Home > Resurgens Bank > Performance and Condition Ratios
Resurgens Bank, Performance and Condition Ratios
| 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 | 5.1935% | 397 |
| Cost of funding earning assets | 0.6501% | 1,139 |
| Net interest margin | 4.5433% | 519 |
| Noninterest income to average assets | 0.4242% | 3,532 |
| Noninterest expense to average assets | 3.1538% | 1,692 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5842% | 732 |
| Return on assets (ROA) | 1.5842% | 752 |
| Pretax return on assets | 1.5842% | 1,393 |
| Return on Equity (ROE) | 13.8647% | 832 |
| Retained earnings to average equity (ytd only) | 2.7494% | 4,063 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5635% | 3,250 |
| Assets per employee ($millions) | 5.6315% | 1,757 |
| Cash dividends to net income (ytd only)* | 80.1698% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 2,379 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 81.7675% | 695 |
| Net loans and leases to deposits | 99.9386% | 743 |
| Net loans and leases to core deposits | 106.4829% | 1,189 |
| Total domestic deposits to total assets | 81.8177% | 3,935 |
| Equity capital to assets | 11.6739% | 2,171 |
| Core capital (leverage) ratio | 11.4125% | 2,032 |
| Tier 1 risk-based capital ratio | 13.8938% | 3,478 |
| Total risk-based capital ratio | 15.1445% | 3,403 |
| Memoranda: | ||
| Average total assets | $163,612,330 | 3,357 |
| Average earning assets | $155,349,000 | 3,301 |
| Average equity | $18,695,000 | 3,306 |
| Average total loans | $136,020,670 | 2,855 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2361% | 360 |
| Cost of funding earning assets | 0.6284% | 1,201 |
| Net interest margin | 4.6076% | 436 |
| Noninterest income to average assets | 0.1978% | 5,084 |
| Noninterest expense to average assets | 3.2022% | 1,605 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3654% | 1,074 |
| Return on assets (ROA) | 1.3654% | 1,112 |
| Pretax return on assets | 1.3654% | 2,009 |
| Return on Equity (ROE) | 12.0800% | 1,212 |
| Retained earnings to average equity (ytd only) | -10.3728% | 5,584 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1070% | 2,870 |
| Assets per employee ($millions) | 5.7504% | 1,690 |
| Cash dividends to net income (ytd only)* | 185.8676% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3072% | 2,504 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 79.9962% | 829 |
| Net loans and leases to deposits | 96.9590% | 854 |
| Net loans and leases to core deposits | 105.6741% | 1,126 |
| Total domestic deposits to total assets | 82.5051% | 4,010 |
| Equity capital to assets | 10.9635% | 2,666 |
| Core capital (leverage) ratio | 11.3318% | 2,075 |
| Tier 1 risk-based capital ratio | 13.2139% | 3,937 |
| Total risk-based capital ratio | 14.4633% | 3,858 |
| Memoranda: | ||
| Average total assets | $163,762,000 | 3,386 |
| Average earning assets | $155,307,000 | 3,332 |
| Average equity | $18,510,000 | 3,345 |
| Average total loans | $136,379,000 | 2,870 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0694% | 528 |
| Cost of funding earning assets | 0.6542% | 1,030 |
| Net interest margin | 4.4151% | 751 |
| Noninterest income to average assets | 0.5551% | 2,886 |
| Noninterest expense to average assets | 3.1231% | 1,968 |
| Loan and lease loss provision to assets | 0.0129% | 4,118 |
| Net operating income to assets | 1.6142% | 656 |
| Return on assets (ROA) | 1.6155% | 680 |
| Pretax return on assets | 1.6155% | 1,234 |
| Return on Equity (ROE) | 13.9369% | 787 |
| Retained earnings to average equity (ytd only) | 8.6297% | 661 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7462% | 3,639 |
| Assets per employee ($millions) | 5.1858% | 2,201 |
| Cash dividends to net income (ytd only)* | 38.0800% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 2,630 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 84.4857% | 340 |
| Net loans and leases to deposits | 103.3292% | 447 |
| Net loans and leases to core deposits | 114.5368% | 678 |
| Total domestic deposits to total assets | 81.7636% | 4,137 |
| Equity capital to assets | 11.6552% | 2,037 |
| Core capital (leverage) ratio | 11.6894% | 1,798 |
| Tier 1 risk-based capital ratio | 13.4593% | 3,793 |
| Total risk-based capital ratio | 14.7093% | 3,692 |
| Memoranda: | ||
| Average total assets | $154,750,600 | 3,448 |
| Average earning assets | $147,039,200 | 3,403 |
| Average equity | $17,938,000 | 3,416 |
| Average total loans | $126,604,800 | 2,969 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9546% | 648 |
| Cost of funding earning assets | 0.6564% | 1,022 |
| Net interest margin | 4.2983% | 932 |
| Noninterest income to average assets | 0.5420% | 2,962 |
| Noninterest expense to average assets | 3.0677% | 2,106 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.5652% | 776 |
| Return on assets (ROA) | 1.5669% | 813 |
| Pretax return on assets | 1.5669% | 1,474 |
| Return on Equity (ROE) | 13.5372% | 913 |
| Retained earnings to average equity (ytd only) | 6.7574% | 1,749 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2160% | 3,558 |
| Assets per employee ($millions) | 5.1029% | 2,254 |
| Cash dividends to net income (ytd only)* | 50.0835% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 2,617 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 83.0242% | 508 |
| Net loans and leases to deposits | 101.5126% | 608 |
| Net loans and leases to core deposits | 111.9669% | 811 |
| Total domestic deposits to total assets | 81.7871% | 4,009 |
| Equity capital to assets | 11.5039% | 2,510 |
| Core capital (leverage) ratio | 11.8065% | 1,808 |
| Tier 1 risk-based capital ratio | 13.3184% | 3,969 |
| Total risk-based capital ratio | 14.5685% | 3,882 |
| Memoranda: | ||
| Average total assets | $153,248,000 | 3,487 |
| Average earning assets | $145,853,500 | 3,439 |
| Average equity | $17,738,250 | 3,474 |
| Average total loans | $123,859,250 | 3,018 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9047% | 715 |
| Cost of funding earning assets | 0.6676% | 949 |
| Net interest margin | 4.2371% | 1,043 |
| Noninterest income to average assets | 0.6873% | 2,200 |
| Noninterest expense to average assets | 3.0119% | 2,306 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7032% | 574 |
| Return on assets (ROA) | 1.7058% | 604 |
| Pretax return on assets | 1.7058% | 1,076 |
| Return on Equity (ROE) | 14.7057% | 720 |
| Retained earnings to average equity (ytd only) | 4.4356% | 3,093 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8780% | 4,042 |
| Assets per employee ($millions) | 5.3517% | 1,934 |
| Cash dividends to net income (ytd only)* | 69.8376% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3837% | 2,365 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 80.2247% | 861 |
| Net loans and leases to deposits | 98.0865% | 884 |
| Net loans and leases to core deposits | 107.2402% | 1,078 |
| Total domestic deposits to total assets | 81.7898% | 4,060 |
| Equity capital to assets | 11.3789% | 2,667 |
| Core capital (leverage) ratio | 11.4699% | 2,016 |
| Tier 1 risk-based capital ratio | 13.6689% | 3,791 |
| Total risk-based capital ratio | 14.9206% | 3,716 |
| Memoranda: | ||
| Average total assets | $151,600,670 | 3,538 |
| Average earning assets | $144,106,670 | 3,479 |
| Average equity | $17,585,000 | 3,502 |
| Average total loans | $120,784,670 | 3,065 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8629% | 748 |
| Cost of funding earning assets | 0.6806% | 890 |
| Net interest margin | 4.1822% | 1,141 |
| Noninterest income to average assets | 1.0387% | 1,006 |
| Noninterest expense to average assets | 2.9025% | 2,702 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.1068% | 276 |
| Return on assets (ROA) | 2.1068% | 286 |
| Pretax return on assets | 2.1068% | 457 |
| Return on Equity (ROE) | 17.9855% | 353 |
| Retained earnings to average equity (ytd only) | 15.7059% | 203 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9424% | 5,007 |
| Assets per employee ($millions) | 6.2143% | 1,262 |
| Cash dividends to net income (ytd only)* | 12.6743% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4538% | 2,179 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 76.2264% | 1,359 |
| Net loans and leases to deposits | 93.5197% | 1,190 |
| Net loans and leases to core deposits | 102.0818% | 1,329 |
| Total domestic deposits to total assets | 81.5084% | 4,356 |
| Equity capital to assets | 11.5424% | 2,404 |
| Core capital (leverage) ratio | 12.0630% | 1,569 |
| Tier 1 risk-based capital ratio | 14.3629% | 3,464 |
| Total risk-based capital ratio | 15.6143% | 3,393 |
| Memoranda: | ||
| Average total assets | $149,801,500 | 3,584 |
| Average earning assets | $142,221,000 | 3,522 |
| Average equity | $17,547,500 | 3,507 |
| Average total loans | $118,049,500 | 3,116 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9417% | 705 |
| Cost of funding earning assets | 0.6242% | 1,209 |
| Net interest margin | 4.3175% | 935 |
| Noninterest income to average assets | 0.5302% | 3,136 |
| Noninterest expense to average assets | 3.0660% | 2,333 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.5602% | 765 |
| Return on assets (ROA) | 1.5602% | 788 |
| Pretax return on assets | 1.5602% | 1,373 |
| Return on Equity (ROE) | 12.6693% | 1,136 |
| Retained earnings to average equity (ytd only) | 9.2732% | 593 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2743% | 3,860 |
| Assets per employee ($millions) | 6.2716% | 1,221 |
| Cash dividends to net income (ytd only)* | 26.8056% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 1,971 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 79.1578% | 967 |
| Net loans and leases to deposits | 97.9556% | 819 |
| Net loans and leases to core deposits | 107.3846% | 1,013 |
| Total domestic deposits to total assets | 80.8099% | 4,542 |
| Equity capital to assets | 11.8984% | 2,030 |
| Core capital (leverage) ratio | 12.8611% | 1,203 |
| Tier 1 risk-based capital ratio | 14.3839% | 3,504 |
| Total risk-based capital ratio | 15.6362% | 3,417 |
| Memoranda: | ||
| Average total assets | $132,223,200 | 3,845 |
| Average earning assets | $125,443,600 | 3,782 |
| Average equity | $16,283,400 | 3,631 |
| Average total loans | $105,238,800 | 3,298 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8849% | 796 |
| Cost of funding earning assets | 0.6304% | 1,211 |
| Net interest margin | 4.2544% | 1,049 |
| Noninterest income to average assets | 0.6779% | 2,338 |
| Noninterest expense to average assets | 3.1429% | 2,103 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.5735% | 817 |
| Return on assets (ROA) | 1.5735% | 854 |
| Pretax return on assets | 1.5735% | 1,461 |
| Return on Equity (ROE) | 12.6578% | 1,208 |
| Retained earnings to average equity (ytd only) | 8.0678% | 1,221 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6375% | 3,776 |
| Assets per employee ($millions) | 5.4326% | 1,846 |
| Cash dividends to net income (ytd only)* | 36.2621% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6213% | 1,714 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 78.0519% | 1,090 |
| Net loans and leases to deposits | 97.5198% | 860 |
| Net loans and leases to core deposits | 107.1535% | 1,030 |
| Total domestic deposits to total assets | 80.0370% | 4,748 |
| Equity capital to assets | 12.2688% | 1,895 |
| Core capital (leverage) ratio | 12.9341% | 1,228 |
| Tier 1 risk-based capital ratio | 15.1620% | 3,207 |
| Total risk-based capital ratio | 16.4163% | 3,142 |
| Memoranda: | ||
| Average total assets | $129,217,500 | 3,940 |
| Average earning assets | $122,661,250 | 3,869 |
| Average equity | $16,063,500 | 3,698 |
| Average total loans | $102,566,250 | 3,377 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9552% | 646 |
| Cost of funding earning assets | 0.6486% | 1,113 |
| Net interest margin | 4.3066% | 907 |
| Noninterest income to average assets | 0.9227% | 1,376 |
| Noninterest expense to average assets | 3.2861% | 1,745 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7242% | 603 |
| Return on assets (ROA) | 1.7242% | 625 |
| Pretax return on assets | 1.7242% | 1,038 |
| Return on Equity (ROE) | 13.8051% | 944 |
| Retained earnings to average equity (ytd only) | 6.8332% | 1,781 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5877% | 4,086 |
| Assets per employee ($millions) | 5.1123% | 2,131 |
| Cash dividends to net income (ytd only)* | 50.5023% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7916% | 1,385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 74.9270% | 1,514 |
| Net loans and leases to deposits | 92.3497% | 1,337 |
| Net loans and leases to core deposits | 101.8171% | 1,342 |
| Total domestic deposits to total assets | 81.1341% | 4,575 |
| Equity capital to assets | 12.6754% | 1,567 |
| Core capital (leverage) ratio | 12.6655% | 1,306 |
| Tier 1 risk-based capital ratio | 16.0664% | 2,822 |
| Total risk-based capital ratio | 17.3227% | 2,779 |
| Memoranda: | ||
| Average total assets | $127,018,000 | 4,021 |
| Average earning assets | $120,559,330 | 3,936 |
| Average equity | $15,863,670 | 3,745 |
| Average total loans | $100,837,000 | 3,427 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9539% | 619 |
| Cost of funding earning assets | 0.6554% | 1,079 |
| Net interest margin | 4.2984% | 880 |
| Noninterest income to average assets | 1.1404% | 873 |
| Noninterest expense to average assets | 3.4401% | 1,422 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7817% | 498 |
| Return on assets (ROA) | 1.7817% | 525 |
| Pretax return on assets | 1.7817% | 896 |
| Return on Equity (ROE) | 14.3735% | 810 |
| Retained earnings to average equity (ytd only) | 0.2803% | 5,281 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8802% | 4,182 |
| Assets per employee ($millions) | 5.5733% | 1,736 |
| Cash dividends to net income (ytd only)* | 98.0496% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6742% | 1,808 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 80.0415% | 681 |
| Net loans and leases to deposits | 98.0946% | 672 |
| Net loans and leases to core deposits | 107.7605% | 832 |
| Total domestic deposits to total assets | 81.5963% | 4,639 |
| Equity capital to assets | 12.2697% | 1,844 |
| Core capital (leverage) ratio | 12.6692% | 1,282 |
| Tier 1 risk-based capital ratio | 14.5552% | 3,693 |
| Total risk-based capital ratio | 15.8047% | 3,618 |
| Memoranda: | ||
| Average total assets | $126,623,500 | 4,053 |
| Average earning assets | $120,229,500 | 3,967 |
| Average equity | $15,695,500 | 3,799 |
| Average total loans | $102,501,000 | 3,406 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0655% | 684 |
| Cost of funding earning assets | 0.7457% | 864 |
| Net interest margin | 4.3198% | 1,023 |
| Noninterest income to average assets | 0.1998% | 5,662 |
| Noninterest expense to average assets | 3.0976% | 2,522 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1855% | 1,635 |
| Return on assets (ROA) | 1.1855% | 1,702 |
| Pretax return on assets | 1.1855% | 2,714 |
| Return on Equity (ROE) | 9.1115% | 2,533 |
| Retained earnings to average equity (ytd only) | 7.0197% | 1,402 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3218% | 3,152 |
| Assets per employee ($millions) | 5.9553% | 1,410 |
| Cash dividends to net income (ytd only)* | 22.9581% | 3,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7357% | 1,689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 4,718 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 79.0862% | 871 |
| Net loans and leases to deposits | 97.4943% | 792 |
| Net loans and leases to core deposits | 100.0152% | 1,393 |
| Total domestic deposits to total assets | 81.1188% | 4,708 |
| Equity capital to assets | 12.5243% | 1,635 |
| Core capital (leverage) ratio | 12.7753% | 1,218 |
| Tier 1 risk-based capital ratio | 15.2035% | 3,377 |
| Total risk-based capital ratio | 16.4532% | 3,329 |
| Memoranda: | ||
| Average total assets | $114,638,200 | 4,284 |
| Average earning assets | $108,360,400 | 4,222 |
| Average equity | $14,915,200 | 3,851 |
| Average total loans | $89,029,600 | 3,656 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0983% | 644 |
| Cost of funding earning assets | 0.7611% | 843 |
| Net interest margin | 4.3372% | 978 |
| Noninterest income to average assets | 0.2047% | 5,706 |
| Noninterest expense to average assets | 3.1204% | 2,405 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1806% | 1,750 |
| Return on assets (ROA) | 1.1806% | 1,821 |
| Pretax return on assets | 1.1806% | 2,856 |
| Return on Equity (ROE) | 8.9802% | 2,693 |
| Retained earnings to average equity (ytd only) | 6.1558% | 2,309 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5512% | 3,080 |
| Assets per employee ($millions) | 5.5542% | 1,678 |
| Cash dividends to net income (ytd only)* | 31.4517% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8321% | 1,626 |
| Loan loss allowance to noncurrent loans | 443.4010% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.3224% | 4,981 |
| Noncurrent loans to loans | 0.4132% | 4,668 |
| Net loans and leases to total assets | 76.6065% | 1,151 |
| Net loans and leases to deposits | 92.1438% | 1,212 |
| Net loans and leases to core deposits | 94.3838% | 1,820 |
| Total domestic deposits to total assets | 83.1380% | 4,080 |
| Equity capital to assets | 12.4738% | 1,715 |
| Core capital (leverage) ratio | 12.7112% | 1,298 |
| Tier 1 risk-based capital ratio | 15.3662% | 3,391 |
| Total risk-based capital ratio | 16.5764% | 3,346 |
| Memoranda: | ||
| Average total assets | $112,032,500 | 4,380 |
| Average earning assets | $105,810,750 | 4,311 |
| Average equity | $14,728,250 | 3,905 |
| Average total loans | $86,123,750 | 3,753 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0732% | 652 |
| Cost of funding earning assets | 0.7824% | 781 |
| Net interest margin | 4.2907% | 1,041 |
| Noninterest income to average assets | 0.1362% | 6,141 |
| Noninterest expense to average assets | 3.1184% | 2,428 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0658% | 2,049 |
| Return on assets (ROA) | 1.0658% | 2,131 |
| Pretax return on assets | 1.0658% | 3,224 |
| Return on Equity (ROE) | 7.9549% | 3,123 |
| Retained earnings to average equity (ytd only) | 3.6683% | 3,857 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5271% | 2,886 |
| Assets per employee ($millions) | 5.7439% | 1,484 |
| Cash dividends to net income (ytd only)* | 53.8860% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9678% | 1,420 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 72.1524% | 1,717 |
| Net loans and leases to deposits | 86.7525% | 1,742 |
| Net loans and leases to core deposits | 89.5703% | 2,166 |
| Total domestic deposits to total assets | 83.1704% | 4,236 |
| Equity capital to assets | 12.2897% | 1,782 |
| Core capital (leverage) ratio | 12.9853% | 1,162 |
| Tier 1 risk-based capital ratio | 15.8510% | 3,174 |
| Total risk-based capital ratio | 17.1032% | 3,109 |
| Memoranda: | ||
| Average total assets | $108,646,000 | 4,475 |
| Average earning assets | $102,500,000 | 4,403 |
| Average equity | $14,557,000 | 3,935 |
| Average total loans | $83,047,000 | 3,831 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0914% | 603 |
| Cost of funding earning assets | 0.7961% | 762 |
| Net interest margin | 4.2954% | 1,006 |
| Noninterest income to average assets | 0.1364% | 6,162 |
| Noninterest expense to average assets | 3.2184% | 2,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9546% | 2,385 |
| Return on assets (ROA) | 0.9546% | 2,457 |
| Pretax return on assets | 0.9546% | 3,492 |
| Return on Equity (ROE) | 6.7945% | 3,588 |
| Retained earnings to average equity (ytd only) | -1.8581% | 5,844 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1242% | 2,626 |
| Assets per employee ($millions) | 6.0187% | 1,289 |
| Cash dividends to net income (ytd only)* | 127.3469% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1476% | 1,240 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 73.4751% | 1,355 |
| Net loans and leases to deposits | 87.9092% | 1,368 |
| Net loans and leases to core deposits | 90.4391% | 1,876 |
| Total domestic deposits to total assets | 83.5807% | 4,428 |
| Equity capital to assets | 13.3187% | 1,167 |
| Core capital (leverage) ratio | 14.4250% | 712 |
| Tier 1 risk-based capital ratio | 17.0916% | 2,646 |
| Total risk-based capital ratio | 18.3477% | 2,593 |
| Memoranda: | ||
| Average total assets | $102,658,500 | 4,660 |
| Average earning assets | $96,475,500 | 4,609 |
| Average equity | $14,423,500 | 3,968 |
| Average total loans | $80,181,500 | 3,926 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1880% | 655 |
| Cost of funding earning assets | 0.8188% | 1,097 |
| Net interest margin | 4.3692% | 960 |
| Noninterest income to average assets | 0.2114% | 5,822 |
| Noninterest expense to average assets | 3.1215% | 2,672 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1681% | 1,692 |
| Return on assets (ROA) | 1.1703% | 1,740 |
| Pretax return on assets | 1.1703% | 2,688 |
| Return on Equity (ROE) | 7.5441% | 3,272 |
| Retained earnings to average equity (ytd only) | 7.5441% | 1,215 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7697% | 3,341 |
| Assets per employee ($millions) | 6.0613% | 1,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2109% | 1,160 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 79.6744% | 631 |
| Net loans and leases to deposits | 97.4671% | 626 |
| Net loans and leases to core deposits | 100.4119% | 1,123 |
| Total domestic deposits to total assets | 81.7449% | 4,953 |
| Equity capital to assets | 14.8668% | 694 |
| Core capital (leverage) ratio | 15.5798% | 530 |
| Tier 1 risk-based capital ratio | 17.9831% | 2,251 |
| Total risk-based capital ratio | 19.2324% | 2,221 |
| Memoranda: | ||
| Average total assets | $89,892,000 | 4,984 |
| Average earning assets | $83,905,000 | 4,935 |
| Average equity | $13,944,600 | 4,083 |
| Average total loans | $70,457,600 | 4,251 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1356% | 730 |
| Cost of funding earning assets | 0.8141% | 1,248 |
| Net interest margin | 4.3216% | 1,047 |
| Noninterest income to average assets | 0.2194% | 5,860 |
| Noninterest expense to average assets | 3.2047% | 2,353 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0470% | 2,195 |
| Return on assets (ROA) | 1.0501% | 2,266 |
| Pretax return on assets | 1.0501% | 3,300 |
| Return on Equity (ROE) | 6.6924% | 3,825 |
| Retained earnings to average equity (ytd only) | 6.6924% | 2,038 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3737% | 2,835 |
| Assets per employee ($millions) | 5.6167% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4105% | 1,036 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 78.7041% | 683 |
| Net loans and leases to deposits | 93.7951% | 840 |
| Net loans and leases to core deposits | 96.7684% | 1,334 |
| Total domestic deposits to total assets | 83.9107% | 4,226 |
| Equity capital to assets | 15.7054% | 592 |
| Core capital (leverage) ratio | 16.2008% | 468 |
| Tier 1 risk-based capital ratio | 18.7252% | 2,071 |
| Total risk-based capital ratio | 19.9751% | 2,042 |
| Memoranda: | ||
| Average total assets | $88,119,750 | 5,073 |
| Average earning assets | $82,220,750 | 5,020 |
| Average equity | $13,826,250 | 4,146 |
| Average total loans | $68,318,000 | 4,365 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9960% | 915 |
| Cost of funding earning assets | 0.8196% | 1,308 |
| Net interest margin | 4.1764% | 1,344 |
| Noninterest income to average assets | 0.2330% | 5,778 |
| Noninterest expense to average assets | 3.3014% | 2,067 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8316% | 3,142 |
| Return on assets (ROA) | 0.8362% | 3,271 |
| Pretax return on assets | 0.8362% | 4,175 |
| Return on Equity (ROE) | 5.3313% | 4,550 |
| Retained earnings to average equity (ytd only) | 5.3313% | 2,851 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8784% | 2,174 |
| Assets per employee ($millions) | 5.9131% | 1,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5556% | 924 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 75.1015% | 1,094 |
| Net loans and leases to deposits | 89.3761% | 1,202 |
| Net loans and leases to core deposits | 91.9319% | 1,717 |
| Total domestic deposits to total assets | 84.0286% | 4,304 |
| Equity capital to assets | 15.6444% | 593 |
| Core capital (leverage) ratio | 15.8696% | 479 |
| Tier 1 risk-based capital ratio | 18.8348% | 2,039 |
| Total risk-based capital ratio | 20.0679% | 2,004 |
| Memoranda: | ||
| Average total assets | $87,537,330 | 5,118 |
| Average earning assets | $81,744,670 | 5,061 |
| Average equity | $13,730,330 | 4,205 |
| Average total loans | $66,932,000 | 4,427 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9857% | 914 |
| Cost of funding earning assets | 0.8178% | 1,430 |
| Net interest margin | 4.1678% | 1,284 |
| Noninterest income to average assets | 0.2116% | 5,971 |
| Noninterest expense to average assets | 3.4131% | 1,804 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6900% | 3,741 |
| Return on assets (ROA) | 0.6900% | 3,886 |
| Pretax return on assets | 0.6900% | 4,620 |
| Return on Equity (ROE) | 4.3932% | 4,900 |
| Retained earnings to average equity (ytd only) | 4.3932% | 3,601 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1839% | 1,873 |
| Assets per employee ($millions) | 5.7924% | 1,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7167% | 900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 72.0001% | 1,349 |
| Net loans and leases to deposits | 85.7958% | 1,371 |
| Net loans and leases to core deposits | 87.8624% | 1,925 |
| Total domestic deposits to total assets | 83.9203% | 4,510 |
| Equity capital to assets | 15.8000% | 591 |
| Core capital (leverage) ratio | 15.9159% | 470 |
| Tier 1 risk-based capital ratio | 19.4680% | 1,916 |
| Total risk-based capital ratio | 20.7184% | 1,888 |
| Memoranda: | ||
| Average total assets | $86,958,000 | 5,172 |
| Average earning assets | $81,193,000 | 5,112 |
| Average equity | $13,657,500 | 4,257 |
| Average total loans | $66,218,500 | 4,487 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1863% | 1,146 |
| Cost of funding earning assets | 0.9004% | 1,933 |
| Net interest margin | 4.2858% | 1,428 |
| Noninterest income to average assets | 0.2376% | 5,743 |
| Noninterest expense to average assets | 3.1156% | 2,881 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2123% | 1,562 |
| Return on assets (ROA) | 1.2319% | 1,666 |
| Pretax return on assets | 1.2319% | 2,671 |
| Return on Equity (ROE) | 8.2316% | 2,988 |
| Retained earnings to average equity (ytd only) | 8.2316% | 1,055 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9883% | 3,419 |
| Assets per employee ($millions) | 5.8020% | 1,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5641% | 1,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 76.2783% | 878 |
| Net loans and leases to deposits | 90.7221% | 1,005 |
| Net loans and leases to core deposits | 92.8916% | 1,563 |
| Total domestic deposits to total assets | 84.0791% | 4,279 |
| Equity capital to assets | 15.6119% | 619 |
| Core capital (leverage) ratio | 15.4982% | 507 |
| Tier 1 risk-based capital ratio | 18.5521% | 2,089 |
| Total risk-based capital ratio | 19.8018% | 2,056 |
| Memoranda: | ||
| Average total assets | $86,692,800 | 5,170 |
| Average earning assets | $82,737,800 | 5,051 |
| Average equity | $12,974,400 | 4,364 |
| Average total loans | $62,434,600 | 4,613 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9300% | 1,901 |
| Cost of funding earning assets | 0.9202% | 2,045 |
| Net interest margin | 4.0099% | 2,465 |
| Noninterest income to average assets | 0.2617% | 5,691 |
| Noninterest expense to average assets | 3.0697% | 2,977 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0361% | 2,335 |
| Return on assets (ROA) | 1.0376% | 2,545 |
| Pretax return on assets | 1.0376% | 3,573 |
| Return on Equity (ROE) | 7.0090% | 3,810 |
| Retained earnings to average equity (ytd only) | 7.0090% | 2,124 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7657% | 2,865 |
| Assets per employee ($millions) | 5.4070% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8472% | 849 |
| Loan loss allowance to noncurrent loans | 109.5298% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 1.8437% | 2,870 |
| Noncurrent loans to loans | 2.5995% | 2,197 |
| Net loans and leases to total assets | 68.9049% | 2,134 |
| Net loans and leases to deposits | 81.7082% | 2,162 |
| Net loans and leases to core deposits | 84.0799% | 2,685 |
| Total domestic deposits to total assets | 84.3305% | 4,063 |
| Equity capital to assets | 15.2557% | 761 |
| Core capital (leverage) ratio | 14.7687% | 651 |
| Tier 1 risk-based capital ratio | 20.0718% | 1,734 |
| Total risk-based capital ratio | 21.3223% | 1,709 |
| Memoranda: | ||
| Average total assets | $86,608,500 | 5,219 |
| Average earning assets | $83,026,250 | 5,096 |
| Average equity | $12,821,250 | 4,438 |
| Average total loans | $61,010,250 | 4,725 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9442% | 1,941 |
| Cost of funding earning assets | 0.9493% | 2,069 |
| Net interest margin | 3.9949% | 2,528 |
| Noninterest income to average assets | 0.3024% | 5,391 |
| Noninterest expense to average assets | 3.0309% | 3,150 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0988% | 2,052 |
| Return on assets (ROA) | 1.1011% | 2,265 |
| Pretax return on assets | 1.1011% | 3,297 |
| Return on Equity (ROE) | 7.5144% | 3,505 |
| Retained earnings to average equity (ytd only) | 7.5144% | 1,862 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3930% | 3,174 |
| Assets per employee ($millions) | 5.6521% | 1,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7722% | 969 |
| Loan loss allowance to noncurrent loans | 108.3747% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 1.7825% | 3,060 |
| Noncurrent loans to loans | 2.5580% | 2,355 |
| Net loans and leases to total assets | 67.7540% | 2,317 |
| Net loans and leases to deposits | 79.3360% | 2,473 |
| Net loans and leases to core deposits | 81.4993% | 3,022 |
| Total domestic deposits to total assets | 85.4013% | 3,661 |
| Equity capital to assets | 14.3045% | 976 |
| Core capital (leverage) ratio | 14.7913% | 640 |
| Tier 1 risk-based capital ratio | 19.1654% | 1,920 |
| Total risk-based capital ratio | 20.4115% | 1,902 |
| Memoranda: | ||
| Average total assets | $86,640,670 | 5,256 |
| Average earning assets | $83,005,670 | 5,127 |
| Average equity | $12,695,670 | 4,459 |
| Average total loans | $60,894,330 | 4,746 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0205% | 1,821 |
| Cost of funding earning assets | 1.0001% | 1,986 |
| Net interest margin | 4.0204% | 2,415 |
| Noninterest income to average assets | 0.4012% | 4,663 |
| Noninterest expense to average assets | 3.0869% | 2,963 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1470% | 1,891 |
| Return on assets (ROA) | 1.1470% | 2,071 |
| Pretax return on assets | 1.1470% | 3,128 |
| Return on Equity (ROE) | 7.7293% | 3,395 |
| Retained earnings to average equity (ytd only) | 7.7293% | 2,079 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9097% | 3,269 |
| Assets per employee ($millions) | 5.4440% | 1,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9101% | 904 |
| Loan loss allowance to noncurrent loans | 95.3082% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 2.1044% | 2,773 |
| Noncurrent loans to loans | 3.0534% | 2,107 |
| Net loans and leases to total assets | 66.9143% | 2,308 |
| Net loans and leases to deposits | 78.6095% | 2,395 |
| Net loans and leases to core deposits | 80.3931% | 3,025 |
| Total domestic deposits to total assets | 85.1224% | 3,974 |
| Equity capital to assets | 14.6055% | 830 |
| Core capital (leverage) ratio | 15.0939% | 587 |
| Tier 1 risk-based capital ratio | 19.7531% | 1,771 |
| Total risk-based capital ratio | 21.0033% | 1,739 |
| Memoranda: | ||
| Average total assets | $84,744,500 | 5,348 |
| Average earning assets | $80,788,500 | 5,224 |
| Average equity | $12,575,500 | 4,491 |
| Average total loans | $59,832,000 | 4,827 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0936% | 2,479 |
| Cost of funding earning assets | 1.1731% | 2,202 |
| Net interest margin | 3.9205% | 3,255 |
| Noninterest income to average assets | 0.2203% | 5,952 |
| Noninterest expense to average assets | 3.1431% | 3,053 |
| Loan and lease loss provision to assets | 1.2154% | 719 |
| Net operating income to assets | -0.3831% | 6,402 |
| Return on assets (ROA) | -0.3635% | 6,441 |
| Pretax return on assets | -0.3635% | 6,398 |
| Return on Equity (ROE) | -2.6900% | 6,383 |
| Retained earnings to average equity (ytd only) | -2.6900% | 6,237 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0640% | 2,436 |
| Assets per employee ($millions) | 5.4923% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9296% | 873 |
| Loan loss allowance to noncurrent loans | 94.2795% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 2.4216% | 2,512 |
| Noncurrent loans to loans | 3.1074% | 2,081 |
| Net loans and leases to total assets | 70.2616% | 1,981 |
| Net loans and leases to deposits | 83.0142% | 2,066 |
| Net loans and leases to core deposits | 84.1083% | 2,879 |
| Total domestic deposits to total assets | 84.6380% | 4,027 |
| Equity capital to assets | 15.0865% | 762 |
| Core capital (leverage) ratio | 15.0431% | 598 |
| Tier 1 risk-based capital ratio | 19.5576% | 1,737 |
| Total risk-based capital ratio | 20.8069% | 1,709 |
| Memoranda: | ||
| Average total assets | $81,702,400 | 5,414 |
| Average earning assets | $78,254,400 | 5,285 |
| Average equity | $11,040,800 | 4,769 |
| Average total loans | $55,166,400 | 5,067 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0423% | 2,879 |
| Cost of funding earning assets | 1.2155% | 2,220 |
| Net interest margin | 3.8268% | 3,736 |
| Noninterest income to average assets | 0.2322% | 5,958 |
| Noninterest expense to average assets | 3.1414% | 3,020 |
| Loan and lease loss provision to assets | 1.5912% | 412 |
| Net operating income to assets | -0.8242% | 6,807 |
| Return on assets (ROA) | -0.7980% | 6,833 |
| Pretax return on assets | -0.7980% | 6,785 |
| Return on Equity (ROE) | -6.0844% | 6,722 |
| Retained earnings to average equity (ytd only) | -6.0844% | 6,648 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3766% | 2,199 |
| Assets per employee ($millions) | 5.8216% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1160% | 786 |
| Loan loss allowance to noncurrent loans | 85.0739% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 2.6650% | 2,426 |
| Noncurrent loans to loans | 3.6627% | 1,872 |
| Net loans and leases to total assets | 65.8830% | 2,927 |
| Net loans and leases to deposits | 77.8519% | 3,027 |
| Net loans and leases to core deposits | 78.1943% | 3,874 |
| Total domestic deposits to total assets | 84.6261% | 3,952 |
| Equity capital to assets | 15.0929% | 834 |
| Core capital (leverage) ratio | 14.7484% | 716 |
| Tier 1 risk-based capital ratio | 20.2545% | 1,627 |
| Total risk-based capital ratio | 21.4738% | 1,598 |
| Memoranda: | ||
| Average total assets | $81,531,750 | 5,456 |
| Average earning assets | $78,322,750 | 5,318 |
| Average equity | $10,693,750 | 4,870 |
| Average total loans | $54,050,000 | 5,155 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1413% | 2,507 |
| Cost of funding earning assets | 1.2580% | 2,200 |
| Net interest margin | 3.8834% | 3,386 |
| Noninterest income to average assets | 0.2379% | 5,950 |
| Noninterest expense to average assets | 3.1836% | 2,963 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7947% | 3,106 |
| Return on assets (ROA) | 0.8339% | 3,044 |
| Pretax return on assets | 0.8339% | 3,895 |
| Return on Equity (ROE) | 6.6942% | 3,595 |
| Retained earnings to average equity (ytd only) | 6.6942% | 2,026 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0247% | 2,386 |
| Assets per employee ($millions) | 6.3295% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 4,588 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 6,667 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 64.6841% | 3,321 |
| Net loans and leases to deposits | 74.3072% | 3,752 |
| Net loans and leases to core deposits | 75.1762% | 4,412 |
| Total domestic deposits to total assets | 87.0496% | 2,716 |
| Equity capital to assets | 12.6247% | 1,724 |
| Core capital (leverage) ratio | 12.5468% | 1,337 |
| Tier 1 risk-based capital ratio | 17.1150% | 2,474 |
| Total risk-based capital ratio | 18.2740% | 2,485 |
| Memoranda: | ||
| Average total assets | $81,541,670 | 5,500 |
| Average earning assets | $78,540,330 | 5,360 |
| Average equity | $10,158,000 | 5,007 |
| Average total loans | $53,592,330 | 5,228 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0874% | 2,700 |
| Cost of funding earning assets | 1.2502% | 2,502 |
| Net interest margin | 3.8371% | 3,430 |
| Noninterest income to average assets | 0.2267% | 6,104 |
| Noninterest expense to average assets | 3.2130% | 2,854 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7343% | 3,356 |
| Return on assets (ROA) | 0.7737% | 3,223 |
| Pretax return on assets | 0.7737% | 3,998 |
| Return on Equity (ROE) | 6.2531% | 3,754 |
| Retained earnings to average equity (ytd only) | 6.2531% | 2,495 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3983% | 2,321 |
| Assets per employee ($millions) | 5.8868% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4227% | 4,554 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 6,729 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 63.3902% | 3,563 |
| Net loans and leases to deposits | 72.4681% | 3,989 |
| Net loans and leases to core deposits | 73.5713% | 4,579 |
| Total domestic deposits to total assets | 87.4732% | 2,679 |
| Equity capital to assets | 12.2793% | 1,749 |
| Core capital (leverage) ratio | 12.7135% | 1,235 |
| Tier 1 risk-based capital ratio | 17.1028% | 2,435 |
| Total risk-based capital ratio | 18.2838% | 2,434 |
| Memoranda: | ||
| Average total assets | $81,171,000 | 5,560 |
| Average earning assets | $78,704,500 | 5,397 |
| Average equity | $10,043,000 | 5,042 |
| Average total loans | $53,399,500 | 5,282 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1733% | 3,733 |
| Cost of funding earning assets | 1.5685% | 2,249 |
| Net interest margin | 3.6048% | 4,797 |
| Noninterest income to average assets | 0.2523% | 5,995 |
| Noninterest expense to average assets | 3.0867% | 3,518 |
| Loan and lease loss provision to assets | 0.2331% | 4,949 |
| Net operating income to assets | 0.4355% | 4,387 |
| Return on assets (ROA) | 0.4355% | 4,539 |
| Pretax return on assets | 0.4355% | 4,835 |
| Return on Equity (ROE) | 3.4991% | 4,756 |
| Retained earnings to average equity (ytd only) | 3.4991% | 3,415 |
| Net charge-offs to loans | -0.0057% | 7,276 |
| Credit loss provision to net charge-offs | -6,066.6667% | 7,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1965% | 2,137 |
| Assets per employee ($millions) | 5.7091% | 1,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4014% | 4,499 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2052% | 6,709 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 66.3706% | 3,389 |
| Net loans and leases to deposits | 76.0741% | 3,826 |
| Net loans and leases to core deposits | 77.2652% | 4,558 |
| Total domestic deposits to total assets | 87.2446% | 2,702 |
| Equity capital to assets | 12.4689% | 1,651 |
| Core capital (leverage) ratio | 12.3325% | 1,381 |
| Tier 1 risk-based capital ratio | 16.7298% | 2,446 |
| Total risk-based capital ratio | 17.9057% | 2,445 |
| Memoranda: | ||
| Average total assets | $78,077,800 | 5,641 |
| Average earning assets | $75,870,200 | 5,484 |
| Average equity | $9,716,800 | 5,205 |
| Average total loans | $53,055,400 | 5,358 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2120% | 3,775 |
| Cost of funding earning assets | 1.6284% | 2,228 |
| Net interest margin | 3.5836% | 4,951 |
| Noninterest income to average assets | 0.2594% | 6,045 |
| Noninterest expense to average assets | 3.1745% | 3,012 |
| Loan and lease loss provision to assets | 0.2199% | 4,864 |
| Net operating income to assets | 0.3504% | 4,965 |
| Return on assets (ROA) | 0.3504% | 5,138 |
| Pretax return on assets | 0.3504% | 5,367 |
| Return on Equity (ROE) | 2.8172% | 5,298 |
| Retained earnings to average equity (ytd only) | 2.8172% | 4,455 |
| Net charge-offs to loans | -0.0076% | 7,244 |
| Credit loss provision to net charge-offs | -4,266.6667% | 7,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7706% | 1,754 |
| Assets per employee ($millions) | 6.1614% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 4,974 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2047% | 6,854 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 66.4161% | 3,591 |
| Net loans and leases to deposits | 75.9602% | 4,184 |
| Net loans and leases to core deposits | 77.1366% | 4,905 |
| Total domestic deposits to total assets | 87.4354% | 2,298 |
| Equity capital to assets | 12.2750% | 1,995 |
| Core capital (leverage) ratio | 12.0746% | 1,630 |
| Tier 1 risk-based capital ratio | 16.6199% | 2,501 |
| Total risk-based capital ratio | 17.8036% | 2,494 |
| Memoranda: | ||
| Average total assets | $77,615,500 | 5,730 |
| Average earning assets | $75,490,250 | 5,560 |
| Average equity | $9,654,500 | 5,301 |
| Average total loans | $52,868,750 | 5,445 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1545% | 4,168 |
| Cost of funding earning assets | 1.6745% | 2,263 |
| Net interest margin | 3.4800% | 5,324 |
| Noninterest income to average assets | 0.2552% | 6,085 |
| Noninterest expense to average assets | 3.1333% | 3,172 |
| Loan and lease loss provision to assets | 0.3334% | 3,734 |
| Net operating income to assets | 0.1771% | 5,643 |
| Return on assets (ROA) | 0.1771% | 5,767 |
| Pretax return on assets | 0.1771% | 5,826 |
| Return on Equity (ROE) | 1.4174% | 5,827 |
| Retained earnings to average equity (ytd only) | 1.4174% | 5,165 |
| Net charge-offs to loans | -0.0114% | 7,214 |
| Credit loss provision to net charge-offs | -4,266.6667% | 7,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9900% | 1,707 |
| Assets per employee ($millions) | 5.7548% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2945% | 4,953 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 66.2492% | 3,782 |
| Net loans and leases to deposits | 75.6845% | 4,385 |
| Net loans and leases to core deposits | 76.8428% | 5,100 |
| Total domestic deposits to total assets | 87.5334% | 2,241 |
| Equity capital to assets | 12.0198% | 2,084 |
| Core capital (leverage) ratio | 12.4156% | 1,439 |
| Tier 1 risk-based capital ratio | 16.3692% | 2,528 |
| Total risk-based capital ratio | 17.5545% | 2,502 |
| Memoranda: | ||
| Average total assets | $76,788,000 | 5,780 |
| Average earning assets | $74,769,670 | 5,617 |
| Average equity | $9,595,330 | 5,316 |
| Average total loans | $52,525,670 | 5,489 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0931% | 4,565 |
| Cost of funding earning assets | 1.7141% | 2,317 |
| Net interest margin | 3.3790% | 5,673 |
| Noninterest income to average assets | 0.2563% | 6,098 |
| Noninterest expense to average assets | 3.2417% | 2,728 |
| Loan and lease loss provision to assets | 0.5768% | 2,186 |
| Net operating income to assets | -0.2670% | 6,621 |
| Return on assets (ROA) | -0.2670% | 6,681 |
| Pretax return on assets | -0.2670% | 6,606 |
| Return on Equity (ROE) | -2.0940% | 6,647 |
| Retained earnings to average equity (ytd only) | -2.0940% | 6,228 |
| Net charge-offs to loans | -0.0232% | 7,113 |
| Credit loss provision to net charge-offs | -3,600.0000% | 6,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2782% | 1,331 |
| Assets per employee ($millions) | 5.5241% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 5,186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 69.2118% | 3,109 |
| Net loans and leases to deposits | 79.1749% | 3,808 |
| Net loans and leases to core deposits | 80.4300% | 4,710 |
| Total domestic deposits to total assets | 87.4163% | 2,405 |
| Equity capital to assets | 12.3510% | 1,843 |
| Core capital (leverage) ratio | 12.6469% | 1,349 |
| Tier 1 risk-based capital ratio | 16.6909% | 2,380 |
| Total risk-based capital ratio | 17.8825% | 2,356 |
| Memoranda: | ||
| Average total assets | $74,898,500 | 5,912 |
| Average earning assets | $73,039,500 | 5,743 |
| Average equity | $9,551,000 | 5,363 |
| Average total loans | $51,751,000 | 5,597 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7246% | 7,099 |
| Cost of funding earning assets | 2.1456% | 2,250 |
| Net interest margin | 2.5790% | 7,350 |
| Noninterest income to average assets | 0.2647% | 6,221 |
| Noninterest expense to average assets | 4.1211% | 1,193 |
| Loan and lease loss provision to assets | 0.7999% | 2,734 |
| Net operating income to assets | -2.1272% | 7,137 |
| Return on assets (ROA) | -2.1272% | 7,135 |
| Pretax return on assets | -2.1272% | 6,990 |
| Return on Equity (ROE) | -11.1073% | 6,705 |
| Retained earnings to average equity (ytd only) | -11.1073% | 6,607 |
| Net charge-offs to loans | 0.0191% | 6,957 |
| Credit loss provision to net charge-offs | 6,900.0000% | 47 |
| Earnings coverage of net charge-offs (x) | -114.5000% | 7,226 |
| Efficiency ratio | 147.5104% | 334 |
| Assets per employee ($millions) | 5.1756% | 1,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 5,622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 67.2463% | 3,870 |
| Net loans and leases to deposits | 77.7538% | 4,431 |
| Net loans and leases to core deposits | 88.8172% | 5,242 |
| Total domestic deposits to total assets | 86.4862% | 2,771 |
| Equity capital to assets | 13.1799% | 1,438 |
| Core capital (leverage) ratio | 12.8561% | 1,295 |
| Tier 1 risk-based capital ratio | 17.8205% | 1,939 |
| Total risk-based capital ratio | 18.8848% | 1,949 |
| Memoranda: | ||
| Average total assets | $51,757,800 | 6,645 |
| Average earning assets | $50,755,200 | 6,506 |
| Average equity | $9,912,400 | 5,319 |
| Average total loans | $31,422,200 | 6,559 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4722% | 7,541 |
| Cost of funding earning assets | 2.1836% | 2,484 |
| Net interest margin | 2.2887% | 7,657 |
| Noninterest income to average assets | 0.2547% | 6,409 |
| Noninterest expense to average assets | 4.5252% | 723 |
| Loan and lease loss provision to assets | 0.9159% | 2,092 |
| Net operating income to assets | -2.9424% | 7,571 |
| Return on assets (ROA) | -2.9424% | 7,577 |
| Pretax return on assets | -2.9424% | 7,485 |
| Return on Equity (ROE) | -13.7022% | 7,116 |
| Retained earnings to average equity (ytd only) | -13.7022% | 7,055 |
| Net charge-offs to loans | 0.0297% | 6,469 |
| Credit loss provision to net charge-offs | 5,333.3333% | 76 |
| Earnings coverage of net charge-offs (x) | -117.9975% | 6,975 |
| Efficiency ratio | 181.0997% | 198 |
| Assets per employee ($millions) | 5.1986% | 1,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 5,376 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 55.7585% | 6,167 |
| Net loans and leases to deposits | 64.4716% | 6,456 |
| Net loans and leases to core deposits | 73.3263% | 6,766 |
| Total domestic deposits to total assets | 86.4853% | 2,431 |
| Equity capital to assets | 13.1533% | 1,638 |
| Core capital (leverage) ratio | 14.9751% | 863 |
| Tier 1 risk-based capital ratio | 20.1278% | 1,533 |
| Total risk-based capital ratio | 21.1327% | 1,536 |
| Memoranda: | ||
| Average total assets | $46,582,500 | 6,893 |
| Average earning assets | $45,673,250 | 6,749 |
| Average equity | $10,003,000 | 5,335 |
| Average total loans | $26,954,000 | 6,856 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6360% | 7,478 |
| Cost of funding earning assets | 2.1963% | 2,812 |
| Net interest margin | 2.4397% | 7,540 |
| Noninterest income to average assets | 0.2536% | 6,462 |
| Noninterest expense to average assets | 5.4584% | 389 |
| Loan and lease loss provision to assets | 0.9511% | 1,780 |
| Net operating income to assets | -3.7728% | 7,795 |
| Return on assets (ROA) | -3.7728% | 7,796 |
| Pretax return on assets | -3.7728% | 7,711 |
| Return on Equity (ROE) | -14.0741% | 7,284 |
| Retained earnings to average equity (ytd only) | -14.0741% | 7,185 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 207.0140% | 180 |
| Assets per employee ($millions) | 3.9583% | 3,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 5,231 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 56.6676% | 6,131 |
| Net loans and leases to deposits | 70.3702% | 5,944 |
| Net loans and leases to core deposits | 76.7975% | 6,620 |
| Total domestic deposits to total assets | 80.5278% | 5,265 |
| Equity capital to assets | 19.1030% | 451 |
| Core capital (leverage) ratio | 21.2108% | 308 |
| Tier 1 risk-based capital ratio | 28.7099% | 679 |
| Total risk-based capital ratio | 29.7086% | 678 |
| Memoranda: | ||
| Average total assets | $37,850,000 | 7,296 |
| Average earning assets | $36,971,330 | 7,176 |
| Average equity | $10,146,330 | 5,318 |
| Average total loans | $22,253,330 | 7,194 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4394% | 7,769 |
| Cost of funding earning assets | 2.0806% | 3,737 |
| Net interest margin | 2.3589% | 7,665 |
| Noninterest income to average assets | 0.3221% | 5,876 |
| Noninterest expense to average assets | 6.2101% | 269 |
| Loan and lease loss provision to assets | 1.3915% | 916 |
| Net operating income to assets | -4.9861% | 8,041 |
| Return on assets (ROA) | -4.9861% | 8,032 |
| Pretax return on assets | -4.9861% | 7,986 |
| Return on Equity (ROE) | -15.0226% | 7,603 |
| Retained earnings to average equity (ytd only) | -15.0226% | 7,437 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 237.4384% | 140 |
| Assets per employee ($millions) | 3.6029% | 4,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 5,072 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 57.9935% | 5,939 |
| Net loans and leases to deposits | 78.2727% | 4,877 |
| Net loans and leases to core deposits | 86.2407% | 5,882 |
| Total domestic deposits to total assets | 74.0916% | 6,875 |
| Equity capital to assets | 25.5450% | 213 |
| Core capital (leverage) ratio | 31.2523% | 142 |
| Tier 1 risk-based capital ratio | 37.6649% | 366 |
| Total risk-based capital ratio | 38.6674% | 366 |
| Memoranda: | ||
| Average total assets | $31,046,000 | 7,607 |
| Average earning assets | $30,184,000 | 7,508 |
| Average equity | $10,304,500 | 5,295 |
| Average total loans | $18,629,500 | 7,458 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0209% | 8,222 |
| Cost of funding earning assets | 0.4155% | 8,202 |
| Net interest margin | 1.6054% | 8,171 |
| Noninterest income to average assets | 0.0300% | 7,983 |
| Noninterest expense to average assets | 7.8909% | 227 |
| Loan and lease loss provision to assets | 0.9669% | 1,525 |
| Net operating income to assets | -7.2964% | 8,206 |
| Return on assets (ROA) | -7.2964% | 8,202 |
| Pretax return on assets | -7.2964% | 8,176 |
| Return on Equity (ROE) | -11.0757% | 7,350 |
| Retained earnings to average equity (ytd only) | -11.0757% | 7,165 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 505.3846% | 44 |
| Assets per employee ($millions) | 2.0418% | 7,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 4,925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 61.6429% | 5,673 |
| Net loans and leases to deposits | 116.6288% | 498 |
| Net loans and leases to core deposits | 122.1869% | 2,489 |
| Total domestic deposits to total assets | 52.8540% | 8,101 |
| Equity capital to assets | 46.6830% | 85 |
| Core capital (leverage) ratio | 54.6663% | 70 |
| Tier 1 risk-based capital ratio | 65.1566% | 136 |
| Total risk-based capital ratio | 66.1571% | 135 |
| Memoranda: | ||
| Average total assets | $16,652,000 | 8,113 |
| Average earning assets | $15,884,000 | 8,075 |
| Average equity | $10,970,000 | 5,133 |
| Average total loans | $7,408,330 | 8,059 |