Home > OldTown Bank > Performance and Condition Ratios
OldTown Bank, Performance and Condition Ratios
| 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 | 4.4796% | 1,569 |
| Cost of funding earning assets | 0.7987% | 493 |
| Net interest margin | 3.6810% | 2,753 |
| Noninterest income to average assets | 0.1958% | 5,333 |
| Noninterest expense to average assets | 3.4669% | 1,241 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0999% | 5,849 |
| Return on assets (ROA) | -0.0907% | 5,860 |
| Pretax return on assets | 0.1197% | 5,720 |
| Return on Equity (ROE) | -0.8510% | 5,865 |
| Retained earnings to average equity (ytd only) | -0.8510% | 5,260 |
| Net charge-offs to loans | 0.1525% | 1,206 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.1600% | 2,857 |
| Efficiency ratio | 97.0558% | 370 |
| Assets per employee ($millions) | 6.4159% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 1,934 |
| Loan loss allowance to noncurrent loans | 88.7993% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 1.8300% | 1,003 |
| Noncurrent loans to loans | 1.7022% | 1,325 |
| Net loans and leases to total assets | 59.2027% | 3,892 |
| Net loans and leases to deposits | 73.3292% | 3,518 |
| Net loans and leases to core deposits | 101.8968% | 1,349 |
| Total domestic deposits to total assets | 80.7355% | 4,572 |
| Equity capital to assets | 10.8718% | 3,083 |
| Core capital (leverage) ratio | 9.9978% | 3,537 |
| Tier 1 risk-based capital ratio | 15.0675% | 3,124 |
| Total risk-based capital ratio | 16.3208% | 3,061 |
| Memoranda: | ||
| Average total assets | $110,299,500 | 4,258 |
| Average earning assets | $101,169,000 | 4,266 |
| Average equity | $11,751,500 | 4,372 |
| Average total loans | $65,588,000 | 4,229 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4810% | 1,656 |
| Cost of funding earning assets | 0.8020% | 485 |
| Net interest margin | 3.6791% | 2,836 |
| Noninterest income to average assets | 0.1216% | 5,801 |
| Noninterest expense to average assets | 2.8922% | 2,882 |
| Loan and lease loss provision to assets | 0.1081% | 2,190 |
| Net operating income to assets | 0.2266% | 5,521 |
| Return on assets (ROA) | 0.3044% | 5,427 |
| Pretax return on assets | 0.5900% | 4,872 |
| Return on Equity (ROE) | 2.9370% | 5,323 |
| Retained earnings to average equity (ytd only) | 2.9370% | 3,970 |
| Net charge-offs to loans | 0.3253% | 921 |
| Credit loss provision to net charge-offs | 56.6038% | 3,301 |
| Earnings coverage of net charge-offs (x) | 3.0189% | 3,790 |
| Efficiency ratio | 83.3809% | 1,237 |
| Assets per employee ($millions) | 5.8699% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5485% | 1,807 |
| Loan loss allowance to noncurrent loans | 62.7160% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 1.9170% | 945 |
| Noncurrent loans to loans | 2.4691% | 753 |
| Net loans and leases to total assets | 57.9191% | 4,099 |
| Net loans and leases to deposits | 71.2949% | 3,789 |
| Net loans and leases to core deposits | 97.6848% | 1,698 |
| Total domestic deposits to total assets | 81.2388% | 4,417 |
| Equity capital to assets | 10.4413% | 3,433 |
| Core capital (leverage) ratio | 9.7536% | 3,830 |
| Tier 1 risk-based capital ratio | 14.8443% | 3,247 |
| Total risk-based capital ratio | 16.1024% | 3,184 |
| Memoranda: | ||
| Average total assets | $111,021,600 | 4,241 |
| Average earning assets | $101,003,800 | 4,263 |
| Average equity | $11,508,400 | 4,391 |
| Average total loans | $65,173,000 | 4,226 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5014% | 1,590 |
| Cost of funding earning assets | 0.8028% | 488 |
| Net interest margin | 3.6986% | 2,779 |
| Noninterest income to average assets | 0.1286% | 5,831 |
| Noninterest expense to average assets | 2.7449% | 3,405 |
| Loan and lease loss provision to assets | 0.2044% | 973 |
| Net operating income to assets | 0.3076% | 5,430 |
| Return on assets (ROA) | 0.4100% | 5,217 |
| Pretax return on assets | 0.6961% | 4,691 |
| Return on Equity (ROE) | 3.9624% | 5,043 |
| Retained earnings to average equity (ytd only) | 3.9624% | 3,651 |
| Net charge-offs to loans | 0.4283% | 593 |
| Credit loss provision to net charge-offs | 81.3397% | 2,594 |
| Earnings coverage of net charge-offs (x) | 2.9474% | 3,576 |
| Efficiency ratio | 78.7513% | 1,848 |
| Assets per employee ($millions) | 5.6486% | 1,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6532% | 1,599 |
| Loan loss allowance to noncurrent loans | 61.0160% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 2.0545% | 980 |
| Noncurrent loans to loans | 2.7095% | 708 |
| Net loans and leases to total assets | 56.2906% | 4,322 |
| Net loans and leases to deposits | 69.0992% | 4,083 |
| Net loans and leases to core deposits | 95.6343% | 1,918 |
| Total domestic deposits to total assets | 81.4634% | 4,345 |
| Equity capital to assets | 10.3416% | 3,768 |
| Core capital (leverage) ratio | 9.7542% | 3,960 |
| Tier 1 risk-based capital ratio | 15.1711% | 3,201 |
| Total risk-based capital ratio | 16.4308% | 3,133 |
| Memoranda: | ||
| Average total assets | $110,895,000 | 4,289 |
| Average earning assets | $100,647,500 | 4,316 |
| Average equity | $11,474,250 | 4,443 |
| Average total loans | $65,063,250 | 4,274 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4177% | 1,795 |
| Cost of funding earning assets | 0.8003% | 501 |
| Net interest margin | 3.6174% | 3,023 |
| Noninterest income to average assets | 0.1343% | 5,887 |
| Noninterest expense to average assets | 2.6987% | 3,598 |
| Loan and lease loss provision to assets | 0.3085% | 484 |
| Net operating income to assets | 0.2337% | 5,622 |
| Return on assets (ROA) | 0.3103% | 5,508 |
| Pretax return on assets | 0.5118% | 5,190 |
| Return on Equity (ROE) | 2.9988% | 5,401 |
| Retained earnings to average equity (ytd only) | 2.9988% | 4,131 |
| Net charge-offs to loans | 0.7301% | 309 |
| Credit loss provision to net charge-offs | 71.4286% | 2,441 |
| Earnings coverage of net charge-offs (x) | 1.6218% | 3,482 |
| Efficiency ratio | 79.3914% | 1,854 |
| Assets per employee ($millions) | 5.7753% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6075% | 1,883 |
| Loan loss allowance to noncurrent loans | 44.7504% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 2.9126% | 583 |
| Noncurrent loans to loans | 3.5922% | 479 |
| Net loans and leases to total assets | 58.0115% | 4,098 |
| Net loans and leases to deposits | 71.3464% | 3,781 |
| Net loans and leases to core deposits | 99.7852% | 1,508 |
| Total domestic deposits to total assets | 81.3096% | 4,513 |
| Equity capital to assets | 10.3190% | 3,665 |
| Core capital (leverage) ratio | 9.6857% | 4,019 |
| Tier 1 risk-based capital ratio | 14.8136% | 3,462 |
| Total risk-based capital ratio | 16.0691% | 3,396 |
| Memoranda: | ||
| Average total assets | $110,203,000 | 4,338 |
| Average earning assets | $99,463,000 | 4,380 |
| Average equity | $11,404,670 | 4,483 |
| Average total loans | $65,197,330 | 4,305 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3931% | 1,792 |
| Cost of funding earning assets | 0.7914% | 529 |
| Net interest margin | 3.6017% | 2,993 |
| Noninterest income to average assets | 0.1123% | 6,029 |
| Noninterest expense to average assets | 2.6440% | 3,772 |
| Loan and lease loss provision to assets | 0.5252% | 188 |
| Net operating income to assets | 0.1021% | 5,871 |
| Return on assets (ROA) | 0.0905% | 5,950 |
| Pretax return on assets | 0.1557% | 5,889 |
| Return on Equity (ROE) | 0.8737% | 5,936 |
| Retained earnings to average equity (ytd only) | 0.8737% | 5,114 |
| Net charge-offs to loans | 1.4790% | 129 |
| Credit loss provision to net charge-offs | 59.9174% | 2,007 |
| Earnings coverage of net charge-offs (x) | 0.7975% | 3,008 |
| Efficiency ratio | 79.0899% | 2,020 |
| Assets per employee ($millions) | 6.1171% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5371% | 2,291 |
| Loan loss allowance to noncurrent loans | 42.8208% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 2.9362% | 653 |
| Noncurrent loans to loans | 3.5897% | 521 |
| Net loans and leases to total assets | 58.8159% | 3,830 |
| Net loans and leases to deposits | 72.4469% | 3,495 |
| Net loans and leases to core deposits | 102.0775% | 1,172 |
| Total domestic deposits to total assets | 81.1848% | 4,771 |
| Equity capital to assets | 10.4779% | 3,558 |
| Core capital (leverage) ratio | 9.4818% | 4,305 |
| Tier 1 risk-based capital ratio | 14.5234% | 3,707 |
| Total risk-based capital ratio | 15.7729% | 3,636 |
| Memoranda: | ||
| Average total assets | $110,439,500 | 4,358 |
| Average earning assets | $99,064,500 | 4,427 |
| Average equity | $11,445,500 | 4,515 |
| Average total loans | $65,448,000 | 4,310 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4362% | 2,112 |
| Cost of funding earning assets | 0.7836% | 704 |
| Net interest margin | 3.6525% | 3,210 |
| Noninterest income to average assets | 0.0727% | 6,235 |
| Noninterest expense to average assets | 2.5723% | 4,318 |
| Loan and lease loss provision to assets | 0.0932% | 2,602 |
| Net operating income to assets | 1.5937% | 711 |
| Return on assets (ROA) | 1.6152% | 722 |
| Pretax return on assets | 0.7344% | 4,496 |
| Return on Equity (ROE) | 17.4624% | 445 |
| Retained earnings to average equity (ytd only) | 17.4624% | 96 |
| Net charge-offs to loans | 0.5987% | 662 |
| Credit loss provision to net charge-offs | 27.8552% | 3,871 |
| Earnings coverage of net charge-offs (x) | 2.4095% | 4,157 |
| Efficiency ratio | 76.1379% | 2,489 |
| Assets per employee ($millions) | 6.1539% | 1,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7014% | 1,768 |
| Loan loss allowance to noncurrent loans | 43.3999% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 3.0920% | 639 |
| Noncurrent loans to loans | 3.9202% | 485 |
| Net loans and leases to total assets | 57.7913% | 4,075 |
| Net loans and leases to deposits | 70.9374% | 3,792 |
| Net loans and leases to core deposits | 98.7840% | 1,483 |
| Total domestic deposits to total assets | 81.4681% | 4,606 |
| Equity capital to assets | 10.2500% | 3,790 |
| Core capital (leverage) ratio | 9.2755% | 4,563 |
| Tier 1 risk-based capital ratio | 14.5806% | 3,733 |
| Total risk-based capital ratio | 15.8342% | 3,661 |
| Memoranda: | ||
| Average total assets | $107,295,400 | 4,429 |
| Average earning assets | $97,110,600 | 4,478 |
| Average equity | $9,924,200 | 4,765 |
| Average total loans | $59,964,800 | 4,492 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4062% | 2,195 |
| Cost of funding earning assets | 0.7784% | 772 |
| Net interest margin | 3.6278% | 3,320 |
| Noninterest income to average assets | 0.1052% | 6,228 |
| Noninterest expense to average assets | 2.5582% | 4,325 |
| Loan and lease loss provision to assets | 0.1253% | 1,998 |
| Net operating income to assets | 0.7091% | 3,893 |
| Return on assets (ROA) | 0.7429% | 3,816 |
| Pretax return on assets | 0.7429% | 4,549 |
| Return on Equity (ROE) | 8.2646% | 3,057 |
| Retained earnings to average equity (ytd only) | 8.2646% | 1,237 |
| Net charge-offs to loans | 0.4999% | 774 |
| Credit loss provision to net charge-offs | 45.4545% | 3,187 |
| Earnings coverage of net charge-offs (x) | 3.0272% | 3,762 |
| Efficiency ratio | 75.4062% | 2,594 |
| Assets per employee ($millions) | 6.5306% | 1,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9740% | 1,302 |
| Loan loss allowance to noncurrent loans | 85.4110% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 2.8328% | 862 |
| Noncurrent loans to loans | 2.3112% | 1,296 |
| Net loans and leases to total assets | 55.7777% | 4,360 |
| Net loans and leases to deposits | 67.5565% | 4,177 |
| Net loans and leases to core deposits | 96.1957% | 1,662 |
| Total domestic deposits to total assets | 82.5646% | 4,277 |
| Equity capital to assets | 9.1469% | 5,214 |
| Core capital (leverage) ratio | 8.9120% | 5,178 |
| Tier 1 risk-based capital ratio | 14.1012% | 4,143 |
| Total risk-based capital ratio | 15.3580% | 4,074 |
| Memoranda: | ||
| Average total assets | $106,426,500 | 4,491 |
| Average earning assets | $96,437,750 | 4,540 |
| Average equity | $9,566,750 | 4,884 |
| Average total loans | $58,675,000 | 4,566 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3960% | 2,189 |
| Cost of funding earning assets | 0.7727% | 818 |
| Net interest margin | 3.6233% | 3,265 |
| Noninterest income to average assets | 0.1640% | 5,971 |
| Noninterest expense to average assets | 2.6064% | 4,222 |
| Loan and lease loss provision to assets | 0.1716% | 1,434 |
| Net operating income to assets | 0.6673% | 4,009 |
| Return on assets (ROA) | 0.7169% | 3,846 |
| Pretax return on assets | 0.7169% | 4,584 |
| Return on Equity (ROE) | 8.0250% | 3,076 |
| Retained earnings to average equity (ytd only) | 8.0250% | 1,320 |
| Net charge-offs to loans | -0.0700% | 6,016 |
| Credit loss provision to net charge-offs | -450.0000% | 5,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6502% | 2,701 |
| Assets per employee ($millions) | 6.6546% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5133% | 696 |
| Loan loss allowance to noncurrent loans | 85.3757% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 3.3689% | 709 |
| Noncurrent loans to loans | 2.9438% | 1,003 |
| Net loans and leases to total assets | 53.8075% | 4,563 |
| Net loans and leases to deposits | 64.1025% | 4,482 |
| Net loans and leases to core deposits | 92.6934% | 1,884 |
| Total domestic deposits to total assets | 83.9397% | 3,938 |
| Equity capital to assets | 9.3168% | 4,965 |
| Core capital (leverage) ratio | 8.9908% | 5,031 |
| Tier 1 risk-based capital ratio | 14.2930% | 4,067 |
| Total risk-based capital ratio | 15.5555% | 3,993 |
| Memoranda: | ||
| Average total assets | $104,895,000 | 4,557 |
| Average earning assets | $94,996,000 | 4,612 |
| Average equity | $9,370,670 | 4,942 |
| Average total loans | $57,176,000 | 4,652 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3419% | 2,358 |
| Cost of funding earning assets | 0.7505% | 968 |
| Net interest margin | 3.5914% | 3,284 |
| Noninterest income to average assets | 0.1883% | 5,838 |
| Noninterest expense to average assets | 2.5628% | 4,404 |
| Loan and lease loss provision to assets | 0.0768% | 2,607 |
| Net operating income to assets | 0.8030% | 3,138 |
| Return on assets (ROA) | 0.8415% | 3,017 |
| Pretax return on assets | 0.8415% | 3,934 |
| Return on Equity (ROE) | 9.6306% | 2,188 |
| Retained earnings to average equity (ytd only) | 9.6306% | 1,068 |
| Net charge-offs to loans | -0.1419% | 6,264 |
| Credit loss provision to net charge-offs | -100.0000% | 4,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4420% | 3,062 |
| Assets per employee ($millions) | 5.8820% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4565% | 857 |
| Loan loss allowance to noncurrent loans | 116.1850% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 2.8977% | 1,004 |
| Noncurrent loans to loans | 2.1143% | 1,736 |
| Net loans and leases to total assets | 52.7693% | 4,564 |
| Net loans and leases to deposits | 64.0292% | 4,310 |
| Net loans and leases to core deposits | 92.0550% | 1,726 |
| Total domestic deposits to total assets | 82.4143% | 4,807 |
| Equity capital to assets | 8.9010% | 5,224 |
| Core capital (leverage) ratio | 9.0009% | 5,011 |
| Tier 1 risk-based capital ratio | 13.8402% | 4,443 |
| Total risk-based capital ratio | 15.1009% | 4,384 |
| Memoranda: | ||
| Average total assets | $104,105,500 | 4,626 |
| Average earning assets | $94,337,000 | 4,674 |
| Average equity | $9,096,000 | 5,025 |
| Average total loans | $56,380,000 | 4,714 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3339% | 2,829 |
| Cost of funding earning assets | 0.9437% | 594 |
| Net interest margin | 3.3902% | 4,315 |
| Noninterest income to average assets | 0.1628% | 6,116 |
| Noninterest expense to average assets | 2.5744% | 4,543 |
| Loan and lease loss provision to assets | 0.2536% | 1,423 |
| Net operating income to assets | 0.4164% | 5,094 |
| Return on assets (ROA) | 0.4581% | 5,049 |
| Pretax return on assets | 0.4581% | 5,331 |
| Return on Equity (ROE) | 4.7252% | 4,759 |
| Retained earnings to average equity (ytd only) | 4.7252% | 2,794 |
| Net charge-offs to loans | 0.7677% | 818 |
| Credit loss provision to net charge-offs | 59.7052% | 3,575 |
| Earnings coverage of net charge-offs (x) | 1.5774% | 4,530 |
| Efficiency ratio | 79.3503% | 2,262 |
| Assets per employee ($millions) | 6.3959% | 1,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4620% | 865 |
| Loan loss allowance to noncurrent loans | 67.7579% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 3.4641% | 848 |
| Noncurrent loans to loans | 3.6335% | 837 |
| Net loans and leases to total assets | 52.8822% | 4,738 |
| Net loans and leases to deposits | 64.1128% | 4,495 |
| Net loans and leases to core deposits | 92.0984% | 1,787 |
| Total domestic deposits to total assets | 82.4830% | 4,717 |
| Equity capital to assets | 8.5679% | 5,508 |
| Core capital (leverage) ratio | 9.2240% | 4,685 |
| Tier 1 risk-based capital ratio | 13.9100% | 4,355 |
| Total risk-based capital ratio | 15.1651% | 4,290 |
| Memoranda: | ||
| Average total assets | $95,829,400 | 4,840 |
| Average earning assets | $87,103,400 | 4,852 |
| Average equity | $9,290,600 | 5,018 |
| Average total loans | $53,018,200 | 4,840 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3549% | 2,756 |
| Cost of funding earning assets | 0.9716% | 568 |
| Net interest margin | 3.3833% | 4,345 |
| Noninterest income to average assets | 0.3100% | 5,225 |
| Noninterest expense to average assets | 2.5505% | 4,549 |
| Loan and lease loss provision to assets | 0.3001% | 1,127 |
| Net operating income to assets | 0.5350% | 4,640 |
| Return on assets (ROA) | 0.5916% | 4,518 |
| Pretax return on assets | 0.5916% | 5,049 |
| Return on Equity (ROE) | 5.9156% | 4,231 |
| Retained earnings to average equity (ytd only) | 5.9156% | 2,468 |
| Net charge-offs to loans | 0.4249% | 1,506 |
| Credit loss provision to net charge-offs | 126.9461% | 1,854 |
| Earnings coverage of net charge-offs (x) | 3.5330% | 3,673 |
| Efficiency ratio | 75.3344% | 2,842 |
| Assets per employee ($millions) | 5.9956% | 1,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9977% | 552 |
| Loan loss allowance to noncurrent loans | 76.4192% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 3.9289% | 802 |
| Noncurrent loans to loans | 3.9227% | 901 |
| Net loans and leases to total assets | 53.1283% | 4,730 |
| Net loans and leases to deposits | 61.4863% | 4,818 |
| Net loans and leases to core deposits | 86.1946% | 2,386 |
| Total domestic deposits to total assets | 86.4068% | 3,023 |
| Equity capital to assets | 9.2547% | 4,856 |
| Core capital (leverage) ratio | 9.4476% | 4,478 |
| Tier 1 risk-based capital ratio | 15.0780% | 3,701 |
| Total risk-based capital ratio | 16.3445% | 3,642 |
| Memoranda: | ||
| Average total assets | $94,203,000 | 4,932 |
| Average earning assets | $85,633,500 | 4,937 |
| Average equity | $9,421,250 | 5,049 |
| Average total loans | $52,402,000 | 4,907 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3978% | 2,572 |
| Cost of funding earning assets | 0.9835% | 588 |
| Net interest margin | 3.4143% | 4,141 |
| Noninterest income to average assets | 0.1645% | 6,231 |
| Noninterest expense to average assets | 2.5527% | 4,556 |
| Loan and lease loss provision to assets | 0.3738% | 869 |
| Net operating income to assets | 0.3525% | 5,393 |
| Return on assets (ROA) | 0.4379% | 5,232 |
| Pretax return on assets | 0.4379% | 5,555 |
| Return on Equity (ROE) | 4.2698% | 5,104 |
| Retained earnings to average equity (ytd only) | 4.2698% | 3,577 |
| Net charge-offs to loans | 0.6532% | 1,001 |
| Credit loss provision to net charge-offs | 102.3392% | 2,164 |
| Earnings coverage of net charge-offs (x) | 1.9883% | 3,857 |
| Efficiency ratio | 77.8502% | 2,482 |
| Assets per employee ($millions) | 5.7085% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8913% | 648 |
| Loan loss allowance to noncurrent loans | 151.3807% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 2.8039% | 1,474 |
| Noncurrent loans to loans | 1.9099% | 2,495 |
| Net loans and leases to total assets | 53.1259% | 4,718 |
| Net loans and leases to deposits | 63.2558% | 4,592 |
| Net loans and leases to core deposits | 90.2528% | 1,891 |
| Total domestic deposits to total assets | 83.9858% | 4,324 |
| Equity capital to assets | 9.5131% | 4,563 |
| Core capital (leverage) ratio | 9.4230% | 4,354 |
| Tier 1 risk-based capital ratio | 14.7551% | 3,940 |
| Total risk-based capital ratio | 16.0212% | 3,890 |
| Memoranda: | ||
| Average total assets | $93,627,330 | 4,970 |
| Average earning assets | $85,406,330 | 4,969 |
| Average equity | $9,602,330 | 5,037 |
| Average total loans | $52,355,670 | 4,937 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3566% | 2,670 |
| Cost of funding earning assets | 0.9992% | 612 |
| Net interest margin | 3.3574% | 4,284 |
| Noninterest income to average assets | 0.1610% | 6,295 |
| Noninterest expense to average assets | 2.6241% | 4,322 |
| Loan and lease loss provision to assets | 0.2263% | 1,623 |
| Net operating income to assets | 0.3960% | 5,142 |
| Return on assets (ROA) | 0.3960% | 5,286 |
| Pretax return on assets | 0.3960% | 5,568 |
| Return on Equity (ROE) | 3.7190% | 5,229 |
| Retained earnings to average equity (ytd only) | 3.7190% | 4,000 |
| Net charge-offs to loans | 0.3847% | 1,493 |
| Credit loss provision to net charge-offs | 104.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | 2.8600% | 2,920 |
| Efficiency ratio | 80.8311% | 2,202 |
| Assets per employee ($millions) | 5.4345% | 1,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0124% | 651 |
| Loan loss allowance to noncurrent loans | 97.0849% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 3.1076% | 1,424 |
| Noncurrent loans to loans | 3.1029% | 1,603 |
| Net loans and leases to total assets | 53.3890% | 4,499 |
| Net loans and leases to deposits | 64.7424% | 4,220 |
| Net loans and leases to core deposits | 90.1685% | 1,680 |
| Total domestic deposits to total assets | 82.4638% | 5,035 |
| Equity capital to assets | 10.6791% | 3,343 |
| Core capital (leverage) ratio | 9.4883% | 4,107 |
| Tier 1 risk-based capital ratio | 15.2995% | 3,655 |
| Total risk-based capital ratio | 16.5666% | 3,600 |
| Memoranda: | ||
| Average total assets | $91,918,500 | 5,054 |
| Average earning assets | $84,470,000 | 5,028 |
| Average equity | $9,787,500 | 5,040 |
| Average total loans | $51,988,000 | 4,986 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7614% | 2,358 |
| Cost of funding earning assets | 1.1153% | 855 |
| Net interest margin | 3.6461% | 3,895 |
| Noninterest income to average assets | -0.1096% | 6,922 |
| Noninterest expense to average assets | 2.4336% | 5,307 |
| Loan and lease loss provision to assets | 0.8599% | 537 |
| Net operating income to assets | -0.0057% | 6,177 |
| Return on assets (ROA) | 0.2615% | 5,804 |
| Pretax return on assets | 0.2615% | 5,899 |
| Return on Equity (ROE) | 2.3733% | 5,800 |
| Retained earnings to average equity (ytd only) | 2.3733% | 4,563 |
| Net charge-offs to loans | 1.3114% | 735 |
| Credit loss provision to net charge-offs | 112.8936% | 2,578 |
| Earnings coverage of net charge-offs (x) | 1.1214% | 4,901 |
| Efficiency ratio | 74.0188% | 3,067 |
| Assets per employee ($millions) | 5.7157% | 1,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8803% | 747 |
| Loan loss allowance to noncurrent loans | 79.6460% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 2.4614% | 1,989 |
| Noncurrent loans to loans | 3.6163% | 1,356 |
| Net loans and leases to total assets | 56.4127% | 4,221 |
| Net loans and leases to deposits | 68.3945% | 3,921 |
| Net loans and leases to core deposits | 96.7899% | 1,243 |
| Total domestic deposits to total assets | 82.4813% | 4,939 |
| Equity capital to assets | 10.6166% | 3,381 |
| Core capital (leverage) ratio | 9.5708% | 4,007 |
| Tier 1 risk-based capital ratio | 15.5761% | 3,386 |
| Total risk-based capital ratio | 16.8449% | 3,335 |
| Memoranda: | ||
| Average total assets | $87,564,600 | 5,151 |
| Average earning assets | $81,594,200 | 5,086 |
| Average equity | $9,649,200 | 5,065 |
| Average total loans | $50,860,200 | 5,076 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7695% | 2,513 |
| Cost of funding earning assets | 1.1371% | 918 |
| Net interest margin | 3.6324% | 4,088 |
| Noninterest income to average assets | -0.0277% | 6,982 |
| Noninterest expense to average assets | 2.4759% | 5,162 |
| Loan and lease loss provision to assets | 0.3665% | 1,775 |
| Net operating income to assets | 0.5189% | 4,769 |
| Return on assets (ROA) | 0.8792% | 3,326 |
| Pretax return on assets | 0.8792% | 4,196 |
| Return on Equity (ROE) | 7.9021% | 3,325 |
| Retained earnings to average equity (ytd only) | 7.9021% | 1,658 |
| Net charge-offs to loans | 0.7025% | 1,573 |
| Credit loss provision to net charge-offs | 89.8113% | 3,303 |
| Earnings coverage of net charge-offs (x) | 2.1698% | 4,174 |
| Efficiency ratio | 73.6601% | 3,039 |
| Assets per employee ($millions) | 5.9364% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6305% | 1,051 |
| Loan loss allowance to noncurrent loans | 59.8732% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 3.3949% | 1,486 |
| Noncurrent loans to loans | 4.3934% | 1,092 |
| Net loans and leases to total assets | 58.8628% | 3,981 |
| Net loans and leases to deposits | 72.1671% | 3,585 |
| Net loans and leases to core deposits | 103.6136% | 887 |
| Total domestic deposits to total assets | 81.5646% | 5,170 |
| Equity capital to assets | 11.2953% | 2,943 |
| Core capital (leverage) ratio | 10.2971% | 3,169 |
| Tier 1 risk-based capital ratio | 15.9136% | 3,313 |
| Total risk-based capital ratio | 17.1483% | 3,293 |
| Memoranda: | ||
| Average total assets | $86,593,000 | 5,220 |
| Average earning assets | $80,789,750 | 5,152 |
| Average equity | $9,634,250 | 5,120 |
| Average total loans | $50,295,250 | 5,155 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7450% | 2,739 |
| Cost of funding earning assets | 1.1638% | 966 |
| Net interest margin | 3.5812% | 4,342 |
| Noninterest income to average assets | 0.1189% | 6,590 |
| Noninterest expense to average assets | 2.7700% | 4,135 |
| Loan and lease loss provision to assets | 0.3218% | 2,048 |
| Net operating income to assets | 0.3707% | 5,342 |
| Return on assets (ROA) | 0.9163% | 3,089 |
| Pretax return on assets | 0.9163% | 4,016 |
| Return on Equity (ROE) | 8.2798% | 3,125 |
| Retained earnings to average equity (ytd only) | 8.2798% | 1,535 |
| Net charge-offs to loans | 0.2687% | 2,969 |
| Credit loss provision to net charge-offs | 209.0909% | 1,351 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 3,061 |
| Efficiency ratio | 80.0000% | 2,175 |
| Assets per employee ($millions) | 5.4385% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8982% | 871 |
| Loan loss allowance to noncurrent loans | 84.1287% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 2.9339% | 1,883 |
| Noncurrent loans to loans | 3.4449% | 1,676 |
| Net loans and leases to total assets | 58.3720% | 4,102 |
| Net loans and leases to deposits | 71.6373% | 3,665 |
| Net loans and leases to core deposits | 104.6523% | 814 |
| Total domestic deposits to total assets | 81.4827% | 5,307 |
| Equity capital to assets | 11.2301% | 2,861 |
| Core capital (leverage) ratio | 10.2817% | 3,066 |
| Tier 1 risk-based capital ratio | 15.4950% | 3,445 |
| Total risk-based capital ratio | 16.7617% | 3,399 |
| Memoranda: | ||
| Average total assets | $85,775,330 | 5,283 |
| Average earning assets | $80,085,000 | 5,202 |
| Average equity | $9,493,000 | 5,157 |
| Average total loans | $49,116,670 | 5,229 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4418% | 4,154 |
| Cost of funding earning assets | 1.1962% | 1,005 |
| Net interest margin | 3.2455% | 5,637 |
| Noninterest income to average assets | 0.1174% | 6,666 |
| Noninterest expense to average assets | 2.5412% | 5,019 |
| Loan and lease loss provision to assets | 0.5308% | 1,128 |
| Net operating income to assets | 0.0658% | 6,303 |
| Return on assets (ROA) | 1.1649% | 2,020 |
| Pretax return on assets | 1.1649% | 3,047 |
| Return on Equity (ROE) | 10.6057% | 2,188 |
| Retained earnings to average equity (ytd only) | 10.6057% | 1,139 |
| Net charge-offs to loans | 0.6313% | 1,533 |
| Credit loss provision to net charge-offs | 150.6667% | 1,661 |
| Earnings coverage of net charge-offs (x) | 1.6933% | 3,482 |
| Efficiency ratio | 80.9880% | 2,077 |
| Assets per employee ($millions) | 4.9231% | 2,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9322% | 890 |
| Loan loss allowance to noncurrent loans | 81.1952% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 3.2142% | 1,802 |
| Noncurrent loans to loans | 3.6112% | 1,722 |
| Net loans and leases to total assets | 58.5815% | 3,947 |
| Net loans and leases to deposits | 72.2253% | 3,399 |
| Net loans and leases to core deposits | 102.4426% | 843 |
| Total domestic deposits to total assets | 81.1093% | 5,574 |
| Equity capital to assets | 11.2818% | 2,640 |
| Core capital (leverage) ratio | 10.1175% | 3,219 |
| Tier 1 risk-based capital ratio | 16.2977% | 3,017 |
| Total risk-based capital ratio | 17.5660% | 2,969 |
| Memoranda: | ||
| Average total assets | $85,155,000 | 5,335 |
| Average earning assets | $79,248,000 | 5,263 |
| Average equity | $9,353,500 | 5,202 |
| Average total loans | $47,520,500 | 5,316 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5169% | 5,002 |
| Cost of funding earning assets | 1.3489% | 1,242 |
| Net interest margin | 3.1680% | 6,174 |
| Noninterest income to average assets | 0.1059% | 6,615 |
| Noninterest expense to average assets | 2.5681% | 5,205 |
| Loan and lease loss provision to assets | 1.2748% | 648 |
| Net operating income to assets | -0.7997% | 6,654 |
| Return on assets (ROA) | -0.6869% | 6,633 |
| Pretax return on assets | -0.6869% | 6,593 |
| Return on Equity (ROE) | -6.5638% | 6,607 |
| Retained earnings to average equity (ytd only) | -6.5638% | 6,540 |
| Net charge-offs to loans | 1.6060% | 987 |
| Credit loss provision to net charge-offs | 156.9405% | 1,783 |
| Earnings coverage of net charge-offs (x) | 0.5850% | 5,388 |
| Efficiency ratio | 84.3856% | 1,723 |
| Assets per employee ($millions) | 5.0952% | 2,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2404% | 657 |
| Loan loss allowance to noncurrent loans | 88.7454% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 2.8770% | 2,095 |
| Noncurrent loans to loans | 3.6513% | 1,733 |
| Net loans and leases to total assets | 49.7460% | 5,624 |
| Net loans and leases to deposits | 62.4098% | 5,184 |
| Net loans and leases to core deposits | 100.6188% | 1,122 |
| Total domestic deposits to total assets | 79.7086% | 5,815 |
| Equity capital to assets | 10.6964% | 3,306 |
| Core capital (leverage) ratio | 9.5709% | 3,914 |
| Tier 1 risk-based capital ratio | 16.6624% | 2,749 |
| Total risk-based capital ratio | 17.9124% | 2,708 |
| Memoranda: | ||
| Average total assets | $86,912,800 | 5,264 |
| Average earning assets | $80,586,000 | 5,213 |
| Average equity | $9,095,400 | 5,255 |
| Average total loans | $43,961,000 | 5,520 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5437% | 5,104 |
| Cost of funding earning assets | 1.3706% | 1,371 |
| Net interest margin | 3.1732% | 6,223 |
| Noninterest income to average assets | 0.1042% | 6,732 |
| Noninterest expense to average assets | 2.5781% | 5,159 |
| Loan and lease loss provision to assets | 1.5757% | 424 |
| Net operating income to assets | -1.1113% | 6,924 |
| Return on assets (ROA) | -0.9610% | 6,903 |
| Pretax return on assets | -0.9610% | 6,860 |
| Return on Equity (ROE) | -9.2343% | 6,871 |
| Retained earnings to average equity (ytd only) | -9.2343% | 6,830 |
| Net charge-offs to loans | 1.9565% | 655 |
| Credit loss provision to net charge-offs | 159.8756% | 1,927 |
| Earnings coverage of net charge-offs (x) | 0.4712% | 5,269 |
| Efficiency ratio | 84.7355% | 1,659 |
| Assets per employee ($millions) | 5.5843% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2066% | 717 |
| Loan loss allowance to noncurrent loans | 78.1798% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 2.9066% | 2,224 |
| Noncurrent loans to loans | 4.1015% | 1,616 |
| Net loans and leases to total assets | 48.1763% | 5,936 |
| Net loans and leases to deposits | 61.9763% | 5,405 |
| Net loans and leases to core deposits | 100.6053% | 1,194 |
| Total domestic deposits to total assets | 77.7334% | 6,241 |
| Equity capital to assets | 10.6683% | 3,494 |
| Core capital (leverage) ratio | 9.5531% | 4,072 |
| Tier 1 risk-based capital ratio | 16.1025% | 3,062 |
| Total risk-based capital ratio | 17.3706% | 3,017 |
| Memoranda: | ||
| Average total assets | $86,986,500 | 5,299 |
| Average earning assets | $80,548,750 | 5,259 |
| Average equity | $9,053,000 | 5,293 |
| Average total loans | $43,818,250 | 5,570 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5316% | 5,253 |
| Cost of funding earning assets | 1.4020% | 1,413 |
| Net interest margin | 3.1296% | 6,338 |
| Noninterest income to average assets | 0.1067% | 6,797 |
| Noninterest expense to average assets | 2.5940% | 5,214 |
| Loan and lease loss provision to assets | 1.8933% | 344 |
| Net operating income to assets | -1.4803% | 7,091 |
| Return on assets (ROA) | -1.4803% | 7,101 |
| Pretax return on assets | -1.4803% | 7,059 |
| Return on Equity (ROE) | -14.3478% | 7,049 |
| Retained earnings to average equity (ytd only) | -14.3478% | 7,016 |
| Net charge-offs to loans | 1.7018% | 844 |
| Credit loss provision to net charge-offs | 219.9461% | 1,360 |
| Earnings coverage of net charge-offs (x) | 0.4798% | 4,947 |
| Efficiency ratio | 86.2654% | 1,577 |
| Assets per employee ($millions) | 5.4919% | 1,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3663% | 662 |
| Loan loss allowance to noncurrent loans | 65.6941% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 3.8853% | 1,666 |
| Noncurrent loans to loans | 5.1243% | 1,262 |
| Net loans and leases to total assets | 48.5456% | 5,989 |
| Net loans and leases to deposits | 63.1853% | 5,373 |
| Net loans and leases to core deposits | 101.8991% | 1,183 |
| Total domestic deposits to total assets | 76.8305% | 6,478 |
| Equity capital to assets | 10.2162% | 3,862 |
| Core capital (leverage) ratio | 9.8105% | 3,509 |
| Tier 1 risk-based capital ratio | 16.4557% | 2,766 |
| Total risk-based capital ratio | 17.7060% | 2,730 |
| Memoranda: | ||
| Average total assets | $86,199,000 | 5,368 |
| Average earning assets | $79,883,670 | 5,323 |
| Average equity | $8,893,330 | 5,355 |
| Average total loans | $43,600,670 | 5,627 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4924% | 5,365 |
| Cost of funding earning assets | 1.4490% | 1,390 |
| Net interest margin | 3.0434% | 6,477 |
| Noninterest income to average assets | 0.1359% | 6,733 |
| Noninterest expense to average assets | 2.5819% | 5,289 |
| Loan and lease loss provision to assets | 0.9934% | 776 |
| Net operating income to assets | -0.5951% | 6,863 |
| Return on assets (ROA) | -0.5951% | 6,868 |
| Pretax return on assets | -0.5951% | 6,815 |
| Return on Equity (ROE) | -5.7391% | 6,848 |
| Retained earnings to average equity (ytd only) | -5.7391% | 6,573 |
| Net charge-offs to loans | 0.0277% | 4,705 |
| Credit loss provision to net charge-offs | 7,066.6667% | 46 |
| Earnings coverage of net charge-offs (x) | 28.3333% | 861 |
| Efficiency ratio | 86.6352% | 1,644 |
| Assets per employee ($millions) | 5.4528% | 1,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8977% | 1,010 |
| Loan loss allowance to noncurrent loans | 50.7717% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 3.3950% | 2,012 |
| Noncurrent loans to loans | 5.7074% | 1,134 |
| Net loans and leases to total assets | 48.0108% | 6,074 |
| Net loans and leases to deposits | 58.9891% | 5,826 |
| Net loans and leases to core deposits | 99.4539% | 1,385 |
| Total domestic deposits to total assets | 81.3892% | 5,537 |
| Equity capital to assets | 10.1679% | 3,571 |
| Core capital (leverage) ratio | 10.3348% | 2,774 |
| Tier 1 risk-based capital ratio | 17.2853% | 2,380 |
| Total risk-based capital ratio | 18.5350% | 2,351 |
| Memoranda: | ||
| Average total assets | $85,363,500 | 5,429 |
| Average earning assets | $79,779,500 | 5,367 |
| Average equity | $8,851,500 | 5,370 |
| Average total loans | $43,329,500 | 5,692 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5089% | 6,382 |
| Cost of funding earning assets | 1.4456% | 2,988 |
| Net interest margin | 3.0633% | 6,612 |
| Noninterest income to average assets | 0.0493% | 7,110 |
| Noninterest expense to average assets | 2.9553% | 4,016 |
| Loan and lease loss provision to assets | 2.1751% | 575 |
| Net operating income to assets | -2.2325% | 7,121 |
| Return on assets (ROA) | -2.1313% | 7,105 |
| Pretax return on assets | -2.1313% | 7,069 |
| Return on Equity (ROE) | -15.4550% | 6,935 |
| Retained earnings to average equity (ytd only) | -15.4550% | 6,898 |
| Net charge-offs to loans | 2.4958% | 753 |
| Credit loss provision to net charge-offs | 160.9929% | 2,166 |
| Earnings coverage of net charge-offs (x) | -0.0426% | 6,164 |
| Efficiency ratio | 101.9839% | 725 |
| Assets per employee ($millions) | 4.9107% | 2,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3919% | 1,554 |
| Loan loss allowance to noncurrent loans | 43.5565% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 3.4618% | 2,013 |
| Noncurrent loans to loans | 5.4915% | 1,196 |
| Net loans and leases to total assets | 50.8864% | 6,056 |
| Net loans and leases to deposits | 64.0382% | 5,624 |
| Net loans and leases to core deposits | 110.3489% | 899 |
| Total domestic deposits to total assets | 79.4626% | 5,981 |
| Equity capital to assets | 10.5795% | 3,085 |
| Core capital (leverage) ratio | 11.1564% | 2,043 |
| Tier 1 risk-based capital ratio | 17.1033% | 2,316 |
| Total risk-based capital ratio | 18.3622% | 2,279 |
| Memoranda: | ||
| Average total assets | $73,055,600 | 5,784 |
| Average earning assets | $67,932,600 | 5,738 |
| Average equity | $10,074,400 | 5,111 |
| Average total loans | $39,546,800 | 5,937 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5346% | 6,513 |
| Cost of funding earning assets | 1.4247% | 3,429 |
| Net interest margin | 3.1099% | 6,589 |
| Noninterest income to average assets | 0.1855% | 6,552 |
| Noninterest expense to average assets | 3.0452% | 3,593 |
| Loan and lease loss provision to assets | 2.4301% | 446 |
| Net operating income to assets | -2.3979% | 7,326 |
| Return on assets (ROA) | -2.2578% | 7,310 |
| Pretax return on assets | -2.2578% | 7,265 |
| Return on Equity (ROE) | -15.3166% | 7,118 |
| Retained earnings to average equity (ytd only) | -15.3166% | 7,092 |
| Net charge-offs to loans | 2.1338% | 865 |
| Credit loss provision to net charge-offs | 208.1037% | 1,699 |
| Earnings coverage of net charge-offs (x) | 0.0276% | 6,005 |
| Efficiency ratio | 98.9545% | 780 |
| Assets per employee ($millions) | 4.5288% | 2,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6711% | 1,117 |
| Loan loss allowance to noncurrent loans | 54.6443% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 3.1134% | 2,321 |
| Noncurrent loans to loans | 4.8882% | 1,438 |
| Net loans and leases to total assets | 52.3445% | 6,063 |
| Net loans and leases to deposits | 68.4524% | 5,355 |
| Net loans and leases to core deposits | 116.0246% | 746 |
| Total domestic deposits to total assets | 76.4684% | 6,574 |
| Equity capital to assets | 12.7185% | 1,736 |
| Core capital (leverage) ratio | 12.0739% | 1,631 |
| Tier 1 risk-based capital ratio | 18.7103% | 1,821 |
| Total risk-based capital ratio | 19.9725% | 1,788 |
| Memoranda: | ||
| Average total assets | $70,449,000 | 5,935 |
| Average earning assets | $65,509,500 | 5,876 |
| Average equity | $10,385,000 | 5,091 |
| Average total loans | $38,553,000 | 6,068 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4851% | 6,743 |
| Cost of funding earning assets | 1.3653% | 4,084 |
| Net interest margin | 3.1198% | 6,551 |
| Noninterest income to average assets | 0.1846% | 6,585 |
| Noninterest expense to average assets | 3.1024% | 3,310 |
| Loan and lease loss provision to assets | 1.3564% | 998 |
| Net operating income to assets | -1.3623% | 7,105 |
| Return on assets (ROA) | -1.1455% | 7,026 |
| Pretax return on assets | -1.1455% | 6,952 |
| Return on Equity (ROE) | -7.3894% | 6,862 |
| Retained earnings to average equity (ytd only) | -7.3894% | 6,773 |
| Net charge-offs to loans | -0.0106% | 7,199 |
| Credit loss provision to net charge-offs | -23,150.0000% | 7,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1892% | 793 |
| Assets per employee ($millions) | 4.4795% | 2,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2212% | 1,720 |
| Loan loss allowance to noncurrent loans | 44.0331% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 3.0833% | 2,303 |
| Noncurrent loans to loans | 5.0443% | 1,364 |
| Net loans and leases to total assets | 52.2580% | 6,182 |
| Net loans and leases to deposits | 69.3631% | 5,373 |
| Net loans and leases to core deposits | 118.9544% | 729 |
| Total domestic deposits to total assets | 75.3398% | 6,804 |
| Equity capital to assets | 13.7543% | 1,255 |
| Core capital (leverage) ratio | 14.2363% | 867 |
| Tier 1 risk-based capital ratio | 20.6808% | 1,395 |
| Total risk-based capital ratio | 21.9379% | 1,366 |
| Memoranda: | ||
| Average total assets | $68,268,670 | 6,025 |
| Average earning assets | $63,721,670 | 5,965 |
| Average equity | $10,582,670 | 5,037 |
| Average total loans | $37,602,000 | 6,154 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5523% | 6,673 |
| Cost of funding earning assets | 1.2997% | 4,814 |
| Net interest margin | 3.2526% | 6,120 |
| Noninterest income to average assets | 0.1368% | 6,996 |
| Noninterest expense to average assets | 3.1464% | 3,072 |
| Loan and lease loss provision to assets | 0.4291% | 2,809 |
| Net operating income to assets | -0.4042% | 6,762 |
| Return on assets (ROA) | 0.0560% | 6,256 |
| Pretax return on assets | 0.0560% | 6,240 |
| Return on Equity (ROE) | 0.3384% | 6,323 |
| Retained earnings to average equity (ytd only) | 0.3384% | 5,700 |
| Net charge-offs to loans | -0.0333% | 7,226 |
| Credit loss provision to net charge-offs | -2,300.0000% | 6,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2157% | 870 |
| Assets per employee ($millions) | 5.3642% | 1,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 4,618 |
| Loan loss allowance to noncurrent loans | 190.6716% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.8461% | 5,467 |
| Noncurrent loans to loans | 0.7140% | 5,905 |
| Net loans and leases to total assets | 53.0932% | 6,142 |
| Net loans and leases to deposits | 72.8718% | 4,934 |
| Net loans and leases to core deposits | 125.7054% | 595 |
| Total domestic deposits to total assets | 72.8583% | 7,181 |
| Equity capital to assets | 15.2623% | 817 |
| Core capital (leverage) ratio | 16.8222% | 470 |
| Tier 1 risk-based capital ratio | 22.6080% | 1,135 |
| Total risk-based capital ratio | 23.6979% | 1,122 |
| Memoranda: | ||
| Average total assets | $64,327,500 | 6,231 |
| Average earning assets | $60,014,000 | 6,170 |
| Average equity | $10,637,000 | 5,065 |
| Average total loans | $36,053,500 | 6,312 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8867% | 6,740 |
| Cost of funding earning assets | 1.4865% | 5,566 |
| Net interest margin | 3.4002% | 5,365 |
| Noninterest income to average assets | 0.1754% | 6,828 |
| Noninterest expense to average assets | 4.1569% | 1,151 |
| Loan and lease loss provision to assets | 0.7245% | 2,943 |
| Net operating income to assets | -1.5158% | 6,865 |
| Return on assets (ROA) | -0.9562% | 6,548 |
| Pretax return on assets | -0.9562% | 6,384 |
| Return on Equity (ROE) | -4.2211% | 6,133 |
| Retained earnings to average equity (ytd only) | -4.2211% | 5,901 |
| Net charge-offs to loans | 0.5607% | 3,538 |
| Credit loss provision to net charge-offs | 222.4359% | 1,692 |
| Earnings coverage of net charge-offs (x) | -2.4295% | 7,029 |
| Efficiency ratio | 123.5112% | 552 |
| Assets per employee ($millions) | 4.2086% | 3,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 4,940 |
| Loan loss allowance to noncurrent loans | 163.1970% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 1.2067% | 4,686 |
| Noncurrent loans to loans | 0.7781% | 5,714 |
| Net loans and leases to total assets | 57.9301% | 5,673 |
| Net loans and leases to deposits | 93.4204% | 1,675 |
| Net loans and leases to core deposits | 151.0243% | 489 |
| Total domestic deposits to total assets | 62.0101% | 7,757 |
| Equity capital to assets | 18.0428% | 441 |
| Core capital (leverage) ratio | 19.1435% | 330 |
| Tier 1 risk-based capital ratio | 25.5840% | 793 |
| Total risk-based capital ratio | 26.6446% | 793 |
| Memoranda: | ||
| Average total assets | $47,896,600 | 6,792 |
| Average earning assets | $44,938,600 | 6,724 |
| Average equity | $10,850,200 | 5,062 |
| Average total loans | $27,821,200 | 6,750 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8185% | 7,085 |
| Cost of funding earning assets | 1.5466% | 5,649 |
| Net interest margin | 3.2719% | 5,742 |
| Noninterest income to average assets | 0.2097% | 6,727 |
| Noninterest expense to average assets | 4.0288% | 1,238 |
| Loan and lease loss provision to assets | 0.6557% | 2,785 |
| Net operating income to assets | -1.3941% | 7,064 |
| Return on assets (ROA) | -0.6025% | 6,527 |
| Pretax return on assets | -0.6025% | 6,394 |
| Return on Equity (ROE) | -2.4942% | 6,163 |
| Retained earnings to average equity (ytd only) | -2.4942% | 5,819 |
| Net charge-offs to loans | 0.4184% | 3,592 |
| Credit loss provision to net charge-offs | 270.7317% | 1,569 |
| Earnings coverage of net charge-offs (x) | -3.0488% | 6,807 |
| Efficiency ratio | 122.4417% | 555 |
| Assets per employee ($millions) | 3.7826% | 4,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3199% | 4,380 |
| Loan loss allowance to noncurrent loans | 97.7330% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.9763% | 5,108 |
| Noncurrent loans to loans | 1.3505% | 4,673 |
| Net loans and leases to total assets | 54.7794% | 6,298 |
| Net loans and leases to deposits | 89.9141% | 2,601 |
| Net loans and leases to core deposits | 128.1656% | 1,570 |
| Total domestic deposits to total assets | 60.9242% | 7,855 |
| Equity capital to assets | 20.7625% | 290 |
| Core capital (leverage) ratio | 21.7295% | 239 |
| Tier 1 risk-based capital ratio | 30.7215% | 530 |
| Total risk-based capital ratio | 31.8206% | 524 |
| Memoranda: | ||
| Average total assets | $45,140,500 | 6,957 |
| Average earning assets | $42,502,000 | 6,892 |
| Average equity | $10,905,000 | 5,091 |
| Average total loans | $26,133,500 | 6,912 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1152% | 6,372 |
| Cost of funding earning assets | 1.6317% | 5,601 |
| Net interest margin | 3.4836% | 4,874 |
| Noninterest income to average assets | 0.1364% | 7,278 |
| Noninterest expense to average assets | 4.1095% | 1,178 |
| Loan and lease loss provision to assets | 0.7805% | 2,130 |
| Net operating income to assets | -1.4811% | 7,234 |
| Return on assets (ROA) | -0.2210% | 6,237 |
| Pretax return on assets | -0.2210% | 6,144 |
| Return on Equity (ROE) | -0.8644% | 6,055 |
| Retained earnings to average equity (ytd only) | -0.8644% | 5,443 |
| Net charge-offs to loans | 0.4312% | 3,079 |
| Credit loss provision to net charge-offs | 307.4074% | 1,511 |
| Earnings coverage of net charge-offs (x) | -2.7593% | 6,399 |
| Efficiency ratio | 120.5517% | 656 |
| Assets per employee ($millions) | 3.5890% | 4,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3729% | 3,870 |
| Loan loss allowance to noncurrent loans | 56.5831% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 1.3674% | 4,226 |
| Noncurrent loans to loans | 2.4263% | 2,982 |
| Net loans and leases to total assets | 55.5844% | 6,258 |
| Net loans and leases to deposits | 94.0967% | 2,072 |
| Net loans and leases to core deposits | 118.5825% | 2,492 |
| Total domestic deposits to total assets | 59.0715% | 7,960 |
| Equity capital to assets | 22.6933% | 259 |
| Core capital (leverage) ratio | 24.2687% | 223 |
| Tier 1 risk-based capital ratio | 37.0704% | 370 |
| Total risk-based capital ratio | 38.2868% | 363 |
| Memoranda: | ||
| Average total assets | $42,535,330 | 7,112 |
| Average earning assets | $39,959,000 | 7,052 |
| Average equity | $10,875,000 | 5,121 |
| Average total loans | $25,045,670 | 7,027 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1964% | 6,311 |
| Cost of funding earning assets | 1.7077% | 5,567 |
| Net interest margin | 3.4887% | 4,776 |
| Noninterest income to average assets | 0.1186% | 7,431 |
| Noninterest expense to average assets | 4.4670% | 733 |
| Loan and lease loss provision to assets | 1.0970% | 1,194 |
| Net operating income to assets | -2.1544% | 7,701 |
| Return on assets (ROA) | 0.1581% | 5,966 |
| Pretax return on assets | 0.1581% | 6,034 |
| Return on Equity (ROE) | 0.5808% | 6,256 |
| Retained earnings to average equity (ytd only) | 0.5808% | 5,427 |
| Net charge-offs to loans | 0.8190% | 1,582 |
| Credit loss provision to net charge-offs | 222.0000% | 2,041 |
| Earnings coverage of net charge-offs (x) | -2.1400% | 5,477 |
| Efficiency ratio | 131.0145% | 494 |
| Assets per employee ($millions) | 3.5414% | 4,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 4,659 |
| Loan loss allowance to noncurrent loans | 118.7739% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.6142% | 5,651 |
| Noncurrent loans to loans | 1.0279% | 4,935 |
| Net loans and leases to total assets | 59.0206% | 5,804 |
| Net loans and leases to deposits | 111.2481% | 558 |
| Net loans and leases to core deposits | 143.6788% | 946 |
| Total domestic deposits to total assets | 53.0532% | 8,079 |
| Equity capital to assets | 25.8136% | 205 |
| Core capital (leverage) ratio | 28.1384% | 173 |
| Tier 1 risk-based capital ratio | 40.1655% | 322 |
| Total risk-based capital ratio | 41.2909% | 318 |
| Memoranda: | ||
| Average total assets | $40,474,500 | 7,228 |
| Average earning assets | $38,180,000 | 7,163 |
| Average equity | $11,018,500 | 5,100 |
| Average total loans | $24,421,000 | 7,105 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4285% | 7,426 |
| Cost of funding earning assets | 1.9587% | 6,539 |
| Net interest margin | 3.4698% | 5,405 |
| Noninterest income to average assets | 0.1341% | 7,437 |
| Noninterest expense to average assets | 6.3785% | 349 |
| Loan and lease loss provision to assets | 0.8757% | 1,703 |
| Net operating income to assets | -3.9407% | 7,978 |
| Return on assets (ROA) | -3.9407% | 7,961 |
| Pretax return on assets | -3.9407% | 7,884 |
| Return on Equity (ROE) | -8.7435% | 7,178 |
| Retained earnings to average equity (ytd only) | -8.7435% | 6,946 |
| Net charge-offs to loans | 0.1005% | 5,309 |
| Credit loss provision to net charge-offs | 1,707.6923% | 251 |
| Earnings coverage of net charge-offs (x) | -59.7692% | 6,994 |
| Efficiency ratio | 192.5000% | 210 |
| Assets per employee ($millions) | 2.7466% | 6,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 5,537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 60.3376% | 5,862 |
| Net loans and leases to deposits | 100.3417% | 1,807 |
| Net loans and leases to core deposits | 129.0809% | 1,924 |
| Total domestic deposits to total assets | 60.1321% | 7,963 |
| Equity capital to assets | 28.7813% | 188 |
| Core capital (leverage) ratio | 32.9015% | 156 |
| Tier 1 risk-based capital ratio | 41.2547% | 311 |
| Total risk-based capital ratio | 42.1845% | 309 |
| Memoranda: | ||
| Average total assets | $25,350,800 | 7,832 |
| Average earning assets | $23,229,200 | 7,814 |
| Average equity | $11,425,600 | 4,993 |
| Average total loans | $12,930,800 | 7,775 |