Home > Nature Coast Bank > Performance and Condition Ratios
Nature Coast 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 | 4.2797% | 2,210 |
| Cost of funding earning assets | 0.2747% | 4,315 |
| Net interest margin | 4.0050% | 1,620 |
| Noninterest income to average assets | 0.2201% | 5,092 |
| Noninterest expense to average assets | 3.1560% | 1,882 |
| Loan and lease loss provision to assets | -0.0745% | 5,640 |
| Net operating income to assets | 0.2908% | 5,241 |
| Return on assets (ROA) | 0.3724% | 5,110 |
| Pretax return on assets | 0.5958% | 4,794 |
| Return on Equity (ROE) | 2.8295% | 5,204 |
| Retained earnings to average equity (ytd only) | 2.8295% | 3,883 |
| Net charge-offs to loans | 0.2369% | 1,178 |
| Credit loss provision to net charge-offs | -46.3918% | 4,813 |
| Earnings coverage of net charge-offs (x) | 2.4536% | 3,824 |
| Efficiency ratio | 88.9044% | 625 |
| Assets per employee ($millions) | 3.2426% | 5,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7507% | 1,041 |
| Loan loss allowance to noncurrent loans | 337.3786% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 2.1152% | 632 |
| Noncurrent loans to loans | 0.5189% | 3,291 |
| Net loans and leases to total assets | 70.7568% | 2,375 |
| Net loans and leases to deposits | 82.8709% | 2,562 |
| Net loans and leases to core deposits | 87.5275% | 2,721 |
| Total domestic deposits to total assets | 85.3820% | 2,885 |
| Equity capital to assets | 14.6053% | 709 |
| Core capital (leverage) ratio | 11.8044% | 1,721 |
| Tier 1 risk-based capital ratio | 14.2904% | 3,289 |
| Total risk-based capital ratio | 15.5602% | 3,208 |
| Memoranda: | ||
| Average total assets | $60,424,200 | 5,129 |
| Average earning assets | $50,237,000 | 5,242 |
| Average equity | $7,951,800 | 4,941 |
| Average total loans | $40,939,000 | 4,842 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2477% | 2,350 |
| Cost of funding earning assets | 0.2787% | 4,307 |
| Net interest margin | 3.9690% | 1,753 |
| Noninterest income to average assets | 0.1403% | 5,557 |
| Noninterest expense to average assets | 3.0294% | 2,233 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2591% | 5,373 |
| Return on assets (ROA) | 0.2591% | 5,446 |
| Pretax return on assets | 0.4016% | 5,305 |
| Return on Equity (ROE) | 2.0184% | 5,468 |
| Retained earnings to average equity (ytd only) | 2.0184% | 4,679 |
| Net charge-offs to loans | -0.0226% | 5,053 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2945% | 658 |
| Assets per employee ($millions) | 3.5801% | 4,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0649% | 643 |
| Loan loss allowance to noncurrent loans | 220.0521% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 2.4842% | 549 |
| Noncurrent loans to loans | 0.9384% | 2,365 |
| Net loans and leases to total assets | 69.9656% | 2,490 |
| Net loans and leases to deposits | 81.4408% | 2,807 |
| Net loans and leases to core deposits | 85.8015% | 2,967 |
| Total domestic deposits to total assets | 85.9098% | 2,404 |
| Equity capital to assets | 13.9819% | 1,038 |
| Core capital (leverage) ratio | 11.6757% | 1,907 |
| Tier 1 risk-based capital ratio | 14.5795% | 3,246 |
| Total risk-based capital ratio | 15.8520% | 3,172 |
| Memoranda: | ||
| Average total assets | $61,749,250 | 5,149 |
| Average earning assets | $51,195,250 | 5,270 |
| Average equity | $7,927,000 | 4,997 |
| Average total loans | $41,249,000 | 4,882 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2002% | 2,510 |
| Cost of funding earning assets | 0.2767% | 4,381 |
| Net interest margin | 3.9235% | 1,903 |
| Noninterest income to average assets | 0.1075% | 5,753 |
| Noninterest expense to average assets | 2.8622% | 2,798 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2973% | 5,331 |
| Return on assets (ROA) | 0.2973% | 5,417 |
| Pretax return on assets | 0.4744% | 5,188 |
| Return on Equity (ROE) | 2.3798% | 5,415 |
| Retained earnings to average equity (ytd only) | 2.3798% | 4,364 |
| Net charge-offs to loans | -0.0339% | 5,183 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7820% | 904 |
| Assets per employee ($millions) | 3.7903% | 4,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0680% | 646 |
| Loan loss allowance to noncurrent loans | 398.5849% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 2.0629% | 779 |
| Noncurrent loans to loans | 0.5188% | 3,531 |
| Net loans and leases to total assets | 65.9834% | 3,086 |
| Net loans and leases to deposits | 76.0987% | 3,373 |
| Net loans and leases to core deposits | 79.8942% | 3,468 |
| Total domestic deposits to total assets | 86.7077% | 2,058 |
| Equity capital to assets | 13.1621% | 1,409 |
| Core capital (leverage) ratio | 11.5678% | 1,937 |
| Tier 1 risk-based capital ratio | 14.7015% | 3,204 |
| Total risk-based capital ratio | 15.9695% | 3,145 |
| Memoranda: | ||
| Average total assets | $63,238,670 | 5,165 |
| Average earning assets | $52,045,000 | 5,314 |
| Average equity | $7,899,670 | 5,043 |
| Average total loans | $41,358,000 | 4,920 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2434% | 2,324 |
| Cost of funding earning assets | 0.2772% | 4,422 |
| Net interest margin | 3.9661% | 1,725 |
| Noninterest income to average assets | 0.0124% | 6,046 |
| Noninterest expense to average assets | 2.7891% | 3,114 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2603% | 5,409 |
| Return on assets (ROA) | 0.2603% | 5,477 |
| Pretax return on assets | 0.4153% | 5,276 |
| Return on Equity (ROE) | 2.1378% | 5,477 |
| Retained earnings to average equity (ytd only) | 2.1378% | 4,403 |
| Net charge-offs to loans | -0.0577% | 5,394 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0406% | 885 |
| Assets per employee ($millions) | 3.8012% | 4,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0402% | 768 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6079% | 1,236 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 62.7128% | 3,427 |
| Net loans and leases to deposits | 71.5395% | 3,694 |
| Net loans and leases to core deposits | 75.9051% | 3,693 |
| Total domestic deposits to total assets | 87.6617% | 1,820 |
| Equity capital to assets | 12.2191% | 1,879 |
| Core capital (leverage) ratio | 10.4955% | 2,968 |
| Tier 1 risk-based capital ratio | 13.2018% | 4,139 |
| Total risk-based capital ratio | 14.4757% | 4,061 |
| Memoranda: | ||
| Average total assets | $64,536,000 | 5,187 |
| Average earning assets | $51,940,000 | 5,364 |
| Average equity | $7,858,500 | 5,082 |
| Average total loans | $41,607,000 | 4,947 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6263% | 1,269 |
| Cost of funding earning assets | 0.3111% | 4,126 |
| Net interest margin | 4.3152% | 939 |
| Noninterest income to average assets | 0.1740% | 5,544 |
| Noninterest expense to average assets | 2.9500% | 2,701 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4273% | 4,961 |
| Return on assets (ROA) | 0.4273% | 5,044 |
| Pretax return on assets | 0.6892% | 4,557 |
| Return on Equity (ROE) | 3.2174% | 5,229 |
| Retained earnings to average equity (ytd only) | 3.2174% | 3,766 |
| Net charge-offs to loans | 0.1192% | 2,179 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 8.3333% | 2,968 |
| Efficiency ratio | 81.0606% | 1,526 |
| Assets per employee ($millions) | 4.0283% | 3,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0026% | 797 |
| Loan loss allowance to noncurrent loans | 352.1008% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 2.8145% | 497 |
| Noncurrent loans to loans | 0.5688% | 3,469 |
| Net loans and leases to total assets | 63.6241% | 3,332 |
| Net loans and leases to deposits | 72.4595% | 3,670 |
| Net loans and leases to core deposits | 76.5242% | 3,710 |
| Total domestic deposits to total assets | 87.8064% | 1,745 |
| Equity capital to assets | 12.1346% | 1,861 |
| Core capital (leverage) ratio | 10.5599% | 2,870 |
| Tier 1 risk-based capital ratio | 11.8715% | 5,029 |
| Total risk-based capital ratio | 13.1500% | 4,922 |
| Memoranda: | ||
| Average total assets | $58,034,600 | 5,364 |
| Average earning assets | $46,603,000 | 5,509 |
| Average equity | $7,708,200 | 5,111 |
| Average total loans | $40,265,000 | 5,007 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6419% | 1,229 |
| Cost of funding earning assets | 0.3164% | 4,148 |
| Net interest margin | 4.3255% | 917 |
| Noninterest income to average assets | 0.2008% | 5,435 |
| Noninterest expense to average assets | 3.0290% | 2,434 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4513% | 4,965 |
| Return on assets (ROA) | 0.4513% | 5,056 |
| Pretax return on assets | 0.7254% | 4,589 |
| Return on Equity (ROE) | 3.3159% | 5,285 |
| Retained earnings to average equity (ytd only) | 3.3159% | 4,111 |
| Net charge-offs to loans | 0.1639% | 1,515 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 6.2654% | 3,072 |
| Efficiency ratio | 80.6797% | 1,561 |
| Assets per employee ($millions) | 3.5725% | 4,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0879% | 792 |
| Loan loss allowance to noncurrent loans | 344.4444% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 3.1963% | 445 |
| Noncurrent loans to loans | 0.6062% | 3,498 |
| Net loans and leases to total assets | 68.6704% | 2,587 |
| Net loans and leases to deposits | 79.7124% | 2,916 |
| Net loans and leases to core deposits | 84.4492% | 2,987 |
| Total domestic deposits to total assets | 86.1477% | 2,458 |
| Equity capital to assets | 13.6337% | 1,162 |
| Core capital (leverage) ratio | 11.3403% | 2,157 |
| Tier 1 risk-based capital ratio | 13.7847% | 3,974 |
| Total risk-based capital ratio | 15.0654% | 3,900 |
| Memoranda: | ||
| Average total assets | $56,430,250 | 5,467 |
| Average earning assets | $46,359,000 | 5,588 |
| Average equity | $7,680,000 | 5,183 |
| Average total loans | $39,870,000 | 5,072 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5736% | 1,342 |
| Cost of funding earning assets | 0.3144% | 4,228 |
| Net interest margin | 4.2592% | 997 |
| Noninterest income to average assets | 0.2065% | 5,448 |
| Noninterest expense to average assets | 3.0576% | 2,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4165% | 5,092 |
| Return on assets (ROA) | 0.4165% | 5,192 |
| Pretax return on assets | 0.6692% | 4,760 |
| Return on Equity (ROE) | 3.0619% | 5,377 |
| Retained earnings to average equity (ytd only) | 3.0619% | 4,092 |
| Net charge-offs to loans | -0.0101% | 4,924 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0439% | 1,487 |
| Assets per employee ($millions) | 3.6876% | 4,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1812% | 757 |
| Loan loss allowance to noncurrent loans | 303.4130% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 3.1829% | 493 |
| Noncurrent loans to loans | 0.7189% | 3,331 |
| Net loans and leases to total assets | 67.5706% | 2,704 |
| Net loans and leases to deposits | 77.8231% | 3,054 |
| Net loans and leases to core deposits | 82.2546% | 3,148 |
| Total domestic deposits to total assets | 86.8259% | 2,253 |
| Equity capital to assets | 13.0318% | 1,387 |
| Core capital (leverage) ratio | 11.0752% | 2,353 |
| Tier 1 risk-based capital ratio | 13.2504% | 4,373 |
| Total risk-based capital ratio | 14.5335% | 4,285 |
| Memoranda: | ||
| Average total assets | $56,187,000 | 5,531 |
| Average earning assets | $46,440,330 | 5,648 |
| Average equity | $7,642,330 | 5,232 |
| Average total loans | $39,797,000 | 5,121 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5243% | 1,396 |
| Cost of funding earning assets | 0.3207% | 4,216 |
| Net interest margin | 4.2036% | 1,050 |
| Noninterest income to average assets | 0.2045% | 5,492 |
| Noninterest expense to average assets | 3.1691% | 2,066 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3578% | 5,231 |
| Return on assets (ROA) | 0.3578% | 5,346 |
| Pretax return on assets | 0.5769% | 4,978 |
| Return on Equity (ROE) | 2.5725% | 5,515 |
| Retained earnings to average equity (ytd only) | 2.5725% | 4,397 |
| Net charge-offs to loans | -0.0102% | 4,726 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6004% | 1,305 |
| Assets per employee ($millions) | 3.2989% | 5,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2664% | 734 |
| Loan loss allowance to noncurrent loans | 302.0408% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 3.3505% | 513 |
| Noncurrent loans to loans | 0.7504% | 3,385 |
| Net loans and leases to total assets | 68.2816% | 2,398 |
| Net loans and leases to deposits | 79.2291% | 2,656 |
| Net loans and leases to core deposits | 88.5285% | 2,269 |
| Total domestic deposits to total assets | 86.1825% | 2,839 |
| Equity capital to assets | 13.6499% | 1,108 |
| Core capital (leverage) ratio | 11.7662% | 1,800 |
| Tier 1 risk-based capital ratio | 14.2351% | 3,857 |
| Total risk-based capital ratio | 15.4927% | 3,781 |
| Memoranda: | ||
| Average total assets | $54,779,500 | 5,621 |
| Average earning assets | $46,151,000 | 5,704 |
| Average equity | $7,619,000 | 5,281 |
| Average total loans | $39,317,000 | 5,163 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4920% | 1,902 |
| Cost of funding earning assets | 0.3607% | 4,131 |
| Net interest margin | 4.1314% | 1,486 |
| Noninterest income to average assets | 0.1891% | 5,724 |
| Noninterest expense to average assets | 3.1620% | 2,324 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3854% | 5,268 |
| Return on assets (ROA) | 0.3854% | 5,337 |
| Pretax return on assets | 0.6246% | 4,854 |
| Return on Equity (ROE) | 2.9035% | 5,512 |
| Retained earnings to average equity (ytd only) | 2.9035% | 4,176 |
| Net charge-offs to loans | 0.2225% | 1,890 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3.9326% | 3,781 |
| Efficiency ratio | 83.5061% | 1,471 |
| Assets per employee ($millions) | 3.3424% | 5,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2482% | 774 |
| Loan loss allowance to noncurrent loans | 298.6532% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 3.5304% | 526 |
| Noncurrent loans to loans | 0.7528% | 3,443 |
| Net loans and leases to total assets | 72.1156% | 1,893 |
| Net loans and leases to deposits | 84.1318% | 2,198 |
| Net loans and leases to core deposits | 89.5780% | 2,327 |
| Total domestic deposits to total assets | 85.7175% | 2,975 |
| Equity capital to assets | 14.1797% | 904 |
| Core capital (leverage) ratio | 11.4925% | 1,974 |
| Tier 1 risk-based capital ratio | 13.6987% | 4,299 |
| Total risk-based capital ratio | 14.9583% | 4,227 |
| Memoranda: | ||
| Average total assets | $56,040,200 | 5,651 |
| Average earning assets | $48,797,600 | 5,706 |
| Average equity | $7,439,400 | 5,315 |
| Average total loans | $40,002,200 | 5,186 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4627% | 2,010 |
| Cost of funding earning assets | 0.3728% | 4,097 |
| Net interest margin | 4.0900% | 1,606 |
| Noninterest income to average assets | 0.2023% | 5,719 |
| Noninterest expense to average assets | 3.1003% | 2,467 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4117% | 5,204 |
| Return on assets (ROA) | 0.4117% | 5,282 |
| Pretax return on assets | 0.6633% | 4,825 |
| Return on Equity (ROE) | 3.1516% | 5,487 |
| Retained earnings to average equity (ytd only) | 3.1516% | 4,382 |
| Net charge-offs to loans | 0.2956% | 1,334 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.1686% | 3,718 |
| Efficiency ratio | 82.3750% | 1,567 |
| Assets per employee ($millions) | 3.4229% | 5,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2285% | 906 |
| Loan loss allowance to noncurrent loans | 359.1093% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 3.5807% | 591 |
| Noncurrent loans to loans | 0.6206% | 4,064 |
| Net loans and leases to total assets | 71.0569% | 2,017 |
| Net loans and leases to deposits | 82.5818% | 2,349 |
| Net loans and leases to core deposits | 87.7690% | 2,459 |
| Total domestic deposits to total assets | 86.0443% | 2,828 |
| Equity capital to assets | 13.7092% | 1,106 |
| Core capital (leverage) ratio | 10.8367% | 2,654 |
| Tier 1 risk-based capital ratio | 13.1942% | 4,731 |
| Total risk-based capital ratio | 14.4534% | 4,660 |
| Memoranda: | ||
| Average total assets | $56,680,750 | 5,698 |
| Average earning assets | $49,355,500 | 5,760 |
| Average equity | $7,403,500 | 5,364 |
| Average total loans | $40,139,500 | 5,236 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3840% | 2,237 |
| Cost of funding earning assets | 0.3931% | 3,942 |
| Net interest margin | 3.9909% | 1,833 |
| Noninterest income to average assets | 0.2303% | 5,553 |
| Noninterest expense to average assets | 3.1054% | 2,475 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3699% | 5,327 |
| Return on assets (ROA) | 0.3699% | 5,398 |
| Pretax return on assets | 0.5967% | 4,967 |
| Return on Equity (ROE) | 2.8770% | 5,569 |
| Retained earnings to average equity (ytd only) | 2.8770% | 4,373 |
| Net charge-offs to loans | 0.4472% | 912 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.9000% | 3,691 |
| Efficiency ratio | 83.8831% | 1,533 |
| Assets per employee ($millions) | 3.6235% | 4,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1823% | 1,054 |
| Loan loss allowance to noncurrent loans | 354.4000% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 3.4152% | 694 |
| Noncurrent loans to loans | 0.6158% | 4,180 |
| Net loans and leases to total assets | 68.5008% | 2,325 |
| Net loans and leases to deposits | 78.7773% | 2,699 |
| Net loans and leases to core deposits | 84.4673% | 2,691 |
| Total domestic deposits to total assets | 86.9549% | 2,472 |
| Equity capital to assets | 12.8484% | 1,455 |
| Core capital (leverage) ratio | 10.4552% | 3,000 |
| Tier 1 risk-based capital ratio | 12.7170% | 5,078 |
| Total risk-based capital ratio | 13.9739% | 5,019 |
| Memoranda: | ||
| Average total assets | $57,319,000 | 5,730 |
| Average earning assets | $49,863,330 | 5,794 |
| Average equity | $7,368,670 | 5,399 |
| Average total loans | $40,252,000 | 5,263 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4245% | 2,045 |
| Cost of funding earning assets | 0.4052% | 3,906 |
| Net interest margin | 4.0193% | 1,691 |
| Noninterest income to average assets | 0.1755% | 5,917 |
| Noninterest expense to average assets | 3.2216% | 2,151 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2667% | 5,607 |
| Return on assets (ROA) | 0.2667% | 5,649 |
| Pretax return on assets | 0.4352% | 5,346 |
| Return on Equity (ROE) | 2.0741% | 5,759 |
| Retained earnings to average equity (ytd only) | 2.0741% | 4,772 |
| Net charge-offs to loans | 0.9581% | 358 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.6458% | 3,291 |
| Efficiency ratio | 88.0998% | 1,219 |
| Assets per employee ($millions) | 3.5481% | 4,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2054% | 1,152 |
| Loan loss allowance to noncurrent loans | 349.2063% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 4.3227% | 521 |
| Noncurrent loans to loans | 0.6315% | 4,285 |
| Net loans and leases to total assets | 68.7370% | 2,102 |
| Net loans and leases to deposits | 79.1377% | 2,413 |
| Net loans and leases to core deposits | 85.0227% | 2,418 |
| Total domestic deposits to total assets | 86.8575% | 2,908 |
| Equity capital to assets | 12.9769% | 1,317 |
| Core capital (leverage) ratio | 10.4117% | 3,033 |
| Tier 1 risk-based capital ratio | 12.5904% | 5,262 |
| Total risk-based capital ratio | 13.8460% | 5,197 |
| Memoranda: | ||
| Average total assets | $56,990,500 | 5,789 |
| Average earning assets | $49,361,500 | 5,861 |
| Average equity | $7,328,500 | 5,442 |
| Average total loans | $40,078,000 | 5,319 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4868% | 2,262 |
| Cost of funding earning assets | 0.4963% | 3,651 |
| Net interest margin | 3.9905% | 1,969 |
| Noninterest income to average assets | 0.1641% | 6,109 |
| Noninterest expense to average assets | 3.0041% | 3,046 |
| Loan and lease loss provision to assets | 0.0328% | 4,462 |
| Net operating income to assets | 0.3628% | 5,287 |
| Return on assets (ROA) | 0.3628% | 5,400 |
| Pretax return on assets | 0.5856% | 4,913 |
| Return on Equity (ROE) | 2.9008% | 5,543 |
| Retained earnings to average equity (ytd only) | 2.9008% | 4,182 |
| Net charge-offs to loans | 0.0706% | 4,221 |
| Credit loss provision to net charge-offs | 65.5172% | 3,417 |
| Earnings coverage of net charge-offs (x) | 12.3448% | 2,130 |
| Efficiency ratio | 82.9280% | 1,759 |
| Assets per employee ($millions) | 3.5757% | 4,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4246% | 905 |
| Loan loss allowance to noncurrent loans | 232.9356% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 4.4624% | 570 |
| Noncurrent loans to loans | 1.0409% | 3,430 |
| Net loans and leases to total assets | 68.6546% | 2,231 |
| Net loans and leases to deposits | 78.7434% | 2,626 |
| Net loans and leases to core deposits | 83.6396% | 2,711 |
| Total domestic deposits to total assets | 87.1878% | 2,630 |
| Equity capital to assets | 12.7423% | 1,399 |
| Core capital (leverage) ratio | 10.2308% | 3,250 |
| Tier 1 risk-based capital ratio | 12.4176% | 5,342 |
| Total risk-based capital ratio | 13.6792% | 5,279 |
| Memoranda: | ||
| Average total assets | $57,886,600 | 5,809 |
| Average earning assets | $50,169,000 | 5,880 |
| Average equity | $7,239,400 | 5,507 |
| Average total loans | $41,063,800 | 5,299 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4933% | 2,258 |
| Cost of funding earning assets | 0.5169% | 3,600 |
| Net interest margin | 3.9763% | 2,018 |
| Noninterest income to average assets | 0.1332% | 6,357 |
| Noninterest expense to average assets | 2.9006% | 3,308 |
| Loan and lease loss provision to assets | 0.0436% | 4,139 |
| Net operating income to assets | 0.3904% | 5,281 |
| Return on assets (ROA) | 0.3904% | 5,419 |
| Pretax return on assets | 0.6339% | 4,903 |
| Return on Equity (ROE) | 3.1364% | 5,556 |
| Retained earnings to average equity (ytd only) | 3.1364% | 4,434 |
| Net charge-offs to loans | -0.0065% | 5,819 |
| Credit loss provision to net charge-offs | -950.0000% | 6,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0655% | 1,959 |
| Assets per employee ($millions) | 3.5718% | 4,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4888% | 947 |
| Loan loss allowance to noncurrent loans | 147.6540% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 4.5320% | 663 |
| Noncurrent loans to loans | 1.6855% | 2,663 |
| Net loans and leases to total assets | 69.0388% | 2,138 |
| Net loans and leases to deposits | 79.3273% | 2,503 |
| Net loans and leases to core deposits | 84.2893% | 2,622 |
| Total domestic deposits to total assets | 87.0304% | 2,674 |
| Equity capital to assets | 12.7544% | 1,448 |
| Core capital (leverage) ratio | 10.1205% | 3,499 |
| Tier 1 risk-based capital ratio | 12.4796% | 5,469 |
| Total risk-based capital ratio | 13.7412% | 5,406 |
| Memoranda: | ||
| Average total assets | $58,055,500 | 5,872 |
| Average earning assets | $50,296,250 | 5,949 |
| Average equity | $7,226,750 | 5,578 |
| Average total loans | $41,266,250 | 5,346 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4917% | 2,228 |
| Cost of funding earning assets | 0.5501% | 3,410 |
| Net interest margin | 3.9416% | 2,074 |
| Noninterest income to average assets | 0.1097% | 6,498 |
| Noninterest expense to average assets | 2.8719% | 3,433 |
| Loan and lease loss provision to assets | 0.0651% | 3,724 |
| Net operating income to assets | 0.3633% | 5,350 |
| Return on assets (ROA) | 0.3633% | 5,530 |
| Pretax return on assets | 0.5860% | 5,071 |
| Return on Equity (ROE) | 2.9420% | 5,642 |
| Retained earnings to average equity (ytd only) | 2.9420% | 4,439 |
| Net charge-offs to loans | -0.0048% | 5,629 |
| Credit loss provision to net charge-offs | -1,900.0000% | 6,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5175% | 1,960 |
| Assets per employee ($millions) | 3.6609% | 4,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4646% | 1,023 |
| Loan loss allowance to noncurrent loans | 236.9412% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 3.9863% | 868 |
| Noncurrent loans to loans | 1.0402% | 3,857 |
| Net loans and leases to total assets | 68.0341% | 2,223 |
| Net loans and leases to deposits | 77.7641% | 2,595 |
| Net loans and leases to core deposits | 82.4714% | 2,754 |
| Total domestic deposits to total assets | 87.4878% | 2,548 |
| Equity capital to assets | 12.3756% | 1,657 |
| Core capital (leverage) ratio | 9.8336% | 3,750 |
| Tier 1 risk-based capital ratio | 12.0395% | 5,774 |
| Total risk-based capital ratio | 13.2998% | 5,715 |
| Memoranda: | ||
| Average total assets | $58,357,670 | 5,902 |
| Average earning assets | $50,538,000 | 5,977 |
| Average equity | $7,206,000 | 5,632 |
| Average total loans | $41,534,330 | 5,353 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6150% | 1,783 |
| Cost of funding earning assets | 0.6355% | 2,787 |
| Net interest margin | 3.9796% | 1,866 |
| Noninterest income to average assets | 0.1236% | 6,485 |
| Noninterest expense to average assets | 2.8018% | 3,692 |
| Loan and lease loss provision to assets | 0.1305% | 2,615 |
| Net operating income to assets | 0.3914% | 5,160 |
| Return on assets (ROA) | 0.3914% | 5,306 |
| Pretax return on assets | 0.6318% | 4,831 |
| Return on Equity (ROE) | 3.1735% | 5,508 |
| Retained earnings to average equity (ytd only) | 3.1735% | 4,360 |
| Net charge-offs to loans | -0.0096% | 5,420 |
| Credit loss provision to net charge-offs | -1,900.0000% | 5,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6127% | 2,516 |
| Assets per employee ($millions) | 3.5690% | 4,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4673% | 1,154 |
| Loan loss allowance to noncurrent loans | 5,588.8889% | 118 |
| Noncurrent assets plus other real estate owned to assets | 3.6320% | 1,154 |
| Noncurrent loans to loans | 0.0441% | 6,348 |
| Net loans and leases to total assets | 69.6396% | 1,728 |
| Net loans and leases to deposits | 79.8326% | 2,098 |
| Net loans and leases to core deposits | 84.8073% | 2,232 |
| Total domestic deposits to total assets | 87.2321% | 2,808 |
| Equity capital to assets | 12.6348% | 1,629 |
| Core capital (leverage) ratio | 9.3669% | 4,293 |
| Tier 1 risk-based capital ratio | 11.7647% | 6,052 |
| Total risk-based capital ratio | 13.0266% | 6,020 |
| Memoranda: | ||
| Average total assets | $58,249,000 | 5,959 |
| Average earning assets | $50,357,000 | 6,037 |
| Average equity | $7,184,500 | 5,696 |
| Average total loans | $41,872,500 | 5,383 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5049% | 3,374 |
| Cost of funding earning assets | 0.9400% | 1,709 |
| Net interest margin | 3.5649% | 4,249 |
| Noninterest income to average assets | 0.1715% | 6,173 |
| Noninterest expense to average assets | 2.7628% | 4,174 |
| Loan and lease loss provision to assets | 1.1167% | 334 |
| Net operating income to assets | -0.3596% | 6,487 |
| Return on assets (ROA) | -0.3596% | 6,534 |
| Pretax return on assets | -0.5740% | 6,607 |
| Return on Equity (ROE) | -2.9557% | 6,496 |
| Retained earnings to average equity (ytd only) | -2.9557% | 6,260 |
| Net charge-offs to loans | 1.0040% | 1,085 |
| Credit loss provision to net charge-offs | 156.7130% | 1,721 |
| Earnings coverage of net charge-offs (x) | 0.7616% | 5,098 |
| Efficiency ratio | 83.5828% | 1,680 |
| Assets per employee ($millions) | 3.7121% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2968% | 1,377 |
| Loan loss allowance to noncurrent loans | 166.1616% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 3.7832% | 1,167 |
| Noncurrent loans to loans | 1.3823% | 3,529 |
| Net loans and leases to total assets | 70.6890% | 1,706 |
| Net loans and leases to deposits | 80.4280% | 2,227 |
| Net loans and leases to core deposits | 89.6292% | 1,876 |
| Total domestic deposits to total assets | 87.8910% | 2,296 |
| Equity capital to assets | 12.0450% | 2,017 |
| Core capital (leverage) ratio | 9.0891% | 4,752 |
| Tier 1 risk-based capital ratio | 11.1396% | 6,295 |
| Total risk-based capital ratio | 12.3987% | 6,261 |
| Memoranda: | ||
| Average total assets | $60,627,200 | 5,907 |
| Average earning assets | $53,297,600 | 5,946 |
| Average equity | $7,375,600 | 5,672 |
| Average total loans | $43,026,800 | 5,379 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4616% | 3,769 |
| Cost of funding earning assets | 0.9962% | 1,580 |
| Net interest margin | 3.4654% | 4,782 |
| Noninterest income to average assets | 0.1750% | 6,256 |
| Noninterest expense to average assets | 2.7504% | 4,171 |
| Loan and lease loss provision to assets | 0.3020% | 2,185 |
| Net operating income to assets | 0.1072% | 6,113 |
| Return on assets (ROA) | 0.1072% | 6,257 |
| Pretax return on assets | 0.1750% | 6,162 |
| Return on Equity (ROE) | 0.8792% | 6,270 |
| Retained earnings to average equity (ytd only) | 0.8792% | 5,815 |
| Net charge-offs to loans | 0.8581% | 1,282 |
| Credit loss provision to net charge-offs | 49.8195% | 4,414 |
| Earnings coverage of net charge-offs (x) | 0.7870% | 4,934 |
| Efficiency ratio | 85.2203% | 1,457 |
| Assets per employee ($millions) | 3.8397% | 4,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 4,385 |
| Loan loss allowance to noncurrent loans | 56.1567% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 4.3184% | 1,084 |
| Noncurrent loans to loans | 2.4895% | 2,310 |
| Net loans and leases to total assets | 69.1121% | 2,089 |
| Net loans and leases to deposits | 78.8073% | 2,556 |
| Net loans and leases to core deposits | 90.8700% | 1,883 |
| Total domestic deposits to total assets | 87.6976% | 2,226 |
| Equity capital to assets | 12.0908% | 2,183 |
| Core capital (leverage) ratio | 9.7410% | 3,885 |
| Tier 1 risk-based capital ratio | 11.9811% | 5,943 |
| Total risk-based capital ratio | 13.2151% | 5,941 |
| Memoranda: | ||
| Average total assets | $60,935,500 | 5,970 |
| Average earning assets | $53,671,500 | 6,004 |
| Average equity | $7,431,000 | 5,717 |
| Average total loans | $43,040,500 | 5,437 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4745% | 3,874 |
| Cost of funding earning assets | 1.0467% | 1,490 |
| Net interest margin | 3.4278% | 4,981 |
| Noninterest income to average assets | 0.1481% | 6,451 |
| Noninterest expense to average assets | 2.7448% | 4,235 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2633% | 5,725 |
| Return on assets (ROA) | 0.2633% | 5,916 |
| Pretax return on assets | 0.4213% | 5,656 |
| Return on Equity (ROE) | 2.1529% | 5,994 |
| Retained earnings to average equity (ytd only) | 2.1529% | 5,113 |
| Net charge-offs to loans | -0.0046% | 6,153 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6944% | 1,369 |
| Assets per employee ($millions) | 3.6231% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6978% | 3,235 |
| Loan loss allowance to noncurrent loans | 48.2131% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 5.0656% | 937 |
| Noncurrent loans to loans | 3.5214% | 1,626 |
| Net loans and leases to total assets | 69.7526% | 1,965 |
| Net loans and leases to deposits | 79.5681% | 2,444 |
| Net loans and leases to core deposits | 92.7084% | 1,710 |
| Total domestic deposits to total assets | 87.6640% | 2,360 |
| Equity capital to assets | 12.1152% | 2,058 |
| Core capital (leverage) ratio | 9.7790% | 3,744 |
| Tier 1 risk-based capital ratio | 12.0262% | 5,908 |
| Total risk-based capital ratio | 13.2774% | 5,891 |
| Memoranda: | ||
| Average total assets | $60,769,000 | 6,009 |
| Average earning assets | $53,503,330 | 6,042 |
| Average equity | $7,432,000 | 5,731 |
| Average total loans | $43,033,670 | 5,470 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6671% | 3,183 |
| Cost of funding earning assets | 1.1271% | 1,269 |
| Net interest margin | 3.5400% | 4,524 |
| Noninterest income to average assets | 0.2121% | 6,104 |
| Noninterest expense to average assets | 2.8166% | 3,962 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3115% | 5,623 |
| Return on assets (ROA) | 0.3115% | 5,785 |
| Pretax return on assets | 0.4970% | 5,439 |
| Return on Equity (ROE) | 2.5347% | 5,892 |
| Retained earnings to average equity (ytd only) | 2.5347% | 4,990 |
| Net charge-offs to loans | -0.0094% | 5,925 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0000% | 1,582 |
| Assets per employee ($millions) | 3.8806% | 4,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7505% | 3,162 |
| Loan loss allowance to noncurrent loans | 92.6250% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 3.8573% | 1,446 |
| Noncurrent loans to loans | 1.8899% | 3,298 |
| Net loans and leases to total assets | 66.9818% | 2,289 |
| Net loans and leases to deposits | 76.2877% | 2,751 |
| Net loans and leases to core deposits | 93.0278% | 1,544 |
| Total domestic deposits to total assets | 87.8016% | 2,456 |
| Equity capital to assets | 11.9746% | 2,061 |
| Core capital (leverage) ratio | 9.8202% | 3,612 |
| Tier 1 risk-based capital ratio | 12.0841% | 5,904 |
| Total risk-based capital ratio | 13.3372% | 5,880 |
| Memoranda: | ||
| Average total assets | $60,357,500 | 6,056 |
| Average earning assets | $52,881,000 | 6,104 |
| Average equity | $7,417,000 | 5,761 |
| Average total loans | $42,698,500 | 5,519 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0563% | 2,627 |
| Cost of funding earning assets | 1.3573% | 1,208 |
| Net interest margin | 3.6991% | 4,296 |
| Noninterest income to average assets | 0.0104% | 6,951 |
| Noninterest expense to average assets | 3.0682% | 3,319 |
| Loan and lease loss provision to assets | 0.1128% | 5,180 |
| Net operating income to assets | 0.0312% | 5,987 |
| Return on assets (ROA) | 0.0312% | 6,102 |
| Pretax return on assets | 0.0503% | 6,049 |
| Return on Equity (ROE) | 0.2514% | 6,104 |
| Retained earnings to average equity (ytd only) | 0.2514% | 5,712 |
| Net charge-offs to loans | -0.1148% | 7,150 |
| Credit loss provision to net charge-offs | -130.0000% | 6,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9517% | 866 |
| Assets per employee ($millions) | 3.6641% | 4,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7206% | 3,120 |
| Loan loss allowance to noncurrent loans | 182.9630% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 3.4252% | 1,730 |
| Noncurrent loans to loans | 0.9404% | 4,822 |
| Net loans and leases to total assets | 72.1979% | 1,615 |
| Net loans and leases to deposits | 82.8930% | 2,081 |
| Net loans and leases to core deposits | 103.3400% | 941 |
| Total domestic deposits to total assets | 87.0977% | 2,706 |
| Equity capital to assets | 12.6209% | 1,727 |
| Core capital (leverage) ratio | 9.8292% | 3,546 |
| Tier 1 risk-based capital ratio | 11.6686% | 6,045 |
| Total risk-based capital ratio | 12.9203% | 6,025 |
| Memoranda: | ||
| Average total assets | $57,623,200 | 6,124 |
| Average earning assets | $50,174,600 | 6,185 |
| Average equity | $7,158,600 | 5,821 |
| Average total loans | $43,563,000 | 5,536 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1133% | 2,540 |
| Cost of funding earning assets | 1.3885% | 1,279 |
| Net interest margin | 3.7249% | 4,227 |
| Noninterest income to average assets | 0.0581% | 6,923 |
| Noninterest expense to average assets | 3.1559% | 2,973 |
| Loan and lease loss provision to assets | 0.1510% | 4,564 |
| Net operating income to assets | -0.0047% | 6,163 |
| Return on assets (ROA) | -0.0047% | 6,265 |
| Pretax return on assets | -0.0070% | 6,239 |
| Return on Equity (ROE) | -0.0376% | 6,265 |
| Retained earnings to average equity (ytd only) | -0.0376% | 5,965 |
| Net charge-offs to loans | 0.0061% | 6,091 |
| Credit loss provision to net charge-offs | 3,250.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 30.9588% | 913 |
| Efficiency ratio | 95.6338% | 840 |
| Assets per employee ($millions) | 3.7161% | 4,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5663% | 3,818 |
| Loan loss allowance to noncurrent loans | 3,131.8182% | 139 |
| Noncurrent assets plus other real estate owned to assets | 2.8440% | 2,280 |
| Noncurrent loans to loans | 0.0500% | 6,811 |
| Net loans and leases to total assets | 72.8262% | 1,542 |
| Net loans and leases to deposits | 83.3176% | 2,126 |
| Net loans and leases to core deposits | 109.2852% | 708 |
| Total domestic deposits to total assets | 87.4079% | 2,403 |
| Equity capital to assets | 12.4189% | 1,961 |
| Core capital (leverage) ratio | 10.0780% | 3,336 |
| Tier 1 risk-based capital ratio | 11.5057% | 6,238 |
| Total risk-based capital ratio | 12.7570% | 6,229 |
| Memoranda: | ||
| Average total assets | $57,372,750 | 6,171 |
| Average earning assets | $49,933,500 | 6,247 |
| Average equity | $7,098,500 | 5,879 |
| Average total loans | $43,687,000 | 5,575 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1457% | 2,483 |
| Cost of funding earning assets | 1.4192% | 1,333 |
| Net interest margin | 3.7265% | 4,143 |
| Noninterest income to average assets | 0.1411% | 6,617 |
| Noninterest expense to average assets | 3.2711% | 2,666 |
| Loan and lease loss provision to assets | 0.1870% | 4,043 |
| Net operating income to assets | -0.0459% | 6,293 |
| Return on assets (ROA) | -0.0459% | 6,351 |
| Pretax return on assets | -0.0741% | 6,338 |
| Return on Equity (ROE) | -0.3713% | 6,342 |
| Retained earnings to average equity (ytd only) | -0.3713% | 5,922 |
| Net charge-offs to loans | 0.0138% | 5,653 |
| Credit loss provision to net charge-offs | 1,766.6667% | 196 |
| Earnings coverage of net charge-offs (x) | 10.6667% | 1,783 |
| Efficiency ratio | 96.6632% | 846 |
| Assets per employee ($millions) | 3.5906% | 4,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5191% | 4,041 |
| Loan loss allowance to noncurrent loans | 282.8452% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 2.9591% | 2,265 |
| Noncurrent loans to loans | 0.5371% | 5,839 |
| Net loans and leases to total assets | 76.2820% | 1,041 |
| Net loans and leases to deposits | 87.1149% | 1,633 |
| Net loans and leases to core deposits | 113.4719% | 597 |
| Total domestic deposits to total assets | 87.5648% | 2,432 |
| Equity capital to assets | 12.2054% | 1,964 |
| Core capital (leverage) ratio | 9.6457% | 3,741 |
| Tier 1 risk-based capital ratio | 10.7244% | 6,698 |
| Total risk-based capital ratio | 11.9676% | 6,688 |
| Memoranda: | ||
| Average total assets | $56,677,670 | 6,243 |
| Average earning assets | $49,323,000 | 6,324 |
| Average equity | $7,003,330 | 5,928 |
| Average total loans | $43,586,000 | 5,628 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0308% | 2,952 |
| Cost of funding earning assets | 1.4106% | 1,559 |
| Net interest margin | 3.6202% | 4,482 |
| Noninterest income to average assets | 0.0853% | 6,982 |
| Noninterest expense to average assets | 3.0982% | 3,251 |
| Loan and lease loss provision to assets | 0.2984% | 2,771 |
| Net operating income to assets | -0.0995% | 6,459 |
| Return on assets (ROA) | -0.0995% | 6,478 |
| Pretax return on assets | -0.1563% | 6,503 |
| Return on Equity (ROE) | -0.8001% | 6,462 |
| Retained earnings to average equity (ytd only) | -0.8001% | 5,942 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6140% | 944 |
| Assets per employee ($millions) | 3.5653% | 4,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5229% | 4,097 |
| Loan loss allowance to noncurrent loans | 114.9742% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 3.1029% | 2,223 |
| Noncurrent loans to loans | 1.3245% | 4,487 |
| Net loans and leases to total assets | 75.7258% | 1,065 |
| Net loans and leases to deposits | 90.7843% | 1,144 |
| Net loans and leases to core deposits | 115.6422% | 541 |
| Total domestic deposits to total assets | 83.4128% | 4,739 |
| Equity capital to assets | 12.2257% | 1,774 |
| Core capital (leverage) ratio | 9.7900% | 3,401 |
| Tier 1 risk-based capital ratio | 10.9066% | 6,565 |
| Total risk-based capital ratio | 12.1764% | 6,535 |
| Memoranda: | ||
| Average total assets | $56,291,500 | 6,300 |
| Average earning assets | $49,057,500 | 6,376 |
| Average equity | $6,999,000 | 5,925 |
| Average total loans | $43,129,000 | 5,698 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2077% | 3,569 |
| Cost of funding earning assets | 1.6022% | 2,059 |
| Net interest margin | 3.6055% | 4,792 |
| Noninterest income to average assets | 0.0781% | 6,996 |
| Noninterest expense to average assets | 3.0807% | 3,545 |
| Loan and lease loss provision to assets | 1.0512% | 1,531 |
| Net operating income to assets | -0.5620% | 6,426 |
| Return on assets (ROA) | -0.4500% | 6,381 |
| Pretax return on assets | -0.7184% | 6,470 |
| Return on Equity (ROE) | -3.6890% | 6,336 |
| Retained earnings to average equity (ytd only) | -3.6890% | 6,176 |
| Net charge-offs to loans | 1.4242% | 1,558 |
| Credit loss provision to net charge-offs | 97.9430% | 4,729 |
| Earnings coverage of net charge-offs (x) | 0.1472% | 5,967 |
| Efficiency ratio | 95.1232% | 1,004 |
| Assets per employee ($millions) | 3.4712% | 5,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4767% | 4,138 |
| Loan loss allowance to noncurrent loans | 197.4763% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 2.7116% | 2,572 |
| Noncurrent loans to loans | 0.7478% | 5,547 |
| Net loans and leases to total assets | 75.2030% | 1,434 |
| Net loans and leases to deposits | 88.0807% | 1,777 |
| Net loans and leases to core deposits | 120.7383% | 510 |
| Total domestic deposits to total assets | 85.3796% | 3,676 |
| Equity capital to assets | 12.6470% | 1,552 |
| Core capital (leverage) ratio | 9.0506% | 4,448 |
| Tier 1 risk-based capital ratio | 11.3083% | 6,081 |
| Total risk-based capital ratio | 12.5643% | 6,067 |
| Memoranda: | ||
| Average total assets | $58,883,200 | 6,243 |
| Average earning assets | $51,615,600 | 6,308 |
| Average equity | $7,183,600 | 5,971 |
| Average total loans | $44,374,600 | 5,733 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2059% | 3,796 |
| Cost of funding earning assets | 1.5895% | 2,446 |
| Net interest margin | 3.6164% | 4,805 |
| Noninterest income to average assets | 0.0290% | 7,369 |
| Noninterest expense to average assets | 3.0609% | 3,532 |
| Loan and lease loss provision to assets | 1.3039% | 1,065 |
| Net operating income to assets | -0.7321% | 6,751 |
| Return on assets (ROA) | -0.5849% | 6,704 |
| Pretax return on assets | -0.9310% | 6,821 |
| Return on Equity (ROE) | -4.8359% | 6,642 |
| Retained earnings to average equity (ytd only) | -4.8359% | 6,548 |
| Net charge-offs to loans | 1.8126% | 1,063 |
| Credit loss provision to net charge-offs | 95.7377% | 4,528 |
| Earnings coverage of net charge-offs (x) | 0.1049% | 5,915 |
| Efficiency ratio | 95.5401% | 924 |
| Assets per employee ($millions) | 3.8318% | 4,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4153% | 4,369 |
| Loan loss allowance to noncurrent loans | 70.9491% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 2.4989% | 2,872 |
| Noncurrent loans to loans | 1.9948% | 3,687 |
| Net loans and leases to total assets | 69.6483% | 2,820 |
| Net loans and leases to deposits | 78.8813% | 3,651 |
| Net loans and leases to core deposits | 103.9688% | 1,490 |
| Total domestic deposits to total assets | 88.2952% | 1,799 |
| Equity capital to assets | 11.4993% | 2,531 |
| Core capital (leverage) ratio | 9.0357% | 4,632 |
| Tier 1 risk-based capital ratio | 10.8505% | 6,507 |
| Total risk-based capital ratio | 12.0847% | 6,495 |
| Memoranda: | ||
| Average total assets | $59,719,250 | 6,280 |
| Average earning assets | $52,426,000 | 6,353 |
| Average equity | $7,223,500 | 6,035 |
| Average total loans | $44,870,000 | 5,790 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3195% | 3,371 |
| Cost of funding earning assets | 1.5877% | 2,726 |
| Net interest margin | 3.7317% | 4,224 |
| Noninterest income to average assets | -0.0574% | 7,592 |
| Noninterest expense to average assets | 3.1188% | 3,222 |
| Loan and lease loss provision to assets | 1.6388% | 789 |
| Net operating income to assets | -0.9698% | 6,933 |
| Return on assets (ROA) | -0.9698% | 6,950 |
| Pretax return on assets | -1.5509% | 7,094 |
| Return on Equity (ROE) | -7.8832% | 6,881 |
| Retained earnings to average equity (ytd only) | -7.8832% | 6,804 |
| Net charge-offs to loans | 2.0401% | 891 |
| Credit loss provision to net charge-offs | 104.7516% | 3,896 |
| Earnings coverage of net charge-offs (x) | 0.0562% | 5,663 |
| Efficiency ratio | 97.2603% | 909 |
| Assets per employee ($millions) | 3.6714% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4595% | 4,129 |
| Loan loss allowance to noncurrent loans | 43.1181% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 2.6097% | 2,772 |
| Noncurrent loans to loans | 3.3849% | 2,357 |
| Net loans and leases to total assets | 75.9746% | 1,497 |
| Net loans and leases to deposits | 86.6852% | 2,400 |
| Net loans and leases to core deposits | 140.9189% | 280 |
| Total domestic deposits to total assets | 87.6443% | 2,184 |
| Equity capital to assets | 12.1157% | 2,033 |
| Core capital (leverage) ratio | 9.2120% | 4,282 |
| Tier 1 risk-based capital ratio | 10.6079% | 6,600 |
| Total risk-based capital ratio | 11.8577% | 6,603 |
| Memoranda: | ||
| Average total assets | $59,189,670 | 6,343 |
| Average earning assets | $51,772,000 | 6,414 |
| Average equity | $7,281,330 | 6,042 |
| Average total loans | $45,389,000 | 5,799 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3590% | 3,245 |
| Cost of funding earning assets | 1.6216% | 2,823 |
| Net interest margin | 3.7374% | 4,062 |
| Noninterest income to average assets | -0.1616% | 7,787 |
| Noninterest expense to average assets | 3.0835% | 3,333 |
| Loan and lease loss provision to assets | 0.4511% | 2,712 |
| Net operating income to assets | -0.2693% | 6,625 |
| Return on assets (ROA) | -0.2693% | 6,686 |
| Pretax return on assets | -0.4376% | 6,743 |
| Return on Equity (ROE) | -2.1729% | 6,655 |
| Retained earnings to average equity (ytd only) | -2.1729% | 6,237 |
| Net charge-offs to loans | 0.2553% | 3,412 |
| Credit loss provision to net charge-offs | 231.0345% | 1,649 |
| Earnings coverage of net charge-offs (x) | 0.0690% | 4,978 |
| Efficiency ratio | 99.5652% | 853 |
| Assets per employee ($millions) | 3.5633% | 4,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4707% | 4,063 |
| Loan loss allowance to noncurrent loans | 37.2797% | 5,884 |
| Noncurrent assets plus other real estate owned to assets | 3.3281% | 2,146 |
| Noncurrent loans to loans | 3.9451% | 1,998 |
| Net loans and leases to total assets | 74.8729% | 1,772 |
| Net loans and leases to deposits | 91.4268% | 1,693 |
| Net loans and leases to core deposits | 150.8966% | 237 |
| Total domestic deposits to total assets | 81.8938% | 5,121 |
| Equity capital to assets | 12.1286% | 1,963 |
| Core capital (leverage) ratio | 9.7181% | 3,490 |
| Tier 1 risk-based capital ratio | 11.1697% | 5,987 |
| Total risk-based capital ratio | 12.4192% | 5,953 |
| Memoranda: | ||
| Average total assets | $59,413,500 | 6,411 |
| Average earning assets | $51,800,500 | 6,484 |
| Average equity | $7,363,500 | 6,065 |
| Average total loans | $45,438,500 | 5,867 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5193% | 4,041 |
| Cost of funding earning assets | 2.2547% | 1,822 |
| Net interest margin | 3.2646% | 5,873 |
| Noninterest income to average assets | 0.1605% | 6,926 |
| Noninterest expense to average assets | 3.3134% | 2,970 |
| Loan and lease loss provision to assets | 0.4524% | 4,114 |
| Net operating income to assets | -0.4507% | 6,126 |
| Return on assets (ROA) | -0.4507% | 6,125 |
| Pretax return on assets | -0.7084% | 6,201 |
| Return on Equity (ROE) | -3.5346% | 6,061 |
| Retained earnings to average equity (ytd only) | -3.5346% | 5,800 |
| Net charge-offs to loans | 1.0199% | 2,369 |
| Credit loss provision to net charge-offs | 58.2418% | 6,665 |
| Earnings coverage of net charge-offs (x) | -0.3297% | 6,566 |
| Efficiency ratio | 108.3752% | 835 |
| Assets per employee ($millions) | 3.4265% | 5,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4249% | 4,101 |
| Loan loss allowance to noncurrent loans | 53.8786% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 2.7055% | 2,587 |
| Noncurrent loans to loans | 2.6447% | 2,907 |
| Net loans and leases to total assets | 75.8888% | 1,825 |
| Net loans and leases to deposits | 95.9894% | 1,327 |
| Net loans and leases to core deposits | 116.3990% | 2,274 |
| Total domestic deposits to total assets | 79.0596% | 5,961 |
| Equity capital to assets | 12.6693% | 1,663 |
| Core capital (leverage) ratio | 10.3335% | 2,756 |
| Tier 1 risk-based capital ratio | 12.0160% | 4,933 |
| Total risk-based capital ratio | 13.2650% | 4,887 |
| Memoranda: | ||
| Average total assets | $58,581,000 | 6,405 |
| Average earning assets | $51,981,400 | 6,462 |
| Average equity | $7,469,000 | 6,102 |
| Average total loans | $44,612,800 | 5,901 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5375% | 4,231 |
| Cost of funding earning assets | 2.3846% | 1,687 |
| Net interest margin | 3.1529% | 6,165 |
| Noninterest income to average assets | 0.0659% | 7,579 |
| Noninterest expense to average assets | 3.1637% | 3,424 |
| Loan and lease loss provision to assets | 0.4023% | 3,904 |
| Net operating income to assets | -0.4455% | 6,372 |
| Return on assets (ROA) | -0.4455% | 6,376 |
| Pretax return on assets | -0.7023% | 6,484 |
| Return on Equity (ROE) | -3.4885% | 6,296 |
| Retained earnings to average equity (ytd only) | -3.4885% | 6,030 |
| Net charge-offs to loans | 0.6733% | 2,672 |
| Credit loss provision to net charge-offs | 78.6667% | 5,794 |
| Earnings coverage of net charge-offs (x) | -0.5867% | 6,511 |
| Efficiency ratio | 110.4762% | 760 |
| Assets per employee ($millions) | 4.1309% | 3,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7636% | 2,401 |
| Loan loss allowance to noncurrent loans | 386.6337% | 802 |
| Noncurrent assets plus other real estate owned to assets | 1.3159% | 4,451 |
| Noncurrent loans to loans | 0.4561% | 6,409 |
| Net loans and leases to total assets | 75.2231% | 2,184 |
| Net loans and leases to deposits | 87.9951% | 2,960 |
| Net loans and leases to core deposits | 102.4468% | 4,111 |
| Total domestic deposits to total assets | 85.4855% | 2,976 |
| Equity capital to assets | 12.8614% | 1,753 |
| Core capital (leverage) ratio | 10.1135% | 3,159 |
| Tier 1 risk-based capital ratio | 11.9902% | 4,990 |
| Total risk-based capital ratio | 13.2634% | 4,899 |
| Memoranda: | ||
| Average total assets | $58,663,500 | 6,442 |
| Average earning assets | $52,055,750 | 6,496 |
| Average equity | $7,491,250 | 6,154 |
| Average total loans | $44,554,750 | 5,946 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4879% | 4,704 |
| Cost of funding earning assets | 2.5043% | 1,598 |
| Net interest margin | 2.9836% | 6,599 |
| Noninterest income to average assets | 0.1663% | 7,090 |
| Noninterest expense to average assets | 3.1082% | 3,668 |
| Loan and lease loss provision to assets | 0.1154% | 5,989 |
| Net operating income to assets | -0.2647% | 6,277 |
| Return on assets (ROA) | -0.2647% | 6,289 |
| Pretax return on assets | -0.4174% | 6,343 |
| Return on Equity (ROE) | -2.0775% | 6,234 |
| Retained earnings to average equity (ytd only) | -2.0775% | 5,764 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.7618% | 830 |
| Assets per employee ($millions) | 4.3050% | 3,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8973% | 1,801 |
| Loan loss allowance to noncurrent loans | 136.3349% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 1.7339% | 3,579 |
| Noncurrent loans to loans | 1.3916% | 4,429 |
| Net loans and leases to total assets | 74.0385% | 2,686 |
| Net loans and leases to deposits | 85.3702% | 3,669 |
| Net loans and leases to core deposits | 98.3579% | 4,665 |
| Total domestic deposits to total assets | 86.7264% | 2,388 |
| Equity capital to assets | 12.3992% | 1,976 |
| Core capital (leverage) ratio | 10.1827% | 3,114 |
| Tier 1 risk-based capital ratio | 12.1151% | 4,829 |
| Total risk-based capital ratio | 13.3710% | 4,733 |
| Memoranda: | ||
| Average total assets | $58,940,670 | 6,482 |
| Average earning assets | $52,151,000 | 6,547 |
| Average equity | $7,509,000 | 6,178 |
| Average total loans | $44,645,000 | 5,996 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4979% | 4,924 |
| Cost of funding earning assets | 2.6402% | 1,447 |
| Net interest margin | 2.8577% | 6,859 |
| Noninterest income to average assets | 0.1373% | 7,321 |
| Noninterest expense to average assets | 2.9995% | 3,772 |
| Loan and lease loss provision to assets | 0.1236% | 5,379 |
| Net operating income to assets | -0.3295% | 6,720 |
| Return on assets (ROA) | -0.3295% | 6,791 |
| Pretax return on assets | -0.4599% | 6,791 |
| Return on Equity (ROE) | -2.5508% | 6,729 |
| Retained earnings to average equity (ytd only) | -2.5508% | 6,201 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.6289% | 758 |
| Assets per employee ($millions) | 3.8666% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9134% | 1,595 |
| Loan loss allowance to noncurrent loans | 129.5107% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 1.4337% | 3,785 |
| Noncurrent loans to loans | 1.4774% | 4,090 |
| Net loans and leases to total assets | 70.1839% | 3,631 |
| Net loans and leases to deposits | 80.4610% | 4,541 |
| Net loans and leases to core deposits | 94.4776% | 5,117 |
| Total domestic deposits to total assets | 87.2272% | 2,108 |
| Equity capital to assets | 12.1795% | 2,151 |
| Core capital (leverage) ratio | 10.7236% | 2,719 |
| Tier 1 risk-based capital ratio | 12.3978% | 4,620 |
| Total risk-based capital ratio | 13.6537% | 4,536 |
| Memoranda: | ||
| Average total assets | $58,276,000 | 6,533 |
| Average earning assets | $51,510,500 | 6,595 |
| Average equity | $7,527,000 | 6,213 |
| Average total loans | $44,224,500 | 6,050 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3695% | 3,579 |
| Cost of funding earning assets | 3.0085% | 1,842 |
| Net interest margin | 3.3610% | 5,815 |
| Noninterest income to average assets | 0.2245% | 6,837 |
| Noninterest expense to average assets | 3.8758% | 1,604 |
| Loan and lease loss provision to assets | 3.9520% | 169 |
| Net operating income to assets | -2.9291% | 7,813 |
| Return on assets (ROA) | -2.9291% | 7,781 |
| Pretax return on assets | -4.6552% | 7,982 |
| Return on Equity (ROE) | -16.3305% | 7,638 |
| Retained earnings to average equity (ytd only) | -16.3305% | 7,532 |
| Net charge-offs to loans | 3.8931% | 175 |
| Credit loss provision to net charge-offs | 124.4830% | 4,301 |
| Earnings coverage of net charge-offs (x) | -0.2215% | 6,382 |
| Efficiency ratio | 122.1629% | 547 |
| Assets per employee ($millions) | 3.4179% | 4,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8763% | 1,472 |
| Loan loss allowance to noncurrent loans | 194.6009% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 1.2051% | 3,835 |
| Noncurrent loans to loans | 0.9642% | 4,672 |
| Net loans and leases to total assets | 79.2762% | 1,820 |
| Net loans and leases to deposits | 95.4996% | 2,529 |
| Net loans and leases to core deposits | 113.4955% | 3,396 |
| Total domestic deposits to total assets | 83.0121% | 3,771 |
| Equity capital to assets | 13.7494% | 1,520 |
| Core capital (leverage) ratio | 12.1672% | 1,895 |
| Tier 1 risk-based capital ratio | 12.8878% | 4,168 |
| Total risk-based capital ratio | 14.1631% | 4,078 |
| Memoranda: | ||
| Average total assets | $47,216,200 | 6,892 |
| Average earning assets | $41,415,800 | 6,972 |
| Average equity | $8,468,800 | 5,913 |
| Average total loans | $38,504,000 | 6,243 |