Home > Ripley Federal Savings Bank > Performance and Condition Ratios
Ripley Federal Savings Bank, Performance and Condition Ratios
| 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 | 4.3068% | 2,244 |
| Cost of funding earning assets | 0.8682% | 418 |
| Net interest margin | 3.4386% | 3,713 |
| Noninterest income to average assets | 0.2980% | 4,400 |
| Noninterest expense to average assets | 2.8583% | 2,541 |
| Loan and lease loss provision to assets | 0.0880% | 2,325 |
| Net operating income to assets | 0.3540% | 5,098 |
| Return on assets (ROA) | 0.3540% | 5,117 |
| Pretax return on assets | 0.3540% | 5,252 |
| Return on Equity (ROE) | 3.6284% | 4,955 |
| Retained earnings to average equity (ytd only) | 3.6284% | 3,761 |
| Net charge-offs to loans | 0.0284% | 2,870 |
| Credit loss provision to net charge-offs | 400.0000% | 766 |
| Earnings coverage of net charge-offs (x) | 20.0859% | 1,971 |
| Efficiency ratio | 86.6061% | 592 |
| Assets per employee ($millions) | 3.8474% | 4,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8547% | 774 |
| Loan loss allowance to noncurrent loans | 154.3974% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.9388% | 1,818 |
| Noncurrent loans to loans | 1.2012% | 1,592 |
| Net loans and leases to total assets | 76.6994% | 1,470 |
| Net loans and leases to deposits | 93.0223% | 1,417 |
| Net loans and leases to core deposits | 95.3672% | 2,140 |
| Total domestic deposits to total assets | 82.4527% | 3,641 |
| Equity capital to assets | 10.1229% | 3,774 |
| Core capital (leverage) ratio | 10.4031% | 3,081 |
| Tier 1 risk-based capital ratio | 15.0454% | 2,895 |
| Total risk-based capital ratio | 16.3035% | 2,825 |
| Memoranda: | ||
| Average total assets | $66,657,250 | 4,885 |
| Average earning assets | $58,201,250 | 4,955 |
| Average equity | $6,504,000 | 5,078 |
| Average total loans | $51,706,000 | 4,450 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2541% | 2,271 |
| Cost of funding earning assets | 0.8597% | 385 |
| Net interest margin | 3.3944% | 3,792 |
| Noninterest income to average assets | 0.3012% | 4,380 |
| Noninterest expense to average assets | 2.8416% | 2,610 |
| Loan and lease loss provision to assets | 0.1282% | 1,622 |
| Net operating income to assets | 0.2982% | 5,228 |
| Return on assets (ROA) | 0.2982% | 5,247 |
| Pretax return on assets | 0.2982% | 5,341 |
| Return on Equity (ROE) | 3.0936% | 5,088 |
| Retained earnings to average equity (ytd only) | 3.0936% | 3,870 |
| Net charge-offs to loans | 0.0655% | 1,993 |
| Credit loss provision to net charge-offs | 252.9412% | 1,066 |
| Earnings coverage of net charge-offs (x) | 8.4118% | 2,513 |
| Efficiency ratio | 86.9526% | 610 |
| Assets per employee ($millions) | 3.9561% | 4,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8156% | 856 |
| Loan loss allowance to noncurrent loans | 141.0795% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.9918% | 1,769 |
| Noncurrent loans to loans | 1.2869% | 1,494 |
| Net loans and leases to total assets | 75.6665% | 1,588 |
| Net loans and leases to deposits | 91.8954% | 1,508 |
| Net loans and leases to core deposits | 94.1533% | 2,140 |
| Total domestic deposits to total assets | 82.3398% | 3,789 |
| Equity capital to assets | 9.7364% | 4,194 |
| Core capital (leverage) ratio | 10.2754% | 3,171 |
| Tier 1 risk-based capital ratio | 14.3291% | 3,252 |
| Total risk-based capital ratio | 15.5866% | 3,170 |
| Memoranda: | ||
| Average total assets | $67,074,330 | 4,917 |
| Average earning assets | $58,625,670 | 4,980 |
| Average equity | $6,465,000 | 5,111 |
| Average total loans | $51,903,330 | 4,469 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3124% | 1,922 |
| Cost of funding earning assets | 0.8611% | 356 |
| Net interest margin | 3.4513% | 3,444 |
| Noninterest income to average assets | 0.3045% | 4,380 |
| Noninterest expense to average assets | 2.8603% | 2,578 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4598% | 4,740 |
| Return on assets (ROA) | 0.4598% | 4,763 |
| Pretax return on assets | 0.4598% | 5,033 |
| Return on Equity (ROE) | 4.7949% | 4,484 |
| Retained earnings to average equity (ytd only) | 4.7949% | 3,015 |
| Net charge-offs to loans | -0.0462% | 5,148 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1511% | 796 |
| Assets per employee ($millions) | 3.7051% | 4,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7818% | 991 |
| Loan loss allowance to noncurrent loans | 145.0394% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.9522% | 1,931 |
| Noncurrent loans to loans | 1.2285% | 1,647 |
| Net loans and leases to total assets | 76.1257% | 1,396 |
| Net loans and leases to deposits | 90.5215% | 1,474 |
| Net loans and leases to core deposits | 92.7203% | 2,097 |
| Total domestic deposits to total assets | 84.0968% | 3,444 |
| Equity capital to assets | 9.7015% | 4,063 |
| Core capital (leverage) ratio | 10.2633% | 3,173 |
| Tier 1 risk-based capital ratio | 14.4936% | 3,205 |
| Total risk-based capital ratio | 15.7506% | 3,136 |
| Memoranda: | ||
| Average total assets | $66,985,000 | 4,970 |
| Average earning assets | $58,529,000 | 5,038 |
| Average equity | $6,423,500 | 5,165 |
| Average total loans | $51,940,500 | 4,508 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3230% | 2,069 |
| Cost of funding earning assets | 0.9209% | 267 |
| Net interest margin | 3.4021% | 3,820 |
| Noninterest income to average assets | 0.1740% | 5,353 |
| Noninterest expense to average assets | 3.1165% | 1,987 |
| Loan and lease loss provision to assets | 0.8579% | 131 |
| Net operating income to assets | -0.8341% | 5,820 |
| Return on assets (ROA) | -0.8341% | 5,826 |
| Pretax return on assets | -0.8341% | 5,818 |
| Return on Equity (ROE) | -8.4343% | 5,826 |
| Retained earnings to average equity (ytd only) | -8.4343% | 5,764 |
| Net charge-offs to loans | 0.9273% | 203 |
| Credit loss provision to net charge-offs | 117.9959% | 2,248 |
| Earnings coverage of net charge-offs (x) | 0.0327% | 4,134 |
| Efficiency ratio | 99.2424% | 233 |
| Assets per employee ($millions) | 3.7377% | 4,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7532% | 1,036 |
| Loan loss allowance to noncurrent loans | 144.5498% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 1.0464% | 1,807 |
| Noncurrent loans to loans | 1.2129% | 1,696 |
| Net loans and leases to total assets | 76.2140% | 1,481 |
| Net loans and leases to deposits | 90.3446% | 1,644 |
| Net loans and leases to core deposits | 92.5159% | 2,251 |
| Total domestic deposits to total assets | 84.3592% | 3,288 |
| Equity capital to assets | 9.4784% | 4,292 |
| Core capital (leverage) ratio | 9.9187% | 3,602 |
| Tier 1 risk-based capital ratio | 14.1540% | 3,379 |
| Total risk-based capital ratio | 15.4121% | 3,294 |
| Memoranda: | ||
| Average total assets | $67,254,600 | 4,985 |
| Average earning assets | $58,639,400 | 5,056 |
| Average equity | $6,651,400 | 5,160 |
| Average total loans | $52,736,000 | 4,498 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2741% | 2,246 |
| Cost of funding earning assets | 0.9308% | 247 |
| Net interest margin | 3.3433% | 4,043 |
| Noninterest income to average assets | 0.1150% | 5,659 |
| Noninterest expense to average assets | 3.1484% | 1,905 |
| Loan and lease loss provision to assets | 1.1321% | 82 |
| Net operating income to assets | -1.2530% | 5,918 |
| Return on assets (ROA) | -1.2530% | 5,919 |
| Pretax return on assets | -1.2530% | 5,914 |
| Return on Equity (ROE) | -12.5394% | 5,914 |
| Retained earnings to average equity (ytd only) | -12.5394% | 5,869 |
| Net charge-offs to loans | 1.2256% | 128 |
| Credit loss provision to net charge-offs | 117.4897% | 2,129 |
| Earnings coverage of net charge-offs (x) | -0.1255% | 3,828 |
| Efficiency ratio | 103.9948% | 175 |
| Assets per employee ($millions) | 3.7627% | 4,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7177% | 1,178 |
| Loan loss allowance to noncurrent loans | 139.4495% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 1.0070% | 2,049 |
| Noncurrent loans to loans | 1.2318% | 1,822 |
| Net loans and leases to total assets | 77.0479% | 1,351 |
| Net loans and leases to deposits | 91.8456% | 1,519 |
| Net loans and leases to core deposits | 94.0522% | 2,191 |
| Total domestic deposits to total assets | 83.8885% | 3,246 |
| Equity capital to assets | 9.2886% | 4,877 |
| Core capital (leverage) ratio | 10.0452% | 3,511 |
| Tier 1 risk-based capital ratio | 14.0093% | 3,556 |
| Total risk-based capital ratio | 15.2657% | 3,472 |
| Memoranda: | ||
| Average total assets | $67,248,500 | 5,030 |
| Average earning assets | $58,583,500 | 5,102 |
| Average equity | $6,720,000 | 5,200 |
| Average total loans | $52,872,250 | 4,529 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3379% | 2,025 |
| Cost of funding earning assets | 0.9423% | 230 |
| Net interest margin | 3.3956% | 3,914 |
| Noninterest income to average assets | 0.1103% | 5,742 |
| Noninterest expense to average assets | 3.1570% | 1,914 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.0924% | 5,811 |
| Return on assets (ROA) | -0.0924% | 5,828 |
| Pretax return on assets | -0.0924% | 5,825 |
| Return on Equity (ROE) | -0.9034% | 5,834 |
| Retained earnings to average equity (ytd only) | -0.9034% | 5,429 |
| Net charge-offs to loans | -0.0303% | 5,129 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.0156% | 201 |
| Assets per employee ($millions) | 3.7299% | 4,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5821% | 1,580 |
| Loan loss allowance to noncurrent loans | 235.8757% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.6107% | 3,189 |
| Noncurrent loans to loans | 0.6707% | 3,058 |
| Net loans and leases to total assets | 77.3690% | 1,280 |
| Net loans and leases to deposits | 92.0993% | 1,499 |
| Net loans and leases to core deposits | 94.3322% | 2,134 |
| Total domestic deposits to total assets | 84.0061% | 3,268 |
| Equity capital to assets | 10.2416% | 3,922 |
| Core capital (leverage) ratio | 10.8676% | 2,569 |
| Tier 1 risk-based capital ratio | 14.9497% | 3,097 |
| Total risk-based capital ratio | 16.2047% | 3,038 |
| Memoranda: | ||
| Average total assets | $67,088,670 | 5,083 |
| Average earning assets | $58,369,670 | 5,153 |
| Average equity | $6,863,000 | 5,224 |
| Average total loans | $52,798,000 | 4,561 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3114% | 2,090 |
| Cost of funding earning assets | 0.9543% | 221 |
| Net interest margin | 3.3572% | 4,017 |
| Noninterest income to average assets | 0.1372% | 5,664 |
| Noninterest expense to average assets | 3.1492% | 1,958 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0954% | 5,845 |
| Return on assets (ROA) | -0.0954% | 5,862 |
| Pretax return on assets | -0.0954% | 5,860 |
| Return on Equity (ROE) | -0.9334% | 5,870 |
| Retained earnings to average equity (ytd only) | -0.9334% | 5,275 |
| Net charge-offs to loans | -0.0227% | 4,919 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.1250% | 226 |
| Assets per employee ($millions) | 3.9466% | 4,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5679% | 1,724 |
| Loan loss allowance to noncurrent loans | 206.4677% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.8302% | 2,614 |
| Noncurrent loans to loans | 0.7594% | 2,935 |
| Net loans and leases to total assets | 77.6665% | 1,144 |
| Net loans and leases to deposits | 91.2031% | 1,435 |
| Net loans and leases to core deposits | 93.3869% | 2,060 |
| Total domestic deposits to total assets | 85.1577% | 3,062 |
| Equity capital to assets | 10.2203% | 3,825 |
| Core capital (leverage) ratio | 10.8836% | 2,535 |
| Tier 1 risk-based capital ratio | 14.9871% | 3,167 |
| Total risk-based capital ratio | 16.2406% | 3,099 |
| Memoranda: | ||
| Average total assets | $67,064,000 | 5,129 |
| Average earning assets | $58,263,500 | 5,210 |
| Average equity | $6,856,500 | 5,262 |
| Average total loans | $52,807,500 | 4,596 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1124% | 2,867 |
| Cost of funding earning assets | 1.0147% | 166 |
| Net interest margin | 3.0978% | 4,905 |
| Noninterest income to average assets | 0.3285% | 4,552 |
| Noninterest expense to average assets | 3.1406% | 2,115 |
| Loan and lease loss provision to assets | 0.0151% | 4,107 |
| Net operating income to assets | -0.1356% | 5,937 |
| Return on assets (ROA) | -0.0422% | 5,915 |
| Pretax return on assets | -0.0422% | 5,904 |
| Return on Equity (ROE) | -0.4059% | 5,914 |
| Retained earnings to average equity (ytd only) | -0.4059% | 5,575 |
| Net charge-offs to loans | 0.1627% | 1,740 |
| Credit loss provision to net charge-offs | 12.5000% | 3,808 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 4,330 |
| Efficiency ratio | 103.9920% | 215 |
| Assets per employee ($millions) | 3.7242% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5699% | 1,723 |
| Loan loss allowance to noncurrent loans | 206.2344% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.8935% | 2,431 |
| Noncurrent loans to loans | 0.7612% | 2,896 |
| Net loans and leases to total assets | 77.3465% | 1,202 |
| Net loans and leases to deposits | 90.4855% | 1,554 |
| Net loans and leases to core deposits | 92.6488% | 2,162 |
| Total domestic deposits to total assets | 85.4794% | 2,872 |
| Equity capital to assets | 10.2273% | 3,709 |
| Core capital (leverage) ratio | 10.8952% | 2,498 |
| Tier 1 risk-based capital ratio | 14.8243% | 3,260 |
| Total risk-based capital ratio | 16.0777% | 3,196 |
| Memoranda: | ||
| Average total assets | $66,357,800 | 5,172 |
| Average earning assets | $57,654,200 | 5,250 |
| Average equity | $6,898,400 | 5,264 |
| Average total loans | $49,174,800 | 4,695 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0473% | 3,138 |
| Cost of funding earning assets | 1.0199% | 163 |
| Net interest margin | 3.0274% | 5,129 |
| Noninterest income to average assets | 0.3445% | 4,468 |
| Noninterest expense to average assets | 3.0800% | 2,273 |
| Loan and lease loss provision to assets | 0.0201% | 3,873 |
| Net operating income to assets | -0.1249% | 6,017 |
| Return on assets (ROA) | 0.0000% | 5,969 |
| Pretax return on assets | 0.0000% | 5,967 |
| Return on Equity (ROE) | 0.0000% | 5,969 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,590 |
| Net charge-offs to loans | 0.2208% | 1,183 |
| Credit loss provision to net charge-offs | 12.5000% | 3,426 |
| Earnings coverage of net charge-offs (x) | -0.6500% | 4,038 |
| Efficiency ratio | 103.5206% | 222 |
| Assets per employee ($millions) | 3.3167% | 5,094 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5914% | 1,816 |
| Loan loss allowance to noncurrent loans | 200.7282% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.9196% | 2,562 |
| Noncurrent loans to loans | 0.7928% | 2,981 |
| Net loans and leases to total assets | 77.0959% | 1,238 |
| Net loans and leases to deposits | 90.3502% | 1,597 |
| Net loans and leases to core deposits | 92.5393% | 2,213 |
| Total domestic deposits to total assets | 85.3301% | 2,864 |
| Equity capital to assets | 10.3523% | 3,755 |
| Core capital (leverage) ratio | 11.1403% | 2,359 |
| Tier 1 risk-based capital ratio | 15.0142% | 3,282 |
| Total risk-based capital ratio | 16.2686% | 3,222 |
| Memoranda: | ||
| Average total assets | $66,188,250 | 5,234 |
| Average earning assets | $57,518,500 | 5,324 |
| Average equity | $6,909,000 | 5,330 |
| Average total loans | $48,299,250 | 4,777 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0128% | 3,233 |
| Cost of funding earning assets | 1.0232% | 157 |
| Net interest margin | 2.9896% | 5,250 |
| Noninterest income to average assets | 0.3236% | 4,634 |
| Noninterest expense to average assets | 3.0360% | 2,438 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1149% | 6,056 |
| Return on assets (ROA) | 0.0726% | 5,949 |
| Pretax return on assets | 0.0726% | 5,956 |
| Return on Equity (ROE) | 0.6933% | 5,939 |
| Retained earnings to average equity (ytd only) | 0.6933% | 5,281 |
| Net charge-offs to loans | 0.3441% | 764 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -0.4691% | 3,747 |
| Efficiency ratio | 103.9337% | 251 |
| Assets per employee ($millions) | 3.3333% | 5,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6399% | 1,789 |
| Loan loss allowance to noncurrent loans | 171.4286% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 1.0215% | 2,465 |
| Noncurrent loans to loans | 0.9566% | 2,734 |
| Net loans and leases to total assets | 73.4167% | 1,752 |
| Net loans and leases to deposits | 84.4998% | 2,252 |
| Net loans and leases to core deposits | 86.5025% | 2,715 |
| Total domestic deposits to total assets | 86.8839% | 2,229 |
| Equity capital to assets | 10.3126% | 3,672 |
| Core capital (leverage) ratio | 11.2100% | 2,239 |
| Tier 1 risk-based capital ratio | 15.5795% | 3,058 |
| Total risk-based capital ratio | 16.8348% | 3,001 |
| Memoranda: | ||
| Average total assets | $66,140,000 | 5,299 |
| Average earning assets | $57,466,670 | 5,385 |
| Average equity | $6,923,000 | 5,370 |
| Average total loans | $47,076,670 | 4,849 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0690% | 2,956 |
| Cost of funding earning assets | 1.0277% | 155 |
| Net interest margin | 3.0413% | 5,100 |
| Noninterest income to average assets | 0.3157% | 4,663 |
| Noninterest expense to average assets | 3.0420% | 2,447 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0850% | 6,085 |
| Return on assets (ROA) | -0.0850% | 6,117 |
| Pretax return on assets | -0.0850% | 6,108 |
| Return on Equity (ROE) | -0.8061% | 6,114 |
| Retained earnings to average equity (ytd only) | -0.8061% | 5,518 |
| Net charge-offs to loans | 0.3936% | 620 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -0.3111% | 3,135 |
| Efficiency ratio | 102.8747% | 291 |
| Assets per employee ($millions) | 3.6740% | 4,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8813% | 1,323 |
| Loan loss allowance to noncurrent loans | 242.0455% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.8861% | 2,861 |
| Noncurrent loans to loans | 0.7773% | 3,310 |
| Net loans and leases to total assets | 67.1914% | 2,578 |
| Net loans and leases to deposits | 77.4331% | 2,887 |
| Net loans and leases to core deposits | 79.2873% | 3,253 |
| Total domestic deposits to total assets | 86.7734% | 2,515 |
| Equity capital to assets | 10.5093% | 3,521 |
| Core capital (leverage) ratio | 11.3029% | 2,154 |
| Tier 1 risk-based capital ratio | 16.9856% | 2,483 |
| Total risk-based capital ratio | 18.2966% | 2,421 |
| Memoranda: | ||
| Average total assets | $65,877,000 | 5,356 |
| Average earning assets | $57,213,000 | 5,439 |
| Average equity | $6,947,000 | 5,414 |
| Average total loans | $45,735,000 | 4,929 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2814% | 2,676 |
| Cost of funding earning assets | 1.0918% | 140 |
| Net interest margin | 3.1896% | 4,958 |
| Noninterest income to average assets | 0.2500% | 5,336 |
| Noninterest expense to average assets | 3.0110% | 2,810 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0089% | 6,080 |
| Return on assets (ROA) | 0.0089% | 6,101 |
| Pretax return on assets | 0.0089% | 6,085 |
| Return on Equity (ROE) | 0.0864% | 6,101 |
| Retained earnings to average equity (ytd only) | 0.0864% | 5,730 |
| Net charge-offs to loans | 0.1700% | 2,329 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.0732% | 4,700 |
| Efficiency ratio | 99.7043% | 373 |
| Assets per employee ($millions) | 3.6457% | 4,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9423% | 1,218 |
| Loan loss allowance to noncurrent loans | 168.9266% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.8290% | 3,137 |
| Noncurrent loans to loans | 1.1498% | 2,545 |
| Net loans and leases to total assets | 69.0104% | 2,394 |
| Net loans and leases to deposits | 79.6489% | 2,768 |
| Net loans and leases to core deposits | 81.5773% | 3,146 |
| Total domestic deposits to total assets | 86.6432% | 2,488 |
| Equity capital to assets | 10.5818% | 3,386 |
| Core capital (leverage) ratio | 11.2247% | 2,196 |
| Tier 1 risk-based capital ratio | 17.2297% | 2,411 |
| Total risk-based capital ratio | 18.4906% | 2,362 |
| Memoranda: | ||
| Average total assets | $67,187,600 | 5,363 |
| Average earning assets | $58,345,000 | 5,447 |
| Average equity | $6,942,000 | 5,429 |
| Average total loans | $48,231,400 | 4,874 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3030% | 2,621 |
| Cost of funding earning assets | 1.0996% | 144 |
| Net interest margin | 3.2034% | 4,956 |
| Noninterest income to average assets | 0.2308% | 5,550 |
| Noninterest expense to average assets | 3.0107% | 2,770 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0020% | 6,138 |
| Return on assets (ROA) | 0.0020% | 6,153 |
| Pretax return on assets | 0.0020% | 6,142 |
| Return on Equity (ROE) | 0.0192% | 6,153 |
| Retained earnings to average equity (ytd only) | 0.0192% | 5,787 |
| Net charge-offs to loans | 0.2243% | 1,698 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.0122% | 4,447 |
| Efficiency ratio | 99.9345% | 368 |
| Assets per employee ($millions) | 3.7036% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8533% | 1,569 |
| Loan loss allowance to noncurrent loans | 110.8776% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 1.2450% | 2,469 |
| Noncurrent loans to loans | 1.6715% | 1,951 |
| Net loans and leases to total assets | 71.2589% | 1,979 |
| Net loans and leases to deposits | 82.0208% | 2,422 |
| Net loans and leases to core deposits | 83.9724% | 2,885 |
| Total domestic deposits to total assets | 86.8790% | 2,383 |
| Equity capital to assets | 10.4089% | 3,674 |
| Core capital (leverage) ratio | 11.0403% | 2,450 |
| Tier 1 risk-based capital ratio | 16.6275% | 2,757 |
| Total risk-based capital ratio | 17.8860% | 2,709 |
| Memoranda: | ||
| Average total assets | $67,579,000 | 5,412 |
| Average earning assets | $58,686,250 | 5,495 |
| Average equity | $6,941,500 | 5,476 |
| Average total loans | $48,743,500 | 4,909 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3317% | 2,463 |
| Cost of funding earning assets | 1.1110% | 140 |
| Net interest margin | 3.2207% | 4,870 |
| Noninterest income to average assets | 0.2092% | 5,702 |
| Noninterest expense to average assets | 3.0434% | 2,677 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.0412% | 6,216 |
| Return on assets (ROA) | -0.0412% | 6,232 |
| Pretax return on assets | -0.0412% | 6,222 |
| Return on Equity (ROE) | -0.4033% | 6,232 |
| Retained earnings to average equity (ytd only) | -0.4033% | 5,753 |
| Net charge-offs to loans | 0.3357% | 1,215 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -0.1707% | 4,147 |
| Efficiency ratio | 101.3739% | 370 |
| Assets per employee ($millions) | 3.7326% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8617% | 1,673 |
| Loan loss allowance to noncurrent loans | 101.1274% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.3515% | 2,422 |
| Noncurrent loans to loans | 1.8410% | 1,865 |
| Net loans and leases to total assets | 70.3767% | 2,024 |
| Net loans and leases to deposits | 80.9422% | 2,391 |
| Net loans and leases to core deposits | 83.2142% | 2,825 |
| Total domestic deposits to total assets | 86.9469% | 2,479 |
| Equity capital to assets | 10.3324% | 3,647 |
| Core capital (leverage) ratio | 10.9295% | 2,497 |
| Tier 1 risk-based capital ratio | 16.5349% | 2,809 |
| Total risk-based capital ratio | 17.7938% | 2,773 |
| Memoranda: | ||
| Average total assets | $67,884,000 | 5,448 |
| Average earning assets | $58,868,330 | 5,538 |
| Average equity | $6,942,330 | 5,503 |
| Average total loans | $48,857,670 | 4,936 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4480% | 1,966 |
| Cost of funding earning assets | 1.1188% | 146 |
| Net interest margin | 3.3292% | 4,429 |
| Noninterest income to average assets | 0.1055% | 6,314 |
| Noninterest expense to average assets | 3.1363% | 2,420 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1524% | 6,325 |
| Return on assets (ROA) | -0.1524% | 6,329 |
| Pretax return on assets | -0.1524% | 6,318 |
| Return on Equity (ROE) | -1.4980% | 6,332 |
| Retained earnings to average equity (ytd only) | -1.4980% | 5,800 |
| Net charge-offs to loans | 0.2358% | 1,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.8966% | 3,505 |
| Efficiency ratio | 105.1081% | 347 |
| Assets per employee ($millions) | 3.5685% | 4,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9639% | 1,590 |
| Loan loss allowance to noncurrent loans | 124.5085% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 1.8466% | 1,882 |
| Noncurrent loans to loans | 1.5773% | 2,450 |
| Net loans and leases to total assets | 69.9459% | 1,893 |
| Net loans and leases to deposits | 80.3388% | 2,249 |
| Net loans and leases to core deposits | 82.3834% | 2,700 |
| Total domestic deposits to total assets | 87.0636% | 2,766 |
| Equity capital to assets | 10.2491% | 3,541 |
| Core capital (leverage) ratio | 10.8115% | 2,583 |
| Tier 1 risk-based capital ratio | 16.1229% | 3,107 |
| Total risk-based capital ratio | 17.3835% | 3,064 |
| Memoranda: | ||
| Average total assets | $68,232,500 | 5,502 |
| Average earning assets | $58,993,000 | 5,588 |
| Average equity | $6,942,500 | 5,533 |
| Average total loans | $49,196,000 | 4,963 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6244% | 1,787 |
| Cost of funding earning assets | 1.2068% | 170 |
| Net interest margin | 3.4177% | 4,212 |
| Noninterest income to average assets | 0.3887% | 4,528 |
| Noninterest expense to average assets | 3.3994% | 1,880 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.0680% | 6,271 |
| Return on assets (ROA) | -0.0680% | 6,298 |
| Pretax return on assets | -0.0680% | 6,269 |
| Return on Equity (ROE) | -0.6678% | 6,305 |
| Retained earnings to average equity (ytd only) | -0.6678% | 6,003 |
| Net charge-offs to loans | 0.1165% | 3,647 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -0.7797% | 5,242 |
| Efficiency ratio | 102.0408% | 423 |
| Assets per employee ($millions) | 3.6139% | 4,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9573% | 1,654 |
| Loan loss allowance to noncurrent loans | 78.8245% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 2.4613% | 1,402 |
| Noncurrent loans to loans | 2.4831% | 1,529 |
| Net loans and leases to total assets | 71.4188% | 1,773 |
| Net loans and leases to deposits | 81.8435% | 2,197 |
| Net loans and leases to core deposits | 83.8976% | 2,685 |
| Total domestic deposits to total assets | 87.2626% | 2,593 |
| Equity capital to assets | 10.1014% | 3,637 |
| Core capital (leverage) ratio | 10.7122% | 2,664 |
| Tier 1 risk-based capital ratio | 15.8923% | 3,150 |
| Total risk-based capital ratio | 17.1522% | 3,103 |
| Memoranda: | ||
| Average total assets | $67,659,200 | 5,549 |
| Average earning assets | $58,255,600 | 5,646 |
| Average equity | $6,888,000 | 5,600 |
| Average total loans | $50,627,400 | 4,940 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7256% | 1,533 |
| Cost of funding earning assets | 1.2228% | 177 |
| Net interest margin | 3.5028% | 3,870 |
| Noninterest income to average assets | 0.3936% | 4,578 |
| Noninterest expense to average assets | 3.3764% | 1,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0316% | 6,253 |
| Return on assets (ROA) | 0.0316% | 6,307 |
| Pretax return on assets | 0.0316% | 6,285 |
| Return on Equity (ROE) | 0.3102% | 6,304 |
| Retained earnings to average equity (ytd only) | 0.3102% | 5,844 |
| Net charge-offs to loans | 0.1077% | 3,464 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.3902% | 4,736 |
| Efficiency ratio | 99.0714% | 493 |
| Assets per employee ($millions) | 3.2883% | 5,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9637% | 1,817 |
| Loan loss allowance to noncurrent loans | 336.8243% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 1.1064% | 3,442 |
| Noncurrent loans to loans | 0.5830% | 4,745 |
| Net loans and leases to total assets | 72.0813% | 1,587 |
| Net loans and leases to deposits | 83.1079% | 1,987 |
| Net loans and leases to core deposits | 85.5593% | 2,461 |
| Total domestic deposits to total assets | 86.7321% | 2,835 |
| Equity capital to assets | 10.0516% | 3,828 |
| Core capital (leverage) ratio | 10.7402% | 2,740 |
| Tier 1 risk-based capital ratio | 15.8878% | 3,257 |
| Total risk-based capital ratio | 17.1477% | 3,197 |
| Memoranda: | ||
| Average total assets | $67,408,000 | 5,614 |
| Average earning assets | $58,008,750 | 5,716 |
| Average equity | $6,876,000 | 5,674 |
| Average total loans | $50,779,750 | 4,975 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8596% | 1,194 |
| Cost of funding earning assets | 1.2332% | 187 |
| Net interest margin | 3.6264% | 3,256 |
| Noninterest income to average assets | 0.4038% | 4,494 |
| Noninterest expense to average assets | 3.3473% | 1,945 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1705% | 5,974 |
| Return on assets (ROA) | 0.1705% | 6,088 |
| Pretax return on assets | 0.1705% | 6,124 |
| Return on Equity (ROE) | 1.6632% | 6,047 |
| Retained earnings to average equity (ytd only) | 1.6632% | 5,187 |
| Net charge-offs to loans | 0.1654% | 2,790 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.3571% | 4,090 |
| Efficiency ratio | 95.1531% | 699 |
| Assets per employee ($millions) | 3.5501% | 4,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9638% | 1,935 |
| Loan loss allowance to noncurrent loans | 321.2903% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 1.1534% | 3,440 |
| Noncurrent loans to loans | 0.6112% | 4,728 |
| Net loans and leases to total assets | 73.7146% | 1,300 |
| Net loans and leases to deposits | 85.3084% | 1,645 |
| Net loans and leases to core deposits | 89.3365% | 1,972 |
| Total domestic deposits to total assets | 86.4096% | 3,162 |
| Equity capital to assets | 10.3333% | 3,512 |
| Core capital (leverage) ratio | 11.0501% | 2,306 |
| Tier 1 risk-based capital ratio | 16.0165% | 3,181 |
| Total risk-based capital ratio | 17.2781% | 3,122 |
| Memoranda: | ||
| Average total assets | $66,859,330 | 5,662 |
| Average earning assets | $57,412,670 | 5,765 |
| Average equity | $6,854,330 | 5,722 |
| Average total loans | $50,782,330 | 4,991 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9058% | 1,068 |
| Cost of funding earning assets | 1.2511% | 189 |
| Net interest margin | 3.6548% | 3,058 |
| Noninterest income to average assets | 0.4447% | 4,144 |
| Noninterest expense to average assets | 3.4133% | 1,801 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1562% | 6,020 |
| Return on assets (ROA) | 0.1562% | 6,116 |
| Pretax return on assets | 0.1562% | 6,160 |
| Return on Equity (ROE) | 1.5302% | 6,080 |
| Retained earnings to average equity (ytd only) | 1.5302% | 5,222 |
| Net charge-offs to loans | 0.2834% | 1,829 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.7222% | 3,587 |
| Efficiency ratio | 95.6229% | 748 |
| Assets per employee ($millions) | 3.6930% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9970% | 2,052 |
| Loan loss allowance to noncurrent loans | 270.0809% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 1.5134% | 2,983 |
| Noncurrent loans to loans | 0.7394% | 4,652 |
| Net loans and leases to total assets | 73.9733% | 1,081 |
| Net loans and leases to deposits | 85.6374% | 1,397 |
| Net loans and leases to core deposits | 89.7268% | 1,726 |
| Total domestic deposits to total assets | 86.3796% | 3,311 |
| Equity capital to assets | 10.2672% | 3,834 |
| Core capital (leverage) ratio | 11.1542% | 2,133 |
| Tier 1 risk-based capital ratio | 15.9495% | 3,298 |
| Total risk-based capital ratio | 17.2103% | 3,254 |
| Memoranda: | ||
| Average total assets | $66,563,000 | 5,721 |
| Average earning assets | $56,912,000 | 5,827 |
| Average equity | $6,796,500 | 5,791 |
| Average total loans | $50,814,500 | 5,024 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3227% | 886 |
| Cost of funding earning assets | 1.5193% | 150 |
| Net interest margin | 3.8034% | 3,210 |
| Noninterest income to average assets | 0.4202% | 4,454 |
| Noninterest expense to average assets | 3.3557% | 2,171 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3006% | 5,466 |
| Return on assets (ROA) | 0.3006% | 5,675 |
| Pretax return on assets | 0.3006% | 5,813 |
| Return on Equity (ROE) | 3.0616% | 5,534 |
| Retained earnings to average equity (ytd only) | 3.0616% | 4,082 |
| Net charge-offs to loans | 0.1465% | 4,231 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 2.7838% | 4,038 |
| Efficiency ratio | 91.7797% | 934 |
| Assets per employee ($millions) | 3.7029% | 4,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0173% | 1,978 |
| Loan loss allowance to noncurrent loans | 117.2881% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 2.8596% | 1,669 |
| Noncurrent loans to loans | 1.7200% | 3,030 |
| Net loans and leases to total assets | 75.6406% | 974 |
| Net loans and leases to deposits | 87.4761% | 1,331 |
| Net loans and leases to core deposits | 92.9807% | 1,557 |
| Total domestic deposits to total assets | 86.4700% | 3,113 |
| Equity capital to assets | 10.1542% | 3,957 |
| Core capital (leverage) ratio | 11.0599% | 2,206 |
| Tier 1 risk-based capital ratio | 15.4669% | 3,444 |
| Total risk-based capital ratio | 16.7282% | 3,400 |
| Memoranda: | ||
| Average total assets | $68,540,400 | 5,665 |
| Average earning assets | $58,316,400 | 5,804 |
| Average equity | $6,728,600 | 5,838 |
| Average total loans | $50,512,400 | 5,087 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2962% | 1,021 |
| Cost of funding earning assets | 1.5557% | 153 |
| Net interest margin | 3.7405% | 3,608 |
| Noninterest income to average assets | 0.4231% | 4,457 |
| Noninterest expense to average assets | 3.3017% | 2,271 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3033% | 5,607 |
| Return on assets (ROA) | 0.3033% | 5,804 |
| Pretax return on assets | 0.3033% | 5,949 |
| Return on Equity (ROE) | 3.1156% | 5,641 |
| Retained earnings to average equity (ytd only) | 3.1156% | 4,680 |
| Net charge-offs to loans | 0.1724% | 3,723 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 2.4155% | 4,074 |
| Efficiency ratio | 91.5863% | 911 |
| Assets per employee ($millions) | 3.5000% | 4,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3968% | 1,370 |
| Loan loss allowance to noncurrent loans | 102.7096% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 3.5414% | 1,411 |
| Noncurrent loans to loans | 2.3335% | 2,469 |
| Net loans and leases to total assets | 74.2812% | 1,206 |
| Net loans and leases to deposits | 85.7661% | 1,627 |
| Net loans and leases to core deposits | 94.4042% | 1,542 |
| Total domestic deposits to total assets | 86.6090% | 2,917 |
| Equity capital to assets | 10.0812% | 4,386 |
| Core capital (leverage) ratio | 11.0075% | 2,375 |
| Tier 1 risk-based capital ratio | 15.2703% | 3,661 |
| Total risk-based capital ratio | 16.5369% | 3,606 |
| Memoranda: | ||
| Average total assets | $69,012,500 | 5,716 |
| Average earning assets | $58,707,500 | 5,850 |
| Average equity | $6,718,750 | 5,905 |
| Average total loans | $50,277,000 | 5,156 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3143% | 1,023 |
| Cost of funding earning assets | 1.5650% | 178 |
| Net interest margin | 3.7493% | 3,593 |
| Noninterest income to average assets | 0.4324% | 4,420 |
| Noninterest expense to average assets | 3.2470% | 2,447 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3751% | 5,328 |
| Return on assets (ROA) | 0.3751% | 5,553 |
| Pretax return on assets | 0.3751% | 5,765 |
| Return on Equity (ROE) | 3.8967% | 5,311 |
| Retained earnings to average equity (ytd only) | 3.8967% | 4,018 |
| Net charge-offs to loans | 0.2671% | 2,982 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.9552% | 3,996 |
| Efficiency ratio | 89.6443% | 1,098 |
| Assets per employee ($millions) | 3.3767% | 5,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4560% | 1,345 |
| Loan loss allowance to noncurrent loans | 86.2536% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 4.0765% | 1,239 |
| Noncurrent loans to loans | 2.8475% | 2,102 |
| Net loans and leases to total assets | 71.2175% | 1,693 |
| Net loans and leases to deposits | 81.9758% | 2,115 |
| Net loans and leases to core deposits | 90.4655% | 1,937 |
| Total domestic deposits to total assets | 86.8762% | 2,845 |
| Equity capital to assets | 9.8661% | 4,522 |
| Core capital (leverage) ratio | 10.7938% | 2,488 |
| Tier 1 risk-based capital ratio | 15.4431% | 3,479 |
| Total risk-based capital ratio | 16.7083% | 3,436 |
| Memoranda: | ||
| Average total assets | $69,850,000 | 5,736 |
| Average earning assets | $59,424,670 | 5,862 |
| Average equity | $6,723,670 | 5,923 |
| Average total loans | $50,166,000 | 5,193 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2806% | 1,138 |
| Cost of funding earning assets | 1.5730% | 207 |
| Net interest margin | 3.7077% | 3,791 |
| Noninterest income to average assets | 0.4563% | 4,252 |
| Noninterest expense to average assets | 3.1996% | 2,602 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4169% | 5,187 |
| Return on assets (ROA) | 0.4169% | 5,376 |
| Pretax return on assets | 0.4169% | 5,673 |
| Return on Equity (ROE) | 4.3826% | 5,105 |
| Retained earnings to average equity (ytd only) | 4.3826% | 3,967 |
| Net charge-offs to loans | 0.0474% | 4,043 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 12.3333% | 1,609 |
| Efficiency ratio | 88.4735% | 1,225 |
| Assets per employee ($millions) | 3.7650% | 4,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5485% | 1,291 |
| Loan loss allowance to noncurrent loans | 53.5354% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 5.3386% | 945 |
| Noncurrent loans to loans | 4.7605% | 1,198 |
| Net loans and leases to total assets | 67.9933% | 2,122 |
| Net loans and leases to deposits | 78.7523% | 2,377 |
| Net loans and leases to core deposits | 86.4494% | 2,238 |
| Total domestic deposits to total assets | 86.3382% | 3,337 |
| Equity capital to assets | 9.5030% | 4,803 |
| Core capital (leverage) ratio | 10.1117% | 3,223 |
| Tier 1 risk-based capital ratio | 14.8426% | 3,860 |
| Total risk-based capital ratio | 16.1008% | 3,826 |
| Memoranda: | ||
| Average total assets | $71,008,000 | 5,740 |
| Average earning assets | $60,523,000 | 5,855 |
| Average equity | $6,754,000 | 5,944 |
| Average total loans | $50,595,500 | 5,202 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6412% | 883 |
| Cost of funding earning assets | 1.9349% | 126 |
| Net interest margin | 3.7063% | 4,269 |
| Noninterest income to average assets | 0.2115% | 6,005 |
| Noninterest expense to average assets | 3.2673% | 2,628 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.1296% | 5,793 |
| Return on assets (ROA) | 0.1296% | 5,922 |
| Pretax return on assets | 0.1296% | 5,922 |
| Return on Equity (ROE) | 1.4389% | 5,858 |
| Retained earnings to average equity (ytd only) | 1.4389% | 5,178 |
| Net charge-offs to loans | 0.2262% | 4,368 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 0.7600% | 5,232 |
| Efficiency ratio | 96.1847% | 814 |
| Assets per employee ($millions) | 3.9156% | 4,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4922% | 1,326 |
| Loan loss allowance to noncurrent loans | 42.5716% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 6.6514% | 703 |
| Noncurrent loans to loans | 5.8541% | 868 |
| Net loans and leases to total assets | 70.9439% | 1,830 |
| Net loans and leases to deposits | 83.5930% | 1,972 |
| Net loans and leases to core deposits | 91.6661% | 1,924 |
| Total domestic deposits to total assets | 84.8683% | 3,915 |
| Equity capital to assets | 9.5203% | 4,850 |
| Core capital (leverage) ratio | 10.1523% | 3,164 |
| Tier 1 risk-based capital ratio | 14.5902% | 3,908 |
| Total risk-based capital ratio | 15.8569% | 3,880 |
| Memoranda: | ||
| Average total assets | $73,301,400 | 5,664 |
| Average earning assets | $63,001,000 | 5,767 |
| Average equity | $6,602,200 | 5,983 |
| Average total loans | $55,259,200 | 5,061 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6470% | 941 |
| Cost of funding earning assets | 2.0155% | 113 |
| Net interest margin | 3.6316% | 4,649 |
| Noninterest income to average assets | 0.1892% | 6,245 |
| Noninterest expense to average assets | 3.2915% | 2,522 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.0270% | 6,121 |
| Return on assets (ROA) | 0.0270% | 6,214 |
| Pretax return on assets | 0.0270% | 6,200 |
| Return on Equity (ROE) | 0.3042% | 6,197 |
| Retained earnings to average equity (ytd only) | 0.3042% | 5,861 |
| Net charge-offs to loans | 0.1612% | 4,491 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 0.2206% | 5,432 |
| Efficiency ratio | 99.1857% | 686 |
| Assets per employee ($millions) | 3.9866% | 3,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4640% | 1,447 |
| Loan loss allowance to noncurrent loans | 38.7406% | 5,696 |
| Noncurrent assets plus other real estate owned to assets | 6.8772% | 729 |
| Noncurrent loans to loans | 6.3603% | 843 |
| Net loans and leases to total assets | 73.6423% | 1,383 |
| Net loans and leases to deposits | 86.3480% | 1,639 |
| Net loans and leases to core deposits | 94.4487% | 1,748 |
| Total domestic deposits to total assets | 85.2855% | 3,627 |
| Equity capital to assets | 9.2267% | 5,472 |
| Core capital (leverage) ratio | 9.8613% | 3,634 |
| Tier 1 risk-based capital ratio | 13.7605% | 4,531 |
| Total risk-based capital ratio | 15.0268% | 4,478 |
| Memoranda: | ||
| Average total assets | $74,006,500 | 5,683 |
| Average earning assets | $63,772,250 | 5,781 |
| Average equity | $6,575,250 | 6,037 |
| Average total loans | $56,254,000 | 5,067 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7332% | 826 |
| Cost of funding earning assets | 2.0845% | 107 |
| Net interest margin | 3.6487% | 4,529 |
| Noninterest income to average assets | 0.1953% | 6,270 |
| Noninterest expense to average assets | 3.3362% | 2,444 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.0107% | 6,206 |
| Return on assets (ROA) | 0.0107% | 6,285 |
| Pretax return on assets | 0.0107% | 6,252 |
| Return on Equity (ROE) | 0.1220% | 6,279 |
| Retained earnings to average equity (ytd only) | 0.1220% | 5,789 |
| Net charge-offs to loans | 0.1019% | 4,665 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.1379% | 5,197 |
| Efficiency ratio | 99.6803% | 734 |
| Assets per employee ($millions) | 3.6766% | 4,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5350% | 1,389 |
| Loan loss allowance to noncurrent loans | 36.1757% | 5,884 |
| Noncurrent assets plus other real estate owned to assets | 7.1003% | 707 |
| Noncurrent loans to loans | 7.0076% | 737 |
| Net loans and leases to total assets | 73.2008% | 1,555 |
| Net loans and leases to deposits | 86.5398% | 1,704 |
| Net loans and leases to core deposits | 94.5228% | 1,844 |
| Total domestic deposits to total assets | 84.5863% | 4,083 |
| Equity capital to assets | 8.9811% | 5,606 |
| Core capital (leverage) ratio | 9.6102% | 3,793 |
| Tier 1 risk-based capital ratio | 13.6276% | 4,433 |
| Total risk-based capital ratio | 14.8951% | 4,400 |
| Memoranda: | ||
| Average total assets | $74,755,670 | 5,698 |
| Average earning assets | $64,571,670 | 5,802 |
| Average equity | $6,560,000 | 6,065 |
| Average total loans | $56,945,330 | 5,085 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6766% | 928 |
| Cost of funding earning assets | 2.1049% | 126 |
| Net interest margin | 3.5716% | 4,709 |
| Noninterest income to average assets | 0.1592% | 6,584 |
| Noninterest expense to average assets | 3.4073% | 2,264 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.1592% | 6,518 |
| Return on assets (ROA) | -0.1592% | 6,535 |
| Pretax return on assets | -0.1592% | 6,507 |
| Return on Equity (ROE) | -1.8354% | 6,567 |
| Retained earnings to average equity (ytd only) | -1.8354% | 6,118 |
| Net charge-offs to loans | -0.0623% | 6,958 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9020% | 601 |
| Assets per employee ($millions) | 3.5700% | 4,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5673% | 1,357 |
| Loan loss allowance to noncurrent loans | 33.2722% | 6,081 |
| Noncurrent assets plus other real estate owned to assets | 7.3123% | 704 |
| Noncurrent loans to loans | 7.7161% | 666 |
| Net loans and leases to total assets | 73.5027% | 1,422 |
| Net loans and leases to deposits | 86.4840% | 1,654 |
| Net loans and leases to core deposits | 94.6935% | 1,806 |
| Total domestic deposits to total assets | 84.9900% | 4,034 |
| Equity capital to assets | 8.7102% | 5,642 |
| Core capital (leverage) ratio | 9.3831% | 3,991 |
| Tier 1 risk-based capital ratio | 13.3313% | 4,553 |
| Total risk-based capital ratio | 14.5996% | 4,526 |
| Memoranda: | ||
| Average total assets | $75,367,500 | 5,716 |
| Average earning assets | $65,180,000 | 5,821 |
| Average equity | $6,538,000 | 6,080 |
| Average total loans | $57,805,000 | 5,095 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5530% | 2,072 |
| Cost of funding earning assets | 2.5011% | 106 |
| Net interest margin | 3.0519% | 6,635 |
| Noninterest income to average assets | 0.2223% | 6,216 |
| Noninterest expense to average assets | 3.1445% | 3,297 |
| Loan and lease loss provision to assets | 0.1013% | 6,134 |
| Net operating income to assets | -0.3816% | 6,292 |
| Return on assets (ROA) | -0.3816% | 6,321 |
| Pretax return on assets | -0.3816% | 6,229 |
| Return on Equity (ROE) | -4.5593% | 6,396 |
| Retained earnings to average equity (ytd only) | -4.5593% | 6,257 |
| Net charge-offs to loans | 0.0720% | 6,077 |
| Credit loss provision to net charge-offs | 182.2222% | 1,814 |
| Earnings coverage of net charge-offs (x) | -5.0444% | 6,772 |
| Efficiency ratio | 109.7887% | 538 |
| Assets per employee ($millions) | 3.4439% | 5,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4436% | 1,489 |
| Loan loss allowance to noncurrent loans | 27.0326% | 6,482 |
| Noncurrent assets plus other real estate owned to assets | 9.0081% | 501 |
| Noncurrent loans to loans | 9.0393% | 514 |
| Net loans and leases to total assets | 76.0377% | 1,264 |
| Net loans and leases to deposits | 90.0016% | 1,522 |
| Net loans and leases to core deposits | 96.9980% | 1,893 |
| Total domestic deposits to total assets | 84.4849% | 4,120 |
| Equity capital to assets | 8.6399% | 5,672 |
| Core capital (leverage) ratio | 9.3215% | 3,973 |
| Tier 1 risk-based capital ratio | 12.8455% | 4,735 |
| Total risk-based capital ratio | 14.1118% | 4,690 |
| Memoranda: | ||
| Average total assets | $80,968,000 | 5,569 |
| Average earning assets | $70,088,000 | 5,665 |
| Average equity | $6,777,400 | 6,111 |
| Average total loans | $62,470,400 | 4,975 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4391% | 2,696 |
| Cost of funding earning assets | 2.5755% | 106 |
| Net interest margin | 2.8636% | 7,057 |
| Noninterest income to average assets | 0.2285% | 6,266 |
| Noninterest expense to average assets | 3.1182% | 3,249 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.4084% | 6,524 |
| Return on assets (ROA) | -0.4084% | 6,567 |
| Pretax return on assets | -0.4084% | 6,502 |
| Return on Equity (ROE) | -4.9155% | 6,645 |
| Retained earnings to average equity (ytd only) | -4.9155% | 6,551 |
| Net charge-offs to loans | 0.7495% | 2,548 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -0.7079% | 6,390 |
| Efficiency ratio | 115.0718% | 449 |
| Assets per employee ($millions) | 3.7077% | 4,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9591% | 2,328 |
| Loan loss allowance to noncurrent loans | 20.9903% | 6,860 |
| Noncurrent assets plus other real estate owned to assets | 10.0256% | 407 |
| Noncurrent loans to loans | 9.3335% | 491 |
| Net loans and leases to total assets | 76.2911% | 1,351 |
| Net loans and leases to deposits | 89.9579% | 1,726 |
| Net loans and leases to core deposits | 90.7911% | 2,985 |
| Total domestic deposits to total assets | 84.8075% | 3,717 |
| Equity capital to assets | 8.4651% | 6,319 |
| Core capital (leverage) ratio | 9.1751% | 4,411 |
| Tier 1 risk-based capital ratio | 12.5173% | 4,964 |
| Total risk-based capital ratio | 13.7771% | 4,932 |
| Memoranda: | ||
| Average total assets | $82,268,750 | 5,587 |
| Average earning assets | $71,284,500 | 5,689 |
| Average equity | $6,835,250 | 6,168 |
| Average total loans | $63,324,750 | 5,008 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5612% | 2,290 |
| Cost of funding earning assets | 2.6049% | 127 |
| Net interest margin | 2.9563% | 6,926 |
| Noninterest income to average assets | 0.2794% | 5,915 |
| Noninterest expense to average assets | 3.1288% | 3,187 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.2771% | 6,450 |
| Return on assets (ROA) | -0.2771% | 6,494 |
| Pretax return on assets | -0.2771% | 6,401 |
| Return on Equity (ROE) | -3.3542% | 6,551 |
| Retained earnings to average equity (ytd only) | -3.3542% | 6,347 |
| Net charge-offs to loans | 0.3705% | 3,502 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -0.9748% | 6,116 |
| Efficiency ratio | 109.7152% | 552 |
| Assets per employee ($millions) | 3.8393% | 4,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2881% | 1,604 |
| Loan loss allowance to noncurrent loans | 31.7318% | 6,252 |
| Noncurrent assets plus other real estate owned to assets | 8.1984% | 593 |
| Noncurrent loans to loans | 7.2106% | 762 |
| Net loans and leases to total assets | 75.2136% | 1,645 |
| Net loans and leases to deposits | 88.3078% | 2,122 |
| Net loans and leases to core deposits | 89.0928% | 3,395 |
| Total domestic deposits to total assets | 85.1721% | 3,533 |
| Equity capital to assets | 8.3361% | 6,377 |
| Core capital (leverage) ratio | 9.0298% | 4,556 |
| Tier 1 risk-based capital ratio | 12.5000% | 4,862 |
| Total risk-based capital ratio | 13.7620% | 4,821 |
| Memoranda: | ||
| Average total assets | $83,738,000 | 5,573 |
| Average earning assets | $72,861,670 | 5,677 |
| Average equity | $6,916,670 | 6,169 |
| Average total loans | $64,237,000 | 5,008 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5134% | 2,522 |
| Cost of funding earning assets | 2.5797% | 175 |
| Net interest margin | 2.9337% | 6,962 |
| Noninterest income to average assets | 0.2392% | 6,239 |
| Noninterest expense to average assets | 3.2405% | 2,730 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.4361% | 6,791 |
| Return on assets (ROA) | -0.4361% | 6,825 |
| Pretax return on assets | -0.4361% | 6,741 |
| Return on Equity (ROE) | -5.3033% | 6,900 |
| Retained earnings to average equity (ytd only) | -5.3033% | 6,607 |
| Net charge-offs to loans | 0.7225% | 2,055 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.7881% | 5,349 |
| Efficiency ratio | 115.5518% | 503 |
| Assets per employee ($millions) | 3.8034% | 4,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2338% | 1,686 |
| Loan loss allowance to noncurrent loans | 31.9973% | 6,281 |
| Noncurrent assets plus other real estate owned to assets | 7.1742% | 743 |
| Noncurrent loans to loans | 6.9813% | 853 |
| Net loans and leases to total assets | 74.7439% | 1,797 |
| Net loans and leases to deposits | 88.4874% | 2,137 |
| Net loans and leases to core deposits | 88.9303% | 3,507 |
| Total domestic deposits to total assets | 84.4685% | 3,909 |
| Equity capital to assets | 8.3298% | 6,261 |
| Core capital (leverage) ratio | 8.7371% | 4,961 |
| Tier 1 risk-based capital ratio | 12.3406% | 4,872 |
| Total risk-based capital ratio | 13.6139% | 4,811 |
| Memoranda: | ||
| Average total assets | $85,294,500 | 5,591 |
| Average earning assets | $74,582,000 | 5,686 |
| Average equity | $7,014,500 | 6,183 |
| Average total loans | $65,325,000 | 5,024 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6997% | 3,105 |
| Cost of funding earning assets | 3.3746% | 73 |
| Net interest margin | 2.3250% | 7,570 |
| Noninterest income to average assets | 0.2470% | 6,333 |
| Noninterest expense to average assets | 3.1190% | 3,653 |
| Loan and lease loss provision to assets | 1.1626% | 1,969 |
| Net operating income to assets | -1.9801% | 7,082 |
| Return on assets (ROA) | -1.9801% | 7,086 |
| Pretax return on assets | -1.9801% | 6,938 |
| Return on Equity (ROE) | -23.4011% | 7,246 |
| Retained earnings to average equity (ytd only) | -23.4011% | 7,217 |
| Net charge-offs to loans | 0.6136% | 3,372 |
| Credit loss provision to net charge-offs | 242.7928% | 1,465 |
| Earnings coverage of net charge-offs (x) | -1.7072% | 6,983 |
| Efficiency ratio | 135.5201% | 421 |
| Assets per employee ($millions) | 3.6214% | 4,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3201% | 1,449 |
| Loan loss allowance to noncurrent loans | 34.3549% | 6,136 |
| Noncurrent assets plus other real estate owned to assets | 6.8447% | 748 |
| Noncurrent loans to loans | 6.7533% | 865 |
| Net loans and leases to total assets | 74.9384% | 2,048 |
| Net loans and leases to deposits | 90.7042% | 2,102 |
| Net loans and leases to core deposits | 114.8530% | 2,428 |
| Total domestic deposits to total assets | 82.6185% | 4,699 |
| Equity capital to assets | 8.1218% | 6,438 |
| Core capital (leverage) ratio | 8.5202% | 5,250 |
| Tier 1 risk-based capital ratio | 12.0849% | 4,870 |
| Total risk-based capital ratio | 13.3633% | 4,806 |
| Memoranda: | ||
| Average total assets | $92,721,200 | 5,312 |
| Average earning assets | $81,934,600 | 5,399 |
| Average equity | $7,845,800 | 5,979 |
| Average total loans | $72,362,200 | 4,788 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7373% | 3,155 |
| Cost of funding earning assets | 3.4564% | 88 |
| Net interest margin | 2.2808% | 7,664 |
| Noninterest income to average assets | 0.2591% | 6,378 |
| Noninterest expense to average assets | 3.0822% | 3,710 |
| Loan and lease loss provision to assets | 1.5262% | 1,249 |
| Net operating income to assets | -2.3304% | 7,423 |
| Return on assets (ROA) | -2.3304% | 7,413 |
| Pretax return on assets | -2.3304% | 7,292 |
| Return on Equity (ROE) | -27.2877% | 7,554 |
| Retained earnings to average equity (ytd only) | -27.2877% | 7,538 |
| Net charge-offs to loans | 0.8818% | 2,203 |
| Credit loss provision to net charge-offs | 220.9016% | 1,985 |
| Earnings coverage of net charge-offs (x) | -1.1639% | 6,652 |
| Efficiency ratio | 135.3014% | 421 |
| Assets per employee ($millions) | 3.7547% | 4,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1837% | 1,448 |
| Loan loss allowance to noncurrent loans | 38.9147% | 5,765 |
| Noncurrent assets plus other real estate owned to assets | 5.7551% | 966 |
| Noncurrent loans to loans | 5.6114% | 1,108 |
| Net loans and leases to total assets | 74.8635% | 2,274 |
| Net loans and leases to deposits | 92.3503% | 2,177 |
| Net loans and leases to core deposits | 116.4848% | 2,572 |
| Total domestic deposits to total assets | 81.0647% | 5,059 |
| Equity capital to assets | 8.0433% | 6,810 |
| Core capital (leverage) ratio | 8.4492% | 5,578 |
| Tier 1 risk-based capital ratio | 12.1916% | 4,800 |
| Total risk-based capital ratio | 13.4779% | 4,710 |
| Memoranda: | ||
| Average total assets | $94,173,000 | 5,297 |
| Average earning assets | $83,359,250 | 5,390 |
| Average equity | $8,042,500 | 5,967 |
| Average total loans | $73,783,000 | 4,785 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8251% | 2,934 |
| Cost of funding earning assets | 3.5333% | 100 |
| Net interest margin | 2.2918% | 7,685 |
| Noninterest income to average assets | 0.2638% | 6,384 |
| Noninterest expense to average assets | 3.1300% | 3,580 |
| Loan and lease loss provision to assets | 2.2570% | 710 |
| Net operating income to assets | -3.0902% | 7,695 |
| Return on assets (ROA) | -3.0902% | 7,692 |
| Pretax return on assets | -3.0902% | 7,591 |
| Return on Equity (ROE) | -35.5349% | 7,794 |
| Retained earnings to average equity (ytd only) | -35.5349% | 7,777 |
| Net charge-offs to loans | 0.2945% | 3,716 |
| Credit loss provision to net charge-offs | 971.1712% | 508 |
| Earnings coverage of net charge-offs (x) | -3.5856% | 6,425 |
| Efficiency ratio | 136.2808% | 469 |
| Assets per employee ($millions) | 4.0592% | 3,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6475% | 787 |
| Loan loss allowance to noncurrent loans | 79.5186% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 4.1152% | 1,418 |
| Noncurrent loans to loans | 3.3294% | 2,117 |
| Net loans and leases to total assets | 74.1637% | 2,663 |
| Net loans and leases to deposits | 91.0202% | 2,651 |
| Net loans and leases to core deposits | 116.5892% | 2,654 |
| Total domestic deposits to total assets | 81.4805% | 4,900 |
| Equity capital to assets | 7.9016% | 6,863 |
| Core capital (leverage) ratio | 8.3331% | 5,735 |
| Tier 1 risk-based capital ratio | 12.2653% | 4,710 |
| Total risk-based capital ratio | 13.5358% | 4,602 |
| Memoranda: | ||
| Average total assets | $95,526,670 | 5,295 |
| Average earning assets | $84,737,330 | 5,388 |
| Average equity | $8,307,330 | 5,914 |
| Average total loans | $75,388,330 | 4,760 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1546% | 1,743 |
| Cost of funding earning assets | 3.5355% | 137 |
| Net interest margin | 2.6191% | 7,342 |
| Noninterest income to average assets | 0.2691% | 6,285 |
| Noninterest expense to average assets | 3.0970% | 3,389 |
| Loan and lease loss provision to assets | 0.0994% | 5,692 |
| Net operating income to assets | -0.5962% | 6,963 |
| Return on assets (ROA) | -0.5962% | 7,007 |
| Pretax return on assets | -0.5962% | 6,898 |
| Return on Equity (ROE) | -6.5660% | 7,113 |
| Retained earnings to average equity (ytd only) | -6.5660% | 6,751 |
| Net charge-offs to loans | -0.0206% | 7,449 |
| Credit loss provision to net charge-offs | -600.0000% | 6,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.1083% | 649 |
| Assets per employee ($millions) | 4.2429% | 3,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3805% | 3,612 |
| Loan loss allowance to noncurrent loans | 43.2756% | 5,641 |
| Noncurrent assets plus other real estate owned to assets | 2.8969% | 1,965 |
| Noncurrent loans to loans | 3.1901% | 2,030 |
| Net loans and leases to total assets | 76.7889% | 2,089 |
| Net loans and leases to deposits | 95.4258% | 2,051 |
| Net loans and leases to core deposits | 116.6029% | 2,728 |
| Total domestic deposits to total assets | 80.4697% | 5,182 |
| Equity capital to assets | 8.9202% | 5,451 |
| Core capital (leverage) ratio | 9.3364% | 4,192 |
| Tier 1 risk-based capital ratio | 13.7436% | 3,720 |
| Total risk-based capital ratio | 14.9985% | 3,643 |
| Memoranda: | ||
| Average total assets | $96,609,500 | 5,284 |
| Average earning assets | $85,985,000 | 5,359 |
| Average equity | $8,772,500 | 5,785 |
| Average total loans | $77,521,000 | 4,698 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5117% | 2,901 |
| Cost of funding earning assets | 3.8788% | 148 |
| Net interest margin | 2.6330% | 7,605 |
| Noninterest income to average assets | 0.2262% | 6,820 |
| Noninterest expense to average assets | 2.5541% | 5,816 |
| Loan and lease loss provision to assets | 0.7265% | 2,037 |
| Net operating income to assets | -0.7099% | 7,071 |
| Return on assets (ROA) | -0.7618% | 7,015 |
| Pretax return on assets | -0.7462% | 6,844 |
| Return on Equity (ROE) | -7.6741% | 7,108 |
| Retained earnings to average equity (ytd only) | -7.6741% | 6,858 |
| Net charge-offs to loans | 0.0967% | 5,361 |
| Credit loss provision to net charge-offs | 909.0909% | 488 |
| Earnings coverage of net charge-offs (x) | 0.4026% | 5,994 |
| Efficiency ratio | 98.7560% | 1,030 |
| Assets per employee ($millions) | 4.1579% | 3,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 3,475 |
| Loan loss allowance to noncurrent loans | 50.1173% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 2.6236% | 1,825 |
| Noncurrent loans to loans | 2.6955% | 2,010 |
| Net loans and leases to total assets | 81.5512% | 1,311 |
| Net loans and leases to deposits | 101.9944% | 1,590 |
| Net loans and leases to core deposits | 123.4726% | 2,364 |
| Total domestic deposits to total assets | 79.9565% | 5,038 |
| Equity capital to assets | 9.2438% | 5,013 |
| Core capital (leverage) ratio | 9.6788% | 3,793 |
| Tier 1 risk-based capital ratio | 13.5578% | 3,784 |
| Total risk-based capital ratio | 14.8115% | 3,686 |
| Memoranda: | ||
| Average total assets | $96,354,200 | 5,160 |
| Average earning assets | $86,367,000 | 5,214 |
| Average equity | $9,564,600 | 5,547 |
| Average total loans | $79,602,200 | 4,532 |