Home > Providence Bank > Performance and Condition Ratios
Providence Bank, Performance and Condition Ratios
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6488% | 438 |
| Cost of funding earning assets | 1.3246% | 689 |
| Net interest margin | 4.3242% | 1,092 |
| Noninterest income to average assets | 0.0948% | 5,058 |
| Noninterest expense to average assets | 3.4628% | 1,004 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.1455% | 5,032 |
| Return on assets (ROA) | 0.1455% | 5,043 |
| Pretax return on assets | 0.1940% | 5,030 |
| Return on Equity (ROE) | 0.9158% | 5,056 |
| Retained earnings to average equity (ytd only) | 0.9158% | 4,458 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6956% | 218 |
| Assets per employee ($millions) | 9.1692% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 2,303 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 6.8708% | 41 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 66.5140% | 3,037 |
| Net loans and leases to deposits | 84.5084% | 2,434 |
| Net loans and leases to core deposits | 95.6840% | 2,101 |
| Total domestic deposits to total assets | 78.7070% | 4,275 |
| Equity capital to assets | 15.7985% | 652 |
| Core capital (leverage) ratio | 12.5911% | 1,492 |
| Tier 1 risk-based capital ratio | 15.5184% | 2,622 |
| Total risk-based capital ratio | 16.5981% | 2,612 |
| Memoranda: | ||
| Average total assets | $90,735,330 | 4,205 |
| Average earning assets | $74,742,000 | 4,354 |
| Average equity | $14,414,330 | 3,734 |
| Average total loans | $59,558,670 | 4,062 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5892% | 438 |
| Cost of funding earning assets | 1.2878% | 685 |
| Net interest margin | 4.3015% | 1,091 |
| Noninterest income to average assets | 0.0753% | 5,156 |
| Noninterest expense to average assets | 3.3593% | 1,174 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2127% | 5,003 |
| Return on assets (ROA) | 0.2127% | 5,010 |
| Pretax return on assets | 0.2836% | 4,977 |
| Return on Equity (ROE) | 1.3353% | 5,048 |
| Retained earnings to average equity (ytd only) | 1.3353% | 4,248 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2141% | 319 |
| Assets per employee ($millions) | 9.0763% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 2,072 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 7.6022% | 30 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 63.8454% | 3,307 |
| Net loans and leases to deposits | 82.5106% | 2,563 |
| Net loans and leases to core deposits | 93.7776% | 2,147 |
| Total domestic deposits to total assets | 77.3784% | 4,611 |
| Equity capital to assets | 15.8842% | 591 |
| Core capital (leverage) ratio | 12.3963% | 1,561 |
| Tier 1 risk-based capital ratio | 16.2616% | 2,349 |
| Total risk-based capital ratio | 17.3989% | 2,330 |
| Memoranda: | ||
| Average total assets | $90,257,000 | 4,262 |
| Average earning assets | $74,858,000 | 4,395 |
| Average equity | $14,378,500 | 3,750 |
| Average total loans | $58,461,000 | 4,122 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5143% | 386 |
| Cost of funding earning assets | 0.9610% | 879 |
| Net interest margin | 4.5533% | 686 |
| Noninterest income to average assets | -0.7057% | 5,400 |
| Noninterest expense to average assets | 3.2495% | 1,431 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.1913% | 5,271 |
| Return on assets (ROA) | -0.1913% | 5,268 |
| Pretax return on assets | -0.2915% | 5,280 |
| Return on Equity (ROE) | -1.2342% | 5,262 |
| Retained earnings to average equity (ytd only) | -1.2342% | 5,092 |
| Net charge-offs to loans | 0.3254% | 594 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | -1.3147% | 3,734 |
| Efficiency ratio | 109.8554% | 85 |
| Assets per employee ($millions) | 7.4793% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 1,965 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 7.7269% | 30 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 64.0015% | 3,358 |
| Net loans and leases to deposits | 82.8494% | 2,635 |
| Net loans and leases to core deposits | 94.6981% | 2,167 |
| Total domestic deposits to total assets | 77.2504% | 4,593 |
| Equity capital to assets | 15.9775% | 534 |
| Core capital (leverage) ratio | 13.3474% | 1,130 |
| Tier 1 risk-based capital ratio | 17.1894% | 1,999 |
| Total risk-based capital ratio | 18.3352% | 1,983 |
| Memoranda: | ||
| Average total assets | $88,844,200 | 4,293 |
| Average earning assets | $71,486,800 | 4,467 |
| Average equity | $13,774,600 | 3,780 |
| Average total loans | $60,546,400 | 4,076 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5529% | 323 |
| Cost of funding earning assets | 0.8850% | 984 |
| Net interest margin | 4.6679% | 502 |
| Noninterest income to average assets | -0.9434% | 5,473 |
| Noninterest expense to average assets | 3.2423% | 1,426 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.4980% | 5,386 |
| Return on assets (ROA) | -0.4980% | 5,382 |
| Pretax return on assets | -0.4559% | 5,376 |
| Return on Equity (ROE) | -3.2371% | 5,375 |
| Retained earnings to average equity (ytd only) | -3.2371% | 5,260 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.3607% | 69 |
| Assets per employee ($millions) | 7.5913% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6462% | 971 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 8.3026% | 31 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 68.9021% | 2,809 |
| Net loans and leases to deposits | 93.1787% | 1,482 |
| Net loans and leases to core deposits | 102.0232% | 1,611 |
| Total domestic deposits to total assets | 73.9462% | 4,979 |
| Equity capital to assets | 17.5153% | 375 |
| Core capital (leverage) ratio | 14.6514% | 788 |
| Tier 1 risk-based capital ratio | 17.7755% | 1,853 |
| Total risk-based capital ratio | 19.0273% | 1,810 |
| Memoranda: | ||
| Average total assets | $88,617,500 | 4,337 |
| Average earning assets | $70,808,000 | 4,526 |
| Average equity | $13,633,250 | 3,826 |
| Average total loans | $61,131,000 | 4,108 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7118% | 230 |
| Cost of funding earning assets | 0.8530% | 899 |
| Net interest margin | 4.8588% | 330 |
| Noninterest income to average assets | -0.6466% | 5,534 |
| Noninterest expense to average assets | 3.1554% | 1,648 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.0022% | 5,341 |
| Return on assets (ROA) | 0.0022% | 5,335 |
| Pretax return on assets | 0.0576% | 5,310 |
| Return on Equity (ROE) | 0.0150% | 5,335 |
| Retained earnings to average equity (ytd only) | 0.0150% | 4,953 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2081% | 192 |
| Assets per employee ($millions) | 7.7443% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6141% | 1,072 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 9.7245% | 22 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 68.9049% | 2,739 |
| Net loans and leases to deposits | 92.7152% | 1,506 |
| Net loans and leases to core deposits | 100.8228% | 1,664 |
| Total domestic deposits to total assets | 74.3189% | 5,018 |
| Equity capital to assets | 17.3031% | 376 |
| Core capital (leverage) ratio | 13.9530% | 919 |
| Tier 1 risk-based capital ratio | 17.3612% | 1,978 |
| Total risk-based capital ratio | 18.6130% | 1,933 |
| Memoranda: | ||
| Average total assets | $90,322,000 | 4,343 |
| Average earning assets | $71,745,670 | 4,558 |
| Average equity | $13,302,330 | 3,897 |
| Average total loans | $62,008,330 | 4,117 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2525% | 98 |
| Cost of funding earning assets | 0.8279% | 842 |
| Net interest margin | 5.4247% | 120 |
| Noninterest income to average assets | -1.1627% | 5,602 |
| Noninterest expense to average assets | 3.2856% | 1,374 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.2024% | 5,446 |
| Return on assets (ROA) | -0.2024% | 5,441 |
| Pretax return on assets | -0.1593% | 5,431 |
| Return on Equity (ROE) | -1.4940% | 5,439 |
| Retained earnings to average equity (ytd only) | -1.4940% | 4,962 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0964% | 132 |
| Assets per employee ($millions) | 8.1723% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5231% | 1,379 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 9.0150% | 25 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 69.1896% | 2,603 |
| Net loans and leases to deposits | 88.5847% | 1,858 |
| Net loans and leases to core deposits | 96.7355% | 1,922 |
| Total domestic deposits to total assets | 78.1056% | 4,716 |
| Equity capital to assets | 13.9908% | 894 |
| Core capital (leverage) ratio | 10.7926% | 2,637 |
| Tier 1 risk-based capital ratio | 13.4731% | 3,669 |
| Total risk-based capital ratio | 14.7245% | 3,587 |
| Memoranda: | ||
| Average total assets | $92,889,500 | 4,349 |
| Average earning assets | $73,442,500 | 4,562 |
| Average equity | $12,583,500 | 4,034 |
| Average total loans | $63,182,000 | 4,123 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7414% | 1,093 |
| Cost of funding earning assets | 0.8816% | 417 |
| Net interest margin | 3.8597% | 2,229 |
| Noninterest income to average assets | -3.1712% | 5,669 |
| Noninterest expense to average assets | 2.8357% | 2,663 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -3.6675% | 5,656 |
| Return on assets (ROA) | -3.6290% | 5,656 |
| Pretax return on assets | -3.1218% | 5,652 |
| Return on Equity (ROE) | -31.7135% | 5,655 |
| Retained earnings to average equity (ytd only) | -31.7135% | 5,643 |
| Net charge-offs to loans | 0.1916% | 1,329 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -25.4206% | 4,110 |
| Efficiency ratio | -873.5562% | 5,668 |
| Assets per employee ($millions) | 8.7167% | 496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 1,335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 12.2752% | 12 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 64.9139% | 3,245 |
| Net loans and leases to deposits | 81.7575% | 2,744 |
| Net loans and leases to core deposits | 88.3241% | 2,696 |
| Total domestic deposits to total assets | 79.3980% | 4,465 |
| Equity capital to assets | 13.1304% | 1,203 |
| Core capital (leverage) ratio | 10.8428% | 2,480 |
| Tier 1 risk-based capital ratio | 12.8252% | 4,020 |
| Total risk-based capital ratio | 14.0717% | 3,916 |
| Memoranda: | ||
| Average total assets | $101,350,200 | 4,211 |
| Average earning assets | $74,746,400 | 4,570 |
| Average equity | $11,597,600 | 4,206 |
| Average total loans | $65,762,800 | 4,057 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7438% | 1,047 |
| Cost of funding earning assets | 0.8872% | 376 |
| Net interest margin | 3.8566% | 2,200 |
| Noninterest income to average assets | -0.0273% | 5,700 |
| Noninterest expense to average assets | 2.6908% | 3,090 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.0273% | 5,492 |
| Return on assets (ROA) | 0.0597% | 5,481 |
| Pretax return on assets | 0.1480% | 5,422 |
| Return on Equity (ROE) | 0.5404% | 5,475 |
| Retained earnings to average equity (ytd only) | 0.5404% | 5,100 |
| Net charge-offs to loans | 0.2550% | 852 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 0.5906% | 3,652 |
| Efficiency ratio | 96.5084% | 239 |
| Assets per employee ($millions) | 8.8932% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4904% | 1,570 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 15.3815% | 7 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 64.9987% | 3,247 |
| Net loans and leases to deposits | 80.1626% | 2,958 |
| Net loans and leases to core deposits | 87.5031% | 2,822 |
| Total domestic deposits to total assets | 81.0836% | 4,023 |
| Equity capital to assets | 11.5799% | 2,291 |
| Core capital (leverage) ratio | 7.8459% | 5,560 |
| Tier 1 risk-based capital ratio | 9.2568% | 5,689 |
| Total risk-based capital ratio | 10.4258% | 5,685 |
| Memoranda: | ||
| Average total assets | $102,716,750 | 4,233 |
| Average earning assets | $74,987,000 | 4,608 |
| Average equity | $11,349,500 | 4,287 |
| Average total loans | $66,402,500 | 4,073 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6901% | 1,075 |
| Cost of funding earning assets | 0.8786% | 350 |
| Net interest margin | 3.8115% | 2,246 |
| Noninterest income to average assets | -0.1093% | 5,760 |
| Noninterest expense to average assets | 2.6067% | 3,414 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.0268% | 5,562 |
| Return on assets (ROA) | 0.0211% | 5,543 |
| Pretax return on assets | 0.1112% | 5,500 |
| Return on Equity (ROE) | 0.1937% | 5,541 |
| Retained earnings to average equity (ytd only) | 0.1937% | 5,028 |
| Net charge-offs to loans | 0.3820% | 540 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 0.1484% | 3,401 |
| Efficiency ratio | 98.6222% | 207 |
| Assets per employee ($millions) | 9.1754% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4547% | 1,742 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 18.4882% | 6 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 64.4324% | 3,325 |
| Net loans and leases to deposits | 79.7457% | 2,941 |
| Net loans and leases to core deposits | 86.5326% | 2,829 |
| Total domestic deposits to total assets | 80.7974% | 4,235 |
| Equity capital to assets | 11.1891% | 2,609 |
| Core capital (leverage) ratio | 7.6293% | 5,626 |
| Tier 1 risk-based capital ratio | 8.7633% | 5,756 |
| Total risk-based capital ratio | 9.8764% | 5,753 |
| Memoranda: | ||
| Average total assets | $104,347,330 | 4,238 |
| Average earning assets | $75,350,330 | 4,628 |
| Average equity | $11,356,670 | 4,300 |
| Average total loans | $67,021,000 | 4,081 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6235% | 1,084 |
| Cost of funding earning assets | 0.8335% | 401 |
| Net interest margin | 3.7900% | 2,151 |
| Noninterest income to average assets | 0.7619% | 1,701 |
| Noninterest expense to average assets | 2.6288% | 3,383 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7607% | 3,425 |
| Return on assets (ROA) | 0.8901% | 2,860 |
| Pretax return on assets | 1.0070% | 3,344 |
| Return on Equity (ROE) | 8.2891% | 2,772 |
| Retained earnings to average equity (ytd only) | 8.2891% | 1,344 |
| Net charge-offs to loans | -0.0592% | 5,256 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3514% | 2,010 |
| Assets per employee ($millions) | 8.8796% | 444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6136% | 1,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 15.1021% | 14 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 62.8314% | 3,422 |
| Net loans and leases to deposits | 77.1847% | 3,059 |
| Net loans and leases to core deposits | 83.3209% | 2,964 |
| Total domestic deposits to total assets | 81.4040% | 4,321 |
| Equity capital to assets | 10.7925% | 2,863 |
| Core capital (leverage) ratio | 7.5761% | 5,689 |
| Tier 1 risk-based capital ratio | 9.1391% | 5,800 |
| Total risk-based capital ratio | 10.4013% | 5,795 |
| Memoranda: | ||
| Average total assets | $106,056,500 | 4,243 |
| Average earning assets | $76,306,500 | 4,647 |
| Average equity | $11,388,500 | 4,324 |
| Average total loans | $67,536,000 | 4,102 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9256% | 696 |
| Cost of funding earning assets | 0.9463% | 233 |
| Net interest margin | 3.9793% | 1,698 |
| Noninterest income to average assets | 0.0359% | 5,806 |
| Noninterest expense to average assets | 2.5784% | 3,745 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1414% | 5,506 |
| Return on assets (ROA) | 0.1584% | 5,521 |
| Pretax return on assets | 0.2403% | 5,439 |
| Return on Equity (ROE) | 1.4981% | 5,488 |
| Retained earnings to average equity (ytd only) | 1.4981% | 4,663 |
| Net charge-offs to loans | -0.0274% | 5,211 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3178% | 449 |
| Assets per employee ($millions) | 8.8145% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 1,321 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 19.1087% | 4 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 62.3367% | 3,567 |
| Net loans and leases to deposits | 76.6707% | 3,241 |
| Net loans and leases to core deposits | 82.6017% | 3,162 |
| Total domestic deposits to total assets | 81.3045% | 4,259 |
| Equity capital to assets | 10.8666% | 2,745 |
| Core capital (leverage) ratio | 7.4739% | 5,759 |
| Tier 1 risk-based capital ratio | 8.8049% | 5,863 |
| Total risk-based capital ratio | 10.0264% | 5,865 |
| Memoranda: | ||
| Average total assets | $108,594,200 | 4,198 |
| Average earning assets | $75,239,200 | 4,700 |
| Average equity | $11,481,200 | 4,339 |
| Average total loans | $69,385,200 | 4,060 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9306% | 682 |
| Cost of funding earning assets | 0.9418% | 231 |
| Net interest margin | 3.9888% | 1,693 |
| Noninterest income to average assets | 0.2720% | 4,827 |
| Noninterest expense to average assets | 2.5885% | 3,705 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2734% | 5,335 |
| Return on assets (ROA) | 0.2952% | 5,380 |
| Pretax return on assets | 0.4867% | 5,152 |
| Return on Equity (ROE) | 2.8111% | 5,268 |
| Retained earnings to average equity (ytd only) | 2.8111% | 4,207 |
| Net charge-offs to loans | -0.0286% | 5,147 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1183% | 892 |
| Assets per employee ($millions) | 9.1378% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6195% | 1,409 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 19.0528% | 5 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 60.0522% | 3,871 |
| Net loans and leases to deposits | 74.2504% | 3,574 |
| Net loans and leases to core deposits | 79.2454% | 3,527 |
| Total domestic deposits to total assets | 80.8779% | 4,276 |
| Equity capital to assets | 10.5788% | 3,479 |
| Core capital (leverage) ratio | 7.5373% | 5,826 |
| Tier 1 risk-based capital ratio | 8.8394% | 5,926 |
| Total risk-based capital ratio | 10.0449% | 5,931 |
| Memoranda: | ||
| Average total assets | $109,299,250 | 4,212 |
| Average earning assets | $75,878,000 | 4,721 |
| Average equity | $11,478,000 | 4,380 |
| Average total loans | $69,975,500 | 4,074 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7931% | 901 |
| Cost of funding earning assets | 0.9194% | 262 |
| Net interest margin | 3.8737% | 2,069 |
| Noninterest income to average assets | 0.3737% | 4,076 |
| Noninterest expense to average assets | 2.5737% | 3,804 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3372% | 5,219 |
| Return on assets (ROA) | 0.3700% | 5,212 |
| Pretax return on assets | 0.5990% | 4,887 |
| Return on Equity (ROE) | 3.5323% | 5,083 |
| Retained earnings to average equity (ytd only) | 3.5323% | 3,646 |
| Net charge-offs to loans | -0.0366% | 5,229 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4531% | 1,219 |
| Assets per employee ($millions) | 8.3415% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5283% | 1,761 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 19.9115% | 5 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 64.2909% | 3,327 |
| Net loans and leases to deposits | 79.6120% | 2,981 |
| Net loans and leases to core deposits | 84.2614% | 3,058 |
| Total domestic deposits to total assets | 80.7553% | 4,342 |
| Equity capital to assets | 10.6529% | 3,466 |
| Core capital (leverage) ratio | 7.3196% | 5,911 |
| Tier 1 risk-based capital ratio | 8.6769% | 6,008 |
| Total risk-based capital ratio | 9.8641% | 6,009 |
| Memoranda: | ||
| Average total assets | $109,181,330 | 4,240 |
| Average earning assets | $77,445,000 | 4,717 |
| Average equity | $11,437,330 | 4,412 |
| Average total loans | $70,989,670 | 4,066 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7303% | 989 |
| Cost of funding earning assets | 0.9265% | 252 |
| Net interest margin | 3.8038% | 2,271 |
| Noninterest income to average assets | 0.3870% | 3,928 |
| Noninterest expense to average assets | 2.5486% | 3,914 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3323% | 5,205 |
| Return on assets (ROA) | 0.3323% | 5,289 |
| Pretax return on assets | 0.5367% | 4,991 |
| Return on Equity (ROE) | 3.1986% | 5,162 |
| Retained earnings to average equity (ytd only) | 3.1986% | 3,904 |
| Net charge-offs to loans | -0.0225% | 4,911 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6036% | 1,308 |
| Assets per employee ($millions) | 10.0228% | 275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4987% | 1,992 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 19.7023% | 6 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 63.9659% | 3,245 |
| Net loans and leases to deposits | 78.8090% | 2,917 |
| Net loans and leases to core deposits | 82.8143% | 3,058 |
| Total domestic deposits to total assets | 81.1657% | 4,438 |
| Equity capital to assets | 10.3945% | 3,625 |
| Core capital (leverage) ratio | 7.2166% | 5,973 |
| Tier 1 risk-based capital ratio | 8.1704% | 6,073 |
| Total risk-based capital ratio | 9.3050% | 6,076 |
| Memoranda: | ||
| Average total assets | $109,552,000 | 4,270 |
| Average earning assets | $77,711,000 | 4,754 |
| Average equity | $11,380,000 | 4,433 |
| Average total loans | $71,085,000 | 4,090 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6092% | 1,309 |
| Cost of funding earning assets | 1.0428% | 135 |
| Net interest margin | 3.5665% | 3,252 |
| Noninterest income to average assets | 0.1886% | 5,466 |
| Noninterest expense to average assets | 2.5422% | 4,098 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0035% | 5,867 |
| Return on assets (ROA) | 0.0035% | 5,895 |
| Pretax return on assets | 0.0753% | 5,819 |
| Return on Equity (ROE) | 0.0355% | 5,893 |
| Retained earnings to average equity (ytd only) | 0.0355% | 5,491 |
| Net charge-offs to loans | -0.0487% | 5,545 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1245% | 364 |
| Assets per employee ($millions) | 8.3733% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5147% | 1,937 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 19.9563% | 4 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 63.8522% | 3,309 |
| Net loans and leases to deposits | 77.0224% | 3,157 |
| Net loans and leases to core deposits | 80.3684% | 3,304 |
| Total domestic deposits to total assets | 82.9008% | 3,869 |
| Equity capital to assets | 10.3810% | 3,518 |
| Core capital (leverage) ratio | 6.9860% | 6,053 |
| Tier 1 risk-based capital ratio | 7.9735% | 6,136 |
| Total risk-based capital ratio | 9.1155% | 6,138 |
| Memoranda: | ||
| Average total assets | $112,935,000 | 4,195 |
| Average earning assets | $76,910,600 | 4,788 |
| Average equity | $11,261,800 | 4,431 |
| Average total loans | $67,758,800 | 4,152 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5322% | 1,504 |
| Cost of funding earning assets | 1.0628% | 124 |
| Net interest margin | 3.4694% | 3,673 |
| Noninterest income to average assets | 0.1252% | 5,846 |
| Noninterest expense to average assets | 2.5600% | 4,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.1989% | 6,043 |
| Return on assets (ROA) | -0.1989% | 6,058 |
| Pretax return on assets | -0.0936% | 6,010 |
| Return on Equity (ROE) | -2.0144% | 6,067 |
| Retained earnings to average equity (ytd only) | -2.0144% | 5,858 |
| Net charge-offs to loans | -0.0597% | 5,597 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7951% | 213 |
| Assets per employee ($millions) | 8.6544% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5990% | 1,795 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 20.2361% | 6 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 58.3066% | 4,103 |
| Net loans and leases to deposits | 69.8099% | 4,007 |
| Net loans and leases to core deposits | 72.7141% | 4,125 |
| Total domestic deposits to total assets | 83.5219% | 3,607 |
| Equity capital to assets | 9.8678% | 4,316 |
| Core capital (leverage) ratio | 6.6342% | 6,160 |
| Tier 1 risk-based capital ratio | 7.8512% | 6,221 |
| Total risk-based capital ratio | 8.9948% | 6,222 |
| Memoranda: | ||
| Average total assets | $113,955,500 | 4,222 |
| Average earning assets | $76,899,250 | 4,848 |
| Average equity | $11,252,250 | 4,486 |
| Average total loans | $67,055,000 | 4,207 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5053% | 1,517 |
| Cost of funding earning assets | 1.0758% | 116 |
| Net interest margin | 3.4295% | 3,791 |
| Noninterest income to average assets | 0.5505% | 3,038 |
| Noninterest expense to average assets | 2.5446% | 4,090 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1748% | 5,749 |
| Return on assets (ROA) | 0.1748% | 5,814 |
| Pretax return on assets | 0.2901% | 5,678 |
| Return on Equity (ROE) | 1.7695% | 5,739 |
| Retained earnings to average equity (ytd only) | 1.7695% | 4,814 |
| Net charge-offs to loans | -0.0804% | 5,702 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7657% | 774 |
| Assets per employee ($millions) | 8.7683% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6045% | 1,897 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 24.2052% | 4 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 57.1894% | 4,196 |
| Net loans and leases to deposits | 68.4694% | 4,087 |
| Net loans and leases to core deposits | 71.2729% | 4,198 |
| Total domestic deposits to total assets | 83.5255% | 3,751 |
| Equity capital to assets | 9.9423% | 4,100 |
| Core capital (leverage) ratio | 6.7159% | 6,222 |
| Tier 1 risk-based capital ratio | 7.6826% | 6,293 |
| Total risk-based capital ratio | 8.7772% | 6,294 |
| Memoranda: | ||
| Average total assets | $114,438,330 | 4,246 |
| Average earning assets | $76,220,670 | 4,918 |
| Average equity | $11,302,330 | 4,508 |
| Average total loans | $67,185,000 | 4,238 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4835% | 1,509 |
| Cost of funding earning assets | 1.0712% | 120 |
| Net interest margin | 3.4123% | 3,792 |
| Noninterest income to average assets | 0.5337% | 3,061 |
| Noninterest expense to average assets | 2.5466% | 4,113 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1535% | 5,780 |
| Return on assets (ROA) | 0.1535% | 5,854 |
| Pretax return on assets | 0.2651% | 5,720 |
| Return on Equity (ROE) | 1.5593% | 5,788 |
| Retained earnings to average equity (ytd only) | 1.5593% | 4,851 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5707% | 810 |
| Assets per employee ($millions) | 8.8161% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5119% | 2,399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 24.2555% | 5 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 58.8846% | 3,816 |
| Net loans and leases to deposits | 70.3811% | 3,710 |
| Net loans and leases to core deposits | 73.6380% | 3,813 |
| Total domestic deposits to total assets | 83.6653% | 3,950 |
| Equity capital to assets | 9.8919% | 4,280 |
| Core capital (leverage) ratio | 6.6681% | 6,273 |
| Tier 1 risk-based capital ratio | 7.4132% | 6,365 |
| Total risk-based capital ratio | 8.4459% | 6,369 |
| Memoranda: | ||
| Average total assets | $114,663,500 | 4,275 |
| Average earning assets | $76,547,000 | 4,953 |
| Average equity | $11,287,000 | 4,545 |
| Average total loans | $67,651,500 | 4,243 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4549% | 2,047 |
| Cost of funding earning assets | 1.1124% | 125 |
| Net interest margin | 3.3425% | 4,432 |
| Noninterest income to average assets | 1.1262% | 959 |
| Noninterest expense to average assets | 2.5006% | 4,546 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5042% | 4,798 |
| Return on assets (ROA) | 0.5176% | 4,826 |
| Pretax return on assets | 0.8215% | 4,184 |
| Return on Equity (ROE) | 5.7232% | 4,298 |
| Retained earnings to average equity (ytd only) | 5.7232% | 2,121 |
| Net charge-offs to loans | -0.0076% | 5,517 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7522% | 2,550 |
| Assets per employee ($millions) | 9.5598% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 2,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 24.1854% | 5 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 57.3092% | 4,153 |
| Net loans and leases to deposits | 68.4028% | 4,087 |
| Net loans and leases to core deposits | 70.7838% | 4,241 |
| Total domestic deposits to total assets | 83.7820% | 3,811 |
| Equity capital to assets | 9.7953% | 4,364 |
| Core capital (leverage) ratio | 7.0057% | 6,311 |
| Tier 1 risk-based capital ratio | 7.8883% | 6,446 |
| Total risk-based capital ratio | 8.9076% | 6,453 |
| Memoranda: | ||
| Average total assets | $118,810,200 | 4,205 |
| Average earning assets | $77,308,200 | 4,945 |
| Average equity | $10,745,800 | 4,611 |
| Average total loans | $65,790,200 | 4,305 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3768% | 2,314 |
| Cost of funding earning assets | 1.1149% | 132 |
| Net interest margin | 3.2619% | 4,753 |
| Noninterest income to average assets | 0.5240% | 3,372 |
| Noninterest expense to average assets | 2.4044% | 4,809 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1485% | 5,946 |
| Return on assets (ROA) | 0.1669% | 5,951 |
| Pretax return on assets | 0.2537% | 5,856 |
| Return on Equity (ROE) | 1.8827% | 5,867 |
| Retained earnings to average equity (ytd only) | 1.8827% | 5,116 |
| Net charge-offs to loans | -0.0102% | 5,430 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4129% | 741 |
| Assets per employee ($millions) | 9.0120% | 336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6190% | 2,233 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 26.8360% | 5 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 53.7343% | 4,605 |
| Net loans and leases to deposits | 63.6365% | 4,582 |
| Net loans and leases to core deposits | 65.6396% | 4,743 |
| Total domestic deposits to total assets | 84.4396% | 3,575 |
| Equity capital to assets | 9.1656% | 5,191 |
| Core capital (leverage) ratio | 6.3735% | 6,444 |
| Tier 1 risk-based capital ratio | 7.4144% | 6,525 |
| Total risk-based capital ratio | 8.4584% | 6,530 |
| Memoranda: | ||
| Average total assets | $119,833,250 | 4,222 |
| Average earning assets | $77,375,500 | 4,992 |
| Average equity | $10,623,000 | 4,664 |
| Average total loans | $65,542,750 | 4,348 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3125% | 2,543 |
| Cost of funding earning assets | 1.1037% | 147 |
| Net interest margin | 3.2088% | 4,913 |
| Noninterest income to average assets | 0.4390% | 3,954 |
| Noninterest expense to average assets | 2.3392% | 5,063 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1201% | 6,008 |
| Return on assets (ROA) | 0.1474% | 5,991 |
| Pretax return on assets | 0.2220% | 5,916 |
| Return on Equity (ROE) | 1.6817% | 5,915 |
| Retained earnings to average equity (ytd only) | 1.6817% | 5,062 |
| Net charge-offs to loans | -0.0151% | 5,443 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8337% | 707 |
| Assets per employee ($millions) | 9.3678% | 289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5538% | 2,653 |
| Loan loss allowance to noncurrent loans | 28.6742% | 5,813 |
| Noncurrent assets plus other real estate owned to assets | 25.9466% | 4 |
| Noncurrent loans to loans | 5.4188% | 343 |
| Net loans and leases to total assets | 53.8992% | 4,556 |
| Net loans and leases to deposits | 63.3031% | 4,562 |
| Net loans and leases to core deposits | 68.7247% | 4,398 |
| Total domestic deposits to total assets | 85.1446% | 3,439 |
| Equity capital to assets | 8.7526% | 5,571 |
| Core capital (leverage) ratio | 6.0356% | 6,535 |
| Tier 1 risk-based capital ratio | 7.4052% | 6,584 |
| Total risk-based capital ratio | 8.4680% | 6,588 |
| Memoranda: | ||
| Average total assets | $120,725,670 | 4,221 |
| Average earning assets | $78,284,330 | 5,016 |
| Average equity | $10,584,670 | 4,686 |
| Average total loans | $66,060,670 | 4,351 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3684% | 2,274 |
| Cost of funding earning assets | 1.1144% | 149 |
| Net interest margin | 3.2540% | 4,726 |
| Noninterest income to average assets | 0.5591% | 2,990 |
| Noninterest expense to average assets | 2.3228% | 5,137 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1993% | 5,802 |
| Return on assets (ROA) | 0.2662% | 5,651 |
| Pretax return on assets | 0.3960% | 5,467 |
| Return on Equity (ROE) | 3.0339% | 5,447 |
| Retained earnings to average equity (ytd only) | 3.0339% | 4,293 |
| Net charge-offs to loans | -0.0304% | 5,562 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6912% | 1,157 |
| Assets per employee ($millions) | 9.3742% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5373% | 2,986 |
| Loan loss allowance to noncurrent loans | 28.6742% | 5,892 |
| Noncurrent assets plus other real estate owned to assets | 30.4938% | 4 |
| Noncurrent loans to loans | 5.3614% | 380 |
| Net loans and leases to total assets | 54.4484% | 4,358 |
| Net loans and leases to deposits | 63.8845% | 4,323 |
| Net loans and leases to core deposits | 66.4274% | 4,456 |
| Total domestic deposits to total assets | 85.2294% | 3,757 |
| Equity capital to assets | 8.7056% | 5,442 |
| Core capital (leverage) ratio | 6.1815% | 6,564 |
| Tier 1 risk-based capital ratio | 7.0076% | 6,651 |
| Total risk-based capital ratio | 8.0166% | 6,663 |
| Memoranda: | ||
| Average total assets | $120,198,000 | 4,274 |
| Average earning assets | $76,091,500 | 5,110 |
| Average equity | $10,547,500 | 4,719 |
| Average total loans | $65,753,500 | 4,398 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9460% | 4,298 |
| Cost of funding earning assets | 1.1534% | 224 |
| Net interest margin | 2.7926% | 5,993 |
| Noninterest income to average assets | 0.9645% | 1,479 |
| Noninterest expense to average assets | 2.2984% | 5,389 |
| Loan and lease loss provision to assets | 0.0148% | 4,831 |
| Net operating income to assets | 0.4792% | 4,820 |
| Return on assets (ROA) | 0.6012% | 4,372 |
| Pretax return on assets | 0.5559% | 5,027 |
| Return on Equity (ROE) | 6.6462% | 3,748 |
| Retained earnings to average equity (ytd only) | 6.6462% | 1,597 |
| Net charge-offs to loans | 0.0033% | 5,412 |
| Credit loss provision to net charge-offs | 850.0000% | 294 |
| Earnings coverage of net charge-offs (x) | 257.5000% | 175 |
| Efficiency ratio | 83.6663% | 1,664 |
| Assets per employee ($millions) | 9.1178% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6080% | 2,730 |
| Loan loss allowance to noncurrent loans | 28.5358% | 5,985 |
| Noncurrent assets plus other real estate owned to assets | 31.3249% | 5 |
| Noncurrent loans to loans | 5.6349% | 391 |
| Net loans and leases to total assets | 53.2236% | 4,694 |
| Net loans and leases to deposits | 62.6839% | 4,657 |
| Net loans and leases to core deposits | 64.4218% | 4,828 |
| Total domestic deposits to total assets | 84.9079% | 3,791 |
| Equity capital to assets | 8.8466% | 5,202 |
| Core capital (leverage) ratio | 6.0980% | 6,641 |
| Tier 1 risk-based capital ratio | 6.9736% | 6,731 |
| Total risk-based capital ratio | 8.0223% | 6,739 |
| Memoranda: | ||
| Average total assets | $114,774,000 | 4,391 |
| Average earning assets | $73,264,200 | 5,218 |
| Average equity | $10,381,800 | 4,766 |
| Average total loans | $60,098,200 | 4,606 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8487% | 4,671 |
| Cost of funding earning assets | 1.1614% | 233 |
| Net interest margin | 2.6873% | 6,201 |
| Noninterest income to average assets | 1.3048% | 874 |
| Noninterest expense to average assets | 2.3753% | 5,095 |
| Loan and lease loss provision to assets | 0.0199% | 4,607 |
| Net operating income to assets | 0.4238% | 5,145 |
| Return on assets (ROA) | 0.5353% | 4,793 |
| Pretax return on assets | 0.7918% | 4,325 |
| Return on Equity (ROE) | 5.8839% | 4,248 |
| Retained earnings to average equity (ytd only) | 5.8839% | 2,486 |
| Net charge-offs to loans | 0.0135% | 4,866 |
| Credit loss provision to net charge-offs | 283.3333% | 892 |
| Earnings coverage of net charge-offs (x) | 92.1638% | 526 |
| Efficiency ratio | 78.5742% | 2,329 |
| Assets per employee ($millions) | 8.8231% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7754% | 2,383 |
| Loan loss allowance to noncurrent loans | 28.7032% | 6,028 |
| Noncurrent assets plus other real estate owned to assets | 34.5623% | 3 |
| Noncurrent loans to loans | 6.1855% | 391 |
| Net loans and leases to total assets | 49.5362% | 5,189 |
| Net loans and leases to deposits | 58.6121% | 5,122 |
| Net loans and leases to core deposits | 60.5574% | 5,254 |
| Total domestic deposits to total assets | 84.5153% | 3,968 |
| Equity capital to assets | 8.9503% | 5,244 |
| Core capital (leverage) ratio | 6.3175% | 6,689 |
| Tier 1 risk-based capital ratio | 7.1315% | 6,799 |
| Total risk-based capital ratio | 8.1668% | 6,807 |
| Memoranda: | ||
| Average total assets | $113,834,500 | 4,455 |
| Average earning assets | $72,785,500 | 5,281 |
| Average equity | $10,355,750 | 4,822 |
| Average total loans | $59,093,250 | 4,677 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6875% | 5,180 |
| Cost of funding earning assets | 1.1500% | 256 |
| Net interest margin | 2.5375% | 6,405 |
| Noninterest income to average assets | 1.5588% | 652 |
| Noninterest expense to average assets | 2.3145% | 5,322 |
| Loan and lease loss provision to assets | 0.0299% | 4,333 |
| Net operating income to assets | 0.5770% | 4,414 |
| Return on assets (ROA) | 0.7398% | 3,775 |
| Pretax return on assets | 1.1167% | 3,027 |
| Return on Equity (ROE) | 8.0881% | 3,050 |
| Retained earnings to average equity (ytd only) | 8.0881% | 1,450 |
| Net charge-offs to loans | 0.0437% | 4,069 |
| Credit loss provision to net charge-offs | 130.7692% | 1,734 |
| Earnings coverage of net charge-offs (x) | 39.3077% | 941 |
| Efficiency ratio | 72.0000% | 3,466 |
| Assets per employee ($millions) | 8.7687% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8193% | 2,368 |
| Loan loss allowance to noncurrent loans | 28.5075% | 6,070 |
| Noncurrent assets plus other real estate owned to assets | 34.9162% | 2 |
| Noncurrent loans to loans | 6.3818% | 416 |
| Net loans and leases to total assets | 48.2889% | 5,303 |
| Net loans and leases to deposits | 57.1343% | 5,236 |
| Net loans and leases to core deposits | 58.7533% | 5,362 |
| Total domestic deposits to total assets | 84.5183% | 4,121 |
| Equity capital to assets | 9.0006% | 5,218 |
| Core capital (leverage) ratio | 6.1911% | 6,735 |
| Tier 1 risk-based capital ratio | 7.1582% | 6,836 |
| Total risk-based capital ratio | 8.2032% | 6,850 |
| Memoranda: | ||
| Average total assets | $113,546,000 | 4,495 |
| Average earning assets | $74,088,330 | 5,276 |
| Average equity | $10,385,670 | 4,857 |
| Average total loans | $59,509,330 | 4,690 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3379% | 6,069 |
| Cost of funding earning assets | 1.0883% | 396 |
| Net interest margin | 2.2495% | 6,732 |
| Noninterest income to average assets | 2.6685% | 290 |
| Noninterest expense to average assets | 2.4920% | 4,783 |
| Loan and lease loss provision to assets | 0.0600% | 3,640 |
| Net operating income to assets | 1.0872% | 1,909 |
| Return on assets (ROA) | 1.0872% | 2,018 |
| Pretax return on assets | 1.6413% | 1,212 |
| Return on Equity (ROE) | 11.7912% | 1,476 |
| Retained earnings to average equity (ytd only) | 11.7912% | 731 |
| Net charge-offs to loans | 0.1829% | 2,303 |
| Credit loss provision to net charge-offs | 60.7143% | 2,437 |
| Earnings coverage of net charge-offs (x) | 17.2143% | 1,330 |
| Efficiency ratio | 59.4276% | 5,663 |
| Assets per employee ($millions) | 9.7323% | 246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6514% | 3,192 |
| Loan loss allowance to noncurrent loans | 8.8640% | 6,497 |
| Noncurrent assets plus other real estate owned to assets | 34.0720% | 3 |
| Noncurrent loans to loans | 18.6303% | 35 |
| Net loans and leases to total assets | 51.2493% | 4,804 |
| Net loans and leases to deposits | 60.5322% | 4,732 |
| Net loans and leases to core deposits | 62.3008% | 4,928 |
| Total domestic deposits to total assets | 84.6645% | 4,193 |
| Equity capital to assets | 9.0506% | 5,423 |
| Core capital (leverage) ratio | 6.1687% | 6,782 |
| Tier 1 risk-based capital ratio | 7.2076% | 6,888 |
| Total risk-based capital ratio | 8.2595% | 6,901 |
| Memoranda: | ||
| Average total assets | $113,322,500 | 4,542 |
| Average earning assets | $76,815,500 | 5,243 |
| Average equity | $10,448,500 | 4,895 |
| Average total loans | $61,231,000 | 4,661 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7553% | 5,935 |
| Cost of funding earning assets | 1.1609% | 697 |
| Net interest margin | 2.5944% | 6,636 |
| Noninterest income to average assets | 0.1397% | 6,337 |
| Noninterest expense to average assets | 3.0503% | 3,091 |
| Loan and lease loss provision to assets | 0.1919% | 3,235 |
| Net operating income to assets | -0.7862% | 6,674 |
| Return on assets (ROA) | -0.7862% | 6,693 |
| Pretax return on assets | -1.2249% | 6,789 |
| Return on Equity (ROE) | -8.2684% | 6,689 |
| Retained earnings to average equity (ytd only) | -8.2684% | 6,587 |
| Net charge-offs to loans | 0.8443% | 1,366 |
| Credit loss provision to net charge-offs | 40.1109% | 4,933 |
| Earnings coverage of net charge-offs (x) | -2.1590% | 5,839 |
| Efficiency ratio | 151.2056% | 91 |
| Assets per employee ($millions) | 9.9870% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6492% | 3,117 |
| Loan loss allowance to noncurrent loans | 8.5007% | 6,556 |
| Noncurrent assets plus other real estate owned to assets | 33.0065% | 3 |
| Noncurrent loans to loans | 19.4013% | 34 |
| Net loans and leases to total assets | 55.1517% | 4,429 |
| Net loans and leases to deposits | 65.7222% | 4,327 |
| Net loans and leases to core deposits | 67.2625% | 4,619 |
| Total domestic deposits to total assets | 83.9164% | 4,356 |
| Equity capital to assets | 9.4004% | 4,998 |
| Core capital (leverage) ratio | 6.1953% | 6,832 |
| Tier 1 risk-based capital ratio | 7.2796% | 6,940 |
| Total risk-based capital ratio | 8.4112% | 6,950 |
| Memoranda: | ||
| Average total assets | $113,069,800 | 4,516 |
| Average earning assets | $81,831,200 | 5,076 |
| Average equity | $10,751,800 | 4,805 |
| Average total loans | $64,080,400 | 4,572 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7280% | 6,177 |
| Cost of funding earning assets | 1.1980% | 695 |
| Net interest margin | 2.5300% | 6,805 |
| Noninterest income to average assets | 0.1382% | 6,449 |
| Noninterest expense to average assets | 2.7972% | 3,990 |
| Loan and lease loss provision to assets | 0.2061% | 3,011 |
| Net operating income to assets | -0.9718% | 6,854 |
| Return on assets (ROA) | -0.9718% | 6,882 |
| Pretax return on assets | -1.0081% | 6,867 |
| Return on Equity (ROE) | -10.1919% | 6,866 |
| Retained earnings to average equity (ytd only) | -10.1919% | 6,821 |
| Net charge-offs to loans | 0.9995% | 1,064 |
| Credit loss provision to net charge-offs | 36.2887% | 4,694 |
| Earnings coverage of net charge-offs (x) | -1.4124% | 5,614 |
| Efficiency ratio | 140.1995% | 118 |
| Assets per employee ($millions) | 9.9647% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6659% | 3,274 |
| Loan loss allowance to noncurrent loans | 7.8811% | 6,662 |
| Noncurrent assets plus other real estate owned to assets | 33.1852% | 4 |
| Noncurrent loans to loans | 21.1378% | 34 |
| Net loans and leases to total assets | 55.5213% | 4,521 |
| Net loans and leases to deposits | 66.2357% | 4,437 |
| Net loans and leases to core deposits | 67.7895% | 4,747 |
| Total domestic deposits to total assets | 83.8239% | 4,311 |
| Equity capital to assets | 9.4579% | 5,254 |
| Core capital (leverage) ratio | 6.5008% | 6,884 |
| Tier 1 risk-based capital ratio | 7.9320% | 6,998 |
| Total risk-based capital ratio | 9.0819% | 7,004 |
| Memoranda: | ||
| Average total assets | $113,873,000 | 4,544 |
| Average earning assets | $83,580,750 | 5,086 |
| Average equity | $10,858,000 | 4,836 |
| Average total loans | $64,699,500 | 4,598 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6831% | 6,364 |
| Cost of funding earning assets | 1.2160% | 765 |
| Net interest margin | 2.4671% | 6,920 |
| Noninterest income to average assets | 0.1926% | 6,176 |
| Noninterest expense to average assets | 2.5240% | 5,057 |
| Loan and lease loss provision to assets | 0.1318% | 3,876 |
| Net operating income to assets | -0.5794% | 6,772 |
| Return on assets (ROA) | -0.5794% | 6,798 |
| Pretax return on assets | -0.6332% | 6,789 |
| Return on Equity (ROE) | -6.0608% | 6,801 |
| Retained earnings to average equity (ytd only) | -6.0608% | 6,675 |
| Net charge-offs to loans | 0.2712% | 2,960 |
| Credit loss provision to net charge-offs | 85.3933% | 3,175 |
| Earnings coverage of net charge-offs (x) | -3.2472% | 5,419 |
| Efficiency ratio | 124.7856% | 199 |
| Assets per employee ($millions) | 10.1649% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0022% | 2,220 |
| Loan loss allowance to noncurrent loans | 8.1974% | 6,708 |
| Noncurrent assets plus other real estate owned to assets | 32.3314% | 3 |
| Noncurrent loans to loans | 24.4251% | 22 |
| Net loans and leases to total assets | 58.0866% | 4,144 |
| Net loans and leases to deposits | 69.4233% | 3,979 |
| Net loans and leases to core deposits | 71.5770% | 4,342 |
| Total domestic deposits to total assets | 83.6702% | 4,459 |
| Equity capital to assets | 9.7045% | 4,757 |
| Core capital (leverage) ratio | 7.0469% | 6,807 |
| Tier 1 risk-based capital ratio | 8.4113% | 7,019 |
| Total risk-based capital ratio | 9.6675% | 7,021 |
| Memoranda: | ||
| Average total assets | $115,293,330 | 4,524 |
| Average earning assets | $85,525,330 | 5,064 |
| Average equity | $11,021,670 | 4,806 |
| Average total loans | $65,636,330 | 4,580 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8382% | 6,166 |
| Cost of funding earning assets | 1.2487% | 781 |
| Net interest margin | 2.5895% | 6,881 |
| Noninterest income to average assets | 0.2905% | 5,541 |
| Noninterest expense to average assets | 2.5565% | 4,972 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.2392% | 6,662 |
| Return on assets (ROA) | -0.2392% | 6,714 |
| Pretax return on assets | -0.3452% | 6,753 |
| Return on Equity (ROE) | -2.5209% | 6,724 |
| Retained earnings to average equity (ytd only) | -2.5209% | 6,340 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.6105% | 264 |
| Assets per employee ($millions) | 10.4476% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1015% | 2,101 |
| Loan loss allowance to noncurrent loans | 10.8073% | 6,743 |
| Noncurrent assets plus other real estate owned to assets | 28.1273% | 9 |
| Noncurrent loans to loans | 19.4448% | 55 |
| Net loans and leases to total assets | 54.3185% | 4,667 |
| Net loans and leases to deposits | 64.7374% | 4,523 |
| Net loans and leases to core deposits | 66.2243% | 4,889 |
| Total domestic deposits to total assets | 83.9059% | 4,539 |
| Equity capital to assets | 9.6325% | 4,609 |
| Core capital (leverage) ratio | 6.9376% | 6,865 |
| Tier 1 risk-based capital ratio | 8.8998% | 7,041 |
| Total risk-based capital ratio | 10.1532% | 7,042 |
| Memoranda: | ||
| Average total assets | $117,033,000 | 4,514 |
| Average earning assets | $86,810,500 | 5,058 |
| Average equity | $11,107,000 | 4,800 |
| Average total loans | $65,316,500 | 4,605 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6766% | 6,871 |
| Cost of funding earning assets | 1.3519% | 1,231 |
| Net interest margin | 2.3247% | 7,136 |
| Noninterest income to average assets | 0.0132% | 6,948 |
| Noninterest expense to average assets | 2.5032% | 5,455 |
| Loan and lease loss provision to assets | 0.6285% | 1,626 |
| Net operating income to assets | -0.8449% | 6,672 |
| Return on assets (ROA) | -0.8449% | 6,704 |
| Pretax return on assets | -1.2851% | 6,838 |
| Return on Equity (ROE) | -8.9000% | 6,709 |
| Retained earnings to average equity (ytd only) | -8.9000% | 6,665 |
| Net charge-offs to loans | 1.4291% | 1,139 |
| Credit loss provision to net charge-offs | 70.0737% | 4,846 |
| Earnings coverage of net charge-offs (x) | -0.7320% | 6,147 |
| Efficiency ratio | 135.5546% | 203 |
| Assets per employee ($millions) | 10.8311% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0039% | 2,264 |
| Loan loss allowance to noncurrent loans | 11.4334% | 6,806 |
| Noncurrent assets plus other real estate owned to assets | 27.7979% | 15 |
| Noncurrent loans to loans | 17.5271% | 79 |
| Net loans and leases to total assets | 54.9999% | 4,878 |
| Net loans and leases to deposits | 65.1547% | 4,858 |
| Net loans and leases to core deposits | 65.9879% | 5,253 |
| Total domestic deposits to total assets | 84.4144% | 4,130 |
| Equity capital to assets | 9.3535% | 5,087 |
| Core capital (leverage) ratio | 6.9790% | 6,873 |
| Tier 1 risk-based capital ratio | 8.5326% | 7,081 |
| Total risk-based capital ratio | 9.7951% | 7,081 |
| Memoranda: | ||
| Average total assets | $121,083,200 | 4,368 |
| Average earning assets | $95,495,000 | 4,769 |
| Average equity | $11,494,400 | 4,661 |
| Average total loans | $75,990,600 | 4,270 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6140% | 7,006 |
| Cost of funding earning assets | 1.3664% | 1,387 |
| Net interest margin | 2.2476% | 7,239 |
| Noninterest income to average assets | 0.0110% | 7,074 |
| Noninterest expense to average assets | 2.6388% | 4,945 |
| Loan and lease loss provision to assets | 0.6767% | 1,428 |
| Net operating income to assets | -1.5058% | 7,043 |
| Return on assets (ROA) | -1.5058% | 7,055 |
| Pretax return on assets | -1.5058% | 7,018 |
| Return on Equity (ROE) | -15.8057% | 7,030 |
| Retained earnings to average equity (ytd only) | -15.8057% | 7,005 |
| Net charge-offs to loans | 2.0492% | 608 |
| Credit loss provision to net charge-offs | 51.2884% | 5,008 |
| Earnings coverage of net charge-offs (x) | -0.6284% | 5,871 |
| Efficiency ratio | 145.8182% | 156 |
| Assets per employee ($millions) | 10.6950% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 4,064 |
| Loan loss allowance to noncurrent loans | 6.7708% | 6,925 |
| Noncurrent assets plus other real estate owned to assets | 27.2192% | 14 |
| Noncurrent loans to loans | 22.2287% | 43 |
| Net loans and leases to total assets | 60.0213% | 4,122 |
| Net loans and leases to deposits | 71.0289% | 4,137 |
| Net loans and leases to core deposits | 71.4805% | 4,774 |
| Total domestic deposits to total assets | 84.5025% | 4,007 |
| Equity capital to assets | 9.1589% | 5,574 |
| Core capital (leverage) ratio | 7.0844% | 6,934 |
| Tier 1 risk-based capital ratio | 8.7351% | 7,141 |
| Total risk-based capital ratio | 9.8960% | 7,149 |
| Memoranda: | ||
| Average total assets | $121,568,500 | 4,376 |
| Average earning assets | $97,285,000 | 4,736 |
| Average equity | $11,582,000 | 4,666 |
| Average total loans | $78,271,250 | 4,237 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8158% | 6,907 |
| Cost of funding earning assets | 1.4110% | 1,372 |
| Net interest margin | 2.4049% | 7,233 |
| Noninterest income to average assets | 0.0244% | 7,137 |
| Noninterest expense to average assets | 2.5082% | 5,502 |
| Loan and lease loss provision to assets | 0.2393% | 3,523 |
| Net operating income to assets | -0.7894% | 6,863 |
| Return on assets (ROA) | -0.7894% | 6,876 |
| Pretax return on assets | -0.7894% | 6,819 |
| Return on Equity (ROE) | -8.1850% | 6,873 |
| Retained earnings to average equity (ytd only) | -8.1850% | 6,785 |
| Net charge-offs to loans | 0.6040% | 2,316 |
| Credit loss provision to net charge-offs | 60.4938% | 4,328 |
| Earnings coverage of net charge-offs (x) | -1.3909% | 5,673 |
| Efficiency ratio | 128.0964% | 270 |
| Assets per employee ($millions) | 10.8215% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0218% | 2,306 |
| Loan loss allowance to noncurrent loans | 14.9685% | 6,866 |
| Noncurrent assets plus other real estate owned to assets | 21.8520% | 42 |
| Noncurrent loans to loans | 13.5067% | 182 |
| Net loans and leases to total assets | 63.8768% | 3,494 |
| Net loans and leases to deposits | 76.0971% | 3,449 |
| Net loans and leases to core deposits | 78.0187% | 4,050 |
| Total domestic deposits to total assets | 83.9411% | 4,372 |
| Equity capital to assets | 9.7583% | 4,449 |
| Core capital (leverage) ratio | 7.5861% | 6,684 |
| Tier 1 risk-based capital ratio | 9.3463% | 7,133 |
| Total risk-based capital ratio | 10.6021% | 7,131 |
| Memoranda: | ||
| Average total assets | $122,876,330 | 4,365 |
| Average earning assets | $98,798,670 | 4,735 |
| Average equity | $11,851,000 | 4,592 |
| Average total loans | $80,464,670 | 4,197 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6714% | 7,091 |
| Cost of funding earning assets | 1.4408% | 1,429 |
| Net interest margin | 2.2306% | 7,344 |
| Noninterest income to average assets | 0.0192% | 7,250 |
| Noninterest expense to average assets | 2.3558% | 6,035 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.5353% | 6,821 |
| Return on assets (ROA) | -0.5353% | 6,826 |
| Pretax return on assets | -0.5353% | 6,773 |
| Return on Equity (ROE) | -5.5813% | 6,841 |
| Retained earnings to average equity (ytd only) | -5.5813% | 6,561 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.4014% | 265 |
| Assets per employee ($millions) | 11.2103% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0467% | 2,299 |
| Loan loss allowance to noncurrent loans | 12.0574% | 6,983 |
| Noncurrent assets plus other real estate owned to assets | 22.4705% | 42 |
| Noncurrent loans to loans | 16.9744% | 110 |
| Net loans and leases to total assets | 64.6217% | 3,329 |
| Net loans and leases to deposits | 78.9559% | 2,902 |
| Net loans and leases to core deposits | 82.7143% | 3,348 |
| Total domestic deposits to total assets | 81.8454% | 5,369 |
| Equity capital to assets | 9.6421% | 4,261 |
| Core capital (leverage) ratio | 7.6117% | 6,645 |
| Tier 1 risk-based capital ratio | 9.4844% | 7,146 |
| Total risk-based capital ratio | 10.7393% | 7,150 |
| Memoranda: | ||
| Average total assets | $124,796,000 | 4,363 |
| Average earning assets | $100,779,500 | 4,722 |
| Average equity | $11,968,500 | 4,555 |
| Average total loans | $81,894,000 | 4,194 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9083% | 7,192 |
| Cost of funding earning assets | 1.8405% | 1,025 |
| Net interest margin | 2.0678% | 7,440 |
| Noninterest income to average assets | 1.5964% | 571 |
| Noninterest expense to average assets | 2.4551% | 5,930 |
| Loan and lease loss provision to assets | 0.7475% | 2,198 |
| Net operating income to assets | 0.1664% | 5,385 |
| Return on assets (ROA) | 0.1664% | 5,544 |
| Pretax return on assets | 0.1664% | 5,562 |
| Return on Equity (ROE) | 1.8321% | 5,454 |
| Retained earnings to average equity (ytd only) | 1.8321% | 4,583 |
| Net charge-offs to loans | 1.0806% | 2,056 |
| Credit loss provision to net charge-offs | 96.3389% | 4,821 |
| Earnings coverage of net charge-offs (x) | 1.1778% | 4,926 |
| Efficiency ratio | 72.8740% | 3,625 |
| Assets per employee ($millions) | 11.4799% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0197% | 2,256 |
| Loan loss allowance to noncurrent loans | 12.0495% | 7,062 |
| Noncurrent assets plus other real estate owned to assets | 23.9889% | 35 |
| Noncurrent loans to loans | 16.7621% | 113 |
| Net loans and leases to total assets | 63.9623% | 3,880 |
| Net loans and leases to deposits | 77.9545% | 3,520 |
| Net loans and leases to core deposits | 81.3289% | 4,000 |
| Total domestic deposits to total assets | 82.0509% | 5,172 |
| Equity capital to assets | 9.5400% | 4,348 |
| Core capital (leverage) ratio | 8.2739% | 5,720 |
| Tier 1 risk-based capital ratio | 9.6991% | 7,078 |
| Total risk-based capital ratio | 10.9532% | 7,082 |
| Memoranda: | ||
| Average total assets | $123,212,800 | 4,420 |
| Average earning assets | $105,621,800 | 4,575 |
| Average equity | $11,189,400 | 4,818 |
| Average total loans | $88,467,600 | 4,092 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7867% | 7,410 |
| Cost of funding earning assets | 1.9365% | 910 |
| Net interest margin | 1.8503% | 7,620 |
| Noninterest income to average assets | -0.0566% | 7,505 |
| Noninterest expense to average assets | 2.3553% | 6,165 |
| Loan and lease loss provision to assets | 0.5782% | 2,617 |
| Net operating income to assets | -1.3774% | 7,063 |
| Return on assets (ROA) | -1.3774% | 7,085 |
| Pretax return on assets | -1.3774% | 7,001 |
| Return on Equity (ROE) | -15.3678% | 7,119 |
| Retained earnings to average equity (ytd only) | -15.3678% | 7,093 |
| Net charge-offs to loans | 1.3885% | 1,465 |
| Credit loss provision to net charge-offs | 56.6702% | 5,770 |
| Earnings coverage of net charge-offs (x) | -0.7834% | 6,410 |
| Efficiency ratio | 151.3646% | 199 |
| Assets per employee ($millions) | 11.2730% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5047% | 3,932 |
| Loan loss allowance to noncurrent loans | 6.2152% | 7,221 |
| Noncurrent assets plus other real estate owned to assets | 26.0147% | 17 |
| Noncurrent loans to loans | 24.2101% | 36 |
| Net loans and leases to total assets | 68.3072% | 3,140 |
| Net loans and leases to deposits | 82.2511% | 3,058 |
| Net loans and leases to core deposits | 93.3593% | 2,613 |
| Total domestic deposits to total assets | 83.0472% | 4,576 |
| Equity capital to assets | 8.5675% | 6,194 |
| Core capital (leverage) ratio | 6.5258% | 7,327 |
| Tier 1 risk-based capital ratio | 7.7780% | 7,496 |
| Total risk-based capital ratio | 9.0383% | 7,497 |
| Memoranda: | ||
| Average total assets | $122,446,250 | 4,495 |
| Average earning assets | $106,721,250 | 4,598 |
| Average equity | $10,975,000 | 4,930 |
| Average total loans | $89,975,500 | 4,119 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4286% | 7,630 |
| Cost of funding earning assets | 2.1116% | 634 |
| Net interest margin | 1.3170% | 7,757 |
| Noninterest income to average assets | -0.0197% | 7,565 |
| Noninterest expense to average assets | 2.3014% | 6,351 |
| Loan and lease loss provision to assets | 0.8710% | 1,671 |
| Net operating income to assets | -2.0258% | 7,311 |
| Return on assets (ROA) | -2.0258% | 7,318 |
| Pretax return on assets | -2.0258% | 7,245 |
| Return on Equity (ROE) | -22.2683% | 7,324 |
| Retained earnings to average equity (ytd only) | -22.2683% | 7,308 |
| Net charge-offs to loans | 0.3089% | 3,773 |
| Credit loss provision to net charge-offs | 376.5957% | 963 |
| Earnings coverage of net charge-offs (x) | -4.9929% | 6,287 |
| Efficiency ratio | 200.7153% | 96 |
| Assets per employee ($millions) | 9.8695% | 266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3117% | 1,560 |
| Loan loss allowance to noncurrent loans | 8.4383% | 7,281 |
| Noncurrent assets plus other real estate owned to assets | 24.5673% | 24 |
| Noncurrent loans to loans | 27.3954% | 26 |
| Net loans and leases to total assets | 74.6086% | 1,785 |
| Net loans and leases to deposits | 90.8653% | 1,715 |
| Net loans and leases to core deposits | 96.5399% | 2,387 |
| Total domestic deposits to total assets | 82.1090% | 4,937 |
| Equity capital to assets | 8.9577% | 5,509 |
| Core capital (leverage) ratio | 6.8582% | 7,260 |
| Tier 1 risk-based capital ratio | 8.3043% | 7,500 |
| Total risk-based capital ratio | 9.5695% | 7,513 |
| Memoranda: | ||
| Average total assets | $121,927,330 | 4,529 |
| Average earning assets | $107,973,670 | 4,610 |
| Average equity | $11,092,000 | 4,905 |
| Average total loans | $91,301,670 | 4,118 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8349% | 7,570 |
| Cost of funding earning assets | 2.3498% | 361 |
| Net interest margin | 1.4851% | 7,833 |
| Noninterest income to average assets | 0.0194% | 7,597 |
| Noninterest expense to average assets | 2.2899% | 6,405 |
| Loan and lease loss provision to assets | 1.7207% | 657 |
| Net operating income to assets | -2.6748% | 7,593 |
| Return on assets (ROA) | -2.6748% | 7,591 |
| Pretax return on assets | -2.6748% | 7,543 |
| Return on Equity (ROE) | -29.1878% | 7,565 |
| Retained earnings to average equity (ytd only) | -29.1878% | 7,535 |
| Net charge-offs to loans | 0.6149% | 2,277 |
| Credit loss provision to net charge-offs | 377.3050% | 1,067 |
| Earnings coverage of net charge-offs (x) | -2.0922% | 5,477 |
| Efficiency ratio | 171.4286% | 139 |
| Assets per employee ($millions) | 10.1867% | 255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2799% | 1,608 |
| Loan loss allowance to noncurrent loans | 10.0403% | 7,334 |
| Noncurrent assets plus other real estate owned to assets | 20.5677% | 49 |
| Noncurrent loans to loans | 22.7078% | 52 |
| Net loans and leases to total assets | 73.3164% | 2,122 |
| Net loans and leases to deposits | 89.1885% | 2,036 |
| Net loans and leases to core deposits | 97.1196% | 2,444 |
| Total domestic deposits to total assets | 82.2039% | 4,975 |
| Equity capital to assets | 8.9431% | 5,362 |
| Core capital (leverage) ratio | 6.4651% | 7,476 |
| Tier 1 risk-based capital ratio | 7.7906% | 7,636 |
| Total risk-based capital ratio | 9.0549% | 7,643 |
| Memoranda: | ||
| Average total assets | $123,674,000 | 4,544 |
| Average earning assets | $109,625,000 | 4,622 |
| Average equity | $11,333,500 | 4,890 |
| Average total loans | $91,726,000 | 4,168 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4485% | 7,434 |
| Cost of funding earning assets | 2.9829% | 249 |
| Net interest margin | 1.4656% | 7,874 |
| Noninterest income to average assets | -0.9544% | 7,984 |
| Noninterest expense to average assets | 2.4458% | 6,317 |
| Loan and lease loss provision to assets | 1.1140% | 2,055 |
| Net operating income to assets | -2.0734% | 7,123 |
| Return on assets (ROA) | -2.0734% | 7,119 |
| Pretax return on assets | -3.2120% | 7,349 |
| Return on Equity (ROE) | -19.0839% | 7,113 |
| Retained earnings to average equity (ytd only) | -19.0839% | 7,071 |
| Net charge-offs to loans | 2.4445% | 939 |
| Credit loss provision to net charge-offs | 59.1482% | 6,652 |
| Earnings coverage of net charge-offs (x) | -1.1139% | 6,903 |
| Efficiency ratio | 703.0588% | 24 |
| Assets per employee ($millions) | 10.4257% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8531% | 2,398 |
| Loan loss allowance to noncurrent loans | 9.0599% | 7,378 |
| Noncurrent assets plus other real estate owned to assets | 18.4481% | 75 |
| Noncurrent loans to loans | 20.4537% | 66 |
| Net loans and leases to total assets | 71.9690% | 2,756 |
| Net loans and leases to deposits | 87.7744% | 2,599 |
| Net loans and leases to core deposits | 116.9140% | 2,232 |
| Total domestic deposits to total assets | 81.9932% | 4,948 |
| Equity capital to assets | 9.3799% | 4,588 |
| Core capital (leverage) ratio | 7.2835% | 7,001 |
| Tier 1 risk-based capital ratio | 8.4643% | 7,592 |
| Total risk-based capital ratio | 9.7289% | 7,618 |
| Memoranda: | ||
| Average total assets | $122,167,000 | 4,511 |
| Average earning assets | $108,553,600 | 4,611 |
| Average equity | $13,273,000 | 4,440 |
| Average total loans | $94,131,400 | 4,104 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6322% | 7,374 |
| Cost of funding earning assets | 3.0502% | 281 |
| Net interest margin | 1.5820% | 7,934 |
| Noninterest income to average assets | -0.0296% | 7,880 |
| Noninterest expense to average assets | 2.4946% | 6,084 |
| Loan and lease loss provision to assets | 1.0266% | 1,870 |
| Net operating income to assets | -1.3648% | 7,042 |
| Return on assets (ROA) | -1.3648% | 7,042 |
| Pretax return on assets | -2.1466% | 7,229 |
| Return on Equity (ROE) | -12.1347% | 7,031 |
| Retained earnings to average equity (ytd only) | -12.1347% | 6,954 |
| Net charge-offs to loans | 2.8994% | 597 |
| Credit loss provision to net charge-offs | 45.3883% | 6,370 |
| Earnings coverage of net charge-offs (x) | -0.4951% | 6,473 |
| Efficiency ratio | 181.4696% | 196 |
| Assets per employee ($millions) | 8.4357% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6251% | 2,894 |
| Loan loss allowance to noncurrent loans | 16.0267% | 7,284 |
| Noncurrent assets plus other real estate owned to assets | 11.9477% | 230 |
| Noncurrent loans to loans | 10.1400% | 388 |
| Net loans and leases to total assets | 72.4780% | 2,921 |
| Net loans and leases to deposits | 89.3947% | 2,696 |
| Net loans and leases to core deposits | 124.4251% | 1,863 |
| Total domestic deposits to total assets | 81.0764% | 5,049 |
| Equity capital to assets | 10.2904% | 3,746 |
| Core capital (leverage) ratio | 8.5909% | 5,314 |
| Tier 1 risk-based capital ratio | 9.7652% | 7,170 |
| Total risk-based capital ratio | 11.0198% | 7,133 |
| Memoranda: | ||
| Average total assets | $121,431,750 | 4,559 |
| Average earning assets | $107,793,750 | 4,657 |
| Average equity | $13,657,500 | 4,372 |
| Average total loans | $94,729,500 | 4,129 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6390% | 7,473 |
| Cost of funding earning assets | 3.1033% | 346 |
| Net interest margin | 1.5357% | 8,007 |
| Noninterest income to average assets | 0.0334% | 7,823 |
| Noninterest expense to average assets | 2.5474% | 5,959 |
| Loan and lease loss provision to assets | 0.5095% | 2,990 |
| Net operating income to assets | -1.0206% | 7,002 |
| Return on assets (ROA) | -1.0206% | 6,998 |
| Pretax return on assets | -1.6537% | 7,150 |
| Return on Equity (ROE) | -8.8106% | 6,955 |
| Retained earnings to average equity (ytd only) | -8.8106% | 6,754 |
| Net charge-offs to loans | 3.2153% | 498 |
| Credit loss provision to net charge-offs | 19.9216% | 6,128 |
| Earnings coverage of net charge-offs (x) | -0.4474% | 6,046 |
| Efficiency ratio | 181.5476% | 248 |
| Assets per employee ($millions) | 8.4411% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 3,181 |
| Loan loss allowance to noncurrent loans | 14.5026% | 7,376 |
| Noncurrent assets plus other real estate owned to assets | 11.3231% | 216 |
| Noncurrent loans to loans | 10.3574% | 328 |
| Net loans and leases to total assets | 73.2303% | 2,902 |
| Net loans and leases to deposits | 90.8300% | 2,688 |
| Net loans and leases to core deposits | 119.5302% | 2,410 |
| Total domestic deposits to total assets | 80.6235% | 5,222 |
| Equity capital to assets | 10.7110% | 3,189 |
| Core capital (leverage) ratio | 9.5623% | 3,796 |
| Tier 1 risk-based capital ratio | 10.7324% | 6,158 |
| Total risk-based capital ratio | 11.9833% | 6,092 |
| Memoranda: | ||
| Average total assets | $119,730,670 | 4,643 |
| Average earning assets | $106,789,670 | 4,704 |
| Average equity | $13,869,670 | 4,336 |
| Average total loans | $95,231,000 | 4,135 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5293% | 7,686 |
| Cost of funding earning assets | 3.1505% | 395 |
| Net interest margin | 1.3788% | 8,088 |
| Noninterest income to average assets | 0.0482% | 7,842 |
| Noninterest expense to average assets | 2.4766% | 5,931 |
| Loan and lease loss provision to assets | 0.9631% | 1,348 |
| Net operating income to assets | -1.3449% | 7,435 |
| Return on assets (ROA) | -1.3449% | 7,449 |
| Pretax return on assets | -2.1602% | 7,576 |
| Return on Equity (ROE) | -11.1527% | 7,435 |
| Retained earnings to average equity (ytd only) | -11.1527% | 7,219 |
| Net charge-offs to loans | 2.7146% | 490 |
| Credit loss provision to net charge-offs | 43.0769% | 4,771 |
| Earnings coverage of net charge-offs (x) | -0.5354% | 5,263 |
| Efficiency ratio | 193.5484% | 207 |
| Assets per employee ($millions) | 7.2268% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3877% | 863 |
| Loan loss allowance to noncurrent loans | 21.4657% | 7,092 |
| Noncurrent assets plus other real estate owned to assets | 13.0116% | 120 |
| Noncurrent loans to loans | 11.1231% | 216 |
| Net loans and leases to total assets | 80.2591% | 1,333 |
| Net loans and leases to deposits | 102.0419% | 1,173 |
| Net loans and leases to core deposits | 135.8801% | 1,314 |
| Total domestic deposits to total assets | 78.6531% | 5,834 |
| Equity capital to assets | 11.9755% | 2,279 |
| Core capital (leverage) ratio | 10.6956% | 2,742 |
| Tier 1 risk-based capital ratio | 11.1562% | 5,751 |
| Total risk-based capital ratio | 12.4166% | 5,656 |
| Memoranda: | ||
| Average total assets | $116,287,500 | 4,745 |
| Average earning assets | $103,856,000 | 4,809 |
| Average equity | $14,023,500 | 4,330 |
| Average total loans | $95,778,500 | 4,154 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6030% | 7,055 |
| Cost of funding earning assets | 3.6616% | 304 |
| Net interest margin | 1.9414% | 8,097 |
| Noninterest income to average assets | 0.0573% | 7,857 |
| Noninterest expense to average assets | 2.5590% | 5,795 |
| Loan and lease loss provision to assets | 4.0654% | 157 |
| Net operating income to assets | -2.9756% | 7,819 |
| Return on assets (ROA) | -2.9156% | 7,776 |
| Pretax return on assets | -4.6695% | 7,985 |
| Return on Equity (ROE) | -21.5425% | 7,790 |
| Retained earnings to average equity (ytd only) | -21.5425% | 7,716 |
| Net charge-offs to loans | 3.1580% | 274 |
| Credit loss provision to net charge-offs | 152.1103% | 3,443 |
| Earnings coverage of net charge-offs (x) | -0.2611% | 6,400 |
| Efficiency ratio | 137.4878% | 417 |
| Assets per employee ($millions) | 7.3092% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7362% | 547 |
| Loan loss allowance to noncurrent loans | 29.6763% | 6,723 |
| Noncurrent assets plus other real estate owned to assets | 11.3598% | 115 |
| Noncurrent loans to loans | 9.2201% | 247 |
| Net loans and leases to total assets | 80.2458% | 1,602 |
| Net loans and leases to deposits | 104.3894% | 1,301 |
| Net loans and leases to core deposits | 137.0500% | 1,430 |
| Total domestic deposits to total assets | 76.8716% | 6,026 |
| Equity capital to assets | 12.1423% | 2,195 |
| Core capital (leverage) ratio | 11.3311% | 2,348 |
| Tier 1 risk-based capital ratio | 11.5602% | 5,185 |
| Total risk-based capital ratio | 12.8240% | 5,060 |
| Memoranda: | ||
| Average total assets | $109,926,400 | 4,789 |
| Average earning assets | $102,141,800 | 4,743 |
| Average equity | $14,877,600 | 4,166 |
| Average total loans | $93,034,400 | 4,134 |