Home > The Bank of Santa Barbara > Performance and Condition Ratios
The Bank of Santa Barbara, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7288% | 1,050 |
| Cost of funding earning assets | 0.3238% | 3,977 |
| Net interest margin | 4.4051% | 788 |
| Noninterest income to average assets | 0.3339% | 4,511 |
| Noninterest expense to average assets | 4.4534% | 423 |
| Loan and lease loss provision to assets | 0.4170% | 315 |
| Net operating income to assets | -0.4883% | 6,043 |
| Return on assets (ROA) | -0.4883% | 6,051 |
| Pretax return on assets | -0.6100% | 6,061 |
| Return on Equity (ROE) | -5.3458% | 6,053 |
| Retained earnings to average equity (ytd only) | -5.4635% | 5,936 |
| Net charge-offs to loans | 0.5678% | 430 |
| Credit loss provision to net charge-offs | 97.8752% | 2,598 |
| Earnings coverage of net charge-offs (x) | -0.4529% | 4,305 |
| Efficiency ratio | 104.5292% | 203 |
| Assets per employee ($millions) | 4.7931% | 2,616 |
| Cash dividends to net income (ytd only)* | -2.2016% | 6,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 2,948 |
| Loan loss allowance to noncurrent loans | 253.8997% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.4049% | 3,977 |
| Noncurrent loans to loans | 0.5092% | 3,658 |
| Net loans and leases to total assets | 78.4888% | 1,058 |
| Net loans and leases to deposits | 87.1833% | 1,980 |
| Net loans and leases to core deposits | 102.0491% | 1,358 |
| Total domestic deposits to total assets | 90.0273% | 621 |
| Equity capital to assets | 8.6385% | 5,435 |
| Core capital (leverage) ratio | 7.7993% | 5,911 |
| Tier 1 risk-based capital ratio | 8.9244% | 6,110 |
| Total risk-based capital ratio | 10.1280% | 6,104 |
| Memoranda: | ||
| Average total assets | $176,720,800 | 3,208 |
| Average earning assets | $157,522,600 | 3,289 |
| Average equity | $16,143,600 | 3,653 |
| Average total loans | $132,619,000 | 2,849 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7512% | 1,013 |
| Cost of funding earning assets | 0.3239% | 4,064 |
| Net interest margin | 4.4273% | 754 |
| Noninterest income to average assets | 0.3308% | 4,577 |
| Noninterest expense to average assets | 4.3775% | 447 |
| Loan and lease loss provision to assets | -0.3247% | 6,164 |
| Net operating income to assets | 0.2107% | 5,656 |
| Return on assets (ROA) | 0.2107% | 5,720 |
| Pretax return on assets | 0.2107% | 5,776 |
| Return on Equity (ROE) | 2.2752% | 5,614 |
| Retained earnings to average equity (ytd only) | 2.1610% | 4,803 |
| Net charge-offs to loans | -0.4096% | 6,129 |
| Credit loss provision to net charge-offs | 107.2319% | 2,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6745% | 244 |
| Assets per employee ($millions) | 4.4349% | 3,118 |
| Cash dividends to net income (ytd only)* | 5.0190% | 3,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3502% | 2,849 |
| Loan loss allowance to noncurrent loans | 1,190.7895% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 5,419 |
| Noncurrent loans to loans | 0.1134% | 5,176 |
| Net loans and leases to total assets | 72.7313% | 1,949 |
| Net loans and leases to deposits | 81.0755% | 2,760 |
| Net loans and leases to core deposits | 91.3208% | 2,332 |
| Total domestic deposits to total assets | 89.7080% | 688 |
| Equity capital to assets | 8.9550% | 5,350 |
| Core capital (leverage) ratio | 8.7808% | 5,256 |
| Tier 1 risk-based capital ratio | 9.9411% | 6,058 |
| Total risk-based capital ratio | 11.1919% | 6,018 |
| Memoranda: | ||
| Average total assets | $176,564,750 | 3,241 |
| Average earning assets | $156,840,750 | 3,334 |
| Average equity | $16,349,500 | 3,654 |
| Average total loans | $130,519,000 | 2,897 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7306% | 1,014 |
| Cost of funding earning assets | 0.3290% | 4,065 |
| Net interest margin | 4.4016% | 760 |
| Noninterest income to average assets | 0.3570% | 4,402 |
| Noninterest expense to average assets | 4.1565% | 575 |
| Loan and lease loss provision to assets | -0.5091% | 6,275 |
| Net operating income to assets | 0.6430% | 4,155 |
| Return on assets (ROA) | 0.6430% | 4,262 |
| Pretax return on assets | 0.6430% | 4,846 |
| Return on Equity (ROE) | 6.8655% | 3,690 |
| Retained earnings to average equity (ytd only) | 6.7556% | 1,815 |
| Net charge-offs to loans | -0.5660% | 6,214 |
| Credit loss provision to net charge-offs | 121.5847% | 1,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8800% | 409 |
| Assets per employee ($millions) | 4.0626% | 3,759 |
| Cash dividends to net income (ytd only)* | 1.6014% | 3,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3508% | 2,981 |
| Loan loss allowance to noncurrent loans | 1,135.4839% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 5,528 |
| Noncurrent loans to loans | 0.1190% | 5,286 |
| Net loans and leases to total assets | 70.3082% | 2,271 |
| Net loans and leases to deposits | 84.9639% | 2,193 |
| Net loans and leases to core deposits | 93.2664% | 2,031 |
| Total domestic deposits to total assets | 82.7506% | 4,047 |
| Equity capital to assets | 9.0609% | 5,178 |
| Core capital (leverage) ratio | 8.5952% | 5,445 |
| Tier 1 risk-based capital ratio | 10.1212% | 6,052 |
| Total risk-based capital ratio | 11.3391% | 6,009 |
| Memoranda: | ||
| Average total assets | $174,809,330 | 3,284 |
| Average earning assets | $156,215,330 | 3,359 |
| Average equity | $16,371,670 | 3,661 |
| Average total loans | $129,339,330 | 2,926 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7409% | 963 |
| Cost of funding earning assets | 0.3166% | 4,260 |
| Net interest margin | 4.4243% | 696 |
| Noninterest income to average assets | 0.4918% | 3,337 |
| Noninterest expense to average assets | 4.2505% | 524 |
| Loan and lease loss provision to assets | -1.0421% | 6,385 |
| Net operating income to assets | 1.3091% | 1,243 |
| Return on assets (ROA) | 1.3091% | 1,333 |
| Pretax return on assets | 1.3091% | 2,249 |
| Return on Equity (ROE) | 13.7389% | 931 |
| Retained earnings to average equity (ytd only) | 13.6160% | 390 |
| Net charge-offs to loans | -1.1361% | 6,329 |
| Credit loss provision to net charge-offs | 121.5847% | 1,430 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0902% | 593 |
| Assets per employee ($millions) | 4.0329% | 3,893 |
| Cash dividends to net income (ytd only)* | 0.8945% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3882% | 2,969 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0882% | 5,586 |
| Noncurrent loans to loans | 0.1262% | 5,323 |
| Net loans and leases to total assets | 68.8899% | 2,304 |
| Net loans and leases to deposits | 83.3624% | 2,158 |
| Net loans and leases to core deposits | 94.7136% | 1,714 |
| Total domestic deposits to total assets | 82.6390% | 4,294 |
| Equity capital to assets | 9.1244% | 5,167 |
| Core capital (leverage) ratio | 9.2298% | 4,676 |
| Tier 1 risk-based capital ratio | 10.7004% | 5,937 |
| Total risk-based capital ratio | 11.9556% | 5,862 |
| Memoranda: | ||
| Average total assets | $170,805,000 | 3,347 |
| Average earning assets | $155,414,000 | 3,387 |
| Average equity | $16,275,000 | 3,702 |
| Average total loans | $128,861,000 | 2,927 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8717% | 971 |
| Cost of funding earning assets | 0.3351% | 4,433 |
| Net interest margin | 4.5366% | 701 |
| Noninterest income to average assets | 0.3633% | 4,491 |
| Noninterest expense to average assets | 4.4950% | 464 |
| Loan and lease loss provision to assets | 0.3396% | 568 |
| Net operating income to assets | -0.4165% | 6,278 |
| Return on assets (ROA) | -0.4165% | 6,278 |
| Pretax return on assets | -0.4165% | 6,259 |
| Return on Equity (ROE) | -4.0980% | 6,271 |
| Retained earnings to average equity (ytd only) | -4.2149% | 6,145 |
| Net charge-offs to loans | 0.2108% | 1,978 |
| Credit loss provision to net charge-offs | 214.6245% | 1,154 |
| Earnings coverage of net charge-offs (x) | -0.4862% | 4,764 |
| Efficiency ratio | 101.7410% | 332 |
| Assets per employee ($millions) | 3.6378% | 4,648 |
| Cash dividends to net income (ytd only)* | -2.8529% | 6,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4533% | 2,678 |
| Loan loss allowance to noncurrent loans | 1,028.6486% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.1156% | 5,566 |
| Noncurrent loans to loans | 0.1413% | 5,331 |
| Net loans and leases to total assets | 80.6154% | 658 |
| Net loans and leases to deposits | 94.8550% | 1,008 |
| Net loans and leases to core deposits | 102.1946% | 1,234 |
| Total domestic deposits to total assets | 84.9880% | 3,284 |
| Equity capital to assets | 9.9497% | 4,178 |
| Core capital (leverage) ratio | 8.5010% | 5,560 |
| Tier 1 risk-based capital ratio | 9.3059% | 6,379 |
| Total risk-based capital ratio | 10.5566% | 6,357 |
| Memoranda: | ||
| Average total assets | $159,909,400 | 3,492 |
| Average earning assets | $142,926,200 | 3,554 |
| Average equity | $16,252,000 | 3,636 |
| Average total loans | $119,990,600 | 3,040 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9331% | 870 |
| Cost of funding earning assets | 0.3395% | 4,467 |
| Net interest margin | 4.5936% | 624 |
| Noninterest income to average assets | 0.4053% | 4,209 |
| Noninterest expense to average assets | 4.4068% | 503 |
| Loan and lease loss provision to assets | 0.3444% | 517 |
| Net operating income to assets | -0.2836% | 6,307 |
| Return on assets (ROA) | -0.2836% | 6,303 |
| Pretax return on assets | -0.2836% | 6,284 |
| Return on Equity (ROE) | -2.7754% | 6,308 |
| Retained earnings to average equity (ytd only) | -2.8897% | 6,135 |
| Net charge-offs to loans | -0.1774% | 6,285 |
| Credit loss provision to net charge-offs | -264.7436% | 5,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6373% | 411 |
| Assets per employee ($millions) | 4.0529% | 3,770 |
| Cash dividends to net income (ytd only)* | -4.1185% | 6,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8273% | 1,639 |
| Loan loss allowance to noncurrent loans | 160.0880% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.9911% | 2,972 |
| Noncurrent loans to loans | 1.1414% | 2,776 |
| Net loans and leases to total assets | 68.8685% | 2,395 |
| Net loans and leases to deposits | 78.8907% | 2,850 |
| Net loans and leases to core deposits | 89.4817% | 2,274 |
| Total domestic deposits to total assets | 87.2961% | 2,158 |
| Equity capital to assets | 9.5381% | 4,746 |
| Core capital (leverage) ratio | 8.3126% | 5,831 |
| Tier 1 risk-based capital ratio | 10.1611% | 6,308 |
| Total risk-based capital ratio | 11.4116% | 6,270 |
| Memoranda: | ||
| Average total assets | $159,870,500 | 3,517 |
| Average earning assets | $141,382,500 | 3,605 |
| Average equity | $16,333,500 | 3,645 |
| Average total loans | $117,253,250 | 3,114 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8964% | 915 |
| Cost of funding earning assets | 0.3337% | 4,600 |
| Net interest margin | 4.5628% | 620 |
| Noninterest income to average assets | 0.3197% | 4,858 |
| Noninterest expense to average assets | 4.3601% | 522 |
| Loan and lease loss provision to assets | 0.5281% | 279 |
| Net operating income to assets | -0.4769% | 6,431 |
| Return on assets (ROA) | -0.4769% | 6,429 |
| Pretax return on assets | -0.4769% | 6,412 |
| Return on Equity (ROE) | -4.5582% | 6,420 |
| Retained earnings to average equity (ytd only) | -4.6682% | 6,212 |
| Net charge-offs to loans | -0.2986% | 6,431 |
| Credit loss provision to net charge-offs | -237.3563% | 5,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8406% | 434 |
| Assets per employee ($millions) | 3.6106% | 4,631 |
| Cash dividends to net income (ytd only)* | -2.4129% | 6,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8350% | 1,740 |
| Loan loss allowance to noncurrent loans | 149.1525% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 1.1324% | 2,812 |
| Noncurrent loans to loans | 1.2303% | 2,773 |
| Net loans and leases to total assets | 74.0791% | 1,431 |
| Net loans and leases to deposits | 85.6997% | 1,854 |
| Net loans and leases to core deposits | 92.2428% | 1,924 |
| Total domestic deposits to total assets | 86.4403% | 2,795 |
| Equity capital to assets | 10.1890% | 3,845 |
| Core capital (leverage) ratio | 9.1370% | 4,833 |
| Tier 1 risk-based capital ratio | 10.3167% | 6,304 |
| Total risk-based capital ratio | 11.5717% | 6,259 |
| Memoranda: | ||
| Average total assets | $156,419,670 | 3,588 |
| Average earning assets | $140,265,670 | 3,643 |
| Average equity | $16,366,000 | 3,640 |
| Average total loans | $116,533,670 | 3,125 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6237% | 1,441 |
| Cost of funding earning assets | 0.3541% | 4,501 |
| Net interest margin | 4.2696% | 1,064 |
| Noninterest income to average assets | 0.3583% | 4,522 |
| Noninterest expense to average assets | 4.4563% | 478 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.2758% | 6,387 |
| Return on assets (ROA) | -0.2758% | 6,388 |
| Pretax return on assets | -0.2758% | 6,379 |
| Return on Equity (ROE) | -2.6010% | 6,385 |
| Retained earnings to average equity (ytd only) | -2.7225% | 5,934 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.5968% | 324 |
| Assets per employee ($millions) | 3.9281% | 4,086 |
| Cash dividends to net income (ytd only)* | -4.6729% | 6,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 3,830 |
| Loan loss allowance to noncurrent loans | 80.3287% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 1.4842% | 2,377 |
| Noncurrent loans to loans | 1.6862% | 2,301 |
| Net loans and leases to total assets | 74.7640% | 1,157 |
| Net loans and leases to deposits | 86.7850% | 1,495 |
| Net loans and leases to core deposits | 93.5116% | 1,596 |
| Total domestic deposits to total assets | 86.1486% | 3,281 |
| Equity capital to assets | 10.4522% | 3,295 |
| Core capital (leverage) ratio | 9.3878% | 4,439 |
| Tier 1 risk-based capital ratio | 10.4358% | 6,351 |
| Total risk-based capital ratio | 11.6049% | 6,336 |
| Memoranda: | ||
| Average total assets | $155,195,500 | 3,632 |
| Average earning assets | $138,935,500 | 3,689 |
| Average equity | $16,455,500 | 3,627 |
| Average total loans | $114,856,500 | 3,174 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7582% | 1,418 |
| Cost of funding earning assets | 0.4124% | 4,514 |
| Net interest margin | 4.3458% | 1,010 |
| Noninterest income to average assets | 0.3967% | 4,470 |
| Noninterest expense to average assets | 3.9545% | 915 |
| Loan and lease loss provision to assets | 0.1943% | 1,908 |
| Net operating income to assets | 1.0528% | 2,106 |
| Return on assets (ROA) | 1.0622% | 2,151 |
| Pretax return on assets | 0.0961% | 6,099 |
| Return on Equity (ROE) | 10.0799% | 2,081 |
| Retained earnings to average equity (ytd only) | 9.9579% | 567 |
| Net charge-offs to loans | 0.1605% | 3,200 |
| Credit loss provision to net charge-offs | 171.8563% | 1,329 |
| Earnings coverage of net charge-offs (x) | 2.4850% | 4,184 |
| Efficiency ratio | 93.3664% | 781 |
| Assets per employee ($millions) | 4.0333% | 3,798 |
| Cash dividends to net income (ytd only)* | 1.2110% | 4,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4581% | 3,382 |
| Loan loss allowance to noncurrent loans | 84.7164% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 1.4537% | 2,564 |
| Noncurrent loans to loans | 1.7211% | 2,332 |
| Net loans and leases to total assets | 71.1273% | 1,817 |
| Net loans and leases to deposits | 82.9445% | 2,072 |
| Net loans and leases to core deposits | 89.9463% | 2,034 |
| Total domestic deposits to total assets | 85.7529% | 3,390 |
| Equity capital to assets | 10.7578% | 2,870 |
| Core capital (leverage) ratio | 9.7295% | 3,943 |
| Tier 1 risk-based capital ratio | 10.7362% | 6,288 |
| Total risk-based capital ratio | 11.9597% | 6,249 |
| Memoranda: | ||
| Average total assets | $147,705,600 | 3,744 |
| Average earning assets | $130,469,600 | 3,835 |
| Average equity | $15,565,600 | 3,773 |
| Average total loans | $104,069,800 | 3,363 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8062% | 1,333 |
| Cost of funding earning assets | 0.4184% | 4,641 |
| Net interest margin | 4.3878% | 923 |
| Noninterest income to average assets | 0.3153% | 5,177 |
| Noninterest expense to average assets | 3.9065% | 959 |
| Loan and lease loss provision to assets | 0.2615% | 1,351 |
| Net operating income to assets | 0.5741% | 4,452 |
| Return on assets (ROA) | 0.5868% | 4,537 |
| Pretax return on assets | 0.0401% | 6,270 |
| Return on Equity (ROE) | 5.5993% | 4,417 |
| Retained earnings to average equity (ytd only) | 5.4775% | 2,733 |
| Net charge-offs to loans | 0.2226% | 2,475 |
| Credit loss provision to net charge-offs | 167.8363% | 1,420 |
| Earnings coverage of net charge-offs (x) | 1.8539% | 4,210 |
| Efficiency ratio | 93.1147% | 782 |
| Assets per employee ($millions) | 4.5707% | 2,766 |
| Cash dividends to net income (ytd only)* | 2.1743% | 3,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5456% | 3,249 |
| Loan loss allowance to noncurrent loans | 82.8101% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 1.4588% | 2,760 |
| Noncurrent loans to loans | 1.8664% | 2,413 |
| Net loans and leases to total assets | 65.9541% | 2,646 |
| Net loans and leases to deposits | 76.1944% | 2,936 |
| Net loans and leases to core deposits | 87.3913% | 2,241 |
| Total domestic deposits to total assets | 86.5603% | 2,929 |
| Equity capital to assets | 10.0190% | 3,874 |
| Core capital (leverage) ratio | 9.4882% | 4,428 |
| Tier 1 risk-based capital ratio | 11.3280% | 6,138 |
| Total risk-based capital ratio | 12.5753% | 6,106 |
| Memoranda: | ||
| Average total assets | $146,315,500 | 3,807 |
| Average earning assets | $129,384,750 | 3,897 |
| Average equity | $15,335,000 | 3,852 |
| Average total loans | $102,430,500 | 3,415 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8781% | 1,147 |
| Cost of funding earning assets | 0.4192% | 4,760 |
| Net interest margin | 4.4589% | 766 |
| Noninterest income to average assets | 0.2750% | 5,483 |
| Noninterest expense to average assets | 3.8036% | 1,088 |
| Loan and lease loss provision to assets | 0.0419% | 4,116 |
| Net operating income to assets | 0.9073% | 2,751 |
| Return on assets (ROA) | 0.9073% | 2,894 |
| Pretax return on assets | 0.3490% | 5,752 |
| Return on Equity (ROE) | 8.5209% | 2,838 |
| Retained earnings to average equity (ytd only) | 8.4029% | 1,334 |
| Net charge-offs to loans | 0.0785% | 3,594 |
| Credit loss provision to net charge-offs | 75.0000% | 2,718 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,613 |
| Efficiency ratio | 90.6822% | 1,011 |
| Assets per employee ($millions) | 4.7862% | 2,399 |
| Cash dividends to net income (ytd only)* | 1.3846% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4960% | 3,606 |
| Loan loss allowance to noncurrent loans | 36.6082% | 5,769 |
| Noncurrent assets plus other real estate owned to assets | 2.7699% | 1,499 |
| Noncurrent loans to loans | 4.0866% | 941 |
| Net loans and leases to total assets | 61.8218% | 3,325 |
| Net loans and leases to deposits | 71.2202% | 3,555 |
| Net loans and leases to core deposits | 82.0367% | 2,797 |
| Total domestic deposits to total assets | 86.8037% | 2,938 |
| Equity capital to assets | 9.8578% | 4,113 |
| Core capital (leverage) ratio | 10.4840% | 2,890 |
| Tier 1 risk-based capital ratio | 12.2917% | 5,625 |
| Total risk-based capital ratio | 13.5422% | 5,575 |
| Memoranda: | ||
| Average total assets | $143,285,670 | 3,889 |
| Average earning assets | $125,951,670 | 3,990 |
| Average equity | $15,256,670 | 3,897 |
| Average total loans | $101,872,330 | 3,440 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9052% | 1,070 |
| Cost of funding earning assets | 0.4242% | 4,875 |
| Net interest margin | 4.4809% | 700 |
| Noninterest income to average assets | 0.2942% | 5,357 |
| Noninterest expense to average assets | 3.8777% | 1,022 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9827% | 2,304 |
| Return on assets (ROA) | 0.9827% | 2,432 |
| Pretax return on assets | 0.3942% | 5,577 |
| Return on Equity (ROE) | 8.8477% | 2,555 |
| Retained earnings to average equity (ytd only) | 8.6887% | 1,495 |
| Net charge-offs to loans | -0.3642% | 6,806 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7713% | 1,075 |
| Assets per employee ($millions) | 4.5371% | 2,905 |
| Cash dividends to net income (ytd only)* | 1.7964% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 3,683 |
| Loan loss allowance to noncurrent loans | 40.9780% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 2.9492% | 1,529 |
| Noncurrent loans to loans | 3.7423% | 1,244 |
| Net loans and leases to total assets | 71.5371% | 1,427 |
| Net loans and leases to deposits | 83.7895% | 1,623 |
| Net loans and leases to core deposits | 98.8428% | 1,019 |
| Total domestic deposits to total assets | 85.3772% | 3,860 |
| Equity capital to assets | 10.8596% | 3,127 |
| Core capital (leverage) ratio | 10.9099% | 2,343 |
| Tier 1 risk-based capital ratio | 12.1904% | 5,796 |
| Total risk-based capital ratio | 13.4490% | 5,751 |
| Memoranda: | ||
| Average total assets | $135,955,500 | 4,065 |
| Average earning assets | $120,689,000 | 4,138 |
| Average equity | $15,100,000 | 3,975 |
| Average total loans | $103,244,500 | 3,433 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3495% | 825 |
| Cost of funding earning assets | 0.4572% | 5,523 |
| Net interest margin | 4.8923% | 453 |
| Noninterest income to average assets | 0.6461% | 3,017 |
| Noninterest expense to average assets | 4.2168% | 753 |
| Loan and lease loss provision to assets | 0.1379% | 3,889 |
| Net operating income to assets | 1.2922% | 1,330 |
| Return on assets (ROA) | 1.2922% | 1,480 |
| Pretax return on assets | 0.7177% | 4,607 |
| Return on Equity (ROE) | 10.4926% | 1,974 |
| Retained earnings to average equity (ytd only) | 10.3347% | 538 |
| Net charge-offs to loans | 0.0452% | 5,276 |
| Credit loss provision to net charge-offs | 390.0000% | 619 |
| Earnings coverage of net charge-offs (x) | 24.2000% | 1,184 |
| Efficiency ratio | 83.1329% | 1,727 |
| Assets per employee ($millions) | 4.5262% | 2,912 |
| Cash dividends to net income (ytd only)* | 1.5048% | 4,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 4,111 |
| Loan loss allowance to noncurrent loans | 37.2976% | 5,757 |
| Noncurrent assets plus other real estate owned to assets | 3.2576% | 1,418 |
| Noncurrent loans to loans | 3.7889% | 1,275 |
| Net loans and leases to total assets | 78.3409% | 636 |
| Net loans and leases to deposits | 92.6205% | 863 |
| Net loans and leases to core deposits | 110.8762% | 511 |
| Total domestic deposits to total assets | 84.5826% | 4,051 |
| Equity capital to assets | 11.3712% | 2,566 |
| Core capital (leverage) ratio | 10.9658% | 2,286 |
| Tier 1 risk-based capital ratio | 11.8096% | 5,902 |
| Total risk-based capital ratio | 13.0674% | 5,863 |
| Memoranda: | ||
| Average total assets | $113,142,200 | 4,514 |
| Average earning assets | $102,364,800 | 4,536 |
| Average equity | $13,933,600 | 4,172 |
| Average total loans | $88,401,800 | 3,788 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3018% | 1,011 |
| Cost of funding earning assets | 0.4517% | 5,783 |
| Net interest margin | 4.8501% | 523 |
| Noninterest income to average assets | 0.7501% | 2,486 |
| Noninterest expense to average assets | 4.4426% | 577 |
| Loan and lease loss provision to assets | 0.1915% | 3,193 |
| Net operating income to assets | 1.0226% | 2,401 |
| Return on assets (ROA) | 1.0226% | 2,626 |
| Pretax return on assets | 0.5315% | 5,373 |
| Return on Equity (ROE) | 8.1155% | 3,231 |
| Retained earnings to average equity (ytd only) | 7.9498% | 1,637 |
| Net charge-offs to loans | 0.0632% | 4,789 |
| Credit loss provision to net charge-offs | 390.0000% | 692 |
| Earnings coverage of net charge-offs (x) | 14.7255% | 1,819 |
| Efficiency ratio | 86.0029% | 1,376 |
| Assets per employee ($millions) | 4.2500% | 3,369 |
| Cash dividends to net income (ytd only)* | 2.0412% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5321% | 3,810 |
| Loan loss allowance to noncurrent loans | 79.6216% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.9269% | 2,747 |
| Noncurrent loans to loans | 1.9243% | 2,933 |
| Net loans and leases to total assets | 79.5536% | 547 |
| Net loans and leases to deposits | 95.3190% | 704 |
| Net loans and leases to core deposits | 110.0215% | 570 |
| Total domestic deposits to total assets | 83.4604% | 4,453 |
| Equity capital to assets | 12.0119% | 2,245 |
| Core capital (leverage) ratio | 11.8407% | 1,753 |
| Tier 1 risk-based capital ratio | 12.9814% | 5,270 |
| Total risk-based capital ratio | 14.2425% | 5,220 |
| Memoranda: | ||
| Average total assets | $108,612,500 | 4,671 |
| Average earning assets | $98,882,000 | 4,668 |
| Average equity | $13,685,500 | 4,264 |
| Average total loans | $84,426,000 | 3,942 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1945% | 1,269 |
| Cost of funding earning assets | 0.4123% | 6,203 |
| Net interest margin | 4.7822% | 577 |
| Noninterest income to average assets | 0.8198% | 2,097 |
| Noninterest expense to average assets | 4.7380% | 450 |
| Loan and lease loss provision to assets | 0.1826% | 3,278 |
| Net operating income to assets | 0.2891% | 5,657 |
| Return on assets (ROA) | 0.2891% | 5,859 |
| Pretax return on assets | 0.2891% | 5,983 |
| Return on Equity (ROE) | 2.2547% | 5,965 |
| Retained earnings to average equity (ytd only) | 2.1361% | 5,122 |
| Net charge-offs to loans | 0.0994% | 4,174 |
| Credit loss provision to net charge-offs | 240.0000% | 1,193 |
| Earnings coverage of net charge-offs (x) | 6.2000% | 2,678 |
| Efficiency ratio | 90.9456% | 1,002 |
| Assets per employee ($millions) | 3.8618% | 4,165 |
| Cash dividends to net income (ytd only)* | 5.2632% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5491% | 3,785 |
| Loan loss allowance to noncurrent loans | 118.9235% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 1.5093% | 3,438 |
| Noncurrent loans to loans | 1.3026% | 3,970 |
| Net loans and leases to total assets | 83.1064% | 263 |
| Net loans and leases to deposits | 95.2847% | 674 |
| Net loans and leases to core deposits | 110.5380% | 557 |
| Total domestic deposits to total assets | 87.2191% | 2,640 |
| Equity capital to assets | 12.5340% | 1,798 |
| Core capital (leverage) ratio | 12.3480% | 1,421 |
| Tier 1 risk-based capital ratio | 12.4727% | 5,586 |
| Total risk-based capital ratio | 13.7329% | 5,558 |
| Memoranda: | ||
| Average total assets | $105,150,330 | 4,768 |
| Average earning assets | $96,524,670 | 4,748 |
| Average equity | $13,482,670 | 4,302 |
| Average total loans | $80,521,000 | 4,090 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9515% | 2,062 |
| Cost of funding earning assets | 0.3931% | 6,443 |
| Net interest margin | 4.5584% | 894 |
| Noninterest income to average assets | 1.1268% | 1,115 |
| Noninterest expense to average assets | 4.5495% | 533 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7833% | 3,458 |
| Return on assets (ROA) | 0.7833% | 3,700 |
| Pretax return on assets | 0.7833% | 4,480 |
| Return on Equity (ROE) | 6.0383% | 4,268 |
| Retained earnings to average equity (ytd only) | 5.8896% | 3,024 |
| Net charge-offs to loans | 0.2129% | 2,858 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 5.0750% | 2,446 |
| Efficiency ratio | 85.3111% | 1,549 |
| Assets per employee ($millions) | 3.6620% | 4,737 |
| Cash dividends to net income (ytd only)* | 2.4631% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7213% | 3,265 |
| Loan loss allowance to noncurrent loans | 109.6506% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 1.7034% | 3,304 |
| Noncurrent loans to loans | 1.5698% | 3,752 |
| Net loans and leases to total assets | 70.8591% | 1,602 |
| Net loans and leases to deposits | 81.6419% | 1,980 |
| Net loans and leases to core deposits | 88.0170% | 2,052 |
| Total domestic deposits to total assets | 86.7926% | 3,075 |
| Equity capital to assets | 12.7856% | 1,554 |
| Core capital (leverage) ratio | 13.4458% | 971 |
| Tier 1 risk-based capital ratio | 15.6869% | 3,341 |
| Total risk-based capital ratio | 16.9406% | 3,311 |
| Memoranda: | ||
| Average total assets | $103,660,500 | 4,843 |
| Average earning assets | $95,647,000 | 4,799 |
| Average equity | $13,447,500 | 4,313 |
| Average total loans | $75,143,000 | 4,268 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7420% | 4,070 |
| Cost of funding earning assets | 0.6543% | 5,800 |
| Net interest margin | 4.0877% | 2,483 |
| Noninterest income to average assets | 0.9911% | 1,393 |
| Noninterest expense to average assets | 3.9064% | 1,172 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8542% | 2,800 |
| Return on assets (ROA) | 0.8542% | 2,955 |
| Pretax return on assets | 0.8551% | 3,761 |
| Return on Equity (ROE) | 8.2379% | 2,787 |
| Retained earnings to average equity (ytd only) | 8.2379% | 1,003 |
| Net charge-offs to loans | 0.1430% | 5,004 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 8.8700% | 2,076 |
| Efficiency ratio | 82.0409% | 2,016 |
| Assets per employee ($millions) | 4.5965% | 2,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8422% | 2,739 |
| Loan loss allowance to noncurrent loans | 153.1003% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 1.4774% | 3,742 |
| Noncurrent loans to loans | 1.2033% | 4,368 |
| Net loans and leases to total assets | 71.5554% | 1,723 |
| Net loans and leases to deposits | 82.6790% | 2,110 |
| Net loans and leases to core deposits | 84.7801% | 2,774 |
| Total domestic deposits to total assets | 86.5461% | 3,010 |
| Equity capital to assets | 13.1691% | 1,409 |
| Core capital (leverage) ratio | 13.0073% | 1,134 |
| Tier 1 risk-based capital ratio | 15.9351% | 3,077 |
| Total risk-based capital ratio | 17.1901% | 3,035 |
| Memoranda: | ||
| Average total assets | $103,726,000 | 4,800 |
| Average earning assets | $95,676,200 | 4,764 |
| Average equity | $10,755,200 | 4,839 |
| Average total loans | $69,920,400 | 4,497 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6606% | 4,632 |
| Cost of funding earning assets | 0.7026% | 5,752 |
| Net interest margin | 3.9579% | 3,116 |
| Noninterest income to average assets | 1.1560% | 981 |
| Noninterest expense to average assets | 3.8679% | 1,202 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9351% | 2,592 |
| Return on assets (ROA) | 0.9351% | 2,754 |
| Pretax return on assets | 0.9363% | 3,636 |
| Return on Equity (ROE) | 9.6491% | 2,329 |
| Retained earnings to average equity (ytd only) | 9.6491% | 940 |
| Net charge-offs to loans | 0.1778% | 4,382 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 7.9676% | 2,272 |
| Efficiency ratio | 80.5105% | 2,184 |
| Assets per employee ($millions) | 5.3929% | 1,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8137% | 2,893 |
| Loan loss allowance to noncurrent loans | 77.0751% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 2.0592% | 3,064 |
| Noncurrent loans to loans | 2.3532% | 2,949 |
| Net loans and leases to total assets | 68.5104% | 2,371 |
| Net loans and leases to deposits | 78.1856% | 2,947 |
| Net loans and leases to core deposits | 80.0178% | 3,635 |
| Total domestic deposits to total assets | 87.6254% | 2,276 |
| Equity capital to assets | 12.1808% | 2,117 |
| Core capital (leverage) ratio | 12.6471% | 1,371 |
| Tier 1 risk-based capital ratio | 15.6506% | 3,306 |
| Total risk-based capital ratio | 16.9053% | 3,274 |
| Memoranda: | ||
| Average total assets | $104,376,750 | 4,806 |
| Average earning assets | $96,209,250 | 4,769 |
| Average equity | $10,114,750 | 5,008 |
| Average total loans | $68,971,250 | 4,569 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5477% | 5,180 |
| Cost of funding earning assets | 0.7416% | 5,722 |
| Net interest margin | 3.8061% | 3,752 |
| Noninterest income to average assets | 1.2789% | 771 |
| Noninterest expense to average assets | 3.9781% | 1,082 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8390% | 2,910 |
| Return on assets (ROA) | 0.8390% | 3,011 |
| Pretax return on assets | 0.8410% | 3,866 |
| Return on Equity (ROE) | 9.5092% | 2,305 |
| Retained earnings to average equity (ytd only) | 9.5092% | 956 |
| Net charge-offs to loans | 0.1346% | 4,399 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 9.6444% | 1,897 |
| Efficiency ratio | 82.5493% | 2,021 |
| Assets per employee ($millions) | 4.9966% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0533% | 2,229 |
| Loan loss allowance to noncurrent loans | 93.6382% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 1.9773% | 3,266 |
| Noncurrent loans to loans | 2.1928% | 3,234 |
| Net loans and leases to total assets | 67.4479% | 2,721 |
| Net loans and leases to deposits | 77.4780% | 3,222 |
| Net loans and leases to core deposits | 79.0417% | 3,924 |
| Total domestic deposits to total assets | 87.0542% | 2,714 |
| Equity capital to assets | 10.8184% | 3,160 |
| Core capital (leverage) ratio | 10.9707% | 2,278 |
| Tier 1 risk-based capital ratio | 14.9999% | 3,493 |
| Total risk-based capital ratio | 16.2584% | 3,463 |
| Memoranda: | ||
| Average total assets | $103,216,330 | 4,878 |
| Average earning assets | $96,005,000 | 4,816 |
| Average equity | $9,107,000 | 5,295 |
| Average total loans | $66,875,330 | 4,689 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4246% | 5,604 |
| Cost of funding earning assets | 0.8529% | 5,251 |
| Net interest margin | 3.5717% | 4,708 |
| Noninterest income to average assets | 1.0376% | 1,223 |
| Noninterest expense to average assets | 3.6049% | 1,758 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7553% | 3,245 |
| Return on assets (ROA) | 0.7553% | 3,309 |
| Pretax return on assets | 0.7553% | 4,076 |
| Return on Equity (ROE) | 9.5942% | 2,250 |
| Retained earnings to average equity (ytd only) | 9.5942% | 1,212 |
| Net charge-offs to loans | 0.7040% | 1,810 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.7069% | 3,458 |
| Efficiency ratio | 82.6772% | 2,128 |
| Assets per employee ($millions) | 5.2114% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0124% | 2,382 |
| Loan loss allowance to noncurrent loans | 57.2281% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 3.1896% | 2,166 |
| Noncurrent loans to loans | 3.5165% | 2,115 |
| Net loans and leases to total assets | 69.6583% | 2,190 |
| Net loans and leases to deposits | 78.5873% | 2,961 |
| Net loans and leases to core deposits | 80.2434% | 3,714 |
| Total domestic deposits to total assets | 88.6381% | 1,994 |
| Equity capital to assets | 8.9121% | 5,329 |
| Core capital (leverage) ratio | 8.2200% | 5,950 |
| Tier 1 risk-based capital ratio | 12.2548% | 5,472 |
| Total risk-based capital ratio | 13.5137% | 5,465 |
| Memoranda: | ||
| Average total assets | $104,858,500 | 4,869 |
| Average earning assets | $97,544,500 | 4,804 |
| Average equity | $8,255,000 | 5,536 |
| Average total loans | $65,905,500 | 4,776 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2123% | 6,906 |
| Cost of funding earning assets | 1.3404% | 3,641 |
| Net interest margin | 2.8718% | 6,933 |
| Noninterest income to average assets | 0.2297% | 6,158 |
| Noninterest expense to average assets | 3.8840% | 1,341 |
| Loan and lease loss provision to assets | 0.4541% | 3,400 |
| Net operating income to assets | -1.3762% | 6,863 |
| Return on assets (ROA) | -1.3379% | 6,872 |
| Pretax return on assets | -1.3358% | 6,795 |
| Return on Equity (ROE) | -16.3981% | 6,961 |
| Retained earnings to average equity (ytd only) | -16.3981% | 6,928 |
| Net charge-offs to loans | 1.0278% | 2,142 |
| Credit loss provision to net charge-offs | 74.1319% | 5,758 |
| Earnings coverage of net charge-offs (x) | -1.5017% | 6,675 |
| Efficiency ratio | 131.0370% | 309 |
| Assets per employee ($millions) | 5.7956% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2372% | 1,800 |
| Loan loss allowance to noncurrent loans | 44.8032% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 2.8056% | 2,498 |
| Noncurrent loans to loans | 4.9934% | 1,349 |
| Net loans and leases to total assets | 54.9287% | 5,498 |
| Net loans and leases to deposits | 60.3172% | 6,023 |
| Net loans and leases to core deposits | 61.9089% | 6,243 |
| Total domestic deposits to total assets | 91.0665% | 574 |
| Equity capital to assets | 7.0312% | 7,105 |
| Core capital (leverage) ratio | 7.6206% | 6,606 |
| Tier 1 risk-based capital ratio | 11.9648% | 5,505 |
| Total risk-based capital ratio | 13.2254% | 5,480 |
| Memoranda: | ||
| Average total assets | $94,027,800 | 5,159 |
| Average earning assets | $89,524,200 | 5,033 |
| Average equity | $7,671,600 | 5,817 |
| Average total loans | $56,043,800 | 5,232 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3193% | 6,946 |
| Cost of funding earning assets | 1.3556% | 3,861 |
| Net interest margin | 2.9637% | 6,906 |
| Noninterest income to average assets | 0.2303% | 6,249 |
| Noninterest expense to average assets | 3.7549% | 1,469 |
| Loan and lease loss provision to assets | 0.0407% | 6,678 |
| Net operating income to assets | -0.7227% | 6,741 |
| Return on assets (ROA) | -0.6685% | 6,758 |
| Pretax return on assets | -0.6670% | 6,656 |
| Return on Equity (ROE) | -7.8389% | 6,826 |
| Retained earnings to average equity (ytd only) | -7.8389% | 6,759 |
| Net charge-offs to loans | 1.4530% | 1,399 |
| Credit loss provision to net charge-offs | 4.6075% | 6,357 |
| Earnings coverage of net charge-offs (x) | -0.7713% | 6,408 |
| Efficiency ratio | 122.1352% | 372 |
| Assets per employee ($millions) | 4.8209% | 2,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7714% | 2,887 |
| Loan loss allowance to noncurrent loans | 51.7037% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 1.9093% | 3,598 |
| Noncurrent loans to loans | 3.4261% | 2,321 |
| Net loans and leases to total assets | 54.7412% | 5,735 |
| Net loans and leases to deposits | 61.1768% | 6,197 |
| Net loans and leases to core deposits | 62.8014% | 6,393 |
| Total domestic deposits to total assets | 89.4804% | 1,137 |
| Equity capital to assets | 8.5415% | 6,230 |
| Core capital (leverage) ratio | 9.1682% | 4,429 |
| Tier 1 risk-based capital ratio | 14.4455% | 3,539 |
| Total risk-based capital ratio | 15.7014% | 3,509 |
| Memoranda: | ||
| Average total assets | $88,556,750 | 5,395 |
| Average earning assets | $84,980,250 | 5,239 |
| Average equity | $7,552,000 | 5,928 |
| Average total loans | $53,773,250 | 5,398 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3991% | 6,899 |
| Cost of funding earning assets | 1.3601% | 4,122 |
| Net interest margin | 3.0390% | 6,748 |
| Noninterest income to average assets | 0.2297% | 6,266 |
| Noninterest expense to average assets | 3.9796% | 1,068 |
| Loan and lease loss provision to assets | 0.0653% | 6,298 |
| Net operating income to assets | -0.8873% | 6,896 |
| Return on assets (ROA) | -0.8873% | 6,916 |
| Pretax return on assets | -0.8873% | 6,839 |
| Return on Equity (ROE) | -10.4118% | 6,982 |
| Retained earnings to average equity (ytd only) | -10.4118% | 6,933 |
| Net charge-offs to loans | 1.4116% | 1,351 |
| Credit loss provision to net charge-offs | 7.3569% | 5,970 |
| Earnings coverage of net charge-offs (x) | -0.9264% | 6,105 |
| Efficiency ratio | 126.0337% | 348 |
| Assets per employee ($millions) | 4.3298% | 3,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2279% | 1,708 |
| Loan loss allowance to noncurrent loans | 51.5892% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 2.6989% | 2,681 |
| Noncurrent loans to loans | 4.3186% | 1,720 |
| Net loans and leases to total assets | 61.1031% | 4,858 |
| Net loans and leases to deposits | 69.6932% | 5,327 |
| Net loans and leases to core deposits | 70.7142% | 5,807 |
| Total domestic deposits to total assets | 87.6745% | 2,172 |
| Equity capital to assets | 9.9863% | 4,041 |
| Core capital (leverage) ratio | 9.7424% | 3,484 |
| Tier 1 risk-based capital ratio | 15.3574% | 2,974 |
| Total risk-based capital ratio | 16.6191% | 2,934 |
| Memoranda: | ||
| Average total assets | $82,722,670 | 5,603 |
| Average earning assets | $79,698,000 | 5,454 |
| Average equity | $7,049,670 | 6,122 |
| Average total loans | $51,996,000 | 5,513 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0888% | 7,383 |
| Cost of funding earning assets | 1.2622% | 5,050 |
| Net interest margin | 2.8266% | 7,145 |
| Noninterest income to average assets | -0.1018% | 7,754 |
| Noninterest expense to average assets | 4.0701% | 939 |
| Loan and lease loss provision to assets | 0.0814% | 5,825 |
| Net operating income to assets | -1.5416% | 7,346 |
| Return on assets (ROA) | -1.5416% | 7,349 |
| Pretax return on assets | -1.5416% | 7,270 |
| Return on Equity (ROE) | -20.0845% | 7,438 |
| Retained earnings to average equity (ytd only) | -20.0845% | 7,373 |
| Net charge-offs to loans | 2.5251% | 647 |
| Credit loss provision to net charge-offs | 5.1118% | 5,096 |
| Earnings coverage of net charge-offs (x) | -0.9169% | 5,371 |
| Efficiency ratio | 155.9454% | 190 |
| Assets per employee ($millions) | 4.4740% | 3,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6195% | 1,154 |
| Loan loss allowance to noncurrent loans | 72.3204% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 2.1293% | 3,348 |
| Noncurrent loans to loans | 3.6221% | 2,194 |
| Net loans and leases to total assets | 57.2454% | 5,560 |
| Net loans and leases to deposits | 66.3485% | 5,787 |
| Net loans and leases to core deposits | 67.3998% | 6,165 |
| Total domestic deposits to total assets | 86.2798% | 2,995 |
| Equity capital to assets | 8.9100% | 5,400 |
| Core capital (leverage) ratio | 9.6984% | 3,521 |
| Tier 1 risk-based capital ratio | 15.8207% | 2,719 |
| Total risk-based capital ratio | 17.0907% | 2,655 |
| Memoranda: | ||
| Average total assets | $78,621,500 | 5,805 |
| Average earning assets | $75,425,000 | 5,653 |
| Average equity | $6,034,500 | 6,507 |
| Average total loans | $49,582,000 | 5,686 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2640% | 5,351 |
| Cost of funding earning assets | 1.4665% | 5,659 |
| Net interest margin | 3.7975% | 3,716 |
| Noninterest income to average assets | 0.2327% | 6,449 |
| Noninterest expense to average assets | 4.5476% | 760 |
| Loan and lease loss provision to assets | 4.8222% | 216 |
| Net operating income to assets | -4.1535% | 7,630 |
| Return on assets (ROA) | -7.3466% | 7,903 |
| Pretax return on assets | -8.7384% | 7,943 |
| Return on Equity (ROE) | -82.1165% | 7,874 |
| Retained earnings to average equity (ytd only) | -82.1165% | 7,870 |
| Net charge-offs to loans | 5.0332% | 256 |
| Credit loss provision to net charge-offs | 117.7273% | 4,603 |
| Earnings coverage of net charge-offs (x) | -0.1765% | 6,415 |
| Efficiency ratio | 118.9047% | 626 |
| Assets per employee ($millions) | 4.5148% | 2,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2647% | 622 |
| Loan loss allowance to noncurrent loans | 90.9400% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 2.6302% | 2,675 |
| Noncurrent loans to loans | 3.5899% | 2,112 |
| Net loans and leases to total assets | 65.8762% | 4,186 |
| Net loans and leases to deposits | 78.4371% | 4,289 |
| Net loans and leases to core deposits | 85.6390% | 5,553 |
| Total domestic deposits to total assets | 83.9860% | 4,029 |
| Equity capital to assets | 6.2226% | 7,623 |
| Core capital (leverage) ratio | 7.8228% | 6,419 |
| Tier 1 risk-based capital ratio | 9.3570% | 7,300 |
| Total risk-based capital ratio | 10.6330% | 7,272 |
| Memoranda: | ||
| Average total assets | $64,451,400 | 6,183 |
| Average earning assets | $60,961,600 | 6,092 |
| Average equity | $5,766,200 | 6,686 |
| Average total loans | $52,451,200 | 5,568 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5575% | 4,107 |
| Cost of funding earning assets | 1.7027% | 4,885 |
| Net interest margin | 3.8548% | 3,408 |
| Noninterest income to average assets | 0.2346% | 6,545 |
| Noninterest expense to average assets | 4.0508% | 1,214 |
| Loan and lease loss provision to assets | 4.5094% | 221 |
| Net operating income to assets | -2.7709% | 7,532 |
| Return on assets (ROA) | -2.7709% | 7,535 |
| Pretax return on assets | -4.6843% | 7,773 |
| Return on Equity (ROE) | -28.4675% | 7,572 |
| Retained earnings to average equity (ytd only) | -28.4675% | 7,561 |
| Net charge-offs to loans | 5.3366% | 189 |
| Credit loss provision to net charge-offs | 99.1557% | 5,157 |
| Earnings coverage of net charge-offs (x) | -0.0385% | 6,113 |
| Efficiency ratio | 104.5129% | 897 |
| Assets per employee ($millions) | 3.9871% | 3,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3690% | 1,205 |
| Loan loss allowance to noncurrent loans | 49.6454% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 4.0416% | 1,575 |
| Noncurrent loans to loans | 4.7719% | 1,425 |
| Net loans and leases to total assets | 82.6890% | 717 |
| Net loans and leases to deposits | 108.8814% | 505 |
| Net loans and leases to core deposits | 127.4246% | 1,625 |
| Total domestic deposits to total assets | 75.9441% | 6,594 |
| Equity capital to assets | 9.5772% | 4,646 |
| Core capital (leverage) ratio | 6.9316% | 7,476 |
| Tier 1 risk-based capital ratio | 7.8026% | 7,820 |
| Total risk-based capital ratio | 9.0674% | 7,826 |
| Memoranda: | ||
| Average total assets | $62,505,000 | 6,298 |
| Average earning assets | $59,042,250 | 6,213 |
| Average equity | $6,084,000 | 6,633 |
| Average total loans | $53,265,750 | 5,578 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6908% | 3,596 |
| Cost of funding earning assets | 1.8241% | 4,641 |
| Net interest margin | 3.8668% | 3,265 |
| Noninterest income to average assets | 0.2039% | 6,833 |
| Noninterest expense to average assets | 3.9176% | 1,449 |
| Loan and lease loss provision to assets | 3.2812% | 447 |
| Net operating income to assets | -1.9712% | 7,421 |
| Return on assets (ROA) | -1.9712% | 7,416 |
| Pretax return on assets | -3.3337% | 7,639 |
| Return on Equity (ROE) | -20.1580% | 7,509 |
| Retained earnings to average equity (ytd only) | -20.1580% | 7,460 |
| Net charge-offs to loans | 3.0871% | 533 |
| Credit loss provision to net charge-offs | 124.5018% | 3,739 |
| Earnings coverage of net charge-offs (x) | -0.0199% | 5,712 |
| Efficiency ratio | 101.3589% | 1,110 |
| Assets per employee ($millions) | 3.9323% | 3,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6483% | 786 |
| Loan loss allowance to noncurrent loans | 65.5794% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 3.4823% | 1,786 |
| Noncurrent loans to loans | 4.0383% | 1,671 |
| Net loans and leases to total assets | 83.9482% | 644 |
| Net loans and leases to deposits | 111.6533% | 492 |
| Net loans and leases to core deposits | 128.7300% | 1,668 |
| Total domestic deposits to total assets | 75.1865% | 6,723 |
| Equity capital to assets | 10.1841% | 3,738 |
| Core capital (leverage) ratio | 7.8595% | 6,543 |
| Tier 1 risk-based capital ratio | 8.8654% | 7,762 |
| Total risk-based capital ratio | 10.1322% | 7,790 |
| Memoranda: | ||
| Average total assets | $64,733,330 | 6,271 |
| Average earning assets | $61,291,670 | 6,172 |
| Average equity | $6,330,000 | 6,598 |
| Average total loans | $55,262,000 | 5,546 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6088% | 4,299 |
| Cost of funding earning assets | 1.9880% | 4,193 |
| Net interest margin | 3.6208% | 4,237 |
| Noninterest income to average assets | 0.1775% | 7,034 |
| Noninterest expense to average assets | 3.6919% | 1,674 |
| Loan and lease loss provision to assets | 2.9996% | 361 |
| Net operating income to assets | -1.8164% | 7,611 |
| Return on assets (ROA) | -1.8164% | 7,613 |
| Pretax return on assets | -3.0766% | 7,771 |
| Return on Equity (ROE) | -18.9170% | 7,729 |
| Retained earnings to average equity (ytd only) | -18.9170% | 7,613 |
| Net charge-offs to loans | 3.2091% | 392 |
| Credit loss provision to net charge-offs | 109.9783% | 3,507 |
| Earnings coverage of net charge-offs (x) | -0.0282% | 5,005 |
| Efficiency ratio | 102.1277% | 1,046 |
| Assets per employee ($millions) | 4.2093% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1770% | 1,107 |
| Loan loss allowance to noncurrent loans | 57.9256% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 3.2373% | 1,703 |
| Noncurrent loans to loans | 3.7582% | 1,648 |
| Net loans and leases to total assets | 84.2649% | 649 |
| Net loans and leases to deposits | 102.9051% | 1,101 |
| Net loans and leases to core deposits | 133.4638% | 1,448 |
| Total domestic deposits to total assets | 81.8860% | 4,597 |
| Equity capital to assets | 10.0382% | 3,962 |
| Core capital (leverage) ratio | 7.6225% | 6,994 |
| Tier 1 risk-based capital ratio | 9.1363% | 7,715 |
| Total risk-based capital ratio | 10.3973% | 7,707 |
| Memoranda: | ||
| Average total assets | $67,608,000 | 6,192 |
| Average earning assets | $64,185,000 | 6,101 |
| Average equity | $6,491,500 | 6,587 |
| Average total loans | $57,461,500 | 5,478 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5362% | 2,779 |
| Cost of funding earning assets | 2.6194% | 3,584 |
| Net interest margin | 3.9167% | 3,489 |
| Noninterest income to average assets | 0.1397% | 7,403 |
| Noninterest expense to average assets | 3.7362% | 1,881 |
| Loan and lease loss provision to assets | 1.0642% | 1,369 |
| Net operating income to assets | -0.6376% | 7,031 |
| Return on assets (ROA) | -0.6376% | 6,922 |
| Pretax return on assets | -1.0536% | 7,033 |
| Return on Equity (ROE) | -6.3020% | 6,987 |
| Retained earnings to average equity (ytd only) | -6.3020% | 6,699 |
| Net charge-offs to loans | 0.5303% | 2,238 |
| Credit loss provision to net charge-offs | 230.5921% | 2,064 |
| Earnings coverage of net charge-offs (x) | 0.0230% | 6,230 |
| Efficiency ratio | 99.7164% | 995 |
| Assets per employee ($millions) | 4.5048% | 2,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8799% | 1,463 |
| Loan loss allowance to noncurrent loans | 61.8478% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 2.5528% | 1,896 |
| Noncurrent loans to loans | 3.0396% | 1,760 |
| Net loans and leases to total assets | 82.4077% | 1,148 |
| Net loans and leases to deposits | 98.4976% | 2,053 |
| Net loans and leases to core deposits | 111.2178% | 3,649 |
| Total domestic deposits to total assets | 83.6647% | 3,494 |
| Equity capital to assets | 9.2193% | 5,047 |
| Core capital (leverage) ratio | 8.0022% | 6,485 |
| Tier 1 risk-based capital ratio | 8.7711% | 7,922 |
| Total risk-based capital ratio | 10.0285% | 7,988 |
| Memoranda: | ||
| Average total assets | $65,868,600 | 6,165 |
| Average earning assets | $60,662,600 | 6,148 |
| Average equity | $6,664,600 | 6,580 |
| Average total loans | $57,328,800 | 5,392 |