Home > State Bank of Georgia > Performance and Condition Ratios
State Bank of Georgia, 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 | 5.3257% | 446 |
| Cost of funding earning assets | 0.4382% | 3,433 |
| Net interest margin | 4.8875% | 312 |
| Noninterest income to average assets | 0.2296% | 4,643 |
| Noninterest expense to average assets | 3.6876% | 774 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9391% | 3,279 |
| Return on assets (ROA) | 0.9391% | 3,283 |
| Pretax return on assets | 1.2438% | 2,747 |
| Return on Equity (ROE) | 6.8624% | 3,940 |
| Retained earnings to average equity (ytd only) | 6.8624% | 2,138 |
| Net charge-offs to loans | 0.0581% | 1,774 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 25.9130% | 1,621 |
| Efficiency ratio | 74.7778% | 1,598 |
| Assets per employee ($millions) | 5.0612% | 2,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8694% | 4,478 |
| Loan loss allowance to noncurrent loans | 791.0112% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.0926% | 4,551 |
| Noncurrent loans to loans | 0.1099% | 4,417 |
| Net loans and leases to total assets | 83.4779% | 525 |
| Net loans and leases to deposits | 99.9477% | 808 |
| Net loans and leases to core deposits | 103.0673% | 1,476 |
| Total domestic deposits to total assets | 83.5216% | 3,245 |
| Equity capital to assets | 13.8724% | 964 |
| Core capital (leverage) ratio | 14.7570% | 727 |
| Tier 1 risk-based capital ratio | 16.5943% | 2,228 |
| Total risk-based capital ratio | 17.4652% | 2,306 |
| Memoranda: | ||
| Average total assets | $95,833,670 | 4,251 |
| Average earning assets | $92,195,000 | 4,177 |
| Average equity | $13,115,000 | 3,915 |
| Average total loans | $79,179,330 | 3,729 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2970% | 406 |
| Cost of funding earning assets | 0.4101% | 3,512 |
| Net interest margin | 4.8869% | 285 |
| Noninterest income to average assets | 0.2300% | 4,629 |
| Noninterest expense to average assets | 4.2187% | 397 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5185% | 4,648 |
| Return on assets (ROA) | 0.5185% | 4,648 |
| Pretax return on assets | 0.6941% | 4,455 |
| Return on Equity (ROE) | 3.8147% | 4,815 |
| Retained earnings to average equity (ytd only) | 3.8147% | 3,668 |
| Net charge-offs to loans | 0.1175% | 1,077 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 7.2174% | 2,107 |
| Efficiency ratio | 85.8723% | 660 |
| Assets per employee ($millions) | 4.7759% | 2,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8662% | 4,577 |
| Loan loss allowance to noncurrent loans | 756.9892% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 4,569 |
| Noncurrent loans to loans | 0.1144% | 4,453 |
| Net loans and leases to total assets | 88.7935% | 98 |
| Net loans and leases to deposits | 106.9941% | 346 |
| Net loans and leases to core deposits | 110.5512% | 966 |
| Total domestic deposits to total assets | 82.9891% | 3,670 |
| Equity capital to assets | 14.3517% | 806 |
| Core capital (leverage) ratio | 14.3126% | 806 |
| Tier 1 risk-based capital ratio | 16.4640% | 2,284 |
| Total risk-based capital ratio | 17.3568% | 2,375 |
| Memoranda: | ||
| Average total assets | $95,669,500 | 4,291 |
| Average earning assets | $91,674,500 | 4,239 |
| Average equity | $13,002,500 | 3,965 |
| Average total loans | $78,280,000 | 3,774 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2008% | 446 |
| Cost of funding earning assets | 0.4570% | 2,704 |
| Net interest margin | 4.7438% | 393 |
| Noninterest income to average assets | 0.2531% | 4,617 |
| Noninterest expense to average assets | 3.5964% | 902 |
| Loan and lease loss provision to assets | -0.5649% | 5,653 |
| Net operating income to assets | 1.1807% | 1,580 |
| Return on assets (ROA) | 1.1852% | 1,584 |
| Pretax return on assets | 1.7796% | 835 |
| Return on Equity (ROE) | 8.4218% | 2,593 |
| Retained earnings to average equity (ytd only) | 8.4218% | 639 |
| Net charge-offs to loans | -0.6549% | 5,618 |
| Credit loss provision to net charge-offs | 110.6195% | 2,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8589% | 1,783 |
| Assets per employee ($millions) | 5.0299% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9657% | 4,129 |
| Loan loss allowance to noncurrent loans | 712.7451% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 4,622 |
| Noncurrent loans to loans | 0.1355% | 4,385 |
| Net loans and leases to total assets | 74.1135% | 1,900 |
| Net loans and leases to deposits | 89.9218% | 1,783 |
| Net loans and leases to core deposits | 92.6196% | 2,314 |
| Total domestic deposits to total assets | 82.4200% | 3,752 |
| Equity capital to assets | 12.9050% | 1,314 |
| Core capital (leverage) ratio | 13.4095% | 1,004 |
| Tier 1 risk-based capital ratio | 17.2031% | 2,026 |
| Total risk-based capital ratio | 18.1782% | 2,056 |
| Memoranda: | ||
| Average total assets | $88,505,200 | 4,453 |
| Average earning assets | $84,910,800 | 4,381 |
| Average equity | $12,455,800 | 4,061 |
| Average total loans | $69,018,400 | 3,989 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2606% | 374 |
| Cost of funding earning assets | 0.4407% | 2,804 |
| Net interest margin | 4.8199% | 321 |
| Noninterest income to average assets | 0.2449% | 4,734 |
| Noninterest expense to average assets | 3.4595% | 1,054 |
| Loan and lease loss provision to assets | -0.7799% | 5,724 |
| Net operating income to assets | 1.3759% | 1,144 |
| Return on assets (ROA) | 1.3819% | 1,148 |
| Pretax return on assets | 2.1977% | 368 |
| Return on Equity (ROE) | 9.5852% | 2,310 |
| Retained earnings to average equity (ytd only) | 9.5852% | 687 |
| Net charge-offs to loans | -0.9488% | 5,687 |
| Credit loss provision to net charge-offs | 104.1667% | 2,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0670% | 2,354 |
| Assets per employee ($millions) | 5.0367% | 2,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 3,916 |
| Loan loss allowance to noncurrent loans | 135.2415% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.5841% | 2,763 |
| Noncurrent loans to loans | 0.7599% | 2,459 |
| Net loans and leases to total assets | 76.0755% | 1,583 |
| Net loans and leases to deposits | 93.2176% | 1,392 |
| Net loans and leases to core deposits | 95.5545% | 2,126 |
| Total domestic deposits to total assets | 81.6107% | 3,891 |
| Equity capital to assets | 13.4006% | 1,201 |
| Core capital (leverage) ratio | 13.8608% | 927 |
| Tier 1 risk-based capital ratio | 17.4185% | 2,032 |
| Total risk-based capital ratio | 18.4455% | 2,050 |
| Memoranda: | ||
| Average total assets | $85,482,250 | 4,537 |
| Average earning assets | $81,990,500 | 4,476 |
| Average equity | $12,324,250 | 4,121 |
| Average total loans | $67,452,250 | 4,053 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2923% | 339 |
| Cost of funding earning assets | 0.4610% | 2,496 |
| Net interest margin | 4.8314% | 302 |
| Noninterest income to average assets | 0.2217% | 4,920 |
| Noninterest expense to average assets | 3.6039% | 870 |
| Loan and lease loss provision to assets | -1.2184% | 5,780 |
| Net operating income to assets | 1.5550% | 780 |
| Return on assets (ROA) | 1.5644% | 786 |
| Pretax return on assets | 2.4733% | 223 |
| Return on Equity (ROE) | 10.5612% | 1,808 |
| Retained earnings to average equity (ytd only) | 10.5612% | 502 |
| Net charge-offs to loans | -1.4675% | 5,739 |
| Credit loss provision to net charge-offs | 104.1667% | 1,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3964% | 1,941 |
| Assets per employee ($millions) | 4.5027% | 3,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0451% | 3,877 |
| Loan loss allowance to noncurrent loans | 733.0097% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 4,388 |
| Noncurrent loans to loans | 0.1426% | 4,552 |
| Net loans and leases to total assets | 79.3799% | 1,038 |
| Net loans and leases to deposits | 98.2503% | 874 |
| Net loans and leases to core deposits | 100.7541% | 1,599 |
| Total domestic deposits to total assets | 80.7935% | 4,236 |
| Equity capital to assets | 13.9873% | 972 |
| Core capital (leverage) ratio | 15.3824% | 564 |
| Tier 1 risk-based capital ratio | 17.3703% | 2,048 |
| Total risk-based capital ratio | 18.4209% | 2,056 |
| Memoranda: | ||
| Average total assets | $82,077,330 | 4,630 |
| Average earning assets | $78,528,670 | 4,556 |
| Average equity | $12,157,670 | 4,160 |
| Average total loans | $65,417,000 | 4,116 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4549% | 250 |
| Cost of funding earning assets | 0.4881% | 2,181 |
| Net interest margin | 4.9668% | 235 |
| Noninterest income to average assets | 0.2151% | 4,978 |
| Noninterest expense to average assets | 3.8059% | 676 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7237% | 3,603 |
| Return on assets (ROA) | 0.7171% | 3,668 |
| Pretax return on assets | 1.1423% | 2,811 |
| Return on Equity (ROE) | 4.6907% | 4,516 |
| Retained earnings to average equity (ytd only) | 4.6907% | 3,058 |
| Net charge-offs to loans | -3.2384% | 5,813 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7562% | 1,792 |
| Assets per employee ($millions) | 3.7511% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9823% | 689 |
| Loan loss allowance to noncurrent loans | 668.5864% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.2733% | 4,117 |
| Noncurrent loans to loans | 0.2965% | 4,055 |
| Net loans and leases to total assets | 84.1684% | 350 |
| Net loans and leases to deposits | 108.2141% | 257 |
| Net loans and leases to core deposits | 111.4083% | 803 |
| Total domestic deposits to total assets | 77.7796% | 4,995 |
| Equity capital to assets | 16.0275% | 491 |
| Core capital (leverage) ratio | 15.3119% | 555 |
| Tier 1 risk-based capital ratio | 18.4832% | 1,746 |
| Total risk-based capital ratio | 19.7438% | 1,704 |
| Memoranda: | ||
| Average total assets | $78,089,500 | 4,749 |
| Average earning assets | $74,575,500 | 4,688 |
| Average equity | $11,938,500 | 4,223 |
| Average total loans | $62,006,000 | 4,243 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9606% | 645 |
| Cost of funding earning assets | 0.5412% | 1,780 |
| Net interest margin | 4.4194% | 742 |
| Noninterest income to average assets | 0.2306% | 5,028 |
| Noninterest expense to average assets | 3.0940% | 2,055 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8482% | 3,073 |
| Return on assets (ROA) | 0.8563% | 3,152 |
| Pretax return on assets | 1.3635% | 2,056 |
| Return on Equity (ROE) | 5.7816% | 4,083 |
| Retained earnings to average equity (ytd only) | 5.7816% | 1,836 |
| Net charge-offs to loans | -0.0594% | 5,441 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6101% | 2,978 |
| Assets per employee ($millions) | 4.7740% | 2,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 2,541 |
| Loan loss allowance to noncurrent loans | 84.5147% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 1.1299% | 1,636 |
| Noncurrent loans to loans | 1.5388% | 1,300 |
| Net loans and leases to total assets | 72.4710% | 2,099 |
| Net loans and leases to deposits | 90.8959% | 1,585 |
| Net loans and leases to core deposits | 92.8459% | 2,223 |
| Total domestic deposits to total assets | 79.7297% | 4,624 |
| Equity capital to assets | 14.6048% | 710 |
| Core capital (leverage) ratio | 13.7833% | 874 |
| Tier 1 risk-based capital ratio | 18.8051% | 1,655 |
| Total risk-based capital ratio | 20.0576% | 1,617 |
| Memoranda: | ||
| Average total assets | $78,474,400 | 4,756 |
| Average earning assets | $74,830,000 | 4,708 |
| Average equity | $11,623,000 | 4,312 |
| Average total loans | $53,830,600 | 4,466 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8405% | 827 |
| Cost of funding earning assets | 0.5556% | 1,643 |
| Net interest margin | 4.2849% | 959 |
| Noninterest income to average assets | 0.2416% | 5,029 |
| Noninterest expense to average assets | 3.1000% | 2,028 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7651% | 3,534 |
| Return on assets (ROA) | 0.7694% | 3,660 |
| Pretax return on assets | 1.2321% | 2,695 |
| Return on Equity (ROE) | 5.1762% | 4,442 |
| Retained earnings to average equity (ytd only) | 5.1762% | 2,711 |
| Net charge-offs to loans | 0.0942% | 2,013 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 19.3252% | 1,940 |
| Efficiency ratio | 71.6719% | 2,622 |
| Assets per employee ($millions) | 5.3914% | 1,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 2,740 |
| Loan loss allowance to noncurrent loans | 69.6940% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 1.1052% | 1,839 |
| Noncurrent loans to loans | 1.8514% | 1,094 |
| Net loans and leases to total assets | 58.9260% | 4,000 |
| Net loans and leases to deposits | 71.7934% | 3,828 |
| Net loans and leases to core deposits | 73.1112% | 4,074 |
| Total domestic deposits to total assets | 82.0772% | 3,916 |
| Equity capital to assets | 12.8996% | 1,543 |
| Core capital (leverage) ratio | 13.7342% | 934 |
| Tier 1 risk-based capital ratio | 18.6720% | 1,744 |
| Total risk-based capital ratio | 19.8370% | 1,732 |
| Memoranda: | ||
| Average total assets | $77,803,500 | 4,817 |
| Average earning assets | $74,150,500 | 4,753 |
| Average equity | $11,565,500 | 4,363 |
| Average total loans | $52,390,500 | 4,543 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1001% | 493 |
| Cost of funding earning assets | 0.6012% | 1,307 |
| Net interest margin | 4.4989% | 622 |
| Noninterest income to average assets | 0.2459% | 5,010 |
| Noninterest expense to average assets | 3.2356% | 1,726 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8019% | 3,302 |
| Return on assets (ROA) | 0.8089% | 3,399 |
| Pretax return on assets | 1.2953% | 2,426 |
| Return on Equity (ROE) | 5.1569% | 4,442 |
| Retained earnings to average equity (ytd only) | 5.1569% | 2,625 |
| Net charge-offs to loans | -0.1007% | 5,619 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5840% | 2,733 |
| Assets per employee ($millions) | 4.7403% | 2,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4680% | 1,989 |
| Loan loss allowance to noncurrent loans | 77.4421% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 1.2322% | 1,665 |
| Noncurrent loans to loans | 1.8957% | 1,072 |
| Net loans and leases to total assets | 64.0491% | 3,354 |
| Net loans and leases to deposits | 80.2868% | 2,894 |
| Net loans and leases to core deposits | 82.0194% | 3,268 |
| Total domestic deposits to total assets | 79.7754% | 4,601 |
| Equity capital to assets | 14.4878% | 875 |
| Core capital (leverage) ratio | 14.7412% | 656 |
| Tier 1 risk-based capital ratio | 19.7036% | 1,520 |
| Total risk-based capital ratio | 20.9602% | 1,481 |
| Memoranda: | ||
| Average total assets | $73,186,670 | 4,956 |
| Average earning assets | $69,528,670 | 4,898 |
| Average equity | $11,479,670 | 4,401 |
| Average total loans | $51,616,000 | 4,598 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2522% | 384 |
| Cost of funding earning assets | 0.6512% | 1,048 |
| Net interest margin | 4.6010% | 498 |
| Noninterest income to average assets | 0.2936% | 4,623 |
| Noninterest expense to average assets | 3.3445% | 1,498 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8117% | 3,180 |
| Return on assets (ROA) | 0.8117% | 3,306 |
| Pretax return on assets | 1.3010% | 2,300 |
| Return on Equity (ROE) | 4.9552% | 4,503 |
| Retained earnings to average equity (ytd only) | 4.9552% | 2,972 |
| Net charge-offs to loans | -0.1874% | 5,831 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9950% | 2,803 |
| Assets per employee ($millions) | 4.4108% | 3,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4628% | 2,146 |
| Loan loss allowance to noncurrent loans | 61.2620% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 1.7741% | 1,053 |
| Noncurrent loans to loans | 2.3879% | 814 |
| Net loans and leases to total assets | 73.2089% | 1,852 |
| Net loans and leases to deposits | 94.9497% | 1,048 |
| Net loans and leases to core deposits | 96.9179% | 1,714 |
| Total domestic deposits to total assets | 77.1028% | 5,273 |
| Equity capital to assets | 16.2997% | 497 |
| Core capital (leverage) ratio | 15.8739% | 489 |
| Tier 1 risk-based capital ratio | 20.0177% | 1,495 |
| Total risk-based capital ratio | 21.2757% | 1,467 |
| Memoranda: | ||
| Average total assets | $69,487,500 | 5,082 |
| Average earning assets | $65,725,000 | 5,029 |
| Average equity | $11,382,000 | 4,432 |
| Average total loans | $51,232,500 | 4,637 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6877% | 1,133 |
| Cost of funding earning assets | 0.7381% | 677 |
| Net interest margin | 3.9496% | 1,872 |
| Noninterest income to average assets | 0.1926% | 5,435 |
| Noninterest expense to average assets | 3.2241% | 1,904 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.5536% | 144 |
| Return on assets (ROA) | 2.5566% | 145 |
| Pretax return on assets | 0.7511% | 4,361 |
| Return on Equity (ROE) | 17.1746% | 441 |
| Retained earnings to average equity (ytd only) | 17.1746% | 88 |
| Net charge-offs to loans | 1.4155% | 118 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 0.7637% | 4,183 |
| Efficiency ratio | 81.1654% | 1,511 |
| Assets per employee ($millions) | 4.5602% | 2,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4850% | 2,086 |
| Loan loss allowance to noncurrent loans | 51.8855% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 2.0935% | 823 |
| Noncurrent loans to loans | 2.8621% | 585 |
| Net loans and leases to total assets | 72.0582% | 2,041 |
| Net loans and leases to deposits | 93.6680% | 1,233 |
| Net loans and leases to core deposits | 97.2611% | 1,737 |
| Total domestic deposits to total assets | 76.9294% | 5,327 |
| Equity capital to assets | 16.4627% | 471 |
| Core capital (leverage) ratio | 16.2418% | 436 |
| Tier 1 risk-based capital ratio | 20.3465% | 1,417 |
| Total risk-based capital ratio | 21.6072% | 1,394 |
| Memoranda: | ||
| Average total assets | $66,964,000 | 5,159 |
| Average earning assets | $64,082,600 | 5,083 |
| Average equity | $9,968,200 | 4,665 |
| Average total loans | $46,344,800 | 4,781 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5262% | 1,522 |
| Cost of funding earning assets | 0.7464% | 660 |
| Net interest margin | 3.7798% | 2,461 |
| Noninterest income to average assets | 0.2022% | 5,430 |
| Noninterest expense to average assets | 3.1989% | 1,970 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6326% | 4,230 |
| Return on assets (ROA) | 0.6366% | 4,315 |
| Pretax return on assets | 0.6366% | 4,879 |
| Return on Equity (ROE) | 4.3960% | 4,875 |
| Retained earnings to average equity (ytd only) | 4.3960% | 3,345 |
| Net charge-offs to loans | 1.9314% | 67 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 0.4802% | 3,944 |
| Efficiency ratio | 83.4901% | 1,221 |
| Assets per employee ($millions) | 4.2632% | 3,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6350% | 1,655 |
| Loan loss allowance to noncurrent loans | 62.3737% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 1.8578% | 1,132 |
| Noncurrent loans to loans | 2.6213% | 749 |
| Net loans and leases to total assets | 69.7129% | 2,435 |
| Net loans and leases to deposits | 89.9407% | 1,658 |
| Net loans and leases to core deposits | 93.5513% | 2,121 |
| Total domestic deposits to total assets | 77.5099% | 5,259 |
| Equity capital to assets | 15.4157% | 659 |
| Core capital (leverage) ratio | 15.3190% | 585 |
| Tier 1 risk-based capital ratio | 20.4263% | 1,447 |
| Total risk-based capital ratio | 21.6791% | 1,416 |
| Memoranda: | ||
| Average total assets | $66,604,250 | 5,229 |
| Average earning assets | $63,952,000 | 5,149 |
| Average equity | $9,645,000 | 4,781 |
| Average total loans | $45,422,750 | 4,862 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4590% | 1,661 |
| Cost of funding earning assets | 0.7529% | 636 |
| Net interest margin | 3.7060% | 2,682 |
| Noninterest income to average assets | 0.1985% | 5,491 |
| Noninterest expense to average assets | 3.2331% | 1,886 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5245% | 4,672 |
| Return on assets (ROA) | 0.5305% | 4,756 |
| Pretax return on assets | 0.5305% | 5,147 |
| Return on Equity (ROE) | 3.7393% | 5,122 |
| Retained earnings to average equity (ytd only) | 3.7393% | 3,637 |
| Net charge-offs to loans | 0.6160% | 378 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.2643% | 3,546 |
| Efficiency ratio | 86.0410% | 1,058 |
| Assets per employee ($millions) | 4.3277% | 3,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8443% | 318 |
| Loan loss allowance to noncurrent loans | 364.9275% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.5315% | 3,842 |
| Noncurrent loans to loans | 0.7794% | 3,159 |
| Net loans and leases to total assets | 66.2482% | 2,907 |
| Net loans and leases to deposits | 84.6006% | 2,239 |
| Net loans and leases to core deposits | 87.8981% | 2,564 |
| Total domestic deposits to total assets | 78.3070% | 5,213 |
| Equity capital to assets | 14.7901% | 745 |
| Core capital (leverage) ratio | 14.8468% | 649 |
| Tier 1 risk-based capital ratio | 21.6569% | 1,256 |
| Total risk-based capital ratio | 22.9267% | 1,236 |
| Memoranda: | ||
| Average total assets | $67,489,670 | 5,264 |
| Average earning assets | $64,813,000 | 5,183 |
| Average equity | $9,574,000 | 4,827 |
| Average total loans | $45,456,670 | 4,906 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3499% | 1,939 |
| Cost of funding earning assets | 0.7562% | 633 |
| Net interest margin | 3.5937% | 3,030 |
| Noninterest income to average assets | 0.1861% | 5,596 |
| Noninterest expense to average assets | 3.4081% | 1,476 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2326% | 5,606 |
| Return on assets (ROA) | 0.2443% | 5,667 |
| Pretax return on assets | 0.2443% | 5,762 |
| Return on Equity (ROE) | 1.7572% | 5,742 |
| Retained earnings to average equity (ytd only) | 1.7572% | 4,772 |
| Net charge-offs to loans | -0.0261% | 5,174 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6102% | 614 |
| Assets per employee ($millions) | 4.2169% | 3,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0597% | 282 |
| Loan loss allowance to noncurrent loans | 294.9474% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.7040% | 3,376 |
| Noncurrent loans to loans | 1.0374% | 2,692 |
| Net loans and leases to total assets | 65.7883% | 2,817 |
| Net loans and leases to deposits | 83.1096% | 2,195 |
| Net loans and leases to core deposits | 86.1736% | 2,527 |
| Total domestic deposits to total assets | 79.1585% | 5,244 |
| Equity capital to assets | 14.2580% | 904 |
| Core capital (leverage) ratio | 14.1183% | 789 |
| Tier 1 risk-based capital ratio | 21.1769% | 1,383 |
| Total risk-based capital ratio | 22.4494% | 1,357 |
| Memoranda: | ||
| Average total assets | $68,777,000 | 5,292 |
| Average earning assets | $66,116,000 | 5,201 |
| Average equity | $9,560,500 | 4,871 |
| Average total loans | $46,053,000 | 4,917 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8681% | 978 |
| Cost of funding earning assets | 0.8826% | 434 |
| Net interest margin | 3.9855% | 1,935 |
| Noninterest income to average assets | 0.2067% | 5,625 |
| Noninterest expense to average assets | 3.2399% | 2,100 |
| Loan and lease loss provision to assets | 0.0115% | 4,392 |
| Net operating income to assets | 0.7278% | 3,752 |
| Return on assets (ROA) | 0.7866% | 3,531 |
| Pretax return on assets | 0.7866% | 4,307 |
| Return on Equity (ROE) | 6.0825% | 4,101 |
| Retained earnings to average equity (ytd only) | 6.0825% | 1,872 |
| Net charge-offs to loans | -0.6948% | 6,427 |
| Credit loss provision to net charge-offs | -2.2857% | 5,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4214% | 1,721 |
| Assets per employee ($millions) | 4.1225% | 3,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0183% | 294 |
| Loan loss allowance to noncurrent loans | 153.4577% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 1.2999% | 2,167 |
| Noncurrent loans to loans | 1.9669% | 1,422 |
| Net loans and leases to total assets | 64.0940% | 3,213 |
| Net loans and leases to deposits | 79.9811% | 2,716 |
| Net loans and leases to core deposits | 82.7375% | 3,027 |
| Total domestic deposits to total assets | 80.1364% | 4,979 |
| Equity capital to assets | 13.5568% | 1,135 |
| Core capital (leverage) ratio | 13.6942% | 902 |
| Tier 1 risk-based capital ratio | 20.1336% | 1,570 |
| Total risk-based capital ratio | 21.4048% | 1,538 |
| Memoranda: | ||
| Average total assets | $69,663,600 | 5,304 |
| Average earning assets | $65,939,600 | 5,228 |
| Average equity | $9,009,400 | 4,974 |
| Average total loans | $50,372,000 | 4,808 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9659% | 817 |
| Cost of funding earning assets | 0.9147% | 381 |
| Net interest margin | 4.0512% | 1,716 |
| Noninterest income to average assets | 0.1744% | 5,875 |
| Noninterest expense to average assets | 3.2701% | 1,969 |
| Loan and lease loss provision to assets | 0.0153% | 4,101 |
| Net operating income to assets | 0.7092% | 3,891 |
| Return on assets (ROA) | 0.7092% | 4,000 |
| Pretax return on assets | 0.7092% | 4,677 |
| Return on Equity (ROE) | 5.5513% | 4,461 |
| Retained earnings to average equity (ytd only) | 5.5513% | 2,707 |
| Net charge-offs to loans | 0.0623% | 3,316 |
| Credit loss provision to net charge-offs | 33.3333% | 3,398 |
| Earnings coverage of net charge-offs (x) | 15.7497% | 2,033 |
| Efficiency ratio | 81.8618% | 1,639 |
| Assets per employee ($millions) | 4.3450% | 3,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0140% | 1,231 |
| Loan loss allowance to noncurrent loans | 98.2742% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 2.9876% | 790 |
| Noncurrent loans to loans | 2.0494% | 1,530 |
| Net loans and leases to total assets | 71.7333% | 1,896 |
| Net loans and leases to deposits | 89.3069% | 1,508 |
| Net loans and leases to core deposits | 92.8365% | 1,969 |
| Total domestic deposits to total assets | 80.3222% | 5,008 |
| Equity capital to assets | 13.2509% | 1,303 |
| Core capital (leverage) ratio | 13.5950% | 966 |
| Tier 1 risk-based capital ratio | 17.7723% | 2,288 |
| Total risk-based capital ratio | 19.0304% | 2,249 |
| Memoranda: | ||
| Average total assets | $69,558,750 | 5,359 |
| Average earning assets | $65,592,250 | 5,293 |
| Average equity | $8,886,500 | 5,040 |
| Average total loans | $51,385,750 | 4,817 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9826% | 773 |
| Cost of funding earning assets | 0.9409% | 329 |
| Net interest margin | 4.0417% | 1,691 |
| Noninterest income to average assets | 0.1782% | 5,883 |
| Noninterest expense to average assets | 3.2082% | 2,169 |
| Loan and lease loss provision to assets | 0.0230% | 3,816 |
| Net operating income to assets | 0.7503% | 3,570 |
| Return on assets (ROA) | 0.7503% | 3,672 |
| Pretax return on assets | 0.7503% | 4,459 |
| Return on Equity (ROE) | 5.9467% | 4,178 |
| Retained earnings to average equity (ytd only) | 5.9467% | 2,352 |
| Net charge-offs to loans | 0.0698% | 3,003 |
| Credit loss provision to net charge-offs | 44.4444% | 2,870 |
| Earnings coverage of net charge-offs (x) | 14.9444% | 1,882 |
| Efficiency ratio | 80.5776% | 1,935 |
| Assets per employee ($millions) | 4.2937% | 3,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9973% | 1,367 |
| Loan loss allowance to noncurrent loans | 110.9914% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 2.8559% | 909 |
| Noncurrent loans to loans | 1.7995% | 1,903 |
| Net loans and leases to total assets | 73.5658% | 1,496 |
| Net loans and leases to deposits | 91.5147% | 1,214 |
| Net loans and leases to core deposits | 95.2488% | 1,664 |
| Total domestic deposits to total assets | 80.3869% | 5,160 |
| Equity capital to assets | 13.1443% | 1,295 |
| Core capital (leverage) ratio | 13.6811% | 924 |
| Tier 1 risk-based capital ratio | 17.3328% | 2,484 |
| Total risk-based capital ratio | 18.5915% | 2,442 |
| Memoranda: | ||
| Average total assets | $69,571,670 | 5,406 |
| Average earning assets | $65,467,670 | 5,335 |
| Average equity | $8,778,000 | 5,089 |
| Average total loans | $51,549,670 | 4,841 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0250% | 686 |
| Cost of funding earning assets | 0.9952% | 279 |
| Net interest margin | 4.0298% | 1,660 |
| Noninterest income to average assets | 0.1428% | 6,117 |
| Noninterest expense to average assets | 3.0796% | 2,591 |
| Loan and lease loss provision to assets | 0.0457% | 3,185 |
| Net operating income to assets | 0.7885% | 3,206 |
| Return on assets (ROA) | 0.7885% | 3,285 |
| Pretax return on assets | 0.7885% | 4,154 |
| Return on Equity (ROE) | 6.3800% | 3,813 |
| Retained earnings to average equity (ytd only) | 6.3800% | 2,339 |
| Net charge-offs to loans | -0.0078% | 4,948 |
| Credit loss provision to net charge-offs | -800.0000% | 5,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6861% | 2,375 |
| Assets per employee ($millions) | 4.2963% | 3,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0558% | 1,400 |
| Loan loss allowance to noncurrent loans | 383.2117% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 2.8935% | 1,007 |
| Noncurrent loans to loans | 0.5365% | 4,564 |
| Net loans and leases to total assets | 72.7728% | 1,451 |
| Net loans and leases to deposits | 90.0733% | 1,142 |
| Net loans and leases to core deposits | 95.6043% | 1,408 |
| Total domestic deposits to total assets | 80.7928% | 5,292 |
| Equity capital to assets | 12.8062% | 1,395 |
| Core capital (leverage) ratio | 13.0059% | 1,158 |
| Tier 1 risk-based capital ratio | 17.1485% | 2,622 |
| Total risk-based capital ratio | 18.4071% | 2,572 |
| Memoranda: | ||
| Average total assets | $70,008,000 | 5,446 |
| Average earning assets | $65,512,000 | 5,388 |
| Average equity | $8,652,000 | 5,136 |
| Average total loans | $51,540,000 | 4,880 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1391% | 725 |
| Cost of funding earning assets | 1.0648% | 333 |
| Net interest margin | 4.0742% | 1,719 |
| Noninterest income to average assets | 0.1028% | 6,380 |
| Noninterest expense to average assets | 3.2360% | 2,320 |
| Loan and lease loss provision to assets | 0.0617% | 3,904 |
| Net operating income to assets | 0.6072% | 4,232 |
| Return on assets (ROA) | 0.6072% | 4,350 |
| Pretax return on assets | 0.6072% | 4,859 |
| Return on Equity (ROE) | 5.2329% | 4,527 |
| Retained earnings to average equity (ytd only) | 5.2329% | 2,462 |
| Net charge-offs to loans | 1.1377% | 480 |
| Credit loss provision to net charge-offs | 7.3529% | 4,618 |
| Earnings coverage of net charge-offs (x) | 0.7974% | 4,819 |
| Efficiency ratio | 82.8712% | 1,766 |
| Assets per employee ($millions) | 4.4548% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0017% | 1,549 |
| Loan loss allowance to noncurrent loans | 378.5455% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 2.7920% | 1,176 |
| Noncurrent loans to loans | 0.5288% | 4,668 |
| Net loans and leases to total assets | 71.5037% | 1,769 |
| Net loans and leases to deposits | 87.2285% | 1,551 |
| Net loans and leases to core deposits | 93.6031% | 1,628 |
| Total domestic deposits to total assets | 81.9729% | 4,889 |
| Equity capital to assets | 11.9269% | 1,851 |
| Core capital (leverage) ratio | 12.6280% | 1,293 |
| Tier 1 risk-based capital ratio | 16.5009% | 2,854 |
| Total risk-based capital ratio | 17.7582% | 2,818 |
| Memoranda: | ||
| Average total assets | $72,960,400 | 5,393 |
| Average earning assets | $68,086,200 | 5,347 |
| Average equity | $8,465,600 | 5,220 |
| Average total loans | $53,792,800 | 4,817 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1343% | 732 |
| Cost of funding earning assets | 1.0736% | 353 |
| Net interest margin | 4.0607% | 1,757 |
| Noninterest income to average assets | 0.1690% | 6,178 |
| Noninterest expense to average assets | 3.3541% | 1,930 |
| Loan and lease loss provision to assets | 0.0273% | 4,466 |
| Net operating income to assets | 0.5742% | 4,450 |
| Return on assets (ROA) | 0.5742% | 4,589 |
| Pretax return on assets | 0.5742% | 5,119 |
| Return on Equity (ROE) | 4.9821% | 4,734 |
| Retained earnings to average equity (ytd only) | 4.9821% | 3,101 |
| Net charge-offs to loans | 1.3422% | 392 |
| Credit loss provision to net charge-offs | 2.7473% | 4,305 |
| Earnings coverage of net charge-offs (x) | 0.6062% | 4,654 |
| Efficiency ratio | 84.7956% | 1,500 |
| Assets per employee ($millions) | 4.4831% | 2,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9711% | 1,794 |
| Loan loss allowance to noncurrent loans | 100.8427% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 4.3901% | 691 |
| Noncurrent loans to loans | 1.9546% | 2,304 |
| Net loans and leases to total assets | 74.6727% | 1,178 |
| Net loans and leases to deposits | 90.9326% | 1,072 |
| Net loans and leases to core deposits | 98.0450% | 1,240 |
| Total domestic deposits to total assets | 82.1188% | 4,883 |
| Equity capital to assets | 11.7568% | 2,078 |
| Core capital (leverage) ratio | 12.3162% | 1,509 |
| Tier 1 risk-based capital ratio | 15.3372% | 3,543 |
| Total risk-based capital ratio | 16.5951% | 3,494 |
| Memoranda: | ||
| Average total assets | $73,381,500 | 5,445 |
| Average earning assets | $68,426,500 | 5,396 |
| Average equity | $8,456,750 | 5,282 |
| Average total loans | $54,239,500 | 4,845 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0576% | 832 |
| Cost of funding earning assets | 1.0821% | 359 |
| Net interest margin | 3.9755% | 1,944 |
| Noninterest income to average assets | 0.1758% | 6,156 |
| Noninterest expense to average assets | 3.3274% | 1,997 |
| Loan and lease loss provision to assets | 0.0406% | 4,144 |
| Net operating income to assets | 0.5248% | 4,693 |
| Return on assets (ROA) | 0.5248% | 4,860 |
| Pretax return on assets | 0.5248% | 5,288 |
| Return on Equity (ROE) | 4.5838% | 4,961 |
| Retained earnings to average equity (ytd only) | 4.5838% | 3,351 |
| Net charge-offs to loans | 1.7854% | 266 |
| Credit loss provision to net charge-offs | 3.1056% | 3,974 |
| Earnings coverage of net charge-offs (x) | 0.4327% | 4,397 |
| Efficiency ratio | 85.4760% | 1,464 |
| Assets per employee ($millions) | 4.5634% | 2,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1154% | 1,601 |
| Loan loss allowance to noncurrent loans | 87.0229% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 4.9045% | 630 |
| Noncurrent loans to loans | 2.4308% | 1,927 |
| Net loans and leases to total assets | 72.2468% | 1,531 |
| Net loans and leases to deposits | 88.0622% | 1,333 |
| Net loans and leases to core deposits | 94.3785% | 1,489 |
| Total domestic deposits to total assets | 82.0407% | 5,048 |
| Equity capital to assets | 11.5031% | 2,291 |
| Core capital (leverage) ratio | 12.1274% | 1,548 |
| Tier 1 risk-based capital ratio | 15.1705% | 3,665 |
| Total risk-based capital ratio | 16.4297% | 3,627 |
| Memoranda: | ||
| Average total assets | $73,932,330 | 5,464 |
| Average earning assets | $69,124,000 | 5,415 |
| Average equity | $8,464,670 | 5,322 |
| Average total loans | $54,106,330 | 4,880 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9759% | 938 |
| Cost of funding earning assets | 1.0956% | 382 |
| Net interest margin | 3.8803% | 2,179 |
| Noninterest income to average assets | 0.1559% | 6,327 |
| Noninterest expense to average assets | 3.3445% | 1,973 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4678% | 4,834 |
| Return on assets (ROA) | 0.4678% | 4,998 |
| Pretax return on assets | 0.4678% | 5,365 |
| Return on Equity (ROE) | 4.0953% | 5,044 |
| Retained earnings to average equity (ytd only) | 4.0953% | 3,763 |
| Net charge-offs to loans | 0.0295% | 3,617 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 21.7500% | 1,153 |
| Efficiency ratio | 87.7292% | 1,351 |
| Assets per employee ($millions) | 4.5775% | 2,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9958% | 659 |
| Loan loss allowance to noncurrent loans | 51.7921% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 6.0705% | 526 |
| Noncurrent loans to loans | 5.7844% | 591 |
| Net loans and leases to total assets | 70.9134% | 1,532 |
| Net loans and leases to deposits | 86.5530% | 1,286 |
| Net loans and leases to core deposits | 93.0320% | 1,412 |
| Total domestic deposits to total assets | 81.9306% | 5,217 |
| Equity capital to assets | 11.6862% | 2,266 |
| Core capital (leverage) ratio | 11.5787% | 1,827 |
| Tier 1 risk-based capital ratio | 15.4667% | 3,543 |
| Total risk-based capital ratio | 16.7368% | 3,495 |
| Memoranda: | ||
| Average total assets | $74,391,000 | 5,504 |
| Average earning assets | $70,097,500 | 5,435 |
| Average equity | $8,497,500 | 5,361 |
| Average total loans | $54,214,000 | 4,910 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4271% | 724 |
| Cost of funding earning assets | 1.3273% | 333 |
| Net interest margin | 4.0998% | 2,003 |
| Noninterest income to average assets | -0.4105% | 7,021 |
| Noninterest expense to average assets | 3.1465% | 2,790 |
| Loan and lease loss provision to assets | 0.3650% | 1,804 |
| Net operating income to assets | -0.3028% | 6,443 |
| Return on assets (ROA) | 0.2477% | 5,841 |
| Pretax return on assets | 0.2477% | 5,913 |
| Return on Equity (ROE) | 2.3983% | 5,794 |
| Retained earnings to average equity (ytd only) | 2.3983% | 4,547 |
| Net charge-offs to loans | 1.1712% | 873 |
| Credit loss provision to net charge-offs | 43.2624% | 4,857 |
| Earnings coverage of net charge-offs (x) | 0.0738% | 5,454 |
| Efficiency ratio | 98.0604% | 630 |
| Assets per employee ($millions) | 4.4436% | 3,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9297% | 712 |
| Loan loss allowance to noncurrent loans | 68.0203% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 4.9046% | 801 |
| Noncurrent loans to loans | 4.3070% | 1,023 |
| Net loans and leases to total assets | 70.5290% | 1,737 |
| Net loans and leases to deposits | 85.3475% | 1,603 |
| Net loans and leases to core deposits | 91.6723% | 1,659 |
| Total domestic deposits to total assets | 82.6375% | 4,875 |
| Equity capital to assets | 11.1673% | 2,772 |
| Core capital (leverage) ratio | 10.8678% | 2,372 |
| Tier 1 risk-based capital ratio | 15.0362% | 3,697 |
| Total risk-based capital ratio | 16.3061% | 3,636 |
| Memoranda: | ||
| Average total assets | $83,553,200 | 5,259 |
| Average earning assets | $73,759,000 | 5,319 |
| Average equity | $8,631,200 | 5,328 |
| Average total loans | $60,197,000 | 4,703 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5852% | 570 |
| Cost of funding earning assets | 1.3609% | 342 |
| Net interest margin | 4.2243% | 1,667 |
| Noninterest income to average assets | 0.4161% | 4,509 |
| Noninterest expense to average assets | 3.1557% | 2,699 |
| Loan and lease loss provision to assets | 0.4753% | 1,303 |
| Net operating income to assets | 0.4566% | 5,007 |
| Return on assets (ROA) | 0.8711% | 3,370 |
| Pretax return on assets | 0.8711% | 4,221 |
| Return on Equity (ROE) | 8.5865% | 3,002 |
| Retained earnings to average equity (ytd only) | 8.5865% | 1,382 |
| Net charge-offs to loans | 1.4888% | 579 |
| Credit loss provision to net charge-offs | 44.3959% | 4,522 |
| Earnings coverage of net charge-offs (x) | 0.8704% | 4,898 |
| Efficiency ratio | 77.2017% | 2,494 |
| Assets per employee ($millions) | 4.9664% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8989% | 805 |
| Loan loss allowance to noncurrent loans | 126.2422% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 4.7230% | 962 |
| Noncurrent loans to loans | 2.2963% | 2,515 |
| Net loans and leases to total assets | 68.5422% | 2,210 |
| Net loans and leases to deposits | 82.9804% | 2,001 |
| Net loans and leases to core deposits | 88.3527% | 2,175 |
| Total domestic deposits to total assets | 82.6005% | 4,790 |
| Equity capital to assets | 11.2972% | 2,937 |
| Core capital (leverage) ratio | 11.0350% | 2,345 |
| Tier 1 risk-based capital ratio | 15.4907% | 3,541 |
| Total risk-based capital ratio | 16.7605% | 3,493 |
| Memoranda: | ||
| Average total assets | $85,556,000 | 5,257 |
| Average earning assets | $74,361,750 | 5,357 |
| Average equity | $8,680,000 | 5,357 |
| Average total loans | $61,524,500 | 4,706 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5400% | 661 |
| Cost of funding earning assets | 1.3547% | 420 |
| Net interest margin | 4.1853% | 1,787 |
| Noninterest income to average assets | 0.3585% | 4,968 |
| Noninterest expense to average assets | 3.1785% | 2,658 |
| Loan and lease loss provision to assets | 0.5024% | 1,262 |
| Net operating income to assets | 0.3882% | 5,254 |
| Return on assets (ROA) | 0.9956% | 2,710 |
| Pretax return on assets | 0.9956% | 3,727 |
| Return on Equity (ROE) | 10.1620% | 2,292 |
| Retained earnings to average equity (ytd only) | 10.1620% | 935 |
| Net charge-offs to loans | 2.5262% | 277 |
| Credit loss provision to net charge-offs | 27.5000% | 4,476 |
| Earnings coverage of net charge-offs (x) | 0.4875% | 4,831 |
| Efficiency ratio | 78.1145% | 2,448 |
| Assets per employee ($millions) | 4.4698% | 2,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3449% | 1,511 |
| Loan loss allowance to noncurrent loans | 41.3553% | 5,587 |
| Noncurrent assets plus other real estate owned to assets | 7.2498% | 520 |
| Noncurrent loans to loans | 5.6701% | 806 |
| Net loans and leases to total assets | 73.9153% | 1,256 |
| Net loans and leases to deposits | 88.9018% | 1,268 |
| Net loans and leases to core deposits | 94.5334% | 1,549 |
| Total domestic deposits to total assets | 83.1425% | 4,699 |
| Equity capital to assets | 10.9015% | 3,223 |
| Core capital (leverage) ratio | 10.7367% | 2,555 |
| Tier 1 risk-based capital ratio | 13.9187% | 4,507 |
| Total risk-based capital ratio | 15.1822% | 4,471 |
| Memoranda: | ||
| Average total assets | $87,587,330 | 5,239 |
| Average earning assets | $77,653,000 | 5,282 |
| Average equity | $8,581,000 | 5,390 |
| Average total loans | $63,335,670 | 4,660 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3592% | 987 |
| Cost of funding earning assets | 1.3326% | 551 |
| Net interest margin | 4.0266% | 2,390 |
| Noninterest income to average assets | 0.5617% | 3,485 |
| Noninterest expense to average assets | 3.0981% | 2,922 |
| Loan and lease loss provision to assets | 0.6451% | 846 |
| Net operating income to assets | 0.4915% | 4,868 |
| Return on assets (ROA) | 1.6588% | 870 |
| Pretax return on assets | 1.6588% | 1,409 |
| Return on Equity (ROE) | 17.8176% | 564 |
| Retained earnings to average equity (ytd only) | 17.8176% | 263 |
| Net charge-offs to loans | 4.7464% | 107 |
| Credit loss provision to net charge-offs | 19.1906% | 3,791 |
| Earnings coverage of net charge-offs (x) | 0.3381% | 4,197 |
| Efficiency ratio | 73.1606% | 3,232 |
| Assets per employee ($millions) | 4.9169% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2419% | 1,790 |
| Loan loss allowance to noncurrent loans | 39.2928% | 5,661 |
| Noncurrent assets plus other real estate owned to assets | 6.6935% | 662 |
| Noncurrent loans to loans | 5.7056% | 914 |
| Net loans and leases to total assets | 68.4353% | 2,033 |
| Net loans and leases to deposits | 80.6863% | 2,101 |
| Net loans and leases to core deposits | 85.6230% | 2,336 |
| Total domestic deposits to total assets | 84.8165% | 4,116 |
| Equity capital to assets | 9.7600% | 4,439 |
| Core capital (leverage) ratio | 9.4442% | 4,128 |
| Tier 1 risk-based capital ratio | 13.0665% | 5,159 |
| Total risk-based capital ratio | 14.3273% | 5,116 |
| Memoranda: | ||
| Average total assets | $91,152,500 | 5,170 |
| Average earning assets | $83,146,500 | 5,167 |
| Average equity | $8,486,000 | 5,435 |
| Average total loans | $64,554,500 | 4,637 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2575% | 1,841 |
| Cost of funding earning assets | 1.3928% | 1,072 |
| Net interest margin | 3.8647% | 3,495 |
| Noninterest income to average assets | -0.4197% | 7,242 |
| Noninterest expense to average assets | 3.6234% | 1,695 |
| Loan and lease loss provision to assets | 1.1910% | 740 |
| Net operating income to assets | -1.6314% | 6,943 |
| Return on assets (ROA) | -1.5979% | 6,949 |
| Pretax return on assets | -1.5979% | 6,918 |
| Return on Equity (ROE) | -17.6362% | 6,946 |
| Retained earnings to average equity (ytd only) | -17.6362% | 6,930 |
| Net charge-offs to loans | 3.4411% | 227 |
| Credit loss provision to net charge-offs | 47.6547% | 5,478 |
| Earnings coverage of net charge-offs (x) | -0.1762% | 5,941 |
| Efficiency ratio | 113.8347% | 369 |
| Assets per employee ($millions) | 5.2112% | 1,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9902% | 821 |
| Loan loss allowance to noncurrent loans | 32.5974% | 6,040 |
| Noncurrent assets plus other real estate owned to assets | 9.2643% | 383 |
| Noncurrent loans to loans | 9.1732% | 378 |
| Net loans and leases to total assets | 69.4492% | 2,135 |
| Net loans and leases to deposits | 83.9030% | 1,938 |
| Net loans and leases to core deposits | 90.2559% | 2,087 |
| Total domestic deposits to total assets | 82.7731% | 4,853 |
| Equity capital to assets | 8.8848% | 5,693 |
| Core capital (leverage) ratio | 8.2556% | 5,917 |
| Tier 1 risk-based capital ratio | 11.4602% | 6,189 |
| Total risk-based capital ratio | 12.7302% | 6,162 |
| Memoranda: | ||
| Average total assets | $101,507,200 | 4,855 |
| Average earning assets | $94,626,600 | 4,793 |
| Average equity | $9,197,000 | 5,229 |
| Average total loans | $73,726,400 | 4,357 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2785% | 1,947 |
| Cost of funding earning assets | 1.3986% | 1,239 |
| Net interest margin | 3.8800% | 3,481 |
| Noninterest income to average assets | 0.0503% | 6,954 |
| Noninterest expense to average assets | 3.3760% | 2,260 |
| Loan and lease loss provision to assets | 1.0106% | 845 |
| Net operating income to assets | -0.7567% | 6,779 |
| Return on assets (ROA) | -0.7567% | 6,814 |
| Pretax return on assets | -0.7244% | 6,748 |
| Return on Equity (ROE) | -8.3148% | 6,828 |
| Retained earnings to average equity (ytd only) | -8.3148% | 6,780 |
| Net charge-offs to loans | 3.4266% | 239 |
| Credit loss provision to net charge-offs | 40.4750% | 5,231 |
| Earnings coverage of net charge-offs (x) | 0.1146% | 5,514 |
| Efficiency ratio | 92.1859% | 1,022 |
| Assets per employee ($millions) | 4.9626% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1004% | 798 |
| Loan loss allowance to noncurrent loans | 53.5311% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 6.8836% | 728 |
| Noncurrent loans to loans | 5.7918% | 986 |
| Net loans and leases to total assets | 68.7419% | 2,322 |
| Net loans and leases to deposits | 85.1231% | 1,818 |
| Net loans and leases to core deposits | 92.6054% | 1,924 |
| Total domestic deposits to total assets | 80.7559% | 5,512 |
| Equity capital to assets | 9.3541% | 5,299 |
| Core capital (leverage) ratio | 8.9215% | 5,064 |
| Tier 1 risk-based capital ratio | 12.2949% | 5,673 |
| Total risk-based capital ratio | 13.5656% | 5,641 |
| Memoranda: | ||
| Average total assets | $103,433,750 | 4,831 |
| Average earning assets | $96,287,000 | 4,767 |
| Average equity | $9,412,750 | 5,202 |
| Average total loans | $75,370,000 | 4,339 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3357% | 1,764 |
| Cost of funding earning assets | 1.3970% | 1,436 |
| Net interest margin | 3.9387% | 3,131 |
| Noninterest income to average assets | 0.1068% | 6,795 |
| Noninterest expense to average assets | 3.3636% | 2,360 |
| Loan and lease loss provision to assets | 0.4961% | 1,983 |
| Net operating income to assets | -0.0897% | 6,339 |
| Return on assets (ROA) | -0.0897% | 6,395 |
| Pretax return on assets | -0.0897% | 6,356 |
| Return on Equity (ROE) | -0.9941% | 6,401 |
| Retained earnings to average equity (ytd only) | -0.9941% | 6,051 |
| Net charge-offs to loans | 2.3318% | 542 |
| Credit loss provision to net charge-offs | 28.9532% | 5,008 |
| Earnings coverage of net charge-offs (x) | 0.2372% | 5,130 |
| Efficiency ratio | 89.2206% | 1,303 |
| Assets per employee ($millions) | 5.6722% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6409% | 540 |
| Loan loss allowance to noncurrent loans | 47.9723% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 7.9922% | 582 |
| Noncurrent loans to loans | 7.5896% | 625 |
| Net loans and leases to total assets | 69.9106% | 2,238 |
| Net loans and leases to deposits | 86.2491% | 1,759 |
| Net loans and leases to core deposits | 93.7617% | 1,924 |
| Total domestic deposits to total assets | 81.0566% | 5,509 |
| Equity capital to assets | 9.4173% | 4,945 |
| Core capital (leverage) ratio | 8.9920% | 4,735 |
| Tier 1 risk-based capital ratio | 13.1858% | 4,776 |
| Total risk-based capital ratio | 14.4669% | 4,731 |
| Memoranda: | ||
| Average total assets | $104,828,000 | 4,838 |
| Average earning assets | $97,495,000 | 4,771 |
| Average equity | $9,455,670 | 5,198 |
| Average total loans | $77,023,330 | 4,311 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3583% | 1,703 |
| Cost of funding earning assets | 1.4015% | 1,601 |
| Net interest margin | 3.9568% | 2,885 |
| Noninterest income to average assets | 0.1281% | 6,780 |
| Noninterest expense to average assets | 3.1980% | 2,904 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5989% | 4,034 |
| Return on assets (ROA) | 0.5989% | 4,101 |
| Pretax return on assets | 0.5989% | 4,689 |
| Return on Equity (ROE) | 6.7833% | 3,492 |
| Retained earnings to average equity (ytd only) | 6.7833% | 2,243 |
| Net charge-offs to loans | -0.1733% | 7,231 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2262% | 1,928 |
| Assets per employee ($millions) | 6.2140% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3364% | 337 |
| Loan loss allowance to noncurrent loans | 61.7329% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 8.5962% | 527 |
| Noncurrent loans to loans | 7.0244% | 783 |
| Net loans and leases to total assets | 66.4673% | 2,886 |
| Net loans and leases to deposits | 81.2878% | 2,482 |
| Net loans and leases to core deposits | 89.4451% | 2,418 |
| Total domestic deposits to total assets | 81.7679% | 5,401 |
| Equity capital to assets | 8.5130% | 5,887 |
| Core capital (leverage) ratio | 8.8226% | 4,895 |
| Tier 1 risk-based capital ratio | 12.2995% | 5,439 |
| Total risk-based capital ratio | 13.5881% | 5,404 |
| Memoranda: | ||
| Average total assets | $106,192,500 | 4,831 |
| Average earning assets | $98,464,000 | 4,780 |
| Average equity | $9,376,000 | 5,212 |
| Average total loans | $78,497,500 | 4,310 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3236% | 3,013 |
| Cost of funding earning assets | 1.6996% | 1,599 |
| Net interest margin | 3.6240% | 4,707 |
| Noninterest income to average assets | 0.2162% | 6,264 |
| Noninterest expense to average assets | 3.1056% | 3,434 |
| Loan and lease loss provision to assets | 2.1265% | 601 |
| Net operating income to assets | -1.6066% | 6,943 |
| Return on assets (ROA) | -1.5182% | 6,929 |
| Pretax return on assets | -1.5182% | 6,860 |
| Return on Equity (ROE) | -14.8888% | 6,917 |
| Retained earnings to average equity (ytd only) | -14.8888% | 6,879 |
| Net charge-offs to loans | 0.9553% | 2,271 |
| Credit loss provision to net charge-offs | 314.3466% | 834 |
| Earnings coverage of net charge-offs (x) | 0.7685% | 5,353 |
| Efficiency ratio | 85.6613% | 1,729 |
| Assets per employee ($millions) | 5.5852% | 1,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2079% | 332 |
| Loan loss allowance to noncurrent loans | 126.8924% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 6.0657% | 973 |
| Noncurrent loans to loans | 3.3161% | 2,287 |
| Net loans and leases to total assets | 75.5414% | 1,363 |
| Net loans and leases to deposits | 94.2163% | 1,043 |
| Net loans and leases to core deposits | 102.4954% | 1,416 |
| Total domestic deposits to total assets | 80.1786% | 5,782 |
| Equity capital to assets | 9.1811% | 4,867 |
| Core capital (leverage) ratio | 8.7065% | 5,009 |
| Tier 1 risk-based capital ratio | 12.4861% | 5,035 |
| Total risk-based capital ratio | 13.7771% | 4,988 |
| Memoranda: | ||
| Average total assets | $104,068,800 | 4,869 |
| Average earning assets | $97,903,600 | 4,777 |
| Average equity | $10,612,000 | 4,957 |
| Average total loans | $73,695,800 | 4,538 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2150% | 3,761 |
| Cost of funding earning assets | 1.7258% | 1,740 |
| Net interest margin | 3.4892% | 5,339 |
| Noninterest income to average assets | 0.2693% | 5,962 |
| Noninterest expense to average assets | 2.9104% | 4,047 |
| Loan and lease loss provision to assets | 0.2426% | 4,657 |
| Net operating income to assets | 0.4091% | 4,715 |
| Return on assets (ROA) | 0.4129% | 4,866 |
| Pretax return on assets | 0.4129% | 5,182 |
| Return on Equity (ROE) | 3.9546% | 4,807 |
| Retained earnings to average equity (ytd only) | 3.9546% | 3,697 |
| Net charge-offs to loans | 0.8815% | 2,243 |
| Credit loss provision to net charge-offs | 39.9582% | 6,018 |
| Earnings coverage of net charge-offs (x) | 1.0732% | 4,981 |
| Efficiency ratio | 81.7047% | 2,096 |
| Assets per employee ($millions) | 7.2928% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0177% | 2,175 |
| Loan loss allowance to noncurrent loans | 42.0880% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 4.9930% | 1,289 |
| Noncurrent loans to loans | 4.7940% | 1,466 |
| Net loans and leases to total assets | 64.0919% | 4,103 |
| Net loans and leases to deposits | 78.3746% | 3,760 |
| Net loans and leases to core deposits | 82.1064% | 4,231 |
| Total domestic deposits to total assets | 81.7764% | 5,086 |
| Equity capital to assets | 9.7820% | 4,438 |
| Core capital (leverage) ratio | 10.1398% | 3,112 |
| Tier 1 risk-based capital ratio | 15.1045% | 3,200 |
| Total risk-based capital ratio | 16.3639% | 3,179 |
| Memoranda: | ||
| Average total assets | $104,952,750 | 4,911 |
| Average earning assets | $99,045,000 | 4,812 |
| Average equity | $10,957,500 | 4,937 |
| Average total loans | $72,299,750 | 4,667 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3693% | 3,111 |
| Cost of funding earning assets | 1.8416% | 1,476 |
| Net interest margin | 3.5277% | 5,130 |
| Noninterest income to average assets | 0.3147% | 5,640 |
| Noninterest expense to average assets | 2.9829% | 3,765 |
| Loan and lease loss provision to assets | 0.2573% | 4,364 |
| Net operating income to assets | 0.3998% | 4,758 |
| Return on assets (ROA) | 0.4058% | 4,891 |
| Pretax return on assets | 0.4058% | 5,209 |
| Return on Equity (ROE) | 3.7944% | 4,879 |
| Retained earnings to average equity (ytd only) | 3.7944% | 3,679 |
| Net charge-offs to loans | 0.7836% | 2,286 |
| Credit loss provision to net charge-offs | 46.7626% | 5,490 |
| Earnings coverage of net charge-offs (x) | 1.1942% | 4,606 |
| Efficiency ratio | 81.9467% | 2,175 |
| Assets per employee ($millions) | 6.0244% | 1,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3421% | 1,521 |
| Loan loss allowance to noncurrent loans | 34.1468% | 6,091 |
| Noncurrent assets plus other real estate owned to assets | 6.1647% | 934 |
| Noncurrent loans to loans | 6.8589% | 845 |
| Net loans and leases to total assets | 64.5601% | 4,146 |
| Net loans and leases to deposits | 82.3122% | 3,218 |
| Net loans and leases to core deposits | 86.5537% | 3,754 |
| Total domestic deposits to total assets | 78.4332% | 6,171 |
| Equity capital to assets | 10.2656% | 3,687 |
| Core capital (leverage) ratio | 10.8550% | 2,363 |
| Tier 1 risk-based capital ratio | 15.4322% | 2,937 |
| Total risk-based capital ratio | 16.6960% | 2,888 |
| Memoranda: | ||
| Average total assets | $101,042,330 | 5,048 |
| Average earning assets | $95,245,670 | 4,953 |
| Average equity | $10,805,330 | 4,974 |
| Average total loans | $70,958,000 | 4,760 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5147% | 2,518 |
| Cost of funding earning assets | 1.9938% | 1,109 |
| Net interest margin | 3.5209% | 5,081 |
| Noninterest income to average assets | 0.0904% | 7,255 |
| Noninterest expense to average assets | 3.2298% | 2,761 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1767% | 5,765 |
| Return on assets (ROA) | 0.1890% | 5,848 |
| Pretax return on assets | 0.1890% | 5,904 |
| Return on Equity (ROE) | 1.7290% | 5,871 |
| Retained earnings to average equity (ytd only) | 1.7290% | 5,073 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8130% | 1,091 |
| Assets per employee ($millions) | 5.9209% | 1,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5798% | 1,204 |
| Loan loss allowance to noncurrent loans | 29.0507% | 6,460 |
| Noncurrent assets plus other real estate owned to assets | 7.8810% | 629 |
| Noncurrent loans to loans | 8.8804% | 555 |
| Net loans and leases to total assets | 72.8271% | 2,254 |
| Net loans and leases to deposits | 96.0143% | 1,104 |
| Net loans and leases to core deposits | 103.3232% | 1,793 |
| Total domestic deposits to total assets | 75.8503% | 6,786 |
| Equity capital to assets | 11.3370% | 2,471 |
| Core capital (leverage) ratio | 11.1297% | 2,143 |
| Tier 1 risk-based capital ratio | 15.5215% | 2,857 |
| Total risk-based capital ratio | 16.7358% | 2,827 |
| Memoranda: | ||
| Average total assets | $97,343,500 | 5,225 |
| Average earning assets | $91,682,000 | 5,113 |
| Average equity | $10,642,000 | 5,063 |
| Average total loans | $70,593,000 | 4,829 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8097% | 2,615 |
| Cost of funding earning assets | 2.8533% | 375 |
| Net interest margin | 2.9564% | 6,737 |
| Noninterest income to average assets | 0.3198% | 5,798 |
| Noninterest expense to average assets | 2.9998% | 4,142 |
| Loan and lease loss provision to assets | 1.7386% | 1,309 |
| Net operating income to assets | -1.6614% | 6,942 |
| Return on assets (ROA) | -1.0230% | 6,589 |
| Pretax return on assets | -1.0230% | 6,420 |
| Return on Equity (ROE) | -8.2144% | 6,485 |
| Retained earnings to average equity (ytd only) | -8.2144% | 6,364 |
| Net charge-offs to loans | 0.4221% | 4,107 |
| Credit loss provision to net charge-offs | 584.5865% | 512 |
| Earnings coverage of net charge-offs (x) | 0.2594% | 5,859 |
| Efficiency ratio | 97.4927% | 1,242 |
| Assets per employee ($millions) | 5.8796% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5964% | 1,118 |
| Loan loss allowance to noncurrent loans | 46.2181% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 5.0854% | 1,198 |
| Noncurrent loans to loans | 5.6177% | 1,143 |
| Net loans and leases to total assets | 68.5722% | 3,578 |
| Net loans and leases to deposits | 97.0739% | 1,203 |
| Net loans and leases to core deposits | 125.2925% | 1,566 |
| Total domestic deposits to total assets | 70.6392% | 7,365 |
| Equity capital to assets | 10.5490% | 3,131 |
| Core capital (leverage) ratio | 11.3110% | 2,030 |
| Tier 1 risk-based capital ratio | 15.5617% | 2,690 |
| Total risk-based capital ratio | 16.8304% | 2,632 |
| Memoranda: | ||
| Average total assets | $89,440,600 | 5,407 |
| Average earning assets | $83,411,600 | 5,346 |
| Average equity | $11,139,000 | 4,983 |
| Average total loans | $63,022,200 | 5,133 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0645% | 1,782 |
| Cost of funding earning assets | 3.0331% | 300 |
| Net interest margin | 3.0314% | 6,516 |
| Noninterest income to average assets | 0.3625% | 5,600 |
| Noninterest expense to average assets | 3.0164% | 3,980 |
| Loan and lease loss provision to assets | 1.1365% | 1,717 |
| Net operating income to assets | -0.9707% | 6,808 |
| Return on assets (ROA) | -0.4408% | 6,367 |
| Pretax return on assets | -0.4408% | 6,239 |
| Return on Equity (ROE) | -3.3900% | 6,286 |
| Retained earnings to average equity (ytd only) | -3.3900% | 6,009 |
| Net charge-offs to loans | 0.5796% | 2,940 |
| Credit loss provision to net charge-offs | 278.1955% | 1,511 |
| Earnings coverage of net charge-offs (x) | 0.4060% | 5,625 |
| Efficiency ratio | 94.7876% | 1,349 |
| Assets per employee ($millions) | 4.9935% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 3,942 |
| Loan loss allowance to noncurrent loans | 85.4607% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 1.2469% | 4,570 |
| Noncurrent loans to loans | 1.6383% | 4,189 |
| Net loans and leases to total assets | 75.0422% | 2,236 |
| Net loans and leases to deposits | 93.6101% | 1,947 |
| Net loans and leases to core deposits | 125.6166% | 1,768 |
| Total domestic deposits to total assets | 80.1646% | 5,381 |
| Equity capital to assets | 11.9524% | 2,267 |
| Core capital (leverage) ratio | 11.8325% | 1,878 |
| Tier 1 risk-based capital ratio | 15.0348% | 3,021 |
| Total risk-based capital ratio | 16.2838% | 2,963 |
| Memoranda: | ||
| Average total assets | $86,812,500 | 5,523 |
| Average earning assets | $80,751,750 | 5,472 |
| Average equity | $11,287,750 | 4,989 |
| Average total loans | $61,186,000 | 5,238 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1689% | 1,563 |
| Cost of funding earning assets | 3.0922% | 358 |
| Net interest margin | 3.0767% | 6,310 |
| Noninterest income to average assets | 0.2045% | 6,829 |
| Noninterest expense to average assets | 3.0336% | 3,958 |
| Loan and lease loss provision to assets | 1.5477% | 1,099 |
| Net operating income to assets | -1.5548% | 7,273 |
| Return on assets (ROA) | -0.7346% | 6,785 |
| Pretax return on assets | -0.7346% | 6,631 |
| Return on Equity (ROE) | -5.4834% | 6,659 |
| Retained earnings to average equity (ytd only) | -5.4834% | 6,374 |
| Net charge-offs to loans | 0.9042% | 1,892 |
| Credit loss provision to net charge-offs | 250.3846% | 1,855 |
| Earnings coverage of net charge-offs (x) | -0.0115% | 5,703 |
| Efficiency ratio | 100.2357% | 1,163 |
| Assets per employee ($millions) | 4.7361% | 2,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3991% | 3,728 |
| Loan loss allowance to noncurrent loans | 87.1362% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 1.1244% | 4,703 |
| Noncurrent loans to loans | 1.6056% | 4,087 |
| Net loans and leases to total assets | 69.0470% | 3,931 |
| Net loans and leases to deposits | 85.7371% | 3,591 |
| Net loans and leases to core deposits | 124.7820% | 1,957 |
| Total domestic deposits to total assets | 80.5334% | 5,260 |
| Equity capital to assets | 11.7334% | 2,362 |
| Core capital (leverage) ratio | 11.8254% | 1,907 |
| Tier 1 risk-based capital ratio | 15.9547% | 2,640 |
| Total risk-based capital ratio | 17.2054% | 2,582 |
| Memoranda: | ||
| Average total assets | $84,124,670 | 5,651 |
| Average earning assets | $77,161,330 | 5,624 |
| Average equity | $11,270,330 | 5,007 |
| Average total loans | $57,512,000 | 5,446 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9264% | 2,665 |
| Cost of funding earning assets | 3.0010% | 605 |
| Net interest margin | 2.9253% | 6,683 |
| Noninterest income to average assets | 0.1116% | 7,477 |
| Noninterest expense to average assets | 3.0548% | 3,537 |
| Loan and lease loss provision to assets | 1.3041% | 986 |
| Net operating income to assets | -1.5020% | 7,499 |
| Return on assets (ROA) | -1.4208% | 7,480 |
| Pretax return on assets | -1.4208% | 7,338 |
| Return on Equity (ROE) | -9.8691% | 7,357 |
| Retained earnings to average equity (ytd only) | -9.8691% | 7,099 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9272% | 899 |
| Assets per employee ($millions) | 5.5119% | 1,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2967% | 4,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 68.4465% | 4,030 |
| Net loans and leases to deposits | 89.5155% | 3,007 |
| Net loans and leases to core deposits | 133.6204% | 1,435 |
| Total domestic deposits to total assets | 76.4633% | 6,414 |
| Equity capital to assets | 12.8699% | 1,800 |
| Core capital (leverage) ratio | 14.0203% | 1,187 |
| Tier 1 risk-based capital ratio | 16.1090% | 2,652 |
| Total risk-based capital ratio | 17.2748% | 2,620 |
| Memoranda: | ||
| Average total assets | $78,826,500 | 5,862 |
| Average earning assets | $73,974,500 | 5,770 |
| Average equity | $11,348,500 | 5,015 |
| Average total loans | $53,103,000 | 5,666 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8772% | 6,151 |
| Cost of funding earning assets | 2.7593% | 2,877 |
| Net interest margin | 3.1179% | 6,602 |
| Noninterest income to average assets | 0.1434% | 7,387 |
| Noninterest expense to average assets | 5.3779% | 534 |
| Loan and lease loss provision to assets | 1.2667% | 1,130 |
| Net operating income to assets | -3.5837% | 7,924 |
| Return on assets (ROA) | -3.5423% | 7,904 |
| Pretax return on assets | -3.5423% | 7,814 |
| Return on Equity (ROE) | -12.4496% | 7,458 |
| Retained earnings to average equity (ytd only) | -12.4496% | 7,283 |
| Net charge-offs to loans | 0.0998% | 5,316 |
| Credit loss provision to net charge-offs | 2,368.1818% | 196 |
| Earnings coverage of net charge-offs (x) | -43.3182% | 6,980 |
| Efficiency ratio | 175.6950% | 262 |
| Assets per employee ($millions) | 4.6309% | 2,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1920% | 4,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 64.0816% | 5,257 |
| Net loans and leases to deposits | 91.0547% | 3,284 |
| Net loans and leases to core deposits | 130.9553% | 1,785 |
| Total domestic deposits to total assets | 70.3770% | 7,237 |
| Equity capital to assets | 16.3353% | 877 |
| Core capital (leverage) ratio | 17.4043% | 659 |
| Tier 1 risk-based capital ratio | 21.8243% | 1,340 |
| Total risk-based capital ratio | 22.8758% | 1,330 |
| Memoranda: | ||
| Average total assets | $41,131,000 | 7,162 |
| Average earning assets | $38,487,400 | 7,112 |
| Average equity | $11,703,200 | 4,914 |
| Average total loans | $22,035,200 | 7,190 |