Home > Watch Hill Bank > Performance and Condition Ratios
Watch Hill Bank, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1315% | 3,527 |
| Cost of funding earning assets | 1.3470% | 140 |
| Net interest margin | 2.7845% | 5,106 |
| Noninterest income to average assets | 0.2085% | 4,716 |
| Noninterest expense to average assets | 2.1759% | 4,372 |
| Loan and lease loss provision to assets | -0.0065% | 5,202 |
| Net operating income to assets | 0.5377% | 4,675 |
| Return on assets (ROA) | 0.5377% | 4,682 |
| Pretax return on assets | 0.6696% | 4,606 |
| Return on Equity (ROE) | 5.5100% | 4,415 |
| Retained earnings to average equity (ytd only) | -0.7514% | 5,121 |
| Net charge-offs to loans | -0.0128% | 4,464 |
| Credit loss provision to net charge-offs | 57.1429% | 2,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6428% | 1,277 |
| Assets per employee ($millions) | 10.3479% | 295 |
| Cash dividends to net income (ytd only)* | 113.6367% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 3,255 |
| Loan loss allowance to noncurrent loans | 202.4631% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.4983% | 2,707 |
| Noncurrent loans to loans | 0.5379% | 2,773 |
| Net loans and leases to total assets | 90.1889% | 67 |
| Net loans and leases to deposits | 144.6172% | 18 |
| Net loans and leases to core deposits | 165.2114% | 76 |
| Total domestic deposits to total assets | 62.3639% | 5,370 |
| Equity capital to assets | 9.5339% | 4,042 |
| Core capital (leverage) ratio | 9.2965% | 4,406 |
| Tier 1 risk-based capital ratio | 10.9720% | 5,047 |
| Total risk-based capital ratio | 12.1559% | 4,981 |
| Memoranda: | ||
| Average total assets | $163,665,750 | 3,260 |
| Average earning assets | $154,613,500 | 3,216 |
| Average equity | $15,970,500 | 3,544 |
| Average total loans | $146,095,000 | 2,702 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0660% | 3,558 |
| Cost of funding earning assets | 1.2809% | 130 |
| Net interest margin | 2.7852% | 5,136 |
| Noninterest income to average assets | 0.2294% | 4,645 |
| Noninterest expense to average assets | 2.1983% | 4,372 |
| Loan and lease loss provision to assets | -0.0098% | 5,301 |
| Net operating income to assets | 0.5385% | 4,655 |
| Return on assets (ROA) | 0.5385% | 4,662 |
| Pretax return on assets | 0.6710% | 4,586 |
| Return on Equity (ROE) | 5.4764% | 4,420 |
| Retained earnings to average equity (ytd only) | 2.3577% | 4,335 |
| Net charge-offs to loans | -0.0180% | 4,521 |
| Credit loss provision to net charge-offs | 61.5385% | 2,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8769% | 1,330 |
| Assets per employee ($millions) | 9.3356% | 399 |
| Cash dividends to net income (ytd only)* | 56.9476% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0902% | 3,325 |
| Loan loss allowance to noncurrent loans | 222.9308% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.4463% | 2,940 |
| Noncurrent loans to loans | 0.4890% | 2,970 |
| Net loans and leases to total assets | 88.7081% | 115 |
| Net loans and leases to deposits | 136.0377% | 26 |
| Net loans and leases to core deposits | 153.6478% | 102 |
| Total domestic deposits to total assets | 65.2085% | 5,396 |
| Equity capital to assets | 9.5637% | 4,037 |
| Core capital (leverage) ratio | 9.5335% | 4,079 |
| Tier 1 risk-based capital ratio | 11.7315% | 4,666 |
| Total risk-based capital ratio | 12.9784% | 4,546 |
| Memoranda: | ||
| Average total assets | $163,032,000 | 3,282 |
| Average earning assets | $153,959,000 | 3,241 |
| Average equity | $16,032,330 | 3,563 |
| Average total loans | $144,471,000 | 2,738 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0775% | 3,314 |
| Cost of funding earning assets | 1.2307% | 121 |
| Net interest margin | 2.8469% | 5,100 |
| Noninterest income to average assets | 0.2118% | 4,740 |
| Noninterest expense to average assets | 2.2675% | 4,260 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5058% | 4,683 |
| Return on assets (ROA) | 0.5058% | 4,688 |
| Pretax return on assets | 0.6304% | 4,616 |
| Return on Equity (ROE) | 5.0709% | 4,465 |
| Retained earnings to average equity (ytd only) | 5.0709% | 3,143 |
| Net charge-offs to loans | -0.0057% | 4,049 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2459% | 1,328 |
| Assets per employee ($millions) | 9.0690% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 3,141 |
| Loan loss allowance to noncurrent loans | 199.5134% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.5035% | 2,847 |
| Noncurrent loans to loans | 0.5715% | 2,829 |
| Net loans and leases to total assets | 87.1038% | 190 |
| Net loans and leases to deposits | 124.9528% | 68 |
| Net loans and leases to core deposits | 139.2354% | 224 |
| Total domestic deposits to total assets | 69.7094% | 5,371 |
| Equity capital to assets | 9.8571% | 3,742 |
| Core capital (leverage) ratio | 9.6954% | 3,853 |
| Tier 1 risk-based capital ratio | 12.0542% | 4,521 |
| Total risk-based capital ratio | 13.3050% | 4,406 |
| Memoranda: | ||
| Average total assets | $160,527,500 | 3,349 |
| Average earning assets | $151,464,000 | 3,310 |
| Average equity | $16,013,000 | 3,590 |
| Average total loans | $141,352,000 | 2,798 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8964% | 3,736 |
| Cost of funding earning assets | 1.0573% | 157 |
| Net interest margin | 2.8391% | 5,117 |
| Noninterest income to average assets | 0.2238% | 4,806 |
| Noninterest expense to average assets | 2.6027% | 3,437 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5571% | 4,201 |
| Return on assets (ROA) | 0.5571% | 4,235 |
| Pretax return on assets | 0.2744% | 5,239 |
| Return on Equity (ROE) | 5.0021% | 4,154 |
| Retained earnings to average equity (ytd only) | 3.4467% | 3,221 |
| Net charge-offs to loans | -0.0016% | 4,519 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4624% | 411 |
| Assets per employee ($millions) | 8.3059% | 571 |
| Cash dividends to net income (ytd only)* | 31.0945% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1795% | 2,901 |
| Loan loss allowance to noncurrent loans | 191.5789% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.5418% | 2,749 |
| Noncurrent loans to loans | 0.6157% | 2,693 |
| Net loans and leases to total assets | 86.9612% | 195 |
| Net loans and leases to deposits | 122.8843% | 84 |
| Net loans and leases to core deposits | 136.5818% | 242 |
| Total domestic deposits to total assets | 70.7667% | 5,379 |
| Equity capital to assets | 10.0974% | 3,598 |
| Core capital (leverage) ratio | 9.8142% | 3,683 |
| Tier 1 risk-based capital ratio | 12.2818% | 4,347 |
| Total risk-based capital ratio | 13.5347% | 4,251 |
| Memoranda: | ||
| Average total assets | $144,309,400 | 3,548 |
| Average earning assets | $134,868,400 | 3,530 |
| Average equity | $16,073,400 | 3,582 |
| Average total loans | $123,656,200 | 3,003 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8368% | 3,883 |
| Cost of funding earning assets | 1.0391% | 155 |
| Net interest margin | 2.7977% | 5,220 |
| Noninterest income to average assets | 0.2308% | 4,831 |
| Noninterest expense to average assets | 2.6007% | 3,409 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3358% | 1,234 |
| Return on assets (ROA) | 1.3358% | 1,262 |
| Pretax return on assets | 0.2384% | 5,353 |
| Return on Equity (ROE) | 11.6875% | 1,429 |
| Retained earnings to average equity (ytd only) | 9.6181% | 675 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6028% | 353 |
| Assets per employee ($millions) | 8.6370% | 495 |
| Cash dividends to net income (ytd only)* | 17.7056% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 2,653 |
| Loan loss allowance to noncurrent loans | 172.9387% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.6085% | 2,689 |
| Noncurrent loans to loans | 0.7217% | 2,554 |
| Net loans and leases to total assets | 83.2645% | 517 |
| Net loans and leases to deposits | 118.6497% | 118 |
| Net loans and leases to core deposits | 130.7767% | 328 |
| Total domestic deposits to total assets | 70.1768% | 5,474 |
| Equity capital to assets | 10.5817% | 3,279 |
| Core capital (leverage) ratio | 10.3164% | 3,181 |
| Tier 1 risk-based capital ratio | 13.3262% | 3,805 |
| Total risk-based capital ratio | 14.5818% | 3,717 |
| Memoranda: | ||
| Average total assets | $140,933,500 | 3,638 |
| Average earning assets | $131,389,500 | 3,612 |
| Average equity | $16,108,000 | 3,614 |
| Average total loans | $119,851,750 | 3,087 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7906% | 3,927 |
| Cost of funding earning assets | 1.0215% | 158 |
| Net interest margin | 2.7691% | 5,290 |
| Noninterest income to average assets | 0.2778% | 4,564 |
| Noninterest expense to average assets | 2.7159% | 3,035 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.9134% | 360 |
| Return on assets (ROA) | 1.9134% | 370 |
| Pretax return on assets | 0.1396% | 5,478 |
| Return on Equity (ROE) | 16.2814% | 494 |
| Retained earnings to average equity (ytd only) | 13.1552% | 244 |
| Net charge-offs to loans | -0.0069% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1107% | 279 |
| Assets per employee ($millions) | 7.5424% | 725 |
| Cash dividends to net income (ytd only)* | 19.2012% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3316% | 2,266 |
| Loan loss allowance to noncurrent loans | 188.7227% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.6064% | 2,748 |
| Noncurrent loans to loans | 0.7056% | 2,637 |
| Net loans and leases to total assets | 84.7982% | 363 |
| Net loans and leases to deposits | 124.5452% | 65 |
| Net loans and leases to core deposits | 138.9022% | 193 |
| Total domestic deposits to total assets | 68.0862% | 5,592 |
| Equity capital to assets | 11.4036% | 2,407 |
| Core capital (leverage) ratio | 10.7215% | 2,684 |
| Tier 1 risk-based capital ratio | 14.1777% | 3,325 |
| Total risk-based capital ratio | 15.4350% | 3,238 |
| Memoranda: | ||
| Average total assets | $136,089,330 | 3,723 |
| Average earning assets | $126,682,330 | 3,694 |
| Average equity | $15,993,670 | 3,642 |
| Average total loans | $116,107,670 | 3,143 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7709% | 3,864 |
| Cost of funding earning assets | 0.9792% | 182 |
| Net interest margin | 2.7917% | 5,258 |
| Noninterest income to average assets | 0.3291% | 4,193 |
| Noninterest expense to average assets | 3.0465% | 2,026 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 3.6533% | 65 |
| Return on assets (ROA) | 3.6533% | 65 |
| Pretax return on assets | -0.1178% | 5,650 |
| Return on Equity (ROE) | 30.5952% | 43 |
| Retained earnings to average equity (ytd only) | 30.5952% | 29 |
| Net charge-offs to loans | -0.0071% | 4,291 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0206% | 175 |
| Assets per employee ($millions) | 7.5754% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4095% | 2,037 |
| Loan loss allowance to noncurrent loans | 180.1980% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.6666% | 2,632 |
| Noncurrent loans to loans | 0.7822% | 2,505 |
| Net loans and leases to total assets | 84.0251% | 364 |
| Net loans and leases to deposits | 127.6844% | 44 |
| Net loans and leases to core deposits | 141.4646% | 160 |
| Total domestic deposits to total assets | 65.8069% | 5,718 |
| Equity capital to assets | 12.0866% | 1,775 |
| Core capital (leverage) ratio | 11.6438% | 1,857 |
| Tier 1 risk-based capital ratio | 15.4271% | 2,782 |
| Total risk-based capital ratio | 16.6875% | 2,716 |
| Memoranda: | ||
| Average total assets | $132,481,500 | 3,806 |
| Average earning assets | $123,364,500 | 3,789 |
| Average equity | $15,819,500 | 3,683 |
| Average total loans | $112,581,500 | 3,206 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7176% | 4,163 |
| Cost of funding earning assets | 1.0457% | 136 |
| Net interest margin | 2.6718% | 5,453 |
| Noninterest income to average assets | 0.4283% | 3,691 |
| Noninterest expense to average assets | 2.5893% | 3,708 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8565% | 3,041 |
| Return on assets (ROA) | 0.8574% | 3,147 |
| Pretax return on assets | 0.3505% | 5,296 |
| Return on Equity (ROE) | 7.0752% | 3,430 |
| Retained earnings to average equity (ytd only) | 7.0752% | 1,204 |
| Net charge-offs to loans | -0.0154% | 5,058 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1025% | 671 |
| Assets per employee ($millions) | 7.1447% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 1,658 |
| Loan loss allowance to noncurrent loans | 179.3860% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.7091% | 2,603 |
| Noncurrent loans to loans | 0.8371% | 2,431 |
| Net loans and leases to total assets | 83.4447% | 439 |
| Net loans and leases to deposits | 124.6779% | 57 |
| Net loans and leases to core deposits | 139.1538% | 182 |
| Total domestic deposits to total assets | 66.9282% | 5,740 |
| Equity capital to assets | 11.7865% | 1,940 |
| Core capital (leverage) ratio | 11.6733% | 1,813 |
| Tier 1 risk-based capital ratio | 16.7982% | 2,229 |
| Total risk-based capital ratio | 18.0588% | 2,178 |
| Memoranda: | ||
| Average total assets | $122,118,600 | 3,954 |
| Average earning assets | $114,752,400 | 3,912 |
| Average equity | $14,798,200 | 3,833 |
| Average total loans | $104,165,200 | 3,311 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6913% | 4,280 |
| Cost of funding earning assets | 1.0716% | 109 |
| Net interest margin | 2.6197% | 5,571 |
| Noninterest income to average assets | 0.4437% | 3,599 |
| Noninterest expense to average assets | 2.6445% | 3,517 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9936% | 2,465 |
| Return on assets (ROA) | 0.9947% | 2,599 |
| Pretax return on assets | 0.2645% | 5,495 |
| Return on Equity (ROE) | 8.1494% | 2,932 |
| Retained earnings to average equity (ytd only) | 8.1494% | 1,111 |
| Net charge-offs to loans | -0.0155% | 4,922 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9437% | 514 |
| Assets per employee ($millions) | 7.3132% | 788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 1,867 |
| Loan loss allowance to noncurrent loans | 137.7215% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.9532% | 2,174 |
| Noncurrent loans to loans | 1.0700% | 2,108 |
| Net loans and leases to total assets | 87.7642% | 149 |
| Net loans and leases to deposits | 137.2219% | 27 |
| Net loans and leases to core deposits | 151.4099% | 118 |
| Total domestic deposits to total assets | 63.9579% | 5,849 |
| Equity capital to assets | 12.0693% | 2,066 |
| Core capital (leverage) ratio | 12.1008% | 1,608 |
| Tier 1 risk-based capital ratio | 16.9005% | 2,259 |
| Total risk-based capital ratio | 18.1627% | 2,213 |
| Memoranda: | ||
| Average total assets | $120,497,000 | 4,005 |
| Average earning assets | $113,345,500 | 3,966 |
| Average equity | $14,708,250 | 3,878 |
| Average total loans | $102,969,000 | 3,346 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6409% | 4,474 |
| Cost of funding earning assets | 1.1085% | 86 |
| Net interest margin | 2.5324% | 5,722 |
| Noninterest income to average assets | 0.4177% | 3,763 |
| Noninterest expense to average assets | 2.6908% | 3,421 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3068% | 1,255 |
| Return on assets (ROA) | 1.3085% | 1,349 |
| Pretax return on assets | 0.1124% | 5,714 |
| Return on Equity (ROE) | 10.6781% | 1,775 |
| Retained earnings to average equity (ytd only) | 10.6781% | 482 |
| Net charge-offs to loans | -0.0299% | 5,122 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0479% | 343 |
| Assets per employee ($millions) | 5.9531% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5821% | 1,579 |
| Loan loss allowance to noncurrent loans | 196.7509% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.6980% | 2,886 |
| Noncurrent loans to loans | 0.8041% | 2,740 |
| Net loans and leases to total assets | 85.4260% | 293 |
| Net loans and leases to deposits | 130.7515% | 37 |
| Net loans and leases to core deposits | 138.6890% | 201 |
| Total domestic deposits to total assets | 65.3346% | 5,907 |
| Equity capital to assets | 12.5112% | 1,763 |
| Core capital (leverage) ratio | 12.1419% | 1,547 |
| Tier 1 risk-based capital ratio | 18.3943% | 1,827 |
| Total risk-based capital ratio | 19.6595% | 1,784 |
| Memoranda: | ||
| Average total assets | $119,221,330 | 4,060 |
| Average earning assets | $112,224,000 | 4,016 |
| Average equity | $14,609,330 | 3,912 |
| Average total loans | $100,377,330 | 3,404 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6445% | 4,492 |
| Cost of funding earning assets | 1.1165% | 85 |
| Net interest margin | 2.5280% | 5,781 |
| Noninterest income to average assets | 0.5700% | 2,680 |
| Noninterest expense to average assets | 2.7460% | 3,251 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.4878% | 158 |
| Return on assets (ROA) | 2.4878% | 163 |
| Pretax return on assets | 0.2079% | 5,635 |
| Return on Equity (ROE) | 20.5171% | 211 |
| Retained earnings to average equity (ytd only) | 20.5171% | 82 |
| Net charge-offs to loans | -0.0526% | 5,353 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9625% | 503 |
| Assets per employee ($millions) | 6.6266% | 1,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6567% | 1,462 |
| Loan loss allowance to noncurrent loans | 165.1163% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.8291% | 2,619 |
| Noncurrent loans to loans | 1.0033% | 2,376 |
| Net loans and leases to total assets | 81.2691% | 651 |
| Net loans and leases to deposits | 119.9003% | 101 |
| Net loans and leases to core deposits | 127.3309% | 316 |
| Total domestic deposits to total assets | 67.7806% | 5,928 |
| Equity capital to assets | 12.4473% | 1,716 |
| Core capital (leverage) ratio | 11.5382% | 1,948 |
| Tier 1 risk-based capital ratio | 18.2943% | 1,911 |
| Total risk-based capital ratio | 19.5675% | 1,865 |
| Memoranda: | ||
| Average total assets | $119,301,500 | 4,085 |
| Average earning assets | $112,499,000 | 4,034 |
| Average equity | $14,466,000 | 3,933 |
| Average total loans | $98,894,000 | 3,442 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7366% | 4,245 |
| Cost of funding earning assets | 1.1139% | 92 |
| Net interest margin | 2.6227% | 5,738 |
| Noninterest income to average assets | 0.1692% | 5,567 |
| Noninterest expense to average assets | 2.4000% | 4,513 |
| Loan and lease loss provision to assets | 0.0167% | 4,077 |
| Net operating income to assets | 0.2287% | 5,518 |
| Return on assets (ROA) | 0.2287% | 5,584 |
| Pretax return on assets | 0.2287% | 5,650 |
| Return on Equity (ROE) | 1.8967% | 5,591 |
| Retained earnings to average equity (ytd only) | 1.8967% | 4,643 |
| Net charge-offs to loans | -0.0322% | 5,420 |
| Credit loss provision to net charge-offs | -62.0690% | 5,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7206% | 648 |
| Assets per employee ($millions) | 7.9549% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6328% | 1,519 |
| Loan loss allowance to noncurrent loans | 158.2031% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.9520% | 2,286 |
| Noncurrent loans to loans | 1.0321% | 2,270 |
| Net loans and leases to total assets | 81.7924% | 617 |
| Net loans and leases to deposits | 120.2346% | 104 |
| Net loans and leases to core deposits | 125.0695% | 353 |
| Total domestic deposits to total assets | 68.0274% | 5,973 |
| Equity capital to assets | 11.8040% | 2,106 |
| Core capital (leverage) ratio | 12.1061% | 1,553 |
| Tier 1 risk-based capital ratio | 20.1265% | 1,461 |
| Total risk-based capital ratio | 21.3898% | 1,431 |
| Memoranda: | ||
| Average total assets | $107,541,800 | 4,305 |
| Average earning assets | $101,535,200 | 4,249 |
| Average equity | $12,969,600 | 4,151 |
| Average total loans | $90,193,600 | 3,587 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7605% | 4,220 |
| Cost of funding earning assets | 1.1053% | 97 |
| Net interest margin | 2.6552% | 5,782 |
| Noninterest income to average assets | 0.1823% | 5,566 |
| Noninterest expense to average assets | 2.4130% | 4,471 |
| Loan and lease loss provision to assets | 0.0127% | 4,016 |
| Net operating income to assets | 0.2613% | 5,551 |
| Return on assets (ROA) | 0.2613% | 5,632 |
| Pretax return on assets | 0.2613% | 5,704 |
| Return on Equity (ROE) | 2.1538% | 5,637 |
| Retained earnings to average equity (ytd only) | 2.1538% | 4,807 |
| Net charge-offs to loans | -0.0409% | 5,476 |
| Credit loss provision to net charge-offs | -37.0370% | 4,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8008% | 717 |
| Assets per employee ($millions) | 8.2437% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6211% | 1,715 |
| Loan loss allowance to noncurrent loans | 152.7514% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 1.0103% | 2,345 |
| Noncurrent loans to loans | 1.0612% | 2,356 |
| Net loans and leases to total assets | 84.6593% | 331 |
| Net loans and leases to deposits | 127.3404% | 53 |
| Net loans and leases to core deposits | 132.7469% | 241 |
| Total domestic deposits to total assets | 66.4827% | 6,079 |
| Equity capital to assets | 12.1357% | 2,009 |
| Core capital (leverage) ratio | 12.7719% | 1,287 |
| Tier 1 risk-based capital ratio | 20.2649% | 1,491 |
| Total risk-based capital ratio | 21.5278% | 1,453 |
| Memoranda: | ||
| Average total assets | $104,596,250 | 4,411 |
| Average earning assets | $98,672,500 | 4,367 |
| Average equity | $12,690,750 | 4,242 |
| Average total loans | $87,937,500 | 3,671 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7509% | 4,234 |
| Cost of funding earning assets | 1.1038% | 95 |
| Net interest margin | 2.6471% | 5,827 |
| Noninterest income to average assets | 0.1525% | 5,799 |
| Noninterest expense to average assets | 2.3982% | 4,553 |
| Loan and lease loss provision to assets | 0.0099% | 3,906 |
| Net operating income to assets | 0.2376% | 5,611 |
| Return on assets (ROA) | 0.2376% | 5,681 |
| Pretax return on assets | 0.2376% | 5,764 |
| Return on Equity (ROE) | 1.9588% | 5,688 |
| Retained earnings to average equity (ytd only) | 1.9588% | 4,720 |
| Net charge-offs to loans | -0.0570% | 5,594 |
| Credit loss provision to net charge-offs | -20.8333% | 4,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6437% | 706 |
| Assets per employee ($millions) | 8.9061% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7706% | 1,431 |
| Loan loss allowance to noncurrent loans | 147.6498% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 1.1125% | 2,280 |
| Noncurrent loans to loans | 1.1992% | 2,262 |
| Net loans and leases to total assets | 83.1623% | 453 |
| Net loans and leases to deposits | 127.7570% | 52 |
| Net loans and leases to core deposits | 133.2404% | 225 |
| Total domestic deposits to total assets | 65.0941% | 6,189 |
| Equity capital to assets | 13.0342% | 1,385 |
| Core capital (leverage) ratio | 13.7152% | 925 |
| Tier 1 risk-based capital ratio | 21.8226% | 1,230 |
| Total risk-based capital ratio | 23.0879% | 1,214 |
| Memoranda: | ||
| Average total assets | $100,991,000 | 4,534 |
| Average earning assets | $95,124,670 | 4,488 |
| Average equity | $12,252,330 | 4,334 |
| Average total loans | $84,144,330 | 3,782 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7701% | 4,131 |
| Cost of funding earning assets | 1.0828% | 109 |
| Net interest margin | 2.6874% | 5,822 |
| Noninterest income to average assets | 0.1550% | 5,813 |
| Noninterest expense to average assets | 2.2968% | 4,892 |
| Loan and lease loss provision to assets | 0.0204% | 3,448 |
| Net operating income to assets | 0.3590% | 5,227 |
| Return on assets (ROA) | 0.3590% | 5,342 |
| Pretax return on assets | 0.3590% | 5,520 |
| Return on Equity (ROE) | 3.0841% | 5,336 |
| Retained earnings to average equity (ytd only) | 3.0841% | 4,129 |
| Net charge-offs to loans | -0.1037% | 5,869 |
| Credit loss provision to net charge-offs | -23.8095% | 4,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8232% | 1,196 |
| Assets per employee ($millions) | 8.3098% | 476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9463% | 1,194 |
| Loan loss allowance to noncurrent loans | 143.9244% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 1.1924% | 2,251 |
| Noncurrent loans to loans | 1.3523% | 2,123 |
| Net loans and leases to total assets | 80.7828% | 596 |
| Net loans and leases to deposits | 127.1105% | 46 |
| Net loans and leases to core deposits | 133.6902% | 208 |
| Total domestic deposits to total assets | 63.5532% | 6,286 |
| Equity capital to assets | 13.9493% | 1,000 |
| Core capital (leverage) ratio | 14.3779% | 723 |
| Tier 1 risk-based capital ratio | 24.6147% | 926 |
| Total risk-based capital ratio | 25.8833% | 907 |
| Memoranda: | ||
| Average total assets | $98,050,000 | 4,622 |
| Average earning assets | $91,986,500 | 4,595 |
| Average equity | $11,413,500 | 4,517 |
| Average total loans | $80,976,500 | 3,862 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8180% | 4,434 |
| Cost of funding earning assets | 1.1504% | 102 |
| Net interest margin | 2.6675% | 5,983 |
| Noninterest income to average assets | 0.3085% | 4,910 |
| Noninterest expense to average assets | 2.6560% | 4,020 |
| Loan and lease loss provision to assets | 0.0999% | 2,491 |
| Net operating income to assets | 0.3463% | 5,390 |
| Return on assets (ROA) | 0.3496% | 5,444 |
| Pretax return on assets | 0.0266% | 6,064 |
| Return on Equity (ROE) | 3.4368% | 5,316 |
| Retained earnings to average equity (ytd only) | 3.4368% | 3,767 |
| Net charge-offs to loans | 0.1355% | 2,663 |
| Credit loss provision to net charge-offs | 94.7368% | 2,542 |
| Earnings coverage of net charge-offs (x) | 1.1684% | 4,484 |
| Efficiency ratio | 95.5671% | 518 |
| Assets per employee ($millions) | 8.7620% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9712% | 1,161 |
| Loan loss allowance to noncurrent loans | 130.1075% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 1.4028% | 1,984 |
| Noncurrent loans to loans | 1.5151% | 1,937 |
| Net loans and leases to total assets | 81.1625% | 617 |
| Net loans and leases to deposits | 116.4008% | 134 |
| Net loans and leases to core deposits | 121.7014% | 376 |
| Total domestic deposits to total assets | 69.7267% | 6,206 |
| Equity capital to assets | 9.2517% | 5,005 |
| Core capital (leverage) ratio | 9.3307% | 4,492 |
| Tier 1 risk-based capital ratio | 16.3890% | 2,764 |
| Total risk-based capital ratio | 17.6107% | 2,726 |
| Memoranda: | ||
| Average total assets | $90,099,400 | 4,835 |
| Average earning assets | $83,447,800 | 4,808 |
| Average equity | $9,165,600 | 4,931 |
| Average total loans | $70,103,400 | 4,181 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7926% | 4,568 |
| Cost of funding earning assets | 1.1638% | 102 |
| Net interest margin | 2.6288% | 6,101 |
| Noninterest income to average assets | 0.3238% | 4,841 |
| Noninterest expense to average assets | 2.7335% | 3,698 |
| Loan and lease loss provision to assets | 0.1130% | 2,159 |
| Net operating income to assets | 0.3495% | 5,424 |
| Return on assets (ROA) | 0.3524% | 5,491 |
| Pretax return on assets | -0.0858% | 6,194 |
| Return on Equity (ROE) | 3.3810% | 5,399 |
| Retained earnings to average equity (ytd only) | 3.3810% | 4,214 |
| Net charge-offs to loans | 0.2009% | 1,857 |
| Credit loss provision to net charge-offs | 73.5294% | 2,703 |
| Earnings coverage of net charge-offs (x) | 0.1471% | 4,427 |
| Efficiency ratio | 99.1803% | 396 |
| Assets per employee ($millions) | 7.5216% | 636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0790% | 1,118 |
| Loan loss allowance to noncurrent loans | 115.2303% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 1.7007% | 1,771 |
| Noncurrent loans to loans | 1.8042% | 1,791 |
| Net loans and leases to total assets | 80.9371% | 616 |
| Net loans and leases to deposits | 118.5175% | 113 |
| Net loans and leases to core deposits | 124.9132% | 300 |
| Total domestic deposits to total assets | 68.2913% | 6,343 |
| Equity capital to assets | 9.7619% | 4,465 |
| Core capital (leverage) ratio | 9.8708% | 3,853 |
| Tier 1 risk-based capital ratio | 17.4953% | 2,397 |
| Total risk-based capital ratio | 18.7310% | 2,363 |
| Memoranda: | ||
| Average total assets | $88,528,750 | 4,929 |
| Average earning assets | $81,911,750 | 4,906 |
| Average equity | $9,227,750 | 4,955 |
| Average total loans | $67,679,500 | 4,287 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7986% | 4,529 |
| Cost of funding earning assets | 1.1627% | 104 |
| Net interest margin | 2.6359% | 6,131 |
| Noninterest income to average assets | 0.3957% | 4,272 |
| Noninterest expense to average assets | 2.8220% | 3,418 |
| Loan and lease loss provision to assets | 0.1364% | 1,815 |
| Net operating income to assets | 0.5337% | 4,676 |
| Return on assets (ROA) | 0.5367% | 4,760 |
| Pretax return on assets | -0.1251% | 6,274 |
| Return on Equity (ROE) | 5.0391% | 4,655 |
| Retained earnings to average equity (ytd only) | 5.0391% | 2,937 |
| Net charge-offs to loans | 0.3090% | 1,310 |
| Credit loss provision to net charge-offs | 59.4059% | 2,655 |
| Earnings coverage of net charge-offs (x) | 0.0297% | 4,123 |
| Efficiency ratio | 99.7588% | 412 |
| Assets per employee ($millions) | 7.4263% | 654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2333% | 978 |
| Loan loss allowance to noncurrent loans | 92.1463% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 2.0490% | 1,547 |
| Noncurrent loans to loans | 2.4236% | 1,294 |
| Net loans and leases to total assets | 75.5036% | 1,232 |
| Net loans and leases to deposits | 110.7882% | 190 |
| Net loans and leases to core deposits | 117.4976% | 441 |
| Total domestic deposits to total assets | 68.1513% | 6,420 |
| Equity capital to assets | 9.9142% | 4,229 |
| Core capital (leverage) ratio | 9.9495% | 3,682 |
| Tier 1 risk-based capital ratio | 19.1854% | 1,879 |
| Total risk-based capital ratio | 20.4616% | 1,835 |
| Memoranda: | ||
| Average total assets | $87,952,000 | 4,976 |
| Average earning assets | $81,187,670 | 4,955 |
| Average equity | $9,366,670 | 4,943 |
| Average total loans | $65,371,330 | 4,382 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8514% | 4,286 |
| Cost of funding earning assets | 1.1618% | 112 |
| Net interest margin | 2.6895% | 6,121 |
| Noninterest income to average assets | 0.5677% | 2,933 |
| Noninterest expense to average assets | 2.5546% | 4,430 |
| Loan and lease loss provision to assets | 0.0687% | 2,758 |
| Net operating income to assets | 0.4349% | 4,995 |
| Return on assets (ROA) | 0.4349% | 5,053 |
| Pretax return on assets | 0.4349% | 5,348 |
| Return on Equity (ROE) | 3.9450% | 5,069 |
| Retained earnings to average equity (ytd only) | 3.9450% | 3,750 |
| Net charge-offs to loans | -0.0251% | 5,467 |
| Credit loss provision to net charge-offs | -375.0000% | 5,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5329% | 1,726 |
| Assets per employee ($millions) | 8.0342% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4607% | 850 |
| Loan loss allowance to noncurrent loans | 82.3287% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 2.2189% | 1,491 |
| Noncurrent loans to loans | 2.9889% | 1,056 |
| Net loans and leases to total assets | 71.6744% | 1,622 |
| Net loans and leases to deposits | 103.9739% | 291 |
| Net loans and leases to core deposits | 110.7395% | 559 |
| Total domestic deposits to total assets | 68.9350% | 6,486 |
| Equity capital to assets | 10.9690% | 2,743 |
| Core capital (leverage) ratio | 10.2388% | 3,236 |
| Tier 1 risk-based capital ratio | 20.3330% | 1,637 |
| Total risk-based capital ratio | 21.5836% | 1,603 |
| Memoranda: | ||
| Average total assets | $87,370,500 | 5,034 |
| Average earning assets | $80,906,000 | 5,003 |
| Average equity | $9,632,500 | 4,902 |
| Average total loans | $63,646,000 | 4,470 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9601% | 4,240 |
| Cost of funding earning assets | 1.1694% | 206 |
| Net interest margin | 2.7907% | 5,996 |
| Noninterest income to average assets | 0.2163% | 5,791 |
| Noninterest expense to average assets | 4.5179% | 522 |
| Loan and lease loss provision to assets | 0.9141% | 214 |
| Net operating income to assets | -3.2848% | 6,774 |
| Return on assets (ROA) | -3.5047% | 6,776 |
| Pretax return on assets | -2.8976% | 6,757 |
| Return on Equity (ROE) | -26.5593% | 6,709 |
| Retained earnings to average equity (ytd only) | -26.5593% | 6,702 |
| Net charge-offs to loans | 2.1411% | 161 |
| Credit loss provision to net charge-offs | 58.9823% | 3,599 |
| Earnings coverage of net charge-offs (x) | -1.1380% | 5,269 |
| Efficiency ratio | 164.0347% | 48 |
| Assets per employee ($millions) | 7.1971% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5308% | 800 |
| Loan loss allowance to noncurrent loans | 83.0526% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 2.4732% | 1,393 |
| Noncurrent loans to loans | 3.0473% | 1,136 |
| Net loans and leases to total assets | 70.3676% | 1,959 |
| Net loans and leases to deposits | 100.1830% | 474 |
| Net loans and leases to core deposits | 104.6025% | 874 |
| Total domestic deposits to total assets | 70.2391% | 6,513 |
| Equity capital to assets | 11.0820% | 2,538 |
| Core capital (leverage) ratio | 10.7691% | 2,605 |
| Tier 1 risk-based capital ratio | 22.2148% | 1,225 |
| Total risk-based capital ratio | 23.4971% | 1,195 |
| Memoranda: | ||
| Average total assets | $83,688,800 | 5,144 |
| Average earning assets | $76,109,800 | 5,152 |
| Average equity | $11,043,200 | 4,624 |
| Average total loans | $60,575,400 | 4,598 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0116% | 4,086 |
| Cost of funding earning assets | 1.1728% | 227 |
| Net interest margin | 2.8388% | 5,946 |
| Noninterest income to average assets | 0.2843% | 5,414 |
| Noninterest expense to average assets | 4.8855% | 368 |
| Loan and lease loss provision to assets | 0.9074% | 193 |
| Net operating income to assets | -3.2987% | 6,857 |
| Return on assets (ROA) | -3.5942% | 6,864 |
| Pretax return on assets | -3.2345% | 6,850 |
| Return on Equity (ROE) | -26.1490% | 6,797 |
| Retained earnings to average equity (ytd only) | -26.1490% | 6,787 |
| Net charge-offs to loans | 2.7605% | 93 |
| Credit loss provision to net charge-offs | 45.3815% | 3,608 |
| Earnings coverage of net charge-offs (x) | -1.0161% | 5,015 |
| Efficiency ratio | 171.1874% | 44 |
| Assets per employee ($millions) | 6.3920% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3850% | 1,063 |
| Loan loss allowance to noncurrent loans | 87.4083% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 2.4718% | 1,562 |
| Noncurrent loans to loans | 2.7286% | 1,546 |
| Net loans and leases to total assets | 70.4330% | 1,886 |
| Net loans and leases to deposits | 98.3829% | 549 |
| Net loans and leases to core deposits | 101.6094% | 1,020 |
| Total domestic deposits to total assets | 71.5907% | 6,520 |
| Equity capital to assets | 12.3833% | 1,645 |
| Core capital (leverage) ratio | 11.3894% | 2,137 |
| Tier 1 risk-based capital ratio | 22.7290% | 1,195 |
| Total risk-based capital ratio | 24.0066% | 1,167 |
| Memoranda: | ||
| Average total assets | $83,019,750 | 5,215 |
| Average earning assets | $75,147,500 | 5,220 |
| Average equity | $11,411,250 | 4,604 |
| Average total loans | $60,131,500 | 4,652 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1593% | 3,505 |
| Cost of funding earning assets | 1.1739% | 235 |
| Net interest margin | 2.9854% | 5,595 |
| Noninterest income to average assets | 0.2313% | 5,791 |
| Noninterest expense to average assets | 5.9378% | 212 |
| Loan and lease loss provision to assets | 1.2892% | 121 |
| Net operating income to assets | -4.8919% | 6,922 |
| Return on assets (ROA) | -5.3353% | 6,921 |
| Pretax return on assets | -4.7425% | 6,919 |
| Return on Equity (ROE) | -37.5732% | 6,882 |
| Retained earnings to average equity (ytd only) | -37.5732% | 6,874 |
| Net charge-offs to loans | 4.1436% | 50 |
| Credit loss provision to net charge-offs | 42.9030% | 3,362 |
| Earnings coverage of net charge-offs (x) | -1.0016% | 4,715 |
| Efficiency ratio | 202.7984% | 31 |
| Assets per employee ($millions) | 6.9533% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3200% | 1,227 |
| Loan loss allowance to noncurrent loans | 76.5608% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 3.0082% | 1,342 |
| Noncurrent loans to loans | 3.0303% | 1,468 |
| Net loans and leases to total assets | 70.5438% | 1,795 |
| Net loans and leases to deposits | 99.3502% | 460 |
| Net loans and leases to core deposits | 103.3719% | 867 |
| Total domestic deposits to total assets | 71.0052% | 6,618 |
| Equity capital to assets | 12.3491% | 1,677 |
| Core capital (leverage) ratio | 11.2259% | 2,150 |
| Tier 1 risk-based capital ratio | 21.6142% | 1,364 |
| Total risk-based capital ratio | 22.7805% | 1,351 |
| Memoranda: | ||
| Average total assets | $82,994,330 | 5,248 |
| Average earning assets | $74,964,000 | 5,250 |
| Average equity | $11,785,000 | 4,573 |
| Average total loans | $60,189,670 | 4,669 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1476% | 3,522 |
| Cost of funding earning assets | 1.1643% | 268 |
| Net interest margin | 2.9832% | 5,617 |
| Noninterest income to average assets | 0.4736% | 3,967 |
| Noninterest expense to average assets | 2.8560% | 3,518 |
| Loan and lease loss provision to assets | 0.1450% | 2,430 |
| Net operating income to assets | 0.1328% | 6,087 |
| Return on assets (ROA) | 0.2465% | 5,858 |
| Pretax return on assets | 0.2948% | 5,862 |
| Return on Equity (ROE) | 1.6287% | 6,050 |
| Retained earnings to average equity (ytd only) | 1.6287% | 5,168 |
| Net charge-offs to loans | 7.3277% | 27 |
| Credit loss provision to net charge-offs | 2.7223% | 3,217 |
| Earnings coverage of net charge-offs (x) | 0.0572% | 3,801 |
| Efficiency ratio | 90.3670% | 1,110 |
| Assets per employee ($millions) | 7.5064% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7684% | 2,744 |
| Loan loss allowance to noncurrent loans | 39.3331% | 5,634 |
| Noncurrent assets plus other real estate owned to assets | 4.3781% | 860 |
| Noncurrent loans to loans | 4.4959% | 922 |
| Net loans and leases to total assets | 69.8317% | 1,689 |
| Net loans and leases to deposits | 99.0177% | 393 |
| Net loans and leases to core deposits | 103.0729% | 764 |
| Total domestic deposits to total assets | 70.5244% | 6,734 |
| Equity capital to assets | 15.1629% | 720 |
| Core capital (leverage) ratio | 13.9393% | 813 |
| Tier 1 risk-based capital ratio | 26.6757% | 733 |
| Total risk-based capital ratio | 27.9393% | 723 |
| Memoranda: | ||
| Average total assets | $82,772,000 | 5,303 |
| Average earning assets | $74,550,000 | 5,306 |
| Average equity | $12,525,500 | 4,467 |
| Average total loans | $60,155,000 | 4,699 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2343% | 4,456 |
| Cost of funding earning assets | 1.3818% | 265 |
| Net interest margin | 2.8525% | 6,305 |
| Noninterest income to average assets | -0.2500% | 6,977 |
| Noninterest expense to average assets | 4.1148% | 845 |
| Loan and lease loss provision to assets | 1.9642% | 111 |
| Net operating income to assets | -2.4025% | 6,966 |
| Return on assets (ROA) | -2.2991% | 6,964 |
| Pretax return on assets | -3.5583% | 7,035 |
| Return on Equity (ROE) | -14.3655% | 6,815 |
| Retained earnings to average equity (ytd only) | -14.3655% | 6,763 |
| Net charge-offs to loans | 0.7237% | 1,625 |
| Credit loss provision to net charge-offs | 378.6364% | 646 |
| Earnings coverage of net charge-offs (x) | -3.3795% | 5,884 |
| Efficiency ratio | 174.2386% | 61 |
| Assets per employee ($millions) | 6.9145% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4247% | 455 |
| Loan loss allowance to noncurrent loans | 41.8568% | 5,543 |
| Noncurrent assets plus other real estate owned to assets | 6.3164% | 528 |
| Noncurrent loans to loans | 8.1818% | 349 |
| Net loans and leases to total assets | 71.7116% | 1,528 |
| Net loans and leases to deposits | 100.1987% | 406 |
| Net loans and leases to core deposits | 104.6557% | 753 |
| Total domestic deposits to total assets | 71.5694% | 6,713 |
| Equity capital to assets | 15.1023% | 711 |
| Core capital (leverage) ratio | 13.4414% | 968 |
| Tier 1 risk-based capital ratio | 25.5583% | 802 |
| Total risk-based capital ratio | 26.8323% | 793 |
| Memoranda: | ||
| Average total assets | $84,816,200 | 5,227 |
| Average earning assets | $77,652,400 | 5,197 |
| Average equity | $13,574,200 | 4,241 |
| Average total loans | $60,799,200 | 4,681 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1660% | 4,933 |
| Cost of funding earning assets | 1.4210% | 278 |
| Net interest margin | 2.7451% | 6,582 |
| Noninterest income to average assets | -0.1485% | 7,052 |
| Noninterest expense to average assets | 3.5054% | 1,744 |
| Loan and lease loss provision to assets | 2.0810% | 105 |
| Net operating income to assets | -2.0648% | 7,046 |
| Return on assets (ROA) | -1.9637% | 7,044 |
| Pretax return on assets | -3.0519% | 7,113 |
| Return on Equity (ROE) | -12.1042% | 6,896 |
| Retained earnings to average equity (ytd only) | -12.1042% | 6,861 |
| Net charge-offs to loans | 0.6667% | 1,647 |
| Credit loss provision to net charge-offs | 439.2739% | 609 |
| Earnings coverage of net charge-offs (x) | -2.3828% | 5,664 |
| Efficiency ratio | 147.5000% | 97 |
| Assets per employee ($millions) | 8.4985% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1753% | 615 |
| Loan loss allowance to noncurrent loans | 35.9466% | 5,850 |
| Noncurrent assets plus other real estate owned to assets | 6.8577% | 530 |
| Noncurrent loans to loans | 8.8333% | 319 |
| Net loans and leases to total assets | 68.6039% | 2,191 |
| Net loans and leases to deposits | 95.9752% | 661 |
| Net loans and leases to core deposits | 100.5536% | 1,086 |
| Total domestic deposits to total assets | 71.4808% | 6,764 |
| Equity capital to assets | 15.6416% | 680 |
| Core capital (leverage) ratio | 14.5262% | 701 |
| Tier 1 risk-based capital ratio | 27.6777% | 693 |
| Total risk-based capital ratio | 28.9657% | 670 |
| Memoranda: | ||
| Average total assets | $85,276,750 | 5,265 |
| Average earning assets | $78,442,000 | 5,228 |
| Average equity | $13,835,000 | 4,229 |
| Average total loans | $60,596,000 | 4,742 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1553% | 5,110 |
| Cost of funding earning assets | 1.4392% | 303 |
| Net interest margin | 2.7162% | 6,693 |
| Noninterest income to average assets | -0.2179% | 7,136 |
| Noninterest expense to average assets | 3.7435% | 1,307 |
| Loan and lease loss provision to assets | 2.4762% | 89 |
| Net operating income to assets | -2.5380% | 7,125 |
| Return on assets (ROA) | -2.5441% | 7,132 |
| Pretax return on assets | -3.9356% | 7,187 |
| Return on Equity (ROE) | -15.4969% | 6,983 |
| Retained earnings to average equity (ytd only) | -15.4969% | 6,947 |
| Net charge-offs to loans | 0.5039% | 2,075 |
| Credit loss provision to net charge-offs | 690.8497% | 464 |
| Earnings coverage of net charge-offs (x) | -4.0458% | 5,431 |
| Efficiency ratio | 163.2278% | 77 |
| Assets per employee ($millions) | 7.8515% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0026% | 780 |
| Loan loss allowance to noncurrent loans | 40.1257% | 5,649 |
| Noncurrent assets plus other real estate owned to assets | 5.7986% | 752 |
| Noncurrent loans to loans | 7.4829% | 489 |
| Net loans and leases to total assets | 66.8793% | 2,487 |
| Net loans and leases to deposits | 93.5068% | 815 |
| Net loans and leases to core deposits | 97.8635% | 1,288 |
| Total domestic deposits to total assets | 71.5235% | 6,829 |
| Equity capital to assets | 15.6751% | 647 |
| Core capital (leverage) ratio | 14.6043% | 677 |
| Tier 1 risk-based capital ratio | 28.6434% | 599 |
| Total risk-based capital ratio | 29.9565% | 578 |
| Memoranda: | ||
| Average total assets | $85,374,000 | 5,293 |
| Average earning assets | $78,934,670 | 5,240 |
| Average equity | $14,015,670 | 4,191 |
| Average total loans | $60,723,000 | 4,756 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2683% | 4,856 |
| Cost of funding earning assets | 1.4738% | 324 |
| Net interest margin | 2.7945% | 6,649 |
| Noninterest income to average assets | -0.6551% | 7,262 |
| Noninterest expense to average assets | 2.8606% | 3,782 |
| Loan and lease loss provision to assets | 2.7428% | 82 |
| Net operating income to assets | -3.2282% | 7,235 |
| Return on assets (ROA) | -3.2282% | 7,235 |
| Pretax return on assets | -3.6759% | 7,237 |
| Return on Equity (ROE) | -19.2220% | 7,103 |
| Retained earnings to average equity (ytd only) | -19.2220% | 7,037 |
| Net charge-offs to loans | 0.2153% | 2,851 |
| Credit loss provision to net charge-offs | 1,763.6364% | 192 |
| Earnings coverage of net charge-offs (x) | -6.0000% | 4,674 |
| Efficiency ratio | 148.4108% | 111 |
| Assets per employee ($millions) | 8.5841% | 380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3825% | 1,537 |
| Loan loss allowance to noncurrent loans | 31.7598% | 6,080 |
| Noncurrent assets plus other real estate owned to assets | 5.7676% | 832 |
| Noncurrent loans to loans | 7.5017% | 560 |
| Net loans and leases to total assets | 68.3974% | 2,043 |
| Net loans and leases to deposits | 93.6486% | 690 |
| Net loans and leases to core deposits | 98.3352% | 1,109 |
| Total domestic deposits to total assets | 73.0362% | 6,828 |
| Equity capital to assets | 16.2195% | 539 |
| Core capital (leverage) ratio | 16.1089% | 448 |
| Tier 1 risk-based capital ratio | 31.8867% | 438 |
| Total risk-based capital ratio | 33.1804% | 429 |
| Memoranda: | ||
| Average total assets | $84,878,000 | 5,344 |
| Average earning assets | $78,439,000 | 5,289 |
| Average equity | $14,254,500 | 4,145 |
| Average total loans | $61,310,000 | 4,760 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0155% | 2,809 |
| Cost of funding earning assets | 1.6791% | 346 |
| Net interest margin | 3.3363% | 5,702 |
| Noninterest income to average assets | 0.0957% | 6,657 |
| Noninterest expense to average assets | 2.7515% | 4,543 |
| Loan and lease loss provision to assets | 0.9401% | 1,024 |
| Net operating income to assets | -0.2873% | 6,335 |
| Return on assets (ROA) | -0.2947% | 6,390 |
| Pretax return on assets | -0.5026% | 6,497 |
| Return on Equity (ROE) | -1.5691% | 6,302 |
| Retained earnings to average equity (ytd only) | -1.5691% | 6,100 |
| Net charge-offs to loans | 1.0724% | 1,609 |
| Credit loss provision to net charge-offs | 108.7021% | 3,100 |
| Earnings coverage of net charge-offs (x) | 0.5192% | 5,440 |
| Efficiency ratio | 85.9705% | 1,569 |
| Assets per employee ($millions) | 8.3915% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8628% | 6,617 |
| Loan loss allowance to noncurrent loans | 15.4752% | 6,732 |
| Noncurrent assets plus other real estate owned to assets | 5.0039% | 1,067 |
| Noncurrent loans to loans | 5.5751% | 941 |
| Net loans and leases to total assets | 73.8068% | 1,307 |
| Net loans and leases to deposits | 99.8018% | 466 |
| Net loans and leases to core deposits | 104.4136% | 875 |
| Total domestic deposits to total assets | 73.9534% | 6,723 |
| Equity capital to assets | 17.3819% | 401 |
| Core capital (leverage) ratio | 17.3090% | 344 |
| Tier 1 risk-based capital ratio | 32.5337% | 405 |
| Total risk-based capital ratio | 33.7421% | 399 |
| Memoranda: | ||
| Average total assets | $78,392,800 | 5,491 |
| Average earning assets | $72,954,400 | 5,448 |
| Average equity | $14,721,600 | 3,963 |
| Average total loans | $63,222,600 | 4,738 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0825% | 2,695 |
| Cost of funding earning assets | 1.7010% | 391 |
| Net interest margin | 3.3815% | 5,631 |
| Noninterest income to average assets | 0.1056% | 6,721 |
| Noninterest expense to average assets | 2.5485% | 5,287 |
| Loan and lease loss provision to assets | 0.5765% | 1,704 |
| Net operating income to assets | 0.1086% | 5,943 |
| Return on assets (ROA) | 0.0952% | 6,091 |
| Pretax return on assets | 0.1108% | 6,073 |
| Return on Equity (ROE) | 0.4970% | 6,174 |
| Retained earnings to average equity (ytd only) | 0.4970% | 5,805 |
| Net charge-offs to loans | 0.4899% | 2,789 |
| Credit loss provision to net charge-offs | 142.9185% | 2,222 |
| Earnings coverage of net charge-offs (x) | 1.7425% | 4,346 |
| Efficiency ratio | 78.3813% | 2,495 |
| Assets per employee ($millions) | 10.5918% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 6,035 |
| Loan loss allowance to noncurrent loans | 19.0609% | 6,710 |
| Noncurrent assets plus other real estate owned to assets | 4.8410% | 1,200 |
| Noncurrent loans to loans | 5.5245% | 1,072 |
| Net loans and leases to total assets | 75.6296% | 1,035 |
| Net loans and leases to deposits | 102.3984% | 374 |
| Net loans and leases to core deposits | 108.0037% | 768 |
| Total domestic deposits to total assets | 73.8582% | 6,776 |
| Equity capital to assets | 17.5408% | 437 |
| Core capital (leverage) ratio | 17.4775% | 365 |
| Tier 1 risk-based capital ratio | 33.2480% | 412 |
| Total risk-based capital ratio | 34.4972% | 405 |
| Memoranda: | ||
| Average total assets | $77,012,250 | 5,578 |
| Average earning assets | $71,643,250 | 5,529 |
| Average equity | $14,755,500 | 3,967 |
| Average total loans | $63,409,750 | 4,782 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3000% | 1,892 |
| Cost of funding earning assets | 1.7223% | 429 |
| Net interest margin | 3.5777% | 4,798 |
| Noninterest income to average assets | 0.0833% | 6,908 |
| Noninterest expense to average assets | 2.7325% | 4,692 |
| Loan and lease loss provision to assets | 0.6932% | 1,372 |
| Net operating income to assets | 0.0020% | 6,219 |
| Return on assets (ROA) | -0.0134% | 6,314 |
| Pretax return on assets | -0.0457% | 6,313 |
| Return on Equity (ROE) | -0.0679% | 6,309 |
| Retained earnings to average equity (ytd only) | -0.0679% | 5,851 |
| Net charge-offs to loans | 0.6798% | 2,136 |
| Credit loss provision to net charge-offs | 120.5607% | 2,532 |
| Earnings coverage of net charge-offs (x) | 1.1682% | 4,403 |
| Efficiency ratio | 80.2684% | 2,348 |
| Assets per employee ($millions) | 11.1909% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9671% | 6,460 |
| Loan loss allowance to noncurrent loans | 16.0061% | 6,836 |
| Noncurrent assets plus other real estate owned to assets | 5.3743% | 1,109 |
| Noncurrent loans to loans | 6.0420% | 981 |
| Net loans and leases to total assets | 81.8321% | 383 |
| Net loans and leases to deposits | 113.9384% | 125 |
| Net loans and leases to core deposits | 117.8296% | 480 |
| Total domestic deposits to total assets | 71.8214% | 7,018 |
| Equity capital to assets | 18.8279% | 329 |
| Core capital (leverage) ratio | 18.8165% | 285 |
| Tier 1 risk-based capital ratio | 34.7291% | 357 |
| Total risk-based capital ratio | 35.9780% | 351 |
| Memoranda: | ||
| Average total assets | $74,438,330 | 5,708 |
| Average earning assets | $69,094,000 | 5,654 |
| Average equity | $14,719,670 | 3,955 |
| Average total loans | $62,957,670 | 4,833 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3496% | 1,722 |
| Cost of funding earning assets | 1.7455% | 458 |
| Net interest margin | 3.6041% | 4,553 |
| Noninterest income to average assets | 0.0166% | 7,256 |
| Noninterest expense to average assets | 2.6211% | 5,150 |
| Loan and lease loss provision to assets | 0.2869% | 2,853 |
| Net operating income to assets | 0.4083% | 4,911 |
| Return on assets (ROA) | 0.4083% | 4,999 |
| Pretax return on assets | 0.4470% | 5,198 |
| Return on Equity (ROE) | 2.0129% | 5,781 |
| Retained earnings to average equity (ytd only) | 2.0129% | 4,924 |
| Net charge-offs to loans | 0.3802% | 2,548 |
| Credit loss provision to net charge-offs | 88.1356% | 2,971 |
| Earnings coverage of net charge-offs (x) | 2.2542% | 3,187 |
| Efficiency ratio | 78.1250% | 2,827 |
| Assets per employee ($millions) | 9.0928% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9135% | 6,662 |
| Loan loss allowance to noncurrent loans | 11.5756% | 6,987 |
| Noncurrent assets plus other real estate owned to assets | 7.4262% | 682 |
| Noncurrent loans to loans | 7.8913% | 641 |
| Net loans and leases to total assets | 85.8940% | 135 |
| Net loans and leases to deposits | 116.4626% | 111 |
| Net loans and leases to core deposits | 119.4574% | 430 |
| Total domestic deposits to total assets | 73.7524% | 6,925 |
| Equity capital to assets | 20.2689% | 243 |
| Core capital (leverage) ratio | 20.3269% | 213 |
| Tier 1 risk-based capital ratio | 35.3767% | 339 |
| Total risk-based capital ratio | 36.6271% | 331 |
| Memoranda: | ||
| Average total assets | $72,489,500 | 5,806 |
| Average earning assets | $67,145,000 | 5,759 |
| Average equity | $14,705,000 | 3,957 |
| Average total loans | $62,071,500 | 4,903 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5438% | 2,109 |
| Cost of funding earning assets | 2.1223% | 395 |
| Net interest margin | 3.4215% | 5,543 |
| Noninterest income to average assets | 0.1885% | 6,406 |
| Noninterest expense to average assets | 2.5916% | 5,455 |
| Loan and lease loss provision to assets | 0.2265% | 5,014 |
| Net operating income to assets | 0.4508% | 4,314 |
| Return on assets (ROA) | 0.4263% | 4,571 |
| Pretax return on assets | 0.5163% | 4,559 |
| Return on Equity (ROE) | 2.0808% | 5,356 |
| Retained earnings to average equity (ytd only) | 2.0808% | 4,426 |
| Net charge-offs to loans | 0.6792% | 2,969 |
| Credit loss provision to net charge-offs | 39.1727% | 6,399 |
| Earnings coverage of net charge-offs (x) | 1.3358% | 4,768 |
| Efficiency ratio | 77.0389% | 2,867 |
| Assets per employee ($millions) | 9.0296% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 6,565 |
| Loan loss allowance to noncurrent loans | 11.3406% | 7,070 |
| Noncurrent assets plus other real estate owned to assets | 7.7772% | 653 |
| Noncurrent loans to loans | 8.4013% | 592 |
| Net loans and leases to total assets | 83.7576% | 324 |
| Net loans and leases to deposits | 113.7186% | 178 |
| Net loans and leases to core deposits | 116.6545% | 619 |
| Total domestic deposits to total assets | 73.6534% | 6,930 |
| Equity capital to assets | 20.3026% | 243 |
| Core capital (leverage) ratio | 20.3644% | 214 |
| Tier 1 risk-based capital ratio | 35.8872% | 325 |
| Total risk-based capital ratio | 37.1377% | 313 |
| Memoranda: | ||
| Average total assets | $71,076,400 | 5,854 |
| Average earning assets | $65,965,800 | 5,800 |
| Average equity | $14,561,400 | 4,019 |
| Average total loans | $60,515,800 | 5,048 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5176% | 2,364 |
| Cost of funding earning assets | 2.1766% | 412 |
| Net interest margin | 3.3410% | 5,880 |
| Noninterest income to average assets | 0.1187% | 6,957 |
| Noninterest expense to average assets | 2.4693% | 5,821 |
| Loan and lease loss provision to assets | 0.1130% | 5,902 |
| Net operating income to assets | 0.5021% | 4,306 |
| Return on assets (ROA) | 0.4709% | 4,636 |
| Pretax return on assets | 0.5990% | 4,595 |
| Return on Equity (ROE) | 2.2933% | 5,494 |
| Retained earnings to average equity (ytd only) | 2.2933% | 4,792 |
| Net charge-offs to loans | 0.8524% | 2,316 |
| Credit loss provision to net charge-offs | 15.5440% | 6,292 |
| Earnings coverage of net charge-offs (x) | 1.0337% | 5,027 |
| Efficiency ratio | 76.6667% | 2,819 |
| Assets per employee ($millions) | 10.3227% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8645% | 6,852 |
| Loan loss allowance to noncurrent loans | 10.7547% | 7,171 |
| Noncurrent assets plus other real estate owned to assets | 7.3499% | 722 |
| Noncurrent loans to loans | 8.0388% | 645 |
| Net loans and leases to total assets | 82.9945% | 409 |
| Net loans and leases to deposits | 112.8972% | 206 |
| Net loans and leases to core deposits | 115.8077% | 752 |
| Total domestic deposits to total assets | 73.5133% | 6,987 |
| Equity capital to assets | 20.3601% | 265 |
| Core capital (leverage) ratio | 20.3194% | 233 |
| Tier 1 risk-based capital ratio | 36.5082% | 316 |
| Total risk-based capital ratio | 37.7576% | 312 |
| Memoranda: | ||
| Average total assets | $70,786,250 | 5,923 |
| Average earning assets | $65,727,250 | 5,870 |
| Average equity | $14,535,250 | 4,090 |
| Average total loans | $60,373,250 | 5,131 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5004% | 2,509 |
| Cost of funding earning assets | 2.2418% | 409 |
| Net interest margin | 3.2586% | 6,139 |
| Noninterest income to average assets | 0.1195% | 7,007 |
| Noninterest expense to average assets | 2.3785% | 6,120 |
| Loan and lease loss provision to assets | 0.1707% | 5,165 |
| Net operating income to assets | 0.4535% | 4,538 |
| Return on assets (ROA) | 0.4211% | 4,812 |
| Pretax return on assets | 0.5548% | 4,722 |
| Return on Equity (ROE) | 2.0447% | 5,622 |
| Retained earnings to average equity (ytd only) | 2.0447% | 4,839 |
| Net charge-offs to loans | 0.0597% | 5,557 |
| Credit loss provision to net charge-offs | 333.3333% | 1,087 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,481 |
| Efficiency ratio | 75.5877% | 3,145 |
| Assets per employee ($millions) | 10.2673% | 235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7701% | 2,817 |
| Loan loss allowance to noncurrent loans | 17.4197% | 7,057 |
| Noncurrent assets plus other real estate owned to assets | 8.8659% | 510 |
| Noncurrent loans to loans | 10.1613% | 434 |
| Net loans and leases to total assets | 82.4658% | 490 |
| Net loans and leases to deposits | 111.9022% | 234 |
| Net loans and leases to core deposits | 114.1941% | 910 |
| Total domestic deposits to total assets | 73.6945% | 7,013 |
| Equity capital to assets | 20.2460% | 272 |
| Core capital (leverage) ratio | 20.2637% | 233 |
| Tier 1 risk-based capital ratio | 36.0248% | 324 |
| Total risk-based capital ratio | 37.2737% | 314 |
| Memoranda: | ||
| Average total assets | $70,295,330 | 5,970 |
| Average earning assets | $65,304,670 | 5,916 |
| Average equity | $14,476,330 | 4,095 |
| Average total loans | $60,333,000 | 5,163 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5343% | 2,436 |
| Cost of funding earning assets | 2.2745% | 462 |
| Net interest margin | 3.2599% | 6,097 |
| Noninterest income to average assets | 0.1209% | 7,085 |
| Noninterest expense to average assets | 2.0660% | 7,022 |
| Loan and lease loss provision to assets | 0.1726% | 4,796 |
| Net operating income to assets | 0.7309% | 3,298 |
| Return on assets (ROA) | 0.7309% | 3,407 |
| Pretax return on assets | 0.9093% | 3,431 |
| Return on Equity (ROE) | 3.5182% | 5,100 |
| Retained earnings to average equity (ytd only) | 3.5182% | 4,032 |
| Net charge-offs to loans | 0.0066% | 5,513 |
| Credit loss provision to net charge-offs | 3,000.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 188.0000% | 183 |
| Efficiency ratio | 65.6307% | 5,200 |
| Assets per employee ($millions) | 11.6485% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7603% | 2,863 |
| Loan loss allowance to noncurrent loans | 18.5094% | 7,084 |
| Noncurrent assets plus other real estate owned to assets | 8.4846% | 560 |
| Noncurrent loans to loans | 9.5105% | 463 |
| Net loans and leases to total assets | 84.0809% | 366 |
| Net loans and leases to deposits | 114.9797% | 196 |
| Net loans and leases to core deposits | 118.0091% | 868 |
| Total domestic deposits to total assets | 73.1267% | 7,148 |
| Equity capital to assets | 20.7552% | 251 |
| Core capital (leverage) ratio | 20.7994% | 219 |
| Tier 1 risk-based capital ratio | 36.1322% | 328 |
| Total risk-based capital ratio | 37.3618% | 320 |
| Memoranda: | ||
| Average total assets | $69,507,500 | 6,060 |
| Average earning assets | $64,542,500 | 6,015 |
| Average equity | $14,439,000 | 4,138 |
| Average total loans | $60,331,000 | 5,235 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7665% | 2,796 |
| Cost of funding earning assets | 2.7383% | 533 |
| Net interest margin | 3.0281% | 6,572 |
| Noninterest income to average assets | 0.1377% | 7,059 |
| Noninterest expense to average assets | 2.2804% | 6,803 |
| Loan and lease loss provision to assets | 0.9255% | 2,425 |
| Net operating income to assets | -0.0994% | 5,678 |
| Return on assets (ROA) | -0.0918% | 5,672 |
| Pretax return on assets | -0.2399% | 5,751 |
| Return on Equity (ROE) | -0.4278% | 5,609 |
| Retained earnings to average equity (ytd only) | -0.4278% | 5,076 |
| Net charge-offs to loans | 0.0017% | 7,230 |
| Credit loss provision to net charge-offs | 62,500.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 455.0000% | 62 |
| Efficiency ratio | 77.1930% | 3,328 |
| Assets per employee ($millions) | 11.5207% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6797% | 2,966 |
| Loan loss allowance to noncurrent loans | 21.3050% | 6,997 |
| Noncurrent assets plus other real estate owned to assets | 7.2884% | 685 |
| Noncurrent loans to loans | 7.8841% | 649 |
| Net loans and leases to total assets | 86.5430% | 247 |
| Net loans and leases to deposits | 118.5157% | 198 |
| Net loans and leases to core deposits | 154.0653% | 426 |
| Total domestic deposits to total assets | 73.0224% | 7,148 |
| Equity capital to assets | 20.7916% | 257 |
| Core capital (leverage) ratio | 20.8443% | 248 |
| Tier 1 risk-based capital ratio | 35.9892% | 321 |
| Total risk-based capital ratio | 37.1724% | 320 |
| Memoranda: | ||
| Average total assets | $67,533,400 | 6,094 |
| Average earning assets | $62,811,600 | 6,040 |
| Average equity | $14,494,000 | 4,148 |
| Average total loans | $58,607,200 | 5,314 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8210% | 2,795 |
| Cost of funding earning assets | 2.8027% | 591 |
| Net interest margin | 3.0183% | 6,556 |
| Noninterest income to average assets | 0.1370% | 7,196 |
| Noninterest expense to average assets | 2.1746% | 7,038 |
| Loan and lease loss provision to assets | 0.3178% | 4,441 |
| Net operating income to assets | 0.3515% | 4,595 |
| Return on assets (ROA) | 0.3515% | 4,691 |
| Pretax return on assets | 0.4528% | 4,657 |
| Return on Equity (ROE) | 1.6248% | 5,295 |
| Retained earnings to average equity (ytd only) | 1.6248% | 4,406 |
| Net charge-offs to loans | 0.0115% | 6,774 |
| Credit loss provision to net charge-offs | 3,200.0000% | 127 |
| Earnings coverage of net charge-offs (x) | 77.5592% | 439 |
| Efficiency ratio | 73.8368% | 3,886 |
| Assets per employee ($millions) | 11.4552% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9177% | 6,683 |
| Loan loss allowance to noncurrent loans | 11.6963% | 7,417 |
| Noncurrent assets plus other real estate owned to assets | 7.2296% | 644 |
| Noncurrent loans to loans | 7.8459% | 630 |
| Net loans and leases to total assets | 86.8720% | 284 |
| Net loans and leases to deposits | 120.0571% | 205 |
| Net loans and leases to core deposits | 152.6981% | 517 |
| Total domestic deposits to total assets | 72.3589% | 7,166 |
| Equity capital to assets | 21.3906% | 269 |
| Core capital (leverage) ratio | 21.3422% | 249 |
| Tier 1 risk-based capital ratio | 35.5450% | 371 |
| Total risk-based capital ratio | 36.7867% | 365 |
| Memoranda: | ||
| Average total assets | $67,135,750 | 6,146 |
| Average earning assets | $62,462,250 | 6,089 |
| Average equity | $14,524,500 | 4,182 |
| Average total loans | $58,048,000 | 5,378 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8267% | 2,918 |
| Cost of funding earning assets | 2.8423% | 709 |
| Net interest margin | 2.9844% | 6,594 |
| Noninterest income to average assets | 0.1381% | 7,267 |
| Noninterest expense to average assets | 2.2161% | 7,019 |
| Loan and lease loss provision to assets | 0.3754% | 3,678 |
| Net operating income to assets | 0.2612% | 5,045 |
| Return on assets (ROA) | 0.2612% | 5,140 |
| Pretax return on assets | 0.3213% | 5,160 |
| Return on Equity (ROE) | 1.2029% | 5,569 |
| Retained earnings to average equity (ytd only) | 1.2029% | 4,674 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0825% | 3,677 |
| Assets per employee ($millions) | 11.4027% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8964% | 6,786 |
| Loan loss allowance to noncurrent loans | 12.8344% | 7,433 |
| Noncurrent assets plus other real estate owned to assets | 6.3085% | 747 |
| Noncurrent loans to loans | 6.9846% | 700 |
| Net loans and leases to total assets | 84.5124% | 558 |
| Net loans and leases to deposits | 117.9735% | 278 |
| Net loans and leases to core deposits | 146.2650% | 748 |
| Total domestic deposits to total assets | 71.6368% | 7,287 |
| Equity capital to assets | 21.2026% | 319 |
| Core capital (leverage) ratio | 21.2728% | 306 |
| Tier 1 risk-based capital ratio | 37.1512% | 368 |
| Total risk-based capital ratio | 38.4009% | 358 |
| Memoranda: | ||
| Average total assets | $66,604,000 | 6,203 |
| Average earning assets | $61,921,670 | 6,147 |
| Average equity | $14,465,330 | 4,204 |
| Average total loans | $57,310,330 | 5,454 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8202% | 3,197 |
| Cost of funding earning assets | 2.8839% | 801 |
| Net interest margin | 2.9363% | 6,651 |
| Noninterest income to average assets | 0.1400% | 7,299 |
| Noninterest expense to average assets | 2.1127% | 7,087 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5480% | 4,225 |
| Return on assets (ROA) | 0.5480% | 4,407 |
| Pretax return on assets | 0.7550% | 4,236 |
| Return on Equity (ROE) | 2.4922% | 5,576 |
| Retained earnings to average equity (ytd only) | 2.4922% | 4,485 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6730% | 3,880 |
| Assets per employee ($millions) | 11.1608% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6919% | 7,456 |
| Loan loss allowance to noncurrent loans | 11.6849% | 7,486 |
| Noncurrent assets plus other real estate owned to assets | 5.4207% | 796 |
| Noncurrent loans to loans | 5.9215% | 818 |
| Net loans and leases to total assets | 84.8742% | 565 |
| Net loans and leases to deposits | 119.3357% | 304 |
| Net loans and leases to core deposits | 148.0451% | 780 |
| Total domestic deposits to total assets | 71.1222% | 7,316 |
| Equity capital to assets | 21.6636% | 320 |
| Core capital (leverage) ratio | 21.7223% | 317 |
| Tier 1 risk-based capital ratio | 38.4778% | 347 |
| Total risk-based capital ratio | 39.5236% | 344 |
| Memoranda: | ||
| Average total assets | $65,698,000 | 6,264 |
| Average earning assets | $61,028,500 | 6,214 |
| Average equity | $14,445,000 | 4,237 |
| Average total loans | $56,794,000 | 5,513 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2484% | 4,250 |
| Cost of funding earning assets | 3.1942% | 1,211 |
| Net interest margin | 3.0542% | 6,779 |
| Noninterest income to average assets | -0.0141% | 8,163 |
| Noninterest expense to average assets | 2.2863% | 6,740 |
| Loan and lease loss provision to assets | 0.2003% | 4,889 |
| Net operating income to assets | 0.2516% | 5,705 |
| Return on assets (ROA) | 0.3537% | 5,145 |
| Pretax return on assets | 0.4695% | 5,072 |
| Return on Equity (ROE) | 1.5458% | 5,755 |
| Retained earnings to average equity (ytd only) | 1.5458% | 4,296 |
| Net charge-offs to loans | 0.2133% | 4,078 |
| Credit loss provision to net charge-offs | 107.5630% | 4,989 |
| Earnings coverage of net charge-offs (x) | 2.8655% | 4,644 |
| Efficiency ratio | 81.0766% | 2,435 |
| Assets per employee ($millions) | 10.7385% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7027% | 7,416 |
| Loan loss allowance to noncurrent loans | 11.9529% | 7,475 |
| Noncurrent assets plus other real estate owned to assets | 5.5160% | 585 |
| Noncurrent loans to loans | 5.8787% | 629 |
| Net loans and leases to total assets | 86.8526% | 487 |
| Net loans and leases to deposits | 123.5811% | 307 |
| Net loans and leases to core deposits | 152.4380% | 768 |
| Total domestic deposits to total assets | 70.2798% | 7,244 |
| Equity capital to assets | 22.3231% | 335 |
| Core capital (leverage) ratio | 22.4180% | 325 |
| Tier 1 risk-based capital ratio | 38.9761% | 357 |
| Total risk-based capital ratio | 40.0420% | 352 |
| Memoranda: | ||
| Average total assets | $63,901,400 | 6,235 |
| Average earning assets | $59,295,000 | 6,203 |
| Average equity | $14,620,200 | 4,215 |
| Average total loans | $55,781,200 | 5,460 |