Home > Saint Casimir's Savings Bank > Performance and Condition Ratios
Saint Casimir's 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 | 2.4956% | 5,615 |
| Cost of funding earning assets | 0.3394% | 3,780 |
| Net interest margin | 2.1562% | 5,612 |
| Noninterest income to average assets | 0.1385% | 5,314 |
| Noninterest expense to average assets | 3.9106% | 585 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -1.8360% | 5,706 |
| Return on assets (ROA) | -1.8360% | 5,706 |
| Pretax return on assets | -1.8360% | 5,705 |
| Return on Equity (ROE) | -8.8601% | 5,665 |
| Retained earnings to average equity (ytd only) | -8.8601% | 5,604 |
| Net charge-offs to loans | 0.2307% | 937 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -44.1842% | 3,790 |
| Efficiency ratio | 188.5015% | 15 |
| Assets per employee ($millions) | 5.2639% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5521% | 5,406 |
| Loan loss allowance to noncurrent loans | 19.9063% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 0.5141% | 3,008 |
| Noncurrent loans to loans | 2.7734% | 497 |
| Net loans and leases to total assets | 18.1791% | 5,649 |
| Net loans and leases to deposits | 23.6146% | 5,640 |
| Net loans and leases to core deposits | 24.1453% | 5,639 |
| Total domestic deposits to total assets | 76.9825% | 4,901 |
| Equity capital to assets | 20.4718% | 210 |
| Core capital (leverage) ratio | 20.8516% | 182 |
| Tier 1 risk-based capital ratio | 74.6389% | 56 |
| Total risk-based capital ratio | 74.9927% | 57 |
| Memoranda: | ||
| Average total assets | $86,634,250 | 4,520 |
| Average earning assets | $77,788,250 | 4,545 |
| Average equity | $17,952,750 | 3,399 |
| Average total loans | $15,605,750 | 5,487 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5036% | 5,661 |
| Cost of funding earning assets | 0.3447% | 3,636 |
| Net interest margin | 2.1589% | 5,659 |
| Noninterest income to average assets | 0.1395% | 5,354 |
| Noninterest expense to average assets | 2.9141% | 2,377 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.8692% | 5,709 |
| Return on assets (ROA) | -0.8692% | 5,707 |
| Pretax return on assets | -0.8692% | 5,701 |
| Return on Equity (ROE) | -4.1782% | 5,675 |
| Retained earnings to average equity (ytd only) | -4.1782% | 5,499 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.5056% | 33 |
| Assets per employee ($millions) | 5.4703% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7220% | 5,155 |
| Loan loss allowance to noncurrent loans | 52.0930% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 0.2456% | 4,148 |
| Noncurrent loans to loans | 1.3859% | 1,397 |
| Net loans and leases to total assets | 17.5963% | 5,698 |
| Net loans and leases to deposits | 22.8291% | 5,692 |
| Net loans and leases to core deposits | 23.3204% | 5,692 |
| Total domestic deposits to total assets | 77.0783% | 4,945 |
| Equity capital to assets | 20.6286% | 198 |
| Core capital (leverage) ratio | 21.4385% | 151 |
| Tier 1 risk-based capital ratio | 76.2364% | 53 |
| Total risk-based capital ratio | 76.6919% | 54 |
| Memoranda: | ||
| Average total assets | $87,438,000 | 4,536 |
| Average earning assets | $77,168,000 | 4,584 |
| Average equity | $18,189,670 | 3,373 |
| Average total loans | $15,675,670 | 5,534 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5733% | 5,694 |
| Cost of funding earning assets | 0.3507% | 3,526 |
| Net interest margin | 2.2226% | 5,691 |
| Noninterest income to average assets | 0.1419% | 5,399 |
| Noninterest expense to average assets | 3.1077% | 1,846 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -1.0802% | 5,784 |
| Return on assets (ROA) | -1.0802% | 5,785 |
| Pretax return on assets | -1.0802% | 5,776 |
| Return on Equity (ROE) | -5.1706% | 5,740 |
| Retained earnings to average equity (ytd only) | -5.1706% | 5,397 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 153.2731% | 34 |
| Assets per employee ($millions) | 4.8506% | 2,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7151% | 5,272 |
| Loan loss allowance to noncurrent loans | 622.2222% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 5,256 |
| Noncurrent loans to loans | 0.1149% | 4,734 |
| Net loans and leases to total assets | 17.8099% | 5,763 |
| Net loans and leases to deposits | 23.1371% | 5,753 |
| Net loans and leases to core deposits | 23.5282% | 5,752 |
| Total domestic deposits to total assets | 76.9754% | 5,115 |
| Equity capital to assets | 20.7775% | 182 |
| Core capital (leverage) ratio | 21.4638% | 150 |
| Tier 1 risk-based capital ratio | 74.6807% | 58 |
| Total risk-based capital ratio | 75.1236% | 60 |
| Memoranda: | ||
| Average total assets | $87,395,000 | 4,576 |
| Average earning assets | $74,146,500 | 4,703 |
| Average equity | $18,257,000 | 3,381 |
| Average total loans | $15,757,000 | 5,595 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6947% | 5,693 |
| Cost of funding earning assets | 0.3402% | 3,631 |
| Net interest margin | 2.3544% | 5,679 |
| Noninterest income to average assets | 0.1554% | 5,432 |
| Noninterest expense to average assets | 2.8023% | 3,013 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.6482% | 5,809 |
| Return on assets (ROA) | -0.6482% | 5,812 |
| Pretax return on assets | -0.6482% | 5,801 |
| Return on Equity (ROE) | -3.0495% | 5,755 |
| Retained earnings to average equity (ytd only) | -3.0495% | 5,590 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.0921% | 58 |
| Assets per employee ($millions) | 4.6331% | 2,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7065% | 5,345 |
| Loan loss allowance to noncurrent loans | 800.0000% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 5,330 |
| Noncurrent loans to loans | 0.0883% | 4,883 |
| Net loans and leases to total assets | 17.8807% | 5,820 |
| Net loans and leases to deposits | 23.4240% | 5,804 |
| Net loans and leases to core deposits | 23.6727% | 5,811 |
| Total domestic deposits to total assets | 76.3348% | 5,204 |
| Equity capital to assets | 21.4750% | 165 |
| Core capital (leverage) ratio | 21.5395% | 151 |
| Tier 1 risk-based capital ratio | 76.2751% | 53 |
| Total risk-based capital ratio | 76.7162% | 53 |
| Memoranda: | ||
| Average total assets | $90,712,200 | 4,530 |
| Average earning assets | $77,003,600 | 4,649 |
| Average equity | $19,281,600 | 3,240 |
| Average total loans | $16,963,400 | 5,615 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7054% | 5,760 |
| Cost of funding earning assets | 0.3380% | 3,676 |
| Net interest margin | 2.3675% | 5,735 |
| Noninterest income to average assets | 0.1576% | 5,484 |
| Noninterest expense to average assets | 2.8217% | 2,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.6507% | 5,876 |
| Return on assets (ROA) | -0.6507% | 5,879 |
| Pretax return on assets | -0.6507% | 5,874 |
| Return on Equity (ROE) | -3.0690% | 5,837 |
| Retained earnings to average equity (ytd only) | -3.0690% | 5,655 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.9731% | 58 |
| Assets per employee ($millions) | 4.6521% | 2,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6705% | 5,488 |
| Loan loss allowance to noncurrent loans | 800.0000% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 5,453 |
| Noncurrent loans to loans | 0.0838% | 5,015 |
| Net loans and leases to total assets | 18.7704% | 5,885 |
| Net loans and leases to deposits | 24.6336% | 5,867 |
| Net loans and leases to core deposits | 24.8946% | 5,873 |
| Total domestic deposits to total assets | 76.1984% | 5,210 |
| Equity capital to assets | 21.6622% | 173 |
| Core capital (leverage) ratio | 21.7312% | 145 |
| Tier 1 risk-based capital ratio | 75.9872% | 57 |
| Total risk-based capital ratio | 76.4701% | 59 |
| Memoranda: | ||
| Average total assets | $91,383,250 | 4,558 |
| Average earning assets | $77,717,750 | 4,670 |
| Average equity | $19,376,000 | 3,253 |
| Average total loans | $17,241,250 | 5,664 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7336% | 5,827 |
| Cost of funding earning assets | 0.3407% | 3,675 |
| Net interest margin | 2.3928% | 5,815 |
| Noninterest income to average assets | 0.1580% | 5,525 |
| Noninterest expense to average assets | 2.8296% | 2,923 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.6343% | 5,942 |
| Return on assets (ROA) | -0.6343% | 5,946 |
| Pretax return on assets | -0.6343% | 5,935 |
| Return on Equity (ROE) | -3.0125% | 5,897 |
| Retained earnings to average equity (ytd only) | -3.0125% | 5,633 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.8955% | 68 |
| Assets per employee ($millions) | 4.7901% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6660% | 5,582 |
| Loan loss allowance to noncurrent loans | 167.1642% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.0736% | 5,244 |
| Noncurrent loans to loans | 0.3984% | 3,932 |
| Net loans and leases to total assets | 18.3549% | 5,960 |
| Net loans and leases to deposits | 23.9022% | 5,942 |
| Net loans and leases to core deposits | 24.1458% | 5,952 |
| Total domestic deposits to total assets | 76.7918% | 5,184 |
| Equity capital to assets | 21.2337% | 175 |
| Core capital (leverage) ratio | 21.5034% | 145 |
| Tier 1 risk-based capital ratio | 75.1136% | 59 |
| Total risk-based capital ratio | 75.5948% | 60 |
| Memoranda: | ||
| Average total assets | $92,381,330 | 4,572 |
| Average earning assets | $78,651,330 | 4,683 |
| Average equity | $19,452,330 | 3,253 |
| Average total loans | $17,420,670 | 5,721 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8401% | 5,830 |
| Cost of funding earning assets | 0.3481% | 3,619 |
| Net interest margin | 2.4920% | 5,812 |
| Noninterest income to average assets | 0.1547% | 5,566 |
| Noninterest expense to average assets | 2.7937% | 3,091 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.5158% | 5,967 |
| Return on assets (ROA) | -0.5158% | 5,974 |
| Pretax return on assets | -0.5158% | 5,966 |
| Return on Equity (ROE) | -2.4595% | 5,921 |
| Retained earnings to average equity (ytd only) | -2.4595% | 5,429 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.6415% | 91 |
| Assets per employee ($millions) | 4.8830% | 2,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6386% | 5,688 |
| Loan loss allowance to noncurrent loans | 167.1642% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 5,304 |
| Noncurrent loans to loans | 0.3820% | 4,072 |
| Net loans and leases to total assets | 18.7827% | 6,008 |
| Net loans and leases to deposits | 24.3393% | 5,988 |
| Net loans and leases to core deposits | 24.7542% | 5,994 |
| Total domestic deposits to total assets | 77.1700% | 5,266 |
| Equity capital to assets | 20.9869% | 182 |
| Core capital (leverage) ratio | 21.4356% | 152 |
| Tier 1 risk-based capital ratio | 74.2138% | 60 |
| Total risk-based capital ratio | 74.6737% | 63 |
| Memoranda: | ||
| Average total assets | $93,066,500 | 4,596 |
| Average earning assets | $79,293,000 | 4,722 |
| Average equity | $19,516,000 | 3,252 |
| Average total loans | $17,722,500 | 5,762 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6932% | 5,939 |
| Cost of funding earning assets | 0.3559% | 3,640 |
| Net interest margin | 2.3374% | 5,928 |
| Noninterest income to average assets | 0.1734% | 5,547 |
| Noninterest expense to average assets | 2.7918% | 3,262 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.6250% | 6,064 |
| Return on assets (ROA) | -0.6832% | 6,074 |
| Pretax return on assets | -0.6832% | 6,067 |
| Return on Equity (ROE) | -3.2638% | 6,015 |
| Retained earnings to average equity (ytd only) | -3.2638% | 5,838 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.8433% | 71 |
| Assets per employee ($millions) | 4.4485% | 3,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6255% | 5,764 |
| Loan loss allowance to noncurrent loans | 164.7059% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.0728% | 5,345 |
| Noncurrent loans to loans | 0.3797% | 4,090 |
| Net loans and leases to total assets | 19.0488% | 6,062 |
| Net loans and leases to deposits | 24.6909% | 6,043 |
| Net loans and leases to core deposits | 24.9341% | 6,051 |
| Total domestic deposits to total assets | 77.1489% | 5,293 |
| Equity capital to assets | 20.8193% | 187 |
| Core capital (leverage) ratio | 21.4661% | 144 |
| Tier 1 risk-based capital ratio | 73.6199% | 60 |
| Total risk-based capital ratio | 74.0517% | 63 |
| Memoranda: | ||
| Average total assets | $94,561,400 | 4,569 |
| Average earning assets | $80,646,400 | 4,698 |
| Average equity | $19,792,600 | 3,192 |
| Average total loans | $17,971,200 | 5,793 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7166% | 6,010 |
| Cost of funding earning assets | 0.3558% | 3,684 |
| Net interest margin | 2.3607% | 5,997 |
| Noninterest income to average assets | 0.1785% | 5,584 |
| Noninterest expense to average assets | 2.7496% | 3,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.5567% | 6,149 |
| Return on assets (ROA) | -0.6340% | 6,157 |
| Pretax return on assets | -0.6340% | 6,150 |
| Return on Equity (ROE) | -3.0250% | 6,105 |
| Retained earnings to average equity (ytd only) | -3.0250% | 5,938 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.3846% | 82 |
| Assets per employee ($millions) | 4.4579% | 3,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6257% | 5,857 |
| Loan loss allowance to noncurrent loans | 1,400.0000% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 5,771 |
| Noncurrent loans to loans | 0.0447% | 5,440 |
| Net loans and leases to total assets | 19.0000% | 6,149 |
| Net loans and leases to deposits | 24.6586% | 6,136 |
| Net loans and leases to core deposits | 24.9013% | 6,142 |
| Total domestic deposits to total assets | 77.0520% | 5,330 |
| Equity capital to assets | 21.0050% | 198 |
| Core capital (leverage) ratio | 21.3866% | 157 |
| Tier 1 risk-based capital ratio | 74.1598% | 64 |
| Total risk-based capital ratio | 74.6089% | 66 |
| Memoranda: | ||
| Average total assets | $94,847,250 | 4,620 |
| Average earning assets | $80,933,750 | 4,752 |
| Average equity | $19,878,500 | 3,214 |
| Average total loans | $17,987,250 | 5,863 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7025% | 6,078 |
| Cost of funding earning assets | 0.3544% | 3,761 |
| Net interest margin | 2.3481% | 6,071 |
| Noninterest income to average assets | 0.1974% | 5,502 |
| Noninterest expense to average assets | 2.6707% | 3,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.4703% | 6,181 |
| Return on assets (ROA) | -0.5858% | 6,215 |
| Pretax return on assets | -0.5858% | 6,200 |
| Return on Equity (ROE) | -2.7970% | 6,153 |
| Retained earnings to average equity (ytd only) | -2.7970% | 5,909 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.3740% | 106 |
| Assets per employee ($millions) | 4.5237% | 2,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6281% | 5,932 |
| Loan loss allowance to noncurrent loans | 1,866.6667% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 5,881 |
| Noncurrent loans to loans | 0.0336% | 5,616 |
| Net loans and leases to total assets | 18.6520% | 6,222 |
| Net loans and leases to deposits | 24.1275% | 6,215 |
| Net loans and leases to core deposits | 24.3604% | 6,216 |
| Total domestic deposits to total assets | 77.3058% | 5,410 |
| Equity capital to assets | 20.8710% | 187 |
| Core capital (leverage) ratio | 21.3204% | 156 |
| Tier 1 risk-based capital ratio | 74.3877% | 66 |
| Total risk-based capital ratio | 74.8197% | 67 |
| Memoranda: | ||
| Average total assets | $95,257,670 | 4,653 |
| Average earning assets | $81,258,670 | 4,797 |
| Average equity | $19,950,000 | 3,222 |
| Average total loans | $18,016,670 | 5,923 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6712% | 6,139 |
| Cost of funding earning assets | 0.3486% | 3,873 |
| Net interest margin | 2.3226% | 6,149 |
| Noninterest income to average assets | 0.1510% | 5,834 |
| Noninterest expense to average assets | 2.6041% | 3,904 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.4697% | 6,236 |
| Return on assets (ROA) | -0.7003% | 6,285 |
| Pretax return on assets | -0.7003% | 6,273 |
| Return on Equity (ROE) | -3.3381% | 6,221 |
| Retained earnings to average equity (ytd only) | -3.3381% | 5,817 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.0039% | 115 |
| Assets per employee ($millions) | 4.7715% | 2,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6121% | 6,048 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 19.0579% | 6,277 |
| Net loans and leases to deposits | 24.6390% | 6,268 |
| Net loans and leases to core deposits | 24.8752% | 6,269 |
| Total domestic deposits to total assets | 77.3488% | 5,557 |
| Equity capital to assets | 20.9054% | 186 |
| Core capital (leverage) ratio | 21.4849% | 148 |
| Tier 1 risk-based capital ratio | 74.6574% | 72 |
| Total risk-based capital ratio | 75.1105% | 74 |
| Memoranda: | ||
| Average total assets | $95,387,500 | 4,678 |
| Average earning assets | $81,460,000 | 4,832 |
| Average equity | $20,011,500 | 3,237 |
| Average total loans | $18,109,500 | 5,971 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7630% | 6,226 |
| Cost of funding earning assets | 0.3558% | 4,191 |
| Net interest margin | 2.4072% | 6,223 |
| Noninterest income to average assets | 0.2288% | 5,486 |
| Noninterest expense to average assets | 2.6903% | 3,901 |
| Loan and lease loss provision to assets | 0.0021% | 4,567 |
| Net operating income to assets | -0.3644% | 6,259 |
| Return on assets (ROA) | -0.3644% | 6,256 |
| Pretax return on assets | -0.4047% | 6,254 |
| Return on Equity (ROE) | -1.7177% | 6,196 |
| Retained earnings to average equity (ytd only) | -1.7177% | 5,984 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.6018% | 141 |
| Assets per employee ($millions) | 4.5383% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6250% | 6,110 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 18.6853% | 6,381 |
| Net loans and leases to deposits | 24.1763% | 6,367 |
| Net loans and leases to core deposits | 24.4082% | 6,367 |
| Total domestic deposits to total assets | 77.2877% | 5,555 |
| Equity capital to assets | 21.3410% | 174 |
| Core capital (leverage) ratio | 21.6532% | 149 |
| Tier 1 risk-based capital ratio | 78.3052% | 60 |
| Total risk-based capital ratio | 78.7299% | 60 |
| Memoranda: | ||
| Average total assets | $96,605,200 | 4,684 |
| Average earning assets | $82,626,200 | 4,832 |
| Average equity | $20,492,000 | 3,107 |
| Average total loans | $18,216,800 | 6,037 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7807% | 6,291 |
| Cost of funding earning assets | 0.3584% | 4,249 |
| Net interest margin | 2.4222% | 6,284 |
| Noninterest income to average assets | 0.1541% | 5,991 |
| Noninterest expense to average assets | 2.6823% | 3,886 |
| Loan and lease loss provision to assets | 0.0028% | 4,351 |
| Net operating income to assets | -0.4182% | 6,348 |
| Return on assets (ROA) | -0.4182% | 6,347 |
| Pretax return on assets | -0.4581% | 6,344 |
| Return on Equity (ROE) | -1.9743% | 6,283 |
| Retained earnings to average equity (ytd only) | -1.9743% | 6,071 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.4447% | 127 |
| Assets per employee ($millions) | 4.5330% | 2,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6054% | 6,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 19.3165% | 6,459 |
| Net loans and leases to deposits | 25.0255% | 6,435 |
| Net loans and leases to core deposits | 25.2659% | 6,438 |
| Total domestic deposits to total assets | 77.1874% | 5,646 |
| Equity capital to assets | 21.4060% | 176 |
| Core capital (leverage) ratio | 21.5729% | 154 |
| Tier 1 risk-based capital ratio | 77.7127% | 60 |
| Total risk-based capital ratio | 78.1333% | 60 |
| Memoranda: | ||
| Average total assets | $96,930,250 | 4,719 |
| Average earning assets | $82,951,500 | 4,873 |
| Average equity | $20,530,250 | 3,113 |
| Average total loans | $18,291,000 | 6,099 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7687% | 6,360 |
| Cost of funding earning assets | 0.3596% | 4,326 |
| Net interest margin | 2.4091% | 6,351 |
| Noninterest income to average assets | 0.1395% | 6,127 |
| Noninterest expense to average assets | 2.6459% | 4,072 |
| Loan and lease loss provision to assets | 0.0041% | 4,141 |
| Net operating income to assets | -0.4102% | 6,418 |
| Return on assets (ROA) | -0.4102% | 6,418 |
| Pretax return on assets | -0.4492% | 6,403 |
| Return on Equity (ROE) | -1.9435% | 6,332 |
| Retained earnings to average equity (ytd only) | -1.9435% | 5,987 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.2237% | 142 |
| Assets per employee ($millions) | 4.4134% | 3,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6212% | 6,283 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 18.4551% | 6,532 |
| Net loans and leases to deposits | 23.7763% | 6,514 |
| Net loans and leases to core deposits | 24.0805% | 6,519 |
| Total domestic deposits to total assets | 77.6199% | 5,702 |
| Equity capital to assets | 21.0969% | 172 |
| Core capital (leverage) ratio | 21.3844% | 148 |
| Tier 1 risk-based capital ratio | 76.5928% | 59 |
| Total risk-based capital ratio | 77.0052% | 60 |
| Memoranda: | ||
| Average total assets | $97,509,330 | 4,744 |
| Average earning assets | $83,433,330 | 4,889 |
| Average equity | $20,581,330 | 3,111 |
| Average total loans | $18,221,330 | 6,151 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8026% | 6,398 |
| Cost of funding earning assets | 0.3587% | 4,452 |
| Net interest margin | 2.4439% | 6,382 |
| Noninterest income to average assets | 0.1637% | 5,996 |
| Noninterest expense to average assets | 2.5953% | 4,285 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.2988% | 6,394 |
| Return on assets (ROA) | -0.2988% | 6,397 |
| Pretax return on assets | -0.3398% | 6,407 |
| Return on Equity (ROE) | -1.4154% | 6,321 |
| Retained earnings to average equity (ytd only) | -1.4154% | 5,782 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.0635% | 222 |
| Assets per employee ($millions) | 4.4356% | 3,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6004% | 6,410 |
| Loan loss allowance to noncurrent loans | 157.1429% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 6,043 |
| Noncurrent loans to loans | 0.3821% | 4,977 |
| Net loans and leases to total assets | 18.6608% | 6,597 |
| Net loans and leases to deposits | 24.0260% | 6,575 |
| Net loans and leases to core deposits | 24.3313% | 6,577 |
| Total domestic deposits to total assets | 77.6695% | 5,875 |
| Equity capital to assets | 21.1080% | 169 |
| Core capital (leverage) ratio | 21.4610% | 147 |
| Tier 1 risk-based capital ratio | 76.4943% | 67 |
| Total risk-based capital ratio | 76.8966% | 68 |
| Memoranda: | ||
| Average total assets | $97,716,500 | 4,779 |
| Average earning assets | $83,638,000 | 4,927 |
| Average equity | $20,630,000 | 3,104 |
| Average total loans | $18,316,500 | 6,204 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6898% | 6,550 |
| Cost of funding earning assets | 0.3854% | 4,796 |
| Net interest margin | 2.3044% | 6,523 |
| Noninterest income to average assets | 0.1705% | 6,064 |
| Noninterest expense to average assets | 2.5991% | 4,464 |
| Loan and lease loss provision to assets | 0.0150% | 4,829 |
| Net operating income to assets | -0.4170% | 6,463 |
| Return on assets (ROA) | -0.8953% | 6,589 |
| Pretax return on assets | -0.9960% | 6,593 |
| Return on Equity (ROE) | -4.2800% | 6,463 |
| Retained earnings to average equity (ytd only) | -4.2800% | 6,331 |
| Net charge-offs to loans | 0.0981% | 3,861 |
| Credit loss provision to net charge-offs | 88.2353% | 2,811 |
| Earnings coverage of net charge-offs (x) | -26.5294% | 5,451 |
| Efficiency ratio | 120.9184% | 170 |
| Assets per employee ($millions) | 4.8925% | 2,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6061% | 6,465 |
| Loan loss allowance to noncurrent loans | 156.3380% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 6,131 |
| Noncurrent loans to loans | 0.3877% | 5,038 |
| Net loans and leases to total assets | 18.6021% | 6,683 |
| Net loans and leases to deposits | 23.9409% | 6,667 |
| Net loans and leases to core deposits | 24.2438% | 6,666 |
| Total domestic deposits to total assets | 77.7003% | 5,872 |
| Equity capital to assets | 21.1162% | 163 |
| Core capital (leverage) ratio | 21.1892% | 153 |
| Tier 1 risk-based capital ratio | 76.9648% | 65 |
| Total risk-based capital ratio | 77.3721% | 66 |
| Memoranda: | ||
| Average total assets | $100,303,000 | 4,733 |
| Average earning assets | $86,139,600 | 4,879 |
| Average equity | $20,981,200 | 3,042 |
| Average total loans | $17,328,800 | 6,305 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6725% | 6,632 |
| Cost of funding earning assets | 0.3921% | 4,888 |
| Net interest margin | 2.2804% | 6,601 |
| Noninterest income to average assets | 0.1876% | 6,070 |
| Noninterest expense to average assets | 2.5327% | 4,610 |
| Loan and lease loss provision to assets | 0.0198% | 4,611 |
| Net operating income to assets | -0.1931% | 6,464 |
| Return on assets (ROA) | -0.2193% | 6,497 |
| Pretax return on assets | -0.4466% | 6,576 |
| Return on Equity (ROE) | -1.0509% | 6,430 |
| Retained earnings to average equity (ytd only) | -1.0509% | 6,143 |
| Net charge-offs to loans | 0.1327% | 3,213 |
| Credit loss provision to net charge-offs | 88.2353% | 2,668 |
| Earnings coverage of net charge-offs (x) | -17.1734% | 5,181 |
| Efficiency ratio | 117.9692% | 188 |
| Assets per employee ($millions) | 4.5250% | 2,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6216% | 6,534 |
| Loan loss allowance to noncurrent loans | 177.4194% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 6,261 |
| Noncurrent loans to loans | 0.3504% | 5,333 |
| Net loans and leases to total assets | 17.6653% | 6,776 |
| Net loans and leases to deposits | 22.7727% | 6,768 |
| Net loans and leases to core deposits | 23.0560% | 6,768 |
| Total domestic deposits to total assets | 77.5723% | 5,965 |
| Equity capital to assets | 20.9862% | 176 |
| Core capital (leverage) ratio | 21.5051% | 146 |
| Tier 1 risk-based capital ratio | 76.7031% | 64 |
| Total risk-based capital ratio | 77.0973% | 65 |
| Memoranda: | ||
| Average total assets | $100,916,500 | 4,766 |
| Average earning assets | $86,708,250 | 4,907 |
| Average equity | $21,061,000 | 3,071 |
| Average total loans | $17,082,750 | 6,382 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6840% | 6,666 |
| Cost of funding earning assets | 0.3962% | 4,977 |
| Net interest margin | 2.2878% | 6,630 |
| Noninterest income to average assets | 0.2072% | 5,962 |
| Noninterest expense to average assets | 2.5273% | 4,637 |
| Loan and lease loss provision to assets | 0.0296% | 4,336 |
| Net operating income to assets | -0.1776% | 6,476 |
| Return on assets (ROA) | -0.1776% | 6,510 |
| Pretax return on assets | -0.3788% | 6,587 |
| Return on Equity (ROE) | -0.8524% | 6,443 |
| Retained earnings to average equity (ytd only) | -0.8524% | 6,022 |
| Net charge-offs to loans | 0.2014% | 2,550 |
| Credit loss provision to net charge-offs | 88.2353% | 2,478 |
| Earnings coverage of net charge-offs (x) | -10.4118% | 4,863 |
| Efficiency ratio | 116.0326% | 212 |
| Assets per employee ($millions) | 4.5775% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6191% | 6,590 |
| Loan loss allowance to noncurrent loans | 100.9174% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 6,168 |
| Noncurrent loans to loans | 0.6135% | 4,720 |
| Net loans and leases to total assets | 17.5344% | 6,823 |
| Net loans and leases to deposits | 22.5215% | 6,815 |
| Net loans and leases to core deposits | 22.8119% | 6,817 |
| Total domestic deposits to total assets | 77.8561% | 6,004 |
| Equity capital to assets | 20.8053% | 172 |
| Core capital (leverage) ratio | 21.2429% | 138 |
| Tier 1 risk-based capital ratio | 76.2703% | 63 |
| Total risk-based capital ratio | 76.6612% | 63 |
| Memoranda: | ||
| Average total assets | $101,371,670 | 4,780 |
| Average earning assets | $87,331,000 | 4,920 |
| Average equity | $21,117,330 | 3,082 |
| Average total loans | $16,878,330 | 6,431 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6778% | 6,742 |
| Cost of funding earning assets | 0.4014% | 5,086 |
| Net interest margin | 2.2764% | 6,700 |
| Noninterest income to average assets | 0.2242% | 5,871 |
| Noninterest expense to average assets | 2.5132% | 4,709 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1416% | 6,480 |
| Return on assets (ROA) | -0.1416% | 6,524 |
| Pretax return on assets | -0.3264% | 6,603 |
| Return on Equity (ROE) | -0.6792% | 6,479 |
| Retained earnings to average equity (ytd only) | -0.6792% | 5,912 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.9281% | 260 |
| Assets per employee ($millions) | 4.6079% | 2,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6758% | 6,627 |
| Loan loss allowance to noncurrent loans | 89.6000% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 6,202 |
| Noncurrent loans to loans | 0.7542% | 4,618 |
| Net loans and leases to total assets | 16.2389% | 6,909 |
| Net loans and leases to deposits | 20.8504% | 6,897 |
| Net loans and leases to core deposits | 21.1170% | 6,902 |
| Total domestic deposits to total assets | 77.8829% | 6,127 |
| Equity capital to assets | 20.8663% | 182 |
| Core capital (leverage) ratio | 21.0806% | 156 |
| Tier 1 risk-based capital ratio | 77.7499% | 64 |
| Total risk-based capital ratio | 78.1518% | 66 |
| Memoranda: | ||
| Average total assets | $101,705,000 | 4,819 |
| Average earning assets | $87,684,000 | 4,941 |
| Average equity | $21,200,000 | 3,111 |
| Average total loans | $16,433,500 | 6,509 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9607% | 6,788 |
| Cost of funding earning assets | 0.5543% | 4,778 |
| Net interest margin | 2.4063% | 6,775 |
| Noninterest income to average assets | 0.1655% | 6,208 |
| Noninterest expense to average assets | 2.4667% | 5,201 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.0621% | 6,247 |
| Return on assets (ROA) | -0.0503% | 6,348 |
| Pretax return on assets | -0.2236% | 6,432 |
| Return on Equity (ROE) | -0.2364% | 6,332 |
| Retained earnings to average equity (ytd only) | -0.2364% | 5,897 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.8790% | 322 |
| Assets per employee ($millions) | 4.8589% | 2,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6874% | 6,652 |
| Loan loss allowance to noncurrent loans | 35.3312% | 5,846 |
| Noncurrent assets plus other real estate owned to assets | 0.3107% | 5,739 |
| Noncurrent loans to loans | 1.9456% | 2,750 |
| Net loans and leases to total assets | 15.8581% | 6,976 |
| Net loans and leases to deposits | 20.3371% | 6,969 |
| Net loans and leases to core deposits | 20.5946% | 6,969 |
| Total domestic deposits to total assets | 77.9764% | 6,085 |
| Equity capital to assets | 20.8230% | 192 |
| Core capital (leverage) ratio | 21.0588% | 160 |
| Tier 1 risk-based capital ratio | 76.5919% | 67 |
| Total risk-based capital ratio | 76.9862% | 67 |
| Memoranda: | ||
| Average total assets | $103,297,600 | 4,756 |
| Average earning assets | $88,392,600 | 4,911 |
| Average equity | $21,997,800 | 2,972 |
| Average total loans | $16,604,400 | 6,569 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9887% | 6,905 |
| Cost of funding earning assets | 0.5875% | 4,769 |
| Net interest margin | 2.4012% | 6,893 |
| Noninterest income to average assets | 0.1776% | 6,241 |
| Noninterest expense to average assets | 2.4990% | 5,094 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.1239% | 6,425 |
| Return on assets (ROA) | -0.1132% | 6,504 |
| Pretax return on assets | -0.2535% | 6,570 |
| Return on Equity (ROE) | -0.5289% | 6,464 |
| Retained earnings to average equity (ytd only) | -0.5289% | 6,185 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.1247% | 270 |
| Assets per employee ($millions) | 4.6869% | 2,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6606% | 6,794 |
| Loan loss allowance to noncurrent loans | 36.3636% | 5,835 |
| Noncurrent assets plus other real estate owned to assets | 0.2987% | 5,951 |
| Noncurrent loans to loans | 1.8166% | 3,054 |
| Net loans and leases to total assets | 16.3347% | 7,066 |
| Net loans and leases to deposits | 21.0833% | 7,066 |
| Net loans and leases to core deposits | 21.3489% | 7,067 |
| Total domestic deposits to total assets | 77.4769% | 6,170 |
| Equity capital to assets | 21.5271% | 185 |
| Core capital (leverage) ratio | 21.3576% | 160 |
| Tier 1 risk-based capital ratio | 74.8281% | 68 |
| Total risk-based capital ratio | 75.2056% | 68 |
| Memoranda: | ||
| Average total assets | $103,613,000 | 4,785 |
| Average earning assets | $88,510,250 | 4,959 |
| Average equity | $22,185,500 | 2,978 |
| Average total loans | $16,682,250 | 6,652 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0697% | 6,948 |
| Cost of funding earning assets | 0.6153% | 4,760 |
| Net interest margin | 2.4544% | 6,927 |
| Noninterest income to average assets | 0.1522% | 6,437 |
| Noninterest expense to average assets | 2.4957% | 5,148 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.1066% | 6,444 |
| Return on assets (ROA) | -0.0906% | 6,535 |
| Pretax return on assets | -0.2274% | 6,602 |
| Return on Equity (ROE) | -0.4238% | 6,493 |
| Retained earnings to average equity (ytd only) | -0.4238% | 6,108 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.2543% | 315 |
| Assets per employee ($millions) | 4.9593% | 2,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6507% | 6,879 |
| Loan loss allowance to noncurrent loans | 36.3636% | 5,856 |
| Noncurrent assets plus other real estate owned to assets | 0.2957% | 6,028 |
| Noncurrent loans to loans | 1.7896% | 3,233 |
| Net loans and leases to total assets | 16.4185% | 7,127 |
| Net loans and leases to deposits | 21.1060% | 7,124 |
| Net loans and leases to core deposits | 21.3676% | 7,130 |
| Total domestic deposits to total assets | 77.7906% | 6,197 |
| Equity capital to assets | 21.3001% | 187 |
| Core capital (leverage) ratio | 21.4930% | 149 |
| Tier 1 risk-based capital ratio | 75.2859% | 63 |
| Total risk-based capital ratio | 75.6604% | 64 |
| Memoranda: | ||
| Average total assets | $103,780,000 | 4,806 |
| Average earning assets | $88,411,330 | 4,983 |
| Average equity | $22,181,670 | 2,967 |
| Average total loans | $16,591,330 | 6,710 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1329% | 6,986 |
| Cost of funding earning assets | 0.6438% | 4,787 |
| Net interest margin | 2.4891% | 6,962 |
| Noninterest income to average assets | 0.1429% | 6,522 |
| Noninterest expense to average assets | 2.4788% | 5,218 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.0927% | 6,530 |
| Return on assets (ROA) | -0.0927% | 6,614 |
| Pretax return on assets | -0.2162% | 6,677 |
| Return on Equity (ROE) | -0.4328% | 6,583 |
| Retained earnings to average equity (ytd only) | -0.4328% | 6,072 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.5563% | 343 |
| Assets per employee ($millions) | 4.9375% | 2,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6762% | 6,903 |
| Loan loss allowance to noncurrent loans | 36.3636% | 5,828 |
| Noncurrent assets plus other real estate owned to assets | 0.2970% | 6,151 |
| Noncurrent loans to loans | 1.8595% | 3,330 |
| Net loans and leases to total assets | 15.8668% | 7,190 |
| Net loans and leases to deposits | 20.4109% | 7,186 |
| Net loans and leases to core deposits | 20.6647% | 7,189 |
| Total domestic deposits to total assets | 77.7371% | 6,305 |
| Equity capital to assets | 21.3786% | 166 |
| Core capital (leverage) ratio | 21.5572% | 144 |
| Tier 1 risk-based capital ratio | 74.0026% | 61 |
| Total risk-based capital ratio | 74.3710% | 62 |
| Memoranda: | ||
| Average total assets | $103,597,500 | 4,847 |
| Average earning assets | $88,226,000 | 5,015 |
| Average equity | $22,181,000 | 2,959 |
| Average total loans | $16,281,500 | 6,779 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4173% | 7,041 |
| Cost of funding earning assets | 0.8543% | 4,440 |
| Net interest margin | 2.5630% | 7,022 |
| Noninterest income to average assets | 0.1367% | 6,469 |
| Noninterest expense to average assets | 2.3390% | 5,946 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.0287% | 5,989 |
| Return on assets (ROA) | 0.0344% | 6,097 |
| Pretax return on assets | 0.0057% | 6,121 |
| Return on Equity (ROE) | 0.1614% | 6,128 |
| Retained earnings to average equity (ytd only) | 0.1614% | 5,763 |
| Net charge-offs to loans | -0.1162% | 7,152 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 673 |
| Assets per employee ($millions) | 4.7049% | 2,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7000% | 6,906 |
| Loan loss allowance to noncurrent loans | 47.4576% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 6,389 |
| Noncurrent loans to loans | 1.4751% | 3,946 |
| Net loans and leases to total assets | 15.3487% | 7,259 |
| Net loans and leases to deposits | 19.7548% | 7,255 |
| Net loans and leases to core deposits | 20.0003% | 7,250 |
| Total domestic deposits to total assets | 77.6962% | 6,247 |
| Equity capital to assets | 21.4430% | 172 |
| Core capital (leverage) ratio | 21.5394% | 152 |
| Tier 1 risk-based capital ratio | 74.0581% | 61 |
| Total risk-based capital ratio | 74.4263% | 62 |
| Memoranda: | ||
| Average total assets | $104,616,800 | 4,774 |
| Average earning assets | $89,895,600 | 4,939 |
| Average equity | $22,304,800 | 2,862 |
| Average total loans | $16,352,200 | 6,830 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4577% | 7,105 |
| Cost of funding earning assets | 0.8792% | 4,559 |
| Net interest margin | 2.5786% | 7,086 |
| Noninterest income to average assets | 0.1309% | 6,598 |
| Noninterest expense to average assets | 2.3261% | 5,965 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.0585% | 6,054 |
| Return on assets (ROA) | 0.0585% | 6,159 |
| Pretax return on assets | 0.0267% | 6,201 |
| Return on Equity (ROE) | 0.2746% | 6,205 |
| Retained earnings to average equity (ytd only) | 0.2746% | 5,873 |
| Net charge-offs to loans | -0.1541% | 7,229 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8655% | 704 |
| Assets per employee ($millions) | 4.9524% | 2,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7011% | 6,958 |
| Loan loss allowance to noncurrent loans | 91.0569% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 6,753 |
| Noncurrent loans to loans | 0.7699% | 5,332 |
| Net loans and leases to total assets | 15.2538% | 7,339 |
| Net loans and leases to deposits | 19.6021% | 7,335 |
| Net loans and leases to core deposits | 19.8436% | 7,329 |
| Total domestic deposits to total assets | 77.8173% | 6,222 |
| Equity capital to assets | 21.5865% | 180 |
| Core capital (leverage) ratio | 21.4709% | 163 |
| Tier 1 risk-based capital ratio | 76.4291% | 70 |
| Total risk-based capital ratio | 76.8074% | 70 |
| Memoranda: | ||
| Average total assets | $104,894,250 | 4,792 |
| Average earning assets | $90,384,250 | 4,943 |
| Average equity | $22,332,250 | 2,856 |
| Average total loans | $16,440,500 | 6,893 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4850% | 7,165 |
| Cost of funding earning assets | 0.9104% | 4,582 |
| Net interest margin | 2.5746% | 7,136 |
| Noninterest income to average assets | 0.1369% | 6,643 |
| Noninterest expense to average assets | 2.3291% | 6,050 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.0532% | 6,112 |
| Return on assets (ROA) | 0.0532% | 6,194 |
| Pretax return on assets | 0.0285% | 6,228 |
| Return on Equity (ROE) | 0.2512% | 6,253 |
| Retained earnings to average equity (ytd only) | 0.2512% | 5,736 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7903% | 763 |
| Assets per employee ($millions) | 4.9985% | 2,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5830% | 7,159 |
| Loan loss allowance to noncurrent loans | 75.0000% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 6,800 |
| Noncurrent loans to loans | 0.7773% | 5,358 |
| Net loans and leases to total assets | 15.1083% | 7,414 |
| Net loans and leases to deposits | 19.3223% | 7,408 |
| Net loans and leases to core deposits | 19.5684% | 7,407 |
| Total domestic deposits to total assets | 78.1907% | 6,252 |
| Equity capital to assets | 21.2949% | 201 |
| Core capital (leverage) ratio | 21.2041% | 181 |
| Tier 1 risk-based capital ratio | 75.2799% | 72 |
| Total risk-based capital ratio | 75.5907% | 71 |
| Memoranda: | ||
| Average total assets | $105,192,330 | 4,822 |
| Average earning assets | $90,731,670 | 4,973 |
| Average equity | $22,293,000 | 2,842 |
| Average total loans | $16,595,330 | 6,954 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6052% | 7,134 |
| Cost of funding earning assets | 0.9672% | 4,450 |
| Net interest margin | 2.6379% | 7,089 |
| Noninterest income to average assets | 0.1329% | 6,747 |
| Noninterest expense to average assets | 2.3703% | 5,980 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0532% | 6,223 |
| Return on assets (ROA) | 0.0532% | 6,266 |
| Pretax return on assets | 0.0418% | 6,281 |
| Return on Equity (ROE) | 0.2515% | 6,323 |
| Retained earnings to average equity (ytd only) | 0.2515% | 5,707 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2677% | 820 |
| Assets per employee ($millions) | 4.7822% | 2,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5730% | 7,232 |
| Loan loss allowance to noncurrent loans | 50.8197% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 0.1739% | 6,724 |
| Noncurrent loans to loans | 1.1276% | 4,819 |
| Net loans and leases to total assets | 15.3371% | 7,472 |
| Net loans and leases to deposits | 19.5851% | 7,470 |
| Net loans and leases to core deposits | 19.8328% | 7,464 |
| Total domestic deposits to total assets | 78.3098% | 6,334 |
| Equity capital to assets | 21.1893% | 198 |
| Core capital (leverage) ratio | 21.0780% | 185 |
| Tier 1 risk-based capital ratio | 73.9086% | 74 |
| Total risk-based capital ratio | 74.2146% | 75 |
| Memoranda: | ||
| Average total assets | $105,304,000 | 4,856 |
| Average earning assets | $90,980,000 | 5,008 |
| Average equity | $22,263,000 | 2,840 |
| Average total loans | $16,917,000 | 7,001 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7309% | 7,293 |
| Cost of funding earning assets | 1.1431% | 4,888 |
| Net interest margin | 2.5877% | 7,215 |
| Noninterest income to average assets | 0.2168% | 6,257 |
| Noninterest expense to average assets | 2.3425% | 6,235 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.0845% | 5,626 |
| Return on assets (ROA) | 0.0845% | 5,761 |
| Pretax return on assets | 0.1220% | 5,661 |
| Return on Equity (ROE) | 0.4049% | 5,852 |
| Retained earnings to average equity (ytd only) | 0.4049% | 5,376 |
| Net charge-offs to loans | 0.1066% | 5,809 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 6.8421% | 2,258 |
| Efficiency ratio | 95.0495% | 1,008 |
| Assets per employee ($millions) | 4.7909% | 2,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5283% | 7,334 |
| Loan loss allowance to noncurrent loans | 50.8197% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 0.1736% | 6,799 |
| Noncurrent loans to loans | 1.0395% | 4,992 |
| Net loans and leases to total assets | 16.6150% | 7,548 |
| Net loans and leases to deposits | 21.1776% | 7,547 |
| Net loans and leases to core deposits | 21.5779% | 7,541 |
| Total domestic deposits to total assets | 78.4552% | 6,226 |
| Equity capital to assets | 21.0941% | 201 |
| Core capital (leverage) ratio | 21.0604% | 196 |
| Tier 1 risk-based capital ratio | 73.2830% | 72 |
| Total risk-based capital ratio | 73.5871% | 73 |
| Memoranda: | ||
| Average total assets | $106,554,800 | 4,813 |
| Average earning assets | $92,552,400 | 4,927 |
| Average equity | $22,226,200 | 2,855 |
| Average total loans | $17,826,200 | 7,037 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7990% | 7,401 |
| Cost of funding earning assets | 1.1586% | 5,096 |
| Net interest margin | 2.6403% | 7,282 |
| Noninterest income to average assets | 0.1547% | 6,753 |
| Noninterest expense to average assets | 2.4284% | 5,944 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.0437% | 5,897 |
| Return on assets (ROA) | 0.0437% | 6,029 |
| Pretax return on assets | 0.0212% | 6,060 |
| Return on Equity (ROE) | 0.2100% | 6,068 |
| Retained earnings to average equity (ytd only) | 0.2100% | 5,693 |
| Net charge-offs to loans | 0.1417% | 5,163 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 0.8950% | 5,160 |
| Efficiency ratio | 99.1340% | 770 |
| Assets per employee ($millions) | 5.0220% | 2,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5167% | 7,436 |
| Loan loss allowance to noncurrent loans | 50.8197% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 0.1735% | 6,925 |
| Noncurrent loans to loans | 1.0167% | 5,202 |
| Net loans and leases to total assets | 16.9788% | 7,647 |
| Net loans and leases to deposits | 21.6795% | 7,652 |
| Net loans and leases to core deposits | 22.1105% | 7,649 |
| Total domestic deposits to total assets | 78.3171% | 6,196 |
| Equity capital to assets | 21.1623% | 227 |
| Core capital (leverage) ratio | 20.9162% | 211 |
| Tier 1 risk-based capital ratio | 72.8432% | 74 |
| Total risk-based capital ratio | 73.1456% | 76 |
| Memoranda: | ||
| Average total assets | $106,843,750 | 4,865 |
| Average earning assets | $92,864,750 | 4,980 |
| Average equity | $22,224,500 | 2,897 |
| Average total loans | $17,881,500 | 7,125 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8812% | 7,443 |
| Cost of funding earning assets | 1.1845% | 5,210 |
| Net interest margin | 2.6967% | 7,261 |
| Noninterest income to average assets | 0.1491% | 6,822 |
| Noninterest expense to average assets | 2.4137% | 6,029 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.0801% | 5,921 |
| Return on assets (ROA) | 0.0801% | 6,027 |
| Pretax return on assets | 0.0820% | 6,014 |
| Return on Equity (ROE) | 0.3875% | 6,112 |
| Retained earnings to average equity (ytd only) | 0.3875% | 5,609 |
| Net charge-offs to loans | 0.2130% | 4,333 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 2.3158% | 3,840 |
| Efficiency ratio | 96.7140% | 930 |
| Assets per employee ($millions) | 5.0820% | 2,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5035% | 7,504 |
| Loan loss allowance to noncurrent loans | 37.5000% | 5,860 |
| Noncurrent assets plus other real estate owned to assets | 0.2324% | 6,814 |
| Noncurrent loans to loans | 1.3426% | 4,704 |
| Net loans and leases to total assets | 17.2215% | 7,714 |
| Net loans and leases to deposits | 21.9958% | 7,718 |
| Net loans and leases to core deposits | 22.2895% | 7,712 |
| Total domestic deposits to total assets | 78.2948% | 6,201 |
| Equity capital to assets | 20.8956% | 242 |
| Core capital (leverage) ratio | 20.6531% | 213 |
| Tier 1 risk-based capital ratio | 66.9879% | 92 |
| Total risk-based capital ratio | 67.2663% | 93 |
| Memoranda: | ||
| Average total assets | $107,304,670 | 4,881 |
| Average earning assets | $93,373,000 | 5,004 |
| Average equity | $22,193,330 | 2,902 |
| Average total loans | $17,842,330 | 7,182 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9162% | 7,515 |
| Cost of funding earning assets | 1.2037% | 5,390 |
| Net interest margin | 2.7125% | 7,283 |
| Noninterest income to average assets | 0.1747% | 6,717 |
| Noninterest expense to average assets | 2.4164% | 6,028 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1227% | 5,954 |
| Return on assets (ROA) | 0.1227% | 6,071 |
| Pretax return on assets | 0.1376% | 6,041 |
| Return on Equity (ROE) | 0.5962% | 6,238 |
| Retained earnings to average equity (ytd only) | 0.5962% | 5,587 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6143% | 1,102 |
| Assets per employee ($millions) | 5.1017% | 2,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6309% | 7,454 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 16.4651% | 7,819 |
| Net loans and leases to deposits | 20.9713% | 7,825 |
| Net loans and leases to core deposits | 21.2479% | 7,819 |
| Total domestic deposits to total assets | 78.5124% | 6,204 |
| Equity capital to assets | 20.6523% | 256 |
| Core capital (leverage) ratio | 20.4673% | 230 |
| Tier 1 risk-based capital ratio | 67.2521% | 90 |
| Total risk-based capital ratio | 67.5913% | 92 |
| Memoranda: | ||
| Average total assets | $107,596,500 | 4,940 |
| Average earning assets | $94,377,500 | 5,034 |
| Average equity | $22,140,000 | 2,927 |
| Average total loans | $17,527,500 | 7,282 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1009% | 7,651 |
| Cost of funding earning assets | 1.4390% | 5,768 |
| Net interest margin | 2.6619% | 7,260 |
| Noninterest income to average assets | 0.1516% | 6,976 |
| Noninterest expense to average assets | 2.2737% | 6,814 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.1968% | 4,910 |
| Return on assets (ROA) | 0.1968% | 4,978 |
| Pretax return on assets | 0.2551% | 4,883 |
| Return on Equity (ROE) | 0.9463% | 5,250 |
| Retained earnings to average equity (ytd only) | 0.9463% | 4,368 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9106% | 1,712 |
| Assets per employee ($millions) | 5.1456% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6473% | 7,479 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 15.9092% | 7,902 |
| Net loans and leases to deposits | 20.2318% | 7,909 |
| Net loans and leases to core deposits | 22.5468% | 7,910 |
| Total domestic deposits to total assets | 78.6344% | 6,084 |
| Equity capital to assets | 20.5021% | 272 |
| Core capital (leverage) ratio | 20.3591% | 261 |
| Tier 1 risk-based capital ratio | 56.9147% | 123 |
| Total risk-based capital ratio | 57.2014% | 124 |
| Memoranda: | ||
| Average total assets | $106,213,800 | 4,920 |
| Average earning assets | $94,856,200 | 4,981 |
| Average equity | $22,086,200 | 2,938 |
| Average total loans | $14,943,600 | 7,461 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1475% | 7,755 |
| Cost of funding earning assets | 1.4722% | 5,947 |
| Net interest margin | 2.6753% | 7,252 |
| Noninterest income to average assets | 0.1551% | 7,076 |
| Noninterest expense to average assets | 2.2530% | 6,827 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.2156% | 5,100 |
| Return on assets (ROA) | 0.2156% | 5,186 |
| Pretax return on assets | 0.2963% | 5,072 |
| Return on Equity (ROE) | 1.0331% | 5,484 |
| Retained earnings to average equity (ytd only) | 1.0331% | 4,736 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3778% | 1,830 |
| Assets per employee ($millions) | 4.9207% | 2,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7036% | 7,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 14.6015% | 7,993 |
| Net loans and leases to deposits | 18.5511% | 8,006 |
| Net loans and leases to core deposits | 20.7381% | 8,000 |
| Total domestic deposits to total assets | 78.7097% | 5,892 |
| Equity capital to assets | 20.4959% | 306 |
| Core capital (leverage) ratio | 20.4007% | 289 |
| Tier 1 risk-based capital ratio | 57.3196% | 128 |
| Total risk-based capital ratio | 57.6082% | 128 |
| Memoranda: | ||
| Average total assets | $105,753,000 | 4,962 |
| Average earning assets | $94,642,250 | 5,018 |
| Average equity | $22,069,250 | 2,969 |
| Average total loans | $14,353,750 | 7,549 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1797% | 7,838 |
| Cost of funding earning assets | 1.4972% | 6,150 |
| Net interest margin | 2.6826% | 7,240 |
| Noninterest income to average assets | 0.1601% | 7,128 |
| Noninterest expense to average assets | 2.2436% | 6,938 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2364% | 5,139 |
| Return on assets (ROA) | 0.2364% | 5,226 |
| Pretax return on assets | 0.3279% | 5,138 |
| Return on Equity (ROE) | 1.1258% | 5,601 |
| Retained earnings to average equity (ytd only) | 1.1258% | 4,707 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2498% | 2,102 |
| Assets per employee ($millions) | 4.8484% | 2,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7838% | 7,203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 13.2911% | 8,090 |
| Net loans and leases to deposits | 16.9094% | 8,097 |
| Net loans and leases to core deposits | 18.8171% | 8,095 |
| Total domestic deposits to total assets | 78.6022% | 5,924 |
| Equity capital to assets | 20.6225% | 346 |
| Core capital (leverage) ratio | 20.7896% | 323 |
| Tier 1 risk-based capital ratio | 59.0192% | 141 |
| Total risk-based capital ratio | 59.3190% | 141 |
| Memoranda: | ||
| Average total assets | $104,918,670 | 5,018 |
| Average earning assets | $94,312,000 | 5,060 |
| Average equity | $22,029,670 | 2,968 |
| Average total loans | $13,832,000 | 7,657 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2293% | 7,894 |
| Cost of funding earning assets | 1.5414% | 6,274 |
| Net interest margin | 2.6879% | 7,228 |
| Noninterest income to average assets | 0.1076% | 7,494 |
| Noninterest expense to average assets | 2.1760% | 6,930 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2614% | 5,431 |
| Return on assets (ROA) | 0.2614% | 5,601 |
| Pretax return on assets | 0.3652% | 5,498 |
| Return on Equity (ROE) | 1.2338% | 6,061 |
| Retained earnings to average equity (ytd only) | 1.2338% | 5,147 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6278% | 2,120 |
| Assets per employee ($millions) | 4.7588% | 2,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8181% | 7,088 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 12.9702% | 8,148 |
| Net loans and leases to deposits | 16.5848% | 8,155 |
| Net loans and leases to core deposits | 18.3401% | 8,151 |
| Total domestic deposits to total assets | 78.2051% | 5,941 |
| Equity capital to assets | 21.0174% | 365 |
| Core capital (leverage) ratio | 21.0151% | 351 |
| Tier 1 risk-based capital ratio | 60.6317% | 138 |
| Total risk-based capital ratio | 60.9396% | 139 |
| Memoranda: | ||
| Average total assets | $104,045,500 | 5,065 |
| Average earning assets | $94,200,000 | 5,083 |
| Average equity | $22,046,000 | 2,969 |
| Average total loans | $13,603,500 | 7,715 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4548% | 8,042 |
| Cost of funding earning assets | 1.9442% | 6,599 |
| Net interest margin | 2.5107% | 7,742 |
| Noninterest income to average assets | 0.1116% | 7,572 |
| Noninterest expense to average assets | 2.2100% | 6,940 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.2098% | 5,818 |
| Return on assets (ROA) | 0.2098% | 5,640 |
| Pretax return on assets | 0.2814% | 5,547 |
| Return on Equity (ROE) | 0.9730% | 5,926 |
| Retained earnings to average equity (ytd only) | 0.9730% | 4,652 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7060% | 1,614 |
| Assets per employee ($millions) | 4.6999% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8286% | 6,984 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 12.9636% | 8,203 |
| Net loans and leases to deposits | 16.6520% | 8,204 |
| Net loans and leases to core deposits | 18.3085% | 8,207 |
| Total domestic deposits to total assets | 77.8504% | 5,763 |
| Equity capital to assets | 21.3623% | 383 |
| Core capital (leverage) ratio | 21.1030% | 367 |
| Tier 1 risk-based capital ratio | 59.0510% | 159 |
| Total risk-based capital ratio | 59.3497% | 159 |
| Memoranda: | ||
| Average total assets | $104,844,000 | 4,905 |
| Average earning assets | $99,375,000 | 4,822 |
| Average equity | $22,610,400 | 2,890 |
| Average total loans | $13,310,800 | 7,751 |