Home > Stratford State Bank > Performance and Condition Ratios
Stratford State Bank, Performance and Condition Ratios
| 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 | 3.4512% | 4,826 |
| Cost of funding earning assets | 0.5196% | 1,939 |
| Net interest margin | 2.9316% | 5,021 |
| Noninterest income to average assets | 0.2966% | 4,431 |
| Noninterest expense to average assets | 2.0867% | 4,877 |
| Loan and lease loss provision to assets | 0.0715% | 2,376 |
| Net operating income to assets | 0.6039% | 4,143 |
| Return on assets (ROA) | 0.6039% | 4,196 |
| Pretax return on assets | 0.8397% | 3,976 |
| Return on Equity (ROE) | 4.6312% | 4,550 |
| Retained earnings to average equity (ytd only) | 3.2611% | 3,803 |
| Net charge-offs to loans | 0.0476% | 1,899 |
| Credit loss provision to net charge-offs | 285.7143% | 814 |
| Earnings coverage of net charge-offs (x) | 36.4286% | 1,094 |
| Efficiency ratio | 69.6067% | 2,954 |
| Assets per employee ($millions) | 6.9508% | 972 |
| Cash dividends to net income (ytd only)* | 29.5858% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4881% | 1,734 |
| Loan loss allowance to noncurrent loans | 90.9563% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 0.8650% | 2,146 |
| Noncurrent loans to loans | 1.6361% | 1,186 |
| Net loans and leases to total assets | 52.0843% | 4,510 |
| Net loans and leases to deposits | 65.0108% | 4,250 |
| Net loans and leases to core deposits | 86.5105% | 2,674 |
| Total domestic deposits to total assets | 80.1164% | 4,597 |
| Equity capital to assets | 13.1784% | 1,196 |
| Core capital (leverage) ratio | 12.3700% | 1,411 |
| Tier 1 risk-based capital ratio | 18.9952% | 1,617 |
| Total risk-based capital ratio | 20.2238% | 1,583 |
| Memoranda: | ||
| Average total assets | $111,948,000 | 4,138 |
| Average earning assets | $103,153,500 | 4,149 |
| Average equity | $14,596,500 | 3,838 |
| Average total loans | $58,835,000 | 4,328 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5291% | 4,704 |
| Cost of funding earning assets | 0.5012% | 2,085 |
| Net interest margin | 3.0280% | 4,901 |
| Noninterest income to average assets | 0.3379% | 4,319 |
| Noninterest expense to average assets | 2.1326% | 4,933 |
| Loan and lease loss provision to assets | 0.0595% | 3,197 |
| Net operating income to assets | 0.6584% | 3,963 |
| Return on assets (ROA) | 0.6584% | 4,079 |
| Pretax return on assets | 0.9340% | 3,715 |
| Return on Equity (ROE) | 4.9814% | 4,442 |
| Retained earnings to average equity (ytd only) | 2.7020% | 3,984 |
| Net charge-offs to loans | 0.2184% | 1,266 |
| Credit loss provision to net charge-offs | 53.7190% | 3,334 |
| Earnings coverage of net charge-offs (x) | 8.9669% | 2,808 |
| Efficiency ratio | 68.2191% | 3,201 |
| Assets per employee ($millions) | 7.0428% | 909 |
| Cash dividends to net income (ytd only)* | 45.7580% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 1,819 |
| Loan loss allowance to noncurrent loans | 77.7978% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 0.9833% | 1,929 |
| Noncurrent loans to loans | 1.8821% | 991 |
| Net loans and leases to total assets | 51.4794% | 4,654 |
| Net loans and leases to deposits | 64.7588% | 4,346 |
| Net loans and leases to core deposits | 86.2728% | 2,829 |
| Total domestic deposits to total assets | 79.4940% | 4,681 |
| Equity capital to assets | 12.9007% | 1,297 |
| Core capital (leverage) ratio | 12.2780% | 1,441 |
| Tier 1 risk-based capital ratio | 18.9850% | 1,603 |
| Total risk-based capital ratio | 20.2104% | 1,575 |
| Memoranda: | ||
| Average total assets | $109,208,800 | 4,182 |
| Average earning assets | $100,562,800 | 4,191 |
| Average equity | $14,433,600 | 3,882 |
| Average total loans | $55,414,000 | 4,420 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5429% | 4,699 |
| Cost of funding earning assets | 0.4977% | 2,120 |
| Net interest margin | 3.0451% | 4,913 |
| Noninterest income to average assets | 0.3163% | 4,507 |
| Noninterest expense to average assets | 2.1746% | 4,832 |
| Loan and lease loss provision to assets | 0.0062% | 4,108 |
| Net operating income to assets | 0.6547% | 4,061 |
| Return on assets (ROA) | 0.6547% | 4,181 |
| Pretax return on assets | 0.9439% | 3,832 |
| Return on Equity (ROE) | 4.9232% | 4,547 |
| Retained earnings to average equity (ytd only) | 4.9232% | 2,882 |
| Net charge-offs to loans | 0.1833% | 1,277 |
| Credit loss provision to net charge-offs | 6.6667% | 3,386 |
| Earnings coverage of net charge-offs (x) | 10.2931% | 2,587 |
| Efficiency ratio | 69.5943% | 2,949 |
| Assets per employee ($millions) | 6.8136% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5066% | 1,743 |
| Loan loss allowance to noncurrent loans | 122.1902% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.6366% | 2,994 |
| Noncurrent loans to loans | 1.2330% | 1,819 |
| Net loans and leases to total assets | 50.8503% | 4,754 |
| Net loans and leases to deposits | 63.8605% | 4,499 |
| Net loans and leases to core deposits | 86.6160% | 2,895 |
| Total domestic deposits to total assets | 79.6272% | 4,588 |
| Equity capital to assets | 13.4647% | 1,261 |
| Core capital (leverage) ratio | 12.4897% | 1,400 |
| Tier 1 risk-based capital ratio | 19.6761% | 1,506 |
| Total risk-based capital ratio | 20.9122% | 1,475 |
| Memoranda: | ||
| Average total assets | $108,340,000 | 4,233 |
| Average earning assets | $99,916,500 | 4,242 |
| Average equity | $14,407,750 | 3,923 |
| Average total loans | $54,549,750 | 4,479 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5519% | 4,736 |
| Cost of funding earning assets | 0.4917% | 2,172 |
| Net interest margin | 3.0603% | 4,946 |
| Noninterest income to average assets | 0.3052% | 4,603 |
| Noninterest expense to average assets | 2.2106% | 4,820 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6123% | 4,216 |
| Return on assets (ROA) | 0.6123% | 4,339 |
| Pretax return on assets | 0.9157% | 3,893 |
| Return on Equity (ROE) | 4.6238% | 4,668 |
| Retained earnings to average equity (ytd only) | 4.6238% | 2,965 |
| Net charge-offs to loans | 0.3002% | 795 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 6.1111% | 2,780 |
| Efficiency ratio | 70.7101% | 2,876 |
| Assets per employee ($millions) | 6.8464% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4952% | 1,879 |
| Loan loss allowance to noncurrent loans | 119.5714% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 0.6390% | 3,084 |
| Noncurrent loans to loans | 1.2505% | 1,836 |
| Net loans and leases to total assets | 50.3373% | 4,821 |
| Net loans and leases to deposits | 65.1331% | 4,404 |
| Net loans and leases to core deposits | 87.2981% | 2,792 |
| Total domestic deposits to total assets | 77.2838% | 5,116 |
| Equity capital to assets | 13.2158% | 1,380 |
| Core capital (leverage) ratio | 12.4840% | 1,362 |
| Tier 1 risk-based capital ratio | 19.2769% | 1,635 |
| Total risk-based capital ratio | 20.4903% | 1,604 |
| Memoranda: | ||
| Average total assets | $108,114,000 | 4,262 |
| Average earning assets | $99,663,670 | 4,279 |
| Average equity | $14,317,330 | 3,953 |
| Average total loans | $53,971,670 | 4,528 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5958% | 4,623 |
| Cost of funding earning assets | 0.4894% | 2,185 |
| Net interest margin | 3.1064% | 4,843 |
| Noninterest income to average assets | 0.2421% | 5,007 |
| Noninterest expense to average assets | 2.1155% | 5,091 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6741% | 3,852 |
| Return on assets (ROA) | 0.6741% | 3,972 |
| Pretax return on assets | 0.9870% | 3,528 |
| Return on Equity (ROE) | 5.0852% | 4,443 |
| Retained earnings to average equity (ytd only) | 5.0852% | 2,884 |
| Net charge-offs to loans | 0.0604% | 1,901 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 33.1250% | 1,123 |
| Efficiency ratio | 68.1873% | 3,435 |
| Assets per employee ($millions) | 6.3034% | 1,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7150% | 1,323 |
| Loan loss allowance to noncurrent loans | 129.6296% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.6551% | 3,092 |
| Noncurrent loans to loans | 1.3230% | 1,807 |
| Net loans and leases to total assets | 48.6674% | 4,914 |
| Net loans and leases to deposits | 61.0667% | 4,644 |
| Net loans and leases to core deposits | 81.5994% | 3,169 |
| Total domestic deposits to total assets | 79.6954% | 4,819 |
| Equity capital to assets | 13.3709% | 1,233 |
| Core capital (leverage) ratio | 12.5417% | 1,323 |
| Tier 1 risk-based capital ratio | 20.0678% | 1,483 |
| Total risk-based capital ratio | 21.3191% | 1,458 |
| Memoranda: | ||
| Average total assets | $107,399,500 | 4,316 |
| Average earning assets | $98,894,000 | 4,324 |
| Average equity | $14,237,500 | 3,980 |
| Average total loans | $52,968,500 | 4,592 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6287% | 4,593 |
| Cost of funding earning assets | 0.4958% | 2,192 |
| Net interest margin | 3.1329% | 4,829 |
| Noninterest income to average assets | 0.2575% | 5,052 |
| Noninterest expense to average assets | 2.0907% | 5,271 |
| Loan and lease loss provision to assets | 0.1478% | 1,593 |
| Net operating income to assets | 0.6228% | 4,171 |
| Return on assets (ROA) | 0.6228% | 4,262 |
| Pretax return on assets | 0.8937% | 3,860 |
| Return on Equity (ROE) | 4.6700% | 4,671 |
| Retained earnings to average equity (ytd only) | 2.6675% | 4,173 |
| Net charge-offs to loans | 0.1452% | 1,909 |
| Credit loss provision to net charge-offs | 198.7179% | 1,411 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 2,329 |
| Efficiency ratio | 66.7479% | 3,788 |
| Assets per employee ($millions) | 6.7276% | 992 |
| Cash dividends to net income (ytd only)* | 42.8790% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7361% | 1,275 |
| Loan loss allowance to noncurrent loans | 123.8866% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.6884% | 2,985 |
| Noncurrent loans to loans | 1.4014% | 1,666 |
| Net loans and leases to total assets | 48.2697% | 4,994 |
| Net loans and leases to deposits | 60.3854% | 4,743 |
| Net loans and leases to core deposits | 80.6125% | 3,282 |
| Total domestic deposits to total assets | 79.9361% | 4,759 |
| Equity capital to assets | 13.1428% | 1,282 |
| Core capital (leverage) ratio | 12.1383% | 1,533 |
| Tier 1 risk-based capital ratio | 19.5639% | 1,574 |
| Total risk-based capital ratio | 20.8168% | 1,541 |
| Memoranda: | ||
| Average total assets | $104,846,400 | 4,363 |
| Average earning assets | $96,205,200 | 4,387 |
| Average equity | $13,983,000 | 3,979 |
| Average total loans | $53,736,200 | 4,561 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6212% | 4,666 |
| Cost of funding earning assets | 0.4952% | 2,259 |
| Net interest margin | 3.1260% | 4,893 |
| Noninterest income to average assets | 0.2970% | 4,815 |
| Noninterest expense to average assets | 2.1507% | 5,168 |
| Loan and lease loss provision to assets | 0.1984% | 1,017 |
| Net operating income to assets | 0.5671% | 4,540 |
| Return on assets (ROA) | 0.5671% | 4,627 |
| Pretax return on assets | 0.8168% | 4,286 |
| Return on Equity (ROE) | 4.2365% | 4,938 |
| Retained earnings to average equity (ytd only) | 4.2365% | 3,451 |
| Net charge-offs to loans | 0.2447% | 1,068 |
| Credit loss provision to net charge-offs | 156.5657% | 1,623 |
| Earnings coverage of net charge-offs (x) | 8.0099% | 2,852 |
| Efficiency ratio | 67.9337% | 3,554 |
| Assets per employee ($millions) | 6.6807% | 985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6629% | 1,571 |
| Loan loss allowance to noncurrent loans | 115.4440% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.7503% | 3,027 |
| Noncurrent loans to loans | 1.4405% | 1,748 |
| Net loans and leases to total assets | 49.6244% | 4,961 |
| Net loans and leases to deposits | 60.8952% | 4,791 |
| Net loans and leases to core deposits | 79.9879% | 3,429 |
| Total domestic deposits to total assets | 81.4914% | 4,327 |
| Equity capital to assets | 13.3005% | 1,307 |
| Core capital (leverage) ratio | 12.4433% | 1,446 |
| Tier 1 risk-based capital ratio | 18.9161% | 1,794 |
| Total risk-based capital ratio | 20.1711% | 1,760 |
| Memoranda: | ||
| Average total assets | $104,147,750 | 4,424 |
| Average earning assets | $95,581,750 | 4,449 |
| Average equity | $13,942,000 | 4,029 |
| Average total loans | $53,951,250 | 4,604 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5820% | 4,771 |
| Cost of funding earning assets | 0.5033% | 2,217 |
| Net interest margin | 3.0787% | 5,021 |
| Noninterest income to average assets | 0.2267% | 5,344 |
| Noninterest expense to average assets | 2.1195% | 5,297 |
| Loan and lease loss provision to assets | 0.2945% | 532 |
| Net operating income to assets | 0.4107% | 5,107 |
| Return on assets (ROA) | 0.4107% | 5,211 |
| Pretax return on assets | 0.6451% | 4,839 |
| Return on Equity (ROE) | 3.0613% | 5,379 |
| Retained earnings to average equity (ytd only) | 3.0613% | 4,094 |
| Net charge-offs to loans | 0.4967% | 499 |
| Credit loss provision to net charge-offs | 113.4328% | 1,886 |
| Earnings coverage of net charge-offs (x) | 3.6194% | 3,166 |
| Efficiency ratio | 69.2844% | 3,445 |
| Assets per employee ($millions) | 6.5177% | 1,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5527% | 2,075 |
| Loan loss allowance to noncurrent loans | 93.7773% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 0.8784% | 2,792 |
| Noncurrent loans to loans | 1.6558% | 1,581 |
| Net loans and leases to total assets | 52.2262% | 4,734 |
| Net loans and leases to deposits | 64.3550% | 4,502 |
| Net loans and leases to core deposits | 85.0413% | 2,874 |
| Total domestic deposits to total assets | 81.1532% | 4,565 |
| Equity capital to assets | 13.4116% | 1,210 |
| Core capital (leverage) ratio | 12.3658% | 1,450 |
| Tier 1 risk-based capital ratio | 18.3922% | 1,951 |
| Total risk-based capital ratio | 19.6460% | 1,916 |
| Memoranda: | ||
| Average total assets | $103,233,330 | 4,485 |
| Average earning assets | $94,974,330 | 4,493 |
| Average equity | $13,850,330 | 4,073 |
| Average total loans | $53,954,670 | 4,646 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5439% | 4,847 |
| Cost of funding earning assets | 0.5189% | 2,121 |
| Net interest margin | 3.0250% | 5,135 |
| Noninterest income to average assets | 0.2491% | 5,172 |
| Noninterest expense to average assets | 2.1912% | 5,176 |
| Loan and lease loss provision to assets | 0.0856% | 2,264 |
| Net operating income to assets | 0.5566% | 4,456 |
| Return on assets (ROA) | 0.5566% | 4,567 |
| Pretax return on assets | 0.7628% | 4,376 |
| Return on Equity (ROE) | 4.1315% | 4,927 |
| Retained earnings to average equity (ytd only) | 4.1315% | 3,527 |
| Net charge-offs to loans | 0.5632% | 437 |
| Credit loss provision to net charge-offs | 29.3333% | 2,284 |
| Earnings coverage of net charge-offs (x) | 2.9067% | 2,684 |
| Efficiency ratio | 72.0871% | 3,157 |
| Assets per employee ($millions) | 6.4471% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4794% | 2,538 |
| Loan loss allowance to noncurrent loans | 94.4844% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 0.8085% | 3,089 |
| Noncurrent loans to loans | 1.5658% | 1,788 |
| Net loans and leases to total assets | 50.8715% | 4,761 |
| Net loans and leases to deposits | 62.7298% | 4,505 |
| Net loans and leases to core deposits | 81.8709% | 2,976 |
| Total domestic deposits to total assets | 81.0962% | 4,801 |
| Equity capital to assets | 13.4905% | 1,174 |
| Core capital (leverage) ratio | 12.5611% | 1,337 |
| Tier 1 risk-based capital ratio | 19.5191% | 1,734 |
| Total risk-based capital ratio | 20.7298% | 1,698 |
| Memoranda: | ||
| Average total assets | $102,773,500 | 4,532 |
| Average earning assets | $94,809,500 | 4,534 |
| Average equity | $13,845,000 | 4,096 |
| Average total loans | $53,271,000 | 4,693 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6163% | 5,040 |
| Cost of funding earning assets | 0.5080% | 2,587 |
| Net interest margin | 3.1083% | 5,182 |
| Noninterest income to average assets | 0.4462% | 3,862 |
| Noninterest expense to average assets | 2.2018% | 5,354 |
| Loan and lease loss provision to assets | 0.0145% | 4,319 |
| Net operating income to assets | 0.8159% | 3,297 |
| Return on assets (ROA) | 0.8159% | 3,384 |
| Pretax return on assets | 1.0782% | 3,174 |
| Return on Equity (ROE) | 6.1991% | 4,055 |
| Retained earnings to average equity (ytd only) | 4.1474% | 3,246 |
| Net charge-offs to loans | -0.1178% | 6,158 |
| Credit loss provision to net charge-offs | -24.5902% | 5,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8331% | 4,087 |
| Assets per employee ($millions) | 6.3996% | 1,119 |
| Cash dividends to net income (ytd only)* | 33.0961% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5785% | 2,159 |
| Loan loss allowance to noncurrent loans | 111.0964% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.7745% | 3,276 |
| Noncurrent loans to loans | 1.4208% | 2,070 |
| Net loans and leases to total assets | 51.2115% | 4,858 |
| Net loans and leases to deposits | 63.2137% | 4,609 |
| Net loans and leases to core deposits | 80.8664% | 3,206 |
| Total domestic deposits to total assets | 81.0134% | 4,748 |
| Equity capital to assets | 13.4521% | 1,180 |
| Core capital (leverage) ratio | 12.7611% | 1,223 |
| Tier 1 risk-based capital ratio | 19.8311% | 1,630 |
| Total risk-based capital ratio | 21.0795% | 1,603 |
| Memoranda: | ||
| Average total assets | $103,324,800 | 4,521 |
| Average earning assets | $94,683,000 | 4,539 |
| Average equity | $13,598,800 | 4,088 |
| Average total loans | $51,769,800 | 4,759 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5973% | 5,146 |
| Cost of funding earning assets | 0.5127% | 2,626 |
| Net interest margin | 3.0846% | 5,300 |
| Noninterest income to average assets | 0.4802% | 3,683 |
| Noninterest expense to average assets | 2.1965% | 5,360 |
| Loan and lease loss provision to assets | 0.0193% | 4,015 |
| Net operating income to assets | 0.8317% | 3,278 |
| Return on assets (ROA) | 0.8317% | 3,363 |
| Pretax return on assets | 1.0918% | 3,222 |
| Return on Equity (ROE) | 6.3542% | 4,053 |
| Retained earnings to average equity (ytd only) | 6.3542% | 2,189 |
| Net charge-offs to loans | -0.1505% | 6,244 |
| Credit loss provision to net charge-offs | -25.8621% | 5,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4072% | 4,154 |
| Assets per employee ($millions) | 6.4331% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6170% | 2,241 |
| Loan loss allowance to noncurrent loans | 120.9235% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.7218% | 3,642 |
| Noncurrent loans to loans | 1.3372% | 2,407 |
| Net loans and leases to total assets | 49.5337% | 5,053 |
| Net loans and leases to deposits | 61.2756% | 4,819 |
| Net loans and leases to core deposits | 78.3782% | 3,498 |
| Total domestic deposits to total assets | 80.8375% | 4,867 |
| Equity capital to assets | 13.4606% | 1,202 |
| Core capital (leverage) ratio | 12.4026% | 1,459 |
| Tier 1 risk-based capital ratio | 19.6228% | 1,753 |
| Total risk-based capital ratio | 20.8729% | 1,724 |
| Memoranda: | ||
| Average total assets | $103,557,750 | 4,559 |
| Average earning assets | $94,921,750 | 4,576 |
| Average equity | $13,555,000 | 4,118 |
| Average total loans | $51,392,750 | 4,816 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6011% | 5,148 |
| Cost of funding earning assets | 0.5168% | 2,666 |
| Net interest margin | 3.0843% | 5,304 |
| Noninterest income to average assets | 0.5647% | 3,015 |
| Noninterest expense to average assets | 2.2319% | 5,339 |
| Loan and lease loss provision to assets | 0.0289% | 3,696 |
| Net operating income to assets | 0.8750% | 2,934 |
| Return on assets (ROA) | 0.8750% | 3,024 |
| Pretax return on assets | 1.1333% | 2,958 |
| Return on Equity (ROE) | 6.7484% | 3,756 |
| Retained earnings to average equity (ytd only) | 6.7484% | 1,902 |
| Net charge-offs to loans | -0.0624% | 5,972 |
| Credit loss provision to net charge-offs | -93.7500% | 5,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7581% | 4,395 |
| Assets per employee ($millions) | 6.4991% | 1,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5584% | 2,634 |
| Loan loss allowance to noncurrent loans | 116.7155% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 0.7039% | 3,867 |
| Noncurrent loans to loans | 1.3352% | 2,577 |
| Net loans and leases to total assets | 48.3560% | 5,145 |
| Net loans and leases to deposits | 60.0158% | 4,865 |
| Net loans and leases to core deposits | 77.8567% | 3,459 |
| Total domestic deposits to total assets | 80.5722% | 5,104 |
| Equity capital to assets | 13.1404% | 1,300 |
| Core capital (leverage) ratio | 12.2390% | 1,533 |
| Tier 1 risk-based capital ratio | 19.3444% | 1,842 |
| Total risk-based capital ratio | 20.5864% | 1,804 |
| Memoranda: | ||
| Average total assets | $103,767,000 | 4,587 |
| Average earning assets | $95,193,000 | 4,605 |
| Average equity | $13,455,000 | 4,144 |
| Average total loans | $51,249,330 | 4,851 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6197% | 5,107 |
| Cost of funding earning assets | 0.5249% | 2,660 |
| Net interest margin | 3.0948% | 5,274 |
| Noninterest income to average assets | 0.8142% | 1,694 |
| Noninterest expense to average assets | 2.2767% | 5,255 |
| Loan and lease loss provision to assets | 0.0386% | 3,300 |
| Net operating income to assets | 1.0882% | 1,859 |
| Return on assets (ROA) | 1.0882% | 1,924 |
| Pretax return on assets | 1.3429% | 1,944 |
| Return on Equity (ROE) | 8.4491% | 2,713 |
| Retained earnings to average equity (ytd only) | 8.4491% | 1,436 |
| Net charge-offs to loans | -0.0545% | 5,836 |
| Credit loss provision to net charge-offs | -142.8571% | 4,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2363% | 5,090 |
| Assets per employee ($millions) | 5.7715% | 1,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4977% | 3,153 |
| Loan loss allowance to noncurrent loans | 109.9859% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.7325% | 3,926 |
| Noncurrent loans to loans | 1.3617% | 2,760 |
| Net loans and leases to total assets | 49.5076% | 4,955 |
| Net loans and leases to deposits | 61.2388% | 4,634 |
| Net loans and leases to core deposits | 79.6876% | 3,010 |
| Total domestic deposits to total assets | 80.8436% | 5,279 |
| Equity capital to assets | 12.9862% | 1,310 |
| Core capital (leverage) ratio | 12.1156% | 1,590 |
| Tier 1 risk-based capital ratio | 18.8028% | 2,030 |
| Total risk-based capital ratio | 20.0055% | 2,000 |
| Memoranda: | ||
| Average total assets | $103,658,000 | 4,639 |
| Average earning assets | $95,255,500 | 4,650 |
| Average equity | $13,350,500 | 4,176 |
| Average total loans | $51,334,500 | 4,888 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8317% | 4,685 |
| Cost of funding earning assets | 0.6686% | 2,050 |
| Net interest margin | 3.1631% | 5,116 |
| Noninterest income to average assets | 0.5267% | 3,579 |
| Noninterest expense to average assets | 2.1698% | 5,696 |
| Loan and lease loss provision to assets | 0.1088% | 2,982 |
| Net operating income to assets | 0.9008% | 2,774 |
| Return on assets (ROA) | 0.9008% | 2,861 |
| Pretax return on assets | 1.1349% | 2,829 |
| Return on Equity (ROE) | 7.1515% | 3,490 |
| Retained earnings to average equity (ytd only) | 5.3617% | 2,377 |
| Net charge-offs to loans | 0.4262% | 1,567 |
| Credit loss provision to net charge-offs | 50.9091% | 3,788 |
| Earnings coverage of net charge-offs (x) | 5.8182% | 3,207 |
| Efficiency ratio | 63.5639% | 4,978 |
| Assets per employee ($millions) | 6.0841% | 1,217 |
| Cash dividends to net income (ytd only)* | 25.0270% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5162% | 3,115 |
| Loan loss allowance to noncurrent loans | 132.8125% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.6449% | 4,299 |
| Noncurrent loans to loans | 1.1416% | 3,259 |
| Net loans and leases to total assets | 48.0426% | 5,289 |
| Net loans and leases to deposits | 59.7099% | 4,961 |
| Net loans and leases to core deposits | 78.0332% | 3,360 |
| Total domestic deposits to total assets | 80.4600% | 5,329 |
| Equity capital to assets | 12.7720% | 1,381 |
| Core capital (leverage) ratio | 11.8755% | 1,695 |
| Tier 1 risk-based capital ratio | 18.8080% | 1,978 |
| Total risk-based capital ratio | 20.0126% | 1,951 |
| Memoranda: | ||
| Average total assets | $102,913,400 | 4,674 |
| Average earning assets | $93,926,000 | 4,682 |
| Average equity | $12,962,400 | 4,274 |
| Average total loans | $51,623,400 | 4,906 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8749% | 4,597 |
| Cost of funding earning assets | 0.6959% | 1,982 |
| Net interest margin | 3.1791% | 5,059 |
| Noninterest income to average assets | 0.5630% | 3,373 |
| Noninterest expense to average assets | 2.1754% | 5,665 |
| Loan and lease loss provision to assets | 0.0636% | 3,779 |
| Net operating income to assets | 0.9884% | 2,423 |
| Return on assets (ROA) | 0.9884% | 2,523 |
| Pretax return on assets | 1.2219% | 2,612 |
| Return on Equity (ROE) | 7.8754% | 3,185 |
| Retained earnings to average equity (ytd only) | 7.8754% | 1,466 |
| Net charge-offs to loans | 0.3108% | 1,985 |
| Credit loss provision to net charge-offs | 40.4959% | 3,698 |
| Earnings coverage of net charge-offs (x) | 8.1900% | 2,667 |
| Efficiency ratio | 62.8561% | 5,008 |
| Assets per employee ($millions) | 6.4119% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5248% | 3,355 |
| Loan loss allowance to noncurrent loans | 70.5106% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 1.2545% | 3,128 |
| Noncurrent loans to loans | 2.1625% | 2,047 |
| Net loans and leases to total assets | 50.4240% | 5,090 |
| Net loans and leases to deposits | 62.7936% | 4,652 |
| Net loans and leases to core deposits | 81.8060% | 2,890 |
| Total domestic deposits to total assets | 80.3012% | 5,430 |
| Equity capital to assets | 12.9418% | 1,358 |
| Core capital (leverage) ratio | 11.6948% | 1,889 |
| Tier 1 risk-based capital ratio | 18.0199% | 2,320 |
| Total risk-based capital ratio | 19.2490% | 2,287 |
| Memoranda: | ||
| Average total assets | $102,784,500 | 4,720 |
| Average earning assets | $93,694,000 | 4,734 |
| Average equity | $12,900,500 | 4,332 |
| Average total loans | $51,915,500 | 4,935 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8891% | 4,523 |
| Cost of funding earning assets | 0.7067% | 2,024 |
| Net interest margin | 3.1824% | 5,002 |
| Noninterest income to average assets | 0.4161% | 4,407 |
| Noninterest expense to average assets | 2.0807% | 5,906 |
| Loan and lease loss provision to assets | 0.0175% | 4,551 |
| Net operating income to assets | 0.9781% | 2,419 |
| Return on assets (ROA) | 0.9781% | 2,570 |
| Pretax return on assets | 1.2076% | 2,642 |
| Return on Equity (ROE) | 7.8748% | 3,156 |
| Retained earnings to average equity (ytd only) | 7.8748% | 1,540 |
| Net charge-offs to loans | -0.0232% | 6,015 |
| Credit loss provision to net charge-offs | -150.0000% | 5,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9412% | 5,026 |
| Assets per employee ($millions) | 6.4124% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6623% | 2,927 |
| Loan loss allowance to noncurrent loans | 104.3478% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 1.0049% | 3,744 |
| Noncurrent loans to loans | 1.5930% | 2,921 |
| Net loans and leases to total assets | 51.2013% | 4,970 |
| Net loans and leases to deposits | 63.4628% | 4,565 |
| Net loans and leases to core deposits | 81.9660% | 2,804 |
| Total domestic deposits to total assets | 80.6791% | 5,426 |
| Equity capital to assets | 12.6882% | 1,474 |
| Core capital (leverage) ratio | 11.4287% | 1,997 |
| Tier 1 risk-based capital ratio | 17.4293% | 2,541 |
| Total risk-based capital ratio | 18.6799% | 2,512 |
| Memoranda: | ||
| Average total assets | $102,849,330 | 4,754 |
| Average earning assets | $93,389,330 | 4,772 |
| Average equity | $12,775,000 | 4,379 |
| Average total loans | $51,710,330 | 4,961 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9226% | 4,398 |
| Cost of funding earning assets | 0.6902% | 2,309 |
| Net interest margin | 3.2324% | 4,794 |
| Noninterest income to average assets | 0.3962% | 4,486 |
| Noninterest expense to average assets | 1.9966% | 6,110 |
| Loan and lease loss provision to assets | 0.0272% | 4,127 |
| Net operating income to assets | 1.0760% | 1,947 |
| Return on assets (ROA) | 1.0760% | 2,055 |
| Pretax return on assets | 1.3013% | 2,228 |
| Return on Equity (ROE) | 8.7565% | 2,602 |
| Retained earnings to average equity (ytd only) | 8.7565% | 1,468 |
| Net charge-offs to loans | -0.0315% | 5,917 |
| Credit loss provision to net charge-offs | -175.0000% | 5,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0467% | 5,582 |
| Assets per employee ($millions) | 6.3596% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7366% | 2,851 |
| Loan loss allowance to noncurrent loans | 105.7416% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.9985% | 3,928 |
| Noncurrent loans to loans | 1.6423% | 3,076 |
| Net loans and leases to total assets | 49.1573% | 5,092 |
| Net loans and leases to deposits | 60.7786% | 4,708 |
| Net loans and leases to core deposits | 77.9294% | 3,074 |
| Total domestic deposits to total assets | 80.8792% | 5,531 |
| Equity capital to assets | 12.5716% | 1,668 |
| Core capital (leverage) ratio | 11.3424% | 1,981 |
| Tier 1 risk-based capital ratio | 17.6319% | 2,507 |
| Total risk-based capital ratio | 18.8833% | 2,472 |
| Memoranda: | ||
| Average total assets | $102,974,500 | 4,792 |
| Average earning assets | $93,305,000 | 4,816 |
| Average equity | $12,653,500 | 4,441 |
| Average total loans | $50,855,500 | 5,021 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2079% | 4,565 |
| Cost of funding earning assets | 0.8457% | 2,320 |
| Net interest margin | 3.3622% | 5,028 |
| Noninterest income to average assets | 0.3653% | 4,866 |
| Noninterest expense to average assets | 2.3208% | 5,633 |
| Loan and lease loss provision to assets | 0.1069% | 4,301 |
| Net operating income to assets | 0.9112% | 2,761 |
| Return on assets (ROA) | 0.9112% | 3,001 |
| Pretax return on assets | 0.9695% | 3,655 |
| Return on Equity (ROE) | 7.6660% | 3,252 |
| Retained earnings to average equity (ytd only) | 6.1459% | 1,993 |
| Net charge-offs to loans | 0.0796% | 4,878 |
| Credit loss provision to net charge-offs | 275.0000% | 875 |
| Earnings coverage of net charge-offs (x) | 27.7000% | 1,061 |
| Efficiency ratio | 68.3157% | 4,085 |
| Assets per employee ($millions) | 6.9464% | 784 |
| Cash dividends to net income (ytd only)* | 19.8294% | 3,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7182% | 2,868 |
| Loan loss allowance to noncurrent loans | 56.5049% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 1.6872% | 2,867 |
| Noncurrent loans to loans | 3.0409% | 1,714 |
| Net loans and leases to total assets | 47.9241% | 5,423 |
| Net loans and leases to deposits | 58.9176% | 5,136 |
| Net loans and leases to core deposits | 75.0925% | 3,646 |
| Total domestic deposits to total assets | 81.3409% | 5,295 |
| Equity capital to assets | 12.0110% | 2,041 |
| Core capital (leverage) ratio | 10.9448% | 2,305 |
| Tier 1 risk-based capital ratio | 16.9491% | 2,679 |
| Total risk-based capital ratio | 18.1997% | 2,643 |
| Memoranda: | ||
| Average total assets | $102,936,800 | 4,760 |
| Average earning assets | $92,825,000 | 4,779 |
| Average equity | $12,235,800 | 4,518 |
| Average total loans | $50,262,800 | 5,094 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2169% | 4,757 |
| Cost of funding earning assets | 0.8765% | 2,343 |
| Net interest margin | 3.3404% | 5,247 |
| Noninterest income to average assets | 0.3144% | 5,266 |
| Noninterest expense to average assets | 2.1048% | 6,150 |
| Loan and lease loss provision to assets | 0.1169% | 4,092 |
| Net operating income to assets | 1.1082% | 2,060 |
| Return on assets (ROA) | 1.1082% | 2,247 |
| Pretax return on assets | 1.1082% | 3,322 |
| Return on Equity (ROE) | 9.3482% | 2,654 |
| Retained earnings to average equity (ytd only) | 9.3482% | 1,109 |
| Net charge-offs to loans | 0.0239% | 5,332 |
| Credit loss provision to net charge-offs | 1,000.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 104.7750% | 402 |
| Efficiency ratio | 63.2072% | 4,945 |
| Assets per employee ($millions) | 6.7649% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7556% | 2,949 |
| Loan loss allowance to noncurrent loans | 137.0543% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 1.5127% | 3,319 |
| Noncurrent loans to loans | 1.2809% | 3,902 |
| Net loans and leases to total assets | 48.7519% | 5,458 |
| Net loans and leases to deposits | 60.3101% | 5,168 |
| Net loans and leases to core deposits | 78.4043% | 3,405 |
| Total domestic deposits to total assets | 80.8353% | 5,412 |
| Equity capital to assets | 12.4329% | 1,941 |
| Core capital (leverage) ratio | 11.1370% | 2,265 |
| Tier 1 risk-based capital ratio | 16.9610% | 2,749 |
| Total risk-based capital ratio | 18.2124% | 2,713 |
| Memoranda: | ||
| Average total assets | $102,622,000 | 4,813 |
| Average earning assets | $92,640,750 | 4,833 |
| Average equity | $12,166,000 | 4,571 |
| Average total loans | $50,126,500 | 5,162 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2719% | 4,678 |
| Cost of funding earning assets | 0.9057% | 2,353 |
| Net interest margin | 3.3662% | 5,213 |
| Noninterest income to average assets | 0.3107% | 5,330 |
| Noninterest expense to average assets | 2.1844% | 6,053 |
| Loan and lease loss provision to assets | 0.1553% | 3,575 |
| Net operating income to assets | 1.0019% | 2,459 |
| Return on assets (ROA) | 1.0019% | 2,672 |
| Pretax return on assets | 1.0019% | 3,706 |
| Return on Equity (ROE) | 8.5885% | 2,983 |
| Retained earnings to average equity (ytd only) | 8.5885% | 1,419 |
| Net charge-offs to loans | 0.0639% | 4,538 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 37.2500% | 925 |
| Efficiency ratio | 65.3690% | 4,651 |
| Assets per employee ($millions) | 6.7822% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7093% | 3,189 |
| Loan loss allowance to noncurrent loans | 166.4107% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 1.4263% | 3,580 |
| Noncurrent loans to loans | 1.0271% | 4,459 |
| Net loans and leases to total assets | 49.0077% | 5,484 |
| Net loans and leases to deposits | 60.3866% | 5,207 |
| Net loans and leases to core deposits | 78.9164% | 3,372 |
| Total domestic deposits to total assets | 81.1566% | 5,412 |
| Equity capital to assets | 12.0688% | 2,098 |
| Core capital (leverage) ratio | 10.3336% | 3,007 |
| Tier 1 risk-based capital ratio | 15.9291% | 3,195 |
| Total risk-based capital ratio | 17.1807% | 3,165 |
| Memoranda: | ||
| Average total assets | $103,005,000 | 4,826 |
| Average earning assets | $92,746,330 | 4,854 |
| Average equity | $12,016,000 | 4,600 |
| Average total loans | $50,050,670 | 5,199 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1768% | 5,192 |
| Cost of funding earning assets | 0.9444% | 2,344 |
| Net interest margin | 3.2324% | 5,691 |
| Noninterest income to average assets | 0.3126% | 5,383 |
| Noninterest expense to average assets | 2.2192% | 5,995 |
| Loan and lease loss provision to assets | 0.0579% | 4,688 |
| Net operating income to assets | 0.9417% | 2,735 |
| Return on assets (ROA) | 0.9417% | 2,944 |
| Pretax return on assets | 0.9417% | 3,897 |
| Return on Equity (ROE) | 8.2120% | 3,186 |
| Retained earnings to average equity (ytd only) | 8.2120% | 1,900 |
| Net charge-offs to loans | -0.0322% | 6,371 |
| Credit loss provision to net charge-offs | -375.0000% | 5,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9448% | 3,985 |
| Assets per employee ($millions) | 6.8719% | 804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6436% | 3,563 |
| Loan loss allowance to noncurrent loans | 444.3243% | 760 |
| Noncurrent assets plus other real estate owned to assets | 1.2389% | 4,066 |
| Noncurrent loans to loans | 0.3699% | 5,928 |
| Net loans and leases to total assets | 47.7211% | 5,595 |
| Net loans and leases to deposits | 58.3982% | 5,336 |
| Net loans and leases to core deposits | 76.3974% | 3,569 |
| Total domestic deposits to total assets | 81.7168% | 5,390 |
| Equity capital to assets | 11.6485% | 2,304 |
| Core capital (leverage) ratio | 10.0012% | 3,366 |
| Tier 1 risk-based capital ratio | 15.4333% | 3,482 |
| Total risk-based capital ratio | 16.6982% | 3,445 |
| Memoranda: | ||
| Average total assets | $103,641,000 | 4,845 |
| Average earning assets | $93,182,000 | 4,873 |
| Average equity | $11,885,000 | 4,636 |
| Average total loans | $49,714,000 | 5,240 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4097% | 5,383 |
| Cost of funding earning assets | 1.0822% | 2,793 |
| Net interest margin | 3.3275% | 5,733 |
| Noninterest income to average assets | 0.3763% | 4,817 |
| Noninterest expense to average assets | 2.5938% | 5,124 |
| Loan and lease loss provision to assets | 0.2303% | 3,897 |
| Net operating income to assets | 0.6540% | 3,729 |
| Return on assets (ROA) | 0.6540% | 3,921 |
| Pretax return on assets | 0.5418% | 4,866 |
| Return on Equity (ROE) | 5.9315% | 3,901 |
| Retained earnings to average equity (ytd only) | 5.9315% | 2,056 |
| Net charge-offs to loans | 0.4981% | 3,000 |
| Credit loss provision to net charge-offs | 91.8919% | 3,928 |
| Earnings coverage of net charge-offs (x) | 3.0811% | 3,667 |
| Efficiency ratio | 77.0624% | 2,733 |
| Assets per employee ($millions) | 6.5128% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6250% | 3,492 |
| Loan loss allowance to noncurrent loans | 431.7204% | 791 |
| Noncurrent assets plus other real estate owned to assets | 1.3982% | 3,895 |
| Noncurrent loans to loans | 0.3764% | 5,963 |
| Net loans and leases to total assets | 46.6518% | 5,950 |
| Net loans and leases to deposits | 57.6475% | 5,735 |
| Net loans and leases to core deposits | 76.1458% | 3,963 |
| Total domestic deposits to total assets | 80.9259% | 5,472 |
| Equity capital to assets | 11.2884% | 2,704 |
| Core capital (leverage) ratio | 9.6505% | 3,802 |
| Tier 1 risk-based capital ratio | 15.0592% | 3,601 |
| Total risk-based capital ratio | 16.2994% | 3,567 |
| Memoranda: | ||
| Average total assets | $103,361,800 | 4,807 |
| Average earning assets | $92,863,600 | 4,836 |
| Average equity | $11,396,800 | 4,683 |
| Average total loans | $51,993,400 | 5,192 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5146% | 5,223 |
| Cost of funding earning assets | 1.1186% | 2,845 |
| Net interest margin | 3.3960% | 5,592 |
| Noninterest income to average assets | 0.3244% | 5,273 |
| Noninterest expense to average assets | 2.5063% | 5,441 |
| Loan and lease loss provision to assets | 0.2197% | 3,816 |
| Net operating income to assets | 0.6476% | 3,884 |
| Return on assets (ROA) | 0.6476% | 4,061 |
| Pretax return on assets | 0.6476% | 4,652 |
| Return on Equity (ROE) | 5.9086% | 4,059 |
| Retained earnings to average equity (ytd only) | 5.9086% | 2,611 |
| Net charge-offs to loans | 0.4863% | 2,799 |
| Credit loss provision to net charge-offs | 88.5417% | 3,819 |
| Earnings coverage of net charge-offs (x) | 3.4948% | 3,418 |
| Efficiency ratio | 74.2912% | 3,124 |
| Assets per employee ($millions) | 6.4411% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5596% | 3,846 |
| Loan loss allowance to noncurrent loans | 165.7025% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 2.3589% | 2,721 |
| Noncurrent loans to loans | 0.9412% | 4,999 |
| Net loans and leases to total assets | 49.1204% | 5,823 |
| Net loans and leases to deposits | 60.9302% | 5,527 |
| Net loans and leases to core deposits | 80.5608% | 3,557 |
| Total domestic deposits to total assets | 80.6175% | 5,559 |
| Equity capital to assets | 11.2443% | 2,918 |
| Core capital (leverage) ratio | 9.4064% | 4,296 |
| Tier 1 risk-based capital ratio | 14.1371% | 4,245 |
| Total risk-based capital ratio | 15.3376% | 4,262 |
| Memoranda: | ||
| Average total assets | $103,151,250 | 4,840 |
| Average earning assets | $92,615,750 | 4,878 |
| Average equity | $11,305,250 | 4,730 |
| Average total loans | $52,637,750 | 5,207 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4766% | 5,430 |
| Cost of funding earning assets | 1.1353% | 3,003 |
| Net interest margin | 3.3413% | 5,737 |
| Noninterest income to average assets | 0.3043% | 5,460 |
| Noninterest expense to average assets | 2.6342% | 5,065 |
| Loan and lease loss provision to assets | 0.1803% | 4,113 |
| Net operating income to assets | 0.4923% | 4,532 |
| Return on assets (ROA) | 0.4923% | 4,672 |
| Pretax return on assets | 0.5020% | 5,067 |
| Return on Equity (ROE) | 4.5313% | 4,688 |
| Retained earnings to average equity (ytd only) | 4.5313% | 3,306 |
| Net charge-offs to loans | 0.2489% | 3,634 |
| Credit loss provision to net charge-offs | 140.9091% | 2,162 |
| Earnings coverage of net charge-offs (x) | 5.3333% | 2,638 |
| Efficiency ratio | 79.4272% | 2,479 |
| Assets per employee ($millions) | 6.4483% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5708% | 3,820 |
| Loan loss allowance to noncurrent loans | 92.2993% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 2.3320% | 2,823 |
| Noncurrent loans to loans | 1.7019% | 3,882 |
| Net loans and leases to total assets | 51.6841% | 5,608 |
| Net loans and leases to deposits | 64.1037% | 5,256 |
| Net loans and leases to core deposits | 84.8406% | 3,094 |
| Total domestic deposits to total assets | 80.6257% | 5,641 |
| Equity capital to assets | 10.9912% | 2,964 |
| Core capital (leverage) ratio | 9.2511% | 4,324 |
| Tier 1 risk-based capital ratio | 13.4078% | 4,602 |
| Total risk-based capital ratio | 14.6485% | 4,598 |
| Memoranda: | ||
| Average total assets | $103,182,670 | 4,880 |
| Average earning assets | $93,017,000 | 4,906 |
| Average equity | $11,211,000 | 4,761 |
| Average total loans | $53,042,330 | 5,248 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5367% | 5,219 |
| Cost of funding earning assets | 1.1861% | 2,907 |
| Net interest margin | 3.3506% | 5,608 |
| Noninterest income to average assets | 0.2752% | 5,702 |
| Noninterest expense to average assets | 2.3763% | 5,961 |
| Loan and lease loss provision to assets | 0.1667% | 3,961 |
| Net operating income to assets | 0.4613% | 4,658 |
| Return on assets (ROA) | 0.4613% | 4,742 |
| Pretax return on assets | 0.7326% | 4,177 |
| Return on Equity (ROE) | 4.2704% | 4,762 |
| Retained earnings to average equity (ytd only) | 4.2704% | 3,607 |
| Net charge-offs to loans | 0.2211% | 3,202 |
| Credit loss provision to net charge-offs | 148.2759% | 1,927 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 1,868 |
| Efficiency ratio | 72.5444% | 3,764 |
| Assets per employee ($millions) | 6.4297% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6153% | 3,669 |
| Loan loss allowance to noncurrent loans | 98.2415% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 2.4797% | 2,752 |
| Noncurrent loans to loans | 1.6442% | 4,017 |
| Net loans and leases to total assets | 49.6156% | 5,895 |
| Net loans and leases to deposits | 61.3522% | 5,584 |
| Net loans and leases to core deposits | 79.0099% | 3,885 |
| Total domestic deposits to total assets | 80.8700% | 5,697 |
| Equity capital to assets | 10.8928% | 2,784 |
| Core capital (leverage) ratio | 9.2565% | 4,196 |
| Tier 1 risk-based capital ratio | 13.8668% | 4,161 |
| Total risk-based capital ratio | 15.1276% | 4,129 |
| Memoranda: | ||
| Average total assets | $103,187,500 | 4,913 |
| Average earning assets | $92,402,500 | 4,958 |
| Average equity | $11,146,500 | 4,760 |
| Average total loans | $52,476,000 | 5,312 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8814% | 5,106 |
| Cost of funding earning assets | 1.6149% | 1,981 |
| Net interest margin | 3.2665% | 6,084 |
| Noninterest income to average assets | 0.4058% | 4,865 |
| Noninterest expense to average assets | 2.8359% | 4,452 |
| Loan and lease loss provision to assets | 0.3480% | 4,042 |
| Net operating income to assets | 0.2381% | 5,145 |
| Return on assets (ROA) | 0.2381% | 5,299 |
| Pretax return on assets | 0.1311% | 5,639 |
| Return on Equity (ROE) | 2.2477% | 5,280 |
| Retained earnings to average equity (ytd only) | 0.7917% | 5,156 |
| Net charge-offs to loans | 0.5719% | 3,339 |
| Credit loss provision to net charge-offs | 119.9336% | 3,523 |
| Earnings coverage of net charge-offs (x) | 1.6512% | 4,498 |
| Efficiency ratio | 85.5481% | 1,742 |
| Assets per employee ($millions) | 6.0882% | 1,160 |
| Cash dividends to net income (ytd only)* | 64.7773% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5526% | 3,760 |
| Loan loss allowance to noncurrent loans | 72.6631% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 2.6638% | 2,615 |
| Noncurrent loans to loans | 2.1367% | 3,385 |
| Net loans and leases to total assets | 50.4812% | 6,121 |
| Net loans and leases to deposits | 62.2934% | 5,824 |
| Net loans and leases to core deposits | 78.2296% | 4,432 |
| Total domestic deposits to total assets | 81.0377% | 5,511 |
| Equity capital to assets | 10.7121% | 2,939 |
| Core capital (leverage) ratio | 9.0809% | 4,391 |
| Tier 1 risk-based capital ratio | 13.5880% | 4,143 |
| Total risk-based capital ratio | 14.8187% | 4,123 |
| Memoranda: | ||
| Average total assets | $103,741,800 | 4,879 |
| Average earning assets | $92,392,200 | 4,932 |
| Average equity | $10,989,000 | 4,867 |
| Average total loans | $52,634,200 | 5,372 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9292% | 5,137 |
| Cost of funding earning assets | 1.6965% | 1,896 |
| Net interest margin | 3.2327% | 6,240 |
| Noninterest income to average assets | 0.4046% | 4,926 |
| Noninterest expense to average assets | 3.0622% | 3,527 |
| Loan and lease loss provision to assets | 0.2376% | 4,699 |
| Net operating income to assets | 0.1362% | 5,670 |
| Return on assets (ROA) | 0.1362% | 5,836 |
| Pretax return on assets | -0.0193% | 6,114 |
| Return on Equity (ROE) | 1.2890% | 5,823 |
| Retained earnings to average equity (ytd only) | 1.2890% | 5,294 |
| Net charge-offs to loans | 0.3452% | 3,929 |
| Credit loss provision to net charge-offs | 136.0294% | 2,950 |
| Earnings coverage of net charge-offs (x) | 1.2500% | 4,816 |
| Efficiency ratio | 93.3438% | 1,034 |
| Assets per employee ($millions) | 6.0096% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5146% | 3,897 |
| Loan loss allowance to noncurrent loans | 73.2432% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 2.7476% | 2,635 |
| Noncurrent loans to loans | 2.0680% | 3,603 |
| Net loans and leases to total assets | 51.7438% | 6,130 |
| Net loans and leases to deposits | 64.0019% | 5,914 |
| Net loans and leases to core deposits | 80.9293% | 4,393 |
| Total domestic deposits to total assets | 80.8473% | 5,431 |
| Equity capital to assets | 10.8709% | 3,088 |
| Core capital (leverage) ratio | 9.2305% | 4,316 |
| Tier 1 risk-based capital ratio | 13.6439% | 4,086 |
| Total risk-based capital ratio | 14.8474% | 4,071 |
| Memoranda: | ||
| Average total assets | $103,802,250 | 4,937 |
| Average earning assets | $92,346,000 | 5,001 |
| Average equity | $10,964,500 | 4,934 |
| Average total loans | $52,524,750 | 5,462 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9101% | 5,345 |
| Cost of funding earning assets | 1.7777% | 1,733 |
| Net interest margin | 3.1325% | 6,512 |
| Noninterest income to average assets | 0.4255% | 4,711 |
| Noninterest expense to average assets | 3.5343% | 1,945 |
| Loan and lease loss provision to assets | 0.2281% | 4,622 |
| Net operating income to assets | -0.7302% | 6,827 |
| Return on assets (ROA) | -0.7302% | 6,839 |
| Pretax return on assets | -0.5539% | 6,630 |
| Return on Equity (ROE) | -6.9797% | 6,834 |
| Retained earnings to average equity (ytd only) | -6.9797% | 6,737 |
| Net charge-offs to loans | 0.1611% | 4,655 |
| Credit loss provision to net charge-offs | 283.3333% | 1,310 |
| Earnings coverage of net charge-offs (x) | -4.0476% | 6,281 |
| Efficiency ratio | 110.1553% | 545 |
| Assets per employee ($millions) | 6.0266% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6044% | 3,424 |
| Loan loss allowance to noncurrent loans | 62.1123% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 2.9633% | 2,407 |
| Noncurrent loans to loans | 2.5830% | 3,052 |
| Net loans and leases to total assets | 50.3436% | 6,394 |
| Net loans and leases to deposits | 62.1497% | 6,220 |
| Net loans and leases to core deposits | 77.2878% | 5,048 |
| Total domestic deposits to total assets | 81.0038% | 5,397 |
| Equity capital to assets | 10.3649% | 3,566 |
| Core capital (leverage) ratio | 8.7456% | 5,015 |
| Tier 1 risk-based capital ratio | 13.2747% | 4,227 |
| Total risk-based capital ratio | 14.5333% | 4,184 |
| Memoranda: | ||
| Average total assets | $104,348,670 | 4,959 |
| Average earning assets | $92,706,330 | 5,023 |
| Average equity | $10,917,330 | 4,940 |
| Average total loans | $52,141,000 | 5,505 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9198% | 5,364 |
| Cost of funding earning assets | 1.8879% | 1,499 |
| Net interest margin | 3.0319% | 6,759 |
| Noninterest income to average assets | 0.4027% | 4,898 |
| Noninterest expense to average assets | 2.1273% | 6,872 |
| Loan and lease loss provision to assets | 0.1140% | 5,474 |
| Net operating income to assets | 0.5052% | 4,367 |
| Return on assets (ROA) | 0.5052% | 4,508 |
| Pretax return on assets | 0.8395% | 3,710 |
| Return on Equity (ROE) | 4.8073% | 4,471 |
| Retained earnings to average equity (ytd only) | 4.8073% | 3,266 |
| Net charge-offs to loans | 0.0077% | 5,487 |
| Credit loss provision to net charge-offs | 3,000.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 251.0000% | 135 |
| Efficiency ratio | 69.0506% | 4,501 |
| Assets per employee ($millions) | 6.1223% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5271% | 3,764 |
| Loan loss allowance to noncurrent loans | 64.2626% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 3.3119% | 2,167 |
| Noncurrent loans to loans | 2.3764% | 3,303 |
| Net loans and leases to total assets | 49.1309% | 6,562 |
| Net loans and leases to deposits | 60.4490% | 6,421 |
| Net loans and leases to core deposits | 75.5831% | 5,311 |
| Total domestic deposits to total assets | 81.2767% | 5,357 |
| Equity capital to assets | 10.6967% | 3,045 |
| Core capital (leverage) ratio | 9.2260% | 4,178 |
| Tier 1 risk-based capital ratio | 13.7284% | 3,845 |
| Total risk-based capital ratio | 14.8990% | 3,854 |
| Memoranda: | ||
| Average total assets | $105,297,000 | 4,996 |
| Average earning assets | $93,011,000 | 5,079 |
| Average equity | $11,066,500 | 4,961 |
| Average total loans | $52,002,000 | 5,585 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9585% | 6,559 |
| Cost of funding earning assets | 2.4277% | 1,220 |
| Net interest margin | 2.5308% | 7,393 |
| Noninterest income to average assets | 0.2975% | 5,973 |
| Noninterest expense to average assets | 3.2925% | 3,032 |
| Loan and lease loss provision to assets | 2.9115% | 614 |
| Net operating income to assets | -2.1088% | 7,133 |
| Return on assets (ROA) | -2.1088% | 7,128 |
| Pretax return on assets | -3.6067% | 7,445 |
| Return on Equity (ROE) | -18.9167% | 7,106 |
| Retained earnings to average equity (ytd only) | -19.0414% | 7,068 |
| Net charge-offs to loans | 6.0515% | 168 |
| Credit loss provision to net charge-offs | 92.4639% | 5,921 |
| Earnings coverage of net charge-offs (x) | -0.2208% | 6,475 |
| Efficiency ratio | 126.7666% | 504 |
| Assets per employee ($millions) | 6.2656% | 1,100 |
| Cash dividends to net income (ytd only)* | -0.6593% | 7,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4671% | 3,903 |
| Loan loss allowance to noncurrent loans | 42.8732% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 4.0023% | 1,647 |
| Noncurrent loans to loans | 3.4219% | 2,229 |
| Net loans and leases to total assets | 48.1735% | 6,797 |
| Net loans and leases to deposits | 59.5080% | 6,669 |
| Net loans and leases to core deposits | 88.6401% | 5,260 |
| Total domestic deposits to total assets | 80.9529% | 5,356 |
| Equity capital to assets | 10.3272% | 3,369 |
| Core capital (leverage) ratio | 8.8508% | 4,683 |
| Tier 1 risk-based capital ratio | 13.3495% | 3,915 |
| Total risk-based capital ratio | 14.4634% | 3,953 |
| Memoranda: | ||
| Average total assets | $107,882,600 | 4,882 |
| Average earning assets | $98,033,600 | 4,895 |
| Average equity | $12,026,400 | 4,744 |
| Average total loans | $56,134,600 | 5,411 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9605% | 6,732 |
| Cost of funding earning assets | 2.5058% | 1,278 |
| Net interest margin | 2.4547% | 7,509 |
| Noninterest income to average assets | 0.2809% | 6,227 |
| Noninterest expense to average assets | 2.0488% | 7,287 |
| Loan and lease loss provision to assets | 3.3017% | 415 |
| Net operating income to assets | -2.6783% | 7,505 |
| Return on assets (ROA) | -2.6783% | 7,515 |
| Pretax return on assets | -2.8225% | 7,455 |
| Return on Equity (ROE) | -23.5984% | 7,476 |
| Retained earnings to average equity (ytd only) | -23.5984% | 7,450 |
| Net charge-offs to loans | 6.0495% | 145 |
| Credit loss provision to net charge-offs | 103.3552% | 4,926 |
| Earnings coverage of net charge-offs (x) | 0.1500% | 5,883 |
| Efficiency ratio | 81.0429% | 2,705 |
| Assets per employee ($millions) | 6.5316% | 969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1139% | 1,573 |
| Loan loss allowance to noncurrent loans | 36.0939% | 5,998 |
| Noncurrent assets plus other real estate owned to assets | 7.1747% | 654 |
| Noncurrent loans to loans | 5.8567% | 1,030 |
| Net loans and leases to total assets | 49.0498% | 6,861 |
| Net loans and leases to deposits | 60.9107% | 6,756 |
| Net loans and leases to core deposits | 89.9661% | 5,437 |
| Total domestic deposits to total assets | 80.5274% | 5,233 |
| Equity capital to assets | 10.6367% | 3,364 |
| Core capital (leverage) ratio | 10.4611% | 2,823 |
| Tier 1 risk-based capital ratio | 16.3125% | 2,512 |
| Total risk-based capital ratio | 17.5657% | 2,446 |
| Memoranda: | ||
| Average total assets | $108,224,500 | 4,908 |
| Average earning assets | $99,073,250 | 4,886 |
| Average equity | $12,283,000 | 4,721 |
| Average total loans | $57,149,250 | 5,421 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9331% | 6,959 |
| Cost of funding earning assets | 2.5326% | 1,500 |
| Net interest margin | 2.4005% | 7,574 |
| Noninterest income to average assets | 0.2448% | 6,534 |
| Noninterest expense to average assets | 2.0829% | 7,308 |
| Loan and lease loss provision to assets | 3.9374% | 322 |
| Net operating income to assets | -3.5025% | 7,765 |
| Return on assets (ROA) | -3.5025% | 7,764 |
| Pretax return on assets | -3.5500% | 7,685 |
| Return on Equity (ROE) | -30.2557% | 7,712 |
| Retained earnings to average equity (ytd only) | -30.2557% | 7,688 |
| Net charge-offs to loans | 7.1736% | 127 |
| Credit loss provision to net charge-offs | 102.2781% | 4,474 |
| Earnings coverage of net charge-offs (x) | 0.1006% | 5,576 |
| Efficiency ratio | 84.3195% | 2,443 |
| Assets per employee ($millions) | 6.3489% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8791% | 1,847 |
| Loan loss allowance to noncurrent loans | 16.5684% | 7,308 |
| Noncurrent assets plus other real estate owned to assets | 6.5115% | 701 |
| Noncurrent loans to loans | 11.3416% | 256 |
| Net loans and leases to total assets | 51.6686% | 6,721 |
| Net loans and leases to deposits | 65.2788% | 6,454 |
| Net loans and leases to core deposits | 95.6290% | 4,942 |
| Total domestic deposits to total assets | 79.1508% | 5,765 |
| Equity capital to assets | 10.5372% | 3,356 |
| Core capital (leverage) ratio | 10.4643% | 2,844 |
| Tier 1 risk-based capital ratio | 16.4091% | 2,478 |
| Total risk-based capital ratio | 17.6629% | 2,426 |
| Memoranda: | ||
| Average total assets | $109,464,000 | 4,899 |
| Average earning assets | $101,478,330 | 4,858 |
| Average equity | $12,672,000 | 4,637 |
| Average total loans | $58,743,330 | 5,391 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0935% | 6,662 |
| Cost of funding earning assets | 2.6094% | 1,535 |
| Net interest margin | 2.4842% | 7,520 |
| Noninterest income to average assets | 0.3955% | 5,249 |
| Noninterest expense to average assets | 1.9378% | 7,473 |
| Loan and lease loss provision to assets | 0.5443% | 2,295 |
| Net operating income to assets | 0.2286% | 5,566 |
| Return on assets (ROA) | 0.2286% | 5,727 |
| Pretax return on assets | 0.2177% | 5,893 |
| Return on Equity (ROE) | 1.8917% | 5,813 |
| Retained earnings to average equity (ytd only) | 1.8917% | 4,801 |
| Net charge-offs to loans | 0.8376% | 1,555 |
| Credit loss provision to net charge-offs | 120.0000% | 3,275 |
| Earnings coverage of net charge-offs (x) | 1.6800% | 3,889 |
| Efficiency ratio | 71.7742% | 4,226 |
| Assets per employee ($millions) | 6.4468% | 987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7742% | 1,916 |
| Loan loss allowance to noncurrent loans | 14.6461% | 7,409 |
| Noncurrent assets plus other real estate owned to assets | 6.6855% | 534 |
| Noncurrent loans to loans | 12.1138% | 172 |
| Net loans and leases to total assets | 52.7893% | 6,610 |
| Net loans and leases to deposits | 67.8715% | 6,199 |
| Net loans and leases to core deposits | 99.7053% | 4,564 |
| Total domestic deposits to total assets | 77.7784% | 6,085 |
| Equity capital to assets | 12.1838% | 2,149 |
| Core capital (leverage) ratio | 12.2913% | 1,764 |
| Tier 1 risk-based capital ratio | 18.7017% | 1,883 |
| Total risk-based capital ratio | 19.9538% | 1,836 |
| Memoranda: | ||
| Average total assets | $110,230,000 | 4,899 |
| Average earning assets | $102,247,000 | 4,853 |
| Average equity | $13,321,500 | 4,495 |
| Average total loans | $59,697,500 | 5,375 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7836% | 6,492 |
| Cost of funding earning assets | 3.1971% | 1,202 |
| Net interest margin | 2.5865% | 7,657 |
| Noninterest income to average assets | 0.3326% | 6,073 |
| Noninterest expense to average assets | 1.8627% | 7,673 |
| Loan and lease loss provision to assets | 0.2572% | 4,343 |
| Net operating income to assets | 0.5388% | 4,584 |
| Return on assets (ROA) | 0.5544% | 4,358 |
| Pretax return on assets | 0.6280% | 4,604 |
| Return on Equity (ROE) | 4.6841% | 4,521 |
| Retained earnings to average equity (ytd only) | 2.4357% | 3,677 |
| Net charge-offs to loans | 0.5202% | 2,284 |
| Credit loss provision to net charge-offs | 92.3567% | 5,621 |
| Earnings coverage of net charge-offs (x) | 3.1146% | 4,534 |
| Efficiency ratio | 68.2261% | 4,682 |
| Assets per employee ($millions) | 6.5214% | 879 |
| Cash dividends to net income (ytd only)* | 48.0000% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6861% | 1,952 |
| Loan loss allowance to noncurrent loans | 13.9899% | 7,424 |
| Noncurrent assets plus other real estate owned to assets | 6.7497% | 399 |
| Noncurrent loans to loans | 12.0522% | 129 |
| Net loans and leases to total assets | 53.6468% | 6,691 |
| Net loans and leases to deposits | 69.1096% | 6,361 |
| Net loans and leases to core deposits | 98.7465% | 4,956 |
| Total domestic deposits to total assets | 77.6257% | 5,829 |
| Equity capital to assets | 11.9877% | 2,300 |
| Core capital (leverage) ratio | 12.2521% | 1,861 |
| Tier 1 risk-based capital ratio | 18.3331% | 1,952 |
| Total risk-based capital ratio | 19.5856% | 1,901 |
| Memoranda: | ||
| Average total assets | $112,741,400 | 4,699 |
| Average earning assets | $104,502,400 | 4,663 |
| Average equity | $13,343,000 | 4,487 |
| Average total loans | $60,363,000 | 5,247 |