Home > Citizens Bank of Pagosa Springs > Performance and Condition Ratios
Citizens Bank of Pagosa Springs, Performance and Condition Ratios
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5136% | 4,903 |
| Cost of funding earning assets | 0.3907% | 3,804 |
| Net interest margin | 3.1229% | 4,681 |
| Noninterest income to average assets | 0.7289% | 1,748 |
| Noninterest expense to average assets | 2.8252% | 2,587 |
| Loan and lease loss provision to assets | -0.9497% | 5,533 |
| Net operating income to assets | 1.7759% | 613 |
| Return on assets (ROA) | 1.7711% | 623 |
| Pretax return on assets | 1.7711% | 1,032 |
| Return on Equity (ROE) | 20.6496% | 222 |
| Retained earnings to average equity (ytd only) | -7.0308% | 5,362 |
| Net charge-offs to loans | -0.0550% | 4,951 |
| Credit loss provision to net charge-offs | 4,000.0000% | 100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3732% | 1,262 |
| Assets per employee ($millions) | 5.4868% | 1,891 |
| Cash dividends to net income (ytd only)* | 134.0483% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0968% | 444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 42.3222% | 4,973 |
| Net loans and leases to deposits | 46.5072% | 5,078 |
| Net loans and leases to core deposits | 46.8418% | 5,125 |
| Total domestic deposits to total assets | 91.0014% | 248 |
| Equity capital to assets | 8.8297% | 4,696 |
| Core capital (leverage) ratio | 9.1198% | 4,560 |
| Tier 1 risk-based capital ratio | 13.8346% | 3,443 |
| Total risk-based capital ratio | 15.0867% | 3,353 |
| Memoranda: | ||
| Average total assets | $84,241,000 | 4,444 |
| Average earning assets | $78,836,000 | 4,424 |
| Average equity | $7,225,330 | 4,818 |
| Average total loans | $36,370,000 | 4,741 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3928% | 5,032 |
| Cost of funding earning assets | 0.3792% | 3,741 |
| Net interest margin | 3.0136% | 4,859 |
| Noninterest income to average assets | 0.4178% | 3,329 |
| Noninterest expense to average assets | 2.8306% | 2,603 |
| Loan and lease loss provision to assets | -0.9389% | 5,595 |
| Net operating income to assets | 1.3613% | 1,447 |
| Return on assets (ROA) | 1.3707% | 1,435 |
| Pretax return on assets | 1.3707% | 2,101 |
| Return on Equity (ROE) | 16.2121% | 590 |
| Retained earnings to average equity (ytd only) | -39.3088% | 5,574 |
| Net charge-offs to loans | -0.1088% | 5,229 |
| Credit loss provision to net charge-offs | 2,000.0000% | 191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0130% | 585 |
| Assets per employee ($millions) | 5.9376% | 1,565 |
| Cash dividends to net income (ytd only)* | 342.4658% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5613% | 242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 4,292 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 43.2945% | 4,929 |
| Net loans and leases to deposits | 47.2154% | 5,068 |
| Net loans and leases to core deposits | 47.5485% | 5,114 |
| Total domestic deposits to total assets | 91.6957% | 151 |
| Equity capital to assets | 8.1467% | 5,207 |
| Core capital (leverage) ratio | 8.4675% | 5,162 |
| Tier 1 risk-based capital ratio | 12.6645% | 4,135 |
| Total risk-based capital ratio | 13.9201% | 4,034 |
| Memoranda: | ||
| Average total assets | $85,210,500 | 4,470 |
| Average earning assets | $80,170,000 | 4,444 |
| Average equity | $7,204,500 | 4,872 |
| Average total loans | $36,766,000 | 4,786 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4643% | 4,842 |
| Cost of funding earning assets | 0.3022% | 4,121 |
| Net interest margin | 3.1621% | 4,546 |
| Noninterest income to average assets | 0.5654% | 2,627 |
| Noninterest expense to average assets | 2.8172% | 2,715 |
| Loan and lease loss provision to assets | -0.2427% | 5,597 |
| Net operating income to assets | 0.9488% | 2,453 |
| Return on assets (ROA) | 0.9597% | 2,440 |
| Pretax return on assets | 0.9597% | 3,701 |
| Return on Equity (ROE) | 10.7487% | 1,565 |
| Retained earnings to average equity (ytd only) | 10.7487% | 269 |
| Net charge-offs to loans | -0.0719% | 5,288 |
| Credit loss provision to net charge-offs | 740.7407% | 449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9587% | 1,107 |
| Assets per employee ($millions) | 6.2354% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1041% | 129 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1512% | 4,384 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 40.6220% | 5,106 |
| Net loans and leases to deposits | 44.6185% | 5,229 |
| Net loans and leases to core deposits | 44.9198% | 5,266 |
| Total domestic deposits to total assets | 91.0430% | 233 |
| Equity capital to assets | 8.7485% | 4,929 |
| Core capital (leverage) ratio | 9.2077% | 4,387 |
| Tier 1 risk-based capital ratio | 14.3801% | 3,154 |
| Total risk-based capital ratio | 15.6411% | 3,055 |
| Memoranda: | ||
| Average total assets | $82,421,000 | 4,549 |
| Average earning assets | $77,101,800 | 4,518 |
| Average equity | $7,359,000 | 4,886 |
| Average total loans | $37,540,200 | 4,805 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4697% | 4,864 |
| Cost of funding earning assets | 0.2745% | 4,363 |
| Net interest margin | 3.1953% | 4,459 |
| Noninterest income to average assets | 0.5960% | 2,504 |
| Noninterest expense to average assets | 2.9030% | 2,397 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6748% | 4,102 |
| Return on assets (ROA) | 0.6896% | 4,098 |
| Pretax return on assets | 0.6896% | 4,635 |
| Return on Equity (ROE) | 7.6821% | 3,304 |
| Retained earnings to average equity (ytd only) | 7.6821% | 1,355 |
| Net charge-offs to loans | -0.0706% | 5,280 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1381% | 983 |
| Assets per employee ($millions) | 6.0160% | 1,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3674% | 107 |
| Loan loss allowance to noncurrent loans | 1,819.1781% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 3,978 |
| Noncurrent loans to loans | 0.1851% | 4,331 |
| Net loans and leases to total assets | 45.2472% | 4,977 |
| Net loans and leases to deposits | 49.8718% | 5,132 |
| Net loans and leases to core deposits | 50.2214% | 5,192 |
| Total domestic deposits to total assets | 90.7271% | 247 |
| Equity capital to assets | 9.0758% | 4,843 |
| Core capital (leverage) ratio | 8.9133% | 4,845 |
| Tier 1 risk-based capital ratio | 13.5687% | 3,661 |
| Total risk-based capital ratio | 14.8326% | 3,573 |
| Memoranda: | ||
| Average total assets | $81,202,500 | 4,608 |
| Average earning assets | $75,777,000 | 4,589 |
| Average equity | $7,289,500 | 4,947 |
| Average total loans | $37,776,000 | 4,847 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4501% | 4,879 |
| Cost of funding earning assets | 0.2298% | 4,718 |
| Net interest margin | 3.2203% | 4,352 |
| Noninterest income to average assets | 0.6359% | 2,281 |
| Noninterest expense to average assets | 2.8630% | 2,529 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7781% | 3,499 |
| Return on assets (ROA) | 0.8005% | 3,459 |
| Pretax return on assets | 0.8005% | 4,276 |
| Return on Equity (ROE) | 8.9523% | 2,532 |
| Retained earnings to average equity (ytd only) | 8.9523% | 858 |
| Net charge-offs to loans | -0.0752% | 5,323 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6301% | 1,377 |
| Assets per employee ($millions) | 4.8808% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4583% | 99 |
| Loan loss allowance to noncurrent loans | 1,740.7895% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.2984% | 3,939 |
| Noncurrent loans to loans | 0.1987% | 4,324 |
| Net loans and leases to total assets | 47.2936% | 4,869 |
| Net loans and leases to deposits | 52.4691% | 5,040 |
| Net loans and leases to core deposits | 52.8672% | 5,121 |
| Total domestic deposits to total assets | 90.1361% | 493 |
| Equity capital to assets | 9.6513% | 4,276 |
| Core capital (leverage) ratio | 9.2343% | 4,453 |
| Tier 1 risk-based capital ratio | 13.5540% | 3,670 |
| Total risk-based capital ratio | 14.8187% | 3,576 |
| Memoranda: | ||
| Average total assets | $80,195,330 | 4,662 |
| Average earning assets | $74,838,000 | 4,639 |
| Average equity | $7,171,330 | 4,989 |
| Average total loans | $37,222,330 | 4,892 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2475% | 5,179 |
| Cost of funding earning assets | 0.2003% | 4,971 |
| Net interest margin | 3.0472% | 4,793 |
| Noninterest income to average assets | 0.6105% | 2,370 |
| Noninterest expense to average assets | 2.8752% | 2,533 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5809% | 4,236 |
| Return on assets (ROA) | 0.6253% | 4,089 |
| Pretax return on assets | 0.6253% | 4,672 |
| Return on Equity (ROE) | 7.2691% | 3,284 |
| Retained earnings to average equity (ytd only) | 7.2691% | 1,760 |
| Net charge-offs to loans | -0.1199% | 5,502 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1909% | 1,046 |
| Assets per employee ($millions) | 5.1276% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5793% | 111 |
| Loan loss allowance to noncurrent loans | 1,669.6203% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.4339% | 3,458 |
| Noncurrent loans to loans | 0.2144% | 4,341 |
| Net loans and leases to total assets | 43.3101% | 5,076 |
| Net loans and leases to deposits | 47.5491% | 5,240 |
| Net loans and leases to core deposits | 47.8881% | 5,307 |
| Total domestic deposits to total assets | 91.0849% | 276 |
| Equity capital to assets | 8.7249% | 5,055 |
| Core capital (leverage) ratio | 8.9520% | 4,795 |
| Tier 1 risk-based capital ratio | 13.5709% | 3,736 |
| Total risk-based capital ratio | 14.8356% | 3,641 |
| Memoranda: | ||
| Average total assets | $81,246,500 | 4,691 |
| Average earning assets | $75,874,000 | 4,657 |
| Average equity | $6,988,500 | 5,066 |
| Average total loans | $36,705,500 | 4,951 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3512% | 5,074 |
| Cost of funding earning assets | 0.1355% | 5,516 |
| Net interest margin | 3.2157% | 4,399 |
| Noninterest income to average assets | 0.6208% | 2,549 |
| Noninterest expense to average assets | 2.8447% | 2,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7594% | 3,495 |
| Return on assets (ROA) | 0.7594% | 3,604 |
| Pretax return on assets | 0.7594% | 4,302 |
| Return on Equity (ROE) | 8.4856% | 2,681 |
| Retained earnings to average equity (ytd only) | 8.4856% | 705 |
| Net charge-offs to loans | 0.0758% | 2,616 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 21.7037% | 1,771 |
| Efficiency ratio | 78.9284% | 1,564 |
| Assets per employee ($millions) | 5.0283% | 2,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5777% | 106 |
| Loan loss allowance to noncurrent loans | 1,614.8148% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.5954% | 2,941 |
| Noncurrent loans to loans | 0.2216% | 4,359 |
| Net loans and leases to total assets | 43.8174% | 5,127 |
| Net loans and leases to deposits | 48.0011% | 5,302 |
| Net loans and leases to core deposits | 48.3487% | 5,357 |
| Total domestic deposits to total assets | 91.2842% | 212 |
| Equity capital to assets | 8.4759% | 5,288 |
| Core capital (leverage) ratio | 8.8324% | 4,927 |
| Tier 1 risk-based capital ratio | 13.6045% | 3,701 |
| Total risk-based capital ratio | 14.8700% | 3,600 |
| Memoranda: | ||
| Average total assets | $77,162,200 | 4,792 |
| Average earning assets | $71,586,600 | 4,764 |
| Average equity | $6,905,800 | 5,107 |
| Average total loans | $35,618,200 | 5,028 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3598% | 5,106 |
| Cost of funding earning assets | 0.1378% | 5,560 |
| Net interest margin | 3.2220% | 4,421 |
| Noninterest income to average assets | 0.5938% | 2,692 |
| Noninterest expense to average assets | 2.8556% | 2,805 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7196% | 3,744 |
| Return on assets (ROA) | 0.7196% | 3,883 |
| Pretax return on assets | 0.7196% | 4,557 |
| Return on Equity (ROE) | 7.9296% | 3,047 |
| Retained earnings to average equity (ytd only) | 7.9296% | 1,201 |
| Net charge-offs to loans | 0.1244% | 1,713 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 12.4845% | 2,384 |
| Efficiency ratio | 79.8730% | 1,448 |
| Assets per employee ($millions) | 4.6398% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4268% | 126 |
| Loan loss allowance to noncurrent loans | 1,446.6667% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.6339% | 3,006 |
| Noncurrent loans to loans | 0.2369% | 4,424 |
| Net loans and leases to total assets | 46.5199% | 5,060 |
| Net loans and leases to deposits | 51.2981% | 5,239 |
| Net loans and leases to core deposits | 51.6796% | 5,322 |
| Total domestic deposits to total assets | 90.6854% | 280 |
| Equity capital to assets | 9.0877% | 5,088 |
| Core capital (leverage) ratio | 8.8011% | 5,053 |
| Tier 1 risk-based capital ratio | 13.5647% | 3,822 |
| Total risk-based capital ratio | 14.8309% | 3,725 |
| Memoranda: | ||
| Average total assets | $76,339,750 | 4,839 |
| Average earning assets | $70,638,000 | 4,826 |
| Average equity | $6,927,500 | 5,157 |
| Average total loans | $35,382,750 | 5,080 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3624% | 5,158 |
| Cost of funding earning assets | 0.1343% | 5,652 |
| Net interest margin | 3.2281% | 4,453 |
| Noninterest income to average assets | 0.4583% | 3,464 |
| Noninterest expense to average assets | 2.8532% | 2,832 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5987% | 4,278 |
| Return on assets (ROA) | 0.5987% | 4,396 |
| Pretax return on assets | 0.5987% | 4,890 |
| Return on Equity (ROE) | 6.6011% | 3,753 |
| Retained earnings to average equity (ytd only) | 6.6011% | 1,815 |
| Net charge-offs to loans | 0.2144% | 1,096 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 6.1081% | 2,781 |
| Efficiency ratio | 82.6554% | 1,193 |
| Assets per employee ($millions) | 4.8573% | 2,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7572% | 102 |
| Loan loss allowance to noncurrent loans | 1,395.6989% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.6472% | 3,060 |
| Noncurrent loans to loans | 0.2692% | 4,401 |
| Net loans and leases to total assets | 42.7821% | 5,302 |
| Net loans and leases to deposits | 47.1624% | 5,452 |
| Net loans and leases to core deposits | 47.7167% | 5,507 |
| Total domestic deposits to total assets | 90.7125% | 258 |
| Equity capital to assets | 9.0971% | 5,163 |
| Core capital (leverage) ratio | 9.0026% | 4,825 |
| Tier 1 risk-based capital ratio | 14.5325% | 3,303 |
| Total risk-based capital ratio | 15.8023% | 3,224 |
| Memoranda: | ||
| Average total assets | $75,494,330 | 4,898 |
| Average earning assets | $70,009,670 | 4,886 |
| Average equity | $6,847,330 | 5,225 |
| Average total loans | $34,512,000 | 5,155 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3813% | 5,166 |
| Cost of funding earning assets | 0.1329% | 5,736 |
| Net interest margin | 3.2484% | 4,404 |
| Noninterest income to average assets | 0.3926% | 3,887 |
| Noninterest expense to average assets | 2.8232% | 2,981 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5915% | 4,220 |
| Return on assets (ROA) | 0.5915% | 4,332 |
| Pretax return on assets | 0.5915% | 4,840 |
| Return on Equity (ROE) | 6.5321% | 3,710 |
| Retained earnings to average equity (ytd only) | 6.5321% | 2,120 |
| Net charge-offs to loans | -0.1392% | 5,752 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6772% | 1,295 |
| Assets per employee ($millions) | 5.3543% | 1,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8941% | 100 |
| Loan loss allowance to noncurrent loans | 728.1081% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.6510% | 3,104 |
| Noncurrent loans to loans | 0.5348% | 3,585 |
| Net loans and leases to total assets | 44.3490% | 5,224 |
| Net loans and leases to deposits | 48.8861% | 5,389 |
| Net loans and leases to core deposits | 49.4805% | 5,459 |
| Total domestic deposits to total assets | 90.7191% | 356 |
| Equity capital to assets | 9.1049% | 5,082 |
| Core capital (leverage) ratio | 9.0170% | 4,837 |
| Tier 1 risk-based capital ratio | 14.2579% | 3,528 |
| Total risk-based capital ratio | 15.5279% | 3,438 |
| Memoranda: | ||
| Average total assets | $74,383,000 | 4,967 |
| Average earning assets | $69,204,000 | 4,949 |
| Average equity | $6,736,000 | 5,279 |
| Average total loans | $34,494,500 | 5,195 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5932% | 4,697 |
| Cost of funding earning assets | 0.1577% | 5,637 |
| Net interest margin | 3.4355% | 3,776 |
| Noninterest income to average assets | 0.8266% | 1,688 |
| Noninterest expense to average assets | 3.0037% | 2,533 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9961% | 2,383 |
| Return on assets (ROA) | 0.9933% | 2,494 |
| Pretax return on assets | 0.9933% | 3,499 |
| Return on Equity (ROE) | 9.7602% | 2,100 |
| Retained earnings to average equity (ytd only) | -13.5046% | 6,076 |
| Net charge-offs to loans | -0.0264% | 5,355 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0963% | 2,413 |
| Assets per employee ($millions) | 5.6774% | 1,631 |
| Cash dividends to net income (ytd only)* | 238.3639% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8810% | 88 |
| Loan loss allowance to noncurrent loans | 702.6316% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.6680% | 3,042 |
| Noncurrent loans to loans | 0.5524% | 3,514 |
| Net loans and leases to total assets | 44.7972% | 5,238 |
| Net loans and leases to deposits | 49.3854% | 5,421 |
| Net loans and leases to core deposits | 49.9940% | 5,498 |
| Total domestic deposits to total assets | 90.7094% | 372 |
| Equity capital to assets | 9.0060% | 5,112 |
| Core capital (leverage) ratio | 8.9552% | 4,933 |
| Tier 1 risk-based capital ratio | 13.8929% | 3,773 |
| Total risk-based capital ratio | 15.1626% | 3,689 |
| Memoranda: | ||
| Average total assets | $71,378,000 | 5,060 |
| Average earning assets | $65,929,600 | 5,044 |
| Average equity | $7,264,200 | 5,197 |
| Average total loans | $34,055,200 | 5,221 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6148% | 4,687 |
| Cost of funding earning assets | 0.1636% | 5,675 |
| Net interest margin | 3.4512% | 3,746 |
| Noninterest income to average assets | 0.9118% | 1,418 |
| Noninterest expense to average assets | 2.9503% | 2,673 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1417% | 1,858 |
| Return on assets (ROA) | 1.1379% | 1,945 |
| Pretax return on assets | 1.1379% | 3,059 |
| Return on Equity (ROE) | 10.8554% | 1,764 |
| Retained earnings to average equity (ytd only) | -19.5182% | 6,197 |
| Net charge-offs to loans | -0.0157% | 5,121 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0994% | 2,864 |
| Assets per employee ($millions) | 5.1036% | 2,174 |
| Cash dividends to net income (ytd only)* | 279.8028% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7838% | 107 |
| Loan loss allowance to noncurrent loans | 6,650.0000% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.4605% | 3,950 |
| Noncurrent loans to loans | 0.0569% | 5,390 |
| Net loans and leases to total assets | 47.3331% | 5,129 |
| Net loans and leases to deposits | 52.1383% | 5,363 |
| Net loans and leases to core deposits | 52.8000% | 5,468 |
| Total domestic deposits to total assets | 90.7839% | 311 |
| Equity capital to assets | 9.0678% | 5,243 |
| Core capital (leverage) ratio | 8.9843% | 5,007 |
| Tier 1 risk-based capital ratio | 13.3844% | 4,203 |
| Total risk-based capital ratio | 14.6535% | 4,119 |
| Memoranda: | ||
| Average total assets | $70,771,000 | 5,135 |
| Average earning assets | $65,211,500 | 5,116 |
| Average equity | $7,418,500 | 5,231 |
| Average total loans | $33,969,500 | 5,285 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5918% | 4,736 |
| Cost of funding earning assets | 0.1727% | 5,672 |
| Net interest margin | 3.4192% | 3,835 |
| Noninterest income to average assets | 1.1029% | 996 |
| Noninterest expense to average assets | 2.9995% | 2,553 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2474% | 1,474 |
| Return on assets (ROA) | 1.2418% | 1,552 |
| Pretax return on assets | 1.2418% | 2,586 |
| Return on Equity (ROE) | 11.3300% | 1,576 |
| Retained earnings to average equity (ytd only) | 11.3300% | 463 |
| Net charge-offs to loans | 0.0179% | 3,340 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 146.6667% | 437 |
| Efficiency ratio | 70.6275% | 3,237 |
| Assets per employee ($millions) | 4.8469% | 2,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7729% | 130 |
| Loan loss allowance to noncurrent loans | 842.6752% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.7560% | 3,115 |
| Noncurrent loans to loans | 0.4477% | 4,128 |
| Net loans and leases to total assets | 49.7266% | 4,956 |
| Net loans and leases to deposits | 56.3266% | 5,102 |
| Net loans and leases to core deposits | 57.1006% | 5,247 |
| Total domestic deposits to total assets | 88.2827% | 1,503 |
| Equity capital to assets | 11.5773% | 2,349 |
| Core capital (leverage) ratio | 11.6824% | 1,853 |
| Tier 1 risk-based capital ratio | 16.3569% | 2,681 |
| Total risk-based capital ratio | 17.6246% | 2,627 |
| Memoranda: | ||
| Average total assets | $70,544,330 | 5,199 |
| Average earning assets | $64,869,330 | 5,179 |
| Average equity | $7,731,670 | 5,214 |
| Average total loans | $33,576,000 | 5,339 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5007% | 4,961 |
| Cost of funding earning assets | 0.1753% | 5,720 |
| Net interest margin | 3.3254% | 4,110 |
| Noninterest income to average assets | 1.2519% | 728 |
| Noninterest expense to average assets | 2.9935% | 2,603 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3187% | 1,215 |
| Return on assets (ROA) | 1.3187% | 1,303 |
| Pretax return on assets | 1.3187% | 2,203 |
| Return on Equity (ROE) | 12.3606% | 1,253 |
| Retained earnings to average equity (ytd only) | 12.3606% | 521 |
| Net charge-offs to loans | -0.0853% | 5,783 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4194% | 3,592 |
| Assets per employee ($millions) | 4.9848% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1096% | 118 |
| Loan loss allowance to noncurrent loans | 490.0735% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 1.1922% | 2,252 |
| Noncurrent loans to loans | 0.8386% | 3,148 |
| Net loans and leases to total assets | 44.5685% | 5,305 |
| Net loans and leases to deposits | 50.2959% | 5,438 |
| Net loans and leases to core deposits | 50.9635% | 5,545 |
| Total domestic deposits to total assets | 88.6125% | 1,492 |
| Equity capital to assets | 11.2328% | 2,717 |
| Core capital (leverage) ratio | 10.7581% | 2,678 |
| Tier 1 risk-based capital ratio | 15.6087% | 3,100 |
| Total risk-based capital ratio | 16.8770% | 3,029 |
| Memoranda: | ||
| Average total assets | $71,888,000 | 5,200 |
| Average earning assets | $66,157,500 | 5,198 |
| Average equity | $7,669,500 | 5,265 |
| Average total loans | $32,831,000 | 5,410 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5389% | 5,229 |
| Cost of funding earning assets | 0.2270% | 5,546 |
| Net interest margin | 3.3119% | 4,530 |
| Noninterest income to average assets | 0.5051% | 3,463 |
| Noninterest expense to average assets | 2.8776% | 3,214 |
| Loan and lease loss provision to assets | -0.2395% | 6,327 |
| Net operating income to assets | 0.9193% | 2,782 |
| Return on assets (ROA) | 0.9234% | 2,855 |
| Pretax return on assets | 0.9234% | 3,809 |
| Return on Equity (ROE) | 9.0344% | 2,566 |
| Retained earnings to average equity (ytd only) | 3.1910% | 3,963 |
| Net charge-offs to loans | 0.1053% | 3,004 |
| Credit loss provision to net charge-offs | -497.1429% | 5,786 |
| Earnings coverage of net charge-offs (x) | 14.1143% | 2,193 |
| Efficiency ratio | 80.8897% | 1,785 |
| Assets per employee ($millions) | 5.2849% | 1,981 |
| Cash dividends to net income (ytd only)* | 64.6796% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9909% | 134 |
| Loan loss allowance to noncurrent loans | 680.0000% | 836 |
| Noncurrent assets plus other real estate owned to assets | 1.3407% | 2,093 |
| Noncurrent loans to loans | 0.5869% | 3,905 |
| Net loans and leases to total assets | 43.1145% | 5,530 |
| Net loans and leases to deposits | 48.0907% | 5,682 |
| Net loans and leases to core deposits | 48.6830% | 5,778 |
| Total domestic deposits to total assets | 89.6525% | 898 |
| Equity capital to assets | 10.1366% | 3,940 |
| Core capital (leverage) ratio | 10.0500% | 3,500 |
| Tier 1 risk-based capital ratio | 15.6563% | 3,149 |
| Total risk-based capital ratio | 16.9246% | 3,071 |
| Memoranda: | ||
| Average total assets | $72,665,200 | 5,212 |
| Average earning assets | $66,970,000 | 5,201 |
| Average equity | $7,427,200 | 5,318 |
| Average total loans | $33,246,800 | 5,437 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5591% | 5,244 |
| Cost of funding earning assets | 0.2315% | 5,578 |
| Net interest margin | 3.3275% | 4,517 |
| Noninterest income to average assets | 0.5788% | 3,003 |
| Noninterest expense to average assets | 2.8386% | 3,321 |
| Loan and lease loss provision to assets | -0.3207% | 6,476 |
| Net operating income to assets | 1.1336% | 1,918 |
| Return on assets (ROA) | 1.1391% | 1,966 |
| Pretax return on assets | 1.1391% | 3,034 |
| Return on Equity (ROE) | 11.1213% | 1,745 |
| Retained earnings to average equity (ytd only) | 10.0956% | 680 |
| Net charge-offs to loans | 0.1684% | 2,112 |
| Credit loss provision to net charge-offs | -414.2857% | 5,712 |
| Earnings coverage of net charge-offs (x) | 10.4998% | 2,533 |
| Efficiency ratio | 77.7385% | 2,224 |
| Assets per employee ($millions) | 5.2417% | 1,969 |
| Cash dividends to net income (ytd only)* | 9.2235% | 3,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9548% | 164 |
| Loan loss allowance to noncurrent loans | 649.7537% | 806 |
| Noncurrent assets plus other real estate owned to assets | 1.4267% | 2,161 |
| Noncurrent loans to loans | 0.6087% | 4,103 |
| Net loans and leases to total assets | 43.6512% | 5,543 |
| Net loans and leases to deposits | 48.9644% | 5,702 |
| Net loans and leases to core deposits | 49.5736% | 5,812 |
| Total domestic deposits to total assets | 89.1489% | 1,153 |
| Equity capital to assets | 10.7244% | 3,265 |
| Core capital (leverage) ratio | 10.6898% | 2,829 |
| Tier 1 risk-based capital ratio | 16.7082% | 2,722 |
| Total risk-based capital ratio | 17.9789% | 2,670 |
| Memoranda: | ||
| Average total assets | $72,334,250 | 5,280 |
| Average earning assets | $66,794,750 | 5,265 |
| Average equity | $7,409,000 | 5,363 |
| Average total loans | $33,252,000 | 5,480 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4197% | 5,581 |
| Cost of funding earning assets | 0.2410% | 5,573 |
| Net interest margin | 3.1787% | 5,016 |
| Noninterest income to average assets | 0.5529% | 3,099 |
| Noninterest expense to average assets | 2.8228% | 3,415 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6613% | 4,039 |
| Return on assets (ROA) | 0.6696% | 4,094 |
| Pretax return on assets | 0.6696% | 4,737 |
| Return on Equity (ROE) | 6.6434% | 3,806 |
| Retained earnings to average equity (ytd only) | 6.6434% | 1,952 |
| Net charge-offs to loans | 0.2167% | 1,727 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.6111% | 2,746 |
| Efficiency ratio | 81.0207% | 1,874 |
| Assets per employee ($millions) | 4.7797% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3846% | 132 |
| Loan loss allowance to noncurrent loans | 369.2118% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 1.4213% | 2,297 |
| Noncurrent loans to loans | 1.1876% | 2,857 |
| Net loans and leases to total assets | 45.5939% | 5,404 |
| Net loans and leases to deposits | 50.9786% | 5,562 |
| Net loans and leases to core deposits | 51.8972% | 5,669 |
| Total domestic deposits to total assets | 89.4373% | 1,130 |
| Equity capital to assets | 10.4580% | 3,492 |
| Core capital (leverage) ratio | 10.4258% | 3,054 |
| Tier 1 risk-based capital ratio | 16.4586% | 2,851 |
| Total risk-based capital ratio | 17.7336% | 2,800 |
| Memoranda: | ||
| Average total assets | $71,984,330 | 5,334 |
| Average earning assets | $66,380,000 | 5,313 |
| Average equity | $7,255,330 | 5,425 |
| Average total loans | $33,218,670 | 5,525 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3630% | 5,721 |
| Cost of funding earning assets | 0.2467% | 5,613 |
| Net interest margin | 3.1163% | 5,188 |
| Noninterest income to average assets | 0.5047% | 3,372 |
| Noninterest expense to average assets | 2.8505% | 3,378 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5268% | 4,567 |
| Return on assets (ROA) | 0.5268% | 4,635 |
| Pretax return on assets | 0.5268% | 5,089 |
| Return on Equity (ROE) | 5.3266% | 4,373 |
| Retained earnings to average equity (ytd only) | 5.3266% | 2,904 |
| Net charge-offs to loans | 0.4643% | 781 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 2,865 |
| Efficiency ratio | 84.4007% | 1,626 |
| Assets per employee ($millions) | 4.4859% | 2,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4757% | 132 |
| Loan loss allowance to noncurrent loans | 205.3498% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 1.7067% | 2,068 |
| Noncurrent loans to loans | 2.1796% | 1,675 |
| Net loans and leases to total assets | 44.5147% | 5,466 |
| Net loans and leases to deposits | 49.5672% | 5,625 |
| Net loans and leases to core deposits | 50.1877% | 5,751 |
| Total domestic deposits to total assets | 89.8069% | 1,179 |
| Equity capital to assets | 10.0747% | 3,756 |
| Core capital (leverage) ratio | 10.1391% | 3,370 |
| Tier 1 risk-based capital ratio | 16.5363% | 2,881 |
| Total risk-based capital ratio | 17.8132% | 2,839 |
| Memoranda: | ||
| Average total assets | $72,128,500 | 5,385 |
| Average earning assets | $66,489,000 | 5,361 |
| Average equity | $7,134,000 | 5,485 |
| Average total loans | $32,734,000 | 5,595 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4812% | 5,680 |
| Cost of funding earning assets | 0.3106% | 5,515 |
| Net interest margin | 3.1706% | 5,090 |
| Noninterest income to average assets | 0.6104% | 3,024 |
| Noninterest expense to average assets | 2.8375% | 3,580 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6666% | 3,952 |
| Return on assets (ROA) | 0.7185% | 3,790 |
| Pretax return on assets | 0.7185% | 4,469 |
| Return on Equity (ROE) | 6.7926% | 3,676 |
| Retained earnings to average equity (ytd only) | -6.4344% | 6,431 |
| Net charge-offs to loans | 0.4320% | 1,538 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 3.3451% | 3,882 |
| Efficiency ratio | 80.9772% | 2,028 |
| Assets per employee ($millions) | 4.5302% | 2,850 |
| Cash dividends to net income (ytd only)* | 194.7266% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7937% | 105 |
| Loan loss allowance to noncurrent loans | 175.6293% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 1.7535% | 2,115 |
| Noncurrent loans to loans | 2.7295% | 1,324 |
| Net loans and leases to total assets | 42.0595% | 5,822 |
| Net loans and leases to deposits | 46.6568% | 5,971 |
| Net loans and leases to core deposits | 47.2307% | 6,079 |
| Total domestic deposits to total assets | 90.1467% | 1,009 |
| Equity capital to assets | 9.7085% | 4,156 |
| Core capital (leverage) ratio | 9.9619% | 3,625 |
| Tier 1 risk-based capital ratio | 16.8607% | 2,674 |
| Total risk-based capital ratio | 18.1400% | 2,626 |
| Memoranda: | ||
| Average total assets | $71,259,600 | 5,436 |
| Average earning assets | $65,034,800 | 5,435 |
| Average equity | $7,537,600 | 5,451 |
| Average total loans | $32,868,000 | 5,628 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5071% | 5,673 |
| Cost of funding earning assets | 0.3258% | 5,500 |
| Net interest margin | 3.1813% | 5,054 |
| Noninterest income to average assets | 0.6859% | 2,694 |
| Noninterest expense to average assets | 2.9145% | 3,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6708% | 4,010 |
| Return on assets (ROA) | 0.7404% | 3,773 |
| Pretax return on assets | 0.7404% | 4,532 |
| Return on Equity (ROE) | 6.8555% | 3,730 |
| Retained earnings to average equity (ytd only) | -10.4921% | 6,648 |
| Net charge-offs to loans | -0.0121% | 5,925 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2893% | 1,933 |
| Assets per employee ($millions) | 4.4738% | 2,925 |
| Cash dividends to net income (ytd only)* | 253.0458% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1845% | 101 |
| Loan loss allowance to noncurrent loans | 189.8305% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 1.9796% | 2,043 |
| Noncurrent loans to loans | 2.7311% | 1,544 |
| Net loans and leases to total assets | 42.9226% | 5,825 |
| Net loans and leases to deposits | 47.5891% | 5,990 |
| Net loans and leases to core deposits | 48.1786% | 6,116 |
| Total domestic deposits to total assets | 90.1942% | 897 |
| Equity capital to assets | 9.6396% | 4,370 |
| Core capital (leverage) ratio | 9.8465% | 3,897 |
| Tier 1 risk-based capital ratio | 16.9260% | 2,741 |
| Total risk-based capital ratio | 18.2102% | 2,687 |
| Memoranda: | ||
| Average total assets | $70,953,750 | 5,504 |
| Average earning assets | $64,667,000 | 5,502 |
| Average equity | $7,662,750 | 5,481 |
| Average total loans | $33,079,750 | 5,676 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5614% | 5,557 |
| Cost of funding earning assets | 0.3418% | 5,476 |
| Net interest margin | 3.2196% | 4,873 |
| Noninterest income to average assets | 0.6559% | 2,883 |
| Noninterest expense to average assets | 2.8949% | 3,351 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6898% | 3,857 |
| Return on assets (ROA) | 0.7916% | 3,500 |
| Pretax return on assets | 0.7916% | 4,344 |
| Return on Equity (ROE) | 7.0734% | 3,556 |
| Retained earnings to average equity (ytd only) | 7.0734% | 1,861 |
| Net charge-offs to loans | -0.0180% | 5,943 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7571% | 2,054 |
| Assets per employee ($millions) | 4.3856% | 3,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0963% | 104 |
| Loan loss allowance to noncurrent loans | 173.0175% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 2.6208% | 1,599 |
| Noncurrent loans to loans | 2.9455% | 1,519 |
| Net loans and leases to total assets | 44.5846% | 5,690 |
| Net loans and leases to deposits | 50.2942% | 5,818 |
| Net loans and leases to core deposits | 50.9378% | 5,967 |
| Total domestic deposits to total assets | 88.6476% | 1,810 |
| Equity capital to assets | 11.1743% | 2,582 |
| Core capital (leverage) ratio | 11.2708% | 2,111 |
| Tier 1 risk-based capital ratio | 18.7436% | 2,066 |
| Total risk-based capital ratio | 20.0284% | 2,020 |
| Memoranda: | ||
| Average total assets | $70,745,000 | 5,546 |
| Average earning assets | $64,356,000 | 5,548 |
| Average equity | $7,917,000 | 5,451 |
| Average total loans | $33,305,000 | 5,698 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5641% | 5,544 |
| Cost of funding earning assets | 0.3497% | 5,533 |
| Net interest margin | 3.2145% | 4,873 |
| Noninterest income to average assets | 0.5688% | 3,314 |
| Noninterest expense to average assets | 2.9001% | 3,343 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6194% | 4,123 |
| Return on assets (ROA) | 0.8222% | 3,183 |
| Pretax return on assets | 0.8222% | 4,075 |
| Return on Equity (ROE) | 7.3413% | 3,296 |
| Retained earnings to average equity (ytd only) | 7.3413% | 2,007 |
| Net charge-offs to loans | -0.0239% | 5,800 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4000% | 1,980 |
| Assets per employee ($millions) | 5.0176% | 2,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9957% | 135 |
| Loan loss allowance to noncurrent loans | 180.3437% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 3.1859% | 1,370 |
| Noncurrent loans to loans | 2.7701% | 1,833 |
| Net loans and leases to total assets | 45.4539% | 5,493 |
| Net loans and leases to deposits | 51.3906% | 5,675 |
| Net loans and leases to core deposits | 51.8353% | 5,837 |
| Total domestic deposits to total assets | 88.4479% | 2,040 |
| Equity capital to assets | 11.3713% | 2,557 |
| Core capital (leverage) ratio | 11.0639% | 2,209 |
| Tier 1 risk-based capital ratio | 18.4148% | 2,223 |
| Total risk-based capital ratio | 19.6988% | 2,180 |
| Memoranda: | ||
| Average total assets | $71,032,500 | 5,594 |
| Average earning assets | $65,205,500 | 5,570 |
| Average equity | $7,955,000 | 5,494 |
| Average total loans | $33,475,000 | 5,727 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1073% | 4,926 |
| Cost of funding earning assets | 0.4489% | 5,586 |
| Net interest margin | 3.6585% | 3,837 |
| Noninterest income to average assets | 0.6888% | 2,778 |
| Noninterest expense to average assets | 3.0939% | 2,945 |
| Loan and lease loss provision to assets | 0.3514% | 1,901 |
| Net operating income to assets | 0.5890% | 4,291 |
| Return on assets (ROA) | 0.4231% | 5,251 |
| Pretax return on assets | 0.4231% | 5,513 |
| Return on Equity (ROE) | 3.9977% | 5,143 |
| Retained earnings to average equity (ytd only) | 3.9977% | 3,390 |
| Net charge-offs to loans | 1.6433% | 512 |
| Credit loss provision to net charge-offs | 42.8816% | 4,865 |
| Earnings coverage of net charge-offs (x) | 1.1475% | 4,888 |
| Efficiency ratio | 76.6899% | 2,638 |
| Assets per employee ($millions) | 4.7879% | 2,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0298% | 133 |
| Loan loss allowance to noncurrent loans | 203.7667% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 2.8739% | 1,657 |
| Noncurrent loans to loans | 2.4684% | 2,150 |
| Net loans and leases to total assets | 44.0892% | 5,807 |
| Net loans and leases to deposits | 49.6643% | 5,977 |
| Net loans and leases to core deposits | 50.0815% | 6,142 |
| Total domestic deposits to total assets | 88.7744% | 1,716 |
| Equity capital to assets | 11.0307% | 2,913 |
| Core capital (leverage) ratio | 10.6313% | 2,619 |
| Tier 1 risk-based capital ratio | 18.3574% | 2,152 |
| Total risk-based capital ratio | 19.6426% | 2,101 |
| Memoranda: | ||
| Average total assets | $71,139,600 | 5,600 |
| Average earning assets | $65,054,800 | 5,584 |
| Average equity | $7,529,400 | 5,628 |
| Average total loans | $35,478,200 | 5,701 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2084% | 4,792 |
| Cost of funding earning assets | 0.4667% | 5,667 |
| Net interest margin | 3.7417% | 3,598 |
| Noninterest income to average assets | 0.7064% | 2,680 |
| Noninterest expense to average assets | 3.1505% | 2,716 |
| Loan and lease loss provision to assets | 0.4227% | 1,507 |
| Net operating income to assets | 0.5523% | 4,616 |
| Return on assets (ROA) | 0.5523% | 4,870 |
| Pretax return on assets | 0.5523% | 5,293 |
| Return on Equity (ROE) | 5.2749% | 4,697 |
| Retained earnings to average equity (ytd only) | 5.2749% | 3,175 |
| Net charge-offs to loans | 1.6290% | 513 |
| Credit loss provision to net charge-offs | 51.1364% | 4,379 |
| Earnings coverage of net charge-offs (x) | 1.1795% | 4,709 |
| Efficiency ratio | 76.3661% | 2,616 |
| Assets per employee ($millions) | 4.7869% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3113% | 116 |
| Loan loss allowance to noncurrent loans | 343.2122% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 2.4414% | 2,168 |
| Noncurrent loans to loans | 1.5475% | 3,469 |
| Net loans and leases to total assets | 44.5672% | 5,923 |
| Net loans and leases to deposits | 50.0798% | 6,100 |
| Net loans and leases to core deposits | 50.4963% | 6,254 |
| Total domestic deposits to total assets | 88.9923% | 1,431 |
| Equity capital to assets | 10.6944% | 3,613 |
| Core capital (leverage) ratio | 10.8001% | 2,601 |
| Tier 1 risk-based capital ratio | 17.8580% | 2,404 |
| Total risk-based capital ratio | 19.1444% | 2,354 |
| Memoranda: | ||
| Average total assets | $70,970,000 | 5,667 |
| Average earning assets | $64,853,250 | 5,644 |
| Average equity | $7,431,250 | 5,716 |
| Average total loans | $36,012,500 | 5,753 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2219% | 4,872 |
| Cost of funding earning assets | 0.4852% | 5,726 |
| Net interest margin | 3.7367% | 3,654 |
| Noninterest income to average assets | 0.7554% | 2,394 |
| Noninterest expense to average assets | 3.1206% | 2,857 |
| Loan and lease loss provision to assets | 0.4244% | 1,535 |
| Net operating income to assets | 0.6309% | 4,220 |
| Return on assets (ROA) | 0.6309% | 4,468 |
| Pretax return on assets | 0.6309% | 5,022 |
| Return on Equity (ROE) | 6.0691% | 4,292 |
| Retained earnings to average equity (ytd only) | 6.0691% | 2,671 |
| Net charge-offs to loans | 2.4108% | 303 |
| Credit loss provision to net charge-offs | 33.8600% | 4,382 |
| Earnings coverage of net charge-offs (x) | 0.8420% | 4,638 |
| Efficiency ratio | 74.7290% | 2,946 |
| Assets per employee ($millions) | 4.6637% | 2,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8694% | 179 |
| Loan loss allowance to noncurrent loans | 541.6404% | 680 |
| Noncurrent assets plus other real estate owned to assets | 2.4044% | 2,324 |
| Noncurrent loans to loans | 0.8990% | 4,698 |
| Net loans and leases to total assets | 47.9508% | 5,617 |
| Net loans and leases to deposits | 53.8254% | 5,885 |
| Net loans and leases to core deposits | 54.2818% | 6,073 |
| Total domestic deposits to total assets | 89.0858% | 1,457 |
| Equity capital to assets | 10.7955% | 3,344 |
| Core capital (leverage) ratio | 10.7219% | 2,579 |
| Tier 1 risk-based capital ratio | 17.0479% | 2,645 |
| Total risk-based capital ratio | 18.3304% | 2,594 |
| Memoranda: | ||
| Average total assets | $70,692,000 | 5,712 |
| Average earning assets | $64,710,000 | 5,683 |
| Average equity | $7,348,670 | 5,754 |
| Average total loans | $36,751,330 | 5,747 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2364% | 4,975 |
| Cost of funding earning assets | 0.5064% | 5,773 |
| Net interest margin | 3.7300% | 3,696 |
| Noninterest income to average assets | 0.5629% | 3,474 |
| Noninterest expense to average assets | 3.0115% | 3,202 |
| Loan and lease loss provision to assets | 0.4222% | 1,487 |
| Net operating income to assets | 0.5291% | 4,693 |
| Return on assets (ROA) | 0.5291% | 4,905 |
| Pretax return on assets | 0.5291% | 5,337 |
| Return on Equity (ROE) | 5.1884% | 4,697 |
| Retained earnings to average equity (ytd only) | 5.1884% | 3,448 |
| Net charge-offs to loans | 2.1975% | 406 |
| Credit loss provision to net charge-offs | 36.4078% | 3,506 |
| Earnings coverage of net charge-offs (x) | 0.8204% | 3,919 |
| Efficiency ratio | 75.9943% | 2,790 |
| Assets per employee ($millions) | 4.7305% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1485% | 155 |
| Loan loss allowance to noncurrent loans | 145.9984% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 4.8085% | 1,093 |
| Noncurrent loans to loans | 3.5264% | 1,765 |
| Net loans and leases to total assets | 48.7852% | 5,457 |
| Net loans and leases to deposits | 54.4806% | 5,761 |
| Net loans and leases to core deposits | 54.9302% | 5,990 |
| Total domestic deposits to total assets | 89.5459% | 1,342 |
| Equity capital to assets | 10.3470% | 3,674 |
| Core capital (leverage) ratio | 10.6378% | 2,609 |
| Tier 1 risk-based capital ratio | 16.1640% | 3,092 |
| Total risk-based capital ratio | 17.4491% | 3,029 |
| Memoranda: | ||
| Average total assets | $71,060,500 | 5,739 |
| Average earning assets | $64,772,000 | 5,730 |
| Average equity | $7,247,000 | 5,798 |
| Average total loans | $37,496,500 | 5,754 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5719% | 4,783 |
| Cost of funding earning assets | 0.7142% | 5,440 |
| Net interest margin | 3.8577% | 3,526 |
| Noninterest income to average assets | 0.3518% | 4,988 |
| Noninterest expense to average assets | 2.8956% | 3,974 |
| Loan and lease loss provision to assets | 0.4139% | 2,524 |
| Net operating income to assets | 0.5518% | 4,223 |
| Return on assets (ROA) | 0.3269% | 5,309 |
| Pretax return on assets | 0.3269% | 5,484 |
| Return on Equity (ROE) | 3.4240% | 5,112 |
| Retained earnings to average equity (ytd only) | 3.4240% | 3,790 |
| Net charge-offs to loans | 1.3141% | 1,256 |
| Credit loss provision to net charge-offs | 53.4759% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.2478% | 4,844 |
| Efficiency ratio | 74.9911% | 3,060 |
| Assets per employee ($millions) | 4.7442% | 2,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2212% | 155 |
| Loan loss allowance to noncurrent loans | 121.9660% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 4.8747% | 1,108 |
| Noncurrent loans to loans | 4.2809% | 1,427 |
| Net loans and leases to total assets | 51.2724% | 5,432 |
| Net loans and leases to deposits | 57.1377% | 5,784 |
| Net loans and leases to core deposits | 57.6041% | 6,034 |
| Total domestic deposits to total assets | 89.7348% | 1,142 |
| Equity capital to assets | 10.0502% | 4,107 |
| Core capital (leverage) ratio | 10.1821% | 3,114 |
| Tier 1 risk-based capital ratio | 15.3114% | 3,447 |
| Total risk-based capital ratio | 16.5985% | 3,372 |
| Memoranda: | ||
| Average total assets | $72,489,600 | 5,680 |
| Average earning assets | $65,945,800 | 5,666 |
| Average equity | $6,921,800 | 5,884 |
| Average total loans | $42,690,200 | 5,574 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6110% | 4,826 |
| Cost of funding earning assets | 0.7651% | 5,365 |
| Net interest margin | 3.8458% | 3,638 |
| Noninterest income to average assets | 0.2600% | 5,760 |
| Noninterest expense to average assets | 2.9222% | 3,827 |
| Loan and lease loss provision to assets | 0.4120% | 2,406 |
| Net operating income to assets | 0.4229% | 4,892 |
| Return on assets (ROA) | 0.4229% | 5,081 |
| Pretax return on assets | 0.4229% | 5,394 |
| Return on Equity (ROE) | 4.4869% | 4,770 |
| Retained earnings to average equity (ytd only) | 4.4869% | 3,527 |
| Net charge-offs to loans | 1.0029% | 1,608 |
| Credit loss provision to net charge-offs | 68.3891% | 4,533 |
| Earnings coverage of net charge-offs (x) | 1.3860% | 4,588 |
| Efficiency ratio | 77.7778% | 2,571 |
| Assets per employee ($millions) | 4.8329% | 2,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2298% | 155 |
| Loan loss allowance to noncurrent loans | 88.3408% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 5.8047% | 942 |
| Noncurrent loans to loans | 5.9200% | 951 |
| Net loans and leases to total assets | 54.1694% | 5,140 |
| Net loans and leases to deposits | 60.2951% | 5,596 |
| Net loans and leases to core deposits | 60.7738% | 5,925 |
| Total domestic deposits to total assets | 89.8404% | 954 |
| Equity capital to assets | 9.9016% | 4,476 |
| Core capital (leverage) ratio | 10.2267% | 3,162 |
| Tier 1 risk-based capital ratio | 15.0101% | 3,654 |
| Total risk-based capital ratio | 16.2993% | 3,605 |
| Memoranda: | ||
| Average total assets | $72,821,250 | 5,713 |
| Average earning assets | $66,217,500 | 5,701 |
| Average equity | $6,864,250 | 5,941 |
| Average total loans | $43,738,500 | 5,572 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6684% | 4,670 |
| Cost of funding earning assets | 0.8238% | 5,222 |
| Net interest margin | 3.8445% | 3,560 |
| Noninterest income to average assets | 0.5430% | 3,530 |
| Noninterest expense to average assets | 3.2963% | 2,583 |
| Loan and lease loss provision to assets | 0.4113% | 2,379 |
| Net operating income to assets | 0.3291% | 5,252 |
| Return on assets (ROA) | 0.3291% | 5,385 |
| Pretax return on assets | 0.3291% | 5,601 |
| Return on Equity (ROE) | 3.5505% | 5,137 |
| Retained earnings to average equity (ytd only) | 3.5505% | 3,979 |
| Net charge-offs to loans | 1.1190% | 1,406 |
| Credit loss provision to net charge-offs | 60.2410% | 4,332 |
| Earnings coverage of net charge-offs (x) | 1.0843% | 4,471 |
| Efficiency ratio | 81.6576% | 2,153 |
| Assets per employee ($millions) | 4.5767% | 2,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1700% | 167 |
| Loan loss allowance to noncurrent loans | 98.3696% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 6.9425% | 738 |
| Noncurrent loans to loans | 5.2556% | 1,224 |
| Net loans and leases to total assets | 58.0335% | 4,618 |
| Net loans and leases to deposits | 64.9103% | 5,164 |
| Net loans and leases to core deposits | 66.0171% | 5,515 |
| Total domestic deposits to total assets | 89.4057% | 1,299 |
| Equity capital to assets | 10.0889% | 4,033 |
| Core capital (leverage) ratio | 10.0997% | 3,148 |
| Tier 1 risk-based capital ratio | 14.5460% | 3,757 |
| Total risk-based capital ratio | 15.8347% | 3,708 |
| Memoranda: | ||
| Average total assets | $72,930,670 | 5,755 |
| Average earning assets | $66,275,670 | 5,746 |
| Average equity | $6,759,670 | 6,001 |
| Average total loans | $44,506,000 | 5,591 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6026% | 4,937 |
| Cost of funding earning assets | 0.8156% | 5,495 |
| Net interest margin | 3.7869% | 3,671 |
| Noninterest income to average assets | 0.5009% | 3,879 |
| Noninterest expense to average assets | 3.1490% | 3,071 |
| Loan and lease loss provision to assets | 0.3996% | 2,197 |
| Net operating income to assets | 0.4156% | 4,878 |
| Return on assets (ROA) | 0.4156% | 4,971 |
| Pretax return on assets | 0.4156% | 5,296 |
| Return on Equity (ROE) | 4.6731% | 4,569 |
| Retained earnings to average equity (ytd only) | 4.6731% | 3,393 |
| Net charge-offs to loans | 1.2152% | 1,143 |
| Credit loss provision to net charge-offs | 53.9568% | 3,670 |
| Earnings coverage of net charge-offs (x) | 1.1007% | 3,840 |
| Efficiency ratio | 79.4355% | 2,629 |
| Assets per employee ($millions) | 4.6667% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9439% | 204 |
| Loan loss allowance to noncurrent loans | 52.8370% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 8.3424% | 551 |
| Noncurrent loans to loans | 9.3569% | 458 |
| Net loans and leases to total assets | 56.8310% | 4,840 |
| Net loans and leases to deposits | 62.7267% | 5,419 |
| Net loans and leases to core deposits | 65.5179% | 5,561 |
| Total domestic deposits to total assets | 90.6009% | 798 |
| Equity capital to assets | 8.9611% | 5,264 |
| Core capital (leverage) ratio | 9.6324% | 3,621 |
| Tier 1 risk-based capital ratio | 13.5707% | 4,379 |
| Total risk-based capital ratio | 14.8574% | 4,324 |
| Memoranda: | ||
| Average total assets | $75,071,000 | 5,725 |
| Average earning assets | $68,657,000 | 5,708 |
| Average equity | $6,676,500 | 6,033 |
| Average total loans | $45,753,000 | 5,573 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1330% | 3,943 |
| Cost of funding earning assets | 1.0986% | 5,140 |
| Net interest margin | 4.0344% | 2,867 |
| Noninterest income to average assets | 0.5659% | 3,707 |
| Noninterest expense to average assets | 3.2059% | 3,069 |
| Loan and lease loss provision to assets | 3.5783% | 211 |
| Net operating income to assets | -2.5340% | 7,188 |
| Return on assets (ROA) | -2.5340% | 7,204 |
| Pretax return on assets | -2.5340% | 7,176 |
| Return on Equity (ROE) | -27.1529% | 7,179 |
| Retained earnings to average equity (ytd only) | -27.1529% | 7,166 |
| Net charge-offs to loans | 3.7723% | 354 |
| Credit loss provision to net charge-offs | 140.1142% | 2,697 |
| Earnings coverage of net charge-offs (x) | 0.4089% | 5,700 |
| Efficiency ratio | 75.4287% | 3,128 |
| Assets per employee ($millions) | 4.7172% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8458% | 213 |
| Loan loss allowance to noncurrent loans | 56.0049% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 8.5472% | 549 |
| Noncurrent loans to loans | 8.6525% | 555 |
| Net loans and leases to total assets | 59.0845% | 4,825 |
| Net loans and leases to deposits | 65.1302% | 5,504 |
| Net loans and leases to core deposits | 67.9787% | 5,662 |
| Total domestic deposits to total assets | 90.7175% | 738 |
| Equity capital to assets | 8.8268% | 5,396 |
| Core capital (leverage) ratio | 9.2401% | 4,108 |
| Tier 1 risk-based capital ratio | 12.4577% | 5,064 |
| Total risk-based capital ratio | 13.7413% | 5,016 |
| Memoranda: | ||
| Average total assets | $75,454,600 | 5,730 |
| Average earning assets | $68,907,600 | 5,702 |
| Average equity | $7,041,600 | 6,020 |
| Average total loans | $51,083,000 | 5,442 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2013% | 3,824 |
| Cost of funding earning assets | 1.1563% | 5,107 |
| Net interest margin | 4.0450% | 2,883 |
| Noninterest income to average assets | 0.1944% | 6,494 |
| Noninterest expense to average assets | 3.1526% | 3,099 |
| Loan and lease loss provision to assets | 3.1809% | 261 |
| Net operating income to assets | -2.4422% | 7,336 |
| Return on assets (ROA) | -2.4422% | 7,349 |
| Pretax return on assets | -2.4422% | 7,307 |
| Return on Equity (ROE) | -25.8197% | 7,327 |
| Retained earnings to average equity (ytd only) | -25.8197% | 7,318 |
| Net charge-offs to loans | 4.4906% | 226 |
| Credit loss provision to net charge-offs | 102.5057% | 4,199 |
| Earnings coverage of net charge-offs (x) | 0.2380% | 5,774 |
| Efficiency ratio | 81.0173% | 2,205 |
| Assets per employee ($millions) | 4.5569% | 2,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1689% | 719 |
| Loan loss allowance to noncurrent loans | 39.3067% | 5,689 |
| Noncurrent assets plus other real estate owned to assets | 8.7831% | 529 |
| Noncurrent loans to loans | 8.0621% | 639 |
| Net loans and leases to total assets | 60.8233% | 4,755 |
| Net loans and leases to deposits | 67.8250% | 5,443 |
| Net loans and leases to core deposits | 70.7350% | 5,675 |
| Total domestic deposits to total assets | 89.6769% | 1,029 |
| Equity capital to assets | 9.8778% | 4,320 |
| Core capital (leverage) ratio | 9.9003% | 3,355 |
| Tier 1 risk-based capital ratio | 13.2154% | 4,411 |
| Total risk-based capital ratio | 14.4826% | 4,373 |
| Memoranda: | ||
| Average total assets | $75,449,500 | 5,793 |
| Average earning assets | $68,955,750 | 5,773 |
| Average equity | $7,136,500 | 6,066 |
| Average total loans | $52,137,500 | 5,477 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2843% | 3,541 |
| Cost of funding earning assets | 1.1914% | 5,178 |
| Net interest margin | 4.0928% | 2,593 |
| Noninterest income to average assets | -0.1872% | 7,677 |
| Noninterest expense to average assets | 3.1480% | 3,104 |
| Loan and lease loss provision to assets | 4.4131% | 155 |
| Net operating income to assets | -3.9905% | 7,621 |
| Return on assets (ROA) | -3.9905% | 7,626 |
| Pretax return on assets | -3.9905% | 7,599 |
| Return on Equity (ROE) | -42.8448% | 7,553 |
| Retained earnings to average equity (ytd only) | -42.8448% | 7,546 |
| Net charge-offs to loans | 5.4713% | 170 |
| Credit loss provision to net charge-offs | 113.1687% | 3,598 |
| Earnings coverage of net charge-offs (x) | 0.1084% | 5,614 |
| Efficiency ratio | 88.1648% | 1,493 |
| Assets per employee ($millions) | 4.4308% | 3,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2884% | 648 |
| Loan loss allowance to noncurrent loans | 31.4185% | 6,271 |
| Noncurrent assets plus other real estate owned to assets | 9.3079% | 462 |
| Noncurrent loans to loans | 10.4666% | 411 |
| Net loans and leases to total assets | 65.9852% | 3,834 |
| Net loans and leases to deposits | 73.4813% | 4,757 |
| Net loans and leases to core deposits | 76.7089% | 5,112 |
| Total domestic deposits to total assets | 89.7986% | 1,022 |
| Equity capital to assets | 9.7859% | 4,286 |
| Core capital (leverage) ratio | 10.0105% | 3,150 |
| Tier 1 risk-based capital ratio | 12.8939% | 4,529 |
| Total risk-based capital ratio | 14.1638% | 4,473 |
| Memoranda: | ||
| Average total assets | $74,777,000 | 5,845 |
| Average earning assets | $68,656,670 | 5,807 |
| Average equity | $6,964,670 | 6,152 |
| Average total loans | $53,296,670 | 5,456 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3400% | 3,346 |
| Cost of funding earning assets | 1.2544% | 5,090 |
| Net interest margin | 4.0856% | 2,505 |
| Noninterest income to average assets | -0.3221% | 7,832 |
| Noninterest expense to average assets | 3.4522% | 2,104 |
| Loan and lease loss provision to assets | 4.8320% | 166 |
| Net operating income to assets | -4.8642% | 7,777 |
| Return on assets (ROA) | -4.8642% | 7,784 |
| Pretax return on assets | -4.8642% | 7,756 |
| Return on Equity (ROE) | -53.5976% | 7,724 |
| Retained earnings to average equity (ytd only) | -53.5976% | 7,714 |
| Net charge-offs to loans | 5.9208% | 182 |
| Credit loss provision to net charge-offs | 112.0797% | 3,092 |
| Earnings coverage of net charge-offs (x) | -0.0075% | 5,030 |
| Efficiency ratio | 100.9419% | 810 |
| Assets per employee ($millions) | 4.3797% | 3,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0218% | 806 |
| Loan loss allowance to noncurrent loans | 33.5578% | 6,161 |
| Noncurrent assets plus other real estate owned to assets | 8.6119% | 542 |
| Noncurrent loans to loans | 9.0048% | 536 |
| Net loans and leases to total assets | 68.7503% | 3,217 |
| Net loans and leases to deposits | 76.1171% | 4,389 |
| Net loans and leases to core deposits | 77.6423% | 5,068 |
| Total domestic deposits to total assets | 90.3217% | 817 |
| Equity capital to assets | 9.1921% | 4,998 |
| Core capital (leverage) ratio | 9.4640% | 3,827 |
| Tier 1 risk-based capital ratio | 12.1160% | 5,073 |
| Total risk-based capital ratio | 13.3837% | 5,019 |
| Memoranda: | ||
| Average total assets | $74,504,000 | 5,920 |
| Average earning assets | $68,240,000 | 5,896 |
| Average equity | $6,761,500 | 6,269 |
| Average total loans | $54,249,000 | 5,483 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9028% | 2,219 |
| Cost of funding earning assets | 1.6586% | 4,744 |
| Net interest margin | 4.2442% | 1,918 |
| Noninterest income to average assets | -0.0398% | 7,760 |
| Noninterest expense to average assets | 3.1397% | 3,586 |
| Loan and lease loss provision to assets | 2.3234% | 875 |
| Net operating income to assets | -1.6115% | 6,908 |
| Return on assets (ROA) | -1.4748% | 6,853 |
| Pretax return on assets | -1.4748% | 6,687 |
| Return on Equity (ROE) | -17.3950% | 7,052 |
| Retained earnings to average equity (ytd only) | -17.3950% | 7,007 |
| Net charge-offs to loans | 2.4030% | 950 |
| Credit loss provision to net charge-offs | 128.2579% | 4,020 |
| Earnings coverage of net charge-offs (x) | 0.3930% | 5,724 |
| Efficiency ratio | 81.5161% | 2,668 |
| Assets per employee ($millions) | 3.9238% | 3,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6887% | 1,022 |
| Loan loss allowance to noncurrent loans | 110.6352% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 3.8670% | 1,719 |
| Noncurrent loans to loans | 2.4302% | 3,122 |
| Net loans and leases to total assets | 72.7228% | 2,573 |
| Net loans and leases to deposits | 80.2810% | 3,939 |
| Net loans and leases to core deposits | 88.2927% | 5,297 |
| Total domestic deposits to total assets | 90.5852% | 706 |
| Equity capital to assets | 8.9587% | 5,209 |
| Core capital (leverage) ratio | 8.8976% | 4,590 |
| Tier 1 risk-based capital ratio | 11.7019% | 5,195 |
| Total risk-based capital ratio | 12.9678% | 5,141 |
| Memoranda: | ||
| Average total assets | $80,484,600 | 5,713 |
| Average earning assets | $73,795,600 | 5,689 |
| Average equity | $6,823,800 | 6,327 |
| Average total loans | $60,674,000 | 5,220 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8650% | 2,608 |
| Cost of funding earning assets | 1.7001% | 4,901 |
| Net interest margin | 4.1650% | 2,167 |
| Noninterest income to average assets | -0.2424% | 7,994 |
| Noninterest expense to average assets | 2.9767% | 4,138 |
| Loan and lease loss provision to assets | 1.0085% | 1,905 |
| Net operating income to assets | -0.4099% | 6,331 |
| Return on assets (ROA) | -0.2310% | 6,121 |
| Pretax return on assets | -0.2310% | 6,023 |
| Return on Equity (ROE) | -2.7599% | 6,207 |
| Retained earnings to average equity (ytd only) | -2.7599% | 5,888 |
| Net charge-offs to loans | 0.6827% | 2,648 |
| Credit loss provision to net charge-offs | 195.5836% | 2,303 |
| Earnings coverage of net charge-offs (x) | 1.1609% | 4,904 |
| Efficiency ratio | 83.2575% | 2,399 |
| Assets per employee ($millions) | 4.0902% | 3,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3570% | 1,226 |
| Loan loss allowance to noncurrent loans | 94.2334% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 3.6331% | 1,812 |
| Noncurrent loans to loans | 2.5012% | 3,011 |
| Net loans and leases to total assets | 70.3413% | 3,429 |
| Net loans and leases to deposits | 80.7607% | 4,244 |
| Net loans and leases to core deposits | 88.9669% | 5,529 |
| Total domestic deposits to total assets | 87.0984% | 2,130 |
| Equity capital to assets | 8.8749% | 5,667 |
| Core capital (leverage) ratio | 9.4022% | 4,044 |
| Tier 1 risk-based capital ratio | 12.0442% | 4,933 |
| Total risk-based capital ratio | 13.3058% | 4,861 |
| Memoranda: | ||
| Average total assets | $81,967,500 | 5,692 |
| Average earning assets | $75,133,000 | 5,665 |
| Average equity | $6,860,000 | 6,369 |
| Average total loans | $61,913,750 | 5,214 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9633% | 2,332 |
| Cost of funding earning assets | 1.8013% | 4,752 |
| Net interest margin | 4.1621% | 2,116 |
| Noninterest income to average assets | 0.4877% | 4,558 |
| Noninterest expense to average assets | 3.0455% | 3,892 |
| Loan and lease loss provision to assets | 1.1460% | 1,496 |
| Net operating income to assets | 0.1048% | 5,549 |
| Return on assets (ROA) | 0.1048% | 5,649 |
| Pretax return on assets | 0.1048% | 5,663 |
| Return on Equity (ROE) | 1.2785% | 5,545 |
| Retained earnings to average equity (ytd only) | 1.2785% | 4,630 |
| Net charge-offs to loans | 0.6327% | 2,455 |
| Credit loss provision to net charge-offs | 236.1809% | 1,967 |
| Earnings coverage of net charge-offs (x) | 2.5779% | 3,779 |
| Efficiency ratio | 70.8854% | 4,609 |
| Assets per employee ($millions) | 3.9524% | 3,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2744% | 1,136 |
| Loan loss allowance to noncurrent loans | 190.3226% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 3.6029% | 1,718 |
| Noncurrent loans to loans | 1.1950% | 4,826 |
| Net loans and leases to total assets | 73.7615% | 2,770 |
| Net loans and leases to deposits | 84.5029% | 3,794 |
| Net loans and leases to core deposits | 95.6229% | 4,944 |
| Total domestic deposits to total assets | 87.2887% | 2,103 |
| Equity capital to assets | 8.5366% | 5,994 |
| Core capital (leverage) ratio | 8.8941% | 4,794 |
| Tier 1 risk-based capital ratio | 11.2694% | 5,619 |
| Total risk-based capital ratio | 12.5307% | 5,518 |
| Memoranda: | ||
| Average total assets | $82,022,000 | 5,731 |
| Average earning assets | $75,058,670 | 5,710 |
| Average equity | $6,726,670 | 6,457 |
| Average total loans | $62,908,000 | 5,216 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0411% | 2,194 |
| Cost of funding earning assets | 2.0137% | 4,065 |
| Net interest margin | 4.0274% | 2,546 |
| Noninterest income to average assets | 0.4024% | 5,192 |
| Noninterest expense to average assets | 2.9745% | 3,876 |
| Loan and lease loss provision to assets | 0.5748% | 2,187 |
| Net operating income to assets | 0.5317% | 4,289 |
| Return on assets (ROA) | 0.5317% | 4,477 |
| Pretax return on assets | 0.5317% | 4,972 |
| Return on Equity (ROE) | 6.6111% | 3,775 |
| Retained earnings to average equity (ytd only) | 6.6111% | 2,374 |
| Net charge-offs to loans | 0.0248% | 5,198 |
| Credit loss provision to net charge-offs | 3,000.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 57.7500% | 661 |
| Efficiency ratio | 72.8873% | 4,025 |
| Assets per employee ($millions) | 4.0808% | 3,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9065% | 1,606 |
| Loan loss allowance to noncurrent loans | 113.9336% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 4.1684% | 1,211 |
| Noncurrent loans to loans | 1.6734% | 3,752 |
| Net loans and leases to total assets | 75.7765% | 2,325 |
| Net loans and leases to deposits | 86.5013% | 3,550 |
| Net loans and leases to core deposits | 99.6680% | 4,573 |
| Total domestic deposits to total assets | 87.6015% | 1,923 |
| Equity capital to assets | 8.3820% | 6,267 |
| Core capital (leverage) ratio | 8.5568% | 5,415 |
| Tier 1 risk-based capital ratio | 10.9321% | 5,960 |
| Total risk-based capital ratio | 12.1891% | 5,862 |
| Memoranda: | ||
| Average total assets | $83,509,000 | 5,687 |
| Average earning assets | $76,277,000 | 5,683 |
| Average equity | $6,716,000 | 6,512 |
| Average total loans | $64,530,000 | 5,179 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6657% | 2,176 |
| Cost of funding earning assets | 2.4424% | 4,516 |
| Net interest margin | 4.2233% | 2,216 |
| Noninterest income to average assets | 0.4119% | 5,376 |
| Noninterest expense to average assets | 2.6966% | 5,282 |
| Loan and lease loss provision to assets | 1.0579% | 1,376 |
| Net operating income to assets | 0.5729% | 4,427 |
| Return on assets (ROA) | 0.1508% | 5,807 |
| Pretax return on assets | 0.1508% | 5,841 |
| Return on Equity (ROE) | 2.0310% | 5,613 |
| Retained earnings to average equity (ytd only) | -3.1980% | 6,152 |
| Net charge-offs to loans | 1.0820% | 1,124 |
| Credit loss provision to net charge-offs | 129.4766% | 4,112 |
| Earnings coverage of net charge-offs (x) | 1.9959% | 5,075 |
| Efficiency ratio | 62.3147% | 5,896 |
| Assets per employee ($millions) | 4.2702% | 3,003 |
| Cash dividends to net income (ytd only)* | 257.4627% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6451% | 2,080 |
| Loan loss allowance to noncurrent loans | 101.4953% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 4.0010% | 1,026 |
| Noncurrent loans to loans | 1.6209% | 3,338 |
| Net loans and leases to total assets | 76.0243% | 2,615 |
| Net loans and leases to deposits | 86.1444% | 4,102 |
| Net loans and leases to core deposits | 96.5400% | 5,203 |
| Total domestic deposits to total assets | 88.2522% | 1,360 |
| Equity capital to assets | 7.7175% | 7,184 |
| Core capital (leverage) ratio | 8.1531% | 6,248 |
| Tier 1 risk-based capital ratio | 10.3872% | 6,326 |
| Total risk-based capital ratio | 11.6418% | 6,197 |
| Memoranda: | ||
| Average total assets | $88,853,400 | 5,394 |
| Average earning assets | $82,376,800 | 5,356 |
| Average equity | $6,597,800 | 6,606 |
| Average total loans | $67,100,400 | 4,973 |