Home > Bluegrass Community Bank > Performance and Condition Ratios
Bluegrass Community Bank, Performance and Condition Ratios
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1382% | 3,323 |
| Cost of funding earning assets | 0.8735% | 815 |
| Net interest margin | 3.2647% | 4,342 |
| Noninterest income to average assets | 0.3395% | 3,913 |
| Noninterest expense to average assets | 5.9211% | 140 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -2.7011% | 5,518 |
| Return on assets (ROA) | -2.7011% | 5,514 |
| Pretax return on assets | -2.7011% | 5,513 |
| Return on Equity (ROE) | -26.4409% | 5,518 |
| Retained earnings to average equity (ytd only) | -26.4409% | 5,507 |
| Net charge-offs to loans | 0.0191% | 2,511 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -236.0000% | 3,205 |
| Efficiency ratio | 183.8863% | 15 |
| Assets per employee ($millions) | 4.8986% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6897% | 201 |
| Loan loss allowance to noncurrent loans | 126.6348% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 1.7760% | 665 |
| Noncurrent loans to loans | 2.1240% | 669 |
| Net loans and leases to total assets | 58.6412% | 3,936 |
| Net loans and leases to deposits | 71.4559% | 3,751 |
| Net loans and leases to core deposits | 74.5897% | 3,836 |
| Total domestic deposits to total assets | 82.0663% | 3,700 |
| Equity capital to assets | 9.9865% | 3,639 |
| Core capital (leverage) ratio | 9.7934% | 3,795 |
| Tier 1 risk-based capital ratio | 16.4865% | 2,258 |
| Total risk-based capital ratio | 17.7552% | 2,202 |
| Memoranda: | ||
| Average total assets | $52,422,670 | 5,007 |
| Average earning assets | $46,252,000 | 5,037 |
| Average equity | $5,355,330 | 5,099 |
| Average total loans | $31,457,330 | 4,889 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0990% | 3,239 |
| Cost of funding earning assets | 0.8656% | 707 |
| Net interest margin | 3.2334% | 4,361 |
| Noninterest income to average assets | 0.3842% | 3,572 |
| Noninterest expense to average assets | 3.8123% | 663 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.6132% | 5,511 |
| Return on assets (ROA) | -0.6132% | 5,509 |
| Pretax return on assets | -0.6132% | 5,506 |
| Return on Equity (ROE) | -5.9424% | 5,512 |
| Retained earnings to average equity (ytd only) | -5.9424% | 5,249 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.1686% | 69 |
| Assets per employee ($millions) | 5.7844% | 1,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5039% | 252 |
| Loan loss allowance to noncurrent loans | 119.6697% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 1.7461% | 720 |
| Noncurrent loans to loans | 2.0924% | 745 |
| Net loans and leases to total assets | 59.6101% | 3,791 |
| Net loans and leases to deposits | 72.7876% | 3,531 |
| Net loans and leases to core deposits | 76.2800% | 3,653 |
| Total domestic deposits to total assets | 81.8959% | 3,995 |
| Equity capital to assets | 10.5878% | 2,985 |
| Core capital (leverage) ratio | 10.3400% | 3,133 |
| Tier 1 risk-based capital ratio | 17.6493% | 1,932 |
| Total risk-based capital ratio | 18.9213% | 1,880 |
| Memoranda: | ||
| Average total assets | $54,141,000 | 5,035 |
| Average earning assets | $47,133,500 | 5,077 |
| Average equity | $5,587,000 | 5,124 |
| Average total loans | $32,426,000 | 4,907 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9211% | 3,653 |
| Cost of funding earning assets | 0.8720% | 435 |
| Net interest margin | 3.0492% | 4,791 |
| Noninterest income to average assets | 0.1790% | 5,062 |
| Noninterest expense to average assets | 3.8338% | 670 |
| Loan and lease loss provision to assets | 0.2250% | 875 |
| Net operating income to assets | -1.1596% | 5,605 |
| Return on assets (ROA) | -1.1596% | 5,605 |
| Pretax return on assets | -1.1596% | 5,611 |
| Return on Equity (ROE) | -12.1052% | 5,608 |
| Retained earnings to average equity (ytd only) | -12.1052% | 5,564 |
| Net charge-offs to loans | 0.3834% | 657 |
| Credit loss provision to net charge-offs | 95.3020% | 2,700 |
| Earnings coverage of net charge-offs (x) | -3.9597% | 4,065 |
| Efficiency ratio | 132.2404% | 42 |
| Assets per employee ($millions) | 5.6222% | 1,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4135% | 274 |
| Loan loss allowance to noncurrent loans | 94.2080% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.9370% | 601 |
| Noncurrent loans to loans | 2.5619% | 511 |
| Net loans and leases to total assets | 57.3174% | 4,076 |
| Net loans and leases to deposits | 69.9692% | 3,878 |
| Net loans and leases to core deposits | 73.8936% | 3,886 |
| Total domestic deposits to total assets | 81.9181% | 3,889 |
| Equity capital to assets | 10.0708% | 3,623 |
| Core capital (leverage) ratio | 9.7243% | 3,777 |
| Tier 1 risk-based capital ratio | 17.1107% | 2,053 |
| Total risk-based capital ratio | 18.3743% | 2,011 |
| Memoranda: | ||
| Average total assets | $63,123,400 | 4,898 |
| Average earning assets | $56,310,400 | 4,944 |
| Average equity | $6,047,000 | 5,094 |
| Average total loans | $38,860,800 | 4,765 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9185% | 3,629 |
| Cost of funding earning assets | 0.8682% | 417 |
| Net interest margin | 3.0503% | 4,812 |
| Noninterest income to average assets | 0.1501% | 5,260 |
| Noninterest expense to average assets | 3.8242% | 657 |
| Loan and lease loss provision to assets | 0.2920% | 542 |
| Net operating income to assets | -1.2357% | 5,686 |
| Return on assets (ROA) | -1.2357% | 5,688 |
| Pretax return on assets | -1.2357% | 5,683 |
| Return on Equity (ROE) | -13.0437% | 5,688 |
| Retained earnings to average equity (ytd only) | -13.0437% | 5,640 |
| Net charge-offs to loans | 0.7143% | 267 |
| Credit loss provision to net charge-offs | 65.7407% | 2,741 |
| Earnings coverage of net charge-offs (x) | -2.1250% | 3,736 |
| Efficiency ratio | 132.7623% | 41 |
| Assets per employee ($millions) | 5.9091% | 1,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1340% | 454 |
| Loan loss allowance to noncurrent loans | 85.7814% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.8514% | 728 |
| Noncurrent loans to loans | 2.4877% | 620 |
| Net loans and leases to total assets | 56.6550% | 4,181 |
| Net loans and leases to deposits | 69.4564% | 4,006 |
| Net loans and leases to core deposits | 74.8062% | 3,904 |
| Total domestic deposits to total assets | 81.5691% | 3,902 |
| Equity capital to assets | 9.8864% | 4,043 |
| Core capital (leverage) ratio | 9.4460% | 4,232 |
| Tier 1 risk-based capital ratio | 16.5909% | 2,292 |
| Total risk-based capital ratio | 17.8514% | 2,239 |
| Memoranda: | ||
| Average total assets | $64,848,750 | 4,921 |
| Average earning assets | $58,047,750 | 4,961 |
| Average equity | $6,143,250 | 5,139 |
| Average total loans | $40,320,500 | 4,769 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8944% | 3,566 |
| Cost of funding earning assets | 0.8691% | 368 |
| Net interest margin | 3.0253% | 4,853 |
| Noninterest income to average assets | 0.2247% | 4,898 |
| Noninterest expense to average assets | 3.7713% | 696 |
| Loan and lease loss provision to assets | 0.4254% | 298 |
| Net operating income to assets | -1.2401% | 5,729 |
| Return on assets (ROA) | -1.2401% | 5,729 |
| Pretax return on assets | -1.2401% | 5,728 |
| Return on Equity (ROE) | -13.2614% | 5,735 |
| Retained earnings to average equity (ytd only) | -13.2614% | 5,689 |
| Net charge-offs to loans | 1.0813% | 182 |
| Credit loss provision to net charge-offs | 62.0087% | 2,447 |
| Earnings coverage of net charge-offs (x) | -1.1878% | 3,435 |
| Efficiency ratio | 127.5583% | 52 |
| Assets per employee ($millions) | 4.9366% | 2,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9459% | 663 |
| Loan loss allowance to noncurrent loans | 90.7595% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 2.0522% | 609 |
| Noncurrent loans to loans | 2.1440% | 761 |
| Net loans and leases to total assets | 56.2983% | 4,197 |
| Net loans and leases to deposits | 68.0325% | 4,069 |
| Net loans and leases to core deposits | 73.5127% | 3,979 |
| Total domestic deposits to total assets | 82.7521% | 3,642 |
| Equity capital to assets | 9.3960% | 4,518 |
| Core capital (leverage) ratio | 9.2059% | 4,480 |
| Tier 1 risk-based capital ratio | 15.9443% | 2,526 |
| Total risk-based capital ratio | 17.2060% | 2,462 |
| Memoranda: | ||
| Average total assets | $66,768,000 | 4,919 |
| Average earning assets | $60,292,000 | 4,942 |
| Average equity | $6,243,670 | 5,151 |
| Average total loans | $42,358,000 | 4,735 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1204% | 2,579 |
| Cost of funding earning assets | 0.8617% | 353 |
| Net interest margin | 3.2587% | 4,141 |
| Noninterest income to average assets | 0.2174% | 4,971 |
| Noninterest expense to average assets | 3.5849% | 911 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.4114% | 5,724 |
| Return on assets (ROA) | -0.4114% | 5,721 |
| Pretax return on assets | -0.4114% | 5,712 |
| Return on Equity (ROE) | -4.4091% | 5,729 |
| Retained earnings to average equity (ytd only) | -4.4091% | 5,351 |
| Net charge-offs to loans | -0.1064% | 5,467 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.9630% | 101 |
| Assets per employee ($millions) | 5.0826% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9643% | 715 |
| Loan loss allowance to noncurrent loans | 161.5842% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 1.1865% | 1,486 |
| Noncurrent loans to loans | 1.2156% | 1,668 |
| Net loans and leases to total assets | 61.6370% | 3,587 |
| Net loans and leases to deposits | 74.4425% | 3,358 |
| Net loans and leases to core deposits | 80.7671% | 3,230 |
| Total domestic deposits to total assets | 82.7981% | 3,918 |
| Equity capital to assets | 9.5787% | 4,204 |
| Core capital (leverage) ratio | 9.3741% | 4,255 |
| Tier 1 risk-based capital ratio | 15.8534% | 2,607 |
| Total risk-based capital ratio | 17.1124% | 2,550 |
| Memoranda: | ||
| Average total assets | $68,064,000 | 4,948 |
| Average earning assets | $61,741,500 | 4,956 |
| Average equity | $6,350,500 | 5,185 |
| Average total loans | $45,113,500 | 4,701 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5445% | 1,415 |
| Cost of funding earning assets | 0.8491% | 393 |
| Net interest margin | 3.6953% | 2,712 |
| Noninterest income to average assets | 0.2350% | 5,006 |
| Noninterest expense to average assets | 3.7624% | 811 |
| Loan and lease loss provision to assets | 0.4672% | 299 |
| Net operating income to assets | -0.5642% | 5,796 |
| Return on assets (ROA) | -0.5642% | 5,800 |
| Pretax return on assets | -0.5642% | 5,788 |
| Return on Equity (ROE) | -6.0832% | 5,804 |
| Retained earnings to average equity (ytd only) | -6.0832% | 5,710 |
| Net charge-offs to loans | 0.2675% | 1,036 |
| Credit loss provision to net charge-offs | 239.1608% | 1,213 |
| Earnings coverage of net charge-offs (x) | -0.4965% | 4,160 |
| Efficiency ratio | 102.6463% | 191 |
| Assets per employee ($millions) | 5.3888% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6514% | 1,251 |
| Loan loss allowance to noncurrent loans | 161.7706% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 1.1077% | 1,682 |
| Noncurrent loans to loans | 1.0208% | 2,048 |
| Net loans and leases to total assets | 68.3487% | 2,716 |
| Net loans and leases to deposits | 81.6469% | 2,709 |
| Net loans and leases to core deposits | 88.0603% | 2,671 |
| Total domestic deposits to total assets | 83.7126% | 3,536 |
| Equity capital to assets | 9.0958% | 4,713 |
| Core capital (leverage) ratio | 8.8622% | 4,895 |
| Tier 1 risk-based capital ratio | 14.2422% | 3,319 |
| Total risk-based capital ratio | 15.4996% | 3,244 |
| Memoranda: | ||
| Average total assets | $73,197,400 | 4,863 |
| Average earning assets | $67,950,800 | 4,851 |
| Average equity | $6,789,200 | 5,138 |
| Average total loans | $53,463,000 | 4,474 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5982% | 1,294 |
| Cost of funding earning assets | 0.8473% | 389 |
| Net interest margin | 3.7509% | 2,518 |
| Noninterest income to average assets | 0.2361% | 5,058 |
| Noninterest expense to average assets | 3.6656% | 901 |
| Loan and lease loss provision to assets | 0.2739% | 643 |
| Net operating income to assets | -0.2090% | 5,791 |
| Return on assets (ROA) | -0.2090% | 5,802 |
| Pretax return on assets | -0.2090% | 5,795 |
| Return on Equity (ROE) | -2.2436% | 5,816 |
| Retained earnings to average equity (ytd only) | -2.2436% | 5,608 |
| Net charge-offs to loans | 0.0756% | 2,239 |
| Credit loss provision to net charge-offs | 490.3226% | 722 |
| Earnings coverage of net charge-offs (x) | 1.1614% | 3,723 |
| Efficiency ratio | 98.2609% | 255 |
| Assets per employee ($millions) | 5.1757% | 2,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 2,245 |
| Loan loss allowance to noncurrent loans | 225.4658% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.8681% | 2,380 |
| Noncurrent loans to loans | 0.6166% | 3,168 |
| Net loans and leases to total assets | 71.0654% | 2,338 |
| Net loans and leases to deposits | 85.2126% | 2,342 |
| Net loans and leases to core deposits | 91.5010% | 2,436 |
| Total domestic deposits to total assets | 83.3977% | 3,450 |
| Equity capital to assets | 9.3583% | 4,806 |
| Core capital (leverage) ratio | 9.0182% | 4,812 |
| Tier 1 risk-based capital ratio | 13.9265% | 3,595 |
| Total risk-based capital ratio | 15.1807% | 3,518 |
| Memoranda: | ||
| Average total assets | $73,983,250 | 4,887 |
| Average earning assets | $68,924,250 | 4,864 |
| Average equity | $6,893,500 | 5,167 |
| Average total loans | $54,657,500 | 4,476 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6065% | 1,257 |
| Cost of funding earning assets | 0.8271% | 422 |
| Net interest margin | 3.7794% | 2,406 |
| Noninterest income to average assets | 0.0967% | 5,794 |
| Noninterest expense to average assets | 3.0930% | 2,081 |
| Loan and lease loss provision to assets | 0.1745% | 1,264 |
| Net operating income to assets | 0.3625% | 5,148 |
| Return on assets (ROA) | 0.3625% | 5,240 |
| Pretax return on assets | 0.3625% | 5,401 |
| Return on Equity (ROE) | 3.8955% | 4,945 |
| Retained earnings to average equity (ytd only) | 3.8955% | 3,416 |
| Net charge-offs to loans | 0.0829% | 2,019 |
| Credit loss provision to net charge-offs | 282.6087% | 1,006 |
| Earnings coverage of net charge-offs (x) | 8.6957% | 2,497 |
| Efficiency ratio | 85.2071% | 952 |
| Assets per employee ($millions) | 5.3849% | 1,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 3,469 |
| Loan loss allowance to noncurrent loans | 202.5078% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 1.0439% | 2,038 |
| Noncurrent loans to loans | 0.5823% | 3,319 |
| Net loans and leases to total assets | 71.8062% | 2,204 |
| Net loans and leases to deposits | 86.4608% | 2,193 |
| Net loans and leases to core deposits | 92.5826% | 2,300 |
| Total domestic deposits to total assets | 83.0506% | 3,634 |
| Equity capital to assets | 9.3475% | 4,922 |
| Core capital (leverage) ratio | 9.1034% | 4,712 |
| Tier 1 risk-based capital ratio | 13.8716% | 3,685 |
| Total risk-based capital ratio | 15.1215% | 3,600 |
| Memoranda: | ||
| Average total assets | $74,491,000 | 4,923 |
| Average earning assets | $69,641,330 | 4,894 |
| Average equity | $6,931,000 | 5,208 |
| Average total loans | $55,470,000 | 4,488 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5729% | 1,333 |
| Cost of funding earning assets | 0.8172% | 447 |
| Net interest margin | 3.7557% | 2,454 |
| Noninterest income to average assets | 0.2269% | 5,115 |
| Noninterest expense to average assets | 3.1658% | 1,915 |
| Loan and lease loss provision to assets | 0.2701% | 624 |
| Net operating income to assets | 0.2917% | 5,329 |
| Return on assets (ROA) | 0.2917% | 5,409 |
| Pretax return on assets | 0.2917% | 5,520 |
| Return on Equity (ROE) | 3.1427% | 5,188 |
| Retained earnings to average equity (ytd only) | 3.1427% | 3,947 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9275% | 1,070 |
| Assets per employee ($millions) | 4.9811% | 2,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 3,626 |
| Loan loss allowance to noncurrent loans | 186.6097% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 1.0962% | 2,012 |
| Noncurrent loans to loans | 0.6303% | 3,276 |
| Net loans and leases to total assets | 73.6603% | 1,784 |
| Net loans and leases to deposits | 88.7277% | 1,732 |
| Net loans and leases to core deposits | 95.4641% | 1,844 |
| Total domestic deposits to total assets | 83.0184% | 3,887 |
| Equity capital to assets | 9.3006% | 4,886 |
| Core capital (leverage) ratio | 9.2230% | 4,573 |
| Tier 1 risk-based capital ratio | 13.5909% | 3,927 |
| Total risk-based capital ratio | 14.8421% | 3,858 |
| Memoranda: | ||
| Average total assets | $74,042,000 | 4,972 |
| Average earning assets | $69,015,500 | 4,952 |
| Average equity | $6,873,000 | 5,259 |
| Average total loans | $55,815,000 | 4,502 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4944% | 1,617 |
| Cost of funding earning assets | 0.8401% | 398 |
| Net interest margin | 3.6543% | 2,921 |
| Noninterest income to average assets | 0.2486% | 5,107 |
| Noninterest expense to average assets | 2.9915% | 2,577 |
| Loan and lease loss provision to assets | 0.2055% | 1,037 |
| Net operating income to assets | 0.4641% | 4,835 |
| Return on assets (ROA) | 0.4641% | 4,909 |
| Pretax return on assets | 0.4641% | 5,191 |
| Return on Equity (ROE) | 4.6336% | 4,688 |
| Retained earnings to average equity (ytd only) | 3.4860% | 3,577 |
| Net charge-offs to loans | 0.1903% | 1,523 |
| Credit loss provision to net charge-offs | 147.4227% | 1,804 |
| Earnings coverage of net charge-offs (x) | 4.8041% | 3,486 |
| Efficiency ratio | 81.7111% | 1,443 |
| Assets per employee ($millions) | 5.2477% | 2,063 |
| Cash dividends to net income (ytd only)* | 24.7678% | 3,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9028% | 5,073 |
| Loan loss allowance to noncurrent loans | 140.2778% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 1.1556% | 1,882 |
| Noncurrent loans to loans | 0.6436% | 3,251 |
| Net loans and leases to total assets | 75.4533% | 1,503 |
| Net loans and leases to deposits | 89.6628% | 1,660 |
| Net loans and leases to core deposits | 96.0545% | 1,846 |
| Total domestic deposits to total assets | 84.1523% | 3,424 |
| Equity capital to assets | 9.6205% | 4,409 |
| Core capital (leverage) ratio | 9.6124% | 4,033 |
| Tier 1 risk-based capital ratio | 14.4669% | 3,461 |
| Total risk-based capital ratio | 15.5032% | 3,491 |
| Memoranda: | ||
| Average total assets | $69,597,800 | 5,100 |
| Average earning assets | $64,992,000 | 5,062 |
| Average equity | $6,970,800 | 5,249 |
| Average total loans | $50,959,200 | 4,639 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4381% | 1,790 |
| Cost of funding earning assets | 0.8311% | 422 |
| Net interest margin | 3.6070% | 3,130 |
| Noninterest income to average assets | 0.2565% | 5,105 |
| Noninterest expense to average assets | 3.0113% | 2,487 |
| Loan and lease loss provision to assets | 0.1282% | 1,765 |
| Net operating income to assets | 0.4896% | 4,831 |
| Return on assets (ROA) | 0.4896% | 4,919 |
| Pretax return on assets | 0.4896% | 5,245 |
| Return on Equity (ROE) | 4.8384% | 4,697 |
| Retained earnings to average equity (ytd only) | 3.3024% | 4,120 |
| Net charge-offs to loans | 0.1743% | 1,435 |
| Credit loss provision to net charge-offs | 101.5385% | 2,231 |
| Earnings coverage of net charge-offs (x) | 4.8926% | 3,281 |
| Efficiency ratio | 82.9764% | 1,274 |
| Assets per employee ($millions) | 5.1708% | 2,097 |
| Cash dividends to net income (ytd only)* | 31.7450% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8523% | 5,362 |
| Loan loss allowance to noncurrent loans | 144.2006% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 1.1466% | 2,074 |
| Noncurrent loans to loans | 0.5910% | 3,555 |
| Net loans and leases to total assets | 73.9222% | 1,747 |
| Net loans and leases to deposits | 87.4681% | 1,976 |
| Net loans and leases to core deposits | 92.9384% | 2,176 |
| Total domestic deposits to total assets | 84.5133% | 3,216 |
| Equity capital to assets | 9.7333% | 4,474 |
| Core capital (leverage) ratio | 9.6681% | 4,082 |
| Tier 1 risk-based capital ratio | 14.0995% | 3,794 |
| Total risk-based capital ratio | 15.0291% | 3,917 |
| Memoranda: | ||
| Average total assets | $68,628,000 | 5,182 |
| Average earning assets | $64,169,500 | 5,145 |
| Average equity | $6,944,250 | 5,320 |
| Average total loans | $49,714,250 | 4,726 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3848% | 1,903 |
| Cost of funding earning assets | 0.8212% | 447 |
| Net interest margin | 3.5637% | 3,232 |
| Noninterest income to average assets | 0.2583% | 5,107 |
| Noninterest expense to average assets | 2.9151% | 2,843 |
| Loan and lease loss provision to assets | 0.1217% | 1,814 |
| Net operating income to assets | 0.5581% | 4,527 |
| Return on assets (ROA) | 0.5581% | 4,633 |
| Pretax return on assets | 0.5581% | 5,079 |
| Return on Equity (ROE) | 5.4411% | 4,403 |
| Retained earnings to average equity (ytd only) | 3.1258% | 4,063 |
| Net charge-offs to loans | 0.2402% | 1,080 |
| Credit loss provision to net charge-offs | 70.6897% | 2,456 |
| Earnings coverage of net charge-offs (x) | 3.9483% | 3,114 |
| Efficiency ratio | 81.0900% | 1,610 |
| Assets per employee ($millions) | 5.0440% | 2,220 |
| Cash dividends to net income (ytd only)* | 42.5532% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9000% | 5,302 |
| Loan loss allowance to noncurrent loans | 138.2445% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 1.1881% | 2,136 |
| Noncurrent loans to loans | 0.6510% | 3,522 |
| Net loans and leases to total assets | 68.7663% | 2,522 |
| Net loans and leases to deposits | 81.5230% | 2,619 |
| Net loans and leases to core deposits | 87.3664% | 2,620 |
| Total domestic deposits to total assets | 84.3520% | 3,420 |
| Equity capital to assets | 9.8320% | 4,242 |
| Core capital (leverage) ratio | 10.0873% | 3,481 |
| Tier 1 risk-based capital ratio | 14.9232% | 3,402 |
| Total risk-based capital ratio | 15.8710% | 3,493 |
| Memoranda: | ||
| Average total assets | $67,373,670 | 5,270 |
| Average earning assets | $63,081,330 | 5,225 |
| Average equity | $6,910,330 | 5,373 |
| Average total loans | $48,294,670 | 4,813 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4422% | 1,630 |
| Cost of funding earning assets | 0.8183% | 453 |
| Net interest margin | 3.6239% | 2,914 |
| Noninterest income to average assets | 0.2008% | 5,513 |
| Noninterest expense to average assets | 2.8592% | 3,035 |
| Loan and lease loss provision to assets | 0.2433% | 687 |
| Net operating income to assets | 0.4928% | 4,717 |
| Return on assets (ROA) | 0.4928% | 4,837 |
| Pretax return on assets | 0.4928% | 5,196 |
| Return on Equity (ROE) | 4.6997% | 4,667 |
| Retained earnings to average equity (ytd only) | 0.0580% | 5,355 |
| Net charge-offs to loans | -0.0083% | 4,648 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5262% | 1,957 |
| Assets per employee ($millions) | 5.1732% | 2,147 |
| Cash dividends to net income (ytd only)* | 98.7654% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0461% | 4,784 |
| Loan loss allowance to noncurrent loans | 87.2600% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 0.8520% | 2,946 |
| Noncurrent loans to loans | 1.1989% | 2,375 |
| Net loans and leases to total assets | 70.3250% | 2,090 |
| Net loans and leases to deposits | 84.0725% | 2,062 |
| Net loans and leases to core deposits | 88.7086% | 2,253 |
| Total domestic deposits to total assets | 83.6481% | 3,957 |
| Equity capital to assets | 10.2629% | 3,814 |
| Core capital (leverage) ratio | 10.4515% | 3,029 |
| Tier 1 risk-based capital ratio | 15.3099% | 3,256 |
| Total risk-based capital ratio | 16.4346% | 3,250 |
| Memoranda: | ||
| Average total assets | $65,752,500 | 5,358 |
| Average earning assets | $61,590,500 | 5,309 |
| Average equity | $6,894,000 | 5,428 |
| Average total loans | $47,941,500 | 4,849 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5787% | 1,615 |
| Cost of funding earning assets | 0.9185% | 348 |
| Net interest margin | 3.6602% | 3,180 |
| Noninterest income to average assets | 0.2739% | 5,159 |
| Noninterest expense to average assets | 2.8252% | 3,399 |
| Loan and lease loss provision to assets | 0.1927% | 1,328 |
| Net operating income to assets | 0.9253% | 2,749 |
| Return on assets (ROA) | 0.9301% | 2,812 |
| Pretax return on assets | 0.6944% | 4,645 |
| Return on Equity (ROE) | 8.4164% | 2,897 |
| Retained earnings to average equity (ytd only) | 8.4164% | 862 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2027% | 2,478 |
| Assets per employee ($millions) | 5.8932% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 3,902 |
| Loan loss allowance to noncurrent loans | 55.2336% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 1.6506% | 1,635 |
| Noncurrent loans to loans | 2.2023% | 1,208 |
| Net loans and leases to total assets | 74.0363% | 1,578 |
| Net loans and leases to deposits | 90.1211% | 1,509 |
| Net loans and leases to core deposits | 95.3776% | 1,772 |
| Total domestic deposits to total assets | 82.1519% | 4,363 |
| Equity capital to assets | 11.3536% | 2,557 |
| Core capital (leverage) ratio | 11.4961% | 1,973 |
| Tier 1 risk-based capital ratio | 16.5054% | 2,710 |
| Total risk-based capital ratio | 17.7435% | 2,668 |
| Memoranda: | ||
| Average total assets | $62,791,000 | 5,479 |
| Average earning assets | $58,903,200 | 5,431 |
| Average equity | $6,938,800 | 5,430 |
| Average total loans | $45,700,400 | 4,970 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5346% | 1,752 |
| Cost of funding earning assets | 0.9411% | 317 |
| Net interest margin | 3.5935% | 3,453 |
| Noninterest income to average assets | 0.3083% | 4,975 |
| Noninterest expense to average assets | 2.8664% | 3,240 |
| Loan and lease loss provision to assets | 0.1498% | 1,661 |
| Net operating income to assets | 0.8970% | 2,920 |
| Return on assets (ROA) | 0.9034% | 2,988 |
| Pretax return on assets | 0.6743% | 4,784 |
| Return on Equity (ROE) | 8.2337% | 3,077 |
| Retained earnings to average equity (ytd only) | 8.2337% | 1,250 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8036% | 2,213 |
| Assets per employee ($millions) | 5.8077% | 1,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 4,420 |
| Loan loss allowance to noncurrent loans | 108.6519% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.7780% | 3,484 |
| Noncurrent loans to loans | 1.0711% | 2,934 |
| Net loans and leases to total assets | 71.7884% | 1,884 |
| Net loans and leases to deposits | 86.5109% | 1,856 |
| Net loans and leases to core deposits | 91.5702% | 2,070 |
| Total domestic deposits to total assets | 82.9819% | 4,159 |
| Equity capital to assets | 11.1842% | 2,780 |
| Core capital (leverage) ratio | 11.1690% | 2,341 |
| Tier 1 risk-based capital ratio | 16.7749% | 2,698 |
| Total risk-based capital ratio | 18.0243% | 2,644 |
| Memoranda: | ||
| Average total assets | $62,282,500 | 5,555 |
| Average earning assets | $58,511,250 | 5,500 |
| Average equity | $6,833,500 | 5,506 |
| Average total loans | $44,979,250 | 5,049 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4932% | 1,850 |
| Cost of funding earning assets | 0.9586% | 304 |
| Net interest margin | 3.5346% | 3,636 |
| Noninterest income to average assets | 0.3045% | 4,967 |
| Noninterest expense to average assets | 2.8956% | 3,178 |
| Loan and lease loss provision to assets | 0.1328% | 1,868 |
| Net operating income to assets | 0.7968% | 3,353 |
| Return on assets (ROA) | 0.8000% | 3,438 |
| Pretax return on assets | 0.5992% | 4,960 |
| Return on Equity (ROE) | 7.3406% | 3,450 |
| Retained earnings to average equity (ytd only) | 7.3406% | 1,590 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8928% | 2,041 |
| Assets per employee ($millions) | 5.8623% | 1,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1148% | 4,838 |
| Loan loss allowance to noncurrent loans | 102.2000% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 0.7754% | 3,646 |
| Noncurrent loans to loans | 1.0908% | 3,050 |
| Net loans and leases to total assets | 70.2923% | 2,033 |
| Net loans and leases to deposits | 84.3076% | 2,006 |
| Net loans and leases to core deposits | 89.1546% | 2,197 |
| Total domestic deposits to total assets | 83.3760% | 4,164 |
| Equity capital to assets | 10.7979% | 3,093 |
| Core capital (leverage) ratio | 11.1977% | 2,245 |
| Tier 1 risk-based capital ratio | 16.4607% | 2,846 |
| Total risk-based capital ratio | 17.6633% | 2,827 |
| Memoranda: | ||
| Average total assets | $61,748,330 | 5,617 |
| Average earning assets | $57,998,330 | 5,560 |
| Average equity | $6,729,670 | 5,555 |
| Average total loans | $44,505,000 | 5,100 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4399% | 1,988 |
| Cost of funding earning assets | 1.0023% | 271 |
| Net interest margin | 3.4375% | 3,947 |
| Noninterest income to average assets | 0.2517% | 5,352 |
| Noninterest expense to average assets | 3.0540% | 2,683 |
| Loan and lease loss provision to assets | 0.0662% | 2,799 |
| Net operating income to assets | 0.3577% | 5,285 |
| Return on assets (ROA) | 0.3577% | 5,345 |
| Pretax return on assets | 0.3577% | 5,577 |
| Return on Equity (ROE) | 3.2663% | 5,358 |
| Retained earnings to average equity (ytd only) | 3.2663% | 4,159 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8095% | 1,247 |
| Assets per employee ($millions) | 5.0074% | 2,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0826% | 5,197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 72.9851% | 1,429 |
| Net loans and leases to deposits | 88.3784% | 1,317 |
| Net loans and leases to core deposits | 91.7125% | 1,759 |
| Total domestic deposits to total assets | 82.5825% | 4,759 |
| Equity capital to assets | 11.1035% | 2,623 |
| Core capital (leverage) ratio | 11.3525% | 2,091 |
| Tier 1 risk-based capital ratio | 16.5533% | 2,871 |
| Total risk-based capital ratio | 17.7236% | 2,881 |
| Memoranda: | ||
| Average total assets | $60,380,000 | 5,700 |
| Average earning assets | $56,668,500 | 5,646 |
| Average equity | $6,613,000 | 5,616 |
| Average total loans | $43,838,000 | 5,173 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8245% | 1,266 |
| Cost of funding earning assets | 1.0619% | 339 |
| Net interest margin | 3.7626% | 2,795 |
| Noninterest income to average assets | 0.2973% | 5,226 |
| Noninterest expense to average assets | 3.0770% | 2,810 |
| Loan and lease loss provision to assets | 0.1777% | 2,081 |
| Net operating income to assets | 0.5647% | 4,433 |
| Return on assets (ROA) | 0.5647% | 4,545 |
| Pretax return on assets | 0.5647% | 4,992 |
| Return on Equity (ROE) | 4.9224% | 4,668 |
| Retained earnings to average equity (ytd only) | 4.9224% | 2,652 |
| Net charge-offs to loans | 0.0198% | 5,038 |
| Credit loss provision to net charge-offs | 1,262.5000% | 197 |
| Earnings coverage of net charge-offs (x) | 52.7500% | 765 |
| Efficiency ratio | 80.5620% | 2,072 |
| Assets per employee ($millions) | 5.0559% | 2,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 5,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 70.6598% | 1,908 |
| Net loans and leases to deposits | 85.2405% | 1,783 |
| Net loans and leases to core deposits | 88.4100% | 2,198 |
| Total domestic deposits to total assets | 82.8946% | 4,579 |
| Equity capital to assets | 10.8025% | 2,813 |
| Core capital (leverage) ratio | 11.3347% | 2,083 |
| Tier 1 risk-based capital ratio | 16.7027% | 2,758 |
| Total risk-based capital ratio | 17.8702% | 2,753 |
| Memoranda: | ||
| Average total assets | $56,841,800 | 5,840 |
| Average earning assets | $53,207,800 | 5,799 |
| Average equity | $6,521,200 | 5,687 |
| Average total loans | $40,382,000 | 5,331 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8248% | 1,294 |
| Cost of funding earning assets | 1.0711% | 354 |
| Net interest margin | 3.7538% | 2,831 |
| Noninterest income to average assets | 0.2314% | 5,778 |
| Noninterest expense to average assets | 3.1111% | 2,617 |
| Loan and lease loss provision to assets | 0.1694% | 2,145 |
| Net operating income to assets | 0.6203% | 4,254 |
| Return on assets (ROA) | 0.6203% | 4,386 |
| Pretax return on assets | 0.4628% | 5,466 |
| Return on Equity (ROE) | 5.3226% | 4,551 |
| Retained earnings to average equity (ytd only) | 5.3226% | 2,864 |
| Net charge-offs to loans | 0.0269% | 4,588 |
| Credit loss provision to net charge-offs | 887.5000% | 342 |
| Earnings coverage of net charge-offs (x) | 33.1134% | 1,152 |
| Efficiency ratio | 83.1103% | 1,695 |
| Assets per employee ($millions) | 4.9052% | 2,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0311% | 5,592 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 71.7458% | 1,642 |
| Net loans and leases to deposits | 85.0591% | 1,739 |
| Net loans and leases to core deposits | 88.2607% | 2,157 |
| Total domestic deposits to total assets | 84.3481% | 4,046 |
| Equity capital to assets | 10.9969% | 2,756 |
| Core capital (leverage) ratio | 11.5155% | 2,031 |
| Tier 1 risk-based capital ratio | 16.8351% | 2,783 |
| Total risk-based capital ratio | 17.9495% | 2,814 |
| Memoranda: | ||
| Average total assets | $55,884,500 | 5,941 |
| Average earning assets | $52,283,500 | 5,895 |
| Average equity | $6,513,000 | 5,766 |
| Average total loans | $39,642,500 | 5,410 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8326% | 1,262 |
| Cost of funding earning assets | 1.0756% | 371 |
| Net interest margin | 3.7569% | 2,734 |
| Noninterest income to average assets | 0.2077% | 5,959 |
| Noninterest expense to average assets | 3.0642% | 2,780 |
| Loan and lease loss provision to assets | 0.1494% | 2,465 |
| Net operating income to assets | 0.6777% | 3,916 |
| Return on assets (ROA) | 0.6777% | 4,078 |
| Pretax return on assets | 0.5064% | 5,349 |
| Return on Equity (ROE) | 5.7000% | 4,351 |
| Retained earnings to average equity (ytd only) | 5.7000% | 2,611 |
| Net charge-offs to loans | 0.0466% | 4,029 |
| Credit loss provision to net charge-offs | 455.5556% | 599 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,483 |
| Efficiency ratio | 82.3702% | 1,838 |
| Assets per employee ($millions) | 6.2816% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 5,811 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 71.4490% | 1,656 |
| Net loans and leases to deposits | 85.2605% | 1,649 |
| Net loans and leases to core deposits | 88.6278% | 2,047 |
| Total domestic deposits to total assets | 83.8009% | 4,406 |
| Equity capital to assets | 11.3755% | 2,404 |
| Core capital (leverage) ratio | 11.7847% | 1,733 |
| Tier 1 risk-based capital ratio | 17.0206% | 2,707 |
| Total risk-based capital ratio | 18.0822% | 2,745 |
| Memoranda: | ||
| Average total assets | $54,892,000 | 6,001 |
| Average earning assets | $51,318,330 | 5,958 |
| Average equity | $6,526,330 | 5,803 |
| Average total loans | $38,633,000 | 5,485 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7661% | 1,361 |
| Cost of funding earning assets | 1.0847% | 402 |
| Net interest margin | 3.6815% | 2,940 |
| Noninterest income to average assets | 0.2071% | 5,997 |
| Noninterest expense to average assets | 3.1144% | 2,628 |
| Loan and lease loss provision to assets | 0.1110% | 2,845 |
| Net operating income to assets | 0.5622% | 4,398 |
| Return on assets (ROA) | 0.5622% | 4,555 |
| Pretax return on assets | 0.4217% | 5,494 |
| Return on Equity (ROE) | 4.6243% | 4,774 |
| Retained earnings to average equity (ytd only) | 4.6243% | 3,458 |
| Net charge-offs to loans | -0.0107% | 5,466 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3955% | 1,596 |
| Assets per employee ($millions) | 5.5249% | 1,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 5,885 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 68.4863% | 1,927 |
| Net loans and leases to deposits | 80.7400% | 1,981 |
| Net loans and leases to core deposits | 85.2995% | 2,180 |
| Total domestic deposits to total assets | 84.8233% | 4,132 |
| Equity capital to assets | 12.0400% | 2,009 |
| Core capital (leverage) ratio | 12.0833% | 1,519 |
| Tier 1 risk-based capital ratio | 17.5093% | 2,554 |
| Total risk-based capital ratio | 18.5793% | 2,598 |
| Memoranda: | ||
| Average total assets | $54,071,000 | 6,075 |
| Average earning assets | $50,523,000 | 6,031 |
| Average equity | $6,574,000 | 5,846 |
| Average total loans | $37,548,500 | 5,565 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9136% | 1,792 |
| Cost of funding earning assets | 1.3217% | 341 |
| Net interest margin | 3.5919% | 4,124 |
| Noninterest income to average assets | 0.2118% | 5,906 |
| Noninterest expense to average assets | 3.2953% | 2,354 |
| Loan and lease loss provision to assets | 0.0244% | 5,588 |
| Net operating income to assets | 0.2240% | 5,723 |
| Return on assets (ROA) | 0.2240% | 5,913 |
| Pretax return on assets | 0.2240% | 5,957 |
| Return on Equity (ROE) | 1.7461% | 5,974 |
| Retained earnings to average equity (ytd only) | 1.7461% | 4,985 |
| Net charge-offs to loans | 0.0061% | 5,880 |
| Credit loss provision to net charge-offs | 600.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 588 |
| Efficiency ratio | 92.9885% | 863 |
| Assets per employee ($millions) | 5.2893% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 5,889 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 68.9864% | 2,038 |
| Net loans and leases to deposits | 81.7296% | 2,035 |
| Net loans and leases to core deposits | 86.5817% | 2,243 |
| Total domestic deposits to total assets | 84.4081% | 4,123 |
| Equity capital to assets | 12.2814% | 1,867 |
| Core capital (leverage) ratio | 11.9973% | 1,566 |
| Tier 1 risk-based capital ratio | 17.6333% | 2,403 |
| Total risk-based capital ratio | 18.6820% | 2,450 |
| Memoranda: | ||
| Average total assets | $49,100,600 | 6,236 |
| Average earning assets | $45,547,200 | 6,188 |
| Average equity | $6,299,800 | 5,942 |
| Average total loans | $32,965,600 | 5,803 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8845% | 2,068 |
| Cost of funding earning assets | 1.3683% | 335 |
| Net interest margin | 3.5162% | 4,580 |
| Noninterest income to average assets | 0.2049% | 6,062 |
| Noninterest expense to average assets | 3.3919% | 2,022 |
| Loan and lease loss provision to assets | 0.0249% | 5,476 |
| Net operating income to assets | 0.0471% | 6,213 |
| Return on assets (ROA) | 0.0471% | 6,349 |
| Pretax return on assets | 0.0471% | 6,340 |
| Return on Equity (ROE) | 0.3627% | 6,360 |
| Retained earnings to average equity (ytd only) | 0.3627% | 5,979 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9217% | 606 |
| Assets per employee ($millions) | 5.1869% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0733% | 5,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 66.9938% | 2,462 |
| Net loans and leases to deposits | 77.8724% | 2,677 |
| Net loans and leases to core deposits | 81.9881% | 2,961 |
| Total domestic deposits to total assets | 86.0302% | 3,241 |
| Equity capital to assets | 12.4506% | 1,929 |
| Core capital (leverage) ratio | 12.2322% | 1,520 |
| Tier 1 risk-based capital ratio | 17.9710% | 2,366 |
| Total risk-based capital ratio | 19.0585% | 2,391 |
| Memoranda: | ||
| Average total assets | $48,152,500 | 6,336 |
| Average earning assets | $44,630,000 | 6,286 |
| Average equity | $6,250,750 | 6,021 |
| Average total loans | $31,990,500 | 5,927 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8672% | 2,243 |
| Cost of funding earning assets | 1.4071% | 341 |
| Net interest margin | 3.4601% | 4,841 |
| Noninterest income to average assets | 0.1833% | 6,253 |
| Noninterest expense to average assets | 3.4958% | 1,799 |
| Loan and lease loss provision to assets | 0.0384% | 5,195 |
| Net operating income to assets | -0.1535% | 6,492 |
| Return on assets (ROA) | -0.1535% | 6,583 |
| Pretax return on assets | -0.1535% | 6,559 |
| Return on Equity (ROE) | -1.1647% | 6,557 |
| Retained earnings to average equity (ytd only) | -1.1647% | 6,235 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4048% | 447 |
| Assets per employee ($millions) | 4.9514% | 2,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1207% | 5,697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 67.0013% | 2,463 |
| Net loans and leases to deposits | 78.2466% | 2,634 |
| Net loans and leases to core deposits | 82.6050% | 2,884 |
| Total domestic deposits to total assets | 85.6283% | 3,551 |
| Equity capital to assets | 12.8610% | 1,590 |
| Core capital (leverage) ratio | 12.7133% | 1,253 |
| Tier 1 risk-based capital ratio | 18.6223% | 2,095 |
| Total risk-based capital ratio | 19.7588% | 2,085 |
| Memoranda: | ||
| Average total assets | $46,913,670 | 6,409 |
| Average earning assets | $43,351,000 | 6,366 |
| Average equity | $6,181,670 | 6,067 |
| Average total loans | $30,945,330 | 6,016 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8494% | 2,445 |
| Cost of funding earning assets | 1.4672% | 332 |
| Net interest margin | 3.3822% | 5,190 |
| Noninterest income to average assets | 0.1842% | 6,274 |
| Noninterest expense to average assets | 3.5867% | 1,586 |
| Loan and lease loss provision to assets | 0.0789% | 4,415 |
| Net operating income to assets | -0.3683% | 6,749 |
| Return on assets (ROA) | -0.3683% | 6,790 |
| Pretax return on assets | -0.3683% | 6,766 |
| Return on Equity (ROE) | -2.7593% | 6,742 |
| Retained earnings to average equity (ytd only) | -2.7593% | 6,370 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.7766% | 358 |
| Assets per employee ($millions) | 5.2007% | 1,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 5,234 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 63.3637% | 2,974 |
| Net loans and leases to deposits | 74.5944% | 3,028 |
| Net loans and leases to core deposits | 79.0332% | 3,180 |
| Total domestic deposits to total assets | 84.9442% | 4,071 |
| Equity capital to assets | 13.4235% | 1,265 |
| Core capital (leverage) ratio | 13.7390% | 869 |
| Tier 1 risk-based capital ratio | 20.2558% | 1,647 |
| Total risk-based capital ratio | 21.5015% | 1,622 |
| Memoranda: | ||
| Average total assets | $45,613,500 | 6,493 |
| Average earning assets | $41,984,500 | 6,455 |
| Average equity | $6,088,500 | 6,121 |
| Average total loans | $29,642,500 | 6,131 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8531% | 3,570 |
| Cost of funding earning assets | 1.5700% | 538 |
| Net interest margin | 3.2830% | 5,865 |
| Noninterest income to average assets | 0.1755% | 6,237 |
| Noninterest expense to average assets | 4.0217% | 1,010 |
| Loan and lease loss provision to assets | 0.1681% | 4,539 |
| Net operating income to assets | -1.0061% | 6,742 |
| Return on assets (ROA) | -1.0061% | 6,768 |
| Pretax return on assets | -1.0061% | 6,736 |
| Return on Equity (ROE) | -6.8773% | 6,626 |
| Retained earnings to average equity (ytd only) | -6.8773% | 6,565 |
| Net charge-offs to loans | 0.0409% | 5,905 |
| Credit loss provision to net charge-offs | 618.1818% | 363 |
| Earnings coverage of net charge-offs (x) | -30.8182% | 6,421 |
| Efficiency ratio | 126.3199% | 258 |
| Assets per employee ($millions) | 4.9357% | 2,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 5,123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2229% | 6,404 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 65.0210% | 2,984 |
| Net loans and leases to deposits | 78.5270% | 2,751 |
| Net loans and leases to core deposits | 81.3583% | 3,268 |
| Total domestic deposits to total assets | 82.8009% | 4,835 |
| Equity capital to assets | 13.2685% | 1,373 |
| Core capital (leverage) ratio | 13.4052% | 1,005 |
| Tier 1 risk-based capital ratio | 19.3988% | 1,795 |
| Total risk-based capital ratio | 20.6473% | 1,762 |
| Memoranda: | ||
| Average total assets | $40,455,200 | 6,660 |
| Average earning assets | $37,069,400 | 6,639 |
| Average equity | $5,918,000 | 6,177 |
| Average total loans | $26,863,000 | 6,307 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8606% | 3,723 |
| Cost of funding earning assets | 1.5833% | 627 |
| Net interest margin | 3.2773% | 5,923 |
| Noninterest income to average assets | 0.1791% | 6,308 |
| Noninterest expense to average assets | 3.9225% | 1,117 |
| Loan and lease loss provision to assets | 0.1926% | 4,095 |
| Net operating income to assets | -0.9358% | 6,857 |
| Return on assets (ROA) | -0.9358% | 6,894 |
| Pretax return on assets | -0.9358% | 6,848 |
| Return on Equity (ROE) | -6.2343% | 6,733 |
| Retained earnings to average equity (ytd only) | -6.2343% | 6,660 |
| Net charge-offs to loans | 0.0051% | 6,114 |
| Credit loss provision to net charge-offs | 5,700.0000% | 51 |
| Earnings coverage of net charge-offs (x) | -220.5489% | 6,182 |
| Efficiency ratio | 123.3794% | 274 |
| Assets per employee ($millions) | 4.7062% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 5,044 |
| Loan loss allowance to noncurrent loans | 362.3762% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.2385% | 6,463 |
| Noncurrent loans to loans | 0.3567% | 6,137 |
| Net loans and leases to total assets | 65.9930% | 2,902 |
| Net loans and leases to deposits | 78.3760% | 2,905 |
| Net loans and leases to core deposits | 81.2865% | 3,442 |
| Total domestic deposits to total assets | 84.2006% | 4,132 |
| Equity capital to assets | 13.7666% | 1,261 |
| Core capital (leverage) ratio | 13.8464% | 940 |
| Tier 1 risk-based capital ratio | 19.8861% | 1,715 |
| Total risk-based capital ratio | 21.1309% | 1,684 |
| Memoranda: | ||
| Average total assets | $39,463,750 | 6,753 |
| Average earning assets | $36,126,250 | 6,732 |
| Average equity | $5,924,000 | 6,217 |
| Average total loans | $26,266,000 | 6,407 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8580% | 3,827 |
| Cost of funding earning assets | 1.5757% | 771 |
| Net interest margin | 3.2823% | 5,913 |
| Noninterest income to average assets | 0.1766% | 6,394 |
| Noninterest expense to average assets | 4.0572% | 963 |
| Loan and lease loss provision to assets | 0.1662% | 4,271 |
| Net operating income to assets | -1.0494% | 6,955 |
| Return on assets (ROA) | -1.0494% | 6,966 |
| Pretax return on assets | -1.0494% | 6,911 |
| Return on Equity (ROE) | -6.7842% | 6,817 |
| Retained earnings to average equity (ytd only) | -6.7842% | 6,709 |
| Net charge-offs to loans | 0.0156% | 5,625 |
| Credit loss provision to net charge-offs | 1,600.0000% | 216 |
| Earnings coverage of net charge-offs (x) | -85.0000% | 5,864 |
| Efficiency ratio | 127.8232% | 275 |
| Assets per employee ($millions) | 4.4713% | 2,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2784% | 5,158 |
| Loan loss allowance to noncurrent loans | 337.6238% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.2510% | 6,503 |
| Noncurrent loans to loans | 0.3787% | 6,145 |
| Net loans and leases to total assets | 65.4341% | 3,151 |
| Net loans and leases to deposits | 81.0914% | 2,601 |
| Net loans and leases to core deposits | 83.7319% | 3,250 |
| Total domestic deposits to total assets | 80.6918% | 5,625 |
| Equity capital to assets | 14.5892% | 917 |
| Core capital (leverage) ratio | 14.9446% | 675 |
| Tier 1 risk-based capital ratio | 21.5895% | 1,316 |
| Total risk-based capital ratio | 22.8703% | 1,283 |
| Memoranda: | ||
| Average total assets | $38,499,670 | 6,843 |
| Average earning assets | $35,158,670 | 6,833 |
| Average equity | $5,955,000 | 6,244 |
| Average total loans | $25,582,000 | 6,504 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8822% | 3,678 |
| Cost of funding earning assets | 1.6546% | 668 |
| Net interest margin | 3.2276% | 5,988 |
| Noninterest income to average assets | 0.1701% | 6,509 |
| Noninterest expense to average assets | 3.9651% | 1,081 |
| Loan and lease loss provision to assets | 0.2232% | 3,425 |
| Net operating income to assets | -1.0737% | 7,062 |
| Return on assets (ROA) | -1.0737% | 7,069 |
| Pretax return on assets | -1.0737% | 7,020 |
| Return on Equity (ROE) | -6.7367% | 6,903 |
| Retained earnings to average equity (ytd only) | -6.7367% | 6,655 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.3038% | 279 |
| Assets per employee ($millions) | 4.8164% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3067% | 5,096 |
| Loan loss allowance to noncurrent loans | 331.0000% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.2595% | 6,531 |
| Noncurrent loans to loans | 0.3948% | 6,206 |
| Net loans and leases to total assets | 64.8828% | 3,266 |
| Net loans and leases to deposits | 80.4065% | 2,636 |
| Net loans and leases to core deposits | 82.4158% | 3,395 |
| Total domestic deposits to total assets | 80.6935% | 5,750 |
| Equity capital to assets | 15.4369% | 675 |
| Core capital (leverage) ratio | 15.8966% | 518 |
| Tier 1 risk-based capital ratio | 22.7232% | 1,121 |
| Total risk-based capital ratio | 24.0054% | 1,096 |
| Memoranda: | ||
| Average total assets | $37,628,500 | 6,919 |
| Average earning assets | $34,328,500 | 6,909 |
| Average equity | $5,997,000 | 6,251 |
| Average total loans | $25,036,500 | 6,585 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5550% | 6,237 |
| Cost of funding earning assets | 1.9586% | 701 |
| Net interest margin | 2.5964% | 7,208 |
| Noninterest income to average assets | 0.1462% | 6,662 |
| Noninterest expense to average assets | 3.9223% | 1,277 |
| Loan and lease loss provision to assets | 0.3613% | 3,957 |
| Net operating income to assets | -1.8264% | 7,009 |
| Return on assets (ROA) | -1.7834% | 7,015 |
| Pretax return on assets | -1.7834% | 6,953 |
| Return on Equity (ROE) | -9.7987% | 6,720 |
| Retained earnings to average equity (ytd only) | -9.7987% | 6,654 |
| Net charge-offs to loans | 0.0104% | 6,729 |
| Credit loss provision to net charge-offs | 6,300.0000% | 24 |
| Earnings coverage of net charge-offs (x) | -255.5000% | 6,845 |
| Efficiency ratio | 159.6266% | 165 |
| Assets per employee ($millions) | 4.0807% | 3,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 5,237 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 66.5251% | 3,350 |
| Net loans and leases to deposits | 80.2997% | 3,116 |
| Net loans and leases to core deposits | 82.3486% | 3,855 |
| Total domestic deposits to total assets | 82.8459% | 4,864 |
| Equity capital to assets | 16.4625% | 523 |
| Core capital (leverage) ratio | 16.2710% | 481 |
| Tier 1 risk-based capital ratio | 23.6118% | 972 |
| Total risk-based capital ratio | 24.8352% | 952 |
| Memoranda: | ||
| Average total assets | $34,877,200 | 7,049 |
| Average earning assets | $31,042,800 | 7,050 |
| Average equity | $6,347,800 | 6,253 |
| Average total loans | $19,284,600 | 6,961 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4095% | 6,803 |
| Cost of funding earning assets | 2.0099% | 725 |
| Net interest margin | 2.3996% | 7,439 |
| Noninterest income to average assets | 0.1395% | 6,853 |
| Noninterest expense to average assets | 4.1337% | 897 |
| Loan and lease loss provision to assets | 0.3564% | 3,762 |
| Net operating income to assets | -2.2277% | 7,286 |
| Return on assets (ROA) | -2.1695% | 7,293 |
| Pretax return on assets | -2.1695% | 7,239 |
| Return on Equity (ROE) | -11.6242% | 6,991 |
| Retained earnings to average equity (ytd only) | -11.6242% | 6,954 |
| Net charge-offs to loans | 0.0149% | 6,469 |
| Credit loss provision to net charge-offs | 4,600.0000% | 56 |
| Earnings coverage of net charge-offs (x) | -241.1910% | 6,668 |
| Efficiency ratio | 182.7055% | 113 |
| Assets per employee ($millions) | 4.0904% | 3,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 5,085 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 57.8666% | 5,282 |
| Net loans and leases to deposits | 71.4602% | 4,920 |
| Net loans and leases to core deposits | 74.9024% | 5,181 |
| Total domestic deposits to total assets | 80.9773% | 5,373 |
| Equity capital to assets | 16.9637% | 518 |
| Core capital (leverage) ratio | 16.6808% | 467 |
| Tier 1 risk-based capital ratio | 27.2241% | 680 |
| Total risk-based capital ratio | 28.4510% | 672 |
| Memoranda: | ||
| Average total assets | $34,415,000 | 7,149 |
| Average earning assets | $30,448,500 | 7,157 |
| Average equity | $6,423,250 | 6,312 |
| Average total loans | $17,920,250 | 7,124 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2455% | 7,119 |
| Cost of funding earning assets | 2.0419% | 791 |
| Net interest margin | 2.2036% | 7,580 |
| Noninterest income to average assets | 0.1487% | 6,826 |
| Noninterest expense to average assets | 4.2421% | 768 |
| Loan and lease loss provision to assets | 0.3689% | 3,496 |
| Net operating income to assets | -2.5167% | 7,422 |
| Return on assets (ROA) | -2.5167% | 7,435 |
| Pretax return on assets | -2.5167% | 7,369 |
| Return on Equity (ROE) | -13.0502% | 7,076 |
| Retained earnings to average equity (ytd only) | -13.0502% | 7,035 |
| Net charge-offs to loans | 0.0240% | 6,004 |
| Credit loss provision to net charge-offs | 3,100.0000% | 133 |
| Earnings coverage of net charge-offs (x) | -180.5000% | 6,368 |
| Efficiency ratio | 202.5568% | 94 |
| Assets per employee ($millions) | 4.5483% | 2,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3052% | 4,888 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 50.9152% | 6,318 |
| Net loans and leases to deposits | 62.0138% | 6,234 |
| Net loans and leases to core deposits | 64.9830% | 6,314 |
| Total domestic deposits to total assets | 82.1030% | 4,940 |
| Equity capital to assets | 17.3913% | 478 |
| Core capital (leverage) ratio | 17.6933% | 377 |
| Tier 1 risk-based capital ratio | 30.3897% | 487 |
| Total risk-based capital ratio | 31.5830% | 485 |
| Memoranda: | ||
| Average total assets | $33,615,330 | 7,228 |
| Average earning assets | $29,678,670 | 7,241 |
| Average equity | $6,482,670 | 6,307 |
| Average total loans | $16,701,000 | 7,239 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1160% | 7,364 |
| Cost of funding earning assets | 2.0371% | 987 |
| Net interest margin | 2.0789% | 7,696 |
| Noninterest income to average assets | 0.1365% | 6,997 |
| Noninterest expense to average assets | 4.1948% | 814 |
| Loan and lease loss provision to assets | 0.4468% | 2,729 |
| Net operating income to assets | -2.6559% | 7,585 |
| Return on assets (ROA) | -2.6559% | 7,584 |
| Pretax return on assets | -2.6559% | 7,538 |
| Return on Equity (ROE) | -13.0488% | 7,258 |
| Retained earnings to average equity (ytd only) | -13.0488% | 7,122 |
| Net charge-offs to loans | 0.0255% | 5,215 |
| Credit loss provision to net charge-offs | 3,600.0000% | 132 |
| Earnings coverage of net charge-offs (x) | -178.0000% | 5,607 |
| Efficiency ratio | 211.2500% | 87 |
| Assets per employee ($millions) | 3.8064% | 4,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 5,073 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 49.7927% | 6,480 |
| Net loans and leases to deposits | 61.7149% | 6,303 |
| Net loans and leases to core deposits | 64.9087% | 6,384 |
| Total domestic deposits to total assets | 80.6819% | 5,567 |
| Equity capital to assets | 18.9328% | 346 |
| Core capital (leverage) ratio | 19.8449% | 259 |
| Tier 1 risk-based capital ratio | 33.5257% | 392 |
| Total risk-based capital ratio | 34.6696% | 389 |
| Memoranda: | ||
| Average total assets | $32,230,000 | 7,367 |
| Average earning assets | $28,668,500 | 7,366 |
| Average equity | $6,560,000 | 6,329 |
| Average total loans | $15,666,000 | 7,367 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8591% | 7,892 |
| Cost of funding earning assets | 1.4053% | 5,912 |
| Net interest margin | 1.4538% | 7,877 |
| Noninterest income to average assets | 0.0712% | 7,396 |
| Noninterest expense to average assets | 11.2970% | 81 |
| Loan and lease loss provision to assets | 0.9457% | 2,384 |
| Net operating income to assets | -10.9512% | 7,980 |
| Return on assets (ROA) | -10.9512% | 7,980 |
| Pretax return on assets | -10.9512% | 7,978 |
| Return on Equity (ROE) | -30.4657% | 7,413 |
| Retained earnings to average equity (ytd only) | -30.4657% | 7,398 |
| Net charge-offs to loans | 0.0122% | 7,050 |
| Credit loss provision to net charge-offs | 18,600.0000% | 20 |
| Earnings coverage of net charge-offs (x) | -1,968.0000% | 7,245 |
| Efficiency ratio | 874.8031% | 18 |
| Assets per employee ($millions) | 3.7753% | 4,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3164% | 4,666 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 45.9208% | 6,981 |
| Net loans and leases to deposits | 59.1984% | 6,690 |
| Net loans and leases to core deposits | 82.9039% | 5,825 |
| Total domestic deposits to total assets | 77.5710% | 6,331 |
| Equity capital to assets | 21.9654% | 225 |
| Core capital (leverage) ratio | 23.8199% | 177 |
| Tier 1 risk-based capital ratio | 40.1507% | 249 |
| Total risk-based capital ratio | 41.2658% | 245 |
| Memoranda: | ||
| Average total assets | $19,669,000 | 7,785 |
| Average earning assets | $16,508,750 | 7,806 |
| Average equity | $7,070,250 | 6,250 |
| Average total loans | $8,214,500 | 7,774 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3647% | 8,017 |
| Cost of funding earning assets | 1.0961% | 7,182 |
| Net interest margin | 1.2686% | 7,982 |
| Noninterest income to average assets | 0.0743% | 7,535 |
| Noninterest expense to average assets | 16.9653% | 57 |
| Loan and lease loss provision to assets | 1.1965% | 1,625 |
| Net operating income to assets | -17.0561% | 8,084 |
| Return on assets (ROA) | -17.0561% | 8,084 |
| Pretax return on assets | -17.0561% | 8,083 |
| Return on Equity (ROE) | -38.1937% | 7,737 |
| Retained earnings to average equity (ytd only) | -38.1937% | 7,728 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,534.3284% | 8 |
| Assets per employee ($millions) | 3.0931% | 5,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3741% | 4,090 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 42.0570% | 7,359 |
| Net loans and leases to deposits | 58.6707% | 6,923 |
| Net loans and leases to core deposits | 81.6107% | 6,222 |
| Total domestic deposits to total assets | 71.6832% | 7,253 |
| Equity capital to assets | 28.1148% | 136 |
| Core capital (leverage) ratio | 34.7457% | 99 |
| Tier 1 risk-based capital ratio | 53.4717% | 148 |
| Total risk-based capital ratio | 54.5867% | 147 |
| Memoranda: | ||
| Average total assets | $16,158,000 | 7,954 |
| Average earning assets | $13,137,670 | 7,977 |
| Average equity | $7,215,670 | 6,252 |
| Average total loans | $6,268,000 | 7,930 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7955% | 8,133 |
| Cost of funding earning assets | 0.6136% | 7,980 |
| Net interest margin | 1.1818% | 8,077 |
| Noninterest income to average assets | 0.0506% | 7,735 |
| Noninterest expense to average assets | 30.1572% | 39 |
| Loan and lease loss provision to assets | 1.7700% | 942 |
| Net operating income to assets | -31.0000% | 8,188 |
| Return on assets (ROA) | -31.0000% | 8,188 |
| Pretax return on assets | -31.0000% | 8,188 |
| Return on Equity (ROE) | -50.0749% | 7,912 |
| Retained earnings to average equity (ytd only) | -50.0749% | 7,908 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 3,252.7273% | 6 |
| Assets per employee ($millions) | 1.9154% | 7,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3937% | 3,758 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 48.4827% | 6,997 |
| Net loans and leases to deposits | 91.2654% | 2,609 |
| Net loans and leases to core deposits | 144.2524% | 829 |
| Total domestic deposits to total assets | 53.1228% | 8,039 |
| Equity capital to assets | 46.7271% | 67 |
| Core capital (leverage) ratio | 60.3434% | 48 |
| Tier 1 risk-based capital ratio | 76.8159% | 90 |
| Total risk-based capital ratio | 77.9409% | 89 |
| Memoranda: | ||
| Average total assets | $11,864,500 | 8,119 |
| Average earning assets | $8,800,000 | 8,131 |
| Average equity | $7,345,000 | 6,248 |
| Average total loans | $4,126,000 | 8,080 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4708% | 8,229 |
| Cost of funding earning assets | 0.0000% | 8,229 |
| Net interest margin | 0.4708% | 8,200 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 70.1880% | 18 |
| Loan and lease loss provision to assets | 0.4759% | 2,569 |
| Net operating income to assets | -70.3307% | 8,245 |
| Return on assets (ROA) | -70.3307% | 8,245 |
| Pretax return on assets | -70.3307% | 8,245 |
| Return on Equity (ROE) | -78.5126% | 8,115 |
| Retained earnings to average equity (ytd only) | -78.5126% | 8,106 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21,071.4286% | 2 |
| Assets per employee ($millions) | 1.0508% | 8,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3928% | 3,538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 8.4226% | 8,165 |
| Net loans and leases to deposits | 80.8219% | 4,488 |
| Net loans and leases to core deposits | 80.8219% | 6,324 |
| Total domestic deposits to total assets | 10.4211% | 8,208 |
| Equity capital to assets | 89.5789% | 12 |
| Core capital (leverage) ratio | 393.8285% | 1 |
| Tier 1 risk-based capital ratio | 187.3600% | 42 |
| Total risk-based capital ratio | 187.6089% | 43 |
| Memoranda: | ||
| Average total assets | $8,406,000 | 8,216 |
| Average earning assets | $5,947,000 | 8,221 |
| Average equity | $7,530,000 | 6,212 |
| Average total loans | $718,000 | 8,185 |