Home > Pineland State Bank > Performance and Condition Ratios
Pineland State Bank, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0937% | 2,885 |
| Cost of funding earning assets | 0.3193% | 3,904 |
| Net interest margin | 3.7744% | 2,426 |
| Noninterest income to average assets | 0.7116% | 2,087 |
| Noninterest expense to average assets | 3.5692% | 1,049 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3632% | 5,141 |
| Return on assets (ROA) | 0.3632% | 5,235 |
| Pretax return on assets | 0.5686% | 4,975 |
| Return on Equity (ROE) | 3.5446% | 5,079 |
| Retained earnings to average equity (ytd only) | 3.5446% | 3,637 |
| Net charge-offs to loans | 0.3392% | 697 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 3.0392% | 3,175 |
| Efficiency ratio | 86.2589% | 856 |
| Assets per employee ($millions) | 3.0941% | 5,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6260% | 1,453 |
| Loan loss allowance to noncurrent loans | 90.7547% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 3.1902% | 372 |
| Noncurrent loans to loans | 1.7917% | 1,157 |
| Net loans and leases to total assets | 55.3242% | 4,377 |
| Net loans and leases to deposits | 62.3046% | 4,632 |
| Net loans and leases to core deposits | 64.2384% | 4,731 |
| Total domestic deposits to total assets | 88.7964% | 1,012 |
| Equity capital to assets | 10.7226% | 3,373 |
| Core capital (leverage) ratio | 9.9415% | 3,630 |
| Tier 1 risk-based capital ratio | 17.4825% | 2,066 |
| Total risk-based capital ratio | 18.7369% | 2,033 |
| Memoranda: | ||
| Average total assets | $54,521,670 | 5,357 |
| Average earning assets | $49,490,670 | 5,363 |
| Average equity | $5,586,000 | 5,461 |
| Average total loans | $30,066,670 | 5,291 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0657% | 2,981 |
| Cost of funding earning assets | 0.3256% | 3,894 |
| Net interest margin | 3.7401% | 2,524 |
| Noninterest income to average assets | 0.6921% | 2,076 |
| Noninterest expense to average assets | 3.5831% | 1,043 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3244% | 5,225 |
| Return on assets (ROA) | 0.3244% | 5,311 |
| Pretax return on assets | 0.5047% | 5,075 |
| Return on Equity (ROE) | 3.2380% | 5,149 |
| Retained earnings to average equity (ytd only) | 3.2380% | 3,878 |
| Net charge-offs to loans | -0.0132% | 4,654 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6543% | 842 |
| Assets per employee ($millions) | 3.3692% | 5,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7909% | 1,172 |
| Loan loss allowance to noncurrent loans | 74.9648% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 3.1112% | 395 |
| Noncurrent loans to loans | 2.3890% | 813 |
| Net loans and leases to total assets | 51.0292% | 4,722 |
| Net loans and leases to deposits | 56.8008% | 4,932 |
| Net loans and leases to core deposits | 58.4058% | 5,021 |
| Total domestic deposits to total assets | 89.8389% | 660 |
| Equity capital to assets | 9.7474% | 4,400 |
| Core capital (leverage) ratio | 9.7578% | 3,834 |
| Tier 1 risk-based capital ratio | 17.3584% | 2,170 |
| Total risk-based capital ratio | 18.6145% | 2,134 |
| Memoranda: | ||
| Average total assets | $55,483,000 | 5,392 |
| Average earning assets | $50,372,500 | 5,394 |
| Average equity | $5,559,000 | 5,501 |
| Average total loans | $30,309,500 | 5,327 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9997% | 3,307 |
| Cost of funding earning assets | 0.3521% | 3,679 |
| Net interest margin | 3.6476% | 2,950 |
| Noninterest income to average assets | 0.6555% | 2,435 |
| Noninterest expense to average assets | 3.7964% | 867 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4261% | 4,965 |
| Return on assets (ROA) | 0.4279% | 5,039 |
| Pretax return on assets | 0.1621% | 5,739 |
| Return on Equity (ROE) | 4.3827% | 4,791 |
| Retained earnings to average equity (ytd only) | 4.3827% | 2,853 |
| Net charge-offs to loans | 0.1295% | 2,077 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 2.2564% | 3,940 |
| Efficiency ratio | 95.9503% | 397 |
| Assets per employee ($millions) | 2.9827% | 5,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7240% | 1,302 |
| Loan loss allowance to noncurrent loans | 54.3967% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 4.0921% | 255 |
| Noncurrent loans to loans | 3.1694% | 481 |
| Net loans and leases to total assets | 56.4846% | 4,256 |
| Net loans and leases to deposits | 63.2873% | 4,524 |
| Net loans and leases to core deposits | 65.2074% | 4,653 |
| Total domestic deposits to total assets | 89.2511% | 997 |
| Equity capital to assets | 10.3094% | 3,612 |
| Core capital (leverage) ratio | 10.0101% | 3,493 |
| Tier 1 risk-based capital ratio | 16.4659% | 2,501 |
| Total risk-based capital ratio | 17.7190% | 2,456 |
| Memoranda: | ||
| Average total assets | $54,920,600 | 5,434 |
| Average earning assets | $49,703,600 | 5,444 |
| Average equity | $5,362,000 | 5,567 |
| Average total loans | $30,105,200 | 5,352 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9298% | 3,630 |
| Cost of funding earning assets | 0.3541% | 3,711 |
| Net interest margin | 3.5757% | 3,254 |
| Noninterest income to average assets | 0.6373% | 2,544 |
| Noninterest expense to average assets | 3.7830% | 871 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0660% | 5,880 |
| Return on assets (ROA) | 0.0676% | 5,918 |
| Pretax return on assets | 0.0990% | 5,889 |
| Return on Equity (ROE) | 0.7019% | 5,899 |
| Retained earnings to average equity (ytd only) | 0.7019% | 5,407 |
| Net charge-offs to loans | 0.0980% | 2,172 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.8183% | 3,772 |
| Efficiency ratio | 97.5109% | 372 |
| Assets per employee ($millions) | 2.8850% | 5,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7974% | 1,272 |
| Loan loss allowance to noncurrent loans | 46.2901% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 5.0826% | 193 |
| Noncurrent loans to loans | 3.8829% | 350 |
| Net loans and leases to total assets | 54.7204% | 4,490 |
| Net loans and leases to deposits | 60.9196% | 4,789 |
| Net loans and leases to core deposits | 62.7169% | 4,885 |
| Total domestic deposits to total assets | 89.8240% | 643 |
| Equity capital to assets | 9.7437% | 4,464 |
| Core capital (leverage) ratio | 9.3172% | 4,563 |
| Tier 1 risk-based capital ratio | 15.2916% | 3,148 |
| Total risk-based capital ratio | 16.5451% | 3,073 |
| Memoranda: | ||
| Average total assets | $55,228,500 | 5,499 |
| Average earning assets | $50,077,250 | 5,504 |
| Average equity | $5,318,750 | 5,649 |
| Average total loans | $29,917,000 | 5,426 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8619% | 3,824 |
| Cost of funding earning assets | 0.3493% | 3,814 |
| Net interest margin | 3.5126% | 3,451 |
| Noninterest income to average assets | 0.6033% | 2,717 |
| Noninterest expense to average assets | 3.7460% | 932 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0397% | 5,949 |
| Return on assets (ROA) | 0.0397% | 5,992 |
| Pretax return on assets | 0.0542% | 5,975 |
| Return on Equity (ROE) | 0.4142% | 5,977 |
| Retained earnings to average equity (ytd only) | 0.4142% | 5,381 |
| Net charge-offs to loans | 0.0067% | 3,660 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 2,009 |
| Efficiency ratio | 98.5741% | 361 |
| Assets per employee ($millions) | 2.6349% | 5,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9582% | 1,054 |
| Loan loss allowance to noncurrent loans | 40.8309% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 5.2339% | 199 |
| Noncurrent loans to loans | 4.7958% | 255 |
| Net loans and leases to total assets | 51.5777% | 4,794 |
| Net loans and leases to deposits | 57.3591% | 5,035 |
| Net loans and leases to core deposits | 59.0307% | 5,132 |
| Total domestic deposits to total assets | 89.9208% | 693 |
| Equity capital to assets | 9.6093% | 4,519 |
| Core capital (leverage) ratio | 9.0933% | 4,830 |
| Tier 1 risk-based capital ratio | 15.7996% | 2,954 |
| Total risk-based capital ratio | 17.0554% | 2,911 |
| Memoranda: | ||
| Average total assets | $55,366,330 | 5,556 |
| Average earning assets | $50,390,000 | 5,551 |
| Average equity | $5,311,330 | 5,701 |
| Average total loans | $29,708,000 | 5,483 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8758% | 3,723 |
| Cost of funding earning assets | 0.3545% | 3,809 |
| Net interest margin | 3.5213% | 3,339 |
| Noninterest income to average assets | 0.6572% | 2,372 |
| Noninterest expense to average assets | 3.6906% | 1,026 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1300% | 5,827 |
| Return on assets (ROA) | 0.1300% | 5,889 |
| Pretax return on assets | 0.1950% | 5,833 |
| Return on Equity (ROE) | 1.3563% | 5,840 |
| Retained earnings to average equity (ytd only) | 1.3563% | 4,943 |
| Net charge-offs to loans | 0.0133% | 2,919 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,223 |
| Efficiency ratio | 94.9814% | 546 |
| Assets per employee ($millions) | 2.5982% | 6,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9454% | 1,196 |
| Loan loss allowance to noncurrent loans | 44.9882% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 5.0700% | 240 |
| Noncurrent loans to loans | 4.3242% | 370 |
| Net loans and leases to total assets | 50.2624% | 4,818 |
| Net loans and leases to deposits | 55.7345% | 5,068 |
| Net loans and leases to core deposits | 57.2973% | 5,166 |
| Total domestic deposits to total assets | 90.1819% | 660 |
| Equity capital to assets | 9.3230% | 4,934 |
| Core capital (leverage) ratio | 9.2045% | 4,703 |
| Tier 1 risk-based capital ratio | 15.9122% | 2,959 |
| Total risk-based capital ratio | 17.1683% | 2,901 |
| Memoranda: | ||
| Average total assets | $55,383,500 | 5,606 |
| Average earning assets | $50,776,000 | 5,602 |
| Average equity | $5,308,500 | 5,758 |
| Average total loans | $30,007,500 | 5,507 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2300% | 2,848 |
| Cost of funding earning assets | 0.3911% | 3,778 |
| Net interest margin | 3.8389% | 2,475 |
| Noninterest income to average assets | 0.7775% | 1,961 |
| Noninterest expense to average assets | 3.8204% | 962 |
| Loan and lease loss provision to assets | 0.2531% | 893 |
| Net operating income to assets | 0.1284% | 5,914 |
| Return on assets (ROA) | 0.1284% | 5,959 |
| Pretax return on assets | 0.2712% | 5,757 |
| Return on Equity (ROE) | 1.3490% | 5,922 |
| Retained earnings to average equity (ytd only) | 1.3490% | 5,170 |
| Net charge-offs to loans | 0.5674% | 715 |
| Credit loss provision to net charge-offs | 75.2688% | 2,962 |
| Earnings coverage of net charge-offs (x) | 1.5591% | 4,394 |
| Efficiency ratio | 87.9318% | 1,001 |
| Assets per employee ($millions) | 2.4367% | 6,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8590% | 1,401 |
| Loan loss allowance to noncurrent loans | 36.8150% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 5.1560% | 258 |
| Noncurrent loans to loans | 5.0497% | 287 |
| Net loans and leases to total assets | 56.2315% | 4,301 |
| Net loans and leases to deposits | 62.6942% | 4,666 |
| Net loans and leases to core deposits | 64.5828% | 4,789 |
| Total domestic deposits to total assets | 89.6916% | 875 |
| Equity capital to assets | 9.8644% | 4,276 |
| Core capital (leverage) ratio | 9.4227% | 4,354 |
| Tier 1 risk-based capital ratio | 16.0802% | 2,924 |
| Total risk-based capital ratio | 17.3378% | 2,861 |
| Memoranda: | ||
| Average total assets | $55,308,400 | 5,664 |
| Average earning assets | $51,395,000 | 5,634 |
| Average equity | $5,263,200 | 5,799 |
| Average total loans | $32,781,200 | 5,457 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2480% | 2,814 |
| Cost of funding earning assets | 0.3920% | 3,879 |
| Net interest margin | 3.8559% | 2,409 |
| Noninterest income to average assets | 0.6890% | 2,385 |
| Noninterest expense to average assets | 3.6865% | 1,142 |
| Loan and lease loss provision to assets | 0.3349% | 542 |
| Net operating income to assets | 0.1579% | 5,932 |
| Return on assets (ROA) | 0.1579% | 5,965 |
| Pretax return on assets | 0.2440% | 5,878 |
| Return on Equity (ROE) | 1.6740% | 5,906 |
| Retained earnings to average equity (ytd only) | 1.6740% | 5,211 |
| Net charge-offs to loans | 0.5125% | 751 |
| Credit loss provision to net charge-offs | 109.3750% | 2,050 |
| Earnings coverage of net charge-offs (x) | 1.8907% | 4,049 |
| Efficiency ratio | 86.4274% | 1,143 |
| Assets per employee ($millions) | 2.4761% | 6,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8873% | 1,478 |
| Loan loss allowance to noncurrent loans | 32.0591% | 5,669 |
| Noncurrent assets plus other real estate owned to assets | 5.9331% | 236 |
| Noncurrent loans to loans | 5.8869% | 245 |
| Net loans and leases to total assets | 60.0268% | 3,783 |
| Net loans and leases to deposits | 66.9266% | 4,239 |
| Net loans and leases to core deposits | 68.9096% | 4,424 |
| Total domestic deposits to total assets | 89.6905% | 880 |
| Equity capital to assets | 9.7111% | 4,541 |
| Core capital (leverage) ratio | 9.0814% | 4,957 |
| Tier 1 risk-based capital ratio | 14.6658% | 3,777 |
| Total risk-based capital ratio | 15.9243% | 3,715 |
| Memoranda: | ||
| Average total assets | $55,733,750 | 5,718 |
| Average earning assets | $51,693,750 | 5,690 |
| Average equity | $5,257,000 | 5,857 |
| Average total loans | $33,297,750 | 5,478 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1937% | 2,976 |
| Cost of funding earning assets | 0.3924% | 3,958 |
| Net interest margin | 3.8013% | 2,570 |
| Noninterest income to average assets | 0.6838% | 2,360 |
| Noninterest expense to average assets | 3.5260% | 1,428 |
| Loan and lease loss provision to assets | 0.3918% | 429 |
| Net operating income to assets | 0.1852% | 5,878 |
| Return on assets (ROA) | 0.1852% | 5,926 |
| Pretax return on assets | 0.2849% | 5,813 |
| Return on Equity (ROE) | 1.9825% | 5,839 |
| Retained earnings to average equity (ytd only) | 1.9825% | 4,887 |
| Net charge-offs to loans | 0.7811% | 487 |
| Credit loss provision to net charge-offs | 84.6154% | 2,265 |
| Earnings coverage of net charge-offs (x) | 1.4615% | 3,796 |
| Efficiency ratio | 83.8983% | 1,531 |
| Assets per employee ($millions) | 2.9678% | 5,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7361% | 2,020 |
| Loan loss allowance to noncurrent loans | 30.7732% | 5,754 |
| Noncurrent assets plus other real estate owned to assets | 5.8398% | 266 |
| Noncurrent loans to loans | 5.6415% | 304 |
| Net loans and leases to total assets | 59.9248% | 3,727 |
| Net loans and leases to deposits | 66.5308% | 4,219 |
| Net loans and leases to core deposits | 67.0669% | 4,549 |
| Total domestic deposits to total assets | 90.0708% | 772 |
| Equity capital to assets | 9.3706% | 4,878 |
| Core capital (leverage) ratio | 8.8948% | 5,167 |
| Tier 1 risk-based capital ratio | 14.3979% | 3,991 |
| Total risk-based capital ratio | 15.6534% | 3,929 |
| Memoranda: | ||
| Average total assets | $56,153,670 | 5,757 |
| Average earning assets | $51,982,330 | 5,735 |
| Average equity | $5,246,000 | 5,902 |
| Average total loans | $33,287,670 | 5,523 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1503% | 3,069 |
| Cost of funding earning assets | 0.4034% | 3,932 |
| Net interest margin | 3.7469% | 2,692 |
| Noninterest income to average assets | 0.7995% | 1,752 |
| Noninterest expense to average assets | 3.5549% | 1,391 |
| Loan and lease loss provision to assets | 0.4283% | 387 |
| Net operating income to assets | 0.1713% | 5,876 |
| Return on assets (ROA) | 0.1713% | 5,920 |
| Pretax return on assets | 0.2641% | 5,792 |
| Return on Equity (ROE) | 1.8366% | 5,830 |
| Retained earnings to average equity (ytd only) | 1.8366% | 4,865 |
| Net charge-offs to loans | 1.5762% | 200 |
| Credit loss provision to net charge-offs | 46.5116% | 2,236 |
| Earnings coverage of net charge-offs (x) | 0.7519% | 3,271 |
| Efficiency ratio | 83.6975% | 1,706 |
| Assets per employee ($millions) | 3.0126% | 5,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6546% | 2,496 |
| Loan loss allowance to noncurrent loans | 26.1201% | 5,947 |
| Noncurrent assets plus other real estate owned to assets | 6.9706% | 222 |
| Noncurrent loans to loans | 6.3345% | 270 |
| Net loans and leases to total assets | 56.9043% | 4,016 |
| Net loans and leases to deposits | 62.9143% | 4,439 |
| Net loans and leases to core deposits | 63.4116% | 4,740 |
| Total domestic deposits to total assets | 90.4472% | 830 |
| Equity capital to assets | 9.1370% | 4,961 |
| Core capital (leverage) ratio | 9.0128% | 4,990 |
| Tier 1 risk-based capital ratio | 14.4302% | 4,041 |
| Total risk-based capital ratio | 15.6842% | 4,000 |
| Memoranda: | ||
| Average total assets | $56,036,000 | 5,814 |
| Average earning assets | $51,562,500 | 5,797 |
| Average equity | $5,227,000 | 5,942 |
| Average total loans | $32,737,500 | 5,594 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3398% | 2,809 |
| Cost of funding earning assets | 0.4841% | 3,774 |
| Net interest margin | 3.8558% | 2,450 |
| Noninterest income to average assets | 0.0289% | 6,596 |
| Noninterest expense to average assets | 3.5953% | 1,458 |
| Loan and lease loss provision to assets | 0.3174% | 1,043 |
| Net operating income to assets | -0.4719% | 6,482 |
| Return on assets (ROA) | -0.4719% | 6,491 |
| Pretax return on assets | -0.3548% | 6,440 |
| Return on Equity (ROE) | -5.0877% | 6,489 |
| Retained earnings to average equity (ytd only) | -5.0877% | 6,376 |
| Net charge-offs to loans | 1.4621% | 331 |
| Credit loss provision to net charge-offs | 38.5567% | 4,072 |
| Earnings coverage of net charge-offs (x) | -0.0454% | 5,099 |
| Efficiency ratio | 101.0496% | 449 |
| Assets per employee ($millions) | 2.8859% | 6,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9070% | 1,768 |
| Loan loss allowance to noncurrent loans | 33.2794% | 5,842 |
| Noncurrent assets plus other real estate owned to assets | 6.9066% | 245 |
| Noncurrent loans to loans | 5.7302% | 378 |
| Net loans and leases to total assets | 57.8823% | 4,053 |
| Net loans and leases to deposits | 64.2938% | 4,475 |
| Net loans and leases to core deposits | 64.8270% | 4,793 |
| Total domestic deposits to total assets | 90.0277% | 1,058 |
| Equity capital to assets | 9.5273% | 4,388 |
| Core capital (leverage) ratio | 8.7932% | 5,293 |
| Tier 1 risk-based capital ratio | 14.3923% | 4,020 |
| Total risk-based capital ratio | 15.6494% | 3,962 |
| Memoranda: | ||
| Average total assets | $58,910,600 | 5,783 |
| Average earning assets | $53,919,400 | 5,769 |
| Average equity | $5,464,200 | 5,942 |
| Average total loans | $33,171,000 | 5,615 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3929% | 2,617 |
| Cost of funding earning assets | 0.4959% | 3,802 |
| Net interest margin | 3.8969% | 2,287 |
| Noninterest income to average assets | 0.4049% | 4,494 |
| Noninterest expense to average assets | 3.5685% | 1,464 |
| Loan and lease loss provision to assets | 0.4183% | 705 |
| Net operating income to assets | 0.0045% | 6,292 |
| Return on assets (ROA) | 0.0045% | 6,340 |
| Pretax return on assets | -0.0156% | 6,333 |
| Return on Equity (ROE) | 0.0483% | 6,339 |
| Retained earnings to average equity (ytd only) | 0.0483% | 5,919 |
| Net charge-offs to loans | 1.9216% | 205 |
| Credit loss provision to net charge-offs | 39.0852% | 3,722 |
| Earnings coverage of net charge-offs (x) | 0.3763% | 4,740 |
| Efficiency ratio | 89.8599% | 1,006 |
| Assets per employee ($millions) | 2.9178% | 5,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9105% | 1,973 |
| Loan loss allowance to noncurrent loans | 37.8806% | 5,705 |
| Noncurrent assets plus other real estate owned to assets | 7.0005% | 293 |
| Noncurrent loans to loans | 5.0435% | 590 |
| Net loans and leases to total assets | 57.6039% | 4,076 |
| Net loans and leases to deposits | 64.2581% | 4,495 |
| Net loans and leases to core deposits | 64.9217% | 4,809 |
| Total domestic deposits to total assets | 89.6445% | 1,200 |
| Equity capital to assets | 9.9100% | 4,036 |
| Core capital (leverage) ratio | 9.0920% | 4,980 |
| Tier 1 risk-based capital ratio | 14.6821% | 3,963 |
| Total risk-based capital ratio | 15.9390% | 3,917 |
| Memoranda: | ||
| Average total assets | $59,930,250 | 5,822 |
| Average earning assets | $54,845,000 | 5,799 |
| Average equity | $5,524,250 | 5,993 |
| Average total loans | $33,375,000 | 5,662 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3718% | 2,679 |
| Cost of funding earning assets | 0.4976% | 3,923 |
| Net interest margin | 3.8742% | 2,297 |
| Noninterest income to average assets | 0.3354% | 5,003 |
| Noninterest expense to average assets | 3.2852% | 2,112 |
| Loan and lease loss provision to assets | 0.5047% | 537 |
| Net operating income to assets | 0.0749% | 6,189 |
| Return on assets (ROA) | 0.0749% | 6,273 |
| Pretax return on assets | 0.0944% | 6,237 |
| Return on Equity (ROE) | 0.8312% | 6,249 |
| Retained earnings to average equity (ytd only) | 0.8312% | 5,566 |
| Net charge-offs to loans | 2.3954% | 164 |
| Credit loss provision to net charge-offs | 38.4615% | 3,445 |
| Earnings coverage of net charge-offs (x) | 0.4566% | 4,385 |
| Efficiency ratio | 84.5767% | 1,568 |
| Assets per employee ($millions) | 3.0915% | 5,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0219% | 1,805 |
| Loan loss allowance to noncurrent loans | 29.9910% | 6,018 |
| Noncurrent assets plus other real estate owned to assets | 7.8467% | 268 |
| Noncurrent loans to loans | 6.7416% | 374 |
| Net loans and leases to total assets | 55.0274% | 4,446 |
| Net loans and leases to deposits | 61.0413% | 4,856 |
| Net loans and leases to core deposits | 61.6326% | 5,132 |
| Total domestic deposits to total assets | 90.1478% | 950 |
| Equity capital to assets | 9.3943% | 4,727 |
| Core capital (leverage) ratio | 8.5873% | 5,571 |
| Tier 1 risk-based capital ratio | 14.5586% | 4,062 |
| Total risk-based capital ratio | 15.8150% | 4,027 |
| Memoranda: | ||
| Average total assets | $61,427,330 | 5,822 |
| Average earning assets | $56,269,330 | 5,793 |
| Average equity | $5,534,330 | 6,033 |
| Average total loans | $33,647,670 | 5,681 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5981% | 1,827 |
| Cost of funding earning assets | 0.5001% | 4,086 |
| Net interest margin | 4.0980% | 1,471 |
| Noninterest income to average assets | 0.5225% | 3,620 |
| Noninterest expense to average assets | 3.1861% | 2,393 |
| Loan and lease loss provision to assets | 0.7647% | 288 |
| Net operating income to assets | 0.2230% | 5,811 |
| Return on assets (ROA) | 0.2230% | 5,937 |
| Pretax return on assets | 0.3314% | 5,770 |
| Return on Equity (ROE) | 2.5259% | 5,765 |
| Retained earnings to average equity (ytd only) | 2.5259% | 4,761 |
| Net charge-offs to loans | 3.6142% | 83 |
| Credit loss provision to net charge-offs | 39.0879% | 2,758 |
| Earnings coverage of net charge-offs (x) | 0.5603% | 3,631 |
| Efficiency ratio | 74.4048% | 3,193 |
| Assets per employee ($millions) | 3.2875% | 5,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1740% | 1,642 |
| Loan loss allowance to noncurrent loans | 19.3155% | 6,359 |
| Noncurrent assets plus other real estate owned to assets | 9.1814% | 235 |
| Noncurrent loans to loans | 11.2551% | 163 |
| Net loans and leases to total assets | 52.4454% | 4,633 |
| Net loans and leases to deposits | 57.7995% | 5,062 |
| Net loans and leases to core deposits | 58.3222% | 5,311 |
| Total domestic deposits to total assets | 90.7369% | 650 |
| Equity capital to assets | 8.8997% | 5,615 |
| Core capital (leverage) ratio | 8.3247% | 5,793 |
| Tier 1 risk-based capital ratio | 14.5893% | 4,112 |
| Total risk-based capital ratio | 15.8478% | 4,068 |
| Memoranda: | ||
| Average total assets | $62,772,000 | 5,841 |
| Average earning assets | $57,589,000 | 5,810 |
| Average equity | $5,542,500 | 6,089 |
| Average total loans | $33,977,000 | 5,706 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4189% | 3,738 |
| Cost of funding earning assets | 0.6527% | 3,895 |
| Net interest margin | 3.7662% | 3,368 |
| Noninterest income to average assets | 0.4921% | 3,952 |
| Noninterest expense to average assets | 3.4030% | 2,038 |
| Loan and lease loss provision to assets | 0.4334% | 1,470 |
| Net operating income to assets | 0.0483% | 6,089 |
| Return on assets (ROA) | 0.0483% | 6,231 |
| Pretax return on assets | 0.0328% | 6,244 |
| Return on Equity (ROE) | 0.5124% | 6,219 |
| Retained earnings to average equity (ytd only) | 0.5124% | 5,591 |
| Net charge-offs to loans | 0.0569% | 5,127 |
| Credit loss provision to net charge-offs | 1,321.0526% | 194 |
| Earnings coverage of net charge-offs (x) | 14.2105% | 1,752 |
| Efficiency ratio | 87.9518% | 1,247 |
| Assets per employee ($millions) | 3.1541% | 5,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6547% | 968 |
| Loan loss allowance to noncurrent loans | 22.1926% | 6,336 |
| Noncurrent assets plus other real estate owned to assets | 9.7557% | 226 |
| Noncurrent loans to loans | 11.9622% | 154 |
| Net loans and leases to total assets | 53.1888% | 4,733 |
| Net loans and leases to deposits | 58.5427% | 5,178 |
| Net loans and leases to core deposits | 59.0663% | 5,448 |
| Total domestic deposits to total assets | 90.8546% | 543 |
| Equity capital to assets | 8.7602% | 5,782 |
| Core capital (leverage) ratio | 8.6361% | 5,416 |
| Tier 1 risk-based capital ratio | 14.0388% | 4,359 |
| Total risk-based capital ratio | 15.3034% | 4,306 |
| Memoranda: | ||
| Average total assets | $57,918,800 | 5,976 |
| Average earning assets | $51,936,000 | 5,984 |
| Average equity | $5,464,400 | 6,159 |
| Average total loans | $33,376,200 | 5,780 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5399% | 3,466 |
| Cost of funding earning assets | 0.6923% | 3,837 |
| Net interest margin | 3.8475% | 3,133 |
| Noninterest income to average assets | 0.3579% | 4,964 |
| Noninterest expense to average assets | 3.4305% | 1,929 |
| Loan and lease loss provision to assets | 0.6969% | 730 |
| Net operating income to assets | -0.1978% | 6,498 |
| Return on assets (ROA) | -0.1978% | 6,569 |
| Pretax return on assets | -0.3414% | 6,624 |
| Return on Equity (ROE) | -2.0554% | 6,575 |
| Retained earnings to average equity (ytd only) | -2.0554% | 6,404 |
| Net charge-offs to loans | 0.5760% | 1,898 |
| Credit loss provision to net charge-offs | 206.9930% | 1,337 |
| Earnings coverage of net charge-offs (x) | 1.0560% | 4,785 |
| Efficiency ratio | 90.6095% | 994 |
| Assets per employee ($millions) | 2.9536% | 6,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4462% | 1,275 |
| Loan loss allowance to noncurrent loans | 19.2096% | 6,507 |
| Noncurrent assets plus other real estate owned to assets | 12.1708% | 160 |
| Noncurrent loans to loans | 12.7345% | 148 |
| Net loans and leases to total assets | 59.4087% | 3,891 |
| Net loans and leases to deposits | 66.0911% | 4,461 |
| Net loans and leases to core deposits | 66.7635% | 4,871 |
| Total domestic deposits to total assets | 89.8892% | 899 |
| Equity capital to assets | 9.6618% | 4,974 |
| Core capital (leverage) ratio | 8.7071% | 5,464 |
| Tier 1 risk-based capital ratio | 13.2339% | 5,074 |
| Total risk-based capital ratio | 14.4972% | 5,026 |
| Memoranda: | ||
| Average total assets | $56,628,250 | 6,076 |
| Average earning assets | $50,455,250 | 6,100 |
| Average equity | $5,449,000 | 6,230 |
| Average total loans | $33,103,500 | 5,869 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4838% | 3,834 |
| Cost of funding earning assets | 0.7090% | 3,944 |
| Net interest margin | 3.7748% | 3,479 |
| Noninterest income to average assets | 0.4366% | 4,384 |
| Noninterest expense to average assets | 3.4050% | 2,023 |
| Loan and lease loss provision to assets | 0.9719% | 460 |
| Net operating income to assets | -0.3521% | 6,651 |
| Return on assets (ROA) | -0.3521% | 6,701 |
| Pretax return on assets | -0.5845% | 6,765 |
| Return on Equity (ROE) | -3.6643% | 6,711 |
| Retained earnings to average equity (ytd only) | -3.6643% | 6,527 |
| Net charge-offs to loans | 0.6535% | 1,691 |
| Credit loss provision to net charge-offs | 257.9439% | 1,112 |
| Earnings coverage of net charge-offs (x) | 1.0280% | 4,508 |
| Efficiency ratio | 89.7864% | 1,086 |
| Assets per employee ($millions) | 2.9931% | 6,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5437% | 1,222 |
| Loan loss allowance to noncurrent loans | 17.8954% | 6,575 |
| Noncurrent assets plus other real estate owned to assets | 12.8842% | 152 |
| Noncurrent loans to loans | 14.2141% | 115 |
| Net loans and leases to total assets | 57.4014% | 4,260 |
| Net loans and leases to deposits | 63.7011% | 4,808 |
| Net loans and leases to core deposits | 64.3339% | 5,174 |
| Total domestic deposits to total assets | 90.1104% | 866 |
| Equity capital to assets | 9.4992% | 5,059 |
| Core capital (leverage) ratio | 8.6649% | 5,427 |
| Tier 1 risk-based capital ratio | 13.4733% | 4,851 |
| Total risk-based capital ratio | 14.7371% | 4,792 |
| Memoranda: | ||
| Average total assets | $56,798,330 | 6,115 |
| Average earning assets | $50,493,330 | 6,139 |
| Average equity | $5,458,000 | 6,252 |
| Average total loans | $32,746,330 | 5,918 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5738% | 3,626 |
| Cost of funding earning assets | 0.7477% | 3,877 |
| Net interest margin | 3.8261% | 3,259 |
| Noninterest income to average assets | 0.1621% | 6,415 |
| Noninterest expense to average assets | 3.2697% | 2,387 |
| Loan and lease loss provision to assets | 0.5285% | 1,134 |
| Net operating income to assets | -0.1409% | 6,571 |
| Return on assets (ROA) | -0.1409% | 6,640 |
| Pretax return on assets | -0.2466% | 6,695 |
| Return on Equity (ROE) | -1.4583% | 6,650 |
| Retained earnings to average equity (ytd only) | -1.4583% | 6,213 |
| Net charge-offs to loans | 0.4448% | 1,979 |
| Credit loss provision to net charge-offs | 208.3333% | 1,302 |
| Earnings coverage of net charge-offs (x) | 1.1111% | 3,778 |
| Efficiency ratio | 92.0635% | 944 |
| Assets per employee ($millions) | 3.0683% | 6,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2366% | 1,803 |
| Loan loss allowance to noncurrent loans | 14.7678% | 6,693 |
| Noncurrent assets plus other real estate owned to assets | 12.8306% | 171 |
| Noncurrent loans to loans | 15.1451% | 119 |
| Net loans and leases to total assets | 54.1339% | 4,700 |
| Net loans and leases to deposits | 60.0175% | 5,143 |
| Net loans and leases to core deposits | 61.0650% | 5,428 |
| Total domestic deposits to total assets | 90.1969% | 978 |
| Equity capital to assets | 9.3965% | 4,964 |
| Core capital (leverage) ratio | 9.0353% | 4,782 |
| Tier 1 risk-based capital ratio | 14.4485% | 4,147 |
| Total risk-based capital ratio | 15.7094% | 4,103 |
| Memoranda: | ||
| Average total assets | $56,763,500 | 6,161 |
| Average earning assets | $50,286,000 | 6,183 |
| Average equity | $5,486,000 | 6,284 |
| Average total loans | $32,372,000 | 5,981 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9658% | 3,046 |
| Cost of funding earning assets | 1.0406% | 3,092 |
| Net interest margin | 3.9252% | 3,223 |
| Noninterest income to average assets | -0.3969% | 7,235 |
| Noninterest expense to average assets | 3.8302% | 1,287 |
| Loan and lease loss provision to assets | 0.0763% | 5,658 |
| Net operating income to assets | -0.4471% | 6,450 |
| Return on assets (ROA) | -0.3884% | 6,456 |
| Pretax return on assets | -0.7565% | 6,626 |
| Return on Equity (ROE) | -4.0130% | 6,470 |
| Retained earnings to average equity (ytd only) | -4.0130% | 6,371 |
| Net charge-offs to loans | 1.4555% | 1,116 |
| Credit loss provision to net charge-offs | 8.5878% | 6,021 |
| Earnings coverage of net charge-offs (x) | -0.8683% | 6,165 |
| Efficiency ratio | 125.2357% | 263 |
| Assets per employee ($millions) | 2.7615% | 6,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1039% | 1,997 |
| Loan loss allowance to noncurrent loans | 17.7865% | 6,677 |
| Noncurrent assets plus other real estate owned to assets | 11.7909% | 221 |
| Noncurrent loans to loans | 11.8289% | 228 |
| Net loans and leases to total assets | 57.5422% | 4,452 |
| Net loans and leases to deposits | 64.2371% | 4,977 |
| Net loans and leases to core deposits | 65.4340% | 5,330 |
| Total domestic deposits to total assets | 89.5779% | 1,219 |
| Equity capital to assets | 9.9477% | 4,232 |
| Core capital (leverage) ratio | 9.0367% | 4,717 |
| Tier 1 risk-based capital ratio | 14.3549% | 4,076 |
| Total risk-based capital ratio | 15.6139% | 4,038 |
| Memoranda: | ||
| Average total assets | $58,952,400 | 6,079 |
| Average earning assets | $51,895,400 | 6,125 |
| Average equity | $5,706,400 | 6,232 |
| Average total loans | $36,001,600 | 5,868 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0893% | 2,655 |
| Cost of funding earning assets | 1.0961% | 3,008 |
| Net interest margin | 3.9931% | 2,943 |
| Noninterest income to average assets | -0.3518% | 7,315 |
| Noninterest expense to average assets | 3.5156% | 1,901 |
| Loan and lease loss provision to assets | 0.0223% | 6,166 |
| Net operating income to assets | -0.1937% | 6,382 |
| Return on assets (ROA) | -0.1937% | 6,463 |
| Pretax return on assets | -0.3696% | 6,542 |
| Return on Equity (ROE) | -2.0141% | 6,478 |
| Retained earnings to average equity (ytd only) | -2.0141% | 6,300 |
| Net charge-offs to loans | 1.7278% | 798 |
| Credit loss provision to net charge-offs | 2.0921% | 5,726 |
| Earnings coverage of net charge-offs (x) | -0.3264% | 5,776 |
| Efficiency ratio | 110.9628% | 414 |
| Assets per employee ($millions) | 2.8061% | 6,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0152% | 2,291 |
| Loan loss allowance to noncurrent loans | 22.4668% | 6,604 |
| Noncurrent assets plus other real estate owned to assets | 10.1393% | 349 |
| Noncurrent loans to loans | 8.9697% | 436 |
| Net loans and leases to total assets | 57.2621% | 4,631 |
| Net loans and leases to deposits | 65.0750% | 5,038 |
| Net loans and leases to core deposits | 66.2309% | 5,388 |
| Total domestic deposits to total assets | 87.9940% | 2,033 |
| Equity capital to assets | 9.6506% | 4,855 |
| Core capital (leverage) ratio | 9.5543% | 4,068 |
| Tier 1 risk-based capital ratio | 14.6482% | 3,868 |
| Total risk-based capital ratio | 15.9052% | 3,840 |
| Memoranda: | ||
| Average total assets | $59,883,250 | 6,089 |
| Average earning assets | $52,789,500 | 6,138 |
| Average equity | $5,759,500 | 6,259 |
| Average total loans | $36,886,250 | 5,879 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2474% | 2,072 |
| Cost of funding earning assets | 1.1531% | 2,881 |
| Net interest margin | 4.0943% | 2,431 |
| Noninterest income to average assets | 0.3223% | 5,315 |
| Noninterest expense to average assets | 3.5547% | 1,850 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2691% | 5,484 |
| Return on assets (ROA) | 0.2691% | 5,609 |
| Pretax return on assets | 0.3654% | 5,498 |
| Return on Equity (ROE) | 2.8010% | 5,478 |
| Retained earnings to average equity (ytd only) | 2.8010% | 4,499 |
| Net charge-offs to loans | 0.6047% | 2,314 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.9649% | 4,572 |
| Efficiency ratio | 90.6780% | 1,198 |
| Assets per employee ($millions) | 2.9510% | 6,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9320% | 951 |
| Loan loss allowance to noncurrent loans | 35.0502% | 5,972 |
| Noncurrent assets plus other real estate owned to assets | 11.4150% | 288 |
| Noncurrent loans to loans | 8.3650% | 518 |
| Net loans and leases to total assets | 58.7878% | 4,502 |
| Net loans and leases to deposits | 67.0934% | 4,838 |
| Net loans and leases to core deposits | 68.2831% | 5,262 |
| Total domestic deposits to total assets | 87.6209% | 2,392 |
| Equity capital to assets | 9.8748% | 4,304 |
| Core capital (leverage) ratio | 9.5775% | 3,849 |
| Tier 1 risk-based capital ratio | 14.4784% | 3,799 |
| Total risk-based capital ratio | 15.7448% | 3,763 |
| Memoranda: | ||
| Average total assets | $60,201,330 | 6,132 |
| Average earning assets | $52,902,670 | 6,186 |
| Average equity | $5,783,670 | 6,295 |
| Average total loans | $37,702,330 | 5,902 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0733% | 2,759 |
| Cost of funding earning assets | 1.2086% | 2,764 |
| Net interest margin | 3.8647% | 3,321 |
| Noninterest income to average assets | 0.5461% | 3,539 |
| Noninterest expense to average assets | 3.2636% | 2,666 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4737% | 4,602 |
| Return on assets (ROA) | 0.4737% | 4,684 |
| Pretax return on assets | 0.6909% | 4,340 |
| Return on Equity (ROE) | 4.9987% | 4,407 |
| Retained earnings to average equity (ytd only) | 4.9987% | 3,200 |
| Net charge-offs to loans | -0.0103% | 6,373 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5291% | 2,149 |
| Assets per employee ($millions) | 3.0118% | 6,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1010% | 834 |
| Loan loss allowance to noncurrent loans | 54.3458% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 8.8686% | 499 |
| Noncurrent loans to loans | 5.7061% | 1,135 |
| Net loans and leases to total assets | 60.3320% | 4,199 |
| Net loans and leases to deposits | 68.7899% | 4,555 |
| Net loans and leases to core deposits | 69.9834% | 5,043 |
| Total domestic deposits to total assets | 87.7048% | 2,552 |
| Equity capital to assets | 9.6306% | 4,277 |
| Core capital (leverage) ratio | 9.5888% | 3,671 |
| Tier 1 risk-based capital ratio | 14.0255% | 4,057 |
| Total risk-based capital ratio | 15.2955% | 4,026 |
| Memoranda: | ||
| Average total assets | $60,792,500 | 6,161 |
| Average earning assets | $53,614,000 | 6,211 |
| Average equity | $5,761,500 | 6,319 |
| Average total loans | $38,681,500 | 5,908 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5890% | 1,938 |
| Cost of funding earning assets | 1.5595% | 2,302 |
| Net interest margin | 4.0295% | 2,889 |
| Noninterest income to average assets | 0.8769% | 1,939 |
| Noninterest expense to average assets | 3.6758% | 1,760 |
| Loan and lease loss provision to assets | 0.0615% | 6,532 |
| Net operating income to assets | 0.5404% | 3,924 |
| Return on assets (ROA) | 0.5404% | 4,074 |
| Pretax return on assets | 0.7264% | 3,883 |
| Return on Equity (ROE) | 5.9594% | 3,626 |
| Retained earnings to average equity (ytd only) | 5.9594% | 1,838 |
| Net charge-offs to loans | 0.5302% | 3,503 |
| Credit loss provision to net charge-offs | 17.0404% | 6,579 |
| Earnings coverage of net charge-offs (x) | 2.1839% | 4,084 |
| Efficiency ratio | 82.3487% | 2,116 |
| Assets per employee ($millions) | 2.9214% | 6,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9153% | 937 |
| Loan loss allowance to noncurrent loans | 45.5508% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 8.5526% | 548 |
| Noncurrent loans to loans | 6.4001% | 950 |
| Net loans and leases to total assets | 63.0758% | 4,053 |
| Net loans and leases to deposits | 71.7089% | 4,566 |
| Net loans and leases to core deposits | 72.9265% | 5,107 |
| Total domestic deposits to total assets | 87.9609% | 2,269 |
| Equity capital to assets | 9.3268% | 4,652 |
| Core capital (leverage) ratio | 9.3389% | 3,945 |
| Tier 1 risk-based capital ratio | 13.4936% | 4,210 |
| Total risk-based capital ratio | 14.7615% | 4,165 |
| Memoranda: | ||
| Average total assets | $61,809,000 | 6,132 |
| Average earning assets | $55,018,800 | 6,174 |
| Average equity | $5,604,600 | 6,485 |
| Average total loans | $42,057,000 | 5,832 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6799% | 1,780 |
| Cost of funding earning assets | 1.6201% | 2,277 |
| Net interest margin | 4.0598% | 2,812 |
| Noninterest income to average assets | 0.9043% | 1,783 |
| Noninterest expense to average assets | 3.5398% | 1,936 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6545% | 3,627 |
| Return on assets (ROA) | 0.6545% | 3,795 |
| Pretax return on assets | 0.9797% | 3,257 |
| Return on Equity (ROE) | 7.2700% | 3,220 |
| Retained earnings to average equity (ytd only) | 7.2700% | 1,714 |
| Net charge-offs to loans | 0.2284% | 4,563 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 6.2329% | 2,564 |
| Efficiency ratio | 78.3230% | 2,582 |
| Assets per employee ($millions) | 3.0542% | 6,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1203% | 750 |
| Loan loss allowance to noncurrent loans | 41.2298% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 8.8485% | 521 |
| Noncurrent loans to loans | 7.5682% | 713 |
| Net loans and leases to total assets | 64.7551% | 3,960 |
| Net loans and leases to deposits | 73.7622% | 4,555 |
| Net loans and leases to core deposits | 75.0228% | 5,174 |
| Total domestic deposits to total assets | 87.7889% | 2,102 |
| Equity capital to assets | 9.3609% | 5,036 |
| Core capital (leverage) ratio | 9.1673% | 4,431 |
| Tier 1 risk-based capital ratio | 13.2778% | 4,364 |
| Total risk-based capital ratio | 14.5485% | 4,322 |
| Memoranda: | ||
| Average total assets | $61,923,750 | 6,194 |
| Average earning assets | $55,140,750 | 6,232 |
| Average equity | $5,575,250 | 6,575 |
| Average total loans | $42,606,500 | 5,893 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7460% | 1,566 |
| Cost of funding earning assets | 1.6660% | 2,311 |
| Net interest margin | 4.0800% | 2,651 |
| Noninterest income to average assets | 0.9581% | 1,486 |
| Noninterest expense to average assets | 3.2249% | 2,814 |
| Loan and lease loss provision to assets | 0.1704% | 5,170 |
| Net operating income to assets | 0.7877% | 3,029 |
| Return on assets (ROA) | 0.7877% | 3,175 |
| Pretax return on assets | 1.1929% | 2,440 |
| Return on Equity (ROE) | 8.8645% | 2,524 |
| Retained earnings to average equity (ytd only) | 8.8645% | 1,148 |
| Net charge-offs to loans | 0.0833% | 5,307 |
| Credit loss provision to net charge-offs | 294.4444% | 1,261 |
| Earnings coverage of net charge-offs (x) | 23.5556% | 1,100 |
| Efficiency ratio | 70.2873% | 4,133 |
| Assets per employee ($millions) | 2.9490% | 6,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3121% | 638 |
| Loan loss allowance to noncurrent loans | 53.1334% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 8.2774% | 578 |
| Noncurrent loans to loans | 6.2335% | 997 |
| Net loans and leases to total assets | 65.1466% | 4,010 |
| Net loans and leases to deposits | 74.1114% | 4,661 |
| Net loans and leases to core deposits | 75.3446% | 5,272 |
| Total domestic deposits to total assets | 87.9037% | 2,052 |
| Equity capital to assets | 9.1316% | 5,247 |
| Core capital (leverage) ratio | 8.8908% | 4,764 |
| Tier 1 risk-based capital ratio | 13.0369% | 4,411 |
| Total risk-based capital ratio | 14.3116% | 4,341 |
| Memoranda: | ||
| Average total assets | $62,203,670 | 6,227 |
| Average earning assets | $55,342,670 | 6,266 |
| Average equity | $5,527,670 | 6,609 |
| Average total loans | $43,199,000 | 5,896 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8159% | 1,412 |
| Cost of funding earning assets | 1.7318% | 2,220 |
| Net interest margin | 4.0841% | 2,513 |
| Noninterest income to average assets | 0.9304% | 1,514 |
| Noninterest expense to average assets | 3.1376% | 3,115 |
| Loan and lease loss provision to assets | 0.2823% | 3,770 |
| Net operating income to assets | 0.7443% | 3,240 |
| Return on assets (ROA) | 0.7443% | 3,347 |
| Pretax return on assets | 1.1421% | 2,577 |
| Return on Equity (ROE) | 8.4919% | 2,668 |
| Retained earnings to average equity (ytd only) | 8.4919% | 1,538 |
| Net charge-offs to loans | -0.0182% | 7,052 |
| Credit loss provision to net charge-offs | -2,200.0000% | 6,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7764% | 4,558 |
| Assets per employee ($millions) | 2.8581% | 6,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2240% | 683 |
| Loan loss allowance to noncurrent loans | 62.6067% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 7.5543% | 672 |
| Noncurrent loans to loans | 5.1496% | 1,395 |
| Net loans and leases to total assets | 66.5002% | 3,750 |
| Net loans and leases to deposits | 75.4602% | 4,506 |
| Net loans and leases to core deposits | 76.6934% | 5,169 |
| Total domestic deposits to total assets | 88.1262% | 1,990 |
| Equity capital to assets | 8.7694% | 5,612 |
| Core capital (leverage) ratio | 8.8996% | 4,729 |
| Tier 1 risk-based capital ratio | 12.2218% | 4,973 |
| Total risk-based capital ratio | 13.4939% | 4,927 |
| Memoranda: | ||
| Average total assets | $62,341,500 | 6,294 |
| Average earning assets | $55,434,500 | 6,345 |
| Average equity | $5,464,000 | 6,687 |
| Average total loans | $43,935,500 | 5,939 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1638% | 1,337 |
| Cost of funding earning assets | 2.1996% | 2,033 |
| Net interest margin | 3.9642% | 3,010 |
| Noninterest income to average assets | 0.8989% | 1,944 |
| Noninterest expense to average assets | 5.1114% | 482 |
| Loan and lease loss provision to assets | 3.9803% | 343 |
| Net operating income to assets | -3.0799% | 7,412 |
| Return on assets (ROA) | -3.5909% | 7,536 |
| Pretax return on assets | -5.4463% | 7,757 |
| Return on Equity (ROE) | -33.0694% | 7,459 |
| Retained earnings to average equity (ytd only) | -33.0694% | 7,444 |
| Net charge-offs to loans | 4.7354% | 295 |
| Credit loss provision to net charge-offs | 114.7799% | 4,766 |
| Earnings coverage of net charge-offs (x) | -0.1995% | 6,437 |
| Efficiency ratio | 105.3930% | 922 |
| Assets per employee ($millions) | 2.9431% | 6,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0159% | 765 |
| Loan loss allowance to noncurrent loans | 61.9880% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 7.9718% | 569 |
| Noncurrent loans to loans | 4.8652% | 1,404 |
| Net loans and leases to total assets | 70.0866% | 3,240 |
| Net loans and leases to deposits | 79.6298% | 4,059 |
| Net loans and leases to core deposits | 105.6564% | 3,377 |
| Total domestic deposits to total assets | 88.0155% | 1,970 |
| Equity capital to assets | 8.7598% | 5,504 |
| Core capital (leverage) ratio | 8.7678% | 4,811 |
| Tier 1 risk-based capital ratio | 11.2855% | 5,625 |
| Total risk-based capital ratio | 12.5549% | 5,557 |
| Memoranda: | ||
| Average total assets | $64,190,400 | 6,190 |
| Average earning assets | $57,010,000 | 6,249 |
| Average equity | $6,970,200 | 6,283 |
| Average total loans | $47,007,800 | 5,806 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5035% | 739 |
| Cost of funding earning assets | 2.3007% | 1,985 |
| Net interest margin | 4.2028% | 2,053 |
| Noninterest income to average assets | 0.8891% | 2,031 |
| Noninterest expense to average assets | 4.8219% | 557 |
| Loan and lease loss provision to assets | 1.3583% | 1,419 |
| Net operating income to assets | -0.7654% | 6,659 |
| Return on assets (ROA) | -1.4200% | 7,064 |
| Pretax return on assets | -2.5807% | 7,376 |
| Return on Equity (ROE) | -12.5010% | 7,047 |
| Retained earnings to average equity (ytd only) | -12.5010% | 6,976 |
| Net charge-offs to loans | 2.3588% | 786 |
| Credit loss provision to net charge-offs | 78.3848% | 5,801 |
| Earnings coverage of net charge-offs (x) | -0.1152% | 6,201 |
| Efficiency ratio | 98.1745% | 1,156 |
| Assets per employee ($millions) | 2.5804% | 7,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7958% | 2,289 |
| Loan loss allowance to noncurrent loans | 121.3353% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 6.0924% | 871 |
| Noncurrent loans to loans | 1.4800% | 4,451 |
| Net loans and leases to total assets | 73.8204% | 2,581 |
| Net loans and leases to deposits | 86.6607% | 3,193 |
| Net loans and leases to core deposits | 114.7313% | 2,759 |
| Total domestic deposits to total assets | 85.1833% | 3,135 |
| Equity capital to assets | 11.3774% | 2,692 |
| Core capital (leverage) ratio | 10.9436% | 2,448 |
| Tier 1 risk-based capital ratio | 13.9491% | 3,577 |
| Total risk-based capital ratio | 15.2048% | 3,523 |
| Memoranda: | ||
| Average total assets | $64,786,750 | 6,215 |
| Average earning assets | $57,547,250 | 6,279 |
| Average equity | $7,359,250 | 6,200 |
| Average total loans | $47,593,750 | 5,824 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4247% | 956 |
| Cost of funding earning assets | 2.3690% | 2,083 |
| Net interest margin | 4.0557% | 2,486 |
| Noninterest income to average assets | 0.8762% | 2,073 |
| Noninterest expense to average assets | 5.3758% | 405 |
| Loan and lease loss provision to assets | 1.2108% | 1,422 |
| Net operating income to assets | -1.2988% | 7,165 |
| Return on assets (ROA) | -2.2665% | 7,498 |
| Pretax return on assets | -3.6234% | 7,695 |
| Return on Equity (ROE) | -19.9634% | 7,498 |
| Retained earnings to average equity (ytd only) | -19.9634% | 7,450 |
| Net charge-offs to loans | 2.1318% | 865 |
| Credit loss provision to net charge-offs | 77.8865% | 5,254 |
| Earnings coverage of net charge-offs (x) | -0.5793% | 6,117 |
| Efficiency ratio | 113.8681% | 764 |
| Assets per employee ($millions) | 2.6939% | 6,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8460% | 1,926 |
| Loan loss allowance to noncurrent loans | 50.9859% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 6.3909% | 727 |
| Noncurrent loans to loans | 3.6206% | 1,921 |
| Net loans and leases to total assets | 74.4269% | 2,587 |
| Net loans and leases to deposits | 86.8984% | 3,373 |
| Net loans and leases to core deposits | 115.2685% | 2,783 |
| Total domestic deposits to total assets | 85.6482% | 2,940 |
| Equity capital to assets | 10.7727% | 3,142 |
| Core capital (leverage) ratio | 10.3037% | 2,990 |
| Tier 1 risk-based capital ratio | 13.2898% | 3,946 |
| Total risk-based capital ratio | 14.5455% | 3,861 |
| Memoranda: | ||
| Average total assets | $65,739,000 | 6,239 |
| Average earning assets | $58,337,000 | 6,297 |
| Average equity | $7,463,670 | 6,196 |
| Average total loans | $47,940,670 | 5,852 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3249% | 1,230 |
| Cost of funding earning assets | 2.4248% | 2,193 |
| Net interest margin | 3.9001% | 3,040 |
| Noninterest income to average assets | 0.9475% | 1,657 |
| Noninterest expense to average assets | 3.2890% | 2,692 |
| Loan and lease loss provision to assets | 0.8449% | 1,538 |
| Net operating income to assets | 0.1710% | 5,749 |
| Return on assets (ROA) | 0.1750% | 5,906 |
| Pretax return on assets | 0.2655% | 5,768 |
| Return on Equity (ROE) | 1.5040% | 5,962 |
| Retained earnings to average equity (ytd only) | 1.5040% | 5,009 |
| Net charge-offs to loans | 4.2027% | 286 |
| Credit loss provision to net charge-offs | 28.1124% | 4,978 |
| Earnings coverage of net charge-offs (x) | 0.3675% | 4,683 |
| Efficiency ratio | 68.5440% | 4,860 |
| Assets per employee ($millions) | 2.6276% | 7,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4486% | 3,241 |
| Loan loss allowance to noncurrent loans | 37.6927% | 6,033 |
| Noncurrent assets plus other real estate owned to assets | 5.9218% | 684 |
| Noncurrent loans to loans | 3.8433% | 1,598 |
| Net loans and leases to total assets | 68.3513% | 4,056 |
| Net loans and leases to deposits | 80.6799% | 4,504 |
| Net loans and leases to core deposits | 106.9888% | 3,796 |
| Total domestic deposits to total assets | 84.7191% | 3,348 |
| Equity capital to assets | 11.7354% | 2,418 |
| Core capital (leverage) ratio | 11.3821% | 2,221 |
| Tier 1 risk-based capital ratio | 15.4140% | 2,889 |
| Total risk-based capital ratio | 16.6663% | 2,819 |
| Memoranda: | ||
| Average total assets | $66,281,500 | 6,243 |
| Average earning assets | $58,562,500 | 6,322 |
| Average equity | $7,713,000 | 6,152 |
| Average total loans | $47,398,500 | 5,894 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0489% | 1,011 |
| Cost of funding earning assets | 3.0155% | 1,817 |
| Net interest margin | 4.0333% | 2,966 |
| Noninterest income to average assets | 0.8997% | 1,955 |
| Noninterest expense to average assets | 3.4104% | 2,642 |
| Loan and lease loss provision to assets | 0.7274% | 2,034 |
| Net operating income to assets | 0.3742% | 5,256 |
| Return on assets (ROA) | 0.3797% | 5,044 |
| Pretax return on assets | 0.5024% | 4,969 |
| Return on Equity (ROE) | 3.2040% | 5,155 |
| Retained earnings to average equity (ytd only) | -5.2250% | 6,545 |
| Net charge-offs to loans | 0.4920% | 2,392 |
| Credit loss provision to net charge-offs | 197.6190% | 2,473 |
| Earnings coverage of net charge-offs (x) | 3.3214% | 4,423 |
| Efficiency ratio | 67.8121% | 4,754 |
| Assets per employee ($millions) | 2.9075% | 6,279 |
| Cash dividends to net income (ytd only)* | 263.0769% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0676% | 1,121 |
| Loan loss allowance to noncurrent loans | 50.3213% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 5.8439% | 524 |
| Noncurrent loans to loans | 4.1087% | 1,186 |
| Net loans and leases to total assets | 72.1053% | 3,562 |
| Net loans and leases to deposits | 85.1174% | 4,238 |
| Net loans and leases to core deposits | 113.9417% | 3,348 |
| Total domestic deposits to total assets | 84.7128% | 2,972 |
| Equity capital to assets | 11.5398% | 2,611 |
| Core capital (leverage) ratio | 11.0202% | 2,581 |
| Tier 1 risk-based capital ratio | 14.3190% | 3,383 |
| Total risk-based capital ratio | 15.5775% | 3,304 |
| Memoranda: | ||
| Average total assets | $68,467,400 | 6,079 |
| Average earning assets | $63,371,800 | 6,042 |
| Average equity | $8,114,800 | 6,039 |
| Average total loans | $51,223,200 | 5,658 |