Home > Treasure State Bank > Performance and Condition Ratios
Treasure State Bank, Performance and Condition Ratios
| 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 | 4.2339% | 2,389 |
| Cost of funding earning assets | 0.4420% | 2,642 |
| Net interest margin | 3.7919% | 2,356 |
| Noninterest income to average assets | 1.2860% | 693 |
| Noninterest expense to average assets | 3.8384% | 730 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4147% | 4,990 |
| Return on assets (ROA) | 0.4147% | 5,073 |
| Pretax return on assets | 0.7905% | 4,319 |
| Return on Equity (ROE) | 3.0975% | 5,222 |
| Retained earnings to average equity (ytd only) | 3.0975% | 3,930 |
| Net charge-offs to loans | -0.0778% | 5,535 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9224% | 1,158 |
| Assets per employee ($millions) | 4.2970% | 3,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9772% | 773 |
| Loan loss allowance to noncurrent loans | 162.9464% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 2.1547% | 727 |
| Noncurrent loans to loans | 1.2134% | 1,896 |
| Net loans and leases to total assets | 74.3145% | 1,776 |
| Net loans and leases to deposits | 90.7156% | 1,667 |
| Net loans and leases to core deposits | 91.2278% | 2,411 |
| Total domestic deposits to total assets | 81.9204% | 4,018 |
| Equity capital to assets | 13.3294% | 1,317 |
| Core capital (leverage) ratio | 11.0857% | 2,339 |
| Tier 1 risk-based capital ratio | 12.3916% | 4,599 |
| Total risk-based capital ratio | 13.6634% | 4,498 |
| Memoranda: | ||
| Average total assets | $71,852,330 | 4,983 |
| Average earning assets | $63,346,000 | 5,042 |
| Average equity | $9,620,670 | 4,719 |
| Average total loans | $53,970,670 | 4,529 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2322% | 2,361 |
| Cost of funding earning assets | 0.4532% | 2,549 |
| Net interest margin | 3.7789% | 2,375 |
| Noninterest income to average assets | 1.0329% | 1,014 |
| Noninterest expense to average assets | 3.3009% | 1,600 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6456% | 3,995 |
| Return on assets (ROA) | 0.6456% | 4,116 |
| Pretax return on assets | 1.0554% | 3,254 |
| Return on Equity (ROE) | 4.8105% | 4,574 |
| Retained earnings to average equity (ytd only) | 4.8105% | 3,061 |
| Net charge-offs to loans | -0.1352% | 5,741 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7732% | 2,208 |
| Assets per employee ($millions) | 3.9654% | 4,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0466% | 759 |
| Loan loss allowance to noncurrent loans | 159.6491% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 2.2584% | 712 |
| Noncurrent loans to loans | 1.2819% | 1,884 |
| Net loans and leases to total assets | 73.2239% | 1,845 |
| Net loans and leases to deposits | 89.5623% | 1,631 |
| Net loans and leases to core deposits | 90.0795% | 2,365 |
| Total domestic deposits to total assets | 81.7574% | 4,296 |
| Equity capital to assets | 13.4665% | 1,188 |
| Core capital (leverage) ratio | 11.0970% | 2,316 |
| Tier 1 risk-based capital ratio | 12.2563% | 4,747 |
| Total risk-based capital ratio | 13.5291% | 4,634 |
| Memoranda: | ||
| Average total assets | $71,254,000 | 5,043 |
| Average earning assets | $62,663,000 | 5,105 |
| Average equity | $9,562,500 | 4,748 |
| Average total loans | $53,265,500 | 4,582 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2541% | 2,375 |
| Cost of funding earning assets | 0.5490% | 1,766 |
| Net interest margin | 3.7051% | 2,730 |
| Noninterest income to average assets | 1.2291% | 790 |
| Noninterest expense to average assets | 3.3843% | 1,516 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6314% | 4,130 |
| Return on assets (ROA) | 0.6314% | 4,226 |
| Pretax return on assets | 1.0453% | 3,285 |
| Return on Equity (ROE) | 4.7836% | 4,615 |
| Retained earnings to average equity (ytd only) | 4.7836% | 2,593 |
| Net charge-offs to loans | 0.5169% | 495 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 2.8544% | 3,814 |
| Efficiency ratio | 76.4016% | 2,207 |
| Assets per employee ($millions) | 3.9517% | 4,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0198% | 777 |
| Loan loss allowance to noncurrent loans | 111.9917% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 2.6782% | 550 |
| Noncurrent loans to loans | 1.8035% | 1,214 |
| Net loans and leases to total assets | 73.2451% | 1,848 |
| Net loans and leases to deposits | 90.2227% | 1,585 |
| Net loans and leases to core deposits | 90.7476% | 2,340 |
| Total domestic deposits to total assets | 81.1826% | 4,433 |
| Equity capital to assets | 13.3739% | 1,175 |
| Core capital (leverage) ratio | 10.5188% | 2,909 |
| Tier 1 risk-based capital ratio | 12.3841% | 4,710 |
| Total risk-based capital ratio | 13.6683% | 4,579 |
| Memoranda: | ||
| Average total assets | $71,270,600 | 5,061 |
| Average earning assets | $61,564,400 | 5,141 |
| Average equity | $9,407,200 | 4,769 |
| Average total loans | $50,496,800 | 4,654 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2399% | 2,444 |
| Cost of funding earning assets | 0.5713% | 1,617 |
| Net interest margin | 3.6686% | 2,892 |
| Noninterest income to average assets | 1.2191% | 809 |
| Noninterest expense to average assets | 3.3769% | 1,519 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6058% | 4,355 |
| Return on assets (ROA) | 0.6058% | 4,456 |
| Pretax return on assets | 1.0004% | 3,613 |
| Return on Equity (ROE) | 4.6051% | 4,794 |
| Retained earnings to average equity (ytd only) | 4.6051% | 3,196 |
| Net charge-offs to loans | -0.0963% | 5,767 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1465% | 2,067 |
| Assets per employee ($millions) | 3.9321% | 4,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6686% | 347 |
| Loan loss allowance to noncurrent loans | 86.4439% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 4.6257% | 236 |
| Noncurrent loans to loans | 3.0871% | 558 |
| Net loans and leases to total assets | 70.6491% | 2,290 |
| Net loans and leases to deposits | 87.3646% | 1,983 |
| Net loans and leases to core deposits | 88.2792% | 2,635 |
| Total domestic deposits to total assets | 80.8669% | 4,509 |
| Equity capital to assets | 13.5056% | 1,226 |
| Core capital (leverage) ratio | 10.3076% | 3,249 |
| Tier 1 risk-based capital ratio | 12.6366% | 4,659 |
| Total risk-based capital ratio | 13.9292% | 4,533 |
| Memoranda: | ||
| Average total assets | $71,305,500 | 5,120 |
| Average earning assets | $61,383,500 | 5,211 |
| Average equity | $9,380,750 | 4,831 |
| Average total loans | $49,827,500 | 4,721 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1867% | 2,594 |
| Cost of funding earning assets | 0.5745% | 1,611 |
| Net interest margin | 3.6122% | 3,034 |
| Noninterest income to average assets | 0.9905% | 1,199 |
| Noninterest expense to average assets | 3.3072% | 1,684 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4868% | 4,824 |
| Return on assets (ROA) | 0.4868% | 4,927 |
| Pretax return on assets | 0.7974% | 4,322 |
| Return on Equity (ROE) | 3.7334% | 5,127 |
| Retained earnings to average equity (ytd only) | 3.7334% | 3,642 |
| Net charge-offs to loans | -0.1338% | 5,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5726% | 1,682 |
| Assets per employee ($millions) | 3.9530% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7579% | 350 |
| Loan loss allowance to noncurrent loans | 79.6275% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 4.9006% | 234 |
| Noncurrent loans to loans | 3.4635% | 509 |
| Net loans and leases to total assets | 67.7896% | 2,677 |
| Net loans and leases to deposits | 83.3953% | 2,391 |
| Net loans and leases to core deposits | 84.2562% | 2,957 |
| Total domestic deposits to total assets | 81.2871% | 4,523 |
| Equity capital to assets | 13.2220% | 1,292 |
| Core capital (leverage) ratio | 10.4219% | 3,058 |
| Tier 1 risk-based capital ratio | 12.8310% | 4,604 |
| Total risk-based capital ratio | 14.0959% | 4,520 |
| Memoranda: | ||
| Average total assets | $71,481,330 | 5,170 |
| Average earning assets | $61,623,670 | 5,261 |
| Average equity | $9,321,330 | 4,875 |
| Average total loans | $49,311,670 | 4,775 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2279% | 2,355 |
| Cost of funding earning assets | 0.5836% | 1,555 |
| Net interest margin | 3.6443% | 2,837 |
| Noninterest income to average assets | 0.8821% | 1,445 |
| Noninterest expense to average assets | 3.1209% | 2,203 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5527% | 4,467 |
| Return on assets (ROA) | 0.5527% | 4,576 |
| Pretax return on assets | 0.8989% | 3,899 |
| Return on Equity (ROE) | 4.2682% | 4,858 |
| Retained earnings to average equity (ytd only) | 4.2682% | 3,454 |
| Net charge-offs to loans | -0.6264% | 6,269 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6389% | 2,240 |
| Assets per employee ($millions) | 3.9911% | 3,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8240% | 358 |
| Loan loss allowance to noncurrent loans | 69.4540% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 5.3132% | 219 |
| Noncurrent loans to loans | 4.0660% | 425 |
| Net loans and leases to total assets | 67.6336% | 2,510 |
| Net loans and leases to deposits | 82.8906% | 2,223 |
| Net loans and leases to core deposits | 83.7320% | 2,804 |
| Total domestic deposits to total assets | 81.5938% | 4,642 |
| Equity capital to assets | 12.9886% | 1,412 |
| Core capital (leverage) ratio | 9.9744% | 3,634 |
| Tier 1 risk-based capital ratio | 12.4444% | 4,950 |
| Total risk-based capital ratio | 13.7099% | 4,852 |
| Memoranda: | ||
| Average total assets | $71,645,000 | 5,213 |
| Average earning assets | $61,686,000 | 5,307 |
| Average equity | $9,278,000 | 4,923 |
| Average total loans | $49,166,000 | 4,809 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3870% | 2,263 |
| Cost of funding earning assets | 0.6226% | 1,590 |
| Net interest margin | 3.7644% | 2,753 |
| Noninterest income to average assets | 0.5382% | 3,251 |
| Noninterest expense to average assets | 3.2615% | 2,033 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 3.3174% | 77 |
| Return on assets (ROA) | 3.3174% | 77 |
| Pretax return on assets | 0.5573% | 5,083 |
| Return on Equity (ROE) | 29.4602% | 62 |
| Retained earnings to average equity (ytd only) | 29.4602% | 26 |
| Net charge-offs to loans | 0.4694% | 888 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1.7227% | 4,346 |
| Efficiency ratio | 85.4062% | 1,241 |
| Assets per employee ($millions) | 4.2104% | 3,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7621% | 390 |
| Loan loss allowance to noncurrent loans | 59.5982% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 5.7085% | 213 |
| Noncurrent loans to loans | 4.6346% | 350 |
| Net loans and leases to total assets | 65.6594% | 2,954 |
| Net loans and leases to deposits | 79.9214% | 2,726 |
| Net loans and leases to core deposits | 80.7287% | 3,215 |
| Total domestic deposits to total assets | 82.1549% | 4,362 |
| Equity capital to assets | 13.0656% | 1,338 |
| Core capital (leverage) ratio | 10.4220% | 3,036 |
| Tier 1 risk-based capital ratio | 12.8739% | 4,807 |
| Total risk-based capital ratio | 14.1397% | 4,716 |
| Memoranda: | ||
| Average total assets | $68,005,200 | 5,343 |
| Average earning assets | $59,266,000 | 5,411 |
| Average equity | $7,657,800 | 5,283 |
| Average total loans | $46,873,200 | 4,918 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4654% | 2,000 |
| Cost of funding earning assets | 0.6311% | 1,591 |
| Net interest margin | 3.8343% | 2,496 |
| Noninterest income to average assets | 0.5185% | 3,419 |
| Noninterest expense to average assets | 3.2204% | 2,120 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6536% | 4,202 |
| Return on assets (ROA) | 0.6536% | 4,297 |
| Pretax return on assets | 0.6536% | 4,863 |
| Return on Equity (ROE) | 6.0637% | 4,203 |
| Retained earnings to average equity (ytd only) | 6.0637% | 2,371 |
| Net charge-offs to loans | 0.6622% | 537 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.4243% | 4,158 |
| Efficiency ratio | 83.1282% | 1,480 |
| Assets per employee ($millions) | 4.0258% | 3,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8414% | 425 |
| Loan loss allowance to noncurrent loans | 48.5693% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 6.2450% | 211 |
| Noncurrent loans to loans | 5.8503% | 247 |
| Net loans and leases to total assets | 66.1494% | 2,841 |
| Net loans and leases to deposits | 78.6846% | 2,873 |
| Net loans and leases to core deposits | 79.0377% | 3,434 |
| Total domestic deposits to total assets | 84.0690% | 3,730 |
| Equity capital to assets | 10.8403% | 3,139 |
| Core capital (leverage) ratio | 10.3236% | 3,261 |
| Tier 1 risk-based capital ratio | 13.6627% | 4,438 |
| Total risk-based capital ratio | 14.9286% | 4,370 |
| Memoranda: | ||
| Average total assets | $67,112,250 | 5,427 |
| Average earning assets | $58,731,750 | 5,494 |
| Average equity | $7,234,250 | 5,409 |
| Average total loans | $46,508,500 | 4,983 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5414% | 1,690 |
| Cost of funding earning assets | 0.6399% | 1,588 |
| Net interest margin | 3.9015% | 2,159 |
| Noninterest income to average assets | 0.4530% | 3,853 |
| Noninterest expense to average assets | 3.2668% | 2,002 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5880% | 4,418 |
| Return on assets (ROA) | 0.5880% | 4,512 |
| Pretax return on assets | 0.5880% | 4,988 |
| Return on Equity (ROE) | 5.4652% | 4,452 |
| Retained earnings to average equity (ytd only) | 5.4652% | 2,658 |
| Net charge-offs to loans | 0.1162% | 2,501 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.2593% | 2,657 |
| Efficiency ratio | 84.7471% | 1,418 |
| Assets per employee ($millions) | 4.3022% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2620% | 287 |
| Loan loss allowance to noncurrent loans | 44.2899% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 7.1185% | 177 |
| Noncurrent loans to loans | 7.3652% | 157 |
| Net loans and leases to total assets | 65.8299% | 2,776 |
| Net loans and leases to deposits | 78.0240% | 2,801 |
| Net loans and leases to core deposits | 78.7289% | 3,347 |
| Total domestic deposits to total assets | 84.3713% | 3,795 |
| Equity capital to assets | 10.5833% | 3,336 |
| Core capital (leverage) ratio | 10.4749% | 2,979 |
| Tier 1 risk-based capital ratio | 13.3349% | 4,701 |
| Total risk-based capital ratio | 14.6060% | 4,625 |
| Memoranda: | ||
| Average total assets | $66,670,000 | 5,484 |
| Average earning assets | $58,131,670 | 5,557 |
| Average equity | $7,172,670 | 5,444 |
| Average total loans | $46,479,330 | 5,021 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3458% | 2,350 |
| Cost of funding earning assets | 0.6697% | 1,443 |
| Net interest margin | 3.6761% | 2,961 |
| Noninterest income to average assets | 0.4818% | 3,553 |
| Noninterest expense to average assets | 3.3116% | 1,921 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3842% | 5,169 |
| Return on assets (ROA) | 0.3842% | 5,241 |
| Pretax return on assets | 0.3842% | 5,502 |
| Return on Equity (ROE) | 3.5411% | 5,250 |
| Retained earnings to average equity (ytd only) | 3.5411% | 4,010 |
| Net charge-offs to loans | -0.0864% | 6,061 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6040% | 1,073 |
| Assets per employee ($millions) | 4.0858% | 3,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3285% | 309 |
| Loan loss allowance to noncurrent loans | 60.9186% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 6.3115% | 261 |
| Noncurrent loans to loans | 5.4639% | 368 |
| Net loans and leases to total assets | 69.5287% | 1,980 |
| Net loans and leases to deposits | 83.0283% | 1,944 |
| Net loans and leases to core deposits | 83.8230% | 2,536 |
| Total domestic deposits to total assets | 83.7410% | 4,372 |
| Equity capital to assets | 10.9372% | 2,779 |
| Core capital (leverage) ratio | 10.2404% | 3,231 |
| Tier 1 risk-based capital ratio | 13.2196% | 4,881 |
| Total risk-based capital ratio | 14.4925% | 4,802 |
| Memoranda: | ||
| Average total assets | $65,587,500 | 5,575 |
| Average earning assets | $57,343,000 | 5,629 |
| Average equity | $7,116,500 | 5,488 |
| Average total loans | $46,298,000 | 5,070 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8177% | 1,273 |
| Cost of funding earning assets | 0.8576% | 922 |
| Net interest margin | 3.9601% | 2,066 |
| Noninterest income to average assets | -0.1575% | 6,743 |
| Noninterest expense to average assets | 3.4031% | 1,876 |
| Loan and lease loss provision to assets | 0.0863% | 3,383 |
| Net operating income to assets | 0.8542% | 3,011 |
| Return on assets (ROA) | 0.8542% | 3,088 |
| Pretax return on assets | -0.2060% | 6,358 |
| Return on Equity (ROE) | 8.5569% | 2,755 |
| Retained earnings to average equity (ytd only) | 8.5569% | 890 |
| Net charge-offs to loans | 0.8144% | 766 |
| Credit loss provision to net charge-offs | 14.9215% | 4,529 |
| Earnings coverage of net charge-offs (x) | -0.2068% | 5,149 |
| Efficiency ratio | 103.6439% | 379 |
| Assets per employee ($millions) | 4.1126% | 3,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4117% | 313 |
| Loan loss allowance to noncurrent loans | 59.9923% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 6.3387% | 291 |
| Noncurrent loans to loans | 5.6870% | 387 |
| Net loans and leases to total assets | 66.9022% | 2,540 |
| Net loans and leases to deposits | 79.6105% | 2,507 |
| Net loans and leases to core deposits | 80.3633% | 3,084 |
| Total domestic deposits to total assets | 84.0370% | 4,158 |
| Equity capital to assets | 10.7641% | 2,862 |
| Core capital (leverage) ratio | 9.9953% | 3,585 |
| Tier 1 risk-based capital ratio | 13.1924% | 4,856 |
| Total risk-based capital ratio | 14.4649% | 4,787 |
| Memoranda: | ||
| Average total assets | $66,029,000 | 5,594 |
| Average earning assets | $57,372,200 | 5,670 |
| Average equity | $6,591,200 | 5,673 |
| Average total loans | $46,907,400 | 5,073 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8777% | 1,170 |
| Cost of funding earning assets | 0.8970% | 829 |
| Net interest margin | 3.9807% | 2,008 |
| Noninterest income to average assets | -0.2825% | 6,846 |
| Noninterest expense to average assets | 3.3451% | 1,961 |
| Loan and lease loss provision to assets | 0.1150% | 2,852 |
| Net operating income to assets | 1.1258% | 1,906 |
| Return on assets (ROA) | 1.1258% | 1,970 |
| Pretax return on assets | -0.2865% | 6,509 |
| Return on Equity (ROE) | 11.5020% | 1,653 |
| Retained earnings to average equity (ytd only) | 11.5020% | 502 |
| Net charge-offs to loans | 1.1205% | 503 |
| Credit loss provision to net charge-offs | 14.3577% | 4,160 |
| Earnings coverage of net charge-offs (x) | -0.2141% | 4,914 |
| Efficiency ratio | 105.4037% | 341 |
| Assets per employee ($millions) | 4.0359% | 3,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4478% | 352 |
| Loan loss allowance to noncurrent loans | 52.7940% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 6.9624% | 298 |
| Noncurrent loans to loans | 6.5307% | 348 |
| Net loans and leases to total assets | 66.7844% | 2,501 |
| Net loans and leases to deposits | 78.3482% | 2,608 |
| Net loans and leases to core deposits | 79.0896% | 3,219 |
| Total domestic deposits to total assets | 85.2404% | 3,616 |
| Equity capital to assets | 10.4746% | 3,308 |
| Core capital (leverage) ratio | 9.8079% | 3,944 |
| Tier 1 risk-based capital ratio | 13.0069% | 5,117 |
| Total risk-based capital ratio | 14.2805% | 5,051 |
| Memoranda: | ||
| Average total assets | $66,085,750 | 5,649 |
| Average earning assets | $57,375,250 | 5,732 |
| Average equity | $6,468,250 | 5,776 |
| Average total loans | $47,239,750 | 5,103 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9002% | 1,097 |
| Cost of funding earning assets | 0.9467% | 723 |
| Net interest margin | 3.9534% | 2,032 |
| Noninterest income to average assets | -0.6187% | 6,915 |
| Noninterest expense to average assets | 3.3489% | 1,940 |
| Loan and lease loss provision to assets | 0.1622% | 2,300 |
| Net operating income to assets | 1.3966% | 1,085 |
| Return on assets (ROA) | 1.3966% | 1,168 |
| Pretax return on assets | -0.7058% | 6,689 |
| Return on Equity (ROE) | 14.6004% | 890 |
| Retained earnings to average equity (ytd only) | 14.6004% | 265 |
| Net charge-offs to loans | 1.8255% | 254 |
| Credit loss provision to net charge-offs | 12.3007% | 3,866 |
| Earnings coverage of net charge-offs (x) | -0.4123% | 4,651 |
| Efficiency ratio | 119.3790% | 188 |
| Assets per employee ($millions) | 4.1327% | 3,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1187% | 515 |
| Loan loss allowance to noncurrent loans | 45.1116% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 7.7099% | 285 |
| Noncurrent loans to loans | 6.9134% | 358 |
| Net loans and leases to total assets | 70.2343% | 1,844 |
| Net loans and leases to deposits | 80.4744% | 2,261 |
| Net loans and leases to core deposits | 82.4299% | 2,757 |
| Total domestic deposits to total assets | 87.2752% | 2,674 |
| Equity capital to assets | 10.0857% | 3,810 |
| Core capital (leverage) ratio | 9.6676% | 3,986 |
| Tier 1 risk-based capital ratio | 12.0874% | 5,743 |
| Total risk-based capital ratio | 13.3580% | 5,677 |
| Memoranda: | ||
| Average total assets | $66,589,330 | 5,666 |
| Average earning assets | $57,671,330 | 5,760 |
| Average equity | $6,369,670 | 5,833 |
| Average total loans | $48,097,670 | 5,096 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0322% | 845 |
| Cost of funding earning assets | 1.0120% | 582 |
| Net interest margin | 4.0202% | 1,709 |
| Noninterest income to average assets | 0.2993% | 5,304 |
| Noninterest expense to average assets | 3.3282% | 2,015 |
| Loan and lease loss provision to assets | 0.1437% | 2,444 |
| Net operating income to assets | 0.2993% | 5,568 |
| Return on assets (ROA) | 0.2993% | 5,692 |
| Pretax return on assets | 0.2993% | 5,852 |
| Return on Equity (ROE) | 3.2154% | 5,481 |
| Retained earnings to average equity (ytd only) | 3.2154% | 4,323 |
| Net charge-offs to loans | 0.0332% | 3,567 |
| Credit loss provision to net charge-offs | 600.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,262 |
| Efficiency ratio | 88.2540% | 1,305 |
| Assets per employee ($millions) | 4.1469% | 3,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9567% | 299 |
| Loan loss allowance to noncurrent loans | 56.2963% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 8.5592% | 277 |
| Noncurrent loans to loans | 7.0283% | 417 |
| Net loans and leases to total assets | 69.5102% | 1,754 |
| Net loans and leases to deposits | 80.5758% | 2,009 |
| Net loans and leases to core deposits | 82.3660% | 2,527 |
| Total domestic deposits to total assets | 86.2668% | 3,377 |
| Equity capital to assets | 9.4167% | 4,979 |
| Core capital (leverage) ratio | 9.4134% | 4,219 |
| Tier 1 risk-based capital ratio | 12.0876% | 5,860 |
| Total risk-based capital ratio | 13.3687% | 5,790 |
| Memoranda: | ||
| Average total assets | $66,822,500 | 5,713 |
| Average earning assets | $57,708,000 | 5,805 |
| Average equity | $6,220,000 | 5,929 |
| Average total loans | $48,178,500 | 5,127 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2069% | 1,105 |
| Cost of funding earning assets | 1.2428% | 477 |
| Net interest margin | 3.9641% | 2,552 |
| Noninterest income to average assets | 0.4667% | 4,127 |
| Noninterest expense to average assets | 3.1227% | 2,864 |
| Loan and lease loss provision to assets | 0.3238% | 2,104 |
| Net operating income to assets | 0.3619% | 5,248 |
| Return on assets (ROA) | 0.3619% | 5,475 |
| Pretax return on assets | 0.3619% | 5,676 |
| Return on Equity (ROE) | 4.5298% | 4,910 |
| Retained earnings to average equity (ytd only) | 4.5298% | 3,036 |
| Net charge-offs to loans | 0.7637% | 1,536 |
| Credit loss provision to net charge-offs | 62.1410% | 4,389 |
| Earnings coverage of net charge-offs (x) | 1.3159% | 4,807 |
| Efficiency ratio | 81.9936% | 1,867 |
| Assets per employee ($millions) | 4.4863% | 2,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8894% | 310 |
| Loan loss allowance to noncurrent loans | 53.4699% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 8.9695% | 273 |
| Noncurrent loans to loans | 7.2739% | 428 |
| Net loans and leases to total assets | 69.0348% | 2,027 |
| Net loans and leases to deposits | 79.7340% | 2,324 |
| Net loans and leases to core deposits | 82.4188% | 2,723 |
| Total domestic deposits to total assets | 86.5815% | 3,051 |
| Equity capital to assets | 9.2013% | 5,264 |
| Core capital (leverage) ratio | 8.8032% | 5,175 |
| Tier 1 risk-based capital ratio | 11.6453% | 6,003 |
| Total risk-based capital ratio | 12.9229% | 5,939 |
| Memoranda: | ||
| Average total assets | $73,495,000 | 5,533 |
| Average earning assets | $61,956,800 | 5,671 |
| Average equity | $5,872,200 | 6,057 |
| Average total loans | $50,153,600 | 5,099 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1574% | 1,279 |
| Cost of funding earning assets | 1.2703% | 501 |
| Net interest margin | 3.8871% | 2,961 |
| Noninterest income to average assets | 0.4673% | 4,161 |
| Noninterest expense to average assets | 3.0665% | 2,992 |
| Loan and lease loss provision to assets | 0.3234% | 2,034 |
| Net operating income to assets | 0.3447% | 5,454 |
| Return on assets (ROA) | 0.3447% | 5,658 |
| Pretax return on assets | 0.3447% | 5,861 |
| Return on Equity (ROE) | 4.4656% | 5,056 |
| Retained earnings to average equity (ytd only) | 4.4656% | 3,753 |
| Net charge-offs to loans | 0.9932% | 1,071 |
| Credit loss provision to net charge-offs | 48.2759% | 4,442 |
| Earnings coverage of net charge-offs (x) | 0.9974% | 4,821 |
| Efficiency ratio | 82.1123% | 1,796 |
| Assets per employee ($millions) | 4.5787% | 2,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6103% | 423 |
| Loan loss allowance to noncurrent loans | 46.9592% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 8.8904% | 308 |
| Noncurrent loans to loans | 7.6882% | 428 |
| Net loans and leases to total assets | 66.6921% | 2,522 |
| Net loans and leases to deposits | 77.8180% | 2,690 |
| Net loans and leases to core deposits | 80.4750% | 3,143 |
| Total domestic deposits to total assets | 85.7028% | 3,411 |
| Equity capital to assets | 8.1505% | 6,518 |
| Core capital (leverage) ratio | 8.1796% | 6,166 |
| Tier 1 risk-based capital ratio | 10.7425% | 6,590 |
| Total risk-based capital ratio | 12.0187% | 6,556 |
| Memoranda: | ||
| Average total assets | $75,045,000 | 5,545 |
| Average earning assets | $63,078,750 | 5,696 |
| Average equity | $5,792,250 | 6,148 |
| Average total loans | $50,607,750 | 5,144 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1197% | 1,457 |
| Cost of funding earning assets | 1.3201% | 476 |
| Net interest margin | 3.7996% | 3,368 |
| Noninterest income to average assets | 0.4574% | 4,234 |
| Noninterest expense to average assets | 3.0063% | 3,235 |
| Loan and lease loss provision to assets | 0.3279% | 2,008 |
| Net operating income to assets | 0.3120% | 5,577 |
| Return on assets (ROA) | 0.3120% | 5,782 |
| Pretax return on assets | 0.3120% | 5,943 |
| Return on Equity (ROE) | 4.1168% | 5,212 |
| Retained earnings to average equity (ytd only) | 4.1168% | 3,867 |
| Net charge-offs to loans | 1.5381% | 635 |
| Credit loss provision to net charge-offs | 31.8766% | 4,410 |
| Earnings coverage of net charge-offs (x) | 0.6221% | 4,754 |
| Efficiency ratio | 82.4511% | 1,823 |
| Assets per employee ($millions) | 4.9625% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5023% | 496 |
| Loan loss allowance to noncurrent loans | 52.7578% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 8.3801% | 400 |
| Noncurrent loans to loans | 6.6384% | 615 |
| Net loans and leases to total assets | 65.1455% | 2,822 |
| Net loans and leases to deposits | 75.6179% | 3,040 |
| Net loans and leases to core deposits | 78.4575% | 3,453 |
| Total domestic deposits to total assets | 86.1509% | 3,283 |
| Equity capital to assets | 7.8293% | 6,663 |
| Core capital (leverage) ratio | 7.9197% | 6,349 |
| Tier 1 risk-based capital ratio | 10.6454% | 6,643 |
| Total risk-based capital ratio | 11.9194% | 6,614 |
| Memoranda: | ||
| Average total assets | $75,640,330 | 5,555 |
| Average earning assets | $63,480,330 | 5,721 |
| Average equity | $5,732,670 | 6,187 |
| Average total loans | $50,581,000 | 5,173 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1393% | 1,463 |
| Cost of funding earning assets | 1.3993% | 429 |
| Net interest margin | 3.7400% | 3,632 |
| Noninterest income to average assets | 0.4197% | 4,518 |
| Noninterest expense to average assets | 3.0062% | 3,219 |
| Loan and lease loss provision to assets | 0.3200% | 1,962 |
| Net operating income to assets | 0.2204% | 5,921 |
| Return on assets (ROA) | 0.2204% | 6,063 |
| Pretax return on assets | 0.2204% | 6,156 |
| Return on Equity (ROE) | 2.9551% | 5,730 |
| Retained earnings to average equity (ytd only) | 2.9551% | 4,774 |
| Net charge-offs to loans | 0.2049% | 2,896 |
| Credit loss provision to net charge-offs | 234.6154% | 1,204 |
| Earnings coverage of net charge-offs (x) | 3.9615% | 2,706 |
| Efficiency ratio | 84.7633% | 1,604 |
| Assets per employee ($millions) | 5.4125% | 1,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0451% | 356 |
| Loan loss allowance to noncurrent loans | 38.8240% | 5,686 |
| Noncurrent assets plus other real estate owned to assets | 10.9574% | 248 |
| Noncurrent loans to loans | 10.4190% | 276 |
| Net loans and leases to total assets | 64.4883% | 2,766 |
| Net loans and leases to deposits | 74.5170% | 3,043 |
| Net loans and leases to core deposits | 77.2475% | 3,431 |
| Total domestic deposits to total assets | 86.5417% | 3,218 |
| Equity capital to assets | 7.5500% | 6,758 |
| Core capital (leverage) ratio | 7.5631% | 6,589 |
| Tier 1 risk-based capital ratio | 10.2056% | 6,827 |
| Total risk-based capital ratio | 11.4853% | 6,818 |
| Memoranda: | ||
| Average total assets | $76,241,500 | 5,586 |
| Average earning assets | $63,744,000 | 5,761 |
| Average equity | $5,685,000 | 6,231 |
| Average total loans | $50,745,000 | 5,195 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7847% | 664 |
| Cost of funding earning assets | 1.6947% | 328 |
| Net interest margin | 4.0899% | 2,469 |
| Noninterest income to average assets | 0.2642% | 5,638 |
| Noninterest expense to average assets | 2.8936% | 3,982 |
| Loan and lease loss provision to assets | 0.3178% | 3,138 |
| Net operating income to assets | 0.4659% | 4,561 |
| Return on assets (ROA) | 0.4659% | 4,765 |
| Pretax return on assets | 0.4659% | 5,088 |
| Return on Equity (ROE) | 6.6453% | 3,566 |
| Retained earnings to average equity (ytd only) | 6.6453% | 1,672 |
| Net charge-offs to loans | 1.4886% | 1,079 |
| Credit loss provision to net charge-offs | 30.9701% | 5,770 |
| Earnings coverage of net charge-offs (x) | 0.7637% | 5,227 |
| Efficiency ratio | 78.6880% | 2,500 |
| Assets per employee ($millions) | 5.4791% | 1,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0048% | 383 |
| Loan loss allowance to noncurrent loans | 42.1963% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 11.1605% | 258 |
| Noncurrent loans to loans | 9.4909% | 353 |
| Net loans and leases to total assets | 63.2776% | 3,335 |
| Net loans and leases to deposits | 72.8890% | 3,682 |
| Net loans and leases to core deposits | 75.6389% | 4,030 |
| Total domestic deposits to total assets | 86.8136% | 2,863 |
| Equity capital to assets | 7.3643% | 6,864 |
| Core capital (leverage) ratio | 7.5242% | 6,636 |
| Tier 1 risk-based capital ratio | 9.7778% | 6,907 |
| Total risk-based capital ratio | 11.0559% | 6,891 |
| Memoranda: | ||
| Average total assets | $78,345,400 | 5,492 |
| Average earning assets | $65,379,800 | 5,690 |
| Average equity | $5,492,600 | 6,297 |
| Average total loans | $54,010,600 | 5,113 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7609% | 758 |
| Cost of funding earning assets | 1.7368% | 340 |
| Net interest margin | 4.0241% | 2,808 |
| Noninterest income to average assets | 0.2827% | 5,583 |
| Noninterest expense to average assets | 2.7714% | 4,458 |
| Loan and lease loss provision to assets | 0.3166% | 3,000 |
| Net operating income to assets | 0.5604% | 4,272 |
| Return on assets (ROA) | 0.5604% | 4,442 |
| Pretax return on assets | 0.5604% | 4,933 |
| Return on Equity (ROE) | 8.0924% | 3,004 |
| Retained earnings to average equity (ytd only) | 8.0924% | 1,478 |
| Net charge-offs to loans | 1.7155% | 808 |
| Credit loss provision to net charge-offs | 26.4873% | 5,468 |
| Earnings coverage of net charge-offs (x) | 0.7337% | 5,062 |
| Efficiency ratio | 75.9629% | 2,844 |
| Assets per employee ($millions) | 5.0979% | 2,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9438% | 409 |
| Loan loss allowance to noncurrent loans | 42.1559% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 11.3943% | 258 |
| Noncurrent loans to loans | 9.3553% | 403 |
| Net loans and leases to total assets | 65.6458% | 2,976 |
| Net loans and leases to deposits | 76.5085% | 3,247 |
| Net loans and leases to core deposits | 78.6679% | 3,805 |
| Total domestic deposits to total assets | 85.8019% | 3,326 |
| Equity capital to assets | 7.3403% | 6,973 |
| Core capital (leverage) ratio | 7.3852% | 6,817 |
| Tier 1 risk-based capital ratio | 9.5656% | 7,044 |
| Total risk-based capital ratio | 10.8442% | 7,039 |
| Memoranda: | ||
| Average total assets | $78,754,750 | 5,532 |
| Average earning assets | $65,868,000 | 5,718 |
| Average equity | $5,453,500 | 6,353 |
| Average total loans | $54,872,250 | 5,123 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6976% | 876 |
| Cost of funding earning assets | 1.7980% | 312 |
| Net interest margin | 3.8997% | 3,305 |
| Noninterest income to average assets | 0.3094% | 5,416 |
| Noninterest expense to average assets | 2.7189% | 4,742 |
| Loan and lease loss provision to assets | 0.3194% | 2,875 |
| Net operating income to assets | 0.5332% | 4,362 |
| Return on assets (ROA) | 0.5332% | 4,508 |
| Pretax return on assets | 0.5332% | 4,958 |
| Return on Equity (ROE) | 7.8514% | 3,014 |
| Retained earnings to average equity (ytd only) | 7.8514% | 1,511 |
| Net charge-offs to loans | 1.5428% | 955 |
| Credit loss provision to net charge-offs | 29.5349% | 5,001 |
| Earnings coverage of net charge-offs (x) | 0.7884% | 4,708 |
| Efficiency ratio | 76.1268% | 2,992 |
| Assets per employee ($millions) | 5.5603% | 1,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1603% | 370 |
| Loan loss allowance to noncurrent loans | 38.8302% | 5,725 |
| Noncurrent assets plus other real estate owned to assets | 12.4531% | 234 |
| Noncurrent loans to loans | 10.7140% | 338 |
| Net loans and leases to total assets | 67.3848% | 2,741 |
| Net loans and leases to deposits | 78.1709% | 3,096 |
| Net loans and leases to core deposits | 80.6429% | 3,696 |
| Total domestic deposits to total assets | 86.2019% | 3,217 |
| Equity capital to assets | 7.0564% | 7,085 |
| Core capital (leverage) ratio | 6.9741% | 7,004 |
| Tier 1 risk-based capital ratio | 9.1494% | 7,158 |
| Total risk-based capital ratio | 10.4310% | 7,155 |
| Memoranda: | ||
| Average total assets | $79,517,000 | 5,565 |
| Average earning assets | $66,518,670 | 5,740 |
| Average equity | $5,400,330 | 6,407 |
| Average total loans | $55,743,330 | 5,138 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6596% | 957 |
| Cost of funding earning assets | 1.8429% | 323 |
| Net interest margin | 3.8166% | 3,527 |
| Noninterest income to average assets | 0.4829% | 4,021 |
| Noninterest expense to average assets | 2.7080% | 4,808 |
| Loan and lease loss provision to assets | 0.3335% | 2,561 |
| Net operating income to assets | 0.6372% | 3,821 |
| Return on assets (ROA) | 0.6372% | 3,891 |
| Pretax return on assets | 0.6372% | 4,548 |
| Return on Equity (ROE) | 9.5629% | 2,261 |
| Retained earnings to average equity (ytd only) | 9.5629% | 1,223 |
| Net charge-offs to loans | 3.2854% | 314 |
| Credit loss provision to net charge-offs | 14.5022% | 4,336 |
| Earnings coverage of net charge-offs (x) | 0.4221% | 4,308 |
| Efficiency ratio | 73.6130% | 3,590 |
| Assets per employee ($millions) | 5.7406% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9161% | 442 |
| Loan loss allowance to noncurrent loans | 40.1728% | 5,606 |
| Noncurrent assets plus other real estate owned to assets | 11.2892% | 317 |
| Noncurrent loans to loans | 9.7480% | 420 |
| Net loans and leases to total assets | 66.7061% | 2,831 |
| Net loans and leases to deposits | 76.9820% | 3,258 |
| Net loans and leases to core deposits | 79.5900% | 3,810 |
| Total domestic deposits to total assets | 86.6516% | 3,149 |
| Equity capital to assets | 6.7327% | 7,154 |
| Core capital (leverage) ratio | 6.7277% | 7,105 |
| Tier 1 risk-based capital ratio | 8.8592% | 7,233 |
| Total risk-based capital ratio | 10.1377% | 7,237 |
| Memoranda: | ||
| Average total assets | $80,353,500 | 5,585 |
| Average earning assets | $67,284,500 | 5,754 |
| Average equity | $5,354,000 | 6,434 |
| Average total loans | $56,249,000 | 5,163 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7628% | 1,372 |
| Cost of funding earning assets | 2.1466% | 365 |
| Net interest margin | 3.6161% | 4,739 |
| Noninterest income to average assets | -0.1231% | 7,411 |
| Noninterest expense to average assets | 2.8508% | 4,401 |
| Loan and lease loss provision to assets | 5.4244% | 60 |
| Net operating income to assets | -5.1908% | 7,547 |
| Return on assets (ROA) | -5.1908% | 7,555 |
| Pretax return on assets | -5.1908% | 7,548 |
| Return on Equity (ROE) | -53.6734% | 7,440 |
| Retained earnings to average equity (ytd only) | -53.6734% | 7,438 |
| Net charge-offs to loans | 5.9530% | 97 |
| Credit loss provision to net charge-offs | 123.2680% | 3,372 |
| Earnings coverage of net charge-offs (x) | 0.0531% | 6,063 |
| Efficiency ratio | 92.4282% | 1,154 |
| Assets per employee ($millions) | 5.7384% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5501% | 263 |
| Loan loss allowance to noncurrent loans | 59.9303% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 11.5201% | 309 |
| Noncurrent loans to loans | 7.5923% | 708 |
| Net loans and leases to total assets | 67.3679% | 3,133 |
| Net loans and leases to deposits | 78.0418% | 3,504 |
| Net loans and leases to core deposits | 81.2923% | 4,010 |
| Total domestic deposits to total assets | 86.3228% | 3,188 |
| Equity capital to assets | 6.5934% | 7,238 |
| Core capital (leverage) ratio | 6.1209% | 7,276 |
| Tier 1 risk-based capital ratio | 8.3331% | 7,327 |
| Total risk-based capital ratio | 9.6185% | 7,330 |
| Memoranda: | ||
| Average total assets | $86,922,400 | 5,383 |
| Average earning assets | $77,098,600 | 5,443 |
| Average equity | $8,406,400 | 5,586 |
| Average total loans | $64,253,600 | 4,901 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8362% | 1,292 |
| Cost of funding earning assets | 2.1823% | 399 |
| Net interest margin | 3.6539% | 4,615 |
| Noninterest income to average assets | -0.0241% | 7,477 |
| Noninterest expense to average assets | 2.8015% | 4,483 |
| Loan and lease loss provision to assets | 2.5787% | 395 |
| Net operating income to assets | -2.1151% | 7,264 |
| Return on assets (ROA) | -2.1151% | 7,281 |
| Pretax return on assets | -2.1151% | 7,226 |
| Return on Equity (ROE) | -20.3979% | 7,229 |
| Retained earnings to average equity (ytd only) | -20.3979% | 7,213 |
| Net charge-offs to loans | 3.0499% | 498 |
| Credit loss provision to net charge-offs | 113.2188% | 3,706 |
| Earnings coverage of net charge-offs (x) | 0.2036% | 5,808 |
| Efficiency ratio | 85.7999% | 1,654 |
| Assets per employee ($millions) | 6.3006% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0077% | 816 |
| Loan loss allowance to noncurrent loans | 22.3722% | 6,794 |
| Noncurrent assets plus other real estate owned to assets | 13.2447% | 217 |
| Noncurrent loans to loans | 13.4439% | 211 |
| Net loans and leases to total assets | 69.0961% | 2,960 |
| Net loans and leases to deposits | 82.2668% | 3,053 |
| Net loans and leases to core deposits | 85.7664% | 3,693 |
| Total domestic deposits to total assets | 83.9903% | 4,134 |
| Equity capital to assets | 9.5625% | 4,751 |
| Core capital (leverage) ratio | 9.5533% | 3,824 |
| Tier 1 risk-based capital ratio | 12.2899% | 5,192 |
| Total risk-based capital ratio | 13.5585% | 5,147 |
| Memoranda: | ||
| Average total assets | $88,568,500 | 5,394 |
| Average earning assets | $79,730,750 | 5,420 |
| Average equity | $9,183,750 | 5,435 |
| Average total loans | $66,141,500 | 4,896 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8336% | 1,337 |
| Cost of funding earning assets | 2.2891% | 352 |
| Net interest margin | 3.5445% | 5,069 |
| Noninterest income to average assets | 0.3270% | 5,536 |
| Noninterest expense to average assets | 2.8504% | 4,263 |
| Loan and lease loss provision to assets | 2.4039% | 480 |
| Net operating income to assets | -1.7184% | 7,227 |
| Return on assets (ROA) | -1.7184% | 7,237 |
| Pretax return on assets | -1.7184% | 7,154 |
| Return on Equity (ROE) | -16.1555% | 7,179 |
| Retained earnings to average equity (ytd only) | -16.1555% | 7,142 |
| Net charge-offs to loans | 1.9809% | 925 |
| Credit loss provision to net charge-offs | 160.0601% | 2,457 |
| Earnings coverage of net charge-offs (x) | 0.4565% | 5,256 |
| Efficiency ratio | 80.6122% | 2,355 |
| Assets per employee ($millions) | 6.1482% | 1,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2344% | 679 |
| Loan loss allowance to noncurrent loans | 29.7721% | 6,382 |
| Noncurrent assets plus other real estate owned to assets | 12.1464% | 261 |
| Noncurrent loans to loans | 10.8638% | 373 |
| Net loans and leases to total assets | 72.6436% | 2,243 |
| Net loans and leases to deposits | 87.6602% | 2,236 |
| Net loans and leases to core deposits | 96.4298% | 2,400 |
| Total domestic deposits to total assets | 82.8696% | 4,625 |
| Equity capital to assets | 10.5327% | 3,370 |
| Core capital (leverage) ratio | 10.0972% | 3,069 |
| Tier 1 risk-based capital ratio | 12.9952% | 4,447 |
| Total risk-based capital ratio | 14.2674% | 4,375 |
| Memoranda: | ||
| Average total assets | $88,688,330 | 5,429 |
| Average earning assets | $80,293,330 | 5,426 |
| Average equity | $9,433,330 | 5,362 |
| Average total loans | $67,242,330 | 4,890 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8868% | 1,230 |
| Cost of funding earning assets | 2.3090% | 424 |
| Net interest margin | 3.5778% | 4,822 |
| Noninterest income to average assets | 0.1467% | 6,925 |
| Noninterest expense to average assets | 2.7290% | 4,767 |
| Loan and lease loss provision to assets | 0.8889% | 1,428 |
| Net operating income to assets | -0.2000% | 6,543 |
| Return on assets (ROA) | -0.2000% | 6,614 |
| Pretax return on assets | -0.2000% | 6,558 |
| Return on Equity (ROE) | -1.8717% | 6,622 |
| Retained earnings to average equity (ytd only) | -1.8717% | 6,192 |
| Net charge-offs to loans | 0.7877% | 1,949 |
| Credit loss provision to net charge-offs | 148.1481% | 2,406 |
| Earnings coverage of net charge-offs (x) | 1.1481% | 4,079 |
| Efficiency ratio | 79.8440% | 2,588 |
| Assets per employee ($millions) | 5.9250% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5827% | 1,200 |
| Loan loss allowance to noncurrent loans | 26.4029% | 6,637 |
| Noncurrent assets plus other real estate owned to assets | 9.3435% | 454 |
| Noncurrent loans to loans | 9.7819% | 436 |
| Net loans and leases to total assets | 74.4833% | 1,862 |
| Net loans and leases to deposits | 90.2395% | 1,870 |
| Net loans and leases to core deposits | 105.1380% | 1,646 |
| Total domestic deposits to total assets | 82.5395% | 4,833 |
| Equity capital to assets | 10.9885% | 2,772 |
| Core capital (leverage) ratio | 10.7245% | 2,436 |
| Tier 1 risk-based capital ratio | 13.7519% | 3,836 |
| Total risk-based capital ratio | 15.0177% | 3,774 |
| Memoranda: | ||
| Average total assets | $89,995,000 | 5,454 |
| Average earning assets | $82,285,500 | 5,429 |
| Average equity | $9,617,000 | 5,342 |
| Average total loans | $68,554,500 | 4,911 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3874% | 855 |
| Cost of funding earning assets | 3.1772% | 137 |
| Net interest margin | 3.2101% | 6,053 |
| Noninterest income to average assets | 0.1975% | 6,682 |
| Noninterest expense to average assets | 2.7886% | 5,021 |
| Loan and lease loss provision to assets | 2.1465% | 981 |
| Net operating income to assets | -1.7882% | 7,008 |
| Return on assets (ROA) | -1.7882% | 7,005 |
| Pretax return on assets | -1.7882% | 6,855 |
| Return on Equity (ROE) | -18.0773% | 7,082 |
| Retained earnings to average equity (ytd only) | -18.0773% | 7,038 |
| Net charge-offs to loans | 2.2052% | 1,081 |
| Credit loss provision to net charge-offs | 126.1256% | 4,134 |
| Earnings coverage of net charge-offs (x) | 0.2105% | 5,923 |
| Efficiency ratio | 88.6145% | 1,828 |
| Assets per employee ($millions) | 5.6947% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4437% | 1,300 |
| Loan loss allowance to noncurrent loans | 31.1923% | 6,392 |
| Noncurrent assets plus other real estate owned to assets | 6.9363% | 731 |
| Noncurrent loans to loans | 7.8343% | 655 |
| Net loans and leases to total assets | 74.0460% | 2,264 |
| Net loans and leases to deposits | 91.3172% | 1,997 |
| Net loans and leases to core deposits | 103.5993% | 3,609 |
| Total domestic deposits to total assets | 81.0865% | 5,315 |
| Equity capital to assets | 10.3913% | 3,295 |
| Core capital (leverage) ratio | 10.0875% | 3,008 |
| Tier 1 risk-based capital ratio | 12.9357% | 4,184 |
| Total risk-based capital ratio | 14.1988% | 4,126 |
| Memoranda: | ||
| Average total assets | $92,661,600 | 5,315 |
| Average earning assets | $85,136,600 | 5,295 |
| Average equity | $9,166,200 | 5,557 |
| Average total loans | $71,511,800 | 4,814 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4476% | 840 |
| Cost of funding earning assets | 3.2924% | 146 |
| Net interest margin | 3.1552% | 6,158 |
| Noninterest income to average assets | 0.1505% | 7,107 |
| Noninterest expense to average assets | 2.7440% | 5,128 |
| Loan and lease loss provision to assets | 1.8399% | 1,007 |
| Net operating income to assets | -1.5346% | 7,132 |
| Return on assets (ROA) | -1.5346% | 7,131 |
| Pretax return on assets | -1.5346% | 6,984 |
| Return on Equity (ROE) | -15.7078% | 7,221 |
| Retained earnings to average equity (ytd only) | -15.7078% | 7,172 |
| Net charge-offs to loans | 2.0748% | 940 |
| Credit loss provision to net charge-offs | 114.4385% | 4,437 |
| Earnings coverage of net charge-offs (x) | 0.1898% | 5,833 |
| Efficiency ratio | 89.9906% | 1,689 |
| Assets per employee ($millions) | 6.1088% | 1,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0108% | 1,773 |
| Loan loss allowance to noncurrent loans | 40.9556% | 5,602 |
| Noncurrent assets plus other real estate owned to assets | 4.9683% | 1,183 |
| Noncurrent loans to loans | 4.9098% | 1,370 |
| Net loans and leases to total assets | 71.7946% | 3,085 |
| Net loans and leases to deposits | 84.5792% | 3,555 |
| Net loans and leases to core deposits | 114.2122% | 2,809 |
| Total domestic deposits to total assets | 84.8844% | 3,294 |
| Equity capital to assets | 8.7692% | 5,851 |
| Core capital (leverage) ratio | 8.9470% | 4,735 |
| Tier 1 risk-based capital ratio | 10.4466% | 6,529 |
| Total risk-based capital ratio | 11.7027% | 6,469 |
| Memoranda: | ||
| Average total assets | $93,048,250 | 5,334 |
| Average earning assets | $85,487,500 | 5,317 |
| Average equity | $9,090,750 | 5,633 |
| Average total loans | $72,100,500 | 4,841 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5777% | 687 |
| Cost of funding earning assets | 3.3281% | 187 |
| Net interest margin | 3.2496% | 5,740 |
| Noninterest income to average assets | 0.1246% | 7,354 |
| Noninterest expense to average assets | 2.7786% | 5,051 |
| Loan and lease loss provision to assets | 2.5097% | 623 |
| Net operating income to assets | -2.1796% | 7,471 |
| Return on assets (ROA) | -2.1796% | 7,468 |
| Pretax return on assets | -2.1796% | 7,337 |
| Return on Equity (ROE) | -21.5242% | 7,545 |
| Retained earnings to average equity (ytd only) | -21.5242% | 7,499 |
| Net charge-offs to loans | 1.0683% | 1,689 |
| Credit loss provision to net charge-offs | 297.4093% | 1,573 |
| Earnings coverage of net charge-offs (x) | 0.3912% | 5,294 |
| Efficiency ratio | 89.3812% | 1,874 |
| Assets per employee ($millions) | 5.8858% | 1,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8066% | 678 |
| Loan loss allowance to noncurrent loans | 39.0057% | 5,802 |
| Noncurrent assets plus other real estate owned to assets | 6.1377% | 782 |
| Noncurrent loans to loans | 7.1954% | 667 |
| Net loans and leases to total assets | 75.0170% | 2,429 |
| Net loans and leases to deposits | 88.9948% | 2,991 |
| Net loans and leases to core deposits | 126.1743% | 1,853 |
| Total domestic deposits to total assets | 84.2936% | 3,597 |
| Equity capital to assets | 9.1460% | 5,103 |
| Core capital (leverage) ratio | 9.2392% | 4,254 |
| Tier 1 risk-based capital ratio | 10.5940% | 6,303 |
| Total risk-based capital ratio | 11.8603% | 6,217 |
| Memoranda: | ||
| Average total assets | $91,484,330 | 5,423 |
| Average earning assets | $84,011,000 | 5,416 |
| Average equity | $9,264,000 | 5,592 |
| Average total loans | $72,263,330 | 4,876 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8183% | 469 |
| Cost of funding earning assets | 3.3561% | 230 |
| Net interest margin | 3.4622% | 4,887 |
| Noninterest income to average assets | 0.1065% | 7,502 |
| Noninterest expense to average assets | 2.5161% | 5,780 |
| Loan and lease loss provision to assets | 0.6656% | 1,902 |
| Net operating income to assets | 0.1109% | 5,950 |
| Return on assets (ROA) | 0.1109% | 6,110 |
| Pretax return on assets | 0.1109% | 6,139 |
| Return on Equity (ROE) | 1.0428% | 6,113 |
| Retained earnings to average equity (ytd only) | 1.0428% | 5,228 |
| Net charge-offs to loans | 0.0444% | 4,856 |
| Credit loss provision to net charge-offs | 1,875.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 21.8750% | 1,323 |
| Efficiency ratio | 76.4151% | 3,421 |
| Assets per employee ($millions) | 5.6606% | 1,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9477% | 1,531 |
| Loan loss allowance to noncurrent loans | 34.9066% | 6,224 |
| Noncurrent assets plus other real estate owned to assets | 4.4916% | 1,075 |
| Noncurrent loans to loans | 5.5798% | 910 |
| Net loans and leases to total assets | 78.9299% | 1,599 |
| Net loans and leases to deposits | 95.5900% | 2,013 |
| Net loans and leases to core deposits | 135.9566% | 1,310 |
| Total domestic deposits to total assets | 82.5713% | 4,343 |
| Equity capital to assets | 10.6118% | 3,359 |
| Core capital (leverage) ratio | 10.4942% | 2,937 |
| Tier 1 risk-based capital ratio | 12.0051% | 4,964 |
| Total risk-based capital ratio | 13.2616% | 4,838 |
| Memoranda: | ||
| Average total assets | $90,140,500 | 5,478 |
| Average earning assets | $82,953,500 | 5,460 |
| Average equity | $9,589,500 | 5,511 |
| Average total loans | $72,052,500 | 4,905 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9081% | 218 |
| Cost of funding earning assets | 3.5089% | 501 |
| Net interest margin | 4.3992% | 1,686 |
| Noninterest income to average assets | 0.0472% | 7,905 |
| Noninterest expense to average assets | 2.9213% | 4,374 |
| Loan and lease loss provision to assets | 1.0811% | 1,346 |
| Net operating income to assets | 0.0083% | 6,344 |
| Return on assets (ROA) | 0.0083% | 6,205 |
| Pretax return on assets | 0.0083% | 6,140 |
| Return on Equity (ROE) | 0.0634% | 6,211 |
| Retained earnings to average equity (ytd only) | 0.0634% | 5,200 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8374% | 3,783 |
| Assets per employee ($millions) | 5.6070% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7950% | 1,646 |
| Loan loss allowance to noncurrent loans | 74.8244% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 1.9039% | 2,577 |
| Noncurrent loans to loans | 2.3989% | 2,291 |
| Net loans and leases to total assets | 77.9394% | 2,160 |
| Net loans and leases to deposits | 92.4881% | 3,057 |
| Net loans and leases to core deposits | 121.5447% | 2,551 |
| Total domestic deposits to total assets | 84.2697% | 3,192 |
| Equity capital to assets | 10.6652% | 3,325 |
| Core capital (leverage) ratio | 10.8114% | 2,737 |
| Tier 1 risk-based capital ratio | 11.9174% | 4,893 |
| Total risk-based capital ratio | 13.1722% | 4,777 |
| Memoranda: | ||
| Average total assets | $72,057,200 | 5,966 |
| Average earning assets | $64,920,400 | 5,994 |
| Average equity | $9,469,000 | 5,579 |
| Average total loans | $57,123,600 | 5,403 |