Home > Folsom Lake Bank > Performance and Condition Ratios
Folsom Lake Bank, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7749% | 4,083 |
| Cost of funding earning assets | 0.3799% | 3,376 |
| Net interest margin | 3.3950% | 3,861 |
| Noninterest income to average assets | 0.1046% | 5,463 |
| Noninterest expense to average assets | 4.6470% | 278 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.8662% | 5,662 |
| Return on assets (ROA) | -0.7604% | 5,655 |
| Pretax return on assets | -1.1740% | 5,677 |
| Return on Equity (ROE) | -9.0176% | 5,666 |
| Retained earnings to average equity (ytd only) | -9.0176% | 5,605 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.3838% | 32 |
| Assets per employee ($millions) | 8.5779% | 509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 2,934 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 61.2212% | 3,748 |
| Net loans and leases to deposits | 70.2445% | 3,941 |
| Net loans and leases to core deposits | 74.9299% | 3,893 |
| Total domestic deposits to total assets | 87.1545% | 1,794 |
| Equity capital to assets | 8.1874% | 5,442 |
| Core capital (leverage) ratio | 7.9782% | 5,519 |
| Tier 1 risk-based capital ratio | 12.4796% | 4,327 |
| Total risk-based capital ratio | 13.6235% | 4,301 |
| Memoranda: | ||
| Average total assets | $201,471,500 | 2,938 |
| Average earning assets | $190,235,500 | 2,890 |
| Average equity | $16,988,500 | 3,523 |
| Average total loans | $122,408,500 | 3,045 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7501% | 4,074 |
| Cost of funding earning assets | 0.3826% | 3,261 |
| Net interest margin | 3.3675% | 3,888 |
| Noninterest income to average assets | 0.0996% | 5,516 |
| Noninterest expense to average assets | 2.9054% | 2,404 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2137% | 5,378 |
| Return on assets (ROA) | 0.3253% | 5,181 |
| Pretax return on assets | 0.5531% | 4,900 |
| Return on Equity (ROE) | 3.8223% | 4,871 |
| Retained earnings to average equity (ytd only) | 3.8223% | 3,416 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4719% | 526 |
| Assets per employee ($millions) | 8.2352% | 561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 3,296 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 61.0632% | 3,741 |
| Net loans and leases to deposits | 73.3497% | 3,614 |
| Net loans and leases to core deposits | 82.3580% | 3,222 |
| Total domestic deposits to total assets | 83.2495% | 3,484 |
| Equity capital to assets | 8.5705% | 5,251 |
| Core capital (leverage) ratio | 8.7544% | 5,001 |
| Tier 1 risk-based capital ratio | 12.1642% | 4,515 |
| Total risk-based capital ratio | 13.1889% | 4,568 |
| Memoranda: | ||
| Average total assets | $202,865,000 | 2,933 |
| Average earning assets | $191,834,330 | 2,886 |
| Average equity | $17,267,000 | 3,505 |
| Average total loans | $122,461,000 | 3,057 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7296% | 4,007 |
| Cost of funding earning assets | 0.3736% | 3,268 |
| Net interest margin | 3.3560% | 3,816 |
| Noninterest income to average assets | 0.1033% | 5,577 |
| Noninterest expense to average assets | 2.3640% | 4,215 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5383% | 4,430 |
| Return on assets (ROA) | 0.5383% | 4,474 |
| Pretax return on assets | 0.9158% | 3,707 |
| Return on Equity (ROE) | 6.3473% | 3,742 |
| Retained earnings to average equity (ytd only) | 6.3473% | 2,166 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0775% | 2,565 |
| Assets per employee ($millions) | 8.4485% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 3,028 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 58.7119% | 3,914 |
| Net loans and leases to deposits | 71.0697% | 3,686 |
| Net loans and leases to core deposits | 80.2105% | 3,278 |
| Total domestic deposits to total assets | 82.6117% | 3,969 |
| Equity capital to assets | 8.5982% | 5,159 |
| Core capital (leverage) ratio | 8.7051% | 5,039 |
| Tier 1 risk-based capital ratio | 12.5150% | 4,379 |
| Total risk-based capital ratio | 13.5737% | 4,400 |
| Memoranda: | ||
| Average total assets | $201,357,500 | 2,981 |
| Average earning assets | $190,583,000 | 2,924 |
| Average equity | $17,078,000 | 3,539 |
| Average total loans | $120,099,500 | 3,107 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7516% | 4,049 |
| Cost of funding earning assets | 0.3628% | 3,384 |
| Net interest margin | 3.3888% | 3,857 |
| Noninterest income to average assets | 0.1231% | 5,571 |
| Noninterest expense to average assets | 2.5307% | 3,916 |
| Loan and lease loss provision to assets | -0.0265% | 5,532 |
| Net operating income to assets | 0.5209% | 4,548 |
| Return on assets (ROA) | 0.5355% | 4,585 |
| Pretax return on assets | 0.8349% | 4,069 |
| Return on Equity (ROE) | 5.9414% | 4,005 |
| Retained earnings to average equity (ytd only) | 5.9414% | 1,740 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3124% | 1,935 |
| Assets per employee ($millions) | 7.9981% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2257% | 2,964 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 59.1237% | 3,946 |
| Net loans and leases to deposits | 72.0922% | 3,703 |
| Net loans and leases to core deposits | 81.3603% | 3,276 |
| Total domestic deposits to total assets | 82.0112% | 4,074 |
| Equity capital to assets | 8.3630% | 5,379 |
| Core capital (leverage) ratio | 8.8709% | 4,887 |
| Tier 1 risk-based capital ratio | 12.1815% | 4,595 |
| Total risk-based capital ratio | 13.2290% | 4,627 |
| Memoranda: | ||
| Average total assets | $188,408,600 | 3,075 |
| Average earning assets | $177,524,400 | 3,040 |
| Average equity | $16,982,400 | 3,556 |
| Average total loans | $106,941,000 | 3,261 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7100% | 4,217 |
| Cost of funding earning assets | 0.3671% | 3,364 |
| Net interest margin | 3.3429% | 4,047 |
| Noninterest income to average assets | 0.1207% | 5,643 |
| Noninterest expense to average assets | 2.5657% | 3,780 |
| Loan and lease loss provision to assets | -0.0359% | 5,699 |
| Net operating income to assets | 0.4596% | 4,838 |
| Return on assets (ROA) | 0.4794% | 4,856 |
| Pretax return on assets | 0.7697% | 4,413 |
| Return on Equity (ROE) | 5.2167% | 4,424 |
| Retained earnings to average equity (ytd only) | 5.2167% | 2,682 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4960% | 1,619 |
| Assets per employee ($millions) | 7.7644% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3392% | 2,494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 55.6772% | 4,342 |
| Net loans and leases to deposits | 64.1981% | 4,473 |
| Net loans and leases to core deposits | 72.7837% | 4,100 |
| Total domestic deposits to total assets | 86.7271% | 2,016 |
| Equity capital to assets | 9.1350% | 5,038 |
| Core capital (leverage) ratio | 8.7914% | 5,061 |
| Tier 1 risk-based capital ratio | 13.0326% | 4,143 |
| Total risk-based capital ratio | 14.1769% | 4,114 |
| Memoranda: | ||
| Average total assets | $185,522,750 | 3,110 |
| Average earning assets | $174,696,250 | 3,077 |
| Average equity | $17,047,500 | 3,573 |
| Average total loans | $103,754,750 | 3,327 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7825% | 4,014 |
| Cost of funding earning assets | 0.3600% | 3,448 |
| Net interest margin | 3.4226% | 3,789 |
| Noninterest income to average assets | 0.1128% | 5,732 |
| Noninterest expense to average assets | 2.5654% | 3,835 |
| Loan and lease loss provision to assets | -0.0547% | 5,827 |
| Net operating income to assets | 0.4797% | 4,767 |
| Return on assets (ROA) | 0.5091% | 4,755 |
| Pretax return on assets | 0.8650% | 4,067 |
| Return on Equity (ROE) | 5.5294% | 4,278 |
| Retained earnings to average equity (ytd only) | 5.5294% | 2,403 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0470% | 1,923 |
| Assets per employee ($millions) | 7.5019% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4395% | 2,107 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 53.5570% | 4,549 |
| Net loans and leases to deposits | 63.5869% | 4,521 |
| Net loans and leases to core deposits | 72.4837% | 4,131 |
| Total domestic deposits to total assets | 84.2264% | 3,185 |
| Equity capital to assets | 9.2323% | 5,043 |
| Core capital (leverage) ratio | 9.2067% | 4,584 |
| Tier 1 risk-based capital ratio | 13.5393% | 3,873 |
| Total risk-based capital ratio | 14.7433% | 3,822 |
| Memoranda: | ||
| Average total assets | $182,660,330 | 3,161 |
| Average earning assets | $171,684,670 | 3,125 |
| Average equity | $16,819,330 | 3,613 |
| Average total loans | $101,825,670 | 3,374 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8852% | 3,639 |
| Cost of funding earning assets | 0.3521% | 3,580 |
| Net interest margin | 3.5330% | 3,346 |
| Noninterest income to average assets | 0.1065% | 5,804 |
| Noninterest expense to average assets | 2.5924% | 3,770 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5038% | 4,619 |
| Return on assets (ROA) | 0.5038% | 4,713 |
| Pretax return on assets | 0.8545% | 4,022 |
| Return on Equity (ROE) | 5.4793% | 4,238 |
| Retained earnings to average equity (ytd only) | 5.4793% | 2,669 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2093% | 2,295 |
| Assets per employee ($millions) | 7.5884% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5140% | 1,920 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 54.1829% | 4,434 |
| Net loans and leases to deposits | 63.6245% | 4,469 |
| Net loans and leases to core deposits | 72.8231% | 3,995 |
| Total domestic deposits to total assets | 85.1605% | 3,061 |
| Equity capital to assets | 9.2586% | 4,934 |
| Core capital (leverage) ratio | 9.2645% | 4,532 |
| Tier 1 risk-based capital ratio | 13.4127% | 4,038 |
| Total risk-based capital ratio | 14.6623% | 3,956 |
| Memoranda: | ||
| Average total assets | $180,216,500 | 3,199 |
| Average earning assets | $170,391,500 | 3,151 |
| Average equity | $16,571,500 | 3,650 |
| Average total loans | $101,782,500 | 3,391 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2330% | 2,449 |
| Cost of funding earning assets | 0.3691% | 3,497 |
| Net interest margin | 3.8639% | 2,148 |
| Noninterest income to average assets | 0.0841% | 5,916 |
| Noninterest expense to average assets | 2.8976% | 2,868 |
| Loan and lease loss provision to assets | -0.0460% | 5,734 |
| Net operating income to assets | 0.5168% | 4,630 |
| Return on assets (ROA) | 0.5223% | 4,691 |
| Pretax return on assets | 0.8709% | 3,948 |
| Return on Equity (ROE) | 5.3309% | 4,359 |
| Retained earnings to average equity (ytd only) | 5.3309% | 2,186 |
| Net charge-offs to loans | -0.0121% | 5,154 |
| Credit loss provision to net charge-offs | 625.0000% | 542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0202% | 1,965 |
| Assets per employee ($millions) | 7.4296% | 727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4676% | 2,142 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1402% | 5,029 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 57.1204% | 4,182 |
| Net loans and leases to deposits | 70.8491% | 3,825 |
| Net loans and leases to core deposits | 80.0994% | 3,336 |
| Total domestic deposits to total assets | 80.6226% | 4,580 |
| Equity capital to assets | 9.1307% | 4,988 |
| Core capital (leverage) ratio | 9.3841% | 4,348 |
| Tier 1 risk-based capital ratio | 12.9027% | 4,385 |
| Total risk-based capital ratio | 14.1249% | 4,300 |
| Memoranda: | ||
| Average total assets | $162,927,000 | 3,392 |
| Average earning assets | $153,057,600 | 3,356 |
| Average equity | $15,963,600 | 3,680 |
| Average total loans | $99,576,200 | 3,389 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2567% | 2,381 |
| Cost of funding earning assets | 0.3808% | 3,427 |
| Net interest margin | 3.8759% | 2,110 |
| Noninterest income to average assets | 0.0997% | 5,969 |
| Noninterest expense to average assets | 2.9678% | 2,615 |
| Loan and lease loss provision to assets | -0.0629% | 5,939 |
| Net operating income to assets | 0.5004% | 4,786 |
| Return on assets (ROA) | 0.5079% | 4,849 |
| Pretax return on assets | 0.8406% | 4,204 |
| Return on Equity (ROE) | 5.0867% | 4,586 |
| Retained earnings to average equity (ytd only) | 5.0867% | 2,852 |
| Net charge-offs to loans | -0.0162% | 5,132 |
| Credit loss provision to net charge-offs | 625.0000% | 542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4837% | 1,732 |
| Assets per employee ($millions) | 6.9621% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4666% | 2,298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1754% | 5,050 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 60.9977% | 3,735 |
| Net loans and leases to deposits | 72.9680% | 3,653 |
| Net loans and leases to core deposits | 83.0747% | 3,147 |
| Total domestic deposits to total assets | 83.5951% | 3,571 |
| Equity capital to assets | 9.7253% | 4,484 |
| Core capital (leverage) ratio | 9.6833% | 4,050 |
| Tier 1 risk-based capital ratio | 12.9511% | 4,453 |
| Total risk-based capital ratio | 14.1977% | 4,382 |
| Memoranda: | ||
| Average total assets | $159,081,000 | 3,473 |
| Average earning assets | $149,157,500 | 3,443 |
| Average equity | $15,884,250 | 3,730 |
| Average total loans | $98,628,000 | 3,438 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2412% | 2,391 |
| Cost of funding earning assets | 0.4003% | 3,274 |
| Net interest margin | 3.8409% | 2,169 |
| Noninterest income to average assets | 0.0844% | 6,078 |
| Noninterest expense to average assets | 2.9729% | 2,639 |
| Loan and lease loss provision to assets | -0.0959% | 6,080 |
| Net operating income to assets | 0.5102% | 4,723 |
| Return on assets (ROA) | 0.5217% | 4,782 |
| Pretax return on assets | 0.8196% | 4,256 |
| Return on Equity (ROE) | 5.1769% | 4,533 |
| Retained earnings to average equity (ytd only) | 5.1769% | 2,742 |
| Net charge-offs to loans | -0.0247% | 5,246 |
| Credit loss provision to net charge-offs | 625.0000% | 530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8133% | 1,646 |
| Assets per employee ($millions) | 6.6778% | 969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 2,237 |
| Loan loss allowance to noncurrent loans | 91.5510% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 1.2167% | 2,082 |
| Noncurrent loans to loans | 1.6520% | 1,583 |
| Net loans and leases to total assets | 61.6390% | 3,605 |
| Net loans and leases to deposits | 76.0801% | 3,262 |
| Net loans and leases to core deposits | 87.9185% | 2,561 |
| Total domestic deposits to total assets | 81.0186% | 4,615 |
| Equity capital to assets | 9.7830% | 4,292 |
| Core capital (leverage) ratio | 10.0024% | 3,600 |
| Tier 1 risk-based capital ratio | 12.8989% | 4,576 |
| Total risk-based capital ratio | 14.1481% | 4,493 |
| Memoranda: | ||
| Average total assets | $156,411,330 | 3,538 |
| Average earning assets | $146,373,000 | 3,514 |
| Average equity | $15,762,330 | 3,762 |
| Average total loans | $97,024,670 | 3,488 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0407% | 3,083 |
| Cost of funding earning assets | 0.3927% | 3,381 |
| Net interest margin | 3.6480% | 2,823 |
| Noninterest income to average assets | 0.0259% | 6,280 |
| Noninterest expense to average assets | 3.0036% | 2,570 |
| Loan and lease loss provision to assets | -0.1942% | 6,261 |
| Net operating income to assets | 0.3989% | 5,071 |
| Return on assets (ROA) | 0.4221% | 5,106 |
| Pretax return on assets | 0.6680% | 4,701 |
| Return on Equity (ROE) | 4.1255% | 4,933 |
| Retained earnings to average equity (ytd only) | 4.1255% | 3,532 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2837% | 1,076 |
| Assets per employee ($millions) | 6.4435% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5404% | 2,279 |
| Loan loss allowance to noncurrent loans | 88.9480% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 1.2836% | 2,074 |
| Noncurrent loans to loans | 1.7318% | 1,580 |
| Net loans and leases to total assets | 62.2035% | 3,334 |
| Net loans and leases to deposits | 76.9435% | 2,943 |
| Net loans and leases to core deposits | 87.4562% | 2,379 |
| Total domestic deposits to total assets | 80.8431% | 4,854 |
| Equity capital to assets | 10.2726% | 3,798 |
| Core capital (leverage) ratio | 10.1178% | 3,445 |
| Tier 1 risk-based capital ratio | 14.2268% | 3,862 |
| Total risk-based capital ratio | 15.4778% | 3,790 |
| Memoranda: | ||
| Average total assets | $154,483,500 | 3,581 |
| Average earning assets | $144,628,500 | 3,556 |
| Average equity | $15,804,000 | 3,778 |
| Average total loans | $95,385,000 | 3,539 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0659% | 3,453 |
| Cost of funding earning assets | 0.3705% | 4,036 |
| Net interest margin | 3.6954% | 3,025 |
| Noninterest income to average assets | 0.1168% | 6,099 |
| Noninterest expense to average assets | 3.0091% | 2,816 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8116% | 3,314 |
| Return on assets (ROA) | 0.8349% | 3,293 |
| Pretax return on assets | 0.5923% | 4,969 |
| Return on Equity (ROE) | 8.4867% | 2,852 |
| Retained earnings to average equity (ytd only) | 8.4867% | 835 |
| Net charge-offs to loans | 0.0626% | 3,595 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 15.6226% | 2,068 |
| Efficiency ratio | 84.0983% | 1,400 |
| Assets per employee ($millions) | 6.4301% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6966% | 1,780 |
| Loan loss allowance to noncurrent loans | 92.2852% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.3251% | 2,121 |
| Noncurrent loans to loans | 1.8384% | 1,553 |
| Net loans and leases to total assets | 59.2860% | 3,878 |
| Net loans and leases to deposits | 73.1304% | 3,539 |
| Net loans and leases to core deposits | 83.0998% | 2,982 |
| Total domestic deposits to total assets | 81.0689% | 4,729 |
| Equity capital to assets | 10.1877% | 3,870 |
| Core capital (leverage) ratio | 10.1685% | 3,349 |
| Tier 1 risk-based capital ratio | 14.2131% | 3,956 |
| Total risk-based capital ratio | 15.4660% | 3,887 |
| Memoranda: | ||
| Average total assets | $145,523,600 | 3,700 |
| Average earning assets | $136,305,200 | 3,653 |
| Average equity | $14,316,600 | 3,975 |
| Average total loans | $84,708,400 | 3,750 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0649% | 3,508 |
| Cost of funding earning assets | 0.3667% | 4,164 |
| Net interest margin | 3.6981% | 3,029 |
| Noninterest income to average assets | 0.1163% | 6,181 |
| Noninterest expense to average assets | 2.9536% | 2,954 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6614% | 4,152 |
| Return on assets (ROA) | 0.6717% | 4,183 |
| Pretax return on assets | 0.6344% | 4,924 |
| Return on Equity (ROE) | 6.8931% | 3,758 |
| Retained earnings to average equity (ytd only) | 6.8931% | 1,873 |
| Net charge-offs to loans | -0.0113% | 5,453 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5533% | 1,547 |
| Assets per employee ($millions) | 5.6447% | 1,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8860% | 1,481 |
| Loan loss allowance to noncurrent loans | 90.3581% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 1.4643% | 2,108 |
| Noncurrent loans to loans | 2.0873% | 1,504 |
| Net loans and leases to total assets | 58.1311% | 4,054 |
| Net loans and leases to deposits | 70.5934% | 3,849 |
| Net loans and leases to core deposits | 80.7808% | 3,217 |
| Total domestic deposits to total assets | 82.3464% | 4,364 |
| Equity capital to assets | 9.8887% | 4,310 |
| Core capital (leverage) ratio | 9.9958% | 3,683 |
| Tier 1 risk-based capital ratio | 14.5559% | 3,853 |
| Total risk-based capital ratio | 15.8109% | 3,792 |
| Memoranda: | ||
| Average total assets | $143,323,750 | 3,771 |
| Average earning assets | $134,155,000 | 3,719 |
| Average equity | $13,965,250 | 4,046 |
| Average total loans | $82,617,750 | 3,828 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9539% | 3,918 |
| Cost of funding earning assets | 0.3573% | 4,345 |
| Net interest margin | 3.5966% | 3,371 |
| Noninterest income to average assets | 0.1139% | 6,223 |
| Noninterest expense to average assets | 2.8851% | 3,219 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6555% | 4,065 |
| Return on assets (ROA) | 0.6710% | 4,085 |
| Pretax return on assets | 0.6147% | 4,909 |
| Return on Equity (ROE) | 6.9217% | 3,664 |
| Retained earnings to average equity (ytd only) | 6.9217% | 1,807 |
| Net charge-offs to loans | -0.0049% | 5,175 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8018% | 1,654 |
| Assets per employee ($millions) | 5.8813% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8517% | 1,697 |
| Loan loss allowance to noncurrent loans | 88.5699% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 1.4827% | 2,201 |
| Noncurrent loans to loans | 2.0906% | 1,600 |
| Net loans and leases to total assets | 58.9419% | 3,871 |
| Net loans and leases to deposits | 72.5683% | 3,494 |
| Net loans and leases to core deposits | 82.9884% | 2,857 |
| Total domestic deposits to total assets | 81.2226% | 4,912 |
| Equity capital to assets | 9.7039% | 4,486 |
| Core capital (leverage) ratio | 10.0821% | 3,495 |
| Tier 1 risk-based capital ratio | 14.4956% | 3,936 |
| Total risk-based capital ratio | 15.7506% | 3,872 |
| Memoranda: | ||
| Average total assets | $142,177,330 | 3,816 |
| Average earning assets | $133,236,330 | 3,753 |
| Average equity | $13,782,670 | 4,083 |
| Average total loans | $81,172,000 | 3,875 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0048% | 3,665 |
| Cost of funding earning assets | 0.3411% | 4,635 |
| Net interest margin | 3.6637% | 3,008 |
| Noninterest income to average assets | 0.1145% | 6,282 |
| Noninterest expense to average assets | 2.9052% | 3,189 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6526% | 3,941 |
| Return on assets (ROA) | 0.6640% | 3,965 |
| Pretax return on assets | 0.6640% | 4,622 |
| Return on Equity (ROE) | 6.8538% | 3,555 |
| Retained earnings to average equity (ytd only) | 6.8538% | 2,113 |
| Net charge-offs to loans | -0.0052% | 4,829 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6573% | 1,973 |
| Assets per employee ($millions) | 6.3853% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1066% | 1,314 |
| Loan loss allowance to noncurrent loans | 45.6552% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 2.7855% | 1,073 |
| Noncurrent loans to loans | 4.6143% | 511 |
| Net loans and leases to total assets | 54.0519% | 4,409 |
| Net loans and leases to deposits | 67.0381% | 3,969 |
| Net loans and leases to core deposits | 75.2773% | 3,493 |
| Total domestic deposits to total assets | 80.6287% | 5,342 |
| Equity capital to assets | 9.8565% | 4,023 |
| Core capital (leverage) ratio | 10.1046% | 3,421 |
| Tier 1 risk-based capital ratio | 15.5765% | 3,396 |
| Total risk-based capital ratio | 16.8334% | 3,357 |
| Memoranda: | ||
| Average total assets | $139,749,500 | 3,884 |
| Average earning assets | $131,343,000 | 3,810 |
| Average equity | $13,540,000 | 4,146 |
| Average total loans | $77,608,500 | 4,010 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9775% | 4,161 |
| Cost of funding earning assets | 0.4044% | 4,600 |
| Net interest margin | 3.5731% | 3,585 |
| Noninterest income to average assets | 0.0980% | 6,393 |
| Noninterest expense to average assets | 2.8731% | 3,450 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6310% | 4,108 |
| Return on assets (ROA) | 0.7743% | 3,518 |
| Pretax return on assets | 0.7268% | 4,430 |
| Return on Equity (ROE) | 7.9063% | 3,075 |
| Retained earnings to average equity (ytd only) | 7.9063% | 1,087 |
| Net charge-offs to loans | -0.0026% | 5,870 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1186% | 1,736 |
| Assets per employee ($millions) | 6.6201% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1029% | 1,326 |
| Loan loss allowance to noncurrent loans | 43.2125% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 2.9585% | 1,078 |
| Noncurrent loans to loans | 4.8665% | 534 |
| Net loans and leases to total assets | 54.6816% | 4,504 |
| Net loans and leases to deposits | 68.2994% | 4,006 |
| Net loans and leases to core deposits | 76.3721% | 3,570 |
| Total domestic deposits to total assets | 80.0616% | 5,433 |
| Equity capital to assets | 9.5193% | 4,402 |
| Core capital (leverage) ratio | 10.0604% | 3,484 |
| Tier 1 risk-based capital ratio | 15.2281% | 3,528 |
| Total risk-based capital ratio | 16.4851% | 3,472 |
| Memoranda: | ||
| Average total assets | $134,699,600 | 3,985 |
| Average earning assets | $126,613,000 | 3,915 |
| Average equity | $13,192,000 | 4,226 |
| Average total loans | $75,496,600 | 4,077 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9831% | 4,200 |
| Cost of funding earning assets | 0.4185% | 4,638 |
| Net interest margin | 3.5646% | 3,600 |
| Noninterest income to average assets | 0.1008% | 6,478 |
| Noninterest expense to average assets | 2.8498% | 3,488 |
| Loan and lease loss provision to assets | 0.0399% | 4,211 |
| Net operating income to assets | 0.5598% | 4,528 |
| Return on assets (ROA) | 0.6755% | 4,126 |
| Pretax return on assets | 0.6755% | 4,769 |
| Return on Equity (ROE) | 6.8478% | 3,740 |
| Retained earnings to average equity (ytd only) | 6.8478% | 1,950 |
| Net charge-offs to loans | -0.0036% | 5,739 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6150% | 1,741 |
| Assets per employee ($millions) | 6.8466% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2278% | 1,289 |
| Loan loss allowance to noncurrent loans | 36.9642% | 5,743 |
| Noncurrent assets plus other real estate owned to assets | 3.5784% | 931 |
| Noncurrent loans to loans | 6.0268% | 425 |
| Net loans and leases to total assets | 53.6219% | 4,675 |
| Net loans and leases to deposits | 61.7473% | 4,794 |
| Net loans and leases to core deposits | 69.1449% | 4,417 |
| Total domestic deposits to total assets | 86.8408% | 2,781 |
| Equity capital to assets | 9.5705% | 4,463 |
| Core capital (leverage) ratio | 9.8235% | 3,926 |
| Tier 1 risk-based capital ratio | 15.3171% | 3,558 |
| Total risk-based capital ratio | 16.5840% | 3,501 |
| Memoranda: | ||
| Average total assets | $133,618,750 | 4,044 |
| Average earning assets | $125,527,000 | 3,974 |
| Average equity | $13,181,500 | 4,275 |
| Average total loans | $74,957,500 | 4,121 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9727% | 4,212 |
| Cost of funding earning assets | 0.4378% | 4,568 |
| Net interest margin | 3.5349% | 3,634 |
| Noninterest income to average assets | 0.1253% | 6,428 |
| Noninterest expense to average assets | 2.8525% | 3,500 |
| Loan and lease loss provision to assets | 0.0604% | 3,798 |
| Net operating income to assets | 0.5388% | 4,617 |
| Return on assets (ROA) | 0.6324% | 4,295 |
| Pretax return on assets | 0.6324% | 4,904 |
| Return on Equity (ROE) | 6.3451% | 3,971 |
| Retained earnings to average equity (ytd only) | 6.3451% | 2,238 |
| Net charge-offs to loans | -0.0027% | 5,559 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6410% | 1,804 |
| Assets per employee ($millions) | 6.3996% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1714% | 1,481 |
| Loan loss allowance to noncurrent loans | 36.2926% | 5,787 |
| Noncurrent assets plus other real estate owned to assets | 3.8239% | 947 |
| Noncurrent loans to loans | 5.9830% | 476 |
| Net loans and leases to total assets | 56.0517% | 4,281 |
| Net loans and leases to deposits | 64.5697% | 4,426 |
| Net loans and leases to core deposits | 73.0839% | 3,914 |
| Total domestic deposits to total assets | 86.8080% | 2,935 |
| Equity capital to assets | 9.5296% | 4,549 |
| Core capital (leverage) ratio | 10.0304% | 3,467 |
| Tier 1 risk-based capital ratio | 14.5853% | 4,039 |
| Total risk-based capital ratio | 15.8514% | 3,995 |
| Memoranda: | ||
| Average total assets | $132,514,670 | 4,087 |
| Average earning assets | $124,700,670 | 4,021 |
| Average equity | $13,207,000 | 4,294 |
| Average total loans | $74,910,670 | 4,139 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8371% | 4,688 |
| Cost of funding earning assets | 0.4586% | 4,499 |
| Net interest margin | 3.3784% | 4,201 |
| Noninterest income to average assets | 0.1216% | 6,492 |
| Noninterest expense to average assets | 2.7756% | 3,783 |
| Loan and lease loss provision to assets | 0.0608% | 3,626 |
| Net operating income to assets | 0.4651% | 4,852 |
| Return on assets (ROA) | 0.4651% | 5,013 |
| Pretax return on assets | 0.4651% | 5,375 |
| Return on Equity (ROE) | 4.5648% | 4,806 |
| Retained earnings to average equity (ytd only) | 4.5648% | 3,494 |
| Net charge-offs to loans | -0.0054% | 5,287 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0700% | 1,760 |
| Assets per employee ($millions) | 6.2990% | 1,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2690% | 1,458 |
| Loan loss allowance to noncurrent loans | 35.2690% | 5,809 |
| Noncurrent assets plus other real estate owned to assets | 3.9750% | 1,008 |
| Noncurrent loans to loans | 6.4333% | 502 |
| Net loans and leases to total assets | 53.7935% | 4,450 |
| Net loans and leases to deposits | 62.4529% | 4,481 |
| Net loans and leases to core deposits | 71.2660% | 3,921 |
| Total domestic deposits to total assets | 86.1345% | 3,456 |
| Equity capital to assets | 10.1755% | 3,927 |
| Core capital (leverage) ratio | 9.8653% | 3,582 |
| Tier 1 risk-based capital ratio | 14.5107% | 4,168 |
| Total risk-based capital ratio | 15.7779% | 4,122 |
| Memoranda: | ||
| Average total assets | $131,576,000 | 4,147 |
| Average earning assets | $123,844,000 | 4,071 |
| Average equity | $13,407,000 | 4,305 |
| Average total loans | $73,865,500 | 4,207 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4399% | 3,658 |
| Cost of funding earning assets | 0.6047% | 4,301 |
| Net interest margin | 3.8351% | 3,086 |
| Noninterest income to average assets | -0.0155% | 6,860 |
| Noninterest expense to average assets | 2.9281% | 3,540 |
| Loan and lease loss provision to assets | 0.3798% | 1,722 |
| Net operating income to assets | 0.2973% | 5,479 |
| Return on assets (ROA) | 0.4925% | 4,965 |
| Pretax return on assets | 0.4925% | 5,302 |
| Return on Equity (ROE) | 4.6042% | 4,879 |
| Retained earnings to average equity (ytd only) | 4.6042% | 2,984 |
| Net charge-offs to loans | 0.7011% | 1,686 |
| Credit loss provision to net charge-offs | 88.5714% | 3,530 |
| Earnings coverage of net charge-offs (x) | 1.5790% | 4,652 |
| Efficiency ratio | 81.2188% | 1,981 |
| Assets per employee ($millions) | 6.2321% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1769% | 1,590 |
| Loan loss allowance to noncurrent loans | 26.7728% | 6,185 |
| Noncurrent assets plus other real estate owned to assets | 5.0934% | 750 |
| Noncurrent loans to loans | 8.1311% | 356 |
| Net loans and leases to total assets | 56.0012% | 4,291 |
| Net loans and leases to deposits | 66.5701% | 4,197 |
| Net loans and leases to core deposits | 77.1346% | 3,378 |
| Total domestic deposits to total assets | 84.1237% | 4,260 |
| Equity capital to assets | 10.2037% | 3,884 |
| Core capital (leverage) ratio | 9.7932% | 3,668 |
| Tier 1 risk-based capital ratio | 14.0600% | 4,337 |
| Total risk-based capital ratio | 15.3260% | 4,284 |
| Memoranda: | ||
| Average total assets | $122,435,400 | 4,303 |
| Average earning assets | $115,589,400 | 4,219 |
| Average equity | $13,096,800 | 4,338 |
| Average total loans | $74,883,400 | 4,179 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5653% | 3,356 |
| Cost of funding earning assets | 0.6192% | 4,457 |
| Net interest margin | 3.9461% | 2,720 |
| Noninterest income to average assets | -0.0565% | 6,996 |
| Noninterest expense to average assets | 2.9652% | 3,356 |
| Loan and lease loss provision to assets | 0.4432% | 1,423 |
| Net operating income to assets | 0.2637% | 5,737 |
| Return on assets (ROA) | 0.4333% | 5,343 |
| Pretax return on assets | 0.4333% | 5,640 |
| Return on Equity (ROE) | 4.0002% | 5,294 |
| Retained earnings to average equity (ytd only) | 4.0002% | 4,072 |
| Net charge-offs to loans | 0.9367% | 1,154 |
| Credit loss provision to net charge-offs | 76.0456% | 3,737 |
| Earnings coverage of net charge-offs (x) | 1.2129% | 4,692 |
| Efficiency ratio | 80.7483% | 1,982 |
| Assets per employee ($millions) | 6.0653% | 1,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0981% | 1,910 |
| Loan loss allowance to noncurrent loans | 26.1925% | 6,298 |
| Noncurrent assets plus other real estate owned to assets | 5.1950% | 841 |
| Noncurrent loans to loans | 8.0102% | 389 |
| Net loans and leases to total assets | 57.3336% | 4,237 |
| Net loans and leases to deposits | 67.8910% | 4,200 |
| Net loans and leases to core deposits | 78.9549% | 3,332 |
| Total domestic deposits to total assets | 84.4495% | 4,002 |
| Equity capital to assets | 10.5384% | 3,798 |
| Core capital (leverage) ratio | 10.3854% | 3,053 |
| Tier 1 risk-based capital ratio | 14.0092% | 4,509 |
| Total risk-based capital ratio | 15.2745% | 4,464 |
| Memoranda: | ||
| Average total assets | $120,325,750 | 4,390 |
| Average earning assets | $113,695,750 | 4,296 |
| Average equity | $13,032,500 | 4,388 |
| Average total loans | $74,873,750 | 4,233 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7493% | 2,722 |
| Cost of funding earning assets | 0.6343% | 4,586 |
| Net interest margin | 4.1150% | 2,032 |
| Noninterest income to average assets | -0.1492% | 7,119 |
| Noninterest expense to average assets | 3.0531% | 3,071 |
| Loan and lease loss provision to assets | 0.3984% | 1,648 |
| Net operating income to assets | 0.3034% | 5,608 |
| Return on assets (ROA) | 0.4628% | 5,230 |
| Pretax return on assets | 0.4628% | 5,541 |
| Return on Equity (ROE) | 4.2318% | 5,164 |
| Retained earnings to average equity (ytd only) | 4.2318% | 3,795 |
| Net charge-offs to loans | 0.6136% | 1,786 |
| Credit loss provision to net charge-offs | 102.1739% | 2,663 |
| Earnings coverage of net charge-offs (x) | 1.8000% | 4,077 |
| Efficiency ratio | 81.3093% | 1,985 |
| Assets per employee ($millions) | 5.7186% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2281% | 1,710 |
| Loan loss allowance to noncurrent loans | 82.2502% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 2.2516% | 2,482 |
| Noncurrent loans to loans | 2.7090% | 2,216 |
| Net loans and leases to total assets | 61.9705% | 3,443 |
| Net loans and leases to deposits | 73.9632% | 3,302 |
| Net loans and leases to core deposits | 84.5319% | 2,621 |
| Total domestic deposits to total assets | 83.7856% | 4,407 |
| Equity capital to assets | 10.9126% | 3,216 |
| Core capital (leverage) ratio | 10.7510% | 2,539 |
| Tier 1 risk-based capital ratio | 13.9638% | 4,471 |
| Total risk-based capital ratio | 15.2308% | 4,431 |
| Memoranda: | ||
| Average total assets | $117,977,000 | 4,467 |
| Average earning assets | $111,932,330 | 4,367 |
| Average equity | $12,902,330 | 4,412 |
| Average total loans | $74,967,670 | 4,252 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7669% | 2,774 |
| Cost of funding earning assets | 0.6499% | 4,739 |
| Net interest margin | 4.1170% | 2,037 |
| Noninterest income to average assets | -0.2737% | 7,218 |
| Noninterest expense to average assets | 3.0824% | 2,977 |
| Loan and lease loss provision to assets | 0.2053% | 2,905 |
| Net operating income to assets | 0.3832% | 5,330 |
| Return on assets (ROA) | 0.3832% | 5,511 |
| Pretax return on assets | 0.3832% | 5,770 |
| Return on Equity (ROE) | 3.4997% | 5,510 |
| Retained earnings to average equity (ytd only) | 3.4997% | 4,479 |
| Net charge-offs to loans | -0.1075% | 6,817 |
| Credit loss provision to net charge-offs | -300.0000% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9702% | 1,689 |
| Assets per employee ($millions) | 5.5879% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3535% | 1,585 |
| Loan loss allowance to noncurrent loans | 85.3494% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 2.3478% | 2,537 |
| Noncurrent loans to loans | 2.7575% | 2,356 |
| Net loans and leases to total assets | 62.6174% | 3,141 |
| Net loans and leases to deposits | 74.9656% | 2,976 |
| Net loans and leases to core deposits | 85.7318% | 2,324 |
| Total domestic deposits to total assets | 83.5282% | 4,703 |
| Equity capital to assets | 11.0579% | 2,840 |
| Core capital (leverage) ratio | 10.4679% | 2,789 |
| Tier 1 risk-based capital ratio | 14.1786% | 4,334 |
| Total risk-based capital ratio | 15.4483% | 4,295 |
| Memoranda: | ||
| Average total assets | $116,920,000 | 4,519 |
| Average earning assets | $112,023,000 | 4,385 |
| Average equity | $12,801,000 | 4,437 |
| Average total loans | $74,393,000 | 4,299 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8633% | 3,529 |
| Cost of funding earning assets | 0.7643% | 5,104 |
| Net interest margin | 4.0990% | 2,430 |
| Noninterest income to average assets | -0.1457% | 7,130 |
| Noninterest expense to average assets | 3.2000% | 2,871 |
| Loan and lease loss provision to assets | 0.4885% | 2,164 |
| Net operating income to assets | 0.3010% | 5,247 |
| Return on assets (ROA) | 0.4301% | 4,932 |
| Pretax return on assets | 0.2111% | 5,755 |
| Return on Equity (ROE) | 4.0109% | 4,842 |
| Retained earnings to average equity (ytd only) | 4.0109% | 3,339 |
| Net charge-offs to loans | 0.4620% | 3,139 |
| Credit loss provision to net charge-offs | 162.7907% | 1,685 |
| Earnings coverage of net charge-offs (x) | 1.9012% | 4,348 |
| Efficiency ratio | 84.8681% | 1,676 |
| Assets per employee ($millions) | 5.8247% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2996% | 1,616 |
| Loan loss allowance to noncurrent loans | 80.7545% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 2.4671% | 2,466 |
| Noncurrent loans to loans | 2.8476% | 2,296 |
| Net loans and leases to total assets | 61.6727% | 3,666 |
| Net loans and leases to deposits | 73.7257% | 3,541 |
| Net loans and leases to core deposits | 84.5932% | 2,804 |
| Total domestic deposits to total assets | 83.6515% | 4,471 |
| Equity capital to assets | 10.8383% | 3,150 |
| Core capital (leverage) ratio | 10.2482% | 3,031 |
| Tier 1 risk-based capital ratio | 14.3693% | 4,066 |
| Total risk-based capital ratio | 15.6384% | 4,022 |
| Memoranda: | ||
| Average total assets | $114,626,000 | 4,532 |
| Average earning assets | $109,514,200 | 4,408 |
| Average equity | $12,291,400 | 4,482 |
| Average total loans | $74,463,600 | 4,330 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8617% | 3,721 |
| Cost of funding earning assets | 0.7830% | 5,261 |
| Net interest margin | 4.0787% | 2,561 |
| Noninterest income to average assets | -0.2207% | 7,280 |
| Noninterest expense to average assets | 3.2025% | 2,828 |
| Loan and lease loss provision to assets | 0.4788% | 2,076 |
| Net operating income to assets | 0.1086% | 5,942 |
| Return on assets (ROA) | 0.2815% | 5,628 |
| Pretax return on assets | 0.1647% | 5,966 |
| Return on Equity (ROE) | 2.6322% | 5,566 |
| Retained earnings to average equity (ytd only) | 2.6322% | 4,785 |
| Net charge-offs to loans | 0.5980% | 2,467 |
| Credit loss provision to net charge-offs | 122.3881% | 2,645 |
| Earnings coverage of net charge-offs (x) | 1.2030% | 4,724 |
| Efficiency ratio | 87.1860% | 1,420 |
| Assets per employee ($millions) | 5.5391% | 1,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0208% | 2,277 |
| Loan loss allowance to noncurrent loans | 65.6078% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 3.0914% | 2,070 |
| Noncurrent loans to loans | 3.0801% | 2,252 |
| Net loans and leases to total assets | 64.5670% | 3,193 |
| Net loans and leases to deposits | 77.0853% | 3,156 |
| Net loans and leases to core deposits | 88.7221% | 2,407 |
| Total domestic deposits to total assets | 83.7605% | 4,341 |
| Equity capital to assets | 10.7693% | 3,397 |
| Core capital (leverage) ratio | 10.3452% | 3,042 |
| Tier 1 risk-based capital ratio | 13.7540% | 4,535 |
| Total risk-based capital ratio | 15.0220% | 4,483 |
| Memoranda: | ||
| Average total assets | $114,159,000 | 4,575 |
| Average earning assets | $108,985,500 | 4,450 |
| Average equity | $12,207,750 | 4,513 |
| Average total loans | $74,695,500 | 4,357 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8536% | 3,852 |
| Cost of funding earning assets | 0.7991% | 5,371 |
| Net interest margin | 4.0545% | 2,594 |
| Noninterest income to average assets | -0.1693% | 7,326 |
| Noninterest expense to average assets | 3.2881% | 2,605 |
| Loan and lease loss provision to assets | 0.5289% | 1,846 |
| Net operating income to assets | -0.1128% | 6,363 |
| Return on assets (ROA) | 0.1481% | 5,982 |
| Pretax return on assets | 0.1481% | 6,023 |
| Return on Equity (ROE) | 1.3883% | 5,982 |
| Retained earnings to average equity (ytd only) | 1.3883% | 5,297 |
| Net charge-offs to loans | 0.7077% | 2,096 |
| Credit loss provision to net charge-offs | 114.5038% | 2,674 |
| Earnings coverage of net charge-offs (x) | 0.9008% | 4,624 |
| Efficiency ratio | 88.7673% | 1,345 |
| Assets per employee ($millions) | 5.4033% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0064% | 2,359 |
| Loan loss allowance to noncurrent loans | 65.2718% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 3.2925% | 2,024 |
| Noncurrent loans to loans | 3.0739% | 2,346 |
| Net loans and leases to total assets | 65.1253% | 3,226 |
| Net loans and leases to deposits | 77.9833% | 3,122 |
| Net loans and leases to core deposits | 89.1399% | 2,480 |
| Total domestic deposits to total assets | 83.5118% | 4,545 |
| Equity capital to assets | 10.8972% | 3,067 |
| Core capital (leverage) ratio | 10.4073% | 2,824 |
| Tier 1 risk-based capital ratio | 14.1240% | 4,081 |
| Total risk-based capital ratio | 15.3929% | 4,036 |
| Memoranda: | ||
| Average total assets | $113,438,330 | 4,624 |
| Average earning assets | $108,372,670 | 4,494 |
| Average equity | $12,101,330 | 4,531 |
| Average total loans | $74,042,670 | 4,430 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7669% | 4,221 |
| Cost of funding earning assets | 0.8117% | 5,518 |
| Net interest margin | 3.9552% | 2,894 |
| Noninterest income to average assets | -0.3950% | 7,479 |
| Noninterest expense to average assets | 3.4243% | 2,212 |
| Loan and lease loss provision to assets | 0.2645% | 3,018 |
| Net operating income to assets | -0.3033% | 6,665 |
| Return on assets (ROA) | 0.1587% | 5,969 |
| Pretax return on assets | 0.1587% | 6,031 |
| Return on Equity (ROE) | 1.5038% | 5,984 |
| Retained earnings to average equity (ytd only) | 1.5038% | 5,212 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1458% | 702 |
| Assets per employee ($millions) | 5.2204% | 1,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1006% | 2,186 |
| Loan loss allowance to noncurrent loans | 43.9592% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 3.6918% | 1,834 |
| Noncurrent loans to loans | 4.7785% | 1,432 |
| Net loans and leases to total assets | 62.8997% | 3,683 |
| Net loans and leases to deposits | 72.5954% | 3,972 |
| Net loans and leases to core deposits | 81.9399% | 3,464 |
| Total domestic deposits to total assets | 86.6441% | 3,156 |
| Equity capital to assets | 10.4172% | 3,266 |
| Core capital (leverage) ratio | 10.2679% | 2,845 |
| Tier 1 risk-based capital ratio | 14.2836% | 3,883 |
| Total risk-based capital ratio | 15.5519% | 3,828 |
| Memoranda: | ||
| Average total assets | $113,423,000 | 4,659 |
| Average earning assets | $108,414,500 | 4,517 |
| Average equity | $11,969,500 | 4,553 |
| Average total loans | $73,359,000 | 4,492 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0355% | 4,387 |
| Cost of funding earning assets | 1.1543% | 4,824 |
| Net interest margin | 3.8812% | 3,580 |
| Noninterest income to average assets | 0.2565% | 5,966 |
| Noninterest expense to average assets | 3.4200% | 2,381 |
| Loan and lease loss provision to assets | 0.4107% | 3,642 |
| Net operating income to assets | 0.2528% | 5,102 |
| Return on assets (ROA) | 0.3240% | 5,014 |
| Pretax return on assets | 0.2072% | 5,476 |
| Return on Equity (ROE) | 3.0119% | 4,951 |
| Retained earnings to average equity (ytd only) | 3.0119% | 3,740 |
| Net charge-offs to loans | 0.9096% | 2,370 |
| Credit loss provision to net charge-offs | 70.8661% | 5,842 |
| Earnings coverage of net charge-offs (x) | 0.9433% | 5,169 |
| Efficiency ratio | 86.2172% | 1,671 |
| Assets per employee ($millions) | 4.6666% | 2,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0225% | 2,245 |
| Loan loss allowance to noncurrent loans | 47.9675% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 3.5492% | 1,944 |
| Noncurrent loans to loans | 4.2164% | 1,718 |
| Net loans and leases to total assets | 63.7994% | 3,915 |
| Net loans and leases to deposits | 76.7225% | 3,727 |
| Net loans and leases to core deposits | 86.8921% | 3,201 |
| Total domestic deposits to total assets | 83.1559% | 4,731 |
| Equity capital to assets | 10.6922% | 2,966 |
| Core capital (leverage) ratio | 10.1534% | 2,924 |
| Tier 1 risk-based capital ratio | 14.1765% | 3,752 |
| Total risk-based capital ratio | 15.4319% | 3,704 |
| Memoranda: | ||
| Average total assets | $109,561,800 | 4,727 |
| Average earning assets | $104,735,400 | 4,592 |
| Average equity | $11,786,600 | 4,675 |
| Average total loans | $69,808,800 | 4,690 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0667% | 4,498 |
| Cost of funding earning assets | 1.2122% | 4,787 |
| Net interest margin | 3.8545% | 3,736 |
| Noninterest income to average assets | 0.2411% | 6,166 |
| Noninterest expense to average assets | 3.4534% | 2,151 |
| Loan and lease loss provision to assets | 0.3671% | 3,701 |
| Net operating income to assets | 0.1016% | 5,775 |
| Return on assets (ROA) | 0.1958% | 5,680 |
| Pretax return on assets | 0.1958% | 5,741 |
| Return on Equity (ROE) | 1.8172% | 5,673 |
| Retained earnings to average equity (ytd only) | 1.8172% | 5,055 |
| Net charge-offs to loans | 0.5640% | 3,060 |
| Credit loss provision to net charge-offs | 102.7397% | 4,185 |
| Earnings coverage of net charge-offs (x) | 1.3116% | 4,767 |
| Efficiency ratio | 88.0499% | 1,444 |
| Assets per employee ($millions) | 5.2363% | 1,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2723% | 1,664 |
| Loan loss allowance to noncurrent loans | 65.9028% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 2.1971% | 3,205 |
| Noncurrent loans to loans | 3.4479% | 2,312 |
| Net loans and leases to total assets | 62.2737% | 4,467 |
| Net loans and leases to deposits | 72.0529% | 4,835 |
| Net loans and leases to core deposits | 82.6856% | 4,134 |
| Total domestic deposits to total assets | 86.4277% | 2,835 |
| Equity capital to assets | 10.5757% | 3,436 |
| Core capital (leverage) ratio | 9.9159% | 3,340 |
| Tier 1 risk-based capital ratio | 14.2515% | 3,662 |
| Total risk-based capital ratio | 15.5107% | 3,617 |
| Memoranda: | ||
| Average total assets | $108,952,750 | 4,802 |
| Average earning assets | $104,050,000 | 4,665 |
| Average equity | $11,739,500 | 4,756 |
| Average total loans | $69,028,750 | 4,793 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0760% | 4,583 |
| Cost of funding earning assets | 1.2597% | 4,766 |
| Net interest margin | 3.8164% | 3,827 |
| Noninterest income to average assets | 0.2246% | 6,312 |
| Noninterest expense to average assets | 3.6025% | 1,776 |
| Loan and lease loss provision to assets | 0.2807% | 4,158 |
| Net operating income to assets | -0.0299% | 6,118 |
| Return on assets (ROA) | 0.1142% | 5,934 |
| Pretax return on assets | 0.1142% | 5,950 |
| Return on Equity (ROE) | 1.0525% | 5,940 |
| Retained earnings to average equity (ytd only) | 1.0525% | 5,344 |
| Net charge-offs to loans | 0.5920% | 2,751 |
| Credit loss provision to net charge-offs | 75.0000% | 4,838 |
| Earnings coverage of net charge-offs (x) | 0.6700% | 5,075 |
| Efficiency ratio | 93.4920% | 1,092 |
| Assets per employee ($millions) | 4.7448% | 2,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2172% | 1,729 |
| Loan loss allowance to noncurrent loans | 48.8175% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 2.8962% | 2,485 |
| Noncurrent loans to loans | 4.5418% | 1,602 |
| Net loans and leases to total assets | 62.3540% | 4,614 |
| Net loans and leases to deposits | 72.1002% | 4,973 |
| Net loans and leases to core deposits | 85.0981% | 3,978 |
| Total domestic deposits to total assets | 86.4824% | 2,829 |
| Equity capital to assets | 10.5107% | 3,399 |
| Core capital (leverage) ratio | 10.0917% | 3,076 |
| Tier 1 risk-based capital ratio | 14.0025% | 3,732 |
| Total risk-based capital ratio | 15.2621% | 3,690 |
| Memoranda: | ||
| Average total assets | $106,871,000 | 4,890 |
| Average earning assets | $101,615,330 | 4,758 |
| Average equity | $11,591,670 | 4,784 |
| Average total loans | $67,569,670 | 4,880 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3405% | 3,342 |
| Cost of funding earning assets | 1.2684% | 5,013 |
| Net interest margin | 4.0721% | 2,558 |
| Noninterest income to average assets | 0.2515% | 6,142 |
| Noninterest expense to average assets | 3.8270% | 1,284 |
| Loan and lease loss provision to assets | 0.2902% | 3,699 |
| Net operating income to assets | -0.0271% | 6,343 |
| Return on assets (ROA) | 0.1741% | 5,902 |
| Pretax return on assets | 0.1741% | 5,960 |
| Return on Equity (ROE) | 1.5785% | 5,930 |
| Retained earnings to average equity (ytd only) | 1.5785% | 5,157 |
| Net charge-offs to loans | 1.2299% | 1,381 |
| Credit loss provision to net charge-offs | 37.5000% | 4,678 |
| Earnings coverage of net charge-offs (x) | 0.3400% | 4,735 |
| Efficiency ratio | 93.5667% | 1,163 |
| Assets per employee ($millions) | 4.3387% | 3,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3207% | 1,541 |
| Loan loss allowance to noncurrent loans | 117.0862% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 1.2590% | 4,657 |
| Noncurrent loans to loans | 1.9820% | 3,811 |
| Net loans and leases to total assets | 62.0471% | 4,739 |
| Net loans and leases to deposits | 72.3732% | 5,002 |
| Net loans and leases to core deposits | 83.7436% | 4,242 |
| Total domestic deposits to total assets | 85.7321% | 3,291 |
| Equity capital to assets | 11.0718% | 2,703 |
| Core capital (leverage) ratio | 10.6676% | 2,477 |
| Tier 1 risk-based capital ratio | 15.2050% | 3,004 |
| Total risk-based capital ratio | 16.4658% | 2,960 |
| Memoranda: | ||
| Average total assets | $103,369,500 | 5,048 |
| Average earning assets | $97,443,500 | 4,943 |
| Average equity | $11,403,000 | 4,868 |
| Average total loans | $65,047,000 | 5,039 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5735% | 3,739 |
| Cost of funding earning assets | 1.3861% | 5,989 |
| Net interest margin | 4.1874% | 2,116 |
| Noninterest income to average assets | 0.4311% | 4,948 |
| Noninterest expense to average assets | 4.8786% | 575 |
| Loan and lease loss provision to assets | 2.1915% | 949 |
| Net operating income to assets | -2.7317% | 7,326 |
| Return on assets (ROA) | -2.5434% | 7,279 |
| Pretax return on assets | -2.5434% | 7,156 |
| Return on Equity (ROE) | -16.2810% | 7,003 |
| Retained earnings to average equity (ytd only) | -16.2810% | 6,951 |
| Net charge-offs to loans | 1.2921% | 1,924 |
| Credit loss provision to net charge-offs | 268.0303% | 1,302 |
| Earnings coverage of net charge-offs (x) | -0.6606% | 6,786 |
| Efficiency ratio | 112.4500% | 756 |
| Assets per employee ($millions) | 3.9465% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5942% | 1,123 |
| Loan loss allowance to noncurrent loans | 109.7222% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 1.4735% | 4,181 |
| Noncurrent loans to loans | 2.3643% | 3,208 |
| Net loans and leases to total assets | 60.7066% | 5,230 |
| Net loans and leases to deposits | 70.8932% | 5,484 |
| Net loans and leases to core deposits | 135.7605% | 964 |
| Total domestic deposits to total assets | 85.6310% | 3,205 |
| Equity capital to assets | 10.9902% | 2,709 |
| Core capital (leverage) ratio | 11.3898% | 1,975 |
| Tier 1 risk-based capital ratio | 14.9877% | 2,942 |
| Total risk-based capital ratio | 16.2498% | 2,889 |
| Memoranda: | ||
| Average total assets | $80,719,400 | 5,710 |
| Average earning assets | $75,320,800 | 5,624 |
| Average equity | $12,609,800 | 4,610 |
| Average total loans | $51,077,800 | 5,621 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5549% | 4,123 |
| Cost of funding earning assets | 1.4323% | 6,113 |
| Net interest margin | 4.1226% | 2,311 |
| Noninterest income to average assets | 0.4306% | 5,040 |
| Noninterest expense to average assets | 5.0304% | 475 |
| Loan and lease loss provision to assets | 1.0224% | 1,877 |
| Net operating income to assets | -1.7666% | 7,220 |
| Return on assets (ROA) | -1.5540% | 7,136 |
| Pretax return on assets | -1.5540% | 6,992 |
| Return on Equity (ROE) | -9.0342% | 6,816 |
| Retained earnings to average equity (ytd only) | -9.0342% | 6,708 |
| Net charge-offs to loans | 0.6185% | 2,824 |
| Credit loss provision to net charge-offs | 259.9099% | 1,644 |
| Earnings coverage of net charge-offs (x) | -1.8919% | 6,731 |
| Efficiency ratio | 117.3625% | 639 |
| Assets per employee ($millions) | 3.5303% | 4,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4989% | 3,449 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 64.7917% | 4,700 |
| Net loans and leases to deposits | 78.5407% | 4,651 |
| Net loans and leases to core deposits | 153.1140% | 510 |
| Total domestic deposits to total assets | 82.4944% | 4,456 |
| Equity capital to assets | 13.7730% | 1,388 |
| Core capital (leverage) ratio | 14.4482% | 966 |
| Tier 1 risk-based capital ratio | 17.2954% | 2,185 |
| Total risk-based capital ratio | 18.5464% | 2,131 |
| Memoranda: | ||
| Average total assets | $75,246,750 | 5,901 |
| Average earning assets | $70,374,000 | 5,831 |
| Average equity | $12,943,000 | 4,556 |
| Average total loans | $47,859,750 | 5,808 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7125% | 3,466 |
| Cost of funding earning assets | 1.5035% | 6,125 |
| Net interest margin | 4.2090% | 1,962 |
| Noninterest income to average assets | 0.4474% | 4,872 |
| Noninterest expense to average assets | 5.1941% | 454 |
| Loan and lease loss provision to assets | 1.0813% | 1,584 |
| Net operating income to assets | -1.9015% | 7,402 |
| Return on assets (ROA) | -1.5574% | 7,279 |
| Pretax return on assets | -1.5574% | 7,114 |
| Return on Equity (ROE) | -8.3261% | 6,920 |
| Retained earnings to average equity (ytd only) | -8.3261% | 6,708 |
| Net charge-offs to loans | 1.0163% | 1,744 |
| Credit loss provision to net charge-offs | 169.8198% | 2,712 |
| Earnings coverage of net charge-offs (x) | -1.2883% | 6,286 |
| Efficiency ratio | 118.7541% | 687 |
| Assets per employee ($millions) | 3.2284% | 5,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4359% | 3,542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 62.4584% | 5,278 |
| Net loans and leases to deposits | 78.7586% | 4,740 |
| Net loans and leases to core deposits | 144.5115% | 818 |
| Total domestic deposits to total assets | 79.3036% | 5,718 |
| Equity capital to assets | 16.4864% | 752 |
| Core capital (leverage) ratio | 17.0830% | 607 |
| Tier 1 risk-based capital ratio | 20.8959% | 1,418 |
| Total risk-based capital ratio | 22.0755% | 1,391 |
| Memoranda: | ||
| Average total assets | $69,733,000 | 6,089 |
| Average earning assets | $65,050,330 | 6,047 |
| Average equity | $13,043,330 | 4,526 |
| Average total loans | $43,687,670 | 6,035 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6726% | 3,928 |
| Cost of funding earning assets | 1.5811% | 6,110 |
| Net interest margin | 4.0915% | 2,308 |
| Noninterest income to average assets | 0.4069% | 5,164 |
| Noninterest expense to average assets | 5.2415% | 417 |
| Loan and lease loss provision to assets | 1.8221% | 676 |
| Net operating income to assets | -2.8060% | 7,814 |
| Return on assets (ROA) | -2.8060% | 7,817 |
| Pretax return on assets | -2.8060% | 7,718 |
| Return on Equity (ROE) | -14.0234% | 7,565 |
| Retained earnings to average equity (ytd only) | -14.0234% | 7,382 |
| Net charge-offs to loans | 2.1863% | 658 |
| Credit loss provision to net charge-offs | 133.9286% | 3,019 |
| Earnings coverage of net charge-offs (x) | -0.7232% | 5,311 |
| Efficiency ratio | 123.1098% | 592 |
| Assets per employee ($millions) | 3.5617% | 4,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4409% | 3,286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 60.1089% | 5,632 |
| Net loans and leases to deposits | 77.6251% | 4,985 |
| Net loans and leases to core deposits | 123.3841% | 2,127 |
| Total domestic deposits to total assets | 77.4349% | 6,170 |
| Equity capital to assets | 18.1093% | 596 |
| Core capital (leverage) ratio | 18.5773% | 487 |
| Tier 1 risk-based capital ratio | 22.6159% | 1,228 |
| Total risk-based capital ratio | 23.7493% | 1,218 |
| Memoranda: | ||
| Average total assets | $65,858,500 | 6,256 |
| Average earning assets | $61,982,000 | 6,176 |
| Average equity | $13,178,000 | 4,541 |
| Average total loans | $40,982,000 | 6,196 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1463% | 4,795 |
| Cost of funding earning assets | 1.8111% | 6,971 |
| Net interest margin | 4.3353% | 1,872 |
| Noninterest income to average assets | 0.2206% | 6,863 |
| Noninterest expense to average assets | 6.6857% | 316 |
| Loan and lease loss provision to assets | 0.7911% | 1,884 |
| Net operating income to assets | -3.1378% | 7,856 |
| Return on assets (ROA) | -3.0309% | 7,803 |
| Pretax return on assets | -3.0309% | 7,713 |
| Return on Equity (ROE) | -9.9279% | 7,276 |
| Retained earnings to average equity (ytd only) | -9.9279% | 7,067 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.0832% | 330 |
| Assets per employee ($millions) | 3.0242% | 6,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4278% | 3,042 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 62.7780% | 5,494 |
| Net loans and leases to deposits | 86.7767% | 3,996 |
| Net loans and leases to core deposits | 157.4343% | 632 |
| Total domestic deposits to total assets | 72.3443% | 6,938 |
| Equity capital to assets | 22.2476% | 341 |
| Core capital (leverage) ratio | 22.7895% | 315 |
| Tier 1 risk-based capital ratio | 26.3080% | 876 |
| Total risk-based capital ratio | 27.4317% | 868 |
| Memoranda: | ||
| Average total assets | $44,871,600 | 6,993 |
| Average earning assets | $42,627,200 | 6,918 |
| Average equity | $13,698,800 | 4,400 |
| Average total loans | $29,341,600 | 6,752 |