Home > Winfield Community Bank > Performance and Condition Ratios
Winfield Community Bank, Performance and Condition Ratios
| 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 | 3.5389% | 5,230 |
| Cost of funding earning assets | 0.4512% | 3,162 |
| Net interest margin | 3.0877% | 5,236 |
| Noninterest income to average assets | 0.3684% | 4,444 |
| Noninterest expense to average assets | 7.4087% | 125 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -4.0935% | 6,488 |
| Return on assets (ROA) | -4.0935% | 6,487 |
| Pretax return on assets | -4.0935% | 6,489 |
| Return on Equity (ROE) | -203.2807% | 6,509 |
| Retained earnings to average equity (ytd only) | -203.2807% | 6,509 |
| Net charge-offs to loans | 0.1936% | 2,117 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -39.4500% | 4,947 |
| Efficiency ratio | 223.4742% | 16 |
| Assets per employee ($millions) | 6.1418% | 1,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4262% | 2,815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.3143% | 575 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 53.1424% | 4,671 |
| Net loans and leases to deposits | 52.9690% | 5,413 |
| Net loans and leases to core deposits | 56.8919% | 5,324 |
| Total domestic deposits to total assets | 100.3274% | 1 |
| Equity capital to assets | -0.4866% | 6,509 |
| Core capital (leverage) ratio | -0.4557% | 6,509 |
| Tier 1 risk-based capital ratio | -0.7799% | 6,509 |
| Total risk-based capital ratio | -0.7799% | 6,509 |
| Memoranda: | ||
| Average total assets | $57,823,800 | 5,605 |
| Average earning assets | $55,186,800 | 5,545 |
| Average equity | $1,164,400 | 6,489 |
| Average total loans | $30,986,400 | 5,530 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5892% | 5,168 |
| Cost of funding earning assets | 0.4561% | 3,177 |
| Net interest margin | 3.1331% | 5,166 |
| Noninterest income to average assets | 0.3809% | 4,394 |
| Noninterest expense to average assets | 8.3153% | 100 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -4.9422% | 6,574 |
| Return on assets (ROA) | -4.9422% | 6,575 |
| Pretax return on assets | -4.9422% | 6,577 |
| Return on Equity (ROE) | -189.7396% | 6,586 |
| Retained earnings to average equity (ytd only) | -189.7396% | 6,586 |
| Net charge-offs to loans | 0.2557% | 1,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -36.1158% | 4,668 |
| Efficiency ratio | 246.5179% | 15 |
| Assets per employee ($millions) | 6.0964% | 1,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 3,197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.3389% | 652 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 54.7168% | 4,489 |
| Net loans and leases to deposits | 54.7517% | 5,328 |
| Net loans and leases to core deposits | 58.8528% | 5,280 |
| Total domestic deposits to total assets | 99.9362% | 2 |
| Equity capital to assets | -0.1440% | 6,588 |
| Core capital (leverage) ratio | -0.2366% | 6,588 |
| Tier 1 risk-based capital ratio | -0.3735% | 6,588 |
| Total risk-based capital ratio | -0.3735% | 6,588 |
| Memoranda: | ||
| Average total assets | $58,460,750 | 5,650 |
| Average earning assets | $55,833,000 | 5,586 |
| Average equity | $1,522,750 | 6,533 |
| Average total loans | $31,283,000 | 5,570 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5330% | 5,336 |
| Cost of funding earning assets | 0.4591% | 3,225 |
| Net interest margin | 3.0738% | 5,337 |
| Noninterest income to average assets | 0.3621% | 4,527 |
| Noninterest expense to average assets | 3.6005% | 1,298 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.2984% | 6,371 |
| Return on assets (ROA) | -0.2984% | 6,379 |
| Pretax return on assets | -0.2984% | 6,362 |
| Return on Equity (ROE) | -8.6548% | 6,498 |
| Retained earnings to average equity (ytd only) | -8.6548% | 6,390 |
| Net charge-offs to loans | 0.3802% | 1,064 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -1.4833% | 4,230 |
| Efficiency ratio | 109.0355% | 247 |
| Assets per employee ($millions) | 6.6234% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3771% | 3,463 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.8936% | 566 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 51.0577% | 4,855 |
| Net loans and leases to deposits | 52.9580% | 5,429 |
| Net loans and leases to core deposits | 56.5189% | 5,375 |
| Total domestic deposits to total assets | 96.4117% | 13 |
| Equity capital to assets | 3.3534% | 6,624 |
| Core capital (leverage) ratio | 3.3670% | 6,625 |
| Tier 1 risk-based capital ratio | 5.2436% | 6,626 |
| Total risk-based capital ratio | 6.3474% | 6,628 |
| Memoranda: | ||
| Average total assets | $59,658,330 | 5,670 |
| Average earning assets | $57,062,330 | 5,584 |
| Average equity | $2,056,670 | 6,530 |
| Average total loans | $31,561,670 | 5,602 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5508% | 5,291 |
| Cost of funding earning assets | 0.4813% | 3,098 |
| Net interest margin | 3.0695% | 5,339 |
| Noninterest income to average assets | 0.3954% | 4,223 |
| Noninterest expense to average assets | 3.4248% | 1,638 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0804% | 6,271 |
| Return on assets (ROA) | -0.0804% | 6,280 |
| Pretax return on assets | -0.0804% | 6,273 |
| Return on Equity (ROE) | -2.3016% | 6,367 |
| Retained earnings to average equity (ytd only) | -2.3016% | 5,884 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4048% | 415 |
| Assets per employee ($millions) | 6.5601% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5373% | 2,987 |
| Loan loss allowance to noncurrent loans | 55.1136% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 4.0988% | 563 |
| Noncurrent loans to loans | 2.7894% | 1,196 |
| Net loans and leases to total assets | 52.6126% | 4,592 |
| Net loans and leases to deposits | 54.6855% | 5,219 |
| Net loans and leases to core deposits | 58.0183% | 5,198 |
| Total domestic deposits to total assets | 96.2094% | 18 |
| Equity capital to assets | 3.5213% | 6,683 |
| Core capital (leverage) ratio | 3.4346% | 6,691 |
| Tier 1 risk-based capital ratio | 5.5995% | 6,689 |
| Total risk-based capital ratio | 6.8498% | 6,688 |
| Memoranda: | ||
| Average total assets | $59,682,000 | 5,722 |
| Average earning assets | $57,339,000 | 5,630 |
| Average equity | $2,085,500 | 6,589 |
| Average total loans | $31,912,000 | 5,630 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6060% | 5,390 |
| Cost of funding earning assets | 0.7140% | 1,717 |
| Net interest margin | 2.8920% | 5,801 |
| Noninterest income to average assets | 0.2888% | 5,297 |
| Noninterest expense to average assets | 3.3722% | 1,943 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.2809% | 6,406 |
| Return on assets (ROA) | -0.2809% | 6,428 |
| Pretax return on assets | -0.2809% | 6,404 |
| Return on Equity (ROE) | -8.2203% | 6,559 |
| Retained earnings to average equity (ytd only) | -8.2203% | 6,499 |
| Net charge-offs to loans | 0.1930% | 2,924 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -2.6818% | 5,343 |
| Efficiency ratio | 109.0862% | 284 |
| Assets per employee ($millions) | 6.7026% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 3,178 |
| Loan loss allowance to noncurrent loans | 55.1136% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 3.9454% | 684 |
| Noncurrent loans to loans | 2.7265% | 1,328 |
| Net loans and leases to total assets | 52.7013% | 4,760 |
| Net loans and leases to deposits | 54.7686% | 5,402 |
| Net loans and leases to core deposits | 58.6940% | 5,332 |
| Total domestic deposits to total assets | 96.2253% | 25 |
| Equity capital to assets | 3.4680% | 6,754 |
| Core capital (leverage) ratio | 3.3945% | 6,766 |
| Tier 1 risk-based capital ratio | 5.4822% | 6,762 |
| Total risk-based capital ratio | 6.7331% | 6,763 |
| Memoranda: | ||
| Average total assets | $63,014,600 | 5,679 |
| Average earning assets | $61,065,400 | 5,560 |
| Average equity | $2,153,200 | 6,669 |
| Average total loans | $34,189,000 | 5,577 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5960% | 5,448 |
| Cost of funding earning assets | 0.7718% | 1,474 |
| Net interest margin | 2.8242% | 5,975 |
| Noninterest income to average assets | 0.2701% | 5,518 |
| Noninterest expense to average assets | 3.3936% | 1,840 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.3810% | 6,559 |
| Return on assets (ROA) | -0.3810% | 6,570 |
| Pretax return on assets | -0.3810% | 6,551 |
| Return on Equity (ROE) | -11.1902% | 6,705 |
| Retained earnings to average equity (ytd only) | -11.1902% | 6,662 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.6477% | 232 |
| Assets per employee ($millions) | 6.9673% | 764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6384% | 2,850 |
| Loan loss allowance to noncurrent loans | 32.5843% | 5,885 |
| Noncurrent assets plus other real estate owned to assets | 4.3265% | 701 |
| Noncurrent loans to loans | 5.0281% | 593 |
| Net loans and leases to total assets | 52.7541% | 4,782 |
| Net loans and leases to deposits | 54.6425% | 5,480 |
| Net loans and leases to core deposits | 57.9913% | 5,454 |
| Total domestic deposits to total assets | 96.5442% | 15 |
| Equity capital to assets | 3.2341% | 6,839 |
| Core capital (leverage) ratio | 3.3215% | 6,849 |
| Tier 1 risk-based capital ratio | 5.3774% | 6,839 |
| Total risk-based capital ratio | 6.6304% | 6,841 |
| Memoranda: | ||
| Average total assets | $63,687,500 | 5,719 |
| Average earning assets | $61,845,000 | 5,599 |
| Average equity | $2,168,500 | 6,745 |
| Average total loans | $34,667,250 | 5,605 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6152% | 5,387 |
| Cost of funding earning assets | 0.8363% | 1,222 |
| Net interest margin | 2.7789% | 6,048 |
| Noninterest income to average assets | 0.2624% | 5,581 |
| Noninterest expense to average assets | 3.4523% | 1,712 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.4905% | 6,628 |
| Return on assets (ROA) | -0.4905% | 6,644 |
| Pretax return on assets | -0.4905% | 6,622 |
| Return on Equity (ROE) | -14.1740% | 6,789 |
| Retained earnings to average equity (ytd only) | -14.1740% | 6,745 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.5612% | 208 |
| Assets per employee ($millions) | 7.0723% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5840% | 3,211 |
| Loan loss allowance to noncurrent loans | 32.5843% | 5,926 |
| Noncurrent assets plus other real estate owned to assets | 4.2623% | 786 |
| Noncurrent loans to loans | 4.8612% | 684 |
| Net loans and leases to total assets | 53.7855% | 4,619 |
| Net loans and leases to deposits | 55.8110% | 5,363 |
| Net loans and leases to core deposits | 59.5816% | 5,296 |
| Total domestic deposits to total assets | 96.3708% | 19 |
| Equity capital to assets | 3.3212% | 6,885 |
| Core capital (leverage) ratio | 3.3750% | 6,892 |
| Tier 1 risk-based capital ratio | 5.2783% | 6,887 |
| Total risk-based capital ratio | 6.5309% | 6,890 |
| Memoranda: | ||
| Average total assets | $64,014,670 | 5,748 |
| Average earning assets | $62,182,330 | 5,619 |
| Average equity | $2,215,330 | 6,788 |
| Average total loans | $35,012,670 | 5,616 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6679% | 5,257 |
| Cost of funding earning assets | 0.8849% | 1,058 |
| Net interest margin | 2.7830% | 6,063 |
| Noninterest income to average assets | 0.2492% | 5,676 |
| Noninterest expense to average assets | 3.3896% | 1,857 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.4362% | 6,652 |
| Return on assets (ROA) | -0.4362% | 6,682 |
| Pretax return on assets | -0.4362% | 6,658 |
| Return on Equity (ROE) | -12.3566% | 6,839 |
| Retained earnings to average equity (ytd only) | -12.3566% | 6,687 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.7679% | 264 |
| Assets per employee ($millions) | 7.0010% | 769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5864% | 3,455 |
| Loan loss allowance to noncurrent loans | 32.5843% | 5,931 |
| Noncurrent assets plus other real estate owned to assets | 4.3057% | 876 |
| Noncurrent loans to loans | 4.8687% | 793 |
| Net loans and leases to total assets | 54.2478% | 4,365 |
| Net loans and leases to deposits | 56.4770% | 5,199 |
| Net loans and leases to core deposits | 60.3478% | 5,107 |
| Total domestic deposits to total assets | 96.0529% | 22 |
| Equity capital to assets | 3.5424% | 6,954 |
| Core capital (leverage) ratio | 3.4732% | 6,951 |
| Tier 1 risk-based capital ratio | 5.6227% | 6,940 |
| Total risk-based capital ratio | 6.8741% | 6,944 |
| Memoranda: | ||
| Average total assets | $64,196,500 | 5,800 |
| Average earning assets | $62,379,000 | 5,667 |
| Average equity | $2,266,000 | 6,850 |
| Average total loans | $35,126,000 | 5,660 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9744% | 5,387 |
| Cost of funding earning assets | 1.0144% | 1,278 |
| Net interest margin | 2.9600% | 6,123 |
| Noninterest income to average assets | 0.2745% | 5,498 |
| Noninterest expense to average assets | 3.5691% | 1,683 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.4408% | 6,539 |
| Return on assets (ROA) | -0.4408% | 6,582 |
| Pretax return on assets | -0.4408% | 6,544 |
| Return on Equity (ROE) | -12.0428% | 6,764 |
| Retained earnings to average equity (ytd only) | -12.0428% | 6,698 |
| Net charge-offs to loans | 0.0966% | 4,699 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -8.2500% | 5,936 |
| Efficiency ratio | 114.0892% | 275 |
| Assets per employee ($millions) | 8.1730% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5512% | 3,513 |
| Loan loss allowance to noncurrent loans | 32.4118% | 5,965 |
| Noncurrent assets plus other real estate owned to assets | 4.1631% | 1,016 |
| Noncurrent loans to loans | 4.7860% | 858 |
| Net loans and leases to total assets | 53.4825% | 4,692 |
| Net loans and leases to deposits | 55.6681% | 5,478 |
| Net loans and leases to core deposits | 59.6069% | 5,403 |
| Total domestic deposits to total assets | 96.0740% | 25 |
| Equity capital to assets | 3.5177% | 7,021 |
| Core capital (leverage) ratio | 3.3328% | 7,022 |
| Tier 1 risk-based capital ratio | 5.6896% | 7,000 |
| Total risk-based capital ratio | 6.9421% | 7,003 |
| Memoranda: | ||
| Average total assets | $67,384,600 | 5,696 |
| Average earning assets | $64,965,200 | 5,586 |
| Average equity | $2,466,200 | 6,887 |
| Average total loans | $37,281,200 | 5,620 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0403% | 5,396 |
| Cost of funding earning assets | 1.0366% | 1,358 |
| Net interest margin | 3.0037% | 6,162 |
| Noninterest income to average assets | 0.2828% | 5,517 |
| Noninterest expense to average assets | 3.5019% | 1,753 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.3280% | 6,595 |
| Return on assets (ROA) | -0.3280% | 6,650 |
| Pretax return on assets | -0.3280% | 6,617 |
| Return on Equity (ROE) | -8.8789% | 6,837 |
| Retained earnings to average equity (ytd only) | -8.8789% | 6,782 |
| Net charge-offs to loans | 0.1272% | 4,107 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -4.6388% | 5,703 |
| Efficiency ratio | 110.3342% | 304 |
| Assets per employee ($millions) | 6.7864% | 819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4963% | 3,966 |
| Loan loss allowance to noncurrent loans | 59.7614% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 2.8646% | 1,835 |
| Noncurrent loans to loans | 2.5037% | 2,291 |
| Net loans and leases to total assets | 53.4510% | 4,832 |
| Net loans and leases to deposits | 55.6333% | 5,667 |
| Net loans and leases to core deposits | 58.7624% | 5,681 |
| Total domestic deposits to total assets | 96.0774% | 28 |
| Equity capital to assets | 3.5984% | 7,115 |
| Core capital (leverage) ratio | 3.6128% | 7,110 |
| Tier 1 risk-based capital ratio | 5.7932% | 7,090 |
| Total risk-based capital ratio | 7.0430% | 7,092 |
| Memoranda: | ||
| Average total assets | $67,884,750 | 5,749 |
| Average earning assets | $65,339,250 | 5,631 |
| Average equity | $2,507,750 | 6,970 |
| Average total loans | $37,721,500 | 5,665 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0227% | 5,580 |
| Cost of funding earning assets | 1.0809% | 1,308 |
| Net interest margin | 2.9418% | 6,356 |
| Noninterest income to average assets | 0.2887% | 5,499 |
| Noninterest expense to average assets | 3.5085% | 1,767 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.3977% | 6,681 |
| Return on assets (ROA) | -0.3977% | 6,729 |
| Pretax return on assets | -0.3977% | 6,700 |
| Return on Equity (ROE) | -10.6733% | 6,917 |
| Retained earnings to average equity (ytd only) | -10.6733% | 6,849 |
| Net charge-offs to loans | -0.0158% | 6,380 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.7841% | 298 |
| Assets per employee ($millions) | 6.7728% | 829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5464% | 3,803 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3919% | 2,338 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 55.4630% | 4,550 |
| Net loans and leases to deposits | 57.7153% | 5,479 |
| Net loans and leases to core deposits | 61.5945% | 5,428 |
| Total domestic deposits to total assets | 96.0976% | 32 |
| Equity capital to assets | 3.6588% | 7,153 |
| Core capital (leverage) ratio | 3.5877% | 7,149 |
| Tier 1 risk-based capital ratio | 5.6444% | 7,139 |
| Total risk-based capital ratio | 6.8951% | 7,141 |
| Memoranda: | ||
| Average total assets | $67,891,670 | 5,785 |
| Average earning assets | $65,129,670 | 5,670 |
| Average equity | $2,529,670 | 7,011 |
| Average total loans | $38,020,330 | 5,687 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9653% | 5,874 |
| Cost of funding earning assets | 1.1435% | 1,200 |
| Net interest margin | 2.8218% | 6,603 |
| Noninterest income to average assets | 0.1883% | 6,252 |
| Noninterest expense to average assets | 3.6779% | 1,413 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.7885% | 6,947 |
| Return on assets (ROA) | -0.7885% | 6,964 |
| Pretax return on assets | -0.7885% | 6,928 |
| Return on Equity (ROE) | -20.9744% | 7,118 |
| Retained earnings to average equity (ytd only) | -20.9744% | 7,057 |
| Net charge-offs to loans | -0.0316% | 6,367 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.2912% | 174 |
| Assets per employee ($millions) | 6.2482% | 1,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5895% | 3,765 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.8037% | 2,089 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 53.1471% | 4,859 |
| Net loans and leases to deposits | 55.2509% | 5,682 |
| Net loans and leases to core deposits | 58.6776% | 5,657 |
| Total domestic deposits to total assets | 96.1923% | 34 |
| Equity capital to assets | 3.6127% | 7,206 |
| Core capital (leverage) ratio | 3.5984% | 7,205 |
| Tier 1 risk-based capital ratio | 5.7701% | 7,181 |
| Total risk-based capital ratio | 7.0223% | 7,182 |
| Memoranda: | ||
| Average total assets | $67,973,500 | 5,830 |
| Average earning assets | $65,065,000 | 5,718 |
| Average equity | $2,555,500 | 7,052 |
| Average total loans | $37,953,500 | 5,733 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1775% | 6,119 |
| Cost of funding earning assets | 1.2542% | 1,707 |
| Net interest margin | 2.9233% | 6,653 |
| Noninterest income to average assets | -0.3380% | 7,220 |
| Noninterest expense to average assets | 3.8380% | 1,278 |
| Loan and lease loss provision to assets | 0.2278% | 3,918 |
| Net operating income to assets | -1.6295% | 6,941 |
| Return on assets (ROA) | -1.6295% | 6,958 |
| Pretax return on assets | -1.6295% | 6,926 |
| Return on Equity (ROE) | -36.0557% | 7,138 |
| Retained earnings to average equity (ytd only) | -36.0557% | 7,133 |
| Net charge-offs to loans | 0.2475% | 4,231 |
| Credit loss provision to net charge-offs | 159.7938% | 1,733 |
| Earnings coverage of net charge-offs (x) | -9.8351% | 6,398 |
| Efficiency ratio | 157.5392% | 118 |
| Assets per employee ($millions) | 5.6014% | 1,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5133% | 3,967 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.8668% | 2,103 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 56.8338% | 4,570 |
| Net loans and leases to deposits | 59.2803% | 5,569 |
| Net loans and leases to core deposits | 61.7077% | 5,686 |
| Total domestic deposits to total assets | 95.8731% | 39 |
| Equity capital to assets | 3.9097% | 7,228 |
| Core capital (leverage) ratio | 3.8129% | 7,224 |
| Tier 1 risk-based capital ratio | 5.8456% | 7,207 |
| Total risk-based capital ratio | 7.0956% | 7,209 |
| Memoranda: | ||
| Average total assets | $68,056,200 | 5,809 |
| Average earning assets | $64,583,600 | 5,714 |
| Average equity | $3,075,800 | 6,994 |
| Average total loans | $39,192,600 | 5,733 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1478% | 6,321 |
| Cost of funding earning assets | 1.2658% | 1,896 |
| Net interest margin | 2.8820% | 6,777 |
| Noninterest income to average assets | -0.5058% | 7,353 |
| Noninterest expense to average assets | 3.6699% | 1,568 |
| Loan and lease loss provision to assets | 0.3027% | 3,107 |
| Net operating income to assets | -1.7480% | 7,093 |
| Return on assets (ROA) | -1.7480% | 7,106 |
| Pretax return on assets | -1.7480% | 7,071 |
| Return on Equity (ROE) | -37.4339% | 7,238 |
| Retained earnings to average equity (ytd only) | -37.4339% | 7,232 |
| Net charge-offs to loans | 0.1697% | 4,436 |
| Credit loss provision to net charge-offs | 310.0000% | 916 |
| Earnings coverage of net charge-offs (x) | -14.7989% | 6,144 |
| Efficiency ratio | 164.9693% | 102 |
| Assets per employee ($millions) | 6.1193% | 1,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6113% | 3,607 |
| Loan loss allowance to noncurrent loans | 98.2946% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 2.9326% | 2,195 |
| Noncurrent loans to loans | 1.6393% | 3,835 |
| Net loans and leases to total assets | 57.5113% | 4,582 |
| Net loans and leases to deposits | 60.1379% | 5,613 |
| Net loans and leases to core deposits | 61.6296% | 5,850 |
| Total domestic deposits to total assets | 95.6323% | 37 |
| Equity capital to assets | 4.1954% | 7,308 |
| Core capital (leverage) ratio | 4.0703% | 7,297 |
| Tier 1 risk-based capital ratio | 6.3170% | 7,285 |
| Total risk-based capital ratio | 7.5704% | 7,286 |
| Memoranda: | ||
| Average total assets | $68,266,000 | 5,833 |
| Average earning assets | $64,675,500 | 5,752 |
| Average equity | $3,187,750 | 7,026 |
| Average total loans | $39,293,500 | 5,777 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0888% | 6,516 |
| Cost of funding earning assets | 1.2681% | 2,133 |
| Net interest margin | 2.8207% | 6,896 |
| Noninterest income to average assets | -0.8923% | 7,469 |
| Noninterest expense to average assets | 3.5344% | 1,897 |
| Loan and lease loss provision to assets | 0.4520% | 2,158 |
| Net operating income to assets | -2.2192% | 7,225 |
| Return on assets (ROA) | -2.2192% | 7,231 |
| Pretax return on assets | -2.2192% | 7,206 |
| Return on Equity (ROE) | -45.9958% | 7,332 |
| Retained earnings to average equity (ytd only) | -45.9958% | 7,329 |
| Net charge-offs to loans | 0.2444% | 3,658 |
| Credit loss provision to net charge-offs | 322.9167% | 937 |
| Earnings coverage of net charge-offs (x) | -12.6250% | 5,834 |
| Efficiency ratio | 200.0000% | 64 |
| Assets per employee ($millions) | 5.2097% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6622% | 3,446 |
| Loan loss allowance to noncurrent loans | 64.8980% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 3.4093% | 1,937 |
| Noncurrent loans to loans | 2.5613% | 2,817 |
| Net loans and leases to total assets | 55.5562% | 5,060 |
| Net loans and leases to deposits | 58.2085% | 5,913 |
| Net loans and leases to core deposits | 59.6433% | 6,118 |
| Total domestic deposits to total assets | 95.4434% | 39 |
| Equity capital to assets | 4.3159% | 7,367 |
| Core capital (leverage) ratio | 4.0641% | 7,370 |
| Tier 1 risk-based capital ratio | 6.5204% | 7,335 |
| Total risk-based capital ratio | 7.7741% | 7,341 |
| Memoranda: | ||
| Average total assets | $68,584,000 | 5,868 |
| Average earning assets | $64,664,000 | 5,797 |
| Average equity | $3,309,000 | 7,037 |
| Average total loans | $39,276,000 | 5,830 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1316% | 6,439 |
| Cost of funding earning assets | 1.2842% | 2,280 |
| Net interest margin | 2.8475% | 6,839 |
| Noninterest income to average assets | -0.3709% | 7,475 |
| Noninterest expense to average assets | 3.7210% | 1,495 |
| Loan and lease loss provision to assets | 0.0869% | 4,920 |
| Net operating income to assets | -1.5186% | 7,205 |
| Return on assets (ROA) | -1.5186% | 7,207 |
| Pretax return on assets | -1.5186% | 7,167 |
| Return on Equity (ROE) | -29.9258% | 7,321 |
| Retained earnings to average equity (ytd only) | -29.9258% | 7,295 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 162.5316% | 117 |
| Assets per employee ($millions) | 5.8007% | 1,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3984% | 4,672 |
| Loan loss allowance to noncurrent loans | 48.1416% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 4.6230% | 1,394 |
| Noncurrent loans to loans | 2.9048% | 2,587 |
| Net loans and leases to total assets | 55.1043% | 5,142 |
| Net loans and leases to deposits | 58.0736% | 5,915 |
| Net loans and leases to core deposits | 59.4737% | 6,144 |
| Total domestic deposits to total assets | 94.8871% | 57 |
| Equity capital to assets | 4.8414% | 7,385 |
| Core capital (leverage) ratio | 4.8090% | 7,374 |
| Tier 1 risk-based capital ratio | 7.2879% | 7,343 |
| Total risk-based capital ratio | 8.4952% | 7,351 |
| Memoranda: | ||
| Average total assets | $69,013,000 | 5,894 |
| Average earning assets | $64,478,000 | 5,840 |
| Average equity | $3,502,000 | 7,014 |
| Average total loans | $39,783,000 | 5,860 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6061% | 6,093 |
| Cost of funding earning assets | 1.6130% | 1,994 |
| Net interest margin | 2.9931% | 6,744 |
| Noninterest income to average assets | 0.2379% | 6,095 |
| Noninterest expense to average assets | 5.3322% | 330 |
| Loan and lease loss provision to assets | 1.0053% | 1,618 |
| Net operating income to assets | -3.4250% | 7,365 |
| Return on assets (ROA) | -3.4250% | 7,376 |
| Pretax return on assets | -3.4250% | 7,354 |
| Return on Equity (ROE) | -47.0202% | 7,403 |
| Retained earnings to average equity (ytd only) | -47.0202% | 7,399 |
| Net charge-offs to loans | 1.4988% | 1,470 |
| Credit loss provision to net charge-offs | 108.3969% | 4,079 |
| Earnings coverage of net charge-offs (x) | -2.6092% | 6,730 |
| Efficiency ratio | 183.0822% | 116 |
| Assets per employee ($millions) | 5.7015% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 4,997 |
| Loan loss allowance to noncurrent loans | 42.9383% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 5.5833% | 1,104 |
| Noncurrent loans to loans | 3.0296% | 2,519 |
| Net loans and leases to total assets | 58.6629% | 4,927 |
| Net loans and leases to deposits | 62.1070% | 5,839 |
| Net loans and leases to core deposits | 64.2001% | 6,035 |
| Total domestic deposits to total assets | 94.4547% | 74 |
| Equity capital to assets | 5.3115% | 7,411 |
| Core capital (leverage) ratio | 5.0586% | 7,414 |
| Tier 1 risk-based capital ratio | 7.6695% | 7,376 |
| Total risk-based capital ratio | 8.8134% | 7,388 |
| Memoranda: | ||
| Average total assets | $70,627,200 | 5,865 |
| Average earning assets | $63,111,400 | 5,889 |
| Average equity | $5,144,600 | 6,626 |
| Average total loans | $43,702,400 | 5,758 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6884% | 6,070 |
| Cost of funding earning assets | 1.6606% | 2,043 |
| Net interest margin | 3.0278% | 6,772 |
| Noninterest income to average assets | 0.2341% | 6,210 |
| Noninterest expense to average assets | 3.7875% | 1,389 |
| Loan and lease loss provision to assets | 0.0843% | 6,193 |
| Net operating income to assets | -0.9497% | 6,872 |
| Return on assets (ROA) | -0.9497% | 6,914 |
| Pretax return on assets | -0.9497% | 6,834 |
| Return on Equity (ROE) | -12.2410% | 7,019 |
| Retained earnings to average equity (ytd only) | -12.2410% | 6,981 |
| Net charge-offs to loans | 0.0150% | 6,467 |
| Credit loss provision to net charge-offs | 900.0000% | 324 |
| Earnings coverage of net charge-offs (x) | -92.3508% | 6,664 |
| Efficiency ratio | 129.6154% | 298 |
| Assets per employee ($millions) | 5.8748% | 1,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1913% | 5,542 |
| Loan loss allowance to noncurrent loans | 29.7110% | 6,348 |
| Noncurrent assets plus other real estate owned to assets | 6.6612% | 847 |
| Noncurrent loans to loans | 4.0096% | 1,873 |
| Net loans and leases to total assets | 60.4726% | 4,824 |
| Net loans and leases to deposits | 65.6807% | 5,703 |
| Net loans and leases to core deposits | 67.5883% | 5,984 |
| Total domestic deposits to total assets | 92.0707% | 180 |
| Equity capital to assets | 7.6797% | 7,013 |
| Core capital (leverage) ratio | 7.4325% | 6,897 |
| Tier 1 risk-based capital ratio | 10.8067% | 6,540 |
| Total risk-based capital ratio | 11.8530% | 6,693 |
| Memoranda: | ||
| Average total assets | $71,179,500 | 5,912 |
| Average earning assets | $63,190,000 | 5,944 |
| Average equity | $5,522,250 | 6,585 |
| Average total loans | $44,461,750 | 5,810 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6396% | 6,342 |
| Cost of funding earning assets | 1.6572% | 2,343 |
| Net interest margin | 2.9824% | 6,862 |
| Noninterest income to average assets | 0.2185% | 6,354 |
| Noninterest expense to average assets | 3.5599% | 1,888 |
| Loan and lease loss provision to assets | 0.0840% | 6,085 |
| Net operating income to assets | -0.7338% | 6,830 |
| Return on assets (ROA) | -0.7338% | 6,844 |
| Pretax return on assets | -0.7338% | 6,745 |
| Return on Equity (ROE) | -9.4273% | 6,947 |
| Retained earnings to average equity (ytd only) | -9.4273% | 6,890 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.3292% | 385 |
| Assets per employee ($millions) | 5.9794% | 1,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 5,866 |
| Loan loss allowance to noncurrent loans | 27.8761% | 6,499 |
| Noncurrent assets plus other real estate owned to assets | 5.7085% | 1,058 |
| Noncurrent loans to loans | 4.0027% | 1,890 |
| Net loans and leases to total assets | 62.2497% | 4,631 |
| Net loans and leases to deposits | 67.7076% | 5,587 |
| Net loans and leases to core deposits | 69.9206% | 5,877 |
| Total domestic deposits to total assets | 91.9390% | 229 |
| Equity capital to assets | 7.8617% | 6,875 |
| Core capital (leverage) ratio | 7.6761% | 6,641 |
| Tier 1 risk-based capital ratio | 10.8352% | 6,416 |
| Total risk-based capital ratio | 11.0147% | 7,137 |
| Memoranda: | ||
| Average total assets | $71,406,670 | 5,937 |
| Average earning assets | $64,445,330 | 5,947 |
| Average equity | $5,558,330 | 6,601 |
| Average total loans | $44,900,330 | 5,825 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6187% | 6,508 |
| Cost of funding earning assets | 1.6632% | 2,581 |
| Net interest margin | 2.9555% | 6,931 |
| Noninterest income to average assets | 0.2134% | 6,439 |
| Noninterest expense to average assets | 3.3467% | 2,384 |
| Loan and lease loss provision to assets | 0.0842% | 5,796 |
| Net operating income to assets | -0.5335% | 6,851 |
| Return on assets (ROA) | -0.5335% | 6,883 |
| Pretax return on assets | -0.5335% | 6,811 |
| Return on Equity (ROE) | -6.8878% | 6,982 |
| Retained earnings to average equity (ytd only) | -6.8878% | 6,725 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.5039% | 504 |
| Assets per employee ($millions) | 5.4634% | 1,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 6,086 |
| Loan loss allowance to noncurrent loans | 28.5464% | 6,495 |
| Noncurrent assets plus other real estate owned to assets | 5.6333% | 1,088 |
| Noncurrent loans to loans | 3.7976% | 2,083 |
| Net loans and leases to total assets | 62.8224% | 4,580 |
| Net loans and leases to deposits | 68.4529% | 5,538 |
| Net loans and leases to core deposits | 70.8070% | 5,844 |
| Total domestic deposits to total assets | 91.7746% | 297 |
| Equity capital to assets | 7.9424% | 6,716 |
| Core capital (leverage) ratio | 7.9296% | 6,340 |
| Tier 1 risk-based capital ratio | 10.8572% | 6,285 |
| Total risk-based capital ratio | 11.8100% | 6,571 |
| Memoranda: | ||
| Average total assets | $71,233,500 | 6,015 |
| Average earning assets | $64,693,500 | 6,009 |
| Average equity | $5,517,000 | 6,665 |
| Average total loans | $44,765,500 | 5,899 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0058% | 6,413 |
| Cost of funding earning assets | 1.9494% | 3,215 |
| Net interest margin | 3.0563% | 6,500 |
| Noninterest income to average assets | -0.2404% | 7,876 |
| Noninterest expense to average assets | 3.2287% | 3,279 |
| Loan and lease loss provision to assets | 0.4418% | 4,181 |
| Net operating income to assets | -1.0632% | 6,621 |
| Return on assets (ROA) | -0.9531% | 6,545 |
| Pretax return on assets | -0.9531% | 6,381 |
| Return on Equity (ROE) | -11.1314% | 6,706 |
| Retained earnings to average equity (ytd only) | -11.1314% | 6,608 |
| Net charge-offs to loans | 0.5587% | 3,546 |
| Credit loss provision to net charge-offs | 120.5534% | 4,439 |
| Earnings coverage of net charge-offs (x) | -1.6957% | 6,981 |
| Efficiency ratio | 123.8333% | 547 |
| Assets per employee ($millions) | 5.1031% | 2,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 6,057 |
| Loan loss allowance to noncurrent loans | 33.0775% | 6,243 |
| Noncurrent assets plus other real estate owned to assets | 5.2083% | 1,150 |
| Noncurrent loans to loans | 3.2258% | 2,366 |
| Net loans and leases to total assets | 61.5162% | 5,101 |
| Net loans and leases to deposits | 66.7593% | 5,970 |
| Net loans and leases to core deposits | 93.3417% | 4,745 |
| Total domestic deposits to total assets | 92.1462% | 236 |
| Equity capital to assets | 7.5487% | 6,989 |
| Core capital (leverage) ratio | 7.4040% | 6,879 |
| Tier 1 risk-based capital ratio | 10.2007% | 6,684 |
| Total risk-based capital ratio | 11.1086% | 6,957 |
| Memoranda: | ||
| Average total assets | $69,037,800 | 6,035 |
| Average earning assets | $64,326,000 | 5,986 |
| Average equity | $5,911,200 | 6,632 |
| Average total loans | $45,287,400 | 5,862 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0467% | 6,456 |
| Cost of funding earning assets | 2.0032% | 3,341 |
| Net interest margin | 3.0434% | 6,485 |
| Noninterest income to average assets | 0.2299% | 6,577 |
| Noninterest expense to average assets | 3.1250% | 3,559 |
| Loan and lease loss provision to assets | 0.0584% | 6,780 |
| Net operating income to assets | -0.1091% | 5,903 |
| Return on assets (ROA) | 0.0390% | 5,668 |
| Pretax return on assets | 0.0390% | 5,631 |
| Return on Equity (ROE) | 0.4415% | 5,654 |
| Retained earnings to average equity (ytd only) | 0.4415% | 5,017 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6477% | 993 |
| Assets per employee ($millions) | 5.0521% | 2,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0057% | 6,253 |
| Loan loss allowance to noncurrent loans | 26.1877% | 6,709 |
| Noncurrent assets plus other real estate owned to assets | 5.9579% | 909 |
| Noncurrent loans to loans | 3.8404% | 1,935 |
| Net loans and leases to total assets | 62.9026% | 5,085 |
| Net loans and leases to deposits | 69.9346% | 5,928 |
| Net loans and leases to core deposits | 96.9134% | 4,713 |
| Total domestic deposits to total assets | 89.9449% | 786 |
| Equity capital to assets | 8.5395% | 6,204 |
| Core capital (leverage) ratio | 8.5139% | 5,464 |
| Tier 1 risk-based capital ratio | 11.4183% | 5,507 |
| Total risk-based capital ratio | 12.2778% | 5,888 |
| Memoranda: | ||
| Average total assets | $68,436,500 | 6,092 |
| Average earning assets | $63,961,500 | 6,037 |
| Average equity | $6,040,750 | 6,650 |
| Average total loans | $45,503,500 | 5,903 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1330% | 6,304 |
| Cost of funding earning assets | 2.0608% | 3,472 |
| Net interest margin | 3.0722% | 6,326 |
| Noninterest income to average assets | 0.2335% | 6,609 |
| Noninterest expense to average assets | 3.1180% | 3,629 |
| Loan and lease loss provision to assets | 0.0591% | 6,628 |
| Net operating income to assets | -0.0709% | 5,958 |
| Return on assets (ROA) | 0.1123% | 5,629 |
| Pretax return on assets | 0.1123% | 5,650 |
| Return on Equity (ROE) | 1.2581% | 5,553 |
| Retained earnings to average equity (ytd only) | 1.2581% | 4,647 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3806% | 1,156 |
| Assets per employee ($millions) | 4.9913% | 2,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9633% | 6,482 |
| Loan loss allowance to noncurrent loans | 45.4265% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 4.9458% | 1,082 |
| Noncurrent loans to loans | 2.1206% | 3,352 |
| Net loans and leases to total assets | 65.0305% | 4,759 |
| Net loans and leases to deposits | 71.4710% | 5,814 |
| Net loans and leases to core deposits | 101.6964% | 4,311 |
| Total domestic deposits to total assets | 90.9886% | 454 |
| Equity capital to assets | 8.6293% | 5,851 |
| Core capital (leverage) ratio | 8.5342% | 5,381 |
| Tier 1 risk-based capital ratio | 11.2613% | 5,628 |
| Total risk-based capital ratio | 12.0877% | 5,977 |
| Memoranda: | ||
| Average total assets | $67,672,000 | 6,163 |
| Average earning assets | $63,276,670 | 6,101 |
| Average equity | $6,041,000 | 6,697 |
| Average total loans | $45,690,330 | 5,949 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1712% | 6,407 |
| Cost of funding earning assets | 2.1032% | 3,633 |
| Net interest margin | 3.0680% | 6,285 |
| Noninterest income to average assets | 0.3665% | 5,502 |
| Noninterest expense to average assets | 3.3769% | 2,427 |
| Loan and lease loss provision to assets | 0.0300% | 6,554 |
| Net operating income to assets | -0.1743% | 6,514 |
| Return on assets (ROA) | 0.1983% | 5,835 |
| Pretax return on assets | 0.1983% | 5,942 |
| Return on Equity (ROE) | 2.1831% | 5,713 |
| Retained earnings to average equity (ytd only) | 2.1831% | 4,661 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.4610% | 969 |
| Assets per employee ($millions) | 4.8198% | 2,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9565% | 6,451 |
| Loan loss allowance to noncurrent loans | 21.2121% | 7,099 |
| Noncurrent assets plus other real estate owned to assets | 6.6630% | 537 |
| Noncurrent loans to loans | 4.5093% | 1,270 |
| Net loans and leases to total assets | 65.5245% | 4,696 |
| Net loans and leases to deposits | 72.3408% | 5,703 |
| Net loans and leases to core deposits | 102.7898% | 4,258 |
| Total domestic deposits to total assets | 90.5775% | 561 |
| Equity capital to assets | 8.9334% | 5,430 |
| Core capital (leverage) ratio | 9.0669% | 4,601 |
| Tier 1 risk-based capital ratio | 11.4211% | 5,483 |
| Total risk-based capital ratio | 12.2316% | 5,818 |
| Memoranda: | ||
| Average total assets | $66,569,000 | 6,228 |
| Average earning assets | $62,190,000 | 6,167 |
| Average equity | $6,046,500 | 6,742 |
| Average total loans | $45,593,500 | 5,980 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0779% | 5,154 |
| Cost of funding earning assets | 2.5455% | 3,977 |
| Net interest margin | 3.5325% | 5,184 |
| Noninterest income to average assets | 0.5300% | 4,392 |
| Noninterest expense to average assets | 3.4703% | 2,473 |
| Loan and lease loss provision to assets | 0.0706% | 6,515 |
| Net operating income to assets | 0.2948% | 5,563 |
| Return on assets (ROA) | 0.3215% | 5,292 |
| Pretax return on assets | 0.3215% | 5,462 |
| Return on Equity (ROE) | 3.4448% | 5,065 |
| Retained earnings to average equity (ytd only) | 3.4448% | 2,998 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4742% | 1,476 |
| Assets per employee ($millions) | 4.6901% | 2,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9066% | 6,638 |
| Loan loss allowance to noncurrent loans | 29.0034% | 6,760 |
| Noncurrent assets plus other real estate owned to assets | 5.0745% | 676 |
| Noncurrent loans to loans | 3.1259% | 1,695 |
| Net loans and leases to total assets | 70.2457% | 3,963 |
| Net loans and leases to deposits | 80.1627% | 5,022 |
| Net loans and leases to core deposits | 113.4969% | 3,395 |
| Total domestic deposits to total assets | 87.6289% | 1,654 |
| Equity capital to assets | 9.2368% | 5,022 |
| Core capital (leverage) ratio | 9.3576% | 4,221 |
| Tier 1 risk-based capital ratio | 11.3615% | 5,372 |
| Total risk-based capital ratio | 12.1628% | 5,722 |
| Memoranda: | ||
| Average total assets | $63,770,000 | 6,240 |
| Average earning assets | $59,674,800 | 6,184 |
| Average equity | $5,951,000 | 6,826 |
| Average total loans | $47,407,400 | 5,807 |