Home > Farmers State Bank of Sublette > Performance and Condition Ratios
Farmers State Bank of Sublette, 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 | 2.7784% | 5,865 |
| Cost of funding earning assets | 0.3310% | 3,828 |
| Net interest margin | 2.4473% | 5,847 |
| Noninterest income to average assets | 0.2879% | 4,670 |
| Noninterest expense to average assets | 2.6120% | 3,716 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.1954% | 5,884 |
| Return on assets (ROA) | -1.2340% | 6,048 |
| Pretax return on assets | -1.2340% | 6,038 |
| Return on Equity (ROE) | -11.4001% | 6,038 |
| Retained earnings to average equity (ytd only) | -11.4001% | 5,851 |
| Net charge-offs to loans | -0.1332% | 5,737 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.0851% | 178 |
| Assets per employee ($millions) | 4.3652% | 3,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9401% | 97 |
| Loan loss allowance to noncurrent loans | 872.7273% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 4,893 |
| Noncurrent loans to loans | 0.4515% | 3,824 |
| Net loans and leases to total assets | 35.7446% | 5,649 |
| Net loans and leases to deposits | 42.8912% | 5,630 |
| Net loans and leases to core deposits | 45.6817% | 5,603 |
| Total domestic deposits to total assets | 83.3380% | 3,776 |
| Equity capital to assets | 10.6880% | 3,274 |
| Core capital (leverage) ratio | 10.8827% | 2,536 |
| Tier 1 risk-based capital ratio | 27.7107% | 630 |
| Total risk-based capital ratio | 28.9910% | 615 |
| Memoranda: | ||
| Average total assets | $38,898,000 | 5,734 |
| Average earning assets | $33,833,000 | 5,766 |
| Average equity | $4,210,500 | 5,773 |
| Average total loans | $15,018,000 | 5,850 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3409% | 5,273 |
| Cost of funding earning assets | 0.3291% | 3,923 |
| Net interest margin | 3.0118% | 5,112 |
| Noninterest income to average assets | 0.2273% | 5,236 |
| Noninterest expense to average assets | 2.6448% | 3,771 |
| Loan and lease loss provision to assets | -0.4370% | 6,110 |
| Net operating income to assets | 0.7392% | 3,623 |
| Return on assets (ROA) | 0.7717% | 3,539 |
| Pretax return on assets | 0.7717% | 4,291 |
| Return on Equity (ROE) | 7.4746% | 3,260 |
| Retained earnings to average equity (ytd only) | 6.2167% | 1,692 |
| Net charge-offs to loans | -0.0779% | 5,707 |
| Credit loss provision to net charge-offs | 1,458.3333% | 238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7458% | 701 |
| Assets per employee ($millions) | 4.8136% | 2,583 |
| Cash dividends to net income (ytd only)* | 16.8285% | 3,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7037% | 106 |
| Loan loss allowance to noncurrent loans | 782.1918% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.1896% | 4,846 |
| Noncurrent loans to loans | 0.4735% | 3,771 |
| Net loans and leases to total assets | 38.5520% | 5,597 |
| Net loans and leases to deposits | 44.5344% | 5,632 |
| Net loans and leases to core deposits | 47.3768% | 5,591 |
| Total domestic deposits to total assets | 86.5668% | 2,340 |
| Equity capital to assets | 10.9637% | 2,859 |
| Core capital (leverage) ratio | 11.1709% | 2,247 |
| Tier 1 risk-based capital ratio | 22.7855% | 1,044 |
| Total risk-based capital ratio | 24.0570% | 1,026 |
| Memoranda: | ||
| Average total assets | $40,041,400 | 5,765 |
| Average earning assets | $36,158,200 | 5,761 |
| Average equity | $4,134,000 | 5,831 |
| Average total loans | $15,410,600 | 5,886 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3193% | 5,372 |
| Cost of funding earning assets | 0.3269% | 4,024 |
| Net interest margin | 2.9924% | 5,210 |
| Noninterest income to average assets | 0.2375% | 5,232 |
| Noninterest expense to average assets | 2.7178% | 3,502 |
| Loan and lease loss provision to assets | -0.5772% | 6,224 |
| Net operating income to assets | 0.8147% | 3,362 |
| Return on assets (ROA) | 0.8279% | 3,376 |
| Pretax return on assets | 0.8279% | 4,250 |
| Return on Equity (ROE) | 8.1386% | 2,998 |
| Retained earnings to average equity (ytd only) | 7.4900% | 1,448 |
| Net charge-offs to loans | -0.0779% | 5,699 |
| Credit loss provision to net charge-offs | 1,944.4444% | 192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9643% | 576 |
| Assets per employee ($millions) | 4.8376% | 2,505 |
| Cash dividends to net income (ytd only)* | 7.9693% | 3,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5820% | 129 |
| Loan loss allowance to noncurrent loans | 1,385.3659% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 5,321 |
| Noncurrent loans to loans | 0.2586% | 4,654 |
| Net loans and leases to total assets | 39.5054% | 5,619 |
| Net loans and leases to deposits | 47.5552% | 5,593 |
| Net loans and leases to core deposits | 50.7098% | 5,552 |
| Total domestic deposits to total assets | 83.0728% | 3,794 |
| Equity capital to assets | 11.0385% | 2,978 |
| Core capital (leverage) ratio | 10.5495% | 2,990 |
| Tier 1 risk-based capital ratio | 21.9131% | 1,204 |
| Total risk-based capital ratio | 23.1841% | 1,182 |
| Memoranda: | ||
| Average total assets | $40,424,500 | 5,830 |
| Average earning assets | $36,714,000 | 5,830 |
| Average equity | $4,112,000 | 5,912 |
| Average total loans | $15,409,000 | 5,956 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2745% | 5,487 |
| Cost of funding earning assets | 0.3226% | 4,125 |
| Net interest margin | 2.9519% | 5,336 |
| Noninterest income to average assets | 0.2439% | 5,214 |
| Noninterest expense to average assets | 2.7171% | 3,536 |
| Loan and lease loss provision to assets | -0.3659% | 6,250 |
| Net operating income to assets | 0.5707% | 4,470 |
| Return on assets (ROA) | 0.5707% | 4,573 |
| Pretax return on assets | 0.5707% | 5,046 |
| Return on Equity (ROE) | 5.7654% | 4,247 |
| Retained earnings to average equity (ytd only) | 5.7654% | 2,371 |
| Net charge-offs to loans | -0.0917% | 5,759 |
| Credit loss provision to net charge-offs | 1,071.4286% | 326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9883% | 578 |
| Assets per employee ($millions) | 5.2419% | 2,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3718% | 81 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 34.7395% | 5,874 |
| Net loans and leases to deposits | 41.9477% | 5,839 |
| Net loans and leases to core deposits | 44.5110% | 5,820 |
| Total domestic deposits to total assets | 82.8163% | 4,022 |
| Equity capital to assets | 9.7937% | 4,286 |
| Core capital (leverage) ratio | 9.9845% | 3,629 |
| Tier 1 risk-based capital ratio | 21.5168% | 1,280 |
| Total risk-based capital ratio | 22.7937% | 1,257 |
| Memoranda: | ||
| Average total assets | $40,999,000 | 5,883 |
| Average earning assets | $37,197,000 | 5,882 |
| Average equity | $4,058,670 | 5,984 |
| Average total loans | $15,259,670 | 6,024 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2996% | 5,455 |
| Cost of funding earning assets | 0.3267% | 4,142 |
| Net interest margin | 2.9729% | 5,287 |
| Noninterest income to average assets | 0.1283% | 5,958 |
| Noninterest expense to average assets | 2.6844% | 3,645 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1382% | 5,814 |
| Return on assets (ROA) | 0.1382% | 5,882 |
| Pretax return on assets | 0.1382% | 5,913 |
| Return on Equity (ROE) | 1.3880% | 5,832 |
| Retained earnings to average equity (ytd only) | 1.3880% | 4,931 |
| Net charge-offs to loans | -0.0786% | 5,742 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1049% | 536 |
| Assets per employee ($millions) | 5.2240% | 2,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9553% | 69 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 5,331 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 33.8247% | 5,931 |
| Net loans and leases to deposits | 40.1602% | 5,908 |
| Net loans and leases to core deposits | 42.5796% | 5,884 |
| Total domestic deposits to total assets | 84.2243% | 3,725 |
| Equity capital to assets | 9.7435% | 4,440 |
| Core capital (leverage) ratio | 9.8997% | 3,751 |
| Tier 1 risk-based capital ratio | 21.4866% | 1,330 |
| Total risk-based capital ratio | 22.7675% | 1,295 |
| Memoranda: | ||
| Average total assets | $40,531,000 | 5,952 |
| Average earning assets | $36,731,500 | 5,945 |
| Average equity | $4,034,500 | 6,045 |
| Average total loans | $15,272,500 | 6,078 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5334% | 5,243 |
| Cost of funding earning assets | 0.3607% | 4,130 |
| Net interest margin | 3.1727% | 5,008 |
| Noninterest income to average assets | 0.2032% | 5,645 |
| Noninterest expense to average assets | 2.9196% | 3,084 |
| Loan and lease loss provision to assets | -0.4184% | 6,425 |
| Net operating income to assets | 0.5834% | 4,451 |
| Return on assets (ROA) | 0.6121% | 4,418 |
| Pretax return on assets | 0.6121% | 4,902 |
| Return on Equity (ROE) | 6.8567% | 3,715 |
| Retained earnings to average equity (ytd only) | 6.8567% | 1,472 |
| Net charge-offs to loans | 0.4584% | 912 |
| Credit loss provision to net charge-offs | -239.7260% | 5,667 |
| Earnings coverage of net charge-offs (x) | 0.9452% | 4,532 |
| Efficiency ratio | 94.6512% | 564 |
| Assets per employee ($millions) | 4.9088% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6835% | 80 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2317% | 5,096 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 38.0392% | 5,848 |
| Net loans and leases to deposits | 43.4269% | 5,900 |
| Net loans and leases to core deposits | 46.1078% | 5,887 |
| Total domestic deposits to total assets | 87.5936% | 1,985 |
| Equity capital to assets | 10.1783% | 3,883 |
| Core capital (leverage) ratio | 10.0301% | 3,535 |
| Tier 1 risk-based capital ratio | 20.8693% | 1,430 |
| Total risk-based capital ratio | 22.1486% | 1,400 |
| Memoranda: | ||
| Average total assets | $41,821,400 | 5,990 |
| Average earning assets | $37,980,400 | 5,988 |
| Average equity | $3,733,600 | 6,137 |
| Average total loans | $15,925,000 | 6,131 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4599% | 5,472 |
| Cost of funding earning assets | 0.3660% | 4,175 |
| Net interest margin | 3.0938% | 5,276 |
| Noninterest income to average assets | 0.3046% | 5,008 |
| Noninterest expense to average assets | 2.8639% | 3,246 |
| Loan and lease loss provision to assets | -0.3140% | 6,474 |
| Net operating income to assets | 0.5684% | 4,600 |
| Return on assets (ROA) | 0.5684% | 4,672 |
| Pretax return on assets | 0.5684% | 5,133 |
| Return on Equity (ROE) | 6.5798% | 3,914 |
| Retained earnings to average equity (ytd only) | 6.5798% | 2,051 |
| Net charge-offs to loans | 0.6338% | 569 |
| Credit loss provision to net charge-offs | -131.5789% | 5,488 |
| Earnings coverage of net charge-offs (x) | 1.0658% | 4,250 |
| Efficiency ratio | 91.8429% | 721 |
| Assets per employee ($millions) | 4.6303% | 2,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1397% | 71 |
| Loan loss allowance to noncurrent loans | 719.6429% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.7223% | 3,641 |
| Noncurrent loans to loans | 0.7142% | 3,825 |
| Net loans and leases to total assets | 35.6970% | 6,039 |
| Net loans and leases to deposits | 41.7724% | 6,062 |
| Net loans and leases to core deposits | 44.2580% | 6,031 |
| Total domestic deposits to total assets | 85.4558% | 3,131 |
| Equity capital to assets | 9.2962% | 5,040 |
| Core capital (leverage) ratio | 9.2339% | 4,733 |
| Tier 1 risk-based capital ratio | 19.9910% | 1,677 |
| Total risk-based capital ratio | 21.2746% | 1,639 |
| Memoranda: | ||
| Average total assets | $42,459,250 | 6,041 |
| Average earning assets | $38,613,500 | 6,035 |
| Average equity | $3,667,750 | 6,223 |
| Average total loans | $15,988,250 | 6,196 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4376% | 5,549 |
| Cost of funding earning assets | 0.3670% | 4,238 |
| Net interest margin | 3.0706% | 5,345 |
| Noninterest income to average assets | 0.3371% | 4,726 |
| Noninterest expense to average assets | 2.8885% | 3,204 |
| Loan and lease loss provision to assets | -0.4682% | 6,581 |
| Net operating income to assets | 0.6975% | 3,852 |
| Return on assets (ROA) | 0.6975% | 3,943 |
| Pretax return on assets | 0.6975% | 4,649 |
| Return on Equity (ROE) | 8.2801% | 2,942 |
| Retained earnings to average equity (ytd only) | 8.2801% | 1,220 |
| Net charge-offs to loans | 0.2610% | 1,505 |
| Credit loss provision to net charge-offs | -476.1905% | 5,555 |
| Earnings coverage of net charge-offs (x) | 2.3333% | 3,572 |
| Efficiency ratio | 92.6426% | 722 |
| Assets per employee ($millions) | 4.7614% | 2,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6559% | 59 |
| Loan loss allowance to noncurrent loans | 343.0279% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.8307% | 3,481 |
| Noncurrent loans to loans | 1.6488% | 2,108 |
| Net loans and leases to total assets | 33.5146% | 6,178 |
| Net loans and leases to deposits | 38.2019% | 6,221 |
| Net loans and leases to core deposits | 40.3484% | 6,210 |
| Total domestic deposits to total assets | 87.7301% | 2,069 |
| Equity capital to assets | 8.9259% | 5,383 |
| Core capital (leverage) ratio | 9.0280% | 4,978 |
| Tier 1 risk-based capital ratio | 20.5581% | 1,553 |
| Total risk-based capital ratio | 21.8521% | 1,517 |
| Memoranda: | ||
| Average total assets | $42,721,330 | 6,085 |
| Average earning assets | $38,690,000 | 6,081 |
| Average equity | $3,599,000 | 6,283 |
| Average total loans | $16,090,330 | 6,234 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5879% | 5,206 |
| Cost of funding earning assets | 0.3940% | 4,047 |
| Net interest margin | 3.1938% | 4,940 |
| Noninterest income to average assets | 0.1594% | 6,015 |
| Noninterest expense to average assets | 2.8883% | 3,258 |
| Loan and lease loss provision to assets | -0.9377% | 6,702 |
| Net operating income to assets | 1.0972% | 1,826 |
| Return on assets (ROA) | 1.0972% | 1,891 |
| Pretax return on assets | 1.0972% | 2,915 |
| Return on Equity (ROE) | 13.4251% | 1,052 |
| Retained earnings to average equity (ytd only) | 13.4251% | 438 |
| Net charge-offs to loans | -0.0484% | 5,789 |
| Credit loss provision to net charge-offs | 5,000.0000% | 72 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7692% | 709 |
| Assets per employee ($millions) | 3.9950% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5375% | 72 |
| Loan loss allowance to noncurrent loans | 415.0235% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 1.2197% | 2,824 |
| Noncurrent loans to loans | 1.3343% | 2,808 |
| Net loans and leases to total assets | 34.3156% | 6,165 |
| Net loans and leases to deposits | 40.5900% | 6,153 |
| Net loans and leases to core deposits | 42.8994% | 6,127 |
| Total domestic deposits to total assets | 84.5420% | 4,067 |
| Equity capital to assets | 8.1807% | 5,919 |
| Core capital (leverage) ratio | 9.0621% | 4,916 |
| Tier 1 risk-based capital ratio | 19.5720% | 1,819 |
| Total risk-based capital ratio | 20.8589% | 1,789 |
| Memoranda: | ||
| Average total assets | $42,655,500 | 6,152 |
| Average earning assets | $38,574,500 | 6,146 |
| Average equity | $3,486,000 | 6,345 |
| Average total loans | $16,524,000 | 6,283 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4604% | 5,710 |
| Cost of funding earning assets | 0.4357% | 4,256 |
| Net interest margin | 3.0248% | 5,520 |
| Noninterest income to average assets | -0.2171% | 6,764 |
| Noninterest expense to average assets | 2.9148% | 3,329 |
| Loan and lease loss provision to assets | -0.0746% | 6,440 |
| Net operating income to assets | -0.3098% | 6,420 |
| Return on assets (ROA) | -0.1899% | 6,367 |
| Pretax return on assets | -0.1899% | 6,342 |
| Return on Equity (ROE) | -2.3057% | 6,392 |
| Retained earnings to average equity (ytd only) | -2.3880% | 6,212 |
| Net charge-offs to loans | 0.5572% | 1,186 |
| Credit loss provision to net charge-offs | -34.0206% | 5,754 |
| Earnings coverage of net charge-offs (x) | -1.7526% | 5,311 |
| Efficiency ratio | 115.1921% | 212 |
| Assets per employee ($millions) | 3.7605% | 4,347 |
| Cash dividends to net income (ytd only)* | -3.5714% | 6,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7481% | 51 |
| Loan loss allowance to noncurrent loans | 458.8785% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 1.2982% | 2,822 |
| Noncurrent loans to loans | 1.2526% | 3,034 |
| Net loans and leases to total assets | 38.9257% | 6,032 |
| Net loans and leases to deposits | 43.3001% | 6,157 |
| Net loans and leases to core deposits | 45.7742% | 6,146 |
| Total domestic deposits to total assets | 89.8975% | 1,131 |
| Equity capital to assets | 8.1637% | 5,896 |
| Core capital (leverage) ratio | 9.1497% | 4,784 |
| Tier 1 risk-based capital ratio | 18.5382% | 2,069 |
| Total risk-based capital ratio | 19.8335% | 2,021 |
| Memoranda: | ||
| Average total assets | $44,222,400 | 6,175 |
| Average earning assets | $40,168,200 | 6,163 |
| Average equity | $3,643,200 | 6,407 |
| Average total loans | $17,407,400 | 6,303 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3857% | 5,911 |
| Cost of funding earning assets | 0.4473% | 4,304 |
| Net interest margin | 2.9384% | 5,718 |
| Noninterest income to average assets | -0.3383% | 6,855 |
| Noninterest expense to average assets | 2.8899% | 3,337 |
| Loan and lease loss provision to assets | 0.0801% | 3,457 |
| Net operating income to assets | -0.6379% | 6,637 |
| Return on assets (ROA) | -0.5133% | 6,615 |
| Pretax return on assets | -0.5133% | 6,603 |
| Return on Equity (ROE) | -6.2177% | 6,630 |
| Retained earnings to average equity (ytd only) | -6.3255% | 6,547 |
| Net charge-offs to loans | 0.5413% | 1,178 |
| Credit loss provision to net charge-offs | 38.0282% | 3,750 |
| Earnings coverage of net charge-offs (x) | -2.6480% | 5,096 |
| Efficiency ratio | 123.9186% | 147 |
| Assets per employee ($millions) | 3.8950% | 4,044 |
| Cash dividends to net income (ytd only)* | -1.7342% | 6,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3723% | 39 |
| Loan loss allowance to noncurrent loans | 346.7532% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 1.3024% | 3,051 |
| Noncurrent loans to loans | 1.8377% | 2,450 |
| Net loans and leases to total assets | 36.6250% | 6,250 |
| Net loans and leases to deposits | 41.6465% | 6,331 |
| Net loans and leases to core deposits | 43.9934% | 6,304 |
| Total domestic deposits to total assets | 87.9426% | 2,166 |
| Equity capital to assets | 7.5551% | 6,374 |
| Core capital (leverage) ratio | 8.4612% | 5,804 |
| Tier 1 risk-based capital ratio | 18.3402% | 2,202 |
| Total risk-based capital ratio | 19.6378% | 2,146 |
| Memoranda: | ||
| Average total assets | $44,936,500 | 6,218 |
| Average earning assets | $40,837,500 | 6,215 |
| Average equity | $3,709,750 | 6,466 |
| Average total loans | $17,488,250 | 6,366 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4491% | 5,795 |
| Cost of funding earning assets | 0.4576% | 4,344 |
| Net interest margin | 2.9914% | 5,581 |
| Noninterest income to average assets | -0.5259% | 6,910 |
| Noninterest expense to average assets | 3.0153% | 2,954 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.8196% | 6,720 |
| Return on assets (ROA) | -0.6355% | 6,691 |
| Pretax return on assets | -0.6355% | 6,671 |
| Return on Equity (ROE) | -7.4987% | 6,703 |
| Retained earnings to average equity (ytd only) | -7.6539% | 6,597 |
| Net charge-offs to loans | 0.5301% | 1,247 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -3.9787% | 4,814 |
| Efficiency ratio | 137.3253% | 106 |
| Assets per employee ($millions) | 4.5124% | 2,804 |
| Cash dividends to net income (ytd only)* | -2.0690% | 6,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1408% | 54 |
| Loan loss allowance to noncurrent loans | 641.5663% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.9640% | 3,849 |
| Noncurrent loans to loans | 0.9572% | 4,017 |
| Net loans and leases to total assets | 36.0739% | 6,294 |
| Net loans and leases to deposits | 41.7609% | 6,339 |
| Net loans and leases to core deposits | 44.0315% | 6,330 |
| Total domestic deposits to total assets | 86.3820% | 3,171 |
| Equity capital to assets | 7.7254% | 6,354 |
| Core capital (leverage) ratio | 8.0600% | 6,139 |
| Tier 1 risk-based capital ratio | 17.7429% | 2,418 |
| Total risk-based capital ratio | 19.0363% | 2,366 |
| Memoranda: | ||
| Average total assets | $45,633,670 | 6,244 |
| Average earning assets | $41,518,670 | 6,240 |
| Average equity | $3,867,330 | 6,479 |
| Average total loans | $17,731,000 | 6,398 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4732% | 5,776 |
| Cost of funding earning assets | 0.4605% | 4,480 |
| Net interest margin | 3.0126% | 5,531 |
| Noninterest income to average assets | 0.0523% | 6,728 |
| Noninterest expense to average assets | 3.0422% | 2,859 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.2528% | 6,547 |
| Return on assets (ROA) | -0.2528% | 6,579 |
| Pretax return on assets | -0.2528% | 6,570 |
| Return on Equity (ROE) | -2.8586% | 6,605 |
| Retained earnings to average equity (ytd only) | -2.8586% | 6,176 |
| Net charge-offs to loans | 1.7629% | 281 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.3671% | 3,905 |
| Efficiency ratio | 109.0625% | 341 |
| Assets per employee ($millions) | 4.7932% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9759% | 77 |
| Loan loss allowance to noncurrent loans | 922.3214% | 508 |
| Noncurrent assets plus other real estate owned to assets | 1.1641% | 3,624 |
| Noncurrent loans to loans | 0.6479% | 4,825 |
| Net loans and leases to total assets | 33.9085% | 6,424 |
| Net loans and leases to deposits | 39.4548% | 6,444 |
| Net loans and leases to core deposits | 41.7933% | 6,408 |
| Total domestic deposits to total assets | 85.9426% | 3,555 |
| Equity capital to assets | 8.5121% | 6,010 |
| Core capital (leverage) ratio | 8.2225% | 5,913 |
| Tier 1 risk-based capital ratio | 17.8048% | 2,445 |
| Total risk-based capital ratio | 19.0996% | 2,390 |
| Memoranda: | ||
| Average total assets | $45,888,500 | 6,290 |
| Average earning assets | $41,691,000 | 6,291 |
| Average equity | $4,058,000 | 6,499 |
| Average total loans | $17,925,000 | 6,454 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8974% | 5,582 |
| Cost of funding earning assets | 0.6468% | 3,937 |
| Net interest margin | 3.2506% | 5,428 |
| Noninterest income to average assets | 0.0321% | 6,747 |
| Noninterest expense to average assets | 2.6493% | 4,572 |
| Loan and lease loss provision to assets | 0.8867% | 514 |
| Net operating income to assets | -0.5761% | 6,608 |
| Return on assets (ROA) | -0.5376% | 6,620 |
| Pretax return on assets | -0.5376% | 6,587 |
| Return on Equity (ROE) | -6.0270% | 6,628 |
| Retained earnings to average equity (ytd only) | -6.2671% | 6,492 |
| Net charge-offs to loans | 0.4032% | 2,641 |
| Credit loss provision to net charge-offs | 524.0506% | 463 |
| Earnings coverage of net charge-offs (x) | 1.8354% | 4,517 |
| Efficiency ratio | 89.5080% | 1,111 |
| Assets per employee ($millions) | 4.3845% | 3,183 |
| Cash dividends to net income (ytd only)* | -3.9841% | 7,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9901% | 70 |
| Loan loss allowance to noncurrent loans | 642.7746% | 659 |
| Noncurrent assets plus other real estate owned to assets | 1.3958% | 3,303 |
| Noncurrent loans to loans | 0.9319% | 4,329 |
| Net loans and leases to total assets | 39.8039% | 6,182 |
| Net loans and leases to deposits | 45.6667% | 6,274 |
| Net loans and leases to core deposits | 48.5966% | 6,232 |
| Total domestic deposits to total assets | 87.1616% | 2,734 |
| Equity capital to assets | 9.2052% | 5,261 |
| Core capital (leverage) ratio | 8.5274% | 5,572 |
| Tier 1 risk-based capital ratio | 17.8455% | 2,316 |
| Total risk-based capital ratio | 19.1428% | 2,262 |
| Memoranda: | ||
| Average total assets | $46,691,200 | 6,305 |
| Average earning assets | $42,053,800 | 6,308 |
| Average equity | $4,164,600 | 6,530 |
| Average total loans | $19,595,000 | 6,446 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9098% | 5,765 |
| Cost of funding earning assets | 0.6901% | 3,851 |
| Net interest margin | 3.2196% | 5,654 |
| Noninterest income to average assets | 0.1603% | 6,335 |
| Noninterest expense to average assets | 2.6833% | 4,437 |
| Loan and lease loss provision to assets | 1.1223% | 340 |
| Net operating income to assets | -0.7454% | 6,794 |
| Return on assets (ROA) | -0.7397% | 6,818 |
| Pretax return on assets | -0.7397% | 6,792 |
| Return on Equity (ROE) | -8.3555% | 6,825 |
| Retained earnings to average equity (ytd only) | -8.5461% | 6,768 |
| Net charge-offs to loans | -0.0940% | 6,838 |
| Credit loss provision to net charge-offs | -2,850.0000% | 6,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6838% | 1,228 |
| Assets per employee ($millions) | 4.6241% | 2,713 |
| Cash dividends to net income (ytd only)* | -2.2814% | 7,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3174% | 59 |
| Loan loss allowance to noncurrent loans | 664.8045% | 604 |
| Noncurrent assets plus other real estate owned to assets | 1.4641% | 3,405 |
| Noncurrent loans to loans | 0.9503% | 4,536 |
| Net loans and leases to total assets | 38.1631% | 6,410 |
| Net loans and leases to deposits | 44.2680% | 6,486 |
| Net loans and leases to core deposits | 46.9835% | 6,473 |
| Total domestic deposits to total assets | 86.2092% | 3,145 |
| Equity capital to assets | 8.9531% | 5,866 |
| Core capital (leverage) ratio | 8.2090% | 6,131 |
| Tier 1 risk-based capital ratio | 17.1349% | 2,680 |
| Total risk-based capital ratio | 18.4360% | 2,610 |
| Memoranda: | ||
| Average total assets | $47,402,750 | 6,356 |
| Average earning assets | $42,695,500 | 6,355 |
| Average equity | $4,196,750 | 6,600 |
| Average total loans | $19,852,750 | 6,519 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9203% | 5,865 |
| Cost of funding earning assets | 0.7452% | 3,639 |
| Net interest margin | 3.1751% | 5,807 |
| Noninterest income to average assets | 0.1339% | 6,519 |
| Noninterest expense to average assets | 2.4901% | 5,176 |
| Loan and lease loss provision to assets | 1.6698% | 203 |
| Net operating income to assets | -1.1551% | 6,943 |
| Return on assets (ROA) | -1.1551% | 6,963 |
| Pretax return on assets | -1.1551% | 6,936 |
| Return on Equity (ROE) | -13.0940% | 6,957 |
| Retained earnings to average equity (ytd only) | -13.3787% | 6,916 |
| Net charge-offs to loans | -0.0693% | 6,753 |
| Credit loss provision to net charge-offs | -5,700.0000% | 6,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8691% | 1,767 |
| Assets per employee ($millions) | 4.7248% | 2,535 |
| Cash dividends to net income (ytd only)* | -2.1739% | 7,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1474% | 75 |
| Loan loss allowance to noncurrent loans | 851.0791% | 476 |
| Noncurrent assets plus other real estate owned to assets | 1.4752% | 3,489 |
| Noncurrent loans to loans | 0.7223% | 5,063 |
| Net loans and leases to total assets | 38.2260% | 6,466 |
| Net loans and leases to deposits | 44.3073% | 6,540 |
| Net loans and leases to core deposits | 46.9898% | 6,517 |
| Total domestic deposits to total assets | 86.2746% | 3,211 |
| Equity capital to assets | 8.5210% | 6,190 |
| Core capital (leverage) ratio | 7.9468% | 6,326 |
| Tier 1 risk-based capital ratio | 16.4689% | 2,939 |
| Total risk-based capital ratio | 17.7662% | 2,870 |
| Memoranda: | ||
| Average total assets | $47,790,000 | 6,388 |
| Average earning assets | $43,210,670 | 6,374 |
| Average equity | $4,215,670 | 6,628 |
| Average total loans | $20,191,330 | 6,553 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0109% | 5,722 |
| Cost of funding earning assets | 0.8317% | 3,210 |
| Net interest margin | 3.1791% | 5,830 |
| Noninterest income to average assets | 0.0333% | 6,997 |
| Noninterest expense to average assets | 2.4552% | 5,302 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4411% | 5,073 |
| Return on assets (ROA) | 0.4411% | 5,265 |
| Pretax return on assets | 0.4411% | 5,613 |
| Return on Equity (ROE) | 4.9182% | 4,821 |
| Retained earnings to average equity (ytd only) | 4.9182% | 3,604 |
| Net charge-offs to loans | -0.0194% | 6,174 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7701% | 1,602 |
| Assets per employee ($millions) | 5.0399% | 2,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8867% | 403 |
| Loan loss allowance to noncurrent loans | 293.5849% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 1.6330% | 3,404 |
| Noncurrent loans to loans | 1.3239% | 4,128 |
| Net loans and leases to total assets | 38.1734% | 6,482 |
| Net loans and leases to deposits | 44.9825% | 6,493 |
| Net loans and leases to core deposits | 47.9262% | 6,462 |
| Total domestic deposits to total assets | 84.8628% | 4,102 |
| Equity capital to assets | 8.6232% | 5,962 |
| Core capital (leverage) ratio | 8.6230% | 5,413 |
| Tier 1 risk-based capital ratio | 16.6410% | 2,846 |
| Total risk-based capital ratio | 17.9146% | 2,784 |
| Memoranda: | ||
| Average total assets | $48,061,000 | 6,429 |
| Average earning assets | $43,282,500 | 6,418 |
| Average equity | $4,310,500 | 6,634 |
| Average total loans | $20,665,000 | 6,587 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3308% | 5,660 |
| Cost of funding earning assets | 1.0458% | 3,059 |
| Net interest margin | 3.2851% | 5,856 |
| Noninterest income to average assets | 0.3452% | 5,047 |
| Noninterest expense to average assets | 2.9001% | 3,958 |
| Loan and lease loss provision to assets | 0.7761% | 1,283 |
| Net operating income to assets | -0.3349% | 6,371 |
| Return on assets (ROA) | -0.1797% | 6,310 |
| Pretax return on assets | -0.1797% | 6,273 |
| Return on Equity (ROE) | -2.0777% | 6,343 |
| Retained earnings to average equity (ytd only) | -2.0777% | 6,165 |
| Net charge-offs to loans | 0.5070% | 2,963 |
| Credit loss provision to net charge-offs | 319.3277% | 731 |
| Earnings coverage of net charge-offs (x) | 1.8151% | 4,425 |
| Efficiency ratio | 86.7971% | 1,464 |
| Assets per employee ($millions) | 4.5723% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6457% | 488 |
| Loan loss allowance to noncurrent loans | 465.2695% | 732 |
| Noncurrent assets plus other real estate owned to assets | 1.6578% | 3,466 |
| Noncurrent loans to loans | 0.7836% | 5,118 |
| Net loans and leases to total assets | 44.9139% | 6,119 |
| Net loans and leases to deposits | 51.5773% | 6,248 |
| Net loans and leases to core deposits | 54.6781% | 6,251 |
| Total domestic deposits to total assets | 87.0809% | 2,717 |
| Equity capital to assets | 9.3498% | 5,090 |
| Core capital (leverage) ratio | 8.8145% | 5,075 |
| Tier 1 risk-based capital ratio | 16.1779% | 2,962 |
| Total risk-based capital ratio | 17.4514% | 2,919 |
| Memoranda: | ||
| Average total assets | $48,963,000 | 6,390 |
| Average earning assets | $44,656,600 | 6,371 |
| Average equity | $4,235,400 | 6,686 |
| Average total loans | $23,473,600 | 6,488 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3286% | 5,853 |
| Cost of funding earning assets | 1.0763% | 3,136 |
| Net interest margin | 3.2523% | 6,008 |
| Noninterest income to average assets | 0.3777% | 4,845 |
| Noninterest expense to average assets | 2.9440% | 3,763 |
| Loan and lease loss provision to assets | 0.9510% | 926 |
| Net operating income to assets | -0.5384% | 6,654 |
| Return on assets (ROA) | -0.4045% | 6,634 |
| Pretax return on assets | -0.4045% | 6,567 |
| Return on Equity (ROE) | -4.7646% | 6,668 |
| Retained earnings to average equity (ytd only) | -4.7646% | 6,581 |
| Net charge-offs to loans | 0.5053% | 2,739 |
| Credit loss provision to net charge-offs | 390.1099% | 726 |
| Earnings coverage of net charge-offs (x) | 1.6923% | 4,387 |
| Efficiency ratio | 87.7095% | 1,371 |
| Assets per employee ($millions) | 4.7454% | 2,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3778% | 622 |
| Loan loss allowance to noncurrent loans | 103.7234% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 1.6795% | 3,570 |
| Noncurrent loans to loans | 3.2565% | 2,132 |
| Net loans and leases to total assets | 47.0182% | 6,055 |
| Net loans and leases to deposits | 54.8773% | 6,132 |
| Net loans and leases to core deposits | 58.1997% | 6,112 |
| Total domestic deposits to total assets | 85.6788% | 3,399 |
| Equity capital to assets | 9.1099% | 5,630 |
| Core capital (leverage) ratio | 8.3715% | 5,896 |
| Tier 1 risk-based capital ratio | 15.1266% | 3,592 |
| Total risk-based capital ratio | 16.3986% | 3,545 |
| Memoranda: | ||
| Average total assets | $49,773,000 | 6,426 |
| Average earning assets | $45,587,000 | 6,399 |
| Average equity | $4,225,500 | 6,733 |
| Average total loans | $24,013,750 | 6,533 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2445% | 6,177 |
| Cost of funding earning assets | 1.1163% | 3,117 |
| Net interest margin | 3.1282% | 6,343 |
| Noninterest income to average assets | 0.2611% | 5,777 |
| Noninterest expense to average assets | 3.0072% | 3,616 |
| Loan and lease loss provision to assets | 1.4047% | 518 |
| Net operating income to assets | -1.2899% | 7,032 |
| Return on assets (ROA) | -1.2226% | 7,022 |
| Pretax return on assets | -1.2226% | 6,973 |
| Return on Equity (ROE) | -14.7389% | 7,056 |
| Retained earnings to average equity (ytd only) | -14.7389% | 7,027 |
| Net charge-offs to loans | 0.4852% | 2,647 |
| Credit loss provision to net charge-offs | 601.6949% | 512 |
| Earnings coverage of net charge-offs (x) | 0.4915% | 4,938 |
| Efficiency ratio | 96.3245% | 864 |
| Assets per employee ($millions) | 4.9638% | 2,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4714% | 610 |
| Loan loss allowance to noncurrent loans | 92.0635% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 2.0932% | 3,117 |
| Noncurrent loans to loans | 3.7707% | 1,855 |
| Net loans and leases to total assets | 45.4873% | 6,314 |
| Net loans and leases to deposits | 52.8894% | 6,405 |
| Net loans and leases to core deposits | 56.7297% | 6,364 |
| Total domestic deposits to total assets | 86.0047% | 3,326 |
| Equity capital to assets | 8.4210% | 6,279 |
| Core capital (leverage) ratio | 7.6761% | 6,610 |
| Tier 1 risk-based capital ratio | 14.5580% | 3,749 |
| Total risk-based capital ratio | 15.8351% | 3,707 |
| Memoranda: | ||
| Average total assets | $50,546,000 | 6,466 |
| Average earning assets | $46,224,330 | 6,431 |
| Average equity | $4,193,000 | 6,789 |
| Average total loans | $24,321,000 | 6,572 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2521% | 6,141 |
| Cost of funding earning assets | 1.1807% | 2,943 |
| Net interest margin | 3.0714% | 6,416 |
| Noninterest income to average assets | 0.2196% | 6,164 |
| Noninterest expense to average assets | 2.7137% | 4,779 |
| Loan and lease loss provision to assets | 2.7843% | 175 |
| Net operating income to assets | -2.4627% | 7,335 |
| Return on assets (ROA) | -2.4627% | 7,333 |
| Pretax return on assets | -2.4627% | 7,317 |
| Return on Equity (ROE) | -29.9083% | 7,320 |
| Retained earnings to average equity (ytd only) | -29.9083% | 7,294 |
| Net charge-offs to loans | 0.0484% | 4,456 |
| Credit loss provision to net charge-offs | 11,833.3333% | 19 |
| Earnings coverage of net charge-offs (x) | 13.6667% | 1,418 |
| Efficiency ratio | 89.4057% | 1,384 |
| Assets per employee ($millions) | 4.7608% | 2,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5306% | 590 |
| Loan loss allowance to noncurrent loans | 86.4542% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 2.1062% | 3,182 |
| Noncurrent loans to loans | 4.0838% | 1,765 |
| Net loans and leases to total assets | 45.2882% | 6,351 |
| Net loans and leases to deposits | 53.9452% | 6,294 |
| Net loans and leases to core deposits | 57.2999% | 6,318 |
| Total domestic deposits to total assets | 83.9523% | 4,508 |
| Equity capital to assets | 7.7584% | 6,705 |
| Core capital (leverage) ratio | 7.7100% | 6,550 |
| Tier 1 risk-based capital ratio | 13.7762% | 4,227 |
| Total risk-based capital ratio | 15.0808% | 4,167 |
| Memoranda: | ||
| Average total assets | $51,000,000 | 6,498 |
| Average earning assets | $46,753,500 | 6,463 |
| Average equity | $4,199,500 | 6,811 |
| Average total loans | $24,786,000 | 6,596 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5452% | 6,269 |
| Cost of funding earning assets | 1.7354% | 1,441 |
| Net interest margin | 2.8098% | 7,016 |
| Noninterest income to average assets | 0.4928% | 4,223 |
| Noninterest expense to average assets | 2.6048% | 5,397 |
| Loan and lease loss provision to assets | 1.5875% | 909 |
| Net operating income to assets | -1.1405% | 6,758 |
| Return on assets (ROA) | 0.0986% | 5,730 |
| Pretax return on assets | 0.0986% | 5,701 |
| Return on Equity (ROE) | 1.3052% | 5,621 |
| Retained earnings to average equity (ytd only) | 1.2353% | 4,937 |
| Net charge-offs to loans | 2.0901% | 957 |
| Credit loss provision to net charge-offs | 171.4829% | 1,968 |
| Earnings coverage of net charge-offs (x) | 0.4829% | 5,629 |
| Efficiency ratio | 85.3518% | 1,765 |
| Assets per employee ($millions) | 4.5119% | 2,847 |
| Cash dividends to net income (ytd only)* | 5.3571% | 3,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0651% | 2,142 |
| Loan loss allowance to noncurrent loans | 54.8353% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 1.9867% | 3,363 |
| Noncurrent loans to loans | 3.7660% | 1,969 |
| Net loans and leases to total assets | 49.3059% | 6,242 |
| Net loans and leases to deposits | 57.2823% | 6,327 |
| Net loans and leases to core deposits | 61.4047% | 6,284 |
| Total domestic deposits to total assets | 86.0752% | 3,319 |
| Equity capital to assets | 8.7365% | 5,530 |
| Core capital (leverage) ratio | 8.1464% | 5,916 |
| Tier 1 risk-based capital ratio | 14.8936% | 3,311 |
| Total risk-based capital ratio | 16.1822% | 3,244 |
| Memoranda: | ||
| Average total assets | $56,818,000 | 6,317 |
| Average earning assets | $51,747,200 | 6,301 |
| Average equity | $4,290,400 | 6,893 |
| Average total loans | $25,166,400 | 6,663 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6023% | 6,328 |
| Cost of funding earning assets | 1.8534% | 1,200 |
| Net interest margin | 2.7489% | 7,186 |
| Noninterest income to average assets | 0.3344% | 5,486 |
| Noninterest expense to average assets | 2.4794% | 5,785 |
| Loan and lease loss provision to assets | 1.8743% | 661 |
| Net operating income to assets | -1.5195% | 7,113 |
| Return on assets (ROA) | 0.0819% | 5,954 |
| Pretax return on assets | 0.0819% | 5,945 |
| Return on Equity (ROE) | 1.1218% | 5,867 |
| Retained earnings to average equity (ytd only) | 1.0283% | 5,401 |
| Net charge-offs to loans | 2.3693% | 735 |
| Credit loss provision to net charge-offs | 183.9286% | 1,972 |
| Earnings coverage of net charge-offs (x) | 0.3482% | 5,676 |
| Efficiency ratio | 87.4799% | 1,495 |
| Assets per employee ($millions) | 4.8459% | 2,392 |
| Cash dividends to net income (ytd only)* | 8.3333% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0101% | 2,189 |
| Loan loss allowance to noncurrent loans | 50.3415% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 1.9435% | 3,547 |
| Noncurrent loans to loans | 3.9928% | 1,881 |
| Net loans and leases to total assets | 47.1907% | 6,593 |
| Net loans and leases to deposits | 54.2309% | 6,756 |
| Net loans and leases to core deposits | 61.3073% | 6,515 |
| Total domestic deposits to total assets | 87.0181% | 2,516 |
| Equity capital to assets | 7.6747% | 7,017 |
| Core capital (leverage) ratio | 6.9421% | 7,195 |
| Tier 1 risk-based capital ratio | 13.5611% | 4,156 |
| Total risk-based capital ratio | 14.8466% | 4,075 |
| Memoranda: | ||
| Average total assets | $58,614,750 | 6,321 |
| Average earning assets | $53,305,500 | 6,316 |
| Average equity | $4,279,000 | 6,986 |
| Average total loans | $25,211,250 | 6,745 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6019% | 6,458 |
| Cost of funding earning assets | 1.9446% | 1,063 |
| Net interest margin | 2.6573% | 7,296 |
| Noninterest income to average assets | 0.3378% | 5,448 |
| Noninterest expense to average assets | 2.3582% | 6,187 |
| Loan and lease loss provision to assets | 2.4211% | 476 |
| Net operating income to assets | -2.0336% | 7,314 |
| Return on assets (ROA) | -1.1890% | 7,041 |
| Pretax return on assets | -1.1890% | 6,968 |
| Return on Equity (ROE) | -16.5374% | 7,190 |
| Retained earnings to average equity (ytd only) | -16.6756% | 7,157 |
| Net charge-offs to loans | 3.5518% | 410 |
| Credit loss provision to net charge-offs | 164.2697% | 2,401 |
| Earnings coverage of net charge-offs (x) | 0.2629% | 5,462 |
| Efficiency ratio | 85.8866% | 1,723 |
| Assets per employee ($millions) | 5.2685% | 1,845 |
| Cash dividends to net income (ytd only)* | -0.8357% | 7,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6237% | 3,352 |
| Loan loss allowance to noncurrent loans | 34.6623% | 6,052 |
| Noncurrent assets plus other real estate owned to assets | 1.9740% | 3,526 |
| Noncurrent loans to loans | 4.6842% | 1,528 |
| Net loans and leases to total assets | 40.8260% | 7,111 |
| Net loans and leases to deposits | 46.5164% | 7,226 |
| Net loans and leases to core deposits | 50.5216% | 7,192 |
| Total domestic deposits to total assets | 87.7669% | 2,130 |
| Equity capital to assets | 6.7318% | 7,428 |
| Core capital (leverage) ratio | 5.9240% | 7,493 |
| Tier 1 risk-based capital ratio | 11.2661% | 5,982 |
| Total risk-based capital ratio | 12.5441% | 5,935 |
| Memoranda: | ||
| Average total assets | $60,384,670 | 6,289 |
| Average earning assets | $54,716,330 | 6,295 |
| Average equity | $4,341,670 | 6,997 |
| Average total loans | $25,058,000 | 6,803 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8425% | 5,715 |
| Cost of funding earning assets | 2.0027% | 1,074 |
| Net interest margin | 2.8397% | 7,119 |
| Noninterest income to average assets | 0.2985% | 5,761 |
| Noninterest expense to average assets | 2.3742% | 6,180 |
| Loan and lease loss provision to assets | 4.7553% | 170 |
| Net operating income to assets | -4.2533% | 7,732 |
| Return on assets (ROA) | -4.2533% | 7,740 |
| Pretax return on assets | -4.2533% | 7,711 |
| Return on Equity (ROE) | -57.2015% | 7,737 |
| Retained earnings to average equity (ytd only) | -57.2015% | 7,728 |
| Net charge-offs to loans | 7.1766% | 123 |
| Credit loss provision to net charge-offs | 159.6811% | 2,256 |
| Earnings coverage of net charge-offs (x) | 0.1686% | 4,885 |
| Efficiency ratio | 82.5472% | 2,201 |
| Assets per employee ($millions) | 5.0383% | 2,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5942% | 3,474 |
| Loan loss allowance to noncurrent loans | 40.2806% | 5,673 |
| Noncurrent assets plus other real estate owned to assets | 1.6507% | 4,001 |
| Noncurrent loans to loans | 3.9578% | 1,988 |
| Net loans and leases to total assets | 41.0420% | 7,176 |
| Net loans and leases to deposits | 47.5045% | 7,253 |
| Net loans and leases to core deposits | 51.8872% | 7,210 |
| Total domestic deposits to total assets | 86.3960% | 2,942 |
| Equity capital to assets | 6.7913% | 7,455 |
| Core capital (leverage) ratio | 5.8361% | 7,605 |
| Tier 1 risk-based capital ratio | 11.0125% | 6,143 |
| Total risk-based capital ratio | 12.2942% | 6,089 |
| Memoranda: | ||
| Average total assets | $58,966,000 | 6,432 |
| Average earning assets | $53,526,500 | 6,413 |
| Average equity | $4,384,500 | 7,043 |
| Average total loans | $24,468,500 | 6,912 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1989% | 5,658 |
| Cost of funding earning assets | 2.3025% | 1,643 |
| Net interest margin | 2.8964% | 6,876 |
| Noninterest income to average assets | 0.3586% | 5,528 |
| Noninterest expense to average assets | 2.7817% | 5,043 |
| Loan and lease loss provision to assets | 0.9662% | 2,338 |
| Net operating income to assets | -0.7340% | 6,396 |
| Return on assets (ROA) | -0.6782% | 6,341 |
| Pretax return on assets | -0.6782% | 6,168 |
| Return on Equity (ROE) | -7.3812% | 6,420 |
| Retained earnings to average equity (ytd only) | -9.1203% | 6,441 |
| Net charge-offs to loans | 2.3341% | 996 |
| Credit loss provision to net charge-offs | 98.2987% | 5,666 |
| Earnings coverage of net charge-offs (x) | 0.2363% | 5,892 |
| Efficiency ratio | 92.2935% | 1,544 |
| Assets per employee ($millions) | 4.7893% | 2,497 |
| Cash dividends to net income (ytd only)* | -23.5616% | 7,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5902% | 7,568 |
| Loan loss allowance to noncurrent loans | 11.3544% | 7,343 |
| Noncurrent assets plus other real estate owned to assets | 2.1454% | 3,212 |
| Noncurrent loans to loans | 5.1979% | 1,277 |
| Net loans and leases to total assets | 41.0304% | 7,301 |
| Net loans and leases to deposits | 45.9642% | 7,444 |
| Net loans and leases to core deposits | 62.0602% | 7,189 |
| Total domestic deposits to total assets | 89.2661% | 1,345 |
| Equity capital to assets | 8.1135% | 6,448 |
| Core capital (leverage) ratio | 6.8649% | 7,335 |
| Tier 1 risk-based capital ratio | 13.8730% | 3,583 |
| Total risk-based capital ratio | 14.3539% | 4,027 |
| Memoranda: | ||
| Average total assets | $53,816,800 | 6,561 |
| Average earning assets | $49,337,000 | 6,552 |
| Average equity | $4,945,000 | 6,962 |
| Average total loans | $22,663,600 | 7,048 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1909% | 5,917 |
| Cost of funding earning assets | 2.3047% | 1,968 |
| Net interest margin | 2.8863% | 6,883 |
| Noninterest income to average assets | 0.3781% | 5,489 |
| Noninterest expense to average assets | 2.7647% | 5,042 |
| Loan and lease loss provision to assets | 0.0328% | 7,028 |
| Net operating income to assets | 0.2445% | 5,012 |
| Return on assets (ROA) | 0.2445% | 5,092 |
| Pretax return on assets | 0.2445% | 5,201 |
| Return on Equity (ROE) | 2.5786% | 4,957 |
| Retained earnings to average equity (ytd only) | 0.2925% | 5,072 |
| Net charge-offs to loans | 0.2262% | 4,641 |
| Credit loss provision to net charge-offs | 34.2105% | 6,477 |
| Earnings coverage of net charge-offs (x) | 2.8944% | 3,779 |
| Efficiency ratio | 90.8865% | 1,617 |
| Assets per employee ($millions) | 5.3668% | 1,735 |
| Cash dividends to net income (ytd only)* | 88.6569% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5192% | 7,688 |
| Loan loss allowance to noncurrent loans | 10.2479% | 7,449 |
| Noncurrent assets plus other real estate owned to assets | 2.0496% | 3,285 |
| Noncurrent loans to loans | 5.0659% | 1,286 |
| Net loans and leases to total assets | 40.2490% | 7,455 |
| Net loans and leases to deposits | 46.1657% | 7,562 |
| Net loans and leases to core deposits | 61.4567% | 7,346 |
| Total domestic deposits to total assets | 87.1839% | 2,085 |
| Equity capital to assets | 8.6474% | 6,037 |
| Core capital (leverage) ratio | 8.0465% | 6,281 |
| Tier 1 risk-based capital ratio | 15.1576% | 2,974 |
| Total risk-based capital ratio | 15.5753% | 3,318 |
| Memoranda: | ||
| Average total assets | $52,903,000 | 6,643 |
| Average earning assets | $48,827,750 | 6,619 |
| Average equity | $5,015,500 | 6,990 |
| Average total loans | $22,399,250 | 7,128 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3187% | 5,564 |
| Cost of funding earning assets | 2.3428% | 2,191 |
| Net interest margin | 2.9760% | 6,619 |
| Noninterest income to average assets | 0.3972% | 5,316 |
| Noninterest expense to average assets | 2.6465% | 5,575 |
| Loan and lease loss provision to assets | 0.0236% | 6,998 |
| Net operating income to assets | 0.4994% | 4,093 |
| Return on assets (ROA) | 0.4994% | 4,217 |
| Pretax return on assets | 0.4994% | 4,618 |
| Return on Equity (ROE) | 5.0946% | 4,039 |
| Retained earnings to average equity (ytd only) | 1.6447% | 4,424 |
| Net charge-offs to loans | 0.1370% | 4,798 |
| Credit loss provision to net charge-offs | 40.0000% | 5,902 |
| Earnings coverage of net charge-offs (x) | 8.8667% | 2,209 |
| Efficiency ratio | 83.4988% | 2,542 |
| Assets per employee ($millions) | 4.1545% | 3,385 |
| Cash dividends to net income (ytd only)* | 67.7165% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6163% | 7,603 |
| Loan loss allowance to noncurrent loans | 20.5882% | 7,092 |
| Noncurrent assets plus other real estate owned to assets | 1.2590% | 4,421 |
| Noncurrent loans to loans | 2.9936% | 2,418 |
| Net loans and leases to total assets | 41.7986% | 7,458 |
| Net loans and leases to deposits | 48.5338% | 7,543 |
| Net loans and leases to core deposits | 63.8758% | 7,306 |
| Total domestic deposits to total assets | 86.1227% | 2,725 |
| Equity capital to assets | 9.1874% | 5,032 |
| Core capital (leverage) ratio | 8.5632% | 5,326 |
| Tier 1 risk-based capital ratio | 16.1659% | 2,563 |
| Total risk-based capital ratio | 16.6655% | 2,778 |
| Memoranda: | ||
| Average total assets | $50,859,000 | 6,790 |
| Average earning assets | $47,379,670 | 6,734 |
| Average equity | $4,985,670 | 7,069 |
| Average total loans | $21,904,000 | 7,219 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5079% | 4,873 |
| Cost of funding earning assets | 2.3494% | 2,508 |
| Net interest margin | 3.1586% | 5,991 |
| Noninterest income to average assets | 0.2435% | 6,510 |
| Noninterest expense to average assets | 2.6946% | 5,031 |
| Loan and lease loss provision to assets | 0.0162% | 6,660 |
| Net operating income to assets | 0.4789% | 4,528 |
| Return on assets (ROA) | 0.4789% | 4,714 |
| Pretax return on assets | 0.4789% | 5,141 |
| Return on Equity (ROE) | 4.7224% | 4,594 |
| Retained earnings to average equity (ytd only) | 3.5218% | 3,935 |
| Net charge-offs to loans | 0.3163% | 2,838 |
| Credit loss provision to net charge-offs | 11.7647% | 5,175 |
| Earnings coverage of net charge-offs (x) | 3.5882% | 3,129 |
| Efficiency ratio | 84.4784% | 2,249 |
| Assets per employee ($millions) | 4.3982% | 2,890 |
| Cash dividends to net income (ytd only)* | 25.4237% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6059% | 7,650 |
| Loan loss allowance to noncurrent loans | 20.0000% | 7,168 |
| Noncurrent assets plus other real estate owned to assets | 1.3036% | 4,068 |
| Noncurrent loans to loans | 3.0295% | 2,154 |
| Net loans and leases to total assets | 41.6499% | 7,485 |
| Net loans and leases to deposits | 49.7162% | 7,507 |
| Net loans and leases to core deposits | 68.4520% | 7,110 |
| Total domestic deposits to total assets | 83.7754% | 3,816 |
| Equity capital to assets | 9.5551% | 4,600 |
| Core capital (leverage) ratio | 9.1668% | 4,457 |
| Tier 1 risk-based capital ratio | 16.7214% | 2,437 |
| Total risk-based capital ratio | 17.2157% | 2,639 |
| Memoranda: | ||
| Average total assets | $49,284,000 | 6,898 |
| Average earning assets | $45,970,000 | 6,838 |
| Average equity | $4,997,500 | 7,111 |
| Average total loans | $21,498,500 | 7,275 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8616% | 6,226 |
| Cost of funding earning assets | 2.8975% | 2,273 |
| Net interest margin | 2.9641% | 7,001 |
| Noninterest income to average assets | 0.3542% | 5,894 |
| Noninterest expense to average assets | 2.8078% | 4,791 |
| Loan and lease loss provision to assets | 0.2173% | 4,713 |
| Net operating income to assets | 0.0348% | 6,269 |
| Return on assets (ROA) | 0.1521% | 5,803 |
| Pretax return on assets | 0.1521% | 5,838 |
| Return on Equity (ROE) | 1.5102% | 5,764 |
| Retained earnings to average equity (ytd only) | -2.6536% | 6,030 |
| Net charge-offs to loans | 0.6670% | 1,853 |
| Credit loss provision to net charge-offs | 73.5294% | 6,021 |
| Earnings coverage of net charge-offs (x) | 0.8529% | 5,715 |
| Efficiency ratio | 91.7614% | 1,393 |
| Assets per employee ($millions) | 3.5223% | 4,612 |
| Cash dividends to net income (ytd only)* | 275.7143% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7136% | 7,384 |
| Loan loss allowance to noncurrent loans | 20.1897% | 7,232 |
| Noncurrent assets plus other real estate owned to assets | 1.6117% | 3,024 |
| Noncurrent loans to loans | 3.5343% | 1,431 |
| Net loans and leases to total assets | 45.2763% | 7,389 |
| Net loans and leases to deposits | 52.9040% | 7,493 |
| Net loans and leases to core deposits | 69.9036% | 7,192 |
| Total domestic deposits to total assets | 85.5820% | 2,592 |
| Equity capital to assets | 10.8146% | 3,194 |
| Core capital (leverage) ratio | 9.7083% | 3,756 |
| Tier 1 risk-based capital ratio | 18.1374% | 2,009 |
| Total risk-based capital ratio | 18.7394% | 2,121 |
| Memoranda: | ||
| Average total assets | $46,014,200 | 6,935 |
| Average earning assets | $42,002,200 | 6,949 |
| Average equity | $4,635,200 | 7,286 |
| Average total loans | $20,389,600 | 7,309 |