Home > Port Byron State Bank > Performance and Condition Ratios
Port Byron State Bank, Performance and Condition Ratios
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3732% | 5,183 |
| Cost of funding earning assets | 0.3605% | 3,496 |
| Net interest margin | 3.0126% | 5,088 |
| Noninterest income to average assets | 0.4389% | 3,552 |
| Noninterest expense to average assets | 3.7056% | 891 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.3722% | 5,939 |
| Return on assets (ROA) | -0.3722% | 5,947 |
| Pretax return on assets | -0.5278% | 5,969 |
| Return on Equity (ROE) | -3.5516% | 5,951 |
| Retained earnings to average equity (ytd only) | -3.5516% | 5,520 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.6084% | 121 |
| Assets per employee ($millions) | 2.9947% | 5,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8293% | 1,095 |
| Loan loss allowance to noncurrent loans | 31.8417% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 3.2335% | 375 |
| Noncurrent loans to loans | 5.7449% | 154 |
| Net loans and leases to total assets | 55.2552% | 4,329 |
| Net loans and leases to deposits | 62.6467% | 4,534 |
| Net loans and leases to core deposits | 63.0725% | 4,746 |
| Total domestic deposits to total assets | 88.2012% | 1,530 |
| Equity capital to assets | 10.4923% | 3,506 |
| Core capital (leverage) ratio | 9.2219% | 4,574 |
| Tier 1 risk-based capital ratio | 15.0966% | 3,109 |
| Total risk-based capital ratio | 16.3639% | 3,039 |
| Memoranda: | ||
| Average total assets | $71,999,000 | 5,029 |
| Average earning assets | $65,457,500 | 5,036 |
| Average equity | $7,546,000 | 5,133 |
| Average total loans | $41,349,000 | 4,966 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4762% | 4,989 |
| Cost of funding earning assets | 0.3813% | 3,351 |
| Net interest margin | 3.0949% | 4,910 |
| Noninterest income to average assets | 0.4190% | 3,905 |
| Noninterest expense to average assets | 3.4495% | 1,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.0814% | 5,916 |
| Return on assets (ROA) | -0.0814% | 5,932 |
| Pretax return on assets | -0.2020% | 5,962 |
| Return on Equity (ROE) | -0.7923% | 5,931 |
| Retained earnings to average equity (ytd only) | -0.7923% | 5,631 |
| Net charge-offs to loans | 0.6832% | 349 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -0.4983% | 4,307 |
| Efficiency ratio | 106.2213% | 182 |
| Assets per employee ($millions) | 3.6063% | 4,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7517% | 1,235 |
| Loan loss allowance to noncurrent loans | 31.2105% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 3.2873% | 380 |
| Noncurrent loans to loans | 5.6125% | 159 |
| Net loans and leases to total assets | 57.5451% | 4,145 |
| Net loans and leases to deposits | 65.1376% | 4,383 |
| Net loans and leases to core deposits | 65.6382% | 4,620 |
| Total domestic deposits to total assets | 88.3440% | 1,454 |
| Equity capital to assets | 10.4692% | 3,397 |
| Core capital (leverage) ratio | 9.3176% | 4,449 |
| Tier 1 risk-based capital ratio | 14.8794% | 3,229 |
| Total risk-based capital ratio | 16.1493% | 3,153 |
| Memoranda: | ||
| Average total assets | $73,748,800 | 4,997 |
| Average earning assets | $67,400,800 | 4,998 |
| Average equity | $7,573,000 | 5,134 |
| Average total loans | $43,763,600 | 4,865 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5066% | 4,969 |
| Cost of funding earning assets | 0.3813% | 3,417 |
| Net interest margin | 3.1253% | 4,896 |
| Noninterest income to average assets | 0.4297% | 3,868 |
| Noninterest expense to average assets | 3.5313% | 1,232 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.1133% | 6,012 |
| Return on assets (ROA) | -0.1133% | 6,033 |
| Pretax return on assets | -0.2427% | 6,066 |
| Return on Equity (ROE) | -1.1084% | 6,031 |
| Retained earnings to average equity (ytd only) | -1.1084% | 5,768 |
| Net charge-offs to loans | 0.9031% | 216 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -0.4515% | 4,022 |
| Efficiency ratio | 107.3811% | 177 |
| Assets per employee ($millions) | 3.1274% | 5,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7187% | 1,429 |
| Loan loss allowance to noncurrent loans | 40.3710% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 2.6109% | 639 |
| Noncurrent loans to loans | 4.2573% | 278 |
| Net loans and leases to total assets | 58.8280% | 4,037 |
| Net loans and leases to deposits | 66.6535% | 4,314 |
| Net loans and leases to core deposits | 67.1677% | 4,614 |
| Total domestic deposits to total assets | 88.2594% | 1,420 |
| Equity capital to assets | 10.5533% | 3,543 |
| Core capital (leverage) ratio | 9.1960% | 4,732 |
| Tier 1 risk-based capital ratio | 14.7039% | 3,436 |
| Total risk-based capital ratio | 15.9725% | 3,373 |
| Memoranda: | ||
| Average total assets | $74,154,500 | 5,042 |
| Average earning assets | $67,832,750 | 5,049 |
| Average equity | $7,578,500 | 5,201 |
| Average total loans | $44,143,250 | 4,911 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5243% | 4,923 |
| Cost of funding earning assets | 0.3760% | 3,540 |
| Net interest margin | 3.1482% | 4,833 |
| Noninterest income to average assets | 0.4273% | 3,872 |
| Noninterest expense to average assets | 3.5810% | 1,165 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1255% | 6,062 |
| Return on assets (ROA) | -0.1255% | 6,091 |
| Pretax return on assets | -0.2697% | 6,135 |
| Return on Equity (ROE) | -1.2410% | 6,094 |
| Retained earnings to average equity (ytd only) | -1.2410% | 5,729 |
| Net charge-offs to loans | 0.1168% | 1,833 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -3.8846% | 3,815 |
| Efficiency ratio | 108.1452% | 195 |
| Assets per employee ($millions) | 3.3914% | 4,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2410% | 693 |
| Loan loss allowance to noncurrent loans | 46.7467% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 2.9648% | 572 |
| Noncurrent loans to loans | 4.7938% | 256 |
| Net loans and leases to total assets | 59.2293% | 3,941 |
| Net loans and leases to deposits | 66.7881% | 4,253 |
| Net loans and leases to core deposits | 67.2823% | 4,550 |
| Total domestic deposits to total assets | 88.6825% | 1,309 |
| Equity capital to assets | 10.1421% | 3,881 |
| Core capital (leverage) ratio | 9.0798% | 4,851 |
| Tier 1 risk-based capital ratio | 14.1367% | 3,850 |
| Total risk-based capital ratio | 15.3978% | 3,774 |
| Memoranda: | ||
| Average total assets | $74,896,000 | 5,077 |
| Average earning assets | $68,610,000 | 5,074 |
| Average equity | $7,574,330 | 5,245 |
| Average total loans | $44,506,000 | 4,931 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4395% | 5,118 |
| Cost of funding earning assets | 0.3777% | 3,558 |
| Net interest margin | 3.0619% | 5,057 |
| Noninterest income to average assets | 0.4531% | 3,616 |
| Noninterest expense to average assets | 3.6941% | 1,022 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.2559% | 6,172 |
| Return on assets (ROA) | -0.2559% | 6,192 |
| Pretax return on assets | -0.4318% | 6,226 |
| Return on Equity (ROE) | -2.5337% | 6,198 |
| Retained earnings to average equity (ytd only) | -2.5337% | 5,750 |
| Net charge-offs to loans | -0.0362% | 5,357 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.2353% | 170 |
| Assets per employee ($millions) | 2.7884% | 5,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3492% | 662 |
| Loan loss allowance to noncurrent loans | 50.3621% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 2.8013% | 706 |
| Noncurrent loans to loans | 4.6645% | 318 |
| Net loans and leases to total assets | 57.5876% | 4,009 |
| Net loans and leases to deposits | 64.8886% | 4,282 |
| Net loans and leases to core deposits | 65.3877% | 4,580 |
| Total domestic deposits to total assets | 88.7484% | 1,420 |
| Equity capital to assets | 10.0735% | 4,056 |
| Core capital (leverage) ratio | 8.9343% | 5,033 |
| Tier 1 risk-based capital ratio | 14.3428% | 3,807 |
| Total risk-based capital ratio | 15.6053% | 3,719 |
| Memoranda: | ||
| Average total assets | $75,039,000 | 5,132 |
| Average earning assets | $68,846,500 | 5,118 |
| Average equity | $7,578,000 | 5,285 |
| Average total loans | $44,157,000 | 4,981 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5260% | 5,262 |
| Cost of funding earning assets | 0.4294% | 3,387 |
| Net interest margin | 3.0966% | 5,214 |
| Noninterest income to average assets | 0.5557% | 3,143 |
| Noninterest expense to average assets | 3.8848% | 874 |
| Loan and lease loss provision to assets | -0.4588% | 6,438 |
| Net operating income to assets | -0.0078% | 6,097 |
| Return on assets (ROA) | 0.0129% | 6,097 |
| Pretax return on assets | -0.0233% | 6,109 |
| Return on Equity (ROE) | 0.1349% | 6,095 |
| Retained earnings to average equity (ytd only) | 0.1349% | 5,712 |
| Net charge-offs to loans | -0.7822% | 6,434 |
| Credit loss provision to net charge-offs | 111.9874% | 2,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.2607% | 158 |
| Assets per employee ($millions) | 2.4126% | 6,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3659% | 653 |
| Loan loss allowance to noncurrent loans | 53.1730% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 2.6527% | 846 |
| Noncurrent loans to loans | 4.4495% | 380 |
| Net loans and leases to total assets | 57.3278% | 4,147 |
| Net loans and leases to deposits | 64.6015% | 4,466 |
| Net loans and leases to core deposits | 65.1839% | 4,733 |
| Total domestic deposits to total assets | 88.7406% | 1,396 |
| Equity capital to assets | 10.1242% | 3,952 |
| Core capital (leverage) ratio | 9.0841% | 4,843 |
| Tier 1 risk-based capital ratio | 15.0884% | 3,441 |
| Total risk-based capital ratio | 16.3875% | 3,366 |
| Memoranda: | ||
| Average total assets | $77,379,200 | 5,120 |
| Average earning assets | $70,334,600 | 5,116 |
| Average equity | $7,415,600 | 5,320 |
| Average total loans | $40,525,400 | 5,159 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4498% | 5,497 |
| Cost of funding earning assets | 0.4374% | 3,392 |
| Net interest margin | 3.0124% | 5,475 |
| Noninterest income to average assets | 0.5793% | 2,997 |
| Noninterest expense to average assets | 3.9217% | 822 |
| Loan and lease loss provision to assets | -0.2819% | 6,449 |
| Net operating income to assets | -0.1366% | 6,240 |
| Return on assets (ROA) | -0.1333% | 6,245 |
| Pretax return on assets | -0.3247% | 6,306 |
| Return on Equity (ROE) | -1.4099% | 6,255 |
| Retained earnings to average equity (ytd only) | -1.4099% | 6,019 |
| Net charge-offs to loans | -1.0652% | 6,521 |
| Credit loss provision to net charge-offs | 52.0505% | 3,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.4822% | 138 |
| Assets per employee ($millions) | 2.4330% | 6,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9869% | 365 |
| Loan loss allowance to noncurrent loans | 32.1055% | 5,668 |
| Noncurrent assets plus other real estate owned to assets | 5.1152% | 327 |
| Noncurrent loans to loans | 9.3035% | 89 |
| Net loans and leases to total assets | 52.9242% | 4,708 |
| Net loans and leases to deposits | 59.4118% | 4,993 |
| Net loans and leases to core deposits | 59.9408% | 5,194 |
| Total domestic deposits to total assets | 89.0803% | 1,192 |
| Equity capital to assets | 9.8140% | 4,402 |
| Core capital (leverage) ratio | 8.8603% | 5,250 |
| Tier 1 risk-based capital ratio | 15.3158% | 3,417 |
| Total risk-based capital ratio | 16.6175% | 3,324 |
| Memoranda: | ||
| Average total assets | $78,026,250 | 5,169 |
| Average earning assets | $70,727,000 | 5,162 |
| Average equity | $7,376,500 | 5,368 |
| Average total loans | $39,678,000 | 5,256 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4331% | 5,555 |
| Cost of funding earning assets | 0.4400% | 3,439 |
| Net interest margin | 2.9931% | 5,546 |
| Noninterest income to average assets | 0.6515% | 2,534 |
| Noninterest expense to average assets | 4.0485% | 721 |
| Loan and lease loss provision to assets | -0.4310% | 6,568 |
| Net operating income to assets | -0.0606% | 6,235 |
| Return on assets (ROA) | -0.0558% | 6,242 |
| Pretax return on assets | -0.2510% | 6,337 |
| Return on Equity (ROE) | -0.5972% | 6,251 |
| Retained earnings to average equity (ytd only) | -0.5972% | 5,795 |
| Net charge-offs to loans | -1.6178% | 6,594 |
| Credit loss provision to net charge-offs | 53.6278% | 2,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.5283% | 139 |
| Assets per employee ($millions) | 2.5488% | 6,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0342% | 367 |
| Loan loss allowance to noncurrent loans | 53.5667% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 2.9299% | 880 |
| Noncurrent loans to loans | 5.6644% | 299 |
| Net loans and leases to total assets | 49.5058% | 5,014 |
| Net loans and leases to deposits | 55.7470% | 5,212 |
| Net loans and leases to core deposits | 56.2618% | 5,392 |
| Total domestic deposits to total assets | 88.8044% | 1,466 |
| Equity capital to assets | 9.4896% | 4,761 |
| Core capital (leverage) ratio | 8.6589% | 5,461 |
| Tier 1 risk-based capital ratio | 15.7697% | 3,215 |
| Total risk-based capital ratio | 17.0754% | 3,117 |
| Memoranda: | ||
| Average total assets | $78,894,000 | 5,188 |
| Average earning assets | $71,364,330 | 5,197 |
| Average equity | $7,368,000 | 5,400 |
| Average total loans | $39,188,670 | 5,308 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4215% | 5,598 |
| Cost of funding earning assets | 0.4551% | 3,379 |
| Net interest margin | 2.9664% | 5,610 |
| Noninterest income to average assets | 0.5125% | 3,312 |
| Noninterest expense to average assets | 4.2672% | 567 |
| Loan and lease loss provision to assets | -0.9387% | 6,703 |
| Net operating income to assets | 0.0968% | 6,038 |
| Return on assets (ROA) | 0.1066% | 6,048 |
| Pretax return on assets | -0.1218% | 6,295 |
| Return on Equity (ROE) | 1.1502% | 6,004 |
| Retained earnings to average equity (ytd only) | 1.1502% | 5,144 |
| Net charge-offs to loans | -3.2839% | 6,674 |
| Credit loss provision to net charge-offs | 58.3596% | 2,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.7043% | 105 |
| Assets per employee ($millions) | 2.5722% | 6,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0716% | 399 |
| Loan loss allowance to noncurrent loans | 44.7944% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 4.8834% | 431 |
| Noncurrent loans to loans | 6.8572% | 231 |
| Net loans and leases to total assets | 47.8448% | 5,154 |
| Net loans and leases to deposits | 53.3610% | 5,344 |
| Net loans and leases to core deposits | 53.9267% | 5,506 |
| Total domestic deposits to total assets | 89.6625% | 1,269 |
| Equity capital to assets | 9.2464% | 4,817 |
| Core capital (leverage) ratio | 8.5368% | 5,596 |
| Tier 1 risk-based capital ratio | 15.7630% | 3,293 |
| Total risk-based capital ratio | 17.0692% | 3,225 |
| Memoranda: | ||
| Average total assets | $78,834,500 | 5,231 |
| Average earning assets | $71,197,500 | 5,250 |
| Average equity | $7,303,000 | 5,443 |
| Average total loans | $38,613,000 | 5,370 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7258% | 5,048 |
| Cost of funding earning assets | 0.5135% | 3,468 |
| Net interest margin | 3.2122% | 4,967 |
| Noninterest income to average assets | 0.9303% | 1,583 |
| Noninterest expense to average assets | 3.5360% | 1,578 |
| Loan and lease loss provision to assets | 0.5457% | 487 |
| Net operating income to assets | -0.1099% | 6,310 |
| Return on assets (ROA) | -0.1099% | 6,328 |
| Pretax return on assets | -0.2233% | 6,371 |
| Return on Equity (ROE) | -1.2260% | 6,339 |
| Retained earnings to average equity (ytd only) | -1.2260% | 6,091 |
| Net charge-offs to loans | 3.5362% | 52 |
| Credit loss provision to net charge-offs | 28.6700% | 4,276 |
| Earnings coverage of net charge-offs (x) | 0.1694% | 5,024 |
| Efficiency ratio | 91.6435% | 898 |
| Assets per employee ($millions) | 2.5139% | 6,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8442% | 565 |
| Loan loss allowance to noncurrent loans | 22.8420% | 6,114 |
| Noncurrent assets plus other real estate owned to assets | 6.2030% | 301 |
| Noncurrent loans to loans | 12.4518% | 64 |
| Net loans and leases to total assets | 47.2078% | 5,370 |
| Net loans and leases to deposits | 52.6445% | 5,577 |
| Net loans and leases to core deposits | 53.2148% | 5,720 |
| Total domestic deposits to total assets | 89.6728% | 1,236 |
| Equity capital to assets | 9.2814% | 4,710 |
| Core capital (leverage) ratio | 8.5355% | 5,625 |
| Tier 1 risk-based capital ratio | 16.2794% | 2,974 |
| Total risk-based capital ratio | 17.5893% | 2,895 |
| Memoranda: | ||
| Average total assets | $83,738,600 | 5,142 |
| Average earning assets | $76,333,000 | 5,140 |
| Average equity | $7,504,000 | 5,461 |
| Average total loans | $45,077,000 | 5,144 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8126% | 4,809 |
| Cost of funding earning assets | 0.5248% | 3,523 |
| Net interest margin | 3.2878% | 4,684 |
| Noninterest income to average assets | 1.0486% | 1,326 |
| Noninterest expense to average assets | 3.4604% | 1,695 |
| Loan and lease loss provision to assets | 0.5431% | 485 |
| Net operating income to assets | 0.0845% | 6,164 |
| Return on assets (ROA) | 0.0845% | 6,216 |
| Pretax return on assets | 0.0454% | 6,265 |
| Return on Equity (ROE) | 0.9509% | 6,192 |
| Retained earnings to average equity (ytd only) | 0.9509% | 5,601 |
| Net charge-offs to loans | 4.2348% | 38 |
| Credit loss provision to net charge-offs | 23.3042% | 4,012 |
| Earnings coverage of net charge-offs (x) | 0.2525% | 4,783 |
| Efficiency ratio | 85.4658% | 1,416 |
| Assets per employee ($millions) | 2.6536% | 6,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5645% | 872 |
| Loan loss allowance to noncurrent loans | 25.8562% | 6,111 |
| Noncurrent assets plus other real estate owned to assets | 5.1615% | 529 |
| Noncurrent loans to loans | 9.9184% | 138 |
| Net loans and leases to total assets | 49.5107% | 5,191 |
| Net loans and leases to deposits | 54.9820% | 5,455 |
| Net loans and leases to core deposits | 55.5807% | 5,662 |
| Total domestic deposits to total assets | 90.0490% | 965 |
| Equity capital to assets | 8.9603% | 5,234 |
| Core capital (leverage) ratio | 8.3859% | 5,872 |
| Tier 1 risk-based capital ratio | 15.9187% | 3,244 |
| Total risk-based capital ratio | 17.2226% | 3,161 |
| Memoranda: | ||
| Average total assets | $85,190,750 | 5,153 |
| Average earning assets | $77,739,500 | 5,144 |
| Average equity | $7,571,750 | 5,501 |
| Average total loans | $46,879,750 | 5,120 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9243% | 4,384 |
| Cost of funding earning assets | 0.5443% | 3,471 |
| Net interest margin | 3.3801% | 4,266 |
| Noninterest income to average assets | 0.4410% | 4,241 |
| Noninterest expense to average assets | 3.4120% | 1,795 |
| Loan and lease loss provision to assets | 0.2553% | 1,450 |
| Net operating income to assets | -0.0766% | 6,386 |
| Return on assets (ROA) | -0.0766% | 6,431 |
| Pretax return on assets | -0.1416% | 6,459 |
| Return on Equity (ROE) | -0.8640% | 6,444 |
| Retained earnings to average equity (ytd only) | -0.8640% | 6,025 |
| Net charge-offs to loans | 1.7911% | 263 |
| Credit loss provision to net charge-offs | 25.2874% | 3,657 |
| Earnings coverage of net charge-offs (x) | 0.1126% | 4,506 |
| Efficiency ratio | 96.7742% | 625 |
| Assets per employee ($millions) | 3.1481% | 5,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1635% | 222 |
| Loan loss allowance to noncurrent loans | 37.8481% | 5,720 |
| Noncurrent assets plus other real estate owned to assets | 6.5648% | 376 |
| Noncurrent loans to loans | 11.0007% | 117 |
| Net loans and leases to total assets | 51.1547% | 4,979 |
| Net loans and leases to deposits | 56.8349% | 5,261 |
| Net loans and leases to core deposits | 57.2450% | 5,504 |
| Total domestic deposits to total assets | 90.0058% | 1,018 |
| Equity capital to assets | 8.6895% | 5,565 |
| Core capital (leverage) ratio | 8.1868% | 6,023 |
| Tier 1 risk-based capital ratio | 14.8021% | 3,907 |
| Total risk-based capital ratio | 16.1189% | 3,829 |
| Memoranda: | ||
| Average total assets | $86,166,670 | 5,147 |
| Average earning assets | $78,637,330 | 5,147 |
| Average equity | $7,638,670 | 5,528 |
| Average total loans | $48,572,670 | 5,082 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1467% | 3,528 |
| Cost of funding earning assets | 0.5707% | 3,376 |
| Net interest margin | 3.5759% | 3,360 |
| Noninterest income to average assets | 0.4565% | 4,078 |
| Noninterest expense to average assets | 3.2738% | 2,145 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3597% | 5,309 |
| Return on assets (ROA) | 0.3597% | 5,447 |
| Pretax return on assets | 0.4473% | 5,422 |
| Return on Equity (ROE) | 4.0180% | 5,080 |
| Retained earnings to average equity (ytd only) | 4.0180% | 3,821 |
| Net charge-offs to loans | 0.5182% | 1,158 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.4923% | 3,333 |
| Efficiency ratio | 87.9802% | 1,332 |
| Assets per employee ($millions) | 3.5010% | 4,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4979% | 195 |
| Loan loss allowance to noncurrent loans | 30.5603% | 6,007 |
| Noncurrent assets plus other real estate owned to assets | 8.0344% | 311 |
| Noncurrent loans to loans | 14.7181% | 82 |
| Net loans and leases to total assets | 52.1331% | 4,687 |
| Net loans and leases to deposits | 57.8997% | 5,049 |
| Net loans and leases to core deposits | 58.3044% | 5,317 |
| Total domestic deposits to total assets | 90.0404% | 1,023 |
| Equity capital to assets | 8.8833% | 5,631 |
| Core capital (leverage) ratio | 8.8017% | 5,186 |
| Tier 1 risk-based capital ratio | 15.2704% | 3,672 |
| Total risk-based capital ratio | 16.6276% | 3,560 |
| Memoranda: | ||
| Average total assets | $86,750,500 | 5,178 |
| Average earning assets | $79,196,000 | 5,179 |
| Average equity | $7,765,000 | 5,560 |
| Average total loans | $50,174,000 | 5,052 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7143% | 2,540 |
| Cost of funding earning assets | 0.8476% | 2,308 |
| Net interest margin | 3.8668% | 2,960 |
| Noninterest income to average assets | 0.2510% | 5,671 |
| Noninterest expense to average assets | 3.4662% | 1,909 |
| Loan and lease loss provision to assets | 2.7277% | 47 |
| Net operating income to assets | -1.3936% | 6,838 |
| Return on assets (ROA) | -1.3086% | 6,830 |
| Pretax return on assets | -2.2881% | 6,961 |
| Return on Equity (ROE) | -13.6332% | 6,804 |
| Retained earnings to average equity (ytd only) | -13.6332% | 6,745 |
| Net charge-offs to loans | 2.1525% | 322 |
| Credit loss provision to net charge-offs | 207.7315% | 1,228 |
| Earnings coverage of net charge-offs (x) | 0.2336% | 5,357 |
| Efficiency ratio | 91.8687% | 929 |
| Assets per employee ($millions) | 2.9647% | 6,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2115% | 247 |
| Loan loss allowance to noncurrent loans | 45.3503% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 5.6783% | 647 |
| Noncurrent loans to loans | 9.2867% | 270 |
| Net loans and leases to total assets | 58.5692% | 3,866 |
| Net loans and leases to deposits | 65.3304% | 4,381 |
| Net loans and leases to core deposits | 65.7982% | 4,759 |
| Total domestic deposits to total assets | 89.6507% | 1,154 |
| Equity capital to assets | 9.0199% | 5,503 |
| Core capital (leverage) ratio | 8.7688% | 5,231 |
| Tier 1 risk-based capital ratio | 13.9880% | 4,395 |
| Total risk-based capital ratio | 15.3339% | 4,275 |
| Memoranda: | ||
| Average total assets | $89,636,600 | 5,096 |
| Average earning assets | $81,644,400 | 5,084 |
| Average equity | $8,604,000 | 5,334 |
| Average total loans | $54,681,600 | 4,910 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8348% | 2,262 |
| Cost of funding earning assets | 0.8575% | 2,479 |
| Net interest margin | 3.9773% | 2,593 |
| Noninterest income to average assets | 0.3696% | 4,876 |
| Noninterest expense to average assets | 3.3718% | 2,081 |
| Loan and lease loss provision to assets | 2.6504% | 55 |
| Net operating income to assets | -1.4332% | 6,956 |
| Return on assets (ROA) | -1.3119% | 6,949 |
| Pretax return on assets | -1.8553% | 7,012 |
| Return on Equity (ROE) | -13.4748% | 6,907 |
| Retained earnings to average equity (ytd only) | -13.4748% | 6,878 |
| Net charge-offs to loans | 0.0314% | 5,204 |
| Credit loss provision to net charge-offs | 13,846.1538% | 15 |
| Earnings coverage of net charge-offs (x) | 32.6209% | 1,022 |
| Efficiency ratio | 84.3773% | 1,547 |
| Assets per employee ($millions) | 2.7299% | 6,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0186% | 145 |
| Loan loss allowance to noncurrent loans | 60.7468% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 5.1501% | 855 |
| Noncurrent loans to loans | 8.2616% | 365 |
| Net loans and leases to total assets | 59.2099% | 3,930 |
| Net loans and leases to deposits | 67.1313% | 4,319 |
| Net loans and leases to core deposits | 67.8312% | 4,742 |
| Total domestic deposits to total assets | 88.2001% | 1,917 |
| Equity capital to assets | 9.2837% | 5,489 |
| Core capital (leverage) ratio | 8.9891% | 5,085 |
| Tier 1 risk-based capital ratio | 14.2984% | 4,332 |
| Total risk-based capital ratio | 15.6542% | 4,227 |
| Memoranda: | ||
| Average total assets | $90,551,500 | 5,121 |
| Average earning assets | $82,565,750 | 5,104 |
| Average equity | $8,816,250 | 5,322 |
| Average total loans | $55,209,500 | 4,943 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9302% | 1,989 |
| Cost of funding earning assets | 0.8908% | 2,476 |
| Net interest margin | 4.0394% | 2,341 |
| Noninterest income to average assets | 0.3362% | 5,141 |
| Noninterest expense to average assets | 3.2265% | 2,505 |
| Loan and lease loss provision to assets | 0.7510% | 697 |
| Net operating income to assets | -0.0472% | 6,378 |
| Return on assets (ROA) | 0.1135% | 6,291 |
| Pretax return on assets | 0.3122% | 5,942 |
| Return on Equity (ROE) | 1.1490% | 6,270 |
| Retained earnings to average equity (ytd only) | 1.1490% | 5,611 |
| Net charge-offs to loans | 0.0505% | 4,695 |
| Credit loss provision to net charge-offs | 2,457.1429% | 125 |
| Earnings coverage of net charge-offs (x) | 26.5714% | 1,161 |
| Efficiency ratio | 79.8919% | 2,201 |
| Assets per employee ($millions) | 2.8801% | 6,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4274% | 1,376 |
| Loan loss allowance to noncurrent loans | 46.6886% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 3.0611% | 1,791 |
| Noncurrent loans to loans | 5.1991% | 923 |
| Net loans and leases to total assets | 57.4477% | 4,253 |
| Net loans and leases to deposits | 65.1480% | 4,624 |
| Net loans and leases to core deposits | 65.9149% | 5,016 |
| Total domestic deposits to total assets | 88.1803% | 2,027 |
| Equity capital to assets | 10.1329% | 4,144 |
| Core capital (leverage) ratio | 9.7116% | 3,817 |
| Tier 1 risk-based capital ratio | 16.2719% | 3,019 |
| Total risk-based capital ratio | 17.6061% | 2,952 |
| Memoranda: | ||
| Average total assets | $91,616,330 | 5,116 |
| Average earning assets | $83,972,330 | 5,102 |
| Average equity | $9,051,670 | 5,253 |
| Average total loans | $55,460,330 | 4,971 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1086% | 1,549 |
| Cost of funding earning assets | 0.9323% | 2,421 |
| Net interest margin | 4.1763% | 1,831 |
| Noninterest income to average assets | 0.2630% | 5,767 |
| Noninterest expense to average assets | 3.1170% | 2,857 |
| Loan and lease loss provision to assets | 0.8536% | 539 |
| Net operating income to assets | -0.0371% | 6,468 |
| Return on assets (ROA) | 0.2802% | 5,887 |
| Pretax return on assets | 0.6122% | 5,074 |
| Return on Equity (ROE) | 2.8717% | 5,761 |
| Retained earnings to average equity (ytd only) | 2.8717% | 4,814 |
| Net charge-offs to loans | 0.0984% | 3,549 |
| Credit loss provision to net charge-offs | 1,414.2857% | 246 |
| Earnings coverage of net charge-offs (x) | 16.0714% | 1,384 |
| Efficiency ratio | 76.2658% | 2,750 |
| Assets per employee ($millions) | 3.0966% | 5,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9798% | 2,423 |
| Loan loss allowance to noncurrent loans | 265.2582% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.4586% | 5,711 |
| Noncurrent loans to loans | 0.7464% | 5,173 |
| Net loans and leases to total assets | 60.2248% | 3,618 |
| Net loans and leases to deposits | 67.9537% | 4,067 |
| Net loans and leases to core deposits | 69.2396% | 4,534 |
| Total domestic deposits to total assets | 88.6261% | 1,938 |
| Equity capital to assets | 9.7527% | 4,453 |
| Core capital (leverage) ratio | 9.4841% | 4,072 |
| Tier 1 risk-based capital ratio | 14.9439% | 3,794 |
| Total risk-based capital ratio | 16.2619% | 3,714 |
| Memoranda: | ||
| Average total assets | $92,783,000 | 5,133 |
| Average earning assets | $84,955,500 | 5,116 |
| Average equity | $9,054,000 | 5,268 |
| Average total loans | $56,907,000 | 4,949 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5837% | 987 |
| Cost of funding earning assets | 1.2454% | 1,762 |
| Net interest margin | 4.3383% | 1,580 |
| Noninterest income to average assets | 0.3847% | 4,748 |
| Noninterest expense to average assets | 3.3427% | 2,381 |
| Loan and lease loss provision to assets | 0.2004% | 4,184 |
| Net operating income to assets | 0.5466% | 4,249 |
| Return on assets (ROA) | 0.5466% | 4,440 |
| Pretax return on assets | 0.8102% | 3,942 |
| Return on Equity (ROE) | 5.8671% | 3,937 |
| Retained earnings to average equity (ytd only) | 5.8671% | 2,097 |
| Net charge-offs to loans | 0.4047% | 3,398 |
| Credit loss provision to net charge-offs | 74.5020% | 4,688 |
| Earnings coverage of net charge-offs (x) | 3.7570% | 3,403 |
| Efficiency ratio | 76.7848% | 2,774 |
| Assets per employee ($millions) | 3.1955% | 5,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6673% | 3,313 |
| Loan loss allowance to noncurrent loans | 223.6407% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.4565% | 5,827 |
| Noncurrent loans to loans | 0.7455% | 5,208 |
| Net loans and leases to total assets | 60.2046% | 3,952 |
| Net loans and leases to deposits | 68.1018% | 4,435 |
| Net loans and leases to core deposits | 69.8287% | 4,797 |
| Total domestic deposits to total assets | 88.4039% | 1,905 |
| Equity capital to assets | 9.7638% | 4,489 |
| Core capital (leverage) ratio | 9.5021% | 4,023 |
| Tier 1 risk-based capital ratio | 14.9992% | 3,641 |
| Total risk-based capital ratio | 16.3166% | 3,561 |
| Memoranda: | ||
| Average total assets | $93,309,000 | 5,086 |
| Average earning assets | $85,355,800 | 5,078 |
| Average equity | $8,692,600 | 5,364 |
| Average total loans | $62,013,800 | 4,793 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5884% | 1,058 |
| Cost of funding earning assets | 1.3210% | 1,591 |
| Net interest margin | 4.2674% | 1,839 |
| Noninterest income to average assets | 0.4636% | 4,186 |
| Noninterest expense to average assets | 3.3522% | 2,342 |
| Loan and lease loss provision to assets | 0.1526% | 4,551 |
| Net operating income to assets | 0.5663% | 4,240 |
| Return on assets (ROA) | 0.5663% | 4,410 |
| Pretax return on assets | 0.8573% | 3,921 |
| Return on Equity (ROE) | 6.1522% | 3,951 |
| Retained earnings to average equity (ytd only) | 6.1522% | 2,461 |
| Net charge-offs to loans | 0.2084% | 4,130 |
| Credit loss provision to net charge-offs | 108.0808% | 3,057 |
| Earnings coverage of net charge-offs (x) | 7.1514% | 2,414 |
| Efficiency ratio | 76.8476% | 2,699 |
| Assets per employee ($millions) | 3.0076% | 6,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7179% | 3,208 |
| Loan loss allowance to noncurrent loans | 215.2220% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.5073% | 5,818 |
| Noncurrent loans to loans | 0.7982% | 5,276 |
| Net loans and leases to total assets | 62.4645% | 3,617 |
| Net loans and leases to deposits | 70.7148% | 4,183 |
| Net loans and leases to core deposits | 72.4946% | 4,651 |
| Total domestic deposits to total assets | 88.3330% | 1,852 |
| Equity capital to assets | 9.5820% | 4,955 |
| Core capital (leverage) ratio | 9.3371% | 4,401 |
| Tier 1 risk-based capital ratio | 14.1149% | 4,271 |
| Total risk-based capital ratio | 15.4260% | 4,183 |
| Memoranda: | ||
| Average total assets | $93,469,000 | 5,122 |
| Average earning assets | $85,388,500 | 5,110 |
| Average equity | $8,603,750 | 5,408 |
| Average total loans | $63,333,000 | 4,787 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5926% | 1,085 |
| Cost of funding earning assets | 1.3870% | 1,470 |
| Net interest margin | 4.2056% | 2,011 |
| Noninterest income to average assets | 0.5944% | 3,177 |
| Noninterest expense to average assets | 3.4614% | 2,090 |
| Loan and lease loss provision to assets | 0.1881% | 4,035 |
| Net operating income to assets | 0.5309% | 4,374 |
| Return on assets (ROA) | 0.5324% | 4,514 |
| Pretax return on assets | 0.7911% | 4,063 |
| Return on Equity (ROE) | 5.8632% | 4,032 |
| Retained earnings to average equity (ytd only) | 5.8632% | 2,509 |
| Net charge-offs to loans | 0.1639% | 4,191 |
| Credit loss provision to net charge-offs | 166.0377% | 1,831 |
| Earnings coverage of net charge-offs (x) | 8.6226% | 2,032 |
| Efficiency ratio | 77.9865% | 2,714 |
| Assets per employee ($millions) | 2.8312% | 6,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6823% | 3,383 |
| Loan loss allowance to noncurrent loans | 110.2321% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 1.0147% | 4,847 |
| Noncurrent loans to loans | 1.5261% | 4,131 |
| Net loans and leases to total assets | 65.3680% | 3,169 |
| Net loans and leases to deposits | 74.1027% | 3,794 |
| Net loans and leases to core deposits | 75.9608% | 4,321 |
| Total domestic deposits to total assets | 88.2127% | 2,007 |
| Equity capital to assets | 9.2892% | 5,157 |
| Core capital (leverage) ratio | 9.1366% | 4,507 |
| Tier 1 risk-based capital ratio | 13.1586% | 4,796 |
| Total risk-based capital ratio | 14.4592% | 4,739 |
| Memoranda: | ||
| Average total assets | $93,546,330 | 5,149 |
| Average earning assets | $85,506,000 | 5,138 |
| Average equity | $8,493,670 | 5,458 |
| Average total loans | $64,691,330 | 4,764 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6116% | 1,034 |
| Cost of funding earning assets | 1.4369% | 1,444 |
| Net interest margin | 4.1747% | 1,982 |
| Noninterest income to average assets | 0.7478% | 2,266 |
| Noninterest expense to average assets | 3.3973% | 2,288 |
| Loan and lease loss provision to assets | 0.1068% | 4,675 |
| Net operating income to assets | 0.7490% | 3,278 |
| Return on assets (ROA) | 0.7521% | 3,328 |
| Pretax return on assets | 1.0470% | 2,957 |
| Return on Equity (ROE) | 8.3800% | 2,747 |
| Retained earnings to average equity (ytd only) | 8.3800% | 1,593 |
| Net charge-offs to loans | 0.0121% | 4,913 |
| Credit loss provision to net charge-offs | 1,250.0000% | 315 |
| Earnings coverage of net charge-offs (x) | 134.5000% | 236 |
| Efficiency ratio | 74.7180% | 3,387 |
| Assets per employee ($millions) | 2.8325% | 6,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5742% | 3,850 |
| Loan loss allowance to noncurrent loans | 111.1948% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 1.7866% | 3,592 |
| Noncurrent loans to loans | 1.4157% | 4,344 |
| Net loans and leases to total assets | 69.0962% | 2,306 |
| Net loans and leases to deposits | 78.3918% | 2,994 |
| Net loans and leases to core deposits | 81.5925% | 3,516 |
| Total domestic deposits to total assets | 88.1422% | 2,295 |
| Equity capital to assets | 9.1063% | 5,036 |
| Core capital (leverage) ratio | 8.9742% | 4,655 |
| Tier 1 risk-based capital ratio | 12.0362% | 5,659 |
| Total risk-based capital ratio | 13.3257% | 5,616 |
| Memoranda: | ||
| Average total assets | $93,604,000 | 5,183 |
| Average earning assets | $85,180,500 | 5,181 |
| Average equity | $8,401,000 | 5,492 |
| Average total loans | $65,977,500 | 4,768 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9757% | 887 |
| Cost of funding earning assets | 1.6819% | 1,678 |
| Net interest margin | 4.2938% | 1,837 |
| Noninterest income to average assets | 0.3126% | 5,556 |
| Noninterest expense to average assets | 3.2283% | 2,985 |
| Loan and lease loss provision to assets | 1.0266% | 1,575 |
| Net operating income to assets | 0.0471% | 5,706 |
| Return on assets (ROA) | 0.0491% | 5,843 |
| Pretax return on assets | -0.0105% | 5,911 |
| Return on Equity (ROE) | 0.5636% | 5,818 |
| Retained earnings to average equity (ytd only) | 0.5636% | 5,296 |
| Net charge-offs to loans | 1.5953% | 1,366 |
| Credit loss provision to net charge-offs | 89.2727% | 5,157 |
| Earnings coverage of net charge-offs (x) | 0.8809% | 5,245 |
| Efficiency ratio | 76.1154% | 3,041 |
| Assets per employee ($millions) | 3.1245% | 5,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5226% | 3,884 |
| Loan loss allowance to noncurrent loans | 115.0342% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 1.7262% | 3,710 |
| Noncurrent loans to loans | 1.3236% | 4,507 |
| Net loans and leases to total assets | 69.6919% | 2,604 |
| Net loans and leases to deposits | 78.7333% | 3,380 |
| Net loans and leases to core deposits | 81.1592% | 4,032 |
| Total domestic deposits to total assets | 88.5164% | 1,936 |
| Equity capital to assets | 8.8442% | 5,368 |
| Core capital (leverage) ratio | 8.7688% | 4,903 |
| Tier 1 risk-based capital ratio | 11.5911% | 5,829 |
| Total risk-based capital ratio | 12.8804% | 5,794 |
| Memoranda: | ||
| Average total assets | $95,654,400 | 5,106 |
| Average earning assets | $87,521,400 | 5,097 |
| Average equity | $8,339,200 | 5,604 |
| Average total loans | $68,950,800 | 4,720 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8543% | 1,246 |
| Cost of funding earning assets | 1.7395% | 1,677 |
| Net interest margin | 4.1148% | 2,552 |
| Noninterest income to average assets | 0.4882% | 4,276 |
| Noninterest expense to average assets | 3.1622% | 3,060 |
| Loan and lease loss provision to assets | 1.2593% | 1,120 |
| Net operating income to assets | -0.1387% | 6,230 |
| Return on assets (ROA) | -0.1387% | 6,314 |
| Pretax return on assets | -0.1637% | 6,289 |
| Return on Equity (ROE) | -1.5965% | 6,353 |
| Retained earnings to average equity (ytd only) | -1.5965% | 6,114 |
| Net charge-offs to loans | 1.9270% | 985 |
| Credit loss provision to net charge-offs | 90.2584% | 4,751 |
| Earnings coverage of net charge-offs (x) | 0.7853% | 5,264 |
| Efficiency ratio | 74.2671% | 3,275 |
| Assets per employee ($millions) | 3.0201% | 6,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5138% | 3,902 |
| Loan loss allowance to noncurrent loans | 33.1830% | 6,116 |
| Noncurrent assets plus other real estate owned to assets | 3.3154% | 2,146 |
| Noncurrent loans to loans | 4.5620% | 1,573 |
| Net loans and leases to total assets | 71.5754% | 2,343 |
| Net loans and leases to deposits | 81.2195% | 3,233 |
| Net loans and leases to core deposits | 85.2460% | 3,761 |
| Total domestic deposits to total assets | 88.1258% | 1,885 |
| Equity capital to assets | 8.8557% | 5,767 |
| Core capital (leverage) ratio | 8.4097% | 5,683 |
| Tier 1 risk-based capital ratio | 11.0997% | 6,283 |
| Total risk-based capital ratio | 12.3852% | 6,245 |
| Memoranda: | ||
| Average total assets | $96,134,500 | 5,155 |
| Average earning assets | $88,070,500 | 5,141 |
| Average equity | $8,351,500 | 5,675 |
| Average total loans | $69,604,750 | 4,771 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6872% | 1,815 |
| Cost of funding earning assets | 1.7899% | 1,684 |
| Net interest margin | 3.8973% | 3,461 |
| Noninterest income to average assets | 0.4888% | 4,203 |
| Noninterest expense to average assets | 3.0916% | 3,359 |
| Loan and lease loss provision to assets | 0.3692% | 3,492 |
| Net operating income to assets | 0.4269% | 4,630 |
| Return on assets (ROA) | 0.4269% | 4,792 |
| Pretax return on assets | 0.5981% | 4,569 |
| Return on Equity (ROE) | 4.9452% | 4,314 |
| Retained earnings to average equity (ytd only) | 4.9452% | 2,939 |
| Net charge-offs to loans | 1.6684% | 1,128 |
| Credit loss provision to net charge-offs | 30.5983% | 5,724 |
| Earnings coverage of net charge-offs (x) | 0.8017% | 4,970 |
| Efficiency ratio | 76.1687% | 3,043 |
| Assets per employee ($millions) | 3.1147% | 5,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0395% | 6,233 |
| Loan loss allowance to noncurrent loans | 30.3107% | 6,346 |
| Noncurrent assets plus other real estate owned to assets | 2.3899% | 3,012 |
| Noncurrent loans to loans | 3.4294% | 2,318 |
| Net loans and leases to total assets | 68.9653% | 3,139 |
| Net loans and leases to deposits | 77.7823% | 4,021 |
| Net loans and leases to core deposits | 81.3610% | 4,506 |
| Total domestic deposits to total assets | 88.6645% | 1,632 |
| Equity capital to assets | 8.5443% | 6,109 |
| Core capital (leverage) ratio | 8.4962% | 5,413 |
| Tier 1 risk-based capital ratio | 11.2736% | 5,971 |
| Total risk-based capital ratio | 12.2380% | 6,235 |
| Memoranda: | ||
| Average total assets | $96,971,670 | 5,165 |
| Average earning assets | $88,830,330 | 5,140 |
| Average equity | $8,371,670 | 5,675 |
| Average total loans | $70,126,000 | 4,789 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7217% | 1,697 |
| Cost of funding earning assets | 1.8237% | 1,779 |
| Net interest margin | 3.8981% | 3,336 |
| Noninterest income to average assets | 0.5605% | 3,558 |
| Noninterest expense to average assets | 3.1206% | 3,182 |
| Loan and lease loss provision to assets | 0.2510% | 4,035 |
| Net operating income to assets | 0.5647% | 4,056 |
| Return on assets (ROA) | 0.5647% | 4,202 |
| Pretax return on assets | 0.7655% | 4,007 |
| Return on Equity (ROE) | 6.5064% | 3,617 |
| Retained earnings to average equity (ytd only) | 6.5064% | 2,361 |
| Net charge-offs to loans | 0.1249% | 4,222 |
| Credit loss provision to net charge-offs | 272.7273% | 1,451 |
| Earnings coverage of net charge-offs (x) | 11.0455% | 1,686 |
| Efficiency ratio | 75.4297% | 3,317 |
| Assets per employee ($millions) | 3.3575% | 5,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6205% | 3,364 |
| Loan loss allowance to noncurrent loans | 86.1789% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 1.3896% | 4,425 |
| Noncurrent loans to loans | 1.8803% | 3,950 |
| Net loans and leases to total assets | 72.7033% | 2,282 |
| Net loans and leases to deposits | 82.8252% | 3,136 |
| Net loans and leases to core deposits | 87.5094% | 3,679 |
| Total domestic deposits to total assets | 87.7792% | 2,193 |
| Equity capital to assets | 8.6179% | 5,846 |
| Core capital (leverage) ratio | 8.7534% | 4,936 |
| Tier 1 risk-based capital ratio | 10.7615% | 6,383 |
| Total risk-based capital ratio | 12.0449% | 6,329 |
| Memoranda: | ||
| Average total assets | $95,623,000 | 5,272 |
| Average earning assets | $87,736,000 | 5,248 |
| Average equity | $8,299,500 | 5,739 |
| Average total loans | $70,459,500 | 4,835 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0910% | 1,541 |
| Cost of funding earning assets | 2.2749% | 1,753 |
| Net interest margin | 3.8161% | 3,638 |
| Noninterest income to average assets | 0.5102% | 4,331 |
| Noninterest expense to average assets | 3.3194% | 2,953 |
| Loan and lease loss provision to assets | 0.8070% | 2,714 |
| Net operating income to assets | -0.0417% | 5,568 |
| Return on assets (ROA) | 0.0561% | 5,373 |
| Pretax return on assets | -0.0033% | 5,448 |
| Return on Equity (ROE) | 0.6014% | 5,358 |
| Retained earnings to average equity (ytd only) | -1.1674% | 5,302 |
| Net charge-offs to loans | 0.2580% | 5,006 |
| Credit loss provision to net charge-offs | 431.7647% | 724 |
| Earnings coverage of net charge-offs (x) | 3.4824% | 3,328 |
| Efficiency ratio | 83.6056% | 2,401 |
| Assets per employee ($millions) | 3.0284% | 6,150 |
| Cash dividends to net income (ytd only)* | 294.1176% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6356% | 3,147 |
| Loan loss allowance to noncurrent loans | 107.2243% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 1.1206% | 4,849 |
| Noncurrent loans to loans | 1.5254% | 4,360 |
| Net loans and leases to total assets | 72.2590% | 2,689 |
| Net loans and leases to deposits | 82.6371% | 3,512 |
| Net loans and leases to core deposits | 97.9058% | 4,229 |
| Total domestic deposits to total assets | 87.4413% | 2,248 |
| Equity capital to assets | 8.7432% | 5,524 |
| Core capital (leverage) ratio | 8.7700% | 4,809 |
| Tier 1 risk-based capital ratio | 10.5782% | 6,313 |
| Total risk-based capital ratio | 11.8605% | 6,267 |
| Memoranda: | ||
| Average total assets | $90,950,000 | 5,364 |
| Average earning assets | $82,466,000 | 5,382 |
| Average equity | $8,480,400 | 5,770 |
| Average total loans | $65,885,200 | 5,023 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1429% | 1,514 |
| Cost of funding earning assets | 2.3631% | 1,762 |
| Net interest margin | 3.7797% | 3,740 |
| Noninterest income to average assets | 0.4907% | 4,569 |
| Noninterest expense to average assets | 3.1951% | 3,316 |
| Loan and lease loss provision to assets | 0.1404% | 5,955 |
| Net operating income to assets | 0.4434% | 4,222 |
| Return on assets (ROA) | 0.4434% | 4,328 |
| Pretax return on assets | 0.5778% | 4,264 |
| Return on Equity (ROE) | 4.6791% | 4,089 |
| Retained earnings to average equity (ytd only) | 4.6791% | 2,665 |
| Net charge-offs to loans | 0.0123% | 6,752 |
| Credit loss provision to net charge-offs | 1,583.3333% | 245 |
| Earnings coverage of net charge-offs (x) | 80.9975% | 416 |
| Efficiency ratio | 81.6465% | 2,629 |
| Assets per employee ($millions) | 3.0290% | 6,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9742% | 6,421 |
| Loan loss allowance to noncurrent loans | 51.3365% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 1.3998% | 4,301 |
| Noncurrent loans to loans | 1.8977% | 3,778 |
| Net loans and leases to total assets | 73.0436% | 2,779 |
| Net loans and leases to deposits | 85.0556% | 3,487 |
| Net loans and leases to core deposits | 100.2447% | 4,346 |
| Total domestic deposits to total assets | 85.8775% | 2,764 |
| Equity capital to assets | 9.6381% | 4,573 |
| Core capital (leverage) ratio | 9.5083% | 3,899 |
| Tier 1 risk-based capital ratio | 11.3725% | 5,569 |
| Total risk-based capital ratio | 12.2327% | 5,938 |
| Memoranda: | ||
| Average total assets | $90,217,750 | 5,420 |
| Average earning assets | $81,697,000 | 5,430 |
| Average equity | $8,548,500 | 5,805 |
| Average total loans | $65,115,500 | 5,103 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1822% | 1,517 |
| Cost of funding earning assets | 2.4808% | 1,676 |
| Net interest margin | 3.7015% | 3,945 |
| Noninterest income to average assets | 0.4978% | 4,462 |
| Noninterest expense to average assets | 3.2222% | 3,262 |
| Loan and lease loss provision to assets | 0.1267% | 5,842 |
| Net operating income to assets | 0.4022% | 4,505 |
| Return on assets (ROA) | 0.4022% | 4,619 |
| Pretax return on assets | 0.4844% | 4,672 |
| Return on Equity (ROE) | 4.2695% | 4,388 |
| Retained earnings to average equity (ytd only) | 4.2695% | 2,928 |
| Net charge-offs to loans | 0.0186% | 6,259 |
| Credit loss provision to net charge-offs | 950.0000% | 511 |
| Earnings coverage of net charge-offs (x) | 45.8333% | 733 |
| Efficiency ratio | 84.0580% | 2,464 |
| Assets per employee ($millions) | 3.0275% | 6,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9521% | 6,541 |
| Loan loss allowance to noncurrent loans | 48.8095% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 1.3873% | 4,187 |
| Noncurrent loans to loans | 1.9507% | 3,592 |
| Net loans and leases to total assets | 70.4388% | 3,601 |
| Net loans and leases to deposits | 82.8576% | 4,071 |
| Net loans and leases to core deposits | 95.8571% | 4,922 |
| Total domestic deposits to total assets | 85.0118% | 3,255 |
| Equity capital to assets | 9.4181% | 4,721 |
| Core capital (leverage) ratio | 9.4018% | 4,023 |
| Tier 1 risk-based capital ratio | 11.4573% | 5,436 |
| Total risk-based capital ratio | 12.2849% | 5,762 |
| Memoranda: | ||
| Average total assets | $90,000,670 | 5,457 |
| Average earning assets | $81,103,330 | 5,494 |
| Average equity | $8,478,670 | 5,852 |
| Average total loans | $64,478,330 | 5,159 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7835% | 3,387 |
| Cost of funding earning assets | 2.6333% | 1,469 |
| Net interest margin | 3.1501% | 6,019 |
| Noninterest income to average assets | 0.4688% | 4,601 |
| Noninterest expense to average assets | 3.1700% | 3,113 |
| Loan and lease loss provision to assets | 0.1295% | 5,298 |
| Net operating income to assets | 0.0357% | 6,175 |
| Return on assets (ROA) | 0.0357% | 6,326 |
| Pretax return on assets | 0.0268% | 6,328 |
| Return on Equity (ROE) | 0.3791% | 6,313 |
| Retained earnings to average equity (ytd only) | 0.3791% | 5,505 |
| Net charge-offs to loans | 0.0373% | 4,986 |
| Credit loss provision to net charge-offs | 483.3333% | 1,115 |
| Earnings coverage of net charge-offs (x) | 5.8333% | 2,597 |
| Efficiency ratio | 95.3020% | 1,361 |
| Assets per employee ($millions) | 3.1000% | 5,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9084% | 6,709 |
| Loan loss allowance to noncurrent loans | 46.0031% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 1.4193% | 3,811 |
| Noncurrent loans to loans | 1.9747% | 3,296 |
| Net loans and leases to total assets | 71.2217% | 3,421 |
| Net loans and leases to deposits | 83.9284% | 3,997 |
| Net loans and leases to core deposits | 96.4031% | 4,918 |
| Total domestic deposits to total assets | 84.8600% | 3,272 |
| Equity capital to assets | 9.3881% | 4,822 |
| Core capital (leverage) ratio | 9.3151% | 4,222 |
| Tier 1 risk-based capital ratio | 10.9088% | 5,981 |
| Total risk-based capital ratio | 11.6765% | 6,379 |
| Memoranda: | ||
| Average total assets | $89,588,500 | 5,501 |
| Average earning assets | $81,266,000 | 5,511 |
| Average equity | $8,441,000 | 5,905 |
| Average total loans | $64,422,000 | 5,188 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3982% | 3,429 |
| Cost of funding earning assets | 2.9444% | 2,076 |
| Net interest margin | 3.4538% | 5,454 |
| Noninterest income to average assets | 0.6560% | 3,426 |
| Noninterest expense to average assets | 3.5225% | 2,333 |
| Loan and lease loss provision to assets | 0.1402% | 5,561 |
| Net operating income to assets | 0.1616% | 5,954 |
| Return on assets (ROA) | 0.2115% | 5,631 |
| Pretax return on assets | 0.1450% | 5,852 |
| Return on Equity (ROE) | 2.0904% | 5,584 |
| Retained earnings to average equity (ytd only) | -2.5837% | 6,013 |
| Net charge-offs to loans | 0.0186% | 6,605 |
| Credit loss provision to net charge-offs | 1,072.7273% | 415 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,730 |
| Efficiency ratio | 93.7381% | 1,290 |
| Assets per employee ($millions) | 3.0785% | 5,837 |
| Cash dividends to net income (ytd only)* | 223.5955% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8781% | 6,782 |
| Loan loss allowance to noncurrent loans | 43.0534% | 5,861 |
| Noncurrent assets plus other real estate owned to assets | 1.4674% | 3,287 |
| Noncurrent loans to loans | 2.0396% | 2,711 |
| Net loans and leases to total assets | 71.3114% | 3,727 |
| Net loans and leases to deposits | 84.7813% | 4,295 |
| Net loans and leases to core deposits | 96.6627% | 5,189 |
| Total domestic deposits to total assets | 84.1122% | 3,268 |
| Equity capital to assets | 9.4561% | 4,747 |
| Core capital (leverage) ratio | 9.6742% | 3,804 |
| Tier 1 risk-based capital ratio | 10.6463% | 6,053 |
| Total risk-based capital ratio | 11.3669% | 6,471 |
| Memoranda: | ||
| Average total assets | $84,144,400 | 5,557 |
| Average earning assets | $75,568,200 | 5,606 |
| Average equity | $8,515,000 | 5,903 |
| Average total loans | $58,998,600 | 5,315 |