Home > Delta Bank > Performance and Condition Ratios
Delta Bank, Performance and Condition Ratios
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1880% | 5,381 |
| Cost of funding earning assets | 0.0332% | 5,924 |
| Net interest margin | 3.1548% | 4,623 |
| Noninterest income to average assets | 0.2397% | 5,040 |
| Noninterest expense to average assets | 4.8949% | 288 |
| Loan and lease loss provision to assets | -0.3503% | 5,921 |
| Net operating income to assets | -1.4768% | 5,928 |
| Return on assets (ROA) | -1.4768% | 5,928 |
| Pretax return on assets | -1.4743% | 5,923 |
| Return on Equity (ROE) | -19.0964% | 5,942 |
| Retained earnings to average equity (ytd only) | -19.0964% | 5,910 |
| Net charge-offs to loans | -0.9009% | 5,916 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 159.4256% | 31 |
| Assets per employee ($millions) | 3.6195% | 4,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 2,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.2726% | 326 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 36.0587% | 5,550 |
| Net loans and leases to deposits | 38.7596% | 5,662 |
| Net loans and leases to core deposits | 40.0685% | 5,679 |
| Total domestic deposits to total assets | 93.0316% | 32 |
| Equity capital to assets | 6.6627% | 5,910 |
| Core capital (leverage) ratio | 7.0558% | 5,874 |
| Tier 1 risk-based capital ratio | 16.4271% | 2,447 |
| Total risk-based capital ratio | 17.6791% | 2,398 |
| Memoranda: | ||
| Average total assets | $107,347,250 | 4,251 |
| Average earning assets | $96,316,500 | 4,301 |
| Average equity | $8,301,500 | 4,935 |
| Average total loans | $41,736,750 | 4,864 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4112% | 5,055 |
| Cost of funding earning assets | 0.0340% | 6,003 |
| Net interest margin | 3.3772% | 3,974 |
| Noninterest income to average assets | 0.1986% | 5,308 |
| Noninterest expense to average assets | 4.2411% | 470 |
| Loan and lease loss provision to assets | -0.5334% | 6,024 |
| Net operating income to assets | -0.5070% | 5,924 |
| Return on assets (ROA) | -0.5070% | 5,927 |
| Pretax return on assets | -0.5032% | 5,921 |
| Return on Equity (ROE) | -6.2495% | 5,946 |
| Retained earnings to average equity (ytd only) | -6.2495% | 5,796 |
| Net charge-offs to loans | -1.3439% | 6,001 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.3495% | 60 |
| Assets per employee ($millions) | 3.1139% | 5,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4401% | 2,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.0831% | 211 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 36.9253% | 5,562 |
| Net loans and leases to deposits | 40.1843% | 5,687 |
| Net loans and leases to core deposits | 41.6176% | 5,693 |
| Total domestic deposits to total assets | 91.8897% | 96 |
| Equity capital to assets | 7.7625% | 5,869 |
| Core capital (leverage) ratio | 7.9823% | 5,737 |
| Tier 1 risk-based capital ratio | 18.6169% | 1,773 |
| Total risk-based capital ratio | 19.8672% | 1,740 |
| Memoranda: | ||
| Average total assets | $105,727,670 | 4,321 |
| Average earning assets | $94,102,330 | 4,382 |
| Average equity | $8,576,670 | 4,906 |
| Average total loans | $41,966,330 | 4,902 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1896% | 5,494 |
| Cost of funding earning assets | 0.0349% | 6,066 |
| Net interest margin | 3.1547% | 4,721 |
| Noninterest income to average assets | 0.3112% | 4,508 |
| Noninterest expense to average assets | 3.7887% | 789 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.6993% | 6,000 |
| Return on assets (ROA) | -0.6993% | 6,001 |
| Pretax return on assets | -0.6993% | 5,991 |
| Return on Equity (ROE) | -8.4308% | 6,012 |
| Retained earnings to average equity (ytd only) | -8.4308% | 5,764 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.6368% | 92 |
| Assets per employee ($millions) | 2.8660% | 5,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3792% | 2,519 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 6.4418% | 105 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 39.6484% | 5,468 |
| Net loans and leases to deposits | 43.2703% | 5,618 |
| Net loans and leases to core deposits | 44.7429% | 5,631 |
| Total domestic deposits to total assets | 91.6297% | 143 |
| Equity capital to assets | 8.0657% | 5,797 |
| Core capital (leverage) ratio | 8.3175% | 5,553 |
| Tier 1 risk-based capital ratio | 17.4238% | 2,146 |
| Total risk-based capital ratio | 18.6604% | 2,121 |
| Memoranda: | ||
| Average total assets | $104,099,000 | 4,386 |
| Average earning assets | $91,673,000 | 4,464 |
| Average equity | $8,635,000 | 4,928 |
| Average total loans | $42,534,000 | 4,916 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0266% | 5,705 |
| Cost of funding earning assets | 0.0360% | 6,122 |
| Net interest margin | 2.9906% | 5,160 |
| Noninterest income to average assets | 1.1823% | 856 |
| Noninterest expense to average assets | 4.1324% | 582 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.3728% | 6,012 |
| Return on assets (ROA) | -0.3728% | 6,022 |
| Pretax return on assets | -0.3708% | 6,005 |
| Return on Equity (ROE) | -4.3549% | 6,035 |
| Retained earnings to average equity (ytd only) | -4.3549% | 5,883 |
| Net charge-offs to loans | 0.0363% | 3,494 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -27.2857% | 4,446 |
| Efficiency ratio | 109.8581% | 143 |
| Assets per employee ($millions) | 2.7604% | 5,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 2,496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 6.6882% | 112 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 40.9732% | 5,464 |
| Net loans and leases to deposits | 44.9273% | 5,617 |
| Net loans and leases to core deposits | 46.5247% | 5,624 |
| Total domestic deposits to total assets | 91.1989% | 240 |
| Equity capital to assets | 8.5426% | 5,529 |
| Core capital (leverage) ratio | 8.4998% | 5,435 |
| Tier 1 risk-based capital ratio | 17.7843% | 2,026 |
| Total risk-based capital ratio | 19.0212% | 1,980 |
| Memoranda: | ||
| Average total assets | $103,016,200 | 4,405 |
| Average earning assets | $88,846,000 | 4,525 |
| Average equity | $8,817,600 | 4,889 |
| Average total loans | $38,617,600 | 5,064 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9945% | 5,813 |
| Cost of funding earning assets | 0.0361% | 6,210 |
| Net interest margin | 2.9585% | 5,290 |
| Noninterest income to average assets | 0.4753% | 3,536 |
| Noninterest expense to average assets | 4.2826% | 499 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -1.2670% | 6,205 |
| Return on assets (ROA) | -1.2670% | 6,205 |
| Pretax return on assets | -1.2644% | 6,204 |
| Return on Equity (ROE) | -14.7948% | 6,210 |
| Retained earnings to average equity (ytd only) | -14.7948% | 6,176 |
| Net charge-offs to loans | 0.1912% | 1,337 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -18.1292% | 4,152 |
| Efficiency ratio | 141.8913% | 50 |
| Assets per employee ($millions) | 2.8174% | 5,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 2,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 7.2351% | 103 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 36.7242% | 5,764 |
| Net loans and leases to deposits | 40.0151% | 5,864 |
| Net loans and leases to core deposits | 41.3985% | 5,873 |
| Total domestic deposits to total assets | 91.7759% | 117 |
| Equity capital to assets | 7.9191% | 5,986 |
| Core capital (leverage) ratio | 8.0349% | 5,882 |
| Tier 1 risk-based capital ratio | 16.9824% | 2,385 |
| Total risk-based capital ratio | 18.1666% | 2,356 |
| Memoranda: | ||
| Average total assets | $103,236,500 | 4,446 |
| Average earning assets | $88,737,000 | 4,582 |
| Average equity | $8,840,750 | 4,945 |
| Average total loans | $37,663,000 | 5,152 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0699% | 5,776 |
| Cost of funding earning assets | 0.0341% | 6,287 |
| Net interest margin | 3.0358% | 5,133 |
| Noninterest income to average assets | 0.6861% | 2,273 |
| Noninterest expense to average assets | 3.9902% | 680 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.7114% | 6,225 |
| Return on assets (ROA) | -0.7114% | 6,228 |
| Pretax return on assets | -0.7075% | 6,218 |
| Return on Equity (ROE) | -8.1009% | 6,237 |
| Retained earnings to average equity (ytd only) | -8.1009% | 6,131 |
| Net charge-offs to loans | 0.2897% | 903 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -6.7407% | 3,831 |
| Efficiency ratio | 121.5512% | 103 |
| Assets per employee ($millions) | 2.8449% | 5,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4411% | 2,556 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 7.5250% | 102 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 36.5932% | 5,789 |
| Net loans and leases to deposits | 40.2254% | 5,891 |
| Net loans and leases to core deposits | 41.6547% | 5,912 |
| Total domestic deposits to total assets | 90.9703% | 300 |
| Equity capital to assets | 8.6996% | 5,523 |
| Core capital (leverage) ratio | 8.6093% | 5,430 |
| Tier 1 risk-based capital ratio | 18.9026% | 1,810 |
| Total risk-based capital ratio | 20.1299% | 1,785 |
| Memoranda: | ||
| Average total assets | $102,901,330 | 4,494 |
| Average earning assets | $88,016,330 | 4,637 |
| Average equity | $9,036,000 | 4,938 |
| Average total loans | $37,274,000 | 5,206 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8810% | 6,011 |
| Cost of funding earning assets | 0.0364% | 6,360 |
| Net interest margin | 2.8447% | 5,561 |
| Noninterest income to average assets | 0.3413% | 4,467 |
| Noninterest expense to average assets | 3.9053% | 763 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -1.1363% | 6,331 |
| Return on assets (ROA) | -1.1363% | 6,333 |
| Pretax return on assets | -1.1363% | 6,323 |
| Return on Equity (ROE) | -12.8805% | 6,333 |
| Retained earnings to average equity (ytd only) | -12.8805% | 6,193 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.0364% | 60 |
| Assets per employee ($millions) | 2.9801% | 5,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5691% | 2,162 |
| Loan loss allowance to noncurrent loans | 1,543.5897% | 382 |
| Noncurrent assets plus other real estate owned to assets | 8.7455% | 85 |
| Noncurrent loans to loans | 0.1016% | 5,390 |
| Net loans and leases to total assets | 36.2063% | 5,817 |
| Net loans and leases to deposits | 39.7363% | 5,924 |
| Net loans and leases to core deposits | 41.1200% | 5,932 |
| Total domestic deposits to total assets | 91.1164% | 330 |
| Equity capital to assets | 8.5835% | 5,677 |
| Core capital (leverage) ratio | 8.7978% | 5,205 |
| Tier 1 risk-based capital ratio | 18.3878% | 2,038 |
| Total risk-based capital ratio | 19.6374% | 1,991 |
| Memoranda: | ||
| Average total assets | $103,143,000 | 4,522 |
| Average earning assets | $88,024,000 | 4,674 |
| Average equity | $9,099,000 | 4,964 |
| Average total loans | $36,898,000 | 5,251 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1865% | 5,851 |
| Cost of funding earning assets | 0.0374% | 6,445 |
| Net interest margin | 3.1492% | 5,073 |
| Noninterest income to average assets | 1.2284% | 797 |
| Noninterest expense to average assets | 4.7669% | 371 |
| Loan and lease loss provision to assets | -0.1618% | 6,242 |
| Net operating income to assets | -0.7370% | 6,341 |
| Return on assets (ROA) | -0.7370% | 6,336 |
| Pretax return on assets | -0.7350% | 6,326 |
| Return on Equity (ROE) | -8.7182% | 6,345 |
| Retained earnings to average equity (ytd only) | -8.7182% | 6,280 |
| Net charge-offs to loans | 0.0118% | 4,667 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,039 |
| Earnings coverage of net charge-offs (x) | -221.7500% | 4,962 |
| Efficiency ratio | 123.1714% | 111 |
| Assets per employee ($millions) | 2.9144% | 5,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6992% | 1,775 |
| Loan loss allowance to noncurrent loans | 1,157.6923% | 527 |
| Noncurrent assets plus other real estate owned to assets | 8.9820% | 99 |
| Noncurrent loans to loans | 0.1468% | 5,304 |
| Net loans and leases to total assets | 34.1428% | 6,027 |
| Net loans and leases to deposits | 37.6928% | 6,114 |
| Net loans and leases to core deposits | 39.0437% | 6,119 |
| Total domestic deposits to total assets | 90.5817% | 504 |
| Equity capital to assets | 9.0908% | 5,193 |
| Core capital (leverage) ratio | 9.1647% | 4,724 |
| Tier 1 risk-based capital ratio | 20.1531% | 1,564 |
| Total risk-based capital ratio | 21.4048% | 1,537 |
| Memoranda: | ||
| Average total assets | $98,911,200 | 4,630 |
| Average earning assets | $82,974,200 | 4,822 |
| Average equity | $8,361,800 | 5,112 |
| Average total loans | $34,010,600 | 5,397 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1788% | 5,925 |
| Cost of funding earning assets | 0.0374% | 6,529 |
| Net interest margin | 3.1414% | 5,141 |
| Noninterest income to average assets | 1.5053% | 555 |
| Noninterest expense to average assets | 4.3285% | 542 |
| Loan and lease loss provision to assets | -0.2174% | 6,404 |
| Net operating income to assets | 0.0149% | 6,129 |
| Return on assets (ROA) | 0.0149% | 6,146 |
| Pretax return on assets | 0.0177% | 6,134 |
| Return on Equity (ROE) | 0.1804% | 6,139 |
| Retained earnings to average equity (ytd only) | 0.1804% | 5,750 |
| Net charge-offs to loans | 0.0158% | 4,228 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,027 |
| Earnings coverage of net charge-offs (x) | -36.7730% | 4,670 |
| Efficiency ratio | 104.8371% | 282 |
| Assets per employee ($millions) | 2.8233% | 5,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7354% | 1,866 |
| Loan loss allowance to noncurrent loans | 898.5075% | 624 |
| Noncurrent assets plus other real estate owned to assets | 9.0625% | 112 |
| Noncurrent loans to loans | 0.1931% | 5,328 |
| Net loans and leases to total assets | 33.5373% | 6,134 |
| Net loans and leases to deposits | 36.5063% | 6,228 |
| Net loans and leases to core deposits | 37.8001% | 6,245 |
| Total domestic deposits to total assets | 91.8673% | 173 |
| Equity capital to assets | 7.8238% | 6,204 |
| Core capital (leverage) ratio | 7.9275% | 6,116 |
| Tier 1 risk-based capital ratio | 17.1122% | 2,570 |
| Total risk-based capital ratio | 18.3627% | 2,523 |
| Memoranda: | ||
| Average total assets | $98,138,000 | 4,692 |
| Average earning assets | $81,957,000 | 4,904 |
| Average equity | $8,134,000 | 5,211 |
| Average total loans | $33,656,000 | 5,467 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2891% | 5,811 |
| Cost of funding earning assets | 0.0372% | 6,596 |
| Net interest margin | 3.2519% | 4,772 |
| Noninterest income to average assets | 2.3388% | 270 |
| Noninterest expense to average assets | 4.3972% | 503 |
| Loan and lease loss provision to assets | -0.2269% | 6,490 |
| Net operating income to assets | 0.8662% | 2,971 |
| Return on assets (ROA) | 0.8662% | 3,063 |
| Pretax return on assets | 0.8704% | 3,996 |
| Return on Equity (ROE) | 10.2506% | 2,035 |
| Retained earnings to average equity (ytd only) | 10.2506% | 666 |
| Net charge-offs to loans | 0.0240% | 3,717 |
| Credit loss provision to net charge-offs | -2,750.0000% | 5,854 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 676 |
| Efficiency ratio | 87.2340% | 1,161 |
| Assets per employee ($millions) | 2.7764% | 6,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9383% | 1,485 |
| Loan loss allowance to noncurrent loans | 701.0753% | 690 |
| Noncurrent assets plus other real estate owned to assets | 9.6887% | 102 |
| Noncurrent loans to loans | 0.2765% | 5,189 |
| Net loans and leases to total assets | 33.9439% | 6,146 |
| Net loans and leases to deposits | 37.2535% | 6,253 |
| Net loans and leases to core deposits | 38.3431% | 6,264 |
| Total domestic deposits to total assets | 91.1160% | 375 |
| Equity capital to assets | 8.6318% | 5,682 |
| Core capital (leverage) ratio | 8.5331% | 5,602 |
| Tier 1 risk-based capital ratio | 18.4830% | 2,074 |
| Total risk-based capital ratio | 19.7369% | 2,029 |
| Memoranda: | ||
| Average total assets | $96,971,000 | 4,753 |
| Average earning assets | $80,568,000 | 4,969 |
| Average equity | $8,194,670 | 5,214 |
| Average total loans | $33,311,670 | 5,522 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2809% | 5,880 |
| Cost of funding earning assets | 0.0400% | 6,671 |
| Net interest margin | 3.2410% | 4,776 |
| Noninterest income to average assets | 2.6799% | 216 |
| Noninterest expense to average assets | 4.2697% | 566 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0901% | 1,850 |
| Return on assets (ROA) | 1.0901% | 1,914 |
| Pretax return on assets | 1.0901% | 2,957 |
| Return on Equity (ROE) | 13.0403% | 1,151 |
| Retained earnings to average equity (ytd only) | 13.0403% | 479 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6610% | 2,252 |
| Assets per employee ($millions) | 2.7237% | 6,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2587% | 1,090 |
| Loan loss allowance to noncurrent loans | 806.3158% | 629 |
| Noncurrent assets plus other real estate owned to assets | 9.7691% | 117 |
| Noncurrent loans to loans | 0.2801% | 5,269 |
| Net loans and leases to total assets | 33.8059% | 6,189 |
| Net loans and leases to deposits | 36.9815% | 6,284 |
| Net loans and leases to core deposits | 37.5117% | 6,326 |
| Total domestic deposits to total assets | 91.4129% | 409 |
| Equity capital to assets | 8.3587% | 5,777 |
| Core capital (leverage) ratio | 8.3768% | 5,772 |
| Tier 1 risk-based capital ratio | 18.0014% | 2,294 |
| Total risk-based capital ratio | 19.2568% | 2,274 |
| Memoranda: | ||
| Average total assets | $96,869,000 | 4,800 |
| Average earning assets | $80,099,500 | 5,023 |
| Average equity | $8,098,000 | 5,263 |
| Average total loans | $33,149,000 | 5,581 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7780% | 4,885 |
| Cost of funding earning assets | 0.0469% | 6,750 |
| Net interest margin | 3.7310% | 2,936 |
| Noninterest income to average assets | 0.5417% | 3,460 |
| Noninterest expense to average assets | 5.2192% | 296 |
| Loan and lease loss provision to assets | -0.2091% | 6,606 |
| Net operating income to assets | -1.4776% | 6,674 |
| Return on assets (ROA) | -1.4776% | 6,671 |
| Pretax return on assets | -1.4755% | 6,662 |
| Return on Equity (ROE) | -16.2216% | 6,657 |
| Retained earnings to average equity (ytd only) | -16.2216% | 6,634 |
| Net charge-offs to loans | -0.3308% | 6,685 |
| Credit loss provision to net charge-offs | 176.9912% | 1,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 147.6627% | 67 |
| Assets per employee ($millions) | 2.6579% | 6,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3654% | 965 |
| Loan loss allowance to noncurrent loans | 702.7523% | 711 |
| Noncurrent assets plus other real estate owned to assets | 12.2863% | 76 |
| Noncurrent loans to loans | 0.3366% | 5,177 |
| Net loans and leases to total assets | 33.0442% | 6,333 |
| Net loans and leases to deposits | 36.1750% | 6,419 |
| Net loans and leases to core deposits | 36.8272% | 6,445 |
| Total domestic deposits to total assets | 91.3455% | 455 |
| Equity capital to assets | 8.3609% | 5,726 |
| Core capital (leverage) ratio | 8.0950% | 6,060 |
| Tier 1 risk-based capital ratio | 17.2305% | 2,516 |
| Total risk-based capital ratio | 18.4868% | 2,489 |
| Memoranda: | ||
| Average total assets | $95,627,200 | 4,846 |
| Average earning assets | $76,708,000 | 5,125 |
| Average equity | $8,710,600 | 5,158 |
| Average total loans | $34,158,600 | 5,578 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9621% | 4,278 |
| Cost of funding earning assets | 0.0471% | 6,834 |
| Net interest margin | 3.9150% | 2,217 |
| Noninterest income to average assets | 0.1827% | 6,098 |
| Noninterest expense to average assets | 5.4036% | 265 |
| Loan and lease loss provision to assets | -0.2789% | 6,763 |
| Net operating income to assets | -1.8170% | 6,791 |
| Return on assets (ROA) | -1.8170% | 6,795 |
| Pretax return on assets | -1.8142% | 6,792 |
| Return on Equity (ROE) | -19.5459% | 6,767 |
| Retained earnings to average equity (ytd only) | -19.5459% | 6,752 |
| Net charge-offs to loans | -0.2890% | 6,720 |
| Credit loss provision to net charge-offs | 266.6667% | 941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 163.2266% | 56 |
| Assets per employee ($millions) | 2.8805% | 6,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3067% | 1,175 |
| Loan loss allowance to noncurrent loans | 37.4293% | 5,724 |
| Noncurrent assets plus other real estate owned to assets | 13.9326% | 63 |
| Noncurrent loans to loans | 6.1629% | 396 |
| Net loans and leases to total assets | 31.4818% | 6,476 |
| Net loans and leases to deposits | 34.4838% | 6,554 |
| Net loans and leases to core deposits | 35.2515% | 6,585 |
| Total domestic deposits to total assets | 91.2943% | 425 |
| Equity capital to assets | 8.4361% | 5,810 |
| Core capital (leverage) ratio | 8.4227% | 5,838 |
| Tier 1 risk-based capital ratio | 17.4389% | 2,527 |
| Total risk-based capital ratio | 18.6928% | 2,505 |
| Memoranda: | ||
| Average total assets | $95,613,000 | 4,890 |
| Average earning assets | $76,388,500 | 5,184 |
| Average equity | $8,888,250 | 5,166 |
| Average total loans | $34,602,250 | 5,606 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4711% | 2,300 |
| Cost of funding earning assets | 0.0504% | 6,881 |
| Net interest margin | 4.4206% | 818 |
| Noninterest income to average assets | 0.1265% | 6,422 |
| Noninterest expense to average assets | 5.8035% | 225 |
| Loan and lease loss provision to assets | -0.4218% | 6,861 |
| Net operating income to assets | -1.7482% | 6,833 |
| Return on assets (ROA) | -1.7482% | 6,835 |
| Pretax return on assets | -1.7440% | 6,826 |
| Return on Equity (ROE) | -18.2258% | 6,815 |
| Retained earnings to average equity (ytd only) | -18.2258% | 6,788 |
| Net charge-offs to loans | -0.4212% | 6,808 |
| Credit loss provision to net charge-offs | 266.6667% | 945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 159.5362% | 58 |
| Assets per employee ($millions) | 2.5511% | 6,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3181% | 1,228 |
| Loan loss allowance to noncurrent loans | 37.1618% | 5,744 |
| Noncurrent assets plus other real estate owned to assets | 15.8617% | 48 |
| Noncurrent loans to loans | 6.2379% | 428 |
| Net loans and leases to total assets | 32.4999% | 6,485 |
| Net loans and leases to deposits | 35.9742% | 6,560 |
| Net loans and leases to core deposits | 36.8148% | 6,576 |
| Total domestic deposits to total assets | 90.3423% | 833 |
| Equity capital to assets | 9.3748% | 4,749 |
| Core capital (leverage) ratio | 9.0215% | 4,949 |
| Tier 1 risk-based capital ratio | 17.3584% | 2,571 |
| Total risk-based capital ratio | 18.6125% | 2,541 |
| Memoranda: | ||
| Average total assets | $94,838,670 | 4,938 |
| Average earning assets | $75,328,670 | 5,244 |
| Average equity | $9,097,000 | 5,151 |
| Average total loans | $35,616,330 | 5,593 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3339% | 6,083 |
| Cost of funding earning assets | 0.0577% | 6,959 |
| Net interest margin | 3.2762% | 4,606 |
| Noninterest income to average assets | 0.2440% | 5,708 |
| Noninterest expense to average assets | 4.9567% | 380 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -2.0828% | 6,932 |
| Return on assets (ROA) | -2.0828% | 6,932 |
| Pretax return on assets | -2.0828% | 6,921 |
| Return on Equity (ROE) | -21.4727% | 6,904 |
| Retained earnings to average equity (ytd only) | -21.4727% | 6,845 |
| Net charge-offs to loans | 0.8165% | 739 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -6.4286% | 4,085 |
| Efficiency ratio | 172.4744% | 59 |
| Assets per employee ($millions) | 2.7231% | 6,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1532% | 1,682 |
| Loan loss allowance to noncurrent loans | 19.8720% | 6,349 |
| Noncurrent assets plus other real estate owned to assets | 18.2721% | 38 |
| Noncurrent loans to loans | 10.8352% | 178 |
| Net loans and leases to total assets | 36.9997% | 6,224 |
| Net loans and leases to deposits | 40.9946% | 6,380 |
| Net loans and leases to core deposits | 41.9435% | 6,405 |
| Total domestic deposits to total assets | 90.2549% | 902 |
| Equity capital to assets | 9.4818% | 4,873 |
| Core capital (leverage) ratio | 9.3181% | 4,369 |
| Tier 1 risk-based capital ratio | 17.2790% | 2,652 |
| Total risk-based capital ratio | 18.5330% | 2,617 |
| Memoranda: | ||
| Average total assets | $95,062,500 | 4,977 |
| Average earning assets | $76,308,000 | 5,260 |
| Average equity | $9,221,000 | 5,178 |
| Average total loans | $37,722,000 | 5,555 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9404% | 5,470 |
| Cost of funding earning assets | 0.1794% | 6,873 |
| Net interest margin | 3.7610% | 3,388 |
| Noninterest income to average assets | 1.6478% | 586 |
| Noninterest expense to average assets | 5.1977% | 332 |
| Loan and lease loss provision to assets | 0.0766% | 4,758 |
| Net operating income to assets | -0.5639% | 6,602 |
| Return on assets (ROA) | -0.5578% | 6,630 |
| Pretax return on assets | -0.5578% | 6,600 |
| Return on Equity (ROE) | -5.7725% | 6,620 |
| Retained earnings to average equity (ytd only) | -5.7725% | 6,470 |
| Net charge-offs to loans | 1.3898% | 663 |
| Credit loss provision to net charge-offs | 11.9617% | 5,376 |
| Earnings coverage of net charge-offs (x) | -0.7608% | 5,725 |
| Efficiency ratio | 110.3448% | 329 |
| Assets per employee ($millions) | 2.7090% | 6,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1648% | 1,616 |
| Loan loss allowance to noncurrent loans | 12.6558% | 6,525 |
| Noncurrent assets plus other real estate owned to assets | 18.6825% | 34 |
| Noncurrent loans to loans | 17.1049% | 54 |
| Net loans and leases to total assets | 40.6587% | 6,127 |
| Net loans and leases to deposits | 45.2487% | 6,288 |
| Net loans and leases to core deposits | 46.4879% | 6,345 |
| Total domestic deposits to total assets | 89.8561% | 1,036 |
| Equity capital to assets | 9.9192% | 4,282 |
| Core capital (leverage) ratio | 9.4982% | 4,102 |
| Tier 1 risk-based capital ratio | 18.0204% | 2,253 |
| Total risk-based capital ratio | 19.2766% | 2,228 |
| Memoranda: | ||
| Average total assets | $97,889,200 | 4,891 |
| Average earning assets | $79,713,400 | 5,133 |
| Average equity | $9,458,600 | 5,115 |
| Average total loans | $45,114,800 | 5,281 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9464% | 5,667 |
| Cost of funding earning assets | 0.1957% | 6,959 |
| Net interest margin | 3.7508% | 3,550 |
| Noninterest income to average assets | 1.3744% | 790 |
| Noninterest expense to average assets | 5.1963% | 326 |
| Loan and lease loss provision to assets | 0.1014% | 4,307 |
| Net operating income to assets | -0.8663% | 6,824 |
| Return on assets (ROA) | -0.8582% | 6,846 |
| Pretax return on assets | -0.8582% | 6,819 |
| Return on Equity (ROE) | -8.9385% | 6,841 |
| Retained earnings to average equity (ytd only) | -8.9385% | 6,787 |
| Net charge-offs to loans | 0.9454% | 1,146 |
| Credit loss provision to net charge-offs | 22.7273% | 4,912 |
| Earnings coverage of net charge-offs (x) | -1.7152% | 5,631 |
| Efficiency ratio | 117.2614% | 214 |
| Assets per employee ($millions) | 2.6826% | 6,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8820% | 818 |
| Loan loss allowance to noncurrent loans | 16.3934% | 6,567 |
| Noncurrent assets plus other real estate owned to assets | 19.9950% | 34 |
| Noncurrent loans to loans | 17.5801% | 64 |
| Net loans and leases to total assets | 39.0439% | 6,345 |
| Net loans and leases to deposits | 43.1313% | 6,546 |
| Net loans and leases to core deposits | 45.5072% | 6,535 |
| Total domestic deposits to total assets | 90.5234% | 592 |
| Equity capital to assets | 9.2459% | 5,541 |
| Core capital (leverage) ratio | 9.3452% | 4,511 |
| Tier 1 risk-based capital ratio | 15.9448% | 3,294 |
| Total risk-based capital ratio | 17.2043% | 3,262 |
| Memoranda: | ||
| Average total assets | $98,657,500 | 4,913 |
| Average earning assets | $80,408,000 | 5,165 |
| Average equity | $9,472,000 | 5,161 |
| Average total loans | $46,542,500 | 5,295 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0106% | 5,609 |
| Cost of funding earning assets | 0.1886% | 7,052 |
| Net interest margin | 3.8220% | 3,259 |
| Noninterest income to average assets | 1.5418% | 620 |
| Noninterest expense to average assets | 5.2936% | 311 |
| Loan and lease loss provision to assets | 0.1523% | 3,623 |
| Net operating income to assets | -0.7760% | 6,848 |
| Return on assets (ROA) | -0.7638% | 6,869 |
| Pretax return on assets | -0.7638% | 6,834 |
| Return on Equity (ROE) | -7.8576% | 6,858 |
| Retained earnings to average equity (ytd only) | -7.8576% | 6,759 |
| Net charge-offs to loans | 1.3537% | 769 |
| Credit loss provision to net charge-offs | 22.7273% | 4,562 |
| Earnings coverage of net charge-offs (x) | -0.9303% | 5,299 |
| Efficiency ratio | 113.3536% | 289 |
| Assets per employee ($millions) | 2.8075% | 6,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3879% | 1,435 |
| Loan loss allowance to noncurrent loans | 11.9270% | 6,689 |
| Noncurrent assets plus other real estate owned to assets | 21.5125% | 30 |
| Noncurrent loans to loans | 20.0212% | 46 |
| Net loans and leases to total assets | 49.2468% | 5,450 |
| Net loans and leases to deposits | 54.8312% | 5,786 |
| Net loans and leases to core deposits | 56.1798% | 5,929 |
| Total domestic deposits to total assets | 89.8152% | 1,034 |
| Equity capital to assets | 9.9124% | 4,463 |
| Core capital (leverage) ratio | 9.8192% | 3,688 |
| Tier 1 risk-based capital ratio | 15.0960% | 3,712 |
| Total risk-based capital ratio | 16.3537% | 3,664 |
| Memoranda: | ||
| Average total assets | $98,458,330 | 4,942 |
| Average earning assets | $80,585,670 | 5,188 |
| Average equity | $9,570,330 | 5,139 |
| Average total loans | $48,755,670 | 5,248 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9753% | 5,840 |
| Cost of funding earning assets | 0.1610% | 7,166 |
| Net interest margin | 3.8143% | 3,322 |
| Noninterest income to average assets | 0.3722% | 4,884 |
| Noninterest expense to average assets | 5.1501% | 333 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.6487% | 7,119 |
| Return on assets (ROA) | -1.6487% | 7,121 |
| Pretax return on assets | -1.6487% | 7,097 |
| Return on Equity (ROE) | -17.1230% | 7,085 |
| Retained earnings to average equity (ytd only) | -17.1230% | 7,010 |
| Net charge-offs to loans | 2.4707% | 338 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -1.3597% | 4,579 |
| Efficiency ratio | 147.0857% | 115 |
| Assets per employee ($millions) | 2.4843% | 6,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3407% | 1,603 |
| Loan loss allowance to noncurrent loans | 9.1948% | 6,757 |
| Noncurrent assets plus other real estate owned to assets | 23.2050% | 24 |
| Noncurrent loans to loans | 25.4572% | 18 |
| Net loans and leases to total assets | 46.2680% | 5,752 |
| Net loans and leases to deposits | 51.2518% | 6,044 |
| Net loans and leases to core deposits | 52.4546% | 6,168 |
| Total domestic deposits to total assets | 90.2758% | 927 |
| Equity capital to assets | 9.4776% | 4,841 |
| Core capital (leverage) ratio | 9.3343% | 4,308 |
| Tier 1 risk-based capital ratio | 14.7136% | 3,946 |
| Total risk-based capital ratio | 15.9710% | 3,900 |
| Memoranda: | ||
| Average total assets | $99,959,500 | 4,938 |
| Average earning assets | $82,006,500 | 5,189 |
| Average equity | $9,624,500 | 5,141 |
| Average total loans | $49,054,000 | 5,263 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9718% | 6,506 |
| Cost of funding earning assets | 0.3850% | 6,928 |
| Net interest margin | 3.5868% | 4,780 |
| Noninterest income to average assets | 0.0808% | 6,714 |
| Noninterest expense to average assets | 4.7956% | 458 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -1.7493% | 6,972 |
| Return on assets (ROA) | -1.7483% | 6,988 |
| Pretax return on assets | -1.7483% | 6,958 |
| Return on Equity (ROE) | -17.2504% | 6,937 |
| Retained earnings to average equity (ytd only) | -17.2504% | 6,919 |
| Net charge-offs to loans | 0.3154% | 3,817 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -10.7661% | 6,400 |
| Efficiency ratio | 157.4236% | 119 |
| Assets per employee ($millions) | 2.5782% | 6,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7533% | 1,030 |
| Loan loss allowance to noncurrent loans | 10.3362% | 6,814 |
| Noncurrent assets plus other real estate owned to assets | 23.4246% | 31 |
| Noncurrent loans to loans | 26.6378% | 21 |
| Net loans and leases to total assets | 49.3535% | 5,678 |
| Net loans and leases to deposits | 54.8732% | 5,989 |
| Net loans and leases to core deposits | 58.0228% | 5,996 |
| Total domestic deposits to total assets | 89.9411% | 1,024 |
| Equity capital to assets | 9.7774% | 4,474 |
| Core capital (leverage) ratio | 9.4801% | 4,057 |
| Tier 1 risk-based capital ratio | 15.0482% | 3,611 |
| Total risk-based capital ratio | 16.3107% | 3,563 |
| Memoranda: | ||
| Average total assets | $105,243,000 | 4,749 |
| Average earning assets | $87,013,400 | 5,025 |
| Average equity | $10,666,400 | 4,871 |
| Average total loans | $54,224,200 | 5,107 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9447% | 6,668 |
| Cost of funding earning assets | 0.3835% | 7,050 |
| Net interest margin | 3.5611% | 4,938 |
| Noninterest income to average assets | 0.1554% | 6,484 |
| Noninterest expense to average assets | 4.7723% | 454 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -1.6739% | 7,081 |
| Return on assets (ROA) | -1.6726% | 7,090 |
| Pretax return on assets | -1.6726% | 7,056 |
| Return on Equity (ROE) | -16.3671% | 7,041 |
| Retained earnings to average equity (ytd only) | -16.3671% | 7,019 |
| Net charge-offs to loans | 0.4144% | 3,073 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -7.8130% | 6,123 |
| Efficiency ratio | 154.0235% | 122 |
| Assets per employee ($millions) | 2.7468% | 6,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6279% | 1,230 |
| Loan loss allowance to noncurrent loans | 10.2413% | 6,896 |
| Noncurrent assets plus other real estate owned to assets | 22.9383% | 29 |
| Noncurrent loans to loans | 25.6603% | 25 |
| Net loans and leases to total assets | 49.8745% | 5,717 |
| Net loans and leases to deposits | 56.0679% | 6,031 |
| Net loans and leases to core deposits | 59.1734% | 6,044 |
| Total domestic deposits to total assets | 88.9538% | 1,452 |
| Equity capital to assets | 9.8774% | 4,511 |
| Core capital (leverage) ratio | 9.8897% | 3,586 |
| Tier 1 risk-based capital ratio | 15.1919% | 3,552 |
| Total risk-based capital ratio | 16.4532% | 3,509 |
| Memoranda: | ||
| Average total assets | $106,416,750 | 4,750 |
| Average earning assets | $87,947,250 | 5,028 |
| Average equity | $10,875,250 | 4,835 |
| Average total loans | $55,023,000 | 5,116 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9522% | 6,735 |
| Cost of funding earning assets | 0.3884% | 7,152 |
| Net interest margin | 3.5637% | 4,864 |
| Noninterest income to average assets | 0.2614% | 5,774 |
| Noninterest expense to average assets | 4.7528% | 460 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -1.5444% | 7,107 |
| Return on assets (ROA) | -1.5425% | 7,124 |
| Pretax return on assets | -1.5425% | 7,087 |
| Return on Equity (ROE) | -14.9318% | 7,066 |
| Retained earnings to average equity (ytd only) | -14.9318% | 7,038 |
| Net charge-offs to loans | 0.2953% | 3,397 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -10.0854% | 5,827 |
| Efficiency ratio | 148.1374% | 164 |
| Assets per employee ($millions) | 2.6664% | 6,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7106% | 1,169 |
| Loan loss allowance to noncurrent loans | 10.0830% | 6,944 |
| Noncurrent assets plus other real estate owned to assets | 23.8814% | 32 |
| Noncurrent loans to loans | 26.8833% | 23 |
| Net loans and leases to total assets | 51.5651% | 5,621 |
| Net loans and leases to deposits | 58.0689% | 5,930 |
| Net loans and leases to core deposits | 61.9994% | 5,898 |
| Total domestic deposits to total assets | 88.7998% | 1,667 |
| Equity capital to assets | 10.3944% | 3,638 |
| Core capital (leverage) ratio | 10.1814% | 3,050 |
| Tier 1 risk-based capital ratio | 15.7879% | 3,087 |
| Total risk-based capital ratio | 17.0499% | 3,062 |
| Memoranda: | ||
| Average total assets | $107,095,670 | 4,776 |
| Average earning assets | $88,558,670 | 5,036 |
| Average equity | $11,063,670 | 4,790 |
| Average total loans | $55,542,670 | 5,145 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0601% | 6,583 |
| Cost of funding earning assets | 0.3945% | 7,232 |
| Net interest margin | 3.6657% | 4,262 |
| Noninterest income to average assets | 0.0331% | 7,208 |
| Noninterest expense to average assets | 4.6130% | 531 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.5352% | 7,212 |
| Return on assets (ROA) | -1.5315% | 7,211 |
| Pretax return on assets | -1.5315% | 7,170 |
| Return on Equity (ROE) | -14.8691% | 7,143 |
| Retained earnings to average equity (ytd only) | -14.8691% | 7,037 |
| Net charge-offs to loans | 0.5596% | 2,092 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -5.3462% | 5,029 |
| Efficiency ratio | 149.8804% | 166 |
| Assets per employee ($millions) | 2.7713% | 6,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8075% | 1,101 |
| Loan loss allowance to noncurrent loans | 10.9591% | 6,999 |
| Noncurrent assets plus other real estate owned to assets | 22.4406% | 43 |
| Noncurrent loans to loans | 25.6175% | 30 |
| Net loans and leases to total assets | 47.9825% | 6,079 |
| Net loans and leases to deposits | 54.0304% | 6,289 |
| Net loans and leases to core deposits | 57.8601% | 6,271 |
| Total domestic deposits to total assets | 88.8065% | 1,893 |
| Equity capital to assets | 10.3496% | 3,350 |
| Core capital (leverage) ratio | 10.4306% | 2,673 |
| Tier 1 risk-based capital ratio | 15.9566% | 2,922 |
| Total risk-based capital ratio | 17.2181% | 2,886 |
| Memoranda: | ||
| Average total assets | $108,649,000 | 4,773 |
| Average earning assets | $90,243,000 | 5,029 |
| Average equity | $11,191,000 | 4,745 |
| Average total loans | $55,756,000 | 5,185 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1052% | 7,043 |
| Cost of funding earning assets | 0.5242% | 7,265 |
| Net interest margin | 3.5811% | 4,905 |
| Noninterest income to average assets | -0.2409% | 7,485 |
| Noninterest expense to average assets | 4.9580% | 425 |
| Loan and lease loss provision to assets | -0.0344% | 7,586 |
| Net operating income to assets | -2.1503% | 7,095 |
| Return on assets (ROA) | -2.1450% | 7,110 |
| Pretax return on assets | -2.1450% | 7,075 |
| Return on Equity (ROE) | -19.5296% | 7,029 |
| Retained earnings to average equity (ytd only) | -19.5296% | 7,004 |
| Net charge-offs to loans | 1.6840% | 1,288 |
| Credit loss provision to net charge-offs | -3.6862% | 6,981 |
| Earnings coverage of net charge-offs (x) | -2.3403% | 6,720 |
| Efficiency ratio | 178.7782% | 123 |
| Assets per employee ($millions) | 2.8741% | 6,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7100% | 1,152 |
| Loan loss allowance to noncurrent loans | 9.8617% | 7,092 |
| Noncurrent assets plus other real estate owned to assets | 23.4908% | 43 |
| Noncurrent loans to loans | 27.4805% | 23 |
| Net loans and leases to total assets | 51.8033% | 5,939 |
| Net loans and leases to deposits | 58.5997% | 6,200 |
| Net loans and leases to core deposits | 62.9932% | 6,150 |
| Total domestic deposits to total assets | 88.4020% | 2,015 |
| Equity capital to assets | 10.2512% | 3,442 |
| Core capital (leverage) ratio | 10.1155% | 2,959 |
| Tier 1 risk-based capital ratio | 15.3563% | 3,070 |
| Total risk-based capital ratio | 16.6193% | 3,018 |
| Memoranda: | ||
| Average total assets | $113,332,800 | 4,630 |
| Average earning assets | $95,390,400 | 4,852 |
| Average equity | $12,447,800 | 4,494 |
| Average total loans | $62,827,400 | 4,962 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9804% | 7,294 |
| Cost of funding earning assets | 0.4979% | 7,448 |
| Net interest margin | 3.4825% | 5,367 |
| Noninterest income to average assets | -0.1096% | 7,547 |
| Noninterest expense to average assets | 5.0668% | 358 |
| Loan and lease loss provision to assets | -0.0455% | 7,690 |
| Net operating income to assets | -2.1953% | 7,283 |
| Return on assets (ROA) | -2.1883% | 7,296 |
| Pretax return on assets | -2.1883% | 7,245 |
| Return on Equity (ROE) | -19.6117% | 7,212 |
| Retained earnings to average equity (ytd only) | -19.6117% | 7,195 |
| Net charge-offs to loans | 1.8522% | 1,037 |
| Credit loss provision to net charge-offs | -4.3870% | 6,853 |
| Earnings coverage of net charge-offs (x) | -2.1620% | 6,540 |
| Efficiency ratio | 179.2904% | 116 |
| Assets per employee ($millions) | 2.6270% | 6,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9310% | 392 |
| Loan loss allowance to noncurrent loans | 13.6369% | 7,105 |
| Noncurrent assets plus other real estate owned to assets | 24.1904% | 26 |
| Noncurrent loans to loans | 28.8260% | 20 |
| Net loans and leases to total assets | 50.8125% | 6,237 |
| Net loans and leases to deposits | 57.1151% | 6,530 |
| Net loans and leases to core deposits | 61.4834% | 6,503 |
| Total domestic deposits to total assets | 88.9652% | 1,406 |
| Equity capital to assets | 10.6867% | 3,300 |
| Core capital (leverage) ratio | 10.7785% | 2,439 |
| Tier 1 risk-based capital ratio | 15.8504% | 2,838 |
| Total risk-based capital ratio | 17.1235% | 2,771 |
| Memoranda: | ||
| Average total assets | $114,361,750 | 4,665 |
| Average earning assets | $96,404,250 | 4,877 |
| Average equity | $12,760,750 | 4,484 |
| Average total loans | $63,995,750 | 4,981 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9374% | 7,404 |
| Cost of funding earning assets | 0.5110% | 7,533 |
| Net interest margin | 3.4264% | 5,526 |
| Noninterest income to average assets | 0.0173% | 7,471 |
| Noninterest expense to average assets | 5.0421% | 367 |
| Loan and lease loss provision to assets | -0.0674% | 7,764 |
| Net operating income to assets | -2.0518% | 7,319 |
| Return on assets (ROA) | -2.0414% | 7,326 |
| Pretax return on assets | -2.0379% | 7,250 |
| Return on Equity (ROE) | -18.0526% | 7,229 |
| Retained earnings to average equity (ytd only) | -18.0526% | 7,200 |
| Net charge-offs to loans | 1.7518% | 1,069 |
| Credit loss provision to net charge-offs | -6.7591% | 6,594 |
| Earnings coverage of net charge-offs (x) | -2.1213% | 6,215 |
| Efficiency ratio | 172.2977% | 146 |
| Assets per employee ($millions) | 2.6698% | 6,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2515% | 302 |
| Loan loss allowance to noncurrent loans | 14.5124% | 7,158 |
| Noncurrent assets plus other real estate owned to assets | 25.3021% | 20 |
| Noncurrent loans to loans | 29.2955% | 20 |
| Net loans and leases to total assets | 52.3396% | 6,176 |
| Net loans and leases to deposits | 59.1389% | 6,487 |
| Net loans and leases to core deposits | 63.6827% | 6,426 |
| Total domestic deposits to total assets | 88.5029% | 1,727 |
| Equity capital to assets | 11.1386% | 2,737 |
| Core capital (leverage) ratio | 11.3172% | 2,025 |
| Tier 1 risk-based capital ratio | 15.8064% | 2,757 |
| Total risk-based capital ratio | 17.0826% | 2,707 |
| Memoranda: | ||
| Average total assets | $115,704,670 | 4,664 |
| Average earning assets | $98,238,330 | 4,866 |
| Average equity | $13,084,000 | 4,417 |
| Average total loans | $65,875,330 | 4,945 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9803% | 7,473 |
| Cost of funding earning assets | 0.5226% | 7,644 |
| Net interest margin | 3.4577% | 5,342 |
| Noninterest income to average assets | -0.2485% | 7,816 |
| Noninterest expense to average assets | 5.1204% | 337 |
| Loan and lease loss provision to assets | -0.4732% | 7,898 |
| Net operating income to assets | -1.8997% | 7,439 |
| Return on assets (ROA) | -1.8997% | 7,441 |
| Pretax return on assets | -1.8997% | 7,385 |
| Return on Equity (ROE) | -16.6804% | 7,357 |
| Retained earnings to average equity (ytd only) | -16.6804% | 7,265 |
| Net charge-offs to loans | 0.5985% | 2,309 |
| Credit loss provision to net charge-offs | -136.2745% | 6,087 |
| Earnings coverage of net charge-offs (x) | -6.8333% | 5,546 |
| Efficiency ratio | 186.3693% | 112 |
| Assets per employee ($millions) | 2.7457% | 6,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5092% | 251 |
| Loan loss allowance to noncurrent loans | 14.3132% | 7,225 |
| Noncurrent assets plus other real estate owned to assets | 23.4281% | 36 |
| Noncurrent loans to loans | 31.5040% | 17 |
| Net loans and leases to total assets | 54.7421% | 5,925 |
| Net loans and leases to deposits | 61.9661% | 6,279 |
| Net loans and leases to core deposits | 66.5725% | 6,243 |
| Total domestic deposits to total assets | 88.3419% | 1,886 |
| Equity capital to assets | 11.3763% | 2,444 |
| Core capital (leverage) ratio | 11.4323% | 1,952 |
| Tier 1 risk-based capital ratio | 16.4494% | 2,473 |
| Total risk-based capital ratio | 17.7306% | 2,411 |
| Memoranda: | ||
| Average total assets | $117,490,500 | 4,682 |
| Average earning assets | $101,801,500 | 4,820 |
| Average equity | $13,381,000 | 4,383 |
| Average total loans | $68,165,000 | 4,927 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5811% | 7,305 |
| Cost of funding earning assets | 0.9118% | 7,380 |
| Net interest margin | 3.6693% | 4,258 |
| Noninterest income to average assets | 0.4579% | 4,733 |
| Noninterest expense to average assets | 4.7023% | 648 |
| Loan and lease loss provision to assets | 3.9141% | 356 |
| Net operating income to assets | -3.8001% | 7,574 |
| Return on assets (ROA) | -3.7941% | 7,571 |
| Pretax return on assets | -4.8560% | 7,683 |
| Return on Equity (ROE) | -31.2248% | 7,426 |
| Retained earnings to average equity (ytd only) | -31.2248% | 7,412 |
| Net charge-offs to loans | 6.6647% | 136 |
| Credit loss provision to net charge-offs | 96.0240% | 5,778 |
| Earnings coverage of net charge-offs (x) | -0.2329% | 6,491 |
| Efficiency ratio | 125.3005% | 522 |
| Assets per employee ($millions) | 2.7196% | 6,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5884% | 236 |
| Loan loss allowance to noncurrent loans | 15.9009% | 7,216 |
| Noncurrent assets plus other real estate owned to assets | 20.6398% | 50 |
| Noncurrent loans to loans | 28.8560% | 21 |
| Net loans and leases to total assets | 55.9902% | 5,954 |
| Net loans and leases to deposits | 63.3704% | 6,335 |
| Net loans and leases to core deposits | 80.3018% | 6,063 |
| Total domestic deposits to total assets | 88.3539% | 1,792 |
| Equity capital to assets | 11.4013% | 2,392 |
| Core capital (leverage) ratio | 11.5357% | 1,897 |
| Tier 1 risk-based capital ratio | 16.5412% | 2,301 |
| Total risk-based capital ratio | 17.8254% | 2,234 |
| Memoranda: | ||
| Average total assets | $130,808,000 | 4,317 |
| Average earning assets | $117,461,600 | 4,368 |
| Average equity | $15,894,400 | 3,887 |
| Average total loans | $80,004,000 | 4,510 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7548% | 7,196 |
| Cost of funding earning assets | 1.0115% | 7,364 |
| Net interest margin | 3.7432% | 3,894 |
| Noninterest income to average assets | 0.4910% | 4,565 |
| Noninterest expense to average assets | 4.3873% | 830 |
| Loan and lease loss provision to assets | 5.0051% | 169 |
| Net operating income to assets | -3.2230% | 7,633 |
| Return on assets (ROA) | -3.2166% | 7,637 |
| Pretax return on assets | -5.5121% | 7,866 |
| Return on Equity (ROE) | -26.1115% | 7,531 |
| Retained earnings to average equity (ytd only) | -26.1115% | 7,512 |
| Net charge-offs to loans | 8.3233% | 77 |
| Credit loss provision to net charge-offs | 97.4354% | 5,239 |
| Earnings coverage of net charge-offs (x) | -0.1006% | 6,181 |
| Efficiency ratio | 113.3574% | 709 |
| Assets per employee ($millions) | 2.6587% | 6,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4649% | 215 |
| Loan loss allowance to noncurrent loans | 22.0280% | 6,979 |
| Noncurrent assets plus other real estate owned to assets | 15.5353% | 110 |
| Noncurrent loans to loans | 20.2691% | 61 |
| Net loans and leases to total assets | 57.7693% | 5,918 |
| Net loans and leases to deposits | 66.3396% | 6,279 |
| Net loans and leases to core deposits | 85.3431% | 5,935 |
| Total domestic deposits to total assets | 87.0812% | 2,141 |
| Equity capital to assets | 12.5517% | 1,917 |
| Core capital (leverage) ratio | 12.3472% | 1,642 |
| Tier 1 risk-based capital ratio | 17.8368% | 2,038 |
| Total risk-based capital ratio | 19.1197% | 1,976 |
| Memoranda: | ||
| Average total assets | $133,594,500 | 4,290 |
| Average earning assets | $120,605,750 | 4,333 |
| Average equity | $16,457,250 | 3,819 |
| Average total loans | $82,449,750 | 4,472 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0024% | 6,761 |
| Cost of funding earning assets | 1.1320% | 7,293 |
| Net interest margin | 3.8703% | 3,248 |
| Noninterest income to average assets | 0.4819% | 4,609 |
| Noninterest expense to average assets | 4.1046% | 1,185 |
| Loan and lease loss provision to assets | 6.7779% | 102 |
| Net operating income to assets | -4.0156% | 7,832 |
| Return on assets (ROA) | -4.0129% | 7,826 |
| Pretax return on assets | -6.8667% | 8,019 |
| Return on Equity (ROE) | -32.7588% | 7,750 |
| Retained earnings to average equity (ytd only) | -32.7588% | 7,727 |
| Net charge-offs to loans | 9.9013% | 57 |
| Credit loss provision to net charge-offs | 110.2558% | 4,202 |
| Earnings coverage of net charge-offs (x) | -0.0152% | 5,709 |
| Efficiency ratio | 102.3230% | 1,078 |
| Assets per employee ($millions) | 2.7495% | 6,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7248% | 153 |
| Loan loss allowance to noncurrent loans | 26.7113% | 6,719 |
| Noncurrent assets plus other real estate owned to assets | 12.7353% | 153 |
| Noncurrent loans to loans | 17.6885% | 80 |
| Net loans and leases to total assets | 61.6541% | 5,412 |
| Net loans and leases to deposits | 70.7441% | 5,904 |
| Net loans and leases to core deposits | 98.7651% | 4,622 |
| Total domestic deposits to total assets | 87.1508% | 2,169 |
| Equity capital to assets | 12.4997% | 1,921 |
| Core capital (leverage) ratio | 11.8808% | 1,885 |
| Tier 1 risk-based capital ratio | 18.1495% | 1,974 |
| Total risk-based capital ratio | 19.4394% | 1,908 |
| Memoranda: | ||
| Average total assets | $137,358,670 | 4,229 |
| Average earning assets | $125,260,000 | 4,240 |
| Average equity | $16,826,000 | 3,746 |
| Average total loans | $85,281,330 | 4,421 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0465% | 6,806 |
| Cost of funding earning assets | 1.2433% | 7,192 |
| Net interest margin | 3.8032% | 3,430 |
| Noninterest income to average assets | 0.4314% | 4,952 |
| Noninterest expense to average assets | 3.7731% | 1,520 |
| Loan and lease loss provision to assets | 12.0588% | 26 |
| Net operating income to assets | -6.9998% | 8,121 |
| Return on assets (ROA) | -6.9944% | 8,113 |
| Pretax return on assets | -11.8963% | 8,175 |
| Return on Equity (ROE) | -57.6192% | 8,078 |
| Retained earnings to average equity (ytd only) | -57.6192% | 8,061 |
| Net charge-offs to loans | 16.7448% | 22 |
| Credit loss provision to net charge-offs | 118.2043% | 3,316 |
| Earnings coverage of net charge-offs (x) | 0.0151% | 4,964 |
| Efficiency ratio | 96.0770% | 1,321 |
| Assets per employee ($millions) | 3.1326% | 5,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8650% | 117 |
| Loan loss allowance to noncurrent loans | 40.2061% | 5,861 |
| Noncurrent assets plus other real estate owned to assets | 7.4531% | 428 |
| Noncurrent loans to loans | 12.1001% | 174 |
| Net loans and leases to total assets | 58.1253% | 5,924 |
| Net loans and leases to deposits | 65.9714% | 6,378 |
| Net loans and leases to core deposits | 96.1223% | 4,957 |
| Total domestic deposits to total assets | 88.1068% | 1,695 |
| Equity capital to assets | 11.6603% | 2,473 |
| Core capital (leverage) ratio | 10.6869% | 2,752 |
| Tier 1 risk-based capital ratio | 17.3510% | 2,229 |
| Total risk-based capital ratio | 18.6407% | 2,161 |
| Memoranda: | ||
| Average total assets | $142,800,500 | 4,131 |
| Average earning assets | $131,259,500 | 4,128 |
| Average equity | $17,334,500 | 3,666 |
| Average total loans | $87,000,000 | 4,390 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0455% | 5,325 |
| Cost of funding earning assets | 1.8026% | 6,997 |
| Net interest margin | 4.2429% | 2,143 |
| Noninterest income to average assets | 0.4866% | 4,731 |
| Noninterest expense to average assets | 3.7755% | 1,803 |
| Loan and lease loss provision to assets | 2.2315% | 512 |
| Net operating income to assets | -0.9297% | 7,206 |
| Return on assets (ROA) | -0.9264% | 7,128 |
| Pretax return on assets | -1.5517% | 7,280 |
| Return on Equity (ROE) | -7.3745% | 7,079 |
| Retained earnings to average equity (ytd only) | -9.3165% | 7,007 |
| Net charge-offs to loans | 1.1349% | 1,070 |
| Credit loss provision to net charge-offs | 316.8642% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.9581% | 5,651 |
| Efficiency ratio | 84.8384% | 1,974 |
| Assets per employee ($millions) | 3.2837% | 5,251 |
| Cash dividends to net income (ytd only)* | -26.3340% | 7,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8246% | 212 |
| Loan loss allowance to noncurrent loans | 61.8182% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 3.8480% | 1,097 |
| Noncurrent loans to loans | 6.1869% | 552 |
| Net loans and leases to total assets | 58.4383% | 6,138 |
| Net loans and leases to deposits | 67.1081% | 6,543 |
| Net loans and leases to core deposits | 101.4259% | 4,677 |
| Total domestic deposits to total assets | 87.0809% | 1,898 |
| Equity capital to assets | 12.5854% | 1,972 |
| Core capital (leverage) ratio | 11.5319% | 2,234 |
| Tier 1 risk-based capital ratio | 19.3272% | 1,741 |
| Total risk-based capital ratio | 20.6064% | 1,698 |
| Memoranda: | ||
| Average total assets | $155,768,000 | 3,791 |
| Average earning assets | $145,514,000 | 3,729 |
| Average equity | $19,567,400 | 3,297 |
| Average total loans | $96,661,200 | 4,044 |