Home > Kenney Bank and Trust > Performance and Condition Ratios
Kenney Bank and Trust, Performance and Condition Ratios
| 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 | 2.5591% | 6,134 |
| Cost of funding earning assets | 0.2220% | 5,236 |
| Net interest margin | 2.3371% | 6,077 |
| Noninterest income to average assets | 1.9462% | 387 |
| Noninterest expense to average assets | 5.5545% | 217 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -1.5043% | 6,290 |
| Return on assets (ROA) | -1.5043% | 6,288 |
| Pretax return on assets | -1.5043% | 6,283 |
| Return on Equity (ROE) | -3.9345% | 6,174 |
| Retained earnings to average equity (ytd only) | -3.9345% | 5,973 |
| 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 | 137.1429% | 63 |
| Assets per employee ($millions) | 2.4309% | 6,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3238% | 6,203 |
| Loan loss allowance to noncurrent loans | 11.8644% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 1.0402% | 2,427 |
| Noncurrent loans to loans | 2.7294% | 785 |
| Net loans and leases to total assets | 37.9878% | 5,740 |
| Net loans and leases to deposits | 68.5836% | 4,076 |
| Net loans and leases to core deposits | 68.5836% | 4,451 |
| Total domestic deposits to total assets | 55.3890% | 6,274 |
| Equity capital to assets | 42.2367% | 44 |
| Core capital (leverage) ratio | 35.5610% | 53 |
| Tier 1 risk-based capital ratio | 74.7283% | 64 |
| Total risk-based capital ratio | 74.9565% | 66 |
| Memoranda: | ||
| Average total assets | $19,011,670 | 6,269 |
| Average earning assets | $17,115,330 | 6,253 |
| Average equity | $7,269,000 | 5,302 |
| Average total loans | $7,105,000 | 6,240 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1751% | 6,313 |
| Cost of funding earning assets | 0.1864% | 5,632 |
| Net interest margin | 1.9887% | 6,277 |
| Noninterest income to average assets | 1.8391% | 403 |
| Noninterest expense to average assets | 4.5378% | 420 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.7796% | 6,295 |
| Return on assets (ROA) | -0.7796% | 6,300 |
| Pretax return on assets | -0.7796% | 6,288 |
| Return on Equity (ROE) | -2.1341% | 6,177 |
| Retained earnings to average equity (ytd only) | -2.1341% | 5,701 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.7447% | 125 |
| Assets per employee ($millions) | 2.1038% | 6,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3086% | 6,290 |
| Loan loss allowance to noncurrent loans | 11.6022% | 5,788 |
| Noncurrent assets plus other real estate owned to assets | 1.0755% | 2,465 |
| Noncurrent loans to loans | 2.6602% | 892 |
| Net loans and leases to total assets | 40.3030% | 5,583 |
| Net loans and leases to deposits | 74.0260% | 3,307 |
| Net loans and leases to core deposits | 74.0260% | 3,772 |
| Total domestic deposits to total assets | 54.4444% | 6,350 |
| Equity capital to assets | 43.3214% | 45 |
| Core capital (leverage) ratio | 35.7604% | 55 |
| Tier 1 risk-based capital ratio | 121.6489% | 44 |
| Total risk-based capital ratio | 122.0150% | 46 |
| Memoranda: | ||
| Average total assets | $20,009,500 | 6,323 |
| Average earning assets | $19,309,500 | 6,293 |
| Average equity | $7,310,000 | 5,342 |
| Average total loans | $7,415,000 | 6,300 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0778% | 6,413 |
| Cost of funding earning assets | 0.1666% | 6,002 |
| Net interest margin | 1.9112% | 6,388 |
| Noninterest income to average assets | 1.8610% | 383 |
| Noninterest expense to average assets | 6.6699% | 153 |
| Loan and lease loss provision to assets | 2.0344% | 25 |
| Net operating income to assets | -5.0318% | 6,496 |
| Return on assets (ROA) | -5.0628% | 6,496 |
| Pretax return on assets | -5.0628% | 6,497 |
| Return on Equity (ROE) | -19.8784% | 6,439 |
| Retained earnings to average equity (ytd only) | -19.8784% | 6,422 |
| Net charge-offs to loans | 8.0393% | 4 |
| Credit loss provision to net charge-offs | 62.9310% | 3,238 |
| Earnings coverage of net charge-offs (x) | -0.9272% | 4,794 |
| Efficiency ratio | 143.7605% | 60 |
| Assets per employee ($millions) | 2.8986% | 5,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2616% | 6,394 |
| Loan loss allowance to noncurrent loans | 11.4130% | 5,908 |
| Noncurrent assets plus other real estate owned to assets | 0.7935% | 3,221 |
| Noncurrent loans to loans | 2.2925% | 1,139 |
| Net loans and leases to total assets | 34.5207% | 6,018 |
| Net loans and leases to deposits | 52.0413% | 5,477 |
| Net loans and leases to core deposits | 52.0413% | 5,611 |
| Total domestic deposits to total assets | 66.3332% | 6,318 |
| Equity capital to assets | 31.6055% | 64 |
| Core capital (leverage) ratio | 30.8866% | 64 |
| Tier 1 risk-based capital ratio | 101.9567% | 43 |
| Total risk-based capital ratio | 102.2481% | 43 |
| Memoranda: | ||
| Average total assets | $32,294,400 | 6,210 |
| Average earning assets | $30,609,400 | 6,172 |
| Average equity | $8,225,000 | 5,143 |
| Average total loans | $12,986,200 | 6,227 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0992% | 6,493 |
| Cost of funding earning assets | 0.1634% | 6,107 |
| Net interest margin | 1.9358% | 6,463 |
| Noninterest income to average assets | 2.0325% | 334 |
| Noninterest expense to average assets | 7.2275% | 135 |
| Loan and lease loss provision to assets | 2.5339% | 22 |
| Net operating income to assets | -5.9008% | 6,580 |
| Return on assets (ROA) | -5.9394% | 6,582 |
| Pretax return on assets | -5.9394% | 6,582 |
| Return on Equity (ROE) | -24.3020% | 6,525 |
| Retained earnings to average equity (ytd only) | -24.3020% | 6,511 |
| Net charge-offs to loans | 9.7845% | 2 |
| Credit loss provision to net charge-offs | 62.9310% | 2,890 |
| Earnings coverage of net charge-offs (x) | -0.8362% | 4,522 |
| Efficiency ratio | 142.3576% | 70 |
| Assets per employee ($millions) | 3.1721% | 5,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2219% | 6,487 |
| Loan loss allowance to noncurrent loans | 11.2299% | 6,019 |
| Noncurrent assets plus other real estate owned to assets | 3.2195% | 701 |
| Noncurrent loans to loans | 1.9763% | 1,615 |
| Net loans and leases to total assets | 37.2030% | 5,981 |
| Net loans and leases to deposits | 61.2098% | 4,824 |
| Net loans and leases to core deposits | 61.2098% | 5,100 |
| Total domestic deposits to total assets | 60.7794% | 6,480 |
| Equity capital to assets | 29.2588% | 69 |
| Core capital (leverage) ratio | 24.6774% | 91 |
| Tier 1 risk-based capital ratio | 75.1506% | 63 |
| Total risk-based capital ratio | 75.3724% | 65 |
| Memoranda: | ||
| Average total assets | $34,570,750 | 6,239 |
| Average earning assets | $32,647,250 | 6,201 |
| Average equity | $8,449,000 | 5,141 |
| Average total loans | $14,226,250 | 6,252 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0344% | 6,568 |
| Cost of funding earning assets | 0.1625% | 6,175 |
| Net interest margin | 1.8719% | 6,542 |
| Noninterest income to average assets | 2.3063% | 276 |
| Noninterest expense to average assets | 6.9137% | 140 |
| Loan and lease loss provision to assets | -0.0638% | 6,323 |
| Net operating income to assets | -2.7687% | 6,622 |
| Return on assets (ROA) | -2.8218% | 6,624 |
| Pretax return on assets | -2.8218% | 6,621 |
| Return on Equity (ROE) | -12.0815% | 6,532 |
| Retained earnings to average equity (ytd only) | -12.0815% | 6,456 |
| Net charge-offs to loans | 0.8853% | 413 |
| Credit loss provision to net charge-offs | -17.1429% | 5,097 |
| Earnings coverage of net charge-offs (x) | -7.6143% | 4,305 |
| Efficiency ratio | 110.9375% | 217 |
| Assets per employee ($millions) | 2.9393% | 5,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5248% | 687 |
| Loan loss allowance to noncurrent loans | 171.5789% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 2.5362% | 1,108 |
| Noncurrent loans to loans | 1.4715% | 2,351 |
| Net loans and leases to total assets | 38.9274% | 5,897 |
| Net loans and leases to deposits | 58.2550% | 5,017 |
| Net loans and leases to core deposits | 58.2550% | 5,256 |
| Total domestic deposits to total assets | 66.8223% | 6,458 |
| Equity capital to assets | 26.0856% | 81 |
| Core capital (leverage) ratio | 24.6889% | 88 |
| Tier 1 risk-based capital ratio | 69.8455% | 70 |
| Total risk-based capital ratio | 71.1098% | 70 |
| Memoranda: | ||
| Average total assets | $37,635,330 | 6,224 |
| Average earning assets | $35,686,000 | 6,176 |
| Average equity | $8,790,330 | 5,085 |
| Average total loans | $15,814,330 | 6,256 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1502% | 6,630 |
| Cost of funding earning assets | 0.1774% | 6,186 |
| Net interest margin | 1.9727% | 6,595 |
| Noninterest income to average assets | 2.1148% | 303 |
| Noninterest expense to average assets | 3.9616% | 793 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0263% | 6,174 |
| Return on assets (ROA) | 0.0695% | 6,113 |
| Pretax return on assets | 0.0794% | 6,107 |
| Return on Equity (ROE) | 0.3122% | 6,180 |
| Retained earnings to average equity (ytd only) | 0.3122% | 5,447 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2537% | 492 |
| Assets per employee ($millions) | 3.1367% | 5,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4163% | 894 |
| Loan loss allowance to noncurrent loans | 45.6376% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 2.7098% | 1,124 |
| Noncurrent loans to loans | 5.2946% | 394 |
| Net loans and leases to total assets | 47.7539% | 5,160 |
| Net loans and leases to deposits | 70.7107% | 3,512 |
| Net loans and leases to core deposits | 70.7107% | 4,014 |
| Total domestic deposits to total assets | 67.5342% | 6,527 |
| Equity capital to assets | 26.0028% | 86 |
| Core capital (leverage) ratio | 21.7948% | 139 |
| Tier 1 risk-based capital ratio | 53.7585% | 114 |
| Total risk-based capital ratio | 55.0239% | 111 |
| Memoranda: | ||
| Average total assets | $40,287,000 | 6,226 |
| Average earning assets | $38,322,500 | 6,155 |
| Average equity | $8,968,500 | 5,060 |
| Average total loans | $17,265,500 | 6,247 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7544% | 6,731 |
| Cost of funding earning assets | 0.1837% | 6,373 |
| Net interest margin | 1.5708% | 6,714 |
| Noninterest income to average assets | 1.8042% | 459 |
| Noninterest expense to average assets | 3.2610% | 2,247 |
| Loan and lease loss provision to assets | 0.0168% | 4,796 |
| Net operating income to assets | 0.0214% | 6,178 |
| Return on assets (ROA) | 0.0117% | 6,234 |
| Pretax return on assets | 0.0185% | 6,203 |
| Return on Equity (ROE) | 0.0782% | 6,242 |
| Retained earnings to average equity (ytd only) | 0.0782% | 5,818 |
| Net charge-offs to loans | 0.3148% | 2,110 |
| Credit loss provision to net charge-offs | 16.9492% | 4,500 |
| Earnings coverage of net charge-offs (x) | 0.5085% | 4,910 |
| Efficiency ratio | 98.4795% | 530 |
| Assets per employee ($millions) | 3.8392% | 4,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3121% | 1,028 |
| Loan loss allowance to noncurrent loans | 41.3793% | 5,594 |
| Noncurrent assets plus other real estate owned to assets | 2.2857% | 1,546 |
| Noncurrent loans to loans | 5.5877% | 398 |
| Net loans and leases to total assets | 37.4170% | 6,134 |
| Net loans and leases to deposits | 46.8959% | 5,956 |
| Net loans and leases to core deposits | 46.8959% | 6,100 |
| Total domestic deposits to total assets | 79.7873% | 5,498 |
| Equity capital to assets | 19.4595% | 237 |
| Core capital (leverage) ratio | 17.2038% | 351 |
| Tier 1 risk-based capital ratio | 49.6797% | 136 |
| Total risk-based capital ratio | 50.9434% | 135 |
| Memoranda: | ||
| Average total assets | $59,583,000 | 5,769 |
| Average earning assets | $57,169,800 | 5,676 |
| Average equity | $8,956,800 | 5,089 |
| Average total loans | $18,740,600 | 6,263 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7278% | 6,814 |
| Cost of funding earning assets | 0.1831% | 6,484 |
| Net interest margin | 1.5447% | 6,804 |
| Noninterest income to average assets | 1.7725% | 495 |
| Noninterest expense to average assets | 3.1849% | 2,409 |
| Loan and lease loss provision to assets | 0.0212% | 4,577 |
| Net operating income to assets | 0.0402% | 6,232 |
| Return on assets (ROA) | 0.0402% | 6,287 |
| Pretax return on assets | 0.0487% | 6,261 |
| Return on Equity (ROE) | 0.2829% | 6,315 |
| Retained earnings to average equity (ytd only) | 0.2829% | 5,856 |
| Net charge-offs to loans | 0.0911% | 3,658 |
| Credit loss provision to net charge-offs | 76.9231% | 2,917 |
| Earnings coverage of net charge-offs (x) | 2.5389% | 3,987 |
| Efficiency ratio | 97.8530% | 533 |
| Assets per employee ($millions) | 4.9036% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4486% | 991 |
| Loan loss allowance to noncurrent loans | 43.5283% | 5,500 |
| Noncurrent assets plus other real estate owned to assets | 1.7725% | 2,312 |
| Noncurrent loans to loans | 5.6254% | 475 |
| Net loans and leases to total assets | 30.7377% | 6,507 |
| Net loans and leases to deposits | 36.5018% | 6,489 |
| Net loans and leases to core deposits | 36.5018% | 6,547 |
| Total domestic deposits to total assets | 84.2088% | 4,109 |
| Equity capital to assets | 15.2406% | 675 |
| Core capital (leverage) ratio | 14.9889% | 644 |
| Tier 1 risk-based capital ratio | 46.2551% | 160 |
| Total risk-based capital ratio | 47.5179% | 161 |
| Memoranda: | ||
| Average total assets | $62,961,250 | 5,741 |
| Average earning assets | $60,421,500 | 5,638 |
| Average equity | $8,954,750 | 5,147 |
| Average total loans | $19,014,250 | 6,315 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7230% | 6,866 |
| Cost of funding earning assets | 0.1846% | 6,549 |
| Net interest margin | 1.5384% | 6,851 |
| Noninterest income to average assets | 1.7907% | 519 |
| Noninterest expense to average assets | 3.1741% | 2,430 |
| Loan and lease loss provision to assets | 0.0311% | 4,308 |
| Net operating income to assets | 0.0497% | 6,244 |
| Return on assets (ROA) | 0.0497% | 6,320 |
| Pretax return on assets | 0.0622% | 6,288 |
| Return on Equity (ROE) | 0.3575% | 6,330 |
| Retained earnings to average equity (ytd only) | 0.3575% | 5,751 |
| Net charge-offs to loans | 0.1356% | 3,019 |
| Credit loss provision to net charge-offs | 76.9231% | 2,684 |
| Earnings coverage of net charge-offs (x) | 2.3077% | 3,757 |
| Efficiency ratio | 97.1456% | 611 |
| Assets per employee ($millions) | 3.4157% | 5,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3531% | 1,167 |
| Loan loss allowance to noncurrent loans | 43.1149% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 2.0552% | 2,105 |
| Noncurrent loans to loans | 5.4577% | 562 |
| Net loans and leases to total assets | 36.7717% | 6,252 |
| Net loans and leases to deposits | 47.1283% | 6,040 |
| Net loans and leases to core deposits | 47.1283% | 6,171 |
| Total domestic deposits to total assets | 78.0248% | 5,974 |
| Equity capital to assets | 17.4705% | 371 |
| Core capital (leverage) ratio | 13.6392% | 927 |
| Tier 1 risk-based capital ratio | 42.9003% | 198 |
| Total risk-based capital ratio | 44.1481% | 197 |
| Memoranda: | ||
| Average total assets | $64,334,000 | 5,741 |
| Average earning assets | $61,754,330 | 5,643 |
| Average equity | $8,950,330 | 5,183 |
| Average total loans | $19,172,000 | 6,350 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5371% | 6,962 |
| Cost of funding earning assets | 0.1819% | 6,663 |
| Net interest margin | 1.3552% | 6,948 |
| Noninterest income to average assets | 1.5518% | 639 |
| Noninterest expense to average assets | 2.9287% | 3,236 |
| Loan and lease loss provision to assets | 0.0056% | 4,366 |
| Net operating income to assets | -0.0790% | 6,421 |
| Return on assets (ROA) | -0.0790% | 6,475 |
| Pretax return on assets | -0.0790% | 6,469 |
| Return on Equity (ROE) | -0.6257% | 6,471 |
| Retained earnings to average equity (ytd only) | -0.6257% | 5,899 |
| Net charge-offs to loans | 0.2302% | 2,063 |
| Credit loss provision to net charge-offs | 9.0909% | 3,155 |
| Earnings coverage of net charge-offs (x) | -1.1818% | 3,978 |
| Efficiency ratio | 102.5692% | 469 |
| Assets per employee ($millions) | 4.2825% | 3,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3223% | 1,375 |
| Loan loss allowance to noncurrent loans | 41.8148% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 1.7830% | 2,626 |
| Noncurrent loans to loans | 5.5538% | 641 |
| Net loans and leases to total assets | 31.3585% | 6,544 |
| Net loans and leases to deposits | 37.1187% | 6,537 |
| Net loans and leases to core deposits | 37.1187% | 6,593 |
| Total domestic deposits to total assets | 84.4817% | 4,272 |
| Equity capital to assets | 14.9162% | 776 |
| Core capital (leverage) ratio | 12.5359% | 1,321 |
| Tier 1 risk-based capital ratio | 46.4922% | 155 |
| Total risk-based capital ratio | 47.7543% | 156 |
| Memoranda: | ||
| Average total assets | $70,883,500 | 5,599 |
| Average earning assets | $68,182,500 | 5,488 |
| Average equity | $8,950,000 | 5,230 |
| Average total loans | $19,111,000 | 6,407 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7298% | 7,011 |
| Cost of funding earning assets | 0.1947% | 6,849 |
| Net interest margin | 1.5351% | 6,992 |
| Noninterest income to average assets | 1.7878% | 517 |
| Noninterest expense to average assets | 2.9504% | 3,464 |
| Loan and lease loss provision to assets | 0.0851% | 4,639 |
| Net operating income to assets | 0.1262% | 5,954 |
| Return on assets (ROA) | 0.1262% | 6,099 |
| Pretax return on assets | 0.1829% | 6,016 |
| Return on Equity (ROE) | 0.9962% | 6,135 |
| Retained earnings to average equity (ytd only) | 0.9962% | 5,379 |
| Net charge-offs to loans | 1.2670% | 773 |
| Credit loss provision to net charge-offs | 25.0000% | 5,201 |
| Earnings coverage of net charge-offs (x) | 0.7875% | 5,081 |
| Efficiency ratio | 91.6740% | 943 |
| Assets per employee ($millions) | 5.4541% | 1,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4086% | 1,219 |
| Loan loss allowance to noncurrent loans | 42.3540% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 1.3189% | 3,442 |
| Noncurrent loans to loans | 5.6867% | 633 |
| Net loans and leases to total assets | 22.6336% | 6,883 |
| Net loans and leases to deposits | 25.5400% | 6,906 |
| Net loans and leases to core deposits | 25.5400% | 6,913 |
| Total domestic deposits to total assets | 88.6203% | 1,825 |
| Equity capital to assets | 10.9483% | 3,012 |
| Core capital (leverage) ratio | 12.4334% | 1,349 |
| Tier 1 risk-based capital ratio | 45.6347% | 166 |
| Total risk-based capital ratio | 46.9041% | 167 |
| Memoranda: | ||
| Average total assets | $70,533,200 | 5,616 |
| Average earning assets | $65,729,000 | 5,561 |
| Average equity | $8,933,800 | 5,243 |
| Average total loans | $18,942,400 | 6,468 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8395% | 7,114 |
| Cost of funding earning assets | 0.2051% | 6,940 |
| Net interest margin | 1.6344% | 7,096 |
| Noninterest income to average assets | 1.9592% | 432 |
| Noninterest expense to average assets | 3.0677% | 2,986 |
| Loan and lease loss provision to assets | 0.1181% | 4,073 |
| Net operating income to assets | 0.1792% | 5,967 |
| Return on assets (ROA) | 0.1792% | 6,123 |
| Pretax return on assets | 0.2796% | 5,995 |
| Return on Equity (ROE) | 1.3590% | 6,181 |
| Retained earnings to average equity (ytd only) | 1.3590% | 5,630 |
| Net charge-offs to loans | 1.6971% | 482 |
| Credit loss provision to net charge-offs | 24.8963% | 4,886 |
| Earnings coverage of net charge-offs (x) | 0.8382% | 4,910 |
| Efficiency ratio | 88.5227% | 1,143 |
| Assets per employee ($millions) | 3.3964% | 5,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4096% | 1,344 |
| Loan loss allowance to noncurrent loans | 41.6438% | 5,558 |
| Noncurrent assets plus other real estate owned to assets | 2.0150% | 2,617 |
| Noncurrent loans to loans | 5.7863% | 723 |
| Net loans and leases to total assets | 33.9848% | 6,655 |
| Net loans and leases to deposits | 41.2278% | 6,635 |
| Net loans and leases to core deposits | 41.2278% | 6,694 |
| Total domestic deposits to total assets | 82.4316% | 4,860 |
| Equity capital to assets | 16.4808% | 529 |
| Core capital (leverage) ratio | 12.7195% | 1,307 |
| Tier 1 risk-based capital ratio | 44.8104% | 177 |
| Total risk-based capital ratio | 46.0729% | 176 |
| Memoranda: | ||
| Average total assets | $67,713,500 | 5,753 |
| Average earning assets | $62,405,250 | 5,726 |
| Average equity | $8,928,000 | 5,288 |
| Average total loans | $18,934,500 | 6,556 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7930% | 7,190 |
| Cost of funding earning assets | 0.1878% | 7,053 |
| Net interest margin | 1.6052% | 7,171 |
| Noninterest income to average assets | 2.1782% | 353 |
| Noninterest expense to average assets | 3.1065% | 2,907 |
| Loan and lease loss provision to assets | 0.0831% | 4,557 |
| Net operating income to assets | 0.2771% | 5,680 |
| Return on assets (ROA) | 0.2771% | 5,878 |
| Pretax return on assets | 0.4572% | 5,559 |
| Return on Equity (ROE) | 2.2425% | 5,968 |
| Retained earnings to average equity (ytd only) | 2.2425% | 5,071 |
| Net charge-offs to loans | 2.2178% | 342 |
| Credit loss provision to net charge-offs | 14.2857% | 4,687 |
| Earnings coverage of net charge-offs (x) | 0.9286% | 4,571 |
| Efficiency ratio | 85.1824% | 1,514 |
| Assets per employee ($millions) | 5.0411% | 2,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3875% | 1,436 |
| Loan loss allowance to noncurrent loans | 40.5142% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 1.5983% | 3,320 |
| Noncurrent loans to loans | 5.8931% | 764 |
| Net loans and leases to total assets | 26.4740% | 6,967 |
| Net loans and leases to deposits | 31.5955% | 6,973 |
| Net loans and leases to core deposits | 31.5955% | 6,997 |
| Total domestic deposits to total assets | 83.7903% | 4,406 |
| Equity capital to assets | 12.6773% | 1,700 |
| Core capital (leverage) ratio | 11.9502% | 1,625 |
| Tier 1 risk-based capital ratio | 42.5497% | 195 |
| Total risk-based capital ratio | 43.8130% | 192 |
| Memoranda: | ||
| Average total assets | $72,170,670 | 5,662 |
| Average earning assets | $66,034,670 | 5,648 |
| Average equity | $8,918,670 | 5,289 |
| Average total loans | $18,938,000 | 6,603 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7726% | 7,251 |
| Cost of funding earning assets | 0.1803% | 7,134 |
| Net interest margin | 1.5923% | 7,228 |
| Noninterest income to average assets | 2.7464% | 271 |
| Noninterest expense to average assets | 3.3987% | 2,011 |
| Loan and lease loss provision to assets | 0.0548% | 4,720 |
| Net operating income to assets | 0.4495% | 5,036 |
| Return on assets (ROA) | 0.4495% | 5,228 |
| Pretax return on assets | 0.7455% | 4,626 |
| Return on Equity (ROE) | 3.6835% | 5,436 |
| Retained earnings to average equity (ytd only) | 3.6835% | 4,377 |
| Net charge-offs to loans | 4.5019% | 121 |
| Credit loss provision to net charge-offs | 4.7170% | 3,959 |
| Earnings coverage of net charge-offs (x) | 0.6887% | 3,994 |
| Efficiency ratio | 80.9399% | 2,088 |
| Assets per employee ($millions) | 4.6480% | 2,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4348% | 1,455 |
| Loan loss allowance to noncurrent loans | 38.5500% | 5,696 |
| Noncurrent assets plus other real estate owned to assets | 1.7381% | 3,252 |
| Noncurrent loans to loans | 6.3160% | 763 |
| Net loans and leases to total assets | 26.8487% | 7,008 |
| Net loans and leases to deposits | 31.5492% | 7,019 |
| Net loans and leases to core deposits | 31.5492% | 7,048 |
| Total domestic deposits to total assets | 85.1011% | 3,987 |
| Equity capital to assets | 13.7463% | 1,119 |
| Core capital (leverage) ratio | 11.4009% | 1,962 |
| Tier 1 risk-based capital ratio | 47.5305% | 140 |
| Total risk-based capital ratio | 48.7932% | 141 |
| Memoranda: | ||
| Average total assets | $72,968,500 | 5,683 |
| Average earning assets | $66,568,500 | 5,669 |
| Average equity | $8,904,500 | 5,313 |
| Average total loans | $18,836,500 | 6,664 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8221% | 7,300 |
| Cost of funding earning assets | 0.1117% | 7,298 |
| Net interest margin | 1.7104% | 7,272 |
| Noninterest income to average assets | 2.2365% | 319 |
| Noninterest expense to average assets | 3.0374% | 3,454 |
| Loan and lease loss provision to assets | 0.3701% | 2,770 |
| Net operating income to assets | 0.2512% | 5,421 |
| Return on assets (ROA) | 0.2512% | 5,564 |
| Pretax return on assets | 0.4011% | 5,294 |
| Return on Equity (ROE) | 2.1148% | 5,614 |
| Retained earnings to average equity (ytd only) | 2.1148% | 4,707 |
| Net charge-offs to loans | 0.0781% | 5,542 |
| Credit loss provision to net charge-offs | 1,957.1429% | 118 |
| Earnings coverage of net charge-offs (x) | 40.7857% | 663 |
| Efficiency ratio | 79.7518% | 2,337 |
| Assets per employee ($millions) | 5.7761% | 1,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2227% | 666 |
| Loan loss allowance to noncurrent loans | 50.3557% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 1.5643% | 3,601 |
| Noncurrent loans to loans | 6.3999% | 742 |
| Net loans and leases to total assets | 23.6555% | 7,159 |
| Net loans and leases to deposits | 26.7344% | 7,183 |
| Net loans and leases to core deposits | 26.7344% | 7,189 |
| Total domestic deposits to total assets | 88.4833% | 1,862 |
| Equity capital to assets | 10.9615% | 3,014 |
| Core capital (leverage) ratio | 11.1187% | 2,177 |
| Tier 1 risk-based capital ratio | 43.5790% | 180 |
| Total risk-based capital ratio | 44.8565% | 178 |
| Memoranda: | ||
| Average total assets | $74,043,600 | 5,642 |
| Average earning assets | $68,053,800 | 5,613 |
| Average equity | $8,795,200 | 5,339 |
| Average total loans | $17,927,600 | 6,754 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8588% | 7,377 |
| Cost of funding earning assets | 0.1006% | 7,384 |
| Net interest margin | 1.7582% | 7,341 |
| Noninterest income to average assets | 2.5915% | 258 |
| Noninterest expense to average assets | 3.2826% | 2,549 |
| Loan and lease loss provision to assets | 0.4497% | 2,219 |
| Net operating income to assets | 0.2949% | 5,413 |
| Return on assets (ROA) | 0.2949% | 5,587 |
| Pretax return on assets | 0.4700% | 5,260 |
| Return on Equity (ROE) | 2.4303% | 5,643 |
| Retained earnings to average equity (ytd only) | 2.4303% | 4,908 |
| Net charge-offs to loans | 0.0992% | 4,997 |
| Credit loss provision to net charge-offs | 1,876.9231% | 144 |
| Earnings coverage of net charge-offs (x) | 38.3912% | 795 |
| Efficiency ratio | 78.1140% | 2,531 |
| Assets per employee ($millions) | 5.3993% | 1,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3580% | 631 |
| Loan loss allowance to noncurrent loans | 47.4961% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 1.6907% | 3,551 |
| Noncurrent loans to loans | 7.0701% | 701 |
| Net loans and leases to total assets | 23.1102% | 7,243 |
| Net loans and leases to deposits | 26.3238% | 7,265 |
| Net loans and leases to core deposits | 26.3238% | 7,274 |
| Total domestic deposits to total assets | 87.7920% | 2,170 |
| Equity capital to assets | 11.6920% | 2,505 |
| Core capital (leverage) ratio | 11.3116% | 2,154 |
| Tier 1 risk-based capital ratio | 46.4469% | 167 |
| Total risk-based capital ratio | 47.7354% | 166 |
| Memoranda: | ||
| Average total assets | $72,338,250 | 5,726 |
| Average earning assets | $66,277,250 | 5,699 |
| Average equity | $8,778,000 | 5,368 |
| Average total loans | $17,468,000 | 6,848 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9096% | 7,453 |
| Cost of funding earning assets | 0.0893% | 7,463 |
| Net interest margin | 1.8203% | 7,404 |
| Noninterest income to average assets | 3.1577% | 217 |
| Noninterest expense to average assets | 3.5591% | 1,842 |
| Loan and lease loss provision to assets | 0.6259% | 1,529 |
| Net operating income to assets | 0.4070% | 4,909 |
| Return on assets (ROA) | 0.4070% | 5,069 |
| Pretax return on assets | 0.6315% | 4,644 |
| Return on Equity (ROE) | 3.3113% | 5,255 |
| Retained earnings to average equity (ytd only) | 3.3113% | 4,152 |
| Net charge-offs to loans | 0.1506% | 4,285 |
| Credit loss provision to net charge-offs | 1,715.3846% | 200 |
| Earnings coverage of net charge-offs (x) | 34.4615% | 833 |
| Efficiency ratio | 73.8928% | 3,380 |
| Assets per employee ($millions) | 4.9326% | 2,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3335% | 682 |
| Loan loss allowance to noncurrent loans | 45.8594% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 1.9462% | 3,312 |
| Noncurrent loans to loans | 7.2690% | 690 |
| Net loans and leases to total assets | 24.6492% | 7,304 |
| Net loans and leases to deposits | 28.5154% | 7,322 |
| Net loans and leases to core deposits | 28.5154% | 7,336 |
| Total domestic deposits to total assets | 86.4416% | 3,078 |
| Equity capital to assets | 12.7764% | 1,633 |
| Core capital (leverage) ratio | 10.8351% | 2,386 |
| Tier 1 risk-based capital ratio | 41.8365% | 216 |
| Total risk-based capital ratio | 43.1055% | 216 |
| Memoranda: | ||
| Average total assets | $71,254,330 | 5,792 |
| Average earning assets | $64,933,670 | 5,789 |
| Average equity | $8,758,000 | 5,392 |
| Average total loans | $17,265,330 | 6,931 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8145% | 7,516 |
| Cost of funding earning assets | 0.0916% | 7,527 |
| Net interest margin | 1.7229% | 7,469 |
| Noninterest income to average assets | 4.0358% | 162 |
| Noninterest expense to average assets | 3.7151% | 1,509 |
| Loan and lease loss provision to assets | 1.0725% | 692 |
| Net operating income to assets | 0.5252% | 4,379 |
| Return on assets (ROA) | 0.5252% | 4,463 |
| Pretax return on assets | 0.8072% | 3,878 |
| Return on Equity (ROE) | 4.3551% | 4,721 |
| Retained earnings to average equity (ytd only) | 4.3551% | 3,554 |
| Net charge-offs to loans | 0.3042% | 2,828 |
| Credit loss provision to net charge-offs | 1,492.3077% | 274 |
| Earnings coverage of net charge-offs (x) | 26.1538% | 933 |
| Efficiency ratio | 66.4032% | 4,967 |
| Assets per employee ($millions) | 5.1373% | 1,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0683% | 859 |
| Loan loss allowance to noncurrent loans | 43.2223% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 1.8840% | 3,455 |
| Noncurrent loans to loans | 7.0989% | 765 |
| Net loans and leases to total assets | 24.5099% | 7,365 |
| Net loans and leases to deposits | 28.0491% | 7,388 |
| Net loans and leases to core deposits | 28.0491% | 7,401 |
| Total domestic deposits to total assets | 87.3822% | 2,721 |
| Equity capital to assets | 12.1979% | 1,795 |
| Core capital (leverage) ratio | 10.2185% | 2,910 |
| Tier 1 risk-based capital ratio | 28.9638% | 578 |
| Total risk-based capital ratio | 30.2225% | 562 |
| Memoranda: | ||
| Average total assets | $72,353,000 | 5,808 |
| Average earning assets | $65,472,500 | 5,812 |
| Average equity | $8,725,500 | 5,400 |
| Average total loans | $17,093,500 | 6,993 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9662% | 7,498 |
| Cost of funding earning assets | 0.2754% | 7,523 |
| Net interest margin | 2.6908% | 7,132 |
| Noninterest income to average assets | 2.2271% | 332 |
| Noninterest expense to average assets | 4.2896% | 821 |
| Loan and lease loss provision to assets | 2.2880% | 533 |
| Net operating income to assets | -1.1834% | 6,784 |
| Return on assets (ROA) | -1.1834% | 6,802 |
| Pretax return on assets | -1.9711% | 7,018 |
| Return on Equity (ROE) | -7.9955% | 6,622 |
| Retained earnings to average equity (ytd only) | -7.9955% | 6,536 |
| Net charge-offs to loans | 6.4498% | 82 |
| Credit loss provision to net charge-offs | 96.5257% | 4,811 |
| Earnings coverage of net charge-offs (x) | 0.1337% | 5,988 |
| Efficiency ratio | 93.1209% | 1,111 |
| Assets per employee ($millions) | 5.1989% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3561% | 1,610 |
| Loan loss allowance to noncurrent loans | 28.4743% | 6,385 |
| Noncurrent assets plus other real estate owned to assets | 1.9070% | 3,464 |
| Noncurrent loans to loans | 8.2745% | 611 |
| Net loans and leases to total assets | 21.4663% | 7,504 |
| Net loans and leases to deposits | 24.4986% | 7,529 |
| Net loans and leases to core deposits | 24.4986% | 7,525 |
| Total domestic deposits to total assets | 87.6223% | 2,468 |
| Equity capital to assets | 11.9230% | 1,956 |
| Core capital (leverage) ratio | 10.3627% | 2,706 |
| Tier 1 risk-based capital ratio | 38.7220% | 265 |
| Total risk-based capital ratio | 39.9809% | 257 |
| Memoranda: | ||
| Average total assets | $55,856,400 | 6,345 |
| Average earning assets | $49,389,600 | 6,393 |
| Average equity | $8,267,200 | 5,631 |
| Average total loans | $20,527,800 | 6,898 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2852% | 7,583 |
| Cost of funding earning assets | 0.2713% | 7,649 |
| Net interest margin | 3.0139% | 6,801 |
| Noninterest income to average assets | 2.4484% | 286 |
| Noninterest expense to average assets | 4.7702% | 457 |
| Loan and lease loss provision to assets | 3.2232% | 247 |
| Net operating income to assets | -1.7433% | 7,173 |
| Return on assets (ROA) | -1.7433% | 7,184 |
| Pretax return on assets | -2.9055% | 7,395 |
| Return on Equity (ROE) | -11.0231% | 6,968 |
| Retained earnings to average equity (ytd only) | -11.0231% | 6,925 |
| Net charge-offs to loans | 8.1502% | 42 |
| Credit loss provision to net charge-offs | 94.2598% | 4,596 |
| Earnings coverage of net charge-offs (x) | 0.0929% | 5,933 |
| Efficiency ratio | 93.7563% | 1,015 |
| Assets per employee ($millions) | 4.5500% | 2,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9267% | 2,411 |
| Loan loss allowance to noncurrent loans | 110.5096% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.5934% | 5,953 |
| Noncurrent loans to loans | 1.7435% | 4,027 |
| Net loans and leases to total assets | 27.7284% | 7,515 |
| Net loans and leases to deposits | 33.2024% | 7,531 |
| Net loans and leases to core deposits | 33.2024% | 7,544 |
| Total domestic deposits to total assets | 83.5133% | 4,365 |
| Equity capital to assets | 12.8163% | 1,672 |
| Core capital (leverage) ratio | 10.1581% | 3,086 |
| Tier 1 risk-based capital ratio | 32.4066% | 420 |
| Total risk-based capital ratio | 33.6755% | 413 |
| Memoranda: | ||
| Average total assets | $51,624,500 | 6,553 |
| Average earning assets | $45,212,250 | 6,613 |
| Average equity | $8,164,500 | 5,737 |
| Average total loans | $21,659,500 | 6,931 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0476% | 7,322 |
| Cost of funding earning assets | 0.3129% | 7,708 |
| Net interest margin | 3.7348% | 4,215 |
| Noninterest income to average assets | 2.3740% | 284 |
| Noninterest expense to average assets | 5.1765% | 330 |
| Loan and lease loss provision to assets | 0.1681% | 5,199 |
| Net operating income to assets | 0.1555% | 5,701 |
| Return on assets (ROA) | 0.1555% | 5,824 |
| Pretax return on assets | 0.2395% | 5,682 |
| Return on Equity (ROE) | 0.9063% | 5,978 |
| Retained earnings to average equity (ytd only) | 0.9063% | 5,404 |
| Net charge-offs to loans | 0.4022% | 3,373 |
| Credit loss provision to net charge-offs | 86.9565% | 4,518 |
| Earnings coverage of net charge-offs (x) | 2.1087% | 3,969 |
| Efficiency ratio | 92.7013% | 1,146 |
| Assets per employee ($millions) | 3.8145% | 4,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8505% | 2,562 |
| Loan loss allowance to noncurrent loans | 124.1071% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 1.6198% | 4,014 |
| Noncurrent loans to loans | 1.4911% | 4,467 |
| Net loans and leases to total assets | 41.4153% | 7,070 |
| Net loans and leases to deposits | 51.5404% | 7,000 |
| Net loans and leases to core deposits | 51.5404% | 7,155 |
| Total domestic deposits to total assets | 80.3550% | 5,613 |
| Equity capital to assets | 15.3175% | 818 |
| Core capital (leverage) ratio | 10.6916% | 2,471 |
| Tier 1 risk-based capital ratio | 30.5907% | 476 |
| Total risk-based capital ratio | 31.8520% | 471 |
| Memoranda: | ||
| Average total assets | $47,599,330 | 6,742 |
| Average earning assets | $40,912,670 | 6,815 |
| Average equity | $8,164,670 | 5,745 |
| Average total loans | $22,876,000 | 6,912 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4710% | 6,850 |
| Cost of funding earning assets | 0.3358% | 7,801 |
| Net interest margin | 4.1351% | 2,298 |
| Noninterest income to average assets | 1.9419% | 355 |
| Noninterest expense to average assets | 4.9667% | 375 |
| Loan and lease loss provision to assets | 0.0895% | 5,742 |
| Net operating income to assets | 0.2506% | 5,492 |
| Return on assets (ROA) | 0.2506% | 5,614 |
| Pretax return on assets | 0.4117% | 5,255 |
| Return on Equity (ROE) | 1.3731% | 6,007 |
| Retained earnings to average equity (ytd only) | 1.3731% | 5,261 |
| Net charge-offs to loans | 0.7463% | 2,016 |
| Credit loss provision to net charge-offs | 23.2558% | 4,910 |
| Earnings coverage of net charge-offs (x) | 1.3023% | 3,970 |
| Efficiency ratio | 90.8347% | 1,364 |
| Assets per employee ($millions) | 3.4951% | 5,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6589% | 3,216 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 1.7718% | 3,829 |
| Noncurrent loans to loans | 1.6589% | 4,257 |
| Net loans and leases to total assets | 47.2472% | 6,735 |
| Net loans and leases to deposits | 60.4213% | 6,425 |
| Net loans and leases to core deposits | 60.4213% | 6,711 |
| Total domestic deposits to total assets | 78.1963% | 6,269 |
| Equity capital to assets | 16.6987% | 565 |
| Core capital (leverage) ratio | 10.8461% | 2,340 |
| Tier 1 risk-based capital ratio | 29.3670% | 560 |
| Total risk-based capital ratio | 30.6216% | 543 |
| Memoranda: | ||
| Average total assets | $44,697,500 | 6,929 |
| Average earning assets | $38,112,500 | 7,015 |
| Average equity | $8,157,000 | 5,790 |
| Average total loans | $23,047,000 | 6,987 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3513% | 7,520 |
| Cost of funding earning assets | 0.3185% | 7,897 |
| Net interest margin | 4.0328% | 2,733 |
| Noninterest income to average assets | 1.5910% | 568 |
| Noninterest expense to average assets | 4.6745% | 666 |
| Loan and lease loss provision to assets | 0.0235% | 7,271 |
| Net operating income to assets | 0.2394% | 4,762 |
| Return on assets (ROA) | 0.2394% | 4,842 |
| Pretax return on assets | 0.3989% | 4,503 |
| Return on Equity (ROE) | 1.2562% | 5,153 |
| Retained earnings to average equity (ytd only) | 1.2562% | 4,161 |
| Net charge-offs to loans | 0.2799% | 4,880 |
| Credit loss provision to net charge-offs | 14.7059% | 6,960 |
| Earnings coverage of net charge-offs (x) | 2.6471% | 3,793 |
| Efficiency ratio | 91.7127% | 1,589 |
| Assets per employee ($millions) | 2.8902% | 6,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8729% | 2,337 |
| Loan loss allowance to noncurrent loans | 50.3571% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 2.2465% | 3,073 |
| Noncurrent loans to loans | 3.7193% | 2,022 |
| Net loans and leases to total assets | 54.7710% | 6,109 |
| Net loans and leases to deposits | 74.1551% | 5,016 |
| Net loans and leases to core deposits | 74.9425% | 6,472 |
| Total domestic deposits to total assets | 73.8601% | 7,037 |
| Equity capital to assets | 20.1246% | 289 |
| Core capital (leverage) ratio | 14.5164% | 875 |
| Tier 1 risk-based capital ratio | 31.3900% | 465 |
| Total risk-based capital ratio | 32.6466% | 463 |
| Memoranda: | ||
| Average total assets | $42,614,000 | 7,007 |
| Average earning assets | $37,046,200 | 7,054 |
| Average equity | $8,120,000 | 5,880 |
| Average total loans | $24,292,200 | 6,952 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1699% | 7,738 |
| Cost of funding earning assets | 0.3080% | 8,002 |
| Net interest margin | 3.8619% | 3,383 |
| Noninterest income to average assets | 1.7457% | 481 |
| Noninterest expense to average assets | 4.5327% | 720 |
| Loan and lease loss provision to assets | 0.0618% | 6,747 |
| Net operating income to assets | 0.3121% | 4,753 |
| Return on assets (ROA) | 0.3121% | 4,858 |
| Pretax return on assets | 0.5222% | 4,448 |
| Return on Equity (ROE) | 1.6595% | 5,280 |
| Retained earnings to average equity (ytd only) | 1.6595% | 4,383 |
| Net charge-offs to loans | 0.3668% | 3,817 |
| Credit loss provision to net charge-offs | 29.4118% | 6,514 |
| Earnings coverage of net charge-offs (x) | 2.7795% | 3,832 |
| Efficiency ratio | 88.5870% | 1,812 |
| Assets per employee ($millions) | 2.6075% | 7,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6479% | 2,818 |
| Loan loss allowance to noncurrent loans | 51.0012% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 2.6462% | 2,628 |
| Noncurrent loans to loans | 3.2311% | 2,342 |
| Net loans and leases to total assets | 66.0727% | 4,415 |
| Net loans and leases to deposits | 97.3334% | 1,398 |
| Net loans and leases to core deposits | 98.4945% | 4,556 |
| Total domestic deposits to total assets | 67.8828% | 7,590 |
| Equity capital to assets | 20.8729% | 284 |
| Core capital (leverage) ratio | 17.2294% | 520 |
| Tier 1 risk-based capital ratio | 27.3229% | 725 |
| Total risk-based capital ratio | 28.5588% | 707 |
| Memoranda: | ||
| Average total assets | $43,151,750 | 7,039 |
| Average earning assets | $37,666,000 | 7,082 |
| Average equity | $8,114,250 | 5,942 |
| Average total loans | $24,719,000 | 6,996 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7819% | 7,974 |
| Cost of funding earning assets | 0.2705% | 8,107 |
| Net interest margin | 3.5114% | 4,752 |
| Noninterest income to average assets | 1.8877% | 412 |
| Noninterest expense to average assets | 4.5260% | 760 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2697% | 5,016 |
| Return on assets (ROA) | 0.2697% | 5,114 |
| Pretax return on assets | 0.4540% | 4,774 |
| Return on Equity (ROE) | 1.4819% | 5,466 |
| Retained earnings to average equity (ytd only) | 1.4819% | 4,500 |
| Net charge-offs to loans | 0.4876% | 2,875 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 1.7119% | 4,273 |
| Efficiency ratio | 90.8845% | 1,737 |
| Assets per employee ($millions) | 2.6798% | 6,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6788% | 2,420 |
| Loan loss allowance to noncurrent loans | 84.4000% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 1.5747% | 3,863 |
| Noncurrent loans to loans | 1.9891% | 3,541 |
| Net loans and leases to total assets | 61.4847% | 5,439 |
| Net loans and leases to deposits | 86.6889% | 3,418 |
| Net loans and leases to core deposits | 87.6481% | 5,751 |
| Total domestic deposits to total assets | 70.9257% | 7,376 |
| Equity capital to assets | 20.2080% | 365 |
| Core capital (leverage) ratio | 17.9038% | 520 |
| Tier 1 risk-based capital ratio | 25.5620% | 893 |
| Total risk-based capital ratio | 26.8143% | 873 |
| Memoranda: | ||
| Average total assets | $44,498,000 | 7,039 |
| Average earning assets | $39,186,330 | 7,085 |
| Average equity | $8,097,670 | 5,985 |
| Average total loans | $24,200,000 | 7,070 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7365% | 8,054 |
| Cost of funding earning assets | 0.2465% | 8,169 |
| Net interest margin | 3.4900% | 4,774 |
| Noninterest income to average assets | 1.9893% | 369 |
| Noninterest expense to average assets | 4.3989% | 785 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3773% | 4,955 |
| Return on assets (ROA) | 0.3773% | 5,140 |
| Pretax return on assets | 0.6260% | 4,672 |
| Return on Equity (ROE) | 2.1769% | 5,714 |
| Retained earnings to average equity (ytd only) | 2.1769% | 4,663 |
| Net charge-offs to loans | 0.4551% | 2,314 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 2.7037% | 3,410 |
| Efficiency ratio | 87.5427% | 1,927 |
| Assets per employee ($millions) | 3.4431% | 4,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0753% | 1,281 |
| Loan loss allowance to noncurrent loans | 101.5660% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 1.3186% | 4,029 |
| Noncurrent loans to loans | 2.0433% | 3,207 |
| Net loans and leases to total assets | 41.4777% | 7,498 |
| Net loans and leases to deposits | 55.3841% | 7,197 |
| Net loans and leases to core deposits | 55.9847% | 7,619 |
| Total domestic deposits to total assets | 74.8911% | 6,730 |
| Equity capital to assets | 15.6969% | 929 |
| Core capital (leverage) ratio | 18.4040% | 511 |
| Tier 1 risk-based capital ratio | 26.2097% | 875 |
| Total risk-based capital ratio | 27.4648% | 858 |
| Memoranda: | ||
| Average total assets | $46,648,500 | 7,002 |
| Average earning assets | $40,572,500 | 7,075 |
| Average equity | $8,085,000 | 6,023 |
| Average total loans | $23,731,500 | 7,149 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1014% | 8,093 |
| Cost of funding earning assets | 0.2407% | 8,231 |
| Net interest margin | 3.8606% | 3,738 |
| Noninterest income to average assets | 1.8482% | 396 |
| Noninterest expense to average assets | 4.3887% | 966 |
| Loan and lease loss provision to assets | 0.5769% | 2,516 |
| Net operating income to assets | 0.1936% | 5,867 |
| Return on assets (ROA) | 0.1936% | 5,684 |
| Pretax return on assets | 0.3012% | 5,508 |
| Return on Equity (ROE) | 1.2251% | 5,849 |
| Retained earnings to average equity (ytd only) | 1.2251% | 4,490 |
| Net charge-offs to loans | 0.3528% | 3,064 |
| Credit loss provision to net charge-offs | 335.2273% | 1,349 |
| Earnings coverage of net charge-offs (x) | 5.1023% | 3,749 |
| Efficiency ratio | 83.3271% | 2,135 |
| Assets per employee ($millions) | 2.7767% | 6,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8799% | 1,464 |
| Loan loss allowance to noncurrent loans | 87.7737% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 2.2713% | 2,143 |
| Noncurrent loans to loans | 2.1417% | 2,578 |
| Net loans and leases to total assets | 60.2785% | 5,871 |
| Net loans and leases to deposits | 76.0719% | 5,587 |
| Net loans and leases to core deposits | 77.0359% | 6,793 |
| Total domestic deposits to total assets | 79.2389% | 5,286 |
| Equity capital to assets | 19.3589% | 514 |
| Core capital (leverage) ratio | 18.2241% | 583 |
| Tier 1 risk-based capital ratio | 24.4369% | 1,039 |
| Total risk-based capital ratio | 25.6919% | 1,018 |
| Memoranda: | ||
| Average total assets | $51,131,400 | 6,728 |
| Average earning assets | $45,277,600 | 6,802 |
| Average equity | $8,081,200 | 6,057 |
| Average total loans | $24,943,400 | 7,027 |