Home > State Bank of Delano > Performance and Condition Ratios
State Bank of Delano, 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 | 3.3890% | 5,052 |
| Cost of funding earning assets | 0.1174% | 5,356 |
| Net interest margin | 3.2715% | 4,328 |
| Noninterest income to average assets | 0.5274% | 2,708 |
| Noninterest expense to average assets | 2.4708% | 3,713 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1052% | 2,562 |
| Return on assets (ROA) | 1.1052% | 2,568 |
| Pretax return on assets | 1.1052% | 3,295 |
| Return on Equity (ROE) | 12.7466% | 1,463 |
| Retained earnings to average equity (ytd only) | 12.7466% | 422 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0942% | 2,466 |
| Assets per employee ($millions) | 4.6810% | 2,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 2,030 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5715% | 2,516 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 41.5969% | 4,999 |
| Net loans and leases to deposits | 46.1842% | 5,093 |
| Net loans and leases to core deposits | 46.1842% | 5,143 |
| Total domestic deposits to total assets | 90.0673% | 549 |
| Equity capital to assets | 8.7193% | 4,780 |
| Core capital (leverage) ratio | 9.1970% | 4,468 |
| Tier 1 risk-based capital ratio | 17.8251% | 1,851 |
| Total risk-based capital ratio | 18.9356% | 1,850 |
| Memoranda: | ||
| Average total assets | $91,385,670 | 4,331 |
| Average earning assets | $85,159,000 | 4,312 |
| Average equity | $7,923,670 | 4,709 |
| Average total loans | $37,888,000 | 4,708 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3087% | 5,129 |
| Cost of funding earning assets | 0.1143% | 5,412 |
| Net interest margin | 3.1945% | 4,481 |
| Noninterest income to average assets | 0.5096% | 2,749 |
| Noninterest expense to average assets | 2.4948% | 3,665 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9882% | 2,900 |
| Return on assets (ROA) | 0.9882% | 2,930 |
| Pretax return on assets | 0.9882% | 3,576 |
| Return on Equity (ROE) | 11.4300% | 1,798 |
| Retained earnings to average equity (ytd only) | 11.4300% | 802 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6285% | 2,244 |
| Assets per employee ($millions) | 4.5438% | 3,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4318% | 1,722 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5887% | 2,559 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 39.7700% | 5,078 |
| Net loans and leases to deposits | 44.1670% | 5,156 |
| Net loans and leases to core deposits | 44.1670% | 5,207 |
| Total domestic deposits to total assets | 90.0446% | 642 |
| Equity capital to assets | 8.6536% | 4,857 |
| Core capital (leverage) ratio | 9.1635% | 4,488 |
| Tier 1 risk-based capital ratio | 18.1472% | 1,790 |
| Total risk-based capital ratio | 19.3169% | 1,765 |
| Memoranda: | ||
| Average total assets | $90,268,500 | 4,393 |
| Average earning assets | $84,020,000 | 4,373 |
| Average equity | $7,804,000 | 4,779 |
| Average total loans | $37,098,000 | 4,778 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4014% | 4,937 |
| Cost of funding earning assets | 0.1182% | 5,422 |
| Net interest margin | 3.2832% | 4,207 |
| Noninterest income to average assets | 0.9033% | 1,258 |
| Noninterest expense to average assets | 2.9019% | 2,450 |
| Loan and lease loss provision to assets | -0.1143% | 5,493 |
| Net operating income to assets | 1.1320% | 1,748 |
| Return on assets (ROA) | 1.1320% | 1,777 |
| Pretax return on assets | 1.1320% | 3,054 |
| Return on Equity (ROE) | 13.4786% | 852 |
| Retained earnings to average equity (ytd only) | 13.4786% | 118 |
| Net charge-offs to loans | -0.1971% | 5,521 |
| Credit loss provision to net charge-offs | 133.3333% | 1,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0373% | 1,889 |
| Assets per employee ($millions) | 4.4831% | 3,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 1,776 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5967% | 2,567 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 41.2717% | 5,089 |
| Net loans and leases to deposits | 45.8107% | 5,200 |
| Net loans and leases to core deposits | 45.8107% | 5,241 |
| Total domestic deposits to total assets | 90.0917% | 538 |
| Equity capital to assets | 8.6369% | 4,999 |
| Core capital (leverage) ratio | 8.8179% | 4,845 |
| Tier 1 risk-based capital ratio | 17.0380% | 2,077 |
| Total risk-based capital ratio | 18.1672% | 2,061 |
| Memoranda: | ||
| Average total assets | $87,459,400 | 4,468 |
| Average earning assets | $80,349,400 | 4,458 |
| Average equity | $7,345,000 | 4,888 |
| Average total loans | $38,045,800 | 4,789 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4260% | 4,927 |
| Cost of funding earning assets | 0.1192% | 5,482 |
| Net interest margin | 3.3068% | 4,154 |
| Noninterest income to average assets | 0.7517% | 1,776 |
| Noninterest expense to average assets | 2.7906% | 2,759 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9834% | 2,625 |
| Return on assets (ROA) | 0.9834% | 2,687 |
| Pretax return on assets | 0.9834% | 3,752 |
| Return on Equity (ROE) | 11.7960% | 1,398 |
| Retained earnings to average equity (ytd only) | 11.7960% | 313 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9431% | 1,901 |
| Assets per employee ($millions) | 4.7181% | 2,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4314% | 1,774 |
| Loan loss allowance to noncurrent loans | 7,857.1429% | 111 |
| Noncurrent assets plus other real estate owned to assets | 1.2393% | 1,313 |
| Noncurrent loans to loans | 0.0182% | 5,057 |
| Net loans and leases to total assets | 42.2505% | 5,103 |
| Net loans and leases to deposits | 46.8194% | 5,231 |
| Net loans and leases to core deposits | 46.8194% | 5,290 |
| Total domestic deposits to total assets | 90.2414% | 397 |
| Equity capital to assets | 8.3787% | 5,355 |
| Core capital (leverage) ratio | 8.6106% | 5,148 |
| Tier 1 risk-based capital ratio | 15.8746% | 2,559 |
| Total risk-based capital ratio | 17.0276% | 2,537 |
| Memoranda: | ||
| Average total assets | $86,908,750 | 4,516 |
| Average earning assets | $79,429,250 | 4,516 |
| Average equity | $7,245,250 | 4,955 |
| Average total loans | $38,174,750 | 4,835 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4563% | 4,859 |
| Cost of funding earning assets | 0.1149% | 5,537 |
| Net interest margin | 3.3414% | 3,978 |
| Noninterest income to average assets | 0.6791% | 2,085 |
| Noninterest expense to average assets | 2.8001% | 2,763 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9233% | 2,789 |
| Return on assets (ROA) | 0.9233% | 2,847 |
| Pretax return on assets | 0.9233% | 3,854 |
| Return on Equity (ROE) | 11.0945% | 1,606 |
| Retained earnings to average equity (ytd only) | 11.0945% | 425 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2030% | 1,827 |
| Assets per employee ($millions) | 4.8367% | 2,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4295% | 1,819 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2681% | 1,315 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 43.5631% | 5,066 |
| Net loans and leases to deposits | 48.3553% | 5,199 |
| Net loans and leases to core deposits | 48.3553% | 5,272 |
| Total domestic deposits to total assets | 90.0896% | 509 |
| Equity capital to assets | 8.5665% | 5,256 |
| Core capital (leverage) ratio | 8.7561% | 4,999 |
| Tier 1 risk-based capital ratio | 15.5964% | 2,668 |
| Total risk-based capital ratio | 16.7357% | 2,646 |
| Memoranda: | ||
| Average total assets | $85,997,000 | 4,557 |
| Average earning assets | $78,350,000 | 4,559 |
| Average equity | $7,156,670 | 4,992 |
| Average total loans | $38,091,330 | 4,872 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2288% | 5,200 |
| Cost of funding earning assets | 0.1071% | 5,626 |
| Net interest margin | 3.1217% | 4,597 |
| Noninterest income to average assets | 0.7208% | 1,867 |
| Noninterest expense to average assets | 2.8175% | 2,727 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7676% | 3,383 |
| Return on assets (ROA) | 0.7676% | 3,436 |
| Pretax return on assets | 0.7676% | 4,223 |
| Return on Equity (ROE) | 9.3634% | 2,254 |
| Retained earnings to average equity (ytd only) | 9.3634% | 962 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5901% | 1,549 |
| Assets per employee ($millions) | 4.5436% | 3,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 1,853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3785% | 1,217 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 43.1668% | 5,088 |
| Net loans and leases to deposits | 47.7879% | 5,231 |
| Net loans and leases to core deposits | 47.7879% | 5,312 |
| Total domestic deposits to total assets | 90.3299% | 534 |
| Equity capital to assets | 8.2916% | 5,357 |
| Core capital (leverage) ratio | 8.5310% | 5,209 |
| Tier 1 risk-based capital ratio | 15.6068% | 2,712 |
| Total risk-based capital ratio | 16.7832% | 2,672 |
| Memoranda: | ||
| Average total assets | $85,465,500 | 4,617 |
| Average earning assets | $78,420,000 | 4,601 |
| Average equity | $7,006,000 | 5,061 |
| Average total loans | $37,899,000 | 4,922 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4050% | 4,969 |
| Cost of funding earning assets | 0.1227% | 5,602 |
| Net interest margin | 3.2823% | 4,198 |
| Noninterest income to average assets | 1.7025% | 419 |
| Noninterest expense to average assets | 3.3310% | 1,515 |
| Loan and lease loss provision to assets | -0.2056% | 5,785 |
| Net operating income to assets | 1.4381% | 942 |
| Return on assets (ROA) | 1.4381% | 965 |
| Pretax return on assets | 1.4381% | 1,789 |
| Return on Equity (ROE) | 18.6335% | 282 |
| Retained earnings to average equity (ytd only) | 18.6335% | 58 |
| Net charge-offs to loans | -0.0052% | 4,817 |
| Credit loss provision to net charge-offs | 8,750.0000% | 53 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9918% | 2,428 |
| Assets per employee ($millions) | 4.0287% | 3,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4480% | 1,879 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4066% | 1,217 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 44.2455% | 5,101 |
| Net loans and leases to deposits | 48.8637% | 5,254 |
| Net loans and leases to core deposits | 48.8637% | 5,337 |
| Total domestic deposits to total assets | 90.5488% | 434 |
| Equity capital to assets | 8.1014% | 5,518 |
| Core capital (leverage) ratio | 8.4180% | 5,350 |
| Tier 1 risk-based capital ratio | 15.1336% | 2,904 |
| Total risk-based capital ratio | 16.3006% | 2,875 |
| Memoranda: | ||
| Average total assets | $85,109,600 | 4,629 |
| Average earning assets | $74,185,600 | 4,717 |
| Average equity | $6,568,800 | 5,172 |
| Average total loans | $38,212,200 | 4,938 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4264% | 4,965 |
| Cost of funding earning assets | 0.1254% | 5,647 |
| Net interest margin | 3.3011% | 4,186 |
| Noninterest income to average assets | 1.8896% | 377 |
| Noninterest expense to average assets | 3.2614% | 1,649 |
| Loan and lease loss provision to assets | -0.2737% | 5,899 |
| Net operating income to assets | 1.7441% | 548 |
| Return on assets (ROA) | 1.7441% | 583 |
| Pretax return on assets | 1.7441% | 1,016 |
| Return on Equity (ROE) | 22.8800% | 130 |
| Retained earnings to average equity (ytd only) | 22.8800% | 37 |
| Net charge-offs to loans | -0.0035% | 4,553 |
| Credit loss provision to net charge-offs | 17,500.0000% | 24 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9256% | 3,053 |
| Assets per employee ($millions) | 4.0415% | 3,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4396% | 2,021 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4021% | 1,329 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 44.2860% | 5,169 |
| Net loans and leases to deposits | 49.1250% | 5,340 |
| Net loans and leases to core deposits | 49.1250% | 5,416 |
| Total domestic deposits to total assets | 90.1498% | 430 |
| Equity capital to assets | 8.3833% | 5,590 |
| Core capital (leverage) ratio | 8.3364% | 5,480 |
| Tier 1 risk-based capital ratio | 14.8249% | 3,140 |
| Total risk-based capital ratio | 15.9838% | 3,112 |
| Memoranda: | ||
| Average total assets | $85,236,250 | 4,664 |
| Average earning assets | $73,388,500 | 4,768 |
| Average equity | $6,497,500 | 5,242 |
| Average total loans | $38,269,500 | 4,985 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5079% | 4,843 |
| Cost of funding earning assets | 0.1333% | 5,662 |
| Net interest margin | 3.3746% | 3,984 |
| Noninterest income to average assets | 1.9119% | 357 |
| Noninterest expense to average assets | 3.2990% | 1,595 |
| Loan and lease loss provision to assets | -0.4100% | 6,005 |
| Net operating income to assets | 1.8698% | 419 |
| Return on assets (ROA) | 1.8698% | 441 |
| Pretax return on assets | 1.8698% | 745 |
| Return on Equity (ROE) | 25.3669% | 84 |
| Retained earnings to average equity (ytd only) | 25.3669% | 31 |
| Net charge-offs to loans | -0.0052% | 4,534 |
| Credit loss provision to net charge-offs | 17,500.0000% | 16 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3255% | 3,092 |
| Assets per employee ($millions) | 4.0106% | 3,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4550% | 2,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.4874% | 560 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 44.1483% | 5,222 |
| Net loans and leases to deposits | 48.7947% | 5,391 |
| Net loans and leases to core deposits | 48.9559% | 5,467 |
| Total domestic deposits to total assets | 90.4777% | 324 |
| Equity capital to assets | 8.0976% | 5,772 |
| Core capital (leverage) ratio | 7.9702% | 5,744 |
| Tier 1 risk-based capital ratio | 13.8990% | 3,662 |
| Total risk-based capital ratio | 15.0369% | 3,646 |
| Memoranda: | ||
| Average total assets | $85,358,000 | 4,702 |
| Average earning assets | $72,008,000 | 4,840 |
| Average equity | $6,291,670 | 5,330 |
| Average total loans | $38,314,330 | 5,023 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5252% | 4,829 |
| Cost of funding earning assets | 0.1384% | 5,692 |
| Net interest margin | 3.3868% | 3,916 |
| Noninterest income to average assets | 2.3183% | 281 |
| Noninterest expense to average assets | 3.3098% | 1,574 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8574% | 433 |
| Return on assets (ROA) | 1.8574% | 462 |
| Pretax return on assets | 1.8574% | 761 |
| Return on Equity (ROE) | 26.4786% | 83 |
| Retained earnings to average equity (ytd only) | 26.4786% | 41 |
| Net charge-offs to loans | -0.0104% | 4,546 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0541% | 4,116 |
| Assets per employee ($millions) | 3.9636% | 4,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9004% | 970 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.1057% | 397 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 44.9018% | 5,197 |
| Net loans and leases to deposits | 49.3601% | 5,371 |
| Net loans and leases to core deposits | 49.5243% | 5,455 |
| Total domestic deposits to total assets | 90.9677% | 286 |
| Equity capital to assets | 7.5821% | 5,932 |
| Core capital (leverage) ratio | 7.4225% | 5,940 |
| Tier 1 risk-based capital ratio | 12.8193% | 4,384 |
| Total risk-based capital ratio | 14.0712% | 4,294 |
| Memoranda: | ||
| Average total assets | $85,925,500 | 4,733 |
| Average earning assets | $72,280,000 | 4,870 |
| Average equity | $6,027,500 | 5,418 |
| Average total loans | $38,605,500 | 5,064 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9986% | 3,313 |
| Cost of funding earning assets | 0.1602% | 5,613 |
| Net interest margin | 3.8383% | 2,241 |
| Noninterest income to average assets | 0.8669% | 1,540 |
| Noninterest expense to average assets | 3.2653% | 1,798 |
| Loan and lease loss provision to assets | -0.2024% | 5,987 |
| Net operating income to assets | 0.9879% | 2,429 |
| Return on assets (ROA) | 0.9879% | 2,516 |
| Pretax return on assets | 0.9879% | 3,515 |
| Return on Equity (ROE) | 15.3924% | 630 |
| Retained earnings to average equity (ytd only) | 15.3924% | 127 |
| Net charge-offs to loans | 0.6140% | 393 |
| Credit loss provision to net charge-offs | -65.0000% | 5,080 |
| Earnings coverage of net charge-offs (x) | 2.5231% | 3,884 |
| Efficiency ratio | 80.6089% | 1,598 |
| Assets per employee ($millions) | 4.2198% | 3,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8485% | 1,054 |
| Loan loss allowance to noncurrent loans | 72,300.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 2.8911% | 467 |
| Noncurrent loans to loans | 0.0026% | 5,556 |
| Net loans and leases to total assets | 43.3217% | 5,323 |
| Net loans and leases to deposits | 46.9930% | 5,518 |
| Net loans and leases to core deposits | 47.1378% | 5,601 |
| Total domestic deposits to total assets | 92.1876% | 92 |
| Equity capital to assets | 6.4819% | 6,096 |
| Core capital (leverage) ratio | 6.6786% | 6,079 |
| Tier 1 risk-based capital ratio | 11.9402% | 4,992 |
| Total risk-based capital ratio | 13.1932% | 4,892 |
| Memoranda: | ||
| Average total assets | $83,513,400 | 4,800 |
| Average earning assets | $69,275,000 | 4,954 |
| Average equity | $5,359,800 | 5,569 |
| Average total loans | $42,345,000 | 4,920 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1167% | 2,872 |
| Cost of funding earning assets | 0.1646% | 5,668 |
| Net interest margin | 3.9521% | 1,868 |
| Noninterest income to average assets | 0.8512% | 1,614 |
| Noninterest expense to average assets | 3.1874% | 2,003 |
| Loan and lease loss provision to assets | -0.2740% | 6,141 |
| Net operating income to assets | 1.2079% | 1,626 |
| Return on assets (ROA) | 1.2079% | 1,693 |
| Pretax return on assets | 1.2079% | 2,793 |
| Return on Equity (ROE) | 18.8708% | 345 |
| Retained earnings to average equity (ytd only) | 18.8708% | 77 |
| Net charge-offs to loans | -0.0803% | 5,710 |
| Credit loss provision to net charge-offs | 650.0000% | 523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3407% | 2,045 |
| Assets per employee ($millions) | 4.2134% | 3,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4901% | 442 |
| Loan loss allowance to noncurrent loans | 336.3333% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 2.9023% | 543 |
| Noncurrent loans to loans | 0.7404% | 3,112 |
| Net loans and leases to total assets | 44.6548% | 5,314 |
| Net loans and leases to deposits | 48.5083% | 5,537 |
| Net loans and leases to core deposits | 48.6583% | 5,624 |
| Total domestic deposits to total assets | 92.0559% | 94 |
| Equity capital to assets | 6.5200% | 6,178 |
| Core capital (leverage) ratio | 6.8684% | 6,147 |
| Tier 1 risk-based capital ratio | 11.7154% | 5,258 |
| Total risk-based capital ratio | 12.9760% | 5,168 |
| Memoranda: | ||
| Average total assets | $82,237,750 | 4,880 |
| Average earning assets | $68,046,000 | 5,043 |
| Average equity | $5,263,750 | 5,662 |
| Average total loans | $43,153,000 | 4,941 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2526% | 2,344 |
| Cost of funding earning assets | 0.1685% | 5,708 |
| Net interest margin | 4.0840% | 1,394 |
| Noninterest income to average assets | 0.7460% | 2,013 |
| Noninterest expense to average assets | 3.2786% | 1,765 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8533% | 3,116 |
| Return on assets (ROA) | 0.8533% | 3,218 |
| Pretax return on assets | 0.8533% | 4,121 |
| Return on Equity (ROE) | 13.4241% | 1,033 |
| Retained earnings to average equity (ytd only) | 13.4241% | 273 |
| Net charge-offs to loans | 0.2089% | 1,212 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 7.4348% | 2,671 |
| Efficiency ratio | 79.3478% | 1,860 |
| Assets per employee ($millions) | 4.1014% | 3,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5355% | 468 |
| Loan loss allowance to noncurrent loans | 308.0780% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 3.0490% | 542 |
| Noncurrent loans to loans | 0.8230% | 3,064 |
| Net loans and leases to total assets | 51.8305% | 4,769 |
| Net loans and leases to deposits | 56.2338% | 5,110 |
| Net loans and leases to core deposits | 56.4211% | 5,283 |
| Total domestic deposits to total assets | 92.1697% | 110 |
| Equity capital to assets | 6.3650% | 6,253 |
| Core capital (leverage) ratio | 6.6927% | 6,224 |
| Tier 1 risk-based capital ratio | 10.5007% | 5,921 |
| Total risk-based capital ratio | 11.7608% | 5,860 |
| Memoranda: | ||
| Average total assets | $80,156,670 | 4,976 |
| Average earning assets | $66,453,670 | 5,141 |
| Average equity | $5,095,330 | 5,760 |
| Average total loans | $44,030,670 | 4,948 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3429% | 1,962 |
| Cost of funding earning assets | 0.1687% | 5,783 |
| Net interest margin | 4.1742% | 1,117 |
| Noninterest income to average assets | 0.8533% | 1,552 |
| Noninterest expense to average assets | 3.2264% | 1,912 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1260% | 1,769 |
| Return on assets (ROA) | 1.1260% | 1,877 |
| Pretax return on assets | 1.1260% | 2,968 |
| Return on Equity (ROE) | 17.7248% | 412 |
| Retained earnings to average equity (ytd only) | 17.7248% | 155 |
| Net charge-offs to loans | -0.0723% | 5,709 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1299% | 2,799 |
| Assets per employee ($millions) | 3.9880% | 3,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6223% | 450 |
| Loan loss allowance to noncurrent loans | 372.9904% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 3.1846% | 561 |
| Noncurrent loans to loans | 0.7030% | 3,519 |
| Net loans and leases to total assets | 54.0077% | 4,447 |
| Net loans and leases to deposits | 58.7731% | 4,853 |
| Net loans and leases to core deposits | 58.9751% | 5,064 |
| Total domestic deposits to total assets | 91.8918% | 159 |
| Equity capital to assets | 6.5986% | 6,300 |
| Core capital (leverage) ratio | 6.7179% | 6,266 |
| Tier 1 risk-based capital ratio | 10.0846% | 6,150 |
| Total risk-based capital ratio | 11.3466% | 6,089 |
| Memoranda: | ||
| Average total assets | $79,221,500 | 5,043 |
| Average earning assets | $66,407,500 | 5,184 |
| Average equity | $5,032,500 | 5,826 |
| Average total loans | $44,235,500 | 4,976 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2602% | 2,739 |
| Cost of funding earning assets | 0.1943% | 5,793 |
| Net interest margin | 4.0659% | 1,694 |
| Noninterest income to average assets | 0.8177% | 1,802 |
| Noninterest expense to average assets | 3.4081% | 1,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8267% | 3,246 |
| Return on assets (ROA) | 0.8267% | 3,336 |
| Pretax return on assets | 0.8267% | 4,159 |
| Return on Equity (ROE) | 15.2749% | 734 |
| Retained earnings to average equity (ytd only) | 15.2749% | 141 |
| Net charge-offs to loans | 0.0389% | 4,046 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 39.8750% | 1,088 |
| Efficiency ratio | 80.4774% | 1,849 |
| Assets per employee ($millions) | 3.7469% | 4,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6043% | 485 |
| Loan loss allowance to noncurrent loans | 368.0511% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 3.4416% | 546 |
| Noncurrent loans to loans | 0.7076% | 3,557 |
| Net loans and leases to total assets | 54.7545% | 4,484 |
| Net loans and leases to deposits | 59.2304% | 4,963 |
| Net loans and leases to core deposits | 59.4355% | 5,179 |
| Total domestic deposits to total assets | 92.4432% | 101 |
| Equity capital to assets | 6.1029% | 6,408 |
| Core capital (leverage) ratio | 6.4601% | 6,374 |
| Tier 1 risk-based capital ratio | 9.8224% | 6,301 |
| Total risk-based capital ratio | 11.0845% | 6,263 |
| Memoranda: | ||
| Average total assets | $77,170,000 | 5,123 |
| Average earning assets | $64,856,800 | 5,255 |
| Average equity | $4,176,800 | 6,055 |
| Average total loans | $41,123,600 | 5,142 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2437% | 2,828 |
| Cost of funding earning assets | 0.2041% | 5,788 |
| Net interest margin | 4.0396% | 1,753 |
| Noninterest income to average assets | 0.7917% | 1,927 |
| Noninterest expense to average assets | 3.3701% | 1,739 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7900% | 3,470 |
| Return on assets (ROA) | 0.7900% | 3,576 |
| Pretax return on assets | 0.7900% | 4,396 |
| Return on Equity (ROE) | 15.0889% | 812 |
| Retained earnings to average equity (ytd only) | 15.0889% | 202 |
| Net charge-offs to loans | 0.0793% | 3,065 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 18.9578% | 1,808 |
| Efficiency ratio | 81.0100% | 1,760 |
| Assets per employee ($millions) | 3.4843% | 4,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7388% | 471 |
| Loan loss allowance to noncurrent loans | 359.7484% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 3.6253% | 579 |
| Noncurrent loans to loans | 0.7613% | 3,694 |
| Net loans and leases to total assets | 52.9985% | 4,697 |
| Net loans and leases to deposits | 57.2391% | 5,157 |
| Net loans and leases to core deposits | 57.4422% | 5,366 |
| Total domestic deposits to total assets | 92.5915% | 108 |
| Equity capital to assets | 5.8026% | 6,494 |
| Core capital (leverage) ratio | 6.2938% | 6,454 |
| Tier 1 risk-based capital ratio | 9.8655% | 6,372 |
| Total risk-based capital ratio | 11.1281% | 6,343 |
| Memoranda: | ||
| Average total assets | $76,791,500 | 5,190 |
| Average earning assets | $64,031,250 | 5,335 |
| Average equity | $4,020,500 | 6,153 |
| Average total loans | $40,345,750 | 5,224 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1982% | 2,959 |
| Cost of funding earning assets | 0.2098% | 5,826 |
| Net interest margin | 3.9885% | 1,843 |
| Noninterest income to average assets | 0.7028% | 2,262 |
| Noninterest expense to average assets | 3.1964% | 2,205 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8225% | 3,222 |
| Return on assets (ROA) | 0.8225% | 3,320 |
| Pretax return on assets | 0.8225% | 4,189 |
| Return on Equity (ROE) | 16.2971% | 625 |
| Retained earnings to average equity (ytd only) | 16.2971% | 164 |
| Net charge-offs to loans | -0.0602% | 5,954 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5337% | 2,088 |
| Assets per employee ($millions) | 3.7322% | 4,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9631% | 396 |
| Loan loss allowance to noncurrent loans | 366.4596% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 3.6797% | 615 |
| Noncurrent loans to loans | 0.8086% | 3,686 |
| Net loans and leases to total assets | 49.3046% | 5,040 |
| Net loans and leases to deposits | 52.9835% | 5,427 |
| Net loans and leases to core deposits | 52.9835% | 5,616 |
| Total domestic deposits to total assets | 93.0565% | 78 |
| Equity capital to assets | 5.4570% | 6,563 |
| Core capital (leverage) ratio | 6.2485% | 6,510 |
| Tier 1 risk-based capital ratio | 9.5737% | 6,484 |
| Total risk-based capital ratio | 10.8385% | 6,464 |
| Memoranda: | ||
| Average total assets | $76,837,000 | 5,228 |
| Average earning assets | $63,884,000 | 5,388 |
| Average equity | $3,878,000 | 6,225 |
| Average total loans | $39,871,000 | 5,281 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2119% | 2,830 |
| Cost of funding earning assets | 0.2167% | 5,872 |
| Net interest margin | 3.9953% | 1,780 |
| Noninterest income to average assets | 0.6678% | 2,357 |
| Noninterest expense to average assets | 3.2129% | 2,189 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7520% | 3,411 |
| Return on assets (ROA) | 0.7520% | 3,493 |
| Pretax return on assets | 0.7520% | 4,302 |
| Return on Equity (ROE) | 15.5498% | 700 |
| Retained earnings to average equity (ytd only) | 15.5498% | 297 |
| Net charge-offs to loans | -0.0501% | 5,806 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0345% | 2,043 |
| Assets per employee ($millions) | 3.8284% | 4,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9796% | 446 |
| Loan loss allowance to noncurrent loans | 100.2564% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 4.9498% | 415 |
| Noncurrent loans to loans | 2.9720% | 1,074 |
| Net loans and leases to total assets | 49.8838% | 4,923 |
| Net loans and leases to deposits | 53.4121% | 5,336 |
| Net loans and leases to core deposits | 53.4121% | 5,537 |
| Total domestic deposits to total assets | 93.3941% | 82 |
| Equity capital to assets | 5.0582% | 6,630 |
| Core capital (leverage) ratio | 6.0387% | 6,582 |
| Tier 1 risk-based capital ratio | 9.3289% | 6,575 |
| Total risk-based capital ratio | 10.5939% | 6,560 |
| Memoranda: | ||
| Average total assets | $76,067,500 | 5,298 |
| Average earning assets | $62,774,000 | 5,481 |
| Average equity | $3,678,500 | 6,313 |
| Average total loans | $39,895,000 | 5,328 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5077% | 2,177 |
| Cost of funding earning assets | 0.2811% | 5,756 |
| Net interest margin | 4.2265% | 1,283 |
| Noninterest income to average assets | 0.6793% | 2,653 |
| Noninterest expense to average assets | 3.4311% | 1,811 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6463% | 4,046 |
| Return on assets (ROA) | 0.6146% | 4,313 |
| Pretax return on assets | 0.6146% | 4,825 |
| Return on Equity (ROE) | 12.1480% | 1,373 |
| Retained earnings to average equity (ytd only) | 12.1480% | 304 |
| Net charge-offs to loans | 0.3097% | 2,136 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 3.8810% | 3,727 |
| Efficiency ratio | 84.1491% | 1,612 |
| Assets per employee ($millions) | 3.7784% | 4,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8895% | 527 |
| Loan loss allowance to noncurrent loans | 93.6648% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 5.2695% | 428 |
| Noncurrent loans to loans | 3.0850% | 1,117 |
| Net loans and leases to total assets | 51.9460% | 4,860 |
| Net loans and leases to deposits | 55.3239% | 5,365 |
| Net loans and leases to core deposits | 55.3239% | 5,593 |
| Total domestic deposits to total assets | 93.8942% | 85 |
| Equity capital to assets | 4.6105% | 6,714 |
| Core capital (leverage) ratio | 5.8813% | 6,663 |
| Tier 1 risk-based capital ratio | 8.7231% | 6,672 |
| Total risk-based capital ratio | 9.9853% | 6,671 |
| Memoranda: | ||
| Average total assets | $75,661,400 | 5,335 |
| Average earning assets | $60,829,800 | 5,566 |
| Average equity | $3,827,800 | 6,368 |
| Average total loans | $40,682,600 | 5,317 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4641% | 2,372 |
| Cost of funding earning assets | 0.2927% | 5,790 |
| Net interest margin | 4.1714% | 1,419 |
| Noninterest income to average assets | 0.7311% | 2,455 |
| Noninterest expense to average assets | 3.4141% | 1,794 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6818% | 3,943 |
| Return on assets (ROA) | 0.6395% | 4,294 |
| Pretax return on assets | 0.6395% | 4,885 |
| Return on Equity (ROE) | 12.3664% | 1,379 |
| Retained earnings to average equity (ytd only) | 12.3664% | 382 |
| Net charge-offs to loans | 0.1832% | 2,765 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 6.9112% | 2,885 |
| Efficiency ratio | 83.3548% | 1,670 |
| Assets per employee ($millions) | 3.5359% | 4,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0502% | 518 |
| Loan loss allowance to noncurrent loans | 63.6177% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 6.1735% | 375 |
| Noncurrent loans to loans | 4.7946% | 651 |
| Net loans and leases to total assets | 52.9931% | 4,751 |
| Net loans and leases to deposits | 56.7136% | 5,310 |
| Net loans and leases to core deposits | 56.7136% | 5,561 |
| Total domestic deposits to total assets | 93.4400% | 97 |
| Equity capital to assets | 4.9049% | 6,774 |
| Core capital (leverage) ratio | 5.8310% | 6,733 |
| Tier 1 risk-based capital ratio | 8.7426% | 6,737 |
| Total risk-based capital ratio | 10.0070% | 6,738 |
| Memoranda: | ||
| Average total assets | $75,685,000 | 5,388 |
| Average earning assets | $61,049,000 | 5,624 |
| Average equity | $3,913,750 | 6,421 |
| Average total loans | $40,747,750 | 5,362 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4905% | 2,232 |
| Cost of funding earning assets | 0.3007% | 5,827 |
| Net interest margin | 4.1899% | 1,303 |
| Noninterest income to average assets | 0.8246% | 2,090 |
| Noninterest expense to average assets | 3.4584% | 1,702 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7326% | 3,658 |
| Return on assets (ROA) | 0.6696% | 4,125 |
| Pretax return on assets | 0.6696% | 4,778 |
| Return on Equity (ROE) | 12.7362% | 1,309 |
| Retained earnings to average equity (ytd only) | 12.7362% | 415 |
| Net charge-offs to loans | 0.1863% | 2,632 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 7.3421% | 2,559 |
| Efficiency ratio | 82.5188% | 1,820 |
| Assets per employee ($millions) | 3.6753% | 4,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1772% | 487 |
| Loan loss allowance to noncurrent loans | 61.4481% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 7.8293% | 270 |
| Noncurrent loans to loans | 5.1705% | 607 |
| Net loans and leases to total assets | 52.0719% | 4,853 |
| Net loans and leases to deposits | 55.7650% | 5,367 |
| Net loans and leases to core deposits | 55.7650% | 5,618 |
| Total domestic deposits to total assets | 93.3774% | 94 |
| Equity capital to assets | 4.9873% | 6,826 |
| Core capital (leverage) ratio | 5.6712% | 6,782 |
| Tier 1 risk-based capital ratio | 8.5808% | 6,783 |
| Total risk-based capital ratio | 9.8474% | 6,785 |
| Memoranda: | ||
| Average total assets | $76,162,330 | 5,412 |
| Average earning assets | $61,195,330 | 5,661 |
| Average equity | $4,004,330 | 6,449 |
| Average total loans | $40,801,330 | 5,389 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3925% | 2,547 |
| Cost of funding earning assets | 0.3105% | 5,887 |
| Net interest margin | 4.0820% | 1,512 |
| Noninterest income to average assets | 0.7949% | 2,146 |
| Noninterest expense to average assets | 3.2727% | 2,150 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7795% | 3,284 |
| Return on assets (ROA) | 0.7795% | 3,418 |
| Pretax return on assets | 0.7795% | 4,255 |
| Return on Equity (ROE) | 14.4723% | 868 |
| Retained earnings to average equity (ytd only) | 14.4723% | 402 |
| Net charge-offs to loans | 0.3475% | 1,603 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 4.1944% | 2,603 |
| Efficiency ratio | 80.7643% | 2,213 |
| Assets per employee ($millions) | 3.7945% | 4,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1028% | 593 |
| Loan loss allowance to noncurrent loans | 56.9746% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 7.8575% | 322 |
| Noncurrent loans to loans | 5.4459% | 668 |
| Net loans and leases to total assets | 51.7677% | 4,740 |
| Net loans and leases to deposits | 55.7762% | 5,270 |
| Net loans and leases to core deposits | 55.7762% | 5,541 |
| Total domestic deposits to total assets | 92.8132% | 142 |
| Equity capital to assets | 5.5766% | 6,857 |
| Core capital (leverage) ratio | 5.4301% | 6,849 |
| Tier 1 risk-based capital ratio | 8.3221% | 6,848 |
| Total risk-based capital ratio | 9.5875% | 6,850 |
| Memoranda: | ||
| Average total assets | $77,490,500 | 5,426 |
| Average earning assets | $61,832,000 | 5,683 |
| Average equity | $4,173,500 | 6,473 |
| Average total loans | $41,436,000 | 5,399 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5942% | 3,027 |
| Cost of funding earning assets | 0.4869% | 5,307 |
| Net interest margin | 4.1073% | 1,973 |
| Noninterest income to average assets | 0.1643% | 6,215 |
| Noninterest expense to average assets | 3.5241% | 1,770 |
| Loan and lease loss provision to assets | 0.0442% | 5,298 |
| Net operating income to assets | -0.2717% | 6,421 |
| Return on assets (ROA) | -0.2717% | 6,476 |
| Pretax return on assets | -0.2704% | 6,462 |
| Return on Equity (ROE) | -4.9706% | 6,591 |
| Retained earnings to average equity (ytd only) | -4.9706% | 6,422 |
| Net charge-offs to loans | 1.2655% | 775 |
| Credit loss provision to net charge-offs | 6.3869% | 5,428 |
| Earnings coverage of net charge-offs (x) | -0.3266% | 5,622 |
| Efficiency ratio | 106.8582% | 392 |
| Assets per employee ($millions) | 3.9546% | 4,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0571% | 631 |
| Loan loss allowance to noncurrent loans | 40.9235% | 5,577 |
| Noncurrent assets plus other real estate owned to assets | 8.3447% | 321 |
| Noncurrent loans to loans | 7.4702% | 408 |
| Net loans and leases to total assets | 51.8814% | 4,945 |
| Net loans and leases to deposits | 55.5813% | 5,488 |
| Net loans and leases to core deposits | 55.5813% | 5,744 |
| Total domestic deposits to total assets | 93.3432% | 102 |
| Equity capital to assets | 5.2028% | 6,939 |
| Core capital (leverage) ratio | 5.2383% | 6,918 |
| Tier 1 risk-based capital ratio | 7.8766% | 6,918 |
| Total risk-based capital ratio | 9.1435% | 6,920 |
| Memoranda: | ||
| Average total assets | $79,140,200 | 5,379 |
| Average earning assets | $60,380,800 | 5,734 |
| Average equity | $4,325,400 | 6,487 |
| Average total loans | $43,302,400 | 5,359 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6182% | 3,139 |
| Cost of funding earning assets | 0.5313% | 5,235 |
| Net interest margin | 4.0869% | 2,138 |
| Noninterest income to average assets | 0.1583% | 6,355 |
| Noninterest expense to average assets | 3.4582% | 1,864 |
| Loan and lease loss provision to assets | 0.0590% | 4,990 |
| Net operating income to assets | -0.2493% | 6,530 |
| Return on assets (ROA) | -0.2493% | 6,597 |
| Pretax return on assets | -0.2493% | 6,564 |
| Return on Equity (ROE) | -4.5073% | 6,701 |
| Retained earnings to average equity (ytd only) | -4.5073% | 6,588 |
| Net charge-offs to loans | 1.3441% | 686 |
| Credit loss provision to net charge-offs | 7.9727% | 5,100 |
| Earnings coverage of net charge-offs (x) | -0.2574% | 5,428 |
| Efficiency ratio | 105.8247% | 387 |
| Assets per employee ($millions) | 3.7721% | 4,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2403% | 584 |
| Loan loss allowance to noncurrent loans | 53.7136% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 11.3412% | 182 |
| Noncurrent loans to loans | 6.0325% | 676 |
| Net loans and leases to total assets | 55.5341% | 4,518 |
| Net loans and leases to deposits | 59.8694% | 5,229 |
| Net loans and leases to core deposits | 59.8694% | 5,573 |
| Total domestic deposits to total assets | 92.7587% | 130 |
| Equity capital to assets | 5.6321% | 7,010 |
| Core capital (leverage) ratio | 5.2553% | 7,000 |
| Tier 1 risk-based capital ratio | 7.4463% | 7,024 |
| Total risk-based capital ratio | 8.7125% | 7,024 |
| Memoranda: | ||
| Average total assets | $79,152,250 | 5,434 |
| Average earning assets | $60,224,000 | 5,798 |
| Average equity | $4,378,000 | 6,549 |
| Average total loans | $43,546,000 | 5,410 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5393% | 3,610 |
| Cost of funding earning assets | 0.5858% | 5,018 |
| Net interest margin | 3.9535% | 2,708 |
| Noninterest income to average assets | 0.4677% | 4,150 |
| Noninterest expense to average assets | 3.4184% | 1,989 |
| Loan and lease loss provision to assets | 0.0871% | 4,497 |
| Net operating income to assets | -0.0323% | 6,362 |
| Return on assets (ROA) | -0.0323% | 6,482 |
| Pretax return on assets | -0.0323% | 6,472 |
| Return on Equity (ROE) | -0.5881% | 6,512 |
| Retained earnings to average equity (ytd only) | -0.5881% | 6,145 |
| Net charge-offs to loans | 0.9810% | 1,130 |
| Credit loss provision to net charge-offs | 16.3551% | 4,664 |
| Earnings coverage of net charge-offs (x) | 0.1028% | 5,030 |
| Efficiency ratio | 98.4241% | 611 |
| Assets per employee ($millions) | 3.9187% | 4,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8558% | 381 |
| Loan loss allowance to noncurrent loans | 57.8330% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 11.4823% | 198 |
| Noncurrent loans to loans | 6.6671% | 611 |
| Net loans and leases to total assets | 51.7959% | 5,125 |
| Net loans and leases to deposits | 55.7449% | 5,678 |
| Net loans and leases to core deposits | 55.9801% | 5,947 |
| Total domestic deposits to total assets | 92.9159% | 132 |
| Equity capital to assets | 5.6244% | 7,053 |
| Core capital (leverage) ratio | 5.2507% | 7,050 |
| Tier 1 risk-based capital ratio | 7.7445% | 7,054 |
| Total risk-based capital ratio | 9.0170% | 7,055 |
| Memoranda: | ||
| Average total assets | $80,389,000 | 5,424 |
| Average earning assets | $61,110,330 | 5,796 |
| Average equity | $4,421,000 | 6,566 |
| Average total loans | $43,628,330 | 5,444 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5873% | 3,566 |
| Cost of funding earning assets | 0.6116% | 5,041 |
| Net interest margin | 3.9757% | 2,606 |
| Noninterest income to average assets | 0.6143% | 3,142 |
| Noninterest expense to average assets | 3.1942% | 2,619 |
| Loan and lease loss provision to assets | 0.1720% | 3,248 |
| Net operating income to assets | 0.2506% | 5,819 |
| Return on assets (ROA) | 0.2506% | 5,971 |
| Pretax return on assets | 0.2506% | 6,085 |
| Return on Equity (ROE) | 4.6076% | 4,980 |
| Retained earnings to average equity (ytd only) | 4.6076% | 3,808 |
| Net charge-offs to loans | 0.6136% | 1,560 |
| Credit loss provision to net charge-offs | 51.4706% | 3,255 |
| Earnings coverage of net charge-offs (x) | 1.2647% | 3,699 |
| Efficiency ratio | 88.3152% | 1,247 |
| Assets per employee ($millions) | 3.8315% | 4,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0662% | 350 |
| Loan loss allowance to noncurrent loans | 41.1029% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 13.4351% | 154 |
| Noncurrent loans to loans | 9.8927% | 315 |
| Net loans and leases to total assets | 52.0177% | 5,027 |
| Net loans and leases to deposits | 56.6429% | 5,534 |
| Net loans and leases to core deposits | 56.8784% | 5,829 |
| Total domestic deposits to total assets | 91.8346% | 302 |
| Equity capital to assets | 5.4909% | 7,109 |
| Core capital (leverage) ratio | 5.2940% | 7,092 |
| Tier 1 risk-based capital ratio | 7.5499% | 7,107 |
| Total risk-based capital ratio | 8.8233% | 7,108 |
| Memoranda: | ||
| Average total assets | $81,397,000 | 5,430 |
| Average earning assets | $61,473,500 | 5,825 |
| Average equity | $4,427,500 | 6,603 |
| Average total loans | $44,331,500 | 5,457 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7825% | 3,891 |
| Cost of funding earning assets | 0.8567% | 4,425 |
| Net interest margin | 3.9257% | 3,220 |
| Noninterest income to average assets | 0.4618% | 4,120 |
| Noninterest expense to average assets | 3.7444% | 1,455 |
| Loan and lease loss provision to assets | 1.5244% | 479 |
| Net operating income to assets | -1.7691% | 6,978 |
| Return on assets (ROA) | -1.7691% | 6,995 |
| Pretax return on assets | -1.7679% | 6,966 |
| Return on Equity (ROE) | -28.8729% | 7,081 |
| Retained earnings to average equity (ytd only) | -28.8729% | 7,073 |
| Net charge-offs to loans | 2.9509% | 332 |
| Credit loss provision to net charge-offs | 89.6333% | 4,020 |
| Earnings coverage of net charge-offs (x) | -0.1432% | 5,921 |
| Efficiency ratio | 106.9544% | 500 |
| Assets per employee ($millions) | 3.9206% | 4,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0124% | 381 |
| Loan loss allowance to noncurrent loans | 51.1898% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 12.1677% | 203 |
| Noncurrent loans to loans | 7.8383% | 523 |
| Net loans and leases to total assets | 52.5039% | 5,232 |
| Net loans and leases to deposits | 57.0215% | 5,801 |
| Net loans and leases to core deposits | 57.2526% | 6,059 |
| Total domestic deposits to total assets | 92.0773% | 229 |
| Equity capital to assets | 5.3891% | 7,143 |
| Core capital (leverage) ratio | 5.2271% | 7,122 |
| Tier 1 risk-based capital ratio | 7.3632% | 7,138 |
| Total risk-based capital ratio | 8.6378% | 7,138 |
| Memoranda: | ||
| Average total assets | $83,377,800 | 5,360 |
| Average earning assets | $64,548,200 | 5,716 |
| Average equity | $5,108,600 | 6,408 |
| Average total loans | $48,053,600 | 5,347 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8149% | 3,958 |
| Cost of funding earning assets | 0.9111% | 4,328 |
| Net interest margin | 3.9038% | 3,363 |
| Noninterest income to average assets | 0.5149% | 3,758 |
| Noninterest expense to average assets | 3.6346% | 1,643 |
| Loan and lease loss provision to assets | 1.8109% | 331 |
| Net operating income to assets | -1.8858% | 7,119 |
| Return on assets (ROA) | -1.8858% | 7,129 |
| Pretax return on assets | -1.8842% | 7,099 |
| Return on Equity (ROE) | -29.8927% | 7,195 |
| Retained earnings to average equity (ytd only) | -29.8927% | 7,188 |
| Net charge-offs to loans | 3.6660% | 197 |
| Credit loss provision to net charge-offs | 84.6498% | 3,975 |
| Earnings coverage of net charge-offs (x) | -0.0343% | 5,624 |
| Efficiency ratio | 102.0591% | 606 |
| Assets per employee ($millions) | 3.8310% | 4,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8170% | 451 |
| Loan loss allowance to noncurrent loans | 40.5757% | 5,590 |
| Noncurrent assets plus other real estate owned to assets | 13.0914% | 190 |
| Noncurrent loans to loans | 9.4071% | 400 |
| Net loans and leases to total assets | 54.7508% | 5,044 |
| Net loans and leases to deposits | 59.8920% | 5,641 |
| Net loans and leases to core deposits | 60.5657% | 5,938 |
| Total domestic deposits to total assets | 91.4158% | 315 |
| Equity capital to assets | 5.9354% | 7,193 |
| Core capital (leverage) ratio | 5.4757% | 7,187 |
| Tier 1 risk-based capital ratio | 7.7370% | 7,206 |
| Total risk-based capital ratio | 9.0081% | 7,207 |
| Memoranda: | ||
| Average total assets | $83,639,000 | 5,382 |
| Average earning assets | $65,267,500 | 5,736 |
| Average equity | $5,276,500 | 6,410 |
| Average total loans | $48,808,250 | 5,353 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8593% | 3,820 |
| Cost of funding earning assets | 0.9616% | 4,241 |
| Net interest margin | 3.8978% | 3,318 |
| Noninterest income to average assets | 0.5407% | 3,552 |
| Noninterest expense to average assets | 3.6009% | 1,740 |
| Loan and lease loss provision to assets | 2.1983% | 262 |
| Net operating income to assets | -2.2172% | 7,224 |
| Return on assets (ROA) | -2.2172% | 7,230 |
| Pretax return on assets | -2.2148% | 7,205 |
| Return on Equity (ROE) | -34.4988% | 7,279 |
| Retained earnings to average equity (ytd only) | -34.4988% | 7,272 |
| Net charge-offs to loans | 3.6497% | 242 |
| Credit loss provision to net charge-offs | 102.4202% | 3,021 |
| Earnings coverage of net charge-offs (x) | -0.0077% | 5,292 |
| Efficiency ratio | 100.4611% | 707 |
| Assets per employee ($millions) | 3.5523% | 4,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1876% | 361 |
| Loan loss allowance to noncurrent loans | 53.2471% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 12.9714% | 214 |
| Noncurrent loans to loans | 7.8645% | 588 |
| Net loans and leases to total assets | 55.3358% | 5,098 |
| Net loans and leases to deposits | 60.6436% | 5,656 |
| Net loans and leases to core deposits | 61.3130% | 5,966 |
| Total domestic deposits to total assets | 91.2476% | 410 |
| Equity capital to assets | 6.1320% | 7,225 |
| Core capital (leverage) ratio | 5.6935% | 7,238 |
| Tier 1 risk-based capital ratio | 7.9454% | 7,247 |
| Total risk-based capital ratio | 9.2204% | 7,251 |
| Memoranda: | ||
| Average total assets | $84,702,000 | 5,403 |
| Average earning assets | $66,140,670 | 5,752 |
| Average equity | $5,443,670 | 6,391 |
| Average total loans | $49,812,670 | 5,363 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9623% | 3,281 |
| Cost of funding earning assets | 0.9925% | 4,253 |
| Net interest margin | 3.9698% | 2,823 |
| Noninterest income to average assets | 1.1415% | 1,000 |
| Noninterest expense to average assets | 3.3874% | 2,312 |
| Loan and lease loss provision to assets | 1.7912% | 325 |
| Net operating income to assets | -0.9420% | 7,025 |
| Return on assets (ROA) | -0.9420% | 7,025 |
| Pretax return on assets | -0.9373% | 6,978 |
| Return on Equity (ROE) | -14.3450% | 7,137 |
| Retained earnings to average equity (ytd only) | -14.3450% | 7,025 |
| Net charge-offs to loans | 6.3999% | 95 |
| Credit loss provision to net charge-offs | 47.1883% | 3,812 |
| Earnings coverage of net charge-offs (x) | 0.2249% | 4,445 |
| Efficiency ratio | 79.8687% | 2,561 |
| Assets per employee ($millions) | 3.6998% | 4,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1000% | 836 |
| Loan loss allowance to noncurrent loans | 57.8048% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 11.8515% | 280 |
| Noncurrent loans to loans | 5.3629% | 1,224 |
| Net loans and leases to total assets | 55.9081% | 5,009 |
| Net loans and leases to deposits | 62.2685% | 5,465 |
| Net loans and leases to core deposits | 62.9391% | 5,833 |
| Total domestic deposits to total assets | 89.7855% | 1,299 |
| Equity capital to assets | 6.5397% | 7,198 |
| Core capital (leverage) ratio | 6.4626% | 7,175 |
| Tier 1 risk-based capital ratio | 8.6887% | 7,247 |
| Total risk-based capital ratio | 9.9525% | 7,252 |
| Memoranda: | ||
| Average total assets | $86,201,500 | 5,401 |
| Average earning assets | $67,307,500 | 5,753 |
| Average equity | $5,660,500 | 6,349 |
| Average total loans | $51,125,500 | 5,360 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1210% | 4,001 |
| Cost of funding earning assets | 1.3051% | 3,850 |
| Net interest margin | 3.8159% | 3,884 |
| Noninterest income to average assets | 0.1673% | 6,533 |
| Noninterest expense to average assets | 3.8319% | 1,425 |
| Loan and lease loss provision to assets | 2.6490% | 400 |
| Net operating income to assets | -3.2481% | 7,340 |
| Return on assets (ROA) | -3.2481% | 7,357 |
| Pretax return on assets | -3.2481% | 7,333 |
| Return on Equity (ROE) | -41.9360% | 7,370 |
| Retained earnings to average equity (ytd only) | -41.9360% | 7,363 |
| Net charge-offs to loans | 3.9016% | 334 |
| Credit loss provision to net charge-offs | 106.3652% | 4,201 |
| Earnings coverage of net charge-offs (x) | -0.2406% | 6,312 |
| Efficiency ratio | 118.5323% | 420 |
| Assets per employee ($millions) | 3.7960% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6761% | 519 |
| Loan loss allowance to noncurrent loans | 42.9734% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 12.4616% | 252 |
| Noncurrent loans to loans | 8.5544% | 575 |
| Net loans and leases to total assets | 58.6430% | 4,930 |
| Net loans and leases to deposits | 65.2080% | 5,493 |
| Net loans and leases to core deposits | 65.8911% | 5,884 |
| Total domestic deposits to total assets | 89.9322% | 1,141 |
| Equity capital to assets | 6.5928% | 7,239 |
| Core capital (leverage) ratio | 6.4619% | 7,204 |
| Tier 1 risk-based capital ratio | 8.7926% | 7,277 |
| Total risk-based capital ratio | 10.0644% | 7,282 |
| Memoranda: | ||
| Average total assets | $91,467,800 | 5,244 |
| Average earning assets | $73,481,400 | 5,556 |
| Average equity | $7,084,600 | 6,005 |
| Average total loans | $58,387,000 | 5,137 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1611% | 4,028 |
| Cost of funding earning assets | 1.3804% | 3,702 |
| Net interest margin | 3.7806% | 4,055 |
| Noninterest income to average assets | 0.6947% | 2,849 |
| Noninterest expense to average assets | 4.1091% | 927 |
| Loan and lease loss provision to assets | 2.7125% | 362 |
| Net operating income to assets | -3.0599% | 7,461 |
| Return on assets (ROA) | -3.0599% | 7,472 |
| Pretax return on assets | -3.0599% | 7,435 |
| Return on Equity (ROE) | -38.1650% | 7,473 |
| Retained earnings to average equity (ytd only) | -38.1650% | 7,470 |
| Net charge-offs to loans | 4.6077% | 208 |
| Credit loss provision to net charge-offs | 91.2264% | 4,720 |
| Earnings coverage of net charge-offs (x) | -0.1168% | 6,119 |
| Efficiency ratio | 109.2337% | 540 |
| Assets per employee ($millions) | 3.8560% | 4,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9008% | 906 |
| Loan loss allowance to noncurrent loans | 40.3470% | 5,600 |
| Noncurrent assets plus other real estate owned to assets | 12.5825% | 241 |
| Noncurrent loans to loans | 7.1896% | 761 |
| Net loans and leases to total assets | 61.4464% | 4,642 |
| Net loans and leases to deposits | 70.0855% | 5,131 |
| Net loans and leases to core deposits | 70.8160% | 5,667 |
| Total domestic deposits to total assets | 87.6735% | 2,173 |
| Equity capital to assets | 7.6426% | 7,037 |
| Core capital (leverage) ratio | 7.2385% | 7,037 |
| Tier 1 risk-based capital ratio | 9.6344% | 7,216 |
| Total risk-based capital ratio | 10.8984% | 7,200 |
| Memoranda: | ||
| Average total assets | $92,507,750 | 5,269 |
| Average earning assets | $75,047,000 | 5,572 |
| Average equity | $7,416,750 | 5,979 |
| Average total loans | $59,695,250 | 5,160 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1046% | 4,427 |
| Cost of funding earning assets | 1.4451% | 3,590 |
| Net interest margin | 3.6595% | 4,541 |
| Noninterest income to average assets | 0.8914% | 1,720 |
| Noninterest expense to average assets | 4.3058% | 724 |
| Loan and lease loss provision to assets | 2.9302% | 341 |
| Net operating income to assets | -3.3418% | 7,555 |
| Return on assets (ROA) | -3.3418% | 7,559 |
| Pretax return on assets | -3.3418% | 7,519 |
| Return on Equity (ROE) | -41.0765% | 7,541 |
| Retained earnings to average equity (ytd only) | -41.0765% | 7,534 |
| Net charge-offs to loans | 5.5119% | 166 |
| Credit loss provision to net charge-offs | 81.8832% | 4,656 |
| Earnings coverage of net charge-offs (x) | -0.1150% | 5,815 |
| Efficiency ratio | 110.5696% | 540 |
| Assets per employee ($millions) | 3.8973% | 3,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6038% | 1,187 |
| Loan loss allowance to noncurrent loans | 37.8902% | 5,825 |
| Noncurrent assets plus other real estate owned to assets | 12.5336% | 243 |
| Noncurrent loans to loans | 6.8720% | 842 |
| Net loans and leases to total assets | 62.8019% | 4,515 |
| Net loans and leases to deposits | 73.9051% | 4,690 |
| Net loans and leases to core deposits | 74.6895% | 5,368 |
| Total domestic deposits to total assets | 84.9764% | 3,640 |
| Equity capital to assets | 8.1494% | 6,599 |
| Core capital (leverage) ratio | 7.6429% | 6,685 |
| Tier 1 risk-based capital ratio | 10.0956% | 6,980 |
| Total risk-based capital ratio | 11.3574% | 6,937 |
| Memoranda: | ||
| Average total assets | $93,781,330 | 5,258 |
| Average earning assets | $76,950,670 | 5,553 |
| Average equity | $7,629,670 | 5,914 |
| Average total loans | $60,886,000 | 5,143 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0955% | 4,547 |
| Cost of funding earning assets | 1.5032% | 3,532 |
| Net interest margin | 3.5923% | 4,767 |
| Noninterest income to average assets | 0.7971% | 2,035 |
| Noninterest expense to average assets | 4.2524% | 763 |
| Loan and lease loss provision to assets | 5.1496% | 148 |
| Net operating income to assets | -5.6629% | 7,806 |
| Return on assets (ROA) | -5.6629% | 7,810 |
| Pretax return on assets | -5.6629% | 7,793 |
| Return on Equity (ROE) | -69.6612% | 7,767 |
| Retained earnings to average equity (ytd only) | -69.6612% | 7,760 |
| Net charge-offs to loans | 2.6142% | 621 |
| Credit loss provision to net charge-offs | 302.4510% | 1,302 |
| Earnings coverage of net charge-offs (x) | -0.3015% | 5,209 |
| Efficiency ratio | 113.7277% | 534 |
| Assets per employee ($millions) | 3.9746% | 3,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3179% | 287 |
| Loan loss allowance to noncurrent loans | 50.1714% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 12.5567% | 231 |
| Noncurrent loans to loans | 8.6063% | 593 |
| Net loans and leases to total assets | 61.2112% | 4,903 |
| Net loans and leases to deposits | 74.0868% | 4,728 |
| Net loans and leases to core deposits | 74.8465% | 5,405 |
| Total domestic deposits to total assets | 82.6210% | 4,789 |
| Equity capital to assets | 7.8414% | 6,817 |
| Core capital (leverage) ratio | 7.7021% | 6,622 |
| Tier 1 risk-based capital ratio | 10.0744% | 6,981 |
| Total risk-based capital ratio | 11.3538% | 6,951 |
| Memoranda: | ||
| Average total assets | $95,852,500 | 5,264 |
| Average earning assets | $78,500,500 | 5,562 |
| Average equity | $7,792,000 | 5,914 |
| Average total loans | $62,429,000 | 5,157 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3503% | 4,939 |
| Cost of funding earning assets | 1.9224% | 3,344 |
| Net interest margin | 3.4279% | 5,261 |
| Noninterest income to average assets | 0.6030% | 3,612 |
| Noninterest expense to average assets | 4.1062% | 1,218 |
| Loan and lease loss provision to assets | 2.2160% | 937 |
| Net operating income to assets | -2.8289% | 7,358 |
| Return on assets (ROA) | -2.8289% | 7,364 |
| Pretax return on assets | -2.8289% | 7,249 |
| Return on Equity (ROE) | -34.4482% | 7,482 |
| Retained earnings to average equity (ytd only) | -34.4482% | 7,469 |
| Net charge-offs to loans | 4.9762% | 266 |
| Credit loss provision to net charge-offs | 65.9205% | 6,557 |
| Earnings coverage of net charge-offs (x) | -0.1823% | 6,423 |
| Efficiency ratio | 117.5454% | 648 |
| Assets per employee ($millions) | 4.0131% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8340% | 898 |
| Loan loss allowance to noncurrent loans | 30.9019% | 6,407 |
| Noncurrent assets plus other real estate owned to assets | 12.2121% | 244 |
| Noncurrent loans to loans | 9.1708% | 484 |
| Net loans and leases to total assets | 64.3977% | 4,514 |
| Net loans and leases to deposits | 78.2874% | 4,317 |
| Net loans and leases to core deposits | 83.7449% | 5,742 |
| Total domestic deposits to total assets | 82.2580% | 4,833 |
| Equity capital to assets | 8.4141% | 6,037 |
| Core capital (leverage) ratio | 8.1611% | 5,887 |
| Tier 1 risk-based capital ratio | 10.4963% | 6,401 |
| Total risk-based capital ratio | 11.7601% | 6,363 |
| Memoranda: | ||
| Average total assets | $100,993,400 | 5,067 |
| Average earning assets | $85,154,400 | 5,294 |
| Average equity | $8,293,600 | 5,838 |
| Average total loans | $68,225,000 | 4,930 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3933% | 4,979 |
| Cost of funding earning assets | 2.0127% | 3,284 |
| Net interest margin | 3.3806% | 5,350 |
| Noninterest income to average assets | 0.6995% | 3,016 |
| Noninterest expense to average assets | 4.1867% | 1,049 |
| Loan and lease loss provision to assets | 2.4052% | 702 |
| Net operating income to assets | -3.0251% | 7,591 |
| Return on assets (ROA) | -3.0251% | 7,600 |
| Pretax return on assets | -3.0251% | 7,509 |
| Return on Equity (ROE) | -37.0530% | 7,723 |
| Retained earnings to average equity (ytd only) | -37.0530% | 7,715 |
| Net charge-offs to loans | 5.7988% | 159 |
| Credit loss provision to net charge-offs | 61.1277% | 6,153 |
| Earnings coverage of net charge-offs (x) | -0.1575% | 6,245 |
| Efficiency ratio | 117.3802% | 638 |
| Assets per employee ($millions) | 3.8092% | 4,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7472% | 837 |
| Loan loss allowance to noncurrent loans | 28.6765% | 6,555 |
| Noncurrent assets plus other real estate owned to assets | 13.4590% | 167 |
| Noncurrent loans to loans | 9.5798% | 429 |
| Net loans and leases to total assets | 66.6912% | 4,260 |
| Net loans and leases to deposits | 81.5004% | 4,113 |
| Net loans and leases to core deposits | 88.1055% | 5,634 |
| Total domestic deposits to total assets | 81.8293% | 4,753 |
| Equity capital to assets | 8.5950% | 6,120 |
| Core capital (leverage) ratio | 7.8638% | 6,553 |
| Tier 1 risk-based capital ratio | 10.1524% | 6,828 |
| Total risk-based capital ratio | 11.4152% | 6,758 |
| Memoranda: | ||
| Average total assets | $102,163,250 | 5,065 |
| Average earning assets | $86,648,500 | 5,284 |
| Average equity | $8,341,000 | 5,872 |
| Average total loans | $69,323,000 | 4,937 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4887% | 4,699 |
| Cost of funding earning assets | 2.0473% | 3,534 |
| Net interest margin | 3.4415% | 5,021 |
| Noninterest income to average assets | 0.6700% | 3,193 |
| Noninterest expense to average assets | 3.8708% | 1,538 |
| Loan and lease loss provision to assets | 3.0304% | 499 |
| Net operating income to assets | -3.3156% | 7,730 |
| Return on assets (ROA) | -3.3156% | 7,729 |
| Pretax return on assets | -3.3156% | 7,636 |
| Return on Equity (ROE) | -41.2725% | 7,856 |
| Retained earnings to average equity (ytd only) | -41.2725% | 7,841 |
| Net charge-offs to loans | 8.6099% | 81 |
| Credit loss provision to net charge-offs | 52.0381% | 5,739 |
| Earnings coverage of net charge-offs (x) | -0.0490% | 5,747 |
| Efficiency ratio | 107.9552% | 912 |
| Assets per employee ($millions) | 4.1113% | 3,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2498% | 1,168 |
| Loan loss allowance to noncurrent loans | 23.9168% | 6,904 |
| Noncurrent assets plus other real estate owned to assets | 12.9126% | 149 |
| Noncurrent loans to loans | 9.4067% | 398 |
| Net loans and leases to total assets | 63.7041% | 5,043 |
| Net loans and leases to deposits | 78.5473% | 4,775 |
| Net loans and leases to core deposits | 85.7444% | 5,930 |
| Total domestic deposits to total assets | 81.1029% | 5,038 |
| Equity capital to assets | 7.9381% | 6,819 |
| Core capital (leverage) ratio | 7.6280% | 6,862 |
| Tier 1 risk-based capital ratio | 9.5245% | 7,368 |
| Total risk-based capital ratio | 10.7813% | 7,321 |
| Memoranda: | ||
| Average total assets | $104,474,330 | 5,031 |
| Average earning assets | $88,508,330 | 5,245 |
| Average equity | $8,393,000 | 5,884 |
| Average total loans | $70,662,670 | 4,930 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4412% | 5,222 |
| Cost of funding earning assets | 2.0638% | 3,813 |
| Net interest margin | 3.3775% | 5,226 |
| Noninterest income to average assets | 0.8393% | 2,129 |
| Noninterest expense to average assets | 4.1550% | 992 |
| Loan and lease loss provision to assets | 2.9586% | 369 |
| Net operating income to assets | -3.3840% | 7,900 |
| Return on assets (ROA) | -3.3840% | 7,900 |
| Pretax return on assets | -3.3840% | 7,819 |
| Return on Equity (ROE) | -41.8801% | 8,005 |
| Retained earnings to average equity (ytd only) | -41.8801% | 7,985 |
| Net charge-offs to loans | 10.1404% | 60 |
| Credit loss provision to net charge-offs | 42.3830% | 4,784 |
| Earnings coverage of net charge-offs (x) | -0.0609% | 5,035 |
| Efficiency ratio | 111.4053% | 779 |
| Assets per employee ($millions) | 4.1355% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7182% | 617 |
| Loan loss allowance to noncurrent loans | 24.2220% | 6,955 |
| Noncurrent assets plus other real estate owned to assets | 13.9300% | 97 |
| Noncurrent loans to loans | 11.2220% | 211 |
| Net loans and leases to total assets | 66.0135% | 4,583 |
| Net loans and leases to deposits | 81.0955% | 4,436 |
| Net loans and leases to core deposits | 88.5834% | 5,686 |
| Total domestic deposits to total assets | 81.4021% | 4,792 |
| Equity capital to assets | 7.8084% | 7,054 |
| Core capital (leverage) ratio | 7.4519% | 7,212 |
| Tier 1 risk-based capital ratio | 9.0771% | 7,747 |
| Total risk-based capital ratio | 10.3389% | 7,756 |
| Memoranda: | ||
| Average total assets | $105,320,000 | 5,028 |
| Average earning assets | $90,126,500 | 5,216 |
| Average equity | $8,510,000 | 5,876 |
| Average total loans | $72,502,000 | 4,885 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7754% | 6,518 |
| Cost of funding earning assets | 2.4798% | 4,318 |
| Net interest margin | 3.2956% | 6,053 |
| Noninterest income to average assets | 0.7211% | 2,978 |
| Noninterest expense to average assets | 3.9667% | 1,465 |
| Loan and lease loss provision to assets | 3.9334% | 173 |
| Net operating income to assets | -4.2735% | 8,025 |
| Return on assets (ROA) | -4.2735% | 8,009 |
| Pretax return on assets | -4.2735% | 7,941 |
| Return on Equity (ROE) | -37.4145% | 8,052 |
| Retained earnings to average equity (ytd only) | -39.2911% | 8,040 |
| Net charge-offs to loans | 3.4324% | 232 |
| Credit loss provision to net charge-offs | 152.9259% | 3,422 |
| Earnings coverage of net charge-offs (x) | -0.1322% | 6,335 |
| Efficiency ratio | 109.3775% | 722 |
| Assets per employee ($millions) | 4.1251% | 3,261 |
| Cash dividends to net income (ytd only)* | -5.0156% | 7,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9628% | 193 |
| Loan loss allowance to noncurrent loans | 32.6257% | 6,546 |
| Noncurrent assets plus other real estate owned to assets | 13.1914% | 82 |
| Noncurrent loans to loans | 12.1461% | 126 |
| Net loans and leases to total assets | 67.0207% | 4,633 |
| Net loans and leases to deposits | 82.3927% | 4,662 |
| Net loans and leases to core deposits | 91.2554% | 5,696 |
| Total domestic deposits to total assets | 81.3430% | 4,487 |
| Equity capital to assets | 8.3420% | 6,354 |
| Core capital (leverage) ratio | 8.1249% | 6,288 |
| Tier 1 risk-based capital ratio | 9.9220% | 6,822 |
| Total risk-based capital ratio | 11.1986% | 6,686 |
| Memoranda: | ||
| Average total assets | $104,972,600 | 4,899 |
| Average earning assets | $92,547,600 | 5,013 |
| Average equity | $11,990,000 | 4,828 |
| Average total loans | $78,661,200 | 4,565 |