Home > First Tuskegee Bank > Performance and Condition Ratios
First Tuskegee Bank, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8836% | 950 |
| Cost of funding earning assets | 0.2906% | 4,882 |
| Net interest margin | 4.5929% | 623 |
| Noninterest income to average assets | 1.0043% | 1,203 |
| Noninterest expense to average assets | 6.1342% | 171 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -1.2816% | 6,410 |
| Return on assets (ROA) | -1.0470% | 6,388 |
| Pretax return on assets | -1.0470% | 6,380 |
| Return on Equity (ROE) | -13.1309% | 6,396 |
| Retained earnings to average equity (ytd only) | -13.1309% | 6,362 |
| Net charge-offs to loans | 0.4037% | 1,063 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -6.1102% | 4,897 |
| Efficiency ratio | 126.4103% | 100 |
| Assets per employee ($millions) | 2.0130% | 6,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3218% | 3,307 |
| Loan loss allowance to noncurrent loans | 19.4503% | 5,838 |
| Noncurrent assets plus other real estate owned to assets | 10.1913% | 85 |
| Noncurrent loans to loans | 6.7957% | 148 |
| Net loans and leases to total assets | 52.4905% | 4,742 |
| Net loans and leases to deposits | 58.3874% | 5,039 |
| Net loans and leases to core deposits | 63.0158% | 4,919 |
| Total domestic deposits to total assets | 89.9005% | 774 |
| Equity capital to assets | 8.0819% | 6,022 |
| Core capital (leverage) ratio | 8.0022% | 6,004 |
| Tier 1 risk-based capital ratio | 12.7712% | 4,873 |
| Total risk-based capital ratio | 13.8711% | 4,874 |
| Memoranda: | ||
| Average total assets | $56,258,400 | 5,647 |
| Average earning assets | $47,137,800 | 5,751 |
| Average equity | $4,485,600 | 5,991 |
| Average total loans | $29,230,000 | 5,589 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8725% | 988 |
| Cost of funding earning assets | 0.2940% | 4,935 |
| Net interest margin | 4.5785% | 645 |
| Noninterest income to average assets | 1.3697% | 661 |
| Noninterest expense to average assets | 6.1705% | 172 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.9550% | 6,457 |
| Return on assets (ROA) | -0.8269% | 6,438 |
| Pretax return on assets | -0.8269% | 6,424 |
| Return on Equity (ROE) | -10.4038% | 6,444 |
| Retained earnings to average equity (ytd only) | -10.4038% | 6,379 |
| Net charge-offs to loans | 0.3741% | 1,067 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -4.9399% | 4,607 |
| Efficiency ratio | 118.3117% | 140 |
| Assets per employee ($millions) | 2.1352% | 6,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3958% | 3,199 |
| Loan loss allowance to noncurrent loans | 30.1421% | 5,726 |
| Noncurrent assets plus other real estate owned to assets | 9.8550% | 93 |
| Noncurrent loans to loans | 4.6308% | 417 |
| Net loans and leases to total assets | 51.2816% | 4,873 |
| Net loans and leases to deposits | 56.9779% | 5,177 |
| Net loans and leases to core deposits | 61.2184% | 5,098 |
| Total domestic deposits to total assets | 90.0027% | 729 |
| Equity capital to assets | 8.0141% | 6,128 |
| Core capital (leverage) ratio | 8.0037% | 6,067 |
| Tier 1 risk-based capital ratio | 12.7475% | 5,011 |
| Total risk-based capital ratio | 13.8876% | 4,990 |
| Memoranda: | ||
| Average total assets | $57,238,250 | 5,685 |
| Average earning assets | $48,078,500 | 5,787 |
| Average equity | $4,549,500 | 6,036 |
| Average total loans | $29,577,250 | 5,635 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8868% | 933 |
| Cost of funding earning assets | 0.2974% | 4,995 |
| Net interest margin | 4.5894% | 599 |
| Noninterest income to average assets | 1.6121% | 488 |
| Noninterest expense to average assets | 6.3377% | 163 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.8822% | 6,516 |
| Return on assets (ROA) | -0.7092% | 6,484 |
| Pretax return on assets | -0.7092% | 6,472 |
| Return on Equity (ROE) | -8.9461% | 6,502 |
| Retained earnings to average equity (ytd only) | -8.9461% | 6,397 |
| Net charge-offs to loans | 0.6172% | 642 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -2.7717% | 4,260 |
| Efficiency ratio | 116.1699% | 176 |
| Assets per employee ($millions) | 2.1974% | 6,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3610% | 3,537 |
| Loan loss allowance to noncurrent loans | 34.1421% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 9.4324% | 107 |
| Noncurrent loans to loans | 3.9862% | 595 |
| Net loans and leases to total assets | 49.9816% | 4,965 |
| Net loans and leases to deposits | 55.5359% | 5,234 |
| Net loans and leases to core deposits | 59.0159% | 5,203 |
| Total domestic deposits to total assets | 89.9988% | 815 |
| Equity capital to assets | 8.0934% | 6,101 |
| Core capital (leverage) ratio | 8.1393% | 5,993 |
| Tier 1 risk-based capital ratio | 13.0280% | 4,890 |
| Total risk-based capital ratio | 14.1303% | 4,924 |
| Memoranda: | ||
| Average total assets | $57,812,670 | 5,716 |
| Average earning assets | $48,416,000 | 5,830 |
| Average equity | $4,583,000 | 6,069 |
| Average total loans | $29,812,330 | 5,666 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8577% | 931 |
| Cost of funding earning assets | 0.2954% | 5,111 |
| Net interest margin | 4.5623% | 593 |
| Noninterest income to average assets | 1.5064% | 519 |
| Noninterest expense to average assets | 6.9060% | 145 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.5752% | 6,638 |
| Return on assets (ROA) | -1.5752% | 6,632 |
| Pretax return on assets | -1.5752% | 6,619 |
| Return on Equity (ROE) | -20.0767% | 6,629 |
| Retained earnings to average equity (ytd only) | -20.0767% | 6,532 |
| Net charge-offs to loans | 0.7010% | 514 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -4.3208% | 3,571 |
| Efficiency ratio | 129.5484% | 119 |
| Assets per employee ($millions) | 2.2421% | 6,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4505% | 3,365 |
| Loan loss allowance to noncurrent loans | 15.7397% | 6,131 |
| Noncurrent assets plus other real estate owned to assets | 11.4935% | 84 |
| Noncurrent loans to loans | 9.2158% | 117 |
| Net loans and leases to total assets | 50.4649% | 4,854 |
| Net loans and leases to deposits | 55.7920% | 5,132 |
| Net loans and leases to core deposits | 59.7077% | 5,064 |
| Total domestic deposits to total assets | 90.4518% | 828 |
| Equity capital to assets | 7.7315% | 6,219 |
| Core capital (leverage) ratio | 8.0096% | 6,111 |
| Tier 1 risk-based capital ratio | 12.6876% | 5,197 |
| Total risk-based capital ratio | 13.8734% | 5,176 |
| Memoranda: | ||
| Average total assets | $58,152,500 | 5,762 |
| Average earning assets | $48,747,000 | 5,874 |
| Average equity | $4,562,500 | 6,111 |
| Average total loans | $30,243,500 | 5,711 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3970% | 2,602 |
| Cost of funding earning assets | 0.3489% | 5,145 |
| Net interest margin | 4.0482% | 1,811 |
| Noninterest income to average assets | 1.4060% | 714 |
| Noninterest expense to average assets | 5.7470% | 226 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.8931% | 6,586 |
| Return on assets (ROA) | -0.8881% | 6,587 |
| Pretax return on assets | -0.8881% | 6,572 |
| Return on Equity (ROE) | -10.8957% | 6,594 |
| Retained earnings to average equity (ytd only) | -10.8957% | 6,551 |
| Net charge-offs to loans | 0.1305% | 3,507 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -12.5116% | 5,433 |
| Efficiency ratio | 118.3995% | 189 |
| Assets per employee ($millions) | 2.0004% | 6,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5864% | 2,813 |
| Loan loss allowance to noncurrent loans | 13.5982% | 6,252 |
| Noncurrent assets plus other real estate owned to assets | 13.4371% | 63 |
| Noncurrent loans to loans | 11.6660% | 81 |
| Net loans and leases to total assets | 51.9729% | 4,852 |
| Net loans and leases to deposits | 57.7498% | 5,148 |
| Net loans and leases to core deposits | 62.1688% | 5,042 |
| Total domestic deposits to total assets | 89.9967% | 1,082 |
| Equity capital to assets | 7.9606% | 6,049 |
| Core capital (leverage) ratio | 8.3882% | 5,793 |
| Tier 1 risk-based capital ratio | 12.9318% | 5,026 |
| Total risk-based capital ratio | 14.1816% | 4,978 |
| Memoranda: | ||
| Average total assets | $60,240,200 | 5,747 |
| Average earning assets | $51,307,200 | 5,852 |
| Average equity | $4,910,200 | 6,085 |
| Average total loans | $32,953,600 | 5,623 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3497% | 2,787 |
| Cost of funding earning assets | 0.3582% | 5,212 |
| Net interest margin | 3.9915% | 1,975 |
| Noninterest income to average assets | 1.0351% | 1,362 |
| Noninterest expense to average assets | 6.7962% | 155 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -2.3399% | 6,816 |
| Return on assets (ROA) | -2.3334% | 6,817 |
| Pretax return on assets | -2.3334% | 6,811 |
| Return on Equity (ROE) | -28.4680% | 6,807 |
| Retained earnings to average equity (ytd only) | -28.4680% | 6,799 |
| Net charge-offs to loans | -0.0040% | 5,752 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 152.5098% | 70 |
| Assets per employee ($millions) | 2.0424% | 6,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6742% | 2,713 |
| Loan loss allowance to noncurrent loans | 11.9316% | 6,343 |
| Noncurrent assets plus other real estate owned to assets | 14.6950% | 55 |
| Noncurrent loans to loans | 14.0317% | 52 |
| Net loans and leases to total assets | 52.5519% | 4,813 |
| Net loans and leases to deposits | 57.6053% | 5,226 |
| Net loans and leases to core deposits | 61.8446% | 5,132 |
| Total domestic deposits to total assets | 91.2276% | 448 |
| Equity capital to assets | 6.9322% | 6,570 |
| Core capital (leverage) ratio | 7.2631% | 6,523 |
| Tier 1 risk-based capital ratio | 11.5371% | 6,042 |
| Total risk-based capital ratio | 12.7886% | 6,009 |
| Memoranda: | ||
| Average total assets | $60,797,500 | 5,798 |
| Average earning assets | $52,110,000 | 5,899 |
| Average equity | $4,983,250 | 6,141 |
| Average total loans | $33,533,000 | 5,653 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3156% | 2,885 |
| Cost of funding earning assets | 0.3641% | 5,280 |
| Net interest margin | 3.9516% | 2,040 |
| Noninterest income to average assets | 1.1546% | 1,143 |
| Noninterest expense to average assets | 5.3425% | 285 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.7893% | 6,711 |
| Return on assets (ROA) | -0.7795% | 6,720 |
| Pretax return on assets | -0.7795% | 6,703 |
| Return on Equity (ROE) | -9.0605% | 6,725 |
| Retained earnings to average equity (ytd only) | -9.0605% | 6,640 |
| Net charge-offs to loans | 0.0117% | 4,636 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -121.0000% | 4,905 |
| Efficiency ratio | 117.3352% | 205 |
| Assets per employee ($millions) | 2.0828% | 6,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5799% | 3,226 |
| Loan loss allowance to noncurrent loans | 10.2171% | 6,420 |
| Noncurrent assets plus other real estate owned to assets | 15.5695% | 53 |
| Noncurrent loans to loans | 15.4630% | 45 |
| Net loans and leases to total assets | 54.3543% | 4,538 |
| Net loans and leases to deposits | 60.4003% | 4,928 |
| Net loans and leases to core deposits | 64.8135% | 4,812 |
| Total domestic deposits to total assets | 89.9901% | 1,025 |
| Equity capital to assets | 8.2384% | 6,030 |
| Core capital (leverage) ratio | 8.4139% | 5,758 |
| Tier 1 risk-based capital ratio | 13.1053% | 5,065 |
| Total risk-based capital ratio | 14.3554% | 5,011 |
| Memoranda: | ||
| Average total assets | $61,319,670 | 5,827 |
| Average earning assets | $52,738,330 | 5,912 |
| Average equity | $5,275,670 | 6,104 |
| Average total loans | $34,158,330 | 5,656 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3778% | 2,602 |
| Cost of funding earning assets | 0.3761% | 5,319 |
| Net interest margin | 4.0017% | 1,773 |
| Noninterest income to average assets | 1.1007% | 1,219 |
| Noninterest expense to average assets | 5.5617% | 258 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.0165% | 6,812 |
| Return on assets (ROA) | -1.0165% | 6,822 |
| Pretax return on assets | -1.0165% | 6,805 |
| Return on Equity (ROE) | -11.5750% | 6,830 |
| Retained earnings to average equity (ytd only) | -11.5750% | 6,669 |
| Net charge-offs to loans | -0.0810% | 6,359 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.3647% | 199 |
| Assets per employee ($millions) | 2.1718% | 6,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5902% | 3,441 |
| Loan loss allowance to noncurrent loans | 11.4898% | 6,483 |
| Noncurrent assets plus other real estate owned to assets | 14.1483% | 87 |
| Noncurrent loans to loans | 13.8399% | 97 |
| Net loans and leases to total assets | 52.6666% | 4,604 |
| Net loans and leases to deposits | 59.3643% | 4,866 |
| Net loans and leases to core deposits | 63.5728% | 4,784 |
| Total domestic deposits to total assets | 88.7176% | 1,860 |
| Equity capital to assets | 8.4864% | 6,030 |
| Core capital (leverage) ratio | 8.5289% | 5,548 |
| Tier 1 risk-based capital ratio | 13.1698% | 5,089 |
| Total risk-based capital ratio | 14.4214% | 5,043 |
| Memoranda: | ||
| Average total assets | $61,779,500 | 5,867 |
| Average earning assets | $53,177,500 | 5,935 |
| Average equity | $5,425,500 | 6,133 |
| Average total loans | $34,559,000 | 5,686 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8442% | 2,041 |
| Cost of funding earning assets | 0.4706% | 5,419 |
| Net interest margin | 4.3736% | 1,220 |
| Noninterest income to average assets | 1.2134% | 1,063 |
| Noninterest expense to average assets | 5.1613% | 344 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.2467% | 6,408 |
| Return on assets (ROA) | -0.0141% | 6,319 |
| Pretax return on assets | -0.0141% | 6,299 |
| Return on Equity (ROE) | -0.1614% | 6,322 |
| Retained earnings to average equity (ytd only) | -0.1614% | 5,879 |
| Net charge-offs to loans | 0.1164% | 4,524 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -3.7619% | 5,890 |
| Efficiency ratio | 105.0207% | 424 |
| Assets per employee ($millions) | 2.0192% | 6,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 3,769 |
| Loan loss allowance to noncurrent loans | 10.6761% | 6,542 |
| Noncurrent assets plus other real estate owned to assets | 15.2882% | 77 |
| Noncurrent loans to loans | 13.9928% | 101 |
| Net loans and leases to total assets | 57.5839% | 4,048 |
| Net loans and leases to deposits | 64.2382% | 4,504 |
| Net loans and leases to core deposits | 68.5924% | 4,468 |
| Total domestic deposits to total assets | 89.6411% | 1,163 |
| Equity capital to assets | 9.0894% | 5,419 |
| Core capital (leverage) ratio | 8.8784% | 5,065 |
| Tier 1 risk-based capital ratio | 13.3411% | 4,868 |
| Total risk-based capital ratio | 14.5919% | 4,821 |
| Memoranda: | ||
| Average total assets | $64,034,600 | 5,814 |
| Average earning assets | $54,188,600 | 5,922 |
| Average equity | $5,574,800 | 6,127 |
| Average total loans | $36,080,600 | 5,676 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9066% | 1,987 |
| Cost of funding earning assets | 0.4899% | 5,507 |
| Net interest margin | 4.4167% | 1,170 |
| Noninterest income to average assets | 1.3847% | 781 |
| Noninterest expense to average assets | 5.2716% | 307 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.1643% | 6,467 |
| Return on assets (ROA) | 0.0205% | 6,384 |
| Pretax return on assets | 0.0205% | 6,376 |
| Return on Equity (ROE) | 0.2384% | 6,375 |
| Retained earnings to average equity (ytd only) | 0.2384% | 6,007 |
| Net charge-offs to loans | -0.2023% | 6,992 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.2180% | 440 |
| Assets per employee ($millions) | 2.0364% | 6,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7691% | 2,902 |
| Loan loss allowance to noncurrent loans | 15.6227% | 6,585 |
| Noncurrent assets plus other real estate owned to assets | 14.6292% | 96 |
| Noncurrent loans to loans | 11.3240% | 190 |
| Net loans and leases to total assets | 55.0620% | 4,588 |
| Net loans and leases to deposits | 60.6424% | 5,131 |
| Net loans and leases to core deposits | 64.5203% | 5,097 |
| Total domestic deposits to total assets | 90.7979% | 476 |
| Equity capital to assets | 8.9661% | 5,855 |
| Core capital (leverage) ratio | 8.6218% | 5,593 |
| Tier 1 risk-based capital ratio | 13.1123% | 5,160 |
| Total risk-based capital ratio | 14.3667% | 5,116 |
| Memoranda: | ||
| Average total assets | $64,899,250 | 5,851 |
| Average earning assets | $54,700,000 | 5,972 |
| Average equity | $5,592,000 | 6,194 |
| Average total loans | $36,248,000 | 5,738 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8101% | 2,461 |
| Cost of funding earning assets | 0.5046% | 5,589 |
| Net interest margin | 4.3055% | 1,465 |
| Noninterest income to average assets | 1.5728% | 596 |
| Noninterest expense to average assets | 5.3596% | 299 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.1649% | 6,506 |
| Return on assets (ROA) | 0.1099% | 6,296 |
| Pretax return on assets | 0.1099% | 6,308 |
| Return on Equity (ROE) | 1.2928% | 6,238 |
| Retained earnings to average equity (ytd only) | 1.2928% | 5,547 |
| Net charge-offs to loans | -0.3449% | 7,089 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.1746% | 453 |
| Assets per employee ($millions) | 2.0716% | 7,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7560% | 3,002 |
| Loan loss allowance to noncurrent loans | 15.6350% | 6,629 |
| Noncurrent assets plus other real estate owned to assets | 14.5575% | 110 |
| Noncurrent loans to loans | 11.2311% | 203 |
| Net loans and leases to total assets | 55.2327% | 4,587 |
| Net loans and leases to deposits | 60.6363% | 5,180 |
| Net loans and leases to core deposits | 65.0176% | 5,106 |
| Total domestic deposits to total assets | 91.0886% | 419 |
| Equity capital to assets | 8.7370% | 5,986 |
| Core capital (leverage) ratio | 8.6271% | 5,479 |
| Tier 1 risk-based capital ratio | 12.7921% | 5,346 |
| Total risk-based capital ratio | 14.0449% | 5,316 |
| Memoranda: | ||
| Average total assets | $65,490,000 | 5,863 |
| Average earning assets | $55,092,330 | 5,993 |
| Average equity | $5,569,330 | 6,225 |
| Average total loans | $36,535,670 | 5,759 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8585% | 2,405 |
| Cost of funding earning assets | 0.5382% | 5,561 |
| Net interest margin | 4.3203% | 1,406 |
| Noninterest income to average assets | 2.1838% | 355 |
| Noninterest expense to average assets | 5.3717% | 285 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4537% | 5,018 |
| Return on assets (ROA) | 0.4537% | 5,207 |
| Pretax return on assets | 0.4537% | 5,572 |
| Return on Equity (ROE) | 5.4069% | 4,591 |
| Retained earnings to average equity (ytd only) | 5.4069% | 3,311 |
| Net charge-offs to loans | -0.2612% | 7,036 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2118% | 935 |
| Assets per employee ($millions) | 2.0386% | 7,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6226% | 3,636 |
| Loan loss allowance to noncurrent loans | 14.6914% | 6,694 |
| Noncurrent assets plus other real estate owned to assets | 14.3315% | 120 |
| Noncurrent loans to loans | 11.0445% | 246 |
| Net loans and leases to total assets | 55.3009% | 4,511 |
| Net loans and leases to deposits | 60.6201% | 5,077 |
| Net loans and leases to core deposits | 64.9170% | 5,023 |
| Total domestic deposits to total assets | 91.2254% | 467 |
| Equity capital to assets | 8.6243% | 5,960 |
| Core capital (leverage) ratio | 8.4209% | 5,715 |
| Tier 1 risk-based capital ratio | 12.5653% | 5,552 |
| Total risk-based capital ratio | 13.8173% | 5,516 |
| Memoranda: | ||
| Average total assets | $66,124,500 | 5,883 |
| Average earning assets | $55,737,500 | 6,011 |
| Average equity | $5,548,500 | 6,259 |
| Average total loans | $36,751,000 | 5,791 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0958% | 2,470 |
| Cost of funding earning assets | 0.7484% | 5,223 |
| Net interest margin | 4.3473% | 1,553 |
| Noninterest income to average assets | 1.5900% | 534 |
| Noninterest expense to average assets | 4.9028% | 406 |
| Loan and lease loss provision to assets | 0.4766% | 2,218 |
| Net operating income to assets | -0.4405% | 6,445 |
| Return on assets (ROA) | -0.4405% | 6,494 |
| Pretax return on assets | -0.1487% | 6,245 |
| Return on Equity (ROE) | -5.4579% | 6,556 |
| Retained earnings to average equity (ytd only) | -5.4579% | 6,482 |
| Net charge-offs to loans | 1.1777% | 1,434 |
| Credit loss provision to net charge-offs | 75.0000% | 4,670 |
| Earnings coverage of net charge-offs (x) | 0.5159% | 5,444 |
| Efficiency ratio | 93.7327% | 940 |
| Assets per employee ($millions) | 2.2338% | 7,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5503% | 3,793 |
| Loan loss allowance to noncurrent loans | 14.3539% | 6,760 |
| Noncurrent assets plus other real estate owned to assets | 13.8432% | 158 |
| Noncurrent loans to loans | 10.8004% | 274 |
| Net loans and leases to total assets | 54.1088% | 5,023 |
| Net loans and leases to deposits | 62.0026% | 5,244 |
| Net loans and leases to core deposits | 66.7827% | 5,179 |
| Total domestic deposits to total assets | 87.2685% | 2,598 |
| Equity capital to assets | 8.1638% | 6,471 |
| Core capital (leverage) ratio | 8.1488% | 6,074 |
| Tier 1 risk-based capital ratio | 12.0107% | 5,828 |
| Total risk-based capital ratio | 13.2615% | 5,802 |
| Memoranda: | ||
| Average total assets | $69,246,000 | 5,767 |
| Average earning assets | $57,989,400 | 5,933 |
| Average equity | $5,588,200 | 6,262 |
| Average total loans | $37,361,800 | 5,817 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1642% | 2,330 |
| Cost of funding earning assets | 0.7926% | 5,192 |
| Net interest margin | 4.3717% | 1,486 |
| Noninterest income to average assets | 2.1832% | 332 |
| Noninterest expense to average assets | 4.9375% | 394 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9168% | 2,683 |
| Return on assets (ROA) | 0.9168% | 2,816 |
| Pretax return on assets | 0.9015% | 3,761 |
| Return on Equity (ROE) | 11.3926% | 1,728 |
| Retained earnings to average equity (ytd only) | 11.3926% | 568 |
| Net charge-offs to loans | -0.0605% | 7,084 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5600% | 1,679 |
| Assets per employee ($millions) | 2.2242% | 7,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9319% | 2,531 |
| Loan loss allowance to noncurrent loans | 15.3677% | 6,814 |
| Noncurrent assets plus other real estate owned to assets | 15.1125% | 126 |
| Noncurrent loans to loans | 12.5709% | 214 |
| Net loans and leases to total assets | 53.1022% | 5,305 |
| Net loans and leases to deposits | 61.7762% | 5,432 |
| Net loans and leases to core deposits | 66.3216% | 5,380 |
| Total domestic deposits to total assets | 85.9590% | 3,232 |
| Equity capital to assets | 9.3787% | 5,263 |
| Core capital (leverage) ratio | 9.0212% | 4,892 |
| Tier 1 risk-based capital ratio | 13.6454% | 4,618 |
| Total risk-based capital ratio | 14.9005% | 4,584 |
| Memoranda: | ||
| Average total assets | $69,803,750 | 5,788 |
| Average earning assets | $58,374,250 | 5,963 |
| Average equity | $5,617,500 | 6,298 |
| Average total loans | $37,494,250 | 5,860 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2175% | 2,197 |
| Cost of funding earning assets | 0.8324% | 5,182 |
| Net interest margin | 4.3851% | 1,417 |
| Noninterest income to average assets | 0.9996% | 1,319 |
| Noninterest expense to average assets | 4.7748% | 449 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.1158% | 6,367 |
| Return on assets (ROA) | -0.1158% | 6,418 |
| Pretax return on assets | -0.1158% | 6,382 |
| Return on Equity (ROE) | -1.5174% | 6,469 |
| Retained earnings to average equity (ytd only) | -1.5174% | 6,163 |
| Net charge-offs to loans | 0.0264% | 5,455 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -8.2000% | 5,820 |
| Efficiency ratio | 102.4848% | 648 |
| Assets per employee ($millions) | 2.3135% | 7,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8434% | 2,848 |
| Loan loss allowance to noncurrent loans | 15.5331% | 6,853 |
| Noncurrent assets plus other real estate owned to assets | 14.2553% | 168 |
| Noncurrent loans to loans | 11.8674% | 262 |
| Net loans and leases to total assets | 51.8630% | 5,587 |
| Net loans and leases to deposits | 59.3465% | 5,790 |
| Net loans and leases to core deposits | 63.7470% | 5,751 |
| Total domestic deposits to total assets | 87.3901% | 2,525 |
| Equity capital to assets | 8.1074% | 6,595 |
| Core capital (leverage) ratio | 7.9006% | 6,410 |
| Tier 1 risk-based capital ratio | 12.3035% | 5,516 |
| Total risk-based capital ratio | 13.5564% | 5,493 |
| Memoranda: | ||
| Average total assets | $70,829,670 | 5,803 |
| Average earning assets | $59,109,330 | 5,979 |
| Average equity | $5,404,000 | 6,403 |
| Average total loans | $37,948,670 | 5,892 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3830% | 1,630 |
| Cost of funding earning assets | 0.8894% | 5,002 |
| Net interest margin | 4.4937% | 1,086 |
| Noninterest income to average assets | 0.8443% | 1,872 |
| Noninterest expense to average assets | 4.4673% | 612 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1342% | 5,992 |
| Return on assets (ROA) | 0.1342% | 6,049 |
| Pretax return on assets | 0.1342% | 6,090 |
| Return on Equity (ROE) | 1.8139% | 5,859 |
| Retained earnings to average equity (ytd only) | 1.8139% | 5,026 |
| Net charge-offs to loans | 0.0311% | 4,664 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 1,868 |
| Efficiency ratio | 97.0838% | 872 |
| Assets per employee ($millions) | 2.3644% | 7,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7949% | 3,027 |
| Loan loss allowance to noncurrent loans | 19.7036% | 6,782 |
| Noncurrent assets plus other real estate owned to assets | 12.6644% | 231 |
| Noncurrent loans to loans | 9.1097% | 484 |
| Net loans and leases to total assets | 52.2973% | 5,540 |
| Net loans and leases to deposits | 59.3624% | 5,784 |
| Net loans and leases to core deposits | 63.9679% | 5,733 |
| Total domestic deposits to total assets | 88.0983% | 2,318 |
| Equity capital to assets | 7.5045% | 6,866 |
| Core capital (leverage) ratio | 7.6830% | 6,573 |
| Tier 1 risk-based capital ratio | 11.9709% | 5,720 |
| Total risk-based capital ratio | 13.2233% | 5,707 |
| Memoranda: | ||
| Average total assets | $71,541,500 | 5,829 |
| Average earning assets | $59,817,500 | 6,004 |
| Average equity | $5,292,500 | 6,457 |
| Average total loans | $38,587,000 | 5,914 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7887% | 1,301 |
| Cost of funding earning assets | 1.1377% | 4,920 |
| Net interest margin | 4.6510% | 908 |
| Noninterest income to average assets | 1.9944% | 397 |
| Noninterest expense to average assets | 5.2824% | 343 |
| Loan and lease loss provision to assets | 0.6023% | 2,724 |
| Net operating income to assets | 0.0725% | 5,653 |
| Return on assets (ROA) | 0.1246% | 5,670 |
| Pretax return on assets | 0.0958% | 5,708 |
| Return on Equity (ROE) | 1.6511% | 5,511 |
| Retained earnings to average equity (ytd only) | 1.6511% | 4,690 |
| Net charge-offs to loans | 1.6628% | 1,305 |
| Credit loss provision to net charge-offs | 62.2348% | 6,048 |
| Earnings coverage of net charge-offs (x) | 0.6676% | 5,440 |
| Efficiency ratio | 89.1018% | 1,392 |
| Assets per employee ($millions) | 2.4051% | 7,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7284% | 3,110 |
| Loan loss allowance to noncurrent loans | 21.1359% | 6,766 |
| Noncurrent assets plus other real estate owned to assets | 12.1979% | 267 |
| Noncurrent loans to loans | 8.1775% | 622 |
| Net loans and leases to total assets | 53.6645% | 5,681 |
| Net loans and leases to deposits | 63.1493% | 5,727 |
| Net loans and leases to core deposits | 67.9716% | 5,664 |
| Total domestic deposits to total assets | 84.9803% | 3,857 |
| Equity capital to assets | 7.2929% | 7,000 |
| Core capital (leverage) ratio | 7.8496% | 6,380 |
| Tier 1 risk-based capital ratio | 11.5116% | 5,900 |
| Total risk-based capital ratio | 12.7631% | 5,907 |
| Memoranda: | ||
| Average total assets | $73,054,600 | 5,785 |
| Average earning assets | $61,792,800 | 5,932 |
| Average equity | $5,511,400 | 6,503 |
| Average total loans | $42,519,800 | 5,814 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8374% | 1,287 |
| Cost of funding earning assets | 1.1821% | 4,971 |
| Net interest margin | 4.6554% | 933 |
| Noninterest income to average assets | 1.9759% | 383 |
| Noninterest expense to average assets | 5.0726% | 357 |
| Loan and lease loss provision to assets | 0.0728% | 6,329 |
| Net operating income to assets | 0.7787% | 3,092 |
| Return on assets (ROA) | 0.8479% | 2,949 |
| Pretax return on assets | 0.8479% | 3,742 |
| Return on Equity (ROE) | 11.1473% | 1,737 |
| Retained earnings to average equity (ytd only) | 11.1473% | 584 |
| Net charge-offs to loans | 0.1786% | 4,885 |
| Credit loss provision to net charge-offs | 68.9655% | 5,447 |
| Earnings coverage of net charge-offs (x) | 8.0691% | 2,217 |
| Efficiency ratio | 85.6265% | 1,672 |
| Assets per employee ($millions) | 2.2422% | 7,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2729% | 1,662 |
| Loan loss allowance to noncurrent loans | 22.3289% | 6,798 |
| Noncurrent assets plus other real estate owned to assets | 14.2785% | 178 |
| Noncurrent loans to loans | 10.1791% | 404 |
| Net loans and leases to total assets | 55.7302% | 5,586 |
| Net loans and leases to deposits | 66.7418% | 5,575 |
| Net loans and leases to core deposits | 72.5072% | 5,456 |
| Total domestic deposits to total assets | 83.5013% | 4,376 |
| Equity capital to assets | 8.5448% | 6,224 |
| Core capital (leverage) ratio | 8.3830% | 5,731 |
| Tier 1 risk-based capital ratio | 11.9427% | 5,516 |
| Total risk-based capital ratio | 13.2011% | 5,479 |
| Memoranda: | ||
| Average total assets | $73,280,250 | 5,848 |
| Average earning assets | $62,149,000 | 5,989 |
| Average equity | $5,573,750 | 6,576 |
| Average total loans | $43,299,500 | 5,860 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9588% | 1,041 |
| Cost of funding earning assets | 1.2235% | 4,995 |
| Net interest margin | 4.7353% | 758 |
| Noninterest income to average assets | 0.5638% | 3,599 |
| Noninterest expense to average assets | 5.0034% | 375 |
| Loan and lease loss provision to assets | 0.1084% | 5,827 |
| Net operating income to assets | -0.5096% | 6,664 |
| Return on assets (ROA) | -0.4879% | 6,677 |
| Pretax return on assets | -0.4879% | 6,576 |
| Return on Equity (ROE) | -6.6815% | 6,814 |
| Retained earnings to average equity (ytd only) | -6.6815% | 6,712 |
| Net charge-offs to loans | 0.3356% | 3,655 |
| Credit loss provision to net charge-offs | 54.0541% | 5,338 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 6,207 |
| Efficiency ratio | 108.7161% | 574 |
| Assets per employee ($millions) | 2.2744% | 7,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1386% | 1,886 |
| Loan loss allowance to noncurrent loans | 23.1041% | 6,788 |
| Noncurrent assets plus other real estate owned to assets | 13.7014% | 191 |
| Noncurrent loans to loans | 9.2564% | 504 |
| Net loans and leases to total assets | 57.4655% | 5,496 |
| Net loans and leases to deposits | 67.7718% | 5,580 |
| Net loans and leases to core deposits | 74.0785% | 5,434 |
| Total domestic deposits to total assets | 84.7927% | 3,732 |
| Equity capital to assets | 7.4607% | 7,135 |
| Core capital (leverage) ratio | 7.3963% | 6,922 |
| Tier 1 risk-based capital ratio | 10.6869% | 6,538 |
| Total risk-based capital ratio | 11.9444% | 6,523 |
| Memoranda: | ||
| Average total assets | $73,790,000 | 5,880 |
| Average earning assets | $62,931,670 | 5,988 |
| Average equity | $5,388,000 | 6,652 |
| Average total loans | $44,093,670 | 5,863 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0583% | 864 |
| Cost of funding earning assets | 1.2744% | 4,967 |
| Net interest margin | 4.7838% | 670 |
| Noninterest income to average assets | 0.4576% | 4,399 |
| Noninterest expense to average assets | 4.5871% | 520 |
| Loan and lease loss provision to assets | 0.2154% | 4,352 |
| Net operating income to assets | -0.2423% | 6,597 |
| Return on assets (ROA) | -0.2423% | 6,663 |
| Pretax return on assets | -0.2423% | 6,595 |
| Return on Equity (ROE) | -3.3538% | 6,768 |
| Retained earnings to average equity (ytd only) | -3.3538% | 6,409 |
| Net charge-offs to loans | 0.3127% | 3,163 |
| Credit loss provision to net charge-offs | 114.2857% | 3,041 |
| Earnings coverage of net charge-offs (x) | -0.1429% | 5,129 |
| Efficiency ratio | 100.5903% | 816 |
| Assets per employee ($millions) | 2.3705% | 7,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1332% | 1,882 |
| Loan loss allowance to noncurrent loans | 25.3863% | 6,709 |
| Noncurrent assets plus other real estate owned to assets | 11.3964% | 305 |
| Noncurrent loans to loans | 8.4029% | 625 |
| Net loans and leases to total assets | 57.6374% | 5,505 |
| Net loans and leases to deposits | 67.3548% | 5,668 |
| Net loans and leases to core deposits | 73.5169% | 5,543 |
| Total domestic deposits to total assets | 85.5729% | 3,376 |
| Equity capital to assets | 7.0026% | 7,369 |
| Core capital (leverage) ratio | 7.5553% | 6,792 |
| Tier 1 risk-based capital ratio | 10.7762% | 6,368 |
| Total risk-based capital ratio | 12.0329% | 6,346 |
| Memoranda: | ||
| Average total assets | $74,294,500 | 5,929 |
| Average earning assets | $63,714,500 | 6,036 |
| Average equity | $5,367,000 | 6,719 |
| Average total loans | $44,771,500 | 5,898 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3864% | 857 |
| Cost of funding earning assets | 2.0316% | 2,812 |
| Net interest margin | 4.3549% | 1,555 |
| Noninterest income to average assets | 1.3385% | 836 |
| Noninterest expense to average assets | 4.6972% | 649 |
| Loan and lease loss provision to assets | 0.5831% | 3,461 |
| Net operating income to assets | -0.1205% | 5,708 |
| Return on assets (ROA) | -0.0376% | 5,589 |
| Pretax return on assets | -0.0596% | 5,535 |
| Return on Equity (ROE) | -0.5183% | 5,624 |
| Retained earnings to average equity (ytd only) | -0.5183% | 5,113 |
| Net charge-offs to loans | 0.8800% | 2,636 |
| Credit loss provision to net charge-offs | 105.8824% | 5,234 |
| Earnings coverage of net charge-offs (x) | 0.7153% | 5,388 |
| Efficiency ratio | 92.2627% | 1,546 |
| Assets per employee ($millions) | 2.1392% | 7,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1129% | 1,805 |
| Loan loss allowance to noncurrent loans | 34.2362% | 6,150 |
| Noncurrent assets plus other real estate owned to assets | 11.0158% | 301 |
| Noncurrent loans to loans | 6.1714% | 1,009 |
| Net loans and leases to total assets | 60.3861% | 5,276 |
| Net loans and leases to deposits | 71.2501% | 5,435 |
| Net loans and leases to core deposits | 89.7114% | 5,163 |
| Total domestic deposits to total assets | 84.7522% | 3,684 |
| Equity capital to assets | 7.4548% | 7,064 |
| Core capital (leverage) ratio | 7.6422% | 6,628 |
| Tier 1 risk-based capital ratio | 11.0354% | 5,890 |
| Total risk-based capital ratio | 12.2921% | 5,848 |
| Memoranda: | ||
| Average total assets | $77,173,800 | 5,805 |
| Average earning assets | $66,500,200 | 5,917 |
| Average equity | $5,594,800 | 6,744 |
| Average total loans | $48,294,400 | 5,745 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4002% | 922 |
| Cost of funding earning assets | 2.1774% | 2,515 |
| Net interest margin | 4.2228% | 1,965 |
| Noninterest income to average assets | 1.2705% | 955 |
| Noninterest expense to average assets | 4.4333% | 802 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.4813% | 4,069 |
| Return on assets (ROA) | 0.5859% | 3,719 |
| Pretax return on assets | 0.5893% | 4,212 |
| Return on Equity (ROE) | 8.1352% | 2,584 |
| Retained earnings to average equity (ytd only) | 8.1352% | 1,099 |
| Net charge-offs to loans | 0.7677% | 2,443 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 1.0036% | 5,047 |
| Efficiency ratio | 90.1628% | 1,676 |
| Assets per employee ($millions) | 2.3111% | 7,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3730% | 4,099 |
| Loan loss allowance to noncurrent loans | 29.1174% | 6,524 |
| Noncurrent assets plus other real estate owned to assets | 9.7920% | 359 |
| Noncurrent loans to loans | 4.7153% | 1,457 |
| Net loans and leases to total assets | 60.2811% | 5,541 |
| Net loans and leases to deposits | 71.2521% | 5,767 |
| Net loans and leases to core deposits | 86.2260% | 5,840 |
| Total domestic deposits to total assets | 84.6026% | 3,429 |
| Equity capital to assets | 7.9315% | 6,911 |
| Core capital (leverage) ratio | 7.7710% | 6,644 |
| Tier 1 risk-based capital ratio | 11.2810% | 5,650 |
| Total risk-based capital ratio | 12.4859% | 5,657 |
| Memoranda: | ||
| Average total assets | $78,284,250 | 5,818 |
| Average earning assets | $67,600,250 | 5,919 |
| Average equity | $5,638,000 | 6,801 |
| Average total loans | $49,151,000 | 5,753 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3637% | 1,070 |
| Cost of funding earning assets | 2.2779% | 2,454 |
| Net interest margin | 4.0858% | 2,372 |
| Noninterest income to average assets | 0.9144% | 1,922 |
| Noninterest expense to average assets | 4.5468% | 744 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.0401% | 5,910 |
| Return on assets (ROA) | 0.0861% | 5,702 |
| Pretax return on assets | 0.0912% | 5,696 |
| Return on Equity (ROE) | 1.2361% | 5,560 |
| Retained earnings to average equity (ytd only) | 1.2361% | 4,659 |
| Net charge-offs to loans | 0.8841% | 1,928 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -0.0769% | 5,778 |
| Efficiency ratio | 100.9561% | 1,129 |
| Assets per employee ($millions) | 2.8436% | 6,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4678% | 3,364 |
| Loan loss allowance to noncurrent loans | 26.4906% | 6,737 |
| Noncurrent assets plus other real estate owned to assets | 10.0829% | 287 |
| Noncurrent loans to loans | 5.5409% | 1,046 |
| Net loans and leases to total assets | 59.1861% | 5,808 |
| Net loans and leases to deposits | 68.7420% | 6,120 |
| Net loans and leases to core deposits | 83.8520% | 6,100 |
| Total domestic deposits to total assets | 86.0990% | 2,732 |
| Equity capital to assets | 6.7257% | 7,739 |
| Core capital (leverage) ratio | 7.1369% | 7,419 |
| Tier 1 risk-based capital ratio | 10.4064% | 6,474 |
| Total risk-based capital ratio | 11.6573% | 6,413 |
| Memoranda: | ||
| Average total assets | $78,957,000 | 5,835 |
| Average earning assets | $69,361,670 | 5,908 |
| Average equity | $5,501,000 | 6,900 |
| Average total loans | $49,996,670 | 5,764 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2608% | 1,408 |
| Cost of funding earning assets | 2.4687% | 2,029 |
| Net interest margin | 3.7922% | 3,476 |
| Noninterest income to average assets | 0.6614% | 3,127 |
| Noninterest expense to average assets | 4.2989% | 854 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.2951% | 6,672 |
| Return on assets (ROA) | -0.0254% | 6,428 |
| Pretax return on assets | -0.0153% | 6,398 |
| Return on Equity (ROE) | -0.3588% | 6,452 |
| Retained earnings to average equity (ytd only) | -0.3588% | 5,734 |
| Net charge-offs to loans | 0.4307% | 2,384 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -1.0182% | 5,361 |
| Efficiency ratio | 107.0976% | 895 |
| Assets per employee ($millions) | 2.5653% | 7,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7127% | 2,103 |
| Loan loss allowance to noncurrent loans | 25.4695% | 6,870 |
| Noncurrent assets plus other real estate owned to assets | 9.3319% | 258 |
| Noncurrent loans to loans | 6.7245% | 621 |
| Net loans and leases to total assets | 62.6385% | 5,217 |
| Net loans and leases to deposits | 72.8352% | 5,642 |
| Net loans and leases to core deposits | 90.2538% | 5,529 |
| Total domestic deposits to total assets | 86.0003% | 2,727 |
| Equity capital to assets | 6.9062% | 7,721 |
| Core capital (leverage) ratio | 7.0633% | 7,592 |
| Tier 1 risk-based capital ratio | 10.1380% | 6,764 |
| Total risk-based capital ratio | 11.3920% | 6,679 |
| Memoranda: | ||
| Average total assets | $78,625,500 | 5,869 |
| Average earning assets | $69,511,500 | 5,928 |
| Average equity | $5,574,000 | 6,923 |
| Average total loans | $51,082,000 | 5,753 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5975% | 2,504 |
| Cost of funding earning assets | 2.8321% | 2,574 |
| Net interest margin | 3.7654% | 4,158 |
| Noninterest income to average assets | 0.6938% | 3,154 |
| Noninterest expense to average assets | 4.4416% | 918 |
| Loan and lease loss provision to assets | -0.1086% | 8,259 |
| Net operating income to assets | -0.2128% | 6,634 |
| Return on assets (ROA) | -0.1677% | 6,426 |
| Pretax return on assets | -0.2015% | 6,372 |
| Return on Equity (ROE) | -2.4131% | 6,555 |
| Retained earnings to average equity (ytd only) | -3.1596% | 6,144 |
| Net charge-offs to loans | 1.6998% | 648 |
| Credit loss provision to net charge-offs | -9.5541% | 7,268 |
| Earnings coverage of net charge-offs (x) | -0.3206% | 6,427 |
| Efficiency ratio | 108.9376% | 731 |
| Assets per employee ($millions) | 2.2861% | 7,583 |
| Cash dividends to net income (ytd only)* | -30.9353% | 8,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7928% | 1,652 |
| Loan loss allowance to noncurrent loans | 24.3536% | 7,040 |
| Noncurrent assets plus other real estate owned to assets | 10.0414% | 159 |
| Noncurrent loans to loans | 7.3615% | 393 |
| Net loans and leases to total assets | 65.0486% | 5,049 |
| Net loans and leases to deposits | 76.1117% | 5,582 |
| Net loans and leases to core deposits | 97.1617% | 5,132 |
| Total domestic deposits to total assets | 85.4647% | 2,643 |
| Equity capital to assets | 7.2767% | 7,576 |
| Core capital (leverage) ratio | 7.0430% | 7,661 |
| Tier 1 risk-based capital ratio | 9.9566% | 6,786 |
| Total risk-based capital ratio | 11.2116% | 6,669 |
| Memoranda: | ||
| Average total assets | $82,874,800 | 5,597 |
| Average earning assets | $74,467,400 | 5,646 |
| Average equity | $5,760,200 | 6,892 |
| Average total loans | $55,419,000 | 5,478 |