Home > North Milwaukee State Bank > Performance and Condition Ratios
North Milwaukee State Bank, Performance and Condition Ratios
| 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 | 4.1704% | 2,661 |
| Cost of funding earning assets | 0.7738% | 561 |
| Net interest margin | 3.3966% | 3,930 |
| Noninterest income to average assets | 0.4753% | 3,497 |
| Noninterest expense to average assets | 5.6667% | 199 |
| Loan and lease loss provision to assets | 2.5006% | 22 |
| Net operating income to assets | -2.8850% | 6,160 |
| Return on assets (ROA) | -2.8850% | 6,161 |
| Pretax return on assets | -4.7711% | 6,175 |
| Return on Equity (ROE) | -45.2287% | 6,169 |
| Retained earnings to average equity (ytd only) | -45.2287% | 6,167 |
| Net charge-offs to loans | 3.7541% | 17 |
| Credit loss provision to net charge-offs | 102.6584% | 2,442 |
| Earnings coverage of net charge-offs (x) | -0.9321% | 4,329 |
| Efficiency ratio | 166.8560% | 27 |
| Assets per employee ($millions) | 3.9479% | 4,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5914% | 13 |
| Loan loss allowance to noncurrent loans | 89.1716% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 15.0160% | 24 |
| Noncurrent loans to loans | 8.5133% | 65 |
| Net loans and leases to total assets | 57.2048% | 4,171 |
| Net loans and leases to deposits | 62.4347% | 4,600 |
| Net loans and leases to core deposits | 79.4048% | 3,404 |
| Total domestic deposits to total assets | 91.6233% | 156 |
| Equity capital to assets | 5.2194% | 6,140 |
| Core capital (leverage) ratio | 1.2695% | 6,181 |
| Tier 1 risk-based capital ratio | 1.5781% | 6,182 |
| Total risk-based capital ratio | 2.9482% | 6,182 |
| Memoranda: | ||
| Average total assets | $72,582,400 | 5,029 |
| Average earning assets | $62,415,400 | 5,118 |
| Average equity | $4,629,800 | 5,735 |
| Average total loans | $47,094,800 | 4,754 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1187% | 2,861 |
| Cost of funding earning assets | 0.7498% | 648 |
| Net interest margin | 3.3689% | 4,082 |
| Noninterest income to average assets | 0.4075% | 4,030 |
| Noninterest expense to average assets | 5.4793% | 215 |
| Loan and lease loss provision to assets | 2.8974% | 17 |
| Net operating income to assets | -3.0417% | 6,246 |
| Return on assets (ROA) | -3.0417% | 6,246 |
| Pretax return on assets | -5.0286% | 6,262 |
| Return on Equity (ROE) | -45.7962% | 6,254 |
| Retained earnings to average equity (ytd only) | -45.7962% | 6,250 |
| Net charge-offs to loans | 4.5762% | 11 |
| Credit loss provision to net charge-offs | 96.5745% | 2,358 |
| Earnings coverage of net charge-offs (x) | -0.7103% | 4,039 |
| Efficiency ratio | 163.6511% | 28 |
| Assets per employee ($millions) | 4.1496% | 3,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7773% | 24 |
| Loan loss allowance to noncurrent loans | 47.2648% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 15.4074% | 21 |
| Noncurrent loans to loans | 14.3390% | 16 |
| Net loans and leases to total assets | 59.4707% | 3,940 |
| Net loans and leases to deposits | 65.1242% | 4,460 |
| Net loans and leases to core deposits | 77.8753% | 3,618 |
| Total domestic deposits to total assets | 91.3189% | 183 |
| Equity capital to assets | 5.6107% | 6,214 |
| Core capital (leverage) ratio | 2.1976% | 6,264 |
| Tier 1 risk-based capital ratio | 2.7801% | 6,267 |
| Total risk-based capital ratio | 4.1133% | 6,266 |
| Memoranda: | ||
| Average total assets | $73,949,250 | 5,050 |
| Average earning assets | $64,548,750 | 5,136 |
| Average equity | $4,911,500 | 5,745 |
| Average total loans | $48,481,750 | 4,770 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0796% | 2,973 |
| Cost of funding earning assets | 0.7349% | 698 |
| Net interest margin | 3.3448% | 4,123 |
| Noninterest income to average assets | 0.4129% | 3,986 |
| Noninterest expense to average assets | 4.7973% | 336 |
| Loan and lease loss provision to assets | 3.3935% | 11 |
| Net operating income to assets | -2.9220% | 6,320 |
| Return on assets (ROA) | -2.9220% | 6,321 |
| Pretax return on assets | -4.8319% | 6,339 |
| Return on Equity (ROE) | -41.9557% | 6,326 |
| Retained earnings to average equity (ytd only) | -41.9557% | 6,316 |
| Net charge-offs to loans | 6.2408% | 6 |
| Credit loss provision to net charge-offs | 82.2466% | 2,301 |
| Earnings coverage of net charge-offs (x) | -0.3486% | 3,738 |
| Efficiency ratio | 142.8232% | 53 |
| Assets per employee ($millions) | 3.2472% | 5,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1191% | 35 |
| Loan loss allowance to noncurrent loans | 34.4735% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 18.1906% | 13 |
| Noncurrent loans to loans | 17.7503% | 14 |
| Net loans and leases to total assets | 60.8206% | 3,714 |
| Net loans and leases to deposits | 67.1411% | 4,212 |
| Net loans and leases to core deposits | 81.7110% | 3,212 |
| Total domestic deposits to total assets | 90.5862% | 420 |
| Equity capital to assets | 6.3356% | 6,256 |
| Core capital (leverage) ratio | 3.4166% | 6,325 |
| Tier 1 risk-based capital ratio | 4.2466% | 6,333 |
| Total risk-based capital ratio | 5.5655% | 6,332 |
| Memoranda: | ||
| Average total assets | $75,084,330 | 5,073 |
| Average earning assets | $66,133,330 | 5,152 |
| Average equity | $5,229,330 | 5,721 |
| Average total loans | $49,641,330 | 4,762 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4498% | 1,612 |
| Cost of funding earning assets | 0.6931% | 879 |
| Net interest margin | 3.7567% | 2,406 |
| Noninterest income to average assets | 0.4213% | 3,833 |
| Noninterest expense to average assets | 4.4105% | 455 |
| Loan and lease loss provision to assets | 0.9414% | 92 |
| Net operating income to assets | -0.9466% | 6,313 |
| Return on assets (ROA) | -0.9466% | 6,318 |
| Pretax return on assets | -1.5759% | 6,351 |
| Return on Equity (ROE) | -13.0443% | 6,334 |
| Retained earnings to average equity (ytd only) | -13.0443% | 6,196 |
| Net charge-offs to loans | 9.9451% | 5 |
| Credit loss provision to net charge-offs | 14.1850% | 2,405 |
| Earnings coverage of net charge-offs (x) | -0.0956% | 3,120 |
| Efficiency ratio | 116.8044% | 145 |
| Assets per employee ($millions) | 3.9285% | 4,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0375% | 123 |
| Loan loss allowance to noncurrent loans | 27.5541% | 5,587 |
| Noncurrent assets plus other real estate owned to assets | 14.1186% | 33 |
| Noncurrent loans to loans | 14.6529% | 27 |
| Net loans and leases to total assets | 60.8642% | 3,544 |
| Net loans and leases to deposits | 67.4999% | 4,003 |
| Net loans and leases to core deposits | 80.6275% | 3,089 |
| Total domestic deposits to total assets | 90.1693% | 665 |
| Equity capital to assets | 7.0256% | 6,259 |
| Core capital (leverage) ratio | 5.4066% | 6,351 |
| Tier 1 risk-based capital ratio | 6.4370% | 6,383 |
| Total risk-based capital ratio | 7.6952% | 6,383 |
| Memoranda: | ||
| Average total assets | $76,907,500 | 5,090 |
| Average earning assets | $68,678,000 | 5,126 |
| Average equity | $5,581,000 | 5,700 |
| Average total loans | $51,321,500 | 4,754 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9739% | 815 |
| Cost of funding earning assets | 0.7803% | 718 |
| Net interest margin | 4.1936% | 1,319 |
| Noninterest income to average assets | 0.9147% | 1,458 |
| Noninterest expense to average assets | 3.8880% | 869 |
| Loan and lease loss provision to assets | 1.8931% | 36 |
| Net operating income to assets | -0.6624% | 6,332 |
| Return on assets (ROA) | -0.5916% | 6,319 |
| Pretax return on assets | -0.9949% | 6,372 |
| Return on Equity (ROE) | -7.8285% | 6,337 |
| Retained earnings to average equity (ytd only) | -7.8285% | 6,267 |
| Net charge-offs to loans | 1.6736% | 136 |
| Credit loss provision to net charge-offs | 158.9744% | 1,521 |
| Earnings coverage of net charge-offs (x) | 0.6613% | 4,596 |
| Efficiency ratio | 83.1565% | 1,502 |
| Assets per employee ($millions) | 3.9603% | 4,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8834% | 43 |
| Loan loss allowance to noncurrent loans | 37.6105% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 15.7193% | 29 |
| Noncurrent loans to loans | 15.6429% | 22 |
| Net loans and leases to total assets | 66.0549% | 2,871 |
| Net loans and leases to deposits | 73.6341% | 3,481 |
| Net loans and leases to core deposits | 90.3034% | 2,248 |
| Total domestic deposits to total assets | 89.7070% | 868 |
| Equity capital to assets | 7.4982% | 6,235 |
| Core capital (leverage) ratio | 6.4846% | 6,370 |
| Tier 1 risk-based capital ratio | 8.6093% | 6,425 |
| Total risk-based capital ratio | 9.9101% | 6,425 |
| Memoranda: | ||
| Average total assets | $78,601,600 | 5,100 |
| Average earning assets | $70,488,000 | 5,113 |
| Average equity | $5,939,800 | 5,632 |
| Average total loans | $55,928,800 | 4,615 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9263% | 880 |
| Cost of funding earning assets | 0.7958% | 698 |
| Net interest margin | 4.1305% | 1,487 |
| Noninterest income to average assets | 1.0674% | 1,076 |
| Noninterest expense to average assets | 3.8015% | 972 |
| Loan and lease loss provision to assets | 1.7623% | 41 |
| Net operating income to assets | -0.4660% | 6,360 |
| Return on assets (ROA) | -0.3726% | 6,333 |
| Pretax return on assets | -0.6394% | 6,391 |
| Return on Equity (ROE) | -4.9215% | 6,369 |
| Retained earnings to average equity (ytd only) | -4.9215% | 6,252 |
| Net charge-offs to loans | 2.0949% | 95 |
| Credit loss provision to net charge-offs | 117.8451% | 1,939 |
| Earnings coverage of net charge-offs (x) | 0.6532% | 4,342 |
| Efficiency ratio | 79.5574% | 1,980 |
| Assets per employee ($millions) | 3.6721% | 4,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7945% | 92 |
| Loan loss allowance to noncurrent loans | 38.9383% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 11.7396% | 66 |
| Noncurrent loans to loans | 12.3130% | 50 |
| Net loans and leases to total assets | 69.8865% | 2,212 |
| Net loans and leases to deposits | 78.1047% | 2,940 |
| Net loans and leases to core deposits | 97.0119% | 1,591 |
| Total domestic deposits to total assets | 89.4781% | 991 |
| Equity capital to assets | 7.6016% | 6,286 |
| Core capital (leverage) ratio | 7.2136% | 6,351 |
| Tier 1 risk-based capital ratio | 9.5373% | 6,429 |
| Total risk-based capital ratio | 10.8296% | 6,398 |
| Memoranda: | ||
| Average total assets | $79,440,750 | 5,135 |
| Average earning assets | $71,370,250 | 5,155 |
| Average equity | $6,014,250 | 5,677 |
| Average total loans | $56,708,500 | 4,635 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7356% | 1,213 |
| Cost of funding earning assets | 0.8026% | 691 |
| Net interest margin | 3.9330% | 2,034 |
| Noninterest income to average assets | 0.1670% | 5,953 |
| Noninterest expense to average assets | 3.4332% | 1,607 |
| Loan and lease loss provision to assets | 0.6607% | 204 |
| Net operating income to assets | -0.2236% | 6,332 |
| Return on assets (ROA) | -0.0848% | 6,262 |
| Pretax return on assets | -0.1670% | 6,292 |
| Return on Equity (ROE) | -1.1212% | 6,280 |
| Retained earnings to average equity (ytd only) | -1.1212% | 5,869 |
| Net charge-offs to loans | 2.8938% | 60 |
| Credit loss provision to net charge-offs | 32.2777% | 3,027 |
| Earnings coverage of net charge-offs (x) | 0.1352% | 4,107 |
| Efficiency ratio | 92.5403% | 726 |
| Assets per employee ($millions) | 3.9800% | 3,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5769% | 235 |
| Loan loss allowance to noncurrent loans | 25.6875% | 5,889 |
| Noncurrent assets plus other real estate owned to assets | 11.9863% | 67 |
| Noncurrent loans to loans | 13.9245% | 39 |
| Net loans and leases to total assets | 67.6993% | 2,462 |
| Net loans and leases to deposits | 75.5909% | 3,112 |
| Net loans and leases to core deposits | 107.1993% | 818 |
| Total domestic deposits to total assets | 89.5602% | 1,048 |
| Equity capital to assets | 7.6132% | 6,318 |
| Core capital (leverage) ratio | 7.0526% | 6,420 |
| Tier 1 risk-based capital ratio | 9.6769% | 6,472 |
| Total risk-based capital ratio | 10.9542% | 6,450 |
| Memoranda: | ||
| Average total assets | $80,216,000 | 5,156 |
| Average earning assets | $72,260,670 | 5,174 |
| Average equity | $6,065,000 | 5,702 |
| Average total loans | $56,742,330 | 4,665 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8209% | 1,005 |
| Cost of funding earning assets | 0.8007% | 745 |
| Net interest margin | 4.0202% | 1,687 |
| Noninterest income to average assets | 0.3428% | 4,635 |
| Noninterest expense to average assets | 3.4275% | 1,635 |
| Loan and lease loss provision to assets | 0.5961% | 222 |
| Net operating income to assets | -0.1093% | 6,292 |
| Return on assets (ROA) | 0.0497% | 6,149 |
| Pretax return on assets | 0.0447% | 6,161 |
| Return on Equity (ROE) | 0.6593% | 6,112 |
| Retained earnings to average equity (ytd only) | 0.6593% | 5,328 |
| Net charge-offs to loans | 6.9267% | 12 |
| Credit loss provision to net charge-offs | 12.1212% | 2,588 |
| Earnings coverage of net charge-offs (x) | 0.0980% | 3,416 |
| Efficiency ratio | 87.6747% | 1,262 |
| Assets per employee ($millions) | 4.2664% | 3,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9884% | 444 |
| Loan loss allowance to noncurrent loans | 23.1424% | 6,014 |
| Noncurrent assets plus other real estate owned to assets | 11.4987% | 83 |
| Noncurrent loans to loans | 12.9132% | 57 |
| Net loans and leases to total assets | 67.4788% | 2,305 |
| Net loans and leases to deposits | 75.3046% | 2,902 |
| Net loans and leases to core deposits | 107.1920% | 710 |
| Total domestic deposits to total assets | 89.6078% | 1,304 |
| Equity capital to assets | 7.4956% | 6,316 |
| Core capital (leverage) ratio | 7.2960% | 6,405 |
| Tier 1 risk-based capital ratio | 9.4341% | 6,557 |
| Total risk-based capital ratio | 10.7036% | 6,538 |
| Memoranda: | ||
| Average total assets | $80,524,500 | 5,199 |
| Average earning assets | $71,439,500 | 5,243 |
| Average equity | $6,067,500 | 5,731 |
| Average total loans | $57,170,000 | 4,679 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7962% | 1,328 |
| Cost of funding earning assets | 0.9035% | 724 |
| Net interest margin | 3.8927% | 2,309 |
| Noninterest income to average assets | 0.8293% | 1,941 |
| Noninterest expense to average assets | 4.0222% | 853 |
| Loan and lease loss provision to assets | 1.4055% | 108 |
| Net operating income to assets | -0.7821% | 6,564 |
| Return on assets (ROA) | -0.7821% | 6,562 |
| Pretax return on assets | -1.0800% | 6,607 |
| Return on Equity (ROE) | -10.6051% | 6,591 |
| Retained earnings to average equity (ytd only) | -10.6051% | 6,547 |
| Net charge-offs to loans | 1.7927% | 230 |
| Credit loss provision to net charge-offs | 117.3871% | 2,052 |
| Earnings coverage of net charge-offs (x) | 0.2719% | 4,995 |
| Efficiency ratio | 92.5132% | 843 |
| Assets per employee ($millions) | 3.8090% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4085% | 145 |
| Loan loss allowance to noncurrent loans | 37.2124% | 5,719 |
| Noncurrent assets plus other real estate owned to assets | 11.2129% | 102 |
| Noncurrent loans to loans | 11.8469% | 78 |
| Net loans and leases to total assets | 69.2616% | 2,131 |
| Net loans and leases to deposits | 77.2937% | 2,815 |
| Net loans and leases to core deposits | 144.5482% | 120 |
| Total domestic deposits to total assets | 89.6084% | 1,269 |
| Equity capital to assets | 7.5749% | 6,244 |
| Core capital (leverage) ratio | 7.1428% | 6,491 |
| Tier 1 risk-based capital ratio | 9.9802% | 6,522 |
| Total risk-based capital ratio | 11.2684% | 6,477 |
| Memoranda: | ||
| Average total assets | $86,941,400 | 5,051 |
| Average earning assets | $78,583,400 | 5,071 |
| Average equity | $6,412,000 | 5,711 |
| Average total loans | $58,069,000 | 4,687 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6930% | 1,613 |
| Cost of funding earning assets | 0.9210% | 739 |
| Net interest margin | 3.7719% | 2,742 |
| Noninterest income to average assets | 0.4059% | 4,486 |
| Noninterest expense to average assets | 3.8445% | 1,031 |
| Loan and lease loss provision to assets | 1.1908% | 121 |
| Net operating income to assets | -0.7081% | 6,652 |
| Return on assets (ROA) | -0.7081% | 6,658 |
| Pretax return on assets | -1.2058% | 6,722 |
| Return on Equity (ROE) | -9.6609% | 6,684 |
| Retained earnings to average equity (ytd only) | -9.6609% | 6,631 |
| Net charge-offs to loans | 2.3959% | 137 |
| Credit loss provision to net charge-offs | 75.8621% | 2,951 |
| Earnings coverage of net charge-offs (x) | -0.0096% | 4,858 |
| Efficiency ratio | 100.3926% | 453 |
| Assets per employee ($millions) | 3.9457% | 3,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6333% | 298 |
| Loan loss allowance to noncurrent loans | 34.9703% | 5,814 |
| Noncurrent assets plus other real estate owned to assets | 9.1284% | 167 |
| Noncurrent loans to loans | 10.3897% | 119 |
| Net loans and leases to total assets | 64.8365% | 2,843 |
| Net loans and leases to deposits | 71.7160% | 3,545 |
| Net loans and leases to core deposits | 114.1669% | 447 |
| Total domestic deposits to total assets | 90.4073% | 782 |
| Equity capital to assets | 7.2875% | 6,466 |
| Core capital (leverage) ratio | 7.1857% | 6,552 |
| Tier 1 risk-based capital ratio | 10.1655% | 6,547 |
| Total risk-based capital ratio | 11.4434% | 6,509 |
| Memoranda: | ||
| Average total assets | $88,679,750 | 5,057 |
| Average earning assets | $80,487,500 | 5,078 |
| Average equity | $6,500,250 | 5,771 |
| Average total loans | $58,097,250 | 4,725 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6692% | 1,653 |
| Cost of funding earning assets | 0.9466% | 724 |
| Net interest margin | 3.7226% | 2,877 |
| Noninterest income to average assets | 0.2732% | 5,497 |
| Noninterest expense to average assets | 3.7669% | 1,145 |
| Loan and lease loss provision to assets | 1.5139% | 84 |
| Net operating income to assets | -0.9585% | 6,747 |
| Return on assets (ROA) | -0.9585% | 6,751 |
| Pretax return on assets | -1.6169% | 6,815 |
| Return on Equity (ROE) | -13.0521% | 6,781 |
| Retained earnings to average equity (ytd only) | -13.0521% | 6,731 |
| Net charge-offs to loans | 0.3621% | 1,754 |
| Credit loss provision to net charge-offs | 643.8095% | 455 |
| Earnings coverage of net charge-offs (x) | -0.4381% | 4,654 |
| Efficiency ratio | 102.8117% | 406 |
| Assets per employee ($millions) | 4.2713% | 3,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0952% | 105 |
| Loan loss allowance to noncurrent loans | 45.7085% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 9.2522% | 177 |
| Noncurrent loans to loans | 11.1471% | 111 |
| Net loans and leases to total assets | 61.1552% | 3,450 |
| Net loans and leases to deposits | 68.6065% | 3,918 |
| Net loans and leases to core deposits | 109.6946% | 573 |
| Total domestic deposits to total assets | 89.1391% | 1,547 |
| Equity capital to assets | 6.9767% | 6,610 |
| Core capital (leverage) ratio | 6.7198% | 6,668 |
| Tier 1 risk-based capital ratio | 10.0100% | 6,632 |
| Total risk-based capital ratio | 11.3059% | 6,598 |
| Memoranda: | ||
| Average total assets | $89,304,330 | 5,071 |
| Average earning assets | $81,341,670 | 5,074 |
| Average equity | $6,558,330 | 5,793 |
| Average total loans | $57,995,000 | 4,746 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6669% | 1,631 |
| Cost of funding earning assets | 0.9373% | 827 |
| Net interest margin | 3.7296% | 2,735 |
| Noninterest income to average assets | 0.3861% | 4,573 |
| Noninterest expense to average assets | 3.7932% | 1,121 |
| Loan and lease loss provision to assets | 0.4579% | 617 |
| Net operating income to assets | -0.2514% | 6,544 |
| Return on assets (ROA) | -0.2514% | 6,577 |
| Pretax return on assets | -0.4534% | 6,659 |
| Return on Equity (ROE) | -3.3390% | 6,625 |
| Retained earnings to average equity (ytd only) | -3.3390% | 6,217 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8818% | 548 |
| Assets per employee ($millions) | 3.8982% | 4,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2249% | 239 |
| Loan loss allowance to noncurrent loans | 40.2144% | 5,603 |
| Noncurrent assets plus other real estate owned to assets | 8.6295% | 272 |
| Noncurrent loans to loans | 10.5059% | 191 |
| Net loans and leases to total assets | 62.6034% | 2,952 |
| Net loans and leases to deposits | 70.9040% | 3,341 |
| Net loans and leases to core deposits | 114.6192% | 375 |
| Total domestic deposits to total assets | 88.2933% | 2,133 |
| Equity capital to assets | 7.4327% | 6,612 |
| Core capital (leverage) ratio | 7.2290% | 6,571 |
| Tier 1 risk-based capital ratio | 10.4541% | 6,593 |
| Total risk-based capital ratio | 11.7382% | 6,563 |
| Memoranda: | ||
| Average total assets | $89,107,500 | 5,121 |
| Average earning assets | $81,510,500 | 5,103 |
| Average equity | $6,708,500 | 5,815 |
| Average total loans | $58,092,500 | 4,774 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8962% | 1,850 |
| Cost of funding earning assets | 0.9735% | 1,502 |
| Net interest margin | 3.9227% | 2,733 |
| Noninterest income to average assets | 0.6390% | 3,055 |
| Noninterest expense to average assets | 3.8398% | 1,188 |
| Loan and lease loss provision to assets | 2.1360% | 81 |
| Net operating income to assets | -1.0768% | 6,766 |
| Return on assets (ROA) | -1.0768% | 6,782 |
| Pretax return on assets | -1.7422% | 6,899 |
| Return on Equity (ROE) | -12.8397% | 6,786 |
| Retained earnings to average equity (ytd only) | -12.8397% | 6,723 |
| Net charge-offs to loans | 3.3709% | 118 |
| Credit loss provision to net charge-offs | 93.9981% | 3,316 |
| Earnings coverage of net charge-offs (x) | 0.1733% | 5,397 |
| Efficiency ratio | 90.6989% | 1,010 |
| Assets per employee ($millions) | 3.5423% | 4,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1230% | 265 |
| Loan loss allowance to noncurrent loans | 33.3333% | 5,924 |
| Noncurrent assets plus other real estate owned to assets | 9.8852% | 222 |
| Noncurrent loans to loans | 12.3689% | 139 |
| Net loans and leases to total assets | 62.3395% | 3,201 |
| Net loans and leases to deposits | 70.8123% | 3,589 |
| Net loans and leases to core deposits | 113.1781% | 434 |
| Total domestic deposits to total assets | 88.0348% | 2,218 |
| Equity capital to assets | 7.6256% | 6,585 |
| Core capital (leverage) ratio | 7.1888% | 6,640 |
| Tier 1 risk-based capital ratio | 10.5741% | 6,527 |
| Total risk-based capital ratio | 11.8569% | 6,479 |
| Memoranda: | ||
| Average total assets | $90,917,200 | 5,061 |
| Average earning assets | $83,309,400 | 5,037 |
| Average equity | $7,624,800 | 5,607 |
| Average total loans | $61,289,200 | 4,664 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3237% | 962 |
| Cost of funding earning assets | 0.9792% | 1,687 |
| Net interest margin | 4.3445% | 1,359 |
| Noninterest income to average assets | 0.1865% | 6,180 |
| Noninterest expense to average assets | 3.6834% | 1,387 |
| Loan and lease loss provision to assets | 1.0097% | 403 |
| Net operating income to assets | -0.3206% | 6,587 |
| Return on assets (ROA) | -0.3206% | 6,644 |
| Pretax return on assets | -0.5245% | 6,712 |
| Return on Equity (ROE) | -3.7401% | 6,664 |
| Retained earnings to average equity (ytd only) | -3.7401% | 6,533 |
| Net charge-offs to loans | 1.0286% | 1,027 |
| Credit loss provision to net charge-offs | 144.3750% | 1,981 |
| Earnings coverage of net charge-offs (x) | 0.6938% | 4,977 |
| Efficiency ratio | 88.3607% | 1,156 |
| Assets per employee ($millions) | 3.6596% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4346% | 223 |
| Loan loss allowance to noncurrent loans | 52.2250% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 7.4686% | 450 |
| Noncurrent loans to loans | 8.4913% | 354 |
| Net loans and leases to total assets | 63.8562% | 3,047 |
| Net loans and leases to deposits | 72.9345% | 3,458 |
| Net loans and leases to core deposits | 116.0180% | 385 |
| Total domestic deposits to total assets | 87.5527% | 2,317 |
| Equity capital to assets | 8.2862% | 6,426 |
| Core capital (leverage) ratio | 8.1559% | 6,185 |
| Tier 1 risk-based capital ratio | 11.5631% | 6,189 |
| Total risk-based capital ratio | 12.8507% | 6,141 |
| Memoranda: | ||
| Average total assets | $91,507,250 | 5,088 |
| Average earning assets | $83,875,000 | 5,077 |
| Average equity | $7,842,750 | 5,598 |
| Average total loans | $62,216,500 | 4,672 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6802% | 504 |
| Cost of funding earning assets | 0.9978% | 1,776 |
| Net interest margin | 4.6824% | 699 |
| Noninterest income to average assets | 0.0350% | 6,906 |
| Noninterest expense to average assets | 3.6891% | 1,392 |
| Loan and lease loss provision to assets | 0.0656% | 4,821 |
| Net operating income to assets | 0.3912% | 5,241 |
| Return on assets (ROA) | 0.3912% | 5,484 |
| Pretax return on assets | 0.5879% | 5,182 |
| Return on Equity (ROE) | 4.5145% | 5,031 |
| Retained earnings to average equity (ytd only) | 4.5145% | 3,600 |
| Net charge-offs to loans | 1.4094% | 724 |
| Credit loss provision to net charge-offs | 6.8027% | 4,769 |
| Earnings coverage of net charge-offs (x) | 0.6780% | 4,717 |
| Efficiency ratio | 84.9522% | 1,539 |
| Assets per employee ($millions) | 3.9564% | 3,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3650% | 562 |
| Loan loss allowance to noncurrent loans | 42.1701% | 5,553 |
| Noncurrent assets plus other real estate owned to assets | 7.1871% | 533 |
| Noncurrent loans to loans | 7.9797% | 435 |
| Net loans and leases to total assets | 65.8626% | 2,697 |
| Net loans and leases to deposits | 76.7929% | 2,873 |
| Net loans and leases to core deposits | 119.5099% | 323 |
| Total domestic deposits to total assets | 85.7666% | 3,477 |
| Equity capital to assets | 8.7926% | 5,922 |
| Core capital (leverage) ratio | 8.3731% | 5,825 |
| Tier 1 risk-based capital ratio | 12.0661% | 5,882 |
| Total risk-based capital ratio | 13.3403% | 5,852 |
| Memoranda: | ||
| Average total assets | $91,513,000 | 5,118 |
| Average earning assets | $84,187,330 | 5,096 |
| Average equity | $7,930,000 | 5,593 |
| Average total loans | $62,577,670 | 4,687 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3475% | 195 |
| Cost of funding earning assets | 1.0154% | 1,888 |
| Net interest margin | 5.3321% | 235 |
| Noninterest income to average assets | -0.4228% | 7,239 |
| Noninterest expense to average assets | 3.6439% | 1,474 |
| Loan and lease loss provision to assets | 0.0654% | 4,601 |
| Net operating income to assets | 0.4577% | 5,007 |
| Return on assets (ROA) | 0.4577% | 5,200 |
| Pretax return on assets | 0.6974% | 4,801 |
| Return on Equity (ROE) | 5.3202% | 4,636 |
| Retained earnings to average equity (ytd only) | 5.3202% | 3,368 |
| Net charge-offs to loans | 0.0127% | 4,522 |
| Credit loss provision to net charge-offs | 750.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 87.5000% | 387 |
| Efficiency ratio | 82.6904% | 1,846 |
| Assets per employee ($millions) | 4.7047% | 2,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0762% | 349 |
| Loan loss allowance to noncurrent loans | 47.2437% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 6.4989% | 692 |
| Noncurrent loans to loans | 8.6280% | 417 |
| Net loans and leases to total assets | 62.8006% | 3,094 |
| Net loans and leases to deposits | 72.7471% | 3,310 |
| Net loans and leases to core deposits | 110.7901% | 506 |
| Total domestic deposits to total assets | 86.3274% | 3,344 |
| Equity capital to assets | 8.4427% | 6,132 |
| Core capital (leverage) ratio | 8.2968% | 5,879 |
| Tier 1 risk-based capital ratio | 12.4322% | 5,657 |
| Total risk-based capital ratio | 13.7173% | 5,593 |
| Memoranda: | ||
| Average total assets | $91,771,000 | 5,156 |
| Average earning assets | $83,119,000 | 5,172 |
| Average equity | $7,894,500 | 5,628 |
| Average total loans | $62,856,500 | 4,705 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5868% | 980 |
| Cost of funding earning assets | 1.3149% | 1,416 |
| Net interest margin | 4.2719% | 1,800 |
| Noninterest income to average assets | 0.9209% | 1,602 |
| Noninterest expense to average assets | 3.8866% | 1,200 |
| Loan and lease loss provision to assets | 1.9749% | 304 |
| Net operating income to assets | -0.5559% | 6,528 |
| Return on assets (ROA) | -0.5559% | 6,569 |
| Pretax return on assets | -1.0008% | 6,734 |
| Return on Equity (ROE) | -6.0646% | 6,584 |
| Retained earnings to average equity (ytd only) | -6.0646% | 6,511 |
| Net charge-offs to loans | 0.7862% | 2,189 |
| Credit loss provision to net charge-offs | 347.6563% | 664 |
| Earnings coverage of net charge-offs (x) | 1.7148% | 4,492 |
| Efficiency ratio | 79.9589% | 2,308 |
| Assets per employee ($millions) | 3.7270% | 4,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8964% | 408 |
| Loan loss allowance to noncurrent loans | 25.3090% | 6,420 |
| Noncurrent assets plus other real estate owned to assets | 12.2796% | 193 |
| Noncurrent loans to loans | 15.3952% | 122 |
| Net loans and leases to total assets | 68.8806% | 2,231 |
| Net loans and leases to deposits | 80.3466% | 2,458 |
| Net loans and leases to core deposits | 117.8925% | 401 |
| Total domestic deposits to total assets | 85.7293% | 3,470 |
| Equity capital to assets | 8.7704% | 5,831 |
| Core capital (leverage) ratio | 8.2453% | 5,930 |
| Tier 1 risk-based capital ratio | 11.6707% | 6,042 |
| Total risk-based capital ratio | 12.9527% | 6,009 |
| Memoranda: | ||
| Average total assets | $90,130,600 | 5,180 |
| Average earning assets | $83,124,200 | 5,136 |
| Average equity | $8,261,000 | 5,486 |
| Average total loans | $65,122,800 | 4,673 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8135% | 683 |
| Cost of funding earning assets | 1.3455% | 1,475 |
| Net interest margin | 4.4680% | 1,224 |
| Noninterest income to average assets | 0.3765% | 4,854 |
| Noninterest expense to average assets | 3.7400% | 1,415 |
| Loan and lease loss provision to assets | 0.8121% | 1,143 |
| Net operating income to assets | 0.0148% | 6,134 |
| Return on assets (ROA) | 0.0148% | 6,233 |
| Pretax return on assets | -0.0620% | 6,294 |
| Return on Equity (ROE) | 0.1594% | 6,228 |
| Retained earnings to average equity (ytd only) | 0.1594% | 5,909 |
| Net charge-offs to loans | 0.9055% | 1,765 |
| Credit loss provision to net charge-offs | 123.8739% | 2,598 |
| Earnings coverage of net charge-offs (x) | 1.1441% | 4,767 |
| Efficiency ratio | 83.2950% | 1,818 |
| Assets per employee ($millions) | 3.7976% | 4,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0594% | 2,178 |
| Loan loss allowance to noncurrent loans | 18.8488% | 6,715 |
| Noncurrent assets plus other real estate owned to assets | 8.9991% | 447 |
| Noncurrent loans to loans | 10.9261% | 295 |
| Net loans and leases to total assets | 69.7110% | 2,138 |
| Net loans and leases to deposits | 81.8004% | 2,397 |
| Net loans and leases to core deposits | 115.3459% | 516 |
| Total domestic deposits to total assets | 85.2209% | 3,663 |
| Equity capital to assets | 9.2120% | 5,494 |
| Core capital (leverage) ratio | 8.8941% | 5,114 |
| Tier 1 risk-based capital ratio | 12.1037% | 5,815 |
| Total risk-based capital ratio | 13.3638% | 5,802 |
| Memoranda: | ||
| Average total assets | $90,301,000 | 5,218 |
| Average earning assets | $83,138,000 | 5,183 |
| Average equity | $8,365,000 | 5,482 |
| Average total loans | $65,375,750 | 4,700 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7497% | 794 |
| Cost of funding earning assets | 1.3563% | 1,615 |
| Net interest margin | 4.3935% | 1,389 |
| Noninterest income to average assets | 0.4110% | 4,585 |
| Noninterest expense to average assets | 3.7747% | 1,385 |
| Loan and lease loss provision to assets | 0.0889% | 5,206 |
| Net operating income to assets | 0.4377% | 4,780 |
| Return on assets (ROA) | 0.4377% | 4,916 |
| Pretax return on assets | 0.6354% | 4,630 |
| Return on Equity (ROE) | 4.7159% | 4,582 |
| Retained earnings to average equity (ytd only) | 4.7159% | 3,187 |
| Net charge-offs to loans | 1.3518% | 1,129 |
| Credit loss provision to net charge-offs | 9.0293% | 5,258 |
| Earnings coverage of net charge-offs (x) | 0.7359% | 4,743 |
| Efficiency ratio | 83.9012% | 1,824 |
| Assets per employee ($millions) | 3.7718% | 4,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2686% | 5,208 |
| Loan loss allowance to noncurrent loans | 15.6896% | 6,843 |
| Noncurrent assets plus other real estate owned to assets | 7.1208% | 704 |
| Noncurrent loans to loans | 8.0858% | 558 |
| Net loans and leases to total assets | 71.0991% | 1,981 |
| Net loans and leases to deposits | 83.1205% | 2,254 |
| Net loans and leases to core deposits | 122.2315% | 371 |
| Total domestic deposits to total assets | 85.5374% | 3,601 |
| Equity capital to assets | 9.4396% | 4,912 |
| Core capital (leverage) ratio | 9.1168% | 4,539 |
| Tier 1 risk-based capital ratio | 12.1678% | 5,645 |
| Total risk-based capital ratio | 13.3882% | 5,652 |
| Memoranda: | ||
| Average total assets | $90,020,670 | 5,253 |
| Average earning assets | $83,760,330 | 5,202 |
| Average equity | $8,354,670 | 5,499 |
| Average total loans | $65,543,670 | 4,740 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4771% | 1,363 |
| Cost of funding earning assets | 1.3550% | 1,854 |
| Net interest margin | 4.1221% | 2,178 |
| Noninterest income to average assets | 0.4634% | 4,162 |
| Noninterest expense to average assets | 3.6449% | 1,663 |
| Loan and lease loss provision to assets | 0.0668% | 5,163 |
| Net operating income to assets | 0.4189% | 4,863 |
| Return on assets (ROA) | 0.4189% | 4,953 |
| Pretax return on assets | 0.6015% | 4,682 |
| Return on Equity (ROE) | 4.5523% | 4,623 |
| Retained earnings to average equity (ytd only) | 4.5523% | 3,446 |
| Net charge-offs to loans | -0.0061% | 6,270 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5041% | 1,899 |
| Assets per employee ($millions) | 3.9436% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8988% | 2,694 |
| Loan loss allowance to noncurrent loans | 20.2766% | 6,764 |
| Noncurrent assets plus other real estate owned to assets | 7.6492% | 642 |
| Noncurrent loans to loans | 9.3647% | 457 |
| Net loans and leases to total assets | 70.9720% | 1,934 |
| Net loans and leases to deposits | 82.6630% | 2,243 |
| Net loans and leases to core deposits | 123.1124% | 364 |
| Total domestic deposits to total assets | 85.8570% | 3,607 |
| Equity capital to assets | 9.1784% | 4,907 |
| Core capital (leverage) ratio | 9.1610% | 4,355 |
| Tier 1 risk-based capital ratio | 11.9702% | 5,721 |
| Total risk-based capital ratio | 13.2287% | 5,701 |
| Memoranda: | ||
| Average total assets | $89,769,500 | 5,297 |
| Average earning assets | $83,840,500 | 5,238 |
| Average equity | $8,259,500 | 5,533 |
| Average total loans | $65,721,500 | 4,783 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7272% | 1,478 |
| Cost of funding earning assets | 1.4934% | 2,689 |
| Net interest margin | 4.2338% | 2,050 |
| Noninterest income to average assets | 1.0551% | 1,345 |
| Noninterest expense to average assets | 3.7582% | 1,567 |
| Loan and lease loss provision to assets | 0.5319% | 3,023 |
| Net operating income to assets | 0.4926% | 4,135 |
| Return on assets (ROA) | 0.4926% | 4,292 |
| Pretax return on assets | 0.7252% | 3,886 |
| Return on Equity (ROE) | 5.6566% | 3,757 |
| Retained earnings to average equity (ytd only) | 5.6566% | 2,014 |
| Net charge-offs to loans | 0.1348% | 5,565 |
| Credit loss provision to net charge-offs | 523.6559% | 435 |
| Earnings coverage of net charge-offs (x) | 12.3763% | 1,513 |
| Efficiency ratio | 74.9347% | 3,217 |
| Assets per employee ($millions) | 3.8625% | 4,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8686% | 2,645 |
| Loan loss allowance to noncurrent loans | 21.6131% | 6,747 |
| Noncurrent assets plus other real estate owned to assets | 7.2785% | 734 |
| Noncurrent loans to loans | 8.6458% | 557 |
| Net loans and leases to total assets | 72.7107% | 1,941 |
| Net loans and leases to deposits | 83.8916% | 2,468 |
| Net loans and leases to core deposits | 122.2260% | 465 |
| Total domestic deposits to total assets | 86.6722% | 2,993 |
| Equity capital to assets | 9.2236% | 4,800 |
| Core capital (leverage) ratio | 8.8246% | 4,818 |
| Tier 1 risk-based capital ratio | 11.8161% | 5,642 |
| Total risk-based capital ratio | 13.0698% | 5,629 |
| Memoranda: | ||
| Average total assets | $91,559,000 | 5,239 |
| Average earning assets | $85,644,000 | 5,157 |
| Average equity | $7,973,000 | 5,720 |
| Average total loans | $68,987,800 | 4,717 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8072% | 1,375 |
| Cost of funding earning assets | 1.5309% | 2,767 |
| Net interest margin | 4.2763% | 1,929 |
| Noninterest income to average assets | 0.4047% | 4,923 |
| Noninterest expense to average assets | 3.4894% | 2,058 |
| Loan and lease loss provision to assets | 0.5493% | 2,748 |
| Net operating income to assets | 0.2732% | 5,266 |
| Return on assets (ROA) | 0.2732% | 5,430 |
| Pretax return on assets | 0.3512% | 5,362 |
| Return on Equity (ROE) | 3.1826% | 5,152 |
| Retained earnings to average equity (ytd only) | 3.1826% | 4,199 |
| Net charge-offs to loans | 0.1720% | 4,934 |
| Credit loss provision to net charge-offs | 422.2222% | 717 |
| Earnings coverage of net charge-offs (x) | 6.9221% | 2,424 |
| Efficiency ratio | 79.4863% | 2,424 |
| Assets per employee ($millions) | 3.9436% | 3,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6605% | 3,295 |
| Loan loss allowance to noncurrent loans | 25.0780% | 6,639 |
| Noncurrent assets plus other real estate owned to assets | 5.2860% | 1,182 |
| Noncurrent loans to loans | 6.6214% | 889 |
| Net loans and leases to total assets | 70.4562% | 2,622 |
| Net loans and leases to deposits | 80.0499% | 3,438 |
| Net loans and leases to core deposits | 127.5126% | 423 |
| Total domestic deposits to total assets | 88.0153% | 1,948 |
| Equity capital to assets | 8.4716% | 6,309 |
| Core capital (leverage) ratio | 8.6017% | 5,342 |
| Tier 1 risk-based capital ratio | 11.0118% | 6,374 |
| Total risk-based capital ratio | 12.2620% | 6,352 |
| Memoranda: | ||
| Average total assets | $92,239,500 | 5,282 |
| Average earning assets | $85,960,750 | 5,209 |
| Average equity | $7,917,750 | 5,818 |
| Average total loans | $69,778,750 | 4,764 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9770% | 1,001 |
| Cost of funding earning assets | 1.5808% | 2,766 |
| Net interest margin | 4.3962% | 1,459 |
| Noninterest income to average assets | 0.4134% | 4,803 |
| Noninterest expense to average assets | 3.4887% | 2,056 |
| Loan and lease loss provision to assets | 0.2647% | 4,279 |
| Net operating income to assets | 0.5293% | 4,199 |
| Return on assets (ROA) | 0.5293% | 4,353 |
| Pretax return on assets | 0.7721% | 3,975 |
| Return on Equity (ROE) | 6.1388% | 3,737 |
| Retained earnings to average equity (ytd only) | 6.1388% | 2,259 |
| Net charge-offs to loans | 0.0880% | 5,254 |
| Credit loss provision to net charge-offs | 390.3226% | 930 |
| Earnings coverage of net charge-offs (x) | 15.2903% | 1,460 |
| Efficiency ratio | 77.0904% | 2,884 |
| Assets per employee ($millions) | 4.3184% | 3,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 4,819 |
| Loan loss allowance to noncurrent loans | 26.1656% | 6,603 |
| Noncurrent assets plus other real estate owned to assets | 3.9995% | 1,732 |
| Noncurrent loans to loans | 5.0336% | 1,367 |
| Net loans and leases to total assets | 76.5080% | 1,390 |
| Net loans and leases to deposits | 87.4677% | 2,267 |
| Net loans and leases to core deposits | 140.0977% | 287 |
| Total domestic deposits to total assets | 87.4700% | 2,274 |
| Equity capital to assets | 8.8415% | 5,684 |
| Core capital (leverage) ratio | 8.6443% | 5,165 |
| Tier 1 risk-based capital ratio | 10.4350% | 6,732 |
| Total risk-based capital ratio | 11.6675% | 6,733 |
| Memoranda: | ||
| Average total assets | $91,437,330 | 5,340 |
| Average earning assets | $85,527,670 | 5,254 |
| Average equity | $7,884,330 | 5,843 |
| Average total loans | $70,435,000 | 4,781 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9356% | 1,114 |
| Cost of funding earning assets | 1.6260% | 2,797 |
| Net interest margin | 4.3096% | 1,658 |
| Noninterest income to average assets | 0.3965% | 4,939 |
| Noninterest expense to average assets | 3.5420% | 1,870 |
| Loan and lease loss provision to assets | 0.0436% | 6,234 |
| Net operating income to assets | 0.5925% | 3,922 |
| Return on assets (ROA) | 0.5925% | 4,069 |
| Pretax return on assets | 0.8408% | 3,703 |
| Return on Equity (ROE) | 6.9587% | 3,367 |
| Retained earnings to average equity (ytd only) | 6.9587% | 2,152 |
| Net charge-offs to loans | -0.0397% | 7,283 |
| Credit loss provision to net charge-offs | -142.8571% | 6,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0197% | 2,561 |
| Assets per employee ($millions) | 4.0940% | 3,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2217% | 5,385 |
| Loan loss allowance to noncurrent loans | 25.1474% | 6,730 |
| Noncurrent assets plus other real estate owned to assets | 3.8415% | 1,807 |
| Noncurrent loans to loans | 4.8582% | 1,507 |
| Net loans and leases to total assets | 76.5713% | 1,420 |
| Net loans and leases to deposits | 87.2923% | 2,358 |
| Net loans and leases to core deposits | 140.3194% | 325 |
| Total domestic deposits to total assets | 87.7183% | 2,226 |
| Equity capital to assets | 8.7711% | 5,606 |
| Core capital (leverage) ratio | 8.4288% | 5,502 |
| Tier 1 risk-based capital ratio | 10.5502% | 6,587 |
| Total risk-based capital ratio | 11.7140% | 6,660 |
| Memoranda: | ||
| Average total assets | $91,813,000 | 5,393 |
| Average earning assets | $85,854,500 | 5,308 |
| Average equity | $7,817,500 | 5,905 |
| Average total loans | $70,498,500 | 4,834 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3900% | 849 |
| Cost of funding earning assets | 2.0069% | 2,930 |
| Net interest margin | 4.3830% | 1,484 |
| Noninterest income to average assets | 0.9195% | 1,872 |
| Noninterest expense to average assets | 3.8566% | 1,576 |
| Loan and lease loss provision to assets | 1.0664% | 2,148 |
| Net operating income to assets | 0.1621% | 5,016 |
| Return on assets (ROA) | 0.1621% | 5,087 |
| Pretax return on assets | 0.1436% | 5,125 |
| Return on Equity (ROE) | 1.9195% | 4,939 |
| Retained earnings to average equity (ytd only) | -7.5877% | 6,299 |
| Net charge-offs to loans | 2.3094% | 1,010 |
| Credit loss provision to net charge-offs | 57.6132% | 6,671 |
| Earnings coverage of net charge-offs (x) | 0.6537% | 5,437 |
| Efficiency ratio | 76.1168% | 3,506 |
| Assets per employee ($millions) | 3.7423% | 4,418 |
| Cash dividends to net income (ytd only)* | 495.3020% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 5,504 |
| Loan loss allowance to noncurrent loans | 30.8487% | 6,413 |
| Noncurrent assets plus other real estate owned to assets | 3.1927% | 2,156 |
| Noncurrent loans to loans | 3.8074% | 1,963 |
| Net loans and leases to total assets | 75.1852% | 1,989 |
| Net loans and leases to deposits | 87.1182% | 2,716 |
| Net loans and leases to core deposits | 119.0787% | 2,024 |
| Total domestic deposits to total assets | 86.3025% | 2,869 |
| Equity capital to assets | 8.2677% | 6,245 |
| Core capital (leverage) ratio | 8.0156% | 6,159 |
| Tier 1 risk-based capital ratio | 10.1430% | 6,749 |
| Total risk-based capital ratio | 11.2590% | 6,831 |
| Memoranda: | ||
| Average total assets | $91,895,200 | 5,338 |
| Average earning assets | $86,949,000 | 5,231 |
| Average equity | $7,762,600 | 6,006 |
| Average total loans | $73,656,000 | 4,742 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4798% | 787 |
| Cost of funding earning assets | 2.0677% | 3,041 |
| Net interest margin | 4.4120% | 1,416 |
| Noninterest income to average assets | 1.0829% | 1,355 |
| Noninterest expense to average assets | 3.8754% | 1,470 |
| Loan and lease loss provision to assets | 1.2826% | 1,499 |
| Net operating income to assets | 0.0904% | 5,493 |
| Return on assets (ROA) | 0.0904% | 5,545 |
| Pretax return on assets | 0.1108% | 5,502 |
| Return on Equity (ROE) | 1.0639% | 5,477 |
| Retained earnings to average equity (ytd only) | -11.6006% | 6,924 |
| Net charge-offs to loans | 2.7572% | 646 |
| Credit loss provision to net charge-offs | 57.2917% | 6,210 |
| Earnings coverage of net charge-offs (x) | 0.6224% | 5,405 |
| Efficiency ratio | 73.5546% | 3,946 |
| Assets per employee ($millions) | 3.8750% | 4,007 |
| Cash dividends to net income (ytd only)* | 1,190.3944% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2184% | 5,012 |
| Loan loss allowance to noncurrent loans | 31.5366% | 6,345 |
| Noncurrent assets plus other real estate owned to assets | 3.3032% | 2,047 |
| Noncurrent loans to loans | 3.8636% | 1,919 |
| Net loans and leases to total assets | 81.9581% | 819 |
| Net loans and leases to deposits | 99.7583% | 1,128 |
| Net loans and leases to core deposits | 159.6041% | 389 |
| Total domestic deposits to total assets | 82.1567% | 4,611 |
| Equity capital to assets | 8.5878% | 6,129 |
| Core capital (leverage) ratio | 8.5452% | 5,413 |
| Tier 1 risk-based capital ratio | 10.0168% | 6,964 |
| Total risk-based capital ratio | 11.2186% | 6,966 |
| Memoranda: | ||
| Average total assets | $91,479,750 | 5,382 |
| Average earning assets | $86,791,250 | 5,275 |
| Average equity | $7,769,500 | 6,059 |
| Average total loans | $74,275,750 | 4,761 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5172% | 790 |
| Cost of funding earning assets | 2.1254% | 3,160 |
| Net interest margin | 4.3918% | 1,427 |
| Noninterest income to average assets | 0.4119% | 5,186 |
| Noninterest expense to average assets | 3.6677% | 1,902 |
| Loan and lease loss provision to assets | 0.9559% | 1,769 |
| Net operating income to assets | 0.0022% | 5,828 |
| Return on assets (ROA) | 0.0022% | 5,908 |
| Pretax return on assets | -0.0282% | 5,903 |
| Return on Equity (ROE) | 0.0256% | 5,911 |
| Retained earnings to average equity (ytd only) | -18.8781% | 7,422 |
| Net charge-offs to loans | 3.8717% | 371 |
| Credit loss provision to net charge-offs | 30.6250% | 6,024 |
| Earnings coverage of net charge-offs (x) | 0.2972% | 5,376 |
| Efficiency ratio | 79.8113% | 3,071 |
| Assets per employee ($millions) | 3.9791% | 3,719 |
| Cash dividends to net income (ytd only)* | 73,800.0000% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7499% | 7,299 |
| Loan loss allowance to noncurrent loans | 28.9419% | 6,568 |
| Noncurrent assets plus other real estate owned to assets | 2.3700% | 2,737 |
| Noncurrent loans to loans | 2.5910% | 2,797 |
| Net loans and leases to total assets | 80.6958% | 1,193 |
| Net loans and leases to deposits | 97.7111% | 1,564 |
| Net loans and leases to core deposits | 147.6449% | 714 |
| Total domestic deposits to total assets | 82.5861% | 4,433 |
| Equity capital to assets | 8.2311% | 6,440 |
| Core capital (leverage) ratio | 8.2135% | 5,961 |
| Tier 1 risk-based capital ratio | 9.7877% | 7,149 |
| Total risk-based capital ratio | 10.5209% | 7,547 |
| Memoranda: | ||
| Average total assets | $92,264,330 | 5,397 |
| Average earning assets | $87,890,670 | 5,270 |
| Average equity | $7,808,000 | 6,085 |
| Average total loans | $74,385,330 | 4,795 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5092% | 849 |
| Cost of funding earning assets | 2.1893% | 3,220 |
| Net interest margin | 4.3199% | 1,546 |
| Noninterest income to average assets | 0.4879% | 4,428 |
| Noninterest expense to average assets | 3.6746% | 1,701 |
| Loan and lease loss provision to assets | 0.1727% | 4,743 |
| Net operating income to assets | 0.4836% | 4,497 |
| Return on assets (ROA) | 0.4836% | 4,689 |
| Pretax return on assets | 0.7643% | 4,211 |
| Return on Equity (ROE) | 5.6384% | 4,197 |
| Retained earnings to average equity (ytd only) | -31.5147% | 7,874 |
| Net charge-offs to loans | -0.0054% | 7,188 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6816% | 2,865 |
| Assets per employee ($millions) | 3.8118% | 4,063 |
| Cash dividends to net income (ytd only)* | 658.9286% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1380% | 1,171 |
| Loan loss allowance to noncurrent loans | 48.3510% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 3.9165% | 1,329 |
| Noncurrent loans to loans | 4.4218% | 1,312 |
| Net loans and leases to total assets | 79.9539% | 1,398 |
| Net loans and leases to deposits | 96.9746% | 1,803 |
| Net loans and leases to core deposits | 144.6611% | 909 |
| Total domestic deposits to total assets | 82.4483% | 4,391 |
| Equity capital to assets | 8.3599% | 6,300 |
| Core capital (leverage) ratio | 8.2164% | 6,067 |
| Tier 1 risk-based capital ratio | 10.0144% | 6,899 |
| Total risk-based capital ratio | 11.2755% | 6,801 |
| Memoranda: | ||
| Average total assets | $92,637,000 | 5,405 |
| Average earning assets | $88,428,500 | 5,274 |
| Average equity | $7,945,500 | 6,078 |
| Average total loans | $74,373,000 | 4,825 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7113% | 1,990 |
| Cost of funding earning assets | 2.6513% | 3,420 |
| Net interest margin | 4.0599% | 2,874 |
| Noninterest income to average assets | 1.3223% | 834 |
| Noninterest expense to average assets | 3.9786% | 1,453 |
| Loan and lease loss provision to assets | 1.0294% | 1,422 |
| Net operating income to assets | 0.1401% | 6,004 |
| Return on assets (ROA) | 0.1401% | 5,829 |
| Pretax return on assets | 0.1691% | 5,801 |
| Return on Equity (ROE) | 1.4633% | 5,782 |
| Retained earnings to average equity (ytd only) | 1.4633% | 4,344 |
| Net charge-offs to loans | 0.4406% | 2,628 |
| Credit loss provision to net charge-offs | 279.5597% | 1,632 |
| Earnings coverage of net charge-offs (x) | 3.2547% | 4,463 |
| Efficiency ratio | 76.8508% | 3,101 |
| Assets per employee ($millions) | 4.2632% | 3,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1040% | 1,065 |
| Loan loss allowance to noncurrent loans | 45.8211% | 5,728 |
| Noncurrent assets plus other real estate owned to assets | 4.0420% | 1,011 |
| Noncurrent loans to loans | 4.5917% | 1,033 |
| Net loans and leases to total assets | 77.2428% | 2,317 |
| Net loans and leases to deposits | 93.9430% | 2,771 |
| Net loans and leases to core deposits | 148.4701% | 915 |
| Total domestic deposits to total assets | 82.2231% | 4,111 |
| Equity capital to assets | 8.7888% | 5,673 |
| Core capital (leverage) ratio | 9.2321% | 4,388 |
| Tier 1 risk-based capital ratio | 11.0298% | 5,699 |
| Total risk-based capital ratio | 12.2908% | 5,579 |
| Memoranda: | ||
| Average total assets | $86,362,400 | 5,466 |
| Average earning assets | $81,996,400 | 5,375 |
| Average equity | $8,269,200 | 5,986 |
| Average total loans | $72,171,600 | 4,793 |