Home > Northstar Bank > Performance and Condition Ratios
Northstar Bank, Performance and Condition Ratios
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2708% | 2,041 |
| Cost of funding earning assets | 0.2433% | 4,589 |
| Net interest margin | 4.0275% | 1,396 |
| Noninterest income to average assets | 1.2632% | 642 |
| Noninterest expense to average assets | 2.9761% | 2,221 |
| Loan and lease loss provision to assets | 0.0552% | 2,701 |
| Net operating income to assets | 1.2231% | 1,449 |
| Return on assets (ROA) | 1.2231% | 1,489 |
| Pretax return on assets | 1.6624% | 1,088 |
| Return on Equity (ROE) | 8.6481% | 2,593 |
| Retained earnings to average equity (ytd only) | -12.8225% | 5,632 |
| Net charge-offs to loans | 3.7286% | 36 |
| Credit loss provision to net charge-offs | 2.2474% | 2,271 |
| Earnings coverage of net charge-offs (x) | 0.6992% | 2,803 |
| Efficiency ratio | 61.9119% | 4,160 |
| Assets per employee ($millions) | 4.3548% | 3,413 |
| Cash dividends to net income (ytd only)* | 248.2696% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1243% | 3,553 |
| Loan loss allowance to noncurrent loans | 143.4295% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.8476% | 2,182 |
| Noncurrent loans to loans | 0.7839% | 2,500 |
| Net loans and leases to total assets | 64.3105% | 3,229 |
| Net loans and leases to deposits | 75.6249% | 3,243 |
| Net loans and leases to core deposits | 79.0426% | 3,385 |
| Total domestic deposits to total assets | 85.0387% | 3,070 |
| Equity capital to assets | 13.9808% | 906 |
| Core capital (leverage) ratio | 8.6122% | 5,143 |
| Tier 1 risk-based capital ratio | 11.0083% | 5,308 |
| Total risk-based capital ratio | 12.0027% | 5,356 |
| Memoranda: | ||
| Average total assets | $2,173,483,500 | 387 |
| Average earning assets | $1,851,267,500 | 408 |
| Average equity | $307,397,500 | 329 |
| Average total loans | $1,432,076,000 | 406 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4151% | 1,778 |
| Cost of funding earning assets | 0.2317% | 4,721 |
| Net interest margin | 4.1834% | 1,156 |
| Noninterest income to average assets | 1.2572% | 718 |
| Noninterest expense to average assets | 3.1526% | 1,890 |
| Loan and lease loss provision to assets | 0.0907% | 2,543 |
| Net operating income to assets | 1.1317% | 1,765 |
| Return on assets (ROA) | 1.1182% | 1,913 |
| Pretax return on assets | 1.5971% | 1,295 |
| Return on Equity (ROE) | 7.5034% | 3,214 |
| Retained earnings to average equity (ytd only) | 3.8176% | 3,205 |
| Net charge-offs to loans | 0.0250% | 3,543 |
| Credit loss provision to net charge-offs | 568.8705% | 596 |
| Earnings coverage of net charge-offs (x) | 106.6419% | 566 |
| Efficiency ratio | 63.4581% | 4,033 |
| Assets per employee ($millions) | 4.6622% | 2,858 |
| Cash dividends to net income (ytd only)* | 49.1217% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0945% | 3,741 |
| Loan loss allowance to noncurrent loans | 96.0109% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 0.8699% | 2,171 |
| Noncurrent loans to loans | 1.1399% | 1,797 |
| Net loans and leases to total assets | 65.6097% | 3,130 |
| Net loans and leases to deposits | 78.0412% | 3,097 |
| Net loans and leases to core deposits | 81.6021% | 3,244 |
| Total domestic deposits to total assets | 84.0706% | 3,399 |
| Equity capital to assets | 14.6053% | 708 |
| Core capital (leverage) ratio | 9.0495% | 4,680 |
| Tier 1 risk-based capital ratio | 11.8212% | 4,844 |
| Total risk-based capital ratio | 12.7929% | 4,934 |
| Memoranda: | ||
| Average total assets | $2,275,673,600 | 362 |
| Average earning assets | $1,956,415,800 | 375 |
| Average equity | $339,140,000 | 290 |
| Average total loans | $1,451,522,600 | 385 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1493% | 2,684 |
| Cost of funding earning assets | 0.1926% | 5,147 |
| Net interest margin | 3.9567% | 1,791 |
| Noninterest income to average assets | 1.4940% | 538 |
| Noninterest expense to average assets | 3.1119% | 1,999 |
| Loan and lease loss provision to assets | 0.1018% | 2,211 |
| Net operating income to assets | 1.2308% | 1,515 |
| Return on assets (ROA) | 1.2066% | 1,719 |
| Pretax return on assets | 1.7071% | 1,097 |
| Return on Equity (ROE) | 8.1895% | 2,915 |
| Retained earnings to average equity (ytd only) | 4.4247% | 3,184 |
| Net charge-offs to loans | 0.0572% | 2,542 |
| Credit loss provision to net charge-offs | 288.1166% | 1,071 |
| Earnings coverage of net charge-offs (x) | 51.8634% | 1,041 |
| Efficiency ratio | 61.4496% | 4,320 |
| Assets per employee ($millions) | 4.4817% | 3,119 |
| Cash dividends to net income (ytd only)* | 45.9710% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8804% | 4,932 |
| Loan loss allowance to noncurrent loans | 159.5540% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.4128% | 3,774 |
| Noncurrent loans to loans | 0.5518% | 3,342 |
| Net loans and leases to total assets | 65.9195% | 3,134 |
| Net loans and leases to deposits | 80.0477% | 2,956 |
| Net loans and leases to core deposits | 83.6602% | 3,160 |
| Total domestic deposits to total assets | 82.3503% | 3,823 |
| Equity capital to assets | 14.8997% | 760 |
| Core capital (leverage) ratio | 9.8476% | 3,752 |
| Tier 1 risk-based capital ratio | 12.1829% | 4,684 |
| Total risk-based capital ratio | 12.9719% | 4,870 |
| Memoranda: | ||
| Average total assets | $1,682,641,500 | 463 |
| Average earning assets | $1,467,472,000 | 472 |
| Average equity | $247,904,000 | 363 |
| Average total loans | $1,039,664,000 | 491 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1011% | 2,855 |
| Cost of funding earning assets | 0.1870% | 5,259 |
| Net interest margin | 3.9141% | 1,933 |
| Noninterest income to average assets | 1.3867% | 600 |
| Noninterest expense to average assets | 3.0554% | 2,192 |
| Loan and lease loss provision to assets | 0.1121% | 2,003 |
| Net operating income to assets | 1.1914% | 1,634 |
| Return on assets (ROA) | 1.1549% | 1,867 |
| Pretax return on assets | 1.6000% | 1,377 |
| Return on Equity (ROE) | 7.8691% | 3,051 |
| Retained earnings to average equity (ytd only) | 4.6194% | 2,970 |
| Net charge-offs to loans | 0.0677% | 2,221 |
| Credit loss provision to net charge-offs | 274.8538% | 1,028 |
| Earnings coverage of net charge-offs (x) | 42.8684% | 1,107 |
| Efficiency ratio | 62.0737% | 4,337 |
| Assets per employee ($millions) | 4.5303% | 2,967 |
| Cash dividends to net income (ytd only)* | 41.2967% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9245% | 4,876 |
| Loan loss allowance to noncurrent loans | 188.5004% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.4006% | 3,892 |
| Noncurrent loans to loans | 0.4904% | 3,612 |
| Net loans and leases to total assets | 62.8924% | 3,517 |
| Net loans and leases to deposits | 77.1135% | 3,252 |
| Net loans and leases to core deposits | 80.6232% | 3,402 |
| Total domestic deposits to total assets | 81.5582% | 4,125 |
| Equity capital to assets | 15.1472% | 705 |
| Core capital (leverage) ratio | 9.7365% | 3,885 |
| Tier 1 risk-based capital ratio | 12.9900% | 4,203 |
| Total risk-based capital ratio | 13.8257% | 4,375 |
| Memoranda: | ||
| Average total assets | $1,677,340,000 | 463 |
| Average earning assets | $1,464,253,670 | 472 |
| Average equity | $246,179,000 | 364 |
| Average total loans | $1,009,679,330 | 508 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0487% | 3,039 |
| Cost of funding earning assets | 0.1786% | 5,383 |
| Net interest margin | 3.8701% | 2,038 |
| Noninterest income to average assets | 1.2503% | 699 |
| Noninterest expense to average assets | 3.0092% | 2,362 |
| Loan and lease loss provision to assets | 0.0817% | 2,316 |
| Net operating income to assets | 1.0623% | 2,041 |
| Return on assets (ROA) | 1.0320% | 2,275 |
| Pretax return on assets | 1.5150% | 1,537 |
| Return on Equity (ROE) | 7.1433% | 3,377 |
| Retained earnings to average equity (ytd only) | 3.8650% | 3,568 |
| Net charge-offs to loans | 0.0234% | 2,464 |
| Credit loss provision to net charge-offs | 594.8276% | 534 |
| Earnings coverage of net charge-offs (x) | 118.4655% | 475 |
| Efficiency ratio | 63.3229% | 4,256 |
| Assets per employee ($millions) | 4.6168% | 2,866 |
| Cash dividends to net income (ytd only)* | 45.8926% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 4,895 |
| Loan loss allowance to noncurrent loans | 153.6310% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.4988% | 3,608 |
| Noncurrent loans to loans | 0.6131% | 3,335 |
| Net loans and leases to total assets | 59.1044% | 3,906 |
| Net loans and leases to deposits | 70.7781% | 3,778 |
| Net loans and leases to core deposits | 74.0937% | 3,888 |
| Total domestic deposits to total assets | 83.5066% | 3,708 |
| Equity capital to assets | 14.7404% | 761 |
| Core capital (leverage) ratio | 9.7705% | 3,817 |
| Tier 1 risk-based capital ratio | 13.5053% | 3,976 |
| Total risk-based capital ratio | 14.3285% | 4,130 |
| Memoranda: | ||
| Average total assets | $1,689,224,000 | 460 |
| Average earning assets | $1,477,904,000 | 468 |
| Average equity | $244,033,500 | 366 |
| Average total loans | $989,681,500 | 514 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0325% | 3,182 |
| Cost of funding earning assets | 0.1712% | 5,524 |
| Net interest margin | 3.8613% | 2,159 |
| Noninterest income to average assets | 1.3349% | 675 |
| Noninterest expense to average assets | 2.9896% | 2,585 |
| Loan and lease loss provision to assets | 0.0789% | 2,705 |
| Net operating income to assets | 1.1665% | 1,681 |
| Return on assets (ROA) | 1.1298% | 1,867 |
| Pretax return on assets | 1.6149% | 1,211 |
| Return on Equity (ROE) | 7.5050% | 3,245 |
| Retained earnings to average equity (ytd only) | 3.6237% | 3,476 |
| Net charge-offs to loans | 0.0425% | 3,371 |
| Credit loss provision to net charge-offs | 311.0599% | 955 |
| Earnings coverage of net charge-offs (x) | 68.2373% | 786 |
| Efficiency ratio | 61.5687% | 4,682 |
| Assets per employee ($millions) | 5.0355% | 2,328 |
| Cash dividends to net income (ytd only)* | 51.7170% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9271% | 4,984 |
| Loan loss allowance to noncurrent loans | 127.2143% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.5283% | 3,525 |
| Noncurrent loans to loans | 0.7288% | 2,999 |
| Net loans and leases to total assets | 57.0029% | 4,199 |
| Net loans and leases to deposits | 67.7857% | 4,148 |
| Net loans and leases to core deposits | 70.6783% | 4,253 |
| Total domestic deposits to total assets | 84.0929% | 3,449 |
| Equity capital to assets | 14.1598% | 879 |
| Core capital (leverage) ratio | 9.4581% | 4,237 |
| Tier 1 risk-based capital ratio | 13.5852% | 3,961 |
| Total risk-based capital ratio | 14.3973% | 4,126 |
| Memoranda: | ||
| Average total assets | $1,711,392,200 | 428 |
| Average earning assets | $1,500,337,000 | 433 |
| Average equity | $257,640,200 | 337 |
| Average total loans | $1,021,853,800 | 474 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0775% | 3,037 |
| Cost of funding earning assets | 0.1725% | 5,607 |
| Net interest margin | 3.9050% | 2,016 |
| Noninterest income to average assets | 1.3872% | 644 |
| Noninterest expense to average assets | 3.0210% | 2,457 |
| Loan and lease loss provision to assets | 0.0841% | 2,490 |
| Net operating income to assets | 1.2080% | 1,625 |
| Return on assets (ROA) | 1.1661% | 1,842 |
| Pretax return on assets | 1.6630% | 1,206 |
| Return on Equity (ROE) | 7.6327% | 3,266 |
| Retained earnings to average equity (ytd only) | 3.8105% | 3,758 |
| Net charge-offs to loans | 0.0216% | 3,501 |
| Credit loss provision to net charge-offs | 646.7066% | 528 |
| Earnings coverage of net charge-offs (x) | 137.5875% | 498 |
| Efficiency ratio | 61.0719% | 4,720 |
| Assets per employee ($millions) | 4.9963% | 2,299 |
| Cash dividends to net income (ytd only)* | 50.0768% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9070% | 5,181 |
| Loan loss allowance to noncurrent loans | 112.3550% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.5885% | 3,517 |
| Noncurrent loans to loans | 0.8073% | 2,950 |
| Net loans and leases to total assets | 58.8903% | 4,027 |
| Net loans and leases to deposits | 71.4397% | 3,829 |
| Net loans and leases to core deposits | 74.8497% | 3,922 |
| Total domestic deposits to total assets | 82.4337% | 4,012 |
| Equity capital to assets | 15.7743% | 600 |
| Core capital (leverage) ratio | 11.1006% | 2,389 |
| Tier 1 risk-based capital ratio | 15.0569% | 3,267 |
| Total risk-based capital ratio | 15.8343% | 3,431 |
| Memoranda: | ||
| Average total assets | $1,712,478,500 | 430 |
| Average earning assets | $1,500,963,500 | 439 |
| Average equity | $261,621,500 | 340 |
| Average total loans | $1,031,774,000 | 468 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 2,805 |
| Cost of funding earning assets | 0.1755% | 5,649 |
| Net interest margin | 3.9496% | 1,808 |
| Noninterest income to average assets | 1.3047% | 715 |
| Noninterest expense to average assets | 3.0093% | 2,526 |
| Loan and lease loss provision to assets | 0.0942% | 2,243 |
| Net operating income to assets | 1.1766% | 1,677 |
| Return on assets (ROA) | 1.1309% | 1,916 |
| Pretax return on assets | 1.6161% | 1,288 |
| Return on Equity (ROE) | 7.4821% | 3,330 |
| Retained earnings to average equity (ytd only) | 3.6365% | 3,711 |
| Net charge-offs to loans | 0.0019% | 3,835 |
| Credit loss provision to net charge-offs | 8,100.0000% | 64 |
| Earnings coverage of net charge-offs (x) | 1,510.5000% | 39 |
| Efficiency ratio | 61.4062% | 4,773 |
| Assets per employee ($millions) | 4.9285% | 2,363 |
| Cash dividends to net income (ytd only)* | 51.3980% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8899% | 5,335 |
| Loan loss allowance to noncurrent loans | 119.3733% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.5372% | 3,827 |
| Noncurrent loans to loans | 0.7455% | 3,249 |
| Net loans and leases to total assets | 59.5766% | 3,895 |
| Net loans and leases to deposits | 72.0573% | 3,717 |
| Net loans and leases to core deposits | 75.7154% | 3,799 |
| Total domestic deposits to total assets | 82.6795% | 4,065 |
| Equity capital to assets | 15.6102% | 584 |
| Core capital (leverage) ratio | 10.7402% | 2,689 |
| Tier 1 risk-based capital ratio | 14.7784% | 3,487 |
| Total risk-based capital ratio | 15.5500% | 3,683 |
| Memoranda: | ||
| Average total assets | $1,720,390,670 | 425 |
| Average earning assets | $1,507,377,330 | 438 |
| Average equity | $260,033,000 | 343 |
| Average total loans | $1,041,162,330 | 468 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0855% | 2,893 |
| Cost of funding earning assets | 0.1783% | 5,691 |
| Net interest margin | 3.9072% | 1,870 |
| Noninterest income to average assets | 1.1888% | 806 |
| Noninterest expense to average assets | 2.9715% | 2,667 |
| Loan and lease loss provision to assets | 0.1241% | 1,675 |
| Net operating income to assets | 1.0996% | 1,873 |
| Return on assets (ROA) | 1.0518% | 2,169 |
| Pretax return on assets | 1.4713% | 1,656 |
| Return on Equity (ROE) | 7.0706% | 3,470 |
| Retained earnings to average equity (ytd only) | 3.2077% | 4,066 |
| Net charge-offs to loans | -0.0201% | 5,050 |
| Credit loss provision to net charge-offs | -1,018.8679% | 4,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6139% | 4,687 |
| Assets per employee ($millions) | 4.8744% | 2,523 |
| Cash dividends to net income (ytd only)* | 54.6329% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8550% | 5,554 |
| Loan loss allowance to noncurrent loans | 170.2132% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.3905% | 4,460 |
| Noncurrent loans to loans | 0.5023% | 4,075 |
| Net loans and leases to total assets | 58.6950% | 3,845 |
| Net loans and leases to deposits | 70.4547% | 3,701 |
| Net loans and leases to core deposits | 74.0463% | 3,770 |
| Total domestic deposits to total assets | 83.3089% | 4,081 |
| Equity capital to assets | 15.0105% | 714 |
| Core capital (leverage) ratio | 10.4101% | 3,088 |
| Tier 1 risk-based capital ratio | 14.4194% | 3,765 |
| Total risk-based capital ratio | 15.1626% | 4,007 |
| Memoranda: | ||
| Average total assets | $1,740,272,000 | 425 |
| Average earning assets | $1,525,883,500 | 429 |
| Average equity | $258,874,500 | 342 |
| Average total loans | $1,056,618,000 | 458 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3923% | 5,546 |
| Cost of funding earning assets | 0.1789% | 5,919 |
| Net interest margin | 3.2134% | 4,879 |
| Noninterest income to average assets | 1.0858% | 1,033 |
| Noninterest expense to average assets | 2.7370% | 3,726 |
| Loan and lease loss provision to assets | 0.0872% | 2,727 |
| Net operating income to assets | 0.7828% | 3,455 |
| Return on assets (ROA) | 0.7453% | 3,750 |
| Pretax return on assets | 1.0863% | 3,137 |
| Return on Equity (ROE) | 5.5756% | 4,373 |
| Retained earnings to average equity (ytd only) | 2.9373% | 4,152 |
| Net charge-offs to loans | 0.0284% | 4,250 |
| Credit loss provision to net charge-offs | 504.7619% | 516 |
| Earnings coverage of net charge-offs (x) | 70.0204% | 705 |
| Efficiency ratio | 67.7587% | 3,936 |
| Assets per employee ($millions) | 4.7555% | 2,651 |
| Cash dividends to net income (ytd only)* | 47.3186% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7542% | 5,875 |
| Loan loss allowance to noncurrent loans | 135.3943% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.5079% | 4,103 |
| Noncurrent loans to loans | 0.5570% | 3,996 |
| Net loans and leases to total assets | 61.7523% | 3,534 |
| Net loans and leases to deposits | 73.8625% | 3,454 |
| Net loans and leases to core deposits | 77.9099% | 3,532 |
| Total domestic deposits to total assets | 83.6044% | 3,878 |
| Equity capital to assets | 14.7413% | 748 |
| Core capital (leverage) ratio | 9.7624% | 3,881 |
| Tier 1 risk-based capital ratio | 14.3589% | 3,857 |
| Total risk-based capital ratio | 15.0872% | 4,148 |
| Memoranda: | ||
| Average total assets | $1,701,393,000 | 418 |
| Average earning assets | $1,514,892,800 | 420 |
| Average equity | $227,417,800 | 364 |
| Average total loans | $1,034,663,000 | 445 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4878% | 1,919 |
| Cost of funding earning assets | 0.2595% | 5,308 |
| Net interest margin | 4.2282% | 1,203 |
| Noninterest income to average assets | 1.4957% | 561 |
| Noninterest expense to average assets | 3.4377% | 1,581 |
| Loan and lease loss provision to assets | 0.0772% | 2,797 |
| Net operating income to assets | 1.1761% | 1,770 |
| Return on assets (ROA) | 1.1254% | 2,011 |
| Pretax return on assets | 1.6375% | 1,218 |
| Return on Equity (ROE) | 8.0144% | 3,196 |
| Retained earnings to average equity (ytd only) | 4.5740% | 3,389 |
| Net charge-offs to loans | 0.0323% | 3,842 |
| Credit loss provision to net charge-offs | 358.9888% | 788 |
| Earnings coverage of net charge-offs (x) | 82.0160% | 689 |
| Efficiency ratio | 64.8669% | 4,398 |
| Assets per employee ($millions) | 3.8903% | 4,110 |
| Cash dividends to net income (ytd only)* | 42.9277% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9737% | 5,326 |
| Loan loss allowance to noncurrent loans | 138.7835% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.7916% | 3,449 |
| Noncurrent loans to loans | 0.7016% | 3,853 |
| Net loans and leases to total assets | 68.6757% | 2,438 |
| Net loans and leases to deposits | 81.1708% | 2,524 |
| Net loans and leases to core deposits | 87.9679% | 2,439 |
| Total domestic deposits to total assets | 84.6063% | 3,497 |
| Equity capital to assets | 13.5335% | 1,167 |
| Core capital (leverage) ratio | 10.1526% | 3,469 |
| Tier 1 risk-based capital ratio | 12.9723% | 4,882 |
| Total risk-based capital ratio | 13.8691% | 5,012 |
| Memoranda: | ||
| Average total assets | $1,103,939,000 | 608 |
| Average earning assets | $967,374,250 | 626 |
| Average equity | $155,016,250 | 490 |
| Average total loans | $734,657,750 | 589 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4696% | 1,931 |
| Cost of funding earning assets | 0.2627% | 5,361 |
| Net interest margin | 4.2069% | 1,227 |
| Noninterest income to average assets | 1.3927% | 624 |
| Noninterest expense to average assets | 3.4198% | 1,632 |
| Loan and lease loss provision to assets | 0.1158% | 2,105 |
| Net operating income to assets | 1.0756% | 2,023 |
| Return on assets (ROA) | 1.0397% | 2,231 |
| Pretax return on assets | 1.5072% | 1,514 |
| Return on Equity (ROE) | 7.3154% | 3,460 |
| Retained earnings to average equity (ytd only) | 4.1276% | 3,548 |
| Net charge-offs to loans | 0.0577% | 3,143 |
| Credit loss provision to net charge-offs | 305.7416% | 841 |
| Earnings coverage of net charge-offs (x) | 43.7177% | 988 |
| Efficiency ratio | 66.1168% | 4,352 |
| Assets per employee ($millions) | 4.0450% | 3,748 |
| Cash dividends to net income (ytd only)* | 43.5768% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9763% | 5,451 |
| Loan loss allowance to noncurrent loans | 138.8007% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.8035% | 3,556 |
| Noncurrent loans to loans | 0.7034% | 3,947 |
| Net loans and leases to total assets | 67.7458% | 2,452 |
| Net loans and leases to deposits | 80.4163% | 2,459 |
| Net loans and leases to core deposits | 87.6903% | 2,347 |
| Total domestic deposits to total assets | 84.2439% | 3,837 |
| Equity capital to assets | 14.3235% | 865 |
| Core capital (leverage) ratio | 11.2590% | 2,186 |
| Tier 1 risk-based capital ratio | 14.1551% | 4,147 |
| Total risk-based capital ratio | 15.0499% | 4,337 |
| Memoranda: | ||
| Average total assets | $1,103,633,000 | 612 |
| Average earning assets | $966,181,670 | 625 |
| Average equity | $156,846,330 | 480 |
| Average total loans | $724,134,000 | 598 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3308% | 2,406 |
| Cost of funding earning assets | 0.2696% | 5,391 |
| Net interest margin | 4.0613% | 1,567 |
| Noninterest income to average assets | 1.2314% | 727 |
| Noninterest expense to average assets | 3.3713% | 1,781 |
| Loan and lease loss provision to assets | 0.2325% | 953 |
| Net operating income to assets | 0.8362% | 2,973 |
| Return on assets (ROA) | 0.8122% | 3,167 |
| Pretax return on assets | 1.1648% | 2,640 |
| Return on Equity (ROE) | 5.7376% | 4,157 |
| Retained earnings to average equity (ytd only) | -0.6889% | 5,675 |
| Net charge-offs to loans | 0.0334% | 2,925 |
| Credit loss provision to net charge-offs | 1,083.0508% | 294 |
| Earnings coverage of net charge-offs (x) | 66.0508% | 613 |
| Efficiency ratio | 69.0473% | 3,995 |
| Assets per employee ($millions) | 3.9184% | 4,106 |
| Cash dividends to net income (ytd only)* | 112.0072% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0667% | 5,260 |
| Loan loss allowance to noncurrent loans | 104.3502% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.9076% | 3,465 |
| Noncurrent loans to loans | 1.0222% | 3,381 |
| Net loans and leases to total assets | 64.0781% | 2,874 |
| Net loans and leases to deposits | 76.0538% | 2,807 |
| Net loans and leases to core deposits | 83.2340% | 2,611 |
| Total domestic deposits to total assets | 84.2537% | 4,186 |
| Equity capital to assets | 14.2071% | 857 |
| Core capital (leverage) ratio | 10.9504% | 2,433 |
| Tier 1 risk-based capital ratio | 14.6098% | 3,940 |
| Total risk-based capital ratio | 15.5834% | 4,061 |
| Memoranda: | ||
| Average total assets | $1,099,264,000 | 618 |
| Average earning assets | $963,046,000 | 634 |
| Average equity | $155,604,500 | 483 |
| Average total loans | $705,693,500 | 612 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6475% | 1,723 |
| Cost of funding earning assets | 0.3294% | 5,330 |
| Net interest margin | 4.3182% | 1,066 |
| Noninterest income to average assets | 1.5577% | 590 |
| Noninterest expense to average assets | 3.6978% | 1,288 |
| Loan and lease loss provision to assets | 0.4225% | 702 |
| Net operating income to assets | 0.7489% | 3,556 |
| Return on assets (ROA) | 0.8997% | 2,870 |
| Pretax return on assets | 1.4196% | 1,718 |
| Return on Equity (ROE) | 6.5712% | 3,789 |
| Retained earnings to average equity (ytd only) | 1.7831% | 4,965 |
| Net charge-offs to loans | 0.0205% | 5,024 |
| Credit loss provision to net charge-offs | 3,502.1739% | 64 |
| Earnings coverage of net charge-offs (x) | 140.1667% | 328 |
| Efficiency ratio | 57.9787% | 5,741 |
| Assets per employee ($millions) | 3.8781% | 4,104 |
| Cash dividends to net income (ytd only)* | 72.8651% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 5,573 |
| Loan loss allowance to noncurrent loans | 111.0758% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 0.8214% | 3,833 |
| Noncurrent loans to loans | 0.8993% | 3,740 |
| Net loans and leases to total assets | 62.9914% | 3,205 |
| Net loans and leases to deposits | 74.8743% | 3,118 |
| Net loans and leases to core deposits | 82.7703% | 2,801 |
| Total domestic deposits to total assets | 84.1296% | 4,113 |
| Equity capital to assets | 14.1037% | 876 |
| Core capital (leverage) ratio | 10.7539% | 2,620 |
| Tier 1 risk-based capital ratio | 14.7953% | 3,786 |
| Total risk-based capital ratio | 15.7000% | 3,925 |
| Memoranda: | ||
| Average total assets | $1,143,988,000 | 575 |
| Average earning assets | $1,014,901,400 | 591 |
| Average equity | $156,637,000 | 478 |
| Average total loans | $673,663,000 | 621 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7296% | 1,523 |
| Cost of funding earning assets | 0.3438% | 5,352 |
| Net interest margin | 4.3857% | 925 |
| Noninterest income to average assets | 1.4209% | 731 |
| Noninterest expense to average assets | 3.1720% | 2,444 |
| Loan and lease loss provision to assets | 0.3926% | 780 |
| Net operating income to assets | 1.1782% | 1,706 |
| Return on assets (ROA) | 1.0677% | 2,214 |
| Pretax return on assets | 1.6507% | 1,214 |
| Return on Equity (ROE) | 7.8539% | 3,197 |
| Retained earnings to average equity (ytd only) | 4.4562% | 3,498 |
| Net charge-offs to loans | 0.0160% | 4,813 |
| Credit loss provision to net charge-offs | 4,250.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 233.1587% | 250 |
| Efficiency ratio | 58.2260% | 5,657 |
| Assets per employee ($millions) | 4.0432% | 3,747 |
| Cash dividends to net income (ytd only)* | 43.2620% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8747% | 6,120 |
| Loan loss allowance to noncurrent loans | 102.4964% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.9553% | 3,757 |
| Noncurrent loans to loans | 0.8534% | 4,114 |
| Net loans and leases to total assets | 58.1741% | 3,983 |
| Net loans and leases to deposits | 69.6596% | 3,830 |
| Net loans and leases to core deposits | 77.2977% | 3,459 |
| Total domestic deposits to total assets | 83.5120% | 4,369 |
| Equity capital to assets | 14.4118% | 848 |
| Core capital (leverage) ratio | 10.9002% | 2,571 |
| Tier 1 risk-based capital ratio | 16.0921% | 3,138 |
| Total risk-based capital ratio | 16.8887% | 3,341 |
| Memoranda: | ||
| Average total assets | $1,154,641,250 | 568 |
| Average earning assets | $1,028,063,000 | 581 |
| Average equity | $156,962,500 | 481 |
| Average total loans | $666,885,750 | 631 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3881% | 2,609 |
| Cost of funding earning assets | 0.3688% | 5,238 |
| Net interest margin | 4.0193% | 1,794 |
| Noninterest income to average assets | 1.3876% | 814 |
| Noninterest expense to average assets | 3.0933% | 2,680 |
| Loan and lease loss provision to assets | 0.3066% | 1,165 |
| Net operating income to assets | 1.0442% | 2,136 |
| Return on assets (ROA) | 0.9042% | 2,912 |
| Pretax return on assets | 1.4322% | 1,830 |
| Return on Equity (ROE) | 6.7783% | 3,730 |
| Retained earnings to average equity (ytd only) | 4.2248% | 3,605 |
| Net charge-offs to loans | 0.0335% | 4,216 |
| Credit loss provision to net charge-offs | 1,592.9204% | 203 |
| Earnings coverage of net charge-offs (x) | 97.6195% | 472 |
| Efficiency ratio | 60.8091% | 5,360 |
| Assets per employee ($millions) | 4.3112% | 3,158 |
| Cash dividends to net income (ytd only)* | 37.6719% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5999% | 6,618 |
| Loan loss allowance to noncurrent loans | 65.7877% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 1.1697% | 3,412 |
| Noncurrent loans to loans | 0.9119% | 4,103 |
| Net loans and leases to total assets | 58.5548% | 3,898 |
| Net loans and leases to deposits | 69.3512% | 3,807 |
| Net loans and leases to core deposits | 76.8661% | 3,443 |
| Total domestic deposits to total assets | 84.4323% | 4,154 |
| Equity capital to assets | 13.8506% | 1,008 |
| Core capital (leverage) ratio | 10.2938% | 3,108 |
| Tier 1 risk-based capital ratio | 15.5346% | 3,463 |
| Total risk-based capital ratio | 16.0908% | 3,845 |
| Memoranda: | ||
| Average total assets | $1,174,285,330 | 557 |
| Average earning assets | $1,047,247,330 | 569 |
| Average equity | $156,646,330 | 479 |
| Average total loans | $674,833,000 | 618 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1998% | 3,307 |
| Cost of funding earning assets | 0.4120% | 4,989 |
| Net interest margin | 3.7879% | 2,497 |
| Noninterest income to average assets | 1.2461% | 983 |
| Noninterest expense to average assets | 2.9429% | 3,186 |
| Loan and lease loss provision to assets | 0.3008% | 1,153 |
| Net operating income to assets | 0.9958% | 2,238 |
| Return on assets (ROA) | 0.8293% | 3,152 |
| Pretax return on assets | 1.2197% | 2,510 |
| Return on Equity (ROE) | 6.3313% | 3,863 |
| Retained earnings to average equity (ytd only) | 6.3313% | 2,489 |
| Net charge-offs to loans | 0.0177% | 3,802 |
| Credit loss provision to net charge-offs | 3,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 168.2333% | 239 |
| Efficiency ratio | 62.0822% | 5,292 |
| Assets per employee ($millions) | 4.4362% | 3,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4920% | 6,796 |
| Loan loss allowance to noncurrent loans | 31.5079% | 5,973 |
| Noncurrent assets plus other real estate owned to assets | 1.4370% | 3,104 |
| Noncurrent loans to loans | 1.5615% | 3,204 |
| Net loans and leases to total assets | 56.1217% | 4,060 |
| Net loans and leases to deposits | 66.7064% | 3,948 |
| Net loans and leases to core deposits | 74.0657% | 3,568 |
| Total domestic deposits to total assets | 84.1324% | 4,419 |
| Equity capital to assets | 13.7945% | 1,095 |
| Core capital (leverage) ratio | 9.7341% | 3,745 |
| Tier 1 risk-based capital ratio | 15.4591% | 3,548 |
| Total risk-based capital ratio | 15.9171% | 4,021 |
| Memoranda: | ||
| Average total assets | $1,196,657,500 | 554 |
| Average earning assets | $1,068,993,500 | 559 |
| Average equity | $156,745,500 | 483 |
| Average total loans | $679,553,000 | 617 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3745% | 6,960 |
| Cost of funding earning assets | 0.2093% | 6,809 |
| Net interest margin | 2.1652% | 6,885 |
| Noninterest income to average assets | 0.6396% | 3,053 |
| Noninterest expense to average assets | 1.8192% | 6,602 |
| Loan and lease loss provision to assets | 0.1741% | 3,442 |
| Net operating income to assets | 0.4238% | 4,990 |
| Return on assets (ROA) | 0.4256% | 5,239 |
| Pretax return on assets | 0.6319% | 4,881 |
| Return on Equity (ROE) | 3.9706% | 5,158 |
| Retained earnings to average equity (ytd only) | 3.9706% | 3,409 |
| Net charge-offs to loans | 0.0654% | 5,033 |
| Credit loss provision to net charge-offs | 450.6944% | 534 |
| Earnings coverage of net charge-offs (x) | 20.7940% | 1,337 |
| Efficiency ratio | 67.3918% | 4,252 |
| Assets per employee ($millions) | 5.3139% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3230% | 6,934 |
| Loan loss allowance to noncurrent loans | 22.5803% | 6,331 |
| Noncurrent assets plus other real estate owned to assets | 1.4305% | 3,249 |
| Noncurrent loans to loans | 1.4305% | 3,452 |
| Net loans and leases to total assets | 56.9590% | 4,125 |
| Net loans and leases to deposits | 72.6694% | 3,306 |
| Net loans and leases to core deposits | 80.6741% | 2,922 |
| Total domestic deposits to total assets | 78.3810% | 6,017 |
| Equity capital to assets | 12.4608% | 1,739 |
| Core capital (leverage) ratio | 8.8813% | 5,061 |
| Tier 1 risk-based capital ratio | 13.0859% | 5,043 |
| Total risk-based capital ratio | 13.3893% | 5,657 |
| Memoranda: | ||
| Average total assets | $1,118,274,800 | 588 |
| Average earning assets | $1,024,166,800 | 574 |
| Average equity | $119,857,000 | 600 |
| Average total loans | $660,340,200 | 623 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0673% | 5,296 |
| Cost of funding earning assets | 0.2792% | 6,701 |
| Net interest margin | 3.7881% | 3,387 |
| Noninterest income to average assets | 0.6168% | 3,176 |
| Noninterest expense to average assets | 4.5930% | 507 |
| Loan and lease loss provision to assets | 0.2509% | 2,556 |
| Net operating income to assets | -0.7094% | 6,780 |
| Return on assets (ROA) | -0.7094% | 6,807 |
| Pretax return on assets | -1.0776% | 6,884 |
| Return on Equity (ROE) | -4.8841% | 6,710 |
| Retained earnings to average equity (ytd only) | -4.8841% | 6,605 |
| Net charge-offs to loans | 0.8128% | 1,346 |
| Credit loss provision to net charge-offs | 79.5539% | 3,634 |
| Earnings coverage of net charge-offs (x) | -2.6208% | 5,673 |
| Efficiency ratio | 116.4072% | 224 |
| Assets per employee ($millions) | 3.8821% | 4,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5866% | 3,572 |
| Loan loss allowance to noncurrent loans | 215.5425% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.2928% | 5,973 |
| Noncurrent loans to loans | 0.7361% | 4,951 |
| Net loans and leases to total assets | 39.1455% | 6,340 |
| Net loans and leases to deposits | 45.5932% | 6,415 |
| Net loans and leases to core deposits | 49.4678% | 6,312 |
| Total domestic deposits to total assets | 85.8582% | 3,328 |
| Equity capital to assets | 13.5399% | 1,332 |
| Core capital (leverage) ratio | 9.5231% | 4,235 |
| Tier 1 risk-based capital ratio | 18.0031% | 2,346 |
| Total risk-based capital ratio | 19.2175% | 2,339 |
| Memoranda: | ||
| Average total assets | $113,705,500 | 4,552 |
| Average earning assets | $94,539,500 | 4,779 |
| Average equity | $16,515,750 | 3,736 |
| Average total loans | $44,129,000 | 5,388 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1286% | 5,203 |
| Cost of funding earning assets | 0.2648% | 6,858 |
| Net interest margin | 3.8639% | 3,070 |
| Noninterest income to average assets | 0.6792% | 2,776 |
| Noninterest expense to average assets | 4.4066% | 598 |
| Loan and lease loss provision to assets | 0.1330% | 3,865 |
| Net operating income to assets | -0.4451% | 6,708 |
| Return on assets (ROA) | -0.4451% | 6,754 |
| Pretax return on assets | -0.6774% | 6,813 |
| Return on Equity (ROE) | -2.9944% | 6,670 |
| Retained earnings to average equity (ytd only) | -2.9944% | 6,459 |
| Net charge-offs to loans | 0.5300% | 2,001 |
| Credit loss provision to net charge-offs | 65.2174% | 3,684 |
| Earnings coverage of net charge-offs (x) | -2.6696% | 5,402 |
| Efficiency ratio | 108.6777% | 353 |
| Assets per employee ($millions) | 3.6186% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6295% | 3,501 |
| Loan loss allowance to noncurrent loans | 176.4706% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.3789% | 5,836 |
| Noncurrent loans to loans | 0.9234% | 4,658 |
| Net loans and leases to total assets | 40.3625% | 6,316 |
| Net loans and leases to deposits | 47.2877% | 6,357 |
| Net loans and leases to core deposits | 48.3326% | 6,437 |
| Total domestic deposits to total assets | 85.3552% | 3,687 |
| Equity capital to assets | 14.2348% | 1,004 |
| Core capital (leverage) ratio | 10.4540% | 2,852 |
| Tier 1 risk-based capital ratio | 18.5217% | 2,127 |
| Total risk-based capital ratio | 19.7428% | 2,094 |
| Memoranda: | ||
| Average total assets | $112,786,330 | 4,596 |
| Average earning assets | $92,912,330 | 4,850 |
| Average equity | $16,764,670 | 3,691 |
| Average total loans | $43,397,000 | 5,457 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9428% | 5,916 |
| Cost of funding earning assets | 0.2580% | 6,985 |
| Net interest margin | 3.6848% | 3,903 |
| Noninterest income to average assets | 0.6260% | 3,078 |
| Noninterest expense to average assets | 4.3575% | 624 |
| Loan and lease loss provision to assets | 0.1344% | 3,671 |
| Net operating income to assets | -0.5482% | 6,851 |
| Return on assets (ROA) | -0.5482% | 6,878 |
| Pretax return on assets | -0.8347% | 6,940 |
| Return on Equity (ROE) | -3.6124% | 6,781 |
| Retained earnings to average equity (ytd only) | -3.6124% | 6,455 |
| Net charge-offs to loans | 0.7794% | 1,317 |
| Credit loss provision to net charge-offs | 46.3415% | 3,339 |
| Earnings coverage of net charge-offs (x) | -2.4146% | 4,627 |
| Efficiency ratio | 113.5397% | 292 |
| Assets per employee ($millions) | 3.6425% | 4,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7630% | 3,111 |
| Loan loss allowance to noncurrent loans | 107.8148% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.6119% | 5,361 |
| Noncurrent loans to loans | 1.6352% | 3,654 |
| Net loans and leases to total assets | 36.7630% | 6,575 |
| Net loans and leases to deposits | 43.5730% | 6,580 |
| Net loans and leases to core deposits | 44.5920% | 6,633 |
| Total domestic deposits to total assets | 84.3710% | 4,336 |
| Equity capital to assets | 15.1322% | 726 |
| Core capital (leverage) ratio | 10.4289% | 2,837 |
| Tier 1 risk-based capital ratio | 20.2264% | 1,653 |
| Total risk-based capital ratio | 21.4723% | 1,627 |
| Memoranda: | ||
| Average total assets | $113,091,500 | 4,617 |
| Average earning assets | $93,031,500 | 4,878 |
| Average equity | $17,163,000 | 3,616 |
| Average total loans | $42,082,000 | 5,548 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6349% | 62 |
| Cost of funding earning assets | 0.6464% | 5,849 |
| Net interest margin | 6.9884% | 52 |
| Noninterest income to average assets | 1.1064% | 1,086 |
| Noninterest expense to average assets | 6.7065% | 155 |
| Loan and lease loss provision to assets | 1.1879% | 744 |
| Net operating income to assets | -0.7599% | 6,637 |
| Return on assets (ROA) | 1.5636% | 781 |
| Pretax return on assets | 1.3715% | 1,873 |
| Return on Equity (ROE) | 11.3188% | 1,614 |
| Retained earnings to average equity (ytd only) | 11.3188% | 368 |
| Net charge-offs to loans | 0.7738% | 2,218 |
| Credit loss provision to net charge-offs | 426.6376% | 534 |
| Earnings coverage of net charge-offs (x) | 0.8472% | 5,164 |
| Efficiency ratio | 91.6988% | 1,064 |
| Assets per employee ($millions) | 3.3313% | 5,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8851% | 2,616 |
| Loan loss allowance to noncurrent loans | 212.3656% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.3284% | 6,152 |
| Noncurrent loans to loans | 0.8877% | 4,915 |
| Net loans and leases to total assets | 36.3016% | 6,748 |
| Net loans and leases to deposits | 43.9716% | 6,722 |
| Net loans and leases to core deposits | 45.0168% | 6,770 |
| Total domestic deposits to total assets | 82.5568% | 4,947 |
| Equity capital to assets | 15.2201% | 733 |
| Core capital (leverage) ratio | 10.1812% | 3,117 |
| Tier 1 risk-based capital ratio | 22.2321% | 1,203 |
| Total risk-based capital ratio | 23.5034% | 1,175 |
| Memoranda: | ||
| Average total assets | $82,248,400 | 5,393 |
| Average earning assets | $68,685,000 | 5,584 |
| Average equity | $11,361,600 | 4,695 |
| Average total loans | $29,594,800 | 6,177 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2216% | 79 |
| Cost of funding earning assets | 0.8211% | 5,000 |
| Net interest margin | 6.4005% | 70 |
| Noninterest income to average assets | 0.9253% | 1,564 |
| Noninterest expense to average assets | 7.5118% | 119 |
| Loan and lease loss provision to assets | 0.1736% | 4,299 |
| Net operating income to assets | -1.1526% | 6,938 |
| Return on assets (ROA) | 1.5267% | 965 |
| Pretax return on assets | 1.2904% | 2,319 |
| Return on Equity (ROE) | 11.4969% | 1,691 |
| Retained earnings to average equity (ytd only) | 11.4969% | 554 |
| Net charge-offs to loans | -0.2966% | 7,304 |
| Credit loss provision to net charge-offs | -164.4068% | 6,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.6777% | 386 |
| Assets per employee ($millions) | 3.7918% | 4,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3708% | 7,249 |
| Loan loss allowance to noncurrent loans | 19.3666% | 6,699 |
| Noncurrent assets plus other real estate owned to assets | 0.6766% | 5,447 |
| Noncurrent loans to loans | 1.9147% | 3,479 |
| Net loans and leases to total assets | 35.2077% | 6,903 |
| Net loans and leases to deposits | 41.0473% | 6,944 |
| Net loans and leases to core deposits | 41.8192% | 6,988 |
| Total domestic deposits to total assets | 85.7735% | 3,341 |
| Equity capital to assets | 13.8738% | 1,213 |
| Core capital (leverage) ratio | 9.3593% | 4,364 |
| Tier 1 risk-based capital ratio | 21.8101% | 1,322 |
| Total risk-based capital ratio | 22.1116% | 1,459 |
| Memoranda: | ||
| Average total assets | $74,494,250 | 5,661 |
| Average earning assets | $62,514,250 | 5,821 |
| Average equity | $9,892,250 | 5,063 |
| Average total loans | $26,516,750 | 6,383 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9774% | 42 |
| Cost of funding earning assets | 1.1115% | 3,158 |
| Net interest margin | 7.8659% | 38 |
| Noninterest income to average assets | 1.1583% | 954 |
| Noninterest expense to average assets | 9.4429% | 82 |
| Loan and lease loss provision to assets | 0.2004% | 3,918 |
| Net operating income to assets | -1.2670% | 7,021 |
| Return on assets (ROA) | 2.5204% | 168 |
| Pretax return on assets | 1.8648% | 765 |
| Return on Equity (ROE) | 19.5822% | 337 |
| Retained earnings to average equity (ytd only) | 19.5822% | 101 |
| Net charge-offs to loans | -0.8261% | 7,430 |
| Credit loss provision to net charge-offs | -67.8161% | 6,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.4100% | 385 |
| Assets per employee ($millions) | 4.2074% | 3,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1301% | 7,414 |
| Loan loss allowance to noncurrent loans | 787.5000% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 7,118 |
| Noncurrent loans to loans | 0.0165% | 6,957 |
| Net loans and leases to total assets | 35.9146% | 6,965 |
| Net loans and leases to deposits | 43.1674% | 6,948 |
| Net loans and leases to core deposits | 44.0222% | 7,003 |
| Total domestic deposits to total assets | 83.1984% | 4,673 |
| Equity capital to assets | 12.3882% | 1,853 |
| Core capital (leverage) ratio | 9.1527% | 4,485 |
| Tier 1 risk-based capital ratio | 18.7209% | 1,930 |
| Total risk-based capital ratio | 18.8268% | 2,282 |
| Memoranda: | ||
| Average total assets | $58,880,000 | 6,180 |
| Average earning assets | $49,123,330 | 6,335 |
| Average equity | $7,578,330 | 5,739 |
| Average total loans | $21,062,670 | 6,743 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2539% | 7,322 |
| Cost of funding earning assets | 0.7042% | 6,106 |
| Net interest margin | 2.5497% | 7,161 |
| Noninterest income to average assets | 0.1905% | 6,359 |
| Noninterest expense to average assets | 3.4854% | 2,045 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.8571% | 6,987 |
| Return on assets (ROA) | -0.8571% | 6,990 |
| Pretax return on assets | -1.2951% | 7,095 |
| Return on Equity (ROE) | -5.9445% | 6,860 |
| Retained earnings to average equity (ytd only) | -5.9445% | 6,589 |
| Net charge-offs to loans | 1.1374% | 1,219 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -3.2381% | 4,993 |
| Efficiency ratio | 159.1304% | 126 |
| Assets per employee ($millions) | 4.2768% | 3,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0316% | 2,326 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 32.4729% | 7,150 |
| Net loans and leases to deposits | 38.8280% | 7,142 |
| Net loans and leases to core deposits | 38.8280% | 7,198 |
| Total domestic deposits to total assets | 83.6326% | 4,652 |
| Equity capital to assets | 13.8094% | 1,065 |
| Core capital (leverage) ratio | 10.0250% | 3,113 |
| Tier 1 risk-based capital ratio | 20.5165% | 1,474 |
| Total risk-based capital ratio | 21.7693% | 1,453 |
| Memoranda: | ||
| Average total assets | $21,002,000 | 7,382 |
| Average earning assets | $16,472,500 | 7,420 |
| Average equity | $3,028,000 | 7,159 |
| Average total loans | $7,385,500 | 7,406 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5950% | 1,911 |
| Cost of funding earning assets | 1.4465% | 2,980 |
| Net interest margin | 4.1485% | 2,371 |
| Noninterest income to average assets | 0.4345% | 4,641 |
| Noninterest expense to average assets | 5.3661% | 327 |
| Loan and lease loss provision to assets | 1.5820% | 913 |
| Net operating income to assets | -2.3173% | 7,144 |
| Return on assets (ROA) | -2.2021% | 7,128 |
| Pretax return on assets | -3.1429% | 7,318 |
| Return on Equity (ROE) | -15.5951% | 6,940 |
| Retained earnings to average equity (ytd only) | -15.5951% | 6,902 |
| Net charge-offs to loans | 3.1943% | 494 |
| Credit loss provision to net charge-offs | 132.5088% | 2,964 |
| Earnings coverage of net charge-offs (x) | -1.4452% | 6,671 |
| Efficiency ratio | 147.3928% | 229 |
| Assets per employee ($millions) | 4.1240% | 3,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8136% | 465 |
| Loan loss allowance to noncurrent loans | 45.5677% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 6.0039% | 989 |
| Noncurrent loans to loans | 8.3691% | 596 |
| Net loans and leases to total assets | 35.8390% | 7,163 |
| Net loans and leases to deposits | 43.5320% | 7,135 |
| Net loans and leases to core deposits | 43.5320% | 7,215 |
| Total domestic deposits to total assets | 82.3278% | 5,081 |
| Equity capital to assets | 15.0485% | 776 |
| Core capital (leverage) ratio | 5.3713% | 7,374 |
| Tier 1 risk-based capital ratio | 10.1224% | 6,921 |
| Total risk-based capital ratio | 11.3923% | 6,888 |
| Memoranda: | ||
| Average total assets | $23,704,200 | 7,378 |
| Average earning assets | $18,319,800 | 7,440 |
| Average equity | $3,347,200 | 7,177 |
| Average total loans | $8,859,400 | 7,431 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6314% | 1,940 |
| Cost of funding earning assets | 1.4772% | 3,106 |
| Net interest margin | 4.1542% | 2,390 |
| Noninterest income to average assets | 0.4521% | 4,544 |
| Noninterest expense to average assets | 5.0935% | 352 |
| Loan and lease loss provision to assets | 1.8794% | 658 |
| Net operating income to assets | -2.4658% | 7,342 |
| Return on assets (ROA) | -2.3043% | 7,320 |
| Pretax return on assets | -3.0452% | 7,433 |
| Return on Equity (ROE) | -16.5478% | 7,145 |
| Retained earnings to average equity (ytd only) | -16.5478% | 7,121 |
| Net charge-offs to loans | 4.1221% | 289 |
| Credit loss provision to net charge-offs | 121.9081% | 3,371 |
| Earnings coverage of net charge-offs (x) | -0.8940% | 6,430 |
| Efficiency ratio | 137.0968% | 262 |
| Assets per employee ($millions) | 4.6482% | 2,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2136% | 691 |
| Loan loss allowance to noncurrent loans | 45.0342% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 3.9155% | 1,797 |
| Noncurrent loans to loans | 7.1359% | 773 |
| Net loans and leases to total assets | 34.0820% | 7,342 |
| Net loans and leases to deposits | 40.8995% | 7,343 |
| Net loans and leases to core deposits | 42.0636% | 7,374 |
| Total domestic deposits to total assets | 83.3312% | 4,446 |
| Equity capital to assets | 14.2249% | 1,106 |
| Core capital (leverage) ratio | 5.7335% | 7,469 |
| Tier 1 risk-based capital ratio | 11.0940% | 6,291 |
| Total risk-based capital ratio | 12.3543% | 6,277 |
| Memoranda: | ||
| Average total assets | $24,475,250 | 7,458 |
| Average earning assets | $19,225,000 | 7,516 |
| Average equity | $3,408,250 | 7,250 |
| Average total loans | $9,153,500 | 7,521 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7644% | 1,519 |
| Cost of funding earning assets | 1.5426% | 2,997 |
| Net interest margin | 4.2218% | 2,086 |
| Noninterest income to average assets | 0.4822% | 4,266 |
| Noninterest expense to average assets | 4.9103% | 405 |
| Loan and lease loss provision to assets | 2.6601% | 405 |
| Net operating income to assets | -2.9478% | 7,501 |
| Return on assets (ROA) | -2.7002% | 7,472 |
| Pretax return on assets | -3.4316% | 7,537 |
| Return on Equity (ROE) | -19.5217% | 7,265 |
| Retained earnings to average equity (ytd only) | -19.5217% | 7,243 |
| Net charge-offs to loans | 5.4661% | 171 |
| Credit loss provision to net charge-offs | 127.7992% | 3,147 |
| Earnings coverage of net charge-offs (x) | -0.5212% | 6,023 |
| Efficiency ratio | 128.3613% | 326 |
| Assets per employee ($millions) | 5.2242% | 1,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0885% | 766 |
| Loan loss allowance to noncurrent loans | 1,182.6087% | 296 |
| Noncurrent assets plus other real estate owned to assets | 4.0734% | 1,679 |
| Noncurrent loans to loans | 0.2612% | 6,710 |
| Net loans and leases to total assets | 32.6749% | 7,464 |
| Net loans and leases to deposits | 38.4667% | 7,482 |
| Net loans and leases to core deposits | 39.4172% | 7,497 |
| Total domestic deposits to total assets | 84.9431% | 3,660 |
| Equity capital to assets | 12.9628% | 1,588 |
| Core capital (leverage) ratio | 6.1558% | 7,457 |
| Tier 1 risk-based capital ratio | 11.5040% | 5,765 |
| Total risk-based capital ratio | 12.7637% | 5,730 |
| Memoranda: | ||
| Average total assets | $24,886,670 | 7,501 |
| Average earning assets | $19,707,330 | 7,564 |
| Average equity | $3,442,330 | 7,281 |
| Average total loans | $9,476,670 | 7,569 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9650% | 1,047 |
| Cost of funding earning assets | 1.4600% | 3,807 |
| Net interest margin | 4.5050% | 1,127 |
| Noninterest income to average assets | 0.6098% | 3,212 |
| Noninterest expense to average assets | 4.8126% | 423 |
| Loan and lease loss provision to assets | 5.4554% | 131 |
| Net operating income to assets | -5.8536% | 7,814 |
| Return on assets (ROA) | -5.9169% | 7,818 |
| Pretax return on assets | -6.1641% | 7,809 |
| Return on Equity (ROE) | -41.3773% | 7,659 |
| Retained earnings to average equity (ytd only) | -41.3773% | 7,643 |
| Net charge-offs to loans | 10.5590% | 48 |
| Credit loss provision to net charge-offs | 127.7992% | 2,759 |
| Earnings coverage of net charge-offs (x) | -0.1506% | 5,135 |
| Efficiency ratio | 115.4150% | 506 |
| Assets per employee ($millions) | 5.1646% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8476% | 936 |
| Loan loss allowance to noncurrent loans | 1,820.0000% | 200 |
| Noncurrent assets plus other real estate owned to assets | 3.8609% | 1,791 |
| Noncurrent loans to loans | 0.1565% | 7,025 |
| Net loans and leases to total assets | 36.0686% | 7,421 |
| Net loans and leases to deposits | 42.4019% | 7,449 |
| Net loans and leases to core deposits | 44.2113% | 7,478 |
| Total domestic deposits to total assets | 85.0637% | 3,644 |
| Equity capital to assets | 12.7793% | 1,610 |
| Core capital (leverage) ratio | 6.8325% | 7,336 |
| Tier 1 risk-based capital ratio | 11.1633% | 5,996 |
| Total risk-based capital ratio | 12.4236% | 5,945 |
| Memoranda: | ||
| Average total assets | $24,269,500 | 7,614 |
| Average earning assets | $19,178,500 | 7,675 |
| Average equity | $3,470,500 | 7,354 |
| Average total loans | $9,811,500 | 7,659 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0581% | 1,647 |
| Cost of funding earning assets | 1.7579% | 4,211 |
| Net interest margin | 4.3002% | 1,720 |
| Noninterest income to average assets | 0.2451% | 6,346 |
| Noninterest expense to average assets | 5.0346% | 505 |
| Loan and lease loss provision to assets | -0.0039% | 7,953 |
| Net operating income to assets | -0.8781% | 6,494 |
| Return on assets (ROA) | -0.7548% | 6,403 |
| Pretax return on assets | -1.1439% | 6,505 |
| Return on Equity (ROE) | -5.1604% | 6,225 |
| Retained earnings to average equity (ytd only) | -5.1604% | 6,043 |
| Net charge-offs to loans | 0.0802% | 6,307 |
| Credit loss provision to net charge-offs | -12.5000% | 7,355 |
| Earnings coverage of net charge-offs (x) | -42.8750% | 7,209 |
| Efficiency ratio | 136.0673% | 415 |
| Assets per employee ($millions) | 2.8395% | 6,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0028% | 2,020 |
| Loan loss allowance to noncurrent loans | 23.2370% | 6,901 |
| Noncurrent assets plus other real estate owned to assets | 5.1285% | 1,182 |
| Noncurrent loans to loans | 8.6190% | 553 |
| Net loans and leases to total assets | 43.2955% | 7,159 |
| Net loans and leases to deposits | 53.0704% | 7,106 |
| Net loans and leases to core deposits | 75.8756% | 6,409 |
| Total domestic deposits to total assets | 81.5813% | 5,118 |
| Equity capital to assets | 16.0284% | 698 |
| Core capital (leverage) ratio | 8.2932% | 5,634 |
| Tier 1 risk-based capital ratio | 14.1703% | 3,394 |
| Total risk-based capital ratio | 15.4228% | 3,352 |
| Memoranda: | ||
| Average total assets | $25,702,200 | 7,619 |
| Average earning assets | $20,650,000 | 7,687 |
| Average equity | $3,759,400 | 7,369 |
| Average total loans | $9,975,400 | 7,710 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9420% | 2,267 |
| Cost of funding earning assets | 1.7864% | 4,439 |
| Net interest margin | 4.1557% | 2,195 |
| Noninterest income to average assets | 0.3630% | 5,597 |
| Noninterest expense to average assets | 4.9352% | 511 |
| Loan and lease loss provision to assets | -0.0050% | 8,037 |
| Net operating income to assets | -0.8080% | 6,698 |
| Return on assets (ROA) | -0.7814% | 6,682 |
| Pretax return on assets | -1.1846% | 6,808 |
| Return on Equity (ROE) | -5.4542% | 6,498 |
| Retained earnings to average equity (ytd only) | -5.4542% | 6,311 |
| Net charge-offs to loans | 0.1205% | 5,494 |
| Credit loss provision to net charge-offs | -11.1111% | 7,171 |
| Earnings coverage of net charge-offs (x) | -27.1108% | 6,945 |
| Efficiency ratio | 133.1973% | 438 |
| Assets per employee ($millions) | 2.7213% | 6,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9843% | 1,839 |
| Loan loss allowance to noncurrent loans | 30.4414% | 6,430 |
| Noncurrent assets plus other real estate owned to assets | 5.8754% | 934 |
| Noncurrent loans to loans | 6.5185% | 882 |
| Net loans and leases to total assets | 40.3356% | 7,449 |
| Net loans and leases to deposits | 49.0103% | 7,459 |
| Net loans and leases to core deposits | 76.1916% | 6,598 |
| Total domestic deposits to total assets | 82.3003% | 4,542 |
| Equity capital to assets | 15.2376% | 942 |
| Core capital (leverage) ratio | 7.9062% | 6,495 |
| Tier 1 risk-based capital ratio | 13.6458% | 3,750 |
| Total risk-based capital ratio | 14.8908% | 3,698 |
| Memoranda: | ||
| Average total assets | $26,448,750 | 7,666 |
| Average earning assets | $21,271,750 | 7,743 |
| Average equity | $3,789,000 | 7,422 |
| Average total loans | $9,960,250 | 7,786 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7084% | 3,488 |
| Cost of funding earning assets | 1.7810% | 4,857 |
| Net interest margin | 3.9274% | 2,989 |
| Noninterest income to average assets | 0.3173% | 5,966 |
| Noninterest expense to average assets | 4.7969% | 597 |
| Loan and lease loss provision to assets | -0.0074% | 8,137 |
| Net operating income to assets | -0.8561% | 6,868 |
| Return on assets (ROA) | -0.8561% | 6,878 |
| Pretax return on assets | -1.2988% | 6,988 |
| Return on Equity (ROE) | -6.0924% | 6,720 |
| Retained earnings to average equity (ytd only) | -6.0924% | 6,462 |
| Net charge-offs to loans | 0.0806% | 5,401 |
| Credit loss provision to net charge-offs | -25.0000% | 6,902 |
| Earnings coverage of net charge-offs (x) | -44.2500% | 6,593 |
| Efficiency ratio | 137.4207% | 456 |
| Assets per employee ($millions) | 2.5934% | 7,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2012% | 1,241 |
| Loan loss allowance to noncurrent loans | 40.5138% | 5,666 |
| Noncurrent assets plus other real estate owned to assets | 3.1156% | 2,020 |
| Noncurrent loans to loans | 5.4333% | 1,071 |
| Net loans and leases to total assets | 35.1199% | 7,739 |
| Net loans and leases to deposits | 43.0842% | 7,728 |
| Net loans and leases to core deposits | 66.5012% | 7,191 |
| Total domestic deposits to total assets | 81.5146% | 4,892 |
| Equity capital to assets | 14.3904% | 1,194 |
| Core capital (leverage) ratio | 8.7547% | 4,998 |
| Tier 1 risk-based capital ratio | 14.6854% | 3,153 |
| Total risk-based capital ratio | 15.9379% | 3,094 |
| Memoranda: | ||
| Average total assets | $27,101,000 | 7,718 |
| Average earning assets | $21,897,670 | 7,800 |
| Average equity | $3,808,000 | 7,473 |
| Average total loans | $9,920,670 | 7,866 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0868% | 1,992 |
| Cost of funding earning assets | 1.9099% | 4,578 |
| Net interest margin | 4.1769% | 1,987 |
| Noninterest income to average assets | 0.3757% | 5,428 |
| Noninterest expense to average assets | 4.5513% | 677 |
| Loan and lease loss provision to assets | 0.0144% | 6,667 |
| Net operating income to assets | -0.5346% | 6,906 |
| Return on assets (ROA) | -0.5346% | 6,957 |
| Pretax return on assets | -0.8091% | 7,041 |
| Return on Equity (ROE) | -3.8482% | 6,876 |
| Retained earnings to average equity (ytd only) | -3.8482% | 6,410 |
| Net charge-offs to loans | 0.1956% | 3,466 |
| Credit loss provision to net charge-offs | 20.0000% | 5,073 |
| Earnings coverage of net charge-offs (x) | -11.0000% | 5,625 |
| Efficiency ratio | 121.1538% | 614 |
| Assets per employee ($millions) | 2.9407% | 6,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1385% | 1,168 |
| Loan loss allowance to noncurrent loans | 42.7386% | 5,684 |
| Noncurrent assets plus other real estate owned to assets | 2.9623% | 1,907 |
| Noncurrent loans to loans | 5.0036% | 1,084 |
| Net loans and leases to total assets | 35.6193% | 7,740 |
| Net loans and leases to deposits | 44.8734% | 7,695 |
| Net loans and leases to core deposits | 63.2175% | 7,344 |
| Total domestic deposits to total assets | 79.3773% | 5,583 |
| Equity capital to assets | 14.5016% | 1,234 |
| Core capital (leverage) ratio | 7.9886% | 6,469 |
| Tier 1 risk-based capital ratio | 15.1217% | 3,003 |
| Total risk-based capital ratio | 16.3748% | 2,948 |
| Memoranda: | ||
| Average total assets | $27,684,500 | 7,743 |
| Average earning assets | $22,409,000 | 7,828 |
| Average equity | $3,846,000 | 7,505 |
| Average total loans | $10,224,500 | 7,899 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9175% | 1,354 |
| Cost of funding earning assets | 2.6930% | 3,188 |
| Net interest margin | 4.2245% | 2,208 |
| Noninterest income to average assets | 0.3428% | 5,994 |
| Noninterest expense to average assets | 4.1030% | 1,275 |
| Loan and lease loss provision to assets | 0.3428% | 3,652 |
| Net operating income to assets | -0.4397% | 6,868 |
| Return on assets (ROA) | -0.4328% | 6,736 |
| Pretax return on assets | -0.6544% | 6,773 |
| Return on Equity (ROE) | -3.3015% | 6,659 |
| Retained earnings to average equity (ytd only) | -3.3015% | 6,176 |
| Net charge-offs to loans | 0.1281% | 4,957 |
| Credit loss provision to net charge-offs | 660.0000% | 646 |
| Earnings coverage of net charge-offs (x) | -6.2000% | 6,857 |
| Efficiency ratio | 108.5165% | 744 |
| Assets per employee ($millions) | 3.2114% | 5,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9416% | 1,330 |
| Loan loss allowance to noncurrent loans | 10,500.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.5086% | 5,658 |
| Noncurrent loans to loans | 0.0185% | 7,450 |
| Net loans and leases to total assets | 36.6952% | 7,807 |
| Net loans and leases to deposits | 43.8881% | 7,851 |
| Net loans and leases to core deposits | 57.0062% | 7,709 |
| Total domestic deposits to total assets | 83.6107% | 3,527 |
| Equity capital to assets | 13.3343% | 1,658 |
| Core capital (leverage) ratio | 8.2382% | 6,083 |
| Tier 1 risk-based capital ratio | 14.2042% | 3,444 |
| Total risk-based capital ratio | 15.4568% | 3,363 |
| Memoranda: | ||
| Average total assets | $28,881,600 | 7,687 |
| Average earning assets | $23,505,600 | 7,804 |
| Average equity | $3,786,200 | 7,582 |
| Average total loans | $11,713,600 | 7,847 |