Home > Tri-Valley Bank > Performance and Condition Ratios
Tri-Valley Bank, Performance and Condition Ratios
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3251% | 2,436 |
| Cost of funding earning assets | 0.4454% | 3,238 |
| Net interest margin | 3.8797% | 2,122 |
| Noninterest income to average assets | 0.0865% | 5,376 |
| Noninterest expense to average assets | 3.2536% | 1,444 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2650% | 5,151 |
| Return on assets (ROA) | 0.2650% | 5,151 |
| Pretax return on assets | 0.4841% | 4,896 |
| Return on Equity (ROE) | 2.0952% | 5,168 |
| Retained earnings to average equity (ytd only) | 2.0952% | 4,325 |
| Net charge-offs to loans | -0.0381% | 4,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0478% | 583 |
| Assets per employee ($millions) | 7.9085% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5483% | 1,290 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9157% | 1,729 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 83.3205% | 508 |
| Net loans and leases to deposits | 95.2583% | 1,101 |
| Net loans and leases to core deposits | 127.2205% | 393 |
| Total domestic deposits to total assets | 87.4679% | 1,912 |
| Equity capital to assets | 12.4403% | 1,515 |
| Core capital (leverage) ratio | 9.8556% | 3,703 |
| Tier 1 risk-based capital ratio | 11.4017% | 4,919 |
| Total risk-based capital ratio | 12.6558% | 4,817 |
| Memoranda: | ||
| Average total assets | $147,897,500 | 3,493 |
| Average earning assets | $139,187,500 | 3,462 |
| Average equity | $18,709,000 | 3,285 |
| Average total loans | $125,878,500 | 2,991 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3931% | 2,046 |
| Cost of funding earning assets | 0.3489% | 3,729 |
| Net interest margin | 4.0442% | 1,605 |
| Noninterest income to average assets | -0.0456% | 5,639 |
| Noninterest expense to average assets | 3.0530% | 1,999 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3520% | 1,113 |
| Return on assets (ROA) | 1.3520% | 1,134 |
| Pretax return on assets | 0.6953% | 4,520 |
| Return on Equity (ROE) | 10.4160% | 1,711 |
| Retained earnings to average equity (ytd only) | 10.4160% | 297 |
| Net charge-offs to loans | -0.3054% | 5,569 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4510% | 972 |
| Assets per employee ($millions) | 7.6596% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5708% | 1,210 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9455% | 1,643 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 84.2641% | 422 |
| Net loans and leases to deposits | 96.8359% | 1,010 |
| Net loans and leases to core deposits | 130.9765% | 317 |
| Total domestic deposits to total assets | 87.0174% | 1,990 |
| Equity capital to assets | 12.8665% | 1,328 |
| Core capital (leverage) ratio | 9.6528% | 3,863 |
| Tier 1 risk-based capital ratio | 11.4606% | 4,874 |
| Total risk-based capital ratio | 12.7241% | 4,762 |
| Memoranda: | ||
| Average total assets | $142,678,600 | 3,573 |
| Average earning assets | $133,845,600 | 3,546 |
| Average equity | $18,519,600 | 3,295 |
| Average total loans | $119,856,000 | 3,063 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2555% | 2,409 |
| Cost of funding earning assets | 0.3307% | 3,839 |
| Net interest margin | 3.9247% | 1,950 |
| Noninterest income to average assets | 0.0977% | 5,482 |
| Noninterest expense to average assets | 2.8814% | 2,469 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 3.4130% | 63 |
| Return on assets (ROA) | 3.4130% | 63 |
| Pretax return on assets | 0.8941% | 4,061 |
| Return on Equity (ROE) | 26.2353% | 57 |
| Retained earnings to average equity (ytd only) | 26.2353% | 22 |
| Net charge-offs to loans | -0.3977% | 5,639 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3184% | 1,539 |
| Assets per employee ($millions) | 7.7450% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5676% | 1,313 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0730% | 1,558 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 82.9928% | 545 |
| Net loans and leases to deposits | 96.4455% | 1,074 |
| Net loans and leases to core deposits | 130.4396% | 335 |
| Total domestic deposits to total assets | 86.0514% | 2,288 |
| Equity capital to assets | 13.8657% | 1,031 |
| Core capital (leverage) ratio | 9.8879% | 3,711 |
| Tier 1 risk-based capital ratio | 11.3600% | 5,042 |
| Total risk-based capital ratio | 12.6264% | 4,921 |
| Memoranda: | ||
| Average total assets | $141,965,000 | 3,618 |
| Average earning assets | $133,033,250 | 3,589 |
| Average equity | $18,468,250 | 3,333 |
| Average total loans | $118,672,750 | 3,100 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2332% | 2,348 |
| Cost of funding earning assets | 0.3066% | 4,022 |
| Net interest margin | 3.9266% | 1,847 |
| Noninterest income to average assets | 0.0998% | 5,514 |
| Noninterest expense to average assets | 2.9037% | 2,414 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 4.7107% | 47 |
| Return on assets (ROA) | 4.7107% | 46 |
| Pretax return on assets | 0.8857% | 3,975 |
| Return on Equity (ROE) | 37.0645% | 21 |
| Retained earnings to average equity (ytd only) | 37.0645% | 12 |
| Net charge-offs to loans | -0.5853% | 5,703 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6278% | 1,628 |
| Assets per employee ($millions) | 7.3857% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5945% | 1,267 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0690% | 1,634 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 80.7627% | 838 |
| Net loans and leases to deposits | 93.4893% | 1,312 |
| Net loans and leases to core deposits | 126.9982% | 364 |
| Total domestic deposits to total assets | 86.3871% | 2,199 |
| Equity capital to assets | 13.5432% | 1,128 |
| Core capital (leverage) ratio | 10.1481% | 3,337 |
| Tier 1 risk-based capital ratio | 11.4622% | 4,981 |
| Total risk-based capital ratio | 12.7298% | 4,863 |
| Memoranda: | ||
| Average total assets | $140,235,000 | 3,659 |
| Average earning assets | $131,768,330 | 3,624 |
| Average equity | $17,823,000 | 3,426 |
| Average total loans | $116,872,670 | 3,134 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4188% | 1,591 |
| Cost of funding earning assets | 0.2915% | 4,130 |
| Net interest margin | 4.1273% | 1,150 |
| Noninterest income to average assets | 0.0996% | 5,593 |
| Noninterest expense to average assets | 2.9744% | 2,229 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7004% | 3,700 |
| Return on assets (ROA) | 0.7004% | 3,740 |
| Pretax return on assets | 1.0257% | 3,258 |
| Return on Equity (ROE) | 5.7136% | 4,037 |
| Retained earnings to average equity (ytd only) | 5.7136% | 2,486 |
| Net charge-offs to loans | -1.1509% | 5,789 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3590% | 2,169 |
| Assets per employee ($millions) | 6.5899% | 1,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6163% | 1,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1410% | 1,548 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 84.4965% | 325 |
| Net loans and leases to deposits | 96.2673% | 915 |
| Net loans and leases to core deposits | 132.9902% | 225 |
| Total domestic deposits to total assets | 87.7728% | 1,844 |
| Equity capital to assets | 12.1759% | 1,721 |
| Core capital (leverage) ratio | 10.2380% | 3,209 |
| Tier 1 risk-based capital ratio | 11.5227% | 5,014 |
| Total risk-based capital ratio | 12.7850% | 4,913 |
| Memoranda: | ||
| Average total assets | $136,496,000 | 3,746 |
| Average earning assets | $128,993,500 | 3,686 |
| Average equity | $16,732,000 | 3,580 |
| Average total loans | $114,694,000 | 3,184 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8655% | 3,694 |
| Cost of funding earning assets | 0.2707% | 4,360 |
| Net interest margin | 3.5949% | 3,081 |
| Noninterest income to average assets | -0.0543% | 5,882 |
| Noninterest expense to average assets | 3.2042% | 1,779 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 3.0907% | 77 |
| Return on assets (ROA) | 3.0923% | 78 |
| Pretax return on assets | 0.2038% | 5,493 |
| Return on Equity (ROE) | 28.4695% | 51 |
| Retained earnings to average equity (ytd only) | 28.4695% | 19 |
| Net charge-offs to loans | -0.1103% | 5,617 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0638% | 377 |
| Assets per employee ($millions) | 6.7302% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 1,919 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1731% | 1,558 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 80.9359% | 748 |
| Net loans and leases to deposits | 92.4366% | 1,385 |
| Net loans and leases to core deposits | 124.7529% | 368 |
| Total domestic deposits to total assets | 87.5583% | 1,846 |
| Equity capital to assets | 12.3429% | 1,609 |
| Core capital (leverage) ratio | 10.3095% | 3,095 |
| Tier 1 risk-based capital ratio | 12.1887% | 4,587 |
| Total risk-based capital ratio | 13.4584% | 4,451 |
| Memoranda: | ||
| Average total assets | $125,115,800 | 3,905 |
| Average earning assets | $120,449,400 | 3,822 |
| Average equity | $13,590,000 | 4,009 |
| Average total loans | $102,454,400 | 3,344 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8189% | 3,874 |
| Cost of funding earning assets | 0.2705% | 4,386 |
| Net interest margin | 3.5484% | 3,279 |
| Noninterest income to average assets | 0.1141% | 5,664 |
| Noninterest expense to average assets | 3.3608% | 1,428 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1879% | 5,487 |
| Return on assets (ROA) | 0.1901% | 5,549 |
| Pretax return on assets | 0.1901% | 5,579 |
| Return on Equity (ROE) | 1.8181% | 5,507 |
| Retained earnings to average equity (ytd only) | 1.8181% | 4,774 |
| Net charge-offs to loans | -0.1248% | 5,650 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7046% | 361 |
| Assets per employee ($millions) | 6.7066% | 1,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4675% | 1,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3315% | 1,425 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 78.6911% | 1,084 |
| Net loans and leases to deposits | 87.1983% | 2,116 |
| Net loans and leases to core deposits | 111.5043% | 833 |
| Total domestic deposits to total assets | 90.2439% | 389 |
| Equity capital to assets | 9.6480% | 4,515 |
| Core capital (leverage) ratio | 10.2301% | 3,303 |
| Tier 1 risk-based capital ratio | 12.4338% | 4,518 |
| Total risk-based capital ratio | 13.6873% | 4,411 |
| Memoranda: | ||
| Average total assets | $122,743,750 | 3,970 |
| Average earning assets | $118,810,500 | 3,869 |
| Average equity | $12,834,000 | 4,151 |
| Average total loans | $100,434,500 | 3,388 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8922% | 3,632 |
| Cost of funding earning assets | 0.2694% | 4,445 |
| Net interest margin | 3.6228% | 3,005 |
| Noninterest income to average assets | 0.1194% | 5,712 |
| Noninterest expense to average assets | 3.2233% | 1,754 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4002% | 5,026 |
| Return on assets (ROA) | 0.4002% | 5,105 |
| Pretax return on assets | 0.4002% | 5,339 |
| Return on Equity (ROE) | 3.7192% | 5,013 |
| Retained earnings to average equity (ytd only) | 3.7192% | 3,526 |
| Net charge-offs to loans | -0.1650% | 5,771 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9559% | 659 |
| Assets per employee ($millions) | 5.7690% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5471% | 1,689 |
| Loan loss allowance to noncurrent loans | 38,975.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 1.4775% | 1,307 |
| Noncurrent loans to loans | 0.0040% | 5,500 |
| Net loans and leases to total assets | 81.8907% | 642 |
| Net loans and leases to deposits | 91.8228% | 1,535 |
| Net loans and leases to core deposits | 121.4561% | 478 |
| Total domestic deposits to total assets | 89.1835% | 826 |
| Equity capital to assets | 10.7117% | 3,385 |
| Core capital (leverage) ratio | 10.4627% | 3,013 |
| Tier 1 risk-based capital ratio | 13.0556% | 4,171 |
| Total risk-based capital ratio | 14.3091% | 4,086 |
| Memoranda: | ||
| Average total assets | $118,947,670 | 4,063 |
| Average earning assets | $115,050,000 | 3,961 |
| Average equity | $12,798,330 | 4,179 |
| Average total loans | $98,205,330 | 3,438 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8449% | 3,788 |
| Cost of funding earning assets | 0.2561% | 4,639 |
| Net interest margin | 3.5888% | 3,129 |
| Noninterest income to average assets | 0.1188% | 5,744 |
| Noninterest expense to average assets | 3.1872% | 1,869 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4039% | 4,984 |
| Return on assets (ROA) | 0.4039% | 5,061 |
| Pretax return on assets | 0.4039% | 5,303 |
| Return on Equity (ROE) | 3.7454% | 4,981 |
| Retained earnings to average equity (ytd only) | 3.7454% | 3,619 |
| Net charge-offs to loans | -0.0537% | 5,362 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7524% | 763 |
| Assets per employee ($millions) | 6.4599% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4968% | 2,002 |
| Loan loss allowance to noncurrent loans | 11,469.2308% | 80 |
| Noncurrent assets plus other real estate owned to assets | 1.4657% | 1,408 |
| Noncurrent loans to loans | 0.0131% | 5,469 |
| Net loans and leases to total assets | 79.9436% | 819 |
| Net loans and leases to deposits | 89.3187% | 1,658 |
| Net loans and leases to core deposits | 118.2164% | 519 |
| Total domestic deposits to total assets | 89.5037% | 832 |
| Equity capital to assets | 10.4107% | 3,599 |
| Core capital (leverage) ratio | 11.1033% | 2,308 |
| Tier 1 risk-based capital ratio | 13.2406% | 4,125 |
| Total risk-based capital ratio | 14.4939% | 4,052 |
| Memoranda: | ||
| Average total assets | $117,847,500 | 4,121 |
| Average earning assets | $114,021,500 | 4,007 |
| Average equity | $12,709,000 | 4,208 |
| Average total loans | $96,924,000 | 3,475 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8807% | 3,775 |
| Cost of funding earning assets | 0.2641% | 4,652 |
| Net interest margin | 3.6166% | 3,068 |
| Noninterest income to average assets | 0.1460% | 5,682 |
| Noninterest expense to average assets | 3.5688% | 1,179 |
| Loan and lease loss provision to assets | 0.0184% | 4,040 |
| Net operating income to assets | 0.0396% | 5,832 |
| Return on assets (ROA) | 0.0396% | 5,862 |
| Pretax return on assets | 0.0396% | 5,858 |
| Return on Equity (ROE) | 0.3813% | 5,856 |
| Retained earnings to average equity (ytd only) | 0.3813% | 5,363 |
| Net charge-offs to loans | -0.0346% | 5,449 |
| Credit loss provision to net charge-offs | -65.5172% | 5,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4009% | 327 |
| Assets per employee ($millions) | 6.2753% | 1,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5684% | 1,728 |
| Loan loss allowance to noncurrent loans | 6,718.1818% | 136 |
| Noncurrent assets plus other real estate owned to assets | 1.6006% | 1,236 |
| Noncurrent loans to loans | 0.0233% | 5,422 |
| Net loans and leases to total assets | 82.1178% | 585 |
| Net loans and leases to deposits | 92.5940% | 1,337 |
| Net loans and leases to core deposits | 119.6309% | 484 |
| Total domestic deposits to total assets | 88.6859% | 1,292 |
| Equity capital to assets | 11.1902% | 2,641 |
| Core capital (leverage) ratio | 11.8516% | 1,727 |
| Tier 1 risk-based capital ratio | 13.9446% | 3,739 |
| Total risk-based capital ratio | 15.1992% | 3,670 |
| Memoranda: | ||
| Average total assets | $103,453,000 | 4,396 |
| Average earning assets | $99,569,000 | 4,303 |
| Average equity | $10,753,800 | 4,531 |
| Average total loans | $83,870,200 | 3,726 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9318% | 3,623 |
| Cost of funding earning assets | 0.2675% | 4,690 |
| Net interest margin | 3.6642% | 2,912 |
| Noninterest income to average assets | 0.1504% | 5,736 |
| Noninterest expense to average assets | 3.6605% | 1,029 |
| Loan and lease loss provision to assets | 0.0251% | 3,765 |
| Net operating income to assets | -0.0119% | 5,948 |
| Return on assets (ROA) | -0.0119% | 5,980 |
| Pretax return on assets | -0.0119% | 5,976 |
| Return on Equity (ROE) | -0.1167% | 5,981 |
| Retained earnings to average equity (ytd only) | -0.1167% | 5,620 |
| Net charge-offs to loans | -0.0361% | 5,424 |
| Credit loss provision to net charge-offs | -86.3636% | 5,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6409% | 304 |
| Assets per employee ($millions) | 5.4236% | 1,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7753% | 1,312 |
| Loan loss allowance to noncurrent loans | 4,326.4706% | 182 |
| Noncurrent assets plus other real estate owned to assets | 1.7662% | 1,223 |
| Noncurrent loans to loans | 0.0410% | 5,451 |
| Net loans and leases to total assets | 78.9816% | 957 |
| Net loans and leases to deposits | 89.3923% | 1,728 |
| Net loans and leases to core deposits | 107.5749% | 1,002 |
| Total domestic deposits to total assets | 88.3540% | 1,375 |
| Equity capital to assets | 11.5102% | 2,501 |
| Core capital (leverage) ratio | 11.5139% | 2,023 |
| Tier 1 risk-based capital ratio | 14.9236% | 3,333 |
| Total risk-based capital ratio | 16.1810% | 3,280 |
| Memoranda: | ||
| Average total assets | $101,077,250 | 4,488 |
| Average earning assets | $97,189,250 | 4,401 |
| Average equity | $10,282,250 | 4,659 |
| Average total loans | $81,279,000 | 3,822 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9373% | 3,544 |
| Cost of funding earning assets | 0.2632% | 4,798 |
| Net interest margin | 3.6741% | 2,821 |
| Noninterest income to average assets | 0.1534% | 5,793 |
| Noninterest expense to average assets | 3.6726% | 1,024 |
| Loan and lease loss provision to assets | 0.0378% | 3,363 |
| Net operating income to assets | -0.0259% | 6,011 |
| Return on assets (ROA) | -0.0259% | 6,043 |
| Pretax return on assets | -0.0259% | 6,036 |
| Return on Equity (ROE) | -0.2665% | 6,045 |
| Retained earnings to average equity (ytd only) | -0.2665% | 5,557 |
| Net charge-offs to loans | -0.0322% | 5,360 |
| Credit loss provision to net charge-offs | -146.1538% | 4,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6757% | 330 |
| Assets per employee ($millions) | 5.7125% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7664% | 1,440 |
| Loan loss allowance to noncurrent loans | 3,655.0000% | 177 |
| Noncurrent assets plus other real estate owned to assets | 1.7758% | 1,307 |
| Noncurrent loans to loans | 0.0483% | 5,553 |
| Net loans and leases to total assets | 79.0693% | 926 |
| Net loans and leases to deposits | 88.1763% | 1,815 |
| Net loans and leases to core deposits | 106.7011% | 1,037 |
| Total domestic deposits to total assets | 89.6718% | 802 |
| Equity capital to assets | 10.1814% | 3,823 |
| Core capital (leverage) ratio | 10.2594% | 3,272 |
| Tier 1 risk-based capital ratio | 13.0763% | 4,475 |
| Total risk-based capital ratio | 14.3331% | 4,387 |
| Memoranda: | ||
| Average total assets | $100,420,330 | 4,543 |
| Average earning assets | $96,513,000 | 4,454 |
| Average equity | $9,756,000 | 4,794 |
| Average total loans | $80,752,000 | 3,855 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8336% | 3,879 |
| Cost of funding earning assets | 0.2600% | 4,903 |
| Net interest margin | 3.5736% | 3,110 |
| Noninterest income to average assets | 0.1532% | 5,823 |
| Noninterest expense to average assets | 3.7251% | 973 |
| Loan and lease loss provision to assets | 0.0766% | 2,420 |
| Net operating income to assets | -0.2137% | 6,151 |
| Return on assets (ROA) | -0.2137% | 6,172 |
| Pretax return on assets | -0.2137% | 6,162 |
| Return on Equity (ROE) | -2.2554% | 6,184 |
| Retained earnings to average equity (ytd only) | -2.2554% | 5,715 |
| Net charge-offs to loans | -0.0351% | 5,338 |
| Credit loss provision to net charge-offs | -271.4286% | 4,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8202% | 274 |
| Assets per employee ($millions) | 6.0658% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7470% | 1,616 |
| Loan loss allowance to noncurrent loans | 2,971.4286% | 219 |
| Noncurrent assets plus other real estate owned to assets | 1.7795% | 1,378 |
| Noncurrent loans to loans | 0.0588% | 5,542 |
| Net loans and leases to total assets | 79.4121% | 752 |
| Net loans and leases to deposits | 94.5633% | 931 |
| Net loans and leases to core deposits | 112.6629% | 622 |
| Total domestic deposits to total assets | 83.9777% | 3,827 |
| Equity capital to assets | 9.1186% | 5,173 |
| Core capital (leverage) ratio | 9.7170% | 3,994 |
| Tier 1 risk-based capital ratio | 11.7686% | 5,396 |
| Total risk-based capital ratio | 13.0261% | 5,289 |
| Memoranda: | ||
| Average total assets | $99,218,000 | 4,599 |
| Average earning assets | $95,366,500 | 4,523 |
| Average equity | $9,399,500 | 4,896 |
| Average total loans | $79,745,500 | 3,902 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7049% | 4,769 |
| Cost of funding earning assets | 0.2555% | 5,267 |
| Net interest margin | 3.4494% | 3,985 |
| Noninterest income to average assets | 0.2232% | 5,527 |
| Noninterest expense to average assets | 3.8594% | 902 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.3238% | 6,249 |
| Return on assets (ROA) | -0.2423% | 6,221 |
| Pretax return on assets | -0.2423% | 6,213 |
| Return on Equity (ROE) | -2.9425% | 6,245 |
| Retained earnings to average equity (ytd only) | -2.9425% | 6,086 |
| Net charge-offs to loans | -0.0436% | 5,885 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.1581% | 231 |
| Assets per employee ($millions) | 5.2954% | 1,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8780% | 1,367 |
| Loan loss allowance to noncurrent loans | 2,465.5172% | 277 |
| Noncurrent assets plus other real estate owned to assets | 1.9346% | 1,331 |
| Noncurrent loans to loans | 0.0762% | 5,578 |
| Net loans and leases to total assets | 78.3869% | 952 |
| Net loans and leases to deposits | 90.8236% | 1,430 |
| Net loans and leases to core deposits | 109.9185% | 782 |
| Total domestic deposits to total assets | 86.3067% | 2,668 |
| Equity capital to assets | 9.8576% | 4,283 |
| Core capital (leverage) ratio | 9.7873% | 3,848 |
| Tier 1 risk-based capital ratio | 12.9122% | 4,785 |
| Total risk-based capital ratio | 14.1709% | 4,699 |
| Memoranda: | ||
| Average total assets | $99,444,600 | 4,612 |
| Average earning assets | $95,495,600 | 4,520 |
| Average equity | $8,190,400 | 5,152 |
| Average total loans | $73,451,800 | 4,077 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6539% | 4,989 |
| Cost of funding earning assets | 0.2542% | 5,364 |
| Net interest margin | 3.3997% | 4,243 |
| Noninterest income to average assets | 0.0650% | 6,342 |
| Noninterest expense to average assets | 3.8097% | 962 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.4790% | 6,364 |
| Return on assets (ROA) | -0.3755% | 6,334 |
| Pretax return on assets | -0.3755% | 6,321 |
| Return on Equity (ROE) | -4.7829% | 6,362 |
| Retained earnings to average equity (ytd only) | -4.7829% | 6,245 |
| Net charge-offs to loans | -0.0458% | 5,870 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.3825% | 178 |
| Assets per employee ($millions) | 5.5367% | 1,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8939% | 1,469 |
| Loan loss allowance to noncurrent loans | 462.0130% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 2.1011% | 1,334 |
| Noncurrent loans to loans | 0.4099% | 4,674 |
| Net loans and leases to total assets | 73.9637% | 1,530 |
| Net loans and leases to deposits | 84.5953% | 2,076 |
| Net loans and leases to core deposits | 101.2082% | 1,272 |
| Total domestic deposits to total assets | 87.4324% | 2,073 |
| Equity capital to assets | 7.8225% | 6,205 |
| Core capital (leverage) ratio | 7.9376% | 6,111 |
| Tier 1 risk-based capital ratio | 10.8542% | 6,063 |
| Total risk-based capital ratio | 12.1139% | 6,007 |
| Memoranda: | ||
| Average total assets | $100,476,500 | 4,634 |
| Average earning assets | $96,515,750 | 4,538 |
| Average equity | $7,889,000 | 5,267 |
| Average total loans | $72,778,250 | 4,127 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6111% | 5,119 |
| Cost of funding earning assets | 0.2563% | 5,417 |
| Net interest margin | 3.3547% | 4,379 |
| Noninterest income to average assets | -0.1310% | 6,608 |
| Noninterest expense to average assets | 3.7916% | 981 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.7008% | 6,484 |
| Return on assets (ROA) | -0.5816% | 6,457 |
| Pretax return on assets | -0.5816% | 6,443 |
| Return on Equity (ROE) | -7.3990% | 6,484 |
| Retained earnings to average equity (ytd only) | -7.3990% | 6,353 |
| Net charge-offs to loans | -0.0528% | 5,902 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.6718% | 129 |
| Assets per employee ($millions) | 5.6482% | 1,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9453% | 1,472 |
| Loan loss allowance to noncurrent loans | 425.5255% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 2.0843% | 1,504 |
| Noncurrent loans to loans | 0.4571% | 4,622 |
| Net loans and leases to total assets | 70.2558% | 2,036 |
| Net loans and leases to deposits | 81.1007% | 2,374 |
| Net loans and leases to core deposits | 94.0584% | 1,771 |
| Total domestic deposits to total assets | 86.6279% | 2,681 |
| Equity capital to assets | 7.7478% | 6,275 |
| Core capital (leverage) ratio | 7.8366% | 6,190 |
| Tier 1 risk-based capital ratio | 11.1728% | 5,976 |
| Total risk-based capital ratio | 12.4329% | 5,908 |
| Memoranda: | ||
| Average total assets | $100,748,330 | 4,671 |
| Average earning assets | $96,758,330 | 4,561 |
| Average equity | $7,920,000 | 5,289 |
| Average total loans | $71,992,330 | 4,162 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5821% | 5,224 |
| Cost of funding earning assets | 0.2535% | 5,546 |
| Net interest margin | 3.3286% | 4,431 |
| Noninterest income to average assets | -0.1077% | 6,664 |
| Noninterest expense to average assets | 3.7930% | 994 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.7060% | 6,522 |
| Return on assets (ROA) | -0.7060% | 6,522 |
| Pretax return on assets | -0.7060% | 6,508 |
| Return on Equity (ROE) | -8.9152% | 6,548 |
| Retained earnings to average equity (ytd only) | -8.9152% | 6,323 |
| Net charge-offs to loans | -0.0559% | 5,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.8682% | 159 |
| Assets per employee ($millions) | 6.3889% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9541% | 1,611 |
| Loan loss allowance to noncurrent loans | 392.2006% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 2.1757% | 1,529 |
| Noncurrent loans to loans | 0.4982% | 4,667 |
| Net loans and leases to total assets | 69.1113% | 2,044 |
| Net loans and leases to deposits | 79.6929% | 2,339 |
| Net loans and leases to core deposits | 91.4453% | 1,784 |
| Total domestic deposits to total assets | 86.7220% | 2,980 |
| Equity capital to assets | 7.7224% | 6,225 |
| Core capital (leverage) ratio | 8.1405% | 6,002 |
| Tier 1 risk-based capital ratio | 10.6748% | 6,285 |
| Total risk-based capital ratio | 11.9330% | 6,244 |
| Memoranda: | ||
| Average total assets | $100,289,000 | 4,727 |
| Average earning assets | $96,257,000 | 4,616 |
| Average equity | $7,941,500 | 5,318 |
| Average total loans | $71,566,500 | 4,215 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5136% | 5,615 |
| Cost of funding earning assets | 0.2979% | 5,615 |
| Net interest margin | 3.2157% | 4,946 |
| Noninterest income to average assets | 0.1703% | 6,067 |
| Noninterest expense to average assets | 4.2541% | 661 |
| Loan and lease loss provision to assets | 0.6626% | 358 |
| Net operating income to assets | -1.6605% | 6,687 |
| Return on assets (ROA) | -1.6605% | 6,682 |
| Pretax return on assets | -1.6605% | 6,676 |
| Return on Equity (ROE) | -18.0970% | 6,676 |
| Retained earnings to average equity (ytd only) | -18.0970% | 6,655 |
| Net charge-offs to loans | 1.1461% | 473 |
| Credit loss provision to net charge-offs | 84.4737% | 2,912 |
| Earnings coverage of net charge-offs (x) | -1.2724% | 5,282 |
| Efficiency ratio | 130.6498% | 119 |
| Assets per employee ($millions) | 5.4642% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9669% | 1,631 |
| Loan loss allowance to noncurrent loans | 361.2403% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 2.3598% | 1,473 |
| Noncurrent loans to loans | 0.5445% | 4,631 |
| Net loans and leases to total assets | 70.8447% | 1,867 |
| Net loans and leases to deposits | 80.3830% | 2,404 |
| Net loans and leases to core deposits | 92.5390% | 1,724 |
| Total domestic deposits to total assets | 88.1339% | 2,099 |
| Equity capital to assets | 8.1225% | 5,922 |
| Core capital (leverage) ratio | 8.2464% | 5,928 |
| Tier 1 risk-based capital ratio | 10.9207% | 6,205 |
| Total risk-based capital ratio | 12.1790% | 6,155 |
| Memoranda: | ||
| Average total assets | $96,895,800 | 4,818 |
| Average earning assets | $92,981,400 | 4,701 |
| Average equity | $8,891,000 | 5,116 |
| Average total loans | $66,310,000 | 4,402 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4409% | 5,800 |
| Cost of funding earning assets | 0.3051% | 5,691 |
| Net interest margin | 3.1358% | 5,213 |
| Noninterest income to average assets | 0.1782% | 6,125 |
| Noninterest expense to average assets | 4.3881% | 587 |
| Loan and lease loss provision to assets | 0.4724% | 591 |
| Net operating income to assets | -1.6727% | 6,777 |
| Return on assets (ROA) | -1.6727% | 6,778 |
| Pretax return on assets | -1.6727% | 6,772 |
| Return on Equity (ROE) | -17.7111% | 6,760 |
| Retained earnings to average equity (ytd only) | -17.7111% | 6,741 |
| Net charge-offs to loans | 1.4763% | 321 |
| Credit loss provision to net charge-offs | 47.4341% | 3,570 |
| Earnings coverage of net charge-offs (x) | -1.2053% | 5,028 |
| Efficiency ratio | 137.6516% | 104 |
| Assets per employee ($millions) | 4.9741% | 2,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7061% | 2,607 |
| Loan loss allowance to noncurrent loans | 91.5459% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 3.3606% | 1,031 |
| Noncurrent loans to loans | 1.8636% | 2,415 |
| Net loans and leases to total assets | 69.3144% | 2,079 |
| Net loans and leases to deposits | 76.2711% | 2,920 |
| Net loans and leases to core deposits | 87.9785% | 2,195 |
| Total domestic deposits to total assets | 90.8790% | 584 |
| Equity capital to assets | 8.8724% | 5,328 |
| Core capital (leverage) ratio | 8.9652% | 5,175 |
| Tier 1 risk-based capital ratio | 12.1207% | 5,705 |
| Total risk-based capital ratio | 13.3759% | 5,636 |
| Memoranda: | ||
| Average total assets | $96,530,750 | 4,868 |
| Average earning assets | $92,647,500 | 4,758 |
| Average equity | $9,116,500 | 5,108 |
| Average total loans | $65,118,000 | 4,482 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3872% | 5,935 |
| Cost of funding earning assets | 0.3169% | 5,698 |
| Net interest margin | 3.0703% | 5,367 |
| Noninterest income to average assets | 0.1913% | 6,063 |
| Noninterest expense to average assets | 4.5080% | 522 |
| Loan and lease loss provision to assets | 0.0864% | 3,351 |
| Net operating income to assets | -1.4526% | 6,807 |
| Return on assets (ROA) | -1.4526% | 6,810 |
| Pretax return on assets | -1.4526% | 6,800 |
| Return on Equity (ROE) | -15.0849% | 6,799 |
| Retained earnings to average equity (ytd only) | -15.0849% | 6,763 |
| Net charge-offs to loans | 1.7211% | 283 |
| Credit loss provision to net charge-offs | 7.5540% | 3,931 |
| Earnings coverage of net charge-offs (x) | -1.1942% | 4,727 |
| Efficiency ratio | 143.4840% | 86 |
| Assets per employee ($millions) | 5.0441% | 2,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5326% | 3,431 |
| Loan loss allowance to noncurrent loans | 68.8187% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 3.5372% | 1,080 |
| Noncurrent loans to loans | 2.2270% | 2,141 |
| Net loans and leases to total assets | 67.1727% | 2,383 |
| Net loans and leases to deposits | 76.4700% | 2,809 |
| Net loans and leases to core deposits | 87.5139% | 2,171 |
| Total domestic deposits to total assets | 87.8420% | 2,361 |
| Equity capital to assets | 9.3220% | 4,831 |
| Core capital (leverage) ratio | 9.2607% | 4,609 |
| Tier 1 risk-based capital ratio | 12.7242% | 5,345 |
| Total risk-based capital ratio | 13.9794% | 5,275 |
| Memoranda: | ||
| Average total assets | $97,205,330 | 4,876 |
| Average earning assets | $93,411,000 | 4,770 |
| Average equity | $9,360,330 | 5,091 |
| Average total loans | $64,609,330 | 4,516 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3875% | 5,972 |
| Cost of funding earning assets | 0.3354% | 5,672 |
| Net interest margin | 3.0522% | 5,423 |
| Noninterest income to average assets | 0.1961% | 6,071 |
| Noninterest expense to average assets | 4.4172% | 577 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.2831% | 6,861 |
| Return on assets (ROA) | -1.2831% | 6,866 |
| Pretax return on assets | -1.2831% | 6,854 |
| Return on Equity (ROE) | -13.1195% | 6,846 |
| Retained earnings to average equity (ytd only) | -13.1195% | 6,702 |
| Net charge-offs to loans | -0.0436% | 6,076 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.9387% | 105 |
| Assets per employee ($millions) | 4.4896% | 2,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3808% | 1,275 |
| Loan loss allowance to noncurrent loans | 114.3393% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 3.3066% | 1,323 |
| Noncurrent loans to loans | 2.0822% | 2,530 |
| Net loans and leases to total assets | 63.2240% | 2,846 |
| Net loans and leases to deposits | 69.9937% | 3,485 |
| Net loans and leases to core deposits | 77.3845% | 3,147 |
| Total domestic deposits to total assets | 90.3281% | 865 |
| Equity capital to assets | 9.5322% | 4,805 |
| Core capital (leverage) ratio | 9.6261% | 3,876 |
| Tier 1 risk-based capital ratio | 13.5129% | 4,861 |
| Total risk-based capital ratio | 14.7754% | 4,809 |
| Memoranda: | ||
| Average total assets | $97,889,000 | 4,909 |
| Average earning assets | $94,228,500 | 4,795 |
| Average equity | $9,573,500 | 5,097 |
| Average total loans | $64,224,500 | 4,558 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6576% | 6,121 |
| Cost of funding earning assets | 0.4656% | 5,454 |
| Net interest margin | 3.1921% | 5,588 |
| Noninterest income to average assets | -0.1951% | 6,958 |
| Noninterest expense to average assets | 4.5361% | 557 |
| Loan and lease loss provision to assets | -0.1653% | 6,962 |
| Net operating income to assets | -1.5135% | 6,859 |
| Return on assets (ROA) | -1.5135% | 6,870 |
| Pretax return on assets | -1.5124% | 6,851 |
| Return on Equity (ROE) | -15.8805% | 6,836 |
| Retained earnings to average equity (ytd only) | -15.8805% | 6,787 |
| Net charge-offs to loans | 0.4469% | 2,442 |
| Credit loss provision to net charge-offs | -56.3910% | 6,282 |
| Earnings coverage of net charge-offs (x) | -5.7218% | 5,915 |
| Efficiency ratio | 158.6965% | 73 |
| Assets per employee ($millions) | 4.8504% | 2,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3512% | 1,304 |
| Loan loss allowance to noncurrent loans | 109.6168% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 3.4193% | 1,337 |
| Noncurrent loans to loans | 2.1449% | 2,530 |
| Net loans and leases to total assets | 64.9056% | 2,741 |
| Net loans and leases to deposits | 72.2741% | 3,363 |
| Net loans and leases to core deposits | 76.4634% | 3,472 |
| Total domestic deposits to total assets | 89.8049% | 1,061 |
| Equity capital to assets | 10.0323% | 4,126 |
| Core capital (leverage) ratio | 10.1862% | 3,158 |
| Tier 1 risk-based capital ratio | 13.8733% | 4,472 |
| Total risk-based capital ratio | 15.1353% | 4,426 |
| Memoranda: | ||
| Average total assets | $90,717,200 | 5,066 |
| Average earning assets | $86,777,400 | 4,947 |
| Average equity | $8,645,800 | 5,317 |
| Average total loans | $59,526,800 | 4,729 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6713% | 6,276 |
| Cost of funding earning assets | 0.4951% | 5,465 |
| Net interest margin | 3.1761% | 5,751 |
| Noninterest income to average assets | -0.3350% | 7,099 |
| Noninterest expense to average assets | 4.6844% | 466 |
| Loan and lease loss provision to assets | -0.2244% | 7,097 |
| Net operating income to assets | -1.7634% | 7,011 |
| Return on assets (ROA) | -1.7634% | 7,020 |
| Pretax return on assets | -1.7634% | 6,994 |
| Return on Equity (ROE) | -18.7714% | 6,978 |
| Retained earnings to average equity (ytd only) | -18.7714% | 6,960 |
| Net charge-offs to loans | 0.5970% | 1,840 |
| Credit loss provision to net charge-offs | -57.4713% | 6,192 |
| Earnings coverage of net charge-offs (x) | -5.0920% | 5,714 |
| Efficiency ratio | 173.7105% | 61 |
| Assets per employee ($millions) | 4.6855% | 2,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4167% | 1,326 |
| Loan loss allowance to noncurrent loans | 103.1886% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 3.6368% | 1,366 |
| Noncurrent loans to loans | 2.3421% | 2,462 |
| Net loans and leases to total assets | 65.5380% | 2,731 |
| Net loans and leases to deposits | 75.6519% | 3,034 |
| Net loans and leases to core deposits | 80.3724% | 3,155 |
| Total domestic deposits to total assets | 86.6310% | 2,896 |
| Equity capital to assets | 10.5134% | 3,827 |
| Core capital (leverage) ratio | 9.5354% | 4,217 |
| Tier 1 risk-based capital ratio | 14.3968% | 4,262 |
| Total risk-based capital ratio | 15.6595% | 4,221 |
| Memoranda: | ||
| Average total assets | $89,144,750 | 5,170 |
| Average earning assets | $85,091,250 | 5,041 |
| Average equity | $8,374,250 | 5,452 |
| Average total loans | $58,288,750 | 4,830 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6526% | 6,416 |
| Cost of funding earning assets | 0.4773% | 5,780 |
| Net interest margin | 3.1754% | 5,806 |
| Noninterest income to average assets | 0.2146% | 6,033 |
| Noninterest expense to average assets | 4.7910% | 433 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -1.5567% | 7,026 |
| Return on assets (ROA) | -1.5567% | 7,038 |
| Pretax return on assets | -1.5544% | 7,012 |
| Return on Equity (ROE) | -17.3060% | 7,005 |
| Retained earnings to average equity (ytd only) | -17.3060% | 6,975 |
| Net charge-offs to loans | 0.8777% | 1,254 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -2.7349% | 5,404 |
| Efficiency ratio | 148.0254% | 107 |
| Assets per employee ($millions) | 4.9279% | 2,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6573% | 1,088 |
| Loan loss allowance to noncurrent loans | 109.7132% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 3.6846% | 1,420 |
| Noncurrent loans to loans | 2.4220% | 2,479 |
| Net loans and leases to total assets | 59.5762% | 3,902 |
| Net loans and leases to deposits | 67.0615% | 4,354 |
| Net loans and leases to core deposits | 69.9267% | 4,537 |
| Total domestic deposits to total assets | 88.8381% | 1,614 |
| Equity capital to assets | 8.6369% | 6,090 |
| Core capital (leverage) ratio | 10.3628% | 2,968 |
| Tier 1 risk-based capital ratio | 12.9100% | 5,245 |
| Total risk-based capital ratio | 14.1691% | 5,216 |
| Memoranda: | ||
| Average total assets | $87,623,330 | 5,237 |
| Average earning assets | $83,392,000 | 5,120 |
| Average equity | $7,881,670 | 5,607 |
| Average total loans | $56,739,670 | 4,919 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8673% | 6,096 |
| Cost of funding earning assets | 0.5358% | 5,577 |
| Net interest margin | 3.3315% | 5,362 |
| Noninterest income to average assets | 0.2058% | 6,156 |
| Noninterest expense to average assets | 5.3807% | 284 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -2.0278% | 7,155 |
| Return on assets (ROA) | -2.0278% | 7,158 |
| Pretax return on assets | -2.0228% | 7,141 |
| Return on Equity (ROE) | -21.9759% | 7,126 |
| Retained earnings to average equity (ytd only) | -21.9759% | 7,071 |
| Net charge-offs to loans | 1.9535% | 488 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -1.5441% | 4,595 |
| Efficiency ratio | 160.2392% | 80 |
| Assets per employee ($millions) | 4.0885% | 3,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9394% | 885 |
| Loan loss allowance to noncurrent loans | 84.6934% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 5.2000% | 981 |
| Noncurrent loans to loans | 3.4707% | 1,799 |
| Net loans and leases to total assets | 67.4783% | 2,203 |
| Net loans and leases to deposits | 78.5941% | 2,399 |
| Net loans and leases to core deposits | 82.0061% | 2,837 |
| Total domestic deposits to total assets | 85.8567% | 3,613 |
| Equity capital to assets | 9.0216% | 5,461 |
| Core capital (leverage) ratio | 9.1999% | 4,518 |
| Tier 1 risk-based capital ratio | 12.0236% | 5,948 |
| Total risk-based capital ratio | 13.2929% | 5,918 |
| Memoranda: | ||
| Average total assets | $79,692,000 | 5,484 |
| Average earning assets | $75,400,500 | 5,384 |
| Average equity | $7,353,500 | 5,778 |
| Average total loans | $53,441,500 | 5,090 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8997% | 6,614 |
| Cost of funding earning assets | 0.6309% | 5,922 |
| Net interest margin | 3.2688% | 5,906 |
| Noninterest income to average assets | 0.1756% | 6,236 |
| Noninterest expense to average assets | 5.5718% | 253 |
| Loan and lease loss provision to assets | 0.1835% | 4,356 |
| Net operating income to assets | -2.5461% | 7,123 |
| Return on assets (ROA) | -2.5461% | 7,127 |
| Pretax return on assets | -2.5448% | 7,126 |
| Return on Equity (ROE) | -32.5723% | 7,111 |
| Retained earnings to average equity (ytd only) | -32.5723% | 7,105 |
| Net charge-offs to loans | 1.8057% | 813 |
| Credit loss provision to net charge-offs | 14.4778% | 5,974 |
| Earnings coverage of net charge-offs (x) | -1.8635% | 6,269 |
| Efficiency ratio | 173.5510% | 89 |
| Assets per employee ($millions) | 3.5279% | 4,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8613% | 416 |
| Loan loss allowance to noncurrent loans | 240.5978% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 3.9696% | 1,448 |
| Noncurrent loans to loans | 1.6049% | 3,755 |
| Net loans and leases to total assets | 61.9772% | 3,602 |
| Net loans and leases to deposits | 72.2235% | 3,764 |
| Net loans and leases to core deposits | 75.0566% | 4,092 |
| Total domestic deposits to total assets | 85.8131% | 3,423 |
| Equity capital to assets | 9.4442% | 4,974 |
| Core capital (leverage) ratio | 9.0916% | 4,634 |
| Tier 1 risk-based capital ratio | 13.3563% | 4,800 |
| Total risk-based capital ratio | 14.6269% | 4,763 |
| Memoranda: | ||
| Average total assets | $76,313,400 | 5,554 |
| Average earning assets | $70,850,800 | 5,508 |
| Average equity | $5,965,200 | 6,167 |
| Average total loans | $53,551,600 | 5,129 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0757% | 6,458 |
| Cost of funding earning assets | 0.6492% | 6,037 |
| Net interest margin | 3.4265% | 5,482 |
| Noninterest income to average assets | 0.2983% | 5,476 |
| Noninterest expense to average assets | 5.2866% | 290 |
| Loan and lease loss provision to assets | 0.2456% | 3,549 |
| Net operating income to assets | -2.0687% | 7,146 |
| Return on assets (ROA) | -2.0687% | 7,158 |
| Pretax return on assets | -2.0669% | 7,137 |
| Return on Equity (ROE) | -27.9509% | 7,183 |
| Retained earnings to average equity (ytd only) | -27.9509% | 7,175 |
| Net charge-offs to loans | 1.4403% | 1,020 |
| Credit loss provision to net charge-offs | 23.8095% | 5,508 |
| Earnings coverage of net charge-offs (x) | -1.7653% | 6,002 |
| Efficiency ratio | 152.5570% | 128 |
| Assets per employee ($millions) | 3.4046% | 5,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4339% | 278 |
| Loan loss allowance to noncurrent loans | 41.7449% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 7.5719% | 617 |
| Noncurrent loans to loans | 10.6214% | 317 |
| Net loans and leases to total assets | 60.9595% | 3,948 |
| Net loans and leases to deposits | 75.4354% | 3,426 |
| Net loans and leases to core deposits | 78.7983% | 3,792 |
| Total domestic deposits to total assets | 80.8102% | 5,493 |
| Equity capital to assets | 9.8262% | 4,591 |
| Core capital (leverage) ratio | 9.7345% | 3,799 |
| Tier 1 risk-based capital ratio | 14.1220% | 4,262 |
| Total risk-based capital ratio | 15.4100% | 4,200 |
| Memoranda: | ||
| Average total assets | $75,988,250 | 5,613 |
| Average earning assets | $70,235,000 | 5,574 |
| Average equity | $5,624,000 | 6,297 |
| Average total loans | $54,430,750 | 5,144 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4061% | 5,668 |
| Cost of funding earning assets | 0.6740% | 6,107 |
| Net interest margin | 3.7321% | 4,110 |
| Noninterest income to average assets | 0.2268% | 6,039 |
| Noninterest expense to average assets | 5.2429% | 307 |
| Loan and lease loss provision to assets | 0.3780% | 2,526 |
| Net operating income to assets | -2.0032% | 7,189 |
| Return on assets (ROA) | -2.0032% | 7,191 |
| Pretax return on assets | -2.0005% | 7,161 |
| Return on Equity (ROE) | -30.7735% | 7,253 |
| Retained earnings to average equity (ytd only) | -30.7735% | 7,246 |
| Net charge-offs to loans | 1.7790% | 795 |
| Credit loss provision to net charge-offs | 28.5132% | 5,015 |
| Earnings coverage of net charge-offs (x) | -1.2240% | 5,663 |
| Efficiency ratio | 144.8173% | 177 |
| Assets per employee ($millions) | 3.8180% | 4,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6179% | 250 |
| Loan loss allowance to noncurrent loans | 40.6276% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 10.9221% | 317 |
| Noncurrent loans to loans | 11.3664% | 294 |
| Net loans and leases to total assets | 62.0340% | 3,878 |
| Net loans and leases to deposits | 73.0621% | 3,944 |
| Net loans and leases to core deposits | 76.2358% | 4,284 |
| Total domestic deposits to total assets | 84.9059% | 3,920 |
| Equity capital to assets | 5.5490% | 7,289 |
| Core capital (leverage) ratio | 5.7605% | 7,231 |
| Tier 1 risk-based capital ratio | 7.4329% | 7,285 |
| Total risk-based capital ratio | 8.7271% | 7,287 |
| Memoranda: | ||
| Average total assets | $74,081,000 | 5,722 |
| Average earning assets | $67,360,670 | 5,717 |
| Average equity | $4,822,330 | 6,589 |
| Average total loans | $55,200,670 | 5,164 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9770% | 3,207 |
| Cost of funding earning assets | 0.7290% | 5,984 |
| Net interest margin | 4.2481% | 1,752 |
| Noninterest income to average assets | 0.2534% | 5,867 |
| Noninterest expense to average assets | 5.0906% | 337 |
| Loan and lease loss provision to assets | 0.7884% | 1,083 |
| Net operating income to assets | -1.8245% | 7,258 |
| Return on assets (ROA) | -1.8245% | 7,256 |
| Pretax return on assets | -1.8189% | 7,225 |
| Return on Equity (ROE) | -25.8734% | 7,287 |
| Retained earnings to average equity (ytd only) | -25.8734% | 7,252 |
| Net charge-offs to loans | 1.2269% | 1,134 |
| Credit loss provision to net charge-offs | 80.4598% | 3,149 |
| Earnings coverage of net charge-offs (x) | -1.0517% | 4,899 |
| Efficiency ratio | 125.3814% | 300 |
| Assets per employee ($millions) | 3.2597% | 5,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9399% | 207 |
| Loan loss allowance to noncurrent loans | 48.2879% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 9.0904% | 473 |
| Noncurrent loans to loans | 10.2300% | 387 |
| Net loans and leases to total assets | 74.1693% | 1,319 |
| Net loans and leases to deposits | 92.1516% | 1,003 |
| Net loans and leases to core deposits | 95.5194% | 1,710 |
| Total domestic deposits to total assets | 80.4861% | 5,819 |
| Equity capital to assets | 6.7240% | 7,157 |
| Core capital (leverage) ratio | 6.5868% | 7,149 |
| Tier 1 risk-based capital ratio | 7.7084% | 7,314 |
| Total risk-based capital ratio | 8.9994% | 7,315 |
| Memoranda: | ||
| Average total assets | $71,033,000 | 5,845 |
| Average earning assets | $63,652,500 | 5,873 |
| Average equity | $5,009,000 | 6,558 |
| Average total loans | $56,728,500 | 5,147 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8452% | 5,253 |
| Cost of funding earning assets | 0.9016% | 6,173 |
| Net interest margin | 3.9436% | 3,288 |
| Noninterest income to average assets | 0.4316% | 4,672 |
| Noninterest expense to average assets | 5.3754% | 325 |
| Loan and lease loss provision to assets | 2.3060% | 522 |
| Net operating income to assets | -3.6477% | 7,390 |
| Return on assets (ROA) | -3.6477% | 7,408 |
| Pretax return on assets | -3.6465% | 7,388 |
| Return on Equity (ROE) | -42.8708% | 7,375 |
| Retained earnings to average equity (ytd only) | -42.8708% | 7,368 |
| Net charge-offs to loans | 1.7398% | 1,239 |
| Credit loss provision to net charge-offs | 165.0485% | 2,082 |
| Earnings coverage of net charge-offs (x) | -0.9594% | 6,594 |
| Efficiency ratio | 133.2213% | 291 |
| Assets per employee ($millions) | 3.5177% | 4,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8657% | 210 |
| Loan loss allowance to noncurrent loans | 45.8463% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 9.8048% | 424 |
| Noncurrent loans to loans | 10.6132% | 378 |
| Net loans and leases to total assets | 77.7593% | 978 |
| Net loans and leases to deposits | 98.7045% | 664 |
| Net loans and leases to core deposits | 114.1897% | 724 |
| Total domestic deposits to total assets | 78.7799% | 6,141 |
| Equity capital to assets | 7.3856% | 6,949 |
| Core capital (leverage) ratio | 6.6745% | 7,149 |
| Tier 1 risk-based capital ratio | 8.0758% | 7,342 |
| Total risk-based capital ratio | 9.3728% | 7,346 |
| Memoranda: | ||
| Average total assets | $81,091,800 | 5,567 |
| Average earning assets | $74,094,000 | 5,538 |
| Average equity | $6,899,800 | 6,069 |
| Average total loans | $65,122,400 | 4,866 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8639% | 5,421 |
| Cost of funding earning assets | 0.9408% | 6,222 |
| Net interest margin | 3.9231% | 3,437 |
| Noninterest income to average assets | 0.4934% | 4,238 |
| Noninterest expense to average assets | 5.1198% | 341 |
| Loan and lease loss provision to assets | 1.5183% | 869 |
| Net operating income to assets | -2.5559% | 7,361 |
| Return on assets (ROA) | -2.5559% | 7,376 |
| Pretax return on assets | -2.5544% | 7,334 |
| Return on Equity (ROE) | -29.2295% | 7,374 |
| Retained earnings to average equity (ytd only) | -29.2295% | 7,364 |
| Net charge-offs to loans | 0.8792% | 2,247 |
| Credit loss provision to net charge-offs | 215.8371% | 1,612 |
| Earnings coverage of net charge-offs (x) | -1.4729% | 6,503 |
| Efficiency ratio | 125.3702% | 341 |
| Assets per employee ($millions) | 3.8214% | 4,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1973% | 316 |
| Loan loss allowance to noncurrent loans | 55.3571% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 6.0815% | 975 |
| Noncurrent loans to loans | 7.5821% | 710 |
| Net loans and leases to total assets | 76.8423% | 1,249 |
| Net loans and leases to deposits | 93.7953% | 1,227 |
| Net loans and leases to core deposits | 120.9909% | 579 |
| Total domestic deposits to total assets | 81.9255% | 5,027 |
| Equity capital to assets | 8.6447% | 6,110 |
| Core capital (leverage) ratio | 8.3820% | 5,733 |
| Tier 1 risk-based capital ratio | 9.6654% | 7,201 |
| Total risk-based capital ratio | 10.9622% | 7,177 |
| Memoranda: | ||
| Average total assets | $83,776,500 | 5,543 |
| Average earning assets | $76,672,500 | 5,525 |
| Average equity | $7,325,750 | 6,011 |
| Average total loans | $67,027,000 | 4,862 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8943% | 5,417 |
| Cost of funding earning assets | 1.0364% | 5,979 |
| Net interest margin | 3.8579% | 3,643 |
| Noninterest income to average assets | 0.1879% | 6,558 |
| Noninterest expense to average assets | 5.0310% | 370 |
| Loan and lease loss provision to assets | 0.8768% | 1,659 |
| Net operating income to assets | -2.2082% | 7,353 |
| Return on assets (ROA) | -2.2082% | 7,362 |
| Pretax return on assets | -2.2058% | 7,294 |
| Return on Equity (ROE) | -25.1674% | 7,372 |
| Retained earnings to average equity (ytd only) | -25.1674% | 7,356 |
| Net charge-offs to loans | -0.2727% | 7,679 |
| Credit loss provision to net charge-offs | -402.1277% | 6,796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.9023% | 274 |
| Assets per employee ($millions) | 4.1138% | 3,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8668% | 415 |
| Loan loss allowance to noncurrent loans | 53.5420% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 8.8823% | 509 |
| Noncurrent loans to loans | 7.2221% | 758 |
| Net loans and leases to total assets | 76.5083% | 1,388 |
| Net loans and leases to deposits | 90.1498% | 1,827 |
| Net loans and leases to core deposits | 132.2298% | 388 |
| Total domestic deposits to total assets | 84.8680% | 3,702 |
| Equity capital to assets | 8.5870% | 6,038 |
| Core capital (leverage) ratio | 7.9355% | 6,343 |
| Tier 1 risk-based capital ratio | 9.5780% | 7,230 |
| Total risk-based capital ratio | 10.8434% | 7,224 |
| Memoranda: | ||
| Average total assets | $86,226,000 | 5,503 |
| Average earning assets | $78,541,000 | 5,491 |
| Average equity | $7,565,330 | 5,942 |
| Average total loans | $68,935,330 | 4,827 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7336% | 6,133 |
| Cost of funding earning assets | 1.0792% | 5,998 |
| Net interest margin | 3.6545% | 4,466 |
| Noninterest income to average assets | 0.2131% | 6,442 |
| Noninterest expense to average assets | 5.1519% | 329 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.5601% | 7,352 |
| Return on assets (ROA) | -1.5601% | 7,356 |
| Pretax return on assets | -1.5601% | 7,279 |
| Return on Equity (ROE) | -17.6060% | 7,386 |
| Retained earnings to average equity (ytd only) | -17.6060% | 7,300 |
| Net charge-offs to loans | -2.8417% | 7,872 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.4343% | 233 |
| Assets per employee ($millions) | 4.4583% | 3,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6853% | 473 |
| Loan loss allowance to noncurrent loans | 34.5982% | 6,078 |
| Noncurrent assets plus other real estate owned to assets | 8.3047% | 584 |
| Noncurrent loans to loans | 10.6516% | 381 |
| Net loans and leases to total assets | 75.0936% | 1,722 |
| Net loans and leases to deposits | 87.8322% | 2,249 |
| Net loans and leases to core deposits | 142.1946% | 305 |
| Total domestic deposits to total assets | 85.4967% | 3,417 |
| Equity capital to assets | 8.6300% | 5,833 |
| Core capital (leverage) ratio | 8.5688% | 5,257 |
| Tier 1 risk-based capital ratio | 9.8269% | 7,134 |
| Total risk-based capital ratio | 11.0806% | 7,130 |
| Memoranda: | ||
| Average total assets | $88,201,000 | 5,505 |
| Average earning assets | $81,544,000 | 5,453 |
| Average equity | $7,815,500 | 5,906 |
| Average total loans | $70,663,000 | 4,826 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1881% | 5,704 |
| Cost of funding earning assets | 1.4455% | 5,737 |
| Net interest margin | 3.7426% | 3,943 |
| Noninterest income to average assets | 0.2373% | 6,397 |
| Noninterest expense to average assets | 4.2900% | 1,003 |
| Loan and lease loss provision to assets | 3.3052% | 482 |
| Net operating income to assets | -3.8305% | 7,579 |
| Return on assets (ROA) | -3.8305% | 7,577 |
| Pretax return on assets | -3.8305% | 7,488 |
| Return on Equity (ROE) | -34.8951% | 7,488 |
| Retained earnings to average equity (ytd only) | -34.8951% | 7,476 |
| Net charge-offs to loans | 3.6969% | 500 |
| Credit loss provision to net charge-offs | 107.5088% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.1709% | 6,412 |
| Efficiency ratio | 113.9542% | 710 |
| Assets per employee ($millions) | 4.1541% | 3,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8702% | 864 |
| Loan loss allowance to noncurrent loans | 30.7291% | 6,420 |
| Noncurrent assets plus other real estate owned to assets | 8.5320% | 491 |
| Noncurrent loans to loans | 9.3404% | 465 |
| Net loans and leases to total assets | 79.9498% | 1,001 |
| Net loans and leases to deposits | 90.4933% | 2,140 |
| Net loans and leases to core deposits | 140.5837% | 789 |
| Total domestic deposits to total assets | 88.3488% | 1,795 |
| Equity capital to assets | 9.0972% | 4,992 |
| Core capital (leverage) ratio | 8.8669% | 4,647 |
| Tier 1 risk-based capital ratio | 9.7644% | 7,052 |
| Total risk-based capital ratio | 11.0419% | 7,012 |
| Memoranda: | ||
| Average total assets | $92,703,800 | 5,313 |
| Average earning assets | $87,373,200 | 5,214 |
| Average equity | $10,176,200 | 5,249 |
| Average total loans | $77,091,000 | 4,618 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1789% | 5,964 |
| Cost of funding earning assets | 1.4891% | 5,865 |
| Net interest margin | 3.6898% | 4,114 |
| Noninterest income to average assets | 0.1191% | 7,296 |
| Noninterest expense to average assets | 4.0210% | 1,245 |
| Loan and lease loss provision to assets | 2.8488% | 540 |
| Net operating income to assets | -3.2599% | 7,642 |
| Return on assets (ROA) | -3.2599% | 7,647 |
| Pretax return on assets | -3.2599% | 7,562 |
| Return on Equity (ROE) | -28.5630% | 7,575 |
| Retained earnings to average equity (ytd only) | -28.5630% | 7,564 |
| Net charge-offs to loans | 3.1151% | 520 |
| Credit loss provision to net charge-offs | 109.7162% | 4,636 |
| Earnings coverage of net charge-offs (x) | -0.1583% | 6,247 |
| Efficiency ratio | 111.3859% | 741 |
| Assets per employee ($millions) | 4.3002% | 3,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7065% | 878 |
| Loan loss allowance to noncurrent loans | 33.1370% | 6,222 |
| Noncurrent assets plus other real estate owned to assets | 6.7671% | 724 |
| Noncurrent loans to loans | 8.1675% | 583 |
| Net loans and leases to total assets | 80.6122% | 1,061 |
| Net loans and leases to deposits | 92.3467% | 2,179 |
| Net loans and leases to core deposits | 145.8633% | 691 |
| Total domestic deposits to total assets | 87.2929% | 2,022 |
| Equity capital to assets | 10.1945% | 3,855 |
| Core capital (leverage) ratio | 9.5594% | 3,834 |
| Tier 1 risk-based capital ratio | 10.8586% | 6,098 |
| Total risk-based capital ratio | 12.1346% | 6,031 |
| Memoranda: | ||
| Average total assets | $94,070,750 | 5,298 |
| Average earning assets | $88,999,750 | 5,193 |
| Average equity | $10,736,250 | 5,131 |
| Average total loans | $78,412,250 | 4,610 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1755% | 6,165 |
| Cost of funding earning assets | 1.5279% | 6,027 |
| Net interest margin | 3.6476% | 4,178 |
| Noninterest income to average assets | 0.1322% | 7,300 |
| Noninterest expense to average assets | 4.0241% | 1,282 |
| Loan and lease loss provision to assets | 0.8392% | 1,994 |
| Net operating income to assets | -1.2651% | 7,143 |
| Return on assets (ROA) | -1.2651% | 7,149 |
| Pretax return on assets | -1.2651% | 6,974 |
| Return on Equity (ROE) | -10.7235% | 7,092 |
| Retained earnings to average equity (ytd only) | -10.7235% | 6,949 |
| Net charge-offs to loans | 0.9999% | 1,766 |
| Credit loss provision to net charge-offs | 100.5025% | 4,540 |
| Earnings coverage of net charge-offs (x) | -0.5101% | 6,080 |
| Efficiency ratio | 111.8367% | 801 |
| Assets per employee ($millions) | 4.6320% | 2,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4043% | 983 |
| Loan loss allowance to noncurrent loans | 35.6275% | 6,061 |
| Noncurrent assets plus other real estate owned to assets | 5.3325% | 956 |
| Noncurrent loans to loans | 6.7485% | 755 |
| Net loans and leases to total assets | 77.1167% | 1,928 |
| Net loans and leases to deposits | 92.4659% | 2,382 |
| Net loans and leases to core deposits | 141.8364% | 938 |
| Total domestic deposits to total assets | 83.4002% | 4,066 |
| Equity capital to assets | 11.0844% | 2,844 |
| Core capital (leverage) ratio | 11.0689% | 2,354 |
| Tier 1 risk-based capital ratio | 12.1350% | 4,813 |
| Total risk-based capital ratio | 13.4069% | 4,703 |
| Memoranda: | ||
| Average total assets | $95,326,330 | 5,303 |
| Average earning assets | $90,581,330 | 5,178 |
| Average equity | $11,246,330 | 5,013 |
| Average total loans | $79,609,330 | 4,595 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2819% | 5,964 |
| Cost of funding earning assets | 1.5370% | 6,284 |
| Net interest margin | 3.7448% | 3,679 |
| Noninterest income to average assets | 0.1696% | 7,092 |
| Noninterest expense to average assets | 4.4344% | 761 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.6910% | 7,047 |
| Return on assets (ROA) | -0.6910% | 7,084 |
| Pretax return on assets | -0.6910% | 6,962 |
| Return on Equity (ROE) | -5.6802% | 7,036 |
| Retained earnings to average equity (ytd only) | -5.6802% | 6,643 |
| Net charge-offs to loans | -0.0099% | 7,270 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.4598% | 657 |
| Assets per employee ($millions) | 4.3150% | 3,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3435% | 901 |
| Loan loss allowance to noncurrent loans | 51.3048% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 3.7944% | 1,391 |
| Noncurrent loans to loans | 4.5678% | 1,247 |
| Net loans and leases to total assets | 81.1219% | 1,179 |
| Net loans and leases to deposits | 100.9650% | 1,283 |
| Net loans and leases to core deposits | 155.8729% | 566 |
| Total domestic deposits to total assets | 80.3466% | 5,224 |
| Equity capital to assets | 11.9930% | 2,264 |
| Core capital (leverage) ratio | 12.0494% | 1,876 |
| Tier 1 risk-based capital ratio | 12.5661% | 4,501 |
| Total risk-based capital ratio | 13.8383% | 4,406 |
| Memoranda: | ||
| Average total assets | $94,353,500 | 5,360 |
| Average earning assets | $90,044,000 | 5,220 |
| Average equity | $11,478,500 | 4,983 |
| Average total loans | $80,983,500 | 4,583 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6841% | 2,083 |
| Cost of funding earning assets | 2.2438% | 5,400 |
| Net interest margin | 4.4403% | 1,557 |
| Noninterest income to average assets | 0.2040% | 6,984 |
| Noninterest expense to average assets | 5.4952% | 500 |
| Loan and lease loss provision to assets | 2.4411% | 433 |
| Net operating income to assets | -3.5114% | 7,915 |
| Return on assets (ROA) | -3.5114% | 7,895 |
| Pretax return on assets | -3.5114% | 7,809 |
| Return on Equity (ROE) | -24.7570% | 7,857 |
| Retained earnings to average equity (ytd only) | -24.7570% | 7,800 |
| Net charge-offs to loans | 1.5991% | 712 |
| Credit loss provision to net charge-offs | 179.3375% | 2,816 |
| Earnings coverage of net charge-offs (x) | -0.7863% | 6,557 |
| Efficiency ratio | 124.1873% | 529 |
| Assets per employee ($millions) | 3.7511% | 4,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2224% | 926 |
| Loan loss allowance to noncurrent loans | 77.0225% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 2.5571% | 1,893 |
| Noncurrent loans to loans | 2.8853% | 1,869 |
| Net loans and leases to total assets | 86.6556% | 516 |
| Net loans and leases to deposits | 117.1156% | 473 |
| Net loans and leases to core deposits | 151.5281% | 797 |
| Total domestic deposits to total assets | 73.9915% | 6,660 |
| Equity capital to assets | 12.3399% | 2,091 |
| Core capital (leverage) ratio | 11.9006% | 2,025 |
| Tier 1 risk-based capital ratio | 12.2954% | 4,589 |
| Total risk-based capital ratio | 13.5556% | 4,469 |
| Memoranda: | ||
| Average total assets | $93,154,000 | 5,255 |
| Average earning assets | $88,553,200 | 5,130 |
| Average equity | $13,212,400 | 4,519 |
| Average total loans | $79,294,600 | 4,543 |