Home > Plaza Bank > Performance and Condition Ratios
Plaza Bank, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4269% | 1,866 |
| Cost of funding earning assets | 0.6625% | 1,169 |
| Net interest margin | 3.7644% | 2,525 |
| Noninterest income to average assets | 0.1725% | 5,153 |
| Noninterest expense to average assets | 3.6330% | 831 |
| Loan and lease loss provision to assets | -0.9458% | 5,728 |
| Net operating income to assets | 1.0997% | 2,096 |
| Return on assets (ROA) | 1.0997% | 2,146 |
| Pretax return on assets | 1.0997% | 3,302 |
| Return on Equity (ROE) | 8.8820% | 2,678 |
| Retained earnings to average equity (ytd only) | 8.8820% | 888 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9354% | 253 |
| Assets per employee ($millions) | 6.1961% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7752% | 192 |
| Loan loss allowance to noncurrent loans | 237.4497% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 1.0020% | 1,695 |
| Noncurrent loans to loans | 1.1687% | 1,646 |
| Net loans and leases to total assets | 83.3524% | 505 |
| Net loans and leases to deposits | 113.2046% | 199 |
| Net loans and leases to core deposits | 130.5836% | 332 |
| Total domestic deposits to total assets | 73.6298% | 5,264 |
| Equity capital to assets | 12.2873% | 1,782 |
| Core capital (leverage) ratio | 12.4790% | 1,419 |
| Tier 1 risk-based capital ratio | 14.1460% | 3,381 |
| Total risk-based capital ratio | 15.4158% | 3,270 |
| Memoranda: | ||
| Average total assets | $71,895,500 | 4,794 |
| Average earning assets | $69,031,000 | 4,734 |
| Average equity | $8,901,750 | 4,679 |
| Average total loans | $62,535,750 | 4,170 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4552% | 1,646 |
| Cost of funding earning assets | 0.6381% | 1,211 |
| Net interest margin | 3.8171% | 2,226 |
| Noninterest income to average assets | 0.2139% | 4,972 |
| Noninterest expense to average assets | 3.7031% | 767 |
| Loan and lease loss provision to assets | -1.4351% | 5,783 |
| Net operating income to assets | 1.6152% | 672 |
| Return on assets (ROA) | 1.6152% | 699 |
| Pretax return on assets | 1.6152% | 1,299 |
| Return on Equity (ROE) | 13.0105% | 1,030 |
| Retained earnings to average equity (ytd only) | 13.0105% | 251 |
| Net charge-offs to loans | 0.0032% | 3,380 |
| Credit loss provision to net charge-offs | -51,000.0000% | 5,147 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 907 |
| Efficiency ratio | 95.3623% | 274 |
| Assets per employee ($millions) | 5.8878% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8977% | 176 |
| Loan loss allowance to noncurrent loans | 228.8486% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 1.0941% | 1,597 |
| Noncurrent loans to loans | 1.2662% | 1,525 |
| Net loans and leases to total assets | 83.9018% | 456 |
| Net loans and leases to deposits | 115.9897% | 156 |
| Net loans and leases to core deposits | 133.0759% | 264 |
| Total domestic deposits to total assets | 72.3356% | 5,432 |
| Equity capital to assets | 12.8910% | 1,423 |
| Core capital (leverage) ratio | 12.9851% | 1,181 |
| Tier 1 risk-based capital ratio | 15.4311% | 2,734 |
| Total risk-based capital ratio | 16.7028% | 2,662 |
| Memoranda: | ||
| Average total assets | $71,076,330 | 4,844 |
| Average earning assets | $68,324,330 | 4,780 |
| Average equity | $8,823,670 | 4,716 |
| Average total loans | $62,133,000 | 4,201 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0397% | 2,903 |
| Cost of funding earning assets | 0.5996% | 1,375 |
| Net interest margin | 3.4402% | 3,482 |
| Noninterest income to average assets | 0.3591% | 3,965 |
| Noninterest expense to average assets | 3.6360% | 848 |
| Loan and lease loss provision to assets | -1.7394% | 5,855 |
| Net operating income to assets | 1.7787% | 466 |
| Return on assets (ROA) | 1.7787% | 478 |
| Pretax return on assets | 1.7787% | 837 |
| Return on Equity (ROE) | 14.6058% | 701 |
| Retained earnings to average equity (ytd only) | 14.6058% | 257 |
| Net charge-offs to loans | 0.0064% | 2,754 |
| Credit loss provision to net charge-offs | -31,000.0000% | 4,800 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,177 |
| Efficiency ratio | 98.9313% | 242 |
| Assets per employee ($millions) | 5.8064% | 1,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1880% | 145 |
| Loan loss allowance to noncurrent loans | 203.8302% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 1.3864% | 1,207 |
| Noncurrent loans to loans | 1.5641% | 1,256 |
| Net loans and leases to total assets | 85.8145% | 237 |
| Net loans and leases to deposits | 119.8040% | 89 |
| Net loans and leases to core deposits | 130.8295% | 257 |
| Total domestic deposits to total assets | 71.6291% | 5,561 |
| Equity capital to assets | 12.6900% | 1,409 |
| Core capital (leverage) ratio | 12.3883% | 1,398 |
| Tier 1 risk-based capital ratio | 14.3068% | 3,314 |
| Total risk-based capital ratio | 15.5812% | 3,213 |
| Memoranda: | ||
| Average total assets | $71,287,500 | 4,892 |
| Average earning assets | $68,717,500 | 4,815 |
| Average equity | $8,681,500 | 4,775 |
| Average total loans | $62,675,000 | 4,218 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5346% | 1,437 |
| Cost of funding earning assets | 0.5992% | 1,335 |
| Net interest margin | 3.9353% | 1,832 |
| Noninterest income to average assets | 0.8500% | 1,577 |
| Noninterest expense to average assets | 4.2986% | 448 |
| Loan and lease loss provision to assets | -0.5395% | 5,881 |
| Net operating income to assets | 0.8686% | 2,986 |
| Return on assets (ROA) | 0.9401% | 2,743 |
| Pretax return on assets | 0.9401% | 3,693 |
| Return on Equity (ROE) | 8.0834% | 2,896 |
| Retained earnings to average equity (ytd only) | 8.0834% | 831 |
| Net charge-offs to loans | 0.1813% | 1,527 |
| Credit loss provision to net charge-offs | -366.0194% | 5,117 |
| Earnings coverage of net charge-offs (x) | 2.2330% | 3,861 |
| Efficiency ratio | 92.8881% | 426 |
| Assets per employee ($millions) | 6.0748% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5856% | 104 |
| Loan loss allowance to noncurrent loans | 1,259.6685% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.2483% | 4,316 |
| Noncurrent loans to loans | 0.2846% | 4,133 |
| Net loans and leases to total assets | 84.1011% | 378 |
| Net loans and leases to deposits | 109.7608% | 231 |
| Net loans and leases to core deposits | 120.6708% | 465 |
| Total domestic deposits to total assets | 76.6221% | 5,164 |
| Equity capital to assets | 11.6889% | 2,016 |
| Core capital (leverage) ratio | 11.9000% | 1,665 |
| Tier 1 risk-based capital ratio | 13.3922% | 3,837 |
| Total risk-based capital ratio | 14.6719% | 3,721 |
| Memoranda: | ||
| Average total assets | $69,884,000 | 4,937 |
| Average earning assets | $67,084,600 | 4,863 |
| Average equity | $8,127,800 | 4,910 |
| Average total loans | $56,815,000 | 4,387 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4892% | 1,579 |
| Cost of funding earning assets | 0.6034% | 1,298 |
| Net interest margin | 3.8858% | 2,022 |
| Noninterest income to average assets | 1.0781% | 973 |
| Noninterest expense to average assets | 4.5150% | 377 |
| Loan and lease loss provision to assets | -0.3047% | 5,910 |
| Net operating income to assets | 0.5940% | 4,317 |
| Return on assets (ROA) | 0.6905% | 4,038 |
| Pretax return on assets | 0.6905% | 4,638 |
| Return on Equity (ROE) | 5.9446% | 4,094 |
| Retained earnings to average equity (ytd only) | 5.9446% | 2,214 |
| Net charge-offs to loans | 0.2709% | 852 |
| Credit loss provision to net charge-offs | -141.0714% | 4,799 |
| Earnings coverage of net charge-offs (x) | 1.3393% | 3,705 |
| Efficiency ratio | 93.9783% | 393 |
| Assets per employee ($millions) | 5.0341% | 2,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3301% | 64 |
| Loan loss allowance to noncurrent loans | 1,375.6906% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.2766% | 4,320 |
| Noncurrent loans to loans | 0.3148% | 4,125 |
| Net loans and leases to total assets | 84.0655% | 407 |
| Net loans and leases to deposits | 108.7511% | 287 |
| Net loans and leases to core deposits | 113.9758% | 723 |
| Total domestic deposits to total assets | 77.3009% | 5,030 |
| Equity capital to assets | 12.6415% | 1,680 |
| Core capital (leverage) ratio | 11.7310% | 1,856 |
| Tier 1 risk-based capital ratio | 13.5494% | 3,832 |
| Total risk-based capital ratio | 14.8355% | 3,722 |
| Memoranda: | ||
| Average total assets | $69,130,500 | 4,996 |
| Average earning assets | $66,290,750 | 4,926 |
| Average equity | $8,029,500 | 4,979 |
| Average total loans | $55,121,750 | 4,464 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3282% | 2,059 |
| Cost of funding earning assets | 0.5874% | 1,420 |
| Net interest margin | 3.7409% | 2,547 |
| Noninterest income to average assets | 1.3928% | 594 |
| Noninterest expense to average assets | 4.7527% | 311 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2246% | 5,481 |
| Return on assets (ROA) | 0.3667% | 5,221 |
| Pretax return on assets | 0.3667% | 5,395 |
| Return on Equity (ROE) | 3.2460% | 5,175 |
| Retained earnings to average equity (ytd only) | 3.2460% | 3,822 |
| Net charge-offs to loans | 0.4123% | 553 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 0.7054% | 3,492 |
| Efficiency ratio | 95.4883% | 363 |
| Assets per employee ($millions) | 6.2375% | 1,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7897% | 50 |
| Loan loss allowance to noncurrent loans | 1,446.9945% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.2445% | 4,518 |
| Noncurrent loans to loans | 0.3310% | 4,180 |
| Net loans and leases to total assets | 70.3233% | 2,430 |
| Net loans and leases to deposits | 87.4049% | 2,079 |
| Net loans and leases to core deposits | 94.0601% | 2,164 |
| Total domestic deposits to total assets | 80.4569% | 4,426 |
| Equity capital to assets | 10.7522% | 3,343 |
| Core capital (leverage) ratio | 11.7671% | 1,800 |
| Tier 1 risk-based capital ratio | 13.8686% | 3,687 |
| Total risk-based capital ratio | 15.1604% | 3,575 |
| Memoranda: | ||
| Average total assets | $70,359,670 | 5,015 |
| Average earning assets | $67,417,670 | 4,948 |
| Average equity | $7,948,330 | 5,033 |
| Average total loans | $54,327,330 | 4,523 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4678% | 1,601 |
| Cost of funding earning assets | 0.6198% | 1,219 |
| Net interest margin | 3.8480% | 2,111 |
| Noninterest income to average assets | 2.1141% | 316 |
| Noninterest expense to average assets | 5.6141% | 202 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1820% | 5,563 |
| Return on assets (ROA) | 0.3641% | 5,178 |
| Pretax return on assets | 0.3641% | 5,372 |
| Return on Equity (ROE) | 3.1398% | 5,189 |
| Retained earnings to average equity (ytd only) | 3.1398% | 3,949 |
| Net charge-offs to loans | 0.8023% | 253 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.2870% | 2,943 |
| Efficiency ratio | 96.8592% | 377 |
| Assets per employee ($millions) | 4.6822% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9443% | 55 |
| Loan loss allowance to noncurrent loans | 816.0000% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.6178% | 3,212 |
| Noncurrent loans to loans | 0.6059% | 3,361 |
| Net loans and leases to total assets | 77.7791% | 1,129 |
| Net loans and leases to deposits | 91.0934% | 1,453 |
| Net loans and leases to core deposits | 98.6285% | 1,591 |
| Total domestic deposits to total assets | 85.3839% | 2,962 |
| Equity capital to assets | 12.1585% | 1,911 |
| Core capital (leverage) ratio | 11.7486% | 1,796 |
| Tier 1 risk-based capital ratio | 13.8336% | 3,789 |
| Total risk-based capital ratio | 15.1253% | 3,705 |
| Memoranda: | ||
| Average total assets | $68,114,500 | 5,116 |
| Average earning assets | $65,177,500 | 5,044 |
| Average equity | $7,898,500 | 5,073 |
| Average total loans | $53,848,500 | 4,555 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0253% | 3,216 |
| Cost of funding earning assets | 0.6964% | 835 |
| Net interest margin | 3.3289% | 4,186 |
| Noninterest income to average assets | 0.3304% | 4,536 |
| Noninterest expense to average assets | 4.7017% | 358 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -1.1992% | 6,112 |
| Return on assets (ROA) | -1.1496% | 6,111 |
| Pretax return on assets | -1.1496% | 6,109 |
| Return on Equity (ROE) | -10.1614% | 6,101 |
| Retained earnings to average equity (ytd only) | -10.1614% | 6,037 |
| Net charge-offs to loans | 0.7501% | 310 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -2.2565% | 4,360 |
| Efficiency ratio | 134.2374% | 58 |
| Assets per employee ($millions) | 5.0484% | 2,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1054% | 48 |
| Loan loss allowance to noncurrent loans | 225.4902% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 1.8874% | 971 |
| Noncurrent loans to loans | 2.2642% | 859 |
| Net loans and leases to total assets | 72.5827% | 1,957 |
| Net loans and leases to deposits | 83.4961% | 2,420 |
| Net loans and leases to core deposits | 91.3917% | 2,283 |
| Total domestic deposits to total assets | 86.9295% | 2,177 |
| Equity capital to assets | 11.0742% | 2,747 |
| Core capital (leverage) ratio | 10.6932% | 2,715 |
| Tier 1 risk-based capital ratio | 13.9053% | 3,767 |
| Total risk-based capital ratio | 15.2006% | 3,669 |
| Memoranda: | ||
| Average total assets | $72,633,000 | 5,027 |
| Average earning assets | $69,211,800 | 4,955 |
| Average equity | $8,217,400 | 5,019 |
| Average total loans | $51,462,800 | 4,621 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9929% | 3,372 |
| Cost of funding earning assets | 0.7192% | 758 |
| Net interest margin | 3.2737% | 4,450 |
| Noninterest income to average assets | 0.3793% | 4,219 |
| Noninterest expense to average assets | 4.9031% | 297 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -1.4113% | 6,211 |
| Return on assets (ROA) | -1.3457% | 6,210 |
| Pretax return on assets | -1.3457% | 6,207 |
| Return on Equity (ROE) | -11.8338% | 6,197 |
| Retained earnings to average equity (ytd only) | -11.8338% | 6,151 |
| Net charge-offs to loans | 1.0338% | 181 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -1.9645% | 4,078 |
| Efficiency ratio | 140.4178% | 53 |
| Assets per employee ($millions) | 5.3219% | 1,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1975% | 54 |
| Loan loss allowance to noncurrent loans | 204.1543% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 1.8093% | 1,180 |
| Noncurrent loans to loans | 2.5458% | 795 |
| Net loans and leases to total assets | 67.3731% | 2,795 |
| Net loans and leases to deposits | 77.1443% | 3,181 |
| Net loans and leases to core deposits | 83.6672% | 3,082 |
| Total domestic deposits to total assets | 87.3339% | 1,878 |
| Equity capital to assets | 10.6689% | 3,390 |
| Core capital (leverage) ratio | 10.9845% | 2,504 |
| Tier 1 risk-based capital ratio | 14.2906% | 3,677 |
| Total risk-based capital ratio | 15.5857% | 3,581 |
| Memoranda: | ||
| Average total assets | $73,121,750 | 5,074 |
| Average earning assets | $69,521,000 | 5,008 |
| Average equity | $8,315,000 | 5,069 |
| Average total loans | $50,813,500 | 4,686 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0056% | 3,266 |
| Cost of funding earning assets | 0.7558% | 627 |
| Net interest margin | 3.2498% | 4,499 |
| Noninterest income to average assets | 0.5037% | 3,344 |
| Noninterest expense to average assets | 5.0124% | 290 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -1.4313% | 6,286 |
| Return on assets (ROA) | -1.3653% | 6,284 |
| Pretax return on assets | -1.3653% | 6,278 |
| Return on Equity (ROE) | -11.7577% | 6,265 |
| Retained earnings to average equity (ytd only) | -11.7577% | 6,202 |
| Net charge-offs to loans | -0.0279% | 5,300 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.9693% | 59 |
| Assets per employee ($millions) | 3.8115% | 4,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3028% | 30 |
| Loan loss allowance to noncurrent loans | 140.6334% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 3.0959% | 520 |
| Noncurrent loans to loans | 4.4818% | 303 |
| Net loans and leases to total assets | 64.7233% | 3,163 |
| Net loans and leases to deposits | 74.5799% | 3,428 |
| Net loans and leases to core deposits | 85.6657% | 2,799 |
| Total domestic deposits to total assets | 86.7839% | 2,273 |
| Equity capital to assets | 11.2595% | 2,608 |
| Core capital (leverage) ratio | 11.1586% | 2,281 |
| Tier 1 risk-based capital ratio | 14.8325% | 3,457 |
| Total risk-based capital ratio | 16.1367% | 3,352 |
| Memoranda: | ||
| Average total assets | $72,660,330 | 5,140 |
| Average earning assets | $68,804,000 | 5,063 |
| Average equity | $8,437,000 | 5,066 |
| Average total loans | $50,101,670 | 4,746 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0746% | 2,935 |
| Cost of funding earning assets | 0.7720% | 582 |
| Net interest margin | 3.3027% | 4,206 |
| Noninterest income to average assets | 0.9013% | 1,381 |
| Noninterest expense to average assets | 4.8035% | 344 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.7749% | 6,294 |
| Return on assets (ROA) | -0.6595% | 6,278 |
| Pretax return on assets | -0.6595% | 6,265 |
| Return on Equity (ROE) | -5.5954% | 6,270 |
| Retained earnings to average equity (ytd only) | -5.5954% | 5,971 |
| Net charge-offs to loans | -0.0080% | 4,631 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.2360% | 135 |
| Assets per employee ($millions) | 4.3901% | 3,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3781% | 29 |
| Loan loss allowance to noncurrent loans | 290.5817% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 1.4511% | 1,822 |
| Noncurrent loans to loans | 2.1949% | 1,153 |
| Net loans and leases to total assets | 61.8965% | 3,380 |
| Net loans and leases to deposits | 71.5443% | 3,587 |
| Net loans and leases to core deposits | 77.7441% | 3,407 |
| Total domestic deposits to total assets | 86.5150% | 2,662 |
| Equity capital to assets | 11.4617% | 2,503 |
| Core capital (leverage) ratio | 11.7205% | 1,837 |
| Tier 1 risk-based capital ratio | 16.5379% | 2,667 |
| Total risk-based capital ratio | 17.8473% | 2,590 |
| Memoranda: | ||
| Average total assets | $72,781,000 | 5,176 |
| Average earning assets | $68,914,000 | 5,116 |
| Average equity | $8,578,500 | 5,081 |
| Average total loans | $50,140,000 | 4,781 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5149% | 1,802 |
| Cost of funding earning assets | 0.8584% | 484 |
| Net interest margin | 3.6566% | 3,193 |
| Noninterest income to average assets | 0.1278% | 6,052 |
| Noninterest expense to average assets | 4.8281% | 357 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -1.2513% | 6,407 |
| Return on assets (ROA) | -1.1815% | 6,401 |
| Pretax return on assets | -1.1815% | 6,391 |
| Return on Equity (ROE) | -12.2000% | 6,387 |
| Retained earnings to average equity (ytd only) | -12.2000% | 6,352 |
| Net charge-offs to loans | 0.2214% | 1,898 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -7.8780% | 4,907 |
| Efficiency ratio | 134.9819% | 82 |
| Assets per employee ($millions) | 3.7333% | 4,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1755% | 34 |
| Loan loss allowance to noncurrent loans | 281.8996% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 1.6565% | 1,624 |
| Noncurrent loans to loans | 2.1907% | 1,218 |
| Net loans and leases to total assets | 67.3843% | 2,670 |
| Net loans and leases to deposits | 78.5670% | 2,901 |
| Net loans and leases to core deposits | 83.3528% | 2,969 |
| Total domestic deposits to total assets | 85.7666% | 2,958 |
| Equity capital to assets | 12.1299% | 1,926 |
| Core capital (leverage) ratio | 11.3781% | 2,069 |
| Tier 1 risk-based capital ratio | 16.9156% | 2,544 |
| Total risk-based capital ratio | 18.2275% | 2,484 |
| Memoranda: | ||
| Average total assets | $77,442,400 | 5,119 |
| Average earning assets | $73,046,400 | 5,068 |
| Average equity | $7,500,000 | 5,305 |
| Average total loans | $55,559,000 | 4,629 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5498% | 1,707 |
| Cost of funding earning assets | 0.8578% | 523 |
| Net interest margin | 3.6920% | 3,059 |
| Noninterest income to average assets | 0.1282% | 6,127 |
| Noninterest expense to average assets | 4.7602% | 370 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -1.1483% | 6,477 |
| Return on assets (ROA) | -1.1483% | 6,474 |
| Pretax return on assets | -1.1483% | 6,466 |
| Return on Equity (ROE) | -12.5689% | 6,474 |
| Retained earnings to average equity (ytd only) | -12.5689% | 6,421 |
| Net charge-offs to loans | 0.7312% | 468 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -2.1897% | 4,571 |
| Efficiency ratio | 131.7927% | 88 |
| Assets per employee ($millions) | 4.7183% | 2,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6315% | 56 |
| Loan loss allowance to noncurrent loans | 256.1039% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 1.5908% | 1,918 |
| Noncurrent loans to loans | 2.1989% | 1,384 |
| Net loans and leases to total assets | 61.7970% | 3,512 |
| Net loans and leases to deposits | 71.0276% | 3,791 |
| Net loans and leases to core deposits | 75.4850% | 3,807 |
| Total domestic deposits to total assets | 87.0043% | 2,318 |
| Equity capital to assets | 11.0646% | 2,889 |
| Core capital (leverage) ratio | 11.0460% | 2,441 |
| Tier 1 risk-based capital ratio | 16.5932% | 2,773 |
| Total risk-based capital ratio | 17.8973% | 2,705 |
| Memoranda: | ||
| Average total assets | $79,070,000 | 5,143 |
| Average earning assets | $74,610,000 | 5,083 |
| Average equity | $7,224,000 | 5,412 |
| Average total loans | $56,713,000 | 4,634 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7132% | 1,257 |
| Cost of funding earning assets | 0.8660% | 513 |
| Net interest margin | 3.8471% | 2,391 |
| Noninterest income to average assets | 0.1271% | 6,176 |
| Noninterest expense to average assets | 5.0502% | 303 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -1.2988% | 6,560 |
| Return on assets (ROA) | -1.2988% | 6,559 |
| Pretax return on assets | -1.2988% | 6,545 |
| Return on Equity (ROE) | -15.3139% | 6,553 |
| Retained earnings to average equity (ytd only) | -15.3139% | 6,500 |
| Net charge-offs to loans | 0.8157% | 465 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -2.1561% | 4,246 |
| Efficiency ratio | 134.6206% | 83 |
| Assets per employee ($millions) | 5.0959% | 2,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5748% | 64 |
| Loan loss allowance to noncurrent loans | 155.9671% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 2.5327% | 1,110 |
| Noncurrent loans to loans | 3.5743% | 733 |
| Net loans and leases to total assets | 62.9864% | 3,239 |
| Net loans and leases to deposits | 72.4385% | 3,516 |
| Net loans and leases to core deposits | 79.7875% | 3,236 |
| Total domestic deposits to total assets | 86.9516% | 2,474 |
| Equity capital to assets | 11.1044% | 2,781 |
| Core capital (leverage) ratio | 11.5575% | 1,957 |
| Tier 1 risk-based capital ratio | 16.9241% | 2,649 |
| Total risk-based capital ratio | 18.2292% | 2,585 |
| Memoranda: | ||
| Average total assets | $78,689,670 | 5,193 |
| Average earning assets | $74,133,000 | 5,133 |
| Average equity | $6,673,670 | 5,565 |
| Average total loans | $58,108,670 | 4,609 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5745% | 1,571 |
| Cost of funding earning assets | 0.8632% | 548 |
| Net interest margin | 3.7113% | 2,819 |
| Noninterest income to average assets | 0.1139% | 6,286 |
| Noninterest expense to average assets | 5.7877% | 208 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -2.1795% | 6,666 |
| Return on assets (ROA) | -2.1795% | 6,663 |
| Pretax return on assets | -2.1795% | 6,653 |
| Return on Equity (ROE) | -30.7103% | 6,664 |
| Retained earnings to average equity (ytd only) | -30.7103% | 6,618 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 160.4017% | 47 |
| Assets per employee ($millions) | 5.2951% | 1,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5777% | 71 |
| Loan loss allowance to noncurrent loans | 152.6857% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 2.8681% | 1,020 |
| Noncurrent loans to loans | 3.6531% | 775 |
| Net loans and leases to total assets | 69.6737% | 1,948 |
| Net loans and leases to deposits | 76.3950% | 2,769 |
| Net loans and leases to core deposits | 84.0048% | 2,511 |
| Total domestic deposits to total assets | 91.2019% | 482 |
| Equity capital to assets | 6.6590% | 6,506 |
| Core capital (leverage) ratio | 6.9485% | 6,482 |
| Tier 1 risk-based capital ratio | 9.3568% | 6,573 |
| Total risk-based capital ratio | 10.6648% | 6,552 |
| Memoranda: | ||
| Average total assets | $77,267,000 | 5,272 |
| Average earning assets | $72,751,000 | 5,210 |
| Average equity | $5,483,500 | 5,870 |
| Average total loans | $59,969,000 | 4,589 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5883% | 1,909 |
| Cost of funding earning assets | 0.8729% | 850 |
| Net interest margin | 3.7154% | 2,997 |
| Noninterest income to average assets | 0.3604% | 4,729 |
| Noninterest expense to average assets | 5.1592% | 311 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -1.3154% | 6,651 |
| Return on assets (ROA) | -1.3154% | 6,654 |
| Pretax return on assets | -1.3154% | 6,648 |
| Return on Equity (ROE) | -17.6830% | 6,669 |
| Retained earnings to average equity (ytd only) | -17.6830% | 6,646 |
| Net charge-offs to loans | -0.2638% | 6,654 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.2218% | 99 |
| Assets per employee ($millions) | 5.0072% | 2,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3302% | 80 |
| Loan loss allowance to noncurrent loans | 156.7866% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 2.7760% | 1,186 |
| Noncurrent loans to loans | 3.3996% | 943 |
| Net loans and leases to total assets | 77.3033% | 914 |
| Net loans and leases to deposits | 85.5196% | 1,747 |
| Net loans and leases to core deposits | 95.1929% | 1,517 |
| Total domestic deposits to total assets | 90.3925% | 879 |
| Equity capital to assets | 7.5598% | 6,256 |
| Core capital (leverage) ratio | 7.3406% | 6,432 |
| Tier 1 risk-based capital ratio | 9.5762% | 6,594 |
| Total risk-based capital ratio | 10.8802% | 6,568 |
| Memoranda: | ||
| Average total assets | $84,916,800 | 5,120 |
| Average earning assets | $79,615,400 | 5,046 |
| Average equity | $6,316,800 | 5,737 |
| Average total loans | $65,202,400 | 4,434 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5430% | 2,066 |
| Cost of funding earning assets | 0.8738% | 935 |
| Net interest margin | 3.6692% | 3,155 |
| Noninterest income to average assets | 0.4364% | 4,256 |
| Noninterest expense to average assets | 5.0604% | 320 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -1.1827% | 6,729 |
| Return on assets (ROA) | -1.1827% | 6,728 |
| Pretax return on assets | -1.1827% | 6,721 |
| Return on Equity (ROE) | -15.9548% | 6,741 |
| Retained earnings to average equity (ytd only) | -15.9548% | 6,718 |
| Net charge-offs to loans | -0.9148% | 6,824 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.4998% | 127 |
| Assets per employee ($millions) | 4.3166% | 3,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6506% | 74 |
| Loan loss allowance to noncurrent loans | 144.4670% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 2.9970% | 1,235 |
| Noncurrent loans to loans | 3.9113% | 908 |
| Net loans and leases to total assets | 72.2941% | 1,557 |
| Net loans and leases to deposits | 79.7343% | 2,444 |
| Net loans and leases to core deposits | 86.5236% | 2,343 |
| Total domestic deposits to total assets | 90.6688% | 675 |
| Equity capital to assets | 7.3962% | 6,426 |
| Core capital (leverage) ratio | 7.2178% | 6,540 |
| Tier 1 risk-based capital ratio | 9.8936% | 6,619 |
| Total risk-based capital ratio | 11.1932% | 6,576 |
| Memoranda: | ||
| Average total assets | $87,369,000 | 5,093 |
| Average earning assets | $81,941,000 | 5,030 |
| Average equity | $6,476,500 | 5,775 |
| Average total loans | $66,170,500 | 4,443 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6234% | 1,773 |
| Cost of funding earning assets | 0.8757% | 1,007 |
| Net interest margin | 3.7477% | 2,770 |
| Noninterest income to average assets | 0.5182% | 3,716 |
| Noninterest expense to average assets | 5.1193% | 326 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -1.0970% | 6,770 |
| Return on assets (ROA) | -1.0970% | 6,772 |
| Pretax return on assets | -1.0970% | 6,755 |
| Return on Equity (ROE) | -14.7883% | 6,794 |
| Retained earnings to average equity (ytd only) | -14.7883% | 6,756 |
| Net charge-offs to loans | -1.2782% | 6,882 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.2727% | 146 |
| Assets per employee ($millions) | 4.0490% | 3,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4081% | 92 |
| Loan loss allowance to noncurrent loans | 127.0076% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 3.4647% | 1,116 |
| Noncurrent loans to loans | 4.2581% | 864 |
| Net loans and leases to total assets | 72.5509% | 1,473 |
| Net loans and leases to deposits | 80.0607% | 2,310 |
| Net loans and leases to core deposits | 88.4381% | 2,065 |
| Total domestic deposits to total assets | 90.6198% | 693 |
| Equity capital to assets | 7.4303% | 6,467 |
| Core capital (leverage) ratio | 7.2824% | 6,532 |
| Tier 1 risk-based capital ratio | 10.2682% | 6,574 |
| Total risk-based capital ratio | 11.5740% | 6,534 |
| Memoranda: | ||
| Average total assets | $89,153,670 | 5,075 |
| Average earning assets | $83,358,330 | 5,021 |
| Average equity | $6,613,330 | 5,777 |
| Average total loans | $67,279,670 | 4,413 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7327% | 1,451 |
| Cost of funding earning assets | 0.8759% | 1,109 |
| Net interest margin | 3.8568% | 2,257 |
| Noninterest income to average assets | 0.5306% | 3,566 |
| Noninterest expense to average assets | 5.1044% | 344 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.9823% | 6,805 |
| Return on assets (ROA) | -0.9823% | 6,817 |
| Pretax return on assets | -0.9823% | 6,801 |
| Return on Equity (ROE) | -13.2525% | 6,847 |
| Retained earnings to average equity (ytd only) | -13.2525% | 6,703 |
| Net charge-offs to loans | -2.0553% | 6,956 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.8298% | 187 |
| Assets per employee ($millions) | 4.1894% | 3,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1559% | 122 |
| Loan loss allowance to noncurrent loans | 119.0197% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 3.7652% | 1,097 |
| Noncurrent loans to loans | 4.3320% | 991 |
| Net loans and leases to total assets | 65.8257% | 2,397 |
| Net loans and leases to deposits | 72.2560% | 3,152 |
| Net loans and leases to core deposits | 79.0190% | 2,924 |
| Total domestic deposits to total assets | 91.1007% | 485 |
| Equity capital to assets | 6.9555% | 6,721 |
| Core capital (leverage) ratio | 7.0764% | 6,620 |
| Tier 1 risk-based capital ratio | 10.0655% | 6,679 |
| Total risk-based capital ratio | 11.3658% | 6,659 |
| Memoranda: | ||
| Average total assets | $91,215,500 | 5,071 |
| Average earning assets | $84,940,500 | 5,015 |
| Average equity | $6,761,000 | 5,800 |
| Average total loans | $68,311,000 | 4,411 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2301% | 1,062 |
| Cost of funding earning assets | 1.0040% | 1,337 |
| Net interest margin | 4.2262% | 1,590 |
| Noninterest income to average assets | 0.2871% | 5,416 |
| Noninterest expense to average assets | 4.6870% | 483 |
| Loan and lease loss provision to assets | 1.5607% | 195 |
| Net operating income to assets | -2.0344% | 6,932 |
| Return on assets (ROA) | -2.0344% | 6,937 |
| Pretax return on assets | -2.0344% | 6,928 |
| Return on Equity (ROE) | -27.3216% | 6,943 |
| Retained earnings to average equity (ytd only) | -27.3216% | 6,918 |
| Net charge-offs to loans | 2.5566% | 235 |
| Credit loss provision to net charge-offs | 79.3052% | 3,858 |
| Earnings coverage of net charge-offs (x) | -0.2407% | 5,590 |
| Efficiency ratio | 111.2425% | 316 |
| Assets per employee ($millions) | 4.0988% | 3,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4403% | 199 |
| Loan loss allowance to noncurrent loans | 103.5440% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 4.4299% | 940 |
| Noncurrent loans to loans | 4.2884% | 1,031 |
| Net loans and leases to total assets | 77.4325% | 738 |
| Net loans and leases to deposits | 89.7837% | 1,091 |
| Net loans and leases to core deposits | 100.9008% | 968 |
| Total domestic deposits to total assets | 86.2434% | 3,232 |
| Equity capital to assets | 7.9233% | 6,446 |
| Core capital (leverage) ratio | 6.9041% | 6,731 |
| Tier 1 risk-based capital ratio | 10.0435% | 6,687 |
| Total risk-based capital ratio | 11.3367% | 6,649 |
| Memoranda: | ||
| Average total assets | $102,390,400 | 4,769 |
| Average earning assets | $95,121,600 | 4,720 |
| Average equity | $7,624,000 | 5,608 |
| Average total loans | $78,814,800 | 4,074 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1650% | 1,267 |
| Cost of funding earning assets | 1.0525% | 1,268 |
| Net interest margin | 4.1125% | 2,048 |
| Noninterest income to average assets | 0.3118% | 5,289 |
| Noninterest expense to average assets | 4.6322% | 487 |
| Loan and lease loss provision to assets | 1.7507% | 166 |
| Net operating income to assets | -2.2691% | 7,068 |
| Return on assets (ROA) | -2.2691% | 7,072 |
| Pretax return on assets | -2.2691% | 7,060 |
| Return on Equity (ROE) | -30.8746% | 7,067 |
| Retained earnings to average equity (ytd only) | -30.8746% | 7,060 |
| Net charge-offs to loans | 1.9470% | 382 |
| Credit loss provision to net charge-offs | 118.0743% | 2,453 |
| Earnings coverage of net charge-offs (x) | -0.3497% | 5,462 |
| Efficiency ratio | 112.6027% | 261 |
| Assets per employee ($millions) | 5.0261% | 2,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7544% | 169 |
| Loan loss allowance to noncurrent loans | 94.8118% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 4.8020% | 938 |
| Noncurrent loans to loans | 5.0145% | 899 |
| Net loans and leases to total assets | 74.2969% | 1,205 |
| Net loans and leases to deposits | 81.8796% | 2,134 |
| Net loans and leases to core deposits | 95.0892% | 1,479 |
| Total domestic deposits to total assets | 90.7392% | 503 |
| Equity capital to assets | 7.1010% | 6,867 |
| Core capital (leverage) ratio | 6.9423% | 6,808 |
| Tier 1 risk-based capital ratio | 9.4792% | 6,903 |
| Total risk-based capital ratio | 10.7741% | 6,887 |
| Memoranda: | ||
| Average total assets | $106,469,250 | 4,722 |
| Average earning assets | $98,429,750 | 4,681 |
| Average equity | $7,825,000 | 5,604 |
| Average total loans | $81,081,750 | 4,051 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0895% | 1,528 |
| Cost of funding earning assets | 1.1136% | 1,157 |
| Net interest margin | 3.9759% | 2,608 |
| Noninterest income to average assets | 0.2987% | 5,414 |
| Noninterest expense to average assets | 4.7155% | 453 |
| Loan and lease loss provision to assets | 2.5781% | 83 |
| Net operating income to assets | -3.3010% | 7,169 |
| Return on assets (ROA) | -3.3010% | 7,170 |
| Pretax return on assets | -3.3010% | 7,161 |
| Return on Equity (ROE) | -44.4500% | 7,156 |
| Retained earnings to average equity (ytd only) | -44.4500% | 7,150 |
| Net charge-offs to loans | 3.0328% | 193 |
| Credit loss provision to net charge-offs | 112.4698% | 2,425 |
| Earnings coverage of net charge-offs (x) | -0.3154% | 5,193 |
| Efficiency ratio | 118.1062% | 239 |
| Assets per employee ($millions) | 4.7072% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6018% | 215 |
| Loan loss allowance to noncurrent loans | 97.9445% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 4.5038% | 1,104 |
| Noncurrent loans to loans | 4.6984% | 1,100 |
| Net loans and leases to total assets | 73.4468% | 1,337 |
| Net loans and leases to deposits | 80.7894% | 2,265 |
| Net loans and leases to core deposits | 98.8858% | 1,183 |
| Total domestic deposits to total assets | 90.9114% | 482 |
| Equity capital to assets | 6.9101% | 6,927 |
| Core capital (leverage) ratio | 6.4452% | 6,942 |
| Tier 1 risk-based capital ratio | 9.2828% | 6,951 |
| Total risk-based capital ratio | 10.5738% | 6,948 |
| Memoranda: | ||
| Average total assets | $108,452,000 | 4,706 |
| Average earning assets | $100,756,670 | 4,648 |
| Average equity | $8,054,000 | 5,556 |
| Average total loans | $81,971,670 | 4,040 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9812% | 1,955 |
| Cost of funding earning assets | 1.1393% | 1,219 |
| Net interest margin | 3.8419% | 3,175 |
| Noninterest income to average assets | 0.3895% | 4,746 |
| Noninterest expense to average assets | 4.2778% | 686 |
| Loan and lease loss provision to assets | 2.8675% | 79 |
| Net operating income to assets | -3.1921% | 7,232 |
| Return on assets (ROA) | -3.1921% | 7,233 |
| Pretax return on assets | -3.1921% | 7,221 |
| Return on Equity (ROE) | -41.6324% | 7,207 |
| Retained earnings to average equity (ytd only) | -41.6324% | 7,194 |
| Net charge-offs to loans | 5.8489% | 67 |
| Credit loss provision to net charge-offs | 65.4321% | 3,007 |
| Earnings coverage of net charge-offs (x) | -0.0741% | 4,401 |
| Efficiency ratio | 108.2117% | 366 |
| Assets per employee ($millions) | 5.0855% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7494% | 447 |
| Loan loss allowance to noncurrent loans | 52.1051% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 5.6855% | 853 |
| Noncurrent loans to loans | 7.1959% | 600 |
| Net loans and leases to total assets | 70.9906% | 1,572 |
| Net loans and leases to deposits | 78.2798% | 2,455 |
| Net loans and leases to core deposits | 95.3825% | 1,344 |
| Total domestic deposits to total assets | 90.6883% | 695 |
| Equity capital to assets | 7.2014% | 6,881 |
| Core capital (leverage) ratio | 7.1732% | 6,771 |
| Tier 1 risk-based capital ratio | 10.0509% | 6,865 |
| Total risk-based capital ratio | 11.3356% | 6,850 |
| Memoranda: | ||
| Average total assets | $110,899,000 | 4,689 |
| Average earning assets | $102,866,000 | 4,633 |
| Average equity | $8,503,000 | 5,430 |
| Average total loans | $83,093,000 | 4,040 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7043% | 773 |
| Cost of funding earning assets | 1.4278% | 928 |
| Net interest margin | 4.2765% | 1,780 |
| Noninterest income to average assets | 0.1797% | 6,206 |
| Noninterest expense to average assets | 3.8903% | 1,196 |
| Loan and lease loss provision to assets | 1.2724% | 651 |
| Net operating income to assets | -1.0845% | 6,778 |
| Return on assets (ROA) | -1.0845% | 6,803 |
| Pretax return on assets | -1.0845% | 6,769 |
| Return on Equity (ROE) | -12.0351% | 6,802 |
| Retained earnings to average equity (ytd only) | -12.0351% | 6,773 |
| Net charge-offs to loans | 1.4717% | 1,091 |
| Credit loss provision to net charge-offs | 115.3846% | 2,825 |
| Earnings coverage of net charge-offs (x) | 0.1704% | 5,711 |
| Efficiency ratio | 95.3925% | 851 |
| Assets per employee ($millions) | 4.5799% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2000% | 324 |
| Loan loss allowance to noncurrent loans | 98.5142% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 3.6628% | 1,604 |
| Noncurrent loans to loans | 4.2633% | 1,435 |
| Net loans and leases to total assets | 72.9214% | 1,471 |
| Net loans and leases to deposits | 81.4009% | 2,292 |
| Net loans and leases to core deposits | 103.5742% | 925 |
| Total domestic deposits to total assets | 89.5830% | 1,213 |
| Equity capital to assets | 8.1416% | 6,489 |
| Core capital (leverage) ratio | 7.8864% | 6,370 |
| Tier 1 risk-based capital ratio | 11.0564% | 6,422 |
| Total risk-based capital ratio | 12.3459% | 6,386 |
| Memoranda: | ||
| Average total assets | $109,632,000 | 4,647 |
| Average earning assets | $99,941,400 | 4,644 |
| Average equity | $9,879,400 | 5,055 |
| Average total loans | $82,150,400 | 4,073 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7712% | 738 |
| Cost of funding earning assets | 1.4849% | 918 |
| Net interest margin | 4.2863% | 1,768 |
| Noninterest income to average assets | 0.2397% | 5,910 |
| Noninterest expense to average assets | 3.7823% | 1,334 |
| Loan and lease loss provision to assets | 0.4953% | 2,005 |
| Net operating income to assets | -0.1314% | 6,314 |
| Return on assets (ROA) | -0.1314% | 6,397 |
| Pretax return on assets | -0.1314% | 6,361 |
| Return on Equity (ROE) | -1.4241% | 6,423 |
| Retained earnings to average equity (ytd only) | -1.4241% | 6,222 |
| Net charge-offs to loans | 1.3436% | 1,126 |
| Credit loss provision to net charge-offs | 49.3932% | 5,047 |
| Earnings coverage of net charge-offs (x) | 0.3629% | 5,338 |
| Efficiency ratio | 91.2240% | 1,089 |
| Assets per employee ($millions) | 4.8370% | 2,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5469% | 545 |
| Loan loss allowance to noncurrent loans | 90.3476% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 4.5366% | 1,318 |
| Noncurrent loans to loans | 3.9258% | 1,687 |
| Net loans and leases to total assets | 71.1560% | 1,873 |
| Net loans and leases to deposits | 80.3176% | 2,612 |
| Net loans and leases to core deposits | 113.7354% | 560 |
| Total domestic deposits to total assets | 88.5933% | 1,698 |
| Equity capital to assets | 9.0265% | 5,730 |
| Core capital (leverage) ratio | 9.2078% | 4,619 |
| Tier 1 risk-based capital ratio | 12.0042% | 5,892 |
| Total risk-based capital ratio | 13.2826% | 5,861 |
| Memoranda: | ||
| Average total assets | $109,560,750 | 4,685 |
| Average earning assets | $99,849,500 | 4,674 |
| Average equity | $10,112,000 | 5,009 |
| Average total loans | $81,771,250 | 4,126 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8023% | 718 |
| Cost of funding earning assets | 1.5375% | 871 |
| Net interest margin | 4.2648% | 1,789 |
| Noninterest income to average assets | 0.1817% | 6,359 |
| Noninterest expense to average assets | 3.8661% | 1,250 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2551% | 5,542 |
| Return on assets (ROA) | 0.2551% | 5,661 |
| Pretax return on assets | 0.2551% | 5,794 |
| Return on Equity (ROE) | 2.7429% | 5,503 |
| Retained earnings to average equity (ytd only) | 2.7429% | 4,536 |
| Net charge-offs to loans | 0.0588% | 5,063 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 5.7917% | 2,528 |
| Efficiency ratio | 93.8112% | 989 |
| Assets per employee ($millions) | 5.4810% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0453% | 404 |
| Loan loss allowance to noncurrent loans | 303.9558% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 2.4074% | 2,749 |
| Noncurrent loans to loans | 1.3309% | 4,429 |
| Net loans and leases to total assets | 71.4949% | 1,883 |
| Net loans and leases to deposits | 81.1657% | 2,587 |
| Net loans and leases to core deposits | 120.0607% | 417 |
| Total domestic deposits to total assets | 88.0851% | 2,092 |
| Equity capital to assets | 9.3825% | 5,013 |
| Core capital (leverage) ratio | 9.5929% | 3,811 |
| Tier 1 risk-based capital ratio | 12.4059% | 5,434 |
| Total risk-based capital ratio | 13.6924% | 5,383 |
| Memoranda: | ||
| Average total assets | $108,997,670 | 4,728 |
| Average earning assets | $100,683,670 | 4,694 |
| Average equity | $10,135,330 | 5,013 |
| Average total loans | $81,671,000 | 4,161 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8392% | 685 |
| Cost of funding earning assets | 1.5939% | 838 |
| Net interest margin | 4.2452% | 1,768 |
| Noninterest income to average assets | 0.1509% | 6,646 |
| Noninterest expense to average assets | 3.8275% | 1,295 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2539% | 5,602 |
| Return on assets (ROA) | 0.2539% | 5,667 |
| Pretax return on assets | 0.2539% | 5,797 |
| Return on Equity (ROE) | 2.7434% | 5,499 |
| Retained earnings to average equity (ytd only) | 2.7434% | 4,526 |
| Net charge-offs to loans | -0.0049% | 6,237 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7782% | 1,049 |
| Assets per employee ($millions) | 5.0281% | 2,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1593% | 379 |
| Loan loss allowance to noncurrent loans | 328.9526% | 934 |
| Noncurrent assets plus other real estate owned to assets | 2.2388% | 3,014 |
| Noncurrent loans to loans | 1.2644% | 4,577 |
| Net loans and leases to total assets | 72.6463% | 1,581 |
| Net loans and leases to deposits | 82.7442% | 2,227 |
| Net loans and leases to core deposits | 147.8167% | 159 |
| Total domestic deposits to total assets | 87.7963% | 2,489 |
| Equity capital to assets | 9.5557% | 4,363 |
| Core capital (leverage) ratio | 9.0999% | 4,452 |
| Tier 1 risk-based capital ratio | 12.3305% | 5,416 |
| Total risk-based capital ratio | 13.5958% | 5,394 |
| Memoranda: | ||
| Average total assets | $108,687,000 | 4,771 |
| Average earning assets | $100,631,000 | 4,724 |
| Average equity | $10,060,500 | 5,034 |
| Average total loans | $81,668,500 | 4,199 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7246% | 1,489 |
| Cost of funding earning assets | 1.7024% | 1,590 |
| Net interest margin | 4.0222% | 2,917 |
| Noninterest income to average assets | 0.0025% | 7,270 |
| Noninterest expense to average assets | 3.6190% | 1,882 |
| Loan and lease loss provision to assets | 0.9446% | 1,729 |
| Net operating income to assets | -0.8409% | 6,599 |
| Return on assets (ROA) | -0.8409% | 6,629 |
| Pretax return on assets | -0.8409% | 6,539 |
| Return on Equity (ROE) | -10.0968% | 6,731 |
| Retained earnings to average equity (ytd only) | -10.0968% | 6,665 |
| Net charge-offs to loans | 1.7004% | 1,272 |
| Credit loss provision to net charge-offs | 76.8703% | 5,667 |
| Earnings coverage of net charge-offs (x) | 0.0844% | 6,036 |
| Efficiency ratio | 97.2134% | 906 |
| Assets per employee ($millions) | 5.3230% | 1,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9952% | 404 |
| Loan loss allowance to noncurrent loans | 321.5459% | 961 |
| Noncurrent assets plus other real estate owned to assets | 2.1354% | 3,169 |
| Noncurrent loans to loans | 1.2425% | 4,643 |
| Net loans and leases to total assets | 71.5422% | 2,192 |
| Net loans and leases to deposits | 81.5683% | 2,892 |
| Net loans and leases to core deposits | 151.9340% | 172 |
| Total domestic deposits to total assets | 87.7083% | 2,413 |
| Equity capital to assets | 8.9736% | 5,181 |
| Core capital (leverage) ratio | 8.8388% | 4,792 |
| Tier 1 risk-based capital ratio | 11.5187% | 5,895 |
| Total risk-based capital ratio | 12.7713% | 5,897 |
| Memoranda: | ||
| Average total assets | $118,568,800 | 4,506 |
| Average earning assets | $109,666,600 | 4,470 |
| Average equity | $9,874,400 | 5,169 |
| Average total loans | $85,687,400 | 4,159 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6961% | 1,728 |
| Cost of funding earning assets | 1.7237% | 1,751 |
| Net interest margin | 3.9724% | 3,227 |
| Noninterest income to average assets | 0.1619% | 6,705 |
| Noninterest expense to average assets | 3.4611% | 2,137 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3670% | 4,900 |
| Return on assets (ROA) | 0.3670% | 5,078 |
| Pretax return on assets | 0.3670% | 5,321 |
| Return on Equity (ROE) | 4.4871% | 4,564 |
| Retained earnings to average equity (ytd only) | 4.4871% | 3,356 |
| Net charge-offs to loans | 1.6457% | 1,202 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 0.3108% | 5,717 |
| Efficiency ratio | 90.4141% | 1,249 |
| Assets per employee ($millions) | 5.3776% | 1,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1429% | 737 |
| Loan loss allowance to noncurrent loans | 325.0000% | 912 |
| Noncurrent assets plus other real estate owned to assets | 2.8425% | 2,551 |
| Noncurrent loans to loans | 0.9671% | 5,302 |
| Net loans and leases to total assets | 70.9517% | 2,502 |
| Net loans and leases to deposits | 80.9090% | 3,286 |
| Net loans and leases to core deposits | 179.6243% | 108 |
| Total domestic deposits to total assets | 87.6932% | 2,164 |
| Equity capital to assets | 9.6423% | 4,636 |
| Core capital (leverage) ratio | 9.4921% | 3,914 |
| Tier 1 risk-based capital ratio | 12.2630% | 5,209 |
| Total risk-based capital ratio | 13.5342% | 5,167 |
| Memoranda: | ||
| Average total assets | $120,265,250 | 4,535 |
| Average earning assets | $110,997,750 | 4,511 |
| Average equity | $9,835,250 | 5,245 |
| Average total loans | $86,284,250 | 4,215 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5779% | 2,218 |
| Cost of funding earning assets | 1.7572% | 1,832 |
| Net interest margin | 3.8207% | 3,807 |
| Noninterest income to average assets | 0.1679% | 6,704 |
| Noninterest expense to average assets | 3.4553% | 2,136 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.2494% | 5,377 |
| Return on assets (ROA) | 0.2494% | 5,516 |
| Pretax return on assets | 0.2494% | 5,656 |
| Return on Equity (ROE) | 3.2265% | 5,125 |
| Retained earnings to average equity (ytd only) | 3.2265% | 4,053 |
| Net charge-offs to loans | 0.9169% | 1,997 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 0.3815% | 5,355 |
| Efficiency ratio | 93.2688% | 1,107 |
| Assets per employee ($millions) | 4.8078% | 2,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8349% | 424 |
| Loan loss allowance to noncurrent loans | 221.1382% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 3.3747% | 2,084 |
| Noncurrent loans to loans | 1.7342% | 4,086 |
| Net loans and leases to total assets | 70.9335% | 2,677 |
| Net loans and leases to deposits | 79.7723% | 3,636 |
| Net loans and leases to core deposits | 98.1391% | 2,211 |
| Total domestic deposits to total assets | 88.9199% | 1,483 |
| Equity capital to assets | 8.3493% | 6,357 |
| Core capital (leverage) ratio | 7.8229% | 6,471 |
| Tier 1 risk-based capital ratio | 10.6142% | 6,597 |
| Total risk-based capital ratio | 11.8938% | 6,566 |
| Memoranda: | ||
| Average total assets | $122,710,670 | 4,510 |
| Average earning assets | $113,591,330 | 4,458 |
| Average equity | $9,484,000 | 5,344 |
| Average total loans | $87,470,670 | 4,214 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3738% | 3,172 |
| Cost of funding earning assets | 1.7393% | 2,187 |
| Net interest margin | 3.6345% | 4,558 |
| Noninterest income to average assets | 0.1583% | 6,837 |
| Noninterest expense to average assets | 3.4343% | 2,143 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1171% | 5,976 |
| Return on assets (ROA) | 0.1171% | 6,090 |
| Pretax return on assets | 0.1171% | 6,093 |
| Return on Equity (ROE) | 1.5730% | 5,934 |
| Retained earnings to average equity (ytd only) | 1.5730% | 5,162 |
| Net charge-offs to loans | 1.8364% | 941 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.0909% | 4,952 |
| Efficiency ratio | 96.7023% | 987 |
| Assets per employee ($millions) | 5.3324% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7783% | 441 |
| Loan loss allowance to noncurrent loans | 113.6379% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 4.1296% | 1,659 |
| Noncurrent loans to loans | 3.3248% | 2,404 |
| Net loans and leases to total assets | 64.8335% | 4,136 |
| Net loans and leases to deposits | 71.9282% | 5,061 |
| Net loans and leases to core deposits | 84.6342% | 4,116 |
| Total domestic deposits to total assets | 90.1365% | 924 |
| Equity capital to assets | 7.3779% | 7,159 |
| Core capital (leverage) ratio | 7.4797% | 6,875 |
| Tier 1 risk-based capital ratio | 10.2466% | 6,848 |
| Total risk-based capital ratio | 11.5252% | 6,816 |
| Memoranda: | ||
| Average total assets | $126,372,500 | 4,492 |
| Average earning assets | $117,980,000 | 4,424 |
| Average equity | $9,409,000 | 5,422 |
| Average total loans | $88,650,000 | 4,236 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0525% | 1,666 |
| Cost of funding earning assets | 2.3157% | 1,594 |
| Net interest margin | 3.7368% | 3,965 |
| Noninterest income to average assets | -0.5997% | 7,955 |
| Noninterest expense to average assets | 4.0007% | 1,363 |
| Loan and lease loss provision to assets | 3.8120% | 375 |
| Net operating income to assets | -4.9361% | 7,741 |
| Return on assets (ROA) | -4.9361% | 7,736 |
| Pretax return on assets | -4.9361% | 7,698 |
| Return on Equity (ROE) | -46.8587% | 7,651 |
| Retained earnings to average equity (ytd only) | -46.8587% | 7,639 |
| Net charge-offs to loans | 2.1719% | 1,105 |
| Credit loss provision to net charge-offs | 217.7377% | 1,745 |
| Earnings coverage of net charge-offs (x) | -0.6421% | 6,776 |
| Efficiency ratio | 139.0756% | 396 |
| Assets per employee ($millions) | 4.9907% | 2,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0244% | 357 |
| Loan loss allowance to noncurrent loans | 74.6436% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 4.6174% | 1,386 |
| Noncurrent loans to loans | 5.3915% | 1,211 |
| Net loans and leases to total assets | 70.0540% | 3,246 |
| Net loans and leases to deposits | 77.9157% | 4,393 |
| Net loans and leases to core deposits | 149.8046% | 512 |
| Total domestic deposits to total assets | 89.9101% | 1,005 |
| Equity capital to assets | 7.5147% | 7,023 |
| Core capital (leverage) ratio | 7.5999% | 6,682 |
| Tier 1 risk-based capital ratio | 9.8832% | 6,965 |
| Total risk-based capital ratio | 11.1176% | 6,950 |
| Memoranda: | ||
| Average total assets | $107,555,400 | 4,890 |
| Average earning assets | $100,058,000 | 4,845 |
| Average equity | $11,329,800 | 4,925 |
| Average total loans | $86,697,000 | 4,306 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0844% | 1,705 |
| Cost of funding earning assets | 2.4274% | 1,531 |
| Net interest margin | 3.6570% | 4,246 |
| Noninterest income to average assets | -0.9078% | 8,071 |
| Noninterest expense to average assets | 4.2084% | 1,024 |
| Loan and lease loss provision to assets | 5.2943% | 153 |
| Net operating income to assets | -7.0118% | 7,978 |
| Return on assets (ROA) | -7.0118% | 7,979 |
| Pretax return on assets | -7.0118% | 7,960 |
| Return on Equity (ROE) | -61.2597% | 7,900 |
| Retained earnings to average equity (ytd only) | -61.2597% | 7,898 |
| Net charge-offs to loans | 2.9905% | 560 |
| Credit loss provision to net charge-offs | 213.5417% | 2,060 |
| Earnings coverage of net charge-offs (x) | -0.6927% | 6,561 |
| Efficiency ratio | 168.9476% | 244 |
| Assets per employee ($millions) | 4.6036% | 2,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7983% | 337 |
| Loan loss allowance to noncurrent loans | 75.5361% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 4.7254% | 1,263 |
| Noncurrent loans to loans | 5.0285% | 1,303 |
| Net loans and leases to total assets | 76.7691% | 1,829 |
| Net loans and leases to deposits | 85.8590% | 3,343 |
| Net loans and leases to core deposits | 147.6706% | 638 |
| Total domestic deposits to total assets | 89.4130% | 1,011 |
| Equity capital to assets | 7.7506% | 7,096 |
| Core capital (leverage) ratio | 7.8030% | 6,606 |
| Tier 1 risk-based capital ratio | 9.2778% | 7,501 |
| Total risk-based capital ratio | 10.5575% | 7,477 |
| Memoranda: | ||
| Average total assets | $103,252,250 | 5,038 |
| Average earning assets | $95,959,250 | 4,981 |
| Average equity | $11,818,250 | 4,844 |
| Average total loans | $85,603,750 | 4,377 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1630% | 1,585 |
| Cost of funding earning assets | 2.5210% | 1,540 |
| Net interest margin | 3.6419% | 4,208 |
| Noninterest income to average assets | -1.5403% | 8,172 |
| Noninterest expense to average assets | 4.4696% | 795 |
| Loan and lease loss provision to assets | 8.3869% | 64 |
| Net operating income to assets | -11.0073% | 8,141 |
| Return on assets (ROA) | -11.0073% | 8,135 |
| Pretax return on assets | -11.0073% | 8,122 |
| Return on Equity (ROE) | -84.9721% | 8,051 |
| Retained earnings to average equity (ytd only) | -84.9721% | 8,049 |
| Net charge-offs to loans | 0.2114% | 4,192 |
| Credit loss provision to net charge-offs | 4,712.6437% | 105 |
| Earnings coverage of net charge-offs (x) | -14.7241% | 6,549 |
| Efficiency ratio | 241.7035% | 124 |
| Assets per employee ($millions) | 4.2140% | 3,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1020% | 76 |
| Loan loss allowance to noncurrent loans | 116.5884% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 5.0537% | 1,042 |
| Noncurrent loans to loans | 5.2338% | 1,138 |
| Net loans and leases to total assets | 76.6993% | 2,017 |
| Net loans and leases to deposits | 89.5761% | 2,889 |
| Net loans and leases to core deposits | 137.7132% | 1,117 |
| Total domestic deposits to total assets | 85.6247% | 2,950 |
| Equity capital to assets | 8.4609% | 6,105 |
| Core capital (leverage) ratio | 8.7047% | 5,077 |
| Tier 1 risk-based capital ratio | 9.9617% | 6,974 |
| Total risk-based capital ratio | 11.2690% | 6,833 |
| Memoranda: | ||
| Average total assets | $97,771,670 | 5,220 |
| Average earning assets | $90,995,330 | 5,161 |
| Average equity | $12,665,330 | 4,640 |
| Average total loans | $82,299,670 | 4,518 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1168% | 1,883 |
| Cost of funding earning assets | 2.6103% | 1,530 |
| Net interest margin | 3.5065% | 4,703 |
| Noninterest income to average assets | 0.2133% | 6,770 |
| Noninterest expense to average assets | 4.8065% | 553 |
| Loan and lease loss provision to assets | 1.3061% | 984 |
| Net operating income to assets | -2.5948% | 7,786 |
| Return on assets (ROA) | -2.5948% | 7,781 |
| Pretax return on assets | -2.5948% | 7,679 |
| Return on Equity (ROE) | -16.5982% | 7,664 |
| Retained earnings to average equity (ytd only) | -16.5982% | 7,520 |
| Net charge-offs to loans | 0.1677% | 3,628 |
| Credit loss provision to net charge-offs | 909.0909% | 677 |
| Earnings coverage of net charge-offs (x) | -8.9697% | 5,610 |
| Efficiency ratio | 136.6337% | 441 |
| Assets per employee ($millions) | 3.4971% | 4,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0708% | 1,291 |
| Loan loss allowance to noncurrent loans | 683.2669% | 540 |
| Noncurrent assets plus other real estate owned to assets | 2.0726% | 2,787 |
| Noncurrent loans to loans | 0.3031% | 6,677 |
| Net loans and leases to total assets | 85.8943% | 461 |
| Net loans and leases to deposits | 112.5366% | 497 |
| Net loans and leases to core deposits | 227.6987% | 90 |
| Total domestic deposits to total assets | 76.3257% | 6,447 |
| Equity capital to assets | 14.9169% | 1,126 |
| Core capital (leverage) ratio | 15.3766% | 890 |
| Tier 1 risk-based capital ratio | 15.7780% | 2,761 |
| Total risk-based capital ratio | 17.0357% | 2,698 |
| Memoranda: | ||
| Average total assets | $91,876,000 | 5,427 |
| Average earning assets | $86,581,500 | 5,330 |
| Average equity | $14,363,000 | 4,253 |
| Average total loans | $78,702,000 | 4,655 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4945% | 2,982 |
| Cost of funding earning assets | 3.3581% | 790 |
| Net interest margin | 3.1363% | 6,554 |
| Noninterest income to average assets | 0.1811% | 7,146 |
| Noninterest expense to average assets | 5.2156% | 573 |
| Loan and lease loss provision to assets | 1.5578% | 854 |
| Net operating income to assets | -3.6333% | 7,933 |
| Return on assets (ROA) | -3.6333% | 7,912 |
| Pretax return on assets | -3.6333% | 7,830 |
| Return on Equity (ROE) | -18.3566% | 7,724 |
| Retained earnings to average equity (ytd only) | -18.3566% | 7,633 |
| Net charge-offs to loans | 0.7043% | 1,752 |
| Credit loss provision to net charge-offs | 270.2760% | 1,705 |
| Earnings coverage of net charge-offs (x) | -3.6008% | 6,795 |
| Efficiency ratio | 166.0951% | 289 |
| Assets per employee ($millions) | 3.5732% | 4,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9414% | 1,331 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9120% | 2,565 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 81.8737% | 1,252 |
| Net loans and leases to deposits | 105.9250% | 1,129 |
| Net loans and leases to core deposits | 219.5515% | 111 |
| Total domestic deposits to total assets | 77.2940% | 5,919 |
| Equity capital to assets | 16.3900% | 864 |
| Core capital (leverage) ratio | 16.6395% | 740 |
| Tier 1 risk-based capital ratio | 18.1553% | 2,003 |
| Total risk-based capital ratio | 19.4122% | 1,951 |
| Memoranda: | ||
| Average total assets | $81,716,800 | 5,637 |
| Average earning assets | $77,096,200 | 5,543 |
| Average equity | $16,174,000 | 3,891 |
| Average total loans | $66,874,600 | 4,985 |