Home > First National Bank of Crystal Falls > Performance and Condition Ratios
First National Bank of Crystal Falls, Performance and Condition Ratios
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9829% | 5,477 |
| Cost of funding earning assets | 0.2632% | 4,422 |
| Net interest margin | 2.7197% | 5,369 |
| Noninterest income to average assets | 0.1902% | 5,137 |
| Noninterest expense to average assets | 2.8479% | 2,619 |
| Loan and lease loss provision to assets | 0.0168% | 3,356 |
| Net operating income to assets | -0.2462% | 5,687 |
| Return on assets (ROA) | -0.2462% | 5,688 |
| Pretax return on assets | -0.2462% | 5,677 |
| Return on Equity (ROE) | -2.3618% | 5,692 |
| Retained earnings to average equity (ytd only) | -138.7010% | 5,850 |
| Net charge-offs to loans | 0.0870% | 1,475 |
| Credit loss provision to net charge-offs | 42.8571% | 2,044 |
| Earnings coverage of net charge-offs (x) | -5.8571% | 2,907 |
| Efficiency ratio | 108.7607% | 139 |
| Assets per employee ($millions) | 3.5781% | 4,677 |
| Cash dividends to net income (ytd only)* | -5,772.7273% | 5,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 2,728 |
| Loan loss allowance to noncurrent loans | 116.0920% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 2.3742% | 511 |
| Noncurrent loans to loans | 1.0892% | 1,883 |
| Net loans and leases to total assets | 44.0807% | 5,033 |
| Net loans and leases to deposits | 48.5868% | 5,191 |
| Net loans and leases to core deposits | 48.8555% | 5,264 |
| Total domestic deposits to total assets | 90.7255% | 386 |
| Equity capital to assets | 8.6079% | 5,145 |
| Core capital (leverage) ratio | 8.5848% | 5,165 |
| Tier 1 risk-based capital ratio | 16.2898% | 2,442 |
| Total risk-based capital ratio | 17.3582% | 2,457 |
| Memoranda: | ||
| Average total assets | $71,492,500 | 4,884 |
| Average earning assets | $63,830,000 | 4,921 |
| Average equity | $7,452,000 | 4,977 |
| Average total loans | $32,175,500 | 5,087 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0549% | 5,452 |
| Cost of funding earning assets | 0.2773% | 4,281 |
| Net interest margin | 2.7776% | 5,326 |
| Noninterest income to average assets | 0.3383% | 4,316 |
| Noninterest expense to average assets | 2.6054% | 3,660 |
| Loan and lease loss provision to assets | 0.2316% | 935 |
| Net operating income to assets | -0.0239% | 5,656 |
| Return on assets (ROA) | -0.0239% | 5,671 |
| Pretax return on assets | -0.0239% | 5,666 |
| Return on Equity (ROE) | -0.1944% | 5,673 |
| Retained earnings to average equity (ytd only) | -0.1944% | 5,334 |
| Net charge-offs to loans | 0.4610% | 550 |
| Credit loss provision to net charge-offs | 110.7383% | 2,364 |
| Earnings coverage of net charge-offs (x) | 0.9933% | 4,053 |
| Efficiency ratio | 92.6148% | 439 |
| Assets per employee ($millions) | 3.5712% | 4,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 2,761 |
| Loan loss allowance to noncurrent loans | 128.7066% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 2.3760% | 518 |
| Noncurrent loans to loans | 0.9783% | 2,137 |
| Net loans and leases to total assets | 44.7951% | 5,075 |
| Net loans and leases to deposits | 51.4696% | 5,147 |
| Net loans and leases to core deposits | 51.7660% | 5,238 |
| Total domestic deposits to total assets | 87.0322% | 2,133 |
| Equity capital to assets | 12.2426% | 1,663 |
| Core capital (leverage) ratio | 12.2700% | 1,443 |
| Tier 1 risk-based capital ratio | 22.9562% | 968 |
| Total risk-based capital ratio | 24.0273% | 971 |
| Memoranda: | ||
| Average total assets | $71,237,600 | 4,904 |
| Average earning assets | $63,472,200 | 4,952 |
| Average equity | $8,746,600 | 4,795 |
| Average total loans | $32,321,200 | 5,122 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0544% | 5,524 |
| Cost of funding earning assets | 0.2798% | 4,294 |
| Net interest margin | 2.7746% | 5,399 |
| Noninterest income to average assets | 0.3858% | 4,022 |
| Noninterest expense to average assets | 2.5733% | 3,753 |
| Loan and lease loss provision to assets | 0.2940% | 580 |
| Net operating income to assets | -0.0112% | 5,723 |
| Return on assets (ROA) | -0.0112% | 5,744 |
| Pretax return on assets | -0.0112% | 5,737 |
| Return on Equity (ROE) | -0.0915% | 5,744 |
| Retained earnings to average equity (ytd only) | -0.0915% | 5,370 |
| Net charge-offs to loans | 0.6150% | 336 |
| Credit loss provision to net charge-offs | 105.3691% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.0134% | 3,738 |
| Efficiency ratio | 90.0984% | 553 |
| Assets per employee ($millions) | 3.4374% | 4,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2613% | 2,890 |
| Loan loss allowance to noncurrent loans | 110.8033% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 2.4368% | 570 |
| Noncurrent loans to loans | 1.1383% | 1,978 |
| Net loans and leases to total assets | 43.3796% | 5,232 |
| Net loans and leases to deposits | 49.7348% | 5,307 |
| Net loans and leases to core deposits | 50.0176% | 5,383 |
| Total domestic deposits to total assets | 87.2219% | 1,791 |
| Equity capital to assets | 12.1284% | 2,018 |
| Core capital (leverage) ratio | 12.2681% | 1,500 |
| Tier 1 risk-based capital ratio | 23.5552% | 939 |
| Total risk-based capital ratio | 24.6314% | 944 |
| Memoranda: | ||
| Average total assets | $71,191,250 | 4,950 |
| Average earning assets | $63,382,250 | 4,991 |
| Average equity | $8,747,250 | 4,846 |
| Average total loans | $32,301,000 | 5,169 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0435% | 5,607 |
| Cost of funding earning assets | 0.2804% | 4,339 |
| Net interest margin | 2.7631% | 5,493 |
| Noninterest income to average assets | 0.4262% | 3,683 |
| Noninterest expense to average assets | 2.5233% | 3,978 |
| Loan and lease loss provision to assets | 0.4093% | 369 |
| Net operating income to assets | -0.0310% | 5,784 |
| Return on assets (ROA) | -0.0310% | 5,807 |
| Pretax return on assets | -0.0310% | 5,802 |
| Return on Equity (ROE) | -0.2516% | 5,806 |
| Retained earnings to average equity (ytd only) | -0.2516% | 5,330 |
| Net charge-offs to loans | 0.9170% | 206 |
| Credit loss provision to net charge-offs | 97.3154% | 2,161 |
| Earnings coverage of net charge-offs (x) | 0.8993% | 3,472 |
| Efficiency ratio | 86.9650% | 795 |
| Assets per employee ($millions) | 3.5071% | 4,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 3,256 |
| Loan loss allowance to noncurrent loans | 143.7037% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 2.3781% | 614 |
| Noncurrent loans to loans | 0.8476% | 2,627 |
| Net loans and leases to total assets | 44.8596% | 5,180 |
| Net loans and leases to deposits | 51.7023% | 5,259 |
| Net loans and leases to core deposits | 52.0065% | 5,360 |
| Total domestic deposits to total assets | 86.7652% | 2,030 |
| Equity capital to assets | 12.4749% | 1,786 |
| Core capital (leverage) ratio | 12.3883% | 1,410 |
| Tier 1 risk-based capital ratio | 23.5792% | 952 |
| Total risk-based capital ratio | 24.6248% | 956 |
| Memoranda: | ||
| Average total assets | $70,859,670 | 5,008 |
| Average earning assets | $63,480,330 | 5,040 |
| Average equity | $8,744,670 | 4,883 |
| Average total loans | $32,496,670 | 5,218 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0390% | 5,656 |
| Cost of funding earning assets | 0.2820% | 4,363 |
| Net interest margin | 2.7570% | 5,535 |
| Noninterest income to average assets | 0.4943% | 3,156 |
| Noninterest expense to average assets | 2.4319% | 4,286 |
| Loan and lease loss provision to assets | 0.7470% | 141 |
| Net operating income to assets | -0.2134% | 5,889 |
| Return on assets (ROA) | -0.2134% | 5,899 |
| Pretax return on assets | -0.2134% | 5,894 |
| Return on Equity (ROE) | -1.7387% | 5,900 |
| Retained earnings to average equity (ytd only) | -1.7387% | 5,360 |
| Net charge-offs to loans | 2.1817% | 65 |
| Credit loss provision to net charge-offs | 74.3017% | 1,875 |
| Earnings coverage of net charge-offs (x) | 0.5307% | 2,922 |
| Efficiency ratio | 82.0076% | 1,369 |
| Assets per employee ($millions) | 3.3896% | 4,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 4,261 |
| Loan loss allowance to noncurrent loans | 64.9156% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 2.4276% | 628 |
| Noncurrent loans to loans | 1.6395% | 1,398 |
| Net loans and leases to total assets | 45.1848% | 5,173 |
| Net loans and leases to deposits | 51.9051% | 5,237 |
| Net loans and leases to core deposits | 52.2050% | 5,343 |
| Total domestic deposits to total assets | 87.0527% | 2,191 |
| Equity capital to assets | 12.2547% | 1,856 |
| Core capital (leverage) ratio | 12.1877% | 1,502 |
| Tier 1 risk-based capital ratio | 22.8824% | 1,025 |
| Total risk-based capital ratio | 23.7900% | 1,056 |
| Memoranda: | ||
| Average total assets | $71,219,000 | 5,044 |
| Average earning assets | $63,836,500 | 5,081 |
| Average equity | $8,742,000 | 4,914 |
| Average total loans | $32,818,500 | 5,242 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0730% | 5,667 |
| Cost of funding earning assets | 0.3234% | 3,986 |
| Net interest margin | 2.7496% | 5,594 |
| Noninterest income to average assets | 0.3291% | 4,546 |
| Noninterest expense to average assets | 2.5380% | 4,112 |
| Loan and lease loss provision to assets | 0.2782% | 658 |
| Net operating income to assets | -0.0254% | 5,882 |
| Return on assets (ROA) | -0.0254% | 5,906 |
| Pretax return on assets | -0.0254% | 5,900 |
| Return on Equity (ROE) | -0.2070% | 5,904 |
| Retained earnings to average equity (ytd only) | -0.2070% | 5,540 |
| Net charge-offs to loans | 0.3873% | 744 |
| Credit loss provision to net charge-offs | 153.9063% | 1,734 |
| Earnings coverage of net charge-offs (x) | 1.3984% | 4,095 |
| Efficiency ratio | 90.9413% | 638 |
| Assets per employee ($millions) | 3.7441% | 4,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5455% | 1,818 |
| Loan loss allowance to noncurrent loans | 70.4264% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 2.4108% | 656 |
| Noncurrent loans to loans | 2.1945% | 904 |
| Net loans and leases to total assets | 45.8496% | 5,174 |
| Net loans and leases to deposits | 52.6447% | 5,247 |
| Net loans and leases to core deposits | 53.3857% | 5,353 |
| Total domestic deposits to total assets | 87.0925% | 2,079 |
| Equity capital to assets | 12.1470% | 1,848 |
| Core capital (leverage) ratio | 11.9623% | 1,640 |
| Tier 1 risk-based capital ratio | 22.5161% | 1,082 |
| Total risk-based capital ratio | 23.7668% | 1,059 |
| Memoranda: | ||
| Average total assets | $70,802,600 | 5,072 |
| Average earning assets | $63,390,600 | 5,100 |
| Average equity | $8,695,000 | 4,913 |
| Average total loans | $33,052,400 | 5,257 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0534% | 5,762 |
| Cost of funding earning assets | 0.3283% | 4,010 |
| Net interest margin | 2.7251% | 5,695 |
| Noninterest income to average assets | 0.3375% | 4,529 |
| Noninterest expense to average assets | 2.5754% | 3,962 |
| Loan and lease loss provision to assets | 0.0245% | 3,784 |
| Net operating income to assets | 0.1791% | 5,714 |
| Return on assets (ROA) | 0.1791% | 5,767 |
| Pretax return on assets | 0.1791% | 5,815 |
| Return on Equity (ROE) | 1.4544% | 5,786 |
| Retained earnings to average equity (ytd only) | 1.4544% | 5,135 |
| Net charge-offs to loans | 0.4803% | 510 |
| Credit loss provision to net charge-offs | 10.9244% | 3,442 |
| Earnings coverage of net charge-offs (x) | 0.9076% | 3,897 |
| Efficiency ratio | 92.6730% | 537 |
| Assets per employee ($millions) | 3.8236% | 4,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 4,598 |
| Loan loss allowance to noncurrent loans | 43.8231% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 2.4061% | 738 |
| Noncurrent loans to loans | 2.3454% | 896 |
| Net loans and leases to total assets | 44.6682% | 5,313 |
| Net loans and leases to deposits | 51.1950% | 5,408 |
| Net loans and leases to core deposits | 51.8983% | 5,507 |
| Total domestic deposits to total assets | 87.2510% | 1,921 |
| Equity capital to assets | 12.0511% | 2,060 |
| Core capital (leverage) ratio | 12.0900% | 1,627 |
| Tier 1 risk-based capital ratio | 22.7710% | 1,085 |
| Total risk-based capital ratio | 23.6475% | 1,117 |
| Memoranda: | ||
| Average total assets | $70,719,000 | 5,137 |
| Average earning assets | $63,359,000 | 5,163 |
| Average equity | $8,708,500 | 4,975 |
| Average total loans | $33,033,500 | 5,321 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0463% | 5,803 |
| Cost of funding earning assets | 0.3346% | 3,988 |
| Net interest margin | 2.7117% | 5,750 |
| Noninterest income to average assets | 0.3368% | 4,545 |
| Noninterest expense to average assets | 2.5943% | 3,926 |
| Loan and lease loss provision to assets | 0.0257% | 3,620 |
| Net operating income to assets | 0.1456% | 5,818 |
| Return on assets (ROA) | 0.1456% | 5,865 |
| Pretax return on assets | 0.1456% | 5,885 |
| Return on Equity (ROE) | 1.1734% | 5,873 |
| Retained earnings to average equity (ytd only) | 1.1734% | 5,097 |
| Net charge-offs to loans | 0.3805% | 685 |
| Credit loss provision to net charge-offs | 14.2857% | 3,072 |
| Earnings coverage of net charge-offs (x) | 0.9524% | 3,598 |
| Efficiency ratio | 93.8080% | 531 |
| Assets per employee ($millions) | 3.3104% | 5,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 3,898 |
| Loan loss allowance to noncurrent loans | 23.7340% | 5,625 |
| Noncurrent assets plus other real estate owned to assets | 3.5444% | 406 |
| Noncurrent loans to loans | 4.9756% | 233 |
| Net loans and leases to total assets | 46.8246% | 5,189 |
| Net loans and leases to deposits | 54.0246% | 5,253 |
| Net loans and leases to core deposits | 54.8060% | 5,378 |
| Total domestic deposits to total assets | 86.6727% | 2,331 |
| Equity capital to assets | 12.5304% | 1,644 |
| Core capital (leverage) ratio | 12.5075% | 1,378 |
| Tier 1 risk-based capital ratio | 23.2548% | 1,044 |
| Total risk-based capital ratio | 24.2932% | 1,051 |
| Memoranda: | ||
| Average total assets | $70,075,670 | 5,215 |
| Average earning assets | $62,764,000 | 5,234 |
| Average equity | $8,693,000 | 5,010 |
| Average total loans | $33,115,330 | 5,363 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0645% | 5,826 |
| Cost of funding earning assets | 0.3370% | 4,013 |
| Net interest margin | 2.7275% | 5,766 |
| Noninterest income to average assets | 0.3468% | 4,423 |
| Noninterest expense to average assets | 2.4789% | 4,327 |
| Loan and lease loss provision to assets | 0.0227% | 3,415 |
| Net operating income to assets | 0.2843% | 5,465 |
| Return on assets (ROA) | 0.2843% | 5,561 |
| Pretax return on assets | 0.2843% | 5,680 |
| Return on Equity (ROE) | 2.3031% | 5,609 |
| Retained earnings to average equity (ytd only) | 2.3031% | 4,538 |
| Net charge-offs to loans | 0.7349% | 322 |
| Credit loss provision to net charge-offs | 6.5574% | 2,453 |
| Earnings coverage of net charge-offs (x) | 0.8852% | 2,999 |
| Efficiency ratio | 88.9796% | 940 |
| Assets per employee ($millions) | 3.3677% | 5,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1743% | 4,125 |
| Loan loss allowance to noncurrent loans | 27.7898% | 5,582 |
| Noncurrent assets plus other real estate owned to assets | 3.1588% | 568 |
| Noncurrent loans to loans | 4.2255% | 387 |
| Net loans and leases to total assets | 45.9348% | 5,206 |
| Net loans and leases to deposits | 52.8210% | 5,279 |
| Net loans and leases to core deposits | 53.5684% | 5,393 |
| Total domestic deposits to total assets | 86.9630% | 2,391 |
| Equity capital to assets | 12.3144% | 1,812 |
| Core capital (leverage) ratio | 12.3692% | 1,417 |
| Tier 1 risk-based capital ratio | 22.7889% | 1,138 |
| Total risk-based capital ratio | 23.7963% | 1,151 |
| Memoranda: | ||
| Average total assets | $70,354,000 | 5,249 |
| Average earning assets | $62,915,000 | 5,280 |
| Average equity | $8,684,000 | 5,064 |
| Average total loans | $33,202,500 | 5,398 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2137% | 5,821 |
| Cost of funding earning assets | 0.3754% | 3,970 |
| Net interest margin | 2.8383% | 5,751 |
| Noninterest income to average assets | 0.2844% | 5,089 |
| Noninterest expense to average assets | 2.7554% | 3,655 |
| Loan and lease loss provision to assets | 0.0261% | 4,086 |
| Net operating income to assets | 0.0479% | 6,026 |
| Return on assets (ROA) | 0.0479% | 6,050 |
| Pretax return on assets | 0.0479% | 6,047 |
| Return on Equity (ROE) | 0.3740% | 6,061 |
| Retained earnings to average equity (ytd only) | -5.4289% | 6,195 |
| Net charge-offs to loans | 0.2914% | 1,499 |
| Credit loss provision to net charge-offs | 18.3673% | 3,994 |
| Earnings coverage of net charge-offs (x) | 0.5204% | 4,625 |
| Efficiency ratio | 97.3846% | 447 |
| Assets per employee ($millions) | 3.1812% | 5,456 |
| Cash dividends to net income (ytd only)* | 1,551.5152% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3181% | 3,327 |
| Loan loss allowance to noncurrent loans | 25.0141% | 5,756 |
| Noncurrent assets plus other real estate owned to assets | 3.5664% | 519 |
| Noncurrent loans to loans | 5.2694% | 263 |
| Net loans and leases to total assets | 47.2823% | 5,221 |
| Net loans and leases to deposits | 54.4573% | 5,295 |
| Net loans and leases to core deposits | 55.2373% | 5,429 |
| Total domestic deposits to total assets | 86.8245% | 2,376 |
| Equity capital to assets | 12.3725% | 1,722 |
| Core capital (leverage) ratio | 12.3723% | 1,407 |
| Tier 1 risk-based capital ratio | 22.7443% | 1,117 |
| Total risk-based capital ratio | 23.9053% | 1,111 |
| Memoranda: | ||
| Average total assets | $68,918,000 | 5,320 |
| Average earning assets | $61,797,400 | 5,349 |
| Average equity | $8,823,200 | 5,019 |
| Average total loans | $33,627,200 | 5,412 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2365% | 5,860 |
| Cost of funding earning assets | 0.3829% | 3,981 |
| Net interest margin | 2.8536% | 5,788 |
| Noninterest income to average assets | 0.2719% | 5,269 |
| Noninterest expense to average assets | 2.8297% | 3,353 |
| Loan and lease loss provision to assets | 0.0252% | 3,903 |
| Net operating income to assets | -0.0214% | 6,156 |
| Return on assets (ROA) | -0.0214% | 6,171 |
| Pretax return on assets | -0.0214% | 6,158 |
| Return on Equity (ROE) | -0.1655% | 6,170 |
| Retained earnings to average equity (ytd only) | -7.8667% | 6,339 |
| Net charge-offs to loans | 0.3883% | 1,027 |
| Credit loss provision to net charge-offs | 13.2653% | 3,667 |
| Earnings coverage of net charge-offs (x) | 0.0204% | 4,445 |
| Efficiency ratio | 99.8629% | 373 |
| Assets per employee ($millions) | 3.2307% | 5,370 |
| Cash dividends to net income (ytd only)* | -4,653.3742% | 6,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 3,581 |
| Loan loss allowance to noncurrent loans | 19.4321% | 5,932 |
| Noncurrent assets plus other real estate owned to assets | 4.1969% | 447 |
| Noncurrent loans to loans | 6.7592% | 180 |
| Net loans and leases to total assets | 46.3011% | 5,349 |
| Net loans and leases to deposits | 53.1304% | 5,450 |
| Net loans and leases to core deposits | 53.8759% | 5,574 |
| Total domestic deposits to total assets | 87.1462% | 2,234 |
| Equity capital to assets | 12.1208% | 1,963 |
| Core capital (leverage) ratio | 12.5788% | 1,365 |
| Tier 1 risk-based capital ratio | 22.3976% | 1,204 |
| Total risk-based capital ratio | 23.5363% | 1,208 |
| Memoranda: | ||
| Average total assets | $68,651,000 | 5,386 |
| Average earning assets | $61,628,000 | 5,416 |
| Average equity | $8,864,250 | 5,045 |
| Average total loans | $33,650,750 | 5,468 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1343% | 6,020 |
| Cost of funding earning assets | 0.3943% | 3,927 |
| Net interest margin | 2.7401% | 6,005 |
| Noninterest income to average assets | 0.2329% | 5,530 |
| Noninterest expense to average assets | 2.8330% | 3,392 |
| Loan and lease loss provision to assets | 0.0265% | 3,745 |
| Net operating income to assets | -0.1680% | 6,294 |
| Return on assets (ROA) | -0.1680% | 6,309 |
| Pretax return on assets | -0.1680% | 6,293 |
| Return on Equity (ROE) | -1.2741% | 6,290 |
| Retained earnings to average equity (ytd only) | -12.6965% | 6,465 |
| Net charge-offs to loans | 0.4800% | 836 |
| Credit loss provision to net charge-offs | 11.1111% | 3,290 |
| Earnings coverage of net charge-offs (x) | -0.5926% | 4,183 |
| Efficiency ratio | 105.2574% | 306 |
| Assets per employee ($millions) | 2.8747% | 5,923 |
| Cash dividends to net income (ytd only)* | -896.4912% | 6,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3656% | 3,510 |
| Loan loss allowance to noncurrent loans | 16.4659% | 6,038 |
| Noncurrent assets plus other real estate owned to assets | 5.2165% | 336 |
| Noncurrent loans to loans | 8.2935% | 119 |
| Net loans and leases to total assets | 49.2687% | 5,045 |
| Net loans and leases to deposits | 57.1632% | 5,106 |
| Net loans and leases to core deposits | 58.0349% | 5,271 |
| Total domestic deposits to total assets | 86.1896% | 2,942 |
| Equity capital to assets | 12.9619% | 1,389 |
| Core capital (leverage) ratio | 12.8372% | 1,221 |
| Tier 1 risk-based capital ratio | 22.8979% | 1,125 |
| Total risk-based capital ratio | 24.1029% | 1,117 |
| Memoranda: | ||
| Average total assets | $67,842,670 | 5,452 |
| Average earning assets | $60,874,670 | 5,483 |
| Average equity | $8,947,330 | 5,040 |
| Average total loans | $33,752,000 | 5,504 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1775% | 6,039 |
| Cost of funding earning assets | 0.4029% | 3,935 |
| Net interest margin | 2.7746% | 5,982 |
| Noninterest income to average assets | 0.3668% | 4,449 |
| Noninterest expense to average assets | 2.8178% | 3,500 |
| Loan and lease loss provision to assets | 0.0233% | 3,526 |
| Net operating income to assets | 0.0116% | 6,194 |
| Return on assets (ROA) | 0.0116% | 6,213 |
| Pretax return on assets | 0.0116% | 6,204 |
| Return on Equity (ROE) | 0.0876% | 6,218 |
| Retained earnings to average equity (ytd only) | -0.1751% | 5,585 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7755% | 508 |
| Assets per employee ($millions) | 3.1231% | 5,648 |
| Cash dividends to net income (ytd only)* | 300.0000% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5554% | 2,896 |
| Loan loss allowance to noncurrent loans | 19.8269% | 6,081 |
| Noncurrent assets plus other real estate owned to assets | 4.8029% | 442 |
| Noncurrent loans to loans | 7.8449% | 174 |
| Net loans and leases to total assets | 48.5460% | 5,059 |
| Net loans and leases to deposits | 56.5176% | 5,076 |
| Net loans and leases to core deposits | 57.3494% | 5,254 |
| Total domestic deposits to total assets | 85.8954% | 3,419 |
| Equity capital to assets | 13.2939% | 1,170 |
| Core capital (leverage) ratio | 13.2812% | 1,048 |
| Tier 1 risk-based capital ratio | 26.8316% | 722 |
| Total risk-based capital ratio | 28.0741% | 711 |
| Memoranda: | ||
| Average total assets | $68,705,500 | 5,482 |
| Average earning assets | $61,557,500 | 5,521 |
| Average equity | $9,136,000 | 5,015 |
| Average total loans | $34,115,000 | 5,538 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3246% | 5,965 |
| Cost of funding earning assets | 0.4666% | 3,950 |
| Net interest margin | 2.8580% | 5,885 |
| Noninterest income to average assets | 0.3476% | 4,835 |
| Noninterest expense to average assets | 3.0193% | 3,002 |
| Loan and lease loss provision to assets | 0.0255% | 4,620 |
| Net operating income to assets | -0.1334% | 6,325 |
| Return on assets (ROA) | -0.1334% | 6,342 |
| Pretax return on assets | -0.1334% | 6,309 |
| Return on Equity (ROE) | -1.0145% | 6,327 |
| Retained earnings to average equity (ytd only) | -1.3922% | 6,114 |
| Net charge-offs to loans | 0.1584% | 3,220 |
| Credit loss provision to net charge-offs | 32.7273% | 4,188 |
| Earnings coverage of net charge-offs (x) | -1.3818% | 5,291 |
| Efficiency ratio | 103.7037% | 378 |
| Assets per employee ($millions) | 3.1229% | 5,632 |
| Cash dividends to net income (ytd only)* | -37.2340% | 6,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5227% | 3,082 |
| Loan loss allowance to noncurrent loans | 19.5954% | 6,179 |
| Noncurrent assets plus other real estate owned to assets | 4.8193% | 499 |
| Noncurrent loans to loans | 7.7705% | 202 |
| Net loans and leases to total assets | 49.2337% | 5,169 |
| Net loans and leases to deposits | 57.8423% | 5,137 |
| Net loans and leases to core deposits | 58.7005% | 5,331 |
| Total domestic deposits to total assets | 85.1171% | 3,683 |
| Equity capital to assets | 13.3007% | 1,140 |
| Core capital (leverage) ratio | 13.1265% | 1,092 |
| Tier 1 risk-based capital ratio | 26.7561% | 705 |
| Total risk-based capital ratio | 28.0093% | 688 |
| Memoranda: | ||
| Average total assets | $70,479,200 | 5,457 |
| Average earning assets | $63,226,600 | 5,496 |
| Average equity | $9,265,600 | 5,028 |
| Average total loans | $34,716,400 | 5,551 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3443% | 5,983 |
| Cost of funding earning assets | 0.4715% | 4,053 |
| Net interest margin | 2.8728% | 5,871 |
| Noninterest income to average assets | 0.3478% | 4,904 |
| Noninterest expense to average assets | 2.7578% | 3,803 |
| Loan and lease loss provision to assets | 0.0263% | 4,479 |
| Net operating income to assets | 0.1410% | 6,054 |
| Return on assets (ROA) | 0.1410% | 6,122 |
| Pretax return on assets | 0.1410% | 6,155 |
| Return on Equity (ROE) | 1.0756% | 6,166 |
| Retained earnings to average equity (ytd only) | 0.5736% | 5,739 |
| Net charge-offs to loans | 0.1149% | 3,396 |
| Credit loss provision to net charge-offs | 46.6667% | 3,584 |
| Earnings coverage of net charge-offs (x) | 2.9665% | 3,849 |
| Efficiency ratio | 94.2802% | 723 |
| Assets per employee ($millions) | 3.0741% | 5,729 |
| Cash dividends to net income (ytd only)* | 46.6700% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5847% | 3,072 |
| Loan loss allowance to noncurrent loans | 18.1454% | 6,287 |
| Noncurrent assets plus other real estate owned to assets | 5.1397% | 535 |
| Noncurrent loans to loans | 8.7331% | 192 |
| Net loans and leases to total assets | 47.7830% | 5,371 |
| Net loans and leases to deposits | 55.5209% | 5,413 |
| Net loans and leases to core deposits | 56.5468% | 5,575 |
| Total domestic deposits to total assets | 86.0632% | 3,219 |
| Equity capital to assets | 13.1631% | 1,259 |
| Core capital (leverage) ratio | 13.6087% | 979 |
| Tier 1 risk-based capital ratio | 26.6127% | 732 |
| Total risk-based capital ratio | 27.8651% | 724 |
| Memoranda: | ||
| Average total assets | $70,923,250 | 5,505 |
| Average earning assets | $63,629,250 | 5,537 |
| Average equity | $9,297,500 | 5,070 |
| Average total loans | $34,808,500 | 5,601 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3231% | 6,049 |
| Cost of funding earning assets | 0.4814% | 4,075 |
| Net interest margin | 2.8416% | 5,920 |
| Noninterest income to average assets | 0.3155% | 5,179 |
| Noninterest expense to average assets | 2.6678% | 4,151 |
| Loan and lease loss provision to assets | 0.0254% | 4,410 |
| Net operating income to assets | 0.1831% | 5,951 |
| Return on assets (ROA) | 0.1831% | 6,066 |
| Pretax return on assets | 0.1831% | 6,106 |
| Return on Equity (ROE) | 1.3987% | 6,120 |
| Retained earnings to average equity (ytd only) | 0.9038% | 5,540 |
| Net charge-offs to loans | 0.1716% | 2,750 |
| Credit loss provision to net charge-offs | 30.0000% | 3,588 |
| Earnings coverage of net charge-offs (x) | 2.4667% | 3,702 |
| Efficiency ratio | 92.7522% | 839 |
| Assets per employee ($millions) | 2.9846% | 5,875 |
| Cash dividends to net income (ytd only)* | 35.3846% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5817% | 3,221 |
| Loan loss allowance to noncurrent loans | 23.9024% | 6,209 |
| Noncurrent assets plus other real estate owned to assets | 4.2115% | 806 |
| Noncurrent loans to loans | 6.6172% | 388 |
| Net loans and leases to total assets | 48.8579% | 5,239 |
| Net loans and leases to deposits | 57.0741% | 5,242 |
| Net loans and leases to core deposits | 57.9137% | 5,429 |
| Total domestic deposits to total assets | 85.6044% | 3,580 |
| Equity capital to assets | 13.5609% | 1,104 |
| Core capital (leverage) ratio | 13.1427% | 1,118 |
| Tier 1 risk-based capital ratio | 24.3953% | 949 |
| Total risk-based capital ratio | 25.6479% | 936 |
| Memoranda: | ||
| Average total assets | $70,996,000 | 5,540 |
| Average earning assets | $63,977,000 | 5,561 |
| Average equity | $9,294,330 | 5,109 |
| Average total loans | $34,968,330 | 5,618 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2935% | 6,162 |
| Cost of funding earning assets | 0.4872% | 4,206 |
| Net interest margin | 2.8062% | 6,020 |
| Noninterest income to average assets | 0.3880% | 4,553 |
| Noninterest expense to average assets | 2.5994% | 4,409 |
| Loan and lease loss provision to assets | 0.0222% | 4,189 |
| Net operating income to assets | 0.2882% | 5,605 |
| Return on assets (ROA) | 0.2882% | 5,725 |
| Pretax return on assets | 0.2882% | 5,880 |
| Return on Equity (ROE) | 2.2397% | 5,863 |
| Retained earnings to average equity (ytd only) | 1.7228% | 5,119 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3333% | 1,206 |
| Assets per employee ($millions) | 3.1776% | 5,674 |
| Cash dividends to net income (ytd only)* | 23.0769% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6231% | 3,304 |
| Loan loss allowance to noncurrent loans | 33.7321% | 5,884 |
| Noncurrent assets plus other real estate owned to assets | 3.1210% | 1,415 |
| Noncurrent loans to loans | 4.8116% | 811 |
| Net loans and leases to total assets | 46.7743% | 5,356 |
| Net loans and leases to deposits | 54.0842% | 5,430 |
| Net loans and leases to core deposits | 54.6470% | 5,629 |
| Total domestic deposits to total assets | 86.4842% | 3,245 |
| Equity capital to assets | 12.7345% | 1,569 |
| Core capital (leverage) ratio | 12.7188% | 1,239 |
| Tier 1 risk-based capital ratio | 23.3668% | 1,100 |
| Total risk-based capital ratio | 24.6196% | 1,083 |
| Memoranda: | ||
| Average total assets | $72,171,000 | 5,557 |
| Average earning assets | $64,856,000 | 5,585 |
| Average equity | $9,287,000 | 5,158 |
| Average total loans | $35,413,500 | 5,647 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7545% | 5,938 |
| Cost of funding earning assets | 0.5826% | 4,511 |
| Net interest margin | 3.1719% | 5,640 |
| Noninterest income to average assets | 0.2702% | 5,526 |
| Noninterest expense to average assets | 2.6129% | 4,699 |
| Loan and lease loss provision to assets | 0.0418% | 5,333 |
| Net operating income to assets | 0.4137% | 5,042 |
| Return on assets (ROA) | 0.4137% | 5,296 |
| Pretax return on assets | 0.4137% | 5,538 |
| Return on Equity (ROE) | 3.2273% | 5,459 |
| Retained earnings to average equity (ytd only) | 2.0755% | 4,765 |
| Net charge-offs to loans | -0.1019% | 6,829 |
| Credit loss provision to net charge-offs | -81.0811% | 6,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1566% | 1,502 |
| Assets per employee ($millions) | 3.0981% | 5,850 |
| Cash dividends to net income (ytd only)* | 35.6902% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5522% | 3,510 |
| Loan loss allowance to noncurrent loans | 33.5329% | 5,918 |
| Noncurrent assets plus other real estate owned to assets | 3.2278% | 1,436 |
| Noncurrent loans to loans | 4.6289% | 909 |
| Net loans and leases to total assets | 49.8449% | 5,189 |
| Net loans and leases to deposits | 57.8318% | 5,257 |
| Net loans and leases to core deposits | 58.4504% | 5,504 |
| Total domestic deposits to total assets | 86.1894% | 3,259 |
| Equity capital to assets | 13.0050% | 1,455 |
| Core capital (leverage) ratio | 12.8215% | 1,190 |
| Tier 1 risk-based capital ratio | 23.2681% | 1,069 |
| Total risk-based capital ratio | 24.5211% | 1,054 |
| Memoranda: | ||
| Average total assets | $71,798,200 | 5,580 |
| Average earning assets | $63,336,800 | 5,627 |
| Average equity | $9,202,800 | 5,173 |
| Average total loans | $36,307,200 | 5,670 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7846% | 6,057 |
| Cost of funding earning assets | 0.5960% | 4,693 |
| Net interest margin | 3.1886% | 5,723 |
| Noninterest income to average assets | 0.2632% | 5,679 |
| Noninterest expense to average assets | 2.6283% | 4,643 |
| Loan and lease loss provision to assets | 0.0408% | 5,266 |
| Net operating income to assets | 0.4004% | 5,246 |
| Return on assets (ROA) | 0.4004% | 5,467 |
| Pretax return on assets | 0.4004% | 5,719 |
| Return on Equity (ROE) | 3.1348% | 5,634 |
| Retained earnings to average equity (ytd only) | 2.8736% | 4,828 |
| Net charge-offs to loans | 0.0037% | 5,716 |
| Credit loss provision to net charge-offs | 2,200.0000% | 123 |
| Earnings coverage of net charge-offs (x) | 238.5940% | 190 |
| Efficiency ratio | 85.6280% | 1,416 |
| Assets per employee ($millions) | 3.0738% | 5,916 |
| Cash dividends to net income (ytd only)* | 8.3336% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3983% | 4,384 |
| Loan loss allowance to noncurrent loans | 42.3743% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 2.5173% | 2,102 |
| Noncurrent loans to loans | 3.2998% | 1,667 |
| Net loans and leases to total assets | 49.1338% | 5,424 |
| Net loans and leases to deposits | 56.6964% | 5,568 |
| Net loans and leases to core deposits | 56.6964% | 5,837 |
| Total domestic deposits to total assets | 86.6612% | 2,878 |
| Equity capital to assets | 12.5729% | 1,841 |
| Core capital (leverage) ratio | 12.8472% | 1,253 |
| Tier 1 risk-based capital ratio | 23.0452% | 1,168 |
| Total risk-based capital ratio | 24.2950% | 1,142 |
| Memoranda: | ||
| Average total assets | $71,933,500 | 5,636 |
| Average earning assets | $63,308,250 | 5,684 |
| Average equity | $9,186,750 | 5,222 |
| Average total loans | $36,364,500 | 5,735 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7916% | 6,159 |
| Cost of funding earning assets | 0.6015% | 4,887 |
| Net interest margin | 3.1901% | 5,770 |
| Noninterest income to average assets | 0.2972% | 5,426 |
| Noninterest expense to average assets | 2.6051% | 4,763 |
| Loan and lease loss provision to assets | 0.0421% | 5,146 |
| Net operating income to assets | 0.4907% | 4,860 |
| Return on assets (ROA) | 0.4907% | 5,112 |
| Pretax return on assets | 0.4907% | 5,466 |
| Return on Equity (ROE) | 3.8221% | 5,347 |
| Retained earnings to average equity (ytd only) | 3.5600% | 4,227 |
| Net charge-offs to loans | 0.0055% | 5,418 |
| Credit loss provision to net charge-offs | 1,500.0000% | 219 |
| Earnings coverage of net charge-offs (x) | 190.0000% | 235 |
| Efficiency ratio | 83.0206% | 1,742 |
| Assets per employee ($millions) | 2.9590% | 6,136 |
| Cash dividends to net income (ytd only)* | 6.8571% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3878% | 4,509 |
| Loan loss allowance to noncurrent loans | 52.1069% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 2.3235% | 2,408 |
| Noncurrent loans to loans | 2.6634% | 2,254 |
| Net loans and leases to total assets | 50.7287% | 5,260 |
| Net loans and leases to deposits | 58.8615% | 5,359 |
| Net loans and leases to core deposits | 58.8615% | 5,703 |
| Total domestic deposits to total assets | 86.1832% | 3,265 |
| Equity capital to assets | 13.0099% | 1,516 |
| Core capital (leverage) ratio | 12.9112% | 1,174 |
| Tier 1 risk-based capital ratio | 25.4841% | 855 |
| Total risk-based capital ratio | 26.7364% | 836 |
| Memoranda: | ||
| Average total assets | $71,321,330 | 5,687 |
| Average earning assets | $63,509,330 | 5,720 |
| Average equity | $9,157,330 | 5,228 |
| Average total loans | $36,232,670 | 5,775 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7553% | 6,337 |
| Cost of funding earning assets | 0.6290% | 4,900 |
| Net interest margin | 3.1263% | 5,965 |
| Noninterest income to average assets | 0.3134% | 5,373 |
| Noninterest expense to average assets | 2.5687% | 4,927 |
| Loan and lease loss provision to assets | 0.0392% | 4,898 |
| Net operating income to assets | 0.4869% | 4,884 |
| Return on assets (ROA) | 0.4869% | 5,085 |
| Pretax return on assets | 0.4869% | 5,474 |
| Return on Equity (ROE) | 3.8173% | 5,373 |
| Retained earnings to average equity (ytd only) | 3.5540% | 4,451 |
| Net charge-offs to loans | 0.0111% | 4,556 |
| Credit loss provision to net charge-offs | 700.0000% | 502 |
| Earnings coverage of net charge-offs (x) | 94.0000% | 361 |
| Efficiency ratio | 83.0018% | 1,801 |
| Assets per employee ($millions) | 3.1108% | 5,937 |
| Cash dividends to net income (ytd only)* | 6.8966% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 4,467 |
| Loan loss allowance to noncurrent loans | 50.3024% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 2.3564% | 2,524 |
| Noncurrent loans to loans | 2.8443% | 2,272 |
| Net loans and leases to total assets | 48.0482% | 5,547 |
| Net loans and leases to deposits | 55.5954% | 5,650 |
| Net loans and leases to core deposits | 55.5954% | 5,939 |
| Total domestic deposits to total assets | 86.4247% | 3,289 |
| Equity capital to assets | 12.7982% | 1,545 |
| Core capital (leverage) ratio | 12.5963% | 1,297 |
| Tier 1 risk-based capital ratio | 25.7017% | 833 |
| Total risk-based capital ratio | 26.9535% | 812 |
| Memoranda: | ||
| Average total assets | $71,474,500 | 5,729 |
| Average earning assets | $63,590,000 | 5,764 |
| Average equity | $9,116,500 | 5,257 |
| Average total loans | $36,083,000 | 5,823 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9600% | 6,529 |
| Cost of funding earning assets | 0.7759% | 5,032 |
| Net interest margin | 3.1840% | 6,143 |
| Noninterest income to average assets | 0.2504% | 5,741 |
| Noninterest expense to average assets | 2.6868% | 4,795 |
| Loan and lease loss provision to assets | 0.0429% | 6,039 |
| Net operating income to assets | 0.4149% | 4,793 |
| Return on assets (ROA) | 0.4149% | 4,980 |
| Pretax return on assets | 0.4149% | 5,241 |
| Return on Equity (ROE) | 3.1941% | 5,206 |
| Retained earnings to average equity (ytd only) | 0.6609% | 5,538 |
| Net charge-offs to loans | 0.1007% | 5,348 |
| Credit loss provision to net charge-offs | 81.0811% | 4,402 |
| Earnings coverage of net charge-offs (x) | 8.6486% | 2,114 |
| Efficiency ratio | 85.4413% | 1,626 |
| Assets per employee ($millions) | 3.4000% | 5,247 |
| Cash dividends to net income (ytd only)* | 79.3103% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 4,796 |
| Loan loss allowance to noncurrent loans | 97.6238% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 1.7031% | 3,395 |
| Noncurrent loans to loans | 1.3543% | 4,116 |
| Net loans and leases to total assets | 51.5350% | 5,382 |
| Net loans and leases to deposits | 59.7580% | 5,517 |
| Net loans and leases to core deposits | 59.7580% | 5,872 |
| Total domestic deposits to total assets | 86.2395% | 3,173 |
| Equity capital to assets | 12.7115% | 1,648 |
| Core capital (leverage) ratio | 12.5569% | 1,327 |
| Tier 1 risk-based capital ratio | 24.7897% | 889 |
| Total risk-based capital ratio | 26.0406% | 879 |
| Memoranda: | ||
| Average total assets | $69,898,200 | 5,741 |
| Average earning assets | $63,535,800 | 5,752 |
| Average equity | $9,079,200 | 5,260 |
| Average total loans | $36,759,000 | 5,838 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0415% | 6,525 |
| Cost of funding earning assets | 0.8134% | 5,063 |
| Net interest margin | 3.2282% | 6,088 |
| Noninterest income to average assets | 0.2148% | 6,073 |
| Noninterest expense to average assets | 2.7789% | 4,417 |
| Loan and lease loss provision to assets | 0.0422% | 5,910 |
| Net operating income to assets | 0.3318% | 5,285 |
| Return on assets (ROA) | 0.3318% | 5,451 |
| Pretax return on assets | 0.3318% | 5,641 |
| Return on Equity (ROE) | 2.5403% | 5,607 |
| Retained earnings to average equity (ytd only) | 1.9089% | 5,185 |
| Net charge-offs to loans | 0.1347% | 4,705 |
| Credit loss provision to net charge-offs | 59.4595% | 4,821 |
| Earnings coverage of net charge-offs (x) | 5.2704% | 2,829 |
| Efficiency ratio | 88.1387% | 1,331 |
| Assets per employee ($millions) | 3.3589% | 5,346 |
| Cash dividends to net income (ytd only)* | 24.8548% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 5,004 |
| Loan loss allowance to noncurrent loans | 95.4724% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 1.6496% | 3,613 |
| Noncurrent loans to loans | 1.3631% | 4,259 |
| Net loans and leases to total assets | 49.7787% | 5,732 |
| Net loans and leases to deposits | 57.3236% | 5,914 |
| Net loans and leases to core deposits | 57.3236% | 6,196 |
| Total domestic deposits to total assets | 86.8381% | 2,751 |
| Equity capital to assets | 12.3770% | 1,983 |
| Core capital (leverage) ratio | 12.7809% | 1,311 |
| Tier 1 risk-based capital ratio | 24.8108% | 931 |
| Total risk-based capital ratio | 26.0614% | 915 |
| Memoranda: | ||
| Average total assets | $69,522,750 | 5,794 |
| Average earning assets | $63,275,000 | 5,797 |
| Average equity | $9,080,000 | 5,284 |
| Average total loans | $36,626,500 | 5,890 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0955% | 6,501 |
| Cost of funding earning assets | 0.8593% | 4,986 |
| Net interest margin | 3.2361% | 6,043 |
| Noninterest income to average assets | 0.2791% | 5,649 |
| Noninterest expense to average assets | 2.8766% | 4,120 |
| Loan and lease loss provision to assets | 0.0441% | 5,764 |
| Net operating income to assets | 0.3350% | 5,230 |
| Return on assets (ROA) | 0.3350% | 5,367 |
| Pretax return on assets | 0.3350% | 5,582 |
| Return on Equity (ROE) | 2.5171% | 5,599 |
| Retained earnings to average equity (ytd only) | 1.7002% | 5,143 |
| Net charge-offs to loans | 0.2307% | 3,741 |
| Credit loss provision to net charge-offs | 35.7143% | 4,896 |
| Earnings coverage of net charge-offs (x) | 3.0714% | 3,319 |
| Efficiency ratio | 88.3574% | 1,373 |
| Assets per employee ($millions) | 3.0070% | 6,075 |
| Cash dividends to net income (ytd only)* | 32.4561% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 4,998 |
| Loan loss allowance to noncurrent loans | 100.2119% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 1.7958% | 3,514 |
| Noncurrent loans to loans | 1.3099% | 4,453 |
| Net loans and leases to total assets | 51.4156% | 5,643 |
| Net loans and leases to deposits | 59.7811% | 5,747 |
| Net loans and leases to core deposits | 59.7811% | 6,108 |
| Total domestic deposits to total assets | 86.0064% | 3,325 |
| Equity capital to assets | 13.1478% | 1,450 |
| Core capital (leverage) ratio | 13.3640% | 1,042 |
| Tier 1 risk-based capital ratio | 25.0807% | 899 |
| Total risk-based capital ratio | 26.3302% | 884 |
| Memoranda: | ||
| Average total assets | $68,065,330 | 5,885 |
| Average earning assets | $62,605,670 | 5,870 |
| Average equity | $9,058,000 | 5,308 |
| Average total loans | $36,412,330 | 5,959 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1565% | 6,375 |
| Cost of funding earning assets | 0.9499% | 4,567 |
| Net interest margin | 3.2066% | 6,050 |
| Noninterest income to average assets | 0.3436% | 5,169 |
| Noninterest expense to average assets | 2.8496% | 4,268 |
| Loan and lease loss provision to assets | 0.0415% | 5,469 |
| Net operating income to assets | 0.4325% | 4,791 |
| Return on assets (ROA) | 0.4325% | 4,876 |
| Pretax return on assets | 0.4325% | 5,238 |
| Return on Equity (ROE) | 3.2299% | 5,270 |
| Retained earnings to average equity (ytd only) | 2.1680% | 4,842 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7398% | 1,739 |
| Assets per employee ($millions) | 2.8256% | 6,488 |
| Cash dividends to net income (ytd only)* | 32.8767% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3872% | 4,733 |
| Loan loss allowance to noncurrent loans | 209.5041% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 1.5498% | 3,923 |
| Noncurrent loans to loans | 0.6621% | 5,706 |
| Net loans and leases to total assets | 53.1468% | 5,428 |
| Net loans and leases to deposits | 61.9570% | 5,501 |
| Net loans and leases to core deposits | 61.9570% | 5,932 |
| Total domestic deposits to total assets | 85.7802% | 3,649 |
| Equity capital to assets | 13.3674% | 1,231 |
| Core capital (leverage) ratio | 13.3724% | 1,003 |
| Tier 1 risk-based capital ratio | 25.9645% | 791 |
| Total risk-based capital ratio | 27.2162% | 772 |
| Memoranda: | ||
| Average total assets | $67,518,000 | 5,946 |
| Average earning assets | $62,745,000 | 5,902 |
| Average equity | $9,040,500 | 5,316 |
| Average total loans | $36,602,500 | 6,005 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5606% | 6,215 |
| Cost of funding earning assets | 1.2137% | 4,466 |
| Net interest margin | 3.3469% | 5,803 |
| Noninterest income to average assets | 0.1409% | 6,685 |
| Noninterest expense to average assets | 2.9458% | 4,051 |
| Loan and lease loss provision to assets | 0.0222% | 6,899 |
| Net operating income to assets | 0.2611% | 5,070 |
| Return on assets (ROA) | 0.2611% | 5,228 |
| Pretax return on assets | 0.2611% | 5,336 |
| Return on Equity (ROE) | 1.9714% | 5,387 |
| Retained earnings to average equity (ytd only) | 1.9714% | 4,482 |
| Net charge-offs to loans | 0.2512% | 4,784 |
| Credit loss provision to net charge-offs | 15.7895% | 6,587 |
| Earnings coverage of net charge-offs (x) | 2.0105% | 4,230 |
| Efficiency ratio | 91.2265% | 1,233 |
| Assets per employee ($millions) | 2.8009% | 6,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3640% | 4,680 |
| Loan loss allowance to noncurrent loans | 1,190.4762% | 319 |
| Noncurrent assets plus other real estate owned to assets | 1.2660% | 4,500 |
| Noncurrent loans to loans | 0.1146% | 6,857 |
| Net loans and leases to total assets | 53.7875% | 5,657 |
| Net loans and leases to deposits | 62.7878% | 5,768 |
| Net loans and leases to core deposits | 63.7836% | 6,070 |
| Total domestic deposits to total assets | 85.6654% | 3,516 |
| Equity capital to assets | 13.4123% | 1,213 |
| Core capital (leverage) ratio | 13.1759% | 1,068 |
| Tier 1 risk-based capital ratio | 25.4294% | 809 |
| Total risk-based capital ratio | 26.6817% | 783 |
| Memoranda: | ||
| Average total assets | $67,417,400 | 5,953 |
| Average earning assets | $62,207,200 | 5,913 |
| Average equity | $8,927,800 | 5,445 |
| Average total loans | $37,824,200 | 6,021 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5940% | 6,347 |
| Cost of funding earning assets | 1.2504% | 4,572 |
| Net interest margin | 3.3436% | 5,869 |
| Noninterest income to average assets | 0.0870% | 7,099 |
| Noninterest expense to average assets | 2.9328% | 3,973 |
| Loan and lease loss provision to assets | 0.0296% | 6,773 |
| Net operating income to assets | 0.2055% | 5,493 |
| Return on assets (ROA) | 0.2055% | 5,655 |
| Pretax return on assets | 0.2055% | 5,722 |
| Return on Equity (ROE) | 1.5570% | 5,751 |
| Retained earnings to average equity (ytd only) | 1.5570% | 5,176 |
| Net charge-offs to loans | 0.2169% | 4,641 |
| Credit loss provision to net charge-offs | 24.1935% | 6,208 |
| Earnings coverage of net charge-offs (x) | 1.9194% | 4,270 |
| Efficiency ratio | 92.5764% | 1,079 |
| Assets per employee ($millions) | 2.8767% | 6,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4682% | 4,114 |
| Loan loss allowance to noncurrent loans | 709.3333% | 475 |
| Noncurrent assets plus other real estate owned to assets | 1.2456% | 4,659 |
| Noncurrent loans to loans | 0.2070% | 6,768 |
| Net loans and leases to total assets | 51.7142% | 6,134 |
| Net loans and leases to deposits | 60.0037% | 6,316 |
| Net loans and leases to core deposits | 61.1967% | 6,526 |
| Total domestic deposits to total assets | 86.1850% | 2,983 |
| Equity capital to assets | 12.9546% | 1,601 |
| Core capital (leverage) ratio | 13.0335% | 1,216 |
| Tier 1 risk-based capital ratio | 25.9849% | 772 |
| Total risk-based capital ratio | 27.2371% | 760 |
| Memoranda: | ||
| Average total assets | $67,466,250 | 6,016 |
| Average earning assets | $62,166,750 | 5,988 |
| Average equity | $8,905,750 | 5,523 |
| Average total loans | $38,116,000 | 6,091 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7102% | 6,113 |
| Cost of funding earning assets | 1.2828% | 4,630 |
| Net interest margin | 3.4274% | 5,524 |
| Noninterest income to average assets | 0.2689% | 5,998 |
| Noninterest expense to average assets | 3.1132% | 3,251 |
| Loan and lease loss provision to assets | 0.0448% | 6,524 |
| Net operating income to assets | 0.2719% | 5,290 |
| Return on assets (ROA) | 0.2719% | 5,438 |
| Pretax return on assets | 0.2719% | 5,588 |
| Return on Equity (ROE) | 2.0466% | 5,621 |
| Retained earnings to average equity (ytd only) | 2.0466% | 4,837 |
| Net charge-offs to loans | 0.3097% | 3,768 |
| Credit loss provision to net charge-offs | 25.0000% | 5,803 |
| Earnings coverage of net charge-offs (x) | 1.7667% | 4,197 |
| Efficiency ratio | 90.7666% | 1,279 |
| Assets per employee ($millions) | 2.9390% | 6,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4070% | 4,390 |
| Loan loss allowance to noncurrent loans | 569.1489% | 571 |
| Noncurrent assets plus other real estate owned to assets | 1.4927% | 4,219 |
| Noncurrent loans to loans | 0.2472% | 6,735 |
| Net loans and leases to total assets | 55.4604% | 5,788 |
| Net loans and leases to deposits | 64.5861% | 5,970 |
| Net loans and leases to core deposits | 65.5677% | 6,279 |
| Total domestic deposits to total assets | 85.8705% | 3,165 |
| Equity capital to assets | 13.2123% | 1,467 |
| Core capital (leverage) ratio | 13.0448% | 1,191 |
| Tier 1 risk-based capital ratio | 25.0744% | 838 |
| Total risk-based capital ratio | 26.3294% | 819 |
| Memoranda: | ||
| Average total assets | $66,941,330 | 6,065 |
| Average earning assets | $61,738,330 | 6,035 |
| Average equity | $8,893,000 | 5,534 |
| Average total loans | $38,742,670 | 6,104 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8304% | 5,764 |
| Cost of funding earning assets | 1.3103% | 4,753 |
| Net interest margin | 3.5201% | 5,088 |
| Noninterest income to average assets | 0.3002% | 5,747 |
| Noninterest expense to average assets | 3.0804% | 3,348 |
| Loan and lease loss provision to assets | 0.0540% | 6,122 |
| Net operating income to assets | 0.4083% | 4,801 |
| Return on assets (ROA) | 0.4083% | 4,950 |
| Pretax return on assets | 0.4083% | 5,271 |
| Return on Equity (ROE) | 3.0651% | 5,310 |
| Retained earnings to average equity (ytd only) | 3.0651% | 4,299 |
| Net charge-offs to loans | 0.6138% | 2,282 |
| Credit loss provision to net charge-offs | 15.0000% | 4,997 |
| Earnings coverage of net charge-offs (x) | 1.2833% | 3,982 |
| Efficiency ratio | 86.9492% | 1,693 |
| Assets per employee ($millions) | 2.9356% | 6,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3745% | 4,549 |
| Loan loss allowance to noncurrent loans | 562.7660% | 572 |
| Noncurrent assets plus other real estate owned to assets | 1.5936% | 4,106 |
| Noncurrent loans to loans | 0.2442% | 6,855 |
| Net loans and leases to total assets | 56.2191% | 5,711 |
| Net loans and leases to deposits | 65.4335% | 5,883 |
| Net loans and leases to core deposits | 66.8922% | 6,218 |
| Total domestic deposits to total assets | 85.9178% | 3,200 |
| Equity capital to assets | 13.1935% | 1,444 |
| Core capital (leverage) ratio | 13.3285% | 1,122 |
| Tier 1 risk-based capital ratio | 24.3262% | 930 |
| Total risk-based capital ratio | 25.5769% | 909 |
| Memoranda: | ||
| Average total assets | $66,614,000 | 6,148 |
| Average earning assets | $61,361,500 | 6,115 |
| Average equity | $8,874,000 | 5,577 |
| Average total loans | $39,102,000 | 6,163 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4331% | 4,521 |
| Cost of funding earning assets | 1.5564% | 5,249 |
| Net interest margin | 3.8767% | 3,365 |
| Noninterest income to average assets | 0.2884% | 6,046 |
| Noninterest expense to average assets | 3.2794% | 3,081 |
| Loan and lease loss provision to assets | 0.0982% | 6,636 |
| Net operating income to assets | 0.4755% | 3,834 |
| Return on assets (ROA) | 0.4755% | 3,938 |
| Pretax return on assets | 0.4755% | 4,262 |
| Return on Equity (ROE) | 3.4421% | 4,312 |
| Retained earnings to average equity (ytd only) | -3.3422% | 5,761 |
| Net charge-offs to loans | 0.0697% | 6,421 |
| Credit loss provision to net charge-offs | 228.5714% | 1,615 |
| Earnings coverage of net charge-offs (x) | 13.3571% | 1,432 |
| Efficiency ratio | 85.1115% | 2,209 |
| Assets per employee ($millions) | 2.8570% | 6,550 |
| Cash dividends to net income (ytd only)* | 197.0968% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4603% | 3,923 |
| Loan loss allowance to noncurrent loans | 297.4359% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 1.7653% | 3,728 |
| Noncurrent loans to loans | 0.4910% | 6,272 |
| Net loans and leases to total assets | 59.5602% | 5,408 |
| Net loans and leases to deposits | 69.5967% | 5,657 |
| Net loans and leases to core deposits | 79.8437% | 6,115 |
| Total domestic deposits to total assets | 85.5791% | 3,239 |
| Equity capital to assets | 13.4531% | 1,342 |
| Core capital (leverage) ratio | 13.7248% | 1,037 |
| Tier 1 risk-based capital ratio | 21.6847% | 1,189 |
| Total risk-based capital ratio | 22.9358% | 1,164 |
| Memoranda: | ||
| Average total assets | $65,194,600 | 6,160 |
| Average earning assets | $59,947,200 | 6,127 |
| Average equity | $9,006,000 | 5,600 |
| Average total loans | $40,173,000 | 6,101 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5767% | 3,995 |
| Cost of funding earning assets | 1.6131% | 5,344 |
| Net interest margin | 3.9636% | 2,976 |
| Noninterest income to average assets | 0.2848% | 6,194 |
| Noninterest expense to average assets | 3.2745% | 3,012 |
| Loan and lease loss provision to assets | 0.1127% | 6,241 |
| Net operating income to assets | 0.5430% | 3,818 |
| Return on assets (ROA) | 0.5430% | 3,902 |
| Pretax return on assets | 0.5430% | 4,387 |
| Return on Equity (ROE) | 3.9052% | 4,413 |
| Retained earnings to average equity (ytd only) | -2.8589% | 5,912 |
| Net charge-offs to loans | 0.0927% | 5,753 |
| Credit loss provision to net charge-offs | 196.4286% | 2,286 |
| Earnings coverage of net charge-offs (x) | 11.4294% | 1,853 |
| Efficiency ratio | 83.3160% | 2,386 |
| Assets per employee ($millions) | 2.8235% | 6,600 |
| Cash dividends to net income (ytd only)* | 173.2084% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 3,757 |
| Loan loss allowance to noncurrent loans | 211.4815% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 1.9017% | 3,502 |
| Noncurrent loans to loans | 0.6794% | 5,941 |
| Net loans and leases to total assets | 60.3132% | 5,535 |
| Net loans and leases to deposits | 70.7348% | 5,823 |
| Net loans and leases to core deposits | 80.9357% | 6,276 |
| Total domestic deposits to total assets | 85.2666% | 3,091 |
| Equity capital to assets | 13.7771% | 1,384 |
| Core capital (leverage) ratio | 13.8336% | 1,134 |
| Tier 1 risk-based capital ratio | 21.9488% | 1,232 |
| Total risk-based capital ratio | 23.2000% | 1,209 |
| Memoranda: | ||
| Average total assets | $65,065,750 | 6,207 |
| Average earning assets | $59,842,750 | 6,175 |
| Average equity | $9,047,500 | 5,648 |
| Average total loans | $40,287,000 | 6,142 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6931% | 3,582 |
| Cost of funding earning assets | 1.6852% | 5,346 |
| Net interest margin | 4.0078% | 2,666 |
| Noninterest income to average assets | 0.2089% | 6,800 |
| Noninterest expense to average assets | 3.2961% | 2,975 |
| Loan and lease loss provision to assets | 0.1413% | 5,658 |
| Net operating income to assets | 0.4608% | 4,249 |
| Return on assets (ROA) | 0.4608% | 4,366 |
| Pretax return on assets | 0.4608% | 4,747 |
| Return on Equity (ROE) | 3.3036% | 4,786 |
| Retained earnings to average equity (ytd only) | -3.4137% | 6,033 |
| Net charge-offs to loans | 0.1038% | 5,124 |
| Credit loss provision to net charge-offs | 219.0476% | 2,100 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 2,142 |
| Efficiency ratio | 84.5548% | 2,412 |
| Assets per employee ($millions) | 2.7919% | 6,646 |
| Cash dividends to net income (ytd only)* | 203.3333% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4351% | 3,547 |
| Loan loss allowance to noncurrent loans | 474.1667% | 691 |
| Noncurrent assets plus other real estate owned to assets | 1.6803% | 3,670 |
| Noncurrent loans to loans | 0.3026% | 6,761 |
| Net loans and leases to total assets | 60.8606% | 5,543 |
| Net loans and leases to deposits | 71.6425% | 5,790 |
| Net loans and leases to core deposits | 82.4042% | 6,208 |
| Total domestic deposits to total assets | 84.9503% | 3,290 |
| Equity capital to assets | 13.9938% | 1,312 |
| Core capital (leverage) ratio | 13.8389% | 1,180 |
| Tier 1 risk-based capital ratio | 22.5682% | 1,179 |
| Total risk-based capital ratio | 23.8215% | 1,147 |
| Memoranda: | ||
| Average total assets | $65,107,330 | 6,256 |
| Average earning assets | $59,932,670 | 6,228 |
| Average equity | $9,081,000 | 5,656 |
| Average total loans | $40,469,670 | 6,183 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8042% | 3,275 |
| Cost of funding earning assets | 1.7651% | 5,289 |
| Net interest margin | 4.0392% | 2,494 |
| Noninterest income to average assets | 0.4576% | 4,703 |
| Noninterest expense to average assets | 3.2279% | 2,866 |
| Loan and lease loss provision to assets | 0.1770% | 4,692 |
| Net operating income to assets | 0.7810% | 3,207 |
| Return on assets (ROA) | 0.7810% | 3,373 |
| Pretax return on assets | 0.7810% | 4,147 |
| Return on Equity (ROE) | 5.6088% | 4,211 |
| Retained earnings to average equity (ytd only) | -1.0955% | 5,913 |
| Net charge-offs to loans | 0.2055% | 3,403 |
| Credit loss provision to net charge-offs | 138.0952% | 2,940 |
| Earnings coverage of net charge-offs (x) | 7.4762% | 2,341 |
| Efficiency ratio | 77.1137% | 3,313 |
| Assets per employee ($millions) | 2.7616% | 6,734 |
| Cash dividends to net income (ytd only)* | 119.5313% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3547% | 3,768 |
| Loan loss allowance to noncurrent loans | 154.1899% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 2.0399% | 2,836 |
| Noncurrent loans to loans | 0.8786% | 5,257 |
| Net loans and leases to total assets | 60.6476% | 5,553 |
| Net loans and leases to deposits | 71.1194% | 5,855 |
| Net loans and leases to core deposits | 81.4789% | 6,267 |
| Total domestic deposits to total assets | 85.2757% | 3,075 |
| Equity capital to assets | 13.7542% | 1,438 |
| Core capital (leverage) ratio | 13.8520% | 1,221 |
| Tier 1 risk-based capital ratio | 22.1644% | 1,285 |
| Total risk-based capital ratio | 23.4020% | 1,251 |
| Memoranda: | ||
| Average total assets | $65,554,000 | 6,271 |
| Average earning assets | $60,507,500 | 6,235 |
| Average equity | $9,128,500 | 5,652 |
| Average total loans | $40,879,500 | 6,202 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1955% | 4,538 |
| Cost of funding earning assets | 2.1417% | 5,870 |
| Net interest margin | 4.0538% | 2,901 |
| Noninterest income to average assets | 0.6384% | 3,567 |
| Noninterest expense to average assets | 3.1794% | 3,416 |
| Loan and lease loss provision to assets | 0.2575% | 4,339 |
| Net operating income to assets | 0.9833% | 2,616 |
| Return on assets (ROA) | 0.9833% | 2,503 |
| Pretax return on assets | 0.9505% | 3,552 |
| Return on Equity (ROE) | 6.8617% | 3,598 |
| Retained earnings to average equity (ytd only) | 0.2069% | 5,104 |
| Net charge-offs to loans | 0.0895% | 5,466 |
| Credit loss provision to net charge-offs | 434.2105% | 1,006 |
| Earnings coverage of net charge-offs (x) | 20.3684% | 1,576 |
| Efficiency ratio | 72.4653% | 3,849 |
| Assets per employee ($millions) | 2.7013% | 6,784 |
| Cash dividends to net income (ytd only)* | 96.9841% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3265% | 3,611 |
| Loan loss allowance to noncurrent loans | 76.0839% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 2.5945% | 1,858 |
| Noncurrent loans to loans | 1.7434% | 3,151 |
| Net loans and leases to total assets | 62.4202% | 5,553 |
| Net loans and leases to deposits | 73.5657% | 5,890 |
| Net loans and leases to core deposits | 84.0803% | 6,288 |
| Total domestic deposits to total assets | 84.8496% | 2,915 |
| Equity capital to assets | 14.1000% | 1,398 |
| Core capital (leverage) ratio | 14.1486% | 1,230 |
| Tier 1 risk-based capital ratio | 22.2929% | 1,280 |
| Total risk-based capital ratio | 23.5660% | 1,250 |
| Memoranda: | ||
| Average total assets | $64,068,400 | 6,229 |
| Average earning assets | $59,252,800 | 6,206 |
| Average equity | $9,181,400 | 5,680 |
| Average total loans | $42,463,000 | 6,050 |