Home > Mancos Valley Bank > Performance and Condition Ratios
Mancos Valley Bank, Performance and Condition Ratios
| 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 | 2.8456% | 5,988 |
| Cost of funding earning assets | 0.2182% | 5,277 |
| Net interest margin | 2.6274% | 5,853 |
| Noninterest income to average assets | 0.1658% | 5,707 |
| Noninterest expense to average assets | 2.7886% | 3,278 |
| Loan and lease loss provision to assets | -0.8154% | 6,314 |
| Net operating income to assets | 0.6469% | 4,132 |
| Return on assets (ROA) | 0.6442% | 4,259 |
| Pretax return on assets | 0.6442% | 4,840 |
| Return on Equity (ROE) | 6.1633% | 4,058 |
| Retained earnings to average equity (ytd only) | 6.1633% | 2,139 |
| Net charge-offs to loans | -0.9280% | 6,264 |
| Credit loss provision to net charge-offs | 232.5581% | 1,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4315% | 215 |
| Assets per employee ($millions) | 6.1315% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4561% | 166 |
| Loan loss allowance to noncurrent loans | 145.5108% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 1.4638% | 1,695 |
| Noncurrent loans to loans | 2.3752% | 970 |
| Net loans and leases to total assets | 35.6873% | 5,834 |
| Net loans and leases to deposits | 39.9544% | 5,901 |
| Net loans and leases to core deposits | 40.3305% | 5,945 |
| Total domestic deposits to total assets | 89.3202% | 994 |
| Equity capital to assets | 10.5725% | 3,370 |
| Core capital (leverage) ratio | 10.4595% | 3,012 |
| Tier 1 risk-based capital ratio | 21.1743% | 1,328 |
| Total risk-based capital ratio | 22.4417% | 1,303 |
| Memoranda: | ||
| Average total assets | $73,584,000 | 5,113 |
| Average earning assets | $68,737,000 | 5,069 |
| Average equity | $7,690,670 | 5,221 |
| Average total loans | $27,802,670 | 5,565 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0790% | 5,805 |
| Cost of funding earning assets | 0.2270% | 5,246 |
| Net interest margin | 2.8520% | 5,543 |
| Noninterest income to average assets | 0.1033% | 6,066 |
| Noninterest expense to average assets | 2.1634% | 5,245 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6034% | 4,278 |
| Return on assets (ROA) | 0.6034% | 4,371 |
| Pretax return on assets | 0.6034% | 4,909 |
| Return on Equity (ROE) | 5.8066% | 4,135 |
| Retained earnings to average equity (ytd only) | 5.8066% | 2,602 |
| Net charge-offs to loans | -1.5656% | 6,349 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1925% | 2,158 |
| Assets per employee ($millions) | 5.6470% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4994% | 88 |
| Loan loss allowance to noncurrent loans | 203.5000% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 1.5611% | 1,654 |
| Noncurrent loans to loans | 2.2110% | 1,146 |
| Net loans and leases to total assets | 35.3026% | 5,859 |
| Net loans and leases to deposits | 39.5151% | 5,931 |
| Net loans and leases to core deposits | 40.0717% | 5,971 |
| Total domestic deposits to total assets | 89.3395% | 1,076 |
| Equity capital to assets | 10.5216% | 3,509 |
| Core capital (leverage) ratio | 10.3091% | 3,207 |
| Tier 1 risk-based capital ratio | 20.5800% | 1,515 |
| Total risk-based capital ratio | 21.8489% | 1,470 |
| Memoranda: | ||
| Average total assets | $73,587,000 | 5,161 |
| Average earning assets | $68,723,000 | 5,123 |
| Average equity | $7,646,500 | 5,273 |
| Average total loans | $28,105,000 | 5,592 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0803% | 5,982 |
| Cost of funding earning assets | 0.2742% | 5,056 |
| Net interest margin | 2.8062% | 5,794 |
| Noninterest income to average assets | 0.1367% | 6,007 |
| Noninterest expense to average assets | 2.2129% | 5,324 |
| Loan and lease loss provision to assets | -0.4278% | 6,431 |
| Net operating income to assets | 0.9677% | 2,540 |
| Return on assets (ROA) | 0.9732% | 2,593 |
| Pretax return on assets | 0.9732% | 3,601 |
| Return on Equity (ROE) | 9.2595% | 2,461 |
| Retained earnings to average equity (ytd only) | -8.8303% | 6,281 |
| Net charge-offs to loans | -0.1622% | 6,222 |
| Credit loss provision to net charge-offs | 626.0000% | 423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3873% | 1,869 |
| Assets per employee ($millions) | 5.6741% | 1,625 |
| Cash dividends to net income (ytd only)* | 195.3652% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8214% | 148 |
| Loan loss allowance to noncurrent loans | 105.6084% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.8166% | 1,433 |
| Noncurrent loans to loans | 3.6185% | 551 |
| Net loans and leases to total assets | 37.9079% | 5,856 |
| Net loans and leases to deposits | 42.3327% | 5,958 |
| Net loans and leases to core deposits | 42.7077% | 6,006 |
| Total domestic deposits to total assets | 89.5476% | 950 |
| Equity capital to assets | 10.2612% | 3,773 |
| Core capital (leverage) ratio | 10.1041% | 3,433 |
| Tier 1 risk-based capital ratio | 18.9396% | 1,869 |
| Total risk-based capital ratio | 20.2085% | 1,825 |
| Memoranda: | ||
| Average total assets | $73,163,000 | 5,202 |
| Average earning assets | $68,206,600 | 5,164 |
| Average equity | $7,689,400 | 5,273 |
| Average total loans | $30,833,800 | 5,535 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1144% | 6,009 |
| Cost of funding earning assets | 0.2819% | 5,079 |
| Net interest margin | 2.8325% | 5,822 |
| Noninterest income to average assets | 0.1844% | 5,815 |
| Noninterest expense to average assets | 2.1840% | 5,386 |
| Loan and lease loss provision to assets | -0.3415% | 6,486 |
| Net operating income to assets | 0.9843% | 2,521 |
| Return on assets (ROA) | 0.9916% | 2,551 |
| Pretax return on assets | 0.9916% | 3,626 |
| Return on Equity (ROE) | 9.3786% | 2,509 |
| Retained earnings to average equity (ytd only) | -10.5876% | 6,383 |
| Net charge-offs to loans | -0.1449% | 6,231 |
| Credit loss provision to net charge-offs | 550.0000% | 528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2610% | 2,311 |
| Assets per employee ($millions) | 5.6324% | 1,612 |
| Cash dividends to net income (ytd only)* | 212.8912% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0265% | 157 |
| Loan loss allowance to noncurrent loans | 115.0801% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 1.8806% | 1,560 |
| Noncurrent loans to loans | 3.4989% | 686 |
| Net loans and leases to total assets | 39.7468% | 5,829 |
| Net loans and leases to deposits | 44.4871% | 5,948 |
| Net loans and leases to core deposits | 44.8781% | 6,001 |
| Total domestic deposits to total assets | 89.3446% | 1,049 |
| Equity capital to assets | 10.5257% | 3,525 |
| Core capital (leverage) ratio | 10.3915% | 3,170 |
| Tier 1 risk-based capital ratio | 18.6892% | 1,990 |
| Total risk-based capital ratio | 19.9602% | 1,952 |
| Memoranda: | ||
| Average total assets | $73,013,000 | 5,270 |
| Average earning assets | $68,112,250 | 5,223 |
| Average equity | $7,719,500 | 5,310 |
| Average total loans | $31,274,000 | 5,571 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1719% | 5,984 |
| Cost of funding earning assets | 0.2881% | 5,096 |
| Net interest margin | 2.8838% | 5,763 |
| Noninterest income to average assets | 0.1947% | 5,797 |
| Noninterest expense to average assets | 2.1962% | 5,425 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6882% | 3,909 |
| Return on assets (ROA) | 0.6992% | 3,933 |
| Pretax return on assets | 0.6992% | 4,642 |
| Return on Equity (ROE) | 6.6031% | 3,833 |
| Retained earnings to average equity (ytd only) | -18.5663% | 6,528 |
| Net charge-offs to loans | -0.1393% | 6,240 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1407% | 2,607 |
| Assets per employee ($millions) | 6.6019% | 962 |
| Cash dividends to net income (ytd only)* | 381.1765% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4908% | 116 |
| Loan loss allowance to noncurrent loans | 129.7398% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 1.9168% | 1,685 |
| Noncurrent loans to loans | 3.4614% | 772 |
| Net loans and leases to total assets | 40.8835% | 5,751 |
| Net loans and leases to deposits | 45.7297% | 5,893 |
| Net loans and leases to core deposits | 46.1347% | 5,992 |
| Total domestic deposits to total assets | 89.4025% | 1,153 |
| Equity capital to assets | 10.4419% | 3,511 |
| Core capital (leverage) ratio | 10.2218% | 3,310 |
| Tier 1 risk-based capital ratio | 19.2913% | 1,855 |
| Total risk-based capital ratio | 20.5696% | 1,808 |
| Memoranda: | ||
| Average total assets | $72,943,670 | 5,313 |
| Average earning assets | $68,036,000 | 5,268 |
| Average equity | $7,723,670 | 5,335 |
| Average total loans | $31,590,670 | 5,599 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2108% | 5,987 |
| Cost of funding earning assets | 0.2935% | 5,139 |
| Net interest margin | 2.9173% | 5,716 |
| Noninterest income to average assets | 0.1532% | 6,054 |
| Noninterest expense to average assets | 2.2215% | 5,409 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6511% | 3,948 |
| Return on assets (ROA) | 0.6511% | 4,043 |
| Pretax return on assets | 0.6511% | 4,658 |
| Return on Equity (ROE) | 6.1073% | 3,961 |
| Retained earnings to average equity (ytd only) | -39.4663% | 6,653 |
| Net charge-offs to loans | -0.1131% | 6,170 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3333% | 2,588 |
| Assets per employee ($millions) | 6.0758% | 1,254 |
| Cash dividends to net income (ytd only)* | 746.2185% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3891% | 138 |
| Loan loss allowance to noncurrent loans | 90.6291% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 2.6142% | 1,187 |
| Noncurrent loans to loans | 4.8429% | 470 |
| Net loans and leases to total assets | 41.3214% | 5,723 |
| Net loans and leases to deposits | 46.1441% | 5,842 |
| Net loans and leases to core deposits | 46.5498% | 5,958 |
| Total domestic deposits to total assets | 89.5486% | 1,347 |
| Equity capital to assets | 10.2059% | 3,593 |
| Core capital (leverage) ratio | 10.0681% | 3,474 |
| Tier 1 risk-based capital ratio | 18.4735% | 2,133 |
| Total risk-based capital ratio | 19.7514% | 2,088 |
| Memoranda: | ||
| Average total assets | $73,105,000 | 5,366 |
| Average earning assets | $68,146,000 | 5,313 |
| Average equity | $7,794,000 | 5,343 |
| Average total loans | $31,843,000 | 5,633 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3353% | 5,941 |
| Cost of funding earning assets | 0.3959% | 4,692 |
| Net interest margin | 2.9394% | 5,712 |
| Noninterest income to average assets | 0.1450% | 6,218 |
| Noninterest expense to average assets | 2.1195% | 5,788 |
| Loan and lease loss provision to assets | 0.0784% | 3,541 |
| Net operating income to assets | 0.6817% | 3,893 |
| Return on assets (ROA) | 0.7287% | 3,751 |
| Pretax return on assets | 0.7287% | 4,424 |
| Return on Equity (ROE) | 6.9984% | 3,557 |
| Retained earnings to average equity (ytd only) | 6.9984% | 1,433 |
| Net charge-offs to loans | -0.0326% | 6,244 |
| Credit loss provision to net charge-offs | -545.4545% | 6,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6054% | 3,196 |
| Assets per employee ($millions) | 6.1084% | 1,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2703% | 164 |
| Loan loss allowance to noncurrent loans | 87.9641% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 2.6493% | 1,268 |
| Noncurrent loans to loans | 4.8545% | 535 |
| Net loans and leases to total assets | 42.0213% | 5,824 |
| Net loans and leases to deposits | 47.4103% | 5,932 |
| Net loans and leases to core deposits | 47.5956% | 6,056 |
| Total domestic deposits to total assets | 88.6332% | 1,836 |
| Equity capital to assets | 11.1144% | 2,511 |
| Core capital (leverage) ratio | 10.7878% | 2,587 |
| Tier 1 risk-based capital ratio | 20.8754% | 1,446 |
| Total risk-based capital ratio | 22.1546% | 1,425 |
| Memoranda: | ||
| Average total assets | $76,574,600 | 5,315 |
| Average earning assets | $71,238,200 | 5,275 |
| Average equity | $7,973,200 | 5,343 |
| Average total loans | $33,710,400 | 5,590 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3539% | 5,970 |
| Cost of funding earning assets | 0.4169% | 4,655 |
| Net interest margin | 2.9370% | 5,723 |
| Noninterest income to average assets | 0.1430% | 6,319 |
| Noninterest expense to average assets | 2.1345% | 5,760 |
| Loan and lease loss provision to assets | 0.1034% | 3,039 |
| Net operating income to assets | 0.6357% | 4,195 |
| Return on assets (ROA) | 0.6977% | 4,009 |
| Pretax return on assets | 0.6977% | 4,699 |
| Return on Equity (ROE) | 6.8097% | 3,760 |
| Retained earnings to average equity (ytd only) | 6.8097% | 1,968 |
| Net charge-offs to loans | -0.0978% | 6,490 |
| Credit loss provision to net charge-offs | -240.0000% | 5,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2806% | 3,017 |
| Assets per employee ($millions) | 5.8247% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3440% | 184 |
| Loan loss allowance to noncurrent loans | 80.7446% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 2.6096% | 1,450 |
| Noncurrent loans to loans | 5.3799% | 519 |
| Net loans and leases to total assets | 40.3640% | 6,006 |
| Net loans and leases to deposits | 45.2599% | 6,142 |
| Net loans and leases to core deposits | 45.6445% | 6,232 |
| Total domestic deposits to total assets | 89.1827% | 1,460 |
| Equity capital to assets | 10.5308% | 3,241 |
| Core capital (leverage) ratio | 10.3628% | 3,151 |
| Tier 1 risk-based capital ratio | 20.8581% | 1,519 |
| Total risk-based capital ratio | 22.1373% | 1,487 |
| Memoranda: | ||
| Average total assets | $77,393,000 | 5,350 |
| Average earning assets | $71,953,250 | 5,305 |
| Average equity | $7,929,750 | 5,411 |
| Average total loans | $34,094,000 | 5,635 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4354% | 5,828 |
| Cost of funding earning assets | 0.4332% | 4,626 |
| Net interest margin | 3.0022% | 5,567 |
| Noninterest income to average assets | 0.1334% | 6,390 |
| Noninterest expense to average assets | 2.0988% | 5,868 |
| Loan and lease loss provision to assets | 0.1539% | 2,394 |
| Net operating income to assets | 0.6722% | 3,945 |
| Return on assets (ROA) | 0.7646% | 3,649 |
| Pretax return on assets | 0.7646% | 4,449 |
| Return on Equity (ROE) | 7.5300% | 3,336 |
| Retained earnings to average equity (ytd only) | 7.5300% | 1,658 |
| Net charge-offs to loans | -0.1436% | 6,587 |
| Credit loss provision to net charge-offs | -240.0000% | 5,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7544% | 3,513 |
| Assets per employee ($millions) | 6.3815% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1885% | 219 |
| Loan loss allowance to noncurrent loans | 75.9715% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 2.6431% | 1,579 |
| Noncurrent loans to loans | 5.5133% | 556 |
| Net loans and leases to total assets | 41.4610% | 5,936 |
| Net loans and leases to deposits | 46.3795% | 6,081 |
| Net loans and leases to core deposits | 46.7675% | 6,194 |
| Total domestic deposits to total assets | 89.3951% | 1,382 |
| Equity capital to assets | 10.3189% | 3,525 |
| Core capital (leverage) ratio | 10.1944% | 3,239 |
| Tier 1 risk-based capital ratio | 20.2763% | 1,657 |
| Total risk-based capital ratio | 21.5547% | 1,629 |
| Memoranda: | ||
| Average total assets | $77,950,330 | 5,371 |
| Average earning assets | $72,479,670 | 5,318 |
| Average equity | $7,915,000 | 5,452 |
| Average total loans | $34,808,000 | 5,626 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5016% | 5,700 |
| Cost of funding earning assets | 0.4479% | 4,619 |
| Net interest margin | 3.0537% | 5,417 |
| Noninterest income to average assets | 0.1475% | 6,365 |
| Noninterest expense to average assets | 2.1110% | 5,893 |
| Loan and lease loss provision to assets | 0.2289% | 1,601 |
| Net operating income to assets | 0.6511% | 3,957 |
| Return on assets (ROA) | 0.8342% | 3,130 |
| Pretax return on assets | 0.8342% | 4,025 |
| Return on Equity (ROE) | 8.2813% | 2,830 |
| Retained earnings to average equity (ytd only) | 8.2813% | 1,650 |
| Net charge-offs to loans | -0.0786% | 6,338 |
| Credit loss provision to net charge-offs | -642.8571% | 5,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5782% | 3,878 |
| Assets per employee ($millions) | 6.6130% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8777% | 319 |
| Loan loss allowance to noncurrent loans | 93.5128% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 2.2116% | 2,107 |
| Noncurrent loans to loans | 4.1468% | 1,067 |
| Net loans and leases to total assets | 42.3257% | 5,822 |
| Net loans and leases to deposits | 47.1947% | 5,979 |
| Net loans and leases to core deposits | 47.5737% | 6,116 |
| Total domestic deposits to total assets | 89.6832% | 1,242 |
| Equity capital to assets | 10.0711% | 4,054 |
| Core capital (leverage) ratio | 9.8644% | 3,584 |
| Tier 1 risk-based capital ratio | 19.1373% | 2,002 |
| Total risk-based capital ratio | 20.4143% | 1,966 |
| Memoranda: | ||
| Average total assets | $78,636,500 | 5,398 |
| Average earning assets | $73,223,000 | 5,345 |
| Average equity | $7,921,500 | 5,509 |
| Average total loans | $35,643,000 | 5,634 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9226% | 5,512 |
| Cost of funding earning assets | 0.5316% | 4,985 |
| Net interest margin | 3.3910% | 4,917 |
| Noninterest income to average assets | 0.1902% | 6,044 |
| Noninterest expense to average assets | 2.1183% | 6,089 |
| Loan and lease loss provision to assets | 0.5221% | 1,118 |
| Net operating income to assets | 0.7061% | 3,707 |
| Return on assets (ROA) | 0.5507% | 4,725 |
| Pretax return on assets | 0.5507% | 5,132 |
| Return on Equity (ROE) | 5.9331% | 4,207 |
| Retained earnings to average equity (ytd only) | 5.9331% | 2,118 |
| Net charge-offs to loans | 1.2345% | 810 |
| Credit loss provision to net charge-offs | 86.0656% | 3,624 |
| Earnings coverage of net charge-offs (x) | 2.0246% | 4,401 |
| Efficiency ratio | 63.2987% | 5,016 |
| Assets per employee ($millions) | 6.4931% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5853% | 397 |
| Loan loss allowance to noncurrent loans | 88.2791% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 2.2870% | 2,145 |
| Noncurrent loans to loans | 4.0613% | 1,147 |
| Net loans and leases to total assets | 44.9709% | 5,732 |
| Net loans and leases to deposits | 50.1245% | 5,944 |
| Net loans and leases to core deposits | 50.8526% | 6,097 |
| Total domestic deposits to total assets | 89.7185% | 1,114 |
| Equity capital to assets | 10.0761% | 4,065 |
| Core capital (leverage) ratio | 9.6200% | 3,933 |
| Tier 1 risk-based capital ratio | 18.1973% | 2,193 |
| Total risk-based capital ratio | 19.4716% | 2,146 |
| Memoranda: | ||
| Average total assets | $80,442,000 | 5,342 |
| Average earning assets | $74,874,000 | 5,283 |
| Average equity | $7,466,600 | 5,650 |
| Average total loans | $39,529,000 | 5,526 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9672% | 5,611 |
| Cost of funding earning assets | 0.5496% | 5,093 |
| Net interest margin | 3.4176% | 4,973 |
| Noninterest income to average assets | 0.2039% | 6,070 |
| Noninterest expense to average assets | 2.1018% | 6,159 |
| Loan and lease loss provision to assets | 0.5920% | 945 |
| Net operating income to assets | 0.6907% | 3,952 |
| Return on assets (ROA) | 0.6907% | 4,210 |
| Pretax return on assets | 0.6907% | 4,894 |
| Return on Equity (ROE) | 7.5977% | 3,477 |
| Retained earnings to average equity (ytd only) | 7.5977% | 1,799 |
| Net charge-offs to loans | 0.7109% | 1,554 |
| Credit loss provision to net charge-offs | 167.4419% | 1,658 |
| Earnings coverage of net charge-offs (x) | 3.6279% | 3,572 |
| Efficiency ratio | 62.0991% | 5,133 |
| Assets per employee ($millions) | 6.1217% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9470% | 324 |
| Loan loss allowance to noncurrent loans | 154.6939% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 1.5896% | 3,214 |
| Noncurrent loans to loans | 2.5515% | 2,242 |
| Net loans and leases to total assets | 46.3585% | 5,729 |
| Net loans and leases to deposits | 51.4038% | 6,015 |
| Net loans and leases to core deposits | 52.1301% | 6,172 |
| Total domestic deposits to total assets | 90.1850% | 740 |
| Equity capital to assets | 9.6190% | 5,036 |
| Core capital (leverage) ratio | 9.4973% | 4,273 |
| Tier 1 risk-based capital ratio | 17.0101% | 2,726 |
| Total risk-based capital ratio | 18.2859% | 2,674 |
| Memoranda: | ||
| Average total assets | $81,073,250 | 5,379 |
| Average earning assets | $75,450,750 | 5,311 |
| Average equity | $7,370,500 | 5,727 |
| Average total loans | $40,325,500 | 5,560 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9741% | 5,722 |
| Cost of funding earning assets | 0.5707% | 5,142 |
| Net interest margin | 3.4033% | 5,072 |
| Noninterest income to average assets | 0.1618% | 6,373 |
| Noninterest expense to average assets | 2.0718% | 6,290 |
| Loan and lease loss provision to assets | 0.6375% | 905 |
| Net operating income to assets | 0.6252% | 4,251 |
| Return on assets (ROA) | 0.6252% | 4,498 |
| Pretax return on assets | 0.6252% | 5,053 |
| Return on Equity (ROE) | 7.0097% | 3,773 |
| Retained earnings to average equity (ytd only) | 7.0097% | 2,097 |
| Net charge-offs to loans | 0.7860% | 1,401 |
| Credit loss provision to net charge-offs | 161.4907% | 1,727 |
| Earnings coverage of net charge-offs (x) | 3.1988% | 3,459 |
| Efficiency ratio | 62.1324% | 5,226 |
| Assets per employee ($millions) | 6.1016% | 1,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7240% | 418 |
| Loan loss allowance to noncurrent loans | 128.9474% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 1.8974% | 2,909 |
| Noncurrent loans to loans | 2.8880% | 2,073 |
| Net loans and leases to total assets | 47.9117% | 5,623 |
| Net loans and leases to deposits | 52.9717% | 5,956 |
| Net loans and leases to core deposits | 53.7197% | 6,110 |
| Total domestic deposits to total assets | 90.4477% | 696 |
| Equity capital to assets | 9.3720% | 5,227 |
| Core capital (leverage) ratio | 9.3035% | 4,449 |
| Tier 1 risk-based capital ratio | 16.2516% | 3,028 |
| Total risk-based capital ratio | 17.5266% | 2,988 |
| Memoranda: | ||
| Average total assets | $81,570,330 | 5,393 |
| Average earning assets | $76,043,330 | 5,322 |
| Average equity | $7,275,670 | 5,765 |
| Average total loans | $40,964,330 | 5,556 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9652% | 5,875 |
| Cost of funding earning assets | 0.5969% | 5,161 |
| Net interest margin | 3.3683% | 5,242 |
| Noninterest income to average assets | 0.1354% | 6,572 |
| Noninterest expense to average assets | 2.0509% | 6,377 |
| Loan and lease loss provision to assets | 0.6288% | 886 |
| Net operating income to assets | 0.5950% | 4,366 |
| Return on assets (ROA) | 0.5950% | 4,583 |
| Pretax return on assets | 0.5950% | 5,138 |
| Return on Equity (ROE) | 6.8367% | 3,868 |
| Retained earnings to average equity (ytd only) | 6.8367% | 2,508 |
| Net charge-offs to loans | 1.5824% | 630 |
| Credit loss provision to net charge-offs | 78.7879% | 2,742 |
| Earnings coverage of net charge-offs (x) | 1.5333% | 3,564 |
| Efficiency ratio | 62.6292% | 5,167 |
| Assets per employee ($millions) | 5.8578% | 1,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2433% | 656 |
| Loan loss allowance to noncurrent loans | 114.3836% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 2.0132% | 2,877 |
| Noncurrent loans to loans | 2.8354% | 2,278 |
| Net loans and leases to total assets | 48.6008% | 5,477 |
| Net loans and leases to deposits | 53.4290% | 5,867 |
| Net loans and leases to core deposits | 54.0544% | 6,052 |
| Total domestic deposits to total assets | 90.9632% | 576 |
| Equity capital to assets | 8.8893% | 5,653 |
| Core capital (leverage) ratio | 8.7161% | 5,266 |
| Tier 1 risk-based capital ratio | 15.3854% | 3,506 |
| Total risk-based capital ratio | 16.6546% | 3,465 |
| Memoranda: | ||
| Average total assets | $82,695,000 | 5,392 |
| Average earning assets | $77,071,000 | 5,327 |
| Average equity | $7,196,500 | 5,810 |
| Average total loans | $41,709,500 | 5,562 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3330% | 5,657 |
| Cost of funding earning assets | 0.8828% | 4,235 |
| Net interest margin | 3.4503% | 5,331 |
| Noninterest income to average assets | 0.1219% | 6,539 |
| Noninterest expense to average assets | 2.0145% | 6,649 |
| Loan and lease loss provision to assets | 0.5977% | 1,731 |
| Net operating income to assets | 0.7113% | 3,432 |
| Return on assets (ROA) | 0.5836% | 4,261 |
| Pretax return on assets | 0.5836% | 4,738 |
| Return on Equity (ROE) | 7.1801% | 3,316 |
| Retained earnings to average equity (ytd only) | 1.4130% | 5,190 |
| Net charge-offs to loans | 0.3802% | 3,509 |
| Credit loss provision to net charge-offs | 277.1739% | 858 |
| Earnings coverage of net charge-offs (x) | 6.0707% | 2,605 |
| Efficiency ratio | 60.6135% | 5,660 |
| Assets per employee ($millions) | 5.9558% | 1,266 |
| Cash dividends to net income (ytd only)* | 80.3213% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2468% | 651 |
| Loan loss allowance to noncurrent loans | 121.0062% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 1.9489% | 3,044 |
| Noncurrent loans to loans | 2.6832% | 2,424 |
| Net loans and leases to total assets | 48.9980% | 5,715 |
| Net loans and leases to deposits | 53.6387% | 6,102 |
| Net loans and leases to core deposits | 54.2527% | 6,286 |
| Total domestic deposits to total assets | 91.3481% | 379 |
| Equity capital to assets | 8.5187% | 6,124 |
| Core capital (leverage) ratio | 8.3933% | 5,722 |
| Tier 1 risk-based capital ratio | 15.0637% | 3,599 |
| Total risk-based capital ratio | 16.3344% | 3,554 |
| Memoranda: | ||
| Average total assets | $85,332,000 | 5,302 |
| Average earning assets | $79,182,600 | 5,255 |
| Average equity | $6,935,800 | 5,880 |
| Average total loans | $48,389,800 | 5,330 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3926% | 5,628 |
| Cost of funding earning assets | 0.9486% | 4,061 |
| Net interest margin | 3.4440% | 5,415 |
| Noninterest income to average assets | 0.1150% | 6,683 |
| Noninterest expense to average assets | 1.9824% | 6,728 |
| Loan and lease loss provision to assets | 0.6525% | 1,502 |
| Net operating income to assets | 0.6727% | 3,751 |
| Return on assets (ROA) | 0.6727% | 3,928 |
| Pretax return on assets | 0.6727% | 4,571 |
| Return on Equity (ROE) | 8.3742% | 2,882 |
| Retained earnings to average equity (ytd only) | 0.6382% | 5,761 |
| Net charge-offs to loans | 0.2376% | 3,938 |
| Credit loss provision to net charge-offs | 471.9101% | 592 |
| Earnings coverage of net charge-offs (x) | 9.5845% | 2,027 |
| Efficiency ratio | 59.9342% | 5,733 |
| Assets per employee ($millions) | 6.6478% | 876 |
| Cash dividends to net income (ytd only)* | 92.3786% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1590% | 758 |
| Loan loss allowance to noncurrent loans | 125.2047% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 1.7415% | 3,488 |
| Noncurrent loans to loans | 2.5231% | 2,747 |
| Net loans and leases to total assets | 48.8099% | 5,861 |
| Net loans and leases to deposits | 53.2413% | 6,272 |
| Net loans and leases to core deposits | 54.0331% | 6,456 |
| Total domestic deposits to total assets | 91.6768% | 268 |
| Equity capital to assets | 8.1739% | 6,581 |
| Core capital (leverage) ratio | 8.3308% | 5,935 |
| Tier 1 risk-based capital ratio | 14.4261% | 4,034 |
| Total risk-based capital ratio | 15.6948% | 3,987 |
| Memoranda: | ||
| Average total assets | $85,819,750 | 5,333 |
| Average earning assets | $79,555,750 | 5,281 |
| Average equity | $6,894,000 | 5,933 |
| Average total loans | $49,930,750 | 5,307 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4994% | 5,357 |
| Cost of funding earning assets | 1.0181% | 3,830 |
| Net interest margin | 3.4813% | 5,240 |
| Noninterest income to average assets | 0.2009% | 6,229 |
| Noninterest expense to average assets | 2.1234% | 6,547 |
| Loan and lease loss provision to assets | 0.7008% | 1,353 |
| Net operating income to assets | 0.5957% | 4,086 |
| Return on assets (ROA) | 0.5957% | 4,220 |
| Pretax return on assets | 0.5957% | 4,751 |
| Return on Equity (ROE) | 7.4591% | 3,212 |
| Retained earnings to average equity (ytd only) | 1.6088% | 5,185 |
| Net charge-offs to loans | 0.0730% | 4,918 |
| Credit loss provision to net charge-offs | 1,578.9474% | 220 |
| Earnings coverage of net charge-offs (x) | 29.2105% | 942 |
| Efficiency ratio | 62.0902% | 5,573 |
| Assets per employee ($millions) | 5.9433% | 1,219 |
| Cash dividends to net income (ytd only)* | 78.4314% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8433% | 1,037 |
| Loan loss allowance to noncurrent loans | 189.1583% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 1.8604% | 3,422 |
| Noncurrent loans to loans | 1.5031% | 4,163 |
| Net loans and leases to total assets | 54.4552% | 5,225 |
| Net loans and leases to deposits | 59.5651% | 5,771 |
| Net loans and leases to core deposits | 61.6479% | 5,929 |
| Total domestic deposits to total assets | 91.4213% | 362 |
| Equity capital to assets | 8.3456% | 6,370 |
| Core capital (leverage) ratio | 8.4045% | 5,701 |
| Tier 1 risk-based capital ratio | 13.3358% | 4,660 |
| Total risk-based capital ratio | 14.6013% | 4,627 |
| Memoranda: | ||
| Average total assets | $85,619,330 | 5,380 |
| Average earning assets | $79,166,330 | 5,339 |
| Average equity | $6,837,330 | 5,969 |
| Average total loans | $52,055,000 | 5,280 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4466% | 5,526 |
| Cost of funding earning assets | 1.0559% | 3,807 |
| Net interest margin | 3.3908% | 5,465 |
| Noninterest income to average assets | 0.1428% | 6,698 |
| Noninterest expense to average assets | 2.0316% | 6,769 |
| Loan and lease loss provision to assets | 0.6910% | 1,221 |
| Net operating income to assets | 0.5713% | 4,171 |
| Return on assets (ROA) | 0.5713% | 4,248 |
| Pretax return on assets | 0.5713% | 4,794 |
| Return on Equity (ROE) | 7.3113% | 3,243 |
| Retained earnings to average equity (ytd only) | 7.3113% | 2,020 |
| Net charge-offs to loans | -0.3360% | 7,355 |
| Credit loss provision to net charge-offs | -326.0870% | 5,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6783% | 5,726 |
| Assets per employee ($millions) | 6.0772% | 1,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3000% | 1,767 |
| Loan loss allowance to noncurrent loans | 99.8391% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 2.6046% | 2,633 |
| Noncurrent loans to loans | 2.3037% | 3,187 |
| Net loans and leases to total assets | 61.9598% | 3,862 |
| Net loans and leases to deposits | 67.5786% | 4,735 |
| Net loans and leases to core deposits | 70.1216% | 5,027 |
| Total domestic deposits to total assets | 91.6856% | 373 |
| Equity capital to assets | 8.0241% | 6,469 |
| Core capital (leverage) ratio | 8.2193% | 5,951 |
| Tier 1 risk-based capital ratio | 13.0036% | 4,821 |
| Total risk-based capital ratio | 14.2655% | 4,798 |
| Memoranda: | ||
| Average total assets | $86,826,000 | 5,381 |
| Average earning assets | $80,690,000 | 5,339 |
| Average equity | $6,784,000 | 5,991 |
| Average total loans | $54,764,500 | 5,224 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8536% | 5,218 |
| Cost of funding earning assets | 1.3801% | 3,392 |
| Net interest margin | 3.4736% | 5,350 |
| Noninterest income to average assets | 0.2215% | 6,220 |
| Noninterest expense to average assets | 1.8995% | 7,164 |
| Loan and lease loss provision to assets | 1.0781% | 1,486 |
| Net operating income to assets | 0.4734% | 4,214 |
| Return on assets (ROA) | 0.5156% | 4,178 |
| Pretax return on assets | 0.5156% | 4,564 |
| Return on Equity (ROE) | 6.5100% | 3,341 |
| Retained earnings to average equity (ytd only) | 2.7520% | 3,929 |
| Net charge-offs to loans | 1.5671% | 1,393 |
| Credit loss provision to net charge-offs | 100.2179% | 4,547 |
| Earnings coverage of net charge-offs (x) | 1.4423% | 4,678 |
| Efficiency ratio | 55.0424% | 6,709 |
| Assets per employee ($millions) | 7.3809% | 624 |
| Cash dividends to net income (ytd only)* | 57.7273% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8804% | 2,615 |
| Loan loss allowance to noncurrent loans | 75.0718% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 2.3315% | 2,936 |
| Noncurrent loans to loans | 2.5049% | 3,022 |
| Net loans and leases to total assets | 61.5630% | 4,381 |
| Net loans and leases to deposits | 66.8117% | 5,290 |
| Net loans and leases to core deposits | 69.2072% | 5,526 |
| Total domestic deposits to total assets | 92.1442% | 254 |
| Equity capital to assets | 7.6108% | 6,807 |
| Core capital (leverage) ratio | 7.8885% | 6,335 |
| Tier 1 risk-based capital ratio | 12.4760% | 5,041 |
| Total risk-based capital ratio | 13.7329% | 5,024 |
| Memoranda: | ||
| Average total assets | $85,337,200 | 5,428 |
| Average earning assets | $79,342,400 | 5,371 |
| Average equity | $6,758,800 | 6,118 |
| Average total loans | $58,580,400 | 5,128 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9250% | 5,151 |
| Cost of funding earning assets | 1.4532% | 3,257 |
| Net interest margin | 3.4718% | 5,413 |
| Noninterest income to average assets | 0.1625% | 6,702 |
| Noninterest expense to average assets | 1.9275% | 7,167 |
| Loan and lease loss provision to assets | 1.0568% | 1,393 |
| Net operating income to assets | 0.4038% | 4,732 |
| Return on assets (ROA) | 0.4606% | 4,668 |
| Pretax return on assets | 0.4606% | 5,042 |
| Return on Equity (ROE) | 5.7564% | 3,927 |
| Retained earnings to average equity (ytd only) | 0.7492% | 5,502 |
| Net charge-offs to loans | 1.7168% | 1,138 |
| Credit loss provision to net charge-offs | 87.6963% | 4,866 |
| Earnings coverage of net charge-offs (x) | 1.2120% | 4,850 |
| Efficiency ratio | 56.8901% | 6,428 |
| Assets per employee ($millions) | 6.7825% | 842 |
| Cash dividends to net income (ytd only)* | 86.9876% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6430% | 3,356 |
| Loan loss allowance to noncurrent loans | 80.4237% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 2.1968% | 3,208 |
| Noncurrent loans to loans | 2.0429% | 3,630 |
| Net loans and leases to total assets | 64.4324% | 4,031 |
| Net loans and leases to deposits | 70.2284% | 5,116 |
| Net loans and leases to core deposits | 72.7659% | 5,432 |
| Total domestic deposits to total assets | 91.7469% | 246 |
| Equity capital to assets | 8.0206% | 6,789 |
| Core capital (leverage) ratio | 7.8570% | 6,512 |
| Tier 1 risk-based capital ratio | 12.4516% | 5,032 |
| Total risk-based capital ratio | 13.7078% | 4,999 |
| Memoranda: | ||
| Average total assets | $84,528,750 | 5,520 |
| Average earning assets | $78,536,750 | 5,463 |
| Average equity | $6,763,250 | 6,194 |
| Average total loans | $59,332,500 | 5,176 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9745% | 5,057 |
| Cost of funding earning assets | 1.5161% | 3,160 |
| Net interest margin | 3.4584% | 5,413 |
| Noninterest income to average assets | 0.1248% | 6,972 |
| Noninterest expense to average assets | 1.9084% | 7,252 |
| Loan and lease loss provision to assets | 1.1283% | 1,275 |
| Net operating income to assets | 0.3025% | 5,175 |
| Return on assets (ROA) | 0.3889% | 4,967 |
| Pretax return on assets | 0.3889% | 5,264 |
| Return on Equity (ROE) | 4.8646% | 4,353 |
| Retained earnings to average equity (ytd only) | -2.7626% | 6,264 |
| Net charge-offs to loans | 2.3222% | 761 |
| Credit loss provision to net charge-offs | 67.6259% | 5,029 |
| Earnings coverage of net charge-offs (x) | 0.8576% | 4,912 |
| Efficiency ratio | 57.1531% | 6,490 |
| Assets per employee ($millions) | 6.0638% | 1,184 |
| Cash dividends to net income (ytd only)* | 156.7901% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3818% | 4,516 |
| Loan loss allowance to noncurrent loans | 44.4083% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 2.6586% | 2,710 |
| Noncurrent loans to loans | 3.1115% | 2,582 |
| Net loans and leases to total assets | 68.7701% | 3,178 |
| Net loans and leases to deposits | 74.8830% | 4,532 |
| Net loans and leases to core deposits | 77.6973% | 5,002 |
| Total domestic deposits to total assets | 91.8368% | 255 |
| Equity capital to assets | 7.9559% | 6,798 |
| Core capital (leverage) ratio | 8.0822% | 6,151 |
| Tier 1 risk-based capital ratio | 11.9744% | 5,336 |
| Total risk-based capital ratio | 13.2270% | 5,298 |
| Memoranda: | ||
| Average total assets | $83,314,000 | 5,585 |
| Average earning assets | $77,435,000 | 5,532 |
| Average equity | $6,660,330 | 6,251 |
| Average total loans | $59,856,330 | 5,182 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9297% | 5,313 |
| Cost of funding earning assets | 1.5633% | 3,182 |
| Net interest margin | 3.3664% | 5,723 |
| Noninterest income to average assets | 0.1212% | 7,082 |
| Noninterest expense to average assets | 1.8370% | 7,427 |
| Loan and lease loss provision to assets | 1.5511% | 751 |
| Net operating income to assets | -0.1357% | 6,464 |
| Return on assets (ROA) | 0.0388% | 6,308 |
| Pretax return on assets | 0.0388% | 6,284 |
| Return on Equity (ROE) | 0.4839% | 6,273 |
| Retained earnings to average equity (ytd only) | -13.6690% | 7,157 |
| Net charge-offs to loans | 3.2300% | 461 |
| Credit loss provision to net charge-offs | 65.8436% | 4,185 |
| Earnings coverage of net charge-offs (x) | 0.6008% | 4,484 |
| Efficiency ratio | 56.4829% | 6,700 |
| Assets per employee ($millions) | 5.8824% | 1,352 |
| Cash dividends to net income (ytd only)* | 2,925.0000% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4549% | 4,156 |
| Loan loss allowance to noncurrent loans | 48.3996% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 2.7042% | 2,692 |
| Noncurrent loans to loans | 3.0060% | 2,667 |
| Net loans and leases to total assets | 72.1309% | 2,418 |
| Net loans and leases to deposits | 78.5232% | 3,938 |
| Net loans and leases to core deposits | 81.9315% | 4,497 |
| Total domestic deposits to total assets | 91.8594% | 273 |
| Equity capital to assets | 7.9086% | 6,748 |
| Core capital (leverage) ratio | 7.9786% | 6,266 |
| Tier 1 risk-based capital ratio | 11.7071% | 5,485 |
| Total risk-based capital ratio | 12.9601% | 5,432 |
| Memoranda: | ||
| Average total assets | $82,524,500 | 5,681 |
| Average earning assets | $76,758,500 | 5,613 |
| Average equity | $6,613,500 | 6,317 |
| Average total loans | $60,185,000 | 5,241 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1111% | 6,043 |
| Cost of funding earning assets | 2.0043% | 2,940 |
| Net interest margin | 3.1068% | 6,347 |
| Noninterest income to average assets | -0.2406% | 7,877 |
| Noninterest expense to average assets | 1.8872% | 7,523 |
| Loan and lease loss provision to assets | 0.2916% | 5,094 |
| Net operating income to assets | 0.4776% | 3,827 |
| Return on assets (ROA) | 0.5845% | 3,461 |
| Pretax return on assets | 0.5845% | 3,950 |
| Return on Equity (ROE) | 7.9462% | 2,394 |
| Retained earnings to average equity (ytd only) | 7.9462% | 713 |
| Net charge-offs to loans | 0.2943% | 4,790 |
| Credit loss provision to net charge-offs | 140.3509% | 3,464 |
| Earnings coverage of net charge-offs (x) | 3.7018% | 3,238 |
| Efficiency ratio | 71.0430% | 4,436 |
| Assets per employee ($millions) | 5.9069% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7357% | 2,764 |
| Loan loss allowance to noncurrent loans | 93.7950% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 1.8465% | 3,600 |
| Noncurrent loans to loans | 1.8505% | 3,863 |
| Net loans and leases to total assets | 71.4037% | 2,911 |
| Net loans and leases to deposits | 77.8248% | 4,415 |
| Net loans and leases to core deposits | 99.0290% | 4,106 |
| Total domestic deposits to total assets | 91.7493% | 315 |
| Equity capital to assets | 8.1189% | 6,439 |
| Core capital (leverage) ratio | 8.1461% | 5,922 |
| Tier 1 risk-based capital ratio | 12.0324% | 4,921 |
| Total risk-based capital ratio | 13.2899% | 4,872 |
| Memoranda: | ||
| Average total assets | $82,291,800 | 5,655 |
| Average earning assets | $76,734,200 | 5,571 |
| Average equity | $6,053,200 | 6,588 |
| Average total loans | $58,095,000 | 5,335 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1192% | 6,203 |
| Cost of funding earning assets | 2.0869% | 2,948 |
| Net interest margin | 3.0322% | 6,511 |
| Noninterest income to average assets | -0.3682% | 8,025 |
| Noninterest expense to average assets | 1.8347% | 7,627 |
| Loan and lease loss provision to assets | 0.2920% | 4,641 |
| Net operating income to assets | 0.3358% | 4,657 |
| Return on assets (ROA) | 0.4785% | 4,176 |
| Pretax return on assets | 0.4785% | 4,586 |
| Return on Equity (ROE) | 6.6800% | 3,227 |
| Retained earnings to average equity (ytd only) | 6.6800% | 1,641 |
| Net charge-offs to loans | 0.2546% | 4,462 |
| Credit loss provision to net charge-offs | 163.6364% | 2,876 |
| Earnings coverage of net charge-offs (x) | 3.5183% | 3,501 |
| Efficiency ratio | 74.5059% | 3,783 |
| Assets per employee ($millions) | 6.0867% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7675% | 2,390 |
| Loan loss allowance to noncurrent loans | 156.9925% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 1.2674% | 4,533 |
| Noncurrent loans to loans | 1.1258% | 5,063 |
| Net loans and leases to total assets | 68.0921% | 3,936 |
| Net loans and leases to deposits | 73.9442% | 5,371 |
| Net loans and leases to core deposits | 93.4695% | 5,074 |
| Total domestic deposits to total assets | 92.0858% | 162 |
| Equity capital to assets | 7.7300% | 7,122 |
| Core capital (leverage) ratio | 8.0494% | 6,278 |
| Tier 1 risk-based capital ratio | 12.0137% | 4,966 |
| Total risk-based capital ratio | 13.2702% | 4,895 |
| Memoranda: | ||
| Average total assets | $82,190,750 | 5,687 |
| Average earning assets | $76,729,500 | 5,606 |
| Average equity | $5,888,000 | 6,708 |
| Average total loans | $57,596,000 | 5,396 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2108% | 6,041 |
| Cost of funding earning assets | 2.1974% | 2,805 |
| Net interest margin | 3.0134% | 6,514 |
| Noninterest income to average assets | -0.1109% | 8,036 |
| Noninterest expense to average assets | 1.8107% | 7,732 |
| Loan and lease loss provision to assets | 0.2956% | 4,197 |
| Net operating income to assets | 0.5937% | 3,701 |
| Return on assets (ROA) | 0.5986% | 3,787 |
| Pretax return on assets | 0.5986% | 4,326 |
| Return on Equity (ROE) | 8.5942% | 2,519 |
| Retained earnings to average equity (ytd only) | 8.5942% | 1,041 |
| Net charge-offs to loans | 0.3677% | 3,348 |
| Credit loss provision to net charge-offs | 114.2857% | 4,050 |
| Earnings coverage of net charge-offs (x) | 3.4381% | 3,436 |
| Efficiency ratio | 67.0620% | 5,350 |
| Assets per employee ($millions) | 5.7670% | 1,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6990% | 2,357 |
| Loan loss allowance to noncurrent loans | 209.0909% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 1.3711% | 4,220 |
| Noncurrent loans to loans | 0.8126% | 5,601 |
| Net loans and leases to total assets | 70.8725% | 3,499 |
| Net loans and leases to deposits | 76.5591% | 5,090 |
| Net loans and leases to core deposits | 94.0949% | 5,106 |
| Total domestic deposits to total assets | 92.5723% | 137 |
| Equity capital to assets | 7.1936% | 7,488 |
| Core capital (leverage) ratio | 7.4951% | 7,024 |
| Tier 1 risk-based capital ratio | 11.2547% | 5,638 |
| Total risk-based capital ratio | 12.5124% | 5,543 |
| Memoranda: | ||
| Average total assets | $81,183,000 | 5,755 |
| Average earning assets | $75,727,330 | 5,681 |
| Average equity | $5,655,000 | 6,850 |
| Average total loans | $57,105,330 | 5,462 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1332% | 6,554 |
| Cost of funding earning assets | 2.3538% | 2,495 |
| Net interest margin | 2.7794% | 7,034 |
| Noninterest income to average assets | -0.2064% | 8,165 |
| Noninterest expense to average assets | 1.6903% | 7,832 |
| Loan and lease loss provision to assets | 0.2948% | 3,586 |
| Net operating income to assets | 0.4078% | 4,826 |
| Return on assets (ROA) | 0.3882% | 5,080 |
| Pretax return on assets | 0.3882% | 5,430 |
| Return on Equity (ROE) | 5.6646% | 4,190 |
| Retained earnings to average equity (ytd only) | 5.6646% | 2,795 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6366% | 4,444 |
| Assets per employee ($millions) | 5.4951% | 1,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7761% | 1,911 |
| Loan loss allowance to noncurrent loans | 320.1238% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 1.1610% | 4,350 |
| Noncurrent loans to loans | 0.5548% | 6,027 |
| Net loans and leases to total assets | 69.3729% | 3,826 |
| Net loans and leases to deposits | 74.6170% | 5,409 |
| Net loans and leases to core deposits | 91.8306% | 5,359 |
| Total domestic deposits to total assets | 92.9720% | 90 |
| Equity capital to assets | 6.8618% | 7,741 |
| Core capital (leverage) ratio | 7.2909% | 7,389 |
| Tier 1 risk-based capital ratio | 11.5164% | 5,394 |
| Total risk-based capital ratio | 12.7749% | 5,280 |
| Memoranda: | ||
| Average total assets | $81,405,500 | 5,773 |
| Average earning assets | $76,132,500 | 5,692 |
| Average equity | $5,578,500 | 6,921 |
| Average total loans | $56,553,000 | 5,522 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0068% | 5,518 |
| Cost of funding earning assets | 2.8835% | 2,339 |
| Net interest margin | 3.1233% | 6,581 |
| Noninterest income to average assets | 0.1427% | 7,391 |
| Noninterest expense to average assets | 1.6071% | 7,958 |
| Loan and lease loss provision to assets | 1.0208% | 1,441 |
| Net operating income to assets | 0.4633% | 4,893 |
| Return on assets (ROA) | 0.1335% | 5,857 |
| Pretax return on assets | 0.1335% | 5,873 |
| Return on Equity (ROE) | 2.0131% | 5,617 |
| Retained earnings to average equity (ytd only) | 0.1184% | 5,161 |
| Net charge-offs to loans | 0.7001% | 1,761 |
| Credit loss provision to net charge-offs | 216.6667% | 2,221 |
| Earnings coverage of net charge-offs (x) | 3.1500% | 4,511 |
| Efficiency ratio | 51.9898% | 7,491 |
| Assets per employee ($millions) | 5.3589% | 1,567 |
| Cash dividends to net income (ytd only)* | 94.1176% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7745% | 1,692 |
| Loan loss allowance to noncurrent loans | 299.6923% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 1.1930% | 3,864 |
| Noncurrent loans to loans | 0.5921% | 5,601 |
| Net loans and leases to total assets | 67.0730% | 4,624 |
| Net loans and leases to deposits | 72.1622% | 6,042 |
| Net loans and leases to core deposits | 87.4777% | 6,025 |
| Total domestic deposits to total assets | 92.9476% | 58 |
| Equity capital to assets | 6.8434% | 7,807 |
| Core capital (leverage) ratio | 7.3694% | 7,340 |
| Tier 1 risk-based capital ratio | 11.2723% | 5,467 |
| Total risk-based capital ratio | 12.5284% | 5,350 |
| Memoranda: | ||
| Average total assets | $76,410,200 | 5,818 |
| Average earning assets | $72,135,400 | 5,735 |
| Average equity | $5,066,800 | 7,120 |
| Average total loans | $51,420,800 | 5,647 |