Home > Landmark Community Bank > Performance and Condition Ratios
Landmark Community Bank, Performance and Condition Ratios
| 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 | 4.4111% | 1,830 |
| Cost of funding earning assets | 0.6524% | 1,049 |
| Net interest margin | 3.7588% | 2,492 |
| Noninterest income to average assets | 0.4754% | 3,407 |
| Noninterest expense to average assets | 4.0332% | 564 |
| Loan and lease loss provision to assets | -0.5293% | 5,948 |
| Net operating income to assets | 0.1654% | 5,524 |
| Return on assets (ROA) | 0.1748% | 5,568 |
| Pretax return on assets | 0.3839% | 5,336 |
| Return on Equity (ROE) | 1.6195% | 5,538 |
| Retained earnings to average equity (ytd only) | 1.6195% | 4,861 |
| Net charge-offs to loans | -0.4493% | 5,879 |
| Credit loss provision to net charge-offs | 187.2832% | 1,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1333% | 173 |
| Assets per employee ($millions) | 3.7304% | 4,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 2,032 |
| Loan loss allowance to noncurrent loans | 80.0664% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 2.1624% | 688 |
| Noncurrent loans to loans | 1.7957% | 1,153 |
| Net loans and leases to total assets | 63.2681% | 3,490 |
| Net loans and leases to deposits | 72.1000% | 3,795 |
| Net loans and leases to core deposits | 73.4887% | 4,040 |
| Total domestic deposits to total assets | 87.7505% | 1,530 |
| Equity capital to assets | 11.3010% | 2,706 |
| Core capital (leverage) ratio | 10.6219% | 2,853 |
| Tier 1 risk-based capital ratio | 15.5420% | 2,814 |
| Total risk-based capital ratio | 16.7922% | 2,750 |
| Memoranda: | ||
| Average total assets | $81,620,000 | 4,745 |
| Average earning assets | $73,781,000 | 4,762 |
| Average equity | $8,808,750 | 4,836 |
| Average total loans | $51,335,500 | 4,577 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4699% | 1,608 |
| Cost of funding earning assets | 0.6846% | 863 |
| Net interest margin | 3.7853% | 2,386 |
| Noninterest income to average assets | 0.3627% | 4,166 |
| Noninterest expense to average assets | 3.4359% | 1,303 |
| Loan and lease loss provision to assets | -0.7834% | 6,038 |
| Net operating income to assets | 0.8377% | 3,140 |
| Return on assets (ROA) | 0.8535% | 3,200 |
| Pretax return on assets | 1.1679% | 2,915 |
| Return on Equity (ROE) | 8.0282% | 2,962 |
| Retained earnings to average equity (ytd only) | 8.0282% | 1,161 |
| Net charge-offs to loans | -0.9171% | 5,986 |
| Credit loss provision to net charge-offs | 136.7089% | 1,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4519% | 583 |
| Assets per employee ($millions) | 3.4814% | 4,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6027% | 1,522 |
| Loan loss allowance to noncurrent loans | 163.0705% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 1.6035% | 1,152 |
| Noncurrent loans to loans | 0.9829% | 2,311 |
| Net loans and leases to total assets | 60.2638% | 3,853 |
| Net loans and leases to deposits | 73.3459% | 3,671 |
| Net loans and leases to core deposits | 74.5147% | 3,940 |
| Total domestic deposits to total assets | 82.1638% | 3,952 |
| Equity capital to assets | 11.4083% | 2,632 |
| Core capital (leverage) ratio | 10.7566% | 2,691 |
| Tier 1 risk-based capital ratio | 16.8942% | 2,260 |
| Total risk-based capital ratio | 18.1479% | 2,215 |
| Memoranda: | ||
| Average total assets | $82,714,000 | 4,752 |
| Average earning assets | $75,080,670 | 4,782 |
| Average equity | $8,794,000 | 4,875 |
| Average total loans | $51,685,330 | 4,596 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2812% | 2,196 |
| Cost of funding earning assets | 0.6655% | 968 |
| Net interest margin | 3.6157% | 3,022 |
| Noninterest income to average assets | 0.3618% | 4,139 |
| Noninterest expense to average assets | 3.4652% | 1,246 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1462% | 5,616 |
| Return on assets (ROA) | 0.1809% | 5,622 |
| Pretax return on assets | 0.2237% | 5,613 |
| Return on Equity (ROE) | 1.7626% | 5,556 |
| Retained earnings to average equity (ytd only) | 1.7626% | 4,562 |
| Net charge-offs to loans | -0.0302% | 5,069 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0392% | 418 |
| Assets per employee ($millions) | 3.7451% | 4,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6902% | 1,387 |
| Loan loss allowance to noncurrent loans | 138.2677% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 1.7441% | 1,086 |
| Noncurrent loans to loans | 1.2224% | 1,981 |
| Net loans and leases to total assets | 61.9830% | 3,529 |
| Net loans and leases to deposits | 74.6099% | 3,358 |
| Net loans and leases to core deposits | 75.4699% | 3,733 |
| Total domestic deposits to total assets | 83.0760% | 3,868 |
| Equity capital to assets | 10.5581% | 3,418 |
| Core capital (leverage) ratio | 10.0207% | 3,516 |
| Tier 1 risk-based capital ratio | 15.5645% | 2,882 |
| Total risk-based capital ratio | 16.8195% | 2,811 |
| Memoranda: | ||
| Average total assets | $84,034,500 | 4,764 |
| Average earning assets | $76,333,000 | 4,786 |
| Average equity | $8,623,500 | 4,932 |
| Average total loans | $53,007,500 | 4,590 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3529% | 2,050 |
| Cost of funding earning assets | 0.7178% | 749 |
| Net interest margin | 3.6351% | 2,997 |
| Noninterest income to average assets | 0.8045% | 1,771 |
| Noninterest expense to average assets | 3.6711% | 1,015 |
| Loan and lease loss provision to assets | 0.2183% | 947 |
| Net operating income to assets | 0.1839% | 5,608 |
| Return on assets (ROA) | 0.1839% | 5,659 |
| Pretax return on assets | 0.1839% | 5,702 |
| Return on Equity (ROE) | 2.0547% | 5,558 |
| Retained earnings to average equity (ytd only) | 2.0547% | 4,559 |
| Net charge-offs to loans | 0.8537% | 254 |
| Credit loss provision to net charge-offs | 39.0658% | 3,540 |
| Earnings coverage of net charge-offs (x) | 0.7197% | 4,190 |
| Efficiency ratio | 90.1253% | 685 |
| Assets per employee ($millions) | 3.7251% | 4,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6146% | 1,572 |
| Loan loss allowance to noncurrent loans | 143.3498% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 1.6574% | 1,177 |
| Noncurrent loans to loans | 1.1264% | 2,094 |
| Net loans and leases to total assets | 62.0878% | 3,552 |
| Net loans and leases to deposits | 74.0094% | 3,491 |
| Net loans and leases to core deposits | 74.8203% | 3,862 |
| Total domestic deposits to total assets | 83.8918% | 3,522 |
| Equity capital to assets | 10.6808% | 3,155 |
| Core capital (leverage) ratio | 10.6619% | 2,755 |
| Tier 1 risk-based capital ratio | 16.8398% | 2,341 |
| Total risk-based capital ratio | 18.0942% | 2,292 |
| Memoranda: | ||
| Average total assets | $84,280,800 | 4,786 |
| Average earning assets | $75,788,800 | 4,813 |
| Average equity | $7,543,600 | 5,140 |
| Average total loans | $55,170,800 | 4,525 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3996% | 1,917 |
| Cost of funding earning assets | 0.7336% | 704 |
| Net interest margin | 3.6660% | 2,905 |
| Noninterest income to average assets | 0.5957% | 2,766 |
| Noninterest expense to average assets | 3.6600% | 1,031 |
| Loan and lease loss provision to assets | 0.2923% | 511 |
| Net operating income to assets | -0.0699% | 5,983 |
| Return on assets (ROA) | -0.0699% | 6,007 |
| Pretax return on assets | -0.0699% | 6,003 |
| Return on Equity (ROE) | -0.8215% | 6,017 |
| Retained earnings to average equity (ytd only) | -0.8215% | 5,740 |
| Net charge-offs to loans | 1.0532% | 176 |
| Credit loss provision to net charge-offs | 42.0091% | 3,139 |
| Earnings coverage of net charge-offs (x) | 0.3196% | 3,966 |
| Efficiency ratio | 94.2717% | 479 |
| Assets per employee ($millions) | 3.8853% | 4,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7408% | 1,383 |
| Loan loss allowance to noncurrent loans | 237.1728% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 1.6157% | 1,369 |
| Noncurrent loans to loans | 0.7340% | 3,131 |
| Net loans and leases to total assets | 59.8273% | 3,903 |
| Net loans and leases to deposits | 71.0823% | 3,866 |
| Net loans and leases to core deposits | 71.8584% | 4,201 |
| Total domestic deposits to total assets | 84.1663% | 3,355 |
| Equity capital to assets | 10.6463% | 3,418 |
| Core capital (leverage) ratio | 10.5734% | 2,955 |
| Tier 1 risk-based capital ratio | 17.1001% | 2,339 |
| Total risk-based capital ratio | 18.3561% | 2,286 |
| Memoranda: | ||
| Average total assets | $83,931,750 | 4,850 |
| Average earning assets | $75,247,250 | 4,885 |
| Average equity | $7,141,750 | 5,286 |
| Average total loans | $55,446,500 | 4,562 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3697% | 1,947 |
| Cost of funding earning assets | 0.7511% | 639 |
| Net interest margin | 3.6186% | 3,019 |
| Noninterest income to average assets | 0.6785% | 2,306 |
| Noninterest expense to average assets | 3.6731% | 1,022 |
| Loan and lease loss provision to assets | 0.4412% | 245 |
| Net operating income to assets | -0.2014% | 6,107 |
| Return on assets (ROA) | -0.2014% | 6,125 |
| Pretax return on assets | -0.2014% | 6,108 |
| Return on Equity (ROE) | -2.5890% | 6,140 |
| Retained earnings to average equity (ytd only) | -2.5890% | 5,872 |
| Net charge-offs to loans | 1.9265% | 77 |
| Credit loss provision to net charge-offs | 33.7615% | 2,883 |
| Earnings coverage of net charge-offs (x) | 0.1835% | 3,693 |
| Efficiency ratio | 93.8725% | 522 |
| Assets per employee ($millions) | 3.6040% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4578% | 2,471 |
| Loan loss allowance to noncurrent loans | 70.7080% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 2.7867% | 632 |
| Noncurrent loans to loans | 2.0617% | 1,170 |
| Net loans and leases to total assets | 65.1563% | 3,097 |
| Net loans and leases to deposits | 78.0852% | 3,013 |
| Net loans and leases to core deposits | 78.6825% | 3,510 |
| Total domestic deposits to total assets | 83.4425% | 3,780 |
| Equity capital to assets | 10.8899% | 3,003 |
| Core capital (leverage) ratio | 10.5134% | 2,937 |
| Tier 1 risk-based capital ratio | 16.5427% | 2,594 |
| Total risk-based capital ratio | 17.7952% | 2,543 |
| Memoranda: | ||
| Average total assets | $83,417,000 | 4,911 |
| Average earning assets | $74,559,670 | 4,949 |
| Average equity | $6,489,000 | 5,453 |
| Average total loans | $56,580,670 | 4,558 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4536% | 1,599 |
| Cost of funding earning assets | 0.7727% | 579 |
| Net interest margin | 3.6809% | 2,695 |
| Noninterest income to average assets | 0.2247% | 5,347 |
| Noninterest expense to average assets | 2.7390% | 3,456 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7648% | 3,454 |
| Return on assets (ROA) | 0.7648% | 3,588 |
| Pretax return on assets | 0.7648% | 4,367 |
| Return on Equity (ROE) | 12.2605% | 1,280 |
| Retained earnings to average equity (ytd only) | 12.2605% | 538 |
| Net charge-offs to loans | -0.1462% | 5,973 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1719% | 2,162 |
| Assets per employee ($millions) | 3.2050% | 5,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1231% | 892 |
| Loan loss allowance to noncurrent loans | 58.3786% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 4.7558% | 269 |
| Noncurrent loans to loans | 3.6367% | 507 |
| Net loans and leases to total assets | 65.3378% | 2,871 |
| Net loans and leases to deposits | 74.4846% | 3,240 |
| Net loans and leases to core deposits | 75.0224% | 3,684 |
| Total domestic deposits to total assets | 87.7199% | 1,975 |
| Equity capital to assets | 6.3555% | 6,321 |
| Core capital (leverage) ratio | 6.1328% | 6,324 |
| Tier 1 risk-based capital ratio | 8.4149% | 6,341 |
| Total risk-based capital ratio | 9.6741% | 6,342 |
| Memoranda: | ||
| Average total assets | $83,679,000 | 4,951 |
| Average earning assets | $74,547,000 | 4,995 |
| Average equity | $5,220,000 | 5,776 |
| Average total loans | $57,466,500 | 4,561 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8407% | 1,026 |
| Cost of funding earning assets | 0.7664% | 775 |
| Net interest margin | 4.0743% | 1,666 |
| Noninterest income to average assets | 0.2514% | 5,327 |
| Noninterest expense to average assets | 5.3006% | 261 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -1.4106% | 6,421 |
| Return on assets (ROA) | -1.4106% | 6,421 |
| Pretax return on assets | -1.4106% | 6,412 |
| Return on Equity (ROE) | -22.8285% | 6,451 |
| Retained earnings to average equity (ytd only) | -22.8285% | 6,439 |
| Net charge-offs to loans | 0.1459% | 2,581 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -13.4516% | 4,926 |
| Efficiency ratio | 136.2609% | 78 |
| Assets per employee ($millions) | 3.2318% | 5,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9560% | 1,188 |
| Loan loss allowance to noncurrent loans | 68.8836% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 3.8475% | 453 |
| Noncurrent loans to loans | 2.8395% | 816 |
| Net loans and leases to total assets | 69.1984% | 2,362 |
| Net loans and leases to deposits | 78.2763% | 2,940 |
| Net loans and leases to core deposits | 79.1856% | 3,390 |
| Total domestic deposits to total assets | 88.4027% | 1,565 |
| Equity capital to assets | 6.1218% | 6,405 |
| Core capital (leverage) ratio | 6.0487% | 6,405 |
| Tier 1 risk-based capital ratio | 8.9020% | 6,412 |
| Total risk-based capital ratio | 9.7366% | 6,431 |
| Memoranda: | ||
| Average total assets | $88,688,200 | 4,868 |
| Average earning assets | $79,203,600 | 4,900 |
| Average equity | $5,480,000 | 5,746 |
| Average total loans | $63,737,800 | 4,373 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8115% | 1,083 |
| Cost of funding earning assets | 0.7654% | 820 |
| Net interest margin | 4.0461% | 1,736 |
| Noninterest income to average assets | 0.2389% | 5,494 |
| Noninterest expense to average assets | 5.5764% | 223 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -1.7213% | 6,515 |
| Return on assets (ROA) | -1.7213% | 6,514 |
| Pretax return on assets | -1.7213% | 6,506 |
| Return on Equity (ROE) | -27.7971% | 6,534 |
| Retained earnings to average equity (ytd only) | -27.7971% | 6,524 |
| Net charge-offs to loans | 0.0720% | 3,169 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -33.1397% | 4,667 |
| Efficiency ratio | 144.6497% | 66 |
| Assets per employee ($millions) | 2.8001% | 5,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9309% | 1,392 |
| Loan loss allowance to noncurrent loans | 62.7512% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 4.1131% | 464 |
| Noncurrent loans to loans | 3.0771% | 855 |
| Net loans and leases to total assets | 76.1795% | 1,198 |
| Net loans and leases to deposits | 87.0667% | 1,781 |
| Net loans and leases to core deposits | 88.6259% | 2,364 |
| Total domestic deposits to total assets | 87.4955% | 2,031 |
| Equity capital to assets | 6.4542% | 6,450 |
| Core capital (leverage) ratio | 6.0156% | 6,481 |
| Tier 1 risk-based capital ratio | 8.6710% | 6,494 |
| Total risk-based capital ratio | 9.9332% | 6,496 |
| Memoranda: | ||
| Average total assets | $89,853,250 | 4,897 |
| Average earning assets | $80,305,250 | 4,936 |
| Average equity | $5,564,000 | 5,784 |
| Average total loans | $64,845,750 | 4,377 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6418% | 1,421 |
| Cost of funding earning assets | 0.7540% | 905 |
| Net interest margin | 3.8878% | 2,222 |
| Noninterest income to average assets | -0.0776% | 6,597 |
| Noninterest expense to average assets | 5.6612% | 213 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -2.2580% | 6,602 |
| Return on assets (ROA) | -2.2580% | 6,604 |
| Pretax return on assets | -2.2580% | 6,597 |
| Return on Equity (ROE) | -36.9203% | 6,625 |
| Retained earnings to average equity (ytd only) | -36.9203% | 6,610 |
| Net charge-offs to loans | 0.1070% | 2,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -29.9143% | 4,345 |
| Efficiency ratio | 166.3498% | 40 |
| Assets per employee ($millions) | 3.0559% | 5,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9020% | 1,585 |
| Loan loss allowance to noncurrent loans | 73.1254% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 3.4909% | 672 |
| Noncurrent loans to loans | 2.6010% | 1,180 |
| Net loans and leases to total assets | 73.4786% | 1,506 |
| Net loans and leases to deposits | 82.9358% | 2,145 |
| Net loans and leases to core deposits | 84.6214% | 2,675 |
| Total domestic deposits to total assets | 88.5970% | 1,584 |
| Equity capital to assets | 6.2444% | 6,513 |
| Core capital (leverage) ratio | 5.6313% | 6,559 |
| Tier 1 risk-based capital ratio | 8.8448% | 6,544 |
| Total risk-based capital ratio | 10.1051% | 6,540 |
| Memoranda: | ||
| Average total assets | $92,736,670 | 4,850 |
| Average earning assets | $83,029,000 | 4,900 |
| Average equity | $5,671,670 | 5,785 |
| Average total loans | $65,435,000 | 4,379 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4842% | 1,857 |
| Cost of funding earning assets | 0.7404% | 1,010 |
| Net interest margin | 3.7438% | 2,700 |
| Noninterest income to average assets | -0.4817% | 6,713 |
| Noninterest expense to average assets | 7.2963% | 128 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -4.4185% | 6,703 |
| Return on assets (ROA) | -4.4185% | 6,704 |
| Pretax return on assets | -4.4185% | 6,702 |
| Return on Equity (ROE) | -72.9267% | 6,706 |
| Retained earnings to average equity (ytd only) | -72.9267% | 6,696 |
| Net charge-offs to loans | 0.2360% | 1,374 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -27.2821% | 3,628 |
| Efficiency ratio | 253.5354% | 16 |
| Assets per employee ($millions) | 3.7461% | 4,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8564% | 1,878 |
| Loan loss allowance to noncurrent loans | 63.9958% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 3.5750% | 725 |
| Noncurrent loans to loans | 2.9008% | 1,120 |
| Net loans and leases to total assets | 65.8956% | 2,583 |
| Net loans and leases to deposits | 73.8145% | 3,095 |
| Net loans and leases to core deposits | 74.7664% | 3,563 |
| Total domestic deposits to total assets | 89.2719% | 1,492 |
| Equity capital to assets | 5.4580% | 6,607 |
| Core capital (leverage) ratio | 5.3322% | 6,634 |
| Tier 1 risk-based capital ratio | 8.0252% | 6,623 |
| Total risk-based capital ratio | 9.2830% | 6,626 |
| Memoranda: | ||
| Average total assets | $96,322,500 | 4,815 |
| Average earning assets | $86,436,500 | 4,857 |
| Average equity | $5,836,000 | 5,789 |
| Average total loans | $66,107,000 | 4,386 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2973% | 530 |
| Cost of funding earning assets | 0.8126% | 1,141 |
| Net interest margin | 4.4847% | 757 |
| Noninterest income to average assets | 0.0020% | 6,642 |
| Noninterest expense to average assets | 3.8551% | 1,050 |
| Loan and lease loss provision to assets | 0.4311% | 682 |
| Net operating income to assets | -0.4638% | 6,479 |
| Return on assets (ROA) | -0.4638% | 6,487 |
| Pretax return on assets | -0.4638% | 6,474 |
| Return on Equity (ROE) | -6.7614% | 6,529 |
| Retained earnings to average equity (ytd only) | -6.7614% | 6,450 |
| Net charge-offs to loans | 0.3550% | 1,904 |
| Credit loss provision to net charge-offs | 176.8908% | 1,293 |
| Earnings coverage of net charge-offs (x) | -0.1345% | 5,126 |
| Efficiency ratio | 100.8572% | 453 |
| Assets per employee ($millions) | 3.6633% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8752% | 1,838 |
| Loan loss allowance to noncurrent loans | 86.5331% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 3.5728% | 801 |
| Noncurrent loans to loans | 2.1670% | 1,810 |
| Net loans and leases to total assets | 68.8379% | 2,203 |
| Net loans and leases to deposits | 77.7696% | 2,750 |
| Net loans and leases to core deposits | 78.8015% | 3,266 |
| Total domestic deposits to total assets | 88.5151% | 1,902 |
| Equity capital to assets | 6.6732% | 6,535 |
| Core capital (leverage) ratio | 6.4734% | 6,599 |
| Tier 1 risk-based capital ratio | 9.3324% | 6,624 |
| Total risk-based capital ratio | 10.5910% | 6,610 |
| Memoranda: | ||
| Average total assets | $97,663,800 | 4,799 |
| Average earning assets | $83,193,400 | 4,949 |
| Average equity | $6,699,800 | 5,646 |
| Average total loans | $67,044,600 | 4,374 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3280% | 506 |
| Cost of funding earning assets | 0.8286% | 1,164 |
| Net interest margin | 4.4994% | 742 |
| Noninterest income to average assets | 0.0271% | 6,683 |
| Noninterest expense to average assets | 3.7027% | 1,243 |
| Loan and lease loss provision to assets | 0.3799% | 815 |
| Net operating income to assets | -0.2686% | 6,504 |
| Return on assets (ROA) | -0.2686% | 6,520 |
| Pretax return on assets | -0.2686% | 6,501 |
| Return on Equity (ROE) | -3.8904% | 6,568 |
| Retained earnings to average equity (ytd only) | -3.8904% | 6,434 |
| Net charge-offs to loans | 0.0377% | 4,389 |
| Credit loss provision to net charge-offs | 1,473.6842% | 218 |
| Earnings coverage of net charge-offs (x) | 4.3162% | 3,472 |
| Efficiency ratio | 97.0829% | 568 |
| Assets per employee ($millions) | 3.7617% | 4,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9638% | 1,816 |
| Loan loss allowance to noncurrent loans | 62.8544% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 9.2879% | 161 |
| Noncurrent loans to loans | 3.1244% | 1,265 |
| Net loans and leases to total assets | 67.8861% | 2,311 |
| Net loans and leases to deposits | 76.6928% | 2,861 |
| Net loans and leases to core deposits | 77.6798% | 3,397 |
| Total domestic deposits to total assets | 88.5169% | 1,834 |
| Equity capital to assets | 6.7747% | 6,597 |
| Core capital (leverage) ratio | 6.5174% | 6,664 |
| Tier 1 risk-based capital ratio | 9.0048% | 6,724 |
| Total risk-based capital ratio | 10.2623% | 6,725 |
| Memoranda: | ||
| Average total assets | $98,268,000 | 4,825 |
| Average earning assets | $82,705,000 | 5,007 |
| Average equity | $6,785,750 | 5,698 |
| Average total loans | $67,101,000 | 4,407 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3442% | 486 |
| Cost of funding earning assets | 0.8512% | 1,132 |
| Net interest margin | 4.4930% | 715 |
| Noninterest income to average assets | -0.2154% | 6,872 |
| Noninterest expense to average assets | 3.5927% | 1,421 |
| Loan and lease loss provision to assets | 0.1849% | 2,043 |
| Net operating income to assets | -0.2174% | 6,500 |
| Return on assets (ROA) | -0.2174% | 6,533 |
| Pretax return on assets | -0.2174% | 6,508 |
| Return on Equity (ROE) | -3.1291% | 6,587 |
| Retained earnings to average equity (ytd only) | -3.1291% | 6,325 |
| Net charge-offs to loans | -0.0957% | 6,495 |
| Credit loss provision to net charge-offs | -284.3750% | 5,805 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9132% | 458 |
| Assets per employee ($millions) | 3.7367% | 4,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7432% | 2,612 |
| Loan loss allowance to noncurrent loans | 99.7490% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 8.5040% | 219 |
| Noncurrent loans to loans | 1.7476% | 2,700 |
| Net loans and leases to total assets | 69.1552% | 2,042 |
| Net loans and leases to deposits | 78.2190% | 2,540 |
| Net loans and leases to core deposits | 79.2309% | 3,123 |
| Total domestic deposits to total assets | 88.4122% | 1,975 |
| Equity capital to assets | 6.9560% | 6,613 |
| Core capital (leverage) ratio | 6.5636% | 6,689 |
| Tier 1 risk-based capital ratio | 9.2308% | 6,744 |
| Total risk-based capital ratio | 10.4861% | 6,738 |
| Memoranda: | ||
| Average total assets | $98,422,330 | 4,855 |
| Average earning assets | $82,707,000 | 5,029 |
| Average equity | $6,839,000 | 5,728 |
| Average total loans | $66,892,670 | 4,431 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1088% | 733 |
| Cost of funding earning assets | 0.8699% | 1,144 |
| Net interest margin | 4.2389% | 1,101 |
| Noninterest income to average assets | -0.2584% | 6,964 |
| Noninterest expense to average assets | 3.4849% | 1,651 |
| Loan and lease loss provision to assets | 0.3675% | 872 |
| Net operating income to assets | -0.5492% | 6,695 |
| Return on assets (ROA) | -0.5492% | 6,717 |
| Pretax return on assets | -0.5492% | 6,690 |
| Return on Equity (ROE) | -7.9076% | 6,762 |
| Retained earnings to average equity (ytd only) | -7.9076% | 6,518 |
| Net charge-offs to loans | 0.3084% | 1,729 |
| Credit loss provision to net charge-offs | 178.4314% | 1,194 |
| Earnings coverage of net charge-offs (x) | -0.8824% | 3,958 |
| Efficiency ratio | 105.5012% | 403 |
| Assets per employee ($millions) | 3.8525% | 4,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6570% | 3,173 |
| Loan loss allowance to noncurrent loans | 72.4363% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 9.0781% | 242 |
| Noncurrent loans to loans | 2.2875% | 2,284 |
| Net loans and leases to total assets | 65.7112% | 2,422 |
| Net loans and leases to deposits | 74.0938% | 2,907 |
| Net loans and leases to core deposits | 75.0177% | 3,466 |
| Total domestic deposits to total assets | 88.6866% | 1,880 |
| Equity capital to assets | 6.7998% | 6,751 |
| Core capital (leverage) ratio | 6.5380% | 6,741 |
| Tier 1 risk-based capital ratio | 9.1988% | 6,791 |
| Total risk-based capital ratio | 10.4528% | 6,787 |
| Memoranda: | ||
| Average total assets | $99,056,500 | 4,885 |
| Average earning assets | $83,229,500 | 5,059 |
| Average equity | $6,879,500 | 5,773 |
| Average total loans | $66,149,500 | 4,489 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1996% | 1,115 |
| Cost of funding earning assets | 1.0037% | 1,339 |
| Net interest margin | 4.1959% | 1,675 |
| Noninterest income to average assets | 0.5086% | 3,839 |
| Noninterest expense to average assets | 3.6663% | 1,474 |
| Loan and lease loss provision to assets | 0.8386% | 568 |
| Net operating income to assets | -0.3683% | 6,495 |
| Return on assets (ROA) | -0.3401% | 6,521 |
| Pretax return on assets | -0.3401% | 6,500 |
| Return on Equity (ROE) | -4.7736% | 6,586 |
| Retained earnings to average equity (ytd only) | -4.7736% | 6,412 |
| Net charge-offs to loans | 1.5093% | 588 |
| Credit loss provision to net charge-offs | 84.3655% | 3,685 |
| Earnings coverage of net charge-offs (x) | 0.4731% | 5,252 |
| Efficiency ratio | 88.6314% | 1,183 |
| Assets per employee ($millions) | 3.7673% | 4,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6353% | 3,162 |
| Loan loss allowance to noncurrent loans | 113.2415% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 8.9169% | 280 |
| Noncurrent loans to loans | 1.4441% | 3,435 |
| Net loans and leases to total assets | 65.6484% | 2,582 |
| Net loans and leases to deposits | 74.5012% | 3,022 |
| Net loans and leases to core deposits | 75.7376% | 3,569 |
| Total domestic deposits to total assets | 88.1173% | 2,159 |
| Equity capital to assets | 7.0935% | 6,758 |
| Core capital (leverage) ratio | 6.6321% | 6,771 |
| Tier 1 risk-based capital ratio | 9.4955% | 6,804 |
| Total risk-based capital ratio | 10.7488% | 6,793 |
| Memoranda: | ||
| Average total assets | $99,091,400 | 4,857 |
| Average earning assets | $85,679,800 | 4,970 |
| Average equity | $7,059,600 | 5,745 |
| Average total loans | $65,263,400 | 4,535 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1687% | 1,260 |
| Cost of funding earning assets | 1.0319% | 1,382 |
| Net interest margin | 4.1368% | 1,948 |
| Noninterest income to average assets | 0.5152% | 3,826 |
| Noninterest expense to average assets | 3.7660% | 1,267 |
| Loan and lease loss provision to assets | 0.7393% | 674 |
| Net operating income to assets | -0.3864% | 6,638 |
| Return on assets (ROA) | -0.3864% | 6,683 |
| Pretax return on assets | -0.3864% | 6,649 |
| Return on Equity (ROE) | -5.4178% | 6,727 |
| Retained earnings to average equity (ytd only) | -5.4178% | 6,637 |
| Net charge-offs to loans | 1.2222% | 795 |
| Credit loss provision to net charge-offs | 92.1405% | 3,228 |
| Earnings coverage of net charge-offs (x) | 0.4398% | 5,103 |
| Efficiency ratio | 91.4332% | 925 |
| Assets per employee ($millions) | 3.8238% | 4,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7847% | 2,847 |
| Loan loss allowance to noncurrent loans | 92.7445% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 8.4039% | 349 |
| Noncurrent loans to loans | 1.9243% | 2,932 |
| Net loans and leases to total assets | 65.0959% | 2,820 |
| Net loans and leases to deposits | 73.6978% | 3,339 |
| Net loans and leases to core deposits | 74.8961% | 3,861 |
| Total domestic deposits to total assets | 88.3281% | 1,826 |
| Equity capital to assets | 7.1214% | 6,861 |
| Core capital (leverage) ratio | 6.4979% | 6,885 |
| Tier 1 risk-based capital ratio | 9.5966% | 6,886 |
| Total risk-based capital ratio | 10.8526% | 6,872 |
| Memoranda: | ||
| Average total assets | $99,377,000 | 4,894 |
| Average earning assets | $86,570,500 | 4,996 |
| Average equity | $7,087,500 | 5,802 |
| Average total loans | $65,236,500 | 4,586 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0767% | 1,577 |
| Cost of funding earning assets | 1.0359% | 1,542 |
| Net interest margin | 4.0408% | 2,334 |
| Noninterest income to average assets | 0.5696% | 3,450 |
| Noninterest expense to average assets | 3.6512% | 1,466 |
| Loan and lease loss provision to assets | 1.1111% | 382 |
| Net operating income to assets | -0.6360% | 6,792 |
| Return on assets (ROA) | -0.6360% | 6,822 |
| Pretax return on assets | -0.6360% | 6,792 |
| Return on Equity (ROE) | -8.9140% | 6,884 |
| Retained earnings to average equity (ytd only) | -8.9140% | 6,804 |
| Net charge-offs to loans | 1.8641% | 474 |
| Credit loss provision to net charge-offs | 91.0891% | 3,009 |
| Earnings coverage of net charge-offs (x) | 0.3894% | 4,884 |
| Efficiency ratio | 88.4878% | 1,191 |
| Assets per employee ($millions) | 3.9608% | 3,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7824% | 2,915 |
| Loan loss allowance to noncurrent loans | 53.2817% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 5.1670% | 906 |
| Noncurrent loans to loans | 3.3453% | 1,738 |
| Net loans and leases to total assets | 62.5520% | 3,327 |
| Net loans and leases to deposits | 71.3087% | 3,721 |
| Net loans and leases to core deposits | 72.6846% | 4,214 |
| Total domestic deposits to total assets | 87.7199% | 2,324 |
| Equity capital to assets | 6.8120% | 6,940 |
| Core capital (leverage) ratio | 6.7283% | 6,881 |
| Tier 1 risk-based capital ratio | 10.0167% | 6,821 |
| Total risk-based capital ratio | 11.2820% | 6,797 |
| Memoranda: | ||
| Average total assets | $99,363,330 | 4,914 |
| Average earning assets | $87,458,330 | 5,007 |
| Average equity | $7,090,000 | 5,823 |
| Average total loans | $65,017,670 | 4,609 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1551% | 1,417 |
| Cost of funding earning assets | 1.1023% | 1,400 |
| Net interest margin | 4.0527% | 2,286 |
| Noninterest income to average assets | 0.4674% | 4,165 |
| Noninterest expense to average assets | 3.8993% | 1,065 |
| Loan and lease loss provision to assets | 0.5822% | 989 |
| Net operating income to assets | -0.4715% | 6,812 |
| Return on assets (ROA) | -0.4715% | 6,839 |
| Pretax return on assets | -0.4715% | 6,812 |
| Return on Equity (ROE) | -6.4539% | 6,904 |
| Retained earnings to average equity (ytd only) | -6.4539% | 6,688 |
| Net charge-offs to loans | 0.7847% | 1,310 |
| Credit loss provision to net charge-offs | 111.8110% | 2,105 |
| Earnings coverage of net charge-offs (x) | 0.2126% | 4,262 |
| Efficiency ratio | 97.2393% | 672 |
| Assets per employee ($millions) | 3.4852% | 5,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8920% | 2,697 |
| Loan loss allowance to noncurrent loans | 44.7254% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 7.3536% | 559 |
| Noncurrent loans to loans | 4.2302% | 1,422 |
| Net loans and leases to total assets | 65.7847% | 2,504 |
| Net loans and leases to deposits | 75.7806% | 2,829 |
| Net loans and leases to core deposits | 77.3371% | 3,422 |
| Total domestic deposits to total assets | 86.8094% | 3,063 |
| Equity capital to assets | 7.2993% | 6,848 |
| Core capital (leverage) ratio | 7.0106% | 6,836 |
| Tier 1 risk-based capital ratio | 10.0271% | 6,872 |
| Total risk-based capital ratio | 11.2842% | 6,867 |
| Memoranda: | ||
| Average total assets | $97,555,000 | 4,997 |
| Average earning assets | $85,275,500 | 5,105 |
| Average equity | $7,127,500 | 5,830 |
| Average total loans | $64,734,000 | 4,632 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4533% | 1,285 |
| Cost of funding earning assets | 1.3818% | 1,115 |
| Net interest margin | 4.0714% | 2,562 |
| Noninterest income to average assets | -0.0819% | 7,092 |
| Noninterest expense to average assets | 3.9014% | 1,178 |
| Loan and lease loss provision to assets | 0.1947% | 4,234 |
| Net operating income to assets | -0.6659% | 6,588 |
| Return on assets (ROA) | -0.6319% | 6,608 |
| Pretax return on assets | -0.6319% | 6,568 |
| Return on Equity (ROE) | -8.6686% | 6,701 |
| Retained earnings to average equity (ytd only) | -8.6686% | 6,654 |
| Net charge-offs to loans | 0.9331% | 1,868 |
| Credit loss provision to net charge-offs | 31.6045% | 5,757 |
| Earnings coverage of net charge-offs (x) | -0.7650% | 6,151 |
| Efficiency ratio | 113.7369% | 370 |
| Assets per employee ($millions) | 3.4830% | 5,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9099% | 2,539 |
| Loan loss allowance to noncurrent loans | 79.3126% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 6.1225% | 795 |
| Noncurrent loans to loans | 2.4081% | 2,717 |
| Net loans and leases to total assets | 64.4050% | 3,092 |
| Net loans and leases to deposits | 74.1956% | 3,465 |
| Net loans and leases to core deposits | 75.7160% | 4,019 |
| Total domestic deposits to total assets | 86.8044% | 2,875 |
| Equity capital to assets | 7.3130% | 6,874 |
| Core capital (leverage) ratio | 7.0202% | 6,859 |
| Tier 1 risk-based capital ratio | 10.2331% | 6,787 |
| Total risk-based capital ratio | 11.4906% | 6,770 |
| Memoranda: | ||
| Average total assets | $100,169,800 | 4,887 |
| Average earning assets | $86,406,600 | 5,049 |
| Average equity | $7,302,200 | 5,776 |
| Average total loans | $66,123,600 | 4,627 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5155% | 1,209 |
| Cost of funding earning assets | 1.4377% | 1,085 |
| Net interest margin | 4.0778% | 2,563 |
| Noninterest income to average assets | 0.0939% | 6,776 |
| Noninterest expense to average assets | 3.9061% | 1,142 |
| Loan and lease loss provision to assets | 0.2578% | 3,440 |
| Net operating income to assets | -0.5633% | 6,673 |
| Return on assets (ROA) | -0.5183% | 6,694 |
| Pretax return on assets | -0.5183% | 6,634 |
| Return on Equity (ROE) | -7.1160% | 6,776 |
| Retained earnings to average equity (ytd only) | -7.1160% | 6,715 |
| Net charge-offs to loans | 0.8903% | 1,791 |
| Credit loss provision to net charge-offs | 43.8202% | 5,169 |
| Earnings coverage of net charge-offs (x) | -0.5191% | 5,836 |
| Efficiency ratio | 108.4833% | 454 |
| Assets per employee ($millions) | 3.5600% | 4,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1332% | 1,994 |
| Loan loss allowance to noncurrent loans | 45.6479% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 7.7417% | 589 |
| Noncurrent loans to loans | 4.6731% | 1,385 |
| Net loans and leases to total assets | 64.2048% | 3,265 |
| Net loans and leases to deposits | 74.2382% | 3,627 |
| Net loans and leases to core deposits | 75.9716% | 4,198 |
| Total domestic deposits to total assets | 86.4849% | 2,945 |
| Equity capital to assets | 7.3896% | 6,956 |
| Core capital (leverage) ratio | 7.0840% | 6,935 |
| Tier 1 risk-based capital ratio | 10.1818% | 6,900 |
| Total risk-based capital ratio | 11.4407% | 6,887 |
| Memoranda: | ||
| Average total assets | $100,831,000 | 4,903 |
| Average earning assets | $86,711,000 | 5,073 |
| Average equity | $7,344,750 | 5,803 |
| Average total loans | $66,646,000 | 4,646 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5517% | 1,175 |
| Cost of funding earning assets | 1.4671% | 1,131 |
| Net interest margin | 4.0846% | 2,472 |
| Noninterest income to average assets | 0.1284% | 6,683 |
| Noninterest expense to average assets | 3.9322% | 1,140 |
| Loan and lease loss provision to assets | 0.3853% | 2,488 |
| Net operating income to assets | -0.6738% | 6,803 |
| Return on assets (ROA) | -0.6066% | 6,774 |
| Pretax return on assets | -0.6066% | 6,709 |
| Return on Equity (ROE) | -8.3678% | 6,879 |
| Retained earnings to average equity (ytd only) | -8.3678% | 6,794 |
| Net charge-offs to loans | 1.1810% | 1,323 |
| Credit loss provision to net charge-offs | 49.2424% | 4,600 |
| Earnings coverage of net charge-offs (x) | -0.3687% | 5,485 |
| Efficiency ratio | 107.9176% | 516 |
| Assets per employee ($millions) | 3.0429% | 5,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1947% | 1,928 |
| Loan loss allowance to noncurrent loans | 65.6662% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 7.3922% | 661 |
| Noncurrent loans to loans | 3.3421% | 2,136 |
| Net loans and leases to total assets | 64.0848% | 3,444 |
| Net loans and leases to deposits | 73.5561% | 3,873 |
| Net loans and leases to core deposits | 75.2382% | 4,404 |
| Total domestic deposits to total assets | 87.1237% | 2,668 |
| Equity capital to assets | 7.3603% | 7,010 |
| Core capital (leverage) ratio | 7.2828% | 6,874 |
| Tier 1 risk-based capital ratio | 10.1642% | 6,928 |
| Total risk-based capital ratio | 11.4243% | 6,911 |
| Memoranda: | ||
| Average total assets | $101,214,330 | 4,926 |
| Average earning assets | $87,108,330 | 5,094 |
| Average equity | $7,337,670 | 5,823 |
| Average total loans | $67,063,000 | 4,677 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5413% | 1,199 |
| Cost of funding earning assets | 1.5046% | 1,144 |
| Net interest margin | 4.0367% | 2,532 |
| Noninterest income to average assets | 0.0079% | 7,279 |
| Noninterest expense to average assets | 3.5468% | 1,883 |
| Loan and lease loss provision to assets | 0.7637% | 1,117 |
| Net operating income to assets | -0.8385% | 6,977 |
| Return on assets (ROA) | -0.7046% | 6,925 |
| Pretax return on assets | -0.7046% | 6,877 |
| Return on Equity (ROE) | -9.7935% | 7,025 |
| Retained earnings to average equity (ytd only) | -9.7935% | 6,862 |
| Net charge-offs to loans | 0.6145% | 1,967 |
| Credit loss provision to net charge-offs | 186.5385% | 1,577 |
| Earnings coverage of net charge-offs (x) | -0.1827% | 4,687 |
| Efficiency ratio | 102.1542% | 667 |
| Assets per employee ($millions) | 3.8068% | 4,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5820% | 1,340 |
| Loan loss allowance to noncurrent loans | 59.5402% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 8.3928% | 544 |
| Noncurrent loans to loans | 4.3365% | 1,628 |
| Net loans and leases to total assets | 66.1379% | 2,974 |
| Net loans and leases to deposits | 76.0328% | 3,414 |
| Net loans and leases to core deposits | 77.3307% | 4,111 |
| Total domestic deposits to total assets | 86.9860% | 2,949 |
| Equity capital to assets | 7.4481% | 6,896 |
| Core capital (leverage) ratio | 7.2491% | 6,893 |
| Tier 1 risk-based capital ratio | 10.2475% | 6,910 |
| Total risk-based capital ratio | 11.5111% | 6,901 |
| Memoranda: | ||
| Average total assets | $101,613,000 | 4,954 |
| Average earning assets | $87,200,500 | 5,121 |
| Average equity | $7,311,000 | 5,840 |
| Average total loans | $67,696,500 | 4,695 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8397% | 1,179 |
| Cost of funding earning assets | 1.8270% | 1,068 |
| Net interest margin | 4.0126% | 2,965 |
| Noninterest income to average assets | 0.0067% | 7,257 |
| Noninterest expense to average assets | 3.7171% | 1,666 |
| Loan and lease loss provision to assets | 1.6504% | 864 |
| Net operating income to assets | -1.8662% | 7,018 |
| Return on assets (ROA) | -1.7802% | 7,012 |
| Pretax return on assets | -1.7802% | 6,949 |
| Return on Equity (ROE) | -23.4654% | 7,099 |
| Retained earnings to average equity (ytd only) | -23.4654% | 7,077 |
| Net charge-offs to loans | 1.8396% | 1,136 |
| Credit loss provision to net charge-offs | 125.2174% | 3,259 |
| Earnings coverage of net charge-offs (x) | -0.1638% | 6,267 |
| Efficiency ratio | 106.1648% | 621 |
| Assets per employee ($millions) | 2.7434% | 6,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4122% | 1,534 |
| Loan loss allowance to noncurrent loans | 175.3731% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 6.9469% | 792 |
| Noncurrent loans to loans | 1.3754% | 4,423 |
| Net loans and leases to total assets | 63.8391% | 3,906 |
| Net loans and leases to deposits | 72.7381% | 4,389 |
| Net loans and leases to core deposits | 74.1086% | 4,968 |
| Total domestic deposits to total assets | 87.7657% | 2,384 |
| Equity capital to assets | 6.9546% | 7,127 |
| Core capital (leverage) ratio | 6.9091% | 7,065 |
| Tier 1 risk-based capital ratio | 9.6137% | 7,105 |
| Total risk-based capital ratio | 10.8748% | 7,108 |
| Memoranda: | ||
| Average total assets | $104,704,600 | 4,860 |
| Average earning assets | $91,186,800 | 4,977 |
| Average equity | $7,943,600 | 5,731 |
| Average total loans | $75,015,400 | 4,484 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8872% | 1,163 |
| Cost of funding earning assets | 1.8397% | 1,263 |
| Net interest margin | 4.0474% | 2,869 |
| Noninterest income to average assets | 0.3676% | 5,213 |
| Noninterest expense to average assets | 3.8656% | 1,251 |
| Loan and lease loss provision to assets | 1.9436% | 618 |
| Net operating income to assets | -1.9016% | 7,214 |
| Return on assets (ROA) | -1.8686% | 7,216 |
| Pretax return on assets | -1.8686% | 7,158 |
| Return on Equity (ROE) | -24.1299% | 7,296 |
| Retained earnings to average equity (ytd only) | -24.1299% | 7,286 |
| Net charge-offs to loans | 2.1219% | 872 |
| Credit loss provision to net charge-offs | 125.1433% | 3,274 |
| Earnings coverage of net charge-offs (x) | 0.0270% | 6,006 |
| Efficiency ratio | 98.9258% | 781 |
| Assets per employee ($millions) | 2.9855% | 6,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1535% | 1,882 |
| Loan loss allowance to noncurrent loans | 36.2240% | 5,918 |
| Noncurrent assets plus other real estate owned to assets | 8.7153% | 537 |
| Noncurrent loans to loans | 5.9450% | 1,057 |
| Net loans and leases to total assets | 67.8083% | 3,262 |
| Net loans and leases to deposits | 77.8888% | 3,847 |
| Net loans and leases to core deposits | 79.0994% | 4,645 |
| Total domestic deposits to total assets | 87.0578% | 2,496 |
| Equity capital to assets | 7.2843% | 7,236 |
| Core capital (leverage) ratio | 6.9318% | 7,198 |
| Tier 1 risk-based capital ratio | 9.7291% | 7,174 |
| Total risk-based capital ratio | 10.9893% | 7,165 |
| Memoranda: | ||
| Average total assets | $104,818,750 | 4,912 |
| Average earning assets | $91,677,000 | 5,017 |
| Average equity | $8,117,000 | 5,749 |
| Average total loans | $76,720,250 | 4,504 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8555% | 1,291 |
| Cost of funding earning assets | 1.8820% | 1,301 |
| Net interest margin | 3.9734% | 3,144 |
| Noninterest income to average assets | 0.6196% | 3,199 |
| Noninterest expense to average assets | 3.9295% | 1,137 |
| Loan and lease loss provision to assets | 1.9147% | 645 |
| Net operating income to assets | -1.7550% | 7,247 |
| Return on assets (ROA) | -1.7030% | 7,228 |
| Pretax return on assets | -1.7030% | 7,147 |
| Return on Equity (ROE) | -21.5512% | 7,308 |
| Retained earnings to average equity (ytd only) | -21.5512% | 7,292 |
| Net charge-offs to loans | 2.6050% | 640 |
| Credit loss provision to net charge-offs | 98.6125% | 4,160 |
| Earnings coverage of net charge-offs (x) | 0.0823% | 5,641 |
| Efficiency ratio | 96.0941% | 960 |
| Assets per employee ($millions) | 3.3193% | 5,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6981% | 3,094 |
| Loan loss allowance to noncurrent loans | 29.7887% | 6,381 |
| Noncurrent assets plus other real estate owned to assets | 8.6192% | 533 |
| Noncurrent loans to loans | 5.7004% | 1,142 |
| Net loans and leases to total assets | 69.9264% | 2,919 |
| Net loans and leases to deposits | 80.6159% | 3,499 |
| Net loans and leases to core deposits | 81.8796% | 4,434 |
| Total domestic deposits to total assets | 86.7402% | 2,684 |
| Equity capital to assets | 7.5008% | 7,114 |
| Core capital (leverage) ratio | 7.6210% | 6,707 |
| Tier 1 risk-based capital ratio | 9.7452% | 7,163 |
| Total risk-based capital ratio | 10.9995% | 7,148 |
| Memoranda: | ||
| Average total assets | $103,932,330 | 4,968 |
| Average earning assets | $90,752,670 | 5,067 |
| Average equity | $8,213,000 | 5,726 |
| Average total loans | $77,466,000 | 4,525 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0195% | 939 |
| Cost of funding earning assets | 1.9455% | 1,258 |
| Net interest margin | 4.0740% | 2,551 |
| Noninterest income to average assets | 0.5837% | 3,383 |
| Noninterest expense to average assets | 3.9303% | 1,127 |
| Loan and lease loss provision to assets | 2.8796% | 352 |
| Net operating income to assets | -2.6734% | 7,592 |
| Return on assets (ROA) | -2.5722% | 7,571 |
| Pretax return on assets | -2.5722% | 7,525 |
| Return on Equity (ROE) | -31.7179% | 7,591 |
| Retained earnings to average equity (ytd only) | -31.7179% | 7,569 |
| Net charge-offs to loans | 3.8561% | 354 |
| Credit loss provision to net charge-offs | 97.8836% | 3,490 |
| Earnings coverage of net charge-offs (x) | 0.0701% | 4,974 |
| Efficiency ratio | 95.0141% | 1,079 |
| Assets per employee ($millions) | 3.4149% | 5,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6598% | 3,214 |
| Loan loss allowance to noncurrent loans | 42.6622% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 7.6586% | 652 |
| Noncurrent loans to loans | 3.8906% | 2,030 |
| Net loans and leases to total assets | 74.1408% | 1,940 |
| Net loans and leases to deposits | 86.6137% | 2,482 |
| Net loans and leases to core deposits | 88.0311% | 3,623 |
| Total domestic deposits to total assets | 85.5994% | 3,362 |
| Equity capital to assets | 7.8538% | 6,805 |
| Core capital (leverage) ratio | 7.8607% | 6,425 |
| Tier 1 risk-based capital ratio | 9.7560% | 7,176 |
| Total risk-based capital ratio | 11.0096% | 7,175 |
| Memoranda: | ||
| Average total assets | $102,790,500 | 5,069 |
| Average earning assets | $89,642,000 | 5,178 |
| Average equity | $8,336,000 | 5,732 |
| Average total loans | $78,421,000 | 4,564 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2259% | 1,173 |
| Cost of funding earning assets | 2.2685% | 1,775 |
| Net interest margin | 3.9574% | 3,044 |
| Noninterest income to average assets | 0.3795% | 5,380 |
| Noninterest expense to average assets | 3.7956% | 1,705 |
| Loan and lease loss provision to assets | 1.8156% | 1,241 |
| Net operating income to assets | -1.7170% | 6,971 |
| Return on assets (ROA) | -1.6935% | 6,960 |
| Pretax return on assets | -1.6935% | 6,814 |
| Return on Equity (ROE) | -19.5274% | 7,131 |
| Retained earnings to average equity (ytd only) | -20.1230% | 7,112 |
| Net charge-offs to loans | 2.1906% | 1,092 |
| Credit loss provision to net charge-offs | 107.3889% | 5,161 |
| Earnings coverage of net charge-offs (x) | 0.0583% | 6,114 |
| Efficiency ratio | 97.4674% | 1,243 |
| Assets per employee ($millions) | 3.5563% | 4,877 |
| Cash dividends to net income (ytd only)* | -3.0505% | 7,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6293% | 3,166 |
| Loan loss allowance to noncurrent loans | 54.6796% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 6.6428% | 809 |
| Noncurrent loans to loans | 2.9797% | 2,581 |
| Net loans and leases to total assets | 75.9284% | 1,812 |
| Net loans and leases to deposits | 88.7866% | 2,428 |
| Net loans and leases to core deposits | 106.2798% | 3,302 |
| Total domestic deposits to total assets | 85.5179% | 3,281 |
| Equity capital to assets | 8.3639% | 6,108 |
| Core capital (leverage) ratio | 8.2908% | 5,638 |
| Tier 1 risk-based capital ratio | 10.3363% | 6,551 |
| Total risk-based capital ratio | 11.5926% | 6,519 |
| Memoranda: | ||
| Average total assets | $106,464,600 | 4,916 |
| Average earning assets | $94,556,200 | 4,990 |
| Average equity | $9,233,200 | 5,536 |
| Average total loans | $82,167,600 | 4,439 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2402% | 1,269 |
| Cost of funding earning assets | 2.3254% | 1,893 |
| Net interest margin | 3.9148% | 3,181 |
| Noninterest income to average assets | 0.3952% | 5,330 |
| Noninterest expense to average assets | 3.7179% | 1,776 |
| Loan and lease loss provision to assets | 1.6775% | 1,110 |
| Net operating income to assets | -1.5110% | 7,119 |
| Return on assets (ROA) | -1.4800% | 7,097 |
| Pretax return on assets | -1.4800% | 6,951 |
| Return on Equity (ROE) | -16.9202% | 7,268 |
| Retained earnings to average equity (ytd only) | -17.7015% | 7,263 |
| Net charge-offs to loans | 1.7888% | 1,130 |
| Credit loss provision to net charge-offs | 121.5122% | 4,177 |
| Earnings coverage of net charge-offs (x) | 0.1206% | 5,911 |
| Efficiency ratio | 95.7134% | 1,290 |
| Assets per employee ($millions) | 3.4030% | 5,157 |
| Cash dividends to net income (ytd only)* | -4.6179% | 7,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7385% | 2,486 |
| Loan loss allowance to noncurrent loans | 79.7612% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 5.8838% | 930 |
| Noncurrent loans to loans | 2.1797% | 3,408 |
| Net loans and leases to total assets | 75.1690% | 2,206 |
| Net loans and leases to deposits | 89.0989% | 2,766 |
| Net loans and leases to core deposits | 106.5576% | 3,637 |
| Total domestic deposits to total assets | 84.3658% | 3,547 |
| Equity capital to assets | 8.7797% | 5,837 |
| Core capital (leverage) ratio | 8.5069% | 5,476 |
| Tier 1 risk-based capital ratio | 10.8340% | 6,123 |
| Total risk-based capital ratio | 12.0898% | 6,073 |
| Memoranda: | ||
| Average total assets | $107,297,250 | 4,927 |
| Average earning assets | $95,635,000 | 4,990 |
| Average equity | $9,385,000 | 5,524 |
| Average total loans | $82,808,250 | 4,460 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1235% | 1,717 |
| Cost of funding earning assets | 2.3555% | 2,143 |
| Net interest margin | 3.7680% | 3,690 |
| Noninterest income to average assets | 0.3615% | 5,623 |
| Noninterest expense to average assets | 3.6349% | 1,980 |
| Loan and lease loss provision to assets | 1.5793% | 1,076 |
| Net operating income to assets | -1.4755% | 7,231 |
| Return on assets (ROA) | -1.4291% | 7,217 |
| Pretax return on assets | -1.4291% | 7,056 |
| Return on Equity (ROE) | -16.3590% | 7,397 |
| Retained earnings to average equity (ytd only) | -17.5260% | 7,373 |
| Net charge-offs to loans | 1.4801% | 1,281 |
| Credit loss provision to net charge-offs | 137.8641% | 3,389 |
| Earnings coverage of net charge-offs (x) | 0.0906% | 5,585 |
| Efficiency ratio | 97.2236% | 1,304 |
| Assets per employee ($millions) | 3.1781% | 5,632 |
| Cash dividends to net income (ytd only)* | -7.1336% | 7,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7365% | 2,226 |
| Loan loss allowance to noncurrent loans | 67.0504% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 5.6970% | 871 |
| Noncurrent loans to loans | 2.5898% | 2,801 |
| Net loans and leases to total assets | 73.2111% | 2,910 |
| Net loans and leases to deposits | 86.5790% | 3,445 |
| Net loans and leases to core deposits | 103.9854% | 4,062 |
| Total domestic deposits to total assets | 84.5599% | 3,471 |
| Equity capital to assets | 8.7760% | 5,635 |
| Core capital (leverage) ratio | 9.1797% | 4,331 |
| Tier 1 risk-based capital ratio | 11.4319% | 5,464 |
| Total risk-based capital ratio | 12.6865% | 5,369 |
| Memoranda: | ||
| Average total assets | $107,898,670 | 4,942 |
| Average earning assets | $96,709,670 | 4,983 |
| Average equity | $9,426,000 | 5,537 |
| Average total loans | $83,510,670 | 4,479 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1319% | 1,823 |
| Cost of funding earning assets | 2.4815% | 1,985 |
| Net interest margin | 3.6504% | 4,099 |
| Noninterest income to average assets | 0.3636% | 5,526 |
| Noninterest expense to average assets | 3.6468% | 1,760 |
| Loan and lease loss provision to assets | 2.7898% | 403 |
| Net operating income to assets | -2.7713% | 7,809 |
| Return on assets (ROA) | -2.6785% | 7,793 |
| Pretax return on assets | -2.6785% | 7,694 |
| Return on Equity (ROE) | -30.7316% | 7,913 |
| Retained earnings to average equity (ytd only) | -33.0726% | 7,888 |
| Net charge-offs to loans | 2.5502% | 542 |
| Credit loss provision to net charge-offs | 138.7454% | 2,933 |
| Earnings coverage of net charge-offs (x) | 0.0092% | 4,969 |
| Efficiency ratio | 99.4939% | 1,155 |
| Assets per employee ($millions) | 3.1685% | 5,680 |
| Cash dividends to net income (ytd only)* | -7.6177% | 8,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6530% | 2,303 |
| Loan loss allowance to noncurrent loans | 34.1112% | 6,262 |
| Noncurrent assets plus other real estate owned to assets | 5.7125% | 723 |
| Noncurrent loans to loans | 4.8459% | 1,136 |
| Net loans and leases to total assets | 78.1812% | 1,779 |
| Net loans and leases to deposits | 90.9078% | 2,790 |
| Net loans and leases to core deposits | 110.2573% | 3,400 |
| Total domestic deposits to total assets | 86.0005% | 2,726 |
| Equity capital to assets | 8.7987% | 5,628 |
| Core capital (leverage) ratio | 8.8043% | 4,978 |
| Tier 1 risk-based capital ratio | 11.3969% | 5,511 |
| Total risk-based capital ratio | 12.6309% | 5,426 |
| Memoranda: | ||
| Average total assets | $107,820,000 | 4,959 |
| Average earning assets | $97,522,500 | 4,989 |
| Average equity | $9,397,500 | 5,566 |
| Average total loans | $85,012,500 | 4,460 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7878% | 1,720 |
| Cost of funding earning assets | 2.9779% | 1,950 |
| Net interest margin | 3.8098% | 3,980 |
| Noninterest income to average assets | 0.7247% | 2,942 |
| Noninterest expense to average assets | 3.6123% | 2,113 |
| Loan and lease loss provision to assets | 1.1989% | 1,199 |
| Net operating income to assets | -0.7274% | 7,083 |
| Return on assets (ROA) | -0.7291% | 6,987 |
| Pretax return on assets | -0.7291% | 6,830 |
| Return on Equity (ROE) | -8.1995% | 7,138 |
| Retained earnings to average equity (ytd only) | -11.6364% | 7,218 |
| Net charge-offs to loans | 1.2442% | 967 |
| Credit loss provision to net charge-offs | 124.2534% | 4,309 |
| Earnings coverage of net charge-offs (x) | 0.4887% | 5,941 |
| Efficiency ratio | 88.4541% | 1,636 |
| Assets per employee ($millions) | 3.3660% | 5,048 |
| Cash dividends to net income (ytd only)* | -41.9162% | 8,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 3,537 |
| Loan loss allowance to noncurrent loans | 27.9740% | 6,836 |
| Noncurrent assets plus other real estate owned to assets | 4.4716% | 846 |
| Noncurrent loans to loans | 4.7880% | 956 |
| Net loans and leases to total assets | 77.1883% | 2,334 |
| Net loans and leases to deposits | 89.2400% | 3,592 |
| Net loans and leases to core deposits | 107.2917% | 4,047 |
| Total domestic deposits to total assets | 86.4952% | 2,168 |
| Equity capital to assets | 8.6380% | 5,883 |
| Core capital (leverage) ratio | 9.3014% | 4,299 |
| Tier 1 risk-based capital ratio | 11.4843% | 5,249 |
| Total risk-based capital ratio | 12.7354% | 5,144 |
| Memoranda: | ||
| Average total assets | $114,524,800 | 4,659 |
| Average earning assets | $100,975,800 | 4,776 |
| Average equity | $10,183,600 | 5,355 |
| Average total loans | $88,811,400 | 4,264 |