Home > Franklin County United Bank > Performance and Condition Ratios
Franklin County United Bank, Performance and Condition Ratios
| 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 | 5.0177% | 574 |
| Cost of funding earning assets | 0.5524% | 1,682 |
| Net interest margin | 4.4653% | 661 |
| Noninterest income to average assets | 0.5555% | 2,877 |
| Noninterest expense to average assets | 3.5669% | 1,053 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6386% | 4,103 |
| Return on assets (ROA) | 0.6386% | 4,243 |
| Pretax return on assets | 1.0176% | 3,525 |
| Return on Equity (ROE) | 5.0307% | 4,502 |
| Retained earnings to average equity (ytd only) | 5.0307% | 2,720 |
| Net charge-offs to loans | -0.0666% | 5,474 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8029% | 1,821 |
| Assets per employee ($millions) | 3.8445% | 4,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9031% | 86 |
| Loan loss allowance to noncurrent loans | 220.0207% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 1.5828% | 1,179 |
| Noncurrent loans to loans | 1.7740% | 1,175 |
| Net loans and leases to total assets | 67.9161% | 2,785 |
| Net loans and leases to deposits | 78.2639% | 3,130 |
| Net loans and leases to core deposits | 80.5032% | 3,415 |
| Total domestic deposits to total assets | 86.7783% | 2,020 |
| Equity capital to assets | 12.8978% | 1,564 |
| Core capital (leverage) ratio | 11.2347% | 2,207 |
| Tier 1 risk-based capital ratio | 16.2182% | 2,540 |
| Total risk-based capital ratio | 17.5135% | 2,468 |
| Memoranda: | ||
| Average total assets | $77,042,000 | 4,873 |
| Average earning assets | $69,514,330 | 4,900 |
| Average equity | $9,780,000 | 4,689 |
| Average total loans | $57,067,330 | 4,434 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0626% | 521 |
| Cost of funding earning assets | 0.5523% | 1,687 |
| Net interest margin | 4.5103% | 597 |
| Noninterest income to average assets | 0.5550% | 2,774 |
| Noninterest expense to average assets | 3.6152% | 999 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6328% | 4,048 |
| Return on assets (ROA) | 0.6328% | 4,165 |
| Pretax return on assets | 1.0062% | 3,458 |
| Return on Equity (ROE) | 5.0250% | 4,475 |
| Retained earnings to average equity (ytd only) | 5.0250% | 2,927 |
| Net charge-offs to loans | -0.1095% | 5,675 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2267% | 1,867 |
| Assets per employee ($millions) | 3.6385% | 4,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6451% | 113 |
| Loan loss allowance to noncurrent loans | 217.4538% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 1.6059% | 1,242 |
| Noncurrent loans to loans | 1.6762% | 1,351 |
| Net loans and leases to total assets | 73.2750% | 1,836 |
| Net loans and leases to deposits | 84.2685% | 2,279 |
| Net loans and leases to core deposits | 86.6848% | 2,688 |
| Total domestic deposits to total assets | 86.9542% | 2,232 |
| Equity capital to assets | 12.8063% | 1,507 |
| Core capital (leverage) ratio | 11.0816% | 2,334 |
| Tier 1 risk-based capital ratio | 14.5960% | 3,344 |
| Total risk-based capital ratio | 15.8875% | 3,261 |
| Memoranda: | ||
| Average total assets | $77,118,500 | 4,917 |
| Average earning assets | $69,530,000 | 4,941 |
| Average equity | $9,711,500 | 4,725 |
| Average total loans | $58,430,500 | 4,427 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9130% | 743 |
| Cost of funding earning assets | 0.6217% | 1,223 |
| Net interest margin | 4.2913% | 976 |
| Noninterest income to average assets | 0.5804% | 2,830 |
| Noninterest expense to average assets | 3.8331% | 830 |
| Loan and lease loss provision to assets | 1.1681% | 67 |
| Net operating income to assets | -0.3492% | 6,004 |
| Return on assets (ROA) | -0.3492% | 6,011 |
| Pretax return on assets | -0.5804% | 6,055 |
| Return on Equity (ROE) | -2.9590% | 6,008 |
| Retained earnings to average equity (ytd only) | -2.9590% | 5,818 |
| Net charge-offs to loans | 2.9613% | 33 |
| Credit loss provision to net charge-offs | 54.6787% | 3,339 |
| Earnings coverage of net charge-offs (x) | 0.2751% | 4,242 |
| Efficiency ratio | 86.7066% | 940 |
| Assets per employee ($millions) | 3.2429% | 5,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5776% | 122 |
| Loan loss allowance to noncurrent loans | 199.6201% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 1.7834% | 1,068 |
| Noncurrent loans to loans | 1.7922% | 1,228 |
| Net loans and leases to total assets | 72.7916% | 1,924 |
| Net loans and leases to deposits | 83.3561% | 2,444 |
| Net loans and leases to core deposits | 85.6860% | 2,817 |
| Total domestic deposits to total assets | 87.3261% | 1,969 |
| Equity capital to assets | 12.3836% | 1,681 |
| Core capital (leverage) ratio | 10.9031% | 2,489 |
| Tier 1 risk-based capital ratio | 14.6020% | 3,381 |
| Total risk-based capital ratio | 15.8953% | 3,283 |
| Memoranda: | ||
| Average total assets | $83,040,000 | 4,810 |
| Average earning assets | $74,313,400 | 4,848 |
| Average equity | $9,800,600 | 4,690 |
| Average total loans | $59,905,200 | 4,381 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8702% | 819 |
| Cost of funding earning assets | 0.6298% | 1,217 |
| Net interest margin | 4.2404% | 1,078 |
| Noninterest income to average assets | -0.1170% | 6,238 |
| Noninterest expense to average assets | 3.6817% | 1,004 |
| Loan and lease loss provision to assets | 0.7430% | 104 |
| Net operating income to assets | -0.4553% | 6,130 |
| Return on assets (ROA) | -0.4553% | 6,135 |
| Pretax return on assets | -0.7525% | 6,163 |
| Return on Equity (ROE) | -3.9018% | 6,123 |
| Retained earnings to average equity (ytd only) | -3.9018% | 5,985 |
| Net charge-offs to loans | 4.0248% | 18 |
| Credit loss provision to net charge-offs | 25.8668% | 3,314 |
| Earnings coverage of net charge-offs (x) | -0.0033% | 3,991 |
| Efficiency ratio | 100.2583% | 297 |
| Assets per employee ($millions) | 3.3979% | 4,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7366% | 327 |
| Loan loss allowance to noncurrent loans | 94.3134% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 4.6291% | 235 |
| Noncurrent loans to loans | 2.9016% | 626 |
| Net loans and leases to total assets | 67.9448% | 2,687 |
| Net loans and leases to deposits | 77.4226% | 3,156 |
| Net loans and leases to core deposits | 79.4690% | 3,468 |
| Total domestic deposits to total assets | 87.7584% | 1,679 |
| Equity capital to assets | 11.8492% | 2,220 |
| Core capital (leverage) ratio | 11.0346% | 2,450 |
| Tier 1 risk-based capital ratio | 15.2149% | 3,183 |
| Total risk-based capital ratio | 16.4881% | 3,108 |
| Memoranda: | ||
| Average total assets | $84,342,750 | 4,842 |
| Average earning assets | $75,367,500 | 4,881 |
| Average equity | $9,841,250 | 4,741 |
| Average total loans | $60,192,750 | 4,420 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7826% | 922 |
| Cost of funding earning assets | 0.6324% | 1,216 |
| Net interest margin | 4.1501% | 1,225 |
| Noninterest income to average assets | 0.2416% | 5,230 |
| Noninterest expense to average assets | 3.5181% | 1,273 |
| Loan and lease loss provision to assets | 0.7623% | 108 |
| Net operating income to assets | -0.1853% | 6,091 |
| Return on assets (ROA) | -0.1853% | 6,119 |
| Pretax return on assets | -0.3143% | 6,144 |
| Return on Equity (ROE) | -1.5959% | 6,109 |
| Retained earnings to average equity (ytd only) | -1.5959% | 5,783 |
| Net charge-offs to loans | 5.1120% | 12 |
| Credit loss provision to net charge-offs | 20.7535% | 3,012 |
| Earnings coverage of net charge-offs (x) | 0.1220% | 3,701 |
| Efficiency ratio | 88.7049% | 855 |
| Assets per employee ($millions) | 3.6317% | 4,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8523% | 315 |
| Loan loss allowance to noncurrent loans | 57.3150% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 5.6746% | 170 |
| Noncurrent loans to loans | 4.9766% | 232 |
| Net loans and leases to total assets | 67.8894% | 2,659 |
| Net loans and leases to deposits | 77.2210% | 3,130 |
| Net loans and leases to core deposits | 80.3355% | 3,353 |
| Total domestic deposits to total assets | 87.9157% | 1,693 |
| Equity capital to assets | 11.7970% | 2,165 |
| Core capital (leverage) ratio | 11.1379% | 2,301 |
| Tier 1 risk-based capital ratio | 15.0579% | 3,326 |
| Total risk-based capital ratio | 16.3317% | 3,251 |
| Memoranda: | ||
| Average total assets | $85,273,670 | 4,869 |
| Average earning assets | $76,528,000 | 4,907 |
| Average equity | $9,900,670 | 4,769 |
| Average total loans | $61,267,670 | 4,430 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8247% | 820 |
| Cost of funding earning assets | 0.6347% | 1,205 |
| Net interest margin | 4.1900% | 1,083 |
| Noninterest income to average assets | 0.4736% | 3,477 |
| Noninterest expense to average assets | 3.5661% | 1,183 |
| Loan and lease loss provision to assets | 1.1608% | 62 |
| Net operating income to assets | -0.2879% | 6,184 |
| Return on assets (ROA) | -0.2879% | 6,202 |
| Pretax return on assets | -0.4829% | 6,240 |
| Return on Equity (ROE) | -2.4990% | 6,196 |
| Retained earnings to average equity (ytd only) | -2.4990% | 5,747 |
| Net charge-offs to loans | 9.8031% | 6 |
| Credit loss provision to net charge-offs | 16.2655% | 2,389 |
| Earnings coverage of net charge-offs (x) | 0.0950% | 3,103 |
| Efficiency ratio | 84.0263% | 1,382 |
| Assets per employee ($millions) | 3.4137% | 5,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6931% | 410 |
| Loan loss allowance to noncurrent loans | 80.5072% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 4.6342% | 280 |
| Noncurrent loans to loans | 3.3452% | 600 |
| Net loans and leases to total assets | 68.5434% | 2,360 |
| Net loans and leases to deposits | 78.0002% | 2,804 |
| Net loans and leases to core deposits | 81.4994% | 3,006 |
| Total domestic deposits to total assets | 87.8760% | 1,897 |
| Equity capital to assets | 11.6073% | 2,371 |
| Core capital (leverage) ratio | 11.0290% | 2,385 |
| Tier 1 risk-based capital ratio | 13.9269% | 4,072 |
| Total risk-based capital ratio | 15.1953% | 3,981 |
| Memoranda: | ||
| Average total assets | $86,145,500 | 4,898 |
| Average earning assets | $77,518,000 | 4,933 |
| Average equity | $9,924,000 | 4,800 |
| Average total loans | $62,715,000 | 4,405 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1830% | 537 |
| Cost of funding earning assets | 0.7415% | 886 |
| Net interest margin | 4.4415% | 829 |
| Noninterest income to average assets | 0.5702% | 3,053 |
| Noninterest expense to average assets | 3.4318% | 1,636 |
| Loan and lease loss provision to assets | 0.2840% | 740 |
| Net operating income to assets | 0.5250% | 4,707 |
| Return on assets (ROA) | 0.5250% | 4,796 |
| Pretax return on assets | 0.8530% | 4,061 |
| Return on Equity (ROE) | 4.6365% | 4,827 |
| Retained earnings to average equity (ytd only) | 4.6365% | 2,869 |
| Net charge-offs to loans | -0.0618% | 5,997 |
| Credit loss provision to net charge-offs | -612.5000% | 5,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1142% | 2,648 |
| Assets per employee ($millions) | 3.6228% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4493% | 97 |
| Loan loss allowance to noncurrent loans | 46.5407% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 7.7092% | 124 |
| Noncurrent loans to loans | 9.5600% | 73 |
| Net loans and leases to total assets | 71.7762% | 1,941 |
| Net loans and leases to deposits | 81.4928% | 2,542 |
| Net loans and leases to core deposits | 85.0593% | 2,777 |
| Total domestic deposits to total assets | 88.0768% | 1,729 |
| Equity capital to assets | 11.4344% | 2,488 |
| Core capital (leverage) ratio | 10.1519% | 3,366 |
| Tier 1 risk-based capital ratio | 13.1474% | 4,623 |
| Total risk-based capital ratio | 14.4365% | 4,524 |
| Memoranda: | ||
| Average total assets | $86,280,800 | 4,920 |
| Average earning assets | $77,677,200 | 4,933 |
| Average equity | $9,770,200 | 4,796 |
| Average total loans | $64,756,800 | 4,340 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2841% | 449 |
| Cost of funding earning assets | 0.7620% | 837 |
| Net interest margin | 4.5221% | 706 |
| Noninterest income to average assets | 0.5620% | 3,122 |
| Noninterest expense to average assets | 3.4821% | 1,500 |
| Loan and lease loss provision to assets | 0.2864% | 704 |
| Net operating income to assets | 0.5249% | 4,775 |
| Return on assets (ROA) | 0.5249% | 4,850 |
| Pretax return on assets | 0.8547% | 4,165 |
| Return on Equity (ROE) | 4.6466% | 4,879 |
| Retained earnings to average equity (ytd only) | 4.6466% | 3,327 |
| Net charge-offs to loans | -0.0619% | 5,989 |
| Credit loss provision to net charge-offs | -616.6667% | 5,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3182% | 2,617 |
| Assets per employee ($millions) | 3.4262% | 5,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3270% | 122 |
| Loan loss allowance to noncurrent loans | 62.1657% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 5.8631% | 242 |
| Noncurrent loans to loans | 6.9604% | 170 |
| Net loans and leases to total assets | 73.2085% | 1,645 |
| Net loans and leases to deposits | 83.0532% | 2,282 |
| Net loans and leases to core deposits | 86.0023% | 2,667 |
| Total domestic deposits to total assets | 88.1465% | 1,689 |
| Equity capital to assets | 11.4577% | 2,522 |
| Core capital (leverage) ratio | 10.0521% | 3,598 |
| Tier 1 risk-based capital ratio | 12.7550% | 5,001 |
| Total risk-based capital ratio | 14.0415% | 4,893 |
| Memoranda: | ||
| Average total assets | $86,114,000 | 4,974 |
| Average earning assets | $77,337,000 | 4,994 |
| Average equity | $9,727,250 | 4,842 |
| Average total loans | $64,617,500 | 4,385 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2688% | 455 |
| Cost of funding earning assets | 0.7808% | 786 |
| Net interest margin | 4.4880% | 724 |
| Noninterest income to average assets | 0.5726% | 2,977 |
| Noninterest expense to average assets | 3.4729% | 1,526 |
| Loan and lease loss provision to assets | 0.2898% | 684 |
| Net operating income to assets | 0.5124% | 4,758 |
| Return on assets (ROA) | 0.5124% | 4,855 |
| Pretax return on assets | 0.8346% | 4,142 |
| Return on Equity (ROE) | 4.5575% | 4,888 |
| Retained earnings to average equity (ytd only) | 4.5575% | 3,265 |
| Net charge-offs to loans | -0.2643% | 6,408 |
| Credit loss provision to net charge-offs | -147.0588% | 5,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5421% | 2,715 |
| Assets per employee ($millions) | 3.3668% | 5,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3055% | 146 |
| Loan loss allowance to noncurrent loans | 61.1315% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 5.8158% | 270 |
| Noncurrent loans to loans | 7.0430% | 172 |
| Net loans and leases to total assets | 71.8805% | 1,767 |
| Net loans and leases to deposits | 81.0725% | 2,380 |
| Net loans and leases to core deposits | 83.8602% | 2,753 |
| Total domestic deposits to total assets | 88.6619% | 1,561 |
| Equity capital to assets | 11.0890% | 2,798 |
| Core capital (leverage) ratio | 9.9977% | 3,611 |
| Tier 1 risk-based capital ratio | 12.5169% | 5,218 |
| Total risk-based capital ratio | 13.8029% | 5,120 |
| Memoranda: | ||
| Average total assets | $86,267,330 | 5,015 |
| Average earning assets | $77,361,000 | 5,034 |
| Average equity | $9,698,330 | 4,865 |
| Average total loans | $64,309,330 | 4,415 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2012% | 482 |
| Cost of funding earning assets | 0.7982% | 754 |
| Net interest margin | 4.4030% | 803 |
| Noninterest income to average assets | 0.5045% | 3,374 |
| Noninterest expense to average assets | 3.4333% | 1,624 |
| Loan and lease loss provision to assets | 0.1868% | 1,278 |
| Net operating income to assets | 0.5092% | 4,643 |
| Return on assets (ROA) | 0.5092% | 4,720 |
| Pretax return on assets | 0.8268% | 3,994 |
| Return on Equity (ROE) | 4.4976% | 4,789 |
| Retained earnings to average equity (ytd only) | 4.4976% | 3,421 |
| Net charge-offs to loans | -0.4278% | 6,527 |
| Credit loss provision to net charge-offs | -58.8235% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2059% | 2,611 |
| Assets per employee ($millions) | 3.4347% | 5,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2612% | 339 |
| Loan loss allowance to noncurrent loans | 44.1722% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 6.0011% | 281 |
| Noncurrent loans to loans | 7.3830% | 198 |
| Net loans and leases to total assets | 71.6122% | 1,631 |
| Net loans and leases to deposits | 81.2269% | 2,134 |
| Net loans and leases to core deposits | 84.5716% | 2,454 |
| Total domestic deposits to total assets | 88.1632% | 2,131 |
| Equity capital to assets | 11.6004% | 2,169 |
| Core capital (leverage) ratio | 10.5148% | 2,909 |
| Tier 1 risk-based capital ratio | 13.2807% | 4,834 |
| Total risk-based capital ratio | 14.5531% | 4,752 |
| Memoranda: | ||
| Average total assets | $85,632,500 | 5,075 |
| Average earning assets | $76,674,500 | 5,097 |
| Average equity | $9,694,000 | 4,891 |
| Average total loans | $63,587,500 | 4,474 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9871% | 939 |
| Cost of funding earning assets | 0.8624% | 898 |
| Net interest margin | 4.1247% | 1,580 |
| Noninterest income to average assets | 0.6616% | 2,749 |
| Noninterest expense to average assets | 3.2541% | 2,266 |
| Loan and lease loss provision to assets | 2.7434% | 21 |
| Net operating income to assets | -0.9990% | 6,610 |
| Return on assets (ROA) | -0.9990% | 6,608 |
| Pretax return on assets | -1.6159% | 6,673 |
| Return on Equity (ROE) | -8.6184% | 6,567 |
| Retained earnings to average equity (ytd only) | -9.0522% | 6,519 |
| Net charge-offs to loans | 5.0804% | 24 |
| Credit loss provision to net charge-offs | 74.8932% | 3,176 |
| Earnings coverage of net charge-offs (x) | 0.3078% | 4,982 |
| Efficiency ratio | 74.2668% | 3,093 |
| Assets per employee ($millions) | 3.5582% | 4,787 |
| Cash dividends to net income (ytd only)* | -5.0336% | 6,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1204% | 185 |
| Loan loss allowance to noncurrent loans | 56.1002% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 6.1126% | 312 |
| Noncurrent loans to loans | 7.3448% | 220 |
| Net loans and leases to total assets | 71.4182% | 1,774 |
| Net loans and leases to deposits | 80.4647% | 2,388 |
| Net loans and leases to core deposits | 83.7611% | 2,702 |
| Total domestic deposits to total assets | 88.7572% | 1,774 |
| Equity capital to assets | 11.0390% | 2,581 |
| Core capital (leverage) ratio | 9.3931% | 4,421 |
| Tier 1 risk-based capital ratio | 12.0968% | 5,561 |
| Total risk-based capital ratio | 13.3799% | 5,477 |
| Memoranda: | ||
| Average total assets | $89,486,800 | 4,991 |
| Average earning assets | $80,708,200 | 5,020 |
| Average equity | $10,373,200 | 4,770 |
| Average total loans | $64,523,000 | 4,461 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0413% | 861 |
| Cost of funding earning assets | 0.8701% | 946 |
| Net interest margin | 4.1712% | 1,420 |
| Noninterest income to average assets | 0.7027% | 2,591 |
| Noninterest expense to average assets | 3.2364% | 2,241 |
| Loan and lease loss provision to assets | 0.4228% | 694 |
| Net operating income to assets | 0.5009% | 4,785 |
| Return on assets (ROA) | 0.5009% | 4,951 |
| Pretax return on assets | 0.8146% | 4,237 |
| Return on Equity (ROE) | 4.2727% | 5,086 |
| Retained earnings to average equity (ytd only) | 3.7072% | 4,059 |
| Net charge-offs to loans | 0.5457% | 1,166 |
| Credit loss provision to net charge-offs | 108.3019% | 2,166 |
| Earnings coverage of net charge-offs (x) | 3.1698% | 3,783 |
| Efficiency ratio | 72.3411% | 3,341 |
| Assets per employee ($millions) | 3.6820% | 4,487 |
| Cash dividends to net income (ytd only)* | 13.2357% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2001% | 99 |
| Loan loss allowance to noncurrent loans | 46.5485% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 9.0464% | 174 |
| Noncurrent loans to loans | 11.1715% | 99 |
| Net loans and leases to total assets | 71.5041% | 1,677 |
| Net loans and leases to deposits | 81.6726% | 2,176 |
| Net loans and leases to core deposits | 85.2505% | 2,498 |
| Total domestic deposits to total assets | 87.5497% | 2,384 |
| Equity capital to assets | 12.0792% | 1,870 |
| Core capital (leverage) ratio | 11.6606% | 1,908 |
| Tier 1 risk-based capital ratio | 14.8712% | 3,833 |
| Total risk-based capital ratio | 16.1677% | 3,756 |
| Memoranda: | ||
| Average total assets | $90,509,250 | 5,023 |
| Average earning assets | $81,829,250 | 5,032 |
| Average equity | $10,609,750 | 4,772 |
| Average total loans | $64,751,250 | 4,496 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0633% | 826 |
| Cost of funding earning assets | 0.8782% | 996 |
| Net interest margin | 4.1850% | 1,315 |
| Noninterest income to average assets | 0.6709% | 2,788 |
| Noninterest expense to average assets | 3.2623% | 2,179 |
| Loan and lease loss provision to assets | 0.3946% | 795 |
| Net operating income to assets | 0.4889% | 4,847 |
| Return on assets (ROA) | 0.4889% | 5,020 |
| Pretax return on assets | 0.7958% | 4,326 |
| Return on Equity (ROE) | 4.2122% | 5,128 |
| Retained earnings to average equity (ytd only) | 3.3622% | 4,179 |
| Net charge-offs to loans | 0.2495% | 2,235 |
| Credit loss provision to net charge-offs | 225.0000% | 1,090 |
| Earnings coverage of net charge-offs (x) | 6.7875% | 2,654 |
| Efficiency ratio | 73.2644% | 3,267 |
| Assets per employee ($millions) | 3.6915% | 4,418 |
| Cash dividends to net income (ytd only)* | 20.1794% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5034% | 85 |
| Loan loss allowance to noncurrent loans | 54.0738% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 8.2407% | 238 |
| Noncurrent loans to loans | 10.1775% | 152 |
| Net loans and leases to total assets | 68.6852% | 2,109 |
| Net loans and leases to deposits | 78.2323% | 2,538 |
| Net loans and leases to core deposits | 81.9459% | 2,806 |
| Total domestic deposits to total assets | 87.7964% | 2,384 |
| Equity capital to assets | 11.9293% | 1,957 |
| Core capital (leverage) ratio | 11.6209% | 1,846 |
| Tier 1 risk-based capital ratio | 15.0718% | 3,731 |
| Total risk-based capital ratio | 16.3702% | 3,662 |
| Memoranda: | ||
| Average total assets | $91,223,330 | 5,029 |
| Average earning assets | $82,437,000 | 5,041 |
| Average equity | $10,588,330 | 4,811 |
| Average total loans | $64,117,670 | 4,531 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0807% | 769 |
| Cost of funding earning assets | 0.8876% | 1,050 |
| Net interest margin | 4.1932% | 1,207 |
| Noninterest income to average assets | 0.5922% | 3,180 |
| Noninterest expense to average assets | 3.1642% | 2,469 |
| Loan and lease loss provision to assets | 0.3890% | 802 |
| Net operating income to assets | 0.5014% | 4,648 |
| Return on assets (ROA) | 0.5014% | 4,800 |
| Pretax return on assets | 0.8170% | 4,106 |
| Return on Equity (ROE) | 4.3782% | 4,911 |
| Retained earnings to average equity (ytd only) | 4.3782% | 3,610 |
| Net charge-offs to loans | 0.4689% | 1,276 |
| Credit loss provision to net charge-offs | 120.0000% | 1,595 |
| Earnings coverage of net charge-offs (x) | 3.7200% | 2,694 |
| Efficiency ratio | 72.4036% | 3,539 |
| Assets per employee ($millions) | 3.5292% | 4,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4204% | 104 |
| Loan loss allowance to noncurrent loans | 58.0564% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 8.3154% | 293 |
| Noncurrent loans to loans | 9.3364% | 246 |
| Net loans and leases to total assets | 65.7774% | 2,413 |
| Net loans and leases to deposits | 74.5707% | 2,843 |
| Net loans and leases to core deposits | 77.9521% | 3,070 |
| Total domestic deposits to total assets | 88.2081% | 2,189 |
| Equity capital to assets | 11.6023% | 2,330 |
| Core capital (leverage) ratio | 11.1265% | 2,156 |
| Tier 1 risk-based capital ratio | 14.8968% | 3,915 |
| Total risk-based capital ratio | 16.1935% | 3,844 |
| Memoranda: | ||
| Average total assets | $92,536,500 | 5,039 |
| Average earning assets | $83,374,000 | 5,056 |
| Average equity | $10,598,000 | 4,860 |
| Average total loans | $63,978,000 | 4,566 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5128% | 605 |
| Cost of funding earning assets | 1.0612% | 1,070 |
| Net interest margin | 4.4516% | 1,042 |
| Noninterest income to average assets | 0.3393% | 5,032 |
| Noninterest expense to average assets | 3.1513% | 2,764 |
| Loan and lease loss provision to assets | 2.0984% | 84 |
| Net operating income to assets | -0.5911% | 6,613 |
| Return on assets (ROA) | -0.5864% | 6,640 |
| Pretax return on assets | -0.9532% | 6,725 |
| Return on Equity (ROE) | -4.8954% | 6,589 |
| Retained earnings to average equity (ytd only) | -6.4445% | 6,499 |
| Net charge-offs to loans | 1.1000% | 958 |
| Credit loss provision to net charge-offs | 274.0997% | 880 |
| Earnings coverage of net charge-offs (x) | 1.4861% | 4,699 |
| Efficiency ratio | 73.4734% | 3,161 |
| Assets per employee ($millions) | 3.4561% | 5,096 |
| Cash dividends to net income (ytd only)* | -31.6456% | 7,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3694% | 106 |
| Loan loss allowance to noncurrent loans | 134.6891% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 4.9681% | 784 |
| Noncurrent loans to loans | 3.9865% | 1,182 |
| Net loans and leases to total assets | 65.0453% | 2,710 |
| Net loans and leases to deposits | 73.5712% | 3,161 |
| Net loans and leases to core deposits | 76.8209% | 3,426 |
| Total domestic deposits to total assets | 88.4113% | 1,960 |
| Equity capital to assets | 11.3058% | 2,626 |
| Core capital (leverage) ratio | 10.7405% | 2,507 |
| Tier 1 risk-based capital ratio | 14.5931% | 3,965 |
| Total risk-based capital ratio | 15.8876% | 3,900 |
| Memoranda: | ||
| Average total assets | $94,310,400 | 4,977 |
| Average earning assets | $83,677,600 | 5,026 |
| Average equity | $11,296,400 | 4,706 |
| Average total loans | $65,635,800 | 4,522 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6570% | 504 |
| Cost of funding earning assets | 1.0903% | 1,100 |
| Net interest margin | 4.5668% | 871 |
| Noninterest income to average assets | 0.5668% | 3,492 |
| Noninterest expense to average assets | 3.1514% | 2,712 |
| Loan and lease loss provision to assets | 0.5076% | 1,205 |
| Net operating income to assets | 0.5809% | 4,475 |
| Return on assets (ROA) | 0.5809% | 4,749 |
| Pretax return on assets | 0.9475% | 3,927 |
| Return on Equity (ROE) | 4.7838% | 4,927 |
| Retained earnings to average equity (ytd only) | 4.7838% | 3,530 |
| Net charge-offs to loans | 0.9816% | 1,083 |
| Credit loss provision to net charge-offs | 74.0741% | 3,793 |
| Earnings coverage of net charge-offs (x) | 2.1235% | 4,205 |
| Efficiency ratio | 68.4114% | 3,982 |
| Assets per employee ($millions) | 3.5181% | 4,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1948% | 599 |
| Loan loss allowance to noncurrent loans | 75.6053% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 4.9764% | 900 |
| Noncurrent loans to loans | 4.2256% | 1,164 |
| Net loans and leases to total assets | 65.7455% | 2,703 |
| Net loans and leases to deposits | 75.3857% | 3,082 |
| Net loans and leases to core deposits | 78.9560% | 3,331 |
| Total domestic deposits to total assets | 87.2122% | 2,550 |
| Equity capital to assets | 12.3467% | 2,001 |
| Core capital (leverage) ratio | 12.1700% | 1,550 |
| Tier 1 risk-based capital ratio | 16.2169% | 3,156 |
| Total risk-based capital ratio | 17.4866% | 3,109 |
| Memoranda: | ||
| Average total assets | $94,559,250 | 5,027 |
| Average earning assets | $83,645,750 | 5,082 |
| Average equity | $11,483,000 | 4,720 |
| Average total loans | $66,009,500 | 4,548 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8277% | 389 |
| Cost of funding earning assets | 1.1251% | 1,110 |
| Net interest margin | 4.7027% | 669 |
| Noninterest income to average assets | 0.5613% | 3,517 |
| Noninterest expense to average assets | 3.1668% | 2,705 |
| Loan and lease loss provision to assets | 0.5084% | 1,233 |
| Net operating income to assets | 0.6228% | 4,263 |
| Return on assets (ROA) | 0.6228% | 4,511 |
| Pretax return on assets | 1.0210% | 3,628 |
| Return on Equity (ROE) | 5.1573% | 4,730 |
| Retained earnings to average equity (ytd only) | 5.1573% | 3,182 |
| Net charge-offs to loans | 0.4781% | 2,155 |
| Credit loss provision to net charge-offs | 150.9434% | 1,831 |
| Earnings coverage of net charge-offs (x) | 4.5409% | 3,048 |
| Efficiency ratio | 67.4335% | 4,250 |
| Assets per employee ($millions) | 3.4996% | 4,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4216% | 530 |
| Loan loss allowance to noncurrent loans | 71.0749% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 5.6314% | 779 |
| Noncurrent loans to loans | 4.8141% | 1,059 |
| Net loans and leases to total assets | 67.7515% | 2,318 |
| Net loans and leases to deposits | 77.4321% | 2,765 |
| Net loans and leases to core deposits | 81.2141% | 3,058 |
| Total domestic deposits to total assets | 87.4979% | 2,474 |
| Equity capital to assets | 12.2460% | 1,968 |
| Core capital (leverage) ratio | 11.9311% | 1,637 |
| Tier 1 risk-based capital ratio | 15.6383% | 3,367 |
| Total risk-based capital ratio | 16.9113% | 3,319 |
| Memoranda: | ||
| Average total assets | $94,416,000 | 5,057 |
| Average earning assets | $83,017,000 | 5,125 |
| Average equity | $11,401,330 | 4,734 |
| Average total loans | $66,508,670 | 4,543 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9995% | 304 |
| Cost of funding earning assets | 1.1530% | 1,167 |
| Net interest margin | 4.8465% | 515 |
| Noninterest income to average assets | 0.4916% | 3,969 |
| Noninterest expense to average assets | 3.1998% | 2,601 |
| Loan and lease loss provision to assets | 0.5086% | 1,188 |
| Net operating income to assets | 0.6061% | 4,322 |
| Return on assets (ROA) | 0.6061% | 4,534 |
| Pretax return on assets | 0.9875% | 3,714 |
| Return on Equity (ROE) | 5.0546% | 4,762 |
| Retained earnings to average equity (ytd only) | 5.0546% | 3,523 |
| Net charge-offs to loans | 0.7625% | 1,341 |
| Credit loss provision to net charge-offs | 94.4882% | 2,467 |
| Earnings coverage of net charge-offs (x) | 2.7795% | 3,068 |
| Efficiency ratio | 68.1408% | 4,144 |
| Assets per employee ($millions) | 3.6468% | 4,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2680% | 637 |
| Loan loss allowance to noncurrent loans | 199.0868% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 3.4171% | 1,681 |
| Noncurrent loans to loans | 1.6415% | 3,637 |
| Net loans and leases to total assets | 68.0546% | 2,105 |
| Net loans and leases to deposits | 77.7193% | 2,568 |
| Net loans and leases to core deposits | 81.2245% | 2,924 |
| Total domestic deposits to total assets | 87.5646% | 2,612 |
| Equity capital to assets | 12.0135% | 2,029 |
| Core capital (leverage) ratio | 11.8894% | 1,652 |
| Tier 1 risk-based capital ratio | 15.0441% | 3,733 |
| Total risk-based capital ratio | 16.3148% | 3,676 |
| Memoranda: | ||
| Average total assets | $94,380,000 | 5,088 |
| Average earning assets | $81,873,000 | 5,194 |
| Average equity | $11,316,500 | 4,759 |
| Average total loans | $66,620,500 | 4,562 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2577% | 274 |
| Cost of funding earning assets | 1.4160% | 967 |
| Net interest margin | 4.8417% | 578 |
| Noninterest income to average assets | 0.3414% | 5,086 |
| Noninterest expense to average assets | 3.1728% | 2,956 |
| Loan and lease loss provision to assets | 0.6115% | 1,689 |
| Net operating income to assets | 0.4525% | 4,631 |
| Return on assets (ROA) | 0.4525% | 4,840 |
| Pretax return on assets | 0.7461% | 4,170 |
| Return on Equity (ROE) | 4.0343% | 4,827 |
| Retained earnings to average equity (ytd only) | 4.0343% | 3,323 |
| Net charge-offs to loans | 1.1318% | 1,506 |
| Credit loss provision to net charge-offs | 76.5306% | 4,621 |
| Earnings coverage of net charge-offs (x) | 1.6990% | 4,501 |
| Efficiency ratio | 70.0337% | 3,953 |
| Assets per employee ($millions) | 3.7577% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2871% | 630 |
| Loan loss allowance to noncurrent loans | 147.6705% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 4.0312% | 1,425 |
| Noncurrent loans to loans | 2.2260% | 2,928 |
| Net loans and leases to total assets | 68.4955% | 2,308 |
| Net loans and leases to deposits | 78.1448% | 2,819 |
| Net loans and leases to core deposits | 81.4269% | 3,261 |
| Total domestic deposits to total assets | 87.6520% | 2,367 |
| Equity capital to assets | 11.9670% | 2,152 |
| Core capital (leverage) ratio | 11.6621% | 1,785 |
| Tier 1 risk-based capital ratio | 14.8863% | 3,709 |
| Total risk-based capital ratio | 16.1570% | 3,665 |
| Memoranda: | ||
| Average total assets | $98,116,200 | 4,945 |
| Average earning assets | $84,887,200 | 5,091 |
| Average equity | $11,005,600 | 4,777 |
| Average total loans | $69,270,600 | 4,521 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3137% | 261 |
| Cost of funding earning assets | 1.4720% | 947 |
| Net interest margin | 4.8418% | 574 |
| Noninterest income to average assets | 0.4088% | 4,604 |
| Noninterest expense to average assets | 3.2082% | 2,805 |
| Loan and lease loss provision to assets | 0.6051% | 1,625 |
| Net operating income to assets | 0.4760% | 4,654 |
| Return on assets (ROA) | 0.4760% | 4,846 |
| Pretax return on assets | 0.7839% | 4,191 |
| Return on Equity (ROE) | 4.3118% | 4,860 |
| Retained earnings to average equity (ytd only) | 4.3118% | 3,662 |
| Net charge-offs to loans | 1.3208% | 1,161 |
| Credit loss provision to net charge-offs | 64.9351% | 4,634 |
| Earnings coverage of net charge-offs (x) | 1.4906% | 4,519 |
| Efficiency ratio | 69.7865% | 3,990 |
| Assets per employee ($millions) | 3.7168% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1594% | 757 |
| Loan loss allowance to noncurrent loans | 265.6679% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 3.5224% | 1,789 |
| Noncurrent loans to loans | 1.1892% | 4,556 |
| Net loans and leases to total assets | 67.4952% | 2,572 |
| Net loans and leases to deposits | 76.8966% | 3,178 |
| Net loans and leases to core deposits | 80.2712% | 3,595 |
| Total domestic deposits to total assets | 87.7740% | 2,178 |
| Equity capital to assets | 11.5845% | 2,607 |
| Core capital (leverage) ratio | 11.2375% | 2,202 |
| Tier 1 risk-based capital ratio | 14.5204% | 3,963 |
| Total risk-based capital ratio | 15.7898% | 3,925 |
| Memoranda: | ||
| Average total assets | $99,159,750 | 4,948 |
| Average earning assets | $85,779,000 | 5,099 |
| Average equity | $10,946,500 | 4,817 |
| Average total loans | $69,955,000 | 4,527 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3664% | 250 |
| Cost of funding earning assets | 1.5338% | 881 |
| Net interest margin | 4.8327% | 576 |
| Noninterest income to average assets | 0.4100% | 4,596 |
| Noninterest expense to average assets | 3.2780% | 2,639 |
| Loan and lease loss provision to assets | 0.6000% | 1,611 |
| Net operating income to assets | 0.4300% | 4,809 |
| Return on assets (ROA) | 0.4300% | 4,959 |
| Pretax return on assets | 0.7100% | 4,350 |
| Return on Equity (ROE) | 3.9581% | 4,959 |
| Retained earnings to average equity (ytd only) | 3.9581% | 3,674 |
| Net charge-offs to loans | 1.9542% | 693 |
| Credit loss provision to net charge-offs | 43.3526% | 4,750 |
| Earnings coverage of net charge-offs (x) | 0.9465% | 4,595 |
| Efficiency ratio | 71.4473% | 3,839 |
| Assets per employee ($millions) | 3.6901% | 4,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8923% | 995 |
| Loan loss allowance to noncurrent loans | 856.7100% | 425 |
| Noncurrent assets plus other real estate owned to assets | 3.2078% | 2,089 |
| Noncurrent loans to loans | 0.3376% | 6,241 |
| Net loans and leases to total assets | 66.6904% | 2,894 |
| Net loans and leases to deposits | 75.3114% | 3,592 |
| Net loans and leases to core deposits | 78.2793% | 4,023 |
| Total domestic deposits to total assets | 88.5529% | 1,819 |
| Equity capital to assets | 11.0487% | 2,906 |
| Core capital (leverage) ratio | 10.9211% | 2,322 |
| Tier 1 risk-based capital ratio | 14.0420% | 4,146 |
| Total risk-based capital ratio | 15.3087% | 4,101 |
| Memoranda: | ||
| Average total assets | $100,000,330 | 4,964 |
| Average earning assets | $86,453,330 | 5,115 |
| Average equity | $10,863,670 | 4,836 |
| Average total loans | $70,822,000 | 4,544 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2836% | 291 |
| Cost of funding earning assets | 1.5963% | 832 |
| Net interest margin | 4.6873% | 731 |
| Noninterest income to average assets | 0.4871% | 3,992 |
| Noninterest expense to average assets | 3.1821% | 2,954 |
| Loan and lease loss provision to assets | 0.5989% | 1,437 |
| Net operating income to assets | 0.4631% | 4,651 |
| Return on assets (ROA) | 0.4631% | 4,732 |
| Pretax return on assets | 0.7626% | 4,042 |
| Return on Equity (ROE) | 4.2997% | 4,747 |
| Retained earnings to average equity (ytd only) | 4.2997% | 3,592 |
| Net charge-offs to loans | 2.1716% | 570 |
| Credit loss provision to net charge-offs | 38.3632% | 3,981 |
| Earnings coverage of net charge-offs (x) | 0.8721% | 3,990 |
| Efficiency ratio | 70.0351% | 4,265 |
| Assets per employee ($millions) | 3.7220% | 4,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9818% | 933 |
| Loan loss allowance to noncurrent loans | 98.2926% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 4.3793% | 1,490 |
| Noncurrent loans to loans | 3.0336% | 2,477 |
| Net loans and leases to total assets | 68.9626% | 2,333 |
| Net loans and leases to deposits | 77.4805% | 3,158 |
| Net loans and leases to core deposits | 80.9541% | 3,609 |
| Total domestic deposits to total assets | 89.0064% | 1,767 |
| Equity capital to assets | 10.7946% | 2,884 |
| Core capital (leverage) ratio | 10.4773% | 2,634 |
| Tier 1 risk-based capital ratio | 13.2433% | 4,625 |
| Total risk-based capital ratio | 14.5110% | 4,588 |
| Memoranda: | ||
| Average total assets | $100,184,500 | 5,000 |
| Average earning assets | $86,701,500 | 5,135 |
| Average equity | $10,791,500 | 4,847 |
| Average total loans | $72,021,000 | 4,544 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3376% | 430 |
| Cost of funding earning assets | 1.8510% | 996 |
| Net interest margin | 4.4865% | 1,253 |
| Noninterest income to average assets | 0.1364% | 6,710 |
| Noninterest expense to average assets | 3.1639% | 3,214 |
| Loan and lease loss provision to assets | 2.9679% | 326 |
| Net operating income to assets | -1.2682% | 6,817 |
| Return on assets (ROA) | -1.2682% | 6,843 |
| Pretax return on assets | -2.0423% | 7,039 |
| Return on Equity (ROE) | -10.8147% | 6,762 |
| Retained earnings to average equity (ytd only) | -10.8147% | 6,703 |
| Net charge-offs to loans | 2.4419% | 773 |
| Credit loss provision to net charge-offs | 162.7147% | 2,134 |
| Earnings coverage of net charge-offs (x) | 0.5075% | 5,607 |
| Efficiency ratio | 77.3660% | 2,814 |
| Assets per employee ($millions) | 3.5669% | 4,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2655% | 694 |
| Loan loss allowance to noncurrent loans | 83.1346% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 4.8051% | 1,353 |
| Noncurrent loans to loans | 3.9279% | 1,858 |
| Net loans and leases to total assets | 70.3256% | 2,456 |
| Net loans and leases to deposits | 78.9366% | 3,350 |
| Net loans and leases to core deposits | 82.2390% | 3,874 |
| Total domestic deposits to total assets | 89.0913% | 1,600 |
| Equity capital to assets | 10.7485% | 2,905 |
| Core capital (leverage) ratio | 10.5798% | 2,481 |
| Tier 1 risk-based capital ratio | 13.2119% | 4,444 |
| Total risk-based capital ratio | 14.4837% | 4,379 |
| Memoranda: | ||
| Average total assets | $98,958,800 | 5,010 |
| Average earning assets | $87,194,200 | 5,108 |
| Average equity | $11,604,600 | 4,712 |
| Average total loans | $73,916,600 | 4,531 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3347% | 472 |
| Cost of funding earning assets | 1.8934% | 1,049 |
| Net interest margin | 4.4413% | 1,394 |
| Noninterest income to average assets | 0.4592% | 4,490 |
| Noninterest expense to average assets | 3.1452% | 3,125 |
| Loan and lease loss provision to assets | 2.0081% | 595 |
| Net operating income to assets | -0.4429% | 6,555 |
| Return on assets (ROA) | -0.4429% | 6,596 |
| Pretax return on assets | -0.7630% | 6,715 |
| Return on Equity (ROE) | -3.6992% | 6,550 |
| Retained earnings to average equity (ytd only) | -3.6992% | 6,425 |
| Net charge-offs to loans | 0.9913% | 2,019 |
| Credit loss provision to net charge-offs | 269.3841% | 1,218 |
| Earnings coverage of net charge-offs (x) | 1.6703% | 4,453 |
| Efficiency ratio | 71.6395% | 3,769 |
| Assets per employee ($millions) | 3.5920% | 4,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9013% | 903 |
| Loan loss allowance to noncurrent loans | 73.6949% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 5.0896% | 1,260 |
| Noncurrent loans to loans | 3.9370% | 1,922 |
| Net loans and leases to total assets | 72.3396% | 2,183 |
| Net loans and leases to deposits | 82.1092% | 3,086 |
| Net loans and leases to core deposits | 85.3324% | 3,755 |
| Total domestic deposits to total assets | 88.1017% | 1,903 |
| Equity capital to assets | 11.6587% | 2,399 |
| Core capital (leverage) ratio | 11.5901% | 1,884 |
| Tier 1 risk-based capital ratio | 14.1038% | 3,762 |
| Total risk-based capital ratio | 15.3710% | 3,726 |
| Memoranda: | ||
| Average total assets | $98,730,000 | 5,089 |
| Average earning assets | $87,389,000 | 5,164 |
| Average equity | $11,822,000 | 4,732 |
| Average total loans | $74,243,750 | 4,591 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2455% | 571 |
| Cost of funding earning assets | 1.9414% | 1,072 |
| Net interest margin | 4.3041% | 1,760 |
| Noninterest income to average assets | 0.4220% | 4,735 |
| Noninterest expense to average assets | 3.1535% | 3,076 |
| Loan and lease loss provision to assets | 3.0312% | 319 |
| Net operating income to assets | -1.1191% | 6,994 |
| Return on assets (ROA) | -1.1191% | 7,009 |
| Pretax return on assets | -1.9304% | 7,217 |
| Return on Equity (ROE) | -9.2627% | 6,938 |
| Retained earnings to average equity (ytd only) | -9.2627% | 6,880 |
| Net charge-offs to loans | 1.2997% | 1,467 |
| Credit loss provision to net charge-offs | 309.1476% | 1,184 |
| Earnings coverage of net charge-offs (x) | 1.1227% | 4,666 |
| Efficiency ratio | 74.1255% | 3,450 |
| Assets per employee ($millions) | 3.5171% | 4,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0170% | 807 |
| Loan loss allowance to noncurrent loans | 68.6965% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 5.5230% | 1,115 |
| Noncurrent loans to loans | 4.3918% | 1,674 |
| Net loans and leases to total assets | 73.2816% | 2,085 |
| Net loans and leases to deposits | 83.1954% | 3,035 |
| Net loans and leases to core deposits | 86.5769% | 3,750 |
| Total domestic deposits to total assets | 88.0838% | 1,954 |
| Equity capital to assets | 11.7040% | 2,277 |
| Core capital (leverage) ratio | 11.6047% | 1,855 |
| Tier 1 risk-based capital ratio | 13.9565% | 3,762 |
| Total risk-based capital ratio | 15.2250% | 3,707 |
| Memoranda: | ||
| Average total assets | $98,114,330 | 5,136 |
| Average earning assets | $87,358,330 | 5,200 |
| Average equity | $11,854,000 | 4,718 |
| Average total loans | $74,014,670 | 4,640 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1126% | 763 |
| Cost of funding earning assets | 1.9875% | 1,137 |
| Net interest margin | 4.1251% | 2,337 |
| Noninterest income to average assets | 0.5759% | 3,451 |
| Noninterest expense to average assets | 3.1981% | 2,871 |
| Loan and lease loss provision to assets | 0.8210% | 1,542 |
| Net operating income to assets | 0.1511% | 5,853 |
| Return on assets (ROA) | 0.1511% | 5,983 |
| Pretax return on assets | 0.2614% | 5,712 |
| Return on Equity (ROE) | 1.2315% | 6,049 |
| Retained earnings to average equity (ytd only) | 1.2315% | 5,323 |
| Net charge-offs to loans | 0.8887% | 1,788 |
| Credit loss provision to net charge-offs | 122.5610% | 2,856 |
| Earnings coverage of net charge-offs (x) | 1.6159% | 3,763 |
| Efficiency ratio | 74.7137% | 3,448 |
| Assets per employee ($millions) | 3.4969% | 5,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7333% | 2,950 |
| Loan loss allowance to noncurrent loans | 35.3169% | 6,026 |
| Noncurrent assets plus other real estate owned to assets | 5.0045% | 1,285 |
| Noncurrent loans to loans | 4.9080% | 1,481 |
| Net loans and leases to total assets | 73.8816% | 1,999 |
| Net loans and leases to deposits | 84.4362% | 2,865 |
| Net loans and leases to core deposits | 87.3153% | 3,705 |
| Total domestic deposits to total assets | 87.5000% | 2,356 |
| Equity capital to assets | 12.2947% | 1,876 |
| Core capital (leverage) ratio | 12.2251% | 1,535 |
| Tier 1 risk-based capital ratio | 14.8930% | 3,157 |
| Total risk-based capital ratio | 16.1467% | 3,118 |
| Memoranda: | ||
| Average total assets | $97,932,000 | 5,210 |
| Average earning assets | $87,949,000 | 5,244 |
| Average equity | $12,018,000 | 4,714 |
| Average total loans | $73,816,000 | 4,723 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8706% | 336 |
| Cost of funding earning assets | 2.4659% | 1,103 |
| Net interest margin | 4.4048% | 1,418 |
| Noninterest income to average assets | 0.6230% | 3,469 |
| Noninterest expense to average assets | 3.3419% | 2,864 |
| Loan and lease loss provision to assets | 1.0852% | 2,103 |
| Net operating income to assets | 0.0810% | 5,263 |
| Return on assets (ROA) | 0.0810% | 5,306 |
| Pretax return on assets | 0.1404% | 5,137 |
| Return on Equity (ROE) | 0.6284% | 5,349 |
| Retained earnings to average equity (ytd only) | -0.3184% | 5,031 |
| Net charge-offs to loans | 0.9693% | 2,467 |
| Credit loss provision to net charge-offs | 147.5771% | 3,179 |
| Earnings coverage of net charge-offs (x) | 1.6667% | 4,492 |
| Efficiency ratio | 73.1678% | 4,061 |
| Assets per employee ($millions) | 3.4983% | 5,002 |
| Cash dividends to net income (ytd only)* | 150.6667% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6739% | 2,991 |
| Loan loss allowance to noncurrent loans | 42.1859% | 5,602 |
| Noncurrent assets plus other real estate owned to assets | 4.1265% | 1,589 |
| Noncurrent loans to loans | 3.9680% | 1,865 |
| Net loans and leases to total assets | 74.2997% | 2,197 |
| Net loans and leases to deposits | 84.8149% | 3,116 |
| Net loans and leases to core deposits | 126.2126% | 1,495 |
| Total domestic deposits to total assets | 87.6021% | 2,173 |
| Equity capital to assets | 12.2489% | 1,878 |
| Core capital (leverage) ratio | 12.1994% | 1,583 |
| Tier 1 risk-based capital ratio | 14.9313% | 2,978 |
| Total risk-based capital ratio | 16.1845% | 2,924 |
| Memoranda: | ||
| Average total assets | $92,611,800 | 5,316 |
| Average earning assets | $82,932,600 | 5,366 |
| Average equity | $11,934,800 | 4,762 |
| Average total loans | $70,256,800 | 4,857 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9771% | 310 |
| Cost of funding earning assets | 2.5542% | 1,146 |
| Net interest margin | 4.4229% | 1,387 |
| Noninterest income to average assets | 0.6281% | 3,511 |
| Noninterest expense to average assets | 3.3801% | 2,632 |
| Loan and lease loss provision to assets | 0.6135% | 2,938 |
| Net operating income to assets | 0.3477% | 4,609 |
| Return on assets (ROA) | 0.3477% | 4,708 |
| Pretax return on assets | 0.5931% | 4,202 |
| Return on Equity (ROE) | 2.6624% | 4,932 |
| Retained earnings to average equity (ytd only) | 1.3983% | 4,536 |
| Net charge-offs to loans | 0.5924% | 2,900 |
| Credit loss provision to net charge-offs | 136.3636% | 3,635 |
| Earnings coverage of net charge-offs (x) | 2.6818% | 3,889 |
| Efficiency ratio | 73.6943% | 3,920 |
| Assets per employee ($millions) | 3.4111% | 5,141 |
| Cash dividends to net income (ytd only)* | 47.4774% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 4,083 |
| Loan loss allowance to noncurrent loans | 53.5454% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 2.6960% | 2,586 |
| Noncurrent loans to loans | 2.5687% | 2,935 |
| Net loans and leases to total assets | 77.1024% | 1,766 |
| Net loans and leases to deposits | 88.7884% | 2,824 |
| Net loans and leases to core deposits | 131.5388% | 1,346 |
| Total domestic deposits to total assets | 86.8383% | 2,264 |
| Equity capital to assets | 12.7994% | 1,785 |
| Core capital (leverage) ratio | 12.8076% | 1,443 |
| Tier 1 risk-based capital ratio | 15.2492% | 2,930 |
| Total risk-based capital ratio | 16.4994% | 2,873 |
| Memoranda: | ||
| Average total assets | $91,276,750 | 5,386 |
| Average earning assets | $81,693,250 | 5,431 |
| Average equity | $11,919,000 | 4,817 |
| Average total loans | $69,316,750 | 4,938 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0837% | 274 |
| Cost of funding earning assets | 2.6617% | 1,135 |
| Net interest margin | 4.4220% | 1,358 |
| Noninterest income to average assets | 0.6209% | 3,536 |
| Noninterest expense to average assets | 3.4496% | 2,493 |
| Loan and lease loss provision to assets | 0.5341% | 2,893 |
| Net operating income to assets | 0.3383% | 4,725 |
| Return on assets (ROA) | 0.3383% | 4,838 |
| Pretax return on assets | 0.5786% | 4,376 |
| Return on Equity (ROE) | 2.5726% | 5,069 |
| Retained earnings to average equity (ytd only) | 0.6601% | 4,924 |
| Net charge-offs to loans | 0.1273% | 4,894 |
| Credit loss provision to net charge-offs | 558.1395% | 831 |
| Earnings coverage of net charge-offs (x) | 11.6279% | 1,886 |
| Efficiency ratio | 75.6098% | 3,761 |
| Assets per employee ($millions) | 3.3231% | 5,254 |
| Cash dividends to net income (ytd only)* | 74.3421% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6133% | 2,681 |
| Loan loss allowance to noncurrent loans | 132.8554% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 1.6272% | 3,771 |
| Noncurrent loans to loans | 1.2143% | 4,787 |
| Net loans and leases to total assets | 72.8833% | 2,980 |
| Net loans and leases to deposits | 84.1127% | 3,859 |
| Net loans and leases to core deposits | 126.5064% | 1,820 |
| Total domestic deposits to total assets | 86.6496% | 2,430 |
| Equity capital to assets | 12.9936% | 1,693 |
| Core capital (leverage) ratio | 13.2224% | 1,355 |
| Tier 1 risk-based capital ratio | 16.1932% | 2,550 |
| Total risk-based capital ratio | 17.4291% | 2,504 |
| Memoranda: | ||
| Average total assets | $89,865,000 | 5,464 |
| Average earning assets | $80,099,330 | 5,525 |
| Average equity | $11,817,000 | 4,865 |
| Average total loans | $67,532,670 | 5,043 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0429% | 311 |
| Cost of funding earning assets | 2.7313% | 1,168 |
| Net interest margin | 4.3116% | 1,573 |
| Noninterest income to average assets | 0.6389% | 3,283 |
| Noninterest expense to average assets | 3.5480% | 1,979 |
| Loan and lease loss provision to assets | 0.4758% | 2,571 |
| Net operating income to assets | 0.2809% | 5,367 |
| Return on assets (ROA) | 0.2809% | 5,537 |
| Pretax return on assets | 0.4849% | 5,123 |
| Return on Equity (ROE) | 2.1232% | 5,728 |
| Retained earnings to average equity (ytd only) | -1.7465% | 6,047 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6935% | 3,049 |
| Assets per employee ($millions) | 3.3000% | 5,324 |
| Cash dividends to net income (ytd only)* | 182.2581% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 2,957 |
| Loan loss allowance to noncurrent loans | 102.7190% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 2.2648% | 2,532 |
| Noncurrent loans to loans | 1.4653% | 4,105 |
| Net loans and leases to total assets | 74.9150% | 2,522 |
| Net loans and leases to deposits | 86.4458% | 3,558 |
| Net loans and leases to core deposits | 132.6247% | 1,496 |
| Total domestic deposits to total assets | 86.6612% | 2,376 |
| Equity capital to assets | 13.1110% | 1,696 |
| Core capital (leverage) ratio | 13.0484% | 1,468 |
| Tier 1 risk-based capital ratio | 15.6700% | 2,795 |
| Total risk-based capital ratio | 16.9221% | 2,730 |
| Memoranda: | ||
| Average total assets | $88,274,500 | 5,549 |
| Average earning assets | $79,229,000 | 5,578 |
| Average equity | $11,680,500 | 4,931 |
| Average total loans | $66,835,500 | 5,100 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4929% | 415 |
| Cost of funding earning assets | 3.3012% | 928 |
| Net interest margin | 4.1917% | 2,344 |
| Noninterest income to average assets | 0.5929% | 3,892 |
| Noninterest expense to average assets | 3.3001% | 2,957 |
| Loan and lease loss provision to assets | 0.5720% | 2,534 |
| Net operating income to assets | 0.3346% | 5,421 |
| Return on assets (ROA) | 0.3346% | 5,241 |
| Pretax return on assets | 0.5581% | 4,823 |
| Return on Equity (ROE) | 2.5440% | 5,402 |
| Retained earnings to average equity (ytd only) | 2.5440% | 3,621 |
| Net charge-offs to loans | 0.5336% | 2,228 |
| Credit loss provision to net charge-offs | 143.1884% | 3,693 |
| Earnings coverage of net charge-offs (x) | 2.8290% | 4,660 |
| Efficiency ratio | 74.4903% | 3,495 |
| Assets per employee ($millions) | 3.2388% | 5,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3884% | 3,264 |
| Loan loss allowance to noncurrent loans | 102.2346% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 2.0721% | 2,377 |
| Noncurrent loans to loans | 1.3581% | 3,803 |
| Net loans and leases to total assets | 74.3139% | 3,030 |
| Net loans and leases to deposits | 86.0411% | 4,112 |
| Net loans and leases to core deposits | 132.9446% | 1,657 |
| Total domestic deposits to total assets | 86.3702% | 2,230 |
| Equity capital to assets | 13.3554% | 1,649 |
| Core capital (leverage) ratio | 13.0754% | 1,523 |
| Tier 1 risk-based capital ratio | 16.0259% | 2,658 |
| Total risk-based capital ratio | 17.2768% | 2,600 |
| Memoranda: | ||
| Average total assets | $86,360,800 | 5,467 |
| Average earning assets | $79,061,800 | 5,463 |
| Average equity | $11,360,000 | 5,017 |
| Average total loans | $64,655,400 | 5,069 |