Home > Castle Rock Bank > Performance and Condition Ratios
Castle Rock 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 | 3.6449% | 4,456 |
| Cost of funding earning assets | 0.2809% | 4,306 |
| Net interest margin | 3.3640% | 3,971 |
| Noninterest income to average assets | 0.3632% | 3,933 |
| Noninterest expense to average assets | 1.7929% | 5,282 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6813% | 601 |
| Return on assets (ROA) | 1.6813% | 618 |
| Pretax return on assets | 1.6813% | 1,168 |
| Return on Equity (ROE) | 15.9685% | 530 |
| Retained earnings to average equity (ytd only) | 11.2336% | 384 |
| Net charge-offs to loans | -0.0233% | 4,903 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6061% | 5,131 |
| Assets per employee ($millions) | 7.6335% | 720 |
| Cash dividends to net income (ytd only)* | 29.6518% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9357% | 653 |
| Loan loss allowance to noncurrent loans | 101.0338% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.6927% | 854 |
| Noncurrent loans to loans | 1.9159% | 906 |
| Net loans and leases to total assets | 51.2062% | 4,633 |
| Net loans and leases to deposits | 58.1801% | 4,744 |
| Net loans and leases to core deposits | 61.3050% | 4,748 |
| Total domestic deposits to total assets | 88.0134% | 1,357 |
| Equity capital to assets | 11.2199% | 2,647 |
| Core capital (leverage) ratio | 10.8535% | 2,594 |
| Tier 1 risk-based capital ratio | 19.0790% | 1,560 |
| Total risk-based capital ratio | 20.3355% | 1,522 |
| Memoranda: | ||
| Average total assets | $145,756,500 | 3,555 |
| Average earning assets | $134,797,000 | 3,559 |
| Average equity | $15,346,500 | 3,710 |
| Average total loans | $74,445,500 | 3,892 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5952% | 4,524 |
| Cost of funding earning assets | 0.2845% | 4,238 |
| Net interest margin | 3.3107% | 4,070 |
| Noninterest income to average assets | 0.3603% | 3,979 |
| Noninterest expense to average assets | 1.8055% | 5,305 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6151% | 673 |
| Return on assets (ROA) | 1.6151% | 700 |
| Pretax return on assets | 1.6151% | 1,300 |
| Return on Equity (ROE) | 15.6806% | 571 |
| Retained earnings to average equity (ytd only) | 10.9458% | 444 |
| Net charge-offs to loans | -0.0297% | 4,949 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7833% | 5,113 |
| Assets per employee ($millions) | 7.7786% | 674 |
| Cash dividends to net income (ytd only)* | 30.1951% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9130% | 709 |
| Loan loss allowance to noncurrent loans | 98.4533% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 1.6855% | 864 |
| Noncurrent loans to loans | 1.9430% | 883 |
| Net loans and leases to total assets | 50.7920% | 4,657 |
| Net loans and leases to deposits | 57.3744% | 4,780 |
| Net loans and leases to core deposits | 60.3229% | 4,805 |
| Total domestic deposits to total assets | 88.5272% | 1,188 |
| Equity capital to assets | 10.7238% | 3,111 |
| Core capital (leverage) ratio | 10.6851% | 2,715 |
| Tier 1 risk-based capital ratio | 18.4462% | 1,730 |
| Total risk-based capital ratio | 19.7014% | 1,691 |
| Memoranda: | ||
| Average total assets | $145,996,330 | 3,570 |
| Average earning assets | $134,956,670 | 3,574 |
| Average equity | $15,037,670 | 3,757 |
| Average total loans | $74,016,000 | 3,921 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5199% | 4,637 |
| Cost of funding earning assets | 0.2861% | 4,182 |
| Net interest margin | 3.2338% | 4,231 |
| Noninterest income to average assets | 0.4301% | 3,444 |
| Noninterest expense to average assets | 1.7643% | 5,420 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6568% | 601 |
| Return on assets (ROA) | 1.6568% | 615 |
| Pretax return on assets | 1.6568% | 1,106 |
| Return on Equity (ROE) | 16.4297% | 472 |
| Retained earnings to average equity (ytd only) | 16.4297% | 187 |
| Net charge-offs to loans | -0.0550% | 5,231 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5713% | 5,285 |
| Assets per employee ($millions) | 7.5998% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9564% | 725 |
| Loan loss allowance to noncurrent loans | 96.0604% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.7500% | 838 |
| Noncurrent loans to loans | 2.0366% | 870 |
| Net loans and leases to total assets | 50.7746% | 4,606 |
| Net loans and leases to deposits | 57.2266% | 4,750 |
| Net loans and leases to core deposits | 62.0726% | 4,655 |
| Total domestic deposits to total assets | 88.7255% | 1,304 |
| Equity capital to assets | 10.4684% | 3,215 |
| Core capital (leverage) ratio | 10.6479% | 2,744 |
| Tier 1 risk-based capital ratio | 17.8079% | 1,938 |
| Total risk-based capital ratio | 19.0640% | 1,886 |
| Memoranda: | ||
| Average total assets | $145,098,000 | 3,615 |
| Average earning assets | $134,207,500 | 3,620 |
| Average equity | $14,632,000 | 3,827 |
| Average total loans | $72,758,500 | 3,979 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6452% | 4,386 |
| Cost of funding earning assets | 0.3116% | 3,934 |
| Net interest margin | 3.3335% | 4,045 |
| Noninterest income to average assets | 0.3924% | 3,951 |
| Noninterest expense to average assets | 2.1065% | 4,989 |
| Loan and lease loss provision to assets | -0.2106% | 5,791 |
| Net operating income to assets | 1.5674% | 732 |
| Return on assets (ROA) | 1.5674% | 759 |
| Pretax return on assets | 1.5674% | 1,376 |
| Return on Equity (ROE) | 15.0158% | 625 |
| Retained earnings to average equity (ytd only) | 6.9128% | 1,266 |
| Net charge-offs to loans | -0.1633% | 5,701 |
| Credit loss provision to net charge-offs | 260.8696% | 1,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8229% | 4,453 |
| Assets per employee ($millions) | 7.6736% | 687 |
| Cash dividends to net income (ytd only)* | 53.9633% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0541% | 597 |
| Loan loss allowance to noncurrent loans | 93.2008% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 1.7929% | 824 |
| Noncurrent loans to loans | 2.2039% | 775 |
| Net loans and leases to total assets | 47.5202% | 4,926 |
| Net loans and leases to deposits | 53.0822% | 5,054 |
| Net loans and leases to core deposits | 57.7102% | 4,985 |
| Total domestic deposits to total assets | 89.5219% | 849 |
| Equity capital to assets | 9.7038% | 4,064 |
| Core capital (leverage) ratio | 9.9945% | 3,486 |
| Tier 1 risk-based capital ratio | 17.7677% | 1,915 |
| Total risk-based capital ratio | 19.0226% | 1,870 |
| Memoranda: | ||
| Average total assets | $142,465,800 | 3,633 |
| Average earning assets | $131,241,600 | 3,631 |
| Average equity | $14,871,000 | 3,825 |
| Average total loans | $70,436,200 | 4,035 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7072% | 4,227 |
| Cost of funding earning assets | 0.3150% | 3,928 |
| Net interest margin | 3.3922% | 3,874 |
| Noninterest income to average assets | 0.4057% | 3,883 |
| Noninterest expense to average assets | 1.9797% | 5,245 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.5486% | 801 |
| Return on assets (ROA) | 1.5486% | 842 |
| Pretax return on assets | 1.5486% | 1,542 |
| Return on Equity (ROE) | 14.5716% | 727 |
| Retained earnings to average equity (ytd only) | 10.5766% | 478 |
| Net charge-offs to loans | -0.1895% | 5,746 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1099% | 5,053 |
| Assets per employee ($millions) | 8.2156% | 535 |
| Cash dividends to net income (ytd only)* | 27.4165% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4521% | 348 |
| Loan loss allowance to noncurrent loans | 110.0697% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.9496% | 808 |
| Noncurrent loans to loans | 2.2278% | 835 |
| Net loans and leases to total assets | 46.7534% | 5,042 |
| Net loans and leases to deposits | 52.7819% | 5,166 |
| Net loans and leases to core deposits | 57.4760% | 5,078 |
| Total domestic deposits to total assets | 88.5786% | 1,117 |
| Equity capital to assets | 10.6566% | 3,399 |
| Core capital (leverage) ratio | 10.3269% | 3,192 |
| Tier 1 risk-based capital ratio | 17.9191% | 1,947 |
| Total risk-based capital ratio | 19.1803% | 1,909 |
| Memoranda: | ||
| Average total assets | $141,632,500 | 3,661 |
| Average earning assets | $130,372,750 | 3,667 |
| Average equity | $15,051,750 | 3,826 |
| Average total loans | $70,361,000 | 4,067 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7454% | 4,139 |
| Cost of funding earning assets | 0.3213% | 3,886 |
| Net interest margin | 3.4240% | 3,783 |
| Noninterest income to average assets | 0.4257% | 3,687 |
| Noninterest expense to average assets | 1.9964% | 5,272 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5751% | 767 |
| Return on assets (ROA) | 1.5751% | 807 |
| Pretax return on assets | 1.5751% | 1,439 |
| Return on Equity (ROE) | 14.8353% | 694 |
| Retained earnings to average equity (ytd only) | 11.2716% | 407 |
| Net charge-offs to loans | -0.0199% | 4,952 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8989% | 5,155 |
| Assets per employee ($millions) | 7.9036% | 589 |
| Cash dividends to net income (ytd only)* | 24.0218% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2653% | 498 |
| Loan loss allowance to noncurrent loans | 101.9207% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 2.0511% | 790 |
| Noncurrent loans to loans | 2.2227% | 839 |
| Net loans and leases to total assets | 49.8868% | 4,849 |
| Net loans and leases to deposits | 56.5069% | 4,984 |
| Net loans and leases to core deposits | 62.2116% | 4,871 |
| Total domestic deposits to total assets | 88.2845% | 1,284 |
| Equity capital to assets | 10.9332% | 3,127 |
| Core capital (leverage) ratio | 10.4683% | 3,008 |
| Tier 1 risk-based capital ratio | 16.9781% | 2,232 |
| Total risk-based capital ratio | 18.2355% | 2,188 |
| Memoranda: | ||
| Average total assets | $139,550,000 | 3,729 |
| Average earning assets | $128,211,000 | 3,721 |
| Average equity | $14,816,000 | 3,888 |
| Average total loans | $70,189,000 | 4,093 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7654% | 4,079 |
| Cost of funding earning assets | 0.3280% | 3,865 |
| Net interest margin | 3.4375% | 3,728 |
| Noninterest income to average assets | 0.4342% | 3,586 |
| Noninterest expense to average assets | 1.9972% | 5,345 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5920% | 712 |
| Return on assets (ROA) | 1.5920% | 753 |
| Pretax return on assets | 1.5920% | 1,319 |
| Return on Equity (ROE) | 15.2281% | 633 |
| Retained earnings to average equity (ytd only) | 15.2281% | 232 |
| Net charge-offs to loans | -0.0232% | 4,937 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6452% | 5,222 |
| Assets per employee ($millions) | 7.2472% | 799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3598% | 467 |
| Loan loss allowance to noncurrent loans | 94.5276% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 2.5876% | 558 |
| Noncurrent loans to loans | 2.4964% | 756 |
| Net loans and leases to total assets | 49.3104% | 4,861 |
| Net loans and leases to deposits | 55.7655% | 5,004 |
| Net loans and leases to core deposits | 60.9857% | 4,874 |
| Total domestic deposits to total assets | 88.4246% | 1,390 |
| Equity capital to assets | 10.7170% | 3,236 |
| Core capital (leverage) ratio | 10.3598% | 3,117 |
| Tier 1 risk-based capital ratio | 17.1054% | 2,251 |
| Total risk-based capital ratio | 18.3639% | 2,214 |
| Memoranda: | ||
| Average total assets | $138,193,000 | 3,777 |
| Average earning assets | $126,837,500 | 3,770 |
| Average equity | $14,447,000 | 3,937 |
| Average total loans | $68,975,500 | 4,136 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8127% | 4,008 |
| Cost of funding earning assets | 0.3648% | 3,535 |
| Net interest margin | 3.4479% | 3,727 |
| Noninterest income to average assets | 0.4948% | 3,364 |
| Noninterest expense to average assets | 2.3200% | 4,727 |
| Loan and lease loss provision to assets | -0.5640% | 6,135 |
| Net operating income to assets | 1.8943% | 410 |
| Return on assets (ROA) | 1.8981% | 417 |
| Pretax return on assets | 1.8981% | 658 |
| Return on Equity (ROE) | 18.0650% | 375 |
| Retained earnings to average equity (ytd only) | 7.3290% | 1,156 |
| Net charge-offs to loans | 0.0030% | 4,356 |
| Credit loss provision to net charge-offs | -37,500.0000% | 5,788 |
| Earnings coverage of net charge-offs (x) | 884.5000% | 67 |
| Efficiency ratio | 63.5558% | 4,361 |
| Assets per employee ($millions) | 6.9345% | 911 |
| Cash dividends to net income (ytd only)* | 59.4295% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3944% | 458 |
| Loan loss allowance to noncurrent loans | 235.3448% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 1.4788% | 1,377 |
| Noncurrent loans to loans | 1.0174% | 2,305 |
| Net loans and leases to total assets | 48.1459% | 5,002 |
| Net loans and leases to deposits | 54.1036% | 5,161 |
| Net loans and leases to core deposits | 60.1678% | 4,976 |
| Total domestic deposits to total assets | 88.9883% | 1,120 |
| Equity capital to assets | 10.1933% | 3,757 |
| Core capital (leverage) ratio | 10.1009% | 3,380 |
| Tier 1 risk-based capital ratio | 16.6522% | 2,407 |
| Total risk-based capital ratio | 17.9109% | 2,363 |
| Memoranda: | ||
| Average total assets | $132,975,000 | 3,831 |
| Average earning assets | $121,698,000 | 3,847 |
| Average equity | $13,971,800 | 3,981 |
| Average total loans | $65,725,000 | 4,209 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8059% | 4,071 |
| Cost of funding earning assets | 0.3715% | 3,533 |
| Net interest margin | 3.4344% | 3,820 |
| Noninterest income to average assets | 0.5331% | 3,148 |
| Noninterest expense to average assets | 2.1883% | 5,081 |
| Loan and lease loss provision to assets | -0.7602% | 6,247 |
| Net operating income to assets | 2.2440% | 238 |
| Return on assets (ROA) | 2.2491% | 248 |
| Pretax return on assets | 2.2491% | 370 |
| Return on Equity (ROE) | 21.2382% | 211 |
| Retained earnings to average equity (ytd only) | 12.8252% | 290 |
| Net charge-offs to loans | 0.0123% | 3,741 |
| Credit loss provision to net charge-offs | -12,500.0000% | 5,739 |
| Earnings coverage of net charge-offs (x) | 243.9938% | 292 |
| Efficiency ratio | 59.5915% | 4,934 |
| Assets per employee ($millions) | 6.8094% | 942 |
| Cash dividends to net income (ytd only)* | 39.6125% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3660% | 524 |
| Loan loss allowance to noncurrent loans | 231.1174% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 1.5141% | 1,484 |
| Noncurrent loans to loans | 1.0237% | 2,432 |
| Net loans and leases to total assets | 49.5117% | 4,967 |
| Net loans and leases to deposits | 55.8497% | 5,133 |
| Net loans and leases to core deposits | 61.6793% | 4,964 |
| Total domestic deposits to total assets | 88.6517% | 1,206 |
| Equity capital to assets | 10.5171% | 3,585 |
| Core capital (leverage) ratio | 10.3434% | 3,203 |
| Tier 1 risk-based capital ratio | 17.1901% | 2,299 |
| Total risk-based capital ratio | 18.4489% | 2,245 |
| Memoranda: | ||
| Average total assets | $131,546,500 | 3,903 |
| Average earning assets | $120,233,000 | 3,916 |
| Average equity | $13,930,500 | 4,034 |
| Average total loans | $65,053,500 | 4,275 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7973% | 4,077 |
| Cost of funding earning assets | 0.3779% | 3,522 |
| Net interest margin | 3.4194% | 3,834 |
| Noninterest income to average assets | 0.4892% | 3,451 |
| Noninterest expense to average assets | 2.2262% | 5,036 |
| Loan and lease loss provision to assets | -1.1539% | 6,330 |
| Net operating income to assets | 2.5354% | 162 |
| Return on assets (ROA) | 2.5354% | 169 |
| Pretax return on assets | 2.5354% | 241 |
| Return on Equity (ROE) | 23.8846% | 139 |
| Retained earnings to average equity (ytd only) | 13.3771% | 275 |
| Net charge-offs to loans | -0.0157% | 5,081 |
| Credit loss provision to net charge-offs | 15,000.0000% | 30 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7058% | 4,725 |
| Assets per employee ($millions) | 6.5272% | 1,040 |
| Cash dividends to net income (ytd only)* | 43.9927% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4871% | 493 |
| Loan loss allowance to noncurrent loans | 218.7500% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 1.6906% | 1,407 |
| Noncurrent loans to loans | 1.1370% | 2,378 |
| Net loans and leases to total assets | 49.4052% | 4,987 |
| Net loans and leases to deposits | 55.7062% | 5,137 |
| Net loans and leases to core deposits | 61.6186% | 4,973 |
| Total domestic deposits to total assets | 88.6888% | 1,304 |
| Equity capital to assets | 10.4808% | 3,460 |
| Core capital (leverage) ratio | 10.4492% | 3,028 |
| Tier 1 risk-based capital ratio | 18.0304% | 2,057 |
| Total risk-based capital ratio | 19.2916% | 2,008 |
| Memoranda: | ||
| Average total assets | $129,999,330 | 3,961 |
| Average earning assets | $118,558,330 | 3,978 |
| Average equity | $13,799,670 | 4,083 |
| Average total loans | $63,717,000 | 4,347 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7886% | 4,057 |
| Cost of funding earning assets | 0.3819% | 3,509 |
| Net interest margin | 3.4067% | 3,818 |
| Noninterest income to average assets | 0.4163% | 3,873 |
| Noninterest expense to average assets | 2.2355% | 5,062 |
| Loan and lease loss provision to assets | -2.3125% | 6,415 |
| Net operating income to assets | 3.6014% | 70 |
| Return on assets (ROA) | 3.6014% | 73 |
| Pretax return on assets | 3.6014% | 102 |
| Return on Equity (ROE) | 33.7122% | 42 |
| Retained earnings to average equity (ytd only) | 33.7122% | 19 |
| Net charge-offs to loans | -0.0192% | 5,029 |
| Credit loss provision to net charge-offs | 25,000.0000% | 8 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4296% | 4,567 |
| Assets per employee ($millions) | 6.5996% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6346% | 440 |
| Loan loss allowance to noncurrent loans | 195.4762% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 1.7971% | 1,367 |
| Noncurrent loans to loans | 1.3478% | 2,134 |
| Net loans and leases to total assets | 45.9743% | 5,201 |
| Net loans and leases to deposits | 52.1700% | 5,322 |
| Net loans and leases to core deposits | 57.6655% | 5,143 |
| Total domestic deposits to total assets | 88.1242% | 1,745 |
| Equity capital to assets | 11.0227% | 2,942 |
| Core capital (leverage) ratio | 10.6872% | 2,759 |
| Tier 1 risk-based capital ratio | 19.3839% | 1,767 |
| Total risk-based capital ratio | 20.6414% | 1,718 |
| Memoranda: | ||
| Average total assets | $129,727,500 | 3,993 |
| Average earning assets | $118,356,500 | 4,009 |
| Average equity | $13,858,500 | 4,091 |
| Average total loans | $62,505,500 | 4,414 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9519% | 3,916 |
| Cost of funding earning assets | 0.4169% | 3,518 |
| Net interest margin | 3.5350% | 3,664 |
| Noninterest income to average assets | 0.8217% | 1,784 |
| Noninterest expense to average assets | 2.4195% | 4,793 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.5920% | 715 |
| Return on assets (ROA) | 1.5920% | 751 |
| Pretax return on assets | 1.5920% | 1,259 |
| Return on Equity (ROE) | 16.1202% | 612 |
| Retained earnings to average equity (ytd only) | 6.2052% | 1,807 |
| Net charge-offs to loans | -0.0699% | 6,023 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3133% | 5,175 |
| Assets per employee ($millions) | 7.0813% | 807 |
| Cash dividends to net income (ytd only)* | 61.5069% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8126% | 150 |
| Loan loss allowance to noncurrent loans | 835.6643% | 699 |
| Noncurrent assets plus other real estate owned to assets | 1.4279% | 1,932 |
| Noncurrent loans to loans | 0.4562% | 4,283 |
| Net loans and leases to total assets | 47.3051% | 5,217 |
| Net loans and leases to deposits | 53.2316% | 5,390 |
| Net loans and leases to core deposits | 59.0025% | 5,199 |
| Total domestic deposits to total assets | 88.8667% | 1,309 |
| Equity capital to assets | 10.3308% | 3,688 |
| Core capital (leverage) ratio | 9.8126% | 3,821 |
| Tier 1 risk-based capital ratio | 18.0061% | 2,134 |
| Total risk-based capital ratio | 19.2822% | 2,089 |
| Memoranda: | ||
| Average total assets | $122,548,000 | 4,128 |
| Average earning assets | $110,581,000 | 4,168 |
| Average equity | $12,102,800 | 4,338 |
| Average total loans | $60,093,400 | 4,486 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9669% | 3,896 |
| Cost of funding earning assets | 0.4163% | 3,623 |
| Net interest margin | 3.5505% | 3,625 |
| Noninterest income to average assets | 0.4638% | 3,781 |
| Noninterest expense to average assets | 2.3464% | 4,969 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3133% | 1,331 |
| Return on assets (ROA) | 1.3133% | 1,387 |
| Pretax return on assets | 1.3133% | 2,321 |
| Return on Equity (ROE) | 13.4608% | 1,104 |
| Retained earnings to average equity (ytd only) | 8.6623% | 1,114 |
| Net charge-offs to loans | -0.0606% | 5,981 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1141% | 4,521 |
| Assets per employee ($millions) | 6.3246% | 1,134 |
| Cash dividends to net income (ytd only)* | 35.6489% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9974% | 161 |
| Loan loss allowance to noncurrent loans | 854.3165% | 646 |
| Noncurrent assets plus other real estate owned to assets | 1.9156% | 1,525 |
| Noncurrent loans to loans | 0.4679% | 4,504 |
| Net loans and leases to total assets | 45.0933% | 5,445 |
| Net loans and leases to deposits | 50.6208% | 5,608 |
| Net loans and leases to core deposits | 55.7299% | 5,465 |
| Total domestic deposits to total assets | 89.0806% | 1,190 |
| Equity capital to assets | 10.1011% | 4,048 |
| Core capital (leverage) ratio | 10.0962% | 3,535 |
| Tier 1 risk-based capital ratio | 18.6595% | 2,004 |
| Total risk-based capital ratio | 19.9372% | 1,960 |
| Memoranda: | ||
| Average total assets | $121,319,000 | 4,192 |
| Average earning assets | $109,201,500 | 4,241 |
| Average equity | $11,836,500 | 4,418 |
| Average total loans | $59,445,000 | 4,547 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0131% | 3,682 |
| Cost of funding earning assets | 0.4229% | 3,622 |
| Net interest margin | 3.5902% | 3,397 |
| Noninterest income to average assets | 0.6154% | 2,735 |
| Noninterest expense to average assets | 2.3814% | 4,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4566% | 951 |
| Return on assets (ROA) | 1.4566% | 994 |
| Pretax return on assets | 1.4566% | 1,687 |
| Return on Equity (ROE) | 15.1176% | 777 |
| Retained earnings to average equity (ytd only) | 8.7651% | 1,058 |
| Net charge-offs to loans | -0.0875% | 6,102 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0479% | 4,998 |
| Assets per employee ($millions) | 6.0642% | 1,244 |
| Cash dividends to net income (ytd only)* | 42.0207% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0172% | 171 |
| Loan loss allowance to noncurrent loans | 847.8571% | 592 |
| Noncurrent assets plus other real estate owned to assets | 1.9995% | 1,607 |
| Noncurrent loans to loans | 0.4738% | 4,579 |
| Net loans and leases to total assets | 46.7683% | 5,291 |
| Net loans and leases to deposits | 52.4762% | 5,467 |
| Net loans and leases to core deposits | 58.1925% | 5,259 |
| Total domestic deposits to total assets | 89.1230% | 1,291 |
| Equity capital to assets | 10.0393% | 4,050 |
| Core capital (leverage) ratio | 10.3534% | 3,134 |
| Tier 1 risk-based capital ratio | 18.3904% | 2,106 |
| Total risk-based capital ratio | 19.6677% | 2,056 |
| Memoranda: | ||
| Average total assets | $119,595,000 | 4,249 |
| Average earning assets | $107,347,670 | 4,300 |
| Average equity | $11,523,000 | 4,493 |
| Average total loans | $59,455,330 | 4,565 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9976% | 3,691 |
| Cost of funding earning assets | 0.4204% | 3,754 |
| Net interest margin | 3.5772% | 3,350 |
| Noninterest income to average assets | 0.6400% | 2,515 |
| Noninterest expense to average assets | 2.2871% | 5,226 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5629% | 716 |
| Return on assets (ROA) | 1.5629% | 749 |
| Pretax return on assets | 1.5629% | 1,252 |
| Return on Equity (ROE) | 16.5766% | 578 |
| Retained earnings to average equity (ytd only) | 16.5766% | 238 |
| Net charge-offs to loans | -0.0067% | 4,900 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4051% | 5,489 |
| Assets per employee ($millions) | 6.0991% | 1,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8973% | 202 |
| Loan loss allowance to noncurrent loans | 412.8295% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 2.3963% | 1,358 |
| Noncurrent loans to loans | 0.9440% | 3,528 |
| Net loans and leases to total assets | 47.4861% | 5,189 |
| Net loans and leases to deposits | 53.0546% | 5,373 |
| Net loans and leases to core deposits | 57.0040% | 5,281 |
| Total domestic deposits to total assets | 89.5041% | 1,362 |
| Equity capital to assets | 9.6089% | 4,343 |
| Core capital (leverage) ratio | 10.2811% | 3,189 |
| Tier 1 risk-based capital ratio | 18.0452% | 2,277 |
| Total risk-based capital ratio | 19.3217% | 2,244 |
| Memoranda: | ||
| Average total assets | $118,751,000 | 4,305 |
| Average earning assets | $106,563,000 | 4,351 |
| Average equity | $11,196,500 | 4,572 |
| Average total loans | $59,635,000 | 4,605 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2616% | 3,100 |
| Cost of funding earning assets | 0.4951% | 3,661 |
| Net interest margin | 3.7665% | 2,780 |
| Noninterest income to average assets | 0.5208% | 3,626 |
| Noninterest expense to average assets | 2.7173% | 4,036 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1559% | 1,733 |
| Return on assets (ROA) | 1.1559% | 1,798 |
| Pretax return on assets | 1.1559% | 2,748 |
| Return on Equity (ROE) | 11.6279% | 1,543 |
| Retained earnings to average equity (ytd only) | 3.4158% | 3,805 |
| Net charge-offs to loans | -0.2311% | 6,638 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1567% | 3,815 |
| Assets per employee ($millions) | 5.7761% | 1,426 |
| Cash dividends to net income (ytd only)* | 70.6240% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9799% | 206 |
| Loan loss allowance to noncurrent loans | 408.3478% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 2.8817% | 1,117 |
| Noncurrent loans to loans | 0.9746% | 3,573 |
| Net loans and leases to total assets | 49.0378% | 5,190 |
| Net loans and leases to deposits | 54.5772% | 5,420 |
| Net loans and leases to core deposits | 57.5298% | 5,424 |
| Total domestic deposits to total assets | 89.8503% | 1,155 |
| Equity capital to assets | 9.2381% | 4,762 |
| Core capital (leverage) ratio | 10.2671% | 3,196 |
| Tier 1 risk-based capital ratio | 17.7843% | 2,313 |
| Total risk-based capital ratio | 19.0629% | 2,275 |
| Memoranda: | ||
| Average total assets | $113,680,000 | 4,418 |
| Average earning assets | $101,182,800 | 4,479 |
| Average equity | $11,300,400 | 4,578 |
| Average total loans | $61,010,600 | 4,580 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1296% | 3,645 |
| Cost of funding earning assets | 0.5046% | 3,728 |
| Net interest margin | 3.6250% | 3,339 |
| Noninterest income to average assets | 0.4133% | 4,423 |
| Noninterest expense to average assets | 2.5107% | 4,686 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1258% | 1,905 |
| Return on assets (ROA) | 1.1258% | 1,969 |
| Pretax return on assets | 1.1258% | 2,997 |
| Return on Equity (ROE) | 11.1249% | 1,780 |
| Retained earnings to average equity (ytd only) | 3.2351% | 4,379 |
| Net charge-offs to loans | 0.0564% | 4,100 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 36.7646% | 1,065 |
| Efficiency ratio | 69.0415% | 3,909 |
| Assets per employee ($millions) | 5.5294% | 1,591 |
| Cash dividends to net income (ytd only)* | 70.9210% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5912% | 309 |
| Loan loss allowance to noncurrent loans | 377.3356% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 3.0142% | 1,228 |
| Noncurrent loans to loans | 0.9517% | 3,912 |
| Net loans and leases to total assets | 50.4237% | 5,091 |
| Net loans and leases to deposits | 56.2001% | 5,360 |
| Net loans and leases to core deposits | 59.2520% | 5,354 |
| Total domestic deposits to total assets | 89.7217% | 1,161 |
| Equity capital to assets | 9.3302% | 4,764 |
| Core capital (leverage) ratio | 10.1910% | 3,417 |
| Tier 1 risk-based capital ratio | 17.1601% | 2,641 |
| Total risk-based capital ratio | 18.4343% | 2,597 |
| Memoranda: | ||
| Average total assets | $113,219,750 | 4,475 |
| Average earning assets | $100,668,750 | 4,538 |
| Average equity | $11,457,500 | 4,596 |
| Average total loans | $61,514,000 | 4,599 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1103% | 3,702 |
| Cost of funding earning assets | 0.5178% | 3,726 |
| Net interest margin | 3.5925% | 3,393 |
| Noninterest income to average assets | 0.4240% | 4,349 |
| Noninterest expense to average assets | 2.5068% | 4,698 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1064% | 1,906 |
| Return on assets (ROA) | 1.1064% | 2,021 |
| Pretax return on assets | 1.1064% | 3,071 |
| Return on Equity (ROE) | 10.6469% | 1,946 |
| Retained earnings to average equity (ytd only) | 6.3093% | 2,255 |
| Net charge-offs to loans | 0.1166% | 3,199 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 17.2500% | 1,617 |
| Efficiency ratio | 69.3787% | 3,943 |
| Assets per employee ($millions) | 5.7025% | 1,419 |
| Cash dividends to net income (ytd only)* | 40.7407% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5242% | 361 |
| Loan loss allowance to noncurrent loans | 376.2565% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 3.0741% | 1,310 |
| Noncurrent loans to loans | 0.9366% | 4,052 |
| Net loans and leases to total assets | 52.1109% | 4,848 |
| Net loans and leases to deposits | 58.3490% | 5,132 |
| Net loans and leases to core deposits | 60.5516% | 5,216 |
| Total domestic deposits to total assets | 89.3090% | 1,440 |
| Equity capital to assets | 9.7844% | 4,199 |
| Core capital (leverage) ratio | 10.6267% | 2,736 |
| Tier 1 risk-based capital ratio | 17.0903% | 2,681 |
| Total risk-based capital ratio | 18.3626% | 2,644 |
| Memoranda: | ||
| Average total assets | $112,253,670 | 4,532 |
| Average earning assets | $99,651,000 | 4,592 |
| Average equity | $11,665,330 | 4,597 |
| Average total loans | $61,774,670 | 4,615 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0454% | 3,938 |
| Cost of funding earning assets | 0.5329% | 3,745 |
| Net interest margin | 3.5125% | 3,645 |
| Noninterest income to average assets | 0.4454% | 4,138 |
| Noninterest expense to average assets | 2.4714% | 4,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0992% | 1,856 |
| Return on assets (ROA) | 1.0992% | 1,961 |
| Pretax return on assets | 1.0992% | 2,951 |
| Return on Equity (ROE) | 10.2697% | 1,967 |
| Retained earnings to average equity (ytd only) | 7.2828% | 2,034 |
| Net charge-offs to loans | -0.0323% | 5,930 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2153% | 4,109 |
| Assets per employee ($millions) | 5.8445% | 1,376 |
| Cash dividends to net income (ytd only)* | 29.0850% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5366% | 405 |
| Loan loss allowance to noncurrent loans | 226.6393% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 3.2014% | 1,364 |
| Noncurrent loans to loans | 1.5605% | 3,206 |
| Net loans and leases to total assets | 54.3324% | 4,353 |
| Net loans and leases to deposits | 61.6660% | 4,599 |
| Net loans and leases to core deposits | 64.2288% | 4,721 |
| Total domestic deposits to total assets | 88.1076% | 2,253 |
| Equity capital to assets | 10.8072% | 3,193 |
| Core capital (leverage) ratio | 10.5321% | 2,733 |
| Tier 1 risk-based capital ratio | 16.8992% | 2,802 |
| Total risk-based capital ratio | 18.1736% | 2,763 |
| Memoranda: | ||
| Average total assets | $111,356,000 | 4,591 |
| Average earning assets | $99,075,000 | 4,655 |
| Average equity | $11,918,500 | 4,593 |
| Average total loans | $61,860,500 | 4,639 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6150% | 2,938 |
| Cost of funding earning assets | 0.6871% | 3,595 |
| Net interest margin | 3.9280% | 2,708 |
| Noninterest income to average assets | 0.8633% | 1,983 |
| Noninterest expense to average assets | 2.9625% | 3,416 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3464% | 1,204 |
| Return on assets (ROA) | 1.3464% | 1,327 |
| Pretax return on assets | 1.3464% | 2,225 |
| Return on Equity (ROE) | 12.2259% | 1,437 |
| Retained earnings to average equity (ytd only) | 4.6058% | 2,982 |
| Net charge-offs to loans | 0.4916% | 2,266 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 4.5949% | 3,313 |
| Efficiency ratio | 68.7540% | 4,008 |
| Assets per employee ($millions) | 5.5833% | 1,607 |
| Cash dividends to net income (ytd only)* | 62.3278% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6077% | 391 |
| Loan loss allowance to noncurrent loans | 240.4139% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 3.1317% | 1,499 |
| Noncurrent loans to loans | 1.5006% | 3,353 |
| Net loans and leases to total assets | 52.8075% | 4,787 |
| Net loans and leases to deposits | 59.7344% | 5,053 |
| Net loans and leases to core deposits | 62.1219% | 5,141 |
| Total domestic deposits to total assets | 88.4038% | 1,962 |
| Equity capital to assets | 10.5995% | 3,397 |
| Core capital (leverage) ratio | 10.4107% | 2,875 |
| Tier 1 risk-based capital ratio | 16.8908% | 2,705 |
| Total risk-based capital ratio | 18.1665% | 2,652 |
| Memoranda: | ||
| Average total assets | $107,846,400 | 4,642 |
| Average earning assets | $94,604,000 | 4,743 |
| Average equity | $11,876,400 | 4,591 |
| Average total loans | $64,279,200 | 4,566 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7170% | 2,731 |
| Cost of funding earning assets | 0.7193% | 3,599 |
| Net interest margin | 3.9977% | 2,506 |
| Noninterest income to average assets | 0.9941% | 1,517 |
| Noninterest expense to average assets | 2.9574% | 3,378 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5305% | 970 |
| Return on assets (ROA) | 1.5305% | 1,077 |
| Pretax return on assets | 1.5305% | 1,778 |
| Return on Equity (ROE) | 13.7632% | 1,161 |
| Retained earnings to average equity (ytd only) | 11.4637% | 620 |
| Net charge-offs to loans | 0.6620% | 1,657 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 3.7987% | 3,507 |
| Efficiency ratio | 65.8977% | 4,465 |
| Assets per employee ($millions) | 5.7768% | 1,395 |
| Cash dividends to net income (ytd only)* | 16.7076% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5149% | 466 |
| Loan loss allowance to noncurrent loans | 238.9794% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 3.1888% | 1,615 |
| Noncurrent loans to loans | 1.4708% | 3,585 |
| Net loans and leases to total assets | 55.0465% | 4,590 |
| Net loans and leases to deposits | 62.7815% | 4,879 |
| Net loans and leases to core deposits | 65.7851% | 4,976 |
| Total domestic deposits to total assets | 87.6795% | 2,239 |
| Equity capital to assets | 11.3876% | 2,861 |
| Core capital (leverage) ratio | 11.0451% | 2,337 |
| Tier 1 risk-based capital ratio | 17.7873% | 2,426 |
| Total risk-based capital ratio | 19.0626% | 2,388 |
| Memoranda: | ||
| Average total assets | $106,891,500 | 4,709 |
| Average earning assets | $93,418,750 | 4,816 |
| Average equity | $11,886,500 | 4,636 |
| Average total loans | $65,055,250 | 4,593 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8264% | 2,401 |
| Cost of funding earning assets | 0.7515% | 3,596 |
| Net interest margin | 4.0749% | 2,188 |
| Noninterest income to average assets | 0.9402% | 1,646 |
| Noninterest expense to average assets | 3.0943% | 2,946 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3876% | 1,214 |
| Return on assets (ROA) | 1.3876% | 1,361 |
| Pretax return on assets | 1.3876% | 2,248 |
| Return on Equity (ROE) | 12.5831% | 1,479 |
| Retained earnings to average equity (ytd only) | 9.0735% | 1,250 |
| Net charge-offs to loans | -0.0182% | 6,408 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0396% | 3,932 |
| Assets per employee ($millions) | 5.3253% | 1,797 |
| Cash dividends to net income (ytd only)* | 27.8912% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9948% | 348 |
| Loan loss allowance to noncurrent loans | 140.5556% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 5.6494% | 775 |
| Noncurrent loans to loans | 2.8422% | 2,107 |
| Net loans and leases to total assets | 57.0879% | 4,312 |
| Net loans and leases to deposits | 65.0115% | 4,644 |
| Net loans and leases to core deposits | 68.2187% | 4,757 |
| Total domestic deposits to total assets | 87.8120% | 2,274 |
| Equity capital to assets | 11.2228% | 2,870 |
| Core capital (leverage) ratio | 10.8979% | 2,394 |
| Tier 1 risk-based capital ratio | 16.8248% | 2,749 |
| Total risk-based capital ratio | 18.1047% | 2,693 |
| Memoranda: | ||
| Average total assets | $105,935,330 | 4,754 |
| Average earning assets | $92,077,000 | 4,867 |
| Average equity | $11,682,330 | 4,679 |
| Average total loans | $65,867,000 | 4,570 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9083% | 2,204 |
| Cost of funding earning assets | 0.7565% | 3,818 |
| Net interest margin | 4.1518% | 1,932 |
| Noninterest income to average assets | 1.3100% | 830 |
| Noninterest expense to average assets | 3.3280% | 2,206 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5977% | 868 |
| Return on assets (ROA) | 1.5977% | 971 |
| Pretax return on assets | 1.5977% | 1,589 |
| Return on Equity (ROE) | 14.6185% | 1,059 |
| Retained earnings to average equity (ytd only) | 14.6185% | 495 |
| Net charge-offs to loans | -0.3634% | 7,102 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5634% | 4,262 |
| Assets per employee ($millions) | 5.3014% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9070% | 400 |
| Loan loss allowance to noncurrent loans | 104.9553% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 5.9089% | 802 |
| Noncurrent loans to loans | 3.7226% | 1,664 |
| Net loans and leases to total assets | 59.9404% | 3,681 |
| Net loans and leases to deposits | 68.2360% | 4,019 |
| Net loans and leases to core deposits | 71.5880% | 4,211 |
| Total domestic deposits to total assets | 87.8427% | 2,424 |
| Equity capital to assets | 11.0906% | 2,807 |
| Core capital (leverage) ratio | 10.8982% | 2,347 |
| Tier 1 risk-based capital ratio | 16.2019% | 3,071 |
| Total risk-based capital ratio | 17.4817% | 3,013 |
| Memoranda: | ||
| Average total assets | $105,650,000 | 4,799 |
| Average earning assets | $92,008,000 | 4,908 |
| Average equity | $11,547,000 | 4,713 |
| Average total loans | $67,134,500 | 4,542 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2762% | 1,786 |
| Cost of funding earning assets | 0.8517% | 4,466 |
| Net interest margin | 4.4245% | 1,333 |
| Noninterest income to average assets | 0.4232% | 4,425 |
| Noninterest expense to average assets | 3.0452% | 3,416 |
| Loan and lease loss provision to assets | 0.2164% | 4,026 |
| Net operating income to assets | 0.9339% | 2,468 |
| Return on assets (ROA) | 0.9339% | 2,590 |
| Pretax return on assets | 0.9339% | 3,496 |
| Return on Equity (ROE) | 9.0396% | 2,426 |
| Retained earnings to average equity (ytd only) | 9.0396% | 790 |
| Net charge-offs to loans | 0.3257% | 3,761 |
| Credit loss provision to net charge-offs | 102.7397% | 3,367 |
| Earnings coverage of net charge-offs (x) | 5.4612% | 2,784 |
| Efficiency ratio | 72.5814% | 3,465 |
| Assets per employee ($millions) | 5.5407% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7046% | 465 |
| Loan loss allowance to noncurrent loans | 107.7251% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 5.8724% | 849 |
| Noncurrent loans to loans | 3.4389% | 1,871 |
| Net loans and leases to total assets | 62.3218% | 3,534 |
| Net loans and leases to deposits | 70.6450% | 3,998 |
| Net loans and leases to core deposits | 75.0973% | 4,087 |
| Total domestic deposits to total assets | 88.2183% | 2,016 |
| Equity capital to assets | 10.7672% | 3,229 |
| Core capital (leverage) ratio | 10.6575% | 2,558 |
| Tier 1 risk-based capital ratio | 15.3614% | 3,414 |
| Total risk-based capital ratio | 16.6398% | 3,350 |
| Memoranda: | ||
| Average total assets | $103,967,800 | 4,793 |
| Average earning assets | $88,643,600 | 4,977 |
| Average equity | $10,741,600 | 4,846 |
| Average total loans | $67,233,800 | 4,588 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3467% | 1,690 |
| Cost of funding earning assets | 0.8752% | 4,590 |
| Net interest margin | 4.4715% | 1,211 |
| Noninterest income to average assets | 0.5686% | 3,380 |
| Noninterest expense to average assets | 2.9859% | 3,599 |
| Loan and lease loss provision to assets | 0.2894% | 3,197 |
| Net operating income to assets | 1.0858% | 2,022 |
| Return on assets (ROA) | 1.0858% | 2,167 |
| Pretax return on assets | 1.0858% | 3,067 |
| Return on Equity (ROE) | 10.6229% | 1,986 |
| Retained earnings to average equity (ytd only) | 10.6229% | 699 |
| Net charge-offs to loans | 0.4457% | 2,941 |
| Credit loss provision to net charge-offs | 100.4464% | 3,350 |
| Earnings coverage of net charge-offs (x) | 4.7723% | 2,969 |
| Efficiency ratio | 68.4661% | 4,225 |
| Assets per employee ($millions) | 5.2231% | 1,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8517% | 439 |
| Loan loss allowance to noncurrent loans | 113.1118% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 7.4563% | 632 |
| Noncurrent loans to loans | 3.4053% | 2,026 |
| Net loans and leases to total assets | 60.1941% | 4,095 |
| Net loans and leases to deposits | 68.1981% | 4,567 |
| Net loans and leases to core deposits | 72.1887% | 4,690 |
| Total domestic deposits to total assets | 88.2637% | 1,888 |
| Equity capital to assets | 10.8183% | 3,333 |
| Core capital (leverage) ratio | 10.5052% | 2,861 |
| Tier 1 risk-based capital ratio | 15.1798% | 3,559 |
| Total risk-based capital ratio | 16.4579% | 3,504 |
| Memoranda: | ||
| Average total assets | $103,641,500 | 4,825 |
| Average earning assets | $87,902,500 | 5,031 |
| Average equity | $10,593,250 | 4,896 |
| Average total loans | $67,009,250 | 4,630 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3826% | 1,615 |
| Cost of funding earning assets | 0.8937% | 4,724 |
| Net interest margin | 4.4890% | 1,163 |
| Noninterest income to average assets | 0.5456% | 3,505 |
| Noninterest expense to average assets | 2.9177% | 3,951 |
| Loan and lease loss provision to assets | 0.4353% | 2,252 |
| Net operating income to assets | 0.9926% | 2,258 |
| Return on assets (ROA) | 0.9926% | 2,361 |
| Pretax return on assets | 0.9926% | 3,267 |
| Return on Equity (ROE) | 9.9060% | 2,153 |
| Retained earnings to average equity (ytd only) | 9.9060% | 869 |
| Net charge-offs to loans | 0.0799% | 4,842 |
| Credit loss provision to net charge-offs | 833.3333% | 395 |
| Earnings coverage of net charge-offs (x) | 27.3333% | 992 |
| Efficiency ratio | 67.1416% | 4,675 |
| Assets per employee ($millions) | 5.1066% | 1,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1190% | 380 |
| Loan loss allowance to noncurrent loans | 107.6496% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 8.3354% | 531 |
| Noncurrent loans to loans | 3.8263% | 1,816 |
| Net loans and leases to total assets | 61.9029% | 3,904 |
| Net loans and leases to deposits | 69.9065% | 4,452 |
| Net loans and leases to core deposits | 74.0703% | 4,576 |
| Total domestic deposits to total assets | 88.5510% | 1,821 |
| Equity capital to assets | 10.5433% | 3,455 |
| Core capital (leverage) ratio | 10.3062% | 2,929 |
| Tier 1 risk-based capital ratio | 14.6987% | 3,674 |
| Total risk-based capital ratio | 15.9768% | 3,624 |
| Memoranda: | ||
| Average total assets | $103,368,000 | 4,875 |
| Average earning assets | $87,503,670 | 5,079 |
| Average equity | $10,357,330 | 4,961 |
| Average total loans | $67,546,000 | 4,658 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2901% | 1,894 |
| Cost of funding earning assets | 0.9074% | 4,867 |
| Net interest margin | 4.3827% | 1,332 |
| Noninterest income to average assets | 0.5693% | 3,372 |
| Noninterest expense to average assets | 3.0081% | 3,613 |
| Loan and lease loss provision to assets | 0.8655% | 943 |
| Net operating income to assets | 0.4116% | 4,896 |
| Return on assets (ROA) | 0.4116% | 4,986 |
| Pretax return on assets | 0.4116% | 5,306 |
| Return on Equity (ROE) | 4.2159% | 4,790 |
| Retained earnings to average equity (ytd only) | 4.2159% | 3,634 |
| Net charge-offs to loans | -0.0176% | 6,526 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1975% | 4,219 |
| Assets per employee ($millions) | 5.1879% | 1,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0759% | 403 |
| Loan loss allowance to noncurrent loans | 90.6869% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 8.7194% | 515 |
| Noncurrent loans to loans | 4.4944% | 1,556 |
| Net loans and leases to total assets | 62.2859% | 3,794 |
| Net loans and leases to deposits | 69.8871% | 4,357 |
| Net loans and leases to core deposits | 73.5239% | 4,585 |
| Total domestic deposits to total assets | 89.1236% | 1,693 |
| Equity capital to assets | 9.8287% | 3,993 |
| Core capital (leverage) ratio | 9.7615% | 3,428 |
| Tier 1 risk-based capital ratio | 13.9134% | 4,130 |
| Total risk-based capital ratio | 15.1952% | 4,084 |
| Memoranda: | ||
| Average total assets | $103,986,500 | 4,892 |
| Average earning assets | $88,164,000 | 5,088 |
| Average equity | $10,152,000 | 5,004 |
| Average total loans | $68,350,000 | 4,674 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6278% | 1,802 |
| Cost of funding earning assets | 1.1328% | 4,949 |
| Net interest margin | 4.4951% | 1,236 |
| Noninterest income to average assets | 0.4830% | 4,299 |
| Noninterest expense to average assets | 3.1830% | 3,153 |
| Loan and lease loss provision to assets | 1.3053% | 1,177 |
| Net operating income to assets | -0.1762% | 6,082 |
| Return on assets (ROA) | -0.1762% | 6,142 |
| Pretax return on assets | -0.1688% | 6,061 |
| Return on Equity (ROE) | -1.8456% | 6,155 |
| Retained earnings to average equity (ytd only) | -1.8456% | 5,944 |
| Net charge-offs to loans | 2.0118% | 1,002 |
| Credit loss provision to net charge-offs | 91.3242% | 5,069 |
| Earnings coverage of net charge-offs (x) | 0.7952% | 5,331 |
| Efficiency ratio | 73.6888% | 3,464 |
| Assets per employee ($millions) | 5.2108% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6320% | 538 |
| Loan loss allowance to noncurrent loans | 82.6929% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 8.6685% | 533 |
| Noncurrent loans to loans | 4.3922% | 1,633 |
| Net loans and leases to total assets | 64.1072% | 3,852 |
| Net loans and leases to deposits | 71.8055% | 4,553 |
| Net loans and leases to core deposits | 76.1845% | 4,683 |
| Total domestic deposits to total assets | 89.2790% | 1,503 |
| Equity capital to assets | 9.6972% | 4,142 |
| Core capital (leverage) ratio | 9.5437% | 3,657 |
| Tier 1 risk-based capital ratio | 13.4748% | 4,227 |
| Total risk-based capital ratio | 14.7512% | 4,175 |
| Memoranda: | ||
| Average total assets | $107,256,400 | 4,793 |
| Average earning assets | $91,545,000 | 4,964 |
| Average equity | $10,240,400 | 5,063 |
| Average total loans | $76,201,800 | 4,443 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7054% | 1,692 |
| Cost of funding earning assets | 1.1798% | 4,983 |
| Net interest margin | 4.5256% | 1,204 |
| Noninterest income to average assets | 0.4802% | 4,331 |
| Noninterest expense to average assets | 3.1229% | 3,225 |
| Loan and lease loss provision to assets | 1.4812% | 906 |
| Net operating income to assets | -0.2654% | 6,395 |
| Return on assets (ROA) | -0.2654% | 6,445 |
| Pretax return on assets | -0.2555% | 6,371 |
| Return on Equity (ROE) | -2.7901% | 6,474 |
| Retained earnings to average equity (ytd only) | -2.7901% | 6,323 |
| Net charge-offs to loans | 1.8086% | 1,066 |
| Credit loss provision to net charge-offs | 113.5289% | 3,692 |
| Earnings coverage of net charge-offs (x) | 0.9395% | 5,118 |
| Efficiency ratio | 71.8138% | 3,736 |
| Assets per employee ($millions) | 5.2347% | 1,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8563% | 414 |
| Loan loss allowance to noncurrent loans | 73.0267% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 9.4542% | 449 |
| Noncurrent loans to loans | 5.2807% | 1,284 |
| Net loans and leases to total assets | 66.5358% | 3,565 |
| Net loans and leases to deposits | 74.5638% | 4,420 |
| Net loans and leases to core deposits | 79.0439% | 4,657 |
| Total domestic deposits to total assets | 89.2334% | 1,266 |
| Equity capital to assets | 9.8220% | 4,387 |
| Core capital (leverage) ratio | 9.3335% | 4,156 |
| Tier 1 risk-based capital ratio | 12.9383% | 4,622 |
| Total risk-based capital ratio | 14.2176% | 4,581 |
| Memoranda: | ||
| Average total assets | $108,016,500 | 4,838 |
| Average earning assets | $92,330,750 | 5,002 |
| Average equity | $10,274,000 | 5,117 |
| Average total loans | $77,920,250 | 4,472 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7259% | 1,669 |
| Cost of funding earning assets | 1.2230% | 4,999 |
| Net interest margin | 4.5029% | 1,203 |
| Noninterest income to average assets | 0.4655% | 4,392 |
| Noninterest expense to average assets | 3.0534% | 3,508 |
| Loan and lease loss provision to assets | 1.7411% | 719 |
| Net operating income to assets | -0.4839% | 6,637 |
| Return on assets (ROA) | -0.4839% | 6,674 |
| Pretax return on assets | -0.4692% | 6,561 |
| Return on Equity (ROE) | -5.1407% | 6,709 |
| Retained earnings to average equity (ytd only) | -5.1407% | 6,571 |
| Net charge-offs to loans | 2.6059% | 638 |
| Credit loss provision to net charge-offs | 91.4341% | 4,381 |
| Earnings coverage of net charge-offs (x) | 0.6679% | 5,076 |
| Efficiency ratio | 70.5932% | 4,061 |
| Assets per employee ($millions) | 4.8695% | 2,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3478% | 616 |
| Loan loss allowance to noncurrent loans | 76.2727% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 8.6194% | 532 |
| Noncurrent loans to loans | 4.3892% | 1,675 |
| Net loans and leases to total assets | 69.0432% | 3,122 |
| Net loans and leases to deposits | 77.1532% | 4,136 |
| Net loans and leases to core deposits | 81.4693% | 4,499 |
| Total domestic deposits to total assets | 89.4885% | 1,185 |
| Equity capital to assets | 9.5659% | 4,607 |
| Core capital (leverage) ratio | 9.2155% | 4,277 |
| Tier 1 risk-based capital ratio | 12.3284% | 5,018 |
| Total risk-based capital ratio | 13.6020% | 4,971 |
| Memoranda: | ||
| Average total assets | $109,124,000 | 4,828 |
| Average earning assets | $93,540,330 | 4,999 |
| Average equity | $10,271,000 | 5,124 |
| Average total loans | $79,742,670 | 4,448 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7655% | 1,575 |
| Cost of funding earning assets | 1.2620% | 5,053 |
| Net interest margin | 4.5035% | 1,132 |
| Noninterest income to average assets | 0.5267% | 3,841 |
| Noninterest expense to average assets | 2.9023% | 4,050 |
| Loan and lease loss provision to assets | 2.5427% | 415 |
| Net operating income to assets | -1.0425% | 7,133 |
| Return on assets (ROA) | -1.0425% | 7,154 |
| Pretax return on assets | -1.0425% | 7,069 |
| Return on Equity (ROE) | -11.1646% | 7,177 |
| Retained earnings to average equity (ytd only) | -11.1646% | 7,024 |
| Net charge-offs to loans | 3.1223% | 482 |
| Credit loss provision to net charge-offs | 110.2362% | 3,125 |
| Earnings coverage of net charge-offs (x) | 0.6504% | 4,445 |
| Efficiency ratio | 65.9241% | 5,132 |
| Assets per employee ($millions) | 4.4890% | 2,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4282% | 574 |
| Loan loss allowance to noncurrent loans | 76.0358% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 9.1752% | 480 |
| Noncurrent loans to loans | 4.5087% | 1,660 |
| Net loans and leases to total assets | 71.0153% | 2,692 |
| Net loans and leases to deposits | 79.3028% | 3,782 |
| Net loans and leases to core deposits | 84.5170% | 4,132 |
| Total domestic deposits to total assets | 89.5495% | 1,209 |
| Equity capital to assets | 9.4212% | 4,654 |
| Core capital (leverage) ratio | 9.0074% | 4,553 |
| Tier 1 risk-based capital ratio | 11.9183% | 5,281 |
| Total risk-based capital ratio | 13.1934% | 5,217 |
| Memoranda: | ||
| Average total assets | $110,121,000 | 4,868 |
| Average earning assets | $94,770,000 | 5,021 |
| Average equity | $10,282,500 | 5,154 |
| Average total loans | $81,350,000 | 4,466 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1760% | 1,301 |
| Cost of funding earning assets | 1.7449% | 4,278 |
| Net interest margin | 4.4311% | 1,342 |
| Noninterest income to average assets | 0.3745% | 5,416 |
| Noninterest expense to average assets | 2.7350% | 5,221 |
| Loan and lease loss provision to assets | 1.9064% | 1,167 |
| Net operating income to assets | -0.3101% | 5,984 |
| Return on assets (ROA) | -0.3101% | 5,981 |
| Pretax return on assets | -0.3101% | 5,842 |
| Return on Equity (ROE) | -3.4938% | 6,053 |
| Retained earnings to average equity (ytd only) | -3.4938% | 5,788 |
| Net charge-offs to loans | 1.7445% | 1,434 |
| Credit loss provision to net charge-offs | 138.7176% | 3,540 |
| Earnings coverage of net charge-offs (x) | 1.1615% | 4,961 |
| Efficiency ratio | 63.1455% | 5,941 |
| Assets per employee ($millions) | 4.6878% | 2,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1758% | 665 |
| Loan loss allowance to noncurrent loans | 62.1717% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 7.4192% | 656 |
| Noncurrent loans to loans | 5.1081% | 1,309 |
| Net loans and leases to total assets | 71.8397% | 2,793 |
| Net loans and leases to deposits | 79.9937% | 3,990 |
| Net loans and leases to core deposits | 104.0983% | 3,565 |
| Total domestic deposits to total assets | 89.8068% | 1,055 |
| Equity capital to assets | 9.2573% | 4,760 |
| Core capital (leverage) ratio | 9.0063% | 4,408 |
| Tier 1 risk-based capital ratio | 12.1622% | 4,808 |
| Total risk-based capital ratio | 13.4363% | 4,744 |
| Memoranda: | ||
| Average total assets | $118,023,600 | 4,629 |
| Average earning assets | $105,392,000 | 4,696 |
| Average equity | $10,475,600 | 5,173 |
| Average total loans | $92,975,600 | 4,133 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2522% | 1,241 |
| Cost of funding earning assets | 1.8357% | 4,217 |
| Net interest margin | 4.4165% | 1,399 |
| Noninterest income to average assets | 0.3484% | 5,713 |
| Noninterest expense to average assets | 2.7302% | 5,193 |
| Loan and lease loss provision to assets | 2.2891% | 745 |
| Net operating income to assets | -0.7057% | 6,609 |
| Return on assets (ROA) | -0.7057% | 6,624 |
| Pretax return on assets | -0.7057% | 6,489 |
| Return on Equity (ROE) | -8.0323% | 6,733 |
| Retained earnings to average equity (ytd only) | -8.0323% | 6,606 |
| Net charge-offs to loans | 1.7213% | 1,177 |
| Credit loss provision to net charge-offs | 166.5313% | 2,822 |
| Earnings coverage of net charge-offs (x) | 1.1519% | 4,913 |
| Efficiency ratio | 63.2928% | 5,874 |
| Assets per employee ($millions) | 4.3259% | 3,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2249% | 548 |
| Loan loss allowance to noncurrent loans | 77.3544% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 6.6638% | 745 |
| Noncurrent loans to loans | 4.1690% | 1,737 |
| Net loans and leases to total assets | 75.8255% | 2,021 |
| Net loans and leases to deposits | 84.6601% | 3,540 |
| Net loans and leases to core deposits | 110.3686% | 3,200 |
| Total domestic deposits to total assets | 89.5647% | 937 |
| Equity capital to assets | 9.0937% | 5,350 |
| Core capital (leverage) ratio | 8.4181% | 5,641 |
| Tier 1 risk-based capital ratio | 11.4796% | 5,451 |
| Total risk-based capital ratio | 12.7550% | 5,377 |
| Memoranda: | ||
| Average total assets | $119,403,000 | 4,610 |
| Average earning assets | $107,201,750 | 4,674 |
| Average equity | $10,490,750 | 5,208 |
| Average total loans | $95,350,750 | 4,110 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2884% | 1,237 |
| Cost of funding earning assets | 1.9475% | 4,020 |
| Net interest margin | 4.3409% | 1,548 |
| Noninterest income to average assets | 0.3352% | 5,828 |
| Noninterest expense to average assets | 2.6357% | 5,604 |
| Loan and lease loss provision to assets | 0.7394% | 2,218 |
| Net operating income to assets | 0.8791% | 2,540 |
| Return on assets (ROA) | 0.8791% | 2,648 |
| Pretax return on assets | 0.8791% | 3,404 |
| Return on Equity (ROE) | 10.1150% | 1,984 |
| Retained earnings to average equity (ytd only) | 10.1150% | 714 |
| Net charge-offs to loans | 0.7222% | 2,252 |
| Credit loss provision to net charge-offs | 127.4788% | 3,651 |
| Earnings coverage of net charge-offs (x) | 2.7904% | 3,691 |
| Efficiency ratio | 61.9544% | 6,251 |
| Assets per employee ($millions) | 4.4991% | 2,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2504% | 1,166 |
| Loan loss allowance to noncurrent loans | 61.7896% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 4.5821% | 1,211 |
| Noncurrent loans to loans | 3.6421% | 1,910 |
| Net loans and leases to total assets | 78.7197% | 1,587 |
| Net loans and leases to deposits | 87.9697% | 3,176 |
| Net loans and leases to core deposits | 115.6239% | 2,747 |
| Total domestic deposits to total assets | 89.4851% | 1,046 |
| Equity capital to assets | 9.2719% | 4,918 |
| Core capital (leverage) ratio | 8.8350% | 4,889 |
| Tier 1 risk-based capital ratio | 11.7097% | 5,189 |
| Total risk-based capital ratio | 12.9731% | 5,100 |
| Memoranda: | ||
| Average total assets | $121,712,670 | 4,588 |
| Average earning assets | $109,884,330 | 4,625 |
| Average equity | $10,578,330 | 5,191 |
| Average total loans | $97,759,000 | 4,071 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2396% | 1,480 |
| Cost of funding earning assets | 2.0763% | 3,760 |
| Net interest margin | 4.1633% | 2,040 |
| Noninterest income to average assets | 0.3288% | 5,818 |
| Noninterest expense to average assets | 2.4855% | 5,892 |
| Loan and lease loss provision to assets | 0.6770% | 1,869 |
| Net operating income to assets | 0.9349% | 2,570 |
| Return on assets (ROA) | 0.9349% | 2,699 |
| Pretax return on assets | 0.9349% | 3,583 |
| Return on Equity (ROE) | 11.1063% | 1,936 |
| Retained earnings to average equity (ytd only) | 11.1063% | 947 |
| Net charge-offs to loans | 0.9765% | 1,376 |
| Credit loss provision to net charge-offs | 86.4198% | 4,076 |
| Earnings coverage of net charge-offs (x) | 2.0576% | 3,697 |
| Efficiency ratio | 60.6609% | 6,300 |
| Assets per employee ($millions) | 4.5461% | 2,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0343% | 1,348 |
| Loan loss allowance to noncurrent loans | 53.3798% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 4.5762% | 1,040 |
| Noncurrent loans to loans | 3.8110% | 1,616 |
| Net loans and leases to total assets | 78.0739% | 1,808 |
| Net loans and leases to deposits | 86.5713% | 3,539 |
| Net loans and leases to core deposits | 111.2761% | 3,285 |
| Total domestic deposits to total assets | 90.1844% | 716 |
| Equity capital to assets | 8.6709% | 5,810 |
| Core capital (leverage) ratio | 8.3415% | 5,828 |
| Tier 1 risk-based capital ratio | 11.2144% | 5,690 |
| Total risk-based capital ratio | 12.4742% | 5,589 |
| Memoranda: | ||
| Average total assets | $124,080,500 | 4,540 |
| Average earning assets | $112,315,000 | 4,576 |
| Average equity | $10,444,500 | 5,245 |
| Average total loans | $99,536,500 | 4,043 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0682% | 971 |
| Cost of funding earning assets | 2.5679% | 3,862 |
| Net interest margin | 4.5002% | 1,416 |
| Noninterest income to average assets | 0.4290% | 5,222 |
| Noninterest expense to average assets | 2.8004% | 4,813 |
| Loan and lease loss provision to assets | 1.4139% | 976 |
| Net operating income to assets | 0.2303% | 5,752 |
| Return on assets (ROA) | -0.5349% | 6,829 |
| Pretax return on assets | -0.5349% | 6,680 |
| Return on Equity (ROE) | -7.0054% | 7,050 |
| Retained earnings to average equity (ytd only) | -7.0054% | 6,787 |
| Net charge-offs to loans | 0.6306% | 1,952 |
| Credit loss provision to net charge-offs | 279.5527% | 1,633 |
| Earnings coverage of net charge-offs (x) | 3.2508% | 4,464 |
| Efficiency ratio | 63.0067% | 5,773 |
| Assets per employee ($millions) | 4.6451% | 2,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9980% | 1,224 |
| Loan loss allowance to noncurrent loans | 51.3061% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 4.0553% | 1,004 |
| Noncurrent loans to loans | 3.8942% | 1,268 |
| Net loans and leases to total assets | 79.1193% | 1,856 |
| Net loans and leases to deposits | 87.2144% | 3,909 |
| Net loans and leases to core deposits | 107.3500% | 4,036 |
| Total domestic deposits to total assets | 90.7182% | 420 |
| Equity capital to assets | 8.1695% | 6,598 |
| Core capital (leverage) ratio | 8.1771% | 6,209 |
| Tier 1 risk-based capital ratio | 10.4933% | 6,216 |
| Total risk-based capital ratio | 11.7533% | 6,088 |
| Memoranda: | ||
| Average total assets | $123,768,600 | 4,426 |
| Average earning assets | $110,438,400 | 4,502 |
| Average equity | $9,449,800 | 5,586 |
| Average total loans | $99,266,000 | 3,971 |