Home > Pekin National Bank > Performance and Condition Ratios
Pekin National Bank, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4709% | 5,062 |
| Cost of funding earning assets | 0.2410% | 5,042 |
| Net interest margin | 3.2299% | 4,563 |
| Noninterest income to average assets | 0.2437% | 5,216 |
| Noninterest expense to average assets | 4.2053% | 539 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.9385% | 6,255 |
| Return on assets (ROA) | -0.7129% | 6,229 |
| Pretax return on assets | -0.7129% | 6,219 |
| Return on Equity (ROE) | -5.5174% | 6,200 |
| Retained earnings to average equity (ytd only) | -14.2475% | 6,227 |
| Net charge-offs to loans | 1.4727% | 117 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -1.8909% | 3,787 |
| Efficiency ratio | 128.7293% | 81 |
| Assets per employee ($millions) | 2.2280% | 6,161 |
| Cash dividends to net income (ytd only)* | -158.2278% | 6,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5308% | 2,157 |
| Loan loss allowance to noncurrent loans | 1,650.0000% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.2743% | 4,776 |
| Noncurrent loans to loans | 0.0928% | 5,372 |
| Net loans and leases to total assets | 31.7574% | 5,989 |
| Net loans and leases to deposits | 39.1684% | 5,930 |
| Net loans and leases to core deposits | 43.0038% | 5,865 |
| Total domestic deposits to total assets | 81.0792% | 4,589 |
| Equity capital to assets | 13.5747% | 1,138 |
| Core capital (leverage) ratio | 12.1560% | 1,558 |
| Tier 1 risk-based capital ratio | 35.7087% | 346 |
| Total risk-based capital ratio | 36.9816% | 341 |
| Memoranda: | ||
| Average total assets | $22,162,670 | 6,227 |
| Average earning assets | $20,743,670 | 6,200 |
| Average equity | $2,863,670 | 6,165 |
| Average total loans | $7,469,330 | 6,229 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5035% | 4,953 |
| Cost of funding earning assets | 0.2201% | 5,317 |
| Net interest margin | 3.2834% | 4,284 |
| Noninterest income to average assets | 0.2756% | 4,971 |
| Noninterest expense to average assets | 4.2036% | 554 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.8442% | 6,305 |
| Return on assets (ROA) | -0.8442% | 6,310 |
| Pretax return on assets | -0.8442% | 6,299 |
| Return on Equity (ROE) | -6.6792% | 6,290 |
| Retained earnings to average equity (ytd only) | -23.7178% | 6,301 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.1282% | 99 |
| Assets per employee ($millions) | 2.5636% | 6,065 |
| Cash dividends to net income (ytd only)* | -255.1020% | 6,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2920% | 709 |
| Loan loss allowance to noncurrent loans | 135.0877% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.4941% | 4,047 |
| Noncurrent loans to loans | 1.6967% | 1,621 |
| Net loans and leases to total assets | 28.4544% | 6,121 |
| Net loans and leases to deposits | 37.8976% | 5,993 |
| Net loans and leases to core deposits | 44.7390% | 5,814 |
| Total domestic deposits to total assets | 75.0824% | 5,821 |
| Equity capital to assets | 12.4610% | 1,717 |
| Core capital (leverage) ratio | 12.0500% | 1,611 |
| Tier 1 risk-based capital ratio | 33.7591% | 401 |
| Total risk-based capital ratio | 35.0000% | 392 |
| Memoranda: | ||
| Average total assets | $23,218,000 | 6,279 |
| Average earning assets | $21,806,500 | 6,251 |
| Average equity | $2,934,500 | 6,218 |
| Average total loans | $7,970,500 | 6,285 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7042% | 4,773 |
| Cost of funding earning assets | 0.2534% | 5,289 |
| Net interest margin | 3.4508% | 3,976 |
| Noninterest income to average assets | 0.2871% | 5,070 |
| Noninterest expense to average assets | 3.8996% | 860 |
| Loan and lease loss provision to assets | 0.7756% | 160 |
| Net operating income to assets | -1.2127% | 6,402 |
| Return on assets (ROA) | -0.8442% | 6,352 |
| Pretax return on assets | -0.8099% | 6,337 |
| Return on Equity (ROE) | -6.6063% | 6,320 |
| Retained earnings to average equity (ytd only) | -7.4447% | 6,255 |
| Net charge-offs to loans | 1.6004% | 144 |
| Credit loss provision to net charge-offs | 127.4648% | 1,880 |
| Earnings coverage of net charge-offs (x) | -0.6620% | 4,774 |
| Efficiency ratio | 111.5196% | 197 |
| Assets per employee ($millions) | 2.5960% | 6,108 |
| Cash dividends to net income (ytd only)* | -12.6904% | 6,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6699% | 1,865 |
| Loan loss allowance to noncurrent loans | 132.7586% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.4965% | 4,145 |
| Noncurrent loans to loans | 1.2579% | 2,349 |
| Net loans and leases to total assets | 38.8118% | 5,804 |
| Net loans and leases to deposits | 50.8724% | 5,540 |
| Net loans and leases to core deposits | 60.7408% | 5,082 |
| Total domestic deposits to total assets | 76.2926% | 5,691 |
| Equity capital to assets | 12.8146% | 1,458 |
| Core capital (leverage) ratio | 12.5931% | 1,309 |
| Tier 1 risk-based capital ratio | 28.8518% | 577 |
| Total risk-based capital ratio | 30.1046% | 558 |
| Memoranda: | ||
| Average total assets | $23,335,800 | 6,366 |
| Average earning assets | $21,705,200 | 6,337 |
| Average equity | $2,982,000 | 6,277 |
| Average total loans | $8,872,600 | 6,345 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8690% | 4,286 |
| Cost of funding earning assets | 0.2588% | 5,320 |
| Net interest margin | 3.6102% | 3,385 |
| Noninterest income to average assets | 0.2915% | 5,109 |
| Noninterest expense to average assets | 3.9035% | 839 |
| Loan and lease loss provision to assets | 0.7201% | 176 |
| Net operating income to assets | -1.0002% | 6,462 |
| Return on assets (ROA) | -0.5944% | 6,392 |
| Pretax return on assets | -0.5772% | 6,377 |
| Return on Equity (ROE) | -4.6546% | 6,359 |
| Retained earnings to average equity (ytd only) | -4.6546% | 6,241 |
| Net charge-offs to loans | 2.1551% | 90 |
| Credit loss provision to net charge-offs | 88.7324% | 2,458 |
| Earnings coverage of net charge-offs (x) | -0.3239% | 4,487 |
| Efficiency ratio | 107.2214% | 255 |
| Assets per employee ($millions) | 2.5836% | 6,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 4,725 |
| Loan loss allowance to noncurrent loans | 1,237.5000% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0344% | 6,029 |
| Noncurrent loans to loans | 0.0893% | 5,677 |
| Net loans and leases to total assets | 38.1215% | 5,935 |
| Net loans and leases to deposits | 49.3844% | 5,684 |
| Net loans and leases to core deposits | 59.8717% | 5,198 |
| Total domestic deposits to total assets | 77.1934% | 5,644 |
| Equity capital to assets | 12.9752% | 1,441 |
| Core capital (leverage) ratio | 13.2170% | 1,093 |
| Tier 1 risk-based capital ratio | 29.9477% | 525 |
| Total risk-based capital ratio | 30.9240% | 532 |
| Memoranda: | ||
| Average total assets | $23,328,750 | 6,441 |
| Average earning assets | $21,641,500 | 6,415 |
| Average equity | $2,979,000 | 6,350 |
| Average total loans | $8,785,250 | 6,420 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8891% | 4,180 |
| Cost of funding earning assets | 0.2402% | 5,581 |
| Net interest margin | 3.6489% | 3,148 |
| Noninterest income to average assets | 0.2912% | 5,091 |
| Noninterest expense to average assets | 3.8794% | 875 |
| Loan and lease loss provision to assets | 1.0790% | 94 |
| Net operating income to assets | -1.3188% | 6,564 |
| Return on assets (ROA) | -0.8050% | 6,504 |
| Pretax return on assets | -0.7707% | 6,486 |
| Return on Equity (ROE) | -6.3378% | 6,466 |
| Retained earnings to average equity (ytd only) | -6.3378% | 6,312 |
| Net charge-offs to loans | 3.2546% | 45 |
| Credit loss provision to net charge-offs | 88.7324% | 2,202 |
| Earnings coverage of net charge-offs (x) | -0.1690% | 4,146 |
| Efficiency ratio | 105.5944% | 302 |
| Assets per employee ($millions) | 2.6061% | 6,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1677% | 4,576 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 6,090 |
| Noncurrent loans to loans | 0.1062% | 5,696 |
| Net loans and leases to total assets | 35.7237% | 6,064 |
| Net loans and leases to deposits | 44.1884% | 5,972 |
| Net loans and leases to core deposits | 52.1536% | 5,658 |
| Total domestic deposits to total assets | 80.8442% | 5,029 |
| Equity capital to assets | 12.9610% | 1,390 |
| Core capital (leverage) ratio | 13.3846% | 1,021 |
| Tier 1 risk-based capital ratio | 30.5494% | 499 |
| Total risk-based capital ratio | 31.5420% | 503 |
| Memoranda: | ||
| Average total assets | $23,354,330 | 6,506 |
| Average earning assets | $21,650,330 | 6,480 |
| Average equity | $2,966,330 | 6,405 |
| Average total loans | $8,726,000 | 6,483 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9680% | 3,820 |
| Cost of funding earning assets | 0.2596% | 5,498 |
| Net interest margin | 3.7084% | 2,829 |
| Noninterest income to average assets | 0.2918% | 5,040 |
| Noninterest expense to average assets | 3.8792% | 885 |
| Loan and lease loss provision to assets | 2.1627% | 32 |
| Net operating income to assets | -2.3172% | 6,672 |
| Return on assets (ROA) | -2.2142% | 6,665 |
| Pretax return on assets | -2.2142% | 6,654 |
| Return on Equity (ROE) | -17.6139% | 6,616 |
| Retained earnings to average equity (ytd only) | -17.6139% | 6,501 |
| Net charge-offs to loans | 6.4181% | 14 |
| Credit loss provision to net charge-offs | 88.7324% | 1,816 |
| Earnings coverage of net charge-offs (x) | -0.0634% | 3,437 |
| Efficiency ratio | 104.1475% | 369 |
| Assets per employee ($millions) | 2.5814% | 6,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 4,722 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 6,176 |
| Noncurrent loans to loans | 0.1075% | 5,802 |
| Net loans and leases to total assets | 35.6174% | 6,087 |
| Net loans and leases to deposits | 43.5618% | 5,996 |
| Net loans and leases to core deposits | 52.2082% | 5,606 |
| Total domestic deposits to total assets | 81.7630% | 5,011 |
| Equity capital to assets | 12.6501% | 1,489 |
| Core capital (leverage) ratio | 13.0826% | 1,132 |
| Tier 1 risk-based capital ratio | 30.5694% | 507 |
| Total risk-based capital ratio | 31.5741% | 505 |
| Memoranda: | ||
| Average total assets | $23,304,000 | 6,579 |
| Average earning assets | $21,572,500 | 6,551 |
| Average equity | $2,929,500 | 6,461 |
| Average total loans | $8,850,000 | 6,551 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1311% | 3,618 |
| Cost of funding earning assets | 0.2582% | 5,920 |
| Net interest margin | 3.8729% | 2,390 |
| Noninterest income to average assets | 0.2784% | 5,363 |
| Noninterest expense to average assets | 3.9899% | 883 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.1326% | 6,323 |
| Return on assets (ROA) | -0.0088% | 6,262 |
| Pretax return on assets | -0.0088% | 6,239 |
| Return on Equity (ROE) | -0.0644% | 6,261 |
| Retained earnings to average equity (ytd only) | -0.0644% | 5,877 |
| Net charge-offs to loans | 0.1534% | 3,272 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 5,324 |
| Efficiency ratio | 103.4364% | 387 |
| Assets per employee ($millions) | 2.3375% | 6,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2331% | 4,485 |
| Loan loss allowance to noncurrent loans | 92.0000% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 0.5348% | 4,627 |
| Noncurrent loans to loans | 1.3403% | 2,898 |
| Net loans and leases to total assets | 39.4053% | 6,006 |
| Net loans and leases to deposits | 48.6582% | 5,855 |
| Net loans and leases to core deposits | 58.7212% | 5,329 |
| Total domestic deposits to total assets | 80.9840% | 5,182 |
| Equity capital to assets | 12.4920% | 1,514 |
| Core capital (leverage) ratio | 14.0549% | 813 |
| Tier 1 risk-based capital ratio | 29.9114% | 504 |
| Total risk-based capital ratio | 31.0066% | 502 |
| Memoranda: | ||
| Average total assets | $22,632,000 | 6,665 |
| Average earning assets | $20,914,600 | 6,640 |
| Average equity | $3,105,200 | 6,517 |
| Average total loans | $9,778,000 | 6,601 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1612% | 3,522 |
| Cost of funding earning assets | 0.2633% | 6,001 |
| Net interest margin | 3.8978% | 2,282 |
| Noninterest income to average assets | 0.2851% | 5,407 |
| Noninterest expense to average assets | 4.0213% | 837 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.1307% | 6,414 |
| Return on assets (ROA) | -0.0475% | 6,376 |
| Pretax return on assets | -0.0475% | 6,357 |
| Return on Equity (ROE) | -0.3386% | 6,373 |
| Retained earnings to average equity (ytd only) | -0.3386% | 6,011 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3588% | 371 |
| Assets per employee ($millions) | 2.2313% | 6,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3657% | 4,046 |
| Loan loss allowance to noncurrent loans | 90.9091% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 0.6409% | 4,518 |
| Noncurrent loans to loans | 1.5023% | 2,915 |
| Net loans and leases to total assets | 42.0786% | 5,896 |
| Net loans and leases to deposits | 51.3200% | 5,759 |
| Net loans and leases to core deposits | 57.6048% | 5,480 |
| Total domestic deposits to total assets | 81.9926% | 4,935 |
| Equity capital to assets | 13.3061% | 1,198 |
| Core capital (leverage) ratio | 14.5956% | 712 |
| Tier 1 risk-based capital ratio | 31.2142% | 467 |
| Total risk-based capital ratio | 32.4760% | 459 |
| Memoranda: | ||
| Average total assets | $22,446,250 | 6,744 |
| Average earning assets | $20,763,000 | 6,714 |
| Average equity | $3,151,500 | 6,580 |
| Average total loans | $9,891,000 | 6,671 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1188% | 3,663 |
| Cost of funding earning assets | 0.2688% | 6,052 |
| Net interest margin | 3.8500% | 2,376 |
| Noninterest income to average assets | 0.2757% | 5,475 |
| Noninterest expense to average assets | 4.0106% | 853 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.1690% | 6,468 |
| Return on assets (ROA) | -0.0800% | 6,436 |
| Pretax return on assets | -0.0800% | 6,420 |
| Return on Equity (ROE) | -0.5603% | 6,419 |
| Retained earnings to average equity (ytd only) | -0.5603% | 5,974 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3981% | 376 |
| Assets per employee ($millions) | 2.2524% | 6,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3191% | 4,410 |
| Loan loss allowance to noncurrent loans | 88.4354% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 0.6526% | 4,596 |
| Noncurrent loans to loans | 1.4916% | 3,069 |
| Net loans and leases to total assets | 43.1762% | 5,814 |
| Net loans and leases to deposits | 52.9655% | 5,607 |
| Net loans and leases to core deposits | 57.6741% | 5,448 |
| Total domestic deposits to total assets | 81.5175% | 5,212 |
| Equity capital to assets | 13.7365% | 1,036 |
| Core capital (leverage) ratio | 14.2320% | 767 |
| Tier 1 risk-based capital ratio | 30.8838% | 481 |
| Total risk-based capital ratio | 32.1326% | 475 |
| Memoranda: | ||
| Average total assets | $22,490,670 | 6,791 |
| Average earning assets | $20,831,330 | 6,763 |
| Average equity | $3,212,330 | 6,618 |
| Average total loans | $10,015,000 | 6,706 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1022% | 3,718 |
| Cost of funding earning assets | 0.2684% | 6,172 |
| Net interest margin | 3.8338% | 2,336 |
| Noninterest income to average assets | 0.2848% | 5,428 |
| Noninterest expense to average assets | 4.0402% | 846 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1958% | 6,515 |
| Return on assets (ROA) | -0.0356% | 6,443 |
| Pretax return on assets | -0.0356% | 6,434 |
| Return on Equity (ROE) | -0.2445% | 6,444 |
| Retained earnings to average equity (ytd only) | -0.2445% | 5,825 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0926% | 416 |
| Assets per employee ($millions) | 2.2816% | 6,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2940% | 4,731 |
| Loan loss allowance to noncurrent loans | 86.0927% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 0.6618% | 4,719 |
| Noncurrent loans to loans | 1.5031% | 3,300 |
| Net loans and leases to total assets | 43.4607% | 5,714 |
| Net loans and leases to deposits | 53.2003% | 5,504 |
| Net loans and leases to core deposits | 57.8496% | 5,355 |
| Total domestic deposits to total assets | 81.6927% | 5,299 |
| Equity capital to assets | 14.3496% | 922 |
| Core capital (leverage) ratio | 14.1434% | 762 |
| Tier 1 risk-based capital ratio | 30.7972% | 499 |
| Total risk-based capital ratio | 32.0398% | 491 |
| Memoranda: | ||
| Average total assets | $22,474,000 | 6,865 |
| Average earning assets | $20,867,000 | 6,832 |
| Average equity | $3,271,500 | 6,667 |
| Average total loans | $10,095,000 | 6,765 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0333% | 5,214 |
| Cost of funding earning assets | 0.3595% | 6,164 |
| Net interest margin | 3.6739% | 3,772 |
| Noninterest income to average assets | 0.2726% | 5,511 |
| Noninterest expense to average assets | 4.0156% | 960 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.2700% | 6,419 |
| Return on assets (ROA) | 0.0519% | 6,227 |
| Pretax return on assets | 0.0649% | 6,206 |
| Return on Equity (ROE) | 0.3686% | 6,247 |
| Retained earnings to average equity (ytd only) | 0.3686% | 5,667 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.1765% | 346 |
| Assets per employee ($millions) | 2.2132% | 6,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 4,732 |
| Loan loss allowance to noncurrent loans | 83.8710% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 0.7003% | 4,734 |
| Noncurrent loans to loans | 1.5280% | 3,318 |
| Net loans and leases to total assets | 45.2467% | 5,698 |
| Net loans and leases to deposits | 55.1979% | 5,531 |
| Net loans and leases to core deposits | 59.2790% | 5,424 |
| Total domestic deposits to total assets | 81.9718% | 5,110 |
| Equity capital to assets | 14.7705% | 798 |
| Core capital (leverage) ratio | 14.2535% | 728 |
| Tier 1 risk-based capital ratio | 27.2205% | 673 |
| Total risk-based capital ratio | 28.3181% | 673 |
| Memoranda: | ||
| Average total assets | $23,109,800 | 6,907 |
| Average earning assets | $21,421,400 | 6,875 |
| Average equity | $3,256,000 | 6,733 |
| Average total loans | $8,915,800 | 6,888 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8430% | 5,917 |
| Cost of funding earning assets | 0.3757% | 6,254 |
| Net interest margin | 3.4674% | 4,770 |
| Noninterest income to average assets | 0.2683% | 5,635 |
| Noninterest expense to average assets | 3.9792% | 960 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.4967% | 6,699 |
| Return on assets (ROA) | -0.3882% | 6,686 |
| Pretax return on assets | -0.3882% | 6,651 |
| Return on Equity (ROE) | -2.7872% | 6,612 |
| Retained earnings to average equity (ytd only) | -2.7872% | 6,463 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.2623% | 241 |
| Assets per employee ($millions) | 2.2813% | 6,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 4,377 |
| Loan loss allowance to noncurrent loans | 80.6250% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 0.7014% | 4,935 |
| Noncurrent loans to loans | 1.7361% | 3,181 |
| Net loans and leases to total assets | 39.8326% | 6,297 |
| Net loans and leases to deposits | 47.3232% | 6,296 |
| Net loans and leases to core deposits | 51.3332% | 6,223 |
| Total domestic deposits to total assets | 84.1713% | 4,139 |
| Equity capital to assets | 14.4874% | 974 |
| Core capital (leverage) ratio | 13.6607% | 956 |
| Tier 1 risk-based capital ratio | 27.3415% | 712 |
| Total risk-based capital ratio | 28.4633% | 707 |
| Memoranda: | ||
| Average total assets | $23,354,250 | 6,994 |
| Average earning assets | $21,649,000 | 6,961 |
| Average equity | $3,252,750 | 6,823 |
| Average total loans | $8,608,750 | 6,993 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7893% | 6,164 |
| Cost of funding earning assets | 0.3854% | 6,350 |
| Net interest margin | 3.4039% | 5,068 |
| Noninterest income to average assets | 0.2549% | 5,755 |
| Noninterest expense to average assets | 3.9091% | 1,065 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.5014% | 6,735 |
| Return on assets (ROA) | -0.3739% | 6,714 |
| Pretax return on assets | -0.3739% | 6,683 |
| Return on Equity (ROE) | -2.7200% | 6,660 |
| Retained earnings to average equity (ytd only) | -2.7200% | 6,434 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.7132% | 270 |
| Assets per employee ($millions) | 2.3079% | 6,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4228% | 4,371 |
| Loan loss allowance to noncurrent loans | 72.2222% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 0.7799% | 4,841 |
| Noncurrent loans to loans | 1.9700% | 2,977 |
| Net loans and leases to total assets | 39.0268% | 6,403 |
| Net loans and leases to deposits | 46.2490% | 6,418 |
| Net loans and leases to core deposits | 50.1057% | 6,337 |
| Total domestic deposits to total assets | 84.3841% | 4,150 |
| Equity capital to assets | 14.1817% | 1,021 |
| Core capital (leverage) ratio | 13.5861% | 945 |
| Tier 1 risk-based capital ratio | 26.9502% | 729 |
| Total risk-based capital ratio | 28.0561% | 728 |
| Memoranda: | ||
| Average total assets | $23,534,670 | 7,052 |
| Average earning assets | $21,798,330 | 7,016 |
| Average equity | $3,235,330 | 6,865 |
| Average total loans | $8,406,330 | 7,058 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9314% | 5,947 |
| Cost of funding earning assets | 0.3822% | 6,497 |
| Net interest margin | 3.5492% | 4,489 |
| Noninterest income to average assets | 0.2525% | 5,837 |
| Noninterest expense to average assets | 3.9053% | 1,056 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.3703% | 6,750 |
| Return on assets (ROA) | -0.3198% | 6,758 |
| Pretax return on assets | -0.3198% | 6,742 |
| Return on Equity (ROE) | -2.3628% | 6,714 |
| Retained earnings to average equity (ytd only) | -2.3628% | 6,325 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.4762% | 328 |
| Assets per employee ($millions) | 2.3601% | 6,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7007% | 3,350 |
| Loan loss allowance to noncurrent loans | 70.6522% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 0.7796% | 4,987 |
| Noncurrent loans to loans | 2.4071% | 2,700 |
| Net loans and leases to total assets | 31.8376% | 6,837 |
| Net loans and leases to deposits | 37.7247% | 6,833 |
| Net loans and leases to core deposits | 42.1590% | 6,742 |
| Total domestic deposits to total assets | 84.3947% | 4,324 |
| Equity capital to assets | 13.7028% | 1,141 |
| Core capital (leverage) ratio | 13.4030% | 980 |
| Tier 1 risk-based capital ratio | 27.5187% | 683 |
| Total risk-based capital ratio | 28.6391% | 675 |
| Memoranda: | ||
| Average total assets | $23,762,500 | 7,106 |
| Average earning assets | $21,977,000 | 7,078 |
| Average equity | $3,216,500 | 6,918 |
| Average total loans | $8,041,000 | 7,134 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4696% | 5,182 |
| Cost of funding earning assets | 0.6126% | 6,030 |
| Net interest margin | 3.8570% | 3,530 |
| Noninterest income to average assets | 0.2394% | 5,825 |
| Noninterest expense to average assets | 3.9567% | 1,102 |
| Loan and lease loss provision to assets | 0.4242% | 2,469 |
| Net operating income to assets | -0.3842% | 6,403 |
| Return on assets (ROA) | 0.5754% | 4,302 |
| Pretax return on assets | 0.8611% | 3,738 |
| Return on Equity (ROE) | 4.2885% | 4,723 |
| Retained earnings to average equity (ytd only) | 4.2885% | 3,129 |
| Net charge-offs to loans | 1.7378% | 866 |
| Credit loss provision to net charge-offs | 60.1190% | 5,167 |
| Earnings coverage of net charge-offs (x) | -0.2083% | 5,961 |
| Efficiency ratio | 103.8589% | 572 |
| Assets per employee ($millions) | 2.3924% | 6,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5406% | 3,825 |
| Loan loss allowance to noncurrent loans | 69.1489% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 0.7858% | 5,063 |
| Noncurrent loans to loans | 2.2280% | 2,927 |
| Net loans and leases to total assets | 34.7266% | 6,833 |
| Net loans and leases to deposits | 43.6849% | 6,733 |
| Net loans and leases to core deposits | 49.9309% | 6,533 |
| Total domestic deposits to total assets | 79.4934% | 5,869 |
| Equity capital to assets | 13.3715% | 1,335 |
| Core capital (leverage) ratio | 13.5894% | 931 |
| Tier 1 risk-based capital ratio | 26.5850% | 733 |
| Total risk-based capital ratio | 27.6527% | 734 |
| Memoranda: | ||
| Average total assets | $23,807,800 | 7,131 |
| Average earning assets | $22,038,000 | 7,106 |
| Average equity | $3,194,600 | 6,967 |
| Average total loans | $9,667,400 | 7,125 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7447% | 4,256 |
| Cost of funding earning assets | 0.6484% | 6,043 |
| Net interest margin | 4.0963% | 2,491 |
| Noninterest income to average assets | 0.2411% | 5,900 |
| Noninterest expense to average assets | 4.0259% | 980 |
| Loan and lease loss provision to assets | 0.0785% | 5,460 |
| Net operating income to assets | -0.0855% | 6,267 |
| Return on assets (ROA) | 1.1382% | 1,967 |
| Pretax return on assets | 1.8391% | 885 |
| Return on Equity (ROE) | 8.4753% | 2,836 |
| Retained earnings to average equity (ytd only) | 8.4753% | 1,323 |
| Net charge-offs to loans | 1.0827% | 1,473 |
| Credit loss provision to net charge-offs | 17.2840% | 5,596 |
| Earnings coverage of net charge-offs (x) | 0.0123% | 5,593 |
| Efficiency ratio | 99.8609% | 664 |
| Assets per employee ($millions) | 2.3793% | 7,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 4,457 |
| Loan loss allowance to noncurrent loans | 67.0103% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 0.8154% | 5,140 |
| Noncurrent loans to loans | 2.1221% | 3,214 |
| Net loans and leases to total assets | 37.8767% | 6,775 |
| Net loans and leases to deposits | 44.4642% | 6,812 |
| Net loans and leases to core deposits | 50.0111% | 6,670 |
| Total domestic deposits to total assets | 85.1847% | 3,688 |
| Equity capital to assets | 13.8024% | 1,241 |
| Core capital (leverage) ratio | 13.5256% | 1,034 |
| Tier 1 risk-based capital ratio | 26.0383% | 832 |
| Total risk-based capital ratio | 27.0627% | 832 |
| Memoranda: | ||
| Average total assets | $23,778,750 | 7,206 |
| Average earning assets | $22,003,000 | 7,181 |
| Average equity | $3,193,500 | 7,020 |
| Average total loans | $9,974,750 | 7,190 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7217% | 4,441 |
| Cost of funding earning assets | 0.6629% | 6,160 |
| Net interest margin | 4.0588% | 2,578 |
| Noninterest income to average assets | 0.2524% | 5,842 |
| Noninterest expense to average assets | 4.0548% | 965 |
| Loan and lease loss provision to assets | 0.1178% | 4,801 |
| Net operating income to assets | -0.1280% | 6,386 |
| Return on assets (ROA) | 0.2944% | 5,531 |
| Pretax return on assets | 0.3617% | 5,510 |
| Return on Equity (ROE) | 2.2129% | 5,716 |
| Retained earnings to average equity (ytd only) | 2.2129% | 4,885 |
| Net charge-offs to loans | 0.8388% | 1,825 |
| Credit loss provision to net charge-offs | 32.5581% | 4,951 |
| Earnings coverage of net charge-offs (x) | -0.1163% | 5,357 |
| Efficiency ratio | 101.0482% | 691 |
| Assets per employee ($millions) | 2.4462% | 6,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6518% | 3,487 |
| Loan loss allowance to noncurrent loans | 25.6489% | 6,487 |
| Noncurrent assets plus other real estate owned to assets | 2.6776% | 2,495 |
| Noncurrent loans to loans | 6.4399% | 870 |
| Net loans and leases to total assets | 40.8920% | 6,680 |
| Net loans and leases to deposits | 47.8521% | 6,734 |
| Net loans and leases to core deposits | 51.5353% | 6,688 |
| Total domestic deposits to total assets | 85.4550% | 3,644 |
| Equity capital to assets | 13.3309% | 1,365 |
| Core capital (leverage) ratio | 12.7428% | 1,274 |
| Tier 1 risk-based capital ratio | 22.7057% | 1,164 |
| Total risk-based capital ratio | 23.9322% | 1,151 |
| Memoranda: | ||
| Average total assets | $23,774,000 | 7,273 |
| Average earning assets | $22,026,000 | 7,245 |
| Average equity | $3,163,330 | 7,085 |
| Average total loans | $10,252,330 | 7,254 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7546% | 4,279 |
| Cost of funding earning assets | 0.7400% | 5,926 |
| Net interest margin | 4.0146% | 2,625 |
| Noninterest income to average assets | 0.2561% | 5,848 |
| Noninterest expense to average assets | 4.0461% | 981 |
| Loan and lease loss provision to assets | 0.2390% | 3,281 |
| Net operating income to assets | -0.2889% | 6,650 |
| Return on assets (ROA) | 0.1366% | 6,039 |
| Pretax return on assets | 0.1536% | 6,046 |
| Return on Equity (ROE) | 1.0275% | 6,122 |
| Retained earnings to average equity (ytd only) | 1.0275% | 5,416 |
| Net charge-offs to loans | 1.6710% | 793 |
| Credit loss provision to net charge-offs | 32.5581% | 4,073 |
| Earnings coverage of net charge-offs (x) | -0.1163% | 4,651 |
| Efficiency ratio | 102.1552% | 666 |
| Assets per employee ($millions) | 2.4114% | 7,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6252% | 3,628 |
| Loan loss allowance to noncurrent loans | 27.6316% | 6,429 |
| Noncurrent assets plus other real estate owned to assets | 2.5214% | 2,711 |
| Noncurrent loans to loans | 5.8818% | 1,092 |
| Net loans and leases to total assets | 42.1705% | 6,605 |
| Net loans and leases to deposits | 51.3223% | 6,532 |
| Net loans and leases to core deposits | 54.0358% | 6,555 |
| Total domestic deposits to total assets | 82.1680% | 5,243 |
| Equity capital to assets | 12.9800% | 1,391 |
| Core capital (leverage) ratio | 13.1223% | 1,085 |
| Tier 1 risk-based capital ratio | 22.2671% | 1,181 |
| Total risk-based capital ratio | 23.4801% | 1,162 |
| Memoranda: | ||
| Average total assets | $23,430,000 | 7,331 |
| Average earning assets | $21,621,000 | 7,307 |
| Average equity | $3,114,500 | 7,137 |
| Average total loans | $10,293,000 | 7,307 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7311% | 5,683 |
| Cost of funding earning assets | 0.9760% | 5,806 |
| Net interest margin | 3.7551% | 4,134 |
| Noninterest income to average assets | 0.2720% | 5,839 |
| Noninterest expense to average assets | 4.0199% | 1,130 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -0.3109% | 6,229 |
| Return on assets (ROA) | 0.0820% | 5,768 |
| Pretax return on assets | 0.0173% | 5,862 |
| Return on Equity (ROE) | 0.6099% | 5,809 |
| Retained earnings to average equity (ytd only) | 0.6099% | 5,274 |
| Net charge-offs to loans | -0.4465% | 7,586 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.3081% | 528 |
| Assets per employee ($millions) | 2.2746% | 7,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9221% | 2,493 |
| Loan loss allowance to noncurrent loans | 29.4030% | 6,331 |
| Noncurrent assets plus other real estate owned to assets | 2.9456% | 2,388 |
| Noncurrent loans to loans | 6.5372% | 913 |
| Net loans and leases to total assets | 44.1924% | 6,695 |
| Net loans and leases to deposits | 51.4379% | 6,785 |
| Net loans and leases to core deposits | 53.4852% | 6,839 |
| Total domestic deposits to total assets | 85.9140% | 3,409 |
| Equity capital to assets | 13.6244% | 1,149 |
| Core capital (leverage) ratio | 13.4022% | 1,001 |
| Tier 1 risk-based capital ratio | 23.0977% | 1,026 |
| Total risk-based capital ratio | 24.3521% | 1,007 |
| Memoranda: | ||
| Average total assets | $23,160,000 | 7,391 |
| Average earning assets | $20,798,400 | 7,382 |
| Average equity | $3,115,400 | 7,242 |
| Average total loans | $10,527,000 | 7,369 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6596% | 6,153 |
| Cost of funding earning assets | 1.0063% | 5,911 |
| Net interest margin | 3.6534% | 4,618 |
| Noninterest income to average assets | 0.2808% | 5,864 |
| Noninterest expense to average assets | 3.9890% | 1,058 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.4413% | 6,551 |
| Return on assets (ROA) | 0.0803% | 5,959 |
| Pretax return on assets | 0.0803% | 5,949 |
| Return on Equity (ROE) | 0.5985% | 5,991 |
| Retained earnings to average equity (ytd only) | 0.5985% | 5,562 |
| Net charge-offs to loans | -0.5788% | 7,685 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.4394% | 484 |
| Assets per employee ($millions) | 2.2539% | 7,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9189% | 2,425 |
| Loan loss allowance to noncurrent loans | 29.6970% | 6,349 |
| Noncurrent assets plus other real estate owned to assets | 2.9283% | 2,482 |
| Noncurrent loans to loans | 6.4617% | 924 |
| Net loans and leases to total assets | 44.4474% | 6,809 |
| Net loans and leases to deposits | 51.7646% | 6,900 |
| Net loans and leases to core deposits | 52.4420% | 7,030 |
| Total domestic deposits to total assets | 85.8645% | 3,148 |
| Equity capital to assets | 13.9580% | 1,176 |
| Core capital (leverage) ratio | 13.1185% | 1,181 |
| Tier 1 risk-based capital ratio | 23.2083% | 1,037 |
| Total risk-based capital ratio | 24.4633% | 1,011 |
| Memoranda: | ||
| Average total assets | $23,263,500 | 7,484 |
| Average earning assets | $20,802,250 | 7,474 |
| Average equity | $3,119,500 | 7,328 |
| Average total loans | $10,596,500 | 7,461 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2346% | 7,136 |
| Cost of funding earning assets | 1.0201% | 6,053 |
| Net interest margin | 3.2144% | 6,270 |
| Noninterest income to average assets | 0.2808% | 5,901 |
| Noninterest expense to average assets | 3.9906% | 1,060 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.8679% | 6,890 |
| Return on assets (ROA) | -0.4680% | 6,658 |
| Pretax return on assets | -0.4680% | 6,559 |
| Return on Equity (ROE) | -3.5362% | 6,571 |
| Retained earnings to average equity (ytd only) | -3.5362% | 6,375 |
| Net charge-offs to loans | -0.8019% | 7,756 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.7929% | 330 |
| Assets per employee ($millions) | 2.7317% | 6,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8268% | 2,645 |
| Loan loss allowance to noncurrent loans | 17.6902% | 7,043 |
| Noncurrent assets plus other real estate owned to assets | 4.4377% | 1,497 |
| Noncurrent loans to loans | 10.3265% | 422 |
| Net loans and leases to total assets | 42.1883% | 7,035 |
| Net loans and leases to deposits | 50.9631% | 7,027 |
| Net loans and leases to core deposits | 51.6302% | 7,151 |
| Total domestic deposits to total assets | 82.7822% | 4,655 |
| Equity capital to assets | 12.6134% | 1,734 |
| Core capital (leverage) ratio | 12.6034% | 1,364 |
| Tier 1 risk-based capital ratio | 21.3382% | 1,293 |
| Total risk-based capital ratio | 22.5896% | 1,261 |
| Memoranda: | ||
| Average total assets | $23,505,000 | 7,545 |
| Average earning assets | $20,781,330 | 7,536 |
| Average equity | $3,110,670 | 7,379 |
| Average total loans | $10,724,000 | 7,516 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6737% | 6,335 |
| Cost of funding earning assets | 1.0878% | 5,967 |
| Net interest margin | 3.5858% | 4,788 |
| Noninterest income to average assets | 0.2787% | 5,915 |
| Noninterest expense to average assets | 4.1106% | 894 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.7315% | 6,972 |
| Return on assets (ROA) | -0.7315% | 6,997 |
| Pretax return on assets | -0.7315% | 6,915 |
| Return on Equity (ROE) | -5.3924% | 6,906 |
| Retained earnings to average equity (ytd only) | -5.3924% | 6,619 |
| Net charge-offs to loans | -1.2589% | 7,858 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.6495% | 426 |
| Assets per employee ($millions) | 2.3550% | 7,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7680% | 2,832 |
| Loan loss allowance to noncurrent loans | 14.4768% | 7,222 |
| Noncurrent assets plus other real estate owned to assets | 5.3970% | 1,154 |
| Noncurrent loans to loans | 12.2129% | 279 |
| Net loans and leases to total assets | 43.4098% | 7,036 |
| Net loans and leases to deposits | 50.3175% | 7,112 |
| Net loans and leases to core deposits | 53.6584% | 7,128 |
| Total domestic deposits to total assets | 86.2718% | 2,999 |
| Equity capital to assets | 13.2357% | 1,428 |
| Core capital (leverage) ratio | 13.0572% | 1,196 |
| Tier 1 risk-based capital ratio | 21.9695% | 1,206 |
| Total risk-based capital ratio | 23.2160% | 1,190 |
| Memoranda: | ||
| Average total assets | $22,965,000 | 7,654 |
| Average earning assets | $19,856,000 | 7,655 |
| Average equity | $3,115,500 | 7,460 |
| Average total loans | $10,803,500 | 7,610 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5281% | 4,001 |
| Cost of funding earning assets | 1.2060% | 6,638 |
| Net interest margin | 4.3222% | 1,653 |
| Noninterest income to average assets | 0.3425% | 5,640 |
| Noninterest expense to average assets | 4.1551% | 1,155 |
| Loan and lease loss provision to assets | 2.5046% | 792 |
| Net operating income to assets | -1.7621% | 6,998 |
| Return on assets (ROA) | -1.4725% | 6,848 |
| Pretax return on assets | -2.1087% | 6,978 |
| Return on Equity (ROE) | -9.6891% | 6,599 |
| Retained earnings to average equity (ytd only) | -9.6891% | 6,496 |
| Net charge-offs to loans | 5.0802% | 247 |
| Credit loss provision to net charge-offs | 92.4466% | 5,923 |
| Earnings coverage of net charge-offs (x) | -0.0066% | 6,209 |
| Efficiency ratio | 100.4301% | 1,079 |
| Assets per employee ($millions) | 2.2380% | 7,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3393% | 4,536 |
| Loan loss allowance to noncurrent loans | 11.1773% | 7,348 |
| Noncurrent assets plus other real estate owned to assets | 5.9964% | 944 |
| Noncurrent loans to loans | 11.9821% | 283 |
| Net loans and leases to total assets | 49.3744% | 6,697 |
| Net loans and leases to deposits | 57.5461% | 6,815 |
| Net loans and leases to core deposits | 73.5196% | 6,563 |
| Total domestic deposits to total assets | 85.7998% | 3,112 |
| Equity capital to assets | 13.9142% | 1,194 |
| Core capital (leverage) ratio | 13.2231% | 1,179 |
| Tier 1 risk-based capital ratio | 21.6109% | 1,199 |
| Total risk-based capital ratio | 22.6717% | 1,203 |
| Memoranda: | ||
| Average total assets | $22,478,600 | 7,717 |
| Average earning assets | $19,735,400 | 7,717 |
| Average equity | $3,416,200 | 7,469 |
| Average total loans | $11,987,800 | 7,605 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6257% | 3,716 |
| Cost of funding earning assets | 1.2306% | 6,800 |
| Net interest margin | 4.3951% | 1,451 |
| Noninterest income to average assets | 0.3436% | 5,747 |
| Noninterest expense to average assets | 4.1415% | 1,087 |
| Loan and lease loss provision to assets | 0.2666% | 4,829 |
| Net operating income to assets | -0.1422% | 5,973 |
| Return on assets (ROA) | 0.3970% | 4,510 |
| Pretax return on assets | 0.3259% | 4,991 |
| Return on Equity (ROE) | 2.5583% | 4,962 |
| Retained earnings to average equity (ytd only) | 2.5583% | 3,885 |
| Net charge-offs to loans | 1.8493% | 1,092 |
| Credit loss provision to net charge-offs | 26.6272% | 6,527 |
| Earnings coverage of net charge-offs (x) | 0.0533% | 5,998 |
| Efficiency ratio | 98.7288% | 1,126 |
| Assets per employee ($millions) | 2.3870% | 7,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6219% | 7,544 |
| Loan loss allowance to noncurrent loans | 4.0793% | 7,513 |
| Noncurrent assets plus other real estate owned to assets | 7.3942% | 617 |
| Noncurrent loans to loans | 15.2444% | 140 |
| Net loans and leases to total assets | 48.2028% | 6,933 |
| Net loans and leases to deposits | 56.7049% | 7,045 |
| Net loans and leases to core deposits | 68.2606% | 7,061 |
| Total domestic deposits to total assets | 85.0063% | 3,234 |
| Equity capital to assets | 14.8094% | 1,062 |
| Core capital (leverage) ratio | 14.8873% | 880 |
| Tier 1 risk-based capital ratio | 23.5687% | 1,046 |
| Total risk-based capital ratio | 24.0600% | 1,098 |
| Memoranda: | ||
| Average total assets | $22,503,250 | 7,788 |
| Average earning assets | $19,718,500 | 7,793 |
| Average equity | $3,491,750 | 7,511 |
| Average total loans | $12,184,750 | 7,664 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7705% | 3,191 |
| Cost of funding earning assets | 1.2566% | 6,938 |
| Net interest margin | 4.5138% | 1,139 |
| Noninterest income to average assets | 0.3719% | 5,534 |
| Noninterest expense to average assets | 4.2363% | 1,025 |
| Loan and lease loss provision to assets | 0.3810% | 3,642 |
| Net operating income to assets | -0.0998% | 6,009 |
| Return on assets (ROA) | 0.7257% | 3,254 |
| Pretax return on assets | 0.6531% | 4,153 |
| Return on Equity (ROE) | 4.6012% | 4,255 |
| Retained earnings to average equity (ytd only) | 4.6012% | 2,732 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3061% | 1,421 |
| Assets per employee ($millions) | 2.2597% | 7,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9375% | 1,701 |
| Loan loss allowance to noncurrent loans | 15.6271% | 7,348 |
| Noncurrent assets plus other real estate owned to assets | 6.7398% | 658 |
| Noncurrent loans to loans | 12.3982% | 204 |
| Net loans and leases to total assets | 53.3080% | 6,531 |
| Net loans and leases to deposits | 63.3200% | 6,633 |
| Net loans and leases to core deposits | 82.2196% | 6,221 |
| Total domestic deposits to total assets | 84.1882% | 3,654 |
| Equity capital to assets | 15.4180% | 942 |
| Core capital (leverage) ratio | 14.7176% | 971 |
| Tier 1 risk-based capital ratio | 23.2742% | 1,112 |
| Total risk-based capital ratio | 24.5299% | 1,087 |
| Memoranda: | ||
| Average total assets | $22,047,670 | 7,880 |
| Average earning assets | $19,894,330 | 7,863 |
| Average equity | $3,477,330 | 7,582 |
| Average total loans | $12,387,000 | 7,733 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0161% | 2,296 |
| Cost of funding earning assets | 1.3167% | 6,972 |
| Net interest margin | 4.6994% | 765 |
| Noninterest income to average assets | 0.3491% | 5,651 |
| Noninterest expense to average assets | 4.1887% | 953 |
| Loan and lease loss provision to assets | 0.0551% | 6,276 |
| Net operating income to assets | 0.6063% | 3,990 |
| Return on assets (ROA) | 0.6063% | 4,182 |
| Pretax return on assets | 0.3674% | 5,490 |
| Return on Equity (ROE) | 3.7997% | 5,029 |
| Retained earnings to average equity (ytd only) | 3.7997% | 3,777 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8367% | 1,660 |
| Assets per employee ($millions) | 2.1317% | 7,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6120% | 2,469 |
| Loan loss allowance to noncurrent loans | 12.9389% | 7,461 |
| Noncurrent assets plus other real estate owned to assets | 7.2149% | 456 |
| Noncurrent loans to loans | 12.4585% | 164 |
| Net loans and leases to total assets | 56.9780% | 6,100 |
| Net loans and leases to deposits | 70.9380% | 5,876 |
| Net loans and leases to core deposits | 91.2684% | 5,430 |
| Total domestic deposits to total assets | 80.3209% | 5,230 |
| Equity capital to assets | 16.4939% | 796 |
| Core capital (leverage) ratio | 15.4193% | 882 |
| Tier 1 risk-based capital ratio | 23.2085% | 1,168 |
| Total risk-based capital ratio | 24.4571% | 1,145 |
| Memoranda: | ||
| Average total assets | $21,773,000 | 7,931 |
| Average earning assets | $19,747,000 | 7,911 |
| Average equity | $3,474,000 | 7,631 |
| Average total loans | $12,438,500 | 7,780 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0396% | 5,361 |
| Cost of funding earning assets | 1.7181% | 7,218 |
| Net interest margin | 4.3215% | 1,913 |
| Noninterest income to average assets | 0.3957% | 5,504 |
| Noninterest expense to average assets | 4.2057% | 1,140 |
| Loan and lease loss provision to assets | 0.5890% | 2,467 |
| Net operating income to assets | -0.3608% | 6,783 |
| Return on assets (ROA) | -0.3313% | 6,631 |
| Pretax return on assets | -0.5568% | 6,694 |
| Return on Equity (ROE) | -2.0760% | 6,515 |
| Retained earnings to average equity (ytd only) | -3.3735% | 6,201 |
| Net charge-offs to loans | 0.7743% | 1,608 |
| Credit loss provision to net charge-offs | 139.1304% | 3,814 |
| Earnings coverage of net charge-offs (x) | -0.0326% | 6,266 |
| Efficiency ratio | 100.3293% | 967 |
| Assets per employee ($millions) | 2.2229% | 7,669 |
| Cash dividends to net income (ytd only)* | -62.5000% | 8,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5640% | 2,380 |
| Loan loss allowance to noncurrent loans | 12.6779% | 7,461 |
| Noncurrent assets plus other real estate owned to assets | 6.9549% | 382 |
| Noncurrent loans to loans | 12.3364% | 118 |
| Net loans and leases to total assets | 55.4951% | 6,485 |
| Net loans and leases to deposits | 71.5338% | 6,113 |
| Net loans and leases to core deposits | 94.6085% | 5,392 |
| Total domestic deposits to total assets | 77.5788% | 5,849 |
| Equity capital to assets | 15.4393% | 1,064 |
| Core capital (leverage) ratio | 14.9135% | 1,058 |
| Tier 1 risk-based capital ratio | 22.2419% | 1,287 |
| Total risk-based capital ratio | 23.4831% | 1,253 |
| Memoranda: | ||
| Average total assets | $21,732,400 | 7,963 |
| Average earning assets | $19,090,600 | 7,965 |
| Average equity | $3,468,200 | 7,692 |
| Average total loans | $11,881,600 | 7,837 |