Home > Benchmark Bank > Performance and Condition Ratios
Benchmark Bank, Performance and Condition Ratios
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2631% | 355 |
| Cost of funding earning assets | 0.7182% | 807 |
| Net interest margin | 4.5448% | 518 |
| Noninterest income to average assets | 4.0314% | 145 |
| Noninterest expense to average assets | 7.5126% | 109 |
| Loan and lease loss provision to assets | -0.1488% | 5,683 |
| Net operating income to assets | 0.5936% | 4,337 |
| Return on assets (ROA) | 0.5936% | 4,383 |
| Pretax return on assets | 0.9145% | 3,883 |
| Return on Equity (ROE) | 4.5182% | 4,656 |
| Retained earnings to average equity (ytd only) | 4.5182% | 3,020 |
| Net charge-offs to loans | 0.0055% | 3,264 |
| Credit loss provision to net charge-offs | -3,200.0000% | 5,026 |
| Earnings coverage of net charge-offs (x) | 164.6667% | 466 |
| Efficiency ratio | 90.7508% | 417 |
| Assets per employee ($millions) | 2.1442% | 5,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 3,966 |
| Loan loss allowance to noncurrent loans | 311.7479% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.5629% | 2,889 |
| Noncurrent loans to loans | 0.3303% | 3,854 |
| Net loans and leases to total assets | 84.0845% | 440 |
| Net loans and leases to deposits | 106.0763% | 394 |
| Net loans and leases to core deposits | 110.6479% | 971 |
| Total domestic deposits to total assets | 79.2679% | 4,569 |
| Equity capital to assets | 13.7927% | 1,047 |
| Core capital (leverage) ratio | 11.8958% | 1,697 |
| Tier 1 risk-based capital ratio | 15.6942% | 2,619 |
| Total risk-based capital ratio | 16.8927% | 2,580 |
| Memoranda: | ||
| Average total assets | $129,037,330 | 3,823 |
| Average earning assets | $120,576,330 | 3,796 |
| Average equity | $16,953,670 | 3,537 |
| Average total loans | $108,184,000 | 3,246 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1421% | 415 |
| Cost of funding earning assets | 0.6997% | 845 |
| Net interest margin | 4.4424% | 587 |
| Noninterest income to average assets | 4.1682% | 140 |
| Noninterest expense to average assets | 7.5266% | 111 |
| Loan and lease loss provision to assets | -0.1279% | 5,763 |
| Net operating income to assets | 0.6029% | 4,151 |
| Return on assets (ROA) | 0.6029% | 4,204 |
| Pretax return on assets | 0.9256% | 3,675 |
| Return on Equity (ROE) | 4.6992% | 4,514 |
| Retained earnings to average equity (ytd only) | 4.6992% | 3,055 |
| Net charge-offs to loans | 0.1389% | 1,106 |
| Credit loss provision to net charge-offs | -110.5263% | 3,960 |
| Earnings coverage of net charge-offs (x) | 6.8947% | 2,187 |
| Efficiency ratio | 90.4170% | 540 |
| Assets per employee ($millions) | 2.1038% | 5,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 4,194 |
| Loan loss allowance to noncurrent loans | 271.9902% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.5819% | 2,907 |
| Noncurrent loans to loans | 0.3731% | 3,757 |
| Net loans and leases to total assets | 82.7776% | 484 |
| Net loans and leases to deposits | 102.7884% | 456 |
| Net loans and leases to core deposits | 106.8840% | 1,038 |
| Total domestic deposits to total assets | 80.5321% | 4,515 |
| Equity capital to assets | 13.0034% | 1,255 |
| Core capital (leverage) ratio | 11.4451% | 1,988 |
| Tier 1 risk-based capital ratio | 14.5529% | 3,173 |
| Total risk-based capital ratio | 15.7056% | 3,155 |
| Memoranda: | ||
| Average total assets | $131,374,500 | 3,822 |
| Average earning assets | $122,906,500 | 3,794 |
| Average equity | $16,854,000 | 3,566 |
| Average total loans | $109,447,000 | 3,256 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0239% | 566 |
| Cost of funding earning assets | 0.5723% | 1,530 |
| Net interest margin | 4.4517% | 679 |
| Noninterest income to average assets | 5.0641% | 121 |
| Noninterest expense to average assets | 8.3117% | 97 |
| Loan and lease loss provision to assets | -0.2006% | 5,783 |
| Net operating income to assets | 4.0399% | 48 |
| Return on assets (ROA) | 4.0399% | 49 |
| Pretax return on assets | 1.1779% | 2,768 |
| Return on Equity (ROE) | 37.3345% | 18 |
| Retained earnings to average equity (ytd only) | 37.3345% | 6 |
| Net charge-offs to loans | 0.0593% | 2,860 |
| Credit loss provision to net charge-offs | -400.0000% | 5,130 |
| Earnings coverage of net charge-offs (x) | 19.4844% | 1,909 |
| Efficiency ratio | 89.4795% | 591 |
| Assets per employee ($millions) | 2.0356% | 5,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0809% | 3,820 |
| Loan loss allowance to noncurrent loans | 107.2267% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 1.1027% | 1,691 |
| Noncurrent loans to loans | 1.0080% | 2,076 |
| Net loans and leases to total assets | 82.0994% | 591 |
| Net loans and leases to deposits | 98.8570% | 751 |
| Net loans and leases to core deposits | 102.1218% | 1,442 |
| Total domestic deposits to total assets | 83.0487% | 3,750 |
| Equity capital to assets | 12.6570% | 1,423 |
| Core capital (leverage) ratio | 10.5904% | 2,784 |
| Tier 1 risk-based capital ratio | 14.6091% | 3,145 |
| Total risk-based capital ratio | 15.8669% | 3,080 |
| Memoranda: | ||
| Average total assets | $127,603,200 | 3,871 |
| Average earning assets | $121,100,400 | 3,808 |
| Average equity | $13,807,600 | 3,965 |
| Average total loans | $107,893,400 | 3,241 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9420% | 668 |
| Cost of funding earning assets | 0.5236% | 1,915 |
| Net interest margin | 4.4183% | 749 |
| Noninterest income to average assets | 5.1739% | 118 |
| Noninterest expense to average assets | 8.4443% | 95 |
| Loan and lease loss provision to assets | -0.1550% | 5,845 |
| Net operating income to assets | 5.1159% | 33 |
| Return on assets (ROA) | 5.1159% | 34 |
| Pretax return on assets | 1.0936% | 3,258 |
| Return on Equity (ROE) | 49.4757% | 10 |
| Retained earnings to average equity (ytd only) | 49.4757% | 2 |
| Net charge-offs to loans | 0.0434% | 2,774 |
| Credit loss provision to net charge-offs | -420.0000% | 5,031 |
| Earnings coverage of net charge-offs (x) | 25.4262% | 1,635 |
| Efficiency ratio | 89.9966% | 558 |
| Assets per employee ($millions) | 2.2125% | 5,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 3,550 |
| Loan loss allowance to noncurrent loans | 121.2260% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 1.1154% | 1,819 |
| Noncurrent loans to loans | 0.9470% | 2,350 |
| Net loans and leases to total assets | 83.1759% | 491 |
| Net loans and leases to deposits | 95.2259% | 1,124 |
| Net loans and leases to core deposits | 98.9540% | 1,728 |
| Total domestic deposits to total assets | 87.3458% | 1,738 |
| Equity capital to assets | 12.0170% | 2,106 |
| Core capital (leverage) ratio | 10.3328% | 3,183 |
| Tier 1 risk-based capital ratio | 13.4177% | 3,907 |
| Total risk-based capital ratio | 14.6833% | 3,809 |
| Memoranda: | ||
| Average total assets | $126,425,500 | 3,916 |
| Average earning assets | $120,435,250 | 3,843 |
| Average equity | $13,072,750 | 4,111 |
| Average total loans | $107,412,750 | 3,268 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9175% | 694 |
| Cost of funding earning assets | 0.4688% | 2,386 |
| Net interest margin | 4.4487% | 694 |
| Noninterest income to average assets | 4.7882% | 129 |
| Noninterest expense to average assets | 8.3000% | 95 |
| Loan and lease loss provision to assets | -0.2817% | 5,976 |
| Net operating income to assets | 1.0322% | 2,244 |
| Return on assets (ROA) | 1.0322% | 2,378 |
| Pretax return on assets | 1.0338% | 3,462 |
| Return on Equity (ROE) | 10.6236% | 1,794 |
| Retained earnings to average equity (ytd only) | 10.6236% | 489 |
| Net charge-offs to loans | 0.0306% | 2,860 |
| Credit loss provision to net charge-offs | -1,081.2500% | 5,105 |
| Earnings coverage of net charge-offs (x) | 28.8750% | 1,415 |
| Efficiency ratio | 91.6906% | 510 |
| Assets per employee ($millions) | 2.0994% | 5,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 3,295 |
| Loan loss allowance to noncurrent loans | 114.9956% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 1.2829% | 1,584 |
| Noncurrent loans to loans | 1.0534% | 2,179 |
| Net loans and leases to total assets | 85.3940% | 298 |
| Net loans and leases to deposits | 102.4624% | 539 |
| Net loans and leases to core deposits | 106.0852% | 1,174 |
| Total domestic deposits to total assets | 83.3418% | 3,529 |
| Equity capital to assets | 9.7291% | 4,535 |
| Core capital (leverage) ratio | 10.0867% | 3,464 |
| Tier 1 risk-based capital ratio | 12.1421% | 4,744 |
| Total risk-based capital ratio | 13.3922% | 4,658 |
| Memoranda: | ||
| Average total assets | $122,843,330 | 3,997 |
| Average earning assets | $117,743,330 | 3,920 |
| Average equity | $11,935,670 | 4,331 |
| Average total loans | $104,744,000 | 3,326 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9250% | 667 |
| Cost of funding earning assets | 0.4853% | 2,229 |
| Net interest margin | 4.4397% | 686 |
| Noninterest income to average assets | 4.7426% | 130 |
| Noninterest expense to average assets | 8.3177% | 102 |
| Loan and lease loss provision to assets | -0.4914% | 6,082 |
| Net operating income to assets | 1.1708% | 1,643 |
| Return on assets (ROA) | 1.1708% | 1,750 |
| Pretax return on assets | 1.1708% | 2,815 |
| Return on Equity (ROE) | 12.0584% | 1,299 |
| Retained earnings to average equity (ytd only) | 12.0584% | 499 |
| Net charge-offs to loans | -0.2532% | 5,902 |
| Credit loss provision to net charge-offs | 229.2308% | 997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4487% | 523 |
| Assets per employee ($millions) | 1.9715% | 5,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3798% | 2,515 |
| Loan loss allowance to noncurrent loans | 85.0657% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 1.8060% | 1,029 |
| Noncurrent loans to loans | 1.6221% | 1,419 |
| Net loans and leases to total assets | 84.6287% | 316 |
| Net loans and leases to deposits | 97.1702% | 825 |
| Net loans and leases to core deposits | 100.2265% | 1,467 |
| Total domestic deposits to total assets | 87.0933% | 2,164 |
| Equity capital to assets | 9.9432% | 4,156 |
| Core capital (leverage) ratio | 9.8657% | 3,706 |
| Tier 1 risk-based capital ratio | 11.1712% | 5,412 |
| Total risk-based capital ratio | 12.4226% | 5,321 |
| Memoranda: | ||
| Average total assets | $121,284,000 | 4,047 |
| Average earning assets | $116,223,000 | 3,971 |
| Average equity | $11,776,000 | 4,369 |
| Average total loans | $102,674,500 | 3,377 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0118% | 614 |
| Cost of funding earning assets | 0.5593% | 1,680 |
| Net interest margin | 4.4525% | 712 |
| Noninterest income to average assets | 4.1500% | 151 |
| Noninterest expense to average assets | 7.5683% | 120 |
| Loan and lease loss provision to assets | 0.0898% | 2,504 |
| Net operating income to assets | 0.7293% | 3,676 |
| Return on assets (ROA) | 0.7301% | 3,770 |
| Pretax return on assets | 0.7301% | 4,435 |
| Return on Equity (ROE) | 8.8883% | 2,507 |
| Retained earnings to average equity (ytd only) | 8.8883% | 680 |
| Net charge-offs to loans | -0.0910% | 5,748 |
| Credit loss provision to net charge-offs | -117.7083% | 5,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2349% | 676 |
| Assets per employee ($millions) | 1.9727% | 6,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4763% | 2,114 |
| Loan loss allowance to noncurrent loans | 85.7793% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 1.8650% | 995 |
| Noncurrent loans to loans | 1.7210% | 1,308 |
| Net loans and leases to total assets | 82.2861% | 566 |
| Net loans and leases to deposits | 91.4269% | 1,460 |
| Net loans and leases to core deposits | 94.3771% | 2,016 |
| Total domestic deposits to total assets | 90.0020% | 633 |
| Equity capital to assets | 9.4796% | 4,575 |
| Core capital (leverage) ratio | 9.3704% | 4,370 |
| Tier 1 risk-based capital ratio | 13.2962% | 4,106 |
| Total risk-based capital ratio | 14.5521% | 4,052 |
| Memoranda: | ||
| Average total assets | $125,880,000 | 3,959 |
| Average earning assets | $119,797,600 | 3,888 |
| Average equity | $10,339,400 | 4,592 |
| Average total loans | $105,528,800 | 3,292 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9905% | 632 |
| Cost of funding earning assets | 0.5668% | 1,654 |
| Net interest margin | 4.4237% | 757 |
| Noninterest income to average assets | 4.1248% | 152 |
| Noninterest expense to average assets | 7.5376% | 130 |
| Loan and lease loss provision to assets | 0.3555% | 375 |
| Net operating income to assets | 0.4344% | 5,031 |
| Return on assets (ROA) | 0.3481% | 5,407 |
| Pretax return on assets | 0.3481% | 5,559 |
| Return on Equity (ROE) | 4.4019% | 4,872 |
| Retained earnings to average equity (ytd only) | 4.4019% | 3,344 |
| Net charge-offs to loans | 0.1629% | 1,523 |
| Credit loss provision to net charge-offs | 260.0000% | 1,101 |
| Earnings coverage of net charge-offs (x) | 5.7769% | 3,154 |
| Efficiency ratio | 90.5153% | 668 |
| Assets per employee ($millions) | 2.1673% | 6,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3859% | 2,676 |
| Loan loss allowance to noncurrent loans | 94.2464% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 1.8425% | 1,146 |
| Noncurrent loans to loans | 1.4705% | 1,701 |
| Net loans and leases to total assets | 83.8590% | 391 |
| Net loans and leases to deposits | 92.1380% | 1,391 |
| Net loans and leases to core deposits | 94.4376% | 2,035 |
| Total domestic deposits to total assets | 91.0145% | 240 |
| Equity capital to assets | 8.2191% | 5,862 |
| Core capital (leverage) ratio | 8.1115% | 5,833 |
| Tier 1 risk-based capital ratio | 11.0314% | 5,644 |
| Total risk-based capital ratio | 12.2857% | 5,542 |
| Memoranda: | ||
| Average total assets | $126,773,750 | 3,997 |
| Average earning assets | $120,439,000 | 3,914 |
| Average equity | $10,025,750 | 4,717 |
| Average total loans | $106,374,000 | 3,296 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9663% | 630 |
| Cost of funding earning assets | 0.5970% | 1,439 |
| Net interest margin | 4.3694% | 808 |
| Noninterest income to average assets | 3.8289% | 165 |
| Noninterest expense to average assets | 7.3714% | 133 |
| Loan and lease loss provision to assets | 0.3623% | 356 |
| Net operating income to assets | 0.2294% | 5,627 |
| Return on assets (ROA) | 0.2294% | 5,700 |
| Pretax return on assets | 0.2294% | 5,771 |
| Return on Equity (ROE) | 2.9399% | 5,419 |
| Retained earnings to average equity (ytd only) | 2.9399% | 4,163 |
| Net charge-offs to loans | 0.1686% | 1,456 |
| Credit loss provision to net charge-offs | 257.3034% | 1,030 |
| Earnings coverage of net charge-offs (x) | 4.2022% | 3,078 |
| Efficiency ratio | 92.5690% | 608 |
| Assets per employee ($millions) | 2.4012% | 6,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 3,164 |
| Loan loss allowance to noncurrent loans | 81.0704% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 2.9129% | 582 |
| Noncurrent loans to loans | 1.6211% | 1,614 |
| Net loans and leases to total assets | 84.9052% | 298 |
| Net loans and leases to deposits | 96.7644% | 890 |
| Net loans and leases to core deposits | 99.7434% | 1,511 |
| Total domestic deposits to total assets | 87.7442% | 1,772 |
| Equity capital to assets | 8.0275% | 5,971 |
| Core capital (leverage) ratio | 8.0092% | 5,927 |
| Tier 1 risk-based capital ratio | 10.6979% | 5,844 |
| Total risk-based capital ratio | 11.9512% | 5,781 |
| Memoranda: | ||
| Average total assets | $126,407,330 | 4,034 |
| Average earning assets | $119,605,670 | 3,956 |
| Average equity | $9,864,330 | 4,771 |
| Average total loans | $105,585,330 | 3,336 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5959% | 1,228 |
| Cost of funding earning assets | 0.6114% | 1,355 |
| Net interest margin | 3.9844% | 1,611 |
| Noninterest income to average assets | 2.8989% | 228 |
| Noninterest expense to average assets | 6.7281% | 159 |
| Loan and lease loss provision to assets | 0.4032% | 282 |
| Net operating income to assets | -0.4667% | 6,234 |
| Return on assets (ROA) | -0.4667% | 6,246 |
| Pretax return on assets | -0.4667% | 6,236 |
| Return on Equity (ROE) | -6.0691% | 6,279 |
| Retained earnings to average equity (ytd only) | -6.0691% | 5,993 |
| Net charge-offs to loans | -0.0154% | 4,927 |
| Credit loss provision to net charge-offs | -3,175.0000% | 5,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9528% | 345 |
| Assets per employee ($millions) | 2.5466% | 6,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 3,338 |
| Loan loss allowance to noncurrent loans | 65.2670% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 3.7257% | 424 |
| Noncurrent loans to loans | 2.0086% | 1,301 |
| Net loans and leases to total assets | 84.5428% | 280 |
| Net loans and leases to deposits | 97.2360% | 748 |
| Net loans and leases to core deposits | 99.4182% | 1,363 |
| Total domestic deposits to total assets | 86.9459% | 2,402 |
| Equity capital to assets | 7.8252% | 6,097 |
| Core capital (leverage) ratio | 7.8335% | 6,019 |
| Tier 1 risk-based capital ratio | 10.2636% | 6,094 |
| Total risk-based capital ratio | 11.5159% | 6,040 |
| Memoranda: | ||
| Average total assets | $125,980,000 | 4,064 |
| Average earning assets | $119,063,500 | 3,993 |
| Average equity | $9,688,500 | 4,850 |
| Average total loans | $103,632,500 | 3,386 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5347% | 1,745 |
| Cost of funding earning assets | 0.6015% | 1,749 |
| Net interest margin | 3.9332% | 2,106 |
| Noninterest income to average assets | 0.7179% | 2,223 |
| Noninterest expense to average assets | 4.8807% | 337 |
| Loan and lease loss provision to assets | 0.4992% | 305 |
| Net operating income to assets | -0.9516% | 6,372 |
| Return on assets (ROA) | -0.9516% | 6,368 |
| Pretax return on assets | -0.9666% | 6,367 |
| Return on Equity (ROE) | -12.9249% | 6,394 |
| Retained earnings to average equity (ytd only) | -12.9249% | 6,360 |
| Net charge-offs to loans | 0.9362% | 340 |
| Credit loss provision to net charge-offs | 65.4984% | 3,172 |
| Earnings coverage of net charge-offs (x) | -0.6134% | 4,773 |
| Efficiency ratio | 110.5920% | 217 |
| Assets per employee ($millions) | 4.1543% | 3,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 3,300 |
| Loan loss allowance to noncurrent loans | 41.5016% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 4.4829% | 346 |
| Noncurrent loans to loans | 3.1879% | 684 |
| Net loans and leases to total assets | 77.7402% | 1,032 |
| Net loans and leases to deposits | 88.4166% | 1,689 |
| Net loans and leases to core deposits | 90.6281% | 2,223 |
| Total domestic deposits to total assets | 87.9249% | 1,815 |
| Equity capital to assets | 7.5529% | 6,224 |
| Core capital (leverage) ratio | 7.4373% | 6,224 |
| Tier 1 risk-based capital ratio | 10.3632% | 6,160 |
| Total risk-based capital ratio | 11.6155% | 6,104 |
| Memoranda: | ||
| Average total assets | $119,798,000 | 4,184 |
| Average earning assets | $112,554,000 | 4,121 |
| Average equity | $8,820,200 | 5,023 |
| Average total loans | $97,519,600 | 3,475 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5867% | 1,601 |
| Cost of funding earning assets | 0.5849% | 1,973 |
| Net interest margin | 4.0018% | 1,873 |
| Noninterest income to average assets | 0.6543% | 2,554 |
| Noninterest expense to average assets | 4.9176% | 326 |
| Loan and lease loss provision to assets | 0.5250% | 280 |
| Net operating income to assets | -1.0141% | 6,464 |
| Return on assets (ROA) | -1.0141% | 6,462 |
| Pretax return on assets | -1.0343% | 6,451 |
| Return on Equity (ROE) | -13.8681% | 6,484 |
| Retained earnings to average equity (ytd only) | -13.8681% | 6,434 |
| Net charge-offs to loans | 0.3383% | 1,186 |
| Credit loss provision to net charge-offs | 189.0688% | 1,332 |
| Earnings coverage of net charge-offs (x) | -1.8340% | 4,558 |
| Efficiency ratio | 111.5532% | 204 |
| Assets per employee ($millions) | 3.6374% | 4,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8246% | 1,644 |
| Loan loss allowance to noncurrent loans | 36.4757% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 5.6836% | 256 |
| Noncurrent loans to loans | 5.0023% | 367 |
| Net loans and leases to total assets | 79.7917% | 742 |
| Net loans and leases to deposits | 90.1080% | 1,418 |
| Net loans and leases to core deposits | 91.9879% | 2,038 |
| Total domestic deposits to total assets | 88.5512% | 1,477 |
| Equity capital to assets | 6.9733% | 6,383 |
| Core capital (leverage) ratio | 7.2245% | 6,347 |
| Tier 1 risk-based capital ratio | 9.6412% | 6,417 |
| Total risk-based capital ratio | 10.9008% | 6,386 |
| Memoranda: | ||
| Average total assets | $118,590,500 | 4,248 |
| Average earning assets | $111,246,000 | 4,187 |
| Average equity | $8,672,000 | 5,096 |
| Average total loans | $97,353,250 | 3,503 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5379% | 1,699 |
| Cost of funding earning assets | 0.5640% | 2,224 |
| Net interest margin | 3.9739% | 1,891 |
| Noninterest income to average assets | 0.5697% | 2,993 |
| Noninterest expense to average assets | 4.7255% | 381 |
| Loan and lease loss provision to assets | 0.6827% | 197 |
| Net operating income to assets | -1.0950% | 6,539 |
| Return on assets (ROA) | -1.0950% | 6,537 |
| Pretax return on assets | -1.1258% | 6,523 |
| Return on Equity (ROE) | -14.7330% | 6,548 |
| Retained earnings to average equity (ytd only) | -14.7330% | 6,490 |
| Net charge-offs to loans | 0.1994% | 1,833 |
| Credit loss provision to net charge-offs | 415.6250% | 675 |
| Earnings coverage of net charge-offs (x) | -2.6979% | 4,259 |
| Efficiency ratio | 110.3476% | 228 |
| Assets per employee ($millions) | 3.6764% | 4,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9235% | 1,523 |
| Loan loss allowance to noncurrent loans | 32.5688% | 5,716 |
| Noncurrent assets plus other real estate owned to assets | 6.8367% | 195 |
| Noncurrent loans to loans | 5.9061% | 274 |
| Net loans and leases to total assets | 83.0837% | 374 |
| Net loans and leases to deposits | 94.7205% | 906 |
| Net loans and leases to core deposits | 97.0664% | 1,520 |
| Total domestic deposits to total assets | 87.7146% | 2,079 |
| Equity capital to assets | 7.5720% | 6,335 |
| Core capital (leverage) ratio | 7.4979% | 6,315 |
| Tier 1 risk-based capital ratio | 10.1296% | 6,356 |
| Total risk-based capital ratio | 11.3911% | 6,316 |
| Memoranda: | ||
| Average total assets | $116,896,670 | 4,307 |
| Average earning assets | $109,213,670 | 4,261 |
| Average equity | $8,688,000 | 5,111 |
| Average total loans | $96,299,670 | 3,535 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2757% | 2,607 |
| Cost of funding earning assets | 0.5450% | 2,466 |
| Net interest margin | 3.7306% | 2,742 |
| Noninterest income to average assets | 0.2952% | 5,005 |
| Noninterest expense to average assets | 4.3768% | 510 |
| Loan and lease loss provision to assets | 0.6419% | 196 |
| Net operating income to assets | -1.1843% | 6,600 |
| Return on assets (ROA) | -1.1843% | 6,595 |
| Pretax return on assets | -1.2461% | 6,594 |
| Return on Equity (ROE) | -16.0877% | 6,610 |
| Retained earnings to average equity (ytd only) | -16.0877% | 6,483 |
| Net charge-offs to loans | 0.3086% | 1,143 |
| Credit loss provision to net charge-offs | 256.1644% | 892 |
| Earnings coverage of net charge-offs (x) | -2.4110% | 3,546 |
| Efficiency ratio | 116.0146% | 208 |
| Assets per employee ($millions) | 3.1290% | 5,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7713% | 2,124 |
| Loan loss allowance to noncurrent loans | 26.9873% | 5,933 |
| Noncurrent assets plus other real estate owned to assets | 7.5820% | 186 |
| Noncurrent loans to loans | 6.5636% | 250 |
| Net loans and leases to total assets | 82.7690% | 310 |
| Net loans and leases to deposits | 94.1982% | 773 |
| Net loans and leases to core deposits | 96.2659% | 1,366 |
| Total domestic deposits to total assets | 87.8669% | 2,307 |
| Equity capital to assets | 7.2572% | 6,388 |
| Core capital (leverage) ratio | 7.3859% | 6,377 |
| Tier 1 risk-based capital ratio | 9.5484% | 6,540 |
| Total risk-based capital ratio | 10.8076% | 6,526 |
| Memoranda: | ||
| Average total assets | $116,523,000 | 4,349 |
| Average earning assets | $108,615,000 | 4,307 |
| Average equity | $8,578,000 | 5,157 |
| Average total loans | $94,619,500 | 3,596 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4074% | 2,560 |
| Cost of funding earning assets | 0.6192% | 2,486 |
| Net interest margin | 3.7882% | 2,695 |
| Noninterest income to average assets | 0.9369% | 1,557 |
| Noninterest expense to average assets | 4.5358% | 513 |
| Loan and lease loss provision to assets | -0.2707% | 6,659 |
| Net operating income to assets | 0.1775% | 5,878 |
| Return on assets (ROA) | 0.1775% | 5,945 |
| Pretax return on assets | 0.1933% | 5,954 |
| Return on Equity (ROE) | 3.0022% | 5,509 |
| Retained earnings to average equity (ytd only) | 3.0022% | 4,102 |
| Net charge-offs to loans | 0.4360% | 1,522 |
| Credit loss provision to net charge-offs | -78.1726% | 5,838 |
| Earnings coverage of net charge-offs (x) | -0.2234% | 5,154 |
| Efficiency ratio | 101.7347% | 430 |
| Assets per employee ($millions) | 3.0861% | 5,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7604% | 2,186 |
| Loan loss allowance to noncurrent loans | 25.2227% | 6,065 |
| Noncurrent assets plus other real estate owned to assets | 7.9286% | 192 |
| Noncurrent loans to loans | 6.9793% | 244 |
| Net loans and leases to total assets | 76.8061% | 977 |
| Net loans and leases to deposits | 87.4910% | 1,520 |
| Net loans and leases to core deposits | 89.3829% | 2,095 |
| Total domestic deposits to total assets | 87.7874% | 2,315 |
| Equity capital to assets | 7.4647% | 6,304 |
| Core capital (leverage) ratio | 7.8503% | 6,218 |
| Tier 1 risk-based capital ratio | 11.2364% | 6,057 |
| Total risk-based capital ratio | 12.4966% | 5,996 |
| Memoranda: | ||
| Average total assets | $113,784,400 | 4,415 |
| Average earning assets | $105,776,000 | 4,369 |
| Average equity | $6,728,400 | 5,635 |
| Average total loans | $90,362,000 | 3,682 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5100% | 2,191 |
| Cost of funding earning assets | 0.6410% | 2,447 |
| Net interest margin | 3.8690% | 2,382 |
| Noninterest income to average assets | 1.2777% | 899 |
| Noninterest expense to average assets | 4.5627% | 487 |
| Loan and lease loss provision to assets | -0.0803% | 6,595 |
| Net operating income to assets | 0.3826% | 5,320 |
| Return on assets (ROA) | 0.3826% | 5,457 |
| Pretax return on assets | 0.3944% | 5,638 |
| Return on Equity (ROE) | 6.9429% | 3,685 |
| Retained earnings to average equity (ytd only) | 6.9429% | 1,907 |
| Net charge-offs to loans | 0.2295% | 2,430 |
| Credit loss provision to net charge-offs | -43.8710% | 5,698 |
| Earnings coverage of net charge-offs (x) | 1.7162% | 4,267 |
| Efficiency ratio | 93.5593% | 764 |
| Assets per employee ($millions) | 3.1056% | 5,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2908% | 1,195 |
| Loan loss allowance to noncurrent loans | 30.5503% | 5,972 |
| Noncurrent assets plus other real estate owned to assets | 8.3634% | 207 |
| Noncurrent loans to loans | 7.4985% | 253 |
| Net loans and leases to total assets | 77.6913% | 785 |
| Net loans and leases to deposits | 86.9962% | 1,491 |
| Net loans and leases to core deposits | 89.3426% | 2,039 |
| Total domestic deposits to total assets | 89.3043% | 1,403 |
| Equity capital to assets | 5.8326% | 6,712 |
| Core capital (leverage) ratio | 6.1266% | 6,702 |
| Tier 1 risk-based capital ratio | 9.2476% | 6,705 |
| Total risk-based capital ratio | 10.5181% | 6,693 |
| Memoranda: | ||
| Average total assets | $112,912,500 | 4,487 |
| Average earning assets | $105,038,750 | 4,428 |
| Average equity | $6,222,000 | 5,831 |
| Average total loans | $90,031,000 | 3,719 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5489% | 2,032 |
| Cost of funding earning assets | 0.6572% | 2,438 |
| Net interest margin | 3.8917% | 2,236 |
| Noninterest income to average assets | 1.0156% | 1,490 |
| Noninterest expense to average assets | 4.4277% | 563 |
| Loan and lease loss provision to assets | -0.3403% | 6,846 |
| Net operating income to assets | 0.5523% | 4,541 |
| Return on assets (ROA) | 0.5523% | 4,711 |
| Pretax return on assets | 0.5577% | 5,173 |
| Return on Equity (ROE) | 10.2276% | 2,116 |
| Retained earnings to average equity (ytd only) | 10.2276% | 799 |
| Net charge-offs to loans | 0.2009% | 2,557 |
| Credit loss provision to net charge-offs | -212.2222% | 5,745 |
| Earnings coverage of net charge-offs (x) | 1.3556% | 4,091 |
| Efficiency ratio | 95.3203% | 695 |
| Assets per employee ($millions) | 3.5178% | 4,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2867% | 1,279 |
| Loan loss allowance to noncurrent loans | 31.7579% | 5,950 |
| Noncurrent assets plus other real estate owned to assets | 8.1452% | 244 |
| Noncurrent loans to loans | 7.2005% | 323 |
| Net loans and leases to total assets | 77.2850% | 829 |
| Net loans and leases to deposits | 86.2213% | 1,556 |
| Net loans and leases to core deposits | 89.6075% | 1,940 |
| Total domestic deposits to total assets | 89.6357% | 1,238 |
| Equity capital to assets | 5.4909% | 6,792 |
| Core capital (leverage) ratio | 5.6001% | 6,787 |
| Tier 1 risk-based capital ratio | 8.5496% | 6,785 |
| Total risk-based capital ratio | 9.8197% | 6,787 |
| Memoranda: | ||
| Average total assets | $112,248,000 | 4,533 |
| Average earning assets | $104,685,330 | 4,463 |
| Average equity | $6,062,000 | 5,915 |
| Average total loans | $89,586,330 | 3,736 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6867% | 1,573 |
| Cost of funding earning assets | 0.6613% | 2,553 |
| Net interest margin | 4.0253% | 1,693 |
| Noninterest income to average assets | 1.2240% | 1,015 |
| Noninterest expense to average assets | 4.4215% | 574 |
| Loan and lease loss provision to assets | -0.2213% | 6,902 |
| Net operating income to assets | 0.7815% | 3,267 |
| Return on assets (ROA) | 0.7815% | 3,404 |
| Pretax return on assets | 0.7815% | 4,243 |
| Return on Equity (ROE) | 14.5939% | 845 |
| Retained earnings to average equity (ytd only) | 14.5939% | 386 |
| Net charge-offs to loans | 0.0757% | 3,089 |
| Credit loss provision to net charge-offs | -364.7059% | 5,395 |
| Earnings coverage of net charge-offs (x) | 9.2353% | 1,867 |
| Efficiency ratio | 88.7536% | 1,251 |
| Assets per employee ($millions) | 3.5570% | 4,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4959% | 1,123 |
| Loan loss allowance to noncurrent loans | 30.1564% | 6,025 |
| Noncurrent assets plus other real estate owned to assets | 10.1436% | 183 |
| Noncurrent loans to loans | 8.2766% | 312 |
| Net loans and leases to total assets | 79.2522% | 498 |
| Net loans and leases to deposits | 88.6523% | 1,083 |
| Net loans and leases to core deposits | 92.7263% | 1,435 |
| Total domestic deposits to total assets | 89.3966% | 1,421 |
| Equity capital to assets | 5.5420% | 6,860 |
| Core capital (leverage) ratio | 5.4138% | 6,852 |
| Tier 1 risk-based capital ratio | 8.3918% | 6,845 |
| Total risk-based capital ratio | 9.6571% | 6,847 |
| Memoranda: | ||
| Average total assets | $112,087,500 | 4,575 |
| Average earning assets | $104,637,000 | 4,502 |
| Average equity | $6,002,500 | 5,983 |
| Average total loans | $89,862,000 | 3,753 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9004% | 1,840 |
| Cost of funding earning assets | 0.8447% | 2,329 |
| Net interest margin | 4.0557% | 2,164 |
| Noninterest income to average assets | -1.1358% | 7,060 |
| Noninterest expense to average assets | 4.4660% | 593 |
| Loan and lease loss provision to assets | 1.0852% | 354 |
| Net operating income to assets | -2.9519% | 7,004 |
| Return on assets (ROA) | -2.9519% | 7,008 |
| Pretax return on assets | -2.9519% | 7,010 |
| Return on Equity (ROE) | -41.1967% | 7,000 |
| Retained earnings to average equity (ytd only) | -41.1967% | 6,990 |
| Net charge-offs to loans | 2.6519% | 221 |
| Credit loss provision to net charge-offs | 50.6214% | 4,685 |
| Earnings coverage of net charge-offs (x) | -0.8708% | 5,739 |
| Efficiency ratio | 171.8141% | 64 |
| Assets per employee ($millions) | 3.9279% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5705% | 1,044 |
| Loan loss allowance to noncurrent loans | 27.5517% | 6,159 |
| Noncurrent assets plus other real estate owned to assets | 10.2144% | 212 |
| Noncurrent loans to loans | 9.3298% | 269 |
| Net loans and leases to total assets | 77.0639% | 780 |
| Net loans and leases to deposits | 85.7020% | 1,551 |
| Net loans and leases to core deposits | 89.2474% | 1,932 |
| Total domestic deposits to total assets | 89.9208% | 989 |
| Equity capital to assets | 5.1744% | 6,941 |
| Core capital (leverage) ratio | 5.1122% | 6,927 |
| Tier 1 risk-based capital ratio | 8.3788% | 6,895 |
| Total risk-based capital ratio | 9.6546% | 6,897 |
| Memoranda: | ||
| Average total assets | $112,607,000 | 4,533 |
| Average earning assets | $103,706,400 | 4,500 |
| Average equity | $8,068,600 | 5,482 |
| Average total loans | $91,029,000 | 3,721 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0417% | 1,576 |
| Cost of funding earning assets | 0.8973% | 2,190 |
| Net interest margin | 4.1444% | 1,923 |
| Noninterest income to average assets | 0.0748% | 6,715 |
| Noninterest expense to average assets | 5.4481% | 277 |
| Loan and lease loss provision to assets | 0.5486% | 1,062 |
| Net operating income to assets | -2.1208% | 7,053 |
| Return on assets (ROA) | -2.1208% | 7,062 |
| Pretax return on assets | -2.1208% | 7,047 |
| Return on Equity (ROE) | -27.6498% | 7,050 |
| Retained earnings to average equity (ytd only) | -27.6498% | 7,041 |
| Net charge-offs to loans | 2.0337% | 350 |
| Credit loss provision to net charge-offs | 33.1897% | 4,747 |
| Earnings coverage of net charge-offs (x) | -0.9512% | 5,569 |
| Efficiency ratio | 140.5637% | 116 |
| Assets per employee ($millions) | 3.6645% | 4,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7685% | 912 |
| Loan loss allowance to noncurrent loans | 31.8232% | 6,046 |
| Noncurrent assets plus other real estate owned to assets | 10.8204% | 200 |
| Noncurrent loans to loans | 8.6997% | 336 |
| Net loans and leases to total assets | 79.7007% | 530 |
| Net loans and leases to deposits | 90.1964% | 1,125 |
| Net loans and leases to core deposits | 94.2605% | 1,563 |
| Total domestic deposits to total assets | 88.3636% | 1,802 |
| Equity capital to assets | 6.5475% | 6,937 |
| Core capital (leverage) ratio | 6.5736% | 6,871 |
| Tier 1 risk-based capital ratio | 9.8510% | 6,831 |
| Total risk-based capital ratio | 11.1280% | 6,810 |
| Memoranda: | ||
| Average total assets | $112,281,750 | 4,576 |
| Average earning assets | $102,979,000 | 4,575 |
| Average equity | $8,612,250 | 5,376 |
| Average total loans | $91,261,750 | 3,753 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2584% | 1,127 |
| Cost of funding earning assets | 0.9632% | 1,975 |
| Net interest margin | 4.2952% | 1,488 |
| Noninterest income to average assets | -0.0662% | 7,067 |
| Noninterest expense to average assets | 4.5493% | 530 |
| Loan and lease loss provision to assets | 0.4846% | 1,309 |
| Net operating income to assets | -1.1767% | 6,952 |
| Return on assets (ROA) | -1.1767% | 6,970 |
| Pretax return on assets | -1.1767% | 6,942 |
| Return on Equity (ROE) | -14.6163% | 6,972 |
| Retained earnings to average equity (ytd only) | -14.6163% | 6,931 |
| Net charge-offs to loans | 2.2131% | 349 |
| Credit loss provision to net charge-offs | 27.0189% | 4,484 |
| Earnings coverage of net charge-offs (x) | -0.3858% | 5,207 |
| Efficiency ratio | 117.9416% | 243 |
| Assets per employee ($millions) | 3.0820% | 5,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1177% | 701 |
| Loan loss allowance to noncurrent loans | 37.3822% | 5,786 |
| Noncurrent assets plus other real estate owned to assets | 11.9690% | 183 |
| Noncurrent loans to loans | 8.3401% | 397 |
| Net loans and leases to total assets | 77.7482% | 755 |
| Net loans and leases to deposits | 89.0118% | 1,253 |
| Net loans and leases to core deposits | 94.4520% | 1,557 |
| Total domestic deposits to total assets | 87.3460% | 2,569 |
| Equity capital to assets | 7.7096% | 6,710 |
| Core capital (leverage) ratio | 7.5080% | 6,626 |
| Tier 1 risk-based capital ratio | 11.7634% | 6,081 |
| Total risk-based capital ratio | 13.0578% | 6,026 |
| Memoranda: | ||
| Average total assets | $111,842,330 | 4,623 |
| Average earning assets | $102,160,000 | 4,622 |
| Average equity | $9,003,670 | 5,267 |
| Average total loans | $90,643,000 | 3,788 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0750% | 1,652 |
| Cost of funding earning assets | 1.0407% | 1,743 |
| Net interest margin | 4.0343% | 2,356 |
| Noninterest income to average assets | 0.2494% | 5,859 |
| Noninterest expense to average assets | 4.4885% | 556 |
| Loan and lease loss provision to assets | -0.6804% | 7,273 |
| Net operating income to assets | 0.1282% | 6,177 |
| Return on assets (ROA) | 0.1282% | 6,304 |
| Pretax return on assets | 0.1282% | 6,339 |
| Return on Equity (ROE) | 1.5604% | 6,206 |
| Retained earnings to average equity (ytd only) | 1.5604% | 5,456 |
| Net charge-offs to loans | 1.0104% | 1,025 |
| Credit loss provision to net charge-offs | -82.6840% | 5,470 |
| Earnings coverage of net charge-offs (x) | -0.6710% | 4,526 |
| Efficiency ratio | 114.0271% | 287 |
| Assets per employee ($millions) | 3.3128% | 5,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4124% | 572 |
| Loan loss allowance to noncurrent loans | 33.7047% | 5,984 |
| Noncurrent assets plus other real estate owned to assets | 13.4957% | 149 |
| Noncurrent loans to loans | 10.1244% | 298 |
| Net loans and leases to total assets | 77.5498% | 633 |
| Net loans and leases to deposits | 89.2956% | 1,031 |
| Net loans and leases to core deposits | 95.0179% | 1,374 |
| Total domestic deposits to total assets | 86.8461% | 3,044 |
| Equity capital to assets | 8.2158% | 6,346 |
| Core capital (leverage) ratio | 8.3102% | 5,857 |
| Tier 1 risk-based capital ratio | 12.9265% | 5,262 |
| Total risk-based capital ratio | 14.2143% | 5,213 |
| Memoranda: | ||
| Average total assets | $112,287,000 | 4,646 |
| Average earning assets | $102,620,000 | 4,640 |
| Average equity | $9,228,500 | 5,237 |
| Average total loans | $91,444,500 | 3,790 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8582% | 3,555 |
| Cost of funding earning assets | 1.3993% | 1,042 |
| Net interest margin | 3.4589% | 5,292 |
| Noninterest income to average assets | -0.2894% | 7,196 |
| Noninterest expense to average assets | 3.7225% | 1,494 |
| Loan and lease loss provision to assets | 1.1360% | 794 |
| Net operating income to assets | -1.9833% | 7,028 |
| Return on assets (ROA) | -1.9833% | 7,033 |
| Pretax return on assets | -1.9833% | 7,019 |
| Return on Equity (ROE) | -23.5688% | 7,033 |
| Retained earnings to average equity (ytd only) | -23.5688% | 7,021 |
| Net charge-offs to loans | 2.2231% | 570 |
| Credit loss provision to net charge-offs | 64.4455% | 5,046 |
| Earnings coverage of net charge-offs (x) | -0.4807% | 6,076 |
| Efficiency ratio | 129.4718% | 235 |
| Assets per employee ($millions) | 3.1982% | 5,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7943% | 437 |
| Loan loss allowance to noncurrent loans | 32.7147% | 6,031 |
| Noncurrent assets plus other real estate owned to assets | 14.1855% | 145 |
| Noncurrent loans to loans | 11.5982% | 239 |
| Net loans and leases to total assets | 79.4601% | 546 |
| Net loans and leases to deposits | 91.4809% | 1,017 |
| Net loans and leases to core deposits | 97.3471% | 1,386 |
| Total domestic deposits to total assets | 86.8597% | 2,844 |
| Equity capital to assets | 8.2215% | 6,415 |
| Core capital (leverage) ratio | 7.8534% | 6,399 |
| Tier 1 risk-based capital ratio | 12.6814% | 5,318 |
| Total risk-based capital ratio | 13.9891% | 5,255 |
| Memoranda: | ||
| Average total assets | $119,193,600 | 4,422 |
| Average earning assets | $109,052,800 | 4,418 |
| Average equity | $10,030,200 | 5,005 |
| Average total loans | $94,506,200 | 3,757 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8623% | 3,718 |
| Cost of funding earning assets | 1.4424% | 1,051 |
| Net interest margin | 3.4199% | 5,510 |
| Noninterest income to average assets | 0.1917% | 6,219 |
| Noninterest expense to average assets | 3.8289% | 1,264 |
| Loan and lease loss provision to assets | 0.4506% | 2,214 |
| Net operating income to assets | -0.9608% | 6,870 |
| Return on assets (ROA) | -0.9608% | 6,902 |
| Pretax return on assets | -0.9608% | 6,859 |
| Return on Equity (ROE) | -11.3572% | 6,929 |
| Retained earnings to average equity (ytd only) | -11.3572% | 6,896 |
| Net charge-offs to loans | 1.5758% | 898 |
| Credit loss provision to net charge-offs | 36.4203% | 5,312 |
| Earnings coverage of net charge-offs (x) | -0.4123% | 5,805 |
| Efficiency ratio | 115.3718% | 354 |
| Assets per employee ($millions) | 3.6678% | 4,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8429% | 443 |
| Loan loss allowance to noncurrent loans | 35.0247% | 5,958 |
| Noncurrent assets plus other real estate owned to assets | 13.3026% | 183 |
| Noncurrent loans to loans | 10.9720% | 294 |
| Net loans and leases to total assets | 75.4916% | 1,060 |
| Net loans and leases to deposits | 87.5117% | 1,494 |
| Net loans and leases to core deposits | 93.1633% | 1,862 |
| Total domestic deposits to total assets | 86.2646% | 3,060 |
| Equity capital to assets | 9.0536% | 5,685 |
| Core capital (leverage) ratio | 8.9425% | 5,025 |
| Tier 1 risk-based capital ratio | 13.8090% | 4,492 |
| Total risk-based capital ratio | 15.1006% | 4,417 |
| Memoranda: | ||
| Average total assets | $121,007,500 | 4,391 |
| Average earning assets | $110,645,000 | 4,403 |
| Average equity | $10,237,000 | 4,983 |
| Average total loans | $95,019,250 | 3,780 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8370% | 3,924 |
| Cost of funding earning assets | 1.4792% | 1,076 |
| Net interest margin | 3.3578% | 5,689 |
| Noninterest income to average assets | 0.1947% | 6,275 |
| Noninterest expense to average assets | 4.0222% | 1,016 |
| Loan and lease loss provision to assets | 0.3567% | 2,646 |
| Net operating income to assets | -1.1160% | 6,980 |
| Return on assets (ROA) | -1.1160% | 6,988 |
| Pretax return on assets | -1.1160% | 6,933 |
| Return on Equity (ROE) | -13.4952% | 7,025 |
| Retained earnings to average equity (ytd only) | -13.4952% | 6,989 |
| Net charge-offs to loans | 2.1463% | 601 |
| Credit loss provision to net charge-offs | 21.1650% | 5,118 |
| Earnings coverage of net charge-offs (x) | -0.4505% | 5,513 |
| Efficiency ratio | 123.2698% | 309 |
| Assets per employee ($millions) | 4.2673% | 3,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7579% | 488 |
| Loan loss allowance to noncurrent loans | 36.0071% | 5,901 |
| Noncurrent assets plus other real estate owned to assets | 12.7548% | 218 |
| Noncurrent loans to loans | 10.4366% | 360 |
| Net loans and leases to total assets | 73.7982% | 1,452 |
| Net loans and leases to deposits | 85.4718% | 1,864 |
| Net loans and leases to core deposits | 91.4633% | 2,204 |
| Total domestic deposits to total assets | 86.3421% | 3,134 |
| Equity capital to assets | 9.0380% | 5,526 |
| Core capital (leverage) ratio | 8.8500% | 4,963 |
| Tier 1 risk-based capital ratio | 13.6661% | 4,404 |
| Total risk-based capital ratio | 14.9552% | 4,353 |
| Memoranda: | ||
| Average total assets | $122,220,670 | 4,383 |
| Average earning assets | $111,681,670 | 4,396 |
| Average equity | $10,107,330 | 5,021 |
| Average total loans | $95,977,670 | 3,799 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8326% | 3,900 |
| Cost of funding earning assets | 1.4706% | 1,294 |
| Net interest margin | 3.3620% | 5,575 |
| Noninterest income to average assets | 0.1618% | 6,569 |
| Noninterest expense to average assets | 4.0554% | 970 |
| Loan and lease loss provision to assets | 0.2622% | 3,040 |
| Net operating income to assets | -1.0778% | 7,063 |
| Return on assets (ROA) | -1.0778% | 7,071 |
| Pretax return on assets | -1.0778% | 7,021 |
| Return on Equity (ROE) | -13.6454% | 7,119 |
| Retained earnings to average equity (ytd only) | -13.6454% | 6,999 |
| Net charge-offs to loans | 0.1426% | 3,646 |
| Credit loss provision to net charge-offs | 231.4286% | 1,324 |
| Earnings coverage of net charge-offs (x) | -7.2000% | 5,044 |
| Efficiency ratio | 125.1748% | 303 |
| Assets per employee ($millions) | 4.8682% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4449% | 298 |
| Loan loss allowance to noncurrent loans | 30.8161% | 6,249 |
| Noncurrent assets plus other real estate owned to assets | 16.2169% | 127 |
| Noncurrent loans to loans | 14.4239% | 170 |
| Net loans and leases to total assets | 75.9716% | 1,035 |
| Net loans and leases to deposits | 86.9977% | 1,595 |
| Net loans and leases to core deposits | 93.5140% | 1,950 |
| Total domestic deposits to total assets | 87.3260% | 2,750 |
| Equity capital to assets | 8.0588% | 6,440 |
| Core capital (leverage) ratio | 8.0022% | 6,257 |
| Tier 1 risk-based capital ratio | 11.8557% | 5,813 |
| Total risk-based capital ratio | 13.1552% | 5,767 |
| Memoranda: | ||
| Average total assets | $123,589,000 | 4,381 |
| Average earning assets | $113,147,500 | 4,373 |
| Average equity | $9,761,500 | 5,103 |
| Average total loans | $98,156,500 | 3,767 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1697% | 3,753 |
| Cost of funding earning assets | 1.9245% | 779 |
| Net interest margin | 3.2452% | 6,152 |
| Noninterest income to average assets | 0.2114% | 6,293 |
| Noninterest expense to average assets | 3.5692% | 2,002 |
| Loan and lease loss provision to assets | 2.3359% | 508 |
| Net operating income to assets | -3.4288% | 7,366 |
| Return on assets (ROA) | -3.4288% | 7,378 |
| Pretax return on assets | -2.7461% | 7,233 |
| Return on Equity (ROE) | -39.6260% | 7,344 |
| Retained earnings to average equity (ytd only) | -39.6260% | 7,336 |
| Net charge-offs to loans | 2.5735% | 723 |
| Credit loss provision to net charge-offs | 115.7272% | 3,728 |
| Earnings coverage of net charge-offs (x) | -0.2032% | 6,295 |
| Efficiency ratio | 112.9835% | 492 |
| Assets per employee ($millions) | 5.0189% | 2,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2742% | 316 |
| Loan loss allowance to noncurrent loans | 28.5016% | 6,383 |
| Noncurrent assets plus other real estate owned to assets | 15.9956% | 134 |
| Noncurrent loans to loans | 14.9965% | 163 |
| Net loans and leases to total assets | 75.9492% | 1,282 |
| Net loans and leases to deposits | 86.6365% | 1,986 |
| Net loans and leases to core deposits | 92.5176% | 2,437 |
| Total domestic deposits to total assets | 87.6642% | 2,445 |
| Equity capital to assets | 7.7428% | 6,715 |
| Core capital (leverage) ratio | 7.1954% | 6,910 |
| Tier 1 risk-based capital ratio | 11.4538% | 5,947 |
| Total risk-based capital ratio | 12.7509% | 5,913 |
| Memoranda: | ||
| Average total assets | $142,383,400 | 4,017 |
| Average earning assets | $129,330,000 | 4,032 |
| Average equity | $12,320,200 | 4,520 |
| Average total loans | $111,678,400 | 3,503 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2458% | 3,601 |
| Cost of funding earning assets | 2.0096% | 726 |
| Net interest margin | 3.2362% | 6,225 |
| Noninterest income to average assets | 0.1591% | 6,723 |
| Noninterest expense to average assets | 3.1375% | 3,152 |
| Loan and lease loss provision to assets | 1.8534% | 672 |
| Net operating income to assets | -1.8998% | 7,212 |
| Return on assets (ROA) | -1.8998% | 7,227 |
| Pretax return on assets | -1.8998% | 7,171 |
| Return on Equity (ROE) | -21.4722% | 7,251 |
| Retained earnings to average equity (ytd only) | -21.4722% | 7,237 |
| Net charge-offs to loans | 0.9659% | 2,068 |
| Credit loss provision to net charge-offs | 245.2467% | 1,367 |
| Earnings coverage of net charge-offs (x) | -0.0614% | 6,079 |
| Efficiency ratio | 101.5004% | 700 |
| Assets per employee ($millions) | 5.6260% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5044% | 248 |
| Loan loss allowance to noncurrent loans | 28.9462% | 6,393 |
| Noncurrent assets plus other real estate owned to assets | 14.1085% | 187 |
| Noncurrent loans to loans | 15.5614% | 150 |
| Net loans and leases to total assets | 78.6625% | 934 |
| Net loans and leases to deposits | 92.4492% | 1,392 |
| Net loans and leases to core deposits | 98.6010% | 1,979 |
| Total domestic deposits to total assets | 85.0872% | 3,578 |
| Equity capital to assets | 9.2879% | 5,164 |
| Core capital (leverage) ratio | 8.1496% | 6,123 |
| Tier 1 risk-based capital ratio | 13.3841% | 4,286 |
| Total risk-based capital ratio | 14.6912% | 4,192 |
| Memoranda: | ||
| Average total assets | $146,611,250 | 3,988 |
| Average earning assets | $132,826,500 | 4,011 |
| Average equity | $12,971,500 | 4,448 |
| Average total loans | $114,710,500 | 3,483 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2757% | 3,582 |
| Cost of funding earning assets | 2.1213% | 612 |
| Net interest margin | 3.1544% | 6,451 |
| Noninterest income to average assets | 0.1249% | 6,971 |
| Noninterest expense to average assets | 2.9228% | 3,992 |
| Loan and lease loss provision to assets | 0.2153% | 4,739 |
| Net operating income to assets | -0.1887% | 6,343 |
| Return on assets (ROA) | -0.1887% | 6,392 |
| Pretax return on assets | -0.1887% | 6,326 |
| Return on Equity (ROE) | -2.1655% | 6,434 |
| Retained earnings to average equity (ytd only) | -2.1655% | 6,174 |
| Net charge-offs to loans | 1.3135% | 1,448 |
| Credit loss provision to net charge-offs | 21.2878% | 5,839 |
| Earnings coverage of net charge-offs (x) | 0.0263% | 5,693 |
| Efficiency ratio | 99.0987% | 838 |
| Assets per employee ($millions) | 5.9212% | 1,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7796% | 1,018 |
| Loan loss allowance to noncurrent loans | 23.4794% | 6,761 |
| Noncurrent assets plus other real estate owned to assets | 10.7324% | 348 |
| Noncurrent loans to loans | 11.8383% | 297 |
| Net loans and leases to total assets | 75.7054% | 1,542 |
| Net loans and leases to deposits | 88.8285% | 2,029 |
| Net loans and leases to core deposits | 96.4689% | 2,398 |
| Total domestic deposits to total assets | 85.2265% | 3,504 |
| Equity capital to assets | 9.6609% | 4,451 |
| Core capital (leverage) ratio | 8.6692% | 5,130 |
| Tier 1 risk-based capital ratio | 14.3043% | 3,535 |
| Total risk-based capital ratio | 15.5818% | 3,492 |
| Memoranda: | ||
| Average total assets | $150,473,330 | 3,944 |
| Average earning assets | $134,730,670 | 4,009 |
| Average equity | $13,115,000 | 4,410 |
| Average total loans | $115,872,670 | 3,483 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5124% | 2,526 |
| Cost of funding earning assets | 2.2418% | 518 |
| Net interest margin | 3.2706% | 6,068 |
| Noninterest income to average assets | 0.0817% | 7,294 |
| Noninterest expense to average assets | 2.7793% | 4,565 |
| Loan and lease loss provision to assets | 0.0316% | 6,359 |
| Net operating income to assets | 0.0659% | 6,117 |
| Return on assets (ROA) | 0.0659% | 6,225 |
| Pretax return on assets | 0.1292% | 6,063 |
| Return on Equity (ROE) | 0.7986% | 6,176 |
| Retained earnings to average equity (ytd only) | 0.7986% | 5,500 |
| Net charge-offs to loans | 2.4205% | 687 |
| Credit loss provision to net charge-offs | 1.7070% | 5,110 |
| Earnings coverage of net charge-offs (x) | 0.0868% | 4,953 |
| Efficiency ratio | 94.5291% | 1,106 |
| Assets per employee ($millions) | 5.9422% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7019% | 1,082 |
| Loan loss allowance to noncurrent loans | 27.6254% | 6,556 |
| Noncurrent assets plus other real estate owned to assets | 10.1109% | 391 |
| Noncurrent loans to loans | 9.7805% | 437 |
| Net loans and leases to total assets | 72.5360% | 2,321 |
| Net loans and leases to deposits | 81.9513% | 3,292 |
| Net loans and leases to core deposits | 91.9448% | 3,113 |
| Total domestic deposits to total assets | 88.5111% | 1,783 |
| Equity capital to assets | 8.5083% | 5,991 |
| Core capital (leverage) ratio | 8.0399% | 6,178 |
| Tier 1 risk-based capital ratio | 12.5762% | 4,666 |
| Total risk-based capital ratio | 13.8506% | 4,603 |
| Memoranda: | ||
| Average total assets | $151,695,500 | 3,988 |
| Average earning assets | $132,574,500 | 4,109 |
| Average equity | $12,522,000 | 4,584 |
| Average total loans | $116,174,000 | 3,537 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8275% | 2,540 |
| Cost of funding earning assets | 2.8383% | 392 |
| Net interest margin | 2.9892% | 6,674 |
| Noninterest income to average assets | 0.1481% | 6,993 |
| Noninterest expense to average assets | 2.7460% | 5,174 |
| Loan and lease loss provision to assets | 2.8618% | 636 |
| Net operating income to assets | -1.8754% | 7,037 |
| Return on assets (ROA) | -1.8754% | 7,037 |
| Pretax return on assets | -2.7762% | 7,230 |
| Return on Equity (ROE) | -19.0892% | 7,114 |
| Retained earnings to average equity (ytd only) | -19.0892% | 7,072 |
| Net charge-offs to loans | 1.6062% | 1,572 |
| Credit loss provision to net charge-offs | 218.5523% | 1,731 |
| Earnings coverage of net charge-offs (x) | 0.0654% | 6,096 |
| Efficiency ratio | 96.9750% | 1,270 |
| Assets per employee ($millions) | 5.7267% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2457% | 638 |
| Loan loss allowance to noncurrent loans | 31.5549% | 6,360 |
| Noncurrent assets plus other real estate owned to assets | 11.0616% | 299 |
| Noncurrent loans to loans | 10.2859% | 388 |
| Net loans and leases to total assets | 76.1394% | 1,756 |
| Net loans and leases to deposits | 85.5807% | 2,984 |
| Net loans and leases to core deposits | 140.5335% | 792 |
| Total domestic deposits to total assets | 88.9680% | 1,495 |
| Equity capital to assets | 7.9916% | 6,591 |
| Core capital (leverage) ratio | 7.5642% | 6,725 |
| Tier 1 risk-based capital ratio | 11.4765% | 5,412 |
| Total risk-based capital ratio | 12.7605% | 5,349 |
| Memoranda: | ||
| Average total assets | $142,426,600 | 4,068 |
| Average earning assets | $127,860,000 | 4,136 |
| Average equity | $13,992,200 | 4,250 |
| Average total loans | $116,112,800 | 3,565 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0641% | 1,786 |
| Cost of funding earning assets | 2.9275% | 408 |
| Net interest margin | 3.1367% | 6,213 |
| Noninterest income to average assets | 0.1240% | 7,267 |
| Noninterest expense to average assets | 2.4136% | 6,372 |
| Loan and lease loss provision to assets | 0.4280% | 3,761 |
| Net operating income to assets | 0.0606% | 5,576 |
| Return on assets (ROA) | 0.0606% | 5,617 |
| Pretax return on assets | 0.1648% | 5,373 |
| Return on Equity (ROE) | 0.5879% | 5,620 |
| Retained earnings to average equity (ytd only) | 0.5879% | 4,958 |
| Net charge-offs to loans | 1.1682% | 1,732 |
| Credit loss provision to net charge-offs | 44.5320% | 6,381 |
| Earnings coverage of net charge-offs (x) | 0.6168% | 5,410 |
| Efficiency ratio | 80.2835% | 2,797 |
| Assets per employee ($millions) | 5.9260% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8624% | 6,916 |
| Loan loss allowance to noncurrent loans | 29.2081% | 6,517 |
| Noncurrent assets plus other real estate owned to assets | 4.2721% | 1,458 |
| Noncurrent loans to loans | 2.9524% | 2,568 |
| Net loans and leases to total assets | 83.1758% | 648 |
| Net loans and leases to deposits | 96.1350% | 1,558 |
| Net loans and leases to core deposits | 145.7332% | 699 |
| Total domestic deposits to total assets | 86.5199% | 2,414 |
| Equity capital to assets | 10.2732% | 3,760 |
| Core capital (leverage) ratio | 10.4292% | 2,850 |
| Tier 1 risk-based capital ratio | 14.4575% | 3,303 |
| Total risk-based capital ratio | 15.4747% | 3,373 |
| Memoranda: | ||
| Average total assets | $140,809,750 | 4,123 |
| Average earning assets | $129,391,750 | 4,118 |
| Average equity | $14,515,500 | 4,184 |
| Average total loans | $115,848,500 | 3,598 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8709% | 2,711 |
| Cost of funding earning assets | 3.0182% | 443 |
| Net interest margin | 2.8528% | 6,905 |
| Noninterest income to average assets | 0.1169% | 7,404 |
| Noninterest expense to average assets | 2.3899% | 6,496 |
| Loan and lease loss provision to assets | 0.3777% | 3,663 |
| Net operating income to assets | -0.1154% | 6,037 |
| Return on assets (ROA) | -0.1154% | 6,071 |
| Pretax return on assets | -0.0200% | 5,890 |
| Return on Equity (ROE) | -1.1185% | 6,087 |
| Retained earnings to average equity (ytd only) | -1.1185% | 5,514 |
| Net charge-offs to loans | 0.2075% | 4,214 |
| Credit loss provision to net charge-offs | 222.6891% | 2,060 |
| Earnings coverage of net charge-offs (x) | 2.1092% | 4,017 |
| Efficiency ratio | 86.9813% | 2,123 |
| Assets per employee ($millions) | 6.0482% | 1,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 3,308 |
| Loan loss allowance to noncurrent loans | 30.2103% | 6,459 |
| Noncurrent assets plus other real estate owned to assets | 5.3081% | 961 |
| Noncurrent loans to loans | 4.8998% | 1,270 |
| Net loans and leases to total assets | 83.1542% | 766 |
| Net loans and leases to deposits | 98.7612% | 1,427 |
| Net loans and leases to core deposits | 146.1558% | 753 |
| Total domestic deposits to total assets | 84.1973% | 3,648 |
| Equity capital to assets | 10.3847% | 3,531 |
| Core capital (leverage) ratio | 10.5734% | 2,748 |
| Tier 1 risk-based capital ratio | 14.5788% | 3,204 |
| Total risk-based capital ratio | 15.8363% | 3,141 |
| Memoranda: | ||
| Average total assets | $140,338,330 | 4,164 |
| Average earning assets | $129,417,000 | 4,147 |
| Average equity | $14,483,670 | 4,201 |
| Average total loans | $114,689,670 | 3,654 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0114% | 2,313 |
| Cost of funding earning assets | 3.1123% | 446 |
| Net interest margin | 2.8991% | 6,748 |
| Noninterest income to average assets | 0.0908% | 7,600 |
| Noninterest expense to average assets | 2.2476% | 6,700 |
| Loan and lease loss provision to assets | 0.4541% | 2,652 |
| Net operating income to assets | 0.0397% | 6,161 |
| Return on assets (ROA) | 0.0397% | 6,306 |
| Pretax return on assets | 0.0908% | 6,187 |
| Return on Equity (ROE) | 0.3861% | 6,311 |
| Retained earnings to average equity (ytd only) | 0.3861% | 5,503 |
| Net charge-offs to loans | 0.4412% | 2,346 |
| Credit loss provision to net charge-offs | 128.0000% | 3,121 |
| Earnings coverage of net charge-offs (x) | 1.5360% | 3,959 |
| Efficiency ratio | 80.4878% | 2,746 |
| Assets per employee ($millions) | 6.1363% | 1,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4310% | 3,338 |
| Loan loss allowance to noncurrent loans | 41.3995% | 5,786 |
| Noncurrent assets plus other real estate owned to assets | 4.0897% | 1,248 |
| Noncurrent loans to loans | 3.4565% | 1,847 |
| Net loans and leases to total assets | 83.0175% | 842 |
| Net loans and leases to deposits | 98.2881% | 1,623 |
| Net loans and leases to core deposits | 140.2337% | 1,090 |
| Total domestic deposits to total assets | 84.4635% | 3,477 |
| Equity capital to assets | 10.7557% | 3,231 |
| Core capital (leverage) ratio | 10.1422% | 3,246 |
| Tier 1 risk-based capital ratio | 14.9363% | 3,100 |
| Total risk-based capital ratio | 16.1913% | 3,027 |
| Memoranda: | ||
| Average total assets | $140,953,000 | 4,171 |
| Average earning assets | $131,351,000 | 4,125 |
| Average equity | $14,502,500 | 4,228 |
| Average total loans | $113,328,000 | 3,712 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9439% | 1,274 |
| Cost of funding earning assets | 3.5858% | 408 |
| Net interest margin | 3.3581% | 5,832 |
| Noninterest income to average assets | 0.0727% | 7,777 |
| Noninterest expense to average assets | 2.1859% | 7,002 |
| Loan and lease loss provision to assets | 0.7650% | 1,951 |
| Net operating income to assets | 0.1754% | 5,927 |
| Return on assets (ROA) | 0.1754% | 5,755 |
| Pretax return on assets | 0.3272% | 5,453 |
| Return on Equity (ROE) | 1.5499% | 5,754 |
| Retained earnings to average equity (ytd only) | 1.5499% | 4,293 |
| Net charge-offs to loans | 0.3705% | 2,990 |
| Credit loss provision to net charge-offs | 248.2051% | 1,878 |
| Earnings coverage of net charge-offs (x) | 3.5436% | 4,319 |
| Efficiency ratio | 66.6827% | 4,978 |
| Assets per employee ($millions) | 6.3873% | 939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 3,144 |
| Loan loss allowance to noncurrent loans | 36.9631% | 6,263 |
| Noncurrent assets plus other real estate owned to assets | 3.5281% | 1,260 |
| Noncurrent loans to loans | 3.8130% | 1,304 |
| Net loans and leases to total assets | 75.8059% | 2,679 |
| Net loans and leases to deposits | 92.9451% | 2,964 |
| Net loans and leases to core deposits | 125.3010% | 2,227 |
| Total domestic deposits to total assets | 81.5599% | 4,384 |
| Equity capital to assets | 9.8599% | 4,210 |
| Core capital (leverage) ratio | 10.1638% | 3,310 |
| Tier 1 risk-based capital ratio | 14.2336% | 3,427 |
| Total risk-based capital ratio | 15.4924% | 3,344 |
| Memoranda: | ||
| Average total assets | $126,538,000 | 4,362 |
| Average earning assets | $120,781,400 | 4,236 |
| Average equity | $14,323,200 | 4,264 |
| Average total loans | $105,268,800 | 3,814 |