Home > First Farmers Bank and Trust Company > Performance and Condition Ratios
First Farmers Bank and Trust Company, Performance and Condition Ratios
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8393% | 820 |
| Cost of funding earning assets | 0.3877% | 3,124 |
| Net interest margin | 4.4516% | 680 |
| Noninterest income to average assets | 0.7361% | 2,013 |
| Noninterest expense to average assets | 2.9357% | 2,544 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2288% | 1,412 |
| Return on assets (ROA) | 1.2675% | 1,380 |
| Pretax return on assets | 1.8932% | 634 |
| Return on Equity (ROE) | 8.5683% | 2,628 |
| Retained earnings to average equity (ytd only) | 8.5683% | 676 |
| Net charge-offs to loans | 0.0475% | 3,089 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 51.4762% | 993 |
| Efficiency ratio | 61.4591% | 4,347 |
| Assets per employee ($millions) | 3.9786% | 4,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 3,140 |
| Loan loss allowance to noncurrent loans | 67.6749% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 1.5210% | 1,084 |
| Noncurrent loans to loans | 1.7700% | 1,077 |
| Net loans and leases to total assets | 71.8244% | 2,193 |
| Net loans and leases to deposits | 87.5598% | 1,982 |
| Net loans and leases to core deposits | 90.0896% | 2,494 |
| Total domestic deposits to total assets | 82.0289% | 4,070 |
| Equity capital to assets | 13.9707% | 897 |
| Core capital (leverage) ratio | 11.7770% | 1,736 |
| Tier 1 risk-based capital ratio | 13.3559% | 3,853 |
| Total risk-based capital ratio | 14.3842% | 3,904 |
| Memoranda: | ||
| Average total assets | $117,789,400 | 4,030 |
| Average earning assets | $106,770,600 | 4,063 |
| Average equity | $17,424,600 | 3,492 |
| Average total loans | $88,340,800 | 3,611 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8895% | 743 |
| Cost of funding earning assets | 0.3946% | 3,073 |
| Net interest margin | 4.4949% | 640 |
| Noninterest income to average assets | 0.7319% | 2,036 |
| Noninterest expense to average assets | 2.9632% | 2,422 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2318% | 1,510 |
| Return on assets (ROA) | 1.2840% | 1,450 |
| Pretax return on assets | 1.9174% | 680 |
| Return on Equity (ROE) | 8.5539% | 2,731 |
| Retained earnings to average equity (ytd only) | 8.5539% | 958 |
| Net charge-offs to loans | 0.0015% | 3,889 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 1,609.9850% | 38 |
| Efficiency ratio | 61.6027% | 4,295 |
| Assets per employee ($millions) | 3.6163% | 4,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2321% | 3,052 |
| Loan loss allowance to noncurrent loans | 51.0999% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 2.0706% | 746 |
| Noncurrent loans to loans | 2.4111% | 746 |
| Net loans and leases to total assets | 74.8992% | 1,724 |
| Net loans and leases to deposits | 92.9650% | 1,375 |
| Net loans and leases to core deposits | 95.5376% | 2,047 |
| Total domestic deposits to total assets | 80.5671% | 4,367 |
| Equity capital to assets | 15.1610% | 697 |
| Core capital (leverage) ratio | 12.8623% | 1,241 |
| Tier 1 risk-based capital ratio | 14.2754% | 3,416 |
| Total risk-based capital ratio | 15.3672% | 3,420 |
| Memoranda: | ||
| Average total assets | $116,402,500 | 4,080 |
| Average earning assets | $105,419,750 | 4,113 |
| Average equity | $17,473,000 | 3,515 |
| Average total loans | $88,011,000 | 3,627 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9198% | 691 |
| Cost of funding earning assets | 0.4042% | 2,989 |
| Net interest margin | 4.5155% | 597 |
| Noninterest income to average assets | 0.6325% | 2,451 |
| Noninterest expense to average assets | 2.9838% | 2,398 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1617% | 1,729 |
| Return on assets (ROA) | 1.2406% | 1,565 |
| Pretax return on assets | 1.8506% | 787 |
| Return on Equity (ROE) | 8.2936% | 2,834 |
| Retained earnings to average equity (ytd only) | 8.2936% | 1,072 |
| Net charge-offs to loans | 0.0023% | 3,629 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1,000.0000% | 46 |
| Efficiency ratio | 63.1521% | 4,161 |
| Assets per employee ($millions) | 3.2906% | 5,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2776% | 2,909 |
| Loan loss allowance to noncurrent loans | 56.9168% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 2.1326% | 736 |
| Noncurrent loans to loans | 2.2447% | 825 |
| Net loans and leases to total assets | 77.0061% | 1,337 |
| Net loans and leases to deposits | 96.1917% | 1,061 |
| Net loans and leases to core deposits | 99.0447% | 1,718 |
| Total domestic deposits to total assets | 80.0549% | 4,525 |
| Equity capital to assets | 15.8104% | 577 |
| Core capital (leverage) ratio | 12.6201% | 1,295 |
| Tier 1 risk-based capital ratio | 14.7973% | 3,157 |
| Total risk-based capital ratio | 15.9614% | 3,150 |
| Memoranda: | ||
| Average total assets | $115,423,670 | 4,131 |
| Average earning assets | $104,395,000 | 4,165 |
| Average equity | $17,266,330 | 3,549 |
| Average total loans | $87,181,670 | 3,663 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8502% | 766 |
| Cost of funding earning assets | 0.4073% | 2,993 |
| Net interest margin | 4.4429% | 678 |
| Noninterest income to average assets | 0.5632% | 2,725 |
| Noninterest expense to average assets | 2.9387% | 2,576 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1056% | 1,876 |
| Return on assets (ROA) | 1.1605% | 1,784 |
| Pretax return on assets | 1.7270% | 999 |
| Return on Equity (ROE) | 7.9742% | 2,927 |
| Retained earnings to average equity (ytd only) | 7.9742% | 1,463 |
| Net charge-offs to loans | 0.0046% | 2,963 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 482.0000% | 116 |
| Efficiency ratio | 63.9613% | 4,130 |
| Assets per employee ($millions) | 3.4136% | 4,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2798% | 3,007 |
| Loan loss allowance to noncurrent loans | 67.8441% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 1.8723% | 969 |
| Noncurrent loans to loans | 1.8863% | 1,172 |
| Net loans and leases to total assets | 74.0406% | 1,721 |
| Net loans and leases to deposits | 91.8843% | 1,362 |
| Net loans and leases to core deposits | 94.4911% | 1,939 |
| Total domestic deposits to total assets | 80.5802% | 4,613 |
| Equity capital to assets | 14.8653% | 724 |
| Core capital (leverage) ratio | 12.1091% | 1,542 |
| Tier 1 risk-based capital ratio | 15.8863% | 2,745 |
| Total risk-based capital ratio | 17.1358% | 2,671 |
| Memoranda: | ||
| Average total assets | $117,194,500 | 4,138 |
| Average earning assets | $106,057,000 | 4,160 |
| Average equity | $17,055,000 | 3,577 |
| Average total loans | $87,137,000 | 3,676 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9283% | 722 |
| Cost of funding earning assets | 0.4087% | 3,063 |
| Net interest margin | 4.5197% | 633 |
| Noninterest income to average assets | 0.8174% | 1,718 |
| Noninterest expense to average assets | 3.0373% | 2,426 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2599% | 1,368 |
| Return on assets (ROA) | 1.2910% | 1,336 |
| Pretax return on assets | 1.9199% | 641 |
| Return on Equity (ROE) | 8.6955% | 2,630 |
| Retained earnings to average equity (ytd only) | 2.7882% | 4,089 |
| Net charge-offs to loans | 0.0292% | 3,634 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 85.4400% | 661 |
| Efficiency ratio | 61.7074% | 4,653 |
| Assets per employee ($millions) | 3.4802% | 4,861 |
| Cash dividends to net income (ytd only)* | 67.9348% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 3,021 |
| Loan loss allowance to noncurrent loans | 63.4604% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 1.8990% | 961 |
| Noncurrent loans to loans | 2.0143% | 1,029 |
| Net loans and leases to total assets | 72.7746% | 1,926 |
| Net loans and leases to deposits | 89.7580% | 1,640 |
| Net loans and leases to core deposits | 92.4861% | 2,176 |
| Total domestic deposits to total assets | 81.0787% | 4,459 |
| Equity capital to assets | 14.2461% | 856 |
| Core capital (leverage) ratio | 11.8097% | 1,754 |
| Tier 1 risk-based capital ratio | 13.6588% | 3,908 |
| Total risk-based capital ratio | 14.7909% | 3,915 |
| Memoranda: | ||
| Average total assets | $114,016,600 | 4,176 |
| Average earning assets | $103,259,800 | 4,204 |
| Average equity | $16,928,200 | 3,537 |
| Average total loans | $85,515,800 | 3,685 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9315% | 717 |
| Cost of funding earning assets | 0.4135% | 3,080 |
| Net interest margin | 4.5181% | 622 |
| Noninterest income to average assets | 0.8406% | 1,651 |
| Noninterest expense to average assets | 3.0045% | 2,511 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2945% | 1,355 |
| Return on assets (ROA) | 1.3364% | 1,299 |
| Pretax return on assets | 1.9880% | 609 |
| Return on Equity (ROE) | 8.9065% | 2,626 |
| Retained earnings to average equity (ytd only) | 8.9065% | 941 |
| Net charge-offs to loans | 0.0063% | 3,957 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 407.9944% | 186 |
| Efficiency ratio | 60.7998% | 4,777 |
| Assets per employee ($millions) | 3.3616% | 5,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 3,079 |
| Loan loss allowance to noncurrent loans | 55.3876% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 2.2906% | 804 |
| Noncurrent loans to loans | 2.3513% | 890 |
| Net loans and leases to total assets | 75.3248% | 1,491 |
| Net loans and leases to deposits | 94.5006% | 1,137 |
| Net loans and leases to core deposits | 97.5392% | 1,744 |
| Total domestic deposits to total assets | 79.7083% | 4,804 |
| Equity capital to assets | 15.3483% | 672 |
| Core capital (leverage) ratio | 12.7526% | 1,298 |
| Tier 1 risk-based capital ratio | 13.6839% | 4,035 |
| Total risk-based capital ratio | 14.7836% | 4,051 |
| Memoranda: | ||
| Average total assets | $112,939,000 | 4,246 |
| Average earning assets | $102,223,750 | 4,273 |
| Average equity | $16,946,000 | 3,564 |
| Average total loans | $85,088,000 | 3,729 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8937% | 741 |
| Cost of funding earning assets | 0.4106% | 3,153 |
| Net interest margin | 4.4831% | 662 |
| Noninterest income to average assets | 0.7574% | 1,967 |
| Noninterest expense to average assets | 3.0243% | 2,483 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2046% | 1,588 |
| Return on assets (ROA) | 1.2677% | 1,467 |
| Pretax return on assets | 1.8847% | 756 |
| Return on Equity (ROE) | 8.5148% | 2,791 |
| Retained earnings to average equity (ytd only) | 8.5148% | 1,071 |
| Net charge-offs to loans | 0.0261% | 3,162 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 91.5455% | 638 |
| Efficiency ratio | 62.6292% | 4,570 |
| Assets per employee ($millions) | 3.3804% | 5,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 3,243 |
| Loan loss allowance to noncurrent loans | 58.3376% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 2.2142% | 939 |
| Noncurrent loans to loans | 2.2280% | 1,073 |
| Net loans and leases to total assets | 76.9215% | 1,234 |
| Net loans and leases to deposits | 96.2945% | 938 |
| Net loans and leases to core deposits | 99.4518% | 1,540 |
| Total domestic deposits to total assets | 79.8815% | 4,896 |
| Equity capital to assets | 15.2948% | 649 |
| Core capital (leverage) ratio | 12.3924% | 1,437 |
| Tier 1 risk-based capital ratio | 13.1295% | 4,438 |
| Total risk-based capital ratio | 14.2190% | 4,450 |
| Memoranda: | ||
| Average total assets | $112,487,670 | 4,286 |
| Average earning assets | $101,804,670 | 4,321 |
| Average equity | $16,747,330 | 3,602 |
| Average total loans | $84,375,000 | 3,772 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8080% | 851 |
| Cost of funding earning assets | 0.4225% | 3,039 |
| Net interest margin | 4.3855% | 759 |
| Noninterest income to average assets | 0.7366% | 1,984 |
| Noninterest expense to average assets | 2.9994% | 2,583 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1509% | 1,698 |
| Return on assets (ROA) | 1.1509% | 1,802 |
| Pretax return on assets | 1.7069% | 1,036 |
| Return on Equity (ROE) | 7.8360% | 3,050 |
| Retained earnings to average equity (ytd only) | 7.8360% | 1,634 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5816% | 4,542 |
| Assets per employee ($millions) | 3.3924% | 5,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 2,954 |
| Loan loss allowance to noncurrent loans | 51.2590% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 2.4413% | 888 |
| Noncurrent loans to loans | 2.7144% | 865 |
| Net loans and leases to total assets | 72.1686% | 1,778 |
| Net loans and leases to deposits | 88.1855% | 1,594 |
| Net loans and leases to core deposits | 90.9943% | 2,035 |
| Total domestic deposits to total assets | 81.8373% | 4,557 |
| Equity capital to assets | 14.9791% | 722 |
| Core capital (leverage) ratio | 11.8620% | 1,728 |
| Tier 1 risk-based capital ratio | 13.1592% | 4,523 |
| Total risk-based capital ratio | 14.2873% | 4,496 |
| Memoranda: | ||
| Average total assets | $112,954,500 | 4,314 |
| Average earning assets | $102,245,500 | 4,340 |
| Average equity | $16,590,000 | 3,652 |
| Average total loans | $83,093,000 | 3,817 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0678% | 677 |
| Cost of funding earning assets | 0.5099% | 2,574 |
| Net interest margin | 4.5579% | 670 |
| Noninterest income to average assets | 0.8306% | 1,749 |
| Noninterest expense to average assets | 3.0065% | 2,822 |
| Loan and lease loss provision to assets | 0.1074% | 2,362 |
| Net operating income to assets | 1.2300% | 1,496 |
| Return on assets (ROA) | 1.2495% | 1,498 |
| Pretax return on assets | 1.8501% | 714 |
| Return on Equity (ROE) | 8.5020% | 2,835 |
| Retained earnings to average equity (ytd only) | 2.4118% | 4,514 |
| Net charge-offs to loans | 0.0469% | 3,889 |
| Credit loss provision to net charge-offs | 307.6923% | 845 |
| Earnings coverage of net charge-offs (x) | 55.2564% | 850 |
| Efficiency ratio | 60.7182% | 5,110 |
| Assets per employee ($millions) | 3.4533% | 4,974 |
| Cash dividends to net income (ytd only)* | 71.6332% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 3,161 |
| Loan loss allowance to noncurrent loans | 51.5604% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 2.4895% | 927 |
| Noncurrent loans to loans | 2.6242% | 945 |
| Net loans and leases to total assets | 72.9326% | 1,768 |
| Net loans and leases to deposits | 88.8625% | 1,630 |
| Net loans and leases to core deposits | 92.8503% | 2,007 |
| Total domestic deposits to total assets | 82.0735% | 4,394 |
| Equity capital to assets | 14.4007% | 840 |
| Core capital (leverage) ratio | 11.7977% | 1,765 |
| Tier 1 risk-based capital ratio | 16.1615% | 2,883 |
| Total risk-based capital ratio | 17.4136% | 2,828 |
| Memoranda: | ||
| Average total assets | $111,724,200 | 4,354 |
| Average earning assets | $100,616,200 | 4,377 |
| Average equity | $16,419,600 | 3,615 |
| Average total loans | $83,178,800 | 3,791 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0884% | 661 |
| Cost of funding earning assets | 0.5251% | 2,516 |
| Net interest margin | 4.5633% | 664 |
| Noninterest income to average assets | 0.8408% | 1,742 |
| Noninterest expense to average assets | 2.9457% | 2,973 |
| Loan and lease loss provision to assets | 0.1439% | 1,741 |
| Net operating income to assets | 1.2540% | 1,514 |
| Return on assets (ROA) | 1.2797% | 1,488 |
| Pretax return on assets | 1.8962% | 723 |
| Return on Equity (ROE) | 8.6631% | 2,865 |
| Retained earnings to average equity (ytd only) | 8.6631% | 1,113 |
| Net charge-offs to loans | 0.0917% | 2,903 |
| Credit loss provision to net charge-offs | 210.5263% | 1,223 |
| Earnings coverage of net charge-offs (x) | 29.2800% | 1,391 |
| Efficiency ratio | 59.3212% | 5,275 |
| Assets per employee ($millions) | 3.1797% | 5,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3401% | 3,447 |
| Loan loss allowance to noncurrent loans | 55.7377% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 2.4947% | 1,059 |
| Noncurrent loans to loans | 2.4042% | 1,238 |
| Net loans and leases to total assets | 76.4090% | 1,170 |
| Net loans and leases to deposits | 93.9173% | 1,049 |
| Net loans and leases to core deposits | 97.5266% | 1,551 |
| Total domestic deposits to total assets | 81.3577% | 4,712 |
| Equity capital to assets | 15.7184% | 601 |
| Core capital (leverage) ratio | 12.7903% | 1,267 |
| Tier 1 risk-based capital ratio | 17.5267% | 2,387 |
| Total risk-based capital ratio | 18.7794% | 2,344 |
| Memoranda: | ||
| Average total assets | $111,165,250 | 4,400 |
| Average earning assets | $100,043,000 | 4,435 |
| Average equity | $16,421,750 | 3,627 |
| Average total loans | $82,910,000 | 3,822 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0730% | 653 |
| Cost of funding earning assets | 0.5326% | 2,513 |
| Net interest margin | 4.5404% | 651 |
| Noninterest income to average assets | 0.8397% | 1,704 |
| Noninterest expense to average assets | 2.9202% | 3,098 |
| Loan and lease loss provision to assets | 0.1605% | 1,547 |
| Net operating income to assets | 1.2472% | 1,453 |
| Return on assets (ROA) | 1.2872% | 1,402 |
| Pretax return on assets | 1.9058% | 677 |
| Return on Equity (ROE) | 8.8964% | 2,639 |
| Retained earnings to average equity (ytd only) | 8.8964% | 1,025 |
| Net charge-offs to loans | 0.0024% | 4,306 |
| Credit loss provision to net charge-offs | 9,000.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 1,126.0000% | 53 |
| Efficiency ratio | 59.0449% | 5,424 |
| Assets per employee ($millions) | 3.2568% | 5,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4057% | 3,323 |
| Loan loss allowance to noncurrent loans | 81.5920% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 1.9270% | 1,677 |
| Noncurrent loans to loans | 1.7228% | 2,003 |
| Net loans and leases to total assets | 74.9207% | 1,318 |
| Net loans and leases to deposits | 91.9200% | 1,160 |
| Net loans and leases to core deposits | 96.6105% | 1,555 |
| Total domestic deposits to total assets | 81.5064% | 4,812 |
| Equity capital to assets | 15.4938% | 615 |
| Core capital (leverage) ratio | 12.2258% | 1,538 |
| Tier 1 risk-based capital ratio | 17.4780% | 2,423 |
| Total risk-based capital ratio | 18.7311% | 2,397 |
| Memoranda: | ||
| Average total assets | $112,184,000 | 4,408 |
| Average earning assets | $101,005,330 | 4,441 |
| Average equity | $16,231,330 | 3,656 |
| Average total loans | $82,637,670 | 3,842 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9416% | 800 |
| Cost of funding earning assets | 0.5340% | 2,564 |
| Net interest margin | 4.4076% | 793 |
| Noninterest income to average assets | 0.7683% | 1,878 |
| Noninterest expense to average assets | 2.8357% | 3,436 |
| Loan and lease loss provision to assets | 0.1572% | 1,547 |
| Net operating income to assets | 1.1835% | 1,532 |
| Return on assets (ROA) | 1.2607% | 1,375 |
| Pretax return on assets | 1.8684% | 699 |
| Return on Equity (ROE) | 9.0132% | 2,457 |
| Retained earnings to average equity (ytd only) | 9.0132% | 1,249 |
| Net charge-offs to loans | -0.0048% | 4,811 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5291% | 5,465 |
| Assets per employee ($millions) | 3.5425% | 4,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 3,886 |
| Loan loss allowance to noncurrent loans | 466.2447% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.8563% | 3,589 |
| Noncurrent loans to loans | 0.2882% | 5,251 |
| Net loans and leases to total assets | 69.4074% | 1,992 |
| Net loans and leases to deposits | 83.9503% | 1,823 |
| Net loans and leases to core deposits | 87.8117% | 2,114 |
| Total domestic deposits to total assets | 82.6768% | 4,725 |
| Equity capital to assets | 13.8613% | 964 |
| Core capital (leverage) ratio | 11.5124% | 1,958 |
| Tier 1 risk-based capital ratio | 16.3437% | 2,980 |
| Total risk-based capital ratio | 17.5952% | 2,945 |
| Memoranda: | ||
| Average total assets | $114,538,500 | 4,402 |
| Average earning assets | $103,367,500 | 4,414 |
| Average equity | $16,021,000 | 3,692 |
| Average total loans | $83,122,000 | 3,856 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2958% | 532 |
| Cost of funding earning assets | 0.6720% | 2,024 |
| Net interest margin | 4.6238% | 580 |
| Noninterest income to average assets | 0.8099% | 2,029 |
| Noninterest expense to average assets | 3.0868% | 2,773 |
| Loan and lease loss provision to assets | 0.3179% | 1,040 |
| Net operating income to assets | 1.0361% | 2,178 |
| Return on assets (ROA) | 1.1358% | 1,876 |
| Pretax return on assets | 1.6781% | 988 |
| Return on Equity (ROE) | 7.8967% | 3,080 |
| Retained earnings to average equity (ytd only) | -4.3843% | 6,335 |
| Net charge-offs to loans | 0.4405% | 1,511 |
| Credit loss provision to net charge-offs | 96.7742% | 2,580 |
| Earnings coverage of net charge-offs (x) | 5.6290% | 3,254 |
| Efficiency ratio | 62.2473% | 5,170 |
| Assets per employee ($millions) | 3.3993% | 5,091 |
| Cash dividends to net income (ytd only)* | 155.5210% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 4,338 |
| Loan loss allowance to noncurrent loans | 309.6491% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 1.3835% | 2,674 |
| Noncurrent loans to loans | 0.4071% | 4,990 |
| Net loans and leases to total assets | 73.9392% | 1,359 |
| Net loans and leases to deposits | 89.5296% | 1,278 |
| Net loans and leases to core deposits | 94.7172% | 1,546 |
| Total domestic deposits to total assets | 82.5863% | 4,684 |
| Equity capital to assets | 14.1189% | 872 |
| Core capital (leverage) ratio | 11.3635% | 2,065 |
| Tier 1 risk-based capital ratio | 15.5826% | 3,320 |
| Total risk-based capital ratio | 16.8339% | 3,275 |
| Memoranda: | ||
| Average total assets | $113,225,600 | 4,427 |
| Average earning assets | $101,041,600 | 4,480 |
| Average equity | $16,285,200 | 3,656 |
| Average total loans | $84,451,000 | 3,811 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2941% | 535 |
| Cost of funding earning assets | 0.6977% | 1,970 |
| Net interest margin | 4.5964% | 621 |
| Noninterest income to average assets | 0.7531% | 2,356 |
| Noninterest expense to average assets | 3.0522% | 2,815 |
| Loan and lease loss provision to assets | 0.3172% | 1,065 |
| Net operating income to assets | 0.9999% | 2,377 |
| Return on assets (ROA) | 1.1325% | 1,946 |
| Pretax return on assets | 1.6730% | 1,160 |
| Return on Equity (ROE) | 7.8386% | 3,206 |
| Retained earnings to average equity (ytd only) | -0.2927% | 6,001 |
| Net charge-offs to loans | 0.4888% | 1,315 |
| Credit loss provision to net charge-offs | 87.0968% | 2,690 |
| Earnings coverage of net charge-offs (x) | 4.9291% | 3,319 |
| Efficiency ratio | 62.6515% | 5,040 |
| Assets per employee ($millions) | 3.1943% | 5,505 |
| Cash dividends to net income (ytd only)* | 103.7345% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2237% | 4,770 |
| Loan loss allowance to noncurrent loans | 142.3448% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 1.9043% | 2,131 |
| Noncurrent loans to loans | 0.8596% | 4,101 |
| Net loans and leases to total assets | 74.5119% | 1,212 |
| Net loans and leases to deposits | 91.6044% | 1,011 |
| Net loans and leases to core deposits | 99.9556% | 1,117 |
| Total domestic deposits to total assets | 81.3410% | 5,121 |
| Equity capital to assets | 14.7557% | 763 |
| Core capital (leverage) ratio | 12.2839% | 1,528 |
| Tier 1 risk-based capital ratio | 16.5155% | 2,925 |
| Total risk-based capital ratio | 17.7555% | 2,897 |
| Memoranda: | ||
| Average total assets | $113,488,000 | 4,467 |
| Average earning assets | $101,090,750 | 4,524 |
| Average equity | $16,397,000 | 3,688 |
| Average total loans | $84,563,500 | 3,846 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2779% | 547 |
| Cost of funding earning assets | 0.7222% | 1,907 |
| Net interest margin | 4.5557% | 641 |
| Noninterest income to average assets | 0.7418% | 2,451 |
| Noninterest expense to average assets | 3.1618% | 2,472 |
| Loan and lease loss provision to assets | 0.3157% | 1,123 |
| Net operating income to assets | 0.8963% | 2,818 |
| Return on assets (ROA) | 1.0943% | 2,062 |
| Pretax return on assets | 1.6151% | 1,321 |
| Return on Equity (ROE) | 7.6267% | 3,274 |
| Retained earnings to average equity (ytd only) | -4.5955% | 6,432 |
| Net charge-offs to loans | 0.6734% | 976 |
| Credit loss provision to net charge-offs | 63.1579% | 2,961 |
| Earnings coverage of net charge-offs (x) | 3.2807% | 3,438 |
| Efficiency ratio | 65.5223% | 4,628 |
| Assets per employee ($millions) | 3.2234% | 5,426 |
| Cash dividends to net income (ytd only)* | 160.2564% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 5,283 |
| Loan loss allowance to noncurrent loans | 191.6667% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 1.9426% | 2,232 |
| Noncurrent loans to loans | 0.5940% | 4,771 |
| Net loans and leases to total assets | 76.5407% | 920 |
| Net loans and leases to deposits | 94.5545% | 772 |
| Net loans and leases to core deposits | 102.7713% | 900 |
| Total domestic deposits to total assets | 80.9488% | 5,352 |
| Equity capital to assets | 14.7946% | 760 |
| Core capital (leverage) ratio | 11.8678% | 1,693 |
| Tier 1 risk-based capital ratio | 16.1965% | 3,089 |
| Total risk-based capital ratio | 17.4098% | 3,059 |
| Memoranda: | ||
| Average total assets | $114,050,330 | 4,484 |
| Average earning assets | $101,631,000 | 4,527 |
| Average equity | $16,363,670 | 3,714 |
| Average total loans | $84,639,000 | 3,861 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1678% | 651 |
| Cost of funding earning assets | 0.7625% | 1,771 |
| Net interest margin | 4.4053% | 796 |
| Noninterest income to average assets | 0.4713% | 3,984 |
| Noninterest expense to average assets | 2.9825% | 3,043 |
| Loan and lease loss provision to assets | 0.3096% | 1,101 |
| Net operating income to assets | 0.7568% | 3,395 |
| Return on assets (ROA) | 0.9907% | 2,385 |
| Pretax return on assets | 1.4586% | 1,689 |
| Return on Equity (ROE) | 7.0079% | 3,484 |
| Retained earnings to average equity (ytd only) | -17.3252% | 6,799 |
| Net charge-offs to loans | 1.2350% | 466 |
| Credit loss provision to net charge-offs | 34.4828% | 2,819 |
| Earnings coverage of net charge-offs (x) | 1.5862% | 3,303 |
| Efficiency ratio | 67.2912% | 4,447 |
| Assets per employee ($millions) | 3.4152% | 5,171 |
| Cash dividends to net income (ytd only)* | 347.2222% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 5,696 |
| Loan loss allowance to noncurrent loans | 125.8380% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 1.7371% | 2,685 |
| Noncurrent loans to loans | 0.8543% | 4,409 |
| Net loans and leases to total assets | 71.4010% | 1,451 |
| Net loans and leases to deposits | 88.2986% | 1,117 |
| Net loans and leases to core deposits | 95.5095% | 1,229 |
| Total domestic deposits to total assets | 80.8631% | 5,537 |
| Equity capital to assets | 13.8043% | 1,089 |
| Core capital (leverage) ratio | 11.1311% | 2,151 |
| Tier 1 risk-based capital ratio | 15.5949% | 3,474 |
| Total risk-based capital ratio | 16.7141% | 3,506 |
| Memoranda: | ||
| Average total assets | $116,278,500 | 4,477 |
| Average earning assets | $103,874,000 | 4,521 |
| Average equity | $16,438,500 | 3,747 |
| Average total loans | $84,533,500 | 3,883 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6087% | 497 |
| Cost of funding earning assets | 0.9644% | 1,557 |
| Net interest margin | 4.6442% | 724 |
| Noninterest income to average assets | 0.6474% | 3,005 |
| Noninterest expense to average assets | 2.7880% | 4,068 |
| Loan and lease loss provision to assets | 0.4160% | 1,541 |
| Net operating income to assets | 1.0642% | 2,070 |
| Return on assets (ROA) | 1.0642% | 2,260 |
| Pretax return on assets | 1.6042% | 1,375 |
| Return on Equity (ROE) | 7.5759% | 3,304 |
| Retained earnings to average equity (ytd only) | 7.5759% | 1,293 |
| Net charge-offs to loans | 0.2792% | 3,266 |
| Credit loss provision to net charge-offs | 193.5484% | 1,348 |
| Earnings coverage of net charge-offs (x) | 9.3992% | 2,268 |
| Efficiency ratio | 57.5342% | 5,892 |
| Assets per employee ($millions) | 3.3269% | 5,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 4,833 |
| Loan loss allowance to noncurrent loans | 100.8467% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 1.8765% | 2,605 |
| Noncurrent loans to loans | 1.2468% | 3,756 |
| Net loans and leases to total assets | 72.2993% | 1,444 |
| Net loans and leases to deposits | 91.7209% | 936 |
| Net loans and leases to core deposits | 100.3038% | 1,007 |
| Total domestic deposits to total assets | 78.8253% | 5,927 |
| Equity capital to assets | 14.4691% | 885 |
| Core capital (leverage) ratio | 11.9694% | 1,581 |
| Tier 1 risk-based capital ratio | 16.5049% | 2,888 |
| Total risk-based capital ratio | 17.7556% | 2,862 |
| Memoranda: | ||
| Average total assets | $115,388,200 | 4,455 |
| Average earning assets | $103,375,800 | 4,504 |
| Average equity | $16,209,200 | 3,749 |
| Average total loans | $88,827,400 | 3,776 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6721% | 489 |
| Cost of funding earning assets | 1.0048% | 1,525 |
| Net interest margin | 4.6673% | 716 |
| Noninterest income to average assets | 0.6555% | 2,966 |
| Noninterest expense to average assets | 2.7691% | 4,094 |
| Loan and lease loss provision to assets | 0.5559% | 1,034 |
| Net operating income to assets | 1.0029% | 2,483 |
| Return on assets (ROA) | 1.0029% | 2,719 |
| Pretax return on assets | 1.5102% | 1,844 |
| Return on Equity (ROE) | 7.1942% | 3,700 |
| Retained earnings to average equity (ytd only) | 7.1942% | 2,012 |
| Net charge-offs to loans | 0.3225% | 2,836 |
| Credit loss provision to net charge-offs | 221.1982% | 1,255 |
| Earnings coverage of net charge-offs (x) | 8.2211% | 2,482 |
| Efficiency ratio | 56.7904% | 5,945 |
| Assets per employee ($millions) | 3.4169% | 5,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 5,072 |
| Loan loss allowance to noncurrent loans | 100.5464% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 2.0673% | 2,567 |
| Noncurrent loans to loans | 1.2376% | 3,979 |
| Net loans and leases to total assets | 77.7025% | 765 |
| Net loans and leases to deposits | 99.3401% | 477 |
| Net loans and leases to core deposits | 109.0879% | 602 |
| Total domestic deposits to total assets | 78.2186% | 6,029 |
| Equity capital to assets | 14.6315% | 927 |
| Core capital (leverage) ratio | 11.5223% | 1,971 |
| Tier 1 risk-based capital ratio | 15.8126% | 3,368 |
| Total risk-based capital ratio | 17.0634% | 3,335 |
| Memoranda: | ||
| Average total assets | $115,125,000 | 4,503 |
| Average earning assets | $103,098,500 | 4,570 |
| Average equity | $16,049,500 | 3,808 |
| Average total loans | $89,719,750 | 3,800 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6278% | 550 |
| Cost of funding earning assets | 1.0386% | 1,535 |
| Net interest margin | 4.5892% | 849 |
| Noninterest income to average assets | 0.6677% | 2,844 |
| Noninterest expense to average assets | 2.7313% | 4,282 |
| Loan and lease loss provision to assets | 0.4141% | 1,588 |
| Net operating income to assets | 1.0870% | 2,090 |
| Return on assets (ROA) | 1.0870% | 2,313 |
| Pretax return on assets | 1.6391% | 1,426 |
| Return on Equity (ROE) | 7.9245% | 3,291 |
| Retained earnings to average equity (ytd only) | 7.9245% | 1,668 |
| Net charge-offs to loans | -0.0111% | 6,300 |
| Credit loss provision to net charge-offs | -4,800.0000% | 6,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5453% | 6,056 |
| Assets per employee ($millions) | 3.4495% | 5,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2238% | 5,246 |
| Loan loss allowance to noncurrent loans | 59.8126% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 2.3113% | 2,422 |
| Noncurrent loans to loans | 2.0460% | 2,893 |
| Net loans and leases to total assets | 76.9336% | 850 |
| Net loans and leases to deposits | 98.2212% | 515 |
| Net loans and leases to core deposits | 108.1573% | 657 |
| Total domestic deposits to total assets | 78.3268% | 6,097 |
| Equity capital to assets | 14.2622% | 995 |
| Core capital (leverage) ratio | 11.3084% | 2,037 |
| Tier 1 risk-based capital ratio | 15.4693% | 3,465 |
| Total risk-based capital ratio | 16.7198% | 3,429 |
| Memoranda: | ||
| Average total assets | $115,914,330 | 4,510 |
| Average earning assets | $103,984,000 | 4,574 |
| Average equity | $15,900,000 | 3,822 |
| Average total loans | $90,053,330 | 3,803 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5835% | 646 |
| Cost of funding earning assets | 1.0885% | 1,463 |
| Net interest margin | 4.4950% | 1,019 |
| Noninterest income to average assets | 0.7524% | 2,386 |
| Noninterest expense to average assets | 2.6916% | 4,454 |
| Loan and lease loss provision to assets | 0.4104% | 1,533 |
| Net operating income to assets | 1.1218% | 1,981 |
| Return on assets (ROA) | 1.1218% | 2,168 |
| Pretax return on assets | 1.6895% | 1,328 |
| Return on Equity (ROE) | 8.3394% | 3,125 |
| Retained earnings to average equity (ytd only) | 8.3394% | 1,842 |
| Net charge-offs to loans | -0.0176% | 6,134 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6745% | 6,158 |
| Assets per employee ($millions) | 3.4596% | 5,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0611% | 6,041 |
| Loan loss allowance to noncurrent loans | 108.8036% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 1.6144% | 3,425 |
| Noncurrent loans to loans | 0.9753% | 4,730 |
| Net loans and leases to total assets | 76.4134% | 758 |
| Net loans and leases to deposits | 96.7347% | 495 |
| Net loans and leases to core deposits | 105.7634% | 683 |
| Total domestic deposits to total assets | 78.9927% | 6,076 |
| Equity capital to assets | 13.5200% | 1,230 |
| Core capital (leverage) ratio | 10.7442% | 2,503 |
| Tier 1 risk-based capital ratio | 14.5630% | 4,053 |
| Total risk-based capital ratio | 15.7002% | 4,108 |
| Memoranda: | ||
| Average total assets | $116,955,500 | 4,518 |
| Average earning assets | $105,095,500 | 4,568 |
| Average equity | $15,732,500 | 3,853 |
| Average total loans | $90,750,000 | 3,807 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7409% | 717 |
| Cost of funding earning assets | 1.3164% | 1,405 |
| Net interest margin | 4.4245% | 1,332 |
| Noninterest income to average assets | 0.6144% | 3,091 |
| Noninterest expense to average assets | 2.5873% | 5,144 |
| Loan and lease loss provision to assets | 0.3555% | 2,871 |
| Net operating income to assets | 1.1053% | 1,808 |
| Return on assets (ROA) | 1.1053% | 1,928 |
| Pretax return on assets | 1.6656% | 1,064 |
| Return on Equity (ROE) | 8.5012% | 2,671 |
| Retained earnings to average equity (ytd only) | 1.9919% | 4,796 |
| Net charge-offs to loans | 0.8505% | 2,039 |
| Credit loss provision to net charge-offs | 53.9153% | 5,322 |
| Earnings coverage of net charge-offs (x) | 3.0655% | 3,675 |
| Efficiency ratio | 55.4454% | 6,374 |
| Assets per employee ($millions) | 3.3224% | 5,447 |
| Cash dividends to net income (ytd only)* | 76.5697% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9266% | 6,471 |
| Loan loss allowance to noncurrent loans | 48.3036% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 2.2918% | 2,635 |
| Noncurrent loans to loans | 1.9183% | 3,320 |
| Net loans and leases to total assets | 77.2361% | 800 |
| Net loans and leases to deposits | 98.2443% | 546 |
| Net loans and leases to core deposits | 113.3414% | 528 |
| Total domestic deposits to total assets | 78.6163% | 6,069 |
| Equity capital to assets | 13.3826% | 1,332 |
| Core capital (leverage) ratio | 10.4256% | 2,819 |
| Tier 1 risk-based capital ratio | 14.1997% | 4,178 |
| Total risk-based capital ratio | 15.1930% | 4,326 |
| Memoranda: | ||
| Average total assets | $118,154,800 | 4,454 |
| Average earning assets | $106,656,400 | 4,488 |
| Average equity | $15,362,600 | 3,840 |
| Average total loans | $91,593,800 | 3,817 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7038% | 846 |
| Cost of funding earning assets | 1.3460% | 1,473 |
| Net interest margin | 4.3578% | 1,537 |
| Noninterest income to average assets | 0.6047% | 3,140 |
| Noninterest expense to average assets | 2.5807% | 5,148 |
| Loan and lease loss provision to assets | 0.3372% | 2,860 |
| Net operating income to assets | 1.0779% | 2,054 |
| Return on assets (ROA) | 1.0779% | 2,195 |
| Pretax return on assets | 1.6242% | 1,323 |
| Return on Equity (ROE) | 8.3501% | 2,897 |
| Retained earnings to average equity (ytd only) | 3.9965% | 3,871 |
| Net charge-offs to loans | 0.8668% | 1,833 |
| Credit loss provision to net charge-offs | 50.2513% | 5,030 |
| Earnings coverage of net charge-offs (x) | 2.9230% | 3,683 |
| Efficiency ratio | 56.0505% | 6,280 |
| Assets per employee ($millions) | 3.4246% | 5,182 |
| Cash dividends to net income (ytd only)* | 52.1378% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 6,218 |
| Loan loss allowance to noncurrent loans | 25.0277% | 6,485 |
| Noncurrent assets plus other real estate owned to assets | 3.5488% | 1,772 |
| Noncurrent loans to loans | 4.0372% | 1,643 |
| Net loans and leases to total assets | 75.8938% | 992 |
| Net loans and leases to deposits | 97.1301% | 629 |
| Net loans and leases to core deposits | 115.8122% | 502 |
| Total domestic deposits to total assets | 78.1363% | 6,167 |
| Equity capital to assets | 13.5011% | 1,368 |
| Core capital (leverage) ratio | 10.5388% | 2,824 |
| Tier 1 risk-based capital ratio | 14.5445% | 3,944 |
| Total risk-based capital ratio | 15.6238% | 4,039 |
| Memoranda: | ||
| Average total assets | $118,622,250 | 4,469 |
| Average earning assets | $107,177,000 | 4,502 |
| Average equity | $15,312,750 | 3,858 |
| Average total loans | $91,828,750 | 3,846 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6721% | 925 |
| Cost of funding earning assets | 1.3726% | 1,538 |
| Net interest margin | 4.2994% | 1,656 |
| Noninterest income to average assets | 0.6100% | 3,072 |
| Noninterest expense to average assets | 2.5588% | 5,330 |
| Loan and lease loss provision to assets | 0.3016% | 2,995 |
| Net operating income to assets | 1.0875% | 1,908 |
| Return on assets (ROA) | 1.0875% | 2,002 |
| Pretax return on assets | 1.6389% | 1,184 |
| Return on Equity (ROE) | 8.5524% | 2,696 |
| Retained earnings to average equity (ytd only) | 1.9635% | 4,996 |
| Net charge-offs to loans | 1.2926% | 1,195 |
| Credit loss provision to net charge-offs | 30.0501% | 4,986 |
| Earnings coverage of net charge-offs (x) | 1.9332% | 3,895 |
| Efficiency ratio | 56.0521% | 6,420 |
| Assets per employee ($millions) | 3.5727% | 4,739 |
| Cash dividends to net income (ytd only)* | 77.0416% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8600% | 6,744 |
| Loan loss allowance to noncurrent loans | 53.0973% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 1.4792% | 3,990 |
| Noncurrent loans to loans | 1.6197% | 3,968 |
| Net loans and leases to total assets | 76.2661% | 1,045 |
| Net loans and leases to deposits | 97.0837% | 649 |
| Net loans and leases to core deposits | 108.0668% | 812 |
| Total domestic deposits to total assets | 78.5571% | 6,177 |
| Equity capital to assets | 13.0374% | 1,501 |
| Core capital (leverage) ratio | 10.1358% | 3,099 |
| Tier 1 risk-based capital ratio | 13.9666% | 4,192 |
| Total risk-based capital ratio | 14.8870% | 4,407 |
| Memoranda: | ||
| Average total assets | $119,351,330 | 4,478 |
| Average earning assets | $107,967,670 | 4,508 |
| Average equity | $15,177,000 | 3,878 |
| Average total loans | $92,682,000 | 3,868 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6603% | 955 |
| Cost of funding earning assets | 1.4022% | 1,598 |
| Net interest margin | 4.2581% | 1,706 |
| Noninterest income to average assets | 0.5696% | 3,370 |
| Noninterest expense to average assets | 2.5550% | 5,371 |
| Loan and lease loss provision to assets | 0.2998% | 2,759 |
| Net operating income to assets | 1.0393% | 2,037 |
| Return on assets (ROA) | 1.0393% | 2,092 |
| Pretax return on assets | 1.5690% | 1,257 |
| Return on Equity (ROE) | 8.2759% | 2,785 |
| Retained earnings to average equity (ytd only) | -4.9867% | 6,515 |
| Net charge-offs to loans | 0.0384% | 4,574 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 62.3333% | 475 |
| Efficiency ratio | 56.9277% | 6,391 |
| Assets per employee ($millions) | 3.7447% | 4,444 |
| Cash dividends to net income (ytd only)* | 160.2564% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 4,795 |
| Loan loss allowance to noncurrent loans | 61.1562% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 1.7544% | 3,633 |
| Noncurrent loans to loans | 2.2457% | 3,259 |
| Net loans and leases to total assets | 74.3826% | 1,286 |
| Net loans and leases to deposits | 93.7949% | 852 |
| Net loans and leases to core deposits | 103.7437% | 1,078 |
| Total domestic deposits to total assets | 79.3034% | 6,116 |
| Equity capital to assets | 12.1359% | 1,836 |
| Core capital (leverage) ratio | 9.6770% | 3,558 |
| Tier 1 risk-based capital ratio | 13.0710% | 4,774 |
| Total risk-based capital ratio | 14.3099% | 4,763 |
| Memoranda: | ||
| Average total assets | $120,077,500 | 4,481 |
| Average earning assets | $108,687,000 | 4,507 |
| Average equity | $15,080,000 | 3,890 |
| Average total loans | $93,674,500 | 3,887 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2403% | 523 |
| Cost of funding earning assets | 1.5507% | 2,346 |
| Net interest margin | 4.6896% | 836 |
| Noninterest income to average assets | 0.6458% | 3,180 |
| Noninterest expense to average assets | 2.6482% | 5,225 |
| Loan and lease loss provision to assets | 0.2843% | 4,526 |
| Net operating income to assets | 1.2822% | 1,222 |
| Return on assets (ROA) | 1.3050% | 1,218 |
| Pretax return on assets | 1.9686% | 517 |
| Return on Equity (ROE) | 9.6208% | 2,067 |
| Retained earnings to average equity (ytd only) | -16.5761% | 6,932 |
| Net charge-offs to loans | 0.0907% | 5,935 |
| Credit loss provision to net charge-offs | 376.4706% | 668 |
| Earnings coverage of net charge-offs (x) | 29.3765% | 745 |
| Efficiency ratio | 53.3771% | 6,858 |
| Assets per employee ($millions) | 3.3308% | 5,358 |
| Cash dividends to net income (ytd only)* | 272.2941% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2735% | 5,143 |
| Loan loss allowance to noncurrent loans | 63.3386% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 1.6881% | 3,768 |
| Noncurrent loans to loans | 2.0106% | 3,548 |
| Net loans and leases to total assets | 79.7322% | 692 |
| Net loans and leases to deposits | 104.0384% | 401 |
| Net loans and leases to core deposits | 115.0412% | 673 |
| Total domestic deposits to total assets | 76.6373% | 6,544 |
| Equity capital to assets | 13.0066% | 1,389 |
| Core capital (leverage) ratio | 10.3278% | 2,741 |
| Tier 1 risk-based capital ratio | 13.4323% | 4,268 |
| Total risk-based capital ratio | 14.6840% | 4,233 |
| Memoranda: | ||
| Average total assets | $112,565,200 | 4,645 |
| Average earning assets | $101,309,000 | 4,690 |
| Average equity | $15,269,000 | 3,892 |
| Average total loans | $93,682,000 | 3,962 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2922% | 518 |
| Cost of funding earning assets | 1.5521% | 2,661 |
| Net interest margin | 4.7401% | 764 |
| Noninterest income to average assets | 0.6585% | 3,083 |
| Noninterest expense to average assets | 2.7069% | 4,852 |
| Loan and lease loss provision to assets | 0.2749% | 4,388 |
| Net operating income to assets | 1.2835% | 1,367 |
| Return on assets (ROA) | 1.3134% | 1,382 |
| Pretax return on assets | 1.9815% | 642 |
| Return on Equity (ROE) | 9.5799% | 2,294 |
| Retained earnings to average equity (ytd only) | -25.2878% | 7,312 |
| Net charge-offs to loans | 0.1054% | 5,488 |
| Credit loss provision to net charge-offs | 310.8108% | 1,018 |
| Earnings coverage of net charge-offs (x) | 25.0011% | 1,009 |
| Efficiency ratio | 53.9247% | 6,797 |
| Assets per employee ($millions) | 3.2627% | 5,555 |
| Cash dividends to net income (ytd only)* | 363.9664% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 5,632 |
| Loan loss allowance to noncurrent loans | 59.7652% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 1.7067% | 3,888 |
| Noncurrent loans to loans | 1.9557% | 3,740 |
| Net loans and leases to total assets | 82.9302% | 416 |
| Net loans and leases to deposits | 109.0772% | 276 |
| Net loans and leases to core deposits | 121.0974% | 577 |
| Total domestic deposits to total assets | 76.0289% | 6,648 |
| Equity capital to assets | 12.9943% | 1,572 |
| Core capital (leverage) ratio | 10.3608% | 2,849 |
| Tier 1 risk-based capital ratio | 12.9019% | 4,654 |
| Total risk-based capital ratio | 14.1526% | 4,634 |
| Memoranda: | ||
| Average total assets | $111,561,750 | 4,727 |
| Average earning assets | $100,249,250 | 4,773 |
| Average equity | $15,295,500 | 3,934 |
| Average total loans | $93,565,000 | 4,034 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2819% | 531 |
| Cost of funding earning assets | 1.5373% | 3,025 |
| Net interest margin | 4.7446% | 732 |
| Noninterest income to average assets | 0.6595% | 2,959 |
| Noninterest expense to average assets | 2.7303% | 4,786 |
| Loan and lease loss provision to assets | 0.2530% | 4,397 |
| Net operating income to assets | 1.2882% | 1,334 |
| Return on assets (ROA) | 1.3335% | 1,307 |
| Pretax return on assets | 2.0111% | 590 |
| Return on Equity (ROE) | 9.5548% | 2,251 |
| Retained earnings to average equity (ytd only) | -42.2329% | 7,539 |
| Net charge-offs to loans | 0.1077% | 5,085 |
| Credit loss provision to net charge-offs | 280.0000% | 1,325 |
| Earnings coverage of net charge-offs (x) | 24.3000% | 1,076 |
| Efficiency ratio | 54.2186% | 6,861 |
| Assets per employee ($millions) | 3.0099% | 6,125 |
| Cash dividends to net income (ytd only)* | 542.0054% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1278% | 5,807 |
| Loan loss allowance to noncurrent loans | 56.3335% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 1.7931% | 3,764 |
| Noncurrent loans to loans | 2.0020% | 3,714 |
| Net loans and leases to total assets | 85.2747% | 271 |
| Net loans and leases to deposits | 114.2755% | 202 |
| Net loans and leases to core deposits | 137.3987% | 317 |
| Total domestic deposits to total assets | 74.6221% | 6,898 |
| Equity capital to assets | 13.3613% | 1,410 |
| Core capital (leverage) ratio | 10.3268% | 2,796 |
| Tier 1 risk-based capital ratio | 12.8713% | 4,551 |
| Total risk-based capital ratio | 14.1147% | 4,511 |
| Memoranda: | ||
| Average total assets | $110,683,670 | 4,781 |
| Average earning assets | $99,524,000 | 4,826 |
| Average equity | $15,447,670 | 3,898 |
| Average total loans | $92,812,330 | 4,087 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1831% | 662 |
| Cost of funding earning assets | 1.4841% | 3,661 |
| Net interest margin | 4.6990% | 780 |
| Noninterest income to average assets | 0.5972% | 3,291 |
| Noninterest expense to average assets | 2.7466% | 4,700 |
| Loan and lease loss provision to assets | 0.2146% | 4,364 |
| Net operating income to assets | 1.2346% | 1,447 |
| Return on assets (ROA) | 1.3125% | 1,344 |
| Pretax return on assets | 1.9777% | 634 |
| Return on Equity (ROE) | 9.2139% | 2,422 |
| Retained earnings to average equity (ytd only) | -91.2098% | 7,810 |
| Net charge-offs to loans | 0.0865% | 4,557 |
| Credit loss provision to net charge-offs | 300.0000% | 1,310 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 893 |
| Efficiency ratio | 55.7122% | 6,811 |
| Assets per employee ($millions) | 3.3549% | 5,418 |
| Cash dividends to net income (ytd only)* | 1,089.9183% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 6,053 |
| Loan loss allowance to noncurrent loans | 64.5847% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 1.3825% | 4,432 |
| Noncurrent loans to loans | 1.6859% | 4,219 |
| Net loans and leases to total assets | 79.8790% | 857 |
| Net loans and leases to deposits | 102.9165% | 595 |
| Net loans and leases to core deposits | 112.5740% | 1,124 |
| Total domestic deposits to total assets | 77.6154% | 6,424 |
| Equity capital to assets | 12.3693% | 1,828 |
| Core capital (leverage) ratio | 9.6865% | 3,534 |
| Tier 1 risk-based capital ratio | 12.4538% | 4,790 |
| Total risk-based capital ratio | 13.6409% | 4,792 |
| Memoranda: | ||
| Average total assets | $111,846,500 | 4,825 |
| Average earning assets | $100,532,000 | 4,863 |
| Average equity | $15,932,500 | 3,841 |
| Average total loans | $92,490,500 | 4,154 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5907% | 562 |
| Cost of funding earning assets | 1.7555% | 4,225 |
| Net interest margin | 4.8352% | 644 |
| Noninterest income to average assets | 0.6778% | 3,097 |
| Noninterest expense to average assets | 2.8804% | 4,608 |
| Loan and lease loss provision to assets | 0.1305% | 6,329 |
| Net operating income to assets | 1.3158% | 1,006 |
| Return on assets (ROA) | 1.3304% | 1,021 |
| Pretax return on assets | 2.0034% | 397 |
| Return on Equity (ROE) | 8.0727% | 2,336 |
| Retained earnings to average equity (ytd only) | 8.0727% | 679 |
| Net charge-offs to loans | 0.1038% | 6,105 |
| Credit loss provision to net charge-offs | 155.1724% | 2,930 |
| Earnings coverage of net charge-offs (x) | 25.1034% | 887 |
| Efficiency ratio | 56.0139% | 7,013 |
| Assets per employee ($millions) | 3.2244% | 5,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 6,181 |
| Loan loss allowance to noncurrent loans | 63.4211% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 1.4084% | 4,304 |
| Noncurrent loans to loans | 1.6368% | 4,189 |
| Net loans and leases to total assets | 83.8289% | 453 |
| Net loans and leases to deposits | 114.2452% | 260 |
| Net loans and leases to core deposits | 149.8524% | 510 |
| Total domestic deposits to total assets | 73.3763% | 7,107 |
| Equity capital to assets | 16.1966% | 671 |
| Core capital (leverage) ratio | 13.5671% | 1,076 |
| Tier 1 risk-based capital ratio | 16.8631% | 2,181 |
| Total risk-based capital ratio | 18.0128% | 2,187 |
| Memoranda: | ||
| Average total assets | $103,423,800 | 5,003 |
| Average earning assets | $92,282,000 | 5,053 |
| Average equity | $17,045,000 | 3,664 |
| Average total loans | $83,790,200 | 4,390 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5903% | 629 |
| Cost of funding earning assets | 1.8129% | 4,327 |
| Net interest margin | 4.7775% | 716 |
| Noninterest income to average assets | 0.6884% | 3,100 |
| Noninterest expense to average assets | 2.9134% | 4,397 |
| Loan and lease loss provision to assets | 0.1178% | 6,188 |
| Net operating income to assets | 1.2708% | 1,285 |
| Return on assets (ROA) | 1.2708% | 1,358 |
| Pretax return on assets | 1.9134% | 643 |
| Return on Equity (ROE) | 7.6754% | 2,779 |
| Retained earnings to average equity (ytd only) | 7.6754% | 1,239 |
| Net charge-offs to loans | 0.0327% | 6,437 |
| Credit loss provision to net charge-offs | 450.0000% | 877 |
| Earnings coverage of net charge-offs (x) | 77.5883% | 437 |
| Efficiency ratio | 57.0408% | 6,870 |
| Assets per employee ($millions) | 2.9901% | 6,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 5,289 |
| Loan loss allowance to noncurrent loans | 51.5152% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 1.9063% | 3,490 |
| Noncurrent loans to loans | 2.2743% | 3,300 |
| Net loans and leases to total assets | 81.8079% | 845 |
| Net loans and leases to deposits | 115.3393% | 283 |
| Net loans and leases to core deposits | 145.5369% | 707 |
| Total domestic deposits to total assets | 70.9280% | 7,336 |
| Equity capital to assets | 17.0865% | 621 |
| Core capital (leverage) ratio | 13.8422% | 1,132 |
| Tier 1 risk-based capital ratio | 16.4451% | 2,456 |
| Total risk-based capital ratio | 17.6270% | 2,424 |
| Memoranda: | ||
| Average total assets | $101,872,750 | 5,070 |
| Average earning assets | $90,757,000 | 5,134 |
| Average equity | $16,867,250 | 3,729 |
| Average total loans | $81,521,750 | 4,502 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5597% | 713 |
| Cost of funding earning assets | 1.8537% | 4,495 |
| Net interest margin | 4.7060% | 794 |
| Noninterest income to average assets | 0.6533% | 3,317 |
| Noninterest expense to average assets | 2.9213% | 4,428 |
| Loan and lease loss provision to assets | 0.1177% | 5,955 |
| Net operating income to assets | 1.1928% | 1,494 |
| Return on assets (ROA) | 1.1928% | 1,578 |
| Pretax return on assets | 1.7932% | 860 |
| Return on Equity (ROE) | 7.2817% | 3,074 |
| Retained earnings to average equity (ytd only) | 7.2817% | 1,475 |
| Net charge-offs to loans | -0.0496% | 7,849 |
| Credit loss provision to net charge-offs | -300.0000% | 7,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3841% | 6,792 |
| Assets per employee ($millions) | 2.9667% | 6,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 4,792 |
| Loan loss allowance to noncurrent loans | 61.4815% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 1.6358% | 3,756 |
| Noncurrent loans to loans | 1.9907% | 3,537 |
| Net loans and leases to total assets | 79.6913% | 1,362 |
| Net loans and leases to deposits | 113.7522% | 406 |
| Net loans and leases to core deposits | 142.7230% | 905 |
| Total domestic deposits to total assets | 70.0569% | 7,468 |
| Equity capital to assets | 16.8230% | 687 |
| Core capital (leverage) ratio | 12.9810% | 1,437 |
| Tier 1 risk-based capital ratio | 18.1414% | 1,978 |
| Total risk-based capital ratio | 19.3930% | 1,923 |
| Memoranda: | ||
| Average total assets | $101,942,000 | 5,105 |
| Average earning assets | $90,522,000 | 5,179 |
| Average equity | $16,699,330 | 3,774 |
| Average total loans | $80,643,670 | 4,567 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6234% | 686 |
| Cost of funding earning assets | 1.8792% | 4,744 |
| Net interest margin | 4.7442% | 697 |
| Noninterest income to average assets | 0.5933% | 3,598 |
| Noninterest expense to average assets | 2.8142% | 4,500 |
| Loan and lease loss provision to assets | 0.1171% | 5,471 |
| Net operating income to assets | 1.2334% | 1,549 |
| Return on assets (ROA) | 1.2334% | 1,661 |
| Pretax return on assets | 1.8697% | 862 |
| Return on Equity (ROE) | 7.6308% | 3,317 |
| Retained earnings to average equity (ytd only) | 7.6308% | 1,962 |
| Net charge-offs to loans | 0.0399% | 4,937 |
| Credit loss provision to net charge-offs | 375.0000% | 1,366 |
| Earnings coverage of net charge-offs (x) | 63.6250% | 623 |
| Efficiency ratio | 56.5041% | 6,899 |
| Assets per employee ($millions) | 3.1314% | 5,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 4,959 |
| Loan loss allowance to noncurrent loans | 249.2021% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.3929% | 6,325 |
| Noncurrent loans to loans | 0.4719% | 6,237 |
| Net loans and leases to total assets | 76.1988% | 2,228 |
| Net loans and leases to deposits | 107.2942% | 769 |
| Net loans and leases to core deposits | 133.5391% | 1,441 |
| Total domestic deposits to total assets | 71.0185% | 7,328 |
| Equity capital to assets | 16.1852% | 844 |
| Core capital (leverage) ratio | 12.9782% | 1,489 |
| Tier 1 risk-based capital ratio | 17.7225% | 2,120 |
| Total risk-based capital ratio | 18.9723% | 2,068 |
| Memoranda: | ||
| Average total assets | $102,479,000 | 5,114 |
| Average earning assets | $90,890,000 | 5,190 |
| Average equity | $16,564,500 | 3,825 |
| Average total loans | $80,276,000 | 4,605 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8852% | 1,442 |
| Cost of funding earning assets | 2.2848% | 5,228 |
| Net interest margin | 4.6004% | 1,177 |
| Noninterest income to average assets | 0.7223% | 2,965 |
| Noninterest expense to average assets | 3.0529% | 3,887 |
| Loan and lease loss provision to assets | 0.1346% | 5,633 |
| Net operating income to assets | 1.1337% | 2,015 |
| Return on assets (ROA) | 1.1530% | 1,858 |
| Pretax return on assets | 1.7530% | 1,045 |
| Return on Equity (ROE) | 7.2113% | 3,428 |
| Retained earnings to average equity (ytd only) | -9.6244% | 7,041 |
| Net charge-offs to loans | 0.5477% | 2,182 |
| Credit loss provision to net charge-offs | 32.0856% | 6,510 |
| Earnings coverage of net charge-offs (x) | 4.4305% | 3,989 |
| Efficiency ratio | 61.1784% | 6,128 |
| Assets per employee ($millions) | 2.9035% | 6,292 |
| Cash dividends to net income (ytd only)* | 233.4630% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1326% | 5,038 |
| Loan loss allowance to noncurrent loans | 227.8607% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4251% | 5,944 |
| Noncurrent loans to loans | 0.4971% | 5,855 |
| Net loans and leases to total assets | 78.6820% | 1,961 |
| Net loans and leases to deposits | 111.7901% | 718 |
| Net loans and leases to core deposits | 135.9939% | 1,485 |
| Total domestic deposits to total assets | 70.3837% | 7,235 |
| Equity capital to assets | 16.1420% | 906 |
| Core capital (leverage) ratio | 13.2253% | 1,469 |
| Tier 1 risk-based capital ratio | 16.2194% | 2,576 |
| Total risk-based capital ratio | 17.3691% | 2,556 |
| Memoranda: | ||
| Average total assets | $89,162,200 | 5,387 |
| Average earning assets | $81,188,600 | 5,397 |
| Average equity | $14,255,400 | 4,279 |
| Average total loans | $68,286,400 | 4,934 |