Home > Lake Federal Bank, FSB > Performance and Condition Ratios
Lake Federal Bank, FSB, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6010% | 4,584 |
| Cost of funding earning assets | 0.3001% | 4,129 |
| Net interest margin | 3.3009% | 4,228 |
| Noninterest income to average assets | 0.1151% | 5,725 |
| Noninterest expense to average assets | 4.4393% | 405 |
| Loan and lease loss provision to assets | 0.0373% | 3,412 |
| Net operating income to assets | -1.3159% | 5,993 |
| Return on assets (ROA) | -1.3159% | 5,995 |
| Pretax return on assets | -1.3159% | 5,986 |
| Return on Equity (ROE) | -5.9183% | 5,939 |
| Retained earnings to average equity (ytd only) | -5.9183% | 5,783 |
| Net charge-offs to loans | 0.2960% | 808 |
| Credit loss provision to net charge-offs | 17.3913% | 2,950 |
| Earnings coverage of net charge-offs (x) | -5.9565% | 3,633 |
| Efficiency ratio | 140.4528% | 51 |
| Assets per employee ($millions) | 3.6775% | 4,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4456% | 5,850 |
| Loan loss allowance to noncurrent loans | 323.4375% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 5,104 |
| Noncurrent loans to loans | 0.1378% | 4,885 |
| Net loans and leases to total assets | 73.9783% | 1,846 |
| Net loans and leases to deposits | 96.4244% | 1,037 |
| Net loans and leases to core deposits | 99.5909% | 1,667 |
| Total domestic deposits to total assets | 76.7215% | 5,192 |
| Equity capital to assets | 22.4291% | 147 |
| Core capital (leverage) ratio | 22.0245% | 135 |
| Tier 1 risk-based capital ratio | 47.1697% | 159 |
| Total risk-based capital ratio | 47.8668% | 159 |
| Memoranda: | ||
| Average total assets | $64,289,330 | 5,140 |
| Average earning assets | $59,316,330 | 5,131 |
| Average equity | $14,294,670 | 3,955 |
| Average total loans | $46,624,000 | 4,755 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6264% | 4,550 |
| Cost of funding earning assets | 0.3145% | 4,009 |
| Net interest margin | 3.3119% | 4,182 |
| Noninterest income to average assets | 0.1412% | 5,643 |
| Noninterest expense to average assets | 3.1668% | 1,914 |
| Loan and lease loss provision to assets | 0.0552% | 2,840 |
| Net operating income to assets | -0.0430% | 5,812 |
| Return on assets (ROA) | -0.0430% | 5,833 |
| Pretax return on assets | -0.0430% | 5,836 |
| Return on Equity (ROE) | -0.1940% | 5,827 |
| Retained earnings to average equity (ytd only) | -0.1940% | 5,137 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6139% | 301 |
| Assets per employee ($millions) | 3.6003% | 4,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5895% | 5,759 |
| Loan loss allowance to noncurrent loans | 853.1250% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 5,427 |
| Noncurrent loans to loans | 0.0691% | 5,202 |
| Net loans and leases to total assets | 71.0443% | 2,184 |
| Net loans and leases to deposits | 92.2776% | 1,309 |
| Net loans and leases to core deposits | 95.9128% | 1,808 |
| Total domestic deposits to total assets | 76.9898% | 5,289 |
| Equity capital to assets | 22.2680% | 149 |
| Core capital (leverage) ratio | 22.2058% | 133 |
| Tier 1 risk-based capital ratio | 46.6147% | 156 |
| Total risk-based capital ratio | 47.4970% | 157 |
| Memoranda: | ||
| Average total assets | $65,175,500 | 5,174 |
| Average earning assets | $59,784,500 | 5,166 |
| Average equity | $14,431,000 | 3,942 |
| Average total loans | $46,708,000 | 4,779 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6338% | 4,579 |
| Cost of funding earning assets | 0.2837% | 4,434 |
| Net interest margin | 3.3502% | 4,109 |
| Noninterest income to average assets | 0.1500% | 5,665 |
| Noninterest expense to average assets | 2.8690% | 2,971 |
| Loan and lease loss provision to assets | 0.0857% | 2,577 |
| Net operating income to assets | 0.1822% | 5,614 |
| Return on assets (ROA) | 0.1822% | 5,665 |
| Pretax return on assets | 0.2511% | 5,612 |
| Return on Equity (ROE) | 0.8273% | 5,799 |
| Retained earnings to average equity (ytd only) | 0.8273% | 5,191 |
| Net charge-offs to loans | 0.1271% | 2,104 |
| Credit loss provision to net charge-offs | 94.9153% | 2,657 |
| Earnings coverage of net charge-offs (x) | 3.7288% | 3,674 |
| Efficiency ratio | 89.4938% | 720 |
| Assets per employee ($millions) | 3.6414% | 4,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5605% | 5,857 |
| Loan loss allowance to noncurrent loans | 676.9231% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 5,420 |
| Noncurrent loans to loans | 0.0828% | 5,170 |
| Net loans and leases to total assets | 71.4593% | 2,141 |
| Net loans and leases to deposits | 98.3269% | 793 |
| Net loans and leases to core deposits | 102.3871% | 1,338 |
| Total domestic deposits to total assets | 72.6753% | 5,753 |
| Equity capital to assets | 22.0169% | 146 |
| Core capital (leverage) ratio | 22.3038% | 127 |
| Tier 1 risk-based capital ratio | 42.2441% | 202 |
| Total risk-based capital ratio | 43.0169% | 203 |
| Memoranda: | ||
| Average total assets | $65,318,800 | 5,194 |
| Average earning assets | $59,579,000 | 5,199 |
| Average equity | $14,383,600 | 3,926 |
| Average total loans | $46,410,200 | 4,779 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6404% | 4,602 |
| Cost of funding earning assets | 0.2781% | 4,583 |
| Net interest margin | 3.3622% | 4,098 |
| Noninterest income to average assets | 0.1594% | 5,691 |
| Noninterest expense to average assets | 2.9296% | 2,745 |
| Loan and lease loss provision to assets | 0.0511% | 3,183 |
| Net operating income to assets | 0.1757% | 5,720 |
| Return on assets (ROA) | 0.1757% | 5,774 |
| Pretax return on assets | 0.2411% | 5,735 |
| Return on Equity (ROE) | 0.7978% | 5,885 |
| Retained earnings to average equity (ytd only) | 0.7978% | 5,378 |
| Net charge-offs to loans | 0.0923% | 2,239 |
| Credit loss provision to net charge-offs | 78.1250% | 2,641 |
| Earnings coverage of net charge-offs (x) | 4.4682% | 3,347 |
| Efficiency ratio | 90.9321% | 635 |
| Assets per employee ($millions) | 3.2434% | 5,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5488% | 5,970 |
| Loan loss allowance to noncurrent loans | 1,040.0000% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 5,630 |
| Noncurrent loans to loans | 0.0528% | 5,408 |
| Net loans and leases to total assets | 72.6306% | 1,964 |
| Net loans and leases to deposits | 100.9319% | 614 |
| Net loans and leases to core deposits | 104.0228% | 1,224 |
| Total domestic deposits to total assets | 71.9600% | 5,861 |
| Equity capital to assets | 22.2097% | 149 |
| Core capital (leverage) ratio | 22.2693% | 130 |
| Tier 1 risk-based capital ratio | 45.8666% | 169 |
| Total risk-based capital ratio | 46.6949% | 176 |
| Memoranda: | ||
| Average total assets | $65,262,250 | 5,262 |
| Average earning assets | $59,443,000 | 5,263 |
| Average equity | $14,371,750 | 3,971 |
| Average total loans | $46,237,250 | 4,835 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6428% | 4,598 |
| Cost of funding earning assets | 0.2758% | 4,660 |
| Net interest margin | 3.3670% | 4,026 |
| Noninterest income to average assets | 0.1774% | 5,636 |
| Noninterest expense to average assets | 2.8168% | 3,173 |
| Loan and lease loss provision to assets | 0.0367% | 3,388 |
| Net operating income to assets | 0.2630% | 5,543 |
| Return on assets (ROA) | 0.2630% | 5,626 |
| Pretax return on assets | 0.3854% | 5,500 |
| Return on Equity (ROE) | 1.1978% | 5,862 |
| Retained earnings to average equity (ytd only) | 1.1978% | 5,081 |
| Net charge-offs to loans | 0.0523% | 2,671 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 2,286 |
| Efficiency ratio | 86.9688% | 985 |
| Assets per employee ($millions) | 3.2484% | 5,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5819% | 6,000 |
| Loan loss allowance to noncurrent loans | 398.5075% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.1031% | 5,457 |
| Noncurrent loans to loans | 0.1460% | 5,162 |
| Net loans and leases to total assets | 70.2192% | 2,284 |
| Net loans and leases to deposits | 97.3123% | 854 |
| Net loans and leases to core deposits | 100.0702% | 1,487 |
| Total domestic deposits to total assets | 72.1586% | 5,928 |
| Equity capital to assets | 22.1740% | 147 |
| Core capital (leverage) ratio | 22.1195% | 129 |
| Tier 1 risk-based capital ratio | 46.7104% | 178 |
| Total risk-based capital ratio | 47.5766% | 179 |
| Memoranda: | ||
| Average total assets | $65,393,670 | 5,318 |
| Average earning assets | $59,459,000 | 5,320 |
| Average equity | $14,360,000 | 3,985 |
| Average total loans | $45,858,330 | 4,892 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6147% | 4,639 |
| Cost of funding earning assets | 0.2687% | 4,805 |
| Net interest margin | 3.3459% | 4,040 |
| Noninterest income to average assets | 0.2317% | 5,305 |
| Noninterest expense to average assets | 2.9387% | 2,777 |
| Loan and lease loss provision to assets | 0.0366% | 3,167 |
| Net operating income to assets | 0.2073% | 5,667 |
| Return on assets (ROA) | 0.2073% | 5,758 |
| Pretax return on assets | 0.2927% | 5,664 |
| Return on Equity (ROE) | 0.9486% | 5,916 |
| Retained earnings to average equity (ytd only) | 0.9486% | 5,085 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9254% | 852 |
| Assets per employee ($millions) | 3.6309% | 4,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5942% | 6,072 |
| Loan loss allowance to noncurrent loans | 284.3750% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.1469% | 5,367 |
| Noncurrent loans to loans | 0.2090% | 5,034 |
| Net loans and leases to total assets | 69.8762% | 2,162 |
| Net loans and leases to deposits | 95.9796% | 831 |
| Net loans and leases to core deposits | 98.1285% | 1,462 |
| Total domestic deposits to total assets | 72.8032% | 5,993 |
| Equity capital to assets | 21.9701% | 152 |
| Core capital (leverage) ratio | 21.9512% | 133 |
| Tier 1 risk-based capital ratio | 41.6538% | 238 |
| Total risk-based capital ratio | 42.4378% | 246 |
| Memoranda: | ||
| Average total assets | $65,606,500 | 5,362 |
| Average earning assets | $59,535,000 | 5,369 |
| Average equity | $14,337,000 | 4,021 |
| Average total loans | $45,844,000 | 4,925 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6251% | 5,015 |
| Cost of funding earning assets | 0.2635% | 5,180 |
| Net interest margin | 3.3616% | 4,365 |
| Noninterest income to average assets | 0.1444% | 5,972 |
| Noninterest expense to average assets | 2.8099% | 3,443 |
| Loan and lease loss provision to assets | 0.0596% | 3,340 |
| Net operating income to assets | 0.2234% | 5,721 |
| Return on assets (ROA) | 0.2234% | 5,784 |
| Pretax return on assets | 0.3335% | 5,637 |
| Return on Equity (ROE) | 1.0530% | 5,964 |
| Retained earnings to average equity (ytd only) | 1.0530% | 5,301 |
| Net charge-offs to loans | 0.0922% | 3,177 |
| Credit loss provision to net charge-offs | 93.0233% | 2,580 |
| Earnings coverage of net charge-offs (x) | 6.1395% | 3,263 |
| Efficiency ratio | 87.7266% | 1,016 |
| Assets per employee ($millions) | 3.6587% | 4,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5837% | 6,161 |
| Loan loss allowance to noncurrent loans | 278.1250% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.3250% | 4,743 |
| Noncurrent loans to loans | 0.2099% | 5,063 |
| Net loans and leases to total assets | 69.0582% | 2,383 |
| Net loans and leases to deposits | 94.4469% | 1,039 |
| Net loans and leases to core deposits | 96.5338% | 1,678 |
| Total domestic deposits to total assets | 73.1186% | 6,008 |
| Equity capital to assets | 21.7368% | 162 |
| Core capital (leverage) ratio | 21.7292% | 145 |
| Tier 1 risk-based capital ratio | 43.1466% | 197 |
| Total risk-based capital ratio | 43.9516% | 200 |
| Memoranda: | ||
| Average total assets | $67,156,600 | 5,365 |
| Average earning assets | $61,101,000 | 5,365 |
| Average equity | $14,244,600 | 3,985 |
| Average total loans | $46,661,600 | 4,930 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6416% | 5,031 |
| Cost of funding earning assets | 0.2624% | 5,279 |
| Net interest margin | 3.3792% | 4,320 |
| Noninterest income to average assets | 0.1462% | 6,043 |
| Noninterest expense to average assets | 2.7543% | 3,625 |
| Loan and lease loss provision to assets | 0.0474% | 3,429 |
| Net operating income to assets | 0.2766% | 5,664 |
| Return on assets (ROA) | 0.2766% | 5,724 |
| Pretax return on assets | 0.4228% | 5,535 |
| Return on Equity (ROE) | 1.3120% | 5,985 |
| Retained earnings to average equity (ytd only) | 1.3120% | 5,372 |
| Net charge-offs to loans | 0.0540% | 3,438 |
| Credit loss provision to net charge-offs | 126.3158% | 1,823 |
| Earnings coverage of net charge-offs (x) | 12.5278% | 2,309 |
| Efficiency ratio | 85.4167% | 1,241 |
| Assets per employee ($millions) | 3.6984% | 4,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6049% | 6,218 |
| Loan loss allowance to noncurrent loans | 1,309.5238% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.2463% | 5,244 |
| Noncurrent loans to loans | 0.0462% | 5,828 |
| Net loans and leases to total assets | 67.8739% | 2,559 |
| Net loans and leases to deposits | 92.4672% | 1,191 |
| Net loans and leases to core deposits | 94.4799% | 1,809 |
| Total domestic deposits to total assets | 73.4032% | 6,066 |
| Equity capital to assets | 21.4790% | 168 |
| Core capital (leverage) ratio | 21.4730% | 157 |
| Tier 1 risk-based capital ratio | 43.9238% | 189 |
| Total risk-based capital ratio | 44.7688% | 191 |
| Memoranda: | ||
| Average total assets | $67,481,750 | 5,415 |
| Average earning assets | $61,473,000 | 5,422 |
| Average equity | $14,227,000 | 4,011 |
| Average total loans | $46,890,500 | 4,968 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6704% | 4,947 |
| Cost of funding earning assets | 0.2589% | 5,395 |
| Net interest margin | 3.4115% | 4,130 |
| Noninterest income to average assets | 0.1505% | 6,055 |
| Noninterest expense to average assets | 2.7705% | 3,607 |
| Loan and lease loss provision to assets | 0.0561% | 3,175 |
| Net operating income to assets | 0.2832% | 5,620 |
| Return on assets (ROA) | 0.2832% | 5,690 |
| Pretax return on assets | 0.4337% | 5,471 |
| Return on Equity (ROE) | 1.3518% | 5,979 |
| Retained earnings to average equity (ytd only) | 1.3518% | 5,203 |
| Net charge-offs to loans | 0.0760% | 2,937 |
| Credit loss provision to net charge-offs | 105.5556% | 1,897 |
| Earnings coverage of net charge-offs (x) | 9.2222% | 2,387 |
| Efficiency ratio | 84.9774% | 1,390 |
| Assets per employee ($millions) | 3.7637% | 4,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5811% | 6,332 |
| Loan loss allowance to noncurrent loans | 186.8966% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 5,374 |
| Noncurrent loans to loans | 0.3109% | 5,084 |
| Net loans and leases to total assets | 68.4380% | 2,339 |
| Net loans and leases to deposits | 92.5947% | 1,087 |
| Net loans and leases to core deposits | 94.5587% | 1,733 |
| Total domestic deposits to total assets | 73.9114% | 6,118 |
| Equity capital to assets | 21.0477% | 174 |
| Core capital (leverage) ratio | 21.0463% | 161 |
| Tier 1 risk-based capital ratio | 42.5955% | 203 |
| Total risk-based capital ratio | 43.4051% | 203 |
| Memoranda: | ||
| Average total assets | $67,785,000 | 5,454 |
| Average earning assets | $61,791,670 | 5,462 |
| Average equity | $14,203,000 | 4,010 |
| Average total loans | $47,367,330 | 4,989 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6996% | 4,851 |
| Cost of funding earning assets | 0.2527% | 5,554 |
| Net interest margin | 3.4469% | 3,912 |
| Noninterest income to average assets | 0.1180% | 6,257 |
| Noninterest expense to average assets | 2.9261% | 3,136 |
| Loan and lease loss provision to assets | 0.0295% | 3,438 |
| Net operating income to assets | 0.2065% | 5,781 |
| Return on assets (ROA) | 0.2065% | 5,835 |
| Pretax return on assets | 0.3009% | 5,717 |
| Return on Equity (ROE) | 0.9877% | 6,043 |
| Retained earnings to average equity (ytd only) | 0.9877% | 5,202 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8551% | 1,048 |
| Assets per employee ($millions) | 3.7671% | 4,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5836% | 6,429 |
| Loan loss allowance to noncurrent loans | 323.5294% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.1254% | 5,871 |
| Noncurrent loans to loans | 0.1804% | 5,555 |
| Net loans and leases to total assets | 69.0917% | 2,045 |
| Net loans and leases to deposits | 93.3284% | 851 |
| Net loans and leases to core deposits | 95.3029% | 1,442 |
| Total domestic deposits to total assets | 74.0307% | 6,239 |
| Equity capital to assets | 20.9300% | 175 |
| Core capital (leverage) ratio | 20.9374% | 164 |
| Tier 1 risk-based capital ratio | 42.1489% | 205 |
| Total risk-based capital ratio | 42.9653% | 208 |
| Memoranda: | ||
| Average total assets | $67,804,500 | 5,511 |
| Average earning assets | $61,736,000 | 5,515 |
| Average equity | $14,175,000 | 4,013 |
| Average total loans | $47,733,500 | 5,022 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7306% | 5,038 |
| Cost of funding earning assets | 0.3073% | 5,541 |
| Net interest margin | 3.4234% | 4,191 |
| Noninterest income to average assets | 0.1200% | 6,319 |
| Noninterest expense to average assets | 2.6384% | 4,322 |
| Loan and lease loss provision to assets | 0.0706% | 3,710 |
| Net operating income to assets | 0.3303% | 5,410 |
| Return on assets (ROA) | 0.3303% | 5,521 |
| Pretax return on assets | 0.5251% | 5,122 |
| Return on Equity (ROE) | 1.6634% | 5,942 |
| Retained earnings to average equity (ytd only) | 1.6634% | 5,039 |
| Net charge-offs to loans | 0.1046% | 3,782 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 8.4400% | 2,669 |
| Efficiency ratio | 81.5801% | 1,932 |
| Assets per employee ($millions) | 3.7668% | 4,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5585% | 6,516 |
| Loan loss allowance to noncurrent loans | 112.5000% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 5,199 |
| Noncurrent loans to loans | 0.4965% | 4,756 |
| Net loans and leases to total assets | 70.9020% | 1,854 |
| Net loans and leases to deposits | 95.6201% | 754 |
| Net loans and leases to core deposits | 97.6379% | 1,335 |
| Total domestic deposits to total assets | 74.1497% | 6,269 |
| Equity capital to assets | 20.8814% | 170 |
| Core capital (leverage) ratio | 20.8888% | 162 |
| Tier 1 risk-based capital ratio | 40.6994% | 220 |
| Total risk-based capital ratio | 41.4753% | 226 |
| Memoranda: | ||
| Average total assets | $70,838,200 | 5,444 |
| Average earning assets | $64,439,800 | 5,449 |
| Average equity | $14,067,200 | 4,053 |
| Average total loans | $47,813,200 | 5,035 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7532% | 5,023 |
| Cost of funding earning assets | 0.3215% | 5,540 |
| Net interest margin | 3.4317% | 4,159 |
| Noninterest income to average assets | 0.1229% | 6,407 |
| Noninterest expense to average assets | 2.6257% | 4,298 |
| Loan and lease loss provision to assets | 0.0577% | 3,898 |
| Net operating income to assets | 0.3482% | 5,440 |
| Return on assets (ROA) | 0.3482% | 5,568 |
| Pretax return on assets | 0.5605% | 5,166 |
| Return on Equity (ROE) | 1.7753% | 6,007 |
| Retained earnings to average equity (ytd only) | 1.7753% | 5,250 |
| Net charge-offs to loans | 0.0559% | 4,110 |
| Credit loss provision to net charge-offs | 155.0000% | 1,527 |
| Earnings coverage of net charge-offs (x) | 16.5977% | 1,789 |
| Efficiency ratio | 80.9414% | 1,977 |
| Assets per employee ($millions) | 3.8552% | 4,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5814% | 6,587 |
| Loan loss allowance to noncurrent loans | 360.2564% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 5,979 |
| Noncurrent loans to loans | 0.1614% | 5,832 |
| Net loans and leases to total assets | 69.2462% | 2,094 |
| Net loans and leases to deposits | 92.6339% | 932 |
| Net loans and leases to core deposits | 94.5273% | 1,524 |
| Total domestic deposits to total assets | 74.7525% | 6,300 |
| Equity capital to assets | 20.3335% | 199 |
| Core capital (leverage) ratio | 20.3421% | 195 |
| Tier 1 risk-based capital ratio | 40.8260% | 233 |
| Total risk-based capital ratio | 41.6387% | 232 |
| Memoranda: | ||
| Average total assets | $71,597,250 | 5,486 |
| Average earning assets | $65,116,000 | 5,483 |
| Average equity | $14,044,500 | 4,103 |
| Average total loans | $47,680,750 | 5,086 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7830% | 4,881 |
| Cost of funding earning assets | 0.3439% | 5,458 |
| Net interest margin | 3.4391% | 4,048 |
| Noninterest income to average assets | 0.1272% | 6,419 |
| Noninterest expense to average assets | 2.5964% | 4,401 |
| Loan and lease loss provision to assets | 0.0691% | 3,655 |
| Net operating income to assets | 0.3539% | 5,389 |
| Return on assets (ROA) | 0.3539% | 5,570 |
| Pretax return on assets | 0.5862% | 5,068 |
| Return on Equity (ROE) | 1.8256% | 6,009 |
| Retained earnings to average equity (ytd only) | 1.8256% | 5,103 |
| Net charge-offs to loans | 0.0927% | 3,437 |
| Credit loss provision to net charge-offs | 113.6364% | 1,943 |
| Earnings coverage of net charge-offs (x) | 10.7727% | 2,128 |
| Efficiency ratio | 79.8469% | 2,181 |
| Assets per employee ($millions) | 3.7647% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5786% | 6,637 |
| Loan loss allowance to noncurrent loans | 941.3793% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 6,385 |
| Noncurrent loans to loans | 0.0615% | 6,202 |
| Net loans and leases to total assets | 65.5776% | 2,666 |
| Net loans and leases to deposits | 86.7219% | 1,486 |
| Net loans and leases to core deposits | 88.4187% | 2,069 |
| Total domestic deposits to total assets | 75.6183% | 6,290 |
| Equity capital to assets | 19.6424% | 224 |
| Core capital (leverage) ratio | 19.6522% | 208 |
| Tier 1 risk-based capital ratio | 40.6730% | 218 |
| Total risk-based capital ratio | 41.4629% | 226 |
| Memoranda: | ||
| Average total assets | $72,332,000 | 5,500 |
| Average earning assets | $65,715,330 | 5,503 |
| Average equity | $14,022,670 | 4,146 |
| Average total loans | $47,463,330 | 5,121 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9029% | 4,460 |
| Cost of funding earning assets | 0.3879% | 5,217 |
| Net interest margin | 3.5151% | 3,636 |
| Noninterest income to average assets | 0.1485% | 6,361 |
| Noninterest expense to average assets | 2.7058% | 4,033 |
| Loan and lease loss provision to assets | 0.0165% | 4,257 |
| Net operating income to assets | 0.3740% | 5,238 |
| Return on assets (ROA) | 0.3740% | 5,375 |
| Pretax return on assets | 0.6159% | 4,893 |
| Return on Equity (ROE) | 1.9416% | 5,957 |
| Retained earnings to average equity (ytd only) | 1.9416% | 5,033 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0544% | 2,181 |
| Assets per employee ($millions) | 3.8019% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5831% | 6,725 |
| Loan loss allowance to noncurrent loans | 177.2727% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 5,925 |
| Noncurrent loans to loans | 0.3290% | 5,577 |
| Net loans and leases to total assets | 64.4296% | 2,624 |
| Net loans and leases to deposits | 84.9865% | 1,472 |
| Net loans and leases to core deposits | 97.9852% | 1,081 |
| Total domestic deposits to total assets | 75.8116% | 6,380 |
| Equity capital to assets | 19.4374% | 240 |
| Core capital (leverage) ratio | 19.3765% | 218 |
| Tier 1 risk-based capital ratio | 42.2347% | 206 |
| Total risk-based capital ratio | 43.0584% | 209 |
| Memoranda: | ||
| Average total assets | $72,733,500 | 5,543 |
| Average earning assets | $66,001,500 | 5,546 |
| Average equity | $14,009,000 | 4,197 |
| Average total loans | $47,605,000 | 5,148 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1392% | 4,807 |
| Cost of funding earning assets | 0.6556% | 3,867 |
| Net interest margin | 3.4836% | 4,569 |
| Noninterest income to average assets | 0.1590% | 6,236 |
| Noninterest expense to average assets | 2.6117% | 4,702 |
| Loan and lease loss provision to assets | 0.0910% | 4,545 |
| Net operating income to assets | 0.3574% | 5,263 |
| Return on assets (ROA) | 0.3574% | 5,491 |
| Pretax return on assets | 0.5897% | 5,023 |
| Return on Equity (ROE) | 1.8978% | 5,935 |
| Retained earnings to average equity (ytd only) | 1.8978% | 4,889 |
| Net charge-offs to loans | 0.0255% | 5,539 |
| Credit loss provision to net charge-offs | 515.3846% | 469 |
| Earnings coverage of net charge-offs (x) | 38.5385% | 833 |
| Efficiency ratio | 79.3232% | 2,239 |
| Assets per employee ($millions) | 4.0683% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5579% | 6,802 |
| Loan loss allowance to noncurrent loans | 44.8505% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 0.9491% | 4,130 |
| Noncurrent loans to loans | 1.2439% | 3,764 |
| Net loans and leases to total assets | 65.7176% | 2,572 |
| Net loans and leases to deposits | 86.2502% | 1,486 |
| Net loans and leases to core deposits | 99.6872% | 1,044 |
| Total domestic deposits to total assets | 76.1942% | 6,335 |
| Equity capital to assets | 19.0864% | 266 |
| Core capital (leverage) ratio | 19.0209% | 232 |
| Tier 1 risk-based capital ratio | 40.2142% | 234 |
| Total risk-based capital ratio | 40.9937% | 237 |
| Memoranda: | ||
| Average total assets | $73,591,400 | 5,527 |
| Average earning assets | $66,196,800 | 5,545 |
| Average equity | $13,857,800 | 4,189 |
| Average total loans | $50,916,400 | 5,070 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2156% | 4,764 |
| Cost of funding earning assets | 0.6906% | 3,846 |
| Net interest margin | 3.5250% | 4,545 |
| Noninterest income to average assets | 0.1285% | 6,494 |
| Noninterest expense to average assets | 2.6148% | 4,692 |
| Loan and lease loss provision to assets | 0.0814% | 4,612 |
| Net operating income to assets | 0.3691% | 5,374 |
| Return on assets (ROA) | 0.3691% | 5,575 |
| Pretax return on assets | 0.6098% | 5,134 |
| Return on Equity (ROE) | 1.9670% | 6,032 |
| Retained earnings to average equity (ytd only) | 1.9670% | 5,341 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0914% | 2,227 |
| Assets per employee ($millions) | 3.6871% | 4,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5306% | 6,935 |
| Loan loss allowance to noncurrent loans | 42.0968% | 5,540 |
| Noncurrent assets plus other real estate owned to assets | 0.8408% | 4,612 |
| Noncurrent loans to loans | 1.2604% | 3,946 |
| Net loans and leases to total assets | 66.3539% | 2,581 |
| Net loans and leases to deposits | 86.9728% | 1,486 |
| Net loans and leases to core deposits | 100.4187% | 1,093 |
| Total domestic deposits to total assets | 76.2927% | 6,342 |
| Equity capital to assets | 18.8850% | 306 |
| Core capital (leverage) ratio | 18.8091% | 256 |
| Tier 1 risk-based capital ratio | 39.5022% | 255 |
| Total risk-based capital ratio | 40.2455% | 261 |
| Memoranda: | ||
| Average total assets | $73,681,750 | 5,582 |
| Average earning assets | $66,418,750 | 5,601 |
| Average equity | $13,828,000 | 4,232 |
| Average total loans | $51,546,750 | 5,096 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2924% | 4,608 |
| Cost of funding earning assets | 0.7194% | 3,861 |
| Net interest margin | 3.5730% | 4,373 |
| Noninterest income to average assets | 0.1086% | 6,636 |
| Noninterest expense to average assets | 2.5223% | 5,066 |
| Loan and lease loss provision to assets | 0.0977% | 4,318 |
| Net operating income to assets | 0.4290% | 5,120 |
| Return on assets (ROA) | 0.4290% | 5,342 |
| Pretax return on assets | 0.7114% | 4,798 |
| Return on Equity (ROE) | 2.2906% | 5,950 |
| Retained earnings to average equity (ytd only) | 2.2906% | 5,046 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7131% | 2,786 |
| Assets per employee ($millions) | 4.0383% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4917% | 7,028 |
| Loan loss allowance to noncurrent loans | 45.3237% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 0.7649% | 4,882 |
| Noncurrent loans to loans | 1.0849% | 4,354 |
| Net loans and leases to total assets | 70.1582% | 1,890 |
| Net loans and leases to deposits | 92.0575% | 946 |
| Net loans and leases to core deposits | 106.0205% | 740 |
| Total domestic deposits to total assets | 76.2113% | 6,432 |
| Equity capital to assets | 19.0920% | 272 |
| Core capital (leverage) ratio | 19.0191% | 242 |
| Tier 1 risk-based capital ratio | 38.8037% | 256 |
| Total risk-based capital ratio | 39.5111% | 262 |
| Memoranda: | ||
| Average total assets | $73,662,000 | 5,613 |
| Average earning assets | $66,443,000 | 5,631 |
| Average equity | $13,795,330 | 4,233 |
| Average total loans | $52,332,000 | 5,095 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3365% | 4,582 |
| Cost of funding earning assets | 0.7337% | 3,998 |
| Net interest margin | 3.6029% | 4,261 |
| Noninterest income to average assets | 0.0917% | 6,784 |
| Noninterest expense to average assets | 2.5948% | 4,837 |
| Loan and lease loss provision to assets | 0.0971% | 4,133 |
| Net operating income to assets | 0.3992% | 5,262 |
| Return on assets (ROA) | 0.3992% | 5,448 |
| Pretax return on assets | 0.6581% | 4,914 |
| Return on Equity (ROE) | 2.1521% | 6,021 |
| Retained earnings to average equity (ytd only) | 2.1521% | 5,186 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4557% | 2,575 |
| Assets per employee ($millions) | 4.1048% | 3,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4489% | 7,105 |
| Loan loss allowance to noncurrent loans | 37.0840% | 5,797 |
| Noncurrent assets plus other real estate owned to assets | 0.9176% | 4,683 |
| Noncurrent loans to loans | 1.2104% | 4,309 |
| Net loans and leases to total assets | 70.2397% | 1,715 |
| Net loans and leases to deposits | 91.5357% | 835 |
| Net loans and leases to core deposits | 105.0822% | 715 |
| Total domestic deposits to total assets | 76.7347% | 6,446 |
| Equity capital to assets | 18.6569% | 300 |
| Core capital (leverage) ratio | 18.5960% | 261 |
| Tier 1 risk-based capital ratio | 38.9114% | 251 |
| Total risk-based capital ratio | 39.5741% | 254 |
| Memoranda: | ||
| Average total assets | $74,148,000 | 5,641 |
| Average earning assets | $67,058,000 | 5,659 |
| Average equity | $13,754,000 | 4,244 |
| Average total loans | $52,873,000 | 5,108 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4982% | 5,082 |
| Cost of funding earning assets | 0.9453% | 3,747 |
| Net interest margin | 3.5529% | 4,921 |
| Noninterest income to average assets | 0.1145% | 6,576 |
| Noninterest expense to average assets | 2.4452% | 5,651 |
| Loan and lease loss provision to assets | 0.1279% | 5,016 |
| Net operating income to assets | 0.4568% | 4,603 |
| Return on assets (ROA) | 0.4568% | 4,818 |
| Pretax return on assets | 0.7551% | 4,134 |
| Return on Equity (ROE) | 2.5326% | 5,468 |
| Retained earnings to average equity (ytd only) | 2.5326% | 4,426 |
| Net charge-offs to loans | 0.1744% | 4,750 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 6.9063% | 2,429 |
| Efficiency ratio | 73.4694% | 3,308 |
| Assets per employee ($millions) | 4.1338% | 3,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4029% | 7,165 |
| Loan loss allowance to noncurrent loans | 36.1204% | 5,831 |
| Noncurrent assets plus other real estate owned to assets | 0.8709% | 4,885 |
| Noncurrent loans to loans | 1.1154% | 4,488 |
| Net loans and leases to total assets | 71.7628% | 1,685 |
| Net loans and leases to deposits | 93.1642% | 873 |
| Net loans and leases to core deposits | 109.0022% | 654 |
| Total domestic deposits to total assets | 77.0283% | 6,337 |
| Equity capital to assets | 18.4427% | 319 |
| Core capital (leverage) ratio | 18.3893% | 279 |
| Tier 1 risk-based capital ratio | 36.5880% | 297 |
| Total risk-based capital ratio | 37.1663% | 305 |
| Memoranda: | ||
| Average total assets | $75,085,800 | 5,602 |
| Average earning assets | $67,916,600 | 5,615 |
| Average equity | $13,543,600 | 4,230 |
| Average total loans | $55,045,200 | 5,074 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5428% | 5,109 |
| Cost of funding earning assets | 0.9721% | 3,872 |
| Net interest margin | 3.5707% | 4,897 |
| Noninterest income to average assets | 0.1240% | 6,641 |
| Noninterest expense to average assets | 2.4999% | 5,462 |
| Loan and lease loss provision to assets | 0.1116% | 5,034 |
| Net operating income to assets | 0.4465% | 4,796 |
| Return on assets (ROA) | 0.4465% | 4,989 |
| Pretax return on assets | 0.7406% | 4,346 |
| Return on Equity (ROE) | 2.4890% | 5,628 |
| Retained earnings to average equity (ytd only) | 2.4890% | 4,877 |
| Net charge-offs to loans | 0.2310% | 3,986 |
| Credit loss provision to net charge-offs | 65.6250% | 4,616 |
| Earnings coverage of net charge-offs (x) | 5.0103% | 2,900 |
| Efficiency ratio | 74.5772% | 3,072 |
| Assets per employee ($millions) | 4.4143% | 3,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3333% | 7,272 |
| Loan loss allowance to noncurrent loans | 30.5509% | 6,220 |
| Noncurrent assets plus other real estate owned to assets | 0.8728% | 4,996 |
| Noncurrent loans to loans | 1.0911% | 4,730 |
| Net loans and leases to total assets | 72.9115% | 1,527 |
| Net loans and leases to deposits | 94.3037% | 806 |
| Net loans and leases to core deposits | 109.6054% | 694 |
| Total domestic deposits to total assets | 77.3157% | 6,328 |
| Equity capital to assets | 18.1656% | 371 |
| Core capital (leverage) ratio | 18.1123% | 314 |
| Tier 1 risk-based capital ratio | 35.3810% | 339 |
| Total risk-based capital ratio | 35.8580% | 358 |
| Memoranda: | ||
| Average total assets | $75,255,000 | 5,637 |
| Average earning assets | $68,033,000 | 5,652 |
| Average equity | $13,498,750 | 4,240 |
| Average total loans | $55,403,000 | 5,099 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5803% | 5,053 |
| Cost of funding earning assets | 0.9872% | 4,036 |
| Net interest margin | 3.5932% | 4,746 |
| Noninterest income to average assets | 0.1328% | 6,659 |
| Noninterest expense to average assets | 2.4985% | 5,543 |
| Loan and lease loss provision to assets | 0.0558% | 5,621 |
| Net operating income to assets | 0.4992% | 4,502 |
| Return on assets (ROA) | 0.4992% | 4,646 |
| Pretax return on assets | 0.8257% | 3,926 |
| Return on Equity (ROE) | 2.7946% | 5,480 |
| Retained earnings to average equity (ytd only) | 2.7946% | 4,502 |
| Net charge-offs to loans | 0.3455% | 3,177 |
| Credit loss provision to net charge-offs | 21.8750% | 5,111 |
| Earnings coverage of net charge-offs (x) | 3.4583% | 3,160 |
| Efficiency ratio | 73.9199% | 3,372 |
| Assets per employee ($millions) | 4.1238% | 3,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2540% | 7,372 |
| Loan loss allowance to noncurrent loans | 42.7273% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 0.6413% | 5,633 |
| Noncurrent loans to loans | 0.5946% | 5,735 |
| Net loans and leases to total assets | 74.5827% | 1,311 |
| Net loans and leases to deposits | 96.6583% | 671 |
| Net loans and leases to core deposits | 113.3561% | 600 |
| Total domestic deposits to total assets | 77.1612% | 6,428 |
| Equity capital to assets | 18.2867% | 362 |
| Core capital (leverage) ratio | 18.2273% | 308 |
| Tier 1 risk-based capital ratio | 35.0935% | 342 |
| Total risk-based capital ratio | 35.4597% | 368 |
| Memoranda: | ||
| Average total assets | $75,325,670 | 5,677 |
| Average earning assets | $68,073,670 | 5,692 |
| Average equity | $13,454,330 | 4,238 |
| Average total loans | $55,571,330 | 5,143 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6188% | 4,863 |
| Cost of funding earning assets | 1.0232% | 4,042 |
| Net interest margin | 3.5957% | 4,582 |
| Noninterest income to average assets | 0.1371% | 6,725 |
| Noninterest expense to average assets | 2.3355% | 6,091 |
| Loan and lease loss provision to assets | 0.0316% | 5,577 |
| Net operating income to assets | 0.6115% | 3,978 |
| Return on assets (ROA) | 0.6115% | 4,045 |
| Pretax return on assets | 1.0122% | 3,087 |
| Return on Equity (ROE) | 3.4641% | 5,163 |
| Retained earnings to average equity (ytd only) | 3.4641% | 4,112 |
| Net charge-offs to loans | 0.0072% | 5,016 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 198.0000% | 153 |
| Efficiency ratio | 69.1108% | 4,450 |
| Assets per employee ($millions) | 4.1756% | 3,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4004% | 7,350 |
| Loan loss allowance to noncurrent loans | 94.8498% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.4524% | 6,085 |
| Noncurrent loans to loans | 0.4221% | 6,155 |
| Net loans and leases to total assets | 73.1456% | 1,488 |
| Net loans and leases to deposits | 94.3795% | 793 |
| Net loans and leases to core deposits | 110.1832% | 710 |
| Total domestic deposits to total assets | 77.5016% | 6,447 |
| Equity capital to assets | 17.8923% | 373 |
| Core capital (leverage) ratio | 17.8830% | 337 |
| Tier 1 risk-based capital ratio | 34.5788% | 358 |
| Total risk-based capital ratio | 35.1474% | 369 |
| Memoranda: | ||
| Average total assets | $75,874,000 | 5,701 |
| Average earning assets | $68,415,500 | 5,721 |
| Average equity | $13,394,500 | 4,245 |
| Average total loans | $55,605,500 | 5,192 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9708% | 4,689 |
| Cost of funding earning assets | 1.2729% | 4,068 |
| Net interest margin | 3.6979% | 4,350 |
| Noninterest income to average assets | 0.1253% | 6,773 |
| Noninterest expense to average assets | 2.3691% | 6,168 |
| Loan and lease loss provision to assets | 0.0893% | 6,251 |
| Net operating income to assets | 0.5893% | 3,722 |
| Return on assets (ROA) | 0.5893% | 3,880 |
| Pretax return on assets | 0.9746% | 3,013 |
| Return on Equity (ROE) | 3.3598% | 4,803 |
| Retained earnings to average equity (ytd only) | 3.3598% | 3,514 |
| Net charge-offs to loans | 0.0310% | 6,493 |
| Credit loss provision to net charge-offs | 372.2222% | 682 |
| Earnings coverage of net charge-offs (x) | 44.3333% | 527 |
| Efficiency ratio | 69.0097% | 4,376 |
| Assets per employee ($millions) | 4.0309% | 3,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3856% | 7,433 |
| Loan loss allowance to noncurrent loans | 191.1504% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.3238% | 6,437 |
| Noncurrent loans to loans | 0.2017% | 6,663 |
| Net loans and leases to total assets | 72.8544% | 1,912 |
| Net loans and leases to deposits | 93.3778% | 1,114 |
| Net loans and leases to core deposits | 108.9892% | 986 |
| Total domestic deposits to total assets | 78.0211% | 6,308 |
| Equity capital to assets | 17.4194% | 413 |
| Core capital (leverage) ratio | 17.4016% | 369 |
| Tier 1 risk-based capital ratio | 34.0925% | 369 |
| Total risk-based capital ratio | 34.6453% | 382 |
| Memoranda: | ||
| Average total assets | $75,006,600 | 5,739 |
| Average earning assets | $67,092,400 | 5,766 |
| Average equity | $13,155,400 | 4,338 |
| Average total loans | $58,058,800 | 5,153 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0268% | 4,690 |
| Cost of funding earning assets | 1.3211% | 4,106 |
| Net interest margin | 3.7057% | 4,376 |
| Noninterest income to average assets | 0.1287% | 6,912 |
| Noninterest expense to average assets | 2.3570% | 6,159 |
| Loan and lease loss provision to assets | 0.1090% | 5,943 |
| Net operating income to assets | 0.5933% | 3,904 |
| Return on assets (ROA) | 0.5933% | 4,064 |
| Pretax return on assets | 0.9811% | 3,251 |
| Return on Equity (ROE) | 3.3768% | 5,064 |
| Retained earnings to average equity (ytd only) | 3.3768% | 4,073 |
| Net charge-offs to loans | 0.0410% | 6,135 |
| Credit loss provision to net charge-offs | 338.8889% | 938 |
| Earnings coverage of net charge-offs (x) | 33.8879% | 790 |
| Efficiency ratio | 68.3774% | 4,390 |
| Assets per employee ($millions) | 4.0442% | 3,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3641% | 7,561 |
| Loan loss allowance to noncurrent loans | 2,100.0000% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 6,893 |
| Noncurrent loans to loans | 0.0173% | 7,217 |
| Net loans and leases to total assets | 74.7827% | 1,622 |
| Net loans and leases to deposits | 95.6919% | 1,022 |
| Net loans and leases to core deposits | 112.1930% | 923 |
| Total domestic deposits to total assets | 78.1494% | 6,230 |
| Equity capital to assets | 17.2710% | 492 |
| Core capital (leverage) ratio | 17.2172% | 411 |
| Tier 1 risk-based capital ratio | 31.8877% | 440 |
| Total risk-based capital ratio | 32.3945% | 459 |
| Memoranda: | ||
| Average total assets | $74,611,500 | 5,819 |
| Average earning assets | $66,813,500 | 5,838 |
| Average equity | $13,109,000 | 4,416 |
| Average total loans | $58,570,250 | 5,201 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0813% | 4,555 |
| Cost of funding earning assets | 1.3803% | 4,003 |
| Net interest margin | 3.7010% | 4,362 |
| Noninterest income to average assets | 0.1300% | 6,939 |
| Noninterest expense to average assets | 2.3853% | 6,103 |
| Loan and lease loss provision to assets | 0.1273% | 5,611 |
| Net operating income to assets | 0.5686% | 4,006 |
| Return on assets (ROA) | 0.5686% | 4,150 |
| Pretax return on assets | 0.9422% | 3,339 |
| Return on Equity (ROE) | 3.2172% | 5,131 |
| Retained earnings to average equity (ytd only) | 3.2172% | 4,060 |
| Net charge-offs to loans | 0.0442% | 5,764 |
| Credit loss provision to net charge-offs | 361.5385% | 1,013 |
| Earnings coverage of net charge-offs (x) | 30.3846% | 909 |
| Efficiency ratio | 69.0439% | 4,372 |
| Assets per employee ($millions) | 3.8532% | 4,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3420% | 7,639 |
| Loan loss allowance to noncurrent loans | 129.6774% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.4644% | 6,284 |
| Noncurrent loans to loans | 0.2637% | 6,703 |
| Net loans and leases to total assets | 80.0082% | 799 |
| Net loans and leases to deposits | 103.5425% | 510 |
| Net loans and leases to core deposits | 115.4372% | 866 |
| Total domestic deposits to total assets | 77.2709% | 6,439 |
| Equity capital to assets | 17.9812% | 419 |
| Core capital (leverage) ratio | 17.9102% | 364 |
| Tier 1 risk-based capital ratio | 32.0613% | 426 |
| Total risk-based capital ratio | 32.5536% | 438 |
| Memoranda: | ||
| Average total assets | $73,868,670 | 5,873 |
| Average earning assets | $66,360,670 | 5,892 |
| Average equity | $13,055,000 | 4,427 |
| Average total loans | $58,869,330 | 5,233 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1027% | 4,513 |
| Cost of funding earning assets | 1.4544% | 3,841 |
| Net interest margin | 3.6482% | 4,499 |
| Noninterest income to average assets | 0.1348% | 7,007 |
| Noninterest expense to average assets | 2.4421% | 5,943 |
| Loan and lease loss provision to assets | 0.0647% | 5,990 |
| Net operating income to assets | 0.5283% | 4,244 |
| Return on assets (ROA) | 0.5283% | 4,383 |
| Pretax return on assets | 0.8733% | 3,569 |
| Return on Equity (ROE) | 3.0153% | 5,332 |
| Retained earnings to average equity (ytd only) | 3.0153% | 4,329 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2488% | 3,881 |
| Assets per employee ($millions) | 4.1203% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3067% | 7,754 |
| Loan loss allowance to noncurrent loans | 31.0764% | 6,339 |
| Noncurrent assets plus other real estate owned to assets | 0.8912% | 5,378 |
| Noncurrent loans to loans | 0.9870% | 5,348 |
| Net loans and leases to total assets | 78.4430% | 1,074 |
| Net loans and leases to deposits | 101.0140% | 693 |
| Net loans and leases to core deposits | 113.6955% | 1,052 |
| Total domestic deposits to total assets | 77.6555% | 6,412 |
| Equity capital to assets | 17.5943% | 458 |
| Core capital (leverage) ratio | 17.5273% | 400 |
| Tier 1 risk-based capital ratio | 30.3361% | 513 |
| Total risk-based capital ratio | 30.7545% | 534 |
| Memoranda: | ||
| Average total assets | $74,198,000 | 5,934 |
| Average earning assets | $66,004,500 | 5,966 |
| Average equity | $13,000,500 | 4,474 |
| Average total loans | $58,916,500 | 5,295 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3732% | 4,820 |
| Cost of funding earning assets | 1.8573% | 3,691 |
| Net interest margin | 3.5159% | 4,886 |
| Noninterest income to average assets | 0.1397% | 7,045 |
| Noninterest expense to average assets | 2.5692% | 5,898 |
| Loan and lease loss provision to assets | 0.0233% | 7,273 |
| Net operating income to assets | 0.4067% | 4,103 |
| Return on assets (ROA) | 0.4067% | 4,210 |
| Pretax return on assets | 0.6478% | 3,754 |
| Return on Equity (ROE) | 2.3240% | 4,777 |
| Retained earnings to average equity (ytd only) | 2.3240% | 3,494 |
| Net charge-offs to loans | 0.0421% | 6,687 |
| Credit loss provision to net charge-offs | 68.0000% | 6,529 |
| Earnings coverage of net charge-offs (x) | 19.6000% | 1,075 |
| Efficiency ratio | 79.2899% | 2,992 |
| Assets per employee ($millions) | 3.9068% | 4,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2808% | 7,836 |
| Loan loss allowance to noncurrent loans | 71.0638% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 0.4311% | 6,384 |
| Noncurrent loans to loans | 0.3951% | 6,484 |
| Net loans and leases to total assets | 79.8990% | 1,011 |
| Net loans and leases to deposits | 102.8224% | 706 |
| Net loans and leases to core deposits | 132.1001% | 1,164 |
| Total domestic deposits to total assets | 77.7058% | 6,299 |
| Equity capital to assets | 17.4485% | 509 |
| Core capital (leverage) ratio | 17.3802% | 447 |
| Tier 1 risk-based capital ratio | 31.0633% | 474 |
| Total risk-based capital ratio | 31.4660% | 499 |
| Memoranda: | ||
| Average total assets | $73,019,400 | 5,914 |
| Average earning assets | $64,393,400 | 5,981 |
| Average equity | $12,779,800 | 4,560 |
| Average total loans | $59,434,800 | 5,274 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3674% | 5,104 |
| Cost of funding earning assets | 1.9537% | 3,601 |
| Net interest margin | 3.4137% | 5,203 |
| Noninterest income to average assets | 0.1393% | 7,181 |
| Noninterest expense to average assets | 2.5138% | 6,026 |
| Loan and lease loss provision to assets | 0.0147% | 7,188 |
| Net operating income to assets | 0.4034% | 4,388 |
| Return on assets (ROA) | 0.4034% | 4,489 |
| Pretax return on assets | 0.6418% | 4,052 |
| Return on Equity (ROE) | 2.3030% | 5,062 |
| Retained earnings to average equity (ytd only) | 2.3030% | 4,038 |
| Net charge-offs to loans | 0.0561% | 6,144 |
| Credit loss provision to net charge-offs | 32.0000% | 6,491 |
| Earnings coverage of net charge-offs (x) | 14.3210% | 1,607 |
| Efficiency ratio | 79.2944% | 2,952 |
| Assets per employee ($millions) | 3.9379% | 3,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2650% | 7,931 |
| Loan loss allowance to noncurrent loans | 62.2047% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 0.4531% | 6,322 |
| Noncurrent loans to loans | 0.4260% | 6,481 |
| Net loans and leases to total assets | 79.4737% | 1,291 |
| Net loans and leases to deposits | 101.8830% | 932 |
| Net loans and leases to core deposits | 132.9465% | 1,269 |
| Total domestic deposits to total assets | 78.0048% | 6,088 |
| Equity capital to assets | 17.2051% | 603 |
| Core capital (leverage) ratio | 17.1378% | 537 |
| Tier 1 risk-based capital ratio | 30.9550% | 520 |
| Total risk-based capital ratio | 31.3370% | 548 |
| Memoranda: | ||
| Average total assets | $72,716,750 | 5,960 |
| Average earning assets | $64,561,000 | 6,016 |
| Average equity | $12,736,750 | 4,598 |
| Average total loans | $59,424,500 | 5,315 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3544% | 5,379 |
| Cost of funding earning assets | 2.0496% | 3,521 |
| Net interest margin | 3.3048% | 5,536 |
| Noninterest income to average assets | 0.1583% | 7,143 |
| Noninterest expense to average assets | 2.5911% | 5,775 |
| Loan and lease loss provision to assets | 0.0083% | 7,117 |
| Net operating income to assets | 0.3305% | 4,759 |
| Return on assets (ROA) | 0.3305% | 4,873 |
| Pretax return on assets | 0.5277% | 4,528 |
| Return on Equity (ROE) | 1.8753% | 5,344 |
| Retained earnings to average equity (ytd only) | 1.8753% | 4,298 |
| Net charge-offs to loans | 0.0202% | 6,232 |
| Credit loss provision to net charge-offs | 50.0000% | 5,763 |
| Earnings coverage of net charge-offs (x) | 32.1667% | 948 |
| Efficiency ratio | 82.8597% | 2,620 |
| Assets per employee ($millions) | 3.5879% | 4,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2890% | 7,996 |
| Loan loss allowance to noncurrent loans | 50.4399% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 0.6076% | 5,902 |
| Noncurrent loans to loans | 0.5730% | 6,116 |
| Net loans and leases to total assets | 82.6888% | 829 |
| Net loans and leases to deposits | 105.0010% | 829 |
| Net loans and leases to core deposits | 138.4004% | 1,083 |
| Total domestic deposits to total assets | 78.7505% | 5,879 |
| Equity capital to assets | 17.7697% | 574 |
| Core capital (leverage) ratio | 17.7223% | 539 |
| Tier 1 risk-based capital ratio | 30.9354% | 542 |
| Total risk-based capital ratio | 31.3543% | 582 |
| Memoranda: | ||
| Average total assets | $72,015,330 | 6,030 |
| Average earning assets | $64,694,670 | 6,055 |
| Average equity | $12,691,330 | 4,629 |
| Average total loans | $59,359,000 | 5,361 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3083% | 5,861 |
| Cost of funding earning assets | 2.1626% | 3,359 |
| Net interest margin | 3.1456% | 6,037 |
| Noninterest income to average assets | 0.1608% | 7,158 |
| Noninterest expense to average assets | 2.4562% | 6,005 |
| Loan and lease loss provision to assets | 0.0055% | 6,718 |
| Net operating income to assets | 0.3327% | 5,150 |
| Return on assets (ROA) | 0.3327% | 5,339 |
| Pretax return on assets | 0.5378% | 4,956 |
| Return on Equity (ROE) | 1.8955% | 5,810 |
| Retained earnings to average equity (ytd only) | 1.8955% | 4,799 |
| Net charge-offs to loans | 0.0405% | 4,924 |
| Credit loss provision to net charge-offs | 16.6667% | 5,117 |
| Earnings coverage of net charge-offs (x) | 16.3333% | 1,557 |
| Efficiency ratio | 81.8854% | 2,547 |
| Assets per employee ($millions) | 4.2919% | 3,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2876% | 8,039 |
| Loan loss allowance to noncurrent loans | 46.8320% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 0.6277% | 5,609 |
| Noncurrent loans to loans | 0.6142% | 5,865 |
| Net loans and leases to total assets | 80.7752% | 1,240 |
| Net loans and leases to deposits | 101.8826% | 1,188 |
| Net loans and leases to core deposits | 135.3513% | 1,342 |
| Total domestic deposits to total assets | 79.2827% | 5,612 |
| Equity capital to assets | 17.4020% | 680 |
| Core capital (leverage) ratio | 17.3503% | 615 |
| Tier 1 risk-based capital ratio | 30.9280% | 584 |
| Total risk-based capital ratio | 31.3439% | 602 |
| Memoranda: | ||
| Average total assets | $72,144,500 | 6,061 |
| Average earning assets | $65,106,000 | 6,069 |
| Average equity | $12,661,500 | 4,664 |
| Average total loans | $59,285,000 | 5,390 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4912% | 7,322 |
| Cost of funding earning assets | 2.6322% | 3,522 |
| Net interest margin | 2.8589% | 7,237 |
| Noninterest income to average assets | 0.1083% | 7,593 |
| Noninterest expense to average assets | 2.4088% | 6,361 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.2076% | 5,826 |
| Return on assets (ROA) | 0.2295% | 5,582 |
| Pretax return on assets | 0.3763% | 5,323 |
| Return on Equity (ROE) | 1.2858% | 5,832 |
| Retained earnings to average equity (ytd only) | 1.2858% | 4,445 |
| Net charge-offs to loans | 0.0228% | 6,529 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 18.4615% | 1,702 |
| Efficiency ratio | 87.5648% | 1,714 |
| Assets per employee ($millions) | 4.7551% | 2,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2943% | 8,086 |
| Loan loss allowance to noncurrent loans | 61.1888% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 0.4150% | 5,976 |
| Noncurrent loans to loans | 0.4810% | 5,903 |
| Net loans and leases to total assets | 83.1240% | 1,023 |
| Net loans and leases to deposits | 105.0013% | 1,231 |
| Net loans and leases to core deposits | 139.6119% | 1,288 |
| Total domestic deposits to total assets | 79.1647% | 5,314 |
| Equity capital to assets | 17.7018% | 691 |
| Core capital (leverage) ratio | 17.6533% | 638 |
| Tier 1 risk-based capital ratio | 30.3141% | 621 |
| Total risk-based capital ratio | 30.7357% | 652 |
| Memoranda: | ||
| Average total assets | $70,159,000 | 6,037 |
| Average earning assets | $64,849,600 | 5,997 |
| Average equity | $12,521,400 | 4,694 |
| Average total loans | $57,141,200 | 5,402 |