Home > The Peoples' Bank of Arlington Heights > Performance and Condition Ratios
The Peoples' Bank of Arlington Heights, Performance and Condition Ratios
| 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 | 3.5965% | 4,751 |
| Cost of funding earning assets | 0.3406% | 3,853 |
| Net interest margin | 3.2559% | 4,501 |
| Noninterest income to average assets | 0.1149% | 5,898 |
| Noninterest expense to average assets | 2.5273% | 4,112 |
| Loan and lease loss provision to assets | -0.1124% | 6,015 |
| Net operating income to assets | 0.4923% | 4,817 |
| Return on assets (ROA) | 0.4793% | 4,959 |
| Pretax return on assets | 0.7263% | 4,586 |
| Return on Equity (ROE) | 4.1489% | 4,975 |
| Retained earnings to average equity (ytd only) | 4.1489% | 3,510 |
| Net charge-offs to loans | -0.1647% | 5,944 |
| Credit loss provision to net charge-offs | 130.0000% | 1,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9531% | 1,663 |
| Assets per employee ($millions) | 7.6171% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8156% | 1,235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5242% | 3,745 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 52.7387% | 4,687 |
| Net loans and leases to deposits | 60.4121% | 4,827 |
| Net loans and leases to core deposits | 65.9985% | 4,689 |
| Total domestic deposits to total assets | 87.2983% | 1,893 |
| Equity capital to assets | 11.9909% | 2,118 |
| Core capital (leverage) ratio | 11.4542% | 2,071 |
| Tier 1 risk-based capital ratio | 18.9043% | 1,799 |
| Total risk-based capital ratio | 20.1584% | 1,764 |
| Memoranda: | ||
| Average total assets | $107,940,000 | 4,346 |
| Average earning assets | $100,984,750 | 4,307 |
| Average equity | $12,468,750 | 4,271 |
| Average total loans | $56,668,250 | 4,520 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5681% | 4,816 |
| Cost of funding earning assets | 0.3416% | 3,901 |
| Net interest margin | 3.2265% | 4,578 |
| Noninterest income to average assets | 0.1144% | 5,974 |
| Noninterest expense to average assets | 2.5135% | 4,198 |
| Loan and lease loss provision to assets | -0.1495% | 6,132 |
| Net operating income to assets | 0.5030% | 4,756 |
| Return on assets (ROA) | 0.4835% | 4,942 |
| Pretax return on assets | 0.7363% | 4,539 |
| Return on Equity (ROE) | 4.2386% | 4,932 |
| Retained earnings to average equity (ytd only) | 4.2386% | 3,336 |
| Net charge-offs to loans | -0.2125% | 6,039 |
| Credit loss provision to net charge-offs | 135.0000% | 1,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3066% | 1,713 |
| Assets per employee ($millions) | 7.7384% | 599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8132% | 1,340 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6877% | 3,341 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 51.9836% | 4,757 |
| Net loans and leases to deposits | 59.5624% | 4,888 |
| Net loans and leases to core deposits | 64.9723% | 4,734 |
| Total domestic deposits to total assets | 87.2759% | 2,025 |
| Equity capital to assets | 11.5666% | 2,357 |
| Core capital (leverage) ratio | 11.3656% | 2,106 |
| Tier 1 risk-based capital ratio | 18.5026% | 1,920 |
| Total risk-based capital ratio | 19.7577% | 1,885 |
| Memoranda: | ||
| Average total assets | $108,373,670 | 4,373 |
| Average earning assets | $101,285,330 | 4,339 |
| Average equity | $12,362,670 | 4,313 |
| Average total loans | $56,464,330 | 4,562 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5154% | 4,914 |
| Cost of funding earning assets | 0.3515% | 3,840 |
| Net interest margin | 3.1638% | 4,743 |
| Noninterest income to average assets | 0.1144% | 6,021 |
| Noninterest expense to average assets | 2.4910% | 4,290 |
| Loan and lease loss provision to assets | -0.0959% | 6,203 |
| Net operating income to assets | 0.4608% | 4,826 |
| Return on assets (ROA) | 0.4207% | 5,116 |
| Pretax return on assets | 0.6163% | 4,870 |
| Return on Equity (ROE) | 3.7138% | 5,103 |
| Retained earnings to average equity (ytd only) | 3.7138% | 3,781 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1298% | 1,741 |
| Assets per employee ($millions) | 7.7789% | 599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8324% | 1,428 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6841% | 3,439 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 50.9146% | 4,755 |
| Net loans and leases to deposits | 57.5910% | 4,946 |
| Net loans and leases to core deposits | 62.3291% | 4,819 |
| Total domestic deposits to total assets | 88.4072% | 1,593 |
| Equity capital to assets | 11.4275% | 2,531 |
| Core capital (leverage) ratio | 11.3178% | 2,142 |
| Tier 1 risk-based capital ratio | 19.3440% | 1,781 |
| Total risk-based capital ratio | 20.5982% | 1,733 |
| Memoranda: | ||
| Average total assets | $108,391,500 | 4,402 |
| Average earning assets | $101,270,000 | 4,361 |
| Average equity | $12,278,500 | 4,365 |
| Average total loans | $56,017,500 | 4,613 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8866% | 4,174 |
| Cost of funding earning assets | 0.4100% | 3,588 |
| Net interest margin | 3.4766% | 3,878 |
| Noninterest income to average assets | 0.2108% | 5,597 |
| Noninterest expense to average assets | 2.8306% | 3,378 |
| Loan and lease loss provision to assets | -0.3911% | 6,418 |
| Net operating income to assets | 0.6308% | 4,232 |
| Return on assets (ROA) | 0.6258% | 4,355 |
| Pretax return on assets | 0.9674% | 3,622 |
| Return on Equity (ROE) | 5.5626% | 4,380 |
| Retained earnings to average equity (ytd only) | 5.5626% | 2,224 |
| Net charge-offs to loans | 0.0035% | 4,888 |
| Credit loss provision to net charge-offs | -20,500.0000% | 6,107 |
| Earnings coverage of net charge-offs (x) | 306.0000% | 184 |
| Efficiency ratio | 82.9003% | 1,547 |
| Assets per employee ($millions) | 6.7424% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9099% | 1,293 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6850% | 3,520 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 50.5112% | 4,916 |
| Net loans and leases to deposits | 57.0730% | 5,121 |
| Net loans and leases to core deposits | 61.9836% | 4,998 |
| Total domestic deposits to total assets | 88.5029% | 1,524 |
| Equity capital to assets | 11.2274% | 2,670 |
| Core capital (leverage) ratio | 11.5818% | 1,913 |
| Tier 1 risk-based capital ratio | 18.5692% | 1,971 |
| Total risk-based capital ratio | 19.8240% | 1,936 |
| Memoranda: | ||
| Average total assets | $104,820,400 | 4,485 |
| Average earning assets | $96,589,400 | 4,493 |
| Average equity | $11,793,000 | 4,400 |
| Average total loans | $56,522,000 | 4,599 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9898% | 3,800 |
| Cost of funding earning assets | 0.4215% | 3,558 |
| Net interest margin | 3.5684% | 3,562 |
| Noninterest income to average assets | 0.2345% | 5,529 |
| Noninterest expense to average assets | 2.8868% | 3,173 |
| Loan and lease loss provision to assets | -0.2024% | 6,390 |
| Net operating income to assets | 0.5432% | 4,698 |
| Return on assets (ROA) | 0.5382% | 4,789 |
| Pretax return on assets | 0.8188% | 4,290 |
| Return on Equity (ROE) | 4.7808% | 4,825 |
| Retained earnings to average equity (ytd only) | 4.7808% | 3,227 |
| Net charge-offs to loans | 0.2560% | 1,513 |
| Credit loss provision to net charge-offs | -144.9541% | 5,501 |
| Earnings coverage of net charge-offs (x) | 4.4679% | 3,450 |
| Efficiency ratio | 82.2263% | 1,589 |
| Assets per employee ($millions) | 6.4626% | 1,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2261% | 910 |
| Loan loss allowance to noncurrent loans | 2,151.7857% | 287 |
| Noncurrent assets plus other real estate owned to assets | 1.4652% | 2,104 |
| Noncurrent loans to loans | 0.1035% | 5,627 |
| Net loans and leases to total assets | 51.1847% | 4,878 |
| Net loans and leases to deposits | 58.8014% | 5,032 |
| Net loans and leases to core deposits | 59.3042% | 5,239 |
| Total domestic deposits to total assets | 87.0467% | 2,295 |
| Equity capital to assets | 11.6545% | 2,359 |
| Core capital (leverage) ratio | 12.0115% | 1,695 |
| Tier 1 risk-based capital ratio | 19.0058% | 1,903 |
| Total risk-based capital ratio | 20.2647% | 1,867 |
| Memoranda: | ||
| Average total assets | $104,055,750 | 4,545 |
| Average earning assets | $95,540,000 | 4,559 |
| Average equity | $11,713,250 | 4,445 |
| Average total loans | $56,764,500 | 4,633 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0258% | 3,634 |
| Cost of funding earning assets | 0.4287% | 3,566 |
| Net interest margin | 3.5971% | 3,368 |
| Noninterest income to average assets | 0.2398% | 5,478 |
| Noninterest expense to average assets | 2.8444% | 3,353 |
| Loan and lease loss provision to assets | -0.3280% | 6,540 |
| Net operating income to assets | 0.6629% | 4,028 |
| Return on assets (ROA) | 0.6579% | 4,156 |
| Pretax return on assets | 1.0146% | 3,426 |
| Return on Equity (ROE) | 5.9135% | 4,200 |
| Retained earnings to average equity (ytd only) | 5.9135% | 2,370 |
| Net charge-offs to loans | 0.4996% | 809 |
| Credit loss provision to net charge-offs | -118.7500% | 5,290 |
| Earnings coverage of net charge-offs (x) | 2.5139% | 3,533 |
| Efficiency ratio | 80.3794% | 1,968 |
| Assets per employee ($millions) | 6.8951% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0373% | 1,301 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0527% | 1,543 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 53.8385% | 4,561 |
| Net loans and leases to deposits | 62.3571% | 4,657 |
| Net loans and leases to core deposits | 62.8938% | 4,907 |
| Total domestic deposits to total assets | 86.3390% | 2,850 |
| Equity capital to assets | 11.6025% | 2,324 |
| Core capital (leverage) ratio | 11.7536% | 1,820 |
| Tier 1 risk-based capital ratio | 17.6206% | 2,375 |
| Total risk-based capital ratio | 18.8758% | 2,345 |
| Memoranda: | ||
| Average total assets | $104,273,670 | 4,576 |
| Average earning assets | $95,632,000 | 4,590 |
| Average equity | $11,600,670 | 4,474 |
| Average total loans | $57,642,330 | 4,632 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9021% | 4,080 |
| Cost of funding earning assets | 0.4368% | 3,575 |
| Net interest margin | 3.4653% | 3,838 |
| Noninterest income to average assets | 0.1719% | 5,941 |
| Noninterest expense to average assets | 2.8348% | 3,440 |
| Loan and lease loss provision to assets | 0.1108% | 2,096 |
| Net operating income to assets | 0.2942% | 5,516 |
| Return on assets (ROA) | 0.2942% | 5,557 |
| Pretax return on assets | 0.4088% | 5,425 |
| Return on Equity (ROE) | 2.7015% | 5,561 |
| Retained earnings to average equity (ytd only) | 2.7015% | 4,464 |
| Net charge-offs to loans | 0.0965% | 2,202 |
| Credit loss provision to net charge-offs | 207.1429% | 1,010 |
| Earnings coverage of net charge-offs (x) | 9.7143% | 1,914 |
| Efficiency ratio | 84.5103% | 1,614 |
| Assets per employee ($millions) | 6.9545% | 819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5705% | 747 |
| Loan loss allowance to noncurrent loans | 94.7771% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 2.7483% | 1,098 |
| Noncurrent loans to loans | 2.7121% | 1,243 |
| Net loans and leases to total assets | 54.0655% | 4,406 |
| Net loans and leases to deposits | 61.0833% | 4,656 |
| Net loans and leases to core deposits | 62.2503% | 4,854 |
| Total domestic deposits to total assets | 88.5111% | 1,930 |
| Equity capital to assets | 11.0403% | 2,683 |
| Core capital (leverage) ratio | 11.3245% | 2,110 |
| Tier 1 risk-based capital ratio | 17.2816% | 2,560 |
| Total risk-based capital ratio | 18.5414% | 2,521 |
| Memoranda: | ||
| Average total assets | $104,697,500 | 4,612 |
| Average earning assets | $96,153,000 | 4,622 |
| Average equity | $11,401,000 | 4,525 |
| Average total loans | $58,043,000 | 4,653 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0980% | 3,745 |
| Cost of funding earning assets | 0.4895% | 3,716 |
| Net interest margin | 3.6085% | 3,430 |
| Noninterest income to average assets | 0.1926% | 5,936 |
| Noninterest expense to average assets | 2.7809% | 3,790 |
| Loan and lease loss provision to assets | 0.2662% | 1,325 |
| Net operating income to assets | 0.3289% | 5,416 |
| Return on assets (ROA) | 0.3436% | 5,472 |
| Pretax return on assets | 0.4852% | 5,240 |
| Return on Equity (ROE) | 3.1487% | 5,451 |
| Retained earnings to average equity (ytd only) | 3.1487% | 3,995 |
| Net charge-offs to loans | 1.6130% | 284 |
| Credit loss provision to net charge-offs | 30.0000% | 4,251 |
| Earnings coverage of net charge-offs (x) | 0.8234% | 4,812 |
| Efficiency ratio | 79.1935% | 2,287 |
| Assets per employee ($millions) | 7.0051% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5310% | 799 |
| Loan loss allowance to noncurrent loans | 97.5497% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 2.6542% | 1,264 |
| Noncurrent loans to loans | 2.5946% | 1,444 |
| Net loans and leases to total assets | 53.9842% | 4,583 |
| Net loans and leases to deposits | 60.7094% | 4,871 |
| Net loans and leases to core deposits | 62.0237% | 5,049 |
| Total domestic deposits to total assets | 88.9224% | 1,682 |
| Equity capital to assets | 10.7397% | 2,886 |
| Core capital (leverage) ratio | 11.1813% | 2,216 |
| Tier 1 risk-based capital ratio | 17.3112% | 2,487 |
| Total risk-based capital ratio | 18.5725% | 2,458 |
| Memoranda: | ||
| Average total assets | $105,937,000 | 4,591 |
| Average earning assets | $97,437,800 | 4,582 |
| Average equity | $11,560,400 | 4,533 |
| Average total loans | $58,275,800 | 4,674 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8561% | 4,649 |
| Cost of funding earning assets | 0.4969% | 3,800 |
| Net interest margin | 3.3593% | 4,434 |
| Noninterest income to average assets | 0.2047% | 5,955 |
| Noninterest expense to average assets | 2.8273% | 3,568 |
| Loan and lease loss provision to assets | 0.0565% | 3,925 |
| Net operating income to assets | 0.2966% | 5,627 |
| Return on assets (ROA) | 0.3165% | 5,671 |
| Pretax return on assets | 0.4396% | 5,527 |
| Return on Equity (ROE) | 2.8892% | 5,644 |
| Retained earnings to average equity (ytd only) | 2.8892% | 4,598 |
| Net charge-offs to loans | 1.2602% | 424 |
| Credit loss provision to net charge-offs | 8.1670% | 4,236 |
| Earnings coverage of net charge-offs (x) | 0.6769% | 4,622 |
| Efficiency ratio | 85.7851% | 1,380 |
| Assets per employee ($millions) | 7.1533% | 684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7600% | 698 |
| Loan loss allowance to noncurrent loans | 78.3614% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 2.8555% | 1,300 |
| Noncurrent loans to loans | 3.5221% | 1,077 |
| Net loans and leases to total assets | 53.3896% | 4,700 |
| Net loans and leases to deposits | 60.9041% | 4,876 |
| Net loans and leases to core deposits | 62.2117% | 5,097 |
| Total domestic deposits to total assets | 87.6617% | 2,318 |
| Equity capital to assets | 10.4418% | 3,353 |
| Core capital (leverage) ratio | 10.9601% | 2,520 |
| Tier 1 risk-based capital ratio | 17.0525% | 2,687 |
| Total risk-based capital ratio | 18.3140% | 2,646 |
| Memoranda: | ||
| Average total assets | $106,152,000 | 4,637 |
| Average earning assets | $97,677,750 | 4,619 |
| Average equity | $11,629,250 | 4,568 |
| Average total loans | $58,295,250 | 4,715 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8286% | 4,736 |
| Cost of funding earning assets | 0.5099% | 3,804 |
| Net interest margin | 3.3187% | 4,494 |
| Noninterest income to average assets | 0.2156% | 5,898 |
| Noninterest expense to average assets | 2.7702% | 3,782 |
| Loan and lease loss provision to assets | 0.0567% | 3,867 |
| Net operating income to assets | 0.3127% | 5,557 |
| Return on assets (ROA) | 0.3423% | 5,605 |
| Pretax return on assets | 0.4822% | 5,429 |
| Return on Equity (ROE) | 3.0754% | 5,595 |
| Retained earnings to average equity (ytd only) | 3.0754% | 4,366 |
| Net charge-offs to loans | 2.1037% | 206 |
| Credit loss provision to net charge-offs | 4.9100% | 3,958 |
| Earnings coverage of net charge-offs (x) | 0.4304% | 4,398 |
| Efficiency ratio | 84.7801% | 1,550 |
| Assets per employee ($millions) | 6.6753% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7783% | 730 |
| Loan loss allowance to noncurrent loans | 72.5316% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 2.8126% | 1,466 |
| Noncurrent loans to loans | 3.8304% | 1,054 |
| Net loans and leases to total assets | 50.7846% | 5,021 |
| Net loans and leases to deposits | 57.0437% | 5,245 |
| Net loans and leases to core deposits | 58.9469% | 5,349 |
| Total domestic deposits to total assets | 89.0276% | 1,619 |
| Equity capital to assets | 10.7459% | 3,005 |
| Core capital (leverage) ratio | 11.1297% | 2,226 |
| Tier 1 risk-based capital ratio | 17.6215% | 2,467 |
| Total risk-based capital ratio | 18.8834% | 2,428 |
| Memoranda: | ||
| Average total assets | $105,769,330 | 4,677 |
| Average earning assets | $97,267,670 | 4,665 |
| Average equity | $11,771,000 | 4,577 |
| Average total loans | $58,089,330 | 4,742 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8103% | 4,796 |
| Cost of funding earning assets | 0.5343% | 3,731 |
| Net interest margin | 3.2760% | 4,608 |
| Noninterest income to average assets | 0.1254% | 6,474 |
| Noninterest expense to average assets | 2.7059% | 4,031 |
| Loan and lease loss provision to assets | 0.0570% | 3,683 |
| Net operating income to assets | 0.2736% | 5,651 |
| Return on assets (ROA) | 0.2736% | 5,773 |
| Pretax return on assets | 0.3686% | 5,651 |
| Return on Equity (ROE) | 2.4165% | 5,808 |
| Retained earnings to average equity (ytd only) | 2.4165% | 4,820 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4078% | 1,467 |
| Assets per employee ($millions) | 7.0333% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7149% | 352 |
| Loan loss allowance to noncurrent loans | 79.0133% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 5.0938% | 708 |
| Noncurrent loans to loans | 4.7016% | 851 |
| Net loans and leases to total assets | 52.7213% | 4,595 |
| Net loans and leases to deposits | 59.5878% | 4,844 |
| Net loans and leases to core deposits | 61.4413% | 5,006 |
| Total domestic deposits to total assets | 88.4768% | 2,023 |
| Equity capital to assets | 11.3062% | 2,628 |
| Core capital (leverage) ratio | 10.9018% | 2,349 |
| Tier 1 risk-based capital ratio | 16.8035% | 2,857 |
| Total risk-based capital ratio | 18.0789% | 2,808 |
| Memoranda: | ||
| Average total assets | $105,252,000 | 4,738 |
| Average earning assets | $96,580,500 | 4,725 |
| Average equity | $11,918,000 | 4,594 |
| Average total loans | $59,239,000 | 4,730 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0558% | 5,119 |
| Cost of funding earning assets | 0.6082% | 4,266 |
| Net interest margin | 3.4476% | 4,711 |
| Noninterest income to average assets | 0.1389% | 6,345 |
| Noninterest expense to average assets | 2.7911% | 4,055 |
| Loan and lease loss provision to assets | 0.3602% | 1,841 |
| Net operating income to assets | 0.1398% | 5,914 |
| Return on assets (ROA) | 0.3797% | 5,412 |
| Pretax return on assets | 0.5584% | 5,107 |
| Return on Equity (ROE) | 3.4941% | 5,352 |
| Retained earnings to average equity (ytd only) | 3.4941% | 3,758 |
| Net charge-offs to loans | 0.3640% | 2,809 |
| Credit loss provision to net charge-offs | 162.0833% | 1,659 |
| Earnings coverage of net charge-offs (x) | 2.5458% | 4,142 |
| Efficiency ratio | 83.1448% | 1,726 |
| Assets per employee ($millions) | 7.0003% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5101% | 422 |
| Loan loss allowance to noncurrent loans | 42.7826% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 5.1436% | 743 |
| Noncurrent loans to loans | 8.2044% | 346 |
| Net loans and leases to total assets | 55.7884% | 4,329 |
| Net loans and leases to deposits | 63.0713% | 4,654 |
| Net loans and leases to core deposits | 65.0419% | 4,829 |
| Total domestic deposits to total assets | 88.4528% | 1,922 |
| Equity capital to assets | 11.3405% | 2,591 |
| Core capital (leverage) ratio | 10.9344% | 2,312 |
| Tier 1 risk-based capital ratio | 16.7872% | 2,751 |
| Total risk-based capital ratio | 18.0621% | 2,704 |
| Memoranda: | ||
| Average total assets | $107,984,600 | 4,638 |
| Average earning assets | $100,794,200 | 4,577 |
| Average equity | $11,734,200 | 4,625 |
| Average total loans | $65,930,000 | 4,508 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0839% | 5,249 |
| Cost of funding earning assets | 0.6258% | 4,405 |
| Net interest margin | 3.4581% | 4,812 |
| Noninterest income to average assets | 0.1349% | 6,467 |
| Noninterest expense to average assets | 2.7995% | 3,980 |
| Loan and lease loss provision to assets | 0.3973% | 1,611 |
| Net operating income to assets | 0.1165% | 6,100 |
| Return on assets (ROA) | 0.3667% | 5,582 |
| Pretax return on assets | 0.5383% | 5,348 |
| Return on Equity (ROE) | 3.4100% | 5,530 |
| Retained earnings to average equity (ytd only) | 3.4100% | 4,464 |
| Net charge-offs to loans | 0.5156% | 2,062 |
| Credit loss provision to net charge-offs | 124.6154% | 2,321 |
| Earnings coverage of net charge-offs (x) | 1.7808% | 4,377 |
| Efficiency ratio | 83.1391% | 1,689 |
| Assets per employee ($millions) | 6.9961% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2301% | 586 |
| Loan loss allowance to noncurrent loans | 33.7512% | 5,946 |
| Noncurrent assets plus other real estate owned to assets | 5.8290% | 708 |
| Noncurrent loans to loans | 9.5703% | 272 |
| Net loans and leases to total assets | 58.4100% | 4,060 |
| Net loans and leases to deposits | 66.0674% | 4,464 |
| Net loans and leases to core deposits | 68.1309% | 4,714 |
| Total domestic deposits to total assets | 88.4097% | 1,783 |
| Equity capital to assets | 11.3473% | 2,894 |
| Core capital (leverage) ratio | 10.5600% | 2,850 |
| Tier 1 risk-based capital ratio | 16.1452% | 3,196 |
| Total risk-based capital ratio | 17.4030% | 3,161 |
| Memoranda: | ||
| Average total assets | $108,729,750 | 4,669 |
| Average earning assets | $101,633,500 | 4,603 |
| Average equity | $11,690,750 | 4,674 |
| Average total loans | $67,234,750 | 4,495 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0984% | 5,318 |
| Cost of funding earning assets | 0.6491% | 4,450 |
| Net interest margin | 3.4493% | 4,886 |
| Noninterest income to average assets | 0.1309% | 6,531 |
| Noninterest expense to average assets | 2.9475% | 3,450 |
| Loan and lease loss provision to assets | 0.4255% | 1,533 |
| Net operating income to assets | -0.0098% | 6,332 |
| Return on assets (ROA) | 0.2982% | 5,828 |
| Pretax return on assets | 0.4255% | 5,645 |
| Return on Equity (ROE) | 2.8231% | 5,754 |
| Retained earnings to average equity (ytd only) | 2.8231% | 4,745 |
| Net charge-offs to loans | 0.7909% | 1,392 |
| Credit loss provision to net charge-offs | 86.3469% | 3,150 |
| Earnings coverage of net charge-offs (x) | 0.8339% | 4,642 |
| Efficiency ratio | 87.7639% | 1,253 |
| Assets per employee ($millions) | 7.1030% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9717% | 804 |
| Loan loss allowance to noncurrent loans | 32.3735% | 6,047 |
| Noncurrent assets plus other real estate owned to assets | 5.6389% | 778 |
| Noncurrent loans to loans | 9.1794% | 321 |
| Net loans and leases to total assets | 59.6049% | 3,896 |
| Net loans and leases to deposits | 67.1652% | 4,335 |
| Net loans and leases to core deposits | 69.2194% | 4,634 |
| Total domestic deposits to total assets | 88.7437% | 1,674 |
| Equity capital to assets | 11.0385% | 3,075 |
| Core capital (leverage) ratio | 10.4352% | 2,875 |
| Tier 1 risk-based capital ratio | 15.4554% | 3,473 |
| Total risk-based capital ratio | 16.7233% | 3,423 |
| Memoranda: | ||
| Average total assets | $109,992,670 | 4,670 |
| Average earning assets | $102,919,330 | 4,608 |
| Average equity | $11,618,330 | 4,691 |
| Average total loans | $68,532,330 | 4,468 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1341% | 5,342 |
| Cost of funding earning assets | 0.6686% | 4,549 |
| Net interest margin | 3.4655% | 4,842 |
| Noninterest income to average assets | 0.1289% | 6,604 |
| Noninterest expense to average assets | 2.8178% | 3,952 |
| Loan and lease loss provision to assets | 0.3222% | 1,949 |
| Net operating income to assets | 0.1570% | 6,101 |
| Return on assets (ROA) | 0.4619% | 5,187 |
| Pretax return on assets | 0.6982% | 4,795 |
| Return on Equity (ROE) | 4.4687% | 5,059 |
| Retained earnings to average equity (ytd only) | 4.4687% | 3,909 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4571% | 1,743 |
| Assets per employee ($millions) | 7.2807% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0379% | 806 |
| Loan loss allowance to noncurrent loans | 26.5131% | 6,319 |
| Noncurrent assets plus other real estate owned to assets | 7.1559% | 586 |
| Noncurrent loans to loans | 11.4583% | 228 |
| Net loans and leases to total assets | 60.5543% | 3,545 |
| Net loans and leases to deposits | 67.7943% | 4,100 |
| Net loans and leases to core deposits | 69.6156% | 4,477 |
| Total domestic deposits to total assets | 89.3207% | 1,471 |
| Equity capital to assets | 10.5319% | 3,452 |
| Core capital (leverage) ratio | 10.0864% | 3,260 |
| Tier 1 risk-based capital ratio | 14.7756% | 3,908 |
| Total risk-based capital ratio | 16.0400% | 3,858 |
| Memoranda: | ||
| Average total assets | $111,716,500 | 4,659 |
| Average earning assets | $104,689,500 | 4,585 |
| Average equity | $11,547,000 | 4,713 |
| Average total loans | $70,073,000 | 4,447 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3831% | 5,486 |
| Cost of funding earning assets | 0.9684% | 3,588 |
| Net interest margin | 3.4146% | 5,440 |
| Noninterest income to average assets | 0.1353% | 6,475 |
| Noninterest expense to average assets | 2.4416% | 5,658 |
| Loan and lease loss provision to assets | 0.4370% | 2,410 |
| Net operating income to assets | 0.2981% | 5,262 |
| Return on assets (ROA) | 0.5160% | 4,563 |
| Pretax return on assets | 0.7984% | 3,985 |
| Return on Equity (ROE) | 5.5491% | 4,108 |
| Retained earnings to average equity (ytd only) | 5.5491% | 2,269 |
| Net charge-offs to loans | 0.1228% | 5,160 |
| Credit loss provision to net charge-offs | 559.1398% | 409 |
| Earnings coverage of net charge-offs (x) | 11.5161% | 1,712 |
| Efficiency ratio | 73.0634% | 3,382 |
| Assets per employee ($millions) | 7.1389% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7550% | 1,028 |
| Loan loss allowance to noncurrent loans | 32.7549% | 6,026 |
| Noncurrent assets plus other real estate owned to assets | 5.2976% | 976 |
| Noncurrent loans to loans | 8.4109% | 454 |
| Net loans and leases to total assets | 61.2491% | 3,734 |
| Net loans and leases to deposits | 68.3751% | 4,388 |
| Net loans and leases to core deposits | 69.9118% | 4,786 |
| Total domestic deposits to total assets | 89.5782% | 1,217 |
| Equity capital to assets | 10.1487% | 3,972 |
| Core capital (leverage) ratio | 9.5971% | 3,873 |
| Tier 1 risk-based capital ratio | 14.0455% | 4,299 |
| Total risk-based capital ratio | 15.3119% | 4,232 |
| Memoranda: | ||
| Average total assets | $118,980,800 | 4,429 |
| Average earning assets | $111,725,200 | 4,345 |
| Average equity | $11,064,800 | 4,763 |
| Average total loans | $75,731,000 | 4,286 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4646% | 5,369 |
| Cost of funding earning assets | 1.0420% | 3,372 |
| Net interest margin | 3.4225% | 5,501 |
| Noninterest income to average assets | 0.1320% | 6,593 |
| Noninterest expense to average assets | 2.4431% | 5,653 |
| Loan and lease loss provision to assets | 0.5104% | 1,938 |
| Net operating income to assets | 0.2564% | 5,547 |
| Return on assets (ROA) | 0.4460% | 4,994 |
| Pretax return on assets | 0.6846% | 4,538 |
| Return on Equity (ROE) | 4.9025% | 4,571 |
| Retained earnings to average equity (ytd only) | 4.9025% | 3,240 |
| Net charge-offs to loans | 0.1617% | 4,489 |
| Credit loss provision to net charge-offs | 494.6237% | 564 |
| Earnings coverage of net charge-offs (x) | 8.7525% | 2,132 |
| Efficiency ratio | 73.0106% | 3,361 |
| Assets per employee ($millions) | 7.3176% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5370% | 1,342 |
| Loan loss allowance to noncurrent loans | 90.1078% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 1.8218% | 3,363 |
| Noncurrent loans to loans | 2.8155% | 2,471 |
| Net loans and leases to total assets | 63.0657% | 3,498 |
| Net loans and leases to deposits | 70.2223% | 4,261 |
| Net loans and leases to core deposits | 71.7543% | 4,746 |
| Total domestic deposits to total assets | 89.8088% | 969 |
| Equity capital to assets | 9.8069% | 4,613 |
| Core capital (leverage) ratio | 8.9891% | 4,950 |
| Tier 1 risk-based capital ratio | 13.2171% | 4,938 |
| Total risk-based capital ratio | 14.4804% | 4,899 |
| Memoranda: | ||
| Average total assets | $120,170,500 | 4,420 |
| Average earning assets | $112,856,500 | 4,335 |
| Average equity | $10,933,000 | 4,819 |
| Average total loans | $76,678,250 | 4,287 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3961% | 5,711 |
| Cost of funding earning assets | 1.0981% | 3,256 |
| Net interest margin | 3.2979% | 5,865 |
| Noninterest income to average assets | 0.1271% | 6,693 |
| Noninterest expense to average assets | 2.4620% | 5,659 |
| Loan and lease loss provision to assets | 0.2723% | 3,215 |
| Net operating income to assets | 0.3182% | 5,297 |
| Return on assets (ROA) | 0.4158% | 5,024 |
| Pretax return on assets | 0.6403% | 4,616 |
| Return on Equity (ROE) | 4.6884% | 4,597 |
| Retained earnings to average equity (ytd only) | 4.6884% | 3,204 |
| Net charge-offs to loans | 0.2936% | 3,408 |
| Credit loss provision to net charge-offs | 146.0177% | 2,094 |
| Earnings coverage of net charge-offs (x) | 4.0885% | 2,969 |
| Efficiency ratio | 76.3562% | 2,956 |
| Assets per employee ($millions) | 7.6847% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1104% | 2,105 |
| Loan loss allowance to noncurrent loans | 506.9401% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.2578% | 6,481 |
| Noncurrent loans to loans | 0.4163% | 6,072 |
| Net loans and leases to total assets | 60.6230% | 4,162 |
| Net loans and leases to deposits | 67.9202% | 4,720 |
| Net loans and leases to core deposits | 70.1629% | 5,054 |
| Total domestic deposits to total assets | 89.2562% | 1,379 |
| Equity capital to assets | 8.9911% | 5,588 |
| Core capital (leverage) ratio | 8.9565% | 4,794 |
| Tier 1 risk-based capital ratio | 12.5124% | 5,335 |
| Total risk-based capital ratio | 13.7703% | 5,301 |
| Memoranda: | ||
| Average total assets | $121,200,330 | 4,415 |
| Average earning assets | $113,829,330 | 4,337 |
| Average equity | $10,750,000 | 4,857 |
| Average total loans | $76,984,330 | 4,312 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4065% | 5,669 |
| Cost of funding earning assets | 1.1548% | 3,129 |
| Net interest margin | 3.2518% | 5,916 |
| Noninterest income to average assets | 0.1197% | 6,816 |
| Noninterest expense to average assets | 2.5066% | 5,526 |
| Loan and lease loss provision to assets | 0.3989% | 2,199 |
| Net operating income to assets | 0.1737% | 5,873 |
| Return on assets (ROA) | 0.3690% | 5,166 |
| Pretax return on assets | 0.5618% | 4,825 |
| Return on Equity (ROE) | 4.1897% | 4,804 |
| Retained earnings to average equity (ytd only) | 4.1897% | 3,651 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0356% | 2,686 |
| Assets per employee ($millions) | 7.4699% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1700% | 2,029 |
| Loan loss allowance to noncurrent loans | 371.6186% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 6,261 |
| Noncurrent loans to loans | 0.5839% | 5,858 |
| Net loans and leases to total assets | 63.2189% | 3,600 |
| Net loans and leases to deposits | 70.4123% | 4,285 |
| Net loans and leases to core deposits | 72.7947% | 4,677 |
| Total domestic deposits to total assets | 89.7840% | 1,301 |
| Equity capital to assets | 8.8765% | 5,385 |
| Core capital (leverage) ratio | 8.7944% | 4,941 |
| Tier 1 risk-based capital ratio | 12.0501% | 5,642 |
| Total risk-based capital ratio | 13.3084% | 5,633 |
| Memoranda: | ||
| Average total assets | $120,323,000 | 4,470 |
| Average earning assets | $112,923,500 | 4,385 |
| Average equity | $10,597,500 | 4,894 |
| Average total loans | $77,403,500 | 4,345 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6228% | 6,049 |
| Cost of funding earning assets | 1.4948% | 2,678 |
| Net interest margin | 3.1280% | 6,443 |
| Noninterest income to average assets | 0.1182% | 6,816 |
| Noninterest expense to average assets | 2.2401% | 6,513 |
| Loan and lease loss provision to assets | 0.2489% | 4,810 |
| Net operating income to assets | 0.3627% | 4,702 |
| Return on assets (ROA) | 0.4287% | 4,564 |
| Pretax return on assets | 0.6643% | 4,117 |
| Return on Equity (ROE) | 5.0365% | 4,054 |
| Retained earnings to average equity (ytd only) | 5.0365% | 2,389 |
| Net charge-offs to loans | 0.1402% | 5,518 |
| Credit loss provision to net charge-offs | 269.3694% | 1,028 |
| Earnings coverage of net charge-offs (x) | 8.7838% | 1,924 |
| Efficiency ratio | 73.4043% | 3,503 |
| Assets per employee ($millions) | 7.5705% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0059% | 2,284 |
| Loan loss allowance to noncurrent loans | 490.8517% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 6,591 |
| Noncurrent loans to loans | 0.4086% | 6,225 |
| Net loans and leases to total assets | 62.7576% | 4,120 |
| Net loans and leases to deposits | 69.6305% | 4,860 |
| Net loans and leases to core deposits | 72.1128% | 5,195 |
| Total domestic deposits to total assets | 90.1294% | 1,021 |
| Equity capital to assets | 8.7395% | 5,525 |
| Core capital (leverage) ratio | 8.5223% | 5,320 |
| Tier 1 risk-based capital ratio | 11.9065% | 5,560 |
| Total risk-based capital ratio | 13.1640% | 5,536 |
| Memoranda: | ||
| Average total assets | $120,129,200 | 4,481 |
| Average earning assets | $112,658,800 | 4,406 |
| Average equity | $10,225,400 | 5,067 |
| Average total loans | $79,147,400 | 4,363 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6474% | 6,201 |
| Cost of funding earning assets | 1.5574% | 2,624 |
| Net interest margin | 3.0899% | 6,635 |
| Noninterest income to average assets | 0.1190% | 6,955 |
| Noninterest expense to average assets | 2.3056% | 6,310 |
| Loan and lease loss provision to assets | 0.2992% | 4,182 |
| Net operating income to assets | 0.2677% | 5,290 |
| Return on assets (ROA) | 0.3559% | 5,124 |
| Pretax return on assets | 0.5472% | 4,769 |
| Return on Equity (ROE) | 4.2097% | 4,681 |
| Retained earnings to average equity (ytd only) | 4.2097% | 3,526 |
| Net charge-offs to loans | -0.0050% | 7,210 |
| Credit loss provision to net charge-offs | -8,966.6667% | 7,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4381% | 2,867 |
| Assets per employee ($millions) | 7.6249% | 591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0658% | 2,074 |
| Loan loss allowance to noncurrent loans | 377.2414% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.3566% | 6,502 |
| Noncurrent loans to loans | 0.5476% | 6,106 |
| Net loans and leases to total assets | 63.7669% | 4,169 |
| Net loans and leases to deposits | 71.3316% | 4,937 |
| Net loans and leases to core deposits | 73.8696% | 5,306 |
| Total domestic deposits to total assets | 89.3950% | 1,177 |
| Equity capital to assets | 8.6001% | 6,155 |
| Core capital (leverage) ratio | 8.3171% | 5,839 |
| Tier 1 risk-based capital ratio | 11.2938% | 6,102 |
| Total risk-based capital ratio | 12.5617% | 6,088 |
| Memoranda: | ||
| Average total assets | $119,879,500 | 4,544 |
| Average earning assets | $112,404,750 | 4,475 |
| Average equity | $10,135,250 | 5,152 |
| Average total loans | $79,541,000 | 4,416 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7043% | 6,130 |
| Cost of funding earning assets | 1.6308% | 2,476 |
| Net interest margin | 3.0735% | 6,671 |
| Noninterest income to average assets | 0.1158% | 7,026 |
| Noninterest expense to average assets | 2.2925% | 6,377 |
| Loan and lease loss provision to assets | 0.2266% | 4,640 |
| Net operating income to assets | 0.3117% | 5,131 |
| Return on assets (ROA) | 0.3239% | 5,259 |
| Pretax return on assets | 0.4934% | 4,921 |
| Return on Equity (ROE) | 3.8537% | 4,844 |
| Retained earnings to average equity (ytd only) | 3.8537% | 3,634 |
| Net charge-offs to loans | -0.0025% | 7,076 |
| Credit loss provision to net charge-offs | -13,500.0000% | 7,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5695% | 2,970 |
| Assets per employee ($millions) | 7.4803% | 625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8811% | 2,469 |
| Loan loss allowance to noncurrent loans | 469.4006% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.2649% | 6,739 |
| Noncurrent loans to loans | 0.4007% | 6,440 |
| Net loans and leases to total assets | 64.8502% | 4,073 |
| Net loans and leases to deposits | 72.5363% | 4,903 |
| Net loans and leases to core deposits | 74.9783% | 5,322 |
| Total domestic deposits to total assets | 89.4039% | 1,224 |
| Equity capital to assets | 8.6134% | 5,992 |
| Core capital (leverage) ratio | 8.3176% | 5,728 |
| Tier 1 risk-based capital ratio | 11.2663% | 5,981 |
| Total risk-based capital ratio | 12.5224% | 5,958 |
| Memoranda: | ||
| Average total assets | $119,173,000 | 4,590 |
| Average earning assets | $111,600,670 | 4,520 |
| Average equity | $10,016,330 | 5,198 |
| Average total loans | $79,576,000 | 4,454 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8270% | 5,778 |
| Cost of funding earning assets | 1.7121% | 2,328 |
| Net interest margin | 3.1149% | 6,551 |
| Noninterest income to average assets | 0.1211% | 7,083 |
| Noninterest expense to average assets | 2.2503% | 6,542 |
| Loan and lease loss provision to assets | 0.3532% | 3,261 |
| Net operating income to assets | 0.2859% | 5,350 |
| Return on assets (ROA) | 0.2859% | 5,483 |
| Pretax return on assets | 0.4306% | 5,189 |
| Return on Equity (ROE) | 3.4448% | 5,142 |
| Retained earnings to average equity (ytd only) | 3.4448% | 4,084 |
| Net charge-offs to loans | -0.0050% | 6,814 |
| Credit loss provision to net charge-offs | -10,500.0000% | 6,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1685% | 3,551 |
| Assets per employee ($millions) | 8.5566% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8295% | 2,639 |
| Loan loss allowance to noncurrent loans | 443.1611% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 6,791 |
| Noncurrent loans to loans | 0.4128% | 6,468 |
| Net loans and leases to total assets | 65.3082% | 4,039 |
| Net loans and leases to deposits | 72.9489% | 4,916 |
| Net loans and leases to core deposits | 75.3910% | 5,346 |
| Total domestic deposits to total assets | 89.5260% | 1,226 |
| Equity capital to assets | 8.3361% | 6,249 |
| Core capital (leverage) ratio | 8.3013% | 5,738 |
| Tier 1 risk-based capital ratio | 10.8451% | 6,299 |
| Total risk-based capital ratio | 12.1104% | 6,268 |
| Memoranda: | ||
| Average total assets | $118,917,000 | 4,660 |
| Average earning assets | $111,208,000 | 4,580 |
| Average equity | $9,870,000 | 5,276 |
| Average total loans | $79,812,000 | 4,515 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7621% | 7,022 |
| Cost of funding earning assets | 2.2036% | 2,016 |
| Net interest margin | 2.5585% | 7,363 |
| Noninterest income to average assets | 0.0127% | 7,649 |
| Noninterest expense to average assets | 2.6970% | 5,412 |
| Loan and lease loss provision to assets | 0.8064% | 2,718 |
| Net operating income to assets | -0.6562% | 6,318 |
| Return on assets (ROA) | -0.6064% | 6,271 |
| Pretax return on assets | -1.0245% | 6,423 |
| Return on Equity (ROE) | -6.8088% | 6,375 |
| Retained earnings to average equity (ytd only) | -6.8088% | 6,223 |
| Net charge-offs to loans | 0.6244% | 3,336 |
| Credit loss provision to net charge-offs | 177.4900% | 2,355 |
| Earnings coverage of net charge-offs (x) | -0.6514% | 6,779 |
| Efficiency ratio | 112.3257% | 761 |
| Assets per employee ($millions) | 7.8695% | 545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6914% | 2,919 |
| Loan loss allowance to noncurrent loans | 254.6139% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.4498% | 6,329 |
| Noncurrent loans to loans | 0.6643% | 5,914 |
| Net loans and leases to total assets | 66.5695% | 4,021 |
| Net loans and leases to deposits | 74.5300% | 4,948 |
| Net loans and leases to core deposits | 95.4533% | 4,519 |
| Total domestic deposits to total assets | 89.3191% | 1,320 |
| Equity capital to assets | 8.2632% | 6,257 |
| Core capital (leverage) ratio | 8.4286% | 5,389 |
| Tier 1 risk-based capital ratio | 10.8881% | 6,020 |
| Total risk-based capital ratio | 12.1529% | 5,987 |
| Memoranda: | ||
| Average total assets | $110,494,200 | 4,810 |
| Average earning assets | $103,148,200 | 4,753 |
| Average equity | $9,840,200 | 5,342 |
| Average total loans | $80,395,800 | 4,494 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8281% | 7,056 |
| Cost of funding earning assets | 2.3155% | 1,927 |
| Net interest margin | 2.5127% | 7,455 |
| Noninterest income to average assets | 0.1412% | 7,171 |
| Noninterest expense to average assets | 2.5694% | 5,826 |
| Loan and lease loss provision to assets | 1.0754% | 1,811 |
| Net operating income to assets | -0.6851% | 6,588 |
| Return on assets (ROA) | -0.6175% | 6,542 |
| Pretax return on assets | -1.0521% | 6,720 |
| Return on Equity (ROE) | -6.8005% | 6,644 |
| Retained earnings to average equity (ytd only) | -6.8005% | 6,485 |
| Net charge-offs to loans | 0.3445% | 3,917 |
| Credit loss provision to net charge-offs | 421.1538% | 944 |
| Earnings coverage of net charge-offs (x) | -0.3221% | 6,374 |
| Efficiency ratio | 103.3070% | 939 |
| Assets per employee ($millions) | 6.8247% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0226% | 1,745 |
| Loan loss allowance to noncurrent loans | 129.6502% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 1.1521% | 4,772 |
| Noncurrent loans to loans | 1.5601% | 4,301 |
| Net loans and leases to total assets | 72.3540% | 2,942 |
| Net loans and leases to deposits | 81.3407% | 4,144 |
| Net loans and leases to core deposits | 104.2556% | 3,908 |
| Total domestic deposits to total assets | 88.9519% | 1,218 |
| Equity capital to assets | 8.7724% | 5,842 |
| Core capital (leverage) ratio | 8.7300% | 5,079 |
| Tier 1 risk-based capital ratio | 10.9234% | 6,023 |
| Total risk-based capital ratio | 12.1176% | 6,048 |
| Memoranda: | ||
| Average total assets | $108,607,250 | 4,892 |
| Average earning assets | $101,403,000 | 4,833 |
| Average equity | $9,861,750 | 5,372 |
| Average total loans | $80,511,750 | 4,538 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8340% | 7,160 |
| Cost of funding earning assets | 2.4318% | 1,842 |
| Net interest margin | 2.4022% | 7,571 |
| Noninterest income to average assets | 0.1457% | 7,224 |
| Noninterest expense to average assets | 2.5643% | 5,888 |
| Loan and lease loss provision to assets | 1.6068% | 1,053 |
| Net operating income to assets | -1.0701% | 7,032 |
| Return on assets (ROA) | -0.9685% | 6,957 |
| Pretax return on assets | -1.6271% | 7,141 |
| Return on Equity (ROE) | -10.5464% | 7,079 |
| Retained earnings to average equity (ytd only) | -10.5464% | 6,931 |
| Net charge-offs to loans | 0.1814% | 4,435 |
| Credit loss provision to net charge-offs | 1,193.1507% | 423 |
| Earnings coverage of net charge-offs (x) | -1.3288% | 6,295 |
| Efficiency ratio | 107.5019% | 925 |
| Assets per employee ($millions) | 6.8714% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1809% | 1,272 |
| Loan loss allowance to noncurrent loans | 97.6164% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 1.6409% | 3,743 |
| Noncurrent loans to loans | 2.2342% | 3,211 |
| Net loans and leases to total assets | 71.8424% | 3,264 |
| Net loans and leases to deposits | 80.6406% | 4,451 |
| Net loans and leases to core deposits | 103.5271% | 4,117 |
| Total domestic deposits to total assets | 89.0897% | 1,224 |
| Equity capital to assets | 8.6564% | 5,815 |
| Core capital (leverage) ratio | 8.6159% | 5,237 |
| Tier 1 risk-based capital ratio | 10.5205% | 6,362 |
| Total risk-based capital ratio | 11.7911% | 6,295 |
| Memoranda: | ||
| Average total assets | $108,411,330 | 4,930 |
| Average earning assets | $101,075,670 | 4,871 |
| Average equity | $9,956,000 | 5,369 |
| Average total loans | $80,469,670 | 4,571 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8234% | 7,334 |
| Cost of funding earning assets | 2.5154% | 1,860 |
| Net interest margin | 2.3081% | 7,706 |
| Noninterest income to average assets | 0.1561% | 7,193 |
| Noninterest expense to average assets | 2.4636% | 5,982 |
| Loan and lease loss provision to assets | 0.2230% | 4,223 |
| Net operating income to assets | -0.2120% | 6,576 |
| Return on assets (ROA) | -0.0074% | 6,411 |
| Pretax return on assets | -0.0595% | 6,442 |
| Return on Equity (ROE) | -0.0786% | 6,418 |
| Retained earnings to average equity (ytd only) | -0.0786% | 5,667 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.7633% | 907 |
| Assets per employee ($millions) | 6.2731% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2764% | 4,225 |
| Loan loss allowance to noncurrent loans | 61.8875% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 1.5500% | 3,610 |
| Noncurrent loans to loans | 2.0625% | 3,178 |
| Net loans and leases to total assets | 74.1952% | 2,708 |
| Net loans and leases to deposits | 84.0931% | 3,967 |
| Net loans and leases to core deposits | 109.8792% | 3,452 |
| Total domestic deposits to total assets | 88.2299% | 1,628 |
| Equity capital to assets | 9.4924% | 4,675 |
| Core capital (leverage) ratio | 9.1919% | 4,416 |
| Tier 1 risk-based capital ratio | 11.4538% | 5,459 |
| Total risk-based capital ratio | 12.6878% | 5,366 |
| Memoranda: | ||
| Average total assets | $107,646,000 | 4,964 |
| Average earning assets | $100,343,500 | 4,908 |
| Average equity | $10,175,500 | 5,331 |
| Average total loans | $80,331,500 | 4,603 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7188% | 6,715 |
| Cost of funding earning assets | 3.0018% | 1,859 |
| Net interest margin | 2.7171% | 7,469 |
| Noninterest income to average assets | 0.1641% | 7,248 |
| Noninterest expense to average assets | 2.4282% | 6,304 |
| Loan and lease loss provision to assets | 0.1908% | 4,977 |
| Net operating income to assets | 0.0676% | 6,189 |
| Return on assets (ROA) | 0.1088% | 5,927 |
| Pretax return on assets | 0.1231% | 5,900 |
| Return on Equity (ROE) | 1.1304% | 5,881 |
| Retained earnings to average equity (ytd only) | 1.1304% | 4,555 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0885% | 1,511 |
| Assets per employee ($millions) | 6.3911% | 934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1960% | 4,566 |
| Loan loss allowance to noncurrent loans | 67.2017% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 1.3189% | 3,583 |
| Noncurrent loans to loans | 1.7798% | 3,093 |
| Net loans and leases to total assets | 73.2202% | 3,307 |
| Net loans and leases to deposits | 82.8893% | 4,590 |
| Net loans and leases to core deposits | 106.4226% | 4,145 |
| Total domestic deposits to total assets | 88.3349% | 1,321 |
| Equity capital to assets | 9.4138% | 4,806 |
| Core capital (leverage) ratio | 9.0393% | 4,683 |
| Tier 1 risk-based capital ratio | 11.3198% | 5,417 |
| Total risk-based capital ratio | 12.4706% | 5,401 |
| Memoranda: | ||
| Average total assets | $104,812,000 | 4,906 |
| Average earning assets | $97,642,600 | 4,871 |
| Average equity | $10,084,800 | 5,386 |
| Average total loans | $75,147,000 | 4,685 |