Home > Flowers National Bank > Performance and Condition Ratios
Flowers National Bank, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3957% | 1,915 |
| Cost of funding earning assets | 0.6529% | 1,061 |
| Net interest margin | 3.7428% | 2,588 |
| Noninterest income to average assets | 0.1878% | 5,473 |
| Noninterest expense to average assets | 2.7946% | 3,252 |
| Loan and lease loss provision to assets | 0.0756% | 2,759 |
| Net operating income to assets | 0.6584% | 4,003 |
| Return on assets (ROA) | 0.8169% | 3,344 |
| Pretax return on assets | 0.8169% | 4,136 |
| Return on Equity (ROE) | 5.9736% | 4,046 |
| Retained earnings to average equity (ytd only) | 5.9736% | 1,805 |
| Net charge-offs to loans | 0.0578% | 3,060 |
| Credit loss provision to net charge-offs | 344.4444% | 867 |
| Earnings coverage of net charge-offs (x) | 33.4444% | 1,342 |
| Efficiency ratio | 79.1983% | 1,791 |
| Assets per employee ($millions) | 6.6063% | 1,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3976% | 2,436 |
| Loan loss allowance to noncurrent loans | 614.2857% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.0883% | 5,271 |
| Noncurrent loans to loans | 0.2275% | 4,615 |
| Net loans and leases to total assets | 38.2663% | 5,611 |
| Net loans and leases to deposits | 44.8598% | 5,621 |
| Net loans and leases to core deposits | 57.1084% | 5,150 |
| Total domestic deposits to total assets | 85.3020% | 2,950 |
| Equity capital to assets | 14.3978% | 800 |
| Core capital (leverage) ratio | 11.2324% | 2,177 |
| Tier 1 risk-based capital ratio | 19.6653% | 1,552 |
| Total risk-based capital ratio | 20.6483% | 1,572 |
| Memoranda: | ||
| Average total assets | $41,007,000 | 5,743 |
| Average earning assets | $36,603,600 | 5,753 |
| Average equity | $5,608,000 | 5,522 |
| Average total loans | $15,574,000 | 5,879 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4273% | 1,826 |
| Cost of funding earning assets | 0.6594% | 1,038 |
| Net interest margin | 3.7679% | 2,500 |
| Noninterest income to average assets | 0.1967% | 5,469 |
| Noninterest expense to average assets | 2.7408% | 3,421 |
| Loan and lease loss provision to assets | 0.0387% | 3,436 |
| Net operating income to assets | 0.7707% | 3,576 |
| Return on assets (ROA) | 0.9738% | 2,685 |
| Pretax return on assets | 0.9738% | 3,720 |
| Return on Equity (ROE) | 7.2119% | 3,524 |
| Retained earnings to average equity (ytd only) | 7.2119% | 1,594 |
| Net charge-offs to loans | 0.0768% | 2,464 |
| Credit loss provision to net charge-offs | 133.3333% | 1,843 |
| Earnings coverage of net charge-offs (x) | 27.8883% | 1,569 |
| Efficiency ratio | 77.2025% | 2,058 |
| Assets per employee ($millions) | 5.7069% | 1,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 3,377 |
| Loan loss allowance to noncurrent loans | 52.5469% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 1.0914% | 2,175 |
| Noncurrent loans to loans | 2.3764% | 877 |
| Net loans and leases to total assets | 38.8004% | 5,658 |
| Net loans and leases to deposits | 45.4066% | 5,672 |
| Net loans and leases to core deposits | 57.1050% | 5,250 |
| Total domestic deposits to total assets | 85.4511% | 2,805 |
| Equity capital to assets | 14.3011% | 914 |
| Core capital (leverage) ratio | 10.7204% | 2,799 |
| Tier 1 risk-based capital ratio | 18.7993% | 1,824 |
| Total risk-based capital ratio | 19.6626% | 1,878 |
| Memoranda: | ||
| Average total assets | $41,349,250 | 5,809 |
| Average earning assets | $36,801,000 | 5,829 |
| Average equity | $5,583,250 | 5,594 |
| Average total loans | $15,621,750 | 5,952 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5372% | 1,431 |
| Cost of funding earning assets | 0.6574% | 1,062 |
| Net interest margin | 3.8798% | 2,050 |
| Noninterest income to average assets | 0.1961% | 5,507 |
| Noninterest expense to average assets | 2.7406% | 3,447 |
| Loan and lease loss provision to assets | 0.0574% | 2,950 |
| Net operating income to assets | 0.8418% | 3,160 |
| Return on assets (ROA) | 1.0809% | 2,116 |
| Pretax return on assets | 1.0809% | 3,256 |
| Return on Equity (ROE) | 8.1588% | 2,959 |
| Retained earnings to average equity (ytd only) | 8.1588% | 1,204 |
| Net charge-offs to loans | 0.1282% | 1,733 |
| Credit loss provision to net charge-offs | 120.0000% | 1,806 |
| Earnings coverage of net charge-offs (x) | 18.8000% | 1,789 |
| Efficiency ratio | 75.2957% | 2,495 |
| Assets per employee ($millions) | 5.9619% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 3,593 |
| Loan loss allowance to noncurrent loans | 102.0942% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 0.4577% | 4,105 |
| Noncurrent loans to loans | 1.2100% | 2,233 |
| Net loans and leases to total assets | 37.3565% | 5,763 |
| Net loans and leases to deposits | 43.1940% | 5,794 |
| Net loans and leases to core deposits | 53.7179% | 5,440 |
| Total domestic deposits to total assets | 86.4855% | 2,446 |
| Equity capital to assets | 13.2988% | 1,259 |
| Core capital (leverage) ratio | 10.2161% | 3,315 |
| Tier 1 risk-based capital ratio | 18.2225% | 2,003 |
| Total risk-based capital ratio | 19.0700% | 2,077 |
| Memoranda: | ||
| Average total assets | $41,816,330 | 5,861 |
| Average earning assets | $37,115,330 | 5,883 |
| Average equity | $5,540,000 | 5,652 |
| Average total loans | $15,597,000 | 6,016 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3319% | 1,992 |
| Cost of funding earning assets | 0.6590% | 1,058 |
| Net interest margin | 3.6729% | 2,724 |
| Noninterest income to average assets | 0.2007% | 5,515 |
| Noninterest expense to average assets | 2.8668% | 3,015 |
| Loan and lease loss provision to assets | 0.1147% | 1,799 |
| Net operating income to assets | 0.4682% | 4,804 |
| Return on assets (ROA) | 0.8409% | 3,184 |
| Pretax return on assets | 0.8409% | 4,098 |
| Return on Equity (ROE) | 6.3595% | 3,847 |
| Retained earnings to average equity (ytd only) | 6.3595% | 2,306 |
| Net charge-offs to loans | 0.2838% | 844 |
| Credit loss provision to net charge-offs | 109.0909% | 1,522 |
| Earnings coverage of net charge-offs (x) | 5.5455% | 2,378 |
| Efficiency ratio | 83.1025% | 1,478 |
| Assets per employee ($millions) | 6.0556% | 1,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2087% | 3,927 |
| Loan loss allowance to noncurrent loans | 421.7391% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.1085% | 5,522 |
| Noncurrent loans to loans | 0.2866% | 4,747 |
| Net loans and leases to total assets | 37.4059% | 5,754 |
| Net loans and leases to deposits | 43.2150% | 5,789 |
| Net loans and leases to core deposits | 55.0919% | 5,309 |
| Total domestic deposits to total assets | 86.5578% | 2,628 |
| Equity capital to assets | 13.2204% | 1,294 |
| Core capital (leverage) ratio | 9.9436% | 3,673 |
| Tier 1 risk-based capital ratio | 17.5642% | 2,279 |
| Total risk-based capital ratio | 18.4047% | 2,381 |
| Memoranda: | ||
| Average total assets | $41,858,000 | 5,919 |
| Average earning assets | $37,027,500 | 5,938 |
| Average equity | $5,535,000 | 5,709 |
| Average total loans | $15,503,000 | 6,072 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5857% | 1,601 |
| Cost of funding earning assets | 0.7267% | 969 |
| Net interest margin | 3.8590% | 2,397 |
| Noninterest income to average assets | 0.2465% | 5,366 |
| Noninterest expense to average assets | 3.3670% | 1,768 |
| Loan and lease loss provision to assets | 0.0394% | 3,788 |
| Net operating income to assets | 0.2563% | 5,641 |
| Return on assets (ROA) | 0.3352% | 5,495 |
| Pretax return on assets | 0.3352% | 5,634 |
| Return on Equity (ROE) | 2.5616% | 5,615 |
| Retained earnings to average equity (ytd only) | 2.5616% | 4,416 |
| Net charge-offs to loans | 0.0137% | 4,613 |
| Credit loss provision to net charge-offs | 800.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 794 |
| Efficiency ratio | 91.9246% | 711 |
| Assets per employee ($millions) | 5.9039% | 1,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 3,478 |
| Loan loss allowance to noncurrent loans | 332.7586% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.1403% | 5,471 |
| Noncurrent loans to loans | 0.3878% | 4,481 |
| Net loans and leases to total assets | 35.7224% | 5,967 |
| Net loans and leases to deposits | 41.3344% | 5,990 |
| Net loans and leases to core deposits | 53.0909% | 5,556 |
| Total domestic deposits to total assets | 86.4229% | 2,610 |
| Equity capital to assets | 13.2262% | 1,261 |
| Core capital (leverage) ratio | 9.9701% | 3,615 |
| Tier 1 risk-based capital ratio | 18.0158% | 2,129 |
| Total risk-based capital ratio | 18.8925% | 2,233 |
| Memoranda: | ||
| Average total assets | $40,570,800 | 6,023 |
| Average earning assets | $35,916,000 | 6,038 |
| Average equity | $5,309,200 | 5,787 |
| Average total loans | $14,645,400 | 6,171 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6747% | 1,370 |
| Cost of funding earning assets | 0.7444% | 917 |
| Net interest margin | 3.9303% | 2,116 |
| Noninterest income to average assets | 0.2641% | 5,323 |
| Noninterest expense to average assets | 3.2984% | 1,901 |
| Loan and lease loss provision to assets | 0.0528% | 3,320 |
| Net operating income to assets | 0.3995% | 5,248 |
| Return on assets (ROA) | 0.5052% | 4,918 |
| Pretax return on assets | 0.5052% | 5,314 |
| Return on Equity (ROE) | 3.8708% | 5,225 |
| Retained earnings to average equity (ytd only) | 3.8708% | 3,898 |
| Net charge-offs to loans | 0.0183% | 4,168 |
| Credit loss provision to net charge-offs | 800.0000% | 388 |
| Earnings coverage of net charge-offs (x) | 68.4120% | 790 |
| Efficiency ratio | 87.4120% | 1,057 |
| Assets per employee ($millions) | 5.8701% | 1,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 3,625 |
| Loan loss allowance to noncurrent loans | 402.0833% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.1168% | 5,698 |
| Noncurrent loans to loans | 0.3241% | 4,937 |
| Net loans and leases to total assets | 35.5674% | 6,047 |
| Net loans and leases to deposits | 41.0996% | 6,083 |
| Net loans and leases to core deposits | 51.0104% | 5,743 |
| Total domestic deposits to total assets | 86.5396% | 2,566 |
| Equity capital to assets | 13.2170% | 1,324 |
| Core capital (leverage) ratio | 9.9767% | 3,715 |
| Tier 1 risk-based capital ratio | 18.1619% | 2,160 |
| Total risk-based capital ratio | 19.0418% | 2,246 |
| Memoranda: | ||
| Average total assets | $40,381,750 | 6,103 |
| Average earning assets | $35,823,250 | 6,120 |
| Average equity | $5,270,000 | 5,854 |
| Average total loans | $14,567,750 | 6,245 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6903% | 1,300 |
| Cost of funding earning assets | 0.7406% | 964 |
| Net interest margin | 3.9497% | 1,969 |
| Noninterest income to average assets | 0.2790% | 5,197 |
| Noninterest expense to average assets | 3.3678% | 1,757 |
| Loan and lease loss provision to assets | 0.0797% | 2,699 |
| Net operating income to assets | 0.3388% | 5,436 |
| Return on assets (ROA) | 0.3388% | 5,509 |
| Pretax return on assets | 0.3388% | 5,703 |
| Return on Equity (ROE) | 2.6072% | 5,656 |
| Retained earnings to average equity (ytd only) | 2.6072% | 4,538 |
| Net charge-offs to loans | 0.0138% | 3,961 |
| Credit loss provision to net charge-offs | 1,600.0000% | 232 |
| Earnings coverage of net charge-offs (x) | 84.0000% | 631 |
| Efficiency ratio | 88.2895% | 1,057 |
| Assets per employee ($millions) | 5.1925% | 1,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3130% | 3,783 |
| Loan loss allowance to noncurrent loans | 80.4979% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 0.5802% | 4,248 |
| Noncurrent loans to loans | 1.6311% | 2,133 |
| Net loans and leases to total assets | 35.1011% | 6,101 |
| Net loans and leases to deposits | 40.5839% | 6,130 |
| Net loans and leases to core deposits | 49.8138% | 5,804 |
| Total domestic deposits to total assets | 86.4901% | 2,764 |
| Equity capital to assets | 13.0019% | 1,371 |
| Core capital (leverage) ratio | 9.7964% | 3,892 |
| Tier 1 risk-based capital ratio | 17.8246% | 2,300 |
| Total risk-based capital ratio | 18.7120% | 2,402 |
| Memoranda: | ||
| Average total assets | $40,145,330 | 6,171 |
| Average earning assets | $35,648,000 | 6,180 |
| Average equity | $5,216,330 | 5,909 |
| Average total loans | $14,487,670 | 6,301 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6908% | 1,275 |
| Cost of funding earning assets | 0.7287% | 1,080 |
| Net interest margin | 3.9621% | 1,879 |
| Noninterest income to average assets | 0.2434% | 5,411 |
| Noninterest expense to average assets | 3.2752% | 2,004 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4969% | 4,709 |
| Return on assets (ROA) | 0.4969% | 4,788 |
| Pretax return on assets | 0.4969% | 5,180 |
| Return on Equity (ROE) | 3.8251% | 5,126 |
| Retained earnings to average equity (ytd only) | 3.8251% | 3,835 |
| Net charge-offs to loans | 0.0279% | 3,019 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 759 |
| Efficiency ratio | 86.2903% | 1,419 |
| Assets per employee ($millions) | 5.1415% | 2,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 4,469 |
| Loan loss allowance to noncurrent loans | 494.4444% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 5,986 |
| Noncurrent loans to loans | 0.2492% | 5,357 |
| Net loans and leases to total assets | 34.6859% | 6,141 |
| Net loans and leases to deposits | 39.8731% | 6,172 |
| Net loans and leases to core deposits | 47.8807% | 5,879 |
| Total domestic deposits to total assets | 86.9907% | 2,818 |
| Equity capital to assets | 12.7054% | 1,454 |
| Core capital (leverage) ratio | 10.0547% | 3,491 |
| Tier 1 risk-based capital ratio | 18.1346% | 2,237 |
| Total risk-based capital ratio | 18.9676% | 2,372 |
| Memoranda: | ||
| Average total assets | $39,448,000 | 6,249 |
| Average earning assets | $35,132,500 | 6,251 |
| Average equity | $5,124,000 | 5,966 |
| Average total loans | $14,344,000 | 6,368 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9635% | 988 |
| Cost of funding earning assets | 0.7242% | 1,655 |
| Net interest margin | 4.2393% | 1,255 |
| Noninterest income to average assets | 0.2143% | 5,799 |
| Noninterest expense to average assets | 3.6161% | 1,418 |
| Loan and lease loss provision to assets | 0.9171% | 212 |
| Net operating income to assets | -0.4494% | 6,475 |
| Return on assets (ROA) | -0.2534% | 6,408 |
| Pretax return on assets | -0.2534% | 6,390 |
| Return on Equity (ROE) | -1.8548% | 6,372 |
| Retained earnings to average equity (ytd only) | -1.8548% | 6,160 |
| Net charge-offs to loans | 2.3615% | 129 |
| Credit loss provision to net charge-offs | 100.5731% | 2,403 |
| Earnings coverage of net charge-offs (x) | 0.5129% | 4,909 |
| Efficiency ratio | 87.9718% | 1,221 |
| Assets per employee ($millions) | 4.7205% | 2,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 4,364 |
| Loan loss allowance to noncurrent loans | 397.7778% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.1192% | 5,972 |
| Noncurrent loans to loans | 0.3159% | 5,240 |
| Net loans and leases to total assets | 37.2418% | 6,141 |
| Net loans and leases to deposits | 43.1067% | 6,169 |
| Net loans and leases to core deposits | 52.7849% | 5,739 |
| Total domestic deposits to total assets | 86.3944% | 3,046 |
| Equity capital to assets | 13.2984% | 1,142 |
| Core capital (leverage) ratio | 10.5166% | 2,898 |
| Tier 1 risk-based capital ratio | 19.1040% | 1,885 |
| Total risk-based capital ratio | 19.9980% | 1,955 |
| Memoranda: | ||
| Average total assets | $38,273,000 | 6,337 |
| Average earning assets | $34,935,000 | 6,322 |
| Average equity | $5,229,800 | 6,010 |
| Average total loans | $14,778,800 | 6,429 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9734% | 990 |
| Cost of funding earning assets | 0.7311% | 1,732 |
| Net interest margin | 4.2423% | 1,218 |
| Noninterest income to average assets | 0.4826% | 3,920 |
| Noninterest expense to average assets | 3.6006% | 1,397 |
| Loan and lease loss provision to assets | 0.7604% | 268 |
| Net operating income to assets | 0.0104% | 6,282 |
| Return on assets (ROA) | 0.0104% | 6,332 |
| Pretax return on assets | 0.0104% | 6,313 |
| Return on Equity (ROE) | 0.0757% | 6,336 |
| Retained earnings to average equity (ytd only) | 0.0757% | 5,914 |
| Net charge-offs to loans | 1.9402% | 199 |
| Credit loss provision to net charge-offs | 100.9217% | 2,317 |
| Earnings coverage of net charge-offs (x) | 1.0230% | 4,503 |
| Efficiency ratio | 81.8110% | 1,845 |
| Assets per employee ($millions) | 4.6190% | 2,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 4,986 |
| Loan loss allowance to noncurrent loans | 596.6667% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 6,193 |
| Noncurrent loans to loans | 0.1970% | 5,746 |
| Net loans and leases to total assets | 40.7312% | 5,979 |
| Net loans and leases to deposits | 47.5695% | 5,991 |
| Net loans and leases to core deposits | 55.9662% | 5,625 |
| Total domestic deposits to total assets | 85.6246% | 3,441 |
| Equity capital to assets | 14.0074% | 963 |
| Core capital (leverage) ratio | 10.8546% | 2,612 |
| Tier 1 risk-based capital ratio | 19.2255% | 1,922 |
| Total risk-based capital ratio | 20.1029% | 1,995 |
| Memoranda: | ||
| Average total assets | $38,400,250 | 6,405 |
| Average earning assets | $35,200,000 | 6,384 |
| Average equity | $5,281,750 | 6,066 |
| Average total loans | $14,912,750 | 6,483 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7774% | 1,380 |
| Cost of funding earning assets | 0.7428% | 1,746 |
| Net interest margin | 4.0347% | 1,749 |
| Noninterest income to average assets | 0.4269% | 4,326 |
| Noninterest expense to average assets | 3.6108% | 1,395 |
| Loan and lease loss provision to assets | 1.1265% | 150 |
| Net operating income to assets | -0.6224% | 6,673 |
| Return on assets (ROA) | -0.6224% | 6,686 |
| Pretax return on assets | -0.6224% | 6,666 |
| Return on Equity (ROE) | -4.5514% | 6,630 |
| Retained earnings to average equity (ytd only) | -4.5514% | 6,430 |
| Net charge-offs to loans | 2.9310% | 104 |
| Credit loss provision to net charge-offs | 100.9217% | 2,184 |
| Earnings coverage of net charge-offs (x) | 0.4516% | 4,389 |
| Efficiency ratio | 87.1250% | 1,312 |
| Assets per employee ($millions) | 4.2370% | 3,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 5,023 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 38.7958% | 6,127 |
| Net loans and leases to deposits | 44.9884% | 6,168 |
| Net loans and leases to core deposits | 52.5878% | 5,844 |
| Total domestic deposits to total assets | 86.2350% | 3,241 |
| Equity capital to assets | 13.4477% | 1,160 |
| Core capital (leverage) ratio | 10.2010% | 3,231 |
| Tier 1 risk-based capital ratio | 18.9772% | 2,000 |
| Total risk-based capital ratio | 19.8720% | 2,066 |
| Memoranda: | ||
| Average total assets | $38,883,000 | 6,438 |
| Average earning assets | $35,542,000 | 6,420 |
| Average equity | $5,317,000 | 6,097 |
| Average total loans | $14,807,000 | 6,528 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8126% | 1,259 |
| Cost of funding earning assets | 0.7646% | 1,750 |
| Net interest margin | 4.0480% | 1,622 |
| Noninterest income to average assets | 0.1936% | 6,091 |
| Noninterest expense to average assets | 3.5967% | 1,428 |
| Loan and lease loss provision to assets | 2.2314% | 49 |
| Net operating income to assets | -1.9665% | 6,925 |
| Return on assets (ROA) | -1.9665% | 6,927 |
| Pretax return on assets | -1.9665% | 6,917 |
| Return on Equity (ROE) | -14.2659% | 6,858 |
| Retained earnings to average equity (ytd only) | -14.2659% | 6,731 |
| Net charge-offs to loans | 5.9223% | 33 |
| Credit loss provision to net charge-offs | 100.4587% | 1,810 |
| Earnings coverage of net charge-offs (x) | 0.1193% | 3,780 |
| Efficiency ratio | 92.6121% | 937 |
| Assets per employee ($millions) | 4.3296% | 3,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 5,255 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 38.1717% | 6,137 |
| Net loans and leases to deposits | 44.4186% | 6,172 |
| Net loans and leases to core deposits | 52.4434% | 5,790 |
| Total domestic deposits to total assets | 85.9365% | 3,562 |
| Equity capital to assets | 13.6786% | 1,146 |
| Core capital (leverage) ratio | 9.7844% | 3,680 |
| Tier 1 risk-based capital ratio | 18.3282% | 2,253 |
| Total risk-based capital ratio | 19.2050% | 2,349 |
| Memoranda: | ||
| Average total assets | $39,258,000 | 6,486 |
| Average earning assets | $35,573,500 | 6,479 |
| Average equity | $5,411,500 | 6,139 |
| Average total loans | $14,724,000 | 6,596 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3152% | 900 |
| Cost of funding earning assets | 0.9903% | 1,411 |
| Net interest margin | 4.3249% | 1,337 |
| Noninterest income to average assets | 0.4027% | 4,589 |
| Noninterest expense to average assets | 3.8634% | 1,145 |
| Loan and lease loss provision to assets | 0.0653% | 4,945 |
| Net operating income to assets | 0.3238% | 5,386 |
| Return on assets (ROA) | 0.3238% | 5,600 |
| Pretax return on assets | 0.3238% | 5,780 |
| Return on Equity (ROE) | 2.2699% | 5,831 |
| Retained earnings to average equity (ytd only) | 2.2699% | 4,645 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0832% | 1,063 |
| Assets per employee ($millions) | 4.3944% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2295% | 4,980 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 35.9520% | 6,439 |
| Net loans and leases to deposits | 41.8883% | 6,467 |
| Net loans and leases to core deposits | 50.3702% | 6,125 |
| Total domestic deposits to total assets | 85.8281% | 3,443 |
| Equity capital to assets | 13.8887% | 1,088 |
| Core capital (leverage) ratio | 10.3339% | 2,967 |
| Tier 1 risk-based capital ratio | 17.0606% | 2,622 |
| Total risk-based capital ratio | 17.8325% | 2,818 |
| Memoranda: | ||
| Average total assets | $36,755,200 | 6,588 |
| Average earning assets | $32,717,200 | 6,589 |
| Average equity | $5,242,600 | 6,224 |
| Average total loans | $14,590,600 | 6,681 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6272% | 534 |
| Cost of funding earning assets | 1.0141% | 1,479 |
| Net interest margin | 4.6132% | 795 |
| Noninterest income to average assets | 0.2921% | 5,435 |
| Noninterest expense to average assets | 4.0121% | 923 |
| Loan and lease loss provision to assets | 0.0666% | 4,857 |
| Net operating income to assets | 0.3180% | 5,554 |
| Return on assets (ROA) | 0.3180% | 5,754 |
| Pretax return on assets | 0.3180% | 5,922 |
| Return on Equity (ROE) | 2.2135% | 5,970 |
| Retained earnings to average equity (ytd only) | 2.2135% | 5,231 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4121% | 1,008 |
| Assets per employee ($millions) | 4.2871% | 3,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 5,616 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 38.9592% | 6,351 |
| Net loans and leases to deposits | 45.6303% | 6,414 |
| Net loans and leases to core deposits | 54.1928% | 6,038 |
| Total domestic deposits to total assets | 85.3800% | 3,574 |
| Equity capital to assets | 14.1302% | 1,105 |
| Core capital (leverage) ratio | 10.5464% | 2,861 |
| Tier 1 risk-based capital ratio | 17.3318% | 2,598 |
| Total risk-based capital ratio | 18.1095% | 2,762 |
| Memoranda: | ||
| Average total assets | $36,056,500 | 6,688 |
| Average earning assets | $32,081,250 | 6,687 |
| Average equity | $5,180,000 | 6,316 |
| Average total loans | $14,639,250 | 6,765 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8387% | 381 |
| Cost of funding earning assets | 1.0341% | 1,554 |
| Net interest margin | 4.8045% | 556 |
| Noninterest income to average assets | 0.3067% | 5,359 |
| Noninterest expense to average assets | 4.1234% | 815 |
| Loan and lease loss provision to assets | 0.0682% | 4,776 |
| Net operating income to assets | 0.3635% | 5,362 |
| Return on assets (ROA) | 0.3635% | 5,587 |
| Pretax return on assets | 0.3635% | 5,795 |
| Return on Equity (ROE) | 2.5151% | 5,874 |
| Retained earnings to average equity (ytd only) | 2.5151% | 4,929 |
| Net charge-offs to loans | -0.0138% | 6,352 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6509% | 1,097 |
| Assets per employee ($millions) | 3.3878% | 5,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 5,703 |
| Loan loss allowance to noncurrent loans | 218.4211% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.2039% | 6,276 |
| Noncurrent loans to loans | 0.5124% | 5,503 |
| Net loans and leases to total assets | 39.3549% | 6,382 |
| Net loans and leases to deposits | 45.8714% | 6,447 |
| Net loans and leases to core deposits | 54.7934% | 6,038 |
| Total domestic deposits to total assets | 85.7940% | 3,461 |
| Equity capital to assets | 13.7417% | 1,197 |
| Core capital (leverage) ratio | 11.3008% | 2,046 |
| Tier 1 risk-based capital ratio | 17.9714% | 2,298 |
| Total risk-based capital ratio | 18.7599% | 2,437 |
| Memoranda: | ||
| Average total assets | $35,214,000 | 6,761 |
| Average earning assets | $31,137,330 | 6,763 |
| Average equity | $5,089,330 | 6,370 |
| Average total loans | $14,451,330 | 6,826 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2424% | 220 |
| Cost of funding earning assets | 1.0850% | 1,476 |
| Net interest margin | 5.1573% | 315 |
| Noninterest income to average assets | 0.4095% | 4,600 |
| Noninterest expense to average assets | 4.3407% | 631 |
| Loan and lease loss provision to assets | 0.0702% | 4,526 |
| Net operating income to assets | 0.5031% | 4,815 |
| Return on assets (ROA) | 0.5031% | 5,025 |
| Pretax return on assets | 0.5031% | 5,419 |
| Return on Equity (ROE) | 3.3902% | 5,551 |
| Retained earnings to average equity (ytd only) | 3.3902% | 4,534 |
| Net charge-offs to loans | -0.0280% | 6,317 |
| Credit loss provision to net charge-offs | -600.0000% | 5,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6190% | 1,322 |
| Assets per employee ($millions) | 3.2549% | 5,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 5,842 |
| Loan loss allowance to noncurrent loans | 213.3333% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 6,362 |
| Noncurrent loans to loans | 0.5235% | 5,618 |
| Net loans and leases to total assets | 39.5682% | 6,382 |
| Net loans and leases to deposits | 46.5239% | 6,387 |
| Net loans and leases to core deposits | 56.2272% | 5,886 |
| Total domestic deposits to total assets | 85.0492% | 4,015 |
| Equity capital to assets | 14.3504% | 906 |
| Core capital (leverage) ratio | 11.4739% | 1,911 |
| Tier 1 risk-based capital ratio | 17.7818% | 2,370 |
| Total risk-based capital ratio | 18.5392% | 2,532 |
| Memoranda: | ||
| Average total assets | $34,188,000 | 6,840 |
| Average earning assets | $29,860,500 | 6,854 |
| Average equity | $5,073,500 | 6,406 |
| Average total loans | $14,261,000 | 6,891 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1386% | 84 |
| Cost of funding earning assets | 1.2106% | 1,960 |
| Net interest margin | 5.9280% | 96 |
| Noninterest income to average assets | 0.3468% | 5,032 |
| Noninterest expense to average assets | 5.0736% | 366 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3838% | 4,935 |
| Return on assets (ROA) | 0.3838% | 5,105 |
| Pretax return on assets | 0.3838% | 5,338 |
| Return on Equity (ROE) | 2.2467% | 5,562 |
| Retained earnings to average equity (ytd only) | 2.2467% | 4,611 |
| Net charge-offs to loans | 0.0363% | 5,952 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 22.8000% | 1,048 |
| Efficiency ratio | 91.8569% | 1,053 |
| Assets per employee ($millions) | 2.9611% | 6,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0778% | 5,891 |
| Loan loss allowance to noncurrent loans | 159.3750% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.4881% | 5,748 |
| Noncurrent loans to loans | 0.6763% | 5,345 |
| Net loans and leases to total assets | 43.1106% | 6,287 |
| Net loans and leases to deposits | 51.4793% | 6,257 |
| Net loans and leases to core deposits | 65.6230% | 5,300 |
| Total domestic deposits to total assets | 83.7437% | 4,434 |
| Equity capital to assets | 15.3782% | 698 |
| Core capital (leverage) ratio | 12.4391% | 1,375 |
| Tier 1 risk-based capital ratio | 17.0132% | 2,599 |
| Total risk-based capital ratio | 17.7019% | 2,809 |
| Memoranda: | ||
| Average total assets | $29,702,800 | 6,977 |
| Average earning assets | $25,607,200 | 6,996 |
| Average equity | $5,074,000 | 6,418 |
| Average total loans | $13,788,000 | 6,956 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2133% | 80 |
| Cost of funding earning assets | 1.2253% | 2,158 |
| Net interest margin | 5.9880% | 91 |
| Noninterest income to average assets | 0.3634% | 4,964 |
| Noninterest expense to average assets | 5.2531% | 298 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2806% | 5,467 |
| Return on assets (ROA) | 0.2806% | 5,631 |
| Pretax return on assets | 0.2806% | 5,747 |
| Return on Equity (ROE) | 1.5978% | 5,906 |
| Retained earnings to average equity (ytd only) | 1.5978% | 5,342 |
| Net charge-offs to loans | 0.0292% | 5,737 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 20.3325% | 1,223 |
| Efficiency ratio | 93.6825% | 932 |
| Assets per employee ($millions) | 2.8138% | 6,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 5,861 |
| Loan loss allowance to noncurrent loans | 39.8458% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 1.4603% | 3,930 |
| Noncurrent loans to loans | 2.7800% | 2,504 |
| Net loans and leases to total assets | 44.7079% | 6,262 |
| Net loans and leases to deposits | 53.8360% | 6,225 |
| Net loans and leases to core deposits | 66.3279% | 5,378 |
| Total domestic deposits to total assets | 83.0447% | 4,662 |
| Equity capital to assets | 16.2542% | 592 |
| Core capital (leverage) ratio | 12.4966% | 1,437 |
| Tier 1 risk-based capital ratio | 17.5544% | 2,422 |
| Total risk-based capital ratio | 18.2851% | 2,591 |
| Memoranda: | ||
| Average total assets | $28,985,500 | 7,067 |
| Average earning assets | $25,027,250 | 7,083 |
| Average equity | $5,090,250 | 6,468 |
| Average total loans | $13,686,250 | 7,033 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3890% | 77 |
| Cost of funding earning assets | 1.1952% | 2,612 |
| Net interest margin | 6.1938% | 81 |
| Noninterest income to average assets | 0.2612% | 5,775 |
| Noninterest expense to average assets | 5.3865% | 281 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2894% | 5,414 |
| Return on assets (ROA) | 0.2894% | 5,552 |
| Pretax return on assets | 0.2894% | 5,697 |
| Return on Equity (ROE) | 1.6047% | 5,909 |
| Retained earnings to average equity (ytd only) | 1.6047% | 5,186 |
| Net charge-offs to loans | 0.0442% | 5,238 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 13.6667% | 1,531 |
| Efficiency ratio | 93.6567% | 1,002 |
| Assets per employee ($millions) | 2.8391% | 6,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1025% | 5,948 |
| Loan loss allowance to noncurrent loans | 18.7651% | 6,755 |
| Noncurrent assets plus other real estate owned to assets | 2.6449% | 2,521 |
| Noncurrent loans to loans | 5.8752% | 1,035 |
| Net loans and leases to total assets | 44.5213% | 6,388 |
| Net loans and leases to deposits | 53.8372% | 6,315 |
| Net loans and leases to core deposits | 66.2284% | 5,485 |
| Total domestic deposits to total assets | 82.6961% | 4,905 |
| Equity capital to assets | 16.6346% | 524 |
| Core capital (leverage) ratio | 13.4284% | 1,015 |
| Tier 1 risk-based capital ratio | 18.2091% | 2,102 |
| Total risk-based capital ratio | 18.9721% | 2,220 |
| Memoranda: | ||
| Average total assets | $28,330,000 | 7,150 |
| Average earning assets | $24,766,670 | 7,155 |
| Average equity | $5,110,000 | 6,499 |
| Average total loans | $13,584,000 | 7,107 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9188% | 64 |
| Cost of funding earning assets | 1.2341% | 2,604 |
| Net interest margin | 6.6847% | 63 |
| Noninterest income to average assets | 0.2530% | 5,870 |
| Noninterest expense to average assets | 5.8036% | 216 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2530% | 5,604 |
| Return on assets (ROA) | 0.2530% | 5,668 |
| Pretax return on assets | 0.2530% | 5,801 |
| Return on Equity (ROE) | 1.3419% | 6,039 |
| Retained earnings to average equity (ytd only) | 1.3419% | 5,290 |
| Net charge-offs to loans | 0.0899% | 4,047 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,234 |
| Efficiency ratio | 94.5946% | 1,008 |
| Assets per employee ($millions) | 2.5601% | 6,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 5,715 |
| Loan loss allowance to noncurrent loans | 18.8335% | 6,801 |
| Noncurrent assets plus other real estate owned to assets | 2.9225% | 2,367 |
| Noncurrent loans to loans | 6.2705% | 984 |
| Net loans and leases to total assets | 46.0566% | 6,283 |
| Net loans and leases to deposits | 56.6920% | 6,065 |
| Net loans and leases to core deposits | 63.2374% | 5,810 |
| Total domestic deposits to total assets | 81.2400% | 5,592 |
| Equity capital to assets | 18.1492% | 361 |
| Core capital (leverage) ratio | 14.5904% | 728 |
| Tier 1 risk-based capital ratio | 21.4010% | 1,325 |
| Total risk-based capital ratio | 22.2939% | 1,359 |
| Memoranda: | ||
| Average total assets | $26,880,000 | 7,239 |
| Average earning assets | $23,337,000 | 7,256 |
| Average equity | $5,067,500 | 6,535 |
| Average total loans | $13,346,500 | 7,170 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2743% | 102 |
| Cost of funding earning assets | 1.6284% | 1,916 |
| Net interest margin | 5.6459% | 139 |
| Noninterest income to average assets | 0.9866% | 1,553 |
| Noninterest expense to average assets | 5.9879% | 232 |
| Loan and lease loss provision to assets | 0.1021% | 6,121 |
| Net operating income to assets | -0.3998% | 6,310 |
| Return on assets (ROA) | -0.3998% | 6,339 |
| Pretax return on assets | -0.3998% | 6,243 |
| Return on Equity (ROE) | -2.0023% | 6,175 |
| Retained earnings to average equity (ytd only) | -2.0023% | 5,972 |
| Net charge-offs to loans | -0.0091% | 7,307 |
| Credit loss provision to net charge-offs | -2,400.0000% | 7,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.2885% | 688 |
| Assets per employee ($millions) | 2.8443% | 6,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 5,667 |
| Loan loss allowance to noncurrent loans | 29.6992% | 6,309 |
| Noncurrent assets plus other real estate owned to assets | 2.0782% | 3,249 |
| Noncurrent loans to loans | 3.9210% | 1,864 |
| Net loans and leases to total assets | 52.3849% | 5,865 |
| Net loans and leases to deposits | 66.1895% | 5,376 |
| Net loans and leases to core deposits | 68.0849% | 5,654 |
| Total domestic deposits to total assets | 79.1437% | 6,049 |
| Equity capital to assets | 19.6258% | 279 |
| Core capital (leverage) ratio | 14.1529% | 815 |
| Tier 1 risk-based capital ratio | 20.1568% | 1,454 |
| Total risk-based capital ratio | 21.0715% | 1,492 |
| Memoranda: | ||
| Average total assets | $23,514,000 | 7,384 |
| Average earning assets | $19,589,400 | 7,411 |
| Average equity | $4,694,600 | 6,758 |
| Average total loans | $11,048,400 | 7,348 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7013% | 241 |
| Cost of funding earning assets | 1.7069% | 1,841 |
| Net interest margin | 4.9944% | 447 |
| Noninterest income to average assets | 1.1714% | 1,014 |
| Noninterest expense to average assets | 5.7872% | 237 |
| Loan and lease loss provision to assets | 0.1044% | 5,991 |
| Net operating income to assets | -0.5973% | 6,660 |
| Return on assets (ROA) | -0.5973% | 6,711 |
| Pretax return on assets | -0.5973% | 6,612 |
| Return on Equity (ROE) | -2.9775% | 6,487 |
| Retained earnings to average equity (ytd only) | -2.9775% | 6,346 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.0099% | 580 |
| Assets per employee ($millions) | 2.8014% | 6,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 5,775 |
| Loan loss allowance to noncurrent loans | 22.5037% | 6,786 |
| Noncurrent assets plus other real estate owned to assets | 2.6613% | 2,713 |
| Noncurrent loans to loans | 5.0504% | 1,363 |
| Net loans and leases to total assets | 52.0961% | 6,088 |
| Net loans and leases to deposits | 65.7868% | 5,690 |
| Net loans and leases to core deposits | 72.1465% | 5,494 |
| Total domestic deposits to total assets | 79.1893% | 5,973 |
| Equity capital to assets | 20.1087% | 280 |
| Core capital (leverage) ratio | 16.7250% | 460 |
| Tier 1 risk-based capital ratio | 20.4680% | 1,453 |
| Total risk-based capital ratio | 21.3599% | 1,491 |
| Memoranda: | ||
| Average total assets | $22,992,750 | 7,493 |
| Average earning assets | $18,981,000 | 7,522 |
| Average equity | $4,612,250 | 6,871 |
| Average total loans | $10,418,500 | 7,471 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0586% | 831 |
| Cost of funding earning assets | 1.7813% | 1,715 |
| Net interest margin | 4.2773% | 1,862 |
| Noninterest income to average assets | 1.4650% | 593 |
| Noninterest expense to average assets | 5.8240% | 236 |
| Loan and lease loss provision to assets | 0.1079% | 5,835 |
| Net operating income to assets | -0.9707% | 6,934 |
| Return on assets (ROA) | -0.9707% | 6,951 |
| Pretax return on assets | -0.9707% | 6,874 |
| Return on Equity (ROE) | -4.8434% | 6,687 |
| Retained earnings to average equity (ytd only) | -4.8434% | 6,539 |
| Net charge-offs to loans | 0.0211% | 6,044 |
| Credit loss provision to net charge-offs | 1,200.0000% | 321 |
| Earnings coverage of net charge-offs (x) | -96.0000% | 6,365 |
| Efficiency ratio | 114.8551% | 481 |
| Assets per employee ($millions) | 2.5200% | 7,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 4,174 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 43.1217% | 6,976 |
| Net loans and leases to deposits | 54.5211% | 6,827 |
| Net loans and leases to core deposits | 64.0094% | 6,400 |
| Total domestic deposits to total assets | 79.0917% | 6,010 |
| Equity capital to assets | 20.3219% | 271 |
| Core capital (leverage) ratio | 14.6292% | 795 |
| Tier 1 risk-based capital ratio | 21.7851% | 1,238 |
| Total risk-based capital ratio | 22.8272% | 1,239 |
| Memoranda: | ||
| Average total assets | $22,252,670 | 7,574 |
| Average earning assets | $18,189,000 | 7,608 |
| Average equity | $4,459,670 | 6,950 |
| Average total loans | $9,462,670 | 7,570 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6683% | 1,890 |
| Cost of funding earning assets | 1.7356% | 2,205 |
| Net interest margin | 3.9327% | 3,186 |
| Noninterest income to average assets | 0.2359% | 6,265 |
| Noninterest expense to average assets | 5.3541% | 289 |
| Loan and lease loss provision to assets | 0.1089% | 5,534 |
| Net operating income to assets | -1.9783% | 7,458 |
| Return on assets (ROA) | -1.9783% | 7,460 |
| Pretax return on assets | -1.9783% | 7,411 |
| Return on Equity (ROE) | -9.9430% | 7,141 |
| Retained earnings to average equity (ytd only) | -9.9430% | 6,965 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 153.6458% | 195 |
| Assets per employee ($millions) | 2.4469% | 7,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 3,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 40.8319% | 7,199 |
| Net loans and leases to deposits | 51.4416% | 7,065 |
| Net loans and leases to core deposits | 56.1158% | 6,992 |
| Total domestic deposits to total assets | 79.3752% | 5,991 |
| Equity capital to assets | 20.1798% | 281 |
| Core capital (leverage) ratio | 14.4579% | 863 |
| Tier 1 risk-based capital ratio | 21.4717% | 1,271 |
| Total risk-based capital ratio | 22.4956% | 1,276 |
| Memoranda: | ||
| Average total assets | $22,039,000 | 7,676 |
| Average earning assets | $18,206,500 | 7,703 |
| Average equity | $4,385,000 | 7,042 |
| Average total loans | $9,232,000 | 7,679 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2843% | 5,263 |
| Cost of funding earning assets | 2.0416% | 2,766 |
| Net interest margin | 3.2426% | 5,953 |
| Noninterest income to average assets | 0.3594% | 5,519 |
| Noninterest expense to average assets | 6.5048% | 248 |
| Loan and lease loss provision to assets | 0.2784% | 5,189 |
| Net operating income to assets | -3.6903% | 7,556 |
| Return on assets (ROA) | -3.6599% | 7,552 |
| Pretax return on assets | -3.6599% | 7,458 |
| Return on Equity (ROE) | -16.9242% | 7,027 |
| Retained earnings to average equity (ytd only) | -16.9242% | 6,984 |
| Net charge-offs to loans | 0.3855% | 4,276 |
| Credit loss provision to net charge-offs | 177.4194% | 2,356 |
| Earnings coverage of net charge-offs (x) | -21.7419% | 7,193 |
| Efficiency ratio | 210.3110% | 120 |
| Assets per employee ($millions) | 2.4507% | 7,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4251% | 4,099 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 41.7120% | 7,262 |
| Net loans and leases to deposits | 52.3024% | 7,141 |
| Net loans and leases to core deposits | 62.1874% | 7,183 |
| Total domestic deposits to total assets | 79.7515% | 5,752 |
| Equity capital to assets | 19.6137% | 326 |
| Core capital (leverage) ratio | 14.5796% | 864 |
| Tier 1 risk-based capital ratio | 20.7916% | 1,326 |
| Total risk-based capital ratio | 21.7646% | 1,340 |
| Memoranda: | ||
| Average total assets | $19,754,600 | 7,780 |
| Average earning assets | $16,653,200 | 7,802 |
| Average equity | $4,272,000 | 7,186 |
| Average total loans | $8,041,400 | 7,783 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0113% | 6,571 |
| Cost of funding earning assets | 2.0736% | 3,017 |
| Net interest margin | 2.9377% | 6,755 |
| Noninterest income to average assets | 0.2920% | 6,143 |
| Noninterest expense to average assets | 6.7015% | 225 |
| Loan and lease loss provision to assets | 0.3406% | 4,290 |
| Net operating income to assets | -4.2684% | 7,776 |
| Return on assets (ROA) | -4.2267% | 7,775 |
| Pretax return on assets | -4.2267% | 7,721 |
| Return on Equity (ROE) | -19.0360% | 7,341 |
| Retained earnings to average equity (ytd only) | -19.0360% | 7,305 |
| Net charge-offs to loans | 0.5355% | 3,076 |
| Credit loss provision to net charge-offs | 158.0645% | 3,010 |
| Earnings coverage of net charge-offs (x) | -18.2267% | 6,936 |
| Efficiency ratio | 241.6040% | 91 |
| Assets per employee ($millions) | 2.1093% | 7,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4875% | 3,511 |
| Loan loss allowance to noncurrent loans | 560.8696% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 7,276 |
| Noncurrent loans to loans | 0.2652% | 6,845 |
| Net loans and leases to total assets | 40.5016% | 7,441 |
| Net loans and leases to deposits | 51.2816% | 7,343 |
| Net loans and leases to core deposits | 60.7049% | 7,374 |
| Total domestic deposits to total assets | 78.9788% | 5,812 |
| Equity capital to assets | 20.5234% | 302 |
| Core capital (leverage) ratio | 14.7028% | 914 |
| Tier 1 risk-based capital ratio | 22.9149% | 1,123 |
| Total risk-based capital ratio | 23.9802% | 1,115 |
| Memoranda: | ||
| Average total assets | $19,179,250 | 7,871 |
| Average earning assets | $16,203,000 | 7,891 |
| Average equity | $4,258,500 | 7,262 |
| Average total loans | $7,718,500 | 7,869 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8323% | 7,168 |
| Cost of funding earning assets | 2.0710% | 3,414 |
| Net interest margin | 2.7613% | 7,084 |
| Noninterest income to average assets | 0.2481% | 6,507 |
| Noninterest expense to average assets | 7.4320% | 190 |
| Loan and lease loss provision to assets | 0.2049% | 5,000 |
| Net operating income to assets | -5.0590% | 7,940 |
| Return on assets (ROA) | -4.9942% | 7,926 |
| Pretax return on assets | -4.9942% | 7,858 |
| Return on Equity (ROE) | -21.8654% | 7,556 |
| Retained earnings to average equity (ytd only) | -21.8654% | 7,510 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 288.2845% | 88 |
| Assets per employee ($millions) | 2.0175% | 7,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4813% | 3,302 |
| Loan loss allowance to noncurrent loans | 541.6667% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 7,266 |
| Noncurrent loans to loans | 0.2735% | 6,841 |
| Net loans and leases to total assets | 42.8550% | 7,399 |
| Net loans and leases to deposits | 54.6834% | 7,234 |
| Net loans and leases to core deposits | 65.9698% | 7,215 |
| Total domestic deposits to total assets | 78.3693% | 5,982 |
| Equity capital to assets | 21.1152% | 324 |
| Core capital (leverage) ratio | 14.9975% | 922 |
| Tier 1 risk-based capital ratio | 25.0160% | 938 |
| Total risk-based capital ratio | 26.2046% | 925 |
| Memoranda: | ||
| Average total assets | $18,541,330 | 7,976 |
| Average earning assets | $15,644,670 | 7,984 |
| Average equity | $4,235,000 | 7,323 |
| Average total loans | $7,400,670 | 7,970 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4441% | 7,766 |
| Cost of funding earning assets | 1.9393% | 4,437 |
| Net interest margin | 2.5049% | 7,496 |
| Noninterest income to average assets | 0.2257% | 6,660 |
| Noninterest expense to average assets | 7.5150% | 179 |
| Loan and lease loss provision to assets | 0.4288% | 2,781 |
| Net operating income to assets | -5.6645% | 8,073 |
| Return on assets (ROA) | -5.5291% | 8,062 |
| Pretax return on assets | -5.4839% | 8,019 |
| Return on Equity (ROE) | -23.2090% | 7,813 |
| Retained earnings to average equity (ytd only) | -23.2090% | 7,726 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 323.3010% | 70 |
| Assets per employee ($millions) | 2.0833% | 7,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7615% | 1,956 |
| Loan loss allowance to noncurrent loans | 419.3548% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.1653% | 7,059 |
| Noncurrent loans to loans | 0.4201% | 6,370 |
| Net loans and leases to total assets | 38.6667% | 7,633 |
| Net loans and leases to deposits | 50.3507% | 7,478 |
| Net loans and leases to core deposits | 59.4068% | 7,478 |
| Total domestic deposits to total assets | 76.7947% | 6,335 |
| Equity capital to assets | 22.6027% | 289 |
| Core capital (leverage) ratio | 17.0415% | 646 |
| Tier 1 risk-based capital ratio | 28.3690% | 726 |
| Total risk-based capital ratio | 29.7135% | 703 |
| Memoranda: | ||
| Average total assets | $17,724,500 | 8,043 |
| Average earning assets | $14,851,000 | 8,056 |
| Average equity | $4,222,500 | 7,372 |
| Average total loans | $6,713,000 | 8,047 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5217% | 8,246 |
| Cost of funding earning assets | 0.5727% | 8,180 |
| Net interest margin | 0.9490% | 8,232 |
| Noninterest income to average assets | 0.1069% | 7,598 |
| Noninterest expense to average assets | 2.8497% | 4,604 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -1.9164% | 7,593 |
| Return on assets (ROA) | -1.9164% | 7,548 |
| Pretax return on assets | -1.9164% | 7,414 |
| Return on Equity (ROE) | -10.1257% | 7,289 |
| Retained earnings to average equity (ytd only) | -10.1257% | 7,081 |
| Net charge-offs to loans | 0.7482% | 1,657 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -4.6379% | 6,824 |
| Efficiency ratio | 305.3435% | 98 |
| Assets per employee ($millions) | 2.0874% | 7,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8359% | 1,557 |
| Loan loss allowance to noncurrent loans | 462.5000% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.1437% | 7,003 |
| Noncurrent loans to loans | 0.3970% | 6,156 |
| Net loans and leases to total assets | 35.5411% | 7,849 |
| Net loans and leases to deposits | 47.9093% | 7,709 |
| Net loans and leases to core deposits | 53.0147% | 7,825 |
| Total domestic deposits to total assets | 74.1841% | 6,625 |
| Equity capital to assets | 25.1931% | 265 |
| Core capital (leverage) ratio | 20.3946% | 415 |
| Tier 1 risk-based capital ratio | 34.0784% | 478 |
| Total risk-based capital ratio | 35.3272% | 469 |
| Memoranda: | ||
| Average total assets | $14,036,800 | 8,183 |
| Average earning assets | $12,223,400 | 8,183 |
| Average equity | $2,656,600 | 7,940 |
| Average total loans | $7,751,800 | 8,043 |