Home > The Bank of Harlan > Performance and Condition Ratios
The Bank of Harlan, Performance and Condition Ratios
| 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 | 0.4096% | 5,906 |
| Cost of funding earning assets | 0.0155% | 5,877 |
| Net interest margin | 0.3941% | 5,906 |
| Noninterest income to average assets | 0.0515% | 5,768 |
| Noninterest expense to average assets | 0.8488% | 5,875 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.2680% | 5,731 |
| Return on assets (ROA) | -0.2680% | 5,743 |
| Pretax return on assets | -0.4367% | 5,767 |
| Return on Equity (ROE) | -2.4527% | 5,743 |
| Retained earnings to average equity (ytd only) | -2.4527% | 5,560 |
| Net charge-offs to loans | 0.5549% | 426 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -1.8932% | 4,190 |
| Efficiency ratio | 205.9783% | 13 |
| Assets per employee ($millions) | 4.0177% | 3,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,860 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 1.2461% | 1,433 |
| Noncurrent loans to loans | 2.1756% | 785 |
| Net loans and leases to total assets | 42.7586% | 5,194 |
| Net loans and leases to deposits | 48.0874% | 5,295 |
| Net loans and leases to core deposits | 54.5497% | 5,123 |
| Total domestic deposits to total assets | 88.9185% | 1,155 |
| Equity capital to assets | 9.6985% | 4,075 |
| Core capital (leverage) ratio | 9.9618% | 3,531 |
| Tier 1 risk-based capital ratio | 15.8971% | 2,592 |
| Total risk-based capital ratio | 15.8971% | 3,066 |
| Memoranda: | ||
| Average total assets | $133,954,200 | 3,767 |
| Average earning assets | $122,552,200 | 3,782 |
| Average equity | $14,637,000 | 3,855 |
| Average total loans | $55,681,200 | 4,412 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3477% | 5,127 |
| Cost of funding earning assets | 0.1985% | 5,084 |
| Net interest margin | 3.1492% | 4,639 |
| Noninterest income to average assets | 0.5075% | 3,197 |
| Noninterest expense to average assets | 3.0469% | 2,174 |
| Loan and lease loss provision to assets | 0.0443% | 3,351 |
| Net operating income to assets | 0.2326% | 5,414 |
| Return on assets (ROA) | 0.2759% | 5,415 |
| Pretax return on assets | 0.3469% | 5,382 |
| Return on Equity (ROE) | 2.4595% | 5,364 |
| Retained earnings to average equity (ytd only) | 2.4595% | 4,450 |
| Net charge-offs to loans | 0.7209% | 257 |
| Credit loss provision to net charge-offs | 14.9007% | 3,331 |
| Earnings coverage of net charge-offs (x) | 1.1324% | 3,727 |
| Efficiency ratio | 90.0408% | 556 |
| Assets per employee ($millions) | 4.2684% | 3,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4660% | 1,904 |
| Loan loss allowance to noncurrent loans | 56.2232% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 1.4322% | 1,282 |
| Noncurrent loans to loans | 2.6074% | 651 |
| Net loans and leases to total assets | 41.2578% | 5,324 |
| Net loans and leases to deposits | 47.8828% | 5,384 |
| Net loans and leases to core deposits | 54.4908% | 5,207 |
| Total domestic deposits to total assets | 86.1641% | 2,275 |
| Equity capital to assets | 12.0108% | 2,111 |
| Core capital (leverage) ratio | 11.6883% | 1,900 |
| Tier 1 risk-based capital ratio | 21.0795% | 1,255 |
| Total risk-based capital ratio | 22.2247% | 1,258 |
| Memoranda: | ||
| Average total assets | $135,301,250 | 3,765 |
| Average earning assets | $123,584,000 | 3,785 |
| Average equity | $15,179,000 | 3,817 |
| Average total loans | $55,858,250 | 4,444 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3052% | 5,281 |
| Cost of funding earning assets | 0.2052% | 5,087 |
| Net interest margin | 3.1000% | 4,834 |
| Noninterest income to average assets | 0.5185% | 3,080 |
| Noninterest expense to average assets | 2.9568% | 2,494 |
| Loan and lease loss provision to assets | 0.0436% | 3,276 |
| Net operating income to assets | 0.2621% | 5,409 |
| Return on assets (ROA) | 0.3166% | 5,357 |
| Pretax return on assets | 0.4212% | 5,303 |
| Return on Equity (ROE) | 2.8851% | 5,270 |
| Retained earnings to average equity (ytd only) | 2.8851% | 4,069 |
| Net charge-offs to loans | 0.4947% | 441 |
| Credit loss provision to net charge-offs | 21.4286% | 2,920 |
| Earnings coverage of net charge-offs (x) | 1.9286% | 3,352 |
| Efficiency ratio | 88.2914% | 701 |
| Assets per employee ($millions) | 3.8295% | 4,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6815% | 1,314 |
| Loan loss allowance to noncurrent loans | 54.3972% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 1.4594% | 1,328 |
| Noncurrent loans to loans | 3.0911% | 472 |
| Net loans and leases to total assets | 40.7458% | 5,386 |
| Net loans and leases to deposits | 47.0736% | 5,457 |
| Net loans and leases to core deposits | 53.2078% | 5,315 |
| Total domestic deposits to total assets | 86.5576% | 2,133 |
| Equity capital to assets | 11.6234% | 2,424 |
| Core capital (leverage) ratio | 10.2799% | 3,227 |
| Tier 1 risk-based capital ratio | 20.2559% | 1,398 |
| Total risk-based capital ratio | 21.5068% | 1,368 |
| Memoranda: | ||
| Average total assets | $137,718,000 | 3,756 |
| Average earning assets | $125,743,000 | 3,768 |
| Average equity | $15,112,000 | 3,844 |
| Average total loans | $56,605,330 | 4,455 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1614% | 5,535 |
| Cost of funding earning assets | 0.2120% | 5,083 |
| Net interest margin | 2.9494% | 5,222 |
| Noninterest income to average assets | 0.5044% | 3,088 |
| Noninterest expense to average assets | 2.9062% | 2,684 |
| Loan and lease loss provision to assets | 0.0430% | 3,063 |
| Net operating income to assets | 0.1959% | 5,529 |
| Return on assets (ROA) | 0.2150% | 5,562 |
| Pretax return on assets | 0.2923% | 5,518 |
| Return on Equity (ROE) | 2.0163% | 5,498 |
| Retained earnings to average equity (ytd only) | -10.0010% | 5,802 |
| Net charge-offs to loans | 0.8961% | 220 |
| Credit loss provision to net charge-offs | 11.7188% | 2,355 |
| Earnings coverage of net charge-offs (x) | 0.8438% | 2,890 |
| Efficiency ratio | 90.3743% | 652 |
| Assets per employee ($millions) | 3.9929% | 3,960 |
| Cash dividends to net income (ytd only)* | 596.0000% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6323% | 1,524 |
| Loan loss allowance to noncurrent loans | 61.2648% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 1.3209% | 1,624 |
| Noncurrent loans to loans | 2.6643% | 676 |
| Net loans and leases to total assets | 40.1038% | 5,448 |
| Net loans and leases to deposits | 45.7544% | 5,517 |
| Net loans and leases to core deposits | 54.4248% | 5,223 |
| Total domestic deposits to total assets | 87.6501% | 1,830 |
| Equity capital to assets | 10.7556% | 3,202 |
| Core capital (leverage) ratio | 10.8361% | 2,588 |
| Tier 1 risk-based capital ratio | 22.5922% | 1,077 |
| Total risk-based capital ratio | 23.8459% | 1,048 |
| Memoranda: | ||
| Average total assets | $139,561,500 | 3,752 |
| Average earning assets | $128,296,500 | 3,747 |
| Average equity | $14,878,500 | 3,881 |
| Average total loans | $57,135,000 | 4,466 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4766% | 4,986 |
| Cost of funding earning assets | 0.2471% | 4,814 |
| Net interest margin | 3.2295% | 4,533 |
| Noninterest income to average assets | 0.5328% | 3,122 |
| Noninterest expense to average assets | 3.1590% | 2,065 |
| Loan and lease loss provision to assets | 0.0423% | 3,488 |
| Net operating income to assets | 0.2513% | 5,478 |
| Return on assets (ROA) | 0.2637% | 5,530 |
| Pretax return on assets | 0.2783% | 5,562 |
| Return on Equity (ROE) | 2.3267% | 5,493 |
| Retained earnings to average equity (ytd only) | -0.7055% | 5,622 |
| Net charge-offs to loans | 0.2229% | 1,327 |
| Credit loss provision to net charge-offs | 43.3071% | 3,492 |
| Earnings coverage of net charge-offs (x) | 3.1496% | 3,767 |
| Efficiency ratio | 91.1289% | 624 |
| Assets per employee ($millions) | 3.9821% | 3,970 |
| Cash dividends to net income (ytd only)* | 130.3207% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8239% | 1,091 |
| Loan loss allowance to noncurrent loans | 64.5062% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 1.3532% | 1,555 |
| Noncurrent loans to loans | 2.8275% | 598 |
| Net loans and leases to total assets | 40.3593% | 5,491 |
| Net loans and leases to deposits | 45.9247% | 5,567 |
| Net loans and leases to core deposits | 55.3103% | 5,237 |
| Total domestic deposits to total assets | 87.8814% | 1,693 |
| Equity capital to assets | 10.5659% | 3,290 |
| Core capital (leverage) ratio | 11.1495% | 2,266 |
| Tier 1 risk-based capital ratio | 22.9112% | 1,024 |
| Total risk-based capital ratio | 24.1652% | 1,009 |
| Memoranda: | ||
| Average total assets | $130,071,400 | 3,887 |
| Average earning assets | $118,161,200 | 3,919 |
| Average equity | $14,742,200 | 3,875 |
| Average total loans | $56,979,600 | 4,466 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4756% | 5,035 |
| Cost of funding earning assets | 0.2531% | 4,844 |
| Net interest margin | 3.2225% | 4,601 |
| Noninterest income to average assets | 0.5427% | 3,093 |
| Noninterest expense to average assets | 3.1635% | 2,056 |
| Loan and lease loss provision to assets | 0.0574% | 3,038 |
| Net operating income to assets | 0.2253% | 5,629 |
| Return on assets (ROA) | 0.2244% | 5,696 |
| Pretax return on assets | 0.2578% | 5,709 |
| Return on Equity (ROE) | 1.9440% | 5,675 |
| Retained earnings to average equity (ytd only) | -2.1067% | 5,865 |
| Net charge-offs to loans | 0.2812% | 951 |
| Credit loss provision to net charge-offs | 45.8333% | 3,084 |
| Earnings coverage of net charge-offs (x) | 2.5249% | 3,659 |
| Efficiency ratio | 90.9118% | 637 |
| Assets per employee ($millions) | 3.8134% | 4,243 |
| Cash dividends to net income (ytd only)* | 208.3723% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8646% | 1,147 |
| Loan loss allowance to noncurrent loans | 69.1196% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 1.4515% | 1,553 |
| Noncurrent loans to loans | 2.6977% | 715 |
| Net loans and leases to total assets | 42.7027% | 5,449 |
| Net loans and leases to deposits | 49.3731% | 5,497 |
| Net loans and leases to core deposits | 60.6675% | 5,020 |
| Total domestic deposits to total assets | 86.4897% | 2,286 |
| Equity capital to assets | 11.3754% | 2,610 |
| Core capital (leverage) ratio | 10.9772% | 2,512 |
| Tier 1 risk-based capital ratio | 23.1288% | 1,040 |
| Total risk-based capital ratio | 24.3862% | 1,022 |
| Memoranda: | ||
| Average total assets | $127,746,000 | 3,977 |
| Average earning assets | $116,428,250 | 3,996 |
| Average equity | $14,746,250 | 3,913 |
| Average total loans | $56,900,750 | 4,510 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5079% | 4,962 |
| Cost of funding earning assets | 0.2581% | 4,857 |
| Net interest margin | 3.2498% | 4,500 |
| Noninterest income to average assets | 0.5649% | 2,944 |
| Noninterest expense to average assets | 3.1249% | 2,179 |
| Loan and lease loss provision to assets | 0.0629% | 2,857 |
| Net operating income to assets | 0.2877% | 5,476 |
| Return on assets (ROA) | 0.2864% | 5,565 |
| Pretax return on assets | 0.3273% | 5,613 |
| Return on Equity (ROE) | 2.4686% | 5,573 |
| Retained earnings to average equity (ytd only) | -3.6350% | 5,952 |
| Net charge-offs to loans | 0.3996% | 651 |
| Credit loss provision to net charge-offs | 35.0877% | 2,870 |
| Earnings coverage of net charge-offs (x) | 2.1842% | 3,391 |
| Efficiency ratio | 88.8591% | 839 |
| Assets per employee ($millions) | 3.7969% | 4,259 |
| Cash dividends to net income (ytd only)* | 247.2527% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8209% | 1,332 |
| Loan loss allowance to noncurrent loans | 75.2525% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 1.4502% | 1,713 |
| Noncurrent loans to loans | 2.4198% | 932 |
| Net loans and leases to total assets | 44.8814% | 5,321 |
| Net loans and leases to deposits | 52.0295% | 5,377 |
| Net loans and leases to core deposits | 65.0131% | 4,729 |
| Total domestic deposits to total assets | 86.2614% | 2,552 |
| Equity capital to assets | 11.5725% | 2,354 |
| Core capital (leverage) ratio | 11.1602% | 2,280 |
| Tier 1 risk-based capital ratio | 22.9850% | 1,085 |
| Total risk-based capital ratio | 24.2401% | 1,059 |
| Memoranda: | ||
| Average total assets | $127,109,000 | 4,016 |
| Average earning assets | $115,454,670 | 4,041 |
| Average equity | $14,745,330 | 3,931 |
| Average total loans | $57,061,330 | 4,538 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5422% | 4,852 |
| Cost of funding earning assets | 0.2615% | 4,888 |
| Net interest margin | 3.2807% | 4,292 |
| Noninterest income to average assets | 0.5499% | 2,946 |
| Noninterest expense to average assets | 3.1184% | 2,210 |
| Loan and lease loss provision to assets | 0.0625% | 2,676 |
| Net operating income to assets | 0.2593% | 5,537 |
| Return on assets (ROA) | 0.2593% | 5,631 |
| Pretax return on assets | 0.3093% | 5,633 |
| Return on Equity (ROE) | 2.2330% | 5,628 |
| Retained earnings to average equity (ytd only) | -6.7528% | 6,025 |
| Net charge-offs to loans | 0.4003% | 607 |
| Credit loss provision to net charge-offs | 35.0877% | 2,227 |
| Earnings coverage of net charge-offs (x) | 2.0877% | 2,822 |
| Efficiency ratio | 89.3465% | 903 |
| Assets per employee ($millions) | 3.9298% | 4,103 |
| Cash dividends to net income (ytd only)* | 402.4096% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9027% | 1,277 |
| Loan loss allowance to noncurrent loans | 69.1224% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 1.6031% | 1,596 |
| Noncurrent loans to loans | 2.7526% | 847 |
| Net loans and leases to total assets | 42.8970% | 5,429 |
| Net loans and leases to deposits | 49.7234% | 5,476 |
| Net loans and leases to core deposits | 60.7976% | 4,933 |
| Total domestic deposits to total assets | 86.2713% | 2,786 |
| Equity capital to assets | 11.4154% | 2,547 |
| Core capital (leverage) ratio | 10.7913% | 2,636 |
| Tier 1 risk-based capital ratio | 22.0744% | 1,229 |
| Total risk-based capital ratio | 23.7932% | 1,153 |
| Memoranda: | ||
| Average total assets | $128,015,000 | 4,028 |
| Average earning assets | $114,731,500 | 4,085 |
| Average equity | $14,868,000 | 3,934 |
| Average total loans | $56,953,000 | 4,579 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8590% | 4,285 |
| Cost of funding earning assets | 0.2664% | 5,143 |
| Net interest margin | 3.5927% | 3,439 |
| Noninterest income to average assets | 0.6115% | 2,790 |
| Noninterest expense to average assets | 3.2976% | 1,936 |
| Loan and lease loss provision to assets | 0.0971% | 2,529 |
| Net operating income to assets | 0.3826% | 5,281 |
| Return on assets (ROA) | 0.3826% | 5,350 |
| Pretax return on assets | 0.4457% | 5,395 |
| Return on Equity (ROE) | 3.2395% | 5,402 |
| Retained earnings to average equity (ytd only) | 3.2395% | 3,925 |
| Net charge-offs to loans | 0.0845% | 3,289 |
| Credit loss provision to net charge-offs | 244.8980% | 1,040 |
| Earnings coverage of net charge-offs (x) | 13.6939% | 2,249 |
| Efficiency ratio | 85.8677% | 1,187 |
| Assets per employee ($millions) | 3.8286% | 4,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9494% | 1,203 |
| Loan loss allowance to noncurrent loans | 81.0320% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 1.4991% | 1,821 |
| Noncurrent loans to loans | 2.4058% | 1,075 |
| Net loans and leases to total assets | 44.3872% | 5,442 |
| Net loans and leases to deposits | 51.7787% | 5,495 |
| Net loans and leases to core deposits | 60.4908% | 5,103 |
| Total domestic deposits to total assets | 85.7248% | 2,973 |
| Equity capital to assets | 11.8184% | 2,159 |
| Core capital (leverage) ratio | 11.5742% | 1,924 |
| Tier 1 risk-based capital ratio | 21.0689% | 1,390 |
| Total risk-based capital ratio | 22.3224% | 1,360 |
| Memoranda: | ||
| Average total assets | $123,633,600 | 4,110 |
| Average earning assets | $111,115,600 | 4,160 |
| Average equity | $14,601,200 | 3,913 |
| Average total loans | $57,986,600 | 4,550 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9121% | 4,126 |
| Cost of funding earning assets | 0.2696% | 5,205 |
| Net interest margin | 3.6425% | 3,255 |
| Noninterest income to average assets | 0.6268% | 2,706 |
| Noninterest expense to average assets | 3.3388% | 1,820 |
| Loan and lease loss provision to assets | 0.0976% | 2,413 |
| Net operating income to assets | 0.4023% | 5,242 |
| Return on assets (ROA) | 0.4023% | 5,317 |
| Pretax return on assets | 0.4869% | 5,359 |
| Return on Equity (ROE) | 3.4070% | 5,390 |
| Retained earnings to average equity (ytd only) | 3.4070% | 4,196 |
| Net charge-offs to loans | 0.0802% | 3,056 |
| Credit loss provision to net charge-offs | 257.1429% | 1,026 |
| Earnings coverage of net charge-offs (x) | 15.3985% | 2,052 |
| Efficiency ratio | 85.1023% | 1,277 |
| Assets per employee ($millions) | 3.5377% | 4,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8832% | 1,489 |
| Loan loss allowance to noncurrent loans | 66.4251% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 1.7227% | 1,743 |
| Noncurrent loans to loans | 2.8350% | 972 |
| Net loans and leases to total assets | 46.2865% | 5,351 |
| Net loans and leases to deposits | 54.2547% | 5,365 |
| Net loans and leases to core deposits | 66.7529% | 4,637 |
| Total domestic deposits to total assets | 85.3134% | 3,205 |
| Equity capital to assets | 11.9714% | 2,082 |
| Core capital (leverage) ratio | 11.5241% | 2,043 |
| Tier 1 risk-based capital ratio | 20.8048% | 1,490 |
| Total risk-based capital ratio | 22.0591% | 1,461 |
| Memoranda: | ||
| Average total assets | $122,955,750 | 4,159 |
| Average earning assets | $111,275,000 | 4,185 |
| Average equity | $14,518,500 | 3,952 |
| Average total loans | $58,184,250 | 4,583 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8797% | 4,223 |
| Cost of funding earning assets | 0.2712% | 5,274 |
| Net interest margin | 3.6085% | 3,330 |
| Noninterest income to average assets | 0.6473% | 2,559 |
| Noninterest expense to average assets | 3.4304% | 1,612 |
| Loan and lease loss provision to assets | 0.0978% | 2,395 |
| Net operating income to assets | 0.3571% | 5,382 |
| Return on assets (ROA) | 0.3571% | 5,449 |
| Pretax return on assets | 0.3946% | 5,579 |
| Return on Equity (ROE) | 3.0381% | 5,519 |
| Retained earnings to average equity (ytd only) | 3.0381% | 4,275 |
| Net charge-offs to loans | 0.0207% | 3,802 |
| Credit loss provision to net charge-offs | 1,000.0000% | 322 |
| Earnings coverage of net charge-offs (x) | 50.3333% | 906 |
| Efficiency ratio | 87.4480% | 1,138 |
| Assets per employee ($millions) | 3.3256% | 5,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8846% | 1,619 |
| Loan loss allowance to noncurrent loans | 69.0761% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 1.6554% | 1,966 |
| Noncurrent loans to loans | 2.7283% | 1,112 |
| Net loans and leases to total assets | 46.4985% | 5,315 |
| Net loans and leases to deposits | 54.5933% | 5,316 |
| Net loans and leases to core deposits | 67.2860% | 4,523 |
| Total domestic deposits to total assets | 85.1726% | 3,421 |
| Equity capital to assets | 12.0261% | 1,962 |
| Core capital (leverage) ratio | 11.5544% | 1,962 |
| Tier 1 risk-based capital ratio | 21.0291% | 1,441 |
| Total risk-based capital ratio | 22.2840% | 1,416 |
| Memoranda: | ||
| Average total assets | $122,667,670 | 4,184 |
| Average earning assets | $111,349,000 | 4,208 |
| Average equity | $14,417,000 | 3,960 |
| Average total loans | $58,108,330 | 4,610 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9240% | 4,000 |
| Cost of funding earning assets | 0.2741% | 5,343 |
| Net interest margin | 3.6499% | 3,059 |
| Noninterest income to average assets | 0.6826% | 2,270 |
| Noninterest expense to average assets | 3.5174% | 1,455 |
| Loan and lease loss provision to assets | 0.0980% | 2,289 |
| Net operating income to assets | 0.3821% | 5,176 |
| Return on assets (ROA) | 0.3821% | 5,250 |
| Pretax return on assets | 0.3723% | 5,532 |
| Return on Equity (ROE) | 3.2896% | 5,349 |
| Retained earnings to average equity (ytd only) | 3.2896% | 4,146 |
| Net charge-offs to loans | 0.0345% | 2,910 |
| Credit loss provision to net charge-offs | 600.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 28.8000% | 1,076 |
| Efficiency ratio | 88.2064% | 1,208 |
| Assets per employee ($millions) | 3.5113% | 4,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8582% | 1,875 |
| Loan loss allowance to noncurrent loans | 49.6984% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 2.5436% | 1,245 |
| Noncurrent loans to loans | 3.7390% | 751 |
| Net loans and leases to total assets | 46.0263% | 5,333 |
| Net loans and leases to deposits | 53.8519% | 5,303 |
| Net loans and leases to core deposits | 66.0343% | 4,484 |
| Total domestic deposits to total assets | 85.4683% | 3,634 |
| Equity capital to assets | 11.7383% | 2,068 |
| Core capital (leverage) ratio | 11.6261% | 1,882 |
| Tier 1 risk-based capital ratio | 21.2038% | 1,432 |
| Total risk-based capital ratio | 22.3575% | 1,432 |
| Memoranda: | ||
| Average total assets | $122,477,000 | 4,223 |
| Average earning assets | $110,908,500 | 4,251 |
| Average equity | $14,226,500 | 4,006 |
| Average total loans | $58,005,000 | 4,655 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9392% | 4,323 |
| Cost of funding earning assets | 0.3057% | 5,551 |
| Net interest margin | 3.6335% | 3,317 |
| Noninterest income to average assets | 0.7240% | 2,415 |
| Noninterest expense to average assets | 3.2856% | 2,180 |
| Loan and lease loss provision to assets | 0.2279% | 1,596 |
| Net operating income to assets | 0.4084% | 5,118 |
| Return on assets (ROA) | 0.4065% | 5,235 |
| Pretax return on assets | 0.5026% | 5,201 |
| Return on Equity (ROE) | 3.5007% | 5,321 |
| Retained earnings to average equity (ytd only) | 3.5007% | 3,734 |
| Net charge-offs to loans | 0.4488% | 1,479 |
| Credit loss provision to net charge-offs | 115.1020% | 2,099 |
| Earnings coverage of net charge-offs (x) | 3.7020% | 3,776 |
| Efficiency ratio | 81.7615% | 1,912 |
| Assets per employee ($millions) | 3.5899% | 4,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7902% | 2,091 |
| Loan loss allowance to noncurrent loans | 46.3620% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 2.4439% | 1,419 |
| Noncurrent loans to loans | 3.8613% | 769 |
| Net loans and leases to total assets | 46.9690% | 5,402 |
| Net loans and leases to deposits | 54.7168% | 5,406 |
| Net loans and leases to core deposits | 67.4094% | 4,575 |
| Total domestic deposits to total assets | 85.8402% | 3,342 |
| Equity capital to assets | 11.4922% | 2,169 |
| Core capital (leverage) ratio | 11.3815% | 2,048 |
| Tier 1 risk-based capital ratio | 22.5351% | 1,173 |
| Total risk-based capital ratio | 23.7793% | 1,149 |
| Memoranda: | ||
| Average total assets | $123,754,000 | 4,189 |
| Average earning assets | $112,204,600 | 4,216 |
| Average equity | $14,368,600 | 3,993 |
| Average total loans | $54,595,000 | 4,794 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9128% | 4,456 |
| Cost of funding earning assets | 0.3113% | 5,635 |
| Net interest margin | 3.6015% | 3,439 |
| Noninterest income to average assets | 0.7280% | 2,473 |
| Noninterest expense to average assets | 3.2759% | 2,128 |
| Loan and lease loss provision to assets | 0.1417% | 2,518 |
| Net operating income to assets | 0.4528% | 5,016 |
| Return on assets (ROA) | 0.4477% | 5,172 |
| Pretax return on assets | 0.5712% | 5,129 |
| Return on Equity (ROE) | 3.8466% | 5,286 |
| Retained earnings to average equity (ytd only) | 3.8466% | 3,944 |
| Net charge-offs to loans | 0.2137% | 2,545 |
| Credit loss provision to net charge-offs | 153.4884% | 1,537 |
| Earnings coverage of net charge-offs (x) | 7.7909% | 2,732 |
| Efficiency ratio | 81.9941% | 1,826 |
| Assets per employee ($millions) | 3.3671% | 5,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9072% | 1,986 |
| Loan loss allowance to noncurrent loans | 50.4306% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 2.3454% | 1,679 |
| Noncurrent loans to loans | 3.7819% | 967 |
| Net loans and leases to total assets | 44.7210% | 5,655 |
| Net loans and leases to deposits | 52.4590% | 5,677 |
| Net loans and leases to core deposits | 64.9661% | 4,806 |
| Total domestic deposits to total assets | 85.2495% | 3,613 |
| Equity capital to assets | 11.6866% | 2,139 |
| Core capital (leverage) ratio | 11.4536% | 2,081 |
| Tier 1 risk-based capital ratio | 22.7269% | 1,196 |
| Total risk-based capital ratio | 23.9830% | 1,174 |
| Memoranda: | ||
| Average total assets | $124,178,250 | 4,222 |
| Average earning assets | $112,654,500 | 4,248 |
| Average equity | $14,454,000 | 4,024 |
| Average total loans | $53,650,250 | 4,865 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8758% | 4,565 |
| Cost of funding earning assets | 0.3174% | 5,692 |
| Net interest margin | 3.5584% | 3,523 |
| Noninterest income to average assets | 0.7478% | 2,425 |
| Noninterest expense to average assets | 3.3476% | 1,944 |
| Loan and lease loss provision to assets | 0.1470% | 2,494 |
| Net operating income to assets | 0.3881% | 5,257 |
| Return on assets (ROA) | 0.3803% | 5,457 |
| Pretax return on assets | 0.4682% | 5,467 |
| Return on Equity (ROE) | 3.2715% | 5,509 |
| Retained earnings to average equity (ytd only) | 3.2715% | 4,222 |
| Net charge-offs to loans | 0.0941% | 3,423 |
| Credit loss provision to net charge-offs | 368.0000% | 702 |
| Earnings coverage of net charge-offs (x) | 15.6400% | 1,723 |
| Efficiency ratio | 84.2719% | 1,600 |
| Assets per employee ($millions) | 3.1616% | 5,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9944% | 1,859 |
| Loan loss allowance to noncurrent loans | 64.9940% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 1.8150% | 2,392 |
| Noncurrent loans to loans | 3.0686% | 1,449 |
| Net loans and leases to total assets | 42.8413% | 5,832 |
| Net loans and leases to deposits | 50.1533% | 5,828 |
| Net loans and leases to core deposits | 61.8625% | 5,103 |
| Total domestic deposits to total assets | 85.4206% | 3,681 |
| Equity capital to assets | 11.4043% | 2,373 |
| Core capital (leverage) ratio | 10.9096% | 2,443 |
| Tier 1 risk-based capital ratio | 22.7025% | 1,181 |
| Total risk-based capital ratio | 23.9489% | 1,159 |
| Memoranda: | ||
| Average total assets | $125,165,670 | 4,239 |
| Average earning assets | $113,422,670 | 4,263 |
| Average equity | $14,550,000 | 4,035 |
| Average total loans | $53,112,670 | 4,909 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9034% | 4,457 |
| Cost of funding earning assets | 0.3183% | 5,819 |
| Net interest margin | 3.5851% | 3,319 |
| Noninterest income to average assets | 0.7423% | 2,363 |
| Noninterest expense to average assets | 3.2642% | 2,175 |
| Loan and lease loss provision to assets | 0.1015% | 2,982 |
| Net operating income to assets | 0.4875% | 4,741 |
| Return on assets (ROA) | 0.4727% | 4,975 |
| Pretax return on assets | 0.6091% | 4,914 |
| Return on Equity (ROE) | 4.0287% | 5,076 |
| Retained earnings to average equity (ytd only) | 4.0287% | 3,813 |
| Net charge-offs to loans | -0.1290% | 6,548 |
| Credit loss provision to net charge-offs | -188.2353% | 5,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7315% | 2,079 |
| Assets per employee ($millions) | 3.4195% | 5,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9913% | 2,066 |
| Loan loss allowance to noncurrent loans | 67.6264% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 1.8329% | 2,566 |
| Noncurrent loans to loans | 2.9446% | 1,705 |
| Net loans and leases to total assets | 41.1184% | 5,910 |
| Net loans and leases to deposits | 48.5457% | 5,882 |
| Net loans and leases to core deposits | 59.6498% | 5,180 |
| Total domestic deposits to total assets | 84.7004% | 4,181 |
| Equity capital to assets | 11.7396% | 2,225 |
| Core capital (leverage) ratio | 10.8473% | 2,407 |
| Tier 1 risk-based capital ratio | 22.1074% | 1,313 |
| Total risk-based capital ratio | 23.3771% | 1,280 |
| Memoranda: | ||
| Average total assets | $126,096,500 | 4,260 |
| Average earning assets | $114,361,000 | 4,272 |
| Average equity | $14,794,000 | 4,038 |
| Average total loans | $52,719,000 | 4,956 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0303% | 5,217 |
| Cost of funding earning assets | 0.4047% | 5,884 |
| Net interest margin | 3.6256% | 3,985 |
| Noninterest income to average assets | 0.6286% | 3,120 |
| Noninterest expense to average assets | 3.1228% | 2,863 |
| Loan and lease loss provision to assets | 0.1268% | 4,028 |
| Net operating income to assets | 0.4995% | 4,698 |
| Return on assets (ROA) | 0.5590% | 4,691 |
| Pretax return on assets | 0.7260% | 4,573 |
| Return on Equity (ROE) | 4.9020% | 4,720 |
| Retained earnings to average equity (ytd only) | 0.4610% | 5,623 |
| Net charge-offs to loans | 0.7814% | 1,499 |
| Credit loss provision to net charge-offs | 38.6792% | 4,958 |
| Earnings coverage of net charge-offs (x) | 2.3656% | 4,227 |
| Efficiency ratio | 80.1071% | 2,126 |
| Assets per employee ($millions) | 3.5907% | 4,802 |
| Cash dividends to net income (ytd only)* | 90.5947% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9252% | 2,210 |
| Loan loss allowance to noncurrent loans | 58.1315% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 2.0394% | 2,403 |
| Noncurrent loans to loans | 3.3118% | 1,545 |
| Net loans and leases to total assets | 40.8600% | 6,109 |
| Net loans and leases to deposits | 48.3226% | 6,091 |
| Net loans and leases to core deposits | 59.6580% | 5,400 |
| Total domestic deposits to total assets | 84.5567% | 4,061 |
| Equity capital to assets | 11.7249% | 2,249 |
| Core capital (leverage) ratio | 10.4340% | 2,843 |
| Tier 1 risk-based capital ratio | 21.9673% | 1,270 |
| Total risk-based capital ratio | 23.2234% | 1,241 |
| Memoranda: | ||
| Average total assets | $129,338,200 | 4,155 |
| Average earning assets | $116,641,600 | 4,195 |
| Average equity | $14,749,200 | 4,017 |
| Average total loans | $54,262,200 | 4,925 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0513% | 5,358 |
| Cost of funding earning assets | 0.4182% | 6,003 |
| Net interest margin | 3.6331% | 4,083 |
| Noninterest income to average assets | 0.6142% | 3,194 |
| Noninterest expense to average assets | 3.1046% | 2,874 |
| Loan and lease loss provision to assets | 0.1392% | 3,799 |
| Net operating income to assets | 0.4739% | 4,935 |
| Return on assets (ROA) | 0.5497% | 4,884 |
| Pretax return on assets | 0.7452% | 4,690 |
| Return on Equity (ROE) | 4.8532% | 4,893 |
| Retained earnings to average equity (ytd only) | 2.5576% | 5,034 |
| Net charge-offs to loans | 0.9475% | 1,136 |
| Credit loss provision to net charge-offs | 34.9614% | 4,714 |
| Earnings coverage of net charge-offs (x) | 1.9640% | 4,283 |
| Efficiency ratio | 79.8789% | 2,112 |
| Assets per employee ($millions) | 3.7004% | 4,542 |
| Cash dividends to net income (ytd only)* | 47.3002% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8028% | 2,788 |
| Loan loss allowance to noncurrent loans | 62.5661% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 1.7041% | 3,036 |
| Noncurrent loans to loans | 2.8814% | 1,946 |
| Net loans and leases to total assets | 39.7860% | 6,300 |
| Net loans and leases to deposits | 47.1985% | 6,304 |
| Net loans and leases to core deposits | 58.9215% | 5,669 |
| Total domestic deposits to total assets | 84.2950% | 4,079 |
| Equity capital to assets | 11.6390% | 2,608 |
| Core capital (leverage) ratio | 10.6680% | 2,737 |
| Tier 1 risk-based capital ratio | 19.1622% | 1,959 |
| Total risk-based capital ratio | 19.3852% | 2,265 |
| Memoranda: | ||
| Average total assets | $130,254,500 | 4,183 |
| Average earning assets | $117,324,750 | 4,211 |
| Average equity | $14,752,750 | 4,056 |
| Average total loans | $54,738,250 | 4,964 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1304% | 5,196 |
| Cost of funding earning assets | 0.4251% | 6,127 |
| Net interest margin | 3.7053% | 3,791 |
| Noninterest income to average assets | 0.6191% | 3,131 |
| Noninterest expense to average assets | 3.2122% | 2,548 |
| Loan and lease loss provision to assets | 0.1379% | 3,797 |
| Net operating income to assets | 0.4414% | 5,070 |
| Return on assets (ROA) | 0.5532% | 4,848 |
| Pretax return on assets | 0.7617% | 4,599 |
| Return on Equity (ROE) | 4.9298% | 4,840 |
| Retained earnings to average equity (ytd only) | 3.1955% | 4,486 |
| Net charge-offs to loans | 1.3731% | 748 |
| Credit loss provision to net charge-offs | 23.6220% | 4,552 |
| Earnings coverage of net charge-offs (x) | 1.2782% | 4,369 |
| Efficiency ratio | 81.1460% | 2,008 |
| Assets per employee ($millions) | 3.8023% | 4,308 |
| Cash dividends to net income (ytd only)* | 35.1801% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6715% | 3,351 |
| Loan loss allowance to noncurrent loans | 53.6283% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 1.6755% | 3,208 |
| Noncurrent loans to loans | 3.1169% | 1,880 |
| Net loans and leases to total assets | 41.3620% | 6,244 |
| Net loans and leases to deposits | 49.0641% | 6,237 |
| Net loans and leases to core deposits | 61.2832% | 5,463 |
| Total domestic deposits to total assets | 84.3020% | 4,193 |
| Equity capital to assets | 11.5604% | 2,533 |
| Core capital (leverage) ratio | 10.4307% | 2,880 |
| Tier 1 risk-based capital ratio | 18.7259% | 2,058 |
| Total risk-based capital ratio | 18.9432% | 2,365 |
| Memoranda: | ||
| Average total assets | $130,501,670 | 4,197 |
| Average earning assets | $117,615,330 | 4,226 |
| Average equity | $14,645,670 | 4,064 |
| Average total loans | $55,493,000 | 4,968 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2528% | 4,914 |
| Cost of funding earning assets | 0.4327% | 6,239 |
| Net interest margin | 3.8201% | 3,290 |
| Noninterest income to average assets | 0.5613% | 3,487 |
| Noninterest expense to average assets | 3.1088% | 2,891 |
| Loan and lease loss provision to assets | 0.1983% | 2,959 |
| Net operating income to assets | 0.5400% | 4,653 |
| Return on assets (ROA) | 0.5400% | 4,864 |
| Pretax return on assets | 0.7017% | 4,782 |
| Return on Equity (ROE) | 4.8841% | 4,837 |
| Retained earnings to average equity (ytd only) | 4.8841% | 3,619 |
| Net charge-offs to loans | 2.8975% | 255 |
| Credit loss provision to net charge-offs | 16.0099% | 3,832 |
| Earnings coverage of net charge-offs (x) | 0.7266% | 3,973 |
| Efficiency ratio | 77.5495% | 2,559 |
| Assets per employee ($millions) | 3.7244% | 4,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5634% | 3,877 |
| Loan loss allowance to noncurrent loans | 48.3399% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 1.4898% | 3,630 |
| Noncurrent loans to loans | 3.2342% | 1,984 |
| Net loans and leases to total assets | 41.4909% | 6,236 |
| Net loans and leases to deposits | 49.0358% | 6,219 |
| Net loans and leases to core deposits | 60.8599% | 5,448 |
| Total domestic deposits to total assets | 84.6134% | 4,208 |
| Equity capital to assets | 11.2455% | 2,680 |
| Core capital (leverage) ratio | 10.4440% | 2,818 |
| Tier 1 risk-based capital ratio | 22.8535% | 1,149 |
| Total risk-based capital ratio | 23.1198% | 1,283 |
| Memoranda: | ||
| Average total assets | $131,113,500 | 4,209 |
| Average earning assets | $118,322,000 | 4,242 |
| Average equity | $14,496,000 | 4,100 |
| Average total loans | $56,049,000 | 4,979 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2351% | 5,957 |
| Cost of funding earning assets | 0.5846% | 6,164 |
| Net interest margin | 3.6505% | 4,516 |
| Noninterest income to average assets | 0.6655% | 2,806 |
| Noninterest expense to average assets | 3.1601% | 2,999 |
| Loan and lease loss provision to assets | 0.1937% | 4,245 |
| Net operating income to assets | 0.4626% | 4,578 |
| Return on assets (ROA) | 0.4626% | 4,778 |
| Pretax return on assets | 0.6229% | 4,620 |
| Return on Equity (ROE) | 4.4771% | 4,639 |
| Retained earnings to average equity (ytd only) | 4.4771% | 2,983 |
| Net charge-offs to loans | 1.2377% | 1,346 |
| Credit loss provision to net charge-offs | 34.8837% | 5,711 |
| Earnings coverage of net charge-offs (x) | 1.4706% | 4,664 |
| Efficiency ratio | 79.4651% | 2,379 |
| Assets per employee ($millions) | 3.5641% | 4,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0996% | 2,007 |
| Loan loss allowance to noncurrent loans | 53.1915% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 1.8912% | 3,121 |
| Noncurrent loans to loans | 3.9472% | 1,585 |
| Net loans and leases to total assets | 42.4302% | 6,343 |
| Net loans and leases to deposits | 49.9228% | 6,367 |
| Net loans and leases to core deposits | 61.7117% | 5,685 |
| Total domestic deposits to total assets | 84.9916% | 3,855 |
| Equity capital to assets | 10.8688% | 3,121 |
| Core capital (leverage) ratio | 10.3367% | 2,927 |
| Tier 1 risk-based capital ratio | 22.1957% | 1,208 |
| Total risk-based capital ratio | 22.4576% | 1,351 |
| Memoranda: | ||
| Average total assets | $131,639,800 | 4,135 |
| Average earning assets | $119,407,200 | 4,143 |
| Average equity | $13,602,600 | 4,216 |
| Average total loans | $59,058,800 | 4,903 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2449% | 6,098 |
| Cost of funding earning assets | 0.6106% | 6,241 |
| Net interest margin | 3.6344% | 4,640 |
| Noninterest income to average assets | 0.8613% | 1,792 |
| Noninterest expense to average assets | 3.4604% | 2,049 |
| Loan and lease loss provision to assets | 0.2280% | 3,731 |
| Net operating income to assets | 0.2847% | 5,449 |
| Return on assets (ROA) | 0.2847% | 5,619 |
| Pretax return on assets | 0.4783% | 5,231 |
| Return on Equity (ROE) | 2.7918% | 5,506 |
| Retained earnings to average equity (ytd only) | 2.7918% | 4,688 |
| Net charge-offs to loans | 1.5094% | 961 |
| Credit loss provision to net charge-offs | 33.3828% | 5,366 |
| Earnings coverage of net charge-offs (x) | 1.0341% | 4,854 |
| Efficiency ratio | 83.0496% | 1,845 |
| Assets per employee ($millions) | 3.6244% | 4,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1145% | 2,036 |
| Loan loss allowance to noncurrent loans | 56.7268% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 1.8317% | 3,356 |
| Noncurrent loans to loans | 3.7274% | 1,823 |
| Net loans and leases to total assets | 43.5331% | 6,376 |
| Net loans and leases to deposits | 51.3920% | 6,418 |
| Net loans and leases to core deposits | 64.0239% | 5,608 |
| Total domestic deposits to total assets | 84.7080% | 3,909 |
| Equity capital to assets | 10.8024% | 3,351 |
| Core capital (leverage) ratio | 10.0265% | 3,399 |
| Tier 1 risk-based capital ratio | 21.5281% | 1,365 |
| Total risk-based capital ratio | 21.5281% | 1,589 |
| Memoranda: | ||
| Average total assets | $131,581,500 | 4,164 |
| Average earning assets | $119,669,750 | 4,160 |
| Average equity | $13,420,000 | 4,264 |
| Average total loans | $59,535,000 | 4,919 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3039% | 6,011 |
| Cost of funding earning assets | 0.6403% | 6,273 |
| Net interest margin | 3.6636% | 4,446 |
| Noninterest income to average assets | 0.9549% | 1,448 |
| Noninterest expense to average assets | 3.5605% | 1,837 |
| Loan and lease loss provision to assets | 0.2274% | 3,642 |
| Net operating income to assets | 0.2895% | 5,412 |
| Return on assets (ROA) | 0.2895% | 5,550 |
| Pretax return on assets | 0.5063% | 5,050 |
| Return on Equity (ROE) | 2.8950% | 5,437 |
| Retained earnings to average equity (ytd only) | 2.8950% | 4,442 |
| Net charge-offs to loans | 2.2686% | 561 |
| Credit loss provision to net charge-offs | 22.0264% | 5,107 |
| Earnings coverage of net charge-offs (x) | 0.7107% | 4,762 |
| Efficiency ratio | 82.9156% | 1,968 |
| Assets per employee ($millions) | 3.6544% | 4,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9503% | 2,510 |
| Loan loss allowance to noncurrent loans | 72.8372% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 1.4267% | 4,075 |
| Noncurrent loans to loans | 2.6776% | 2,717 |
| Net loans and leases to total assets | 43.7557% | 6,456 |
| Net loans and leases to deposits | 51.4557% | 6,506 |
| Net loans and leases to core deposits | 63.9796% | 5,719 |
| Total domestic deposits to total assets | 85.0357% | 3,862 |
| Equity capital to assets | 10.4036% | 3,633 |
| Core capital (leverage) ratio | 9.4338% | 4,054 |
| Tier 1 risk-based capital ratio | 16.5495% | 2,718 |
| Total risk-based capital ratio | 16.9388% | 3,108 |
| Memoranda: | ||
| Average total assets | $131,948,670 | 4,181 |
| Average earning assets | $120,262,670 | 4,180 |
| Average equity | $13,195,000 | 4,294 |
| Average total loans | $60,037,000 | 4,955 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3222% | 5,942 |
| Cost of funding earning assets | 0.6675% | 6,305 |
| Net interest margin | 3.6547% | 4,303 |
| Noninterest income to average assets | 0.5418% | 3,568 |
| Noninterest expense to average assets | 3.2934% | 2,579 |
| Loan and lease loss provision to assets | 0.2270% | 3,389 |
| Net operating income to assets | 0.0787% | 6,147 |
| Return on assets (ROA) | 0.0787% | 6,202 |
| Pretax return on assets | 0.3693% | 5,439 |
| Return on Equity (ROE) | 0.8032% | 6,193 |
| Retained earnings to average equity (ytd only) | 0.8032% | 5,506 |
| Net charge-offs to loans | 0.0461% | 4,478 |
| Credit loss provision to net charge-offs | 1,071.4286% | 356 |
| Earnings coverage of net charge-offs (x) | 28.1429% | 870 |
| Efficiency ratio | 84.6693% | 1,876 |
| Assets per employee ($millions) | 3.7336% | 4,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8980% | 1,008 |
| Loan loss allowance to noncurrent loans | 97.3214% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 1.6249% | 3,811 |
| Noncurrent loans to loans | 2.9778% | 2,522 |
| Net loans and leases to total assets | 43.4758% | 6,510 |
| Net loans and leases to deposits | 50.5222% | 6,584 |
| Net loans and leases to core deposits | 62.5569% | 5,872 |
| Total domestic deposits to total assets | 86.0529% | 3,494 |
| Equity capital to assets | 9.6706% | 4,220 |
| Core capital (leverage) ratio | 9.6898% | 3,540 |
| Tier 1 risk-based capital ratio | 16.0891% | 2,863 |
| Total risk-based capital ratio | 17.1855% | 2,905 |
| Memoranda: | ||
| Average total assets | $132,143,000 | 4,206 |
| Average earning assets | $121,050,000 | 4,199 |
| Average equity | $12,949,000 | 4,345 |
| Average total loans | $60,700,500 | 4,977 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4774% | 6,452 |
| Cost of funding earning assets | 0.8571% | 6,346 |
| Net interest margin | 3.6202% | 4,718 |
| Noninterest income to average assets | 0.4979% | 4,188 |
| Noninterest expense to average assets | 3.3271% | 2,651 |
| Loan and lease loss provision to assets | 0.1721% | 5,501 |
| Net operating income to assets | 0.3235% | 4,857 |
| Return on assets (ROA) | 0.4130% | 4,624 |
| Pretax return on assets | 0.3671% | 5,037 |
| Return on Equity (ROE) | 4.1640% | 4,450 |
| Retained earnings to average equity (ytd only) | 4.1640% | 2,932 |
| Net charge-offs to loans | 0.4499% | 3,813 |
| Credit loss provision to net charge-offs | 79.7872% | 5,565 |
| Earnings coverage of net charge-offs (x) | 2.0851% | 4,155 |
| Efficiency ratio | 88.0923% | 1,477 |
| Assets per employee ($millions) | 3.9357% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7376% | 1,129 |
| Loan loss allowance to noncurrent loans | 215.4242% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.9370% | 5,134 |
| Noncurrent loans to loans | 1.2708% | 4,595 |
| Net loans and leases to total assets | 45.8476% | 6,567 |
| Net loans and leases to deposits | 53.5731% | 6,639 |
| Net loans and leases to core deposits | 66.3628% | 5,838 |
| Total domestic deposits to total assets | 85.5795% | 3,564 |
| Equity capital to assets | 9.9324% | 3,836 |
| Core capital (leverage) ratio | 9.7229% | 3,406 |
| Tier 1 risk-based capital ratio | 16.1595% | 2,668 |
| Total risk-based capital ratio | 17.1356% | 2,761 |
| Memoranda: | ||
| Average total assets | $130,742,800 | 4,244 |
| Average earning assets | $118,417,400 | 4,266 |
| Average equity | $12,968,400 | 4,367 |
| Average total loans | $62,684,000 | 4,966 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5124% | 6,581 |
| Cost of funding earning assets | 0.8898% | 6,436 |
| Net interest margin | 3.6225% | 4,771 |
| Noninterest income to average assets | 0.5091% | 4,106 |
| Noninterest expense to average assets | 3.3699% | 2,373 |
| Loan and lease loss provision to assets | 0.1782% | 5,259 |
| Net operating income to assets | 0.2037% | 5,500 |
| Return on assets (ROA) | 0.3085% | 5,305 |
| Pretax return on assets | 0.3502% | 5,368 |
| Return on Equity (ROE) | 3.1111% | 5,182 |
| Retained earnings to average equity (ytd only) | 3.1111% | 4,263 |
| Net charge-offs to loans | 0.5118% | 3,242 |
| Credit loss provision to net charge-offs | 72.3140% | 5,358 |
| Earnings coverage of net charge-offs (x) | 1.6612% | 4,461 |
| Efficiency ratio | 89.1703% | 1,350 |
| Assets per employee ($millions) | 3.5724% | 4,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6324% | 1,163 |
| Loan loss allowance to noncurrent loans | 161.7476% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 1.4159% | 4,328 |
| Noncurrent loans to loans | 1.6275% | 4,208 |
| Net loans and leases to total assets | 47.9146% | 6,530 |
| Net loans and leases to deposits | 55.4609% | 6,651 |
| Net loans and leases to core deposits | 68.3050% | 5,908 |
| Total domestic deposits to total assets | 86.3935% | 2,857 |
| Equity capital to assets | 10.2886% | 3,786 |
| Core capital (leverage) ratio | 9.6543% | 3,679 |
| Tier 1 risk-based capital ratio | 16.7343% | 2,443 |
| Total risk-based capital ratio | 17.8206% | 2,483 |
| Memoranda: | ||
| Average total assets | $130,959,000 | 4,302 |
| Average earning assets | $118,219,500 | 4,330 |
| Average equity | $12,985,500 | 4,446 |
| Average total loans | $63,049,500 | 5,020 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5436% | 6,607 |
| Cost of funding earning assets | 0.9277% | 6,471 |
| Net interest margin | 3.6159% | 4,749 |
| Noninterest income to average assets | 0.4995% | 4,128 |
| Noninterest expense to average assets | 3.3292% | 2,467 |
| Loan and lease loss provision to assets | 0.2277% | 4,628 |
| Net operating income to assets | 0.1412% | 5,747 |
| Return on assets (ROA) | 0.1412% | 5,861 |
| Pretax return on assets | 0.1852% | 5,801 |
| Return on Equity (ROE) | 1.4415% | 5,821 |
| Retained earnings to average equity (ytd only) | 1.4415% | 5,155 |
| Net charge-offs to loans | 0.1810% | 4,522 |
| Credit loss provision to net charge-offs | 263.1579% | 1,443 |
| Earnings coverage of net charge-offs (x) | 4.7719% | 2,848 |
| Efficiency ratio | 88.9655% | 1,419 |
| Assets per employee ($millions) | 3.6734% | 4,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9534% | 861 |
| Loan loss allowance to noncurrent loans | 168.4502% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 1.4390% | 4,310 |
| Noncurrent loans to loans | 1.7533% | 4,053 |
| Net loans and leases to total assets | 45.3725% | 6,818 |
| Net loans and leases to deposits | 52.3062% | 6,959 |
| Net loans and leases to core deposits | 64.9530% | 6,318 |
| Total domestic deposits to total assets | 86.7439% | 2,682 |
| Equity capital to assets | 9.8245% | 4,238 |
| Core capital (leverage) ratio | 9.4457% | 3,903 |
| Tier 1 risk-based capital ratio | 17.3018% | 2,168 |
| Total risk-based capital ratio | 18.5476% | 2,135 |
| Memoranda: | ||
| Average total assets | $131,742,670 | 4,303 |
| Average earning assets | $118,143,670 | 4,363 |
| Average equity | $12,903,330 | 4,457 |
| Average total loans | $62,970,000 | 5,062 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7372% | 6,122 |
| Cost of funding earning assets | 0.9889% | 6,426 |
| Net interest margin | 3.7483% | 4,018 |
| Noninterest income to average assets | 0.6327% | 3,061 |
| Noninterest expense to average assets | 3.4496% | 2,110 |
| Loan and lease loss provision to assets | 0.2281% | 4,216 |
| Net operating income to assets | 0.2008% | 5,689 |
| Return on assets (ROA) | 0.2008% | 5,807 |
| Pretax return on assets | 0.2525% | 5,740 |
| Return on Equity (ROE) | 2.0530% | 5,740 |
| Retained earnings to average equity (ytd only) | 2.0530% | 4,895 |
| Net charge-offs to loans | 0.0252% | 5,220 |
| Credit loss provision to net charge-offs | 1,875.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 39.5000% | 697 |
| Efficiency ratio | 87.7709% | 1,608 |
| Assets per employee ($millions) | 3.5329% | 4,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8504% | 935 |
| Loan loss allowance to noncurrent loans | 148.4774% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 1.6241% | 4,052 |
| Noncurrent loans to loans | 1.9198% | 3,902 |
| Net loans and leases to total assets | 47.0360% | 6,749 |
| Net loans and leases to deposits | 54.8758% | 6,856 |
| Net loans and leases to core deposits | 67.4814% | 6,151 |
| Total domestic deposits to total assets | 85.7136% | 3,303 |
| Equity capital to assets | 9.8371% | 4,067 |
| Core capital (leverage) ratio | 9.4881% | 3,791 |
| Tier 1 risk-based capital ratio | 17.0401% | 2,258 |
| Total risk-based capital ratio | 18.3094% | 2,200 |
| Memoranda: | ||
| Average total assets | $131,493,500 | 4,371 |
| Average earning assets | $115,679,500 | 4,479 |
| Average equity | $12,859,000 | 4,507 |
| Average total loans | $63,541,500 | 5,110 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0503% | 6,260 |
| Cost of funding earning assets | 1.3929% | 5,961 |
| Net interest margin | 3.6574% | 4,322 |
| Noninterest income to average assets | 0.4133% | 5,095 |
| Noninterest expense to average assets | 3.4256% | 2,596 |
| Loan and lease loss provision to assets | 0.5703% | 3,526 |
| Net operating income to assets | -0.0639% | 5,608 |
| Return on assets (ROA) | -0.0334% | 5,584 |
| Pretax return on assets | -0.2571% | 5,783 |
| Return on Equity (ROE) | -0.3462% | 5,593 |
| Retained earnings to average equity (ytd only) | -0.3462% | 5,040 |
| Net charge-offs to loans | 0.9775% | 2,453 |
| Credit loss provision to net charge-offs | 116.5891% | 4,649 |
| Earnings coverage of net charge-offs (x) | 0.5426% | 5,569 |
| Efficiency ratio | 92.8087% | 1,499 |
| Assets per employee ($millions) | 3.6741% | 4,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7166% | 1,002 |
| Loan loss allowance to noncurrent loans | 164.4213% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 1.4728% | 4,184 |
| Noncurrent loans to loans | 1.6522% | 4,173 |
| Net loans and leases to total assets | 46.9206% | 6,902 |
| Net loans and leases to deposits | 54.6971% | 7,007 |
| Net loans and leases to core deposits | 79.7085% | 6,131 |
| Total domestic deposits to total assets | 85.7827% | 3,116 |
| Equity capital to assets | 9.7219% | 4,115 |
| Core capital (leverage) ratio | 8.7639% | 4,815 |
| Tier 1 risk-based capital ratio | 15.9483% | 2,545 |
| Total risk-based capital ratio | 17.2167% | 2,465 |
| Memoranda: | ||
| Average total assets | $131,859,200 | 4,304 |
| Average earning assets | $118,171,200 | 4,353 |
| Average equity | $12,710,400 | 4,587 |
| Average total loans | $65,987,200 | 5,016 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0358% | 6,495 |
| Cost of funding earning assets | 1.4628% | 5,988 |
| Net interest margin | 3.5730% | 4,579 |
| Noninterest income to average assets | 0.3643% | 5,589 |
| Noninterest expense to average assets | 3.5246% | 2,215 |
| Loan and lease loss provision to assets | 0.5697% | 3,106 |
| Net operating income to assets | -0.5151% | 6,445 |
| Return on assets (ROA) | -0.4513% | 6,380 |
| Pretax return on assets | -0.4432% | 6,242 |
| Return on Equity (ROE) | -4.6922% | 6,414 |
| Retained earnings to average equity (ytd only) | -4.6922% | 6,213 |
| Net charge-offs to loans | 1.2685% | 1,619 |
| Credit loss provision to net charge-offs | 88.9415% | 5,510 |
| Earnings coverage of net charge-offs (x) | 0.0979% | 5,944 |
| Efficiency ratio | 98.2511% | 1,152 |
| Assets per employee ($millions) | 3.6803% | 4,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4812% | 1,083 |
| Loan loss allowance to noncurrent loans | 95.6950% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 1.9526% | 3,414 |
| Noncurrent loans to loans | 2.5928% | 2,913 |
| Net loans and leases to total assets | 46.1582% | 7,101 |
| Net loans and leases to deposits | 53.7574% | 7,228 |
| Net loans and leases to core deposits | 77.8044% | 6,510 |
| Total domestic deposits to total assets | 85.8638% | 2,770 |
| Equity capital to assets | 9.4573% | 4,803 |
| Core capital (leverage) ratio | 8.6487% | 5,226 |
| Tier 1 risk-based capital ratio | 15.9783% | 2,634 |
| Total risk-based capital ratio | 17.2436% | 2,562 |
| Memoranda: | ||
| Average total assets | $131,757,000 | 4,329 |
| Average earning assets | $118,851,750 | 4,368 |
| Average equity | $12,673,250 | 4,610 |
| Average total loans | $66,535,500 | 5,040 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1028% | 6,425 |
| Cost of funding earning assets | 1.5284% | 6,022 |
| Net interest margin | 3.5743% | 4,474 |
| Noninterest income to average assets | 0.3559% | 5,659 |
| Noninterest expense to average assets | 3.3731% | 2,711 |
| Loan and lease loss provision to assets | 0.7421% | 2,205 |
| Net operating income to assets | -0.5779% | 6,631 |
| Return on assets (ROA) | -0.5779% | 6,641 |
| Pretax return on assets | -0.5657% | 6,492 |
| Return on Equity (ROE) | -5.9744% | 6,707 |
| Retained earnings to average equity (ytd only) | -5.9744% | 6,445 |
| Net charge-offs to loans | 1.4953% | 1,269 |
| Credit loss provision to net charge-offs | 96.2525% | 4,734 |
| Earnings coverage of net charge-offs (x) | 0.2288% | 5,444 |
| Efficiency ratio | 95.0300% | 1,438 |
| Assets per employee ($millions) | 3.7566% | 4,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5188% | 881 |
| Loan loss allowance to noncurrent loans | 71.5494% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 2.7811% | 2,312 |
| Noncurrent loans to loans | 3.5204% | 1,988 |
| Net loans and leases to total assets | 45.9878% | 7,193 |
| Net loans and leases to deposits | 53.4594% | 7,310 |
| Net loans and leases to core deposits | 75.9059% | 6,683 |
| Total domestic deposits to total assets | 86.0237% | 2,780 |
| Equity capital to assets | 9.2327% | 4,962 |
| Core capital (leverage) ratio | 8.5648% | 5,323 |
| Tier 1 risk-based capital ratio | 15.6177% | 2,762 |
| Total risk-based capital ratio | 16.8527% | 2,700 |
| Memoranda: | ||
| Average total assets | $131,512,670 | 4,361 |
| Average earning assets | $117,504,670 | 4,430 |
| Average equity | $12,721,000 | 4,620 |
| Average total loans | $67,810,330 | 5,036 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3224% | 5,798 |
| Cost of funding earning assets | 1.6387% | 5,866 |
| Net interest margin | 3.6837% | 3,970 |
| Noninterest income to average assets | 0.2777% | 6,201 |
| Noninterest expense to average assets | 3.2426% | 2,825 |
| Loan and lease loss provision to assets | 0.9256% | 1,398 |
| Net operating income to assets | -0.6911% | 7,048 |
| Return on assets (ROA) | -0.6911% | 7,085 |
| Pretax return on assets | -0.5893% | 6,893 |
| Return on Equity (ROE) | -6.9790% | 7,145 |
| Retained earnings to average equity (ytd only) | -6.9790% | 6,791 |
| Net charge-offs to loans | 0.7219% | 1,747 |
| Credit loss provision to net charge-offs | 238.0952% | 1,951 |
| Earnings coverage of net charge-offs (x) | 0.8651% | 4,330 |
| Efficiency ratio | 90.6034% | 1,680 |
| Assets per employee ($millions) | 3.8667% | 3,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6953% | 632 |
| Loan loss allowance to noncurrent loans | 55.8313% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 3.1906% | 1,743 |
| Noncurrent loans to loans | 4.8275% | 1,145 |
| Net loans and leases to total assets | 48.0179% | 7,019 |
| Net loans and leases to deposits | 54.8689% | 7,231 |
| Net loans and leases to core deposits | 80.0266% | 6,380 |
| Total domestic deposits to total assets | 87.5138% | 1,961 |
| Equity capital to assets | 9.3983% | 4,811 |
| Core capital (leverage) ratio | 9.1019% | 4,549 |
| Tier 1 risk-based capital ratio | 16.0929% | 2,657 |
| Total risk-based capital ratio | 17.1961% | 2,647 |
| Memoranda: | ||
| Average total assets | $129,651,000 | 4,414 |
| Average earning assets | $116,187,500 | 4,476 |
| Average equity | $12,838,500 | 4,618 |
| Average total loans | $69,816,000 | 4,989 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5201% | 2,865 |
| Cost of funding earning assets | 2.2132% | 5,541 |
| Net interest margin | 4.3068% | 1,949 |
| Noninterest income to average assets | 0.4888% | 4,704 |
| Noninterest expense to average assets | 3.2542% | 3,138 |
| Loan and lease loss provision to assets | 1.4775% | 918 |
| Net operating income to assets | -0.1192% | 6,519 |
| Return on assets (ROA) | -0.1192% | 6,373 |
| Pretax return on assets | -0.3767% | 6,528 |
| Return on Equity (ROE) | -1.1712% | 6,385 |
| Retained earnings to average equity (ytd only) | -3.1413% | 6,139 |
| Net charge-offs to loans | 1.3340% | 885 |
| Credit loss provision to net charge-offs | 176.1770% | 2,879 |
| Earnings coverage of net charge-offs (x) | 1.3126% | 5,469 |
| Efficiency ratio | 74.7235% | 3,457 |
| Assets per employee ($millions) | 3.7566% | 4,046 |
| Cash dividends to net income (ytd only)* | -168.2119% | 8,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2320% | 917 |
| Loan loss allowance to noncurrent loans | 64.4726% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 3.1129% | 1,472 |
| Noncurrent loans to loans | 3.4620% | 1,470 |
| Net loans and leases to total assets | 57.4515% | 6,278 |
| Net loans and leases to deposits | 66.6754% | 6,597 |
| Net loans and leases to core deposits | 96.6705% | 5,187 |
| Total domestic deposits to total assets | 86.1659% | 2,331 |
| Equity capital to assets | 10.4526% | 3,553 |
| Core capital (leverage) ratio | 9.7276% | 3,732 |
| Tier 1 risk-based capital ratio | 15.9564% | 2,681 |
| Total risk-based capital ratio | 17.2163% | 2,624 |
| Memoranda: | ||
| Average total assets | $126,635,000 | 4,359 |
| Average earning assets | $113,680,000 | 4,429 |
| Average equity | $12,892,800 | 4,605 |
| Average total loans | $79,608,600 | 4,531 |