Home > Security State Bank of Lewiston > Performance and Condition Ratios
Security State Bank of Lewiston, Performance and Condition Ratios
| 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 | 4.1134% | 3,405 |
| Cost of funding earning assets | 0.1417% | 5,278 |
| Net interest margin | 3.9717% | 1,955 |
| Noninterest income to average assets | 0.3024% | 4,155 |
| Noninterest expense to average assets | 3.3295% | 1,251 |
| Loan and lease loss provision to assets | 0.0148% | 3,580 |
| Net operating income to assets | 0.6137% | 4,455 |
| Return on assets (ROA) | 0.6137% | 4,462 |
| Pretax return on assets | 0.6137% | 4,718 |
| Return on Equity (ROE) | 7.2836% | 3,800 |
| Retained earnings to average equity (ytd only) | 7.2836% | 1,932 |
| Net charge-offs to loans | 0.0350% | 2,151 |
| Credit loss provision to net charge-offs | 71.4286% | 2,331 |
| Earnings coverage of net charge-offs (x) | 30.2857% | 1,498 |
| Efficiency ratio | 84.1199% | 680 |
| Assets per employee ($millions) | 2.6762% | 5,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4148% | 5,346 |
| Loan loss allowance to noncurrent loans | 96.0894% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 0.4155% | 3,061 |
| Noncurrent loans to loans | 0.4317% | 3,150 |
| Net loans and leases to total assets | 61.7209% | 3,634 |
| Net loans and leases to deposits | 68.3228% | 3,997 |
| Net loans and leases to core deposits | 68.3228% | 4,236 |
| Total domestic deposits to total assets | 90.3372% | 456 |
| Equity capital to assets | 8.6031% | 4,871 |
| Core capital (leverage) ratio | 8.9621% | 4,721 |
| Tier 1 risk-based capital ratio | 14.0893% | 3,317 |
| Total risk-based capital ratio | 14.4874% | 3,690 |
| Memoranda: | ||
| Average total assets | $67,457,000 | 4,731 |
| Average earning assets | $62,090,000 | 4,727 |
| Average equity | $5,684,000 | 5,054 |
| Average total loans | $40,054,330 | 4,639 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0766% | 3,316 |
| Cost of funding earning assets | 0.1286% | 5,358 |
| Net interest margin | 3.9480% | 1,871 |
| Noninterest income to average assets | 0.3130% | 4,059 |
| Noninterest expense to average assets | 3.2953% | 1,359 |
| Loan and lease loss provision to assets | 0.0177% | 3,305 |
| Net operating income to assets | 0.6260% | 4,352 |
| Return on assets (ROA) | 0.6260% | 4,363 |
| Pretax return on assets | 0.6260% | 4,626 |
| Return on Equity (ROE) | 7.5071% | 3,584 |
| Retained earnings to average equity (ytd only) | 7.5071% | 2,042 |
| Net charge-offs to loans | 0.0102% | 2,383 |
| Credit loss provision to net charge-offs | 300.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 109.0000% | 573 |
| Efficiency ratio | 83.6582% | 825 |
| Assets per employee ($millions) | 2.7300% | 5,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4407% | 5,396 |
| Loan loss allowance to noncurrent loans | 255.0725% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.4659% | 2,984 |
| Noncurrent loans to loans | 0.1728% | 4,202 |
| Net loans and leases to total assets | 58.2585% | 3,918 |
| Net loans and leases to deposits | 64.0703% | 4,206 |
| Net loans and leases to core deposits | 65.4928% | 4,346 |
| Total domestic deposits to total assets | 90.9291% | 340 |
| Equity capital to assets | 8.2929% | 5,110 |
| Core capital (leverage) ratio | 8.8715% | 4,827 |
| Tier 1 risk-based capital ratio | 13.7934% | 3,500 |
| Total risk-based capital ratio | 14.1991% | 3,871 |
| Memoranda: | ||
| Average total assets | $67,732,500 | 4,778 |
| Average earning assets | $62,209,000 | 4,786 |
| Average equity | $5,648,000 | 5,112 |
| Average total loans | $39,348,000 | 4,708 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8098% | 4,013 |
| Cost of funding earning assets | 0.1208% | 5,407 |
| Net interest margin | 3.6891% | 2,837 |
| Noninterest income to average assets | 0.3425% | 4,017 |
| Noninterest expense to average assets | 3.2088% | 1,588 |
| Loan and lease loss provision to assets | 0.0151% | 3,990 |
| Net operating income to assets | 0.4827% | 4,415 |
| Return on assets (ROA) | 0.4812% | 4,455 |
| Pretax return on assets | 0.4812% | 4,954 |
| Return on Equity (ROE) | 5.7888% | 3,842 |
| Retained earnings to average equity (ytd only) | 5.7888% | 1,664 |
| Net charge-offs to loans | 0.0291% | 3,226 |
| Credit loss provision to net charge-offs | 90.9091% | 2,765 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 1,547 |
| Efficiency ratio | 86.5690% | 609 |
| Assets per employee ($millions) | 2.6886% | 5,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4489% | 5,450 |
| Loan loss allowance to noncurrent loans | 53.3742% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 0.8540% | 1,824 |
| Noncurrent loans to loans | 0.8411% | 2,117 |
| Net loans and leases to total assets | 57.4047% | 4,069 |
| Net loans and leases to deposits | 63.1562% | 4,370 |
| Net loans and leases to core deposits | 64.9267% | 4,477 |
| Total domestic deposits to total assets | 90.8933% | 269 |
| Equity capital to assets | 8.3852% | 5,197 |
| Core capital (leverage) ratio | 8.7857% | 4,874 |
| Tier 1 risk-based capital ratio | 13.8186% | 3,462 |
| Total risk-based capital ratio | 14.2276% | 3,818 |
| Memoranda: | ||
| Average total assets | $66,287,000 | 4,840 |
| Average earning assets | $60,448,600 | 4,844 |
| Average equity | $5,510,600 | 5,182 |
| Average total loans | $37,845,800 | 4,796 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7494% | 4,184 |
| Cost of funding earning assets | 0.1130% | 5,506 |
| Net interest margin | 3.6364% | 3,012 |
| Noninterest income to average assets | 0.3209% | 4,240 |
| Noninterest expense to average assets | 3.1912% | 1,577 |
| Loan and lease loss provision to assets | 0.0141% | 3,867 |
| Net operating income to assets | 0.4279% | 4,936 |
| Return on assets (ROA) | 0.4259% | 4,971 |
| Pretax return on assets | 0.4259% | 5,144 |
| Return on Equity (ROE) | 5.1345% | 4,479 |
| Retained earnings to average equity (ytd only) | 5.1345% | 2,788 |
| Net charge-offs to loans | 0.0319% | 2,794 |
| Credit loss provision to net charge-offs | 77.7778% | 2,615 |
| Earnings coverage of net charge-offs (x) | 24.3325% | 1,776 |
| Efficiency ratio | 87.8333% | 519 |
| Assets per employee ($millions) | 2.8915% | 5,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4440% | 5,525 |
| Loan loss allowance to noncurrent loans | 35.0913% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 1.1007% | 1,510 |
| Noncurrent loans to loans | 1.2654% | 1,514 |
| Net loans and leases to total assets | 58.3234% | 4,027 |
| Net loans and leases to deposits | 64.1792% | 4,366 |
| Net loans and leases to core deposits | 65.9391% | 4,484 |
| Total domestic deposits to total assets | 90.8759% | 216 |
| Equity capital to assets | 8.4866% | 5,294 |
| Core capital (leverage) ratio | 8.6877% | 5,075 |
| Tier 1 risk-based capital ratio | 13.4287% | 3,746 |
| Total risk-based capital ratio | 13.8313% | 4,175 |
| Memoranda: | ||
| Average total assets | $66,055,250 | 4,896 |
| Average earning assets | $60,168,500 | 4,908 |
| Average equity | $5,479,250 | 5,245 |
| Average total loans | $37,617,750 | 4,852 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6796% | 4,287 |
| Cost of funding earning assets | 0.1036% | 5,590 |
| Net interest margin | 3.5760% | 3,122 |
| Noninterest income to average assets | 0.3247% | 4,227 |
| Noninterest expense to average assets | 3.1651% | 1,668 |
| Loan and lease loss provision to assets | 0.0182% | 3,604 |
| Net operating income to assets | 0.3884% | 5,001 |
| Return on assets (ROA) | 0.3854% | 5,037 |
| Pretax return on assets | 0.3854% | 5,199 |
| Return on Equity (ROE) | 4.6826% | 4,607 |
| Retained earnings to average equity (ytd only) | 4.6826% | 2,925 |
| Net charge-offs to loans | 0.0323% | 2,552 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 22.3333% | 1,714 |
| Efficiency ratio | 88.6151% | 520 |
| Assets per employee ($millions) | 3.0382% | 5,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4587% | 5,559 |
| Loan loss allowance to noncurrent loans | 36.9198% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 1.0143% | 1,726 |
| Noncurrent loans to loans | 1.2425% | 1,560 |
| Net loans and leases to total assets | 56.8109% | 4,143 |
| Net loans and leases to deposits | 62.3817% | 4,476 |
| Net loans and leases to core deposits | 63.4915% | 4,642 |
| Total domestic deposits to total assets | 91.0699% | 207 |
| Equity capital to assets | 8.3347% | 5,394 |
| Core capital (leverage) ratio | 8.9493% | 4,779 |
| Tier 1 risk-based capital ratio | 13.5142% | 3,698 |
| Total risk-based capital ratio | 13.9289% | 4,107 |
| Memoranda: | ||
| Average total assets | $65,905,330 | 4,933 |
| Average earning assets | $59,844,000 | 4,953 |
| Average equity | $5,424,330 | 5,286 |
| Average total loans | $37,170,000 | 4,893 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7348% | 3,989 |
| Cost of funding earning assets | 0.1015% | 5,644 |
| Net interest margin | 3.6333% | 2,762 |
| Noninterest income to average assets | 0.3484% | 4,055 |
| Noninterest expense to average assets | 3.1908% | 1,637 |
| Loan and lease loss provision to assets | 0.0183% | 3,332 |
| Net operating income to assets | 0.4218% | 4,888 |
| Return on assets (ROA) | 0.4218% | 4,908 |
| Pretax return on assets | 0.4218% | 5,120 |
| Return on Equity (ROE) | 5.1579% | 4,317 |
| Retained earnings to average equity (ytd only) | 5.1579% | 2,803 |
| Net charge-offs to loans | 0.0872% | 1,472 |
| Credit loss provision to net charge-offs | 37.5000% | 2,077 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,020 |
| Efficiency ratio | 87.8788% | 667 |
| Assets per employee ($millions) | 2.8811% | 5,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4745% | 5,617 |
| Loan loss allowance to noncurrent loans | 74.5614% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 0.7241% | 2,483 |
| Noncurrent loans to loans | 0.6364% | 2,921 |
| Net loans and leases to total assets | 56.2562% | 4,144 |
| Net loans and leases to deposits | 61.9514% | 4,438 |
| Net loans and leases to core deposits | 62.3773% | 4,627 |
| Total domestic deposits to total assets | 90.8070% | 359 |
| Equity capital to assets | 8.5620% | 5,193 |
| Core capital (leverage) ratio | 8.7628% | 4,990 |
| Tier 1 risk-based capital ratio | 13.8158% | 3,593 |
| Total risk-based capital ratio | 14.2319% | 3,988 |
| Memoranda: | ||
| Average total assets | $65,437,500 | 4,995 |
| Average earning assets | $59,120,000 | 5,024 |
| Average equity | $5,351,000 | 5,350 |
| Average total loans | $36,681,000 | 4,952 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5923% | 4,530 |
| Cost of funding earning assets | 0.1084% | 5,663 |
| Net interest margin | 3.4839% | 3,496 |
| Noninterest income to average assets | 0.3669% | 4,122 |
| Noninterest expense to average assets | 3.2294% | 1,727 |
| Loan and lease loss provision to assets | 0.0185% | 4,005 |
| Net operating income to assets | 0.2898% | 5,243 |
| Return on assets (ROA) | 0.2898% | 5,314 |
| Pretax return on assets | 0.2898% | 5,374 |
| Return on Equity (ROE) | 3.4704% | 5,020 |
| Retained earnings to average equity (ytd only) | 3.4704% | 3,457 |
| Net charge-offs to loans | 0.0546% | 2,946 |
| Credit loss provision to net charge-offs | 60.0000% | 3,246 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,698 |
| Efficiency ratio | 91.2854% | 494 |
| Assets per employee ($millions) | 2.8121% | 5,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4662% | 5,685 |
| Loan loss allowance to noncurrent loans | 22.7273% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 1.3513% | 1,282 |
| Noncurrent loans to loans | 2.0515% | 870 |
| Net loans and leases to total assets | 55.3549% | 4,321 |
| Net loans and leases to deposits | 60.3889% | 4,644 |
| Net loans and leases to core deposits | 60.7750% | 4,826 |
| Total domestic deposits to total assets | 91.6640% | 142 |
| Equity capital to assets | 7.8160% | 5,632 |
| Core capital (leverage) ratio | 8.5896% | 5,178 |
| Tier 1 risk-based capital ratio | 12.3270% | 4,488 |
| Total risk-based capital ratio | 12.7138% | 4,982 |
| Memoranda: | ||
| Average total assets | $64,873,400 | 5,030 |
| Average earning assets | $59,043,600 | 5,047 |
| Average equity | $5,417,200 | 5,389 |
| Average total loans | $36,612,800 | 5,000 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5688% | 4,640 |
| Cost of funding earning assets | 0.1066% | 5,744 |
| Net interest margin | 3.4621% | 3,619 |
| Noninterest income to average assets | 0.3426% | 4,334 |
| Noninterest expense to average assets | 3.2720% | 1,627 |
| Loan and lease loss provision to assets | 0.0187% | 3,875 |
| Net operating income to assets | 0.2201% | 5,434 |
| Return on assets (ROA) | 0.2201% | 5,497 |
| Pretax return on assets | 0.2201% | 5,542 |
| Return on Equity (ROE) | 2.5919% | 5,333 |
| Retained earnings to average equity (ytd only) | 2.5919% | 4,358 |
| Net charge-offs to loans | -0.0366% | 5,243 |
| Credit loss provision to net charge-offs | -90.0000% | 4,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1993% | 420 |
| Assets per employee ($millions) | 2.6504% | 5,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5416% | 5,682 |
| Loan loss allowance to noncurrent loans | 27.4830% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 1.3504% | 1,395 |
| Noncurrent loans to loans | 1.9707% | 1,008 |
| Net loans and leases to total assets | 58.3172% | 4,067 |
| Net loans and leases to deposits | 64.2839% | 4,464 |
| Net loans and leases to core deposits | 64.7247% | 4,688 |
| Total domestic deposits to total assets | 90.7183% | 268 |
| Equity capital to assets | 8.7110% | 5,389 |
| Core capital (leverage) ratio | 8.7873% | 5,065 |
| Tier 1 risk-based capital ratio | 12.5604% | 4,435 |
| Total risk-based capital ratio | 13.0182% | 4,838 |
| Memoranda: | ||
| Average total assets | $64,219,250 | 5,091 |
| Average earning assets | $58,767,750 | 5,096 |
| Average equity | $5,452,750 | 5,437 |
| Average total loans | $36,382,500 | 5,049 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4949% | 4,879 |
| Cost of funding earning assets | 0.1086% | 5,819 |
| Net interest margin | 3.3864% | 3,943 |
| Noninterest income to average assets | 0.3073% | 4,586 |
| Noninterest expense to average assets | 3.3249% | 1,543 |
| Loan and lease loss provision to assets | 0.0186% | 3,761 |
| Net operating income to assets | 0.0621% | 5,710 |
| Return on assets (ROA) | 0.0621% | 5,745 |
| Pretax return on assets | 0.0621% | 5,751 |
| Return on Equity (ROE) | 0.7376% | 5,722 |
| Retained earnings to average equity (ytd only) | 0.7376% | 5,081 |
| Net charge-offs to loans | -0.0554% | 5,411 |
| Credit loss provision to net charge-offs | -60.0000% | 4,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6299% | 295 |
| Assets per employee ($millions) | 2.6445% | 5,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5383% | 5,758 |
| Loan loss allowance to noncurrent loans | 104.7368% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 0.4995% | 3,541 |
| Noncurrent loans to loans | 0.5139% | 3,544 |
| Net loans and leases to total assets | 57.9347% | 4,123 |
| Net loans and leases to deposits | 63.7859% | 4,507 |
| Net loans and leases to core deposits | 64.2237% | 4,734 |
| Total domestic deposits to total assets | 90.8269% | 224 |
| Equity capital to assets | 8.6437% | 5,516 |
| Core capital (leverage) ratio | 8.5694% | 5,299 |
| Tier 1 risk-based capital ratio | 12.5017% | 4,520 |
| Total risk-based capital ratio | 12.9617% | 4,918 |
| Memoranda: | ||
| Average total assets | $64,422,670 | 5,136 |
| Average earning assets | $58,942,330 | 5,141 |
| Average equity | $5,423,330 | 5,492 |
| Average total loans | $36,077,670 | 5,104 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4140% | 5,094 |
| Cost of funding earning assets | 0.1149% | 5,846 |
| Net interest margin | 3.2991% | 4,220 |
| Noninterest income to average assets | 0.3020% | 4,566 |
| Noninterest expense to average assets | 3.4576% | 1,268 |
| Loan and lease loss provision to assets | 0.0185% | 3,448 |
| Net operating income to assets | -0.1664% | 5,871 |
| Return on assets (ROA) | -0.1664% | 5,887 |
| Pretax return on assets | -0.1664% | 5,885 |
| Return on Equity (ROE) | -2.0030% | 5,908 |
| Retained earnings to average equity (ytd only) | -2.0030% | 5,385 |
| Net charge-offs to loans | -0.1123% | 5,685 |
| Credit loss provision to net charge-offs | -30.0000% | 4,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.4693% | 207 |
| Assets per employee ($millions) | 2.6416% | 5,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5603% | 5,804 |
| Loan loss allowance to noncurrent loans | 28.0000% | 5,326 |
| Noncurrent assets plus other real estate owned to assets | 1.3092% | 1,637 |
| Noncurrent loans to loans | 2.0009% | 1,076 |
| Net loans and leases to total assets | 54.8715% | 4,367 |
| Net loans and leases to deposits | 60.3351% | 4,694 |
| Net loans and leases to core deposits | 60.7491% | 4,891 |
| Total domestic deposits to total assets | 90.9447% | 291 |
| Equity capital to assets | 8.5064% | 5,559 |
| Core capital (leverage) ratio | 8.4404% | 5,449 |
| Tier 1 risk-based capital ratio | 12.7757% | 4,414 |
| Total risk-based capital ratio | 13.2400% | 4,840 |
| Memoranda: | ||
| Average total assets | $64,900,000 | 5,184 |
| Average earning assets | $59,167,500 | 5,179 |
| Average equity | $5,392,000 | 5,532 |
| Average total loans | $35,632,000 | 5,157 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4316% | 5,094 |
| Cost of funding earning assets | 0.1106% | 5,923 |
| Net interest margin | 3.3210% | 4,209 |
| Noninterest income to average assets | 0.3533% | 4,379 |
| Noninterest expense to average assets | 3.1576% | 2,070 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2200% | 5,534 |
| Return on assets (ROA) | 0.2200% | 5,598 |
| Pretax return on assets | 0.2200% | 5,662 |
| Return on Equity (ROE) | 2.6687% | 5,406 |
| Retained earnings to average equity (ytd only) | 2.6687% | 4,172 |
| Net charge-offs to loans | -0.0258% | 5,348 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4862% | 506 |
| Assets per employee ($millions) | 2.6560% | 5,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5044% | 5,916 |
| Loan loss allowance to noncurrent loans | 269.1176% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.3072% | 4,373 |
| Noncurrent loans to loans | 0.1874% | 4,737 |
| Net loans and leases to total assets | 54.3621% | 4,469 |
| Net loans and leases to deposits | 59.4943% | 4,803 |
| Net loans and leases to core deposits | 59.8822% | 4,986 |
| Total domestic deposits to total assets | 91.3736% | 199 |
| Equity capital to assets | 8.1189% | 5,801 |
| Core capital (leverage) ratio | 8.2403% | 5,654 |
| Tier 1 risk-based capital ratio | 12.2534% | 4,794 |
| Total risk-based capital ratio | 12.6693% | 5,200 |
| Memoranda: | ||
| Average total assets | $64,541,800 | 5,210 |
| Average earning assets | $58,777,400 | 5,219 |
| Average equity | $5,321,000 | 5,580 |
| Average total loans | $34,940,800 | 5,195 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4085% | 5,185 |
| Cost of funding earning assets | 0.1094% | 6,021 |
| Net interest margin | 3.2991% | 4,343 |
| Noninterest income to average assets | 0.3412% | 4,501 |
| Noninterest expense to average assets | 3.1711% | 2,047 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1810% | 5,711 |
| Return on assets (ROA) | 0.1810% | 5,765 |
| Pretax return on assets | 0.1810% | 5,811 |
| Return on Equity (ROE) | 2.1872% | 5,631 |
| Retained earnings to average equity (ytd only) | 2.1872% | 4,793 |
| Net charge-offs to loans | -0.0385% | 5,451 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5996% | 466 |
| Assets per employee ($millions) | 2.7616% | 5,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5081% | 6,013 |
| Loan loss allowance to noncurrent loans | 202.1978% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.3102% | 4,522 |
| Noncurrent loans to loans | 0.2513% | 4,674 |
| Net loans and leases to total assets | 56.7196% | 4,278 |
| Net loans and leases to deposits | 62.3665% | 4,694 |
| Net loans and leases to core deposits | 62.7937% | 4,880 |
| Total domestic deposits to total assets | 90.9456% | 255 |
| Equity capital to assets | 8.4530% | 5,733 |
| Core capital (leverage) ratio | 8.2964% | 5,721 |
| Tier 1 risk-based capital ratio | 12.2706% | 4,907 |
| Total risk-based capital ratio | 12.6911% | 5,326 |
| Memoranda: | ||
| Average total assets | $64,077,000 | 5,284 |
| Average earning assets | $58,479,250 | 5,294 |
| Average equity | $5,303,500 | 5,650 |
| Average total loans | $34,606,000 | 5,260 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3551% | 5,324 |
| Cost of funding earning assets | 0.1096% | 6,094 |
| Net interest margin | 3.2456% | 4,517 |
| Noninterest income to average assets | 0.3361% | 4,555 |
| Noninterest expense to average assets | 3.2024% | 1,976 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0840% | 5,897 |
| Return on assets (ROA) | 0.0840% | 5,942 |
| Pretax return on assets | 0.0840% | 5,948 |
| Return on Equity (ROE) | 1.0224% | 5,898 |
| Retained earnings to average equity (ytd only) | 1.0224% | 5,160 |
| Net charge-offs to loans | -0.0587% | 5,605 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4432% | 394 |
| Assets per employee ($millions) | 2.7753% | 5,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5394% | 6,053 |
| Loan loss allowance to noncurrent loans | 107.6023% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 0.4355% | 4,182 |
| Noncurrent loans to loans | 0.5012% | 3,957 |
| Net loans and leases to total assets | 53.1567% | 4,641 |
| Net loans and leases to deposits | 58.3257% | 4,970 |
| Net loans and leases to core deposits | 59.0351% | 5,131 |
| Total domestic deposits to total assets | 91.1377% | 270 |
| Equity capital to assets | 8.2983% | 5,834 |
| Core capital (leverage) ratio | 8.2422% | 5,752 |
| Tier 1 risk-based capital ratio | 12.5432% | 4,778 |
| Total risk-based capital ratio | 12.9789% | 5,239 |
| Memoranda: | ||
| Average total assets | $64,264,000 | 5,338 |
| Average earning assets | $58,418,330 | 5,355 |
| Average equity | $5,281,670 | 5,710 |
| Average total loans | $34,071,330 | 5,323 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4065% | 5,189 |
| Cost of funding earning assets | 0.1097% | 6,162 |
| Net interest margin | 3.2968% | 4,233 |
| Noninterest income to average assets | 0.3226% | 4,608 |
| Noninterest expense to average assets | 3.1638% | 2,082 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1427% | 5,805 |
| Return on assets (ROA) | 0.1427% | 5,875 |
| Pretax return on assets | 0.1427% | 5,906 |
| Return on Equity (ROE) | 1.7444% | 5,743 |
| Retained earnings to average equity (ytd only) | 1.7444% | 4,775 |
| Net charge-offs to loans | -0.1410% | 5,961 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6848% | 517 |
| Assets per employee ($millions) | 2.9230% | 5,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5586% | 6,110 |
| Loan loss allowance to noncurrent loans | 269.5652% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.2597% | 4,906 |
| Noncurrent loans to loans | 0.2072% | 5,037 |
| Net loans and leases to total assets | 51.4936% | 4,706 |
| Net loans and leases to deposits | 56.4835% | 5,020 |
| Net loans and leases to core deposits | 57.0911% | 5,182 |
| Total domestic deposits to total assets | 91.1658% | 302 |
| Equity capital to assets | 8.2619% | 5,895 |
| Core capital (leverage) ratio | 8.1747% | 5,829 |
| Tier 1 risk-based capital ratio | 13.7828% | 4,158 |
| Total risk-based capital ratio | 14.2653% | 4,513 |
| Memoranda: | ||
| Average total assets | $64,480,000 | 5,383 |
| Average earning assets | $58,359,500 | 5,404 |
| Average equity | $5,274,000 | 5,765 |
| Average total loans | $34,049,500 | 5,371 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3501% | 5,622 |
| Cost of funding earning assets | 0.1264% | 6,217 |
| Net interest margin | 3.2237% | 4,847 |
| Noninterest income to average assets | 0.6820% | 2,384 |
| Noninterest expense to average assets | 3.2853% | 1,963 |
| Loan and lease loss provision to assets | -0.2309% | 6,321 |
| Net operating income to assets | 0.5327% | 4,670 |
| Return on assets (ROA) | 0.5327% | 4,757 |
| Pretax return on assets | 0.5327% | 5,161 |
| Return on Equity (ROE) | 6.8572% | 3,714 |
| Retained earnings to average equity (ytd only) | 6.8572% | 1,470 |
| Net charge-offs to loans | -0.2659% | 6,315 |
| Credit loss provision to net charge-offs | 172.4138% | 1,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5880% | 735 |
| Assets per employee ($millions) | 2.9388% | 5,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5000% | 6,259 |
| Loan loss allowance to noncurrent loans | 248.5714% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.2598% | 4,990 |
| Noncurrent loans to loans | 0.2012% | 5,101 |
| Net loans and leases to total assets | 53.5551% | 4,630 |
| Net loans and leases to deposits | 58.6238% | 5,014 |
| Net loans and leases to core deposits | 59.2488% | 5,189 |
| Total domestic deposits to total assets | 91.3538% | 258 |
| Equity capital to assets | 8.0971% | 6,009 |
| Core capital (leverage) ratio | 8.2253% | 5,840 |
| Tier 1 risk-based capital ratio | 12.5894% | 4,982 |
| Total risk-based capital ratio | 13.0070% | 5,425 |
| Memoranda: | ||
| Average total assets | $64,956,600 | 5,421 |
| Average earning assets | $58,535,800 | 5,443 |
| Average equity | $5,045,800 | 5,847 |
| Average total loans | $32,721,400 | 5,460 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3061% | 5,758 |
| Cost of funding earning assets | 0.1247% | 6,313 |
| Net interest margin | 3.1814% | 5,024 |
| Noninterest income to average assets | 0.7729% | 2,003 |
| Noninterest expense to average assets | 3.2024% | 2,171 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4469% | 5,084 |
| Return on assets (ROA) | 0.4469% | 5,163 |
| Pretax return on assets | 0.4469% | 5,475 |
| Return on Equity (ROE) | 5.8149% | 4,331 |
| Retained earnings to average equity (ytd only) | 5.8149% | 2,524 |
| Net charge-offs to loans | 0.1491% | 2,296 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 6.0554% | 3,146 |
| Efficiency ratio | 87.7528% | 1,023 |
| Assets per employee ($millions) | 2.8982% | 5,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5904% | 6,236 |
| Loan loss allowance to noncurrent loans | 121.8182% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 5,052 |
| Noncurrent loans to loans | 0.4847% | 4,454 |
| Net loans and leases to total assets | 53.0787% | 4,685 |
| Net loans and leases to deposits | 58.6961% | 5,048 |
| Net loans and leases to core deposits | 59.3362% | 5,237 |
| Total domestic deposits to total assets | 90.4297% | 558 |
| Equity capital to assets | 8.0144% | 6,126 |
| Core capital (leverage) ratio | 7.8396% | 6,163 |
| Tier 1 risk-based capital ratio | 12.4022% | 5,226 |
| Total risk-based capital ratio | 12.8892% | 5,630 |
| Memoranda: | ||
| Average total assets | $65,032,500 | 5,482 |
| Average earning assets | $58,799,000 | 5,492 |
| Average equity | $4,998,500 | 5,914 |
| Average total loans | $32,202,000 | 5,532 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2320% | 5,904 |
| Cost of funding earning assets | 0.1252% | 6,385 |
| Net interest margin | 3.1068% | 5,232 |
| Noninterest income to average assets | 0.9839% | 1,248 |
| Noninterest expense to average assets | 3.1624% | 2,301 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6264% | 4,211 |
| Return on assets (ROA) | 0.6264% | 4,310 |
| Pretax return on assets | 0.6264% | 4,866 |
| Return on Equity (ROE) | 8.2639% | 2,952 |
| Retained earnings to average equity (ytd only) | 8.2639% | 1,230 |
| Net charge-offs to loans | 0.0950% | 2,719 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 13.6667% | 1,963 |
| Efficiency ratio | 83.4677% | 1,575 |
| Assets per employee ($millions) | 2.8523% | 5,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6783% | 6,206 |
| Loan loss allowance to noncurrent loans | 94.8718% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 4,816 |
| Noncurrent loans to loans | 0.7150% | 3,915 |
| Net loans and leases to total assets | 49.5503% | 5,008 |
| Net loans and leases to deposits | 54.0909% | 5,349 |
| Net loans and leases to core deposits | 54.6557% | 5,510 |
| Total domestic deposits to total assets | 91.6057% | 235 |
| Equity capital to assets | 7.8105% | 6,249 |
| Core capital (leverage) ratio | 7.7897% | 6,212 |
| Tier 1 risk-based capital ratio | 12.4373% | 5,274 |
| Total risk-based capital ratio | 12.9780% | 5,623 |
| Memoranda: | ||
| Average total assets | $65,456,670 | 5,519 |
| Average earning assets | $59,096,000 | 5,529 |
| Average equity | $4,961,330 | 5,963 |
| Average total loans | $31,588,000 | 5,600 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2777% | 5,889 |
| Cost of funding earning assets | 0.1227% | 6,485 |
| Net interest margin | 3.1550% | 5,073 |
| Noninterest income to average assets | 0.4221% | 4,013 |
| Noninterest expense to average assets | 3.2302% | 2,128 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0245% | 6,177 |
| Return on assets (ROA) | 0.0245% | 6,194 |
| Pretax return on assets | 0.0245% | 6,187 |
| Return on Equity (ROE) | 0.3279% | 6,172 |
| Retained earnings to average equity (ytd only) | 0.3279% | 5,436 |
| Net charge-offs to loans | -0.0129% | 5,144 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2481% | 493 |
| Assets per employee ($millions) | 2.8423% | 6,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7783% | 6,148 |
| Loan loss allowance to noncurrent loans | 1,034.7826% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 5,955 |
| Noncurrent loans to loans | 0.0752% | 5,913 |
| Net loans and leases to total assets | 46.4113% | 5,288 |
| Net loans and leases to deposits | 50.4859% | 5,558 |
| Net loans and leases to core deposits | 51.0130% | 5,686 |
| Total domestic deposits to total assets | 91.9293% | 260 |
| Equity capital to assets | 7.4696% | 6,324 |
| Core capital (leverage) ratio | 7.3535% | 6,385 |
| Tier 1 risk-based capital ratio | 12.0953% | 5,570 |
| Total risk-based capital ratio | 12.6822% | 5,904 |
| Memoranda: | ||
| Average total assets | $65,383,000 | 5,580 |
| Average earning assets | $58,700,500 | 5,597 |
| Average equity | $4,880,000 | 6,023 |
| Average total loans | $31,017,500 | 5,674 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2747% | 6,040 |
| Cost of funding earning assets | 0.1512% | 6,535 |
| Net interest margin | 3.1235% | 5,247 |
| Noninterest income to average assets | 0.5044% | 3,723 |
| Noninterest expense to average assets | 3.6419% | 1,383 |
| Loan and lease loss provision to assets | 0.0229% | 4,670 |
| Net operating income to assets | -0.3581% | 6,442 |
| Return on assets (ROA) | -0.3581% | 6,455 |
| Pretax return on assets | -0.3581% | 6,441 |
| Return on Equity (ROE) | -4.7210% | 6,478 |
| Retained earnings to average equity (ytd only) | -4.7210% | 6,352 |
| Net charge-offs to loans | 0.1023% | 3,808 |
| Credit loss provision to net charge-offs | 46.8750% | 3,892 |
| Earnings coverage of net charge-offs (x) | -6.8750% | 5,411 |
| Efficiency ratio | 110.1382% | 267 |
| Assets per employee ($millions) | 2.8432% | 6,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7534% | 6,261 |
| Loan loss allowance to noncurrent loans | 123.4375% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.3548% | 5,194 |
| Noncurrent loans to loans | 0.6104% | 4,450 |
| Net loans and leases to total assets | 47.7414% | 5,317 |
| Net loans and leases to deposits | 51.9070% | 5,631 |
| Net loans and leases to core deposits | 52.4477% | 5,761 |
| Total domestic deposits to total assets | 91.9748% | 289 |
| Equity capital to assets | 7.4579% | 6,306 |
| Core capital (leverage) ratio | 7.4994% | 6,369 |
| Tier 1 risk-based capital ratio | 11.8634% | 5,698 |
| Total risk-based capital ratio | 12.4371% | 6,034 |
| Memoranda: | ||
| Average total assets | $65,625,800 | 5,606 |
| Average earning assets | $58,876,400 | 5,627 |
| Average equity | $4,977,800 | 6,072 |
| Average total loans | $31,284,200 | 5,697 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3041% | 6,055 |
| Cost of funding earning assets | 0.1536% | 6,624 |
| Net interest margin | 3.1505% | 5,147 |
| Noninterest income to average assets | 0.4222% | 4,353 |
| Noninterest expense to average assets | 3.6964% | 1,252 |
| Loan and lease loss provision to assets | 0.0304% | 4,397 |
| Net operating income to assets | -0.4730% | 6,585 |
| Return on assets (ROA) | -0.4730% | 6,600 |
| Pretax return on assets | -0.4730% | 6,586 |
| Return on Equity (ROE) | -6.2095% | 6,629 |
| Retained earnings to average equity (ytd only) | -6.2095% | 6,543 |
| Net charge-offs to loans | 0.1366% | 3,171 |
| Credit loss provision to net charge-offs | 46.8750% | 3,583 |
| Earnings coverage of net charge-offs (x) | -6.8118% | 5,148 |
| Efficiency ratio | 113.5995% | 222 |
| Assets per employee ($millions) | 2.8157% | 6,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7945% | 6,294 |
| Loan loss allowance to noncurrent loans | 1,030.4348% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.1312% | 6,046 |
| Noncurrent loans to loans | 0.0771% | 6,105 |
| Net loans and leases to total assets | 45.6966% | 5,578 |
| Net loans and leases to deposits | 49.7562% | 5,851 |
| Net loans and leases to core deposits | 50.2795% | 5,995 |
| Total domestic deposits to total assets | 91.8409% | 276 |
| Equity capital to assets | 7.4782% | 6,403 |
| Core capital (leverage) ratio | 7.4644% | 6,462 |
| Tier 1 risk-based capital ratio | 12.2151% | 5,632 |
| Total risk-based capital ratio | 12.8093% | 5,997 |
| Memoranda: | ||
| Average total assets | $65,683,750 | 5,659 |
| Average earning assets | $59,036,500 | 5,683 |
| Average equity | $5,003,000 | 6,136 |
| Average total loans | $31,241,000 | 5,755 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3262% | 6,045 |
| Cost of funding earning assets | 0.1589% | 6,677 |
| Net interest margin | 3.1673% | 5,059 |
| Noninterest income to average assets | 0.4152% | 4,413 |
| Noninterest expense to average assets | 3.7429% | 1,174 |
| Loan and lease loss provision to assets | 0.0455% | 4,059 |
| Net operating income to assets | -0.5334% | 6,646 |
| Return on assets (ROA) | -0.5334% | 6,656 |
| Pretax return on assets | -0.5334% | 6,640 |
| Return on Equity (ROE) | -6.9616% | 6,685 |
| Retained earnings to average equity (ytd only) | -6.9616% | 6,566 |
| Net charge-offs to loans | 0.2081% | 2,515 |
| Credit loss provision to net charge-offs | 45.4545% | 3,306 |
| Earnings coverage of net charge-offs (x) | -4.8788% | 4,827 |
| Efficiency ratio | 114.9907% | 224 |
| Assets per employee ($millions) | 2.8229% | 6,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7849% | 6,385 |
| Loan loss allowance to noncurrent loans | 393.3333% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 5,931 |
| Noncurrent loans to loans | 0.1995% | 5,815 |
| Net loans and leases to total assets | 45.9485% | 5,538 |
| Net loans and leases to deposits | 50.0159% | 5,842 |
| Net loans and leases to core deposits | 50.5396% | 5,993 |
| Total domestic deposits to total assets | 91.8678% | 272 |
| Equity capital to assets | 7.4792% | 6,449 |
| Core capital (leverage) ratio | 7.5774% | 6,423 |
| Tier 1 risk-based capital ratio | 12.6372% | 5,402 |
| Total risk-based capital ratio | 13.2422% | 5,748 |
| Memoranda: | ||
| Average total assets | $65,991,000 | 5,693 |
| Average earning assets | $59,166,670 | 5,720 |
| Average equity | $5,056,330 | 6,164 |
| Average total loans | $31,711,000 | 5,766 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3867% | 5,974 |
| Cost of funding earning assets | 0.1619% | 6,758 |
| Net interest margin | 3.2248% | 4,828 |
| Noninterest income to average assets | 0.2225% | 5,892 |
| Noninterest expense to average assets | 3.7521% | 1,173 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.6554% | 6,729 |
| Return on assets (ROA) | -0.6554% | 6,744 |
| Pretax return on assets | -0.6554% | 6,717 |
| Return on Equity (ROE) | -8.4553% | 6,774 |
| Retained earnings to average equity (ytd only) | -8.4553% | 6,551 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.1650% | 209 |
| Assets per employee ($millions) | 2.7354% | 6,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8095% | 6,443 |
| Loan loss allowance to noncurrent loans | 1,104.3478% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.3092% | 5,653 |
| Noncurrent loans to loans | 0.0733% | 6,262 |
| Net loans and leases to total assets | 47.4067% | 5,294 |
| Net loans and leases to deposits | 51.7570% | 5,644 |
| Net loans and leases to core deposits | 52.2945% | 5,800 |
| Total domestic deposits to total assets | 91.5947% | 329 |
| Equity capital to assets | 7.7412% | 6,504 |
| Core capital (leverage) ratio | 7.5071% | 6,469 |
| Tier 1 risk-based capital ratio | 12.1177% | 5,842 |
| Total risk-based capital ratio | 12.7338% | 6,168 |
| Memoranda: | ||
| Average total assets | $66,523,000 | 5,724 |
| Average earning assets | $59,290,500 | 5,767 |
| Average equity | $5,156,500 | 6,200 |
| Average total loans | $32,532,000 | 5,772 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7600% | 5,927 |
| Cost of funding earning assets | 0.2924% | 6,496 |
| Net interest margin | 3.4676% | 4,638 |
| Noninterest income to average assets | 0.3652% | 4,868 |
| Noninterest expense to average assets | 3.7387% | 1,343 |
| Loan and lease loss provision to assets | 0.1970% | 3,172 |
| Net operating income to assets | -0.4971% | 6,565 |
| Return on assets (ROA) | -0.4971% | 6,605 |
| Pretax return on assets | -0.4971% | 6,569 |
| Return on Equity (ROE) | -6.1831% | 6,633 |
| Retained earnings to average equity (ytd only) | -6.1831% | 6,490 |
| Net charge-offs to loans | 1.3602% | 691 |
| Credit loss provision to net charge-offs | 27.4262% | 5,164 |
| Earnings coverage of net charge-offs (x) | -0.4177% | 5,647 |
| Efficiency ratio | 108.7263% | 355 |
| Assets per employee ($millions) | 2.8082% | 6,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7540% | 6,561 |
| Loan loss allowance to noncurrent loans | 121.5311% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.6261% | 4,908 |
| Noncurrent loans to loans | 0.6204% | 4,962 |
| Net loans and leases to total assets | 49.6075% | 5,222 |
| Net loans and leases to deposits | 54.1678% | 5,636 |
| Net loans and leases to core deposits | 54.7148% | 5,821 |
| Total domestic deposits to total assets | 91.5812% | 320 |
| Equity capital to assets | 7.7615% | 6,517 |
| Core capital (leverage) ratio | 7.6866% | 6,413 |
| Tier 1 risk-based capital ratio | 12.0814% | 5,734 |
| Total risk-based capital ratio | 12.6825% | 6,116 |
| Memoranda: | ||
| Average total assets | $65,985,000 | 5,740 |
| Average earning assets | $58,484,800 | 5,797 |
| Average equity | $5,304,800 | 6,208 |
| Average total loans | $34,847,800 | 5,722 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8023% | 6,021 |
| Cost of funding earning assets | 0.3226% | 6,498 |
| Net interest margin | 3.4797% | 4,715 |
| Noninterest income to average assets | 0.2275% | 5,925 |
| Noninterest expense to average assets | 3.7217% | 1,334 |
| Loan and lease loss provision to assets | 0.2560% | 2,529 |
| Net operating income to assets | -0.6602% | 6,765 |
| Return on assets (ROA) | -0.6602% | 6,792 |
| Pretax return on assets | -0.6602% | 6,769 |
| Return on Equity (ROE) | -8.1401% | 6,819 |
| Retained earnings to average equity (ytd only) | -8.1401% | 6,757 |
| Net charge-offs to loans | 1.7569% | 457 |
| Credit loss provision to net charge-offs | 27.2138% | 4,845 |
| Earnings coverage of net charge-offs (x) | -0.4298% | 5,477 |
| Efficiency ratio | 112.1862% | 269 |
| Assets per employee ($millions) | 2.9921% | 6,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7585% | 6,674 |
| Loan loss allowance to noncurrent loans | 103.5714% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.9586% | 4,365 |
| Noncurrent loans to loans | 0.7324% | 4,961 |
| Net loans and leases to total assets | 51.8746% | 5,067 |
| Net loans and leases to deposits | 56.8179% | 5,555 |
| Net loans and leases to core deposits | 57.7285% | 5,753 |
| Total domestic deposits to total assets | 91.2998% | 332 |
| Equity capital to assets | 7.9801% | 6,605 |
| Core capital (leverage) ratio | 7.7685% | 6,485 |
| Tier 1 risk-based capital ratio | 12.3114% | 5,757 |
| Total risk-based capital ratio | 12.9404% | 6,103 |
| Memoranda: | ||
| Average total assets | $65,632,000 | 5,822 |
| Average earning assets | $58,279,250 | 5,871 |
| Average equity | $5,323,250 | 6,269 |
| Average total loans | $35,137,750 | 5,790 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8375% | 6,057 |
| Cost of funding earning assets | 0.3364% | 6,568 |
| Net interest margin | 3.5011% | 4,662 |
| Noninterest income to average assets | 0.1769% | 6,294 |
| Noninterest expense to average assets | 3.7397% | 1,311 |
| Loan and lease loss provision to assets | 0.1525% | 3,617 |
| Net operating income to assets | -0.6040% | 6,782 |
| Return on assets (ROA) | -0.6040% | 6,806 |
| Pretax return on assets | -0.6040% | 6,778 |
| Return on Equity (ROE) | -7.4065% | 6,843 |
| Retained earnings to average equity (ytd only) | -7.4065% | 6,735 |
| Net charge-offs to loans | 1.2323% | 873 |
| Credit loss provision to net charge-offs | 22.9358% | 4,560 |
| Earnings coverage of net charge-offs (x) | -0.6789% | 5,265 |
| Efficiency ratio | 113.7291% | 283 |
| Assets per employee ($millions) | 2.9927% | 6,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 5,279 |
| Loan loss allowance to noncurrent loans | 64.7590% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 1.8135% | 3,020 |
| Noncurrent loans to loans | 1.8809% | 3,101 |
| Net loans and leases to total assets | 52.9656% | 4,964 |
| Net loans and leases to deposits | 57.9645% | 5,454 |
| Net loans and leases to core deposits | 58.9014% | 5,699 |
| Total domestic deposits to total assets | 91.3759% | 334 |
| Equity capital to assets | 7.9725% | 6,582 |
| Core capital (leverage) ratio | 7.9417% | 6,328 |
| Tier 1 risk-based capital ratio | 12.3346% | 5,699 |
| Total risk-based capital ratio | 13.3673% | 5,828 |
| Memoranda: | ||
| Average total assets | $65,567,330 | 5,858 |
| Average earning assets | $58,267,670 | 5,897 |
| Average equity | $5,346,670 | 6,289 |
| Average total loans | $35,381,000 | 5,817 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8818% | 6,063 |
| Cost of funding earning assets | 0.3504% | 6,633 |
| Net interest margin | 3.5314% | 4,565 |
| Noninterest income to average assets | 0.0672% | 6,866 |
| Noninterest expense to average assets | 3.8086% | 1,203 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.5991% | 6,871 |
| Return on assets (ROA) | -0.5991% | 6,896 |
| Pretax return on assets | -0.5991% | 6,860 |
| Return on Equity (ROE) | -7.2653% | 6,929 |
| Retained earnings to average equity (ytd only) | -7.2653% | 6,728 |
| Net charge-offs to loans | -0.0113% | 5,981 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.6667% | 231 |
| Assets per employee ($millions) | 2.8203% | 6,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7027% | 3,340 |
| Loan loss allowance to noncurrent loans | 103.4542% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 2.0026% | 2,891 |
| Noncurrent loans to loans | 1.6458% | 3,634 |
| Net loans and leases to total assets | 53.3114% | 4,836 |
| Net loans and leases to deposits | 58.8062% | 5,292 |
| Net loans and leases to core deposits | 59.7760% | 5,551 |
| Total domestic deposits to total assets | 90.6561% | 709 |
| Equity capital to assets | 8.2616% | 6,300 |
| Core capital (leverage) ratio | 8.1115% | 6,146 |
| Tier 1 risk-based capital ratio | 12.9125% | 5,273 |
| Total risk-based capital ratio | 14.1652% | 5,245 |
| Memoranda: | ||
| Average total assets | $65,431,500 | 5,905 |
| Average earning assets | $58,220,500 | 5,929 |
| Average equity | $5,395,500 | 6,304 |
| Average total loans | $35,420,500 | 5,848 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2740% | 5,842 |
| Cost of funding earning assets | 0.4657% | 6,673 |
| Net interest margin | 3.8083% | 3,778 |
| Noninterest income to average assets | 0.3751% | 4,825 |
| Noninterest expense to average assets | 3.8001% | 1,349 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.0488% | 6,105 |
| Return on assets (ROA) | -0.0488% | 6,198 |
| Pretax return on assets | -0.0457% | 6,169 |
| Return on Equity (ROE) | -0.5967% | 6,210 |
| Retained earnings to average equity (ytd only) | -0.5967% | 5,944 |
| Net charge-offs to loans | 1.0817% | 1,596 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -0.0730% | 5,884 |
| Efficiency ratio | 101.2185% | 639 |
| Assets per employee ($millions) | 2.8694% | 6,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6769% | 3,290 |
| Loan loss allowance to noncurrent loans | 217.4545% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 1.4576% | 3,795 |
| Noncurrent loans to loans | 0.7712% | 5,150 |
| Net loans and leases to total assets | 53.1282% | 5,153 |
| Net loans and leases to deposits | 58.6927% | 5,633 |
| Net loans and leases to core deposits | 59.6411% | 5,879 |
| Total domestic deposits to total assets | 90.5193% | 708 |
| Equity capital to assets | 8.2307% | 6,406 |
| Core capital (leverage) ratio | 8.2043% | 5,989 |
| Tier 1 risk-based capital ratio | 13.1018% | 4,992 |
| Total risk-based capital ratio | 14.3545% | 4,963 |
| Memoranda: | ||
| Average total assets | $65,577,200 | 5,879 |
| Average earning assets | $58,188,400 | 5,926 |
| Average equity | $5,362,400 | 6,336 |
| Average total loans | $37,994,600 | 5,785 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3040% | 5,938 |
| Cost of funding earning assets | 0.4887% | 6,749 |
| Net interest margin | 3.8153% | 3,796 |
| Noninterest income to average assets | 0.1446% | 6,529 |
| Noninterest expense to average assets | 3.8651% | 1,205 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.3381% | 6,534 |
| Return on assets (ROA) | -0.3381% | 6,587 |
| Pretax return on assets | -0.3340% | 6,521 |
| Return on Equity (ROE) | -4.1409% | 6,637 |
| Retained earnings to average equity (ytd only) | -4.1409% | 6,525 |
| Net charge-offs to loans | 1.4619% | 1,004 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -0.3877% | 5,795 |
| Efficiency ratio | 109.4579% | 438 |
| Assets per employee ($millions) | 2.7696% | 6,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5873% | 3,724 |
| Loan loss allowance to noncurrent loans | 167.9083% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 1.8791% | 3,295 |
| Noncurrent loans to loans | 0.9453% | 4,990 |
| Net loans and leases to total assets | 57.0361% | 4,675 |
| Net loans and leases to deposits | 63.0994% | 5,280 |
| Net loans and leases to core deposits | 64.1545% | 5,595 |
| Total domestic deposits to total assets | 90.3909% | 680 |
| Equity capital to assets | 8.3124% | 6,473 |
| Core capital (leverage) ratio | 7.7801% | 6,584 |
| Tier 1 risk-based capital ratio | 12.5642% | 5,441 |
| Total risk-based capital ratio | 13.8155% | 5,426 |
| Memoranda: | ||
| Average total assets | $65,472,250 | 5,930 |
| Average earning assets | $58,115,250 | 5,975 |
| Average equity | $5,345,000 | 6,391 |
| Average total loans | $38,578,000 | 5,812 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3402% | 5,874 |
| Cost of funding earning assets | 0.5038% | 6,832 |
| Net interest margin | 3.8364% | 3,610 |
| Noninterest income to average assets | 0.2815% | 5,634 |
| Noninterest expense to average assets | 3.8569% | 1,271 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.1695% | 6,442 |
| Return on assets (ROA) | -0.1695% | 6,478 |
| Pretax return on assets | -0.1635% | 6,425 |
| Return on Equity (ROE) | -2.0889% | 6,529 |
| Retained earnings to average equity (ytd only) | -2.0889% | 6,266 |
| Net charge-offs to loans | 2.1773% | 591 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -0.1268% | 5,365 |
| Efficiency ratio | 104.4262% | 603 |
| Assets per employee ($millions) | 2.9167% | 6,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5814% | 3,775 |
| Loan loss allowance to noncurrent loans | 138.1517% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 1.9557% | 3,298 |
| Noncurrent loans to loans | 1.1447% | 4,745 |
| Net loans and leases to total assets | 54.0851% | 5,287 |
| Net loans and leases to deposits | 59.8127% | 5,743 |
| Net loans and leases to core deposits | 60.7593% | 6,026 |
| Total domestic deposits to total assets | 90.4241% | 749 |
| Equity capital to assets | 8.0241% | 6,668 |
| Core capital (leverage) ratio | 7.9745% | 6,331 |
| Tier 1 risk-based capital ratio | 12.5556% | 5,283 |
| Total risk-based capital ratio | 13.8071% | 5,265 |
| Memoranda: | ||
| Average total assets | $66,063,000 | 5,957 |
| Average earning assets | $58,753,330 | 5,996 |
| Average equity | $5,361,670 | 6,423 |
| Average total loans | $39,131,330 | 5,836 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5147% | 5,289 |
| Cost of funding earning assets | 0.5299% | 6,865 |
| Net interest margin | 3.9848% | 2,750 |
| Noninterest income to average assets | 0.0732% | 7,024 |
| Noninterest expense to average assets | 4.0090% | 1,023 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.4149% | 6,746 |
| Return on assets (ROA) | -0.4149% | 6,756 |
| Pretax return on assets | -0.4027% | 6,689 |
| Return on Equity (ROE) | -5.0832% | 6,811 |
| Retained earnings to average equity (ytd only) | -5.0832% | 6,521 |
| Net charge-offs to loans | 0.0596% | 4,336 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -11.0000% | 5,060 |
| Efficiency ratio | 111.1675% | 475 |
| Assets per employee ($millions) | 2.7627% | 6,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6076% | 1,304 |
| Loan loss allowance to noncurrent loans | 317.4051% | 974 |
| Noncurrent assets plus other real estate owned to assets | 2.1104% | 3,176 |
| Noncurrent loans to loans | 0.8215% | 5,392 |
| Net loans and leases to total assets | 58.9563% | 4,469 |
| Net loans and leases to deposits | 65.2887% | 5,078 |
| Net loans and leases to core deposits | 66.3749% | 5,468 |
| Total domestic deposits to total assets | 90.3009% | 963 |
| Equity capital to assets | 8.3803% | 6,073 |
| Core capital (leverage) ratio | 8.0666% | 6,167 |
| Tier 1 risk-based capital ratio | 12.5482% | 5,224 |
| Total risk-based capital ratio | 13.8129% | 5,184 |
| Memoranda: | ||
| Average total assets | $65,552,000 | 6,007 |
| Average earning assets | $58,121,500 | 6,061 |
| Average equity | $5,351,000 | 6,436 |
| Average total loans | $40,264,000 | 5,838 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8619% | 5,191 |
| Cost of funding earning assets | 0.8302% | 6,443 |
| Net interest margin | 4.0317% | 2,882 |
| Noninterest income to average assets | -1.0230% | 7,625 |
| Noninterest expense to average assets | 4.1412% | 968 |
| Loan and lease loss provision to assets | 1.9431% | 691 |
| Net operating income to assets | -3.5746% | 7,382 |
| Return on assets (ROA) | -3.5746% | 7,400 |
| Pretax return on assets | -3.5746% | 7,381 |
| Return on Equity (ROE) | -46.8513% | 7,401 |
| Retained earnings to average equity (ytd only) | -46.8513% | 7,397 |
| Net charge-offs to loans | 3.9776% | 323 |
| Credit loss provision to net charge-offs | 77.0690% | 5,663 |
| Earnings coverage of net charge-offs (x) | -0.6471% | 6,516 |
| Efficiency ratio | 165.0115% | 149 |
| Assets per employee ($millions) | 2.8151% | 6,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3988% | 1,549 |
| Loan loss allowance to noncurrent loans | 375.0929% | 829 |
| Noncurrent assets plus other real estate owned to assets | 2.0914% | 3,234 |
| Noncurrent loans to loans | 0.6395% | 5,773 |
| Net loans and leases to total assets | 60.7649% | 4,535 |
| Net loans and leases to deposits | 66.8012% | 5,291 |
| Net loans and leases to core deposits | 67.8354% | 5,679 |
| Total domestic deposits to total assets | 90.9639% | 611 |
| Equity capital to assets | 7.9586% | 6,535 |
| Core capital (leverage) ratio | 7.8860% | 6,338 |
| Tier 1 risk-based capital ratio | 11.3231% | 6,070 |
| Total risk-based capital ratio | 12.5845% | 6,051 |
| Memoranda: | ||
| Average total assets | $69,013,800 | 5,913 |
| Average earning assets | $60,470,800 | 5,981 |
| Average equity | $5,265,600 | 6,571 |
| Average total loans | $43,745,400 | 5,756 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8937% | 5,297 |
| Cost of funding earning assets | 0.8680% | 6,515 |
| Net interest margin | 4.0257% | 2,978 |
| Noninterest income to average assets | -0.9648% | 7,723 |
| Noninterest expense to average assets | 4.2242% | 800 |
| Loan and lease loss provision to assets | 2.5772% | 396 |
| Net operating income to assets | -4.2453% | 7,589 |
| Return on assets (ROA) | -4.2453% | 7,601 |
| Pretax return on assets | -4.2453% | 7,585 |
| Return on Equity (ROE) | -56.2314% | 7,590 |
| Retained earnings to average equity (ytd only) | -56.2314% | 7,588 |
| Net charge-offs to loans | 4.5011% | 224 |
| Credit loss provision to net charge-offs | 89.9396% | 4,769 |
| Earnings coverage of net charge-offs (x) | -0.5822% | 6,359 |
| Efficiency ratio | 165.2632% | 147 |
| Assets per employee ($millions) | 2.7881% | 6,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9531% | 857 |
| Loan loss allowance to noncurrent loans | 170.6920% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 3.5343% | 2,014 |
| Noncurrent loans to loans | 1.7301% | 4,050 |
| Net loans and leases to total assets | 61.7814% | 4,577 |
| Net loans and leases to deposits | 68.3096% | 5,378 |
| Net loans and leases to core deposits | 69.3850% | 5,812 |
| Total domestic deposits to total assets | 90.4431% | 663 |
| Equity capital to assets | 8.1850% | 6,625 |
| Core capital (leverage) ratio | 7.5349% | 6,825 |
| Tier 1 risk-based capital ratio | 11.1618% | 6,230 |
| Total risk-based capital ratio | 12.4292% | 6,206 |
| Memoranda: | ||
| Average total assets | $69,376,750 | 5,959 |
| Average earning assets | $60,675,000 | 6,041 |
| Average equity | $5,237,750 | 6,658 |
| Average total loans | $44,166,000 | 5,822 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8869% | 5,451 |
| Cost of funding earning assets | 0.8793% | 6,657 |
| Net interest margin | 4.0076% | 2,980 |
| Noninterest income to average assets | -0.9231% | 7,788 |
| Noninterest expense to average assets | 4.2252% | 788 |
| Loan and lease loss provision to assets | 3.8207% | 212 |
| Net operating income to assets | -5.4760% | 7,713 |
| Return on assets (ROA) | -5.4760% | 7,718 |
| Pretax return on assets | -5.4760% | 7,702 |
| Return on Equity (ROE) | -74.5250% | 7,693 |
| Retained earnings to average equity (ytd only) | -74.5250% | 7,691 |
| Net charge-offs to loans | 6.4894% | 109 |
| Credit loss provision to net charge-offs | 92.4828% | 4,351 |
| Earnings coverage of net charge-offs (x) | -0.4007% | 5,983 |
| Efficiency ratio | 164.4124% | 165 |
| Assets per employee ($millions) | 2.5953% | 6,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9566% | 855 |
| Loan loss allowance to noncurrent loans | 177.4590% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 3.7418% | 1,868 |
| Noncurrent loans to loans | 1.6661% | 4,197 |
| Net loans and leases to total assets | 60.8465% | 4,896 |
| Net loans and leases to deposits | 67.0288% | 5,681 |
| Net loans and leases to core deposits | 67.7036% | 6,084 |
| Total domestic deposits to total assets | 90.7768% | 573 |
| Equity capital to assets | 7.9703% | 6,786 |
| Core capital (leverage) ratio | 7.8313% | 6,463 |
| Tier 1 risk-based capital ratio | 10.8939% | 6,354 |
| Total risk-based capital ratio | 12.1616% | 6,319 |
| Memoranda: | ||
| Average total assets | $70,197,330 | 5,975 |
| Average earning assets | $61,184,000 | 6,055 |
| Average equity | $5,158,000 | 6,727 |
| Average total loans | $44,688,330 | 5,833 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6281% | 6,473 |
| Cost of funding earning assets | 0.9243% | 6,678 |
| Net interest margin | 3.7038% | 4,225 |
| Noninterest income to average assets | -1.7990% | 7,918 |
| Noninterest expense to average assets | 4.4464% | 615 |
| Loan and lease loss provision to assets | 7.2873% | 79 |
| Net operating income to assets | -10.3160% | 7,901 |
| Return on assets (ROA) | -10.3160% | 7,900 |
| Pretax return on assets | -10.3160% | 7,896 |
| Return on Equity (ROE) | -146.5871% | 7,867 |
| Retained earnings to average equity (ytd only) | -146.5871% | 7,865 |
| Net charge-offs to loans | 12.8704% | 27 |
| Credit loss provision to net charge-offs | 88.2759% | 3,695 |
| Earnings coverage of net charge-offs (x) | -0.3669% | 5,237 |
| Efficiency ratio | 313.6546% | 39 |
| Assets per employee ($millions) | 2.2314% | 7,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8082% | 977 |
| Loan loss allowance to noncurrent loans | 63.3248% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 5.1732% | 1,225 |
| Noncurrent loans to loans | 4.4346% | 1,694 |
| Net loans and leases to total assets | 64.0071% | 4,327 |
| Net loans and leases to deposits | 68.8272% | 5,491 |
| Net loans and leases to core deposits | 69.5342% | 5,954 |
| Total domestic deposits to total assets | 92.9968% | 122 |
| Equity capital to assets | 5.9799% | 7,625 |
| Core capital (leverage) ratio | 5.5235% | 7,649 |
| Tier 1 risk-based capital ratio | 7.8720% | 7,628 |
| Total risk-based capital ratio | 9.1385% | 7,634 |
| Memoranda: | ||
| Average total assets | $70,259,500 | 6,038 |
| Average earning assets | $61,018,500 | 6,130 |
| Average equity | $4,944,500 | 6,862 |
| Average total loans | $45,064,500 | 5,880 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3542% | 4,924 |
| Cost of funding earning assets | 1.2106% | 6,622 |
| Net interest margin | 4.1437% | 2,269 |
| Noninterest income to average assets | 0.4002% | 5,195 |
| Noninterest expense to average assets | 4.3480% | 936 |
| Loan and lease loss provision to assets | 3.0779% | 556 |
| Net operating income to assets | -3.4332% | 7,494 |
| Return on assets (ROA) | -3.4332% | 7,496 |
| Pretax return on assets | -3.4332% | 7,400 |
| Return on Equity (ROE) | -36.8519% | 7,522 |
| Retained earnings to average equity (ytd only) | -36.8519% | 7,509 |
| Net charge-offs to loans | 6.2226% | 161 |
| Credit loss provision to net charge-offs | 74.4240% | 6,411 |
| Earnings coverage of net charge-offs (x) | -0.0859% | 6,318 |
| Efficiency ratio | 108.8987% | 822 |
| Assets per employee ($millions) | 2.4526% | 7,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0579% | 736 |
| Loan loss allowance to noncurrent loans | 52.5177% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 6.2668% | 882 |
| Noncurrent loans to loans | 5.8227% | 1,085 |
| Net loans and leases to total assets | 60.6649% | 5,244 |
| Net loans and leases to deposits | 66.6926% | 5,978 |
| Net loans and leases to core deposits | 72.3366% | 6,633 |
| Total domestic deposits to total assets | 90.9620% | 547 |
| Equity capital to assets | 7.9997% | 6,577 |
| Core capital (leverage) ratio | 8.0500% | 6,083 |
| Tier 1 risk-based capital ratio | 10.8241% | 6,090 |
| Total risk-based capital ratio | 12.0918% | 6,048 |
| Memoranda: | ||
| Average total assets | $73,459,800 | 5,904 |
| Average earning assets | $63,687,800 | 6,012 |
| Average equity | $6,843,600 | 6,322 |
| Average total loans | $48,821,800 | 5,725 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4209% | 4,842 |
| Cost of funding earning assets | 1.2608% | 6,679 |
| Net interest margin | 4.1601% | 2,174 |
| Noninterest income to average assets | 1.2056% | 1,060 |
| Noninterest expense to average assets | 5.2311% | 418 |
| Loan and lease loss provision to assets | 3.7241% | 344 |
| Net operating income to assets | -4.1308% | 7,765 |
| Return on assets (ROA) | -4.1308% | 7,767 |
| Pretax return on assets | -4.1308% | 7,708 |
| Return on Equity (ROE) | -42.8245% | 7,777 |
| Retained earnings to average equity (ytd only) | -42.8245% | 7,774 |
| Net charge-offs to loans | 7.9191% | 84 |
| Credit loss provision to net charge-offs | 69.7382% | 5,988 |
| Earnings coverage of net charge-offs (x) | -0.0762% | 6,155 |
| Efficiency ratio | 108.4306% | 796 |
| Assets per employee ($millions) | 2.4112% | 7,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8152% | 779 |
| Loan loss allowance to noncurrent loans | 51.4911% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 6.2239% | 844 |
| Noncurrent loans to loans | 5.4674% | 1,145 |
| Net loans and leases to total assets | 63.9337% | 4,886 |
| Net loans and leases to deposits | 70.4982% | 5,846 |
| Net loans and leases to core deposits | 77.9444% | 6,494 |
| Total domestic deposits to total assets | 90.6885% | 518 |
| Equity capital to assets | 8.2475% | 6,569 |
| Core capital (leverage) ratio | 7.6240% | 6,834 |
| Tier 1 risk-based capital ratio | 10.6728% | 6,271 |
| Total risk-based capital ratio | 11.9376% | 6,238 |
| Memoranda: | ||
| Average total assets | $73,430,250 | 5,941 |
| Average earning assets | $63,875,000 | 6,040 |
| Average equity | $7,083,000 | 6,294 |
| Average total loans | $49,516,250 | 5,744 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4566% | 4,859 |
| Cost of funding earning assets | 1.2828% | 6,864 |
| Net interest margin | 4.1738% | 2,083 |
| Noninterest income to average assets | 1.4692% | 683 |
| Noninterest expense to average assets | 4.1421% | 1,141 |
| Loan and lease loss provision to assets | 4.9223% | 217 |
| Net operating income to assets | -3.9840% | 7,827 |
| Return on assets (ROA) | -3.9840% | 7,820 |
| Pretax return on assets | -3.9840% | 7,745 |
| Return on Equity (ROE) | -39.5125% | 7,844 |
| Retained earnings to average equity (ytd only) | -39.5125% | 7,829 |
| Net charge-offs to loans | 8.5148% | 87 |
| Credit loss provision to net charge-offs | 85.0788% | 5,060 |
| Earnings coverage of net charge-offs (x) | 0.1622% | 5,508 |
| Efficiency ratio | 81.5303% | 2,790 |
| Assets per employee ($millions) | 2.4439% | 7,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8187% | 299 |
| Loan loss allowance to noncurrent loans | 57.1122% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 7.2943% | 563 |
| Noncurrent loans to loans | 6.6863% | 767 |
| Net loans and leases to total assets | 63.9993% | 4,982 |
| Net loans and leases to deposits | 71.0545% | 5,863 |
| Net loans and leases to core deposits | 79.1482% | 6,476 |
| Total domestic deposits to total assets | 90.0707% | 799 |
| Equity capital to assets | 8.9664% | 5,365 |
| Core capital (leverage) ratio | 8.5980% | 5,267 |
| Tier 1 risk-based capital ratio | 11.4237% | 5,471 |
| Total risk-based capital ratio | 12.6990% | 5,360 |
| Memoranda: | ||
| Average total assets | $74,599,000 | 5,965 |
| Average earning assets | $64,545,330 | 6,061 |
| Average equity | $7,521,670 | 6,173 |
| Average total loans | $50,688,330 | 5,741 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4842% | 4,989 |
| Cost of funding earning assets | 1.3267% | 6,942 |
| Net interest margin | 4.1575% | 2,060 |
| Noninterest income to average assets | -0.3296% | 8,186 |
| Noninterest expense to average assets | 4.1308% | 1,023 |
| Loan and lease loss provision to assets | 0.1595% | 4,895 |
| Net operating income to assets | -1.0048% | 7,257 |
| Return on assets (ROA) | -1.0048% | 7,273 |
| Pretax return on assets | -1.0048% | 7,158 |
| Return on Equity (ROE) | -9.4553% | 7,327 |
| Retained earnings to average equity (ytd only) | -9.4553% | 7,054 |
| Net charge-offs to loans | 10.9296% | 51 |
| Credit loss provision to net charge-offs | 2.1262% | 5,241 |
| Earnings coverage of net charge-offs (x) | -0.1127% | 5,086 |
| Efficiency ratio | 125.7282% | 553 |
| Assets per employee ($millions) | 2.4374% | 7,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6101% | 2,477 |
| Loan loss allowance to noncurrent loans | 27.4216% | 6,730 |
| Noncurrent assets plus other real estate owned to assets | 6.9774% | 489 |
| Noncurrent loans to loans | 5.8718% | 829 |
| Net loans and leases to total assets | 67.1891% | 4,307 |
| Net loans and leases to deposits | 76.1918% | 5,195 |
| Net loans and leases to core deposits | 84.8122% | 5,994 |
| Total domestic deposits to total assets | 88.1841% | 1,655 |
| Equity capital to assets | 10.8709% | 3,107 |
| Core capital (leverage) ratio | 10.2146% | 3,185 |
| Tier 1 risk-based capital ratio | 13.5594% | 3,825 |
| Total risk-based capital ratio | 14.8117% | 3,752 |
| Memoranda: | ||
| Average total assets | $75,239,500 | 5,966 |
| Average earning assets | $65,424,000 | 6,057 |
| Average equity | $7,995,500 | 6,068 |
| Average total loans | $51,639,500 | 5,732 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4079% | 3,376 |
| Cost of funding earning assets | 1.9694% | 6,509 |
| Net interest margin | 4.4385% | 1,568 |
| Noninterest income to average assets | 0.6384% | 3,568 |
| Noninterest expense to average assets | 3.6198% | 2,094 |
| Loan and lease loss provision to assets | 2.1537% | 537 |
| Net operating income to assets | -1.2128% | 7,352 |
| Return on assets (ROA) | -1.2128% | 7,291 |
| Pretax return on assets | -1.2128% | 7,122 |
| Return on Equity (ROE) | -11.2234% | 7,363 |
| Retained earnings to average equity (ytd only) | -14.2626% | 7,414 |
| Net charge-offs to loans | 1.0068% | 1,229 |
| Credit loss provision to net charge-offs | 309.9115% | 1,453 |
| Earnings coverage of net charge-offs (x) | 1.3540% | 5,449 |
| Efficiency ratio | 79.3689% | 2,690 |
| Assets per employee ($millions) | 2.6675% | 6,854 |
| Cash dividends to net income (ytd only)* | -27.0791% | 7,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0960% | 176 |
| Loan loss allowance to noncurrent loans | 53.2797% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 7.2973% | 344 |
| Noncurrent loans to loans | 7.6877% | 367 |
| Net loans and leases to total assets | 66.1349% | 4,821 |
| Net loans and leases to deposits | 74.8413% | 5,755 |
| Net loans and leases to core deposits | 83.1978% | 6,364 |
| Total domestic deposits to total assets | 88.3669% | 1,306 |
| Equity capital to assets | 10.3960% | 3,616 |
| Core capital (leverage) ratio | 10.0635% | 3,386 |
| Tier 1 risk-based capital ratio | 13.4170% | 3,864 |
| Total risk-based capital ratio | 14.6985% | 3,754 |
| Memoranda: | ||
| Average total assets | $81,302,400 | 5,649 |
| Average earning assets | $71,849,000 | 5,743 |
| Average equity | $8,785,200 | 5,814 |
| Average total loans | $56,116,600 | 5,441 |