Home > United Community Bank > Performance and Condition Ratios
United Community Bank, Performance and Condition Ratios
| 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 | 3.2741% | 5,507 |
| Cost of funding earning assets | 0.3118% | 4,310 |
| Net interest margin | 2.9622% | 5,308 |
| Noninterest income to average assets | 0.3915% | 4,073 |
| Noninterest expense to average assets | 2.7056% | 3,566 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4959% | 4,702 |
| Return on assets (ROA) | 0.4959% | 4,822 |
| Pretax return on assets | 0.4959% | 5,188 |
| Return on Equity (ROE) | 5.6165% | 4,221 |
| Retained earnings to average equity (ytd only) | 2.6604% | 4,354 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5109% | 1,316 |
| Assets per employee ($millions) | 3.3680% | 5,138 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 4,624 |
| Loan loss allowance to noncurrent loans | 28.9934% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 2.4198% | 900 |
| Noncurrent loans to loans | 3.7177% | 490 |
| Net loans and leases to total assets | 51.5779% | 4,701 |
| Net loans and leases to deposits | 56.6754% | 5,008 |
| Net loans and leases to core deposits | 60.3909% | 4,965 |
| Total domestic deposits to total assets | 91.0057% | 362 |
| Equity capital to assets | 8.6359% | 5,627 |
| Core capital (leverage) ratio | 8.7234% | 5,295 |
| Tier 1 risk-based capital ratio | 15.6531% | 3,079 |
| Total risk-based capital ratio | 16.6718% | 3,123 |
| Memoranda: | ||
| Average total assets | $45,979,000 | 5,818 |
| Average earning assets | $43,615,500 | 5,766 |
| Average equity | $4,059,500 | 6,042 |
| Average total loans | $25,477,000 | 5,700 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7137% | 4,739 |
| Cost of funding earning assets | 0.3447% | 4,313 |
| Net interest margin | 3.3691% | 4,334 |
| Noninterest income to average assets | 0.4529% | 3,812 |
| Noninterest expense to average assets | 2.9486% | 3,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5292% | 4,683 |
| Return on assets (ROA) | 0.5292% | 4,774 |
| Pretax return on assets | 0.5292% | 5,172 |
| Return on Equity (ROE) | 5.8859% | 4,208 |
| Retained earnings to average equity (ytd only) | 0.1496% | 5,707 |
| Net charge-offs to loans | 0.0262% | 4,299 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 33.7143% | 1,228 |
| Efficiency ratio | 84.7840% | 1,309 |
| Assets per employee ($millions) | 2.9871% | 5,715 |
| Cash dividends to net income (ytd only)* | 97.4576% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 5,013 |
| Loan loss allowance to noncurrent loans | 29.1209% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 2.5376% | 900 |
| Noncurrent loans to loans | 3.4510% | 600 |
| Net loans and leases to total assets | 58.2601% | 4,017 |
| Net loans and leases to deposits | 64.1203% | 4,517 |
| Net loans and leases to core deposits | 69.1570% | 4,393 |
| Total domestic deposits to total assets | 90.8606% | 411 |
| Equity capital to assets | 9.0323% | 5,251 |
| Core capital (leverage) ratio | 9.0462% | 4,913 |
| Tier 1 risk-based capital ratio | 14.9551% | 3,510 |
| Total risk-based capital ratio | 15.9344% | 3,594 |
| Memoranda: | ||
| Average total assets | $44,597,200 | 5,915 |
| Average earning assets | $40,040,600 | 5,917 |
| Average equity | $4,009,600 | 6,088 |
| Average total loans | $26,685,200 | 5,715 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7631% | 4,670 |
| Cost of funding earning assets | 0.3519% | 4,325 |
| Net interest margin | 3.4112% | 4,191 |
| Noninterest income to average assets | 0.4460% | 3,921 |
| Noninterest expense to average assets | 2.9453% | 2,974 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5178% | 4,813 |
| Return on assets (ROA) | 0.5178% | 4,874 |
| Pretax return on assets | 0.5178% | 5,270 |
| Return on Equity (ROE) | 5.7661% | 4,355 |
| Retained earnings to average equity (ytd only) | -1.8999% | 6,059 |
| Net charge-offs to loans | 0.0349% | 3,793 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 24.7224% | 1,530 |
| Efficiency ratio | 85.0475% | 1,282 |
| Assets per employee ($millions) | 3.1338% | 5,537 |
| Cash dividends to net income (ytd only)* | 132.9489% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9804% | 5,293 |
| Loan loss allowance to noncurrent loans | 29.0570% | 5,755 |
| Noncurrent assets plus other real estate owned to assets | 2.5961% | 994 |
| Noncurrent loans to loans | 3.3742% | 725 |
| Net loans and leases to total assets | 61.0034% | 3,627 |
| Net loans and leases to deposits | 67.1939% | 4,222 |
| Net loans and leases to core deposits | 72.5882% | 4,094 |
| Total domestic deposits to total assets | 90.7870% | 421 |
| Equity capital to assets | 9.0785% | 5,268 |
| Core capital (leverage) ratio | 8.8340% | 5,290 |
| Tier 1 risk-based capital ratio | 14.4291% | 3,924 |
| Total risk-based capital ratio | 15.3891% | 4,050 |
| Memoranda: | ||
| Average total assets | $44,545,000 | 5,986 |
| Average earning assets | $39,399,250 | 6,006 |
| Average equity | $4,000,250 | 6,159 |
| Average total loans | $26,764,250 | 5,768 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8155% | 4,467 |
| Cost of funding earning assets | 0.3572% | 4,347 |
| Net interest margin | 3.4583% | 3,948 |
| Noninterest income to average assets | 0.4691% | 3,726 |
| Noninterest expense to average assets | 2.9440% | 3,026 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5093% | 4,772 |
| Return on assets (ROA) | 0.5093% | 4,868 |
| Pretax return on assets | 0.5093% | 5,253 |
| Return on Equity (ROE) | 5.6915% | 4,330 |
| Retained earnings to average equity (ytd only) | -1.7973% | 5,967 |
| Net charge-offs to loans | 0.0525% | 3,215 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 16.2857% | 1,807 |
| Efficiency ratio | 85.2523% | 1,349 |
| Assets per employee ($millions) | 3.0653% | 5,660 |
| Cash dividends to net income (ytd only)* | 131.5789% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 5,337 |
| Loan loss allowance to noncurrent loans | 101.9231% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 1.0592% | 2,953 |
| Noncurrent loans to loans | 0.9832% | 3,269 |
| Net loans and leases to total assets | 56.9334% | 4,126 |
| Net loans and leases to deposits | 62.4729% | 4,646 |
| Net loans and leases to core deposits | 67.2110% | 4,531 |
| Total domestic deposits to total assets | 91.1331% | 368 |
| Equity capital to assets | 8.7081% | 5,607 |
| Core capital (leverage) ratio | 8.5989% | 5,531 |
| Tier 1 risk-based capital ratio | 14.2990% | 4,062 |
| Total risk-based capital ratio | 15.2453% | 4,203 |
| Memoranda: | ||
| Average total assets | $44,769,000 | 6,038 |
| Average earning assets | $38,631,670 | 6,086 |
| Average equity | $4,006,000 | 6,202 |
| Average total loans | $26,676,000 | 5,816 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8279% | 4,371 |
| Cost of funding earning assets | 0.3566% | 4,474 |
| Net interest margin | 3.4713% | 3,818 |
| Noninterest income to average assets | 0.3623% | 4,492 |
| Noninterest expense to average assets | 2.9798% | 2,939 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3804% | 5,190 |
| Return on assets (ROA) | 0.3804% | 5,264 |
| Pretax return on assets | 0.3804% | 5,515 |
| Return on Equity (ROE) | 4.1927% | 4,931 |
| Retained earnings to average equity (ytd only) | -6.7881% | 6,228 |
| Net charge-offs to loans | 0.0746% | 2,401 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 8.4000% | 2,026 |
| Efficiency ratio | 88.6792% | 1,159 |
| Assets per employee ($millions) | 3.1017% | 5,687 |
| Cash dividends to net income (ytd only)* | 261.9048% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 5,467 |
| Loan loss allowance to noncurrent loans | 48.4574% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 1.6722% | 2,113 |
| Noncurrent loans to loans | 2.0895% | 1,771 |
| Net loans and leases to total assets | 56.1053% | 4,136 |
| Net loans and leases to deposits | 61.4376% | 4,609 |
| Net loans and leases to core deposits | 62.8443% | 4,801 |
| Total domestic deposits to total assets | 91.3208% | 442 |
| Equity capital to assets | 8.5395% | 5,616 |
| Core capital (leverage) ratio | 9.1256% | 4,826 |
| Tier 1 risk-based capital ratio | 14.1781% | 4,206 |
| Total risk-based capital ratio | 15.1310% | 4,360 |
| Memoranda: | ||
| Average total assets | $44,163,500 | 6,112 |
| Average earning assets | $38,141,000 | 6,167 |
| Average equity | $4,007,000 | 6,250 |
| Average total loans | $26,792,500 | 5,861 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0815% | 3,810 |
| Cost of funding earning assets | 0.3660% | 4,994 |
| Net interest margin | 3.7155% | 2,995 |
| Noninterest income to average assets | 0.5407% | 3,471 |
| Noninterest expense to average assets | 3.2657% | 2,233 |
| Loan and lease loss provision to assets | 0.0121% | 4,884 |
| Net operating income to assets | 0.6686% | 3,946 |
| Return on assets (ROA) | 0.6686% | 4,042 |
| Pretax return on assets | 0.6686% | 4,642 |
| Return on Equity (ROE) | 6.9351% | 3,589 |
| Retained earnings to average equity (ytd only) | 0.6760% | 5,530 |
| Net charge-offs to loans | 0.0253% | 4,914 |
| Credit loss provision to net charge-offs | 71.4286% | 3,265 |
| Earnings coverage of net charge-offs (x) | 40.2857% | 941 |
| Efficiency ratio | 82.7523% | 1,784 |
| Assets per employee ($millions) | 2.7868% | 6,129 |
| Cash dividends to net income (ytd only)* | 90.2527% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 5,568 |
| Loan loss allowance to noncurrent loans | 80.0000% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 1.3564% | 2,717 |
| Noncurrent loans to loans | 1.2493% | 3,042 |
| Net loans and leases to total assets | 64.4539% | 2,961 |
| Net loans and leases to deposits | 71.4574% | 3,598 |
| Net loans and leases to core deposits | 73.8043% | 3,860 |
| Total domestic deposits to total assets | 90.1990% | 968 |
| Equity capital to assets | 9.6670% | 4,201 |
| Core capital (leverage) ratio | 9.6909% | 3,995 |
| Tier 1 risk-based capital ratio | 14.7849% | 3,794 |
| Total risk-based capital ratio | 15.7800% | 3,868 |
| Memoranda: | ||
| Average total assets | $41,430,200 | 6,243 |
| Average earning assets | $37,976,400 | 6,221 |
| Average equity | $3,994,200 | 6,327 |
| Average total loans | $27,649,000 | 5,866 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0561% | 3,908 |
| Cost of funding earning assets | 0.3573% | 5,225 |
| Net interest margin | 3.6988% | 3,036 |
| Noninterest income to average assets | 0.5257% | 3,628 |
| Noninterest expense to average assets | 3.2996% | 2,084 |
| Loan and lease loss provision to assets | 0.0161% | 4,690 |
| Net operating income to assets | 0.6161% | 4,278 |
| Return on assets (ROA) | 0.6161% | 4,404 |
| Pretax return on assets | 0.6161% | 4,963 |
| Return on Equity (ROE) | 6.3945% | 3,980 |
| Retained earnings to average equity (ytd only) | -1.9751% | 6,264 |
| Net charge-offs to loans | 0.0432% | 4,294 |
| Credit loss provision to net charge-offs | 55.5556% | 3,386 |
| Earnings coverage of net charge-offs (x) | 21.7775% | 1,532 |
| Efficiency ratio | 83.9212% | 1,608 |
| Assets per employee ($millions) | 2.9284% | 5,958 |
| Cash dividends to net income (ytd only)* | 130.8922% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 5,807 |
| Loan loss allowance to noncurrent loans | 53.8922% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 1.7757% | 2,309 |
| Noncurrent loans to loans | 1.8193% | 2,468 |
| Net loans and leases to total assets | 66.5106% | 2,559 |
| Net loans and leases to deposits | 76.3275% | 2,913 |
| Net loans and leases to core deposits | 78.9736% | 3,233 |
| Total domestic deposits to total assets | 87.1384% | 2,615 |
| Equity capital to assets | 9.6444% | 4,363 |
| Core capital (leverage) ratio | 9.5845% | 4,278 |
| Tier 1 risk-based capital ratio | 14.4301% | 4,125 |
| Total risk-based capital ratio | 15.4155% | 4,257 |
| Memoranda: | ||
| Average total assets | $41,337,250 | 6,320 |
| Average earning assets | $38,065,000 | 6,297 |
| Average equity | $3,982,500 | 6,409 |
| Average total loans | $27,757,500 | 5,916 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0574% | 3,892 |
| Cost of funding earning assets | 0.3569% | 5,341 |
| Net interest margin | 3.7004% | 2,958 |
| Noninterest income to average assets | 0.4825% | 3,947 |
| Noninterest expense to average assets | 3.1315% | 2,576 |
| Loan and lease loss provision to assets | 0.0241% | 4,434 |
| Net operating income to assets | 0.7286% | 3,677 |
| Return on assets (ROA) | 0.7286% | 3,842 |
| Pretax return on assets | 0.7286% | 4,584 |
| Return on Equity (ROE) | 7.5651% | 3,313 |
| Retained earnings to average equity (ytd only) | -2.9559% | 6,305 |
| Net charge-offs to loans | 0.0647% | 3,777 |
| Credit loss provision to net charge-offs | 55.5556% | 3,107 |
| Earnings coverage of net charge-offs (x) | 17.3333% | 1,611 |
| Efficiency ratio | 80.6211% | 2,075 |
| Assets per employee ($millions) | 2.9561% | 5,919 |
| Cash dividends to net income (ytd only)* | 139.0728% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9896% | 5,869 |
| Loan loss allowance to noncurrent loans | 61.9266% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 1.6020% | 2,715 |
| Noncurrent loans to loans | 1.5979% | 2,914 |
| Net loans and leases to total assets | 65.2773% | 2,715 |
| Net loans and leases to deposits | 72.3100% | 3,409 |
| Net loans and leases to core deposits | 74.0340% | 3,809 |
| Total domestic deposits to total assets | 90.2743% | 875 |
| Equity capital to assets | 9.5566% | 4,505 |
| Core capital (leverage) ratio | 9.6100% | 4,065 |
| Tier 1 risk-based capital ratio | 14.6606% | 3,992 |
| Total risk-based capital ratio | 15.6615% | 4,116 |
| Memoranda: | ||
| Average total assets | $41,450,330 | 6,364 |
| Average earning assets | $38,103,670 | 6,341 |
| Average equity | $3,992,000 | 6,452 |
| Average total loans | $27,830,670 | 5,941 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1451% | 3,535 |
| Cost of funding earning assets | 0.3481% | 5,553 |
| Net interest margin | 3.7971% | 2,462 |
| Noninterest income to average assets | 0.4339% | 4,223 |
| Noninterest expense to average assets | 3.0374% | 2,872 |
| Loan and lease loss provision to assets | 0.0482% | 3,816 |
| Net operating income to assets | 0.8196% | 3,048 |
| Return on assets (ROA) | 0.8196% | 3,189 |
| Pretax return on assets | 0.8196% | 4,088 |
| Return on Equity (ROE) | 8.4777% | 2,728 |
| Retained earnings to average equity (ytd only) | -0.4987% | 5,880 |
| Net charge-offs to loans | 0.1281% | 2,643 |
| Credit loss provision to net charge-offs | 55.5556% | 2,512 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,783 |
| Efficiency ratio | 77.7778% | 2,645 |
| Assets per employee ($millions) | 3.2037% | 5,618 |
| Cash dividends to net income (ytd only)* | 105.8824% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 6,092 |
| Loan loss allowance to noncurrent loans | 49.1803% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 2.3290% | 1,995 |
| Noncurrent loans to loans | 1.9606% | 2,662 |
| Net loans and leases to total assets | 66.5866% | 2,268 |
| Net loans and leases to deposits | 73.7769% | 2,947 |
| Net loans and leases to core deposits | 75.5208% | 3,382 |
| Total domestic deposits to total assets | 90.2540% | 904 |
| Equity capital to assets | 9.6235% | 4,674 |
| Core capital (leverage) ratio | 9.7190% | 3,772 |
| Tier 1 risk-based capital ratio | 14.3553% | 4,263 |
| Total risk-based capital ratio | 15.3223% | 4,412 |
| Memoranda: | ||
| Average total assets | $41,483,000 | 6,422 |
| Average earning assets | $37,924,000 | 6,404 |
| Average equity | $4,010,500 | 6,513 |
| Average total loans | $28,103,500 | 5,980 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4365% | 3,672 |
| Cost of funding earning assets | 0.4468% | 5,604 |
| Net interest margin | 3.9897% | 2,435 |
| Noninterest income to average assets | 0.4634% | 4,148 |
| Noninterest expense to average assets | 3.1968% | 2,625 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7980% | 3,294 |
| Return on assets (ROA) | 0.7980% | 3,544 |
| Pretax return on assets | 0.7980% | 4,302 |
| Return on Equity (ROE) | 8.5340% | 2,854 |
| Retained earnings to average equity (ytd only) | -1.7268% | 6,122 |
| Net charge-offs to loans | 0.0323% | 5,465 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 37.8889% | 845 |
| Efficiency ratio | 80.0234% | 2,146 |
| Assets per employee ($millions) | 2.9513% | 6,080 |
| Cash dividends to net income (ytd only)* | 120.2346% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 6,069 |
| Loan loss allowance to noncurrent loans | 44.3182% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 2.0935% | 2,342 |
| Noncurrent loans to loans | 2.1840% | 2,484 |
| Net loans and leases to total assets | 67.6025% | 2,260 |
| Net loans and leases to deposits | 76.7236% | 2,690 |
| Net loans and leases to core deposits | 77.8310% | 3,285 |
| Total domestic deposits to total assets | 88.1117% | 2,162 |
| Equity capital to assets | 9.7125% | 4,573 |
| Core capital (leverage) ratio | 9.5423% | 4,048 |
| Tier 1 risk-based capital ratio | 14.2275% | 4,218 |
| Total risk-based capital ratio | 15.1953% | 4,389 |
| Memoranda: | ||
| Average total assets | $42,730,200 | 6,404 |
| Average earning assets | $37,822,200 | 6,441 |
| Average equity | $3,995,800 | 6,569 |
| Average total loans | $27,833,400 | 6,042 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4548% | 3,806 |
| Cost of funding earning assets | 0.4628% | 5,699 |
| Net interest margin | 3.9920% | 2,535 |
| Noninterest income to average assets | 0.4518% | 4,277 |
| Noninterest expense to average assets | 3.1783% | 2,640 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7706% | 3,598 |
| Return on assets (ROA) | 0.7706% | 3,854 |
| Pretax return on assets | 0.7706% | 4,594 |
| Return on Equity (ROE) | 8.3174% | 3,126 |
| Retained earnings to average equity (ytd only) | -5.3779% | 6,636 |
| Net charge-offs to loans | 0.0433% | 5,046 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 27.6658% | 1,176 |
| Efficiency ratio | 80.4859% | 2,021 |
| Assets per employee ($millions) | 3.0531% | 5,958 |
| Cash dividends to net income (ytd only)* | 164.6586% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9599% | 6,219 |
| Loan loss allowance to noncurrent loans | 67.1569% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 1.5371% | 3,276 |
| Noncurrent loans to loans | 1.4293% | 3,657 |
| Net loans and leases to total assets | 66.1418% | 2,625 |
| Net loans and leases to deposits | 72.9235% | 3,461 |
| Net loans and leases to core deposits | 74.5248% | 3,905 |
| Total domestic deposits to total assets | 90.7002% | 521 |
| Equity capital to assets | 9.1734% | 5,624 |
| Core capital (leverage) ratio | 8.5733% | 5,662 |
| Tier 1 risk-based capital ratio | 13.9067% | 4,602 |
| Total risk-based capital ratio | 14.8785% | 4,757 |
| Memoranda: | ||
| Average total assets | $43,083,250 | 6,464 |
| Average earning assets | $37,741,500 | 6,521 |
| Average equity | $3,991,500 | 6,648 |
| Average total loans | $27,740,500 | 6,124 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4758% | 3,870 |
| Cost of funding earning assets | 0.4901% | 5,683 |
| Net interest margin | 3.9857% | 2,568 |
| Noninterest income to average assets | 0.4584% | 4,226 |
| Noninterest expense to average assets | 3.0280% | 3,156 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8565% | 3,105 |
| Return on assets (ROA) | 0.8565% | 3,375 |
| Pretax return on assets | 0.8565% | 4,250 |
| Return on Equity (ROE) | 9.2154% | 2,708 |
| Retained earnings to average equity (ytd only) | -6.2267% | 6,684 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9499% | 2,459 |
| Assets per employee ($millions) | 3.4151% | 5,183 |
| Cash dividends to net income (ytd only)* | 167.5676% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 6,050 |
| Loan loss allowance to noncurrent loans | 44.2879% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 2.2924% | 2,444 |
| Noncurrent loans to loans | 2.3187% | 2,579 |
| Net loans and leases to total assets | 57.0475% | 4,319 |
| Net loans and leases to deposits | 62.2959% | 4,961 |
| Net loans and leases to core deposits | 63.9478% | 5,213 |
| Total domestic deposits to total assets | 91.5752% | 299 |
| Equity capital to assets | 8.2763% | 6,395 |
| Core capital (leverage) ratio | 9.1116% | 4,748 |
| Tier 1 risk-based capital ratio | 13.8594% | 4,547 |
| Total risk-based capital ratio | 14.8506% | 4,710 |
| Memoranda: | ||
| Average total assets | $43,196,670 | 6,505 |
| Average earning assets | $37,133,000 | 6,583 |
| Average equity | $4,015,000 | 6,674 |
| Average total loans | $27,472,330 | 6,178 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5724% | 3,633 |
| Cost of funding earning assets | 0.4996% | 5,824 |
| Net interest margin | 4.0728% | 2,203 |
| Noninterest income to average assets | 0.5283% | 3,708 |
| Noninterest expense to average assets | 3.1793% | 2,671 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0174% | 2,411 |
| Return on assets (ROA) | 1.0174% | 2,603 |
| Pretax return on assets | 1.0174% | 3,618 |
| Return on Equity (ROE) | 10.2868% | 2,307 |
| Retained earnings to average equity (ytd only) | -7.5173% | 6,739 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7576% | 2,819 |
| Assets per employee ($millions) | 2.9654% | 6,229 |
| Cash dividends to net income (ytd only)* | 173.0769% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 6,102 |
| Loan loss allowance to noncurrent loans | 64.0271% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 2.1654% | 2,717 |
| Noncurrent loans to loans | 1.6318% | 3,662 |
| Net loans and leases to total assets | 64.5607% | 2,748 |
| Net loans and leases to deposits | 71.5548% | 3,498 |
| Net loans and leases to core deposits | 73.7765% | 3,923 |
| Total domestic deposits to total assets | 90.2255% | 957 |
| Equity capital to assets | 9.6493% | 4,584 |
| Core capital (leverage) ratio | 9.7676% | 3,688 |
| Tier 1 risk-based capital ratio | 14.6988% | 3,958 |
| Total risk-based capital ratio | 15.7371% | 4,079 |
| Memoranda: | ||
| Average total assets | $40,889,500 | 6,653 |
| Average earning assets | $36,829,500 | 6,649 |
| Average equity | $4,044,000 | 6,704 |
| Average total loans | $27,429,500 | 6,223 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6291% | 4,550 |
| Cost of funding earning assets | 0.6156% | 6,004 |
| Net interest margin | 4.0136% | 2,816 |
| Noninterest income to average assets | 0.4980% | 3,856 |
| Noninterest expense to average assets | 3.4107% | 2,213 |
| Loan and lease loss provision to assets | 0.1132% | 5,176 |
| Net operating income to assets | 0.6313% | 3,821 |
| Return on assets (ROA) | 0.6313% | 4,026 |
| Pretax return on assets | 0.6313% | 4,587 |
| Return on Equity (ROE) | 6.3493% | 3,716 |
| Retained earnings to average equity (ytd only) | 5.0845% | 2,574 |
| Net charge-offs to loans | 0.0346% | 5,967 |
| Credit loss provision to net charge-offs | 500.0000% | 453 |
| Earnings coverage of net charge-offs (x) | 32.8889% | 784 |
| Efficiency ratio | 82.0823% | 2,006 |
| Assets per employee ($millions) | 3.0972% | 5,906 |
| Cash dividends to net income (ytd only)* | 19.9203% | 3,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 6,125 |
| Loan loss allowance to noncurrent loans | 131.0185% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 1.7237% | 3,366 |
| Noncurrent loans to loans | 0.7777% | 5,127 |
| Net loans and leases to total assets | 68.2761% | 2,342 |
| Net loans and leases to deposits | 76.0590% | 3,171 |
| Net loans and leases to core deposits | 78.5070% | 3,624 |
| Total domestic deposits to total assets | 89.7673% | 1,120 |
| Equity capital to assets | 10.1383% | 3,986 |
| Core capital (leverage) ratio | 10.2749% | 2,997 |
| Tier 1 risk-based capital ratio | 14.8361% | 3,737 |
| Total risk-based capital ratio | 15.8647% | 3,871 |
| Memoranda: | ||
| Average total assets | $39,757,600 | 6,686 |
| Average earning assets | $36,227,200 | 6,669 |
| Average equity | $3,953,200 | 6,764 |
| Average total loans | $26,041,800 | 6,353 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6207% | 4,786 |
| Cost of funding earning assets | 0.6422% | 6,074 |
| Net interest margin | 3.9785% | 3,009 |
| Noninterest income to average assets | 0.5080% | 3,808 |
| Noninterest expense to average assets | 3.5762% | 1,765 |
| Loan and lease loss provision to assets | 0.1009% | 5,183 |
| Net operating income to assets | 0.4575% | 4,734 |
| Return on assets (ROA) | 0.4575% | 4,927 |
| Pretax return on assets | 0.4575% | 5,294 |
| Return on Equity (ROE) | 4.6246% | 4,709 |
| Retained earnings to average equity (ytd only) | 2.9243% | 4,601 |
| Net charge-offs to loans | 0.0417% | 5,567 |
| Credit loss provision to net charge-offs | 375.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 20.7432% | 1,207 |
| Efficiency ratio | 86.4931% | 1,485 |
| Assets per employee ($millions) | 3.0522% | 6,007 |
| Cash dividends to net income (ytd only)* | 36.7672% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0067% | 6,230 |
| Loan loss allowance to noncurrent loans | 138.6598% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 1.6936% | 3,549 |
| Noncurrent loans to loans | 0.7260% | 5,423 |
| Net loans and leases to total assets | 66.6692% | 2,752 |
| Net loans and leases to deposits | 74.1541% | 3,637 |
| Net loans and leases to core deposits | 76.5688% | 4,119 |
| Total domestic deposits to total assets | 89.9062% | 919 |
| Equity capital to assets | 9.9980% | 4,343 |
| Core capital (leverage) ratio | 10.0916% | 3,319 |
| Tier 1 risk-based capital ratio | 14.8800% | 3,733 |
| Total risk-based capital ratio | 15.8890% | 3,853 |
| Memoranda: | ||
| Average total assets | $39,631,250 | 6,747 |
| Average earning assets | $36,126,500 | 6,731 |
| Average equity | $3,921,000 | 6,827 |
| Average total loans | $25,609,000 | 6,445 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5404% | 5,216 |
| Cost of funding earning assets | 0.6816% | 6,062 |
| Net interest margin | 3.8588% | 3,494 |
| Noninterest income to average assets | 0.4948% | 3,910 |
| Noninterest expense to average assets | 3.5340% | 1,901 |
| Loan and lease loss provision to assets | 0.0757% | 5,367 |
| Net operating income to assets | 0.4291% | 4,817 |
| Return on assets (ROA) | 0.4291% | 4,965 |
| Pretax return on assets | 0.4291% | 5,299 |
| Return on Equity (ROE) | 4.3526% | 4,762 |
| Retained earnings to average equity (ytd only) | 1.7923% | 5,099 |
| Net charge-offs to loans | 0.0634% | 5,009 |
| Credit loss provision to net charge-offs | 187.5000% | 1,611 |
| Earnings coverage of net charge-offs (x) | 12.5000% | 1,624 |
| Efficiency ratio | 87.5000% | 1,461 |
| Assets per employee ($millions) | 3.0408% | 5,992 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 6,445 |
| Loan loss allowance to noncurrent loans | 118.1395% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 1.8669% | 3,412 |
| Noncurrent loans to loans | 0.8218% | 5,290 |
| Net loans and leases to total assets | 65.5410% | 3,130 |
| Net loans and leases to deposits | 72.8620% | 3,973 |
| Net loans and leases to core deposits | 75.2359% | 4,405 |
| Total domestic deposits to total assets | 89.9522% | 1,002 |
| Equity capital to assets | 9.9087% | 4,265 |
| Core capital (leverage) ratio | 9.7346% | 3,621 |
| Tier 1 risk-based capital ratio | 14.8743% | 3,568 |
| Total risk-based capital ratio | 15.8388% | 3,706 |
| Memoranda: | ||
| Average total assets | $39,615,670 | 6,799 |
| Average earning assets | $36,384,330 | 6,784 |
| Average equity | $3,905,670 | 6,871 |
| Average total loans | $25,238,000 | 6,529 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4430% | 5,544 |
| Cost of funding earning assets | 0.7240% | 6,008 |
| Net interest margin | 3.7189% | 4,004 |
| Noninterest income to average assets | 0.4539% | 4,247 |
| Noninterest expense to average assets | 3.5100% | 1,980 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3631% | 5,110 |
| Return on assets (ROA) | 0.3631% | 5,195 |
| Pretax return on assets | 0.3631% | 5,462 |
| Return on Equity (ROE) | 3.6923% | 5,044 |
| Retained earnings to average equity (ytd only) | 3.6923% | 3,958 |
| Net charge-offs to loans | 0.1292% | 3,740 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 2,465 |
| Efficiency ratio | 90.6250% | 1,275 |
| Assets per employee ($millions) | 3.0968% | 5,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9472% | 6,557 |
| Loan loss allowance to noncurrent loans | 113.8095% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 1.7884% | 3,589 |
| Noncurrent loans to loans | 0.8322% | 5,370 |
| Net loans and leases to total assets | 62.0830% | 3,840 |
| Net loans and leases to deposits | 68.8882% | 4,543 |
| Net loans and leases to core deposits | 71.0824% | 4,919 |
| Total domestic deposits to total assets | 90.1215% | 1,084 |
| Equity capital to assets | 9.7320% | 4,135 |
| Core capital (leverage) ratio | 9.8398% | 3,343 |
| Tier 1 risk-based capital ratio | 15.1350% | 3,352 |
| Total risk-based capital ratio | 16.0583% | 3,505 |
| Memoranda: | ||
| Average total assets | $39,658,000 | 6,845 |
| Average earning assets | $36,462,000 | 6,830 |
| Average equity | $3,900,000 | 6,911 |
| Average total loans | $24,775,500 | 6,598 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8627% | 5,188 |
| Cost of funding earning assets | 0.9427% | 5,966 |
| Net interest margin | 3.9200% | 3,398 |
| Noninterest income to average assets | 0.5279% | 3,974 |
| Noninterest expense to average assets | 3.6498% | 1,808 |
| Loan and lease loss provision to assets | 0.1340% | 5,831 |
| Net operating income to assets | 0.2653% | 5,054 |
| Return on assets (ROA) | 0.2653% | 5,219 |
| Pretax return on assets | 0.2653% | 5,324 |
| Return on Equity (ROE) | 2.5605% | 5,148 |
| Retained earnings to average equity (ytd only) | 1.7846% | 4,609 |
| Net charge-offs to loans | 0.0555% | 6,233 |
| Credit loss provision to net charge-offs | 384.6154% | 643 |
| Earnings coverage of net charge-offs (x) | 11.4615% | 1,606 |
| Efficiency ratio | 90.1390% | 1,315 |
| Assets per employee ($millions) | 3.0044% | 6,089 |
| Cash dividends to net income (ytd only)* | 30.3030% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0157% | 6,309 |
| Loan loss allowance to noncurrent loans | 106.0086% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 2.3018% | 2,969 |
| Noncurrent loans to loans | 0.9581% | 5,135 |
| Net loans and leases to total assets | 61.6304% | 4,365 |
| Net loans and leases to deposits | 68.7939% | 4,984 |
| Net loans and leases to core deposits | 70.5419% | 5,396 |
| Total domestic deposits to total assets | 89.5870% | 1,337 |
| Equity capital to assets | 9.9393% | 3,827 |
| Core capital (leverage) ratio | 10.0121% | 3,079 |
| Tier 1 risk-based capital ratio | 15.4188% | 3,035 |
| Total risk-based capital ratio | 16.3999% | 3,115 |
| Memoranda: | ||
| Average total assets | $37,317,600 | 6,963 |
| Average earning assets | $33,520,800 | 6,965 |
| Average equity | $3,866,400 | 7,041 |
| Average total loans | $23,402,400 | 6,755 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9618% | 4,986 |
| Cost of funding earning assets | 0.9899% | 5,984 |
| Net interest margin | 3.9719% | 3,229 |
| Noninterest income to average assets | 0.5314% | 3,931 |
| Noninterest expense to average assets | 3.4595% | 2,140 |
| Loan and lease loss provision to assets | 0.1265% | 5,760 |
| Net operating income to assets | 0.4844% | 4,383 |
| Return on assets (ROA) | 0.4844% | 4,580 |
| Pretax return on assets | 0.4844% | 4,979 |
| Return on Equity (ROE) | 4.6255% | 4,488 |
| Retained earnings to average equity (ytd only) | 3.5899% | 3,919 |
| Net charge-offs to loans | 0.0748% | 5,772 |
| Credit loss provision to net charge-offs | 269.2308% | 1,219 |
| Earnings coverage of net charge-offs (x) | 13.0023% | 1,633 |
| Efficiency ratio | 84.9911% | 1,732 |
| Assets per employee ($millions) | 2.8998% | 6,378 |
| Cash dividends to net income (ytd only)* | 22.3889% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9934% | 6,420 |
| Loan loss allowance to noncurrent loans | 86.2454% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 2.7296% | 2,654 |
| Noncurrent loans to loans | 1.1518% | 4,937 |
| Net loans and leases to total assets | 61.3375% | 4,660 |
| Net loans and leases to deposits | 68.5776% | 5,340 |
| Net loans and leases to core deposits | 70.3811% | 5,709 |
| Total domestic deposits to total assets | 89.4424% | 1,153 |
| Equity capital to assets | 10.3905% | 3,653 |
| Core capital (leverage) ratio | 10.3003% | 2,919 |
| Tier 1 risk-based capital ratio | 16.2101% | 2,664 |
| Total risk-based capital ratio | 17.1702% | 2,747 |
| Memoranda: | ||
| Average total assets | $36,882,750 | 7,062 |
| Average earning assets | $32,863,500 | 7,071 |
| Average equity | $3,862,500 | 7,128 |
| Average total loans | $23,173,500 | 6,852 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9810% | 5,026 |
| Cost of funding earning assets | 1.0367% | 5,976 |
| Net interest margin | 3.9443% | 3,261 |
| Noninterest income to average assets | 0.5080% | 4,044 |
| Noninterest expense to average assets | 3.4580% | 2,129 |
| Loan and lease loss provision to assets | 0.1912% | 4,967 |
| Net operating income to assets | 0.3715% | 4,887 |
| Return on assets (ROA) | 0.3715% | 5,050 |
| Pretax return on assets | 0.3715% | 5,302 |
| Return on Equity (ROE) | 3.5377% | 5,004 |
| Retained earnings to average equity (ytd only) | 3.5377% | 3,860 |
| Net charge-offs to loans | 0.1125% | 5,038 |
| Credit loss provision to net charge-offs | 269.2308% | 1,402 |
| Earnings coverage of net charge-offs (x) | 7.9231% | 2,215 |
| Efficiency ratio | 86.0054% | 1,706 |
| Assets per employee ($millions) | 3.1290% | 5,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9682% | 6,529 |
| Loan loss allowance to noncurrent loans | 53.7037% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 2.7272% | 2,652 |
| Noncurrent loans to loans | 1.8028% | 4,000 |
| Net loans and leases to total assets | 63.2018% | 4,417 |
| Net loans and leases to deposits | 70.6133% | 5,193 |
| Net loans and leases to core deposits | 72.4699% | 5,625 |
| Total domestic deposits to total assets | 89.5041% | 1,175 |
| Equity capital to assets | 10.3361% | 3,602 |
| Core capital (leverage) ratio | 10.3540% | 2,768 |
| Tier 1 risk-based capital ratio | 15.8189% | 2,751 |
| Total risk-based capital ratio | 16.7645% | 2,857 |
| Memoranda: | ||
| Average total assets | $36,611,000 | 7,126 |
| Average earning assets | $32,604,000 | 7,131 |
| Average equity | $3,844,330 | 7,169 |
| Average total loans | $23,113,000 | 6,906 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0309% | 4,876 |
| Cost of funding earning assets | 1.0942% | 5,937 |
| Net interest margin | 3.9367% | 3,163 |
| Noninterest income to average assets | 0.4980% | 4,062 |
| Noninterest expense to average assets | 3.4530% | 2,099 |
| Loan and lease loss provision to assets | 0.2213% | 4,284 |
| Net operating income to assets | 0.2877% | 5,342 |
| Return on assets (ROA) | 0.2877% | 5,476 |
| Pretax return on assets | 0.2877% | 5,644 |
| Return on Equity (ROE) | 2.7182% | 5,469 |
| Retained earnings to average equity (ytd only) | 2.7182% | 4,507 |
| Net charge-offs to loans | 0.2468% | 3,466 |
| Credit loss provision to net charge-offs | 142.8571% | 2,488 |
| Earnings coverage of net charge-offs (x) | 3.2857% | 2,951 |
| Efficiency ratio | 87.1508% | 1,669 |
| Assets per employee ($millions) | 2.8219% | 6,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9338% | 6,729 |
| Loan loss allowance to noncurrent loans | 54.1353% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 2.7014% | 2,695 |
| Noncurrent loans to loans | 1.7249% | 4,154 |
| Net loans and leases to total assets | 62.4669% | 4,664 |
| Net loans and leases to deposits | 69.9021% | 5,353 |
| Net loans and leases to core deposits | 71.1125% | 5,818 |
| Total domestic deposits to total assets | 89.3635% | 1,326 |
| Equity capital to assets | 10.4648% | 3,280 |
| Core capital (leverage) ratio | 10.5717% | 2,555 |
| Tier 1 risk-based capital ratio | 15.9593% | 2,672 |
| Total risk-based capital ratio | 16.8572% | 2,770 |
| Memoranda: | ||
| Average total assets | $36,142,500 | 7,228 |
| Average earning assets | $31,803,500 | 7,259 |
| Average equity | $3,826,000 | 7,244 |
| Average total loans | $22,688,000 | 7,005 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0006% | 6,432 |
| Cost of funding earning assets | 1.3867% | 5,987 |
| Net interest margin | 3.6139% | 4,504 |
| Noninterest income to average assets | 0.6486% | 3,304 |
| Noninterest expense to average assets | 3.7734% | 1,746 |
| Loan and lease loss provision to assets | 0.4561% | 4,090 |
| Net operating income to assets | -0.3080% | 5,979 |
| Return on assets (ROA) | -0.3080% | 5,976 |
| Pretax return on assets | -0.3080% | 5,838 |
| Return on Equity (ROE) | -2.6468% | 5,941 |
| Retained earnings to average equity (ytd only) | -3.6649% | 5,813 |
| Net charge-offs to loans | 0.8895% | 2,616 |
| Credit loss provision to net charge-offs | 81.0526% | 6,263 |
| Earnings coverage of net charge-offs (x) | 0.2632% | 5,852 |
| Efficiency ratio | 96.2236% | 1,304 |
| Assets per employee ($millions) | 2.7385% | 6,788 |
| Cash dividends to net income (ytd only)* | -38.4615% | 7,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9486% | 6,641 |
| Loan loss allowance to noncurrent loans | 41.2916% | 5,651 |
| Noncurrent assets plus other real estate owned to assets | 3.0983% | 2,242 |
| Noncurrent loans to loans | 2.2972% | 3,291 |
| Net loans and leases to total assets | 61.8904% | 5,012 |
| Net loans and leases to deposits | 69.4128% | 5,678 |
| Net loans and leases to core deposits | 79.5645% | 6,140 |
| Total domestic deposits to total assets | 89.1629% | 1,403 |
| Equity capital to assets | 10.7107% | 2,958 |
| Core capital (leverage) ratio | 10.9446% | 2,255 |
| Tier 1 risk-based capital ratio | 16.5437% | 2,299 |
| Total risk-based capital ratio | 17.4592% | 2,370 |
| Memoranda: | ||
| Average total assets | $33,762,800 | 7,336 |
| Average earning assets | $30,576,400 | 7,334 |
| Average equity | $3,929,200 | 7,317 |
| Average total loans | $21,360,200 | 7,120 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9518% | 6,757 |
| Cost of funding earning assets | 1.4385% | 6,087 |
| Net interest margin | 3.5133% | 4,812 |
| Noninterest income to average assets | 0.6566% | 3,315 |
| Noninterest expense to average assets | 3.7873% | 1,617 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.0961% | 5,474 |
| Return on assets (ROA) | 0.0961% | 5,530 |
| Pretax return on assets | 0.0961% | 5,537 |
| Return on Equity (ROE) | 0.8084% | 5,555 |
| Retained earnings to average equity (ytd only) | 0.1347% | 5,142 |
| Net charge-offs to loans | 0.2649% | 4,386 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 0.5714% | 5,463 |
| Efficiency ratio | 97.5258% | 1,184 |
| Assets per employee ($millions) | 2.6289% | 6,992 |
| Cash dividends to net income (ytd only)* | 83.3438% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9307% | 6,633 |
| Loan loss allowance to noncurrent loans | 16.6803% | 7,258 |
| Noncurrent assets plus other real estate owned to assets | 3.5785% | 1,843 |
| Noncurrent loans to loans | 5.5794% | 1,117 |
| Net loans and leases to total assets | 63.5417% | 4,962 |
| Net loans and leases to deposits | 72.0337% | 5,641 |
| Net loans and leases to core deposits | 81.6115% | 6,221 |
| Total domestic deposits to total assets | 88.2110% | 1,555 |
| Equity capital to assets | 11.5842% | 2,517 |
| Core capital (leverage) ratio | 11.5137% | 2,069 |
| Tier 1 risk-based capital ratio | 17.4744% | 2,126 |
| Total risk-based capital ratio | 18.3748% | 2,187 |
| Memoranda: | ||
| Average total assets | $33,303,500 | 7,414 |
| Average earning assets | $30,587,500 | 7,394 |
| Average equity | $3,958,250 | 7,376 |
| Average total loans | $21,139,250 | 7,192 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9297% | 6,967 |
| Cost of funding earning assets | 1.4789% | 6,224 |
| Net interest margin | 3.4508% | 4,982 |
| Noninterest income to average assets | 0.6119% | 3,587 |
| Noninterest expense to average assets | 3.6774% | 1,881 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.1151% | 5,518 |
| Return on assets (ROA) | 0.1151% | 5,615 |
| Pretax return on assets | 0.1151% | 5,644 |
| Return on Equity (ROE) | 0.9601% | 5,646 |
| Retained earnings to average equity (ytd only) | -0.0505% | 5,227 |
| Net charge-offs to loans | 0.3065% | 3,655 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 0.5938% | 5,120 |
| Efficiency ratio | 96.9649% | 1,312 |
| Assets per employee ($millions) | 2.4180% | 7,399 |
| Cash dividends to net income (ytd only)* | 105.2632% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 6,475 |
| Loan loss allowance to noncurrent loans | 19.3141% | 7,168 |
| Noncurrent assets plus other real estate owned to assets | 3.2731% | 1,900 |
| Noncurrent loans to loans | 4.9964% | 1,233 |
| Net loans and leases to total assets | 64.8765% | 4,785 |
| Net loans and leases to deposits | 73.6609% | 5,505 |
| Net loans and leases to core deposits | 82.5856% | 6,195 |
| Total domestic deposits to total assets | 88.0746% | 1,728 |
| Equity capital to assets | 11.6862% | 2,395 |
| Core capital (leverage) ratio | 11.6827% | 1,989 |
| Tier 1 risk-based capital ratio | 17.3190% | 2,206 |
| Total risk-based capital ratio | 18.2558% | 2,248 |
| Memoranda: | ||
| Average total assets | $33,012,670 | 7,485 |
| Average earning assets | $30,427,670 | 7,461 |
| Average equity | $3,958,000 | 7,432 |
| Average total loans | $20,879,000 | 7,274 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9387% | 7,076 |
| Cost of funding earning assets | 1.5216% | 6,339 |
| Net interest margin | 3.4170% | 5,068 |
| Noninterest income to average assets | 0.5523% | 3,901 |
| Noninterest expense to average assets | 3.6327% | 1,788 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.0614% | 6,091 |
| Return on assets (ROA) | 0.0614% | 6,247 |
| Pretax return on assets | 0.0614% | 6,251 |
| Return on Equity (ROE) | 0.5052% | 6,276 |
| Retained earnings to average equity (ytd only) | 0.5052% | 5,456 |
| Net charge-offs to loans | 0.3954% | 2,512 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.2500% | 4,776 |
| Efficiency ratio | 98.3389% | 1,199 |
| Assets per employee ($millions) | 2.5529% | 7,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 5,280 |
| Loan loss allowance to noncurrent loans | 24.6187% | 6,933 |
| Noncurrent assets plus other real estate owned to assets | 2.7661% | 2,048 |
| Noncurrent loans to loans | 4.5776% | 1,244 |
| Net loans and leases to total assets | 59.7445% | 5,699 |
| Net loans and leases to deposits | 68.0276% | 6,185 |
| Net loans and leases to core deposits | 76.1502% | 6,666 |
| Total domestic deposits to total assets | 87.8239% | 1,832 |
| Equity capital to assets | 11.9350% | 2,303 |
| Core capital (leverage) ratio | 12.0759% | 1,867 |
| Tier 1 risk-based capital ratio | 18.8064% | 1,858 |
| Total risk-based capital ratio | 19.8747% | 1,849 |
| Memoranda: | ||
| Average total assets | $32,593,000 | 7,545 |
| Average earning assets | $29,967,500 | 7,519 |
| Average equity | $3,959,000 | 7,470 |
| Average total loans | $20,230,500 | 7,349 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5488% | 7,196 |
| Cost of funding earning assets | 2.2248% | 5,482 |
| Net interest margin | 3.3240% | 5,954 |
| Noninterest income to average assets | 0.6205% | 3,711 |
| Noninterest expense to average assets | 3.9029% | 1,556 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.2368% | 6,665 |
| Return on assets (ROA) | -0.2368% | 6,509 |
| Pretax return on assets | -0.2368% | 6,400 |
| Return on Equity (ROE) | -1.9506% | 6,494 |
| Retained earnings to average equity (ytd only) | -2.4444% | 5,985 |
| Net charge-offs to loans | -0.1042% | 8,096 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4595% | 801 |
| Assets per employee ($millions) | 2.9089% | 6,269 |
| Cash dividends to net income (ytd only)* | -25.3165% | 7,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2104% | 4,452 |
| Loan loss allowance to noncurrent loans | 27.0241% | 6,891 |
| Noncurrent assets plus other real estate owned to assets | 2.8564% | 1,643 |
| Noncurrent loans to loans | 4.4789% | 1,067 |
| Net loans and leases to total assets | 63.0039% | 5,451 |
| Net loans and leases to deposits | 72.0386% | 6,057 |
| Net loans and leases to core deposits | 80.8340% | 6,548 |
| Total domestic deposits to total assets | 87.4586% | 1,724 |
| Equity capital to assets | 12.3664% | 2,077 |
| Core capital (leverage) ratio | 12.0780% | 1,927 |
| Tier 1 risk-based capital ratio | 18.5618% | 1,904 |
| Total risk-based capital ratio | 19.7204% | 1,870 |
| Memoranda: | ||
| Average total assets | $33,360,000 | 7,487 |
| Average earning assets | $30,565,200 | 7,489 |
| Average equity | $4,050,000 | 7,497 |
| Average total loans | $20,160,200 | 7,325 |