Home > First Advantage Bank > Performance and Condition Ratios
First Advantage Bank, Performance and Condition Ratios
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3526% | 5,117 |
| Cost of funding earning assets | 0.6174% | 1,226 |
| Net interest margin | 2.7351% | 5,450 |
| Noninterest income to average assets | -0.5855% | 5,976 |
| Noninterest expense to average assets | 1.9775% | 5,250 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.1574% | 5,782 |
| Return on assets (ROA) | -0.1574% | 5,797 |
| Pretax return on assets | -0.1574% | 5,786 |
| Return on Equity (ROE) | -1.3473% | 5,795 |
| Retained earnings to average equity (ytd only) | -1.3473% | 5,534 |
| Net charge-offs to loans | -0.0552% | 5,397 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9718% | 212 |
| Assets per employee ($millions) | 8.2727% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5497% | 5,667 |
| Loan loss allowance to noncurrent loans | 98.9529% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 1.7058% | 997 |
| Noncurrent loans to loans | 0.5555% | 3,331 |
| Net loans and leases to total assets | 45.9250% | 5,100 |
| Net loans and leases to deposits | 55.6418% | 5,018 |
| Net loans and leases to core deposits | 59.0471% | 4,994 |
| Total domestic deposits to total assets | 82.5369% | 3,764 |
| Equity capital to assets | 12.0329% | 2,096 |
| Core capital (leverage) ratio | 10.4122% | 3,098 |
| Tier 1 risk-based capital ratio | 18.6074% | 1,762 |
| Total risk-based capital ratio | 19.0576% | 1,935 |
| Memoranda: | ||
| Average total assets | $75,380,500 | 4,863 |
| Average earning assets | $66,296,000 | 4,925 |
| Average equity | $8,807,500 | 4,837 |
| Average total loans | $36,241,500 | 5,056 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4107% | 5,056 |
| Cost of funding earning assets | 0.6196% | 1,198 |
| Net interest margin | 2.7911% | 5,435 |
| Noninterest income to average assets | 0.1242% | 5,690 |
| Noninterest expense to average assets | 1.9712% | 5,333 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6051% | 4,243 |
| Return on assets (ROA) | 0.6051% | 4,373 |
| Pretax return on assets | 0.6051% | 4,871 |
| Return on Equity (ROE) | 5.2301% | 4,417 |
| Retained earnings to average equity (ytd only) | 5.2301% | 2,590 |
| Net charge-offs to loans | -0.0543% | 5,403 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0769% | 2,802 |
| Assets per employee ($millions) | 9.1828% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5018% | 5,798 |
| Loan loss allowance to noncurrent loans | 40.8482% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 2.5156% | 547 |
| Noncurrent loans to loans | 1.2285% | 1,870 |
| Net loans and leases to total assets | 49.3902% | 4,883 |
| Net loans and leases to deposits | 60.8980% | 4,739 |
| Net loans and leases to core deposits | 64.1700% | 4,737 |
| Total domestic deposits to total assets | 81.1032% | 4,244 |
| Equity capital to assets | 12.4718% | 1,790 |
| Core capital (leverage) ratio | 10.7922% | 2,662 |
| Tier 1 risk-based capital ratio | 18.5529% | 1,787 |
| Total risk-based capital ratio | 18.9714% | 1,966 |
| Memoranda: | ||
| Average total assets | $75,689,330 | 4,895 |
| Average earning assets | $66,497,000 | 4,966 |
| Average equity | $8,757,000 | 4,881 |
| Average total loans | $36,861,330 | 5,080 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3967% | 5,137 |
| Cost of funding earning assets | 0.6317% | 1,142 |
| Net interest margin | 2.7651% | 5,525 |
| Noninterest income to average assets | 0.1458% | 5,612 |
| Noninterest expense to average assets | 2.0051% | 5,321 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5573% | 4,384 |
| Return on assets (ROA) | 0.5573% | 4,486 |
| Pretax return on assets | 0.5573% | 4,937 |
| Return on Equity (ROE) | 5.0032% | 4,483 |
| Retained earnings to average equity (ytd only) | 5.0032% | 2,942 |
| Net charge-offs to loans | -0.0432% | 5,260 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9675% | 2,646 |
| Assets per employee ($millions) | 11.1236% | 193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4793% | 5,879 |
| Loan loss allowance to noncurrent loans | 65.3137% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 2.1268% | 792 |
| Noncurrent loans to loans | 0.7339% | 2,998 |
| Net loans and leases to total assets | 47.1984% | 5,030 |
| Net loans and leases to deposits | 58.4797% | 4,822 |
| Net loans and leases to core deposits | 62.2455% | 4,805 |
| Total domestic deposits to total assets | 80.7089% | 4,578 |
| Equity capital to assets | 11.2888% | 2,640 |
| Core capital (leverage) ratio | 10.4084% | 3,061 |
| Tier 1 risk-based capital ratio | 17.7141% | 2,065 |
| Total risk-based capital ratio | 18.1073% | 2,286 |
| Memoranda: | ||
| Average total assets | $76,803,000 | 4,922 |
| Average earning assets | $67,123,000 | 4,997 |
| Average equity | $8,554,500 | 4,944 |
| Average total loans | $37,059,000 | 5,110 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6967% | 5,937 |
| Cost of funding earning assets | 0.5256% | 1,954 |
| Net interest margin | 2.1710% | 5,995 |
| Noninterest income to average assets | 0.1528% | 5,653 |
| Noninterest expense to average assets | 1.7824% | 5,758 |
| Loan and lease loss provision to assets | 0.1998% | 1,075 |
| Net operating income to assets | 0.1175% | 5,731 |
| Return on assets (ROA) | 0.1606% | 5,708 |
| Pretax return on assets | 0.1606% | 5,742 |
| Return on Equity (ROE) | 1.5327% | 5,679 |
| Retained earnings to average equity (ytd only) | 1.5327% | 4,849 |
| Net charge-offs to loans | 0.0032% | 4,350 |
| Credit loss provision to net charge-offs | 15,300.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 243.0000% | 289 |
| Efficiency ratio | 79.4776% | 1,750 |
| Assets per employee ($millions) | 9.4676% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4652% | 5,944 |
| Loan loss allowance to noncurrent loans | 56.7213% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 2.2339% | 751 |
| Noncurrent loans to loans | 0.8201% | 2,733 |
| Net loans and leases to total assets | 48.8731% | 4,949 |
| Net loans and leases to deposits | 60.3060% | 4,753 |
| Net loans and leases to core deposits | 64.2857% | 4,723 |
| Total domestic deposits to total assets | 81.0420% | 4,468 |
| Equity capital to assets | 10.9835% | 2,840 |
| Core capital (leverage) ratio | 10.4346% | 3,011 |
| Tier 1 risk-based capital ratio | 17.8601% | 2,008 |
| Total risk-based capital ratio | 18.2447% | 2,234 |
| Memoranda: | ||
| Average total assets | $76,582,000 | 4,936 |
| Average earning assets | $68,677,400 | 4,964 |
| Average equity | $8,025,200 | 5,059 |
| Average total loans | $31,141,600 | 5,320 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4545% | 6,103 |
| Cost of funding earning assets | 0.4917% | 2,299 |
| Net interest margin | 1.9629% | 6,143 |
| Noninterest income to average assets | 0.1389% | 5,791 |
| Noninterest expense to average assets | 1.6894% | 5,910 |
| Loan and lease loss provision to assets | 0.0712% | 2,756 |
| Net operating income to assets | 0.1389% | 5,793 |
| Return on assets (ROA) | 0.1545% | 5,816 |
| Pretax return on assets | 0.1545% | 5,840 |
| Return on Equity (ROE) | 1.4923% | 5,780 |
| Retained earnings to average equity (ytd only) | 1.4923% | 5,120 |
| Net charge-offs to loans | 0.0315% | 3,294 |
| Credit loss provision to net charge-offs | 585.7143% | 581 |
| Earnings coverage of net charge-offs (x) | 17.2915% | 2,064 |
| Efficiency ratio | 83.6380% | 1,209 |
| Assets per employee ($millions) | 9.7048% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1760% | 6,182 |
| Loan loss allowance to noncurrent loans | 17.7049% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 2.1806% | 880 |
| Noncurrent loans to loans | 0.9940% | 2,502 |
| Net loans and leases to total assets | 39.4523% | 5,625 |
| Net loans and leases to deposits | 49.4263% | 5,495 |
| Net loans and leases to core deposits | 53.3354% | 5,441 |
| Total domestic deposits to total assets | 79.8204% | 4,787 |
| Equity capital to assets | 10.9508% | 3,079 |
| Core capital (leverage) ratio | 10.3539% | 3,193 |
| Tier 1 risk-based capital ratio | 21.2513% | 1,300 |
| Total risk-based capital ratio | 21.3949% | 1,481 |
| Memoranda: | ||
| Average total assets | $76,792,250 | 4,989 |
| Average earning assets | $68,877,250 | 5,018 |
| Average equity | $7,951,750 | 5,138 |
| Average total loans | $29,629,500 | 5,436 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1559% | 6,247 |
| Cost of funding earning assets | 0.4174% | 3,064 |
| Net interest margin | 1.7385% | 6,252 |
| Noninterest income to average assets | 0.1359% | 5,880 |
| Noninterest expense to average assets | 1.4874% | 6,121 |
| Loan and lease loss provision to assets | 0.0549% | 3,013 |
| Net operating income to assets | 0.1725% | 5,756 |
| Return on assets (ROA) | 0.1961% | 5,766 |
| Pretax return on assets | 0.1961% | 5,821 |
| Return on Equity (ROE) | 1.9309% | 5,696 |
| Retained earnings to average equity (ytd only) | 1.9309% | 4,734 |
| Net charge-offs to loans | 0.0888% | 2,148 |
| Credit loss provision to net charge-offs | 161.5385% | 1,461 |
| Earnings coverage of net charge-offs (x) | 6.6923% | 2,751 |
| Efficiency ratio | 81.7073% | 1,531 |
| Assets per employee ($millions) | 7.8348% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0889% | 6,273 |
| Loan loss allowance to noncurrent loans | 8.7227% | 5,754 |
| Noncurrent assets plus other real estate owned to assets | 2.1813% | 968 |
| Noncurrent loans to loans | 1.0194% | 2,607 |
| Net loans and leases to total assets | 40.1542% | 5,620 |
| Net loans and leases to deposits | 49.3800% | 5,539 |
| Net loans and leases to core deposits | 53.1688% | 5,475 |
| Total domestic deposits to total assets | 81.3167% | 4,512 |
| Equity capital to assets | 10.1560% | 3,857 |
| Core capital (leverage) ratio | 10.1613% | 3,386 |
| Tier 1 risk-based capital ratio | 20.1707% | 1,511 |
| Total risk-based capital ratio | 20.2417% | 1,763 |
| Memoranda: | ||
| Average total assets | $76,510,330 | 5,046 |
| Average earning assets | $69,483,330 | 5,052 |
| Average equity | $7,768,330 | 5,206 |
| Average total loans | $29,278,000 | 5,504 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2389% | 6,382 |
| Cost of funding earning assets | 0.2172% | 5,343 |
| Net interest margin | 1.0217% | 6,384 |
| Noninterest income to average assets | 0.0741% | 6,166 |
| Noninterest expense to average assets | 0.6244% | 6,395 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3704% | 5,186 |
| Return on assets (ROA) | 0.3704% | 5,305 |
| Pretax return on assets | 0.3704% | 5,496 |
| Return on Equity (ROE) | 3.6487% | 5,126 |
| Retained earnings to average equity (ytd only) | 3.6487% | 3,817 |
| Net charge-offs to loans | 0.2698% | 885 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.6842% | 2,579 |
| Efficiency ratio | 62.7660% | 4,658 |
| Assets per employee ($millions) | 8.8023% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0074% | 6,362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7521% | 1,410 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 34.0869% | 5,924 |
| Net loans and leases to deposits | 41.9304% | 5,837 |
| Net loans and leases to core deposits | 45.7183% | 5,767 |
| Total domestic deposits to total assets | 81.2941% | 4,739 |
| Equity capital to assets | 10.7901% | 3,206 |
| Core capital (leverage) ratio | 9.3041% | 4,565 |
| Tier 1 risk-based capital ratio | 20.3405% | 1,552 |
| Total risk-based capital ratio | 20.3463% | 1,802 |
| Memoranda: | ||
| Average total assets | $75,591,500 | 5,118 |
| Average earning assets | $68,125,000 | 5,139 |
| Average equity | $7,674,000 | 5,263 |
| Average total loans | $28,173,000 | 5,588 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6884% | 4,819 |
| Cost of funding earning assets | 0.6415% | 1,460 |
| Net interest margin | 3.0470% | 5,325 |
| Noninterest income to average assets | 0.1348% | 6,016 |
| Noninterest expense to average assets | 2.3203% | 5,058 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3383% | 5,411 |
| Return on assets (ROA) | 0.3619% | 5,423 |
| Pretax return on assets | 0.6017% | 4,933 |
| Return on Equity (ROE) | 3.9648% | 5,133 |
| Retained earnings to average equity (ytd only) | 2.7209% | 4,307 |
| Net charge-offs to loans | -0.0381% | 5,848 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4230% | 1,865 |
| Assets per employee ($millions) | 7.9958% | 537 |
| Cash dividends to net income (ytd only)* | 31.3725% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4847% | 558 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9788% | 1,293 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 39.7585% | 5,758 |
| Net loans and leases to deposits | 49.0065% | 5,631 |
| Net loans and leases to core deposits | 53.9342% | 5,504 |
| Total domestic deposits to total assets | 81.1289% | 4,704 |
| Equity capital to assets | 9.4494% | 4,779 |
| Core capital (leverage) ratio | 9.0995% | 4,827 |
| Tier 1 risk-based capital ratio | 18.6372% | 1,948 |
| Total risk-based capital ratio | 19.8953% | 1,913 |
| Memoranda: | ||
| Average total assets | $70,464,200 | 5,269 |
| Average earning assets | $63,604,200 | 5,293 |
| Average equity | $6,431,600 | 5,545 |
| Average total loans | $31,536,000 | 5,504 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7000% | 4,860 |
| Cost of funding earning assets | 0.6449% | 1,490 |
| Net interest margin | 3.0551% | 5,373 |
| Noninterest income to average assets | 0.0780% | 6,309 |
| Noninterest expense to average assets | 2.3341% | 5,013 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2955% | 5,598 |
| Return on assets (ROA) | 0.3272% | 5,571 |
| Pretax return on assets | 0.5421% | 5,202 |
| Return on Equity (ROE) | 3.6175% | 5,326 |
| Retained earnings to average equity (ytd only) | 1.9349% | 5,087 |
| Net charge-offs to loans | 0.0873% | 2,960 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 12.3329% | 2,330 |
| Efficiency ratio | 82.5707% | 1,541 |
| Assets per employee ($millions) | 7.7983% | 561 |
| Cash dividends to net income (ytd only)* | 46.5094% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2461% | 882 |
| Loan loss allowance to noncurrent loans | 1,697.5610% | 356 |
| Noncurrent assets plus other real estate owned to assets | 2.0873% | 1,347 |
| Noncurrent loans to loans | 0.1323% | 5,525 |
| Net loans and leases to total assets | 43.1588% | 5,586 |
| Net loans and leases to deposits | 53.0611% | 5,457 |
| Net loans and leases to core deposits | 58.5265% | 5,299 |
| Total domestic deposits to total assets | 81.3379% | 4,719 |
| Equity capital to assets | 9.3211% | 5,016 |
| Core capital (leverage) ratio | 8.6392% | 5,511 |
| Tier 1 risk-based capital ratio | 17.6476% | 2,337 |
| Total risk-based capital ratio | 18.9053% | 2,294 |
| Memoranda: | ||
| Average total assets | $70,089,750 | 5,341 |
| Average earning assets | $63,061,500 | 5,366 |
| Average equity | $6,339,500 | 5,615 |
| Average total loans | $32,085,000 | 5,537 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6858% | 4,906 |
| Cost of funding earning assets | 0.6318% | 1,636 |
| Net interest margin | 3.0540% | 5,387 |
| Noninterest income to average assets | 0.0171% | 6,515 |
| Noninterest expense to average assets | 2.4922% | 4,599 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1609% | 5,928 |
| Return on assets (ROA) | 0.2084% | 5,867 |
| Pretax return on assets | 0.3454% | 5,685 |
| Return on Equity (ROE) | 2.3278% | 5,755 |
| Retained earnings to average equity (ytd only) | -0.2232% | 5,721 |
| Net charge-offs to loans | 0.2219% | 1,706 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.6389% | 3,507 |
| Efficiency ratio | 90.1860% | 903 |
| Assets per employee ($millions) | 7.9331% | 512 |
| Cash dividends to net income (ytd only)* | 109.5890% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1639% | 1,072 |
| Loan loss allowance to noncurrent loans | 486.4286% | 954 |
| Noncurrent assets plus other real estate owned to assets | 2.1905% | 1,392 |
| Noncurrent loans to loans | 0.4449% | 4,646 |
| Net loans and leases to total assets | 43.1245% | 5,592 |
| Net loans and leases to deposits | 55.0028% | 5,282 |
| Net loans and leases to core deposits | 60.4116% | 5,110 |
| Total domestic deposits to total assets | 78.4042% | 5,567 |
| Equity capital to assets | 9.0171% | 5,280 |
| Core capital (leverage) ratio | 8.1618% | 5,969 |
| Tier 1 risk-based capital ratio | 16.9122% | 2,660 |
| Total risk-based capital ratio | 18.1704% | 2,617 |
| Memoranda: | ||
| Average total assets | $70,058,000 | 5,387 |
| Average earning assets | $62,999,330 | 5,424 |
| Average equity | $6,272,000 | 5,663 |
| Average total loans | $32,451,000 | 5,555 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6819% | 4,908 |
| Cost of funding earning assets | 0.6104% | 1,894 |
| Net interest margin | 3.0715% | 5,333 |
| Noninterest income to average assets | 0.2364% | 5,471 |
| Noninterest expense to average assets | 2.7267% | 3,843 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1603% | 5,908 |
| Return on assets (ROA) | 0.1787% | 5,899 |
| Pretax return on assets | 0.2940% | 5,734 |
| Return on Equity (ROE) | 2.0036% | 5,785 |
| Retained earnings to average equity (ytd only) | -3.1669% | 5,978 |
| Net charge-offs to loans | -0.1457% | 6,274 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1368% | 940 |
| Assets per employee ($millions) | 7.2167% | 714 |
| Cash dividends to net income (ytd only)* | 258.0645% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2245% | 1,124 |
| Loan loss allowance to noncurrent loans | 509.7902% | 932 |
| Noncurrent assets plus other real estate owned to assets | 2.2808% | 1,439 |
| Noncurrent loans to loans | 0.4364% | 4,838 |
| Net loans and leases to total assets | 44.3998% | 5,472 |
| Net loans and leases to deposits | 57.4724% | 4,990 |
| Net loans and leases to core deposits | 63.1469% | 4,775 |
| Total domestic deposits to total assets | 77.2541% | 5,935 |
| Equity capital to assets | 8.6175% | 5,532 |
| Core capital (leverage) ratio | 8.3746% | 5,777 |
| Tier 1 risk-based capital ratio | 15.5504% | 3,411 |
| Total risk-based capital ratio | 16.8075% | 3,371 |
| Memoranda: | ||
| Average total assets | $69,388,000 | 5,460 |
| Average earning assets | $62,250,500 | 5,493 |
| Average equity | $6,189,000 | 5,709 |
| Average total loans | $32,941,000 | 5,587 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5462% | 5,543 |
| Cost of funding earning assets | 0.6472% | 2,224 |
| Net interest margin | 2.8991% | 5,787 |
| Noninterest income to average assets | 0.2311% | 5,694 |
| Noninterest expense to average assets | 2.4030% | 5,063 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2404% | 5,716 |
| Return on assets (ROA) | 0.2514% | 5,759 |
| Pretax return on assets | 0.4122% | 5,470 |
| Return on Equity (ROE) | 2.5692% | 5,658 |
| Retained earnings to average equity (ytd only) | 2.5692% | 4,423 |
| Net charge-offs to loans | -0.2309% | 6,637 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8817% | 1,423 |
| Assets per employee ($millions) | 6.6609% | 916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1654% | 1,226 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.2940% | 1,540 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 48.6331% | 5,228 |
| Net loans and leases to deposits | 62.7560% | 4,642 |
| Net loans and leases to core deposits | 69.4971% | 4,343 |
| Total domestic deposits to total assets | 77.4955% | 5,898 |
| Equity capital to assets | 9.2465% | 4,751 |
| Core capital (leverage) ratio | 8.7754% | 5,321 |
| Tier 1 risk-based capital ratio | 15.6967% | 3,254 |
| Total risk-based capital ratio | 16.9555% | 3,205 |
| Memoranda: | ||
| Average total assets | $64,043,800 | 5,649 |
| Average earning assets | $56,707,800 | 5,687 |
| Average equity | $6,266,600 | 5,750 |
| Average total loans | $32,045,400 | 5,665 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5832% | 5,488 |
| Cost of funding earning assets | 0.6593% | 2,272 |
| Net interest margin | 2.9239% | 5,759 |
| Noninterest income to average assets | 0.2166% | 5,881 |
| Noninterest expense to average assets | 2.4709% | 4,808 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1913% | 5,934 |
| Return on assets (ROA) | 0.2061% | 5,981 |
| Pretax return on assets | 0.3428% | 5,766 |
| Return on Equity (ROE) | 2.0761% | 5,914 |
| Retained earnings to average equity (ytd only) | 2.0761% | 5,085 |
| Net charge-offs to loans | -0.2392% | 6,684 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5456% | 1,121 |
| Assets per employee ($millions) | 7.4613% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1403% | 1,429 |
| Loan loss allowance to noncurrent loans | 70,000.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 2.4229% | 1,601 |
| Noncurrent loans to loans | 0.0031% | 6,387 |
| Net loans and leases to total assets | 47.6620% | 5,385 |
| Net loans and leases to deposits | 65.0462% | 4,398 |
| Net loans and leases to core deposits | 72.4085% | 4,042 |
| Total domestic deposits to total assets | 73.2741% | 6,417 |
| Equity capital to assets | 9.2700% | 4,836 |
| Core capital (leverage) ratio | 8.7132% | 5,517 |
| Tier 1 risk-based capital ratio | 15.7323% | 3,331 |
| Total risk-based capital ratio | 16.9907% | 3,284 |
| Memoranda: | ||
| Average total assets | $63,402,500 | 5,728 |
| Average earning assets | $55,814,500 | 5,764 |
| Average equity | $6,293,500 | 5,815 |
| Average total loans | $31,779,000 | 5,737 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4668% | 5,753 |
| Cost of funding earning assets | 0.6721% | 2,294 |
| Net interest margin | 2.7948% | 6,010 |
| Noninterest income to average assets | 0.1963% | 6,029 |
| Noninterest expense to average assets | 2.5357% | 4,608 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0642% | 6,215 |
| Return on assets (ROA) | 0.0869% | 6,241 |
| Pretax return on assets | 0.1448% | 6,165 |
| Return on Equity (ROE) | 0.8549% | 6,240 |
| Retained earnings to average equity (ytd only) | 0.8549% | 5,557 |
| Net charge-offs to loans | -0.2606% | 6,727 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8637% | 666 |
| Assets per employee ($millions) | 6.4251% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1382% | 1,547 |
| Loan loss allowance to noncurrent loans | 68,400.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 2.5323% | 1,670 |
| Noncurrent loans to loans | 0.0031% | 6,448 |
| Net loans and leases to total assets | 48.7230% | 5,256 |
| Net loans and leases to deposits | 65.4862% | 4,323 |
| Net loans and leases to core deposits | 72.7110% | 3,961 |
| Total domestic deposits to total assets | 74.4020% | 6,411 |
| Equity capital to assets | 9.5547% | 4,509 |
| Core capital (leverage) ratio | 9.3670% | 4,441 |
| Tier 1 risk-based capital ratio | 15.5998% | 3,431 |
| Total risk-based capital ratio | 16.8833% | 3,352 |
| Memoranda: | ||
| Average total assets | $62,152,670 | 5,800 |
| Average earning assets | $54,458,670 | 5,847 |
| Average equity | $6,316,330 | 5,849 |
| Average total loans | $31,470,000 | 5,778 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4806% | 5,755 |
| Cost of funding earning assets | 0.7022% | 2,187 |
| Net interest margin | 2.7784% | 6,076 |
| Noninterest income to average assets | 0.1375% | 6,412 |
| Noninterest expense to average assets | 2.4287% | 5,021 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0720% | 6,201 |
| Return on assets (ROA) | 0.0720% | 6,289 |
| Pretax return on assets | 0.1178% | 6,226 |
| Return on Equity (ROE) | 0.6870% | 6,280 |
| Retained earnings to average equity (ytd only) | 0.6870% | 5,547 |
| Net charge-offs to loans | -0.1410% | 6,579 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3728% | 758 |
| Assets per employee ($millions) | 6.2627% | 1,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0779% | 1,848 |
| Loan loss allowance to noncurrent loans | 65,400.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 2.5979% | 1,757 |
| Noncurrent loans to loans | 0.0032% | 6,513 |
| Net loans and leases to total assets | 49.2120% | 5,086 |
| Net loans and leases to deposits | 65.8406% | 4,075 |
| Net loans and leases to core deposits | 69.0258% | 4,181 |
| Total domestic deposits to total assets | 74.7441% | 6,484 |
| Equity capital to assets | 10.2001% | 3,905 |
| Core capital (leverage) ratio | 9.5778% | 3,960 |
| Tier 1 risk-based capital ratio | 17.0202% | 2,739 |
| Total risk-based capital ratio | 18.2769% | 2,710 |
| Memoranda: | ||
| Average total assets | $61,103,500 | 5,880 |
| Average earning assets | $52,979,500 | 5,948 |
| Average equity | $6,405,000 | 5,885 |
| Average total loans | $31,210,500 | 5,838 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1224% | 4,873 |
| Cost of funding earning assets | 0.7921% | 2,731 |
| Net interest margin | 3.3304% | 5,141 |
| Noninterest income to average assets | -0.5323% | 7,032 |
| Noninterest expense to average assets | 2.9873% | 3,323 |
| Loan and lease loss provision to assets | 0.2258% | 2,870 |
| Net operating income to assets | -0.5223% | 6,579 |
| Return on assets (ROA) | 0.2468% | 5,844 |
| Pretax return on assets | 0.4065% | 5,559 |
| Return on Equity (ROE) | 2.3415% | 5,809 |
| Retained earnings to average equity (ytd only) | 2.3415% | 4,583 |
| Net charge-offs to loans | 0.1762% | 3,965 |
| Credit loss provision to net charge-offs | 250.0000% | 973 |
| Earnings coverage of net charge-offs (x) | -6.3036% | 5,921 |
| Efficiency ratio | 123.5490% | 186 |
| Assets per employee ($millions) | 5.9580% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0777% | 1,823 |
| Loan loss allowance to noncurrent loans | 1,339.5833% | 370 |
| Noncurrent assets plus other real estate owned to assets | 4.2497% | 994 |
| Noncurrent loans to loans | 0.1551% | 6,091 |
| Net loans and leases to total assets | 50.8627% | 5,056 |
| Net loans and leases to deposits | 62.0208% | 4,780 |
| Net loans and leases to core deposits | 64.8880% | 4,851 |
| Total domestic deposits to total assets | 82.0091% | 5,090 |
| Equity capital to assets | 10.7788% | 3,194 |
| Core capital (leverage) ratio | 9.6876% | 3,828 |
| Tier 1 risk-based capital ratio | 16.6901% | 2,797 |
| Total risk-based capital ratio | 17.9731% | 2,752 |
| Memoranda: | ||
| Average total assets | $61,995,200 | 5,872 |
| Average earning assets | $54,919,000 | 5,893 |
| Average equity | $6,534,400 | 5,885 |
| Average total loans | $31,779,400 | 5,864 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1819% | 4,880 |
| Cost of funding earning assets | 0.8067% | 2,887 |
| Net interest margin | 3.3752% | 5,117 |
| Noninterest income to average assets | 0.0511% | 6,796 |
| Noninterest expense to average assets | 2.7433% | 4,202 |
| Loan and lease loss provision to assets | 0.2982% | 2,207 |
| Net operating income to assets | -0.0033% | 6,287 |
| Return on assets (ROA) | 0.2066% | 6,068 |
| Pretax return on assets | 0.3408% | 5,868 |
| Return on Equity (ROE) | 1.9707% | 6,028 |
| Retained earnings to average equity (ytd only) | 1.9707% | 5,335 |
| Net charge-offs to loans | 0.3168% | 2,859 |
| Credit loss provision to net charge-offs | 184.2105% | 1,505 |
| Earnings coverage of net charge-offs (x) | 1.9211% | 4,300 |
| Efficiency ratio | 89.8187% | 1,052 |
| Assets per employee ($millions) | 6.7633% | 833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0557% | 2,019 |
| Loan loss allowance to noncurrent loans | 124.8497% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 6.4827% | 584 |
| Noncurrent loans to loans | 1.6465% | 3,321 |
| Net loans and leases to total assets | 48.7646% | 5,456 |
| Net loans and leases to deposits | 63.1957% | 4,816 |
| Net loans and leases to core deposits | 66.2345% | 4,931 |
| Total domestic deposits to total assets | 77.1644% | 6,209 |
| Equity capital to assets | 11.2026% | 3,035 |
| Core capital (leverage) ratio | 9.8829% | 3,707 |
| Tier 1 risk-based capital ratio | 16.1266% | 3,207 |
| Total risk-based capital ratio | 17.3827% | 3,175 |
| Memoranda: | ||
| Average total assets | $62,599,000 | 5,929 |
| Average earning assets | $55,699,000 | 5,941 |
| Average equity | $6,562,500 | 5,946 |
| Average total loans | $31,987,500 | 5,928 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2111% | 4,909 |
| Cost of funding earning assets | 0.8288% | 2,963 |
| Net interest margin | 3.3823% | 5,150 |
| Noninterest income to average assets | -0.0696% | 7,070 |
| Noninterest expense to average assets | 2.5991% | 4,785 |
| Loan and lease loss provision to assets | 0.3799% | 1,724 |
| Net operating income to assets | -0.0175% | 6,343 |
| Return on assets (ROA) | 0.1710% | 6,173 |
| Pretax return on assets | 0.2818% | 5,989 |
| Return on Equity (ROE) | 1.6674% | 6,146 |
| Retained earnings to average equity (ytd only) | 1.6674% | 5,369 |
| Net charge-offs to loans | 0.2089% | 3,314 |
| Credit loss provision to net charge-offs | 352.9412% | 829 |
| Earnings coverage of net charge-offs (x) | 3.4118% | 3,381 |
| Efficiency ratio | 87.6201% | 1,269 |
| Assets per employee ($millions) | 6.8973% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0205% | 2,179 |
| Loan loss allowance to noncurrent loans | 40.7197% | 5,624 |
| Noncurrent assets plus other real estate owned to assets | 7.1122% | 549 |
| Noncurrent loans to loans | 4.9619% | 1,003 |
| Net loans and leases to total assets | 50.3866% | 5,305 |
| Net loans and leases to deposits | 66.4952% | 4,446 |
| Net loans and leases to core deposits | 69.6863% | 4,565 |
| Total domestic deposits to total assets | 75.7749% | 6,492 |
| Equity capital to assets | 10.7513% | 3,393 |
| Core capital (leverage) ratio | 9.3419% | 4,385 |
| Tier 1 risk-based capital ratio | 15.4637% | 3,469 |
| Total risk-based capital ratio | 16.7201% | 3,428 |
| Memoranda: | ||
| Average total assets | $63,175,330 | 5,939 |
| Average earning assets | $56,706,670 | 5,952 |
| Average equity | $6,477,000 | 5,990 |
| Average total loans | $32,548,000 | 5,935 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2646% | 4,873 |
| Cost of funding earning assets | 0.8515% | 3,052 |
| Net interest margin | 3.4131% | 5,066 |
| Noninterest income to average assets | 0.1569% | 6,448 |
| Noninterest expense to average assets | 3.3393% | 2,172 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.0753% | 6,508 |
| Return on assets (ROA) | 0.1255% | 6,309 |
| Pretax return on assets | 0.2009% | 6,204 |
| Return on Equity (ROE) | 1.2542% | 6,295 |
| Retained earnings to average equity (ytd only) | 1.2542% | 5,592 |
| Net charge-offs to loans | -0.0487% | 6,520 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5019% | 459 |
| Assets per employee ($millions) | 7.1697% | 688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7127% | 3,296 |
| Loan loss allowance to noncurrent loans | 18.5809% | 6,607 |
| Noncurrent assets plus other real estate owned to assets | 6.9862% | 621 |
| Noncurrent loans to loans | 9.2173% | 355 |
| Net loans and leases to total assets | 50.0721% | 5,295 |
| Net loans and leases to deposits | 61.9096% | 4,932 |
| Net loans and leases to core deposits | 65.0559% | 5,012 |
| Total domestic deposits to total assets | 80.8793% | 5,640 |
| Equity capital to assets | 9.9462% | 4,194 |
| Core capital (leverage) ratio | 9.1775% | 4,555 |
| Tier 1 risk-based capital ratio | 15.1620% | 3,648 |
| Total risk-based capital ratio | 16.4150% | 3,604 |
| Memoranda: | ||
| Average total assets | $63,725,000 | 5,961 |
| Average earning assets | $57,309,000 | 5,963 |
| Average equity | $6,378,500 | 6,052 |
| Average total loans | $32,860,500 | 5,960 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5598% | 4,836 |
| Cost of funding earning assets | 1.1018% | 2,663 |
| Net interest margin | 3.4580% | 5,294 |
| Noninterest income to average assets | 0.1972% | 6,096 |
| Noninterest expense to average assets | 2.8109% | 4,306 |
| Loan and lease loss provision to assets | 0.2958% | 3,300 |
| Net operating income to assets | 0.1121% | 5,842 |
| Return on assets (ROA) | 0.1955% | 5,732 |
| Pretax return on assets | 0.3259% | 5,492 |
| Return on Equity (ROE) | 1.9891% | 5,664 |
| Retained earnings to average equity (ytd only) | 1.9891% | 4,800 |
| Net charge-offs to loans | 1.7995% | 818 |
| Credit loss provision to net charge-offs | 27.5272% | 5,817 |
| Earnings coverage of net charge-offs (x) | 0.4572% | 5,475 |
| Efficiency ratio | 85.1215% | 1,660 |
| Assets per employee ($millions) | 6.9914% | 748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7018% | 3,195 |
| Loan loss allowance to noncurrent loans | 21.8616% | 6,554 |
| Noncurrent assets plus other real estate owned to assets | 6.7829% | 683 |
| Noncurrent loans to loans | 7.7843% | 530 |
| Net loans and leases to total assets | 51.3151% | 5,421 |
| Net loans and leases to deposits | 60.6218% | 5,424 |
| Net loans and leases to core deposits | 64.8647% | 5,376 |
| Total domestic deposits to total assets | 84.6479% | 4,021 |
| Equity capital to assets | 10.0742% | 4,069 |
| Core capital (leverage) ratio | 9.2441% | 4,401 |
| Tier 1 risk-based capital ratio | 14.6966% | 3,830 |
| Total risk-based capital ratio | 15.9485% | 3,811 |
| Memoranda: | ||
| Average total assets | $59,839,000 | 6,043 |
| Average earning assets | $53,730,000 | 6,055 |
| Average equity | $5,882,200 | 6,187 |
| Average total loans | $35,732,400 | 5,882 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6290% | 4,752 |
| Cost of funding earning assets | 1.1660% | 2,524 |
| Net interest margin | 3.4630% | 5,346 |
| Noninterest income to average assets | 0.0858% | 6,809 |
| Noninterest expense to average assets | 2.8103% | 4,303 |
| Loan and lease loss provision to assets | 0.1964% | 4,059 |
| Net operating income to assets | 0.1125% | 5,937 |
| Return on assets (ROA) | 0.1399% | 5,989 |
| Pretax return on assets | 0.2325% | 5,835 |
| Return on Equity (ROE) | 1.4331% | 5,965 |
| Retained earnings to average equity (ytd only) | 1.4331% | 5,433 |
| Net charge-offs to loans | 2.2421% | 544 |
| Credit loss provision to net charge-offs | 14.1925% | 5,630 |
| Earnings coverage of net charge-offs (x) | 0.2790% | 5,390 |
| Efficiency ratio | 87.9237% | 1,351 |
| Assets per employee ($millions) | 5.5394% | 1,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4770% | 4,221 |
| Loan loss allowance to noncurrent loans | 24.6177% | 6,507 |
| Noncurrent assets plus other real estate owned to assets | 5.6915% | 967 |
| Noncurrent loans to loans | 5.9999% | 930 |
| Net loans and leases to total assets | 54.6256% | 5,066 |
| Net loans and leases to deposits | 66.0482% | 4,899 |
| Net loans and leases to core deposits | 71.3428% | 4,799 |
| Total domestic deposits to total assets | 82.7056% | 4,793 |
| Equity capital to assets | 10.4869% | 3,724 |
| Core capital (leverage) ratio | 9.2535% | 4,538 |
| Tier 1 risk-based capital ratio | 14.3306% | 4,104 |
| Total risk-based capital ratio | 15.5671% | 4,082 |
| Memoranda: | ||
| Average total assets | $59,068,000 | 6,122 |
| Average earning assets | $53,055,500 | 6,127 |
| Average equity | $5,768,000 | 6,255 |
| Average total loans | $36,453,500 | 5,898 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7017% | 4,531 |
| Cost of funding earning assets | 1.2108% | 2,501 |
| Net interest margin | 3.4909% | 5,200 |
| Noninterest income to average assets | 0.2327% | 5,979 |
| Noninterest expense to average assets | 2.9429% | 3,855 |
| Loan and lease loss provision to assets | 0.2464% | 3,441 |
| Net operating income to assets | 0.1021% | 6,010 |
| Return on assets (ROA) | 0.1437% | 5,996 |
| Pretax return on assets | 0.2361% | 5,848 |
| Return on Equity (ROE) | 1.5106% | 5,933 |
| Retained earnings to average equity (ytd only) | 1.5106% | 5,227 |
| Net charge-offs to loans | 3.1117% | 322 |
| Credit loss provision to net charge-offs | 12.3924% | 5,222 |
| Earnings coverage of net charge-offs (x) | 0.2100% | 5,153 |
| Efficiency ratio | 87.5764% | 1,456 |
| Assets per employee ($millions) | 5.3265% | 1,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 4,260 |
| Loan loss allowance to noncurrent loans | 21.7905% | 6,657 |
| Noncurrent assets plus other real estate owned to assets | 6.2483% | 880 |
| Noncurrent loans to loans | 6.7403% | 795 |
| Net loans and leases to total assets | 59.0797% | 4,452 |
| Net loans and leases to deposits | 68.8574% | 4,583 |
| Net loans and leases to core deposits | 74.3806% | 4,530 |
| Total domestic deposits to total assets | 85.8001% | 3,443 |
| Equity capital to assets | 10.0372% | 4,097 |
| Core capital (leverage) ratio | 8.6777% | 5,260 |
| Tier 1 risk-based capital ratio | 12.6255% | 5,239 |
| Total risk-based capital ratio | 13.8749% | 5,208 |
| Memoranda: | ||
| Average total assets | $58,446,330 | 6,191 |
| Average earning assets | $52,364,000 | 6,213 |
| Average equity | $5,560,670 | 6,351 |
| Average total loans | $37,343,330 | 5,923 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6441% | 4,766 |
| Cost of funding earning assets | 1.2659% | 2,387 |
| Net interest margin | 3.3782% | 5,514 |
| Noninterest income to average assets | 0.3974% | 4,720 |
| Noninterest expense to average assets | 2.7684% | 4,573 |
| Loan and lease loss provision to assets | 0.4934% | 1,773 |
| Net operating income to assets | 0.1096% | 6,070 |
| Return on assets (ROA) | 0.1096% | 6,123 |
| Pretax return on assets | 0.1713% | 6,003 |
| Return on Equity (ROE) | 1.1851% | 6,078 |
| Retained earnings to average equity (ytd only) | 1.1851% | 5,349 |
| Net charge-offs to loans | 3.2042% | 329 |
| Credit loss provision to net charge-offs | 23.3766% | 4,219 |
| Earnings coverage of net charge-offs (x) | 0.3149% | 4,379 |
| Efficiency ratio | 80.6387% | 2,417 |
| Assets per employee ($millions) | 5.8796% | 1,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0746% | 2,237 |
| Loan loss allowance to noncurrent loans | 31.0875% | 6,232 |
| Noncurrent assets plus other real estate owned to assets | 6.2589% | 906 |
| Noncurrent loans to loans | 6.6733% | 868 |
| Net loans and leases to total assets | 63.3427% | 3,575 |
| Net loans and leases to deposits | 72.9797% | 3,927 |
| Net loans and leases to core deposits | 78.3123% | 3,979 |
| Total domestic deposits to total assets | 86.7950% | 3,064 |
| Equity capital to assets | 9.2217% | 4,842 |
| Core capital (leverage) ratio | 8.3325% | 5,745 |
| Tier 1 risk-based capital ratio | 11.1670% | 6,380 |
| Total risk-based capital ratio | 12.4256% | 6,344 |
| Memoranda: | ||
| Average total assets | $58,373,500 | 6,242 |
| Average earning assets | $52,454,000 | 6,257 |
| Average equity | $5,400,500 | 6,418 |
| Average total loans | $38,449,000 | 5,921 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3114% | 3,073 |
| Cost of funding earning assets | 1.4748% | 2,792 |
| Net interest margin | 3.8366% | 3,794 |
| Noninterest income to average assets | 0.3331% | 5,403 |
| Noninterest expense to average assets | 3.5294% | 2,100 |
| Loan and lease loss provision to assets | 0.5922% | 2,770 |
| Net operating income to assets | -0.2073% | 6,123 |
| Return on assets (ROA) | -0.2073% | 6,176 |
| Pretax return on assets | -0.3461% | 6,196 |
| Return on Equity (ROE) | -1.9798% | 6,171 |
| Retained earnings to average equity (ytd only) | -1.9798% | 5,969 |
| Net charge-offs to loans | 0.7352% | 2,816 |
| Credit loss provision to net charge-offs | 104.5752% | 4,293 |
| Earnings coverage of net charge-offs (x) | 0.4346% | 5,676 |
| Efficiency ratio | 93.4804% | 1,089 |
| Assets per employee ($millions) | 5.7951% | 1,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6373% | 1,246 |
| Loan loss allowance to noncurrent loans | 38.2891% | 5,750 |
| Noncurrent assets plus other real estate owned to assets | 6.4071% | 889 |
| Noncurrent loans to loans | 6.8878% | 832 |
| Net loans and leases to total assets | 65.2983% | 3,599 |
| Net loans and leases to deposits | 76.5764% | 3,752 |
| Net loans and leases to core deposits | 82.3543% | 3,853 |
| Total domestic deposits to total assets | 85.2720% | 3,725 |
| Equity capital to assets | 9.2820% | 4,709 |
| Core capital (leverage) ratio | 8.1894% | 5,840 |
| Tier 1 risk-based capital ratio | 10.9281% | 6,384 |
| Total risk-based capital ratio | 12.1910% | 6,344 |
| Memoranda: | ||
| Average total assets | $54,032,400 | 6,402 |
| Average earning assets | $48,480,400 | 6,420 |
| Average equity | $5,657,200 | 6,465 |
| Average total loans | $41,623,400 | 5,856 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4380% | 2,703 |
| Cost of funding earning assets | 1.4918% | 3,030 |
| Net interest margin | 3.9463% | 3,339 |
| Noninterest income to average assets | 0.3242% | 5,563 |
| Noninterest expense to average assets | 3.4782% | 2,084 |
| Loan and lease loss provision to assets | 0.3016% | 4,161 |
| Net operating income to assets | 0.0553% | 5,874 |
| Return on assets (ROA) | 0.0553% | 6,008 |
| Pretax return on assets | 0.0880% | 5,929 |
| Return on Equity (ROE) | 0.5122% | 6,009 |
| Retained earnings to average equity (ytd only) | 0.5122% | 5,592 |
| Net charge-offs to loans | 0.8760% | 2,255 |
| Credit loss provision to net charge-offs | 43.1655% | 5,976 |
| Earnings coverage of net charge-offs (x) | 0.5575% | 5,465 |
| Efficiency ratio | 89.9285% | 1,298 |
| Assets per employee ($millions) | 5.0926% | 2,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1132% | 1,971 |
| Loan loss allowance to noncurrent loans | 33.1522% | 6,121 |
| Noncurrent assets plus other real estate owned to assets | 7.0190% | 770 |
| Noncurrent loans to loans | 6.3742% | 947 |
| Net loans and leases to total assets | 70.6171% | 2,584 |
| Net loans and leases to deposits | 78.8845% | 3,650 |
| Net loans and leases to core deposits | 84.8159% | 3,833 |
| Total domestic deposits to total assets | 89.5196% | 1,116 |
| Equity capital to assets | 10.2715% | 3,801 |
| Core capital (leverage) ratio | 9.7152% | 3,603 |
| Tier 1 risk-based capital ratio | 11.3563% | 6,050 |
| Total risk-based capital ratio | 12.6143% | 6,027 |
| Memoranda: | ||
| Average total assets | $53,052,750 | 6,505 |
| Average earning assets | $47,638,500 | 6,523 |
| Average equity | $5,726,750 | 6,533 |
| Average total loans | $42,312,750 | 5,906 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6650% | 1,887 |
| Cost of funding earning assets | 1.5376% | 3,024 |
| Net interest margin | 4.1273% | 2,441 |
| Noninterest income to average assets | 0.3534% | 5,320 |
| Noninterest expense to average assets | 3.6033% | 1,772 |
| Loan and lease loss provision to assets | 0.3457% | 3,652 |
| Net operating income to assets | 0.0768% | 5,932 |
| Return on assets (ROA) | 0.0768% | 6,032 |
| Pretax return on assets | 0.1268% | 5,927 |
| Return on Equity (ROE) | 0.6996% | 6,031 |
| Retained earnings to average equity (ytd only) | 0.6996% | 5,483 |
| Net charge-offs to loans | 1.2946% | 1,471 |
| Credit loss provision to net charge-offs | 32.3741% | 5,699 |
| Earnings coverage of net charge-offs (x) | 0.4424% | 5,280 |
| Efficiency ratio | 88.4072% | 1,471 |
| Assets per employee ($millions) | 4.3061% | 3,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9727% | 2,252 |
| Loan loss allowance to noncurrent loans | 47.8210% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 5.9954% | 982 |
| Noncurrent loans to loans | 4.1251% | 1,814 |
| Net loans and leases to total assets | 79.1458% | 929 |
| Net loans and leases to deposits | 89.5744% | 1,927 |
| Net loans and leases to core deposits | 98.3361% | 2,193 |
| Total domestic deposits to total assets | 88.3576% | 1,803 |
| Equity capital to assets | 11.1393% | 2,736 |
| Core capital (leverage) ratio | 9.7502% | 3,469 |
| Tier 1 risk-based capital ratio | 11.2958% | 5,944 |
| Total risk-based capital ratio | 12.5522% | 5,929 |
| Memoranda: | ||
| Average total assets | $52,064,000 | 6,583 |
| Average earning assets | $46,955,330 | 6,591 |
| Average equity | $5,717,670 | 6,555 |
| Average total loans | $42,946,000 | 5,905 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6413% | 1,985 |
| Cost of funding earning assets | 1.5431% | 3,310 |
| Net interest margin | 4.0982% | 2,447 |
| Noninterest income to average assets | 0.3751% | 5,139 |
| Noninterest expense to average assets | 3.5285% | 1,913 |
| Loan and lease loss provision to assets | 0.4592% | 2,672 |
| Net operating income to assets | 0.0689% | 6,106 |
| Return on assets (ROA) | 0.0689% | 6,215 |
| Pretax return on assets | 0.1072% | 6,114 |
| Return on Equity (ROE) | 0.6317% | 6,228 |
| Retained earnings to average equity (ytd only) | 0.6317% | 5,569 |
| Net charge-offs to loans | 1.8733% | 920 |
| Credit loss provision to net charge-offs | 29.4118% | 4,822 |
| Earnings coverage of net charge-offs (x) | 0.3627% | 4,713 |
| Efficiency ratio | 86.1682% | 1,777 |
| Assets per employee ($millions) | 4.4973% | 2,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0352% | 2,090 |
| Loan loss allowance to noncurrent loans | 100.2312% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 3.8023% | 1,827 |
| Noncurrent loans to loans | 2.0305% | 3,742 |
| Net loans and leases to total assets | 77.3292% | 1,278 |
| Net loans and leases to deposits | 86.6153% | 2,480 |
| Net loans and leases to core deposits | 95.2069% | 2,677 |
| Total domestic deposits to total assets | 89.2788% | 1,379 |
| Equity capital to assets | 10.5822% | 3,163 |
| Core capital (leverage) ratio | 9.7858% | 3,413 |
| Tier 1 risk-based capital ratio | 11.2060% | 5,951 |
| Total risk-based capital ratio | 12.4638% | 5,898 |
| Memoranda: | ||
| Average total assets | $52,259,500 | 6,657 |
| Average earning assets | $47,435,500 | 6,650 |
| Average equity | $5,698,500 | 6,621 |
| Average total loans | $43,559,000 | 5,958 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8646% | 2,391 |
| Cost of funding earning assets | 1.7991% | 3,999 |
| Net interest margin | 4.0656% | 2,588 |
| Noninterest income to average assets | 0.5100% | 4,335 |
| Noninterest expense to average assets | 3.9353% | 1,462 |
| Loan and lease loss provision to assets | 0.3264% | 4,854 |
| Net operating income to assets | 0.0061% | 5,464 |
| Return on assets (ROA) | 0.0061% | 5,515 |
| Pretax return on assets | 0.0102% | 5,417 |
| Return on Equity (ROE) | 0.0563% | 5,519 |
| Retained earnings to average equity (ytd only) | 0.0563% | 4,877 |
| Net charge-offs to loans | 0.5708% | 3,508 |
| Credit loss provision to net charge-offs | 66.3900% | 6,552 |
| Earnings coverage of net charge-offs (x) | 0.6846% | 5,413 |
| Efficiency ratio | 92.1203% | 1,555 |
| Assets per employee ($millions) | 4.2126% | 3,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2710% | 1,533 |
| Loan loss allowance to noncurrent loans | 83.2099% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 4.9831% | 1,235 |
| Noncurrent loans to loans | 2.7292% | 2,832 |
| Net loans and leases to total assets | 86.0656% | 277 |
| Net loans and leases to deposits | 97.1160% | 1,199 |
| Net loans and leases to core deposits | 120.6182% | 1,908 |
| Total domestic deposits to total assets | 88.6214% | 1,667 |
| Equity capital to assets | 11.2480% | 2,498 |
| Core capital (leverage) ratio | 9.6853% | 3,481 |
| Tier 1 risk-based capital ratio | 10.8936% | 6,017 |
| Total risk-based capital ratio | 12.1546% | 5,984 |
| Memoranda: | ||
| Average total assets | $49,018,000 | 6,749 |
| Average earning assets | $45,356,600 | 6,706 |
| Average equity | $5,332,200 | 6,829 |
| Average total loans | $42,218,200 | 6,008 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8970% | 2,465 |
| Cost of funding earning assets | 1.8434% | 4,182 |
| Net interest margin | 4.0536% | 2,578 |
| Noninterest income to average assets | 0.5702% | 3,921 |
| Noninterest expense to average assets | 4.0190% | 1,252 |
| Loan and lease loss provision to assets | 0.1426% | 5,931 |
| Net operating income to assets | 0.0987% | 5,469 |
| Return on assets (ROA) | 0.0987% | 5,519 |
| Pretax return on assets | 0.1645% | 5,374 |
| Return on Equity (ROE) | 0.9154% | 5,521 |
| Retained earnings to average equity (ytd only) | 0.9154% | 4,796 |
| Net charge-offs to loans | 0.7716% | 2,430 |
| Credit loss provision to net charge-offs | 21.5768% | 6,559 |
| Earnings coverage of net charge-offs (x) | 0.4647% | 5,567 |
| Efficiency ratio | 92.9024% | 1,472 |
| Assets per employee ($millions) | 4.5230% | 2,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0381% | 1,711 |
| Loan loss allowance to noncurrent loans | 79.2105% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 4.2892% | 1,446 |
| Noncurrent loans to loans | 2.5730% | 2,932 |
| Net loans and leases to total assets | 79.9672% | 1,178 |
| Net loans and leases to deposits | 99.9171% | 1,110 |
| Net loans and leases to core deposits | 125.8022% | 1,753 |
| Total domestic deposits to total assets | 80.0335% | 5,425 |
| Equity capital to assets | 10.5885% | 3,414 |
| Core capital (leverage) ratio | 9.7637% | 3,553 |
| Tier 1 risk-based capital ratio | 11.0493% | 5,898 |
| Total risk-based capital ratio | 12.3062% | 5,854 |
| Memoranda: | ||
| Average total assets | $48,634,750 | 6,818 |
| Average earning assets | $45,061,250 | 6,776 |
| Average equity | $5,243,750 | 6,927 |
| Average total loans | $41,643,250 | 6,079 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0097% | 2,145 |
| Cost of funding earning assets | 1.9508% | 3,998 |
| Net interest margin | 4.0589% | 2,472 |
| Noninterest income to average assets | 0.6844% | 3,089 |
| Noninterest expense to average assets | 4.1921% | 1,083 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.1540% | 5,411 |
| Return on assets (ROA) | 0.1540% | 5,504 |
| Pretax return on assets | 0.2481% | 5,332 |
| Return on Equity (ROE) | 1.4184% | 5,488 |
| Retained earnings to average equity (ytd only) | 1.4184% | 4,540 |
| Net charge-offs to loans | 1.1827% | 1,545 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 0.2407% | 5,431 |
| Efficiency ratio | 94.4123% | 1,472 |
| Assets per employee ($millions) | 3.8722% | 3,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9724% | 1,632 |
| Loan loss allowance to noncurrent loans | 57.5389% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 4.9107% | 1,095 |
| Noncurrent loans to loans | 3.4279% | 2,054 |
| Net loans and leases to total assets | 84.0203% | 638 |
| Net loans and leases to deposits | 107.1112% | 698 |
| Net loans and leases to core deposits | 132.8361% | 1,379 |
| Total domestic deposits to total assets | 78.4422% | 5,966 |
| Equity capital to assets | 11.4245% | 2,588 |
| Core capital (leverage) ratio | 10.5849% | 2,741 |
| Tier 1 risk-based capital ratio | 11.3520% | 5,551 |
| Total risk-based capital ratio | 12.6094% | 5,448 |
| Memoranda: | ||
| Average total assets | $46,754,330 | 6,949 |
| Average earning assets | $43,263,330 | 6,914 |
| Average equity | $5,076,000 | 7,034 |
| Average total loans | $40,755,670 | 6,169 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0784% | 2,031 |
| Cost of funding earning assets | 2.0421% | 3,912 |
| Net interest margin | 4.0363% | 2,502 |
| Noninterest income to average assets | 0.7740% | 2,458 |
| Noninterest expense to average assets | 4.4037% | 780 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.0712% | 6,064 |
| Return on assets (ROA) | 0.0712% | 6,224 |
| Pretax return on assets | 0.1157% | 6,130 |
| Return on Equity (ROE) | 0.6753% | 6,232 |
| Retained earnings to average equity (ytd only) | 0.6753% | 5,390 |
| Net charge-offs to loans | 2.4570% | 576 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.0535% | 4,933 |
| Efficiency ratio | 97.4409% | 1,242 |
| Assets per employee ($millions) | 3.2096% | 5,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1568% | 1,133 |
| Loan loss allowance to noncurrent loans | 49.6782% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 5.4390% | 791 |
| Noncurrent loans to loans | 4.3416% | 1,345 |
| Net loans and leases to total assets | 85.7105% | 485 |
| Net loans and leases to deposits | 104.1905% | 1,000 |
| Net loans and leases to core deposits | 142.0657% | 1,009 |
| Total domestic deposits to total assets | 82.2633% | 4,447 |
| Equity capital to assets | 10.5397% | 3,424 |
| Core capital (leverage) ratio | 9.0994% | 4,561 |
| Tier 1 risk-based capital ratio | 9.8264% | 7,113 |
| Total risk-based capital ratio | 11.0874% | 7,009 |
| Memoranda: | ||
| Average total assets | $44,962,000 | 7,063 |
| Average earning assets | $41,721,500 | 7,030 |
| Average equity | $4,738,500 | 7,209 |
| Average total loans | $39,560,500 | 6,256 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4536% | 3,176 |
| Cost of funding earning assets | 2.4257% | 4,603 |
| Net interest margin | 4.0278% | 2,993 |
| Noninterest income to average assets | 0.5661% | 4,105 |
| Noninterest expense to average assets | 4.1528% | 1,197 |
| Loan and lease loss provision to assets | 1.7617% | 721 |
| Net operating income to assets | -0.9419% | 7,216 |
| Return on assets (ROA) | -0.9419% | 7,137 |
| Pretax return on assets | -1.5808% | 7,294 |
| Return on Equity (ROE) | -7.8918% | 7,118 |
| Retained earnings to average equity (ytd only) | -7.8918% | 6,878 |
| Net charge-offs to loans | 0.2487% | 3,786 |
| Credit loss provision to net charge-offs | 806.4516% | 541 |
| Earnings coverage of net charge-offs (x) | 0.8280% | 5,737 |
| Efficiency ratio | 95.8266% | 1,167 |
| Assets per employee ($millions) | 3.2135% | 5,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7466% | 541 |
| Loan loss allowance to noncurrent loans | 42.2111% | 5,911 |
| Noncurrent assets plus other real estate owned to assets | 5.7503% | 541 |
| Noncurrent loans to loans | 6.5069% | 491 |
| Net loans and leases to total assets | 85.9455% | 610 |
| Net loans and leases to deposits | 103.7735% | 1,365 |
| Net loans and leases to core deposits | 158.7796% | 600 |
| Total domestic deposits to total assets | 82.8202% | 3,845 |
| Equity capital to assets | 10.5381% | 3,453 |
| Core capital (leverage) ratio | 9.0926% | 4,601 |
| Tier 1 risk-based capital ratio | 9.9299% | 6,812 |
| Total risk-based capital ratio | 11.2213% | 6,649 |
| Memoranda: | ||
| Average total assets | $42,573,400 | 7,100 |
| Average earning assets | $39,823,000 | 7,046 |
| Average equity | $5,081,200 | 7,114 |
| Average total loans | $37,399,400 | 6,295 |