Home > Anadarko Bank and Trust Company > Performance and Condition Ratios
Anadarko Bank and Trust Company, Performance and Condition Ratios
| 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 | 4.5162% | 1,481 |
| Cost of funding earning assets | 0.5677% | 1,660 |
| Net interest margin | 3.9485% | 1,814 |
| Noninterest income to average assets | 0.4551% | 3,661 |
| Noninterest expense to average assets | 3.1690% | 2,068 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0041% | 2,374 |
| Return on assets (ROA) | 1.0041% | 2,476 |
| Pretax return on assets | 1.0041% | 3,576 |
| Return on Equity (ROE) | 9.3708% | 2,351 |
| Retained earnings to average equity (ytd only) | 9.3708% | 811 |
| Net charge-offs to loans | -0.0856% | 5,730 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9377% | 2,368 |
| Assets per employee ($millions) | 3.3952% | 4,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5525% | 2,077 |
| Loan loss allowance to noncurrent loans | 311.4815% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 4,551 |
| Noncurrent loans to loans | 0.4984% | 3,967 |
| Net loans and leases to total assets | 65.4476% | 3,060 |
| Net loans and leases to deposits | 75.9633% | 3,279 |
| Net loans and leases to core deposits | 79.2681% | 3,466 |
| Total domestic deposits to total assets | 86.1570% | 2,603 |
| Equity capital to assets | 11.1039% | 2,774 |
| Core capital (leverage) ratio | 10.7770% | 2,646 |
| Tier 1 risk-based capital ratio | 17.0399% | 2,391 |
| Total risk-based capital ratio | 18.2945% | 2,329 |
| Memoranda: | ||
| Average total assets | $83,055,670 | 4,917 |
| Average earning assets | $78,207,670 | 4,867 |
| Average equity | $8,900,000 | 4,966 |
| Average total loans | $56,059,000 | 4,584 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5225% | 1,401 |
| Cost of funding earning assets | 0.5628% | 1,724 |
| Net interest margin | 3.9597% | 1,689 |
| Noninterest income to average assets | 0.4628% | 3,554 |
| Noninterest expense to average assets | 3.2681% | 1,801 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9208% | 2,649 |
| Return on assets (ROA) | 0.9208% | 2,770 |
| Pretax return on assets | 0.9208% | 3,810 |
| Return on Equity (ROE) | 8.7469% | 2,575 |
| Retained earnings to average equity (ytd only) | 8.7469% | 1,289 |
| Net charge-offs to loans | -0.0632% | 5,643 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0182% | 2,184 |
| Assets per employee ($millions) | 2.9809% | 5,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4966% | 2,456 |
| Loan loss allowance to noncurrent loans | 312.8788% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.3163% | 4,723 |
| Noncurrent loans to loans | 0.4783% | 4,141 |
| Net loans and leases to total assets | 65.1351% | 2,914 |
| Net loans and leases to deposits | 75.2040% | 3,149 |
| Net loans and leases to core deposits | 78.3730% | 3,337 |
| Total domestic deposits to total assets | 86.6112% | 2,597 |
| Equity capital to assets | 10.7638% | 3,240 |
| Core capital (leverage) ratio | 10.3418% | 3,175 |
| Tier 1 risk-based capital ratio | 16.4072% | 2,733 |
| Total risk-based capital ratio | 16.4317% | 3,251 |
| Memoranda: | ||
| Average total assets | $83,841,000 | 4,945 |
| Average earning assets | $78,895,000 | 4,893 |
| Average equity | $8,826,000 | 5,027 |
| Average total loans | $57,003,000 | 4,577 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8801% | 953 |
| Cost of funding earning assets | 0.5699% | 2,046 |
| Net interest margin | 4.3102% | 1,037 |
| Noninterest income to average assets | 0.5425% | 3,218 |
| Noninterest expense to average assets | 3.6730% | 1,196 |
| Loan and lease loss provision to assets | 0.0102% | 4,419 |
| Net operating income to assets | 0.8855% | 2,948 |
| Return on assets (ROA) | 0.9300% | 2,814 |
| Pretax return on assets | 0.9300% | 3,779 |
| Return on Equity (ROE) | 9.0823% | 2,548 |
| Retained earnings to average equity (ytd only) | 5.9556% | 1,955 |
| Net charge-offs to loans | -0.0668% | 6,015 |
| Credit loss provision to net charge-offs | -21.6216% | 5,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8665% | 1,952 |
| Assets per employee ($millions) | 3.0078% | 5,686 |
| Cash dividends to net income (ytd only)* | 34.4262% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3891% | 3,003 |
| Loan loss allowance to noncurrent loans | 315.4440% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 4,806 |
| Noncurrent loans to loans | 0.4404% | 4,322 |
| Net loans and leases to total assets | 68.8673% | 2,420 |
| Net loans and leases to deposits | 79.0142% | 2,828 |
| Net loans and leases to core deposits | 82.2853% | 3,069 |
| Total domestic deposits to total assets | 87.1582% | 2,186 |
| Equity capital to assets | 10.2925% | 3,733 |
| Core capital (leverage) ratio | 10.0569% | 3,486 |
| Tier 1 risk-based capital ratio | 12.6883% | 4,926 |
| Total risk-based capital ratio | 13.9108% | 4,855 |
| Memoranda: | ||
| Average total assets | $78,709,800 | 5,097 |
| Average earning assets | $73,523,200 | 5,051 |
| Average equity | $8,059,600 | 5,188 |
| Average total loans | $55,355,200 | 4,633 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8884% | 952 |
| Cost of funding earning assets | 0.5569% | 2,223 |
| Net interest margin | 4.3315% | 984 |
| Noninterest income to average assets | 0.5724% | 3,051 |
| Noninterest expense to average assets | 3.8120% | 960 |
| Loan and lease loss provision to assets | 0.0138% | 4,137 |
| Net operating income to assets | 0.7827% | 3,499 |
| Return on assets (ROA) | 0.8034% | 3,508 |
| Pretax return on assets | 0.8034% | 4,355 |
| Return on Equity (ROE) | 7.8574% | 3,284 |
| Retained earnings to average equity (ytd only) | 3.6083% | 4,083 |
| Net charge-offs to loans | -0.0538% | 5,936 |
| Credit loss provision to net charge-offs | -36.3636% | 5,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0052% | 1,624 |
| Assets per employee ($millions) | 2.8687% | 5,892 |
| Cash dividends to net income (ytd only)* | 54.0768% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4251% | 3,057 |
| Loan loss allowance to noncurrent loans | 298.1413% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.3233% | 4,979 |
| Noncurrent loans to loans | 0.4780% | 4,475 |
| Net loans and leases to total assets | 66.6835% | 2,742 |
| Net loans and leases to deposits | 76.3859% | 3,140 |
| Net loans and leases to core deposits | 79.8814% | 3,324 |
| Total domestic deposits to total assets | 87.2982% | 2,156 |
| Equity capital to assets | 9.9600% | 4,213 |
| Core capital (leverage) ratio | 10.0073% | 3,674 |
| Tier 1 risk-based capital ratio | 12.7103% | 5,036 |
| Total risk-based capital ratio | 13.9514% | 4,952 |
| Memoranda: | ||
| Average total assets | $77,333,000 | 5,177 |
| Average earning assets | $72,059,500 | 5,138 |
| Average equity | $7,907,500 | 5,261 |
| Average total loans | $54,490,250 | 4,709 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8858% | 935 |
| Cost of funding earning assets | 0.5232% | 2,605 |
| Net interest margin | 4.3627% | 915 |
| Noninterest income to average assets | 0.6235% | 2,690 |
| Noninterest expense to average assets | 4.0356% | 730 |
| Loan and lease loss provision to assets | 0.0212% | 3,850 |
| Net operating income to assets | 0.6156% | 4,273 |
| Return on assets (ROA) | 0.6474% | 4,215 |
| Pretax return on assets | 0.6474% | 4,797 |
| Return on Equity (ROE) | 6.2714% | 4,012 |
| Retained earnings to average equity (ytd only) | -0.2056% | 5,719 |
| Net charge-offs to loans | -0.0186% | 5,517 |
| Credit loss provision to net charge-offs | -160.0000% | 5,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2924% | 1,343 |
| Assets per employee ($millions) | 2.5090% | 6,289 |
| Cash dividends to net income (ytd only)* | 103.2787% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3815% | 3,445 |
| Loan loss allowance to noncurrent loans | 288.6029% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.3388% | 5,025 |
| Noncurrent loans to loans | 0.4787% | 4,566 |
| Net loans and leases to total assets | 69.7946% | 2,123 |
| Net loans and leases to deposits | 81.1481% | 2,365 |
| Net loans and leases to core deposits | 85.0564% | 2,608 |
| Total domestic deposits to total assets | 86.0089% | 3,031 |
| Equity capital to assets | 9.9680% | 4,153 |
| Core capital (leverage) ratio | 10.2302% | 3,291 |
| Tier 1 risk-based capital ratio | 12.3771% | 5,314 |
| Total risk-based capital ratio | 13.5929% | 5,255 |
| Memoranda: | ||
| Average total assets | $75,379,670 | 5,265 |
| Average earning assets | $69,957,330 | 5,222 |
| Average equity | $7,781,330 | 5,320 |
| Average total loans | $53,894,330 | 4,753 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8645% | 920 |
| Cost of funding earning assets | 0.5036% | 2,869 |
| Net interest margin | 4.3608% | 874 |
| Noninterest income to average assets | 0.6692% | 2,347 |
| Noninterest expense to average assets | 4.2015% | 604 |
| Loan and lease loss provision to assets | 0.0439% | 3,219 |
| Net operating income to assets | 0.4607% | 4,893 |
| Return on assets (ROA) | 0.5320% | 4,614 |
| Pretax return on assets | 0.5320% | 5,073 |
| Return on Equity (ROE) | 5.0583% | 4,524 |
| Retained earnings to average equity (ytd only) | -8.0829% | 6,288 |
| Net charge-offs to loans | -0.0992% | 6,115 |
| Credit loss provision to net charge-offs | -61.5385% | 4,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5291% | 1,281 |
| Assets per employee ($millions) | 2.3278% | 6,458 |
| Cash dividends to net income (ytd only)* | 259.7938% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4656% | 3,305 |
| Loan loss allowance to noncurrent loans | 269.7279% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.3947% | 4,961 |
| Noncurrent loans to loans | 0.5434% | 4,539 |
| Net loans and leases to total assets | 71.5697% | 1,638 |
| Net loans and leases to deposits | 79.9943% | 2,295 |
| Net loans and leases to core deposits | 83.9866% | 2,517 |
| Total domestic deposits to total assets | 89.4685% | 1,383 |
| Equity capital to assets | 10.2898% | 3,487 |
| Core capital (leverage) ratio | 10.8523% | 2,540 |
| Tier 1 risk-based capital ratio | 12.7498% | 5,162 |
| Total risk-based capital ratio | 14.0004% | 5,096 |
| Memoranda: | ||
| Average total assets | $72,926,000 | 5,368 |
| Average earning assets | $67,510,000 | 5,333 |
| Average equity | $7,670,500 | 5,377 |
| Average total loans | $52,431,000 | 4,847 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0723% | 798 |
| Cost of funding earning assets | 0.5754% | 2,881 |
| Net interest margin | 4.4969% | 743 |
| Noninterest income to average assets | 0.5876% | 3,168 |
| Noninterest expense to average assets | 3.6821% | 1,313 |
| Loan and lease loss provision to assets | 0.3087% | 1,080 |
| Net operating income to assets | 0.7441% | 3,585 |
| Return on assets (ROA) | 0.8978% | 2,887 |
| Pretax return on assets | 0.8978% | 3,773 |
| Return on Equity (ROE) | 8.0684% | 3,002 |
| Retained earnings to average equity (ytd only) | 8.0684% | 1,031 |
| Net charge-offs to loans | -0.0234% | 6,169 |
| Credit loss provision to net charge-offs | -1,972.7273% | 6,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9615% | 2,776 |
| Assets per employee ($millions) | 2.3787% | 6,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5210% | 3,094 |
| Loan loss allowance to noncurrent loans | 1,102.8571% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 6,043 |
| Noncurrent loans to loans | 0.1379% | 5,795 |
| Net loans and leases to total assets | 70.0439% | 2,003 |
| Net loans and leases to deposits | 78.6456% | 2,642 |
| Net loans and leases to core deposits | 82.7646% | 2,804 |
| Total domestic deposits to total assets | 89.0627% | 1,576 |
| Equity capital to assets | 10.7566% | 2,871 |
| Core capital (leverage) ratio | 11.1743% | 2,220 |
| Tier 1 risk-based capital ratio | 13.7342% | 4,494 |
| Total risk-based capital ratio | 14.9855% | 4,436 |
| Memoranda: | ||
| Average total assets | $70,286,800 | 5,472 |
| Average earning assets | $64,822,800 | 5,444 |
| Average equity | $7,820,600 | 5,390 |
| Average total loans | $47,060,200 | 5,064 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0378% | 865 |
| Cost of funding earning assets | 0.5905% | 2,893 |
| Net interest margin | 4.4473% | 812 |
| Noninterest income to average assets | 0.5732% | 3,309 |
| Noninterest expense to average assets | 3.5495% | 1,494 |
| Loan and lease loss provision to assets | 0.3675% | 859 |
| Net operating income to assets | 0.7579% | 3,569 |
| Return on assets (ROA) | 0.8893% | 3,004 |
| Pretax return on assets | 0.8893% | 3,933 |
| Return on Equity (ROE) | 7.9250% | 3,158 |
| Retained earnings to average equity (ytd only) | 7.9250% | 1,441 |
| Net charge-offs to loans | 0.0116% | 4,912 |
| Credit loss provision to net charge-offs | 4,825.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 147.8386% | 373 |
| Efficiency ratio | 74.0937% | 3,047 |
| Assets per employee ($millions) | 2.3274% | 6,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5091% | 3,419 |
| Loan loss allowance to noncurrent loans | 251.0274% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.4970% | 4,949 |
| Noncurrent loans to loans | 0.6012% | 4,693 |
| Net loans and leases to total assets | 68.5132% | 2,224 |
| Net loans and leases to deposits | 77.2191% | 2,792 |
| Net loans and leases to core deposits | 80.8170% | 3,028 |
| Total domestic deposits to total assets | 88.7258% | 1,708 |
| Equity capital to assets | 10.8918% | 2,869 |
| Core capital (leverage) ratio | 11.1987% | 2,306 |
| Tier 1 risk-based capital ratio | 14.0190% | 4,416 |
| Total risk-based capital ratio | 15.2696% | 4,369 |
| Memoranda: | ||
| Average total assets | $70,018,250 | 5,528 |
| Average earning assets | $64,576,750 | 5,504 |
| Average equity | $7,856,750 | 5,431 |
| Average total loans | $46,136,250 | 5,154 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9876% | 926 |
| Cost of funding earning assets | 0.6440% | 2,556 |
| Net interest margin | 4.3437% | 948 |
| Noninterest income to average assets | 0.6906% | 2,683 |
| Noninterest expense to average assets | 3.3503% | 1,935 |
| Loan and lease loss provision to assets | 0.4823% | 581 |
| Net operating income to assets | 0.8618% | 2,984 |
| Return on assets (ROA) | 0.8618% | 3,138 |
| Pretax return on assets | 0.8618% | 4,058 |
| Return on Equity (ROE) | 7.6064% | 3,284 |
| Retained earnings to average equity (ytd only) | 7.6064% | 1,623 |
| Net charge-offs to loans | 0.0265% | 4,326 |
| Credit loss provision to net charge-offs | 2,816.6667% | 118 |
| Earnings coverage of net charge-offs (x) | 78.5000% | 578 |
| Efficiency ratio | 69.5441% | 3,917 |
| Assets per employee ($millions) | 2.3877% | 6,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5046% | 3,570 |
| Loan loss allowance to noncurrent loans | 186.5435% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.7828% | 4,268 |
| Noncurrent loans to loans | 0.8066% | 4,296 |
| Net loans and leases to total assets | 66.8395% | 2,443 |
| Net loans and leases to deposits | 75.6077% | 2,936 |
| Net loans and leases to core deposits | 78.2990% | 3,253 |
| Total domestic deposits to total assets | 88.4030% | 1,986 |
| Equity capital to assets | 11.2749% | 2,495 |
| Core capital (leverage) ratio | 10.7727% | 2,597 |
| Tier 1 risk-based capital ratio | 14.0301% | 4,402 |
| Total risk-based capital ratio | 15.2800% | 4,361 |
| Memoranda: | ||
| Average total assets | $70,083,330 | 5,566 |
| Average earning assets | $64,599,670 | 5,541 |
| Average equity | $7,940,670 | 5,446 |
| Average total loans | $45,324,670 | 5,216 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8888% | 1,113 |
| Cost of funding earning assets | 0.6342% | 2,803 |
| Net interest margin | 4.2546% | 1,061 |
| Noninterest income to average assets | 0.6638% | 2,798 |
| Noninterest expense to average assets | 3.6594% | 1,318 |
| Loan and lease loss provision to assets | 0.1362% | 2,541 |
| Net operating income to assets | 0.7886% | 3,227 |
| Return on assets (ROA) | 0.7886% | 3,358 |
| Pretax return on assets | 0.7886% | 4,216 |
| Return on Equity (ROE) | 6.9435% | 3,520 |
| Retained earnings to average equity (ytd only) | 6.9435% | 2,181 |
| Net charge-offs to loans | -0.0719% | 6,290 |
| Credit loss provision to net charge-offs | -300.0000% | 5,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9703% | 2,614 |
| Assets per employee ($millions) | 2.4959% | 6,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 5,115 |
| Loan loss allowance to noncurrent loans | 146.1929% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.7695% | 4,454 |
| Noncurrent loans to loans | 0.8308% | 4,463 |
| Net loans and leases to total assets | 64.7283% | 2,577 |
| Net loans and leases to deposits | 73.0415% | 3,042 |
| Net loans and leases to core deposits | 75.5138% | 3,384 |
| Total domestic deposits to total assets | 88.6186% | 1,918 |
| Equity capital to assets | 11.1341% | 2,808 |
| Core capital (leverage) ratio | 10.6792% | 2,566 |
| Tier 1 risk-based capital ratio | 13.5313% | 4,850 |
| Total risk-based capital ratio | 14.5784% | 4,942 |
| Memoranda: | ||
| Average total assets | $70,504,000 | 5,612 |
| Average earning assets | $64,964,500 | 5,581 |
| Average equity | $8,007,500 | 5,483 |
| Average total loans | $44,493,000 | 5,281 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1855% | 1,147 |
| Cost of funding earning assets | 0.6943% | 3,538 |
| Net interest margin | 4.4912% | 960 |
| Noninterest income to average assets | 0.7824% | 2,340 |
| Noninterest expense to average assets | 4.0880% | 872 |
| Loan and lease loss provision to assets | 0.1470% | 3,766 |
| Net operating income to assets | 0.6476% | 3,999 |
| Return on assets (ROA) | 0.7395% | 3,804 |
| Pretax return on assets | 0.7395% | 4,521 |
| Return on Equity (ROE) | 6.1856% | 4,070 |
| Retained earnings to average equity (ytd only) | 6.1856% | 1,978 |
| Net charge-offs to loans | 0.6422% | 1,828 |
| Credit loss provision to net charge-offs | 37.2093% | 4,985 |
| Earnings coverage of net charge-offs (x) | 2.0116% | 4,407 |
| Efficiency ratio | 81.8438% | 1,886 |
| Assets per employee ($millions) | 2.3664% | 6,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3090% | 4,591 |
| Loan loss allowance to noncurrent loans | 134.6535% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.8262% | 4,412 |
| Noncurrent loans to loans | 0.9721% | 4,252 |
| Net loans and leases to total assets | 59.7651% | 3,644 |
| Net loans and leases to deposits | 67.7620% | 4,015 |
| Net loans and leases to core deposits | 70.1927% | 4,283 |
| Total domestic deposits to total assets | 88.1985% | 2,095 |
| Equity capital to assets | 11.5931% | 2,354 |
| Core capital (leverage) ratio | 10.7222% | 2,520 |
| Tier 1 risk-based capital ratio | 14.5935% | 3,964 |
| Total risk-based capital ratio | 15.6828% | 4,027 |
| Memoranda: | ||
| Average total assets | $65,313,200 | 5,772 |
| Average earning assets | $59,628,200 | 5,759 |
| Average equity | $7,808,400 | 5,555 |
| Average total loans | $40,176,200 | 5,496 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1955% | 1,206 |
| Cost of funding earning assets | 0.7098% | 3,681 |
| Net interest margin | 4.4857% | 1,018 |
| Noninterest income to average assets | 0.7485% | 2,493 |
| Noninterest expense to average assets | 4.1518% | 770 |
| Loan and lease loss provision to assets | 0.1985% | 3,096 |
| Net operating income to assets | 0.4880% | 4,889 |
| Return on assets (ROA) | 0.5107% | 5,063 |
| Pretax return on assets | 0.5107% | 5,437 |
| Return on Equity (ROE) | 4.2377% | 5,178 |
| Retained earnings to average equity (ytd only) | 4.2377% | 3,912 |
| Net charge-offs to loans | 0.8636% | 1,272 |
| Credit loss provision to net charge-offs | 37.2093% | 4,675 |
| Earnings coverage of net charge-offs (x) | 1.2868% | 4,645 |
| Efficiency ratio | 83.8889% | 1,602 |
| Assets per employee ($millions) | 2.3155% | 6,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3393% | 4,634 |
| Loan loss allowance to noncurrent loans | 93.3105% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 1.1407% | 4,006 |
| Noncurrent loans to loans | 1.4354% | 3,652 |
| Net loans and leases to total assets | 59.6768% | 3,846 |
| Net loans and leases to deposits | 67.9779% | 4,184 |
| Net loans and leases to core deposits | 69.8343% | 4,516 |
| Total domestic deposits to total assets | 87.7885% | 2,181 |
| Equity capital to assets | 11.8049% | 2,426 |
| Core capital (leverage) ratio | 10.6641% | 2,743 |
| Tier 1 risk-based capital ratio | 14.2156% | 4,371 |
| Total risk-based capital ratio | 15.3144% | 4,438 |
| Memoranda: | ||
| Average total assets | $64,484,750 | 5,865 |
| Average earning assets | $58,792,500 | 5,847 |
| Average equity | $7,771,500 | 5,619 |
| Average total loans | $39,830,500 | 5,580 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2863% | 1,084 |
| Cost of funding earning assets | 0.7053% | 3,970 |
| Net interest margin | 4.5810% | 861 |
| Noninterest income to average assets | 0.7956% | 2,205 |
| Noninterest expense to average assets | 4.2738% | 668 |
| Loan and lease loss provision to assets | 0.2264% | 2,811 |
| Net operating income to assets | 0.4623% | 4,990 |
| Return on assets (ROA) | 0.4969% | 5,086 |
| Pretax return on assets | 0.4969% | 5,439 |
| Return on Equity (ROE) | 4.0934% | 5,218 |
| Retained earnings to average equity (ytd only) | 4.0934% | 3,881 |
| Net charge-offs to loans | 1.3900% | 737 |
| Credit loss provision to net charge-offs | 26.1818% | 4,502 |
| Earnings coverage of net charge-offs (x) | 0.7964% | 4,657 |
| Efficiency ratio | 84.2205% | 1,603 |
| Assets per employee ($millions) | 2.2501% | 6,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2724% | 5,024 |
| Loan loss allowance to noncurrent loans | 73.3236% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 1.3317% | 3,776 |
| Noncurrent loans to loans | 1.7353% | 3,298 |
| Net loans and leases to total assets | 59.8109% | 3,863 |
| Net loans and leases to deposits | 68.2838% | 4,154 |
| Net loans and leases to core deposits | 70.2061% | 4,516 |
| Total domestic deposits to total assets | 87.5916% | 2,405 |
| Equity capital to assets | 12.0667% | 2,100 |
| Core capital (leverage) ratio | 10.6808% | 2,626 |
| Tier 1 risk-based capital ratio | 14.7843% | 3,903 |
| Total risk-based capital ratio | 15.8568% | 3,992 |
| Memoranda: | ||
| Average total assets | $63,596,330 | 5,928 |
| Average earning assets | $57,847,330 | 5,913 |
| Average equity | $7,719,670 | 5,650 |
| Average total loans | $39,568,330 | 5,625 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3036% | 1,089 |
| Cost of funding earning assets | 0.7146% | 4,157 |
| Net interest margin | 4.5890% | 839 |
| Noninterest income to average assets | 0.8348% | 2,014 |
| Noninterest expense to average assets | 4.2379% | 707 |
| Loan and lease loss provision to assets | 0.2294% | 2,653 |
| Net operating income to assets | 0.5417% | 4,642 |
| Return on assets (ROA) | 0.6118% | 4,507 |
| Pretax return on assets | 0.6118% | 5,077 |
| Return on Equity (ROE) | 5.0245% | 4,775 |
| Retained earnings to average equity (ytd only) | 5.0245% | 3,545 |
| Net charge-offs to loans | 2.5160% | 327 |
| Credit loss provision to net charge-offs | 14.4578% | 3,846 |
| Earnings coverage of net charge-offs (x) | 0.4859% | 4,097 |
| Efficiency ratio | 82.6972% | 1,845 |
| Assets per employee ($millions) | 2.2162% | 7,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 5,323 |
| Loan loss allowance to noncurrent loans | 67.0748% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 1.4283% | 3,718 |
| Noncurrent loans to loans | 1.8478% | 3,345 |
| Net loans and leases to total assets | 61.1240% | 3,424 |
| Net loans and leases to deposits | 69.5950% | 3,789 |
| Net loans and leases to core deposits | 72.0363% | 4,150 |
| Total domestic deposits to total assets | 87.8281% | 2,434 |
| Equity capital to assets | 11.9012% | 2,111 |
| Core capital (leverage) ratio | 11.0353% | 2,233 |
| Tier 1 risk-based capital ratio | 14.7439% | 3,931 |
| Total risk-based capital ratio | 15.8038% | 4,020 |
| Memoranda: | ||
| Average total assets | $62,767,500 | 5,987 |
| Average earning assets | $57,093,500 | 5,970 |
| Average equity | $7,642,500 | 5,701 |
| Average total loans | $39,586,500 | 5,661 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2346% | 1,933 |
| Cost of funding earning assets | 0.8914% | 4,181 |
| Net interest margin | 4.3431% | 1,564 |
| Noninterest income to average assets | 0.7465% | 2,355 |
| Noninterest expense to average assets | 4.0351% | 988 |
| Loan and lease loss provision to assets | 0.1133% | 5,172 |
| Net operating income to assets | 0.5424% | 4,265 |
| Return on assets (ROA) | 0.5991% | 4,192 |
| Pretax return on assets | 0.5991% | 4,697 |
| Return on Equity (ROE) | 5.0963% | 4,344 |
| Retained earnings to average equity (ytd only) | 5.0963% | 2,563 |
| Net charge-offs to loans | -0.3245% | 7,251 |
| Credit loss provision to net charge-offs | -59.8291% | 6,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9489% | 1,769 |
| Assets per employee ($millions) | 2.1880% | 7,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7921% | 2,895 |
| Loan loss allowance to noncurrent loans | 29.2582% | 6,240 |
| Noncurrent assets plus other real estate owned to assets | 4.2374% | 1,324 |
| Noncurrent loans to loans | 6.1251% | 796 |
| Net loans and leases to total assets | 63.1513% | 3,367 |
| Net loans and leases to deposits | 72.3254% | 3,753 |
| Net loans and leases to core deposits | 74.3447% | 4,194 |
| Total domestic deposits to total assets | 87.3156% | 2,573 |
| Equity capital to assets | 12.4641% | 1,819 |
| Core capital (leverage) ratio | 10.9712% | 2,292 |
| Tier 1 risk-based capital ratio | 14.1142% | 4,243 |
| Total risk-based capital ratio | 15.3674% | 4,194 |
| Memoranda: | ||
| Average total assets | $61,758,200 | 5,988 |
| Average earning assets | $56,088,800 | 5,976 |
| Average equity | $7,260,200 | 5,791 |
| Average total loans | $36,058,400 | 5,865 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2065% | 2,187 |
| Cost of funding earning assets | 0.9350% | 4,162 |
| Net interest margin | 4.2716% | 1,821 |
| Noninterest income to average assets | 0.7239% | 2,458 |
| Noninterest expense to average assets | 4.0097% | 992 |
| Loan and lease loss provision to assets | 0.1508% | 4,566 |
| Net operating income to assets | 0.4417% | 4,815 |
| Return on assets (ROA) | 0.5171% | 4,655 |
| Pretax return on assets | 0.5171% | 5,105 |
| Return on Equity (ROE) | 4.4652% | 4,785 |
| Retained earnings to average equity (ytd only) | 4.4652% | 3,541 |
| Net charge-offs to loans | -0.6132% | 7,355 |
| Credit loss provision to net charge-offs | -43.2099% | 6,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0187% | 1,635 |
| Assets per employee ($millions) | 2.2675% | 7,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0584% | 2,183 |
| Loan loss allowance to noncurrent loans | 33.2743% | 6,073 |
| Noncurrent assets plus other real estate owned to assets | 3.8242% | 1,617 |
| Noncurrent loans to loans | 6.1861% | 886 |
| Net loans and leases to total assets | 56.2820% | 4,799 |
| Net loans and leases to deposits | 64.2513% | 5,133 |
| Net loans and leases to core deposits | 66.1141% | 5,402 |
| Total domestic deposits to total assets | 87.5967% | 2,293 |
| Equity capital to assets | 12.0080% | 2,245 |
| Core capital (leverage) ratio | 10.8407% | 2,530 |
| Tier 1 risk-based capital ratio | 14.2052% | 4,197 |
| Total risk-based capital ratio | 15.4598% | 4,163 |
| Memoranda: | ||
| Average total assets | $61,881,750 | 6,035 |
| Average earning assets | $56,184,250 | 6,022 |
| Average equity | $7,166,250 | 5,854 |
| Average total loans | $35,224,250 | 5,961 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3449% | 1,731 |
| Cost of funding earning assets | 0.9891% | 4,022 |
| Net interest margin | 4.3557% | 1,499 |
| Noninterest income to average assets | 0.6977% | 2,568 |
| Noninterest expense to average assets | 4.1470% | 878 |
| Loan and lease loss provision to assets | 0.1956% | 3,974 |
| Net operating income to assets | 0.3032% | 5,363 |
| Return on assets (ROA) | 0.4173% | 5,020 |
| Pretax return on assets | 0.4173% | 5,342 |
| Return on Equity (ROE) | 3.6500% | 5,092 |
| Retained earnings to average equity (ytd only) | 3.6500% | 3,905 |
| Net charge-offs to loans | -0.4712% | 7,396 |
| Credit loss provision to net charge-offs | -73.1707% | 6,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1579% | 1,497 |
| Assets per employee ($millions) | 2.0432% | 7,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9415% | 2,534 |
| Loan loss allowance to noncurrent loans | 29.2867% | 6,299 |
| Noncurrent assets plus other real estate owned to assets | 4.1242% | 1,548 |
| Noncurrent loans to loans | 6.6295% | 824 |
| Net loans and leases to total assets | 54.4636% | 5,224 |
| Net loans and leases to deposits | 62.0544% | 5,496 |
| Net loans and leases to core deposits | 63.9136% | 5,730 |
| Total domestic deposits to total assets | 87.7676% | 2,304 |
| Equity capital to assets | 11.8686% | 2,197 |
| Core capital (leverage) ratio | 10.6564% | 2,563 |
| Tier 1 risk-based capital ratio | 14.8038% | 3,609 |
| Total risk-based capital ratio | 16.0569% | 3,579 |
| Memoranda: | ||
| Average total assets | $61,345,330 | 6,095 |
| Average earning assets | $55,604,670 | 6,096 |
| Average equity | $7,013,670 | 5,925 |
| Average total loans | $34,804,000 | 6,036 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4282% | 1,484 |
| Cost of funding earning assets | 1.0281% | 3,999 |
| Net interest margin | 4.4001% | 1,276 |
| Noninterest income to average assets | 0.7952% | 2,053 |
| Noninterest expense to average assets | 4.2040% | 814 |
| Loan and lease loss provision to assets | 0.1955% | 3,670 |
| Net operating income to assets | 0.3846% | 5,014 |
| Return on assets (ROA) | 0.3846% | 5,100 |
| Pretax return on assets | 0.3846% | 5,388 |
| Return on Equity (ROE) | 3.4287% | 5,177 |
| Retained earnings to average equity (ytd only) | 3.4287% | 4,131 |
| Net charge-offs to loans | -0.4320% | 7,390 |
| Credit loss provision to net charge-offs | -78.9474% | 5,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8311% | 1,731 |
| Assets per employee ($millions) | 2.0020% | 7,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6689% | 3,451 |
| Loan loss allowance to noncurrent loans | 25.9276% | 6,513 |
| Noncurrent assets plus other real estate owned to assets | 4.0958% | 1,631 |
| Noncurrent loans to loans | 6.4369% | 942 |
| Net loans and leases to total assets | 57.5831% | 4,707 |
| Net loans and leases to deposits | 65.3583% | 5,070 |
| Net loans and leases to core deposits | 67.3463% | 5,378 |
| Total domestic deposits to total assets | 88.1038% | 2,314 |
| Equity capital to assets | 11.5799% | 2,204 |
| Core capital (leverage) ratio | 10.4287% | 2,675 |
| Tier 1 risk-based capital ratio | 14.3267% | 3,850 |
| Total risk-based capital ratio | 15.5776% | 3,811 |
| Memoranda: | ||
| Average total assets | $61,370,000 | 6,142 |
| Average earning assets | $55,635,000 | 6,139 |
| Average equity | $6,883,000 | 5,959 |
| Average total loans | $35,183,500 | 6,070 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2984% | 3,137 |
| Cost of funding earning assets | 1.1200% | 5,021 |
| Net interest margin | 4.1785% | 2,265 |
| Noninterest income to average assets | 0.8873% | 1,894 |
| Noninterest expense to average assets | 4.2355% | 869 |
| Loan and lease loss provision to assets | 0.1622% | 5,592 |
| Net operating income to assets | 0.2904% | 4,967 |
| Return on assets (ROA) | 0.3115% | 5,068 |
| Pretax return on assets | 0.3115% | 5,202 |
| Return on Equity (ROE) | 2.7400% | 5,063 |
| Retained earnings to average equity (ytd only) | 2.7400% | 3,939 |
| Net charge-offs to loans | 1.6302% | 1,326 |
| Credit loss provision to net charge-offs | 17.6991% | 6,574 |
| Earnings coverage of net charge-offs (x) | 0.4938% | 5,620 |
| Efficiency ratio | 88.2699% | 1,460 |
| Assets per employee ($millions) | 2.0893% | 7,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4746% | 4,157 |
| Loan loss allowance to noncurrent loans | 20.3929% | 6,794 |
| Noncurrent assets plus other real estate owned to assets | 4.0891% | 1,653 |
| Noncurrent loans to loans | 7.2311% | 762 |
| Net loans and leases to total assets | 55.3232% | 5,439 |
| Net loans and leases to deposits | 62.2583% | 5,829 |
| Net loans and leases to core deposits | 66.1264% | 5,863 |
| Total domestic deposits to total assets | 88.8607% | 1,738 |
| Equity capital to assets | 10.8665% | 2,802 |
| Core capital (leverage) ratio | 10.1556% | 2,921 |
| Tier 1 risk-based capital ratio | 14.0970% | 3,811 |
| Total risk-based capital ratio | 15.2553% | 3,835 |
| Memoranda: | ||
| Average total assets | $61,645,000 | 6,144 |
| Average earning assets | $56,073,200 | 6,130 |
| Average equity | $7,007,200 | 6,032 |
| Average total loans | $34,658,200 | 6,170 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3502% | 3,119 |
| Cost of funding earning assets | 1.1336% | 5,229 |
| Net interest margin | 4.2165% | 2,160 |
| Noninterest income to average assets | 0.9122% | 1,753 |
| Noninterest expense to average assets | 4.2419% | 786 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4996% | 4,318 |
| Return on assets (ROA) | 0.5278% | 4,368 |
| Pretax return on assets | 0.5278% | 4,827 |
| Return on Equity (ROE) | 4.5915% | 4,505 |
| Retained earnings to average equity (ytd only) | 4.5915% | 3,269 |
| Net charge-offs to loans | 0.9500% | 2,094 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 0.9350% | 5,130 |
| Efficiency ratio | 87.4027% | 1,501 |
| Assets per employee ($millions) | 2.0493% | 7,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1929% | 1,825 |
| Loan loss allowance to noncurrent loans | 25.9859% | 6,574 |
| Noncurrent assets plus other real estate owned to assets | 4.6454% | 1,438 |
| Noncurrent loans to loans | 8.4388% | 591 |
| Net loans and leases to total assets | 53.5394% | 5,912 |
| Net loans and leases to deposits | 60.9533% | 6,219 |
| Net loans and leases to core deposits | 65.0103% | 6,209 |
| Total domestic deposits to total assets | 87.8367% | 2,063 |
| Equity capital to assets | 11.7209% | 2,344 |
| Core capital (leverage) ratio | 9.9422% | 3,306 |
| Tier 1 risk-based capital ratio | 14.8083% | 3,337 |
| Total risk-based capital ratio | 16.0648% | 3,316 |
| Memoranda: | ||
| Average total assets | $61,386,500 | 6,212 |
| Average earning assets | $55,747,500 | 6,205 |
| Average equity | $7,056,250 | 6,092 |
| Average total loans | $34,524,000 | 6,262 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3866% | 3,028 |
| Cost of funding earning assets | 1.1168% | 5,588 |
| Net interest margin | 4.2698% | 1,891 |
| Noninterest income to average assets | 0.9192% | 1,622 |
| Noninterest expense to average assets | 4.2181% | 799 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5770% | 3,966 |
| Return on assets (ROA) | 0.6193% | 3,920 |
| Pretax return on assets | 0.6193% | 4,511 |
| Return on Equity (ROE) | 5.4237% | 4,081 |
| Retained earnings to average equity (ytd only) | 5.4237% | 2,661 |
| Net charge-offs to loans | 1.3041% | 1,460 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 0.7797% | 4,982 |
| Efficiency ratio | 85.9279% | 1,712 |
| Assets per employee ($millions) | 2.1231% | 7,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1733% | 1,819 |
| Loan loss allowance to noncurrent loans | 26.4131% | 6,584 |
| Noncurrent assets plus other real estate owned to assets | 4.5248% | 1,460 |
| Noncurrent loans to loans | 8.2281% | 622 |
| Net loans and leases to total assets | 53.4980% | 6,047 |
| Net loans and leases to deposits | 60.6026% | 6,357 |
| Net loans and leases to core deposits | 65.7045% | 6,269 |
| Total domestic deposits to total assets | 88.2768% | 1,837 |
| Equity capital to assets | 11.3040% | 2,594 |
| Core capital (leverage) ratio | 9.8529% | 3,338 |
| Tier 1 risk-based capital ratio | 14.7675% | 3,278 |
| Total risk-based capital ratio | 16.0247% | 3,246 |
| Memoranda: | ||
| Average total assets | $61,355,330 | 6,251 |
| Average earning assets | $55,694,000 | 6,254 |
| Average equity | $7,006,330 | 6,137 |
| Average total loans | $34,814,000 | 6,295 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4585% | 2,788 |
| Cost of funding earning assets | 1.0844% | 5,975 |
| Net interest margin | 4.3741% | 1,462 |
| Noninterest income to average assets | 0.8042% | 2,001 |
| Noninterest expense to average assets | 4.3332% | 695 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4386% | 4,672 |
| Return on assets (ROA) | 0.5184% | 4,441 |
| Pretax return on assets | 0.5184% | 4,900 |
| Return on Equity (ROE) | 4.5155% | 4,650 |
| Retained earnings to average equity (ytd only) | 4.5155% | 3,447 |
| Net charge-offs to loans | 0.1839% | 3,817 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 4.1250% | 2,701 |
| Efficiency ratio | 88.7187% | 1,525 |
| Assets per employee ($millions) | 2.1477% | 7,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7705% | 1,021 |
| Loan loss allowance to noncurrent loans | 31.3167% | 6,326 |
| Noncurrent assets plus other real estate owned to assets | 5.0062% | 1,283 |
| Noncurrent loans to loans | 8.8466% | 560 |
| Net loans and leases to total assets | 54.5446% | 5,953 |
| Net loans and leases to deposits | 61.6675% | 6,307 |
| Net loans and leases to core deposits | 67.3807% | 6,169 |
| Total domestic deposits to total assets | 88.4495% | 1,824 |
| Equity capital to assets | 11.2133% | 2,576 |
| Core capital (leverage) ratio | 10.1730% | 2,957 |
| Tier 1 risk-based capital ratio | 14.6491% | 3,290 |
| Total risk-based capital ratio | 15.9124% | 3,247 |
| Memoranda: | ||
| Average total assets | $60,186,000 | 6,373 |
| Average earning assets | $54,594,000 | 6,377 |
| Average equity | $6,909,500 | 6,217 |
| Average total loans | $34,805,000 | 6,384 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6195% | 3,501 |
| Cost of funding earning assets | 1.3694% | 6,057 |
| Net interest margin | 4.2501% | 1,895 |
| Noninterest income to average assets | 1.0121% | 1,531 |
| Noninterest expense to average assets | 4.6463% | 685 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.1933% | 4,917 |
| Return on assets (ROA) | 0.2866% | 4,670 |
| Pretax return on assets | 0.2866% | 4,798 |
| Return on Equity (ROE) | 2.6263% | 4,649 |
| Retained earnings to average equity (ytd only) | 2.6263% | 3,307 |
| Net charge-offs to loans | 0.4095% | 4,179 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 0.8939% | 5,217 |
| Efficiency ratio | 93.9763% | 1,416 |
| Assets per employee ($millions) | 1.9363% | 7,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8382% | 890 |
| Loan loss allowance to noncurrent loans | 31.3876% | 6,371 |
| Noncurrent assets plus other real estate owned to assets | 5.4675% | 1,075 |
| Noncurrent loans to loans | 9.0424% | 497 |
| Net loans and leases to total assets | 57.9903% | 5,667 |
| Net loans and leases to deposits | 65.9295% | 6,056 |
| Net loans and leases to core deposits | 78.1541% | 6,250 |
| Total domestic deposits to total assets | 87.9581% | 1,989 |
| Equity capital to assets | 11.7664% | 2,158 |
| Core capital (leverage) ratio | 10.1876% | 2,900 |
| Tier 1 risk-based capital ratio | 14.9631% | 2,963 |
| Total risk-based capital ratio | 16.2288% | 2,901 |
| Memoranda: | ||
| Average total assets | $61,059,000 | 6,313 |
| Average earning assets | $54,986,800 | 6,338 |
| Average equity | $6,663,400 | 6,372 |
| Average total loans | $32,235,000 | 6,508 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5571% | 4,109 |
| Cost of funding earning assets | 1.4456% | 6,055 |
| Net interest margin | 4.1115% | 2,351 |
| Noninterest income to average assets | 1.0485% | 1,446 |
| Noninterest expense to average assets | 4.5629% | 688 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.1855% | 5,207 |
| Return on assets (ROA) | 0.3085% | 4,869 |
| Pretax return on assets | 0.3085% | 5,040 |
| Return on Equity (ROE) | 2.8798% | 4,844 |
| Retained earnings to average equity (ytd only) | 2.8798% | 3,717 |
| Net charge-offs to loans | 0.4848% | 3,292 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 0.7478% | 5,294 |
| Efficiency ratio | 94.0482% | 1,396 |
| Assets per employee ($millions) | 2.0165% | 7,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1260% | 601 |
| Loan loss allowance to noncurrent loans | 39.4405% | 5,723 |
| Noncurrent assets plus other real estate owned to assets | 4.3110% | 1,436 |
| Noncurrent loans to loans | 7.9258% | 619 |
| Net loans and leases to total assets | 51.2778% | 6,677 |
| Net loans and leases to deposits | 58.0733% | 6,959 |
| Net loans and leases to core deposits | 69.9128% | 6,969 |
| Total domestic deposits to total assets | 88.2984% | 1,515 |
| Equity capital to assets | 11.2321% | 2,810 |
| Core capital (leverage) ratio | 9.8740% | 3,430 |
| Tier 1 risk-based capital ratio | 15.1669% | 2,969 |
| Total risk-based capital ratio | 16.4322% | 2,900 |
| Memoranda: | ||
| Average total assets | $61,801,500 | 6,317 |
| Average earning assets | $55,615,000 | 6,355 |
| Average equity | $6,620,500 | 6,441 |
| Average total loans | $31,626,250 | 6,586 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5601% | 4,286 |
| Cost of funding earning assets | 1.5135% | 6,084 |
| Net interest margin | 4.0466% | 2,519 |
| Noninterest income to average assets | 1.0412% | 1,463 |
| Noninterest expense to average assets | 4.4411% | 818 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2346% | 5,146 |
| Return on assets (ROA) | 0.4178% | 4,544 |
| Pretax return on assets | 0.4178% | 4,886 |
| Return on Equity (ROE) | 3.9620% | 4,511 |
| Retained earnings to average equity (ytd only) | 3.9620% | 3,079 |
| Net charge-offs to loans | 0.3683% | 3,345 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 1.2586% | 4,589 |
| Efficiency ratio | 92.9210% | 1,574 |
| Assets per employee ($millions) | 1.6921% | 8,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3164% | 445 |
| Loan loss allowance to noncurrent loans | 40.5830% | 5,664 |
| Noncurrent assets plus other real estate owned to assets | 4.4160% | 1,282 |
| Noncurrent loans to loans | 8.1719% | 531 |
| Net loans and leases to total assets | 50.6345% | 6,814 |
| Net loans and leases to deposits | 56.9613% | 7,096 |
| Net loans and leases to core deposits | 68.4829% | 7,099 |
| Total domestic deposits to total assets | 88.8927% | 1,321 |
| Equity capital to assets | 10.6837% | 3,218 |
| Core capital (leverage) ratio | 9.7107% | 3,619 |
| Tier 1 risk-based capital ratio | 15.1901% | 2,940 |
| Total risk-based capital ratio | 16.4583% | 2,864 |
| Memoranda: | ||
| Average total assets | $62,236,670 | 6,363 |
| Average earning assets | $55,898,330 | 6,396 |
| Average equity | $6,562,330 | 6,511 |
| Average total loans | $31,494,330 | 6,642 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5810% | 4,464 |
| Cost of funding earning assets | 1.5511% | 6,228 |
| Net interest margin | 4.0300% | 2,534 |
| Noninterest income to average assets | 0.9476% | 1,652 |
| Noninterest expense to average assets | 4.2991% | 853 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2671% | 5,413 |
| Return on assets (ROA) | 0.2671% | 5,577 |
| Pretax return on assets | 0.2671% | 5,766 |
| Return on Equity (ROE) | 2.5495% | 5,550 |
| Retained earnings to average equity (ytd only) | 2.5495% | 4,458 |
| Net charge-offs to loans | 1.0227% | 1,318 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.5250% | 4,569 |
| Efficiency ratio | 92.0613% | 1,561 |
| Assets per employee ($millions) | 1.8300% | 8,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2941% | 377 |
| Loan loss allowance to noncurrent loans | 38.6856% | 5,969 |
| Noncurrent assets plus other real estate owned to assets | 4.6078% | 1,027 |
| Noncurrent loans to loans | 8.5151% | 400 |
| Net loans and leases to total assets | 48.8814% | 6,953 |
| Net loans and leases to deposits | 54.9515% | 7,225 |
| Net loans and leases to core deposits | 65.7600% | 7,249 |
| Total domestic deposits to total assets | 88.9537% | 1,248 |
| Equity capital to assets | 10.6863% | 3,303 |
| Core capital (leverage) ratio | 9.4453% | 4,050 |
| Tier 1 risk-based capital ratio | 15.1415% | 2,994 |
| Total risk-based capital ratio | 16.4095% | 2,940 |
| Memoranda: | ||
| Average total assets | $62,897,500 | 6,362 |
| Average earning assets | $56,477,000 | 6,400 |
| Average equity | $6,589,500 | 6,549 |
| Average total loans | $31,290,500 | 6,685 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3612% | 3,633 |
| Cost of funding earning assets | 2.1959% | 5,618 |
| Net interest margin | 4.1653% | 2,451 |
| Noninterest income to average assets | 1.0861% | 1,335 |
| Noninterest expense to average assets | 4.6376% | 794 |
| Loan and lease loss provision to assets | 0.5806% | 2,501 |
| Net operating income to assets | -0.4257% | 6,852 |
| Return on assets (ROA) | -0.4257% | 6,725 |
| Pretax return on assets | -0.4257% | 6,570 |
| Return on Equity (ROE) | -4.6378% | 6,826 |
| Retained earnings to average equity (ytd only) | -4.6378% | 6,448 |
| Net charge-offs to loans | 1.3127% | 906 |
| Credit loss provision to net charge-offs | 88.1279% | 5,719 |
| Earnings coverage of net charge-offs (x) | 0.2352% | 6,091 |
| Efficiency ratio | 94.8839% | 1,228 |
| Assets per employee ($millions) | 1.7660% | 8,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5849% | 262 |
| Loan loss allowance to noncurrent loans | 37.4245% | 6,232 |
| Noncurrent assets plus other real estate owned to assets | 4.9972% | 696 |
| Noncurrent loans to loans | 9.5789% | 230 |
| Net loans and leases to total assets | 47.2120% | 7,241 |
| Net loans and leases to deposits | 52.8024% | 7,500 |
| Net loans and leases to core deposits | 64.2761% | 7,433 |
| Total domestic deposits to total assets | 89.4125% | 877 |
| Equity capital to assets | 10.2713% | 3,739 |
| Core capital (leverage) ratio | 9.0534% | 4,668 |
| Tier 1 risk-based capital ratio | 14.8994% | 3,090 |
| Total risk-based capital ratio | 16.1696% | 3,001 |
| Memoranda: | ||
| Average total assets | $66,478,000 | 6,143 |
| Average earning assets | $59,155,200 | 6,216 |
| Average equity | $6,102,000 | 6,767 |
| Average total loans | $33,366,200 | 6,520 |