Home > Founders Community Bank > Performance and Condition Ratios
Founders Community Bank, Performance and Condition Ratios
| 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 | 4.0417% | 3,058 |
| Cost of funding earning assets | 0.1400% | 5,486 |
| Net interest margin | 3.9017% | 1,961 |
| Noninterest income to average assets | 0.2250% | 5,063 |
| Noninterest expense to average assets | 2.8364% | 2,897 |
| Loan and lease loss provision to assets | 0.0214% | 3,942 |
| Net operating income to assets | 0.6405% | 4,041 |
| Return on assets (ROA) | 0.6405% | 4,151 |
| Pretax return on assets | 1.0389% | 3,333 |
| Return on Equity (ROE) | 6.9931% | 3,470 |
| Retained earnings to average equity (ytd only) | 5.4296% | 2,059 |
| Net charge-offs to loans | -0.0098% | 4,935 |
| Credit loss provision to net charge-offs | -410.0000% | 5,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7917% | 2,463 |
| Assets per employee ($millions) | 4.4751% | 3,152 |
| Cash dividends to net income (ytd only)* | 22.3577% | 3,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4657% | 1,810 |
| 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 | 52.3065% | 4,576 |
| Net loans and leases to deposits | 57.6568% | 4,817 |
| Net loans and leases to core deposits | 61.0351% | 4,805 |
| Total domestic deposits to total assets | 90.7203% | 382 |
| Equity capital to assets | 9.2274% | 4,548 |
| Core capital (leverage) ratio | 9.0415% | 4,687 |
| Tier 1 risk-based capital ratio | 15.6420% | 2,687 |
| Total risk-based capital ratio | 16.8928% | 2,619 |
| Memoranda: | ||
| Average total assets | $192,037,000 | 3,045 |
| Average earning assets | $180,715,600 | 3,005 |
| Average equity | $17,588,800 | 3,476 |
| Average total loans | $102,067,800 | 3,351 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0561% | 3,015 |
| Cost of funding earning assets | 0.1405% | 5,543 |
| Net interest margin | 3.9156% | 1,921 |
| Noninterest income to average assets | 0.2271% | 5,110 |
| Noninterest expense to average assets | 2.8794% | 2,705 |
| Loan and lease loss provision to assets | 0.0259% | 3,723 |
| Net operating income to assets | 0.6170% | 4,222 |
| Return on assets (ROA) | 0.6170% | 4,342 |
| Pretax return on assets | 1.0027% | 3,619 |
| Return on Equity (ROE) | 6.7491% | 3,694 |
| Retained earnings to average equity (ytd only) | 4.6472% | 3,059 |
| Net charge-offs to loans | -0.0118% | 4,833 |
| Credit loss provision to net charge-offs | -411.1111% | 5,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6814% | 2,347 |
| Assets per employee ($millions) | 4.5115% | 3,068 |
| Cash dividends to net income (ytd only)* | 31.1441% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 2,053 |
| 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 | 52.9384% | 4,576 |
| Net loans and leases to deposits | 58.2303% | 4,866 |
| Net loans and leases to core deposits | 61.1309% | 4,883 |
| Total domestic deposits to total assets | 90.9122% | 210 |
| Equity capital to assets | 8.9780% | 5,199 |
| Core capital (leverage) ratio | 9.1102% | 4,705 |
| Tier 1 risk-based capital ratio | 14.6984% | 3,193 |
| Total risk-based capital ratio | 15.9484% | 3,129 |
| Memoranda: | ||
| Average total assets | $190,820,500 | 3,066 |
| Average earning assets | $179,381,500 | 3,030 |
| Average equity | $17,443,750 | 3,519 |
| Average total loans | $101,453,500 | 3,368 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0416% | 3,096 |
| Cost of funding earning assets | 0.1435% | 5,590 |
| Net interest margin | 3.8982% | 1,984 |
| Noninterest income to average assets | 0.2273% | 5,128 |
| Noninterest expense to average assets | 2.9332% | 2,572 |
| Loan and lease loss provision to assets | 0.0340% | 3,473 |
| Net operating income to assets | 0.5716% | 4,391 |
| Return on assets (ROA) | 0.5716% | 4,519 |
| Pretax return on assets | 0.9264% | 3,851 |
| Return on Equity (ROE) | 6.2133% | 3,955 |
| Retained earnings to average equity (ytd only) | 3.3261% | 3,781 |
| Net charge-offs to loans | -0.0281% | 5,085 |
| Credit loss provision to net charge-offs | -228.5714% | 4,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3342% | 2,174 |
| Assets per employee ($millions) | 4.1666% | 3,625 |
| Cash dividends to net income (ytd only)* | 46.4684% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4550% | 2,048 |
| 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 | 55.1576% | 4,398 |
| Net loans and leases to deposits | 60.8983% | 4,738 |
| Net loans and leases to core deposits | 64.2257% | 4,732 |
| Total domestic deposits to total assets | 90.5733% | 296 |
| Equity capital to assets | 9.3227% | 4,950 |
| Core capital (leverage) ratio | 9.3688% | 4,376 |
| Tier 1 risk-based capital ratio | 14.5748% | 3,277 |
| Total risk-based capital ratio | 15.8250% | 3,209 |
| Memoranda: | ||
| Average total assets | $188,258,000 | 3,106 |
| Average earning assets | $177,057,330 | 3,074 |
| Average equity | $17,317,670 | 3,540 |
| Average total loans | $99,733,330 | 3,416 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9933% | 3,248 |
| Cost of funding earning assets | 0.1487% | 5,619 |
| Net interest margin | 3.8446% | 2,126 |
| Noninterest income to average assets | 0.2311% | 5,088 |
| Noninterest expense to average assets | 2.8011% | 3,067 |
| Loan and lease loss provision to assets | 0.0021% | 3,648 |
| Net operating income to assets | 0.6467% | 3,991 |
| Return on assets (ROA) | 0.6467% | 4,111 |
| Pretax return on assets | 1.0454% | 3,295 |
| Return on Equity (ROE) | 7.0780% | 3,415 |
| Retained earnings to average equity (ytd only) | 4.1772% | 3,398 |
| Net charge-offs to loans | 0.0206% | 2,526 |
| Credit loss provision to net charge-offs | 20.0000% | 2,294 |
| Earnings coverage of net charge-offs (x) | 98.8000% | 542 |
| Efficiency ratio | 72.7824% | 2,683 |
| Assets per employee ($millions) | 4.8712% | 2,493 |
| Cash dividends to net income (ytd only)* | 40.9836% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5260% | 1,874 |
| 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 | 51.4913% | 4,678 |
| Net loans and leases to deposits | 56.8506% | 4,928 |
| Net loans and leases to core deposits | 60.0941% | 4,932 |
| Total domestic deposits to total assets | 90.5730% | 410 |
| Equity capital to assets | 9.3708% | 4,812 |
| Core capital (leverage) ratio | 9.1474% | 4,661 |
| Tier 1 risk-based capital ratio | 15.1460% | 3,088 |
| Total risk-based capital ratio | 16.3975% | 3,023 |
| Memoranda: | ||
| Average total assets | $188,637,500 | 3,104 |
| Average earning assets | $177,496,000 | 3,079 |
| Average equity | $17,236,500 | 3,550 |
| Average total loans | $97,126,500 | 3,468 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9768% | 3,396 |
| Cost of funding earning assets | 0.1564% | 5,645 |
| Net interest margin | 3.8204% | 2,305 |
| Noninterest income to average assets | 0.2615% | 5,020 |
| Noninterest expense to average assets | 2.6202% | 3,850 |
| Loan and lease loss provision to assets | -0.1409% | 5,909 |
| Net operating income to assets | 0.8407% | 3,154 |
| Return on assets (ROA) | 0.8407% | 3,225 |
| Pretax return on assets | 1.3726% | 2,014 |
| Return on Equity (ROE) | 9.2511% | 2,345 |
| Retained earnings to average equity (ytd only) | 5.1011% | 2,347 |
| Net charge-offs to loans | -0.0010% | 4,837 |
| Credit loss provision to net charge-offs | 25,600.0000% | 8 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0246% | 3,570 |
| Assets per employee ($millions) | 5.3380% | 1,964 |
| Cash dividends to net income (ytd only)* | 44.8592% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5196% | 1,904 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 49.9464% | 4,874 |
| Net loans and leases to deposits | 57.8429% | 4,924 |
| Net loans and leases to core deposits | 61.3395% | 4,905 |
| Total domestic deposits to total assets | 86.3484% | 2,462 |
| Equity capital to assets | 8.9125% | 5,208 |
| Core capital (leverage) ratio | 9.0786% | 4,783 |
| Tier 1 risk-based capital ratio | 14.7751% | 3,289 |
| Total risk-based capital ratio | 16.0252% | 3,222 |
| Memoranda: | ||
| Average total assets | $181,628,200 | 3,145 |
| Average earning assets | $170,690,400 | 3,122 |
| Average equity | $16,506,200 | 3,600 |
| Average total loans | $97,256,800 | 3,430 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0945% | 2,965 |
| Cost of funding earning assets | 0.1595% | 5,713 |
| Net interest margin | 3.9350% | 1,917 |
| Noninterest income to average assets | 0.2555% | 5,113 |
| Noninterest expense to average assets | 2.6786% | 3,637 |
| Loan and lease loss provision to assets | -0.1609% | 6,068 |
| Net operating income to assets | 0.8708% | 3,083 |
| Return on assets (ROA) | 0.8708% | 3,167 |
| Pretax return on assets | 1.4309% | 1,900 |
| Return on Equity (ROE) | 9.5323% | 2,303 |
| Retained earnings to average equity (ytd only) | 3.9629% | 3,650 |
| Net charge-offs to loans | -0.0014% | 4,674 |
| Credit loss provision to net charge-offs | 21,600.0000% | 18 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8363% | 3,578 |
| Assets per employee ($millions) | 4.8939% | 2,423 |
| Cash dividends to net income (ytd only)* | 58.4257% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7406% | 1,385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 46.1709% | 5,216 |
| Net loans and leases to deposits | 50.7903% | 5,433 |
| Net loans and leases to core deposits | 53.8717% | 5,410 |
| Total domestic deposits to total assets | 90.9050% | 271 |
| Equity capital to assets | 8.9993% | 5,305 |
| Core capital (leverage) ratio | 8.9844% | 5,006 |
| Tier 1 risk-based capital ratio | 16.1862% | 2,720 |
| Total risk-based capital ratio | 17.4391% | 2,674 |
| Memoranda: | ||
| Average total assets | $178,993,250 | 3,206 |
| Average earning assets | $167,993,250 | 3,174 |
| Average equity | $16,351,000 | 3,653 |
| Average total loans | $97,205,500 | 3,467 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1942% | 2,556 |
| Cost of funding earning assets | 0.1593% | 5,782 |
| Net interest margin | 4.0349% | 1,537 |
| Noninterest income to average assets | 0.2604% | 5,089 |
| Noninterest expense to average assets | 2.6275% | 3,823 |
| Loan and lease loss provision to assets | -0.0249% | 5,986 |
| Net operating income to assets | 0.8819% | 2,981 |
| Return on assets (ROA) | 0.8819% | 3,094 |
| Pretax return on assets | 1.4434% | 1,825 |
| Return on Equity (ROE) | 9.6038% | 2,254 |
| Retained earnings to average equity (ytd only) | 2.7492% | 4,303 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9412% | 4,203 |
| Assets per employee ($millions) | 5.4637% | 1,771 |
| Cash dividends to net income (ytd only)* | 71.3736% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8356% | 1,301 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 49.3424% | 4,992 |
| Net loans and leases to deposits | 54.1834% | 5,245 |
| Net loans and leases to core deposits | 57.5529% | 5,219 |
| Total domestic deposits to total assets | 91.0656% | 279 |
| Equity capital to assets | 8.8380% | 5,396 |
| Core capital (leverage) ratio | 9.1681% | 4,732 |
| Tier 1 risk-based capital ratio | 15.2647% | 3,215 |
| Total risk-based capital ratio | 16.5193% | 3,152 |
| Memoranda: | ||
| Average total assets | $176,667,670 | 3,258 |
| Average earning assets | $165,752,330 | 3,225 |
| Average equity | $16,222,670 | 3,692 |
| Average total loans | $100,479,000 | 3,437 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2451% | 2,294 |
| Cost of funding earning assets | 0.1635% | 5,821 |
| Net interest margin | 4.0817% | 1,327 |
| Noninterest income to average assets | 0.2649% | 5,059 |
| Noninterest expense to average assets | 2.7190% | 3,523 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8436% | 3,037 |
| Return on assets (ROA) | 0.8436% | 3,165 |
| Pretax return on assets | 1.3758% | 1,976 |
| Return on Equity (ROE) | 9.0047% | 2,446 |
| Retained earnings to average equity (ytd only) | -1.5876% | 5,634 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4018% | 4,080 |
| Assets per employee ($millions) | 5.1597% | 2,163 |
| Cash dividends to net income (ytd only)* | 117.6309% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6642% | 1,839 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 58.4729% | 3,876 |
| Net loans and leases to deposits | 64.4466% | 4,324 |
| Net loans and leases to core deposits | 68.0322% | 4,319 |
| Total domestic deposits to total assets | 90.7308% | 460 |
| Equity capital to assets | 9.1831% | 5,111 |
| Core capital (leverage) ratio | 9.2271% | 4,679 |
| Tier 1 risk-based capital ratio | 13.8352% | 4,124 |
| Total risk-based capital ratio | 15.0882% | 4,052 |
| Memoranda: | ||
| Average total assets | $172,119,000 | 3,328 |
| Average earning assets | $161,502,500 | 3,300 |
| Average equity | $16,125,000 | 3,728 |
| Average total loans | $104,031,000 | 3,373 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6821% | 1,351 |
| Cost of funding earning assets | 0.1722% | 5,967 |
| Net interest margin | 4.5099% | 733 |
| Noninterest income to average assets | 0.2467% | 5,365 |
| Noninterest expense to average assets | 2.8113% | 3,435 |
| Loan and lease loss provision to assets | 0.0369% | 3,842 |
| Net operating income to assets | 0.9939% | 2,416 |
| Return on assets (ROA) | 0.9939% | 2,490 |
| Pretax return on assets | 1.6584% | 1,079 |
| Return on Equity (ROE) | 10.2522% | 2,008 |
| Retained earnings to average equity (ytd only) | 10.0651% | 508 |
| Net charge-offs to loans | 0.0682% | 3,502 |
| Credit loss provision to net charge-offs | 82.4324% | 2,822 |
| Earnings coverage of net charge-offs (x) | 37.8919% | 1,130 |
| Efficiency ratio | 62.3826% | 4,848 |
| Assets per employee ($millions) | 5.1154% | 2,176 |
| Cash dividends to net income (ytd only)* | 1.8248% | 4,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6733% | 1,849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 60.4302% | 3,734 |
| Net loans and leases to deposits | 66.8942% | 4,225 |
| Net loans and leases to core deposits | 70.7206% | 4,250 |
| Total domestic deposits to total assets | 90.3370% | 598 |
| Equity capital to assets | 9.5612% | 4,638 |
| Core capital (leverage) ratio | 9.4020% | 4,380 |
| Tier 1 risk-based capital ratio | 13.9344% | 4,137 |
| Total risk-based capital ratio | 15.1873% | 4,073 |
| Memoranda: | ||
| Average total assets | $165,402,800 | 3,407 |
| Average earning assets | $156,233,600 | 3,335 |
| Average equity | $16,035,600 | 3,661 |
| Average total loans | $108,441,400 | 3,253 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7037% | 1,297 |
| Cost of funding earning assets | 0.1695% | 6,065 |
| Net interest margin | 4.5342% | 695 |
| Noninterest income to average assets | 0.2382% | 5,501 |
| Noninterest expense to average assets | 2.8205% | 3,382 |
| Loan and lease loss provision to assets | 0.0470% | 3,441 |
| Net operating income to assets | 0.9812% | 2,537 |
| Return on assets (ROA) | 0.9812% | 2,606 |
| Pretax return on assets | 1.6619% | 1,157 |
| Return on Equity (ROE) | 10.0854% | 2,177 |
| Retained earnings to average equity (ytd only) | 9.8772% | 745 |
| Net charge-offs to loans | 0.1277% | 2,512 |
| Credit loss provision to net charge-offs | 55.2381% | 3,026 |
| Earnings coverage of net charge-offs (x) | 20.0852% | 1,753 |
| Efficiency ratio | 62.2719% | 4,849 |
| Assets per employee ($millions) | 5.1205% | 2,112 |
| Cash dividends to net income (ytd only)* | 2.0643% | 3,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6126% | 2,261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 61.4545% | 3,567 |
| Net loans and leases to deposits | 67.9963% | 4,127 |
| Net loans and leases to core deposits | 71.1577% | 4,231 |
| Total domestic deposits to total assets | 90.3792% | 581 |
| Equity capital to assets | 9.5208% | 4,775 |
| Core capital (leverage) ratio | 9.5000% | 4,373 |
| Tier 1 risk-based capital ratio | 13.7369% | 4,396 |
| Total risk-based capital ratio | 14.9896% | 4,325 |
| Memoranda: | ||
| Average total assets | $164,551,500 | 3,447 |
| Average earning assets | $155,731,750 | 3,365 |
| Average equity | $16,009,500 | 3,686 |
| Average total loans | $109,615,000 | 3,249 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7635% | 1,149 |
| Cost of funding earning assets | 0.1706% | 6,134 |
| Net interest margin | 4.5929% | 595 |
| Noninterest income to average assets | 0.2158% | 5,660 |
| Noninterest expense to average assets | 2.8428% | 3,359 |
| Loan and lease loss provision to assets | 0.0687% | 2,898 |
| Net operating income to assets | 0.9726% | 2,446 |
| Return on assets (ROA) | 0.9726% | 2,527 |
| Pretax return on assets | 1.6618% | 1,110 |
| Return on Equity (ROE) | 9.9228% | 2,182 |
| Retained earnings to average equity (ytd only) | 9.6851% | 796 |
| Net charge-offs to loans | 0.1928% | 1,871 |
| Credit loss provision to net charge-offs | 52.3364% | 2,764 |
| Earnings coverage of net charge-offs (x) | 13.1869% | 1,993 |
| Efficiency ratio | 62.1614% | 4,984 |
| Assets per employee ($millions) | 4.9442% | 2,288 |
| Cash dividends to net income (ytd only)* | 2.3960% | 3,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5672% | 2,593 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1939% | 5,547 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 63.4417% | 3,171 |
| Net loans and leases to deposits | 70.2329% | 3,799 |
| Net loans and leases to core deposits | 73.3067% | 3,920 |
| Total domestic deposits to total assets | 90.3304% | 644 |
| Equity capital to assets | 9.5602% | 4,676 |
| Core capital (leverage) ratio | 9.9852% | 3,635 |
| Tier 1 risk-based capital ratio | 13.2318% | 4,766 |
| Total risk-based capital ratio | 14.4841% | 4,697 |
| Memoranda: | ||
| Average total assets | $163,076,330 | 3,492 |
| Average earning assets | $154,718,000 | 3,398 |
| Average equity | $15,983,330 | 3,695 |
| Average total loans | $110,971,330 | 3,221 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8258% | 997 |
| Cost of funding earning assets | 0.1714% | 6,219 |
| Net interest margin | 4.6543% | 501 |
| Noninterest income to average assets | 0.2018% | 5,742 |
| Noninterest expense to average assets | 2.8948% | 3,234 |
| Loan and lease loss provision to assets | 0.1395% | 1,744 |
| Net operating income to assets | 0.9492% | 2,410 |
| Return on assets (ROA) | 0.9492% | 2,481 |
| Pretax return on assets | 1.6318% | 1,105 |
| Return on Equity (ROE) | 9.5612% | 2,220 |
| Retained earnings to average equity (ytd only) | 9.3102% | 1,159 |
| Net charge-offs to loans | 0.3847% | 951 |
| Credit loss provision to net charge-offs | 51.8519% | 2,182 |
| Earnings coverage of net charge-offs (x) | 6.5833% | 2,208 |
| Efficiency ratio | 62.0395% | 5,109 |
| Assets per employee ($millions) | 4.8933% | 2,383 |
| Cash dividends to net income (ytd only)* | 2.6247% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5264% | 3,031 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 5,615 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 67.7962% | 2,258 |
| Net loans and leases to deposits | 75.3375% | 2,893 |
| Net loans and leases to core deposits | 79.1423% | 3,071 |
| Total domestic deposits to total assets | 89.9900% | 1,082 |
| Equity capital to assets | 9.9240% | 3,934 |
| Core capital (leverage) ratio | 9.9299% | 3,661 |
| Tier 1 risk-based capital ratio | 13.4081% | 4,761 |
| Total risk-based capital ratio | 14.6603% | 4,688 |
| Memoranda: | ||
| Average total assets | $160,562,500 | 3,554 |
| Average earning assets | $154,006,500 | 3,436 |
| Average equity | $15,939,500 | 3,709 |
| Average total loans | $112,284,000 | 3,217 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6014% | 1,873 |
| Cost of funding earning assets | 0.1899% | 6,337 |
| Net interest margin | 4.4115% | 893 |
| Noninterest income to average assets | 0.1899% | 5,950 |
| Noninterest expense to average assets | 3.0005% | 3,055 |
| Loan and lease loss provision to assets | 0.0398% | 4,323 |
| Net operating income to assets | 0.7667% | 3,456 |
| Return on assets (ROA) | 0.7667% | 3,553 |
| Pretax return on assets | 1.3443% | 1,992 |
| Return on Equity (ROE) | 7.2334% | 3,437 |
| Retained earnings to average equity (ytd only) | 6.9892% | 1,438 |
| Net charge-offs to loans | -0.0483% | 6,329 |
| Credit loss provision to net charge-offs | -122.4490% | 5,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4330% | 4,119 |
| Assets per employee ($millions) | 4.8378% | 2,391 |
| Cash dividends to net income (ytd only)* | 3.3766% | 4,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 2,993 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2042% | 5,682 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 69.9330% | 2,019 |
| Net loans and leases to deposits | 77.7089% | 2,763 |
| Net loans and leases to core deposits | 81.6866% | 2,935 |
| Total domestic deposits to total assets | 89.9935% | 1,086 |
| Equity capital to assets | 9.9307% | 3,858 |
| Core capital (leverage) ratio | 9.7284% | 3,947 |
| Tier 1 risk-based capital ratio | 13.0136% | 4,963 |
| Total risk-based capital ratio | 14.2660% | 4,911 |
| Memoranda: | ||
| Average total assets | $150,639,800 | 3,697 |
| Average earning assets | $143,240,000 | 3,615 |
| Average equity | $15,967,600 | 3,708 |
| Average total loans | $101,371,200 | 3,420 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5501% | 2,038 |
| Cost of funding earning assets | 0.1922% | 6,435 |
| Net interest margin | 4.3579% | 970 |
| Noninterest income to average assets | 0.2040% | 5,960 |
| Noninterest expense to average assets | 3.0792% | 2,727 |
| Loan and lease loss provision to assets | -0.0377% | 6,530 |
| Net operating income to assets | 0.7431% | 3,636 |
| Return on assets (ROA) | 0.7431% | 3,759 |
| Pretax return on assets | 1.2975% | 2,338 |
| Return on Equity (ROE) | 6.8932% | 3,716 |
| Retained earnings to average equity (ytd only) | 6.6432% | 2,063 |
| Net charge-offs to loans | -0.0569% | 6,356 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9671% | 3,611 |
| Assets per employee ($millions) | 4.6154% | 2,693 |
| Cash dividends to net income (ytd only)* | 3.6277% | 3,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6179% | 2,925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3823% | 5,260 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 63.5482% | 3,068 |
| Net loans and leases to deposits | 71.0804% | 3,631 |
| Net loans and leases to core deposits | 74.6648% | 3,769 |
| Total domestic deposits to total assets | 89.4032% | 1,358 |
| Equity capital to assets | 10.4700% | 3,312 |
| Core capital (leverage) ratio | 10.4874% | 3,018 |
| Tier 1 risk-based capital ratio | 14.9490% | 3,784 |
| Total risk-based capital ratio | 16.2024% | 3,730 |
| Memoranda: | ||
| Average total assets | $148,388,000 | 3,769 |
| Average earning assets | $140,798,000 | 3,690 |
| Average equity | $15,996,000 | 3,743 |
| Average total loans | $98,365,250 | 3,516 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5566% | 2,011 |
| Cost of funding earning assets | 0.1941% | 6,506 |
| Net interest margin | 4.3626% | 914 |
| Noninterest income to average assets | 0.1786% | 6,140 |
| Noninterest expense to average assets | 3.1661% | 2,458 |
| Loan and lease loss provision to assets | -0.0563% | 6,656 |
| Net operating income to assets | 0.6843% | 3,881 |
| Return on assets (ROA) | 0.6843% | 4,048 |
| Pretax return on assets | 1.2079% | 2,639 |
| Return on Equity (ROE) | 6.2834% | 4,000 |
| Retained earnings to average equity (ytd only) | 6.0437% | 2,408 |
| Net charge-offs to loans | -0.0863% | 6,461 |
| Credit loss provision to net charge-offs | 97.6190% | 2,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3291% | 3,254 |
| Assets per employee ($millions) | 4.6908% | 2,527 |
| Cash dividends to net income (ytd only)* | 3.8153% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6568% | 2,949 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3934% | 5,300 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 62.9226% | 3,115 |
| Net loans and leases to deposits | 70.3550% | 3,670 |
| Net loans and leases to core deposits | 74.3739% | 3,748 |
| Total domestic deposits to total assets | 89.4359% | 1,356 |
| Equity capital to assets | 10.4032% | 3,424 |
| Core capital (leverage) ratio | 10.8397% | 2,515 |
| Tier 1 risk-based capital ratio | 15.2416% | 3,632 |
| Total risk-based capital ratio | 16.4956% | 3,587 |
| Memoranda: | ||
| Average total assets | $145,542,330 | 3,850 |
| Average earning assets | $138,084,330 | 3,750 |
| Average equity | $15,851,330 | 3,792 |
| Average total loans | $97,366,000 | 3,557 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7174% | 1,489 |
| Cost of funding earning assets | 0.1953% | 6,595 |
| Net interest margin | 4.5221% | 652 |
| Noninterest income to average assets | 0.1476% | 6,364 |
| Noninterest expense to average assets | 3.4063% | 1,822 |
| Loan and lease loss provision to assets | -0.1107% | 6,846 |
| Net operating income to assets | 0.6131% | 4,151 |
| Return on assets (ROA) | 0.6131% | 4,313 |
| Pretax return on assets | 1.1241% | 2,866 |
| Return on Equity (ROE) | 5.4944% | 4,312 |
| Retained earnings to average equity (ytd only) | 5.2655% | 3,074 |
| Net charge-offs to loans | -0.1658% | 6,632 |
| Credit loss provision to net charge-offs | 97.5000% | 1,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0713% | 2,748 |
| Assets per employee ($millions) | 4.0584% | 3,829 |
| Cash dividends to net income (ytd only)* | 4.1667% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7242% | 2,905 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4230% | 5,340 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 64.0187% | 2,705 |
| Net loans and leases to deposits | 71.8626% | 3,195 |
| Net loans and leases to core deposits | 76.1308% | 3,305 |
| Total domestic deposits to total assets | 89.0849% | 1,636 |
| Equity capital to assets | 10.8384% | 3,160 |
| Core capital (leverage) ratio | 11.4805% | 1,897 |
| Tier 1 risk-based capital ratio | 15.4544% | 3,555 |
| Total risk-based capital ratio | 16.7092% | 3,512 |
| Memoranda: | ||
| Average total assets | $140,914,500 | 3,964 |
| Average earning assets | $133,124,500 | 3,878 |
| Average equity | $15,725,000 | 3,868 |
| Average total loans | $96,527,000 | 3,605 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0900% | 1,333 |
| Cost of funding earning assets | 0.2247% | 6,767 |
| Net interest margin | 4.8654% | 480 |
| Noninterest income to average assets | 0.2196% | 5,865 |
| Noninterest expense to average assets | 3.4981% | 1,817 |
| Loan and lease loss provision to assets | 0.1503% | 3,727 |
| Net operating income to assets | 0.6689% | 3,892 |
| Return on assets (ROA) | 0.6689% | 4,162 |
| Pretax return on assets | 1.1553% | 2,967 |
| Return on Equity (ROE) | 5.6095% | 4,364 |
| Retained earnings to average equity (ytd only) | 5.1674% | 2,596 |
| Net charge-offs to loans | -0.0109% | 6,472 |
| Credit loss provision to net charge-offs | -1,910.0000% | 6,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8211% | 3,271 |
| Assets per employee ($millions) | 3.7702% | 4,426 |
| Cash dividends to net income (ytd only)* | 7.8824% | 4,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6755% | 3,023 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5533% | 5,095 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 70.9073% | 1,665 |
| Net loans and leases to deposits | 80.1955% | 2,254 |
| Net loans and leases to core deposits | 84.3982% | 2,502 |
| Total domestic deposits to total assets | 88.4180% | 1,951 |
| Equity capital to assets | 11.5046% | 2,438 |
| Core capital (leverage) ratio | 11.9141% | 1,615 |
| Tier 1 risk-based capital ratio | 14.8435% | 3,809 |
| Total risk-based capital ratio | 16.0972% | 3,760 |
| Memoranda: | ||
| Average total assets | $127,069,600 | 4,209 |
| Average earning assets | $119,723,800 | 4,114 |
| Average equity | $15,152,800 | 3,929 |
| Average total loans | $91,469,600 | 3,709 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1742% | 1,248 |
| Cost of funding earning assets | 0.2346% | 6,865 |
| Net interest margin | 4.9396% | 442 |
| Noninterest income to average assets | 0.2220% | 5,964 |
| Noninterest expense to average assets | 3.5333% | 1,684 |
| Loan and lease loss provision to assets | 0.2082% | 2,995 |
| Net operating income to assets | 0.6554% | 4,114 |
| Return on assets (ROA) | 0.6554% | 4,382 |
| Pretax return on assets | 1.1326% | 3,220 |
| Return on Equity (ROE) | 5.4441% | 4,622 |
| Retained earnings to average equity (ytd only) | 4.9298% | 3,413 |
| Net charge-offs to loans | -0.0134% | 6,421 |
| Credit loss provision to net charge-offs | -2,166.6667% | 6,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4923% | 3,234 |
| Assets per employee ($millions) | 3.6675% | 4,613 |
| Cash dividends to net income (ytd only)* | 9.4460% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8748% | 2,562 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5874% | 5,200 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 66.9931% | 2,463 |
| Net loans and leases to deposits | 76.1910% | 2,953 |
| Net loans and leases to core deposits | 80.9315% | 3,094 |
| Total domestic deposits to total assets | 87.9278% | 2,087 |
| Equity capital to assets | 11.9787% | 2,277 |
| Core capital (leverage) ratio | 11.9155% | 1,708 |
| Tier 1 risk-based capital ratio | 16.3252% | 3,099 |
| Total risk-based capital ratio | 17.5812% | 3,061 |
| Memoranda: | ||
| Average total assets | $124,905,000 | 4,294 |
| Average earning assets | $117,632,250 | 4,206 |
| Average equity | $15,037,250 | 3,992 |
| Average total loans | $89,866,750 | 3,791 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0502% | 1,665 |
| Cost of funding earning assets | 0.2452% | 6,929 |
| Net interest margin | 4.8050% | 555 |
| Noninterest income to average assets | 0.2311% | 5,921 |
| Noninterest expense to average assets | 3.4585% | 1,883 |
| Loan and lease loss provision to assets | 0.3168% | 2,084 |
| Net operating income to assets | 0.5689% | 4,502 |
| Return on assets (ROA) | 0.5689% | 4,777 |
| Pretax return on assets | 0.9842% | 3,773 |
| Return on Equity (ROE) | 4.7171% | 4,951 |
| Retained earnings to average equity (ytd only) | 4.0605% | 3,904 |
| Net charge-offs to loans | -0.0022% | 6,095 |
| Credit loss provision to net charge-offs | -19,600.0000% | 6,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6655% | 3,310 |
| Assets per employee ($millions) | 3.7406% | 4,440 |
| Cash dividends to net income (ytd only)* | 13.9205% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6627% | 3,383 |
| Loan loss allowance to noncurrent loans | 3,408.3333% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.6306% | 5,198 |
| Noncurrent loans to loans | 0.0488% | 6,556 |
| Net loans and leases to total assets | 76.0819% | 960 |
| Net loans and leases to deposits | 86.4169% | 1,545 |
| Net loans and leases to core deposits | 93.0654% | 1,679 |
| Total domestic deposits to total assets | 88.0406% | 2,113 |
| Equity capital to assets | 11.8596% | 2,260 |
| Core capital (leverage) ratio | 12.1779% | 1,506 |
| Tier 1 risk-based capital ratio | 14.9627% | 3,791 |
| Total risk-based capital ratio | 16.2176% | 3,736 |
| Memoranda: | ||
| Average total assets | $123,753,000 | 4,334 |
| Average earning assets | $116,629,330 | 4,252 |
| Average equity | $14,924,330 | 4,008 |
| Average total loans | $90,610,330 | 3,791 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0035% | 1,874 |
| Cost of funding earning assets | 0.2578% | 6,986 |
| Net interest margin | 4.7457% | 634 |
| Noninterest income to average assets | 0.2622% | 5,770 |
| Noninterest expense to average assets | 3.5562% | 1,653 |
| Loan and lease loss provision to assets | 0.1016% | 4,065 |
| Net operating income to assets | 0.6195% | 4,261 |
| Return on assets (ROA) | 0.6195% | 4,470 |
| Pretax return on assets | 1.0685% | 3,443 |
| Return on Equity (ROE) | 5.0926% | 4,741 |
| Retained earnings to average equity (ytd only) | 4.3921% | 3,959 |
| Net charge-offs to loans | -0.0507% | 6,539 |
| Credit loss provision to net charge-offs | -281.8182% | 5,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2427% | 2,902 |
| Assets per employee ($millions) | 3.7718% | 4,487 |
| Cash dividends to net income (ytd only)* | 13.7566% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7001% | 3,353 |
| Loan loss allowance to noncurrent loans | 3,085.4167% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.6728% | 5,215 |
| Noncurrent loans to loans | 0.0551% | 6,616 |
| Net loans and leases to total assets | 70.9477% | 1,583 |
| Net loans and leases to deposits | 81.0562% | 2,049 |
| Net loans and leases to core deposits | 86.4444% | 2,240 |
| Total domestic deposits to total assets | 87.5290% | 2,634 |
| Equity capital to assets | 12.3724% | 1,807 |
| Core capital (leverage) ratio | 12.2722% | 1,449 |
| Tier 1 risk-based capital ratio | 16.7547% | 2,779 |
| Total risk-based capital ratio | 18.0103% | 2,736 |
| Memoranda: | ||
| Average total assets | $122,039,500 | 4,408 |
| Average earning assets | $114,799,000 | 4,314 |
| Average equity | $14,845,000 | 4,028 |
| Average total loans | $86,717,000 | 3,917 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9650% | 3,052 |
| Cost of funding earning assets | 0.3938% | 6,902 |
| Net interest margin | 4.5711% | 979 |
| Noninterest income to average assets | -0.1353% | 7,122 |
| Noninterest expense to average assets | 3.5961% | 1,753 |
| Loan and lease loss provision to assets | 0.2689% | 3,524 |
| Net operating income to assets | 0.4118% | 4,809 |
| Return on assets (ROA) | 0.4118% | 4,997 |
| Pretax return on assets | 0.2928% | 5,573 |
| Return on Equity (ROE) | 3.9441% | 4,875 |
| Retained earnings to average equity (ytd only) | 3.6161% | 3,635 |
| Net charge-offs to loans | 0.3437% | 3,680 |
| Credit loss provision to net charge-offs | 111.3475% | 2,990 |
| Earnings coverage of net charge-offs (x) | 2.3262% | 4,054 |
| Efficiency ratio | 86.4909% | 1,499 |
| Assets per employee ($millions) | 3.8557% | 4,193 |
| Cash dividends to net income (ytd only)* | 8.3160% | 3,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6670% | 3,316 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6192% | 5,411 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 68.7963% | 2,248 |
| Net loans and leases to deposits | 78.2065% | 2,803 |
| Net loans and leases to core deposits | 84.0118% | 2,890 |
| Total domestic deposits to total assets | 87.9675% | 2,186 |
| Equity capital to assets | 11.9603% | 2,156 |
| Core capital (leverage) ratio | 11.7487% | 1,736 |
| Tier 1 risk-based capital ratio | 16.3847% | 2,871 |
| Total risk-based capital ratio | 17.6393% | 2,839 |
| Memoranda: | ||
| Average total assets | $116,792,800 | 4,487 |
| Average earning assets | $109,688,600 | 4,401 |
| Average equity | $12,195,400 | 4,506 |
| Average total loans | $82,038,200 | 4,081 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9712% | 3,236 |
| Cost of funding earning assets | 0.4192% | 6,963 |
| Net interest margin | 4.5520% | 1,036 |
| Noninterest income to average assets | 0.0347% | 7,001 |
| Noninterest expense to average assets | 3.6475% | 1,607 |
| Loan and lease loss provision to assets | 0.3289% | 2,911 |
| Net operating income to assets | 0.2987% | 5,396 |
| Return on assets (ROA) | 0.2987% | 5,574 |
| Pretax return on assets | 0.3335% | 5,634 |
| Return on Equity (ROE) | 2.9770% | 5,432 |
| Retained earnings to average equity (ytd only) | 2.5154% | 4,858 |
| Net charge-offs to loans | 0.2948% | 3,617 |
| Credit loss provision to net charge-offs | 158.6592% | 1,952 |
| Earnings coverage of net charge-offs (x) | 3.1956% | 3,545 |
| Efficiency ratio | 84.6319% | 1,674 |
| Assets per employee ($millions) | 4.2674% | 3,335 |
| Cash dividends to net income (ytd only)* | 15.5034% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8160% | 2,883 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8161% | 5,139 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 66.0571% | 2,890 |
| Net loans and leases to deposits | 74.9166% | 3,517 |
| Net loans and leases to core deposits | 80.4244% | 3,573 |
| Total domestic deposits to total assets | 88.1742% | 1,941 |
| Equity capital to assets | 11.7329% | 2,464 |
| Core capital (leverage) ratio | 11.9802% | 1,717 |
| Tier 1 risk-based capital ratio | 16.7281% | 2,752 |
| Total risk-based capital ratio | 17.9841% | 2,723 |
| Memoranda: | ||
| Average total assets | $115,145,250 | 4,549 |
| Average earning assets | $108,140,750 | 4,476 |
| Average equity | $11,555,000 | 4,678 |
| Average total loans | $80,967,250 | 4,144 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9973% | 3,171 |
| Cost of funding earning assets | 0.4462% | 7,020 |
| Net interest margin | 4.5511% | 1,008 |
| Noninterest income to average assets | 0.0356% | 7,098 |
| Noninterest expense to average assets | 3.7551% | 1,437 |
| Loan and lease loss provision to assets | 0.2708% | 3,229 |
| Net operating income to assets | 0.2440% | 5,584 |
| Return on assets (ROA) | 0.2440% | 5,708 |
| Pretax return on assets | 0.2797% | 5,713 |
| Return on Equity (ROE) | 2.5931% | 5,571 |
| Retained earnings to average equity (ytd only) | 2.5931% | 4,644 |
| Net charge-offs to loans | 0.0773% | 4,865 |
| Credit loss provision to net charge-offs | 490.3226% | 631 |
| Earnings coverage of net charge-offs (x) | 9.9677% | 1,865 |
| Efficiency ratio | 87.2156% | 1,489 |
| Assets per employee ($millions) | 3.6797% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8162% | 2,932 |
| Loan loss allowance to noncurrent loans | 387.8173% | 833 |
| Noncurrent assets plus other real estate owned to assets | 1.7998% | 3,507 |
| Noncurrent loans to loans | 0.4683% | 5,969 |
| Net loans and leases to total assets | 72.4134% | 1,703 |
| Net loans and leases to deposits | 79.9679% | 2,807 |
| Net loans and leases to core deposits | 86.5931% | 2,806 |
| Total domestic deposits to total assets | 90.5532% | 699 |
| Equity capital to assets | 9.3372% | 5,096 |
| Core capital (leverage) ratio | 9.2102% | 4,389 |
| Tier 1 risk-based capital ratio | 11.9976% | 5,791 |
| Total risk-based capital ratio | 13.2532% | 5,757 |
| Memoranda: | ||
| Average total assets | $112,275,330 | 4,648 |
| Average earning assets | $105,337,330 | 4,581 |
| Average equity | $10,566,670 | 4,908 |
| Average total loans | $80,202,670 | 4,204 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9859% | 3,164 |
| Cost of funding earning assets | 0.4595% | 7,091 |
| Net interest margin | 4.5263% | 1,011 |
| Noninterest income to average assets | 0.0395% | 7,184 |
| Noninterest expense to average assets | 3.9218% | 1,147 |
| Loan and lease loss provision to assets | 0.0539% | 5,330 |
| Net operating income to assets | 0.3089% | 5,366 |
| Return on assets (ROA) | 0.3089% | 5,437 |
| Pretax return on assets | 0.3089% | 5,631 |
| Return on Equity (ROE) | 3.2686% | 5,251 |
| Retained earnings to average equity (ytd only) | 3.2686% | 4,219 |
| Net charge-offs to loans | -0.0051% | 6,245 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5339% | 1,196 |
| Assets per employee ($millions) | 3.5119% | 4,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8233% | 2,939 |
| Loan loss allowance to noncurrent loans | 4,743.3333% | 108 |
| Noncurrent assets plus other real estate owned to assets | 1.5412% | 3,935 |
| Noncurrent loans to loans | 0.0384% | 6,953 |
| Net loans and leases to total assets | 68.1797% | 2,510 |
| Net loans and leases to deposits | 75.3402% | 3,530 |
| Net loans and leases to core deposits | 81.5152% | 3,526 |
| Total domestic deposits to total assets | 90.4957% | 841 |
| Equity capital to assets | 9.4082% | 4,558 |
| Core capital (leverage) ratio | 9.4771% | 3,850 |
| Tier 1 risk-based capital ratio | 12.7080% | 5,058 |
| Total risk-based capital ratio | 13.9635% | 5,028 |
| Memoranda: | ||
| Average total assets | $111,378,000 | 4,704 |
| Average earning assets | $104,455,500 | 4,627 |
| Average equity | $10,524,500 | 4,913 |
| Average total loans | $78,239,000 | 4,321 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5638% | 2,037 |
| Cost of funding earning assets | 0.5689% | 7,184 |
| Net interest margin | 4.9948% | 433 |
| Noninterest income to average assets | 0.0809% | 6,984 |
| Noninterest expense to average assets | 3.9468% | 1,241 |
| Loan and lease loss provision to assets | 0.4953% | 3,177 |
| Net operating income to assets | 0.2965% | 4,949 |
| Return on assets (ROA) | 0.2965% | 5,114 |
| Pretax return on assets | 0.2974% | 5,236 |
| Return on Equity (ROE) | 3.0974% | 4,919 |
| Retained earnings to average equity (ytd only) | 3.0974% | 3,690 |
| Net charge-offs to loans | 0.9724% | 2,233 |
| Credit loss provision to net charge-offs | 65.9653% | 5,956 |
| Earnings coverage of net charge-offs (x) | 1.0557% | 5,054 |
| Efficiency ratio | 83.2745% | 2,021 |
| Assets per employee ($millions) | 3.4492% | 5,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7939% | 2,882 |
| Loan loss allowance to noncurrent loans | 2,425.8621% | 186 |
| Noncurrent assets plus other real estate owned to assets | 1.6335% | 3,853 |
| Noncurrent loans to loans | 0.0739% | 6,941 |
| Net loans and leases to total assets | 69.7866% | 2,577 |
| Net loans and leases to deposits | 77.1721% | 3,643 |
| Net loans and leases to core deposits | 82.9264% | 3,758 |
| Total domestic deposits to total assets | 90.4299% | 873 |
| Equity capital to assets | 9.4913% | 4,413 |
| Core capital (leverage) ratio | 9.3620% | 3,908 |
| Tier 1 risk-based capital ratio | 12.5559% | 4,970 |
| Total risk-based capital ratio | 13.8112% | 4,956 |
| Memoranda: | ||
| Average total assets | $107,606,600 | 4,783 |
| Average earning assets | $100,363,400 | 4,716 |
| Average equity | $10,299,000 | 5,042 |
| Average total loans | $83,092,400 | 4,240 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6620% | 1,839 |
| Cost of funding earning assets | 0.5964% | 7,302 |
| Net interest margin | 5.0657% | 381 |
| Noninterest income to average assets | 0.2295% | 6,256 |
| Noninterest expense to average assets | 3.9944% | 1,051 |
| Loan and lease loss provision to assets | 0.6634% | 2,307 |
| Net operating income to assets | 0.2843% | 5,227 |
| Return on assets (ROA) | 0.2843% | 5,391 |
| Pretax return on assets | 0.2856% | 5,543 |
| Return on Equity (ROE) | 2.9644% | 5,239 |
| Retained earnings to average equity (ytd only) | 2.9644% | 4,361 |
| Net charge-offs to loans | 0.8545% | 2,308 |
| Credit loss provision to net charge-offs | 98.5185% | 4,426 |
| Earnings coverage of net charge-offs (x) | 1.4093% | 4,673 |
| Efficiency ratio | 80.8022% | 2,246 |
| Assets per employee ($millions) | 3.5868% | 4,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9860% | 2,259 |
| Loan loss allowance to noncurrent loans | 318.8571% | 926 |
| Noncurrent assets plus other real estate owned to assets | 1.8544% | 3,675 |
| Noncurrent loans to loans | 0.6228% | 5,961 |
| Net loans and leases to total assets | 74.3021% | 1,736 |
| Net loans and leases to deposits | 82.0665% | 3,093 |
| Net loans and leases to core deposits | 87.5692% | 3,433 |
| Total domestic deposits to total assets | 90.5389% | 622 |
| Equity capital to assets | 9.3478% | 5,050 |
| Core capital (leverage) ratio | 9.7286% | 3,581 |
| Tier 1 risk-based capital ratio | 11.7323% | 5,703 |
| Total risk-based capital ratio | 12.9922% | 5,664 |
| Memoranda: | ||
| Average total assets | $106,914,500 | 4,864 |
| Average earning assets | $99,491,000 | 4,801 |
| Average equity | $10,254,750 | 5,121 |
| Average total loans | $84,257,000 | 4,278 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7685% | 1,512 |
| Cost of funding earning assets | 0.6480% | 7,299 |
| Net interest margin | 5.1205% | 325 |
| Noninterest income to average assets | 0.2503% | 6,123 |
| Noninterest expense to average assets | 4.0516% | 982 |
| Loan and lease loss provision to assets | 0.6617% | 2,181 |
| Net operating income to assets | 0.2844% | 5,243 |
| Return on assets (ROA) | 0.2844% | 5,392 |
| Pretax return on assets | 0.2863% | 5,535 |
| Return on Equity (ROE) | 2.9388% | 5,258 |
| Retained earnings to average equity (ytd only) | 2.9388% | 4,260 |
| Net charge-offs to loans | 1.2606% | 1,513 |
| Credit loss provision to net charge-offs | 65.7250% | 5,082 |
| Earnings coverage of net charge-offs (x) | 0.9416% | 4,837 |
| Efficiency ratio | 81.0391% | 2,294 |
| Assets per employee ($millions) | 3.4244% | 5,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7779% | 2,789 |
| Loan loss allowance to noncurrent loans | 303.0303% | 957 |
| Noncurrent assets plus other real estate owned to assets | 1.9809% | 3,518 |
| Noncurrent loans to loans | 0.5867% | 6,075 |
| Net loans and leases to total assets | 80.6654% | 705 |
| Net loans and leases to deposits | 89.8135% | 1,890 |
| Net loans and leases to core deposits | 97.0693% | 2,324 |
| Total domestic deposits to total assets | 89.8144% | 1,012 |
| Equity capital to assets | 10.0299% | 3,984 |
| Core capital (leverage) ratio | 10.0818% | 3,086 |
| Tier 1 risk-based capital ratio | 11.3530% | 5,905 |
| Total risk-based capital ratio | 12.6083% | 5,885 |
| Memoranda: | ||
| Average total assets | $105,488,670 | 4,930 |
| Average earning assets | $97,841,670 | 4,880 |
| Average equity | $10,208,330 | 5,142 |
| Average total loans | $84,245,330 | 4,316 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7585% | 1,601 |
| Cost of funding earning assets | 0.7117% | 7,310 |
| Net interest margin | 5.0468% | 378 |
| Noninterest income to average assets | 0.2545% | 6,111 |
| Noninterest expense to average assets | 4.0050% | 1,027 |
| Loan and lease loss provision to assets | 0.6401% | 1,980 |
| Net operating income to assets | 0.2545% | 5,477 |
| Return on assets (ROA) | 0.2545% | 5,602 |
| Pretax return on assets | 0.2545% | 5,737 |
| Return on Equity (ROE) | 2.6770% | 5,494 |
| Retained earnings to average equity (ytd only) | 2.6770% | 4,541 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7418% | 2,306 |
| Assets per employee ($millions) | 3.3923% | 5,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2195% | 1,710 |
| Loan loss allowance to noncurrent loans | 180.0777% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 2.4429% | 2,973 |
| Noncurrent loans to loans | 1.2325% | 4,913 |
| Net loans and leases to total assets | 77.6284% | 1,216 |
| Net loans and leases to deposits | 86.0719% | 2,574 |
| Net loans and leases to core deposits | 93.3750% | 2,923 |
| Total domestic deposits to total assets | 90.1902% | 893 |
| Equity capital to assets | 9.7024% | 4,228 |
| Core capital (leverage) ratio | 9.5057% | 3,760 |
| Tier 1 risk-based capital ratio | 11.2833% | 5,871 |
| Total risk-based capital ratio | 12.5437% | 5,828 |
| Memoranda: | ||
| Average total assets | $106,866,500 | 4,956 |
| Average earning assets | $98,359,500 | 4,923 |
| Average equity | $10,160,500 | 5,194 |
| Average total loans | $84,183,000 | 4,378 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8317% | 2,519 |
| Cost of funding earning assets | 1.0452% | 7,112 |
| Net interest margin | 4.7866% | 710 |
| Noninterest income to average assets | 0.2748% | 6,142 |
| Noninterest expense to average assets | 4.2317% | 1,055 |
| Loan and lease loss provision to assets | 2.3217% | 876 |
| Net operating income to assets | -1.5318% | 6,876 |
| Return on assets (ROA) | -1.5318% | 6,880 |
| Pretax return on assets | -1.8238% | 6,868 |
| Return on Equity (ROE) | -14.4896% | 6,908 |
| Retained earnings to average equity (ytd only) | -14.4896% | 6,852 |
| Net charge-offs to loans | 2.3647% | 971 |
| Credit loss provision to net charge-offs | 118.8725% | 4,521 |
| Earnings coverage of net charge-offs (x) | 0.2549% | 5,865 |
| Efficiency ratio | 89.4737% | 1,750 |
| Assets per employee ($millions) | 3.3929% | 5,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9816% | 2,074 |
| Loan loss allowance to noncurrent loans | 566.3300% | 595 |
| Noncurrent assets plus other real estate owned to assets | 1.6919% | 3,828 |
| Noncurrent loans to loans | 0.3499% | 6,574 |
| Net loans and leases to total assets | 76.6277% | 1,664 |
| Net loans and leases to deposits | 84.6289% | 3,155 |
| Net loans and leases to core deposits | 112.6476% | 2,633 |
| Total domestic deposits to total assets | 90.5455% | 721 |
| Equity capital to assets | 9.3191% | 4,677 |
| Core capital (leverage) ratio | 8.9560% | 4,497 |
| Tier 1 risk-based capital ratio | 11.0955% | 5,837 |
| Total risk-based capital ratio | 12.3457% | 5,784 |
| Memoranda: | ||
| Average total assets | $104,450,200 | 4,973 |
| Average earning assets | $97,209,600 | 4,916 |
| Average equity | $11,042,400 | 5,012 |
| Average total loans | $86,268,200 | 4,322 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8798% | 2,535 |
| Cost of funding earning assets | 1.0918% | 7,194 |
| Net interest margin | 4.7880% | 701 |
| Noninterest income to average assets | 0.2798% | 6,234 |
| Noninterest expense to average assets | 4.2737% | 943 |
| Loan and lease loss provision to assets | 2.1723% | 801 |
| Net operating income to assets | -1.0159% | 6,847 |
| Return on assets (ROA) | -1.0159% | 6,857 |
| Pretax return on assets | -1.6940% | 7,045 |
| Return on Equity (ROE) | -9.3196% | 6,841 |
| Retained earnings to average equity (ytd only) | -9.3196% | 6,742 |
| Net charge-offs to loans | 2.0412% | 959 |
| Credit loss provision to net charge-offs | 127.0739% | 3,956 |
| Earnings coverage of net charge-offs (x) | 0.2798% | 5,731 |
| Efficiency ratio | 89.9349% | 1,694 |
| Assets per employee ($millions) | 3.4396% | 5,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9573% | 1,898 |
| Loan loss allowance to noncurrent loans | 117.2805% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 1.8670% | 3,559 |
| Noncurrent loans to loans | 1.6689% | 4,143 |
| Net loans and leases to total assets | 75.3641% | 2,144 |
| Net loans and leases to deposits | 83.7931% | 3,684 |
| Net loans and leases to core deposits | 116.0982% | 2,611 |
| Total domestic deposits to total assets | 89.9407% | 787 |
| Equity capital to assets | 9.9094% | 4,204 |
| Core capital (leverage) ratio | 9.6842% | 3,668 |
| Tier 1 risk-based capital ratio | 11.4833% | 5,445 |
| Total risk-based capital ratio | 12.7398% | 5,386 |
| Memoranda: | ||
| Average total assets | $103,419,500 | 5,034 |
| Average earning assets | $96,600,000 | 4,966 |
| Average equity | $11,273,500 | 4,993 |
| Average total loans | $86,615,500 | 4,348 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9855% | 2,240 |
| Cost of funding earning assets | 1.1254% | 7,314 |
| Net interest margin | 4.8600% | 589 |
| Noninterest income to average assets | 0.2945% | 6,151 |
| Noninterest expense to average assets | 4.3417% | 905 |
| Loan and lease loss provision to assets | 1.6936% | 991 |
| Net operating income to assets | -0.5731% | 6,622 |
| Return on assets (ROA) | -0.5731% | 6,632 |
| Pretax return on assets | -1.1838% | 6,929 |
| Return on Equity (ROE) | -5.0897% | 6,618 |
| Retained earnings to average equity (ytd only) | -5.0897% | 6,314 |
| Net charge-offs to loans | 2.1080% | 877 |
| Credit loss provision to net charge-offs | 93.1522% | 4,829 |
| Earnings coverage of net charge-offs (x) | 0.2804% | 5,393 |
| Efficiency ratio | 89.4908% | 1,859 |
| Assets per employee ($millions) | 3.3727% | 5,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 3,712 |
| Loan loss allowance to noncurrent loans | 54.4812% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 2.1663% | 2,979 |
| Noncurrent loans to loans | 2.5726% | 2,819 |
| Net loans and leases to total assets | 83.0271% | 785 |
| Net loans and leases to deposits | 93.3460% | 2,204 |
| Net loans and leases to core deposits | 127.4298% | 1,749 |
| Total domestic deposits to total assets | 88.9455% | 1,292 |
| Equity capital to assets | 10.8842% | 3,033 |
| Core capital (leverage) ratio | 10.9561% | 2,442 |
| Tier 1 risk-based capital ratio | 11.9503% | 4,960 |
| Total risk-based capital ratio | 13.1999% | 4,881 |
| Memoranda: | ||
| Average total assets | $101,203,670 | 5,131 |
| Average earning assets | $94,896,670 | 5,046 |
| Average equity | $11,395,670 | 4,976 |
| Average total loans | $87,285,000 | 4,349 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9214% | 2,693 |
| Cost of funding earning assets | 1.1443% | 7,435 |
| Net interest margin | 4.7771% | 639 |
| Noninterest income to average assets | 0.2733% | 6,244 |
| Noninterest expense to average assets | 4.4530% | 747 |
| Loan and lease loss provision to assets | 3.4443% | 303 |
| Net operating income to assets | -1.8688% | 7,622 |
| Return on assets (ROA) | -1.8688% | 7,624 |
| Pretax return on assets | -3.1107% | 7,780 |
| Return on Equity (ROE) | -16.3108% | 7,650 |
| Retained earnings to average equity (ytd only) | -16.3108% | 7,501 |
| Net charge-offs to loans | 4.2437% | 279 |
| Credit loss provision to net charge-offs | 92.9501% | 3,949 |
| Earnings coverage of net charge-offs (x) | 0.0900% | 4,911 |
| Efficiency ratio | 93.0311% | 1,496 |
| Assets per employee ($millions) | 3.2307% | 5,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 3,489 |
| Loan loss allowance to noncurrent loans | 48.7535% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 2.4443% | 2,345 |
| Noncurrent loans to loans | 2.8760% | 2,270 |
| Net loans and leases to total assets | 83.7971% | 719 |
| Net loans and leases to deposits | 94.6219% | 2,169 |
| Net loans and leases to core deposits | 131.2706% | 1,585 |
| Total domestic deposits to total assets | 88.5600% | 1,452 |
| Equity capital to assets | 10.8161% | 3,165 |
| Core capital (leverage) ratio | 11.3077% | 2,272 |
| Tier 1 risk-based capital ratio | 11.7737% | 5,150 |
| Total risk-based capital ratio | 13.0246% | 5,066 |
| Memoranda: | ||
| Average total assets | $99,528,000 | 5,194 |
| Average earning assets | $94,032,500 | 5,087 |
| Average equity | $11,403,500 | 5,005 |
| Average total loans | $86,906,000 | 4,395 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9975% | 1,134 |
| Cost of funding earning assets | 1.7582% | 7,115 |
| Net interest margin | 5.2393% | 314 |
| Noninterest income to average assets | 0.2906% | 6,383 |
| Noninterest expense to average assets | 4.2919% | 1,055 |
| Loan and lease loss provision to assets | 0.4840% | 2,880 |
| Net operating income to assets | 0.2254% | 5,770 |
| Return on assets (ROA) | 0.2254% | 5,597 |
| Pretax return on assets | 0.4508% | 5,122 |
| Return on Equity (ROE) | 1.7762% | 5,680 |
| Retained earnings to average equity (ytd only) | 1.7762% | 4,136 |
| Net charge-offs to loans | 0.0631% | 5,873 |
| Credit loss provision to net charge-offs | 858.8235% | 511 |
| Earnings coverage of net charge-offs (x) | 16.5882% | 1,836 |
| Efficiency ratio | 82.1142% | 2,288 |
| Assets per employee ($millions) | 3.0862% | 5,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5091% | 2,631 |
| Loan loss allowance to noncurrent loans | 38.0687% | 6,178 |
| Noncurrent assets plus other real estate owned to assets | 3.5611% | 1,240 |
| Noncurrent loans to loans | 3.9640% | 1,247 |
| Net loans and leases to total assets | 88.4795% | 324 |
| Net loans and leases to deposits | 102.1257% | 1,576 |
| Net loans and leases to core deposits | 134.6081% | 1,560 |
| Total domestic deposits to total assets | 86.6378% | 2,124 |
| Equity capital to assets | 12.1508% | 2,190 |
| Core capital (leverage) ratio | 12.0008% | 1,960 |
| Tier 1 risk-based capital ratio | 12.5929% | 4,378 |
| Total risk-based capital ratio | 13.8432% | 4,284 |
| Memoranda: | ||
| Average total assets | $90,496,400 | 5,338 |
| Average earning assets | $85,259,200 | 5,259 |
| Average equity | $11,485,200 | 4,976 |
| Average total loans | $80,832,800 | 4,494 |