Home > Wawel Bank > Performance and Condition Ratios
Wawel Bank, Performance and Condition Ratios
| 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 | 3.7339% | 4,258 |
| Cost of funding earning assets | 0.7328% | 881 |
| Net interest margin | 3.0010% | 4,884 |
| Noninterest income to average assets | 0.3298% | 4,114 |
| Noninterest expense to average assets | 3.9515% | 572 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -1.1995% | 5,614 |
| Return on assets (ROA) | -1.1995% | 5,611 |
| Pretax return on assets | -1.1967% | 5,615 |
| Return on Equity (ROE) | -12.6069% | 5,614 |
| Retained earnings to average equity (ytd only) | -12.6069% | 5,572 |
| Net charge-offs to loans | -0.0738% | 5,297 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.4414% | 30 |
| Assets per employee ($millions) | 6.1167% | 1,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 2,407 |
| Loan loss allowance to noncurrent loans | 144.4444% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.5518% | 2,717 |
| Noncurrent loans to loans | 0.8748% | 2,036 |
| Net loans and leases to total assets | 62.2752% | 3,584 |
| Net loans and leases to deposits | 68.7606% | 3,967 |
| Net loans and leases to core deposits | 69.4554% | 4,211 |
| Total domestic deposits to total assets | 90.5681% | 372 |
| Equity capital to assets | 8.8529% | 4,855 |
| Core capital (leverage) ratio | 8.8975% | 4,757 |
| Tier 1 risk-based capital ratio | 15.2636% | 2,720 |
| Total risk-based capital ratio | 16.5132% | 2,653 |
| Memoranda: | ||
| Average total assets | $72,781,600 | 4,727 |
| Average earning assets | $58,813,200 | 4,883 |
| Average equity | $6,924,800 | 4,953 |
| Average total loans | $48,806,400 | 4,494 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7996% | 4,014 |
| Cost of funding earning assets | 0.7326% | 835 |
| Net interest margin | 3.0670% | 4,784 |
| Noninterest income to average assets | 0.3708% | 3,871 |
| Noninterest expense to average assets | 3.9617% | 543 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -1.1198% | 5,678 |
| Return on assets (ROA) | -1.1198% | 5,678 |
| Pretax return on assets | -1.1162% | 5,669 |
| Return on Equity (ROE) | -11.5667% | 5,679 |
| Retained earnings to average equity (ytd only) | -11.5667% | 5,625 |
| Net charge-offs to loans | -0.0728% | 5,285 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.2258% | 34 |
| Assets per employee ($millions) | 5.9835% | 1,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 2,843 |
| Loan loss allowance to noncurrent loans | 374.0260% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.2145% | 4,220 |
| Noncurrent loans to loans | 0.3246% | 3,782 |
| Net loans and leases to total assets | 65.2739% | 3,209 |
| Net loans and leases to deposits | 72.5354% | 3,715 |
| Net loans and leases to core deposits | 73.5808% | 4,013 |
| Total domestic deposits to total assets | 89.9891% | 479 |
| Equity capital to assets | 9.4162% | 4,528 |
| Core capital (leverage) ratio | 9.5944% | 4,040 |
| Tier 1 risk-based capital ratio | 15.7860% | 2,598 |
| Total risk-based capital ratio | 17.0352% | 2,534 |
| Memoranda: | ||
| Average total assets | $72,627,000 | 4,780 |
| Average earning assets | $58,600,750 | 4,943 |
| Average equity | $7,031,500 | 4,991 |
| Average total loans | $49,434,250 | 4,515 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8845% | 3,605 |
| Cost of funding earning assets | 0.7584% | 660 |
| Net interest margin | 3.1260% | 4,615 |
| Noninterest income to average assets | 0.2167% | 4,957 |
| Noninterest expense to average assets | 4.0959% | 472 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -1.3772% | 5,742 |
| Return on assets (ROA) | -1.3772% | 5,741 |
| Pretax return on assets | -1.3690% | 5,738 |
| Return on Equity (ROE) | -14.0978% | 5,739 |
| Retained earnings to average equity (ytd only) | -14.0978% | 5,698 |
| Net charge-offs to loans | -0.0719% | 5,309 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.2012% | 26 |
| Assets per employee ($millions) | 4.7049% | 2,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1368% | 3,385 |
| Loan loss allowance to noncurrent loans | 368.1818% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.2182% | 4,283 |
| Noncurrent loans to loans | 0.3088% | 3,934 |
| Net loans and leases to total assets | 69.8685% | 2,549 |
| Net loans and leases to deposits | 77.8334% | 3,133 |
| Net loans and leases to core deposits | 79.3055% | 3,482 |
| Total domestic deposits to total assets | 89.7668% | 614 |
| Equity capital to assets | 9.7330% | 4,197 |
| Core capital (leverage) ratio | 9.4489% | 4,184 |
| Tier 1 risk-based capital ratio | 15.6138% | 2,661 |
| Total risk-based capital ratio | 16.8640% | 2,590 |
| Memoranda: | ||
| Average total assets | $72,902,000 | 4,804 |
| Average earning assets | $58,541,000 | 4,984 |
| Average equity | $7,121,670 | 5,002 |
| Average total loans | $50,097,670 | 4,525 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9149% | 3,350 |
| Cost of funding earning assets | 0.7639% | 604 |
| Net interest margin | 3.1510% | 4,498 |
| Noninterest income to average assets | 0.2484% | 4,759 |
| Noninterest expense to average assets | 4.0720% | 495 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -1.3285% | 5,792 |
| Return on assets (ROA) | -1.3285% | 5,794 |
| Pretax return on assets | -1.3285% | 5,789 |
| Return on Equity (ROE) | -13.5762% | 5,794 |
| Retained earnings to average equity (ytd only) | -13.5762% | 5,647 |
| Net charge-offs to loans | -0.0717% | 5,332 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.4252% | 37 |
| Assets per employee ($millions) | 4.8799% | 2,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 3,512 |
| Loan loss allowance to noncurrent loans | 362.3377% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.4754% | 3,318 |
| Noncurrent loans to loans | 0.3121% | 4,005 |
| Net loans and leases to total assets | 66.6521% | 2,871 |
| Net loans and leases to deposits | 74.2045% | 3,380 |
| Net loans and leases to core deposits | 75.8543% | 3,663 |
| Total domestic deposits to total assets | 89.8221% | 739 |
| Equity capital to assets | 9.7339% | 4,033 |
| Core capital (leverage) ratio | 9.6411% | 3,940 |
| Tier 1 risk-based capital ratio | 16.0210% | 2,539 |
| Total risk-based capital ratio | 17.2689% | 2,495 |
| Memoranda: | ||
| Average total assets | $74,066,000 | 4,829 |
| Average earning assets | $58,647,500 | 5,032 |
| Average equity | $7,248,000 | 5,019 |
| Average total loans | $50,208,500 | 4,557 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4885% | 1,569 |
| Cost of funding earning assets | 0.7231% | 731 |
| Net interest margin | 3.7654% | 2,449 |
| Noninterest income to average assets | 0.6356% | 2,477 |
| Noninterest expense to average assets | 4.7943% | 293 |
| Loan and lease loss provision to assets | -0.8424% | 5,899 |
| Net operating income to assets | -0.2959% | 5,742 |
| Return on assets (ROA) | -0.2959% | 5,753 |
| Pretax return on assets | -0.2918% | 5,738 |
| Return on Equity (ROE) | -2.8920% | 5,752 |
| Retained earnings to average equity (ytd only) | -2.8920% | 5,584 |
| Net charge-offs to loans | -0.2766% | 5,785 |
| Credit loss provision to net charge-offs | 427.0833% | 751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.9880% | 57 |
| Assets per employee ($millions) | 4.9956% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 3,859 |
| Loan loss allowance to noncurrent loans | 356.4935% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.4644% | 3,401 |
| Noncurrent loans to loans | 0.3015% | 4,060 |
| Net loans and leases to total assets | 67.4220% | 2,867 |
| Net loans and leases to deposits | 75.3037% | 3,385 |
| Net loans and leases to core deposits | 77.2898% | 3,625 |
| Total domestic deposits to total assets | 89.5335% | 845 |
| Equity capital to assets | 9.8367% | 3,898 |
| Core capital (leverage) ratio | 9.8008% | 3,749 |
| Tier 1 risk-based capital ratio | 16.2235% | 2,465 |
| Total risk-based capital ratio | 17.4319% | 2,419 |
| Memoranda: | ||
| Average total assets | $73,003,800 | 4,866 |
| Average earning assets | $58,639,000 | 5,057 |
| Average equity | $7,469,000 | 5,011 |
| Average total loans | $52,069,400 | 4,517 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5677% | 1,367 |
| Cost of funding earning assets | 0.7076% | 786 |
| Net interest margin | 3.8601% | 2,114 |
| Noninterest income to average assets | 0.3181% | 4,495 |
| Noninterest expense to average assets | 4.9676% | 273 |
| Loan and lease loss provision to assets | -0.9468% | 5,968 |
| Net operating income to assets | -0.5994% | 5,869 |
| Return on assets (ROA) | -0.5994% | 5,872 |
| Pretax return on assets | -0.5938% | 5,865 |
| Return on Equity (ROE) | -5.8005% | 5,875 |
| Retained earnings to average equity (ytd only) | -5.8005% | 5,757 |
| Net charge-offs to loans | -0.2268% | 5,791 |
| Credit loss provision to net charge-offs | 578.6517% | 633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.9571% | 40 |
| Assets per employee ($millions) | 4.8703% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 3,312 |
| Loan loss allowance to noncurrent loans | 203.4247% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 1.4277% | 1,288 |
| Noncurrent loans to loans | 0.5842% | 3,257 |
| Net loans and leases to total assets | 67.6011% | 2,857 |
| Net loans and leases to deposits | 75.5057% | 3,453 |
| Net loans and leases to core deposits | 77.2417% | 3,727 |
| Total domestic deposits to total assets | 89.5312% | 658 |
| Equity capital to assets | 9.9405% | 4,188 |
| Core capital (leverage) ratio | 9.8065% | 3,802 |
| Tier 1 risk-based capital ratio | 16.3555% | 2,469 |
| Total risk-based capital ratio | 17.6055% | 2,426 |
| Memoranda: | ||
| Average total assets | $72,521,250 | 4,917 |
| Average earning assets | $58,408,750 | 5,104 |
| Average equity | $7,493,500 | 5,061 |
| Average total loans | $52,319,000 | 4,545 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8462% | 808 |
| Cost of funding earning assets | 0.6835% | 871 |
| Net interest margin | 4.1627% | 1,197 |
| Noninterest income to average assets | 0.2516% | 4,972 |
| Noninterest expense to average assets | 5.0233% | 261 |
| Loan and lease loss provision to assets | -1.4238% | 6,049 |
| Net operating income to assets | 0.0111% | 5,758 |
| Return on assets (ROA) | 0.0111% | 5,786 |
| Pretax return on assets | 0.0194% | 5,782 |
| Return on Equity (ROE) | 0.1057% | 5,786 |
| Retained earnings to average equity (ytd only) | 0.1057% | 5,262 |
| Net charge-offs to loans | -0.3013% | 5,886 |
| Credit loss provision to net charge-offs | 643.7500% | 532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.8083% | 55 |
| Assets per employee ($millions) | 4.8683% | 2,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 3,711 |
| Loan loss allowance to noncurrent loans | 96.5347% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.4502% | 1,341 |
| Noncurrent loans to loans | 1.1820% | 1,945 |
| Net loans and leases to total assets | 69.4077% | 2,567 |
| Net loans and leases to deposits | 77.9757% | 3,160 |
| Net loans and leases to core deposits | 79.7762% | 3,481 |
| Total domestic deposits to total assets | 89.0120% | 916 |
| Equity capital to assets | 10.3964% | 3,746 |
| Core capital (leverage) ratio | 10.3335% | 3,155 |
| Tier 1 risk-based capital ratio | 16.8311% | 2,286 |
| Total risk-based capital ratio | 18.0815% | 2,242 |
| Memoranda: | ||
| Average total assets | $72,343,330 | 4,973 |
| Average earning assets | $58,520,330 | 5,146 |
| Average equity | $7,570,670 | 5,095 |
| Average total loans | $53,098,670 | 4,551 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1004% | 2,843 |
| Cost of funding earning assets | 0.6685% | 952 |
| Net interest margin | 3.4319% | 3,755 |
| Noninterest income to average assets | 0.2778% | 4,735 |
| Noninterest expense to average assets | 4.9998% | 272 |
| Loan and lease loss provision to assets | -1.6666% | 6,113 |
| Net operating income to assets | -0.3055% | 5,916 |
| Return on assets (ROA) | -0.3055% | 5,924 |
| Pretax return on assets | -0.2889% | 5,912 |
| Return on Equity (ROE) | -2.9101% | 5,935 |
| Retained earnings to average equity (ytd only) | -2.9101% | 5,463 |
| Net charge-offs to loans | -0.6665% | 6,018 |
| Credit loss provision to net charge-offs | 333.3333% | 796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 164.2336% | 37 |
| Assets per employee ($millions) | 4.5006% | 3,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5295% | 1,863 |
| Loan loss allowance to noncurrent loans | 48.8540% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 2.5719% | 566 |
| Noncurrent loans to loans | 3.1307% | 501 |
| Net loans and leases to total assets | 72.4215% | 1,963 |
| Net loans and leases to deposits | 81.3433% | 2,623 |
| Net loans and leases to core deposits | 83.2429% | 3,013 |
| Total domestic deposits to total assets | 89.0319% | 1,082 |
| Equity capital to assets | 10.4598% | 3,548 |
| Core capital (leverage) ratio | 10.4780% | 2,995 |
| Tier 1 risk-based capital ratio | 16.6622% | 2,415 |
| Total risk-based capital ratio | 17.9188% | 2,357 |
| Memoranda: | ||
| Average total assets | $72,002,500 | 5,028 |
| Average earning assets | $58,043,500 | 5,217 |
| Average equity | $7,560,000 | 5,128 |
| Average total loans | $54,013,000 | 4,553 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3798% | 1,967 |
| Cost of funding earning assets | 0.6302% | 1,172 |
| Net interest margin | 3.7496% | 2,555 |
| Noninterest income to average assets | 0.3782% | 4,196 |
| Noninterest expense to average assets | 4.7709% | 335 |
| Loan and lease loss provision to assets | -0.6851% | 6,153 |
| Net operating income to assets | -0.7892% | 6,083 |
| Return on assets (ROA) | -0.7892% | 6,084 |
| Pretax return on assets | -0.7892% | 6,080 |
| Return on Equity (ROE) | -7.4346% | 6,077 |
| Retained earnings to average equity (ytd only) | -7.4346% | 5,991 |
| Net charge-offs to loans | -0.6997% | 6,113 |
| Credit loss provision to net charge-offs | 152.4390% | 1,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.7215% | 46 |
| Assets per employee ($millions) | 4.2351% | 3,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8523% | 1,048 |
| Loan loss allowance to noncurrent loans | 60.8592% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 2.5974% | 578 |
| Noncurrent loans to loans | 3.0436% | 520 |
| Net loans and leases to total assets | 75.0681% | 1,560 |
| Net loans and leases to deposits | 84.6108% | 2,293 |
| Net loans and leases to core deposits | 86.5900% | 2,745 |
| Total domestic deposits to total assets | 88.7216% | 1,273 |
| Equity capital to assets | 10.5395% | 3,314 |
| Core capital (leverage) ratio | 10.3448% | 3,110 |
| Tier 1 risk-based capital ratio | 16.4285% | 2,521 |
| Total risk-based capital ratio | 17.6886% | 2,469 |
| Memoranda: | ||
| Average total assets | $72,984,000 | 5,014 |
| Average earning assets | $56,806,600 | 5,271 |
| Average equity | $7,747,600 | 5,097 |
| Average total loans | $46,877,400 | 4,762 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4228% | 1,840 |
| Cost of funding earning assets | 0.6216% | 1,264 |
| Net interest margin | 3.8012% | 2,377 |
| Noninterest income to average assets | 0.3896% | 4,157 |
| Noninterest expense to average assets | 4.8448% | 318 |
| Loan and lease loss provision to assets | -0.5462% | 6,219 |
| Net operating income to assets | -0.9995% | 6,192 |
| Return on assets (ROA) | -0.9995% | 6,189 |
| Pretax return on assets | -1.0032% | 6,187 |
| Return on Equity (ROE) | -9.3994% | 6,176 |
| Retained earnings to average equity (ytd only) | -9.3994% | 6,117 |
| Net charge-offs to loans | -0.8833% | 6,199 |
| Credit loss provision to net charge-offs | 101.0101% | 2,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 147.0166% | 42 |
| Assets per employee ($millions) | 4.0594% | 3,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2301% | 633 |
| Loan loss allowance to noncurrent loans | 57.1635% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 3.3762% | 396 |
| Noncurrent loans to loans | 3.9013% | 344 |
| Net loans and leases to total assets | 71.3371% | 2,166 |
| Net loans and leases to deposits | 80.3149% | 2,851 |
| Net loans and leases to core deposits | 82.8607% | 3,163 |
| Total domestic deposits to total assets | 88.8217% | 1,116 |
| Equity capital to assets | 10.4201% | 3,685 |
| Core capital (leverage) ratio | 10.3829% | 3,177 |
| Tier 1 risk-based capital ratio | 16.6455% | 2,503 |
| Total risk-based capital ratio | 17.9113% | 2,457 |
| Memoranda: | ||
| Average total assets | $73,231,000 | 5,070 |
| Average earning assets | $55,980,750 | 5,361 |
| Average equity | $7,787,500 | 5,162 |
| Average total loans | $44,830,250 | 4,886 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4969% | 1,547 |
| Cost of funding earning assets | 0.6249% | 1,258 |
| Net interest margin | 3.8721% | 2,067 |
| Noninterest income to average assets | 0.4667% | 3,583 |
| Noninterest expense to average assets | 5.1088% | 268 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -1.7166% | 6,296 |
| Return on assets (ROA) | -1.7166% | 6,295 |
| Pretax return on assets | -1.7166% | 6,292 |
| Return on Equity (ROE) | -16.0350% | 6,281 |
| Retained earnings to average equity (ytd only) | -16.0350% | 6,239 |
| Net charge-offs to loans | -1.1666% | 6,278 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.6034% | 42 |
| Assets per employee ($millions) | 4.1282% | 3,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7141% | 370 |
| Loan loss allowance to noncurrent loans | 73.6168% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 3.1478% | 505 |
| Noncurrent loans to loans | 3.6868% | 462 |
| Net loans and leases to total assets | 69.3192% | 2,442 |
| Net loans and leases to deposits | 77.9896% | 3,029 |
| Net loans and leases to core deposits | 80.9114% | 3,291 |
| Total domestic deposits to total assets | 88.8826% | 1,199 |
| Equity capital to assets | 10.1390% | 3,885 |
| Core capital (leverage) ratio | 10.2217% | 3,307 |
| Tier 1 risk-based capital ratio | 16.8181% | 2,478 |
| Total risk-based capital ratio | 18.0905% | 2,426 |
| Memoranda: | ||
| Average total assets | $73,284,670 | 5,119 |
| Average earning assets | $55,371,000 | 5,428 |
| Average equity | $7,845,330 | 5,197 |
| Average total loans | $42,002,000 | 5,031 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8319% | 803 |
| Cost of funding earning assets | 0.6251% | 1,267 |
| Net interest margin | 4.2068% | 1,045 |
| Noninterest income to average assets | 0.2913% | 4,844 |
| Noninterest expense to average assets | 5.2162% | 259 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -1.7809% | 6,360 |
| Return on assets (ROA) | -1.7809% | 6,364 |
| Pretax return on assets | -1.7809% | 6,360 |
| Return on Equity (ROE) | -16.1980% | 6,350 |
| Retained earnings to average equity (ytd only) | -16.1980% | 6,235 |
| Net charge-offs to loans | -1.2045% | 6,333 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 151.8400% | 47 |
| Assets per employee ($millions) | 3.6464% | 4,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5388% | 178 |
| Loan loss allowance to noncurrent loans | 72.9821% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 3.8092% | 405 |
| Noncurrent loans to loans | 4.8489% | 287 |
| Net loans and leases to total assets | 48.6644% | 4,965 |
| Net loans and leases to deposits | 55.1996% | 5,106 |
| Net loans and leases to core deposits | 57.3196% | 5,164 |
| Total domestic deposits to total assets | 88.1609% | 1,728 |
| Equity capital to assets | 10.7490% | 3,265 |
| Core capital (leverage) ratio | 10.6355% | 2,813 |
| Tier 1 risk-based capital ratio | 19.4400% | 1,752 |
| Total risk-based capital ratio | 20.7122% | 1,702 |
| Memoranda: | ||
| Average total assets | $72,773,500 | 5,178 |
| Average earning assets | $54,388,500 | 5,505 |
| Average equity | $8,001,000 | 5,211 |
| Average total loans | $36,530,000 | 5,273 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5581% | 1,670 |
| Cost of funding earning assets | 0.5912% | 1,846 |
| Net interest margin | 3.9669% | 1,990 |
| Noninterest income to average assets | -0.2207% | 6,477 |
| Noninterest expense to average assets | 5.8453% | 199 |
| Loan and lease loss provision to assets | -1.2371% | 6,502 |
| Net operating income to assets | -1.4252% | 6,423 |
| Return on assets (ROA) | -1.5190% | 6,430 |
| Pretax return on assets | -1.8919% | 6,444 |
| Return on Equity (ROE) | -9.5892% | 6,355 |
| Retained earnings to average equity (ytd only) | -9.5892% | 6,301 |
| Net charge-offs to loans | -0.3171% | 6,341 |
| Credit loss provision to net charge-offs | 713.6691% | 373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 206.2940% | 20 |
| Assets per employee ($millions) | 4.0270% | 3,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2866% | 218 |
| Loan loss allowance to noncurrent loans | 36.3304% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 4.8554% | 292 |
| Noncurrent loans to loans | 9.0465% | 84 |
| Net loans and leases to total assets | 45.8432% | 5,335 |
| Net loans and leases to deposits | 55.2334% | 5,234 |
| Net loans and leases to core deposits | 57.1419% | 5,300 |
| Total domestic deposits to total assets | 82.9990% | 4,077 |
| Equity capital to assets | 15.7581% | 567 |
| Core capital (leverage) ratio | 11.2384% | 2,182 |
| Tier 1 risk-based capital ratio | 17.1270% | 2,463 |
| Total risk-based capital ratio | 18.3924% | 2,416 |
| Memoranda: | ||
| Average total assets | $80,184,400 | 5,055 |
| Average earning assets | $61,736,000 | 5,350 |
| Average equity | $12,701,800 | 4,243 |
| Average total loans | $43,837,200 | 5,042 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4942% | 1,890 |
| Cost of funding earning assets | 0.5914% | 1,910 |
| Net interest margin | 3.9028% | 2,229 |
| Noninterest income to average assets | 0.6938% | 2,357 |
| Noninterest expense to average assets | 5.1950% | 270 |
| Loan and lease loss provision to assets | 0.0953% | 2,461 |
| Net operating income to assets | -1.1508% | 6,478 |
| Return on assets (ROA) | -1.1508% | 6,475 |
| Pretax return on assets | -1.5371% | 6,490 |
| Return on Equity (ROE) | -7.2558% | 6,410 |
| Retained earnings to average equity (ytd only) | -7.2558% | 6,329 |
| Net charge-offs to loans | -0.3295% | 6,408 |
| Credit loss provision to net charge-offs | -51.3274% | 5,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.4144% | 75 |
| Assets per employee ($millions) | 4.0391% | 3,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1013% | 73 |
| Loan loss allowance to noncurrent loans | 30.9887% | 5,694 |
| Noncurrent assets plus other real estate owned to assets | 9.5137% | 100 |
| Noncurrent loans to loans | 16.4618% | 23 |
| Net loans and leases to total assets | 53.7177% | 4,609 |
| Net loans and leases to deposits | 65.1176% | 4,421 |
| Net loans and leases to core deposits | 67.0942% | 4,598 |
| Total domestic deposits to total assets | 82.4933% | 4,303 |
| Equity capital to assets | 16.3861% | 509 |
| Core capital (leverage) ratio | 11.8428% | 1,801 |
| Tier 1 risk-based capital ratio | 16.5715% | 2,788 |
| Total risk-based capital ratio | 17.8595% | 2,721 |
| Memoranda: | ||
| Average total assets | $81,102,250 | 5,089 |
| Average earning assets | $63,576,750 | 5,354 |
| Average equity | $12,863,000 | 4,246 |
| Average total loans | $45,729,500 | 5,010 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1815% | 3,025 |
| Cost of funding earning assets | 0.5921% | 1,963 |
| Net interest margin | 3.5894% | 3,405 |
| Noninterest income to average assets | 0.2374% | 5,499 |
| Noninterest expense to average assets | 5.2013% | 275 |
| Loan and lease loss provision to assets | 0.1405% | 1,763 |
| Net operating income to assets | -1.6498% | 6,581 |
| Return on assets (ROA) | -1.6498% | 6,579 |
| Pretax return on assets | -2.2700% | 6,599 |
| Return on Equity (ROE) | -10.5101% | 6,516 |
| Retained earnings to average equity (ytd only) | -10.5101% | 6,428 |
| Net charge-offs to loans | 0.2753% | 1,440 |
| Credit loss provision to net charge-offs | 90.6250% | 2,169 |
| Earnings coverage of net charge-offs (x) | -13.7344% | 4,328 |
| Efficiency ratio | 169.3218% | 36 |
| Assets per employee ($millions) | 4.3656% | 3,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4736% | 119 |
| Loan loss allowance to noncurrent loans | 25.9712% | 5,878 |
| Noncurrent assets plus other real estate owned to assets | 10.5612% | 92 |
| Noncurrent loans to loans | 17.2254% | 22 |
| Net loans and leases to total assets | 55.4072% | 4,360 |
| Net loans and leases to deposits | 66.8371% | 4,184 |
| Net loans and leases to core deposits | 69.3661% | 4,330 |
| Total domestic deposits to total assets | 82.8990% | 4,344 |
| Equity capital to assets | 16.0270% | 553 |
| Core capital (leverage) ratio | 11.5528% | 1,963 |
| Tier 1 risk-based capital ratio | 15.9357% | 3,129 |
| Total risk-based capital ratio | 17.2170% | 3,043 |
| Memoranda: | ||
| Average total assets | $82,555,670 | 5,093 |
| Average earning assets | $65,192,670 | 5,344 |
| Average equity | $12,959,000 | 4,230 |
| Average total loans | $46,492,670 | 5,019 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2457% | 2,704 |
| Cost of funding earning assets | 0.5836% | 2,131 |
| Net interest margin | 3.6621% | 3,014 |
| Noninterest income to average assets | 0.2318% | 5,496 |
| Noninterest expense to average assets | 5.0861% | 304 |
| Loan and lease loss provision to assets | 0.2744% | 754 |
| Net operating income to assets | -1.2633% | 6,615 |
| Return on assets (ROA) | -1.2633% | 6,609 |
| Pretax return on assets | -2.2190% | 6,655 |
| Return on Equity (ROE) | -8.1269% | 6,534 |
| Retained earnings to average equity (ytd only) | -8.1269% | 6,291 |
| Net charge-offs to loans | 0.6901% | 529 |
| Credit loss provision to net charge-offs | 71.6049% | 1,982 |
| Earnings coverage of net charge-offs (x) | -5.0741% | 3,577 |
| Efficiency ratio | 161.8976% | 46 |
| Assets per employee ($millions) | 4.5773% | 2,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3597% | 142 |
| Loan loss allowance to noncurrent loans | 24.1202% | 5,991 |
| Noncurrent assets plus other real estate owned to assets | 10.7183% | 100 |
| Noncurrent loans to loans | 18.0750% | 24 |
| Net loans and leases to total assets | 53.8365% | 4,441 |
| Net loans and leases to deposits | 64.8371% | 4,226 |
| Net loans and leases to core deposits | 66.6582% | 4,430 |
| Total domestic deposits to total assets | 83.0335% | 4,593 |
| Equity capital to assets | 15.7879% | 555 |
| Core capital (leverage) ratio | 11.7488% | 1,802 |
| Tier 1 risk-based capital ratio | 16.8043% | 2,774 |
| Total risk-based capital ratio | 18.0851% | 2,721 |
| Memoranda: | ||
| Average total assets | $84,543,500 | 5,100 |
| Average earning assets | $67,174,500 | 5,349 |
| Average equity | $13,141,500 | 4,208 |
| Average total loans | $46,950,000 | 5,046 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5867% | 1,913 |
| Cost of funding earning assets | 0.6225% | 2,457 |
| Net interest margin | 3.9642% | 2,051 |
| Noninterest income to average assets | 0.2700% | 5,421 |
| Noninterest expense to average assets | 4.8626% | 385 |
| Loan and lease loss provision to assets | 1.1828% | 138 |
| Net operating income to assets | -1.4084% | 6,665 |
| Return on assets (ROA) | -1.7491% | 6,691 |
| Pretax return on assets | -3.0008% | 6,759 |
| Return on Equity (ROE) | -11.1932% | 6,596 |
| Retained earnings to average equity (ytd only) | -11.1932% | 6,555 |
| Net charge-offs to loans | 2.3300% | 134 |
| Credit loss provision to net charge-offs | 91.2310% | 2,719 |
| Earnings coverage of net charge-offs (x) | -0.9916% | 5,262 |
| Efficiency ratio | 135.9413% | 95 |
| Assets per employee ($millions) | 4.3348% | 3,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3034% | 160 |
| Loan loss allowance to noncurrent loans | 24.8844% | 6,075 |
| Noncurrent assets plus other real estate owned to assets | 10.3420% | 119 |
| Noncurrent loans to loans | 17.2934% | 30 |
| Net loans and leases to total assets | 52.4552% | 4,797 |
| Net loans and leases to deposits | 62.9705% | 4,615 |
| Net loans and leases to core deposits | 67.0846% | 4,607 |
| Total domestic deposits to total assets | 83.3012% | 4,428 |
| Equity capital to assets | 15.3123% | 621 |
| Core capital (leverage) ratio | 11.6763% | 1,843 |
| Tier 1 risk-based capital ratio | 16.8259% | 2,693 |
| Total risk-based capital ratio | 18.1035% | 2,642 |
| Memoranda: | ||
| Average total assets | $91,474,400 | 4,942 |
| Average earning assets | $76,307,400 | 5,143 |
| Average equity | $14,294,400 | 4,002 |
| Average total loans | $50,900,800 | 4,931 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7343% | 1,514 |
| Cost of funding earning assets | 0.6278% | 2,571 |
| Net interest margin | 4.1065% | 1,614 |
| Noninterest income to average assets | 0.2978% | 5,313 |
| Noninterest expense to average assets | 4.3767% | 591 |
| Loan and lease loss provision to assets | 1.0705% | 147 |
| Net operating income to assets | -0.9553% | 6,703 |
| Return on assets (ROA) | -0.9553% | 6,704 |
| Pretax return on assets | -1.7049% | 6,774 |
| Return on Equity (ROE) | -6.0849% | 6,626 |
| Retained earnings to average equity (ytd only) | -6.0849% | 6,540 |
| Net charge-offs to loans | 2.0897% | 173 |
| Credit loss provision to net charge-offs | 91.7386% | 2,591 |
| Earnings coverage of net charge-offs (x) | -0.5438% | 4,956 |
| Efficiency ratio | 116.9550% | 199 |
| Assets per employee ($millions) | 4.5050% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1997% | 203 |
| Loan loss allowance to noncurrent loans | 30.9177% | 5,950 |
| Noncurrent assets plus other real estate owned to assets | 7.8347% | 234 |
| Noncurrent loans to loans | 13.5835% | 58 |
| Net loans and leases to total assets | 52.7120% | 4,790 |
| Net loans and leases to deposits | 63.3730% | 4,583 |
| Net loans and leases to core deposits | 67.3449% | 4,587 |
| Total domestic deposits to total assets | 83.1774% | 4,509 |
| Equity capital to assets | 15.4608% | 634 |
| Core capital (leverage) ratio | 13.2687% | 1,108 |
| Tier 1 risk-based capital ratio | 19.7570% | 1,798 |
| Total risk-based capital ratio | 21.0401% | 1,751 |
| Memoranda: | ||
| Average total assets | $92,669,250 | 4,958 |
| Average earning assets | $77,728,000 | 5,145 |
| Average equity | $14,549,250 | 4,000 |
| Average total loans | $51,745,750 | 4,940 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8289% | 1,268 |
| Cost of funding earning assets | 0.6342% | 2,641 |
| Net interest margin | 4.1948% | 1,290 |
| Noninterest income to average assets | 0.2823% | 5,428 |
| Noninterest expense to average assets | 4.1785% | 712 |
| Loan and lease loss provision to assets | 0.1561% | 2,365 |
| Net operating income to assets | -0.2523% | 6,519 |
| Return on assets (ROA) | -0.2523% | 6,551 |
| Pretax return on assets | -0.5303% | 6,638 |
| Return on Equity (ROE) | -1.5994% | 6,501 |
| Retained earnings to average equity (ytd only) | -1.5994% | 6,140 |
| Net charge-offs to loans | 0.7280% | 895 |
| Credit loss provision to net charge-offs | 38.2199% | 3,454 |
| Earnings coverage of net charge-offs (x) | -0.9162% | 4,708 |
| Efficiency ratio | 109.8370% | 279 |
| Assets per employee ($millions) | 4.5689% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8794% | 281 |
| Loan loss allowance to noncurrent loans | 43.4904% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 5.6808% | 508 |
| Noncurrent loans to loans | 8.9200% | 205 |
| Net loans and leases to total assets | 55.0712% | 4,437 |
| Net loans and leases to deposits | 66.8007% | 4,172 |
| Net loans and leases to core deposits | 70.7042% | 4,198 |
| Total domestic deposits to total assets | 82.4411% | 4,895 |
| Equity capital to assets | 15.8791% | 542 |
| Core capital (leverage) ratio | 13.8780% | 853 |
| Tier 1 risk-based capital ratio | 20.3263% | 1,646 |
| Total risk-based capital ratio | 21.6021% | 1,620 |
| Memoranda: | ||
| Average total assets | $93,526,000 | 4,975 |
| Average earning assets | $78,526,670 | 5,151 |
| Average equity | $14,755,670 | 3,995 |
| Average total loans | $52,469,330 | 4,932 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9388% | 993 |
| Cost of funding earning assets | 0.6481% | 2,676 |
| Net interest margin | 4.2906% | 987 |
| Noninterest income to average assets | 0.3552% | 4,831 |
| Noninterest expense to average assets | 3.6786% | 1,283 |
| Loan and lease loss provision to assets | 0.0423% | 3,898 |
| Net operating income to assets | 0.2072% | 5,863 |
| Return on assets (ROA) | 0.2072% | 5,978 |
| Pretax return on assets | 0.2452% | 5,977 |
| Return on Equity (ROE) | 1.3173% | 6,143 |
| Retained earnings to average equity (ytd only) | 1.3173% | 5,324 |
| Net charge-offs to loans | -0.0381% | 5,998 |
| Credit loss provision to net charge-offs | -200.0000% | 5,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7505% | 923 |
| Assets per employee ($millions) | 4.7235% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0549% | 277 |
| Loan loss allowance to noncurrent loans | 50.5135% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 5.0863% | 710 |
| Noncurrent loans to loans | 8.0273% | 328 |
| Net loans and leases to total assets | 54.2013% | 4,376 |
| Net loans and leases to deposits | 67.3941% | 3,855 |
| Net loans and leases to core deposits | 71.2850% | 3,915 |
| Total domestic deposits to total assets | 80.4245% | 5,662 |
| Equity capital to assets | 15.7457% | 600 |
| Core capital (leverage) ratio | 13.5933% | 913 |
| Tier 1 risk-based capital ratio | 20.3907% | 1,676 |
| Total risk-based capital ratio | 21.6682% | 1,645 |
| Memoranda: | ||
| Average total assets | $94,600,000 | 4,987 |
| Average earning assets | $79,615,000 | 5,166 |
| Average equity | $14,878,500 | 4,019 |
| Average total loans | $52,527,000 | 4,964 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4031% | 751 |
| Cost of funding earning assets | 0.7631% | 2,982 |
| Net interest margin | 4.6400% | 727 |
| Noninterest income to average assets | 0.1568% | 6,256 |
| Noninterest expense to average assets | 3.6991% | 1,414 |
| Loan and lease loss provision to assets | 1.6019% | 184 |
| Net operating income to assets | -0.6292% | 6,626 |
| Return on assets (ROA) | -0.6292% | 6,655 |
| Pretax return on assets | -1.1991% | 6,783 |
| Return on Equity (ROE) | -3.9258% | 6,546 |
| Retained earnings to average equity (ytd only) | -3.9258% | 6,353 |
| Net charge-offs to loans | 1.1444% | 906 |
| Credit loss provision to net charge-offs | 243.7599% | 1,011 |
| Earnings coverage of net charge-offs (x) | 0.6130% | 5,184 |
| Efficiency ratio | 90.1797% | 1,051 |
| Assets per employee ($millions) | 4.5110% | 2,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1578% | 260 |
| Loan loss allowance to noncurrent loans | 66.6977% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 4.0959% | 1,035 |
| Noncurrent loans to loans | 6.2338% | 557 |
| Net loans and leases to total assets | 52.2928% | 4,885 |
| Net loans and leases to deposits | 64.7517% | 4,455 |
| Net loans and leases to core deposits | 68.4515% | 4,488 |
| Total domestic deposits to total assets | 80.7590% | 5,469 |
| Equity capital to assets | 15.7099% | 601 |
| Core capital (leverage) ratio | 13.5019% | 944 |
| Tier 1 risk-based capital ratio | 20.9969% | 1,463 |
| Total risk-based capital ratio | 22.2754% | 1,427 |
| Memoranda: | ||
| Average total assets | $96,320,400 | 4,931 |
| Average earning assets | $81,897,400 | 5,070 |
| Average equity | $15,436,200 | 3,868 |
| Average total loans | $55,310,600 | 4,891 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5115% | 662 |
| Cost of funding earning assets | 0.7825% | 3,089 |
| Net interest margin | 4.7290% | 631 |
| Noninterest income to average assets | 0.0772% | 6,704 |
| Noninterest expense to average assets | 3.7483% | 1,292 |
| Loan and lease loss provision to assets | 0.0345% | 5,340 |
| Net operating income to assets | 0.2798% | 5,681 |
| Return on assets (ROA) | 0.2798% | 5,880 |
| Pretax return on assets | 0.3267% | 5,902 |
| Return on Equity (ROE) | 1.7378% | 6,095 |
| Retained earnings to average equity (ytd only) | 1.7378% | 5,462 |
| Net charge-offs to loans | 0.1138% | 4,248 |
| Credit loss provision to net charge-offs | 52.0833% | 4,347 |
| Earnings coverage of net charge-offs (x) | 5.4581% | 3,018 |
| Efficiency ratio | 91.2110% | 948 |
| Assets per employee ($millions) | 4.5889% | 2,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2575% | 1,601 |
| Loan loss allowance to noncurrent loans | 26.6200% | 6,283 |
| Noncurrent assets plus other real estate owned to assets | 4.9436% | 910 |
| Noncurrent loans to loans | 8.4803% | 356 |
| Net loans and leases to total assets | 54.6349% | 4,648 |
| Net loans and leases to deposits | 67.9223% | 4,193 |
| Net loans and leases to core deposits | 72.0177% | 4,249 |
| Total domestic deposits to total assets | 80.4373% | 5,536 |
| Equity capital to assets | 16.2836% | 559 |
| Core capital (leverage) ratio | 15.4996% | 539 |
| Tier 1 risk-based capital ratio | 24.0295% | 1,015 |
| Total risk-based capital ratio | 25.2894% | 999 |
| Memoranda: | ||
| Average total assets | $96,718,000 | 4,969 |
| Average earning assets | $82,467,250 | 5,106 |
| Average equity | $15,574,750 | 3,886 |
| Average total loans | $56,216,750 | 4,912 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6265% | 552 |
| Cost of funding earning assets | 0.8020% | 3,173 |
| Net interest margin | 4.8244% | 535 |
| Noninterest income to average assets | 0.1053% | 6,649 |
| Noninterest expense to average assets | 3.7714% | 1,262 |
| Loan and lease loss provision to assets | 0.0516% | 5,021 |
| Net operating income to assets | 0.3057% | 5,596 |
| Return on assets (ROA) | 0.3057% | 5,801 |
| Pretax return on assets | 0.3945% | 5,725 |
| Return on Equity (ROE) | 1.9053% | 6,071 |
| Retained earnings to average equity (ytd only) | 1.9053% | 5,249 |
| Net charge-offs to loans | 0.1684% | 3,593 |
| Credit loss provision to net charge-offs | 52.0833% | 3,992 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 3,061 |
| Efficiency ratio | 89.4221% | 1,125 |
| Assets per employee ($millions) | 4.6149% | 2,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2579% | 1,659 |
| Loan loss allowance to noncurrent loans | 27.1853% | 6,271 |
| Noncurrent assets plus other real estate owned to assets | 4.6155% | 1,055 |
| Noncurrent loans to loans | 8.3056% | 401 |
| Net loans and leases to total assets | 54.3157% | 4,742 |
| Net loans and leases to deposits | 67.0654% | 4,352 |
| Net loans and leases to core deposits | 71.0435% | 4,407 |
| Total domestic deposits to total assets | 80.9891% | 5,473 |
| Equity capital to assets | 16.1093% | 559 |
| Core capital (leverage) ratio | 15.3458% | 540 |
| Tier 1 risk-based capital ratio | 24.1753% | 994 |
| Total risk-based capital ratio | 25.4351% | 976 |
| Memoranda: | ||
| Average total assets | $96,835,000 | 4,986 |
| Average earning assets | $82,538,670 | 5,138 |
| Average equity | $15,535,670 | 3,881 |
| Average total loans | $57,000,330 | 4,916 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7969% | 426 |
| Cost of funding earning assets | 0.8205% | 3,312 |
| Net interest margin | 4.9764% | 416 |
| Noninterest income to average assets | 0.0124% | 7,065 |
| Noninterest expense to average assets | 3.6902% | 1,390 |
| Loan and lease loss provision to assets | 0.1033% | 4,043 |
| Net operating income to assets | 0.3430% | 5,499 |
| Return on assets (ROA) | 0.3430% | 5,676 |
| Pretax return on assets | 0.4546% | 5,569 |
| Return on Equity (ROE) | 2.1423% | 6,024 |
| Retained earnings to average equity (ytd only) | 2.1423% | 5,190 |
| Net charge-offs to loans | 0.3278% | 2,340 |
| Credit loss provision to net charge-offs | 52.0833% | 3,247 |
| Earnings coverage of net charge-offs (x) | 2.8125% | 3,057 |
| Efficiency ratio | 86.8677% | 1,390 |
| Assets per employee ($millions) | 4.6474% | 2,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1182% | 2,057 |
| Loan loss allowance to noncurrent loans | 30.0395% | 6,176 |
| Noncurrent assets plus other real estate owned to assets | 4.3516% | 1,239 |
| Noncurrent loans to loans | 7.0513% | 630 |
| Net loans and leases to total assets | 57.5761% | 4,118 |
| Net loans and leases to deposits | 72.4703% | 3,357 |
| Net loans and leases to core deposits | 77.6852% | 3,374 |
| Total domestic deposits to total assets | 79.4479% | 5,987 |
| Equity capital to assets | 15.9238% | 589 |
| Core capital (leverage) ratio | 15.1630% | 578 |
| Tier 1 risk-based capital ratio | 23.0572% | 1,123 |
| Total risk-based capital ratio | 24.3149% | 1,111 |
| Memoranda: | ||
| Average total assets | $96,796,000 | 5,024 |
| Average earning assets | $82,388,500 | 5,185 |
| Average equity | $15,497,500 | 3,889 |
| Average total loans | $58,573,000 | 4,878 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8336% | 598 |
| Cost of funding earning assets | 0.9294% | 3,881 |
| Net interest margin | 4.9042% | 502 |
| Noninterest income to average assets | 0.3261% | 5,209 |
| Noninterest expense to average assets | 3.7944% | 1,357 |
| Loan and lease loss provision to assets | 4.4633% | 37 |
| Net operating income to assets | -2.1371% | 7,049 |
| Return on assets (ROA) | -2.1083% | 7,057 |
| Pretax return on assets | -3.6616% | 7,248 |
| Return on Equity (ROE) | -11.7368% | 6,791 |
| Retained earnings to average equity (ytd only) | -12.2198% | 6,775 |
| Net charge-offs to loans | 5.9577% | 49 |
| Credit loss provision to net charge-offs | 113.4130% | 2,898 |
| Earnings coverage of net charge-offs (x) | 0.1923% | 5,690 |
| Efficiency ratio | 83.3716% | 1,834 |
| Assets per employee ($millions) | 4.3635% | 3,138 |
| Cash dividends to net income (ytd only)* | -4.1150% | 7,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0741% | 2,074 |
| Loan loss allowance to noncurrent loans | 33.9266% | 5,947 |
| Noncurrent assets plus other real estate owned to assets | 4.0741% | 1,407 |
| Noncurrent loans to loans | 6.1134% | 800 |
| Net loans and leases to total assets | 60.9390% | 3,803 |
| Net loans and leases to deposits | 76.3147% | 3,128 |
| Net loans and leases to core deposits | 82.7894% | 3,061 |
| Total domestic deposits to total assets | 79.8523% | 5,780 |
| Equity capital to assets | 16.0986% | 568 |
| Core capital (leverage) ratio | 15.3270% | 552 |
| Tier 1 risk-based capital ratio | 22.2461% | 1,200 |
| Total risk-based capital ratio | 23.5035% | 1,174 |
| Memoranda: | ||
| Average total assets | $95,668,200 | 5,025 |
| Average earning assets | $82,418,800 | 5,158 |
| Average equity | $17,185,200 | 3,548 |
| Average total loans | $63,195,800 | 4,741 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9313% | 532 |
| Cost of funding earning assets | 0.9393% | 4,120 |
| Net interest margin | 4.9920% | 420 |
| Noninterest income to average assets | 0.3404% | 5,135 |
| Noninterest expense to average assets | 3.8373% | 1,254 |
| Loan and lease loss provision to assets | 0.4533% | 2,197 |
| Net operating income to assets | 0.2873% | 5,438 |
| Return on assets (ROA) | 0.2873% | 5,612 |
| Pretax return on assets | 0.3641% | 5,567 |
| Return on Equity (ROE) | 1.5590% | 5,919 |
| Retained earnings to average equity (ytd only) | 0.9309% | 5,631 |
| Net charge-offs to loans | 0.2685% | 3,762 |
| Credit loss provision to net charge-offs | 251.9380% | 1,139 |
| Earnings coverage of net charge-offs (x) | 4.5425% | 3,031 |
| Efficiency ratio | 82.4393% | 1,907 |
| Assets per employee ($millions) | 4.4209% | 3,049 |
| Cash dividends to net income (ytd only)* | 40.2898% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4555% | 4,314 |
| Loan loss allowance to noncurrent loans | 15.5649% | 6,802 |
| Noncurrent assets plus other real estate owned to assets | 6.4097% | 813 |
| Noncurrent loans to loans | 9.3513% | 405 |
| Net loans and leases to total assets | 64.7395% | 3,161 |
| Net loans and leases to deposits | 81.4733% | 2,453 |
| Net loans and leases to core deposits | 88.2963% | 2,448 |
| Total domestic deposits to total assets | 79.4610% | 5,881 |
| Equity capital to assets | 18.2071% | 367 |
| Core capital (leverage) ratio | 18.1798% | 311 |
| Tier 1 risk-based capital ratio | 26.2275% | 811 |
| Total risk-based capital ratio | 27.4788% | 790 |
| Memoranda: | ||
| Average total assets | $95,586,250 | 5,057 |
| Average earning assets | $82,610,250 | 5,198 |
| Average equity | $17,618,000 | 3,481 |
| Average total loans | $64,060,250 | 4,747 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9806% | 498 |
| Cost of funding earning assets | 0.9627% | 4,235 |
| Net interest margin | 5.0180% | 384 |
| Noninterest income to average assets | 0.3220% | 5,321 |
| Noninterest expense to average assets | 3.8494% | 1,280 |
| Loan and lease loss provision to assets | 0.4209% | 2,329 |
| Net operating income to assets | 0.2946% | 5,389 |
| Return on assets (ROA) | 0.2946% | 5,530 |
| Pretax return on assets | 0.3851% | 5,439 |
| Return on Equity (ROE) | 1.5920% | 5,911 |
| Retained earnings to average equity (ytd only) | 0.6482% | 5,598 |
| Net charge-offs to loans | 0.4024% | 2,944 |
| Credit loss provision to net charge-offs | 155.0388% | 1,966 |
| Earnings coverage of net charge-offs (x) | 2.9690% | 3,363 |
| Efficiency ratio | 82.6854% | 1,992 |
| Assets per employee ($millions) | 4.4100% | 2,978 |
| Cash dividends to net income (ytd only)* | 59.2857% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 5,134 |
| Loan loss allowance to noncurrent loans | 13.6975% | 6,890 |
| Noncurrent assets plus other real estate owned to assets | 6.3245% | 859 |
| Noncurrent loans to loans | 9.3728% | 433 |
| Net loans and leases to total assets | 63.7992% | 3,508 |
| Net loans and leases to deposits | 80.7225% | 2,659 |
| Net loans and leases to core deposits | 87.2061% | 2,739 |
| Total domestic deposits to total assets | 79.0353% | 6,080 |
| Equity capital to assets | 18.1684% | 373 |
| Core capital (leverage) ratio | 18.1468% | 318 |
| Tier 1 risk-based capital ratio | 26.2317% | 795 |
| Total risk-based capital ratio | 27.4317% | 779 |
| Memoranda: | ||
| Average total assets | $95,028,670 | 5,107 |
| Average earning assets | $82,065,000 | 5,259 |
| Average equity | $17,588,000 | 3,478 |
| Average total loans | $64,115,330 | 4,789 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9795% | 489 |
| Cost of funding earning assets | 1.0155% | 4,085 |
| Net interest margin | 4.9640% | 410 |
| Noninterest income to average assets | 0.3403% | 5,187 |
| Noninterest expense to average assets | 3.7689% | 1,397 |
| Loan and lease loss provision to assets | 0.4467% | 1,973 |
| Net operating income to assets | 0.2935% | 5,444 |
| Return on assets (ROA) | 0.2935% | 5,516 |
| Pretax return on assets | 0.4084% | 5,317 |
| Return on Equity (ROE) | 1.5710% | 5,950 |
| Retained earnings to average equity (ytd only) | 1.5710% | 5,168 |
| Net charge-offs to loans | 0.7960% | 1,629 |
| Credit loss provision to net charge-offs | 81.3953% | 3,129 |
| Earnings coverage of net charge-offs (x) | 1.5581% | 3,540 |
| Efficiency ratio | 81.5087% | 2,300 |
| Assets per employee ($millions) | 4.2746% | 3,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 6,013 |
| Loan loss allowance to noncurrent loans | 13.4419% | 6,954 |
| Noncurrent assets plus other real estate owned to assets | 5.9186% | 987 |
| Noncurrent loans to loans | 8.2432% | 584 |
| Net loans and leases to total assets | 67.3816% | 2,679 |
| Net loans and leases to deposits | 83.8498% | 2,054 |
| Net loans and leases to core deposits | 90.1457% | 2,331 |
| Total domestic deposits to total assets | 80.3598% | 5,848 |
| Equity capital to assets | 18.7299% | 321 |
| Core capital (leverage) ratio | 18.7198% | 285 |
| Tier 1 risk-based capital ratio | 27.4130% | 675 |
| Total risk-based capital ratio | 28.5189% | 672 |
| Memoranda: | ||
| Average total assets | $94,033,000 | 5,171 |
| Average earning assets | $81,143,500 | 5,324 |
| Average equity | $17,568,500 | 3,477 |
| Average total loans | $64,821,500 | 4,811 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1111% | 685 |
| Cost of funding earning assets | 1.1916% | 4,613 |
| Net interest margin | 4.9194% | 516 |
| Noninterest income to average assets | 0.2871% | 5,732 |
| Noninterest expense to average assets | 3.6114% | 1,894 |
| Loan and lease loss provision to assets | 0.6788% | 2,427 |
| Net operating income to assets | 0.2217% | 5,213 |
| Return on assets (ROA) | 0.2217% | 5,360 |
| Pretax return on assets | 0.3114% | 5,203 |
| Return on Equity (ROE) | 1.1986% | 5,647 |
| Retained earnings to average equity (ytd only) | 0.0285% | 5,564 |
| Net charge-offs to loans | 0.8735% | 2,447 |
| Credit loss provision to net charge-offs | 108.6149% | 4,067 |
| Earnings coverage of net charge-offs (x) | 1.5845% | 4,545 |
| Efficiency ratio | 78.4813% | 2,621 |
| Assets per employee ($millions) | 4.2738% | 3,258 |
| Cash dividends to net income (ytd only)* | 97.6190% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1195% | 5,879 |
| Loan loss allowance to noncurrent loans | 15.1184% | 6,985 |
| Noncurrent assets plus other real estate owned to assets | 5.4656% | 1,135 |
| Noncurrent loans to loans | 7.4048% | 738 |
| Net loans and leases to total assets | 68.9526% | 2,759 |
| Net loans and leases to deposits | 85.8452% | 2,132 |
| Net loans and leases to core deposits | 92.0308% | 2,500 |
| Total domestic deposits to total assets | 80.3220% | 5,743 |
| Equity capital to assets | 18.6367% | 341 |
| Core capital (leverage) ratio | 18.6251% | 297 |
| Tier 1 risk-based capital ratio | 28.9157% | 547 |
| Total risk-based capital ratio | 30.1280% | 540 |
| Memoranda: | ||
| Average total assets | $94,728,400 | 5,135 |
| Average earning assets | $83,078,600 | 5,249 |
| Average equity | $17,521,000 | 3,503 |
| Average total loans | $67,772,000 | 4,758 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1582% | 672 |
| Cost of funding earning assets | 1.2179% | 4,758 |
| Net interest margin | 4.9403% | 504 |
| Noninterest income to average assets | 0.2908% | 5,797 |
| Noninterest expense to average assets | 3.5515% | 1,902 |
| Loan and lease loss provision to assets | 0.6083% | 2,500 |
| Net operating income to assets | 0.3259% | 5,062 |
| Return on assets (ROA) | 0.3259% | 5,228 |
| Pretax return on assets | 0.4791% | 4,996 |
| Return on Equity (ROE) | 1.7655% | 5,687 |
| Retained earnings to average equity (ytd only) | 1.1491% | 5,361 |
| Net charge-offs to loans | 0.6128% | 2,905 |
| Credit loss provision to net charge-offs | 137.8981% | 2,894 |
| Earnings coverage of net charge-offs (x) | 2.4649% | 3,936 |
| Efficiency ratio | 76.5597% | 2,844 |
| Assets per employee ($millions) | 4.2351% | 3,381 |
| Cash dividends to net income (ytd only)* | 34.9142% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 5,498 |
| Loan loss allowance to noncurrent loans | 20.7235% | 6,874 |
| Noncurrent assets plus other real estate owned to assets | 4.4637% | 1,522 |
| Noncurrent loans to loans | 5.7873% | 1,120 |
| Net loans and leases to total assets | 70.9090% | 2,511 |
| Net loans and leases to deposits | 90.1743% | 1,704 |
| Net loans and leases to core deposits | 96.9692% | 2,151 |
| Total domestic deposits to total assets | 78.6354% | 6,108 |
| Equity capital to assets | 18.9712% | 350 |
| Core capital (leverage) ratio | 18.9423% | 300 |
| Tier 1 risk-based capital ratio | 29.9308% | 520 |
| Total risk-based capital ratio | 31.1815% | 507 |
| Memoranda: | ||
| Average total assets | $94,904,500 | 5,193 |
| Average earning assets | $83,529,000 | 5,287 |
| Average equity | $17,520,500 | 3,552 |
| Average total loans | $68,323,500 | 4,814 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0135% | 923 |
| Cost of funding earning assets | 1.2417% | 4,885 |
| Net interest margin | 4.7718% | 693 |
| Noninterest income to average assets | 0.2744% | 5,954 |
| Noninterest expense to average assets | 3.3912% | 2,287 |
| Loan and lease loss provision to assets | 0.7080% | 2,058 |
| Net operating income to assets | 0.2618% | 5,329 |
| Return on assets (ROA) | 0.2618% | 5,474 |
| Pretax return on assets | 0.3770% | 5,283 |
| Return on Equity (ROE) | 1.4311% | 5,825 |
| Retained earnings to average equity (ytd only) | 0.5038% | 5,560 |
| Net charge-offs to loans | 0.9127% | 2,009 |
| Credit loss provision to net charge-offs | 107.6433% | 3,787 |
| Earnings coverage of net charge-offs (x) | 1.6497% | 4,265 |
| Efficiency ratio | 75.7604% | 3,113 |
| Assets per employee ($millions) | 4.3662% | 3,102 |
| Cash dividends to net income (ytd only)* | 64.8000% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0376% | 6,241 |
| Loan loss allowance to noncurrent loans | 19.8484% | 6,949 |
| Noncurrent assets plus other real estate owned to assets | 4.0299% | 1,711 |
| Noncurrent loans to loans | 5.2279% | 1,302 |
| Net loans and leases to total assets | 70.1966% | 2,858 |
| Net loans and leases to deposits | 92.1261% | 1,512 |
| Net loans and leases to core deposits | 99.3049% | 2,087 |
| Total domestic deposits to total assets | 76.1962% | 6,649 |
| Equity capital to assets | 18.2269% | 392 |
| Core capital (leverage) ratio | 18.2101% | 343 |
| Tier 1 risk-based capital ratio | 29.2367% | 555 |
| Total risk-based capital ratio | 30.4189% | 545 |
| Memoranda: | ||
| Average total assets | $95,481,670 | 5,204 |
| Average earning assets | $84,077,330 | 5,294 |
| Average equity | $17,468,670 | 3,551 |
| Average total loans | $68,808,000 | 4,831 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8613% | 1,293 |
| Cost of funding earning assets | 1.2563% | 5,082 |
| Net interest margin | 4.6050% | 941 |
| Noninterest income to average assets | 0.2941% | 5,792 |
| Noninterest expense to average assets | 3.3069% | 2,512 |
| Loan and lease loss provision to assets | 0.2521% | 4,026 |
| Net operating income to assets | 0.5042% | 4,375 |
| Return on assets (ROA) | 0.5042% | 4,517 |
| Pretax return on assets | 0.7858% | 3,930 |
| Return on Equity (ROE) | 2.7509% | 5,456 |
| Retained earnings to average equity (ytd only) | 2.7509% | 4,489 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1122% | 3,195 |
| Assets per employee ($millions) | 4.4653% | 3,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 6,090 |
| Loan loss allowance to noncurrent loans | 15.0618% | 7,203 |
| Noncurrent assets plus other real estate owned to assets | 5.2606% | 1,199 |
| Noncurrent loans to loans | 7.1927% | 815 |
| Net loans and leases to total assets | 72.3457% | 2,374 |
| Net loans and leases to deposits | 96.4801% | 1,048 |
| Net loans and leases to core deposits | 102.7163% | 1,840 |
| Total domestic deposits to total assets | 74.9851% | 6,904 |
| Equity capital to assets | 18.6975% | 361 |
| Core capital (leverage) ratio | 18.6834% | 328 |
| Tier 1 risk-based capital ratio | 29.6220% | 545 |
| Total risk-based capital ratio | 30.8719% | 526 |
| Memoranda: | ||
| Average total assets | $95,194,500 | 5,280 |
| Average earning assets | $83,735,500 | 5,371 |
| Average equity | $17,449,000 | 3,579 |
| Average total loans | $69,144,500 | 4,892 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5087% | 660 |
| Cost of funding earning assets | 1.5887% | 5,080 |
| Net interest margin | 4.9200% | 535 |
| Noninterest income to average assets | 0.4426% | 4,861 |
| Noninterest expense to average assets | 3.3942% | 2,701 |
| Loan and lease loss provision to assets | 0.5296% | 3,726 |
| Net operating income to assets | 0.5572% | 3,494 |
| Return on assets (ROA) | 0.5572% | 3,578 |
| Pretax return on assets | 0.8310% | 3,146 |
| Return on Equity (ROE) | 3.0623% | 4,472 |
| Retained earnings to average equity (ytd only) | 1.9657% | 3,727 |
| Net charge-offs to loans | 0.6209% | 3,350 |
| Credit loss provision to net charge-offs | 119.9519% | 4,468 |
| Earnings coverage of net charge-offs (x) | 3.0817% | 3,527 |
| Efficiency ratio | 71.3839% | 4,373 |
| Assets per employee ($millions) | 4.6008% | 2,765 |
| Cash dividends to net income (ytd only)* | 35.8095% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9798% | 6,489 |
| Loan loss allowance to noncurrent loans | 25.6574% | 6,754 |
| Noncurrent assets plus other real estate owned to assets | 2.7552% | 2,534 |
| Noncurrent loans to loans | 3.8189% | 1,955 |
| Net loans and leases to total assets | 71.4398% | 2,898 |
| Net loans and leases to deposits | 99.5400% | 946 |
| Net loans and leases to core deposits | 126.5247% | 1,471 |
| Total domestic deposits to total assets | 71.7700% | 7,266 |
| Equity capital to assets | 17.9730% | 449 |
| Core capital (leverage) ratio | 17.9591% | 413 |
| Tier 1 risk-based capital ratio | 28.8638% | 589 |
| Total risk-based capital ratio | 30.0003% | 580 |
| Memoranda: | ||
| Average total assets | $94,220,400 | 5,264 |
| Average earning assets | $82,581,600 | 5,378 |
| Average equity | $17,144,200 | 3,645 |
| Average total loans | $67,002,600 | 4,981 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5115% | 727 |
| Cost of funding earning assets | 1.6657% | 5,083 |
| Net interest margin | 4.8458% | 631 |
| Noninterest income to average assets | 0.3959% | 5,324 |
| Noninterest expense to average assets | 3.3966% | 2,587 |
| Loan and lease loss provision to assets | 0.2777% | 4,753 |
| Net operating income to assets | 0.6323% | 3,488 |
| Return on assets (ROA) | 0.6323% | 3,555 |
| Pretax return on assets | 0.9642% | 3,011 |
| Return on Equity (ROE) | 3.4642% | 4,593 |
| Retained earnings to average equity (ytd only) | 2.7931% | 3,771 |
| Net charge-offs to loans | -0.0503% | 7,856 |
| Credit loss provision to net charge-offs | -780.0000% | 7,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2269% | 4,010 |
| Assets per employee ($millions) | 4.4300% | 2,973 |
| Cash dividends to net income (ytd only)* | 19.3686% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 5,049 |
| Loan loss allowance to noncurrent loans | 19.8307% | 7,101 |
| Noncurrent assets plus other real estate owned to assets | 4.4448% | 1,382 |
| Noncurrent loans to loans | 6.0998% | 956 |
| Net loans and leases to total assets | 71.9857% | 3,042 |
| Net loans and leases to deposits | 97.4350% | 1,391 |
| Net loans and leases to core deposits | 124.1408% | 1,886 |
| Total domestic deposits to total assets | 73.8807% | 6,970 |
| Equity capital to assets | 18.6647% | 447 |
| Core capital (leverage) ratio | 18.6403% | 404 |
| Tier 1 risk-based capital ratio | 29.7308% | 582 |
| Total risk-based capital ratio | 30.9831% | 570 |
| Memoranda: | ||
| Average total assets | $93,621,250 | 5,311 |
| Average earning assets | $81,965,500 | 5,421 |
| Average equity | $17,089,000 | 3,684 |
| Average total loans | $66,326,750 | 5,052 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5450% | 739 |
| Cost of funding earning assets | 1.7375% | 5,072 |
| Net interest margin | 4.8075% | 644 |
| Noninterest income to average assets | 0.4583% | 4,794 |
| Noninterest expense to average assets | 3.4087% | 2,597 |
| Loan and lease loss provision to assets | 0.2665% | 4,454 |
| Net operating income to assets | 0.6331% | 3,540 |
| Return on assets (ROA) | 0.6331% | 3,651 |
| Pretax return on assets | 0.9828% | 3,076 |
| Return on Equity (ROE) | 3.4947% | 4,714 |
| Retained earnings to average equity (ytd only) | 2.4827% | 3,956 |
| Net charge-offs to loans | -0.0759% | 7,907 |
| Credit loss provision to net charge-offs | -500.0000% | 7,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1808% | 4,159 |
| Assets per employee ($millions) | 4.3845% | 2,955 |
| Cash dividends to net income (ytd only)* | 28.9562% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 5,511 |
| Loan loss allowance to noncurrent loans | 23.9923% | 6,901 |
| Noncurrent assets plus other real estate owned to assets | 3.3994% | 1,842 |
| Noncurrent loans to loans | 4.6354% | 1,377 |
| Net loans and leases to total assets | 72.4268% | 3,108 |
| Net loans and leases to deposits | 98.2295% | 1,488 |
| Net loans and leases to core deposits | 122.2179% | 2,192 |
| Total domestic deposits to total assets | 73.7323% | 6,991 |
| Equity capital to assets | 18.6153% | 493 |
| Core capital (leverage) ratio | 18.6121% | 446 |
| Tier 1 risk-based capital ratio | 29.4458% | 633 |
| Total risk-based capital ratio | 30.6968% | 620 |
| Memoranda: | ||
| Average total assets | $93,818,000 | 5,347 |
| Average earning assets | $81,955,670 | 5,467 |
| Average equity | $16,997,330 | 3,713 |
| Average total loans | $65,839,330 | 5,115 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4499% | 958 |
| Cost of funding earning assets | 1.8116% | 5,061 |
| Net interest margin | 4.6383% | 879 |
| Noninterest income to average assets | 0.6252% | 3,380 |
| Noninterest expense to average assets | 3.2865% | 2,696 |
| Loan and lease loss provision to assets | 0.3802% | 3,044 |
| Net operating income to assets | 0.6759% | 3,681 |
| Return on assets (ROA) | 0.6759% | 3,862 |
| Pretax return on assets | 0.9927% | 3,375 |
| Return on Equity (ROE) | 3.7812% | 5,037 |
| Retained earnings to average equity (ytd only) | 3.7812% | 3,788 |
| Net charge-offs to loans | -0.1538% | 7,975 |
| Credit loss provision to net charge-offs | -360.0000% | 6,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5349% | 4,468 |
| Assets per employee ($millions) | 4.5488% | 2,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 5,686 |
| Loan loss allowance to noncurrent loans | 14.0224% | 7,432 |
| Noncurrent assets plus other real estate owned to assets | 6.2853% | 608 |
| Noncurrent loans to loans | 7.6339% | 491 |
| Net loans and leases to total assets | 69.1753% | 3,877 |
| Net loans and leases to deposits | 97.6128% | 1,716 |
| Net loans and leases to core deposits | 121.3082% | 2,309 |
| Total domestic deposits to total assets | 70.8670% | 7,342 |
| Equity capital to assets | 17.8353% | 623 |
| Core capital (leverage) ratio | 17.8362% | 577 |
| Tier 1 risk-based capital ratio | 28.7115% | 704 |
| Total risk-based capital ratio | 29.9164% | 690 |
| Memoranda: | ||
| Average total assets | $94,689,500 | 5,346 |
| Average earning assets | $82,358,000 | 5,475 |
| Average equity | $16,926,000 | 3,746 |
| Average total loans | $65,040,500 | 5,166 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6618% | 2,193 |
| Cost of funding earning assets | 2.2430% | 5,404 |
| Net interest margin | 4.4188% | 1,628 |
| Noninterest income to average assets | 0.4126% | 5,367 |
| Noninterest expense to average assets | 3.2193% | 3,261 |
| Loan and lease loss provision to assets | 0.1121% | 5,933 |
| Net operating income to assets | 0.6354% | 4,167 |
| Return on assets (ROA) | 0.6369% | 4,008 |
| Pretax return on assets | 0.9461% | 3,563 |
| Return on Equity (ROE) | 3.5330% | 5,024 |
| Retained earnings to average equity (ytd only) | 2.4097% | 3,702 |
| Net charge-offs to loans | 0.1683% | 4,513 |
| Credit loss provision to net charge-offs | 100.9804% | 5,260 |
| Earnings coverage of net charge-offs (x) | 9.5098% | 2,674 |
| Efficiency ratio | 75.2992% | 3,355 |
| Assets per employee ($millions) | 4.4693% | 2,665 |
| Cash dividends to net income (ytd only)* | 31.7949% | 4,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 6,405 |
| Loan loss allowance to noncurrent loans | 11.2782% | 7,488 |
| Noncurrent assets plus other real estate owned to assets | 6.5793% | 419 |
| Noncurrent loans to loans | 8.4061% | 310 |
| Net loans and leases to total assets | 66.7913% | 4,684 |
| Net loans and leases to deposits | 95.4634% | 2,535 |
| Net loans and leases to core deposits | 118.8785% | 2,800 |
| Total domestic deposits to total assets | 69.9654% | 7,279 |
| Equity capital to assets | 17.9159% | 657 |
| Core capital (leverage) ratio | 17.9270% | 609 |
| Tier 1 risk-based capital ratio | 29.4005% | 676 |
| Total risk-based capital ratio | 30.4486% | 675 |
| Memoranda: | ||
| Average total assets | $91,852,800 | 5,297 |
| Average earning assets | $80,293,200 | 5,424 |
| Average equity | $16,558,400 | 3,817 |
| Average total loans | $60,611,200 | 5,239 |