Home > United-American Savings Bank > Performance and Condition Ratios
United-American Savings Bank, Performance and Condition Ratios
| 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 | 4.3984% | 1,803 |
| Cost of funding earning assets | 1.0041% | 166 |
| Net interest margin | 3.3943% | 3,891 |
| Noninterest income to average assets | 0.4179% | 3,699 |
| Noninterest expense to average assets | 7.4796% | 124 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -2.4937% | 6,086 |
| Return on assets (ROA) | -2.8500% | 6,092 |
| Pretax return on assets | -4.3479% | 6,102 |
| Return on Equity (ROE) | -30.6817% | 6,087 |
| Retained earnings to average equity (ytd only) | -30.6817% | 6,027 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 203.7084% | 20 |
| Assets per employee ($millions) | 5.3696% | 1,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5699% | 5,789 |
| Loan loss allowance to noncurrent loans | 66.8478% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 0.6853% | 3,002 |
| Noncurrent loans to loans | 0.8526% | 2,714 |
| Net loans and leases to total assets | 79.9265% | 824 |
| Net loans and leases to deposits | 89.4496% | 1,645 |
| Net loans and leases to core deposits | 95.9976% | 1,797 |
| Total domestic deposits to total assets | 89.3536% | 921 |
| Equity capital to assets | 9.7698% | 4,379 |
| Core capital (leverage) ratio | 8.9096% | 4,956 |
| Tier 1 risk-based capital ratio | 17.1244% | 2,244 |
| Total risk-based capital ratio | 17.9274% | 2,355 |
| Memoranda: | ||
| Average total assets | $85,191,500 | 4,745 |
| Average earning assets | $81,665,500 | 4,667 |
| Average equity | $7,913,500 | 5,067 |
| Average total loans | $65,308,000 | 4,234 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3224% | 2,142 |
| Cost of funding earning assets | 0.9102% | 276 |
| Net interest margin | 3.4122% | 3,864 |
| Noninterest income to average assets | 0.4307% | 3,814 |
| Noninterest expense to average assets | 2.5231% | 4,153 |
| Loan and lease loss provision to assets | 0.0177% | 4,051 |
| Net operating income to assets | 0.7584% | 3,534 |
| Return on assets (ROA) | 0.7584% | 3,632 |
| Pretax return on assets | 1.1603% | 2,810 |
| Return on Equity (ROE) | 8.8991% | 2,500 |
| Retained earnings to average equity (ytd only) | 7.6000% | 1,065 |
| Net charge-offs to loans | 0.0688% | 2,862 |
| Credit loss provision to net charge-offs | 35.5556% | 3,585 |
| Earnings coverage of net charge-offs (x) | 23.6444% | 1,722 |
| Efficiency ratio | 68.1723% | 3,539 |
| Assets per employee ($millions) | 5.6149% | 1,692 |
| Cash dividends to net income (ytd only)* | 14.5985% | 3,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5602% | 5,858 |
| Loan loss allowance to noncurrent loans | 73.6527% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 0.5577% | 3,422 |
| Noncurrent loans to loans | 0.7606% | 2,898 |
| Net loans and leases to total assets | 72.9104% | 1,903 |
| Net loans and leases to deposits | 88.4147% | 1,822 |
| Net loans and leases to core deposits | 94.3330% | 2,022 |
| Total domestic deposits to total assets | 82.4642% | 4,030 |
| Equity capital to assets | 8.8581% | 5,261 |
| Core capital (leverage) ratio | 9.3992% | 4,324 |
| Tier 1 risk-based capital ratio | 16.9146% | 2,317 |
| Total risk-based capital ratio | 17.6526% | 2,483 |
| Memoranda: | ||
| Average total assets | $90,324,000 | 4,664 |
| Average earning assets | $86,572,200 | 4,574 |
| Average equity | $7,697,400 | 5,114 |
| Average total loans | $65,372,000 | 4,222 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3144% | 2,182 |
| Cost of funding earning assets | 0.8986% | 293 |
| Net interest margin | 3.4159% | 3,889 |
| Noninterest income to average assets | 0.4304% | 3,860 |
| Noninterest expense to average assets | 2.4029% | 4,504 |
| Loan and lease loss provision to assets | 0.0442% | 3,330 |
| Net operating income to assets | 0.8211% | 3,328 |
| Return on assets (ROA) | 0.8211% | 3,414 |
| Pretax return on assets | 1.2560% | 2,574 |
| Return on Equity (ROE) | 9.7304% | 2,202 |
| Retained earnings to average equity (ytd only) | 9.7304% | 683 |
| Net charge-offs to loans | -0.0020% | 4,703 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8885% | 4,086 |
| Assets per employee ($millions) | 5.6757% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6479% | 5,821 |
| Loan loss allowance to noncurrent loans | 111.7188% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.4229% | 4,083 |
| Noncurrent loans to loans | 0.5800% | 3,592 |
| Net loans and leases to total assets | 72.4395% | 1,992 |
| Net loans and leases to deposits | 87.7130% | 1,941 |
| Net loans and leases to core deposits | 94.1721% | 2,060 |
| Total domestic deposits to total assets | 82.5869% | 3,957 |
| Equity capital to assets | 8.7181% | 5,563 |
| Core capital (leverage) ratio | 9.3291% | 4,547 |
| Tier 1 risk-based capital ratio | 16.6802% | 2,486 |
| Total risk-based capital ratio | 17.5309% | 2,631 |
| Memoranda: | ||
| Average total assets | $90,445,250 | 4,711 |
| Average earning assets | $86,652,500 | 4,617 |
| Average equity | $7,632,250 | 5,190 |
| Average total loans | $65,247,250 | 4,269 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2440% | 2,376 |
| Cost of funding earning assets | 0.8835% | 312 |
| Net interest margin | 3.3605% | 4,054 |
| Noninterest income to average assets | 0.4584% | 3,642 |
| Noninterest expense to average assets | 2.3759% | 4,633 |
| Loan and lease loss provision to assets | 0.0664% | 2,785 |
| Net operating income to assets | 0.8126% | 3,317 |
| Return on assets (ROA) | 0.8126% | 3,423 |
| Pretax return on assets | 1.2333% | 2,636 |
| Return on Equity (ROE) | 9.7382% | 2,192 |
| Retained earnings to average equity (ytd only) | 9.7382% | 720 |
| Net charge-offs to loans | -0.0031% | 4,647 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6386% | 4,250 |
| Assets per employee ($millions) | 5.7170% | 1,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6661% | 5,871 |
| Loan loss allowance to noncurrent loans | 73.9655% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 0.7040% | 3,289 |
| Noncurrent loans to loans | 0.9005% | 2,874 |
| Net loans and leases to total assets | 69.9427% | 2,323 |
| Net loans and leases to deposits | 84.3069% | 2,277 |
| Net loans and leases to core deposits | 90.0705% | 2,341 |
| Total domestic deposits to total assets | 82.9620% | 3,970 |
| Equity capital to assets | 8.4354% | 5,735 |
| Core capital (leverage) ratio | 9.1656% | 4,736 |
| Tier 1 risk-based capital ratio | 16.5234% | 2,597 |
| Total risk-based capital ratio | 17.3870% | 2,741 |
| Memoranda: | ||
| Average total assets | $90,323,330 | 4,760 |
| Average earning assets | $86,475,670 | 4,666 |
| Average equity | $7,537,330 | 5,257 |
| Average total loans | $64,925,670 | 4,316 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3104% | 2,064 |
| Cost of funding earning assets | 0.8695% | 337 |
| Net interest margin | 3.4409% | 3,666 |
| Noninterest income to average assets | 0.5081% | 3,230 |
| Noninterest expense to average assets | 2.3621% | 4,706 |
| Loan and lease loss provision to assets | 0.0891% | 2,203 |
| Net operating income to assets | 0.9003% | 2,738 |
| Return on assets (ROA) | 0.9003% | 2,864 |
| Pretax return on assets | 1.3549% | 2,049 |
| Return on Equity (ROE) | 10.8485% | 1,674 |
| Retained earnings to average equity (ytd only) | 10.8485% | 745 |
| Net charge-offs to loans | -0.0307% | 5,267 |
| Credit loss provision to net charge-offs | -400.0000% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0609% | 4,787 |
| Assets per employee ($millions) | 5.2596% | 2,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6534% | 5,982 |
| Loan loss allowance to noncurrent loans | 63.9939% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 0.8108% | 3,083 |
| Noncurrent loans to loans | 1.0211% | 2,718 |
| Net loans and leases to total assets | 71.9261% | 1,814 |
| Net loans and leases to deposits | 85.9063% | 1,843 |
| Net loans and leases to core deposits | 92.7675% | 1,880 |
| Total domestic deposits to total assets | 83.7263% | 3,920 |
| Equity capital to assets | 8.4551% | 5,770 |
| Core capital (leverage) ratio | 8.9602% | 4,997 |
| Tier 1 risk-based capital ratio | 16.9399% | 2,499 |
| Total risk-based capital ratio | 17.8324% | 2,599 |
| Memoranda: | ||
| Average total assets | $89,749,000 | 4,814 |
| Average earning assets | $86,024,500 | 4,721 |
| Average equity | $7,448,000 | 5,318 |
| Average total loans | $65,185,000 | 4,322 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3780% | 2,294 |
| Cost of funding earning assets | 0.9522% | 287 |
| Net interest margin | 3.4258% | 4,083 |
| Noninterest income to average assets | 0.1770% | 5,796 |
| Noninterest expense to average assets | 2.2816% | 5,156 |
| Loan and lease loss provision to assets | 0.1080% | 2,356 |
| Net operating income to assets | 0.7018% | 3,881 |
| Return on assets (ROA) | 0.6874% | 4,075 |
| Pretax return on assets | 1.0448% | 3,324 |
| Return on Equity (ROE) | 8.5086% | 2,830 |
| Retained earnings to average equity (ytd only) | 7.2280% | 1,305 |
| Net charge-offs to loans | 0.0574% | 3,684 |
| Credit loss provision to net charge-offs | 261.1111% | 980 |
| Earnings coverage of net charge-offs (x) | 28.3889% | 1,395 |
| Efficiency ratio | 66.0126% | 4,245 |
| Assets per employee ($millions) | 5.6303% | 1,667 |
| Cash dividends to net income (ytd only)* | 15.0502% | 3,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6064% | 6,134 |
| Loan loss allowance to noncurrent loans | 85.9611% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 0.9269% | 2,900 |
| Noncurrent loans to loans | 0.7054% | 3,564 |
| Net loans and leases to total assets | 72.4180% | 1,845 |
| Net loans and leases to deposits | 86.2992% | 1,945 |
| Net loans and leases to core deposits | 93.1066% | 1,981 |
| Total domestic deposits to total assets | 83.9150% | 3,755 |
| Equity capital to assets | 8.1435% | 5,990 |
| Core capital (leverage) ratio | 8.7845% | 5,255 |
| Tier 1 risk-based capital ratio | 15.8352% | 3,038 |
| Total risk-based capital ratio | 16.6420% | 3,223 |
| Memoranda: | ||
| Average total assets | $87,000,400 | 4,910 |
| Average earning assets | $83,280,800 | 4,812 |
| Average equity | $7,028,200 | 5,405 |
| Average total loans | $62,717,800 | 4,405 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3993% | 2,224 |
| Cost of funding earning assets | 0.9843% | 265 |
| Net interest margin | 3.4150% | 4,174 |
| Noninterest income to average assets | 0.2196% | 5,619 |
| Noninterest expense to average assets | 2.1755% | 5,397 |
| Loan and lease loss provision to assets | 0.1392% | 1,797 |
| Net operating income to assets | 0.7628% | 3,612 |
| Return on assets (ROA) | 0.7437% | 3,804 |
| Pretax return on assets | 1.1427% | 3,024 |
| Return on Equity (ROE) | 9.2260% | 2,575 |
| Retained earnings to average equity (ytd only) | 9.2260% | 920 |
| Net charge-offs to loans | -0.0021% | 5,193 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3947% | 4,829 |
| Assets per employee ($millions) | 5.8389% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6729% | 6,139 |
| Loan loss allowance to noncurrent loans | 69.2926% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 1.2799% | 2,406 |
| Noncurrent loans to loans | 0.9711% | 3,136 |
| Net loans and leases to total assets | 72.6374% | 1,738 |
| Net loans and leases to deposits | 86.7948% | 1,817 |
| Net loans and leases to core deposits | 91.9734% | 2,041 |
| Total domestic deposits to total assets | 83.6886% | 3,883 |
| Equity capital to assets | 8.3201% | 5,926 |
| Core capital (leverage) ratio | 8.8590% | 5,252 |
| Tier 1 risk-based capital ratio | 16.2374% | 2,934 |
| Total risk-based capital ratio | 17.1385% | 3,056 |
| Memoranda: | ||
| Average total assets | $86,229,500 | 4,972 |
| Average earning assets | $82,496,750 | 4,889 |
| Average equity | $6,951,250 | 5,473 |
| Average total loans | $61,988,500 | 4,464 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3501% | 2,381 |
| Cost of funding earning assets | 0.9919% | 266 |
| Net interest margin | 3.3582% | 4,361 |
| Noninterest income to average assets | 0.1422% | 6,110 |
| Noninterest expense to average assets | 2.1404% | 5,539 |
| Loan and lease loss provision to assets | 0.1352% | 1,831 |
| Net operating income to assets | 0.7077% | 3,797 |
| Return on assets (ROA) | 0.6785% | 4,050 |
| Pretax return on assets | 1.0352% | 3,343 |
| Return on Equity (ROE) | 8.5096% | 2,832 |
| Retained earnings to average equity (ytd only) | 8.5096% | 1,144 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7943% | 4,724 |
| Assets per employee ($millions) | 5.8046% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6349% | 6,262 |
| Loan loss allowance to noncurrent loans | 42.3855% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 1.6745% | 1,939 |
| Noncurrent loans to loans | 1.4978% | 2,325 |
| Net loans and leases to total assets | 71.5444% | 1,820 |
| Net loans and leases to deposits | 85.3317% | 1,882 |
| Net loans and leases to core deposits | 90.1099% | 2,117 |
| Total domestic deposits to total assets | 83.8427% | 3,976 |
| Equity capital to assets | 8.1085% | 6,088 |
| Core capital (leverage) ratio | 8.7712% | 5,305 |
| Tier 1 risk-based capital ratio | 15.9362% | 3,128 |
| Total risk-based capital ratio | 16.7748% | 3,293 |
| Memoranda: | ||
| Average total assets | $85,778,330 | 5,026 |
| Average earning assets | $82,067,000 | 4,935 |
| Average equity | $6,839,330 | 5,528 |
| Average total loans | $61,301,670 | 4,504 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3479% | 2,343 |
| Cost of funding earning assets | 0.9826% | 296 |
| Net interest margin | 3.3653% | 4,273 |
| Noninterest income to average assets | 0.1551% | 6,039 |
| Noninterest expense to average assets | 2.1425% | 5,594 |
| Loan and lease loss provision to assets | 0.1175% | 2,012 |
| Net operating income to assets | 0.7355% | 3,513 |
| Return on assets (ROA) | 0.6766% | 3,891 |
| Pretax return on assets | 1.0243% | 3,232 |
| Return on Equity (ROE) | 8.5600% | 2,665 |
| Retained earnings to average equity (ytd only) | 8.5600% | 1,398 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5097% | 4,936 |
| Assets per employee ($millions) | 5.6609% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6021% | 6,406 |
| Loan loss allowance to noncurrent loans | 45.9698% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 1.7618% | 1,995 |
| Noncurrent loans to loans | 1.3099% | 2,841 |
| Net loans and leases to total assets | 70.9573% | 1,728 |
| Net loans and leases to deposits | 83.6473% | 1,856 |
| Net loans and leases to core deposits | 88.0645% | 2,085 |
| Total domestic deposits to total assets | 84.8292% | 3,943 |
| Equity capital to assets | 8.0671% | 6,008 |
| Core capital (leverage) ratio | 8.6508% | 5,457 |
| Tier 1 risk-based capital ratio | 16.3400% | 2,983 |
| Total risk-based capital ratio | 17.1456% | 3,181 |
| Memoranda: | ||
| Average total assets | $85,133,000 | 5,084 |
| Average earning assets | $81,418,000 | 4,991 |
| Average equity | $6,729,000 | 5,583 |
| Average total loans | $60,607,000 | 4,568 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3957% | 2,607 |
| Cost of funding earning assets | 1.0840% | 310 |
| Net interest margin | 3.3117% | 4,619 |
| Noninterest income to average assets | 0.3115% | 5,111 |
| Noninterest expense to average assets | 2.3132% | 5,338 |
| Loan and lease loss provision to assets | 0.1643% | 2,223 |
| Net operating income to assets | 0.6761% | 3,913 |
| Return on assets (ROA) | 0.6778% | 3,993 |
| Pretax return on assets | 1.0112% | 3,306 |
| Return on Equity (ROE) | 8.3606% | 2,851 |
| Retained earnings to average equity (ytd only) | 7.1148% | 1,394 |
| Net charge-offs to loans | 0.1979% | 2,884 |
| Credit loss provision to net charge-offs | 116.3793% | 2,072 |
| Earnings coverage of net charge-offs (x) | 8.3103% | 2,691 |
| Efficiency ratio | 66.3525% | 4,500 |
| Assets per employee ($millions) | 5.3346% | 1,814 |
| Cash dividends to net income (ytd only)* | 14.9013% | 3,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5611% | 6,510 |
| Loan loss allowance to noncurrent loans | 42.5000% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 1.7726% | 2,085 |
| Noncurrent loans to loans | 1.3202% | 2,931 |
| Net loans and leases to total assets | 70.5974% | 1,922 |
| Net loans and leases to deposits | 83.0478% | 2,048 |
| Net loans and leases to core deposits | 87.3910% | 2,303 |
| Total domestic deposits to total assets | 85.0081% | 3,747 |
| Equity capital to assets | 7.7420% | 6,164 |
| Core capital (leverage) ratio | 8.4056% | 5,772 |
| Tier 1 risk-based capital ratio | 15.9317% | 3,126 |
| Total risk-based capital ratio | 16.6795% | 3,365 |
| Memoranda: | ||
| Average total assets | $82,181,200 | 5,186 |
| Average earning assets | $78,781,600 | 5,064 |
| Average equity | $6,662,200 | 5,656 |
| Average total loans | $58,603,400 | 4,660 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3882% | 2,633 |
| Cost of funding earning assets | 1.0812% | 344 |
| Net interest margin | 3.3069% | 4,609 |
| Noninterest income to average assets | 0.3489% | 4,894 |
| Noninterest expense to average assets | 2.3049% | 5,325 |
| Loan and lease loss provision to assets | 0.1720% | 2,114 |
| Net operating income to assets | 0.6984% | 3,869 |
| Return on assets (ROA) | 0.7061% | 3,960 |
| Pretax return on assets | 1.0550% | 3,281 |
| Return on Equity (ROE) | 8.6080% | 2,834 |
| Retained earnings to average equity (ytd only) | 8.6080% | 1,192 |
| Net charge-offs to loans | 0.2662% | 2,223 |
| Credit loss provision to net charge-offs | 90.5172% | 2,627 |
| Earnings coverage of net charge-offs (x) | 6.3967% | 2,984 |
| Efficiency ratio | 65.4723% | 4,582 |
| Assets per employee ($millions) | 5.3931% | 1,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5137% | 6,646 |
| Loan loss allowance to noncurrent loans | 20.4485% | 6,234 |
| Noncurrent assets plus other real estate owned to assets | 1.9689% | 2,057 |
| Noncurrent loans to loans | 2.5119% | 1,719 |
| Net loans and leases to total assets | 69.5816% | 2,035 |
| Net loans and leases to deposits | 81.5999% | 2,186 |
| Net loans and leases to core deposits | 85.4301% | 2,474 |
| Total domestic deposits to total assets | 85.2718% | 3,597 |
| Equity capital to assets | 7.5872% | 6,361 |
| Core capital (leverage) ratio | 8.5594% | 5,713 |
| Tier 1 risk-based capital ratio | 15.9491% | 3,224 |
| Total risk-based capital ratio | 16.6374% | 3,480 |
| Memoranda: | ||
| Average total assets | $81,388,250 | 5,250 |
| Average earning assets | $78,056,500 | 5,133 |
| Average equity | $6,675,750 | 5,723 |
| Average total loans | $58,105,000 | 4,722 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4228% | 2,481 |
| Cost of funding earning assets | 1.0808% | 363 |
| Net interest margin | 3.3419% | 4,412 |
| Noninterest income to average assets | 0.4539% | 4,136 |
| Noninterest expense to average assets | 2.3297% | 5,277 |
| Loan and lease loss provision to assets | 0.2106% | 1,801 |
| Net operating income to assets | 0.7431% | 3,605 |
| Return on assets (ROA) | 0.7548% | 3,691 |
| Pretax return on assets | 1.1335% | 2,960 |
| Return on Equity (ROE) | 8.9601% | 2,624 |
| Retained earnings to average equity (ytd only) | 8.9601% | 1,133 |
| Net charge-offs to loans | 0.4045% | 1,601 |
| Credit loss provision to net charge-offs | 72.4138% | 2,776 |
| Earnings coverage of net charge-offs (x) | 4.5603% | 3,096 |
| Efficiency ratio | 63.7174% | 4,909 |
| Assets per employee ($millions) | 5.1041% | 1,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5029% | 6,704 |
| Loan loss allowance to noncurrent loans | 22.0779% | 6,259 |
| Noncurrent assets plus other real estate owned to assets | 1.9372% | 2,239 |
| Noncurrent loans to loans | 2.2779% | 2,082 |
| Net loans and leases to total assets | 70.0132% | 1,880 |
| Net loans and leases to deposits | 81.2785% | 2,147 |
| Net loans and leases to core deposits | 84.9420% | 2,440 |
| Total domestic deposits to total assets | 86.1399% | 3,291 |
| Equity capital to assets | 7.9788% | 6,213 |
| Core capital (leverage) ratio | 8.7083% | 5,407 |
| Tier 1 risk-based capital ratio | 16.4290% | 2,970 |
| Total risk-based capital ratio | 17.1036% | 3,235 |
| Memoranda: | ||
| Average total assets | $79,754,330 | 5,322 |
| Average earning assets | $76,422,670 | 5,217 |
| Average equity | $6,718,670 | 5,752 |
| Average total loans | $57,356,000 | 4,774 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4557% | 2,332 |
| Cost of funding earning assets | 1.0715% | 429 |
| Net interest margin | 3.3842% | 4,178 |
| Noninterest income to average assets | 0.3452% | 4,928 |
| Noninterest expense to average assets | 2.3046% | 5,410 |
| Loan and lease loss provision to assets | 0.0305% | 4,075 |
| Net operating income to assets | 0.8243% | 3,027 |
| Return on assets (ROA) | 0.8477% | 3,051 |
| Pretax return on assets | 1.2843% | 2,278 |
| Return on Equity (ROE) | 9.7947% | 2,139 |
| Retained earnings to average equity (ytd only) | 9.7947% | 1,156 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3059% | 4,961 |
| Assets per employee ($millions) | 5.2996% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5653% | 6,743 |
| Loan loss allowance to noncurrent loans | 22.8671% | 6,266 |
| Noncurrent assets plus other real estate owned to assets | 2.2832% | 2,042 |
| Noncurrent loans to loans | 2.4723% | 2,086 |
| Net loans and leases to total assets | 72.3514% | 1,302 |
| Net loans and leases to deposits | 84.9770% | 1,475 |
| Net loans and leases to core deposits | 88.9458% | 1,812 |
| Total domestic deposits to total assets | 85.1423% | 3,967 |
| Equity capital to assets | 8.6459% | 5,863 |
| Core capital (leverage) ratio | 8.6910% | 5,341 |
| Tier 1 risk-based capital ratio | 16.0963% | 3,213 |
| Total risk-based capital ratio | 16.8602% | 3,432 |
| Memoranda: | ||
| Average total assets | $78,798,500 | 5,390 |
| Average earning assets | $75,408,500 | 5,284 |
| Average equity | $6,820,000 | 5,788 |
| Average total loans | $57,301,000 | 4,806 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6530% | 2,781 |
| Cost of funding earning assets | 1.0991% | 913 |
| Net interest margin | 3.5539% | 4,286 |
| Noninterest income to average assets | 0.1820% | 6,095 |
| Noninterest expense to average assets | 2.5410% | 4,961 |
| Loan and lease loss provision to assets | 0.2458% | 2,688 |
| Net operating income to assets | 0.5263% | 4,571 |
| Return on assets (ROA) | 0.6519% | 4,244 |
| Pretax return on assets | 0.9683% | 3,659 |
| Return on Equity (ROE) | 7.2633% | 3,491 |
| Retained earnings to average equity (ytd only) | 6.1284% | 2,000 |
| Net charge-offs to loans | 0.3578% | 2,842 |
| Credit loss provision to net charge-offs | 94.2708% | 3,301 |
| Earnings coverage of net charge-offs (x) | 3.9375% | 3,538 |
| Efficiency ratio | 71.2219% | 3,585 |
| Assets per employee ($millions) | 5.2069% | 1,977 |
| Cash dividends to net income (ytd only)* | 15.6250% | 3,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5655% | 6,796 |
| Loan loss allowance to noncurrent loans | 32.8221% | 5,946 |
| Noncurrent assets plus other real estate owned to assets | 1.8668% | 2,618 |
| Noncurrent loans to loans | 1.7230% | 3,027 |
| Net loans and leases to total assets | 72.2623% | 1,451 |
| Net loans and leases to deposits | 85.2360% | 1,612 |
| Net loans and leases to core deposits | 89.2895% | 1,926 |
| Total domestic deposits to total assets | 84.7791% | 3,956 |
| Equity capital to assets | 8.6642% | 5,888 |
| Core capital (leverage) ratio | 8.7899% | 5,196 |
| Tier 1 risk-based capital ratio | 16.3396% | 2,974 |
| Total risk-based capital ratio | 17.1212% | 3,191 |
| Memoranda: | ||
| Average total assets | $73,631,000 | 5,522 |
| Average earning assets | $70,148,000 | 5,428 |
| Average equity | $6,608,600 | 5,868 |
| Average total loans | $53,660,400 | 4,958 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6800% | 2,891 |
| Cost of funding earning assets | 1.0986% | 1,067 |
| Net interest margin | 3.5814% | 4,317 |
| Noninterest income to average assets | 0.2537% | 5,753 |
| Noninterest expense to average assets | 2.4547% | 5,229 |
| Loan and lease loss provision to assets | 0.3218% | 2,052 |
| Net operating income to assets | 0.5881% | 4,445 |
| Return on assets (ROA) | 0.6840% | 4,248 |
| Pretax return on assets | 1.0334% | 3,591 |
| Return on Equity (ROE) | 7.5505% | 3,504 |
| Retained earnings to average equity (ytd only) | 7.5505% | 1,824 |
| Net charge-offs to loans | 0.4840% | 2,163 |
| Credit loss provision to net charge-offs | 91.1458% | 3,266 |
| Earnings coverage of net charge-offs (x) | 3.4271% | 3,651 |
| Efficiency ratio | 66.9844% | 4,250 |
| Assets per employee ($millions) | 4.8942% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5752% | 6,890 |
| Loan loss allowance to noncurrent loans | 23.0263% | 6,411 |
| Noncurrent assets plus other real estate owned to assets | 2.4655% | 2,145 |
| Noncurrent loans to loans | 2.4982% | 2,300 |
| Net loans and leases to total assets | 74.1613% | 1,227 |
| Net loans and leases to deposits | 88.5960% | 1,284 |
| Net loans and leases to core deposits | 91.4825% | 1,828 |
| Total domestic deposits to total assets | 83.7072% | 4,354 |
| Equity capital to assets | 9.2681% | 5,510 |
| Core capital (leverage) ratio | 9.0876% | 4,932 |
| Tier 1 risk-based capital ratio | 16.9156% | 2,777 |
| Total risk-based capital ratio | 17.7156% | 2,984 |
| Memoranda: | ||
| Average total assets | $72,513,000 | 5,622 |
| Average earning assets | $69,058,000 | 5,523 |
| Average equity | $6,569,000 | 5,944 |
| Average total loans | $52,885,500 | 5,038 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6320% | 3,224 |
| Cost of funding earning assets | 1.1106% | 1,172 |
| Net interest margin | 3.5214% | 4,586 |
| Noninterest income to average assets | 0.2770% | 5,594 |
| Noninterest expense to average assets | 2.3929% | 5,482 |
| Loan and lease loss provision to assets | 0.4791% | 1,322 |
| Net operating income to assets | 0.4926% | 4,848 |
| Return on assets (ROA) | 0.6370% | 4,435 |
| Pretax return on assets | 0.9694% | 3,821 |
| Return on Equity (ROE) | 7.0871% | 3,732 |
| Retained earnings to average equity (ytd only) | 7.0871% | 2,052 |
| Net charge-offs to loans | 0.6429% | 1,711 |
| Credit loss provision to net charge-offs | 102.9762% | 2,649 |
| Earnings coverage of net charge-offs (x) | 2.6429% | 3,685 |
| Efficiency ratio | 66.0550% | 4,521 |
| Assets per employee ($millions) | 5.2446% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6349% | 6,896 |
| Loan loss allowance to noncurrent loans | 20.8411% | 6,493 |
| Noncurrent assets plus other real estate owned to assets | 2.7974% | 1,972 |
| Noncurrent loans to loans | 3.0462% | 1,931 |
| Net loans and leases to total assets | 71.8366% | 1,586 |
| Net loans and leases to deposits | 84.3154% | 1,814 |
| Net loans and leases to core deposits | 86.9937% | 2,314 |
| Total domestic deposits to total assets | 85.1999% | 3,768 |
| Equity capital to assets | 8.9697% | 5,729 |
| Core capital (leverage) ratio | 8.8264% | 5,172 |
| Tier 1 risk-based capital ratio | 16.1980% | 3,068 |
| Total risk-based capital ratio | 17.0373% | 3,256 |
| Memoranda: | ||
| Average total assets | $72,213,000 | 5,661 |
| Average earning assets | $68,609,670 | 5,571 |
| Average equity | $6,490,670 | 5,987 |
| Average total loans | $52,261,000 | 5,101 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8175% | 2,565 |
| Cost of funding earning assets | 1.1356% | 1,236 |
| Net interest margin | 3.6819% | 3,915 |
| Noninterest income to average assets | 0.2961% | 5,501 |
| Noninterest expense to average assets | 2.3852% | 5,523 |
| Loan and lease loss provision to assets | 0.1955% | 2,986 |
| Net operating income to assets | 0.7925% | 3,411 |
| Return on assets (ROA) | 0.8211% | 3,528 |
| Pretax return on assets | 1.2736% | 2,635 |
| Return on Equity (ROE) | 9.1262% | 2,772 |
| Retained earnings to average equity (ytd only) | 9.1262% | 1,542 |
| Net charge-offs to loans | 0.5477% | 1,720 |
| Credit loss provision to net charge-offs | 49.2958% | 3,302 |
| Earnings coverage of net charge-offs (x) | 3.5915% | 2,797 |
| Efficiency ratio | 62.6100% | 5,173 |
| Assets per employee ($millions) | 6.0359% | 1,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5666% | 7,014 |
| Loan loss allowance to noncurrent loans | 18.8175% | 6,601 |
| Noncurrent assets plus other real estate owned to assets | 2.2960% | 2,591 |
| Noncurrent loans to loans | 3.0112% | 2,145 |
| Net loans and leases to total assets | 71.7138% | 1,451 |
| Net loans and leases to deposits | 84.4945% | 1,597 |
| Net loans and leases to core deposits | 86.8452% | 2,191 |
| Total domestic deposits to total assets | 84.8739% | 4,098 |
| Equity capital to assets | 8.9727% | 5,536 |
| Core capital (leverage) ratio | 8.9182% | 4,972 |
| Tier 1 risk-based capital ratio | 16.6308% | 2,853 |
| Total risk-based capital ratio | 17.3990% | 3,064 |
| Memoranda: | ||
| Average total assets | $71,607,000 | 5,726 |
| Average earning assets | $68,334,000 | 5,619 |
| Average equity | $6,443,000 | 6,027 |
| Average total loans | $51,850,000 | 5,151 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0797% | 2,533 |
| Cost of funding earning assets | 1.4135% | 981 |
| Net interest margin | 3.6662% | 4,447 |
| Noninterest income to average assets | 0.1111% | 6,596 |
| Noninterest expense to average assets | 2.5752% | 5,183 |
| Loan and lease loss provision to assets | 0.1552% | 4,686 |
| Net operating income to assets | 0.5556% | 4,207 |
| Return on assets (ROA) | 0.5586% | 4,382 |
| Pretax return on assets | 0.8630% | 3,730 |
| Return on Equity (ROE) | 5.9803% | 3,877 |
| Retained earnings to average equity (ytd only) | 5.0515% | 2,602 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7557% | 3,621 |
| Assets per employee ($millions) | 5.8986% | 1,305 |
| Cash dividends to net income (ytd only)* | 15.5313% | 3,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6451% | 6,969 |
| Loan loss allowance to noncurrent loans | 23.9538% | 6,478 |
| Noncurrent assets plus other real estate owned to assets | 1.9581% | 3,023 |
| Noncurrent loans to loans | 2.6933% | 2,414 |
| Net loans and leases to total assets | 72.2334% | 1,604 |
| Net loans and leases to deposits | 85.6863% | 1,704 |
| Net loans and leases to core deposits | 88.1383% | 2,358 |
| Total domestic deposits to total assets | 84.2999% | 4,187 |
| Equity capital to assets | 9.0234% | 5,521 |
| Core capital (leverage) ratio | 9.0468% | 4,697 |
| Tier 1 risk-based capital ratio | 17.1880% | 2,521 |
| Total risk-based capital ratio | 18.1013% | 2,632 |
| Memoranda: | ||
| Average total assets | $65,703,800 | 5,874 |
| Average earning assets | $62,326,600 | 5,795 |
| Average equity | $6,136,800 | 6,118 |
| Average total loans | $47,877,200 | 5,353 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1410% | 2,421 |
| Cost of funding earning assets | 1.4845% | 919 |
| Net interest margin | 3.6566% | 4,541 |
| Noninterest income to average assets | 0.1200% | 6,661 |
| Noninterest expense to average assets | 2.4852% | 5,514 |
| Loan and lease loss provision to assets | 0.1283% | 4,829 |
| Net operating income to assets | 0.6195% | 4,011 |
| Return on assets (ROA) | 0.6208% | 4,183 |
| Pretax return on assets | 0.9746% | 3,501 |
| Return on Equity (ROE) | 6.5850% | 3,722 |
| Retained earnings to average equity (ytd only) | 6.5850% | 2,202 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3018% | 4,076 |
| Assets per employee ($millions) | 6.1776% | 1,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6075% | 7,073 |
| Loan loss allowance to noncurrent loans | 21.8727% | 6,625 |
| Noncurrent assets plus other real estate owned to assets | 1.9646% | 3,186 |
| Noncurrent loans to loans | 2.7773% | 2,506 |
| Net loans and leases to total assets | 70.3079% | 2,018 |
| Net loans and leases to deposits | 85.4840% | 1,757 |
| Net loans and leases to core deposits | 88.0828% | 2,476 |
| Total domestic deposits to total assets | 82.2468% | 4,990 |
| Equity capital to assets | 9.2945% | 5,392 |
| Core capital (leverage) ratio | 9.5098% | 4,133 |
| Tier 1 risk-based capital ratio | 17.8056% | 2,330 |
| Total risk-based capital ratio | 18.6408% | 2,459 |
| Memoranda: | ||
| Average total assets | $64,434,000 | 5,958 |
| Average earning assets | $61,075,750 | 5,867 |
| Average equity | $6,074,250 | 6,181 |
| Average total loans | $46,981,250 | 5,424 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2242% | 2,168 |
| Cost of funding earning assets | 1.5636% | 803 |
| Net interest margin | 3.6606% | 4,470 |
| Noninterest income to average assets | 0.1328% | 6,657 |
| Noninterest expense to average assets | 2.5039% | 5,518 |
| Loan and lease loss provision to assets | 0.1581% | 4,341 |
| Net operating income to assets | 0.5987% | 4,070 |
| Return on assets (ROA) | 0.6007% | 4,197 |
| Pretax return on assets | 0.9453% | 3,451 |
| Return on Equity (ROE) | 6.3400% | 3,772 |
| Retained earnings to average equity (ytd only) | 6.3400% | 2,218 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4737% | 4,215 |
| Assets per employee ($millions) | 5.7785% | 1,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6056% | 7,129 |
| Loan loss allowance to noncurrent loans | 37.8378% | 5,779 |
| Noncurrent assets plus other real estate owned to assets | 1.1642% | 4,563 |
| Noncurrent loans to loans | 1.6004% | 3,996 |
| Net loans and leases to total assets | 72.3031% | 1,730 |
| Net loans and leases to deposits | 85.6546% | 1,833 |
| Net loans and leases to core deposits | 87.9293% | 2,655 |
| Total domestic deposits to total assets | 84.4123% | 4,163 |
| Equity capital to assets | 9.6188% | 4,634 |
| Core capital (leverage) ratio | 9.6687% | 3,704 |
| Tier 1 risk-based capital ratio | 18.3537% | 2,057 |
| Total risk-based capital ratio | 19.1943% | 2,144 |
| Memoranda: | ||
| Average total assets | $63,260,670 | 6,038 |
| Average earning assets | $59,990,000 | 5,960 |
| Average equity | $5,993,670 | 6,233 |
| Average total loans | $46,618,670 | 5,490 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2466% | 2,064 |
| Cost of funding earning assets | 1.6287% | 731 |
| Net interest margin | 3.6179% | 4,493 |
| Noninterest income to average assets | 0.1331% | 6,746 |
| Noninterest expense to average assets | 2.6367% | 5,092 |
| Loan and lease loss provision to assets | 0.1268% | 4,413 |
| Net operating income to assets | 0.5134% | 4,440 |
| Return on assets (ROA) | 0.5134% | 4,521 |
| Pretax return on assets | 0.8050% | 3,885 |
| Return on Equity (ROE) | 5.4605% | 4,176 |
| Retained earnings to average equity (ytd only) | 5.4605% | 2,929 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8899% | 3,534 |
| Assets per employee ($millions) | 5.7322% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5333% | 7,263 |
| Loan loss allowance to noncurrent loans | 30.6748% | 6,260 |
| Noncurrent assets plus other real estate owned to assets | 1.2925% | 4,380 |
| Noncurrent loans to loans | 1.7386% | 3,902 |
| Net loans and leases to total assets | 73.9493% | 1,353 |
| Net loans and leases to deposits | 87.6334% | 1,501 |
| Net loans and leases to core deposits | 89.9616% | 2,351 |
| Total domestic deposits to total assets | 84.3848% | 4,331 |
| Equity capital to assets | 9.3682% | 4,626 |
| Core capital (leverage) ratio | 9.4990% | 3,812 |
| Tier 1 risk-based capital ratio | 18.0118% | 2,109 |
| Total risk-based capital ratio | 18.7624% | 2,255 |
| Memoranda: | ||
| Average total assets | $63,109,500 | 6,090 |
| Average earning assets | $59,924,500 | 5,997 |
| Average equity | $5,933,500 | 6,271 |
| Average total loans | $46,809,000 | 5,533 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6902% | 1,605 |
| Cost of funding earning assets | 2.0418% | 518 |
| Net interest margin | 3.6485% | 4,581 |
| Noninterest income to average assets | 0.2540% | 5,983 |
| Noninterest expense to average assets | 2.6129% | 5,361 |
| Loan and lease loss provision to assets | 0.1941% | 5,294 |
| Net operating income to assets | 0.7148% | 3,172 |
| Return on assets (ROA) | 0.7135% | 3,305 |
| Pretax return on assets | 0.8915% | 3,323 |
| Return on Equity (ROE) | 10.0588% | 1,908 |
| Retained earnings to average equity (ytd only) | 10.0588% | 512 |
| Net charge-offs to loans | 0.1788% | 5,252 |
| Credit loss provision to net charge-offs | 141.1765% | 2,667 |
| Earnings coverage of net charge-offs (x) | 7.9059% | 2,043 |
| Efficiency ratio | 70.6165% | 4,053 |
| Assets per employee ($millions) | 5.7423% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4921% | 7,362 |
| Loan loss allowance to noncurrent loans | 34.9544% | 5,987 |
| Noncurrent assets plus other real estate owned to assets | 1.0512% | 4,904 |
| Noncurrent loans to loans | 1.4078% | 4,371 |
| Net loans and leases to total assets | 73.6325% | 1,741 |
| Net loans and leases to deposits | 87.5730% | 1,851 |
| Net loans and leases to core deposits | 89.8866% | 2,787 |
| Total domestic deposits to total assets | 84.0814% | 4,322 |
| Equity capital to assets | 9.4356% | 4,494 |
| Core capital (leverage) ratio | 9.5502% | 3,643 |
| Tier 1 risk-based capital ratio | 18.1769% | 1,945 |
| Total risk-based capital ratio | 18.8727% | 2,089 |
| Memoranda: | ||
| Average total assets | $61,808,000 | 6,133 |
| Average earning assets | $58,380,800 | 6,049 |
| Average equity | $4,384,200 | 6,859 |
| Average total loans | $47,530,800 | 5,576 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7541% | 1,535 |
| Cost of funding earning assets | 2.1374% | 468 |
| Net interest margin | 3.6167% | 4,802 |
| Noninterest income to average assets | 0.2386% | 6,182 |
| Noninterest expense to average assets | 2.5530% | 5,500 |
| Loan and lease loss provision to assets | 0.2386% | 4,692 |
| Net operating income to assets | 0.6393% | 3,704 |
| Return on assets (ROA) | 0.6377% | 3,884 |
| Pretax return on assets | 0.8546% | 3,712 |
| Return on Equity (ROE) | 9.8237% | 2,198 |
| Retained earnings to average equity (ytd only) | 9.8237% | 839 |
| Net charge-offs to loans | 0.2374% | 4,523 |
| Credit loss provision to net charge-offs | 129.4118% | 3,130 |
| Earnings coverage of net charge-offs (x) | 5.9412% | 2,631 |
| Efficiency ratio | 69.9762% | 4,071 |
| Assets per employee ($millions) | 5.2201% | 1,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4596% | 7,489 |
| Loan loss allowance to noncurrent loans | 31.9767% | 6,214 |
| Noncurrent assets plus other real estate owned to assets | 1.1079% | 4,900 |
| Noncurrent loans to loans | 1.4374% | 4,460 |
| Net loans and leases to total assets | 76.0604% | 1,400 |
| Net loans and leases to deposits | 91.0646% | 1,569 |
| Net loans and leases to core deposits | 93.4894% | 2,594 |
| Total domestic deposits to total assets | 83.5236% | 4,361 |
| Equity capital to assets | 9.4858% | 4,868 |
| Core capital (leverage) ratio | 9.2787% | 4,237 |
| Tier 1 risk-based capital ratio | 17.4686% | 2,187 |
| Total risk-based capital ratio | 18.1241% | 2,347 |
| Memoranda: | ||
| Average total assets | $61,468,750 | 6,210 |
| Average earning assets | $57,951,250 | 6,127 |
| Average equity | $3,990,250 | 7,098 |
| Average total loans | $47,728,500 | 5,652 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8182% | 1,386 |
| Cost of funding earning assets | 2.2292% | 428 |
| Net interest margin | 3.5890% | 4,866 |
| Noninterest income to average assets | 0.1899% | 6,546 |
| Noninterest expense to average assets | 2.4886% | 5,751 |
| Loan and lease loss provision to assets | 0.3111% | 3,889 |
| Net operating income to assets | 0.5317% | 4,186 |
| Return on assets (ROA) | 0.5272% | 4,366 |
| Pretax return on assets | 0.7630% | 4,014 |
| Return on Equity (ROE) | 9.6417% | 2,231 |
| Retained earnings to average equity (ytd only) | 9.6417% | 930 |
| Net charge-offs to loans | 0.3565% | 3,570 |
| Credit loss provision to net charge-offs | 111.7647% | 3,629 |
| Earnings coverage of net charge-offs (x) | 3.8824% | 3,140 |
| Efficiency ratio | 69.7248% | 4,240 |
| Assets per employee ($millions) | 5.2787% | 1,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4311% | 7,577 |
| Loan loss allowance to noncurrent loans | 63.6646% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 6,170 |
| Noncurrent loans to loans | 0.6771% | 5,895 |
| Net loans and leases to total assets | 74.7537% | 1,749 |
| Net loans and leases to deposits | 85.5702% | 2,581 |
| Net loans and leases to core deposits | 87.8662% | 3,563 |
| Total domestic deposits to total assets | 87.3595% | 2,350 |
| Equity capital to assets | 5.4638% | 7,599 |
| Core capital (leverage) ratio | 5.5611% | 7,545 |
| Tier 1 risk-based capital ratio | 9.9495% | 7,051 |
| Total risk-based capital ratio | 10.5483% | 7,334 |
| Memoranda: | ||
| Average total assets | $61,078,000 | 6,264 |
| Average earning assets | $57,509,670 | 6,187 |
| Average equity | $3,339,670 | 7,314 |
| Average total loans | $47,683,000 | 5,697 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0085% | 968 |
| Cost of funding earning assets | 2.4062% | 299 |
| Net interest margin | 3.6023% | 4,719 |
| Noninterest income to average assets | 0.1535% | 6,869 |
| Noninterest expense to average assets | 2.4556% | 5,891 |
| Loan and lease loss provision to assets | 0.2669% | 3,890 |
| Net operating income to assets | 0.4938% | 4,420 |
| Return on assets (ROA) | 0.4938% | 4,554 |
| Pretax return on assets | 0.8274% | 3,754 |
| Return on Equity (ROE) | 9.0271% | 2,484 |
| Retained earnings to average equity (ytd only) | 9.0271% | 1,394 |
| Net charge-offs to loans | 0.4608% | 2,665 |
| Credit loss provision to net charge-offs | 72.7273% | 4,039 |
| Earnings coverage of net charge-offs (x) | 2.9818% | 3,059 |
| Efficiency ratio | 69.1729% | 4,478 |
| Assets per employee ($millions) | 5.4691% | 1,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3783% | 7,702 |
| Loan loss allowance to noncurrent loans | 101.6949% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.6134% | 5,984 |
| Noncurrent loans to loans | 0.3720% | 6,549 |
| Net loans and leases to total assets | 78.8015% | 1,010 |
| Net loans and leases to deposits | 91.0500% | 1,752 |
| Net loans and leases to core deposits | 93.8158% | 2,862 |
| Total domestic deposits to total assets | 86.5475% | 2,874 |
| Equity capital to assets | 5.5303% | 7,674 |
| Core capital (leverage) ratio | 5.4867% | 7,654 |
| Tier 1 risk-based capital ratio | 9.7592% | 7,173 |
| Total risk-based capital ratio | 10.2885% | 7,477 |
| Memoranda: | ||
| Average total assets | $59,945,000 | 6,385 |
| Average earning assets | $56,519,500 | 6,300 |
| Average equity | $3,279,000 | 7,407 |
| Average total loans | $47,746,000 | 5,772 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1218% | 1,457 |
| Cost of funding earning assets | 3.0895% | 178 |
| Net interest margin | 3.0323% | 6,557 |
| Noninterest income to average assets | 0.0750% | 7,380 |
| Noninterest expense to average assets | 2.5490% | 5,957 |
| Loan and lease loss provision to assets | 0.1228% | 6,409 |
| Net operating income to assets | 0.2131% | 4,860 |
| Return on assets (ROA) | 0.2131% | 4,921 |
| Pretax return on assets | 0.2984% | 4,766 |
| Return on Equity (ROE) | 3.9200% | 4,127 |
| Retained earnings to average equity (ytd only) | 3.9200% | 2,469 |
| Net charge-offs to loans | 0.1710% | 5,578 |
| Credit loss provision to net charge-offs | 86.7470% | 6,108 |
| Earnings coverage of net charge-offs (x) | 2.9759% | 3,591 |
| Efficiency ratio | 85.8209% | 2,138 |
| Assets per employee ($millions) | 5.4300% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4071% | 7,753 |
| Loan loss allowance to noncurrent loans | 47.4453% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 0.7216% | 5,666 |
| Noncurrent loans to loans | 0.8579% | 5,581 |
| Net loans and leases to total assets | 79.8761% | 1,014 |
| Net loans and leases to deposits | 92.6750% | 1,789 |
| Net loans and leases to core deposits | 114.2399% | 2,480 |
| Total domestic deposits to total assets | 86.1895% | 2,911 |
| Equity capital to assets | 5.4093% | 7,749 |
| Core capital (leverage) ratio | 5.4949% | 7,713 |
| Tier 1 risk-based capital ratio | 9.6537% | 7,125 |
| Total risk-based capital ratio | 10.2338% | 7,495 |
| Memoranda: | ||
| Average total assets | $58,650,800 | 6,402 |
| Average earning assets | $55,996,400 | 6,291 |
| Average equity | $3,188,800 | 7,536 |
| Average total loans | $48,525,600 | 5,737 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1696% | 1,442 |
| Cost of funding earning assets | 3.2435% | 165 |
| Net interest margin | 2.9261% | 6,788 |
| Noninterest income to average assets | 0.0845% | 7,480 |
| Noninterest expense to average assets | 2.4779% | 6,152 |
| Loan and lease loss provision to assets | 0.0959% | 6,406 |
| Net operating income to assets | 0.2330% | 5,049 |
| Return on assets (ROA) | 0.2330% | 5,129 |
| Pretax return on assets | 0.3106% | 5,029 |
| Return on Equity (ROE) | 4.2791% | 4,259 |
| Retained earnings to average equity (ytd only) | 4.2791% | 2,884 |
| Net charge-offs to loans | 0.1890% | 4,885 |
| Credit loss provision to net charge-offs | 60.8696% | 6,155 |
| Earnings coverage of net charge-offs (x) | 2.5797% | 3,934 |
| Efficiency ratio | 85.9066% | 2,072 |
| Assets per employee ($millions) | 5.2841% | 1,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3754% | 7,842 |
| Loan loss allowance to noncurrent loans | 63.4752% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 0.5196% | 6,163 |
| Noncurrent loans to loans | 0.5914% | 6,126 |
| Net loans and leases to total assets | 81.7308% | 854 |
| Net loans and leases to deposits | 95.7338% | 1,616 |
| Net loans and leases to core deposits | 119.3348% | 2,306 |
| Total domestic deposits to total assets | 85.3729% | 3,041 |
| Equity capital to assets | 5.6069% | 7,907 |
| Core capital (leverage) ratio | 5.5124% | 7,866 |
| Tier 1 risk-based capital ratio | 9.8638% | 7,089 |
| Total risk-based capital ratio | 10.4118% | 7,557 |
| Memoranda: | ||
| Average total assets | $58,381,000 | 6,454 |
| Average earning assets | $55,863,500 | 6,341 |
| Average equity | $3,178,250 | 7,608 |
| Average total loans | $48,680,750 | 5,771 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1978% | 1,462 |
| Cost of funding earning assets | 3.3472% | 168 |
| Net interest margin | 2.8506% | 6,910 |
| Noninterest income to average assets | 0.0889% | 7,529 |
| Noninterest expense to average assets | 2.5382% | 5,990 |
| Loan and lease loss provision to assets | 0.0068% | 7,124 |
| Net operating income to assets | 0.2052% | 5,246 |
| Return on assets (ROA) | 0.2052% | 5,321 |
| Pretax return on assets | 0.2737% | 5,265 |
| Return on Equity (ROE) | 3.8079% | 4,576 |
| Retained earnings to average equity (ytd only) | 3.8079% | 3,175 |
| Net charge-offs to loans | 0.0041% | 6,557 |
| Credit loss provision to net charge-offs | 200.0000% | 2,268 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 469 |
| Efficiency ratio | 90.0485% | 1,804 |
| Assets per employee ($millions) | 4.4912% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4255% | 7,877 |
| Loan loss allowance to noncurrent loans | 74.4604% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 6,250 |
| Noncurrent loans to loans | 0.5714% | 6,121 |
| Net loans and leases to total assets | 82.9685% | 790 |
| Net loans and leases to deposits | 97.4159% | 1,611 |
| Net loans and leases to core deposits | 120.1766% | 2,358 |
| Total domestic deposits to total assets | 85.1694% | 3,178 |
| Equity capital to assets | 5.4311% | 8,014 |
| Core capital (leverage) ratio | 5.4745% | 7,987 |
| Tier 1 risk-based capital ratio | 9.6624% | 7,258 |
| Total risk-based capital ratio | 10.2914% | 7,688 |
| Memoranda: | ||
| Average total assets | $58,466,330 | 6,496 |
| Average earning assets | $55,987,670 | 6,386 |
| Average equity | $3,151,330 | 7,683 |
| Average total loans | $49,012,670 | 5,809 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0904% | 1,976 |
| Cost of funding earning assets | 3.4660% | 159 |
| Net interest margin | 2.6244% | 7,331 |
| Noninterest income to average assets | 0.0889% | 7,610 |
| Noninterest expense to average assets | 2.3655% | 6,319 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1846% | 5,704 |
| Return on assets (ROA) | 0.1846% | 5,881 |
| Pretax return on assets | 0.2393% | 5,849 |
| Return on Equity (ROE) | 3.4378% | 5,192 |
| Retained earnings to average equity (ytd only) | 3.4378% | 3,976 |
| Net charge-offs to loans | 0.0081% | 5,551 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 945 |
| Efficiency ratio | 90.8136% | 1,663 |
| Assets per employee ($millions) | 4.4652% | 2,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4037% | 7,940 |
| Loan loss allowance to noncurrent loans | 70.2509% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 0.4806% | 6,047 |
| Noncurrent loans to loans | 0.5746% | 5,971 |
| Net loans and leases to total assets | 83.3118% | 806 |
| Net loans and leases to deposits | 98.4067% | 1,606 |
| Net loans and leases to core deposits | 124.2581% | 2,062 |
| Total domestic deposits to total assets | 84.6607% | 3,386 |
| Equity capital to assets | 5.4404% | 8,076 |
| Core capital (leverage) ratio | 5.4693% | 8,083 |
| Tier 1 risk-based capital ratio | 9.7529% | 7,202 |
| Total risk-based capital ratio | 10.3561% | 7,742 |
| Memoranda: | ||
| Average total assets | $58,506,500 | 6,526 |
| Average earning assets | $56,088,000 | 6,412 |
| Average equity | $3,141,500 | 7,743 |
| Average total loans | $49,194,500 | 5,834 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4062% | 3,387 |
| Cost of funding earning assets | 3.9495% | 117 |
| Net interest margin | 2.4567% | 7,801 |
| Noninterest income to average assets | 0.0470% | 7,907 |
| Noninterest expense to average assets | 2.2951% | 6,718 |
| Loan and lease loss provision to assets | 0.0104% | 7,239 |
| Net operating income to assets | 0.0853% | 6,141 |
| Return on assets (ROA) | -0.1828% | 6,449 |
| Pretax return on assets | -0.1654% | 6,341 |
| Return on Equity (ROE) | -3.3329% | 6,662 |
| Retained earnings to average equity (ytd only) | -3.3329% | 6,186 |
| Net charge-offs to loans | -0.0121% | 7,872 |
| Credit loss provision to net charge-offs | -100.0000% | 7,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3001% | 1,201 |
| Assets per employee ($millions) | 4.5358% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3953% | 7,985 |
| Loan loss allowance to noncurrent loans | 28.5094% | 6,799 |
| Noncurrent assets plus other real estate owned to assets | 1.1719% | 3,916 |
| Noncurrent loans to loans | 1.3866% | 3,742 |
| Net loans and leases to total assets | 84.1773% | 859 |
| Net loans and leases to deposits | 99.6007% | 1,889 |
| Net loans and leases to core deposits | 129.4695% | 1,891 |
| Total domestic deposits to total assets | 84.5148% | 3,070 |
| Equity capital to assets | 5.2997% | 8,153 |
| Core capital (leverage) ratio | 5.3992% | 8,174 |
| Tier 1 risk-based capital ratio | 9.4879% | 7,319 |
| Total risk-based capital ratio | 10.0827% | 7,930 |
| Memoranda: | ||
| Average total assets | $57,426,200 | 6,474 |
| Average earning assets | $55,196,800 | 6,363 |
| Average equity | $3,150,400 | 7,788 |
| Average total loans | $49,663,800 | 5,720 |