Home > Progressive-Home Federal Savings and Loan Association > Performance and Condition Ratios
Progressive-Home Federal Savings and Loan Association, Performance and Condition Ratios
| 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 | 3.5591% | 4,616 |
| Cost of funding earning assets | 0.7297% | 701 |
| Net interest margin | 2.8294% | 5,244 |
| Noninterest income to average assets | 0.0562% | 5,754 |
| Noninterest expense to average assets | 2.7656% | 3,138 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.0098% | 5,651 |
| Return on assets (ROA) | 0.1046% | 5,589 |
| Pretax return on assets | 0.1453% | 5,548 |
| Return on Equity (ROE) | 0.7419% | 5,599 |
| Retained earnings to average equity (ytd only) | 0.7419% | 5,030 |
| Net charge-offs to loans | -0.0033% | 4,754 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4926% | 217 |
| Assets per employee ($millions) | 4.6567% | 2,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 4,124 |
| Loan loss allowance to noncurrent loans | 75.1756% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 0.8336% | 2,260 |
| Noncurrent loans to loans | 1.3744% | 1,491 |
| Net loans and leases to total assets | 60.0266% | 3,850 |
| Net loans and leases to deposits | 81.5532% | 2,719 |
| Net loans and leases to core deposits | 84.4076% | 2,988 |
| Total domestic deposits to total assets | 73.6042% | 5,468 |
| Equity capital to assets | 13.7592% | 967 |
| Core capital (leverage) ratio | 12.1840% | 1,482 |
| Tier 1 risk-based capital ratio | 24.7913% | 789 |
| Total risk-based capital ratio | 26.0699% | 775 |
| Memoranda: | ||
| Average total assets | $51,634,400 | 5,314 |
| Average earning assets | $49,197,200 | 5,264 |
| Average equity | $7,278,400 | 5,044 |
| Average total loans | $30,681,000 | 5,168 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5513% | 4,675 |
| Cost of funding earning assets | 0.7243% | 722 |
| Net interest margin | 2.8270% | 5,310 |
| Noninterest income to average assets | 0.0644% | 5,799 |
| Noninterest expense to average assets | 2.7807% | 3,071 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.0152% | 5,725 |
| Return on assets (ROA) | 0.1082% | 5,670 |
| Pretax return on assets | 0.1417% | 5,636 |
| Return on Equity (ROE) | 0.7634% | 5,670 |
| Retained earnings to average equity (ytd only) | 0.7634% | 5,161 |
| Net charge-offs to loans | -0.0043% | 4,593 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7470% | 217 |
| Assets per employee ($millions) | 4.7069% | 2,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 4,222 |
| Loan loss allowance to noncurrent loans | 66.8750% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 0.9271% | 2,245 |
| Noncurrent loans to loans | 1.5448% | 1,402 |
| Net loans and leases to total assets | 59.3905% | 3,956 |
| Net loans and leases to deposits | 81.5261% | 2,794 |
| Net loans and leases to core deposits | 84.3783% | 3,090 |
| Total domestic deposits to total assets | 72.8484% | 5,536 |
| Equity capital to assets | 14.2943% | 931 |
| Core capital (leverage) ratio | 12.3981% | 1,442 |
| Tier 1 risk-based capital ratio | 25.2348% | 788 |
| Total risk-based capital ratio | 26.5060% | 767 |
| Memoranda: | ||
| Average total assets | $51,737,000 | 5,364 |
| Average earning assets | $49,332,750 | 5,313 |
| Average equity | $7,336,000 | 5,086 |
| Average total loans | $30,584,000 | 5,221 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5727% | 4,674 |
| Cost of funding earning assets | 0.7259% | 700 |
| Net interest margin | 2.8468% | 5,353 |
| Noninterest income to average assets | 0.0425% | 5,930 |
| Noninterest expense to average assets | 2.6216% | 3,655 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0732% | 5,700 |
| Return on assets (ROA) | 0.1895% | 5,599 |
| Pretax return on assets | 0.3171% | 5,477 |
| Return on Equity (ROE) | 1.3398% | 5,635 |
| Retained earnings to average equity (ytd only) | 1.3398% | 4,846 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0912% | 378 |
| Assets per employee ($millions) | 4.6705% | 2,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 4,305 |
| Loan loss allowance to noncurrent loans | 77.8589% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 0.8000% | 2,593 |
| Noncurrent loans to loans | 1.3318% | 1,689 |
| Net loans and leases to total assets | 59.4453% | 3,956 |
| Net loans and leases to deposits | 81.1608% | 2,795 |
| Net loans and leases to core deposits | 84.0073% | 3,080 |
| Total domestic deposits to total assets | 73.2438% | 5,588 |
| Equity capital to assets | 14.4954% | 872 |
| Core capital (leverage) ratio | 12.4801% | 1,365 |
| Tier 1 risk-based capital ratio | 25.3847% | 780 |
| Total risk-based capital ratio | 26.6557% | 759 |
| Memoranda: | ||
| Average total assets | $51,724,000 | 5,424 |
| Average earning assets | $49,319,000 | 5,371 |
| Average equity | $7,314,330 | 5,137 |
| Average total loans | $30,421,670 | 5,281 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6162% | 4,579 |
| Cost of funding earning assets | 0.7281% | 700 |
| Net interest margin | 2.8881% | 5,343 |
| Noninterest income to average assets | 0.0385% | 5,997 |
| Noninterest expense to average assets | 2.6513% | 3,572 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0718% | 5,720 |
| Return on assets (ROA) | 0.2543% | 5,496 |
| Pretax return on assets | 0.4239% | 5,258 |
| Return on Equity (ROE) | 1.8212% | 5,542 |
| Retained earnings to average equity (ytd only) | 1.8212% | 4,532 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0276% | 419 |
| Assets per employee ($millions) | 4.7000% | 2,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 4,293 |
| Loan loss allowance to noncurrent loans | 87.9121% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 0.7041% | 2,952 |
| Noncurrent loans to loans | 1.2045% | 2,020 |
| Net loans and leases to total assets | 57.8356% | 4,062 |
| Net loans and leases to deposits | 78.5731% | 2,943 |
| Net loans and leases to core deposits | 81.2969% | 3,202 |
| Total domestic deposits to total assets | 73.6074% | 5,648 |
| Equity capital to assets | 14.2089% | 914 |
| Core capital (leverage) ratio | 12.2495% | 1,464 |
| Tier 1 risk-based capital ratio | 25.4775% | 776 |
| Total risk-based capital ratio | 26.7507% | 762 |
| Memoranda: | ||
| Average total assets | $51,898,500 | 5,473 |
| Average earning assets | $49,444,000 | 5,414 |
| Average equity | $7,248,000 | 5,182 |
| Average total loans | $30,202,500 | 5,332 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5990% | 4,680 |
| Cost of funding earning assets | 0.7476% | 648 |
| Net interest margin | 2.8514% | 5,421 |
| Noninterest income to average assets | 0.0549% | 5,991 |
| Noninterest expense to average assets | 2.5496% | 4,074 |
| Loan and lease loss provision to assets | 0.0076% | 4,246 |
| Net operating income to assets | 0.1857% | 5,607 |
| Return on assets (ROA) | 0.2366% | 5,573 |
| Pretax return on assets | 0.2801% | 5,559 |
| Return on Equity (ROE) | 1.7346% | 5,639 |
| Retained earnings to average equity (ytd only) | 1.7346% | 4,736 |
| Net charge-offs to loans | 0.0034% | 4,341 |
| Credit loss provision to net charge-offs | 400.0000% | 761 |
| Earnings coverage of net charge-offs (x) | 120.0000% | 505 |
| Efficiency ratio | 91.8200% | 579 |
| Assets per employee ($millions) | 4.7361% | 2,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0602% | 4,261 |
| Loan loss allowance to noncurrent loans | 75.4717% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 0.8139% | 2,640 |
| Noncurrent loans to loans | 1.4047% | 1,661 |
| Net loans and leases to total assets | 57.3238% | 4,166 |
| Net loans and leases to deposits | 77.7688% | 3,078 |
| Net loans and leases to core deposits | 80.4396% | 3,300 |
| Total domestic deposits to total assets | 73.7106% | 5,676 |
| Equity capital to assets | 13.7244% | 1,032 |
| Core capital (leverage) ratio | 11.9678% | 1,636 |
| Tier 1 risk-based capital ratio | 24.6058% | 850 |
| Total risk-based capital ratio | 25.8825% | 833 |
| Memoranda: | ||
| Average total assets | $52,831,400 | 5,485 |
| Average earning assets | $50,430,600 | 5,424 |
| Average equity | $7,206,400 | 5,208 |
| Average total loans | $29,715,000 | 5,369 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5910% | 4,769 |
| Cost of funding earning assets | 0.7503% | 646 |
| Net interest margin | 2.8407% | 5,512 |
| Noninterest income to average assets | 0.0579% | 6,071 |
| Noninterest expense to average assets | 2.4973% | 4,202 |
| Loan and lease loss provision to assets | 0.0101% | 4,068 |
| Net operating income to assets | 0.2213% | 5,638 |
| Return on assets (ROA) | 0.2741% | 5,604 |
| Pretax return on assets | 0.3269% | 5,603 |
| Return on Equity (ROE) | 2.0127% | 5,662 |
| Retained earnings to average equity (ytd only) | 2.0127% | 4,875 |
| Net charge-offs to loans | 0.0045% | 4,016 |
| Credit loss provision to net charge-offs | 400.0000% | 757 |
| Earnings coverage of net charge-offs (x) | 109.2707% | 580 |
| Efficiency ratio | 90.1089% | 692 |
| Assets per employee ($millions) | 4.7971% | 2,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 4,341 |
| Loan loss allowance to noncurrent loans | 74.9415% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 0.8092% | 2,862 |
| Noncurrent loans to loans | 1.4405% | 1,747 |
| Net loans and leases to total assets | 55.5697% | 4,403 |
| Net loans and leases to deposits | 75.2586% | 3,394 |
| Net loans and leases to core deposits | 78.6456% | 3,549 |
| Total domestic deposits to total assets | 73.8383% | 5,725 |
| Equity capital to assets | 13.7924% | 1,105 |
| Core capital (leverage) ratio | 11.9205% | 1,720 |
| Tier 1 risk-based capital ratio | 24.9367% | 861 |
| Total risk-based capital ratio | 26.2109% | 851 |
| Memoranda: | ||
| Average total assets | $53,015,000 | 5,553 |
| Average earning assets | $50,644,000 | 5,488 |
| Average equity | $7,220,500 | 5,275 |
| Average total loans | $29,597,750 | 5,440 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6216% | 4,661 |
| Cost of funding earning assets | 0.7566% | 622 |
| Net interest margin | 2.8650% | 5,502 |
| Noninterest income to average assets | 0.0603% | 6,141 |
| Noninterest expense to average assets | 2.5124% | 4,202 |
| Loan and lease loss provision to assets | 0.0151% | 3,821 |
| Net operating income to assets | 0.1632% | 5,782 |
| Return on assets (ROA) | 0.1921% | 5,777 |
| Pretax return on assets | 0.3164% | 5,637 |
| Return on Equity (ROE) | 1.4164% | 5,812 |
| Retained earnings to average equity (ytd only) | 1.4164% | 4,982 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7712% | 773 |
| Assets per employee ($millions) | 4.8074% | 2,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 4,467 |
| Loan loss allowance to noncurrent loans | 110.6897% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 0.5484% | 3,783 |
| Noncurrent loans to loans | 0.9698% | 2,708 |
| Net loans and leases to total assets | 55.9426% | 4,344 |
| Net loans and leases to deposits | 75.8480% | 3,289 |
| Net loans and leases to core deposits | 79.2579% | 3,468 |
| Total domestic deposits to total assets | 73.7562% | 5,813 |
| Equity capital to assets | 13.4774% | 1,179 |
| Core capital (leverage) ratio | 11.6744% | 1,859 |
| Tier 1 risk-based capital ratio | 24.2277% | 934 |
| Total risk-based capital ratio | 25.5023% | 923 |
| Memoranda: | ||
| Average total assets | $53,097,330 | 5,611 |
| Average earning assets | $50,750,670 | 5,546 |
| Average equity | $7,201,330 | 5,318 |
| Average total loans | $29,582,670 | 5,490 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7395% | 4,232 |
| Cost of funding earning assets | 0.7637% | 607 |
| Net interest margin | 2.9759% | 5,281 |
| Noninterest income to average assets | 0.0451% | 6,244 |
| Noninterest expense to average assets | 2.5712% | 4,025 |
| Loan and lease loss provision to assets | 0.0301% | 3,291 |
| Net operating income to assets | 0.1678% | 5,748 |
| Return on assets (ROA) | 0.2255% | 5,708 |
| Pretax return on assets | 0.3759% | 5,478 |
| Return on Equity (ROE) | 1.6578% | 5,767 |
| Retained earnings to average equity (ytd only) | 1.6578% | 4,809 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0625% | 932 |
| Assets per employee ($millions) | 4.8099% | 2,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1014% | 4,515 |
| Loan loss allowance to noncurrent loans | 113.4276% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.5349% | 3,891 |
| Noncurrent loans to loans | 0.9710% | 2,828 |
| Net loans and leases to total assets | 54.4784% | 4,375 |
| Net loans and leases to deposits | 73.9380% | 3,324 |
| Net loans and leases to core deposits | 77.2616% | 3,455 |
| Total domestic deposits to total assets | 73.6812% | 5,926 |
| Equity capital to assets | 13.7614% | 1,069 |
| Core capital (leverage) ratio | 11.7546% | 1,808 |
| Tier 1 risk-based capital ratio | 25.5115% | 836 |
| Total risk-based capital ratio | 26.7622% | 815 |
| Memoranda: | ||
| Average total assets | $53,205,500 | 5,661 |
| Average earning assets | $50,808,500 | 5,601 |
| Average equity | $7,238,500 | 5,357 |
| Average total loans | $29,422,000 | 5,544 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7605% | 4,620 |
| Cost of funding earning assets | 0.8007% | 649 |
| Net interest margin | 2.9598% | 5,532 |
| Noninterest income to average assets | 0.0549% | 6,278 |
| Noninterest expense to average assets | 2.5674% | 4,333 |
| Loan and lease loss provision to assets | 0.0322% | 3,954 |
| Net operating income to assets | 0.1760% | 5,813 |
| Return on assets (ROA) | 0.2384% | 5,741 |
| Pretax return on assets | 0.3614% | 5,584 |
| Return on Equity (ROE) | 1.8065% | 5,817 |
| Retained earnings to average equity (ytd only) | 1.8065% | 4,909 |
| Net charge-offs to loans | 0.0445% | 3,937 |
| Credit loss provision to net charge-offs | 130.7692% | 1,824 |
| Earnings coverage of net charge-offs (x) | 12.1538% | 2,411 |
| Efficiency ratio | 89.5710% | 871 |
| Assets per employee ($millions) | 4.8638% | 2,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 4,717 |
| Loan loss allowance to noncurrent loans | 102.9221% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 0.5757% | 3,867 |
| Noncurrent loans to loans | 1.0371% | 2,751 |
| Net loans and leases to total assets | 54.9176% | 4,460 |
| Net loans and leases to deposits | 75.0326% | 3,308 |
| Net loans and leases to core deposits | 78.3896% | 3,478 |
| Total domestic deposits to total assets | 73.1917% | 6,002 |
| Equity capital to assets | 13.4500% | 1,183 |
| Core capital (leverage) ratio | 11.6146% | 1,890 |
| Tier 1 risk-based capital ratio | 24.9641% | 842 |
| Total risk-based capital ratio | 26.2154% | 830 |
| Memoranda: | ||
| Average total assets | $52,854,600 | 5,722 |
| Average earning assets | $50,206,000 | 5,672 |
| Average equity | $6,974,800 | 5,422 |
| Average total loans | $29,225,800 | 5,591 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7747% | 4,639 |
| Cost of funding earning assets | 0.7949% | 703 |
| Net interest margin | 2.9797% | 5,545 |
| Noninterest income to average assets | 0.0633% | 6,351 |
| Noninterest expense to average assets | 2.5278% | 4,438 |
| Loan and lease loss provision to assets | 0.0304% | 3,802 |
| Net operating income to assets | 0.2245% | 5,800 |
| Return on assets (ROA) | 0.2606% | 5,774 |
| Pretax return on assets | 0.3846% | 5,611 |
| Return on Equity (ROE) | 1.9847% | 5,846 |
| Retained earnings to average equity (ytd only) | 1.9847% | 5,063 |
| Net charge-offs to loans | 0.0321% | 3,845 |
| Credit loss provision to net charge-offs | 171.4286% | 1,443 |
| Earnings coverage of net charge-offs (x) | 20.4352% | 1,737 |
| Efficiency ratio | 87.4781% | 1,050 |
| Assets per employee ($millions) | 4.7997% | 2,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0733% | 4,864 |
| Loan loss allowance to noncurrent loans | 121.3740% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.4962% | 4,400 |
| Noncurrent loans to loans | 0.8843% | 3,360 |
| Net loans and leases to total assets | 55.5164% | 4,394 |
| Net loans and leases to deposits | 75.3109% | 3,274 |
| Net loans and leases to core deposits | 78.6999% | 3,471 |
| Total domestic deposits to total assets | 73.7163% | 6,040 |
| Equity capital to assets | 13.3871% | 1,241 |
| Core capital (leverage) ratio | 11.5887% | 1,988 |
| Tier 1 risk-based capital ratio | 24.8755% | 895 |
| Total risk-based capital ratio | 26.1247% | 880 |
| Memoranda: | ||
| Average total assets | $52,692,750 | 5,791 |
| Average earning assets | $49,981,000 | 5,741 |
| Average equity | $6,919,500 | 5,484 |
| Average total loans | $29,107,500 | 5,657 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7979% | 4,535 |
| Cost of funding earning assets | 0.7812% | 785 |
| Net interest margin | 3.0167% | 5,473 |
| Noninterest income to average assets | 0.0608% | 6,409 |
| Noninterest expense to average assets | 2.5409% | 4,452 |
| Loan and lease loss provision to assets | 0.0266% | 3,744 |
| Net operating income to assets | 0.2488% | 5,719 |
| Return on assets (ROA) | 0.3000% | 5,634 |
| Pretax return on assets | 0.4254% | 5,489 |
| Return on Equity (ROE) | 2.2999% | 5,760 |
| Retained earnings to average equity (ytd only) | 2.2999% | 4,733 |
| Net charge-offs to loans | 0.0484% | 3,284 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 14.2857% | 1,917 |
| Efficiency ratio | 86.9961% | 1,182 |
| Assets per employee ($millions) | 4.8154% | 2,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 5,016 |
| Loan loss allowance to noncurrent loans | 134.9138% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 4,696 |
| Noncurrent loans to loans | 0.7949% | 3,707 |
| Net loans and leases to total assets | 54.5074% | 4,482 |
| Net loans and leases to deposits | 73.8018% | 3,346 |
| Net loans and leases to core deposits | 74.5661% | 3,776 |
| Total domestic deposits to total assets | 73.8564% | 6,125 |
| Equity capital to assets | 13.3342% | 1,219 |
| Core capital (leverage) ratio | 11.4485% | 2,049 |
| Tier 1 risk-based capital ratio | 24.9464% | 876 |
| Total risk-based capital ratio | 26.1990% | 865 |
| Memoranda: | ||
| Average total assets | $52,658,000 | 5,842 |
| Average earning assets | $49,922,670 | 5,791 |
| Average equity | $6,870,000 | 5,517 |
| Average total loans | $28,933,670 | 5,701 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8301% | 4,359 |
| Cost of funding earning assets | 0.7885% | 791 |
| Net interest margin | 3.0415% | 5,409 |
| Noninterest income to average assets | 0.0686% | 6,428 |
| Noninterest expense to average assets | 2.5523% | 4,437 |
| Loan and lease loss provision to assets | 0.0381% | 3,303 |
| Net operating income to assets | 0.2133% | 5,763 |
| Return on assets (ROA) | 0.2133% | 5,818 |
| Pretax return on assets | 0.3581% | 5,574 |
| Return on Equity (ROE) | 1.6535% | 5,882 |
| Retained earnings to average equity (ytd only) | 1.6535% | 4,953 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5633% | 1,382 |
| Assets per employee ($millions) | 4.7691% | 2,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 5,135 |
| Loan loss allowance to noncurrent loans | 126.6932% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.4785% | 4,704 |
| Noncurrent loans to loans | 0.8654% | 3,729 |
| Net loans and leases to total assets | 54.6798% | 4,325 |
| Net loans and leases to deposits | 73.8828% | 3,078 |
| Net loans and leases to core deposits | 74.6539% | 3,574 |
| Total domestic deposits to total assets | 74.0088% | 6,240 |
| Equity capital to assets | 13.1281% | 1,247 |
| Core capital (leverage) ratio | 11.3003% | 2,134 |
| Tier 1 risk-based capital ratio | 24.3489% | 955 |
| Total risk-based capital ratio | 25.5861% | 945 |
| Memoranda: | ||
| Average total assets | $52,502,500 | 5,902 |
| Average earning assets | $49,712,000 | 5,847 |
| Average equity | $6,773,500 | 5,571 |
| Average total loans | $28,808,000 | 5,757 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7607% | 4,944 |
| Cost of funding earning assets | 0.8243% | 1,071 |
| Net interest margin | 2.9364% | 5,717 |
| Noninterest income to average assets | 0.0478% | 6,553 |
| Noninterest expense to average assets | 2.5680% | 4,557 |
| Loan and lease loss provision to assets | 0.0402% | 4,316 |
| Net operating income to assets | 0.1604% | 5,919 |
| Return on assets (ROA) | 0.2392% | 5,782 |
| Pretax return on assets | 0.3387% | 5,630 |
| Return on Equity (ROE) | 1.7828% | 5,909 |
| Retained earnings to average equity (ytd only) | 1.7828% | 4,966 |
| Net charge-offs to loans | 0.0812% | 4,076 |
| Credit loss provision to net charge-offs | 95.4545% | 2,620 |
| Earnings coverage of net charge-offs (x) | 6.3636% | 3,081 |
| Efficiency ratio | 90.5533% | 979 |
| Assets per employee ($millions) | 4.7768% | 2,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 5,183 |
| Loan loss allowance to noncurrent loans | 115.0735% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.5177% | 4,693 |
| Noncurrent loans to loans | 0.9506% | 3,612 |
| Net loans and leases to total assets | 53.8586% | 4,595 |
| Net loans and leases to deposits | 72.1203% | 3,506 |
| Net loans and leases to core deposits | 72.8630% | 3,972 |
| Total domestic deposits to total assets | 74.6788% | 6,230 |
| Equity capital to assets | 12.6749% | 1,432 |
| Core capital (leverage) ratio | 11.1031% | 2,293 |
| Tier 1 risk-based capital ratio | 23.8702% | 967 |
| Total risk-based capital ratio | 25.1197% | 956 |
| Memoranda: | ||
| Average total assets | $52,259,400 | 5,961 |
| Average earning assets | $49,619,000 | 5,902 |
| Average equity | $7,011,400 | 5,566 |
| Average total loans | $27,093,000 | 5,890 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7442% | 5,048 |
| Cost of funding earning assets | 0.8359% | 1,116 |
| Net interest margin | 2.9082% | 5,797 |
| Noninterest income to average assets | 0.0485% | 6,640 |
| Noninterest expense to average assets | 2.4322% | 4,930 |
| Loan and lease loss provision to assets | 0.0537% | 3,962 |
| Net operating income to assets | 0.2284% | 5,843 |
| Return on assets (ROA) | 0.3321% | 5,614 |
| Pretax return on assets | 0.4752% | 5,434 |
| Return on Equity (ROE) | 2.4415% | 5,810 |
| Retained earnings to average equity (ytd only) | 2.4415% | 4,866 |
| Net charge-offs to loans | 0.1248% | 3,286 |
| Credit loss provision to net charge-offs | 84.0000% | 2,748 |
| Earnings coverage of net charge-offs (x) | 5.9604% | 3,066 |
| Efficiency ratio | 86.4668% | 1,320 |
| Assets per employee ($millions) | 4.3329% | 3,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1030% | 5,317 |
| Loan loss allowance to noncurrent loans | 89.8551% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 0.6635% | 4,450 |
| Noncurrent loans to loans | 1.2275% | 3,355 |
| Net loans and leases to total assets | 53.4590% | 4,693 |
| Net loans and leases to deposits | 70.7710% | 3,673 |
| Net loans and leases to core deposits | 71.4991% | 4,147 |
| Total domestic deposits to total assets | 75.5380% | 6,220 |
| Equity capital to assets | 13.1763% | 1,250 |
| Core capital (leverage) ratio | 11.3189% | 2,181 |
| Tier 1 risk-based capital ratio | 24.2590% | 961 |
| Total risk-based capital ratio | 25.5094% | 942 |
| Memoranda: | ||
| Average total assets | $52,188,000 | 6,029 |
| Average earning assets | $49,604,750 | 5,964 |
| Average equity | $7,099,250 | 5,608 |
| Average total loans | $26,713,000 | 5,958 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7576% | 4,968 |
| Cost of funding earning assets | 0.8408% | 1,196 |
| Net interest margin | 2.9167% | 5,763 |
| Noninterest income to average assets | 0.0421% | 6,694 |
| Noninterest expense to average assets | 2.4229% | 4,987 |
| Loan and lease loss provision to assets | 0.0536% | 3,916 |
| Net operating income to assets | 0.1934% | 5,916 |
| Return on assets (ROA) | 0.3330% | 5,639 |
| Pretax return on assets | 0.5588% | 5,169 |
| Return on Equity (ROE) | 2.4227% | 5,825 |
| Retained earnings to average equity (ytd only) | 2.4227% | 4,757 |
| Net charge-offs to loans | 0.1905% | 2,614 |
| Credit loss provision to net charge-offs | 56.0000% | 3,102 |
| Earnings coverage of net charge-offs (x) | 4.1200% | 3,210 |
| Efficiency ratio | 86.0054% | 1,413 |
| Assets per employee ($millions) | 4.3159% | 3,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1089% | 5,408 |
| Loan loss allowance to noncurrent loans | 135.8744% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.4306% | 5,200 |
| Noncurrent loans to loans | 0.8161% | 4,279 |
| Net loans and leases to total assets | 52.1732% | 4,837 |
| Net loans and leases to deposits | 68.3816% | 3,955 |
| Net loans and leases to core deposits | 69.0809% | 4,380 |
| Total domestic deposits to total assets | 76.2970% | 6,220 |
| Equity capital to assets | 13.1934% | 1,262 |
| Core capital (leverage) ratio | 11.2922% | 2,095 |
| Tier 1 risk-based capital ratio | 24.5464% | 927 |
| Total risk-based capital ratio | 25.7988% | 909 |
| Memoranda: | ||
| Average total assets | $52,252,330 | 6,067 |
| Average earning assets | $49,713,000 | 6,004 |
| Average equity | $7,182,000 | 5,637 |
| Average total loans | $26,248,670 | 6,012 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7678% | 4,933 |
| Cost of funding earning assets | 0.8480% | 1,263 |
| Net interest margin | 2.9199% | 5,772 |
| Noninterest income to average assets | 0.0381% | 6,771 |
| Noninterest expense to average assets | 2.4313% | 5,013 |
| Loan and lease loss provision to assets | 0.0534% | 3,734 |
| Net operating income to assets | 0.2009% | 5,888 |
| Return on assets (ROA) | 0.2058% | 5,983 |
| Pretax return on assets | 0.3430% | 5,741 |
| Return on Equity (ROE) | 1.4681% | 6,099 |
| Retained earnings to average equity (ytd only) | 1.4681% | 5,255 |
| Net charge-offs to loans | 0.3889% | 1,480 |
| Credit loss provision to net charge-offs | 28.0000% | 2,915 |
| Earnings coverage of net charge-offs (x) | 2.0400% | 3,152 |
| Efficiency ratio | 86.2162% | 1,484 |
| Assets per employee ($millions) | 4.3830% | 3,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 5,470 |
| Loan loss allowance to noncurrent loans | 155.7895% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.3612% | 5,507 |
| Noncurrent loans to loans | 0.7274% | 4,675 |
| Net loans and leases to total assets | 49.1026% | 5,100 |
| Net loans and leases to deposits | 64.7284% | 4,223 |
| Net loans and leases to core deposits | 65.3839% | 4,605 |
| Total domestic deposits to total assets | 75.8594% | 6,376 |
| Equity capital to assets | 13.9022% | 1,063 |
| Core capital (leverage) ratio | 11.5374% | 1,856 |
| Tier 1 risk-based capital ratio | 25.5196% | 837 |
| Total risk-based capital ratio | 26.7684% | 825 |
| Memoranda: | ||
| Average total assets | $52,483,000 | 6,113 |
| Average earning assets | $50,002,000 | 6,052 |
| Average equity | $7,356,500 | 5,647 |
| Average total loans | $25,711,000 | 6,080 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9857% | 5,360 |
| Cost of funding earning assets | 1.0004% | 1,359 |
| Net interest margin | 2.9853% | 6,081 |
| Noninterest income to average assets | 0.0284% | 6,759 |
| Noninterest expense to average assets | 2.5979% | 4,753 |
| Loan and lease loss provision to assets | 0.0568% | 5,072 |
| Net operating income to assets | 0.1260% | 5,956 |
| Return on assets (ROA) | 0.2895% | 5,715 |
| Pretax return on assets | 0.4692% | 5,373 |
| Return on Equity (ROE) | 2.0829% | 5,874 |
| Retained earnings to average equity (ytd only) | 2.0829% | 4,761 |
| Net charge-offs to loans | 0.1155% | 4,530 |
| Credit loss provision to net charge-offs | 103.4483% | 2,897 |
| Earnings coverage of net charge-offs (x) | 4.9310% | 3,202 |
| Efficiency ratio | 90.5673% | 1,016 |
| Assets per employee ($millions) | 4.3642% | 3,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 4,924 |
| Loan loss allowance to noncurrent loans | 475.7576% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.1260% | 6,258 |
| Noncurrent loans to loans | 0.2609% | 5,832 |
| Net loans and leases to total assets | 47.7105% | 5,440 |
| Net loans and leases to deposits | 62.7615% | 4,686 |
| Net loans and leases to core deposits | 63.3969% | 5,025 |
| Total domestic deposits to total assets | 76.0187% | 6,350 |
| Equity capital to assets | 14.1321% | 991 |
| Core capital (leverage) ratio | 11.6436% | 1,773 |
| Tier 1 risk-based capital ratio | 26.0495% | 768 |
| Total risk-based capital ratio | 27.3023% | 757 |
| Memoranda: | ||
| Average total assets | $52,851,000 | 6,120 |
| Average earning assets | $50,280,000 | 6,040 |
| Average equity | $7,345,400 | 5,682 |
| Average total loans | $25,109,400 | 6,188 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0178% | 5,468 |
| Cost of funding earning assets | 1.0216% | 1,443 |
| Net interest margin | 2.9961% | 6,179 |
| Noninterest income to average assets | 0.0176% | 6,892 |
| Noninterest expense to average assets | 2.5523% | 4,907 |
| Loan and lease loss provision to assets | 0.0755% | 4,706 |
| Net operating income to assets | 0.1425% | 6,046 |
| Return on assets (ROA) | 0.3599% | 5,608 |
| Pretax return on assets | 0.5789% | 5,235 |
| Return on Equity (ROE) | 2.6006% | 5,850 |
| Retained earnings to average equity (ytd only) | 2.6006% | 5,010 |
| Net charge-offs to loans | 0.1543% | 3,881 |
| Credit loss provision to net charge-offs | 103.4483% | 2,845 |
| Earnings coverage of net charge-offs (x) | 4.3098% | 3,339 |
| Efficiency ratio | 89.0255% | 1,113 |
| Assets per employee ($millions) | 4.4311% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 5,038 |
| Loan loss allowance to noncurrent loans | 523.3333% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.1128% | 6,438 |
| Noncurrent loans to loans | 0.2392% | 6,008 |
| Net loans and leases to total assets | 46.5894% | 5,701 |
| Net loans and leases to deposits | 61.5861% | 5,011 |
| Net loans and leases to core deposits | 62.2031% | 5,342 |
| Total domestic deposits to total assets | 75.6493% | 6,435 |
| Equity capital to assets | 14.1256% | 1,107 |
| Core capital (leverage) ratio | 11.5660% | 1,938 |
| Tier 1 risk-based capital ratio | 26.2540% | 803 |
| Total risk-based capital ratio | 27.5069% | 784 |
| Memoranda: | ||
| Average total assets | $52,971,250 | 6,192 |
| Average earning assets | $50,374,750 | 6,103 |
| Average equity | $7,331,500 | 5,737 |
| Average total loans | $25,061,750 | 6,272 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0730% | 5,409 |
| Cost of funding earning assets | 1.0511% | 1,464 |
| Net interest margin | 3.0219% | 6,195 |
| Noninterest income to average assets | 0.0000% | 6,985 |
| Noninterest expense to average assets | 2.5707% | 4,877 |
| Loan and lease loss provision to assets | 0.0756% | 4,680 |
| Net operating income to assets | 0.1290% | 6,093 |
| Return on assets (ROA) | 0.4726% | 5,191 |
| Pretax return on assets | 0.7599% | 4,608 |
| Return on Equity (ROE) | 3.4380% | 5,512 |
| Retained earnings to average equity (ytd only) | 3.4380% | 4,313 |
| Net charge-offs to loans | 0.0319% | 4,930 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 19.7500% | 1,418 |
| Efficiency ratio | 89.5916% | 1,101 |
| Assets per employee ($millions) | 4.4723% | 2,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 5,012 |
| Loan loss allowance to noncurrent loans | 389.2857% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 6,402 |
| Noncurrent loans to loans | 0.3276% | 5,897 |
| Net loans and leases to total assets | 47.1640% | 5,697 |
| Net loans and leases to deposits | 61.0501% | 5,124 |
| Net loans and leases to core deposits | 61.6419% | 5,425 |
| Total domestic deposits to total assets | 77.2546% | 6,290 |
| Equity capital to assets | 13.7661% | 1,186 |
| Core capital (leverage) ratio | 11.2900% | 2,053 |
| Tier 1 risk-based capital ratio | 25.2844% | 875 |
| Total risk-based capital ratio | 26.5207% | 862 |
| Memoranda: | ||
| Average total assets | $52,904,000 | 6,234 |
| Average earning assets | $50,233,330 | 6,149 |
| Average equity | $7,271,670 | 5,768 |
| Average total loans | $25,053,330 | 6,317 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1416% | 5,309 |
| Cost of funding earning assets | 1.1018% | 1,403 |
| Net interest margin | 3.0399% | 6,211 |
| Noninterest income to average assets | 0.0305% | 7,008 |
| Noninterest expense to average assets | 2.5742% | 4,904 |
| Loan and lease loss provision to assets | 0.0762% | 4,442 |
| Net operating income to assets | 0.1380% | 6,150 |
| Return on assets (ROA) | 0.4646% | 5,177 |
| Pretax return on assets | 0.7692% | 4,532 |
| Return on Equity (ROE) | 3.3825% | 5,554 |
| Retained earnings to average equity (ytd only) | 3.3825% | 4,537 |
| Net charge-offs to loans | 0.0646% | 3,849 |
| Credit loss provision to net charge-offs | 250.0000% | 1,138 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 1,708 |
| Efficiency ratio | 88.4817% | 1,223 |
| Assets per employee ($millions) | 4.4050% | 3,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2705% | 5,156 |
| Loan loss allowance to noncurrent loans | 330.2083% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.1816% | 6,429 |
| Noncurrent loans to loans | 0.3848% | 5,906 |
| Net loans and leases to total assets | 46.6005% | 5,717 |
| Net loans and leases to deposits | 60.0088% | 5,144 |
| Net loans and leases to core deposits | 60.5963% | 5,478 |
| Total domestic deposits to total assets | 77.6561% | 6,315 |
| Equity capital to assets | 13.6701% | 1,162 |
| Core capital (leverage) ratio | 11.2231% | 2,092 |
| Tier 1 risk-based capital ratio | 24.8889% | 918 |
| Total risk-based capital ratio | 26.1400% | 905 |
| Memoranda: | ||
| Average total assets | $52,522,000 | 6,289 |
| Average earning assets | $49,739,000 | 6,204 |
| Average equity | $7,213,500 | 5,804 |
| Average total loans | $24,760,500 | 6,383 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4814% | 5,150 |
| Cost of funding earning assets | 1.3321% | 1,333 |
| Net interest margin | 3.1493% | 6,217 |
| Noninterest income to average assets | 0.0443% | 6,858 |
| Noninterest expense to average assets | 2.7233% | 4,651 |
| Loan and lease loss provision to assets | 0.0771% | 5,647 |
| Net operating income to assets | 0.1341% | 5,777 |
| Return on assets (ROA) | 0.1600% | 5,844 |
| Pretax return on assets | 0.2505% | 5,670 |
| Return on Equity (ROE) | 1.2220% | 5,907 |
| Retained earnings to average equity (ytd only) | 1.2220% | 5,280 |
| Net charge-offs to loans | 0.3359% | 3,714 |
| Credit loss provision to net charge-offs | 48.7805% | 5,449 |
| Earnings coverage of net charge-offs (x) | 1.8171% | 4,422 |
| Efficiency ratio | 90.4609% | 1,154 |
| Assets per employee ($millions) | 4.3487% | 3,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 5,106 |
| Loan loss allowance to noncurrent loans | 181.2865% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.3641% | 6,067 |
| Noncurrent loans to loans | 0.6959% | 5,308 |
| Net loans and leases to total assets | 46.4913% | 5,969 |
| Net loans and leases to deposits | 59.9155% | 5,488 |
| Net loans and leases to core deposits | 60.5103% | 5,796 |
| Total domestic deposits to total assets | 77.5947% | 6,261 |
| Equity capital to assets | 13.7992% | 1,139 |
| Core capital (leverage) ratio | 11.2674% | 2,069 |
| Tier 1 risk-based capital ratio | 24.5161% | 919 |
| Total risk-based capital ratio | 25.7651% | 910 |
| Memoranda: | ||
| Average total assets | $51,886,000 | 6,306 |
| Average earning assets | $48,868,600 | 6,231 |
| Average equity | $6,792,200 | 5,925 |
| Average total loans | $24,409,800 | 6,450 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5472% | 5,097 |
| Cost of funding earning assets | 1.3781% | 1,327 |
| Net interest margin | 3.1691% | 6,237 |
| Noninterest income to average assets | 0.0412% | 6,982 |
| Noninterest expense to average assets | 2.6737% | 4,826 |
| Loan and lease loss provision to assets | 0.0772% | 5,480 |
| Net operating income to assets | 0.1739% | 5,766 |
| Return on assets (ROA) | 0.2084% | 5,811 |
| Pretax return on assets | 0.3268% | 5,649 |
| Return on Equity (ROE) | 1.6143% | 5,897 |
| Retained earnings to average equity (ytd only) | 1.6143% | 5,332 |
| Net charge-offs to loans | 0.3884% | 3,170 |
| Credit loss provision to net charge-offs | 42.2535% | 5,194 |
| Earnings coverage of net charge-offs (x) | 1.9156% | 4,221 |
| Efficiency ratio | 88.4255% | 1,302 |
| Assets per employee ($millions) | 4.3719% | 3,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2881% | 5,062 |
| Loan loss allowance to noncurrent loans | 119.1571% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.5223% | 5,783 |
| Noncurrent loans to loans | 1.0810% | 4,750 |
| Net loans and leases to total assets | 45.4282% | 6,198 |
| Net loans and leases to deposits | 58.9211% | 5,755 |
| Net loans and leases to core deposits | 59.5051% | 6,027 |
| Total domestic deposits to total assets | 77.1001% | 6,366 |
| Equity capital to assets | 13.7335% | 1,272 |
| Core capital (leverage) ratio | 11.2066% | 2,226 |
| Tier 1 risk-based capital ratio | 24.9052% | 924 |
| Total risk-based capital ratio | 26.1522% | 909 |
| Memoranda: | ||
| Average total assets | $51,811,500 | 6,366 |
| Average earning assets | $48,761,750 | 6,291 |
| Average equity | $6,690,000 | 6,003 |
| Average total loans | $24,369,500 | 6,513 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5308% | 5,256 |
| Cost of funding earning assets | 1.4236% | 1,314 |
| Net interest margin | 3.1072% | 6,393 |
| Noninterest income to average assets | 0.0504% | 7,045 |
| Noninterest expense to average assets | 2.7677% | 4,555 |
| Loan and lease loss provision to assets | 0.0581% | 5,587 |
| Net operating income to assets | 0.0972% | 6,027 |
| Return on assets (ROA) | 0.1473% | 5,984 |
| Pretax return on assets | 0.2171% | 5,896 |
| Return on Equity (ROE) | 1.1659% | 6,046 |
| Retained earnings to average equity (ytd only) | 1.1659% | 5,397 |
| Net charge-offs to loans | 0.2782% | 3,498 |
| Credit loss provision to net charge-offs | 44.1176% | 4,729 |
| Earnings coverage of net charge-offs (x) | 1.5294% | 4,147 |
| Efficiency ratio | 93.2115% | 1,030 |
| Assets per employee ($millions) | 4.3759% | 3,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3707% | 4,727 |
| Loan loss allowance to noncurrent loans | 82.2222% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.7713% | 5,355 |
| Noncurrent loans to loans | 1.6670% | 3,924 |
| Net loans and leases to total assets | 45.6323% | 6,305 |
| Net loans and leases to deposits | 58.4097% | 5,884 |
| Net loans and leases to core deposits | 58.9805% | 6,193 |
| Total domestic deposits to total assets | 78.1246% | 6,264 |
| Equity capital to assets | 12.7269% | 1,659 |
| Core capital (leverage) ratio | 10.4695% | 2,742 |
| Tier 1 risk-based capital ratio | 23.4858% | 1,064 |
| Total risk-based capital ratio | 24.7349% | 1,048 |
| Memoranda: | ||
| Average total assets | $51,594,330 | 6,426 |
| Average earning assets | $48,468,670 | 6,354 |
| Average equity | $6,518,330 | 6,080 |
| Average total loans | $24,444,670 | 6,565 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4678% | 5,457 |
| Cost of funding earning assets | 1.4504% | 1,381 |
| Net interest margin | 3.0175% | 6,544 |
| Noninterest income to average assets | 0.0391% | 7,187 |
| Noninterest expense to average assets | 2.9099% | 4,023 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.0313% | 6,391 |
| Return on assets (ROA) | 0.0939% | 6,160 |
| Pretax return on assets | 0.1564% | 6,037 |
| Return on Equity (ROE) | 0.7458% | 6,203 |
| Retained earnings to average equity (ytd only) | 0.7458% | 5,528 |
| Net charge-offs to loans | 0.5547% | 2,110 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.1471% | 4,665 |
| Efficiency ratio | 101.3624% | 696 |
| Assets per employee ($millions) | 4.3152% | 3,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2845% | 5,206 |
| Loan loss allowance to noncurrent loans | 90.8571% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.6759% | 5,601 |
| Noncurrent loans to loans | 1.4138% | 4,353 |
| Net loans and leases to total assets | 47.1940% | 6,168 |
| Net loans and leases to deposits | 60.2901% | 5,696 |
| Net loans and leases to core deposits | 60.8849% | 6,026 |
| Total domestic deposits to total assets | 78.2782% | 6,337 |
| Equity capital to assets | 12.4039% | 1,678 |
| Core capital (leverage) ratio | 10.2069% | 2,921 |
| Tier 1 risk-based capital ratio | 22.4888% | 1,148 |
| Total risk-based capital ratio | 23.7406% | 1,125 |
| Memoranda: | ||
| Average total assets | $51,136,000 | 6,490 |
| Average earning assets | $47,987,500 | 6,414 |
| Average equity | $6,436,000 | 6,113 |
| Average total loans | $24,519,500 | 6,612 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7134% | 5,761 |
| Cost of funding earning assets | 1.6347% | 1,889 |
| Net interest margin | 3.0786% | 6,576 |
| Noninterest income to average assets | 0.0139% | 7,233 |
| Noninterest expense to average assets | 2.9685% | 3,966 |
| Loan and lease loss provision to assets | 0.0457% | 6,709 |
| Net operating income to assets | -0.0855% | 5,970 |
| Return on assets (ROA) | 0.1828% | 5,496 |
| Pretax return on assets | 0.3040% | 5,222 |
| Return on Equity (ROE) | 1.3862% | 5,589 |
| Retained earnings to average equity (ytd only) | 1.3862% | 4,848 |
| Net charge-offs to loans | 0.1074% | 5,802 |
| Credit loss provision to net charge-offs | 92.0000% | 5,044 |
| Earnings coverage of net charge-offs (x) | -1.4000% | 6,664 |
| Efficiency ratio | 102.3989% | 709 |
| Assets per employee ($millions) | 4.2075% | 3,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4496% | 4,282 |
| Loan loss allowance to noncurrent loans | 88.6650% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.7863% | 5,437 |
| Noncurrent loans to loans | 1.6349% | 4,049 |
| Net loans and leases to total assets | 47.3975% | 6,444 |
| Net loans and leases to deposits | 59.5521% | 6,109 |
| Net loans and leases to core deposits | 60.1433% | 6,381 |
| Total domestic deposits to total assets | 79.5900% | 5,941 |
| Equity capital to assets | 12.7728% | 1,497 |
| Core capital (leverage) ratio | 10.6166% | 2,447 |
| Tier 1 risk-based capital ratio | 22.6676% | 1,081 |
| Total risk-based capital ratio | 23.9199% | 1,062 |
| Memoranda: | ||
| Average total assets | $50,327,800 | 6,522 |
| Average earning assets | $47,163,800 | 6,471 |
| Average equity | $6,637,000 | 6,155 |
| Average total loans | $23,287,000 | 6,764 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7575% | 5,827 |
| Cost of funding earning assets | 1.6632% | 2,033 |
| Net interest margin | 3.0944% | 6,626 |
| Noninterest income to average assets | 0.0026% | 7,431 |
| Noninterest expense to average assets | 2.8290% | 4,354 |
| Loan and lease loss provision to assets | 0.0610% | 6,456 |
| Net operating income to assets | -0.0102% | 6,018 |
| Return on assets (ROA) | 0.2970% | 5,346 |
| Pretax return on assets | 0.4931% | 4,950 |
| Return on Equity (ROE) | 2.2341% | 5,515 |
| Retained earnings to average equity (ytd only) | 2.2341% | 4,826 |
| Net charge-offs to loans | 0.1505% | 5,102 |
| Credit loss provision to net charge-offs | 88.4615% | 4,826 |
| Earnings coverage of net charge-offs (x) | 1.0767% | 4,977 |
| Efficiency ratio | 97.4429% | 843 |
| Assets per employee ($millions) | 4.2683% | 3,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4788% | 4,052 |
| Loan loss allowance to noncurrent loans | 104.4643% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.6560% | 5,818 |
| Noncurrent loans to loans | 1.4156% | 4,495 |
| Net loans and leases to total assets | 45.6540% | 6,731 |
| Net loans and leases to deposits | 57.8254% | 6,477 |
| Net loans and leases to core deposits | 58.3943% | 6,704 |
| Total domestic deposits to total assets | 78.9516% | 6,033 |
| Equity capital to assets | 13.6060% | 1,311 |
| Core capital (leverage) ratio | 10.9190% | 2,319 |
| Tier 1 risk-based capital ratio | 23.9629% | 952 |
| Total risk-based capital ratio | 25.2176% | 925 |
| Memoranda: | ||
| Average total assets | $50,287,250 | 6,597 |
| Average earning assets | $47,138,000 | 6,553 |
| Average equity | $6,684,000 | 6,214 |
| Average total loans | $23,038,000 | 6,860 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8015% | 5,796 |
| Cost of funding earning assets | 1.7161% | 2,035 |
| Net interest margin | 3.0855% | 6,638 |
| Noninterest income to average assets | -0.0240% | 7,567 |
| Noninterest expense to average assets | 2.8373% | 4,323 |
| Loan and lease loss provision to assets | 0.0800% | 6,137 |
| Net operating income to assets | -0.0501% | 6,150 |
| Return on assets (ROA) | 0.2521% | 5,506 |
| Pretax return on assets | 0.4162% | 5,174 |
| Return on Equity (ROE) | 1.9123% | 5,662 |
| Retained earnings to average equity (ytd only) | 1.9123% | 4,914 |
| Net charge-offs to loans | 0.2280% | 4,231 |
| Credit loss provision to net charge-offs | 76.9231% | 4,791 |
| Earnings coverage of net charge-offs (x) | 0.2308% | 5,497 |
| Efficiency ratio | 99.1608% | 832 |
| Assets per employee ($millions) | 4.2375% | 3,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5232% | 3,804 |
| Loan loss allowance to noncurrent loans | 93.2976% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.7335% | 5,658 |
| Noncurrent loans to loans | 1.6327% | 4,260 |
| Net loans and leases to total assets | 44.2439% | 6,899 |
| Net loans and leases to deposits | 54.8411% | 6,803 |
| Net loans and leases to core deposits | 54.8411% | 6,999 |
| Total domestic deposits to total assets | 80.6765% | 5,514 |
| Equity capital to assets | 13.4277% | 1,378 |
| Core capital (leverage) ratio | 10.7964% | 2,397 |
| Tier 1 risk-based capital ratio | 22.7352% | 1,097 |
| Total risk-based capital ratio | 23.9855% | 1,079 |
| Memoranda: | ||
| Average total assets | $49,976,330 | 6,651 |
| Average earning assets | $46,735,000 | 6,601 |
| Average equity | $6,589,000 | 6,274 |
| Average total loans | $22,805,670 | 6,920 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8240% | 5,792 |
| Cost of funding earning assets | 1.7841% | 1,941 |
| Net interest margin | 3.0399% | 6,739 |
| Noninterest income to average assets | -0.0646% | 7,735 |
| Noninterest expense to average assets | 2.9310% | 3,946 |
| Loan and lease loss provision to assets | 0.1211% | 5,369 |
| Net operating income to assets | -0.1931% | 6,540 |
| Return on assets (ROA) | 0.2099% | 5,768 |
| Pretax return on assets | 0.3472% | 5,466 |
| Return on Equity (ROE) | 1.6075% | 5,917 |
| Retained earnings to average equity (ytd only) | 1.6075% | 5,139 |
| Net charge-offs to loans | 0.4389% | 2,732 |
| Credit loss provision to net charge-offs | 60.0000% | 4,297 |
| Earnings coverage of net charge-offs (x) | -0.8000% | 5,350 |
| Efficiency ratio | 105.8309% | 680 |
| Assets per employee ($millions) | 4.1628% | 3,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5146% | 3,835 |
| Loan loss allowance to noncurrent loans | 109.9042% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.7447% | 5,665 |
| Noncurrent loans to loans | 1.3781% | 4,672 |
| Net loans and leases to total assets | 44.7792% | 6,919 |
| Net loans and leases to deposits | 54.7844% | 6,868 |
| Net loans and leases to core deposits | 54.7844% | 7,065 |
| Total domestic deposits to total assets | 81.7372% | 5,181 |
| Equity capital to assets | 13.0360% | 1,513 |
| Core capital (leverage) ratio | 10.6738% | 2,466 |
| Tier 1 risk-based capital ratio | 22.7955% | 1,109 |
| Total risk-based capital ratio | 24.0471% | 1,078 |
| Memoranda: | ||
| Average total assets | $49,539,500 | 6,744 |
| Average earning assets | $46,186,000 | 6,696 |
| Average equity | $6,469,500 | 6,357 |
| Average total loans | $22,785,500 | 7,003 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4080% | 4,666 |
| Cost of funding earning assets | 2.0698% | 2,631 |
| Net interest margin | 3.3382% | 5,593 |
| Noninterest income to average assets | -0.1800% | 7,849 |
| Noninterest expense to average assets | 3.0005% | 4,138 |
| Loan and lease loss provision to assets | 0.1097% | 6,552 |
| Net operating income to assets | -0.1185% | 5,705 |
| Return on assets (ROA) | 0.1159% | 5,220 |
| Pretax return on assets | 0.1966% | 5,012 |
| Return on Equity (ROE) | 0.8705% | 5,271 |
| Retained earnings to average equity (ytd only) | 0.8705% | 4,415 |
| Net charge-offs to loans | 0.5094% | 3,742 |
| Credit loss provision to net charge-offs | 47.3214% | 6,775 |
| Earnings coverage of net charge-offs (x) | -0.2589% | 6,505 |
| Efficiency ratio | 102.0408% | 1,010 |
| Assets per employee ($millions) | 4.0938% | 3,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5443% | 3,501 |
| Loan loss allowance to noncurrent loans | 50.7914% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 1.6672% | 3,868 |
| Noncurrent loans to loans | 3.0405% | 2,538 |
| Net loans and leases to total assets | 45.8117% | 6,997 |
| Net loans and leases to deposits | 55.4857% | 6,951 |
| Net loans and leases to core deposits | 63.7915% | 7,101 |
| Total domestic deposits to total assets | 82.5649% | 4,717 |
| Equity capital to assets | 13.0830% | 1,479 |
| Core capital (leverage) ratio | 10.7073% | 2,424 |
| Tier 1 risk-based capital ratio | 21.1754% | 1,264 |
| Total risk-based capital ratio | 22.4286% | 1,238 |
| Memoranda: | ||
| Average total assets | $48,325,000 | 6,778 |
| Average earning assets | $45,173,400 | 6,717 |
| Average equity | $6,433,000 | 6,450 |
| Average total loans | $21,987,800 | 7,090 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3635% | 5,122 |
| Cost of funding earning assets | 2.1241% | 2,780 |
| Net interest margin | 3.2394% | 5,881 |
| Noninterest income to average assets | -0.1607% | 7,956 |
| Noninterest expense to average assets | 2.9201% | 4,366 |
| Loan and lease loss provision to assets | 0.1468% | 5,888 |
| Net operating income to assets | -0.1364% | 5,963 |
| Return on assets (ROA) | 0.1579% | 5,351 |
| Pretax return on assets | 0.2660% | 5,151 |
| Return on Equity (ROE) | 1.1811% | 5,435 |
| Retained earnings to average equity (ytd only) | 1.1811% | 4,661 |
| Net charge-offs to loans | 0.6124% | 2,837 |
| Credit loss provision to net charge-offs | 53.0000% | 6,271 |
| Earnings coverage of net charge-offs (x) | -0.1700% | 6,256 |
| Efficiency ratio | 101.6393% | 995 |
| Assets per employee ($millions) | 4.0256% | 3,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6257% | 2,891 |
| Loan loss allowance to noncurrent loans | 48.2850% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 1.7472% | 3,738 |
| Noncurrent loans to loans | 3.3669% | 2,242 |
| Net loans and leases to total assets | 45.8464% | 7,121 |
| Net loans and leases to deposits | 54.5090% | 7,174 |
| Net loans and leases to core deposits | 62.2614% | 7,317 |
| Total domestic deposits to total assets | 84.1079% | 3,672 |
| Equity capital to assets | 13.6191% | 1,443 |
| Core capital (leverage) ratio | 11.0808% | 2,350 |
| Tier 1 risk-based capital ratio | 21.9873% | 1,227 |
| Total risk-based capital ratio | 23.2389% | 1,206 |
| Memoranda: | ||
| Average total assets | $48,125,000 | 6,831 |
| Average earning assets | $45,069,250 | 6,775 |
| Average equity | $6,434,500 | 6,509 |
| Average total loans | $21,770,250 | 7,160 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4366% | 4,957 |
| Cost of funding earning assets | 2.1666% | 2,952 |
| Net interest margin | 3.2700% | 5,664 |
| Noninterest income to average assets | -0.1706% | 8,058 |
| Noninterest expense to average assets | 2.9169% | 4,444 |
| Loan and lease loss provision to assets | 0.1040% | 6,129 |
| Net operating income to assets | -0.1004% | 6,010 |
| Return on assets (ROA) | 0.1872% | 5,390 |
| Pretax return on assets | 0.3162% | 5,176 |
| Return on Equity (ROE) | 1.4093% | 5,494 |
| Retained earnings to average equity (ytd only) | 1.4093% | 4,550 |
| Net charge-offs to loans | 0.7248% | 2,242 |
| Credit loss provision to net charge-offs | 32.0513% | 6,007 |
| Earnings coverage of net charge-offs (x) | -0.0897% | 5,786 |
| Efficiency ratio | 101.0086% | 1,125 |
| Assets per employee ($millions) | 4.0644% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6552% | 2,507 |
| Loan loss allowance to noncurrent loans | 43.5835% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 1.8863% | 3,354 |
| Noncurrent loans to loans | 3.7977% | 1,803 |
| Net loans and leases to total assets | 43.8562% | 7,340 |
| Net loans and leases to deposits | 52.0349% | 7,378 |
| Net loans and leases to core deposits | 59.8640% | 7,458 |
| Total domestic deposits to total assets | 84.2823% | 3,608 |
| Equity capital to assets | 13.2204% | 1,592 |
| Core capital (leverage) ratio | 10.7933% | 2,570 |
| Tier 1 risk-based capital ratio | 21.9258% | 1,266 |
| Total risk-based capital ratio | 23.1761% | 1,241 |
| Memoranda: | ||
| Average total assets | $48,064,330 | 6,903 |
| Average earning assets | $44,954,670 | 6,841 |
| Average equity | $6,386,330 | 6,579 |
| Average total loans | $21,522,670 | 7,240 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4914% | 4,961 |
| Cost of funding earning assets | 2.2289% | 3,016 |
| Net interest margin | 3.2625% | 5,652 |
| Noninterest income to average assets | -0.2348% | 8,170 |
| Noninterest expense to average assets | 2.8589% | 4,308 |
| Loan and lease loss provision to assets | 0.0838% | 5,881 |
| Net operating income to assets | -0.1033% | 6,412 |
| Return on assets (ROA) | 0.2348% | 5,712 |
| Pretax return on assets | 0.3940% | 5,412 |
| Return on Equity (ROE) | 1.7623% | 5,854 |
| Retained earnings to average equity (ytd only) | 1.7623% | 4,871 |
| Net charge-offs to loans | 0.3924% | 2,526 |
| Credit loss provision to net charge-offs | 47.6190% | 4,714 |
| Earnings coverage of net charge-offs (x) | -0.2857% | 5,177 |
| Efficiency ratio | 101.7910% | 1,059 |
| Assets per employee ($millions) | 3.9729% | 3,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8758% | 1,678 |
| Loan loss allowance to noncurrent loans | 52.1401% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 1.9717% | 2,946 |
| Noncurrent loans to loans | 3.5976% | 1,752 |
| Net loans and leases to total assets | 44.1091% | 7,328 |
| Net loans and leases to deposits | 52.2849% | 7,387 |
| Net loans and leases to core deposits | 60.3674% | 7,439 |
| Total domestic deposits to total assets | 84.3629% | 3,524 |
| Equity capital to assets | 13.3256% | 1,603 |
| Core capital (leverage) ratio | 10.8017% | 2,651 |
| Tier 1 risk-based capital ratio | 21.7660% | 1,326 |
| Total risk-based capital ratio | 23.0187% | 1,295 |
| Memoranda: | ||
| Average total assets | $47,710,000 | 6,956 |
| Average earning assets | $44,506,000 | 6,901 |
| Average equity | $6,355,500 | 6,637 |
| Average total loans | $21,409,000 | 7,284 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7337% | 6,666 |
| Cost of funding earning assets | 2.5908% | 3,723 |
| Net interest margin | 3.1429% | 6,539 |
| Noninterest income to average assets | -0.3596% | 8,253 |
| Noninterest expense to average assets | 3.1474% | 3,525 |
| Loan and lease loss provision to assets | 0.0208% | 7,132 |
| Net operating income to assets | -0.4371% | 6,864 |
| Return on assets (ROA) | -0.3264% | 6,626 |
| Pretax return on assets | -0.4511% | 6,609 |
| Return on Equity (ROE) | -2.3977% | 6,554 |
| Retained earnings to average equity (ytd only) | -2.3977% | 5,977 |
| Net charge-offs to loans | 0.8689% | 1,439 |
| Credit loss provision to net charge-offs | 5.3763% | 6,639 |
| Earnings coverage of net charge-offs (x) | -1.5108% | 6,664 |
| Efficiency ratio | 122.7899% | 543 |
| Assets per employee ($millions) | 3.9788% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9311% | 1,358 |
| Loan loss allowance to noncurrent loans | 79.1188% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 1.9101% | 2,567 |
| Noncurrent loans to loans | 2.4407% | 2,245 |
| Net loans and leases to total assets | 43.9292% | 7,471 |
| Net loans and leases to deposits | 52.1080% | 7,530 |
| Net loans and leases to core deposits | 59.7856% | 7,592 |
| Total domestic deposits to total assets | 84.3041% | 3,176 |
| Equity capital to assets | 13.3166% | 1,665 |
| Core capital (leverage) ratio | 10.7654% | 2,769 |
| Tier 1 risk-based capital ratio | 22.1350% | 1,300 |
| Total risk-based capital ratio | 23.3941% | 1,263 |
| Memoranda: | ||
| Average total assets | $48,103,600 | 6,856 |
| Average earning assets | $44,735,800 | 6,828 |
| Average equity | $6,548,000 | 6,629 |
| Average total loans | $21,406,600 | 7,237 |