Home > Roanoke Valley Savings Bank, SSB > Performance and Condition Ratios
Roanoke Valley Savings Bank, SSB, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4831% | 4,943 |
| Cost of funding earning assets | 0.6568% | 2,113 |
| Net interest margin | 2.8264% | 5,058 |
| Noninterest income to average assets | 0.0000% | 5,427 |
| Noninterest expense to average assets | 2.0577% | 4,632 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3070% | 5,091 |
| Return on assets (ROA) | 0.3070% | 5,086 |
| Pretax return on assets | 0.3070% | 5,132 |
| Return on Equity (ROE) | 1.1308% | 5,219 |
| Retained earnings to average equity (ytd only) | 1.1308% | 4,821 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0192% | 459 |
| Assets per employee ($millions) | 6.8132% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4519% | 1,511 |
| Loan loss allowance to noncurrent loans | 343.8596% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 1.1067% | 1,296 |
| Noncurrent loans to loans | 0.4222% | 3,142 |
| Net loans and leases to total assets | 39.0536% | 5,050 |
| Net loans and leases to deposits | 56.0216% | 4,751 |
| Net loans and leases to core deposits | 58.9246% | 4,744 |
| Total domestic deposits to total assets | 69.7117% | 5,227 |
| Equity capital to assets | 28.0397% | 78 |
| Core capital (leverage) ratio | 27.9000% | 80 |
| Tier 1 risk-based capital ratio | 64.0106% | 78 |
| Total risk-based capital ratio | 65.2593% | 78 |
| Memoranda: | ||
| Average total assets | $35,184,750 | 5,238 |
| Average earning assets | $29,436,500 | 5,271 |
| Average equity | $9,550,750 | 4,415 |
| Average total loans | $13,715,750 | 5,283 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3783% | 5,061 |
| Cost of funding earning assets | 0.6448% | 1,960 |
| Net interest margin | 2.7335% | 5,185 |
| Noninterest income to average assets | 0.0000% | 5,488 |
| Noninterest expense to average assets | 1.8505% | 5,032 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4387% | 4,878 |
| Return on assets (ROA) | 0.4387% | 4,884 |
| Pretax return on assets | 0.4387% | 5,003 |
| Return on Equity (ROE) | 1.6335% | 5,212 |
| Retained earnings to average equity (ytd only) | 1.6335% | 4,596 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8354% | 930 |
| Assets per employee ($millions) | 7.0764% | 891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4491% | 1,566 |
| Loan loss allowance to noncurrent loans | 87.5000% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 1.5375% | 859 |
| Noncurrent loans to loans | 1.6561% | 966 |
| Net loans and leases to total assets | 37.6745% | 5,137 |
| Net loans and leases to deposits | 53.2051% | 4,870 |
| Net loans and leases to core deposits | 56.5190% | 4,844 |
| Total domestic deposits to total assets | 70.8100% | 5,245 |
| Equity capital to assets | 27.0307% | 91 |
| Core capital (leverage) ratio | 27.2648% | 89 |
| Tier 1 risk-based capital ratio | 62.3230% | 84 |
| Total risk-based capital ratio | 63.5714% | 84 |
| Memoranda: | ||
| Average total assets | $35,557,670 | 5,294 |
| Average earning assets | $29,778,330 | 5,331 |
| Average equity | $9,550,330 | 4,452 |
| Average total loans | $13,787,670 | 5,345 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2989% | 5,141 |
| Cost of funding earning assets | 0.6303% | 1,845 |
| Net interest margin | 2.6686% | 5,276 |
| Noninterest income to average assets | 0.0000% | 5,557 |
| Noninterest expense to average assets | 1.8179% | 5,134 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4152% | 4,900 |
| Return on assets (ROA) | 0.4152% | 4,904 |
| Pretax return on assets | 0.4152% | 5,016 |
| Return on Equity (ROE) | 1.5508% | 5,243 |
| Retained earnings to average equity (ytd only) | 1.5508% | 4,475 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4070% | 1,010 |
| Assets per employee ($millions) | 7.1324% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4075% | 1,810 |
| Loan loss allowance to noncurrent loans | 87.1111% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 1.5282% | 900 |
| Noncurrent loans to loans | 1.6158% | 1,076 |
| Net loans and leases to total assets | 38.4976% | 5,122 |
| Net loans and leases to deposits | 54.1108% | 4,790 |
| Net loans and leases to core deposits | 57.4363% | 4,776 |
| Total domestic deposits to total assets | 71.1458% | 5,328 |
| Equity capital to assets | 26.7428% | 87 |
| Core capital (leverage) ratio | 27.0549% | 89 |
| Tier 1 risk-based capital ratio | 61.0457% | 86 |
| Total risk-based capital ratio | 62.2864% | 83 |
| Memoranda: | ||
| Average total assets | $35,645,500 | 5,351 |
| Average earning assets | $29,828,500 | 5,390 |
| Average equity | $9,543,500 | 4,496 |
| Average total loans | $13,918,500 | 5,405 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9920% | 5,361 |
| Cost of funding earning assets | 0.6200% | 1,470 |
| Net interest margin | 2.3719% | 5,480 |
| Noninterest income to average assets | 0.0055% | 5,608 |
| Noninterest expense to average assets | 1.9057% | 5,107 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1215% | 5,231 |
| Return on assets (ROA) | 0.1215% | 5,236 |
| Pretax return on assets | 0.0967% | 5,381 |
| Return on Equity (ROE) | 0.4591% | 5,315 |
| Retained earnings to average equity (ytd only) | 0.4591% | 4,855 |
| Net charge-offs to loans | 0.0837% | 2,263 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 2.9167% | 3,675 |
| Efficiency ratio | 95.1724% | 267 |
| Assets per employee ($millions) | 7.1258% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 1,733 |
| Loan loss allowance to noncurrent loans | 86.7257% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.5325% | 884 |
| Noncurrent loans to loans | 1.6245% | 1,024 |
| Net loans and leases to total assets | 38.4967% | 5,198 |
| Net loans and leases to deposits | 54.1578% | 4,884 |
| Net loans and leases to core deposits | 57.4902% | 4,873 |
| Total domestic deposits to total assets | 71.0825% | 5,357 |
| Equity capital to assets | 26.8040% | 83 |
| Core capital (leverage) ratio | 26.8885% | 82 |
| Tier 1 risk-based capital ratio | 61.0356% | 82 |
| Total risk-based capital ratio | 62.2808% | 81 |
| Memoranda: | ||
| Average total assets | $36,208,000 | 5,390 |
| Average earning assets | $30,481,600 | 5,433 |
| Average equity | $9,583,000 | 4,512 |
| Average total loans | $14,340,800 | 5,455 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9434% | 5,448 |
| Cost of funding earning assets | 0.6130% | 1,442 |
| Net interest margin | 2.3304% | 5,557 |
| Noninterest income to average assets | 0.0037% | 5,680 |
| Noninterest expense to average assets | 1.9329% | 5,086 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.0697% | 5,468 |
| Return on assets (ROA) | 0.0697% | 5,475 |
| Pretax return on assets | 0.0367% | 5,494 |
| Return on Equity (ROE) | 0.2641% | 5,500 |
| Retained earnings to average equity (ytd only) | 0.2641% | 5,157 |
| Net charge-offs to loans | 0.1107% | 1,684 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 0.8331% | 3,628 |
| Efficiency ratio | 98.1378% | 203 |
| Assets per employee ($millions) | 7.1658% | 884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3792% | 1,981 |
| Loan loss allowance to noncurrent loans | 86.3436% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.5267% | 990 |
| Noncurrent loans to loans | 1.5974% | 1,151 |
| Net loans and leases to total assets | 39.1164% | 5,226 |
| Net loans and leases to deposits | 55.1902% | 4,910 |
| Net loans and leases to core deposits | 58.5764% | 4,891 |
| Total domestic deposits to total assets | 70.8755% | 5,445 |
| Equity capital to assets | 26.8107% | 83 |
| Core capital (leverage) ratio | 26.7189% | 85 |
| Tier 1 risk-based capital ratio | 60.4082% | 84 |
| Total risk-based capital ratio | 61.6353% | 84 |
| Memoranda: | ||
| Average total assets | $36,352,750 | 5,449 |
| Average earning assets | $30,666,500 | 5,488 |
| Average equity | $9,591,250 | 4,555 |
| Average total loans | $14,448,000 | 5,513 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9004% | 5,508 |
| Cost of funding earning assets | 0.6164% | 1,348 |
| Net interest margin | 2.2840% | 5,616 |
| Noninterest income to average assets | 0.0000% | 5,731 |
| Noninterest expense to average assets | 1.7083% | 5,406 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2190% | 5,367 |
| Return on assets (ROA) | 0.2190% | 5,382 |
| Pretax return on assets | 0.2190% | 5,414 |
| Return on Equity (ROE) | 0.8345% | 5,491 |
| Retained earnings to average equity (ytd only) | 0.8345% | 4,884 |
| Net charge-offs to loans | 0.1652% | 1,178 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 3.3333% | 3,058 |
| Efficiency ratio | 88.6364% | 519 |
| Assets per employee ($millions) | 7.2792% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3811% | 2,029 |
| Loan loss allowance to noncurrent loans | 86.3436% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 1.5029% | 1,011 |
| Noncurrent loans to loans | 1.5995% | 1,158 |
| Net loans and leases to total assets | 38.4548% | 5,288 |
| Net loans and leases to deposits | 53.8349% | 4,969 |
| Net loans and leases to core deposits | 57.0543% | 4,951 |
| Total domestic deposits to total assets | 71.4309% | 5,487 |
| Equity capital to assets | 26.4562% | 84 |
| Core capital (leverage) ratio | 26.5193% | 85 |
| Tier 1 risk-based capital ratio | 59.8947% | 85 |
| Total risk-based capital ratio | 61.1087% | 85 |
| Memoranda: | ||
| Average total assets | $36,527,330 | 5,493 |
| Average earning assets | $30,823,330 | 5,537 |
| Average equity | $9,586,330 | 4,577 |
| Average total loans | $14,527,000 | 5,556 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8422% | 5,577 |
| Cost of funding earning assets | 0.6100% | 1,300 |
| Net interest margin | 2.2322% | 5,684 |
| Noninterest income to average assets | 0.0000% | 5,808 |
| Noninterest expense to average assets | 1.7162% | 5,460 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1640% | 5,442 |
| Return on assets (ROA) | 0.1640% | 5,455 |
| Pretax return on assets | 0.1640% | 5,471 |
| Return on Equity (ROE) | 0.6273% | 5,547 |
| Retained earnings to average equity (ytd only) | 0.6273% | 4,767 |
| Net charge-offs to loans | 0.3267% | 562 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.2500% | 2,745 |
| Efficiency ratio | 91.2791% | 491 |
| Assets per employee ($millions) | 7.3062% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 2,300 |
| Loan loss allowance to noncurrent loans | 84.8485% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 1.5083% | 1,059 |
| Noncurrent loans to loans | 1.5923% | 1,224 |
| Net loans and leases to total assets | 39.1749% | 5,282 |
| Net loans and leases to deposits | 54.6388% | 4,900 |
| Net loans and leases to core deposits | 57.8807% | 4,885 |
| Total domestic deposits to total assets | 71.6980% | 5,557 |
| Equity capital to assets | 26.2216% | 90 |
| Core capital (leverage) ratio | 26.3575% | 88 |
| Tier 1 risk-based capital ratio | 58.7823% | 87 |
| Total risk-based capital ratio | 59.9768% | 87 |
| Memoranda: | ||
| Average total assets | $36,593,000 | 5,555 |
| Average earning assets | $30,821,500 | 5,600 |
| Average equity | $9,565,000 | 4,609 |
| Average total loans | $14,694,500 | 5,615 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8220% | 5,629 |
| Cost of funding earning assets | 0.6011% | 1,322 |
| Net interest margin | 2.2209% | 5,741 |
| Noninterest income to average assets | 0.0081% | 5,840 |
| Noninterest expense to average assets | 1.9020% | 5,359 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.0404% | 5,614 |
| Return on assets (ROA) | 0.0404% | 5,642 |
| Pretax return on assets | -0.0054% | 5,658 |
| Return on Equity (ROE) | 0.1557% | 5,651 |
| Retained earnings to average equity (ytd only) | 0.1557% | 5,255 |
| Net charge-offs to loans | 0.2782% | 989 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -0.0465% | 4,135 |
| Efficiency ratio | 100.2837% | 221 |
| Assets per employee ($millions) | 7.3310% | 788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 2,091 |
| Loan loss allowance to noncurrent loans | 43.8819% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 2.1661% | 605 |
| Noncurrent loans to loans | 3.1851% | 404 |
| Net loans and leases to total assets | 40.0327% | 5,310 |
| Net loans and leases to deposits | 55.7290% | 4,924 |
| Net loans and leases to core deposits | 59.0147% | 4,905 |
| Total domestic deposits to total assets | 71.8347% | 5,572 |
| Equity capital to assets | 26.0565% | 87 |
| Core capital (leverage) ratio | 26.1287% | 91 |
| Tier 1 risk-based capital ratio | 58.1908% | 92 |
| Total risk-based capital ratio | 59.4417% | 90 |
| Memoranda: | ||
| Average total assets | $37,172,000 | 5,589 |
| Average earning assets | $31,608,800 | 5,635 |
| Average equity | $9,631,200 | 4,645 |
| Average total loans | $15,455,600 | 5,653 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8941% | 5,654 |
| Cost of funding earning assets | 0.5965% | 1,356 |
| Net interest margin | 2.2977% | 5,774 |
| Noninterest income to average assets | 0.0072% | 5,910 |
| Noninterest expense to average assets | 1.9623% | 5,278 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0608% | 5,672 |
| Return on assets (ROA) | 0.0608% | 5,706 |
| Pretax return on assets | 0.0000% | 5,732 |
| Return on Equity (ROE) | 0.2349% | 5,724 |
| Retained earnings to average equity (ytd only) | 0.2349% | 5,284 |
| Net charge-offs to loans | 0.0855% | 2,109 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 3,823 |
| Efficiency ratio | 100.0000% | 224 |
| Assets per employee ($millions) | 7.4112% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5929% | 1,494 |
| Loan loss allowance to noncurrent loans | 43.8182% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 2.3478% | 602 |
| Noncurrent loans to loans | 3.6352% | 340 |
| Net loans and leases to total assets | 40.1797% | 5,369 |
| Net loans and leases to deposits | 56.0580% | 4,990 |
| Net loans and leases to core deposits | 59.3329% | 4,976 |
| Total domestic deposits to total assets | 71.6753% | 5,610 |
| Equity capital to assets | 26.0039% | 89 |
| Core capital (leverage) ratio | 25.8946% | 88 |
| Tier 1 risk-based capital ratio | 57.3333% | 95 |
| Total risk-based capital ratio | 58.5833% | 94 |
| Memoranda: | ||
| Average total assets | $37,301,250 | 5,650 |
| Average earning assets | $31,741,750 | 5,693 |
| Average equity | $9,651,250 | 4,687 |
| Average total loans | $15,599,000 | 5,709 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0435% | 5,606 |
| Cost of funding earning assets | 0.5899% | 1,400 |
| Net interest margin | 2.4536% | 5,767 |
| Noninterest income to average assets | 0.0054% | 5,993 |
| Noninterest expense to average assets | 1.6532% | 5,717 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4441% | 4,888 |
| Return on assets (ROA) | 0.4441% | 4,976 |
| Pretax return on assets | 0.4441% | 5,259 |
| Return on Equity (ROE) | 1.7191% | 5,573 |
| Retained earnings to average equity (ytd only) | 1.7191% | 4,701 |
| Net charge-offs to loans | 0.1269% | 1,574 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 8.3000% | 2,532 |
| Efficiency ratio | 78.8265% | 1,671 |
| Assets per employee ($millions) | 7.4674% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5501% | 1,672 |
| Loan loss allowance to noncurrent loans | 50.8439% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 2.1266% | 740 |
| Noncurrent loans to loans | 3.0488% | 487 |
| Net loans and leases to total assets | 40.9942% | 5,378 |
| Net loans and leases to deposits | 56.9801% | 4,952 |
| Net loans and leases to core deposits | 60.8734% | 4,943 |
| Total domestic deposits to total assets | 71.9447% | 5,672 |
| Equity capital to assets | 25.9876% | 86 |
| Core capital (leverage) ratio | 26.0321% | 84 |
| Tier 1 risk-based capital ratio | 62.3826% | 86 |
| Total risk-based capital ratio | 63.6369% | 85 |
| Memoranda: | ||
| Average total assets | $37,383,000 | 5,714 |
| Average earning assets | $31,871,330 | 5,754 |
| Average equity | $9,656,330 | 4,712 |
| Average total loans | $15,755,330 | 5,771 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7930% | 5,860 |
| Cost of funding earning assets | 0.5886% | 1,415 |
| Net interest margin | 2.2043% | 5,963 |
| Noninterest income to average assets | 0.0107% | 6,049 |
| Noninterest expense to average assets | 1.6254% | 5,810 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2673% | 5,385 |
| Return on assets (ROA) | 0.2673% | 5,457 |
| Pretax return on assets | 0.2673% | 5,556 |
| Return on Equity (ROE) | 1.0381% | 5,684 |
| Retained earnings to average equity (ytd only) | 1.0381% | 4,820 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8757% | 984 |
| Assets per employee ($millions) | 7.4342% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6038% | 1,594 |
| Loan loss allowance to noncurrent loans | 51.7526% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 2.1657% | 773 |
| Noncurrent loans to loans | 3.0990% | 512 |
| Net loans and leases to total assets | 41.4275% | 5,378 |
| Net loans and leases to deposits | 57.5448% | 4,880 |
| Net loans and leases to core deposits | 61.4902% | 4,841 |
| Total domestic deposits to total assets | 71.9916% | 5,771 |
| Equity capital to assets | 25.9557% | 83 |
| Core capital (leverage) ratio | 25.7713% | 82 |
| Tier 1 risk-based capital ratio | 59.2356% | 91 |
| Total risk-based capital ratio | 60.4891% | 91 |
| Memoranda: | ||
| Average total assets | $37,406,000 | 5,768 |
| Average earning assets | $31,937,500 | 5,811 |
| Average equity | $9,633,000 | 4,739 |
| Average total loans | $15,859,500 | 5,823 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6607% | 5,944 |
| Cost of funding earning assets | 0.5820% | 1,482 |
| Net interest margin | 2.0787% | 6,031 |
| Noninterest income to average assets | 0.0078% | 6,091 |
| Noninterest expense to average assets | 1.7423% | 5,811 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0862% | 5,772 |
| Return on assets (ROA) | 0.0862% | 5,815 |
| Pretax return on assets | 0.0287% | 5,870 |
| Return on Equity (ROE) | 0.3439% | 5,858 |
| Retained earnings to average equity (ytd only) | 0.3439% | 5,376 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3776% | 328 |
| Assets per employee ($millions) | 7.5282% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5620% | 1,749 |
| Loan loss allowance to noncurrent loans | 55.7778% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 2.0456% | 852 |
| Noncurrent loans to loans | 2.8004% | 609 |
| Net loans and leases to total assets | 42.0233% | 5,406 |
| Net loans and leases to deposits | 58.0179% | 4,908 |
| Net loans and leases to core deposits | 61.9148% | 4,881 |
| Total domestic deposits to total assets | 72.4317% | 5,768 |
| Equity capital to assets | 25.5519% | 84 |
| Core capital (leverage) ratio | 25.4688% | 85 |
| Tier 1 risk-based capital ratio | 58.2657% | 91 |
| Total risk-based capital ratio | 59.5201% | 91 |
| Memoranda: | ||
| Average total assets | $38,282,800 | 5,800 |
| Average earning assets | $32,472,800 | 5,845 |
| Average equity | $9,595,000 | 4,727 |
| Average total loans | $16,767,000 | 5,839 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6616% | 6,034 |
| Cost of funding earning assets | 0.5774% | 1,565 |
| Net interest margin | 2.0842% | 6,106 |
| Noninterest income to average assets | 0.0069% | 6,181 |
| Noninterest expense to average assets | 1.7515% | 5,845 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0971% | 5,849 |
| Return on assets (ROA) | 0.0971% | 5,887 |
| Pretax return on assets | 0.0208% | 5,953 |
| Return on Equity (ROE) | 0.3893% | 5,936 |
| Retained earnings to average equity (ytd only) | 0.3893% | 5,506 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8258% | 325 |
| Assets per employee ($millions) | 6.3103% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5135% | 2,102 |
| Loan loss allowance to noncurrent loans | 56.0268% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 2.0284% | 1,003 |
| Noncurrent loans to loans | 2.7014% | 711 |
| Net loans and leases to total assets | 43.1382% | 5,414 |
| Net loans and leases to deposits | 59.5421% | 4,890 |
| Net loans and leases to core deposits | 62.7806% | 4,882 |
| Total domestic deposits to total assets | 72.4499% | 5,833 |
| Equity capital to assets | 25.3922% | 91 |
| Core capital (leverage) ratio | 25.2118% | 88 |
| Tier 1 risk-based capital ratio | 56.6460% | 105 |
| Total risk-based capital ratio | 57.8957% | 103 |
| Memoranda: | ||
| Average total assets | $38,443,250 | 5,876 |
| Average earning assets | $32,561,500 | 5,921 |
| Average equity | $9,589,250 | 4,790 |
| Average total loans | $16,941,500 | 5,904 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6171% | 6,110 |
| Cost of funding earning assets | 0.5734% | 1,619 |
| Net interest margin | 2.0436% | 6,198 |
| Noninterest income to average assets | 0.0052% | 6,254 |
| Noninterest expense to average assets | 1.7859% | 5,871 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.0466% | 6,021 |
| Return on assets (ROA) | -0.0466% | 6,053 |
| Pretax return on assets | -0.0466% | 6,043 |
| Return on Equity (ROE) | -0.1879% | 6,038 |
| Retained earnings to average equity (ytd only) | -0.1879% | 5,538 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6786% | 276 |
| Assets per employee ($millions) | 6.3952% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4518% | 2,503 |
| Loan loss allowance to noncurrent loans | 34.4307% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 2.7338% | 654 |
| Noncurrent loans to loans | 4.2166% | 338 |
| Net loans and leases to total assets | 44.4033% | 5,360 |
| Net loans and leases to deposits | 60.8761% | 4,785 |
| Net loans and leases to core deposits | 64.1443% | 4,801 |
| Total domestic deposits to total assets | 72.9405% | 5,876 |
| Equity capital to assets | 24.9590% | 94 |
| Core capital (leverage) ratio | 24.8695% | 91 |
| Tier 1 risk-based capital ratio | 55.4442% | 119 |
| Total risk-based capital ratio | 56.6952% | 116 |
| Memoranda: | ||
| Average total assets | $38,637,000 | 5,932 |
| Average earning assets | $32,785,000 | 5,983 |
| Average equity | $9,581,000 | 4,823 |
| Average total loans | $17,060,670 | 5,958 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6127% | 6,175 |
| Cost of funding earning assets | 0.5738% | 1,627 |
| Net interest margin | 2.0389% | 6,260 |
| Noninterest income to average assets | 0.0000% | 6,328 |
| Noninterest expense to average assets | 1.7952% | 5,909 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0722% | 6,075 |
| Return on assets (ROA) | -0.0722% | 6,110 |
| Pretax return on assets | -0.0722% | 6,099 |
| Return on Equity (ROE) | -0.2922% | 6,081 |
| Retained earnings to average equity (ytd only) | -0.2922% | 5,435 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1916% | 268 |
| Assets per employee ($millions) | 6.4358% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4876% | 2,493 |
| Loan loss allowance to noncurrent loans | 32.6823% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 2.8176% | 702 |
| Noncurrent loans to loans | 4.5517% | 336 |
| Net loans and leases to total assets | 43.0454% | 5,424 |
| Net loans and leases to deposits | 58.8306% | 4,850 |
| Net loans and leases to core deposits | 61.9553% | 4,842 |
| Total domestic deposits to total assets | 73.1685% | 5,966 |
| Equity capital to assets | 24.8064% | 97 |
| Core capital (leverage) ratio | 24.6944% | 94 |
| Tier 1 risk-based capital ratio | 56.0407% | 116 |
| Total risk-based capital ratio | 57.2934% | 116 |
| Memoranda: | ||
| Average total assets | $38,770,000 | 5,987 |
| Average earning assets | $32,763,000 | 6,043 |
| Average equity | $9,583,000 | 4,867 |
| Average total loans | $16,946,500 | 6,018 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6259% | 6,294 |
| Cost of funding earning assets | 0.5737% | 2,015 |
| Net interest margin | 2.0522% | 6,353 |
| Noninterest income to average assets | -0.1299% | 6,462 |
| Noninterest expense to average assets | 1.8518% | 6,007 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.1885% | 6,202 |
| Return on assets (ROA) | -0.1885% | 6,197 |
| Pretax return on assets | -0.2140% | 6,201 |
| Return on Equity (ROE) | -0.7686% | 6,156 |
| Retained earnings to average equity (ytd only) | -0.7686% | 5,892 |
| Net charge-offs to loans | 0.0056% | 4,822 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -84.0000% | 4,957 |
| Efficiency ratio | 113.0638% | 177 |
| Assets per employee ($millions) | 6.4875% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4747% | 2,587 |
| Loan loss allowance to noncurrent loans | 31.7320% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 2.8542% | 744 |
| Noncurrent loans to loans | 4.6475% | 344 |
| Net loans and leases to total assets | 43.0803% | 5,533 |
| Net loans and leases to deposits | 58.7232% | 5,006 |
| Net loans and leases to core deposits | 61.8052% | 5,012 |
| Total domestic deposits to total assets | 73.3616% | 5,992 |
| Equity capital to assets | 24.6294% | 104 |
| Core capital (leverage) ratio | 24.5919% | 95 |
| Tier 1 risk-based capital ratio | 52.3092% | 123 |
| Total risk-based capital ratio | 53.5593% | 124 |
| Memoranda: | ||
| Average total assets | $39,258,200 | 6,055 |
| Average earning assets | $33,816,800 | 6,099 |
| Average equity | $9,628,200 | 4,834 |
| Average total loans | $17,925,800 | 6,046 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6301% | 6,365 |
| Cost of funding earning assets | 0.5714% | 2,093 |
| Net interest margin | 2.0587% | 6,433 |
| Noninterest income to average assets | -0.1728% | 6,549 |
| Noninterest expense to average assets | 1.8437% | 6,035 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.1999% | 6,265 |
| Return on assets (ROA) | -0.1999% | 6,271 |
| Pretax return on assets | -0.2338% | 6,266 |
| Return on Equity (ROE) | -0.8161% | 6,215 |
| Retained earnings to average equity (ytd only) | -0.8161% | 5,935 |
| Net charge-offs to loans | 0.0073% | 4,456 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -69.1729% | 4,679 |
| Efficiency ratio | 114.5263% | 176 |
| Assets per employee ($millions) | 6.5003% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4058% | 3,143 |
| Loan loss allowance to noncurrent loans | 35.0070% | 5,590 |
| Noncurrent assets plus other real estate owned to assets | 2.6588% | 958 |
| Noncurrent loans to loans | 4.0159% | 526 |
| Net loans and leases to total assets | 45.1336% | 5,442 |
| Net loans and leases to deposits | 61.5812% | 4,786 |
| Net loans and leases to core deposits | 64.8098% | 4,814 |
| Total domestic deposits to total assets | 73.2911% | 6,072 |
| Equity capital to assets | 24.6218% | 103 |
| Core capital (leverage) ratio | 24.5648% | 94 |
| Tier 1 risk-based capital ratio | 51.6330% | 122 |
| Total risk-based capital ratio | 52.8867% | 122 |
| Memoranda: | ||
| Average total assets | $39,341,500 | 6,126 |
| Average earning assets | $34,066,000 | 6,162 |
| Average equity | $9,638,500 | 4,867 |
| Average total loans | $18,152,250 | 6,104 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6310% | 6,430 |
| Cost of funding earning assets | 0.5730% | 2,139 |
| Net interest margin | 2.0580% | 6,502 |
| Noninterest income to average assets | 0.0000% | 6,545 |
| Noninterest expense to average assets | 1.8046% | 6,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.0203% | 6,201 |
| Return on assets (ROA) | -0.0203% | 6,221 |
| Pretax return on assets | -0.0203% | 6,209 |
| Return on Equity (ROE) | -0.0829% | 6,215 |
| Retained earnings to average equity (ytd only) | -0.0829% | 5,698 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1364% | 377 |
| Assets per employee ($millions) | 6.5212% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3854% | 3,425 |
| Loan loss allowance to noncurrent loans | 47.0149% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 2.4510% | 1,165 |
| Noncurrent loans to loans | 2.9467% | 1,002 |
| Net loans and leases to total assets | 45.8456% | 5,374 |
| Net loans and leases to deposits | 62.4734% | 4,645 |
| Net loans and leases to core deposits | 65.7600% | 4,662 |
| Total domestic deposits to total assets | 73.3841% | 6,161 |
| Equity capital to assets | 24.6633% | 97 |
| Core capital (leverage) ratio | 24.5911% | 91 |
| Tier 1 risk-based capital ratio | 51.5351% | 126 |
| Total risk-based capital ratio | 52.7845% | 126 |
| Memoranda: | ||
| Average total assets | $39,454,670 | 6,186 |
| Average earning assets | $34,207,670 | 6,221 |
| Average equity | $9,650,330 | 4,875 |
| Average total loans | $18,251,670 | 6,150 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6089% | 6,515 |
| Cost of funding earning assets | 0.5707% | 2,236 |
| Net interest margin | 2.0382% | 6,580 |
| Noninterest income to average assets | 0.0000% | 6,595 |
| Noninterest expense to average assets | 1.8375% | 6,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0707% | 6,266 |
| Return on assets (ROA) | -0.0707% | 6,273 |
| Pretax return on assets | -0.0707% | 6,267 |
| Return on Equity (ROE) | -0.2901% | 6,243 |
| Retained earnings to average equity (ytd only) | -0.2901% | 5,610 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0000% | 373 |
| Assets per employee ($millions) | 6.5620% | 989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3752% | 3,719 |
| Loan loss allowance to noncurrent loans | 47.0149% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 2.4357% | 1,322 |
| Noncurrent loans to loans | 2.9250% | 1,109 |
| Net loans and leases to total assets | 45.9032% | 5,339 |
| Net loans and leases to deposits | 62.3508% | 4,512 |
| Net loans and leases to core deposits | 64.3488% | 4,663 |
| Total domestic deposits to total assets | 73.6208% | 6,272 |
| Equity capital to assets | 24.5022% | 101 |
| Core capital (leverage) ratio | 24.3551% | 98 |
| Tier 1 risk-based capital ratio | 51.3655% | 124 |
| Total risk-based capital ratio | 52.6164% | 123 |
| Memoranda: | ||
| Average total assets | $39,618,500 | 6,247 |
| Average earning assets | $34,344,500 | 6,276 |
| Average equity | $9,650,500 | 4,899 |
| Average total loans | $18,282,500 | 6,206 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7143% | 6,541 |
| Cost of funding earning assets | 0.6531% | 2,181 |
| Net interest margin | 2.0612% | 6,634 |
| Noninterest income to average assets | 0.0025% | 6,641 |
| Noninterest expense to average assets | 1.8403% | 6,266 |
| Loan and lease loss provision to assets | 0.0222% | 4,685 |
| Net operating income to assets | 0.0000% | 6,212 |
| Return on assets (ROA) | 0.0000% | 6,253 |
| Pretax return on assets | -0.0641% | 6,266 |
| Return on Equity (ROE) | 0.0000% | 6,254 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,851 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3288% | 415 |
| Assets per employee ($millions) | 6.6442% | 929 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3816% | 3,736 |
| Loan loss allowance to noncurrent loans | 47.0149% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 2.4056% | 1,441 |
| Noncurrent loans to loans | 2.9386% | 1,186 |
| Net loans and leases to total assets | 45.1223% | 5,571 |
| Net loans and leases to deposits | 61.0487% | 4,824 |
| Net loans and leases to core deposits | 62.9722% | 4,971 |
| Total domestic deposits to total assets | 73.9120% | 6,290 |
| Equity capital to assets | 24.2167% | 109 |
| Core capital (leverage) ratio | 24.1388% | 98 |
| Tier 1 risk-based capital ratio | 51.2472% | 127 |
| Total risk-based capital ratio | 52.4997% | 126 |
| Memoranda: | ||
| Average total assets | $40,591,000 | 6,272 |
| Average earning assets | $35,368,400 | 6,306 |
| Average equity | $9,673,200 | 4,927 |
| Average total loans | $18,721,600 | 6,265 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7686% | 6,588 |
| Cost of funding earning assets | 0.6669% | 2,207 |
| Net interest margin | 2.1017% | 6,695 |
| Noninterest income to average assets | 0.0033% | 6,730 |
| Noninterest expense to average assets | 1.8541% | 6,249 |
| Loan and lease loss provision to assets | 0.0294% | 4,419 |
| Net operating income to assets | 0.0392% | 6,234 |
| Return on assets (ROA) | 0.0392% | 6,291 |
| Pretax return on assets | -0.0458% | 6,354 |
| Return on Equity (ROE) | 0.1653% | 6,326 |
| Retained earnings to average equity (ytd only) | 0.1653% | 5,886 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8897% | 434 |
| Assets per employee ($millions) | 6.6898% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3647% | 4,056 |
| Loan loss allowance to noncurrent loans | 46.9274% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 2.3917% | 1,631 |
| Noncurrent loans to loans | 2.9080% | 1,407 |
| Net loans and leases to total assets | 45.3773% | 5,599 |
| Net loans and leases to deposits | 61.2215% | 4,845 |
| Net loans and leases to core deposits | 63.1313% | 4,994 |
| Total domestic deposits to total assets | 74.1199% | 6,361 |
| Equity capital to assets | 24.0813% | 104 |
| Core capital (leverage) ratio | 24.0235% | 100 |
| Tier 1 risk-based capital ratio | 51.0212% | 128 |
| Total risk-based capital ratio | 52.2719% | 128 |
| Memoranda: | ||
| Average total assets | $40,772,500 | 6,340 |
| Average earning assets | $35,589,000 | 6,368 |
| Average equity | $9,678,000 | 4,980 |
| Average total loans | $18,842,000 | 6,324 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7989% | 6,610 |
| Cost of funding earning assets | 0.6789% | 2,230 |
| Net interest margin | 2.1200% | 6,727 |
| Noninterest income to average assets | 0.0000% | 6,784 |
| Noninterest expense to average assets | 1.6446% | 6,551 |
| Loan and lease loss provision to assets | 0.0293% | 4,342 |
| Net operating income to assets | 0.1708% | 5,973 |
| Return on assets (ROA) | 0.1708% | 6,087 |
| Pretax return on assets | 0.1854% | 6,105 |
| Return on Equity (ROE) | 0.7230% | 6,269 |
| Retained earnings to average equity (ytd only) | 0.7230% | 5,608 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4514% | 1,178 |
| Assets per employee ($millions) | 6.7250% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3449% | 4,295 |
| Loan loss allowance to noncurrent loans | 51.4463% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 2.2478% | 1,923 |
| Noncurrent loans to loans | 2.6142% | 1,754 |
| Net loans and leases to total assets | 45.2664% | 5,610 |
| Net loans and leases to deposits | 61.0482% | 4,855 |
| Net loans and leases to core deposits | 62.9415% | 5,015 |
| Total domestic deposits to total assets | 74.1487% | 6,434 |
| Equity capital to assets | 24.0421% | 98 |
| Core capital (leverage) ratio | 23.7909% | 96 |
| Tier 1 risk-based capital ratio | 51.0967% | 122 |
| Total risk-based capital ratio | 52.3463% | 122 |
| Memoranda: | ||
| Average total assets | $40,983,670 | 6,379 |
| Average earning assets | $35,942,670 | 6,404 |
| Average equity | $9,682,000 | 5,014 |
| Average total loans | $18,967,330 | 6,355 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7652% | 6,699 |
| Cost of funding earning assets | 0.6941% | 2,272 |
| Net interest margin | 2.0711% | 6,823 |
| Noninterest income to average assets | 0.0000% | 6,849 |
| Noninterest expense to average assets | 1.7240% | 6,533 |
| Loan and lease loss provision to assets | 0.0291% | 4,091 |
| Net operating income to assets | 0.0678% | 6,213 |
| Return on assets (ROA) | 0.0678% | 6,299 |
| Pretax return on assets | 0.0678% | 6,308 |
| Return on Equity (ROE) | 0.2895% | 6,376 |
| Retained earnings to average equity (ytd only) | 0.2895% | 5,696 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6809% | 796 |
| Assets per employee ($millions) | 6.8530% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2963% | 4,717 |
| Loan loss allowance to noncurrent loans | 56.9444% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 2.0794% | 2,255 |
| Noncurrent loans to loans | 2.2764% | 2,299 |
| Net loans and leases to total assets | 45.5543% | 5,480 |
| Net loans and leases to deposits | 60.9138% | 4,692 |
| Net loans and leases to core deposits | 63.6027% | 4,781 |
| Total domestic deposits to total assets | 74.7848% | 6,476 |
| Equity capital to assets | 23.5250% | 112 |
| Core capital (leverage) ratio | 23.3975% | 104 |
| Tier 1 risk-based capital ratio | 50.0155% | 134 |
| Total risk-based capital ratio | 51.2890% | 133 |
| Memoranda: | ||
| Average total assets | $41,300,500 | 6,427 |
| Average earning assets | $36,308,500 | 6,458 |
| Average equity | $9,672,500 | 5,073 |
| Average total loans | $19,194,000 | 6,403 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8747% | 6,830 |
| Cost of funding earning assets | 0.8318% | 2,411 |
| Net interest margin | 2.0429% | 6,919 |
| Noninterest income to average assets | 0.0048% | 6,808 |
| Noninterest expense to average assets | 1.6278% | 6,780 |
| Loan and lease loss provision to assets | 0.1886% | 3,284 |
| Net operating income to assets | 0.0716% | 6,057 |
| Return on assets (ROA) | 0.0716% | 6,202 |
| Pretax return on assets | -0.0119% | 6,296 |
| Return on Equity (ROE) | 0.3102% | 6,261 |
| Retained earnings to average equity (ytd only) | 0.3102% | 5,702 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2116% | 1,049 |
| Assets per employee ($millions) | 6.9138% | 798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 4,862 |
| Loan loss allowance to noncurrent loans | 37.1560% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 1.7140% | 2,828 |
| Noncurrent loans to loans | 3.3692% | 1,500 |
| Net loans and leases to total assets | 46.2069% | 5,590 |
| Net loans and leases to deposits | 61.5444% | 4,838 |
| Net loans and leases to core deposits | 64.7984% | 4,864 |
| Total domestic deposits to total assets | 75.0789% | 6,437 |
| Equity capital to assets | 23.3156% | 117 |
| Core capital (leverage) ratio | 23.1909% | 114 |
| Tier 1 risk-based capital ratio | 49.5053% | 141 |
| Total risk-based capital ratio | 50.7511% | 141 |
| Memoranda: | ||
| Average total assets | $41,897,600 | 6,436 |
| Average earning assets | $36,908,000 | 6,475 |
| Average equity | $9,672,400 | 5,060 |
| Average total loans | $19,761,200 | 6,440 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8867% | 6,938 |
| Cost of funding earning assets | 0.8577% | 2,477 |
| Net interest margin | 2.0290% | 7,029 |
| Noninterest income to average assets | 0.0032% | 6,926 |
| Noninterest expense to average assets | 1.6221% | 6,857 |
| Loan and lease loss provision to assets | 0.2413% | 2,640 |
| Net operating income to assets | 0.0381% | 6,224 |
| Return on assets (ROA) | 0.0381% | 6,360 |
| Pretax return on assets | -0.0730% | 6,461 |
| Return on Equity (ROE) | 0.1654% | 6,384 |
| Retained earnings to average equity (ytd only) | 0.1654% | 6,026 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6028% | 995 |
| Assets per employee ($millions) | 6.9650% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2217% | 5,185 |
| Loan loss allowance to noncurrent loans | 36.8664% | 5,806 |
| Noncurrent assets plus other real estate owned to assets | 1.6942% | 3,048 |
| Noncurrent loans to loans | 3.3140% | 1,657 |
| Net loans and leases to total assets | 46.4322% | 5,717 |
| Net loans and leases to deposits | 61.7215% | 5,000 |
| Net loans and leases to core deposits | 64.9528% | 5,058 |
| Total domestic deposits to total assets | 75.2285% | 6,487 |
| Equity capital to assets | 23.1132% | 138 |
| Core capital (leverage) ratio | 23.0618% | 120 |
| Tier 1 risk-based capital ratio | 49.3902% | 145 |
| Total risk-based capital ratio | 50.6201% | 145 |
| Memoranda: | ||
| Average total assets | $42,001,250 | 6,502 |
| Average earning assets | $36,996,750 | 6,548 |
| Average equity | $9,672,500 | 5,107 |
| Average total loans | $19,848,750 | 6,521 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9029% | 7,010 |
| Cost of funding earning assets | 0.8849% | 2,524 |
| Net interest margin | 2.0180% | 7,103 |
| Noninterest income to average assets | 0.0000% | 6,985 |
| Noninterest expense to average assets | 1.5355% | 6,984 |
| Loan and lease loss provision to assets | 0.0285% | 5,315 |
| Net operating income to assets | 0.1902% | 5,945 |
| Return on assets (ROA) | 0.1902% | 6,124 |
| Pretax return on assets | 0.2139% | 6,129 |
| Return on Equity (ROE) | 0.8267% | 6,330 |
| Retained earnings to average equity (ytd only) | 0.8267% | 5,735 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3636% | 1,397 |
| Assets per employee ($millions) | 6.9655% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8674% | 6,532 |
| Loan loss allowance to noncurrent loans | 43.3673% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 1.0743% | 4,236 |
| Noncurrent loans to loans | 2.0002% | 2,949 |
| Net loans and leases to total assets | 46.4863% | 5,781 |
| Net loans and leases to deposits | 61.9298% | 5,007 |
| Net loans and leases to core deposits | 64.3162% | 5,176 |
| Total domestic deposits to total assets | 75.0628% | 6,583 |
| Equity capital to assets | 23.1881% | 128 |
| Core capital (leverage) ratio | 23.0643% | 117 |
| Tier 1 risk-based capital ratio | 49.4147% | 135 |
| Total risk-based capital ratio | 50.2837% | 136 |
| Memoranda: | ||
| Average total assets | $42,071,670 | 6,540 |
| Average earning assets | $37,067,000 | 6,585 |
| Average equity | $9,677,000 | 5,117 |
| Average total loans | $19,917,000 | 6,566 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9339% | 7,069 |
| Cost of funding earning assets | 0.9135% | 2,581 |
| Net interest margin | 2.0204% | 7,159 |
| Noninterest income to average assets | 0.0000% | 7,087 |
| Noninterest expense to average assets | 1.5162% | 7,048 |
| Loan and lease loss provision to assets | 0.0284% | 5,008 |
| Net operating income to assets | 0.2180% | 5,930 |
| Return on assets (ROA) | 0.2180% | 6,073 |
| Pretax return on assets | 0.2369% | 6,117 |
| Return on Equity (ROE) | 0.9514% | 6,359 |
| Retained earnings to average equity (ytd only) | 0.9514% | 5,692 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1064% | 1,571 |
| Assets per employee ($millions) | 7.0042% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8470% | 6,647 |
| Loan loss allowance to noncurrent loans | 24.8143% | 6,382 |
| Noncurrent assets plus other real estate owned to assets | 1.7371% | 3,253 |
| Noncurrent loans to loans | 3.4133% | 1,841 |
| Net loans and leases to total assets | 46.5199% | 5,729 |
| Net loans and leases to deposits | 61.8025% | 4,949 |
| Net loans and leases to core deposits | 64.1636% | 5,095 |
| Total domestic deposits to total assets | 75.2719% | 6,614 |
| Equity capital to assets | 23.0315% | 123 |
| Core capital (leverage) ratio | 22.8590% | 121 |
| Tier 1 risk-based capital ratio | 49.6067% | 129 |
| Total risk-based capital ratio | 50.4653% | 131 |
| Memoranda: | ||
| Average total assets | $42,211,000 | 6,593 |
| Average earning assets | $37,220,000 | 6,633 |
| Average equity | $9,670,000 | 5,126 |
| Average total loans | $20,076,500 | 6,608 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1986% | 7,121 |
| Cost of funding earning assets | 1.0539% | 2,992 |
| Net interest margin | 2.1446% | 7,192 |
| Noninterest income to average assets | 0.0047% | 6,970 |
| Noninterest expense to average assets | 1.6207% | 7,108 |
| Loan and lease loss provision to assets | 0.1775% | 4,415 |
| Net operating income to assets | 0.1798% | 5,645 |
| Return on assets (ROA) | 0.1798% | 5,785 |
| Pretax return on assets | 0.1121% | 5,949 |
| Return on Equity (ROE) | 0.7989% | 6,001 |
| Retained earnings to average equity (ytd only) | 0.7989% | 5,484 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8411% | 1,681 |
| Assets per employee ($millions) | 7.0662% | 705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8025% | 6,730 |
| Loan loss allowance to noncurrent loans | 24.4411% | 6,454 |
| Noncurrent assets plus other real estate owned to assets | 1.7171% | 3,377 |
| Noncurrent loans to loans | 3.2834% | 1,970 |
| Net loans and leases to total assets | 47.8147% | 5,842 |
| Net loans and leases to deposits | 63.3263% | 5,087 |
| Net loans and leases to core deposits | 65.7158% | 5,285 |
| Total domestic deposits to total assets | 75.5053% | 6,541 |
| Equity capital to assets | 22.7870% | 136 |
| Core capital (leverage) ratio | 22.6467% | 129 |
| Tier 1 risk-based capital ratio | 48.7516% | 141 |
| Total risk-based capital ratio | 49.5822% | 142 |
| Memoranda: | ||
| Average total assets | $42,822,000 | 6,570 |
| Average earning assets | $38,048,200 | 6,603 |
| Average equity | $9,638,600 | 5,108 |
| Average total loans | $20,810,400 | 6,620 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2731% | 7,186 |
| Cost of funding earning assets | 1.0864% | 3,070 |
| Net interest margin | 2.1867% | 7,260 |
| Noninterest income to average assets | 0.0062% | 7,087 |
| Noninterest expense to average assets | 1.6648% | 7,130 |
| Loan and lease loss provision to assets | 0.2267% | 3,747 |
| Net operating income to assets | 0.1491% | 5,838 |
| Return on assets (ROA) | 0.1491% | 5,956 |
| Pretax return on assets | 0.0590% | 6,147 |
| Return on Equity (ROE) | 0.6644% | 6,136 |
| Retained earnings to average equity (ytd only) | 0.6644% | 5,747 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3503% | 1,594 |
| Assets per employee ($millions) | 7.1020% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7852% | 6,842 |
| Loan loss allowance to noncurrent loans | 54.0268% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 0.8237% | 5,119 |
| Noncurrent loans to loans | 1.4533% | 4,117 |
| Net loans and leases to total assets | 47.7424% | 5,986 |
| Net loans and leases to deposits | 63.0568% | 5,286 |
| Net loans and leases to core deposits | 65.4169% | 5,483 |
| Total domestic deposits to total assets | 75.7134% | 6,560 |
| Equity capital to assets | 22.5969% | 150 |
| Core capital (leverage) ratio | 22.5086% | 142 |
| Tier 1 risk-based capital ratio | 48.5163% | 157 |
| Total risk-based capital ratio | 49.3302% | 157 |
| Memoranda: | ||
| Average total assets | $42,928,250 | 6,630 |
| Average earning assets | $38,169,000 | 6,653 |
| Average equity | $9,633,000 | 5,147 |
| Average total loans | $20,904,000 | 6,677 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3060% | 7,249 |
| Cost of funding earning assets | 1.1159% | 3,119 |
| Net interest margin | 2.1901% | 7,317 |
| Noninterest income to average assets | 0.0046% | 7,178 |
| Noninterest expense to average assets | 1.6173% | 7,246 |
| Loan and lease loss provision to assets | 0.0232% | 6,003 |
| Net operating income to assets | 0.3160% | 5,304 |
| Return on assets (ROA) | 0.3160% | 5,442 |
| Pretax return on assets | 0.3160% | 5,634 |
| Return on Equity (ROE) | 1.4116% | 5,972 |
| Retained earnings to average equity (ytd only) | 1.4116% | 5,281 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6603% | 1,999 |
| Assets per employee ($millions) | 7.1105% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4461% | 7,262 |
| Loan loss allowance to noncurrent loans | 27.0349% | 6,424 |
| Noncurrent assets plus other real estate owned to assets | 0.9188% | 5,029 |
| Noncurrent loans to loans | 1.6501% | 3,937 |
| Net loans and leases to total assets | 48.6464% | 5,982 |
| Net loans and leases to deposits | 64.2419% | 5,236 |
| Net loans and leases to core deposits | 66.6431% | 5,427 |
| Total domestic deposits to total assets | 75.7237% | 6,641 |
| Equity capital to assets | 22.6543% | 160 |
| Core capital (leverage) ratio | 22.4037% | 147 |
| Tier 1 risk-based capital ratio | 48.2660% | 154 |
| Total risk-based capital ratio | 48.7327% | 156 |
| Memoranda: | ||
| Average total assets | $43,033,670 | 6,677 |
| Average earning assets | $38,354,330 | 6,705 |
| Average equity | $9,634,330 | 5,144 |
| Average total loans | $21,037,000 | 6,744 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2927% | 7,312 |
| Cost of funding earning assets | 1.1634% | 3,065 |
| Net interest margin | 2.1294% | 7,380 |
| Noninterest income to average assets | 0.0093% | 7,274 |
| Noninterest expense to average assets | 1.5826% | 7,315 |
| Loan and lease loss provision to assets | 0.0185% | 5,712 |
| Net operating income to assets | 0.3054% | 5,381 |
| Return on assets (ROA) | 0.3054% | 5,451 |
| Pretax return on assets | 0.3054% | 5,639 |
| Return on Equity (ROE) | 1.3723% | 6,028 |
| Retained earnings to average equity (ytd only) | 1.3723% | 5,277 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0097% | 2,077 |
| Assets per employee ($millions) | 7.1980% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4286% | 7,332 |
| Loan loss allowance to noncurrent loans | 24.4565% | 6,577 |
| Noncurrent assets plus other real estate owned to assets | 1.5050% | 3,996 |
| Noncurrent loans to loans | 1.7524% | 3,887 |
| Net loans and leases to total assets | 48.4162% | 6,030 |
| Net loans and leases to deposits | 63.5930% | 5,311 |
| Net loans and leases to core deposits | 65.9268% | 5,517 |
| Total domestic deposits to total assets | 76.1346% | 6,649 |
| Equity capital to assets | 22.3048% | 161 |
| Core capital (leverage) ratio | 22.1708% | 156 |
| Tier 1 risk-based capital ratio | 47.2159% | 156 |
| Total risk-based capital ratio | 47.6594% | 161 |
| Memoranda: | ||
| Average total assets | $43,219,000 | 6,721 |
| Average earning assets | $38,509,000 | 6,742 |
| Average equity | $9,619,000 | 5,144 |
| Average total loans | $21,132,000 | 6,788 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5015% | 7,386 |
| Cost of funding earning assets | 1.3675% | 3,470 |
| Net interest margin | 2.1341% | 7,419 |
| Noninterest income to average assets | 0.0023% | 7,272 |
| Noninterest expense to average assets | 1.9066% | 7,153 |
| Loan and lease loss provision to assets | 0.0466% | 6,701 |
| Net operating income to assets | 0.1606% | 5,402 |
| Return on assets (ROA) | 0.1606% | 5,562 |
| Pretax return on assets | -0.0326% | 5,931 |
| Return on Equity (ROE) | 0.7191% | 5,775 |
| Retained earnings to average equity (ytd only) | 0.7191% | 5,202 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2727% | 808 |
| Assets per employee ($millions) | 7.2083% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4138% | 7,415 |
| Loan loss allowance to noncurrent loans | 25.6560% | 6,562 |
| Noncurrent assets plus other real estate owned to assets | 1.4289% | 4,197 |
| Noncurrent loans to loans | 1.6131% | 4,087 |
| Net loans and leases to total assets | 48.9618% | 6,277 |
| Net loans and leases to deposits | 64.2437% | 5,597 |
| Net loans and leases to core deposits | 65.9730% | 5,877 |
| Total domestic deposits to total assets | 76.2127% | 6,610 |
| Equity capital to assets | 22.2081% | 175 |
| Core capital (leverage) ratio | 22.0893% | 166 |
| Tier 1 risk-based capital ratio | 45.8910% | 166 |
| Total risk-based capital ratio | 46.3139% | 171 |
| Memoranda: | ||
| Average total assets | $42,955,000 | 6,767 |
| Average earning assets | $38,611,600 | 6,773 |
| Average equity | $9,595,200 | 5,238 |
| Average total loans | $22,155,800 | 6,813 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5469% | 7,516 |
| Cost of funding earning assets | 1.4022% | 3,572 |
| Net interest margin | 2.1447% | 7,535 |
| Noninterest income to average assets | 0.0031% | 7,429 |
| Noninterest expense to average assets | 1.9837% | 7,079 |
| Loan and lease loss provision to assets | 0.0591% | 6,478 |
| Net operating income to assets | 0.1492% | 5,643 |
| Return on assets (ROA) | 0.1492% | 5,801 |
| Pretax return on assets | -0.1088% | 6,231 |
| Return on Equity (ROE) | 0.6672% | 5,976 |
| Retained earnings to average equity (ytd only) | 0.6672% | 5,535 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5723% | 670 |
| Assets per employee ($millions) | 6.1726% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4019% | 7,535 |
| Loan loss allowance to noncurrent loans | 21.9144% | 6,824 |
| Noncurrent assets plus other real estate owned to assets | 1.4488% | 4,278 |
| Noncurrent loans to loans | 1.8340% | 3,889 |
| Net loans and leases to total assets | 49.8982% | 6,334 |
| Net loans and leases to deposits | 65.4901% | 5,721 |
| Net loans and leases to core deposits | 67.2552% | 6,013 |
| Total domestic deposits to total assets | 76.1919% | 6,616 |
| Equity capital to assets | 22.2204% | 188 |
| Core capital (leverage) ratio | 22.0138% | 178 |
| Tier 1 risk-based capital ratio | 45.6716% | 172 |
| Total risk-based capital ratio | 46.0886% | 181 |
| Memoranda: | ||
| Average total assets | $42,881,250 | 6,855 |
| Average earning assets | $38,605,000 | 6,853 |
| Average equity | $9,592,750 | 5,317 |
| Average total loans | $22,378,750 | 6,890 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5344% | 7,600 |
| Cost of funding earning assets | 1.4200% | 3,746 |
| Net interest margin | 2.1144% | 7,614 |
| Noninterest income to average assets | 0.0047% | 7,513 |
| Noninterest expense to average assets | 1.6085% | 7,561 |
| Loan and lease loss provision to assets | 0.0140% | 6,775 |
| Net operating income to assets | 0.2244% | 5,481 |
| Return on assets (ROA) | 0.2244% | 5,615 |
| Pretax return on assets | 0.2899% | 5,526 |
| Return on Equity (ROE) | 1.0010% | 5,959 |
| Retained earnings to average equity (ytd only) | 1.0010% | 5,369 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1076% | 1,911 |
| Assets per employee ($millions) | 6.1937% | 1,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3349% | 7,644 |
| Loan loss allowance to noncurrent loans | 26.9504% | 6,550 |
| Noncurrent assets plus other real estate owned to assets | 0.6504% | 5,865 |
| Noncurrent loans to loans | 1.2427% | 4,896 |
| Net loans and leases to total assets | 52.1635% | 6,195 |
| Net loans and leases to deposits | 68.4007% | 5,512 |
| Net loans and leases to core deposits | 70.8966% | 5,782 |
| Total domestic deposits to total assets | 76.2616% | 6,636 |
| Equity capital to assets | 22.1400% | 194 |
| Core capital (leverage) ratio | 22.2352% | 173 |
| Tier 1 risk-based capital ratio | 45.3909% | 182 |
| Total risk-based capital ratio | 45.7529% | 188 |
| Memoranda: | ||
| Average total assets | $42,772,330 | 6,911 |
| Average earning assets | $38,592,000 | 6,906 |
| Average equity | $9,590,000 | 5,318 |
| Average total loans | $22,622,670 | 6,929 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8352% | 7,567 |
| Cost of funding earning assets | 1.4695% | 3,742 |
| Net interest margin | 2.3658% | 7,557 |
| Noninterest income to average assets | 0.0094% | 7,624 |
| Noninterest expense to average assets | 1.6761% | 7,594 |
| Loan and lease loss provision to assets | 0.0188% | 6,452 |
| Net operating income to assets | 0.3578% | 5,036 |
| Return on assets (ROA) | 0.3578% | 5,164 |
| Pretax return on assets | 0.4520% | 5,126 |
| Return on Equity (ROE) | 1.5857% | 5,926 |
| Retained earnings to average equity (ytd only) | 1.5857% | 5,152 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0702% | 2,883 |
| Assets per employee ($millions) | 6.0493% | 1,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3340% | 7,735 |
| Loan loss allowance to noncurrent loans | 25.8621% | 6,681 |
| Noncurrent assets plus other real estate owned to assets | 0.6849% | 5,801 |
| Noncurrent loans to loans | 1.2915% | 4,820 |
| Net loans and leases to total assets | 52.8516% | 6,169 |
| Net loans and leases to deposits | 69.7283% | 5,385 |
| Net loans and leases to core deposits | 72.3523% | 5,671 |
| Total domestic deposits to total assets | 75.7964% | 6,791 |
| Equity capital to assets | 22.6190% | 192 |
| Core capital (leverage) ratio | 22.4053% | 177 |
| Tier 1 risk-based capital ratio | 46.5929% | 172 |
| Total risk-based capital ratio | 46.9601% | 178 |
| Memoranda: | ||
| Average total assets | $42,480,500 | 7,001 |
| Average earning assets | $38,381,000 | 7,004 |
| Average equity | $9,585,500 | 5,349 |
| Average total loans | $22,588,000 | 7,016 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9261% | 7,724 |
| Cost of funding earning assets | 2.0346% | 2,796 |
| Net interest margin | 1.8915% | 7,783 |
| Noninterest income to average assets | 0.0091% | 7,667 |
| Noninterest expense to average assets | 1.4187% | 7,837 |
| Loan and lease loss provision to assets | 0.0137% | 7,354 |
| Net operating income to assets | 0.3084% | 4,500 |
| Return on assets (ROA) | 0.3084% | 4,587 |
| Pretax return on assets | 0.2970% | 4,772 |
| Return on Equity (ROE) | 1.4258% | 5,113 |
| Retained earnings to average equity (ytd only) | 1.4258% | 4,068 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0343% | 2,594 |
| Assets per employee ($millions) | 6.0880% | 1,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3213% | 7,815 |
| Loan loss allowance to noncurrent loans | 32.0175% | 6,325 |
| Noncurrent assets plus other real estate owned to assets | 0.5350% | 6,118 |
| Noncurrent loans to loans | 1.0035% | 5,313 |
| Net loans and leases to total assets | 53.1444% | 6,295 |
| Net loans and leases to deposits | 69.8754% | 5,621 |
| Net loans and leases to core deposits | 108.4103% | 3,056 |
| Total domestic deposits to total assets | 76.0559% | 6,669 |
| Equity capital to assets | 22.5103% | 214 |
| Core capital (leverage) ratio | 21.8756% | 212 |
| Tier 1 risk-based capital ratio | 46.2191% | 181 |
| Total risk-based capital ratio | 46.5750% | 189 |
| Memoranda: | ||
| Average total assets | $43,772,200 | 6,952 |
| Average earning assets | $39,810,600 | 6,948 |
| Average equity | $9,468,400 | 5,458 |
| Average total loans | $23,428,800 | 7,002 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9031% | 7,834 |
| Cost of funding earning assets | 2.1591% | 2,604 |
| Net interest margin | 1.7439% | 7,904 |
| Noninterest income to average assets | 0.0030% | 7,822 |
| Noninterest expense to average assets | 1.3980% | 7,923 |
| Loan and lease loss provision to assets | 0.0151% | 7,185 |
| Net operating income to assets | 0.2300% | 5,057 |
| Return on assets (ROA) | 0.2300% | 5,138 |
| Pretax return on assets | 0.1785% | 5,343 |
| Return on Equity (ROE) | 1.0737% | 5,473 |
| Retained earnings to average equity (ytd only) | 1.0737% | 4,717 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8327% | 1,891 |
| Assets per employee ($millions) | 6.2936% | 1,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2054% | 7,974 |
| Loan loss allowance to noncurrent loans | 19.6653% | 7,112 |
| Noncurrent assets plus other real estate owned to assets | 0.6810% | 5,784 |
| Noncurrent loans to loans | 1.0446% | 5,228 |
| Net loans and leases to total assets | 51.8284% | 6,617 |
| Net loans and leases to deposits | 67.4057% | 6,181 |
| Net loans and leases to core deposits | 108.1159% | 3,456 |
| Total domestic deposits to total assets | 76.8903% | 6,366 |
| Equity capital to assets | 21.5708% | 265 |
| Core capital (leverage) ratio | 21.2822% | 252 |
| Tier 1 risk-based capital ratio | 44.8384% | 210 |
| Total risk-based capital ratio | 45.0624% | 220 |
| Memoranda: | ||
| Average total assets | $44,061,250 | 6,997 |
| Average earning assets | $40,138,500 | 6,994 |
| Average equity | $9,437,250 | 5,508 |
| Average total loans | $23,605,750 | 7,057 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9740% | 7,912 |
| Cost of funding earning assets | 2.2723% | 2,482 |
| Net interest margin | 1.7017% | 7,966 |
| Noninterest income to average assets | 0.0000% | 7,938 |
| Noninterest expense to average assets | 1.6658% | 7,868 |
| Loan and lease loss provision to assets | 0.0136% | 7,082 |
| Net operating income to assets | -0.1226% | 6,050 |
| Return on assets (ROA) | -0.1226% | 6,085 |
| Pretax return on assets | -0.1226% | 6,024 |
| Return on Equity (ROE) | -0.5735% | 6,009 |
| Retained earnings to average equity (ytd only) | -0.5735% | 5,368 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9971% | 941 |
| Assets per employee ($millions) | 6.3366% | 1,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1946% | 8,068 |
| Loan loss allowance to noncurrent loans | 66.1765% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 7,178 |
| Noncurrent loans to loans | 0.2940% | 6,781 |
| Net loans and leases to total assets | 52.0358% | 6,687 |
| Net loans and leases to deposits | 67.3171% | 6,267 |
| Net loans and leases to core deposits | 107.9056% | 3,621 |
| Total domestic deposits to total assets | 77.2996% | 6,256 |
| Equity capital to assets | 21.1809% | 320 |
| Core capital (leverage) ratio | 21.1362% | 311 |
| Tier 1 risk-based capital ratio | 44.2106% | 231 |
| Total risk-based capital ratio | 44.4244% | 244 |
| Memoranda: | ||
| Average total assets | $44,063,330 | 7,056 |
| Average earning assets | $40,312,330 | 7,043 |
| Average equity | $9,415,330 | 5,543 |
| Average total loans | $23,847,670 | 7,095 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1210% | 7,934 |
| Cost of funding earning assets | 2.4288% | 2,179 |
| Net interest margin | 1.6922% | 8,006 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 1.7123% | 7,812 |
| Loan and lease loss provision to assets | 0.0182% | 6,650 |
| Net operating income to assets | -0.1822% | 6,530 |
| Return on assets (ROA) | -0.1822% | 6,618 |
| Pretax return on assets | -0.1822% | 6,556 |
| Return on Equity (ROE) | -0.8488% | 6,517 |
| Retained earnings to average equity (ytd only) | -0.8488% | 5,849 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.5882% | 794 |
| Assets per employee ($millions) | 6.2417% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1824% | 8,124 |
| Loan loss allowance to noncurrent loans | 60.2740% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 7,054 |
| Noncurrent loans to loans | 0.3026% | 6,681 |
| Net loans and leases to total assets | 55.1222% | 6,344 |
| Net loans and leases to deposits | 71.6104% | 5,793 |
| Net loans and leases to core deposits | 115.1463% | 2,893 |
| Total domestic deposits to total assets | 76.9752% | 6,284 |
| Equity capital to assets | 21.5371% | 332 |
| Core capital (leverage) ratio | 21.2036% | 342 |
| Tier 1 risk-based capital ratio | 43.8645% | 270 |
| Total risk-based capital ratio | 44.0718% | 277 |
| Memoranda: | ||
| Average total assets | $43,917,000 | 7,105 |
| Average earning assets | $40,184,000 | 7,090 |
| Average equity | $9,425,500 | 5,559 |
| Average total loans | $24,208,500 | 7,119 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0515% | 7,804 |
| Cost of funding earning assets | 3.1830% | 1,248 |
| Net interest margin | 1.8685% | 8,116 |
| Noninterest income to average assets | 0.0022% | 8,100 |
| Noninterest expense to average assets | 1.7235% | 7,846 |
| Loan and lease loss provision to assets | 0.0090% | 7,260 |
| Net operating income to assets | 0.0022% | 6,362 |
| Return on assets (ROA) | 0.0022% | 6,226 |
| Pretax return on assets | -0.0247% | 6,181 |
| Return on Equity (ROE) | 0.0108% | 6,228 |
| Retained earnings to average equity (ytd only) | 0.0108% | 5,235 |
| Net charge-offs to loans | 0.0904% | 5,449 |
| Credit loss provision to net charge-offs | 18.1818% | 6,591 |
| Earnings coverage of net charge-offs (x) | -0.3182% | 6,425 |
| Efficiency ratio | 100.9211% | 945 |
| Assets per employee ($millions) | 6.3060% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1729% | 8,180 |
| Loan loss allowance to noncurrent loans | 34.4262% | 6,435 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 6,475 |
| Noncurrent loans to loans | 0.5023% | 5,845 |
| Net loans and leases to total assets | 54.9295% | 6,553 |
| Net loans and leases to deposits | 71.1912% | 6,144 |
| Net loans and leases to core deposits | 115.1712% | 3,221 |
| Total domestic deposits to total assets | 77.1578% | 5,952 |
| Equity capital to assets | 21.3878% | 382 |
| Core capital (leverage) ratio | 20.9604% | 377 |
| Tier 1 risk-based capital ratio | 43.6238% | 279 |
| Total risk-based capital ratio | 43.8201% | 286 |
| Memoranda: | ||
| Average total assets | $44,501,200 | 7,007 |
| Average earning assets | $40,621,800 | 7,017 |
| Average equity | $9,290,800 | 5,641 |
| Average total loans | $24,324,000 | 7,065 |