Home > The Citizens National Bank of Meyersdale > Performance and Condition Ratios
The Citizens National Bank of Meyersdale, 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 | 3.3702% | 5,223 |
| Cost of funding earning assets | 0.8498% | 372 |
| Net interest margin | 2.5204% | 5,818 |
| Noninterest income to average assets | 0.2333% | 5,196 |
| Noninterest expense to average assets | 3.0306% | 2,442 |
| Loan and lease loss provision to assets | -0.1261% | 5,893 |
| Net operating income to assets | -0.2158% | 5,970 |
| Return on assets (ROA) | -0.1778% | 5,972 |
| Pretax return on assets | -0.3115% | 5,986 |
| Return on Equity (ROE) | -2.1613% | 5,986 |
| Retained earnings to average equity (ytd only) | -2.1613% | 5,760 |
| Net charge-offs to loans | -0.0059% | 5,002 |
| Credit loss provision to net charge-offs | 3,333.3333% | 115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.6117% | 93 |
| Assets per employee ($millions) | 4.9467% | 2,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9701% | 4,769 |
| Loan loss allowance to noncurrent loans | 117.1134% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.6514% | 3,092 |
| Noncurrent loans to loans | 0.8283% | 2,722 |
| Net loans and leases to total assets | 65.1217% | 3,105 |
| Net loans and leases to deposits | 78.7604% | 2,967 |
| Net loans and leases to core deposits | 81.3345% | 3,213 |
| Total domestic deposits to total assets | 82.6833% | 3,951 |
| Equity capital to assets | 7.0630% | 6,048 |
| Core capital (leverage) ratio | 8.0138% | 5,831 |
| Tier 1 risk-based capital ratio | 14.8607% | 3,235 |
| Total risk-based capital ratio | 16.1235% | 3,170 |
| Memoranda: | ||
| Average total assets | $79,291,400 | 4,889 |
| Average earning assets | $72,369,600 | 4,887 |
| Average equity | $6,524,000 | 5,340 |
| Average total loans | $50,909,600 | 4,641 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3438% | 5,335 |
| Cost of funding earning assets | 0.8592% | 361 |
| Net interest margin | 2.4846% | 5,919 |
| Noninterest income to average assets | 0.3071% | 4,744 |
| Noninterest expense to average assets | 2.5832% | 3,934 |
| Loan and lease loss provision to assets | -0.1735% | 6,077 |
| Net operating income to assets | 0.1787% | 5,715 |
| Return on assets (ROA) | 0.2012% | 5,736 |
| Pretax return on assets | 0.1874% | 5,808 |
| Return on Equity (ROE) | 2.3495% | 5,590 |
| Retained earnings to average equity (ytd only) | 2.3495% | 4,708 |
| Net charge-offs to loans | -0.0082% | 4,928 |
| Credit loss provision to net charge-offs | 3,333.3333% | 109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3369% | 292 |
| Assets per employee ($millions) | 4.7260% | 2,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9920% | 4,790 |
| Loan loss allowance to noncurrent loans | 138.8753% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.6759% | 3,226 |
| Noncurrent loans to loans | 0.7143% | 3,195 |
| Net loans and leases to total assets | 66.6420% | 2,913 |
| Net loans and leases to deposits | 81.7427% | 2,675 |
| Net loans and leases to core deposits | 83.3422% | 3,119 |
| Total domestic deposits to total assets | 81.5265% | 4,314 |
| Equity capital to assets | 7.8490% | 6,008 |
| Core capital (leverage) ratio | 9.1025% | 4,880 |
| Tier 1 risk-based capital ratio | 16.4279% | 2,614 |
| Total risk-based capital ratio | 17.6777% | 2,567 |
| Memoranda: | ||
| Average total assets | $76,854,000 | 4,988 |
| Average earning assets | $70,137,000 | 4,991 |
| Average equity | $6,582,750 | 5,395 |
| Average total loans | $48,998,750 | 4,753 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4235% | 5,175 |
| Cost of funding earning assets | 0.8855% | 309 |
| Net interest margin | 2.5380% | 5,929 |
| Noninterest income to average assets | 0.3157% | 4,694 |
| Noninterest expense to average assets | 2.8172% | 3,172 |
| Loan and lease loss provision to assets | -0.2698% | 6,213 |
| Net operating income to assets | 0.1565% | 5,797 |
| Return on assets (ROA) | 0.1754% | 5,812 |
| Pretax return on assets | 0.0998% | 5,931 |
| Return on Equity (ROE) | 1.9843% | 5,683 |
| Retained earnings to average equity (ytd only) | 1.9843% | 4,706 |
| Net charge-offs to loans | -0.0173% | 5,119 |
| Credit loss provision to net charge-offs | 2,500.0000% | 161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.1869% | 206 |
| Assets per employee ($millions) | 4.5777% | 2,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 3,509 |
| Loan loss allowance to noncurrent loans | 108.3810% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 0.7093% | 3,265 |
| Noncurrent loans to loans | 1.1533% | 2,337 |
| Net loans and leases to total assets | 57.7659% | 4,130 |
| Net loans and leases to deposits | 63.4325% | 4,581 |
| Net loans and leases to core deposits | 65.1073% | 4,719 |
| Total domestic deposits to total assets | 91.0667% | 278 |
| Equity capital to assets | 8.3384% | 5,803 |
| Core capital (leverage) ratio | 10.0113% | 3,579 |
| Tier 1 risk-based capital ratio | 18.4184% | 1,943 |
| Total risk-based capital ratio | 19.6747% | 1,908 |
| Memoranda: | ||
| Average total assets | $74,116,000 | 5,097 |
| Average earning assets | $67,533,670 | 5,114 |
| Average equity | $6,551,330 | 5,442 |
| Average total loans | $46,245,330 | 4,882 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5243% | 4,899 |
| Cost of funding earning assets | 0.9191% | 261 |
| Net interest margin | 2.6051% | 5,918 |
| Noninterest income to average assets | 0.3266% | 4,575 |
| Noninterest expense to average assets | 3.2215% | 1,925 |
| Loan and lease loss provision to assets | -0.5535% | 6,355 |
| Net operating income to assets | 0.1273% | 5,832 |
| Return on assets (ROA) | 0.1273% | 5,894 |
| Pretax return on assets | 0.0277% | 6,019 |
| Return on Equity (ROE) | 1.3976% | 5,830 |
| Retained earnings to average equity (ytd only) | 1.3976% | 4,928 |
| Net charge-offs to loans | -0.0172% | 4,972 |
| Credit loss provision to net charge-offs | 5,000.0000% | 77 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.5072% | 133 |
| Assets per employee ($millions) | 4.5186% | 3,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 3,776 |
| Loan loss allowance to noncurrent loans | 104.6125% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.7870% | 3,143 |
| Noncurrent loans to loans | 1.1783% | 2,421 |
| Net loans and leases to total assets | 62.8394% | 3,254 |
| Net loans and leases to deposits | 71.3427% | 3,610 |
| Net loans and leases to core deposits | 72.8586% | 3,889 |
| Total domestic deposits to total assets | 88.0811% | 1,773 |
| Equity capital to assets | 9.1954% | 5,090 |
| Core capital (leverage) ratio | 10.1717% | 3,376 |
| Tier 1 risk-based capital ratio | 19.3362% | 1,783 |
| Total risk-based capital ratio | 20.5891% | 1,735 |
| Memoranda: | ||
| Average total assets | $72,263,500 | 5,190 |
| Average earning assets | $65,716,000 | 5,206 |
| Average equity | $6,582,500 | 5,487 |
| Average total loans | $46,606,500 | 4,894 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4108% | 5,509 |
| Cost of funding earning assets | 1.0695% | 161 |
| Net interest margin | 2.3413% | 6,251 |
| Noninterest income to average assets | 0.3261% | 4,788 |
| Noninterest expense to average assets | 3.4565% | 1,585 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.5886% | 6,320 |
| Return on assets (ROA) | -0.4689% | 6,290 |
| Pretax return on assets | -0.8076% | 6,336 |
| Return on Equity (ROE) | -5.3207% | 6,294 |
| Retained earnings to average equity (ytd only) | -5.3207% | 6,189 |
| Net charge-offs to loans | -0.1123% | 6,139 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.4004% | 66 |
| Assets per employee ($millions) | 4.5144% | 3,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4085% | 2,911 |
| Loan loss allowance to noncurrent loans | 125.7089% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 0.7753% | 3,274 |
| Noncurrent loans to loans | 1.1204% | 2,597 |
| Net loans and leases to total assets | 64.4469% | 3,153 |
| Net loans and leases to deposits | 71.4165% | 3,746 |
| Net loans and leases to core deposits | 72.8950% | 4,039 |
| Total domestic deposits to total assets | 90.2409% | 636 |
| Equity capital to assets | 9.0226% | 5,260 |
| Core capital (leverage) ratio | 9.8171% | 3,816 |
| Tier 1 risk-based capital ratio | 18.9197% | 1,872 |
| Total risk-based capital ratio | 20.1704% | 1,833 |
| Memoranda: | ||
| Average total assets | $79,127,200 | 5,090 |
| Average earning assets | $72,183,200 | 5,084 |
| Average equity | $6,972,800 | 5,423 |
| Average total loans | $43,651,200 | 5,047 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3600% | 5,654 |
| Cost of funding earning assets | 1.0766% | 165 |
| Net interest margin | 2.2833% | 6,345 |
| Noninterest income to average assets | 0.3166% | 4,908 |
| Noninterest expense to average assets | 2.8694% | 3,233 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.2777% | 6,305 |
| Return on assets (ROA) | -0.1880% | 6,268 |
| Pretax return on assets | -0.3282% | 6,308 |
| Return on Equity (ROE) | -2.1448% | 6,292 |
| Retained earnings to average equity (ytd only) | -2.1448% | 6,087 |
| Net charge-offs to loans | -0.1497% | 6,239 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.5055% | 134 |
| Assets per employee ($millions) | 5.0951% | 2,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4484% | 2,950 |
| Loan loss allowance to noncurrent loans | 120.9472% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.7589% | 3,539 |
| Noncurrent loans to loans | 1.1975% | 2,652 |
| Net loans and leases to total assets | 59.1165% | 3,913 |
| Net loans and leases to deposits | 65.4645% | 4,390 |
| Net loans and leases to core deposits | 67.5059% | 4,556 |
| Total domestic deposits to total assets | 90.3032% | 612 |
| Equity capital to assets | 9.3174% | 5,021 |
| Core capital (leverage) ratio | 9.4413% | 4,449 |
| Tier 1 risk-based capital ratio | 19.8367% | 1,713 |
| Total risk-based capital ratio | 21.0953% | 1,678 |
| Memoranda: | ||
| Average total assets | $80,851,500 | 5,098 |
| Average earning assets | $73,808,000 | 5,105 |
| Average equity | $7,086,750 | 5,444 |
| Average total loans | $42,760,250 | 5,131 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2493% | 5,872 |
| Cost of funding earning assets | 1.0680% | 176 |
| Net interest margin | 2.1812% | 6,462 |
| Noninterest income to average assets | 0.3182% | 4,870 |
| Noninterest expense to average assets | 2.7233% | 3,784 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1750% | 6,302 |
| Return on assets (ROA) | -0.1579% | 6,301 |
| Pretax return on assets | -0.3838% | 6,391 |
| Return on Equity (ROE) | -1.8374% | 6,321 |
| Retained earnings to average equity (ytd only) | -1.8374% | 5,972 |
| Net charge-offs to loans | 0.0096% | 4,079 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -84.5000% | 4,361 |
| Efficiency ratio | 117.7521% | 157 |
| Assets per employee ($millions) | 4.3651% | 3,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 3,830 |
| Loan loss allowance to noncurrent loans | 92.3423% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 0.7629% | 3,678 |
| Noncurrent loans to loans | 1.4137% | 2,438 |
| Net loans and leases to total assets | 53.2571% | 4,621 |
| Net loans and leases to deposits | 63.9488% | 4,507 |
| Net loans and leases to core deposits | 65.6009% | 4,676 |
| Total domestic deposits to total assets | 83.2808% | 4,197 |
| Equity capital to assets | 8.2233% | 6,010 |
| Core capital (leverage) ratio | 9.3729% | 4,499 |
| Tier 1 risk-based capital ratio | 18.9049% | 1,946 |
| Total risk-based capital ratio | 20.1611% | 1,909 |
| Memoranda: | ||
| Average total assets | $82,326,330 | 5,101 |
| Average earning assets | $75,278,330 | 5,100 |
| Average equity | $7,075,330 | 5,470 |
| Average total loans | $41,732,000 | 5,207 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0978% | 6,126 |
| Cost of funding earning assets | 1.1130% | 153 |
| Net interest margin | 1.9848% | 6,592 |
| Noninterest income to average assets | 0.3156% | 4,840 |
| Noninterest expense to average assets | 2.5101% | 4,591 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.2488% | 6,382 |
| Return on assets (ROA) | -0.2455% | 6,382 |
| Pretax return on assets | -0.3758% | 6,419 |
| Return on Equity (ROE) | -2.7906% | 6,397 |
| Retained earnings to average equity (ytd only) | -2.7906% | 5,945 |
| Net charge-offs to loans | 0.0205% | 3,169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -38.0000% | 3,635 |
| Efficiency ratio | 117.8824% | 191 |
| Assets per employee ($millions) | 4.1983% | 3,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6027% | 2,691 |
| Loan loss allowance to noncurrent loans | 44.6623% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 1.8717% | 1,848 |
| Noncurrent loans to loans | 3.5886% | 796 |
| Net loans and leases to total assets | 47.3335% | 5,201 |
| Net loans and leases to deposits | 52.1182% | 5,449 |
| Net loans and leases to core deposits | 53.2734% | 5,549 |
| Total domestic deposits to total assets | 90.8196% | 634 |
| Equity capital to assets | 8.8469% | 5,278 |
| Core capital (leverage) ratio | 9.7545% | 3,924 |
| Tier 1 risk-based capital ratio | 21.1486% | 1,446 |
| Total risk-based capital ratio | 22.4017% | 1,422 |
| Memoranda: | ||
| Average total assets | $79,839,000 | 5,212 |
| Average earning assets | $72,954,000 | 5,207 |
| Average equity | $7,023,500 | 5,511 |
| Average total loans | $39,043,500 | 5,356 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4771% | 5,688 |
| Cost of funding earning assets | 1.1813% | 195 |
| Net interest margin | 2.2958% | 6,527 |
| Noninterest income to average assets | 0.3663% | 4,693 |
| Noninterest expense to average assets | 3.2399% | 2,311 |
| Loan and lease loss provision to assets | 2.3868% | 31 |
| Net operating income to assets | -1.6883% | 6,690 |
| Return on assets (ROA) | -1.2974% | 6,648 |
| Pretax return on assets | -2.5369% | 6,739 |
| Return on Equity (ROE) | -13.9460% | 6,627 |
| Retained earnings to average equity (ytd only) | -13.9460% | 6,598 |
| Net charge-offs to loans | 5.3729% | 18 |
| Credit loss provision to net charge-offs | 86.1040% | 2,871 |
| Earnings coverage of net charge-offs (x) | -0.2745% | 5,165 |
| Efficiency ratio | 130.6959% | 118 |
| Assets per employee ($millions) | 3.9955% | 3,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5536% | 2,948 |
| Loan loss allowance to noncurrent loans | 47.2435% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 1.7795% | 2,076 |
| Noncurrent loans to loans | 3.2884% | 1,000 |
| Net loans and leases to total assets | 48.9275% | 5,203 |
| Net loans and leases to deposits | 53.7977% | 5,484 |
| Net loans and leases to core deposits | 54.9840% | 5,615 |
| Total domestic deposits to total assets | 90.9473% | 593 |
| Equity capital to assets | 8.7473% | 5,312 |
| Core capital (leverage) ratio | 9.6188% | 4,092 |
| Tier 1 risk-based capital ratio | 20.9098% | 1,436 |
| Total risk-based capital ratio | 22.1597% | 1,422 |
| Memoranda: | ||
| Average total assets | $84,632,400 | 5,125 |
| Average earning assets | $77,882,000 | 5,092 |
| Average equity | $7,873,200 | 5,375 |
| Average total loans | $43,663,600 | 5,208 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5694% | 5,526 |
| Cost of funding earning assets | 1.1904% | 209 |
| Net interest margin | 2.3791% | 6,531 |
| Noninterest income to average assets | 0.3341% | 5,021 |
| Noninterest expense to average assets | 3.3700% | 1,892 |
| Loan and lease loss provision to assets | 3.1385% | 14 |
| Net operating income to assets | -2.2515% | 6,814 |
| Return on assets (ROA) | -1.7821% | 6,789 |
| Pretax return on assets | -3.2489% | 6,851 |
| Return on Equity (ROE) | -18.8942% | 6,765 |
| Retained earnings to average equity (ytd only) | -18.8942% | 6,748 |
| Net charge-offs to loans | 6.9486% | 12 |
| Credit loss provision to net charge-offs | 86.8070% | 2,696 |
| Earnings coverage of net charge-offs (x) | -0.2333% | 4,919 |
| Efficiency ratio | 133.3948% | 116 |
| Assets per employee ($millions) | 5.4423% | 1,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5940% | 3,024 |
| Loan loss allowance to noncurrent loans | 47.7477% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 1.8926% | 2,142 |
| Noncurrent loans to loans | 3.3383% | 1,166 |
| Net loans and leases to total assets | 48.0970% | 5,334 |
| Net loans and leases to deposits | 52.7955% | 5,646 |
| Net loans and leases to core deposits | 54.3582% | 5,736 |
| Total domestic deposits to total assets | 91.1006% | 488 |
| Equity capital to assets | 8.5858% | 5,641 |
| Core capital (leverage) ratio | 9.3204% | 4,668 |
| Tier 1 risk-based capital ratio | 20.6107% | 1,576 |
| Total risk-based capital ratio | 21.8667% | 1,551 |
| Memoranda: | ||
| Average total assets | $85,813,000 | 5,133 |
| Average earning assets | $79,077,000 | 5,109 |
| Average equity | $8,094,000 | 5,368 |
| Average total loans | $44,650,750 | 5,215 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7509% | 4,985 |
| Cost of funding earning assets | 1.1891% | 223 |
| Net interest margin | 2.5618% | 6,371 |
| Noninterest income to average assets | 0.3440% | 4,937 |
| Noninterest expense to average assets | 3.5135% | 1,575 |
| Loan and lease loss provision to assets | 4.6327% | 5 |
| Net operating income to assets | -3.6825% | 6,912 |
| Return on assets (ROA) | -3.3690% | 6,907 |
| Pretax return on assets | -4.9744% | 6,920 |
| Return on Equity (ROE) | -34.7459% | 6,873 |
| Retained earnings to average equity (ytd only) | -34.7459% | 6,865 |
| Net charge-offs to loans | 10.0834% | 6 |
| Credit loss provision to net charge-offs | 86.6581% | 2,505 |
| Earnings coverage of net charge-offs (x) | -0.1502% | 4,601 |
| Efficiency ratio | 129.6108% | 131 |
| Assets per employee ($millions) | 5.0570% | 2,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5332% | 3,428 |
| Loan loss allowance to noncurrent loans | 42.8475% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 1.9635% | 2,195 |
| Noncurrent loans to loans | 3.5782% | 1,162 |
| Net loans and leases to total assets | 47.2147% | 5,402 |
| Net loans and leases to deposits | 51.7136% | 5,706 |
| Net loans and leases to core deposits | 52.9854% | 5,819 |
| Total domestic deposits to total assets | 91.3004% | 445 |
| Equity capital to assets | 8.2879% | 5,981 |
| Core capital (leverage) ratio | 8.2783% | 5,909 |
| Tier 1 risk-based capital ratio | 19.6486% | 1,812 |
| Total risk-based capital ratio | 20.8987% | 1,787 |
| Memoranda: | ||
| Average total assets | $87,205,670 | 5,125 |
| Average earning assets | $80,567,330 | 5,103 |
| Average equity | $8,455,670 | 5,324 |
| Average total loans | $46,234,330 | 5,173 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7569% | 4,971 |
| Cost of funding earning assets | 1.1949% | 235 |
| Net interest margin | 2.5620% | 6,422 |
| Noninterest income to average assets | 0.2960% | 5,335 |
| Noninterest expense to average assets | 2.9650% | 3,095 |
| Loan and lease loss provision to assets | 0.1230% | 2,691 |
| Net operating income to assets | -0.3188% | 6,588 |
| Return on assets (ROA) | 0.1184% | 6,208 |
| Pretax return on assets | 0.0182% | 6,381 |
| Return on Equity (ROE) | 1.1402% | 6,185 |
| Retained earnings to average equity (ytd only) | 1.1402% | 5,391 |
| Net charge-offs to loans | 0.5581% | 1,088 |
| Credit loss provision to net charge-offs | 39.7059% | 2,753 |
| Earnings coverage of net charge-offs (x) | -0.9559% | 3,962 |
| Efficiency ratio | 111.0922% | 316 |
| Assets per employee ($millions) | 5.1356% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8853% | 2,349 |
| Loan loss allowance to noncurrent loans | 33.0040% | 5,912 |
| Noncurrent assets plus other real estate owned to assets | 3.5083% | 1,210 |
| Noncurrent loans to loans | 5.7122% | 610 |
| Net loans and leases to total assets | 53.7684% | 4,454 |
| Net loans and leases to deposits | 60.4904% | 4,738 |
| Net loans and leases to core deposits | 61.9840% | 4,955 |
| Total domestic deposits to total assets | 88.8874% | 1,744 |
| Equity capital to assets | 10.4094% | 3,653 |
| Core capital (leverage) ratio | 10.1013% | 3,273 |
| Tier 1 risk-based capital ratio | 21.3592% | 1,459 |
| Total risk-based capital ratio | 22.6210% | 1,431 |
| Memoranda: | ||
| Average total assets | $87,824,000 | 5,154 |
| Average earning assets | $81,344,000 | 5,107 |
| Average equity | $9,121,000 | 5,202 |
| Average total loans | $48,740,500 | 5,105 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0603% | 5,106 |
| Cost of funding earning assets | 1.4873% | 172 |
| Net interest margin | 2.5730% | 6,655 |
| Noninterest income to average assets | 0.1832% | 6,091 |
| Noninterest expense to average assets | 2.8296% | 3,907 |
| Loan and lease loss provision to assets | 1.0378% | 381 |
| Net operating income to assets | -1.0159% | 6,748 |
| Return on assets (ROA) | -0.9149% | 6,735 |
| Pretax return on assets | -1.1461% | 6,772 |
| Return on Equity (ROE) | -8.4351% | 6,692 |
| Retained earnings to average equity (ytd only) | -10.2478% | 6,646 |
| Net charge-offs to loans | 0.8212% | 1,425 |
| Credit loss provision to net charge-offs | 222.7818% | 1,126 |
| Earnings coverage of net charge-offs (x) | -0.5036% | 5,676 |
| Efficiency ratio | 109.0400% | 349 |
| Assets per employee ($millions) | 5.1966% | 1,991 |
| Cash dividends to net income (ytd only)* | -21.4896% | 7,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8998% | 2,295 |
| Loan loss allowance to noncurrent loans | 34.1667% | 5,887 |
| Noncurrent assets plus other real estate owned to assets | 3.6404% | 1,223 |
| Noncurrent loans to loans | 5.5605% | 662 |
| Net loans and leases to total assets | 55.1187% | 4,437 |
| Net loans and leases to deposits | 62.0206% | 4,781 |
| Net loans and leases to core deposits | 63.5322% | 5,009 |
| Total domestic deposits to total assets | 88.8717% | 1,658 |
| Equity capital to assets | 10.3620% | 3,678 |
| Core capital (leverage) ratio | 9.6840% | 3,834 |
| Tier 1 risk-based capital ratio | 20.6447% | 1,534 |
| Total risk-based capital ratio | 21.9102% | 1,502 |
| Memoranda: | ||
| Average total assets | $89,519,400 | 5,101 |
| Average earning assets | $83,910,400 | 5,018 |
| Average equity | $9,709,400 | 5,048 |
| Average total loans | $50,779,200 | 5,078 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1405% | 5,038 |
| Cost of funding earning assets | 1.5213% | 182 |
| Net interest margin | 2.6192% | 6,742 |
| Noninterest income to average assets | 0.1915% | 6,153 |
| Noninterest expense to average assets | 2.4287% | 5,313 |
| Loan and lease loss provision to assets | 0.9516% | 447 |
| Net operating income to assets | -0.5337% | 6,714 |
| Return on assets (ROA) | -0.4394% | 6,709 |
| Pretax return on assets | -0.5983% | 6,743 |
| Return on Equity (ROE) | -4.0074% | 6,677 |
| Retained earnings to average equity (ytd only) | -6.3902% | 6,689 |
| Net charge-offs to loans | 0.6058% | 1,821 |
| Credit loss provision to net charge-offs | 276.2931% | 981 |
| Earnings coverage of net charge-offs (x) | 0.6509% | 4,994 |
| Efficiency ratio | 91.5501% | 913 |
| Assets per employee ($millions) | 5.3897% | 1,741 |
| Cash dividends to net income (ytd only)* | -59.4588% | 7,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6554% | 3,310 |
| Loan loss allowance to noncurrent loans | 30.3359% | 6,110 |
| Noncurrent assets plus other real estate owned to assets | 3.2753% | 1,557 |
| Noncurrent loans to loans | 5.4569% | 789 |
| Net loans and leases to total assets | 54.4644% | 4,674 |
| Net loans and leases to deposits | 61.5479% | 5,019 |
| Net loans and leases to core deposits | 63.4478% | 5,211 |
| Total domestic deposits to total assets | 88.4911% | 1,729 |
| Equity capital to assets | 10.4764% | 3,871 |
| Core capital (leverage) ratio | 10.1653% | 3,329 |
| Tier 1 risk-based capital ratio | 21.2816% | 1,458 |
| Total risk-based capital ratio | 22.5380% | 1,427 |
| Memoranda: | ||
| Average total assets | $89,813,750 | 5,147 |
| Average earning assets | $84,399,750 | 5,061 |
| Average equity | $9,848,250 | 5,063 |
| Average total loans | $51,065,000 | 5,126 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2060% | 4,928 |
| Cost of funding earning assets | 1.5383% | 202 |
| Net interest margin | 2.6677% | 6,750 |
| Noninterest income to average assets | 0.1547% | 6,425 |
| Noninterest expense to average assets | 2.2060% | 5,993 |
| Loan and lease loss provision to assets | 0.2847% | 2,303 |
| Net operating income to assets | 0.1995% | 5,918 |
| Return on assets (ROA) | 0.3946% | 5,472 |
| Pretax return on assets | 0.3744% | 5,770 |
| Return on Equity (ROE) | 3.5443% | 5,464 |
| Retained earnings to average equity (ytd only) | 1.5506% | 5,431 |
| Net charge-offs to loans | 0.1602% | 3,642 |
| Credit loss provision to net charge-offs | 309.7561% | 950 |
| Earnings coverage of net charge-offs (x) | 5.0488% | 2,918 |
| Efficiency ratio | 82.6196% | 1,796 |
| Assets per employee ($millions) | 5.0489% | 2,110 |
| Cash dividends to net income (ytd only)* | 56.2500% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0054% | 6,137 |
| Loan loss allowance to noncurrent loans | 28.5635% | 6,210 |
| Noncurrent assets plus other real estate owned to assets | 2.0797% | 2,687 |
| Noncurrent loans to loans | 3.5200% | 1,627 |
| Net loans and leases to total assets | 56.0112% | 4,467 |
| Net loans and leases to deposits | 63.6478% | 4,815 |
| Net loans and leases to core deposits | 65.6381% | 5,042 |
| Total domestic deposits to total assets | 88.0018% | 2,141 |
| Equity capital to assets | 11.0398% | 3,074 |
| Core capital (leverage) ratio | 10.8824% | 2,410 |
| Tier 1 risk-based capital ratio | 22.1553% | 1,260 |
| Total risk-based capital ratio | 23.3166% | 1,262 |
| Memoranda: | ||
| Average total assets | $89,210,000 | 5,189 |
| Average earning assets | $84,117,670 | 5,098 |
| Average equity | $9,931,330 | 5,049 |
| Average total loans | $51,172,330 | 5,139 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2516% | 4,918 |
| Cost of funding earning assets | 1.5508% | 229 |
| Net interest margin | 2.7008% | 6,769 |
| Noninterest income to average assets | 0.1810% | 6,298 |
| Noninterest expense to average assets | 2.1364% | 6,187 |
| Loan and lease loss provision to assets | 0.1222% | 3,815 |
| Net operating income to assets | 0.4576% | 5,008 |
| Return on assets (ROA) | 0.5522% | 4,798 |
| Pretax return on assets | 0.5839% | 5,167 |
| Return on Equity (ROE) | 4.9390% | 4,814 |
| Retained earnings to average equity (ytd only) | 0.9311% | 5,697 |
| Net charge-offs to loans | 0.0235% | 4,359 |
| Credit loss provision to net charge-offs | 900.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 44.6667% | 686 |
| Efficiency ratio | 77.8878% | 2,515 |
| Assets per employee ($millions) | 5.2902% | 1,897 |
| Cash dividends to net income (ytd only)* | 81.1475% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8836% | 6,576 |
| Loan loss allowance to noncurrent loans | 23.4295% | 6,442 |
| Noncurrent assets plus other real estate owned to assets | 2.2483% | 2,650 |
| Noncurrent loans to loans | 3.7715% | 1,644 |
| Net loans and leases to total assets | 56.7500% | 4,250 |
| Net loans and leases to deposits | 64.4765% | 4,566 |
| Net loans and leases to core deposits | 66.2319% | 4,888 |
| Total domestic deposits to total assets | 88.0166% | 2,308 |
| Equity capital to assets | 11.0104% | 2,896 |
| Core capital (leverage) ratio | 11.1589% | 2,143 |
| Tier 1 risk-based capital ratio | 21.8394% | 1,311 |
| Total risk-based capital ratio | 22.8521% | 1,338 |
| Memoranda: | ||
| Average total assets | $88,375,000 | 5,260 |
| Average earning assets | $83,827,000 | 5,149 |
| Average equity | $9,880,500 | 5,069 |
| Average total loans | $51,048,500 | 5,187 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5502% | 4,873 |
| Cost of funding earning assets | 1.6726% | 359 |
| Net interest margin | 2.8777% | 6,724 |
| Noninterest income to average assets | 0.2531% | 5,716 |
| Noninterest expense to average assets | 2.1554% | 6,372 |
| Loan and lease loss provision to assets | 0.2688% | 3,525 |
| Net operating income to assets | 0.4767% | 4,520 |
| Return on assets (ROA) | 0.7011% | 3,670 |
| Pretax return on assets | 0.8077% | 3,954 |
| Return on Equity (ROE) | 6.0872% | 3,827 |
| Retained earnings to average equity (ytd only) | 4.2263% | 3,177 |
| Net charge-offs to loans | 0.3388% | 3,705 |
| Credit loss provision to net charge-offs | 140.5063% | 2,097 |
| Earnings coverage of net charge-offs (x) | 4.2785% | 3,183 |
| Efficiency ratio | 72.4756% | 3,481 |
| Assets per employee ($millions) | 5.1069% | 2,050 |
| Cash dividends to net income (ytd only)* | 30.5699% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8517% | 6,642 |
| Loan loss allowance to noncurrent loans | 29.2203% | 6,241 |
| Noncurrent assets plus other real estate owned to assets | 1.8683% | 3,158 |
| Noncurrent loans to loans | 2.9147% | 2,239 |
| Net loans and leases to total assets | 57.7928% | 4,409 |
| Net loans and leases to deposits | 65.8443% | 4,756 |
| Net loans and leases to core deposits | 67.7021% | 5,068 |
| Total domestic deposits to total assets | 87.7720% | 2,297 |
| Equity capital to assets | 11.3561% | 2,632 |
| Core capital (leverage) ratio | 11.4423% | 1,936 |
| Tier 1 risk-based capital ratio | 21.9851% | 1,239 |
| Total risk-based capital ratio | 22.9532% | 1,249 |
| Memoranda: | ||
| Average total assets | $82,583,600 | 5,382 |
| Average earning assets | $78,083,800 | 5,291 |
| Average equity | $9,511,800 | 5,150 |
| Average total loans | $46,637,600 | 5,396 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6207% | 4,785 |
| Cost of funding earning assets | 1.6897% | 411 |
| Net interest margin | 2.9310% | 6,706 |
| Noninterest income to average assets | 0.2339% | 5,947 |
| Noninterest expense to average assets | 2.1343% | 6,447 |
| Loan and lease loss provision to assets | 0.1472% | 4,605 |
| Net operating income to assets | 0.6279% | 3,977 |
| Return on assets (ROA) | 0.7801% | 3,419 |
| Pretax return on assets | 0.8962% | 3,778 |
| Return on Equity (ROE) | 6.7478% | 3,639 |
| Retained earnings to average equity (ytd only) | 4.2439% | 3,708 |
| Net charge-offs to loans | 0.0234% | 5,822 |
| Credit loss provision to net charge-offs | 1,125.0000% | 237 |
| Earnings coverage of net charge-offs (x) | 66.3524% | 496 |
| Efficiency ratio | 71.0784% | 3,727 |
| Assets per employee ($millions) | 5.6619% | 1,451 |
| Cash dividends to net income (ytd only)* | 37.1065% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9334% | 6,502 |
| Loan loss allowance to noncurrent loans | 27.0645% | 6,405 |
| Noncurrent assets plus other real estate owned to assets | 2.1901% | 2,909 |
| Noncurrent loans to loans | 3.4487% | 1,990 |
| Net loans and leases to total assets | 56.1128% | 4,820 |
| Net loans and leases to deposits | 64.4496% | 5,112 |
| Net loans and leases to core deposits | 66.7115% | 5,339 |
| Total domestic deposits to total assets | 87.0645% | 2,609 |
| Equity capital to assets | 11.9194% | 2,315 |
| Core capital (leverage) ratio | 11.4447% | 2,064 |
| Tier 1 risk-based capital ratio | 22.8661% | 1,164 |
| Total risk-based capital ratio | 23.9260% | 1,167 |
| Memoranda: | ||
| Average total assets | $81,525,250 | 5,457 |
| Average earning assets | $77,013,250 | 5,356 |
| Average equity | $9,425,000 | 5,198 |
| Average total loans | $45,645,750 | 5,485 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6915% | 4,564 |
| Cost of funding earning assets | 1.6983% | 470 |
| Net interest margin | 2.9931% | 6,623 |
| Noninterest income to average assets | 0.2314% | 5,998 |
| Noninterest expense to average assets | 2.1619% | 6,477 |
| Loan and lease loss provision to assets | 0.1368% | 4,597 |
| Net operating income to assets | 0.6871% | 3,618 |
| Return on assets (ROA) | 0.6916% | 3,700 |
| Pretax return on assets | 0.7613% | 4,176 |
| Return on Equity (ROE) | 6.0485% | 3,944 |
| Retained earnings to average equity (ytd only) | 3.8946% | 3,713 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7655% | 3,967 |
| Assets per employee ($millions) | 5.5468% | 1,533 |
| Cash dividends to net income (ytd only)* | 35.6115% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9128% | 6,624 |
| Loan loss allowance to noncurrent loans | 35.4622% | 5,941 |
| Noncurrent assets plus other real estate owned to assets | 1.6718% | 3,671 |
| Noncurrent loans to loans | 2.5741% | 2,803 |
| Net loans and leases to total assets | 55.0552% | 5,138 |
| Net loans and leases to deposits | 62.8173% | 5,413 |
| Net loans and leases to core deposits | 65.0474% | 5,606 |
| Total domestic deposits to total assets | 87.6433% | 2,371 |
| Equity capital to assets | 11.5887% | 2,423 |
| Core capital (leverage) ratio | 11.6287% | 1,830 |
| Tier 1 risk-based capital ratio | 22.9225% | 1,129 |
| Total risk-based capital ratio | 23.9337% | 1,150 |
| Memoranda: | ||
| Average total assets | $80,390,670 | 5,537 |
| Average earning assets | $75,840,000 | 5,440 |
| Average equity | $9,192,330 | 5,268 |
| Average total loans | $44,826,000 | 5,571 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6825% | 4,599 |
| Cost of funding earning assets | 1.7149% | 520 |
| Net interest margin | 2.9675% | 6,643 |
| Noninterest income to average assets | 0.2279% | 6,094 |
| Noninterest expense to average assets | 2.1827% | 6,461 |
| Loan and lease loss provision to assets | 0.1519% | 4,124 |
| Net operating income to assets | 0.6280% | 3,878 |
| Return on assets (ROA) | 0.6280% | 3,946 |
| Pretax return on assets | 0.6887% | 4,347 |
| Return on Equity (ROE) | 5.5311% | 4,148 |
| Retained earnings to average equity (ytd only) | 1.1151% | 5,376 |
| Net charge-offs to loans | -0.0091% | 6,345 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1943% | 3,821 |
| Assets per employee ($millions) | 5.3716% | 1,695 |
| Cash dividends to net income (ytd only)* | 79.8387% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8881% | 6,730 |
| Loan loss allowance to noncurrent loans | 42.7497% | 5,452 |
| Noncurrent assets plus other real estate owned to assets | 1.4049% | 4,173 |
| Noncurrent loans to loans | 2.0773% | 3,475 |
| Net loans and leases to total assets | 55.1282% | 5,138 |
| Net loans and leases to deposits | 62.8417% | 5,405 |
| Net loans and leases to core deposits | 65.1286% | 5,609 |
| Total domestic deposits to total assets | 87.7256% | 2,540 |
| Equity capital to assets | 11.2294% | 2,480 |
| Core capital (leverage) ratio | 11.8868% | 1,625 |
| Tier 1 risk-based capital ratio | 23.0811% | 1,070 |
| Total risk-based capital ratio | 24.0571% | 1,093 |
| Memoranda: | ||
| Average total assets | $78,985,000 | 5,615 |
| Average earning assets | $74,405,000 | 5,526 |
| Average equity | $8,967,500 | 5,343 |
| Average total loans | $44,124,500 | 5,649 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8079% | 5,378 |
| Cost of funding earning assets | 1.8749% | 926 |
| Net interest margin | 2.9330% | 6,849 |
| Noninterest income to average assets | 0.2201% | 6,232 |
| Noninterest expense to average assets | 2.5354% | 5,662 |
| Loan and lease loss provision to assets | 0.0804% | 6,347 |
| Net operating income to assets | 0.4374% | 4,375 |
| Return on assets (ROA) | 0.5390% | 4,080 |
| Pretax return on assets | 0.4515% | 4,790 |
| Return on Equity (ROE) | 4.2735% | 4,397 |
| Retained earnings to average equity (ytd only) | 3.4009% | 3,490 |
| Net charge-offs to loans | 0.0538% | 6,252 |
| Credit loss provision to net charge-offs | 259.0909% | 1,088 |
| Earnings coverage of net charge-offs (x) | 13.8636% | 1,384 |
| Efficiency ratio | 85.4900% | 1,748 |
| Assets per employee ($millions) | 5.1597% | 1,930 |
| Cash dividends to net income (ytd only)* | 20.4188% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8450% | 6,867 |
| Loan loss allowance to noncurrent loans | 42.7739% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 1.3683% | 4,293 |
| Noncurrent loans to loans | 1.9755% | 3,601 |
| Net loans and leases to total assets | 55.6424% | 5,395 |
| Net loans and leases to deposits | 63.2676% | 5,713 |
| Net loans and leases to core deposits | 65.4066% | 5,935 |
| Total domestic deposits to total assets | 87.9477% | 2,279 |
| Equity capital to assets | 11.4825% | 2,271 |
| Core capital (leverage) ratio | 13.1032% | 1,095 |
| Tier 1 risk-based capital ratio | 23.0169% | 1,033 |
| Total risk-based capital ratio | 23.9168% | 1,064 |
| Memoranda: | ||
| Average total assets | $70,877,400 | 5,859 |
| Average earning assets | $66,349,200 | 5,786 |
| Average equity | $8,938,800 | 5,444 |
| Average total loans | $40,888,200 | 5,893 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8414% | 5,510 |
| Cost of funding earning assets | 1.8995% | 1,029 |
| Net interest margin | 2.9419% | 6,942 |
| Noninterest income to average assets | 0.2118% | 6,398 |
| Noninterest expense to average assets | 2.4953% | 5,728 |
| Loan and lease loss provision to assets | 0.0828% | 6,213 |
| Net operating income to assets | 0.4621% | 4,478 |
| Return on assets (ROA) | 0.6007% | 4,030 |
| Pretax return on assets | 0.5218% | 4,855 |
| Return on Equity (ROE) | 4.6470% | 4,480 |
| Retained earnings to average equity (ytd only) | 3.4852% | 4,002 |
| Net charge-offs to loans | 0.0596% | 5,916 |
| Credit loss provision to net charge-offs | 238.8889% | 1,412 |
| Earnings coverage of net charge-offs (x) | 13.4442% | 1,581 |
| Efficiency ratio | 84.2653% | 1,802 |
| Assets per employee ($millions) | 4.8925% | 2,331 |
| Cash dividends to net income (ytd only)* | 25.0006% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8580% | 6,873 |
| Loan loss allowance to noncurrent loans | 92.2481% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.6595% | 5,811 |
| Noncurrent loans to loans | 0.9301% | 5,377 |
| Net loans and leases to total assets | 56.2116% | 5,519 |
| Net loans and leases to deposits | 65.0796% | 5,779 |
| Net loans and leases to core deposits | 67.7317% | 5,968 |
| Total domestic deposits to total assets | 86.3736% | 2,870 |
| Equity capital to assets | 12.4968% | 1,861 |
| Core capital (leverage) ratio | 12.7440% | 1,317 |
| Tier 1 risk-based capital ratio | 23.9168% | 958 |
| Total risk-based capital ratio | 24.8332% | 970 |
| Memoranda: | ||
| Average total assets | $69,247,750 | 5,964 |
| Average earning assets | $64,718,000 | 5,902 |
| Average equity | $8,951,750 | 5,507 |
| Average total loans | $40,252,250 | 5,995 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8795% | 5,487 |
| Cost of funding earning assets | 1.9107% | 1,201 |
| Net interest margin | 2.9688% | 6,902 |
| Noninterest income to average assets | 0.1915% | 6,526 |
| Noninterest expense to average assets | 2.5049% | 5,707 |
| Loan and lease loss provision to assets | 0.0619% | 6,330 |
| Net operating income to assets | 0.5216% | 4,232 |
| Return on assets (ROA) | 0.5835% | 4,082 |
| Pretax return on assets | 0.4568% | 5,041 |
| Return on Equity (ROE) | 4.4601% | 4,561 |
| Retained earnings to average equity (ytd only) | 4.4601% | 3,229 |
| Net charge-offs to loans | 0.0452% | 5,751 |
| Credit loss provision to net charge-offs | 233.3333% | 1,651 |
| Earnings coverage of net charge-offs (x) | 17.2222% | 1,359 |
| Efficiency ratio | 84.5771% | 1,856 |
| Assets per employee ($millions) | 4.6927% | 2,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8515% | 6,900 |
| Loan loss allowance to noncurrent loans | 140.9836% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.4844% | 6,240 |
| Noncurrent loans to loans | 0.6040% | 6,031 |
| Net loans and leases to total assets | 56.9050% | 5,572 |
| Net loans and leases to deposits | 66.1634% | 5,785 |
| Net loans and leases to core deposits | 68.9836% | 5,975 |
| Total domestic deposits to total assets | 86.0067% | 3,083 |
| Equity capital to assets | 12.9207% | 1,603 |
| Core capital (leverage) ratio | 13.3447% | 1,101 |
| Tier 1 risk-based capital ratio | 24.5237% | 890 |
| Total risk-based capital ratio | 25.4327% | 903 |
| Memoranda: | ||
| Average total assets | $67,868,000 | 6,046 |
| Average earning assets | $63,326,000 | 5,975 |
| Average equity | $8,878,670 | 5,539 |
| Average total loans | $39,800,000 | 6,055 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9249% | 5,329 |
| Cost of funding earning assets | 1.9210% | 1,369 |
| Net interest margin | 3.0040% | 6,825 |
| Noninterest income to average assets | 0.1021% | 7,195 |
| Noninterest expense to average assets | 2.6184% | 5,275 |
| Loan and lease loss provision to assets | 0.0240% | 6,420 |
| Net operating income to assets | 0.4984% | 4,394 |
| Return on assets (ROA) | 0.6246% | 3,913 |
| Pretax return on assets | 0.3843% | 5,346 |
| Return on Equity (ROE) | 4.7432% | 4,506 |
| Retained earnings to average equity (ytd only) | 4.7432% | 3,297 |
| Net charge-offs to loans | 0.0405% | 5,017 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 11.7500% | 1,621 |
| Efficiency ratio | 90.2692% | 1,412 |
| Assets per employee ($millions) | 4.5376% | 2,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8346% | 7,042 |
| Loan loss allowance to noncurrent loans | 71.8615% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 0.8889% | 5,380 |
| Noncurrent loans to loans | 1.1614% | 5,043 |
| Net loans and leases to total assets | 57.9543% | 5,444 |
| Net loans and leases to deposits | 67.3473% | 5,670 |
| Net loans and leases to core deposits | 69.1889% | 5,983 |
| Total domestic deposits to total assets | 86.0528% | 3,130 |
| Equity capital to assets | 12.9892% | 1,530 |
| Core capital (leverage) ratio | 13.7372% | 1,019 |
| Tier 1 risk-based capital ratio | 24.9864% | 868 |
| Total risk-based capital ratio | 25.8893% | 876 |
| Memoranda: | ||
| Average total assets | $66,606,500 | 6,149 |
| Average earning assets | $62,051,500 | 6,080 |
| Average equity | $8,770,500 | 5,604 |
| Average total loans | $39,500,000 | 6,144 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2928% | 5,209 |
| Cost of funding earning assets | 1.9036% | 3,449 |
| Net interest margin | 3.3892% | 5,407 |
| Noninterest income to average assets | 0.3613% | 5,503 |
| Noninterest expense to average assets | 3.0276% | 4,037 |
| Loan and lease loss provision to assets | 0.0836% | 6,774 |
| Net operating income to assets | 0.3580% | 4,294 |
| Return on assets (ROA) | 0.3613% | 4,385 |
| Pretax return on assets | 0.3596% | 4,617 |
| Return on Equity (ROE) | 2.4967% | 4,710 |
| Retained earnings to average equity (ytd only) | 0.4508% | 4,653 |
| Net charge-offs to loans | 0.0276% | 6,857 |
| Credit loss provision to net charge-offs | 500.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 26.3000% | 856 |
| Efficiency ratio | 87.3131% | 1,950 |
| Assets per employee ($millions) | 4.3433% | 3,204 |
| Cash dividends to net income (ytd only)* | 81.9444% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8465% | 6,992 |
| Loan loss allowance to noncurrent loans | 64.8438% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 1.0591% | 4,981 |
| Noncurrent loans to loans | 1.3054% | 4,742 |
| Net loans and leases to total assets | 59.6939% | 5,381 |
| Net loans and leases to deposits | 70.2683% | 5,573 |
| Net loans and leases to core deposits | 88.4869% | 5,273 |
| Total domestic deposits to total assets | 84.9514% | 3,570 |
| Equity capital to assets | 13.3540% | 1,375 |
| Core capital (leverage) ratio | 14.3448% | 918 |
| Tier 1 risk-based capital ratio | 25.2579% | 819 |
| Total risk-based capital ratio | 26.1811% | 827 |
| Memoranda: | ||
| Average total assets | $59,783,800 | 6,354 |
| Average earning assets | $54,791,400 | 6,341 |
| Average equity | $8,651,400 | 5,718 |
| Average total loans | $36,226,000 | 6,294 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3398% | 5,223 |
| Cost of funding earning assets | 1.9008% | 3,885 |
| Net interest margin | 3.4390% | 5,117 |
| Noninterest income to average assets | 0.3331% | 5,824 |
| Noninterest expense to average assets | 3.0342% | 3,906 |
| Loan and lease loss provision to assets | 0.1004% | 6,363 |
| Net operating income to assets | 0.3308% | 4,675 |
| Return on assets (ROA) | 0.3331% | 4,768 |
| Pretax return on assets | 0.3376% | 4,960 |
| Return on Equity (ROE) | 2.2532% | 5,080 |
| Retained earnings to average equity (ytd only) | 1.0494% | 4,730 |
| Net charge-offs to loans | -0.0376% | 7,829 |
| Credit loss provision to net charge-offs | -440.0000% | 7,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4425% | 1,923 |
| Assets per employee ($millions) | 4.0164% | 3,698 |
| Cash dividends to net income (ytd only)* | 53.4265% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 6,631 |
| Loan loss allowance to noncurrent loans | 66.7954% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 1.3976% | 4,306 |
| Noncurrent loans to loans | 1.3941% | 4,584 |
| Net loans and leases to total assets | 61.1012% | 5,406 |
| Net loans and leases to deposits | 74.6583% | 5,273 |
| Net loans and leases to core deposits | 88.9606% | 5,530 |
| Total domestic deposits to total assets | 81.8411% | 4,745 |
| Equity capital to assets | 14.5404% | 1,132 |
| Core capital (leverage) ratio | 15.0744% | 841 |
| Tier 1 risk-based capital ratio | 26.7387% | 769 |
| Total risk-based capital ratio | 27.7540% | 764 |
| Memoranda: | ||
| Average total assets | $58,442,500 | 6,451 |
| Average earning assets | $53,309,500 | 6,450 |
| Average equity | $8,639,250 | 5,777 |
| Average total loans | $35,477,000 | 6,379 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4445% | 4,916 |
| Cost of funding earning assets | 1.9216% | 4,151 |
| Net interest margin | 3.5229% | 4,685 |
| Noninterest income to average assets | 0.3389% | 5,804 |
| Noninterest expense to average assets | 2.8492% | 4,746 |
| Loan and lease loss provision to assets | 0.1418% | 5,653 |
| Net operating income to assets | 0.5429% | 3,918 |
| Return on assets (ROA) | 0.5463% | 4,020 |
| Pretax return on assets | 0.5463% | 4,478 |
| Return on Equity (ROE) | 3.6748% | 4,631 |
| Retained earnings to average equity (ytd only) | 3.6748% | 3,251 |
| Net charge-offs to loans | -0.0573% | 7,868 |
| Credit loss provision to net charge-offs | -410.0000% | 7,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6262% | 2,949 |
| Assets per employee ($millions) | 3.9298% | 3,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9678% | 6,455 |
| Loan loss allowance to noncurrent loans | 56.6942% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 1.3283% | 4,293 |
| Noncurrent loans to loans | 1.7070% | 3,949 |
| Net loans and leases to total assets | 59.5450% | 5,753 |
| Net loans and leases to deposits | 71.3821% | 5,825 |
| Net loans and leases to core deposits | 84.2232% | 6,076 |
| Total domestic deposits to total assets | 83.4173% | 4,055 |
| Equity capital to assets | 14.6589% | 1,121 |
| Core capital (leverage) ratio | 15.5885% | 810 |
| Tier 1 risk-based capital ratio | 27.4103% | 748 |
| Total risk-based capital ratio | 28.4319% | 752 |
| Memoranda: | ||
| Average total assets | $57,841,330 | 6,519 |
| Average earning assets | $52,456,330 | 6,531 |
| Average equity | $8,599,000 | 5,814 |
| Average total loans | $34,917,000 | 6,461 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5390% | 4,701 |
| Cost of funding earning assets | 1.9236% | 4,517 |
| Net interest margin | 3.6154% | 4,256 |
| Noninterest income to average assets | 0.3142% | 5,933 |
| Noninterest expense to average assets | 2.8138% | 4,502 |
| Loan and lease loss provision to assets | 0.2095% | 4,346 |
| Net operating income to assets | 0.5586% | 4,188 |
| Return on assets (ROA) | 0.5586% | 4,372 |
| Pretax return on assets | 0.5586% | 4,886 |
| Return on Equity (ROE) | 3.7305% | 5,066 |
| Retained earnings to average equity (ytd only) | 3.7305% | 3,827 |
| Net charge-offs to loans | -0.0115% | 7,309 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5575% | 3,072 |
| Assets per employee ($millions) | 3.8287% | 4,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9290% | 6,611 |
| Loan loss allowance to noncurrent loans | 47.6401% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 1.3216% | 4,025 |
| Noncurrent loans to loans | 1.9501% | 3,342 |
| Net loans and leases to total assets | 59.9774% | 5,656 |
| Net loans and leases to deposits | 72.2799% | 5,711 |
| Net loans and leases to core deposits | 84.3166% | 6,040 |
| Total domestic deposits to total assets | 82.9793% | 4,158 |
| Equity capital to assets | 15.1088% | 1,072 |
| Core capital (leverage) ratio | 15.7115% | 824 |
| Tier 1 risk-based capital ratio | 27.4828% | 788 |
| Total risk-based capital ratio | 28.4557% | 783 |
| Memoranda: | ||
| Average total assets | $57,288,500 | 6,571 |
| Average earning assets | $51,778,500 | 6,581 |
| Average equity | $8,578,000 | 5,855 |
| Average total loans | $34,654,000 | 6,515 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7495% | 6,600 |
| Cost of funding earning assets | 1.9900% | 6,441 |
| Net interest margin | 3.7595% | 4,182 |
| Noninterest income to average assets | 0.3659% | 5,781 |
| Noninterest expense to average assets | 2.7164% | 5,194 |
| Loan and lease loss provision to assets | 0.0839% | 6,341 |
| Net operating income to assets | 0.8042% | 3,420 |
| Return on assets (ROA) | 0.8353% | 3,127 |
| Pretax return on assets | 1.0120% | 3,334 |
| Return on Equity (ROE) | 5.4400% | 4,187 |
| Retained earnings to average equity (ytd only) | 3.3942% | 3,038 |
| Net charge-offs to loans | 0.1652% | 4,551 |
| Credit loss provision to net charge-offs | 87.0370% | 5,740 |
| Earnings coverage of net charge-offs (x) | 10.9815% | 2,437 |
| Efficiency ratio | 71.9622% | 3,947 |
| Assets per employee ($millions) | 3.8098% | 3,935 |
| Cash dividends to net income (ytd only)* | 37.6068% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8454% | 6,921 |
| Loan loss allowance to noncurrent loans | 65.3244% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 0.9222% | 4,533 |
| Noncurrent loans to loans | 1.2942% | 3,928 |
| Net loans and leases to total assets | 59.9297% | 5,915 |
| Net loans and leases to deposits | 71.2965% | 6,133 |
| Net loans and leases to core deposits | 82.0901% | 6,457 |
| Total domestic deposits to total assets | 84.0569% | 3,302 |
| Equity capital to assets | 14.8372% | 1,200 |
| Core capital (leverage) ratio | 15.7875% | 867 |
| Tier 1 risk-based capital ratio | 27.6262% | 780 |
| Total risk-based capital ratio | 28.5151% | 786 |
| Memoranda: | ||
| Average total assets | $56,030,400 | 6,528 |
| Average earning assets | $50,804,000 | 6,563 |
| Average equity | $8,603,000 | 5,872 |
| Average total loans | $32,692,400 | 6,570 |