Home > Premier Community Bank of Florida > Performance and Condition Ratios
Premier Community Bank of Florida, Performance and Condition Ratios
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7051% | 1,494 |
| Cost of funding earning assets | 0.6766% | 1,764 |
| Net interest margin | 4.0285% | 1,768 |
| Noninterest income to average assets | 0.2681% | 4,393 |
| Noninterest expense to average assets | 5.7307% | 154 |
| Loan and lease loss provision to assets | 0.0961% | 2,008 |
| Net operating income to assets | -1.5667% | 5,497 |
| Return on assets (ROA) | -2.5085% | 5,511 |
| Pretax return on assets | -3.2300% | 5,517 |
| Return on Equity (ROE) | -22.7116% | 5,511 |
| Retained earnings to average equity (ytd only) | -22.7116% | 5,499 |
| Net charge-offs to loans | 0.4923% | 310 |
| Credit loss provision to net charge-offs | 27.5000% | 2,642 |
| Earnings coverage of net charge-offs (x) | -5.5575% | 3,175 |
| Efficiency ratio | 151.2448% | 30 |
| Assets per employee ($millions) | 6.3304% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7002% | 4,943 |
| Loan loss allowance to noncurrent loans | 404.9834% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 4,390 |
| Noncurrent loans to loans | 0.1729% | 4,133 |
| Net loans and leases to total assets | 70.0260% | 2,578 |
| Net loans and leases to deposits | 84.5480% | 2,472 |
| Net loans and leases to core deposits | 88.4443% | 2,682 |
| Total domestic deposits to total assets | 82.8239% | 3,459 |
| Equity capital to assets | 9.5749% | 4,033 |
| Core capital (leverage) ratio | 9.7691% | 3,820 |
| Tier 1 risk-based capital ratio | 12.0149% | 4,484 |
| Total risk-based capital ratio | 12.6400% | 4,748 |
| Memoranda: | ||
| Average total assets | $228,977,330 | 2,647 |
| Average earning assets | $200,123,000 | 2,758 |
| Average equity | $25,291,000 | 2,647 |
| Average total loans | $162,489,330 | 2,526 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5955% | 1,589 |
| Cost of funding earning assets | 0.6987% | 1,455 |
| Net interest margin | 3.8968% | 2,057 |
| Noninterest income to average assets | 0.4836% | 2,909 |
| Noninterest expense to average assets | 3.2760% | 1,393 |
| Loan and lease loss provision to assets | 0.1473% | 1,245 |
| Net operating income to assets | 0.4709% | 4,763 |
| Return on assets (ROA) | 0.4709% | 4,764 |
| Pretax return on assets | 0.5890% | 4,712 |
| Return on Equity (ROE) | 3.9668% | 4,769 |
| Retained earnings to average equity (ytd only) | 3.9668% | 3,603 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6493% | 987 |
| Assets per employee ($millions) | 5.8260% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9876% | 4,031 |
| Loan loss allowance to noncurrent loans | 226.8188% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2935% | 3,683 |
| Noncurrent loans to loans | 0.4354% | 3,223 |
| Net loans and leases to total assets | 66.7332% | 2,934 |
| Net loans and leases to deposits | 82.0000% | 2,597 |
| Net loans and leases to core deposits | 93.0131% | 2,210 |
| Total domestic deposits to total assets | 81.3820% | 4,119 |
| Equity capital to assets | 10.8823% | 2,697 |
| Core capital (leverage) ratio | 11.7407% | 1,822 |
| Tier 1 risk-based capital ratio | 15.2222% | 2,777 |
| Total risk-based capital ratio | 16.1359% | 2,860 |
| Memoranda: | ||
| Average total assets | $220,024,000 | 2,757 |
| Average earning assets | $199,239,000 | 2,797 |
| Average equity | $26,117,000 | 2,602 |
| Average total loans | $156,683,000 | 2,609 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6190% | 1,374 |
| Cost of funding earning assets | 0.6469% | 1,314 |
| Net interest margin | 3.9721% | 1,837 |
| Noninterest income to average assets | 0.2306% | 4,755 |
| Noninterest expense to average assets | 3.2873% | 1,404 |
| Loan and lease loss provision to assets | 0.1867% | 1,137 |
| Net operating income to assets | 0.2025% | 5,102 |
| Return on assets (ROA) | 0.2025% | 5,120 |
| Pretax return on assets | 0.4033% | 5,084 |
| Return on Equity (ROE) | 1.3965% | 5,170 |
| Retained earnings to average equity (ytd only) | 1.3965% | 4,447 |
| Net charge-offs to loans | 0.0272% | 3,266 |
| Credit loss provision to net charge-offs | 922.2222% | 385 |
| Earnings coverage of net charge-offs (x) | 29.1389% | 1,578 |
| Efficiency ratio | 84.7839% | 710 |
| Assets per employee ($millions) | 5.2943% | 2,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9903% | 4,001 |
| Loan loss allowance to noncurrent loans | 94.1948% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 0.7963% | 1,958 |
| Noncurrent loans to loans | 1.0514% | 1,688 |
| Net loans and leases to total assets | 74.9888% | 1,753 |
| Net loans and leases to deposits | 93.3281% | 1,353 |
| Net loans and leases to core deposits | 106.5138% | 1,234 |
| Total domestic deposits to total assets | 80.3496% | 4,273 |
| Equity capital to assets | 13.0429% | 1,245 |
| Core capital (leverage) ratio | 13.4024% | 1,006 |
| Tier 1 risk-based capital ratio | 16.4589% | 2,284 |
| Total risk-based capital ratio | 17.4046% | 2,318 |
| Memoranda: | ||
| Average total assets | $177,803,200 | 3,146 |
| Average earning assets | $163,240,000 | 3,160 |
| Average equity | $25,778,600 | 2,620 |
| Average total loans | $132,449,400 | 2,884 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5717% | 1,444 |
| Cost of funding earning assets | 0.6527% | 1,219 |
| Net interest margin | 3.9189% | 1,973 |
| Noninterest income to average assets | 0.1163% | 5,414 |
| Noninterest expense to average assets | 3.3302% | 1,281 |
| Loan and lease loss provision to assets | 0.0930% | 2,226 |
| Net operating income to assets | 0.2373% | 5,315 |
| Return on assets (ROA) | 0.2373% | 5,331 |
| Pretax return on assets | 0.2915% | 5,316 |
| Return on Equity (ROE) | 1.5898% | 5,365 |
| Retained earnings to average equity (ytd only) | 1.5898% | 4,794 |
| Net charge-offs to loans | 0.0377% | 2,687 |
| Credit loss provision to net charge-offs | 333.3333% | 894 |
| Earnings coverage of net charge-offs (x) | 13.7775% | 2,338 |
| Efficiency ratio | 89.6473% | 423 |
| Assets per employee ($millions) | 5.0074% | 2,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9113% | 4,515 |
| Loan loss allowance to noncurrent loans | 157.5942% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.4325% | 3,301 |
| Noncurrent loans to loans | 0.5783% | 2,956 |
| Net loans and leases to total assets | 74.1145% | 1,893 |
| Net loans and leases to deposits | 91.7743% | 1,599 |
| Net loans and leases to core deposits | 104.2652% | 1,373 |
| Total domestic deposits to total assets | 80.7573% | 4,120 |
| Equity capital to assets | 13.7797% | 1,051 |
| Core capital (leverage) ratio | 14.2370% | 825 |
| Tier 1 risk-based capital ratio | 18.1385% | 1,820 |
| Total risk-based capital ratio | 19.0362% | 1,864 |
| Memoranda: | ||
| Average total assets | $171,958,500 | 3,245 |
| Average earning assets | $157,895,750 | 3,257 |
| Average equity | $25,663,250 | 2,651 |
| Average total loans | $127,468,500 | 2,973 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5909% | 1,272 |
| Cost of funding earning assets | 0.6560% | 1,112 |
| Net interest margin | 3.9349% | 1,828 |
| Noninterest income to average assets | 0.1495% | 5,315 |
| Noninterest expense to average assets | 3.3705% | 1,228 |
| Loan and lease loss provision to assets | 0.0265% | 3,472 |
| Net operating income to assets | 0.2810% | 5,265 |
| Return on assets (ROA) | 0.2810% | 5,283 |
| Pretax return on assets | 0.3618% | 5,250 |
| Return on Equity (ROE) | 1.8291% | 5,364 |
| Retained earnings to average equity (ytd only) | 1.8291% | 4,517 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6696% | 471 |
| Assets per employee ($millions) | 4.2657% | 3,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9634% | 4,353 |
| Loan loss allowance to noncurrent loans | 86.6667% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 0.8352% | 2,122 |
| Noncurrent loans to loans | 1.1116% | 1,764 |
| Net loans and leases to total assets | 74.4056% | 1,798 |
| Net loans and leases to deposits | 94.5007% | 1,224 |
| Net loans and leases to core deposits | 105.3183% | 1,280 |
| Total domestic deposits to total assets | 78.7355% | 4,686 |
| Equity capital to assets | 15.2356% | 668 |
| Core capital (leverage) ratio | 15.5751% | 535 |
| Tier 1 risk-based capital ratio | 19.3006% | 1,518 |
| Total risk-based capital ratio | 20.2193% | 1,551 |
| Memoranda: | ||
| Average total assets | $165,851,330 | 3,331 |
| Average earning assets | $152,127,330 | 3,344 |
| Average equity | $25,477,670 | 2,670 |
| Average total loans | $122,517,330 | 3,056 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3787% | 1,719 |
| Cost of funding earning assets | 0.6529% | 1,064 |
| Net interest margin | 3.7257% | 2,396 |
| Noninterest income to average assets | 0.2056% | 5,044 |
| Noninterest expense to average assets | 3.3108% | 1,366 |
| Loan and lease loss provision to assets | 0.0538% | 2,725 |
| Net operating income to assets | 0.2129% | 5,379 |
| Return on assets (ROA) | 0.2129% | 5,390 |
| Pretax return on assets | 0.2618% | 5,359 |
| Return on Equity (ROE) | 1.3799% | 5,441 |
| Retained earnings to average equity (ytd only) | 1.3799% | 4,547 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2955% | 489 |
| Assets per employee ($millions) | 4.8563% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0195% | 4,164 |
| Loan loss allowance to noncurrent loans | 81.8423% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 0.9139% | 2,031 |
| Noncurrent loans to loans | 1.2457% | 1,620 |
| Net loans and leases to total assets | 72.6181% | 1,984 |
| Net loans and leases to deposits | 89.0353% | 1,663 |
| Net loans and leases to core deposits | 98.1669% | 1,642 |
| Total domestic deposits to total assets | 81.5611% | 4,283 |
| Equity capital to assets | 15.3265% | 590 |
| Core capital (leverage) ratio | 15.7079% | 502 |
| Tier 1 risk-based capital ratio | 21.2180% | 1,191 |
| Total risk-based capital ratio | 22.2466% | 1,196 |
| Memoranda: | ||
| Average total assets | $163,463,500 | 3,388 |
| Average earning assets | $150,091,000 | 3,397 |
| Average equity | $25,218,500 | 2,698 |
| Average total loans | $119,680,500 | 3,114 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7154% | 1,040 |
| Cost of funding earning assets | 0.7546% | 621 |
| Net interest margin | 3.9607% | 1,754 |
| Noninterest income to average assets | 1.0013% | 1,140 |
| Noninterest expense to average assets | 3.6500% | 947 |
| Loan and lease loss provision to assets | 0.0780% | 2,805 |
| Net operating income to assets | 0.5915% | 4,249 |
| Return on assets (ROA) | 0.6787% | 3,994 |
| Pretax return on assets | 1.0233% | 3,391 |
| Return on Equity (ROE) | 6.0178% | 3,972 |
| Retained earnings to average equity (ytd only) | 6.0178% | 1,694 |
| Net charge-offs to loans | 0.0119% | 3,869 |
| Credit loss provision to net charge-offs | 835.7143% | 438 |
| Earnings coverage of net charge-offs (x) | 103.8571% | 583 |
| Efficiency ratio | 79.0157% | 1,552 |
| Assets per employee ($millions) | 4.7592% | 2,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 4,160 |
| Loan loss allowance to noncurrent loans | 76.3854% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 0.9814% | 1,932 |
| Noncurrent loans to loans | 1.3432% | 1,529 |
| Net loans and leases to total assets | 72.3120% | 2,124 |
| Net loans and leases to deposits | 88.9276% | 1,813 |
| Net loans and leases to core deposits | 98.9907% | 1,708 |
| Total domestic deposits to total assets | 81.3156% | 4,252 |
| Equity capital to assets | 15.5308% | 561 |
| Core capital (leverage) ratio | 15.8790% | 475 |
| Tier 1 risk-based capital ratio | 21.8793% | 1,098 |
| Total risk-based capital ratio | 22.9230% | 1,103 |
| Memoranda: | ||
| Average total assets | $150,001,800 | 3,524 |
| Average earning assets | $137,019,600 | 3,536 |
| Average equity | $16,916,400 | 3,562 |
| Average total loans | $117,267,600 | 3,107 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7986% | 899 |
| Cost of funding earning assets | 0.7698% | 576 |
| Net interest margin | 4.0289% | 1,579 |
| Noninterest income to average assets | 0.5930% | 2,698 |
| Noninterest expense to average assets | 3.4908% | 1,166 |
| Loan and lease loss provision to assets | 0.0526% | 3,208 |
| Net operating income to assets | 0.4754% | 4,781 |
| Return on assets (ROA) | 0.5939% | 4,427 |
| Pretax return on assets | 0.9022% | 3,971 |
| Return on Equity (ROE) | 5.8758% | 4,134 |
| Retained earnings to average equity (ytd only) | 5.8758% | 2,255 |
| Net charge-offs to loans | 0.0194% | 3,315 |
| Credit loss provision to net charge-offs | 341.1765% | 946 |
| Earnings coverage of net charge-offs (x) | 50.2854% | 1,065 |
| Efficiency ratio | 81.8278% | 1,212 |
| Assets per employee ($millions) | 4.6938% | 2,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9321% | 4,742 |
| Loan loss allowance to noncurrent loans | 64.8086% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 1.1466% | 1,757 |
| Noncurrent loans to loans | 1.4383% | 1,507 |
| Net loans and leases to total assets | 78.9779% | 1,045 |
| Net loans and leases to deposits | 91.6530% | 1,543 |
| Net loans and leases to core deposits | 102.1963% | 1,470 |
| Total domestic deposits to total assets | 86.1705% | 2,272 |
| Equity capital to assets | 13.6816% | 1,168 |
| Core capital (leverage) ratio | 14.1615% | 807 |
| Tier 1 risk-based capital ratio | 18.1861% | 1,863 |
| Total risk-based capital ratio | 19.1819% | 1,908 |
| Memoranda: | ||
| Average total assets | $147,048,750 | 3,580 |
| Average earning assets | $134,062,500 | 3,606 |
| Average equity | $14,862,750 | 3,858 |
| Average total loans | $117,028,500 | 3,115 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8682% | 775 |
| Cost of funding earning assets | 0.7789% | 543 |
| Net interest margin | 4.0894% | 1,391 |
| Noninterest income to average assets | 0.7962% | 1,732 |
| Noninterest expense to average assets | 3.6044% | 1,006 |
| Loan and lease loss provision to assets | 0.0194% | 3,751 |
| Net operating income to assets | 0.6070% | 4,239 |
| Return on assets (ROA) | 0.7934% | 3,482 |
| Pretax return on assets | 1.1618% | 2,937 |
| Return on Equity (ROE) | 8.9861% | 2,496 |
| Retained earnings to average equity (ytd only) | 8.9861% | 852 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8956% | 1,507 |
| Assets per employee ($millions) | 4.8741% | 2,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 4,655 |
| Loan loss allowance to noncurrent loans | 62.0652% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 1.6024% | 1,153 |
| Noncurrent loans to loans | 1.5683% | 1,370 |
| Net loans and leases to total assets | 78.2044% | 1,174 |
| Net loans and leases to deposits | 86.1616% | 2,232 |
| Net loans and leases to core deposits | 95.6088% | 2,009 |
| Total domestic deposits to total assets | 90.7647% | 239 |
| Equity capital to assets | 9.0629% | 5,194 |
| Core capital (leverage) ratio | 8.9170% | 4,922 |
| Tier 1 risk-based capital ratio | 11.6512% | 5,061 |
| Total risk-based capital ratio | 12.6536% | 5,108 |
| Memoranda: | ||
| Average total assets | $144,433,670 | 3,640 |
| Average earning assets | $131,217,670 | 3,670 |
| Average equity | $12,753,000 | 4,191 |
| Average total loans | $114,877,000 | 3,161 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8632% | 747 |
| Cost of funding earning assets | 0.7737% | 570 |
| Net interest margin | 4.0895% | 1,371 |
| Noninterest income to average assets | 0.5573% | 2,765 |
| Noninterest expense to average assets | 3.4360% | 1,306 |
| Loan and lease loss provision to assets | 0.0390% | 3,126 |
| Net operating income to assets | 0.5295% | 4,507 |
| Return on assets (ROA) | 0.5295% | 4,616 |
| Pretax return on assets | 0.7942% | 4,211 |
| Return on Equity (ROE) | 6.0783% | 3,950 |
| Retained earnings to average equity (ytd only) | 6.0783% | 2,341 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4830% | 1,549 |
| Assets per employee ($millions) | 4.9004% | 2,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9636% | 4,789 |
| Loan loss allowance to noncurrent loans | 60.2358% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 1.7278% | 1,103 |
| Noncurrent loans to loans | 1.5997% | 1,448 |
| Net loans and leases to total assets | 78.5792% | 1,015 |
| Net loans and leases to deposits | 86.7306% | 1,981 |
| Net loans and leases to core deposits | 95.7337% | 1,825 |
| Total domestic deposits to total assets | 90.6014% | 400 |
| Equity capital to assets | 8.5789% | 5,514 |
| Core capital (leverage) ratio | 8.5364% | 5,358 |
| Tier 1 risk-based capital ratio | 10.8010% | 5,598 |
| Total risk-based capital ratio | 11.7843% | 5,639 |
| Memoranda: | ||
| Average total assets | $143,539,500 | 3,674 |
| Average earning assets | $130,285,500 | 3,708 |
| Average equity | $12,503,500 | 4,241 |
| Average total loans | $114,577,500 | 3,173 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8495% | 848 |
| Cost of funding earning assets | 0.8152% | 450 |
| Net interest margin | 4.0343% | 1,606 |
| Noninterest income to average assets | 0.9599% | 1,293 |
| Noninterest expense to average assets | 3.7738% | 891 |
| Loan and lease loss provision to assets | 0.0281% | 3,811 |
| Net operating income to assets | 0.5457% | 4,520 |
| Return on assets (ROA) | 0.5998% | 4,371 |
| Pretax return on assets | 0.9061% | 3,815 |
| Return on Equity (ROE) | 6.6104% | 3,723 |
| Retained earnings to average equity (ytd only) | 6.6104% | 1,487 |
| Net charge-offs to loans | -0.0049% | 4,970 |
| Credit loss provision to net charge-offs | -740.0000% | 5,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5768% | 1,465 |
| Assets per employee ($millions) | 4.5183% | 3,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9866% | 4,690 |
| Loan loss allowance to noncurrent loans | 59.1684% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 1.8205% | 1,044 |
| Noncurrent loans to loans | 1.6674% | 1,365 |
| Net loans and leases to total assets | 79.5335% | 915 |
| Net loans and leases to deposits | 87.3452% | 1,953 |
| Net loans and leases to core deposits | 97.3725% | 1,725 |
| Total domestic deposits to total assets | 91.0565% | 265 |
| Equity capital to assets | 8.8493% | 5,267 |
| Core capital (leverage) ratio | 8.7663% | 5,150 |
| Tier 1 risk-based capital ratio | 10.8665% | 5,593 |
| Total risk-based capital ratio | 11.8534% | 5,648 |
| Memoranda: | ||
| Average total assets | $131,883,600 | 3,851 |
| Average earning assets | $119,847,400 | 3,886 |
| Average equity | $11,966,000 | 4,315 |
| Average total loans | $102,721,200 | 3,340 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8018% | 927 |
| Cost of funding earning assets | 0.8267% | 432 |
| Net interest margin | 3.9751% | 1,789 |
| Noninterest income to average assets | 1.0094% | 1,164 |
| Noninterest expense to average assets | 3.8478% | 790 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5111% | 4,747 |
| Return on assets (ROA) | 0.5843% | 4,553 |
| Pretax return on assets | 0.8872% | 4,025 |
| Return on Equity (ROE) | 6.3974% | 3,959 |
| Retained earnings to average equity (ytd only) | 6.3974% | 2,018 |
| Net charge-offs to loans | -0.0053% | 4,843 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2112% | 1,240 |
| Assets per employee ($millions) | 4.7044% | 2,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0094% | 4,697 |
| Loan loss allowance to noncurrent loans | 25.4692% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 3.5792% | 352 |
| Noncurrent loans to loans | 3.9634% | 334 |
| Net loans and leases to total assets | 77.0555% | 1,243 |
| Net loans and leases to deposits | 84.8543% | 2,300 |
| Net loans and leases to core deposits | 94.4766% | 2,034 |
| Total domestic deposits to total assets | 90.8091% | 300 |
| Equity capital to assets | 8.9138% | 5,384 |
| Core capital (leverage) ratio | 8.9034% | 5,114 |
| Tier 1 risk-based capital ratio | 10.7848% | 5,760 |
| Total risk-based capital ratio | 11.7493% | 5,816 |
| Memoranda: | ||
| Average total assets | $129,837,500 | 3,928 |
| Average earning assets | $118,064,000 | 3,960 |
| Average equity | $11,858,750 | 4,379 |
| Average total loans | $100,273,750 | 3,417 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7741% | 935 |
| Cost of funding earning assets | 0.8380% | 409 |
| Net interest margin | 3.9362% | 1,867 |
| Noninterest income to average assets | 0.5970% | 2,759 |
| Noninterest expense to average assets | 3.6854% | 1,007 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3389% | 5,332 |
| Return on assets (ROA) | 0.4544% | 5,059 |
| Pretax return on assets | 0.6832% | 4,711 |
| Return on Equity (ROE) | 4.9328% | 4,646 |
| Retained earnings to average equity (ytd only) | 4.9328% | 2,894 |
| Net charge-offs to loans | -0.0081% | 4,871 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8267% | 919 |
| Assets per employee ($millions) | 4.5618% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0418% | 4,645 |
| Loan loss allowance to noncurrent loans | 29.6624% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 3.1333% | 510 |
| Noncurrent loans to loans | 3.5121% | 497 |
| Net loans and leases to total assets | 74.4078% | 1,596 |
| Net loans and leases to deposits | 82.5356% | 2,491 |
| Net loans and leases to core deposits | 91.4997% | 2,196 |
| Total domestic deposits to total assets | 90.1523% | 597 |
| Equity capital to assets | 8.6209% | 5,585 |
| Core capital (leverage) ratio | 8.7928% | 5,231 |
| Tier 1 risk-based capital ratio | 11.7788% | 5,294 |
| Total risk-based capital ratio | 12.8550% | 5,317 |
| Memoranda: | ||
| Average total assets | $127,640,330 | 4,006 |
| Average earning assets | $116,713,000 | 4,019 |
| Average equity | $11,758,000 | 4,421 |
| Average total loans | $98,299,000 | 3,469 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0374% | 544 |
| Cost of funding earning assets | 0.8455% | 388 |
| Net interest margin | 4.1919% | 1,078 |
| Noninterest income to average assets | 0.5332% | 3,065 |
| Noninterest expense to average assets | 3.7908% | 889 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3747% | 5,168 |
| Return on assets (ROA) | 0.4292% | 5,071 |
| Pretax return on assets | 0.6437% | 4,785 |
| Return on Equity (ROE) | 4.4982% | 4,757 |
| Retained earnings to average equity (ytd only) | 4.4982% | 3,325 |
| Net charge-offs to loans | -0.0167% | 4,956 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0799% | 1,087 |
| Assets per employee ($millions) | 4.4290% | 3,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0766% | 4,632 |
| Loan loss allowance to noncurrent loans | 119.9105% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 1.1351% | 2,370 |
| Noncurrent loans to loans | 0.8979% | 2,988 |
| Net loans and leases to total assets | 76.6875% | 1,106 |
| Net loans and leases to deposits | 84.6735% | 1,989 |
| Net loans and leases to core deposits | 94.0028% | 1,772 |
| Total domestic deposits to total assets | 90.5685% | 506 |
| Equity capital to assets | 9.1886% | 5,103 |
| Core capital (leverage) ratio | 9.3526% | 4,491 |
| Tier 1 risk-based capital ratio | 11.7781% | 5,391 |
| Total risk-based capital ratio | 12.8713% | 5,399 |
| Memoranda: | ||
| Average total assets | $123,033,500 | 4,127 |
| Average earning assets | $112,121,000 | 4,138 |
| Average equity | $11,738,000 | 4,462 |
| Average total loans | $95,997,500 | 3,523 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2012% | 521 |
| Cost of funding earning assets | 0.8013% | 646 |
| Net interest margin | 4.4000% | 888 |
| Noninterest income to average assets | 0.6307% | 2,671 |
| Noninterest expense to average assets | 4.1081% | 681 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3415% | 5,399 |
| Return on assets (ROA) | 0.4489% | 5,116 |
| Pretax return on assets | 0.7040% | 4,614 |
| Return on Equity (ROE) | 4.2698% | 4,996 |
| Retained earnings to average equity (ytd only) | 4.2698% | 3,150 |
| Net charge-offs to loans | 0.1691% | 2,340 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 4.0993% | 3,741 |
| Efficiency ratio | 88.1366% | 986 |
| Assets per employee ($millions) | 4.3565% | 3,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1555% | 4,250 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4795% | 4,200 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 77.6672% | 1,044 |
| Net loans and leases to deposits | 87.3376% | 1,807 |
| Net loans and leases to core deposits | 94.7942% | 1,838 |
| Total domestic deposits to total assets | 88.9275% | 1,277 |
| Equity capital to assets | 9.9248% | 4,208 |
| Core capital (leverage) ratio | 10.3590% | 3,103 |
| Tier 1 risk-based capital ratio | 12.3211% | 5,141 |
| Total risk-based capital ratio | 13.4595% | 5,136 |
| Memoranda: | ||
| Average total assets | $107,810,600 | 4,420 |
| Average earning assets | $98,341,800 | 4,444 |
| Average equity | $11,335,400 | 4,491 |
| Average total loans | $83,391,200 | 3,786 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2068% | 512 |
| Cost of funding earning assets | 0.8038% | 672 |
| Net interest margin | 4.4030% | 879 |
| Noninterest income to average assets | 0.8251% | 1,795 |
| Noninterest expense to average assets | 4.3154% | 549 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3356% | 5,473 |
| Return on assets (ROA) | 0.4822% | 5,015 |
| Pretax return on assets | 0.7593% | 4,506 |
| Return on Equity (ROE) | 4.5152% | 4,962 |
| Retained earnings to average equity (ytd only) | 4.5152% | 3,438 |
| Net charge-offs to loans | 0.2317% | 1,659 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.9715% | 3,779 |
| Efficiency ratio | 88.7438% | 939 |
| Assets per employee ($millions) | 3.9940% | 3,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 3,863 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5230% | 4,310 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 77.4534% | 1,031 |
| Net loans and leases to deposits | 88.8961% | 1,569 |
| Net loans and leases to core deposits | 94.7468% | 1,778 |
| Total domestic deposits to total assets | 87.1280% | 2,246 |
| Equity capital to assets | 10.5926% | 3,436 |
| Core capital (leverage) ratio | 10.6180% | 2,907 |
| Tier 1 risk-based capital ratio | 13.5141% | 4,529 |
| Total risk-based capital ratio | 14.7645% | 4,470 |
| Memoranda: | ||
| Average total assets | $105,357,000 | 4,512 |
| Average earning assets | $96,204,250 | 4,543 |
| Average equity | $11,250,750 | 4,543 |
| Average total loans | $81,133,000 | 3,872 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1897% | 518 |
| Cost of funding earning assets | 0.8084% | 672 |
| Net interest margin | 4.3813% | 878 |
| Noninterest income to average assets | 1.1939% | 821 |
| Noninterest expense to average assets | 4.4102% | 494 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4985% | 4,816 |
| Return on assets (ROA) | 0.5855% | 4,522 |
| Pretax return on assets | 0.9222% | 3,796 |
| Return on Equity (ROE) | 5.4675% | 4,450 |
| Retained earnings to average equity (ytd only) | 5.4675% | 2,656 |
| Net charge-offs to loans | 0.3526% | 1,166 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.9149% | 3,436 |
| Efficiency ratio | 84.8675% | 1,401 |
| Assets per employee ($millions) | 3.7744% | 4,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 3,822 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7040% | 3,866 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 76.3342% | 1,124 |
| Net loans and leases to deposits | 89.0765% | 1,470 |
| Net loans and leases to core deposits | 95.1568% | 1,672 |
| Total domestic deposits to total assets | 85.6951% | 3,198 |
| Equity capital to assets | 10.8039% | 3,086 |
| Core capital (leverage) ratio | 10.6118% | 2,810 |
| Tier 1 risk-based capital ratio | 13.7194% | 4,433 |
| Total risk-based capital ratio | 14.9654% | 4,386 |
| Memoranda: | ||
| Average total assets | $104,529,670 | 4,568 |
| Average earning assets | $95,497,670 | 4,595 |
| Average equity | $11,193,330 | 4,557 |
| Average total loans | $79,979,670 | 3,910 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1512% | 538 |
| Cost of funding earning assets | 0.8045% | 735 |
| Net interest margin | 4.3468% | 902 |
| Noninterest income to average assets | 0.8350% | 1,618 |
| Noninterest expense to average assets | 4.0442% | 718 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4798% | 4,786 |
| Return on assets (ROA) | 0.5733% | 4,411 |
| Pretax return on assets | 0.9081% | 3,665 |
| Return on Equity (ROE) | 5.3786% | 4,345 |
| Retained earnings to average equity (ytd only) | 5.3786% | 2,867 |
| Net charge-offs to loans | 0.7080% | 505 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.4143% | 3,103 |
| Efficiency ratio | 84.1473% | 1,653 |
| Assets per employee ($millions) | 3.8932% | 4,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3200% | 4,010 |
| Loan loss allowance to noncurrent loans | 2,096.0784% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.7563% | 3,855 |
| Noncurrent loans to loans | 0.0630% | 5,962 |
| Net loans and leases to total assets | 76.0229% | 999 |
| Net loans and leases to deposits | 89.4131% | 1,210 |
| Net loans and leases to core deposits | 95.5897% | 1,413 |
| Total domestic deposits to total assets | 85.0243% | 3,854 |
| Equity capital to assets | 10.6186% | 3,117 |
| Core capital (leverage) ratio | 10.6815% | 2,724 |
| Tier 1 risk-based capital ratio | 13.9145% | 4,379 |
| Total risk-based capital ratio | 15.1653% | 4,326 |
| Memoranda: | ||
| Average total assets | $103,952,500 | 4,630 |
| Average earning assets | $94,967,500 | 4,656 |
| Average equity | $11,081,000 | 4,594 |
| Average total loans | $79,099,000 | 3,966 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3047% | 522 |
| Cost of funding earning assets | 0.9108% | 692 |
| Net interest margin | 4.3940% | 923 |
| Noninterest income to average assets | 2.2973% | 324 |
| Noninterest expense to average assets | 4.2329% | 674 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3867% | 1,051 |
| Return on assets (ROA) | 1.3932% | 1,073 |
| Pretax return on assets | 2.1355% | 353 |
| Return on Equity (ROE) | 13.1877% | 1,134 |
| Retained earnings to average equity (ytd only) | 13.1877% | 239 |
| Net charge-offs to loans | -0.1573% | 6,576 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5719% | 4,458 |
| Assets per employee ($millions) | 4.8947% | 2,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5657% | 2,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7637% | 3,979 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 73.9454% | 1,357 |
| Net loans and leases to deposits | 83.3648% | 2,016 |
| Net loans and leases to core deposits | 88.4275% | 2,196 |
| Total domestic deposits to total assets | 88.7010% | 1,802 |
| Equity capital to assets | 10.7016% | 2,931 |
| Core capital (leverage) ratio | 10.7306% | 2,645 |
| Tier 1 risk-based capital ratio | 14.5658% | 3,925 |
| Total risk-based capital ratio | 15.8191% | 3,854 |
| Memoranda: | ||
| Average total assets | $99,553,200 | 4,752 |
| Average earning assets | $92,012,000 | 4,719 |
| Average equity | $10,517,400 | 4,738 |
| Average total loans | $74,387,400 | 4,112 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2543% | 577 |
| Cost of funding earning assets | 0.9197% | 744 |
| Net interest margin | 4.3346% | 1,021 |
| Noninterest income to average assets | 1.4299% | 722 |
| Noninterest expense to average assets | 3.7577% | 1,151 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0806% | 2,085 |
| Return on assets (ROA) | 1.0910% | 2,119 |
| Pretax return on assets | 1.7040% | 1,086 |
| Return on Equity (ROE) | 10.3620% | 2,047 |
| Retained earnings to average equity (ytd only) | 10.3620% | 717 |
| Net charge-offs to loans | -0.2081% | 6,660 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0057% | 3,915 |
| Assets per employee ($millions) | 4.9230% | 2,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5307% | 3,332 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7593% | 4,208 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 75.1079% | 1,124 |
| Net loans and leases to deposits | 83.8676% | 1,890 |
| Net loans and leases to core deposits | 88.4535% | 2,135 |
| Total domestic deposits to total assets | 89.5552% | 1,260 |
| Equity capital to assets | 10.1739% | 3,672 |
| Core capital (leverage) ratio | 10.4687% | 3,037 |
| Tier 1 risk-based capital ratio | 14.2183% | 4,274 |
| Total risk-based capital ratio | 15.4564% | 4,228 |
| Memoranda: | ||
| Average total assets | $98,744,500 | 4,817 |
| Average earning assets | $91,478,250 | 4,777 |
| Average equity | $10,396,750 | 4,814 |
| Average total loans | $73,680,250 | 4,172 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2559% | 575 |
| Cost of funding earning assets | 0.9293% | 776 |
| Net interest margin | 4.3266% | 986 |
| Noninterest income to average assets | 1.9465% | 463 |
| Noninterest expense to average assets | 4.6626% | 464 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8498% | 3,043 |
| Return on assets (ROA) | 0.8498% | 3,195 |
| Pretax return on assets | 1.3169% | 2,243 |
| Return on Equity (ROE) | 7.9758% | 3,111 |
| Retained earnings to average equity (ytd only) | 7.9758% | 1,498 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9766% | 2,456 |
| Assets per employee ($millions) | 4.4462% | 2,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5011% | 3,582 |
| Loan loss allowance to noncurrent loans | 77.2824% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 2.2471% | 1,924 |
| Noncurrent loans to loans | 1.9423% | 2,461 |
| Net loans and leases to total assets | 73.2552% | 1,360 |
| Net loans and leases to deposits | 82.6558% | 1,970 |
| Net loans and leases to core deposits | 88.1118% | 2,091 |
| Total domestic deposits to total assets | 88.6267% | 1,829 |
| Equity capital to assets | 10.5779% | 3,195 |
| Core capital (leverage) ratio | 10.1798% | 3,261 |
| Tier 1 risk-based capital ratio | 14.5111% | 4,091 |
| Total risk-based capital ratio | 15.7655% | 4,058 |
| Memoranda: | ||
| Average total assets | $97,198,670 | 4,878 |
| Average earning assets | $90,602,330 | 4,826 |
| Average equity | $10,356,330 | 4,859 |
| Average total loans | $71,955,330 | 4,241 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2940% | 518 |
| Cost of funding earning assets | 0.9355% | 829 |
| Net interest margin | 4.3585% | 867 |
| Noninterest income to average assets | 3.4926% | 207 |
| Noninterest expense to average assets | 5.6435% | 245 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2179% | 1,485 |
| Return on assets (ROA) | 1.2179% | 1,589 |
| Pretax return on assets | 1.9073% | 721 |
| Return on Equity (ROE) | 11.3889% | 1,595 |
| Retained earnings to average equity (ytd only) | 11.3889% | 801 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7403% | 3,133 |
| Assets per employee ($millions) | 4.5087% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5397% | 3,659 |
| Loan loss allowance to noncurrent loans | 77.2116% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 2.3712% | 1,962 |
| Noncurrent loans to loans | 1.9941% | 2,621 |
| Net loans and leases to total assets | 70.3380% | 1,610 |
| Net loans and leases to deposits | 79.4183% | 2,161 |
| Net loans and leases to core deposits | 85.8410% | 2,119 |
| Total domestic deposits to total assets | 88.5665% | 1,965 |
| Equity capital to assets | 10.5635% | 3,474 |
| Core capital (leverage) ratio | 10.2106% | 3,133 |
| Tier 1 risk-based capital ratio | 15.1684% | 3,727 |
| Total risk-based capital ratio | 16.4188% | 3,676 |
| Memoranda: | ||
| Average total assets | $96,889,500 | 4,931 |
| Average earning assets | $90,215,000 | 4,884 |
| Average equity | $10,361,000 | 4,917 |
| Average total loans | $71,559,000 | 4,290 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7498% | 396 |
| Cost of funding earning assets | 1.0785% | 989 |
| Net interest margin | 4.6714% | 686 |
| Noninterest income to average assets | 1.2937% | 917 |
| Noninterest expense to average assets | 4.0552% | 913 |
| Loan and lease loss provision to assets | 0.0530% | 5,144 |
| Net operating income to assets | 0.9241% | 2,685 |
| Return on assets (ROA) | 0.9241% | 2,929 |
| Pretax return on assets | 1.4505% | 1,847 |
| Return on Equity (ROE) | 8.9589% | 2,659 |
| Retained earnings to average equity (ytd only) | 8.9589% | 839 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9535% | 3,249 |
| Assets per employee ($millions) | 4.5042% | 2,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5099% | 3,708 |
| Loan loss allowance to noncurrent loans | 727.3333% | 594 |
| Noncurrent assets plus other real estate owned to assets | 1.1524% | 3,736 |
| Noncurrent loans to loans | 0.2076% | 5,955 |
| Net loans and leases to total assets | 75.2389% | 1,018 |
| Net loans and leases to deposits | 87.8052% | 1,298 |
| Net loans and leases to core deposits | 94.2098% | 1,451 |
| Total domestic deposits to total assets | 85.6885% | 3,519 |
| Equity capital to assets | 10.8301% | 3,140 |
| Core capital (leverage) ratio | 10.4397% | 2,838 |
| Tier 1 risk-based capital ratio | 14.9199% | 3,767 |
| Total risk-based capital ratio | 16.1688% | 3,714 |
| Memoranda: | ||
| Average total assets | $92,522,600 | 5,010 |
| Average earning assets | $84,472,200 | 5,002 |
| Average equity | $9,543,600 | 5,091 |
| Average total loans | $69,009,800 | 4,390 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7383% | 431 |
| Cost of funding earning assets | 1.1110% | 1,024 |
| Net interest margin | 4.6273% | 779 |
| Noninterest income to average assets | 1.1854% | 1,077 |
| Noninterest expense to average assets | 3.9793% | 958 |
| Loan and lease loss provision to assets | 0.0710% | 4,781 |
| Net operating income to assets | 0.8521% | 3,201 |
| Return on assets (ROA) | 0.8521% | 3,458 |
| Pretax return on assets | 1.3419% | 2,441 |
| Return on Equity (ROE) | 8.3683% | 3,096 |
| Retained earnings to average equity (ytd only) | 8.3683% | 1,453 |
| Net charge-offs to loans | 0.0665% | 4,753 |
| Credit loss provision to net charge-offs | 144.1176% | 1,987 |
| Earnings coverage of net charge-offs (x) | 28.6779% | 1,137 |
| Efficiency ratio | 73.7974% | 3,024 |
| Assets per employee ($millions) | 4.4619% | 2,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5176% | 3,880 |
| Loan loss allowance to noncurrent loans | 133.2913% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 1.8784% | 2,818 |
| Noncurrent loans to loans | 1.1385% | 4,154 |
| Net loans and leases to total assets | 73.2068% | 1,363 |
| Net loans and leases to deposits | 82.5558% | 2,043 |
| Net loans and leases to core deposits | 88.4080% | 2,169 |
| Total domestic deposits to total assets | 88.6754% | 1,607 |
| Equity capital to assets | 10.6639% | 3,647 |
| Core capital (leverage) ratio | 10.1599% | 3,337 |
| Tier 1 risk-based capital ratio | 15.0093% | 3,845 |
| Total risk-based capital ratio | 16.2641% | 3,790 |
| Memoranda: | ||
| Average total assets | $92,006,250 | 5,076 |
| Average earning assets | $83,645,750 | 5,082 |
| Average equity | $9,368,500 | 5,184 |
| Average total loans | $68,197,750 | 4,462 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8631% | 368 |
| Cost of funding earning assets | 1.1339% | 1,077 |
| Net interest margin | 4.7292% | 635 |
| Noninterest income to average assets | 1.1220% | 1,136 |
| Noninterest expense to average assets | 4.0310% | 908 |
| Loan and lease loss provision to assets | 0.0984% | 4,303 |
| Net operating income to assets | 0.8027% | 3,389 |
| Return on assets (ROA) | 0.8027% | 3,641 |
| Pretax return on assets | 1.2708% | 2,648 |
| Return on Equity (ROE) | 8.0125% | 3,252 |
| Retained earnings to average equity (ytd only) | 8.0125% | 1,636 |
| Net charge-offs to loans | 0.1211% | 3,961 |
| Credit loss provision to net charge-offs | 109.7561% | 2,486 |
| Earnings coverage of net charge-offs (x) | 15.2683% | 1,653 |
| Efficiency ratio | 74.6456% | 2,960 |
| Assets per employee ($millions) | 4.3627% | 3,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6189% | 3,540 |
| Loan loss allowance to noncurrent loans | 131.9042% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 1.9221% | 2,878 |
| Noncurrent loans to loans | 1.2273% | 4,091 |
| Net loans and leases to total assets | 69.3812% | 2,034 |
| Net loans and leases to deposits | 77.8001% | 2,706 |
| Net loans and leases to core deposits | 82.4834% | 2,903 |
| Total domestic deposits to total assets | 89.1789% | 1,403 |
| Equity capital to assets | 10.3103% | 3,924 |
| Core capital (leverage) ratio | 9.5089% | 4,127 |
| Tier 1 risk-based capital ratio | 14.7187% | 3,953 |
| Total risk-based capital ratio | 15.9906% | 3,898 |
| Memoranda: | ||
| Average total assets | $91,442,000 | 5,121 |
| Average earning assets | $82,720,670 | 5,135 |
| Average equity | $9,160,670 | 5,226 |
| Average total loans | $67,713,330 | 4,498 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9478% | 331 |
| Cost of funding earning assets | 1.1700% | 1,107 |
| Net interest margin | 4.7778% | 595 |
| Noninterest income to average assets | 1.9222% | 434 |
| Noninterest expense to average assets | 4.4136% | 594 |
| Loan and lease loss provision to assets | 0.1970% | 2,975 |
| Net operating income to assets | 0.9939% | 2,503 |
| Return on assets (ROA) | 0.9939% | 2,696 |
| Pretax return on assets | 1.5850% | 1,616 |
| Return on Equity (ROE) | 10.0688% | 2,385 |
| Retained earnings to average equity (ytd only) | 10.0688% | 1,253 |
| Net charge-offs to loans | 0.0058% | 4,673 |
| Credit loss provision to net charge-offs | 4,500.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 407.0000% | 68 |
| Efficiency ratio | 71.2367% | 3,581 |
| Assets per employee ($millions) | 4.3608% | 3,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5692% | 3,851 |
| Loan loss allowance to noncurrent loans | 46.5894% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 3.6024% | 1,578 |
| Noncurrent loans to loans | 3.3681% | 1,883 |
| Net loans and leases to total assets | 74.3888% | 1,001 |
| Net loans and leases to deposits | 83.0262% | 1,792 |
| Net loans and leases to core deposits | 88.3349% | 2,013 |
| Total domestic deposits to total assets | 89.5967% | 1,303 |
| Equity capital to assets | 9.9818% | 4,142 |
| Core capital (leverage) ratio | 9.4639% | 4,096 |
| Tier 1 risk-based capital ratio | 14.2440% | 4,281 |
| Total risk-based capital ratio | 15.5163% | 4,238 |
| Memoranda: | ||
| Average total assets | $91,354,500 | 5,165 |
| Average earning assets | $81,710,500 | 5,198 |
| Average equity | $9,018,000 | 5,276 |
| Average total loans | $69,264,500 | 4,470 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7590% | 694 |
| Cost of funding earning assets | 1.2265% | 1,860 |
| Net interest margin | 4.5325% | 1,064 |
| Noninterest income to average assets | 1.0616% | 1,190 |
| Noninterest expense to average assets | 3.7283% | 1,483 |
| Loan and lease loss provision to assets | 0.5146% | 2,045 |
| Net operating income to assets | 0.5909% | 4,048 |
| Return on assets (ROA) | 0.5909% | 4,223 |
| Pretax return on assets | 0.9298% | 3,515 |
| Return on Equity (ROE) | 6.0983% | 3,820 |
| Retained earnings to average equity (ytd only) | 6.0983% | 1,959 |
| Net charge-offs to loans | 0.4210% | 3,320 |
| Credit loss provision to net charge-offs | 163.6029% | 1,671 |
| Earnings coverage of net charge-offs (x) | 4.5919% | 3,053 |
| Efficiency ratio | 72.0769% | 3,565 |
| Assets per employee ($millions) | 4.5566% | 2,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5032% | 4,007 |
| Loan loss allowance to noncurrent loans | 44.7018% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 3.6200% | 1,623 |
| Noncurrent loans to loans | 3.3627% | 1,927 |
| Net loans and leases to total assets | 74.9221% | 1,102 |
| Net loans and leases to deposits | 83.2770% | 2,027 |
| Net loans and leases to core deposits | 87.8106% | 2,395 |
| Total domestic deposits to total assets | 89.9673% | 1,013 |
| Equity capital to assets | 9.7606% | 4,496 |
| Core capital (leverage) ratio | 9.0385% | 4,715 |
| Tier 1 risk-based capital ratio | 13.8528% | 4,437 |
| Total risk-based capital ratio | 15.1246% | 4,376 |
| Memoranda: | ||
| Average total assets | $86,472,600 | 5,278 |
| Average earning assets | $78,433,800 | 5,281 |
| Average equity | $8,379,400 | 5,446 |
| Average total loans | $64,606,000 | 4,696 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8487% | 626 |
| Cost of funding earning assets | 1.2300% | 2,124 |
| Net interest margin | 4.6188% | 914 |
| Noninterest income to average assets | 1.0034% | 1,329 |
| Noninterest expense to average assets | 3.6385% | 1,633 |
| Loan and lease loss provision to assets | 0.4798% | 2,068 |
| Net operating income to assets | 0.6705% | 3,769 |
| Return on assets (ROA) | 0.6705% | 3,938 |
| Pretax return on assets | 1.0581% | 3,177 |
| Return on Equity (ROE) | 6.9328% | 3,557 |
| Retained earnings to average equity (ytd only) | 6.9328% | 2,004 |
| Net charge-offs to loans | 0.5213% | 2,668 |
| Credit loss provision to net charge-offs | 123.7903% | 2,602 |
| Earnings coverage of net charge-offs (x) | 3.9677% | 3,233 |
| Efficiency ratio | 70.2899% | 3,911 |
| Assets per employee ($millions) | 4.5078% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 4,654 |
| Loan loss allowance to noncurrent loans | 117.0240% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 1.9722% | 3,177 |
| Noncurrent loans to loans | 1.1762% | 4,580 |
| Net loans and leases to total assets | 73.7541% | 1,362 |
| Net loans and leases to deposits | 83.1266% | 2,155 |
| Net loans and leases to core deposits | 87.3678% | 2,577 |
| Total domestic deposits to total assets | 88.7250% | 1,599 |
| Equity capital to assets | 9.7488% | 4,705 |
| Core capital (leverage) ratio | 9.1032% | 4,784 |
| Tier 1 risk-based capital ratio | 13.2765% | 4,894 |
| Total risk-based capital ratio | 14.5295% | 4,868 |
| Memoranda: | ||
| Average total assets | $85,307,750 | 5,343 |
| Average earning assets | $77,074,500 | 5,353 |
| Average equity | $8,250,500 | 5,526 |
| Average total loans | $63,427,500 | 4,780 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8459% | 657 |
| Cost of funding earning assets | 1.2548% | 2,223 |
| Net interest margin | 4.5911% | 922 |
| Noninterest income to average assets | 0.0430% | 7,072 |
| Noninterest expense to average assets | 3.4006% | 2,258 |
| Loan and lease loss provision to assets | 0.1529% | 4,402 |
| Net operating income to assets | 0.3943% | 4,973 |
| Return on assets (ROA) | 0.3943% | 5,117 |
| Pretax return on assets | 0.6165% | 4,688 |
| Return on Equity (ROE) | 4.0887% | 4,890 |
| Retained earnings to average equity (ytd only) | 4.0887% | 3,594 |
| Net charge-offs to loans | 0.7988% | 1,904 |
| Credit loss provision to net charge-offs | 25.8065% | 5,048 |
| Earnings coverage of net charge-offs (x) | 1.2984% | 4,315 |
| Efficiency ratio | 81.5473% | 2,162 |
| Assets per employee ($millions) | 4.2811% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 6,012 |
| Loan loss allowance to noncurrent loans | 86.3808% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 3.5353% | 1,855 |
| Noncurrent loans to loans | 1.2572% | 4,559 |
| Net loans and leases to total assets | 72.8703% | 1,622 |
| Net loans and leases to deposits | 82.9915% | 2,281 |
| Net loans and leases to core deposits | 86.5848% | 2,808 |
| Total domestic deposits to total assets | 87.8045% | 2,276 |
| Equity capital to assets | 9.6844% | 4,562 |
| Core capital (leverage) ratio | 8.9200% | 4,846 |
| Tier 1 risk-based capital ratio | 13.1944% | 4,772 |
| Total risk-based capital ratio | 14.3524% | 4,809 |
| Memoranda: | ||
| Average total assets | $83,692,000 | 5,432 |
| Average earning assets | $75,232,330 | 5,456 |
| Average equity | $8,071,000 | 5,592 |
| Average total loans | $62,096,330 | 4,864 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8336% | 690 |
| Cost of funding earning assets | 1.2808% | 2,303 |
| Net interest margin | 4.5528% | 955 |
| Noninterest income to average assets | 0.0435% | 7,167 |
| Noninterest expense to average assets | 3.4813% | 2,057 |
| Loan and lease loss provision to assets | 0.1064% | 4,684 |
| Net operating income to assets | 0.3530% | 5,162 |
| Return on assets (ROA) | 0.3530% | 5,242 |
| Pretax return on assets | 0.5464% | 4,875 |
| Return on Equity (ROE) | 3.6681% | 5,058 |
| Retained earnings to average equity (ytd only) | 3.6681% | 3,973 |
| Net charge-offs to loans | 1.4674% | 925 |
| Credit loss provision to net charge-offs | 9.7345% | 4,386 |
| Earnings coverage of net charge-offs (x) | 0.5973% | 4,179 |
| Efficiency ratio | 84.2105% | 1,929 |
| Assets per employee ($millions) | 3.9213% | 4,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0829% | 6,114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.7408% | 2,522 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 73.7695% | 1,383 |
| Net loans and leases to deposits | 85.2171% | 1,849 |
| Net loans and leases to core deposits | 89.0732% | 2,475 |
| Total domestic deposits to total assets | 86.5666% | 3,199 |
| Equity capital to assets | 9.7296% | 4,138 |
| Core capital (leverage) ratio | 8.9934% | 4,623 |
| Tier 1 risk-based capital ratio | 12.9365% | 4,872 |
| Total risk-based capital ratio | 14.0567% | 4,955 |
| Memoranda: | ||
| Average total assets | $82,727,000 | 5,504 |
| Average earning assets | $74,328,500 | 5,530 |
| Average equity | $7,960,500 | 5,617 |
| Average total loans | $61,605,500 | 4,922 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7456% | 1,419 |
| Cost of funding earning assets | 1.7989% | 1,174 |
| Net interest margin | 3.9467% | 3,271 |
| Noninterest income to average assets | 0.0393% | 7,159 |
| Noninterest expense to average assets | 3.7725% | 1,539 |
| Loan and lease loss provision to assets | 0.3357% | 4,133 |
| Net operating income to assets | -0.3287% | 6,244 |
| Return on assets (ROA) | -0.1381% | 6,092 |
| Pretax return on assets | -0.2193% | 6,104 |
| Return on Equity (ROE) | -1.3462% | 6,101 |
| Retained earnings to average equity (ytd only) | -1.3462% | 5,865 |
| Net charge-offs to loans | 0.5291% | 3,509 |
| Credit loss provision to net charge-offs | 84.3537% | 5,373 |
| Earnings coverage of net charge-offs (x) | -0.4558% | 6,432 |
| Efficiency ratio | 105.0509% | 647 |
| Assets per employee ($millions) | 3.9575% | 3,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 4,479 |
| Loan loss allowance to noncurrent loans | 83.3174% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 2.9949% | 2,346 |
| Noncurrent loans to loans | 1.6877% | 3,969 |
| Net loans and leases to total assets | 73.3151% | 1,806 |
| Net loans and leases to deposits | 81.0843% | 2,971 |
| Net loans and leases to core deposits | 87.3123% | 3,142 |
| Total domestic deposits to total assets | 90.4184% | 878 |
| Equity capital to assets | 9.5166% | 4,385 |
| Core capital (leverage) ratio | 8.7052% | 5,011 |
| Tier 1 risk-based capital ratio | 12.9394% | 4,645 |
| Total risk-based capital ratio | 14.0183% | 4,772 |
| Memoranda: | ||
| Average total assets | $73,876,600 | 5,765 |
| Average earning assets | $66,485,200 | 5,782 |
| Average equity | $7,577,000 | 5,853 |
| Average total loans | $55,567,400 | 5,254 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7391% | 1,581 |
| Cost of funding earning assets | 1.8584% | 1,170 |
| Net interest margin | 3.8807% | 3,607 |
| Noninterest income to average assets | 0.0354% | 7,345 |
| Noninterest expense to average assets | 3.8563% | 1,270 |
| Loan and lease loss provision to assets | 0.4080% | 3,454 |
| Net operating income to assets | -0.4635% | 6,569 |
| Return on assets (ROA) | -0.2012% | 6,387 |
| Pretax return on assets | -0.3335% | 6,436 |
| Return on Equity (ROE) | -1.9215% | 6,389 |
| Retained earnings to average equity (ytd only) | -1.9215% | 6,184 |
| Net charge-offs to loans | 0.7258% | 2,608 |
| Credit loss provision to net charge-offs | 74.4898% | 5,302 |
| Earnings coverage of net charge-offs (x) | -0.6122% | 6,365 |
| Efficiency ratio | 109.5238% | 534 |
| Assets per employee ($millions) | 4.0752% | 3,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3251% | 4,828 |
| Loan loss allowance to noncurrent loans | 80.5369% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 3.0538% | 2,373 |
| Noncurrent loans to loans | 1.6453% | 4,177 |
| Net loans and leases to total assets | 76.7459% | 1,272 |
| Net loans and leases to deposits | 85.2298% | 2,480 |
| Net loans and leases to core deposits | 92.2527% | 2,761 |
| Total domestic deposits to total assets | 90.0459% | 856 |
| Equity capital to assets | 9.8191% | 4,394 |
| Core capital (leverage) ratio | 9.2243% | 4,331 |
| Tier 1 risk-based capital ratio | 12.4545% | 5,027 |
| Total risk-based capital ratio | 13.4584% | 5,231 |
| Memoranda: | ||
| Average total assets | $71,569,000 | 5,899 |
| Average earning assets | $64,282,750 | 5,912 |
| Average equity | $7,494,000 | 5,945 |
| Average total loans | $54,009,500 | 5,389 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7226% | 1,677 |
| Cost of funding earning assets | 1.9337% | 1,095 |
| Net interest margin | 3.7890% | 3,943 |
| Noninterest income to average assets | 0.0322% | 7,422 |
| Noninterest expense to average assets | 4.1754% | 836 |
| Loan and lease loss provision to assets | 0.3487% | 3,631 |
| Net operating income to assets | -0.6758% | 6,790 |
| Return on assets (ROA) | -0.4395% | 6,637 |
| Pretax return on assets | -0.7237% | 6,738 |
| Return on Equity (ROE) | -4.0959% | 6,627 |
| Retained earnings to average equity (ytd only) | -4.0959% | 6,453 |
| Net charge-offs to loans | 1.1281% | 1,675 |
| Credit loss provision to net charge-offs | 41.4634% | 5,590 |
| Earnings coverage of net charge-offs (x) | -0.8850% | 6,097 |
| Efficiency ratio | 121.6909% | 390 |
| Assets per employee ($millions) | 3.7274% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3569% | 4,645 |
| Loan loss allowance to noncurrent loans | 57.5058% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 3.4180% | 2,062 |
| Noncurrent loans to loans | 2.3596% | 3,305 |
| Net loans and leases to total assets | 72.8467% | 2,201 |
| Net loans and leases to deposits | 80.9701% | 3,435 |
| Net loans and leases to core deposits | 88.2893% | 3,510 |
| Total domestic deposits to total assets | 89.9674% | 932 |
| Equity capital to assets | 9.7925% | 4,277 |
| Core capital (leverage) ratio | 8.5062% | 5,395 |
| Tier 1 risk-based capital ratio | 11.8511% | 5,445 |
| Total risk-based capital ratio | 12.7707% | 5,725 |
| Memoranda: | ||
| Average total assets | $68,257,330 | 6,026 |
| Average earning assets | $61,230,670 | 6,054 |
| Average equity | $7,324,330 | 6,026 |
| Average total loans | $50,882,330 | 5,571 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6250% | 2,052 |
| Cost of funding earning assets | 2.0138% | 1,036 |
| Net interest margin | 3.6112% | 4,680 |
| Noninterest income to average assets | 0.0246% | 7,584 |
| Noninterest expense to average assets | 4.2511% | 764 |
| Loan and lease loss provision to assets | 0.4607% | 2,664 |
| Net operating income to assets | -0.9018% | 7,060 |
| Return on assets (ROA) | -0.5283% | 6,875 |
| Pretax return on assets | -0.8539% | 6,979 |
| Return on Equity (ROE) | -4.6889% | 6,865 |
| Retained earnings to average equity (ytd only) | -4.6889% | 6,562 |
| Net charge-offs to loans | 2.1477% | 793 |
| Credit loss provision to net charge-offs | 28.6260% | 4,834 |
| Earnings coverage of net charge-offs (x) | -0.6069% | 5,315 |
| Efficiency ratio | 129.8311% | 338 |
| Assets per employee ($millions) | 3.4403% | 5,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 4,086 |
| Loan loss allowance to noncurrent loans | 29.1317% | 6,457 |
| Noncurrent assets plus other real estate owned to assets | 3.6320% | 1,927 |
| Noncurrent loans to loans | 5.0356% | 1,435 |
| Net loans and leases to total assets | 71.0690% | 2,683 |
| Net loans and leases to deposits | 79.5791% | 3,730 |
| Net loans and leases to core deposits | 86.9470% | 3,760 |
| Total domestic deposits to total assets | 89.3060% | 1,362 |
| Equity capital to assets | 10.5530% | 3,192 |
| Core capital (leverage) ratio | 9.2228% | 4,183 |
| Tier 1 risk-based capital ratio | 13.1334% | 4,247 |
| Total risk-based capital ratio | 14.0532% | 4,448 |
| Memoranda: | ||
| Average total assets | $65,112,500 | 6,206 |
| Average earning assets | $58,595,500 | 6,222 |
| Average equity | $7,336,500 | 6,075 |
| Average total loans | $48,797,500 | 5,722 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5937% | 3,639 |
| Cost of funding earning assets | 2.7038% | 586 |
| Net interest margin | 2.8899% | 6,884 |
| Noninterest income to average assets | 0.0342% | 7,572 |
| Noninterest expense to average assets | 4.2257% | 1,059 |
| Loan and lease loss provision to assets | 1.3027% | 1,773 |
| Net operating income to assets | -1.8108% | 7,016 |
| Return on assets (ROA) | -1.6222% | 6,923 |
| Pretax return on assets | -2.5712% | 7,164 |
| Return on Equity (ROE) | -10.8172% | 6,682 |
| Retained earnings to average equity (ytd only) | -10.8172% | 6,580 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 158.7143% | 258 |
| Assets per employee ($millions) | 3.4122% | 5,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9075% | 2,241 |
| Loan loss allowance to noncurrent loans | 457.5000% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.3256% | 6,626 |
| Noncurrent loans to loans | 0.4169% | 6,442 |
| Net loans and leases to total assets | 76.6086% | 1,670 |
| Net loans and leases to deposits | 96.1757% | 1,312 |
| Net loans and leases to core deposits | 160.7495% | 334 |
| Total domestic deposits to total assets | 79.6548% | 5,793 |
| Equity capital to assets | 12.0677% | 1,995 |
| Core capital (leverage) ratio | 11.0141% | 2,217 |
| Tier 1 risk-based capital ratio | 14.6520% | 3,128 |
| Total risk-based capital ratio | 15.6869% | 3,193 |
| Memoranda: | ||
| Average total assets | $52,583,200 | 6,612 |
| Average earning assets | $47,822,000 | 6,606 |
| Average equity | $7,885,600 | 5,963 |
| Average total loans | $36,593,800 | 6,274 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4711% | 4,572 |
| Cost of funding earning assets | 2.8907% | 478 |
| Net interest margin | 2.5804% | 7,375 |
| Noninterest income to average assets | 0.0371% | 7,703 |
| Noninterest expense to average assets | 4.2666% | 953 |
| Loan and lease loss provision to assets | 1.1275% | 1,736 |
| Net operating income to assets | -1.8851% | 7,268 |
| Return on assets (ROA) | -1.6225% | 7,164 |
| Pretax return on assets | -2.5912% | 7,382 |
| Return on Equity (ROE) | -10.2113% | 6,911 |
| Retained earnings to average equity (ytd only) | -10.2113% | 6,825 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 178.3186% | 208 |
| Assets per employee ($millions) | 3.5303% | 4,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 3,261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 74.5632% | 2,357 |
| Net loans and leases to deposits | 95.3801% | 1,661 |
| Net loans and leases to core deposits | 161.9511% | 353 |
| Total domestic deposits to total assets | 78.1747% | 6,029 |
| Equity capital to assets | 13.5381% | 1,482 |
| Core capital (leverage) ratio | 12.2231% | 1,698 |
| Tier 1 risk-based capital ratio | 17.0588% | 2,259 |
| Total risk-based capital ratio | 18.0663% | 2,283 |
| Memoranda: | ||
| Average total assets | $50,374,000 | 6,741 |
| Average earning assets | $45,986,000 | 6,736 |
| Average equity | $8,004,000 | 5,979 |
| Average total loans | $33,750,250 | 6,460 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3408% | 5,443 |
| Cost of funding earning assets | 3.0667% | 392 |
| Net interest margin | 2.2740% | 7,694 |
| Noninterest income to average assets | 0.0372% | 7,804 |
| Noninterest expense to average assets | 4.4231% | 842 |
| Loan and lease loss provision to assets | 0.5131% | 2,968 |
| Net operating income to assets | -1.7668% | 7,351 |
| Return on assets (ROA) | -1.7668% | 7,343 |
| Pretax return on assets | -2.8219% | 7,514 |
| Return on Equity (ROE) | -10.5134% | 7,076 |
| Retained earnings to average equity (ytd only) | -10.5134% | 6,926 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 209.1977% | 174 |
| Assets per employee ($millions) | 3.2738% | 5,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9778% | 6,400 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 64.4111% | 4,896 |
| Net loans and leases to deposits | 75.4425% | 5,253 |
| Net loans and leases to core deposits | 139.5515% | 1,036 |
| Total domestic deposits to total assets | 85.3778% | 3,075 |
| Equity capital to assets | 14.2018% | 1,249 |
| Core capital (leverage) ratio | 13.4690% | 1,281 |
| Tier 1 risk-based capital ratio | 18.1244% | 1,982 |
| Total risk-based capital ratio | 19.0450% | 2,020 |
| Memoranda: | ||
| Average total assets | $48,337,000 | 6,892 |
| Average earning assets | $44,151,000 | 6,876 |
| Average equity | $8,123,000 | 5,976 |
| Average total loans | $30,742,670 | 6,691 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1733% | 6,401 |
| Cost of funding earning assets | 3.1566% | 390 |
| Net interest margin | 2.0167% | 7,889 |
| Noninterest income to average assets | 0.0358% | 7,898 |
| Noninterest expense to average assets | 4.6466% | 624 |
| Loan and lease loss provision to assets | 0.5640% | 2,227 |
| Net operating income to assets | -2.0771% | 7,681 |
| Return on assets (ROA) | -2.0771% | 7,677 |
| Pretax return on assets | -3.3215% | 7,813 |
| Return on Equity (ROE) | -11.2724% | 7,438 |
| Retained earnings to average equity (ytd only) | -11.2724% | 7,223 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 245.9716% | 130 |
| Assets per employee ($millions) | 3.1246% | 5,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9400% | 6,555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 61.7626% | 5,378 |
| Net loans and leases to deposits | 74.1309% | 5,463 |
| Net loans and leases to core deposits | 143.1612% | 963 |
| Total domestic deposits to total assets | 83.3157% | 3,993 |
| Equity capital to assets | 16.2643% | 828 |
| Core capital (leverage) ratio | 16.1318% | 762 |
| Tier 1 risk-based capital ratio | 20.1478% | 1,600 |
| Total risk-based capital ratio | 20.9588% | 1,627 |
| Memoranda: | ||
| Average total assets | $44,678,000 | 7,073 |
| Average earning assets | $41,057,000 | 7,057 |
| Average equity | $8,232,500 | 5,977 |
| Average total loans | $28,013,000 | 6,882 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0867% | 7,781 |
| Cost of funding earning assets | 3.0641% | 1,626 |
| Net interest margin | 2.0226% | 8,049 |
| Noninterest income to average assets | 0.0254% | 8,006 |
| Noninterest expense to average assets | 5.3438% | 542 |
| Loan and lease loss provision to assets | 0.7188% | 2,057 |
| Net operating income to assets | -2.6175% | 7,737 |
| Return on assets (ROA) | -2.6175% | 7,709 |
| Pretax return on assets | -4.2112% | 7,928 |
| Return on Equity (ROE) | -8.4086% | 7,148 |
| Retained earnings to average equity (ytd only) | -8.4086% | 6,913 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 288.6275% | 113 |
| Assets per employee ($millions) | 2.4602% | 7,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9253% | 6,526 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 62.5613% | 5,529 |
| Net loans and leases to deposits | 79.7991% | 5,076 |
| Net loans and leases to core deposits | 178.4881% | 304 |
| Total domestic deposits to total assets | 78.3985% | 5,581 |
| Equity capital to assets | 21.1722% | 391 |
| Core capital (leverage) ratio | 21.8400% | 342 |
| Tier 1 risk-based capital ratio | 25.7679% | 922 |
| Total risk-based capital ratio | 26.5425% | 939 |
| Memoranda: | ||
| Average total assets | $27,545,800 | 7,748 |
| Average earning assets | $24,868,600 | 7,749 |
| Average equity | $8,574,600 | 5,882 |
| Average total loans | $11,569,000 | 7,859 |