Home > Foothills Community Bank > Performance and Condition Ratios
Foothills Community Bank, Performance and Condition Ratios
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8195% | 1,198 |
| Cost of funding earning assets | 0.7905% | 1,170 |
| Net interest margin | 4.0290% | 1,765 |
| Noninterest income to average assets | 0.3604% | 3,743 |
| Noninterest expense to average assets | 3.5360% | 950 |
| Loan and lease loss provision to assets | -0.1091% | 5,430 |
| Net operating income to assets | 0.5128% | 4,720 |
| Return on assets (ROA) | -0.7393% | 5,454 |
| Pretax return on assets | -0.7393% | 5,453 |
| Return on Equity (ROE) | -9.4156% | 5,469 |
| Retained earnings to average equity (ytd only) | -9.4156% | 5,408 |
| Net charge-offs to loans | -0.1674% | 5,293 |
| Credit loss provision to net charge-offs | 96.3636% | 2,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7543% | 382 |
| Assets per employee ($millions) | 5.9371% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0454% | 3,557 |
| Loan loss allowance to noncurrent loans | 1,281.0345% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.8540% | 1,748 |
| Noncurrent loans to loans | 0.0816% | 4,543 |
| Net loans and leases to total assets | 69.6803% | 2,629 |
| Net loans and leases to deposits | 75.4498% | 3,398 |
| Net loans and leases to core deposits | 78.0861% | 3,575 |
| Total domestic deposits to total assets | 92.3532% | 59 |
| Equity capital to assets | 7.5358% | 5,369 |
| Core capital (leverage) ratio | 7.9218% | 5,372 |
| Tier 1 risk-based capital ratio | 9.5347% | 5,493 |
| Total risk-based capital ratio | 10.4661% | 5,501 |
| Memoranda: | ||
| Average total assets | $97,114,330 | 4,223 |
| Average earning assets | $86,274,670 | 4,290 |
| Average equity | $7,625,670 | 4,760 |
| Average total loans | $65,716,670 | 4,024 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7488% | 1,191 |
| Cost of funding earning assets | 0.7175% | 1,355 |
| Net interest margin | 4.0313% | 1,619 |
| Noninterest income to average assets | 0.1681% | 5,016 |
| Noninterest expense to average assets | 3.5250% | 958 |
| Loan and lease loss provision to assets | -0.1597% | 5,537 |
| Net operating income to assets | 0.3907% | 4,942 |
| Return on assets (ROA) | 0.3907% | 4,949 |
| Pretax return on assets | 0.3907% | 5,048 |
| Return on Equity (ROE) | 4.8720% | 4,535 |
| Retained earnings to average equity (ytd only) | 4.8720% | 3,236 |
| Net charge-offs to loans | -0.2475% | 5,416 |
| Credit loss provision to net charge-offs | 97.4359% | 1,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8479% | 303 |
| Assets per employee ($millions) | 5.5887% | 1,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 3,024 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8462% | 1,868 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 66.3986% | 2,976 |
| Net loans and leases to deposits | 72.2521% | 3,577 |
| Net loans and leases to core deposits | 74.8469% | 3,754 |
| Total domestic deposits to total assets | 91.8986% | 121 |
| Equity capital to assets | 7.9772% | 5,279 |
| Core capital (leverage) ratio | 8.3391% | 5,238 |
| Tier 1 risk-based capital ratio | 10.6828% | 5,288 |
| Total risk-based capital ratio | 11.6684% | 5,302 |
| Memoranda: | ||
| Average total assets | $95,206,000 | 4,299 |
| Average earning assets | $84,736,500 | 4,364 |
| Average equity | $7,635,500 | 4,806 |
| Average total loans | $63,039,000 | 4,127 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9668% | 687 |
| Cost of funding earning assets | 0.6085% | 1,540 |
| Net interest margin | 4.3584% | 844 |
| Noninterest income to average assets | 0.4034% | 3,620 |
| Noninterest expense to average assets | 3.8791% | 630 |
| Loan and lease loss provision to assets | -0.1698% | 5,558 |
| Net operating income to assets | 0.4570% | 4,503 |
| Return on assets (ROA) | 0.4570% | 4,537 |
| Pretax return on assets | 0.4570% | 5,004 |
| Return on Equity (ROE) | 5.3571% | 4,020 |
| Retained earnings to average equity (ytd only) | 5.3571% | 1,897 |
| Net charge-offs to loans | -0.3461% | 5,579 |
| Credit loss provision to net charge-offs | 78.4211% | 2,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1072% | 317 |
| Assets per employee ($millions) | 5.6120% | 1,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1903% | 2,836 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8427% | 1,849 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 64.4742% | 3,307 |
| Net loans and leases to deposits | 70.2204% | 3,849 |
| Net loans and leases to core deposits | 72.4161% | 4,023 |
| Total domestic deposits to total assets | 91.8169% | 96 |
| Equity capital to assets | 8.0626% | 5,369 |
| Core capital (leverage) ratio | 8.7097% | 4,945 |
| Tier 1 risk-based capital ratio | 10.5607% | 5,345 |
| Total risk-based capital ratio | 11.5472% | 5,369 |
| Memoranda: | ||
| Average total assets | $87,752,000 | 4,462 |
| Average earning assets | $75,762,600 | 4,542 |
| Average equity | $7,485,400 | 4,862 |
| Average total loans | $54,898,000 | 4,333 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0608% | 543 |
| Cost of funding earning assets | 0.5956% | 1,558 |
| Net interest margin | 4.4652% | 647 |
| Noninterest income to average assets | 0.4862% | 3,113 |
| Noninterest expense to average assets | 4.0245% | 502 |
| Loan and lease loss provision to assets | -0.2314% | 5,670 |
| Net operating income to assets | 0.5126% | 4,697 |
| Return on assets (ROA) | 0.5126% | 4,726 |
| Pretax return on assets | 0.5126% | 5,004 |
| Return on Equity (ROE) | 5.9188% | 4,164 |
| Retained earnings to average equity (ytd only) | 5.9188% | 2,299 |
| Net charge-offs to loans | -0.4674% | 5,649 |
| Credit loss provision to net charge-offs | 80.1075% | 2,581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4704% | 302 |
| Assets per employee ($millions) | 4.9849% | 2,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 2,498 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8960% | 1,909 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 63.6784% | 3,454 |
| Net loans and leases to deposits | 69.8893% | 3,971 |
| Net loans and leases to core deposits | 71.8853% | 4,139 |
| Total domestic deposits to total assets | 91.1132% | 159 |
| Equity capital to assets | 8.6360% | 5,201 |
| Core capital (leverage) ratio | 8.8271% | 4,936 |
| Tier 1 risk-based capital ratio | 11.2549% | 5,105 |
| Total risk-based capital ratio | 12.3121% | 5,101 |
| Memoranda: | ||
| Average total assets | $85,839,000 | 4,530 |
| Average earning assets | $73,425,750 | 4,637 |
| Average equity | $7,433,750 | 4,920 |
| Average total loans | $53,059,500 | 4,423 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0491% | 519 |
| Cost of funding earning assets | 0.5768% | 1,600 |
| Net interest margin | 4.4723% | 602 |
| Noninterest income to average assets | 0.3809% | 3,824 |
| Noninterest expense to average assets | 4.0619% | 492 |
| Loan and lease loss provision to assets | -0.3525% | 5,742 |
| Net operating income to assets | 0.4684% | 4,798 |
| Return on assets (ROA) | 0.4684% | 4,823 |
| Pretax return on assets | 0.4684% | 5,056 |
| Return on Equity (ROE) | 5.4034% | 4,312 |
| Retained earnings to average equity (ytd only) | 5.4034% | 2,468 |
| Net charge-offs to loans | -0.6841% | 5,714 |
| Credit loss provision to net charge-offs | 84.6591% | 2,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2254% | 227 |
| Assets per employee ($millions) | 4.8367% | 2,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 2,629 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.0186% | 302 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 65.5621% | 3,172 |
| Net loans and leases to deposits | 72.0431% | 3,734 |
| Net loans and leases to core deposits | 73.6475% | 3,968 |
| Total domestic deposits to total assets | 91.0040% | 225 |
| Equity capital to assets | 8.7307% | 5,119 |
| Core capital (leverage) ratio | 8.9732% | 4,755 |
| Tier 1 risk-based capital ratio | 10.7741% | 5,353 |
| Total risk-based capital ratio | 11.7930% | 5,365 |
| Memoranda: | ||
| Average total assets | $84,542,330 | 4,582 |
| Average earning assets | $71,775,330 | 4,701 |
| Average equity | $7,328,670 | 4,960 |
| Average total loans | $51,454,330 | 4,477 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7446% | 857 |
| Cost of funding earning assets | 0.5642% | 1,625 |
| Net interest margin | 4.1804% | 1,029 |
| Noninterest income to average assets | 0.1153% | 5,529 |
| Noninterest expense to average assets | 4.2169% | 421 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.5427% | 5,744 |
| Return on assets (ROA) | -0.5427% | 5,743 |
| Pretax return on assets | -0.5427% | 5,735 |
| Return on Equity (ROE) | -6.2843% | 5,748 |
| Retained earnings to average equity (ytd only) | -6.2843% | 5,454 |
| Net charge-offs to loans | -0.0497% | 5,183 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.7712% | 88 |
| Assets per employee ($millions) | 4.3999% | 3,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3923% | 2,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.2070% | 292 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 59.8093% | 3,805 |
| Net loans and leases to deposits | 65.5987% | 4,202 |
| Net loans and leases to core deposits | 67.1213% | 4,343 |
| Total domestic deposits to total assets | 91.1745% | 252 |
| Equity capital to assets | 8.5994% | 5,158 |
| Core capital (leverage) ratio | 8.8177% | 4,939 |
| Tier 1 risk-based capital ratio | 11.3867% | 5,096 |
| Total risk-based capital ratio | 12.4772% | 5,084 |
| Memoranda: | ||
| Average total assets | $83,283,000 | 4,652 |
| Average earning assets | $70,901,500 | 4,768 |
| Average equity | $7,192,500 | 5,029 |
| Average total loans | $48,278,000 | 4,614 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9594% | 647 |
| Cost of funding earning assets | 0.6862% | 878 |
| Net interest margin | 4.2732% | 977 |
| Noninterest income to average assets | -1.3834% | 5,912 |
| Noninterest expense to average assets | 5.9819% | 166 |
| Loan and lease loss provision to assets | 0.0873% | 2,619 |
| Net operating income to assets | -3.9010% | 5,903 |
| Return on assets (ROA) | -3.8933% | 5,903 |
| Pretax return on assets | -3.8933% | 5,901 |
| Return on Equity (ROE) | -51.7606% | 5,903 |
| Retained earnings to average equity (ytd only) | -51.7606% | 5,901 |
| Net charge-offs to loans | 0.7205% | 295 |
| Credit loss provision to net charge-offs | 20.8589% | 3,669 |
| Earnings coverage of net charge-offs (x) | -9.1074% | 4,235 |
| Efficiency ratio | 275.8886% | 4 |
| Assets per employee ($millions) | 4.3667% | 3,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5267% | 1,577 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.2314% | 283 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 54.4192% | 4,403 |
| Net loans and leases to deposits | 59.7396% | 4,691 |
| Net loans and leases to core deposits | 61.1416% | 4,797 |
| Total domestic deposits to total assets | 91.0940% | 252 |
| Equity capital to assets | 8.6733% | 5,129 |
| Core capital (leverage) ratio | 9.0058% | 4,738 |
| Tier 1 risk-based capital ratio | 11.8463% | 4,825 |
| Total risk-based capital ratio | 12.9566% | 4,824 |
| Memoranda: | ||
| Average total assets | $77,851,800 | 4,771 |
| Average earning assets | $64,705,600 | 4,927 |
| Average equity | $5,855,800 | 5,300 |
| Average total loans | $45,244,400 | 4,704 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0224% | 575 |
| Cost of funding earning assets | 0.7193% | 744 |
| Net interest margin | 4.3031% | 921 |
| Noninterest income to average assets | 0.1045% | 5,695 |
| Noninterest expense to average assets | 6.3206% | 154 |
| Loan and lease loss provision to assets | 0.0575% | 3,096 |
| Net operating income to assets | -2.7215% | 5,958 |
| Return on assets (ROA) | -2.7111% | 5,959 |
| Pretax return on assets | -2.7111% | 5,958 |
| Return on Equity (ROE) | -37.6027% | 5,963 |
| Retained earnings to average equity (ytd only) | -37.6027% | 5,955 |
| Net charge-offs to loans | 0.9432% | 186 |
| Credit loss provision to net charge-offs | 10.3448% | 3,370 |
| Earnings coverage of net charge-offs (x) | -4.7963% | 3,894 |
| Efficiency ratio | 172.8571% | 23 |
| Assets per employee ($millions) | 4.3246% | 3,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 1,940 |
| Loan loss allowance to noncurrent loans | 988.2353% | 591 |
| Noncurrent assets plus other real estate owned to assets | 4.0186% | 210 |
| Noncurrent loans to loans | 0.1477% | 4,754 |
| Net loans and leases to total assets | 55.2064% | 4,385 |
| Net loans and leases to deposits | 62.0853% | 4,623 |
| Net loans and leases to core deposits | 63.0466% | 4,771 |
| Total domestic deposits to total assets | 88.9203% | 947 |
| Equity capital to assets | 10.9167% | 3,105 |
| Core capital (leverage) ratio | 10.8137% | 2,671 |
| Tier 1 risk-based capital ratio | 14.5811% | 3,244 |
| Total risk-based capital ratio | 15.6735% | 3,253 |
| Memoranda: | ||
| Average total assets | $76,573,000 | 4,834 |
| Average earning assets | $63,208,000 | 4,997 |
| Average equity | $5,520,750 | 5,420 |
| Average total loans | $45,093,000 | 4,749 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1671% | 447 |
| Cost of funding earning assets | 0.7573% | 604 |
| Net interest margin | 4.4098% | 751 |
| Noninterest income to average assets | 0.1312% | 5,662 |
| Noninterest expense to average assets | 4.2352% | 474 |
| Loan and lease loss provision to assets | 0.0268% | 3,594 |
| Net operating income to assets | -0.5140% | 5,928 |
| Return on assets (ROA) | -0.4979% | 5,925 |
| Pretax return on assets | -0.4979% | 5,920 |
| Return on Equity (ROE) | -8.5106% | 5,966 |
| Retained earnings to average equity (ytd only) | -8.5106% | 5,847 |
| Net charge-offs to loans | 1.3712% | 113 |
| Credit loss provision to net charge-offs | 3.2573% | 3,034 |
| Earnings coverage of net charge-offs (x) | -0.5928% | 3,578 |
| Efficiency ratio | 113.0000% | 125 |
| Assets per employee ($millions) | 4.8395% | 2,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 1,995 |
| Loan loss allowance to noncurrent loans | 258.2031% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 6.2148% | 102 |
| Noncurrent loans to loans | 0.5681% | 3,363 |
| Net loans and leases to total assets | 53.9673% | 4,514 |
| Net loans and leases to deposits | 61.7920% | 4,672 |
| Net loans and leases to core deposits | 62.2572% | 4,866 |
| Total domestic deposits to total assets | 87.3371% | 1,744 |
| Equity capital to assets | 12.5486% | 1,741 |
| Core capital (leverage) ratio | 13.4210% | 1,009 |
| Tier 1 risk-based capital ratio | 17.1772% | 2,160 |
| Total risk-based capital ratio | 18.2770% | 2,168 |
| Memoranda: | ||
| Average total assets | $74,708,000 | 4,917 |
| Average earning assets | $61,272,670 | 5,082 |
| Average equity | $4,371,000 | 5,705 |
| Average total loans | $44,779,330 | 4,807 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6540% | 202 |
| Cost of funding earning assets | 0.8387% | 406 |
| Net interest margin | 4.8154% | 351 |
| Noninterest income to average assets | 0.1748% | 5,449 |
| Noninterest expense to average assets | 4.3990% | 422 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.3384% | 5,929 |
| Return on assets (ROA) | -0.3045% | 5,923 |
| Pretax return on assets | -0.3045% | 5,917 |
| Return on Equity (ROE) | -15.4894% | 6,053 |
| Retained earnings to average equity (ytd only) | -15.4894% | 5,914 |
| Net charge-offs to loans | 2.5270% | 52 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -0.2128% | 2,988 |
| Efficiency ratio | 108.3333% | 174 |
| Assets per employee ($millions) | 4.9759% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5488% | 1,792 |
| Loan loss allowance to noncurrent loans | 261.0039% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 7.6037% | 80 |
| Noncurrent loans to loans | 0.5934% | 3,412 |
| Net loans and leases to total assets | 61.6855% | 3,568 |
| Net loans and leases to deposits | 63.0939% | 4,499 |
| Net loans and leases to core deposits | 63.5944% | 4,719 |
| Total domestic deposits to total assets | 97.7678% | 3 |
| Equity capital to assets | 2.0886% | 6,118 |
| Core capital (leverage) ratio | 2.1060% | 6,116 |
| Tier 1 risk-based capital ratio | 2.5213% | 6,121 |
| Total risk-based capital ratio | 3.6737% | 6,121 |
| Memoranda: | ||
| Average total assets | $70,926,000 | 5,050 |
| Average earning assets | $57,233,500 | 5,234 |
| Average equity | $1,394,500 | 6,094 |
| Average total loans | $44,638,500 | 4,845 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8348% | 163 |
| Cost of funding earning assets | 1.0631% | 124 |
| Net interest margin | 4.7717% | 400 |
| Noninterest income to average assets | 0.5542% | 2,993 |
| Noninterest expense to average assets | 4.6492% | 369 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.2436% | 5,979 |
| Return on assets (ROA) | -0.2062% | 5,978 |
| Pretax return on assets | -0.2062% | 5,964 |
| Return on Equity (ROE) | -10.8451% | 6,109 |
| Retained earnings to average equity (ytd only) | -10.8451% | 6,048 |
| Net charge-offs to loans | 0.0315% | 3,592 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -12.1333% | 4,426 |
| Efficiency ratio | 105.5302% | 189 |
| Assets per employee ($millions) | 4.2464% | 3,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0995% | 688 |
| Loan loss allowance to noncurrent loans | 140.4692% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 8.3517% | 72 |
| Noncurrent loans to loans | 1.4947% | 1,551 |
| Net loans and leases to total assets | 61.8806% | 3,578 |
| Net loans and leases to deposits | 64.0142% | 4,468 |
| Net loans and leases to core deposits | 64.5078% | 4,707 |
| Total domestic deposits to total assets | 96.6671% | 6 |
| Equity capital to assets | 1.8479% | 6,181 |
| Core capital (leverage) ratio | 2.2166% | 6,178 |
| Tier 1 risk-based capital ratio | 2.5602% | 6,180 |
| Total risk-based capital ratio | 3.8145% | 6,180 |
| Memoranda: | ||
| Average total assets | $74,700,800 | 4,975 |
| Average earning assets | $60,293,200 | 5,178 |
| Average equity | $1,420,000 | 6,153 |
| Average total loans | $47,672,600 | 4,738 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8685% | 161 |
| Cost of funding earning assets | 1.0983% | 101 |
| Net interest margin | 4.7702% | 399 |
| Noninterest income to average assets | 0.7664% | 1,948 |
| Noninterest expense to average assets | 4.8834% | 304 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.2655% | 6,073 |
| Return on assets (ROA) | -0.2159% | 6,069 |
| Pretax return on assets | -0.2159% | 6,057 |
| Return on Equity (ROE) | -11.2841% | 6,193 |
| Retained earnings to average equity (ytd only) | -11.2841% | 6,144 |
| Net charge-offs to loans | 0.0526% | 2,856 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -7.8958% | 4,138 |
| Efficiency ratio | 105.7493% | 194 |
| Assets per employee ($millions) | 3.9733% | 3,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0916% | 784 |
| Loan loss allowance to noncurrent loans | 153.8710% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 8.4984% | 72 |
| Noncurrent loans to loans | 1.3594% | 1,883 |
| Net loans and leases to total assets | 62.4394% | 3,546 |
| Net loans and leases to deposits | 63.8819% | 4,570 |
| Net loans and leases to core deposits | 64.6205% | 4,784 |
| Total domestic deposits to total assets | 97.7419% | 2 |
| Equity capital to assets | 1.9855% | 6,269 |
| Core capital (leverage) ratio | 2.1824% | 6,265 |
| Tier 1 risk-based capital ratio | 2.5918% | 6,268 |
| Total risk-based capital ratio | 3.8453% | 6,267 |
| Memoranda: | ||
| Average total assets | $75,328,750 | 5,018 |
| Average earning assets | $60,820,500 | 5,223 |
| Average equity | $1,441,500 | 6,237 |
| Average total loans | $48,183,500 | 4,781 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9240% | 142 |
| Cost of funding earning assets | 1.1003% | 96 |
| Net interest margin | 4.8238% | 346 |
| Noninterest income to average assets | 0.5065% | 3,330 |
| Noninterest expense to average assets | 4.6554% | 377 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.2454% | 6,123 |
| Return on assets (ROA) | -0.1775% | 6,115 |
| Pretax return on assets | -0.1775% | 6,099 |
| Return on Equity (ROE) | -9.3879% | 6,252 |
| Retained earnings to average equity (ytd only) | -9.3879% | 6,165 |
| Net charge-offs to loans | 0.0204% | 3,276 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -18.8000% | 3,858 |
| Efficiency ratio | 105.5654% | 225 |
| Assets per employee ($millions) | 3.7125% | 4,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0113% | 969 |
| Loan loss allowance to noncurrent loans | 151.4867% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 8.3098% | 84 |
| Noncurrent loans to loans | 1.3277% | 2,025 |
| Net loans and leases to total assets | 63.5152% | 3,341 |
| Net loans and leases to deposits | 64.7687% | 4,459 |
| Net loans and leases to core deposits | 65.4627% | 4,699 |
| Total domestic deposits to total assets | 98.0646% | 1 |
| Equity capital to assets | 1.7145% | 6,344 |
| Core capital (leverage) ratio | 2.1703% | 6,341 |
| Tier 1 risk-based capital ratio | 2.5090% | 6,345 |
| Total risk-based capital ratio | 3.7620% | 6,344 |
| Memoranda: | ||
| Average total assets | $76,598,670 | 5,043 |
| Average earning assets | $61,984,670 | 5,254 |
| Average equity | $1,448,670 | 6,312 |
| Average total loans | $49,041,330 | 4,783 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8870% | 147 |
| Cost of funding earning assets | 1.0796% | 112 |
| Net interest margin | 4.8074% | 348 |
| Noninterest income to average assets | 0.1229% | 5,987 |
| Noninterest expense to average assets | 4.3262% | 484 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.3277% | 6,195 |
| Return on assets (ROA) | -0.2150% | 6,174 |
| Pretax return on assets | -0.2150% | 6,163 |
| Return on Equity (ROE) | -8.8748% | 6,309 |
| Retained earnings to average equity (ytd only) | -8.8748% | 6,105 |
| Net charge-offs to loans | -0.0242% | 5,136 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.1946% | 211 |
| Assets per employee ($millions) | 4.0621% | 3,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9530% | 1,177 |
| Loan loss allowance to noncurrent loans | 102.6288% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 8.6241% | 86 |
| Noncurrent loans to loans | 1.9030% | 1,418 |
| Net loans and leases to total assets | 63.4862% | 3,166 |
| Net loans and leases to deposits | 65.2645% | 4,235 |
| Net loans and leases to core deposits | 66.1652% | 4,502 |
| Total domestic deposits to total assets | 97.2752% | 2 |
| Equity capital to assets | 2.5668% | 6,408 |
| Core capital (leverage) ratio | 2.6297% | 6,408 |
| Tier 1 risk-based capital ratio | 2.9685% | 6,415 |
| Total risk-based capital ratio | 4.2211% | 6,414 |
| Memoranda: | ||
| Average total assets | $78,129,500 | 5,067 |
| Average earning assets | $62,986,000 | 5,278 |
| Average equity | $1,893,000 | 6,331 |
| Average total loans | $49,498,000 | 4,798 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7241% | 219 |
| Cost of funding earning assets | 1.0797% | 151 |
| Net interest margin | 4.6444% | 574 |
| Noninterest income to average assets | 1.3871% | 635 |
| Noninterest expense to average assets | 4.8806% | 338 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2608% | 5,621 |
| Return on assets (ROA) | 0.2691% | 5,670 |
| Pretax return on assets | 0.2691% | 5,758 |
| Return on Equity (ROE) | 17.2414% | 471 |
| Retained earnings to average equity (ytd only) | 17.2414% | 101 |
| Net charge-offs to loans | 1.0241% | 288 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.4026% | 4,650 |
| Efficiency ratio | 94.9282% | 551 |
| Assets per employee ($millions) | 4.1621% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9848% | 1,136 |
| Loan loss allowance to noncurrent loans | 95.6735% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 8.6507% | 102 |
| Noncurrent loans to loans | 2.0746% | 1,318 |
| Net loans and leases to total assets | 60.7600% | 3,682 |
| Net loans and leases to deposits | 62.2679% | 4,703 |
| Net loans and leases to core deposits | 63.1011% | 4,910 |
| Total domestic deposits to total assets | 97.5784% | 5 |
| Equity capital to assets | 2.2825% | 6,499 |
| Core capital (leverage) ratio | 2.6086% | 6,497 |
| Tier 1 risk-based capital ratio | 3.2247% | 6,504 |
| Total risk-based capital ratio | 4.4783% | 6,504 |
| Memoranda: | ||
| Average total assets | $83,986,400 | 4,960 |
| Average earning assets | $67,888,000 | 5,176 |
| Average equity | $1,310,800 | 6,479 |
| Average total loans | $53,119,600 | 4,720 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8072% | 193 |
| Cost of funding earning assets | 1.0754% | 166 |
| Net interest margin | 4.7318% | 475 |
| Noninterest income to average assets | 1.6069% | 498 |
| Noninterest expense to average assets | 4.8254% | 351 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6024% | 4,438 |
| Return on assets (ROA) | 0.6118% | 4,479 |
| Pretax return on assets | 0.6118% | 4,991 |
| Return on Equity (ROE) | 43.9099% | 22 |
| Retained earnings to average equity (ytd only) | 43.9099% | 11 |
| Net charge-offs to loans | 1.0663% | 277 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.8891% | 4,286 |
| Efficiency ratio | 88.9017% | 930 |
| Assets per employee ($millions) | 4.3044% | 3,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1743% | 979 |
| Loan loss allowance to noncurrent loans | 96.7857% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 8.6656% | 118 |
| Noncurrent loans to loans | 2.2465% | 1,345 |
| Net loans and leases to total assets | 59.6346% | 3,857 |
| Net loans and leases to deposits | 61.0202% | 4,848 |
| Net loans and leases to core deposits | 61.6099% | 5,068 |
| Total domestic deposits to total assets | 97.7294% | 6 |
| Equity capital to assets | 2.0126% | 6,576 |
| Core capital (leverage) ratio | 2.7355% | 6,571 |
| Tier 1 risk-based capital ratio | 3.4179% | 6,577 |
| Total risk-based capital ratio | 4.6730% | 6,577 |
| Memoranda: | ||
| Average total assets | $85,213,000 | 4,990 |
| Average earning assets | $68,810,000 | 5,213 |
| Average equity | $1,187,250 | 6,565 |
| Average total loans | $54,144,000 | 4,723 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6019% | 264 |
| Cost of funding earning assets | 1.0714% | 173 |
| Net interest margin | 4.5306% | 662 |
| Noninterest income to average assets | 2.0427% | 332 |
| Noninterest expense to average assets | 4.7987% | 354 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9264% | 2,673 |
| Return on assets (ROA) | 0.9426% | 2,685 |
| Pretax return on assets | 0.9426% | 3,713 |
| Return on Equity (ROE) | 78.6983% | 8 |
| Retained earnings to average equity (ytd only) | 78.6983% | 3 |
| Net charge-offs to loans | 1.6878% | 147 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.8529% | 3,955 |
| Efficiency ratio | 83.8188% | 1,539 |
| Assets per employee ($millions) | 4.3749% | 3,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9852% | 1,387 |
| Loan loss allowance to noncurrent loans | 37.0187% | 5,591 |
| Noncurrent assets plus other real estate owned to assets | 11.1040% | 78 |
| Noncurrent loans to loans | 5.3628% | 349 |
| Net loans and leases to total assets | 62.2475% | 3,363 |
| Net loans and leases to deposits | 63.5745% | 4,538 |
| Net loans and leases to core deposits | 64.1753% | 4,807 |
| Total domestic deposits to total assets | 97.9127% | 1 |
| Equity capital to assets | 1.9164% | 6,648 |
| Core capital (leverage) ratio | 2.6529% | 6,639 |
| Tier 1 risk-based capital ratio | 3.2586% | 6,647 |
| Total risk-based capital ratio | 4.5121% | 6,647 |
| Memoranda: | ||
| Average total assets | $86,356,330 | 5,014 |
| Average earning assets | $70,190,000 | 5,218 |
| Average equity | $1,034,330 | 6,640 |
| Average total loans | $55,573,670 | 4,702 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4544% | 312 |
| Cost of funding earning assets | 1.0607% | 201 |
| Net interest margin | 4.3937% | 814 |
| Noninterest income to average assets | 2.4735% | 242 |
| Noninterest expense to average assets | 5.0515% | 312 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0003% | 2,210 |
| Return on assets (ROA) | 1.0276% | 2,165 |
| Pretax return on assets | 1.0276% | 3,221 |
| Return on Equity (ROE) | 119.7351% | 6 |
| Retained earnings to average equity (ytd only) | 119.7351% | 3 |
| Net charge-offs to loans | 0.7935% | 438 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.9469% | 2,981 |
| Efficiency ratio | 83.4711% | 1,736 |
| Assets per employee ($millions) | 4.8029% | 2,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5597% | 755 |
| Loan loss allowance to noncurrent loans | 46.4286% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 11.0199% | 93 |
| Noncurrent loans to loans | 5.5132% | 360 |
| Net loans and leases to total assets | 61.8209% | 3,269 |
| Net loans and leases to deposits | 62.6933% | 4,467 |
| Net loans and leases to core deposits | 63.2564% | 4,759 |
| Total domestic deposits to total assets | 98.6085% | 3 |
| Equity capital to assets | 1.2458% | 6,724 |
| Core capital (leverage) ratio | 2.3541% | 6,712 |
| Tier 1 risk-based capital ratio | 2.9151% | 6,717 |
| Total risk-based capital ratio | 4.1740% | 6,717 |
| Memoranda: | ||
| Average total assets | $87,973,000 | 5,021 |
| Average earning assets | $71,648,000 | 5,240 |
| Average equity | $755,000 | 6,717 |
| Average total loans | $56,965,500 | 4,686 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5153% | 355 |
| Cost of funding earning assets | 1.1797% | 196 |
| Net interest margin | 4.3356% | 1,022 |
| Noninterest income to average assets | 0.3394% | 4,892 |
| Noninterest expense to average assets | 4.2926% | 638 |
| Loan and lease loss provision to assets | 0.6473% | 371 |
| Net operating income to assets | -1.1894% | 6,631 |
| Return on assets (ROA) | -0.8262% | 6,573 |
| Pretax return on assets | -0.8262% | 6,561 |
| Return on Equity (ROE) | -42.0251% | 6,764 |
| Retained earnings to average equity (ytd only) | -42.0251% | 6,761 |
| Net charge-offs to loans | 3.3116% | 66 |
| Credit loss provision to net charge-offs | 31.6879% | 4,219 |
| Earnings coverage of net charge-offs (x) | -0.2654% | 5,163 |
| Efficiency ratio | 114.4550% | 222 |
| Assets per employee ($millions) | 4.9718% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5677% | 756 |
| Loan loss allowance to noncurrent loans | 57.7685% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 11.5383% | 92 |
| Noncurrent loans to loans | 4.4447% | 604 |
| Net loans and leases to total assets | 64.3223% | 2,988 |
| Net loans and leases to deposits | 66.2104% | 4,275 |
| Net loans and leases to core deposits | 66.4060% | 4,665 |
| Total domestic deposits to total assets | 97.1484% | 16 |
| Equity capital to assets | 0.4838% | 6,808 |
| Core capital (leverage) ratio | 1.9156% | 6,802 |
| Tier 1 risk-based capital ratio | 2.4698% | 6,804 |
| Total risk-based capital ratio | 3.7285% | 6,803 |
| Memoranda: | ||
| Average total assets | $92,227,600 | 4,927 |
| Average earning assets | $72,562,200 | 5,237 |
| Average equity | $1,813,200 | 6,715 |
| Average total loans | $56,890,800 | 4,715 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4461% | 406 |
| Cost of funding earning assets | 1.2090% | 191 |
| Net interest margin | 4.2371% | 1,229 |
| Noninterest income to average assets | 0.4492% | 4,163 |
| Noninterest expense to average assets | 4.2118% | 678 |
| Loan and lease loss provision to assets | 0.3157% | 1,073 |
| Net operating income to assets | -0.7692% | 6,664 |
| Return on assets (ROA) | -0.4348% | 6,587 |
| Pretax return on assets | -0.4348% | 6,569 |
| Return on Equity (ROE) | -18.7184% | 6,764 |
| Retained earnings to average equity (ytd only) | -18.7184% | 6,746 |
| Net charge-offs to loans | 4.4157% | 28 |
| Credit loss provision to net charge-offs | 11.7899% | 4,198 |
| Earnings coverage of net charge-offs (x) | -0.1693% | 4,908 |
| Efficiency ratio | 112.0657% | 236 |
| Assets per employee ($millions) | 5.3403% | 1,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0951% | 1,512 |
| Loan loss allowance to noncurrent loans | 47.3039% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 12.6345% | 74 |
| Noncurrent loans to loans | 4.4290% | 748 |
| Net loans and leases to total assets | 56.2949% | 4,278 |
| Net loans and leases to deposits | 59.7740% | 4,998 |
| Net loans and leases to core deposits | 59.9428% | 5,307 |
| Total domestic deposits to total assets | 94.1795% | 63 |
| Equity capital to assets | 1.3919% | 6,883 |
| Core capital (leverage) ratio | 2.4272% | 6,871 |
| Tier 1 risk-based capital ratio | 3.0515% | 6,881 |
| Total risk-based capital ratio | 4.3043% | 6,882 |
| Memoranda: | ||
| Average total assets | $92,911,250 | 4,953 |
| Average earning assets | $72,563,250 | 5,287 |
| Average equity | $2,158,250 | 6,749 |
| Average total loans | $56,343,250 | 4,779 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5204% | 356 |
| Cost of funding earning assets | 1.2746% | 161 |
| Net interest margin | 4.2458% | 1,149 |
| Noninterest income to average assets | 0.2787% | 5,460 |
| Noninterest expense to average assets | 4.6668% | 457 |
| Loan and lease loss provision to assets | 0.4355% | 674 |
| Net operating income to assets | -1.5375% | 6,816 |
| Return on assets (ROA) | -1.0301% | 6,761 |
| Pretax return on assets | -1.0301% | 6,740 |
| Return on Equity (ROE) | -38.9033% | 6,886 |
| Retained earnings to average equity (ytd only) | -38.9033% | 6,878 |
| Net charge-offs to loans | 6.8007% | 18 |
| Credit loss provision to net charge-offs | 10.3734% | 3,894 |
| Earnings coverage of net charge-offs (x) | -0.2624% | 4,630 |
| Efficiency ratio | 130.9102% | 122 |
| Assets per employee ($millions) | 4.9814% | 2,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9504% | 1,963 |
| Loan loss allowance to noncurrent loans | 52.3092% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 13.7800% | 73 |
| Noncurrent loans to loans | 3.7286% | 1,095 |
| Net loans and leases to total assets | 60.3261% | 3,604 |
| Net loans and leases to deposits | 62.9768% | 4,627 |
| Net loans and leases to core deposits | 63.1628% | 4,980 |
| Total domestic deposits to total assets | 95.7910% | 30 |
| Equity capital to assets | 1.4900% | 6,930 |
| Core capital (leverage) ratio | 2.3690% | 6,924 |
| Tier 1 risk-based capital ratio | 2.8667% | 6,931 |
| Total risk-based capital ratio | 4.1190% | 6,931 |
| Memoranda: | ||
| Average total assets | $91,839,670 | 5,014 |
| Average earning assets | $71,081,670 | 5,363 |
| Average equity | $2,431,670 | 6,764 |
| Average total loans | $56,700,330 | 4,797 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3934% | 433 |
| Cost of funding earning assets | 1.2857% | 169 |
| Net interest margin | 4.1077% | 1,435 |
| Noninterest income to average assets | 0.4864% | 3,872 |
| Noninterest expense to average assets | 4.2916% | 633 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.6285% | 6,720 |
| Return on assets (ROA) | 0.3745% | 5,373 |
| Pretax return on assets | 0.3745% | 5,633 |
| Return on Equity (ROE) | 11.6798% | 1,507 |
| Retained earnings to average equity (ytd only) | 11.6798% | 754 |
| Net charge-offs to loans | 10.3991% | 11 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.0977% | 3,851 |
| Efficiency ratio | 117.1563% | 239 |
| Assets per employee ($millions) | 5.1981% | 1,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3385% | 1,354 |
| Loan loss allowance to noncurrent loans | 36.3788% | 5,762 |
| Noncurrent assets plus other real estate owned to assets | 15.9802% | 63 |
| Noncurrent loans to loans | 6.4281% | 503 |
| Net loans and leases to total assets | 58.4721% | 3,711 |
| Net loans and leases to deposits | 63.9494% | 4,326 |
| Net loans and leases to core deposits | 64.1383% | 4,728 |
| Total domestic deposits to total assets | 91.4349% | 374 |
| Equity capital to assets | 3.0727% | 6,977 |
| Core capital (leverage) ratio | 2.9375% | 6,972 |
| Tier 1 risk-based capital ratio | 3.5464% | 6,985 |
| Total risk-based capital ratio | 4.8020% | 6,985 |
| Memoranda: | ||
| Average total assets | $92,926,500 | 5,028 |
| Average earning assets | $71,865,500 | 5,387 |
| Average equity | $2,979,500 | 6,728 |
| Average total loans | $57,466,500 | 4,797 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6659% | 454 |
| Cost of funding earning assets | 1.6223% | 98 |
| Net interest margin | 4.0436% | 2,224 |
| Noninterest income to average assets | 1.1303% | 1,221 |
| Noninterest expense to average assets | 3.6253% | 1,552 |
| Loan and lease loss provision to assets | 0.7964% | 611 |
| Net operating income to assets | -0.1402% | 6,327 |
| Return on assets (ROA) | 0.4092% | 5,317 |
| Pretax return on assets | 0.4092% | 5,550 |
| Return on Equity (ROE) | 13.4967% | 1,105 |
| Retained earnings to average equity (ytd only) | 13.4967% | 225 |
| Net charge-offs to loans | 1.2136% | 831 |
| Credit loss provision to net charge-offs | 102.1477% | 2,953 |
| Earnings coverage of net charge-offs (x) | 0.8416% | 5,057 |
| Efficiency ratio | 84.6737% | 1,551 |
| Assets per employee ($millions) | 5.4286% | 1,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7596% | 154 |
| Loan loss allowance to noncurrent loans | 49.0725% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 18.5010% | 37 |
| Noncurrent loans to loans | 9.6990% | 250 |
| Net loans and leases to total assets | 60.7984% | 3,455 |
| Net loans and leases to deposits | 66.7448% | 4,172 |
| Net loans and leases to core deposits | 66.9519% | 4,646 |
| Total domestic deposits to total assets | 91.0908% | 467 |
| Equity capital to assets | 3.3417% | 7,027 |
| Core capital (leverage) ratio | 2.8499% | 7,033 |
| Tier 1 risk-based capital ratio | 3.4076% | 7,048 |
| Total risk-based capital ratio | 4.6868% | 7,048 |
| Memoranda: | ||
| Average total assets | $95,549,800 | 4,950 |
| Average earning assets | $74,463,200 | 5,299 |
| Average equity | $2,897,000 | 6,806 |
| Average total loans | $61,388,600 | 4,658 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6793% | 480 |
| Cost of funding earning assets | 1.7160% | 81 |
| Net interest margin | 3.9633% | 2,655 |
| Noninterest income to average assets | 1.0695% | 1,319 |
| Noninterest expense to average assets | 3.5793% | 1,594 |
| Loan and lease loss provision to assets | 0.1384% | 3,814 |
| Net operating income to assets | 0.4483% | 5,044 |
| Return on assets (ROA) | 0.9602% | 2,917 |
| Pretax return on assets | 0.9602% | 3,873 |
| Return on Equity (ROE) | 32.4642% | 52 |
| Retained earnings to average equity (ytd only) | 32.4642% | 26 |
| Net charge-offs to loans | 1.8793% | 406 |
| Credit loss provision to net charge-offs | 11.4416% | 5,060 |
| Earnings coverage of net charge-offs (x) | 0.4851% | 5,076 |
| Efficiency ratio | 85.9183% | 1,386 |
| Assets per employee ($millions) | 5.1833% | 1,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4444% | 490 |
| Loan loss allowance to noncurrent loans | 36.2100% | 5,838 |
| Noncurrent assets plus other real estate owned to assets | 18.2186% | 56 |
| Noncurrent loans to loans | 9.5122% | 276 |
| Net loans and leases to total assets | 60.5123% | 3,670 |
| Net loans and leases to deposits | 66.6313% | 4,386 |
| Net loans and leases to core deposits | 66.8348% | 4,863 |
| Total domestic deposits to total assets | 90.8167% | 461 |
| Equity capital to assets | 3.7085% | 7,111 |
| Core capital (leverage) ratio | 3.1149% | 7,126 |
| Tier 1 risk-based capital ratio | 3.6827% | 7,144 |
| Total risk-based capital ratio | 4.9483% | 7,144 |
| Memoranda: | ||
| Average total assets | $96,365,500 | 4,978 |
| Average earning assets | $75,289,500 | 5,316 |
| Average equity | $2,850,250 | 6,903 |
| Average total loans | $62,007,500 | 4,682 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6904% | 491 |
| Cost of funding earning assets | 1.7773% | 75 |
| Net interest margin | 3.9131% | 2,853 |
| Noninterest income to average assets | 0.8851% | 1,841 |
| Noninterest expense to average assets | 3.6493% | 1,470 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3060% | 5,595 |
| Return on assets (ROA) | 0.7106% | 4,077 |
| Pretax return on assets | 0.7106% | 4,803 |
| Return on Equity (ROE) | 26.1428% | 131 |
| Retained earnings to average equity (ytd only) | 26.1428% | 53 |
| Net charge-offs to loans | 1.1300% | 956 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.4174% | 4,869 |
| Efficiency ratio | 92.2638% | 916 |
| Assets per employee ($millions) | 5.2664% | 1,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0021% | 346 |
| Loan loss allowance to noncurrent loans | 36.1756% | 5,864 |
| Noncurrent assets plus other real estate owned to assets | 19.4662% | 45 |
| Noncurrent loans to loans | 11.0630% | 213 |
| Net loans and leases to total assets | 61.5138% | 3,532 |
| Net loans and leases to deposits | 66.5206% | 4,440 |
| Net loans and leases to core deposits | 68.8031% | 4,697 |
| Total domestic deposits to total assets | 92.4732% | 163 |
| Equity capital to assets | 3.1753% | 7,177 |
| Core capital (leverage) ratio | 2.6860% | 7,192 |
| Tier 1 risk-based capital ratio | 3.1283% | 7,210 |
| Total risk-based capital ratio | 4.3996% | 7,210 |
| Memoranda: | ||
| Average total assets | $97,387,330 | 4,970 |
| Average earning assets | $76,409,330 | 5,315 |
| Average equity | $2,647,000 | 6,979 |
| Average total loans | $63,186,000 | 4,664 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5656% | 675 |
| Cost of funding earning assets | 1.8041% | 85 |
| Net interest margin | 3.7615% | 3,556 |
| Noninterest income to average assets | 0.3810% | 4,816 |
| Noninterest expense to average assets | 3.7939% | 1,220 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.4297% | 6,788 |
| Return on assets (ROA) | 0.3486% | 5,657 |
| Pretax return on assets | 0.3486% | 5,860 |
| Return on Equity (ROE) | 13.9525% | 1,191 |
| Retained earnings to average equity (ytd only) | 13.9525% | 569 |
| Net charge-offs to loans | -0.1553% | 6,927 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.7711% | 306 |
| Assets per employee ($millions) | 5.0479% | 2,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3681% | 273 |
| Loan loss allowance to noncurrent loans | 35.5536% | 5,875 |
| Noncurrent assets plus other real estate owned to assets | 19.8905% | 48 |
| Noncurrent loans to loans | 12.2861% | 191 |
| Net loans and leases to total assets | 64.2112% | 2,813 |
| Net loans and leases to deposits | 68.9866% | 3,879 |
| Net loans and leases to core deposits | 71.5165% | 4,222 |
| Total domestic deposits to total assets | 93.0779% | 138 |
| Equity capital to assets | 2.6191% | 7,251 |
| Core capital (leverage) ratio | 2.3641% | 7,262 |
| Tier 1 risk-based capital ratio | 2.7286% | 7,282 |
| Total risk-based capital ratio | 4.0043% | 7,283 |
| Memoranda: | ||
| Average total assets | $98,683,500 | 4,961 |
| Average earning assets | $78,266,500 | 5,295 |
| Average equity | $2,465,500 | 7,073 |
| Average total loans | $64,407,500 | 4,649 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4466% | 1,311 |
| Cost of funding earning assets | 1.9446% | 120 |
| Net interest margin | 3.5020% | 5,140 |
| Noninterest income to average assets | 0.3169% | 5,271 |
| Noninterest expense to average assets | 3.5424% | 1,880 |
| Loan and lease loss provision to assets | 1.7310% | 388 |
| Net operating income to assets | -2.0578% | 7,037 |
| Return on assets (ROA) | -1.7033% | 6,980 |
| Pretax return on assets | -1.7033% | 6,946 |
| Return on Equity (ROE) | -49.6797% | 7,201 |
| Retained earnings to average equity (ytd only) | -49.6797% | 7,198 |
| Net charge-offs to loans | 1.9529% | 718 |
| Credit loss provision to net charge-offs | 145.3523% | 1,977 |
| Earnings coverage of net charge-offs (x) | -0.2744% | 5,995 |
| Efficiency ratio | 110.1610% | 437 |
| Assets per employee ($millions) | 5.0729% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3281% | 289 |
| Loan loss allowance to noncurrent loans | 39.3507% | 5,643 |
| Noncurrent assets plus other real estate owned to assets | 17.6696% | 79 |
| Noncurrent loans to loans | 10.9986% | 265 |
| Net loans and leases to total assets | 60.7440% | 3,842 |
| Net loans and leases to deposits | 65.6606% | 4,784 |
| Net loans and leases to core deposits | 68.9285% | 4,912 |
| Total domestic deposits to total assets | 92.5121% | 180 |
| Equity capital to assets | 2.3843% | 7,302 |
| Core capital (leverage) ratio | 2.1421% | 7,314 |
| Tier 1 risk-based capital ratio | 2.6290% | 7,329 |
| Total risk-based capital ratio | 3.9036% | 7,329 |
| Memoranda: | ||
| Average total assets | $112,015,000 | 4,592 |
| Average earning assets | $92,718,800 | 4,840 |
| Average equity | $3,840,600 | 6,794 |
| Average total loans | $68,310,200 | 4,549 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4239% | 1,447 |
| Cost of funding earning assets | 1.9753% | 131 |
| Net interest margin | 3.4487% | 5,399 |
| Noninterest income to average assets | 0.4698% | 4,132 |
| Noninterest expense to average assets | 3.4561% | 2,058 |
| Loan and lease loss provision to assets | 0.1744% | 4,290 |
| Net operating income to assets | -0.2837% | 6,467 |
| Return on assets (ROA) | 0.0093% | 6,241 |
| Pretax return on assets | 0.0093% | 6,217 |
| Return on Equity (ROE) | 0.2543% | 6,207 |
| Retained earnings to average equity (ytd only) | 0.2543% | 5,878 |
| Net charge-offs to loans | 1.4760% | 989 |
| Credit loss provision to net charge-offs | 19.5567% | 5,566 |
| Earnings coverage of net charge-offs (x) | -0.1226% | 5,678 |
| Efficiency ratio | 103.2662% | 575 |
| Assets per employee ($millions) | 5.3581% | 1,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2356% | 1,800 |
| Loan loss allowance to noncurrent loans | 15.5403% | 6,803 |
| Noncurrent assets plus other real estate owned to assets | 16.4088% | 99 |
| Noncurrent loans to loans | 14.3858% | 152 |
| Net loans and leases to total assets | 63.9051% | 3,331 |
| Net loans and leases to deposits | 71.0918% | 4,127 |
| Net loans and leases to core deposits | 74.5366% | 4,375 |
| Total domestic deposits to total assets | 89.8910% | 929 |
| Equity capital to assets | 4.3075% | 7,296 |
| Core capital (leverage) ratio | 3.7490% | 7,316 |
| Tier 1 risk-based capital ratio | 4.5829% | 7,341 |
| Total risk-based capital ratio | 5.8387% | 7,345 |
| Memoranda: | ||
| Average total assets | $114,654,500 | 4,564 |
| Average earning assets | $95,648,000 | 4,792 |
| Average equity | $4,196,000 | 6,746 |
| Average total loans | $69,283,500 | 4,561 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3221% | 1,812 |
| Cost of funding earning assets | 2.0378% | 127 |
| Net interest margin | 3.2843% | 5,906 |
| Noninterest income to average assets | 0.3210% | 5,330 |
| Noninterest expense to average assets | 3.4195% | 2,208 |
| Loan and lease loss provision to assets | 0.0854% | 5,240 |
| Net operating income to assets | -0.4490% | 6,651 |
| Return on assets (ROA) | -0.0341% | 6,334 |
| Pretax return on assets | -0.0341% | 6,295 |
| Return on Equity (ROE) | -0.9862% | 6,400 |
| Retained earnings to average equity (ytd only) | -0.9862% | 6,049 |
| Net charge-offs to loans | 2.2483% | 572 |
| Credit loss provision to net charge-offs | 6.4433% | 5,279 |
| Earnings coverage of net charge-offs (x) | -0.2745% | 5,439 |
| Efficiency ratio | 111.8994% | 447 |
| Assets per employee ($millions) | 5.4189% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1427% | 2,024 |
| Loan loss allowance to noncurrent loans | 15.0594% | 6,863 |
| Noncurrent assets plus other real estate owned to assets | 17.4565% | 95 |
| Noncurrent loans to loans | 14.2282% | 154 |
| Net loans and leases to total assets | 58.4743% | 4,550 |
| Net loans and leases to deposits | 65.7985% | 5,028 |
| Net loans and leases to core deposits | 71.2372% | 4,923 |
| Total domestic deposits to total assets | 88.8688% | 1,620 |
| Equity capital to assets | 3.8525% | 7,401 |
| Core capital (leverage) ratio | 3.5250% | 7,403 |
| Tier 1 risk-based capital ratio | 4.4795% | 7,420 |
| Total risk-based capital ratio | 5.7333% | 7,419 |
| Memoranda: | ||
| Average total assets | $117,152,000 | 4,533 |
| Average earning assets | $97,555,000 | 4,770 |
| Average equity | $4,056,000 | 6,834 |
| Average total loans | $69,028,670 | 4,613 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3996% | 1,555 |
| Cost of funding earning assets | 2.0898% | 129 |
| Net interest margin | 3.3098% | 5,739 |
| Noninterest income to average assets | 0.1414% | 6,707 |
| Noninterest expense to average assets | 3.3291% | 2,468 |
| Loan and lease loss provision to assets | 0.1683% | 3,943 |
| Net operating income to assets | -0.5891% | 6,860 |
| Return on assets (ROA) | -0.1111% | 6,489 |
| Pretax return on assets | -0.1111% | 6,461 |
| Return on Equity (ROE) | -3.3916% | 6,699 |
| Retained earnings to average equity (ytd only) | -3.3916% | 6,347 |
| Net charge-offs to loans | 3.8422% | 241 |
| Credit loss provision to net charge-offs | 7.4850% | 4,409 |
| Earnings coverage of net charge-offs (x) | -0.1871% | 4,691 |
| Efficiency ratio | 114.4676% | 420 |
| Assets per employee ($millions) | 5.6881% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2503% | 1,858 |
| Loan loss allowance to noncurrent loans | 20.2432% | 6,767 |
| Noncurrent assets plus other real estate owned to assets | 13.9547% | 181 |
| Noncurrent loans to loans | 11.1165% | 334 |
| Net loans and leases to total assets | 56.9104% | 4,819 |
| Net loans and leases to deposits | 63.2743% | 5,352 |
| Net loans and leases to core deposits | 68.0018% | 5,287 |
| Total domestic deposits to total assets | 89.9423% | 1,179 |
| Equity capital to assets | 3.1862% | 7,480 |
| Core capital (leverage) ratio | 3.4293% | 7,466 |
| Tier 1 risk-based capital ratio | 4.3774% | 7,480 |
| Total risk-based capital ratio | 5.6321% | 7,480 |
| Memoranda: | ||
| Average total assets | $118,829,500 | 4,519 |
| Average earning assets | $99,340,500 | 4,758 |
| Average equity | $3,892,000 | 6,912 |
| Average total loans | $69,543,500 | 4,635 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4623% | 2,426 |
| Cost of funding earning assets | 2.1715% | 337 |
| Net interest margin | 3.2909% | 6,010 |
| Noninterest income to average assets | -0.6943% | 7,590 |
| Noninterest expense to average assets | 3.3375% | 2,616 |
| Loan and lease loss provision to assets | 1.8499% | 740 |
| Net operating income to assets | -3.1043% | 7,315 |
| Return on assets (ROA) | -2.9193% | 7,299 |
| Pretax return on assets | -2.9193% | 7,276 |
| Return on Equity (ROE) | -51.8918% | 7,432 |
| Retained earnings to average equity (ytd only) | -51.8918% | 7,429 |
| Net charge-offs to loans | 2.1539% | 910 |
| Credit loss provision to net charge-offs | 141.4474% | 2,655 |
| Earnings coverage of net charge-offs (x) | -0.9592% | 6,593 |
| Efficiency ratio | 160.2230% | 162 |
| Assets per employee ($millions) | 5.6290% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1391% | 774 |
| Loan loss allowance to noncurrent loans | 25.2926% | 6,581 |
| Noncurrent assets plus other real estate owned to assets | 14.7435% | 175 |
| Noncurrent loans to loans | 12.4112% | 263 |
| Net loans and leases to total assets | 56.9835% | 5,190 |
| Net loans and leases to deposits | 63.5157% | 5,679 |
| Net loans and leases to core deposits | 69.2296% | 5,520 |
| Total domestic deposits to total assets | 89.7156% | 1,260 |
| Equity capital to assets | 3.3653% | 7,541 |
| Core capital (leverage) ratio | 3.5174% | 7,526 |
| Tier 1 risk-based capital ratio | 4.4856% | 7,542 |
| Total risk-based capital ratio | 5.7494% | 7,547 |
| Memoranda: | ||
| Average total assets | $116,224,800 | 4,570 |
| Average earning assets | $98,090,000 | 4,770 |
| Average equity | $6,538,600 | 6,188 |
| Average total loans | $70,570,400 | 4,664 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5881% | 2,106 |
| Cost of funding earning assets | 2.1814% | 400 |
| Net interest margin | 3.4067% | 5,653 |
| Noninterest income to average assets | -0.7466% | 7,710 |
| Noninterest expense to average assets | 3.2339% | 2,801 |
| Loan and lease loss provision to assets | 1.0507% | 1,403 |
| Net operating income to assets | -2.1452% | 7,276 |
| Return on assets (ROA) | -1.8975% | 7,225 |
| Pretax return on assets | -1.8975% | 7,169 |
| Return on Equity (ROE) | -30.5896% | 7,396 |
| Retained earnings to average equity (ytd only) | -30.5896% | 7,388 |
| Net charge-offs to loans | 2.2081% | 813 |
| Credit loss provision to net charge-offs | 77.7494% | 5,204 |
| Earnings coverage of net charge-offs (x) | -0.8099% | 6,417 |
| Efficiency ratio | 151.1578% | 204 |
| Assets per employee ($millions) | 5.8870% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8444% | 2,649 |
| Loan loss allowance to noncurrent loans | 20.8085% | 6,867 |
| Noncurrent assets plus other real estate owned to assets | 13.3082% | 213 |
| Noncurrent loans to loans | 8.8635% | 550 |
| Net loans and leases to total assets | 58.3995% | 5,201 |
| Net loans and leases to deposits | 66.7084% | 5,581 |
| Net loans and leases to core deposits | 72.7055% | 5,436 |
| Total domestic deposits to total assets | 87.5445% | 2,236 |
| Equity capital to assets | 5.4612% | 7,536 |
| Core capital (leverage) ratio | 5.2005% | 7,531 |
| Tier 1 risk-based capital ratio | 6.4492% | 7,585 |
| Total risk-based capital ratio | 7.7014% | 7,588 |
| Memoranda: | ||
| Average total assets | $115,729,000 | 4,642 |
| Average earning assets | $98,039,250 | 4,836 |
| Average equity | $7,178,750 | 6,048 |
| Average total loans | $70,827,500 | 4,722 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6323% | 2,015 |
| Cost of funding earning assets | 2.1982% | 470 |
| Net interest margin | 3.4341% | 5,500 |
| Noninterest income to average assets | -0.8430% | 7,783 |
| Noninterest expense to average assets | 3.3809% | 2,316 |
| Loan and lease loss provision to assets | 0.3998% | 3,324 |
| Net operating income to assets | -1.7017% | 7,218 |
| Return on assets (ROA) | -1.3280% | 7,099 |
| Pretax return on assets | -1.3280% | 7,021 |
| Return on Equity (ROE) | -20.5699% | 7,285 |
| Retained earnings to average equity (ytd only) | -20.5699% | 7,266 |
| Net charge-offs to loans | 1.4743% | 1,295 |
| Credit loss provision to net charge-offs | 43.8931% | 5,542 |
| Earnings coverage of net charge-offs (x) | -1.4294% | 6,170 |
| Efficiency ratio | 162.6254% | 170 |
| Assets per employee ($millions) | 5.6087% | 1,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8426% | 2,594 |
| Loan loss allowance to noncurrent loans | 24.0267% | 6,735 |
| Noncurrent assets plus other real estate owned to assets | 12.0402% | 268 |
| Noncurrent loans to loans | 7.6688% | 694 |
| Net loans and leases to total assets | 59.7910% | 5,104 |
| Net loans and leases to deposits | 69.3259% | 5,374 |
| Net loans and leases to core deposits | 76.0052% | 5,194 |
| Total domestic deposits to total assets | 86.2464% | 2,947 |
| Equity capital to assets | 6.4177% | 7,476 |
| Core capital (leverage) ratio | 5.9260% | 7,491 |
| Tier 1 risk-based capital ratio | 7.6017% | 7,552 |
| Total risk-based capital ratio | 8.8539% | 7,558 |
| Memoranda: | ||
| Average total assets | $115,059,000 | 4,678 |
| Average earning assets | $97,899,670 | 4,875 |
| Average equity | $7,428,330 | 5,989 |
| Average total loans | $71,086,330 | 4,753 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5554% | 2,344 |
| Cost of funding earning assets | 2.2014% | 589 |
| Net interest margin | 3.3541% | 5,770 |
| Noninterest income to average assets | 0.3365% | 5,451 |
| Noninterest expense to average assets | 3.2892% | 2,561 |
| Loan and lease loss provision to assets | 0.1030% | 5,595 |
| Net operating income to assets | -0.1785% | 6,519 |
| Return on assets (ROA) | 0.0378% | 6,310 |
| Pretax return on assets | 0.0378% | 6,287 |
| Return on Equity (ROE) | 0.5833% | 6,243 |
| Retained earnings to average equity (ytd only) | 0.5833% | 5,594 |
| Net charge-offs to loans | 2.0258% | 844 |
| Credit loss provision to net charge-offs | 8.1744% | 5,067 |
| Earnings coverage of net charge-offs (x) | -0.0599% | 5,072 |
| Efficiency ratio | 102.3504% | 776 |
| Assets per employee ($millions) | 5.7977% | 1,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7638% | 2,849 |
| Loan loss allowance to noncurrent loans | 20.8935% | 6,962 |
| Noncurrent assets plus other real estate owned to assets | 12.1601% | 251 |
| Noncurrent loans to loans | 8.4419% | 620 |
| Net loans and leases to total assets | 58.4081% | 5,366 |
| Net loans and leases to deposits | 68.0137% | 5,587 |
| Net loans and leases to core deposits | 74.3629% | 5,462 |
| Total domestic deposits to total assets | 85.8770% | 3,220 |
| Equity capital to assets | 6.6130% | 7,502 |
| Core capital (leverage) ratio | 6.5090% | 7,465 |
| Tier 1 risk-based capital ratio | 8.2335% | 7,591 |
| Total risk-based capital ratio | 9.4845% | 7,598 |
| Memoranda: | ||
| Average total assets | $116,501,500 | 4,709 |
| Average earning assets | $99,938,000 | 4,879 |
| Average equity | $7,543,000 | 5,998 |
| Average total loans | $72,465,000 | 4,768 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5929% | 3,642 |
| Cost of funding earning assets | 2.8912% | 318 |
| Net interest margin | 2.7017% | 7,209 |
| Noninterest income to average assets | -0.3821% | 7,914 |
| Noninterest expense to average assets | 3.4182% | 2,617 |
| Loan and lease loss provision to assets | 2.0717% | 1,026 |
| Net operating income to assets | -3.4693% | 7,502 |
| Return on assets (ROA) | -3.3326% | 7,465 |
| Pretax return on assets | -3.3326% | 7,379 |
| Return on Equity (ROE) | -40.6487% | 7,581 |
| Retained earnings to average equity (ytd only) | -40.6487% | 7,561 |
| Net charge-offs to loans | 4.8625% | 282 |
| Credit loss provision to net charge-offs | 62.5633% | 6,603 |
| Earnings coverage of net charge-offs (x) | -0.4221% | 6,648 |
| Efficiency ratio | 169.1703% | 225 |
| Assets per employee ($millions) | 6.1605% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0437% | 1,928 |
| Loan loss allowance to noncurrent loans | 11.8279% | 7,335 |
| Noncurrent assets plus other real estate owned to assets | 13.7710% | 178 |
| Noncurrent loans to loans | 17.2790% | 108 |
| Net loans and leases to total assets | 63.5925% | 4,681 |
| Net loans and leases to deposits | 73.7331% | 5,092 |
| Net loans and leases to core deposits | 93.1579% | 4,762 |
| Total domestic deposits to total assets | 86.2469% | 2,891 |
| Equity capital to assets | 6.3375% | 7,604 |
| Core capital (leverage) ratio | 6.5188% | 7,485 |
| Tier 1 risk-based capital ratio | 7.8938% | 7,671 |
| Total risk-based capital ratio | 9.1483% | 7,676 |
| Memoranda: | ||
| Average total assets | $113,335,400 | 4,748 |
| Average earning assets | $100,787,800 | 4,821 |
| Average equity | $9,291,800 | 5,511 |
| Average total loans | $77,183,000 | 4,615 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6978% | 3,347 |
| Cost of funding earning assets | 3.1208% | 231 |
| Net interest margin | 2.5770% | 7,378 |
| Noninterest income to average assets | 0.3879% | 5,407 |
| Noninterest expense to average assets | 3.4196% | 2,513 |
| Loan and lease loss provision to assets | 2.7851% | 558 |
| Net operating income to assets | -3.5181% | 7,691 |
| Return on assets (ROA) | -3.3556% | 7,668 |
| Pretax return on assets | -3.3556% | 7,582 |
| Return on Equity (ROE) | -38.6456% | 7,741 |
| Retained earnings to average equity (ytd only) | -38.6456% | 7,732 |
| Net charge-offs to loans | 1.2372% | 1,651 |
| Credit loss provision to net charge-offs | 326.5647% | 1,261 |
| Earnings coverage of net charge-offs (x) | -0.8595% | 6,604 |
| Efficiency ratio | 127.2848% | 501 |
| Assets per employee ($millions) | 5.7924% | 1,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8645% | 87 |
| Loan loss allowance to noncurrent loans | 41.9440% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 11.7369% | 241 |
| Noncurrent loans to loans | 13.9816% | 182 |
| Net loans and leases to total assets | 63.5574% | 4,958 |
| Net loans and leases to deposits | 76.2602% | 4,996 |
| Net loans and leases to core deposits | 93.1978% | 5,108 |
| Total domestic deposits to total assets | 83.3428% | 4,043 |
| Equity capital to assets | 7.3009% | 7,428 |
| Core capital (leverage) ratio | 6.8305% | 7,528 |
| Tier 1 risk-based capital ratio | 8.9583% | 7,635 |
| Total risk-based capital ratio | 10.2533% | 7,634 |
| Memoranda: | ||
| Average total assets | $112,406,750 | 4,793 |
| Average earning assets | $100,270,000 | 4,855 |
| Average equity | $9,760,250 | 5,412 |
| Average total loans | $77,481,750 | 4,650 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8783% | 2,686 |
| Cost of funding earning assets | 3.2089% | 259 |
| Net interest margin | 2.6694% | 7,268 |
| Noninterest income to average assets | 0.2301% | 6,638 |
| Noninterest expense to average assets | 3.5449% | 2,208 |
| Loan and lease loss provision to assets | 0.0611% | 6,605 |
| Net operating income to assets | -0.9923% | 6,980 |
| Return on assets (ROA) | -0.7478% | 6,796 |
| Pretax return on assets | -0.7478% | 6,649 |
| Return on Equity (ROE) | -8.1614% | 6,900 |
| Retained earnings to average equity (ytd only) | -8.1614% | 6,686 |
| Net charge-offs to loans | 1.6003% | 1,184 |
| Credit loss provision to net charge-offs | 5.5016% | 6,215 |
| Earnings coverage of net charge-offs (x) | -0.8382% | 6,191 |
| Efficiency ratio | 135.6259% | 477 |
| Assets per employee ($millions) | 5.5067% | 1,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0679% | 532 |
| Loan loss allowance to noncurrent loans | 34.6367% | 6,136 |
| Noncurrent assets plus other real estate owned to assets | 6.5383% | 693 |
| Noncurrent loans to loans | 8.8574% | 454 |
| Net loans and leases to total assets | 64.8628% | 4,793 |
| Net loans and leases to deposits | 78.0260% | 4,865 |
| Net loans and leases to core deposits | 86.6263% | 5,841 |
| Total domestic deposits to total assets | 83.1297% | 4,180 |
| Equity capital to assets | 8.3854% | 6,223 |
| Core capital (leverage) ratio | 9.0566% | 4,543 |
| Tier 1 risk-based capital ratio | 11.1641% | 5,715 |
| Total risk-based capital ratio | 12.4304% | 5,619 |
| Memoranda: | ||
| Average total assets | $111,259,670 | 4,851 |
| Average earning assets | $99,347,670 | 4,909 |
| Average equity | $10,194,330 | 5,306 |
| Average total loans | $77,236,670 | 4,685 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2223% | 1,524 |
| Cost of funding earning assets | 3.4455% | 169 |
| Net interest margin | 2.7769% | 7,038 |
| Noninterest income to average assets | 0.1944% | 6,906 |
| Noninterest expense to average assets | 3.2567% | 2,772 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.5794% | 6,951 |
| Return on assets (ROA) | -0.0807% | 6,499 |
| Pretax return on assets | -0.0807% | 6,462 |
| Return on Equity (ROE) | -0.8427% | 6,515 |
| Retained earnings to average equity (ytd only) | -0.8427% | 5,846 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.6438% | 605 |
| Assets per employee ($millions) | 5.3239% | 1,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7472% | 267 |
| Loan loss allowance to noncurrent loans | 69.1445% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 4.0608% | 1,261 |
| Noncurrent loans to loans | 5.4194% | 969 |
| Net loans and leases to total assets | 67.9603% | 4,149 |
| Net loans and leases to deposits | 81.4164% | 4,384 |
| Net loans and leases to core deposits | 90.3202% | 5,523 |
| Total domestic deposits to total assets | 83.4726% | 3,926 |
| Equity capital to assets | 9.1331% | 5,177 |
| Core capital (leverage) ratio | 9.4986% | 3,989 |
| Tier 1 risk-based capital ratio | 11.5370% | 5,369 |
| Total risk-based capital ratio | 12.8104% | 5,250 |
| Memoranda: | ||
| Average total assets | $109,069,000 | 4,926 |
| Average earning assets | $97,519,500 | 4,991 |
| Average equity | $10,443,000 | 5,246 |
| Average total loans | $77,164,000 | 4,719 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8343% | 1,569 |
| Cost of funding earning assets | 3.5454% | 460 |
| Net interest margin | 3.2890% | 6,080 |
| Noninterest income to average assets | 0.1793% | 7,156 |
| Noninterest expense to average assets | 3.5738% | 2,212 |
| Loan and lease loss provision to assets | 3.1352% | 284 |
| Net operating income to assets | -3.5258% | 7,916 |
| Return on assets (ROA) | -3.4002% | 7,876 |
| Pretax return on assets | -3.4002% | 7,790 |
| Return on Equity (ROE) | -25.5081% | 7,871 |
| Retained earnings to average equity (ytd only) | -25.5081% | 7,816 |
| Net charge-offs to loans | 0.3359% | 3,152 |
| Credit loss provision to net charge-offs | 1,282.7103% | 354 |
| Earnings coverage of net charge-offs (x) | -1.5981% | 6,676 |
| Efficiency ratio | 112.2713% | 668 |
| Assets per employee ($millions) | 5.3168% | 1,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9236% | 200 |
| Loan loss allowance to noncurrent loans | 121.0311% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 2.8843% | 1,615 |
| Noncurrent loans to loans | 3.2419% | 1,614 |
| Net loans and leases to total assets | 68.1152% | 4,449 |
| Net loans and leases to deposits | 84.6433% | 4,318 |
| Net loans and leases to core deposits | 96.9314% | 5,158 |
| Total domestic deposits to total assets | 80.4732% | 4,846 |
| Equity capital to assets | 10.0389% | 3,990 |
| Core capital (leverage) ratio | 10.0812% | 3,371 |
| Tier 1 risk-based capital ratio | 12.2393% | 4,639 |
| Total risk-based capital ratio | 13.5158% | 4,502 |
| Memoranda: | ||
| Average total assets | $87,553,800 | 5,432 |
| Average earning assets | $79,963,800 | 5,431 |
| Average equity | $11,670,800 | 4,922 |
| Average total loans | $63,718,600 | 5,111 |