Home > Town & Country Bank > Performance and Condition Ratios
Town & Country Bank, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8895% | 775 |
| Cost of funding earning assets | 0.7929% | 603 |
| Net interest margin | 4.0966% | 1,399 |
| Noninterest income to average assets | 3.4277% | 158 |
| Noninterest expense to average assets | 4.7949% | 250 |
| Loan and lease loss provision to assets | 0.8976% | 117 |
| Net operating income to assets | 1.0225% | 2,458 |
| Return on assets (ROA) | 1.0225% | 2,498 |
| Pretax return on assets | 1.6025% | 1,412 |
| Return on Equity (ROE) | 9.5541% | 2,321 |
| Retained earnings to average equity (ytd only) | 8.8213% | 905 |
| Net charge-offs to loans | 0.4449% | 468 |
| Credit loss provision to net charge-offs | 264.8571% | 1,084 |
| Earnings coverage of net charge-offs (x) | 7.3771% | 2,880 |
| Efficiency ratio | 65.7287% | 3,262 |
| Assets per employee ($millions) | 4.7901% | 2,709 |
| Cash dividends to net income (ytd only)* | 7.6707% | 3,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7760% | 894 |
| Loan loss allowance to noncurrent loans | 30.4935% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 4.7946% | 116 |
| Noncurrent loans to loans | 5.8242% | 109 |
| Net loans and leases to total assets | 80.8604% | 864 |
| Net loans and leases to deposits | 91.8990% | 1,582 |
| Net loans and leases to core deposits | 102.6992% | 1,488 |
| Total domestic deposits to total assets | 87.9883% | 1,370 |
| Equity capital to assets | 11.5002% | 2,371 |
| Core capital (leverage) ratio | 11.1470% | 2,327 |
| Tier 1 risk-based capital ratio | 12.7865% | 4,144 |
| Total risk-based capital ratio | 14.0414% | 4,046 |
| Memoranda: | ||
| Average total assets | $137,699,750 | 3,676 |
| Average earning assets | $129,990,750 | 3,625 |
| Average equity | $14,736,750 | 3,786 |
| Average total loans | $104,893,500 | 3,293 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5972% | 1,253 |
| Cost of funding earning assets | 0.7735% | 601 |
| Net interest margin | 3.8237% | 2,196 |
| Noninterest income to average assets | 2.6957% | 206 |
| Noninterest expense to average assets | 4.5807% | 293 |
| Loan and lease loss provision to assets | 1.1231% | 86 |
| Net operating income to assets | 0.3596% | 5,069 |
| Return on assets (ROA) | 0.3596% | 5,095 |
| Pretax return on assets | 0.5984% | 4,811 |
| Return on Equity (ROE) | 3.4475% | 4,989 |
| Retained earnings to average equity (ytd only) | 2.7270% | 4,073 |
| Net charge-offs to loans | 0.6711% | 290 |
| Credit loss provision to net charge-offs | 226.1128% | 1,152 |
| Earnings coverage of net charge-offs (x) | 3.4659% | 3,044 |
| Efficiency ratio | 72.6848% | 2,233 |
| Assets per employee ($millions) | 4.9821% | 2,409 |
| Cash dividends to net income (ytd only)* | 20.9016% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7149% | 1,030 |
| Loan loss allowance to noncurrent loans | 31.2640% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 4.1709% | 159 |
| Noncurrent loans to loans | 5.4853% | 121 |
| Net loans and leases to total assets | 74.7349% | 1,745 |
| Net loans and leases to deposits | 88.5132% | 1,926 |
| Net loans and leases to core deposits | 98.8522% | 1,741 |
| Total domestic deposits to total assets | 84.4336% | 3,038 |
| Equity capital to assets | 9.6894% | 4,236 |
| Core capital (leverage) ratio | 10.5228% | 2,889 |
| Tier 1 risk-based capital ratio | 11.5536% | 4,920 |
| Total risk-based capital ratio | 12.8077% | 4,816 |
| Memoranda: | ||
| Average total assets | $135,699,000 | 3,728 |
| Average earning assets | $127,991,000 | 3,672 |
| Average equity | $14,155,000 | 3,874 |
| Average total loans | $100,425,000 | 3,390 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8906% | 645 |
| Cost of funding earning assets | 0.8069% | 467 |
| Net interest margin | 4.0837% | 1,258 |
| Noninterest income to average assets | 3.7945% | 157 |
| Noninterest expense to average assets | 4.6609% | 293 |
| Loan and lease loss provision to assets | 0.7577% | 134 |
| Net operating income to assets | 1.3694% | 1,061 |
| Return on assets (ROA) | 1.3694% | 1,098 |
| Pretax return on assets | 2.2264% | 341 |
| Return on Equity (ROE) | 12.6077% | 1,085 |
| Retained earnings to average equity (ytd only) | 12.0359% | 467 |
| Net charge-offs to loans | 0.8442% | 201 |
| Credit loss provision to net charge-offs | 123.2323% | 1,365 |
| Earnings coverage of net charge-offs (x) | 4.8535% | 2,341 |
| Efficiency ratio | 60.9667% | 4,326 |
| Assets per employee ($millions) | 4.3575% | 3,408 |
| Cash dividends to net income (ytd only)* | 4.5351% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6129% | 1,348 |
| Loan loss allowance to noncurrent loans | 66.4129% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 1.7501% | 837 |
| Noncurrent loans to loans | 2.4286% | 659 |
| Net loans and leases to total assets | 70.8997% | 2,235 |
| Net loans and leases to deposits | 80.0267% | 2,753 |
| Net loans and leases to core deposits | 90.4132% | 2,319 |
| Total domestic deposits to total assets | 88.5950% | 1,377 |
| Equity capital to assets | 10.8579% | 2,792 |
| Core capital (leverage) ratio | 11.5233% | 1,928 |
| Tier 1 risk-based capital ratio | 13.4415% | 3,808 |
| Total risk-based capital ratio | 14.6943% | 3,725 |
| Memoranda: | ||
| Average total assets | $128,817,000 | 3,864 |
| Average earning assets | $121,458,000 | 3,822 |
| Average equity | $13,991,500 | 3,922 |
| Average total loans | $93,812,500 | 3,517 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9561% | 649 |
| Cost of funding earning assets | 0.8197% | 457 |
| Net interest margin | 4.1364% | 1,282 |
| Noninterest income to average assets | 1.3809% | 604 |
| Noninterest expense to average assets | 4.5122% | 370 |
| Loan and lease loss provision to assets | 0.0973% | 2,426 |
| Net operating income to assets | 0.4535% | 4,786 |
| Return on assets (ROA) | 0.4535% | 4,865 |
| Pretax return on assets | 0.6855% | 4,542 |
| Return on Equity (ROE) | 3.9244% | 4,863 |
| Retained earnings to average equity (ytd only) | 3.4841% | 3,446 |
| Net charge-offs to loans | -0.0822% | 5,525 |
| Credit loss provision to net charge-offs | -157.9710% | 4,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2158% | 883 |
| Assets per employee ($millions) | 3.9533% | 4,053 |
| Cash dividends to net income (ytd only)* | 11.2205% | 3,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6735% | 1,190 |
| Loan loss allowance to noncurrent loans | 87.4355% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.4222% | 1,197 |
| Noncurrent loans to loans | 1.9140% | 962 |
| Net loans and leases to total assets | 73.0639% | 2,006 |
| Net loans and leases to deposits | 82.2218% | 2,644 |
| Net loans and leases to core deposits | 93.3410% | 2,176 |
| Total domestic deposits to total assets | 88.8620% | 1,175 |
| Equity capital to assets | 10.8655% | 2,747 |
| Core capital (leverage) ratio | 10.7912% | 2,539 |
| Tier 1 risk-based capital ratio | 13.1891% | 3,952 |
| Total risk-based capital ratio | 14.4431% | 3,874 |
| Memoranda: | ||
| Average total assets | $112,029,800 | 4,128 |
| Average earning assets | $106,011,000 | 4,075 |
| Average equity | $12,944,600 | 4,098 |
| Average total loans | $83,945,000 | 3,710 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9722% | 633 |
| Cost of funding earning assets | 0.8182% | 454 |
| Net interest margin | 4.1540% | 1,241 |
| Noninterest income to average assets | 1.5149% | 532 |
| Noninterest expense to average assets | 4.5338% | 372 |
| Loan and lease loss provision to assets | 0.0195% | 3,856 |
| Net operating income to assets | 0.5996% | 4,294 |
| Return on assets (ROA) | 0.5996% | 4,409 |
| Pretax return on assets | 0.8909% | 4,013 |
| Return on Equity (ROE) | 5.1042% | 4,476 |
| Retained earnings to average equity (ytd only) | 4.6478% | 3,057 |
| Net charge-offs to loans | -0.1039% | 5,583 |
| Credit loss provision to net charge-offs | -25.0000% | 4,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2774% | 1,046 |
| Assets per employee ($millions) | 4.0059% | 3,952 |
| Cash dividends to net income (ytd only)* | 8.9439% | 3,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6606% | 1,303 |
| Loan loss allowance to noncurrent loans | 132.4048% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.8962% | 2,319 |
| Noncurrent loans to loans | 1.2542% | 1,784 |
| Net loans and leases to total assets | 70.2694% | 2,454 |
| Net loans and leases to deposits | 79.2372% | 3,057 |
| Net loans and leases to core deposits | 89.9751% | 2,581 |
| Total domestic deposits to total assets | 88.6824% | 1,058 |
| Equity capital to assets | 11.0804% | 2,932 |
| Core capital (leverage) ratio | 11.4598% | 2,063 |
| Tier 1 risk-based capital ratio | 13.7147% | 3,732 |
| Total risk-based capital ratio | 14.9681% | 3,646 |
| Memoranda: | ||
| Average total assets | $109,399,000 | 4,208 |
| Average earning assets | $103,479,500 | 4,154 |
| Average equity | $12,851,750 | 4,145 |
| Average total loans | $82,164,750 | 3,776 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0589% | 526 |
| Cost of funding earning assets | 0.8132% | 457 |
| Net interest margin | 4.2457% | 1,025 |
| Noninterest income to average assets | 1.6218% | 470 |
| Noninterest expense to average assets | 4.7294% | 317 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5879% | 4,323 |
| Return on assets (ROA) | 0.5879% | 4,447 |
| Pretax return on assets | 0.9092% | 3,924 |
| Return on Equity (ROE) | 4.8988% | 4,559 |
| Retained earnings to average equity (ytd only) | 4.4735% | 3,068 |
| Net charge-offs to loans | -0.1582% | 5,759 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8753% | 1,061 |
| Assets per employee ($millions) | 3.6683% | 4,495 |
| Cash dividends to net income (ytd only)* | 8.6817% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7294% | 1,213 |
| Loan loss allowance to noncurrent loans | 62.8342% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 2.0391% | 801 |
| Noncurrent loans to loans | 2.7524% | 582 |
| Net loans and leases to total assets | 72.8033% | 2,042 |
| Net loans and leases to deposits | 83.0302% | 2,586 |
| Net loans and leases to core deposits | 93.2018% | 2,242 |
| Total domestic deposits to total assets | 87.6829% | 1,585 |
| Equity capital to assets | 11.9500% | 2,163 |
| Core capital (leverage) ratio | 12.2596% | 1,482 |
| Tier 1 risk-based capital ratio | 14.3936% | 3,382 |
| Total risk-based capital ratio | 15.6468% | 3,304 |
| Memoranda: | ||
| Average total assets | $105,806,670 | 4,317 |
| Average earning assets | $100,100,330 | 4,264 |
| Average equity | $12,697,000 | 4,201 |
| Average total loans | $80,928,670 | 3,829 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9512% | 640 |
| Cost of funding earning assets | 0.7907% | 509 |
| Net interest margin | 4.1604% | 1,191 |
| Noninterest income to average assets | 1.4428% | 541 |
| Noninterest expense to average assets | 5.0769% | 260 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3241% | 5,228 |
| Return on assets (ROA) | 0.3241% | 5,313 |
| Pretax return on assets | 0.3241% | 5,462 |
| Return on Equity (ROE) | 2.6945% | 5,333 |
| Retained earnings to average equity (ytd only) | 2.3095% | 4,327 |
| Net charge-offs to loans | -0.3175% | 5,946 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0000% | 452 |
| Assets per employee ($millions) | 3.6115% | 4,629 |
| Cash dividends to net income (ytd only)* | 14.2857% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7394% | 1,264 |
| Loan loss allowance to noncurrent loans | 57.1313% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 2.3565% | 659 |
| Noncurrent loans to loans | 3.0445% | 525 |
| Net loans and leases to total assets | 76.0534% | 1,384 |
| Net loans and leases to deposits | 86.7415% | 1,979 |
| Net loans and leases to core deposits | 96.7297% | 1,726 |
| Total domestic deposits to total assets | 87.6782% | 1,813 |
| Equity capital to assets | 11.9418% | 2,066 |
| Core capital (leverage) ratio | 12.2198% | 1,488 |
| Tier 1 risk-based capital ratio | 14.0277% | 3,674 |
| Total risk-based capital ratio | 15.2817% | 3,600 |
| Memoranda: | ||
| Average total assets | $103,685,000 | 4,395 |
| Average earning assets | $98,643,500 | 4,328 |
| Average equity | $12,470,000 | 4,247 |
| Average total loans | $80,628,000 | 3,841 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4580% | 287 |
| Cost of funding earning assets | 0.8280% | 427 |
| Net interest margin | 4.6300% | 513 |
| Noninterest income to average assets | 2.7173% | 241 |
| Noninterest expense to average assets | 4.8758% | 309 |
| Loan and lease loss provision to assets | 0.4214% | 306 |
| Net operating income to assets | 1.9509% | 375 |
| Return on assets (ROA) | 1.9509% | 384 |
| Pretax return on assets | 1.7919% | 818 |
| Return on Equity (ROE) | 17.2053% | 438 |
| Retained earnings to average equity (ytd only) | 17.1233% | 90 |
| Net charge-offs to loans | -0.1324% | 5,854 |
| Credit loss provision to net charge-offs | -408.0000% | 5,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7791% | 3,436 |
| Assets per employee ($millions) | 3.8014% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.4764% | 4,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6785% | 1,397 |
| Loan loss allowance to noncurrent loans | 134.6000% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.9743% | 2,248 |
| Noncurrent loans to loans | 1.2470% | 1,893 |
| Net loans and leases to total assets | 76.8212% | 1,281 |
| Net loans and leases to deposits | 87.9410% | 1,883 |
| Net loans and leases to core deposits | 98.5933% | 1,625 |
| Total domestic deposits to total assets | 87.3554% | 1,952 |
| Equity capital to assets | 12.1136% | 1,875 |
| Core capital (leverage) ratio | 11.8550% | 1,721 |
| Tier 1 risk-based capital ratio | 14.1587% | 3,632 |
| Total risk-based capital ratio | 15.4136% | 3,542 |
| Memoranda: | ||
| Average total assets | $96,825,200 | 4,522 |
| Average earning assets | $91,426,000 | 4,475 |
| Average equity | $10,979,200 | 4,485 |
| Average total loans | $75,546,800 | 3,958 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4469% | 294 |
| Cost of funding earning assets | 0.8237% | 435 |
| Net interest margin | 4.6232% | 524 |
| Noninterest income to average assets | 2.2298% | 308 |
| Noninterest expense to average assets | 4.5435% | 397 |
| Loan and lease loss provision to assets | 0.1873% | 1,090 |
| Net operating income to assets | 1.8537% | 463 |
| Return on assets (ROA) | 1.8537% | 486 |
| Pretax return on assets | 1.8537% | 796 |
| Return on Equity (ROE) | 16.6541% | 510 |
| Retained earnings to average equity (ytd only) | 16.6541% | 115 |
| Net charge-offs to loans | -0.1129% | 5,830 |
| Credit loss provision to net charge-offs | -212.6984% | 5,184 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0021% | 3,376 |
| Assets per employee ($millions) | 4.0785% | 3,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 3,342 |
| Loan loss allowance to noncurrent loans | 559.4595% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.1745% | 5,055 |
| Noncurrent loans to loans | 0.2242% | 4,761 |
| Net loans and leases to total assets | 76.8523% | 1,265 |
| Net loans and leases to deposits | 89.9950% | 1,653 |
| Net loans and leases to core deposits | 99.0797% | 1,599 |
| Total domestic deposits to total assets | 85.3962% | 2,828 |
| Equity capital to assets | 10.6487% | 3,416 |
| Core capital (leverage) ratio | 10.7497% | 2,773 |
| Tier 1 risk-based capital ratio | 11.9967% | 5,088 |
| Total risk-based capital ratio | 13.1572% | 5,059 |
| Memoranda: | ||
| Average total assets | $95,372,250 | 4,611 |
| Average earning assets | $89,834,750 | 4,559 |
| Average equity | $10,615,750 | 4,602 |
| Average total loans | $74,385,250 | 4,026 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4536% | 289 |
| Cost of funding earning assets | 0.8278% | 436 |
| Net interest margin | 4.6258% | 511 |
| Noninterest income to average assets | 2.5987% | 260 |
| Noninterest expense to average assets | 4.7247% | 361 |
| Loan and lease loss provision to assets | 0.2875% | 555 |
| Net operating income to assets | 1.9321% | 414 |
| Return on assets (ROA) | 1.9321% | 430 |
| Pretax return on assets | 1.9321% | 684 |
| Return on Equity (ROE) | 17.0736% | 475 |
| Retained earnings to average equity (ytd only) | 17.0736% | 122 |
| Net charge-offs to loans | -0.0726% | 5,676 |
| Credit loss provision to net charge-offs | -507.6923% | 5,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0364% | 3,664 |
| Assets per employee ($millions) | 3.8512% | 4,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 3,535 |
| Loan loss allowance to noncurrent loans | 538.3784% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 5,129 |
| Noncurrent loans to loans | 0.2311% | 4,847 |
| Net loans and leases to total assets | 78.9544% | 945 |
| Net loans and leases to deposits | 93.5110% | 1,199 |
| Net loans and leases to core deposits | 103.6636% | 1,210 |
| Total domestic deposits to total assets | 84.4332% | 3,379 |
| Equity capital to assets | 10.8389% | 3,065 |
| Core capital (leverage) ratio | 10.9872% | 2,432 |
| Tier 1 risk-based capital ratio | 11.8985% | 5,216 |
| Total risk-based capital ratio | 13.0534% | 5,183 |
| Memoranda: | ||
| Average total assets | $91,816,000 | 4,731 |
| Average earning assets | $86,254,670 | 4,673 |
| Average equity | $10,390,330 | 4,672 |
| Average total loans | $71,670,330 | 4,119 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3478% | 323 |
| Cost of funding earning assets | 0.8268% | 434 |
| Net interest margin | 4.5210% | 584 |
| Noninterest income to average assets | 2.5143% | 274 |
| Noninterest expense to average assets | 5.0103% | 291 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7705% | 508 |
| Return on assets (ROA) | 1.7705% | 536 |
| Pretax return on assets | 1.7705% | 918 |
| Return on Equity (ROE) | 15.2771% | 673 |
| Retained earnings to average equity (ytd only) | 15.2771% | 263 |
| Net charge-offs to loans | 0.0711% | 2,016 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 32.3333% | 1,101 |
| Efficiency ratio | 73.8896% | 2,837 |
| Assets per employee ($millions) | 3.6140% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 4,140 |
| Loan loss allowance to noncurrent loans | 321.4008% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.2844% | 4,822 |
| Noncurrent loans to loans | 0.3644% | 4,498 |
| Net loans and leases to total assets | 77.1400% | 1,038 |
| Net loans and leases to deposits | 87.3646% | 1,684 |
| Net loans and leases to core deposits | 96.7637% | 1,567 |
| Total domestic deposits to total assets | 88.2966% | 1,663 |
| Equity capital to assets | 11.4599% | 2,505 |
| Core capital (leverage) ratio | 11.8134% | 1,768 |
| Tier 1 risk-based capital ratio | 14.0205% | 3,996 |
| Total risk-based capital ratio | 15.1729% | 3,995 |
| Memoranda: | ||
| Average total assets | $87,659,000 | 4,868 |
| Average earning assets | $82,725,000 | 4,809 |
| Average equity | $10,159,000 | 4,745 |
| Average total loans | $67,479,000 | 4,252 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1748% | 546 |
| Cost of funding earning assets | 0.8219% | 579 |
| Net interest margin | 4.3529% | 963 |
| Noninterest income to average assets | 1.9876% | 345 |
| Noninterest expense to average assets | 4.7517% | 374 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.6815% | 597 |
| Return on assets (ROA) | 1.6815% | 623 |
| Pretax return on assets | 1.3481% | 2,082 |
| Return on Equity (ROE) | 15.2616% | 737 |
| Retained earnings to average equity (ytd only) | 15.2616% | 142 |
| Net charge-offs to loans | 0.3549% | 1,229 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.2407% | 3,475 |
| Efficiency ratio | 77.8993% | 2,223 |
| Assets per employee ($millions) | 3.5403% | 4,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 3,418 |
| Loan loss allowance to noncurrent loans | 423.2323% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.2860% | 4,889 |
| Noncurrent loans to loans | 0.3073% | 4,743 |
| Net loans and leases to total assets | 74.8494% | 1,444 |
| Net loans and leases to deposits | 85.3538% | 2,054 |
| Net loans and leases to core deposits | 95.2180% | 1,788 |
| Total domestic deposits to total assets | 87.6930% | 1,931 |
| Equity capital to assets | 11.7268% | 2,229 |
| Core capital (leverage) ratio | 11.5054% | 1,967 |
| Tier 1 risk-based capital ratio | 14.8628% | 3,561 |
| Total risk-based capital ratio | 16.1128% | 3,497 |
| Memoranda: | ||
| Average total assets | $83,970,400 | 4,961 |
| Average earning assets | $79,326,200 | 4,898 |
| Average equity | $9,252,000 | 4,911 |
| Average total loans | $60,865,000 | 4,463 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2054% | 517 |
| Cost of funding earning assets | 0.8060% | 667 |
| Net interest margin | 4.3993% | 882 |
| Noninterest income to average assets | 1.7327% | 432 |
| Noninterest expense to average assets | 4.4002% | 507 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6594% | 666 |
| Return on assets (ROA) | 1.6594% | 693 |
| Pretax return on assets | 1.4874% | 1,685 |
| Return on Equity (ROE) | 15.3108% | 772 |
| Retained earnings to average equity (ytd only) | 15.3108% | 188 |
| Net charge-offs to loans | 0.0445% | 3,605 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 46.6929% | 1,021 |
| Efficiency ratio | 74.7363% | 2,697 |
| Assets per employee ($millions) | 3.7395% | 4,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6336% | 2,189 |
| Loan loss allowance to noncurrent loans | 272.1053% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.4941% | 4,407 |
| Noncurrent loans to loans | 0.6004% | 4,131 |
| Net loans and leases to total assets | 72.3901% | 1,785 |
| Net loans and leases to deposits | 81.7065% | 2,464 |
| Net loans and leases to core deposits | 93.8953% | 1,879 |
| Total domestic deposits to total assets | 88.5977% | 1,453 |
| Equity capital to assets | 11.1523% | 2,809 |
| Core capital (leverage) ratio | 11.2957% | 2,217 |
| Tier 1 risk-based capital ratio | 14.6073% | 3,812 |
| Total risk-based capital ratio | 15.7037% | 3,857 |
| Memoranda: | ||
| Average total assets | $83,721,000 | 5,020 |
| Average earning assets | $79,070,500 | 4,962 |
| Average equity | $9,074,000 | 4,990 |
| Average total loans | $59,972,250 | 4,528 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1400% | 570 |
| Cost of funding earning assets | 0.8026% | 692 |
| Net interest margin | 4.3374% | 958 |
| Noninterest income to average assets | 1.6297% | 480 |
| Noninterest expense to average assets | 4.3926% | 507 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5887% | 720 |
| Return on assets (ROA) | 1.5887% | 757 |
| Pretax return on assets | 1.3284% | 2,155 |
| Return on Equity (ROE) | 14.8068% | 818 |
| Retained earnings to average equity (ytd only) | 14.8068% | 221 |
| Net charge-offs to loans | 0.0680% | 3,027 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 27.5500% | 1,337 |
| Efficiency ratio | 76.7804% | 2,491 |
| Assets per employee ($millions) | 3.7865% | 4,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7227% | 2,068 |
| Loan loss allowance to noncurrent loans | 72.8169% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 1.7586% | 1,848 |
| Noncurrent loans to loans | 2.3658% | 1,353 |
| Net loans and leases to total assets | 70.8105% | 1,944 |
| Net loans and leases to deposits | 79.8441% | 2,535 |
| Net loans and leases to core deposits | 88.7451% | 2,235 |
| Total domestic deposits to total assets | 88.6860% | 1,547 |
| Equity capital to assets | 11.0535% | 2,822 |
| Core capital (leverage) ratio | 11.1296% | 2,307 |
| Tier 1 risk-based capital ratio | 14.5809% | 3,879 |
| Total risk-based capital ratio | 15.8366% | 3,829 |
| Memoranda: | ||
| Average total assets | $82,958,330 | 5,079 |
| Average earning assets | $78,249,670 | 5,017 |
| Average equity | $8,901,330 | 5,054 |
| Average total loans | $58,864,330 | 4,586 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1122% | 584 |
| Cost of funding earning assets | 0.7802% | 834 |
| Net interest margin | 4.3321% | 938 |
| Noninterest income to average assets | 2.1308% | 300 |
| Noninterest expense to average assets | 4.2520% | 572 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.9569% | 364 |
| Return on assets (ROA) | 1.9569% | 380 |
| Pretax return on assets | 1.9569% | 581 |
| Return on Equity (ROE) | 18.5185% | 396 |
| Retained earnings to average equity (ytd only) | 18.5185% | 160 |
| Net charge-offs to loans | 0.0137% | 3,326 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 202.5000% | 239 |
| Efficiency ratio | 68.4825% | 4,093 |
| Assets per employee ($millions) | 3.8492% | 4,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7547% | 2,179 |
| Loan loss allowance to noncurrent loans | 120.9195% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 1.0864% | 3,083 |
| Noncurrent loans to loans | 1.4511% | 2,614 |
| Net loans and leases to total assets | 69.5567% | 1,973 |
| Net loans and leases to deposits | 77.9870% | 2,559 |
| Net loans and leases to core deposits | 86.1191% | 2,308 |
| Total domestic deposits to total assets | 89.1901% | 1,538 |
| Equity capital to assets | 10.5713% | 3,179 |
| Core capital (leverage) ratio | 10.7682% | 2,634 |
| Tier 1 risk-based capital ratio | 14.1074% | 4,257 |
| Total risk-based capital ratio | 15.3634% | 4,204 |
| Memoranda: | ||
| Average total assets | $82,785,500 | 5,137 |
| Average earning assets | $77,930,500 | 5,070 |
| Average equity | $8,748,000 | 5,115 |
| Average total loans | $58,285,500 | 4,642 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0702% | 801 |
| Cost of funding earning assets | 0.6648% | 2,074 |
| Net interest margin | 4.4054% | 902 |
| Noninterest income to average assets | 0.6805% | 2,644 |
| Noninterest expense to average assets | 4.3108% | 625 |
| Loan and lease loss provision to assets | 1.2666% | 123 |
| Net operating income to assets | -0.9302% | 6,599 |
| Return on assets (ROA) | -0.9302% | 6,598 |
| Pretax return on assets | -0.7905% | 6,552 |
| Return on Equity (ROE) | -8.0174% | 6,556 |
| Retained earnings to average equity (ytd only) | -8.0174% | 6,494 |
| Net charge-offs to loans | 1.5092% | 311 |
| Credit loss provision to net charge-offs | 116.4090% | 2,071 |
| Earnings coverage of net charge-offs (x) | 0.4376% | 4,934 |
| Efficiency ratio | 90.0541% | 1,018 |
| Assets per employee ($millions) | 4.0445% | 3,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8616% | 1,884 |
| Loan loss allowance to noncurrent loans | 134.7826% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 1.0286% | 3,373 |
| Noncurrent loans to loans | 1.3812% | 2,829 |
| Net loans and leases to total assets | 68.6904% | 2,224 |
| Net loans and leases to deposits | 77.3589% | 2,808 |
| Net loans and leases to core deposits | 84.9925% | 2,563 |
| Total domestic deposits to total assets | 88.7945% | 1,758 |
| Equity capital to assets | 10.5626% | 3,082 |
| Core capital (leverage) ratio | 10.5842% | 2,798 |
| Tier 1 risk-based capital ratio | 14.0155% | 4,284 |
| Total risk-based capital ratio | 15.2589% | 4,228 |
| Memoranda: | ||
| Average total assets | $77,294,800 | 5,297 |
| Average earning assets | $72,047,800 | 5,254 |
| Average equity | $8,968,000 | 5,085 |
| Average total loans | $55,726,600 | 4,760 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0010% | 943 |
| Cost of funding earning assets | 0.6404% | 2,450 |
| Net interest margin | 4.3606% | 966 |
| Noninterest income to average assets | 0.2182% | 5,872 |
| Noninterest expense to average assets | 4.2898% | 641 |
| Loan and lease loss provision to assets | 1.6388% | 67 |
| Net operating income to assets | -1.6580% | 6,775 |
| Return on assets (ROA) | -1.6580% | 6,776 |
| Pretax return on assets | -1.6580% | 6,770 |
| Return on Equity (ROE) | -13.9590% | 6,726 |
| Retained earnings to average equity (ytd only) | -13.9590% | 6,694 |
| Net charge-offs to loans | 2.6736% | 105 |
| Credit loss provision to net charge-offs | 84.3666% | 2,742 |
| Earnings coverage of net charge-offs (x) | -0.0099% | 4,859 |
| Efficiency ratio | 100.4495% | 451 |
| Assets per employee ($millions) | 3.8719% | 4,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3176% | 4,298 |
| Loan loss allowance to noncurrent loans | 189.2857% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.5708% | 4,738 |
| Noncurrent loans to loans | 0.6961% | 4,460 |
| Net loans and leases to total assets | 71.7629% | 1,637 |
| Net loans and leases to deposits | 80.9483% | 2,270 |
| Net loans and leases to core deposits | 88.8113% | 2,100 |
| Total domestic deposits to total assets | 88.6527% | 1,749 |
| Equity capital to assets | 10.7313% | 3,035 |
| Core capital (leverage) ratio | 10.3930% | 3,112 |
| Tier 1 risk-based capital ratio | 13.4503% | 4,794 |
| Total risk-based capital ratio | 14.6606% | 4,768 |
| Memoranda: | ||
| Average total assets | $76,396,250 | 5,367 |
| Average earning assets | $70,997,250 | 5,338 |
| Average equity | $9,074,000 | 5,121 |
| Average total loans | $55,504,000 | 4,806 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9316% | 1,027 |
| Cost of funding earning assets | 0.6242% | 2,739 |
| Net interest margin | 4.3073% | 1,019 |
| Noninterest income to average assets | 0.3971% | 4,548 |
| Noninterest expense to average assets | 4.1946% | 698 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4287% | 5,113 |
| Return on assets (ROA) | 0.4287% | 5,268 |
| Pretax return on assets | 0.2130% | 6,060 |
| Return on Equity (ROE) | 3.4946% | 5,428 |
| Retained earnings to average equity (ytd only) | 3.4946% | 4,094 |
| Net charge-offs to loans | 0.0145% | 4,560 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 20.2500% | 1,471 |
| Efficiency ratio | 95.1671% | 698 |
| Assets per employee ($millions) | 3.9922% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7008% | 2,779 |
| Loan loss allowance to noncurrent loans | 53.7102% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 2.3872% | 1,789 |
| Noncurrent loans to loans | 3.1667% | 1,386 |
| Net loans and leases to total assets | 66.0158% | 2,591 |
| Net loans and leases to deposits | 75.0082% | 3,010 |
| Net loans and leases to core deposits | 82.0897% | 2,790 |
| Total domestic deposits to total assets | 88.0115% | 2,240 |
| Equity capital to assets | 11.7994% | 2,049 |
| Core capital (leverage) ratio | 12.4516% | 1,384 |
| Tier 1 risk-based capital ratio | 15.4222% | 3,522 |
| Total risk-based capital ratio | 16.5176% | 3,572 |
| Memoranda: | ||
| Average total assets | $76,049,330 | 5,414 |
| Average earning assets | $70,809,330 | 5,367 |
| Average equity | $9,328,670 | 5,098 |
| Average total loans | $55,234,330 | 4,841 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9197% | 1,029 |
| Cost of funding earning assets | 0.6280% | 2,857 |
| Net interest margin | 4.2917% | 984 |
| Noninterest income to average assets | 0.3560% | 4,825 |
| Noninterest expense to average assets | 4.2291% | 685 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3237% | 5,474 |
| Return on assets (ROA) | 0.3237% | 5,606 |
| Pretax return on assets | 0.1079% | 6,246 |
| Return on Equity (ROE) | 2.5855% | 5,746 |
| Retained earnings to average equity (ytd only) | 2.5855% | 4,729 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5124% | 658 |
| Assets per employee ($millions) | 3.7320% | 4,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6793% | 3,093 |
| Loan loss allowance to noncurrent loans | 46.4739% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 2.9703% | 1,513 |
| Noncurrent loans to loans | 3.6135% | 1,315 |
| Net loans and leases to total assets | 71.8525% | 1,374 |
| Net loans and leases to deposits | 82.2963% | 1,784 |
| Net loans and leases to core deposits | 89.9500% | 1,702 |
| Total domestic deposits to total assets | 87.3096% | 2,751 |
| Equity capital to assets | 12.4801% | 1,726 |
| Core capital (leverage) ratio | 12.7133% | 1,243 |
| Tier 1 risk-based capital ratio | 15.5234% | 3,515 |
| Total risk-based capital ratio | 16.7767% | 3,473 |
| Memoranda: | ||
| Average total assets | $74,152,500 | 5,508 |
| Average earning assets | $68,784,500 | 5,469 |
| Average equity | $9,282,500 | 5,159 |
| Average total loans | $56,041,000 | 4,859 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6281% | 485 |
| Cost of funding earning assets | 0.5984% | 4,370 |
| Net interest margin | 5.0298% | 373 |
| Noninterest income to average assets | 0.7692% | 2,395 |
| Noninterest expense to average assets | 4.1873% | 780 |
| Loan and lease loss provision to assets | 0.4059% | 1,592 |
| Net operating income to assets | 1.2728% | 1,387 |
| Return on assets (ROA) | 1.2728% | 1,536 |
| Pretax return on assets | 0.9646% | 3,684 |
| Return on Equity (ROE) | 10.6027% | 1,938 |
| Retained earnings to average equity (ytd only) | 10.6027% | 486 |
| Net charge-offs to loans | 0.4202% | 2,559 |
| Credit loss provision to net charge-offs | 122.9167% | 2,318 |
| Earnings coverage of net charge-offs (x) | 4.1500% | 3,461 |
| Efficiency ratio | 75.3404% | 2,855 |
| Assets per employee ($millions) | 3.6833% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5920% | 3,357 |
| Loan loss allowance to noncurrent loans | 93.1841% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 1.6683% | 2,895 |
| Noncurrent loans to loans | 1.7085% | 3,052 |
| Net loans and leases to total assets | 76.8604% | 805 |
| Net loans and leases to deposits | 88.2041% | 1,245 |
| Net loans and leases to core deposits | 94.9140% | 1,392 |
| Total domestic deposits to total assets | 87.1393% | 2,752 |
| Equity capital to assets | 12.5567% | 1,670 |
| Core capital (leverage) ratio | 12.1698% | 1,464 |
| Tier 1 risk-based capital ratio | 14.7462% | 3,867 |
| Total risk-based capital ratio | 15.9992% | 3,820 |
| Memoranda: | ||
| Average total assets | $72,672,200 | 5,559 |
| Average earning assets | $69,188,200 | 5,458 |
| Average equity | $8,724,200 | 5,297 |
| Average total loans | $57,117,200 | 4,829 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5710% | 584 |
| Cost of funding earning assets | 0.5891% | 4,751 |
| Net interest margin | 4.9819% | 416 |
| Noninterest income to average assets | 0.2927% | 5,429 |
| Noninterest expense to average assets | 3.9470% | 1,004 |
| Loan and lease loss provision to assets | 0.0810% | 4,620 |
| Net operating income to assets | 1.0438% | 2,305 |
| Return on assets (ROA) | 1.0438% | 2,524 |
| Pretax return on assets | 1.0438% | 3,555 |
| Return on Equity (ROE) | 8.7979% | 2,899 |
| Retained earnings to average equity (ytd only) | 8.7979% | 1,303 |
| Net charge-offs to loans | 0.0678% | 4,739 |
| Credit loss provision to net charge-offs | 151.7241% | 1,856 |
| Earnings coverage of net charge-offs (x) | 21.0667% | 1,424 |
| Efficiency ratio | 77.8221% | 2,418 |
| Assets per employee ($millions) | 4.0343% | 3,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4013% | 4,370 |
| Loan loss allowance to noncurrent loans | 54.8185% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 2.1852% | 2,450 |
| Noncurrent loans to loans | 2.5562% | 2,236 |
| Net loans and leases to total assets | 80.4151% | 476 |
| Net loans and leases to deposits | 91.1658% | 1,035 |
| Net loans and leases to core deposits | 97.8676% | 1,275 |
| Total domestic deposits to total assets | 88.2076% | 1,913 |
| Equity capital to assets | 11.5967% | 2,651 |
| Core capital (leverage) ratio | 12.0390% | 1,632 |
| Tier 1 risk-based capital ratio | 13.2356% | 5,071 |
| Total risk-based capital ratio | 14.4863% | 5,034 |
| Memoranda: | ||
| Average total assets | $72,423,750 | 5,623 |
| Average earning assets | $69,476,500 | 5,511 |
| Average equity | $8,592,750 | 5,385 |
| Average total loans | $57,012,500 | 4,888 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4819% | 749 |
| Cost of funding earning assets | 0.5887% | 4,998 |
| Net interest margin | 4.8932% | 479 |
| Noninterest income to average assets | 0.2929% | 5,461 |
| Noninterest expense to average assets | 3.9710% | 981 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0505% | 2,248 |
| Return on assets (ROA) | 1.0505% | 2,478 |
| Pretax return on assets | 1.0505% | 3,513 |
| Return on Equity (ROE) | 8.7827% | 2,907 |
| Retained earnings to average equity (ytd only) | 8.7827% | 1,347 |
| Net charge-offs to loans | 0.0689% | 4,464 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 19.6316% | 1,428 |
| Efficiency ratio | 79.0802% | 2,311 |
| Assets per employee ($millions) | 4.0431% | 3,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 4,298 |
| Loan loss allowance to noncurrent loans | 113.7838% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 1.1364% | 4,118 |
| Noncurrent loans to loans | 1.2638% | 4,024 |
| Net loans and leases to total assets | 79.2992% | 585 |
| Net loans and leases to deposits | 90.2508% | 1,122 |
| Net loans and leases to core deposits | 97.7622% | 1,292 |
| Total domestic deposits to total assets | 87.8653% | 2,235 |
| Equity capital to assets | 11.9409% | 2,191 |
| Core capital (leverage) ratio | 12.2678% | 1,463 |
| Tier 1 risk-based capital ratio | 14.1549% | 4,336 |
| Total risk-based capital ratio | 15.4059% | 4,304 |
| Memoranda: | ||
| Average total assets | $71,014,670 | 5,700 |
| Average earning assets | $68,625,330 | 5,570 |
| Average equity | $8,494,000 | 5,419 |
| Average total loans | $55,178,330 | 4,981 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4537% | 826 |
| Cost of funding earning assets | 0.5909% | 5,209 |
| Net interest margin | 4.8628% | 494 |
| Noninterest income to average assets | 0.3023% | 5,458 |
| Noninterest expense to average assets | 4.0437% | 888 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9525% | 2,677 |
| Return on assets (ROA) | 0.9525% | 2,884 |
| Pretax return on assets | 0.9525% | 3,854 |
| Return on Equity (ROE) | 7.9562% | 3,301 |
| Retained earnings to average equity (ytd only) | 7.9562% | 1,995 |
| Net charge-offs to loans | 0.2468% | 2,694 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 5.0606% | 2,450 |
| Efficiency ratio | 80.9361% | 2,089 |
| Assets per employee ($millions) | 4.2010% | 3,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 4,040 |
| Loan loss allowance to noncurrent loans | 47.7233% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 3.0203% | 1,919 |
| Noncurrent loans to loans | 3.1966% | 2,011 |
| Net loans and leases to total assets | 74.8393% | 943 |
| Net loans and leases to deposits | 85.1273% | 1,524 |
| Net loans and leases to core deposits | 91.0901% | 1,737 |
| Total domestic deposits to total assets | 87.9146% | 2,378 |
| Equity capital to assets | 11.8753% | 2,129 |
| Core capital (leverage) ratio | 12.1464% | 1,506 |
| Tier 1 risk-based capital ratio | 14.7565% | 3,922 |
| Total risk-based capital ratio | 16.0093% | 3,882 |
| Memoranda: | ||
| Average total assets | $70,134,500 | 5,768 |
| Average earning assets | $67,697,000 | 5,633 |
| Average equity | $8,396,000 | 5,469 |
| Average total loans | $53,491,500 | 5,088 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3466% | 1,574 |
| Cost of funding earning assets | 0.6944% | 5,576 |
| Net interest margin | 4.6522% | 830 |
| Noninterest income to average assets | 0.3907% | 4,695 |
| Noninterest expense to average assets | 4.3628% | 678 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4533% | 4,624 |
| Return on assets (ROA) | 0.4533% | 4,834 |
| Pretax return on assets | 0.4533% | 5,119 |
| Return on Equity (ROE) | 3.7902% | 4,954 |
| Retained earnings to average equity (ytd only) | 3.7902% | 3,519 |
| Net charge-offs to loans | 0.3782% | 3,521 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 1.6000% | 4,572 |
| Efficiency ratio | 90.5882% | 1,143 |
| Assets per employee ($millions) | 3.8251% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6336% | 3,452 |
| Loan loss allowance to noncurrent loans | 58.8115% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 2.8670% | 2,102 |
| Noncurrent loans to loans | 2.7776% | 2,354 |
| Net loans and leases to total assets | 75.3006% | 1,051 |
| Net loans and leases to deposits | 85.7781% | 1,696 |
| Net loans and leases to core deposits | 92.4402% | 1,847 |
| Total domestic deposits to total assets | 87.7854% | 2,286 |
| Equity capital to assets | 12.0708% | 2,069 |
| Core capital (leverage) ratio | 12.5360% | 1,336 |
| Tier 1 risk-based capital ratio | 14.6827% | 3,846 |
| Total risk-based capital ratio | 15.9370% | 3,826 |
| Memoranda: | ||
| Average total assets | $67,066,800 | 5,838 |
| Average earning assets | $63,797,800 | 5,741 |
| Average equity | $8,020,600 | 5,562 |
| Average total loans | $50,238,400 | 5,254 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3383% | 1,724 |
| Cost of funding earning assets | 0.7177% | 5,663 |
| Net interest margin | 4.6206% | 909 |
| Noninterest income to average assets | 0.4303% | 4,437 |
| Noninterest expense to average assets | 4.4109% | 627 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4003% | 5,003 |
| Return on assets (ROA) | 0.4003% | 5,186 |
| Pretax return on assets | 0.4003% | 5,472 |
| Return on Equity (ROE) | 3.3551% | 5,291 |
| Retained earnings to average equity (ytd only) | 3.3551% | 4,338 |
| Net charge-offs to loans | 0.5051% | 2,740 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 1.0638% | 4,833 |
| Efficiency ratio | 91.6805% | 1,053 |
| Assets per employee ($millions) | 3.6008% | 4,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7630% | 3,060 |
| Loan loss allowance to noncurrent loans | 60.7746% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 2.9870% | 2,149 |
| Noncurrent loans to loans | 2.9009% | 2,404 |
| Net loans and leases to total assets | 74.1912% | 1,307 |
| Net loans and leases to deposits | 85.0676% | 1,822 |
| Net loans and leases to core deposits | 96.8013% | 1,523 |
| Total domestic deposits to total assets | 87.2144% | 2,524 |
| Equity capital to assets | 12.6576% | 1,813 |
| Core capital (leverage) ratio | 12.1409% | 1,629 |
| Tier 1 risk-based capital ratio | 15.5291% | 3,369 |
| Total risk-based capital ratio | 16.7802% | 3,329 |
| Memoranda: | ||
| Average total assets | $66,620,500 | 5,892 |
| Average earning assets | $63,164,500 | 5,801 |
| Average equity | $7,948,000 | 5,612 |
| Average total loans | $49,621,250 | 5,320 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2599% | 2,027 |
| Cost of funding earning assets | 0.7236% | 5,814 |
| Net interest margin | 4.5364% | 1,039 |
| Noninterest income to average assets | 0.4909% | 3,941 |
| Noninterest expense to average assets | 4.4598% | 621 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3213% | 5,285 |
| Return on assets (ROA) | 0.3213% | 5,418 |
| Pretax return on assets | 0.3213% | 5,622 |
| Return on Equity (ROE) | 2.7472% | 5,502 |
| Retained earnings to average equity (ytd only) | 2.7472% | 4,535 |
| Net charge-offs to loans | 0.3130% | 3,308 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.3846% | 4,239 |
| Efficiency ratio | 93.2794% | 1,023 |
| Assets per employee ($millions) | 4.1684% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8332% | 2,880 |
| Loan loss allowance to noncurrent loans | 60.2477% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 4.1616% | 1,528 |
| Noncurrent loans to loans | 3.0428% | 2,380 |
| Net loans and leases to total assets | 73.5274% | 1,499 |
| Net loans and leases to deposits | 83.1360% | 2,247 |
| Net loans and leases to core deposits | 94.6484% | 1,829 |
| Total domestic deposits to total assets | 88.4423% | 1,889 |
| Equity capital to assets | 11.4405% | 2,558 |
| Core capital (leverage) ratio | 12.3917% | 1,408 |
| Tier 1 risk-based capital ratio | 14.1286% | 4,076 |
| Total risk-based capital ratio | 15.3555% | 4,061 |
| Memoranda: | ||
| Average total assets | $67,222,330 | 5,914 |
| Average earning assets | $63,575,330 | 5,839 |
| Average equity | $7,862,670 | 5,660 |
| Average total loans | $49,845,000 | 5,360 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3135% | 1,824 |
| Cost of funding earning assets | 0.7877% | 5,624 |
| Net interest margin | 4.5258% | 1,013 |
| Noninterest income to average assets | 0.5260% | 3,685 |
| Noninterest expense to average assets | 4.8439% | 419 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.0306% | 6,389 |
| Return on assets (ROA) | -0.0306% | 6,411 |
| Pretax return on assets | -0.0306% | 6,388 |
| Return on Equity (ROE) | -0.2584% | 6,410 |
| Retained earnings to average equity (ytd only) | -0.2584% | 5,840 |
| Net charge-offs to loans | 0.5557% | 2,108 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.0746% | 4,633 |
| Efficiency ratio | 100.6353% | 711 |
| Assets per employee ($millions) | 3.6797% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0188% | 2,362 |
| Loan loss allowance to noncurrent loans | 32.2941% | 6,153 |
| Noncurrent assets plus other real estate owned to assets | 5.6638% | 1,050 |
| Noncurrent loans to loans | 6.2514% | 986 |
| Net loans and leases to total assets | 76.3440% | 987 |
| Net loans and leases to deposits | 87.6516% | 1,500 |
| Net loans and leases to core deposits | 101.7861% | 1,219 |
| Total domestic deposits to total assets | 87.0994% | 2,891 |
| Equity capital to assets | 12.7728% | 1,484 |
| Core capital (leverage) ratio | 12.3610% | 1,383 |
| Tier 1 risk-based capital ratio | 15.6602% | 3,072 |
| Total risk-based capital ratio | 16.9185% | 3,030 |
| Memoranda: | ||
| Average total assets | $65,402,500 | 6,014 |
| Average earning assets | $61,955,500 | 5,938 |
| Average equity | $7,740,500 | 5,693 |
| Average total loans | $48,229,500 | 5,473 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6101% | 1,856 |
| Cost of funding earning assets | 1.2250% | 4,387 |
| Net interest margin | 4.3851% | 1,532 |
| Noninterest income to average assets | 0.9419% | 1,697 |
| Noninterest expense to average assets | 5.2136% | 361 |
| Loan and lease loss provision to assets | 1.0550% | 1,525 |
| Net operating income to assets | -1.1570% | 6,766 |
| Return on assets (ROA) | -1.1570% | 6,784 |
| Pretax return on assets | -1.1570% | 6,721 |
| Return on Equity (ROE) | -9.8537% | 6,723 |
| Retained earnings to average equity (ytd only) | -9.8537% | 6,658 |
| Net charge-offs to loans | 1.0787% | 2,059 |
| Credit loss provision to net charge-offs | 141.4737% | 2,653 |
| Earnings coverage of net charge-offs (x) | -0.1368% | 6,250 |
| Efficiency ratio | 101.9963% | 724 |
| Assets per employee ($millions) | 3.5921% | 4,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2025% | 1,861 |
| Loan loss allowance to noncurrent loans | 43.5017% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 4.6154% | 1,445 |
| Noncurrent loans to loans | 5.0631% | 1,320 |
| Net loans and leases to total assets | 68.3766% | 2,888 |
| Net loans and leases to deposits | 76.9017% | 3,702 |
| Net loans and leases to core deposits | 88.7425% | 2,938 |
| Total domestic deposits to total assets | 88.9143% | 1,707 |
| Equity capital to assets | 10.9758% | 2,707 |
| Core capital (leverage) ratio | 11.0717% | 2,106 |
| Tier 1 risk-based capital ratio | 14.5955% | 3,484 |
| Total risk-based capital ratio | 15.8464% | 3,443 |
| Memoranda: | ||
| Average total assets | $63,699,000 | 6,068 |
| Average earning assets | $60,569,000 | 5,978 |
| Average equity | $7,479,400 | 5,881 |
| Average total loans | $44,036,000 | 5,745 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9202% | 1,083 |
| Cost of funding earning assets | 1.2940% | 4,256 |
| Net interest margin | 4.6262% | 990 |
| Noninterest income to average assets | 0.3346% | 5,484 |
| Noninterest expense to average assets | 5.2513% | 313 |
| Loan and lease loss provision to assets | 1.0741% | 1,364 |
| Net operating income to assets | -1.5792% | 7,128 |
| Return on assets (ROA) | -1.5792% | 7,138 |
| Pretax return on assets | -1.5792% | 7,066 |
| Return on Equity (ROE) | -13.2145% | 7,049 |
| Retained earnings to average equity (ytd only) | -13.2145% | 7,014 |
| Net charge-offs to loans | 1.3235% | 1,538 |
| Credit loss provision to net charge-offs | 117.7570% | 3,522 |
| Earnings coverage of net charge-offs (x) | -0.5537% | 6,344 |
| Efficiency ratio | 110.6421% | 513 |
| Assets per employee ($millions) | 3.5296% | 4,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9988% | 2,225 |
| Loan loss allowance to noncurrent loans | 350.9434% | 850 |
| Noncurrent assets plus other real estate owned to assets | 1.4956% | 4,209 |
| Noncurrent loans to loans | 0.5695% | 6,067 |
| Net loans and leases to total assets | 67.9953% | 3,217 |
| Net loans and leases to deposits | 76.4737% | 4,089 |
| Net loans and leases to core deposits | 88.9129% | 3,249 |
| Total domestic deposits to total assets | 88.9132% | 1,437 |
| Equity capital to assets | 10.9675% | 2,993 |
| Core capital (leverage) ratio | 11.1575% | 2,153 |
| Tier 1 risk-based capital ratio | 14.4519% | 3,532 |
| Total risk-based capital ratio | 15.6996% | 3,511 |
| Memoranda: | ||
| Average total assets | $62,561,250 | 6,170 |
| Average earning assets | $59,659,000 | 6,073 |
| Average equity | $7,476,500 | 5,955 |
| Average total loans | $43,115,500 | 5,867 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9266% | 1,118 |
| Cost of funding earning assets | 1.3905% | 3,936 |
| Net interest margin | 4.5362% | 1,131 |
| Noninterest income to average assets | 0.2686% | 6,003 |
| Noninterest expense to average assets | 5.3586% | 296 |
| Loan and lease loss provision to assets | 1.0416% | 1,396 |
| Net operating income to assets | -1.8146% | 7,257 |
| Return on assets (ROA) | -1.8146% | 7,262 |
| Pretax return on assets | -1.8146% | 7,177 |
| Return on Equity (ROE) | -14.7399% | 7,137 |
| Retained earnings to average equity (ytd only) | -14.7399% | 7,099 |
| Net charge-offs to loans | 2.0392% | 892 |
| Credit loss provision to net charge-offs | 74.2991% | 4,850 |
| Earnings coverage of net charge-offs (x) | -0.5514% | 6,031 |
| Efficiency ratio | 116.8571% | 453 |
| Assets per employee ($millions) | 3.2130% | 5,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6495% | 3,252 |
| Loan loss allowance to noncurrent loans | 277.6119% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 1.6527% | 3,950 |
| Noncurrent loans to loans | 0.5942% | 6,057 |
| Net loans and leases to total assets | 69.0321% | 3,126 |
| Net loans and leases to deposits | 78.1371% | 3,940 |
| Net loans and leases to core deposits | 90.0857% | 3,242 |
| Total domestic deposits to total assets | 88.3473% | 1,805 |
| Equity capital to assets | 11.5344% | 2,411 |
| Core capital (leverage) ratio | 11.7971% | 1,758 |
| Tier 1 risk-based capital ratio | 15.0589% | 3,129 |
| Total risk-based capital ratio | 16.3125% | 3,088 |
| Memoranda: | ||
| Average total assets | $61,061,000 | 6,265 |
| Average earning assets | $58,110,670 | 6,166 |
| Average equity | $7,517,000 | 5,961 |
| Average total loans | $41,977,670 | 5,959 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6545% | 1,941 |
| Cost of funding earning assets | 1.5169% | 3,443 |
| Net interest margin | 4.1376% | 2,281 |
| Noninterest income to average assets | 0.3498% | 5,340 |
| Noninterest expense to average assets | 5.6642% | 253 |
| Loan and lease loss provision to assets | 1.4530% | 812 |
| Net operating income to assets | -2.8590% | 7,621 |
| Return on assets (ROA) | -2.8590% | 7,622 |
| Pretax return on assets | -2.8590% | 7,581 |
| Return on Equity (ROE) | -22.4586% | 7,473 |
| Retained earnings to average equity (ytd only) | -22.4586% | 7,425 |
| Net charge-offs to loans | 3.8006% | 360 |
| Credit loss provision to net charge-offs | 56.2500% | 4,379 |
| Earnings coverage of net charge-offs (x) | -0.5443% | 5,297 |
| Efficiency ratio | 133.0174% | 310 |
| Assets per employee ($millions) | 3.6646% | 4,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6178% | 3,370 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5169% | 4,223 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 66.9652% | 3,643 |
| Net loans and leases to deposits | 76.1806% | 4,378 |
| Net loans and leases to core deposits | 88.8014% | 3,521 |
| Total domestic deposits to total assets | 87.9033% | 2,114 |
| Equity capital to assets | 11.9137% | 2,094 |
| Core capital (leverage) ratio | 12.5340% | 1,392 |
| Tier 1 risk-based capital ratio | 15.4912% | 2,874 |
| Total risk-based capital ratio | 16.7623% | 2,809 |
| Memoranda: | ||
| Average total assets | $59,461,500 | 6,406 |
| Average earning assets | $56,168,000 | 6,319 |
| Average equity | $7,569,500 | 5,988 |
| Average total loans | $40,414,500 | 6,102 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5055% | 4,115 |
| Cost of funding earning assets | 2.1390% | 2,284 |
| Net interest margin | 3.3665% | 5,507 |
| Noninterest income to average assets | 0.1805% | 6,799 |
| Noninterest expense to average assets | 6.1157% | 295 |
| Loan and lease loss provision to assets | 1.5725% | 1,460 |
| Net operating income to assets | -4.2590% | 7,643 |
| Return on assets (ROA) | -4.2590% | 7,644 |
| Pretax return on assets | -4.2590% | 7,586 |
| Return on Equity (ROE) | -24.3379% | 7,273 |
| Retained earnings to average equity (ytd only) | -24.3379% | 7,246 |
| Net charge-offs to loans | 0.5575% | 3,552 |
| Credit loss provision to net charge-offs | 438.1503% | 715 |
| Earnings coverage of net charge-offs (x) | -7.4855% | 7,141 |
| Efficiency ratio | 178.3424% | 191 |
| Assets per employee ($millions) | 3.5391% | 4,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2225% | 1,604 |
| Loan loss allowance to noncurrent loans | 1,897.7778% | 211 |
| Noncurrent assets plus other real estate owned to assets | 2.3329% | 2,964 |
| Noncurrent loans to loans | 0.1171% | 7,125 |
| Net loans and leases to total assets | 66.3506% | 4,067 |
| Net loans and leases to deposits | 76.9866% | 4,567 |
| Net loans and leases to core deposits | 136.9855% | 913 |
| Total domestic deposits to total assets | 86.1845% | 2,913 |
| Equity capital to assets | 13.6283% | 1,268 |
| Core capital (leverage) ratio | 14.2265% | 944 |
| Tier 1 risk-based capital ratio | 17.6135% | 1,992 |
| Total risk-based capital ratio | 18.8643% | 1,952 |
| Memoranda: | ||
| Average total assets | $48,203,600 | 6,782 |
| Average earning assets | $46,516,800 | 6,665 |
| Average equity | $8,435,400 | 5,785 |
| Average total loans | $31,031,600 | 6,579 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5178% | 4,329 |
| Cost of funding earning assets | 2.2966% | 1,996 |
| Net interest margin | 3.2212% | 5,944 |
| Noninterest income to average assets | 0.1706% | 6,990 |
| Noninterest expense to average assets | 6.3920% | 263 |
| Loan and lease loss provision to assets | 1.6197% | 1,163 |
| Net operating income to assets | -4.7173% | 7,818 |
| Return on assets (ROA) | -4.7173% | 7,816 |
| Pretax return on assets | -4.7173% | 7,775 |
| Return on Equity (ROE) | -25.2421% | 7,511 |
| Retained earnings to average equity (ytd only) | -25.2421% | 7,490 |
| Net charge-offs to loans | 0.6031% | 2,867 |
| Credit loss provision to net charge-offs | 424.2424% | 938 |
| Earnings coverage of net charge-offs (x) | -8.1134% | 6,892 |
| Efficiency ratio | 194.0299% | 167 |
| Assets per employee ($millions) | 3.1758% | 5,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0285% | 1,730 |
| Loan loss allowance to noncurrent loans | 34.6059% | 6,117 |
| Noncurrent assets plus other real estate owned to assets | 4.3926% | 1,401 |
| Noncurrent loans to loans | 5.8618% | 1,027 |
| Net loans and leases to total assets | 66.3433% | 4,342 |
| Net loans and leases to deposits | 78.9540% | 4,570 |
| Net loans and leases to core deposits | 143.9042% | 767 |
| Total domestic deposits to total assets | 84.0277% | 3,710 |
| Equity capital to assets | 15.7597% | 840 |
| Core capital (leverage) ratio | 15.9094% | 693 |
| Tier 1 risk-based capital ratio | 20.7284% | 1,415 |
| Total risk-based capital ratio | 21.9864% | 1,374 |
| Memoranda: | ||
| Average total assets | $46,098,250 | 6,915 |
| Average earning assets | $44,702,500 | 6,787 |
| Average equity | $8,615,000 | 5,783 |
| Average total loans | $29,183,250 | 6,728 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6950% | 3,569 |
| Cost of funding earning assets | 2.3837% | 2,036 |
| Net interest margin | 3.3113% | 5,516 |
| Noninterest income to average assets | 0.1392% | 7,259 |
| Noninterest expense to average assets | 6.9576% | 222 |
| Loan and lease loss provision to assets | 1.6260% | 1,033 |
| Net operating income to assets | -5.2373% | 7,954 |
| Return on assets (ROA) | -5.2373% | 7,947 |
| Pretax return on assets | -5.2373% | 7,892 |
| Return on Equity (ROE) | -26.4479% | 7,653 |
| Retained earnings to average equity (ytd only) | -26.4479% | 7,620 |
| Net charge-offs to loans | 0.2405% | 3,992 |
| Credit loss provision to net charge-offs | 1,096.9697% | 450 |
| Earnings coverage of net charge-offs (x) | -24.3636% | 6,571 |
| Efficiency ratio | 207.9195% | 179 |
| Assets per employee ($millions) | 3.1123% | 5,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8169% | 2,000 |
| Loan loss allowance to noncurrent loans | 494.2149% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.6747% | 5,722 |
| Noncurrent loans to loans | 0.3676% | 6,593 |
| Net loans and leases to total assets | 64.8955% | 4,782 |
| Net loans and leases to deposits | 78.1864% | 4,839 |
| Net loans and leases to core deposits | 149.1347% | 680 |
| Total domestic deposits to total assets | 83.0010% | 4,237 |
| Equity capital to assets | 16.7540% | 702 |
| Core capital (leverage) ratio | 17.1167% | 602 |
| Tier 1 risk-based capital ratio | 22.2480% | 1,217 |
| Total risk-based capital ratio | 23.5013% | 1,188 |
| Memoranda: | ||
| Average total assets | $44,526,670 | 7,037 |
| Average earning assets | $43,125,330 | 6,923 |
| Average equity | $8,817,330 | 5,745 |
| Average total loans | $27,441,330 | 6,884 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2796% | 5,983 |
| Cost of funding earning assets | 2.3684% | 2,423 |
| Net interest margin | 2.9112% | 6,717 |
| Noninterest income to average assets | 0.1241% | 7,405 |
| Noninterest expense to average assets | 7.1900% | 196 |
| Loan and lease loss provision to assets | 0.7066% | 1,806 |
| Net operating income to assets | -4.9557% | 8,037 |
| Return on assets (ROA) | -4.9557% | 8,029 |
| Pretax return on assets | -4.9557% | 7,980 |
| Return on Equity (ROE) | -22.9278% | 7,808 |
| Retained earnings to average equity (ytd only) | -22.9278% | 7,720 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 244.4805% | 132 |
| Assets per employee ($millions) | 2.9401% | 6,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2521% | 4,414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 57.5073% | 6,022 |
| Net loans and leases to deposits | 71.0885% | 5,859 |
| Net loans and leases to core deposits | 129.8454% | 1,666 |
| Total domestic deposits to total assets | 80.8954% | 5,012 |
| Equity capital to assets | 18.8325% | 512 |
| Core capital (leverage) ratio | 21.7864% | 314 |
| Tier 1 risk-based capital ratio | 27.3215% | 797 |
| Total risk-based capital ratio | 28.3793% | 793 |
| Memoranda: | ||
| Average total assets | $41,891,500 | 7,170 |
| Average earning assets | $40,533,500 | 7,078 |
| Average equity | $9,054,500 | 5,690 |
| Average total loans | $24,705,000 | 7,083 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9892% | 8,106 |
| Cost of funding earning assets | 1.3153% | 7,834 |
| Net interest margin | 2.6740% | 7,542 |
| Noninterest income to average assets | 0.1032% | 7,620 |
| Noninterest expense to average assets | 9.2731% | 163 |
| Loan and lease loss provision to assets | 1.1106% | 1,305 |
| Net operating income to assets | -7.7372% | 8,216 |
| Return on assets (ROA) | -7.7372% | 8,212 |
| Pretax return on assets | -7.7372% | 8,193 |
| Return on Equity (ROE) | -19.1005% | 7,741 |
| Retained earnings to average equity (ytd only) | -19.1005% | 7,656 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 349.1420% | 80 |
| Assets per employee ($millions) | 2.2964% | 7,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 4,362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 59.1857% | 6,029 |
| Net loans and leases to deposits | 79.4055% | 5,147 |
| Net loans and leases to core deposits | 128.1891% | 1,987 |
| Total domestic deposits to total assets | 74.5360% | 6,547 |
| Equity capital to assets | 25.1755% | 266 |
| Core capital (leverage) ratio | 28.9923% | 201 |
| Tier 1 risk-based capital ratio | 35.7184% | 426 |
| Total risk-based capital ratio | 36.7572% | 424 |
| Memoranda: | ||
| Average total assets | $24,220,500 | 7,863 |
| Average earning assets | $23,037,000 | 7,821 |
| Average equity | $9,811,250 | 5,468 |
| Average total loans | $11,001,500 | 7,890 |