Home > Bank of Birmingham > Performance and Condition Ratios
Bank of Birmingham, 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 | 4.4289% | 1,749 |
| Cost of funding earning assets | 0.5197% | 1,941 |
| Net interest margin | 3.9092% | 1,935 |
| Noninterest income to average assets | 0.3886% | 3,972 |
| Noninterest expense to average assets | 2.4190% | 4,248 |
| Loan and lease loss provision to assets | 0.3434% | 501 |
| Net operating income to assets | 0.9279% | 2,691 |
| Return on assets (ROA) | 0.9279% | 2,808 |
| Pretax return on assets | 1.4087% | 1,911 |
| Return on Equity (ROE) | 11.2288% | 1,494 |
| Retained earnings to average equity (ytd only) | 11.2288% | 288 |
| Net charge-offs to loans | 0.3485% | 781 |
| Credit loss provision to net charge-offs | 114.1827% | 2,305 |
| Earnings coverage of net charge-offs (x) | 5.8257% | 3,277 |
| Efficiency ratio | 57.9946% | 4,853 |
| Assets per employee ($millions) | 7.4366% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 4,220 |
| Loan loss allowance to noncurrent loans | 793.6937% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.1148% | 4,854 |
| Noncurrent loans to loans | 0.1280% | 4,722 |
| Net loans and leases to total assets | 88.7935% | 105 |
| Net loans and leases to deposits | 97.7254% | 851 |
| Net loans and leases to core deposits | 120.4765% | 474 |
| Total domestic deposits to total assets | 90.8602% | 323 |
| Equity capital to assets | 8.5433% | 5,240 |
| Core capital (leverage) ratio | 8.1855% | 5,512 |
| Tier 1 risk-based capital ratio | 9.2166% | 5,843 |
| Total risk-based capital ratio | 10.2119% | 5,860 |
| Memoranda: | ||
| Average total assets | $276,640,200 | 2,304 |
| Average earning assets | $267,675,800 | 2,235 |
| Average equity | $22,860,800 | 2,902 |
| Average total loans | $238,728,400 | 1,849 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4090% | 1,836 |
| Cost of funding earning assets | 0.5233% | 1,918 |
| Net interest margin | 3.8857% | 2,024 |
| Noninterest income to average assets | 0.4113% | 3,836 |
| Noninterest expense to average assets | 2.4505% | 4,133 |
| Loan and lease loss provision to assets | 0.4122% | 347 |
| Net operating income to assets | 0.8552% | 3,126 |
| Return on assets (ROA) | 0.8552% | 3,252 |
| Pretax return on assets | 1.3050% | 2,409 |
| Return on Equity (ROE) | 10.4429% | 1,893 |
| Retained earnings to average equity (ytd only) | 10.4429% | 497 |
| Net charge-offs to loans | 0.4759% | 444 |
| Credit loss provision to net charge-offs | 101.4406% | 2,321 |
| Earnings coverage of net charge-offs (x) | 4.2257% | 3,298 |
| Efficiency ratio | 58.7967% | 4,710 |
| Assets per employee ($millions) | 7.7291% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 4,234 |
| Loan loss allowance to noncurrent loans | 834.8684% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.1009% | 5,028 |
| Noncurrent loans to loans | 0.1235% | 4,847 |
| Net loans and leases to total assets | 80.7918% | 785 |
| Net loans and leases to deposits | 88.5411% | 1,946 |
| Net loans and leases to core deposits | 109.6087% | 947 |
| Total domestic deposits to total assets | 91.2478% | 149 |
| Equity capital to assets | 7.9543% | 5,754 |
| Core capital (leverage) ratio | 8.4779% | 5,376 |
| Tier 1 risk-based capital ratio | 9.4884% | 5,879 |
| Total risk-based capital ratio | 10.5055% | 5,903 |
| Memoranda: | ||
| Average total assets | $273,293,000 | 2,341 |
| Average earning assets | $264,210,750 | 2,264 |
| Average equity | $22,381,500 | 2,977 |
| Average total loans | $233,368,000 | 1,884 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4464% | 1,686 |
| Cost of funding earning assets | 0.5433% | 1,754 |
| Net interest margin | 3.9030% | 1,967 |
| Noninterest income to average assets | 0.3190% | 4,496 |
| Noninterest expense to average assets | 2.4932% | 4,048 |
| Loan and lease loss provision to assets | 0.6176% | 181 |
| Net operating income to assets | 0.6442% | 4,074 |
| Return on assets (ROA) | 0.6442% | 4,215 |
| Pretax return on assets | 0.9806% | 3,658 |
| Return on Equity (ROE) | 7.7804% | 3,096 |
| Retained earnings to average equity (ytd only) | 7.7804% | 1,252 |
| Net charge-offs to loans | 0.4818% | 457 |
| Credit loss provision to net charge-offs | 147.6449% | 1,609 |
| Earnings coverage of net charge-offs (x) | 3.8207% | 3,056 |
| Efficiency ratio | 60.9372% | 4,520 |
| Assets per employee ($millions) | 7.0376% | 863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1704% | 3,523 |
| Loan loss allowance to noncurrent loans | 288.0165% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.3527% | 4,078 |
| Noncurrent loans to loans | 0.4064% | 3,901 |
| Net loans and leases to total assets | 85.7736% | 264 |
| Net loans and leases to deposits | 94.2763% | 1,264 |
| Net loans and leases to core deposits | 126.2162% | 368 |
| Total domestic deposits to total assets | 90.9811% | 194 |
| Equity capital to assets | 8.4079% | 5,653 |
| Core capital (leverage) ratio | 8.3724% | 5,468 |
| Tier 1 risk-based capital ratio | 9.4936% | 5,950 |
| Total risk-based capital ratio | 10.6542% | 5,949 |
| Memoranda: | ||
| Average total assets | $263,912,670 | 2,430 |
| Average earning assets | $255,084,670 | 2,344 |
| Average equity | $21,849,670 | 3,025 |
| Average total loans | $229,133,330 | 1,919 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4694% | 1,595 |
| Cost of funding earning assets | 0.5571% | 1,645 |
| Net interest margin | 3.9124% | 1,898 |
| Noninterest income to average assets | 0.3248% | 4,413 |
| Noninterest expense to average assets | 2.5812% | 3,808 |
| Loan and lease loss provision to assets | 0.6341% | 171 |
| Net operating income to assets | 0.5846% | 4,250 |
| Return on assets (ROA) | 0.5846% | 4,367 |
| Pretax return on assets | 0.8893% | 3,889 |
| Return on Equity (ROE) | 7.1200% | 3,389 |
| Retained earnings to average equity (ytd only) | 7.1200% | 1,833 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8862% | 4,314 |
| Assets per employee ($millions) | 7.0156% | 891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 2,946 |
| Loan loss allowance to noncurrent loans | 140.9025% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.7613% | 2,797 |
| Noncurrent loans to loans | 0.9174% | 2,558 |
| Net loans and leases to total assets | 81.9111% | 565 |
| Net loans and leases to deposits | 89.5304% | 1,637 |
| Net loans and leases to core deposits | 126.1856% | 334 |
| Total domestic deposits to total assets | 91.4897% | 157 |
| Equity capital to assets | 7.8959% | 5,861 |
| Core capital (leverage) ratio | 8.1882% | 5,657 |
| Tier 1 risk-based capital ratio | 9.2742% | 6,034 |
| Total risk-based capital ratio | 10.5243% | 6,024 |
| Memoranda: | ||
| Average total assets | $258,635,000 | 2,474 |
| Average earning assets | $249,874,500 | 2,383 |
| Average equity | $21,236,000 | 3,083 |
| Average total loans | $224,595,500 | 1,956 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7264% | 1,056 |
| Cost of funding earning assets | 0.5710% | 1,589 |
| Net interest margin | 4.1554% | 1,268 |
| Noninterest income to average assets | 0.5477% | 3,022 |
| Noninterest expense to average assets | 2.8102% | 3,186 |
| Loan and lease loss provision to assets | 0.2698% | 684 |
| Net operating income to assets | 0.9476% | 2,627 |
| Return on assets (ROA) | 0.9476% | 2,703 |
| Pretax return on assets | 1.4369% | 1,762 |
| Return on Equity (ROE) | 10.9948% | 1,615 |
| Retained earnings to average equity (ytd only) | 10.9948% | 346 |
| Net charge-offs to loans | 0.0705% | 2,836 |
| Credit loss provision to net charge-offs | 426.7606% | 721 |
| Earnings coverage of net charge-offs (x) | 26.9930% | 1,558 |
| Efficiency ratio | 62.2141% | 4,569 |
| Assets per employee ($millions) | 6.5854% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 3,827 |
| Loan loss allowance to noncurrent loans | 121.2194% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 0.8549% | 2,532 |
| Noncurrent loans to loans | 0.9377% | 2,461 |
| Net loans and leases to total assets | 90.1313% | 62 |
| Net loans and leases to deposits | 99.3081% | 731 |
| Net loans and leases to core deposits | 147.1539% | 125 |
| Total domestic deposits to total assets | 90.7593% | 350 |
| Equity capital to assets | 8.5644% | 5,505 |
| Core capital (leverage) ratio | 8.4184% | 5,508 |
| Tier 1 risk-based capital ratio | 9.2000% | 6,085 |
| Total risk-based capital ratio | 10.3225% | 6,089 |
| Memoranda: | ||
| Average total assets | $224,578,200 | 2,708 |
| Average earning assets | $214,518,200 | 2,638 |
| Average equity | $19,354,600 | 3,237 |
| Average total loans | $201,506,400 | 2,056 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7355% | 1,039 |
| Cost of funding earning assets | 0.5712% | 1,618 |
| Net interest margin | 4.1643% | 1,242 |
| Noninterest income to average assets | 0.5593% | 2,988 |
| Noninterest expense to average assets | 2.7811% | 3,269 |
| Loan and lease loss provision to assets | 0.3185% | 442 |
| Net operating income to assets | 0.9317% | 2,796 |
| Return on assets (ROA) | 0.9317% | 2,888 |
| Pretax return on assets | 1.4218% | 1,925 |
| Return on Equity (ROE) | 10.7922% | 1,785 |
| Retained earnings to average equity (ytd only) | 10.7922% | 506 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5106% | 4,645 |
| Assets per employee ($millions) | 6.3632% | 1,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 3,483 |
| Loan loss allowance to noncurrent loans | 115.6013% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.9501% | 2,479 |
| Noncurrent loans to loans | 1.0642% | 2,354 |
| Net loans and leases to total assets | 88.1859% | 126 |
| Net loans and leases to deposits | 97.3846% | 873 |
| Net loans and leases to core deposits | 143.4756% | 147 |
| Total domestic deposits to total assets | 90.5543% | 374 |
| Equity capital to assets | 8.4480% | 5,737 |
| Core capital (leverage) ratio | 8.4551% | 5,586 |
| Tier 1 risk-based capital ratio | 9.1220% | 6,183 |
| Total risk-based capital ratio | 10.3186% | 6,174 |
| Memoranda: | ||
| Average total assets | $219,807,750 | 2,771 |
| Average earning assets | $209,136,750 | 2,707 |
| Average equity | $18,976,250 | 3,300 |
| Average total loans | $196,348,250 | 2,120 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6805% | 1,115 |
| Cost of funding earning assets | 0.5642% | 1,690 |
| Net interest margin | 4.1163% | 1,313 |
| Noninterest income to average assets | 0.7130% | 2,165 |
| Noninterest expense to average assets | 2.7736% | 3,339 |
| Loan and lease loss provision to assets | 0.4893% | 207 |
| Net operating income to assets | 0.9031% | 2,864 |
| Return on assets (ROA) | 0.9031% | 2,982 |
| Pretax return on assets | 1.3737% | 2,091 |
| Return on Equity (ROE) | 10.3794% | 1,904 |
| Retained earnings to average equity (ytd only) | 10.3794% | 609 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8191% | 5,009 |
| Assets per employee ($millions) | 6.1579% | 1,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2749% | 3,371 |
| Loan loss allowance to noncurrent loans | 115.6013% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.9818% | 2,564 |
| Noncurrent loans to loans | 1.1028% | 2,449 |
| Net loans and leases to total assets | 87.8908% | 145 |
| Net loans and leases to deposits | 97.0848% | 868 |
| Net loans and leases to core deposits | 144.0825% | 142 |
| Total domestic deposits to total assets | 90.5299% | 443 |
| Equity capital to assets | 8.4782% | 5,704 |
| Core capital (leverage) ratio | 8.5752% | 5,465 |
| Tier 1 risk-based capital ratio | 9.2444% | 6,232 |
| Total risk-based capital ratio | 10.4935% | 6,213 |
| Memoranda: | ||
| Average total assets | $214,597,000 | 2,842 |
| Average earning assets | $204,552,000 | 2,764 |
| Average equity | $18,671,670 | 3,340 |
| Average total loans | $191,727,330 | 2,166 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7286% | 987 |
| Cost of funding earning assets | 0.5423% | 1,912 |
| Net interest margin | 4.1863% | 1,093 |
| Noninterest income to average assets | 0.4174% | 3,862 |
| Noninterest expense to average assets | 2.7619% | 3,378 |
| Loan and lease loss provision to assets | 0.6635% | 139 |
| Net operating income to assets | 0.6385% | 4,093 |
| Return on assets (ROA) | 0.6385% | 4,215 |
| Pretax return on assets | 0.9713% | 3,599 |
| Return on Equity (ROE) | 7.2375% | 3,375 |
| Retained earnings to average equity (ytd only) | 7.2375% | 1,894 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8171% | 4,649 |
| Assets per employee ($millions) | 5.8083% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 3,587 |
| Loan loss allowance to noncurrent loans | 107.5548% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 1.0698% | 2,475 |
| Noncurrent loans to loans | 1.1799% | 2,414 |
| Net loans and leases to total assets | 89.5179% | 65 |
| Net loans and leases to deposits | 98.9308% | 628 |
| Net loans and leases to core deposits | 143.3016% | 136 |
| Total domestic deposits to total assets | 90.4854% | 535 |
| Equity capital to assets | 8.9412% | 5,361 |
| Core capital (leverage) ratio | 8.6463% | 5,381 |
| Tier 1 risk-based capital ratio | 9.4397% | 6,279 |
| Total risk-based capital ratio | 10.6649% | 6,263 |
| Memoranda: | ||
| Average total assets | $207,974,000 | 2,933 |
| Average earning assets | $197,692,500 | 2,862 |
| Average equity | $18,349,000 | 3,402 |
| Average total loans | $186,171,500 | 2,225 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7847% | 1,143 |
| Cost of funding earning assets | 0.5763% | 1,990 |
| Net interest margin | 4.2084% | 1,277 |
| Noninterest income to average assets | 0.3518% | 4,591 |
| Noninterest expense to average assets | 2.8182% | 3,417 |
| Loan and lease loss provision to assets | 0.0962% | 2,548 |
| Net operating income to assets | 0.8590% | 3,066 |
| Return on assets (ROA) | 0.8590% | 3,164 |
| Pretax return on assets | 1.3096% | 2,208 |
| Return on Equity (ROE) | 10.0084% | 2,121 |
| Retained earnings to average equity (ytd only) | 10.0084% | 517 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7181% | 4,106 |
| Assets per employee ($millions) | 6.0838% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 4,395 |
| Loan loss allowance to noncurrent loans | 1,102.1390% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 5,663 |
| Noncurrent loans to loans | 0.1023% | 5,486 |
| Net loans and leases to total assets | 87.3559% | 144 |
| Net loans and leases to deposits | 96.1957% | 890 |
| Net loans and leases to core deposits | 137.3984% | 181 |
| Total domestic deposits to total assets | 90.8106% | 425 |
| Equity capital to assets | 8.7030% | 5,575 |
| Core capital (leverage) ratio | 8.6069% | 5,439 |
| Tier 1 risk-based capital ratio | 9.3808% | 6,367 |
| Total risk-based capital ratio | 10.4594% | 6,370 |
| Memoranda: | ||
| Average total assets | $199,525,800 | 3,008 |
| Average earning assets | $183,583,800 | 2,996 |
| Average equity | $17,125,600 | 3,508 |
| Average total loans | $167,897,400 | 2,339 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7496% | 1,191 |
| Cost of funding earning assets | 0.5904% | 1,922 |
| Net interest margin | 4.1592% | 1,402 |
| Noninterest income to average assets | 0.3601% | 4,551 |
| Noninterest expense to average assets | 2.8353% | 3,332 |
| Loan and lease loss provision to assets | 0.0169% | 4,075 |
| Net operating income to assets | 0.8579% | 3,136 |
| Return on assets (ROA) | 0.8579% | 3,230 |
| Pretax return on assets | 1.3091% | 2,344 |
| Return on Equity (ROE) | 10.0314% | 2,208 |
| Retained earnings to average equity (ytd only) | 10.0314% | 701 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1361% | 3,832 |
| Assets per employee ($millions) | 6.0147% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 4,700 |
| Loan loss allowance to noncurrent loans | 1,012.8342% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.0914% | 5,797 |
| Noncurrent loans to loans | 0.1096% | 5,603 |
| Net loans and leases to total assets | 82.4742% | 464 |
| Net loans and leases to deposits | 90.6335% | 1,365 |
| Net loans and leases to core deposits | 126.0813% | 283 |
| Total domestic deposits to total assets | 90.9975% | 361 |
| Equity capital to assets | 8.5849% | 5,735 |
| Core capital (leverage) ratio | 8.4891% | 5,670 |
| Tier 1 risk-based capital ratio | 9.5816% | 6,426 |
| Total risk-based capital ratio | 10.6187% | 6,430 |
| Memoranda: | ||
| Average total assets | $197,695,250 | 3,046 |
| Average earning assets | $180,671,750 | 3,048 |
| Average equity | $16,906,500 | 3,554 |
| Average total loans | $164,183,000 | 2,399 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7704% | 1,128 |
| Cost of funding earning assets | 0.5996% | 1,901 |
| Net interest margin | 4.1709% | 1,313 |
| Noninterest income to average assets | 0.3500% | 4,631 |
| Noninterest expense to average assets | 2.8798% | 3,239 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8177% | 3,247 |
| Return on assets (ROA) | 0.8177% | 3,341 |
| Pretax return on assets | 1.2434% | 2,487 |
| Return on Equity (ROE) | 9.5746% | 2,340 |
| Retained earnings to average equity (ytd only) | 9.5746% | 824 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8436% | 3,682 |
| Assets per employee ($millions) | 6.0184% | 1,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1264% | 4,789 |
| Loan loss allowance to noncurrent loans | 973.4375% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 5,868 |
| Noncurrent loans to loans | 0.1157% | 5,668 |
| Net loans and leases to total assets | 80.1754% | 671 |
| Net loans and leases to deposits | 87.8453% | 1,610 |
| Net loans and leases to core deposits | 124.2579% | 298 |
| Total domestic deposits to total assets | 91.2689% | 319 |
| Equity capital to assets | 8.3514% | 5,915 |
| Core capital (leverage) ratio | 8.3624% | 5,785 |
| Tier 1 risk-based capital ratio | 9.6040% | 6,476 |
| Total risk-based capital ratio | 10.6581% | 6,490 |
| Memoranda: | ||
| Average total assets | $195,427,330 | 3,082 |
| Average earning assets | $176,798,000 | 3,117 |
| Average equity | $16,690,000 | 3,583 |
| Average total loans | $162,059,670 | 2,426 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7988% | 1,047 |
| Cost of funding earning assets | 0.5886% | 2,082 |
| Net interest margin | 4.2103% | 1,190 |
| Noninterest income to average assets | 0.4528% | 3,765 |
| Noninterest expense to average assets | 2.9597% | 3,019 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8573% | 2,864 |
| Return on assets (ROA) | 0.8573% | 2,931 |
| Pretax return on assets | 1.3017% | 2,084 |
| Return on Equity (ROE) | 9.9209% | 2,070 |
| Retained earnings to average equity (ytd only) | 9.9209% | 985 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4540% | 3,924 |
| Assets per employee ($millions) | 5.6941% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 4,832 |
| Loan loss allowance to noncurrent loans | 838.1166% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.1152% | 5,904 |
| Noncurrent loans to loans | 0.1381% | 5,687 |
| Net loans and leases to total assets | 82.4156% | 331 |
| Net loans and leases to deposits | 90.5636% | 1,087 |
| Net loans and leases to core deposits | 123.8820% | 261 |
| Total domestic deposits to total assets | 91.0030% | 565 |
| Equity capital to assets | 8.6246% | 5,522 |
| Core capital (leverage) ratio | 8.6749% | 5,421 |
| Tier 1 risk-based capital ratio | 9.8735% | 6,503 |
| Total risk-based capital ratio | 10.9830% | 6,500 |
| Memoranda: | ||
| Average total assets | $190,828,500 | 3,157 |
| Average earning assets | $172,625,500 | 3,186 |
| Average equity | $16,490,500 | 3,624 |
| Average total loans | $160,125,500 | 2,456 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0338% | 860 |
| Cost of funding earning assets | 0.6143% | 2,530 |
| Net interest margin | 4.4194% | 880 |
| Noninterest income to average assets | 0.4545% | 4,061 |
| Noninterest expense to average assets | 3.1844% | 2,466 |
| Loan and lease loss provision to assets | 0.0949% | 3,224 |
| Net operating income to assets | 0.7962% | 3,305 |
| Return on assets (ROA) | 0.7962% | 3,406 |
| Pretax return on assets | 1.2045% | 2,564 |
| Return on Equity (ROE) | 8.6040% | 2,739 |
| Retained earnings to average equity (ytd only) | 8.6040% | 874 |
| Net charge-offs to loans | 0.2379% | 2,552 |
| Credit loss provision to net charge-offs | 47.6190% | 3,871 |
| Earnings coverage of net charge-offs (x) | 6.5179% | 3,048 |
| Efficiency ratio | 71.0202% | 3,665 |
| Assets per employee ($millions) | 5.8768% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 4,775 |
| Loan loss allowance to noncurrent loans | 815.7205% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.1218% | 5,961 |
| Noncurrent loans to loans | 0.1442% | 5,763 |
| Net loans and leases to total assets | 83.4626% | 291 |
| Net loans and leases to deposits | 91.7953% | 1,081 |
| Net loans and leases to core deposits | 124.4669% | 261 |
| Total domestic deposits to total assets | 90.9225% | 604 |
| Equity capital to assets | 8.6590% | 5,412 |
| Core capital (leverage) ratio | 8.4031% | 5,779 |
| Tier 1 risk-based capital ratio | 9.7498% | 6,565 |
| Total risk-based capital ratio | 10.8871% | 6,566 |
| Memoranda: | ||
| Average total assets | $168,541,000 | 3,433 |
| Average earning assets | $153,661,800 | 3,442 |
| Average equity | $15,597,400 | 3,766 |
| Average total loans | $141,256,200 | 2,674 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0354% | 867 |
| Cost of funding earning assets | 0.6087% | 2,743 |
| Net interest margin | 4.4267% | 845 |
| Noninterest income to average assets | 0.4872% | 3,892 |
| Noninterest expense to average assets | 3.1960% | 2,381 |
| Loan and lease loss provision to assets | 0.2281% | 1,587 |
| Net operating income to assets | 0.7332% | 3,682 |
| Return on assets (ROA) | 0.7332% | 3,814 |
| Pretax return on assets | 1.1096% | 3,070 |
| Return on Equity (ROE) | 7.7790% | 3,244 |
| Retained earnings to average equity (ytd only) | 7.7790% | 1,511 |
| Net charge-offs to loans | 0.3264% | 1,912 |
| Credit loss provision to net charge-offs | 83.5821% | 2,761 |
| Earnings coverage of net charge-offs (x) | 4.9014% | 3,332 |
| Efficiency ratio | 70.4942% | 3,674 |
| Assets per employee ($millions) | 5.5175% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 4,318 |
| Loan loss allowance to noncurrent loans | 167.0025% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.6541% | 4,476 |
| Noncurrent loans to loans | 0.7860% | 4,276 |
| Net loans and leases to total assets | 82.1273% | 361 |
| Net loans and leases to deposits | 90.5077% | 1,107 |
| Net loans and leases to core deposits | 122.3330% | 289 |
| Total domestic deposits to total assets | 90.7407% | 639 |
| Equity capital to assets | 8.7035% | 5,515 |
| Core capital (leverage) ratio | 8.7103% | 5,525 |
| Tier 1 risk-based capital ratio | 9.0142% | 6,723 |
| Total risk-based capital ratio | 10.1992% | 6,728 |
| Memoranda: | ||
| Average total assets | $163,661,500 | 3,535 |
| Average earning assets | $149,604,750 | 3,542 |
| Average equity | $15,425,750 | 3,842 |
| Average total loans | $136,863,500 | 2,761 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0481% | 849 |
| Cost of funding earning assets | 0.6041% | 2,902 |
| Net interest margin | 4.4441% | 785 |
| Noninterest income to average assets | 0.4990% | 3,847 |
| Noninterest expense to average assets | 3.2948% | 2,083 |
| Loan and lease loss provision to assets | 0.1270% | 2,731 |
| Net operating income to assets | 0.7669% | 3,484 |
| Return on assets (ROA) | 0.7669% | 3,639 |
| Pretax return on assets | 1.1592% | 2,843 |
| Return on Equity (ROE) | 7.9030% | 3,142 |
| Retained earnings to average equity (ytd only) | 7.9030% | 1,527 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9235% | 3,485 |
| Assets per employee ($millions) | 4.8230% | 2,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5534% | 3,347 |
| Loan loss allowance to noncurrent loans | 292.8962% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.4464% | 5,159 |
| Noncurrent loans to loans | 0.5304% | 4,938 |
| Net loans and leases to total assets | 82.8584% | 299 |
| Net loans and leases to deposits | 92.0218% | 961 |
| Net loans and leases to core deposits | 119.5225% | 326 |
| Total domestic deposits to total assets | 90.0421% | 1,001 |
| Equity capital to assets | 9.4859% | 4,598 |
| Core capital (leverage) ratio | 9.2090% | 4,685 |
| Tier 1 risk-based capital ratio | 9.6072% | 6,708 |
| Total risk-based capital ratio | 10.8589% | 6,688 |
| Memoranda: | ||
| Average total assets | $157,523,000 | 3,653 |
| Average earning assets | $144,687,000 | 3,652 |
| Average equity | $15,285,330 | 3,894 |
| Average total loans | $131,976,670 | 2,844 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0366% | 841 |
| Cost of funding earning assets | 0.6039% | 3,075 |
| Net interest margin | 4.4327% | 759 |
| Noninterest income to average assets | 0.4692% | 3,997 |
| Noninterest expense to average assets | 3.2120% | 2,317 |
| Loan and lease loss provision to assets | 0.0259% | 4,141 |
| Net operating income to assets | 0.8762% | 2,771 |
| Return on assets (ROA) | 0.8762% | 2,919 |
| Pretax return on assets | 1.3222% | 2,153 |
| Return on Equity (ROE) | 8.9238% | 2,518 |
| Retained earnings to average equity (ytd only) | 8.9238% | 1,404 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4377% | 3,901 |
| Assets per employee ($millions) | 5.0448% | 2,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5844% | 3,463 |
| Loan loss allowance to noncurrent loans | 280.6011% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.4681% | 5,213 |
| Noncurrent loans to loans | 0.5647% | 5,026 |
| Net loans and leases to total assets | 81.5800% | 302 |
| Net loans and leases to deposits | 90.8543% | 899 |
| Net loans and leases to core deposits | 119.0795% | 297 |
| Total domestic deposits to total assets | 89.7922% | 1,171 |
| Equity capital to assets | 9.7928% | 4,432 |
| Core capital (leverage) ratio | 9.3606% | 4,303 |
| Tier 1 risk-based capital ratio | 9.8149% | 6,718 |
| Total risk-based capital ratio | 11.0670% | 6,703 |
| Memoranda: | ||
| Average total assets | $154,294,000 | 3,738 |
| Average earning assets | $142,397,000 | 3,723 |
| Average equity | $15,150,500 | 3,964 |
| Average total loans | $128,957,000 | 2,905 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2324% | 1,060 |
| Cost of funding earning assets | 0.6998% | 3,493 |
| Net interest margin | 4.5326% | 886 |
| Noninterest income to average assets | 0.8902% | 1,896 |
| Noninterest expense to average assets | 3.5817% | 1,655 |
| Loan and lease loss provision to assets | 0.3399% | 1,979 |
| Net operating income to assets | 0.8410% | 3,088 |
| Return on assets (ROA) | 0.8410% | 3,344 |
| Pretax return on assets | 1.2633% | 2,550 |
| Return on Equity (ROE) | 8.0644% | 3,056 |
| Retained earnings to average equity (ytd only) | 8.0644% | 1,101 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0795% | 3,962 |
| Assets per employee ($millions) | 4.9096% | 2,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5934% | 3,355 |
| Loan loss allowance to noncurrent loans | 267.5393% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.5020% | 5,218 |
| Noncurrent loans to loans | 0.5956% | 5,032 |
| Net loans and leases to total assets | 82.9400% | 273 |
| Net loans and leases to deposits | 92.5618% | 867 |
| Net loans and leases to core deposits | 119.1304% | 300 |
| Total domestic deposits to total assets | 89.6050% | 1,187 |
| Equity capital to assets | 9.8464% | 4,386 |
| Core capital (leverage) ratio | 9.0294% | 4,850 |
| Tier 1 risk-based capital ratio | 9.8265% | 6,742 |
| Total risk-based capital ratio | 11.0789% | 6,712 |
| Memoranda: | ||
| Average total assets | $138,286,400 | 3,984 |
| Average earning assets | $131,028,800 | 3,874 |
| Average equity | $14,421,400 | 4,082 |
| Average total loans | $115,080,200 | 3,186 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3175% | 975 |
| Cost of funding earning assets | 0.7214% | 3,583 |
| Net interest margin | 4.5961% | 826 |
| Noninterest income to average assets | 0.8773% | 1,919 |
| Noninterest expense to average assets | 3.6555% | 1,444 |
| Loan and lease loss provision to assets | 0.3956% | 1,622 |
| Net operating income to assets | 0.7833% | 3,536 |
| Return on assets (ROA) | 0.7833% | 3,776 |
| Pretax return on assets | 1.1740% | 3,084 |
| Return on Equity (ROE) | 7.3946% | 3,585 |
| Retained earnings to average equity (ytd only) | 7.3946% | 1,899 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9602% | 3,690 |
| Assets per employee ($millions) | 4.9311% | 2,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6667% | 3,271 |
| Loan loss allowance to noncurrent loans | 278.8136% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.4786% | 5,471 |
| Noncurrent loans to loans | 0.5978% | 5,246 |
| Net loans and leases to total assets | 78.7289% | 647 |
| Net loans and leases to deposits | 87.7776% | 1,379 |
| Net loans and leases to core deposits | 111.9585% | 497 |
| Total domestic deposits to total assets | 89.6913% | 1,018 |
| Equity capital to assets | 9.8903% | 4,653 |
| Core capital (leverage) ratio | 9.2003% | 4,760 |
| Tier 1 risk-based capital ratio | 10.0661% | 6,782 |
| Total risk-based capital ratio | 11.3193% | 6,756 |
| Memoranda: | ||
| Average total assets | $134,808,500 | 4,083 |
| Average earning assets | $127,524,250 | 3,988 |
| Average equity | $14,280,250 | 4,147 |
| Average total loans | $111,781,000 | 3,281 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4269% | 825 |
| Cost of funding earning assets | 0.7312% | 3,757 |
| Net interest margin | 4.6957% | 679 |
| Noninterest income to average assets | 0.9062% | 1,762 |
| Noninterest expense to average assets | 3.8242% | 1,174 |
| Loan and lease loss provision to assets | 0.1073% | 4,182 |
| Net operating income to assets | 0.9430% | 2,695 |
| Return on assets (ROA) | 0.9430% | 2,953 |
| Pretax return on assets | 1.4061% | 2,175 |
| Return on Equity (ROE) | 8.6844% | 2,946 |
| Retained earnings to average equity (ytd only) | 8.6844% | 1,385 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6461% | 3,492 |
| Assets per employee ($millions) | 4.4936% | 2,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4539% | 4,234 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 79.9911% | 513 |
| Net loans and leases to deposits | 89.6561% | 1,178 |
| Net loans and leases to core deposits | 112.1410% | 503 |
| Total domestic deposits to total assets | 89.2199% | 1,375 |
| Equity capital to assets | 10.3767% | 3,840 |
| Core capital (leverage) ratio | 9.8168% | 3,691 |
| Tier 1 risk-based capital ratio | 10.6553% | 6,639 |
| Total risk-based capital ratio | 11.9064% | 6,624 |
| Memoranda: | ||
| Average total assets | $130,433,670 | 4,199 |
| Average earning assets | $123,090,670 | 4,098 |
| Average equity | $14,163,330 | 4,167 |
| Average total loans | $109,561,330 | 3,347 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4727% | 793 |
| Cost of funding earning assets | 0.7659% | 3,735 |
| Net interest margin | 4.7068% | 674 |
| Noninterest income to average assets | 1.5302% | 618 |
| Noninterest expense to average assets | 4.2127% | 728 |
| Loan and lease loss provision to assets | 0.0635% | 4,629 |
| Net operating income to assets | 1.1270% | 1,961 |
| Return on assets (ROA) | 1.1270% | 2,150 |
| Pretax return on assets | 1.6826% | 1,352 |
| Return on Equity (ROE) | 10.1302% | 2,350 |
| Retained earnings to average equity (ytd only) | 10.1302% | 1,230 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6979% | 3,679 |
| Assets per employee ($millions) | 4.1332% | 3,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 4,194 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 82.1299% | 275 |
| Net loans and leases to deposits | 92.7874% | 743 |
| Net loans and leases to core deposits | 108.8523% | 577 |
| Total domestic deposits to total assets | 88.5140% | 2,005 |
| Equity capital to assets | 11.0770% | 2,822 |
| Core capital (leverage) ratio | 10.1275% | 3,206 |
| Tier 1 risk-based capital ratio | 10.1929% | 6,831 |
| Total risk-based capital ratio | 11.4436% | 6,829 |
| Memoranda: | ||
| Average total assets | $125,999,000 | 4,325 |
| Average earning assets | $118,552,000 | 4,234 |
| Average equity | $14,017,500 | 4,197 |
| Average total loans | $107,805,000 | 3,413 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5527% | 1,048 |
| Cost of funding earning assets | 1.0669% | 2,904 |
| Net interest margin | 4.4858% | 1,172 |
| Noninterest income to average assets | 1.0327% | 1,278 |
| Noninterest expense to average assets | 4.1046% | 903 |
| Loan and lease loss provision to assets | 0.1969% | 4,218 |
| Net operating income to assets | 3.0408% | 85 |
| Return on assets (ROA) | 3.0408% | 86 |
| Pretax return on assets | 1.0588% | 3,005 |
| Return on Equity (ROE) | 33.2566% | 32 |
| Retained earnings to average equity (ytd only) | 33.2566% | 10 |
| Net charge-offs to loans | 0.1054% | 5,305 |
| Credit loss provision to net charge-offs | 216.6667% | 1,128 |
| Earnings coverage of net charge-offs (x) | 13.8148% | 1,513 |
| Efficiency ratio | 76.5740% | 2,814 |
| Assets per employee ($millions) | 3.4408% | 5,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4469% | 4,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2406% | 6,367 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 86.5510% | 117 |
| Net loans and leases to deposits | 98.0376% | 559 |
| Net loans and leases to core deposits | 108.9445% | 655 |
| Total domestic deposits to total assets | 88.2835% | 1,977 |
| Equity capital to assets | 11.1748% | 2,820 |
| Core capital (leverage) ratio | 9.9383% | 3,408 |
| Tier 1 risk-based capital ratio | 10.7164% | 6,595 |
| Total risk-based capital ratio | 11.9688% | 6,569 |
| Memoranda: | ||
| Average total assets | $118,817,800 | 4,435 |
| Average earning assets | $114,628,200 | 4,267 |
| Average equity | $10,864,000 | 4,814 |
| Average total loans | $102,474,400 | 3,560 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5274% | 1,190 |
| Cost of funding earning assets | 1.1017% | 2,970 |
| Net interest margin | 4.4256% | 1,328 |
| Noninterest income to average assets | 1.0435% | 1,239 |
| Noninterest expense to average assets | 3.9300% | 1,105 |
| Loan and lease loss provision to assets | 0.1803% | 4,225 |
| Net operating income to assets | 1.2340% | 1,560 |
| Return on assets (ROA) | 1.2340% | 1,665 |
| Pretax return on assets | 1.2340% | 2,509 |
| Return on Equity (ROE) | 14.3350% | 971 |
| Retained earnings to average equity (ytd only) | 14.3350% | 278 |
| Net charge-offs to loans | 0.1427% | 4,637 |
| Credit loss provision to net charge-offs | 147.2222% | 2,135 |
| Earnings coverage of net charge-offs (x) | 11.5460% | 1,798 |
| Efficiency ratio | 73.5357% | 3,270 |
| Assets per employee ($millions) | 3.4651% | 5,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4440% | 4,352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 82.0190% | 356 |
| Net loans and leases to deposits | 90.6516% | 1,141 |
| Net loans and leases to core deposits | 100.4349% | 1,204 |
| Total domestic deposits to total assets | 90.4772% | 649 |
| Equity capital to assets | 9.1171% | 5,620 |
| Core capital (leverage) ratio | 9.2237% | 4,583 |
| Tier 1 risk-based capital ratio | 11.0111% | 6,534 |
| Total risk-based capital ratio | 12.2637% | 6,517 |
| Memoranda: | ||
| Average total assets | $117,555,250 | 4,489 |
| Average earning assets | $114,240,750 | 4,301 |
| Average equity | $10,119,500 | 5,006 |
| Average total loans | $100,897,250 | 3,627 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6330% | 1,011 |
| Cost of funding earning assets | 1.1477% | 2,914 |
| Net interest margin | 4.4853% | 1,173 |
| Noninterest income to average assets | 1.0490% | 1,195 |
| Noninterest expense to average assets | 3.7756% | 1,384 |
| Loan and lease loss provision to assets | 0.0938% | 5,156 |
| Net operating income to assets | 1.5370% | 823 |
| Return on assets (ROA) | 1.5370% | 876 |
| Pretax return on assets | 1.5370% | 1,412 |
| Return on Equity (ROE) | 18.2443% | 446 |
| Retained earnings to average equity (ytd only) | 18.2443% | 133 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8362% | 4,146 |
| Assets per employee ($millions) | 3.4884% | 4,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4890% | 4,183 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2513% | 6,502 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 83.7830% | 256 |
| Net loans and leases to deposits | 92.0425% | 1,056 |
| Net loans and leases to core deposits | 98.4456% | 1,472 |
| Total domestic deposits to total assets | 91.0264% | 493 |
| Equity capital to assets | 8.5511% | 6,126 |
| Core capital (leverage) ratio | 8.5415% | 5,489 |
| Tier 1 risk-based capital ratio | 9.9968% | 6,972 |
| Total risk-based capital ratio | 11.2503% | 6,973 |
| Memoranda: | ||
| Average total assets | $115,159,330 | 4,581 |
| Average earning assets | $111,876,330 | 4,389 |
| Average equity | $9,701,670 | 5,122 |
| Average total loans | $99,925,670 | 3,688 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7683% | 781 |
| Cost of funding earning assets | 1.1936% | 2,859 |
| Net interest margin | 4.5748% | 909 |
| Noninterest income to average assets | 1.1495% | 984 |
| Noninterest expense to average assets | 3.6813% | 1,570 |
| Loan and lease loss provision to assets | 0.1375% | 4,291 |
| Net operating income to assets | 1.7772% | 513 |
| Return on assets (ROA) | 1.7772% | 543 |
| Pretax return on assets | 1.7772% | 854 |
| Return on Equity (ROE) | 21.2625% | 278 |
| Retained earnings to average equity (ytd only) | 21.2625% | 150 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7845% | 5,066 |
| Assets per employee ($millions) | 4.3156% | 3,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5142% | 4,139 |
| Loan loss allowance to noncurrent loans | 498.9933% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.2558% | 6,540 |
| Noncurrent loans to loans | 0.3034% | 6,380 |
| Net loans and leases to total assets | 83.0055% | 276 |
| Net loans and leases to deposits | 90.9517% | 1,129 |
| Net loans and leases to core deposits | 97.6575% | 1,553 |
| Total domestic deposits to total assets | 91.2633% | 506 |
| Equity capital to assets | 8.3531% | 6,100 |
| Core capital (leverage) ratio | 8.3342% | 5,740 |
| Tier 1 risk-based capital ratio | 10.0769% | 6,978 |
| Total risk-based capital ratio | 11.3306% | 6,976 |
| Memoranda: | ||
| Average total assets | $113,437,000 | 4,657 |
| Average earning assets | $110,257,000 | 4,462 |
| Average equity | $9,481,500 | 5,184 |
| Average total loans | $99,452,500 | 3,738 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6609% | 1,713 |
| Cost of funding earning assets | 1.3219% | 3,740 |
| Net interest margin | 4.3390% | 1,683 |
| Noninterest income to average assets | 0.1364% | 6,709 |
| Noninterest expense to average assets | 3.1428% | 3,301 |
| Loan and lease loss provision to assets | 0.5667% | 2,860 |
| Net operating income to assets | 0.6202% | 3,583 |
| Return on assets (ROA) | 0.6202% | 3,749 |
| Pretax return on assets | 0.6202% | 4,260 |
| Return on Equity (ROE) | 7.3345% | 2,958 |
| Retained earnings to average equity (ytd only) | 7.3345% | 1,195 |
| Net charge-offs to loans | 0.3548% | 4,246 |
| Credit loss provision to net charge-offs | 185.6250% | 1,772 |
| Earnings coverage of net charge-offs (x) | 3.8875% | 3,144 |
| Efficiency ratio | 72.5870% | 3,683 |
| Assets per employee ($millions) | 4.0872% | 3,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 4,334 |
| Loan loss allowance to noncurrent loans | 485.9060% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.2700% | 6,574 |
| Noncurrent loans to loans | 0.2959% | 6,466 |
| Net loans and leases to total assets | 89.9396% | 58 |
| Net loans and leases to deposits | 100.1483% | 568 |
| Net loans and leases to core deposits | 105.7887% | 1,204 |
| Total domestic deposits to total assets | 89.8064% | 1,206 |
| Equity capital to assets | 8.3640% | 6,052 |
| Core capital (leverage) ratio | 8.1451% | 5,918 |
| Tier 1 risk-based capital ratio | 9.3107% | 7,181 |
| Total risk-based capital ratio | 10.5637% | 7,185 |
| Memoranda: | ||
| Average total assets | $104,811,000 | 4,855 |
| Average earning assets | $101,291,600 | 4,691 |
| Average equity | $8,862,200 | 5,460 |
| Average total loans | $90,199,600 | 4,048 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5871% | 2,110 |
| Cost of funding earning assets | 1.3527% | 3,879 |
| Net interest margin | 4.2344% | 2,092 |
| Noninterest income to average assets | 0.1302% | 6,905 |
| Noninterest expense to average assets | 3.0230% | 3,664 |
| Loan and lease loss provision to assets | 0.7026% | 2,181 |
| Net operating income to assets | 0.4925% | 4,347 |
| Return on assets (ROA) | 0.4925% | 4,547 |
| Pretax return on assets | 0.4925% | 4,951 |
| Return on Equity (ROE) | 5.8074% | 3,899 |
| Retained earnings to average equity (ytd only) | 5.8074% | 2,472 |
| Net charge-offs to loans | 0.4491% | 3,508 |
| Credit loss provision to net charge-offs | 184.7458% | 1,961 |
| Earnings coverage of net charge-offs (x) | 3.1424% | 3,570 |
| Efficiency ratio | 71.6687% | 3,765 |
| Assets per employee ($millions) | 4.8372% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5103% | 3,914 |
| Loan loss allowance to noncurrent loans | 5,696.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.2903% | 6,640 |
| Noncurrent loans to loans | 0.0265% | 7,193 |
| Net loans and leases to total assets | 83.4652% | 369 |
| Net loans and leases to deposits | 91.0991% | 1,559 |
| Net loans and leases to core deposits | 101.0457% | 1,743 |
| Total domestic deposits to total assets | 91.6202% | 273 |
| Equity capital to assets | 8.0895% | 6,722 |
| Core capital (leverage) ratio | 8.1912% | 6,055 |
| Tier 1 risk-based capital ratio | 9.5742% | 7,234 |
| Total risk-based capital ratio | 10.8282% | 7,226 |
| Memoranda: | ||
| Average total assets | $103,425,250 | 4,952 |
| Average earning assets | $99,846,250 | 4,783 |
| Average equity | $8,770,250 | 5,562 |
| Average total loans | $87,574,500 | 4,180 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5112% | 2,469 |
| Cost of funding earning assets | 1.3901% | 3,938 |
| Net interest margin | 4.1211% | 2,464 |
| Noninterest income to average assets | 0.1488% | 6,824 |
| Noninterest expense to average assets | 3.0452% | 3,536 |
| Loan and lease loss provision to assets | 0.5733% | 2,481 |
| Net operating income to assets | 0.5059% | 4,300 |
| Return on assets (ROA) | 0.5059% | 4,446 |
| Pretax return on assets | 0.5059% | 4,884 |
| Return on Equity (ROE) | 5.8663% | 3,865 |
| Retained earnings to average equity (ytd only) | 5.8663% | 2,409 |
| Net charge-offs to loans | 0.6937% | 2,481 |
| Credit loss provision to net charge-offs | 97.6351% | 4,193 |
| Earnings coverage of net charge-offs (x) | 1.8378% | 4,142 |
| Efficiency ratio | 73.8336% | 3,503 |
| Assets per employee ($millions) | 5.2853% | 1,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 4,963 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 80.2209% | 763 |
| Net loans and leases to deposits | 87.4576% | 2,269 |
| Net loans and leases to core deposits | 93.6956% | 2,766 |
| Total domestic deposits to total assets | 91.7255% | 285 |
| Equity capital to assets | 7.9745% | 6,778 |
| Core capital (leverage) ratio | 8.5297% | 5,357 |
| Tier 1 risk-based capital ratio | 9.7737% | 7,151 |
| Total risk-based capital ratio | 11.0241% | 7,130 |
| Memoranda: | ||
| Average total assets | $100,815,000 | 5,054 |
| Average earning assets | $97,256,670 | 4,899 |
| Average equity | $8,693,670 | 5,587 |
| Average total loans | $85,338,000 | 4,278 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4963% | 2,590 |
| Cost of funding earning assets | 1.4077% | 4,127 |
| Net interest margin | 4.0885% | 2,488 |
| Noninterest income to average assets | 0.1462% | 6,929 |
| Noninterest expense to average assets | 3.3261% | 2,447 |
| Loan and lease loss provision to assets | 0.4680% | 2,629 |
| Net operating income to assets | 0.2841% | 5,354 |
| Return on assets (ROA) | 0.2841% | 5,486 |
| Pretax return on assets | 0.2841% | 5,651 |
| Return on Equity (ROE) | 3.1573% | 5,273 |
| Retained earnings to average equity (ytd only) | 3.1573% | 4,253 |
| Net charge-offs to loans | 0.1496% | 4,037 |
| Credit loss provision to net charge-offs | 361.2903% | 1,123 |
| Earnings coverage of net charge-offs (x) | 5.8065% | 2,332 |
| Efficiency ratio | 81.5574% | 2,344 |
| Assets per employee ($millions) | 5.2006% | 1,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4567% | 4,144 |
| Loan loss allowance to noncurrent loans | 627.5000% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.2024% | 6,958 |
| Noncurrent loans to loans | 0.2321% | 6,874 |
| Net loans and leases to total assets | 85.9196% | 218 |
| Net loans and leases to deposits | 94.5086% | 1,294 |
| Net loans and leases to core deposits | 101.7693% | 1,938 |
| Total domestic deposits to total assets | 90.9119% | 579 |
| Equity capital to assets | 8.7531% | 5,645 |
| Core capital (leverage) ratio | 8.7632% | 4,916 |
| Tier 1 risk-based capital ratio | 10.0367% | 7,004 |
| Total risk-based capital ratio | 11.2889% | 6,997 |
| Memoranda: | ||
| Average total assets | $95,727,000 | 5,269 |
| Average earning assets | $92,062,000 | 5,102 |
| Average equity | $8,615,000 | 5,657 |
| Average total loans | $82,904,500 | 4,412 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2871% | 5,247 |
| Cost of funding earning assets | 1.7628% | 4,187 |
| Net interest margin | 3.5243% | 4,844 |
| Noninterest income to average assets | 0.1101% | 7,213 |
| Noninterest expense to average assets | 4.9534% | 536 |
| Loan and lease loss provision to assets | 0.6007% | 3,389 |
| Net operating income to assets | -2.0762% | 7,124 |
| Return on assets (ROA) | -2.0725% | 7,118 |
| Pretax return on assets | -2.0725% | 6,967 |
| Return on Equity (ROE) | -19.7340% | 7,133 |
| Retained earnings to average equity (ytd only) | -19.7340% | 7,097 |
| Net charge-offs to loans | 0.0243% | 6,898 |
| Credit loss provision to net charge-offs | 3,000.0000% | 114 |
| Earnings coverage of net charge-offs (x) | -73.6875% | 7,220 |
| Efficiency ratio | 142.4253% | 366 |
| Assets per employee ($millions) | 4.4116% | 3,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4738% | 3,865 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 84.7144% | 375 |
| Net loans and leases to deposits | 93.8118% | 1,615 |
| Net loans and leases to core deposits | 152.6204% | 446 |
| Total domestic deposits to total assets | 90.3026% | 835 |
| Equity capital to assets | 9.2624% | 4,752 |
| Core capital (leverage) ratio | 9.4339% | 3,798 |
| Tier 1 risk-based capital ratio | 10.7231% | 6,182 |
| Total risk-based capital ratio | 11.9881% | 6,146 |
| Memoranda: | ||
| Average total assets | $79,904,000 | 5,734 |
| Average earning assets | $76,355,400 | 5,589 |
| Average equity | $8,391,600 | 5,808 |
| Average total loans | $65,975,400 | 5,018 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2724% | 5,559 |
| Cost of funding earning assets | 1.8303% | 4,232 |
| Net interest margin | 3.4421% | 5,103 |
| Noninterest income to average assets | 0.1199% | 7,291 |
| Noninterest expense to average assets | 4.3413% | 868 |
| Loan and lease loss provision to assets | 0.3128% | 4,471 |
| Net operating income to assets | -1.2495% | 6,987 |
| Return on assets (ROA) | -1.2443% | 6,991 |
| Pretax return on assets | -1.2443% | 6,835 |
| Return on Equity (ROE) | -11.4407% | 6,985 |
| Retained earnings to average equity (ytd only) | -11.4407% | 6,912 |
| Net charge-offs to loans | 0.0384% | 6,372 |
| Credit loss provision to net charge-offs | 1,000.0000% | 370 |
| Earnings coverage of net charge-offs (x) | -29.9438% | 6,949 |
| Efficiency ratio | 127.5140% | 497 |
| Assets per employee ($millions) | 3.7642% | 4,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 4,553 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 80.4379% | 1,099 |
| Net loans and leases to deposits | 89.3163% | 2,715 |
| Net loans and leases to core deposits | 129.8119% | 1,446 |
| Total domestic deposits to total assets | 90.0595% | 745 |
| Equity capital to assets | 9.6953% | 4,504 |
| Core capital (leverage) ratio | 9.3474% | 4,118 |
| Tier 1 risk-based capital ratio | 11.7189% | 5,225 |
| Total risk-based capital ratio | 12.9840% | 5,157 |
| Memoranda: | ||
| Average total assets | $76,719,250 | 5,854 |
| Average earning assets | $73,209,250 | 5,747 |
| Average equity | $8,344,250 | 5,870 |
| Average total loans | $62,555,250 | 5,187 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1218% | 6,345 |
| Cost of funding earning assets | 1.8768% | 4,385 |
| Net interest margin | 3.2450% | 5,753 |
| Noninterest income to average assets | 0.1178% | 7,398 |
| Noninterest expense to average assets | 4.5201% | 764 |
| Loan and lease loss provision to assets | 0.3963% | 3,541 |
| Net operating income to assets | -1.7058% | 7,327 |
| Return on assets (ROA) | -1.6977% | 7,319 |
| Pretax return on assets | -1.6977% | 7,169 |
| Return on Equity (ROE) | -15.0071% | 7,327 |
| Retained earnings to average equity (ytd only) | -15.0071% | 7,236 |
| Net charge-offs to loans | 0.0591% | 5,670 |
| Credit loss provision to net charge-offs | 822.2222% | 573 |
| Earnings coverage of net charge-offs (x) | -27.1667% | 6,577 |
| Efficiency ratio | 140.7840% | 422 |
| Assets per employee ($millions) | 4.4057% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 4,507 |
| Loan loss allowance to noncurrent loans | 102.8152% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.9760% | 5,023 |
| Noncurrent loans to loans | 1.2300% | 4,751 |
| Net loans and leases to total assets | 78.3485% | 1,672 |
| Net loans and leases to deposits | 87.0068% | 3,358 |
| Net loans and leases to core deposits | 126.5856% | 1,810 |
| Total domestic deposits to total assets | 90.0487% | 811 |
| Equity capital to assets | 9.6598% | 4,414 |
| Core capital (leverage) ratio | 10.5206% | 2,794 |
| Tier 1 risk-based capital ratio | 11.7870% | 5,114 |
| Total risk-based capital ratio | 13.0245% | 5,044 |
| Memoranda: | ||
| Average total assets | $74,688,000 | 5,960 |
| Average earning assets | $71,186,000 | 5,846 |
| Average equity | $8,449,330 | 5,865 |
| Average total loans | $60,912,000 | 5,291 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2848% | 5,952 |
| Cost of funding earning assets | 2.0312% | 3,981 |
| Net interest margin | 3.2536% | 5,681 |
| Noninterest income to average assets | 0.1311% | 7,353 |
| Noninterest expense to average assets | 4.5028% | 705 |
| Loan and lease loss provision to assets | 0.1881% | 4,560 |
| Net operating income to assets | -1.4648% | 7,481 |
| Return on assets (ROA) | -1.4591% | 7,491 |
| Pretax return on assets | -1.4591% | 7,350 |
| Return on Equity (ROE) | -11.8642% | 7,464 |
| Retained earnings to average equity (ytd only) | -11.8642% | 7,256 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.5760% | 413 |
| Assets per employee ($millions) | 3.6522% | 4,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 4,444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 80.4009% | 1,315 |
| Net loans and leases to deposits | 91.2818% | 2,732 |
| Net loans and leases to core deposits | 127.7223% | 1,804 |
| Total domestic deposits to total assets | 88.0798% | 1,715 |
| Equity capital to assets | 11.6437% | 2,482 |
| Core capital (leverage) ratio | 11.9729% | 1,911 |
| Tier 1 risk-based capital ratio | 13.7878% | 3,703 |
| Total risk-based capital ratio | 15.0104% | 3,635 |
| Memoranda: | ||
| Average total assets | $70,178,000 | 6,109 |
| Average earning assets | $66,757,500 | 6,012 |
| Average equity | $8,631,000 | 5,837 |
| Average total loans | $58,156,000 | 5,443 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9119% | 5,978 |
| Cost of funding earning assets | 2.4758% | 4,332 |
| Net interest margin | 3.4361% | 5,523 |
| Noninterest income to average assets | 0.1581% | 7,293 |
| Noninterest expense to average assets | 5.1088% | 595 |
| Loan and lease loss provision to assets | 0.6390% | 2,277 |
| Net operating income to assets | -2.3863% | 7,677 |
| Return on assets (ROA) | -2.3547% | 7,635 |
| Pretax return on assets | -2.3547% | 7,544 |
| Return on Equity (ROE) | -15.2278% | 7,601 |
| Retained earnings to average equity (ytd only) | -15.2278% | 7,475 |
| Net charge-offs to loans | 0.4819% | 2,427 |
| Credit loss provision to net charge-offs | 164.1026% | 3,141 |
| Earnings coverage of net charge-offs (x) | -4.4872% | 6,819 |
| Efficiency ratio | 151.9802% | 341 |
| Assets per employee ($millions) | 3.7396% | 4,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 4,156 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 83.3893% | 976 |
| Net loans and leases to deposits | 96.2499% | 2,408 |
| Net loans and leases to core deposits | 150.4570% | 840 |
| Total domestic deposits to total assets | 86.6383% | 2,122 |
| Equity capital to assets | 13.0096% | 1,780 |
| Core capital (leverage) ratio | 12.8171% | 1,611 |
| Tier 1 risk-based capital ratio | 14.9770% | 3,059 |
| Total risk-based capital ratio | 16.2085% | 2,981 |
| Memoranda: | ||
| Average total assets | $60,092,200 | 6,381 |
| Average earning assets | $56,022,200 | 6,335 |
| Average equity | $9,292,200 | 5,640 |
| Average total loans | $48,555,800 | 5,754 |