Home > Congaree State Bank > Performance and Condition Ratios
Congaree State Bank, Performance and Condition Ratios
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7116% | 1,024 |
| Cost of funding earning assets | 0.3589% | 3,514 |
| Net interest margin | 4.3527% | 829 |
| Noninterest income to average assets | 0.4192% | 3,686 |
| Noninterest expense to average assets | 4.4619% | 406 |
| Loan and lease loss provision to assets | 0.1235% | 1,713 |
| Net operating income to assets | -0.1678% | 5,873 |
| Return on assets (ROA) | 0.0262% | 5,796 |
| Pretax return on assets | 0.0412% | 5,785 |
| Return on Equity (ROE) | 0.2101% | 5,796 |
| Retained earnings to average equity (ytd only) | -0.8402% | 5,259 |
| Net charge-offs to loans | 0.0100% | 2,788 |
| Credit loss provision to net charge-offs | 1,650.0000% | 251 |
| Earnings coverage of net charge-offs (x) | -18.5000% | 3,076 |
| Efficiency ratio | 103.2035% | 224 |
| Assets per employee ($millions) | 4.9955% | 2,346 |
| Cash dividends to net income (ytd only)* | 500.0000% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4161% | 2,352 |
| Loan loss allowance to noncurrent loans | 319.2529% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 1.9618% | 897 |
| Noncurrent loans to loans | 0.4436% | 3,848 |
| Net loans and leases to total assets | 73.7277% | 1,771 |
| Net loans and leases to deposits | 87.0285% | 1,943 |
| Net loans and leases to core deposits | 92.5345% | 2,139 |
| Total domestic deposits to total assets | 84.7166% | 3,234 |
| Equity capital to assets | 12.7868% | 1,516 |
| Core capital (leverage) ratio | 11.2945% | 2,144 |
| Tier 1 risk-based capital ratio | 14.5474% | 3,368 |
| Total risk-based capital ratio | 15.8094% | 3,303 |
| Memoranda: | ||
| Average total assets | $106,860,500 | 4,331 |
| Average earning assets | $95,849,000 | 4,383 |
| Average equity | $13,329,500 | 4,112 |
| Average total loans | $79,718,000 | 3,862 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5212% | 1,532 |
| Cost of funding earning assets | 0.3548% | 3,650 |
| Net interest margin | 4.1664% | 1,244 |
| Noninterest income to average assets | 0.3385% | 4,487 |
| Noninterest expense to average assets | 3.4994% | 1,289 |
| Loan and lease loss provision to assets | 0.1959% | 1,108 |
| Net operating income to assets | 0.2633% | 5,452 |
| Return on assets (ROA) | 0.3322% | 5,351 |
| Pretax return on assets | 0.5148% | 5,080 |
| Return on Equity (ROE) | 2.8334% | 5,358 |
| Retained earnings to average equity (ytd only) | 1.7624% | 4,728 |
| Net charge-offs to loans | 0.1824% | 1,574 |
| Credit loss provision to net charge-offs | 149.6599% | 1,778 |
| Earnings coverage of net charge-offs (x) | 4.6190% | 3,517 |
| Efficiency ratio | 85.2648% | 1,067 |
| Assets per employee ($millions) | 4.7311% | 2,690 |
| Cash dividends to net income (ytd only)* | 37.8016% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3336% | 2,740 |
| Loan loss allowance to noncurrent loans | 141.9185% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 2.2708% | 731 |
| Noncurrent loans to loans | 0.9397% | 2,453 |
| Net loans and leases to total assets | 73.4276% | 1,819 |
| Net loans and leases to deposits | 88.2387% | 1,848 |
| Net loans and leases to core deposits | 94.2140% | 2,034 |
| Total domestic deposits to total assets | 83.2148% | 3,764 |
| Equity capital to assets | 12.1719% | 1,831 |
| Core capital (leverage) ratio | 10.6772% | 2,735 |
| Tier 1 risk-based capital ratio | 13.8048% | 3,825 |
| Total risk-based capital ratio | 15.0692% | 3,743 |
| Memoranda: | ||
| Average total assets | $112,276,200 | 4,215 |
| Average earning assets | $101,477,800 | 4,252 |
| Average equity | $13,164,200 | 4,106 |
| Average total loans | $80,572,000 | 3,809 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4607% | 1,727 |
| Cost of funding earning assets | 0.3470% | 3,786 |
| Net interest margin | 4.1136% | 1,380 |
| Noninterest income to average assets | 0.2970% | 4,816 |
| Noninterest expense to average assets | 3.4894% | 1,309 |
| Loan and lease loss provision to assets | 0.2298% | 800 |
| Net operating income to assets | 0.2005% | 5,678 |
| Return on assets (ROA) | 0.2934% | 5,550 |
| Pretax return on assets | 0.4301% | 5,400 |
| Return on Equity (ROE) | 2.5258% | 5,546 |
| Retained earnings to average equity (ytd only) | 1.4505% | 5,138 |
| Net charge-offs to loans | 0.1475% | 1,659 |
| Credit loss provision to net charge-offs | 219.1011% | 1,243 |
| Earnings coverage of net charge-offs (x) | 4.9890% | 3,265 |
| Efficiency ratio | 86.9604% | 938 |
| Assets per employee ($millions) | 5.0593% | 2,225 |
| Cash dividends to net income (ytd only)* | 42.5706% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3643% | 2,764 |
| Loan loss allowance to noncurrent loans | 135.7317% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 2.1742% | 882 |
| Noncurrent loans to loans | 1.0052% | 2,468 |
| Net loans and leases to total assets | 69.1497% | 2,512 |
| Net loans and leases to deposits | 83.9639% | 2,413 |
| Net loans and leases to core deposits | 88.9284% | 2,568 |
| Total domestic deposits to total assets | 82.3564% | 4,048 |
| Equity capital to assets | 11.4012% | 2,583 |
| Core capital (leverage) ratio | 10.7627% | 2,756 |
| Tier 1 risk-based capital ratio | 13.8291% | 3,953 |
| Total risk-based capital ratio | 15.0909% | 3,886 |
| Memoranda: | ||
| Average total assets | $113,141,250 | 4,242 |
| Average earning assets | $102,194,250 | 4,276 |
| Average equity | $13,144,000 | 4,155 |
| Average total loans | $80,469,750 | 3,843 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4237% | 1,777 |
| Cost of funding earning assets | 0.3389% | 3,938 |
| Net interest margin | 4.0848% | 1,391 |
| Noninterest income to average assets | 0.2338% | 5,284 |
| Noninterest expense to average assets | 3.4390% | 1,398 |
| Loan and lease loss provision to assets | 0.2320% | 792 |
| Net operating income to assets | 0.1915% | 5,716 |
| Return on assets (ROA) | 0.3427% | 5,422 |
| Pretax return on assets | 0.4694% | 5,304 |
| Return on Equity (ROE) | 2.9306% | 5,423 |
| Retained earnings to average equity (ytd only) | 1.8622% | 4,766 |
| Net charge-offs to loans | -0.1973% | 6,021 |
| Credit loss provision to net charge-offs | -164.5570% | 4,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4319% | 944 |
| Assets per employee ($millions) | 4.8667% | 2,441 |
| Cash dividends to net income (ytd only)* | 36.4583% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4784% | 2,386 |
| Loan loss allowance to noncurrent loans | 87.5450% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 2.3961% | 809 |
| Noncurrent loans to loans | 1.6887% | 1,536 |
| Net loans and leases to total assets | 72.3960% | 1,918 |
| Net loans and leases to deposits | 93.8883% | 1,162 |
| Net loans and leases to core deposits | 95.8949% | 1,811 |
| Total domestic deposits to total assets | 77.1086% | 5,442 |
| Equity capital to assets | 11.7097% | 2,238 |
| Core capital (leverage) ratio | 10.8613% | 2,556 |
| Tier 1 risk-based capital ratio | 13.9677% | 3,951 |
| Total risk-based capital ratio | 15.2315% | 3,874 |
| Memoranda: | ||
| Average total assets | $112,066,670 | 4,296 |
| Average earning assets | $101,499,330 | 4,329 |
| Average equity | $13,103,000 | 4,188 |
| Average total loans | $80,100,000 | 3,874 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3909% | 1,798 |
| Cost of funding earning assets | 0.3438% | 3,941 |
| Net interest margin | 4.0470% | 1,420 |
| Noninterest income to average assets | -0.0214% | 6,353 |
| Noninterest expense to average assets | 3.3817% | 1,524 |
| Loan and lease loss provision to assets | 0.2675% | 591 |
| Net operating income to assets | -0.0159% | 6,030 |
| Return on assets (ROA) | 0.3603% | 5,336 |
| Pretax return on assets | 0.3781% | 5,470 |
| Return on Equity (ROE) | 3.0837% | 5,337 |
| Retained earnings to average equity (ytd only) | 2.0151% | 4,667 |
| Net charge-offs to loans | -0.0051% | 4,498 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1238% | 641 |
| Assets per employee ($millions) | 4.8552% | 2,553 |
| Cash dividends to net income (ytd only)* | 34.6535% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 3,101 |
| Loan loss allowance to noncurrent loans | 83.1797% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 2.3408% | 941 |
| Noncurrent loans to loans | 1.6348% | 1,708 |
| Net loans and leases to total assets | 70.3508% | 2,088 |
| Net loans and leases to deposits | 89.4272% | 1,448 |
| Net loans and leases to core deposits | 91.0883% | 2,022 |
| Total domestic deposits to total assets | 78.6682% | 5,325 |
| Equity capital to assets | 11.7893% | 2,206 |
| Core capital (leverage) ratio | 10.5857% | 2,866 |
| Tier 1 risk-based capital ratio | 14.6179% | 3,648 |
| Total risk-based capital ratio | 15.8815% | 3,562 |
| Memoranda: | ||
| Average total assets | $112,133,500 | 4,328 |
| Average earning assets | $101,210,000 | 4,364 |
| Average equity | $13,101,000 | 4,218 |
| Average total loans | $79,024,500 | 3,927 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4638% | 2,015 |
| Cost of funding earning assets | 0.3915% | 3,773 |
| Net interest margin | 4.0724% | 1,675 |
| Noninterest income to average assets | 0.3419% | 4,655 |
| Noninterest expense to average assets | 3.3509% | 1,799 |
| Loan and lease loss provision to assets | 0.3180% | 630 |
| Net operating income to assets | 0.8801% | 2,974 |
| Return on assets (ROA) | 0.9432% | 2,751 |
| Pretax return on assets | 0.4503% | 5,384 |
| Return on Equity (ROE) | 8.5005% | 2,841 |
| Retained earnings to average equity (ytd only) | 1.4968% | 5,091 |
| Net charge-offs to loans | 0.8558% | 394 |
| Credit loss provision to net charge-offs | 53.9157% | 3,404 |
| Earnings coverage of net charge-offs (x) | 1.1958% | 4,476 |
| Efficiency ratio | 82.6144% | 1,584 |
| Assets per employee ($millions) | 4.6916% | 2,740 |
| Cash dividends to net income (ytd only)* | 82.3917% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 3,514 |
| Loan loss allowance to noncurrent loans | 87.3374% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 2.3038% | 1,035 |
| Noncurrent loans to loans | 1.4706% | 1,994 |
| Net loans and leases to total assets | 68.7392% | 2,451 |
| Net loans and leases to deposits | 87.9934% | 1,731 |
| Net loans and leases to core deposits | 89.9486% | 2,293 |
| Total domestic deposits to total assets | 78.1186% | 5,416 |
| Equity capital to assets | 11.5784% | 2,366 |
| Core capital (leverage) ratio | 10.5699% | 2,879 |
| Tier 1 risk-based capital ratio | 14.6202% | 3,711 |
| Total risk-based capital ratio | 15.8701% | 3,639 |
| Memoranda: | ||
| Average total assets | $112,595,400 | 4,329 |
| Average earning assets | $102,692,000 | 4,334 |
| Average equity | $12,493,400 | 4,274 |
| Average total loans | $77,592,400 | 3,947 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4362% | 2,092 |
| Cost of funding earning assets | 0.3994% | 3,789 |
| Net interest margin | 4.0368% | 1,762 |
| Noninterest income to average assets | 0.4014% | 4,233 |
| Noninterest expense to average assets | 3.3701% | 1,738 |
| Loan and lease loss provision to assets | 0.2937% | 673 |
| Net operating income to assets | 0.4091% | 5,209 |
| Return on assets (ROA) | 0.4275% | 5,225 |
| Pretax return on assets | 0.4429% | 5,490 |
| Return on Equity (ROE) | 3.8950% | 5,213 |
| Retained earnings to average equity (ytd only) | -5.1681% | 6,262 |
| Net charge-offs to loans | 0.7219% | 477 |
| Credit loss provision to net charge-offs | 59.1885% | 2,946 |
| Earnings coverage of net charge-offs (x) | 1.4463% | 4,152 |
| Efficiency ratio | 82.4450% | 1,558 |
| Assets per employee ($millions) | 4.5249% | 2,922 |
| Cash dividends to net income (ytd only)* | 232.6872% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 2,977 |
| Loan loss allowance to noncurrent loans | 71.0019% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 3.0162% | 780 |
| Noncurrent loans to loans | 2.0331% | 1,552 |
| Net loans and leases to total assets | 68.8640% | 2,398 |
| Net loans and leases to deposits | 85.8773% | 1,919 |
| Net loans and leases to core deposits | 87.7758% | 2,458 |
| Total domestic deposits to total assets | 80.1888% | 5,054 |
| Equity capital to assets | 10.7706% | 3,217 |
| Core capital (leverage) ratio | 10.4553% | 3,097 |
| Tier 1 risk-based capital ratio | 14.4011% | 3,943 |
| Total risk-based capital ratio | 15.6538% | 3,884 |
| Memoranda: | ||
| Average total assets | $112,594,750 | 4,367 |
| Average earning assets | $102,817,500 | 4,371 |
| Average equity | $12,357,500 | 4,317 |
| Average total loans | $77,389,000 | 3,980 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4714% | 1,923 |
| Cost of funding earning assets | 0.4079% | 3,794 |
| Net interest margin | 4.0635% | 1,626 |
| Noninterest income to average assets | 0.3540% | 4,593 |
| Noninterest expense to average assets | 3.3624% | 1,776 |
| Loan and lease loss provision to assets | 0.3167% | 606 |
| Net operating income to assets | 0.3772% | 5,301 |
| Return on assets (ROA) | 0.3700% | 5,395 |
| Pretax return on assets | 0.3718% | 5,633 |
| Return on Equity (ROE) | 3.3507% | 5,402 |
| Retained earnings to average equity (ytd only) | -9.6171% | 6,412 |
| Net charge-offs to loans | 0.7106% | 538 |
| Credit loss provision to net charge-offs | 65.2015% | 2,552 |
| Earnings coverage of net charge-offs (x) | 1.4322% | 3,808 |
| Efficiency ratio | 82.8584% | 1,646 |
| Assets per employee ($millions) | 4.4663% | 2,975 |
| Cash dividends to net income (ytd only)* | 387.0192% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6166% | 2,403 |
| Loan loss allowance to noncurrent loans | 138.1385% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 2.4172% | 1,191 |
| Noncurrent loans to loans | 1.1703% | 2,884 |
| Net loans and leases to total assets | 66.3311% | 2,705 |
| Net loans and leases to deposits | 80.3149% | 2,474 |
| Net loans and leases to core deposits | 82.0608% | 2,967 |
| Total domestic deposits to total assets | 82.5888% | 4,451 |
| Equity capital to assets | 10.9056% | 2,972 |
| Core capital (leverage) ratio | 10.3320% | 3,161 |
| Tier 1 risk-based capital ratio | 14.9911% | 3,648 |
| Total risk-based capital ratio | 16.2458% | 3,589 |
| Memoranda: | ||
| Average total assets | $112,418,670 | 4,401 |
| Average earning assets | $102,473,330 | 4,405 |
| Average equity | $12,415,330 | 4,328 |
| Average total loans | $76,838,000 | 4,010 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4587% | 1,938 |
| Cost of funding earning assets | 0.4071% | 3,878 |
| Net interest margin | 4.0516% | 1,595 |
| Noninterest income to average assets | 0.4007% | 4,179 |
| Noninterest expense to average assets | 3.2660% | 2,029 |
| Loan and lease loss provision to assets | 0.4326% | 376 |
| Net operating income to assets | 0.4041% | 5,096 |
| Return on assets (ROA) | 0.3865% | 5,230 |
| Pretax return on assets | 0.3901% | 5,486 |
| Return on Equity (ROE) | 3.4784% | 5,285 |
| Retained earnings to average equity (ytd only) | 2.5210% | 4,559 |
| Net charge-offs to loans | 0.5102% | 724 |
| Credit loss provision to net charge-offs | 123.2323% | 1,431 |
| Earnings coverage of net charge-offs (x) | 2.3939% | 2,886 |
| Efficiency ratio | 79.5337% | 2,269 |
| Assets per employee ($millions) | 4.3493% | 3,249 |
| Cash dividends to net income (ytd only)* | 27.5229% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7279% | 2,260 |
| Loan loss allowance to noncurrent loans | 93.2961% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 2.5839% | 1,213 |
| Noncurrent loans to loans | 1.8521% | 2,062 |
| Net loans and leases to total assets | 67.1922% | 2,358 |
| Net loans and leases to deposits | 83.3092% | 1,906 |
| Net loans and leases to core deposits | 85.1407% | 2,405 |
| Total domestic deposits to total assets | 80.6540% | 5,333 |
| Equity capital to assets | 11.2050% | 2,518 |
| Core capital (leverage) ratio | 10.7364% | 2,664 |
| Tier 1 risk-based capital ratio | 15.5481% | 3,412 |
| Total risk-based capital ratio | 16.8041% | 3,377 |
| Memoranda: | ||
| Average total assets | $112,799,000 | 4,430 |
| Average earning assets | $103,168,500 | 4,423 |
| Average equity | $12,534,500 | 4,337 |
| Average total loans | $77,616,500 | 4,009 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5938% | 1,898 |
| Cost of funding earning assets | 0.4421% | 4,196 |
| Net interest margin | 4.1517% | 1,493 |
| Noninterest income to average assets | 0.1234% | 6,308 |
| Noninterest expense to average assets | 3.3381% | 2,028 |
| Loan and lease loss provision to assets | 0.3596% | 870 |
| Net operating income to assets | 0.7120% | 3,743 |
| Return on assets (ROA) | 0.9091% | 2,820 |
| Pretax return on assets | 0.5167% | 5,155 |
| Return on Equity (ROE) | 8.3373% | 2,865 |
| Retained earnings to average equity (ytd only) | 8.3373% | 943 |
| Net charge-offs to loans | 0.4844% | 1,373 |
| Credit loss provision to net charge-offs | 104.3814% | 2,320 |
| Earnings coverage of net charge-offs (x) | 1.9716% | 4,389 |
| Efficiency ratio | 83.0939% | 1,738 |
| Assets per employee ($millions) | 4.3275% | 3,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6839% | 2,452 |
| Loan loss allowance to noncurrent loans | 104.4586% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 2.4886% | 1,383 |
| Noncurrent loans to loans | 1.6120% | 2,492 |
| Net loans and leases to total assets | 68.0816% | 2,347 |
| Net loans and leases to deposits | 84.0561% | 1,937 |
| Net loans and leases to core deposits | 85.9046% | 2,458 |
| Total domestic deposits to total assets | 80.9954% | 5,179 |
| Equity capital to assets | 11.0190% | 2,596 |
| Core capital (leverage) ratio | 10.7994% | 2,575 |
| Tier 1 risk-based capital ratio | 15.2176% | 3,535 |
| Total risk-based capital ratio | 16.4737% | 3,478 |
| Memoranda: | ||
| Average total assets | $112,640,400 | 4,445 |
| Average earning assets | $105,642,200 | 4,373 |
| Average equity | $12,282,200 | 4,397 |
| Average total loans | $80,099,600 | 3,935 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6117% | 1,861 |
| Cost of funding earning assets | 0.4451% | 4,333 |
| Net interest margin | 4.1666% | 1,434 |
| Noninterest income to average assets | 0.1314% | 6,362 |
| Noninterest expense to average assets | 3.3359% | 1,989 |
| Loan and lease loss provision to assets | 0.3787% | 819 |
| Net operating income to assets | 0.3259% | 5,508 |
| Return on assets (ROA) | 0.5361% | 4,787 |
| Pretax return on assets | 0.5574% | 5,180 |
| Return on Equity (ROE) | 4.9291% | 4,766 |
| Retained earnings to average equity (ytd only) | 4.9291% | 3,135 |
| Net charge-offs to loans | 0.3389% | 1,854 |
| Credit loss provision to net charge-offs | 156.0976% | 1,513 |
| Earnings coverage of net charge-offs (x) | 2.9561% | 3,852 |
| Efficiency ratio | 82.3066% | 1,786 |
| Assets per employee ($millions) | 4.7010% | 2,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7779% | 2,374 |
| Loan loss allowance to noncurrent loans | 131.2558% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 2.6936% | 1,402 |
| Noncurrent loans to loans | 1.3546% | 3,154 |
| Net loans and leases to total assets | 69.0902% | 2,125 |
| Net loans and leases to deposits | 83.5488% | 1,930 |
| Net loans and leases to core deposits | 85.5927% | 2,453 |
| Total domestic deposits to total assets | 82.6944% | 4,688 |
| Equity capital to assets | 10.5978% | 3,162 |
| Core capital (leverage) ratio | 11.0937% | 2,389 |
| Tier 1 risk-based capital ratio | 14.8983% | 3,815 |
| Total risk-based capital ratio | 16.1656% | 3,758 |
| Memoranda: | ||
| Average total assets | $112,671,750 | 4,493 |
| Average earning assets | $106,047,000 | 4,405 |
| Average equity | $12,253,250 | 4,448 |
| Average total loans | $80,646,000 | 3,955 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6585% | 1,678 |
| Cost of funding earning assets | 0.4645% | 4,265 |
| Net interest margin | 4.1940% | 1,291 |
| Noninterest income to average assets | 0.0568% | 6,651 |
| Noninterest expense to average assets | 3.4079% | 1,803 |
| Loan and lease loss provision to assets | 0.3285% | 1,052 |
| Net operating income to assets | 0.2564% | 5,758 |
| Return on assets (ROA) | 0.5718% | 4,615 |
| Pretax return on assets | 0.5931% | 5,039 |
| Return on Equity (ROE) | 5.2137% | 4,613 |
| Retained earnings to average equity (ytd only) | 5.2137% | 2,917 |
| Net charge-offs to loans | 0.3084% | 1,951 |
| Credit loss provision to net charge-offs | 148.0000% | 1,555 |
| Earnings coverage of net charge-offs (x) | 2.6720% | 3,624 |
| Efficiency ratio | 85.1753% | 1,501 |
| Assets per employee ($millions) | 4.6308% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6665% | 2,913 |
| Loan loss allowance to noncurrent loans | 70.9948% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 3.4650% | 1,115 |
| Noncurrent loans to loans | 2.3474% | 2,005 |
| Net loans and leases to total assets | 71.9927% | 1,578 |
| Net loans and leases to deposits | 83.4623% | 1,873 |
| Net loans and leases to core deposits | 86.7913% | 2,253 |
| Total domestic deposits to total assets | 86.2577% | 3,229 |
| Equity capital to assets | 10.8828% | 2,867 |
| Core capital (leverage) ratio | 10.6103% | 2,755 |
| Tier 1 risk-based capital ratio | 15.2530% | 3,625 |
| Total risk-based capital ratio | 16.5091% | 3,580 |
| Memoranda: | ||
| Average total assets | $112,620,670 | 4,518 |
| Average earning assets | $105,913,670 | 4,438 |
| Average equity | $12,352,000 | 4,449 |
| Average total loans | $81,074,000 | 3,955 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6139% | 1,786 |
| Cost of funding earning assets | 0.4939% | 4,144 |
| Net interest margin | 4.1199% | 1,403 |
| Noninterest income to average assets | 0.3105% | 5,208 |
| Noninterest expense to average assets | 3.4015% | 1,836 |
| Loan and lease loss provision to assets | 0.1764% | 2,103 |
| Net operating income to assets | 0.5928% | 4,254 |
| Return on assets (ROA) | 0.5928% | 4,400 |
| Pretax return on assets | 0.6175% | 4,883 |
| Return on Equity (ROE) | 5.3844% | 4,360 |
| Retained earnings to average equity (ytd only) | 5.3844% | 3,015 |
| Net charge-offs to loans | 0.0692% | 3,148 |
| Credit loss provision to net charge-offs | 357.1429% | 696 |
| Earnings coverage of net charge-offs (x) | 16.0714% | 1,376 |
| Efficiency ratio | 81.0765% | 2,177 |
| Assets per employee ($millions) | 4.7205% | 2,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6403% | 3,232 |
| Loan loss allowance to noncurrent loans | 68.8728% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 3.6057% | 1,163 |
| Noncurrent loans to loans | 2.3816% | 2,183 |
| Net loans and leases to total assets | 70.5013% | 1,581 |
| Net loans and leases to deposits | 82.6980% | 1,744 |
| Net loans and leases to core deposits | 85.9700% | 2,108 |
| Total domestic deposits to total assets | 85.2515% | 3,923 |
| Equity capital to assets | 11.0545% | 2,900 |
| Core capital (leverage) ratio | 10.3928% | 2,913 |
| Tier 1 risk-based capital ratio | 15.0234% | 3,824 |
| Total risk-based capital ratio | 16.2797% | 3,775 |
| Memoranda: | ||
| Average total assets | $113,361,500 | 4,540 |
| Average earning assets | $106,895,000 | 4,450 |
| Average equity | $12,480,500 | 4,477 |
| Average total loans | $80,927,000 | 3,991 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8233% | 2,107 |
| Cost of funding earning assets | 0.6655% | 3,783 |
| Net interest margin | 4.1578% | 1,785 |
| Noninterest income to average assets | 0.3601% | 4,906 |
| Noninterest expense to average assets | 3.4777% | 1,873 |
| Loan and lease loss provision to assets | 0.6006% | 921 |
| Net operating income to assets | 0.4181% | 5,016 |
| Return on assets (ROA) | 0.8555% | 3,263 |
| Pretax return on assets | 0.5771% | 5,065 |
| Return on Equity (ROE) | 7.9622% | 3,103 |
| Retained earnings to average equity (ytd only) | 7.9622% | 1,136 |
| Net charge-offs to loans | 0.9678% | 1,137 |
| Credit loss provision to net charge-offs | 87.7150% | 3,561 |
| Earnings coverage of net charge-offs (x) | 1.0811% | 4,921 |
| Efficiency ratio | 82.4491% | 1,812 |
| Assets per employee ($millions) | 4.7263% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6057% | 3,282 |
| Loan loss allowance to noncurrent loans | 72.8756% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 3.5185% | 1,282 |
| Noncurrent loans to loans | 2.2034% | 2,460 |
| Net loans and leases to total assets | 69.9586% | 1,847 |
| Net loans and leases to deposits | 83.7015% | 1,791 |
| Net loans and leases to core deposits | 85.5338% | 2,371 |
| Total domestic deposits to total assets | 83.5811% | 4,507 |
| Equity capital to assets | 10.9645% | 2,996 |
| Core capital (leverage) ratio | 10.1823% | 3,162 |
| Tier 1 risk-based capital ratio | 14.7181% | 3,883 |
| Total risk-based capital ratio | 15.9849% | 3,829 |
| Memoranda: | ||
| Average total assets | $118,871,400 | 4,383 |
| Average earning assets | $110,299,000 | 4,332 |
| Average equity | $12,772,800 | 4,408 |
| Average total loans | $84,107,200 | 3,905 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8278% | 2,283 |
| Cost of funding earning assets | 0.6878% | 3,879 |
| Net interest margin | 4.1400% | 1,940 |
| Noninterest income to average assets | 0.3349% | 5,126 |
| Noninterest expense to average assets | 3.4300% | 1,931 |
| Loan and lease loss provision to assets | 0.6864% | 748 |
| Net operating income to assets | 0.4214% | 5,156 |
| Return on assets (ROA) | 0.9204% | 3,104 |
| Pretax return on assets | 0.5489% | 5,306 |
| Return on Equity (ROE) | 8.6075% | 2,990 |
| Retained earnings to average equity (ytd only) | 8.6075% | 1,374 |
| Net charge-offs to loans | 0.8881% | 1,230 |
| Credit loss provision to net charge-offs | 109.3640% | 2,686 |
| Earnings coverage of net charge-offs (x) | 1.1731% | 4,714 |
| Efficiency ratio | 82.3263% | 1,778 |
| Assets per employee ($millions) | 4.9343% | 2,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7515% | 2,964 |
| Loan loss allowance to noncurrent loans | 58.8785% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 4.5245% | 1,020 |
| Noncurrent loans to loans | 2.9748% | 1,881 |
| Net loans and leases to total assets | 68.6351% | 2,187 |
| Net loans and leases to deposits | 82.1930% | 2,093 |
| Net loans and leases to core deposits | 83.9200% | 2,709 |
| Total domestic deposits to total assets | 83.5048% | 4,433 |
| Equity capital to assets | 11.1728% | 3,069 |
| Core capital (leverage) ratio | 10.8048% | 2,594 |
| Tier 1 risk-based capital ratio | 15.9418% | 3,296 |
| Total risk-based capital ratio | 17.1986% | 3,264 |
| Memoranda: | ||
| Average total assets | $120,231,750 | 4,395 |
| Average earning assets | $111,270,000 | 4,356 |
| Average equity | $12,856,750 | 4,427 |
| Average total loans | $84,971,750 | 3,915 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8991% | 2,115 |
| Cost of funding earning assets | 0.7119% | 3,925 |
| Net interest margin | 4.1872% | 1,783 |
| Noninterest income to average assets | 0.3525% | 5,020 |
| Noninterest expense to average assets | 3.4924% | 1,802 |
| Loan and lease loss provision to assets | 0.6108% | 965 |
| Net operating income to assets | 0.6869% | 3,940 |
| Return on assets (ROA) | 1.1801% | 1,987 |
| Pretax return on assets | 0.6174% | 5,080 |
| Return on Equity (ROE) | 11.2001% | 1,920 |
| Retained earnings to average equity (ytd only) | 11.2001% | 713 |
| Net charge-offs to loans | 0.1097% | 4,087 |
| Credit loss provision to net charge-offs | 785.1064% | 400 |
| Earnings coverage of net charge-offs (x) | 9.4468% | 2,166 |
| Efficiency ratio | 82.6155% | 1,798 |
| Assets per employee ($millions) | 5.0029% | 2,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0343% | 2,141 |
| Loan loss allowance to noncurrent loans | 207.4879% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 3.2198% | 1,694 |
| Noncurrent loans to loans | 0.9805% | 4,548 |
| Net loans and leases to total assets | 68.9045% | 2,118 |
| Net loans and leases to deposits | 82.9711% | 1,983 |
| Net loans and leases to core deposits | 84.6989% | 2,603 |
| Total domestic deposits to total assets | 83.0464% | 4,738 |
| Equity capital to assets | 10.9112% | 3,217 |
| Core capital (leverage) ratio | 10.6740% | 2,636 |
| Tier 1 risk-based capital ratio | 15.5180% | 3,427 |
| Total risk-based capital ratio | 16.7897% | 3,378 |
| Memoranda: | ||
| Average total assets | $120,835,000 | 4,404 |
| Average earning assets | $111,815,670 | 4,369 |
| Average equity | $12,732,000 | 4,450 |
| Average total loans | $85,719,670 | 3,917 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8962% | 2,254 |
| Cost of funding earning assets | 0.7360% | 3,977 |
| Net interest margin | 4.1602% | 1,891 |
| Noninterest income to average assets | 0.3894% | 4,749 |
| Noninterest expense to average assets | 3.5176% | 1,723 |
| Loan and lease loss provision to assets | 0.5841% | 985 |
| Net operating income to assets | 1.3133% | 1,423 |
| Return on assets (ROA) | 1.7126% | 782 |
| Pretax return on assets | 0.5478% | 5,294 |
| Return on Equity (ROE) | 16.5451% | 737 |
| Retained earnings to average equity (ytd only) | 16.5451% | 335 |
| Net charge-offs to loans | 0.1853% | 2,995 |
| Credit loss provision to net charge-offs | 442.5000% | 729 |
| Earnings coverage of net charge-offs (x) | 5.5500% | 2,343 |
| Efficiency ratio | 82.7640% | 1,834 |
| Assets per employee ($millions) | 5.2377% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8161% | 2,934 |
| Loan loss allowance to noncurrent loans | 157.3922% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 3.2947% | 1,752 |
| Noncurrent loans to loans | 1.1539% | 4,403 |
| Net loans and leases to total assets | 68.7987% | 1,969 |
| Net loans and leases to deposits | 82.4864% | 1,867 |
| Net loans and leases to core deposits | 84.2634% | 2,517 |
| Total domestic deposits to total assets | 83.4061% | 4,756 |
| Equity capital to assets | 10.6403% | 3,336 |
| Core capital (leverage) ratio | 10.3724% | 2,907 |
| Tier 1 risk-based capital ratio | 15.1109% | 3,681 |
| Total risk-based capital ratio | 16.3684% | 3,638 |
| Memoranda: | ||
| Average total assets | $121,218,000 | 4,425 |
| Average earning assets | $112,495,500 | 4,367 |
| Average equity | $12,547,500 | 4,498 |
| Average total loans | $86,354,000 | 3,928 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9031% | 3,339 |
| Cost of funding earning assets | 1.0288% | 3,165 |
| Net interest margin | 3.8742% | 3,451 |
| Noninterest income to average assets | 0.3272% | 5,201 |
| Noninterest expense to average assets | 3.2661% | 2,631 |
| Loan and lease loss provision to assets | 0.6055% | 1,708 |
| Net operating income to assets | 0.3785% | 4,955 |
| Return on assets (ROA) | 0.5892% | 4,237 |
| Pretax return on assets | 0.2889% | 5,592 |
| Return on Equity (ROE) | 6.1438% | 3,794 |
| Retained earnings to average equity (ytd only) | 6.1438% | 1,931 |
| Net charge-offs to loans | 1.0246% | 1,704 |
| Credit loss provision to net charge-offs | 82.6667% | 4,340 |
| Earnings coverage of net charge-offs (x) | 0.9333% | 5,105 |
| Efficiency ratio | 82.6911% | 1,925 |
| Assets per employee ($millions) | 5.5441% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5810% | 3,661 |
| Loan loss allowance to noncurrent loans | 90.0645% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 3.8796% | 1,486 |
| Noncurrent loans to loans | 1.7555% | 3,523 |
| Net loans and leases to total assets | 71.2470% | 1,778 |
| Net loans and leases to deposits | 84.7557% | 1,836 |
| Net loans and leases to core deposits | 87.4941% | 2,432 |
| Total domestic deposits to total assets | 84.0617% | 4,293 |
| Equity capital to assets | 10.0656% | 4,081 |
| Core capital (leverage) ratio | 9.8417% | 3,527 |
| Tier 1 risk-based capital ratio | 14.1730% | 4,198 |
| Total risk-based capital ratio | 15.4384% | 4,136 |
| Memoranda: | ||
| Average total assets | $122,868,800 | 4,325 |
| Average earning assets | $114,886,800 | 4,261 |
| Average equity | $11,784,200 | 4,602 |
| Average total loans | $87,840,800 | 3,915 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8870% | 3,623 |
| Cost of funding earning assets | 1.0946% | 3,017 |
| Net interest margin | 3.7923% | 3,913 |
| Noninterest income to average assets | 0.3141% | 5,352 |
| Noninterest expense to average assets | 3.2354% | 2,715 |
| Loan and lease loss provision to assets | 0.5730% | 1,712 |
| Net operating income to assets | 0.4560% | 4,741 |
| Return on assets (ROA) | 0.6326% | 4,138 |
| Pretax return on assets | 0.2285% | 5,847 |
| Return on Equity (ROE) | 6.6774% | 3,673 |
| Retained earnings to average equity (ytd only) | 6.6774% | 2,146 |
| Net charge-offs to loans | 0.8845% | 1,805 |
| Credit loss provision to net charge-offs | 90.8935% | 3,745 |
| Earnings coverage of net charge-offs (x) | 0.9914% | 4,887 |
| Efficiency ratio | 83.8103% | 1,752 |
| Assets per employee ($millions) | 5.5834% | 1,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7091% | 3,241 |
| Loan loss allowance to noncurrent loans | 90.6344% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 3.9744% | 1,539 |
| Noncurrent loans to loans | 1.8857% | 3,526 |
| Net loans and leases to total assets | 70.2300% | 2,042 |
| Net loans and leases to deposits | 83.5087% | 2,090 |
| Net loans and leases to core deposits | 87.0557% | 2,626 |
| Total domestic deposits to total assets | 84.0990% | 4,182 |
| Equity capital to assets | 10.0370% | 4,288 |
| Core capital (leverage) ratio | 9.7611% | 3,754 |
| Tier 1 risk-based capital ratio | 14.3335% | 4,102 |
| Total risk-based capital ratio | 15.6019% | 4,052 |
| Memoranda: | ||
| Average total assets | $123,093,500 | 4,339 |
| Average earning assets | $115,106,000 | 4,281 |
| Average equity | $11,661,000 | 4,646 |
| Average total loans | $87,727,000 | 3,953 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8764% | 3,728 |
| Cost of funding earning assets | 1.1515% | 2,893 |
| Net interest margin | 3.7249% | 4,151 |
| Noninterest income to average assets | 0.3280% | 5,271 |
| Noninterest expense to average assets | 3.2587% | 2,709 |
| Loan and lease loss provision to assets | 0.4205% | 2,331 |
| Net operating income to assets | 0.7453% | 3,312 |
| Return on assets (ROA) | 0.7956% | 3,222 |
| Pretax return on assets | 0.1867% | 5,956 |
| Return on Equity (ROE) | 8.5677% | 2,693 |
| Retained earnings to average equity (ytd only) | 8.5677% | 1,245 |
| Net charge-offs to loans | 0.8414% | 1,818 |
| Credit loss provision to net charge-offs | 70.1897% | 4,051 |
| Earnings coverage of net charge-offs (x) | 0.9295% | 4,606 |
| Efficiency ratio | 85.4043% | 1,663 |
| Assets per employee ($millions) | 5.7688% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6898% | 3,362 |
| Loan loss allowance to noncurrent loans | 86.9277% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 4.3477% | 1,461 |
| Noncurrent loans to loans | 1.9439% | 3,549 |
| Net loans and leases to total assets | 69.2988% | 2,359 |
| Net loans and leases to deposits | 79.1142% | 2,952 |
| Net loans and leases to core deposits | 82.2881% | 3,461 |
| Total domestic deposits to total assets | 87.5934% | 2,411 |
| Equity capital to assets | 9.7602% | 4,445 |
| Core capital (leverage) ratio | 9.3923% | 4,122 |
| Tier 1 risk-based capital ratio | 14.0498% | 4,137 |
| Total risk-based capital ratio | 15.3054% | 4,105 |
| Memoranda: | ||
| Average total assets | $123,179,670 | 4,361 |
| Average earning assets | $115,331,330 | 4,295 |
| Average equity | $11,438,330 | 4,703 |
| Average total loans | $87,713,670 | 3,993 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8122% | 4,006 |
| Cost of funding earning assets | 1.2013% | 2,807 |
| Net interest margin | 3.6109% | 4,524 |
| Noninterest income to average assets | 0.3865% | 4,824 |
| Noninterest expense to average assets | 3.3076% | 2,535 |
| Loan and lease loss provision to assets | 0.2222% | 3,438 |
| Net operating income to assets | 1.3688% | 1,118 |
| Return on assets (ROA) | 1.3688% | 1,167 |
| Pretax return on assets | 0.2351% | 5,852 |
| Return on Equity (ROE) | 15.1172% | 801 |
| Retained earnings to average equity (ytd only) | 15.1172% | 385 |
| Net charge-offs to loans | 0.5041% | 2,215 |
| Credit loss provision to net charge-offs | 61.6071% | 3,520 |
| Earnings coverage of net charge-offs (x) | 1.2679% | 3,720 |
| Efficiency ratio | 87.8529% | 1,532 |
| Assets per employee ($millions) | 5.0887% | 2,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7254% | 3,255 |
| Loan loss allowance to noncurrent loans | 90.8489% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 4.0631% | 1,645 |
| Noncurrent loans to loans | 1.8992% | 3,702 |
| Net loans and leases to total assets | 67.5609% | 2,642 |
| Net loans and leases to deposits | 76.3584% | 3,362 |
| Net loans and leases to core deposits | 82.7125% | 3,349 |
| Total domestic deposits to total assets | 88.4787% | 2,094 |
| Equity capital to assets | 9.0240% | 5,169 |
| Core capital (leverage) ratio | 9.1539% | 4,368 |
| Tier 1 risk-based capital ratio | 13.7156% | 4,268 |
| Total risk-based capital ratio | 14.9723% | 4,229 |
| Memoranda: | ||
| Average total assets | $124,197,000 | 4,369 |
| Average earning assets | $116,205,000 | 4,295 |
| Average equity | $11,245,500 | 4,734 |
| Average total loans | $88,873,000 | 4,001 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9841% | 4,632 |
| Cost of funding earning assets | 1.6249% | 1,927 |
| Net interest margin | 3.3592% | 5,761 |
| Noninterest income to average assets | 0.2452% | 6,042 |
| Noninterest expense to average assets | 3.1282% | 3,354 |
| Loan and lease loss provision to assets | 0.6378% | 2,583 |
| Net operating income to assets | -0.3753% | 6,289 |
| Return on assets (ROA) | -0.0471% | 6,009 |
| Pretax return on assets | -0.0471% | 5,952 |
| Return on Equity (ROE) | -0.5885% | 6,025 |
| Retained earnings to average equity (ytd only) | -0.5885% | 5,726 |
| Net charge-offs to loans | 0.8016% | 2,632 |
| Credit loss provision to net charge-offs | 106.6250% | 4,181 |
| Earnings coverage of net charge-offs (x) | 0.4388% | 5,671 |
| Efficiency ratio | 92.2602% | 1,165 |
| Assets per employee ($millions) | 4.8471% | 2,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7189% | 3,140 |
| Loan loss allowance to noncurrent loans | 109.5272% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 3.8869% | 1,755 |
| Noncurrent loans to loans | 1.5694% | 4,146 |
| Net loans and leases to total assets | 73.2284% | 1,821 |
| Net loans and leases to deposits | 82.9634% | 2,638 |
| Net loans and leases to core deposits | 87.4246% | 3,130 |
| Total domestic deposits to total assets | 88.2659% | 2,086 |
| Equity capital to assets | 9.0867% | 5,010 |
| Core capital (leverage) ratio | 9.1564% | 4,251 |
| Tier 1 risk-based capital ratio | 12.8384% | 4,737 |
| Total risk-based capital ratio | 14.0940% | 4,704 |
| Memoranda: | ||
| Average total assets | $133,749,000 | 4,186 |
| Average earning assets | $125,237,800 | 4,126 |
| Average equity | $10,705,800 | 4,933 |
| Average total loans | $99,802,200 | 3,796 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9380% | 5,086 |
| Cost of funding earning assets | 1.6948% | 1,906 |
| Net interest margin | 3.2431% | 6,197 |
| Noninterest income to average assets | 0.1958% | 6,486 |
| Noninterest expense to average assets | 2.9891% | 3,789 |
| Loan and lease loss provision to assets | 0.6535% | 2,335 |
| Net operating income to assets | -0.4071% | 6,523 |
| Return on assets (ROA) | -0.1490% | 6,327 |
| Pretax return on assets | -0.1490% | 6,269 |
| Return on Equity (ROE) | -1.9191% | 6,388 |
| Retained earnings to average equity (ytd only) | -1.9191% | 6,183 |
| Net charge-offs to loans | 0.4241% | 3,596 |
| Credit loss provision to net charge-offs | 206.4615% | 1,716 |
| Earnings coverage of net charge-offs (x) | 0.7785% | 5,280 |
| Efficiency ratio | 92.3841% | 1,094 |
| Assets per employee ($millions) | 4.9433% | 2,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8917% | 2,509 |
| Loan loss allowance to noncurrent loans | 41.2514% | 5,540 |
| Noncurrent assets plus other real estate owned to assets | 4.0451% | 1,726 |
| Noncurrent loans to loans | 4.5858% | 1,562 |
| Net loans and leases to total assets | 74.4886% | 1,691 |
| Net loans and leases to deposits | 84.9155% | 2,532 |
| Net loans and leases to core deposits | 90.0276% | 3,085 |
| Total domestic deposits to total assets | 87.7209% | 2,148 |
| Equity capital to assets | 9.0098% | 5,566 |
| Core capital (leverage) ratio | 8.4998% | 5,503 |
| Tier 1 risk-based capital ratio | 12.0847% | 5,377 |
| Total risk-based capital ratio | 13.3533% | 5,331 |
| Memoranda: | ||
| Average total assets | $136,892,000 | 4,167 |
| Average earning assets | $128,309,000 | 4,103 |
| Average equity | $10,629,500 | 5,013 |
| Average total loans | $102,180,750 | 3,795 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9272% | 5,279 |
| Cost of funding earning assets | 1.7677% | 1,779 |
| Net interest margin | 3.1594% | 6,433 |
| Noninterest income to average assets | 0.1346% | 6,914 |
| Noninterest expense to average assets | 2.8737% | 4,167 |
| Loan and lease loss provision to assets | 0.5971% | 2,397 |
| Net operating income to assets | -0.4009% | 6,570 |
| Return on assets (ROA) | -0.3279% | 6,544 |
| Pretax return on assets | -0.3279% | 6,457 |
| Return on Equity (ROE) | -4.4411% | 6,651 |
| Retained earnings to average equity (ytd only) | -4.4411% | 6,492 |
| Net charge-offs to loans | 0.5322% | 2,938 |
| Credit loss provision to net charge-offs | 151.0870% | 2,600 |
| Earnings coverage of net charge-offs (x) | 0.4964% | 5,227 |
| Efficiency ratio | 93.6101% | 1,086 |
| Assets per employee ($millions) | 5.3184% | 1,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6113% | 3,395 |
| Loan loss allowance to noncurrent loans | 37.1714% | 5,886 |
| Noncurrent assets plus other real estate owned to assets | 3.6325% | 1,932 |
| Noncurrent loans to loans | 4.3347% | 1,712 |
| Net loans and leases to total assets | 72.4222% | 2,295 |
| Net loans and leases to deposits | 81.5578% | 3,333 |
| Net loans and leases to core deposits | 87.0288% | 3,692 |
| Total domestic deposits to total assets | 88.7987% | 1,547 |
| Equity capital to assets | 8.3216% | 6,398 |
| Core capital (leverage) ratio | 8.0110% | 6,261 |
| Tier 1 risk-based capital ratio | 11.2690% | 5,976 |
| Total risk-based capital ratio | 12.5331% | 5,942 |
| Memoranda: | ||
| Average total assets | $139,680,330 | 4,144 |
| Average earning assets | $129,770,330 | 4,093 |
| Average equity | $10,312,670 | 5,115 |
| Average total loans | $103,713,000 | 3,777 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0369% | 4,850 |
| Cost of funding earning assets | 1.7985% | 1,880 |
| Net interest margin | 3.2385% | 6,170 |
| Noninterest income to average assets | 0.2422% | 6,213 |
| Noninterest expense to average assets | 2.8551% | 4,252 |
| Loan and lease loss provision to assets | 0.5328% | 2,373 |
| Net operating income to assets | -0.1339% | 6,463 |
| Return on assets (ROA) | 0.0114% | 6,364 |
| Pretax return on assets | 0.0114% | 6,327 |
| Return on Equity (ROE) | 0.1647% | 6,362 |
| Retained earnings to average equity (ytd only) | 0.1647% | 5,759 |
| Net charge-offs to loans | 0.7490% | 2,011 |
| Credit loss provision to net charge-offs | 95.4082% | 3,540 |
| Earnings coverage of net charge-offs (x) | 0.7143% | 4,391 |
| Efficiency ratio | 87.7408% | 1,613 |
| Assets per employee ($millions) | 5.7242% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4432% | 4,193 |
| Loan loss allowance to noncurrent loans | 68.7904% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 1.9741% | 3,532 |
| Noncurrent loans to loans | 2.0979% | 3,660 |
| Net loans and leases to total assets | 71.1044% | 2,674 |
| Net loans and leases to deposits | 78.9133% | 3,859 |
| Net loans and leases to core deposits | 84.4754% | 4,139 |
| Total domestic deposits to total assets | 90.1045% | 934 |
| Equity capital to assets | 6.7950% | 7,452 |
| Core capital (leverage) ratio | 6.8645% | 7,318 |
| Tier 1 risk-based capital ratio | 9.4175% | 7,344 |
| Total risk-based capital ratio | 10.6705% | 7,342 |
| Memoranda: | ||
| Average total assets | $140,381,500 | 4,187 |
| Average earning assets | $130,555,500 | 4,139 |
| Average equity | $9,715,500 | 5,319 |
| Average total loans | $104,677,500 | 3,805 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2801% | 5,284 |
| Cost of funding earning assets | 2.2755% | 1,751 |
| Net interest margin | 3.0046% | 6,637 |
| Noninterest income to average assets | 0.1997% | 6,671 |
| Noninterest expense to average assets | 3.2107% | 3,341 |
| Loan and lease loss provision to assets | 0.5432% | 3,655 |
| Net operating income to assets | -0.6892% | 6,357 |
| Return on assets (ROA) | -0.6030% | 6,267 |
| Pretax return on assets | -0.6030% | 6,096 |
| Return on Equity (ROE) | -8.3066% | 6,495 |
| Retained earnings to average equity (ytd only) | -8.3066% | 6,379 |
| Net charge-offs to loans | 0.8340% | 2,741 |
| Credit loss provision to net charge-offs | 79.1621% | 6,303 |
| Earnings coverage of net charge-offs (x) | -0.2128% | 6,462 |
| Efficiency ratio | 104.7643% | 935 |
| Assets per employee ($millions) | 5.0984% | 2,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4127% | 4,163 |
| Loan loss allowance to noncurrent loans | 67.5834% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 1.9752% | 3,430 |
| Noncurrent loans to loans | 2.0903% | 3,533 |
| Net loans and leases to total assets | 75.9941% | 1,798 |
| Net loans and leases to deposits | 83.9280% | 3,289 |
| Net loans and leases to core deposits | 121.8274% | 1,794 |
| Total domestic deposits to total assets | 90.5469% | 720 |
| Equity capital to assets | 7.0515% | 7,347 |
| Core capital (leverage) ratio | 6.9916% | 7,247 |
| Tier 1 risk-based capital ratio | 9.3045% | 7,329 |
| Total risk-based capital ratio | 10.5663% | 7,310 |
| Memoranda: | ||
| Average total assets | $132,182,400 | 4,296 |
| Average earning assets | $126,039,200 | 4,171 |
| Average equity | $9,594,800 | 5,417 |
| Average total loans | $108,747,600 | 3,722 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3146% | 5,349 |
| Cost of funding earning assets | 2.3891% | 1,669 |
| Net interest margin | 2.9255% | 6,790 |
| Noninterest income to average assets | 0.2008% | 6,775 |
| Noninterest expense to average assets | 3.2636% | 3,060 |
| Loan and lease loss provision to assets | 0.1804% | 5,559 |
| Net operating income to assets | -0.4362% | 6,362 |
| Return on assets (ROA) | -0.3190% | 6,238 |
| Pretax return on assets | -0.3190% | 6,117 |
| Return on Equity (ROE) | -4.3622% | 6,384 |
| Retained earnings to average equity (ytd only) | -4.3622% | 6,166 |
| Net charge-offs to loans | 0.5118% | 3,167 |
| Credit loss provision to net charge-offs | 42.1429% | 6,400 |
| Earnings coverage of net charge-offs (x) | -0.5976% | 6,520 |
| Efficiency ratio | 108.5056% | 794 |
| Assets per employee ($millions) | 4.4332% | 2,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3276% | 4,335 |
| Loan loss allowance to noncurrent loans | 207.4605% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.9008% | 5,274 |
| Noncurrent loans to loans | 0.6399% | 6,018 |
| Net loans and leases to total assets | 80.8071% | 1,018 |
| Net loans and leases to deposits | 91.4227% | 2,331 |
| Net loans and leases to core deposits | 134.4783% | 1,180 |
| Total domestic deposits to total assets | 88.3885% | 1,480 |
| Equity capital to assets | 7.7438% | 7,106 |
| Core capital (leverage) ratio | 7.7547% | 6,661 |
| Tier 1 risk-based capital ratio | 9.6944% | 7,243 |
| Total risk-based capital ratio | 10.9457% | 7,195 |
| Memoranda: | ||
| Average total assets | $130,813,500 | 4,359 |
| Average earning assets | $125,513,000 | 4,217 |
| Average equity | $9,566,750 | 5,469 |
| Average total loans | $109,406,750 | 3,743 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3302% | 5,500 |
| Cost of funding earning assets | 2.5360% | 1,491 |
| Net interest margin | 2.7942% | 7,022 |
| Noninterest income to average assets | 0.2199% | 6,727 |
| Noninterest expense to average assets | 3.4393% | 2,513 |
| Loan and lease loss provision to assets | 0.2721% | 4,398 |
| Net operating income to assets | -0.8133% | 6,841 |
| Return on assets (ROA) | -0.7334% | 6,780 |
| Pretax return on assets | -0.7334% | 6,629 |
| Return on Equity (ROE) | -10.2331% | 7,052 |
| Retained earnings to average equity (ytd only) | -10.2331% | 6,894 |
| Net charge-offs to loans | 0.4819% | 2,902 |
| Credit loss provision to net charge-offs | 67.0455% | 5,475 |
| Earnings coverage of net charge-offs (x) | -1.3333% | 6,296 |
| Efficiency ratio | 118.6737% | 688 |
| Assets per employee ($millions) | 4.4317% | 2,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4559% | 3,435 |
| Loan loss allowance to noncurrent loans | 80.0200% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 1.5058% | 3,974 |
| Noncurrent loans to loans | 1.8194% | 3,784 |
| Net loans and leases to total assets | 81.5603% | 1,036 |
| Net loans and leases to deposits | 92.5538% | 2,359 |
| Net loans and leases to core deposits | 130.4179% | 1,529 |
| Total domestic deposits to total assets | 88.1220% | 1,706 |
| Equity capital to assets | 7.6065% | 7,172 |
| Core capital (leverage) ratio | 7.5070% | 7,002 |
| Tier 1 risk-based capital ratio | 9.5161% | 7,374 |
| Total risk-based capital ratio | 10.7784% | 7,323 |
| Memoranda: | ||
| Average total assets | $130,085,670 | 4,388 |
| Average earning assets | $124,686,000 | 4,248 |
| Average equity | $9,322,670 | 5,568 |
| Average total loans | $109,570,000 | 3,773 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3305% | 5,750 |
| Cost of funding earning assets | 2.7140% | 1,227 |
| Net interest margin | 2.6165% | 7,347 |
| Noninterest income to average assets | 0.1772% | 7,037 |
| Noninterest expense to average assets | 3.3081% | 2,634 |
| Loan and lease loss provision to assets | 0.5503% | 2,272 |
| Net operating income to assets | -1.1784% | 7,353 |
| Return on assets (ROA) | -1.0198% | 7,279 |
| Pretax return on assets | -1.0198% | 7,161 |
| Return on Equity (ROE) | -14.6962% | 7,592 |
| Retained earnings to average equity (ytd only) | -14.6962% | 7,421 |
| Net charge-offs to loans | 0.9658% | 1,384 |
| Credit loss provision to net charge-offs | 67.0455% | 4,401 |
| Earnings coverage of net charge-offs (x) | -0.7652% | 5,317 |
| Efficiency ratio | 123.4339% | 589 |
| Assets per employee ($millions) | 3.5437% | 4,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4413% | 3,282 |
| Loan loss allowance to noncurrent loans | 197.7778% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.6349% | 5,584 |
| Noncurrent loans to loans | 0.7287% | 5,602 |
| Net loans and leases to total assets | 85.8708% | 465 |
| Net loans and leases to deposits | 96.2966% | 1,900 |
| Net loans and leases to core deposits | 145.9317% | 864 |
| Total domestic deposits to total assets | 89.1733% | 1,160 |
| Equity capital to assets | 8.0691% | 6,712 |
| Core capital (leverage) ratio | 7.7556% | 6,815 |
| Tier 1 risk-based capital ratio | 9.6724% | 7,279 |
| Total risk-based capital ratio | 10.9257% | 7,194 |
| Memoranda: | ||
| Average total assets | $128,652,500 | 4,439 |
| Average earning assets | $123,065,500 | 4,302 |
| Average equity | $8,927,500 | 5,725 |
| Average total loans | $109,336,000 | 3,800 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2397% | 4,302 |
| Cost of funding earning assets | 3.0866% | 1,546 |
| Net interest margin | 3.1531% | 6,513 |
| Noninterest income to average assets | 0.2216% | 6,857 |
| Noninterest expense to average assets | 4.4474% | 911 |
| Loan and lease loss provision to assets | 1.2950% | 1,097 |
| Net operating income to assets | -2.5668% | 7,726 |
| Return on assets (ROA) | -2.4997% | 7,682 |
| Pretax return on assets | -2.4997% | 7,592 |
| Return on Equity (ROE) | -27.3327% | 7,909 |
| Retained earnings to average equity (ytd only) | -27.3327% | 7,859 |
| Net charge-offs to loans | 0.2969% | 3,411 |
| Credit loss provision to net charge-offs | 545.4902% | 803 |
| Earnings coverage of net charge-offs (x) | -5.3569% | 6,842 |
| Efficiency ratio | 140.0469% | 402 |
| Assets per employee ($millions) | 3.4140% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5708% | 2,360 |
| Loan loss allowance to noncurrent loans | 572.5424% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 6,666 |
| Noncurrent loans to loans | 0.2744% | 6,551 |
| Net loans and leases to total assets | 81.5782% | 1,306 |
| Net loans and leases to deposits | 89.2691% | 3,582 |
| Net loans and leases to core deposits | 117.3979% | 2,960 |
| Total domestic deposits to total assets | 91.3845% | 227 |
| Equity capital to assets | 5.8282% | 8,089 |
| Core capital (leverage) ratio | 5.7974% | 8,130 |
| Tier 1 risk-based capital ratio | 7.0588% | 8,166 |
| Total risk-based capital ratio | 8.3226% | 8,178 |
| Memoranda: | ||
| Average total assets | $107,411,600 | 4,848 |
| Average earning assets | $100,630,000 | 4,789 |
| Average equity | $9,823,400 | 5,463 |
| Average total loans | $85,884,600 | 4,334 |