Home > The Baileyville State Bank > Performance and Condition Ratios
The Baileyville State Bank, Performance and Condition Ratios
| 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 | 3.8324% | 3,831 |
| Cost of funding earning assets | 0.6673% | 961 |
| Net interest margin | 3.1651% | 4,688 |
| Noninterest income to average assets | 0.1094% | 5,792 |
| Noninterest expense to average assets | 2.4076% | 4,341 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6293% | 4,063 |
| Return on assets (ROA) | 0.6293% | 4,179 |
| Pretax return on assets | 0.7296% | 4,420 |
| Return on Equity (ROE) | 7.0310% | 3,436 |
| Retained earnings to average equity (ytd only) | 4.9930% | 2,946 |
| Net charge-offs to loans | -0.0333% | 5,109 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7442% | 2,075 |
| Assets per employee ($millions) | 6.4099% | 1,157 |
| Cash dividends to net income (ytd only)* | 28.9855% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 3,516 |
| Loan loss allowance to noncurrent loans | 265.7143% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 4,294 |
| Noncurrent loans to loans | 0.4493% | 3,831 |
| Net loans and leases to total assets | 51.4631% | 4,683 |
| Net loans and leases to deposits | 58.2871% | 4,834 |
| Net loans and leases to core deposits | 59.4715% | 4,971 |
| Total domestic deposits to total assets | 88.2926% | 1,478 |
| Equity capital to assets | 8.8770% | 5,281 |
| Core capital (leverage) ratio | 8.5586% | 5,336 |
| Tier 1 risk-based capital ratio | 14.9579% | 3,182 |
| Total risk-based capital ratio | 16.0666% | 3,177 |
| Memoranda: | ||
| Average total assets | $43,861,500 | 5,638 |
| Average earning assets | $41,958,000 | 5,594 |
| Average equity | $3,925,500 | 5,826 |
| Average total loans | $24,050,000 | 5,549 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9733% | 3,417 |
| Cost of funding earning assets | 0.7451% | 656 |
| Net interest margin | 3.2281% | 4,536 |
| Noninterest income to average assets | 0.1564% | 5,636 |
| Noninterest expense to average assets | 2.4305% | 4,437 |
| Loan and lease loss provision to assets | 0.0770% | 2,738 |
| Net operating income to assets | 0.6274% | 4,150 |
| Return on assets (ROA) | 0.4596% | 4,925 |
| Pretax return on assets | 0.5535% | 4,981 |
| Return on Equity (ROE) | 5.0636% | 4,472 |
| Retained earnings to average equity (ytd only) | 2.9427% | 3,967 |
| Net charge-offs to loans | 0.0247% | 3,749 |
| Credit loss provision to net charge-offs | 533.3333% | 616 |
| Earnings coverage of net charge-offs (x) | 57.6667% | 892 |
| Efficiency ratio | 74.4838% | 2,503 |
| Assets per employee ($millions) | 5.3568% | 1,949 |
| Cash dividends to net income (ytd only)* | 41.8848% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1201% | 3,925 |
| Loan loss allowance to noncurrent loans | 279.7980% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.3197% | 4,312 |
| Noncurrent loans to loans | 0.4003% | 4,021 |
| Net loans and leases to total assets | 57.0612% | 4,191 |
| Net loans and leases to deposits | 65.0553% | 4,396 |
| Net loans and leases to core deposits | 66.4448% | 4,558 |
| Total domestic deposits to total assets | 87.7118% | 1,788 |
| Equity capital to assets | 9.0260% | 5,097 |
| Core capital (leverage) ratio | 9.1381% | 4,703 |
| Tier 1 risk-based capital ratio | 14.9318% | 3,208 |
| Total risk-based capital ratio | 16.0240% | 3,223 |
| Memoranda: | ||
| Average total assets | $41,555,600 | 5,730 |
| Average earning assets | $39,992,000 | 5,676 |
| Average equity | $3,772,000 | 5,890 |
| Average total loans | $24,282,000 | 5,579 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9254% | 3,657 |
| Cost of funding earning assets | 0.7496% | 651 |
| Net interest margin | 3.1758% | 4,759 |
| Noninterest income to average assets | 0.1876% | 5,536 |
| Noninterest expense to average assets | 2.4285% | 4,419 |
| Loan and lease loss provision to assets | 0.0323% | 3,590 |
| Net operating income to assets | 0.6414% | 4,173 |
| Return on assets (ROA) | 0.6047% | 4,464 |
| Pretax return on assets | 0.7502% | 4,493 |
| Return on Equity (ROE) | 6.6523% | 3,806 |
| Retained earnings to average equity (ytd only) | 3.8063% | 3,760 |
| Net charge-offs to loans | 0.0276% | 3,391 |
| Credit loss provision to net charge-offs | 200.0000% | 1,330 |
| Earnings coverage of net charge-offs (x) | 51.1724% | 1,024 |
| Efficiency ratio | 74.5780% | 2,460 |
| Assets per employee ($millions) | 5.1524% | 2,110 |
| Cash dividends to net income (ytd only)* | 42.7786% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0555% | 4,441 |
| Loan loss allowance to noncurrent loans | 243.8095% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.3615% | 4,329 |
| Noncurrent loans to loans | 0.4329% | 4,054 |
| Net loans and leases to total assets | 58.2231% | 4,115 |
| Net loans and leases to deposits | 66.7845% | 4,298 |
| Net loans and leases to core deposits | 68.2701% | 4,520 |
| Total domestic deposits to total assets | 87.1807% | 1,944 |
| Equity capital to assets | 9.3719% | 4,914 |
| Core capital (leverage) ratio | 9.0492% | 4,936 |
| Tier 1 risk-based capital ratio | 14.5707% | 3,517 |
| Total risk-based capital ratio | 15.5568% | 3,595 |
| Memoranda: | ||
| Average total assets | $41,231,000 | 5,814 |
| Average earning assets | $39,842,500 | 5,755 |
| Average equity | $3,748,000 | 5,978 |
| Average total loans | $24,170,000 | 5,652 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8583% | 3,834 |
| Cost of funding earning assets | 0.7344% | 700 |
| Net interest margin | 3.1238% | 4,904 |
| Noninterest income to average assets | 0.1261% | 5,919 |
| Noninterest expense to average assets | 2.4785% | 4,303 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5682% | 4,483 |
| Return on assets (ROA) | 0.5723% | 4,563 |
| Pretax return on assets | 0.6645% | 4,777 |
| Return on Equity (ROE) | 6.3618% | 3,956 |
| Retained earnings to average equity (ytd only) | 3.1270% | 4,061 |
| Net charge-offs to loans | 0.0580% | 2,567 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 19.4286% | 1,750 |
| Efficiency ratio | 78.9799% | 1,920 |
| Assets per employee ($millions) | 5.2561% | 1,980 |
| Cash dividends to net income (ytd only)* | 50.8475% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 4,980 |
| Loan loss allowance to noncurrent loans | 86.5248% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 0.7753% | 3,066 |
| Noncurrent loans to loans | 1.1289% | 2,392 |
| Net loans and leases to total assets | 58.8290% | 4,001 |
| Net loans and leases to deposits | 70.8046% | 3,842 |
| Net loans and leases to core deposits | 71.8890% | 4,149 |
| Total domestic deposits to total assets | 83.0864% | 3,914 |
| Equity capital to assets | 8.7660% | 5,465 |
| Core capital (leverage) ratio | 9.2264% | 4,652 |
| Tier 1 risk-based capital ratio | 16.1258% | 2,795 |
| Total risk-based capital ratio | 17.1731% | 2,853 |
| Memoranda: | ||
| Average total assets | $41,235,000 | 5,876 |
| Average earning assets | $39,758,670 | 5,819 |
| Average equity | $3,709,670 | 6,043 |
| Average total loans | $24,141,670 | 5,706 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7576% | 4,171 |
| Cost of funding earning assets | 0.7536% | 642 |
| Net interest margin | 3.0040% | 5,204 |
| Noninterest income to average assets | 0.1470% | 5,859 |
| Noninterest expense to average assets | 2.5571% | 4,073 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4321% | 4,938 |
| Return on assets (ROA) | 0.4409% | 5,030 |
| Pretax return on assets | 0.4899% | 5,206 |
| Return on Equity (ROE) | 4.8368% | 4,616 |
| Retained earnings to average equity (ytd only) | -1.6123% | 5,637 |
| Net charge-offs to loans | 0.1518% | 1,346 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 5.4444% | 2,388 |
| Efficiency ratio | 84.1935% | 1,358 |
| Assets per employee ($millions) | 5.0313% | 2,315 |
| Cash dividends to net income (ytd only)* | 133.3333% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0230% | 4,910 |
| Loan loss allowance to noncurrent loans | 263.0435% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.3379% | 4,642 |
| Noncurrent loans to loans | 0.3889% | 4,425 |
| Net loans and leases to total assets | 58.1714% | 3,921 |
| Net loans and leases to deposits | 66.7655% | 4,072 |
| Net loans and leases to core deposits | 67.7783% | 4,351 |
| Total domestic deposits to total assets | 87.1280% | 2,307 |
| Equity capital to assets | 9.3217% | 4,937 |
| Core capital (leverage) ratio | 8.9406% | 5,027 |
| Tier 1 risk-based capital ratio | 15.6189% | 3,095 |
| Total risk-based capital ratio | 16.6510% | 3,134 |
| Memoranda: | ||
| Average total assets | $40,828,000 | 5,945 |
| Average earning assets | $39,280,500 | 5,887 |
| Average equity | $3,721,500 | 6,103 |
| Average total loans | $23,722,000 | 5,765 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0421% | 3,550 |
| Cost of funding earning assets | 0.8563% | 488 |
| Net interest margin | 3.1859% | 4,972 |
| Noninterest income to average assets | 0.3071% | 4,917 |
| Noninterest expense to average assets | 2.7078% | 3,832 |
| Loan and lease loss provision to assets | 0.0491% | 3,587 |
| Net operating income to assets | 0.4725% | 4,913 |
| Return on assets (ROA) | 0.5676% | 4,607 |
| Pretax return on assets | 0.7150% | 4,567 |
| Return on Equity (ROE) | 6.6528% | 3,810 |
| Retained earnings to average equity (ytd only) | 6.3648% | 1,727 |
| Net charge-offs to loans | -0.0219% | 5,717 |
| Credit loss provision to net charge-offs | -400.0000% | 5,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7918% | 1,806 |
| Assets per employee ($millions) | 5.1758% | 2,095 |
| Cash dividends to net income (ytd only)* | 4.3290% | 4,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0552% | 4,789 |
| Loan loss allowance to noncurrent loans | 627.5000% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 5,221 |
| Noncurrent loans to loans | 0.1682% | 5,227 |
| Net loans and leases to total assets | 56.8444% | 4,221 |
| Net loans and leases to deposits | 68.4354% | 4,084 |
| Net loans and leases to core deposits | 69.4901% | 4,370 |
| Total domestic deposits to total assets | 83.0628% | 4,054 |
| Equity capital to assets | 8.9142% | 5,370 |
| Core capital (leverage) ratio | 9.0808% | 4,853 |
| Tier 1 risk-based capital ratio | 15.0823% | 3,445 |
| Total risk-based capital ratio | 16.1121% | 3,498 |
| Memoranda: | ||
| Average total assets | $40,697,000 | 6,019 |
| Average earning assets | $38,890,400 | 5,953 |
| Average equity | $3,472,200 | 6,186 |
| Average total loans | $22,788,800 | 5,864 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0008% | 3,755 |
| Cost of funding earning assets | 0.8760% | 478 |
| Net interest margin | 3.1247% | 5,184 |
| Noninterest income to average assets | 0.3653% | 4,503 |
| Noninterest expense to average assets | 2.6061% | 4,181 |
| Loan and lease loss provision to assets | 0.0658% | 3,036 |
| Net operating income to assets | 0.4951% | 4,889 |
| Return on assets (ROA) | 0.6120% | 4,477 |
| Pretax return on assets | 0.8325% | 4,250 |
| Return on Equity (ROE) | 7.2565% | 3,578 |
| Retained earnings to average equity (ytd only) | 6.8664% | 1,894 |
| Net charge-offs to loans | -0.0236% | 5,661 |
| Credit loss provision to net charge-offs | -500.0000% | 5,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8761% | 2,196 |
| Assets per employee ($millions) | 5.0788% | 2,150 |
| Cash dividends to net income (ytd only)* | 5.3752% | 3,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 5,016 |
| Loan loss allowance to noncurrent loans | 240.3846% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 5,217 |
| Noncurrent loans to loans | 0.4344% | 4,599 |
| Net loans and leases to total assets | 58.3042% | 4,027 |
| Net loans and leases to deposits | 66.7935% | 4,254 |
| Net loans and leases to core deposits | 67.7855% | 4,526 |
| Total domestic deposits to total assets | 87.2902% | 2,161 |
| Equity capital to assets | 8.8186% | 5,529 |
| Core capital (leverage) ratio | 8.9841% | 5,094 |
| Tier 1 risk-based capital ratio | 14.3489% | 3,988 |
| Total risk-based capital ratio | 15.3369% | 4,091 |
| Memoranda: | ||
| Average total assets | $40,519,750 | 6,097 |
| Average earning assets | $38,658,500 | 6,033 |
| Average equity | $3,417,500 | 6,263 |
| Average total loans | $22,539,000 | 5,931 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9806% | 3,813 |
| Cost of funding earning assets | 0.8938% | 445 |
| Net interest margin | 3.0868% | 5,296 |
| Noninterest income to average assets | 0.1581% | 6,002 |
| Noninterest expense to average assets | 2.6036% | 4,230 |
| Loan and lease loss provision to assets | 0.0988% | 2,379 |
| Net operating income to assets | 0.3498% | 5,405 |
| Return on assets (ROA) | 0.4743% | 4,984 |
| Pretax return on assets | 0.5286% | 5,197 |
| Return on Equity (ROE) | 5.7103% | 4,321 |
| Retained earnings to average equity (ytd only) | 5.1155% | 2,888 |
| Net charge-offs to loans | -0.0816% | 6,083 |
| Credit loss provision to net charge-offs | -222.2222% | 5,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1853% | 1,487 |
| Assets per employee ($millions) | 5.0850% | 2,105 |
| Cash dividends to net income (ytd only)* | 10.4167% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 4,749 |
| Loan loss allowance to noncurrent loans | 326.9231% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 1.1234% | 2,837 |
| Noncurrent loans to loans | 0.3464% | 4,968 |
| Net loans and leases to total assets | 54.7247% | 4,447 |
| Net loans and leases to deposits | 64.4379% | 4,450 |
| Net loans and leases to core deposits | 65.4149% | 4,692 |
| Total domestic deposits to total assets | 84.9263% | 3,546 |
| Equity capital to assets | 8.6799% | 5,633 |
| Core capital (leverage) ratio | 8.7633% | 5,319 |
| Tier 1 risk-based capital ratio | 14.3030% | 4,059 |
| Total risk-based capital ratio | 15.3330% | 4,134 |
| Memoranda: | ||
| Average total assets | $40,483,000 | 6,157 |
| Average earning assets | $38,486,330 | 6,092 |
| Average equity | $3,362,330 | 6,325 |
| Average total loans | $22,072,330 | 5,986 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8937% | 4,107 |
| Cost of funding earning assets | 0.8929% | 473 |
| Net interest margin | 3.0007% | 5,519 |
| Noninterest income to average assets | 0.1684% | 5,969 |
| Noninterest expense to average assets | 2.5951% | 4,288 |
| Loan and lease loss provision to assets | 0.1981% | 1,180 |
| Net operating income to assets | 0.2191% | 5,745 |
| Return on assets (ROA) | 0.3467% | 5,385 |
| Pretax return on assets | 0.3764% | 5,521 |
| Return on Equity (ROE) | 4.2709% | 4,896 |
| Retained earnings to average equity (ytd only) | 3.0506% | 4,284 |
| Net charge-offs to loans | -0.1281% | 6,218 |
| Credit loss provision to net charge-offs | -285.7143% | 5,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6209% | 1,488 |
| Assets per employee ($millions) | 5.0731% | 2,157 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1582% | 4,831 |
| Loan loss allowance to noncurrent loans | 168.6667% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 1.3034% | 2,686 |
| Noncurrent loans to loans | 0.6867% | 4,152 |
| Net loans and leases to total assets | 53.1995% | 4,525 |
| Net loans and leases to deposits | 60.4587% | 4,717 |
| Net loans and leases to core deposits | 61.9879% | 4,883 |
| Total domestic deposits to total assets | 87.9931% | 2,241 |
| Equity capital to assets | 8.2838% | 5,838 |
| Core capital (leverage) ratio | 8.6954% | 5,389 |
| Tier 1 risk-based capital ratio | 13.9328% | 4,367 |
| Total risk-based capital ratio | 14.9458% | 4,499 |
| Memoranda: | ||
| Average total assets | $40,384,500 | 6,223 |
| Average earning assets | $38,524,000 | 6,147 |
| Average equity | $3,278,000 | 6,394 |
| Average total loans | $21,850,000 | 6,056 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0633% | 3,873 |
| Cost of funding earning assets | 0.9716% | 526 |
| Net interest margin | 3.0918% | 5,334 |
| Noninterest income to average assets | 0.1672% | 6,083 |
| Noninterest expense to average assets | 2.6884% | 4,131 |
| Loan and lease loss provision to assets | 0.1286% | 2,705 |
| Net operating income to assets | 0.3013% | 5,519 |
| Return on assets (ROA) | 0.3705% | 5,369 |
| Pretax return on assets | 0.3859% | 5,523 |
| Return on Equity (ROE) | 4.2046% | 5,007 |
| Retained earnings to average equity (ytd only) | 4.2046% | 3,182 |
| Net charge-offs to loans | 0.8193% | 760 |
| Credit loss provision to net charge-offs | 29.5858% | 4,259 |
| Earnings coverage of net charge-offs (x) | 1.0178% | 4,738 |
| Efficiency ratio | 85.8669% | 1,425 |
| Assets per employee ($millions) | 5.0230% | 2,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0340% | 5,400 |
| Loan loss allowance to noncurrent loans | 383.0508% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 1.0900% | 3,229 |
| Noncurrent loans to loans | 0.2699% | 5,370 |
| Net loans and leases to total assets | 53.8274% | 4,602 |
| Net loans and leases to deposits | 66.6790% | 4,225 |
| Net loans and leases to core deposits | 68.5361% | 4,445 |
| Total domestic deposits to total assets | 80.7262% | 5,261 |
| Equity capital to assets | 7.9484% | 6,056 |
| Core capital (leverage) ratio | 8.8726% | 5,177 |
| Tier 1 risk-based capital ratio | 14.2281% | 4,131 |
| Total risk-based capital ratio | 15.1588% | 4,295 |
| Memoranda: | ||
| Average total assets | $38,871,000 | 6,319 |
| Average earning assets | $37,260,000 | 6,243 |
| Average equity | $3,424,800 | 6,447 |
| Average total loans | $20,627,600 | 6,167 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1004% | 3,757 |
| Cost of funding earning assets | 0.9576% | 612 |
| Net interest margin | 3.1428% | 5,172 |
| Noninterest income to average assets | 0.1660% | 6,192 |
| Noninterest expense to average assets | 2.7086% | 3,988 |
| Loan and lease loss provision to assets | 0.0865% | 3,331 |
| Net operating income to assets | 0.3758% | 5,350 |
| Return on assets (ROA) | 0.4290% | 5,263 |
| Pretax return on assets | 0.4463% | 5,506 |
| Return on Equity (ROE) | 4.7475% | 4,853 |
| Retained earnings to average equity (ytd only) | 4.7475% | 3,272 |
| Net charge-offs to loans | 0.6627% | 918 |
| Credit loss provision to net charge-offs | 24.7525% | 3,984 |
| Earnings coverage of net charge-offs (x) | 1.3664% | 4,378 |
| Efficiency ratio | 85.0163% | 1,471 |
| Assets per employee ($millions) | 4.8261% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 4,406 |
| Loan loss allowance to noncurrent loans | 45.9829% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 1.5152% | 2,661 |
| Noncurrent loans to loans | 2.8220% | 1,474 |
| Net loans and leases to total assets | 52.9954% | 4,750 |
| Net loans and leases to deposits | 60.7494% | 4,895 |
| Net loans and leases to core deposits | 62.3716% | 5,077 |
| Total domestic deposits to total assets | 87.2361% | 2,546 |
| Equity capital to assets | 8.5136% | 5,723 |
| Core capital (leverage) ratio | 8.9462% | 5,210 |
| Tier 1 risk-based capital ratio | 15.2545% | 3,592 |
| Total risk-based capital ratio | 16.4491% | 3,586 |
| Memoranda: | ||
| Average total assets | $38,542,750 | 6,400 |
| Average earning assets | $37,036,250 | 6,325 |
| Average equity | $3,482,500 | 6,511 |
| Average total loans | $20,320,500 | 6,247 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1352% | 3,607 |
| Cost of funding earning assets | 0.9539% | 703 |
| Net interest margin | 3.1813% | 5,008 |
| Noninterest income to average assets | 0.1713% | 6,185 |
| Noninterest expense to average assets | 2.6998% | 4,034 |
| Loan and lease loss provision to assets | 0.1298% | 2,698 |
| Net operating income to assets | 0.3736% | 5,318 |
| Return on assets (ROA) | 0.4932% | 5,007 |
| Pretax return on assets | 0.5140% | 5,327 |
| Return on Equity (ROE) | 5.3556% | 4,540 |
| Retained earnings to average equity (ytd only) | 5.3556% | 2,838 |
| Net charge-offs to loans | 0.5648% | 1,165 |
| Credit loss provision to net charge-offs | 43.8596% | 3,345 |
| Earnings coverage of net charge-offs (x) | 1.7544% | 3,947 |
| Efficiency ratio | 83.8710% | 1,644 |
| Assets per employee ($millions) | 4.7499% | 2,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5900% | 3,188 |
| Loan loss allowance to noncurrent loans | 47.7863% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 1.7237% | 2,527 |
| Noncurrent loans to loans | 3.3272% | 1,305 |
| Net loans and leases to total assets | 50.9829% | 5,001 |
| Net loans and leases to deposits | 58.6581% | 5,103 |
| Net loans and leases to core deposits | 60.2544% | 5,245 |
| Total domestic deposits to total assets | 86.9154% | 2,871 |
| Equity capital to assets | 8.6871% | 5,569 |
| Core capital (leverage) ratio | 8.7921% | 5,303 |
| Tier 1 risk-based capital ratio | 15.3171% | 3,588 |
| Total risk-based capital ratio | 16.5677% | 3,541 |
| Memoranda: | ||
| Average total assets | $38,520,670 | 6,443 |
| Average earning assets | $36,902,670 | 6,373 |
| Average equity | $3,547,670 | 6,552 |
| Average total loans | $20,184,000 | 6,294 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1415% | 3,551 |
| Cost of funding earning assets | 0.9574% | 759 |
| Net interest margin | 3.1841% | 4,978 |
| Noninterest income to average assets | 0.1960% | 6,073 |
| Noninterest expense to average assets | 2.6817% | 4,144 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5316% | 4,531 |
| Return on assets (ROA) | 0.6189% | 4,285 |
| Pretax return on assets | 0.6601% | 4,755 |
| Return on Equity (ROE) | 6.5377% | 3,745 |
| Retained earnings to average equity (ytd only) | 6.5377% | 2,394 |
| Net charge-offs to loans | 1.1354% | 526 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.9483% | 3,518 |
| Efficiency ratio | 82.5397% | 1,957 |
| Assets per employee ($millions) | 4.8770% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 4,089 |
| Loan loss allowance to noncurrent loans | 45.8466% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 1.6045% | 2,859 |
| Noncurrent loans to loans | 3.1186% | 1,592 |
| Net loans and leases to total assets | 50.7125% | 4,893 |
| Net loans and leases to deposits | 59.1209% | 4,897 |
| Net loans and leases to core deposits | 60.2442% | 5,116 |
| Total domestic deposits to total assets | 85.7776% | 3,647 |
| Equity capital to assets | 9.3756% | 5,025 |
| Core capital (leverage) ratio | 8.6097% | 5,439 |
| Tier 1 risk-based capital ratio | 14.7487% | 3,998 |
| Total risk-based capital ratio | 15.9997% | 3,967 |
| Memoranda: | ||
| Average total assets | $38,781,500 | 6,496 |
| Average earning assets | $37,184,500 | 6,427 |
| Average equity | $3,671,000 | 6,592 |
| Average total loans | $20,433,000 | 6,338 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5301% | 3,276 |
| Cost of funding earning assets | 1.0433% | 1,151 |
| Net interest margin | 3.4868% | 4,548 |
| Noninterest income to average assets | 0.0919% | 6,535 |
| Noninterest expense to average assets | 2.7325% | 4,281 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6595% | 3,939 |
| Return on assets (ROA) | 0.6720% | 4,144 |
| Pretax return on assets | 0.7061% | 4,651 |
| Return on Equity (ROE) | 7.3051% | 3,460 |
| Retained earnings to average equity (ytd only) | 7.3051% | 1,422 |
| Net charge-offs to loans | -0.1724% | 6,918 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7701% | 2,176 |
| Assets per employee ($millions) | 4.8184% | 2,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6592% | 3,087 |
| Loan loss allowance to noncurrent loans | 50.4386% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 1.7745% | 2,747 |
| Noncurrent loans to loans | 3.2896% | 1,558 |
| Net loans and leases to total assets | 53.0469% | 4,749 |
| Net loans and leases to deposits | 63.6910% | 4,572 |
| Net loans and leases to core deposits | 64.9514% | 4,841 |
| Total domestic deposits to total assets | 83.2879% | 4,608 |
| Equity capital to assets | 9.5572% | 4,810 |
| Core capital (leverage) ratio | 8.6105% | 5,445 |
| Tier 1 risk-based capital ratio | 14.4990% | 4,036 |
| Total risk-based capital ratio | 15.7514% | 3,984 |
| Memoranda: | ||
| Average total assets | $38,097,200 | 6,557 |
| Average earning assets | $36,423,400 | 6,487 |
| Average equity | $3,504,400 | 6,688 |
| Average total loans | $20,884,400 | 6,383 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6275% | 3,104 |
| Cost of funding earning assets | 1.0622% | 1,227 |
| Net interest margin | 3.5653% | 4,376 |
| Noninterest income to average assets | 0.1158% | 6,562 |
| Noninterest expense to average assets | 2.7484% | 4,183 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7090% | 3,880 |
| Return on assets (ROA) | 0.7090% | 4,116 |
| Pretax return on assets | 0.7722% | 4,590 |
| Return on Equity (ROE) | 7.7852% | 3,376 |
| Retained earnings to average equity (ytd only) | 7.7852% | 1,711 |
| Net charge-offs to loans | -0.2105% | 7,001 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0658% | 2,393 |
| Assets per employee ($millions) | 4.8985% | 2,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6093% | 3,481 |
| Loan loss allowance to noncurrent loans | 8,550.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.4772% | 5,475 |
| Noncurrent loans to loans | 0.0188% | 6,597 |
| Net loans and leases to total assets | 53.3582% | 4,845 |
| Net loans and leases to deposits | 65.6597% | 4,512 |
| Net loans and leases to core deposits | 66.9699% | 4,842 |
| Total domestic deposits to total assets | 81.2647% | 5,276 |
| Equity capital to assets | 9.3702% | 5,380 |
| Core capital (leverage) ratio | 8.3723% | 5,923 |
| Tier 1 risk-based capital ratio | 14.1210% | 4,437 |
| Total risk-based capital ratio | 15.3739% | 4,399 |
| Memoranda: | ||
| Average total assets | $37,984,750 | 6,636 |
| Average earning assets | $36,274,500 | 6,573 |
| Average equity | $3,459,500 | 6,779 |
| Average total loans | $20,907,250 | 6,468 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6763% | 3,021 |
| Cost of funding earning assets | 1.0787% | 1,319 |
| Net interest margin | 3.5976% | 4,274 |
| Noninterest income to average assets | 0.1064% | 6,643 |
| Noninterest expense to average assets | 2.7672% | 4,147 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7131% | 3,795 |
| Return on assets (ROA) | 0.7131% | 4,065 |
| Pretax return on assets | 0.7823% | 4,538 |
| Return on Equity (ROE) | 7.9087% | 3,296 |
| Retained earnings to average equity (ytd only) | 7.9087% | 1,673 |
| Net charge-offs to loans | -0.1924% | 6,990 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9610% | 2,458 |
| Assets per employee ($millions) | 4.8591% | 2,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5636% | 3,726 |
| Loan loss allowance to noncurrent loans | 3,655.5556% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.7049% | 5,029 |
| Noncurrent loans to loans | 0.0428% | 6,569 |
| Net loans and leases to total assets | 53.2812% | 4,916 |
| Net loans and leases to deposits | 64.8669% | 4,654 |
| Net loans and leases to core deposits | 66.1556% | 4,984 |
| Total domestic deposits to total assets | 82.1393% | 5,078 |
| Equity capital to assets | 9.0037% | 5,697 |
| Core capital (leverage) ratio | 8.2606% | 5,977 |
| Tier 1 risk-based capital ratio | 13.9349% | 4,494 |
| Total risk-based capital ratio | 15.1890% | 4,466 |
| Memoranda: | ||
| Average total assets | $37,583,670 | 6,693 |
| Average earning assets | $35,968,670 | 6,625 |
| Average equity | $3,388,670 | 6,838 |
| Average total loans | $20,792,330 | 6,524 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6845% | 3,112 |
| Cost of funding earning assets | 1.1202% | 1,300 |
| Net interest margin | 3.5643% | 4,424 |
| Noninterest income to average assets | 0.1408% | 6,536 |
| Noninterest expense to average assets | 2.7830% | 4,113 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7039% | 3,867 |
| Return on assets (ROA) | 0.7039% | 4,084 |
| Pretax return on assets | 0.7688% | 4,535 |
| Return on Equity (ROE) | 7.8008% | 3,363 |
| Retained earnings to average equity (ytd only) | 7.8008% | 2,052 |
| Net charge-offs to loans | -0.2516% | 7,032 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3537% | 2,446 |
| Assets per employee ($millions) | 4.7450% | 2,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6132% | 3,672 |
| Loan loss allowance to noncurrent loans | 188.3041% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.9852% | 4,534 |
| Noncurrent loans to loans | 0.8567% | 4,958 |
| Net loans and leases to total assets | 51.7334% | 5,057 |
| Net loans and leases to deposits | 60.3392% | 5,110 |
| Net loans and leases to core deposits | 61.5129% | 5,379 |
| Total domestic deposits to total assets | 85.7376% | 3,665 |
| Equity capital to assets | 8.8804% | 5,660 |
| Core capital (leverage) ratio | 8.2963% | 5,882 |
| Tier 1 risk-based capital ratio | 13.7619% | 4,638 |
| Total risk-based capital ratio | 15.0150% | 4,623 |
| Memoranda: | ||
| Average total assets | $36,939,000 | 6,766 |
| Average earning assets | $35,351,000 | 6,694 |
| Average equity | $3,333,000 | 6,890 |
| Average total loans | $20,668,000 | 6,586 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0909% | 2,487 |
| Cost of funding earning assets | 1.2907% | 1,528 |
| Net interest margin | 3.8003% | 3,815 |
| Noninterest income to average assets | 0.1801% | 6,203 |
| Noninterest expense to average assets | 2.9004% | 3,956 |
| Loan and lease loss provision to assets | 0.4693% | 2,252 |
| Net operating income to assets | 0.4475% | 4,661 |
| Return on assets (ROA) | 0.5430% | 4,449 |
| Pretax return on assets | 0.5211% | 4,928 |
| Return on Equity (ROE) | 6.8663% | 3,456 |
| Retained earnings to average equity (ytd only) | 6.8663% | 1,566 |
| Net charge-offs to loans | 0.6324% | 2,565 |
| Credit loss provision to net charge-offs | 126.4706% | 2,457 |
| Earnings coverage of net charge-offs (x) | 2.4118% | 4,010 |
| Efficiency ratio | 76.4198% | 2,830 |
| Assets per employee ($millions) | 4.4898% | 2,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4455% | 4,262 |
| Loan loss allowance to noncurrent loans | 84.4262% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.0747% | 4,466 |
| Noncurrent loans to loans | 1.7122% | 3,593 |
| Net loans and leases to total assets | 58.6530% | 4,252 |
| Net loans and leases to deposits | 69.8577% | 4,128 |
| Net loans and leases to core deposits | 69.8577% | 4,794 |
| Total domestic deposits to total assets | 83.9607% | 4,333 |
| Equity capital to assets | 9.1737% | 5,325 |
| Core capital (leverage) ratio | 8.4922% | 5,573 |
| Tier 1 risk-based capital ratio | 13.0349% | 5,042 |
| Total risk-based capital ratio | 14.2851% | 5,019 |
| Memoranda: | ||
| Average total assets | $36,650,400 | 6,776 |
| Average earning assets | $34,865,800 | 6,718 |
| Average equity | $2,898,200 | 7,031 |
| Average total loans | $21,505,200 | 6,580 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1381% | 2,436 |
| Cost of funding earning assets | 1.3150% | 1,622 |
| Net interest margin | 3.8231% | 3,752 |
| Noninterest income to average assets | 0.1774% | 6,319 |
| Noninterest expense to average assets | 2.7981% | 4,351 |
| Loan and lease loss provision to assets | 0.6226% | 1,576 |
| Net operating income to assets | 0.4235% | 4,887 |
| Return on assets (ROA) | 0.5249% | 4,615 |
| Pretax return on assets | 0.4887% | 5,194 |
| Return on Equity (ROE) | 6.9071% | 3,571 |
| Retained earnings to average equity (ytd only) | 6.9071% | 2,026 |
| Net charge-offs to loans | 0.3838% | 3,200 |
| Credit loss provision to net charge-offs | 277.4194% | 1,032 |
| Earnings coverage of net charge-offs (x) | 4.5002% | 3,053 |
| Efficiency ratio | 73.4791% | 3,282 |
| Assets per employee ($millions) | 4.4848% | 2,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7836% | 3,005 |
| Loan loss allowance to noncurrent loans | 84.5475% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 1.3184% | 4,166 |
| Noncurrent loans to loans | 2.1096% | 3,233 |
| Net loans and leases to total assets | 58.7825% | 4,359 |
| Net loans and leases to deposits | 69.2224% | 4,424 |
| Net loans and leases to core deposits | 70.6604% | 4,869 |
| Total domestic deposits to total assets | 84.9183% | 3,808 |
| Equity capital to assets | 8.9414% | 5,818 |
| Core capital (leverage) ratio | 8.2786% | 6,005 |
| Tier 1 risk-based capital ratio | 12.8837% | 5,182 |
| Total risk-based capital ratio | 14.1373% | 5,158 |
| Memoranda: | ||
| Average total assets | $36,833,500 | 6,831 |
| Average earning assets | $34,979,750 | 6,778 |
| Average equity | $2,799,000 | 7,121 |
| Average total loans | $21,537,500 | 6,644 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0752% | 2,797 |
| Cost of funding earning assets | 1.3335% | 1,739 |
| Net interest margin | 3.7417% | 4,075 |
| Noninterest income to average assets | 0.1615% | 6,506 |
| Noninterest expense to average assets | 2.7078% | 4,795 |
| Loan and lease loss provision to assets | 0.9259% | 960 |
| Net operating income to assets | 0.2692% | 5,483 |
| Return on assets (ROA) | 0.3445% | 5,333 |
| Pretax return on assets | 0.1830% | 5,963 |
| Return on Equity (ROE) | 4.8072% | 4,539 |
| Retained earnings to average equity (ytd only) | 4.8072% | 3,114 |
| Net charge-offs to loans | 0.5937% | 2,334 |
| Credit loss provision to net charge-offs | 268.7500% | 1,130 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,351 |
| Efficiency ratio | 72.3741% | 3,656 |
| Assets per employee ($millions) | 4.6299% | 2,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7992% | 2,994 |
| Loan loss allowance to noncurrent loans | 84.2920% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 1.2743% | 4,350 |
| Noncurrent loans to loans | 2.1345% | 3,304 |
| Net loans and leases to total assets | 56.1435% | 4,973 |
| Net loans and leases to deposits | 65.1615% | 5,117 |
| Net loans and leases to core deposits | 66.4504% | 5,452 |
| Total domestic deposits to total assets | 86.1605% | 3,236 |
| Equity capital to assets | 8.0132% | 6,672 |
| Core capital (leverage) ratio | 7.7424% | 6,553 |
| Tier 1 risk-based capital ratio | 11.8361% | 5,908 |
| Total risk-based capital ratio | 13.0907% | 5,883 |
| Memoranda: | ||
| Average total assets | $37,152,000 | 6,883 |
| Average earning assets | $35,545,670 | 6,815 |
| Average equity | $2,662,670 | 7,211 |
| Average total loans | $21,559,000 | 6,717 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2451% | 2,068 |
| Cost of funding earning assets | 1.3702% | 1,764 |
| Net interest margin | 3.8749% | 3,271 |
| Noninterest income to average assets | 0.1505% | 6,650 |
| Noninterest expense to average assets | 2.7091% | 4,799 |
| Loan and lease loss provision to assets | 1.8490% | 306 |
| Net operating income to assets | -0.6988% | 6,914 |
| Return on assets (ROA) | -0.6773% | 6,910 |
| Pretax return on assets | -0.6773% | 6,862 |
| Return on Equity (ROE) | -10.0398% | 7,032 |
| Retained earnings to average equity (ytd only) | -10.0398% | 6,874 |
| Net charge-offs to loans | 1.5632% | 867 |
| Credit loss provision to net charge-offs | 202.3529% | 1,465 |
| Earnings coverage of net charge-offs (x) | 1.2588% | 3,729 |
| Efficiency ratio | 70.1950% | 4,221 |
| Assets per employee ($millions) | 4.5670% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7420% | 3,206 |
| Loan loss allowance to noncurrent loans | 75.3138% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.3630% | 4,248 |
| Noncurrent loans to loans | 2.3130% | 3,174 |
| Net loans and leases to total assets | 55.5781% | 5,065 |
| Net loans and leases to deposits | 63.7051% | 5,290 |
| Net loans and leases to core deposits | 64.4471% | 5,684 |
| Total domestic deposits to total assets | 87.2427% | 2,799 |
| Equity capital to assets | 7.0013% | 7,083 |
| Core capital (leverage) ratio | 7.0579% | 6,982 |
| Tier 1 risk-based capital ratio | 10.6475% | 6,722 |
| Total risk-based capital ratio | 11.9018% | 6,708 |
| Memoranda: | ||
| Average total assets | $37,208,500 | 6,929 |
| Average earning assets | $35,614,000 | 6,857 |
| Average equity | $2,510,000 | 7,291 |
| Average total loans | $21,750,500 | 6,756 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3099% | 3,082 |
| Cost of funding earning assets | 1.7221% | 1,502 |
| Net interest margin | 3.5877% | 4,875 |
| Noninterest income to average assets | 0.1693% | 6,522 |
| Noninterest expense to average assets | 2.7464% | 4,796 |
| Loan and lease loss provision to assets | 0.7917% | 2,065 |
| Net operating income to assets | 0.1938% | 5,284 |
| Return on assets (ROA) | 0.3249% | 5,008 |
| Pretax return on assets | 0.1747% | 5,545 |
| Return on Equity (ROE) | 4.6221% | 4,239 |
| Retained earnings to average equity (ytd only) | 4.6221% | 2,652 |
| Net charge-offs to loans | 2.1526% | 911 |
| Credit loss provision to net charge-offs | 65.7596% | 5,966 |
| Earnings coverage of net charge-offs (x) | 0.6939% | 5,416 |
| Efficiency ratio | 76.6768% | 2,935 |
| Assets per employee ($millions) | 4.7351% | 2,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 5,540 |
| Loan loss allowance to noncurrent loans | 39.1679% | 5,692 |
| Noncurrent assets plus other real estate owned to assets | 1.8928% | 3,494 |
| Noncurrent loans to loans | 3.0523% | 2,501 |
| Net loans and leases to total assets | 59.5602% | 4,752 |
| Net loans and leases to deposits | 71.1398% | 4,661 |
| Net loans and leases to core deposits | 71.9727% | 5,218 |
| Total domestic deposits to total assets | 83.7227% | 4,493 |
| Equity capital to assets | 6.4993% | 7,257 |
| Core capital (leverage) ratio | 6.9486% | 7,046 |
| Tier 1 risk-based capital ratio | 9.5922% | 7,112 |
| Total risk-based capital ratio | 10.6061% | 7,175 |
| Memoranda: | ||
| Average total assets | $36,629,800 | 6,986 |
| Average earning assets | $34,840,800 | 6,917 |
| Average equity | $2,574,600 | 7,379 |
| Average total loans | $20,487,200 | 6,901 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3752% | 2,994 |
| Cost of funding earning assets | 1.7711% | 1,546 |
| Net interest margin | 3.6041% | 4,853 |
| Noninterest income to average assets | 0.1615% | 6,707 |
| Noninterest expense to average assets | 2.6543% | 5,094 |
| Loan and lease loss provision to assets | 1.0279% | 1,439 |
| Net operating income to assets | -0.0944% | 6,178 |
| Return on assets (ROA) | 0.0661% | 5,990 |
| Pretax return on assets | 0.0697% | 5,970 |
| Return on Equity (ROE) | 0.9221% | 5,911 |
| Retained earnings to average equity (ytd only) | 0.9221% | 5,434 |
| Net charge-offs to loans | 2.9681% | 528 |
| Credit loss provision to net charge-offs | 63.2054% | 5,610 |
| Earnings coverage of net charge-offs (x) | 0.5711% | 5,445 |
| Efficiency ratio | 74.0779% | 3,318 |
| Assets per employee ($millions) | 4.5543% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 4,935 |
| Loan loss allowance to noncurrent loans | 31.4837% | 6,245 |
| Noncurrent assets plus other real estate owned to assets | 2.3302% | 3,052 |
| Noncurrent loans to loans | 4.1471% | 1,775 |
| Net loans and leases to total assets | 54.1500% | 5,828 |
| Net loans and leases to deposits | 61.3273% | 6,182 |
| Net loans and leases to core deposits | 61.3273% | 6,511 |
| Total domestic deposits to total assets | 88.2966% | 1,798 |
| Equity capital to assets | 7.5863% | 7,071 |
| Core capital (leverage) ratio | 6.7506% | 7,273 |
| Tier 1 risk-based capital ratio | 10.3477% | 6,865 |
| Total risk-based capital ratio | 11.4358% | 6,944 |
| Memoranda: | ||
| Average total assets | $36,317,000 | 7,081 |
| Average earning assets | $34,478,750 | 7,015 |
| Average equity | $2,602,750 | 7,471 |
| Average total loans | $19,900,250 | 7,016 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2540% | 3,690 |
| Cost of funding earning assets | 1.7977% | 1,648 |
| Net interest margin | 3.4562% | 5,420 |
| Noninterest income to average assets | 0.2426% | 6,173 |
| Noninterest expense to average assets | 2.6683% | 5,044 |
| Loan and lease loss provision to assets | 0.9648% | 1,514 |
| Net operating income to assets | -0.1047% | 6,238 |
| Return on assets (ROA) | 0.0441% | 6,107 |
| Pretax return on assets | 0.0441% | 6,086 |
| Return on Equity (ROE) | 0.6277% | 6,053 |
| Retained earnings to average equity (ytd only) | 0.6277% | 5,513 |
| Net charge-offs to loans | 3.5228% | 418 |
| Credit loss provision to net charge-offs | 50.0000% | 5,413 |
| Earnings coverage of net charge-offs (x) | 0.4457% | 5,272 |
| Efficiency ratio | 75.6250% | 3,137 |
| Assets per employee ($millions) | 4.6791% | 2,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2290% | 5,300 |
| Loan loss allowance to noncurrent loans | 23.9884% | 6,738 |
| Noncurrent assets plus other real estate owned to assets | 2.8798% | 2,497 |
| Noncurrent loans to loans | 5.1234% | 1,339 |
| Net loans and leases to total assets | 53.4582% | 6,052 |
| Net loans and leases to deposits | 64.1255% | 6,027 |
| Net loans and leases to core deposits | 64.8886% | 6,324 |
| Total domestic deposits to total assets | 83.3649% | 4,404 |
| Equity capital to assets | 7.0473% | 7,330 |
| Core capital (leverage) ratio | 6.6573% | 7,330 |
| Tier 1 risk-based capital ratio | 9.9903% | 7,032 |
| Total risk-based capital ratio | 10.9966% | 7,150 |
| Memoranda: | ||
| Average total assets | $36,278,000 | 7,133 |
| Average earning assets | $34,488,330 | 7,064 |
| Average equity | $2,549,000 | 7,537 |
| Average total loans | $19,870,330 | 7,074 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2312% | 3,874 |
| Cost of funding earning assets | 1.8649% | 1,587 |
| Net interest margin | 3.3663% | 5,725 |
| Noninterest income to average assets | 0.2465% | 6,181 |
| Noninterest expense to average assets | 2.6106% | 5,312 |
| Loan and lease loss provision to assets | 1.9608% | 569 |
| Net operating income to assets | -1.1092% | 7,170 |
| Return on assets (ROA) | -0.7955% | 7,026 |
| Pretax return on assets | -0.7955% | 6,945 |
| Return on Equity (ROE) | -11.3396% | 7,184 |
| Retained earnings to average equity (ytd only) | -11.3396% | 7,033 |
| Net charge-offs to loans | 7.1358% | 127 |
| Credit loss provision to net charge-offs | 49.8575% | 4,490 |
| Earnings coverage of net charge-offs (x) | 0.2165% | 4,846 |
| Efficiency ratio | 75.4045% | 3,328 |
| Assets per employee ($millions) | 4.5251% | 2,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 5,141 |
| Loan loss allowance to noncurrent loans | 23.4183% | 6,838 |
| Noncurrent assets plus other real estate owned to assets | 3.0358% | 2,354 |
| Noncurrent loans to loans | 5.3912% | 1,311 |
| Net loans and leases to total assets | 53.5759% | 6,080 |
| Net loans and leases to deposits | 59.4028% | 6,518 |
| Net loans and leases to core deposits | 61.8010% | 6,615 |
| Total domestic deposits to total assets | 90.1909% | 892 |
| Equity capital to assets | 6.7926% | 7,454 |
| Core capital (leverage) ratio | 6.5411% | 7,450 |
| Tier 1 risk-based capital ratio | 9.8636% | 7,115 |
| Total risk-based capital ratio | 10.8858% | 7,229 |
| Memoranda: | ||
| Average total assets | $35,700,500 | 7,247 |
| Average earning assets | $34,103,000 | 7,159 |
| Average equity | $2,504,500 | 7,628 |
| Average total loans | $19,675,500 | 7,174 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8436% | 2,471 |
| Cost of funding earning assets | 2.2117% | 1,979 |
| Net interest margin | 3.6319% | 4,421 |
| Noninterest income to average assets | 0.1259% | 7,120 |
| Noninterest expense to average assets | 2.8805% | 4,607 |
| Loan and lease loss provision to assets | 0.2927% | 5,084 |
| Net operating income to assets | 0.3203% | 4,451 |
| Return on assets (ROA) | 0.4713% | 3,964 |
| Pretax return on assets | 0.6147% | 3,866 |
| Return on Equity (ROE) | 6.4815% | 3,000 |
| Retained earnings to average equity (ytd only) | 6.4815% | 1,156 |
| Net charge-offs to loans | -0.1372% | 7,899 |
| Credit loss provision to net charge-offs | -384.6154% | 7,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1956% | 2,860 |
| Assets per employee ($millions) | 4.4000% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1514% | 1,729 |
| Loan loss allowance to noncurrent loans | 44.8203% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 2.8011% | 2,499 |
| Noncurrent loans to loans | 4.8001% | 1,439 |
| Net loans and leases to total assets | 54.7841% | 6,106 |
| Net loans and leases to deposits | 59.9646% | 6,638 |
| Net loans and leases to core deposits | 74.8022% | 6,485 |
| Total domestic deposits to total assets | 91.3608% | 417 |
| Equity capital to assets | 7.2443% | 7,240 |
| Core capital (leverage) ratio | 7.0412% | 7,203 |
| Tier 1 risk-based capital ratio | 10.7348% | 6,171 |
| Total risk-based capital ratio | 11.9901% | 6,144 |
| Memoranda: | ||
| Average total assets | $34,160,600 | 7,320 |
| Average earning assets | $32,600,000 | 7,242 |
| Average equity | $2,484,000 | 7,737 |
| Average total loans | $18,955,400 | 7,258 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8967% | 2,466 |
| Cost of funding earning assets | 2.2895% | 2,020 |
| Net interest margin | 3.6072% | 4,456 |
| Noninterest income to average assets | 0.2832% | 6,210 |
| Noninterest expense to average assets | 2.8435% | 4,705 |
| Loan and lease loss provision to assets | 0.3933% | 3,954 |
| Net operating income to assets | 0.3580% | 4,559 |
| Return on assets (ROA) | 0.5074% | 4,035 |
| Pretax return on assets | 0.6961% | 3,870 |
| Return on Equity (ROE) | 6.9706% | 3,087 |
| Retained earnings to average equity (ytd only) | 6.9706% | 1,518 |
| Net charge-offs to loans | -0.0142% | 7,722 |
| Credit loss provision to net charge-offs | -5,000.0000% | 7,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2658% | 3,456 |
| Assets per employee ($millions) | 4.3576% | 3,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1167% | 1,569 |
| Loan loss allowance to noncurrent loans | 44.4444% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 3.1238% | 2,192 |
| Noncurrent loans to loans | 4.7627% | 1,432 |
| Net loans and leases to total assets | 53.0593% | 6,491 |
| Net loans and leases to deposits | 58.3962% | 6,941 |
| Net loans and leases to core deposits | 73.4299% | 6,759 |
| Total domestic deposits to total assets | 90.8608% | 462 |
| Equity capital to assets | 7.5901% | 7,230 |
| Core capital (leverage) ratio | 7.0485% | 7,405 |
| Tier 1 risk-based capital ratio | 10.9107% | 6,039 |
| Total risk-based capital ratio | 12.1669% | 5,995 |
| Memoranda: | ||
| Average total assets | $33,900,750 | 7,386 |
| Average earning assets | $32,378,750 | 7,311 |
| Average equity | $2,467,500 | 7,815 |
| Average total loans | $18,767,250 | 7,334 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8988% | 2,584 |
| Cost of funding earning assets | 2.3470% | 2,173 |
| Net interest margin | 3.5518% | 4,561 |
| Noninterest income to average assets | 0.2859% | 6,220 |
| Noninterest expense to average assets | 2.8111% | 4,916 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5811% | 3,767 |
| Return on assets (ROA) | 0.6968% | 3,380 |
| Pretax return on assets | 1.0363% | 2,855 |
| Return on Equity (ROE) | 9.7176% | 2,125 |
| Retained earnings to average equity (ytd only) | 9.7176% | 783 |
| Net charge-offs to loans | -0.0107% | 7,617 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4992% | 3,597 |
| Assets per employee ($millions) | 4.2931% | 3,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6089% | 2,699 |
| Loan loss allowance to noncurrent loans | 25.4685% | 6,811 |
| Noncurrent assets plus other real estate owned to assets | 3.9686% | 1,504 |
| Noncurrent loans to loans | 6.3173% | 853 |
| Net loans and leases to total assets | 53.2392% | 6,539 |
| Net loans and leases to deposits | 58.2919% | 7,004 |
| Net loans and leases to core deposits | 72.9765% | 6,847 |
| Total domestic deposits to total assets | 91.3321% | 358 |
| Equity capital to assets | 7.1976% | 7,484 |
| Core capital (leverage) ratio | 7.2405% | 7,312 |
| Tier 1 risk-based capital ratio | 11.1644% | 5,714 |
| Total risk-based capital ratio | 12.3127% | 5,736 |
| Memoranda: | ||
| Average total assets | $33,580,670 | 7,464 |
| Average earning assets | $32,040,330 | 7,395 |
| Average equity | $2,408,000 | 7,903 |
| Average total loans | $18,724,000 | 7,410 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0770% | 2,036 |
| Cost of funding earning assets | 2.4712% | 2,024 |
| Net interest margin | 3.6059% | 4,293 |
| Noninterest income to average assets | 0.2651% | 6,328 |
| Noninterest expense to average assets | 2.7471% | 4,796 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6393% | 3,842 |
| Return on assets (ROA) | 0.7109% | 3,696 |
| Pretax return on assets | 1.0723% | 3,094 |
| Return on Equity (ROE) | 9.9327% | 2,348 |
| Retained earnings to average equity (ytd only) | 9.9327% | 1,213 |
| Net charge-offs to loans | 0.0426% | 4,884 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 848 |
| Efficiency ratio | 74.0260% | 3,818 |
| Assets per employee ($millions) | 4.1196% | 3,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6044% | 2,497 |
| Loan loss allowance to noncurrent loans | 53.5262% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 2.2514% | 2,547 |
| Noncurrent loans to loans | 2.9975% | 2,177 |
| Net loans and leases to total assets | 55.0809% | 6,346 |
| Net loans and leases to deposits | 60.1113% | 6,887 |
| Net loans and leases to core deposits | 75.9127% | 6,681 |
| Total domestic deposits to total assets | 91.6315% | 245 |
| Equity capital to assets | 7.3581% | 7,450 |
| Core capital (leverage) ratio | 7.0323% | 7,612 |
| Tier 1 risk-based capital ratio | 11.3738% | 5,531 |
| Total risk-based capital ratio | 12.6258% | 5,429 |
| Memoranda: | ||
| Average total assets | $33,198,500 | 7,523 |
| Average earning assets | $31,726,000 | 7,451 |
| Average equity | $2,376,000 | 7,963 |
| Average total loans | $18,794,000 | 7,450 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5229% | 2,849 |
| Cost of funding earning assets | 3.1315% | 1,409 |
| Net interest margin | 3.3914% | 5,693 |
| Noninterest income to average assets | 0.2871% | 6,412 |
| Noninterest expense to average assets | 2.6408% | 5,484 |
| Loan and lease loss provision to assets | 0.0631% | 6,613 |
| Net operating income to assets | 0.5053% | 4,707 |
| Return on assets (ROA) | 0.5174% | 4,508 |
| Pretax return on assets | 0.8140% | 4,016 |
| Return on Equity (ROE) | 7.4114% | 3,317 |
| Retained earnings to average equity (ytd only) | 6.7336% | 1,250 |
| Net charge-offs to loans | 0.0053% | 6,904 |
| Credit loss provision to net charge-offs | 2,000.0000% | 221 |
| Earnings coverage of net charge-offs (x) | 272.0000% | 183 |
| Efficiency ratio | 75.4734% | 3,333 |
| Assets per employee ($millions) | 4.1800% | 3,150 |
| Cash dividends to net income (ytd only)* | 9.1463% | 4,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5570% | 2,419 |
| Loan loss allowance to noncurrent loans | 76.4103% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 1.7315% | 2,814 |
| Noncurrent loans to loans | 2.0377% | 2,715 |
| Net loans and leases to total assets | 56.3427% | 6,392 |
| Net loans and leases to deposits | 62.8389% | 6,886 |
| Net loans and leases to core deposits | 78.2206% | 6,740 |
| Total domestic deposits to total assets | 89.6621% | 779 |
| Equity capital to assets | 6.9587% | 7,755 |
| Core capital (leverage) ratio | 6.9222% | 7,743 |
| Tier 1 risk-based capital ratio | 11.0588% | 5,675 |
| Total risk-based capital ratio | 12.3121% | 5,560 |
| Memoranda: | ||
| Average total assets | $31,695,000 | 7,580 |
| Average earning assets | $30,017,200 | 7,510 |
| Average equity | $2,212,800 | 8,071 |
| Average total loans | $18,791,200 | 7,416 |