Home > First Bank of the South > Performance and Condition Ratios
First Bank of the South, 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 | 3.9481% | 3,432 |
| Cost of funding earning assets | 0.3297% | 3,797 |
| Net interest margin | 3.6183% | 3,028 |
| Noninterest income to average assets | 0.6722% | 2,264 |
| Noninterest expense to average assets | 8.3806% | 93 |
| Loan and lease loss provision to assets | 0.2756% | 672 |
| Net operating income to assets | -3.0128% | 6,034 |
| Return on assets (ROA) | -3.0128% | 6,034 |
| Pretax return on assets | -4.9858% | 6,047 |
| Return on Equity (ROE) | -33.5277% | 6,034 |
| Retained earnings to average equity (ytd only) | -33.5277% | 6,015 |
| Net charge-offs to loans | -0.0299% | 5,123 |
| Credit loss provision to net charge-offs | -1,900.0000% | 5,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 228.3267% | 14 |
| Assets per employee ($millions) | 3.5204% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 3,823 |
| Loan loss allowance to noncurrent loans | 48.9796% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 2.0724% | 769 |
| Noncurrent loans to loans | 2.2926% | 798 |
| Net loans and leases to total assets | 46.9809% | 5,067 |
| Net loans and leases to deposits | 51.6553% | 5,262 |
| Net loans and leases to core deposits | 53.2736% | 5,312 |
| Total domestic deposits to total assets | 90.9509% | 198 |
| Equity capital to assets | 8.3588% | 5,669 |
| Core capital (leverage) ratio | 7.7823% | 5,824 |
| Tier 1 risk-based capital ratio | 14.9001% | 3,117 |
| Total risk-based capital ratio | 15.8936% | 3,173 |
| Memoranda: | ||
| Average total assets | $82,714,670 | 4,751 |
| Average earning assets | $68,539,670 | 4,919 |
| Average equity | $7,432,670 | 5,116 |
| Average total loans | $40,126,000 | 4,965 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0956% | 2,856 |
| Cost of funding earning assets | 0.3408% | 3,707 |
| Net interest margin | 3.7548% | 2,459 |
| Noninterest income to average assets | 0.4929% | 3,172 |
| Noninterest expense to average assets | 3.5699% | 1,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0191% | 5,797 |
| Return on assets (ROA) | -0.0191% | 5,823 |
| Pretax return on assets | -0.0191% | 5,824 |
| Return on Equity (ROE) | -0.2061% | 5,829 |
| Retained earnings to average equity (ytd only) | -0.2061% | 5,141 |
| Net charge-offs to loans | -0.0195% | 4,841 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5391% | 280 |
| Assets per employee ($millions) | 3.4818% | 4,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7771% | 5,428 |
| Loan loss allowance to noncurrent loans | 27.8616% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 2.3013% | 688 |
| Noncurrent loans to loans | 2.7890% | 626 |
| Net loans and leases to total assets | 47.9818% | 4,968 |
| Net loans and leases to deposits | 53.7258% | 5,116 |
| Net loans and leases to core deposits | 55.3844% | 5,168 |
| Total domestic deposits to total assets | 89.3087% | 940 |
| Equity capital to assets | 9.3762% | 4,802 |
| Core capital (leverage) ratio | 9.1682% | 4,635 |
| Tier 1 risk-based capital ratio | 17.0739% | 2,263 |
| Total risk-based capital ratio | 17.7681% | 2,423 |
| Memoranda: | ||
| Average total assets | $83,587,500 | 4,772 |
| Average earning assets | $68,073,000 | 4,978 |
| Average equity | $7,765,000 | 5,096 |
| Average total loans | $40,953,000 | 4,977 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0928% | 2,948 |
| Cost of funding earning assets | 0.3560% | 3,637 |
| Net interest margin | 3.7368% | 2,615 |
| Noninterest income to average assets | 0.5734% | 2,873 |
| Noninterest expense to average assets | 3.4808% | 1,331 |
| Loan and lease loss provision to assets | 0.0177% | 4,050 |
| Net operating income to assets | 0.1312% | 5,713 |
| Return on assets (ROA) | 0.1490% | 5,731 |
| Pretax return on assets | 0.1206% | 5,778 |
| Return on Equity (ROE) | 1.6520% | 5,655 |
| Retained earnings to average equity (ytd only) | 1.6520% | 4,784 |
| Net charge-offs to loans | 0.3767% | 769 |
| Credit loss provision to net charge-offs | 9.3168% | 3,828 |
| Earnings coverage of net charge-offs (x) | 0.6335% | 4,200 |
| Efficiency ratio | 96.6513% | 377 |
| Assets per employee ($millions) | 3.0967% | 5,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7519% | 5,534 |
| Loan loss allowance to noncurrent loans | 18.1818% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 2.9661% | 441 |
| Noncurrent loans to loans | 4.1352% | 284 |
| Net loans and leases to total assets | 49.2573% | 4,931 |
| Net loans and leases to deposits | 55.0683% | 5,107 |
| Net loans and leases to core deposits | 56.7623% | 5,164 |
| Total domestic deposits to total assets | 89.4477% | 889 |
| Equity capital to assets | 9.2032% | 4,906 |
| Core capital (leverage) ratio | 9.2578% | 4,534 |
| Tier 1 risk-based capital ratio | 16.1422% | 2,627 |
| Total risk-based capital ratio | 16.7941% | 2,841 |
| Memoranda: | ||
| Average total assets | $84,577,800 | 4,776 |
| Average earning assets | $68,535,400 | 4,968 |
| Average equity | $7,627,200 | 5,126 |
| Average total loans | $42,736,200 | 4,909 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1051% | 2,913 |
| Cost of funding earning assets | 0.3590% | 3,662 |
| Net interest margin | 3.7461% | 2,577 |
| Noninterest income to average assets | 0.5769% | 2,869 |
| Noninterest expense to average assets | 3.3246% | 1,639 |
| Loan and lease loss provision to assets | 0.0236% | 3,806 |
| Net operating income to assets | 0.2581% | 5,554 |
| Return on assets (ROA) | 0.2798% | 5,587 |
| Pretax return on assets | 0.3034% | 5,633 |
| Return on Equity (ROE) | 3.1186% | 5,342 |
| Retained earnings to average equity (ytd only) | 3.1186% | 4,234 |
| Net charge-offs to loans | 0.0929% | 2,235 |
| Credit loss provision to net charge-offs | 50.0000% | 3,031 |
| Earnings coverage of net charge-offs (x) | 6.4333% | 3,051 |
| Efficiency ratio | 91.6378% | 589 |
| Assets per employee ($millions) | 2.9939% | 5,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 4,476 |
| Loan loss allowance to noncurrent loans | 25.1276% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 3.0765% | 480 |
| Noncurrent loans to loans | 4.1733% | 295 |
| Net loans and leases to total assets | 49.8664% | 4,943 |
| Net loans and leases to deposits | 55.7918% | 5,136 |
| Net loans and leases to core deposits | 57.5033% | 5,220 |
| Total domestic deposits to total assets | 89.3794% | 825 |
| Equity capital to assets | 9.2439% | 5,062 |
| Core capital (leverage) ratio | 9.2473% | 4,667 |
| Tier 1 risk-based capital ratio | 16.0872% | 2,758 |
| Total risk-based capital ratio | 17.0035% | 2,851 |
| Memoranda: | ||
| Average total assets | $84,819,250 | 4,826 |
| Average earning assets | $69,082,750 | 5,013 |
| Average equity | $7,610,250 | 5,193 |
| Average total loans | $43,046,000 | 4,947 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0441% | 3,107 |
| Cost of funding earning assets | 0.3590% | 3,718 |
| Net interest margin | 3.6851% | 2,775 |
| Noninterest income to average assets | 0.5567% | 2,998 |
| Noninterest expense to average assets | 3.3001% | 1,709 |
| Loan and lease loss provision to assets | 0.0117% | 3,882 |
| Net operating income to assets | 0.2419% | 5,601 |
| Return on assets (ROA) | 0.2419% | 5,672 |
| Pretax return on assets | 0.2584% | 5,726 |
| Return on Equity (ROE) | 2.7234% | 5,502 |
| Retained earnings to average equity (ytd only) | 2.7234% | 4,328 |
| Net charge-offs to loans | 0.0554% | 2,619 |
| Credit loss provision to net charge-offs | 41.6667% | 2,790 |
| Earnings coverage of net charge-offs (x) | 9.5833% | 2,440 |
| Efficiency ratio | 92.4342% | 616 |
| Assets per employee ($millions) | 2.9866% | 5,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 4,555 |
| Loan loss allowance to noncurrent loans | 31.1464% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 2.7205% | 658 |
| Noncurrent loans to loans | 3.3962% | 533 |
| Net loans and leases to total assets | 50.4454% | 4,896 |
| Net loans and leases to deposits | 56.2782% | 5,107 |
| Net loans and leases to core deposits | 58.0014% | 5,193 |
| Total domestic deposits to total assets | 89.6359% | 822 |
| Equity capital to assets | 9.0141% | 5,221 |
| Core capital (leverage) ratio | 8.8673% | 5,137 |
| Tier 1 risk-based capital ratio | 16.2821% | 2,719 |
| Total risk-based capital ratio | 17.2474% | 2,818 |
| Memoranda: | ||
| Average total assets | $85,149,670 | 4,874 |
| Average earning assets | $69,632,670 | 5,049 |
| Average equity | $7,564,000 | 5,247 |
| Average total loans | $43,313,000 | 4,980 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1095% | 2,790 |
| Cost of funding earning assets | 0.3621% | 3,725 |
| Net interest margin | 3.7474% | 2,440 |
| Noninterest income to average assets | 0.5308% | 3,086 |
| Noninterest expense to average assets | 3.2824% | 1,762 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2840% | 5,466 |
| Return on assets (ROA) | 0.2840% | 5,562 |
| Pretax return on assets | 0.2840% | 5,681 |
| Return on Equity (ROE) | 3.2203% | 5,293 |
| Retained earnings to average equity (ytd only) | 3.2203% | 4,056 |
| Net charge-offs to loans | 0.0458% | 2,343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 12.2000% | 1,810 |
| Efficiency ratio | 92.0366% | 714 |
| Assets per employee ($millions) | 3.1294% | 5,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0413% | 4,816 |
| Loan loss allowance to noncurrent loans | 29.0013% | 5,567 |
| Noncurrent assets plus other real estate owned to assets | 2.7093% | 741 |
| Noncurrent loans to loans | 3.5904% | 520 |
| Net loans and leases to total assets | 49.1332% | 4,930 |
| Net loans and leases to deposits | 54.5909% | 5,151 |
| Net loans and leases to core deposits | 56.1758% | 5,242 |
| Total domestic deposits to total assets | 90.0026% | 747 |
| Equity capital to assets | 8.7363% | 5,554 |
| Core capital (leverage) ratio | 8.8241% | 5,170 |
| Tier 1 risk-based capital ratio | 15.7588% | 3,032 |
| Total risk-based capital ratio | 16.6914% | 3,115 |
| Memoranda: | ||
| Average total assets | $85,912,000 | 4,907 |
| Average earning assets | $69,595,000 | 5,100 |
| Average equity | $7,577,000 | 5,286 |
| Average total loans | $43,651,500 | 4,996 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4974% | 1,875 |
| Cost of funding earning assets | 0.3817% | 3,890 |
| Net interest margin | 4.1157% | 1,528 |
| Noninterest income to average assets | 0.6912% | 2,341 |
| Noninterest expense to average assets | 3.5781% | 1,342 |
| Loan and lease loss provision to assets | 0.0299% | 4,011 |
| Net operating income to assets | 0.2928% | 5,536 |
| Return on assets (ROA) | 0.3654% | 5,409 |
| Pretax return on assets | 0.4384% | 5,408 |
| Return on Equity (ROE) | 4.2011% | 5,022 |
| Retained earnings to average equity (ytd only) | 2.6860% | 4,333 |
| Net charge-offs to loans | 0.1583% | 2,454 |
| Credit loss provision to net charge-offs | 35.2113% | 3,764 |
| Earnings coverage of net charge-offs (x) | 4.4789% | 3,642 |
| Efficiency ratio | 90.3782% | 818 |
| Assets per employee ($millions) | 2.9035% | 5,823 |
| Cash dividends to net income (ytd only)* | 36.0656% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0457% | 4,829 |
| Loan loss allowance to noncurrent loans | 29.1349% | 5,671 |
| Noncurrent assets plus other real estate owned to assets | 2.8408% | 751 |
| Noncurrent loans to loans | 3.5892% | 562 |
| Net loans and leases to total assets | 51.4721% | 4,835 |
| Net loans and leases to deposits | 57.2720% | 5,106 |
| Net loans and leases to core deposits | 58.9443% | 5,204 |
| Total domestic deposits to total assets | 89.8730% | 789 |
| Equity capital to assets | 8.9061% | 5,373 |
| Core capital (leverage) ratio | 9.0062% | 4,995 |
| Tier 1 risk-based capital ratio | 15.8232% | 3,045 |
| Total risk-based capital ratio | 16.7770% | 3,151 |
| Memoranda: | ||
| Average total assets | $83,479,000 | 4,972 |
| Average earning assets | $66,282,400 | 5,217 |
| Average equity | $7,260,000 | 5,362 |
| Average total loans | $44,846,000 | 5,002 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4894% | 1,909 |
| Cost of funding earning assets | 0.3825% | 3,988 |
| Net interest margin | 4.1069% | 1,562 |
| Noninterest income to average assets | 0.6451% | 2,602 |
| Noninterest expense to average assets | 3.5102% | 1,440 |
| Loan and lease loss provision to assets | 0.0400% | 3,608 |
| Net operating income to assets | 0.2964% | 5,596 |
| Return on assets (ROA) | 0.3521% | 5,492 |
| Pretax return on assets | 0.4066% | 5,565 |
| Return on Equity (ROE) | 4.0739% | 5,141 |
| Retained earnings to average equity (ytd only) | 2.0369% | 5,034 |
| Net charge-offs to loans | 0.2365% | 1,630 |
| Credit loss provision to net charge-offs | 31.2500% | 3,437 |
| Earnings coverage of net charge-offs (x) | 2.9876% | 3,772 |
| Efficiency ratio | 90.1727% | 834 |
| Assets per employee ($millions) | 2.9296% | 5,808 |
| Cash dividends to net income (ytd only)* | 49.9983% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 5,172 |
| Loan loss allowance to noncurrent loans | 23.4956% | 5,873 |
| Noncurrent assets plus other real estate owned to assets | 2.7696% | 892 |
| Noncurrent loans to loans | 4.2941% | 466 |
| Net loans and leases to total assets | 51.8539% | 4,825 |
| Net loans and leases to deposits | 57.5478% | 5,137 |
| Net loans and leases to core deposits | 59.2052% | 5,249 |
| Total domestic deposits to total assets | 90.1057% | 682 |
| Equity capital to assets | 8.6443% | 5,682 |
| Core capital (leverage) ratio | 9.0457% | 5,010 |
| Tier 1 risk-based capital ratio | 15.7828% | 3,165 |
| Total risk-based capital ratio | 16.7262% | 3,276 |
| Memoranda: | ||
| Average total assets | $83,298,500 | 5,034 |
| Average earning assets | $65,872,000 | 5,287 |
| Average equity | $7,200,250 | 5,422 |
| Average total loans | $45,108,000 | 5,043 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5918% | 1,556 |
| Cost of funding earning assets | 0.3860% | 4,038 |
| Net interest margin | 4.2058% | 1,233 |
| Noninterest income to average assets | 0.6260% | 2,674 |
| Noninterest expense to average assets | 3.5507% | 1,387 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3151% | 5,513 |
| Return on assets (ROA) | 0.3505% | 5,473 |
| Pretax return on assets | 0.4085% | 5,534 |
| Return on Equity (ROE) | 4.0546% | 5,122 |
| Retained earnings to average equity (ytd only) | 4.0546% | 3,597 |
| Net charge-offs to loans | 0.4105% | 993 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.6344% | 3,754 |
| Efficiency ratio | 90.6231% | 866 |
| Assets per employee ($millions) | 2.8030% | 6,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9153% | 5,679 |
| Loan loss allowance to noncurrent loans | 20.5397% | 5,988 |
| Noncurrent assets plus other real estate owned to assets | 2.8814% | 898 |
| Noncurrent loans to loans | 4.4562% | 500 |
| Net loans and leases to total assets | 52.9105% | 4,651 |
| Net loans and leases to deposits | 58.7972% | 4,972 |
| Net loans and leases to core deposits | 60.7189% | 5,083 |
| Total domestic deposits to total assets | 89.9882% | 819 |
| Equity capital to assets | 8.7560% | 5,562 |
| Core capital (leverage) ratio | 9.0082% | 5,005 |
| Tier 1 risk-based capital ratio | 15.6102% | 3,290 |
| Total risk-based capital ratio | 16.4602% | 3,467 |
| Memoranda: | ||
| Average total assets | $82,745,330 | 5,088 |
| Average earning assets | $64,768,330 | 5,362 |
| Average equity | $7,152,330 | 5,452 |
| Average total loans | $45,309,670 | 5,060 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4754% | 1,882 |
| Cost of funding earning assets | 0.3881% | 4,111 |
| Net interest margin | 4.0873% | 1,497 |
| Noninterest income to average assets | 0.6141% | 2,650 |
| Noninterest expense to average assets | 3.6456% | 1,221 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1511% | 5,923 |
| Return on assets (ROA) | 0.1608% | 5,945 |
| Pretax return on assets | 0.1608% | 5,994 |
| Return on Equity (ROE) | 1.8731% | 5,819 |
| Retained earnings to average equity (ytd only) | 1.8731% | 4,844 |
| Net charge-offs to loans | 0.1934% | 1,577 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.4091% | 3,105 |
| Efficiency ratio | 96.0205% | 638 |
| Assets per employee ($millions) | 2.8779% | 6,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0581% | 5,288 |
| Loan loss allowance to noncurrent loans | 24.6547% | 5,983 |
| Noncurrent assets plus other real estate owned to assets | 2.7786% | 1,075 |
| Noncurrent loans to loans | 4.2916% | 599 |
| Net loans and leases to total assets | 54.0050% | 4,420 |
| Net loans and leases to deposits | 59.8685% | 4,776 |
| Net loans and leases to core deposits | 61.8314% | 4,899 |
| Total domestic deposits to total assets | 90.2060% | 965 |
| Equity capital to assets | 8.5251% | 5,631 |
| Core capital (leverage) ratio | 8.9780% | 5,047 |
| Tier 1 risk-based capital ratio | 15.2910% | 3,554 |
| Total risk-based capital ratio | 16.2821% | 3,643 |
| Memoranda: | ||
| Average total assets | $82,072,500 | 5,158 |
| Average earning assets | $63,904,500 | 5,445 |
| Average equity | $7,047,000 | 5,503 |
| Average total loans | $45,512,500 | 5,097 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7320% | 1,487 |
| Cost of funding earning assets | 0.4123% | 4,516 |
| Net interest margin | 4.3197% | 1,060 |
| Noninterest income to average assets | 0.6892% | 2,609 |
| Noninterest expense to average assets | 3.3646% | 1,963 |
| Loan and lease loss provision to assets | 0.0863% | 3,384 |
| Net operating income to assets | 0.4293% | 5,038 |
| Return on assets (ROA) | 0.5022% | 4,859 |
| Pretax return on assets | 0.6473% | 4,714 |
| Return on Equity (ROE) | 5.9517% | 4,115 |
| Retained earnings to average equity (ytd only) | 5.1705% | 2,491 |
| Net charge-offs to loans | 0.1685% | 3,134 |
| Credit loss provision to net charge-offs | 92.3077% | 2,695 |
| Earnings coverage of net charge-offs (x) | 6.8462% | 2,967 |
| Efficiency ratio | 84.0168% | 1,624 |
| Assets per employee ($millions) | 2.9884% | 5,851 |
| Cash dividends to net income (ytd only)* | 13.1265% | 3,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 5,106 |
| Loan loss allowance to noncurrent loans | 19.3772% | 6,183 |
| Noncurrent assets plus other real estate owned to assets | 3.5756% | 800 |
| Noncurrent loans to loans | 5.7201% | 379 |
| Net loans and leases to total assets | 55.7309% | 4,353 |
| Net loans and leases to deposits | 61.9525% | 4,731 |
| Net loans and leases to core deposits | 64.0191% | 4,865 |
| Total domestic deposits to total assets | 89.9574% | 1,097 |
| Equity capital to assets | 8.6496% | 5,423 |
| Core capital (leverage) ratio | 9.0583% | 4,917 |
| Tier 1 risk-based capital ratio | 15.2768% | 3,495 |
| Total risk-based capital ratio | 16.3169% | 3,569 |
| Memoranda: | ||
| Average total assets | $83,426,400 | 5,150 |
| Average earning assets | $64,032,400 | 5,468 |
| Average equity | $7,040,000 | 5,557 |
| Average total loans | $46,296,200 | 5,104 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7258% | 1,531 |
| Cost of funding earning assets | 0.4180% | 4,642 |
| Net interest margin | 4.3078% | 1,077 |
| Noninterest income to average assets | 0.6737% | 2,759 |
| Noninterest expense to average assets | 3.2702% | 2,147 |
| Loan and lease loss provision to assets | 0.1141% | 2,867 |
| Net operating income to assets | 0.4708% | 4,926 |
| Return on assets (ROA) | 0.4708% | 5,076 |
| Pretax return on assets | 0.5897% | 5,055 |
| Return on Equity (ROE) | 5.6127% | 4,402 |
| Retained earnings to average equity (ytd only) | 4.5733% | 3,420 |
| Net charge-offs to loans | 0.2150% | 2,538 |
| Credit loss provision to net charge-offs | 96.0000% | 2,485 |
| Earnings coverage of net charge-offs (x) | 5.9199% | 3,076 |
| Efficiency ratio | 82.2896% | 1,791 |
| Assets per employee ($millions) | 3.0813% | 5,714 |
| Cash dividends to net income (ytd only)* | 18.5181% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 5,227 |
| Loan loss allowance to noncurrent loans | 26.1206% | 6,099 |
| Noncurrent assets plus other real estate owned to assets | 2.6901% | 1,405 |
| Noncurrent loans to loans | 4.3076% | 782 |
| Net loans and leases to total assets | 53.5531% | 4,685 |
| Net loans and leases to deposits | 59.2775% | 5,062 |
| Net loans and leases to core deposits | 60.7751% | 5,240 |
| Total domestic deposits to total assets | 90.3431% | 820 |
| Equity capital to assets | 8.3431% | 5,881 |
| Core capital (leverage) ratio | 8.7729% | 5,451 |
| Tier 1 risk-based capital ratio | 15.0883% | 3,693 |
| Total risk-based capital ratio | 16.1389% | 3,771 |
| Memoranda: | ||
| Average total assets | $84,111,500 | 5,185 |
| Average earning assets | $64,439,500 | 5,512 |
| Average equity | $7,055,250 | 5,619 |
| Average total loans | $46,502,500 | 5,134 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7470% | 1,450 |
| Cost of funding earning assets | 0.4287% | 4,674 |
| Net interest margin | 4.3183% | 997 |
| Noninterest income to average assets | 0.6397% | 2,970 |
| Noninterest expense to average assets | 3.2789% | 2,132 |
| Loan and lease loss provision to assets | 0.1469% | 2,496 |
| Net operating income to assets | 0.4146% | 5,161 |
| Return on assets (ROA) | 0.4146% | 5,322 |
| Pretax return on assets | 0.5070% | 5,346 |
| Return on Equity (ROE) | 4.9342% | 4,763 |
| Retained earnings to average equity (ytd only) | 4.9342% | 3,095 |
| Net charge-offs to loans | 0.2980% | 1,991 |
| Credit loss provision to net charge-offs | 88.5714% | 2,475 |
| Earnings coverage of net charge-offs (x) | 3.9429% | 3,260 |
| Efficiency ratio | 83.3735% | 1,707 |
| Assets per employee ($millions) | 2.8296% | 6,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 5,483 |
| Loan loss allowance to noncurrent loans | 51.3818% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 1.7268% | 2,518 |
| Noncurrent loans to loans | 2.1225% | 2,257 |
| Net loans and leases to total assets | 55.4839% | 4,377 |
| Net loans and leases to deposits | 61.4385% | 4,808 |
| Net loans and leases to core deposits | 62.9767% | 5,007 |
| Total domestic deposits to total assets | 90.3081% | 856 |
| Equity capital to assets | 8.4123% | 5,859 |
| Core capital (leverage) ratio | 8.5476% | 5,614 |
| Tier 1 risk-based capital ratio | 14.6800% | 3,979 |
| Total risk-based capital ratio | 15.7016% | 4,092 |
| Memoranda: | ||
| Average total assets | $84,417,330 | 5,212 |
| Average earning assets | $64,377,000 | 5,547 |
| Average equity | $7,093,330 | 5,662 |
| Average total loans | $46,983,330 | 5,137 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7791% | 1,332 |
| Cost of funding earning assets | 0.4407% | 4,695 |
| Net interest margin | 4.3384% | 894 |
| Noninterest income to average assets | 0.6122% | 3,069 |
| Noninterest expense to average assets | 3.2244% | 2,282 |
| Loan and lease loss provision to assets | 0.1495% | 2,381 |
| Net operating income to assets | 0.4066% | 5,108 |
| Return on assets (ROA) | 0.4066% | 5,254 |
| Pretax return on assets | 0.5047% | 5,237 |
| Return on Equity (ROE) | 4.8411% | 4,669 |
| Retained earnings to average equity (ytd only) | 4.8411% | 3,334 |
| Net charge-offs to loans | 0.3034% | 1,751 |
| Credit loss provision to net charge-offs | 88.8889% | 2,042 |
| Earnings coverage of net charge-offs (x) | 3.8889% | 2,651 |
| Efficiency ratio | 83.1325% | 1,879 |
| Assets per employee ($millions) | 2.9897% | 6,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 5,692 |
| Loan loss allowance to noncurrent loans | 308.5366% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.8651% | 4,222 |
| Noncurrent loans to loans | 0.3488% | 5,520 |
| Net loans and leases to total assets | 53.6528% | 4,468 |
| Net loans and leases to deposits | 59.2573% | 4,880 |
| Net loans and leases to core deposits | 61.0724% | 5,046 |
| Total domestic deposits to total assets | 90.5421% | 746 |
| Equity capital to assets | 8.3068% | 6,184 |
| Core capital (leverage) ratio | 8.3701% | 5,743 |
| Tier 1 risk-based capital ratio | 14.1797% | 4,380 |
| Total risk-based capital ratio | 15.1865% | 4,513 |
| Memoranda: | ||
| Average total assets | $85,597,000 | 5,217 |
| Average earning assets | $64,447,500 | 5,599 |
| Average equity | $7,188,500 | 5,694 |
| Average total loans | $47,459,500 | 5,153 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0595% | 1,403 |
| Cost of funding earning assets | 0.5752% | 4,585 |
| Net interest margin | 4.4843% | 973 |
| Noninterest income to average assets | 0.7056% | 2,692 |
| Noninterest expense to average assets | 3.7917% | 1,264 |
| Loan and lease loss provision to assets | 0.1426% | 3,824 |
| Net operating income to assets | 0.3110% | 5,427 |
| Return on assets (ROA) | 0.5032% | 4,934 |
| Pretax return on assets | 0.6385% | 4,855 |
| Return on Equity (ROE) | 6.0378% | 4,155 |
| Retained earnings to average equity (ytd only) | 6.0378% | 2,058 |
| Net charge-offs to loans | 0.5192% | 2,168 |
| Credit loss provision to net charge-offs | 45.5939% | 4,796 |
| Earnings coverage of net charge-offs (x) | 1.7203% | 4,578 |
| Efficiency ratio | 87.5761% | 1,278 |
| Assets per employee ($millions) | 3.0176% | 5,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 5,695 |
| Loan loss allowance to noncurrent loans | 79.4393% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 1.5504% | 3,060 |
| Noncurrent loans to loans | 1.3404% | 3,603 |
| Net loans and leases to total assets | 56.0821% | 4,277 |
| Net loans and leases to deposits | 62.1228% | 4,773 |
| Net loans and leases to core deposits | 64.0628% | 4,949 |
| Total domestic deposits to total assets | 90.2762% | 813 |
| Equity capital to assets | 8.4917% | 6,061 |
| Core capital (leverage) ratio | 8.4977% | 5,613 |
| Tier 1 risk-based capital ratio | 13.8754% | 4,468 |
| Total risk-based capital ratio | 14.8808% | 4,599 |
| Memoranda: | ||
| Average total assets | $83,471,600 | 5,260 |
| Average earning assets | $67,457,400 | 5,503 |
| Average equity | $6,956,200 | 5,778 |
| Average total loans | $50,273,800 | 5,093 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0819% | 1,470 |
| Cost of funding earning assets | 0.6088% | 4,551 |
| Net interest margin | 4.4731% | 1,039 |
| Noninterest income to average assets | 0.7050% | 2,695 |
| Noninterest expense to average assets | 3.7444% | 1,297 |
| Loan and lease loss provision to assets | 0.1538% | 3,605 |
| Net operating income to assets | 0.3918% | 5,280 |
| Return on assets (ROA) | 0.4470% | 5,294 |
| Pretax return on assets | 0.5335% | 5,367 |
| Return on Equity (ROE) | 5.3900% | 4,648 |
| Retained earnings to average equity (ytd only) | 5.3900% | 3,105 |
| Net charge-offs to loans | 0.5531% | 1,949 |
| Credit loss provision to net charge-offs | 45.4976% | 4,502 |
| Earnings coverage of net charge-offs (x) | 1.8388% | 4,342 |
| Efficiency ratio | 85.7615% | 1,400 |
| Assets per employee ($millions) | 2.6895% | 6,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0908% | 5,754 |
| Loan loss allowance to noncurrent loans | 91.6382% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.4345% | 3,455 |
| Noncurrent loans to loans | 1.1903% | 4,073 |
| Net loans and leases to total assets | 58.4029% | 4,063 |
| Net loans and leases to deposits | 64.7096% | 4,626 |
| Net loans and leases to core deposits | 66.5282% | 4,897 |
| Total domestic deposits to total assets | 90.2538% | 700 |
| Equity capital to assets | 8.5648% | 6,210 |
| Core capital (leverage) ratio | 8.3092% | 5,995 |
| Tier 1 risk-based capital ratio | 13.3147% | 5,014 |
| Total risk-based capital ratio | 14.3514% | 5,129 |
| Memoranda: | ||
| Average total assets | $83,216,000 | 5,317 |
| Average earning assets | $68,109,250 | 5,551 |
| Average equity | $6,901,500 | 5,856 |
| Average total loans | $50,868,250 | 5,133 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0794% | 1,564 |
| Cost of funding earning assets | 0.6477% | 4,460 |
| Net interest margin | 4.4317% | 1,124 |
| Noninterest income to average assets | 0.6854% | 2,748 |
| Noninterest expense to average assets | 3.7565% | 1,287 |
| Loan and lease loss provision to assets | 0.1419% | 3,746 |
| Net operating income to assets | 0.3932% | 5,231 |
| Return on assets (ROA) | 0.4810% | 5,154 |
| Pretax return on assets | 0.5387% | 5,343 |
| Return on Equity (ROE) | 5.8637% | 4,385 |
| Retained earnings to average equity (ytd only) | 5.8637% | 2,793 |
| Net charge-offs to loans | 0.7585% | 1,450 |
| Credit loss provision to net charge-offs | 30.2564% | 4,438 |
| Earnings coverage of net charge-offs (x) | 1.2410% | 4,386 |
| Efficiency ratio | 86.5854% | 1,376 |
| Assets per employee ($millions) | 2.5934% | 6,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0198% | 6,074 |
| Loan loss allowance to noncurrent loans | 56.8908% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 1.7991% | 3,040 |
| Noncurrent loans to loans | 1.7926% | 3,229 |
| Net loans and leases to total assets | 60.3473% | 3,759 |
| Net loans and leases to deposits | 66.7453% | 4,405 |
| Net loans and leases to core deposits | 68.5947% | 4,718 |
| Total domestic deposits to total assets | 90.4143% | 709 |
| Equity capital to assets | 8.3988% | 6,304 |
| Core capital (leverage) ratio | 8.1715% | 6,078 |
| Tier 1 risk-based capital ratio | 12.8670% | 5,277 |
| Total risk-based capital ratio | 13.8407% | 5,485 |
| Memoranda: | ||
| Average total assets | $83,162,670 | 5,347 |
| Average earning assets | $68,552,000 | 5,572 |
| Average equity | $6,821,670 | 5,899 |
| Average total loans | $51,414,000 | 5,129 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0942% | 1,588 |
| Cost of funding earning assets | 0.7020% | 4,264 |
| Net interest margin | 4.3921% | 1,246 |
| Noninterest income to average assets | 0.6390% | 2,995 |
| Noninterest expense to average assets | 3.8150% | 1,194 |
| Loan and lease loss provision to assets | 0.1682% | 3,290 |
| Net operating income to assets | 0.2739% | 5,736 |
| Return on assets (ROA) | 0.2739% | 5,901 |
| Pretax return on assets | 0.2931% | 5,996 |
| Return on Equity (ROE) | 3.3790% | 5,558 |
| Retained earnings to average equity (ytd only) | 3.3790% | 4,540 |
| Net charge-offs to loans | 1.3662% | 741 |
| Credit loss provision to net charge-offs | 19.7740% | 3,781 |
| Earnings coverage of net charge-offs (x) | 0.5424% | 4,063 |
| Efficiency ratio | 89.2135% | 1,159 |
| Assets per employee ($millions) | 2.5959% | 6,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 6,252 |
| Loan loss allowance to noncurrent loans | 59.2334% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 1.7780% | 3,200 |
| Noncurrent loans to loans | 1.6870% | 3,581 |
| Net loans and leases to total assets | 60.8246% | 3,483 |
| Net loans and leases to deposits | 67.1161% | 4,212 |
| Net loans and leases to core deposits | 68.9666% | 4,565 |
| Total domestic deposits to total assets | 90.6260% | 734 |
| Equity capital to assets | 8.1835% | 6,373 |
| Core capital (leverage) ratio | 7.9228% | 6,319 |
| Tier 1 risk-based capital ratio | 12.4487% | 5,647 |
| Total risk-based capital ratio | 13.3999% | 5,840 |
| Memoranda: | ||
| Average total assets | $83,250,000 | 5,376 |
| Average earning assets | $68,941,500 | 5,601 |
| Average equity | $6,747,500 | 5,950 |
| Average total loans | $51,822,500 | 5,152 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5419% | 1,072 |
| Cost of funding earning assets | 1.0078% | 3,317 |
| Net interest margin | 4.5342% | 1,060 |
| Noninterest income to average assets | 0.8563% | 1,819 |
| Noninterest expense to average assets | 3.7991% | 1,352 |
| Loan and lease loss provision to assets | 0.3763% | 2,736 |
| Net operating income to assets | 0.2642% | 5,391 |
| Return on assets (ROA) | 0.2642% | 5,535 |
| Pretax return on assets | 0.2736% | 5,627 |
| Return on Equity (ROE) | 3.5470% | 5,052 |
| Retained earnings to average equity (ytd only) | 3.5470% | 3,704 |
| Net charge-offs to loans | 0.4911% | 3,028 |
| Credit loss provision to net charge-offs | 116.4234% | 2,781 |
| Earnings coverage of net charge-offs (x) | 2.0109% | 4,274 |
| Efficiency ratio | 85.3924% | 1,633 |
| Assets per employee ($millions) | 2.7810% | 6,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 5,230 |
| Loan loss allowance to noncurrent loans | 117.0557% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 1.4168% | 3,867 |
| Noncurrent loans to loans | 1.0588% | 4,590 |
| Net loans and leases to total assets | 62.2750% | 3,544 |
| Net loans and leases to deposits | 68.5996% | 4,345 |
| Net loans and leases to core deposits | 70.7250% | 4,683 |
| Total domestic deposits to total assets | 90.7803% | 593 |
| Equity capital to assets | 8.0271% | 6,558 |
| Core capital (leverage) ratio | 7.8818% | 6,373 |
| Tier 1 risk-based capital ratio | 12.0481% | 5,803 |
| Total risk-based capital ratio | 13.2350% | 5,821 |
| Memoranda: | ||
| Average total assets | $84,783,400 | 5,316 |
| Average earning assets | $67,178,600 | 5,635 |
| Average equity | $6,315,200 | 6,066 |
| Average total loans | $55,789,400 | 5,037 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6387% | 963 |
| Cost of funding earning assets | 1.0796% | 3,114 |
| Net interest margin | 4.5592% | 1,020 |
| Noninterest income to average assets | 0.6986% | 2,618 |
| Noninterest expense to average assets | 3.7859% | 1,326 |
| Loan and lease loss provision to assets | 0.1676% | 4,375 |
| Net operating income to assets | 0.2882% | 5,435 |
| Return on assets (ROA) | 0.2882% | 5,608 |
| Pretax return on assets | 0.3039% | 5,697 |
| Return on Equity (ROE) | 3.9444% | 5,018 |
| Retained earnings to average equity (ytd only) | 3.9444% | 3,912 |
| Net charge-offs to loans | 0.3794% | 3,213 |
| Credit loss provision to net charge-offs | 66.4596% | 4,587 |
| Earnings coverage of net charge-offs (x) | 1.8696% | 4,262 |
| Efficiency ratio | 88.9257% | 1,254 |
| Assets per employee ($millions) | 2.8090% | 6,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 6,138 |
| Loan loss allowance to noncurrent loans | 108.4314% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 1.3677% | 4,090 |
| Noncurrent loans to loans | 0.9468% | 4,988 |
| Net loans and leases to total assets | 61.2249% | 3,901 |
| Net loans and leases to deposits | 66.9118% | 4,769 |
| Net loans and leases to core deposits | 68.8758% | 5,076 |
| Total domestic deposits to total assets | 91.5008% | 297 |
| Equity capital to assets | 7.3474% | 6,970 |
| Core capital (leverage) ratio | 7.1642% | 6,910 |
| Tier 1 risk-based capital ratio | 11.1697% | 6,450 |
| Total risk-based capital ratio | 12.1457% | 6,587 |
| Memoranda: | ||
| Average total assets | $85,121,750 | 5,350 |
| Average earning assets | $66,443,500 | 5,696 |
| Average equity | $6,219,750 | 6,140 |
| Average total loans | $56,584,750 | 5,052 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6630% | 937 |
| Cost of funding earning assets | 1.1332% | 3,020 |
| Net interest margin | 4.5298% | 1,059 |
| Noninterest income to average assets | 0.6890% | 2,609 |
| Noninterest expense to average assets | 3.8215% | 1,317 |
| Loan and lease loss provision to assets | 0.0355% | 5,871 |
| Net operating income to assets | 0.3765% | 5,046 |
| Return on assets (ROA) | 0.3765% | 5,191 |
| Pretax return on assets | 0.4001% | 5,395 |
| Return on Equity (ROE) | 5.1621% | 4,377 |
| Retained earnings to average equity (ytd only) | 5.1621% | 2,904 |
| Net charge-offs to loans | 0.1983% | 3,960 |
| Credit loss provision to net charge-offs | 26.3158% | 5,038 |
| Earnings coverage of net charge-offs (x) | 3.2281% | 3,258 |
| Efficiency ratio | 89.7664% | 1,257 |
| Assets per employee ($millions) | 2.6716% | 6,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 6,256 |
| Loan loss allowance to noncurrent loans | 54.0670% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 2.4285% | 2,729 |
| Noncurrent loans to loans | 1.8838% | 3,631 |
| Net loans and leases to total assets | 62.2819% | 3,831 |
| Net loans and leases to deposits | 67.9130% | 4,723 |
| Net loans and leases to core deposits | 69.9015% | 5,087 |
| Total domestic deposits to total assets | 91.7084% | 297 |
| Equity capital to assets | 7.1516% | 7,071 |
| Core capital (leverage) ratio | 7.3847% | 6,820 |
| Tier 1 risk-based capital ratio | 10.9719% | 6,551 |
| Total risk-based capital ratio | 11.9554% | 6,693 |
| Memoranda: | ||
| Average total assets | $84,469,330 | 5,412 |
| Average earning assets | $66,537,000 | 5,739 |
| Average equity | $6,160,330 | 6,184 |
| Average total loans | $57,490,670 | 5,062 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6509% | 974 |
| Cost of funding earning assets | 1.1992% | 2,823 |
| Net interest margin | 4.4517% | 1,169 |
| Noninterest income to average assets | 0.7068% | 2,541 |
| Noninterest expense to average assets | 3.8488% | 1,247 |
| Loan and lease loss provision to assets | 0.0726% | 5,091 |
| Net operating income to assets | 0.3437% | 5,202 |
| Return on assets (ROA) | 0.3437% | 5,282 |
| Pretax return on assets | 0.3437% | 5,528 |
| Return on Equity (ROE) | 4.6649% | 4,573 |
| Retained earnings to average equity (ytd only) | 4.6649% | 3,398 |
| Net charge-offs to loans | 0.3077% | 2,811 |
| Credit loss provision to net charge-offs | 33.3333% | 4,063 |
| Earnings coverage of net charge-offs (x) | 1.9111% | 3,355 |
| Efficiency ratio | 90.2384% | 1,313 |
| Assets per employee ($millions) | 2.4538% | 7,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 6,396 |
| Loan loss allowance to noncurrent loans | 56.0739% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 2.8335% | 2,434 |
| Noncurrent loans to loans | 1.7847% | 3,841 |
| Net loans and leases to total assets | 68.4178% | 2,473 |
| Net loans and leases to deposits | 74.8466% | 3,620 |
| Net loans and leases to core deposits | 76.8851% | 4,177 |
| Total domestic deposits to total assets | 91.4108% | 441 |
| Equity capital to assets | 7.3667% | 6,941 |
| Core capital (leverage) ratio | 7.5148% | 6,720 |
| Tier 1 risk-based capital ratio | 10.6701% | 6,709 |
| Total risk-based capital ratio | 11.6606% | 6,844 |
| Memoranda: | ||
| Average total assets | $82,623,000 | 5,506 |
| Average earning assets | $66,042,000 | 5,797 |
| Average equity | $6,088,000 | 6,212 |
| Average total loans | $58,499,000 | 5,068 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7295% | 1,470 |
| Cost of funding earning assets | 1.3789% | 3,399 |
| Net interest margin | 4.3506% | 1,644 |
| Noninterest income to average assets | 0.7954% | 2,311 |
| Noninterest expense to average assets | 3.8151% | 1,456 |
| Loan and lease loss provision to assets | 0.6718% | 2,458 |
| Net operating income to assets | 0.0612% | 5,673 |
| Return on assets (ROA) | 0.0612% | 5,821 |
| Pretax return on assets | -0.0084% | 5,908 |
| Return on Equity (ROE) | 0.8512% | 5,739 |
| Retained earnings to average equity (ytd only) | 0.8512% | 5,123 |
| Net charge-offs to loans | 0.6538% | 3,046 |
| Credit loss provision to net charge-offs | 137.2549% | 2,779 |
| Earnings coverage of net charge-offs (x) | 1.3554% | 4,753 |
| Efficiency ratio | 85.1862% | 1,783 |
| Assets per employee ($millions) | 2.2112% | 7,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 6,275 |
| Loan loss allowance to noncurrent loans | 51.7918% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 3.0630% | 2,306 |
| Noncurrent loans to loans | 1.9751% | 3,602 |
| Net loans and leases to total assets | 71.7867% | 2,146 |
| Net loans and leases to deposits | 78.5558% | 3,418 |
| Net loans and leases to core deposits | 80.7449% | 4,101 |
| Total domestic deposits to total assets | 91.3831% | 431 |
| Equity capital to assets | 7.3702% | 6,959 |
| Core capital (leverage) ratio | 7.3530% | 6,817 |
| Tier 1 risk-based capital ratio | 10.3146% | 6,819 |
| Total risk-based capital ratio | 11.3336% | 6,923 |
| Memoranda: | ||
| Average total assets | $83,353,000 | 5,491 |
| Average earning assets | $70,564,200 | 5,647 |
| Average equity | $5,991,800 | 6,369 |
| Average total loans | $62,403,000 | 4,977 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5487% | 2,263 |
| Cost of funding earning assets | 1.3923% | 3,624 |
| Net interest margin | 4.1564% | 2,381 |
| Noninterest income to average assets | 0.7882% | 2,297 |
| Noninterest expense to average assets | 3.7768% | 1,415 |
| Loan and lease loss provision to assets | 0.8917% | 1,704 |
| Net operating income to assets | -0.3200% | 6,449 |
| Return on assets (ROA) | -0.3200% | 6,496 |
| Pretax return on assets | -0.3200% | 6,422 |
| Return on Equity (ROE) | -4.4798% | 6,605 |
| Retained earnings to average equity (ytd only) | -4.4798% | 6,511 |
| Net charge-offs to loans | 0.7409% | 2,571 |
| Credit loss provision to net charge-offs | 159.5442% | 2,379 |
| Earnings coverage of net charge-offs (x) | 1.0228% | 5,036 |
| Efficiency ratio | 86.8546% | 1,545 |
| Assets per employee ($millions) | 2.3149% | 7,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 6,036 |
| Loan loss allowance to noncurrent loans | 28.4490% | 6,424 |
| Noncurrent assets plus other real estate owned to assets | 3.8412% | 1,843 |
| Noncurrent loans to loans | 3.7823% | 2,040 |
| Net loans and leases to total assets | 71.2715% | 2,411 |
| Net loans and leases to deposits | 77.6108% | 3,901 |
| Net loans and leases to core deposits | 79.6565% | 4,568 |
| Total domestic deposits to total assets | 91.8319% | 221 |
| Equity capital to assets | 6.9130% | 7,365 |
| Core capital (leverage) ratio | 7.0085% | 7,161 |
| Tier 1 risk-based capital ratio | 9.5593% | 7,239 |
| Total risk-based capital ratio | 10.6366% | 7,290 |
| Memoranda: | ||
| Average total assets | $83,737,250 | 5,546 |
| Average earning assets | $71,727,250 | 5,675 |
| Average equity | $5,982,250 | 6,451 |
| Average total loans | $63,168,750 | 5,015 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6613% | 1,906 |
| Cost of funding earning assets | 1.4215% | 3,740 |
| Net interest margin | 4.2398% | 2,019 |
| Noninterest income to average assets | 0.7942% | 2,148 |
| Noninterest expense to average assets | 3.8195% | 1,332 |
| Loan and lease loss provision to assets | 1.3237% | 1,028 |
| Net operating income to assets | -0.6378% | 6,767 |
| Return on assets (ROA) | -0.6378% | 6,794 |
| Pretax return on assets | -0.6378% | 6,690 |
| Return on Equity (ROE) | -8.8294% | 6,922 |
| Retained earnings to average equity (ytd only) | -8.8294% | 6,856 |
| Net charge-offs to loans | 0.0251% | 5,984 |
| Credit loss provision to net charge-offs | 6,875.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 35.6250% | 804 |
| Efficiency ratio | 84.7756% | 1,837 |
| Assets per employee ($millions) | 2.1880% | 7,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5797% | 3,539 |
| Loan loss allowance to noncurrent loans | 42.0143% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 3.5313% | 1,986 |
| Noncurrent loans to loans | 3.7598% | 2,064 |
| Net loans and leases to total assets | 74.7122% | 1,763 |
| Net loans and leases to deposits | 81.4801% | 3,344 |
| Net loans and leases to core deposits | 84.0227% | 4,139 |
| Total domestic deposits to total assets | 91.6938% | 292 |
| Equity capital to assets | 6.9940% | 7,352 |
| Core capital (leverage) ratio | 6.9129% | 7,235 |
| Tier 1 risk-based capital ratio | 9.4471% | 7,281 |
| Total risk-based capital ratio | 10.7017% | 7,287 |
| Memoranda: | ||
| Average total assets | $83,099,670 | 5,592 |
| Average earning assets | $72,740,000 | 5,681 |
| Average equity | $6,002,670 | 6,463 |
| Average total loans | $63,655,670 | 5,027 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6531% | 1,948 |
| Cost of funding earning assets | 1.4807% | 3,690 |
| Net interest margin | 4.1724% | 2,142 |
| Noninterest income to average assets | 0.7270% | 2,423 |
| Noninterest expense to average assets | 3.8470% | 1,251 |
| Loan and lease loss provision to assets | 0.0963% | 5,670 |
| Net operating income to assets | 0.3756% | 4,948 |
| Return on assets (ROA) | 0.3756% | 5,075 |
| Pretax return on assets | 0.4333% | 5,185 |
| Return on Equity (ROE) | 5.1177% | 4,302 |
| Retained earnings to average equity (ytd only) | 5.1177% | 3,091 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8988% | 1,597 |
| Assets per employee ($millions) | 2.2209% | 7,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7394% | 7,273 |
| Loan loss allowance to noncurrent loans | 19.2152% | 7,051 |
| Noncurrent assets plus other real estate owned to assets | 3.6281% | 1,930 |
| Noncurrent loans to loans | 3.8478% | 2,062 |
| Net loans and leases to total assets | 75.5593% | 1,630 |
| Net loans and leases to deposits | 82.5906% | 3,177 |
| Net loans and leases to core deposits | 85.4102% | 3,977 |
| Total domestic deposits to total assets | 91.4866% | 376 |
| Equity capital to assets | 7.2729% | 7,231 |
| Core capital (leverage) ratio | 7.4005% | 6,933 |
| Tier 1 risk-based capital ratio | 9.8341% | 7,127 |
| Total risk-based capital ratio | 10.5910% | 7,375 |
| Memoranda: | ||
| Average total assets | $83,078,000 | 5,662 |
| Average earning assets | $72,667,500 | 5,754 |
| Average equity | $6,096,500 | 6,488 |
| Average total loans | $63,926,000 | 5,087 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0329% | 1,742 |
| Cost of funding earning assets | 1.8452% | 3,764 |
| Net interest margin | 4.1877% | 2,115 |
| Noninterest income to average assets | 0.6135% | 3,524 |
| Noninterest expense to average assets | 3.8515% | 1,598 |
| Loan and lease loss provision to assets | 0.3345% | 4,802 |
| Net operating income to assets | 0.1159% | 5,163 |
| Return on assets (ROA) | 0.2717% | 4,723 |
| Pretax return on assets | 0.2802% | 4,818 |
| Return on Equity (ROE) | 3.7295% | 4,192 |
| Retained earnings to average equity (ytd only) | -0.3647% | 5,052 |
| Net charge-offs to loans | 0.3968% | 4,234 |
| Credit loss provision to net charge-offs | 114.4628% | 4,783 |
| Earnings coverage of net charge-offs (x) | 1.5537% | 4,581 |
| Efficiency ratio | 89.4530% | 1,753 |
| Assets per employee ($millions) | 2.0964% | 7,661 |
| Cash dividends to net income (ytd only)* | 109.7778% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7153% | 7,342 |
| Loan loss allowance to noncurrent loans | 18.7243% | 7,117 |
| Noncurrent assets plus other real estate owned to assets | 3.6937% | 1,805 |
| Noncurrent loans to loans | 3.8203% | 1,953 |
| Net loans and leases to total assets | 77.2419% | 1,536 |
| Net loans and leases to deposits | 84.5863% | 3,164 |
| Net loans and leases to core deposits | 101.0464% | 3,897 |
| Total domestic deposits to total assets | 91.3173% | 427 |
| Equity capital to assets | 7.4058% | 7,116 |
| Core capital (leverage) ratio | 7.2637% | 7,018 |
| Tier 1 risk-based capital ratio | 9.8190% | 7,007 |
| Total risk-based capital ratio | 10.5523% | 7,321 |
| Memoranda: | ||
| Average total assets | $82,798,600 | 5,639 |
| Average earning assets | $72,999,800 | 5,721 |
| Average equity | $6,033,000 | 6,592 |
| Average total loans | $60,992,400 | 5,210 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0447% | 1,861 |
| Cost of funding earning assets | 1.9121% | 3,814 |
| Net interest margin | 4.1326% | 2,279 |
| Noninterest income to average assets | 0.4992% | 4,487 |
| Noninterest expense to average assets | 3.7226% | 1,767 |
| Loan and lease loss provision to assets | 0.2681% | 4,818 |
| Net operating income to assets | 0.1632% | 5,277 |
| Return on assets (ROA) | 0.2954% | 4,913 |
| Pretax return on assets | 0.3002% | 5,063 |
| Return on Equity (ROE) | 4.0702% | 4,347 |
| Retained earnings to average equity (ytd only) | -1.3936% | 5,583 |
| Net charge-offs to loans | 0.2939% | 4,188 |
| Credit loss provision to net charge-offs | 125.5639% | 4,008 |
| Earnings coverage of net charge-offs (x) | 2.0301% | 4,298 |
| Efficiency ratio | 89.5713% | 1,730 |
| Assets per employee ($millions) | 2.1887% | 7,623 |
| Cash dividends to net income (ytd only)* | 134.2396% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7187% | 7,326 |
| Loan loss allowance to noncurrent loans | 19.7134% | 7,110 |
| Noncurrent assets plus other real estate owned to assets | 3.1935% | 2,124 |
| Noncurrent loans to loans | 3.6457% | 2,054 |
| Net loans and leases to total assets | 73.4735% | 2,669 |
| Net loans and leases to deposits | 80.4064% | 4,321 |
| Net loans and leases to core deposits | 95.5338% | 4,863 |
| Total domestic deposits to total assets | 91.3777% | 285 |
| Equity capital to assets | 7.3184% | 7,416 |
| Core capital (leverage) ratio | 7.2779% | 7,205 |
| Tier 1 risk-based capital ratio | 9.9831% | 7,001 |
| Total risk-based capital ratio | 10.7198% | 7,357 |
| Memoranda: | ||
| Average total assets | $83,058,250 | 5,656 |
| Average earning assets | $73,494,750 | 5,736 |
| Average equity | $6,027,500 | 6,653 |
| Average total loans | $60,338,500 | 5,271 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1296% | 1,691 |
| Cost of funding earning assets | 2.0038% | 3,759 |
| Net interest margin | 4.1259% | 2,238 |
| Noninterest income to average assets | 0.3427% | 5,769 |
| Noninterest expense to average assets | 3.6480% | 1,951 |
| Loan and lease loss provision to assets | 0.3451% | 3,858 |
| Net operating income to assets | -0.0064% | 5,855 |
| Return on assets (ROA) | 0.1896% | 5,381 |
| Pretax return on assets | 0.1969% | 5,473 |
| Return on Equity (ROE) | 2.6199% | 5,048 |
| Retained earnings to average equity (ytd only) | -5.6765% | 6,403 |
| Net charge-offs to loans | 0.3940% | 3,230 |
| Credit loss provision to net charge-offs | 121.3675% | 3,823 |
| Earnings coverage of net charge-offs (x) | 1.1880% | 4,639 |
| Efficiency ratio | 91.5244% | 1,679 |
| Assets per employee ($millions) | 2.1555% | 7,720 |
| Cash dividends to net income (ytd only)* | 316.6667% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7151% | 7,384 |
| Loan loss allowance to noncurrent loans | 17.1550% | 7,275 |
| Noncurrent assets plus other real estate owned to assets | 3.6805% | 1,674 |
| Noncurrent loans to loans | 4.1687% | 1,595 |
| Net loans and leases to total assets | 73.4916% | 2,844 |
| Net loans and leases to deposits | 80.2359% | 4,510 |
| Net loans and leases to core deposits | 95.7978% | 4,926 |
| Total domestic deposits to total assets | 91.5945% | 297 |
| Equity capital to assets | 7.1136% | 7,546 |
| Core capital (leverage) ratio | 7.1699% | 7,388 |
| Tier 1 risk-based capital ratio | 9.8360% | 7,095 |
| Total risk-based capital ratio | 10.5600% | 7,515 |
| Memoranda: | ||
| Average total assets | $82,291,000 | 5,724 |
| Average earning assets | $72,663,670 | 5,801 |
| Average equity | $5,954,330 | 6,736 |
| Average total loans | $59,394,330 | 5,359 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3749% | 1,121 |
| Cost of funding earning assets | 2.0786% | 3,744 |
| Net interest margin | 4.2962% | 1,616 |
| Noninterest income to average assets | 0.7027% | 2,872 |
| Noninterest expense to average assets | 3.8475% | 1,389 |
| Loan and lease loss provision to assets | 0.4275% | 2,785 |
| Net operating income to assets | 0.2260% | 5,574 |
| Return on assets (ROA) | 0.2260% | 5,733 |
| Pretax return on assets | 0.2260% | 5,881 |
| Return on Equity (ROE) | 3.0969% | 5,329 |
| Retained earnings to average equity (ytd only) | -13.5319% | 7,354 |
| Net charge-offs to loans | 0.6416% | 1,896 |
| Credit loss provision to net charge-offs | 93.5484% | 3,932 |
| Earnings coverage of net charge-offs (x) | 1.4301% | 4,020 |
| Efficiency ratio | 85.4803% | 2,132 |
| Assets per employee ($millions) | 2.2386% | 7,665 |
| Cash dividends to net income (ytd only)* | 536.9565% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7001% | 7,440 |
| Loan loss allowance to noncurrent loans | 17.0511% | 7,309 |
| Noncurrent assets plus other real estate owned to assets | 3.6582% | 1,447 |
| Noncurrent loans to loans | 4.1059% | 1,457 |
| Net loans and leases to total assets | 70.8939% | 3,493 |
| Net loans and leases to deposits | 77.4170% | 5,021 |
| Net loans and leases to core deposits | 91.8936% | 5,352 |
| Total domestic deposits to total assets | 91.5741% | 258 |
| Equity capital to assets | 7.1111% | 7,617 |
| Core capital (leverage) ratio | 7.2540% | 7,422 |
| Tier 1 risk-based capital ratio | 10.1058% | 6,806 |
| Total risk-based capital ratio | 10.8131% | 7,314 |
| Memoranda: | ||
| Average total assets | $81,404,500 | 5,775 |
| Average earning assets | $71,970,000 | 5,846 |
| Average equity | $5,941,500 | 6,790 |
| Average total loans | $57,979,000 | 5,454 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1554% | 806 |
| Cost of funding earning assets | 2.5899% | 3,726 |
| Net interest margin | 4.5655% | 1,271 |
| Noninterest income to average assets | 0.8284% | 2,362 |
| Noninterest expense to average assets | 3.8944% | 1,568 |
| Loan and lease loss provision to assets | 0.1412% | 5,547 |
| Net operating income to assets | 0.5718% | 4,433 |
| Return on assets (ROA) | 0.6117% | 4,117 |
| Pretax return on assets | 0.8123% | 4,024 |
| Return on Equity (ROE) | 8.5898% | 2,796 |
| Retained earnings to average equity (ytd only) | 2.3648% | 3,729 |
| Net charge-offs to loans | 0.1860% | 4,337 |
| Credit loss provision to net charge-offs | 114.0000% | 4,736 |
| Earnings coverage of net charge-offs (x) | 7.2700% | 3,149 |
| Efficiency ratio | 81.2242% | 2,408 |
| Assets per employee ($millions) | 2.2217% | 7,672 |
| Cash dividends to net income (ytd only)* | 72.4696% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7391% | 7,332 |
| Loan loss allowance to noncurrent loans | 40.7371% | 6,006 |
| Noncurrent assets plus other real estate owned to assets | 2.0405% | 2,412 |
| Noncurrent loans to loans | 1.8144% | 3,041 |
| Net loans and leases to total assets | 70.5217% | 3,901 |
| Net loans and leases to deposits | 77.4493% | 5,413 |
| Net loans and leases to core deposits | 93.6166% | 5,479 |
| Total domestic deposits to total assets | 91.0554% | 312 |
| Equity capital to assets | 7.4930% | 7,384 |
| Core capital (leverage) ratio | 7.4560% | 7,255 |
| Tier 1 risk-based capital ratio | 10.6414% | 6,060 |
| Total risk-based capital ratio | 11.3843% | 6,457 |
| Memoranda: | ||
| Average total assets | $80,757,400 | 5,674 |
| Average earning assets | $70,156,600 | 5,812 |
| Average equity | $5,751,000 | 6,900 |
| Average total loans | $53,769,800 | 5,537 |