits | 121.3304% | 2,572 |
| Total domestic deposits to total assets | 79.9819% | 5,031 |
| Equity capital to assets | 13.7065% | 1,537 |
| Core capital (leverage) ratio | 13.6679% | 1,340 |
| Tier 1 risk-based capital ratio | 17.1706% | 2,258 |
| Total risk-based capital ratio | 17.9275% | 2,360 |
| Memoranda: | ||
| Average total assets | $109,151,200 | 4,807 |
| Average earning assets | $102,009,600 | 4,749 |
| Average equity | $14,215,000 | 4,288 |
| Average total loans | $87,018,000 | 4,309 |