Home > Carolina Premier Bank > Performance and Condition Ratios
Carolina Premier Bank, Performance and Condition Ratios
| 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 | 4.4668% | 1,732 |
| Cost of funding earning assets | 0.6711% | 1,119 |
| Net interest margin | 3.7957% | 2,418 |
| Noninterest income to average assets | 0.5031% | 3,014 |
| Noninterest expense to average assets | 3.3017% | 1,344 |
| Loan and lease loss provision to assets | 0.1395% | 1,527 |
| Net operating income to assets | 0.4803% | 4,788 |
| Return on assets (ROA) | 0.4803% | 4,830 |
| Pretax return on assets | 0.6101% | 4,823 |
| Return on Equity (ROE) | 5.1811% | 4,455 |
| Retained earnings to average equity (ytd only) | 5.1811% | 2,756 |
| Net charge-offs to loans | 0.0469% | 2,506 |
| Credit loss provision to net charge-offs | 381.9444% | 804 |
| Earnings coverage of net charge-offs (x) | 20.5273% | 1,948 |
| Efficiency ratio | 80.9214% | 1,005 |
| Assets per employee ($millions) | 5.3005% | 2,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 3,221 |
| Loan loss allowance to noncurrent loans | 166.2642% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.5108% | 3,023 |
| Noncurrent loans to loans | 0.6890% | 2,642 |
| Net loans and leases to total assets | 73.2904% | 2,046 |
| Net loans and leases to deposits | 91.4998% | 1,622 |
| Net loans and leases to core deposits | 108.0344% | 1,137 |
| Total domestic deposits to total assets | 80.0990% | 4,293 |
| Equity capital to assets | 9.0369% | 4,882 |
| Core capital (leverage) ratio | 8.4678% | 5,266 |
| Tier 1 risk-based capital ratio | 10.9482% | 5,272 |
| Total risk-based capital ratio | 12.0671% | 5,251 |
| Memoranda: | ||
| Average total assets | $262,887,250 | 2,408 |
| Average earning assets | $245,745,250 | 2,394 |
| Average equity | $24,370,000 | 2,744 |
| Average total loans | $204,901,250 | 2,129 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4614% | 1,620 |
| Cost of funding earning assets | 0.6545% | 1,119 |
| Net interest margin | 3.8069% | 2,261 |
| Noninterest income to average assets | 0.5707% | 2,596 |
| Noninterest expense to average assets | 3.3753% | 1,214 |
| Loan and lease loss provision to assets | 0.0773% | 2,435 |
| Net operating income to assets | 0.5127% | 4,673 |
| Return on assets (ROA) | 0.5127% | 4,708 |
| Pretax return on assets | 0.6712% | 4,627 |
| Return on Equity (ROE) | 5.4815% | 4,280 |
| Retained earnings to average equity (ytd only) | 5.4815% | 2,420 |
| Net charge-offs to loans | 0.0029% | 3,395 |
| Credit loss provision to net charge-offs | 3,333.3333% | 125 |
| Earnings coverage of net charge-offs (x) | 322.6667% | 260 |
| Efficiency ratio | 81.2676% | 1,082 |
| Assets per employee ($millions) | 4.8581% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 3,724 |
| Loan loss allowance to noncurrent loans | 140.6289% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.6252% | 2,691 |
| Noncurrent loans to loans | 0.7635% | 2,485 |
| Net loans and leases to total assets | 78.5294% | 1,161 |
| Net loans and leases to deposits | 99.1687% | 798 |
| Net loans and leases to core deposits | 117.6460% | 655 |
| Total domestic deposits to total assets | 79.1878% | 4,586 |
| Equity capital to assets | 9.4181% | 4,497 |
| Core capital (leverage) ratio | 8.6975% | 5,046 |
| Tier 1 risk-based capital ratio | 10.5394% | 5,440 |
| Total risk-based capital ratio | 11.5817% | 5,456 |
| Memoranda: | ||
| Average total assets | $258,641,670 | 2,448 |
| Average earning assets | $241,401,670 | 2,436 |
| Average equity | $24,190,670 | 2,758 |
| Average total loans | $205,086,000 | 2,128 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4230% | 1,576 |
| Cost of funding earning assets | 0.6562% | 1,048 |
| Net interest margin | 3.7668% | 2,235 |
| Noninterest income to average assets | 0.5405% | 2,705 |
| Noninterest expense to average assets | 3.4082% | 1,188 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4985% | 4,603 |
| Return on assets (ROA) | 0.4985% | 4,627 |
| Pretax return on assets | 0.6464% | 4,608 |
| Return on Equity (ROE) | 5.3484% | 4,225 |
| Retained earnings to average equity (ytd only) | 5.3484% | 2,707 |
| Net charge-offs to loans | 0.0059% | 2,767 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 138.3333% | 395 |
| Efficiency ratio | 83.4806% | 1,020 |
| Assets per employee ($millions) | 4.9781% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 4,057 |
| Loan loss allowance to noncurrent loans | 180.7107% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.4759% | 3,315 |
| Noncurrent loans to loans | 0.5731% | 3,088 |
| Net loans and leases to total assets | 78.8424% | 1,007 |
| Net loans and leases to deposits | 97.6596% | 797 |
| Net loans and leases to core deposits | 110.9111% | 837 |
| Total domestic deposits to total assets | 80.7318% | 4,473 |
| Equity capital to assets | 9.3243% | 4,481 |
| Core capital (leverage) ratio | 8.8024% | 4,953 |
| Tier 1 risk-based capital ratio | 10.5672% | 5,514 |
| Total risk-based capital ratio | 11.5815% | 5,545 |
| Memoranda: | ||
| Average total assets | $256,794,500 | 2,488 |
| Average earning assets | $239,565,500 | 2,472 |
| Average equity | $23,932,500 | 2,799 |
| Average total loans | $203,505,500 | 2,146 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2769% | 2,223 |
| Cost of funding earning assets | 0.6114% | 1,268 |
| Net interest margin | 3.6655% | 2,837 |
| Noninterest income to average assets | 0.2935% | 4,641 |
| Noninterest expense to average assets | 3.3701% | 1,425 |
| Loan and lease loss provision to assets | 0.0507% | 3,376 |
| Net operating income to assets | 0.2689% | 5,285 |
| Return on assets (ROA) | 0.2744% | 5,345 |
| Pretax return on assets | 0.3053% | 5,357 |
| Return on Equity (ROE) | 2.8571% | 5,196 |
| Retained earnings to average equity (ytd only) | 2.8571% | 3,862 |
| Net charge-offs to loans | 0.1881% | 1,475 |
| Credit loss provision to net charge-offs | 36.0231% | 3,535 |
| Earnings coverage of net charge-offs (x) | 2.4841% | 3,821 |
| Efficiency ratio | 89.9280% | 556 |
| Assets per employee ($millions) | 4.9946% | 2,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 3,924 |
| Loan loss allowance to noncurrent loans | 70.7713% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 1.1860% | 1,524 |
| Noncurrent loans to loans | 1.5046% | 1,331 |
| Net loans and leases to total assets | 77.9831% | 1,197 |
| Net loans and leases to deposits | 96.8291% | 924 |
| Net loans and leases to core deposits | 110.4609% | 866 |
| Total domestic deposits to total assets | 80.5368% | 4,443 |
| Equity capital to assets | 9.3151% | 4,458 |
| Core capital (leverage) ratio | 8.9679% | 4,772 |
| Tier 1 risk-based capital ratio | 10.5852% | 5,535 |
| Total risk-based capital ratio | 11.6149% | 5,570 |
| Memoranda: | ||
| Average total assets | $246,342,200 | 2,538 |
| Average earning assets | $230,282,800 | 2,511 |
| Average equity | $23,660,600 | 2,828 |
| Average total loans | $184,467,000 | 2,270 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3143% | 2,117 |
| Cost of funding earning assets | 0.6052% | 1,283 |
| Net interest margin | 3.7091% | 2,684 |
| Noninterest income to average assets | 0.3062% | 4,578 |
| Noninterest expense to average assets | 3.3321% | 1,488 |
| Loan and lease loss provision to assets | 0.0136% | 3,981 |
| Net operating income to assets | 0.3879% | 5,059 |
| Return on assets (ROA) | 0.3952% | 5,127 |
| Pretax return on assets | 0.4378% | 5,245 |
| Return on Equity (ROE) | 4.0827% | 4,871 |
| Retained earnings to average equity (ytd only) | 4.0827% | 3,397 |
| Net charge-offs to loans | 0.2469% | 951 |
| Credit loss provision to net charge-offs | 7.4850% | 3,380 |
| Earnings coverage of net charge-offs (x) | 2.4312% | 3,573 |
| Efficiency ratio | 87.5940% | 700 |
| Assets per employee ($millions) | 4.8711% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 3,794 |
| Loan loss allowance to noncurrent loans | 103.0653% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 0.8392% | 2,448 |
| Noncurrent loans to loans | 1.0738% | 2,103 |
| Net loans and leases to total assets | 75.2454% | 1,663 |
| Net loans and leases to deposits | 90.5173% | 1,692 |
| Net loans and leases to core deposits | 103.3049% | 1,391 |
| Total domestic deposits to total assets | 83.1282% | 3,533 |
| Equity capital to assets | 9.8898% | 4,254 |
| Core capital (leverage) ratio | 8.9539% | 4,877 |
| Tier 1 risk-based capital ratio | 11.5576% | 5,051 |
| Total risk-based capital ratio | 12.6436% | 5,060 |
| Memoranda: | ||
| Average total assets | $244,246,000 | 2,565 |
| Average earning assets | $228,442,000 | 2,535 |
| Average equity | $23,643,750 | 2,851 |
| Average total loans | $180,388,250 | 2,309 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2518% | 2,328 |
| Cost of funding earning assets | 0.5968% | 1,339 |
| Net interest margin | 3.6550% | 2,874 |
| Noninterest income to average assets | 0.3092% | 4,568 |
| Noninterest expense to average assets | 3.3034% | 1,586 |
| Loan and lease loss provision to assets | 0.0205% | 3,728 |
| Net operating income to assets | 0.3762% | 5,103 |
| Return on assets (ROA) | 0.3837% | 5,161 |
| Pretax return on assets | 0.4156% | 5,317 |
| Return on Equity (ROE) | 3.9922% | 4,916 |
| Retained earnings to average equity (ytd only) | 3.9922% | 3,363 |
| Net charge-offs to loans | 0.4185% | 546 |
| Credit loss provision to net charge-offs | 6.6845% | 3,017 |
| Earnings coverage of net charge-offs (x) | 1.3984% | 3,413 |
| Efficiency ratio | 87.8755% | 730 |
| Assets per employee ($millions) | 5.0014% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 4,019 |
| Loan loss allowance to noncurrent loans | 56.2175% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 1.4629% | 1,322 |
| Noncurrent loans to loans | 1.9337% | 1,042 |
| Net loans and leases to total assets | 73.6823% | 1,905 |
| Net loans and leases to deposits | 88.8317% | 1,886 |
| Net loans and leases to core deposits | 101.1216% | 1,547 |
| Total domestic deposits to total assets | 82.9460% | 3,678 |
| Equity capital to assets | 9.9447% | 4,298 |
| Core capital (leverage) ratio | 8.8815% | 4,960 |
| Tier 1 risk-based capital ratio | 11.6579% | 5,057 |
| Total risk-based capital ratio | 12.7092% | 5,067 |
| Memoranda: | ||
| Average total assets | $244,476,330 | 2,573 |
| Average earning assets | $228,892,000 | 2,547 |
| Average equity | $23,496,000 | 2,874 |
| Average total loans | $178,746,000 | 2,327 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1719% | 2,576 |
| Cost of funding earning assets | 0.5765% | 1,500 |
| Net interest margin | 3.5954% | 3,099 |
| Noninterest income to average assets | 0.2659% | 4,831 |
| Noninterest expense to average assets | 3.2366% | 1,751 |
| Loan and lease loss provision to assets | 0.0405% | 3,106 |
| Net operating income to assets | 0.3439% | 5,167 |
| Return on assets (ROA) | 0.3713% | 5,153 |
| Pretax return on assets | 0.3957% | 5,314 |
| Return on Equity (ROE) | 3.9301% | 4,913 |
| Retained earnings to average equity (ytd only) | 3.9301% | 3,527 |
| Net charge-offs to loans | 0.1970% | 1,010 |
| Credit loss provision to net charge-offs | 28.4091% | 2,238 |
| Earnings coverage of net charge-offs (x) | 2.8523% | 2,622 |
| Efficiency ratio | 88.1620% | 800 |
| Assets per employee ($millions) | 5.4158% | 1,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2342% | 3,283 |
| Loan loss allowance to noncurrent loans | 52.1882% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 1.7369% | 1,097 |
| Noncurrent loans to loans | 2.3649% | 830 |
| Net loans and leases to total assets | 71.6335% | 2,095 |
| Net loans and leases to deposits | 85.0204% | 2,192 |
| Net loans and leases to core deposits | 98.3516% | 1,610 |
| Total domestic deposits to total assets | 84.2545% | 3,423 |
| Equity capital to assets | 9.3555% | 4,831 |
| Core capital (leverage) ratio | 8.7392% | 5,139 |
| Tier 1 risk-based capital ratio | 11.6017% | 5,173 |
| Total risk-based capital ratio | 12.8150% | 5,096 |
| Memoranda: | ||
| Average total assets | $246,681,000 | 2,563 |
| Average earning assets | $231,742,000 | 2,532 |
| Average equity | $23,307,000 | 2,892 |
| Average total loans | $178,703,500 | 2,323 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3534% | 2,049 |
| Cost of funding earning assets | 0.5575% | 1,700 |
| Net interest margin | 3.7959% | 2,391 |
| Noninterest income to average assets | 0.2635% | 4,998 |
| Noninterest expense to average assets | 4.0168% | 659 |
| Loan and lease loss provision to assets | 0.1241% | 1,937 |
| Net operating income to assets | -0.1311% | 5,936 |
| Return on assets (ROA) | -0.1311% | 5,952 |
| Pretax return on assets | -0.3541% | 6,001 |
| Return on Equity (ROE) | -1.3965% | 5,953 |
| Retained earnings to average equity (ytd only) | -1.3965% | 5,700 |
| Net charge-offs to loans | 0.1759% | 1,632 |
| Credit loss provision to net charge-offs | 97.0874% | 2,613 |
| Earnings coverage of net charge-offs (x) | -1.7994% | 4,353 |
| Efficiency ratio | 105.3741% | 192 |
| Assets per employee ($millions) | 4.9844% | 2,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2975% | 2,921 |
| Loan loss allowance to noncurrent loans | 55.2131% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 1.7225% | 1,124 |
| Noncurrent loans to loans | 2.3500% | 811 |
| Net loans and leases to total assets | 71.4171% | 2,144 |
| Net loans and leases to deposits | 84.8517% | 2,261 |
| Net loans and leases to core deposits | 98.0946% | 1,666 |
| Total domestic deposits to total assets | 84.1670% | 3,415 |
| Equity capital to assets | 9.5428% | 4,498 |
| Core capital (leverage) ratio | 8.6674% | 5,252 |
| Tier 1 risk-based capital ratio | 11.9400% | 4,993 |
| Total risk-based capital ratio | 13.1968% | 4,886 |
| Memoranda: | ||
| Average total assets | $241,758,200 | 2,565 |
| Average earning assets | $224,398,600 | 2,555 |
| Average equity | $22,700,000 | 2,905 |
| Average total loans | $175,677,000 | 2,290 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4156% | 1,881 |
| Cost of funding earning assets | 0.5642% | 1,675 |
| Net interest margin | 3.8514% | 2,179 |
| Noninterest income to average assets | 0.4667% | 3,589 |
| Noninterest expense to average assets | 3.9274% | 720 |
| Loan and lease loss provision to assets | 0.1382% | 1,610 |
| Net operating income to assets | 0.1051% | 5,843 |
| Return on assets (ROA) | 0.1051% | 5,880 |
| Pretax return on assets | -0.0398% | 5,989 |
| Return on Equity (ROE) | 1.1235% | 5,837 |
| Retained earnings to average equity (ytd only) | 1.1235% | 5,267 |
| Net charge-offs to loans | 0.2349% | 1,119 |
| Credit loss provision to net charge-offs | 80.9061% | 2,600 |
| Earnings coverage of net charge-offs (x) | 0.5761% | 3,932 |
| Efficiency ratio | 96.8823% | 394 |
| Assets per employee ($millions) | 4.5696% | 2,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3510% | 2,843 |
| Loan loss allowance to noncurrent loans | 53.1643% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 1.7726% | 1,215 |
| Noncurrent loans to loans | 2.5412% | 800 |
| Net loans and leases to total assets | 67.6252% | 2,749 |
| Net loans and leases to deposits | 80.2544% | 2,854 |
| Net loans and leases to core deposits | 91.1778% | 2,337 |
| Total domestic deposits to total assets | 84.2635% | 3,315 |
| Equity capital to assets | 9.3006% | 5,006 |
| Core capital (leverage) ratio | 8.7282% | 5,318 |
| Tier 1 risk-based capital ratio | 11.9253% | 5,126 |
| Total risk-based capital ratio | 13.1804% | 5,042 |
| Memoranda: | ||
| Average total assets | $241,138,500 | 2,586 |
| Average earning assets | $222,842,500 | 2,584 |
| Average equity | $22,548,250 | 2,939 |
| Average total loans | $175,416,250 | 2,299 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4743% | 1,621 |
| Cost of funding earning assets | 0.5637% | 1,696 |
| Net interest margin | 3.9106% | 1,938 |
| Noninterest income to average assets | 0.2907% | 4,886 |
| Noninterest expense to average assets | 4.0301% | 655 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0606% | 5,921 |
| Return on assets (ROA) | 0.0606% | 5,961 |
| Pretax return on assets | -0.1204% | 6,076 |
| Return on Equity (ROE) | 0.6473% | 5,947 |
| Retained earnings to average equity (ytd only) | 0.6473% | 5,303 |
| Net charge-offs to loans | 0.3103% | 852 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -0.5235% | 3,749 |
| Efficiency ratio | 102.3794% | 279 |
| Assets per employee ($millions) | 4.2225% | 3,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 3,778 |
| Loan loss allowance to noncurrent loans | 83.7469% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 1.4739% | 1,682 |
| Noncurrent loans to loans | 1.4349% | 1,859 |
| Net loans and leases to total assets | 71.6884% | 2,046 |
| Net loans and leases to deposits | 85.4893% | 2,109 |
| Net loans and leases to core deposits | 101.6125% | 1,356 |
| Total domestic deposits to total assets | 83.8566% | 3,628 |
| Equity capital to assets | 9.6079% | 4,521 |
| Core capital (leverage) ratio | 8.7509% | 5,275 |
| Tier 1 risk-based capital ratio | 11.7642% | 5,303 |
| Total risk-based capital ratio | 12.9059% | 5,282 |
| Memoranda: | ||
| Average total assets | $240,788,670 | 2,604 |
| Average earning assets | $222,829,670 | 2,601 |
| Average equity | $22,556,000 | 2,950 |
| Average total loans | $178,547,330 | 2,271 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5402% | 1,351 |
| Cost of funding earning assets | 0.5434% | 1,899 |
| Net interest margin | 3.9969% | 1,566 |
| Noninterest income to average assets | 0.3036% | 4,756 |
| Noninterest expense to average assets | 3.7508% | 931 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2987% | 5,425 |
| Return on assets (ROA) | 0.2987% | 5,524 |
| Pretax return on assets | 0.2628% | 5,725 |
| Return on Equity (ROE) | 3.2279% | 5,292 |
| Retained earnings to average equity (ytd only) | 3.2279% | 4,053 |
| Net charge-offs to loans | 0.5557% | 445 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.6314% | 3,029 |
| Efficiency ratio | 92.7613% | 665 |
| Assets per employee ($millions) | 4.5144% | 3,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 4,355 |
| Loan loss allowance to noncurrent loans | 147.6912% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.5800% | 3,744 |
| Noncurrent loans to loans | 0.7675% | 3,338 |
| Net loans and leases to total assets | 71.9038% | 1,819 |
| Net loans and leases to deposits | 84.9657% | 1,954 |
| Net loans and leases to core deposits | 100.3130% | 1,300 |
| Total domestic deposits to total assets | 84.6268% | 3,571 |
| Equity capital to assets | 9.1905% | 5,099 |
| Core capital (leverage) ratio | 8.6275% | 5,395 |
| Tier 1 risk-based capital ratio | 11.2169% | 5,705 |
| Total risk-based capital ratio | 12.3065% | 5,699 |
| Memoranda: | ||
| Average total assets | $245,064,500 | 2,597 |
| Average earning assets | $227,476,500 | 2,579 |
| Average equity | $22,677,500 | 2,960 |
| Average total loans | $183,565,000 | 2,250 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6966% | 1,316 |
| Cost of funding earning assets | 0.5907% | 1,854 |
| Net interest margin | 4.1058% | 1,561 |
| Noninterest income to average assets | 0.3613% | 4,508 |
| Noninterest expense to average assets | 3.6069% | 1,295 |
| Loan and lease loss provision to assets | 0.2378% | 997 |
| Net operating income to assets | 0.3304% | 5,440 |
| Return on assets (ROA) | 0.2865% | 5,619 |
| Pretax return on assets | 0.2837% | 5,732 |
| Return on Equity (ROE) | 3.1548% | 5,422 |
| Retained earnings to average equity (ytd only) | 2.0361% | 4,764 |
| Net charge-offs to loans | 0.3289% | 1,340 |
| Credit loss provision to net charge-offs | 96.3756% | 2,508 |
| Earnings coverage of net charge-offs (x) | 2.2916% | 4,199 |
| Efficiency ratio | 85.7477% | 1,198 |
| Assets per employee ($millions) | 4.0307% | 3,883 |
| Cash dividends to net income (ytd only)* | 35.4610% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 3,799 |
| Loan loss allowance to noncurrent loans | 158.4308% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.6231% | 3,717 |
| Noncurrent loans to loans | 0.7789% | 3,363 |
| Net loans and leases to total assets | 76.1875% | 1,234 |
| Net loans and leases to deposits | 90.2081% | 1,499 |
| Net loans and leases to core deposits | 107.0530% | 954 |
| Total domestic deposits to total assets | 84.4574% | 3,527 |
| Equity capital to assets | 9.3186% | 4,940 |
| Core capital (leverage) ratio | 7.9219% | 6,040 |
| Tier 1 risk-based capital ratio | 10.5048% | 6,101 |
| Total risk-based capital ratio | 11.7175% | 6,054 |
| Memoranda: | ||
| Average total assets | $246,030,800 | 2,562 |
| Average earning assets | $228,359,000 | 2,533 |
| Average equity | $22,346,600 | 2,913 |
| Average total loans | $184,567,400 | 2,176 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7141% | 1,278 |
| Cost of funding earning assets | 0.5914% | 1,909 |
| Net interest margin | 4.1226% | 1,510 |
| Noninterest income to average assets | 0.3578% | 4,575 |
| Noninterest expense to average assets | 3.5707% | 1,345 |
| Loan and lease loss provision to assets | 0.0459% | 3,470 |
| Net operating income to assets | 0.4571% | 5,043 |
| Return on assets (ROA) | 0.4571% | 5,125 |
| Pretax return on assets | 0.5666% | 5,137 |
| Return on Equity (ROE) | 5.0643% | 4,691 |
| Retained earnings to average equity (ytd only) | 5.0643% | 3,042 |
| Net charge-offs to loans | -0.0159% | 5,550 |
| Credit loss provision to net charge-offs | -386.3636% | 5,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6362% | 1,316 |
| Assets per employee ($millions) | 4.2236% | 3,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 3,777 |
| Loan loss allowance to noncurrent loans | 113.7044% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.8650% | 3,260 |
| Noncurrent loans to loans | 1.1218% | 2,813 |
| Net loans and leases to total assets | 74.2510% | 1,482 |
| Net loans and leases to deposits | 89.3712% | 1,495 |
| Net loans and leases to core deposits | 108.3251% | 832 |
| Total domestic deposits to total assets | 83.0816% | 4,113 |
| Equity capital to assets | 9.0227% | 5,331 |
| Core capital (leverage) ratio | 8.3282% | 5,824 |
| Tier 1 risk-based capital ratio | 10.6421% | 6,159 |
| Total risk-based capital ratio | 11.8920% | 6,107 |
| Memoranda: | ||
| Average total assets | $247,078,750 | 2,565 |
| Average earning assets | $229,266,000 | 2,545 |
| Average equity | $22,299,250 | 2,922 |
| Average total loans | $184,071,000 | 2,188 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6911% | 1,297 |
| Cost of funding earning assets | 0.5924% | 1,960 |
| Net interest margin | 4.0987% | 1,513 |
| Noninterest income to average assets | 0.3478% | 4,646 |
| Noninterest expense to average assets | 3.5915% | 1,310 |
| Loan and lease loss provision to assets | 0.0694% | 2,880 |
| Net operating income to assets | 0.4090% | 5,184 |
| Return on assets (ROA) | 0.4090% | 5,268 |
| Pretax return on assets | 0.4882% | 5,308 |
| Return on Equity (ROE) | 4.5317% | 4,904 |
| Retained earnings to average equity (ytd only) | 4.5317% | 3,295 |
| Net charge-offs to loans | 0.0066% | 4,152 |
| Credit loss provision to net charge-offs | 1,416.6667% | 254 |
| Earnings coverage of net charge-offs (x) | 113.8333% | 505 |
| Efficiency ratio | 85.7930% | 1,289 |
| Assets per employee ($millions) | 3.8379% | 4,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2590% | 4,092 |
| Loan loss allowance to noncurrent loans | 85.5769% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.1652% | 2,748 |
| Noncurrent loans to loans | 1.4712% | 2,352 |
| Net loans and leases to total assets | 76.7269% | 1,080 |
| Net loans and leases to deposits | 95.8011% | 815 |
| Net loans and leases to core deposits | 116.3011% | 468 |
| Total domestic deposits to total assets | 80.0898% | 5,215 |
| Equity capital to assets | 9.1624% | 5,143 |
| Core capital (leverage) ratio | 8.4568% | 5,677 |
| Tier 1 risk-based capital ratio | 10.2923% | 6,309 |
| Total risk-based capital ratio | 11.5209% | 6,274 |
| Memoranda: | ||
| Average total assets | $244,966,330 | 2,588 |
| Average earning assets | $227,195,670 | 2,572 |
| Average equity | $22,110,670 | 2,935 |
| Average total loans | $181,896,330 | 2,211 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7039% | 1,247 |
| Cost of funding earning assets | 0.6197% | 1,817 |
| Net interest margin | 4.0842% | 1,510 |
| Noninterest income to average assets | 0.3548% | 4,540 |
| Noninterest expense to average assets | 3.5759% | 1,353 |
| Loan and lease loss provision to assets | 0.0818% | 2,526 |
| Net operating income to assets | 0.4120% | 5,071 |
| Return on assets (ROA) | 0.4120% | 5,137 |
| Pretax return on assets | 0.4905% | 5,199 |
| Return on Equity (ROE) | 4.5999% | 4,740 |
| Retained earnings to average equity (ytd only) | 4.5999% | 3,357 |
| Net charge-offs to loans | 0.0045% | 3,578 |
| Credit loss provision to net charge-offs | 2,500.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 175.0000% | 286 |
| Efficiency ratio | 85.4158% | 1,505 |
| Assets per employee ($millions) | 3.9337% | 4,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2800% | 4,225 |
| Loan loss allowance to noncurrent loans | 219.6296% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.4726% | 4,721 |
| Noncurrent loans to loans | 0.5828% | 4,416 |
| Net loans and leases to total assets | 76.2409% | 975 |
| Net loans and leases to deposits | 92.4258% | 921 |
| Net loans and leases to core deposits | 110.1184% | 585 |
| Total domestic deposits to total assets | 82.4887% | 4,790 |
| Equity capital to assets | 9.2264% | 4,842 |
| Core capital (leverage) ratio | 8.3780% | 5,770 |
| Tier 1 risk-based capital ratio | 10.5397% | 6,319 |
| Total risk-based capital ratio | 11.7900% | 6,286 |
| Memoranda: | ||
| Average total assets | $244,638,000 | 2,599 |
| Average earning assets | $227,215,500 | 2,580 |
| Average equity | $21,913,500 | 2,948 |
| Average total loans | $177,413,500 | 2,263 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2314% | 3,229 |
| Cost of funding earning assets | 0.6862% | 1,911 |
| Net interest margin | 3.5452% | 3,709 |
| Noninterest income to average assets | 0.3679% | 4,680 |
| Noninterest expense to average assets | 3.3668% | 1,957 |
| Loan and lease loss provision to assets | 0.0492% | 4,147 |
| Net operating income to assets | 0.2401% | 5,717 |
| Return on assets (ROA) | 0.2985% | 5,624 |
| Pretax return on assets | 0.3067% | 5,720 |
| Return on Equity (ROE) | 3.3142% | 5,397 |
| Retained earnings to average equity (ytd only) | 2.1761% | 4,700 |
| Net charge-offs to loans | -0.0474% | 6,322 |
| Credit loss provision to net charge-offs | -151.8987% | 5,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9753% | 953 |
| Assets per employee ($millions) | 4.2258% | 3,403 |
| Cash dividends to net income (ytd only)* | 34.3407% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3710% | 3,791 |
| Loan loss allowance to noncurrent loans | 228.0667% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.4304% | 4,959 |
| Noncurrent loans to loans | 0.6011% | 4,481 |
| Net loans and leases to total assets | 67.0571% | 2,510 |
| Net loans and leases to deposits | 77.4133% | 2,799 |
| Net loans and leases to core deposits | 85.9282% | 2,453 |
| Total domestic deposits to total assets | 86.6221% | 2,927 |
| Equity capital to assets | 8.6988% | 5,367 |
| Core capital (leverage) ratio | 8.2934% | 5,882 |
| Tier 1 risk-based capital ratio | 11.2404% | 6,055 |
| Total risk-based capital ratio | 12.4919% | 5,999 |
| Memoranda: | ||
| Average total assets | $243,848,200 | 2,587 |
| Average earning assets | $226,616,800 | 2,549 |
| Average equity | $21,966,000 | 2,930 |
| Average total loans | $166,495,600 | 2,343 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2513% | 3,194 |
| Cost of funding earning assets | 0.7027% | 1,928 |
| Net interest margin | 3.5485% | 3,663 |
| Noninterest income to average assets | 0.3712% | 4,742 |
| Noninterest expense to average assets | 3.2321% | 2,260 |
| Loan and lease loss provision to assets | 0.0660% | 3,737 |
| Net operating income to assets | 0.3187% | 5,547 |
| Return on assets (ROA) | 0.3882% | 5,429 |
| Pretax return on assets | 0.4525% | 5,490 |
| Return on Equity (ROE) | 4.2718% | 5,087 |
| Retained earnings to average equity (ytd only) | 4.2718% | 3,637 |
| Net charge-offs to loans | 0.0008% | 5,204 |
| Credit loss provision to net charge-offs | 12,000.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 797.9774% | 61 |
| Efficiency ratio | 87.0842% | 1,249 |
| Assets per employee ($millions) | 4.1328% | 3,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3300% | 4,243 |
| Loan loss allowance to noncurrent loans | 128.2286% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.7658% | 4,192 |
| Noncurrent loans to loans | 1.0372% | 3,727 |
| Net loans and leases to total assets | 70.6693% | 1,842 |
| Net loans and leases to deposits | 82.4323% | 2,084 |
| Net loans and leases to core deposits | 93.7487% | 1,594 |
| Total domestic deposits to total assets | 85.7301% | 3,386 |
| Equity capital to assets | 9.3776% | 4,706 |
| Core capital (leverage) ratio | 8.4216% | 5,839 |
| Tier 1 risk-based capital ratio | 11.5829% | 6,018 |
| Total risk-based capital ratio | 12.8338% | 5,983 |
| Memoranda: | ||
| Average total assets | $242,479,750 | 2,620 |
| Average earning assets | $225,402,250 | 2,572 |
| Average equity | $22,035,500 | 2,958 |
| Average total loans | $165,741,500 | 2,360 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1667% | 3,486 |
| Cost of funding earning assets | 0.7142% | 1,968 |
| Net interest margin | 3.4525% | 3,994 |
| Noninterest income to average assets | 0.4134% | 4,421 |
| Noninterest expense to average assets | 3.1399% | 2,556 |
| Loan and lease loss provision to assets | 0.0980% | 3,153 |
| Net operating income to assets | 0.3203% | 5,521 |
| Return on assets (ROA) | 0.4200% | 5,295 |
| Pretax return on assets | 0.5066% | 5,348 |
| Return on Equity (ROE) | 4.6691% | 4,912 |
| Retained earnings to average equity (ytd only) | 4.6691% | 3,286 |
| Net charge-offs to loans | 0.0231% | 4,377 |
| Credit loss provision to net charge-offs | 631.5789% | 464 |
| Earnings coverage of net charge-offs (x) | 31.2105% | 1,118 |
| Efficiency ratio | 85.5951% | 1,455 |
| Assets per employee ($millions) | 4.0775% | 3,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 4,445 |
| Loan loss allowance to noncurrent loans | 158.5053% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.6277% | 4,663 |
| Noncurrent loans to loans | 0.8278% | 4,262 |
| Net loans and leases to total assets | 72.0700% | 1,567 |
| Net loans and leases to deposits | 84.1873% | 1,776 |
| Net loans and leases to core deposits | 96.4935% | 1,309 |
| Total domestic deposits to total assets | 85.6067% | 3,577 |
| Equity capital to assets | 9.4768% | 4,613 |
| Core capital (leverage) ratio | 8.4532% | 5,718 |
| Tier 1 risk-based capital ratio | 11.3894% | 6,161 |
| Total risk-based capital ratio | 12.6400% | 6,125 |
| Memoranda: | ||
| Average total assets | $244,782,330 | 2,602 |
| Average earning assets | $227,663,000 | 2,560 |
| Average equity | $22,017,000 | 2,986 |
| Average total loans | $164,748,330 | 2,371 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9446% | 4,311 |
| Cost of funding earning assets | 0.6429% | 2,719 |
| Net interest margin | 3.3017% | 4,513 |
| Noninterest income to average assets | 0.3140% | 5,179 |
| Noninterest expense to average assets | 2.9725% | 3,078 |
| Loan and lease loss provision to assets | 0.0717% | 3,433 |
| Net operating income to assets | 0.3220% | 5,489 |
| Return on assets (ROA) | 0.3220% | 5,622 |
| Pretax return on assets | 0.3554% | 5,704 |
| Return on Equity (ROE) | 3.6706% | 5,256 |
| Retained earnings to average equity (ytd only) | 3.6706% | 4,031 |
| Net charge-offs to loans | -0.0049% | 5,262 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3572% | 1,475 |
| Assets per employee ($millions) | 4.1366% | 3,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 4,628 |
| Loan loss allowance to noncurrent loans | 104.2226% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.8839% | 4,177 |
| Noncurrent loans to loans | 1.2599% | 3,673 |
| Net loans and leases to total assets | 69.2300% | 1,794 |
| Net loans and leases to deposits | 80.6994% | 1,989 |
| Net loans and leases to core deposits | 92.1882% | 1,489 |
| Total domestic deposits to total assets | 85.7875% | 3,641 |
| Equity capital to assets | 9.3619% | 5,040 |
| Core capital (leverage) ratio | 8.1452% | 5,998 |
| Tier 1 risk-based capital ratio | 11.3399% | 6,261 |
| Total risk-based capital ratio | 12.5905% | 6,239 |
| Memoranda: | ||
| Average total assets | $250,963,500 | 2,570 |
| Average earning assets | $234,547,500 | 2,523 |
| Average equity | $22,012,500 | 3,027 |
| Average total loans | $162,256,500 | 2,422 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2912% | 4,220 |
| Cost of funding earning assets | 0.9265% | 1,776 |
| Net interest margin | 3.3647% | 5,021 |
| Noninterest income to average assets | 0.2546% | 5,641 |
| Noninterest expense to average assets | 3.0969% | 2,930 |
| Loan and lease loss provision to assets | 0.1440% | 3,807 |
| Net operating income to assets | 0.1433% | 5,903 |
| Return on assets (ROA) | 0.4128% | 5,302 |
| Pretax return on assets | 0.5147% | 5,234 |
| Return on Equity (ROE) | 4.1778% | 5,068 |
| Retained earnings to average equity (ytd only) | 3.7151% | 3,601 |
| Net charge-offs to loans | 0.1794% | 3,939 |
| Credit loss provision to net charge-offs | 125.0000% | 2,264 |
| Earnings coverage of net charge-offs (x) | 2.7937% | 4,033 |
| Efficiency ratio | 89.9719% | 1,075 |
| Assets per employee ($millions) | 4.2926% | 3,370 |
| Cash dividends to net income (ytd only)* | 11.0742% | 4,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3362% | 4,471 |
| Loan loss allowance to noncurrent loans | 62.7694% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 1.4748% | 3,173 |
| Noncurrent loans to loans | 2.1288% | 2,551 |
| Net loans and leases to total assets | 58.9839% | 3,798 |
| Net loans and leases to deposits | 68.6196% | 3,887 |
| Net loans and leases to core deposits | 77.9437% | 3,266 |
| Total domestic deposits to total assets | 85.9579% | 3,376 |
| Equity capital to assets | 8.2479% | 6,242 |
| Core capital (leverage) ratio | 7.7243% | 6,392 |
| Tier 1 risk-based capital ratio | 11.3218% | 6,205 |
| Total risk-based capital ratio | 12.5720% | 6,170 |
| Memoranda: | ||
| Average total assets | $218,768,200 | 2,852 |
| Average earning assets | $205,723,800 | 2,795 |
| Average equity | $21,614,400 | 3,024 |
| Average total loans | $140,477,800 | 2,711 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4794% | 3,719 |
| Cost of funding earning assets | 0.9821% | 1,663 |
| Net interest margin | 3.4974% | 4,658 |
| Noninterest income to average assets | 0.2390% | 5,840 |
| Noninterest expense to average assets | 3.0406% | 3,092 |
| Loan and lease loss provision to assets | 0.1385% | 3,811 |
| Net operating income to assets | 0.2823% | 5,670 |
| Return on assets (ROA) | 0.4040% | 5,457 |
| Pretax return on assets | 0.5071% | 5,447 |
| Return on Equity (ROE) | 3.8828% | 5,335 |
| Retained earnings to average equity (ytd only) | 3.8828% | 4,154 |
| Net charge-offs to loans | 0.2336% | 3,323 |
| Credit loss provision to net charge-offs | 90.3361% | 3,282 |
| Earnings coverage of net charge-offs (x) | 3.2184% | 3,741 |
| Efficiency ratio | 85.6153% | 1,418 |
| Assets per employee ($millions) | 4.6182% | 2,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 4,281 |
| Loan loss allowance to noncurrent loans | 70.9565% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 1.4866% | 3,367 |
| Noncurrent loans to loans | 2.0040% | 2,839 |
| Net loans and leases to total assets | 58.8902% | 3,977 |
| Net loans and leases to deposits | 71.0137% | 3,750 |
| Net loans and leases to core deposits | 83.0483% | 2,816 |
| Total domestic deposits to total assets | 82.9280% | 4,668 |
| Equity capital to assets | 9.1565% | 5,643 |
| Core capital (leverage) ratio | 7.9264% | 6,384 |
| Tier 1 risk-based capital ratio | 12.2782% | 5,788 |
| Total risk-based capital ratio | 13.5293% | 5,760 |
| Memoranda: | ||
| Average total assets | $206,924,750 | 2,999 |
| Average earning assets | $194,959,750 | 2,924 |
| Average equity | $21,530,250 | 3,057 |
| Average total loans | $135,820,500 | 2,812 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4957% | 3,785 |
| Cost of funding earning assets | 1.0337% | 1,556 |
| Net interest margin | 3.4620% | 4,837 |
| Noninterest income to average assets | 0.2073% | 6,077 |
| Noninterest expense to average assets | 2.9778% | 3,343 |
| Loan and lease loss provision to assets | 0.1685% | 3,419 |
| Net operating income to assets | 0.2568% | 5,746 |
| Return on assets (ROA) | 0.4422% | 5,297 |
| Pretax return on assets | 0.5913% | 5,171 |
| Return on Equity (ROE) | 4.0510% | 5,241 |
| Retained earnings to average equity (ytd only) | 4.0510% | 3,910 |
| Net charge-offs to loans | 0.3587% | 2,580 |
| Credit loss provision to net charge-offs | 69.0377% | 3,587 |
| Earnings coverage of net charge-offs (x) | 2.1004% | 3,938 |
| Efficiency ratio | 85.3130% | 1,498 |
| Assets per employee ($millions) | 4.9173% | 2,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4696% | 4,158 |
| Loan loss allowance to noncurrent loans | 50.7527% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 2.3458% | 2,380 |
| Noncurrent loans to loans | 2.8956% | 2,066 |
| Net loans and leases to total assets | 67.7980% | 2,312 |
| Net loans and leases to deposits | 85.4111% | 1,668 |
| Net loans and leases to core deposits | 100.9806% | 1,041 |
| Total domestic deposits to total assets | 79.3785% | 5,886 |
| Equity capital to assets | 11.0258% | 3,086 |
| Core capital (leverage) ratio | 10.1114% | 3,256 |
| Tier 1 risk-based capital ratio | 14.1689% | 4,326 |
| Total risk-based capital ratio | 15.4213% | 4,288 |
| Memoranda: | ||
| Average total assets | $195,850,670 | 3,138 |
| Average earning assets | $185,732,000 | 3,046 |
| Average equity | $21,377,330 | 3,063 |
| Average total loans | $133,273,000 | 2,870 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5738% | 3,627 |
| Cost of funding earning assets | 1.0726% | 1,536 |
| Net interest margin | 3.5011% | 4,693 |
| Noninterest income to average assets | 0.2395% | 5,912 |
| Noninterest expense to average assets | 3.0415% | 3,109 |
| Loan and lease loss provision to assets | 0.1842% | 3,130 |
| Net operating income to assets | 0.2298% | 5,888 |
| Return on assets (ROA) | 0.5219% | 4,936 |
| Pretax return on assets | 0.7389% | 4,655 |
| Return on Equity (ROE) | 4.8062% | 4,879 |
| Retained earnings to average equity (ytd only) | 4.8062% | 3,669 |
| Net charge-offs to loans | 0.0484% | 4,025 |
| Credit loss provision to net charge-offs | 562.5000% | 600 |
| Earnings coverage of net charge-offs (x) | 15.6250% | 1,410 |
| Efficiency ratio | 85.5991% | 1,514 |
| Assets per employee ($millions) | 4.9439% | 2,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6130% | 3,673 |
| Loan loss allowance to noncurrent loans | 107.1715% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 1.2692% | 4,019 |
| Noncurrent loans to loans | 1.5051% | 3,864 |
| Net loans and leases to total assets | 65.9117% | 2,483 |
| Net loans and leases to deposits | 82.7136% | 1,830 |
| Net loans and leases to core deposits | 97.2506% | 1,182 |
| Total domestic deposits to total assets | 79.6867% | 5,924 |
| Equity capital to assets | 10.7566% | 3,201 |
| Core capital (leverage) ratio | 10.0676% | 3,291 |
| Tier 1 risk-based capital ratio | 14.6485% | 3,986 |
| Total risk-based capital ratio | 15.9103% | 3,940 |
| Memoranda: | ||
| Average total assets | $195,429,500 | 3,164 |
| Average earning assets | $184,968,000 | 3,079 |
| Average equity | $21,222,500 | 3,084 |
| Average total loans | $132,238,000 | 2,904 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1866% | 2,122 |
| Cost of funding earning assets | 1.2483% | 1,747 |
| Net interest margin | 3.9383% | 3,164 |
| Noninterest income to average assets | 0.1455% | 6,421 |
| Noninterest expense to average assets | 3.0570% | 3,363 |
| Loan and lease loss provision to assets | 0.1804% | 4,391 |
| Net operating income to assets | 0.3876% | 4,918 |
| Return on assets (ROA) | 0.4485% | 4,858 |
| Pretax return on assets | 0.7240% | 4,242 |
| Return on Equity (ROE) | 4.6071% | 4,570 |
| Retained earnings to average equity (ytd only) | 4.6071% | 2,900 |
| Net charge-offs to loans | 0.1898% | 4,625 |
| Credit loss provision to net charge-offs | 134.0426% | 2,254 |
| Earnings coverage of net charge-offs (x) | 6.0128% | 2,620 |
| Efficiency ratio | 79.0667% | 2,435 |
| Assets per employee ($millions) | 5.0816% | 2,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5629% | 3,735 |
| Loan loss allowance to noncurrent loans | 105.9035% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 1.2760% | 4,092 |
| Noncurrent loans to loans | 1.4758% | 3,943 |
| Net loans and leases to total assets | 67.2862% | 2,519 |
| Net loans and leases to deposits | 84.8546% | 1,824 |
| Net loans and leases to core deposits | 100.0539% | 1,170 |
| Total domestic deposits to total assets | 79.2959% | 5,919 |
| Equity capital to assets | 10.9647% | 3,010 |
| Core capital (leverage) ratio | 10.1917% | 3,091 |
| Tier 1 risk-based capital ratio | 14.5599% | 3,928 |
| Total risk-based capital ratio | 15.8142% | 3,900 |
| Memoranda: | ||
| Average total assets | $174,582,800 | 3,420 |
| Average earning assets | $164,943,200 | 3,323 |
| Average equity | $16,995,600 | 3,579 |
| Average total loans | $123,844,000 | 3,102 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3878% | 1,549 |
| Cost of funding earning assets | 1.2815% | 1,809 |
| Net interest margin | 4.1063% | 2,448 |
| Noninterest income to average assets | 0.1702% | 6,370 |
| Noninterest expense to average assets | 3.0423% | 3,386 |
| Loan and lease loss provision to assets | 0.1765% | 4,269 |
| Net operating income to assets | 0.4990% | 4,556 |
| Return on assets (ROA) | 0.4880% | 4,785 |
| Pretax return on assets | 0.8128% | 4,077 |
| Return on Equity (ROE) | 5.1990% | 4,451 |
| Retained earnings to average equity (ytd only) | 5.1990% | 3,063 |
| Net charge-offs to loans | -0.0416% | 7,016 |
| Credit loss provision to net charge-offs | -592.1053% | 6,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1405% | 2,983 |
| Assets per employee ($millions) | 5.5400% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7541% | 3,091 |
| Loan loss allowance to noncurrent loans | 208.5422% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.8208% | 5,126 |
| Noncurrent loans to loans | 0.8411% | 5,193 |
| Net loans and leases to total assets | 66.7851% | 2,720 |
| Net loans and leases to deposits | 85.0393% | 1,829 |
| Net loans and leases to core deposits | 100.4792% | 1,203 |
| Total domestic deposits to total assets | 78.5343% | 6,088 |
| Equity capital to assets | 11.3123% | 2,854 |
| Core capital (leverage) ratio | 10.5843% | 2,778 |
| Tier 1 risk-based capital ratio | 14.7183% | 3,825 |
| Total risk-based capital ratio | 15.9748% | 3,798 |
| Memoranda: | ||
| Average total assets | $169,953,000 | 3,521 |
| Average earning assets | $160,531,000 | 3,415 |
| Average equity | $15,951,250 | 3,748 |
| Average total loans | $121,806,500 | 3,165 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3548% | 1,707 |
| Cost of funding earning assets | 1.3128% | 1,867 |
| Net interest margin | 4.0420% | 2,643 |
| Noninterest income to average assets | 0.1734% | 6,422 |
| Noninterest expense to average assets | 2.9814% | 3,709 |
| Loan and lease loss provision to assets | 0.2747% | 3,189 |
| Net operating income to assets | 0.4481% | 4,730 |
| Return on assets (ROA) | 0.4481% | 4,869 |
| Pretax return on assets | 0.7215% | 4,309 |
| Return on Equity (ROE) | 5.1815% | 4,371 |
| Retained earnings to average equity (ytd only) | 5.1815% | 2,890 |
| Net charge-offs to loans | 0.3525% | 3,145 |
| Credit loss provision to net charge-offs | 106.6351% | 2,891 |
| Earnings coverage of net charge-offs (x) | 3.8673% | 3,030 |
| Efficiency ratio | 74.9540% | 3,188 |
| Assets per employee ($millions) | 5.7599% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5991% | 3,697 |
| Loan loss allowance to noncurrent loans | 125.2038% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 1.2060% | 4,476 |
| Noncurrent loans to loans | 1.2772% | 4,532 |
| Net loans and leases to total assets | 71.1180% | 1,977 |
| Net loans and leases to deposits | 88.4284% | 1,439 |
| Net loans and leases to core deposits | 107.0816% | 860 |
| Total domestic deposits to total assets | 80.4243% | 5,699 |
| Equity capital to assets | 8.6431% | 6,008 |
| Core capital (leverage) ratio | 7.6399% | 6,631 |
| Tier 1 risk-based capital ratio | 9.9990% | 6,971 |
| Total risk-based capital ratio | 11.2531% | 6,971 |
| Memoranda: | ||
| Average total assets | $163,817,000 | 3,618 |
| Average earning assets | $154,180,000 | 3,561 |
| Average equity | $14,165,670 | 4,093 |
| Average total loans | $119,727,670 | 3,236 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3224% | 1,803 |
| Cost of funding earning assets | 1.3246% | 2,040 |
| Net interest margin | 3.9978% | 2,687 |
| Noninterest income to average assets | 0.1481% | 6,667 |
| Noninterest expense to average assets | 2.9775% | 3,739 |
| Loan and lease loss provision to assets | 0.1883% | 3,738 |
| Net operating income to assets | 0.4519% | 4,712 |
| Return on assets (ROA) | 0.4519% | 4,797 |
| Pretax return on assets | 0.7331% | 4,175 |
| Return on Equity (ROE) | 5.2246% | 4,281 |
| Retained earnings to average equity (ytd only) | 5.2246% | 3,048 |
| Net charge-offs to loans | 0.0888% | 4,061 |
| Credit loss provision to net charge-offs | 288.4615% | 1,106 |
| Earnings coverage of net charge-offs (x) | 14.1154% | 1,387 |
| Efficiency ratio | 76.3683% | 3,097 |
| Assets per employee ($millions) | 5.3696% | 1,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7689% | 3,105 |
| Loan loss allowance to noncurrent loans | 90.1552% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 1.3999% | 4,188 |
| Noncurrent loans to loans | 1.9621% | 3,622 |
| Net loans and leases to total assets | 70.0822% | 2,111 |
| Net loans and leases to deposits | 85.9052% | 1,745 |
| Net loans and leases to core deposits | 104.4734% | 1,032 |
| Total domestic deposits to total assets | 81.5809% | 5,466 |
| Equity capital to assets | 8.5699% | 5,815 |
| Core capital (leverage) ratio | 7.9247% | 6,332 |
| Tier 1 risk-based capital ratio | 10.4282% | 6,847 |
| Total risk-based capital ratio | 11.6840% | 6,832 |
| Memoranda: | ||
| Average total assets | $159,327,500 | 3,720 |
| Average earning assets | $149,482,500 | 3,652 |
| Average equity | $13,781,000 | 4,157 |
| Average total loans | $117,148,500 | 3,305 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9868% | 4,623 |
| Cost of funding earning assets | 1.5682% | 2,251 |
| Net interest margin | 3.4186% | 5,560 |
| Noninterest income to average assets | 0.2089% | 6,306 |
| Noninterest expense to average assets | 3.6267% | 1,859 |
| Loan and lease loss provision to assets | 1.3542% | 1,119 |
| Net operating income to assets | 0.4986% | 4,101 |
| Return on assets (ROA) | 0.5501% | 4,044 |
| Pretax return on assets | -1.4429% | 6,836 |
| Return on Equity (ROE) | 5.4938% | 3,841 |
| Retained earnings to average equity (ytd only) | 5.4938% | 2,116 |
| Net charge-offs to loans | 0.8414% | 2,527 |
| Credit loss provision to net charge-offs | 212.0000% | 1,444 |
| Earnings coverage of net charge-offs (x) | -0.2647% | 6,334 |
| Efficiency ratio | 104.8902% | 649 |
| Assets per employee ($millions) | 6.3027% | 1,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6612% | 3,353 |
| Loan loss allowance to noncurrent loans | 91.3404% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 1.3778% | 4,280 |
| Noncurrent loans to loans | 1.8187% | 3,792 |
| Net loans and leases to total assets | 74.4997% | 1,568 |
| Net loans and leases to deposits | 94.2610% | 1,039 |
| Net loans and leases to core deposits | 114.7456% | 687 |
| Total domestic deposits to total assets | 79.0356% | 6,069 |
| Equity capital to assets | 8.7309% | 5,540 |
| Core capital (leverage) ratio | 8.3983% | 5,537 |
| Tier 1 risk-based capital ratio | 9.8044% | 7,050 |
| Total risk-based capital ratio | 11.0588% | 7,041 |
| Memoranda: | ||
| Average total assets | $133,067,600 | 4,199 |
| Average earning assets | $126,454,600 | 4,092 |
| Average equity | $13,324,000 | 4,304 |
| Average total loans | $101,027,200 | 3,764 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6923% | 6,050 |
| Cost of funding earning assets | 1.6456% | 2,128 |
| Net interest margin | 3.0467% | 6,738 |
| Noninterest income to average assets | 0.1796% | 6,595 |
| Noninterest expense to average assets | 3.6467% | 1,680 |
| Loan and lease loss provision to assets | 0.9474% | 1,582 |
| Net operating income to assets | -1.5093% | 7,109 |
| Return on assets (ROA) | -1.3969% | 7,094 |
| Pretax return on assets | -1.3969% | 7,011 |
| Return on Equity (ROE) | -13.4180% | 7,053 |
| Retained earnings to average equity (ytd only) | -13.4180% | 7,020 |
| Net charge-offs to loans | 0.8419% | 2,346 |
| Credit loss provision to net charge-offs | 148.1117% | 2,645 |
| Earnings coverage of net charge-offs (x) | -0.8785% | 6,428 |
| Efficiency ratio | 118.2159% | 413 |
| Assets per employee ($millions) | 5.9950% | 1,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 5,402 |
| Loan loss allowance to noncurrent loans | 69.2469% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 1.3289% | 4,497 |
| Noncurrent loans to loans | 1.7573% | 4,005 |
| Net loans and leases to total assets | 74.7013% | 1,636 |
| Net loans and leases to deposits | 86.9862% | 2,151 |
| Net loans and leases to core deposits | 104.0072% | 1,484 |
| Total domestic deposits to total assets | 85.8772% | 3,141 |
| Equity capital to assets | 8.7114% | 5,993 |
| Core capital (leverage) ratio | 9.1555% | 4,449 |
| Tier 1 risk-based capital ratio | 10.3674% | 6,849 |
| Total risk-based capital ratio | 11.4821% | 6,923 |
| Memoranda: | ||
| Average total assets | $126,942,750 | 4,394 |
| Average earning assets | $121,046,250 | 4,262 |
| Average equity | $13,215,750 | 4,392 |
| Average total loans | $96,441,500 | 3,956 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6772% | 6,223 |
| Cost of funding earning assets | 1.7144% | 2,046 |
| Net interest margin | 2.9627% | 6,916 |
| Noninterest income to average assets | 0.1698% | 6,691 |
| Noninterest expense to average assets | 3.7462% | 1,459 |
| Loan and lease loss provision to assets | 0.2506% | 4,417 |
| Net operating income to assets | -0.9976% | 6,943 |
| Return on assets (ROA) | -0.8211% | 6,884 |
| Pretax return on assets | -0.8211% | 6,794 |
| Return on Equity (ROE) | -7.4091% | 6,863 |
| Retained earnings to average equity (ytd only) | -7.4091% | 6,774 |
| Net charge-offs to loans | 0.7799% | 2,298 |
| Credit loss provision to net charge-offs | 42.2222% | 5,571 |
| Earnings coverage of net charge-offs (x) | -1.2583% | 6,154 |
| Efficiency ratio | 124.9038% | 355 |
| Assets per employee ($millions) | 5.6693% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8146% | 7,001 |
| Loan loss allowance to noncurrent loans | 38.2791% | 5,802 |
| Noncurrent assets plus other real estate owned to assets | 1.6488% | 3,957 |
| Noncurrent loans to loans | 2.1280% | 3,555 |
| Net loans and leases to total assets | 76.8525% | 1,319 |
| Net loans and leases to deposits | 91.6466% | 1,587 |
| Net loans and leases to core deposits | 101.2120% | 1,905 |
| Total domestic deposits to total assets | 83.8574% | 4,171 |
| Equity capital to assets | 10.1845% | 3,792 |
| Core capital (leverage) ratio | 10.2828% | 2,851 |
| Tier 1 risk-based capital ratio | 11.9932% | 5,319 |
| Total risk-based capital ratio | 12.7440% | 5,745 |
| Memoranda: | ||
| Average total assets | $121,296,670 | 4,539 |
| Average earning assets | $115,839,000 | 4,418 |
| Average equity | $13,443,000 | 4,339 |
| Average total loans | $92,320,330 | 4,100 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6829% | 6,306 |
| Cost of funding earning assets | 1.8343% | 1,726 |
| Net interest margin | 2.8486% | 7,102 |
| Noninterest income to average assets | 0.1645% | 6,793 |
| Noninterest expense to average assets | 3.8887% | 1,186 |
| Loan and lease loss provision to assets | 0.1747% | 4,772 |
| Net operating income to assets | -1.1855% | 7,209 |
| Return on assets (ROA) | -1.1855% | 7,227 |
| Pretax return on assets | -1.1855% | 7,137 |
| Return on Equity (ROE) | -10.2333% | 7,150 |
| Retained earnings to average equity (ytd only) | -10.2333% | 6,982 |
| Net charge-offs to loans | 1.0277% | 1,603 |
| Credit loss provision to net charge-offs | 22.5664% | 4,919 |
| Earnings coverage of net charge-offs (x) | -1.3053% | 5,414 |
| Efficiency ratio | 135.1190% | 291 |
| Assets per employee ($millions) | 5.7307% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 6,668 |
| 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 | 70.7682% | 2,743 |
| Net loans and leases to deposits | 85.0242% | 2,759 |
| Net loans and leases to core deposits | 93.7481% | 2,870 |
| Total domestic deposits to total assets | 83.2330% | 4,508 |
| Equity capital to assets | 10.6207% | 3,128 |
| Core capital (leverage) ratio | 11.1914% | 2,099 |
| Tier 1 risk-based capital ratio | 13.4772% | 3,997 |
| Total risk-based capital ratio | 14.3448% | 4,238 |
| Memoranda: | ||
| Average total assets | $116,748,000 | 4,700 |
| Average earning assets | $111,212,500 | 4,579 |
| Average equity | $13,524,500 | 4,350 |
| Average total loans | $87,963,500 | 4,257 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5901% | 7,295 |
| Cost of funding earning assets | 1.7556% | 4,223 |
| Net interest margin | 2.8345% | 7,001 |
| Noninterest income to average assets | 0.0519% | 7,496 |
| Noninterest expense to average assets | 4.2974% | 992 |
| Loan and lease loss provision to assets | 0.5132% | 3,809 |
| Net operating income to assets | -2.0393% | 7,109 |
| Return on assets (ROA) | -1.9379% | 7,067 |
| Pretax return on assets | -1.9379% | 6,917 |
| Return on Equity (ROE) | -10.8593% | 6,686 |
| Retained earnings to average equity (ytd only) | -10.8593% | 6,584 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.0647% | 281 |
| Assets per employee ($millions) | 5.1153% | 2,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 5,356 |
| 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 | 78.9594% | 1,193 |
| Net loans and leases to deposits | 98.5797% | 1,046 |
| Net loans and leases to core deposits | 116.1125% | 2,304 |
| Total domestic deposits to total assets | 80.0970% | 5,647 |
| Equity capital to assets | 12.7154% | 1,637 |
| Core capital (leverage) ratio | 13.4592% | 1,103 |
| Tier 1 risk-based capital ratio | 14.9822% | 2,949 |
| Total risk-based capital ratio | 16.1143% | 2,967 |
| Memoranda: | ||
| Average total assets | $80,862,200 | 5,705 |
| Average earning assets | $77,580,600 | 5,538 |
| Average equity | $14,430,000 | 4,164 |
| Average total loans | $65,618,600 | 5,037 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5007% | 7,505 |
| Cost of funding earning assets | 1.7655% | 4,550 |
| Net interest margin | 2.7352% | 7,158 |
| Noninterest income to average assets | 0.0647% | 7,587 |
| Noninterest expense to average assets | 4.6005% | 662 |
| Loan and lease loss provision to assets | 0.4563% | 3,631 |
| Net operating income to assets | -2.3622% | 7,432 |
| Return on assets (ROA) | -2.2149% | 7,381 |
| Pretax return on assets | -2.2149% | 7,257 |
| Return on Equity (ROE) | -11.2425% | 6,973 |
| Retained earnings to average equity (ytd only) | -11.2425% | 6,900 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 170.7333% | 232 |
| Assets per employee ($millions) | 4.6806% | 2,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 5,105 |
| 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 | 76.4803% | 1,896 |
| Net loans and leases to deposits | 96.1858% | 1,549 |
| Net loans and leases to core deposits | 106.8790% | 3,604 |
| Total domestic deposits to total assets | 79.5131% | 5,618 |
| Equity capital to assets | 14.9566% | 1,014 |
| Core capital (leverage) ratio | 16.1607% | 652 |
| Tier 1 risk-based capital ratio | 18.2407% | 1,925 |
| Total risk-based capital ratio | 19.3760% | 1,904 |
| Memoranda: | ||
| Average total assets | $74,222,500 | 5,927 |
| Average earning assets | $71,364,750 | 5,808 |
| Average equity | $14,622,750 | 4,161 |
| Average total loans | $60,560,750 | 5,256 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6368% | 7,477 |
| Cost of funding earning assets | 1.8075% | 4,720 |
| Net interest margin | 2.8294% | 6,958 |
| Noninterest income to average assets | 0.0561% | 7,712 |
| Noninterest expense to average assets | 4.8672% | 566 |
| Loan and lease loss provision to assets | 0.3542% | 3,800 |
| Net operating income to assets | -2.4439% | 7,542 |
| Return on assets (ROA) | -2.2019% | 7,479 |
| Pretax return on assets | -2.2019% | 7,344 |
| Return on Equity (ROE) | -10.0607% | 7,043 |
| Retained earnings to average equity (ytd only) | -10.0607% | 6,885 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 175.2391% | 266 |
| Assets per employee ($millions) | 4.0239% | 3,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 4,947 |
| 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 | 79.2934% | 1,460 |
| Net loans and leases to deposits | 106.6480% | 731 |
| Net loans and leases to core deposits | 123.8164% | 2,042 |
| Total domestic deposits to total assets | 74.3506% | 6,901 |
| Equity capital to assets | 18.8571% | 469 |
| Core capital (leverage) ratio | 19.9116% | 365 |
| Tier 1 risk-based capital ratio | 23.0533% | 1,122 |
| Total risk-based capital ratio | 24.2262% | 1,111 |
| Memoranda: | ||
| Average total assets | $67,759,670 | 6,161 |
| Average earning assets | $65,173,670 | 6,039 |
| Average equity | $14,830,000 | 4,139 |
| Average total loans | $56,593,000 | 5,488 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5097% | 7,709 |
| Cost of funding earning assets | 1.8235% | 5,006 |
| Net interest margin | 2.6862% | 7,233 |
| Noninterest income to average assets | 0.0442% | 7,860 |
| Noninterest expense to average assets | 5.4437% | 375 |
| Loan and lease loss provision to assets | 0.4352% | 2,751 |
| Net operating income to assets | -3.2423% | 7,878 |
| Return on assets (ROA) | -2.7250% | 7,803 |
| Pretax return on assets | -2.7250% | 7,705 |
| Return on Equity (ROE) | -11.4920% | 7,447 |
| Retained earnings to average equity (ytd only) | -11.4920% | 7,236 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 206.4593% | 173 |
| Assets per employee ($millions) | 3.6179% | 4,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 4,808 |
| 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 | 82.0541% | 1,009 |
| Net loans and leases to deposits | 115.6080% | 397 |
| Net loans and leases to core deposits | 139.7730% | 1,112 |
| Total domestic deposits to total assets | 70.9761% | 7,331 |
| Equity capital to assets | 21.4999% | 334 |
| Core capital (leverage) ratio | 23.3177% | 271 |
| Tier 1 risk-based capital ratio | 25.3682% | 944 |
| Total risk-based capital ratio | 26.5440% | 927 |
| Memoranda: | ||
| Average total assets | $63,412,500 | 6,343 |
| Average earning assets | $61,201,500 | 6,207 |
| Average equity | $15,036,500 | 4,136 |
| Average total loans | $54,210,000 | 5,621 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1160% | 7,757 |
| Cost of funding earning assets | 1.6797% | 7,304 |
| Net interest margin | 3.4363% | 5,522 |
| Noninterest income to average assets | 0.0390% | 7,940 |
| Noninterest expense to average assets | 7.3115% | 268 |
| Loan and lease loss provision to assets | 1.3495% | 1,047 |
| Net operating income to assets | -5.3848% | 8,113 |
| Return on assets (ROA) | -5.3848% | 8,104 |
| Pretax return on assets | -5.3666% | 8,056 |
| Return on Equity (ROE) | -12.7099% | 7,481 |
| Retained earnings to average equity (ytd only) | -12.7099% | 7,310 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 221.9416% | 167 |
| Assets per employee ($millions) | 3.2269% | 5,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 4,533 |
| Loan loss allowance to noncurrent loans | 331.1828% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.3202% | 6,325 |
| Noncurrent loans to loans | 0.3624% | 6,280 |
| Net loans and leases to total assets | 87.3117% | 437 |
| Net loans and leases to deposits | 134.8122% | 156 |
| Net loans and leases to core deposits | 165.2331% | 485 |
| Total domestic deposits to total assets | 64.7654% | 7,739 |
| Equity capital to assets | 26.3304% | 238 |
| Core capital (leverage) ratio | 29.1086% | 198 |
| Tier 1 risk-based capital ratio | 28.8098% | 708 |
| Total risk-based capital ratio | 29.9765% | 706 |
| Memoranda: | ||
| Average total assets | $38,459,800 | 7,282 |
| Average earning assets | $36,434,600 | 7,219 |
| Average equity | $16,294,400 | 3,866 |
| Average total loans | $27,321,800 | 6,881 |