Home > The First National Bank in Wadena > Performance and Condition Ratios
The First National Bank in Wadena, Performance and Condition Ratios
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7132% | 4,073 |
| Cost of funding earning assets | 0.5077% | 2,021 |
| Net interest margin | 3.2055% | 4,327 |
| Noninterest income to average assets | 0.4287% | 3,457 |
| Noninterest expense to average assets | 2.6919% | 3,174 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5904% | 4,201 |
| Return on assets (ROA) | 0.5904% | 4,245 |
| Pretax return on assets | 0.7099% | 4,420 |
| Return on Equity (ROE) | 6.3727% | 3,728 |
| Retained earnings to average equity (ytd only) | 6.3727% | 2,148 |
| Net charge-offs to loans | -0.0284% | 4,905 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1322% | 1,474 |
| Assets per employee ($millions) | 3.3045% | 5,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4755% | 1,779 |
| Loan loss allowance to noncurrent loans | 282.8767% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.5269% | 3,122 |
| Noncurrent loans to loans | 0.5216% | 3,251 |
| Net loans and leases to total assets | 49.0913% | 4,744 |
| Net loans and leases to deposits | 54.4708% | 4,906 |
| Net loans and leases to core deposits | 56.2862% | 4,962 |
| Total domestic deposits to total assets | 90.1241% | 608 |
| Equity capital to assets | 9.4985% | 4,283 |
| Core capital (leverage) ratio | 9.3700% | 4,259 |
| Tier 1 risk-based capital ratio | 16.8714% | 2,226 |
| Total risk-based capital ratio | 18.1219% | 2,190 |
| Memoranda: | ||
| Average total assets | $56,912,500 | 5,173 |
| Average earning assets | $52,784,000 | 5,161 |
| Average equity | $5,272,500 | 5,368 |
| Average total loans | $28,160,500 | 5,214 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8423% | 3,768 |
| Cost of funding earning assets | 0.5113% | 2,001 |
| Net interest margin | 3.3310% | 4,052 |
| Noninterest income to average assets | 0.3227% | 4,431 |
| Noninterest expense to average assets | 2.9363% | 2,541 |
| Loan and lease loss provision to assets | -0.0705% | 5,631 |
| Net operating income to assets | 0.4109% | 4,903 |
| Return on assets (ROA) | 0.4762% | 4,800 |
| Pretax return on assets | 0.6472% | 4,661 |
| Return on Equity (ROE) | 4.9902% | 4,440 |
| Retained earnings to average equity (ytd only) | 2.2179% | 4,272 |
| Net charge-offs to loans | -0.1621% | 5,699 |
| Credit loss provision to net charge-offs | 88.8889% | 2,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7364% | 848 |
| Assets per employee ($millions) | 3.2027% | 5,143 |
| Cash dividends to net income (ytd only)* | 55.5556% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4508% | 1,869 |
| Loan loss allowance to noncurrent loans | 540.7895% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.5065% | 3,237 |
| Noncurrent loans to loans | 0.2683% | 4,190 |
| Net loans and leases to total assets | 48.4301% | 4,864 |
| Net loans and leases to deposits | 53.4325% | 5,044 |
| Net loans and leases to core deposits | 55.1552% | 5,091 |
| Total domestic deposits to total assets | 90.6380% | 407 |
| Equity capital to assets | 9.0359% | 4,775 |
| Core capital (leverage) ratio | 9.0465% | 4,682 |
| Tier 1 risk-based capital ratio | 16.2567% | 2,447 |
| Total risk-based capital ratio | 17.5050% | 2,388 |
| Memoranda: | ||
| Average total assets | $56,703,200 | 5,219 |
| Average earning assets | $52,807,400 | 5,191 |
| Average equity | $5,410,600 | 5,391 |
| Average total loans | $27,758,200 | 5,277 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8261% | 3,847 |
| Cost of funding earning assets | 0.5100% | 2,018 |
| Net interest margin | 3.3161% | 4,137 |
| Noninterest income to average assets | 0.3117% | 4,541 |
| Noninterest expense to average assets | 2.9869% | 2,357 |
| Loan and lease loss provision to assets | -0.0944% | 5,784 |
| Net operating income to assets | 0.3577% | 5,147 |
| Return on assets (ROA) | 0.4415% | 4,984 |
| Pretax return on assets | 0.6234% | 4,815 |
| Return on Equity (ROE) | 4.5656% | 4,692 |
| Retained earnings to average equity (ytd only) | 4.5656% | 3,098 |
| Net charge-offs to loans | -0.2414% | 5,805 |
| Credit loss provision to net charge-offs | 80.0000% | 2,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9083% | 681 |
| Assets per employee ($millions) | 3.1326% | 5,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4628% | 1,917 |
| Loan loss allowance to noncurrent loans | 501.2048% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.6970% | 2,823 |
| Noncurrent loans to loans | 0.2919% | 4,213 |
| Net loans and leases to total assets | 49.6985% | 4,839 |
| Net loans and leases to deposits | 55.5461% | 5,022 |
| Net loans and leases to core deposits | 56.9342% | 5,103 |
| Total domestic deposits to total assets | 89.4726% | 680 |
| Equity capital to assets | 9.8925% | 4,248 |
| Core capital (leverage) ratio | 9.3503% | 4,389 |
| Tier 1 risk-based capital ratio | 16.7565% | 2,318 |
| Total risk-based capital ratio | 18.0085% | 2,266 |
| Memoranda: | ||
| Average total assets | $56,467,000 | 5,268 |
| Average earning assets | $52,550,500 | 5,240 |
| Average equity | $5,461,000 | 5,434 |
| Average total loans | $27,615,250 | 5,330 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7882% | 3,995 |
| Cost of funding earning assets | 0.5145% | 1,985 |
| Net interest margin | 3.2737% | 4,315 |
| Noninterest income to average assets | 0.3080% | 4,578 |
| Noninterest expense to average assets | 2.9631% | 2,475 |
| Loan and lease loss provision to assets | -0.1416% | 5,906 |
| Net operating income to assets | 0.3983% | 5,036 |
| Return on assets (ROA) | 0.5310% | 4,673 |
| Pretax return on assets | 0.7045% | 4,607 |
| Return on Equity (ROE) | 5.5330% | 4,273 |
| Retained earnings to average equity (ytd only) | 5.5330% | 2,399 |
| Net charge-offs to loans | -0.3438% | 5,902 |
| Credit loss provision to net charge-offs | 85.1064% | 2,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4778% | 687 |
| Assets per employee ($millions) | 3.1902% | 5,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5109% | 1,821 |
| Loan loss allowance to noncurrent loans | 464.0449% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.7366% | 2,774 |
| Noncurrent loans to loans | 0.3256% | 4,199 |
| Net loans and leases to total assets | 46.8837% | 5,076 |
| Net loans and leases to deposits | 52.2899% | 5,236 |
| Net loans and leases to core deposits | 53.3035% | 5,309 |
| Total domestic deposits to total assets | 89.6609% | 609 |
| Equity capital to assets | 9.7835% | 4,470 |
| Core capital (leverage) ratio | 9.3142% | 4,444 |
| Tier 1 risk-based capital ratio | 17.2724% | 2,138 |
| Total risk-based capital ratio | 18.5245% | 2,100 |
| Memoranda: | ||
| Average total assets | $56,494,000 | 5,327 |
| Average earning assets | $52,478,330 | 5,302 |
| Average equity | $5,422,000 | 5,493 |
| Average total loans | $27,340,670 | 5,393 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7267% | 4,225 |
| Cost of funding earning assets | 0.5096% | 2,034 |
| Net interest margin | 3.2171% | 4,524 |
| Noninterest income to average assets | 0.2784% | 4,724 |
| Noninterest expense to average assets | 3.1126% | 2,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1342% | 5,631 |
| Return on assets (ROA) | 0.1856% | 5,611 |
| Pretax return on assets | 0.2570% | 5,574 |
| Return on Equity (ROE) | 1.9534% | 5,509 |
| Retained earnings to average equity (ytd only) | 1.9534% | 4,472 |
| Net charge-offs to loans | -0.5998% | 6,010 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3723% | 433 |
| Assets per employee ($millions) | 3.0769% | 5,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6407% | 1,504 |
| Loan loss allowance to noncurrent loans | 130.7018% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 1.2476% | 1,744 |
| Noncurrent loans to loans | 1.2553% | 1,926 |
| Net loans and leases to total assets | 48.3831% | 4,941 |
| Net loans and leases to deposits | 53.9023% | 5,108 |
| Net loans and leases to core deposits | 54.9840% | 5,186 |
| Total domestic deposits to total assets | 89.7608% | 705 |
| Equity capital to assets | 9.7987% | 4,343 |
| Core capital (leverage) ratio | 9.2926% | 4,500 |
| Tier 1 risk-based capital ratio | 16.5293% | 2,469 |
| Total risk-based capital ratio | 17.7810% | 2,419 |
| Memoranda: | ||
| Average total assets | $56,029,500 | 5,383 |
| Average earning assets | $52,594,000 | 5,350 |
| Average equity | $5,324,000 | 5,548 |
| Average total loans | $27,343,500 | 5,437 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8186% | 3,989 |
| Cost of funding earning assets | 0.5107% | 2,065 |
| Net interest margin | 3.3080% | 4,270 |
| Noninterest income to average assets | 0.5362% | 3,102 |
| Noninterest expense to average assets | 3.0424% | 2,405 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4248% | 4,970 |
| Return on assets (ROA) | 0.5985% | 4,380 |
| Pretax return on assets | 0.7945% | 4,208 |
| Return on Equity (ROE) | 6.4269% | 3,828 |
| Retained earnings to average equity (ytd only) | 6.4269% | 1,582 |
| Net charge-offs to loans | 0.1689% | 1,677 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 7.0222% | 3,131 |
| Efficiency ratio | 84.3874% | 1,143 |
| Assets per employee ($millions) | 3.1486% | 5,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4794% | 2,107 |
| Loan loss allowance to noncurrent loans | 94.8598% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.4116% | 1,484 |
| Noncurrent loans to loans | 1.5596% | 1,473 |
| Net loans and leases to total assets | 47.7062% | 5,041 |
| Net loans and leases to deposits | 52.7541% | 5,240 |
| Net loans and leases to core deposits | 53.7793% | 5,331 |
| Total domestic deposits to total assets | 90.4312% | 458 |
| Equity capital to assets | 9.2123% | 4,887 |
| Core capital (leverage) ratio | 9.0784% | 4,784 |
| Tier 1 risk-based capital ratio | 16.2099% | 2,601 |
| Total risk-based capital ratio | 17.4592% | 2,560 |
| Memoranda: | ||
| Average total assets | $56,139,000 | 5,404 |
| Average earning assets | $52,086,600 | 5,384 |
| Average equity | $5,228,000 | 5,596 |
| Average total loans | $26,648,000 | 5,500 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7955% | 4,101 |
| Cost of funding earning assets | 0.5088% | 2,130 |
| Net interest margin | 3.2867% | 4,410 |
| Noninterest income to average assets | 0.4761% | 3,524 |
| Noninterest expense to average assets | 2.9568% | 2,650 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4547% | 4,957 |
| Return on assets (ROA) | 0.7023% | 4,006 |
| Pretax return on assets | 0.8737% | 4,076 |
| Return on Equity (ROE) | 7.5208% | 3,326 |
| Retained earnings to average equity (ytd only) | 7.5208% | 1,438 |
| Net charge-offs to loans | 0.2218% | 1,176 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 5.3859% | 3,211 |
| Efficiency ratio | 83.9757% | 1,175 |
| Assets per employee ($millions) | 3.1041% | 5,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4947% | 2,182 |
| Loan loss allowance to noncurrent loans | 90.4232% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 1.6627% | 1,310 |
| Noncurrent loans to loans | 1.6530% | 1,483 |
| Net loans and leases to total assets | 47.8881% | 5,087 |
| Net loans and leases to deposits | 53.7786% | 5,266 |
| Net loans and leases to core deposits | 54.8546% | 5,365 |
| Total domestic deposits to total assets | 89.0468% | 1,010 |
| Equity capital to assets | 9.6521% | 4,572 |
| Core capital (leverage) ratio | 9.2390% | 4,679 |
| Tier 1 risk-based capital ratio | 16.2924% | 2,676 |
| Total risk-based capital ratio | 17.5455% | 2,623 |
| Memoranda: | ||
| Average total assets | $56,005,250 | 5,475 |
| Average earning assets | $51,885,000 | 5,464 |
| Average equity | $5,229,750 | 5,669 |
| Average total loans | $26,449,250 | 5,570 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7643% | 4,195 |
| Cost of funding earning assets | 0.5151% | 2,112 |
| Net interest margin | 3.2492% | 4,503 |
| Noninterest income to average assets | 0.3854% | 4,187 |
| Noninterest expense to average assets | 2.8975% | 2,904 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3786% | 5,209 |
| Return on assets (ROA) | 0.6887% | 4,057 |
| Pretax return on assets | 0.8742% | 4,052 |
| Return on Equity (ROE) | 7.4585% | 3,343 |
| Retained earnings to average equity (ytd only) | 7.4585% | 1,495 |
| Net charge-offs to loans | 0.3281% | 805 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.1395% | 3,236 |
| Efficiency ratio | 85.7445% | 1,078 |
| Assets per employee ($millions) | 3.1049% | 5,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5602% | 2,049 |
| Loan loss allowance to noncurrent loans | 79.8434% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 1.9986% | 1,103 |
| Noncurrent loans to loans | 1.9541% | 1,269 |
| Net loans and leases to total assets | 46.0592% | 5,239 |
| Net loans and leases to deposits | 51.5717% | 5,411 |
| Net loans and leases to core deposits | 52.5991% | 5,506 |
| Total domestic deposits to total assets | 89.3110% | 997 |
| Equity capital to assets | 9.3346% | 4,851 |
| Core capital (leverage) ratio | 8.9762% | 4,999 |
| Tier 1 risk-based capital ratio | 15.9922% | 2,865 |
| Total risk-based capital ratio | 17.2405% | 2,821 |
| Memoranda: | ||
| Average total assets | $56,049,000 | 5,535 |
| Average earning assets | $51,643,330 | 5,525 |
| Average equity | $5,175,330 | 5,734 |
| Average total loans | $26,211,330 | 5,626 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8174% | 3,943 |
| Cost of funding earning assets | 0.5131% | 2,173 |
| Net interest margin | 3.3042% | 4,198 |
| Noninterest income to average assets | 0.3421% | 4,462 |
| Noninterest expense to average assets | 3.0216% | 2,509 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2916% | 5,447 |
| Return on assets (ROA) | 0.3634% | 5,326 |
| Pretax return on assets | 0.4347% | 5,349 |
| Return on Equity (ROE) | 3.9577% | 4,997 |
| Retained earnings to average equity (ytd only) | 3.9577% | 3,622 |
| Net charge-offs to loans | 0.4420% | 562 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.6897% | 2,878 |
| Efficiency ratio | 89.6406% | 876 |
| Assets per employee ($millions) | 3.1438% | 5,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6334% | 1,939 |
| Loan loss allowance to noncurrent loans | 139.2739% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 1.7371% | 1,429 |
| Noncurrent loans to loans | 1.1728% | 2,431 |
| Net loans and leases to total assets | 44.9098% | 5,275 |
| Net loans and leases to deposits | 50.0059% | 5,459 |
| Net loans and leases to core deposits | 50.9840% | 5,543 |
| Total domestic deposits to total assets | 89.8090% | 838 |
| Equity capital to assets | 9.2262% | 5,051 |
| Core capital (leverage) ratio | 8.8651% | 5,120 |
| Tier 1 risk-based capital ratio | 14.2458% | 3,852 |
| Total risk-based capital ratio | 15.4617% | 3,803 |
| Memoranda: | ||
| Average total assets | $56,129,000 | 5,585 |
| Average earning assets | $51,449,000 | 5,581 |
| Average equity | $5,154,500 | 5,793 |
| Average total loans | $26,242,000 | 5,666 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8511% | 4,312 |
| Cost of funding earning assets | 0.5124% | 2,550 |
| Net interest margin | 3.3386% | 4,443 |
| Noninterest income to average assets | 0.7536% | 2,059 |
| Noninterest expense to average assets | 3.2759% | 1,992 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5379% | 4,648 |
| Return on assets (ROA) | 0.6418% | 4,284 |
| Pretax return on assets | 0.6905% | 4,659 |
| Return on Equity (ROE) | 6.8840% | 3,698 |
| Retained earnings to average equity (ytd only) | -3.1713% | 6,103 |
| Net charge-offs to loans | -0.2570% | 6,307 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9860% | 1,287 |
| Assets per employee ($millions) | 3.0927% | 5,573 |
| Cash dividends to net income (ytd only)* | 146.0674% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6924% | 1,793 |
| Loan loss allowance to noncurrent loans | 129.9712% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 1.6814% | 1,595 |
| Noncurrent loans to loans | 1.3022% | 2,273 |
| Net loans and leases to total assets | 47.0585% | 5,243 |
| Net loans and leases to deposits | 51.8937% | 5,487 |
| Net loans and leases to core deposits | 52.9147% | 5,570 |
| Total domestic deposits to total assets | 90.6824% | 473 |
| Equity capital to assets | 9.1397% | 5,138 |
| Core capital (leverage) ratio | 8.7216% | 5,326 |
| Tier 1 risk-based capital ratio | 13.8635% | 4,201 |
| Total risk-based capital ratio | 15.1159% | 4,133 |
| Memoranda: | ||
| Average total assets | $55,465,000 | 5,660 |
| Average earning assets | $51,518,200 | 5,630 |
| Average equity | $5,171,400 | 5,817 |
| Average total loans | $25,680,000 | 5,748 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7677% | 4,660 |
| Cost of funding earning assets | 0.5117% | 2,639 |
| Net interest margin | 3.2560% | 4,777 |
| Noninterest income to average assets | 0.7555% | 2,070 |
| Noninterest expense to average assets | 3.0220% | 2,728 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6236% | 4,333 |
| Return on assets (ROA) | 0.7459% | 3,791 |
| Pretax return on assets | 0.9143% | 3,930 |
| Return on Equity (ROE) | 7.9603% | 3,232 |
| Retained earnings to average equity (ytd only) | -5.3925% | 6,271 |
| Net charge-offs to loans | -0.3721% | 6,421 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7967% | 1,945 |
| Assets per employee ($millions) | 2.8815% | 5,872 |
| Cash dividends to net income (ytd only)* | 167.7441% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7500% | 1,824 |
| Loan loss allowance to noncurrent loans | 760.0000% | 703 |
| Noncurrent assets plus other real estate owned to assets | 1.3772% | 2,242 |
| Noncurrent loans to loans | 0.2303% | 5,206 |
| Net loans and leases to total assets | 46.7615% | 5,309 |
| Net loans and leases to deposits | 51.7286% | 5,547 |
| Net loans and leases to core deposits | 52.7660% | 5,637 |
| Total domestic deposits to total assets | 90.3978% | 571 |
| Equity capital to assets | 9.0999% | 5,252 |
| Core capital (leverage) ratio | 8.6098% | 5,544 |
| Tier 1 risk-based capital ratio | 13.6137% | 4,468 |
| Total risk-based capital ratio | 14.8655% | 4,408 |
| Memoranda: | ||
| Average total assets | $55,414,000 | 5,725 |
| Average earning assets | $51,595,250 | 5,692 |
| Average equity | $5,192,250 | 5,878 |
| Average total loans | $25,438,000 | 5,823 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6231% | 5,088 |
| Cost of funding earning assets | 0.5170% | 2,663 |
| Net interest margin | 3.1060% | 5,237 |
| Noninterest income to average assets | 0.6471% | 2,561 |
| Noninterest expense to average assets | 3.0268% | 2,734 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4127% | 5,162 |
| Return on assets (ROA) | 0.5824% | 4,540 |
| Pretax return on assets | 0.7261% | 4,547 |
| Return on Equity (ROE) | 6.1570% | 4,070 |
| Retained earnings to average equity (ytd only) | 6.1570% | 2,231 |
| Net charge-offs to loans | -0.2774% | 6,413 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4822% | 1,324 |
| Assets per employee ($millions) | 2.8974% | 5,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6572% | 2,266 |
| Loan loss allowance to noncurrent loans | 152.7273% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 1.5985% | 2,048 |
| Noncurrent loans to loans | 1.0851% | 3,059 |
| Net loans and leases to total assets | 45.2744% | 5,433 |
| Net loans and leases to deposits | 50.4616% | 5,605 |
| Net loans and leases to core deposits | 51.4746% | 5,700 |
| Total domestic deposits to total assets | 89.7204% | 954 |
| Equity capital to assets | 9.8091% | 4,337 |
| Core capital (leverage) ratio | 9.3035% | 4,585 |
| Tier 1 risk-based capital ratio | 14.9860% | 3,651 |
| Total risk-based capital ratio | 16.2013% | 3,607 |
| Memoranda: | ||
| Average total assets | $55,636,000 | 5,773 |
| Average earning assets | $51,834,670 | 5,737 |
| Average equity | $5,262,330 | 5,898 |
| Average total loans | $25,231,670 | 5,870 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7561% | 4,646 |
| Cost of funding earning assets | 0.5300% | 2,603 |
| Net interest margin | 3.2261% | 4,832 |
| Noninterest income to average assets | 0.6437% | 2,495 |
| Noninterest expense to average assets | 3.1397% | 2,405 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3740% | 5,210 |
| Return on assets (ROA) | 0.4005% | 5,182 |
| Pretax return on assets | 0.5436% | 5,033 |
| Return on Equity (ROE) | 4.3131% | 4,876 |
| Retained earnings to average equity (ytd only) | 4.3131% | 3,540 |
| Net charge-offs to loans | -0.2860% | 6,474 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0784% | 1,444 |
| Assets per employee ($millions) | 2.9115% | 5,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6234% | 2,599 |
| Loan loss allowance to noncurrent loans | 118.1818% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 1.7282% | 2,041 |
| Noncurrent loans to loans | 1.3737% | 2,732 |
| Net loans and leases to total assets | 44.1458% | 5,493 |
| Net loans and leases to deposits | 48.9909% | 5,671 |
| Net loans and leases to core deposits | 49.8632% | 5,776 |
| Total domestic deposits to total assets | 90.1101% | 1,007 |
| Equity capital to assets | 9.4778% | 4,528 |
| Core capital (leverage) ratio | 9.0174% | 4,984 |
| Tier 1 risk-based capital ratio | 15.1266% | 3,639 |
| Total risk-based capital ratio | 16.3282% | 3,625 |
| Memoranda: | ||
| Average total assets | $55,928,500 | 5,816 |
| Average earning assets | $52,075,000 | 5,787 |
| Average equity | $5,193,500 | 5,949 |
| Average total loans | $25,175,500 | 5,930 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9468% | 4,296 |
| Cost of funding earning assets | 0.5696% | 2,929 |
| Net interest margin | 3.3772% | 4,375 |
| Noninterest income to average assets | 0.4288% | 4,241 |
| Noninterest expense to average assets | 3.1715% | 2,506 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2769% | 5,600 |
| Return on assets (ROA) | 0.3065% | 5,599 |
| Pretax return on assets | 0.4057% | 5,484 |
| Return on Equity (ROE) | 3.1738% | 5,441 |
| Retained earnings to average equity (ytd only) | -3.4123% | 6,287 |
| Net charge-offs to loans | 0.1026% | 3,803 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 7.9615% | 2,757 |
| Efficiency ratio | 89.6345% | 1,052 |
| Assets per employee ($millions) | 2.6923% | 6,228 |
| Cash dividends to net income (ytd only)* | 207.5145% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5082% | 3,138 |
| Loan loss allowance to noncurrent loans | 103.7736% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 1.7705% | 2,092 |
| Noncurrent loans to loans | 1.4534% | 2,712 |
| Net loans and leases to total assets | 44.4692% | 5,633 |
| Net loans and leases to deposits | 49.1016% | 5,824 |
| Net loans and leases to core deposits | 49.9513% | 5,938 |
| Total domestic deposits to total assets | 90.5656% | 777 |
| Equity capital to assets | 9.0983% | 4,927 |
| Core capital (leverage) ratio | 8.6883% | 5,428 |
| Tier 1 risk-based capital ratio | 14.9249% | 3,715 |
| Total risk-based capital ratio | 16.0702% | 3,718 |
| Memoranda: | ||
| Average total assets | $56,440,400 | 5,851 |
| Average earning assets | $51,965,600 | 5,838 |
| Average equity | $5,450,800 | 5,944 |
| Average total loans | $25,335,400 | 5,965 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8752% | 4,594 |
| Cost of funding earning assets | 0.5772% | 3,023 |
| Net interest margin | 3.2981% | 4,644 |
| Noninterest income to average assets | 0.4561% | 4,114 |
| Noninterest expense to average assets | 3.1952% | 2,384 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1957% | 5,923 |
| Return on assets (ROA) | 0.2316% | 5,916 |
| Pretax return on assets | 0.3380% | 5,780 |
| Return on Equity (ROE) | 2.3638% | 5,833 |
| Retained earnings to average equity (ytd only) | 1.7608% | 5,257 |
| Net charge-offs to loans | -0.2320% | 6,676 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7855% | 868 |
| Assets per employee ($millions) | 2.7082% | 6,272 |
| Cash dividends to net income (ytd only)* | 25.5090% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8355% | 2,190 |
| Loan loss allowance to noncurrent loans | 104.5977% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 2.4300% | 1,594 |
| Noncurrent loans to loans | 1.7548% | 2,565 |
| Net loans and leases to total assets | 42.7866% | 5,838 |
| Net loans and leases to deposits | 47.7231% | 5,982 |
| Net loans and leases to core deposits | 48.2626% | 6,110 |
| Total domestic deposits to total assets | 89.6559% | 1,192 |
| Equity capital to assets | 9.5300% | 4,515 |
| Core capital (leverage) ratio | 9.0900% | 4,981 |
| Tier 1 risk-based capital ratio | 16.1277% | 3,115 |
| Total risk-based capital ratio | 17.3809% | 3,077 |
| Memoranda: | ||
| Average total assets | $56,416,000 | 5,920 |
| Average earning assets | $51,746,250 | 5,906 |
| Average equity | $5,527,500 | 5,991 |
| Average total loans | $25,287,500 | 6,022 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9049% | 4,457 |
| Cost of funding earning assets | 0.5857% | 3,077 |
| Net interest margin | 3.3191% | 4,489 |
| Noninterest income to average assets | 0.4870% | 3,918 |
| Noninterest expense to average assets | 3.2099% | 2,330 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1703% | 5,975 |
| Return on assets (ROA) | 0.2204% | 5,966 |
| Pretax return on assets | 0.3768% | 5,688 |
| Return on Equity (ROE) | 2.2289% | 5,873 |
| Retained earnings to average equity (ytd only) | 2.2289% | 4,856 |
| Net charge-offs to loans | -0.1964% | 6,659 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4894% | 933 |
| Assets per employee ($millions) | 2.6913% | 6,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7352% | 2,648 |
| Loan loss allowance to noncurrent loans | 84.6602% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 2.7231% | 1,529 |
| Noncurrent loans to loans | 2.0496% | 2,339 |
| Net loans and leases to total assets | 43.6877% | 5,767 |
| Net loans and leases to deposits | 48.8534% | 5,930 |
| Net loans and leases to core deposits | 49.4097% | 6,057 |
| Total domestic deposits to total assets | 89.4262% | 1,364 |
| Equity capital to assets | 9.4538% | 4,642 |
| Core capital (leverage) ratio | 9.2010% | 4,695 |
| Tier 1 risk-based capital ratio | 16.1944% | 3,091 |
| Total risk-based capital ratio | 17.4465% | 3,042 |
| Memoranda: | ||
| Average total assets | $56,263,670 | 5,967 |
| Average earning assets | $51,218,330 | 5,963 |
| Average equity | $5,563,330 | 6,028 |
| Average total loans | $25,453,670 | 6,047 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9753% | 4,219 |
| Cost of funding earning assets | 0.6177% | 2,940 |
| Net interest margin | 3.3576% | 4,282 |
| Noninterest income to average assets | 0.4845% | 3,888 |
| Noninterest expense to average assets | 3.1779% | 2,423 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2075% | 5,862 |
| Return on assets (ROA) | 0.2850% | 5,733 |
| Pretax return on assets | 0.4489% | 5,415 |
| Return on Equity (ROE) | 2.8201% | 5,656 |
| Retained earnings to average equity (ytd only) | 2.8201% | 4,593 |
| Net charge-offs to loans | -0.3904% | 6,815 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6504% | 1,091 |
| Assets per employee ($millions) | 2.7185% | 6,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7340% | 2,865 |
| Loan loss allowance to noncurrent loans | 71.2418% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 3.1810% | 1,372 |
| Noncurrent loans to loans | 2.4340% | 2,118 |
| Net loans and leases to total assets | 43.2798% | 5,732 |
| Net loans and leases to deposits | 48.2578% | 5,906 |
| Net loans and leases to core deposits | 48.7992% | 6,052 |
| Total domestic deposits to total assets | 89.6845% | 1,239 |
| Equity capital to assets | 9.9459% | 4,219 |
| Core capital (leverage) ratio | 9.2319% | 4,511 |
| Tier 1 risk-based capital ratio | 16.2948% | 3,107 |
| Total risk-based capital ratio | 17.5472% | 3,059 |
| Memoranda: | ||
| Average total assets | $56,137,000 | 6,018 |
| Average earning assets | $50,512,500 | 6,032 |
| Average equity | $5,673,500 | 6,056 |
| Average total loans | $25,617,000 | 6,087 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6202% | 2,917 |
| Cost of funding earning assets | 0.7004% | 3,490 |
| Net interest margin | 3.9198% | 2,747 |
| Noninterest income to average assets | 0.5215% | 3,763 |
| Noninterest expense to average assets | 3.3808% | 2,102 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5807% | 4,331 |
| Return on assets (ROA) | 0.6030% | 4,487 |
| Pretax return on assets | 0.7877% | 4,338 |
| Return on Equity (ROE) | 6.1469% | 4,089 |
| Retained earnings to average equity (ytd only) | 6.1469% | 1,992 |
| Net charge-offs to loans | 0.0862% | 4,816 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 16.7600% | 1,559 |
| Efficiency ratio | 81.6710% | 1,919 |
| Assets per employee ($millions) | 2.6279% | 6,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5753% | 3,419 |
| Loan loss allowance to noncurrent loans | 217.4603% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 2.8685% | 1,665 |
| Noncurrent loans to loans | 0.7244% | 4,732 |
| Net loans and leases to total assets | 46.5326% | 5,566 |
| Net loans and leases to deposits | 52.0883% | 5,796 |
| Net loans and leases to core deposits | 52.9682% | 5,944 |
| Total domestic deposits to total assets | 89.3341% | 1,346 |
| Equity capital to assets | 10.2727% | 3,795 |
| Core capital (leverage) ratio | 9.1310% | 4,686 |
| Tier 1 risk-based capital ratio | 15.8870% | 3,224 |
| Total risk-based capital ratio | 17.1359% | 3,184 |
| Memoranda: | ||
| Average total assets | $55,224,000 | 6,041 |
| Average earning assets | $50,972,200 | 6,011 |
| Average equity | $5,417,400 | 6,174 |
| Average total loans | $29,000,200 | 5,994 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6885% | 2,848 |
| Cost of funding earning assets | 0.7123% | 3,661 |
| Net interest margin | 3.9762% | 2,598 |
| Noninterest income to average assets | 0.5093% | 3,857 |
| Noninterest expense to average assets | 3.3578% | 2,112 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4506% | 5,031 |
| Return on assets (ROA) | 0.4321% | 5,349 |
| Pretax return on assets | 0.8014% | 4,478 |
| Return on Equity (ROE) | 4.4572% | 5,065 |
| Retained earnings to average equity (ytd only) | 4.4572% | 3,759 |
| Net charge-offs to loans | 0.0583% | 4,847 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 26.4662% | 1,213 |
| Efficiency ratio | 80.1729% | 2,072 |
| Assets per employee ($millions) | 2.6415% | 6,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5103% | 3,908 |
| Loan loss allowance to noncurrent loans | 68.2258% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 3.4703% | 1,447 |
| Noncurrent loans to loans | 2.2137% | 2,601 |
| Net loans and leases to total assets | 49.7269% | 5,345 |
| Net loans and leases to deposits | 55.4988% | 5,674 |
| Net loans and leases to core deposits | 56.4275% | 5,859 |
| Total domestic deposits to total assets | 89.6000% | 1,071 |
| Equity capital to assets | 10.0088% | 4,483 |
| Core capital (leverage) ratio | 8.9406% | 5,138 |
| Tier 1 risk-based capital ratio | 15.1294% | 3,754 |
| Total risk-based capital ratio | 16.3790% | 3,709 |
| Memoranda: | ||
| Average total assets | $55,233,750 | 6,114 |
| Average earning assets | $51,103,000 | 6,084 |
| Average equity | $5,354,500 | 6,258 |
| Average total loans | $29,727,750 | 6,038 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7707% | 2,636 |
| Cost of funding earning assets | 0.7240% | 3,816 |
| Net interest margin | 4.0466% | 2,309 |
| Noninterest income to average assets | 0.5077% | 3,878 |
| Noninterest expense to average assets | 3.3361% | 2,199 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5245% | 4,701 |
| Return on assets (ROA) | 0.4641% | 5,223 |
| Pretax return on assets | 0.8268% | 4,372 |
| Return on Equity (ROE) | 4.8405% | 4,878 |
| Retained earnings to average equity (ytd only) | 4.8405% | 3,372 |
| Net charge-offs to loans | 0.2046% | 3,345 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 8.1935% | 2,349 |
| Efficiency ratio | 78.3646% | 2,411 |
| Assets per employee ($millions) | 2.6491% | 6,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4333% | 4,327 |
| Loan loss allowance to noncurrent loans | 78.4884% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 3.3165% | 1,632 |
| Noncurrent loans to loans | 1.8261% | 3,182 |
| Net loans and leases to total assets | 50.0656% | 5,345 |
| Net loans and leases to deposits | 55.6561% | 5,688 |
| Net loans and leases to core deposits | 56.9256% | 5,867 |
| Total domestic deposits to total assets | 89.9552% | 948 |
| Equity capital to assets | 9.7248% | 4,724 |
| Core capital (leverage) ratio | 8.9592% | 4,966 |
| Tier 1 risk-based capital ratio | 15.1929% | 3,635 |
| Total risk-based capital ratio | 16.4240% | 3,618 |
| Memoranda: | ||
| Average total assets | $55,154,670 | 6,159 |
| Average earning assets | $51,104,000 | 6,116 |
| Average equity | $5,288,670 | 6,309 |
| Average total loans | $30,301,330 | 6,051 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9352% | 2,111 |
| Cost of funding earning assets | 0.7251% | 4,077 |
| Net interest margin | 4.2102% | 1,736 |
| Noninterest income to average assets | 0.6046% | 3,203 |
| Noninterest expense to average assets | 3.3942% | 2,022 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7109% | 3,832 |
| Return on assets (ROA) | 0.6410% | 4,370 |
| Pretax return on assets | 1.0343% | 3,556 |
| Return on Equity (ROE) | 6.7330% | 3,928 |
| Retained earnings to average equity (ytd only) | 6.7330% | 2,562 |
| Net charge-offs to loans | -0.1915% | 6,983 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7994% | 2,978 |
| Assets per employee ($millions) | 2.7595% | 6,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4869% | 4,230 |
| Loan loss allowance to noncurrent loans | 34.0892% | 5,961 |
| Noncurrent assets plus other real estate owned to assets | 3.2868% | 1,756 |
| Noncurrent loans to loans | 4.3619% | 1,360 |
| Net loans and leases to total assets | 54.1402% | 4,696 |
| Net loans and leases to deposits | 60.0905% | 5,135 |
| Net loans and leases to core deposits | 61.4688% | 5,383 |
| Total domestic deposits to total assets | 90.0978% | 1,030 |
| Equity capital to assets | 9.5887% | 4,661 |
| Core capital (leverage) ratio | 8.9798% | 4,874 |
| Tier 1 risk-based capital ratio | 15.7687% | 3,304 |
| Total risk-based capital ratio | 16.8533% | 3,357 |
| Memoranda: | ||
| Average total assets | $54,916,500 | 6,206 |
| Average earning assets | $51,304,500 | 6,143 |
| Average equity | $5,228,000 | 6,354 |
| Average total loans | $31,323,500 | 6,046 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9182% | 3,273 |
| Cost of funding earning assets | 0.8820% | 4,243 |
| Net interest margin | 4.0362% | 2,700 |
| Noninterest income to average assets | 0.5312% | 3,644 |
| Noninterest expense to average assets | 3.3069% | 2,503 |
| Loan and lease loss provision to assets | 0.0453% | 6,012 |
| Net operating income to assets | 0.6613% | 3,691 |
| Return on assets (ROA) | 0.6055% | 4,159 |
| Pretax return on assets | 0.8050% | 3,966 |
| Return on Equity (ROE) | 6.7658% | 3,513 |
| Retained earnings to average equity (ytd only) | 6.7658% | 1,612 |
| Net charge-offs to loans | -0.2165% | 7,215 |
| Credit loss provision to net charge-offs | -34.7222% | 6,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1491% | 2,570 |
| Assets per employee ($millions) | 2.8759% | 6,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 4,671 |
| Loan loss allowance to noncurrent loans | 30.9001% | 6,137 |
| Noncurrent assets plus other real estate owned to assets | 3.1093% | 1,922 |
| Noncurrent loans to loans | 4.3663% | 1,384 |
| Net loans and leases to total assets | 58.3423% | 4,310 |
| Net loans and leases to deposits | 64.6207% | 4,922 |
| Net loans and leases to core deposits | 65.7726% | 5,276 |
| Total domestic deposits to total assets | 90.2842% | 827 |
| Equity capital to assets | 9.4504% | 4,967 |
| Core capital (leverage) ratio | 8.7936% | 5,115 |
| Tier 1 risk-based capital ratio | 15.6416% | 3,242 |
| Total risk-based capital ratio | 16.8942% | 3,199 |
| Memoranda: | ||
| Average total assets | $55,157,200 | 6,196 |
| Average earning assets | $50,567,600 | 6,169 |
| Average equity | $4,936,600 | 6,464 |
| Average total loans | $33,258,200 | 5,994 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9454% | 3,354 |
| Cost of funding earning assets | 0.9357% | 4,150 |
| Net interest margin | 4.0098% | 2,876 |
| Noninterest income to average assets | 0.4630% | 4,194 |
| Noninterest expense to average assets | 3.2871% | 2,538 |
| Loan and lease loss provision to assets | 0.0121% | 6,285 |
| Net operating income to assets | 0.6236% | 4,000 |
| Return on assets (ROA) | 0.5667% | 4,408 |
| Pretax return on assets | 0.7476% | 4,319 |
| Return on Equity (ROE) | 6.4210% | 3,811 |
| Retained earnings to average equity (ytd only) | 6.4210% | 2,276 |
| Net charge-offs to loans | -0.2866% | 7,299 |
| Credit loss provision to net charge-offs | -6.9444% | 6,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7542% | 2,287 |
| Assets per employee ($millions) | 2.8438% | 6,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2773% | 5,111 |
| Loan loss allowance to noncurrent loans | 35.2542% | 5,943 |
| Noncurrent assets plus other real estate owned to assets | 2.7354% | 2,372 |
| Noncurrent loans to loans | 3.6231% | 1,894 |
| Net loans and leases to total assets | 59.5062% | 4,227 |
| Net loans and leases to deposits | 65.9130% | 4,918 |
| Net loans and leases to core deposits | 67.1000% | 5,296 |
| Total domestic deposits to total assets | 90.2800% | 731 |
| Equity capital to assets | 9.5793% | 4,962 |
| Core capital (leverage) ratio | 8.7111% | 5,392 |
| Tier 1 risk-based capital ratio | 15.9469% | 3,146 |
| Total risk-based capital ratio | 17.1970% | 3,101 |
| Memoranda: | ||
| Average total assets | $55,285,750 | 6,231 |
| Average earning assets | $50,442,500 | 6,226 |
| Average equity | $4,879,750 | 6,533 |
| Average total loans | $33,493,750 | 6,036 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8956% | 3,642 |
| Cost of funding earning assets | 0.9728% | 4,146 |
| Net interest margin | 3.9228% | 3,203 |
| Noninterest income to average assets | 0.4416% | 4,338 |
| Noninterest expense to average assets | 3.3571% | 2,379 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6463% | 3,816 |
| Return on assets (ROA) | 0.6104% | 4,135 |
| Pretax return on assets | 0.6104% | 4,716 |
| Return on Equity (ROE) | 7.1115% | 3,399 |
| Retained earnings to average equity (ytd only) | 7.1115% | 1,825 |
| Net charge-offs to loans | -0.4260% | 7,381 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8565% | 1,832 |
| Assets per employee ($millions) | 2.8495% | 6,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 5,391 |
| Loan loss allowance to noncurrent loans | 32.2100% | 6,134 |
| Noncurrent assets plus other real estate owned to assets | 2.9072% | 2,309 |
| Noncurrent loans to loans | 3.8345% | 1,811 |
| Net loans and leases to total assets | 60.7045% | 4,145 |
| Net loans and leases to deposits | 66.9014% | 4,869 |
| Net loans and leases to core deposits | 68.0286% | 5,290 |
| Total domestic deposits to total assets | 90.7371% | 612 |
| Equity capital to assets | 9.1723% | 5,317 |
| Core capital (leverage) ratio | 8.5210% | 5,518 |
| Tier 1 risk-based capital ratio | 15.6014% | 3,183 |
| Total risk-based capital ratio | 16.8512% | 3,142 |
| Memoranda: | ||
| Average total assets | $55,703,330 | 6,268 |
| Average earning assets | $50,576,330 | 6,271 |
| Average equity | $4,781,000 | 6,606 |
| Average total loans | $33,802,000 | 6,087 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8380% | 3,882 |
| Cost of funding earning assets | 1.0356% | 3,951 |
| Net interest margin | 3.8024% | 3,603 |
| Noninterest income to average assets | 0.4391% | 4,375 |
| Noninterest expense to average assets | 3.4558% | 2,127 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3895% | 4,997 |
| Return on assets (ROA) | 0.3895% | 5,087 |
| Pretax return on assets | 0.3895% | 5,373 |
| Return on Equity (ROE) | 4.6923% | 4,558 |
| Retained earnings to average equity (ytd only) | 4.6923% | 3,380 |
| Net charge-offs to loans | -0.6693% | 7,447 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8711% | 1,343 |
| Assets per employee ($millions) | 2.9036% | 6,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 5,717 |
| Loan loss allowance to noncurrent loans | 52.2427% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 1.9141% | 3,424 |
| Noncurrent loans to loans | 2.2603% | 3,238 |
| Net loans and leases to total assets | 60.0682% | 4,248 |
| Net loans and leases to deposits | 65.7507% | 5,007 |
| Net loans and leases to core deposits | 66.8273% | 5,427 |
| Total domestic deposits to total assets | 91.3575% | 462 |
| Equity capital to assets | 8.5356% | 5,856 |
| Core capital (leverage) ratio | 8.1483% | 6,056 |
| Tier 1 risk-based capital ratio | 15.2578% | 3,284 |
| Total risk-based capital ratio | 16.5210% | 3,236 |
| Memoranda: | ||
| Average total assets | $56,484,500 | 6,295 |
| Average earning assets | $50,599,500 | 6,324 |
| Average equity | $4,688,500 | 6,659 |
| Average total loans | $34,064,500 | 6,120 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5289% | 2,166 |
| Cost of funding earning assets | 1.3073% | 3,837 |
| Net interest margin | 4.2216% | 2,093 |
| Noninterest income to average assets | 0.4736% | 4,362 |
| Noninterest expense to average assets | 3.3059% | 2,723 |
| Loan and lease loss provision to assets | 0.0640% | 6,505 |
| Net operating income to assets | 0.6388% | 3,492 |
| Return on assets (ROA) | 0.6564% | 3,552 |
| Pretax return on assets | 0.8886% | 3,340 |
| Return on Equity (ROE) | 8.2761% | 2,591 |
| Retained earnings to average equity (ytd only) | 8.2761% | 893 |
| Net charge-offs to loans | 0.6695% | 3,003 |
| Credit loss provision to net charge-offs | 15.2174% | 6,590 |
| Earnings coverage of net charge-offs (x) | 2.2087% | 4,074 |
| Efficiency ratio | 78.0656% | 2,699 |
| Assets per employee ($millions) | 3.0421% | 6,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9799% | 6,458 |
| Loan loss allowance to noncurrent loans | 37.7506% | 5,794 |
| Noncurrent assets plus other real estate owned to assets | 2.3789% | 2,888 |
| Noncurrent loans to loans | 2.5958% | 2,936 |
| Net loans and leases to total assets | 59.2647% | 4,796 |
| Net loans and leases to deposits | 64.5407% | 5,571 |
| Net loans and leases to core deposits | 65.5410% | 5,924 |
| Total domestic deposits to total assets | 91.8253% | 318 |
| Equity capital to assets | 8.0761% | 6,406 |
| Core capital (leverage) ratio | 7.9520% | 6,266 |
| Tier 1 risk-based capital ratio | 15.0176% | 3,245 |
| Total risk-based capital ratio | 16.1401% | 3,270 |
| Memoranda: | ||
| Average total assets | $54,690,400 | 6,381 |
| Average earning assets | $48,725,600 | 6,413 |
| Average equity | $4,337,800 | 6,875 |
| Average total loans | $34,355,800 | 6,192 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4899% | 2,469 |
| Cost of funding earning assets | 1.3580% | 3,846 |
| Net interest margin | 4.1319% | 2,477 |
| Noninterest income to average assets | 0.4773% | 4,348 |
| Noninterest expense to average assets | 3.3238% | 2,503 |
| Loan and lease loss provision to assets | 0.0618% | 6,447 |
| Net operating income to assets | 0.7818% | 3,081 |
| Return on assets (ROA) | 0.8136% | 3,087 |
| Pretax return on assets | 0.8260% | 3,815 |
| Return on Equity (ROE) | 10.3087% | 2,003 |
| Retained earnings to average equity (ytd only) | 10.3087% | 725 |
| Net charge-offs to loans | 0.9991% | 2,006 |
| Credit loss provision to net charge-offs | 9.7276% | 6,337 |
| Earnings coverage of net charge-offs (x) | 1.3463% | 4,733 |
| Efficiency ratio | 79.5266% | 2,420 |
| Assets per employee ($millions) | 2.9514% | 6,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8937% | 6,765 |
| Loan loss allowance to noncurrent loans | 36.5617% | 5,895 |
| Noncurrent assets plus other real estate owned to assets | 2.3807% | 2,996 |
| Noncurrent loans to loans | 2.4443% | 3,183 |
| Net loans and leases to total assets | 59.7232% | 4,959 |
| Net loans and leases to deposits | 65.0740% | 5,780 |
| Net loans and leases to core deposits | 66.1133% | 6,113 |
| Total domestic deposits to total assets | 91.7774% | 232 |
| Equity capital to assets | 8.0336% | 6,773 |
| Core capital (leverage) ratio | 7.6429% | 6,730 |
| Tier 1 risk-based capital ratio | 14.4303% | 3,548 |
| Total risk-based capital ratio | 15.4421% | 3,666 |
| Memoranda: | ||
| Average total assets | $53,913,000 | 6,479 |
| Average earning assets | $48,305,750 | 6,496 |
| Average equity | $4,255,250 | 6,991 |
| Average total loans | $34,296,250 | 6,278 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4765% | 2,625 |
| Cost of funding earning assets | 1.3930% | 3,919 |
| Net interest margin | 4.0835% | 2,635 |
| Noninterest income to average assets | 0.4775% | 4,301 |
| Noninterest expense to average assets | 3.4517% | 2,143 |
| Loan and lease loss provision to assets | 0.0940% | 5,970 |
| Net operating income to assets | 0.6171% | 3,799 |
| Return on assets (ROA) | 0.6655% | 3,701 |
| Pretax return on assets | 0.6730% | 4,334 |
| Return on Equity (ROE) | 8.4851% | 2,675 |
| Retained earnings to average equity (ytd only) | 8.4851% | 1,270 |
| Net charge-offs to loans | 1.4914% | 1,285 |
| Credit loss provision to net charge-offs | 9.7276% | 5,939 |
| Earnings coverage of net charge-offs (x) | 0.7432% | 5,007 |
| Efficiency ratio | 82.7773% | 2,068 |
| Assets per employee ($millions) | 2.8309% | 6,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8673% | 6,859 |
| Loan loss allowance to noncurrent loans | 35.8670% | 5,975 |
| Noncurrent assets plus other real estate owned to assets | 2.9932% | 2,381 |
| Noncurrent loans to loans | 2.4181% | 3,231 |
| Net loans and leases to total assets | 64.1760% | 4,226 |
| Net loans and leases to deposits | 70.0538% | 5,272 |
| Net loans and leases to core deposits | 70.8547% | 5,789 |
| Total domestic deposits to total assets | 91.6097% | 310 |
| Equity capital to assets | 8.0222% | 6,737 |
| Core capital (leverage) ratio | 7.8027% | 6,493 |
| Tier 1 risk-based capital ratio | 13.4695% | 4,084 |
| Total risk-based capital ratio | 14.4520% | 4,241 |
| Memoranda: | ||
| Average total assets | $53,191,670 | 6,543 |
| Average earning assets | $48,096,000 | 6,545 |
| Average equity | $4,172,000 | 7,051 |
| Average total loans | $34,464,000 | 6,312 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3935% | 3,066 |
| Cost of funding earning assets | 1.4120% | 4,102 |
| Net interest margin | 3.9815% | 2,950 |
| Noninterest income to average assets | 0.4159% | 4,766 |
| Noninterest expense to average assets | 3.8644% | 1,222 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2111% | 5,641 |
| Return on assets (ROA) | 0.1966% | 5,821 |
| Pretax return on assets | 0.2042% | 5,867 |
| Return on Equity (ROE) | 2.5363% | 5,542 |
| Retained earnings to average equity (ytd only) | 2.5363% | 4,609 |
| Net charge-offs to loans | 0.1983% | 3,718 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.7059% | 3,708 |
| Efficiency ratio | 94.6296% | 1,099 |
| Assets per employee ($millions) | 2.6835% | 6,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5222% | 3,798 |
| Loan loss allowance to noncurrent loans | 61.8421% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 2.9066% | 2,466 |
| Noncurrent loans to loans | 2.4614% | 3,207 |
| Net loans and leases to total assets | 65.5991% | 3,955 |
| Net loans and leases to deposits | 71.7993% | 5,081 |
| Net loans and leases to core deposits | 72.3523% | 5,672 |
| Total domestic deposits to total assets | 91.3645% | 417 |
| Equity capital to assets | 8.1746% | 6,465 |
| Core capital (leverage) ratio | 7.5786% | 6,765 |
| Tier 1 risk-based capital ratio | 13.2911% | 4,135 |
| Total risk-based capital ratio | 14.5627% | 4,066 |
| Memoranda: | ||
| Average total assets | $52,893,500 | 6,637 |
| Average earning assets | $48,725,000 | 6,600 |
| Average equity | $4,100,500 | 7,143 |
| Average total loans | $34,285,500 | 6,404 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7565% | 2,837 |
| Cost of funding earning assets | 1.7365% | 4,327 |
| Net interest margin | 4.0200% | 2,784 |
| Noninterest income to average assets | 0.4305% | 4,953 |
| Noninterest expense to average assets | 3.4001% | 2,680 |
| Loan and lease loss provision to assets | 0.9482% | 2,376 |
| Net operating income to assets | -0.1211% | 5,709 |
| Return on assets (ROA) | -0.0095% | 5,550 |
| Pretax return on assets | 0.0190% | 5,392 |
| Return on Equity (ROE) | -0.1282% | 5,557 |
| Retained earnings to average equity (ytd only) | -0.1282% | 4,969 |
| Net charge-offs to loans | 0.5864% | 3,458 |
| Credit loss provision to net charge-offs | 251.2563% | 1,408 |
| Earnings coverage of net charge-offs (x) | 2.1005% | 4,161 |
| Efficiency ratio | 81.0945% | 2,735 |
| Assets per employee ($millions) | 2.7400% | 6,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5430% | 3,511 |
| Loan loss allowance to noncurrent loans | 66.0891% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 2.6533% | 2,648 |
| Noncurrent loans to loans | 2.3348% | 3,254 |
| Net loans and leases to total assets | 62.1770% | 4,950 |
| Net loans and leases to deposits | 68.0534% | 5,820 |
| Net loans and leases to core deposits | 78.3377% | 6,237 |
| Total domestic deposits to total assets | 91.3650% | 414 |
| Equity capital to assets | 7.3595% | 7,156 |
| Core capital (leverage) ratio | 7.0065% | 7,233 |
| Tier 1 risk-based capital ratio | 12.4176% | 4,578 |
| Total risk-based capital ratio | 13.6727% | 4,535 |
| Memoranda: | ||
| Average total assets | $52,733,200 | 6,604 |
| Average earning assets | $49,353,000 | 6,551 |
| Average equity | $3,899,800 | 7,328 |
| Average total loans | $33,936,200 | 6,399 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8051% | 2,868 |
| Cost of funding earning assets | 1.7843% | 4,453 |
| Net interest margin | 4.0208% | 2,721 |
| Noninterest income to average assets | 0.4417% | 4,955 |
| Noninterest expense to average assets | 3.3348% | 2,786 |
| Loan and lease loss provision to assets | 1.2767% | 1,510 |
| Net operating income to assets | -0.3907% | 6,306 |
| Return on assets (ROA) | -0.2783% | 6,185 |
| Pretax return on assets | -0.2655% | 6,059 |
| Return on Equity (ROE) | -3.7587% | 6,315 |
| Retained earnings to average equity (ytd only) | -3.7587% | 6,069 |
| Net charge-offs to loans | 0.7699% | 2,433 |
| Credit loss provision to net charge-offs | 256.4103% | 1,667 |
| Earnings coverage of net charge-offs (x) | 1.8051% | 4,448 |
| Efficiency ratio | 78.7696% | 3,039 |
| Assets per employee ($millions) | 2.6900% | 6,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6189% | 2,920 |
| Loan loss allowance to noncurrent loans | 67.8436% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 2.6673% | 2,612 |
| Noncurrent loans to loans | 2.3863% | 3,160 |
| Net loans and leases to total assets | 60.7706% | 5,459 |
| Net loans and leases to deposits | 68.7311% | 6,062 |
| Net loans and leases to core deposits | 79.8505% | 6,364 |
| Total domestic deposits to total assets | 88.4180% | 1,468 |
| Equity capital to assets | 7.4388% | 7,346 |
| Core capital (leverage) ratio | 7.0560% | 7,398 |
| Tier 1 risk-based capital ratio | 12.3539% | 4,664 |
| Total risk-based capital ratio | 13.6108% | 4,604 |
| Memoranda: | ||
| Average total assets | $52,216,500 | 6,674 |
| Average earning assets | $49,242,500 | 6,605 |
| Average equity | $3,866,500 | 7,394 |
| Average total loans | $33,768,500 | 6,458 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8220% | 2,949 |
| Cost of funding earning assets | 1.8319% | 4,599 |
| Net interest margin | 3.9902% | 2,737 |
| Noninterest income to average assets | 0.4179% | 5,136 |
| Noninterest expense to average assets | 3.3895% | 2,661 |
| Loan and lease loss provision to assets | 1.7992% | 918 |
| Net operating income to assets | -1.0099% | 6,994 |
| Return on assets (ROA) | -1.0563% | 7,022 |
| Pretax return on assets | -1.0331% | 6,839 |
| Return on Equity (ROE) | -14.2882% | 7,299 |
| Retained earnings to average equity (ytd only) | -14.2882% | 7,201 |
| Net charge-offs to loans | 1.1488% | 1,589 |
| Credit loss provision to net charge-offs | 238.4615% | 1,951 |
| Earnings coverage of net charge-offs (x) | 1.0769% | 4,711 |
| Efficiency ratio | 80.6630% | 2,941 |
| Assets per employee ($millions) | 2.6037% | 7,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4765% | 3,322 |
| Loan loss allowance to noncurrent loans | 31.9568% | 6,337 |
| Noncurrent assets plus other real estate owned to assets | 3.2378% | 1,931 |
| Noncurrent loans to loans | 4.6203% | 1,380 |
| Net loans and leases to total assets | 64.4557% | 4,885 |
| Net loans and leases to deposits | 72.7880% | 5,633 |
| Net loans and leases to core deposits | 83.7467% | 6,108 |
| Total domestic deposits to total assets | 88.5526% | 1,504 |
| Equity capital to assets | 7.1169% | 7,544 |
| Core capital (leverage) ratio | 6.6286% | 7,728 |
| Tier 1 risk-based capital ratio | 11.3692% | 5,534 |
| Total risk-based capital ratio | 12.6256% | 5,429 |
| Memoranda: | ||
| Average total assets | $51,689,000 | 6,764 |
| Average earning assets | $49,020,670 | 6,671 |
| Average equity | $3,821,330 | 7,468 |
| Average total loans | $33,947,330 | 6,504 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8814% | 2,891 |
| Cost of funding earning assets | 1.8899% | 4,683 |
| Net interest margin | 3.9915% | 2,681 |
| Noninterest income to average assets | 0.4194% | 5,058 |
| Noninterest expense to average assets | 3.4953% | 2,112 |
| Loan and lease loss provision to assets | 0.7612% | 1,690 |
| Net operating income to assets | -0.0699% | 6,359 |
| Return on assets (ROA) | -0.0621% | 6,473 |
| Pretax return on assets | -0.0233% | 6,407 |
| Return on Equity (ROE) | -0.8250% | 6,513 |
| Retained earnings to average equity (ytd only) | -0.8250% | 5,841 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7206% | 2,447 |
| Assets per employee ($millions) | 2.5208% | 7,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9773% | 6,333 |
| Loan loss allowance to noncurrent loans | 22.6868% | 7,033 |
| Noncurrent assets plus other real estate owned to assets | 3.1161% | 1,806 |
| Noncurrent loans to loans | 4.3078% | 1,362 |
| Net loans and leases to total assets | 66.5239% | 4,458 |
| Net loans and leases to deposits | 76.0827% | 5,213 |
| Net loans and leases to core deposits | 87.1230% | 5,827 |
| Total domestic deposits to total assets | 87.4363% | 1,998 |
| Equity capital to assets | 7.7953% | 7,079 |
| Core capital (leverage) ratio | 7.2437% | 7,435 |
| Tier 1 risk-based capital ratio | 12.3412% | 4,666 |
| Total risk-based capital ratio | 13.4337% | 4,700 |
| Memoranda: | ||
| Average total assets | $51,497,000 | 6,802 |
| Average earning assets | $49,104,000 | 6,705 |
| Average equity | $3,879,000 | 7,495 |
| Average total loans | $33,887,500 | 6,547 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3179% | 3,868 |
| Cost of funding earning assets | 2.4170% | 4,645 |
| Net interest margin | 3.9009% | 3,560 |
| Noninterest income to average assets | 0.4986% | 4,619 |
| Noninterest expense to average assets | 3.4006% | 2,679 |
| Loan and lease loss provision to assets | 0.0798% | 6,401 |
| Net operating income to assets | 0.5405% | 4,573 |
| Return on assets (ROA) | 0.5166% | 4,510 |
| Pretax return on assets | 0.6881% | 4,437 |
| Return on Equity (ROE) | 6.9030% | 3,581 |
| Retained earnings to average equity (ytd only) | 1.8390% | 4,087 |
| Net charge-offs to loans | 0.3081% | 3,339 |
| Credit loss provision to net charge-offs | 38.0952% | 6,466 |
| Earnings coverage of net charge-offs (x) | 3.8190% | 4,217 |
| Efficiency ratio | 80.9592% | 2,453 |
| Assets per employee ($millions) | 2.6290% | 6,941 |
| Cash dividends to net income (ytd only)* | 73.3591% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6872% | 7,463 |
| Loan loss allowance to noncurrent loans | 15.2687% | 7,387 |
| Noncurrent assets plus other real estate owned to assets | 3.1286% | 1,465 |
| Noncurrent loans to loans | 4.5007% | 1,063 |
| Net loans and leases to total assets | 64.0427% | 5,265 |
| Net loans and leases to deposits | 73.3026% | 5,916 |
| Net loans and leases to core deposits | 81.8856% | 6,472 |
| Total domestic deposits to total assets | 87.3676% | 1,772 |
| Equity capital to assets | 7.2805% | 7,571 |
| Core capital (leverage) ratio | 7.1367% | 7,584 |
| Tier 1 risk-based capital ratio | 12.0020% | 4,824 |
| Total risk-based capital ratio | 12.7482% | 5,133 |
| Memoranda: | ||
| Average total assets | $50,137,800 | 6,769 |
| Average earning assets | $47,579,200 | 6,683 |
| Average equity | $3,752,000 | 7,595 |
| Average total loans | $34,080,600 | 6,482 |