Home > Mackinac Savings Bank, F.S.B. > Performance and Condition Ratios
Mackinac Savings Bank, F.S.B., Performance and Condition Ratios
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3945% | 4,934 |
| Cost of funding earning assets | 0.5040% | 2,057 |
| Net interest margin | 2.8905% | 5,103 |
| Noninterest income to average assets | 1.3067% | 597 |
| Noninterest expense to average assets | 3.6739% | 806 |
| Loan and lease loss provision to assets | 0.0072% | 3,464 |
| Net operating income to assets | 0.4488% | 4,783 |
| Return on assets (ROA) | 0.4488% | 4,804 |
| Pretax return on assets | 0.4488% | 5,062 |
| Return on Equity (ROE) | 5.1549% | 4,320 |
| Retained earnings to average equity (ytd only) | 5.1549% | 2,806 |
| Net charge-offs to loans | -0.0217% | 4,784 |
| Credit loss provision to net charge-offs | -50.0000% | 3,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9571% | 607 |
| Assets per employee ($millions) | 2.3725% | 5,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7575% | 5,181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 65.3293% | 3,071 |
| Net loans and leases to deposits | 74.1139% | 3,390 |
| Net loans and leases to core deposits | 75.6548% | 3,686 |
| Total domestic deposits to total assets | 88.1471% | 1,626 |
| Equity capital to assets | 8.6845% | 5,083 |
| Core capital (leverage) ratio | 8.6391% | 5,113 |
| Tier 1 risk-based capital ratio | 24.1142% | 858 |
| Total risk-based capital ratio | 25.3776% | 838 |
| Memoranda: | ||
| Average total assets | $110,508,000 | 4,167 |
| Average earning assets | $107,939,500 | 4,047 |
| Average equity | $9,622,000 | 4,601 |
| Average total loans | $73,712,000 | 3,959 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2780% | 5,194 |
| Cost of funding earning assets | 0.4896% | 2,166 |
| Net interest margin | 2.7884% | 5,310 |
| Noninterest income to average assets | 2.1491% | 310 |
| Noninterest expense to average assets | 4.4842% | 386 |
| Loan and lease loss provision to assets | -0.1795% | 5,768 |
| Net operating income to assets | 0.5605% | 4,387 |
| Return on assets (ROA) | 0.5605% | 4,490 |
| Pretax return on assets | 0.5752% | 4,858 |
| Return on Equity (ROE) | 6.5684% | 3,707 |
| Retained earnings to average equity (ytd only) | 6.5684% | 1,420 |
| Net charge-offs to loans | -0.2318% | 5,767 |
| Credit loss provision to net charge-offs | 127.4510% | 2,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8899% | 463 |
| Assets per employee ($millions) | 2.6073% | 5,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7430% | 5,260 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 67.0916% | 2,914 |
| Net loans and leases to deposits | 74.9893% | 3,416 |
| Net loans and leases to core deposits | 76.5488% | 3,703 |
| Total domestic deposits to total assets | 89.4683% | 875 |
| Equity capital to assets | 8.7300% | 5,078 |
| Core capital (leverage) ratio | 8.3255% | 5,418 |
| Tier 1 risk-based capital ratio | 23.7669% | 890 |
| Total risk-based capital ratio | 25.0282% | 875 |
| Memoranda: | ||
| Average total assets | $108,649,200 | 4,197 |
| Average earning assets | $106,406,800 | 4,069 |
| Average equity | $9,271,600 | 4,694 |
| Average total loans | $65,999,400 | 4,141 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2240% | 5,328 |
| Cost of funding earning assets | 0.4780% | 2,288 |
| Net interest margin | 2.7461% | 5,437 |
| Noninterest income to average assets | 1.8554% | 387 |
| Noninterest expense to average assets | 4.0749% | 537 |
| Loan and lease loss provision to assets | -0.2730% | 5,898 |
| Net operating income to assets | 0.7255% | 3,720 |
| Return on assets (ROA) | 0.7255% | 3,854 |
| Pretax return on assets | 0.7451% | 4,487 |
| Return on Equity (ROE) | 8.5510% | 2,735 |
| Retained earnings to average equity (ytd only) | 8.5510% | 959 |
| Net charge-offs to loans | -0.3104% | 5,842 |
| Credit loss provision to net charge-offs | 148.9933% | 1,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6160% | 584 |
| Assets per employee ($millions) | 2.4335% | 5,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7207% | 5,386 |
| Loan loss allowance to noncurrent loans | 2,731.5789% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 5,446 |
| Noncurrent loans to loans | 0.0264% | 5,280 |
| Net loans and leases to total assets | 65.2893% | 3,239 |
| Net loans and leases to deposits | 72.8298% | 3,720 |
| Net loans and leases to core deposits | 73.9713% | 4,005 |
| Total domestic deposits to total assets | 89.6464% | 606 |
| Equity capital to assets | 8.7117% | 5,388 |
| Core capital (leverage) ratio | 8.8396% | 5,014 |
| Tier 1 risk-based capital ratio | 25.2231% | 791 |
| Total risk-based capital ratio | 26.4758% | 772 |
| Memoranda: | ||
| Average total assets | $108,434,750 | 4,224 |
| Average earning assets | $106,282,250 | 4,098 |
| Average equity | $9,199,500 | 4,765 |
| Average total loans | $63,994,250 | 4,203 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1709% | 5,473 |
| Cost of funding earning assets | 0.4759% | 2,305 |
| Net interest margin | 2.6950% | 5,574 |
| Noninterest income to average assets | 1.5544% | 504 |
| Noninterest expense to average assets | 4.0064% | 586 |
| Loan and lease loss provision to assets | -0.4774% | 6,015 |
| Net operating income to assets | 0.6366% | 4,113 |
| Return on assets (ROA) | 0.6366% | 4,257 |
| Pretax return on assets | 0.6662% | 4,726 |
| Return on Equity (ROE) | 7.5721% | 3,221 |
| Retained earnings to average equity (ytd only) | 7.5721% | 1,352 |
| Net charge-offs to loans | -0.4729% | 5,935 |
| Credit loss provision to net charge-offs | 177.9310% | 1,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5007% | 362 |
| Assets per employee ($millions) | 2.4284% | 5,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7182% | 5,484 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 61.9716% | 3,632 |
| Net loans and leases to deposits | 69.1154% | 4,072 |
| Net loans and leases to core deposits | 70.0335% | 4,321 |
| Total domestic deposits to total assets | 89.6639% | 606 |
| Equity capital to assets | 8.6992% | 5,486 |
| Core capital (leverage) ratio | 8.4728% | 5,386 |
| Tier 1 risk-based capital ratio | 26.6371% | 675 |
| Total risk-based capital ratio | 27.8894% | 661 |
| Memoranda: | ||
| Average total assets | $108,077,000 | 4,263 |
| Average earning assets | $105,899,000 | 4,133 |
| Average equity | $9,086,000 | 4,827 |
| Average total loans | $61,320,330 | 4,302 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1322% | 5,573 |
| Cost of funding earning assets | 0.4619% | 2,450 |
| Net interest margin | 2.6703% | 5,649 |
| Noninterest income to average assets | 1.6266% | 448 |
| Noninterest expense to average assets | 3.9635% | 631 |
| Loan and lease loss provision to assets | -0.2282% | 6,030 |
| Net operating income to assets | 0.4490% | 4,837 |
| Return on assets (ROA) | 0.4490% | 4,919 |
| Pretax return on assets | 0.5079% | 5,064 |
| Return on Equity (ROE) | 5.4334% | 4,261 |
| Retained earnings to average equity (ytd only) | 5.4334% | 2,691 |
| Net charge-offs to loans | -0.4230% | 5,977 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4085% | 482 |
| Assets per employee ($millions) | 2.3490% | 5,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 4,755 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 54.6556% | 4,386 |
| Net loans and leases to deposits | 61.6906% | 4,600 |
| Net loans and leases to core deposits | 62.2551% | 4,804 |
| Total domestic deposits to total assets | 88.5964% | 1,306 |
| Equity capital to assets | 8.2171% | 5,734 |
| Core capital (leverage) ratio | 8.2342% | 5,625 |
| Tier 1 risk-based capital ratio | 27.8032% | 623 |
| Total risk-based capital ratio | 29.0645% | 608 |
| Memoranda: | ||
| Average total assets | $108,691,000 | 4,288 |
| Average earning assets | $106,505,500 | 4,153 |
| Average equity | $8,981,500 | 4,865 |
| Average total loans | $58,633,000 | 4,424 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8016% | 5,878 |
| Cost of funding earning assets | 0.4419% | 2,722 |
| Net interest margin | 2.3597% | 5,915 |
| Noninterest income to average assets | 2.0908% | 339 |
| Noninterest expense to average assets | 4.2127% | 532 |
| Loan and lease loss provision to assets | -0.0146% | 5,646 |
| Net operating income to assets | 0.2040% | 5,563 |
| Return on assets (ROA) | 0.2040% | 5,629 |
| Pretax return on assets | 0.2040% | 5,682 |
| Return on Equity (ROE) | 2.5517% | 5,443 |
| Retained earnings to average equity (ytd only) | 2.5517% | 4,252 |
| Net charge-offs to loans | -0.3970% | 6,057 |
| Credit loss provision to net charge-offs | 7.9208% | 3,838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6974% | 409 |
| Assets per employee ($millions) | 2.4879% | 5,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 4,309 |
| Loan loss allowance to noncurrent loans | 365.4321% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.1673% | 4,933 |
| Noncurrent loans to loans | 0.2876% | 4,434 |
| Net loans and leases to total assets | 52.1042% | 4,685 |
| Net loans and leases to deposits | 57.1493% | 4,969 |
| Net loans and leases to core deposits | 57.4592% | 5,134 |
| Total domestic deposits to total assets | 91.1720% | 244 |
| Equity capital to assets | 8.3111% | 5,697 |
| Core capital (leverage) ratio | 8.0913% | 5,783 |
| Tier 1 risk-based capital ratio | 29.2114% | 545 |
| Total risk-based capital ratio | 30.4736% | 530 |
| Memoranda: | ||
| Average total assets | $109,289,600 | 4,274 |
| Average earning assets | $107,047,600 | 4,114 |
| Average equity | $8,739,200 | 4,906 |
| Average total loans | $50,882,000 | 4,642 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7491% | 5,993 |
| Cost of funding earning assets | 0.4386% | 2,818 |
| Net interest margin | 2.3105% | 6,028 |
| Noninterest income to average assets | 2.2414% | 307 |
| Noninterest expense to average assets | 4.3542% | 457 |
| Loan and lease loss provision to assets | 0.0061% | 4,141 |
| Net operating income to assets | 0.1444% | 5,786 |
| Return on assets (ROA) | 0.1444% | 5,830 |
| Pretax return on assets | 0.1444% | 5,849 |
| Return on Equity (ROE) | 1.8234% | 5,704 |
| Retained earnings to average equity (ytd only) | 1.8234% | 4,965 |
| Net charge-offs to loans | -0.4981% | 6,149 |
| Credit loss provision to net charge-offs | -2.7027% | 4,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6595% | 397 |
| Assets per employee ($millions) | 2.6465% | 5,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 4,035 |
| Loan loss allowance to noncurrent loans | 132.4444% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.4608% | 3,949 |
| Noncurrent loans to loans | 0.8561% | 2,831 |
| Net loans and leases to total assets | 47.8927% | 5,085 |
| Net loans and leases to deposits | 53.1029% | 5,308 |
| Net loans and leases to core deposits | 53.7533% | 5,417 |
| Total domestic deposits to total assets | 90.1885% | 500 |
| Equity capital to assets | 8.0982% | 5,922 |
| Core capital (leverage) ratio | 7.9471% | 5,932 |
| Tier 1 risk-based capital ratio | 31.3251% | 463 |
| Total risk-based capital ratio | 32.5884% | 457 |
| Memoranda: | ||
| Average total assets | $109,867,500 | 4,306 |
| Average earning assets | $107,619,500 | 4,151 |
| Average equity | $8,701,250 | 4,977 |
| Average total loans | $49,519,500 | 4,734 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7186% | 6,070 |
| Cost of funding earning assets | 0.4330% | 2,912 |
| Net interest margin | 2.2855% | 6,104 |
| Noninterest income to average assets | 2.3803% | 289 |
| Noninterest expense to average assets | 4.5884% | 388 |
| Loan and lease loss provision to assets | 0.0091% | 3,928 |
| Net operating income to assets | 0.0218% | 5,969 |
| Return on assets (ROA) | 0.0218% | 6,007 |
| Pretax return on assets | 0.0218% | 6,001 |
| Return on Equity (ROE) | 0.2767% | 5,993 |
| Retained earnings to average equity (ytd only) | 0.2767% | 5,419 |
| Net charge-offs to loans | -0.7463% | 6,240 |
| Credit loss provision to net charge-offs | -2.7624% | 4,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3328% | 341 |
| Assets per employee ($millions) | 2.7272% | 5,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1588% | 4,034 |
| Loan loss allowance to noncurrent loans | 144.3902% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.4114% | 4,267 |
| Noncurrent loans to loans | 0.8026% | 3,107 |
| Net loans and leases to total assets | 45.1581% | 5,309 |
| Net loans and leases to deposits | 50.6008% | 5,472 |
| Net loans and leases to core deposits | 51.2068% | 5,566 |
| Total domestic deposits to total assets | 89.2439% | 1,029 |
| Equity capital to assets | 7.7628% | 6,058 |
| Core capital (leverage) ratio | 7.8291% | 6,007 |
| Tier 1 risk-based capital ratio | 30.1891% | 535 |
| Total risk-based capital ratio | 31.4512% | 525 |
| Memoranda: | ||
| Average total assets | $110,321,670 | 4,336 |
| Average earning assets | $108,070,670 | 4,185 |
| Average equity | $8,672,670 | 5,019 |
| Average total loans | $48,505,330 | 4,807 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7234% | 6,117 |
| Cost of funding earning assets | 0.4353% | 2,928 |
| Net interest margin | 2.2881% | 6,165 |
| Noninterest income to average assets | 2.5918% | 261 |
| Noninterest expense to average assets | 4.8150% | 339 |
| Loan and lease loss provision to assets | 0.0146% | 3,534 |
| Net operating income to assets | 0.0073% | 6,010 |
| Return on assets (ROA) | 0.0073% | 6,048 |
| Pretax return on assets | 0.0073% | 6,041 |
| Return on Equity (ROE) | 0.0923% | 6,045 |
| Retained earnings to average equity (ytd only) | 0.0923% | 5,342 |
| Net charge-offs to loans | -1.4995% | 6,344 |
| Credit loss provision to net charge-offs | -2.2599% | 4,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5472% | 376 |
| Assets per employee ($millions) | 2.6610% | 5,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 3,621 |
| Loan loss allowance to noncurrent loans | 125.6959% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 0.5105% | 3,984 |
| Noncurrent loans to loans | 1.0039% | 2,750 |
| Net loans and leases to total assets | 42.0994% | 5,477 |
| Net loans and leases to deposits | 46.0119% | 5,656 |
| Net loans and leases to core deposits | 46.4404% | 5,735 |
| Total domestic deposits to total assets | 91.4967% | 230 |
| Equity capital to assets | 7.9469% | 6,052 |
| Core capital (leverage) ratio | 7.8737% | 5,999 |
| Tier 1 risk-based capital ratio | 33.3551% | 412 |
| Total risk-based capital ratio | 34.6175% | 403 |
| Memoranda: | ||
| Average total assets | $109,574,500 | 4,378 |
| Average earning assets | $107,511,500 | 4,227 |
| Average equity | $8,669,000 | 5,065 |
| Average total loans | $47,215,000 | 4,879 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6381% | 6,289 |
| Cost of funding earning assets | 0.4036% | 3,660 |
| Net interest margin | 2.2345% | 6,297 |
| Noninterest income to average assets | 2.2094% | 294 |
| Noninterest expense to average assets | 4.7095% | 391 |
| Loan and lease loss provision to assets | -0.0801% | 6,108 |
| Net operating income to assets | -0.2285% | 6,215 |
| Return on assets (ROA) | -0.2285% | 6,217 |
| Pretax return on assets | -0.2285% | 6,208 |
| Return on Equity (ROE) | -2.8954% | 6,243 |
| Retained earnings to average equity (ytd only) | -2.8954% | 6,084 |
| Net charge-offs to loans | -0.0504% | 5,938 |
| Credit loss provision to net charge-offs | 370.8333% | 707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.0114% | 250 |
| Assets per employee ($millions) | 2.6202% | 6,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8474% | 5,640 |
| Loan loss allowance to noncurrent loans | 118.0233% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 0.4035% | 4,480 |
| Noncurrent loans to loans | 0.7180% | 3,527 |
| Net loans and leases to total assets | 43.1686% | 5,524 |
| Net loans and leases to deposits | 47.1791% | 5,735 |
| Net loans and leases to core deposits | 47.6132% | 5,833 |
| Total domestic deposits to total assets | 91.4993% | 228 |
| Equity capital to assets | 7.8764% | 6,118 |
| Core capital (leverage) ratio | 7.8044% | 6,096 |
| Tier 1 risk-based capital ratio | 32.9937% | 399 |
| Total risk-based capital ratio | 34.2470% | 390 |
| Memoranda: | ||
| Average total assets | $111,159,200 | 4,363 |
| Average earning assets | $109,015,800 | 4,206 |
| Average equity | $8,772,600 | 5,029 |
| Average total loans | $47,602,600 | 4,896 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6153% | 6,373 |
| Cost of funding earning assets | 0.3928% | 3,866 |
| Net interest margin | 2.2225% | 6,378 |
| Noninterest income to average assets | 2.0878% | 320 |
| Noninterest expense to average assets | 4.7141% | 381 |
| Loan and lease loss provision to assets | -0.1137% | 6,301 |
| Net operating income to assets | -0.3326% | 6,325 |
| Return on assets (ROA) | -0.3326% | 6,323 |
| Pretax return on assets | -0.3326% | 6,310 |
| Return on Equity (ROE) | -4.2126% | 6,347 |
| Retained earnings to average equity (ytd only) | -4.2126% | 6,220 |
| Net charge-offs to loans | -0.0365% | 5,803 |
| Credit loss provision to net charge-offs | 730.7692% | 422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.4570% | 215 |
| Assets per employee ($millions) | 2.5782% | 6,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8392% | 5,773 |
| Loan loss allowance to noncurrent loans | 77.4900% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 0.6882% | 3,763 |
| Noncurrent loans to loans | 1.0830% | 2,906 |
| Net loans and leases to total assets | 41.4591% | 5,721 |
| Net loans and leases to deposits | 45.2663% | 5,916 |
| Net loans and leases to core deposits | 45.5421% | 5,968 |
| Total domestic deposits to total assets | 91.5895% | 214 |
| Equity capital to assets | 7.7972% | 6,214 |
| Core capital (leverage) ratio | 7.7297% | 6,204 |
| Tier 1 risk-based capital ratio | 33.6993% | 398 |
| Total risk-based capital ratio | 34.9547% | 391 |
| Memoranda: | ||
| Average total assets | $111,436,500 | 4,390 |
| Average earning assets | $109,304,250 | 4,239 |
| Average equity | $8,798,750 | 5,069 |
| Average total loans | $47,525,000 | 4,951 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5826% | 6,449 |
| Cost of funding earning assets | 0.3833% | 4,064 |
| Net interest margin | 2.1993% | 6,451 |
| Noninterest income to average assets | 2.0353% | 334 |
| Noninterest expense to average assets | 4.6494% | 403 |
| Loan and lease loss provision to assets | -0.1845% | 6,461 |
| Net operating income to assets | -0.2705% | 6,356 |
| Return on assets (ROA) | -0.2705% | 6,366 |
| Pretax return on assets | -0.2705% | 6,347 |
| Return on Equity (ROE) | -3.4123% | 6,394 |
| Retained earnings to average equity (ytd only) | -3.4123% | 6,128 |
| Net charge-offs to loans | -0.0083% | 5,285 |
| Credit loss provision to net charge-offs | 5,150.0000% | 70 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.8501% | 218 |
| Assets per employee ($millions) | 2.5232% | 6,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7416% | 6,107 |
| Loan loss allowance to noncurrent loans | 30.0325% | 5,783 |
| Noncurrent assets plus other real estate owned to assets | 1.3268% | 2,462 |
| Noncurrent loans to loans | 2.4692% | 1,263 |
| Net loans and leases to total assets | 44.6082% | 5,490 |
| Net loans and leases to deposits | 48.7355% | 5,726 |
| Net loans and leases to core deposits | 48.9044% | 5,854 |
| Total domestic deposits to total assets | 91.5313% | 256 |
| Equity capital to assets | 7.9013% | 6,207 |
| Core capital (leverage) ratio | 7.8399% | 6,186 |
| Tier 1 risk-based capital ratio | 32.0829% | 443 |
| Total risk-based capital ratio | 33.3333% | 433 |
| Memoranda: | ||
| Average total assets | $111,628,330 | 4,414 |
| Average earning assets | $109,581,330 | 4,253 |
| Average equity | $8,850,330 | 5,071 |
| Average total loans | $47,916,330 | 4,966 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5811% | 6,525 |
| Cost of funding earning assets | 0.3823% | 4,171 |
| Net interest margin | 2.1989% | 6,525 |
| Noninterest income to average assets | 1.8261% | 391 |
| Noninterest expense to average assets | 4.6314% | 402 |
| Loan and lease loss provision to assets | -0.4110% | 6,645 |
| Net operating income to assets | -0.2359% | 6,374 |
| Return on assets (ROA) | -0.2359% | 6,377 |
| Pretax return on assets | -0.2359% | 6,364 |
| Return on Equity (ROE) | -2.9698% | 6,405 |
| Retained earnings to average equity (ytd only) | -2.9698% | 5,961 |
| Net charge-offs to loans | -0.1705% | 6,340 |
| Credit loss provision to net charge-offs | 575.0000% | 490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.2332% | 206 |
| Assets per employee ($millions) | 2.5237% | 6,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8000% | 6,102 |
| Loan loss allowance to noncurrent loans | 25.8242% | 5,956 |
| Noncurrent assets plus other real estate owned to assets | 1.5084% | 2,344 |
| Noncurrent loans to loans | 3.0977% | 1,013 |
| Net loans and leases to total assets | 41.9891% | 5,671 |
| Net loans and leases to deposits | 45.8931% | 5,858 |
| Net loans and leases to core deposits | 46.0104% | 5,988 |
| Total domestic deposits to total assets | 91.4934% | 379 |
| Equity capital to assets | 7.9753% | 6,075 |
| Core capital (leverage) ratio | 7.9189% | 6,166 |
| Tier 1 risk-based capital ratio | 34.0845% | 378 |
| Total risk-based capital ratio | 35.3372% | 370 |
| Memoranda: | ||
| Average total assets | $111,932,500 | 4,446 |
| Average earning assets | $109,875,000 | 4,276 |
| Average equity | $8,889,500 | 5,080 |
| Average total loans | $46,927,500 | 5,048 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6280% | 6,578 |
| Cost of funding earning assets | 0.3570% | 5,071 |
| Net interest margin | 2.2710% | 6,542 |
| Noninterest income to average assets | 3.0285% | 227 |
| Noninterest expense to average assets | 4.7903% | 411 |
| Loan and lease loss provision to assets | 0.2819% | 1,226 |
| Net operating income to assets | 0.1923% | 5,842 |
| Return on assets (ROA) | 0.1923% | 5,908 |
| Pretax return on assets | 0.1923% | 5,956 |
| Return on Equity (ROE) | 2.5193% | 5,669 |
| Retained earnings to average equity (ytd only) | 2.5193% | 4,459 |
| Net charge-offs to loans | 0.7819% | 805 |
| Credit loss provision to net charge-offs | 84.1558% | 2,923 |
| Earnings coverage of net charge-offs (x) | 1.4156% | 4,584 |
| Efficiency ratio | 90.9932% | 952 |
| Assets per employee ($millions) | 2.5641% | 6,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0053% | 5,534 |
| Loan loss allowance to noncurrent loans | 42.1665% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 1.1363% | 3,126 |
| Noncurrent loans to loans | 2.3841% | 1,606 |
| Net loans and leases to total assets | 41.1108% | 5,883 |
| Net loans and leases to deposits | 45.3805% | 6,053 |
| Net loans and leases to core deposits | 45.4949% | 6,159 |
| Total domestic deposits to total assets | 90.5914% | 756 |
| Equity capital to assets | 7.9089% | 6,080 |
| Core capital (leverage) ratio | 7.8534% | 6,217 |
| Tier 1 risk-based capital ratio | 32.9771% | 401 |
| Total risk-based capital ratio | 34.2321% | 393 |
| Memoranda: | ||
| Average total assets | $114,941,800 | 4,387 |
| Average earning assets | $113,167,200 | 4,198 |
| Average equity | $8,772,200 | 5,148 |
| Average total loans | $49,237,400 | 4,995 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6505% | 6,644 |
| Cost of funding earning assets | 0.3505% | 5,289 |
| Net interest margin | 2.3000% | 6,588 |
| Noninterest income to average assets | 2.9663% | 241 |
| Noninterest expense to average assets | 4.8138% | 389 |
| Loan and lease loss provision to assets | 0.3510% | 914 |
| Net operating income to assets | 0.0670% | 6,194 |
| Return on assets (ROA) | 0.0670% | 6,250 |
| Pretax return on assets | 0.0670% | 6,242 |
| Return on Equity (ROE) | 0.8853% | 6,199 |
| Retained earnings to average equity (ytd only) | 0.8853% | 5,621 |
| Net charge-offs to loans | 0.9953% | 572 |
| Credit loss provision to net charge-offs | 81.7204% | 2,803 |
| Earnings coverage of net charge-offs (x) | 0.9731% | 4,522 |
| Efficiency ratio | 92.0106% | 855 |
| Assets per employee ($millions) | 2.5126% | 6,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9653% | 5,864 |
| Loan loss allowance to noncurrent loans | 52.2523% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 0.9649% | 3,735 |
| Noncurrent loans to loans | 1.8474% | 2,436 |
| Net loans and leases to total assets | 42.1008% | 5,893 |
| Net loans and leases to deposits | 46.4379% | 6,069 |
| Net loans and leases to core deposits | 46.5541% | 6,191 |
| Total domestic deposits to total assets | 90.6606% | 678 |
| Equity capital to assets | 7.7475% | 6,288 |
| Core capital (leverage) ratio | 7.7475% | 6,357 |
| Tier 1 risk-based capital ratio | 32.8299% | 407 |
| Total risk-based capital ratio | 34.0854% | 402 |
| Memoranda: | ||
| Average total assets | $115,471,750 | 4,421 |
| Average earning assets | $113,736,500 | 4,230 |
| Average equity | $8,734,500 | 5,206 |
| Average total loans | $49,833,500 | 5,014 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6816% | 6,667 |
| Cost of funding earning assets | 0.3420% | 5,475 |
| Net interest margin | 2.3396% | 6,594 |
| Noninterest income to average assets | 2.8966% | 267 |
| Noninterest expense to average assets | 4.9178% | 378 |
| Loan and lease loss provision to assets | 0.1995% | 1,904 |
| Net operating income to assets | 0.0860% | 6,159 |
| Return on assets (ROA) | 0.0860% | 6,243 |
| Pretax return on assets | 0.0860% | 6,246 |
| Return on Equity (ROE) | 1.1460% | 6,178 |
| Retained earnings to average equity (ytd only) | 1.1460% | 5,445 |
| Net charge-offs to loans | 1.0591% | 570 |
| Credit loss provision to net charge-offs | 43.4457% | 3,352 |
| Earnings coverage of net charge-offs (x) | 0.6217% | 4,317 |
| Efficiency ratio | 94.5124% | 740 |
| Assets per employee ($millions) | 2.4735% | 6,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7771% | 6,398 |
| Loan loss allowance to noncurrent loans | 30.3344% | 6,001 |
| Noncurrent assets plus other real estate owned to assets | 1.1610% | 3,428 |
| Noncurrent loans to loans | 2.5619% | 1,799 |
| Net loans and leases to total assets | 42.7537% | 5,846 |
| Net loans and leases to deposits | 47.1266% | 6,041 |
| Net loans and leases to core deposits | 47.2429% | 6,164 |
| Total domestic deposits to total assets | 90.7209% | 655 |
| Equity capital to assets | 7.6919% | 6,369 |
| Core capital (leverage) ratio | 7.6919% | 6,372 |
| Tier 1 risk-based capital ratio | 32.3024% | 428 |
| Total risk-based capital ratio | 33.5536% | 424 |
| Memoranda: | ||
| Average total assets | $116,272,670 | 4,438 |
| Average earning assets | $114,633,000 | 4,243 |
| Average equity | $8,726,000 | 5,236 |
| Average total loans | $50,422,330 | 5,007 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7762% | 6,691 |
| Cost of funding earning assets | 0.3526% | 5,509 |
| Net interest margin | 2.4236% | 6,577 |
| Noninterest income to average assets | 2.7298% | 281 |
| Noninterest expense to average assets | 4.7074% | 452 |
| Loan and lease loss provision to assets | 0.3302% | 1,018 |
| Net operating income to assets | 0.0783% | 6,193 |
| Return on assets (ROA) | 0.0783% | 6,281 |
| Pretax return on assets | 0.0783% | 6,295 |
| Return on Equity (ROE) | 1.0559% | 6,210 |
| Retained earnings to average equity (ytd only) | 1.0559% | 5,430 |
| Net charge-offs to loans | 1.3850% | 398 |
| Credit loss provision to net charge-offs | 54.8023% | 2,533 |
| Earnings coverage of net charge-offs (x) | 0.6780% | 3,603 |
| Efficiency ratio | 92.0160% | 981 |
| Assets per employee ($millions) | 2.5446% | 6,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9142% | 6,226 |
| Loan loss allowance to noncurrent loans | 60.3471% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 0.7210% | 4,565 |
| Noncurrent loans to loans | 1.5149% | 3,279 |
| Net loans and leases to total assets | 41.8537% | 5,854 |
| Net loans and leases to deposits | 46.4180% | 6,031 |
| Net loans and leases to core deposits | 46.5296% | 6,182 |
| Total domestic deposits to total assets | 90.1668% | 950 |
| Equity capital to assets | 7.4539% | 6,606 |
| Core capital (leverage) ratio | 7.4539% | 6,488 |
| Tier 1 risk-based capital ratio | 31.8466% | 457 |
| Total risk-based capital ratio | 33.1022% | 454 |
| Memoranda: | ||
| Average total assets | $117,518,000 | 4,452 |
| Average earning assets | $115,697,000 | 4,251 |
| Average equity | $8,713,000 | 5,298 |
| Average total loans | $51,120,000 | 5,017 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0493% | 6,749 |
| Cost of funding earning assets | 0.3790% | 6,058 |
| Net interest margin | 2.6702% | 6,561 |
| Noninterest income to average assets | 2.8790% | 271 |
| Noninterest expense to average assets | 4.9407% | 389 |
| Loan and lease loss provision to assets | 0.1390% | 3,870 |
| Net operating income to assets | 0.4203% | 5,006 |
| Return on assets (ROA) | 0.4861% | 4,992 |
| Pretax return on assets | 0.4861% | 5,322 |
| Return on Equity (ROE) | 6.8330% | 3,742 |
| Retained earnings to average equity (ytd only) | 2.9134% | 4,178 |
| Net charge-offs to loans | 0.3699% | 2,777 |
| Credit loss provision to net charge-offs | 78.4038% | 3,877 |
| Earnings coverage of net charge-offs (x) | 3.1549% | 3,858 |
| Efficiency ratio | 89.8305% | 1,082 |
| Assets per employee ($millions) | 2.5648% | 6,565 |
| Cash dividends to net income (ytd only)* | 57.3630% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 5,934 |
| Loan loss allowance to noncurrent loans | 77.4381% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 0.6450% | 4,856 |
| Noncurrent loans to loans | 1.3012% | 3,663 |
| Net loans and leases to total assets | 44.2988% | 5,792 |
| Net loans and leases to deposits | 49.1166% | 6,021 |
| Net loans and leases to core deposits | 49.2328% | 6,194 |
| Total domestic deposits to total assets | 90.1910% | 850 |
| Equity capital to assets | 7.3748% | 6,679 |
| Core capital (leverage) ratio | 7.3748% | 6,552 |
| Tier 1 risk-based capital ratio | 29.5791% | 531 |
| Total risk-based capital ratio | 30.8370% | 524 |
| Memoranda: | ||
| Average total assets | $120,145,600 | 4,360 |
| Average earning assets | $117,929,400 | 4,161 |
| Average equity | $8,546,800 | 5,351 |
| Average total loans | $57,585,000 | 4,814 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0754% | 6,863 |
| Cost of funding earning assets | 0.3840% | 6,203 |
| Net interest margin | 2.6914% | 6,655 |
| Noninterest income to average assets | 2.6393% | 295 |
| Noninterest expense to average assets | 4.9063% | 386 |
| Loan and lease loss provision to assets | 0.1823% | 3,315 |
| Net operating income to assets | 0.1911% | 5,944 |
| Return on assets (ROA) | 0.1911% | 6,104 |
| Pretax return on assets | 0.1911% | 6,140 |
| Return on Equity (ROE) | 2.7110% | 5,792 |
| Retained earnings to average equity (ytd only) | 2.7110% | 4,926 |
| Net charge-offs to loans | 0.3811% | 2,572 |
| Credit loss provision to net charge-offs | 98.2143% | 3,047 |
| Earnings coverage of net charge-offs (x) | 2.0120% | 4,264 |
| Efficiency ratio | 92.9274% | 835 |
| Assets per employee ($millions) | 2.6297% | 6,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 6,106 |
| Loan loss allowance to noncurrent loans | 125.0545% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.4969% | 5,432 |
| Noncurrent loans to loans | 0.7958% | 4,813 |
| Net loans and leases to total assets | 48.2529% | 5,519 |
| Net loans and leases to deposits | 53.4518% | 5,850 |
| Net loans and leases to core deposits | 53.4518% | 6,087 |
| Total domestic deposits to total assets | 90.2735% | 691 |
| Equity capital to assets | 7.2885% | 6,821 |
| Core capital (leverage) ratio | 7.2885% | 6,718 |
| Tier 1 risk-based capital ratio | 27.2822% | 717 |
| Total risk-based capital ratio | 28.5380% | 699 |
| Memoranda: | ||
| Average total assets | $120,686,250 | 4,385 |
| Average earning assets | $118,399,250 | 4,186 |
| Average equity | $8,508,250 | 5,412 |
| Average total loans | $58,782,000 | 4,808 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0789% | 6,940 |
| Cost of funding earning assets | 0.3914% | 6,317 |
| Net interest margin | 2.6876% | 6,724 |
| Noninterest income to average assets | 2.1438% | 364 |
| Noninterest expense to average assets | 4.4917% | 556 |
| Loan and lease loss provision to assets | 0.2157% | 2,914 |
| Net operating income to assets | 0.0708% | 6,222 |
| Return on assets (ROA) | 0.0708% | 6,361 |
| Pretax return on assets | 0.0708% | 6,361 |
| Return on Equity (ROE) | 1.0154% | 6,297 |
| Retained earnings to average equity (ytd only) | 1.0154% | 5,671 |
| Net charge-offs to loans | 0.4260% | 2,333 |
| Credit loss provision to net charge-offs | 103.9683% | 2,622 |
| Earnings coverage of net charge-offs (x) | 1.3810% | 4,318 |
| Efficiency ratio | 94.0041% | 802 |
| Assets per employee ($millions) | 2.6562% | 6,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 6,149 |
| Loan loss allowance to noncurrent loans | 85.7353% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 0.9445% | 4,481 |
| Noncurrent loans to loans | 1.1693% | 4,200 |
| Net loans and leases to total assets | 48.1649% | 5,596 |
| Net loans and leases to deposits | 53.1578% | 5,943 |
| Net loans and leases to core deposits | 53.1578% | 6,151 |
| Total domestic deposits to total assets | 90.6075% | 611 |
| Equity capital to assets | 7.1069% | 6,888 |
| Core capital (leverage) ratio | 7.1069% | 6,784 |
| Tier 1 risk-based capital ratio | 26.4428% | 772 |
| Total risk-based capital ratio | 27.7003% | 760 |
| Memoranda: | ||
| Average total assets | $121,469,330 | 4,393 |
| Average earning assets | $119,067,330 | 4,200 |
| Average equity | $8,469,330 | 5,430 |
| Average total loans | $59,151,000 | 4,823 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1170% | 6,995 |
| Cost of funding earning assets | 0.4100% | 6,355 |
| Net interest margin | 2.7070% | 6,759 |
| Noninterest income to average assets | 1.9830% | 418 |
| Noninterest expense to average assets | 4.4594% | 568 |
| Loan and lease loss provision to assets | 0.1470% | 3,521 |
| Net operating income to assets | 0.0294% | 6,367 |
| Return on assets (ROA) | 0.0294% | 6,482 |
| Pretax return on assets | 0.0294% | 6,486 |
| Return on Equity (ROE) | 0.4257% | 6,457 |
| Retained earnings to average equity (ytd only) | 0.4257% | 5,859 |
| Net charge-offs to loans | 0.2951% | 2,481 |
| Credit loss provision to net charge-offs | 102.2727% | 2,249 |
| Earnings coverage of net charge-offs (x) | 1.2273% | 3,723 |
| Efficiency ratio | 96.1945% | 712 |
| Assets per employee ($millions) | 2.7762% | 6,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9671% | 6,367 |
| Loan loss allowance to noncurrent loans | 54.7259% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 1.1338% | 4,237 |
| Noncurrent loans to loans | 1.7672% | 3,459 |
| Net loans and leases to total assets | 48.5363% | 5,483 |
| Net loans and leases to deposits | 53.4068% | 5,868 |
| Net loans and leases to core deposits | 53.4068% | 6,104 |
| Total domestic deposits to total assets | 90.8804% | 607 |
| Equity capital to assets | 6.9265% | 6,946 |
| Core capital (leverage) ratio | 6.9265% | 6,868 |
| Tier 1 risk-based capital ratio | 25.2401% | 881 |
| Total risk-based capital ratio | 26.4960% | 863 |
| Memoranda: | ||
| Average total assets | $122,438,500 | 4,396 |
| Average earning assets | $119,986,000 | 4,198 |
| Average equity | $8,456,500 | 5,447 |
| Average total loans | $59,649,000 | 4,832 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3074% | 7,091 |
| Cost of funding earning assets | 0.6309% | 5,921 |
| Net interest margin | 2.6765% | 6,944 |
| Noninterest income to average assets | 1.6390% | 512 |
| Noninterest expense to average assets | 3.9238% | 1,150 |
| Loan and lease loss provision to assets | 0.2740% | 3,480 |
| Net operating income to assets | 0.0741% | 5,916 |
| Return on assets (ROA) | 0.0741% | 6,029 |
| Pretax return on assets | 0.0629% | 6,031 |
| Return on Equity (ROE) | 1.1046% | 5,941 |
| Retained earnings to average equity (ytd only) | 0.3920% | 5,653 |
| Net charge-offs to loans | 0.1009% | 5,344 |
| Credit loss provision to net charge-offs | 563.9344% | 405 |
| Earnings coverage of net charge-offs (x) | 6.9344% | 2,422 |
| Efficiency ratio | 92.0935% | 1,039 |
| Assets per employee ($millions) | 3.0681% | 5,955 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9726% | 6,326 |
| Loan loss allowance to noncurrent loans | 28.6991% | 6,268 |
| Noncurrent assets plus other real estate owned to assets | 2.0078% | 2,954 |
| Noncurrent loans to loans | 3.3889% | 1,907 |
| Net loans and leases to total assets | 47.9552% | 5,824 |
| Net loans and leases to deposits | 52.6965% | 6,154 |
| Net loans and leases to core deposits | 52.6965% | 6,391 |
| Total domestic deposits to total assets | 91.0025% | 509 |
| Equity capital to assets | 6.8871% | 6,988 |
| Core capital (leverage) ratio | 6.8871% | 6,901 |
| Tier 1 risk-based capital ratio | 25.0697% | 862 |
| Total risk-based capital ratio | 26.3244% | 851 |
| Memoranda: | ||
| Average total assets | $125,566,200 | 4,258 |
| Average earning assets | $122,995,800 | 4,071 |
| Average equity | $8,419,200 | 5,431 |
| Average total loans | $60,428,000 | 4,850 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3255% | 7,171 |
| Cost of funding earning assets | 0.6694% | 5,937 |
| Net interest margin | 2.6561% | 7,027 |
| Noninterest income to average assets | 1.5532% | 545 |
| Noninterest expense to average assets | 3.9035% | 1,148 |
| Loan and lease loss provision to assets | 0.1943% | 4,078 |
| Net operating income to assets | 0.0570% | 6,058 |
| Return on assets (ROA) | 0.0570% | 6,165 |
| Pretax return on assets | 0.0570% | 6,151 |
| Return on Equity (ROE) | 0.8560% | 6,095 |
| Retained earnings to average equity (ytd only) | -0.0951% | 5,983 |
| Net charge-offs to loans | -0.1912% | 7,257 |
| Credit loss provision to net charge-offs | -211.4943% | 6,581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9517% | 921 |
| Assets per employee ($millions) | 3.1066% | 5,885 |
| Cash dividends to net income (ytd only)* | 111.1111% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 5,096 |
| Loan loss allowance to noncurrent loans | 41.3091% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 1.9587% | 3,198 |
| Noncurrent loans to loans | 3.1004% | 2,237 |
| Net loans and leases to total assets | 46.5839% | 6,098 |
| Net loans and leases to deposits | 51.5036% | 6,403 |
| Net loans and leases to core deposits | 51.5036% | 6,594 |
| Total domestic deposits to total assets | 90.4478% | 660 |
| Equity capital to assets | 6.7703% | 7,095 |
| Core capital (leverage) ratio | 6.7703% | 7,016 |
| Tier 1 risk-based capital ratio | 25.4708% | 874 |
| Total risk-based capital ratio | 26.7333% | 861 |
| Memoranda: | ||
| Average total assets | $126,277,000 | 4,264 |
| Average earning assets | $123,687,500 | 4,088 |
| Average equity | $8,411,000 | 5,465 |
| Average total loans | $60,677,500 | 4,878 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3382% | 7,240 |
| Cost of funding earning assets | 0.7123% | 5,886 |
| Net interest margin | 2.6259% | 7,100 |
| Noninterest income to average assets | 1.5676% | 524 |
| Noninterest expense to average assets | 3.8914% | 1,209 |
| Loan and lease loss provision to assets | 0.2190% | 3,727 |
| Net operating income to assets | 0.0299% | 6,170 |
| Return on assets (ROA) | 0.0299% | 6,248 |
| Pretax return on assets | 0.0299% | 6,223 |
| Return on Equity (ROE) | 0.4518% | 6,200 |
| Retained earnings to average equity (ytd only) | -0.9750% | 6,047 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9878% | 977 |
| Assets per employee ($millions) | 3.0098% | 6,070 |
| Cash dividends to net income (ytd only)* | 315.7895% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 6,062 |
| Loan loss allowance to noncurrent loans | 27.9946% | 6,381 |
| Noncurrent assets plus other real estate owned to assets | 2.2427% | 2,926 |
| Noncurrent loans to loans | 3.8241% | 1,819 |
| Net loans and leases to total assets | 45.1048% | 6,340 |
| Net loans and leases to deposits | 49.7500% | 6,619 |
| Net loans and leases to core deposits | 49.7500% | 6,767 |
| Total domestic deposits to total assets | 90.6629% | 654 |
| Equity capital to assets | 6.6276% | 7,165 |
| Core capital (leverage) ratio | 6.6276% | 7,095 |
| Tier 1 risk-based capital ratio | 25.4125% | 861 |
| Total risk-based capital ratio | 26.6713% | 844 |
| Memoranda: | ||
| Average total assets | $126,948,000 | 4,285 |
| Average earning assets | $124,377,670 | 4,111 |
| Average equity | $8,410,330 | 5,487 |
| Average total loans | $61,357,330 | 4,898 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3730% | 7,282 |
| Cost of funding earning assets | 0.7631% | 5,786 |
| Net interest margin | 2.6099% | 7,113 |
| Noninterest income to average assets | 1.7639% | 440 |
| Noninterest expense to average assets | 3.9334% | 1,130 |
| Loan and lease loss provision to assets | 0.3427% | 2,511 |
| Net operating income to assets | 0.0472% | 6,240 |
| Return on assets (ROA) | 0.0472% | 6,280 |
| Pretax return on assets | 0.0472% | 6,273 |
| Return on Equity (ROE) | 0.7120% | 6,211 |
| Retained earnings to average equity (ytd only) | 0.7120% | 5,538 |
| Net charge-offs to loans | -0.2847% | 7,331 |
| Credit loss provision to net charge-offs | -242.2222% | 5,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9818% | 1,244 |
| Assets per employee ($millions) | 3.0422% | 6,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0853% | 6,101 |
| Loan loss allowance to noncurrent loans | 25.9655% | 6,511 |
| Noncurrent assets plus other real estate owned to assets | 2.0106% | 3,306 |
| Noncurrent loans to loans | 4.1799% | 1,718 |
| Net loans and leases to total assets | 45.0792% | 6,375 |
| Net loans and leases to deposits | 49.6727% | 6,648 |
| Net loans and leases to core deposits | 49.8011% | 6,782 |
| Total domestic deposits to total assets | 90.7523% | 740 |
| Equity capital to assets | 6.6008% | 7,185 |
| Core capital (leverage) ratio | 6.6008% | 7,145 |
| Tier 1 risk-based capital ratio | 26.2162% | 767 |
| Total risk-based capital ratio | 27.4751% | 751 |
| Memoranda: | ||
| Average total assets | $127,217,000 | 4,318 |
| Average earning assets | $124,754,500 | 4,126 |
| Average equity | $8,426,500 | 5,478 |
| Average total loans | $63,219,000 | 4,861 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9011% | 7,199 |
| Cost of funding earning assets | 0.8954% | 6,189 |
| Net interest margin | 3.0057% | 6,725 |
| Noninterest income to average assets | 2.0522% | 375 |
| Noninterest expense to average assets | 4.1122% | 1,011 |
| Loan and lease loss provision to assets | 0.7231% | 2,271 |
| Net operating income to assets | 0.1542% | 5,426 |
| Return on assets (ROA) | 0.1542% | 5,586 |
| Pretax return on assets | 0.1542% | 5,587 |
| Return on Equity (ROE) | 2.4139% | 5,214 |
| Retained earnings to average equity (ytd only) | 2.4139% | 4,181 |
| Net charge-offs to loans | 1.6745% | 1,296 |
| Credit loss provision to net charge-offs | 82.7891% | 5,456 |
| Earnings coverage of net charge-offs (x) | 1.0044% | 5,108 |
| Efficiency ratio | 82.4166% | 2,109 |
| Assets per employee ($millions) | 3.0157% | 6,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6861% | 7,150 |
| Loan loss allowance to noncurrent loans | 14.4311% | 7,003 |
| Noncurrent assets plus other real estate owned to assets | 2.8596% | 2,448 |
| Noncurrent loans to loans | 4.7546% | 1,455 |
| Net loans and leases to total assets | 53.4806% | 5,704 |
| Net loans and leases to deposits | 58.9619% | 6,157 |
| Net loans and leases to core deposits | 58.9619% | 6,475 |
| Total domestic deposits to total assets | 90.7035% | 747 |
| Equity capital to assets | 6.6469% | 7,223 |
| Core capital (leverage) ratio | 6.6469% | 7,159 |
| Tier 1 risk-based capital ratio | 22.0595% | 1,168 |
| Total risk-based capital ratio | 23.2857% | 1,136 |
| Memoranda: | ||
| Average total assets | $129,711,600 | 4,278 |
| Average earning assets | $126,759,200 | 4,089 |
| Average equity | $8,285,400 | 5,620 |
| Average total loans | $67,661,800 | 4,760 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9754% | 7,300 |
| Cost of funding earning assets | 0.9217% | 6,302 |
| Net interest margin | 3.0537% | 6,723 |
| Noninterest income to average assets | 1.6657% | 505 |
| Noninterest expense to average assets | 3.9384% | 1,139 |
| Loan and lease loss provision to assets | 0.6336% | 2,406 |
| Net operating income to assets | 0.0766% | 5,826 |
| Return on assets (ROA) | 0.0766% | 5,972 |
| Pretax return on assets | 0.0766% | 5,959 |
| Return on Equity (ROE) | 1.2118% | 5,846 |
| Retained earnings to average equity (ytd only) | 1.2118% | 5,328 |
| Net charge-offs to loans | 1.3170% | 1,547 |
| Credit loss provision to net charge-offs | 92.9535% | 4,660 |
| Earnings coverage of net charge-offs (x) | 1.0420% | 5,019 |
| Efficiency ratio | 84.7219% | 1,757 |
| Assets per employee ($millions) | 3.0464% | 6,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8718% | 6,831 |
| Loan loss allowance to noncurrent loans | 24.5353% | 6,675 |
| Noncurrent assets plus other real estate owned to assets | 2.4588% | 2,906 |
| Noncurrent loans to loans | 3.5533% | 2,209 |
| Net loans and leases to total assets | 52.7867% | 6,004 |
| Net loans and leases to deposits | 58.6758% | 6,413 |
| Net loans and leases to core deposits | 58.6758% | 6,695 |
| Total domestic deposits to total assets | 89.9632% | 897 |
| Equity capital to assets | 6.4823% | 7,428 |
| Core capital (leverage) ratio | 6.4823% | 7,342 |
| Tier 1 risk-based capital ratio | 21.7822% | 1,241 |
| Total risk-based capital ratio | 23.0349% | 1,217 |
| Memoranda: | ||
| Average total assets | $130,474,250 | 4,318 |
| Average earning assets | $127,447,000 | 4,120 |
| Average equity | $8,252,000 | 5,713 |
| Average total loans | $67,525,500 | 4,846 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0237% | 7,344 |
| Cost of funding earning assets | 0.9638% | 6,319 |
| Net interest margin | 3.0599% | 6,701 |
| Noninterest income to average assets | 1.3646% | 678 |
| Noninterest expense to average assets | 3.8350% | 1,294 |
| Loan and lease loss provision to assets | 0.4569% | 3,036 |
| Net operating income to assets | 0.0609% | 5,969 |
| Return on assets (ROA) | 0.0609% | 6,065 |
| Pretax return on assets | 0.0609% | 6,054 |
| Return on Equity (ROE) | 0.9711% | 5,966 |
| Retained earnings to average equity (ytd only) | 0.9711% | 5,381 |
| Net charge-offs to loans | 1.2804% | 1,490 |
| Credit loss provision to net charge-offs | 69.6056% | 4,975 |
| Earnings coverage of net charge-offs (x) | 0.7889% | 4,976 |
| Efficiency ratio | 88.1036% | 1,499 |
| Assets per employee ($millions) | 3.0735% | 5,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7433% | 7,166 |
| Loan loss allowance to noncurrent loans | 17.7495% | 7,041 |
| Noncurrent assets plus other real estate owned to assets | 2.4402% | 2,948 |
| Noncurrent loans to loans | 4.1879% | 1,779 |
| Net loans and leases to total assets | 50.5818% | 6,367 |
| Net loans and leases to deposits | 56.1402% | 6,718 |
| Net loans and leases to core deposits | 56.1402% | 6,934 |
| Total domestic deposits to total assets | 90.0990% | 877 |
| Equity capital to assets | 6.3980% | 7,483 |
| Core capital (leverage) ratio | 6.3980% | 7,407 |
| Tier 1 risk-based capital ratio | 16.1653% | 2,604 |
| Total risk-based capital ratio | 17.1224% | 2,695 |
| Memoranda: | ||
| Average total assets | $131,316,000 | 4,315 |
| Average earning assets | $128,240,000 | 4,127 |
| Average equity | $8,238,000 | 5,717 |
| Average total loans | $67,322,670 | 4,887 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1196% | 7,359 |
| Cost of funding earning assets | 1.0214% | 6,274 |
| Net interest margin | 3.0982% | 6,596 |
| Noninterest income to average assets | 1.3622% | 648 |
| Noninterest expense to average assets | 3.7605% | 1,393 |
| Loan and lease loss provision to assets | 0.5739% | 2,200 |
| Net operating income to assets | 0.0513% | 6,152 |
| Return on assets (ROA) | 0.0513% | 6,263 |
| Pretax return on assets | 0.0513% | 6,250 |
| Return on Equity (ROE) | 0.8265% | 6,167 |
| Retained earnings to average equity (ytd only) | 0.8265% | 5,486 |
| Net charge-offs to loans | 1.0163% | 1,615 |
| Credit loss provision to net charge-offs | 109.8266% | 3,138 |
| Earnings coverage of net charge-offs (x) | 1.1965% | 4,048 |
| Efficiency ratio | 85.7438% | 1,816 |
| Assets per employee ($millions) | 3.0729% | 6,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9884% | 6,519 |
| Loan loss allowance to noncurrent loans | 25.0393% | 6,738 |
| Noncurrent assets plus other real estate owned to assets | 2.7405% | 2,654 |
| Noncurrent loans to loans | 3.9474% | 1,996 |
| Net loans and leases to total assets | 49.4421% | 6,534 |
| Net loans and leases to deposits | 54.8172% | 6,864 |
| Net loans and leases to core deposits | 54.8172% | 7,064 |
| Total domestic deposits to total assets | 90.1946% | 891 |
| Equity capital to assets | 6.3814% | 7,555 |
| Core capital (leverage) ratio | 6.3814% | 7,511 |
| Tier 1 risk-based capital ratio | 16.1294% | 2,599 |
| Total risk-based capital ratio | 17.3769% | 2,557 |
| Memoranda: | ||
| Average total assets | $132,430,000 | 4,352 |
| Average earning assets | $129,234,500 | 4,165 |
| Average equity | $8,227,500 | 5,756 |
| Average total loans | $68,092,000 | 4,931 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7092% | 7,125 |
| Cost of funding earning assets | 1.4680% | 5,644 |
| Net interest margin | 3.2412% | 5,957 |
| Noninterest income to average assets | 1.5872% | 572 |
| Noninterest expense to average assets | 3.7107% | 1,889 |
| Loan and lease loss provision to assets | 1.0591% | 2,166 |
| Net operating income to assets | -0.0090% | 5,503 |
| Return on assets (ROA) | 0.1453% | 5,131 |
| Pretax return on assets | 0.1453% | 5,122 |
| Return on Equity (ROE) | 2.3905% | 4,751 |
| Retained earnings to average equity (ytd only) | 2.3905% | 3,452 |
| Net charge-offs to loans | 1.8369% | 1,356 |
| Credit loss provision to net charge-offs | 107.8566% | 5,136 |
| Earnings coverage of net charge-offs (x) | 1.0694% | 5,045 |
| Efficiency ratio | 77.9421% | 3,202 |
| Assets per employee ($millions) | 3.2333% | 5,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8517% | 6,977 |
| Loan loss allowance to noncurrent loans | 15.1914% | 7,250 |
| Noncurrent assets plus other real estate owned to assets | 3.0096% | 2,326 |
| Noncurrent loans to loans | 5.6067% | 1,145 |
| Net loans and leases to total assets | 52.3756% | 6,379 |
| Net loans and leases to deposits | 57.6953% | 6,805 |
| Net loans and leases to core deposits | 61.1986% | 7,220 |
| Total domestic deposits to total assets | 90.7797% | 624 |
| Equity capital to assets | 6.0524% | 7,658 |
| Core capital (leverage) ratio | 6.0524% | 7,625 |
| Tier 1 risk-based capital ratio | 14.9820% | 2,950 |
| Total risk-based capital ratio | 16.0958% | 2,979 |
| Memoranda: | ||
| Average total assets | $133,504,400 | 4,269 |
| Average earning assets | $130,722,200 | 4,073 |
| Average equity | $8,115,400 | 5,882 |
| Average total loans | $71,372,000 | 4,819 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9029% | 6,880 |
| Cost of funding earning assets | 1.5455% | 5,655 |
| Net interest margin | 3.3574% | 5,420 |
| Noninterest income to average assets | 1.5526% | 618 |
| Noninterest expense to average assets | 3.6850% | 1,855 |
| Loan and lease loss provision to assets | 1.1886% | 1,636 |
| Net operating income to assets | -0.0331% | 5,767 |
| Return on assets (ROA) | 0.1735% | 5,309 |
| Pretax return on assets | 0.1735% | 5,354 |
| Return on Equity (ROE) | 2.8514% | 4,856 |
| Retained earnings to average equity (ytd only) | 2.8514% | 3,737 |
| Net charge-offs to loans | 1.5207% | 1,339 |
| Credit loss provision to net charge-offs | 145.7565% | 3,337 |
| Earnings coverage of net charge-offs (x) | 1.4170% | 4,720 |
| Efficiency ratio | 76.1293% | 3,490 |
| Assets per employee ($millions) | 3.2272% | 5,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2883% | 4,578 |
| Loan loss allowance to noncurrent loans | 36.5337% | 5,966 |
| Noncurrent assets plus other real estate owned to assets | 1.9086% | 3,483 |
| Noncurrent loans to loans | 3.5263% | 2,123 |
| Net loans and leases to total assets | 49.6909% | 6,801 |
| Net loans and leases to deposits | 55.2940% | 7,136 |
| Net loans and leases to core deposits | 58.2847% | 7,454 |
| Total domestic deposits to total assets | 89.8666% | 822 |
| Equity capital to assets | 6.0483% | 7,852 |
| Core capital (leverage) ratio | 6.0483% | 7,792 |
| Tier 1 risk-based capital ratio | 15.3884% | 2,870 |
| Total risk-based capital ratio | 16.6441% | 2,812 |
| Memoranda: | ||
| Average total assets | $132,931,000 | 4,300 |
| Average earning assets | $130,177,000 | 4,099 |
| Average equity | $8,089,500 | 5,953 |
| Average total loans | $71,281,000 | 4,865 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2467% | 5,888 |
| Cost of funding earning assets | 1.6524% | 5,500 |
| Net interest margin | 3.5943% | 4,386 |
| Noninterest income to average assets | 1.6462% | 544 |
| Noninterest expense to average assets | 3.7543% | 1,737 |
| Loan and lease loss provision to assets | 1.6084% | 1,050 |
| Net operating income to assets | -0.2014% | 6,191 |
| Return on assets (ROA) | 0.1106% | 5,633 |
| Pretax return on assets | 0.1106% | 5,653 |
| Return on Equity (ROE) | 1.8129% | 5,371 |
| Retained earnings to average equity (ytd only) | 1.8129% | 4,336 |
| Net charge-offs to loans | 2.2075% | 824 |
| Credit loss provision to net charge-offs | 133.0827% | 3,506 |
| Earnings coverage of net charge-offs (x) | 1.1642% | 4,650 |
| Efficiency ratio | 72.7406% | 4,262 |
| Assets per employee ($millions) | 3.1565% | 5,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0594% | 5,841 |
| Loan loss allowance to noncurrent loans | 28.4397% | 6,601 |
| Noncurrent assets plus other real estate owned to assets | 2.4590% | 2,621 |
| Noncurrent loans to loans | 3.7252% | 1,867 |
| Net loans and leases to total assets | 54.3123% | 6,408 |
| Net loans and leases to deposits | 60.5951% | 6,845 |
| Net loans and leases to core deposits | 63.7018% | 7,312 |
| Total domestic deposits to total assets | 89.6315% | 990 |
| Equity capital to assets | 6.1083% | 7,908 |
| Core capital (leverage) ratio | 6.1083% | 7,898 |
| Tier 1 risk-based capital ratio | 14.8751% | 3,075 |
| Total risk-based capital ratio | 16.1278% | 3,007 |
| Memoranda: | ||
| Average total assets | $132,060,670 | 4,351 |
| Average earning assets | $129,149,000 | 4,151 |
| Average equity | $8,053,330 | 6,002 |
| Average total loans | $72,297,670 | 4,873 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2842% | 5,953 |
| Cost of funding earning assets | 1.8730% | 4,776 |
| Net interest margin | 3.4112% | 5,093 |
| Noninterest income to average assets | 0.0789% | 7,662 |
| Noninterest expense to average assets | 3.5143% | 2,060 |
| Loan and lease loss provision to assets | 0.6130% | 2,054 |
| Net operating income to assets | -0.7101% | 7,067 |
| Return on assets (ROA) | 0.0395% | 6,309 |
| Pretax return on assets | 0.0395% | 6,300 |
| Return on Equity (ROE) | 0.6475% | 6,240 |
| Retained earnings to average equity (ytd only) | 0.6475% | 5,402 |
| Net charge-offs to loans | 2.1538% | 666 |
| Credit loss provision to net charge-offs | 52.0619% | 4,644 |
| Earnings coverage of net charge-offs (x) | -0.0825% | 5,058 |
| Efficiency ratio | 102.8419% | 1,022 |
| Assets per employee ($millions) | 3.1768% | 5,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4467% | 7,900 |
| Loan loss allowance to noncurrent loans | 10.9072% | 7,498 |
| Noncurrent assets plus other real estate owned to assets | 2.4313% | 2,358 |
| Noncurrent loans to loans | 4.0952% | 1,462 |
| Net loans and leases to total assets | 53.6211% | 6,515 |
| Net loans and leases to deposits | 59.6563% | 6,922 |
| Net loans and leases to core deposits | 62.6853% | 7,365 |
| Total domestic deposits to total assets | 89.8835% | 853 |
| Equity capital to assets | 6.0244% | 7,992 |
| Core capital (leverage) ratio | 6.0244% | 8,000 |
| Tier 1 risk-based capital ratio | 14.5164% | 3,302 |
| Total risk-based capital ratio | 15.0961% | 3,594 |
| Memoranda: | ||
| Average total assets | $131,804,000 | 4,377 |
| Average earning assets | $128,988,000 | 4,175 |
| Average equity | $8,031,000 | 6,054 |
| Average total loans | $72,059,000 | 4,903 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2471% | 7,647 |
| Cost of funding earning assets | 2.4479% | 4,483 |
| Net interest margin | 2.7992% | 7,332 |
| Noninterest income to average assets | 0.2511% | 6,654 |
| Noninterest expense to average assets | 3.4870% | 2,431 |
| Loan and lease loss provision to assets | 0.0972% | 6,141 |
| Net operating income to assets | -0.5895% | 6,999 |
| Return on assets (ROA) | 0.1393% | 5,834 |
| Pretax return on assets | 0.1286% | 5,886 |
| Return on Equity (ROE) | 2.2834% | 5,505 |
| Retained earnings to average equity (ytd only) | 2.2834% | 3,786 |
| Net charge-offs to loans | 0.6805% | 1,810 |
| Credit loss provision to net charge-offs | 26.3485% | 6,551 |
| Earnings coverage of net charge-offs (x) | -1.3631% | 6,649 |
| Efficiency ratio | 116.8548% | 608 |
| Assets per employee ($millions) | 3.0996% | 5,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7017% | 7,418 |
| Loan loss allowance to noncurrent loans | 15.4762% | 7,383 |
| Noncurrent assets plus other real estate owned to assets | 2.7039% | 1,750 |
| Noncurrent loans to loans | 4.5341% | 1,051 |
| Net loans and leases to total assets | 55.1117% | 6,537 |
| Net loans and leases to deposits | 62.0248% | 6,939 |
| Net loans and leases to core deposits | 65.1490% | 7,388 |
| Total domestic deposits to total assets | 88.8542% | 1,098 |
| Equity capital to assets | 6.1636% | 8,031 |
| Core capital (leverage) ratio | 6.1636% | 8,030 |
| Tier 1 risk-based capital ratio | 14.5952% | 3,256 |
| Total risk-based capital ratio | 15.5174% | 3,333 |
| Memoranda: | ||
| Average total assets | $130,626,600 | 4,269 |
| Average earning assets | $127,536,200 | 4,097 |
| Average equity | $7,970,600 | 6,093 |
| Average total loans | $70,828,600 | 4,832 |