Home > The Citizens Exchange Bank > Performance and Condition Ratios
The Citizens Exchange Bank, Performance and Condition Ratios
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1647% | 5,533 |
| Cost of funding earning assets | 0.3711% | 3,384 |
| Net interest margin | 2.7936% | 5,472 |
| Noninterest income to average assets | 0.3206% | 4,437 |
| Noninterest expense to average assets | 3.7725% | 811 |
| Loan and lease loss provision to assets | -0.0955% | 5,984 |
| Net operating income to assets | -0.7095% | 6,001 |
| Return on assets (ROA) | -0.7095% | 6,002 |
| Pretax return on assets | -0.6344% | 5,988 |
| Return on Equity (ROE) | -5.6932% | 5,981 |
| Retained earnings to average equity (ytd only) | -5.6932% | 5,638 |
| Net charge-offs to loans | -0.0899% | 5,588 |
| Credit loss provision to net charge-offs | 233.3333% | 984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.9910% | 88 |
| Assets per employee ($millions) | 4.0374% | 3,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6185% | 1,555 |
| Loan loss allowance to noncurrent loans | 33.2283% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 2.2469% | 720 |
| Noncurrent loans to loans | 4.8709% | 205 |
| Net loans and leases to total assets | 45.3815% | 5,163 |
| Net loans and leases to deposits | 52.3319% | 5,208 |
| Net loans and leases to core deposits | 53.3252% | 5,298 |
| Total domestic deposits to total assets | 86.7187% | 2,348 |
| Equity capital to assets | 12.9186% | 1,449 |
| Core capital (leverage) ratio | 12.3859% | 1,386 |
| Tier 1 risk-based capital ratio | 27.8810% | 615 |
| Total risk-based capital ratio | 29.1354% | 602 |
| Memoranda: | ||
| Average total assets | $58,635,000 | 5,320 |
| Average earning assets | $57,131,000 | 5,236 |
| Average equity | $7,307,000 | 5,175 |
| Average total loans | $26,690,500 | 5,459 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1818% | 5,537 |
| Cost of funding earning assets | 0.3797% | 3,371 |
| Net interest margin | 2.8020% | 5,508 |
| Noninterest income to average assets | 0.4642% | 3,568 |
| Noninterest expense to average assets | 2.7849% | 3,300 |
| Loan and lease loss provision to assets | 0.1217% | 1,969 |
| Net operating income to assets | 0.2002% | 5,573 |
| Return on assets (ROA) | 0.2499% | 5,550 |
| Pretax return on assets | 0.3441% | 5,430 |
| Return on Equity (ROE) | 2.1165% | 5,543 |
| Retained earnings to average equity (ytd only) | 2.1165% | 4,516 |
| Net charge-offs to loans | 0.2481% | 1,213 |
| Credit loss provision to net charge-offs | 108.6957% | 2,323 |
| Earnings coverage of net charge-offs (x) | 3.5507% | 3,712 |
| Efficiency ratio | 87.5064% | 868 |
| Assets per employee ($millions) | 4.3391% | 3,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5746% | 1,703 |
| Loan loss allowance to noncurrent loans | 29.0934% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 2.4330% | 645 |
| Noncurrent loans to loans | 5.4123% | 170 |
| Net loans and leases to total assets | 44.2458% | 5,267 |
| Net loans and leases to deposits | 50.4742% | 5,366 |
| Net loans and leases to core deposits | 51.7074% | 5,423 |
| Total domestic deposits to total assets | 87.6603% | 1,811 |
| Equity capital to assets | 12.0368% | 1,928 |
| Core capital (leverage) ratio | 11.9528% | 1,649 |
| Tier 1 risk-based capital ratio | 26.8782% | 679 |
| Total risk-based capital ratio | 28.1309% | 657 |
| Memoranda: | ||
| Average total assets | $61,617,800 | 5,280 |
| Average earning assets | $59,778,200 | 5,195 |
| Average equity | $7,276,000 | 5,194 |
| Average total loans | $27,809,200 | 5,449 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1873% | 5,604 |
| Cost of funding earning assets | 0.3803% | 3,434 |
| Net interest margin | 2.8070% | 5,566 |
| Noninterest income to average assets | 0.4614% | 3,622 |
| Noninterest expense to average assets | 2.6974% | 3,570 |
| Loan and lease loss provision to assets | 0.0647% | 2,891 |
| Net operating income to assets | 0.3193% | 5,401 |
| Return on assets (ROA) | 0.3881% | 5,292 |
| Pretax return on assets | 0.5110% | 5,196 |
| Return on Equity (ROE) | 3.3025% | 5,290 |
| Retained earnings to average equity (ytd only) | 3.3025% | 4,119 |
| Net charge-offs to loans | 0.1432% | 1,690 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 7.4998% | 2,908 |
| Efficiency ratio | 84.7561% | 1,102 |
| Assets per employee ($millions) | 4.4526% | 3,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5125% | 2,106 |
| Loan loss allowance to noncurrent loans | 28.7068% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 2.3694% | 760 |
| Noncurrent loans to loans | 5.2688% | 183 |
| Net loans and leases to total assets | 44.2899% | 5,343 |
| Net loans and leases to deposits | 50.5308% | 5,448 |
| Net loans and leases to core deposits | 51.7274% | 5,515 |
| Total domestic deposits to total assets | 87.6494% | 1,728 |
| Equity capital to assets | 11.8758% | 2,192 |
| Core capital (leverage) ratio | 12.2025% | 1,564 |
| Tier 1 risk-based capital ratio | 26.0949% | 755 |
| Total risk-based capital ratio | 27.3478% | 739 |
| Memoranda: | ||
| Average total assets | $61,835,500 | 5,344 |
| Average earning assets | $59,944,750 | 5,250 |
| Average equity | $7,267,000 | 5,262 |
| Average total loans | $27,934,500 | 5,510 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1749% | 5,656 |
| Cost of funding earning assets | 0.3981% | 3,294 |
| Net interest margin | 2.7768% | 5,667 |
| Noninterest income to average assets | 0.4476% | 3,725 |
| Noninterest expense to average assets | 2.6756% | 3,671 |
| Loan and lease loss provision to assets | 0.0649% | 2,822 |
| Net operating income to assets | 0.3070% | 5,420 |
| Return on assets (ROA) | 0.4119% | 5,205 |
| Pretax return on assets | 0.5351% | 5,135 |
| Return on Equity (ROE) | 3.5172% | 5,217 |
| Retained earnings to average equity (ytd only) | 3.5172% | 3,789 |
| Net charge-offs to loans | 0.1577% | 1,530 |
| Credit loss provision to net charge-offs | 90.9091% | 2,189 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 2,776 |
| Efficiency ratio | 85.2273% | 1,126 |
| Assets per employee ($millions) | 4.2590% | 3,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 2,425 |
| Loan loss allowance to noncurrent loans | 26.4411% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 2.7421% | 650 |
| Noncurrent loans to loans | 5.5447% | 190 |
| Net loans and leases to total assets | 47.5665% | 5,141 |
| Net loans and leases to deposits | 54.4408% | 5,227 |
| Net loans and leases to core deposits | 55.4617% | 5,344 |
| Total domestic deposits to total assets | 87.3730% | 1,980 |
| Equity capital to assets | 12.2128% | 1,865 |
| Core capital (leverage) ratio | 11.9500% | 1,689 |
| Tier 1 risk-based capital ratio | 24.8477% | 877 |
| Total risk-based capital ratio | 26.0996% | 864 |
| Memoranda: | ||
| Average total assets | $61,668,330 | 5,402 |
| Average earning assets | $59,780,670 | 5,311 |
| Average equity | $7,221,670 | 5,313 |
| Average total loans | $27,901,670 | 5,558 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0877% | 5,795 |
| Cost of funding earning assets | 0.4016% | 3,286 |
| Net interest margin | 2.6861% | 5,824 |
| Noninterest income to average assets | 0.4211% | 3,834 |
| Noninterest expense to average assets | 2.6097% | 3,889 |
| Loan and lease loss provision to assets | 0.0638% | 2,651 |
| Net operating income to assets | 0.3028% | 5,403 |
| Return on assets (ROA) | 0.5360% | 4,640 |
| Pretax return on assets | 0.6189% | 4,861 |
| Return on Equity (ROE) | 4.6722% | 4,675 |
| Retained earnings to average equity (ytd only) | 4.6722% | 3,225 |
| Net charge-offs to loans | 0.1602% | 1,310 |
| Credit loss provision to net charge-offs | 90.9091% | 1,736 |
| Earnings coverage of net charge-offs (x) | 5.9091% | 2,345 |
| Efficiency ratio | 86.2869% | 1,155 |
| Assets per employee ($millions) | 4.7762% | 2,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5387% | 2,285 |
| Loan loss allowance to noncurrent loans | 26.7214% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 2.5640% | 826 |
| Noncurrent loans to loans | 5.7585% | 196 |
| Net loans and leases to total assets | 43.5932% | 5,378 |
| Net loans and leases to deposits | 49.6023% | 5,484 |
| Net loans and leases to core deposits | 50.4878% | 5,570 |
| Total domestic deposits to total assets | 87.8853% | 1,890 |
| Equity capital to assets | 11.7249% | 2,263 |
| Core capital (leverage) ratio | 11.7458% | 1,814 |
| Tier 1 risk-based capital ratio | 26.0256% | 781 |
| Total risk-based capital ratio | 27.2802% | 766 |
| Memoranda: | ||
| Average total assets | $62,689,500 | 5,434 |
| Average earning assets | $60,757,000 | 5,338 |
| Average equity | $7,191,500 | 5,364 |
| Average total loans | $27,460,500 | 5,618 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1007% | 5,956 |
| Cost of funding earning assets | 0.4927% | 2,740 |
| Net interest margin | 2.6080% | 6,056 |
| Noninterest income to average assets | 0.4302% | 3,967 |
| Noninterest expense to average assets | 2.5076% | 4,524 |
| Loan and lease loss provision to assets | 0.1044% | 2,413 |
| Net operating income to assets | 0.2569% | 5,640 |
| Return on assets (ROA) | 0.2569% | 5,701 |
| Pretax return on assets | 0.3420% | 5,621 |
| Return on Equity (ROE) | 2.3069% | 5,687 |
| Retained earnings to average equity (ytd only) | 2.3069% | 4,588 |
| Net charge-offs to loans | 0.1505% | 2,529 |
| Credit loss provision to net charge-offs | 158.5366% | 1,524 |
| Earnings coverage of net charge-offs (x) | 6.7805% | 3,140 |
| Efficiency ratio | 84.8913% | 1,302 |
| Assets per employee ($millions) | 4.8684% | 2,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5457% | 2,276 |
| Loan loss allowance to noncurrent loans | 28.5714% | 5,676 |
| Noncurrent assets plus other real estate owned to assets | 2.3827% | 983 |
| Noncurrent loans to loans | 5.4099% | 243 |
| Net loans and leases to total assets | 42.6725% | 5,565 |
| Net loans and leases to deposits | 48.2337% | 5,673 |
| Net loans and leases to core deposits | 48.7605% | 5,772 |
| Total domestic deposits to total assets | 88.4704% | 1,537 |
| Equity capital to assets | 11.2231% | 2,674 |
| Core capital (leverage) ratio | 11.5961% | 1,904 |
| Tier 1 risk-based capital ratio | 24.7616% | 861 |
| Total risk-based capital ratio | 26.0137% | 842 |
| Memoranda: | ||
| Average total assets | $62,289,600 | 5,492 |
| Average earning assets | $60,276,000 | 5,387 |
| Average equity | $6,935,800 | 5,432 |
| Average total loans | $27,239,400 | 5,682 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0796% | 6,056 |
| Cost of funding earning assets | 0.5044% | 2,711 |
| Net interest margin | 2.5752% | 6,156 |
| Noninterest income to average assets | 0.4320% | 4,005 |
| Noninterest expense to average assets | 2.4048% | 4,808 |
| Loan and lease loss provision to assets | 0.0322% | 3,763 |
| Net operating income to assets | 0.3610% | 5,396 |
| Return on assets (ROA) | 0.3610% | 5,469 |
| Pretax return on assets | 0.4857% | 5,362 |
| Return on Equity (ROE) | 3.2491% | 5,449 |
| Retained earnings to average equity (ytd only) | 3.2491% | 4,312 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2794% | 1,579 |
| Assets per employee ($millions) | 4.6238% | 2,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4913% | 2,763 |
| Loan loss allowance to noncurrent loans | 34.4971% | 5,604 |
| Noncurrent assets plus other real estate owned to assets | 2.0180% | 1,413 |
| Noncurrent loans to loans | 4.3228% | 461 |
| Net loans and leases to total assets | 45.6064% | 5,410 |
| Net loans and leases to deposits | 51.8792% | 5,536 |
| Net loans and leases to core deposits | 52.4720% | 5,660 |
| Total domestic deposits to total assets | 87.9088% | 1,809 |
| Equity capital to assets | 11.7352% | 2,278 |
| Core capital (leverage) ratio | 11.7123% | 1,904 |
| Tier 1 risk-based capital ratio | 25.9695% | 791 |
| Total risk-based capital ratio | 27.2237% | 768 |
| Memoranda: | ||
| Average total assets | $62,039,750 | 5,562 |
| Average earning assets | $60,005,500 | 5,458 |
| Average equity | $6,894,000 | 5,489 |
| Average total loans | $27,191,500 | 5,746 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0040% | 6,174 |
| Cost of funding earning assets | 0.5084% | 2,746 |
| Net interest margin | 2.4956% | 6,281 |
| Noninterest income to average assets | 0.4275% | 4,041 |
| Noninterest expense to average assets | 2.3994% | 4,883 |
| Loan and lease loss provision to assets | 0.0479% | 3,350 |
| Net operating income to assets | 0.3031% | 5,556 |
| Return on assets (ROA) | 0.3031% | 5,625 |
| Pretax return on assets | 0.3925% | 5,590 |
| Return on Equity (ROE) | 2.7775% | 5,599 |
| Retained earnings to average equity (ytd only) | 2.7775% | 4,433 |
| Net charge-offs to loans | -0.0148% | 5,440 |
| Credit loss provision to net charge-offs | -750.0000% | 5,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4944% | 1,445 |
| Assets per employee ($millions) | 4.3579% | 3,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5543% | 2,651 |
| Loan loss allowance to noncurrent loans | 28.1187% | 5,828 |
| Noncurrent assets plus other real estate owned to assets | 2.4799% | 1,148 |
| Noncurrent loans to loans | 5.5276% | 320 |
| Net loans and leases to total assets | 43.2906% | 5,579 |
| Net loans and leases to deposits | 49.0701% | 5,701 |
| Net loans and leases to core deposits | 49.6196% | 5,815 |
| Total domestic deposits to total assets | 88.2218% | 1,776 |
| Equity capital to assets | 11.4406% | 2,474 |
| Core capital (leverage) ratio | 11.4882% | 2,009 |
| Tier 1 risk-based capital ratio | 22.9113% | 1,121 |
| Total risk-based capital ratio | 24.0902% | 1,120 |
| Memoranda: | ||
| Average total assets | $62,683,000 | 5,593 |
| Average earning assets | $60,586,330 | 5,489 |
| Average equity | $6,840,670 | 5,527 |
| Average total loans | $26,979,000 | 5,793 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9565% | 6,274 |
| Cost of funding earning assets | 0.5198% | 2,719 |
| Net interest margin | 2.4367% | 6,390 |
| Noninterest income to average assets | 0.4408% | 3,863 |
| Noninterest expense to average assets | 2.3804% | 4,984 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4093% | 5,082 |
| Return on assets (ROA) | 0.4093% | 5,148 |
| Pretax return on assets | 0.4219% | 5,380 |
| Return on Equity (ROE) | 3.8399% | 5,119 |
| Retained earnings to average equity (ytd only) | 3.8399% | 3,824 |
| Net charge-offs to loans | -0.0148% | 5,200 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9438% | 1,555 |
| Assets per employee ($millions) | 4.8617% | 2,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4764% | 3,258 |
| Loan loss allowance to noncurrent loans | 33.1131% | 5,769 |
| Noncurrent assets plus other real estate owned to assets | 1.9477% | 1,762 |
| Noncurrent loans to loans | 4.4588% | 548 |
| Net loans and leases to total assets | 42.3389% | 5,636 |
| Net loans and leases to deposits | 47.6852% | 5,749 |
| Net loans and leases to core deposits | 48.1953% | 5,865 |
| Total domestic deposits to total assets | 88.7883% | 1,780 |
| Equity capital to assets | 10.8525% | 2,876 |
| Core capital (leverage) ratio | 11.0503% | 2,341 |
| Tier 1 risk-based capital ratio | 23.1509% | 1,122 |
| Total risk-based capital ratio | 24.3663% | 1,116 |
| Memoranda: | ||
| Average total assets | $63,519,000 | 5,630 |
| Average earning assets | $61,559,000 | 5,520 |
| Average equity | $6,771,000 | 5,574 |
| Average total loans | $27,054,000 | 5,848 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0333% | 6,308 |
| Cost of funding earning assets | 0.6548% | 2,172 |
| Net interest margin | 2.3785% | 6,468 |
| Noninterest income to average assets | 0.4236% | 4,276 |
| Noninterest expense to average assets | 2.4495% | 4,931 |
| Loan and lease loss provision to assets | 0.0476% | 4,172 |
| Net operating income to assets | 0.1904% | 5,851 |
| Return on assets (ROA) | 0.1904% | 5,918 |
| Pretax return on assets | 0.2316% | 5,883 |
| Return on Equity (ROE) | 1.7641% | 5,915 |
| Retained earnings to average equity (ytd only) | 1.7641% | 4,976 |
| Net charge-offs to loans | 0.2353% | 2,569 |
| Credit loss provision to net charge-offs | 49.1803% | 3,838 |
| Earnings coverage of net charge-offs (x) | 2.8852% | 4,035 |
| Efficiency ratio | 89.7674% | 1,042 |
| Assets per employee ($millions) | 4.9105% | 2,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4843% | 3,265 |
| Loan loss allowance to noncurrent loans | 38.4615% | 5,681 |
| Noncurrent assets plus other real estate owned to assets | 1.6605% | 2,228 |
| Noncurrent loans to loans | 3.8593% | 770 |
| Net loans and leases to total assets | 41.5878% | 5,851 |
| Net loans and leases to deposits | 46.6229% | 5,973 |
| Net loans and leases to core deposits | 47.1127% | 6,086 |
| Total domestic deposits to total assets | 89.2005% | 1,488 |
| Equity capital to assets | 10.4690% | 3,205 |
| Core capital (leverage) ratio | 11.4880% | 1,971 |
| Tier 1 risk-based capital ratio | 22.2826% | 1,207 |
| Total risk-based capital ratio | 23.4791% | 1,200 |
| Memoranda: | ||
| Average total assets | $63,034,400 | 5,678 |
| Average earning assets | $61,088,200 | 5,559 |
| Average equity | $6,802,400 | 5,618 |
| Average total loans | $25,928,600 | 5,938 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9949% | 6,427 |
| Cost of funding earning assets | 0.6765% | 2,125 |
| Net interest margin | 2.3184% | 6,575 |
| Noninterest income to average assets | 0.4244% | 4,333 |
| Noninterest expense to average assets | 2.3978% | 5,030 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2610% | 5,752 |
| Return on assets (ROA) | 0.2610% | 5,851 |
| Pretax return on assets | 0.2737% | 5,929 |
| Return on Equity (ROE) | 2.4004% | 5,828 |
| Retained earnings to average equity (ytd only) | 2.4004% | 4,897 |
| Net charge-offs to loans | 0.3116% | 1,982 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 2.1500% | 4,123 |
| Efficiency ratio | 89.7538% | 1,019 |
| Assets per employee ($millions) | 4.6069% | 2,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 3,839 |
| Loan loss allowance to noncurrent loans | 34.3519% | 5,835 |
| Noncurrent assets plus other real estate owned to assets | 1.8033% | 2,270 |
| Noncurrent loans to loans | 4.1130% | 845 |
| Net loans and leases to total assets | 43.2242% | 5,799 |
| Net loans and leases to deposits | 48.9163% | 5,912 |
| Net loans and leases to core deposits | 49.4659% | 6,042 |
| Total domestic deposits to total assets | 88.3637% | 1,909 |
| Equity capital to assets | 11.2707% | 2,496 |
| Core capital (leverage) ratio | 11.0980% | 2,384 |
| Tier 1 risk-based capital ratio | 24.3214% | 952 |
| Total risk-based capital ratio | 25.5718% | 934 |
| Memoranda: | ||
| Average total assets | $62,834,000 | 5,744 |
| Average earning assets | $60,901,250 | 5,630 |
| Average equity | $6,832,250 | 5,686 |
| Average total loans | $25,673,750 | 6,000 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9477% | 6,493 |
| Cost of funding earning assets | 0.6845% | 2,184 |
| Net interest margin | 2.2633% | 6,648 |
| Noninterest income to average assets | 0.4043% | 4,490 |
| Noninterest expense to average assets | 2.3756% | 5,121 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2131% | 5,855 |
| Return on assets (ROA) | 0.2131% | 5,990 |
| Pretax return on assets | 0.2257% | 6,038 |
| Return on Equity (ROE) | 1.9826% | 5,962 |
| Retained earnings to average equity (ytd only) | 1.9826% | 5,010 |
| Net charge-offs to loans | 0.0863% | 3,503 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.5455% | 2,702 |
| Efficiency ratio | 91.3253% | 952 |
| Assets per employee ($millions) | 4.3756% | 3,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6503% | 2,977 |
| Loan loss allowance to noncurrent loans | 52.3039% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 1.3108% | 3,156 |
| Noncurrent loans to loans | 3.1552% | 1,392 |
| Net loans and leases to total assets | 40.8593% | 5,980 |
| Net loans and leases to deposits | 46.0517% | 6,102 |
| Net loans and leases to core deposits | 46.5544% | 6,212 |
| Total domestic deposits to total assets | 88.7249% | 1,768 |
| Equity capital to assets | 10.9208% | 2,826 |
| Core capital (leverage) ratio | 10.9479% | 2,412 |
| Tier 1 risk-based capital ratio | 24.3315% | 959 |
| Total risk-based capital ratio | 25.5852% | 940 |
| Memoranda: | ||
| Average total assets | $63,815,330 | 5,752 |
| Average earning assets | $61,946,000 | 5,629 |
| Average equity | $6,859,670 | 5,719 |
| Average total loans | $25,479,000 | 6,043 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8226% | 6,666 |
| Cost of funding earning assets | 0.6946% | 2,265 |
| Net interest margin | 2.1280% | 6,799 |
| Noninterest income to average assets | 0.3810% | 4,616 |
| Noninterest expense to average assets | 2.3658% | 5,212 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0676% | 6,214 |
| Return on assets (ROA) | 0.0676% | 6,300 |
| Pretax return on assets | 0.0860% | 6,280 |
| Return on Equity (ROE) | 0.6336% | 6,299 |
| Retained earnings to average equity (ytd only) | 0.6336% | 5,576 |
| Net charge-offs to loans | -0.0314% | 5,913 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4912% | 703 |
| Assets per employee ($millions) | 4.6321% | 2,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7194% | 2,928 |
| Loan loss allowance to noncurrent loans | 36.6638% | 5,745 |
| Noncurrent assets plus other real estate owned to assets | 1.8211% | 2,584 |
| Noncurrent loans to loans | 4.6897% | 858 |
| Net loans and leases to total assets | 38.1650% | 6,138 |
| Net loans and leases to deposits | 42.9166% | 6,276 |
| Net loans and leases to core deposits | 43.5962% | 6,332 |
| Total domestic deposits to total assets | 88.9283% | 1,721 |
| Equity capital to assets | 10.7062% | 3,311 |
| Core capital (leverage) ratio | 10.6278% | 2,626 |
| Tier 1 risk-based capital ratio | 28.5356% | 608 |
| Total risk-based capital ratio | 29.7922% | 601 |
| Memoranda: | ||
| Average total assets | $65,093,500 | 5,774 |
| Average earning assets | $63,345,000 | 5,634 |
| Average equity | $6,944,500 | 5,757 |
| Average total loans | $25,493,500 | 6,094 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4412% | 6,428 |
| Cost of funding earning assets | 0.8730% | 2,114 |
| Net interest margin | 2.5682% | 6,660 |
| Noninterest income to average assets | 0.3859% | 4,717 |
| Noninterest expense to average assets | 2.7156% | 4,345 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1340% | 5,930 |
| Return on assets (ROA) | 0.1340% | 6,085 |
| Pretax return on assets | 0.1259% | 6,110 |
| Return on Equity (ROE) | 1.1482% | 6,103 |
| Retained earnings to average equity (ytd only) | -3.7073% | 6,333 |
| Net charge-offs to loans | -0.0235% | 6,577 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5682% | 724 |
| Assets per employee ($millions) | 4.6669% | 2,685 |
| Cash dividends to net income (ytd only)* | 422.8916% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6703% | 3,040 |
| Loan loss allowance to noncurrent loans | 42.8429% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 1.5397% | 3,080 |
| Noncurrent loans to loans | 3.8986% | 1,239 |
| Net loans and leases to total assets | 38.8340% | 6,240 |
| Net loans and leases to deposits | 43.6067% | 6,389 |
| Net loans and leases to core deposits | 44.2895% | 6,450 |
| Total domestic deposits to total assets | 89.0552% | 1,525 |
| Equity capital to assets | 10.6310% | 3,364 |
| Core capital (leverage) ratio | 11.0560% | 2,210 |
| Tier 1 risk-based capital ratio | 23.4305% | 1,047 |
| Total risk-based capital ratio | 24.6834% | 1,025 |
| Memoranda: | ||
| Average total assets | $61,938,400 | 5,875 |
| Average earning assets | $59,223,800 | 5,773 |
| Average equity | $7,229,000 | 5,697 |
| Average total loans | $25,514,200 | 6,160 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5699% | 6,427 |
| Cost of funding earning assets | 0.9016% | 2,160 |
| Net interest margin | 2.6682% | 6,687 |
| Noninterest income to average assets | 0.3776% | 4,801 |
| Noninterest expense to average assets | 2.7369% | 4,229 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1790% | 5,970 |
| Return on assets (ROA) | 0.1790% | 6,124 |
| Pretax return on assets | 0.1790% | 6,156 |
| Return on Equity (ROE) | 1.4977% | 6,158 |
| Retained earnings to average equity (ytd only) | 1.4977% | 5,587 |
| Net charge-offs to loans | -0.0209% | 6,505 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8623% | 783 |
| Assets per employee ($millions) | 4.4384% | 3,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6906% | 3,184 |
| Loan loss allowance to noncurrent loans | 38.2012% | 5,732 |
| Noncurrent assets plus other real estate owned to assets | 1.8073% | 2,903 |
| Noncurrent loans to loans | 4.4256% | 1,074 |
| Net loans and leases to total assets | 40.1468% | 6,271 |
| Net loans and leases to deposits | 45.7071% | 6,406 |
| Net loans and leases to core deposits | 46.4665% | 6,490 |
| Total domestic deposits to total assets | 87.8349% | 2,144 |
| Equity capital to assets | 11.7997% | 2,437 |
| Core capital (leverage) ratio | 11.8518% | 1,747 |
| Tier 1 risk-based capital ratio | 25.4097% | 872 |
| Total risk-based capital ratio | 26.6613% | 857 |
| Memoranda: | ||
| Average total assets | $61,088,750 | 5,966 |
| Average earning assets | $58,114,750 | 5,877 |
| Average equity | $7,299,750 | 5,747 |
| Average total loans | $25,441,750 | 6,250 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6407% | 6,436 |
| Cost of funding earning assets | 0.9293% | 2,192 |
| Net interest margin | 2.7114% | 6,699 |
| Noninterest income to average assets | 0.3787% | 4,808 |
| Noninterest expense to average assets | 2.7890% | 4,051 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1548% | 6,029 |
| Return on assets (ROA) | 0.1548% | 6,198 |
| Pretax return on assets | 0.1548% | 6,219 |
| Return on Equity (ROE) | 1.2896% | 6,240 |
| Retained earnings to average equity (ytd only) | 1.2896% | 5,551 |
| Net charge-offs to loans | -0.0236% | 6,465 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7427% | 768 |
| Assets per employee ($millions) | 4.2679% | 3,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6773% | 3,331 |
| Loan loss allowance to noncurrent loans | 45.1954% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 1.5849% | 3,341 |
| Noncurrent loans to loans | 3.7113% | 1,524 |
| Net loans and leases to total assets | 41.9900% | 6,185 |
| Net loans and leases to deposits | 48.0135% | 6,307 |
| Net loans and leases to core deposits | 48.8455% | 6,413 |
| Total domestic deposits to total assets | 87.4544% | 2,495 |
| Equity capital to assets | 12.2075% | 2,000 |
| Core capital (leverage) ratio | 11.7670% | 1,746 |
| Tier 1 risk-based capital ratio | 25.6772% | 841 |
| Total risk-based capital ratio | 26.9306% | 824 |
| Memoranda: | ||
| Average total assets | $60,739,330 | 6,010 |
| Average earning assets | $57,461,330 | 5,925 |
| Average equity | $7,289,000 | 5,761 |
| Average total loans | $25,464,000 | 6,289 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6364% | 6,531 |
| Cost of funding earning assets | 0.9468% | 2,318 |
| Net interest margin | 2.6896% | 6,783 |
| Noninterest income to average assets | 0.3723% | 4,882 |
| Noninterest expense to average assets | 2.7632% | 4,189 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0980% | 6,240 |
| Return on assets (ROA) | 0.0980% | 6,366 |
| Pretax return on assets | 0.1698% | 6,252 |
| Return on Equity (ROE) | 0.8234% | 6,384 |
| Retained earnings to average equity (ytd only) | 0.8234% | 5,730 |
| Net charge-offs to loans | -0.0629% | 6,624 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2094% | 809 |
| Assets per employee ($millions) | 4.3838% | 3,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7004% | 3,351 |
| Loan loss allowance to noncurrent loans | 45.0630% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 1.5512% | 3,535 |
| Noncurrent loans to loans | 3.7734% | 1,641 |
| Net loans and leases to total assets | 40.4086% | 6,316 |
| Net loans and leases to deposits | 46.0359% | 6,427 |
| Net loans and leases to core deposits | 46.8066% | 6,519 |
| Total domestic deposits to total assets | 87.7764% | 2,482 |
| Equity capital to assets | 11.8440% | 2,153 |
| Core capital (leverage) ratio | 11.5993% | 1,836 |
| Tier 1 risk-based capital ratio | 25.4180% | 862 |
| Total risk-based capital ratio | 26.6711% | 839 |
| Memoranda: | ||
| Average total assets | $61,234,000 | 6,030 |
| Average earning assets | $58,299,500 | 5,928 |
| Average equity | $7,286,500 | 5,794 |
| Average total loans | $25,437,500 | 6,342 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0078% | 6,440 |
| Cost of funding earning assets | 1.1296% | 2,471 |
| Net interest margin | 2.8782% | 6,723 |
| Noninterest income to average assets | 0.3813% | 4,776 |
| Noninterest expense to average assets | 2.8375% | 4,206 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2570% | 5,408 |
| Return on assets (ROA) | 0.2570% | 5,551 |
| Pretax return on assets | 0.3064% | 5,540 |
| Return on Equity (ROE) | 2.0808% | 5,628 |
| Retained earnings to average equity (ytd only) | 2.0808% | 4,731 |
| Net charge-offs to loans | 0.2595% | 4,154 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 2.6471% | 3,892 |
| Efficiency ratio | 90.2545% | 1,163 |
| Assets per employee ($millions) | 4.3639% | 3,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6572% | 3,347 |
| Loan loss allowance to noncurrent loans | 34.2466% | 5,921 |
| Noncurrent assets plus other real estate owned to assets | 2.0313% | 2,922 |
| Noncurrent loans to loans | 4.8390% | 1,193 |
| Net loans and leases to total assets | 41.2816% | 6,444 |
| Net loans and leases to deposits | 47.0638% | 6,560 |
| Net loans and leases to core deposits | 47.8531% | 6,650 |
| Total domestic deposits to total assets | 87.7142% | 2,325 |
| Equity capital to assets | 11.9552% | 2,161 |
| Core capital (leverage) ratio | 11.9548% | 1,617 |
| Tier 1 risk-based capital ratio | 24.8123% | 885 |
| Total risk-based capital ratio | 26.0657% | 876 |
| Memoranda: | ||
| Average total assets | $58,749,200 | 6,083 |
| Average earning assets | $56,389,400 | 5,965 |
| Average equity | $7,256,800 | 5,792 |
| Average total loans | $26,208,600 | 6,341 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1188% | 6,367 |
| Cost of funding earning assets | 1.1566% | 2,590 |
| Net interest margin | 2.9621% | 6,649 |
| Noninterest income to average assets | 0.3782% | 4,835 |
| Noninterest expense to average assets | 2.8036% | 4,332 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3439% | 5,234 |
| Return on assets (ROA) | 0.3439% | 5,412 |
| Pretax return on assets | 0.4103% | 5,438 |
| Return on Equity (ROE) | 2.7605% | 5,519 |
| Retained earnings to average equity (ytd only) | 2.7605% | 4,709 |
| Net charge-offs to loans | 0.1872% | 4,301 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 4.8380% | 2,949 |
| Efficiency ratio | 87.2325% | 1,417 |
| Assets per employee ($millions) | 4.2261% | 3,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7579% | 3,078 |
| Loan loss allowance to noncurrent loans | 44.4012% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 1.7358% | 3,496 |
| Noncurrent loans to loans | 3.9591% | 1,673 |
| Net loans and leases to total assets | 43.0728% | 6,426 |
| Net loans and leases to deposits | 49.4317% | 6,531 |
| Net loans and leases to core deposits | 50.3050% | 6,656 |
| Total domestic deposits to total assets | 87.1360% | 2,559 |
| Equity capital to assets | 12.4043% | 1,969 |
| Core capital (leverage) ratio | 12.2135% | 1,588 |
| Tier 1 risk-based capital ratio | 24.4155% | 964 |
| Total risk-based capital ratio | 25.6693% | 951 |
| Memoranda: | ||
| Average total assets | $58,162,750 | 6,145 |
| Average earning assets | $55,679,000 | 6,045 |
| Average equity | $7,245,000 | 5,830 |
| Average total loans | $26,349,250 | 6,394 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1265% | 6,428 |
| Cost of funding earning assets | 1.1837% | 2,684 |
| Net interest margin | 2.9429% | 6,709 |
| Noninterest income to average assets | 0.3839% | 4,809 |
| Noninterest expense to average assets | 2.7460% | 4,639 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3874% | 5,010 |
| Return on assets (ROA) | 0.3874% | 5,145 |
| Pretax return on assets | 0.4496% | 5,231 |
| Return on Equity (ROE) | 3.1052% | 5,356 |
| Retained earnings to average equity (ytd only) | 3.1052% | 4,299 |
| Net charge-offs to loans | 0.1057% | 4,629 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 9.2857% | 1,944 |
| Efficiency ratio | 85.9307% | 1,607 |
| Assets per employee ($millions) | 3.8458% | 4,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8312% | 2,890 |
| Loan loss allowance to noncurrent loans | 60.5063% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 1.3695% | 4,164 |
| Noncurrent loans to loans | 3.0265% | 2,395 |
| Net loans and leases to total assets | 44.4208% | 6,402 |
| Net loans and leases to deposits | 51.0957% | 6,528 |
| Net loans and leases to core deposits | 52.0199% | 6,663 |
| Total domestic deposits to total assets | 86.9364% | 2,777 |
| Equity capital to assets | 12.6320% | 1,718 |
| Core capital (leverage) ratio | 12.3635% | 1,419 |
| Tier 1 risk-based capital ratio | 23.6730% | 1,041 |
| Total risk-based capital ratio | 24.8885% | 1,031 |
| Memoranda: | ||
| Average total assets | $57,828,670 | 6,212 |
| Average earning assets | $55,252,000 | 6,114 |
| Average equity | $7,213,670 | 5,863 |
| Average total loans | $26,485,670 | 6,453 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0729% | 6,559 |
| Cost of funding earning assets | 1.2111% | 2,741 |
| Net interest margin | 2.8618% | 6,816 |
| Noninterest income to average assets | 0.3731% | 4,927 |
| Noninterest expense to average assets | 2.7289% | 4,722 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3316% | 5,262 |
| Return on assets (ROA) | 0.3316% | 5,339 |
| Pretax return on assets | 0.3869% | 5,381 |
| Return on Equity (ROE) | 2.6752% | 5,531 |
| Retained earnings to average equity (ytd only) | 2.6752% | 4,559 |
| Net charge-offs to loans | 0.1050% | 3,907 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 1,868 |
| Efficiency ratio | 87.5831% | 1,559 |
| Assets per employee ($millions) | 3.8611% | 4,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8555% | 2,839 |
| Loan loss allowance to noncurrent loans | 58.8378% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 1.4262% | 4,136 |
| Noncurrent loans to loans | 3.1535% | 2,385 |
| Net loans and leases to total assets | 44.3867% | 6,441 |
| Net loans and leases to deposits | 50.9019% | 6,556 |
| Net loans and leases to core deposits | 51.8098% | 6,689 |
| Total domestic deposits to total assets | 87.2004% | 2,831 |
| Equity capital to assets | 12.3748% | 1,696 |
| Core capital (leverage) ratio | 12.1273% | 1,495 |
| Tier 1 risk-based capital ratio | 23.3680% | 1,046 |
| Total risk-based capital ratio | 24.5821% | 1,032 |
| Memoranda: | ||
| Average total assets | $57,899,500 | 6,261 |
| Average earning assets | $55,489,000 | 6,146 |
| Average equity | $7,177,000 | 5,874 |
| Average total loans | $26,677,000 | 6,491 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7483% | 5,626 |
| Cost of funding earning assets | 1.3717% | 3,447 |
| Net interest margin | 3.3766% | 5,712 |
| Noninterest income to average assets | 0.4254% | 4,707 |
| Noninterest expense to average assets | 3.0880% | 3,511 |
| Loan and lease loss provision to assets | 0.1152% | 6,005 |
| Net operating income to assets | 0.3952% | 4,562 |
| Return on assets (ROA) | 0.3847% | 4,760 |
| Pretax return on assets | 0.4520% | 4,785 |
| Return on Equity (ROE) | 3.0086% | 4,953 |
| Retained earnings to average equity (ytd only) | 3.0086% | 3,744 |
| Net charge-offs to loans | 0.2887% | 4,576 |
| Credit loss provision to net charge-offs | 82.2785% | 5,477 |
| Earnings coverage of net charge-offs (x) | 4.1392% | 3,045 |
| Efficiency ratio | 84.1953% | 1,894 |
| Assets per employee ($millions) | 3.8589% | 4,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8151% | 2,816 |
| Loan loss allowance to noncurrent loans | 70.1280% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.2145% | 4,599 |
| Noncurrent loans to loans | 2.5883% | 2,945 |
| Net loans and leases to total assets | 46.0722% | 6,553 |
| Net loans and leases to deposits | 52.7724% | 6,688 |
| Net loans and leases to core deposits | 54.0922% | 6,809 |
| Total domestic deposits to total assets | 87.3037% | 2,668 |
| Equity capital to assets | 12.4164% | 1,686 |
| Core capital (leverage) ratio | 11.9749% | 1,566 |
| Tier 1 risk-based capital ratio | 22.9252% | 1,049 |
| Total risk-based capital ratio | 24.1470% | 1,031 |
| Memoranda: | ||
| Average total assets | $56,411,200 | 6,329 |
| Average earning assets | $54,166,600 | 6,212 |
| Average equity | $7,212,600 | 5,959 |
| Average total loans | $27,366,200 | 6,536 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7708% | 5,782 |
| Cost of funding earning assets | 1.3861% | 3,659 |
| Net interest margin | 3.3847% | 5,731 |
| Noninterest income to average assets | 0.4330% | 4,690 |
| Noninterest expense to average assets | 3.0571% | 3,548 |
| Loan and lease loss provision to assets | 0.0595% | 6,472 |
| Net operating income to assets | 0.4020% | 4,743 |
| Return on assets (ROA) | 0.3902% | 4,971 |
| Pretax return on assets | 0.5472% | 4,770 |
| Return on Equity (ROE) | 3.0290% | 5,207 |
| Retained earnings to average equity (ytd only) | 3.0290% | 4,312 |
| Net charge-offs to loans | 0.0340% | 6,221 |
| Credit loss provision to net charge-offs | 357.1429% | 872 |
| Earnings coverage of net charge-offs (x) | 37.4405% | 727 |
| Efficiency ratio | 83.0640% | 1,943 |
| Assets per employee ($millions) | 3.7933% | 4,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9157% | 2,435 |
| Loan loss allowance to noncurrent loans | 44.6049% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 2.0685% | 3,378 |
| Noncurrent loans to loans | 4.2948% | 1,693 |
| Net loans and leases to total assets | 47.2408% | 6,584 |
| Net loans and leases to deposits | 54.4791% | 6,732 |
| Net loans and leases to core deposits | 55.8569% | 6,868 |
| Total domestic deposits to total assets | 86.7135% | 2,688 |
| Equity capital to assets | 12.7733% | 1,697 |
| Core capital (leverage) ratio | 12.3514% | 1,479 |
| Tier 1 risk-based capital ratio | 24.6125% | 886 |
| Total risk-based capital ratio | 25.8709% | 870 |
| Memoranda: | ||
| Average total assets | $56,043,250 | 6,414 |
| Average earning assets | $53,770,250 | 6,286 |
| Average equity | $7,219,000 | 6,037 |
| Average total loans | $27,417,500 | 6,619 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7552% | 5,951 |
| Cost of funding earning assets | 1.3907% | 3,933 |
| Net interest margin | 3.3645% | 5,777 |
| Noninterest income to average assets | 0.4161% | 4,790 |
| Noninterest expense to average assets | 2.9736% | 3,815 |
| Loan and lease loss provision to assets | 0.0359% | 6,600 |
| Net operating income to assets | 0.4744% | 4,442 |
| Return on assets (ROA) | 0.4555% | 4,686 |
| Pretax return on assets | 0.6098% | 4,541 |
| Return on Equity (ROE) | 3.5265% | 5,006 |
| Retained earnings to average equity (ytd only) | 3.5265% | 3,863 |
| Net charge-offs to loans | 0.0583% | 5,576 |
| Credit loss provision to net charge-offs | 125.0000% | 3,227 |
| Earnings coverage of net charge-offs (x) | 23.3750% | 1,107 |
| Efficiency ratio | 81.5945% | 2,223 |
| Assets per employee ($millions) | 3.6786% | 4,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8242% | 2,653 |
| Loan loss allowance to noncurrent loans | 51.1558% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 1.8032% | 3,752 |
| Noncurrent loans to loans | 3.5661% | 2,211 |
| Net loans and leases to total assets | 49.6439% | 6,472 |
| Net loans and leases to deposits | 57.5048% | 6,614 |
| Net loans and leases to core deposits | 59.0290% | 6,763 |
| Total domestic deposits to total assets | 86.3299% | 2,915 |
| Equity capital to assets | 13.1789% | 1,485 |
| Core capital (leverage) ratio | 12.4386% | 1,426 |
| Tier 1 risk-based capital ratio | 24.1211% | 932 |
| Total risk-based capital ratio | 25.3784% | 911 |
| Memoranda: | ||
| Average total assets | $55,757,670 | 6,465 |
| Average earning assets | $53,499,670 | 6,346 |
| Average equity | $7,202,670 | 6,068 |
| Average total loans | $27,421,670 | 6,666 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7647% | 6,021 |
| Cost of funding earning assets | 1.3751% | 4,329 |
| Net interest margin | 3.3895% | 5,625 |
| Noninterest income to average assets | 0.3711% | 5,178 |
| Noninterest expense to average assets | 2.9475% | 3,867 |
| Loan and lease loss provision to assets | 0.0714% | 5,921 |
| Net operating income to assets | 0.4356% | 4,687 |
| Return on assets (ROA) | 0.3997% | 4,984 |
| Pretax return on assets | 0.5567% | 4,762 |
| Return on Equity (ROE) | 3.1250% | 5,283 |
| Retained earnings to average equity (ytd only) | 3.1250% | 4,269 |
| Net charge-offs to loans | 0.1472% | 4,048 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,844 |
| Efficiency ratio | 81.2992% | 2,373 |
| Assets per employee ($millions) | 3.7143% | 4,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9007% | 2,440 |
| Loan loss allowance to noncurrent loans | 53.1447% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 1.7123% | 3,908 |
| Noncurrent loans to loans | 3.5765% | 2,232 |
| Net loans and leases to total assets | 46.9658% | 6,754 |
| Net loans and leases to deposits | 54.2209% | 6,900 |
| Net loans and leases to core deposits | 55.6307% | 7,011 |
| Total domestic deposits to total assets | 86.6194% | 2,833 |
| Equity capital to assets | 12.8745% | 1,569 |
| Core capital (leverage) ratio | 11.8752% | 1,710 |
| Tier 1 risk-based capital ratio | 24.3259% | 931 |
| Total risk-based capital ratio | 25.5849% | 908 |
| Memoranda: | ||
| Average total assets | $56,047,000 | 6,532 |
| Average earning assets | $53,812,500 | 6,402 |
| Average equity | $7,168,000 | 6,126 |
| Average total loans | $27,181,500 | 6,769 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3242% | 5,064 |
| Cost of funding earning assets | 1.6649% | 4,700 |
| Net interest margin | 3.6593% | 4,313 |
| Noninterest income to average assets | 0.4397% | 4,887 |
| Noninterest expense to average assets | 3.1577% | 3,517 |
| Loan and lease loss provision to assets | 0.0886% | 6,728 |
| Net operating income to assets | 0.4167% | 4,062 |
| Return on assets (ROA) | 0.4167% | 4,166 |
| Pretax return on assets | 0.5408% | 4,077 |
| Return on Equity (ROE) | 3.1929% | 4,420 |
| Retained earnings to average equity (ytd only) | -4.9592% | 6,016 |
| Net charge-offs to loans | 0.1999% | 5,397 |
| Credit loss provision to net charge-offs | 92.5926% | 5,911 |
| Earnings coverage of net charge-offs (x) | 6.5741% | 2,334 |
| Efficiency ratio | 83.3801% | 2,432 |
| Assets per employee ($millions) | 3.5237% | 4,955 |
| Cash dividends to net income (ytd only)* | 255.3191% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8311% | 2,448 |
| Loan loss allowance to noncurrent loans | 56.6480% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 1.5875% | 3,998 |
| Noncurrent loans to loans | 3.2323% | 2,361 |
| Net loans and leases to total assets | 48.2130% | 6,794 |
| Net loans and leases to deposits | 55.4973% | 6,948 |
| Net loans and leases to core deposits | 63.0307% | 7,149 |
| Total domestic deposits to total assets | 86.8745% | 2,575 |
| Equity capital to assets | 12.7051% | 1,644 |
| Core capital (leverage) ratio | 11.8856% | 1,712 |
| Tier 1 risk-based capital ratio | 23.2306% | 1,018 |
| Total risk-based capital ratio | 24.4884% | 999 |
| Memoranda: | ||
| Average total assets | $56,401,600 | 6,476 |
| Average earning assets | $51,594,600 | 6,475 |
| Average equity | $7,360,000 | 6,148 |
| Average total loans | $27,013,800 | 6,804 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4172% | 4,865 |
| Cost of funding earning assets | 1.7220% | 4,792 |
| Net interest margin | 3.6952% | 4,094 |
| Noninterest income to average assets | 0.4562% | 4,860 |
| Noninterest expense to average assets | 3.1154% | 3,600 |
| Loan and lease loss provision to assets | 0.1182% | 6,183 |
| Net operating income to assets | 0.4137% | 4,346 |
| Return on assets (ROA) | 0.4137% | 4,443 |
| Pretax return on assets | 0.5602% | 4,330 |
| Return on Equity (ROE) | 3.1492% | 4,725 |
| Retained earnings to average equity (ytd only) | -7.6479% | 6,560 |
| Net charge-offs to loans | 0.2632% | 4,398 |
| Credit loss provision to net charge-offs | 94.3396% | 5,360 |
| Earnings coverage of net charge-offs (x) | 5.4155% | 2,828 |
| Efficiency ratio | 82.1184% | 2,564 |
| Assets per employee ($millions) | 3.5882% | 4,713 |
| Cash dividends to net income (ytd only)* | 342.8535% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8652% | 2,116 |
| Loan loss allowance to noncurrent loans | 49.6094% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 1.7836% | 3,682 |
| Noncurrent loans to loans | 3.7599% | 1,980 |
| Net loans and leases to total assets | 46.5538% | 7,065 |
| Net loans and leases to deposits | 53.5697% | 7,235 |
| Net loans and leases to core deposits | 60.4889% | 7,385 |
| Total domestic deposits to total assets | 86.9032% | 2,229 |
| Equity capital to assets | 12.4906% | 1,964 |
| Core capital (leverage) ratio | 11.8225% | 1,890 |
| Tier 1 risk-based capital ratio | 23.5924% | 1,043 |
| Total risk-based capital ratio | 24.8492% | 1,018 |
| Memoranda: | ||
| Average total assets | $56,407,250 | 6,526 |
| Average earning assets | $50,947,250 | 6,540 |
| Average equity | $7,409,250 | 6,183 |
| Average total loans | $26,845,000 | 6,862 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5684% | 4,225 |
| Cost of funding earning assets | 1.7982% | 4,770 |
| Net interest margin | 3.7702% | 3,674 |
| Noninterest income to average assets | 0.4066% | 5,228 |
| Noninterest expense to average assets | 2.9711% | 4,203 |
| Loan and lease loss provision to assets | 0.1783% | 5,265 |
| Net operating income to assets | 0.4387% | 4,342 |
| Return on assets (ROA) | 0.4387% | 4,450 |
| Pretax return on assets | 0.5850% | 4,364 |
| Return on Equity (ROE) | 3.2850% | 4,791 |
| Retained earnings to average equity (ytd only) | 3.2850% | 3,494 |
| Net charge-offs to loans | 0.3668% | 3,353 |
| Credit loss provision to net charge-offs | 102.0408% | 4,484 |
| Earnings coverage of net charge-offs (x) | 4.3673% | 3,114 |
| Efficiency ratio | 79.5606% | 3,119 |
| Assets per employee ($millions) | 3.0786% | 5,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9208% | 1,739 |
| Loan loss allowance to noncurrent loans | 53.0570% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 1.7414% | 3,569 |
| Noncurrent loans to loans | 3.6202% | 1,922 |
| Net loans and leases to total assets | 47.1786% | 7,106 |
| Net loans and leases to deposits | 55.1887% | 7,207 |
| Net loans and leases to core deposits | 63.6742% | 7,314 |
| Total domestic deposits to total assets | 85.4859% | 3,021 |
| Equity capital to assets | 13.5559% | 1,476 |
| Core capital (leverage) ratio | 12.6910% | 1,541 |
| Tier 1 risk-based capital ratio | 25.9298% | 869 |
| Total risk-based capital ratio | 27.1866% | 841 |
| Memoranda: | ||
| Average total assets | $56,072,670 | 6,592 |
| Average earning assets | $49,493,670 | 6,652 |
| Average equity | $7,488,670 | 6,186 |
| Average total loans | $26,715,000 | 6,930 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5732% | 4,505 |
| Cost of funding earning assets | 1.8307% | 4,971 |
| Net interest margin | 3.7425% | 3,694 |
| Noninterest income to average assets | 0.4042% | 5,183 |
| Noninterest expense to average assets | 2.8581% | 4,312 |
| Loan and lease loss provision to assets | 0.3333% | 3,325 |
| Net operating income to assets | 0.3404% | 5,112 |
| Return on assets (ROA) | 0.3404% | 5,295 |
| Pretax return on assets | 0.4893% | 5,108 |
| Return on Equity (ROE) | 2.5679% | 5,540 |
| Retained earnings to average equity (ytd only) | 2.5679% | 4,451 |
| Net charge-offs to loans | 0.7329% | 1,721 |
| Credit loss provision to net charge-offs | 95.9184% | 3,874 |
| Earnings coverage of net charge-offs (x) | 2.3673% | 3,547 |
| Efficiency ratio | 77.6493% | 3,230 |
| Assets per employee ($millions) | 3.2828% | 5,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9202% | 1,577 |
| Loan loss allowance to noncurrent loans | 52.2587% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 1.7453% | 3,301 |
| Noncurrent loans to loans | 3.6745% | 1,703 |
| Net loans and leases to total assets | 46.5856% | 7,146 |
| Net loans and leases to deposits | 54.4267% | 7,261 |
| Net loans and leases to core deposits | 61.5221% | 7,406 |
| Total domestic deposits to total assets | 85.5932% | 2,927 |
| Equity capital to assets | 13.3926% | 1,578 |
| Core capital (leverage) ratio | 12.6441% | 1,627 |
| Tier 1 risk-based capital ratio | 25.7025% | 915 |
| Total risk-based capital ratio | 26.9615% | 894 |
| Memoranda: | ||
| Average total assets | $56,401,500 | 6,614 |
| Average earning assets | $49,379,000 | 6,693 |
| Average equity | $7,477,000 | 6,229 |
| Average total loans | $26,744,500 | 6,955 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7805% | 6,499 |
| Cost of funding earning assets | 2.3547% | 4,910 |
| Net interest margin | 3.4259% | 5,556 |
| Noninterest income to average assets | 0.4362% | 5,159 |
| Noninterest expense to average assets | 2.9462% | 4,276 |
| Loan and lease loss provision to assets | 0.2002% | 4,894 |
| Net operating income to assets | 0.2834% | 5,597 |
| Return on assets (ROA) | 0.3522% | 5,153 |
| Pretax return on assets | 0.5041% | 4,964 |
| Return on Equity (ROE) | 2.7437% | 5,325 |
| Retained earnings to average equity (ytd only) | 2.7437% | 3,472 |
| Net charge-offs to loans | 0.4100% | 2,766 |
| Credit loss provision to net charge-offs | 103.7037% | 5,159 |
| Earnings coverage of net charge-offs (x) | 3.1389% | 4,517 |
| Efficiency ratio | 82.9391% | 2,189 |
| Assets per employee ($millions) | 3.5623% | 4,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8939% | 1,429 |
| Loan loss allowance to noncurrent loans | 60.4019% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 1.4843% | 3,252 |
| Noncurrent loans to loans | 3.1354% | 1,685 |
| Net loans and leases to total assets | 46.4436% | 7,287 |
| Net loans and leases to deposits | 54.1318% | 7,431 |
| Net loans and leases to core deposits | 61.7342% | 7,518 |
| Total domestic deposits to total assets | 85.7972% | 2,497 |
| Equity capital to assets | 13.1237% | 1,741 |
| Core capital (leverage) ratio | 12.3015% | 1,839 |
| Tier 1 risk-based capital ratio | 24.9920% | 988 |
| Total risk-based capital ratio | 26.2496% | 971 |
| Memoranda: | ||
| Average total assets | $55,937,000 | 6,533 |
| Average earning assets | $50,877,800 | 6,560 |
| Average equity | $7,180,000 | 6,391 |
| Average total loans | $26,339,600 | 6,944 |