Home > Sierra Vista Bank > Performance and Condition Ratios
Sierra Vista Bank, Performance and Condition Ratios
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8421% | 820 |
| Cost of funding earning assets | 0.2705% | 4,385 |
| Net interest margin | 4.5716% | 534 |
| Noninterest income to average assets | 0.2360% | 5,060 |
| Noninterest expense to average assets | 7.2190% | 128 |
| Loan and lease loss provision to assets | 0.0855% | 2,513 |
| Net operating income to assets | -1.8889% | 5,942 |
| Return on assets (ROA) | -1.8533% | 5,941 |
| Pretax return on assets | -2.7941% | 5,960 |
| Return on Equity (ROE) | -16.3969% | 5,933 |
| Retained earnings to average equity (ytd only) | -16.3969% | 5,900 |
| Net charge-offs to loans | -0.0278% | 5,133 |
| Credit loss provision to net charge-offs | -400.0000% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 161.9843% | 29 |
| Assets per employee ($millions) | 5.5463% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 2,191 |
| Loan loss allowance to noncurrent loans | 890.3553% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 4,919 |
| Noncurrent loans to loans | 0.1575% | 4,722 |
| Net loans and leases to total assets | 79.4270% | 981 |
| Net loans and leases to deposits | 89.2293% | 1,851 |
| Net loans and leases to core deposits | 105.3689% | 1,244 |
| Total domestic deposits to total assets | 89.0145% | 899 |
| Equity capital to assets | 10.4240% | 3,644 |
| Core capital (leverage) ratio | 8.5626% | 5,302 |
| Tier 1 risk-based capital ratio | 10.1534% | 5,745 |
| Total risk-based capital ratio | 11.4153% | 5,688 |
| Memoranda: | ||
| Average total assets | $155,898,500 | 3,453 |
| Average earning assets | $143,928,750 | 3,464 |
| Average equity | $17,620,750 | 3,492 |
| Average total loans | $120,080,000 | 3,076 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7944% | 900 |
| Cost of funding earning assets | 0.2778% | 4,376 |
| Net interest margin | 4.5166% | 595 |
| Noninterest income to average assets | 0.2511% | 4,975 |
| Noninterest expense to average assets | 3.8040% | 763 |
| Loan and lease loss provision to assets | 0.1281% | 1,780 |
| Net operating income to assets | 0.2567% | 5,419 |
| Return on assets (ROA) | 0.3190% | 5,352 |
| Pretax return on assets | 0.5830% | 4,932 |
| Return on Equity (ROE) | 2.7516% | 5,312 |
| Retained earnings to average equity (ytd only) | 2.7516% | 4,149 |
| Net charge-offs to loans | -0.0203% | 4,955 |
| Credit loss provision to net charge-offs | -833.3333% | 5,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1079% | 870 |
| Assets per employee ($millions) | 5.2420% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4281% | 2,172 |
| Loan loss allowance to noncurrent loans | 853.4314% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.1297% | 4,990 |
| Noncurrent loans to loans | 0.1673% | 4,774 |
| Net loans and leases to total assets | 76.4172% | 1,422 |
| Net loans and leases to deposits | 90.7857% | 1,657 |
| Net loans and leases to core deposits | 111.7940% | 829 |
| Total domestic deposits to total assets | 84.1732% | 3,205 |
| Equity capital to assets | 11.7074% | 2,351 |
| Core capital (leverage) ratio | 9.9990% | 3,565 |
| Tier 1 risk-based capital ratio | 12.4165% | 4,583 |
| Total risk-based capital ratio | 13.6798% | 4,486 |
| Memoranda: | ||
| Average total assets | $156,099,330 | 3,474 |
| Average earning assets | $144,002,330 | 3,482 |
| Average equity | $18,098,330 | 3,429 |
| Average total loans | $118,406,330 | 3,107 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6920% | 1,063 |
| Cost of funding earning assets | 0.2868% | 4,312 |
| Net interest margin | 4.4052% | 733 |
| Noninterest income to average assets | 0.2546% | 4,920 |
| Noninterest expense to average assets | 3.6394% | 972 |
| Loan and lease loss provision to assets | 0.1286% | 1,654 |
| Net operating income to assets | 0.3061% | 5,287 |
| Return on assets (ROA) | 0.3061% | 5,371 |
| Pretax return on assets | 0.5556% | 4,941 |
| Return on Equity (ROE) | 2.6530% | 5,345 |
| Retained earnings to average equity (ytd only) | 2.6530% | 4,186 |
| Net charge-offs to loans | -0.0411% | 5,231 |
| Credit loss provision to net charge-offs | -416.6667% | 4,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1761% | 1,140 |
| Assets per employee ($millions) | 5.2039% | 2,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 2,361 |
| Loan loss allowance to noncurrent loans | 786.5116% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.1377% | 5,022 |
| Noncurrent loans to loans | 0.1799% | 4,762 |
| Net loans and leases to total assets | 75.4742% | 1,472 |
| Net loans and leases to deposits | 87.4445% | 1,891 |
| Net loans and leases to core deposits | 113.6250% | 683 |
| Total domestic deposits to total assets | 86.3109% | 2,530 |
| Equity capital to assets | 11.5638% | 2,380 |
| Core capital (leverage) ratio | 9.9292% | 3,627 |
| Tier 1 risk-based capital ratio | 12.2844% | 4,731 |
| Total risk-based capital ratio | 13.5471% | 4,622 |
| Memoranda: | ||
| Average total assets | $155,519,500 | 3,500 |
| Average earning assets | $143,648,000 | 3,500 |
| Average equity | $17,942,000 | 3,447 |
| Average total loans | $116,652,500 | 3,138 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7652% | 982 |
| Cost of funding earning assets | 0.3010% | 4,237 |
| Net interest margin | 4.4642% | 702 |
| Noninterest income to average assets | 0.3734% | 4,238 |
| Noninterest expense to average assets | 3.5243% | 1,252 |
| Loan and lease loss provision to assets | 0.0320% | 3,726 |
| Net operating income to assets | 0.5192% | 4,621 |
| Return on assets (ROA) | 0.5192% | 4,700 |
| Pretax return on assets | 0.8884% | 3,889 |
| Return on Equity (ROE) | 4.2397% | 4,832 |
| Retained earnings to average equity (ytd only) | 4.2397% | 2,971 |
| Net charge-offs to loans | -0.1824% | 5,941 |
| Credit loss provision to net charge-offs | -24.4565% | 4,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2927% | 1,778 |
| Assets per employee ($millions) | 5.3421% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 2,287 |
| Loan loss allowance to noncurrent loans | 699.1416% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 4,988 |
| Noncurrent loans to loans | 0.2048% | 4,680 |
| Net loans and leases to total assets | 72.3958% | 1,981 |
| Net loans and leases to deposits | 84.1148% | 2,346 |
| Net loans and leases to core deposits | 113.9448% | 682 |
| Total domestic deposits to total assets | 86.0678% | 2,604 |
| Equity capital to assets | 11.5097% | 2,349 |
| Core capital (leverage) ratio | 10.0083% | 3,496 |
| Tier 1 risk-based capital ratio | 12.4795% | 4,649 |
| Total risk-based capital ratio | 13.7475% | 4,525 |
| Memoranda: | ||
| Average total assets | $140,597,200 | 3,713 |
| Average earning assets | $128,220,400 | 3,739 |
| Average equity | $17,218,200 | 3,503 |
| Average total loans | $100,878,600 | 3,370 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6260% | 1,272 |
| Cost of funding earning assets | 0.3050% | 4,277 |
| Net interest margin | 4.3210% | 922 |
| Noninterest income to average assets | 0.3756% | 4,247 |
| Noninterest expense to average assets | 3.5635% | 1,172 |
| Loan and lease loss provision to assets | 0.0438% | 3,341 |
| Net operating income to assets | 0.4068% | 5,143 |
| Return on assets (ROA) | 0.4068% | 5,235 |
| Pretax return on assets | 0.6967% | 4,689 |
| Return on Equity (ROE) | 3.2659% | 5,296 |
| Retained earnings to average equity (ytd only) | 3.2659% | 4,137 |
| Net charge-offs to loans | -0.1024% | 5,793 |
| Credit loss provision to net charge-offs | -60.0000% | 4,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7945% | 1,295 |
| Assets per employee ($millions) | 5.4973% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3479% | 2,864 |
| Loan loss allowance to noncurrent loans | 257.1912% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.6266% | 3,388 |
| Noncurrent loans to loans | 0.5241% | 3,770 |
| Net loans and leases to total assets | 74.9491% | 1,557 |
| Net loans and leases to deposits | 87.6006% | 1,958 |
| Net loans and leases to core deposits | 122.3214% | 414 |
| Total domestic deposits to total assets | 85.5578% | 2,756 |
| Equity capital to assets | 11.7783% | 2,282 |
| Core capital (leverage) ratio | 10.1098% | 3,486 |
| Tier 1 risk-based capital ratio | 12.1013% | 5,021 |
| Total risk-based capital ratio | 13.3722% | 4,920 |
| Memoranda: | ||
| Average total assets | $137,016,000 | 3,804 |
| Average earning assets | $124,567,250 | 3,837 |
| Average equity | $17,065,000 | 3,548 |
| Average total loans | $97,651,750 | 3,456 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6344% | 1,202 |
| Cost of funding earning assets | 0.3095% | 4,286 |
| Net interest margin | 4.3248% | 874 |
| Noninterest income to average assets | 0.3528% | 4,439 |
| Noninterest expense to average assets | 3.6228% | 1,083 |
| Loan and lease loss provision to assets | 0.0225% | 3,682 |
| Net operating income to assets | 0.3678% | 5,241 |
| Return on assets (ROA) | 0.3678% | 5,351 |
| Pretax return on assets | 0.6306% | 4,892 |
| Return on Equity (ROE) | 2.8950% | 5,436 |
| Retained earnings to average equity (ytd only) | 2.8950% | 4,199 |
| Net charge-offs to loans | -0.0691% | 5,658 |
| Credit loss provision to net charge-offs | -46.8750% | 4,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7261% | 1,185 |
| Assets per employee ($millions) | 5.2234% | 2,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4409% | 2,558 |
| Loan loss allowance to noncurrent loans | 152.9598% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.6708% | 3,390 |
| Noncurrent loans to loans | 0.9420% | 2,774 |
| Net loans and leases to total assets | 70.1803% | 2,285 |
| Net loans and leases to deposits | 80.5554% | 2,718 |
| Net loans and leases to core deposits | 114.9520% | 628 |
| Total domestic deposits to total assets | 87.1206% | 2,097 |
| Equity capital to assets | 12.2094% | 1,868 |
| Core capital (leverage) ratio | 10.4894% | 2,978 |
| Tier 1 risk-based capital ratio | 12.9461% | 4,545 |
| Total risk-based capital ratio | 14.1976% | 4,463 |
| Memoranda: | ||
| Average total assets | $133,212,670 | 3,905 |
| Average earning assets | $120,836,670 | 3,934 |
| Average equity | $16,926,000 | 3,574 |
| Average total loans | $92,614,330 | 3,587 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6728% | 1,088 |
| Cost of funding earning assets | 0.3083% | 4,347 |
| Net interest margin | 4.3645% | 784 |
| Noninterest income to average assets | 0.3124% | 4,693 |
| Noninterest expense to average assets | 3.6534% | 1,066 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3496% | 5,249 |
| Return on assets (ROA) | 0.3496% | 5,366 |
| Pretax return on assets | 0.6001% | 4,915 |
| Return on Equity (ROE) | 2.6938% | 5,476 |
| Retained earnings to average equity (ytd only) | 2.6938% | 4,331 |
| Net charge-offs to loans | -0.0541% | 5,555 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8909% | 1,190 |
| Assets per employee ($millions) | 5.0710% | 2,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5384% | 2,288 |
| Loan loss allowance to noncurrent loans | 145.4171% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.7092% | 3,365 |
| Noncurrent loans to loans | 1.0579% | 2,651 |
| Net loans and leases to total assets | 66.0052% | 2,765 |
| Net loans and leases to deposits | 75.9093% | 3,067 |
| Net loans and leases to core deposits | 105.5759% | 965 |
| Total domestic deposits to total assets | 86.9528% | 2,398 |
| Equity capital to assets | 12.5148% | 1,687 |
| Core capital (leverage) ratio | 11.0255% | 2,391 |
| Tier 1 risk-based capital ratio | 13.6206% | 4,267 |
| Total risk-based capital ratio | 14.8693% | 4,176 |
| Memoranda: | ||
| Average total assets | $129,303,500 | 4,003 |
| Average earning assets | $116,760,500 | 4,048 |
| Average equity | $16,779,500 | 3,622 |
| Average total loans | $88,710,000 | 3,678 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0397% | 714 |
| Cost of funding earning assets | 0.3435% | 4,322 |
| Net interest margin | 4.6962% | 522 |
| Noninterest income to average assets | 0.3732% | 4,398 |
| Noninterest expense to average assets | 3.9028% | 852 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4210% | 5,149 |
| Return on assets (ROA) | 0.4210% | 5,222 |
| Pretax return on assets | 0.7481% | 4,449 |
| Return on Equity (ROE) | 2.9703% | 5,491 |
| Retained earnings to average equity (ytd only) | 2.9703% | 4,129 |
| Net charge-offs to loans | 0.0578% | 3,679 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 17.9574% | 1,874 |
| Efficiency ratio | 83.9146% | 1,419 |
| Assets per employee ($millions) | 4.5070% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6348% | 1,970 |
| Loan loss allowance to noncurrent loans | 140.7035% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.8177% | 3,161 |
| Noncurrent loans to loans | 1.1619% | 2,510 |
| Net loans and leases to total assets | 69.2215% | 2,355 |
| Net loans and leases to deposits | 81.3480% | 2,561 |
| Net loans and leases to core deposits | 112.8460% | 648 |
| Total domestic deposits to total assets | 85.0931% | 3,251 |
| Equity capital to assets | 13.4967% | 1,163 |
| Core capital (leverage) ratio | 11.1745% | 2,240 |
| Tier 1 risk-based capital ratio | 15.0350% | 3,467 |
| Total risk-based capital ratio | 16.2903% | 3,406 |
| Memoranda: | ||
| Average total assets | $112,815,800 | 4,323 |
| Average earning assets | $102,764,600 | 4,332 |
| Average equity | $15,991,600 | 3,668 |
| Average total loans | $81,275,000 | 3,841 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0273% | 732 |
| Cost of funding earning assets | 0.3426% | 4,429 |
| Net interest margin | 4.6847% | 520 |
| Noninterest income to average assets | 0.4195% | 4,100 |
| Noninterest expense to average assets | 3.8662% | 890 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4678% | 5,003 |
| Return on assets (ROA) | 0.4678% | 5,079 |
| Pretax return on assets | 0.8391% | 4,220 |
| Return on Equity (ROE) | 3.2570% | 5,446 |
| Retained earnings to average equity (ytd only) | 3.2570% | 4,308 |
| Net charge-offs to loans | -0.0649% | 6,014 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1676% | 1,596 |
| Assets per employee ($millions) | 4.3346% | 3,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7277% | 1,891 |
| Loan loss allowance to noncurrent loans | 145.8292% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.8396% | 3,317 |
| Noncurrent loans to loans | 1.1847% | 2,690 |
| Net loans and leases to total assets | 69.6416% | 2,251 |
| Net loans and leases to deposits | 81.6523% | 2,468 |
| Net loans and leases to core deposits | 113.1195% | 615 |
| Total domestic deposits to total assets | 85.2904% | 3,221 |
| Equity capital to assets | 13.3723% | 1,248 |
| Core capital (leverage) ratio | 11.1945% | 2,312 |
| Tier 1 risk-based capital ratio | 14.9758% | 3,604 |
| Total risk-based capital ratio | 16.2312% | 3,525 |
| Memoranda: | ||
| Average total assets | $110,597,500 | 4,409 |
| Average earning assets | $101,178,500 | 4,410 |
| Average equity | $15,883,500 | 3,709 |
| Average total loans | $80,185,000 | 3,896 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0942% | 619 |
| Cost of funding earning assets | 0.3244% | 4,708 |
| Net interest margin | 4.7698% | 435 |
| Noninterest income to average assets | 0.4224% | 4,073 |
| Noninterest expense to average assets | 3.7998% | 974 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5582% | 4,555 |
| Return on assets (ROA) | 0.5570% | 4,665 |
| Pretax return on assets | 0.9906% | 3,515 |
| Return on Equity (ROE) | 3.7798% | 5,240 |
| Retained earnings to average equity (ytd only) | 3.7798% | 3,777 |
| Net charge-offs to loans | -0.0716% | 6,025 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2902% | 2,126 |
| Assets per employee ($millions) | 4.5806% | 2,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8283% | 1,768 |
| Loan loss allowance to noncurrent loans | 135.6946% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.9492% | 3,162 |
| Noncurrent loans to loans | 1.3474% | 2,556 |
| Net loans and leases to total assets | 69.1621% | 2,208 |
| Net loans and leases to deposits | 81.7027% | 2,283 |
| Net loans and leases to core deposits | 118.1752% | 417 |
| Total domestic deposits to total assets | 84.6509% | 3,659 |
| Equity capital to assets | 14.0506% | 950 |
| Core capital (leverage) ratio | 12.1048% | 1,603 |
| Tier 1 risk-based capital ratio | 15.1365% | 3,563 |
| Total risk-based capital ratio | 16.3939% | 3,507 |
| Memoranda: | ||
| Average total assets | $107,006,670 | 4,511 |
| Average earning assets | $98,033,000 | 4,526 |
| Average equity | $15,768,000 | 3,728 |
| Average total loans | $78,243,330 | 3,968 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2832% | 423 |
| Cost of funding earning assets | 0.3389% | 4,659 |
| Net interest margin | 4.9443% | 303 |
| Noninterest income to average assets | 0.5888% | 2,798 |
| Noninterest expense to average assets | 3.8972% | 864 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6893% | 3,744 |
| Return on assets (ROA) | 0.6818% | 3,854 |
| Pretax return on assets | 1.2009% | 2,483 |
| Return on Equity (ROE) | 4.5108% | 4,780 |
| Retained earnings to average equity (ytd only) | 4.5108% | 3,412 |
| Net charge-offs to loans | -0.0675% | 5,942 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2699% | 2,755 |
| Assets per employee ($millions) | 4.7617% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9197% | 1,697 |
| Loan loss allowance to noncurrent loans | 131.4131% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 1.0605% | 3,135 |
| Noncurrent loans to loans | 1.4608% | 2,598 |
| Net loans and leases to total assets | 71.2067% | 1,692 |
| Net loans and leases to deposits | 86.1104% | 1,596 |
| Net loans and leases to core deposits | 113.8127% | 469 |
| Total domestic deposits to total assets | 82.6923% | 4,719 |
| Equity capital to assets | 15.0405% | 664 |
| Core capital (leverage) ratio | 12.0846% | 1,606 |
| Tier 1 risk-based capital ratio | 15.9282% | 3,202 |
| Total risk-based capital ratio | 17.1861% | 3,155 |
| Memoranda: | ||
| Average total assets | $103,252,500 | 4,646 |
| Average earning assets | $94,412,500 | 4,673 |
| Average equity | $15,607,000 | 3,765 |
| Average total loans | $77,027,000 | 4,030 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4676% | 386 |
| Cost of funding earning assets | 0.2659% | 5,863 |
| Net interest margin | 5.2017% | 213 |
| Noninterest income to average assets | 0.5222% | 3,609 |
| Noninterest expense to average assets | 4.3908% | 579 |
| Loan and lease loss provision to assets | 0.2017% | 1,846 |
| Net operating income to assets | 5.2559% | 43 |
| Return on assets (ROA) | 5.2559% | 42 |
| Pretax return on assets | 0.7520% | 4,330 |
| Return on Equity (ROE) | 40.6293% | 27 |
| Retained earnings to average equity (ytd only) | 40.6293% | 14 |
| Net charge-offs to loans | 0.1819% | 3,014 |
| Credit loss provision to net charge-offs | 145.1613% | 1,607 |
| Earnings coverage of net charge-offs (x) | 6.8629% | 2,961 |
| Efficiency ratio | 82.1556% | 1,862 |
| Assets per employee ($millions) | 4.6249% | 2,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8551% | 1,909 |
| Loan loss allowance to noncurrent loans | 126.7075% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 1.1224% | 3,154 |
| Noncurrent loans to loans | 1.4641% | 2,695 |
| Net loans and leases to total assets | 75.2378% | 1,194 |
| Net loans and leases to deposits | 91.6100% | 1,100 |
| Net loans and leases to core deposits | 116.8142% | 400 |
| Total domestic deposits to total assets | 82.1284% | 4,828 |
| Equity capital to assets | 15.1924% | 642 |
| Core capital (leverage) ratio | 13.2905% | 1,027 |
| Tier 1 risk-based capital ratio | 15.4287% | 3,416 |
| Total risk-based capital ratio | 16.6869% | 3,359 |
| Memoranda: | ||
| Average total assets | $89,232,600 | 4,997 |
| Average earning assets | $82,723,000 | 4,960 |
| Average equity | $11,543,400 | 4,539 |
| Average total loans | $68,161,600 | 4,337 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5065% | 371 |
| Cost of funding earning assets | 0.2537% | 6,058 |
| Net interest margin | 5.2528% | 200 |
| Noninterest income to average assets | 0.5884% | 3,230 |
| Noninterest expense to average assets | 4.5169% | 510 |
| Loan and lease loss provision to assets | 0.2787% | 1,251 |
| Net operating income to assets | 0.6984% | 3,870 |
| Return on assets (ROA) | 0.6984% | 4,004 |
| Pretax return on assets | 0.6984% | 4,697 |
| Return on Equity (ROE) | 5.6918% | 4,352 |
| Retained earnings to average equity (ytd only) | 5.6918% | 2,606 |
| Net charge-offs to loans | 0.2597% | 2,259 |
| Credit loss provision to net charge-offs | 140.6250% | 1,670 |
| Earnings coverage of net charge-offs (x) | 4.9297% | 3,318 |
| Efficiency ratio | 82.2153% | 1,803 |
| Assets per employee ($millions) | 4.1903% | 3,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0972% | 1,508 |
| Loan loss allowance to noncurrent loans | 79.1552% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 1.9775% | 2,046 |
| Noncurrent loans to loans | 2.6495% | 1,596 |
| Net loans and leases to total assets | 73.0729% | 1,438 |
| Net loans and leases to deposits | 83.5324% | 1,934 |
| Net loans and leases to core deposits | 100.5193% | 1,078 |
| Total domestic deposits to total assets | 87.4786% | 2,429 |
| Equity capital to assets | 12.2491% | 1,747 |
| Core capital (leverage) ratio | 12.7302% | 1,313 |
| Tier 1 risk-based capital ratio | 16.8280% | 2,790 |
| Total risk-based capital ratio | 18.0889% | 2,737 |
| Memoranda: | ||
| Average total assets | $86,103,750 | 5,123 |
| Average earning assets | $80,411,750 | 5,080 |
| Average equity | $10,564,750 | 4,780 |
| Average total loans | $65,702,000 | 4,457 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5190% | 363 |
| Cost of funding earning assets | 0.2434% | 6,225 |
| Net interest margin | 5.2756% | 193 |
| Noninterest income to average assets | 0.5543% | 3,474 |
| Noninterest expense to average assets | 4.4935% | 529 |
| Loan and lease loss provision to assets | 0.4282% | 701 |
| Net operating income to assets | 0.5305% | 4,664 |
| Return on assets (ROA) | 0.5305% | 4,830 |
| Pretax return on assets | 0.5305% | 5,266 |
| Return on Equity (ROE) | 4.3207% | 5,087 |
| Retained earnings to average equity (ytd only) | 4.3207% | 3,529 |
| Net charge-offs to loans | 0.2876% | 2,044 |
| Credit loss provision to net charge-offs | 193.5484% | 1,223 |
| Earnings coverage of net charge-offs (x) | 4.3333% | 3,159 |
| Efficiency ratio | 82.4171% | 1,833 |
| Assets per employee ($millions) | 4.1883% | 3,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1449% | 1,537 |
| Loan loss allowance to noncurrent loans | 74.3087% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 3.9305% | 895 |
| Noncurrent loans to loans | 2.8865% | 1,561 |
| Net loans and leases to total assets | 76.6639% | 905 |
| Net loans and leases to deposits | 88.0642% | 1,331 |
| Net loans and leases to core deposits | 109.2888% | 592 |
| Total domestic deposits to total assets | 87.0546% | 2,790 |
| Equity capital to assets | 12.5782% | 1,529 |
| Core capital (leverage) ratio | 12.8931% | 1,205 |
| Tier 1 risk-based capital ratio | 16.3402% | 3,013 |
| Total risk-based capital ratio | 17.6024% | 2,967 |
| Memoranda: | ||
| Average total assets | $84,076,330 | 5,220 |
| Average earning assets | $78,057,000 | 5,167 |
| Average equity | $10,322,330 | 4,865 |
| Average total loans | $64,667,330 | 4,514 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3362% | 472 |
| Cost of funding earning assets | 0.2478% | 6,305 |
| Net interest margin | 5.0884% | 243 |
| Noninterest income to average assets | 0.4772% | 3,937 |
| Noninterest expense to average assets | 4.5826% | 505 |
| Loan and lease loss provision to assets | 0.3409% | 979 |
| Net operating income to assets | 0.2532% | 5,716 |
| Return on assets (ROA) | 0.2532% | 5,835 |
| Pretax return on assets | 0.2532% | 5,949 |
| Return on Equity (ROE) | 2.0900% | 5,910 |
| Retained earnings to average equity (ytd only) | 2.0900% | 4,961 |
| Net charge-offs to loans | -0.1663% | 6,633 |
| Credit loss provision to net charge-offs | -269.2308% | 5,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5230% | 1,274 |
| Assets per employee ($millions) | 4.0707% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3198% | 1,376 |
| Loan loss allowance to noncurrent loans | 66.3839% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 4.4581% | 837 |
| Noncurrent loans to loans | 3.4945% | 1,374 |
| Net loans and leases to total assets | 73.2465% | 1,175 |
| Net loans and leases to deposits | 84.4321% | 1,541 |
| Net loans and leases to core deposits | 106.2353% | 631 |
| Total domestic deposits to total assets | 86.7519% | 3,104 |
| Equity capital to assets | 11.6431% | 2,300 |
| Core capital (leverage) ratio | 11.9621% | 1,588 |
| Tier 1 risk-based capital ratio | 15.2346% | 3,686 |
| Total risk-based capital ratio | 16.4987% | 3,633 |
| Memoranda: | ||
| Average total assets | $82,137,500 | 5,316 |
| Average earning assets | $75,859,000 | 5,271 |
| Average equity | $9,952,000 | 4,994 |
| Average total loans | $62,547,500 | 4,616 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3965% | 764 |
| Cost of funding earning assets | 0.2852% | 6,524 |
| Net interest margin | 5.1113% | 319 |
| Noninterest income to average assets | 0.6123% | 3,216 |
| Noninterest expense to average assets | 4.8711% | 421 |
| Loan and lease loss provision to assets | 1.2924% | 268 |
| Net operating income to assets | -0.8508% | 6,687 |
| Return on assets (ROA) | -0.6086% | 6,647 |
| Pretax return on assets | -0.6086% | 6,619 |
| Return on Equity (ROE) | -5.6632% | 6,615 |
| Retained earnings to average equity (ytd only) | -5.6632% | 6,464 |
| Net charge-offs to loans | 2.8356% | 194 |
| Credit loss provision to net charge-offs | 61.6029% | 4,401 |
| Earnings coverage of net charge-offs (x) | 0.2105% | 5,371 |
| Efficiency ratio | 91.6863% | 942 |
| Assets per employee ($millions) | 3.9396% | 4,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2806% | 1,398 |
| Loan loss allowance to noncurrent loans | 56.0435% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 5.1440% | 742 |
| Noncurrent loans to loans | 4.0693% | 1,145 |
| Net loans and leases to total assets | 75.6470% | 972 |
| Net loans and leases to deposits | 90.3651% | 1,048 |
| Net loans and leases to core deposits | 108.3317% | 600 |
| Total domestic deposits to total assets | 83.7126% | 4,434 |
| Equity capital to assets | 12.6296% | 1,624 |
| Core capital (leverage) ratio | 12.4752% | 1,331 |
| Tier 1 risk-based capital ratio | 15.9226% | 3,201 |
| Total risk-based capital ratio | 17.1852% | 3,157 |
| Memoranda: | ||
| Average total assets | $79,694,000 | 5,360 |
| Average earning assets | $73,288,800 | 5,332 |
| Average equity | $8,564,000 | 5,346 |
| Average total loans | $58,965,400 | 4,754 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3645% | 897 |
| Cost of funding earning assets | 0.3050% | 6,593 |
| Net interest margin | 5.0595% | 365 |
| Noninterest income to average assets | 0.6473% | 3,006 |
| Noninterest expense to average assets | 4.8397% | 409 |
| Loan and lease loss provision to assets | 1.5849% | 195 |
| Net operating income to assets | -1.1278% | 6,895 |
| Return on assets (ROA) | -0.8742% | 6,851 |
| Pretax return on assets | -0.8742% | 6,824 |
| Return on Equity (ROE) | -8.5022% | 6,828 |
| Retained earnings to average equity (ytd only) | -8.5022% | 6,767 |
| Net charge-offs to loans | 3.7405% | 104 |
| Credit loss provision to net charge-offs | 57.9268% | 4,209 |
| Earnings coverage of net charge-offs (x) | 0.1671% | 5,247 |
| Efficiency ratio | 91.3701% | 933 |
| Assets per employee ($millions) | 3.5410% | 4,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2469% | 1,613 |
| Loan loss allowance to noncurrent loans | 61.2962% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 4.8420% | 930 |
| Noncurrent loans to loans | 3.6656% | 1,463 |
| Net loans and leases to total assets | 75.0032% | 1,112 |
| Net loans and leases to deposits | 87.4228% | 1,426 |
| Net loans and leases to core deposits | 107.5367% | 667 |
| Total domestic deposits to total assets | 85.7937% | 3,365 |
| Equity capital to assets | 12.4528% | 1,925 |
| Core capital (leverage) ratio | 12.1588% | 1,556 |
| Tier 1 risk-based capital ratio | 15.6609% | 3,447 |
| Total risk-based capital ratio | 16.9220% | 3,408 |
| Memoranda: | ||
| Average total assets | $79,919,750 | 5,404 |
| Average earning assets | $73,444,250 | 5,391 |
| Average equity | $8,217,250 | 5,493 |
| Average total loans | $58,458,250 | 4,822 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3793% | 907 |
| Cost of funding earning assets | 0.3352% | 6,574 |
| Net interest margin | 5.0441% | 372 |
| Noninterest income to average assets | 0.6601% | 2,892 |
| Noninterest expense to average assets | 4.8814% | 413 |
| Loan and lease loss provision to assets | 2.2086% | 110 |
| Net operating income to assets | -1.7992% | 7,050 |
| Return on assets (ROA) | -1.4691% | 7,028 |
| Pretax return on assets | -1.4691% | 6,999 |
| Return on Equity (ROE) | -15.3315% | 6,977 |
| Retained earnings to average equity (ytd only) | -15.3315% | 6,940 |
| Net charge-offs to loans | 5.3154% | 53 |
| Credit loss provision to net charge-offs | 57.7173% | 3,861 |
| Earnings coverage of net charge-offs (x) | 0.1070% | 5,026 |
| Efficiency ratio | 92.2608% | 917 |
| Assets per employee ($millions) | 3.4142% | 5,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4740% | 1,319 |
| Loan loss allowance to noncurrent loans | 58.6910% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 5.0097% | 951 |
| Noncurrent loans to loans | 4.2153% | 1,292 |
| Net loans and leases to total assets | 69.3265% | 2,046 |
| Net loans and leases to deposits | 77.1258% | 2,817 |
| Net loans and leases to core deposits | 98.8058% | 1,191 |
| Total domestic deposits to total assets | 89.8876% | 989 |
| Equity capital to assets | 9.6578% | 4,814 |
| Core capital (leverage) ratio | 9.2542% | 4,523 |
| Tier 1 risk-based capital ratio | 12.9884% | 5,201 |
| Total risk-based capital ratio | 14.2534% | 5,161 |
| Memoranda: | ||
| Average total assets | $80,592,330 | 5,413 |
| Average earning assets | $73,987,000 | 5,396 |
| Average equity | $7,722,670 | 5,648 |
| Average total loans | $58,020,330 | 4,871 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3631% | 978 |
| Cost of funding earning assets | 0.3671% | 6,560 |
| Net interest margin | 4.9960% | 402 |
| Noninterest income to average assets | 0.6959% | 2,678 |
| Noninterest expense to average assets | 4.8662% | 406 |
| Loan and lease loss provision to assets | 3.9694% | 31 |
| Net operating income to assets | -3.5381% | 7,244 |
| Return on assets (ROA) | -3.4156% | 7,241 |
| Pretax return on assets | -3.4156% | 7,229 |
| Return on Equity (ROE) | -35.7803% | 7,186 |
| Retained earnings to average equity (ytd only) | -35.7803% | 7,166 |
| Net charge-offs to loans | 5.9337% | 66 |
| Credit loss provision to net charge-offs | 92.3603% | 2,506 |
| Earnings coverage of net charge-offs (x) | 0.1003% | 4,319 |
| Efficiency ratio | 91.8594% | 952 |
| Assets per employee ($millions) | 3.5964% | 4,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4401% | 558 |
| Loan loss allowance to noncurrent loans | 63.0128% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 5.6832% | 854 |
| Noncurrent loans to loans | 5.4594% | 978 |
| Net loans and leases to total assets | 66.7130% | 2,346 |
| Net loans and leases to deposits | 75.6740% | 2,849 |
| Net loans and leases to core deposits | 100.4204% | 966 |
| Total domestic deposits to total assets | 88.1584% | 2,214 |
| Equity capital to assets | 8.9595% | 5,558 |
| Core capital (leverage) ratio | 9.0203% | 4,811 |
| Tier 1 risk-based capital ratio | 12.5604% | 5,557 |
| Total risk-based capital ratio | 13.8369% | 5,498 |
| Memoranda: | ||
| Average total assets | $81,625,000 | 5,423 |
| Average earning assets | $75,180,500 | 5,393 |
| Average equity | $7,792,000 | 5,659 |
| Average total loans | $59,120,000 | 4,851 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7746% | 674 |
| Cost of funding earning assets | 0.5685% | 6,250 |
| Net interest margin | 5.2061% | 281 |
| Noninterest income to average assets | 0.2748% | 5,565 |
| Noninterest expense to average assets | 4.5237% | 581 |
| Loan and lease loss provision to assets | 0.7672% | 1,298 |
| Net operating income to assets | -0.1689% | 6,225 |
| Return on assets (ROA) | 0.1891% | 5,751 |
| Pretax return on assets | 0.1891% | 5,815 |
| Return on Equity (ROE) | 1.9825% | 5,667 |
| Retained earnings to average equity (ytd only) | 1.9825% | 4,804 |
| Net charge-offs to loans | 0.8413% | 2,061 |
| Credit loss provision to net charge-offs | 118.5662% | 2,705 |
| Earnings coverage of net charge-offs (x) | 0.9246% | 5,108 |
| Efficiency ratio | 88.3186% | 1,336 |
| Assets per employee ($millions) | 3.6606% | 4,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3278% | 608 |
| Loan loss allowance to noncurrent loans | 49.8896% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 5.4810% | 938 |
| Noncurrent loans to loans | 6.6704% | 690 |
| Net loans and leases to total assets | 73.3339% | 1,387 |
| Net loans and leases to deposits | 84.4265% | 1,869 |
| Net loans and leases to core deposits | 110.3723% | 610 |
| Total domestic deposits to total assets | 86.8613% | 2,840 |
| Equity capital to assets | 10.1486% | 3,973 |
| Core capital (leverage) ratio | 10.0088% | 3,333 |
| Tier 1 risk-based capital ratio | 13.4613% | 4,725 |
| Total risk-based capital ratio | 14.7371% | 4,667 |
| Memoranda: | ||
| Average total assets | $84,068,400 | 5,337 |
| Average earning assets | $78,274,200 | 5,284 |
| Average equity | $8,020,000 | 5,563 |
| Average total loans | $64,663,200 | 4,695 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8069% | 694 |
| Cost of funding earning assets | 0.6228% | 6,167 |
| Net interest margin | 5.1841% | 298 |
| Noninterest income to average assets | 0.2590% | 5,770 |
| Noninterest expense to average assets | 4.5546% | 549 |
| Loan and lease loss provision to assets | 0.7533% | 1,261 |
| Net operating income to assets | -0.2025% | 6,388 |
| Return on assets (ROA) | 0.1491% | 5,955 |
| Pretax return on assets | 0.1491% | 6,001 |
| Return on Equity (ROE) | 1.5869% | 5,912 |
| Retained earnings to average equity (ytd only) | 1.5869% | 5,347 |
| Net charge-offs to loans | 1.0413% | 1,536 |
| Credit loss provision to net charge-offs | 93.7500% | 3,635 |
| Earnings coverage of net charge-offs (x) | 0.6855% | 5,112 |
| Efficiency ratio | 89.2100% | 1,224 |
| Assets per employee ($millions) | 3.7568% | 4,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0118% | 853 |
| Loan loss allowance to noncurrent loans | 98.0898% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 3.6564% | 1,716 |
| Noncurrent loans to loans | 3.0705% | 2,257 |
| Net loans and leases to total assets | 74.0299% | 1,324 |
| Net loans and leases to deposits | 82.5898% | 2,240 |
| Net loans and leases to core deposits | 106.8006% | 825 |
| Total domestic deposits to total assets | 89.6357% | 1,076 |
| Equity capital to assets | 9.8670% | 4,523 |
| Core capital (leverage) ratio | 9.7110% | 3,830 |
| Tier 1 risk-based capital ratio | 12.7963% | 5,251 |
| Total risk-based capital ratio | 14.0675% | 5,217 |
| Memoranda: | ||
| Average total assets | $84,952,250 | 5,355 |
| Average earning assets | $79,420,250 | 5,286 |
| Average equity | $7,981,750 | 5,607 |
| Average total loans | $65,556,250 | 4,694 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8094% | 710 |
| Cost of funding earning assets | 0.6538% | 6,208 |
| Net interest margin | 5.1556% | 302 |
| Noninterest income to average assets | 0.2520% | 5,845 |
| Noninterest expense to average assets | 4.5824% | 545 |
| Loan and lease loss provision to assets | 0.5950% | 1,624 |
| Net operating income to assets | -0.0863% | 6,333 |
| Return on assets (ROA) | -0.0863% | 6,389 |
| Pretax return on assets | -0.0863% | 6,349 |
| Return on Equity (ROE) | -0.9339% | 6,396 |
| Retained earnings to average equity (ytd only) | -0.9339% | 6,040 |
| Net charge-offs to loans | 1.6029% | 915 |
| Credit loss provision to net charge-offs | 47.9323% | 4,635 |
| Earnings coverage of net charge-offs (x) | 0.4098% | 4,997 |
| Efficiency ratio | 90.0092% | 1,238 |
| Assets per employee ($millions) | 3.5254% | 4,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6379% | 1,259 |
| Loan loss allowance to noncurrent loans | 66.1471% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 3.4169% | 1,932 |
| Noncurrent loans to loans | 3.9879% | 1,739 |
| Net loans and leases to total assets | 72.1968% | 1,752 |
| Net loans and leases to deposits | 81.2171% | 2,573 |
| Net loans and leases to core deposits | 102.8211% | 1,130 |
| Total domestic deposits to total assets | 88.8936% | 1,604 |
| Equity capital to assets | 9.4446% | 4,901 |
| Core capital (leverage) ratio | 9.3264% | 4,212 |
| Tier 1 risk-based capital ratio | 12.6147% | 5,247 |
| Total risk-based capital ratio | 13.8821% | 5,201 |
| Memoranda: | ||
| Average total assets | $85,720,000 | 5,376 |
| Average earning assets | $80,455,670 | 5,309 |
| Average equity | $7,924,000 | 5,637 |
| Average total loans | $66,380,000 | 4,710 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0156% | 455 |
| Cost of funding earning assets | 0.6932% | 6,171 |
| Net interest margin | 5.3225% | 217 |
| Noninterest income to average assets | 0.2411% | 5,974 |
| Noninterest expense to average assets | 4.7198% | 468 |
| Loan and lease loss provision to assets | 0.6027% | 1,426 |
| Net operating income to assets | -0.0974% | 6,455 |
| Return on assets (ROA) | -0.0974% | 6,474 |
| Pretax return on assets | -0.0974% | 6,445 |
| Return on Equity (ROE) | -1.0646% | 6,490 |
| Retained earnings to average equity (ytd only) | -1.0646% | 5,997 |
| Net charge-offs to loans | 1.3666% | 1,009 |
| Credit loss provision to net charge-offs | 55.7940% | 3,631 |
| Earnings coverage of net charge-offs (x) | 0.4678% | 4,270 |
| Efficiency ratio | 90.3283% | 1,308 |
| Assets per employee ($millions) | 3.4958% | 5,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8014% | 1,112 |
| Loan loss allowance to noncurrent loans | 57.8614% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 4.2337% | 1,553 |
| Noncurrent loans to loans | 4.8416% | 1,406 |
| Net loans and leases to total assets | 75.6395% | 1,084 |
| Net loans and leases to deposits | 85.0978% | 1,864 |
| Net loans and leases to core deposits | 108.2473% | 833 |
| Total domestic deposits to total assets | 88.8853% | 1,850 |
| Equity capital to assets | 9.3888% | 4,596 |
| Core capital (leverage) ratio | 9.0347% | 4,562 |
| Tier 1 risk-based capital ratio | 12.5075% | 5,256 |
| Total risk-based capital ratio | 13.7784% | 5,219 |
| Memoranda: | ||
| Average total assets | $86,275,500 | 5,400 |
| Average earning assets | $80,789,500 | 5,334 |
| Average equity | $7,890,500 | 5,650 |
| Average total loans | $68,200,000 | 4,679 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9599% | 925 |
| Cost of funding earning assets | 0.9966% | 5,714 |
| Net interest margin | 4.9633% | 473 |
| Noninterest income to average assets | 0.3329% | 5,406 |
| Noninterest expense to average assets | 4.4272% | 699 |
| Loan and lease loss provision to assets | 4.5329% | 104 |
| Net operating income to assets | -3.9590% | 7,433 |
| Return on assets (ROA) | -3.4058% | 7,373 |
| Pretax return on assets | -3.4058% | 7,350 |
| Return on Equity (ROE) | -38.9288% | 7,337 |
| Retained earnings to average equity (ytd only) | -38.9288% | 7,330 |
| Net charge-offs to loans | 5.2071% | 159 |
| Credit loss provision to net charge-offs | 116.0303% | 3,711 |
| Earnings coverage of net charge-offs (x) | 0.1469% | 5,969 |
| Efficiency ratio | 88.5246% | 1,438 |
| Assets per employee ($millions) | 4.2216% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7169% | 1,145 |
| Loan loss allowance to noncurrent loans | 96.5517% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 3.3625% | 2,085 |
| Noncurrent loans to loans | 2.8139% | 2,709 |
| Net loans and leases to total assets | 78.0335% | 940 |
| Net loans and leases to deposits | 87.2327% | 1,906 |
| Net loans and leases to core deposits | 109.0515% | 982 |
| Total domestic deposits to total assets | 89.4544% | 1,410 |
| Equity capital to assets | 8.9157% | 5,263 |
| Core capital (leverage) ratio | 8.2220% | 5,798 |
| Tier 1 risk-based capital ratio | 11.2966% | 6,093 |
| Total risk-based capital ratio | 12.5651% | 6,066 |
| Memoranda: | ||
| Average total assets | $101,238,200 | 4,948 |
| Average earning assets | $95,219,200 | 4,860 |
| Average equity | $8,857,200 | 5,462 |
| Average total loans | $75,953,400 | 4,457 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9351% | 1,063 |
| Cost of funding earning assets | 1.0353% | 5,774 |
| Net interest margin | 4.8998% | 553 |
| Noninterest income to average assets | 0.3155% | 5,625 |
| Noninterest expense to average assets | 4.4820% | 612 |
| Loan and lease loss provision to assets | 3.8434% | 173 |
| Net operating income to assets | -3.3976% | 7,503 |
| Return on assets (ROA) | -3.2443% | 7,496 |
| Pretax return on assets | -3.2443% | 7,467 |
| Return on Equity (ROE) | -37.2336% | 7,468 |
| Retained earnings to average equity (ytd only) | -37.2336% | 7,465 |
| Net charge-offs to loans | 4.9625% | 180 |
| Credit loss provision to net charge-offs | 104.7702% | 4,091 |
| Earnings coverage of net charge-offs (x) | 0.1215% | 5,898 |
| Efficiency ratio | 90.9539% | 1,213 |
| Assets per employee ($millions) | 4.7472% | 2,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9982% | 2,227 |
| Loan loss allowance to noncurrent loans | 88.8545% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 3.2169% | 2,220 |
| Noncurrent loans to loans | 2.2488% | 3,390 |
| Net loans and leases to total assets | 70.5981% | 2,591 |
| Net loans and leases to deposits | 82.0079% | 3,103 |
| Net loans and leases to core deposits | 103.0469% | 1,563 |
| Total domestic deposits to total assets | 86.0870% | 3,029 |
| Equity capital to assets | 9.1513% | 5,383 |
| Core capital (leverage) ratio | 8.4321% | 5,639 |
| Tier 1 risk-based capital ratio | 12.3101% | 5,169 |
| Total risk-based capital ratio | 13.5667% | 5,141 |
| Memoranda: | ||
| Average total assets | $104,384,500 | 4,922 |
| Average earning assets | $98,260,500 | 4,832 |
| Average equity | $9,095,500 | 5,466 |
| Average total loans | $77,164,000 | 4,493 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9186% | 1,139 |
| Cost of funding earning assets | 1.0792% | 5,789 |
| Net interest margin | 4.8394% | 613 |
| Noninterest income to average assets | 0.3624% | 5,246 |
| Noninterest expense to average assets | 4.2605% | 755 |
| Loan and lease loss provision to assets | 2.3577% | 493 |
| Net operating income to assets | -1.6933% | 7,213 |
| Return on assets (ROA) | -1.5819% | 7,193 |
| Pretax return on assets | -1.5819% | 7,110 |
| Return on Equity (ROE) | -18.4453% | 7,241 |
| Retained earnings to average equity (ytd only) | -18.4453% | 7,214 |
| Net charge-offs to loans | 1.4921% | 1,284 |
| Credit loss provision to net charge-offs | 212.0543% | 1,835 |
| Earnings coverage of net charge-offs (x) | 0.5976% | 5,140 |
| Efficiency ratio | 86.5082% | 1,654 |
| Assets per employee ($millions) | 4.6826% | 2,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4567% | 1,354 |
| Loan loss allowance to noncurrent loans | 43.3282% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 5.5339% | 1,111 |
| Noncurrent loans to loans | 5.6700% | 1,151 |
| Net loans and leases to total assets | 72.1838% | 2,345 |
| Net loans and leases to deposits | 85.0830% | 2,687 |
| Net loans and leases to core deposits | 109.4110% | 1,207 |
| Total domestic deposits to total assets | 84.8394% | 3,712 |
| Equity capital to assets | 8.8449% | 5,676 |
| Core capital (leverage) ratio | 8.6527% | 5,151 |
| Tier 1 risk-based capital ratio | 11.7830% | 5,511 |
| Total risk-based capital ratio | 13.0444% | 5,463 |
| Memoranda: | ||
| Average total assets | $105,949,000 | 4,913 |
| Average earning assets | $99,888,000 | 4,812 |
| Average equity | $9,086,330 | 5,480 |
| Average total loans | $78,947,000 | 4,475 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8685% | 1,277 |
| Cost of funding earning assets | 1.1366% | 5,725 |
| Net interest margin | 4.7319% | 727 |
| Noninterest income to average assets | 0.3045% | 5,711 |
| Noninterest expense to average assets | 4.5530% | 548 |
| Loan and lease loss provision to assets | 3.9934% | 217 |
| Net operating income to assets | -3.7726% | 7,701 |
| Return on assets (ROA) | -3.6927% | 7,698 |
| Pretax return on assets | -3.6927% | 7,662 |
| Return on Equity (ROE) | -43.7602% | 7,676 |
| Retained earnings to average equity (ytd only) | -43.7602% | 7,663 |
| Net charge-offs to loans | 3.0139% | 511 |
| Credit loss provision to net charge-offs | 177.1959% | 2,059 |
| Earnings coverage of net charge-offs (x) | 0.0980% | 4,945 |
| Efficiency ratio | 95.3748% | 1,062 |
| Assets per employee ($millions) | 4.5710% | 2,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2020% | 1,748 |
| Loan loss allowance to noncurrent loans | 34.3310% | 6,096 |
| Noncurrent assets plus other real estate owned to assets | 6.2320% | 941 |
| Noncurrent loans to loans | 6.4140% | 978 |
| Net loans and leases to total assets | 74.1397% | 1,941 |
| Net loans and leases to deposits | 88.6929% | 2,097 |
| Net loans and leases to core deposits | 114.2719% | 1,031 |
| Total domestic deposits to total assets | 83.5914% | 4,347 |
| Equity capital to assets | 8.1344% | 6,503 |
| Core capital (leverage) ratio | 8.0454% | 6,171 |
| Tier 1 risk-based capital ratio | 10.4833% | 6,647 |
| Total risk-based capital ratio | 11.7451% | 6,625 |
| Memoranda: | ||
| Average total assets | $105,073,500 | 5,007 |
| Average earning assets | $99,241,000 | 4,900 |
| Average equity | $8,866,500 | 5,578 |
| Average total loans | $78,570,500 | 4,558 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7769% | 2,757 |
| Cost of funding earning assets | 1.6828% | 4,599 |
| Net interest margin | 4.0941% | 2,483 |
| Noninterest income to average assets | 0.4719% | 4,639 |
| Noninterest expense to average assets | 4.9312% | 548 |
| Loan and lease loss provision to assets | 1.9727% | 1,102 |
| Net operating income to assets | -2.5392% | 7,279 |
| Return on assets (ROA) | -2.3149% | 7,208 |
| Pretax return on assets | -2.3149% | 7,070 |
| Return on Equity (ROE) | -21.5665% | 7,193 |
| Retained earnings to average equity (ytd only) | -21.5665% | 7,162 |
| Net charge-offs to loans | 1.7031% | 1,481 |
| Credit loss provision to net charge-offs | 156.9703% | 2,874 |
| Earnings coverage of net charge-offs (x) | -0.4507% | 6,661 |
| Efficiency ratio | 112.9783% | 742 |
| Assets per employee ($millions) | 4.3755% | 3,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6761% | 2,982 |
| Loan loss allowance to noncurrent loans | 139.2704% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 2.3178% | 2,983 |
| Noncurrent loans to loans | 1.2035% | 4,935 |
| Net loans and leases to total assets | 72.5072% | 2,631 |
| Net loans and leases to deposits | 86.8131% | 2,775 |
| Net loans and leases to core deposits | 135.4551% | 979 |
| Total domestic deposits to total assets | 83.5211% | 4,269 |
| Equity capital to assets | 8.7427% | 5,525 |
| Core capital (leverage) ratio | 9.3297% | 3,929 |
| Tier 1 risk-based capital ratio | 11.1970% | 5,723 |
| Total risk-based capital ratio | 12.4514% | 5,671 |
| Memoranda: | ||
| Average total assets | $85,618,600 | 5,539 |
| Average earning assets | $81,410,600 | 5,414 |
| Average equity | $9,190,200 | 5,550 |
| Average total loans | $63,179,400 | 5,129 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7085% | 3,297 |
| Cost of funding earning assets | 1.8115% | 4,335 |
| Net interest margin | 3.8970% | 3,244 |
| Noninterest income to average assets | 0.4820% | 4,649 |
| Noninterest expense to average assets | 5.3022% | 405 |
| Loan and lease loss provision to assets | 2.4844% | 669 |
| Net operating income to assets | -3.5936% | 7,698 |
| Return on assets (ROA) | -3.3312% | 7,662 |
| Pretax return on assets | -3.3312% | 7,577 |
| Return on Equity (ROE) | -29.2695% | 7,591 |
| Retained earnings to average equity (ytd only) | -29.2695% | 7,581 |
| Net charge-offs to loans | 1.1809% | 1,716 |
| Credit loss provision to net charge-offs | 285.0379% | 1,470 |
| Earnings coverage of net charge-offs (x) | -1.2727% | 6,675 |
| Efficiency ratio | 126.4567% | 514 |
| Assets per employee ($millions) | 3.2875% | 5,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3080% | 1,287 |
| Loan loss allowance to noncurrent loans | 59.2091% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 3.2276% | 2,102 |
| Noncurrent loans to loans | 3.8981% | 1,889 |
| Net loans and leases to total assets | 76.4237% | 1,912 |
| Net loans and leases to deposits | 92.8907% | 2,078 |
| Net loans and leases to core deposits | 153.9950% | 496 |
| Total domestic deposits to total assets | 82.2727% | 4,557 |
| Equity capital to assets | 8.7691% | 5,852 |
| Core capital (leverage) ratio | 8.8755% | 4,851 |
| Tier 1 risk-based capital ratio | 10.8093% | 6,146 |
| Total risk-based capital ratio | 12.0709% | 6,095 |
| Memoranda: | ||
| Average total assets | $80,770,000 | 5,736 |
| Average earning assets | $76,912,250 | 5,598 |
| Average equity | $9,192,500 | 5,596 |
| Average total loans | $59,614,250 | 5,303 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6016% | 4,070 |
| Cost of funding earning assets | 1.9545% | 3,981 |
| Net interest margin | 3.6470% | 4,182 |
| Noninterest income to average assets | 0.4727% | 4,691 |
| Noninterest expense to average assets | 5.5214% | 375 |
| Loan and lease loss provision to assets | 0.9635% | 1,754 |
| Net operating income to assets | -2.5425% | 7,569 |
| Return on assets (ROA) | -2.1841% | 7,470 |
| Pretax return on assets | -2.1841% | 7,341 |
| Return on Equity (ROE) | -17.5831% | 7,443 |
| Retained earnings to average equity (ytd only) | -17.5831% | 7,377 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.0527% | 430 |
| Assets per employee ($millions) | 3.1161% | 5,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7048% | 2,331 |
| Loan loss allowance to noncurrent loans | 39.5506% | 5,753 |
| Noncurrent assets plus other real estate owned to assets | 3.2481% | 1,924 |
| Noncurrent loans to loans | 4.3106% | 1,517 |
| Net loans and leases to total assets | 69.7814% | 3,758 |
| Net loans and leases to deposits | 83.9585% | 3,884 |
| Net loans and leases to core deposits | 135.9769% | 1,210 |
| Total domestic deposits to total assets | 83.1142% | 4,188 |
| Equity capital to assets | 10.4343% | 3,483 |
| Core capital (leverage) ratio | 11.3730% | 2,147 |
| Tier 1 risk-based capital ratio | 13.7716% | 3,639 |
| Total risk-based capital ratio | 15.0260% | 3,574 |
| Memoranda: | ||
| Average total assets | $77,010,000 | 5,893 |
| Average earning assets | $73,265,330 | 5,778 |
| Average equity | $9,566,000 | 5,495 |
| Average total loans | $55,482,330 | 5,534 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6205% | 4,234 |
| Cost of funding earning assets | 2.1993% | 3,170 |
| Net interest margin | 3.4212% | 5,050 |
| Noninterest income to average assets | 0.2337% | 6,594 |
| Noninterest expense to average assets | 5.7644% | 321 |
| Loan and lease loss provision to assets | 1.1685% | 1,112 |
| Net operating income to assets | -3.4275% | 7,906 |
| Return on assets (ROA) | -2.8043% | 7,816 |
| Pretax return on assets | -2.8043% | 7,717 |
| Return on Equity (ROE) | -20.5777% | 7,767 |
| Retained earnings to average equity (ytd only) | -20.5777% | 7,661 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 164.4444% | 288 |
| Assets per employee ($millions) | 2.6523% | 6,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6106% | 2,474 |
| Loan loss allowance to noncurrent loans | 59.9464% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 2.2312% | 2,568 |
| Noncurrent loans to loans | 2.6867% | 2,447 |
| Net loans and leases to total assets | 73.6211% | 2,862 |
| Net loans and leases to deposits | 90.8961% | 2,793 |
| Net loans and leases to core deposits | 156.9874% | 546 |
| Total domestic deposits to total assets | 80.9948% | 4,973 |
| Equity capital to assets | 12.7787% | 1,845 |
| Core capital (leverage) ratio | 13.1011% | 1,451 |
| Tier 1 risk-based capital ratio | 16.2407% | 2,601 |
| Total risk-based capital ratio | 17.4951% | 2,540 |
| Memoranda: | ||
| Average total assets | $71,889,500 | 6,071 |
| Average earning assets | $68,748,500 | 5,958 |
| Average equity | $9,797,000 | 5,451 |
| Average total loans | $52,253,000 | 5,706 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2327% | 4,339 |
| Cost of funding earning assets | 2.4832% | 4,294 |
| Net interest margin | 3.7494% | 4,229 |
| Noninterest income to average assets | 0.1090% | 7,588 |
| Noninterest expense to average assets | 6.7772% | 303 |
| Loan and lease loss provision to assets | 1.3550% | 1,037 |
| Net operating income to assets | -4.4348% | 8,046 |
| Return on assets (ROA) | -5.5034% | 8,112 |
| Pretax return on assets | -5.5034% | 8,063 |
| Return on Equity (ROE) | -22.6079% | 7,816 |
| Retained earnings to average equity (ytd only) | -22.6079% | 7,750 |
| Net charge-offs to loans | 0.5001% | 2,365 |
| Credit loss provision to net charge-offs | 364.3678% | 1,213 |
| Earnings coverage of net charge-offs (x) | -8.2816% | 6,881 |
| Efficiency ratio | 183.2948% | 234 |
| Assets per employee ($millions) | 2.4827% | 7,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 3,199 |
| Loan loss allowance to noncurrent loans | 417.6829% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 6,628 |
| Noncurrent loans to loans | 0.3351% | 6,377 |
| Net loans and leases to total assets | 69.4124% | 4,162 |
| Net loans and leases to deposits | 88.1412% | 3,784 |
| Net loans and leases to core deposits | 151.1133% | 815 |
| Total domestic deposits to total assets | 78.7513% | 5,464 |
| Equity capital to assets | 14.5350% | 1,288 |
| Core capital (leverage) ratio | 15.2102% | 977 |
| Tier 1 risk-based capital ratio | 19.1827% | 1,771 |
| Total risk-based capital ratio | 20.4344% | 1,730 |
| Memoranda: | ||
| Average total assets | $46,789,200 | 6,906 |
| Average earning assets | $44,780,200 | 6,823 |
| Average equity | $11,389,800 | 5,008 |
| Average total loans | $34,791,000 | 6,442 |