Home > Citizens National Bank > Performance and Condition Ratios
Citizens National Bank, Performance and Condition Ratios
| 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 | 5.7859% | 188 |
| Cost of funding earning assets | 0.9012% | 589 |
| Net interest margin | 4.8848% | 289 |
| Noninterest income to average assets | 0.2131% | 4,731 |
| Noninterest expense to average assets | 19.7900% | 38 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -12.0098% | 5,604 |
| Return on assets (ROA) | -11.8961% | 5,604 |
| Pretax return on assets | -14.8563% | 5,605 |
| Return on Equity (ROE) | -92.8670% | 5,601 |
| Retained earnings to average equity (ytd only) | -92.8670% | 5,600 |
| Net charge-offs to loans | -0.0271% | 4,697 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 413.0148% | 8 |
| Assets per employee ($millions) | 3.3167% | 4,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5314% | 1,344 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5407% | 2,723 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 86.0784% | 253 |
| Net loans and leases to deposits | 97.8745% | 870 |
| Net loans and leases to core deposits | 111.8354% | 900 |
| Total domestic deposits to total assets | 87.9477% | 1,647 |
| Equity capital to assets | 11.5055% | 2,130 |
| Core capital (leverage) ratio | 9.9041% | 3,637 |
| Tier 1 risk-based capital ratio | 11.5219% | 4,849 |
| Total risk-based capital ratio | 12.7749% | 4,743 |
| Memoranda: | ||
| Average total assets | $50,672,000 | 5,098 |
| Average earning assets | $47,494,500 | 5,073 |
| Average equity | $6,491,000 | 4,984 |
| Average total loans | $44,302,500 | 4,585 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7233% | 189 |
| Cost of funding earning assets | 0.7768% | 708 |
| Net interest margin | 4.9465% | 259 |
| Noninterest income to average assets | 0.1259% | 5,315 |
| Noninterest expense to average assets | 5.2957% | 186 |
| Loan and lease loss provision to assets | 0.0460% | 3,321 |
| Net operating income to assets | -1.1790% | 5,608 |
| Return on assets (ROA) | -1.1790% | 5,606 |
| Pretax return on assets | -0.5835% | 5,563 |
| Return on Equity (ROE) | -7.6170% | 5,573 |
| Retained earnings to average equity (ytd only) | -7.6170% | 5,496 |
| Net charge-offs to loans | 0.0406% | 2,975 |
| Credit loss provision to net charge-offs | 135.2941% | 1,956 |
| Earnings coverage of net charge-offs (x) | -15.8235% | 4,098 |
| Efficiency ratio | 111.2978% | 97 |
| Assets per employee ($millions) | 3.4396% | 4,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4696% | 1,512 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5214% | 2,822 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 86.1573% | 246 |
| Net loans and leases to deposits | 100.6202% | 684 |
| Net loans and leases to core deposits | 114.7711% | 765 |
| Total domestic deposits to total assets | 85.6262% | 2,603 |
| Equity capital to assets | 14.0675% | 888 |
| Core capital (leverage) ratio | 13.8781% | 863 |
| Tier 1 risk-based capital ratio | 15.0917% | 2,807 |
| Total risk-based capital ratio | 16.3459% | 2,745 |
| Memoranda: | ||
| Average total assets | $50,040,600 | 5,157 |
| Average earning assets | $46,861,000 | 5,128 |
| Average equity | $7,745,800 | 4,821 |
| Average total loans | $41,867,200 | 4,671 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7083% | 189 |
| Cost of funding earning assets | 0.7573% | 732 |
| Net interest margin | 4.9510% | 250 |
| Noninterest income to average assets | 0.2148% | 4,934 |
| Noninterest expense to average assets | 4.6912% | 272 |
| Loan and lease loss provision to assets | 0.0134% | 3,881 |
| Net operating income to assets | 0.0940% | 5,451 |
| Return on assets (ROA) | 0.0940% | 5,463 |
| Pretax return on assets | 0.1450% | 5,429 |
| Return on Equity (ROE) | 0.5932% | 5,473 |
| Retained earnings to average equity (ytd only) | 0.5932% | 5,090 |
| Net charge-offs to loans | 0.0552% | 2,344 |
| Credit loss provision to net charge-offs | 29.4118% | 3,082 |
| Earnings coverage of net charge-offs (x) | 3.4698% | 3,337 |
| Efficiency ratio | 96.7331% | 233 |
| Assets per employee ($millions) | 3.3339% | 4,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4904% | 1,569 |
| Loan loss allowance to noncurrent loans | 398.1481% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.6579% | 2,534 |
| Noncurrent loans to loans | 0.3743% | 3,613 |
| Net loans and leases to total assets | 85.2467% | 317 |
| Net loans and leases to deposits | 101.7009% | 637 |
| Net loans and leases to core deposits | 117.6612% | 673 |
| Total domestic deposits to total assets | 83.8209% | 3,185 |
| Equity capital to assets | 15.7972% | 579 |
| Core capital (leverage) ratio | 15.2210% | 618 |
| Tier 1 risk-based capital ratio | 16.7016% | 2,252 |
| Total risk-based capital ratio | 17.9576% | 2,203 |
| Memoranda: | ||
| Average total assets | $49,652,250 | 5,222 |
| Average earning assets | $46,481,000 | 5,194 |
| Average equity | $7,867,750 | 4,851 |
| Average total loans | $41,055,250 | 4,740 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6411% | 199 |
| Cost of funding earning assets | 0.7418% | 717 |
| Net interest margin | 4.8993% | 261 |
| Noninterest income to average assets | 0.2180% | 4,947 |
| Noninterest expense to average assets | 4.6958% | 271 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0727% | 5,516 |
| Return on assets (ROA) | 0.0727% | 5,520 |
| Pretax return on assets | 0.1090% | 5,501 |
| Return on Equity (ROE) | 0.4582% | 5,527 |
| Retained earnings to average equity (ytd only) | 0.4582% | 4,982 |
| Net charge-offs to loans | 0.0943% | 1,674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1.4211% | 3,284 |
| Efficiency ratio | 97.7311% | 220 |
| Assets per employee ($millions) | 3.1863% | 5,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5408% | 1,430 |
| Loan loss allowance to noncurrent loans | 393.8272% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.6884% | 2,492 |
| Noncurrent loans to loans | 0.3912% | 3,618 |
| Net loans and leases to total assets | 85.2997% | 322 |
| Net loans and leases to deposits | 102.4656% | 582 |
| Net loans and leases to core deposits | 119.4976% | 575 |
| Total domestic deposits to total assets | 83.2472% | 3,485 |
| Equity capital to assets | 16.4871% | 477 |
| Core capital (leverage) ratio | 15.3808% | 565 |
| Tier 1 risk-based capital ratio | 17.4671% | 2,019 |
| Total risk-based capital ratio | 18.7246% | 1,972 |
| Memoranda: | ||
| Average total assets | $49,533,330 | 5,258 |
| Average earning assets | $46,374,000 | 5,228 |
| Average equity | $7,857,000 | 4,878 |
| Average total loans | $40,315,000 | 4,797 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4375% | 256 |
| Cost of funding earning assets | 0.7284% | 729 |
| Net interest margin | 4.7091% | 370 |
| Noninterest income to average assets | 0.1825% | 5,179 |
| Noninterest expense to average assets | 4.4522% | 346 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0952% | 5,527 |
| Return on assets (ROA) | 0.0952% | 5,529 |
| Pretax return on assets | 0.1429% | 5,487 |
| Return on Equity (ROE) | 0.6118% | 5,550 |
| Retained earnings to average equity (ytd only) | 0.6118% | 4,772 |
| Net charge-offs to loans | -0.0101% | 4,424 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8912% | 296 |
| Assets per employee ($millions) | 3.1237% | 5,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6387% | 1,280 |
| Loan loss allowance to noncurrent loans | 406.1728% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.6583% | 2,662 |
| Noncurrent loans to loans | 0.4035% | 3,649 |
| Net loans and leases to total assets | 79.0232% | 980 |
| Net loans and leases to deposits | 94.1590% | 1,091 |
| Net loans and leases to core deposits | 108.8316% | 930 |
| Total domestic deposits to total assets | 83.9252% | 3,504 |
| Equity capital to assets | 15.7286% | 537 |
| Core capital (leverage) ratio | 14.9683% | 610 |
| Tier 1 risk-based capital ratio | 17.7295% | 1,968 |
| Total risk-based capital ratio | 18.9877% | 1,917 |
| Memoranda: | ||
| Average total assets | $50,402,500 | 5,300 |
| Average earning assets | $47,228,000 | 5,268 |
| Average equity | $7,845,500 | 4,925 |
| Average total loans | $39,769,000 | 4,857 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3182% | 344 |
| Cost of funding earning assets | 0.7572% | 613 |
| Net interest margin | 4.5610% | 539 |
| Noninterest income to average assets | 0.1233% | 5,568 |
| Noninterest expense to average assets | 4.2532% | 466 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2105% | 5,402 |
| Return on assets (ROA) | 0.2750% | 5,344 |
| Pretax return on assets | 0.2750% | 5,397 |
| Return on Equity (ROE) | 2.0545% | 5,396 |
| Retained earnings to average equity (ytd only) | 2.0545% | 4,372 |
| Net charge-offs to loans | -0.0222% | 5,158 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2846% | 338 |
| Assets per employee ($millions) | 3.3355% | 4,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6681% | 1,214 |
| Loan loss allowance to noncurrent loans | 405.5556% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.6576% | 2,748 |
| Noncurrent loans to loans | 0.4113% | 3,673 |
| Net loans and leases to total assets | 77.4065% | 1,291 |
| Net loans and leases to deposits | 90.3319% | 1,647 |
| Net loans and leases to core deposits | 104.0153% | 1,282 |
| Total domestic deposits to total assets | 85.6912% | 2,732 |
| Equity capital to assets | 14.0630% | 871 |
| Core capital (leverage) ratio | 13.8434% | 857 |
| Tier 1 risk-based capital ratio | 17.5654% | 1,987 |
| Total risk-based capital ratio | 18.8204% | 1,942 |
| Memoranda: | ||
| Average total assets | $52,736,800 | 5,294 |
| Average earning assets | $50,186,200 | 5,244 |
| Average equity | $7,057,800 | 5,079 |
| Average total loans | $40,523,000 | 4,858 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3018% | 367 |
| Cost of funding earning assets | 0.7608% | 607 |
| Net interest margin | 4.5410% | 570 |
| Noninterest income to average assets | 0.1622% | 5,460 |
| Noninterest expense to average assets | 4.2136% | 479 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2696% | 5,350 |
| Return on assets (ROA) | 0.3545% | 5,234 |
| Pretax return on assets | 0.3545% | 5,371 |
| Return on Equity (ROE) | 2.6805% | 5,309 |
| Retained earnings to average equity (ytd only) | 2.6805% | 4,298 |
| Net charge-offs to loans | -0.0392% | 5,280 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9866% | 391 |
| Assets per employee ($millions) | 3.4655% | 4,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5890% | 1,512 |
| Loan loss allowance to noncurrent loans | 362.6374% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.7272% | 2,738 |
| Noncurrent loans to loans | 0.4382% | 3,715 |
| Net loans and leases to total assets | 78.6330% | 1,094 |
| Net loans and leases to deposits | 91.4491% | 1,570 |
| Net loans and leases to core deposits | 104.6574% | 1,298 |
| Total domestic deposits to total assets | 85.9855% | 2,357 |
| Equity capital to assets | 13.7836% | 1,123 |
| Core capital (leverage) ratio | 13.3887% | 1,038 |
| Tier 1 risk-based capital ratio | 16.6084% | 2,378 |
| Total risk-based capital ratio | 17.8612% | 2,322 |
| Memoranda: | ||
| Average total assets | $53,413,000 | 5,333 |
| Average earning assets | $50,824,500 | 5,281 |
| Average equity | $7,063,250 | 5,130 |
| Average total loans | $40,807,500 | 4,893 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3011% | 364 |
| Cost of funding earning assets | 0.7690% | 572 |
| Net interest margin | 4.5321% | 576 |
| Noninterest income to average assets | 0.1670% | 5,489 |
| Noninterest expense to average assets | 4.2383% | 473 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2375% | 5,453 |
| Return on assets (ROA) | 0.2375% | 5,518 |
| Pretax return on assets | 0.2375% | 5,576 |
| Return on Equity (ROE) | 1.8209% | 5,548 |
| Retained earnings to average equity (ytd only) | 1.8209% | 4,642 |
| Net charge-offs to loans | -0.0493% | 5,360 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6932% | 391 |
| Assets per employee ($millions) | 3.3088% | 5,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6156% | 1,484 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5610% | 3,338 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 75.6913% | 1,536 |
| Net loans and leases to deposits | 87.7691% | 2,024 |
| Net loans and leases to core deposits | 100.1174% | 1,624 |
| Total domestic deposits to total assets | 86.2391% | 2,304 |
| Equity capital to assets | 13.4813% | 1,247 |
| Core capital (leverage) ratio | 13.1358% | 1,104 |
| Tier 1 risk-based capital ratio | 16.9450% | 2,236 |
| Total risk-based capital ratio | 18.1988% | 2,197 |
| Memoranda: | ||
| Average total assets | $53,890,000 | 5,376 |
| Average earning assets | $51,234,670 | 5,332 |
| Average equity | $7,029,330 | 5,188 |
| Average total loans | $40,565,000 | 4,952 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2519% | 385 |
| Cost of funding earning assets | 0.7723% | 572 |
| Net interest margin | 4.4795% | 632 |
| Noninterest income to average assets | 0.1324% | 5,679 |
| Noninterest expense to average assets | 4.0909% | 555 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3090% | 5,274 |
| Return on assets (ROA) | 0.3090% | 5,359 |
| Pretax return on assets | 0.3090% | 5,492 |
| Return on Equity (ROE) | 2.4084% | 5,400 |
| Retained earnings to average equity (ytd only) | 2.4084% | 4,292 |
| Net charge-offs to loans | -0.0988% | 5,629 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9766% | 501 |
| Assets per employee ($millions) | 3.3627% | 5,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6198% | 1,551 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5520% | 3,409 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 74.2802% | 1,688 |
| Net loans and leases to deposits | 85.7011% | 2,089 |
| Net loans and leases to core deposits | 98.0327% | 1,633 |
| Total domestic deposits to total assets | 86.6736% | 2,372 |
| Equity capital to assets | 13.0662% | 1,381 |
| Core capital (leverage) ratio | 12.7879% | 1,242 |
| Tier 1 risk-based capital ratio | 17.1080% | 2,248 |
| Total risk-based capital ratio | 18.3632% | 2,215 |
| Memoranda: | ||
| Average total assets | $54,365,000 | 5,412 |
| Average earning assets | $51,791,000 | 5,367 |
| Average equity | $6,975,500 | 5,236 |
| Average total loans | $40,483,000 | 4,994 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4160% | 311 |
| Cost of funding earning assets | 0.8321% | 419 |
| Net interest margin | 4.5839% | 564 |
| Noninterest income to average assets | 0.1809% | 5,506 |
| Noninterest expense to average assets | 4.1445% | 575 |
| Loan and lease loss provision to assets | 0.0561% | 3,187 |
| Net operating income to assets | 0.3256% | 5,284 |
| Return on assets (ROA) | 0.3763% | 5,207 |
| Pretax return on assets | 0.3763% | 5,368 |
| Return on Equity (ROE) | 3.0455% | 5,288 |
| Retained earnings to average equity (ytd only) | 3.0455% | 3,889 |
| Net charge-offs to loans | 0.0304% | 3,614 |
| Credit loss provision to net charge-offs | 238.4615% | 1,196 |
| Earnings coverage of net charge-offs (x) | 16.2308% | 2,149 |
| Efficiency ratio | 91.5667% | 596 |
| Assets per employee ($millions) | 3.4310% | 4,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6831% | 1,388 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7997% | 2,674 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 72.2530% | 2,006 |
| Net loans and leases to deposits | 82.8041% | 2,499 |
| Net loans and leases to core deposits | 94.3258% | 2,024 |
| Total domestic deposits to total assets | 87.2577% | 2,010 |
| Equity capital to assets | 12.5692% | 1,585 |
| Core capital (leverage) ratio | 12.5147% | 1,343 |
| Tier 1 risk-based capital ratio | 16.9851% | 2,291 |
| Total risk-based capital ratio | 18.2401% | 2,238 |
| Memoranda: | ||
| Average total assets | $55,278,600 | 5,426 |
| Average earning assets | $52,400,600 | 5,374 |
| Average equity | $6,829,800 | 5,274 |
| Average total loans | $42,733,400 | 4,910 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4758% | 276 |
| Cost of funding earning assets | 0.8440% | 391 |
| Net interest margin | 4.6318% | 516 |
| Noninterest income to average assets | 0.1685% | 5,638 |
| Noninterest expense to average assets | 4.1246% | 576 |
| Loan and lease loss provision to assets | 0.0746% | 2,685 |
| Net operating income to assets | 0.3564% | 5,298 |
| Return on assets (ROA) | 0.3804% | 5,313 |
| Pretax return on assets | 0.3804% | 5,504 |
| Return on Equity (ROE) | 3.0924% | 5,356 |
| Retained earnings to average equity (ytd only) | 3.0924% | 4,254 |
| Net charge-offs to loans | 0.0492% | 2,911 |
| Credit loss provision to net charge-offs | 193.7500% | 1,370 |
| Earnings coverage of net charge-offs (x) | 11.1889% | 2,521 |
| Efficiency ratio | 90.5391% | 667 |
| Assets per employee ($millions) | 3.4278% | 4,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6499% | 1,610 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8004% | 2,885 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 73.4725% | 1,826 |
| Net loans and leases to deposits | 84.2466% | 2,382 |
| Net loans and leases to core deposits | 95.4090% | 1,937 |
| Total domestic deposits to total assets | 87.2112% | 1,935 |
| Equity capital to assets | 12.5955% | 1,690 |
| Core capital (leverage) ratio | 12.4807% | 1,429 |
| Tier 1 risk-based capital ratio | 16.8889% | 2,415 |
| Total risk-based capital ratio | 18.1434% | 2,369 |
| Memoranda: | ||
| Average total assets | $55,374,250 | 5,492 |
| Average earning assets | $52,447,250 | 5,444 |
| Average equity | $6,812,250 | 5,344 |
| Average total loans | $43,331,000 | 4,933 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5778% | 237 |
| Cost of funding earning assets | 0.8599% | 364 |
| Net interest margin | 4.7179% | 429 |
| Noninterest income to average assets | 0.1620% | 5,735 |
| Noninterest expense to average assets | 4.1188% | 596 |
| Loan and lease loss provision to assets | 0.1116% | 1,971 |
| Net operating income to assets | 0.3960% | 5,149 |
| Return on assets (ROA) | 0.4320% | 5,133 |
| Pretax return on assets | 0.4320% | 5,394 |
| Return on Equity (ROE) | 3.5397% | 5,206 |
| Retained earnings to average equity (ytd only) | 3.5397% | 3,774 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0272% | 823 |
| Assets per employee ($millions) | 3.4591% | 4,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5740% | 1,997 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9937% | 2,542 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 78.1845% | 1,048 |
| Net loans and leases to deposits | 89.4530% | 1,664 |
| Net loans and leases to core deposits | 101.1123% | 1,396 |
| Total domestic deposits to total assets | 87.4029% | 1,964 |
| Equity capital to assets | 12.3261% | 1,786 |
| Core capital (leverage) ratio | 12.2766% | 1,498 |
| Tier 1 risk-based capital ratio | 15.6994% | 2,999 |
| Total risk-based capital ratio | 16.9525% | 2,949 |
| Memoranda: | ||
| Average total assets | $55,550,670 | 5,548 |
| Average earning assets | $52,565,330 | 5,498 |
| Average equity | $6,780,330 | 5,395 |
| Average total loans | $44,117,330 | 4,944 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4817% | 271 |
| Cost of funding earning assets | 0.8667% | 349 |
| Net interest margin | 4.6150% | 486 |
| Noninterest income to average assets | 0.1725% | 5,680 |
| Noninterest expense to average assets | 4.0537% | 647 |
| Loan and lease loss provision to assets | 0.1006% | 2,014 |
| Net operating income to assets | 0.3809% | 5,140 |
| Return on assets (ROA) | 0.4528% | 4,975 |
| Pretax return on assets | 0.4528% | 5,309 |
| Return on Equity (ROE) | 3.7281% | 5,098 |
| Retained earnings to average equity (ytd only) | 3.7281% | 3,775 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3819% | 899 |
| Assets per employee ($millions) | 3.4802% | 4,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5159% | 2,386 |
| Loan loss allowance to noncurrent loans | 592.1053% | 860 |
| Noncurrent assets plus other real estate owned to assets | 1.2140% | 2,206 |
| Noncurrent loans to loans | 0.2560% | 4,869 |
| Net loans and leases to total assets | 78.7529% | 831 |
| Net loans and leases to deposits | 89.9657% | 1,399 |
| Net loans and leases to core deposits | 101.5469% | 1,216 |
| Total domestic deposits to total assets | 87.5366% | 2,086 |
| Equity capital to assets | 12.2730% | 1,839 |
| Core capital (leverage) ratio | 12.1527% | 1,545 |
| Tier 1 risk-based capital ratio | 15.4766% | 3,157 |
| Total risk-based capital ratio | 16.7291% | 3,094 |
| Memoranda: | ||
| Average total assets | $55,653,000 | 5,599 |
| Average earning assets | $52,611,500 | 5,545 |
| Average equity | $6,759,500 | 5,448 |
| Average total loans | $44,194,000 | 4,978 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7694% | 207 |
| Cost of funding earning assets | 0.9545% | 280 |
| Net interest margin | 4.8149% | 423 |
| Noninterest income to average assets | 0.1687% | 5,846 |
| Noninterest expense to average assets | 4.1495% | 636 |
| Loan and lease loss provision to assets | 0.0907% | 2,651 |
| Net operating income to assets | 0.4590% | 4,971 |
| Return on assets (ROA) | 0.5262% | 4,789 |
| Pretax return on assets | 0.5262% | 5,180 |
| Return on Equity (ROE) | 4.4914% | 4,892 |
| Retained earnings to average equity (ytd only) | 4.4914% | 2,980 |
| Net charge-offs to loans | 0.4237% | 1,003 |
| Credit loss provision to net charge-offs | 26.3158% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1.5947% | 4,384 |
| Efficiency ratio | 88.3012% | 967 |
| Assets per employee ($millions) | 3.4764% | 4,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 2,440 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2135% | 2,351 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 77.6657% | 1,047 |
| Net loans and leases to deposits | 88.4593% | 1,679 |
| Net loans and leases to core deposits | 99.7806% | 1,404 |
| Total domestic deposits to total assets | 87.7982% | 1,872 |
| Equity capital to assets | 12.0184% | 2,007 |
| Core capital (leverage) ratio | 11.9895% | 1,625 |
| Tier 1 risk-based capital ratio | 15.5656% | 3,202 |
| Total risk-based capital ratio | 16.8187% | 3,127 |
| Memoranda: | ||
| Average total assets | $55,114,800 | 5,672 |
| Average earning assets | $51,859,400 | 5,624 |
| Average equity | $6,456,800 | 5,538 |
| Average total loans | $44,841,200 | 5,003 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7884% | 198 |
| Cost of funding earning assets | 0.9664% | 283 |
| Net interest margin | 4.8219% | 411 |
| Noninterest income to average assets | 0.1237% | 6,144 |
| Noninterest expense to average assets | 4.1584% | 640 |
| Loan and lease loss provision to assets | 0.1212% | 2,057 |
| Net operating income to assets | 0.3807% | 5,318 |
| Return on assets (ROA) | 0.4704% | 5,071 |
| Pretax return on assets | 0.4704% | 5,406 |
| Return on Equity (ROE) | 4.0417% | 5,153 |
| Retained earnings to average equity (ytd only) | 4.0417% | 3,775 |
| Net charge-offs to loans | 0.5619% | 674 |
| Credit loss provision to net charge-offs | 26.3158% | 3,504 |
| Earnings coverage of net charge-offs (x) | 1.0894% | 4,235 |
| Efficiency ratio | 89.2300% | 904 |
| Assets per employee ($millions) | 3.4773% | 4,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4289% | 3,037 |
| Loan loss allowance to noncurrent loans | 287.3913% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 2.8363% | 859 |
| Noncurrent loans to loans | 0.4972% | 4,432 |
| Net loans and leases to total assets | 81.9577% | 515 |
| Net loans and leases to deposits | 93.0590% | 1,123 |
| Net loans and leases to core deposits | 104.3098% | 1,089 |
| Total domestic deposits to total assets | 88.0707% | 1,724 |
| Equity capital to assets | 11.7514% | 2,261 |
| Core capital (leverage) ratio | 11.8017% | 1,829 |
| Tier 1 risk-based capital ratio | 15.3379% | 3,405 |
| Total risk-based capital ratio | 16.5905% | 3,336 |
| Memoranda: | ||
| Average total assets | $54,987,750 | 5,734 |
| Average earning assets | $51,734,750 | 5,688 |
| Average equity | $6,399,750 | 5,606 |
| Average total loans | $45,086,250 | 5,046 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7145% | 215 |
| Cost of funding earning assets | 0.9718% | 290 |
| Net interest margin | 4.7427% | 452 |
| Noninterest income to average assets | 0.2958% | 5,047 |
| Noninterest expense to average assets | 4.1919% | 605 |
| Loan and lease loss provision to assets | 0.1095% | 2,191 |
| Net operating income to assets | 0.4674% | 4,942 |
| Return on assets (ROA) | 0.4710% | 5,003 |
| Pretax return on assets | 0.4710% | 5,365 |
| Return on Equity (ROE) | 4.0606% | 5,114 |
| Retained earnings to average equity (ytd only) | 4.0606% | 3,586 |
| Net charge-offs to loans | 0.8502% | 442 |
| Credit loss provision to net charge-offs | 15.7895% | 3,246 |
| Earnings coverage of net charge-offs (x) | 0.8316% | 3,963 |
| Efficiency ratio | 87.9020% | 1,094 |
| Assets per employee ($millions) | 3.5142% | 4,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 3,367 |
| Loan loss allowance to noncurrent loans | 112.0629% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 2.9256% | 884 |
| Noncurrent loans to loans | 1.2465% | 2,733 |
| Net loans and leases to total assets | 80.4738% | 630 |
| Net loans and leases to deposits | 91.2552% | 1,242 |
| Net loans and leases to core deposits | 102.1008% | 1,129 |
| Total domestic deposits to total assets | 88.1854% | 1,800 |
| Equity capital to assets | 11.5532% | 2,373 |
| Core capital (leverage) ratio | 11.9322% | 1,698 |
| Tier 1 risk-based capital ratio | 15.0479% | 3,610 |
| Total risk-based capital ratio | 16.3008% | 3,554 |
| Memoranda: | ||
| Average total assets | $54,771,670 | 5,794 |
| Average earning assets | $51,658,330 | 5,742 |
| Average equity | $6,353,670 | 5,646 |
| Average total loans | $44,695,330 | 5,094 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7486% | 203 |
| Cost of funding earning assets | 0.9868% | 288 |
| Net interest margin | 4.7618% | 411 |
| Noninterest income to average assets | 0.1924% | 5,807 |
| Noninterest expense to average assets | 3.9153% | 843 |
| Loan and lease loss provision to assets | 0.1406% | 1,729 |
| Net operating income to assets | 0.6365% | 4,016 |
| Return on assets (ROA) | 0.6439% | 4,070 |
| Pretax return on assets | 0.6439% | 4,683 |
| Return on Equity (ROE) | 5.5392% | 4,264 |
| Retained earnings to average equity (ytd only) | 5.5392% | 2,769 |
| Net charge-offs to loans | 1.7234% | 172 |
| Credit loss provision to net charge-offs | 10.0000% | 2,606 |
| Earnings coverage of net charge-offs (x) | 0.5526% | 3,322 |
| Efficiency ratio | 83.4385% | 1,742 |
| Assets per employee ($millions) | 3.3664% | 5,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3926% | 3,645 |
| Loan loss allowance to noncurrent loans | 51.2195% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 3.1562% | 863 |
| Noncurrent loans to loans | 2.7190% | 1,240 |
| Net loans and leases to total assets | 82.8175% | 308 |
| Net loans and leases to deposits | 94.1633% | 776 |
| Net loans and leases to core deposits | 105.8994% | 762 |
| Total domestic deposits to total assets | 87.9509% | 2,258 |
| Equity capital to assets | 11.8356% | 1,990 |
| Core capital (leverage) ratio | 12.0040% | 1,652 |
| Tier 1 risk-based capital ratio | 15.3075% | 3,548 |
| Total risk-based capital ratio | 16.5596% | 3,498 |
| Memoranda: | ||
| Average total assets | $54,044,000 | 5,862 |
| Average earning assets | $51,073,500 | 5,814 |
| Average equity | $6,282,500 | 5,694 |
| Average total loans | $44,098,500 | 5,159 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4765% | 379 |
| Cost of funding earning assets | 1.2069% | 169 |
| Net interest margin | 4.2696% | 1,171 |
| Noninterest income to average assets | -0.1122% | 6,724 |
| Noninterest expense to average assets | 3.7648% | 1,193 |
| Loan and lease loss provision to assets | 0.8744% | 228 |
| Net operating income to assets | -0.7319% | 6,555 |
| Return on assets (ROA) | -0.5948% | 6,523 |
| Pretax return on assets | -0.5948% | 6,508 |
| Return on Equity (ROE) | -5.0030% | 6,487 |
| Retained earnings to average equity (ytd only) | -5.0030% | 6,372 |
| Net charge-offs to loans | 0.5211% | 1,269 |
| Credit loss provision to net charge-offs | 223.1818% | 1,022 |
| Earnings coverage of net charge-offs (x) | 0.3636% | 4,960 |
| Efficiency ratio | 96.3537% | 620 |
| Assets per employee ($millions) | 3.3891% | 5,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8646% | 1,873 |
| Loan loss allowance to noncurrent loans | 58.2545% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 3.4025% | 880 |
| Noncurrent loans to loans | 3.2007% | 1,049 |
| Net loans and leases to total assets | 77.7464% | 853 |
| Net loans and leases to deposits | 87.9813% | 1,469 |
| Net loans and leases to core deposits | 98.8951% | 1,240 |
| Total domestic deposits to total assets | 88.3670% | 1,966 |
| Equity capital to assets | 11.4154% | 2,228 |
| Core capital (leverage) ratio | 11.4515% | 1,996 |
| Tier 1 risk-based capital ratio | 15.7787% | 3,209 |
| Total risk-based capital ratio | 17.0375% | 3,162 |
| Memoranda: | ||
| Average total assets | $56,152,400 | 5,864 |
| Average earning assets | $52,862,600 | 5,808 |
| Average equity | $6,676,000 | 5,653 |
| Average total loans | $42,215,200 | 5,259 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4410% | 408 |
| Cost of funding earning assets | 1.2458% | 162 |
| Net interest margin | 4.1952% | 1,350 |
| Noninterest income to average assets | -0.0235% | 6,778 |
| Noninterest expense to average assets | 3.5855% | 1,427 |
| Loan and lease loss provision to assets | 0.3720% | 841 |
| Net operating income to assets | -0.0330% | 6,325 |
| Return on assets (ROA) | 0.1483% | 6,110 |
| Pretax return on assets | 0.1483% | 6,142 |
| Return on Equity (ROE) | 1.2357% | 6,134 |
| Retained earnings to average equity (ytd only) | 1.2357% | 5,485 |
| Net charge-offs to loans | 0.2570% | 2,270 |
| Credit loss provision to net charge-offs | 195.0617% | 1,241 |
| Earnings coverage of net charge-offs (x) | 1.7778% | 4,244 |
| Efficiency ratio | 91.3617% | 892 |
| Assets per employee ($millions) | 3.5444% | 4,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3860% | 3,956 |
| Loan loss allowance to noncurrent loans | 30.7965% | 5,955 |
| Noncurrent assets plus other real estate owned to assets | 4.1315% | 752 |
| Noncurrent loans to loans | 4.5005% | 719 |
| Net loans and leases to total assets | 76.1545% | 985 |
| Net loans and leases to deposits | 86.4867% | 1,564 |
| Net loans and leases to core deposits | 97.5383% | 1,273 |
| Total domestic deposits to total assets | 88.0535% | 2,099 |
| Equity capital to assets | 11.7085% | 2,119 |
| Core capital (leverage) ratio | 11.9093% | 1,727 |
| Tier 1 risk-based capital ratio | 16.2235% | 3,074 |
| Total risk-based capital ratio | 17.4757% | 3,031 |
| Memoranda: | ||
| Average total assets | $56,634,250 | 5,914 |
| Average earning assets | $53,297,750 | 5,849 |
| Average equity | $6,797,500 | 5,694 |
| Average total loans | $42,029,250 | 5,311 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4017% | 445 |
| Cost of funding earning assets | 1.2949% | 144 |
| Net interest margin | 4.1068% | 1,518 |
| Noninterest income to average assets | 0.2049% | 5,979 |
| Noninterest expense to average assets | 3.5224% | 1,555 |
| Loan and lease loss provision to assets | 0.5335% | 498 |
| Net operating income to assets | 0.0035% | 6,300 |
| Return on assets (ROA) | 0.2756% | 5,825 |
| Pretax return on assets | 0.2756% | 5,942 |
| Return on Equity (ROE) | 2.2774% | 5,864 |
| Retained earnings to average equity (ytd only) | 2.2774% | 4,830 |
| Net charge-offs to loans | 0.3909% | 1,657 |
| Credit loss provision to net charge-offs | 186.4198% | 1,279 |
| Earnings coverage of net charge-offs (x) | 1.8765% | 3,899 |
| Efficiency ratio | 86.7711% | 1,339 |
| Assets per employee ($millions) | 3.3655% | 5,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 3,888 |
| Loan loss allowance to noncurrent loans | 66.8151% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 2.3648% | 1,813 |
| Noncurrent loans to loans | 2.1426% | 2,236 |
| Net loans and leases to total assets | 72.2074% | 1,542 |
| Net loans and leases to deposits | 82.0415% | 2,057 |
| Net loans and leases to core deposits | 92.9425% | 1,618 |
| Total domestic deposits to total assets | 88.0132% | 2,235 |
| Equity capital to assets | 11.7194% | 2,114 |
| Core capital (leverage) ratio | 11.8721% | 1,690 |
| Tier 1 risk-based capital ratio | 16.5982% | 2,890 |
| Total risk-based capital ratio | 17.8498% | 2,848 |
| Memoranda: | ||
| Average total assets | $56,608,670 | 5,953 |
| Average earning assets | $53,131,330 | 5,890 |
| Average equity | $6,850,000 | 5,724 |
| Average total loans | $41,440,670 | 5,361 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3202% | 494 |
| Cost of funding earning assets | 1.3094% | 148 |
| Net interest margin | 4.0109% | 1,744 |
| Noninterest income to average assets | 0.2131% | 5,956 |
| Noninterest expense to average assets | 3.4881% | 1,647 |
| Loan and lease loss provision to assets | 0.8809% | 227 |
| Net operating income to assets | -0.3694% | 6,615 |
| Return on assets (ROA) | -0.3694% | 6,647 |
| Pretax return on assets | -0.3694% | 6,622 |
| Return on Equity (ROE) | -3.0047% | 6,612 |
| Retained earnings to average equity (ytd only) | -3.0047% | 6,190 |
| Net charge-offs to loans | 0.6989% | 878 |
| Credit loss provision to net charge-offs | 172.2222% | 1,227 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 3,503 |
| Efficiency ratio | 87.2114% | 1,397 |
| Assets per employee ($millions) | 3.3859% | 5,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3792% | 4,338 |
| Loan loss allowance to noncurrent loans | 77.8075% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 2.2290% | 2,090 |
| Noncurrent loans to loans | 1.7726% | 2,907 |
| Net loans and leases to total assets | 72.2985% | 1,308 |
| Net loans and leases to deposits | 82.3668% | 1,779 |
| Net loans and leases to core deposits | 93.2361% | 1,401 |
| Total domestic deposits to total assets | 87.7762% | 2,475 |
| Equity capital to assets | 12.0083% | 2,038 |
| Core capital (leverage) ratio | 11.8925% | 1,625 |
| Tier 1 risk-based capital ratio | 15.8749% | 3,340 |
| Total risk-based capital ratio | 17.1259% | 3,302 |
| Memoranda: | ||
| Average total assets | $56,306,500 | 6,013 |
| Average earning assets | $53,155,500 | 5,937 |
| Average equity | $6,922,500 | 5,763 |
| Average total loans | $41,205,000 | 5,406 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7003% | 433 |
| Cost of funding earning assets | 1.5169% | 153 |
| Net interest margin | 4.1833% | 1,706 |
| Noninterest income to average assets | 0.1653% | 6,210 |
| Noninterest expense to average assets | 3.6223% | 1,559 |
| Loan and lease loss provision to assets | 0.1616% | 3,592 |
| Net operating income to assets | 0.3123% | 5,422 |
| Return on assets (ROA) | 0.4464% | 5,146 |
| Pretax return on assets | 0.4464% | 5,440 |
| Return on Equity (ROE) | 3.5412% | 5,335 |
| Retained earnings to average equity (ytd only) | 3.5412% | 3,727 |
| Net charge-offs to loans | 0.2661% | 3,347 |
| Credit loss provision to net charge-offs | 82.2430% | 3,755 |
| Earnings coverage of net charge-offs (x) | 2.4112% | 4,204 |
| Efficiency ratio | 88.4305% | 1,201 |
| Assets per employee ($millions) | 3.4408% | 5,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 4,535 |
| Loan loss allowance to noncurrent loans | 77.8267% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 2.2469% | 2,184 |
| Noncurrent loans to loans | 1.6935% | 3,081 |
| Net loans and leases to total assets | 72.0814% | 1,474 |
| Net loans and leases to deposits | 82.7177% | 1,907 |
| Net loans and leases to core deposits | 94.2455% | 1,446 |
| Total domestic deposits to total assets | 87.1415% | 2,750 |
| Equity capital to assets | 12.5933% | 1,641 |
| Core capital (leverage) ratio | 12.2027% | 1,449 |
| Tier 1 risk-based capital ratio | 16.4087% | 2,938 |
| Total risk-based capital ratio | 17.6602% | 2,900 |
| Memoranda: | ||
| Average total assets | $54,441,200 | 6,065 |
| Average earning assets | $51,155,400 | 6,004 |
| Average equity | $6,862,000 | 5,805 |
| Average total loans | $40,213,200 | 5,493 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7217% | 442 |
| Cost of funding earning assets | 1.5540% | 155 |
| Net interest margin | 4.1677% | 1,837 |
| Noninterest income to average assets | 0.1596% | 6,344 |
| Noninterest expense to average assets | 3.6545% | 1,447 |
| Loan and lease loss provision to assets | 0.1179% | 4,076 |
| Net operating income to assets | 0.2996% | 5,619 |
| Return on assets (ROA) | 0.4789% | 5,185 |
| Pretax return on assets | 0.4789% | 5,525 |
| Return on Equity (ROE) | 3.7987% | 5,372 |
| Retained earnings to average equity (ytd only) | 3.7987% | 4,220 |
| Net charge-offs to loans | 0.1923% | 3,579 |
| Credit loss provision to net charge-offs | 82.7586% | 3,537 |
| Earnings coverage of net charge-offs (x) | 2.9311% | 3,852 |
| Efficiency ratio | 89.7467% | 1,064 |
| Assets per employee ($millions) | 3.4492% | 5,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3443% | 4,609 |
| Loan loss allowance to noncurrent loans | 59.6239% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 2.9192% | 1,798 |
| Noncurrent loans to loans | 2.2546% | 2,549 |
| Net loans and leases to total assets | 71.6763% | 1,608 |
| Net loans and leases to deposits | 82.1243% | 2,102 |
| Net loans and leases to core deposits | 94.1249% | 1,575 |
| Total domestic deposits to total assets | 87.2778% | 2,508 |
| Equity capital to assets | 12.4848% | 1,904 |
| Core capital (leverage) ratio | 12.3050% | 1,492 |
| Tier 1 risk-based capital ratio | 16.4250% | 3,044 |
| Total risk-based capital ratio | 17.6767% | 3,008 |
| Memoranda: | ||
| Average total assets | $54,288,250 | 6,142 |
| Average earning assets | $50,962,750 | 6,089 |
| Average equity | $6,844,250 | 5,873 |
| Average total loans | $40,213,250 | 5,565 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7625% | 429 |
| Cost of funding earning assets | 1.5838% | 166 |
| Net interest margin | 4.1787% | 1,810 |
| Noninterest income to average assets | 0.1185% | 6,592 |
| Noninterest expense to average assets | 3.6971% | 1,379 |
| Loan and lease loss provision to assets | 0.1037% | 4,230 |
| Net operating income to assets | 0.2371% | 5,806 |
| Return on assets (ROA) | 0.3964% | 5,464 |
| Pretax return on assets | 0.3964% | 5,720 |
| Return on Equity (ROE) | 3.1337% | 5,637 |
| Retained earnings to average equity (ytd only) | 3.1337% | 4,541 |
| Net charge-offs to loans | 0.2882% | 2,879 |
| Credit loss provision to net charge-offs | 48.2759% | 4,077 |
| Earnings coverage of net charge-offs (x) | 1.5862% | 4,203 |
| Efficiency ratio | 91.5596% | 953 |
| Assets per employee ($millions) | 3.3953% | 5,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 5,000 |
| Loan loss allowance to noncurrent loans | 57.0957% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 3.0539% | 1,800 |
| Noncurrent loans to loans | 2.2365% | 2,687 |
| Net loans and leases to total assets | 73.8624% | 1,266 |
| Net loans and leases to deposits | 84.8129% | 1,741 |
| Net loans and leases to core deposits | 97.3979% | 1,313 |
| Total domestic deposits to total assets | 87.0886% | 2,725 |
| Equity capital to assets | 12.7126% | 1,676 |
| Core capital (leverage) ratio | 12.3883% | 1,402 |
| Tier 1 risk-based capital ratio | 16.3266% | 2,990 |
| Total risk-based capital ratio | 17.5776% | 2,972 |
| Memoranda: | ||
| Average total assets | $53,988,670 | 6,186 |
| Average earning assets | $50,637,330 | 6,131 |
| Average equity | $6,829,000 | 5,895 |
| Average total loans | $40,252,670 | 5,591 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7317% | 486 |
| Cost of funding earning assets | 1.5935% | 193 |
| Net interest margin | 4.1382% | 1,971 |
| Noninterest income to average assets | 0.2155% | 6,075 |
| Noninterest expense to average assets | 3.7012% | 1,374 |
| Loan and lease loss provision to assets | 0.0743% | 4,472 |
| Net operating income to assets | 0.3196% | 5,589 |
| Return on assets (ROA) | 0.3196% | 5,755 |
| Pretax return on assets | 0.3196% | 5,932 |
| Return on Equity (ROE) | 2.5330% | 5,894 |
| Retained earnings to average equity (ytd only) | 2.5330% | 4,992 |
| Net charge-offs to loans | -0.2896% | 7,056 |
| Credit loss provision to net charge-offs | -34.4828% | 5,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3811% | 1,061 |
| Assets per employee ($millions) | 3.4156% | 5,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4291% | 4,475 |
| Loan loss allowance to noncurrent loans | 48.3951% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 3.3944% | 1,696 |
| Noncurrent loans to loans | 2.9530% | 2,186 |
| Net loans and leases to total assets | 74.2118% | 1,030 |
| Net loans and leases to deposits | 85.0516% | 1,529 |
| Net loans and leases to core deposits | 97.4904% | 1,166 |
| Total domestic deposits to total assets | 87.2550% | 2,798 |
| Equity capital to assets | 12.5528% | 1,690 |
| Core capital (leverage) ratio | 12.5023% | 1,343 |
| Tier 1 risk-based capital ratio | 16.3144% | 3,009 |
| Total risk-based capital ratio | 17.5666% | 2,968 |
| Memoranda: | ||
| Average total assets | $53,821,000 | 6,237 |
| Average earning assets | $50,456,500 | 6,176 |
| Average equity | $6,790,500 | 5,935 |
| Average total loans | $40,057,000 | 5,639 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7694% | 679 |
| Cost of funding earning assets | 1.7128% | 307 |
| Net interest margin | 4.0566% | 2,610 |
| Noninterest income to average assets | 0.2312% | 5,883 |
| Noninterest expense to average assets | 3.6587% | 1,622 |
| Loan and lease loss provision to assets | 0.5304% | 1,972 |
| Net operating income to assets | -0.1477% | 6,203 |
| Return on assets (ROA) | 0.2293% | 5,636 |
| Pretax return on assets | 0.2293% | 5,716 |
| Return on Equity (ROE) | 1.7778% | 5,739 |
| Retained earnings to average equity (ytd only) | 1.7778% | 4,946 |
| Net charge-offs to loans | 0.9231% | 1,879 |
| Credit loss provision to net charge-offs | 79.3605% | 4,486 |
| Earnings coverage of net charge-offs (x) | 0.5727% | 5,400 |
| Efficiency ratio | 90.5288% | 1,148 |
| Assets per employee ($millions) | 3.3121% | 5,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4088% | 4,415 |
| Loan loss allowance to noncurrent loans | 56.5396% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 3.1193% | 1,913 |
| Noncurrent loans to loans | 2.4917% | 2,633 |
| Net loans and leases to total assets | 72.5020% | 1,559 |
| Net loans and leases to deposits | 83.2146% | 2,038 |
| Net loans and leases to core deposits | 94.9605% | 1,590 |
| Total domestic deposits to total assets | 87.1266% | 2,691 |
| Equity capital to assets | 12.6828% | 1,669 |
| Core capital (leverage) ratio | 12.7210% | 1,256 |
| Tier 1 risk-based capital ratio | 16.7360% | 2,721 |
| Total risk-based capital ratio | 17.9883% | 2,680 |
| Memoranda: | ||
| Average total assets | $51,467,000 | 6,320 |
| Average earning assets | $48,341,400 | 6,248 |
| Average equity | $6,637,400 | 5,976 |
| Average total loans | $37,266,200 | 5,821 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7688% | 743 |
| Cost of funding earning assets | 1.7342% | 346 |
| Net interest margin | 4.0345% | 2,760 |
| Noninterest income to average assets | 0.2297% | 5,975 |
| Noninterest expense to average assets | 3.6800% | 1,533 |
| Loan and lease loss provision to assets | 0.6577% | 1,478 |
| Net operating income to assets | -0.3132% | 6,510 |
| Return on assets (ROA) | 0.1644% | 5,918 |
| Pretax return on assets | 0.1644% | 5,968 |
| Return on Equity (ROE) | 1.2696% | 6,007 |
| Retained earnings to average equity (ytd only) | 1.2696% | 5,500 |
| Net charge-offs to loans | 0.4017% | 3,110 |
| Credit loss provision to net charge-offs | 227.0270% | 1,257 |
| Earnings coverage of net charge-offs (x) | 1.1892% | 4,734 |
| Efficiency ratio | 91.4397% | 1,078 |
| Assets per employee ($millions) | 3.2199% | 5,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0115% | 2,306 |
| Loan loss allowance to noncurrent loans | 62.0718% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 3.7035% | 1,690 |
| Noncurrent loans to loans | 3.2406% | 2,139 |
| Net loans and leases to total assets | 71.9579% | 1,713 |
| Net loans and leases to deposits | 83.0317% | 2,167 |
| Net loans and leases to core deposits | 96.4588% | 1,562 |
| Total domestic deposits to total assets | 86.6632% | 2,844 |
| Equity capital to assets | 13.0787% | 1,578 |
| Core capital (leverage) ratio | 12.8109% | 1,292 |
| Tier 1 risk-based capital ratio | 17.1899% | 2,569 |
| Total risk-based capital ratio | 18.4478% | 2,532 |
| Memoranda: | ||
| Average total assets | $51,085,500 | 6,389 |
| Average earning assets | $48,050,500 | 6,309 |
| Average equity | $6,616,500 | 6,023 |
| Average total loans | $36,840,250 | 5,882 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7064% | 864 |
| Cost of funding earning assets | 1.7549% | 375 |
| Net interest margin | 3.9516% | 3,082 |
| Noninterest income to average assets | 0.2238% | 6,072 |
| Noninterest expense to average assets | 3.6631% | 1,598 |
| Loan and lease loss provision to assets | 0.1688% | 4,244 |
| Net operating income to assets | 0.1139% | 5,978 |
| Return on assets (ROA) | 0.2513% | 5,681 |
| Pretax return on assets | 0.2513% | 5,806 |
| Return on Equity (ROE) | 1.9465% | 5,805 |
| Retained earnings to average equity (ytd only) | 1.9465% | 5,005 |
| Net charge-offs to loans | 0.3889% | 3,006 |
| Credit loss provision to net charge-offs | 60.5634% | 4,326 |
| Earnings coverage of net charge-offs (x) | 1.0141% | 4,532 |
| Efficiency ratio | 92.8358% | 1,047 |
| Assets per employee ($millions) | 3.2599% | 5,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6074% | 3,668 |
| Loan loss allowance to noncurrent loans | 35.8788% | 5,911 |
| Noncurrent assets plus other real estate owned to assets | 3.7425% | 1,739 |
| Noncurrent loans to loans | 4.4802% | 1,486 |
| Net loans and leases to total assets | 69.4754% | 2,329 |
| Net loans and leases to deposits | 80.0676% | 2,783 |
| Net loans and leases to core deposits | 94.1147% | 1,882 |
| Total domestic deposits to total assets | 86.7710% | 2,872 |
| Equity capital to assets | 12.9491% | 1,542 |
| Core capital (leverage) ratio | 12.7189% | 1,284 |
| Tier 1 risk-based capital ratio | 17.6537% | 2,287 |
| Total risk-based capital ratio | 18.9078% | 2,253 |
| Memoranda: | ||
| Average total assets | $50,941,000 | 6,450 |
| Average earning assets | $47,981,000 | 6,368 |
| Average equity | $6,576,000 | 6,062 |
| Average total loans | $36,509,330 | 5,953 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7037% | 874 |
| Cost of funding earning assets | 1.7719% | 417 |
| Net interest margin | 3.9319% | 2,991 |
| Noninterest income to average assets | 0.2305% | 6,071 |
| Noninterest expense to average assets | 3.7352% | 1,470 |
| Loan and lease loss provision to assets | 0.1828% | 3,786 |
| Net operating income to assets | 0.0159% | 6,318 |
| Return on assets (ROA) | 0.1748% | 5,918 |
| Pretax return on assets | 0.1748% | 5,996 |
| Return on Equity (ROE) | 1.3566% | 6,033 |
| Retained earnings to average equity (ytd only) | 1.3566% | 5,284 |
| Net charge-offs to loans | 0.7813% | 1,651 |
| Credit loss provision to net charge-offs | 32.3944% | 4,075 |
| Earnings coverage of net charge-offs (x) | 0.3521% | 4,349 |
| Efficiency ratio | 94.9495% | 985 |
| Assets per employee ($millions) | 3.2074% | 5,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5511% | 3,954 |
| Loan loss allowance to noncurrent loans | 31.0870% | 6,233 |
| Noncurrent assets plus other real estate owned to assets | 4.1739% | 1,580 |
| Noncurrent loans to loans | 4.9896% | 1,348 |
| Net loans and leases to total assets | 70.7438% | 1,973 |
| Net loans and leases to deposits | 81.3193% | 2,474 |
| Net loans and leases to core deposits | 93.2787% | 1,978 |
| Total domestic deposits to total assets | 86.9951% | 2,941 |
| Equity capital to assets | 12.6639% | 1,543 |
| Core capital (leverage) ratio | 12.8522% | 1,175 |
| Tier 1 risk-based capital ratio | 17.9043% | 2,145 |
| Total risk-based capital ratio | 19.1570% | 2,115 |
| Memoranda: | ||
| Average total assets | $50,332,500 | 6,523 |
| Average earning assets | $47,407,500 | 6,435 |
| Average equity | $6,487,000 | 6,098 |
| Average total loans | $36,349,500 | 6,013 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2422% | 519 |
| Cost of funding earning assets | 2.0202% | 566 |
| Net interest margin | 4.2220% | 2,087 |
| Noninterest income to average assets | 0.2979% | 5,662 |
| Noninterest expense to average assets | 3.9706% | 1,204 |
| Loan and lease loss provision to assets | 0.1896% | 5,336 |
| Net operating income to assets | 0.1083% | 5,569 |
| Return on assets (ROA) | 0.3146% | 5,054 |
| Pretax return on assets | 0.3146% | 5,191 |
| Return on Equity (ROE) | 2.3203% | 5,254 |
| Retained earnings to average equity (ytd only) | 2.3203% | 4,255 |
| Net charge-offs to loans | 0.4370% | 3,866 |
| Credit loss provision to net charge-offs | 57.9618% | 6,115 |
| Earnings coverage of net charge-offs (x) | 0.9108% | 5,202 |
| Efficiency ratio | 93.0210% | 1,120 |
| Assets per employee ($millions) | 3.2897% | 5,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7308% | 3,098 |
| Loan loss allowance to noncurrent loans | 45.2225% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 3.3255% | 2,129 |
| Noncurrent loans to loans | 3.8273% | 1,926 |
| Net loans and leases to total assets | 71.3371% | 2,229 |
| Net loans and leases to deposits | 82.3959% | 2,728 |
| Net loans and leases to core deposits | 95.1688% | 2,104 |
| Total domestic deposits to total assets | 86.5784% | 3,044 |
| Equity capital to assets | 13.1216% | 1,336 |
| Core capital (leverage) ratio | 13.2550% | 1,048 |
| Tier 1 risk-based capital ratio | 18.0660% | 1,979 |
| Total risk-based capital ratio | 19.3232% | 1,939 |
| Memoranda: | ||
| Average total assets | $48,002,600 | 6,602 |
| Average earning assets | $45,144,000 | 6,536 |
| Average equity | $6,507,800 | 6,198 |
| Average total loans | $35,927,200 | 6,116 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3442% | 466 |
| Cost of funding earning assets | 2.0612% | 608 |
| Net interest margin | 4.2830% | 1,902 |
| Noninterest income to average assets | 0.3077% | 5,691 |
| Noninterest expense to average assets | 3.9439% | 1,129 |
| Loan and lease loss provision to assets | 0.1119% | 5,910 |
| Net operating income to assets | 0.2797% | 5,241 |
| Return on assets (ROA) | 0.4923% | 4,549 |
| Pretax return on assets | 0.4923% | 4,952 |
| Return on Equity (ROE) | 3.6013% | 4,964 |
| Retained earnings to average equity (ytd only) | 3.6013% | 3,913 |
| Net charge-offs to loans | 0.4969% | 3,287 |
| Credit loss provision to net charge-offs | 29.8507% | 6,154 |
| Earnings coverage of net charge-offs (x) | 1.0448% | 5,016 |
| Efficiency ratio | 90.9677% | 1,212 |
| Assets per employee ($millions) | 3.2141% | 5,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6868% | 3,193 |
| Loan loss allowance to noncurrent loans | 92.2118% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 1.9207% | 3,584 |
| Noncurrent loans to loans | 1.8292% | 3,896 |
| Net loans and leases to total assets | 71.5693% | 2,347 |
| Net loans and leases to deposits | 83.7419% | 2,748 |
| Net loans and leases to core deposits | 95.8259% | 2,284 |
| Total domestic deposits to total assets | 85.4642% | 3,371 |
| Equity capital to assets | 14.1583% | 1,119 |
| Core capital (leverage) ratio | 13.5469% | 1,045 |
| Tier 1 risk-based capital ratio | 18.8082% | 1,793 |
| Total risk-based capital ratio | 20.0632% | 1,758 |
| Memoranda: | ||
| Average total assets | $47,666,750 | 6,691 |
| Average earning assets | $44,827,500 | 6,625 |
| Average equity | $6,516,000 | 6,272 |
| Average total loans | $35,953,500 | 6,206 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4518% | 372 |
| Cost of funding earning assets | 2.1118% | 633 |
| Net interest margin | 4.3399% | 1,635 |
| Noninterest income to average assets | 0.3159% | 5,630 |
| Noninterest expense to average assets | 3.9255% | 1,146 |
| Loan and lease loss provision to assets | 0.0421% | 6,553 |
| Net operating income to assets | 0.4338% | 4,607 |
| Return on assets (ROA) | 0.5181% | 4,406 |
| Pretax return on assets | 0.5181% | 4,851 |
| Return on Equity (ROE) | 3.8362% | 4,855 |
| Retained earnings to average equity (ytd only) | 3.8362% | 3,648 |
| Net charge-offs to loans | 0.4415% | 3,217 |
| Credit loss provision to net charge-offs | 12.5000% | 5,917 |
| Earnings coverage of net charge-offs (x) | 1.4125% | 4,425 |
| Efficiency ratio | 89.1866% | 1,399 |
| Assets per employee ($millions) | 3.1983% | 5,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7162% | 3,016 |
| Loan loss allowance to noncurrent loans | 84.7318% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 1.5154% | 4,182 |
| Noncurrent loans to loans | 2.0255% | 3,684 |
| Net loans and leases to total assets | 73.5320% | 2,018 |
| Net loans and leases to deposits | 85.7237% | 2,550 |
| Net loans and leases to core deposits | 98.1007% | 2,216 |
| Total domestic deposits to total assets | 85.7780% | 3,218 |
| Equity capital to assets | 13.8656% | 1,215 |
| Core capital (leverage) ratio | 13.6931% | 1,004 |
| Tier 1 risk-based capital ratio | 18.1854% | 1,902 |
| Total risk-based capital ratio | 19.4423% | 1,874 |
| Memoranda: | ||
| Average total assets | $47,485,000 | 6,747 |
| Average earning assets | $44,701,000 | 6,672 |
| Average equity | $6,412,670 | 6,335 |
| Average total loans | $36,239,000 | 6,234 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4110% | 424 |
| Cost of funding earning assets | 2.1850% | 618 |
| Net interest margin | 4.2260% | 1,945 |
| Noninterest income to average assets | 0.3218% | 5,574 |
| Noninterest expense to average assets | 3.9712% | 1,073 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3302% | 5,166 |
| Return on assets (ROA) | 0.3895% | 5,023 |
| Pretax return on assets | 0.3895% | 5,328 |
| Return on Equity (ROE) | 2.9239% | 5,367 |
| Retained earnings to average equity (ytd only) | 2.9239% | 4,376 |
| Net charge-offs to loans | 0.0659% | 4,748 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 2,213 |
| Efficiency ratio | 92.3228% | 1,256 |
| Assets per employee ($millions) | 3.3545% | 5,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8846% | 2,495 |
| Loan loss allowance to noncurrent loans | 115.2542% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 1.2563% | 4,662 |
| Noncurrent loans to loans | 1.6352% | 4,297 |
| Net loans and leases to total assets | 75.3806% | 1,668 |
| Net loans and leases to deposits | 87.5850% | 2,300 |
| Net loans and leases to core deposits | 97.6418% | 2,381 |
| Total domestic deposits to total assets | 86.0656% | 3,124 |
| Equity capital to assets | 13.4531% | 1,345 |
| Core capital (leverage) ratio | 13.4446% | 1,095 |
| Tier 1 risk-based capital ratio | 17.7497% | 2,006 |
| Total risk-based capital ratio | 19.0079% | 1,976 |
| Memoranda: | ||
| Average total assets | $47,240,000 | 6,831 |
| Average earning assets | $44,486,000 | 6,759 |
| Average equity | $6,293,000 | 6,420 |
| Average total loans | $36,412,000 | 6,287 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8510% | 346 |
| Cost of funding earning assets | 2.6062% | 766 |
| Net interest margin | 4.2448% | 1,915 |
| Noninterest income to average assets | 0.3391% | 5,666 |
| Noninterest expense to average assets | 4.2464% | 1,043 |
| Loan and lease loss provision to assets | 2.5789% | 759 |
| Net operating income to assets | -2.4969% | 7,270 |
| Return on assets (ROA) | -2.3521% | 7,219 |
| Pretax return on assets | -2.3521% | 7,087 |
| Return on Equity (ROE) | -15.3731% | 6,954 |
| Retained earnings to average equity (ytd only) | -15.3731% | 6,903 |
| Net charge-offs to loans | 2.7238% | 829 |
| Credit loss provision to net charge-offs | 119.2807% | 4,500 |
| Earnings coverage of net charge-offs (x) | 0.0380% | 6,148 |
| Efficiency ratio | 98.1038% | 1,209 |
| Assets per employee ($millions) | 2.9698% | 6,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8670% | 2,347 |
| Loan loss allowance to noncurrent loans | 86.0728% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 1.6773% | 3,854 |
| Noncurrent loans to loans | 2.1691% | 3,429 |
| Net loans and leases to total assets | 75.8823% | 1,828 |
| Net loans and leases to deposits | 87.8133% | 2,590 |
| Net loans and leases to core deposits | 131.1975% | 1,218 |
| Total domestic deposits to total assets | 86.4133% | 2,810 |
| Equity capital to assets | 13.1911% | 1,436 |
| Core capital (leverage) ratio | 13.1984% | 1,187 |
| Tier 1 risk-based capital ratio | 17.3443% | 2,067 |
| Total risk-based capital ratio | 18.6017% | 2,026 |
| Memoranda: | ||
| Average total assets | $46,298,200 | 6,855 |
| Average earning assets | $43,512,000 | 6,783 |
| Average equity | $7,083,800 | 6,245 |
| Average total loans | $36,750,000 | 6,263 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9961% | 302 |
| Cost of funding earning assets | 2.6714% | 861 |
| Net interest margin | 4.3248% | 1,663 |
| Noninterest income to average assets | 0.3421% | 5,758 |
| Noninterest expense to average assets | 3.9483% | 1,355 |
| Loan and lease loss provision to assets | 2.2119% | 783 |
| Net operating income to assets | -1.7538% | 7,215 |
| Return on assets (ROA) | -1.5596% | 7,138 |
| Pretax return on assets | -1.5596% | 6,995 |
| Return on Equity (ROE) | -9.8428% | 6,885 |
| Retained earnings to average equity (ytd only) | -9.8428% | 6,791 |
| Net charge-offs to loans | 0.0762% | 5,925 |
| Credit loss provision to net charge-offs | 3,633.3333% | 111 |
| Earnings coverage of net charge-offs (x) | 7.5236% | 2,391 |
| Efficiency ratio | 89.6053% | 1,725 |
| Assets per employee ($millions) | 2.7296% | 6,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2593% | 523 |
| Loan loss allowance to noncurrent loans | 64.3564% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 4.1354% | 1,524 |
| Noncurrent loans to loans | 5.0645% | 1,288 |
| Net loans and leases to total assets | 78.9932% | 1,394 |
| Net loans and leases to deposits | 93.2296% | 2,014 |
| Net loans and leases to core deposits | 139.2599% | 949 |
| Total domestic deposits to total assets | 84.7298% | 3,355 |
| Equity capital to assets | 14.9599% | 1,010 |
| Core capital (leverage) ratio | 15.1037% | 834 |
| Tier 1 risk-based capital ratio | 18.8219% | 1,790 |
| Total risk-based capital ratio | 20.0968% | 1,740 |
| Memoranda: | ||
| Average total assets | $45,993,500 | 6,921 |
| Average earning assets | $43,223,000 | 6,855 |
| Average equity | $7,287,750 | 6,230 |
| Average total loans | $36,751,750 | 6,300 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9642% | 340 |
| Cost of funding earning assets | 2.7903% | 812 |
| Net interest margin | 4.1739% | 2,082 |
| Noninterest income to average assets | 0.3358% | 5,823 |
| Noninterest expense to average assets | 3.9645% | 1,380 |
| Loan and lease loss provision to assets | 0.5452% | 2,839 |
| Net operating income to assets | -0.2530% | 6,265 |
| Return on assets (ROA) | -0.0349% | 5,968 |
| Pretax return on assets | -0.0349% | 5,916 |
| Return on Equity (ROE) | -0.2161% | 5,955 |
| Retained earnings to average equity (ytd only) | -0.2161% | 5,276 |
| Net charge-offs to loans | 0.0495% | 5,786 |
| Credit loss provision to net charge-offs | 1,388.8889% | 363 |
| Earnings coverage of net charge-offs (x) | 7.4444% | 2,440 |
| Efficiency ratio | 93.1352% | 1,557 |
| Assets per employee ($millions) | 2.6995% | 6,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6706% | 2,441 |
| Loan loss allowance to noncurrent loans | 124.7951% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 1.0634% | 4,842 |
| Noncurrent loans to loans | 1.3387% | 4,539 |
| Net loans and leases to total assets | 78.1051% | 1,721 |
| Net loans and leases to deposits | 93.6413% | 2,149 |
| Net loans and leases to core deposits | 138.7474% | 1,068 |
| Total domestic deposits to total assets | 83.4089% | 4,060 |
| Equity capital to assets | 15.8415% | 853 |
| Core capital (leverage) ratio | 16.0820% | 734 |
| Tier 1 risk-based capital ratio | 20.5045% | 1,485 |
| Total risk-based capital ratio | 21.7589% | 1,448 |
| Memoranda: | ||
| Average total assets | $45,856,670 | 6,986 |
| Average earning assets | $43,077,330 | 6,925 |
| Average equity | $7,403,000 | 6,218 |
| Average total loans | $36,372,000 | 6,386 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0004% | 336 |
| Cost of funding earning assets | 2.8039% | 972 |
| Net interest margin | 4.1965% | 1,909 |
| Noninterest income to average assets | 0.3316% | 5,794 |
| Noninterest expense to average assets | 3.8395% | 1,401 |
| Loan and lease loss provision to assets | 0.3229% | 3,389 |
| Net operating income to assets | 0.1134% | 5,940 |
| Return on assets (ROA) | 0.4189% | 4,957 |
| Pretax return on assets | 0.4189% | 5,341 |
| Return on Equity (ROE) | 2.5705% | 5,538 |
| Retained earnings to average equity (ytd only) | 2.5705% | 4,449 |
| Net charge-offs to loans | 0.0661% | 4,547 |
| Credit loss provision to net charge-offs | 616.6667% | 921 |
| Earnings coverage of net charge-offs (x) | 8.3333% | 2,206 |
| Efficiency ratio | 89.7959% | 1,732 |
| Assets per employee ($millions) | 2.7319% | 6,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4455% | 3,257 |
| Loan loss allowance to noncurrent loans | 102.5440% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 1.1003% | 4,485 |
| Noncurrent loans to loans | 1.4097% | 4,195 |
| Net loans and leases to total assets | 76.9244% | 2,056 |
| Net loans and leases to deposits | 91.9659% | 2,609 |
| Net loans and leases to core deposits | 136.6404% | 1,265 |
| Total domestic deposits to total assets | 83.6445% | 3,861 |
| Equity capital to assets | 15.9981% | 872 |
| Core capital (leverage) ratio | 16.4336% | 722 |
| Tier 1 risk-based capital ratio | 20.3788% | 1,549 |
| Total risk-based capital ratio | 21.6298% | 1,515 |
| Memoranda: | ||
| Average total assets | $45,839,000 | 7,034 |
| Average earning assets | $43,083,500 | 6,973 |
| Average equity | $7,469,500 | 6,232 |
| Average total loans | $36,331,500 | 6,426 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6380% | 318 |
| Cost of funding earning assets | 3.2228% | 1,119 |
| Net interest margin | 4.4152% | 1,643 |
| Noninterest income to average assets | 0.4641% | 4,932 |
| Noninterest expense to average assets | 3.9349% | 1,509 |
| Loan and lease loss provision to assets | 0.2927% | 4,044 |
| Net operating income to assets | 0.3681% | 5,281 |
| Return on assets (ROA) | 0.4276% | 4,858 |
| Pretax return on assets | 0.4276% | 5,183 |
| Return on Equity (ROE) | 2.5489% | 5,399 |
| Retained earnings to average equity (ytd only) | 2.5489% | 3,616 |
| Net charge-offs to loans | 0.1013% | 5,301 |
| Credit loss provision to net charge-offs | 365.7143% | 1,208 |
| Earnings coverage of net charge-offs (x) | 8.2571% | 2,914 |
| Efficiency ratio | 85.6219% | 1,895 |
| Assets per employee ($millions) | 2.5131% | 7,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3539% | 3,457 |
| Loan loss allowance to noncurrent loans | 2,240.9091% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0486% | 7,387 |
| Noncurrent loans to loans | 0.0604% | 7,264 |
| Net loans and leases to total assets | 79.4075% | 1,799 |
| Net loans and leases to deposits | 95.5472% | 2,518 |
| Net loans and leases to core deposits | 134.6529% | 1,558 |
| Total domestic deposits to total assets | 83.1082% | 3,723 |
| Equity capital to assets | 16.6000% | 827 |
| Core capital (leverage) ratio | 16.6284% | 744 |
| Tier 1 risk-based capital ratio | 20.4360% | 1,548 |
| Total risk-based capital ratio | 21.6876% | 1,513 |
| Memoranda: | ||
| Average total assets | $43,737,200 | 7,038 |
| Average earning assets | $40,927,200 | 6,997 |
| Average equity | $7,336,400 | 6,340 |
| Average total loans | $34,553,200 | 6,454 |