Home > Bank of Ringgold > Performance and Condition Ratios
Bank of Ringgold, Performance and Condition Ratios
| 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 | 2.4629% | 6,008 |
| Cost of funding earning assets | 0.1823% | 5,425 |
| Net interest margin | 2.2806% | 5,954 |
| Noninterest income to average assets | 0.4762% | 3,490 |
| Noninterest expense to average assets | 3.3838% | 1,517 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.5050% | 6,045 |
| Return on assets (ROA) | -0.4462% | 6,039 |
| Pretax return on assets | -0.7252% | 6,073 |
| Return on Equity (ROE) | -2.7794% | 6,003 |
| Retained earnings to average equity (ytd only) | -3.0188% | 5,823 |
| Net charge-offs to loans | 0.0593% | 3,035 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -54.3333% | 4,451 |
| Efficiency ratio | 131.8359% | 64 |
| Assets per employee ($millions) | 3.2912% | 5,165 |
| Cash dividends to net income (ytd only)* | -8.6142% | 6,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9433% | 236 |
| Loan loss allowance to noncurrent loans | 375.4098% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.2181% | 4,724 |
| Noncurrent loans to loans | 0.7840% | 2,824 |
| Net loans and leases to total assets | 26.9937% | 5,958 |
| Net loans and leases to deposits | 32.7685% | 5,960 |
| Net loans and leases to core deposits | 35.5741% | 5,929 |
| Total domestic deposits to total assets | 82.3771% | 4,060 |
| Equity capital to assets | 16.5469% | 461 |
| Core capital (leverage) ratio | 16.7999% | 390 |
| Tier 1 risk-based capital ratio | 56.7906% | 96 |
| Total risk-based capital ratio | 58.0561% | 97 |
| Memoranda: | ||
| Average total assets | $59,843,400 | 5,325 |
| Average earning assets | $54,853,000 | 5,325 |
| Average equity | $9,606,400 | 4,726 |
| Average total loans | $15,184,200 | 5,889 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4498% | 6,106 |
| Cost of funding earning assets | 0.1816% | 5,536 |
| Net interest margin | 2.2681% | 6,051 |
| Noninterest income to average assets | 0.4560% | 3,669 |
| Noninterest expense to average assets | 2.9311% | 2,739 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.3946% | 6,114 |
| Return on assets (ROA) | -0.2653% | 6,088 |
| Pretax return on assets | -0.2653% | 6,075 |
| Return on Equity (ROE) | -1.6643% | 6,051 |
| Retained earnings to average equity (ytd only) | -1.6643% | 5,821 |
| Net charge-offs to loans | 0.0618% | 2,707 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -25.7224% | 4,157 |
| Efficiency ratio | 115.5575% | 111 |
| Assets per employee ($millions) | 3.1894% | 5,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0695% | 227 |
| Loan loss allowance to noncurrent loans | 258.4270% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.3101% | 4,524 |
| Noncurrent loans to loans | 1.1878% | 2,148 |
| Net loans and leases to total assets | 25.3022% | 6,070 |
| Net loans and leases to deposits | 30.6585% | 6,068 |
| Net loans and leases to core deposits | 33.3954% | 6,055 |
| Total domestic deposits to total assets | 82.5292% | 3,978 |
| Equity capital to assets | 16.6504% | 474 |
| Core capital (leverage) ratio | 16.7346% | 403 |
| Tier 1 risk-based capital ratio | 55.0071% | 114 |
| Total risk-based capital ratio | 56.2737% | 112 |
| Memoranda: | ||
| Average total assets | $60,816,750 | 5,372 |
| Average earning assets | $55,786,000 | 5,367 |
| Average equity | $9,693,500 | 4,772 |
| Average total loans | $15,090,000 | 5,970 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4357% | 6,183 |
| Cost of funding earning assets | 0.1795% | 5,620 |
| Net interest margin | 2.2562% | 6,123 |
| Noninterest income to average assets | 0.4552% | 3,659 |
| Noninterest expense to average assets | 2.4148% | 4,498 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0733% | 5,908 |
| Return on assets (ROA) | 0.1969% | 5,763 |
| Pretax return on assets | 0.2970% | 5,668 |
| Return on Equity (ROE) | 1.2528% | 5,845 |
| Retained earnings to average equity (ytd only) | 1.2528% | 5,052 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6522% | 449 |
| Assets per employee ($millions) | 3.2117% | 5,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1546% | 231 |
| Loan loss allowance to noncurrent loans | 315.5405% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 4,844 |
| Noncurrent loans to loans | 0.9997% | 2,643 |
| Net loans and leases to total assets | 24.7998% | 6,148 |
| Net loans and leases to deposits | 30.0831% | 6,143 |
| Net loans and leases to core deposits | 32.5641% | 6,130 |
| Total domestic deposits to total assets | 82.4376% | 4,141 |
| Equity capital to assets | 16.7183% | 445 |
| Core capital (leverage) ratio | 16.8623% | 378 |
| Tier 1 risk-based capital ratio | 55.3539% | 121 |
| Total risk-based capital ratio | 56.6162% | 117 |
| Memoranda: | ||
| Average total assets | $61,952,330 | 5,394 |
| Average earning assets | $56,820,330 | 5,399 |
| Average equity | $9,738,330 | 4,799 |
| Average total loans | $15,124,670 | 6,029 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3761% | 6,266 |
| Cost of funding earning assets | 0.1697% | 5,771 |
| Net interest margin | 2.2064% | 6,204 |
| Noninterest income to average assets | 0.4311% | 3,758 |
| Noninterest expense to average assets | 2.2617% | 4,967 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1328% | 5,823 |
| Return on assets (ROA) | 0.2374% | 5,685 |
| Pretax return on assets | 0.3561% | 5,527 |
| Return on Equity (ROE) | 1.5550% | 5,790 |
| Retained earnings to average equity (ytd only) | 1.5550% | 4,853 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8782% | 723 |
| Assets per employee ($millions) | 3.5587% | 4,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0770% | 278 |
| Loan loss allowance to noncurrent loans | 555.9524% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 5,431 |
| Noncurrent loans to loans | 0.5535% | 3,922 |
| Net loans and leases to total assets | 22.9639% | 6,235 |
| Net loans and leases to deposits | 29.9629% | 6,197 |
| Net loans and leases to core deposits | 32.3546% | 6,180 |
| Total domestic deposits to total assets | 76.6411% | 5,672 |
| Equity capital to assets | 15.3004% | 658 |
| Core capital (leverage) ratio | 15.3005% | 566 |
| Tier 1 risk-based capital ratio | 55.1484% | 121 |
| Total risk-based capital ratio | 56.4145% | 121 |
| Memoranda: | ||
| Average total assets | $64,023,000 | 5,396 |
| Average earning assets | $58,919,500 | 5,390 |
| Average equity | $9,775,000 | 4,831 |
| Average total loans | $15,285,000 | 6,076 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5285% | 6,323 |
| Cost of funding earning assets | 0.1945% | 5,789 |
| Net interest margin | 2.3340% | 6,256 |
| Noninterest income to average assets | 0.7491% | 2,077 |
| Noninterest expense to average assets | 2.5977% | 4,230 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0216% | 6,063 |
| Return on assets (ROA) | 0.0216% | 6,085 |
| Pretax return on assets | 0.2826% | 5,735 |
| Return on Equity (ROE) | 0.1450% | 6,093 |
| Retained earnings to average equity (ytd only) | -0.0932% | 5,782 |
| Net charge-offs to loans | -0.0195% | 5,694 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1877% | 833 |
| Assets per employee ($millions) | 3.5549% | 4,811 |
| Cash dividends to net income (ytd only)* | 164.2857% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0338% | 289 |
| Loan loss allowance to noncurrent loans | 197.8814% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.3688% | 4,587 |
| Noncurrent loans to loans | 1.5332% | 1,915 |
| Net loans and leases to total assets | 23.3259% | 6,326 |
| Net loans and leases to deposits | 30.4413% | 6,287 |
| Net loans and leases to core deposits | 32.8730% | 6,263 |
| Total domestic deposits to total assets | 76.6257% | 5,652 |
| Equity capital to assets | 15.2354% | 660 |
| Core capital (leverage) ratio | 15.1355% | 587 |
| Tier 1 risk-based capital ratio | 48.2605% | 145 |
| Total risk-based capital ratio | 49.5247% | 145 |
| Memoranda: | ||
| Average total assets | $64,748,600 | 5,426 |
| Average earning assets | $59,125,400 | 5,421 |
| Average equity | $9,657,600 | 4,827 |
| Average total loans | $15,418,000 | 6,151 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4737% | 6,414 |
| Cost of funding earning assets | 0.1981% | 5,846 |
| Net interest margin | 2.2756% | 6,348 |
| Noninterest income to average assets | 0.8480% | 1,709 |
| Noninterest expense to average assets | 2.3632% | 4,933 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3696% | 5,368 |
| Return on assets (ROA) | 0.3696% | 5,441 |
| Pretax return on assets | 0.5605% | 5,155 |
| Return on Equity (ROE) | 2.4909% | 5,707 |
| Retained earnings to average equity (ytd only) | 2.4909% | 4,802 |
| Net charge-offs to loans | -0.0259% | 5,693 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8287% | 1,784 |
| Assets per employee ($millions) | 3.5765% | 4,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1522% | 307 |
| Loan loss allowance to noncurrent loans | 211.3122% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.3433% | 4,900 |
| Noncurrent loans to loans | 1.4917% | 2,178 |
| Net loans and leases to total assets | 22.2875% | 6,416 |
| Net loans and leases to deposits | 29.1668% | 6,380 |
| Net loans and leases to core deposits | 32.1964% | 6,357 |
| Total domestic deposits to total assets | 76.4139% | 5,763 |
| Equity capital to assets | 15.0830% | 721 |
| Core capital (leverage) ratio | 15.2888% | 579 |
| Tier 1 risk-based capital ratio | 46.4486% | 163 |
| Total risk-based capital ratio | 47.7118% | 162 |
| Memoranda: | ||
| Average total assets | $64,938,500 | 5,483 |
| Average earning assets | $59,235,250 | 5,475 |
| Average equity | $9,634,750 | 4,868 |
| Average total loans | $15,424,250 | 6,219 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4232% | 6,499 |
| Cost of funding earning assets | 0.2019% | 5,894 |
| Net interest margin | 2.2213% | 6,441 |
| Noninterest income to average assets | 1.0595% | 1,061 |
| Noninterest expense to average assets | 2.3524% | 5,015 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4852% | 4,866 |
| Return on assets (ROA) | 0.4852% | 4,939 |
| Pretax return on assets | 0.7340% | 4,524 |
| Return on Equity (ROE) | 3.2884% | 5,433 |
| Retained earnings to average equity (ytd only) | 3.2884% | 4,110 |
| Net charge-offs to loans | -0.0512% | 5,886 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2189% | 2,587 |
| Assets per employee ($millions) | 3.6268% | 4,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2046% | 304 |
| Loan loss allowance to noncurrent loans | 1,733.3333% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 6,078 |
| Noncurrent loans to loans | 0.1849% | 5,457 |
| Net loans and leases to total assets | 21.6534% | 6,489 |
| Net loans and leases to deposits | 28.3565% | 6,454 |
| Net loans and leases to core deposits | 31.2570% | 6,429 |
| Total domestic deposits to total assets | 76.3614% | 5,872 |
| Equity capital to assets | 14.9105% | 720 |
| Core capital (leverage) ratio | 15.1801% | 577 |
| Tier 1 risk-based capital ratio | 47.0124% | 152 |
| Total risk-based capital ratio | 48.2751% | 151 |
| Memoranda: | ||
| Average total assets | $65,125,670 | 5,526 |
| Average earning assets | $59,425,330 | 5,521 |
| Average equity | $9,609,670 | 4,888 |
| Average total loans | $15,627,330 | 6,267 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2351% | 6,616 |
| Cost of funding earning assets | 0.2020% | 5,975 |
| Net interest margin | 2.0331% | 6,581 |
| Noninterest income to average assets | 0.4735% | 3,611 |
| Noninterest expense to average assets | 2.3183% | 5,148 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0123% | 6,192 |
| Return on assets (ROA) | 0.0123% | 6,211 |
| Pretax return on assets | 0.0123% | 6,202 |
| Return on Equity (ROE) | 0.0838% | 6,219 |
| Retained earnings to average equity (ytd only) | 0.0838% | 5,525 |
| Net charge-offs to loans | 0.0248% | 3,076 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 2,971 |
| Efficiency ratio | 99.4723% | 481 |
| Assets per employee ($millions) | 3.6695% | 4,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8563% | 505 |
| Loan loss allowance to noncurrent loans | 2,204.7619% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.6964% | 4,022 |
| Noncurrent loans to loans | 0.1295% | 5,719 |
| Net loans and leases to total assets | 23.8407% | 6,511 |
| Net loans and leases to deposits | 30.9311% | 6,462 |
| Net loans and leases to core deposits | 34.2140% | 6,406 |
| Total domestic deposits to total assets | 77.0768% | 5,957 |
| Equity capital to assets | 14.4510% | 802 |
| Core capital (leverage) ratio | 14.9991% | 606 |
| Tier 1 risk-based capital ratio | 42.9094% | 199 |
| Total risk-based capital ratio | 44.1669% | 197 |
| Memoranda: | ||
| Average total assets | $65,047,000 | 5,591 |
| Average earning assets | $59,415,500 | 5,574 |
| Average equity | $9,547,500 | 4,927 |
| Average total loans | $16,139,000 | 6,300 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3811% | 6,653 |
| Cost of funding earning assets | 0.2123% | 6,219 |
| Net interest margin | 2.1688% | 6,592 |
| Noninterest income to average assets | 0.5123% | 3,684 |
| Noninterest expense to average assets | 2.5449% | 4,627 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1090% | 6,026 |
| Return on assets (ROA) | 0.1090% | 6,080 |
| Pretax return on assets | -0.0343% | 6,256 |
| Return on Equity (ROE) | 0.7518% | 6,122 |
| Retained earnings to average equity (ytd only) | 0.5149% | 5,608 |
| Net charge-offs to loans | 0.0952% | 3,893 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -1.3529% | 5,288 |
| Efficiency ratio | 101.3682% | 440 |
| Assets per employee ($millions) | 3.5579% | 4,788 |
| Cash dividends to net income (ytd only)* | 31.5068% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8877% | 531 |
| Loan loss allowance to noncurrent loans | 1,450.0000% | 388 |
| Noncurrent assets plus other real estate owned to assets | 1.4131% | 2,627 |
| Noncurrent loans to loans | 0.1992% | 5,591 |
| Net loans and leases to total assets | 24.3649% | 6,597 |
| Net loans and leases to deposits | 31.7684% | 6,543 |
| Net loans and leases to core deposits | 35.5963% | 6,483 |
| Total domestic deposits to total assets | 76.6953% | 6,026 |
| Equity capital to assets | 14.9119% | 686 |
| Core capital (leverage) ratio | 14.9337% | 612 |
| Tier 1 risk-based capital ratio | 44.6341% | 171 |
| Total risk-based capital ratio | 45.8930% | 171 |
| Memoranda: | ||
| Average total assets | $66,958,200 | 5,568 |
| Average earning assets | $61,693,200 | 5,546 |
| Average equity | $9,710,400 | 4,918 |
| Average total loans | $17,849,400 | 6,292 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4572% | 6,709 |
| Cost of funding earning assets | 0.2110% | 6,347 |
| Net interest margin | 2.2463% | 6,621 |
| Noninterest income to average assets | 0.5141% | 3,711 |
| Noninterest expense to average assets | 2.2495% | 5,478 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2246% | 5,855 |
| Return on assets (ROA) | 0.2246% | 5,933 |
| Pretax return on assets | 0.3408% | 5,771 |
| Return on Equity (ROE) | 1.5589% | 6,051 |
| Retained earnings to average equity (ytd only) | 1.5589% | 5,348 |
| Net charge-offs to loans | 0.0437% | 4,284 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 28.8325% | 1,269 |
| Efficiency ratio | 86.8441% | 1,279 |
| Assets per employee ($millions) | 3.7358% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6404% | 796 |
| Loan loss allowance to noncurrent loans | 59.3009% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 1.1912% | 3,272 |
| Noncurrent loans to loans | 4.4525% | 735 |
| Net loans and leases to total assets | 26.0465% | 6,648 |
| Net loans and leases to deposits | 33.7274% | 6,576 |
| Net loans and leases to core deposits | 37.5423% | 6,517 |
| Total domestic deposits to total assets | 77.2266% | 6,015 |
| Equity capital to assets | 14.5438% | 813 |
| Core capital (leverage) ratio | 14.6871% | 694 |
| Tier 1 risk-based capital ratio | 43.0829% | 200 |
| Total risk-based capital ratio | 44.3422% | 201 |
| Memoranda: | ||
| Average total assets | $67,687,000 | 5,604 |
| Average earning assets | $62,561,750 | 5,577 |
| Average equity | $9,750,500 | 4,963 |
| Average total loans | $18,294,750 | 6,344 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5015% | 6,733 |
| Cost of funding earning assets | 0.2106% | 6,424 |
| Net interest margin | 2.2909% | 6,626 |
| Noninterest income to average assets | 0.4570% | 4,115 |
| Noninterest expense to average assets | 2.2761% | 5,429 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1975% | 5,898 |
| Return on assets (ROA) | 0.1975% | 6,024 |
| Pretax return on assets | 0.2978% | 5,881 |
| Return on Equity (ROE) | 1.3757% | 6,127 |
| Retained earnings to average equity (ytd only) | 1.3757% | 5,334 |
| Net charge-offs to loans | 0.0652% | 3,769 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 16.8333% | 1,637 |
| Efficiency ratio | 88.4307% | 1,182 |
| Assets per employee ($millions) | 3.7633% | 4,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5911% | 887 |
| Loan loss allowance to noncurrent loans | 59.1532% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 1.1854% | 3,381 |
| Noncurrent loans to loans | 4.3803% | 815 |
| Net loans and leases to total assets | 26.3611% | 6,677 |
| Net loans and leases to deposits | 33.9887% | 6,610 |
| Net loans and leases to core deposits | 37.5463% | 6,554 |
| Total domestic deposits to total assets | 77.5583% | 6,058 |
| Equity capital to assets | 14.3150% | 871 |
| Core capital (leverage) ratio | 14.4867% | 704 |
| Tier 1 risk-based capital ratio | 42.2406% | 205 |
| Total risk-based capital ratio | 43.4982% | 205 |
| Memoranda: | ||
| Average total assets | $67,834,330 | 5,642 |
| Average earning assets | $62,682,000 | 5,603 |
| Average equity | $9,740,670 | 4,998 |
| Average total loans | $18,396,330 | 6,382 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5542% | 6,798 |
| Cost of funding earning assets | 0.1975% | 6,584 |
| Net interest margin | 2.3568% | 6,637 |
| Noninterest income to average assets | 0.4537% | 4,095 |
| Noninterest expense to average assets | 2.2981% | 5,425 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2239% | 5,809 |
| Return on assets (ROA) | 0.2239% | 5,936 |
| Pretax return on assets | 0.3359% | 5,760 |
| Return on Equity (ROE) | 1.5570% | 6,073 |
| Retained earnings to average equity (ytd only) | 1.5570% | 5,207 |
| Net charge-offs to loans | 0.1302% | 2,624 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,824 |
| Efficiency ratio | 87.2483% | 1,394 |
| Assets per employee ($millions) | 3.8246% | 4,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5248% | 1,081 |
| Loan loss allowance to noncurrent loans | 59.5238% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 1.1592% | 3,628 |
| Noncurrent loans to loans | 4.2417% | 1,022 |
| Net loans and leases to total assets | 26.6374% | 6,710 |
| Net loans and leases to deposits | 34.3614% | 6,623 |
| Net loans and leases to core deposits | 37.8923% | 6,563 |
| Total domestic deposits to total assets | 77.5213% | 6,186 |
| Equity capital to assets | 14.1903% | 967 |
| Core capital (leverage) ratio | 14.5223% | 666 |
| Tier 1 risk-based capital ratio | 40.9125% | 218 |
| Total risk-based capital ratio | 42.1715% | 216 |
| Memoranda: | ||
| Average total assets | $67,881,500 | 5,690 |
| Average earning assets | $62,798,000 | 5,649 |
| Average equity | $9,762,500 | 5,048 |
| Average total loans | $18,428,500 | 6,433 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7511% | 6,868 |
| Cost of funding earning assets | 0.2137% | 6,798 |
| Net interest margin | 2.5374% | 6,687 |
| Noninterest income to average assets | 0.4499% | 4,244 |
| Noninterest expense to average assets | 2.1942% | 5,933 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3432% | 5,320 |
| Return on assets (ROA) | 0.3432% | 5,538 |
| Pretax return on assets | 0.5553% | 5,118 |
| Return on Equity (ROE) | 2.5196% | 5,746 |
| Retained earnings to average equity (ytd only) | 2.2791% | 4,632 |
| Net charge-offs to loans | 0.2161% | 3,664 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,195 |
| Efficiency ratio | 79.8032% | 2,171 |
| Assets per employee ($millions) | 3.7178% | 4,530 |
| Cash dividends to net income (ytd only)* | 9.5436% | 4,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6657% | 960 |
| Loan loss allowance to noncurrent loans | 343.5714% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.2092% | 6,039 |
| Noncurrent loans to loans | 0.7759% | 4,628 |
| Net loans and leases to total assets | 26.2448% | 6,806 |
| Net loans and leases to deposits | 34.2472% | 6,735 |
| Net loans and leases to core deposits | 37.4326% | 6,694 |
| Total domestic deposits to total assets | 76.6333% | 6,271 |
| Equity capital to assets | 14.5786% | 848 |
| Core capital (leverage) ratio | 14.1677% | 757 |
| Tier 1 risk-based capital ratio | 40.6566% | 231 |
| Total risk-based capital ratio | 41.9168% | 224 |
| Memoranda: | ||
| Average total assets | $70,230,400 | 5,626 |
| Average earning assets | $63,647,000 | 5,618 |
| Average equity | $9,565,200 | 5,087 |
| Average total loans | $18,046,800 | 6,506 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7621% | 6,984 |
| Cost of funding earning assets | 0.2141% | 6,919 |
| Net interest margin | 2.5481% | 6,795 |
| Noninterest income to average assets | 0.4541% | 4,261 |
| Noninterest expense to average assets | 2.1709% | 6,013 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3847% | 5,310 |
| Return on assets (ROA) | 0.3847% | 5,521 |
| Pretax return on assets | 0.5836% | 5,224 |
| Return on Equity (ROE) | 2.8719% | 5,719 |
| Retained earnings to average equity (ytd only) | 2.8719% | 4,830 |
| Net charge-offs to loans | 0.0443% | 5,032 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 51.8325% | 735 |
| Efficiency ratio | 78.8147% | 2,260 |
| Assets per employee ($millions) | 4.0278% | 3,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7628% | 918 |
| Loan loss allowance to noncurrent loans | 3,212.5000% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 6,713 |
| Noncurrent loans to loans | 0.0860% | 6,397 |
| Net loans and leases to total assets | 24.9514% | 6,947 |
| Net loans and leases to deposits | 31.6652% | 6,919 |
| Net loans and leases to core deposits | 34.1153% | 6,898 |
| Total domestic deposits to total assets | 78.7975% | 5,920 |
| Equity capital to assets | 13.3764% | 1,401 |
| Core capital (leverage) ratio | 13.4929% | 1,012 |
| Tier 1 risk-based capital ratio | 39.6158% | 253 |
| Total risk-based capital ratio | 40.8777% | 248 |
| Memoranda: | ||
| Average total assets | $71,058,000 | 5,665 |
| Average earning assets | $64,151,500 | 5,667 |
| Average equity | $9,517,500 | 5,147 |
| Average total loans | $18,047,500 | 6,596 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7787% | 7,050 |
| Cost of funding earning assets | 0.2140% | 7,001 |
| Net interest margin | 2.5647% | 6,845 |
| Noninterest income to average assets | 0.4279% | 4,449 |
| Noninterest expense to average assets | 2.1962% | 6,020 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3826% | 5,282 |
| Return on assets (ROA) | 0.3826% | 5,516 |
| Pretax return on assets | 0.5753% | 5,228 |
| Return on Equity (ROE) | 2.8549% | 5,744 |
| Retained earnings to average equity (ytd only) | 2.8549% | 4,724 |
| Net charge-offs to loans | 0.0112% | 5,295 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 203.0000% | 220 |
| Efficiency ratio | 79.2434% | 2,296 |
| Assets per employee ($millions) | 3.9482% | 3,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7941% | 954 |
| Loan loss allowance to noncurrent loans | 1,572.7273% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 6,707 |
| Noncurrent loans to loans | 0.1777% | 6,227 |
| Net loans and leases to total assets | 25.4070% | 6,996 |
| Net loans and leases to deposits | 32.4783% | 6,952 |
| Net loans and leases to core deposits | 34.9333% | 6,937 |
| Total domestic deposits to total assets | 78.2276% | 6,112 |
| Equity capital to assets | 13.5253% | 1,293 |
| Core capital (leverage) ratio | 13.6526% | 920 |
| Tier 1 risk-based capital ratio | 38.7080% | 258 |
| Total risk-based capital ratio | 39.9698% | 251 |
| Memoranda: | ||
| Average total assets | $70,577,000 | 5,721 |
| Average earning assets | $64,491,330 | 5,693 |
| Average equity | $9,457,330 | 5,165 |
| Average total loans | $17,862,000 | 6,657 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7743% | 7,113 |
| Cost of funding earning assets | 0.2249% | 7,065 |
| Net interest margin | 2.5494% | 6,918 |
| Noninterest income to average assets | 0.4322% | 4,437 |
| Noninterest expense to average assets | 2.1726% | 6,107 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3810% | 5,342 |
| Return on assets (ROA) | 0.3810% | 5,528 |
| Pretax return on assets | 0.5801% | 5,185 |
| Return on Equity (ROE) | 2.8571% | 5,766 |
| Retained earnings to average equity (ytd only) | 2.8571% | 4,818 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9256% | 2,366 |
| Assets per employee ($millions) | 3.9861% | 4,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8289% | 981 |
| Loan loss allowance to noncurrent loans | 68.7831% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 1.0537% | 4,383 |
| Noncurrent loans to loans | 4.1127% | 1,475 |
| Net loans and leases to total assets | 24.8951% | 7,064 |
| Net loans and leases to deposits | 31.6966% | 7,015 |
| Net loans and leases to core deposits | 34.0559% | 6,993 |
| Total domestic deposits to total assets | 78.5419% | 6,178 |
| Equity capital to assets | 13.0845% | 1,406 |
| Core capital (leverage) ratio | 13.7842% | 859 |
| Tier 1 risk-based capital ratio | 38.2992% | 259 |
| Total risk-based capital ratio | 39.5605% | 255 |
| Memoranda: | ||
| Average total assets | $70,332,000 | 5,758 |
| Average earning assets | $64,015,500 | 5,757 |
| Average equity | $9,380,000 | 5,195 |
| Average total loans | $17,505,500 | 6,729 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8378% | 7,214 |
| Cost of funding earning assets | 0.2951% | 7,114 |
| Net interest margin | 2.5426% | 7,032 |
| Noninterest income to average assets | 0.4376% | 4,318 |
| Noninterest expense to average assets | 2.4168% | 5,726 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2973% | 5,269 |
| Return on assets (ROA) | 0.2973% | 5,421 |
| Pretax return on assets | 0.3461% | 5,437 |
| Return on Equity (ROE) | 2.0873% | 5,625 |
| Retained earnings to average equity (ytd only) | 1.8518% | 4,896 |
| Net charge-offs to loans | 0.3762% | 3,527 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 3.7833% | 3,391 |
| Efficiency ratio | 87.4724% | 1,404 |
| Assets per employee ($millions) | 4.0538% | 3,740 |
| Cash dividends to net income (ytd only)* | 11.2821% | 3,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1331% | 722 |
| Loan loss allowance to noncurrent loans | 49.1509% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 1.5381% | 3,641 |
| Noncurrent loans to loans | 6.3744% | 751 |
| Net loans and leases to total assets | 23.3737% | 7,164 |
| Net loans and leases to deposits | 29.9684% | 7,134 |
| Net loans and leases to core deposits | 32.3136% | 7,109 |
| Total domestic deposits to total assets | 77.9946% | 6,196 |
| Equity capital to assets | 13.5994% | 1,223 |
| Core capital (leverage) ratio | 14.1339% | 790 |
| Tier 1 risk-based capital ratio | 40.7263% | 220 |
| Total risk-based capital ratio | 41.9877% | 215 |
| Memoranda: | ||
| Average total assets | $65,583,800 | 5,877 |
| Average earning assets | $59,977,000 | 5,867 |
| Average equity | $9,342,200 | 5,199 |
| Average total loans | $15,950,800 | 6,852 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8835% | 7,287 |
| Cost of funding earning assets | 0.3106% | 7,198 |
| Net interest margin | 2.5728% | 7,090 |
| Noninterest income to average assets | 0.4489% | 4,304 |
| Noninterest expense to average assets | 2.3083% | 6,007 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3253% | 5,308 |
| Return on assets (ROA) | 0.3253% | 5,474 |
| Pretax return on assets | 0.4942% | 5,180 |
| Return on Equity (ROE) | 2.2567% | 5,694 |
| Retained earnings to average equity (ytd only) | 2.2567% | 4,999 |
| Net charge-offs to loans | 0.5491% | 2,594 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 3.6925% | 3,334 |
| Efficiency ratio | 82.3659% | 1,918 |
| Assets per employee ($millions) | 3.8718% | 4,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1712% | 748 |
| Loan loss allowance to noncurrent loans | 59.8142% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 1.3081% | 4,193 |
| Noncurrent loans to loans | 5.3017% | 1,147 |
| Net loans and leases to total assets | 23.8906% | 7,234 |
| Net loans and leases to deposits | 31.2227% | 7,187 |
| Net loans and leases to core deposits | 33.8419% | 7,166 |
| Total domestic deposits to total assets | 76.5166% | 6,451 |
| Equity capital to assets | 14.3571% | 1,036 |
| Core capital (leverage) ratio | 14.6043% | 749 |
| Tier 1 risk-based capital ratio | 41.7204% | 217 |
| Total risk-based capital ratio | 42.9841% | 215 |
| Memoranda: | ||
| Average total assets | $64,751,000 | 5,948 |
| Average earning assets | $59,233,000 | 5,934 |
| Average equity | $9,334,750 | 5,226 |
| Average total loans | $15,781,250 | 6,929 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8767% | 7,369 |
| Cost of funding earning assets | 0.3249% | 7,269 |
| Net interest margin | 2.5518% | 7,155 |
| Noninterest income to average assets | 0.4472% | 4,305 |
| Noninterest expense to average assets | 2.3014% | 6,123 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3230% | 5,277 |
| Return on assets (ROA) | 0.3230% | 5,410 |
| Pretax return on assets | 0.4876% | 5,110 |
| Return on Equity (ROE) | 2.2374% | 5,707 |
| Retained earnings to average equity (ytd only) | 2.2374% | 4,872 |
| Net charge-offs to loans | 0.9342% | 1,667 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 2.1507% | 3,766 |
| Efficiency ratio | 82.5167% | 2,025 |
| Assets per employee ($millions) | 3.7847% | 4,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1783% | 777 |
| Loan loss allowance to noncurrent loans | 56.2708% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 1.4004% | 4,124 |
| Noncurrent loans to loans | 5.6482% | 1,104 |
| Net loans and leases to total assets | 24.0053% | 7,316 |
| Net loans and leases to deposits | 31.3693% | 7,285 |
| Net loans and leases to core deposits | 33.9929% | 7,256 |
| Total domestic deposits to total assets | 76.5247% | 6,520 |
| Equity capital to assets | 14.6581% | 902 |
| Core capital (leverage) ratio | 14.4492% | 770 |
| Tier 1 risk-based capital ratio | 41.9033% | 214 |
| Total risk-based capital ratio | 43.1665% | 214 |
| Memoranda: | ||
| Average total assets | $64,394,330 | 6,003 |
| Average earning assets | $59,095,000 | 5,982 |
| Average equity | $9,296,330 | 5,240 |
| Average total loans | $15,628,330 | 7,002 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8551% | 7,431 |
| Cost of funding earning assets | 0.3645% | 7,295 |
| Net interest margin | 2.4906% | 7,202 |
| Noninterest income to average assets | 0.4408% | 4,357 |
| Noninterest expense to average assets | 2.2912% | 6,210 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2980% | 5,415 |
| Return on assets (ROA) | 0.2980% | 5,484 |
| Pretax return on assets | 0.4408% | 5,218 |
| Return on Equity (ROE) | 2.0804% | 5,758 |
| Retained earnings to average equity (ytd only) | 2.0804% | 4,891 |
| Net charge-offs to loans | 0.5431% | 2,135 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 3.3810% | 2,758 |
| Efficiency ratio | 83.8636% | 1,971 |
| Assets per employee ($millions) | 3.9170% | 4,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6062% | 557 |
| Loan loss allowance to noncurrent loans | 53.4417% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 1.5708% | 3,892 |
| Noncurrent loans to loans | 6.7480% | 851 |
| Net loans and leases to total assets | 22.4391% | 7,400 |
| Net loans and leases to deposits | 28.9215% | 7,373 |
| Net loans and leases to core deposits | 31.2150% | 7,367 |
| Total domestic deposits to total assets | 77.5864% | 6,434 |
| Equity capital to assets | 13.8777% | 1,035 |
| Core capital (leverage) ratio | 14.5010% | 739 |
| Tier 1 risk-based capital ratio | 41.0537% | 222 |
| Total risk-based capital ratio | 42.3165% | 215 |
| Memoranda: | ||
| Average total assets | $64,421,500 | 6,049 |
| Average earning assets | $59,262,500 | 6,022 |
| Average equity | $9,229,000 | 5,255 |
| Average total loans | $15,466,500 | 7,065 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3072% | 7,443 |
| Cost of funding earning assets | 0.4741% | 7,336 |
| Net interest margin | 2.8332% | 6,991 |
| Noninterest income to average assets | 0.5019% | 4,146 |
| Noninterest expense to average assets | 2.6096% | 5,376 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.3018% | 4,933 |
| Return on assets (ROA) | 0.3018% | 5,102 |
| Pretax return on assets | 0.4435% | 4,813 |
| Return on Equity (ROE) | 1.9507% | 5,399 |
| Retained earnings to average equity (ytd only) | 1.7136% | 4,659 |
| Net charge-offs to loans | 0.0781% | 6,036 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 24.1818% | 875 |
| Efficiency ratio | 85.4724% | 1,749 |
| Assets per employee ($millions) | 3.6620% | 4,541 |
| Cash dividends to net income (ytd only)* | 12.1547% | 3,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7584% | 493 |
| Loan loss allowance to noncurrent loans | 57.3123% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 1.6256% | 3,872 |
| Noncurrent loans to loans | 6.5578% | 907 |
| Net loans and leases to total assets | 23.8571% | 7,471 |
| Net loans and leases to deposits | 31.4874% | 7,437 |
| Net loans and leases to core deposits | 34.2409% | 7,418 |
| Total domestic deposits to total assets | 75.7670% | 6,661 |
| Equity capital to assets | 14.8055% | 835 |
| Core capital (leverage) ratio | 15.1636% | 635 |
| Tier 1 risk-based capital ratio | 41.5918% | 221 |
| Total risk-based capital ratio | 42.8565% | 214 |
| Memoranda: | ||
| Average total assets | $59,971,800 | 6,206 |
| Average earning assets | $54,002,600 | 6,217 |
| Average equity | $9,278,600 | 5,334 |
| Average total loans | $14,084,800 | 7,205 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3267% | 7,576 |
| Cost of funding earning assets | 0.4874% | 7,461 |
| Net interest margin | 2.8393% | 7,093 |
| Noninterest income to average assets | 0.5252% | 3,983 |
| Noninterest expense to average assets | 2.5655% | 5,445 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3367% | 5,023 |
| Return on assets (ROA) | 0.3367% | 5,195 |
| Pretax return on assets | 0.5095% | 4,889 |
| Return on Equity (ROE) | 2.1519% | 5,553 |
| Retained earnings to average equity (ytd only) | 2.1519% | 4,885 |
| Net charge-offs to loans | 0.1551% | 5,072 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 14.1894% | 1,532 |
| Efficiency ratio | 83.4307% | 1,899 |
| Assets per employee ($millions) | 3.3828% | 5,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8397% | 420 |
| Loan loss allowance to noncurrent loans | 57.1571% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 1.6522% | 3,964 |
| Noncurrent loans to loans | 6.7179% | 872 |
| Net loans and leases to total assets | 23.6492% | 7,570 |
| Net loans and leases to deposits | 31.7292% | 7,543 |
| Net loans and leases to core deposits | 34.6195% | 7,524 |
| Total domestic deposits to total assets | 74.5344% | 6,851 |
| Equity capital to assets | 15.4032% | 795 |
| Core capital (leverage) ratio | 15.6270% | 619 |
| Tier 1 risk-based capital ratio | 42.8805% | 204 |
| Total risk-based capital ratio | 44.1493% | 200 |
| Memoranda: | ||
| Average total assets | $59,401,250 | 6,292 |
| Average earning assets | $53,345,000 | 6,309 |
| Average equity | $9,294,000 | 5,404 |
| Average total loans | $13,748,000 | 7,311 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2839% | 7,663 |
| Cost of funding earning assets | 0.5026% | 7,543 |
| Net interest margin | 2.7813% | 7,170 |
| Noninterest income to average assets | 0.4957% | 4,152 |
| Noninterest expense to average assets | 2.5465% | 5,534 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.2954% | 5,199 |
| Return on assets (ROA) | 0.2954% | 5,349 |
| Pretax return on assets | 0.4482% | 5,065 |
| Return on Equity (ROE) | 1.8779% | 5,667 |
| Retained earnings to average equity (ytd only) | 1.8779% | 4,929 |
| Net charge-offs to loans | 0.0450% | 5,754 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 668 |
| Efficiency ratio | 85.0340% | 1,817 |
| Assets per employee ($millions) | 3.5063% | 4,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1139% | 337 |
| Loan loss allowance to noncurrent loans | 92.1630% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 1.0703% | 4,992 |
| Noncurrent loans to loans | 4.4637% | 1,634 |
| Net loans and leases to total assets | 22.9923% | 7,657 |
| Net loans and leases to deposits | 31.1796% | 7,623 |
| Net loans and leases to core deposits | 33.7820% | 7,609 |
| Total domestic deposits to total assets | 73.7413% | 7,001 |
| Equity capital to assets | 15.6609% | 732 |
| Core capital (leverage) ratio | 15.6723% | 612 |
| Tier 1 risk-based capital ratio | 44.4323% | 190 |
| Total risk-based capital ratio | 45.6991% | 189 |
| Memoranda: | ||
| Average total assets | $58,905,000 | 6,352 |
| Average earning assets | $52,925,000 | 6,368 |
| Average equity | $9,265,670 | 5,426 |
| Average total loans | $13,339,000 | 7,382 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1664% | 7,781 |
| Cost of funding earning assets | 0.5226% | 7,643 |
| Net interest margin | 2.6438% | 7,349 |
| Noninterest income to average assets | 0.3894% | 5,003 |
| Noninterest expense to average assets | 2.5344% | 5,599 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1366% | 5,899 |
| Return on assets (ROA) | 0.1366% | 6,025 |
| Pretax return on assets | 0.2049% | 5,865 |
| Return on Equity (ROE) | 0.8666% | 6,152 |
| Retained earnings to average equity (ytd only) | 0.8666% | 5,462 |
| Net charge-offs to loans | -0.0622% | 7,407 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5187% | 1,246 |
| Assets per employee ($millions) | 3.5242% | 4,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4849% | 257 |
| Loan loss allowance to noncurrent loans | 66.7042% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 1.4838% | 4,287 |
| Noncurrent loans to loans | 6.7236% | 916 |
| Net loans and leases to total assets | 21.0792% | 7,774 |
| Net loans and leases to deposits | 28.3766% | 7,749 |
| Net loans and leases to core deposits | 30.7125% | 7,736 |
| Total domestic deposits to total assets | 74.2839% | 7,006 |
| Equity capital to assets | 15.3826% | 788 |
| Core capital (leverage) ratio | 15.9700% | 588 |
| Tier 1 risk-based capital ratio | 45.0358% | 189 |
| Total risk-based capital ratio | 46.3047% | 185 |
| Memoranda: | ||
| Average total assets | $58,554,000 | 6,447 |
| Average earning assets | $52,046,000 | 6,473 |
| Average equity | $9,231,000 | 5,474 |
| Average total loans | $12,862,000 | 7,504 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0035% | 7,696 |
| Cost of funding earning assets | 0.7943% | 7,563 |
| Net interest margin | 3.2092% | 6,060 |
| Noninterest income to average assets | 0.5024% | 4,385 |
| Noninterest expense to average assets | 2.9032% | 4,518 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.4139% | 4,073 |
| Return on assets (ROA) | 0.4139% | 4,183 |
| Pretax return on assets | 0.4271% | 4,414 |
| Return on Equity (ROE) | 2.3640% | 4,757 |
| Retained earnings to average equity (ytd only) | 2.1276% | 3,613 |
| Net charge-offs to loans | 0.0171% | 6,981 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 113.5000% | 248 |
| Efficiency ratio | 87.1751% | 1,972 |
| Assets per employee ($millions) | 3.3645% | 5,332 |
| Cash dividends to net income (ytd only)* | 10.0000% | 3,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7272% | 206 |
| Loan loss allowance to noncurrent loans | 273.6111% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.3776% | 6,506 |
| Noncurrent loans to loans | 1.7277% | 4,044 |
| Net loans and leases to total assets | 20.8249% | 7,857 |
| Net loans and leases to deposits | 28.4503% | 7,831 |
| Net loans and leases to core deposits | 33.4607% | 7,842 |
| Total domestic deposits to total assets | 73.1974% | 7,130 |
| Equity capital to assets | 16.1655% | 673 |
| Core capital (leverage) ratio | 16.9149% | 501 |
| Tier 1 risk-based capital ratio | 47.7018% | 172 |
| Total risk-based capital ratio | 48.9666% | 172 |
| Memoranda: | ||
| Average total assets | $53,148,000 | 6,591 |
| Average earning assets | $46,834,400 | 6,646 |
| Average equity | $9,306,400 | 5,507 |
| Average total loans | $11,662,600 | 7,620 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1388% | 7,759 |
| Cost of funding earning assets | 0.8532% | 7,620 |
| Net interest margin | 3.2856% | 5,700 |
| Noninterest income to average assets | 0.4782% | 4,684 |
| Noninterest expense to average assets | 2.6699% | 5,457 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.4706% | 4,119 |
| Return on assets (ROA) | 0.4706% | 4,216 |
| Pretax return on assets | 0.7135% | 3,806 |
| Return on Equity (ROE) | 2.6319% | 4,940 |
| Retained earnings to average equity (ytd only) | 2.6319% | 3,852 |
| Net charge-offs to loans | -0.0233% | 7,777 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9116% | 3,008 |
| Assets per employee ($millions) | 3.1321% | 5,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8671% | 151 |
| Loan loss allowance to noncurrent loans | 3,305.5556% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 7,494 |
| Noncurrent loans to loans | 0.1472% | 7,110 |
| Net loans and leases to total assets | 21.8420% | 7,937 |
| Net loans and leases to deposits | 30.8096% | 7,900 |
| Net loans and leases to core deposits | 37.1020% | 7,886 |
| Total domestic deposits to total assets | 70.8936% | 7,339 |
| Equity capital to assets | 17.6126% | 552 |
| Core capital (leverage) ratio | 17.7087% | 480 |
| Tier 1 risk-based capital ratio | 50.5318% | 166 |
| Total risk-based capital ratio | 51.8080% | 165 |
| Memoranda: | ||
| Average total assets | $52,136,000 | 6,675 |
| Average earning assets | $46,099,250 | 6,732 |
| Average equity | $9,321,500 | 5,549 |
| Average total loans | $11,452,750 | 7,708 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2493% | 7,798 |
| Cost of funding earning assets | 0.9169% | 7,675 |
| Net interest margin | 3.3325% | 5,426 |
| Noninterest income to average assets | 0.4714% | 4,700 |
| Noninterest expense to average assets | 2.6736% | 5,482 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4752% | 4,193 |
| Return on assets (ROA) | 0.4752% | 4,304 |
| Pretax return on assets | 0.7186% | 3,941 |
| Return on Equity (ROE) | 2.6444% | 5,038 |
| Retained earnings to average equity (ytd only) | 2.6444% | 3,858 |
| Net charge-offs to loans | -0.0179% | 7,676 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8155% | 3,217 |
| Assets per employee ($millions) | 3.2121% | 5,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1905% | 112 |
| Loan loss allowance to noncurrent loans | 64.1469% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 1.8018% | 3,476 |
| Noncurrent loans to loans | 8.0916% | 546 |
| Net loans and leases to total assets | 21.1114% | 8,025 |
| Net loans and leases to deposits | 29.5471% | 8,001 |
| Net loans and leases to core deposits | 35.3639% | 7,991 |
| Total domestic deposits to total assets | 71.4500% | 7,310 |
| Equity capital to assets | 18.1578% | 533 |
| Core capital (leverage) ratio | 17.8295% | 527 |
| Tier 1 risk-based capital ratio | 52.7386% | 163 |
| Total risk-based capital ratio | 54.0163% | 159 |
| Memoranda: | ||
| Average total assets | $51,766,000 | 6,761 |
| Average earning assets | $45,371,670 | 6,822 |
| Average equity | $9,302,670 | 5,580 |
| Average total loans | $11,195,330 | 7,803 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4127% | 7,791 |
| Cost of funding earning assets | 1.0204% | 7,643 |
| Net interest margin | 3.3923% | 5,169 |
| Noninterest income to average assets | 0.4235% | 5,017 |
| Noninterest expense to average assets | 2.5254% | 5,746 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5390% | 4,259 |
| Return on assets (ROA) | 0.5390% | 4,450 |
| Pretax return on assets | 0.8161% | 4,018 |
| Return on Equity (ROE) | 3.0146% | 5,368 |
| Retained earnings to average equity (ytd only) | 3.0146% | 4,201 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5760% | 3,555 |
| Assets per employee ($millions) | 3.2728% | 5,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3597% | 91 |
| Loan loss allowance to noncurrent loans | 64.4565% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 1.7569% | 3,290 |
| Noncurrent loans to loans | 8.3153% | 421 |
| Net loans and leases to total assets | 19.9966% | 8,083 |
| Net loans and leases to deposits | 27.5741% | 8,066 |
| Net loans and leases to core deposits | 33.1109% | 8,057 |
| Total domestic deposits to total assets | 72.5193% | 7,128 |
| Equity capital to assets | 17.7488% | 638 |
| Core capital (leverage) ratio | 18.1701% | 538 |
| Tier 1 risk-based capital ratio | 52.7648% | 178 |
| Total risk-based capital ratio | 54.0391% | 175 |
| Memoranda: | ||
| Average total assets | $51,952,000 | 6,786 |
| Average earning assets | $44,689,500 | 6,889 |
| Average equity | $9,288,000 | 5,608 |
| Average total loans | $11,071,000 | 7,855 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5207% | 7,249 |
| Cost of funding earning assets | 1.4791% | 7,643 |
| Net interest margin | 4.0416% | 2,937 |
| Noninterest income to average assets | 0.5043% | 4,592 |
| Noninterest expense to average assets | 3.0036% | 4,066 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7498% | 3,673 |
| Return on assets (ROA) | 0.7498% | 3,508 |
| Pretax return on assets | 1.0800% | 3,100 |
| Return on Equity (ROE) | 3.7513% | 4,918 |
| Retained earnings to average equity (ytd only) | 3.5057% | 2,957 |
| Net charge-offs to loans | -0.8317% | 8,231 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5519% | 3,651 |
| Assets per employee ($millions) | 3.2213% | 5,425 |
| Cash dividends to net income (ytd only)* | 6.5476% | 4,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3530% | 83 |
| Loan loss allowance to noncurrent loans | 1,520.5128% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0757% | 7,268 |
| Noncurrent loans to loans | 0.3520% | 6,316 |
| Net loans and leases to total assets | 20.3434% | 8,149 |
| Net loans and leases to deposits | 28.0115% | 8,136 |
| Net loans and leases to core deposits | 31.9996% | 8,140 |
| Total domestic deposits to total assets | 72.6251% | 6,894 |
| Equity capital to assets | 18.0093% | 650 |
| Core capital (leverage) ratio | 18.5516% | 551 |
| Tier 1 risk-based capital ratio | 52.8303% | 192 |
| Total risk-based capital ratio | 54.1102% | 189 |
| Memoranda: | ||
| Average total assets | $44,813,000 | 6,998 |
| Average earning assets | $39,687,000 | 7,052 |
| Average equity | $8,956,800 | 5,751 |
| Average total loans | $10,941,800 | 7,892 |