Home > Kentucky Neighborhood Bank > Performance and Condition Ratios
Kentucky Neighborhood Bank, Performance and Condition Ratios
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5161% | 1,493 |
| Cost of funding earning assets | 0.5521% | 1,669 |
| Net interest margin | 3.9639% | 1,744 |
| Noninterest income to average assets | 1.1867% | 801 |
| Noninterest expense to average assets | 4.1629% | 503 |
| Loan and lease loss provision to assets | 0.0712% | 2,938 |
| Net operating income to assets | 0.4423% | 4,822 |
| Return on assets (ROA) | 0.4423% | 4,905 |
| Pretax return on assets | 0.5855% | 4,825 |
| Return on Equity (ROE) | 3.7514% | 4,914 |
| Retained earnings to average equity (ytd only) | 1.1381% | 4,842 |
| Net charge-offs to loans | 0.1099% | 2,172 |
| Credit loss provision to net charge-offs | 82.6087% | 2,935 |
| Earnings coverage of net charge-offs (x) | 7.6174% | 2,993 |
| Efficiency ratio | 86.3742% | 792 |
| Assets per employee ($millions) | 3.5802% | 4,641 |
| Cash dividends to net income (ytd only)* | 69.6610% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0327% | 5,855 |
| Loan loss allowance to noncurrent loans | 1.9198% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 1.7567% | 857 |
| Noncurrent loans to loans | 1.7037% | 1,135 |
| Net loans and leases to total assets | 78.4452% | 1,134 |
| Net loans and leases to deposits | 92.1992% | 1,425 |
| Net loans and leases to core deposits | 98.6959% | 1,726 |
| Total domestic deposits to total assets | 85.0823% | 3,012 |
| Equity capital to assets | 14.3356% | 788 |
| Core capital (leverage) ratio | 11.2946% | 2,088 |
| Tier 1 risk-based capital ratio | 13.2870% | 3,903 |
| Total risk-based capital ratio | 13.3668% | 4,525 |
| Memoranda: | ||
| Average total assets | $133,392,600 | 3,778 |
| Average earning assets | $122,252,800 | 3,787 |
| Average equity | $15,727,400 | 3,731 |
| Average total loans | $104,623,200 | 3,305 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5184% | 1,483 |
| Cost of funding earning assets | 0.5694% | 1,550 |
| Net interest margin | 3.9490% | 1,820 |
| Noninterest income to average assets | 1.1784% | 829 |
| Noninterest expense to average assets | 3.5352% | 1,086 |
| Loan and lease loss provision to assets | 0.0499% | 3,247 |
| Net operating income to assets | 0.8851% | 2,981 |
| Return on assets (ROA) | 0.8851% | 3,113 |
| Pretax return on assets | 1.2403% | 2,652 |
| Return on Equity (ROE) | 7.9309% | 3,046 |
| Retained earnings to average equity (ytd only) | 4.2560% | 3,296 |
| Net charge-offs to loans | 0.1005% | 1,944 |
| Credit loss provision to net charge-offs | 63.2911% | 2,874 |
| Earnings coverage of net charge-offs (x) | 16.3672% | 2,115 |
| Efficiency ratio | 73.2630% | 2,393 |
| Assets per employee ($millions) | 3.6209% | 4,609 |
| Cash dividends to net income (ytd only)* | 46.3362% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3142% | 2,610 |
| Loan loss allowance to noncurrent loans | 78.3937% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 1.9399% | 813 |
| Noncurrent loans to loans | 1.6764% | 1,259 |
| Net loans and leases to total assets | 77.6851% | 1,250 |
| Net loans and leases to deposits | 94.1592% | 1,243 |
| Net loans and leases to core deposits | 100.9320% | 1,556 |
| Total domestic deposits to total assets | 82.5039% | 3,776 |
| Equity capital to assets | 11.3135% | 2,688 |
| Core capital (leverage) ratio | 10.9581% | 2,494 |
| Tier 1 risk-based capital ratio | 12.3888% | 4,544 |
| Total risk-based capital ratio | 13.5999% | 4,478 |
| Memoranda: | ||
| Average total assets | $133,624,000 | 3,796 |
| Average earning assets | $123,402,500 | 3,791 |
| Average equity | $14,911,750 | 3,850 |
| Average total loans | $104,792,000 | 3,311 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5760% | 1,317 |
| Cost of funding earning assets | 0.5578% | 1,639 |
| Net interest margin | 4.0182% | 1,589 |
| Noninterest income to average assets | 0.9992% | 1,117 |
| Noninterest expense to average assets | 3.5414% | 1,099 |
| Loan and lease loss provision to assets | 0.0749% | 2,639 |
| Net operating income to assets | 0.7895% | 3,360 |
| Return on assets (ROA) | 0.7895% | 3,504 |
| Pretax return on assets | 1.0951% | 3,215 |
| Return on Equity (ROE) | 7.1072% | 3,480 |
| Retained earnings to average equity (ytd only) | 6.9724% | 1,616 |
| Net charge-offs to loans | 0.0383% | 2,690 |
| Credit loss provision to net charge-offs | 250.0000% | 1,099 |
| Earnings coverage of net charge-offs (x) | 39.0500% | 1,174 |
| Efficiency ratio | 75.1669% | 2,198 |
| Assets per employee ($millions) | 3.4681% | 4,803 |
| Cash dividends to net income (ytd only)* | 1.8975% | 3,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3975% | 2,308 |
| Loan loss allowance to noncurrent loans | 75.4569% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 2.2308% | 679 |
| Noncurrent loans to loans | 1.8520% | 1,094 |
| Net loans and leases to total assets | 77.3631% | 1,284 |
| Net loans and leases to deposits | 94.3399% | 1,256 |
| Net loans and leases to core deposits | 98.0318% | 1,804 |
| Total domestic deposits to total assets | 82.0046% | 3,996 |
| Equity capital to assets | 11.5184% | 2,529 |
| Core capital (leverage) ratio | 10.9828% | 2,446 |
| Tier 1 risk-based capital ratio | 13.0839% | 4,155 |
| Total risk-based capital ratio | 14.3346% | 4,070 |
| Memoranda: | ||
| Average total assets | $133,507,670 | 3,818 |
| Average earning assets | $123,339,670 | 3,815 |
| Average equity | $14,830,000 | 3,884 |
| Average total loans | $104,568,330 | 3,330 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5837% | 1,304 |
| Cost of funding earning assets | 0.5605% | 1,622 |
| Net interest margin | 4.0232% | 1,548 |
| Noninterest income to average assets | 0.7026% | 2,032 |
| Noninterest expense to average assets | 3.5068% | 1,171 |
| Loan and lease loss provision to assets | 0.1488% | 1,420 |
| Net operating income to assets | 0.5716% | 4,304 |
| Return on assets (ROA) | 0.5716% | 4,418 |
| Pretax return on assets | 0.7651% | 4,325 |
| Return on Equity (ROE) | 5.2405% | 4,365 |
| Retained earnings to average equity (ytd only) | 5.2405% | 2,788 |
| Net charge-offs to loans | 0.0723% | 1,759 |
| Credit loss provision to net charge-offs | 263.1579% | 919 |
| Earnings coverage of net charge-offs (x) | 16.1579% | 1,632 |
| Efficiency ratio | 79.3266% | 1,694 |
| Assets per employee ($millions) | 3.2718% | 5,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4040% | 2,400 |
| Loan loss allowance to noncurrent loans | 69.7540% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 2.0962% | 814 |
| Noncurrent loans to loans | 2.0129% | 1,064 |
| Net loans and leases to total assets | 75.6957% | 1,437 |
| Net loans and leases to deposits | 91.9556% | 1,351 |
| Net loans and leases to core deposits | 95.4019% | 1,854 |
| Total domestic deposits to total assets | 82.3176% | 4,112 |
| Equity capital to assets | 11.0284% | 2,907 |
| Core capital (leverage) ratio | 10.6743% | 2,765 |
| Tier 1 risk-based capital ratio | 12.9606% | 4,291 |
| Total risk-based capital ratio | 14.2121% | 4,209 |
| Memoranda: | ||
| Average total assets | $134,367,000 | 3,826 |
| Average earning assets | $124,180,000 | 3,826 |
| Average equity | $14,655,000 | 3,908 |
| Average total loans | $105,152,000 | 3,331 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7201% | 1,067 |
| Cost of funding earning assets | 0.5641% | 1,640 |
| Net interest margin | 4.1560% | 1,267 |
| Noninterest income to average assets | 0.9708% | 1,256 |
| Noninterest expense to average assets | 3.6412% | 1,054 |
| Loan and lease loss provision to assets | 0.1300% | 1,840 |
| Net operating income to assets | 0.7311% | 3,668 |
| Return on assets (ROA) | 0.7273% | 3,779 |
| Pretax return on assets | 1.0249% | 3,364 |
| Return on Equity (ROE) | 6.6688% | 3,701 |
| Retained earnings to average equity (ytd only) | 3.0313% | 3,896 |
| Net charge-offs to loans | 0.1009% | 2,404 |
| Credit loss provision to net charge-offs | 160.1852% | 1,681 |
| Earnings coverage of net charge-offs (x) | 14.2963% | 2,312 |
| Efficiency ratio | 75.8372% | 2,301 |
| Assets per employee ($millions) | 3.1300% | 5,377 |
| Cash dividends to net income (ytd only)* | 54.5455% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3185% | 2,802 |
| Loan loss allowance to noncurrent loans | 65.7222% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 2.1443% | 800 |
| Noncurrent loans to loans | 2.0062% | 1,040 |
| Net loans and leases to total assets | 78.6847% | 1,036 |
| Net loans and leases to deposits | 95.7600% | 1,037 |
| Net loans and leases to core deposits | 102.0015% | 1,361 |
| Total domestic deposits to total assets | 82.1687% | 4,123 |
| Equity capital to assets | 10.7854% | 3,044 |
| Core capital (leverage) ratio | 10.4439% | 2,992 |
| Tier 1 risk-based capital ratio | 12.1296% | 4,867 |
| Total risk-based capital ratio | 13.3797% | 4,771 |
| Memoranda: | ||
| Average total assets | $133,086,400 | 3,829 |
| Average earning assets | $122,666,600 | 3,825 |
| Average equity | $14,515,400 | 3,905 |
| Average total loans | $107,009,200 | 3,260 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7455% | 1,022 |
| Cost of funding earning assets | 0.5559% | 1,753 |
| Net interest margin | 4.1896% | 1,186 |
| Noninterest income to average assets | 0.9775% | 1,235 |
| Noninterest expense to average assets | 3.6047% | 1,112 |
| Loan and lease loss provision to assets | 0.1738% | 1,222 |
| Net operating income to assets | 0.7574% | 3,649 |
| Return on assets (ROA) | 0.7545% | 3,761 |
| Pretax return on assets | 1.0569% | 3,388 |
| Return on Equity (ROE) | 6.8983% | 3,685 |
| Retained earnings to average equity (ytd only) | 6.7514% | 1,807 |
| Net charge-offs to loans | 0.0948% | 2,212 |
| Credit loss provision to net charge-offs | 227.6316% | 1,215 |
| Earnings coverage of net charge-offs (x) | 16.1712% | 2,135 |
| Efficiency ratio | 74.4862% | 2,473 |
| Assets per employee ($millions) | 3.1777% | 5,333 |
| Cash dividends to net income (ytd only)* | 2.1302% | 3,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3474% | 2,871 |
| Loan loss allowance to noncurrent loans | 65.9226% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 2.0345% | 998 |
| Noncurrent loans to loans | 2.0439% | 1,128 |
| Net loans and leases to total assets | 77.5351% | 1,173 |
| Net loans and leases to deposits | 95.4124% | 1,062 |
| Net loans and leases to core deposits | 103.1738% | 1,291 |
| Total domestic deposits to total assets | 81.2632% | 4,407 |
| Equity capital to assets | 10.8460% | 3,198 |
| Core capital (leverage) ratio | 10.8844% | 2,605 |
| Tier 1 risk-based capital ratio | 12.3576% | 4,852 |
| Total risk-based capital ratio | 13.6080% | 4,757 |
| Memoranda: | ||
| Average total assets | $132,710,750 | 3,883 |
| Average earning assets | $122,330,750 | 3,875 |
| Average equity | $14,515,250 | 3,943 |
| Average total loans | $106,932,500 | 3,288 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8367% | 828 |
| Cost of funding earning assets | 0.5488% | 1,831 |
| Net interest margin | 4.2880% | 939 |
| Noninterest income to average assets | 0.9178% | 1,396 |
| Noninterest expense to average assets | 3.5464% | 1,226 |
| Loan and lease loss provision to assets | 0.2329% | 788 |
| Net operating income to assets | 0.7928% | 3,426 |
| Return on assets (ROA) | 0.7884% | 3,549 |
| Pretax return on assets | 1.0928% | 3,205 |
| Return on Equity (ROE) | 7.1876% | 3,497 |
| Retained earnings to average equity (ytd only) | 7.0489% | 1,680 |
| Net charge-offs to loans | 0.1349% | 1,691 |
| Credit loss provision to net charge-offs | 212.5000% | 1,173 |
| Earnings coverage of net charge-offs (x) | 12.1528% | 2,238 |
| Efficiency ratio | 72.6989% | 2,898 |
| Assets per employee ($millions) | 3.0290% | 5,561 |
| Cash dividends to net income (ytd only)* | 1.9305% | 3,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 3,069 |
| Loan loss allowance to noncurrent loans | 71.6575% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 2.0185% | 1,087 |
| Noncurrent loans to loans | 1.8587% | 1,360 |
| Net loans and leases to total assets | 81.3928% | 622 |
| Net loans and leases to deposits | 98.4701% | 751 |
| Net loans and leases to core deposits | 105.3055% | 1,108 |
| Total domestic deposits to total assets | 82.6573% | 4,076 |
| Equity capital to assets | 11.1528% | 2,714 |
| Core capital (leverage) ratio | 10.8154% | 2,600 |
| Tier 1 risk-based capital ratio | 10.2466% | 6,020 |
| Total risk-based capital ratio | 11.3083% | 6,019 |
| Memoranda: | ||
| Average total assets | $131,401,000 | 3,937 |
| Average earning assets | $121,363,000 | 3,923 |
| Average equity | $14,413,670 | 3,978 |
| Average total loans | $106,779,670 | 3,303 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7806% | 893 |
| Cost of funding earning assets | 0.5483% | 1,864 |
| Net interest margin | 4.2323% | 1,007 |
| Noninterest income to average assets | 0.9395% | 1,266 |
| Noninterest expense to average assets | 3.5006% | 1,310 |
| Loan and lease loss provision to assets | 0.2516% | 655 |
| Net operating income to assets | 0.7941% | 3,297 |
| Return on assets (ROA) | 0.7941% | 3,428 |
| Pretax return on assets | 1.0941% | 3,106 |
| Return on Equity (ROE) | 7.2993% | 3,332 |
| Retained earnings to average equity (ytd only) | 7.1600% | 1,940 |
| Net charge-offs to loans | 0.1390% | 1,412 |
| Credit loss provision to net charge-offs | 224.3243% | 976 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,823 |
| Efficiency ratio | 72.2326% | 3,132 |
| Assets per employee ($millions) | 3.1430% | 5,488 |
| Cash dividends to net income (ytd only)* | 1.9084% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3220% | 3,299 |
| Loan loss allowance to noncurrent loans | 74.1764% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 1.9348% | 1,246 |
| Noncurrent loans to loans | 1.7823% | 1,524 |
| Net loans and leases to total assets | 78.9349% | 799 |
| Net loans and leases to deposits | 95.3330% | 880 |
| Net loans and leases to core deposits | 102.0229% | 1,177 |
| Total domestic deposits to total assets | 82.7991% | 4,237 |
| Equity capital to assets | 10.9996% | 2,969 |
| Core capital (leverage) ratio | 10.6975% | 2,751 |
| Tier 1 risk-based capital ratio | 10.0973% | 6,142 |
| Total risk-based capital ratio | 11.1364% | 6,158 |
| Memoranda: | ||
| Average total assets | $131,979,000 | 3,955 |
| Average earning assets | $121,825,000 | 3,939 |
| Average equity | $14,357,500 | 4,020 |
| Average total loans | $106,449,000 | 3,331 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9863% | 799 |
| Cost of funding earning assets | 0.5817% | 1,935 |
| Net interest margin | 4.4046% | 878 |
| Noninterest income to average assets | 0.9110% | 1,466 |
| Noninterest expense to average assets | 3.7130% | 1,124 |
| Loan and lease loss provision to assets | 0.0853% | 2,769 |
| Net operating income to assets | 0.8288% | 3,229 |
| Return on assets (ROA) | 0.8288% | 3,319 |
| Pretax return on assets | 1.1491% | 2,876 |
| Return on Equity (ROE) | 7.4774% | 3,385 |
| Retained earnings to average equity (ytd only) | 1.4691% | 5,106 |
| Net charge-offs to loans | 0.0830% | 3,310 |
| Credit loss provision to net charge-offs | 127.5862% | 1,877 |
| Earnings coverage of net charge-offs (x) | 18.4713% | 1,846 |
| Efficiency ratio | 75.0505% | 2,657 |
| Assets per employee ($millions) | 3.0737% | 5,597 |
| Cash dividends to net income (ytd only)* | 80.3522% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 4,822 |
| Loan loss allowance to noncurrent loans | 59.8086% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 1.8136% | 1,436 |
| Noncurrent loans to loans | 1.7514% | 1,649 |
| Net loans and leases to total assets | 80.4057% | 687 |
| Net loans and leases to deposits | 99.0133% | 685 |
| Net loans and leases to core deposits | 106.4902% | 985 |
| Total domestic deposits to total assets | 81.2069% | 4,678 |
| Equity capital to assets | 10.9048% | 3,004 |
| Core capital (leverage) ratio | 10.6454% | 2,781 |
| Tier 1 risk-based capital ratio | 12.8735% | 4,808 |
| Total risk-based capital ratio | 13.9514% | 4,828 |
| Memoranda: | ||
| Average total assets | $130,192,400 | 3,969 |
| Average earning assets | $119,308,000 | 3,988 |
| Average equity | $14,430,200 | 3,954 |
| Average total loans | $104,816,400 | 3,332 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9747% | 805 |
| Cost of funding earning assets | 0.5855% | 1,963 |
| Net interest margin | 4.3893% | 897 |
| Noninterest income to average assets | 0.9746% | 1,297 |
| Noninterest expense to average assets | 3.7604% | 1,023 |
| Loan and lease loss provision to assets | 0.0596% | 3,169 |
| Net operating income to assets | 0.8419% | 3,223 |
| Return on assets (ROA) | 0.8419% | 3,313 |
| Pretax return on assets | 1.1699% | 2,910 |
| Return on Equity (ROE) | 7.5650% | 3,415 |
| Retained earnings to average equity (ytd only) | 7.0108% | 1,818 |
| Net charge-offs to loans | 0.0883% | 2,948 |
| Credit loss provision to net charge-offs | 84.0580% | 2,524 |
| Earnings coverage of net charge-offs (x) | 17.3329% | 1,910 |
| Efficiency ratio | 75.3605% | 2,605 |
| Assets per employee ($millions) | 2.9745% | 5,754 |
| Cash dividends to net income (ytd only)* | 7.3262% | 3,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0239% | 5,104 |
| Loan loss allowance to noncurrent loans | 49.7717% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 2.1486% | 1,299 |
| Noncurrent loans to loans | 2.0572% | 1,524 |
| Net loans and leases to total assets | 80.5061% | 661 |
| Net loans and leases to deposits | 99.7784% | 625 |
| Net loans and leases to core deposits | 106.9034% | 907 |
| Total domestic deposits to total assets | 80.6849% | 4,922 |
| Equity capital to assets | 11.4122% | 2,563 |
| Core capital (leverage) ratio | 11.2831% | 2,230 |
| Tier 1 risk-based capital ratio | 13.1569% | 4,760 |
| Total risk-based capital ratio | 14.1955% | 4,815 |
| Memoranda: | ||
| Average total assets | $129,697,750 | 4,013 |
| Average earning assets | $118,650,000 | 4,025 |
| Average equity | $14,434,500 | 3,972 |
| Average total loans | $104,171,000 | 3,367 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9535% | 811 |
| Cost of funding earning assets | 0.6069% | 1,850 |
| Net interest margin | 4.3466% | 941 |
| Noninterest income to average assets | 0.9698% | 1,286 |
| Noninterest expense to average assets | 3.8112% | 961 |
| Loan and lease loss provision to assets | 0.0510% | 3,284 |
| Net operating income to assets | 0.7765% | 3,445 |
| Return on assets (ROA) | 0.7765% | 3,544 |
| Pretax return on assets | 1.0734% | 3,200 |
| Return on Equity (ROE) | 7.0371% | 3,607 |
| Retained earnings to average equity (ytd only) | 6.2661% | 2,173 |
| Net charge-offs to loans | 0.0967% | 2,703 |
| Credit loss provision to net charge-offs | 66.0000% | 2,538 |
| Earnings coverage of net charge-offs (x) | 14.5400% | 1,907 |
| Efficiency ratio | 77.2172% | 2,422 |
| Assets per employee ($millions) | 2.8719% | 5,931 |
| Cash dividends to net income (ytd only)* | 10.9562% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 5,056 |
| Loan loss allowance to noncurrent loans | 47.0895% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 2.7096% | 978 |
| Noncurrent loans to loans | 2.2570% | 1,448 |
| Net loans and leases to total assets | 79.8544% | 703 |
| Net loans and leases to deposits | 100.5280% | 531 |
| Net loans and leases to core deposits | 108.1103% | 762 |
| Total domestic deposits to total assets | 79.4350% | 5,358 |
| Equity capital to assets | 11.5443% | 2,380 |
| Core capital (leverage) ratio | 11.0898% | 2,342 |
| Tier 1 risk-based capital ratio | 13.3621% | 4,680 |
| Total risk-based capital ratio | 14.4428% | 4,719 |
| Memoranda: | ||
| Average total assets | $129,304,670 | 4,047 |
| Average earning assets | $117,978,000 | 4,064 |
| Average equity | $14,267,330 | 3,989 |
| Average total loans | $103,410,000 | 3,386 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9449% | 796 |
| Cost of funding earning assets | 0.6194% | 1,822 |
| Net interest margin | 4.3255% | 952 |
| Noninterest income to average assets | 0.8931% | 1,413 |
| Noninterest expense to average assets | 3.7989% | 982 |
| Loan and lease loss provision to assets | 0.0704% | 2,727 |
| Net operating income to assets | 0.7096% | 3,635 |
| Return on assets (ROA) | 0.7096% | 3,716 |
| Pretax return on assets | 0.9757% | 3,422 |
| Return on Equity (ROE) | 6.5783% | 3,695 |
| Retained earnings to average equity (ytd only) | 5.0188% | 3,103 |
| Net charge-offs to loans | 0.0077% | 3,484 |
| Credit loss provision to net charge-offs | 1,150.0000% | 282 |
| Earnings coverage of net charge-offs (x) | 171.0000% | 293 |
| Efficiency ratio | 78.4091% | 2,426 |
| Assets per employee ($millions) | 2.8878% | 5,987 |
| Cash dividends to net income (ytd only)* | 23.7069% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0921% | 5,154 |
| Loan loss allowance to noncurrent loans | 46.6722% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 2.8124% | 1,056 |
| Noncurrent loans to loans | 2.3400% | 1,519 |
| Net loans and leases to total assets | 76.4943% | 943 |
| Net loans and leases to deposits | 91.0880% | 1,030 |
| Net loans and leases to core deposits | 97.3007% | 1,292 |
| Total domestic deposits to total assets | 83.9785% | 4,283 |
| Equity capital to assets | 10.6926% | 3,047 |
| Core capital (leverage) ratio | 10.7724% | 2,629 |
| Tier 1 risk-based capital ratio | 12.8833% | 5,073 |
| Total risk-based capital ratio | 13.9805% | 5,107 |
| Memoranda: | ||
| Average total assets | $130,774,500 | 4,052 |
| Average earning assets | $119,476,500 | 4,053 |
| Average equity | $14,107,000 | 4,028 |
| Average total loans | $104,119,000 | 3,388 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1979% | 644 |
| Cost of funding earning assets | 0.7568% | 1,463 |
| Net interest margin | 4.4412% | 837 |
| Noninterest income to average assets | 1.4402% | 670 |
| Noninterest expense to average assets | 4.0599% | 816 |
| Loan and lease loss provision to assets | 0.0525% | 4,086 |
| Net operating income to assets | 0.9731% | 2,452 |
| Return on assets (ROA) | 0.9797% | 2,492 |
| Pretax return on assets | 1.3956% | 1,792 |
| Return on Equity (ROE) | 8.7767% | 2,654 |
| Retained earnings to average equity (ytd only) | 2.7081% | 4,311 |
| Net charge-offs to loans | 0.0039% | 5,403 |
| Credit loss provision to net charge-offs | 1,675.0000% | 149 |
| Earnings coverage of net charge-offs (x) | 459.2500% | 85 |
| Efficiency ratio | 73.8356% | 3,154 |
| Assets per employee ($millions) | 2.7980% | 6,114 |
| Cash dividends to net income (ytd only)* | 69.1447% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 5,363 |
| Loan loss allowance to noncurrent loans | 52.7299% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 2.5670% | 1,324 |
| Noncurrent loans to loans | 1.9791% | 2,014 |
| Net loans and leases to total assets | 81.1132% | 482 |
| Net loans and leases to deposits | 97.5163% | 620 |
| Net loans and leases to core deposits | 104.9900% | 857 |
| Total domestic deposits to total assets | 83.1791% | 4,476 |
| Equity capital to assets | 10.8850% | 2,719 |
| Core capital (leverage) ratio | 10.7333% | 2,643 |
| Tier 1 risk-based capital ratio | 12.6242% | 5,217 |
| Total risk-based capital ratio | 13.6938% | 5,267 |
| Memoranda: | ||
| Average total assets | $127,689,200 | 4,119 |
| Average earning assets | $116,680,800 | 4,117 |
| Average equity | $14,253,600 | 4,015 |
| Average total loans | $102,577,800 | 3,390 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2043% | 638 |
| Cost of funding earning assets | 0.7806% | 1,425 |
| Net interest margin | 4.4237% | 850 |
| Noninterest income to average assets | 1.4846% | 669 |
| Noninterest expense to average assets | 4.0940% | 772 |
| Loan and lease loss provision to assets | 0.0628% | 3,787 |
| Net operating income to assets | 0.9626% | 2,532 |
| Return on assets (ROA) | 0.9626% | 2,633 |
| Pretax return on assets | 1.3717% | 2,035 |
| Return on Equity (ROE) | 8.5692% | 2,855 |
| Retained earnings to average equity (ytd only) | 7.8520% | 1,481 |
| Net charge-offs to loans | 0.0511% | 4,173 |
| Credit loss provision to net charge-offs | 153.8462% | 1,534 |
| Earnings coverage of net charge-offs (x) | 35.1529% | 1,099 |
| Efficiency ratio | 74.0537% | 3,062 |
| Assets per employee ($millions) | 2.6210% | 6,362 |
| Cash dividends to net income (ytd only)* | 8.3692% | 3,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 5,652 |
| Loan loss allowance to noncurrent loans | 45.6859% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 2.8234% | 1,315 |
| Noncurrent loans to loans | 2.2212% | 1,992 |
| Net loans and leases to total assets | 80.4334% | 502 |
| Net loans and leases to deposits | 99.2124% | 504 |
| Net loans and leases to core deposits | 106.5993% | 724 |
| Total domestic deposits to total assets | 81.0719% | 5,196 |
| Equity capital to assets | 11.3270% | 2,450 |
| Core capital (leverage) ratio | 11.1901% | 2,314 |
| Tier 1 risk-based capital ratio | 12.7630% | 5,284 |
| Total risk-based capital ratio | 13.7651% | 5,395 |
| Memoranda: | ||
| Average total assets | $127,434,250 | 4,171 |
| Average earning assets | $116,489,500 | 4,163 |
| Average equity | $14,314,500 | 4,057 |
| Average total loans | $101,847,000 | 3,429 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2172% | 617 |
| Cost of funding earning assets | 0.7981% | 1,423 |
| Net interest margin | 4.4190% | 821 |
| Noninterest income to average assets | 1.6711% | 583 |
| Noninterest expense to average assets | 4.1730% | 720 |
| Loan and lease loss provision to assets | 0.0472% | 4,028 |
| Net operating income to assets | 1.0401% | 2,150 |
| Return on assets (ROA) | 1.0401% | 2,275 |
| Pretax return on assets | 1.4933% | 1,633 |
| Return on Equity (ROE) | 9.2857% | 2,501 |
| Retained earnings to average equity (ytd only) | 8.2321% | 1,394 |
| Net charge-offs to loans | -0.0634% | 6,349 |
| Credit loss provision to net charge-offs | -93.7500% | 5,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0377% | 3,301 |
| Assets per employee ($millions) | 2.6356% | 6,367 |
| Cash dividends to net income (ytd only)* | 11.3464% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 5,636 |
| Loan loss allowance to noncurrent loans | 41.8092% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 3.0423% | 1,332 |
| Noncurrent loans to loans | 2.5077% | 1,846 |
| Net loans and leases to total assets | 80.3881% | 500 |
| Net loans and leases to deposits | 103.1773% | 290 |
| Net loans and leases to core deposits | 111.2256% | 514 |
| Total domestic deposits to total assets | 77.9126% | 5,994 |
| Equity capital to assets | 11.0929% | 2,666 |
| Core capital (leverage) ratio | 10.9095% | 2,444 |
| Tier 1 risk-based capital ratio | 12.4238% | 5,551 |
| Total risk-based capital ratio | 13.4490% | 5,623 |
| Memoranda: | ||
| Average total assets | $127,103,000 | 4,202 |
| Average earning assets | $116,270,330 | 4,194 |
| Average equity | $14,237,000 | 4,102 |
| Average total loans | $101,010,000 | 3,458 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2002% | 603 |
| Cost of funding earning assets | 0.8275% | 1,384 |
| Net interest margin | 4.3727% | 839 |
| Noninterest income to average assets | 1.4784% | 707 |
| Noninterest expense to average assets | 4.2100% | 704 |
| Loan and lease loss provision to assets | 0.0952% | 3,077 |
| Net operating income to assets | 0.8185% | 3,056 |
| Return on assets (ROA) | 0.8185% | 3,199 |
| Pretax return on assets | 1.1802% | 2,647 |
| Return on Equity (ROE) | 7.2714% | 3,341 |
| Retained earnings to average equity (ytd only) | 7.2714% | 2,037 |
| Net charge-offs to loans | -0.0081% | 5,376 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7496% | 2,804 |
| Assets per employee ($millions) | 2.5593% | 6,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0701% | 5,714 |
| Loan loss allowance to noncurrent loans | 45.8637% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 3.0038% | 1,495 |
| Noncurrent loans to loans | 2.3333% | 2,246 |
| Net loans and leases to total assets | 78.8776% | 524 |
| Net loans and leases to deposits | 95.9652% | 545 |
| Net loans and leases to core deposits | 103.1373% | 759 |
| Total domestic deposits to total assets | 82.1940% | 5,129 |
| Equity capital to assets | 11.4100% | 2,507 |
| Core capital (leverage) ratio | 11.1165% | 2,165 |
| Tier 1 risk-based capital ratio | 12.1377% | 5,830 |
| Total risk-based capital ratio | 13.1379% | 5,948 |
| Memoranda: | ||
| Average total assets | $126,081,500 | 4,261 |
| Average earning assets | $115,535,000 | 4,255 |
| Average equity | $14,192,500 | 4,160 |
| Average total loans | $99,056,000 | 3,533 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4196% | 735 |
| Cost of funding earning assets | 1.0417% | 1,158 |
| Net interest margin | 4.3779% | 1,206 |
| Noninterest income to average assets | 1.2928% | 924 |
| Noninterest expense to average assets | 3.9196% | 1,080 |
| Loan and lease loss provision to assets | 0.0475% | 5,233 |
| Net operating income to assets | 0.9255% | 2,674 |
| Return on assets (ROA) | 0.9255% | 2,920 |
| Pretax return on assets | 1.3482% | 2,220 |
| Return on Equity (ROE) | 8.3031% | 2,957 |
| Retained earnings to average equity (ytd only) | 2.1592% | 4,713 |
| Net charge-offs to loans | 0.1436% | 4,258 |
| Credit loss provision to net charge-offs | 43.1655% | 4,858 |
| Earnings coverage of net charge-offs (x) | 12.6835% | 1,902 |
| Efficiency ratio | 73.7414% | 3,106 |
| Assets per employee ($millions) | 2.6408% | 6,493 |
| Cash dividends to net income (ytd only)* | 73.9949% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 5,729 |
| Loan loss allowance to noncurrent loans | 45.8481% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 3.0492% | 1,549 |
| Noncurrent loans to loans | 2.3073% | 2,344 |
| Net loans and leases to total assets | 76.5928% | 841 |
| Net loans and leases to deposits | 91.8766% | 918 |
| Net loans and leases to core deposits | 100.6521% | 986 |
| Total domestic deposits to total assets | 83.3649% | 4,577 |
| Equity capital to assets | 11.1048% | 2,829 |
| Core capital (leverage) ratio | 10.7164% | 2,527 |
| Tier 1 risk-based capital ratio | 12.1568% | 5,682 |
| Total risk-based capital ratio | 13.1475% | 5,805 |
| Memoranda: | ||
| Average total assets | $126,313,400 | 4,223 |
| Average earning assets | $116,059,800 | 4,209 |
| Average equity | $14,079,000 | 4,139 |
| Average total loans | $96,820,400 | 3,600 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4623% | 743 |
| Cost of funding earning assets | 1.0862% | 1,119 |
| Net interest margin | 4.3760% | 1,259 |
| Noninterest income to average assets | 1.0945% | 1,256 |
| Noninterest expense to average assets | 3.7875% | 1,232 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9107% | 2,928 |
| Return on assets (ROA) | 0.9107% | 3,160 |
| Pretax return on assets | 1.3248% | 2,513 |
| Return on Equity (ROE) | 8.1628% | 3,203 |
| Retained earnings to average equity (ytd only) | 6.0321% | 2,682 |
| Net charge-offs to loans | 0.1244% | 4,132 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 13.9330% | 1,876 |
| Efficiency ratio | 74.0856% | 2,970 |
| Assets per employee ($millions) | 2.5973% | 6,607 |
| Cash dividends to net income (ytd only)* | 26.1020% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 5,871 |
| Loan loss allowance to noncurrent loans | 40.2903% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 3.4612% | 1,451 |
| Noncurrent loans to loans | 2.6185% | 2,175 |
| Net loans and leases to total assets | 77.2590% | 823 |
| Net loans and leases to deposits | 93.2013% | 853 |
| Net loans and leases to core deposits | 102.0437% | 981 |
| Total domestic deposits to total assets | 82.8947% | 4,679 |
| Equity capital to assets | 11.5971% | 2,650 |
| Core capital (leverage) ratio | 10.9047% | 2,483 |
| Tier 1 risk-based capital ratio | 12.9403% | 5,299 |
| Total risk-based capital ratio | 13.9600% | 5,438 |
| Memoranda: | ||
| Average total assets | $126,202,750 | 4,268 |
| Average earning assets | $115,870,500 | 4,249 |
| Average equity | $14,079,750 | 4,179 |
| Average total loans | $96,494,500 | 3,644 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5097% | 706 |
| Cost of funding earning assets | 1.1122% | 1,164 |
| Net interest margin | 4.3974% | 1,206 |
| Noninterest income to average assets | 1.0512% | 1,314 |
| Noninterest expense to average assets | 3.6428% | 1,484 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9896% | 2,514 |
| Return on assets (ROA) | 0.9896% | 2,743 |
| Pretax return on assets | 1.4458% | 2,026 |
| Return on Equity (ROE) | 8.9869% | 2,820 |
| Retained earnings to average equity (ytd only) | 5.9053% | 2,758 |
| Net charge-offs to loans | 0.1580% | 3,658 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 12.0526% | 1,912 |
| Efficiency ratio | 71.5881% | 3,499 |
| Assets per employee ($millions) | 2.6727% | 6,567 |
| Cash dividends to net income (ytd only)* | 34.2903% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 5,752 |
| Loan loss allowance to noncurrent loans | 47.4044% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 3.7336% | 1,395 |
| Noncurrent loans to loans | 2.3306% | 2,565 |
| Net loans and leases to total assets | 74.1824% | 1,215 |
| Net loans and leases to deposits | 89.1671% | 1,236 |
| Net loans and leases to core deposits | 97.2653% | 1,322 |
| Total domestic deposits to total assets | 83.1948% | 4,681 |
| Equity capital to assets | 11.2780% | 2,821 |
| Core capital (leverage) ratio | 10.6753% | 2,634 |
| Tier 1 risk-based capital ratio | 13.0873% | 5,123 |
| Total risk-based capital ratio | 14.1494% | 5,233 |
| Memoranda: | ||
| Average total assets | $126,714,000 | 4,274 |
| Average earning assets | $116,341,000 | 4,264 |
| Average equity | $13,953,670 | 4,205 |
| Average total loans | $96,211,000 | 3,662 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5986% | 625 |
| Cost of funding earning assets | 1.1409% | 1,212 |
| Net interest margin | 4.4577% | 1,094 |
| Noninterest income to average assets | 1.0026% | 1,417 |
| Noninterest expense to average assets | 3.3254% | 2,216 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2069% | 1,716 |
| Return on assets (ROA) | 1.2069% | 1,899 |
| Pretax return on assets | 1.7790% | 1,126 |
| Return on Equity (ROE) | 11.0927% | 1,989 |
| Retained earnings to average equity (ytd only) | 8.4062% | 1,819 |
| Net charge-offs to loans | 0.1358% | 3,292 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 17.1515% | 1,318 |
| Efficiency ratio | 65.1478% | 4,709 |
| Assets per employee ($millions) | 2.9061% | 6,342 |
| Cash dividends to net income (ytd only)* | 24.2188% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 5,797 |
| Loan loss allowance to noncurrent loans | 40.3574% | 5,594 |
| Noncurrent assets plus other real estate owned to assets | 3.6170% | 1,572 |
| Noncurrent loans to loans | 2.8039% | 2,304 |
| Net loans and leases to total assets | 74.0674% | 1,046 |
| Net loans and leases to deposits | 88.8328% | 1,073 |
| Net loans and leases to core deposits | 97.4603% | 1,169 |
| Total domestic deposits to total assets | 83.3784% | 4,771 |
| Equity capital to assets | 10.9478% | 2,964 |
| Core capital (leverage) ratio | 10.6341% | 2,614 |
| Tier 1 risk-based capital ratio | 13.0751% | 5,150 |
| Total risk-based capital ratio | 14.1878% | 5,230 |
| Memoranda: | ||
| Average total assets | $127,263,000 | 4,298 |
| Average earning assets | $117,101,500 | 4,270 |
| Average equity | $13,847,000 | 4,227 |
| Average total loans | $97,203,500 | 3,656 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1648% | 330 |
| Cost of funding earning assets | 1.3097% | 1,437 |
| Net interest margin | 4.8552% | 566 |
| Noninterest income to average assets | 0.9531% | 1,499 |
| Noninterest expense to average assets | 3.8966% | 1,189 |
| Loan and lease loss provision to assets | 0.2164% | 4,027 |
| Net operating income to assets | 0.9085% | 2,564 |
| Return on assets (ROA) | 0.9085% | 2,690 |
| Pretax return on assets | 1.2950% | 2,147 |
| Return on Equity (ROE) | 8.1865% | 2,814 |
| Retained earnings to average equity (ytd only) | 4.2793% | 3,137 |
| Net charge-offs to loans | 0.2780% | 4,034 |
| Credit loss provision to net charge-offs | 96.6790% | 3,726 |
| Earnings coverage of net charge-offs (x) | 6.7528% | 2,456 |
| Efficiency ratio | 72.0525% | 3,568 |
| Assets per employee ($millions) | 2.8146% | 6,438 |
| Cash dividends to net income (ytd only)* | 47.7273% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1327% | 5,691 |
| Loan loss allowance to noncurrent loans | 38.2272% | 5,714 |
| Noncurrent assets plus other real estate owned to assets | 3.9011% | 1,474 |
| Noncurrent loans to loans | 2.9631% | 2,188 |
| Net loans and leases to total assets | 76.9770% | 826 |
| Net loans and leases to deposits | 92.8136% | 899 |
| Net loans and leases to core deposits | 103.6883% | 919 |
| Total domestic deposits to total assets | 82.9372% | 4,775 |
| Equity capital to assets | 10.8128% | 3,181 |
| Core capital (leverage) ratio | 10.4958% | 2,737 |
| Tier 1 risk-based capital ratio | 12.6941% | 5,312 |
| Total risk-based capital ratio | 13.8303% | 5,374 |
| Memoranda: | ||
| Average total assets | $121,079,600 | 4,369 |
| Average earning assets | $111,097,600 | 4,371 |
| Average equity | $13,436,800 | 4,251 |
| Average total loans | $97,486,000 | 3,684 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2995% | 268 |
| Cost of funding earning assets | 1.3382% | 1,508 |
| Net interest margin | 4.9613% | 449 |
| Noninterest income to average assets | 0.9168% | 1,590 |
| Noninterest expense to average assets | 3.9224% | 1,118 |
| Loan and lease loss provision to assets | 0.2027% | 3,990 |
| Net operating income to assets | 0.8934% | 2,765 |
| Return on assets (ROA) | 0.8934% | 2,916 |
| Pretax return on assets | 1.3390% | 2,154 |
| Return on Equity (ROE) | 7.9965% | 3,039 |
| Retained earnings to average equity (ytd only) | 7.9965% | 1,508 |
| Net charge-offs to loans | 0.3251% | 3,470 |
| Credit loss provision to net charge-offs | 76.7932% | 4,249 |
| Earnings coverage of net charge-offs (x) | 5.8397% | 2,685 |
| Efficiency ratio | 71.7839% | 3,595 |
| Assets per employee ($millions) | 2.6180% | 6,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 6,011 |
| Loan loss allowance to noncurrent loans | 45.1708% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 3.5955% | 1,745 |
| Noncurrent loans to loans | 2.3557% | 2,946 |
| Net loans and leases to total assets | 80.9288% | 429 |
| Net loans and leases to deposits | 98.0205% | 576 |
| Net loans and leases to core deposits | 109.9374% | 678 |
| Total domestic deposits to total assets | 82.5631% | 4,852 |
| Equity capital to assets | 11.3350% | 2,827 |
| Core capital (leverage) ratio | 10.8048% | 2,569 |
| Tier 1 risk-based capital ratio | 12.8863% | 5,181 |
| Total risk-based capital ratio | 13.9761% | 5,290 |
| Memoranda: | ||
| Average total assets | $119,685,500 | 4,434 |
| Average earning assets | $109,699,500 | 4,425 |
| Average equity | $13,372,250 | 4,276 |
| Average total loans | $97,204,250 | 3,718 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3475% | 259 |
| Cost of funding earning assets | 1.3583% | 1,608 |
| Net interest margin | 4.9891% | 403 |
| Noninterest income to average assets | 1.0543% | 1,181 |
| Noninterest expense to average assets | 3.8713% | 1,243 |
| Loan and lease loss provision to assets | 0.0843% | 5,260 |
| Net operating income to assets | 1.0964% | 1,879 |
| Return on assets (ROA) | 1.0964% | 1,967 |
| Pretax return on assets | 1.6649% | 1,124 |
| Return on Equity (ROE) | 9.8629% | 2,167 |
| Retained earnings to average equity (ytd only) | 9.8629% | 885 |
| Net charge-offs to loans | 0.1166% | 4,534 |
| Credit loss provision to net charge-offs | 89.2857% | 3,472 |
| Earnings coverage of net charge-offs (x) | 18.5179% | 1,254 |
| Efficiency ratio | 68.8776% | 4,348 |
| Assets per employee ($millions) | 2.6654% | 6,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 5,833 |
| Loan loss allowance to noncurrent loans | 54.9777% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 3.6703% | 1,780 |
| Noncurrent loans to loans | 2.0527% | 3,406 |
| Net loans and leases to total assets | 79.3177% | 610 |
| Net loans and leases to deposits | 95.9461% | 726 |
| Net loans and leases to core deposits | 105.6033% | 951 |
| Total domestic deposits to total assets | 82.6690% | 4,920 |
| Equity capital to assets | 11.1372% | 2,827 |
| Core capital (leverage) ratio | 10.9643% | 2,281 |
| Tier 1 risk-based capital ratio | 13.1741% | 4,783 |
| Total risk-based capital ratio | 14.3502% | 4,814 |
| Memoranda: | ||
| Average total assets | $118,566,000 | 4,501 |
| Average earning assets | $108,515,670 | 4,488 |
| Average equity | $13,180,670 | 4,299 |
| Average total loans | $96,056,000 | 3,795 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4485% | 231 |
| Cost of funding earning assets | 1.4263% | 1,486 |
| Net interest margin | 5.0222% | 366 |
| Noninterest income to average assets | 0.9953% | 1,343 |
| Noninterest expense to average assets | 3.8474% | 1,254 |
| Loan and lease loss provision to assets | 0.0686% | 5,134 |
| Net operating income to assets | 1.0640% | 1,964 |
| Return on assets (ROA) | 1.0640% | 2,015 |
| Pretax return on assets | 1.6715% | 1,031 |
| Return on Equity (ROE) | 9.5801% | 2,256 |
| Retained earnings to average equity (ytd only) | 9.5801% | 1,219 |
| Net charge-offs to loans | 0.0253% | 4,734 |
| Credit loss provision to net charge-offs | 333.3333% | 968 |
| Earnings coverage of net charge-offs (x) | 84.5000% | 363 |
| Efficiency ratio | 68.8575% | 4,501 |
| Assets per employee ($millions) | 2.5609% | 6,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 5,745 |
| Loan loss allowance to noncurrent loans | 39.1410% | 5,688 |
| Noncurrent assets plus other real estate owned to assets | 3.9634% | 1,680 |
| Noncurrent loans to loans | 3.0026% | 2,508 |
| Net loans and leases to total assets | 80.6601% | 455 |
| Net loans and leases to deposits | 99.5881% | 494 |
| Net loans and leases to core deposits | 109.5407% | 753 |
| Total domestic deposits to total assets | 80.9937% | 5,654 |
| Equity capital to assets | 11.1406% | 2,546 |
| Core capital (leverage) ratio | 10.9004% | 2,264 |
| Tier 1 risk-based capital ratio | 12.6278% | 5,138 |
| Total risk-based capital ratio | 13.8047% | 5,190 |
| Memoranda: | ||
| Average total assets | $116,545,500 | 4,576 |
| Average earning assets | $106,567,000 | 4,578 |
| Average equity | $12,943,500 | 4,347 |
| Average total loans | $94,904,500 | 3,860 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4396% | 346 |
| Cost of funding earning assets | 1.8350% | 1,047 |
| Net interest margin | 4.6046% | 1,001 |
| Noninterest income to average assets | 1.1134% | 1,194 |
| Noninterest expense to average assets | 4.0093% | 1,147 |
| Loan and lease loss provision to assets | 0.0294% | 6,836 |
| Net operating income to assets | 0.8480% | 2,595 |
| Return on assets (ROA) | 0.8480% | 2,734 |
| Pretax return on assets | 1.2653% | 2,030 |
| Return on Equity (ROE) | 8.0878% | 2,672 |
| Retained earnings to average equity (ytd only) | 6.9907% | 1,328 |
| Net charge-offs to loans | 0.1213% | 5,677 |
| Credit loss provision to net charge-offs | 30.7018% | 6,487 |
| Earnings coverage of net charge-offs (x) | 13.5263% | 1,408 |
| Efficiency ratio | 75.5897% | 3,112 |
| Assets per employee ($millions) | 2.5063% | 7,004 |
| Cash dividends to net income (ytd only)* | 13.5644% | 3,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 5,562 |
| Loan loss allowance to noncurrent loans | 36.1633% | 5,903 |
| Noncurrent assets plus other real estate owned to assets | 4.3257% | 1,543 |
| Noncurrent loans to loans | 3.2949% | 2,300 |
| Net loans and leases to total assets | 80.2711% | 633 |
| Net loans and leases to deposits | 102.6180% | 461 |
| Net loans and leases to core deposits | 108.4632% | 1,017 |
| Total domestic deposits to total assets | 78.2232% | 6,270 |
| Equity capital to assets | 11.0705% | 2,628 |
| Core capital (leverage) ratio | 10.5483% | 2,510 |
| Tier 1 risk-based capital ratio | 12.0009% | 5,474 |
| Total risk-based capital ratio | 13.1336% | 5,571 |
| Memoranda: | ||
| Average total assets | $119,097,600 | 4,499 |
| Average earning assets | $108,391,400 | 4,502 |
| Average equity | $12,488,000 | 4,482 |
| Average total loans | $94,005,800 | 3,952 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3997% | 414 |
| Cost of funding earning assets | 1.9011% | 1,025 |
| Net interest margin | 4.4986% | 1,258 |
| Noninterest income to average assets | 1.0084% | 1,445 |
| Noninterest expense to average assets | 3.8061% | 1,368 |
| Loan and lease loss provision to assets | 0.0178% | 6,873 |
| Net operating income to assets | 0.8741% | 2,715 |
| Return on assets (ROA) | 0.8741% | 2,851 |
| Pretax return on assets | 1.2739% | 2,250 |
| Return on Equity (ROE) | 8.4491% | 2,716 |
| Retained earnings to average equity (ytd only) | 8.4491% | 1,257 |
| Net charge-offs to loans | 0.1445% | 5,145 |
| Credit loss provision to net charge-offs | 15.6863% | 6,286 |
| Earnings coverage of net charge-offs (x) | 11.4017% | 1,794 |
| Efficiency ratio | 74.6623% | 3,206 |
| Assets per employee ($millions) | 2.6028% | 6,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 5,539 |
| Loan loss allowance to noncurrent loans | 37.2273% | 5,863 |
| Noncurrent assets plus other real estate owned to assets | 3.9840% | 1,758 |
| Noncurrent loans to loans | 3.2026% | 2,486 |
| Net loans and leases to total assets | 76.7627% | 1,268 |
| Net loans and leases to deposits | 96.7575% | 903 |
| Net loans and leases to core deposits | 101.5020% | 1,700 |
| Total domestic deposits to total assets | 79.3352% | 5,920 |
| Equity capital to assets | 10.7968% | 3,170 |
| Core capital (leverage) ratio | 10.3158% | 2,895 |
| Tier 1 risk-based capital ratio | 12.2528% | 5,217 |
| Total risk-based capital ratio | 13.4021% | 5,279 |
| Memoranda: | ||
| Average total assets | $120,050,000 | 4,539 |
| Average earning assets | $109,127,250 | 4,550 |
| Average equity | $12,419,250 | 4,566 |
| Average total loans | $94,092,500 | 4,016 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4011% | 412 |
| Cost of funding earning assets | 1.9567% | 1,023 |
| Net interest margin | 4.4444% | 1,335 |
| Noninterest income to average assets | 0.8755% | 1,779 |
| Noninterest expense to average assets | 3.7135% | 1,533 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8173% | 2,891 |
| Return on assets (ROA) | 0.8173% | 3,039 |
| Pretax return on assets | 1.1884% | 2,452 |
| Return on Equity (ROE) | 8.0163% | 2,878 |
| Retained earnings to average equity (ytd only) | 8.0163% | 1,433 |
| Net charge-offs to loans | -0.1376% | 7,597 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7555% | 3,116 |
| Assets per employee ($millions) | 2.6390% | 6,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 4,987 |
| Loan loss allowance to noncurrent loans | 46.2555% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 3.5208% | 1,990 |
| Noncurrent loans to loans | 2.7877% | 2,867 |
| Net loans and leases to total assets | 79.4583% | 885 |
| Net loans and leases to deposits | 100.0529% | 719 |
| Net loans and leases to core deposits | 104.3286% | 1,612 |
| Total domestic deposits to total assets | 79.4163% | 5,915 |
| Equity capital to assets | 10.2964% | 3,655 |
| Core capital (leverage) ratio | 10.1285% | 3,023 |
| Tier 1 risk-based capital ratio | 12.1999% | 5,130 |
| Total risk-based capital ratio | 13.4507% | 5,100 |
| Memoranda: | ||
| Average total assets | $120,156,670 | 4,565 |
| Average earning assets | $108,855,670 | 4,586 |
| Average equity | $12,250,000 | 4,612 |
| Average total loans | $94,451,000 | 4,052 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4234% | 415 |
| Cost of funding earning assets | 2.0064% | 1,064 |
| Net interest margin | 4.4170% | 1,343 |
| Noninterest income to average assets | 0.7328% | 2,393 |
| Noninterest expense to average assets | 3.5001% | 1,983 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8365% | 2,805 |
| Return on assets (ROA) | 0.8365% | 2,904 |
| Pretax return on assets | 1.2180% | 2,304 |
| Return on Equity (ROE) | 8.2471% | 2,753 |
| Retained earnings to average equity (ytd only) | 8.2471% | 1,605 |
| Net charge-offs to loans | -0.5042% | 7,799 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1844% | 3,549 |
| Assets per employee ($millions) | 2.6710% | 6,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3960% | 4,439 |
| Loan loss allowance to noncurrent loans | 53.1820% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 3.4037% | 2,082 |
| Noncurrent loans to loans | 2.6249% | 3,041 |
| Net loans and leases to total assets | 77.1029% | 1,311 |
| Net loans and leases to deposits | 97.0622% | 994 |
| Net loans and leases to core deposits | 101.2632% | 1,998 |
| Total domestic deposits to total assets | 79.4366% | 5,980 |
| Equity capital to assets | 10.2260% | 3,570 |
| Core capital (leverage) ratio | 9.9915% | 3,172 |
| Tier 1 risk-based capital ratio | 12.0241% | 5,173 |
| Total risk-based capital ratio | 13.2760% | 5,131 |
| Memoranda: | ||
| Average total assets | $119,539,000 | 4,640 |
| Average earning assets | $107,856,000 | 4,660 |
| Average equity | $12,125,500 | 4,685 |
| Average total loans | $92,818,500 | 4,143 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4859% | 690 |
| Cost of funding earning assets | 2.5536% | 889 |
| Net interest margin | 3.9323% | 3,152 |
| Noninterest income to average assets | 1.0219% | 1,499 |
| Noninterest expense to average assets | 3.8522% | 1,597 |
| Loan and lease loss provision to assets | 0.3219% | 4,884 |
| Net operating income to assets | 0.3355% | 4,390 |
| Return on assets (ROA) | 0.3361% | 4,477 |
| Pretax return on assets | 0.4462% | 4,363 |
| Return on Equity (ROE) | 3.4083% | 4,330 |
| Retained earnings to average equity (ytd only) | 3.4083% | 2,783 |
| Net charge-offs to loans | 0.0845% | 6,271 |
| Credit loss provision to net charge-offs | 497.4026% | 620 |
| Earnings coverage of net charge-offs (x) | 11.8571% | 1,562 |
| Efficiency ratio | 83.3909% | 2,431 |
| Assets per employee ($millions) | 2.7019% | 6,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3038% | 4,734 |
| Loan loss allowance to noncurrent loans | 50.6785% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 3.4858% | 1,932 |
| Noncurrent loans to loans | 2.5728% | 2,983 |
| Net loans and leases to total assets | 76.0885% | 1,773 |
| Net loans and leases to deposits | 95.5377% | 1,390 |
| Net loans and leases to core deposits | 118.1394% | 2,114 |
| Total domestic deposits to total assets | 79.6423% | 5,795 |
| Equity capital to assets | 10.0602% | 3,681 |
| Core capital (leverage) ratio | 9.7322% | 3,410 |
| Tier 1 risk-based capital ratio | 12.3832% | 4,611 |
| Total risk-based capital ratio | 13.6342% | 4,578 |
| Memoranda: | ||
| Average total assets | $118,995,600 | 4,606 |
| Average earning assets | $108,867,400 | 4,600 |
| Average equity | $11,736,200 | 4,808 |
| Average total loans | $91,148,200 | 4,183 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4176% | 895 |
| Cost of funding earning assets | 2.6396% | 931 |
| Net interest margin | 3.7781% | 3,748 |
| Noninterest income to average assets | 1.0082% | 1,578 |
| Noninterest expense to average assets | 3.7336% | 1,741 |
| Loan and lease loss provision to assets | 0.2610% | 4,867 |
| Net operating income to assets | 0.3473% | 4,611 |
| Return on assets (ROA) | 0.3473% | 4,710 |
| Pretax return on assets | 0.4929% | 4,538 |
| Return on Equity (ROE) | 3.5386% | 4,560 |
| Retained earnings to average equity (ytd only) | 3.5386% | 3,314 |
| Net charge-offs to loans | 0.0615% | 6,087 |
| Credit loss provision to net charge-offs | 554.7619% | 702 |
| Earnings coverage of net charge-offs (x) | 16.0234% | 1,498 |
| Efficiency ratio | 83.2002% | 2,406 |
| Assets per employee ($millions) | 2.7326% | 6,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 5,195 |
| Loan loss allowance to noncurrent loans | 51.4041% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 3.5189% | 1,885 |
| Noncurrent loans to loans | 2.3046% | 3,259 |
| Net loans and leases to total assets | 74.9241% | 2,262 |
| Net loans and leases to deposits | 97.9195% | 1,341 |
| Net loans and leases to core deposits | 125.0746% | 1,806 |
| Total domestic deposits to total assets | 76.5160% | 6,470 |
| Equity capital to assets | 9.8757% | 4,238 |
| Core capital (leverage) ratio | 9.7338% | 3,597 |
| Tier 1 risk-based capital ratio | 11.8118% | 5,151 |
| Total risk-based capital ratio | 12.9593% | 5,182 |
| Memoranda: | ||
| Average total assets | $119,023,500 | 4,627 |
| Average earning assets | $109,611,750 | 4,604 |
| Average equity | $11,680,250 | 4,872 |
| Average total loans | $91,022,250 | 4,217 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5023% | 821 |
| Cost of funding earning assets | 2.7287% | 967 |
| Net interest margin | 3.7737% | 3,658 |
| Noninterest income to average assets | 1.3421% | 847 |
| Noninterest expense to average assets | 3.8577% | 1,562 |
| Loan and lease loss provision to assets | 0.1669% | 5,397 |
| Net operating income to assets | 0.5446% | 3,906 |
| Return on assets (ROA) | 0.5446% | 4,026 |
| Pretax return on assets | 0.7941% | 3,691 |
| Return on Equity (ROE) | 5.5615% | 3,831 |
| Retained earnings to average equity (ytd only) | 5.5615% | 2,220 |
| Net charge-offs to loans | 0.0703% | 5,522 |
| Credit loss provision to net charge-offs | 309.3750% | 1,505 |
| Earnings coverage of net charge-offs (x) | 17.8125% | 1,450 |
| Efficiency ratio | 80.0560% | 3,034 |
| Assets per employee ($millions) | 2.7473% | 6,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 5,922 |
| Loan loss allowance to noncurrent loans | 46.0501% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 2.3566% | 2,757 |
| Noncurrent loans to loans | 2.2762% | 3,163 |
| Net loans and leases to total assets | 76.3946% | 2,082 |
| Net loans and leases to deposits | 97.4127% | 1,612 |
| Net loans and leases to core deposits | 125.5904% | 1,910 |
| Total domestic deposits to total assets | 78.4237% | 5,970 |
| Equity capital to assets | 9.9421% | 4,028 |
| Core capital (leverage) ratio | 9.8672% | 3,433 |
| Tier 1 risk-based capital ratio | 11.9077% | 4,993 |
| Total risk-based capital ratio | 12.9295% | 5,148 |
| Memoranda: | ||
| Average total assets | $118,619,670 | 4,672 |
| Average earning assets | $109,283,670 | 4,644 |
| Average equity | $11,615,670 | 4,915 |
| Average total loans | $90,974,670 | 4,255 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5572% | 775 |
| Cost of funding earning assets | 2.8457% | 875 |
| Net interest margin | 3.7115% | 3,841 |
| Noninterest income to average assets | 1.1879% | 1,027 |
| Noninterest expense to average assets | 3.5436% | 1,992 |
| Loan and lease loss provision to assets | 0.1649% | 4,819 |
| Net operating income to assets | 0.6091% | 3,979 |
| Return on assets (ROA) | 0.6091% | 4,174 |
| Pretax return on assets | 0.8985% | 3,720 |
| Return on Equity (ROE) | 6.2679% | 3,924 |
| Retained earnings to average equity (ytd only) | 6.2679% | 2,515 |
| Net charge-offs to loans | 0.0132% | 5,422 |
| Credit loss provision to net charge-offs | 1,633.3333% | 380 |
| Earnings coverage of net charge-offs (x) | 105.3333% | 413 |
| Efficiency ratio | 76.9175% | 3,342 |
| Assets per employee ($millions) | 2.6944% | 6,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0385% | 5,874 |
| Loan loss allowance to noncurrent loans | 55.3910% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 2.3652% | 2,422 |
| Noncurrent loans to loans | 1.8749% | 3,452 |
| Net loans and leases to total assets | 75.1514% | 2,465 |
| Net loans and leases to deposits | 95.5033% | 2,027 |
| Net loans and leases to core deposits | 122.5566% | 2,200 |
| Total domestic deposits to total assets | 78.6899% | 5,826 |
| Equity capital to assets | 9.8546% | 4,175 |
| Core capital (leverage) ratio | 9.6868% | 3,774 |
| Tier 1 risk-based capital ratio | 12.5512% | 4,510 |
| Total risk-based capital ratio | 13.6157% | 4,571 |
| Memoranda: | ||
| Average total assets | $118,862,500 | 4,684 |
| Average earning assets | $109,498,500 | 4,657 |
| Average equity | $11,551,000 | 4,968 |
| Average total loans | $90,860,000 | 4,285 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0637% | 986 |
| Cost of funding earning assets | 3.4228% | 671 |
| Net interest margin | 3.6409% | 4,718 |
| Noninterest income to average assets | 0.8614% | 2,158 |
| Noninterest expense to average assets | 3.2997% | 2,959 |
| Loan and lease loss provision to assets | 0.6802% | 2,138 |
| Net operating income to assets | 0.1674% | 5,943 |
| Return on assets (ROA) | 0.1663% | 5,779 |
| Pretax return on assets | 0.2470% | 5,636 |
| Return on Equity (ROE) | 1.7809% | 5,678 |
| Retained earnings to average equity (ytd only) | 1.7809% | 4,132 |
| Net charge-offs to loans | 0.9145% | 1,354 |
| Credit loss provision to net charge-offs | 94.6163% | 5,553 |
| Earnings coverage of net charge-offs (x) | 1.2921% | 5,483 |
| Efficiency ratio | 78.0331% | 2,914 |
| Assets per employee ($millions) | 2.7714% | 6,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 6,265 |
| Loan loss allowance to noncurrent loans | 181.7996% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 1.5062% | 3,208 |
| Noncurrent loans to loans | 0.5333% | 5,758 |
| Net loans and leases to total assets | 76.1939% | 2,569 |
| Net loans and leases to deposits | 99.8614% | 1,846 |
| Net loans and leases to core deposits | 132.4383% | 1,694 |
| Total domestic deposits to total assets | 76.2996% | 6,169 |
| Equity capital to assets | 9.5820% | 4,569 |
| Core capital (leverage) ratio | 9.3776% | 4,189 |
| Tier 1 risk-based capital ratio | 12.7288% | 4,271 |
| Total risk-based capital ratio | 13.7723% | 4,323 |
| Memoranda: | ||
| Average total assets | $121,434,800 | 4,484 |
| Average earning assets | $112,306,400 | 4,462 |
| Average equity | $11,342,400 | 5,027 |
| Average total loans | $95,462,200 | 4,070 |