Home > Liberty Bank of Maryland > Performance and Condition Ratios
Liberty Bank of Maryland, Performance and Condition Ratios
| 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 | 4.5740% | 1,330 |
| Cost of funding earning assets | 0.6754% | 915 |
| Net interest margin | 3.8986% | 1,938 |
| Noninterest income to average assets | 0.0436% | 5,987 |
| Noninterest expense to average assets | 6.2444% | 164 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -2.6154% | 6,090 |
| Return on assets (ROA) | -2.6154% | 6,089 |
| Pretax return on assets | -2.6154% | 6,086 |
| Return on Equity (ROE) | -16.8717% | 6,059 |
| Retained earnings to average equity (ytd only) | -16.8717% | 5,930 |
| Net charge-offs to loans | 1.2765% | 144 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -2.4242% | 3,024 |
| Efficiency ratio | 172.0721% | 29 |
| Assets per employee ($millions) | 3.5653% | 4,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2661% | 6,018 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 4,751 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 88.3123% | 102 |
| Net loans and leases to deposits | 108.6398% | 263 |
| Net loans and leases to core deposits | 109.9679% | 856 |
| Total domestic deposits to total assets | 81.2891% | 4,408 |
| Equity capital to assets | 15.6228% | 578 |
| Core capital (leverage) ratio | 14.8451% | 632 |
| Tier 1 risk-based capital ratio | 29.0871% | 545 |
| Total risk-based capital ratio | 29.5291% | 575 |
| Memoranda: | ||
| Average total assets | $36,705,000 | 5,783 |
| Average earning assets | $33,756,000 | 5,769 |
| Average equity | $5,690,000 | 5,481 |
| Average total loans | $31,021,500 | 5,308 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2875% | 2,260 |
| Cost of funding earning assets | 0.6789% | 920 |
| Net interest margin | 3.6086% | 3,096 |
| Noninterest income to average assets | 0.0967% | 5,884 |
| Noninterest expense to average assets | 4.0397% | 633 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.6376% | 6,067 |
| Return on assets (ROA) | -0.4860% | 6,050 |
| Pretax return on assets | -0.4860% | 6,040 |
| Return on Equity (ROE) | -3.1430% | 6,014 |
| Retained earnings to average equity (ytd only) | -3.1430% | 5,832 |
| Net charge-offs to loans | 0.2249% | 1,317 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -3.6970% | 4,386 |
| Efficiency ratio | 118.7404% | 97 |
| Assets per employee ($millions) | 3.7482% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5292% | 5,898 |
| Loan loss allowance to noncurrent loans | 19.4412% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 2.2918% | 710 |
| Noncurrent loans to loans | 2.7219% | 641 |
| Net loans and leases to total assets | 83.7522% | 414 |
| Net loans and leases to deposits | 104.4659% | 417 |
| Net loans and leases to core deposits | 104.4659% | 1,197 |
| Total domestic deposits to total assets | 80.1718% | 4,704 |
| Equity capital to assets | 15.4661% | 602 |
| Core capital (leverage) ratio | 14.8233% | 650 |
| Tier 1 risk-based capital ratio | 28.2315% | 587 |
| Total risk-based capital ratio | 29.0508% | 603 |
| Memoranda: | ||
| Average total assets | $38,270,000 | 5,802 |
| Average earning assets | $35,055,000 | 5,782 |
| Average equity | $5,918,000 | 5,454 |
| Average total loans | $29,340,000 | 5,386 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2773% | 2,310 |
| Cost of funding earning assets | 0.6831% | 919 |
| Net interest margin | 3.5941% | 3,187 |
| Noninterest income to average assets | 0.0901% | 5,994 |
| Noninterest expense to average assets | 4.1524% | 560 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.7799% | 6,174 |
| Return on assets (ROA) | -0.5788% | 6,152 |
| Pretax return on assets | -0.5788% | 6,145 |
| Return on Equity (ROE) | -3.7433% | 6,118 |
| Retained earnings to average equity (ytd only) | -3.7433% | 5,976 |
| Net charge-offs to loans | 0.3057% | 873 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -3.4090% | 4,109 |
| Efficiency ratio | 123.1244% | 91 |
| Assets per employee ($millions) | 3.1824% | 5,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5236% | 5,995 |
| Loan loss allowance to noncurrent loans | 18.8073% | 5,587 |
| Noncurrent assets plus other real estate owned to assets | 2.2834% | 808 |
| Noncurrent loans to loans | 2.7843% | 676 |
| Net loans and leases to total assets | 81.5811% | 627 |
| Net loans and leases to deposits | 103.2717% | 488 |
| Net loans and leases to core deposits | 103.2717% | 1,282 |
| Total domestic deposits to total assets | 78.9966% | 4,979 |
| Equity capital to assets | 15.2505% | 688 |
| Core capital (leverage) ratio | 15.1939% | 602 |
| Tier 1 risk-based capital ratio | 30.3495% | 501 |
| Total risk-based capital ratio | 31.2116% | 518 |
| Memoranda: | ||
| Average total assets | $38,467,000 | 5,874 |
| Average earning assets | $35,130,500 | 5,862 |
| Average equity | $5,948,250 | 5,512 |
| Average total loans | $28,785,250 | 5,477 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2986% | 2,173 |
| Cost of funding earning assets | 0.6802% | 929 |
| Net interest margin | 3.6183% | 3,020 |
| Noninterest income to average assets | 0.0674% | 6,119 |
| Noninterest expense to average assets | 4.1546% | 578 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.8039% | 6,241 |
| Return on assets (ROA) | -0.5031% | 6,200 |
| Pretax return on assets | -0.5031% | 6,188 |
| Return on Equity (ROE) | -3.2389% | 6,162 |
| Retained earnings to average equity (ytd only) | -3.2389% | 5,934 |
| Net charge-offs to loans | -0.0429% | 5,487 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.9938% | 95 |
| Assets per employee ($millions) | 3.2366% | 5,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7678% | 5,674 |
| Loan loss allowance to noncurrent loans | 24.4086% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 2.3945% | 812 |
| Noncurrent loans to loans | 3.1457% | 609 |
| Net loans and leases to total assets | 75.5349% | 1,429 |
| Net loans and leases to deposits | 89.4857% | 1,662 |
| Net loans and leases to core deposits | 90.1761% | 2,333 |
| Total domestic deposits to total assets | 84.4100% | 3,397 |
| Equity capital to assets | 15.1806% | 670 |
| Core capital (leverage) ratio | 14.8585% | 646 |
| Tier 1 risk-based capital ratio | 31.5176% | 474 |
| Total risk-based capital ratio | 32.7419% | 472 |
| Memoranda: | ||
| Average total assets | $38,559,670 | 5,935 |
| Average earning assets | $34,988,330 | 5,929 |
| Average equity | $5,989,670 | 5,553 |
| Average total loans | $27,940,670 | 5,555 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2687% | 2,197 |
| Cost of funding earning assets | 0.6794% | 952 |
| Net interest margin | 3.5893% | 3,052 |
| Noninterest income to average assets | 0.0521% | 6,226 |
| Noninterest expense to average assets | 4.3103% | 492 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.9578% | 6,314 |
| Return on assets (ROA) | -0.3540% | 6,220 |
| Pretax return on assets | -0.3540% | 6,205 |
| Return on Equity (ROE) | -2.2530% | 6,183 |
| Retained earnings to average equity (ytd only) | -2.2530% | 5,713 |
| Net charge-offs to loans | -0.0442% | 5,456 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.5714% | 87 |
| Assets per employee ($millions) | 3.5164% | 4,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8038% | 5,686 |
| Loan loss allowance to noncurrent loans | 23.4801% | 5,671 |
| Noncurrent assets plus other real estate owned to assets | 2.4664% | 875 |
| Noncurrent loans to loans | 3.4234% | 572 |
| Net loans and leases to total assets | 71.4659% | 1,902 |
| Net loans and leases to deposits | 87.6387% | 1,656 |
| Net loans and leases to core deposits | 88.3417% | 2,293 |
| Total domestic deposits to total assets | 81.5460% | 4,655 |
| Equity capital to assets | 15.4964% | 623 |
| Core capital (leverage) ratio | 15.2533% | 573 |
| Tier 1 risk-based capital ratio | 31.0804% | 490 |
| Total risk-based capital ratio | 32.2540% | 489 |
| Memoranda: | ||
| Average total assets | $38,420,000 | 5,999 |
| Average earning assets | $35,327,000 | 5,980 |
| Average equity | $6,036,500 | 5,589 |
| Average total loans | $27,129,000 | 5,632 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2888% | 2,650 |
| Cost of funding earning assets | 0.7202% | 1,003 |
| Net interest margin | 3.5686% | 3,525 |
| Noninterest income to average assets | 0.0943% | 6,172 |
| Noninterest expense to average assets | 3.7480% | 1,068 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.2932% | 6,234 |
| Return on assets (ROA) | 0.0484% | 6,049 |
| Pretax return on assets | 0.0484% | 6,046 |
| Return on Equity (ROE) | 0.3085% | 6,071 |
| Retained earnings to average equity (ytd only) | 0.3085% | 5,641 |
| Net charge-offs to loans | 0.5240% | 779 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -0.8156% | 4,787 |
| Efficiency ratio | 108.4871% | 238 |
| Assets per employee ($millions) | 3.4691% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8374% | 5,667 |
| Loan loss allowance to noncurrent loans | 21.3115% | 5,816 |
| Noncurrent assets plus other real estate owned to assets | 2.7175% | 812 |
| Noncurrent loans to loans | 3.9294% | 483 |
| Net loans and leases to total assets | 68.5797% | 2,477 |
| Net loans and leases to deposits | 84.5530% | 2,154 |
| Net loans and leases to core deposits | 85.2443% | 2,758 |
| Total domestic deposits to total assets | 81.1085% | 4,717 |
| Equity capital to assets | 15.9303% | 546 |
| Core capital (leverage) ratio | 15.4943% | 534 |
| Tier 1 risk-based capital ratio | 34.4634% | 356 |
| Total risk-based capital ratio | 35.7110% | 351 |
| Memoranda: | ||
| Average total assets | $39,220,800 | 6,056 |
| Average earning assets | $36,933,200 | 6,018 |
| Average equity | $6,159,000 | 5,582 |
| Average total loans | $26,909,000 | 5,703 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4180% | 2,166 |
| Cost of funding earning assets | 0.7250% | 1,017 |
| Net interest margin | 3.6931% | 3,051 |
| Noninterest income to average assets | 0.0608% | 6,356 |
| Noninterest expense to average assets | 3.5320% | 1,406 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0034% | 6,136 |
| Return on assets (ROA) | 0.3444% | 5,517 |
| Pretax return on assets | 0.3444% | 5,688 |
| Return on Equity (ROE) | 2.2010% | 5,788 |
| Retained earnings to average equity (ytd only) | 2.2010% | 4,956 |
| Net charge-offs to loans | 0.6953% | 501 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.0071% | 4,450 |
| Efficiency ratio | 99.9045% | 371 |
| Assets per employee ($millions) | 3.2262% | 5,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8472% | 5,753 |
| Loan loss allowance to noncurrent loans | 22.4385% | 5,899 |
| Noncurrent assets plus other real estate owned to assets | 2.5211% | 1,037 |
| Noncurrent loans to loans | 3.7755% | 594 |
| Net loans and leases to total assets | 66.2086% | 2,822 |
| Net loans and leases to deposits | 81.6670% | 2,467 |
| Net loans and leases to core deposits | 82.3254% | 3,068 |
| Total domestic deposits to total assets | 81.0714% | 4,804 |
| Equity capital to assets | 15.9787% | 573 |
| Core capital (leverage) ratio | 15.6061% | 527 |
| Tier 1 risk-based capital ratio | 36.2303% | 317 |
| Total risk-based capital ratio | 37.4753% | 311 |
| Memoranda: | ||
| Average total assets | $39,486,000 | 6,121 |
| Average earning assets | $37,149,750 | 6,085 |
| Average equity | $6,179,000 | 5,643 |
| Average total loans | $27,038,500 | 5,753 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2792% | 2,666 |
| Cost of funding earning assets | 0.7309% | 1,020 |
| Net interest margin | 3.5484% | 3,578 |
| Noninterest income to average assets | 0.0654% | 6,391 |
| Noninterest expense to average assets | 3.3666% | 1,761 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0705% | 6,097 |
| Return on assets (ROA) | 0.0705% | 6,119 |
| Pretax return on assets | 0.0705% | 6,124 |
| Return on Equity (ROE) | 0.4533% | 6,157 |
| Retained earnings to average equity (ytd only) | 0.4533% | 5,563 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9502% | 470 |
| Assets per employee ($millions) | 3.5644% | 4,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3183% | 3,758 |
| Loan loss allowance to noncurrent loans | 34.4595% | 5,659 |
| Noncurrent assets plus other real estate owned to assets | 2.6423% | 1,019 |
| Noncurrent loans to loans | 3.8257% | 644 |
| Net loans and leases to total assets | 68.1570% | 2,387 |
| Net loans and leases to deposits | 84.0425% | 2,036 |
| Net loans and leases to core deposits | 84.7193% | 2,656 |
| Total domestic deposits to total assets | 81.0982% | 4,949 |
| Equity capital to assets | 15.9024% | 569 |
| Core capital (leverage) ratio | 15.1311% | 583 |
| Tier 1 risk-based capital ratio | 34.6424% | 359 |
| Total risk-based capital ratio | 35.9031% | 354 |
| Memoranda: | ||
| Average total assets | $39,743,330 | 6,179 |
| Average earning assets | $37,763,670 | 6,117 |
| Average equity | $6,176,670 | 5,683 |
| Average total loans | $27,434,330 | 5,770 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3100% | 2,485 |
| Cost of funding earning assets | 0.7618% | 917 |
| Net interest margin | 3.5482% | 3,493 |
| Noninterest income to average assets | 0.0400% | 6,509 |
| Noninterest expense to average assets | 3.3291% | 1,881 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1100% | 6,007 |
| Return on assets (ROA) | 0.1100% | 6,040 |
| Pretax return on assets | 0.1100% | 6,060 |
| Return on Equity (ROE) | 0.7157% | 6,100 |
| Retained earnings to average equity (ytd only) | 0.7157% | 5,304 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8023% | 603 |
| Assets per employee ($millions) | 3.6377% | 4,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2866% | 4,192 |
| Loan loss allowance to noncurrent loans | 498.5915% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.1774% | 5,696 |
| Noncurrent loans to loans | 0.2580% | 5,328 |
| Net loans and leases to total assets | 67.8770% | 2,239 |
| Net loans and leases to deposits | 81.7979% | 2,067 |
| Net loans and leases to core deposits | 82.4310% | 2,692 |
| Total domestic deposits to total assets | 82.9814% | 4,608 |
| Equity capital to assets | 15.4092% | 615 |
| Core capital (leverage) ratio | 14.9568% | 608 |
| Tier 1 risk-based capital ratio | 33.1682% | 409 |
| Total risk-based capital ratio | 34.4260% | 404 |
| Memoranda: | ||
| Average total assets | $40,011,000 | 6,237 |
| Average earning assets | $38,329,500 | 6,154 |
| Average equity | $6,147,500 | 5,718 |
| Average total loans | $27,611,500 | 5,823 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3738% | 2,675 |
| Cost of funding earning assets | 0.8783% | 827 |
| Net interest margin | 3.4955% | 3,929 |
| Noninterest income to average assets | 0.1099% | 6,352 |
| Noninterest expense to average assets | 3.3302% | 2,050 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0597% | 6,115 |
| Return on assets (ROA) | 0.0597% | 6,163 |
| Pretax return on assets | 0.0597% | 6,144 |
| Return on Equity (ROE) | 0.4025% | 6,182 |
| Retained earnings to average equity (ytd only) | 0.4025% | 5,666 |
| Net charge-offs to loans | 1.4634% | 329 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.0611% | 5,072 |
| Efficiency ratio | 98.2382% | 538 |
| Assets per employee ($millions) | 4.0007% | 3,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 4,292 |
| Loan loss allowance to noncurrent loans | 488.8889% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.1800% | 5,775 |
| Noncurrent loans to loans | 0.2599% | 5,402 |
| Net loans and leases to total assets | 68.3780% | 2,286 |
| Net loans and leases to deposits | 81.0212% | 2,318 |
| Net loans and leases to core deposits | 81.6353% | 2,940 |
| Total domestic deposits to total assets | 84.3952% | 4,020 |
| Equity capital to assets | 15.3198% | 618 |
| Core capital (leverage) ratio | 14.7320% | 639 |
| Tier 1 risk-based capital ratio | 33.0850% | 393 |
| Total risk-based capital ratio | 34.3415% | 387 |
| Memoranda: | ||
| Average total assets | $41,859,200 | 6,232 |
| Average earning assets | $39,279,000 | 6,191 |
| Average equity | $6,210,600 | 5,761 |
| Average total loans | $27,949,200 | 5,847 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2946% | 3,017 |
| Cost of funding earning assets | 0.8974% | 825 |
| Net interest margin | 3.3972% | 4,299 |
| Noninterest income to average assets | 0.1166% | 6,428 |
| Noninterest expense to average assets | 3.3866% | 1,858 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.0977% | 6,379 |
| Return on assets (ROA) | -0.0977% | 6,417 |
| Pretax return on assets | -0.0977% | 6,400 |
| Return on Equity (ROE) | -0.6633% | 6,398 |
| Retained earnings to average equity (ytd only) | -0.6633% | 6,075 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.9693% | 381 |
| Assets per employee ($millions) | 3.7194% | 4,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6648% | 778 |
| Loan loss allowance to noncurrent loans | 46.5159% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 3.9987% | 779 |
| Noncurrent loans to loans | 5.7289% | 466 |
| Net loans and leases to total assets | 67.9393% | 2,305 |
| Net loans and leases to deposits | 80.2726% | 2,370 |
| Net loans and leases to core deposits | 80.8658% | 3,023 |
| Total domestic deposits to total assets | 84.6357% | 3,911 |
| Equity capital to assets | 14.9903% | 716 |
| Core capital (leverage) ratio | 14.1496% | 836 |
| Tier 1 risk-based capital ratio | 32.3546% | 428 |
| Total risk-based capital ratio | 33.6389% | 419 |
| Memoranda: | ||
| Average total assets | $42,322,250 | 6,287 |
| Average earning assets | $39,521,750 | 6,252 |
| Average equity | $6,231,000 | 5,829 |
| Average total loans | $28,009,500 | 5,907 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3058% | 2,935 |
| Cost of funding earning assets | 0.9306% | 772 |
| Net interest margin | 3.3753% | 4,285 |
| Noninterest income to average assets | 0.1449% | 6,322 |
| Noninterest expense to average assets | 3.2997% | 2,074 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0187% | 6,321 |
| Return on assets (ROA) | -0.0187% | 6,379 |
| Pretax return on assets | -0.0187% | 6,374 |
| Return on Equity (ROE) | -0.1277% | 6,375 |
| Retained earnings to average equity (ytd only) | -0.1277% | 5,878 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5698% | 469 |
| Assets per employee ($millions) | 4.2047% | 3,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7605% | 743 |
| Loan loss allowance to noncurrent loans | 40.0526% | 5,625 |
| Noncurrent assets plus other real estate owned to assets | 4.5188% | 731 |
| Noncurrent loans to loans | 6.8923% | 362 |
| Net loans and leases to total assets | 63.7525% | 2,955 |
| Net loans and leases to deposits | 74.9818% | 3,017 |
| Net loans and leases to core deposits | 75.5184% | 3,604 |
| Total domestic deposits to total assets | 85.0239% | 3,879 |
| Equity capital to assets | 14.6527% | 787 |
| Core capital (leverage) ratio | 13.7778% | 890 |
| Tier 1 risk-based capital ratio | 32.9494% | 407 |
| Total risk-based capital ratio | 34.2348% | 399 |
| Memoranda: | ||
| Average total assets | $42,792,000 | 6,321 |
| Average earning assets | $39,760,000 | 6,290 |
| Average equity | $6,263,670 | 5,863 |
| Average total loans | $27,827,000 | 5,942 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1771% | 3,395 |
| Cost of funding earning assets | 0.9793% | 678 |
| Net interest margin | 3.1978% | 4,942 |
| Noninterest income to average assets | 0.2131% | 5,955 |
| Noninterest expense to average assets | 3.3453% | 1,971 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1668% | 6,492 |
| Return on assets (ROA) | -0.1668% | 6,536 |
| Pretax return on assets | -0.1668% | 6,526 |
| Return on Equity (ROE) | -1.1401% | 6,508 |
| Retained earnings to average equity (ytd only) | -1.1401% | 5,971 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2478% | 410 |
| Assets per employee ($millions) | 3.9361% | 4,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7345% | 878 |
| Loan loss allowance to noncurrent loans | 32.4106% | 5,939 |
| Noncurrent assets plus other real estate owned to assets | 5.4230% | 638 |
| Noncurrent loans to loans | 8.4369% | 301 |
| Net loans and leases to total assets | 62.5193% | 2,964 |
| Net loans and leases to deposits | 73.4792% | 2,990 |
| Net loans and leases to core deposits | 75.0187% | 3,465 |
| Total domestic deposits to total assets | 85.0844% | 3,998 |
| Equity capital to assets | 14.4929% | 878 |
| Core capital (leverage) ratio | 13.5666% | 923 |
| Tier 1 risk-based capital ratio | 32.5187% | 430 |
| Total risk-based capital ratio | 33.8067% | 420 |
| Memoranda: | ||
| Average total assets | $43,164,500 | 6,371 |
| Average earning assets | $40,027,500 | 6,335 |
| Average equity | $6,315,000 | 5,908 |
| Average total loans | $27,957,000 | 5,990 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7954% | 2,217 |
| Cost of funding earning assets | 1.2303% | 501 |
| Net interest margin | 3.5651% | 4,247 |
| Noninterest income to average assets | 0.0491% | 6,695 |
| Noninterest expense to average assets | 3.2736% | 2,416 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.0045% | 6,158 |
| Return on assets (ROA) | 0.0045% | 6,297 |
| Pretax return on assets | 0.0045% | 6,276 |
| Return on Equity (ROE) | 0.0311% | 6,301 |
| Retained earnings to average equity (ytd only) | 0.0311% | 5,818 |
| Net charge-offs to loans | 3.3578% | 121 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 0.0020% | 5,482 |
| Efficiency ratio | 99.8638% | 565 |
| Assets per employee ($millions) | 4.3032% | 3,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7097% | 914 |
| Loan loss allowance to noncurrent loans | 55.5474% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 3.1837% | 1,462 |
| Noncurrent loans to loans | 4.8782% | 837 |
| Net loans and leases to total assets | 63.4946% | 2,981 |
| Net loans and leases to deposits | 74.9561% | 2,972 |
| Net loans and leases to core deposits | 76.4986% | 3,468 |
| Total domestic deposits to total assets | 84.7091% | 3,985 |
| Equity capital to assets | 14.7681% | 799 |
| Core capital (leverage) ratio | 13.5430% | 927 |
| Tier 1 risk-based capital ratio | 32.1332% | 427 |
| Total risk-based capital ratio | 33.4183% | 419 |
| Memoranda: | ||
| Average total assets | $44,782,200 | 6,352 |
| Average earning assets | $40,560,000 | 6,344 |
| Average equity | $6,437,000 | 5,907 |
| Average total loans | $29,543,400 | 5,974 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8115% | 2,352 |
| Cost of funding earning assets | 1.2750% | 490 |
| Net interest margin | 3.5365% | 4,499 |
| Noninterest income to average assets | 0.0590% | 6,771 |
| Noninterest expense to average assets | 3.3200% | 2,214 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.0796% | 6,385 |
| Return on assets (ROA) | -0.0796% | 6,483 |
| Pretax return on assets | -0.0796% | 6,467 |
| Return on Equity (ROE) | -0.5575% | 6,467 |
| Retained earnings to average equity (ytd only) | -0.5575% | 6,189 |
| Net charge-offs to loans | 1.0164% | 1,046 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.1184% | 5,386 |
| Efficiency ratio | 102.4568% | 462 |
| Assets per employee ($millions) | 3.2850% | 5,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0383% | 142 |
| Loan loss allowance to noncurrent loans | 76.3764% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 5.5380% | 767 |
| Noncurrent loans to loans | 6.5967% | 575 |
| Net loans and leases to total assets | 67.3504% | 2,392 |
| Net loans and leases to deposits | 79.6886% | 2,438 |
| Net loans and leases to core deposits | 81.2211% | 3,060 |
| Total domestic deposits to total assets | 84.5170% | 3,972 |
| Equity capital to assets | 15.2160% | 767 |
| Core capital (leverage) ratio | 13.4659% | 1,025 |
| Tier 1 risk-based capital ratio | 29.6666% | 548 |
| Total risk-based capital ratio | 30.9892% | 537 |
| Memoranda: | ||
| Average total assets | $45,219,750 | 6,419 |
| Average earning assets | $40,679,500 | 6,407 |
| Average equity | $6,457,500 | 5,974 |
| Average total loans | $29,908,250 | 6,026 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8300% | 2,382 |
| Cost of funding earning assets | 1.3204% | 475 |
| Net interest margin | 3.5097% | 4,625 |
| Noninterest income to average assets | 0.0174% | 6,953 |
| Noninterest expense to average assets | 3.2958% | 2,316 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.1390% | 6,475 |
| Return on assets (ROA) | -0.1390% | 6,568 |
| Pretax return on assets | -0.1390% | 6,546 |
| Return on Equity (ROE) | -0.9932% | 6,544 |
| Retained earnings to average equity (ytd only) | -0.9932% | 6,211 |
| Net charge-offs to loans | 1.5244% | 645 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.1410% | 5,143 |
| Efficiency ratio | 104.4017% | 427 |
| Assets per employee ($millions) | 3.7932% | 4,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0161% | 164 |
| Loan loss allowance to noncurrent loans | 76.0339% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 5.2155% | 893 |
| Noncurrent loans to loans | 6.5972% | 625 |
| Net loans and leases to total assets | 63.4826% | 3,151 |
| Net loans and leases to deposits | 74.1741% | 3,266 |
| Net loans and leases to core deposits | 75.6321% | 3,800 |
| Total domestic deposits to total assets | 85.5859% | 3,573 |
| Equity capital to assets | 14.1812% | 1,022 |
| Core capital (leverage) ratio | 13.0476% | 1,135 |
| Tier 1 risk-based capital ratio | 28.7339% | 594 |
| Total risk-based capital ratio | 30.0595% | 570 |
| Memoranda: | ||
| Average total assets | $46,058,000 | 6,435 |
| Average earning assets | $41,200,670 | 6,440 |
| Average equity | $6,444,000 | 5,999 |
| Average total loans | $29,781,670 | 6,075 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8577% | 2,410 |
| Cost of funding earning assets | 1.3699% | 470 |
| Net interest margin | 3.4878% | 4,764 |
| Noninterest income to average assets | 0.0432% | 6,962 |
| Noninterest expense to average assets | 3.3328% | 2,194 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.1899% | 6,623 |
| Return on assets (ROA) | -0.1899% | 6,679 |
| Pretax return on assets | -0.1899% | 6,656 |
| Return on Equity (ROE) | -1.3668% | 6,646 |
| Retained earnings to average equity (ytd only) | -1.3668% | 6,205 |
| Net charge-offs to loans | 3.0820% | 232 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.0969% | 4,405 |
| Efficiency ratio | 106.0440% | 408 |
| Assets per employee ($millions) | 3.5648% | 4,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1346% | 156 |
| Loan loss allowance to noncurrent loans | 75.8073% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 5.7960% | 826 |
| Noncurrent loans to loans | 6.7732% | 686 |
| Net loans and leases to total assets | 60.8390% | 3,479 |
| Net loans and leases to deposits | 70.7450% | 3,623 |
| Net loans and leases to core deposits | 72.1000% | 4,139 |
| Total domestic deposits to total assets | 85.9976% | 3,528 |
| Equity capital to assets | 13.8276% | 1,080 |
| Core capital (leverage) ratio | 12.8372% | 1,189 |
| Tier 1 risk-based capital ratio | 28.5666% | 599 |
| Total risk-based capital ratio | 29.8920% | 584 |
| Memoranda: | ||
| Average total assets | $46,328,000 | 6,477 |
| Average earning assets | $41,172,000 | 6,484 |
| Average equity | $6,438,500 | 6,030 |
| Average total loans | $29,461,500 | 6,140 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9603% | 3,069 |
| Cost of funding earning assets | 1.4386% | 884 |
| Net interest margin | 3.5216% | 5,062 |
| Noninterest income to average assets | 1.1097% | 1,078 |
| Noninterest expense to average assets | 3.6185% | 1,708 |
| Loan and lease loss provision to assets | 0.5677% | 1,832 |
| Net operating income to assets | 0.2978% | 5,267 |
| Return on assets (ROA) | 0.2978% | 5,417 |
| Pretax return on assets | 0.2956% | 5,567 |
| Return on Equity (ROE) | 2.2217% | 5,576 |
| Retained earnings to average equity (ytd only) | 2.2217% | 4,633 |
| Net charge-offs to loans | 0.8354% | 2,076 |
| Credit loss provision to net charge-offs | 101.1450% | 3,440 |
| Earnings coverage of net charge-offs (x) | 1.5382% | 4,622 |
| Efficiency ratio | 80.7361% | 2,195 |
| Assets per employee ($millions) | 3.3081% | 5,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0135% | 2,233 |
| Loan loss allowance to noncurrent loans | 45.5108% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 4.2428% | 1,320 |
| Noncurrent loans to loans | 4.4242% | 1,359 |
| Net loans and leases to total assets | 61.7848% | 3,644 |
| Net loans and leases to deposits | 71.9422% | 3,805 |
| Net loans and leases to core deposits | 72.8506% | 4,396 |
| Total domestic deposits to total assets | 85.8812% | 3,378 |
| Equity capital to assets | 13.9677% | 1,074 |
| Core capital (leverage) ratio | 12.9642% | 1,157 |
| Tier 1 risk-based capital ratio | 27.4425% | 668 |
| Total risk-based capital ratio | 31.1601% | 512 |
| Memoranda: | ||
| Average total assets | $46,677,200 | 6,463 |
| Average earning assets | $44,695,000 | 6,366 |
| Average equity | $6,256,400 | 6,087 |
| Average total loans | $31,363,200 | 6,104 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9751% | 3,212 |
| Cost of funding earning assets | 1.4433% | 1,049 |
| Net interest margin | 3.5319% | 5,056 |
| Noninterest income to average assets | 1.4654% | 608 |
| Noninterest expense to average assets | 3.6463% | 1,610 |
| Loan and lease loss provision to assets | 0.3478% | 2,795 |
| Net operating income to assets | 0.6529% | 3,858 |
| Return on assets (ROA) | 0.6529% | 4,027 |
| Pretax return on assets | 0.9037% | 3,746 |
| Return on Equity (ROE) | 4.9221% | 4,562 |
| Retained earnings to average equity (ytd only) | 4.9221% | 3,225 |
| Net charge-offs to loans | 0.5182% | 2,684 |
| Credit loss provision to net charge-offs | 98.3871% | 3,472 |
| Earnings coverage of net charge-offs (x) | 3.5403% | 3,405 |
| Efficiency ratio | 74.4470% | 3,095 |
| Assets per employee ($millions) | 2.9955% | 6,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9174% | 2,570 |
| Loan loss allowance to noncurrent loans | 43.0576% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 4.7003% | 1,255 |
| Noncurrent loans to loans | 4.4532% | 1,450 |
| Net loans and leases to total assets | 66.3699% | 2,808 |
| Net loans and leases to deposits | 78.0844% | 2,967 |
| Net loans and leases to core deposits | 78.6010% | 3,814 |
| Total domestic deposits to total assets | 84.9977% | 3,765 |
| Equity capital to assets | 14.6596% | 944 |
| Core capital (leverage) ratio | 13.5806% | 1,020 |
| Tier 1 risk-based capital ratio | 27.3214% | 716 |
| Total risk-based capital ratio | 31.1117% | 536 |
| Memoranda: | ||
| Average total assets | $46,768,000 | 6,518 |
| Average earning assets | $45,451,500 | 6,403 |
| Average equity | $6,203,250 | 6,147 |
| Average total loans | $31,903,250 | 6,140 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9783% | 3,261 |
| Cost of funding earning assets | 1.4657% | 1,138 |
| Net interest margin | 3.5126% | 5,098 |
| Noninterest income to average assets | 1.7349% | 447 |
| Noninterest expense to average assets | 3.6345% | 1,662 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9413% | 2,476 |
| Return on assets (ROA) | 0.9413% | 2,571 |
| Pretax return on assets | 1.5196% | 1,470 |
| Return on Equity (ROE) | 7.3412% | 3,272 |
| Retained earnings to average equity (ytd only) | 7.3412% | 1,721 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5160% | 4,020 |
| Assets per employee ($millions) | 3.0163% | 6,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8593% | 2,801 |
| Loan loss allowance to noncurrent loans | 42.7944% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 3.0213% | 2,224 |
| Noncurrent loans to loans | 4.3446% | 1,552 |
| Net loans and leases to total assets | 68.2484% | 2,570 |
| Net loans and leases to deposits | 79.6713% | 2,853 |
| Net loans and leases to core deposits | 79.6713% | 3,833 |
| Total domestic deposits to total assets | 85.6625% | 3,512 |
| Equity capital to assets | 13.9109% | 1,129 |
| Core capital (leverage) ratio | 13.3864% | 1,033 |
| Tier 1 risk-based capital ratio | 26.3503% | 779 |
| Total risk-based capital ratio | 28.8147% | 674 |
| Memoranda: | ||
| Average total assets | $47,379,670 | 6,552 |
| Average earning assets | $46,120,000 | 6,438 |
| Average equity | $6,075,330 | 6,216 |
| Average total loans | $32,402,670 | 6,167 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8598% | 3,776 |
| Cost of funding earning assets | 1.4927% | 1,196 |
| Net interest margin | 3.3671% | 5,552 |
| Noninterest income to average assets | 3.3439% | 191 |
| Noninterest expense to average assets | 3.8475% | 1,253 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6430% | 630 |
| Return on assets (ROA) | 1.6430% | 668 |
| Pretax return on assets | 2.7742% | 181 |
| Return on Equity (ROE) | 13.3423% | 1,120 |
| Retained earnings to average equity (ytd only) | 13.3423% | 541 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1047% | 6,257 |
| Assets per employee ($millions) | 3.1760% | 5,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8003% | 3,012 |
| Loan loss allowance to noncurrent loans | 56.1420% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 2.1872% | 3,079 |
| Noncurrent loans to loans | 3.2067% | 2,339 |
| Net loans and leases to total assets | 66.9794% | 2,762 |
| Net loans and leases to deposits | 81.3155% | 2,475 |
| Net loans and leases to core deposits | 81.3155% | 3,558 |
| Total domestic deposits to total assets | 82.3699% | 5,160 |
| Equity capital to assets | 12.6574% | 1,546 |
| Core capital (leverage) ratio | 12.7874% | 1,202 |
| Tier 1 risk-based capital ratio | 25.7112% | 811 |
| Total risk-based capital ratio | 27.2409% | 771 |
| Memoranda: | ||
| Average total assets | $48,447,000 | 6,575 |
| Average earning assets | $47,162,000 | 6,443 |
| Average equity | $5,966,000 | 6,262 |
| Average total loans | $32,872,000 | 6,191 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9678% | 4,704 |
| Cost of funding earning assets | 1.7438% | 1,402 |
| Net interest margin | 3.2239% | 6,209 |
| Noninterest income to average assets | 0.5608% | 3,742 |
| Noninterest expense to average assets | 4.5932% | 594 |
| Loan and lease loss provision to assets | 2.0503% | 636 |
| Net operating income to assets | -3.0353% | 7,303 |
| Return on assets (ROA) | -3.0353% | 7,320 |
| Pretax return on assets | -3.0353% | 7,300 |
| Return on Equity (ROE) | -22.5602% | 7,086 |
| Retained earnings to average equity (ytd only) | -22.5602% | 7,064 |
| Net charge-offs to loans | 2.9428% | 571 |
| Credit loss provision to net charge-offs | 100.3937% | 4,535 |
| Earnings coverage of net charge-offs (x) | -0.4823% | 6,445 |
| Efficiency ratio | 127.2981% | 339 |
| Assets per employee ($millions) | 3.0784% | 5,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7594% | 2,993 |
| Loan loss allowance to noncurrent loans | 57.1289% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 2.0790% | 3,246 |
| Noncurrent loans to loans | 3.0797% | 2,475 |
| Net loans and leases to total assets | 66.3195% | 3,402 |
| Net loans and leases to deposits | 79.9907% | 3,181 |
| Net loans and leases to core deposits | 80.4953% | 4,136 |
| Total domestic deposits to total assets | 82.9090% | 4,829 |
| Equity capital to assets | 11.9828% | 1,927 |
| Core capital (leverage) ratio | 12.5581% | 1,290 |
| Tier 1 risk-based capital ratio | 25.6601% | 791 |
| Total risk-based capital ratio | 27.7343% | 694 |
| Memoranda: | ||
| Average total assets | $49,747,800 | 6,547 |
| Average earning assets | $47,023,200 | 6,478 |
| Average equity | $6,693,200 | 6,135 |
| Average total loans | $34,524,400 | 6,179 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9642% | 4,975 |
| Cost of funding earning assets | 1.7583% | 1,597 |
| Net interest margin | 3.2059% | 6,323 |
| Noninterest income to average assets | 0.6871% | 2,897 |
| Noninterest expense to average assets | 4.1867% | 842 |
| Loan and lease loss provision to assets | 1.8982% | 647 |
| Net operating income to assets | -2.3901% | 7,323 |
| Return on assets (ROA) | -2.3901% | 7,337 |
| Pretax return on assets | -2.3901% | 7,295 |
| Return on Equity (ROE) | -17.2975% | 7,166 |
| Retained earnings to average equity (ytd only) | -17.2975% | 7,144 |
| Net charge-offs to loans | 3.5052% | 384 |
| Credit loss provision to net charge-offs | 77.5109% | 5,210 |
| Earnings coverage of net charge-offs (x) | -0.2009% | 6,176 |
| Efficiency ratio | 113.3140% | 472 |
| Assets per employee ($millions) | 3.2580% | 5,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 5,885 |
| Loan loss allowance to noncurrent loans | 16.4980% | 7,029 |
| Noncurrent assets plus other real estate owned to assets | 5.6668% | 1,075 |
| Noncurrent loans to loans | 6.7500% | 863 |
| Net loans and leases to total assets | 63.8793% | 4,150 |
| Net loans and leases to deposits | 77.7451% | 3,874 |
| Net loans and leases to core deposits | 81.2329% | 4,351 |
| Total domestic deposits to total assets | 82.1651% | 4,928 |
| Equity capital to assets | 12.8069% | 1,677 |
| Core capital (leverage) ratio | 13.0891% | 1,195 |
| Tier 1 risk-based capital ratio | 26.5588% | 735 |
| Total risk-based capital ratio | 29.1923% | 613 |
| Memoranda: | ||
| Average total assets | $49,871,250 | 6,618 |
| Average earning assets | $46,787,250 | 6,567 |
| Average equity | $6,891,000 | 6,151 |
| Average total loans | $34,843,000 | 6,246 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9504% | 5,176 |
| Cost of funding earning assets | 1.7757% | 1,742 |
| Net interest margin | 3.1746% | 6,392 |
| Noninterest income to average assets | 0.7370% | 2,470 |
| Noninterest expense to average assets | 3.6116% | 1,749 |
| Loan and lease loss provision to assets | 2.8909% | 349 |
| Net operating income to assets | -2.7810% | 7,473 |
| Return on assets (ROA) | -2.7810% | 7,483 |
| Pretax return on assets | -2.7810% | 7,431 |
| Return on Equity (ROE) | -19.6189% | 7,269 |
| Retained earnings to average equity (ytd only) | -19.6189% | 7,247 |
| Net charge-offs to loans | 4.7229% | 232 |
| Credit loss provision to net charge-offs | 85.3365% | 4,558 |
| Earnings coverage of net charge-offs (x) | 0.0325% | 5,681 |
| Efficiency ratio | 97.0460% | 915 |
| Assets per employee ($millions) | 3.1147% | 5,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 5,884 |
| Loan loss allowance to noncurrent loans | 10.6323% | 7,252 |
| Noncurrent assets plus other real estate owned to assets | 11.2732% | 305 |
| Noncurrent loans to loans | 10.4671% | 410 |
| Net loans and leases to total assets | 66.8626% | 3,646 |
| Net loans and leases to deposits | 82.3941% | 3,201 |
| Net loans and leases to core deposits | 85.2330% | 3,952 |
| Total domestic deposits to total assets | 81.1498% | 5,351 |
| Equity capital to assets | 13.6731% | 1,279 |
| Core capital (leverage) ratio | 14.0995% | 907 |
| Tier 1 risk-based capital ratio | 26.9685% | 701 |
| Total risk-based capital ratio | 29.2728% | 613 |
| Memoranda: | ||
| Average total assets | $49,119,000 | 6,690 |
| Average earning assets | $46,178,330 | 6,627 |
| Average equity | $6,962,670 | 6,153 |
| Average total loans | $35,232,670 | 6,276 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7550% | 6,051 |
| Cost of funding earning assets | 1.7842% | 1,940 |
| Net interest margin | 2.9708% | 6,895 |
| Noninterest income to average assets | 0.1559% | 6,854 |
| Noninterest expense to average assets | 3.6012% | 1,734 |
| Loan and lease loss provision to assets | 3.5684% | 262 |
| Net operating income to assets | -4.2001% | 7,730 |
| Return on assets (ROA) | -4.2001% | 7,736 |
| Pretax return on assets | -4.2001% | 7,706 |
| Return on Equity (ROE) | -29.1033% | 7,562 |
| Retained earnings to average equity (ytd only) | -29.1033% | 7,532 |
| Net charge-offs to loans | 4.5221% | 282 |
| Credit loss provision to net charge-offs | 106.8796% | 3,217 |
| Earnings coverage of net charge-offs (x) | -0.1892% | 5,159 |
| Efficiency ratio | 121.2707% | 430 |
| Assets per employee ($millions) | 3.1159% | 5,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4776% | 4,026 |
| Loan loss allowance to noncurrent loans | 15.6343% | 7,189 |
| Noncurrent assets plus other real estate owned to assets | 7.5380% | 676 |
| Noncurrent loans to loans | 9.4512% | 472 |
| Net loans and leases to total assets | 70.2150% | 2,881 |
| Net loans and leases to deposits | 87.0122% | 2,405 |
| Net loans and leases to core deposits | 90.3495% | 3,320 |
| Total domestic deposits to total assets | 80.6956% | 5,560 |
| Equity capital to assets | 13.6639% | 1,260 |
| Core capital (leverage) ratio | 14.3888% | 881 |
| Tier 1 risk-based capital ratio | 26.5889% | 732 |
| Total risk-based capital ratio | 28.1639% | 699 |
| Memoranda: | ||
| Average total assets | $48,761,000 | 6,775 |
| Average earning assets | $46,182,500 | 6,697 |
| Average equity | $7,037,000 | 6,179 |
| Average total loans | $36,001,000 | 6,316 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1275% | 5,970 |
| Cost of funding earning assets | 1.9373% | 3,267 |
| Net interest margin | 3.1902% | 6,128 |
| Noninterest income to average assets | 0.1539% | 6,962 |
| Noninterest expense to average assets | 3.9513% | 1,436 |
| Loan and lease loss provision to assets | 4.1052% | 314 |
| Net operating income to assets | -4.8519% | 7,723 |
| Return on assets (ROA) | -4.8519% | 7,722 |
| Pretax return on assets | -4.8519% | 7,681 |
| Return on Equity (ROE) | -27.8288% | 7,360 |
| Retained earnings to average equity (ytd only) | -27.8288% | 7,340 |
| Net charge-offs to loans | 4.0391% | 405 |
| Credit loss provision to net charge-offs | 125.1407% | 4,183 |
| Earnings coverage of net charge-offs (x) | -0.2276% | 6,487 |
| Efficiency ratio | 123.3035% | 555 |
| Assets per employee ($millions) | 3.6668% | 4,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3627% | 4,422 |
| Loan loss allowance to noncurrent loans | 14.5237% | 7,277 |
| Noncurrent assets plus other real estate owned to assets | 8.0180% | 560 |
| Noncurrent loans to loans | 9.3825% | 460 |
| Net loans and leases to total assets | 75.4699% | 1,929 |
| Net loans and leases to deposits | 95.4295% | 1,402 |
| Net loans and leases to core deposits | 115.8652% | 2,334 |
| Total domestic deposits to total assets | 79.0845% | 5,952 |
| Equity capital to assets | 15.2345% | 857 |
| Core capital (leverage) ratio | 16.1057% | 603 |
| Tier 1 risk-based capital ratio | 29.7552% | 538 |
| Total risk-based capital ratio | 31.1673% | 512 |
| Memoranda: | ||
| Average total assets | $48,743,600 | 6,758 |
| Average earning assets | $46,611,600 | 6,659 |
| Average equity | $8,498,400 | 5,766 |
| Average total loans | $39,588,000 | 6,134 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2092% | 5,839 |
| Cost of funding earning assets | 1.9769% | 3,479 |
| Net interest margin | 3.2323% | 5,906 |
| Noninterest income to average assets | 0.0707% | 7,561 |
| Noninterest expense to average assets | 3.9744% | 1,311 |
| Loan and lease loss provision to assets | 5.3998% | 146 |
| Net operating income to assets | -6.2078% | 7,935 |
| Return on assets (ROA) | -6.2078% | 7,933 |
| Pretax return on assets | -6.2078% | 7,921 |
| Return on Equity (ROE) | -34.5454% | 7,694 |
| Retained earnings to average equity (ytd only) | -34.5454% | 7,685 |
| Net charge-offs to loans | 5.2286% | 199 |
| Credit loss provision to net charge-offs | 125.3948% | 4,014 |
| Earnings coverage of net charge-offs (x) | -0.1876% | 6,280 |
| Efficiency ratio | 125.5155% | 520 |
| Assets per employee ($millions) | 3.5394% | 4,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 4,237 |
| Loan loss allowance to noncurrent loans | 18.3463% | 7,180 |
| Noncurrent assets plus other real estate owned to assets | 7.3568% | 625 |
| Noncurrent loans to loans | 7.3331% | 714 |
| Net loans and leases to total assets | 79.2076% | 1,348 |
| Net loans and leases to deposits | 102.3995% | 895 |
| Net loans and leases to core deposits | 123.9289% | 1,905 |
| Total domestic deposits to total assets | 77.3516% | 6,247 |
| Equity capital to assets | 16.1979% | 763 |
| Core capital (leverage) ratio | 16.9062% | 561 |
| Tier 1 risk-based capital ratio | 29.9205% | 570 |
| Total risk-based capital ratio | 31.3368% | 549 |
| Memoranda: | ||
| Average total assets | $49,012,500 | 6,804 |
| Average earning assets | $46,941,500 | 6,691 |
| Average equity | $8,807,500 | 5,717 |
| Average total loans | $40,367,000 | 6,137 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2338% | 5,942 |
| Cost of funding earning assets | 1.9970% | 3,793 |
| Net interest margin | 3.2368% | 5,784 |
| Noninterest income to average assets | 0.0760% | 7,605 |
| Noninterest expense to average assets | 3.8710% | 1,537 |
| Loan and lease loss provision to assets | 3.9390% | 321 |
| Net operating income to assets | -4.6228% | 7,905 |
| Return on assets (ROA) | -4.6228% | 7,902 |
| Pretax return on assets | -4.6228% | 7,820 |
| Return on Equity (ROE) | -24.9703% | 7,627 |
| Retained earnings to average equity (ytd only) | -24.9703% | 7,591 |
| Net charge-offs to loans | 4.0184% | 351 |
| Credit loss provision to net charge-offs | 118.1055% | 3,934 |
| Earnings coverage of net charge-offs (x) | -0.2050% | 5,890 |
| Efficiency ratio | 121.4555% | 643 |
| Assets per employee ($millions) | 3.8376% | 4,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6231% | 7,588 |
| Loan loss allowance to noncurrent loans | 5.8170% | 7,538 |
| Noncurrent assets plus other real estate owned to assets | 8.4768% | 421 |
| Noncurrent loans to loans | 10.7123% | 303 |
| Net loans and leases to total assets | 78.6386% | 1,607 |
| Net loans and leases to deposits | 109.4276% | 579 |
| Net loans and leases to core deposits | 129.9718% | 1,564 |
| Total domestic deposits to total assets | 71.8635% | 7,254 |
| Equity capital to assets | 17.1120% | 648 |
| Core capital (leverage) ratio | 17.8442% | 523 |
| Tier 1 risk-based capital ratio | 32.0270% | 499 |
| Total risk-based capital ratio | 32.9680% | 499 |
| Memoranda: | ||
| Average total assets | $50,012,670 | 6,827 |
| Average earning assets | $48,072,000 | 6,709 |
| Average equity | $9,259,000 | 5,594 |
| Average total loans | $41,508,670 | 6,134 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3535% | 5,640 |
| Cost of funding earning assets | 2.0865% | 3,712 |
| Net interest margin | 3.2670% | 5,630 |
| Noninterest income to average assets | 0.0719% | 7,701 |
| Noninterest expense to average assets | 4.1298% | 1,029 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.9186% | 7,210 |
| Return on assets (ROA) | -0.9186% | 7,232 |
| Pretax return on assets | -0.9186% | 7,105 |
| Return on Equity (ROE) | -4.7817% | 6,964 |
| Retained earnings to average equity (ytd only) | -4.7817% | 6,528 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.6070% | 515 |
| Assets per employee ($millions) | 3.8752% | 3,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2222% | 8,095 |
| Loan loss allowance to noncurrent loans | 3.4811% | 7,563 |
| Noncurrent assets plus other real estate owned to assets | 5.4172% | 799 |
| Noncurrent loans to loans | 6.3826% | 712 |
| Net loans and leases to total assets | 84.6855% | 596 |
| Net loans and leases to deposits | 120.6368% | 276 |
| Net loans and leases to core deposits | 148.8400% | 745 |
| Total domestic deposits to total assets | 70.1987% | 7,409 |
| Equity capital to assets | 19.0404% | 494 |
| Core capital (leverage) ratio | 19.7457% | 408 |
| Tier 1 risk-based capital ratio | 36.6203% | 388 |
| Total risk-based capital ratio | 36.9709% | 406 |
| Memoranda: | ||
| Average total assets | $50,074,500 | 6,861 |
| Average earning assets | $48,118,000 | 6,745 |
| Average equity | $9,620,000 | 5,499 |
| Average total loans | $42,524,000 | 6,112 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0748% | 5,174 |
| Cost of funding earning assets | 2.8353% | 2,553 |
| Net interest margin | 3.2395% | 6,241 |
| Noninterest income to average assets | 0.0608% | 7,843 |
| Noninterest expense to average assets | 3.0565% | 3,873 |
| Loan and lease loss provision to assets | 0.6075% | 2,395 |
| Net operating income to assets | -0.2088% | 6,629 |
| Return on assets (ROA) | -0.2088% | 6,476 |
| Pretax return on assets | -0.4841% | 6,641 |
| Return on Equity (ROE) | -1.1134% | 6,382 |
| Retained earnings to average equity (ytd only) | -1.1134% | 5,631 |
| Net charge-offs to loans | 0.7270% | 1,699 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 0.2031% | 6,113 |
| Efficiency ratio | 96.1194% | 1,146 |
| Assets per employee ($millions) | 3.3181% | 5,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1892% | 8,170 |
| Loan loss allowance to noncurrent loans | 2.9315% | 7,555 |
| Noncurrent assets plus other real estate owned to assets | 5.4830% | 596 |
| Noncurrent loans to loans | 6.4529% | 497 |
| Net loans and leases to total assets | 84.8087% | 755 |
| Net loans and leases to deposits | 116.9215% | 480 |
| Net loans and leases to core deposits | 146.3221% | 1,006 |
| Total domestic deposits to total assets | 72.5348% | 6,908 |
| Equity capital to assets | 19.3844% | 509 |
| Core capital (leverage) ratio | 20.1935% | 434 |
| Tier 1 risk-based capital ratio | 35.1458% | 435 |
| Total risk-based capital ratio | 35.4259% | 465 |
| Memoranda: | ||
| Average total assets | $52,674,600 | 6,673 |
| Average earning assets | $50,717,400 | 6,566 |
| Average equity | $9,879,800 | 5,446 |
| Average total loans | $44,019,400 | 5,978 |