Home > Vibra Bank > Performance and Condition Ratios
Vibra 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 | 4.4760% | 1,529 |
| Cost of funding earning assets | 0.3783% | 3,546 |
| Net interest margin | 4.0976% | 1,283 |
| Noninterest income to average assets | 1.0307% | 1,053 |
| Noninterest expense to average assets | 4.8876% | 319 |
| Loan and lease loss provision to assets | -0.2336% | 6,281 |
| Net operating income to assets | -0.1110% | 6,109 |
| Return on assets (ROA) | -0.1110% | 6,132 |
| Pretax return on assets | 0.2978% | 5,655 |
| Return on Equity (ROE) | -1.0469% | 6,128 |
| Retained earnings to average equity (ytd only) | -1.0469% | 5,564 |
| 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 | 98.7028% | 410 |
| Assets per employee ($millions) | 4.1738% | 3,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3391% | 3,192 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 69.8936% | 2,160 |
| Net loans and leases to deposits | 78.7641% | 2,709 |
| Net loans and leases to core deposits | 88.2002% | 2,306 |
| Total domestic deposits to total assets | 88.7379% | 1,432 |
| Equity capital to assets | 10.8907% | 3,101 |
| Core capital (leverage) ratio | 10.1947% | 3,348 |
| Tier 1 risk-based capital ratio | 20.0308% | 1,605 |
| Total risk-based capital ratio | 21.2887% | 1,574 |
| Memoranda: | ||
| Average total assets | $136,998,500 | 3,860 |
| Average earning assets | $131,100,000 | 3,760 |
| Average equity | $14,519,000 | 3,990 |
| Average total loans | $91,867,000 | 3,617 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6003% | 1,556 |
| Cost of funding earning assets | 0.5157% | 2,528 |
| Net interest margin | 4.0846% | 1,629 |
| Noninterest income to average assets | 0.9940% | 1,229 |
| Noninterest expense to average assets | 4.4443% | 485 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6268% | 4,248 |
| Return on assets (ROA) | 0.6308% | 4,339 |
| Pretax return on assets | 0.4824% | 5,292 |
| Return on Equity (ROE) | 6.7747% | 3,752 |
| Retained earnings to average equity (ytd only) | 6.7747% | 1,505 |
| Net charge-offs to loans | 0.3081% | 1,430 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 2.2774% | 4,202 |
| Efficiency ratio | 90.2822% | 824 |
| Assets per employee ($millions) | 3.9009% | 4,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 2,419 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 62.4977% | 3,441 |
| Net loans and leases to deposits | 69.9720% | 3,912 |
| Net loans and leases to core deposits | 78.0875% | 3,511 |
| Total domestic deposits to total assets | 89.3181% | 1,061 |
| Equity capital to assets | 10.3194% | 3,698 |
| Core capital (leverage) ratio | 9.6785% | 4,004 |
| Tier 1 risk-based capital ratio | 18.9979% | 1,847 |
| Total risk-based capital ratio | 20.2557% | 1,809 |
| Memoranda: | ||
| Average total assets | $147,582,800 | 3,669 |
| Average earning assets | $141,946,600 | 3,570 |
| Average equity | $13,742,400 | 4,065 |
| Average total loans | $100,622,000 | 3,408 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6125% | 1,528 |
| Cost of funding earning assets | 0.5388% | 2,386 |
| Net interest margin | 4.0738% | 1,659 |
| Noninterest income to average assets | 0.7373% | 2,148 |
| Noninterest expense to average assets | 4.4425% | 490 |
| Loan and lease loss provision to assets | 0.0179% | 4,052 |
| Net operating income to assets | 0.2892% | 5,622 |
| Return on assets (ROA) | 0.2946% | 5,675 |
| Pretax return on assets | 0.2035% | 5,946 |
| Return on Equity (ROE) | 3.2460% | 5,450 |
| Retained earnings to average equity (ytd only) | 3.2460% | 4,315 |
| Net charge-offs to loans | 0.4032% | 980 |
| Credit loss provision to net charge-offs | 6.3898% | 3,745 |
| Earnings coverage of net charge-offs (x) | 0.7732% | 4,319 |
| Efficiency ratio | 95.3631% | 529 |
| Assets per employee ($millions) | 3.8974% | 4,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 3,571 |
| Loan loss allowance to noncurrent loans | 658.9372% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 5,625 |
| Noncurrent loans to loans | 0.1996% | 5,306 |
| Net loans and leases to total assets | 69.1076% | 2,345 |
| Net loans and leases to deposits | 76.5163% | 3,128 |
| Net loans and leases to core deposits | 86.2155% | 2,643 |
| Total domestic deposits to total assets | 90.3174% | 606 |
| Equity capital to assets | 9.3477% | 4,980 |
| Core capital (leverage) ratio | 8.6599% | 5,490 |
| Tier 1 risk-based capital ratio | 15.0155% | 3,577 |
| Total risk-based capital ratio | 16.2698% | 3,509 |
| Memoranda: | ||
| Average total assets | $149,370,000 | 3,665 |
| Average earning assets | $143,778,500 | 3,574 |
| Average equity | $13,555,000 | 4,118 |
| Average total loans | $103,498,750 | 3,381 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6170% | 1,488 |
| Cost of funding earning assets | 0.5541% | 2,313 |
| Net interest margin | 4.0629% | 1,630 |
| Noninterest income to average assets | 0.6703% | 2,428 |
| Noninterest expense to average assets | 4.5596% | 423 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0257% | 6,161 |
| Return on assets (ROA) | 0.0334% | 6,181 |
| Pretax return on assets | 0.0347% | 6,169 |
| Return on Equity (ROE) | 0.3715% | 6,170 |
| Retained earnings to average equity (ytd only) | 0.3715% | 5,588 |
| Net charge-offs to loans | 0.5666% | 723 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.0683% | 4,120 |
| Efficiency ratio | 99.4178% | 422 |
| Assets per employee ($millions) | 3.7662% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3568% | 3,556 |
| Loan loss allowance to noncurrent loans | 157.1429% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.5762% | 4,259 |
| Noncurrent loans to loans | 0.8634% | 3,542 |
| Net loans and leases to total assets | 65.8243% | 2,777 |
| Net loans and leases to deposits | 72.5109% | 3,500 |
| Net loans and leases to core deposits | 82.3955% | 2,925 |
| Total domestic deposits to total assets | 90.7785% | 479 |
| Equity capital to assets | 8.9407% | 5,372 |
| Core capital (leverage) ratio | 8.7630% | 5,322 |
| Tier 1 risk-based capital ratio | 15.7957% | 3,196 |
| Total risk-based capital ratio | 17.0506% | 3,127 |
| Memoranda: | ||
| Average total assets | $149,793,000 | 3,682 |
| Average earning assets | $144,380,330 | 3,589 |
| Average equity | $13,458,670 | 4,142 |
| Average total loans | $103,427,330 | 3,385 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4806% | 1,870 |
| Cost of funding earning assets | 0.5646% | 2,297 |
| Net interest margin | 3.9160% | 2,034 |
| Noninterest income to average assets | 0.9266% | 1,314 |
| Noninterest expense to average assets | 4.5767% | 424 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1205% | 5,982 |
| Return on assets (ROA) | 0.1366% | 5,989 |
| Pretax return on assets | 0.1366% | 6,028 |
| Return on Equity (ROE) | 1.5163% | 5,920 |
| Retained earnings to average equity (ytd only) | 1.5163% | 5,003 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4344% | 570 |
| Assets per employee ($millions) | 3.7534% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6020% | 2,695 |
| Loan loss allowance to noncurrent loans | 141.6239% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.7793% | 3,794 |
| Noncurrent loans to loans | 1.1312% | 3,160 |
| Net loans and leases to total assets | 67.7903% | 2,260 |
| Net loans and leases to deposits | 74.7432% | 2,985 |
| Net loans and leases to core deposits | 86.2722% | 2,295 |
| Total domestic deposits to total assets | 90.6977% | 687 |
| Equity capital to assets | 8.9739% | 5,144 |
| Core capital (leverage) ratio | 8.8493% | 5,197 |
| Tier 1 risk-based capital ratio | 15.5173% | 3,428 |
| Total risk-based capital ratio | 16.7764% | 3,390 |
| Memoranda: | ||
| Average total assets | $149,365,500 | 3,712 |
| Average earning assets | $143,819,000 | 3,627 |
| Average equity | $13,453,500 | 4,157 |
| Average total loans | $104,877,500 | 3,369 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9987% | 924 |
| Cost of funding earning assets | 0.5958% | 2,703 |
| Net interest margin | 4.4029% | 906 |
| Noninterest income to average assets | 1.1636% | 1,040 |
| Noninterest expense to average assets | 5.1795% | 305 |
| Loan and lease loss provision to assets | 0.3164% | 1,051 |
| Net operating income to assets | -0.0974% | 6,297 |
| Return on assets (ROA) | -0.0974% | 6,317 |
| Pretax return on assets | -0.0966% | 6,284 |
| Return on Equity (ROE) | -0.9276% | 6,317 |
| Retained earnings to average equity (ytd only) | -0.9276% | 6,048 |
| Net charge-offs to loans | 0.0529% | 4,483 |
| Credit loss provision to net charge-offs | 775.0000% | 316 |
| Earnings coverage of net charge-offs (x) | 5.3846% | 3,316 |
| Efficiency ratio | 95.9285% | 646 |
| Assets per employee ($millions) | 3.7149% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5585% | 2,923 |
| Loan loss allowance to noncurrent loans | 554.1806% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.2012% | 5,693 |
| Noncurrent loans to loans | 0.2812% | 5,338 |
| Net loans and leases to total assets | 70.4353% | 1,947 |
| Net loans and leases to deposits | 77.6756% | 2,768 |
| Net loans and leases to core deposits | 90.0475% | 2,018 |
| Total domestic deposits to total assets | 90.6788% | 714 |
| Equity capital to assets | 9.0406% | 4,983 |
| Core capital (leverage) ratio | 9.3568% | 4,461 |
| Tier 1 risk-based capital ratio | 15.3859% | 3,440 |
| Total risk-based capital ratio | 16.6445% | 3,383 |
| Memoranda: | ||
| Average total assets | $127,367,800 | 4,123 |
| Average earning assets | $122,532,800 | 4,002 |
| Average equity | $13,368,000 | 4,189 |
| Average total loans | $98,369,400 | 3,489 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1488% | 714 |
| Cost of funding earning assets | 0.5948% | 2,853 |
| Net interest margin | 4.5540% | 675 |
| Noninterest income to average assets | 0.9842% | 1,497 |
| Noninterest expense to average assets | 5.2869% | 284 |
| Loan and lease loss provision to assets | 0.2523% | 1,416 |
| Net operating income to assets | -0.1824% | 6,457 |
| Return on assets (ROA) | -0.1824% | 6,476 |
| Pretax return on assets | -0.1813% | 6,460 |
| Return on Equity (ROE) | -1.6677% | 6,466 |
| Retained earnings to average equity (ytd only) | -1.6677% | 6,225 |
| Net charge-offs to loans | 0.0249% | 4,630 |
| Credit loss provision to net charge-offs | 1,283.3333% | 250 |
| Earnings coverage of net charge-offs (x) | 3.6108% | 3,653 |
| Efficiency ratio | 98.6748% | 511 |
| Assets per employee ($millions) | 2.9695% | 5,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5013% | 3,446 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 72.9591% | 1,458 |
| Net loans and leases to deposits | 81.1742% | 2,247 |
| Net loans and leases to core deposits | 93.8259% | 1,589 |
| Total domestic deposits to total assets | 89.8797% | 1,069 |
| Equity capital to assets | 9.8055% | 4,173 |
| Core capital (leverage) ratio | 10.2397% | 3,344 |
| Tier 1 risk-based capital ratio | 15.9404% | 3,226 |
| Total risk-based capital ratio | 17.1975% | 3,176 |
| Memoranda: | ||
| Average total assets | $122,060,750 | 4,276 |
| Average earning assets | $117,227,750 | 4,143 |
| Average equity | $13,351,500 | 4,240 |
| Average total loans | $96,381,500 | 3,565 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2021% | 639 |
| Cost of funding earning assets | 0.5875% | 3,055 |
| Net interest margin | 4.6146% | 584 |
| Noninterest income to average assets | 0.8173% | 2,121 |
| Noninterest expense to average assets | 5.3577% | 282 |
| Loan and lease loss provision to assets | 0.3941% | 800 |
| Net operating income to assets | -0.5136% | 6,638 |
| Return on assets (ROA) | -0.5136% | 6,654 |
| Pretax return on assets | -0.5119% | 6,635 |
| Return on Equity (ROE) | -4.5136% | 6,628 |
| Retained earnings to average equity (ytd only) | -4.5136% | 6,428 |
| Net charge-offs to loans | 0.0148% | 4,552 |
| Credit loss provision to net charge-offs | 3,300.0000% | 95 |
| Earnings coverage of net charge-offs (x) | -9.8571% | 4,862 |
| Efficiency ratio | 102.2468% | 422 |
| Assets per employee ($millions) | 2.9287% | 5,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4870% | 3,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 80.4876% | 491 |
| Net loans and leases to deposits | 90.2793% | 1,118 |
| Net loans and leases to core deposits | 105.1517% | 787 |
| Total domestic deposits to total assets | 89.1539% | 1,540 |
| Equity capital to assets | 10.5284% | 3,260 |
| Core capital (leverage) ratio | 11.4671% | 1,960 |
| Tier 1 risk-based capital ratio | 15.5828% | 3,436 |
| Total risk-based capital ratio | 16.8401% | 3,382 |
| Memoranda: | ||
| Average total assets | $117,215,330 | 4,411 |
| Average earning assets | $112,339,330 | 4,283 |
| Average equity | $13,337,330 | 4,273 |
| Average total loans | $94,782,330 | 3,613 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1678% | 650 |
| Cost of funding earning assets | 0.5956% | 3,145 |
| Net interest margin | 4.5722% | 588 |
| Noninterest income to average assets | 0.7266% | 2,447 |
| Noninterest expense to average assets | 5.5717% | 256 |
| Loan and lease loss provision to assets | 0.8187% | 262 |
| Net operating income to assets | -1.2831% | 6,860 |
| Return on assets (ROA) | -1.2831% | 6,865 |
| Pretax return on assets | -1.2831% | 6,853 |
| Return on Equity (ROE) | -10.8250% | 6,820 |
| Retained earnings to average equity (ytd only) | -10.8250% | 6,645 |
| Net charge-offs to loans | 0.0353% | 3,528 |
| Credit loss provision to net charge-offs | 2,887.5000% | 108 |
| Earnings coverage of net charge-offs (x) | -16.3750% | 4,115 |
| Efficiency ratio | 109.0909% | 340 |
| Assets per employee ($millions) | 2.6806% | 6,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5792% | 3,490 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 82.6737% | 257 |
| Net loans and leases to deposits | 93.7822% | 679 |
| Net loans and leases to core deposits | 107.5906% | 575 |
| Total domestic deposits to total assets | 88.1550% | 2,223 |
| Equity capital to assets | 11.4494% | 2,458 |
| Core capital (leverage) ratio | 11.8648% | 1,648 |
| Tier 1 risk-based capital ratio | 15.9428% | 3,305 |
| Total risk-based capital ratio | 17.2005% | 3,259 |
| Memoranda: | ||
| Average total assets | $112,855,500 | 4,558 |
| Average earning assets | $108,131,000 | 4,420 |
| Average equity | $13,376,500 | 4,311 |
| Average total loans | $90,727,500 | 3,733 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1683% | 1,175 |
| Cost of funding earning assets | 0.6775% | 3,666 |
| Net interest margin | 4.4908% | 961 |
| Noninterest income to average assets | 1.0533% | 1,396 |
| Noninterest expense to average assets | 4.7418% | 455 |
| Loan and lease loss provision to assets | 0.0615% | 5,002 |
| Net operating income to assets | 1.0398% | 2,167 |
| Return on assets (ROA) | 1.0398% | 2,372 |
| Pretax return on assets | 0.5330% | 5,186 |
| Return on Equity (ROE) | 8.8191% | 2,724 |
| Retained earnings to average equity (ytd only) | 8.8191% | 875 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8587% | 1,156 |
| Assets per employee ($millions) | 2.4544% | 6,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5431% | 3,557 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 75.4452% | 996 |
| Net loans and leases to deposits | 86.3519% | 1,471 |
| Net loans and leases to core deposits | 99.5460% | 1,052 |
| Total domestic deposits to total assets | 87.3695% | 2,598 |
| Equity capital to assets | 12.2738% | 1,873 |
| Core capital (leverage) ratio | 11.8931% | 1,623 |
| Tier 1 risk-based capital ratio | 17.7326% | 2,366 |
| Total risk-based capital ratio | 18.9883% | 2,327 |
| Memoranda: | ||
| Average total assets | $110,506,000 | 4,579 |
| Average earning assets | $105,392,400 | 4,463 |
| Average equity | $13,028,600 | 4,353 |
| Average total loans | $80,917,000 | 4,010 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1443% | 1,319 |
| Cost of funding earning assets | 0.6828% | 3,918 |
| Net interest margin | 4.4615% | 1,070 |
| Noninterest income to average assets | 1.0508% | 1,376 |
| Noninterest expense to average assets | 4.5239% | 528 |
| Loan and lease loss provision to assets | 0.0603% | 4,965 |
| Net operating income to assets | 1.1654% | 1,848 |
| Return on assets (ROA) | 1.1654% | 2,044 |
| Pretax return on assets | 0.7154% | 4,809 |
| Return on Equity (ROE) | 9.9868% | 2,354 |
| Retained earnings to average equity (ytd only) | 9.9868% | 919 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3631% | 1,443 |
| Assets per employee ($millions) | 2.8876% | 6,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5436% | 3,757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 71.1295% | 1,707 |
| Net loans and leases to deposits | 80.7176% | 2,286 |
| Net loans and leases to core deposits | 91.7462% | 1,809 |
| Total domestic deposits to total assets | 88.1214% | 1,972 |
| Equity capital to assets | 11.5539% | 2,697 |
| Core capital (leverage) ratio | 11.7014% | 1,842 |
| Tier 1 risk-based capital ratio | 18.0518% | 2,313 |
| Total risk-based capital ratio | 19.3086% | 2,290 |
| Memoranda: | ||
| Average total assets | $110,520,750 | 4,625 |
| Average earning assets | $105,254,000 | 4,506 |
| Average equity | $12,896,750 | 4,416 |
| Average total loans | $79,988,000 | 4,083 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2197% | 1,202 |
| Cost of funding earning assets | 0.6772% | 4,204 |
| Net interest margin | 4.5425% | 921 |
| Noninterest income to average assets | 0.8727% | 1,882 |
| Noninterest expense to average assets | 4.3469% | 623 |
| Loan and lease loss provision to assets | 0.0919% | 4,418 |
| Net operating income to assets | 1.2401% | 1,582 |
| Return on assets (ROA) | 1.2401% | 1,767 |
| Pretax return on assets | 0.7845% | 4,527 |
| Return on Equity (ROE) | 10.5905% | 2,138 |
| Retained earnings to average equity (ytd only) | 10.5905% | 834 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2219% | 1,721 |
| Assets per employee ($millions) | 3.4926% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5995% | 3,609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 70.8976% | 1,750 |
| Net loans and leases to deposits | 80.5567% | 2,305 |
| Net loans and leases to core deposits | 93.6133% | 1,645 |
| Total domestic deposits to total assets | 88.0096% | 2,134 |
| Equity capital to assets | 11.6719% | 2,439 |
| Core capital (leverage) ratio | 11.6856% | 1,794 |
| Tier 1 risk-based capital ratio | 18.1259% | 2,256 |
| Total risk-based capital ratio | 19.3835% | 2,221 |
| Memoranda: | ||
| Average total assets | $108,860,330 | 4,694 |
| Average earning assets | $104,259,000 | 4,558 |
| Average equity | $12,747,330 | 4,447 |
| Average total loans | $78,836,000 | 4,133 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3600% | 984 |
| Cost of funding earning assets | 0.6836% | 4,422 |
| Net interest margin | 4.6764% | 715 |
| Noninterest income to average assets | 1.3742% | 767 |
| Noninterest expense to average assets | 4.3907% | 601 |
| Loan and lease loss provision to assets | 0.1862% | 3,110 |
| Net operating income to assets | 1.7466% | 665 |
| Return on assets (ROA) | 1.7466% | 741 |
| Pretax return on assets | 1.2811% | 2,606 |
| Return on Equity (ROE) | 14.8907% | 990 |
| Retained earnings to average equity (ytd only) | 14.8907% | 456 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9523% | 2,949 |
| Assets per employee ($millions) | 3.4498% | 5,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6136% | 3,671 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 71.1419% | 1,542 |
| Net loans and leases to deposits | 83.0654% | 1,786 |
| Net loans and leases to core deposits | 99.0828% | 1,045 |
| Total domestic deposits to total assets | 85.6457% | 3,720 |
| Equity capital to assets | 11.6204% | 2,332 |
| Core capital (leverage) ratio | 12.1851% | 1,485 |
| Tier 1 risk-based capital ratio | 17.0572% | 2,665 |
| Total risk-based capital ratio | 18.3141% | 2,621 |
| Memoranda: | ||
| Average total assets | $107,408,500 | 4,762 |
| Average earning assets | $102,985,000 | 4,630 |
| Average equity | $12,598,500 | 4,485 |
| Average total loans | $77,991,000 | 4,186 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3042% | 1,687 |
| Cost of funding earning assets | 0.7776% | 5,019 |
| Net interest margin | 4.5266% | 1,077 |
| Noninterest income to average assets | 1.7892% | 448 |
| Noninterest expense to average assets | 4.8787% | 418 |
| Loan and lease loss provision to assets | 0.1552% | 4,687 |
| Net operating income to assets | 1.5118% | 803 |
| Return on assets (ROA) | 1.5118% | 871 |
| Pretax return on assets | 1.1145% | 2,784 |
| Return on Equity (ROE) | 11.1226% | 1,660 |
| Retained earnings to average equity (ytd only) | 11.1226% | 387 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3499% | 2,396 |
| Assets per employee ($millions) | 3.4808% | 5,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6702% | 3,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 71.7137% | 1,692 |
| Net loans and leases to deposits | 83.0832% | 2,058 |
| Net loans and leases to core deposits | 99.0333% | 1,258 |
| Total domestic deposits to total assets | 86.3155% | 3,134 |
| Equity capital to assets | 11.8449% | 2,245 |
| Core capital (leverage) ratio | 12.8194% | 1,211 |
| Tier 1 risk-based capital ratio | 17.5740% | 2,358 |
| Total risk-based capital ratio | 18.8310% | 2,320 |
| Memoranda: | ||
| Average total assets | $85,064,200 | 5,309 |
| Average earning assets | $81,916,200 | 5,171 |
| Average equity | $11,562,000 | 4,642 |
| Average total loans | $62,046,200 | 4,792 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2855% | 1,920 |
| Cost of funding earning assets | 0.8182% | 5,025 |
| Net interest margin | 4.4673% | 1,226 |
| Noninterest income to average assets | 1.9678% | 393 |
| Noninterest expense to average assets | 4.9610% | 384 |
| Loan and lease loss provision to assets | 0.1280% | 4,830 |
| Net operating income to assets | 1.1800% | 1,713 |
| Return on assets (ROA) | 1.1800% | 1,829 |
| Pretax return on assets | 1.1800% | 2,692 |
| Return on Equity (ROE) | 8.3329% | 2,903 |
| Retained earnings to average equity (ytd only) | 8.3329% | 1,376 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1357% | 2,388 |
| Assets per employee ($millions) | 3.1198% | 5,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8299% | 2,833 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 74.7419% | 1,189 |
| Net loans and leases to deposits | 88.5156% | 1,374 |
| Net loans and leases to core deposits | 113.8031% | 558 |
| Total domestic deposits to total assets | 84.4392% | 4,038 |
| Equity capital to assets | 13.4888% | 1,372 |
| Core capital (leverage) ratio | 14.6638% | 736 |
| Tier 1 risk-based capital ratio | 19.6695% | 1,768 |
| Total risk-based capital ratio | 20.9295% | 1,736 |
| Memoranda: | ||
| Average total assets | $80,224,000 | 5,498 |
| Average earning assets | $77,240,500 | 5,349 |
| Average equity | $11,360,250 | 4,725 |
| Average total loans | $58,518,000 | 4,969 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2943% | 1,909 |
| Cost of funding earning assets | 0.9272% | 4,475 |
| Net interest margin | 4.3671% | 1,472 |
| Noninterest income to average assets | 2.0861% | 342 |
| Noninterest expense to average assets | 5.0329% | 361 |
| Loan and lease loss provision to assets | 0.0694% | 5,439 |
| Net operating income to assets | 1.1921% | 1,596 |
| Return on assets (ROA) | 1.1921% | 1,684 |
| Pretax return on assets | 1.1946% | 2,504 |
| Return on Equity (ROE) | 8.2714% | 2,820 |
| Retained earnings to average equity (ytd only) | 8.2714% | 1,353 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9266% | 2,397 |
| Assets per employee ($millions) | 3.1115% | 5,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0374% | 2,267 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 72.1354% | 1,766 |
| Net loans and leases to deposits | 87.0412% | 1,641 |
| Net loans and leases to core deposits | 107.6696% | 830 |
| Total domestic deposits to total assets | 82.8750% | 4,818 |
| Equity capital to assets | 14.8007% | 864 |
| Core capital (leverage) ratio | 14.2994% | 806 |
| Tier 1 risk-based capital ratio | 21.4680% | 1,333 |
| Total risk-based capital ratio | 22.7289% | 1,310 |
| Memoranda: | ||
| Average total assets | $77,847,330 | 5,599 |
| Average earning assets | $75,062,000 | 5,459 |
| Average equity | $11,219,330 | 4,758 |
| Average total loans | $55,855,000 | 5,129 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2761% | 1,949 |
| Cost of funding earning assets | 1.0786% | 3,663 |
| Net interest margin | 4.1975% | 1,897 |
| Noninterest income to average assets | 1.4279% | 629 |
| Noninterest expense to average assets | 4.7921% | 436 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6934% | 3,537 |
| Return on assets (ROA) | 0.6934% | 3,606 |
| Pretax return on assets | 0.6934% | 4,329 |
| Return on Equity (ROE) | 4.8769% | 4,465 |
| Retained earnings to average equity (ytd only) | 4.8769% | 3,266 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3596% | 1,587 |
| Assets per employee ($millions) | 3.2708% | 5,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0460% | 2,301 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 66.7449% | 2,826 |
| Net loans and leases to deposits | 85.3942% | 1,823 |
| Net loans and leases to core deposits | 107.7339% | 854 |
| Total domestic deposits to total assets | 78.1610% | 6,359 |
| Equity capital to assets | 13.6185% | 1,140 |
| Core capital (leverage) ratio | 14.0491% | 838 |
| Tier 1 risk-based capital ratio | 20.2117% | 1,540 |
| Total risk-based capital ratio | 21.4722% | 1,510 |
| Memoranda: | ||
| Average total assets | $77,877,500 | 5,649 |
| Average earning assets | $75,282,500 | 5,500 |
| Average equity | $11,072,500 | 4,783 |
| Average total loans | $55,143,000 | 5,207 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8420% | 1,170 |
| Cost of funding earning assets | 0.9607% | 5,883 |
| Net interest margin | 4.8813% | 567 |
| Noninterest income to average assets | 0.2971% | 5,666 |
| Noninterest expense to average assets | 4.8219% | 486 |
| Loan and lease loss provision to assets | 1.0174% | 1,595 |
| Net operating income to assets | -0.8752% | 6,616 |
| Return on assets (ROA) | -0.8752% | 6,642 |
| Pretax return on assets | -0.8736% | 6,560 |
| Return on Equity (ROE) | -4.8545% | 6,423 |
| Retained earnings to average equity (ytd only) | -4.8545% | 6,283 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1057% | 913 |
| Assets per employee ($millions) | 3.8939% | 4,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0891% | 2,090 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 72.2156% | 2,053 |
| Net loans and leases to deposits | 89.0482% | 1,641 |
| Net loans and leases to core deposits | 111.1301% | 861 |
| Total domestic deposits to total assets | 81.0973% | 5,496 |
| Equity capital to assets | 14.8802% | 818 |
| Core capital (leverage) ratio | 15.1504% | 642 |
| Tier 1 risk-based capital ratio | 19.8464% | 1,515 |
| Total risk-based capital ratio | 21.1070% | 1,485 |
| Memoranda: | ||
| Average total assets | $61,925,400 | 6,129 |
| Average earning assets | $59,226,400 | 6,021 |
| Average equity | $11,165,000 | 4,823 |
| Average total loans | $45,668,000 | 5,672 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8806% | 1,178 |
| Cost of funding earning assets | 0.9607% | 6,128 |
| Net interest margin | 4.9199% | 532 |
| Noninterest income to average assets | 0.3304% | 5,516 |
| Noninterest expense to average assets | 5.0041% | 380 |
| Loan and lease loss provision to assets | 1.3647% | 992 |
| Net operating income to assets | -1.3444% | 7,052 |
| Return on assets (ROA) | -1.3444% | 7,077 |
| Pretax return on assets | -1.3444% | 6,992 |
| Return on Equity (ROE) | -7.0687% | 6,787 |
| Retained earnings to average equity (ytd only) | -7.0687% | 6,715 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5946% | 755 |
| Assets per employee ($millions) | 4.2417% | 3,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1312% | 1,923 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 75.3105% | 1,528 |
| Net loans and leases to deposits | 94.4314% | 1,152 |
| Net loans and leases to core deposits | 122.0270% | 554 |
| Total domestic deposits to total assets | 79.7516% | 5,790 |
| Equity capital to assets | 16.1772% | 643 |
| Core capital (leverage) ratio | 16.7155% | 463 |
| Tier 1 risk-based capital ratio | 21.3495% | 1,305 |
| Total risk-based capital ratio | 22.6119% | 1,283 |
| Memoranda: | ||
| Average total assets | $58,910,750 | 6,306 |
| Average earning assets | $56,205,750 | 6,192 |
| Average equity | $11,204,000 | 4,875 |
| Average total loans | $43,443,000 | 5,852 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6810% | 1,830 |
| Cost of funding earning assets | 0.9512% | 6,372 |
| Net interest margin | 4.7298% | 771 |
| Noninterest income to average assets | 0.3827% | 5,064 |
| Noninterest expense to average assets | 5.2034% | 324 |
| Loan and lease loss provision to assets | 1.0800% | 1,332 |
| Net operating income to assets | -1.4054% | 7,123 |
| Return on assets (ROA) | -1.4054% | 7,129 |
| Pretax return on assets | -1.4019% | 7,047 |
| Return on Equity (ROE) | -6.9687% | 6,832 |
| Retained earnings to average equity (ytd only) | -6.9687% | 6,735 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.5934% | 616 |
| Assets per employee ($millions) | 3.6646% | 4,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6579% | 3,229 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 77.3171% | 1,231 |
| Net loans and leases to deposits | 99.5762% | 761 |
| Net loans and leases to core deposits | 122.6810% | 608 |
| Total domestic deposits to total assets | 77.6462% | 6,354 |
| Equity capital to assets | 17.8690% | 431 |
| Core capital (leverage) ratio | 19.9567% | 249 |
| Tier 1 risk-based capital ratio | 22.7887% | 1,088 |
| Total risk-based capital ratio | 24.0438% | 1,073 |
| Memoranda: | ||
| Average total assets | $55,925,330 | 6,457 |
| Average earning assets | $53,195,000 | 6,359 |
| Average equity | $11,279,000 | 4,859 |
| Average total loans | $40,516,000 | 6,025 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3305% | 3,395 |
| Cost of funding earning assets | 1.0020% | 6,369 |
| Net interest margin | 4.3285% | 1,603 |
| Noninterest income to average assets | 0.4930% | 4,100 |
| Noninterest expense to average assets | 5.4836% | 276 |
| Loan and lease loss provision to assets | 1.1756% | 1,039 |
| Net operating income to assets | -2.0782% | 7,479 |
| Return on assets (ROA) | -2.0782% | 7,483 |
| Pretax return on assets | -2.0706% | 7,430 |
| Return on Equity (ROE) | -9.6543% | 7,126 |
| Retained earnings to average equity (ytd only) | -9.6543% | 6,943 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.5041% | 446 |
| Assets per employee ($millions) | 3.1731% | 5,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6403% | 3,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 73.9257% | 1,990 |
| Net loans and leases to deposits | 99.6925% | 774 |
| Net loans and leases to core deposits | 126.2010% | 577 |
| Total domestic deposits to total assets | 74.1537% | 7,026 |
| Equity capital to assets | 20.7593% | 250 |
| Core capital (leverage) ratio | 20.7772% | 220 |
| Tier 1 risk-based capital ratio | 26.9545% | 708 |
| Total risk-based capital ratio | 28.2100% | 695 |
| Memoranda: | ||
| Average total assets | $52,739,000 | 6,641 |
| Average earning assets | $49,901,500 | 6,551 |
| Average equity | $11,352,500 | 4,884 |
| Average total loans | $36,284,500 | 6,295 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0903% | 6,125 |
| Cost of funding earning assets | 0.9208% | 7,361 |
| Net interest margin | 4.1695% | 2,183 |
| Noninterest income to average assets | 0.3599% | 5,512 |
| Noninterest expense to average assets | 7.3519% | 187 |
| Loan and lease loss provision to assets | 1.1252% | 2,031 |
| Net operating income to assets | -4.2031% | 7,638 |
| Return on assets (ROA) | -4.2031% | 7,639 |
| Pretax return on assets | -4.2031% | 7,572 |
| Return on Equity (ROE) | -12.2676% | 6,788 |
| Retained earnings to average equity (ytd only) | -12.2676% | 6,705 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 172.0159% | 215 |
| Assets per employee ($millions) | 3.4357% | 5,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5924% | 3,315 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 61.1553% | 5,166 |
| Net loans and leases to deposits | 84.5232% | 3,176 |
| Net loans and leases to core deposits | 128.2326% | 1,381 |
| Total domestic deposits to total assets | 72.3533% | 7,214 |
| Equity capital to assets | 22.3281% | 219 |
| Core capital (leverage) ratio | 28.0805% | 119 |
| Tier 1 risk-based capital ratio | 32.4025% | 433 |
| Total risk-based capital ratio | 33.6550% | 422 |
| Memoranda: | ||
| Average total assets | $35,283,600 | 7,268 |
| Average earning assets | $33,121,800 | 7,224 |
| Average equity | $12,088,800 | 4,728 |
| Average total loans | $20,986,000 | 7,140 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9292% | 6,818 |
| Cost of funding earning assets | 0.9740% | 7,441 |
| Net interest margin | 3.9552% | 3,013 |
| Noninterest income to average assets | 0.3801% | 5,477 |
| Noninterest expense to average assets | 8.2679% | 146 |
| Loan and lease loss provision to assets | 1.3709% | 1,403 |
| Net operating income to assets | -5.5475% | 7,891 |
| Return on assets (ROA) | -5.5475% | 7,890 |
| Pretax return on assets | -5.5475% | 7,873 |
| Return on Equity (ROE) | -14.1567% | 7,142 |
| Retained earnings to average equity (ytd only) | -14.1567% | 7,083 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 202.0877% | 152 |
| Assets per employee ($millions) | 2.8045% | 6,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4266% | 3,802 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 76.3798% | 1,920 |
| Net loans and leases to deposits | 124.3222% | 144 |
| Net loans and leases to core deposits | 139.8415% | 924 |
| Total domestic deposits to total assets | 61.4370% | 7,837 |
| Equity capital to assets | 29.6997% | 118 |
| Core capital (leverage) ratio | 32.3823% | 108 |
| Tier 1 risk-based capital ratio | 35.8067% | 362 |
| Total risk-based capital ratio | 37.0574% | 354 |
| Memoranda: | ||
| Average total assets | $31,220,500 | 7,495 |
| Average earning assets | $29,294,000 | 7,448 |
| Average equity | $12,234,250 | 4,738 |
| Average total loans | $18,225,750 | 7,370 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5187% | 7,612 |
| Cost of funding earning assets | 1.0058% | 7,545 |
| Net interest margin | 3.5129% | 4,745 |
| Noninterest income to average assets | 0.3714% | 5,541 |
| Noninterest expense to average assets | 8.8158% | 140 |
| Loan and lease loss provision to assets | 1.2544% | 1,364 |
| Net operating income to assets | -6.4332% | 8,018 |
| Return on assets (ROA) | -6.4332% | 8,011 |
| Pretax return on assets | -6.4191% | 7,976 |
| Return on Equity (ROE) | -14.7763% | 7,318 |
| Retained earnings to average equity (ytd only) | -14.7763% | 7,224 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 241.4587% | 125 |
| Assets per employee ($millions) | 2.6357% | 6,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 4,221 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 59.6938% | 5,733 |
| Net loans and leases to deposits | 88.9944% | 2,992 |
| Net loans and leases to core deposits | 96.4151% | 4,854 |
| Total domestic deposits to total assets | 67.0759% | 7,676 |
| Equity capital to assets | 32.5610% | 118 |
| Core capital (leverage) ratio | 39.4453% | 93 |
| Tier 1 risk-based capital ratio | 42.5612% | 261 |
| Total risk-based capital ratio | 43.6115% | 259 |
| Memoranda: | ||
| Average total assets | $28,539,670 | 7,662 |
| Average earning assets | $26,645,000 | 7,611 |
| Average equity | $12,425,330 | 4,698 |
| Average total loans | $14,160,000 | 7,639 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5570% | 7,662 |
| Cost of funding earning assets | 1.1703% | 7,367 |
| Net interest margin | 3.3868% | 5,182 |
| Noninterest income to average assets | 0.3284% | 5,822 |
| Noninterest expense to average assets | 10.0330% | 114 |
| Loan and lease loss provision to assets | 1.1002% | 1,190 |
| Net operating income to assets | -7.6685% | 8,137 |
| Return on assets (ROA) | -7.6685% | 8,125 |
| Pretax return on assets | -7.6685% | 8,102 |
| Return on Equity (ROE) | -14.7896% | 7,595 |
| Retained earnings to average equity (ytd only) | -14.7896% | 7,426 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 289.5735% | 91 |
| Assets per employee ($millions) | 2.2765% | 7,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4776% | 3,101 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 43.9344% | 7,343 |
| Net loans and leases to deposits | 80.8597% | 4,480 |
| Net loans and leases to core deposits | 92.6939% | 5,291 |
| Total domestic deposits to total assets | 54.3341% | 8,067 |
| Equity capital to assets | 45.3986% | 78 |
| Core capital (leverage) ratio | 47.8513% | 78 |
| Tier 1 risk-based capital ratio | 67.9184% | 116 |
| Total risk-based capital ratio | 68.9184% | 115 |
| Memoranda: | ||
| Average total assets | $24,359,500 | 7,853 |
| Average earning assets | $22,558,500 | 7,820 |
| Average equity | $12,630,500 | 4,672 |
| Average total loans | $10,080,500 | 7,904 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8986% | 8,234 |
| Cost of funding earning assets | 0.2759% | 8,227 |
| Net interest margin | 1.6227% | 8,166 |
| Noninterest income to average assets | 0.0247% | 8,009 |
| Noninterest expense to average assets | 15.1391% | 73 |
| Loan and lease loss provision to assets | 0.5592% | 2,579 |
| Net operating income to assets | -14.1889% | 8,284 |
| Return on assets (ROA) | -14.1889% | 8,283 |
| Pretax return on assets | -14.1889% | 8,278 |
| Return on Equity (ROE) | -22.0505% | 7,801 |
| Retained earnings to average equity (ytd only) | -22.0505% | 7,734 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,002.9508% | 18 |
| Assets per employee ($millions) | 1.7834% | 8,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4162% | 3,106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 36.7553% | 7,805 |
| Net loans and leases to deposits | 93.8328% | 2,797 |
| Net loans and leases to core deposits | 99.0805% | 4,918 |
| Total domestic deposits to total assets | 39.1711% | 8,195 |
| Equity capital to assets | 60.0860% | 57 |
| Core capital (leverage) ratio | 63.1858% | 56 |
| Tier 1 risk-based capital ratio | 106.6791% | 74 |
| Total risk-based capital ratio | 107.6332% | 74 |
| Memoranda: | ||
| Average total assets | $20,206,000 | 8,006 |
| Average earning assets | $18,487,500 | 7,990 |
| Average equity | $13,002,000 | 4,576 |
| Average total loans | $4,703,000 | 8,173 |