Home > Fidelity National Bank > Performance and Condition Ratios
Fidelity National Bank, Performance and Condition Ratios
| 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 | 4.5512% | 1,382 |
| Cost of funding earning assets | 0.4183% | 2,852 |
| Net interest margin | 4.1329% | 1,285 |
| Noninterest income to average assets | -0.0545% | 6,031 |
| Noninterest expense to average assets | 4.3939% | 419 |
| Loan and lease loss provision to assets | -0.4150% | 6,008 |
| Net operating income to assets | -0.2291% | 5,857 |
| Return on assets (ROA) | -0.2348% | 5,872 |
| Pretax return on assets | -0.2917% | 5,877 |
| Return on Equity (ROE) | -2.7185% | 5,888 |
| Retained earnings to average equity (ytd only) | -2.7185% | 5,602 |
| Net charge-offs to loans | -0.0730% | 5,510 |
| Credit loss provision to net charge-offs | 875.0000% | 412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.9345% | 95 |
| Assets per employee ($millions) | 2.6555% | 5,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8692% | 946 |
| Loan loss allowance to noncurrent loans | 75.1506% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 1.5887% | 1,170 |
| Noncurrent loans to loans | 2.4873% | 709 |
| Net loans and leases to total assets | 61.6555% | 3,661 |
| Net loans and leases to deposits | 67.7648% | 4,199 |
| Net loans and leases to core deposits | 75.1984% | 3,892 |
| Total domestic deposits to total assets | 90.9846% | 193 |
| Equity capital to assets | 8.7435% | 5,445 |
| Core capital (leverage) ratio | 8.7288% | 5,138 |
| Tier 1 risk-based capital ratio | 13.3029% | 4,019 |
| Total risk-based capital ratio | 14.5634% | 3,930 |
| Memoranda: | ||
| Average total assets | $84,343,670 | 4,717 |
| Average earning assets | $76,507,670 | 4,745 |
| Average equity | $7,283,330 | 5,143 |
| Average total loans | $54,785,670 | 4,510 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1833% | 2,536 |
| Cost of funding earning assets | 0.4299% | 2,771 |
| Net interest margin | 3.7534% | 2,463 |
| Noninterest income to average assets | -0.1476% | 6,104 |
| Noninterest expense to average assets | 4.7985% | 311 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -1.4222% | 6,053 |
| Return on assets (ROA) | -1.4091% | 6,056 |
| Pretax return on assets | -1.5233% | 6,052 |
| Return on Equity (ROE) | -16.4216% | 6,056 |
| Retained earnings to average equity (ytd only) | -16.4216% | 5,922 |
| Net charge-offs to loans | 0.0433% | 2,136 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -53.8333% | 3,087 |
| Efficiency ratio | 147.1533% | 47 |
| Assets per employee ($millions) | 2.5639% | 5,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1182% | 667 |
| Loan loss allowance to noncurrent loans | 72.6409% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 1.9526% | 909 |
| Noncurrent loans to loans | 2.9159% | 572 |
| Net loans and leases to total assets | 64.6044% | 3,164 |
| Net loans and leases to deposits | 70.8828% | 3,769 |
| Net loans and leases to core deposits | 79.2382% | 3,389 |
| Total domestic deposits to total assets | 91.1426% | 232 |
| Equity capital to assets | 8.6673% | 5,447 |
| Core capital (leverage) ratio | 8.4329% | 5,455 |
| Tier 1 risk-based capital ratio | 12.8529% | 4,354 |
| Total risk-based capital ratio | 14.1170% | 4,256 |
| Memoranda: | ||
| Average total assets | $84,027,000 | 4,766 |
| Average earning assets | $76,304,000 | 4,788 |
| Average equity | $7,210,000 | 5,186 |
| Average total loans | $55,483,000 | 4,514 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2810% | 2,278 |
| Cost of funding earning assets | 0.4594% | 2,540 |
| Net interest margin | 3.8216% | 2,296 |
| Noninterest income to average assets | 0.4280% | 3,829 |
| Noninterest expense to average assets | 4.5976% | 384 |
| Loan and lease loss provision to assets | -0.2948% | 6,057 |
| Net operating income to assets | -1.4032% | 6,123 |
| Return on assets (ROA) | -1.3372% | 6,122 |
| Pretax return on assets | -0.3950% | 6,015 |
| Return on Equity (ROE) | -13.9597% | 6,117 |
| Retained earnings to average equity (ytd only) | -13.9597% | 6,078 |
| Net charge-offs to loans | 0.3374% | 880 |
| Credit loss provision to net charge-offs | -135.1351% | 5,207 |
| Earnings coverage of net charge-offs (x) | -3.4649% | 4,381 |
| Efficiency ratio | 119.6746% | 92 |
| Assets per employee ($millions) | 2.3246% | 5,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0294% | 767 |
| Loan loss allowance to noncurrent loans | 47.2154% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 3.5635% | 327 |
| Noncurrent loans to loans | 4.2982% | 258 |
| Net loans and leases to total assets | 64.7157% | 3,163 |
| Net loans and leases to deposits | 71.8201% | 3,737 |
| Net loans and leases to core deposits | 79.9443% | 3,351 |
| Total domestic deposits to total assets | 90.1081% | 587 |
| Equity capital to assets | 8.4978% | 5,566 |
| Core capital (leverage) ratio | 8.5166% | 5,412 |
| Tier 1 risk-based capital ratio | 13.1334% | 4,215 |
| Total risk-based capital ratio | 14.3940% | 4,130 |
| Memoranda: | ||
| Average total assets | $84,804,800 | 4,772 |
| Average earning assets | $75,754,200 | 4,814 |
| Average equity | $8,123,400 | 5,040 |
| Average total loans | $54,837,800 | 4,535 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3621% | 2,040 |
| Cost of funding earning assets | 0.4628% | 2,553 |
| Net interest margin | 3.8993% | 2,034 |
| Noninterest income to average assets | 0.4434% | 3,766 |
| Noninterest expense to average assets | 4.6482% | 374 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.2951% | 6,086 |
| Return on assets (ROA) | -0.2951% | 6,095 |
| Pretax return on assets | -0.7353% | 6,161 |
| Return on Equity (ROE) | -2.9942% | 6,103 |
| Retained earnings to average equity (ytd only) | -2.9942% | 5,936 |
| Net charge-offs to loans | 0.4735% | 527 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -2.4145% | 4,086 |
| Efficiency ratio | 118.7903% | 101 |
| Assets per employee ($millions) | 2.1861% | 6,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5289% | 419 |
| Loan loss allowance to noncurrent loans | 65.9263% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 3.3159% | 409 |
| Noncurrent loans to loans | 3.8359% | 363 |
| Net loans and leases to total assets | 63.0665% | 3,446 |
| Net loans and leases to deposits | 70.8779% | 3,896 |
| Net loans and leases to core deposits | 78.7833% | 3,530 |
| Total domestic deposits to total assets | 88.9791% | 1,036 |
| Equity capital to assets | 9.6498% | 4,576 |
| Core capital (leverage) ratio | 9.2752% | 4,620 |
| Tier 1 risk-based capital ratio | 14.5639% | 3,520 |
| Total risk-based capital ratio | 15.8380% | 3,430 |
| Memoranda: | ||
| Average total assets | $84,503,500 | 4,835 |
| Average earning assets | $75,192,000 | 4,889 |
| Average equity | $8,327,000 | 5,064 |
| Average total loans | $54,343,500 | 4,593 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3010% | 2,164 |
| Cost of funding earning assets | 0.4619% | 2,593 |
| Net interest margin | 3.8392% | 2,176 |
| Noninterest income to average assets | 0.4771% | 3,518 |
| Noninterest expense to average assets | 4.5221% | 413 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.3526% | 6,149 |
| Return on assets (ROA) | -0.2872% | 6,147 |
| Pretax return on assets | -0.5294% | 6,195 |
| Return on Equity (ROE) | -2.8946% | 6,156 |
| Retained earnings to average equity (ytd only) | -2.8946% | 5,915 |
| Net charge-offs to loans | 0.1406% | 1,659 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -7.0000% | 3,836 |
| Efficiency ratio | 116.2294% | 125 |
| Assets per employee ($millions) | 2.2382% | 6,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8973% | 300 |
| Loan loss allowance to noncurrent loans | 100.3886% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 2.8205% | 618 |
| Noncurrent loans to loans | 2.8860% | 704 |
| Net loans and leases to total assets | 59.5138% | 3,903 |
| Net loans and leases to deposits | 68.0888% | 4,128 |
| Net loans and leases to core deposits | 75.9710% | 3,772 |
| Total domestic deposits to total assets | 87.4062% | 1,959 |
| Equity capital to assets | 9.4330% | 4,734 |
| Core capital (leverage) ratio | 9.2110% | 4,674 |
| Tier 1 risk-based capital ratio | 14.8087% | 3,465 |
| Total risk-based capital ratio | 16.0867% | 3,388 |
| Memoranda: | ||
| Average total assets | $84,252,670 | 4,887 |
| Average earning assets | $74,912,330 | 4,944 |
| Average equity | $8,360,330 | 5,085 |
| Average total loans | $54,070,330 | 4,643 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0561% | 3,021 |
| Cost of funding earning assets | 0.4737% | 2,517 |
| Net interest margin | 3.5824% | 3,070 |
| Noninterest income to average assets | 0.4641% | 3,541 |
| Noninterest expense to average assets | 4.8154% | 338 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.7591% | 6,289 |
| Return on assets (ROA) | -0.7591% | 6,296 |
| Pretax return on assets | -1.1700% | 6,326 |
| Return on Equity (ROE) | -7.4553% | 6,298 |
| Retained earnings to average equity (ytd only) | -7.4553% | 6,055 |
| Net charge-offs to loans | 0.0883% | 1,837 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -20.1667% | 3,260 |
| Efficiency ratio | 132.0955% | 79 |
| Assets per employee ($millions) | 2.0434% | 6,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9824% | 301 |
| Loan loss allowance to noncurrent loans | 52.9037% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 4.7935% | 264 |
| Noncurrent loans to loans | 5.6373% | 205 |
| Net loans and leases to total assets | 61.1936% | 3,495 |
| Net loans and leases to deposits | 68.1529% | 3,937 |
| Net loans and leases to core deposits | 75.7517% | 3,621 |
| Total domestic deposits to total assets | 89.7887% | 851 |
| Equity capital to assets | 9.9821% | 4,170 |
| Core capital (leverage) ratio | 9.6452% | 4,088 |
| Tier 1 risk-based capital ratio | 15.0886% | 3,389 |
| Total risk-based capital ratio | 16.2997% | 3,332 |
| Memoranda: | ||
| Average total assets | $82,734,500 | 4,966 |
| Average earning assets | $73,470,000 | 5,013 |
| Average equity | $8,423,500 | 5,107 |
| Average total loans | $54,356,000 | 4,660 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5583% | 1,669 |
| Cost of funding earning assets | 0.4748% | 2,936 |
| Net interest margin | 4.0835% | 1,636 |
| Noninterest income to average assets | 0.7195% | 2,210 |
| Noninterest expense to average assets | 6.5897% | 155 |
| Loan and lease loss provision to assets | 0.1951% | 1,310 |
| Net operating income to assets | -1.6429% | 6,437 |
| Return on assets (ROA) | -1.5584% | 6,434 |
| Pretax return on assets | -2.3608% | 6,460 |
| Return on Equity (ROE) | -13.9258% | 6,405 |
| Retained earnings to average equity (ytd only) | -13.9258% | 6,373 |
| Net charge-offs to loans | 0.5906% | 677 |
| Credit loss provision to net charge-offs | 47.1976% | 3,545 |
| Earnings coverage of net charge-offs (x) | -5.5487% | 4,892 |
| Efficiency ratio | 153.3920% | 50 |
| Assets per employee ($millions) | 2.0422% | 6,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8424% | 355 |
| Loan loss allowance to noncurrent loans | 52.7750% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 5.0692% | 270 |
| Noncurrent loans to loans | 5.3859% | 246 |
| Net loans and leases to total assets | 66.4471% | 2,815 |
| Net loans and leases to deposits | 74.4306% | 3,380 |
| Net loans and leases to core deposits | 83.3538% | 2,968 |
| Total domestic deposits to total assets | 89.2740% | 1,082 |
| Equity capital to assets | 10.3796% | 3,629 |
| Core capital (leverage) ratio | 10.1590% | 3,357 |
| Tier 1 risk-based capital ratio | 15.9379% | 2,993 |
| Total risk-based capital ratio | 17.1294% | 2,974 |
| Memoranda: | ||
| Average total assets | $82,007,000 | 5,013 |
| Average earning assets | $71,825,400 | 5,089 |
| Average equity | $9,177,200 | 4,928 |
| Average total loans | $57,396,200 | 4,573 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6128% | 1,527 |
| Cost of funding earning assets | 0.4698% | 3,055 |
| Net interest margin | 4.1430% | 1,453 |
| Noninterest income to average assets | 0.8219% | 1,809 |
| Noninterest expense to average assets | 6.2047% | 171 |
| Loan and lease loss provision to assets | 0.2599% | 819 |
| Net operating income to assets | -1.3096% | 6,494 |
| Return on assets (ROA) | -1.2020% | 6,479 |
| Pretax return on assets | -1.8533% | 6,512 |
| Return on Equity (ROE) | -10.5503% | 6,447 |
| Retained earnings to average equity (ytd only) | -10.5503% | 6,382 |
| Net charge-offs to loans | 0.5261% | 725 |
| Credit loss provision to net charge-offs | 70.1754% | 2,766 |
| Earnings coverage of net charge-offs (x) | -4.7500% | 4,605 |
| Efficiency ratio | 139.5689% | 74 |
| Assets per employee ($millions) | 2.1798% | 6,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9136% | 392 |
| Loan loss allowance to noncurrent loans | 56.6900% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 5.7371% | 250 |
| Noncurrent loans to loans | 5.1395% | 344 |
| Net loans and leases to total assets | 70.1963% | 2,165 |
| Net loans and leases to deposits | 80.4325% | 2,627 |
| Net loans and leases to core deposits | 90.0235% | 2,223 |
| Total domestic deposits to total assets | 87.2736% | 2,168 |
| Equity capital to assets | 11.1208% | 2,840 |
| Core capital (leverage) ratio | 11.1734% | 2,333 |
| Tier 1 risk-based capital ratio | 16.3135% | 2,896 |
| Total risk-based capital ratio | 17.5331% | 2,867 |
| Memoranda: | ||
| Average total assets | $82,086,500 | 5,062 |
| Average earning assets | $71,798,750 | 5,145 |
| Average equity | $9,351,750 | 4,935 |
| Average total loans | $57,778,250 | 4,601 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6144% | 1,494 |
| Cost of funding earning assets | 0.4676% | 3,133 |
| Net interest margin | 4.1468% | 1,392 |
| Noninterest income to average assets | 0.9302% | 1,394 |
| Noninterest expense to average assets | 5.9541% | 186 |
| Loan and lease loss provision to assets | 0.3876% | 440 |
| Net operating income to assets | -1.1537% | 6,546 |
| Return on assets (ROA) | -0.9956% | 6,525 |
| Pretax return on assets | -1.5551% | 6,563 |
| Return on Equity (ROE) | -8.6715% | 6,499 |
| Retained earnings to average equity (ytd only) | -8.6715% | 6,392 |
| Net charge-offs to loans | 0.6285% | 617 |
| Credit loss provision to net charge-offs | 88.3978% | 2,209 |
| Earnings coverage of net charge-offs (x) | -3.2265% | 4,272 |
| Efficiency ratio | 131.1633% | 95 |
| Assets per employee ($millions) | 2.2509% | 6,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0580% | 357 |
| Loan loss allowance to noncurrent loans | 59.9176% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 6.0865% | 239 |
| Noncurrent loans to loans | 5.1036% | 379 |
| Net loans and leases to total assets | 68.3076% | 2,368 |
| Net loans and leases to deposits | 79.2699% | 2,616 |
| Net loans and leases to core deposits | 88.7960% | 2,233 |
| Total domestic deposits to total assets | 86.1709% | 2,956 |
| Equity capital to assets | 11.4918% | 2,432 |
| Core capital (leverage) ratio | 11.3691% | 2,103 |
| Tier 1 risk-based capital ratio | 17.0478% | 2,600 |
| Total risk-based capital ratio | 18.2921% | 2,559 |
| Memoranda: | ||
| Average total assets | $82,565,000 | 5,092 |
| Average earning assets | $71,862,670 | 5,181 |
| Average equity | $9,479,330 | 4,913 |
| Average total loans | $57,600,000 | 4,634 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5821% | 1,552 |
| Cost of funding earning assets | 0.4742% | 3,185 |
| Net interest margin | 4.1079% | 1,438 |
| Noninterest income to average assets | 1.2480% | 705 |
| Noninterest expense to average assets | 6.6049% | 158 |
| Loan and lease loss provision to assets | 0.5760% | 233 |
| Net operating income to assets | -1.5086% | 6,632 |
| Return on assets (ROA) | -1.1952% | 6,598 |
| Pretax return on assets | -1.8672% | 6,637 |
| Return on Equity (ROE) | -10.4151% | 6,567 |
| Retained earnings to average equity (ytd only) | -10.4151% | 6,374 |
| Net charge-offs to loans | 1.3690% | 238 |
| Credit loss provision to net charge-offs | 60.6061% | 2,096 |
| Earnings coverage of net charge-offs (x) | -1.8737% | 3,534 |
| Efficiency ratio | 136.9154% | 95 |
| Assets per employee ($millions) | 2.2330% | 6,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9547% | 455 |
| Loan loss allowance to noncurrent loans | 40.0237% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 7.6882% | 179 |
| Noncurrent loans to loans | 7.3823% | 200 |
| Net loans and leases to total assets | 67.1448% | 2,365 |
| Net loans and leases to deposits | 77.6776% | 2,607 |
| Net loans and leases to core deposits | 86.7678% | 2,230 |
| Total domestic deposits to total assets | 86.4403% | 3,140 |
| Equity capital to assets | 11.4379% | 2,301 |
| Core capital (leverage) ratio | 11.5883% | 1,905 |
| Tier 1 risk-based capital ratio | 17.1547% | 2,616 |
| Total risk-based capital ratio | 18.4272% | 2,563 |
| Memoranda: | ||
| Average total assets | $83,331,500 | 5,124 |
| Average earning assets | $72,542,500 | 5,216 |
| Average equity | $9,563,000 | 4,921 |
| Average total loans | $57,851,500 | 4,660 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9773% | 956 |
| Cost of funding earning assets | 0.5124% | 3,476 |
| Net interest margin | 4.4649% | 795 |
| Noninterest income to average assets | 0.9793% | 1,443 |
| Noninterest expense to average assets | 4.7197% | 436 |
| Loan and lease loss provision to assets | 0.3711% | 835 |
| Net operating income to assets | -0.0525% | 6,256 |
| Return on assets (ROA) | 0.0000% | 6,253 |
| Pretax return on assets | -0.0902% | 6,281 |
| Return on Equity (ROE) | 0.0000% | 6,254 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,851 |
| Net charge-offs to loans | -0.0064% | 5,956 |
| Credit loss provision to net charge-offs | -8,025.0000% | 6,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9567% | 643 |
| Assets per employee ($millions) | 2.2117% | 6,561 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0185% | 459 |
| Loan loss allowance to noncurrent loans | 37.8211% | 5,706 |
| Noncurrent assets plus other real estate owned to assets | 9.4464% | 138 |
| Noncurrent loans to loans | 7.9810% | 189 |
| Net loans and leases to total assets | 67.5511% | 2,425 |
| Net loans and leases to deposits | 79.6945% | 2,494 |
| Net loans and leases to core deposits | 89.3794% | 2,097 |
| Total domestic deposits to total assets | 84.7626% | 3,866 |
| Equity capital to assets | 11.5132% | 2,156 |
| Core capital (leverage) ratio | 11.6146% | 1,885 |
| Tier 1 risk-based capital ratio | 16.7641% | 2,735 |
| Total risk-based capital ratio | 18.0366% | 2,673 |
| Memoranda: | ||
| Average total assets | $86,488,000 | 5,067 |
| Average earning assets | $76,306,600 | 5,144 |
| Average equity | $9,927,200 | 4,861 |
| Average total loans | $62,115,200 | 4,541 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0763% | 807 |
| Cost of funding earning assets | 0.5204% | 3,563 |
| Net interest margin | 4.5559% | 670 |
| Noninterest income to average assets | 1.0011% | 1,450 |
| Noninterest expense to average assets | 4.6811% | 448 |
| Loan and lease loss provision to assets | 0.3261% | 1,018 |
| Net operating income to assets | 0.0827% | 6,168 |
| Return on assets (ROA) | 0.0827% | 6,221 |
| Pretax return on assets | 0.0276% | 6,295 |
| Return on Equity (ROE) | 0.7207% | 6,226 |
| Retained earnings to average equity (ytd only) | 0.7207% | 5,686 |
| Net charge-offs to loans | 0.0021% | 5,171 |
| Credit loss provision to net charge-offs | 21,300.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 231.5714% | 253 |
| Efficiency ratio | 92.9766% | 791 |
| Assets per employee ($millions) | 2.2175% | 6,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7235% | 722 |
| Loan loss allowance to noncurrent loans | 55.2992% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 7.5594% | 254 |
| Noncurrent loans to loans | 4.9250% | 619 |
| Net loans and leases to total assets | 70.1078% | 1,948 |
| Net loans and leases to deposits | 84.4476% | 1,825 |
| Net loans and leases to core deposits | 94.9089% | 1,488 |
| Total domestic deposits to total assets | 83.0192% | 4,566 |
| Equity capital to assets | 11.6227% | 2,197 |
| Core capital (leverage) ratio | 11.6902% | 1,897 |
| Tier 1 risk-based capital ratio | 16.0431% | 3,172 |
| Total risk-based capital ratio | 17.3105% | 3,120 |
| Memoranda: | ||
| Average total assets | $87,099,250 | 5,097 |
| Average earning assets | $77,114,750 | 5,166 |
| Average equity | $9,990,000 | 4,910 |
| Average total loans | $63,009,250 | 4,554 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1071% | 763 |
| Cost of funding earning assets | 0.5368% | 3,528 |
| Net interest margin | 4.5703% | 629 |
| Noninterest income to average assets | 1.0381% | 1,414 |
| Noninterest expense to average assets | 4.2320% | 672 |
| Loan and lease loss provision to assets | 0.3203% | 1,096 |
| Net operating income to assets | 0.3884% | 5,255 |
| Return on assets (ROA) | 0.3884% | 5,421 |
| Pretax return on assets | 0.5475% | 5,209 |
| Return on Equity (ROE) | 3.4012% | 5,468 |
| Retained earnings to average equity (ytd only) | 3.4012% | 4,152 |
| Net charge-offs to loans | 0.0502% | 3,974 |
| Credit loss provision to net charge-offs | 881.2500% | 344 |
| Earnings coverage of net charge-offs (x) | 23.8750% | 1,316 |
| Efficiency ratio | 82.9844% | 1,759 |
| Assets per employee ($millions) | 2.1937% | 6,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6262% | 854 |
| Loan loss allowance to noncurrent loans | 52.7432% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 7.8108% | 273 |
| Noncurrent loans to loans | 4.9791% | 654 |
| Net loans and leases to total assets | 69.7009% | 1,936 |
| Net loans and leases to deposits | 83.6710% | 1,840 |
| Net loans and leases to core deposits | 94.0040% | 1,519 |
| Total domestic deposits to total assets | 83.3035% | 4,587 |
| Equity capital to assets | 11.9747% | 1,929 |
| Core capital (leverage) ratio | 11.3613% | 2,045 |
| Tier 1 risk-based capital ratio | 16.6341% | 2,874 |
| Total risk-based capital ratio | 17.9057% | 2,830 |
| Memoranda: | ||
| Average total assets | $88,043,670 | 5,108 |
| Average earning assets | $78,244,670 | 5,162 |
| Average equity | $10,055,330 | 4,924 |
| Average total loans | $63,768,670 | 4,552 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0709% | 789 |
| Cost of funding earning assets | 0.5756% | 3,328 |
| Net interest margin | 4.4953% | 684 |
| Noninterest income to average assets | 1.0223% | 1,417 |
| Noninterest expense to average assets | 4.2396% | 669 |
| Loan and lease loss provision to assets | 0.2655% | 1,339 |
| Net operating income to assets | 0.3850% | 5,184 |
| Return on assets (ROA) | 0.3850% | 5,328 |
| Pretax return on assets | 0.5266% | 5,187 |
| Return on Equity (ROE) | 3.4483% | 5,371 |
| Retained earnings to average equity (ytd only) | 3.4483% | 4,183 |
| Net charge-offs to loans | -0.0182% | 5,678 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2568% | 1,729 |
| Assets per employee ($millions) | 2.3386% | 6,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3715% | 1,293 |
| Loan loss allowance to noncurrent loans | 73.8469% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 6.3129% | 490 |
| Noncurrent loans to loans | 3.2114% | 1,530 |
| Net loans and leases to total assets | 69.7196% | 1,710 |
| Net loans and leases to deposits | 82.1765% | 1,803 |
| Net loans and leases to core deposits | 91.8099% | 1,523 |
| Total domestic deposits to total assets | 84.8412% | 4,125 |
| Equity capital to assets | 11.3913% | 2,531 |
| Core capital (leverage) ratio | 11.0647% | 2,208 |
| Tier 1 risk-based capital ratio | 15.5685% | 3,492 |
| Total risk-based capital ratio | 16.8729% | 3,428 |
| Memoranda: | ||
| Average total assets | $90,386,000 | 5,087 |
| Average earning assets | $80,617,500 | 5,135 |
| Average equity | $10,092,000 | 4,964 |
| Average total loans | $65,818,500 | 4,499 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2406% | 1,040 |
| Cost of funding earning assets | 0.7741% | 2,875 |
| Net interest margin | 4.4665% | 1,008 |
| Noninterest income to average assets | 1.0860% | 1,315 |
| Noninterest expense to average assets | 4.1083% | 851 |
| Loan and lease loss provision to assets | 0.3760% | 1,742 |
| Net operating income to assets | 0.4070% | 5,074 |
| Return on assets (ROA) | 0.4070% | 5,327 |
| Pretax return on assets | 0.5706% | 5,079 |
| Return on Equity (ROE) | 3.7106% | 5,267 |
| Retained earnings to average equity (ytd only) | 3.7106% | 3,607 |
| Net charge-offs to loans | -0.0404% | 6,669 |
| Credit loss provision to net charge-offs | -1,259.2593% | 6,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2732% | 1,977 |
| Assets per employee ($millions) | 2.6259% | 6,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1151% | 1,729 |
| Loan loss allowance to noncurrent loans | 51.0442% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 6.9604% | 448 |
| Noncurrent loans to loans | 4.1437% | 1,103 |
| Net loans and leases to total assets | 72.6101% | 1,403 |
| Net loans and leases to deposits | 81.8679% | 2,013 |
| Net loans and leases to core deposits | 90.9070% | 1,730 |
| Total domestic deposits to total assets | 88.6917% | 1,775 |
| Equity capital to assets | 10.9471% | 3,016 |
| Core capital (leverage) ratio | 10.5770% | 2,678 |
| Tier 1 risk-based capital ratio | 14.5737% | 3,977 |
| Total risk-based capital ratio | 15.8564% | 3,915 |
| Memoranda: | ||
| Average total assets | $90,425,800 | 5,072 |
| Average earning assets | $80,353,400 | 5,114 |
| Average equity | $9,917,400 | 4,994 |
| Average total loans | $66,896,000 | 4,466 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2085% | 1,177 |
| Cost of funding earning assets | 0.8034% | 2,914 |
| Net interest margin | 4.4051% | 1,191 |
| Noninterest income to average assets | 0.9949% | 1,514 |
| Noninterest expense to average assets | 3.9767% | 964 |
| Loan and lease loss provision to assets | 0.3997% | 1,601 |
| Net operating income to assets | 0.4249% | 5,137 |
| Return on assets (ROA) | 0.4249% | 5,380 |
| Pretax return on assets | 0.5315% | 5,374 |
| Return on Equity (ROE) | 3.8725% | 5,342 |
| Retained earnings to average equity (ytd only) | 3.8725% | 4,164 |
| Net charge-offs to loans | -0.0160% | 6,452 |
| Credit loss provision to net charge-offs | -3,375.0000% | 6,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0256% | 1,933 |
| Assets per employee ($millions) | 2.7598% | 6,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9716% | 2,255 |
| Loan loss allowance to noncurrent loans | 24.6808% | 6,361 |
| Noncurrent assets plus other real estate owned to assets | 10.7319% | 204 |
| Noncurrent loans to loans | 7.9883% | 393 |
| Net loans and leases to total assets | 73.8652% | 1,262 |
| Net loans and leases to deposits | 84.3208% | 1,828 |
| Net loans and leases to core deposits | 93.8347% | 1,597 |
| Total domestic deposits to total assets | 87.6002% | 2,294 |
| Equity capital to assets | 11.0108% | 3,264 |
| Core capital (leverage) ratio | 10.6983% | 2,703 |
| Tier 1 risk-based capital ratio | 14.2071% | 4,380 |
| Total risk-based capital ratio | 15.4926% | 4,324 |
| Memoranda: | ||
| Average total assets | $90,055,750 | 5,140 |
| Average earning assets | $79,995,250 | 5,183 |
| Average equity | $9,881,500 | 5,052 |
| Average total loans | $66,576,250 | 4,523 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0646% | 1,615 |
| Cost of funding earning assets | 0.8441% | 2,844 |
| Net interest margin | 4.2205% | 1,695 |
| Noninterest income to average assets | 0.9608% | 1,576 |
| Noninterest expense to average assets | 3.8142% | 1,195 |
| Loan and lease loss provision to assets | 0.4013% | 1,636 |
| Net operating income to assets | 0.4146% | 5,164 |
| Return on assets (ROA) | 0.4146% | 5,392 |
| Pretax return on assets | 0.5016% | 5,432 |
| Return on Equity (ROE) | 3.7833% | 5,369 |
| Retained earnings to average equity (ytd only) | 3.7833% | 4,096 |
| Net charge-offs to loans | -0.0212% | 6,442 |
| Credit loss provision to net charge-offs | -2,571.4286% | 6,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8601% | 2,054 |
| Assets per employee ($millions) | 2.5420% | 6,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9042% | 2,548 |
| Loan loss allowance to noncurrent loans | 30.4684% | 6,133 |
| Noncurrent assets plus other real estate owned to assets | 9.7707% | 279 |
| Noncurrent loans to loans | 6.2496% | 690 |
| Net loans and leases to total assets | 73.0741% | 1,386 |
| Net loans and leases to deposits | 83.5623% | 1,909 |
| Net loans and leases to core deposits | 92.9024% | 1,692 |
| Total domestic deposits to total assets | 87.4486% | 2,500 |
| Equity capital to assets | 11.1588% | 2,942 |
| Core capital (leverage) ratio | 10.4972% | 2,800 |
| Tier 1 risk-based capital ratio | 14.1916% | 4,313 |
| Total risk-based capital ratio | 15.3898% | 4,317 |
| Memoranda: | ||
| Average total assets | $89,716,330 | 5,178 |
| Average earning assets | $79,847,670 | 5,209 |
| Average equity | $9,832,670 | 5,067 |
| Average total loans | $65,893,330 | 4,567 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7544% | 2,833 |
| Cost of funding earning assets | 0.8626% | 2,968 |
| Net interest margin | 3.8918% | 2,961 |
| Noninterest income to average assets | 0.9324% | 1,622 |
| Noninterest expense to average assets | 3.7563% | 1,287 |
| Loan and lease loss provision to assets | 0.3996% | 1,581 |
| Net operating income to assets | 0.2176% | 5,933 |
| Return on assets (ROA) | 0.2176% | 6,077 |
| Pretax return on assets | 0.2620% | 6,057 |
| Return on Equity (ROE) | 2.0031% | 6,075 |
| Retained earnings to average equity (ytd only) | 2.0031% | 5,265 |
| Net charge-offs to loans | 0.0122% | 4,535 |
| Credit loss provision to net charge-offs | 4,500.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 74.5000% | 451 |
| Efficiency ratio | 85.0251% | 1,579 |
| Assets per employee ($millions) | 2.5451% | 6,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7644% | 3,108 |
| Loan loss allowance to noncurrent loans | 28.1054% | 6,260 |
| Noncurrent assets plus other real estate owned to assets | 8.7497% | 412 |
| Noncurrent loans to loans | 6.2777% | 772 |
| Net loans and leases to total assets | 72.6933% | 1,276 |
| Net loans and leases to deposits | 82.9635% | 1,798 |
| Net loans and leases to core deposits | 92.1790% | 1,634 |
| Total domestic deposits to total assets | 87.6208% | 2,576 |
| Equity capital to assets | 11.0073% | 2,899 |
| Core capital (leverage) ratio | 10.4507% | 2,811 |
| Tier 1 risk-based capital ratio | 14.4021% | 4,178 |
| Total risk-based capital ratio | 15.6929% | 4,117 |
| Memoranda: | ||
| Average total assets | $90,089,500 | 5,203 |
| Average earning assets | $80,683,000 | 5,226 |
| Average equity | $9,785,000 | 5,093 |
| Average total loans | $65,702,000 | 4,598 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6582% | 853 |
| Cost of funding earning assets | 1.0847% | 2,772 |
| Net interest margin | 4.5735% | 974 |
| Noninterest income to average assets | 0.7937% | 2,098 |
| Noninterest expense to average assets | 3.6215% | 1,698 |
| Loan and lease loss provision to assets | 1.2905% | 637 |
| Net operating income to assets | 0.1322% | 5,783 |
| Return on assets (ROA) | 0.1294% | 5,923 |
| Pretax return on assets | -0.0152% | 6,147 |
| Return on Equity (ROE) | 1.2467% | 5,902 |
| Retained earnings to average equity (ytd only) | 1.2467% | 5,266 |
| Net charge-offs to loans | 1.4306% | 1,137 |
| Credit loss provision to net charge-offs | 124.8160% | 2,514 |
| Earnings coverage of net charge-offs (x) | 1.2376% | 4,849 |
| Efficiency ratio | 73.8909% | 3,254 |
| Assets per employee ($millions) | 2.6029% | 6,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6415% | 3,412 |
| Loan loss allowance to noncurrent loans | 61.6753% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 5.8616% | 852 |
| Noncurrent loans to loans | 2.6616% | 2,442 |
| Net loans and leases to total assets | 70.7043% | 1,883 |
| Net loans and leases to deposits | 80.3345% | 2,461 |
| Net loans and leases to core deposits | 88.9990% | 2,252 |
| Total domestic deposits to total assets | 88.0123% | 2,144 |
| Equity capital to assets | 10.7188% | 3,286 |
| Core capital (leverage) ratio | 10.2804% | 2,992 |
| Tier 1 risk-based capital ratio | 14.5536% | 3,932 |
| Total risk-based capital ratio | 15.8010% | 3,909 |
| Memoranda: | ||
| Average total assets | $91,978,000 | 5,133 |
| Average earning assets | $82,606,200 | 5,155 |
| Average equity | $9,545,400 | 5,138 |
| Average total loans | $66,477,000 | 4,612 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6530% | 925 |
| Cost of funding earning assets | 1.1280% | 2,777 |
| Net interest margin | 4.5250% | 1,091 |
| Noninterest income to average assets | 0.6999% | 2,609 |
| Noninterest expense to average assets | 3.7021% | 1,493 |
| Loan and lease loss provision to assets | 1.4635% | 476 |
| Net operating income to assets | -0.1258% | 6,307 |
| Return on assets (ROA) | -0.1258% | 6,392 |
| Pretax return on assets | -0.3934% | 6,563 |
| Return on Equity (ROE) | -1.2223% | 6,401 |
| Retained earnings to average equity (ytd only) | -1.2223% | 6,187 |
| Net charge-offs to loans | 1.4048% | 1,062 |
| Credit loss provision to net charge-offs | 143.9545% | 2,206 |
| Earnings coverage of net charge-offs (x) | 1.0526% | 4,843 |
| Efficiency ratio | 77.5758% | 2,598 |
| Assets per employee ($millions) | 2.7674% | 6,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7561% | 3,083 |
| Loan loss allowance to noncurrent loans | 44.5479% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 6.8645% | 730 |
| Noncurrent loans to loans | 3.9420% | 1,677 |
| Net loans and leases to total assets | 70.3258% | 2,013 |
| Net loans and leases to deposits | 79.6886% | 2,692 |
| Net loans and leases to core deposits | 88.5142% | 2,425 |
| Total domestic deposits to total assets | 88.2508% | 1,896 |
| Equity capital to assets | 10.4747% | 3,734 |
| Core capital (leverage) ratio | 10.0526% | 3,367 |
| Tier 1 risk-based capital ratio | 14.3545% | 4,087 |
| Total risk-based capital ratio | 15.6110% | 4,045 |
| Memoranda: | ||
| Average total assets | $92,197,000 | 5,163 |
| Average earning assets | $82,974,000 | 5,188 |
| Average equity | $9,490,500 | 5,179 |
| Average total loans | $66,724,250 | 4,642 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6587% | 948 |
| Cost of funding earning assets | 1.1653% | 2,804 |
| Net interest margin | 4.4934% | 1,147 |
| Noninterest income to average assets | 0.2898% | 5,560 |
| Noninterest expense to average assets | 3.4967% | 1,988 |
| Loan and lease loss provision to assets | 1.1569% | 689 |
| Net operating income to assets | -0.1406% | 6,406 |
| Return on assets (ROA) | -0.1406% | 6,447 |
| Pretax return on assets | -0.3114% | 6,538 |
| Return on Equity (ROE) | -1.3734% | 6,452 |
| Retained earnings to average equity (ytd only) | -1.3734% | 6,131 |
| Net charge-offs to loans | 0.1905% | 4,015 |
| Credit loss provision to net charge-offs | 835.9375% | 393 |
| Earnings coverage of net charge-offs (x) | 6.1094% | 2,467 |
| Efficiency ratio | 80.5279% | 2,309 |
| Assets per employee ($millions) | 2.4854% | 6,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9424% | 2,531 |
| Loan loss allowance to noncurrent loans | 38.8724% | 5,723 |
| Noncurrent assets plus other real estate owned to assets | 6.4061% | 840 |
| Noncurrent loans to loans | 4.9967% | 1,307 |
| Net loans and leases to total assets | 71.9168% | 1,802 |
| Net loans and leases to deposits | 82.4151% | 2,385 |
| Net loans and leases to core deposits | 92.5948% | 2,062 |
| Total domestic deposits to total assets | 87.2617% | 2,592 |
| Equity capital to assets | 10.4177% | 3,622 |
| Core capital (leverage) ratio | 9.8649% | 3,431 |
| Tier 1 risk-based capital ratio | 14.1676% | 4,045 |
| Total risk-based capital ratio | 15.4267% | 4,006 |
| Memoranda: | ||
| Average total assets | $92,487,670 | 5,191 |
| Average earning assets | $83,411,330 | 5,214 |
| Average equity | $9,465,330 | 5,195 |
| Average total loans | $67,174,670 | 4,672 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6255% | 1,013 |
| Cost of funding earning assets | 1.2261% | 2,650 |
| Net interest margin | 4.3994% | 1,278 |
| Noninterest income to average assets | 0.5779% | 3,318 |
| Noninterest expense to average assets | 3.7519% | 1,441 |
| Loan and lease loss provision to assets | 1.9191% | 290 |
| Net operating income to assets | -0.7676% | 6,944 |
| Return on assets (ROA) | -0.7676% | 6,951 |
| Pretax return on assets | -1.1471% | 7,042 |
| Return on Equity (ROE) | -7.5680% | 6,941 |
| Retained earnings to average equity (ytd only) | -7.5680% | 6,718 |
| Net charge-offs to loans | 0.0656% | 4,267 |
| Credit loss provision to net charge-offs | 4,045.4545% | 88 |
| Earnings coverage of net charge-offs (x) | 16.2727% | 1,275 |
| Efficiency ratio | 82.9361% | 2,096 |
| Assets per employee ($millions) | 2.5354% | 6,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8987% | 2,696 |
| Loan loss allowance to noncurrent loans | 46.7499% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 5.9447% | 981 |
| Noncurrent loans to loans | 4.0613% | 1,778 |
| Net loans and leases to total assets | 72.0614% | 1,712 |
| Net loans and leases to deposits | 82.6982% | 2,232 |
| Net loans and leases to core deposits | 91.9312% | 2,136 |
| Total domestic deposits to total assets | 87.1378% | 2,865 |
| Equity capital to assets | 10.2361% | 3,491 |
| Core capital (leverage) ratio | 9.7927% | 3,397 |
| Tier 1 risk-based capital ratio | 13.5919% | 4,363 |
| Total risk-based capital ratio | 14.9216% | 4,280 |
| Memoranda: | ||
| Average total assets | $92,752,000 | 5,212 |
| Average earning assets | $83,192,500 | 5,265 |
| Average equity | $9,408,000 | 5,202 |
| Average total loans | $67,040,000 | 4,727 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7843% | 1,317 |
| Cost of funding earning assets | 1.5645% | 2,278 |
| Net interest margin | 4.2198% | 2,102 |
| Noninterest income to average assets | 1.0899% | 1,262 |
| Noninterest expense to average assets | 3.3332% | 2,629 |
| Loan and lease loss provision to assets | 0.9026% | 1,812 |
| Net operating income to assets | 0.5386% | 3,932 |
| Return on assets (ROA) | 0.5386% | 4,082 |
| Pretax return on assets | 0.6899% | 4,010 |
| Return on Equity (ROE) | 5.3029% | 3,947 |
| Retained earnings to average equity (ytd only) | 0.8230% | 5,141 |
| Net charge-offs to loans | 2.0541% | 979 |
| Credit loss provision to net charge-offs | 60.3680% | 6,075 |
| Earnings coverage of net charge-offs (x) | 1.0651% | 5,046 |
| Efficiency ratio | 67.6692% | 4,632 |
| Assets per employee ($millions) | 3.0396% | 6,016 |
| Cash dividends to net income (ytd only)* | 84.4794% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 5,249 |
| Loan loss allowance to noncurrent loans | 40.4923% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 4.5156% | 1,482 |
| Noncurrent loans to loans | 3.0910% | 2,467 |
| Net loans and leases to total assets | 70.2480% | 2,482 |
| Net loans and leases to deposits | 81.3684% | 2,923 |
| Net loans and leases to core deposits | 89.7728% | 2,801 |
| Total domestic deposits to total assets | 86.3333% | 3,178 |
| Equity capital to assets | 10.0532% | 3,682 |
| Core capital (leverage) ratio | 9.6171% | 3,530 |
| Tier 1 risk-based capital ratio | 13.8653% | 3,954 |
| Total risk-based capital ratio | 15.1756% | 3,888 |
| Memoranda: | ||
| Average total assets | $94,502,400 | 5,141 |
| Average earning assets | $85,904,400 | 5,147 |
| Average equity | $9,598,600 | 5,237 |
| Average total loans | $68,787,800 | 4,728 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8577% | 1,236 |
| Cost of funding earning assets | 1.6138% | 2,314 |
| Net interest margin | 4.2439% | 2,056 |
| Noninterest income to average assets | 0.8699% | 1,912 |
| Noninterest expense to average assets | 3.3188% | 2,518 |
| Loan and lease loss provision to assets | 0.8360% | 1,816 |
| Net operating income to assets | 0.4094% | 4,713 |
| Return on assets (ROA) | 0.4074% | 4,893 |
| Pretax return on assets | 0.5865% | 4,645 |
| Return on Equity (ROE) | 4.0012% | 4,777 |
| Retained earnings to average equity (ytd only) | 4.0012% | 3,662 |
| Net charge-offs to loans | 2.4287% | 708 |
| Credit loss provision to net charge-offs | 47.0262% | 5,924 |
| Earnings coverage of net charge-offs (x) | 0.8017% | 5,249 |
| Efficiency ratio | 69.9554% | 4,075 |
| Assets per employee ($millions) | 3.0434% | 6,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 6,031 |
| Loan loss allowance to noncurrent loans | 33.6251% | 6,088 |
| Noncurrent assets plus other real estate owned to assets | 4.9043% | 1,326 |
| Noncurrent loans to loans | 3.2029% | 2,484 |
| Net loans and leases to total assets | 71.0703% | 2,471 |
| Net loans and leases to deposits | 81.5073% | 3,187 |
| Net loans and leases to core deposits | 91.5348% | 2,868 |
| Total domestic deposits to total assets | 87.1950% | 2,424 |
| Equity capital to assets | 10.4679% | 3,551 |
| Core capital (leverage) ratio | 9.8721% | 3,399 |
| Tier 1 risk-based capital ratio | 14.3085% | 3,625 |
| Total risk-based capital ratio | 15.4164% | 3,681 |
| Memoranda: | ||
| Average total assets | $94,570,750 | 5,205 |
| Average earning assets | $86,334,500 | 5,195 |
| Average equity | $9,630,000 | 5,312 |
| Average total loans | $69,226,500 | 4,788 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7389% | 1,603 |
| Cost of funding earning assets | 1.6361% | 2,449 |
| Net interest margin | 4.1028% | 2,542 |
| Noninterest income to average assets | 0.6678% | 2,910 |
| Noninterest expense to average assets | 3.2733% | 2,651 |
| Loan and lease loss provision to assets | 0.4860% | 2,865 |
| Net operating income to assets | 0.4522% | 4,545 |
| Return on assets (ROA) | 0.4522% | 4,702 |
| Pretax return on assets | 0.6762% | 4,324 |
| Return on Equity (ROE) | 4.4826% | 4,552 |
| Retained earnings to average equity (ytd only) | 4.4826% | 3,212 |
| Net charge-offs to loans | 1.2136% | 1,573 |
| Credit loss provision to net charge-offs | 54.3735% | 5,331 |
| Earnings coverage of net charge-offs (x) | 1.3002% | 4,531 |
| Efficiency ratio | 73.7970% | 3,509 |
| Assets per employee ($millions) | 2.9158% | 6,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6816% | 3,147 |
| Loan loss allowance to noncurrent loans | 25.1617% | 6,665 |
| Noncurrent assets plus other real estate owned to assets | 5.6505% | 1,076 |
| Noncurrent loans to loans | 6.6832% | 880 |
| Net loans and leases to total assets | 73.2795% | 2,088 |
| Net loans and leases to deposits | 85.0227% | 2,699 |
| Net loans and leases to core deposits | 95.8668% | 2,455 |
| Total domestic deposits to total assets | 86.1882% | 2,987 |
| Equity capital to assets | 10.0985% | 3,891 |
| Core capital (leverage) ratio | 9.9235% | 3,255 |
| Tier 1 risk-based capital ratio | 12.2742% | 5,057 |
| Total risk-based capital ratio | 13.5275% | 5,027 |
| Memoranda: | ||
| Average total assets | $94,645,670 | 5,231 |
| Average earning assets | $86,915,330 | 5,211 |
| Average equity | $9,548,000 | 5,330 |
| Average total loans | $69,708,000 | 4,801 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7713% | 1,553 |
| Cost of funding earning assets | 1.6708% | 2,534 |
| Net interest margin | 4.1005% | 2,440 |
| Noninterest income to average assets | 0.5540% | 3,622 |
| Noninterest expense to average assets | 3.3540% | 2,365 |
| Loan and lease loss provision to assets | 0.2557% | 3,996 |
| Net operating income to assets | 0.5455% | 4,155 |
| Return on assets (ROA) | 0.5455% | 4,290 |
| Pretax return on assets | 0.7202% | 4,164 |
| Return on Equity (ROE) | 5.4103% | 4,153 |
| Retained earnings to average equity (ytd only) | 5.4103% | 2,928 |
| Net charge-offs to loans | 0.5880% | 2,336 |
| Credit loss provision to net charge-offs | 59.4059% | 4,314 |
| Earnings coverage of net charge-offs (x) | 2.2673% | 3,405 |
| Efficiency ratio | 77.4606% | 2,982 |
| Assets per employee ($millions) | 3.0457% | 6,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9448% | 2,329 |
| Loan loss allowance to noncurrent loans | 29.4513% | 6,435 |
| Noncurrent assets plus other real estate owned to assets | 5.5933% | 1,098 |
| Noncurrent loans to loans | 6.6033% | 940 |
| Net loans and leases to total assets | 72.5198% | 2,325 |
| Net loans and leases to deposits | 85.4606% | 2,690 |
| Net loans and leases to core deposits | 97.1923% | 2,432 |
| Total domestic deposits to total assets | 84.8576% | 3,744 |
| Equity capital to assets | 10.1158% | 3,727 |
| Core capital (leverage) ratio | 10.0483% | 3,103 |
| Tier 1 risk-based capital ratio | 12.3001% | 4,906 |
| Total risk-based capital ratio | 13.4479% | 4,971 |
| Memoranda: | ||
| Average total assets | $93,857,500 | 5,322 |
| Average earning assets | $86,427,500 | 5,293 |
| Average equity | $9,463,500 | 5,401 |
| Average total loans | $68,703,500 | 4,905 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3567% | 918 |
| Cost of funding earning assets | 1.8863% | 3,533 |
| Net interest margin | 4.4704% | 1,238 |
| Noninterest income to average assets | 0.7604% | 2,615 |
| Noninterest expense to average assets | 3.3603% | 2,803 |
| Loan and lease loss provision to assets | 1.8350% | 1,228 |
| Net operating income to assets | 0.0679% | 5,298 |
| Return on assets (ROA) | 0.0157% | 5,488 |
| Pretax return on assets | -0.3187% | 5,850 |
| Return on Equity (ROE) | 0.1514% | 5,492 |
| Retained earnings to average equity (ytd only) | 0.1514% | 4,818 |
| Net charge-offs to loans | 1.5402% | 1,629 |
| Credit loss provision to net charge-offs | 159.9415% | 2,797 |
| Earnings coverage of net charge-offs (x) | 1.3928% | 4,742 |
| Efficiency ratio | 67.7718% | 5,048 |
| Assets per employee ($millions) | 3.0096% | 6,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0702% | 1,871 |
| Loan loss allowance to noncurrent loans | 37.5168% | 5,929 |
| Noncurrent assets plus other real estate owned to assets | 4.8415% | 1,291 |
| Noncurrent loans to loans | 5.5181% | 1,166 |
| Net loans and leases to total assets | 70.9329% | 3,026 |
| Net loans and leases to deposits | 81.7206% | 3,662 |
| Net loans and leases to core deposits | 113.2756% | 2,568 |
| Total domestic deposits to total assets | 86.7993% | 2,608 |
| Equity capital to assets | 10.0495% | 3,692 |
| Core capital (leverage) ratio | 9.8935% | 3,209 |
| Tier 1 risk-based capital ratio | 13.9154% | 3,557 |
| Total risk-based capital ratio | 15.1761% | 3,501 |
| Memoranda: | ||
| Average total assets | $89,427,600 | 5,408 |
| Average earning assets | $83,974,200 | 5,330 |
| Average equity | $9,248,200 | 5,531 |
| Average total loans | $66,613,400 | 4,997 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8735% | 2,566 |
| Cost of funding earning assets | 1.9461% | 3,633 |
| Net interest margin | 3.9274% | 3,134 |
| Noninterest income to average assets | 1.1967% | 1,080 |
| Noninterest expense to average assets | 3.4938% | 2,301 |
| Loan and lease loss provision to assets | 1.8132% | 1,028 |
| Net operating income to assets | -0.2155% | 6,092 |
| Return on assets (ROA) | -0.4567% | 6,387 |
| Pretax return on assets | -0.7913% | 6,538 |
| Return on Equity (ROE) | -4.3835% | 6,386 |
| Retained earnings to average equity (ytd only) | -4.3835% | 6,169 |
| Net charge-offs to loans | 1.8240% | 1,105 |
| Credit loss provision to net charge-offs | 132.4890% | 3,777 |
| Earnings coverage of net charge-offs (x) | 1.0220% | 5,029 |
| Efficiency ratio | 71.4110% | 4,344 |
| Assets per employee ($millions) | 2.6111% | 7,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6175% | 2,929 |
| Loan loss allowance to noncurrent loans | 24.7194% | 6,796 |
| Noncurrent assets plus other real estate owned to assets | 5.9295% | 918 |
| Noncurrent loans to loans | 6.5434% | 878 |
| Net loans and leases to total assets | 73.9257% | 2,546 |
| Net loans and leases to deposits | 85.4823% | 3,418 |
| Net loans and leases to core deposits | 118.2505% | 2,392 |
| Total domestic deposits to total assets | 86.4807% | 2,435 |
| Equity capital to assets | 10.3090% | 3,721 |
| Core capital (leverage) ratio | 10.2952% | 2,981 |
| Tier 1 risk-based capital ratio | 14.2184% | 3,427 |
| Total risk-based capital ratio | 15.4742% | 3,374 |
| Memoranda: | ||
| Average total assets | $88,460,000 | 5,469 |
| Average earning assets | $83,242,500 | 5,392 |
| Average equity | $9,216,250 | 5,583 |
| Average total loans | $66,372,250 | 5,048 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9306% | 2,456 |
| Cost of funding earning assets | 2.0305% | 3,622 |
| Net interest margin | 3.9001% | 3,114 |
| Noninterest income to average assets | 1.3401% | 852 |
| Noninterest expense to average assets | 3.4158% | 2,576 |
| Loan and lease loss provision to assets | 0.7244% | 2,262 |
| Net operating income to assets | 0.6519% | 3,460 |
| Return on assets (ROA) | 0.6519% | 3,567 |
| Pretax return on assets | 0.8738% | 3,428 |
| Return on Equity (ROE) | 6.2353% | 3,542 |
| Retained earnings to average equity (ytd only) | 6.2353% | 1,914 |
| Net charge-offs to loans | 0.7667% | 2,143 |
| Credit loss provision to net charge-offs | 125.9843% | 3,688 |
| Earnings coverage of net charge-offs (x) | 2.7795% | 3,695 |
| Efficiency ratio | 68.1264% | 5,135 |
| Assets per employee ($millions) | 2.4988% | 7,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3037% | 4,249 |
| Loan loss allowance to noncurrent loans | 16.2317% | 7,323 |
| Noncurrent assets plus other real estate owned to assets | 6.9245% | 620 |
| Noncurrent loans to loans | 8.0319% | 555 |
| Net loans and leases to total assets | 75.9190% | 2,200 |
| Net loans and leases to deposits | 89.6792% | 2,878 |
| Net loans and leases to core deposits | 117.8965% | 2,550 |
| Total domestic deposits to total assets | 84.6561% | 3,418 |
| Equity capital to assets | 11.0818% | 2,846 |
| Core capital (leverage) ratio | 10.8797% | 2,506 |
| Tier 1 risk-based capital ratio | 15.2215% | 2,925 |
| Total risk-based capital ratio | 16.4886% | 2,848 |
| Memoranda: | ||
| Average total assets | $88,354,330 | 5,520 |
| Average earning assets | $83,229,000 | 5,436 |
| Average equity | $9,237,670 | 5,601 |
| Average total loans | $66,260,330 | 5,097 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0792% | 2,026 |
| Cost of funding earning assets | 2.1213% | 3,552 |
| Net interest margin | 3.9579% | 2,821 |
| Noninterest income to average assets | 1.4081% | 707 |
| Noninterest expense to average assets | 3.2959% | 2,666 |
| Loan and lease loss provision to assets | 0.4442% | 2,699 |
| Net operating income to assets | 0.9861% | 2,377 |
| Return on assets (ROA) | 0.9861% | 2,509 |
| Pretax return on assets | 1.3725% | 2,050 |
| Return on Equity (ROE) | 9.7060% | 2,439 |
| Retained earnings to average equity (ytd only) | 9.7060% | 1,274 |
| Net charge-offs to loans | 0.0240% | 5,214 |
| Credit loss provision to net charge-offs | 2,500.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 102.2500% | 427 |
| Efficiency ratio | 64.4657% | 5,600 |
| Assets per employee ($millions) | 2.6014% | 7,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3451% | 3,824 |
| Loan loss allowance to noncurrent loans | 21.1525% | 7,105 |
| Noncurrent assets plus other real estate owned to assets | 5.4664% | 787 |
| Noncurrent loans to loans | 6.3590% | 718 |
| Net loans and leases to total assets | 73.0557% | 2,995 |
| Net loans and leases to deposits | 84.9665% | 3,830 |
| Net loans and leases to core deposits | 113.0004% | 3,104 |
| Total domestic deposits to total assets | 85.9818% | 2,737 |
| Equity capital to assets | 10.4648% | 3,494 |
| Core capital (leverage) ratio | 10.6103% | 2,821 |
| Tier 1 risk-based capital ratio | 14.7430% | 3,186 |
| Total risk-based capital ratio | 16.0023% | 3,115 |
| Memoranda: | ||
| Average total assets | $90,052,000 | 5,484 |
| Average earning assets | $84,287,500 | 5,420 |
| Average equity | $9,149,000 | 5,638 |
| Average total loans | $66,714,500 | 5,106 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5734% | 2,608 |
| Cost of funding earning assets | 2.6207% | 3,577 |
| Net interest margin | 3.9526% | 3,348 |
| Noninterest income to average assets | 0.3384% | 6,032 |
| Noninterest expense to average assets | 3.2642% | 3,094 |
| Loan and lease loss provision to assets | 0.2041% | 4,847 |
| Net operating income to assets | 0.5011% | 4,730 |
| Return on assets (ROA) | 0.5011% | 4,575 |
| Pretax return on assets | 0.5797% | 4,759 |
| Return on Equity (ROE) | 5.2028% | 4,284 |
| Retained earnings to average equity (ytd only) | 4.1826% | 2,520 |
| Net charge-offs to loans | 0.2922% | 3,445 |
| Credit loss provision to net charge-offs | 96.8912% | 5,485 |
| Earnings coverage of net charge-offs (x) | 3.7202% | 4,244 |
| Efficiency ratio | 80.6365% | 2,510 |
| Assets per employee ($millions) | 2.6957% | 6,797 |
| Cash dividends to net income (ytd only)* | 19.6078% | 4,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 4,877 |
| Loan loss allowance to noncurrent loans | 20.6579% | 7,203 |
| Noncurrent assets plus other real estate owned to assets | 4.8770% | 724 |
| Noncurrent loans to loans | 5.5939% | 712 |
| Net loans and leases to total assets | 73.2595% | 3,293 |
| Net loans and leases to deposits | 86.4827% | 4,042 |
| Net loans and leases to core deposits | 111.3052% | 3,635 |
| Total domestic deposits to total assets | 84.7101% | 2,973 |
| Equity capital to assets | 9.8653% | 4,201 |
| Core capital (leverage) ratio | 10.0232% | 3,422 |
| Tier 1 risk-based capital ratio | 14.2353% | 3,426 |
| Total risk-based capital ratio | 15.4497% | 3,370 |
| Memoranda: | ||
| Average total assets | $91,599,400 | 5,302 |
| Average earning assets | $85,968,000 | 5,233 |
| Average equity | $8,822,200 | 5,797 |
| Average total loans | $66,049,600 | 5,017 |