Home > Midwest Community Bank > Performance and Condition Ratios
Midwest Community Bank, Performance and Condition Ratios
| 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 | 3.5339% | 4,683 |
| Cost of funding earning assets | 0.7081% | 789 |
| Net interest margin | 2.8257% | 5,253 |
| Noninterest income to average assets | 0.7529% | 1,944 |
| Noninterest expense to average assets | 2.1594% | 4,863 |
| Loan and lease loss provision to assets | 0.0359% | 3,650 |
| Net operating income to assets | 0.9175% | 2,734 |
| Return on assets (ROA) | 1.2191% | 1,529 |
| Pretax return on assets | 1.6884% | 1,033 |
| Return on Equity (ROE) | 8.9050% | 2,469 |
| Retained earnings to average equity (ytd only) | 7.1311% | 1,176 |
| Net charge-offs to loans | -0.0043% | 4,788 |
| Credit loss provision to net charge-offs | -2,200.0000% | 5,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2540% | 4,544 |
| Assets per employee ($millions) | 5.4909% | 1,871 |
| Cash dividends to net income (ytd only)* | 19.9198% | 3,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7310% | 1,082 |
| Loan loss allowance to noncurrent loans | 55.7307% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 1.1556% | 1,590 |
| Noncurrent loans to loans | 3.1061% | 429 |
| Net loans and leases to total assets | 36.5613% | 5,468 |
| Net loans and leases to deposits | 51.3929% | 5,151 |
| Net loans and leases to core deposits | 54.5448% | 5,124 |
| Total domestic deposits to total assets | 71.1407% | 5,607 |
| Equity capital to assets | 13.5281% | 1,035 |
| Core capital (leverage) ratio | 14.0815% | 797 |
| Tier 1 risk-based capital ratio | 32.8358% | 379 |
| Total risk-based capital ratio | 34.0886% | 374 |
| Memoranda: | ||
| Average total assets | $61,359,000 | 5,109 |
| Average earning assets | $58,887,200 | 5,051 |
| Average equity | $8,399,800 | 4,863 |
| Average total loans | $23,190,000 | 5,412 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6171% | 4,498 |
| Cost of funding earning assets | 0.7108% | 772 |
| Net interest margin | 2.9064% | 5,178 |
| Noninterest income to average assets | 0.5649% | 2,849 |
| Noninterest expense to average assets | 2.1320% | 4,933 |
| Loan and lease loss provision to assets | 0.0476% | 3,297 |
| Net operating income to assets | 0.8527% | 3,135 |
| Return on assets (ROA) | 1.2532% | 1,550 |
| Pretax return on assets | 1.7294% | 1,038 |
| Return on Equity (ROE) | 9.1283% | 2,431 |
| Retained earnings to average equity (ytd only) | 7.7252% | 1,296 |
| Net charge-offs to loans | -0.0057% | 4,646 |
| Credit loss provision to net charge-offs | -2,200.0000% | 5,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4590% | 4,319 |
| Assets per employee ($millions) | 5.5815% | 1,768 |
| Cash dividends to net income (ytd only)* | 15.3709% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7061% | 1,209 |
| Loan loss allowance to noncurrent loans | 422.8261% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 4,843 |
| Noncurrent loans to loans | 0.4035% | 3,828 |
| Net loans and leases to total assets | 36.5034% | 5,531 |
| Net loans and leases to deposits | 49.6401% | 5,313 |
| Net loans and leases to core deposits | 51.8580% | 5,316 |
| Total domestic deposits to total assets | 73.5362% | 5,475 |
| Equity capital to assets | 14.0740% | 1,005 |
| Core capital (leverage) ratio | 13.9070% | 878 |
| Tier 1 risk-based capital ratio | 32.7572% | 388 |
| Total risk-based capital ratio | 34.0124% | 384 |
| Memoranda: | ||
| Average total assets | $61,598,750 | 5,152 |
| Average earning assets | $59,087,500 | 5,088 |
| Average equity | $8,457,000 | 4,903 |
| Average total loans | $23,369,500 | 5,462 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6632% | 4,404 |
| Cost of funding earning assets | 0.7069% | 774 |
| Net interest margin | 2.9562% | 5,161 |
| Noninterest income to average assets | 0.6357% | 2,434 |
| Noninterest expense to average assets | 2.2152% | 4,808 |
| Loan and lease loss provision to assets | 0.0714% | 2,707 |
| Net operating income to assets | 0.8669% | 3,020 |
| Return on assets (ROA) | 1.2551% | 1,527 |
| Pretax return on assets | 1.7157% | 1,057 |
| Return on Equity (ROE) | 9.2190% | 2,394 |
| Retained earnings to average equity (ytd only) | 7.0989% | 1,555 |
| Net charge-offs to loans | -0.0085% | 4,656 |
| Credit loss provision to net charge-offs | -2,200.0000% | 5,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7757% | 4,377 |
| Assets per employee ($millions) | 5.5209% | 1,782 |
| Cash dividends to net income (ytd only)* | 22.9974% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6720% | 1,338 |
| Loan loss allowance to noncurrent loans | 67.5347% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 0.9485% | 2,255 |
| Noncurrent loans to loans | 2.4758% | 714 |
| Net loans and leases to total assets | 37.6684% | 5,527 |
| Net loans and leases to deposits | 51.4449% | 5,274 |
| Net loans and leases to core deposits | 54.4407% | 5,254 |
| Total domestic deposits to total assets | 73.2208% | 5,589 |
| Equity capital to assets | 14.1380% | 977 |
| Core capital (leverage) ratio | 13.5205% | 969 |
| Tier 1 risk-based capital ratio | 32.3535% | 405 |
| Total risk-based capital ratio | 33.6076% | 392 |
| Memoranda: | ||
| Average total assets | $61,666,000 | 5,208 |
| Average earning assets | $59,129,000 | 5,136 |
| Average equity | $8,395,670 | 4,943 |
| Average total loans | $23,559,000 | 5,517 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8371% | 3,819 |
| Cost of funding earning assets | 0.6989% | 809 |
| Net interest margin | 3.1382% | 4,756 |
| Noninterest income to average assets | 0.7854% | 1,677 |
| Noninterest expense to average assets | 2.2210% | 4,856 |
| Loan and lease loss provision to assets | 0.1416% | 1,486 |
| Net operating income to assets | 1.1199% | 1,832 |
| Return on assets (ROA) | 1.2103% | 1,620 |
| Pretax return on assets | 1.5450% | 1,456 |
| Return on Equity (ROE) | 9.0597% | 2,400 |
| Retained earnings to average equity (ytd only) | 9.0597% | 1,101 |
| Net charge-offs to loans | -0.0169% | 4,777 |
| Credit loss provision to net charge-offs | -2,200.0000% | 4,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7063% | 5,128 |
| Assets per employee ($millions) | 5.2093% | 2,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6520% | 1,478 |
| Loan loss allowance to noncurrent loans | 615.8730% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 5,172 |
| Noncurrent loans to loans | 0.2682% | 4,475 |
| Net loans and leases to total assets | 36.9513% | 5,598 |
| Net loans and leases to deposits | 49.7802% | 5,354 |
| Net loans and leases to core deposits | 52.6317% | 5,323 |
| Total domestic deposits to total assets | 74.2289% | 5,598 |
| Equity capital to assets | 13.5590% | 1,156 |
| Core capital (leverage) ratio | 13.0282% | 1,148 |
| Tier 1 risk-based capital ratio | 30.9227% | 468 |
| Total risk-based capital ratio | 32.1772% | 461 |
| Memoranda: | ||
| Average total assets | $62,134,000 | 5,242 |
| Average earning assets | $59,524,500 | 5,171 |
| Average equity | $8,300,500 | 4,996 |
| Average total loans | $23,706,000 | 5,562 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7827% | 4,097 |
| Cost of funding earning assets | 0.7266% | 710 |
| Net interest margin | 3.0561% | 5,012 |
| Noninterest income to average assets | 0.3993% | 4,042 |
| Noninterest expense to average assets | 2.4022% | 4,509 |
| Loan and lease loss provision to assets | 0.1052% | 2,224 |
| Net operating income to assets | 0.6910% | 3,861 |
| Return on assets (ROA) | 0.7398% | 3,718 |
| Pretax return on assets | 0.8869% | 3,898 |
| Return on Equity (ROE) | 5.9641% | 4,051 |
| Retained earnings to average equity (ytd only) | 2.8448% | 4,047 |
| Net charge-offs to loans | 0.0259% | 3,715 |
| Credit loss provision to net charge-offs | 971.4286% | 354 |
| Earnings coverage of net charge-offs (x) | 86.1429% | 655 |
| Efficiency ratio | 69.7448% | 3,263 |
| Assets per employee ($millions) | 5.1463% | 2,182 |
| Cash dividends to net income (ytd only)* | 52.3013% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5298% | 1,862 |
| Loan loss allowance to noncurrent loans | 223.1707% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.2785% | 4,472 |
| Noncurrent loans to loans | 0.6855% | 3,141 |
| Net loans and leases to total assets | 38.1485% | 5,615 |
| Net loans and leases to deposits | 51.2654% | 5,321 |
| Net loans and leases to core deposits | 54.2247% | 5,301 |
| Total domestic deposits to total assets | 74.4138% | 5,608 |
| Equity capital to assets | 13.1566% | 1,277 |
| Core capital (leverage) ratio | 12.7937% | 1,230 |
| Tier 1 risk-based capital ratio | 28.8094% | 561 |
| Total risk-based capital ratio | 30.0594% | 549 |
| Memoranda: | ||
| Average total assets | $64,608,200 | 5,209 |
| Average earning assets | $62,072,800 | 5,126 |
| Average equity | $8,014,600 | 5,062 |
| Average total loans | $27,048,400 | 5,481 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8295% | 4,002 |
| Cost of funding earning assets | 0.7306% | 711 |
| Net interest margin | 3.0988% | 4,971 |
| Noninterest income to average assets | 0.4613% | 3,623 |
| Noninterest expense to average assets | 2.3677% | 4,599 |
| Loan and lease loss provision to assets | 0.1388% | 1,602 |
| Net operating income to assets | 0.7537% | 3,664 |
| Return on assets (ROA) | 0.8083% | 3,496 |
| Pretax return on assets | 1.0002% | 3,615 |
| Return on Equity (ROE) | 6.6106% | 3,828 |
| Retained earnings to average equity (ytd only) | 2.4372% | 4,656 |
| Net charge-offs to loans | 0.0383% | 3,129 |
| Credit loss provision to net charge-offs | 850.0000% | 423 |
| Earnings coverage of net charge-offs (x) | 65.6026% | 852 |
| Efficiency ratio | 66.6469% | 3,775 |
| Assets per employee ($millions) | 4.7375% | 2,641 |
| Cash dividends to net income (ytd only)* | 63.1319% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3731% | 2,727 |
| Loan loss allowance to noncurrent loans | 202.7778% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.2923% | 4,597 |
| Noncurrent loans to loans | 0.6771% | 3,292 |
| Net loans and leases to total assets | 42.5700% | 5,457 |
| Net loans and leases to deposits | 57.2746% | 5,056 |
| Net loans and leases to core deposits | 60.9551% | 5,007 |
| Total domestic deposits to total assets | 74.3262% | 5,687 |
| Equity capital to assets | 13.0853% | 1,409 |
| Core capital (leverage) ratio | 12.5607% | 1,378 |
| Tier 1 risk-based capital ratio | 26.3037% | 742 |
| Total risk-based capital ratio | 27.5318% | 728 |
| Memoranda: | ||
| Average total assets | $65,321,250 | 5,257 |
| Average earning assets | $62,775,000 | 5,177 |
| Average equity | $7,987,000 | 5,126 |
| Average total loans | $27,829,250 | 5,514 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9103% | 3,646 |
| Cost of funding earning assets | 0.7220% | 750 |
| Net interest margin | 3.1882% | 4,697 |
| Noninterest income to average assets | 0.4897% | 3,448 |
| Noninterest expense to average assets | 2.3946% | 4,565 |
| Loan and lease loss provision to assets | 0.2043% | 956 |
| Net operating income to assets | 0.7743% | 3,514 |
| Return on assets (ROA) | 0.8473% | 3,242 |
| Pretax return on assets | 1.0456% | 3,391 |
| Return on Equity (ROE) | 7.0828% | 3,560 |
| Retained earnings to average equity (ytd only) | 0.8037% | 5,237 |
| Net charge-offs to loans | 0.0637% | 2,471 |
| Credit loss provision to net charge-offs | 755.5556% | 451 |
| Earnings coverage of net charge-offs (x) | 42.8889% | 1,076 |
| Efficiency ratio | 65.3423% | 4,121 |
| Assets per employee ($millions) | 4.8131% | 2,518 |
| Cash dividends to net income (ytd only)* | 88.6525% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3255% | 3,107 |
| Loan loss allowance to noncurrent loans | 197.8261% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.3180% | 4,604 |
| Noncurrent loans to loans | 0.6700% | 3,472 |
| Net loans and leases to total assets | 43.3083% | 5,418 |
| Net loans and leases to deposits | 57.5671% | 5,023 |
| Net loans and leases to core deposits | 61.1514% | 4,996 |
| Total domestic deposits to total assets | 75.2309% | 5,680 |
| Equity capital to assets | 12.4916% | 1,661 |
| Core capital (leverage) ratio | 12.0190% | 1,653 |
| Tier 1 risk-based capital ratio | 26.1657% | 766 |
| Total risk-based capital ratio | 27.4028% | 754 |
| Memoranda: | ||
| Average total assets | $66,565,670 | 5,289 |
| Average earning assets | $63,985,000 | 5,199 |
| Average equity | $7,963,000 | 5,175 |
| Average total loans | $28,244,670 | 5,546 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8141% | 3,954 |
| Cost of funding earning assets | 0.7106% | 816 |
| Net interest margin | 3.1035% | 4,937 |
| Noninterest income to average assets | 0.6301% | 2,499 |
| Noninterest expense to average assets | 2.3044% | 4,870 |
| Loan and lease loss provision to assets | 0.3092% | 453 |
| Net operating income to assets | 0.8175% | 3,171 |
| Return on assets (ROA) | 0.9801% | 2,474 |
| Pretax return on assets | 1.1960% | 2,687 |
| Return on Equity (ROE) | 8.3618% | 2,775 |
| Retained earnings to average equity (ytd only) | 8.3618% | 1,429 |
| Net charge-offs to loans | 0.1257% | 1,504 |
| Credit loss provision to net charge-offs | 588.8889% | 480 |
| Earnings coverage of net charge-offs (x) | 24.8889% | 1,284 |
| Efficiency ratio | 61.8740% | 4,818 |
| Assets per employee ($millions) | 5.1284% | 2,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2571% | 3,648 |
| Loan loss allowance to noncurrent loans | 182.7225% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 4,584 |
| Noncurrent loans to loans | 0.6880% | 3,555 |
| Net loans and leases to total assets | 41.1196% | 5,541 |
| Net loans and leases to deposits | 54.1052% | 5,184 |
| Net loans and leases to core deposits | 57.2186% | 5,173 |
| Total domestic deposits to total assets | 75.9993% | 5,738 |
| Equity capital to assets | 12.2426% | 1,860 |
| Core capital (leverage) ratio | 11.5186% | 1,994 |
| Tier 1 risk-based capital ratio | 26.1122% | 777 |
| Total risk-based capital ratio | 27.2761% | 767 |
| Memoranda: | ||
| Average total assets | $68,563,500 | 5,297 |
| Average earning assets | $65,861,500 | 5,203 |
| Average equity | $8,036,500 | 5,204 |
| Average total loans | $28,636,000 | 5,571 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8332% | 4,379 |
| Cost of funding earning assets | 0.7908% | 679 |
| Net interest margin | 3.0424% | 5,343 |
| Noninterest income to average assets | 0.3045% | 4,936 |
| Noninterest expense to average assets | 2.3233% | 5,049 |
| Loan and lease loss provision to assets | 0.5161% | 291 |
| Net operating income to assets | 0.3737% | 5,311 |
| Return on assets (ROA) | 0.3903% | 5,319 |
| Pretax return on assets | 0.4032% | 5,480 |
| Return on Equity (ROE) | 3.5301% | 5,284 |
| Retained earnings to average equity (ytd only) | 0.4914% | 5,554 |
| Net charge-offs to loans | 1.7811% | 122 |
| Credit loss provision to net charge-offs | 67.8571% | 3,118 |
| Earnings coverage of net charge-offs (x) | 1.1861% | 4,480 |
| Efficiency ratio | 69.6365% | 3,597 |
| Assets per employee ($millions) | 5.4198% | 1,839 |
| Cash dividends to net income (ytd only)* | 86.0806% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 4,885 |
| Loan loss allowance to noncurrent loans | 123.4818% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.3775% | 4,564 |
| Noncurrent loans to loans | 0.8370% | 3,220 |
| Net loans and leases to total assets | 41.4488% | 5,661 |
| Net loans and leases to deposits | 56.8736% | 5,131 |
| Net loans and leases to core deposits | 60.0905% | 5,136 |
| Total domestic deposits to total assets | 72.8789% | 6,026 |
| Equity capital to assets | 11.2280% | 2,667 |
| Core capital (leverage) ratio | 10.9197% | 2,478 |
| Tier 1 risk-based capital ratio | 23.2131% | 1,049 |
| Total risk-based capital ratio | 24.1556% | 1,074 |
| Memoranda: | ||
| Average total assets | $69,944,800 | 5,291 |
| Average earning assets | $67,150,000 | 5,194 |
| Average equity | $7,733,600 | 5,258 |
| Average total loans | $29,869,400 | 5,567 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9128% | 4,125 |
| Cost of funding earning assets | 0.8096% | 652 |
| Net interest margin | 3.1032% | 5,249 |
| Noninterest income to average assets | 0.3189% | 4,882 |
| Noninterest expense to average assets | 2.2974% | 5,116 |
| Loan and lease loss provision to assets | 0.6894% | 189 |
| Net operating income to assets | 0.3170% | 5,534 |
| Return on assets (ROA) | 0.3399% | 5,533 |
| Pretax return on assets | 0.3342% | 5,707 |
| Return on Equity (ROE) | 3.0865% | 5,508 |
| Retained earnings to average equity (ytd only) | -0.9884% | 5,963 |
| Net charge-offs to loans | 2.3631% | 69 |
| Credit loss provision to net charge-offs | 67.9849% | 2,805 |
| Earnings coverage of net charge-offs (x) | 0.9868% | 4,265 |
| Efficiency ratio | 67.3422% | 3,981 |
| Assets per employee ($millions) | 5.2235% | 1,991 |
| Cash dividends to net income (ytd only)* | 132.0229% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 4,803 |
| Loan loss allowance to noncurrent loans | 88.4393% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 0.5095% | 4,354 |
| Noncurrent loans to loans | 1.2311% | 2,583 |
| Net loans and leases to total assets | 40.9375% | 5,756 |
| Net loans and leases to deposits | 53.0971% | 5,455 |
| Net loans and leases to core deposits | 56.7222% | 5,406 |
| Total domestic deposits to total assets | 77.0992% | 5,660 |
| Equity capital to assets | 11.4011% | 2,583 |
| Core capital (leverage) ratio | 10.7340% | 2,783 |
| Tier 1 risk-based capital ratio | 24.6291% | 911 |
| Total risk-based capital ratio | 25.6470% | 923 |
| Memoranda: | ||
| Average total assets | $69,816,500 | 5,347 |
| Average earning assets | $67,026,750 | 5,251 |
| Average equity | $7,689,250 | 5,316 |
| Average total loans | $29,959,500 | 5,620 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9476% | 3,941 |
| Cost of funding earning assets | 0.8233% | 637 |
| Net interest margin | 3.1243% | 5,176 |
| Noninterest income to average assets | 0.3378% | 4,724 |
| Noninterest expense to average assets | 2.3051% | 5,133 |
| Loan and lease loss provision to assets | 0.8970% | 129 |
| Net operating income to assets | 0.1874% | 5,872 |
| Return on assets (ROA) | 0.2271% | 5,831 |
| Pretax return on assets | 0.1703% | 5,989 |
| Return on Equity (ROE) | 2.0856% | 5,820 |
| Retained earnings to average equity (ytd only) | 2.0856% | 4,857 |
| Net charge-offs to loans | 3.5385% | 36 |
| Credit loss provision to net charge-offs | 58.4104% | 2,667 |
| Earnings coverage of net charge-offs (x) | 0.6691% | 4,001 |
| Efficiency ratio | 66.8654% | 4,223 |
| Assets per employee ($millions) | 5.8078% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8772% | 5,789 |
| Loan loss allowance to noncurrent loans | 92.9630% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 0.3874% | 4,854 |
| Noncurrent loans to loans | 0.9436% | 3,357 |
| Net loans and leases to total assets | 40.6956% | 5,768 |
| Net loans and leases to deposits | 52.5699% | 5,457 |
| Net loans and leases to core deposits | 56.0658% | 5,408 |
| Total domestic deposits to total assets | 77.4124% | 5,736 |
| Equity capital to assets | 11.3326% | 2,575 |
| Core capital (leverage) ratio | 10.7721% | 2,652 |
| Tier 1 risk-based capital ratio | 24.6771% | 907 |
| Total risk-based capital ratio | 25.4999% | 937 |
| Memoranda: | ||
| Average total assets | $70,453,330 | 5,376 |
| Average earning assets | $67,535,000 | 5,282 |
| Average equity | $7,671,670 | 5,352 |
| Average total loans | $30,577,670 | 5,643 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8857% | 4,141 |
| Cost of funding earning assets | 0.8255% | 648 |
| Net interest margin | 3.0602% | 5,360 |
| Noninterest income to average assets | 0.3840% | 4,320 |
| Noninterest expense to average assets | 2.3605% | 5,033 |
| Loan and lease loss provision to assets | 0.4235% | 394 |
| Net operating income to assets | 0.4879% | 4,744 |
| Return on assets (ROA) | 0.5139% | 4,694 |
| Pretax return on assets | 0.5591% | 4,985 |
| Return on Equity (ROE) | 4.8158% | 4,629 |
| Retained earnings to average equity (ytd only) | 4.8158% | 3,219 |
| Net charge-offs to loans | 0.7098% | 501 |
| Credit loss provision to net charge-offs | 133.9286% | 1,354 |
| Earnings coverage of net charge-offs (x) | 3.0179% | 2,745 |
| Efficiency ratio | 68.8245% | 4,042 |
| Assets per employee ($millions) | 5.0887% | 2,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 2,696 |
| Loan loss allowance to noncurrent loans | 65.3897% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 1.1047% | 3,046 |
| Noncurrent loans to loans | 2.4494% | 1,423 |
| Net loans and leases to total assets | 42.6869% | 5,611 |
| Net loans and leases to deposits | 54.5127% | 5,234 |
| Net loans and leases to core deposits | 58.6202% | 5,152 |
| Total domestic deposits to total assets | 78.3063% | 5,785 |
| Equity capital to assets | 10.7731% | 2,957 |
| Core capital (leverage) ratio | 10.5721% | 2,845 |
| Tier 1 risk-based capital ratio | 23.3283% | 1,096 |
| Total risk-based capital ratio | 24.5807% | 1,079 |
| Memoranda: | ||
| Average total assets | $70,833,500 | 5,413 |
| Average earning assets | $67,839,000 | 5,322 |
| Average equity | $7,558,500 | 5,408 |
| Average total loans | $31,560,000 | 5,648 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0113% | 4,054 |
| Cost of funding earning assets | 0.8950% | 760 |
| Net interest margin | 3.1163% | 5,266 |
| Noninterest income to average assets | 0.3407% | 4,877 |
| Noninterest expense to average assets | 2.7771% | 3,806 |
| Loan and lease loss provision to assets | 0.3449% | 925 |
| Net operating income to assets | 0.2145% | 5,786 |
| Return on assets (ROA) | 0.2229% | 5,828 |
| Pretax return on assets | 0.1949% | 5,948 |
| Return on Equity (ROE) | 2.1019% | 5,806 |
| Retained earnings to average equity (ytd only) | 2.1019% | 4,742 |
| Net charge-offs to loans | -0.1148% | 6,507 |
| Credit loss provision to net charge-offs | -664.8649% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3983% | 1,961 |
| Assets per employee ($millions) | 4.4016% | 3,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4776% | 3,297 |
| Loan loss allowance to noncurrent loans | 56.0660% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 1.2623% | 2,892 |
| Noncurrent loans to loans | 2.6355% | 1,410 |
| Net loans and leases to total assets | 45.0664% | 5,577 |
| Net loans and leases to deposits | 58.2637% | 5,102 |
| Net loans and leases to core deposits | 63.1891% | 4,950 |
| Total domestic deposits to total assets | 77.3490% | 5,926 |
| Equity capital to assets | 10.5673% | 3,081 |
| Core capital (leverage) ratio | 10.0592% | 3,487 |
| Tier 1 risk-based capital ratio | 22.2352% | 1,221 |
| Total risk-based capital ratio | 23.4876% | 1,197 |
| Memoranda: | ||
| Average total assets | $71,332,200 | 5,434 |
| Average earning assets | $67,933,800 | 5,349 |
| Average equity | $7,564,600 | 5,446 |
| Average total loans | $32,232,200 | 5,656 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9826% | 4,203 |
| Cost of funding earning assets | 0.8987% | 819 |
| Net interest margin | 3.0839% | 5,364 |
| Noninterest income to average assets | 0.3708% | 4,745 |
| Noninterest expense to average assets | 2.7427% | 3,857 |
| Loan and lease loss provision to assets | 0.4118% | 722 |
| Net operating income to assets | 0.1938% | 5,928 |
| Return on assets (ROA) | 0.2049% | 5,988 |
| Pretax return on assets | 0.1621% | 6,111 |
| Return on Equity (ROE) | 1.9309% | 5,963 |
| Retained earnings to average equity (ytd only) | 1.9309% | 5,165 |
| Net charge-offs to loans | -0.1489% | 6,591 |
| Credit loss provision to net charge-offs | -613.8889% | 6,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4397% | 2,036 |
| Assets per employee ($millions) | 4.5511% | 2,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 4,043 |
| Loan loss allowance to noncurrent loans | 49.0196% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 1.3266% | 2,986 |
| Noncurrent loans to loans | 2.7886% | 1,501 |
| Net loans and leases to total assets | 44.5906% | 5,674 |
| Net loans and leases to deposits | 56.4568% | 5,335 |
| Net loans and leases to core deposits | 61.2457% | 5,187 |
| Total domestic deposits to total assets | 78.9818% | 5,746 |
| Equity capital to assets | 10.2118% | 3,625 |
| Core capital (leverage) ratio | 10.3448% | 3,176 |
| Tier 1 risk-based capital ratio | 21.5119% | 1,396 |
| Total risk-based capital ratio | 22.7636% | 1,368 |
| Memoranda: | ||
| Average total assets | $71,559,000 | 5,488 |
| Average earning assets | $68,095,000 | 5,403 |
| Average equity | $7,595,250 | 5,495 |
| Average total loans | $32,236,750 | 5,711 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7928% | 4,851 |
| Cost of funding earning assets | 0.9127% | 841 |
| Net interest margin | 2.8800% | 5,828 |
| Noninterest income to average assets | 0.3852% | 4,627 |
| Noninterest expense to average assets | 2.8142% | 3,623 |
| Loan and lease loss provision to assets | 0.2109% | 1,799 |
| Net operating income to assets | 0.1518% | 6,020 |
| Return on assets (ROA) | 0.1687% | 6,095 |
| Pretax return on assets | 0.1181% | 6,204 |
| Return on Equity (ROE) | 1.5690% | 6,081 |
| Retained earnings to average equity (ytd only) | 1.5690% | 5,244 |
| Net charge-offs to loans | -0.2187% | 6,690 |
| Credit loss provision to net charge-offs | -214.2857% | 5,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3201% | 1,295 |
| Assets per employee ($millions) | 4.3911% | 3,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9028% | 6,126 |
| Loan loss allowance to noncurrent loans | 65.4428% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 0.7017% | 4,468 |
| Noncurrent loans to loans | 1.3795% | 3,240 |
| Net loans and leases to total assets | 47.3398% | 5,391 |
| Net loans and leases to deposits | 58.8350% | 5,087 |
| Net loans and leases to core deposits | 63.8510% | 4,909 |
| Total domestic deposits to total assets | 80.4620% | 5,489 |
| Equity capital to assets | 10.4244% | 3,394 |
| Core capital (leverage) ratio | 10.1943% | 3,240 |
| Tier 1 risk-based capital ratio | 20.9950% | 1,496 |
| Total risk-based capital ratio | 21.8674% | 1,552 |
| Memoranda: | ||
| Average total assets | $71,139,330 | 5,536 |
| Average earning assets | $67,708,000 | 5,452 |
| Average equity | $7,648,330 | 5,527 |
| Average total loans | $32,009,000 | 5,754 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5250% | 5,645 |
| Cost of funding earning assets | 0.9150% | 916 |
| Net interest margin | 2.6100% | 6,356 |
| Noninterest income to average assets | 0.4918% | 3,826 |
| Noninterest expense to average assets | 2.6208% | 4,332 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3576% | 5,317 |
| Return on assets (ROA) | 0.3018% | 5,686 |
| Pretax return on assets | 0.3018% | 5,845 |
| Return on Equity (ROE) | 2.7655% | 5,679 |
| Retained earnings to average equity (ytd only) | 2.7655% | 4,627 |
| Net charge-offs to loans | -0.4355% | 6,834 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1782% | 1,626 |
| Assets per employee ($millions) | 4.2360% | 3,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7016% | 6,600 |
| Loan loss allowance to noncurrent loans | 43.4866% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 0.7665% | 4,459 |
| Noncurrent loans to loans | 1.6134% | 3,120 |
| Net loans and leases to total assets | 44.6148% | 5,598 |
| Net loans and leases to deposits | 56.0444% | 5,235 |
| Net loans and leases to core deposits | 60.7415% | 5,073 |
| Total domestic deposits to total assets | 79.6062% | 5,841 |
| Equity capital to assets | 10.8357% | 3,162 |
| Core capital (leverage) ratio | 10.2042% | 3,142 |
| Tier 1 risk-based capital ratio | 21.2170% | 1,486 |
| Total risk-based capital ratio | 21.8795% | 1,598 |
| Memoranda: | ||
| Average total assets | $71,580,000 | 5,577 |
| Average earning assets | $68,198,500 | 5,487 |
| Average equity | $7,810,500 | 5,536 |
| Average total loans | $31,232,000 | 5,834 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1927% | 4,619 |
| Cost of funding earning assets | 1.0432% | 1,152 |
| Net interest margin | 3.1495% | 5,694 |
| Noninterest income to average assets | 0.6578% | 2,951 |
| Noninterest expense to average assets | 3.1157% | 2,880 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3570% | 5,266 |
| Return on assets (ROA) | 0.4207% | 5,267 |
| Pretax return on assets | 0.6014% | 4,991 |
| Return on Equity (ROE) | 3.7641% | 5,245 |
| Retained earnings to average equity (ytd only) | 3.7641% | 3,562 |
| Net charge-offs to loans | 0.1532% | 4,166 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 7.6739% | 2,554 |
| Efficiency ratio | 83.2935% | 1,708 |
| Assets per employee ($millions) | 4.1852% | 3,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6410% | 6,711 |
| Loan loss allowance to noncurrent loans | 33.5069% | 5,920 |
| Noncurrent assets plus other real estate owned to assets | 1.2453% | 3,567 |
| Noncurrent loans to loans | 1.9130% | 2,790 |
| Net loans and leases to total assets | 42.0476% | 6,001 |
| Net loans and leases to deposits | 53.3262% | 5,712 |
| Net loans and leases to core deposits | 58.4445% | 5,505 |
| Total domestic deposits to total assets | 78.8497% | 5,920 |
| Equity capital to assets | 10.9884% | 2,965 |
| Core capital (leverage) ratio | 10.4200% | 2,859 |
| Tier 1 risk-based capital ratio | 21.5564% | 1,345 |
| Total risk-based capital ratio | 22.1341% | 1,459 |
| Memoranda: | ||
| Average total assets | $69,166,800 | 5,649 |
| Average earning assets | $65,184,200 | 5,580 |
| Average equity | $7,731,000 | 5,579 |
| Average total loans | $30,028,800 | 5,946 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1600% | 4,951 |
| Cost of funding earning assets | 1.0642% | 1,218 |
| Net interest margin | 3.0958% | 5,950 |
| Noninterest income to average assets | 0.8756% | 1,925 |
| Noninterest expense to average assets | 3.1434% | 2,741 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5203% | 4,759 |
| Return on assets (ROA) | 0.5203% | 5,021 |
| Pretax return on assets | 0.6465% | 5,023 |
| Return on Equity (ROE) | 4.6350% | 4,991 |
| Retained earnings to average equity (ytd only) | 4.6350% | 3,633 |
| Net charge-offs to loans | 0.2044% | 3,508 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 7.2394% | 2,631 |
| Efficiency ratio | 80.4303% | 2,029 |
| Assets per employee ($millions) | 3.9890% | 3,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6892% | 6,761 |
| Loan loss allowance to noncurrent loans | 33.7413% | 5,948 |
| Noncurrent assets plus other real estate owned to assets | 1.3006% | 3,694 |
| Noncurrent loans to loans | 2.0425% | 2,804 |
| Net loans and leases to total assets | 41.0128% | 6,200 |
| Net loans and leases to deposits | 52.9985% | 5,890 |
| Net loans and leases to core deposits | 57.1264% | 5,800 |
| Total domestic deposits to total assets | 77.3849% | 6,179 |
| Equity capital to assets | 11.5774% | 2,671 |
| Core capital (leverage) ratio | 10.4182% | 3,013 |
| Tier 1 risk-based capital ratio | 18.2692% | 2,247 |
| Total risk-based capital ratio | 18.7615% | 2,502 |
| Memoranda: | ||
| Average total assets | $68,671,500 | 5,720 |
| Average earning assets | $64,645,500 | 5,653 |
| Average equity | $7,709,250 | 5,640 |
| Average total loans | $30,008,750 | 6,020 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2050% | 4,934 |
| Cost of funding earning assets | 1.0814% | 1,306 |
| Net interest margin | 3.1236% | 5,936 |
| Noninterest income to average assets | 0.9571% | 1,590 |
| Noninterest expense to average assets | 3.1875% | 2,634 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5830% | 4,438 |
| Return on assets (ROA) | 0.5830% | 4,703 |
| Pretax return on assets | 0.7019% | 4,827 |
| Return on Equity (ROE) | 5.2467% | 4,682 |
| Retained earnings to average equity (ytd only) | 5.2467% | 3,126 |
| Net charge-offs to loans | 0.3064% | 2,805 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 5.1489% | 2,896 |
| Efficiency ratio | 79.4929% | 2,266 |
| Assets per employee ($millions) | 4.1182% | 3,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6492% | 6,884 |
| Loan loss allowance to noncurrent loans | 30.0469% | 6,154 |
| Noncurrent assets plus other real estate owned to assets | 1.4898% | 3,466 |
| Noncurrent loans to loans | 2.1607% | 2,754 |
| Net loans and leases to total assets | 41.9689% | 6,189 |
| Net loans and leases to deposits | 53.8290% | 5,884 |
| Net loans and leases to core deposits | 57.2258% | 5,843 |
| Total domestic deposits to total assets | 77.9671% | 6,158 |
| Equity capital to assets | 10.8686% | 3,266 |
| Core capital (leverage) ratio | 10.3310% | 3,011 |
| Tier 1 risk-based capital ratio | 19.9447% | 1,712 |
| Total risk-based capital ratio | 20.4805% | 1,884 |
| Memoranda: | ||
| Average total assets | $68,957,670 | 5,761 |
| Average earning assets | $64,732,330 | 5,682 |
| Average equity | $7,662,000 | 5,666 |
| Average total loans | $30,676,670 | 6,029 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1373% | 5,334 |
| Cost of funding earning assets | 1.1062% | 1,377 |
| Net interest margin | 3.0311% | 6,227 |
| Noninterest income to average assets | 0.8066% | 2,136 |
| Noninterest expense to average assets | 3.2383% | 2,479 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3799% | 5,350 |
| Return on assets (ROA) | 0.3799% | 5,535 |
| Pretax return on assets | 0.4033% | 5,714 |
| Return on Equity (ROE) | 3.3817% | 5,555 |
| Retained earnings to average equity (ytd only) | 3.3817% | 4,538 |
| Net charge-offs to loans | 0.6405% | 1,524 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.3800% | 3,636 |
| Efficiency ratio | 86.1958% | 1,461 |
| Assets per employee ($millions) | 3.8455% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7614% | 3,118 |
| Loan loss allowance to noncurrent loans | 55.5670% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 2.1266% | 2,750 |
| Noncurrent loans to loans | 3.1698% | 2,027 |
| Net loans and leases to total assets | 43.4303% | 6,061 |
| Net loans and leases to deposits | 56.3952% | 5,559 |
| Net loans and leases to core deposits | 57.1434% | 5,803 |
| Total domestic deposits to total assets | 77.0106% | 6,403 |
| Equity capital to assets | 11.1992% | 2,712 |
| Core capital (leverage) ratio | 10.6379% | 2,608 |
| Tier 1 risk-based capital ratio | 17.3779% | 2,525 |
| Total risk-based capital ratio | 18.6275% | 2,491 |
| Memoranda: | ||
| Average total assets | $68,432,000 | 5,810 |
| Average earning assets | $64,002,500 | 5,758 |
| Average equity | $7,688,500 | 5,687 |
| Average total loans | $31,228,000 | 6,050 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9686% | 7,290 |
| Cost of funding earning assets | 0.6547% | 5,798 |
| Net interest margin | 1.3138% | 7,300 |
| Noninterest income to average assets | 2.6675% | 245 |
| Noninterest expense to average assets | 1.6405% | 7,088 |
| Loan and lease loss provision to assets | 0.8162% | 1,192 |
| Net operating income to assets | 0.7032% | 3,474 |
| Return on assets (ROA) | 0.8747% | 2,854 |
| Pretax return on assets | 1.6854% | 1,022 |
| Return on Equity (ROE) | 10.9506% | 1,710 |
| Retained earnings to average equity (ytd only) | 10.9506% | 411 |
| Net charge-offs to loans | 0.0289% | 6,033 |
| Credit loss provision to net charge-offs | 5,454.5455% | 47 |
| Earnings coverage of net charge-offs (x) | 149.2727% | 223 |
| Efficiency ratio | 42.3455% | 7,162 |
| Assets per employee ($millions) | 3.7581% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8490% | 2,715 |
| Loan loss allowance to noncurrent loans | 45.3077% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 3.0098% | 2,001 |
| Noncurrent loans to loans | 4.0810% | 1,527 |
| Net loans and leases to total assets | 46.2207% | 5,995 |
| Net loans and leases to deposits | 60.6236% | 5,423 |
| Net loans and leases to core deposits | 62.6347% | 5,584 |
| Total domestic deposits to total assets | 76.2421% | 6,446 |
| Equity capital to assets | 11.2721% | 2,719 |
| Core capital (leverage) ratio | 10.3946% | 2,850 |
| Tier 1 risk-based capital ratio | 21.3059% | 1,360 |
| Total risk-based capital ratio | 21.3059% | 1,597 |
| Memoranda: | ||
| Average total assets | $73,513,800 | 5,660 |
| Average earning assets | $67,511,600 | 5,631 |
| Average equity | $5,871,800 | 6,192 |
| Average total loans | $38,102,600 | 5,780 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4007% | 7,394 |
| Cost of funding earning assets | 0.4734% | 6,799 |
| Net interest margin | 0.9273% | 7,399 |
| Noninterest income to average assets | 3.1438% | 201 |
| Noninterest expense to average assets | 1.1007% | 7,361 |
| Loan and lease loss provision to assets | 0.4446% | 2,250 |
| Net operating income to assets | 1.7577% | 557 |
| Return on assets (ROA) | 1.7462% | 626 |
| Pretax return on assets | 2.4325% | 277 |
| Return on Equity (ROE) | 24.0968% | 161 |
| Retained earnings to average equity (ytd only) | 24.0968% | 43 |
| Net charge-offs to loans | 0.0269% | 5,770 |
| Credit loss provision to net charge-offs | 3,125.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 203.3065% | 195 |
| Efficiency ratio | 27.5601% | 7,375 |
| Assets per employee ($millions) | 4.0732% | 3,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7266% | 6,931 |
| Loan loss allowance to noncurrent loans | 17.2734% | 6,764 |
| Noncurrent assets plus other real estate owned to assets | 2.7674% | 2,350 |
| Noncurrent loans to loans | 4.2066% | 1,560 |
| Net loans and leases to total assets | 45.0953% | 6,231 |
| Net loans and leases to deposits | 61.0492% | 5,512 |
| Net loans and leases to core deposits | 64.5018% | 5,563 |
| Total domestic deposits to total assets | 73.8673% | 6,775 |
| Equity capital to assets | 11.1664% | 2,990 |
| Core capital (leverage) ratio | 10.2126% | 3,178 |
| Tier 1 risk-based capital ratio | 22.1960% | 1,254 |
| Total risk-based capital ratio | 22.9183% | 1,313 |
| Memoranda: | ||
| Average total assets | $74,981,000 | 5,648 |
| Average earning assets | $68,725,500 | 5,628 |
| Average equity | $5,433,500 | 6,361 |
| Average total loans | $39,664,500 | 5,760 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 7,511 |
| Cost of funding earning assets | 0.0000% | 7,493 |
| Net interest margin | 0.0000% | 7,508 |
| Noninterest income to average assets | 5.3114% | 126 |
| Noninterest expense to average assets | 0.0000% | 7,510 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 3.7704% | 70 |
| Return on assets (ROA) | 3.7704% | 72 |
| Pretax return on assets | 5.3114% | 67 |
| Return on Equity (ROE) | 63.0693% | 14 |
| Retained earnings to average equity (ytd only) | 63.0693% | 8 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.0000% | 7,503 |
| Assets per employee ($millions) | 4.3679% | 3,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,447 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,014 |
| Noncurrent assets plus other real estate owned to assets | 2.9924% | 2,239 |
| Noncurrent loans to loans | 4.2128% | 1,615 |
| Net loans and leases to total assets | 45.7774% | 6,293 |
| Net loans and leases to deposits | 62.4142% | 5,454 |
| Net loans and leases to core deposits | 68.5157% | 5,236 |
| Total domestic deposits to total assets | 73.3446% | 6,899 |
| Equity capital to assets | 11.2127% | 2,753 |
| Core capital (leverage) ratio | 10.6641% | 2,556 |
| Tier 1 risk-based capital ratio | 20.6096% | 1,492 |
| Total risk-based capital ratio | 20.6096% | 1,720 |
| Memoranda: | ||
| Average total assets | $75,535,330 | 5,671 |
| Average earning assets | $68,786,670 | 5,669 |
| Average equity | $4,515,670 | 6,675 |
| Average total loans | $41,784,330 | 5,718 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0173% | 6,667 |
| Cost of funding earning assets | 1.7523% | 441 |
| Net interest margin | 2.2650% | 7,329 |
| Noninterest income to average assets | 2.2107% | 314 |
| Noninterest expense to average assets | 4.3374% | 698 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.0158% | 6,374 |
| Return on assets (ROA) | -0.0158% | 6,396 |
| Pretax return on assets | -0.0158% | 6,373 |
| Return on Equity (ROE) | -0.4597% | 6,429 |
| Retained earnings to average equity (ytd only) | -0.4597% | 5,879 |
| Net charge-offs to loans | 4.1943% | 209 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.0063% | 4,583 |
| Efficiency ratio | 100.3645% | 728 |
| Assets per employee ($millions) | 3.9113% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3987% | 85 |
| Loan loss allowance to noncurrent loans | 115.6746% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 4.9244% | 1,283 |
| Noncurrent loans to loans | 5.5316% | 1,183 |
| Net loans and leases to total assets | 48.4532% | 6,024 |
| Net loans and leases to deposits | 60.4669% | 5,675 |
| Net loans and leases to core deposits | 68.9932% | 5,171 |
| Total domestic deposits to total assets | 80.1318% | 5,907 |
| Equity capital to assets | 3.6930% | 7,457 |
| Core capital (leverage) ratio | 3.4316% | 7,464 |
| Tier 1 risk-based capital ratio | 6.6417% | 7,393 |
| Total risk-based capital ratio | 7.9532% | 7,393 |
| Memoranda: | ||
| Average total assets | $76,175,500 | 5,697 |
| Average earning assets | $70,992,500 | 5,631 |
| Average equity | $2,610,500 | 7,270 |
| Average total loans | $45,680,500 | 5,578 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5343% | 2,144 |
| Cost of funding earning assets | 2.1118% | 409 |
| Net interest margin | 3.4225% | 5,536 |
| Noninterest income to average assets | 0.0817% | 6,982 |
| Noninterest expense to average assets | 3.7771% | 1,531 |
| Loan and lease loss provision to assets | 2.1914% | 567 |
| Net operating income to assets | -2.5709% | 7,195 |
| Return on assets (ROA) | -2.5491% | 7,212 |
| Pretax return on assets | -2.6576% | 7,215 |
| Return on Equity (ROE) | -68.3405% | 7,513 |
| Retained earnings to average equity (ytd only) | -68.3405% | 7,512 |
| Net charge-offs to loans | 2.3468% | 819 |
| Credit loss provision to net charge-offs | 127.0983% | 3,178 |
| Earnings coverage of net charge-offs (x) | -0.2836% | 6,349 |
| Efficiency ratio | 114.8695% | 467 |
| Assets per employee ($millions) | 3.2779% | 5,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1187% | 178 |
| Loan loss allowance to noncurrent loans | 90.7946% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 4.9093% | 1,313 |
| Noncurrent loans to loans | 5.6377% | 1,153 |
| Net loans and leases to total assets | 63.5838% | 3,955 |
| Net loans and leases to deposits | 77.1183% | 3,653 |
| Net loans and leases to core deposits | 87.0870% | 3,173 |
| Total domestic deposits to total assets | 82.4496% | 5,039 |
| Equity capital to assets | 3.1984% | 7,550 |
| Core capital (leverage) ratio | 2.6468% | 7,578 |
| Tier 1 risk-based capital ratio | 4.7474% | 7,534 |
| Total risk-based capital ratio | 6.0470% | 7,538 |
| Memoranda: | ||
| Average total assets | $96,740,600 | 5,087 |
| Average earning assets | $90,635,000 | 4,997 |
| Average equity | $3,608,400 | 7,110 |
| Average total loans | $71,076,800 | 4,642 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4600% | 2,601 |
| Cost of funding earning assets | 2.1061% | 526 |
| Net interest margin | 3.3539% | 5,833 |
| Noninterest income to average assets | 0.0624% | 7,214 |
| Noninterest expense to average assets | 3.4156% | 2,246 |
| Loan and lease loss provision to assets | 2.8142% | 332 |
| Net operating income to assets | -2.9045% | 7,432 |
| Return on assets (ROA) | -2.9045% | 7,442 |
| Pretax return on assets | -3.0240% | 7,427 |
| Return on Equity (ROE) | -75.6698% | 7,651 |
| Retained earnings to average equity (ytd only) | -75.6698% | 7,650 |
| Net charge-offs to loans | 1.8779% | 1,020 |
| Credit loss provision to net charge-offs | 200.3781% | 1,779 |
| Earnings coverage of net charge-offs (x) | -0.1493% | 6,147 |
| Efficiency ratio | 106.5424% | 589 |
| Assets per employee ($millions) | 2.9880% | 6,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8515% | 197 |
| Loan loss allowance to noncurrent loans | 83.7249% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 4.8700% | 1,335 |
| Noncurrent loans to loans | 5.7946% | 1,119 |
| Net loans and leases to total assets | 68.0429% | 3,204 |
| Net loans and leases to deposits | 83.2326% | 2,856 |
| Net loans and leases to core deposits | 94.4373% | 2,467 |
| Total domestic deposits to total assets | 81.7502% | 5,097 |
| Equity capital to assets | 3.3670% | 7,675 |
| Core capital (leverage) ratio | 2.8617% | 7,687 |
| Tier 1 risk-based capital ratio | 4.3425% | 7,672 |
| Total risk-based capital ratio | 5.6419% | 7,675 |
| Memoranda: | ||
| Average total assets | $100,439,000 | 5,033 |
| Average earning assets | $94,136,500 | 4,947 |
| Average equity | $3,855,250 | 7,132 |
| Average total loans | $75,117,000 | 4,558 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5082% | 2,475 |
| Cost of funding earning assets | 2.1298% | 596 |
| Net interest margin | 3.3785% | 5,723 |
| Noninterest income to average assets | 0.0356% | 7,407 |
| Noninterest expense to average assets | 3.2459% | 2,740 |
| Loan and lease loss provision to assets | 4.0514% | 186 |
| Net operating income to assets | -3.9327% | 7,614 |
| Return on assets (ROA) | -3.9327% | 7,621 |
| Pretax return on assets | -4.0970% | 7,615 |
| Return on Equity (ROE) | -98.5207% | 7,735 |
| Retained earnings to average equity (ytd only) | -98.5207% | 7,734 |
| Net charge-offs to loans | 2.3535% | 742 |
| Credit loss provision to net charge-offs | 226.9401% | 1,708 |
| Earnings coverage of net charge-offs (x) | -0.0255% | 5,743 |
| Efficiency ratio | 101.4224% | 755 |
| Assets per employee ($millions) | 3.1269% | 5,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7883% | 205 |
| Loan loss allowance to noncurrent loans | 121.1691% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 3.6138% | 1,940 |
| Noncurrent loans to loans | 3.9517% | 1,934 |
| Net loans and leases to total assets | 69.6132% | 2,988 |
| Net loans and leases to deposits | 85.4317% | 2,612 |
| Net loans and leases to core deposits | 97.1059% | 2,320 |
| Total domestic deposits to total assets | 81.4841% | 5,204 |
| Equity capital to assets | 3.5299% | 7,724 |
| Core capital (leverage) ratio | 3.0829% | 7,736 |
| Tier 1 risk-based capital ratio | 4.6146% | 7,720 |
| Total risk-based capital ratio | 5.9285% | 7,720 |
| Memoranda: | ||
| Average total assets | $101,050,670 | 5,046 |
| Average earning assets | $94,658,670 | 4,971 |
| Average equity | $4,033,670 | 7,113 |
| Average total loans | $76,651,330 | 4,550 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5407% | 2,401 |
| Cost of funding earning assets | 2.1582% | 671 |
| Net interest margin | 3.3825% | 5,651 |
| Noninterest income to average assets | -0.1654% | 7,791 |
| Noninterest expense to average assets | 3.0843% | 3,328 |
| Loan and lease loss provision to assets | 8.0633% | 57 |
| Net operating income to assets | -7.8191% | 7,863 |
| Return on assets (ROA) | -7.8191% | 7,864 |
| Pretax return on assets | -8.1461% | 7,865 |
| Return on Equity (ROE) | -185.3192% | 7,883 |
| Retained earnings to average equity (ytd only) | -185.3192% | 7,882 |
| Net charge-offs to loans | 3.7246% | 372 |
| Credit loss provision to net charge-offs | 280.4110% | 1,414 |
| Earnings coverage of net charge-offs (x) | -0.0288% | 5,049 |
| Efficiency ratio | 102.7559% | 765 |
| Assets per employee ($millions) | 3.3546% | 5,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8086% | 200 |
| Loan loss allowance to noncurrent loans | 111.3636% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 3.9638% | 1,739 |
| Noncurrent loans to loans | 4.3180% | 1,756 |
| Net loans and leases to total assets | 72.2895% | 2,390 |
| Net loans and leases to deposits | 88.6190% | 2,111 |
| Net loans and leases to core deposits | 100.2384% | 2,105 |
| Total domestic deposits to total assets | 81.5734% | 5,243 |
| Equity capital to assets | 3.2473% | 7,837 |
| Core capital (leverage) ratio | 2.9623% | 7,843 |
| Tier 1 risk-based capital ratio | 4.4520% | 7,829 |
| Total risk-based capital ratio | 5.7526% | 7,831 |
| Memoranda: | ||
| Average total assets | $101,546,000 | 5,100 |
| Average earning assets | $95,078,500 | 5,015 |
| Average equity | $4,284,500 | 7,080 |
| Average total loans | $78,398,000 | 4,565 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0012% | 1,864 |
| Cost of funding earning assets | 2.3925% | 1,325 |
| Net interest margin | 3.6087% | 4,523 |
| Noninterest income to average assets | 0.2363% | 6,410 |
| Noninterest expense to average assets | 3.2401% | 3,231 |
| Loan and lease loss provision to assets | 1.7419% | 1,306 |
| Net operating income to assets | -1.2933% | 6,758 |
| Return on assets (ROA) | -1.1869% | 6,699 |
| Pretax return on assets | -1.2354% | 6,558 |
| Return on Equity (ROE) | -21.1959% | 7,178 |
| Retained earnings to average equity (ytd only) | -21.1959% | 7,150 |
| Net charge-offs to loans | 2.6007% | 871 |
| Credit loss provision to net charge-offs | 84.9866% | 6,162 |
| Earnings coverage of net charge-offs (x) | 0.1930% | 5,950 |
| Efficiency ratio | 89.1184% | 1,782 |
| Assets per employee ($millions) | 3.5329% | 4,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9351% | 817 |
| Loan loss allowance to noncurrent loans | 123.7021% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 2.7905% | 2,503 |
| Noncurrent loans to loans | 2.3727% | 3,200 |
| Net loans and leases to total assets | 76.1427% | 1,754 |
| Net loans and leases to deposits | 95.6768% | 1,367 |
| Net loans and leases to core deposits | 132.3898% | 1,148 |
| Total domestic deposits to total assets | 79.5832% | 5,819 |
| Equity capital to assets | 5.1740% | 7,772 |
| Core capital (leverage) ratio | 4.9556% | 7,774 |
| Tier 1 risk-based capital ratio | 6.9670% | 7,750 |
| Total risk-based capital ratio | 8.2412% | 7,754 |
| Memoranda: | ||
| Average total assets | $109,193,400 | 4,844 |
| Average earning assets | $102,862,200 | 4,763 |
| Average equity | $6,114,400 | 6,566 |
| Average total loans | $86,053,000 | 4,327 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0271% | 1,925 |
| Cost of funding earning assets | 2.4350% | 1,509 |
| Net interest margin | 3.5920% | 4,507 |
| Noninterest income to average assets | 0.2080% | 6,736 |
| Noninterest expense to average assets | 3.2972% | 2,931 |
| Loan and lease loss provision to assets | 1.2289% | 1,580 |
| Net operating income to assets | -0.8935% | 6,759 |
| Return on assets (ROA) | -0.8935% | 6,765 |
| Pretax return on assets | -0.9283% | 6,629 |
| Return on Equity (ROE) | -15.6803% | 7,220 |
| Retained earnings to average equity (ytd only) | -15.6803% | 7,170 |
| Net charge-offs to loans | 3.1857% | 506 |
| Credit loss provision to net charge-offs | 48.8995% | 6,326 |
| Earnings coverage of net charge-offs (x) | 0.1196% | 5,915 |
| Efficiency ratio | 91.6444% | 1,567 |
| Assets per employee ($millions) | 3.6249% | 4,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9318% | 1,956 |
| Loan loss allowance to noncurrent loans | 96.5579% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 2.1803% | 3,123 |
| Noncurrent loans to loans | 2.0007% | 3,641 |
| Net loans and leases to total assets | 78.5697% | 1,466 |
| Net loans and leases to deposits | 102.3711% | 900 |
| Net loans and leases to core deposits | 145.4709% | 709 |
| Total domestic deposits to total assets | 76.7499% | 6,409 |
| Equity capital to assets | 5.7809% | 7,894 |
| Core capital (leverage) ratio | 5.3039% | 7,898 |
| Tier 1 risk-based capital ratio | 7.3517% | 7,862 |
| Total risk-based capital ratio | 8.6122% | 7,863 |
| Memoranda: | ||
| Average total assets | $110,878,000 | 4,832 |
| Average earning assets | $104,636,250 | 4,752 |
| Average equity | $6,317,750 | 6,549 |
| Average total loans | $87,473,500 | 4,321 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9949% | 2,201 |
| Cost of funding earning assets | 2.4791% | 1,687 |
| Net interest margin | 3.5158% | 4,728 |
| Noninterest income to average assets | 0.1223% | 7,367 |
| Noninterest expense to average assets | 3.3122% | 2,909 |
| Loan and lease loss provision to assets | 1.7430% | 958 |
| Net operating income to assets | -1.5461% | 7,269 |
| Return on assets (ROA) | -1.5461% | 7,271 |
| Pretax return on assets | -1.6135% | 7,137 |
| Return on Equity (ROE) | -27.2585% | 7,666 |
| Retained earnings to average equity (ytd only) | -27.2585% | 7,638 |
| Net charge-offs to loans | 4.1487% | 330 |
| Credit loss provision to net charge-offs | 53.5112% | 5,712 |
| Earnings coverage of net charge-offs (x) | 0.0397% | 5,639 |
| Efficiency ratio | 96.2391% | 1,358 |
| Assets per employee ($millions) | 3.2497% | 5,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1527% | 1,310 |
| Loan loss allowance to noncurrent loans | 110.9705% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 2.2855% | 2,850 |
| Noncurrent loans to loans | 1.9399% | 3,618 |
| Net loans and leases to total assets | 78.0304% | 1,734 |
| Net loans and leases to deposits | 101.2377% | 1,149 |
| Net loans and leases to core deposits | 145.8483% | 767 |
| Total domestic deposits to total assets | 77.0764% | 6,305 |
| Equity capital to assets | 5.4943% | 8,002 |
| Core capital (leverage) ratio | 5.0125% | 8,028 |
| Tier 1 risk-based capital ratio | 6.9741% | 8,010 |
| Total risk-based capital ratio | 8.2215% | 8,019 |
| Memoranda: | ||
| Average total assets | $112,796,670 | 4,809 |
| Average earning assets | $106,491,000 | 4,711 |
| Average equity | $6,398,000 | 6,574 |
| Average total loans | $88,557,670 | 4,314 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9408% | 2,602 |
| Cost of funding earning assets | 2.4796% | 1,993 |
| Net interest margin | 3.4612% | 4,893 |
| Noninterest income to average assets | 0.2803% | 6,185 |
| Noninterest expense to average assets | 3.0906% | 3,409 |
| Loan and lease loss provision to assets | 1.3255% | 971 |
| Net operating income to assets | -0.8341% | 7,146 |
| Return on assets (ROA) | -0.8341% | 7,180 |
| Pretax return on assets | -0.8652% | 7,072 |
| Return on Equity (ROE) | -14.4941% | 7,584 |
| Retained earnings to average equity (ytd only) | -14.4941% | 7,408 |
| Net charge-offs to loans | 4.8936% | 223 |
| Credit loss provision to net charge-offs | 34.7550% | 4,891 |
| Earnings coverage of net charge-offs (x) | 0.1207% | 4,880 |
| Efficiency ratio | 87.0370% | 1,969 |
| Assets per employee ($millions) | 3.3226% | 5,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2364% | 1,038 |
| Loan loss allowance to noncurrent loans | 97.6285% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 2.3095% | 2,492 |
| Noncurrent loans to loans | 2.2907% | 2,867 |
| Net loans and leases to total assets | 76.4652% | 2,170 |
| Net loans and leases to deposits | 98.7674% | 1,562 |
| Net loans and leases to core deposits | 144.6426% | 910 |
| Total domestic deposits to total assets | 77.4195% | 6,176 |
| Equity capital to assets | 5.7998% | 8,032 |
| Core capital (leverage) ratio | 5.4090% | 8,088 |
| Tier 1 risk-based capital ratio | 7.5366% | 8,057 |
| Total risk-based capital ratio | 8.8008% | 8,067 |
| Memoranda: | ||
| Average total assets | $115,575,500 | 4,761 |
| Average earning assets | $109,211,500 | 4,664 |
| Average equity | $6,651,000 | 6,528 |
| Average total loans | $90,076,500 | 4,304 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1267% | 872 |
| Cost of funding earning assets | 2.9487% | 2,062 |
| Net interest margin | 4.1780% | 2,395 |
| Noninterest income to average assets | 0.2964% | 6,341 |
| Noninterest expense to average assets | 2.6921% | 5,302 |
| Loan and lease loss provision to assets | 4.2551% | 146 |
| Net operating income to assets | -2.6013% | 7,733 |
| Return on assets (ROA) | -2.5964% | 7,701 |
| Pretax return on assets | -2.7151% | 7,645 |
| Return on Equity (ROE) | -38.8846% | 8,068 |
| Retained earnings to average equity (ytd only) | -46.6488% | 8,114 |
| Net charge-offs to loans | 3.3880% | 236 |
| Credit loss provision to net charge-offs | 157.6582% | 3,299 |
| Earnings coverage of net charge-offs (x) | 0.5687% | 5,888 |
| Efficiency ratio | 63.6896% | 5,628 |
| Assets per employee ($millions) | 3.4759% | 4,733 |
| Cash dividends to net income (ytd only)* | -19.9671% | 7,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9348% | 464 |
| Loan loss allowance to noncurrent loans | 122.4545% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 1.9605% | 2,510 |
| Noncurrent loans to loans | 2.3966% | 2,293 |
| Net loans and leases to total assets | 75.3930% | 2,786 |
| Net loans and leases to deposits | 96.6839% | 2,341 |
| Net loans and leases to core deposits | 147.2525% | 969 |
| Total domestic deposits to total assets | 77.9789% | 5,723 |
| Equity capital to assets | 5.7115% | 8,107 |
| Core capital (leverage) ratio | 5.3970% | 8,175 |
| Tier 1 risk-based capital ratio | 7.5850% | 8,127 |
| Total risk-based capital ratio | 8.8586% | 8,149 |
| Memoranda: | ||
| Average total assets | $117,084,000 | 4,586 |
| Average earning assets | $110,149,400 | 4,512 |
| Average equity | $7,818,000 | 6,168 |
| Average total loans | $93,271,600 | 4,126 |