Home > Armed Forces Bank of California > Performance and Condition Ratios
Armed Forces Bank of California, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2286% | 5,603 |
| Cost of funding earning assets | 0.0978% | 6,216 |
| Net interest margin | 3.1307% | 4,849 |
| Noninterest income to average assets | 12.7592% | 59 |
| Noninterest expense to average assets | 13.2227% | 57 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1466% | 1,715 |
| Return on assets (ROA) | 1.1466% | 1,820 |
| Pretax return on assets | 1.8785% | 745 |
| Return on Equity (ROE) | 3.1778% | 5,309 |
| Retained earnings to average equity (ytd only) | 3.1778% | 4,080 |
| Net charge-offs to loans | 0.6392% | 378 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.4167% | 2,294 |
| Efficiency ratio | 87.5606% | 1,051 |
| Assets per employee ($millions) | 0.5125% | 6,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4444% | 2,714 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 43.8039% | 5,364 |
| Net loans and leases to deposits | 71.8563% | 3,545 |
| Net loans and leases to core deposits | 71.8563% | 3,979 |
| Total domestic deposits to total assets | 60.9604% | 6,311 |
| Equity capital to assets | 37.4221% | 53 |
| Core capital (leverage) ratio | 36.7101% | 52 |
| Tier 1 risk-based capital ratio | 80.6164% | 66 |
| Total risk-based capital ratio | 81.8904% | 67 |
| Memoranda: | ||
| Average total assets | $16,396,000 | 6,364 |
| Average earning assets | $12,265,500 | 6,372 |
| Average equity | $5,916,000 | 5,619 |
| Average total loans | $7,509,000 | 6,297 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6821% | 6,269 |
| Cost of funding earning assets | 0.1150% | 6,273 |
| Net interest margin | 2.5670% | 6,100 |
| Noninterest income to average assets | 13.6528% | 54 |
| Noninterest expense to average assets | 16.2716% | 45 |
| Loan and lease loss provision to assets | 0.2768% | 774 |
| Net operating income to assets | -0.5813% | 6,317 |
| Return on assets (ROA) | -0.5813% | 6,316 |
| Pretax return on assets | -0.9190% | 6,355 |
| Return on Equity (ROE) | -1.7693% | 6,201 |
| Retained earnings to average equity (ytd only) | -1.7693% | 5,989 |
| Net charge-offs to loans | 0.5180% | 790 |
| Credit loss provision to net charge-offs | 142.8571% | 1,664 |
| Earnings coverage of net charge-offs (x) | -3.3143% | 4,865 |
| Efficiency ratio | 104.1091% | 289 |
| Assets per employee ($millions) | 0.4829% | 6,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4329% | 2,787 |
| Loan loss allowance to noncurrent loans | 11,400.0000% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 6,067 |
| Noncurrent loans to loans | 0.0126% | 5,859 |
| Net loans and leases to total assets | 46.3941% | 5,296 |
| Net loans and leases to deposits | 72.7593% | 3,589 |
| Net loans and leases to core deposits | 72.7593% | 4,052 |
| Total domestic deposits to total assets | 63.7638% | 6,358 |
| Equity capital to assets | 34.8222% | 58 |
| Core capital (leverage) ratio | 35.3069% | 56 |
| Tier 1 risk-based capital ratio | 73.2715% | 66 |
| Total risk-based capital ratio | 74.5366% | 66 |
| Memoranda: | ||
| Average total assets | $18,062,200 | 6,433 |
| Average earning assets | $13,907,200 | 6,447 |
| Average equity | $5,934,400 | 5,635 |
| Average total loans | $6,757,400 | 6,400 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5151% | 6,406 |
| Cost of funding earning assets | 0.1118% | 6,370 |
| Net interest margin | 2.4033% | 6,295 |
| Noninterest income to average assets | 14.4795% | 51 |
| Noninterest expense to average assets | 16.4337% | 45 |
| Loan and lease loss provision to assets | 0.3633% | 480 |
| Net operating income to assets | -0.2761% | 6,304 |
| Return on assets (ROA) | -0.2761% | 6,299 |
| Pretax return on assets | -0.4432% | 6,339 |
| Return on Equity (ROE) | -0.8521% | 6,218 |
| Retained earnings to average equity (ytd only) | -0.8521% | 5,944 |
| Net charge-offs to loans | 0.4130% | 959 |
| Credit loss provision to net charge-offs | 250.0000% | 1,043 |
| Earnings coverage of net charge-offs (x) | -0.5501% | 4,506 |
| Efficiency ratio | 100.4887% | 350 |
| Assets per employee ($millions) | 0.3384% | 6,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5734% | 2,402 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 48.6643% | 5,136 |
| Net loans and leases to deposits | 79.0556% | 2,830 |
| Net loans and leases to core deposits | 79.0556% | 3,432 |
| Total domestic deposits to total assets | 61.5570% | 6,472 |
| Equity capital to assets | 35.8258% | 55 |
| Core capital (leverage) ratio | 32.8923% | 59 |
| Tier 1 risk-based capital ratio | 71.5391% | 69 |
| Total risk-based capital ratio | 72.7965% | 68 |
| Memoranda: | ||
| Average total assets | $18,352,000 | 6,509 |
| Average earning assets | $14,313,000 | 6,525 |
| Average equity | $5,946,500 | 5,691 |
| Average total loans | $6,457,750 | 6,483 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2849% | 6,535 |
| Cost of funding earning assets | 0.1196% | 6,412 |
| Net interest margin | 2.1653% | 6,471 |
| Noninterest income to average assets | 14.1804% | 54 |
| Noninterest expense to average assets | 16.6722% | 44 |
| Loan and lease loss provision to assets | 0.1056% | 2,258 |
| Net operating income to assets | -0.5385% | 6,443 |
| Return on assets (ROA) | -0.5385% | 6,446 |
| Pretax return on assets | -0.8764% | 6,498 |
| Return on Equity (ROE) | -1.7148% | 6,312 |
| Retained earnings to average equity (ytd only) | -1.7148% | 5,951 |
| Net charge-offs to loans | 0.2382% | 1,618 |
| Credit loss provision to net charge-offs | 142.8571% | 1,500 |
| Earnings coverage of net charge-offs (x) | -10.4286% | 4,311 |
| Efficiency ratio | 104.8473% | 311 |
| Assets per employee ($millions) | 0.3390% | 6,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6173% | 2,399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 33.8997% | 6,150 |
| Net loans and leases to deposits | 51.0070% | 5,557 |
| Net loans and leases to core deposits | 51.0070% | 5,732 |
| Total domestic deposits to total assets | 66.4609% | 6,471 |
| Equity capital to assets | 32.4355% | 58 |
| Core capital (leverage) ratio | 31.0296% | 60 |
| Tier 1 risk-based capital ratio | 81.9317% | 56 |
| Total risk-based capital ratio | 83.1946% | 56 |
| Memoranda: | ||
| Average total assets | $18,941,670 | 6,572 |
| Average earning assets | $15,055,330 | 6,579 |
| Average equity | $5,948,330 | 5,723 |
| Average total loans | $5,877,330 | 6,562 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2462% | 6,612 |
| Cost of funding earning assets | 0.1045% | 6,552 |
| Net interest margin | 2.1417% | 6,550 |
| Noninterest income to average assets | 14.1429% | 53 |
| Noninterest expense to average assets | 16.6143% | 43 |
| Loan and lease loss provision to assets | 0.2077% | 1,115 |
| Net operating income to assets | -0.6023% | 6,504 |
| Return on assets (ROA) | -0.6023% | 6,503 |
| Pretax return on assets | -0.9761% | 6,555 |
| Return on Equity (ROE) | -1.9483% | 6,352 |
| Retained earnings to average equity (ytd only) | -1.9483% | 5,853 |
| Net charge-offs to loans | 0.4238% | 861 |
| Credit loss provision to net charge-offs | 166.6667% | 1,168 |
| Earnings coverage of net charge-offs (x) | -6.1667% | 3,584 |
| Efficiency ratio | 104.8493% | 351 |
| Assets per employee ($millions) | 0.3371% | 6,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7832% | 2,089 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 29.5253% | 6,370 |
| Net loans and leases to deposits | 43.4480% | 6,001 |
| Net loans and leases to core deposits | 43.4480% | 6,100 |
| Total domestic deposits to total assets | 67.9557% | 6,518 |
| Equity capital to assets | 30.9514% | 68 |
| Core capital (leverage) ratio | 31.7425% | 63 |
| Tier 1 risk-based capital ratio | 87.8316% | 58 |
| Total risk-based capital ratio | 89.0914% | 58 |
| Memoranda: | ||
| Average total assets | $19,260,500 | 6,639 |
| Average earning assets | $15,315,000 | 6,650 |
| Average equity | $5,954,000 | 5,759 |
| Average total loans | $5,662,500 | 6,634 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9460% | 6,716 |
| Cost of funding earning assets | 0.1528% | 6,526 |
| Net interest margin | 1.7933% | 6,688 |
| Noninterest income to average assets | 15.1992% | 47 |
| Noninterest expense to average assets | 15.9198% | 47 |
| Loan and lease loss provision to assets | 0.1029% | 3,081 |
| Net operating income to assets | 1.8632% | 428 |
| Return on assets (ROA) | 1.8632% | 440 |
| Pretax return on assets | 0.5662% | 4,986 |
| Return on Equity (ROE) | 6.3329% | 3,909 |
| Retained earnings to average equity (ytd only) | 6.3329% | 1,784 |
| Net charge-offs to loans | 1.4957% | 316 |
| Credit loss provision to net charge-offs | 29.8507% | 4,255 |
| Earnings coverage of net charge-offs (x) | 1.9403% | 4,402 |
| Efficiency ratio | 95.9665% | 641 |
| Assets per employee ($millions) | 0.3448% | 6,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7841% | 2,115 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 28.2281% | 6,520 |
| Net loans and leases to deposits | 42.0655% | 6,221 |
| Net loans and leases to core deposits | 42.0655% | 6,303 |
| Total domestic deposits to total assets | 67.1052% | 6,611 |
| Equity capital to assets | 30.8748% | 65 |
| Core capital (leverage) ratio | 31.7988% | 61 |
| Tier 1 risk-based capital ratio | 91.7553% | 53 |
| Total risk-based capital ratio | 93.0035% | 53 |
| Memoranda: | ||
| Average total assets | $19,428,600 | 6,711 |
| Average earning assets | $15,056,400 | 6,739 |
| Average equity | $5,716,200 | 5,876 |
| Average total loans | $4,479,400 | 6,744 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8645% | 6,806 |
| Cost of funding earning assets | 0.1606% | 6,593 |
| Net interest margin | 1.7039% | 6,785 |
| Noninterest income to average assets | 15.4715% | 49 |
| Noninterest expense to average assets | 15.9237% | 49 |
| Loan and lease loss provision to assets | 0.1371% | 2,573 |
| Net operating income to assets | 0.4385% | 5,076 |
| Return on assets (ROA) | 0.4385% | 5,222 |
| Pretax return on assets | 0.7195% | 4,613 |
| Return on Equity (ROE) | 1.5089% | 6,073 |
| Retained earnings to average equity (ytd only) | 1.5089% | 5,377 |
| Net charge-offs to loans | 1.5195% | 302 |
| Credit loss provision to net charge-offs | 41.6667% | 3,675 |
| Earnings coverage of net charge-offs (x) | 2.6041% | 3,972 |
| Efficiency ratio | 94.8959% | 684 |
| Assets per employee ($millions) | 0.3394% | 6,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4013% | 1,047 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 25.6896% | 6,655 |
| Net loans and leases to deposits | 38.4079% | 6,431 |
| Net loans and leases to core deposits | 38.4079% | 6,489 |
| Total domestic deposits to total assets | 66.8863% | 6,686 |
| Equity capital to assets | 30.3444% | 61 |
| Core capital (leverage) ratio | 29.4721% | 62 |
| Tier 1 risk-based capital ratio | 87.3783% | 49 |
| Total risk-based capital ratio | 88.6297% | 49 |
| Memoranda: | ||
| Average total assets | $19,459,000 | 6,785 |
| Average earning assets | $14,945,750 | 6,816 |
| Average equity | $5,655,000 | 5,958 |
| Average total loans | $4,212,000 | 6,823 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7637% | 6,862 |
| Cost of funding earning assets | 0.1579% | 6,683 |
| Net interest margin | 1.6058% | 6,843 |
| Noninterest income to average assets | 15.1909% | 50 |
| Noninterest expense to average assets | 15.9920% | 46 |
| Loan and lease loss provision to assets | 0.1014% | 3,103 |
| Net operating income to assets | 0.2028% | 5,878 |
| Return on assets (ROA) | 0.2028% | 6,012 |
| Pretax return on assets | 0.3346% | 5,787 |
| Return on Equity (ROE) | 0.7078% | 6,274 |
| Retained earnings to average equity (ytd only) | 0.7078% | 5,616 |
| Net charge-offs to loans | 1.1061% | 539 |
| Credit loss provision to net charge-offs | 45.4545% | 3,306 |
| Earnings coverage of net charge-offs (x) | 1.9545% | 3,867 |
| Efficiency ratio | 97.3457% | 602 |
| Assets per employee ($millions) | 0.3548% | 6,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0854% | 536 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 21.9665% | 6,765 |
| Net loans and leases to deposits | 32.4618% | 6,648 |
| Net loans and leases to core deposits | 32.4618% | 6,674 |
| Total domestic deposits to total assets | 67.6687% | 6,726 |
| Equity capital to assets | 29.3878% | 62 |
| Core capital (leverage) ratio | 28.1805% | 62 |
| Tier 1 risk-based capital ratio | 91.9561% | 48 |
| Total risk-based capital ratio | 93.2339% | 48 |
| Memoranda: | ||
| Average total assets | $19,722,330 | 6,827 |
| Average earning assets | $15,195,330 | 6,860 |
| Average equity | $5,651,670 | 6,006 |
| Average total loans | $3,978,000 | 6,874 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7697% | 6,939 |
| Cost of funding earning assets | 0.1849% | 6,648 |
| Net interest margin | 1.5848% | 6,927 |
| Noninterest income to average assets | 14.4178% | 56 |
| Noninterest expense to average assets | 15.8376% | 51 |
| Loan and lease loss provision to assets | 0.2000% | 1,861 |
| Net operating income to assets | -0.2600% | 6,554 |
| Return on assets (ROA) | -0.2600% | 6,587 |
| Pretax return on assets | -0.4199% | 6,644 |
| Return on Equity (ROE) | -0.9184% | 6,495 |
| Retained earnings to average equity (ytd only) | -0.9184% | 5,940 |
| Net charge-offs to loans | 1.0539% | 575 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | -1.1000% | 3,974 |
| Efficiency ratio | 101.4085% | 501 |
| Assets per employee ($millions) | 0.3492% | 6,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4987% | 416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 20.5932% | 6,845 |
| Net loans and leases to deposits | 30.1242% | 6,741 |
| Net loans and leases to core deposits | 30.1242% | 6,761 |
| Total domestic deposits to total assets | 68.3610% | 6,798 |
| Equity capital to assets | 28.8878% | 68 |
| Core capital (leverage) ratio | 28.7318% | 65 |
| Tier 1 risk-based capital ratio | 88.1099% | 53 |
| Total risk-based capital ratio | 89.4205% | 53 |
| Memoranda: | ||
| Average total assets | $20,003,000 | 6,898 |
| Average earning assets | $15,144,000 | 6,935 |
| Average equity | $5,662,000 | 6,062 |
| Average total loans | $3,795,500 | 6,954 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6064% | 7,019 |
| Cost of funding earning assets | 0.1811% | 6,871 |
| Net interest margin | 1.4254% | 7,000 |
| Noninterest income to average assets | 15.1644% | 50 |
| Noninterest expense to average assets | 14.9149% | 52 |
| Loan and lease loss provision to assets | 0.6351% | 847 |
| Net operating income to assets | 0.4355% | 4,943 |
| Return on assets (ROA) | 0.4355% | 5,187 |
| Pretax return on assets | 0.7213% | 4,591 |
| Return on Equity (ROE) | 1.7106% | 5,979 |
| Retained earnings to average equity (ytd only) | 1.7106% | 5,007 |
| Net charge-offs to loans | 2.3672% | 272 |
| Credit loss provision to net charge-offs | 189.1892% | 1,383 |
| Earnings coverage of net charge-offs (x) | 4.0405% | 3,501 |
| Efficiency ratio | 91.6643% | 944 |
| Assets per employee ($millions) | 0.3409% | 7,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2715% | 235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 15.9992% | 6,972 |
| Net loans and leases to deposits | 23.0748% | 6,942 |
| Net loans and leases to core deposits | 23.0748% | 6,948 |
| Total domestic deposits to total assets | 69.3365% | 6,811 |
| Equity capital to assets | 27.7493% | 75 |
| Core capital (leverage) ratio | 28.9373% | 65 |
| Tier 1 risk-based capital ratio | 100.9020% | 52 |
| Total risk-based capital ratio | 102.2371% | 51 |
| Memoranda: | ||
| Average total assets | $22,045,000 | 6,930 |
| Average earning assets | $17,118,600 | 6,953 |
| Average equity | $5,612,000 | 6,121 |
| Average total loans | $3,126,000 | 7,034 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5665% | 7,131 |
| Cost of funding earning assets | 0.1825% | 6,980 |
| Net interest margin | 1.3840% | 7,118 |
| Noninterest income to average assets | 15.1191% | 50 |
| Noninterest expense to average assets | 14.7329% | 53 |
| Loan and lease loss provision to assets | 0.8020% | 586 |
| Net operating income to assets | 0.4039% | 5,233 |
| Return on assets (ROA) | 0.4039% | 5,458 |
| Pretax return on assets | 0.6654% | 4,968 |
| Return on Equity (ROE) | 1.6200% | 6,122 |
| Retained earnings to average equity (ytd only) | 1.6200% | 5,524 |
| Net charge-offs to loans | 2.8385% | 200 |
| Credit loss provision to net charge-offs | 207.6923% | 1,332 |
| Earnings coverage of net charge-offs (x) | 3.8003% | 3,505 |
| Efficiency ratio | 90.9424% | 966 |
| Assets per employee ($millions) | 0.3414% | 7,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4247% | 496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 22.5300% | 6,996 |
| Net loans and leases to deposits | 33.4705% | 6,877 |
| Net loans and leases to core deposits | 33.4705% | 6,909 |
| Total domestic deposits to total assets | 67.3129% | 6,943 |
| Equity capital to assets | 30.1411% | 68 |
| Core capital (leverage) ratio | 28.9415% | 68 |
| Tier 1 risk-based capital ratio | 83.2436% | 59 |
| Total risk-based capital ratio | 84.5751% | 58 |
| Memoranda: | ||
| Average total assets | $22,443,500 | 7,010 |
| Average earning assets | $17,533,500 | 7,040 |
| Average equity | $5,596,250 | 6,193 |
| Average total loans | $3,053,000 | 7,130 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3610% | 7,210 |
| Cost of funding earning assets | 0.1701% | 7,076 |
| Net interest margin | 1.1909% | 7,199 |
| Noninterest income to average assets | 14.4425% | 54 |
| Noninterest expense to average assets | 14.0284% | 58 |
| Loan and lease loss provision to assets | 0.7606% | 684 |
| Net operating income to assets | 0.3634% | 5,363 |
| Return on assets (ROA) | 0.3634% | 5,588 |
| Pretax return on assets | 0.6000% | 5,133 |
| Return on Equity (ROE) | 1.5425% | 6,184 |
| Retained earnings to average equity (ytd only) | 1.5425% | 5,436 |
| Net charge-offs to loans | 3.1410% | 179 |
| Credit loss provision to net charge-offs | 219.5122% | 1,297 |
| Earnings coverage of net charge-offs (x) | 3.9268% | 3,230 |
| Efficiency ratio | 91.1587% | 983 |
| Assets per employee ($millions) | 0.3574% | 7,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9113% | 861 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 21.1183% | 7,067 |
| Net loans and leases to deposits | 30.2001% | 7,003 |
| Net loans and leases to core deposits | 30.2001% | 7,016 |
| Total domestic deposits to total assets | 69.9278% | 6,909 |
| Equity capital to assets | 27.5686% | 75 |
| Core capital (leverage) ratio | 23.1757% | 114 |
| Tier 1 risk-based capital ratio | 81.3363% | 57 |
| Total risk-based capital ratio | 82.6579% | 56 |
| Memoranda: | ||
| Average total assets | $23,666,330 | 7,047 |
| Average earning assets | $18,809,330 | 7,074 |
| Average equity | $5,575,330 | 6,222 |
| Average total loans | $2,610,670 | 7,198 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1703% | 7,281 |
| Cost of funding earning assets | 0.1755% | 7,141 |
| Net interest margin | 0.9948% | 7,272 |
| Noninterest income to average assets | 13.1311% | 60 |
| Noninterest expense to average assets | 13.1469% | 57 |
| Loan and lease loss provision to assets | 0.4740% | 1,290 |
| Net operating income to assets | 0.1896% | 6,014 |
| Return on assets (ROA) | 0.1896% | 6,157 |
| Pretax return on assets | 0.3160% | 5,942 |
| Return on Equity (ROE) | 0.8641% | 6,379 |
| Retained earnings to average equity (ytd only) | 0.8641% | 5,719 |
| Net charge-offs to loans | 4.7045% | 110 |
| Credit loss provision to net charge-offs | 150.0000% | 1,667 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,167 |
| Efficiency ratio | 94.3311% | 805 |
| Assets per employee ($millions) | 0.4366% | 7,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3476% | 131 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 6.4017% | 7,255 |
| Net loans and leases to deposits | 8.4721% | 7,259 |
| Net loans and leases to core deposits | 8.4721% | 7,251 |
| Total domestic deposits to total assets | 75.5626% | 6,589 |
| Equity capital to assets | 22.3638% | 137 |
| Core capital (leverage) ratio | 22.1654% | 127 |
| Tier 1 risk-based capital ratio | 145.2795% | 36 |
| Total risk-based capital ratio | 146.6245% | 36 |
| Memoranda: | ||
| Average total assets | $25,314,000 | 7,067 |
| Average earning assets | $20,507,500 | 7,107 |
| Average equity | $5,555,000 | 6,257 |
| Average total loans | $1,700,500 | 7,263 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2330% | 7,321 |
| Cost of funding earning assets | 0.2508% | 7,176 |
| Net interest margin | 0.9822% | 7,319 |
| Noninterest income to average assets | 19.0220% | 33 |
| Noninterest expense to average assets | 16.5467% | 38 |
| Loan and lease loss provision to assets | 0.1541% | 4,695 |
| Net operating income to assets | 1.8539% | 421 |
| Return on assets (ROA) | 1.8539% | 453 |
| Pretax return on assets | 3.0454% | 120 |
| Return on Equity (ROE) | 6.7745% | 3,504 |
| Retained earnings to average equity (ytd only) | 6.7745% | 1,603 |
| Net charge-offs to loans | 8.0656% | 15 |
| Credit loss provision to net charge-offs | 24.5902% | 5,860 |
| Earnings coverage of net charge-offs (x) | 5.1066% | 2,896 |
| Efficiency ratio | 83.7971% | 1,786 |
| Assets per employee ($millions) | 0.4363% | 7,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6566% | 226 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 6.3626% | 7,303 |
| Net loans and leases to deposits | 8.3312% | 7,305 |
| Net loans and leases to core deposits | 8.3312% | 7,297 |
| Total domestic deposits to total assets | 76.3712% | 6,434 |
| Equity capital to assets | 21.5390% | 168 |
| Core capital (leverage) ratio | 24.9501% | 102 |
| Tier 1 risk-based capital ratio | 142.2619% | 38 |
| Total risk-based capital ratio | 143.6335% | 38 |
| Memoranda: | ||
| Average total assets | $19,472,200 | 7,213 |
| Average earning assets | $14,355,400 | 7,256 |
| Average equity | $5,328,800 | 6,341 |
| Average total loans | $1,512,600 | 7,312 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2675% | 7,399 |
| Cost of funding earning assets | 0.2828% | 7,234 |
| Net interest margin | 0.9847% | 7,393 |
| Noninterest income to average assets | 20.8661% | 34 |
| Noninterest expense to average assets | 18.0511% | 37 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.1373% | 276 |
| Return on assets (ROA) | 2.1373% | 297 |
| Pretax return on assets | 3.5149% | 106 |
| Return on Equity (ROE) | 7.2546% | 3,400 |
| Retained earnings to average equity (ytd only) | 7.2546% | 1,835 |
| Net charge-offs to loans | 8.1204% | 23 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 5.3036% | 2,823 |
| Efficiency ratio | 83.7017% | 1,759 |
| Assets per employee ($millions) | 0.3493% | 7,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7645% | 50 |
| Loan loss allowance to noncurrent loans | 4,150.0000% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 7,042 |
| Noncurrent loans to loans | 0.1630% | 6,543 |
| Net loans and leases to total assets | 5.9543% | 7,379 |
| Net loans and leases to deposits | 8.6884% | 7,380 |
| Net loans and leases to core deposits | 8.6884% | 7,369 |
| Total domestic deposits to total assets | 68.5317% | 7,113 |
| Equity capital to assets | 28.4651% | 90 |
| Core capital (leverage) ratio | 29.0887% | 84 |
| Tier 1 risk-based capital ratio | 171.7770% | 37 |
| Total risk-based capital ratio | 173.1707% | 37 |
| Memoranda: | ||
| Average total assets | $17,904,250 | 7,321 |
| Average earning assets | $12,728,000 | 7,364 |
| Average equity | $5,274,750 | 6,411 |
| Average total loans | $1,461,250 | 7,387 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2622% | 7,476 |
| Cost of funding earning assets | 0.2787% | 7,338 |
| Net interest margin | 0.9835% | 7,473 |
| Noninterest income to average assets | 20.2313% | 36 |
| Noninterest expense to average assets | 17.9070% | 39 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.8319% | 469 |
| Return on assets (ROA) | 1.8319% | 500 |
| Pretax return on assets | 3.0112% | 141 |
| Return on Equity (ROE) | 6.1420% | 3,891 |
| Retained earnings to average equity (ytd only) | 6.1420% | 2,335 |
| Net charge-offs to loans | 6.6263% | 65 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 5.1569% | 2,680 |
| Efficiency ratio | 85.6048% | 1,638 |
| Assets per employee ($millions) | 0.3081% | 7,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6972% | 35 |
| Loan loss allowance to noncurrent loans | 12,100.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 7,119 |
| Noncurrent loans to loans | 0.0636% | 6,827 |
| Net loans and leases to total assets | 8.2636% | 7,447 |
| Net loans and leases to deposits | 12.3700% | 7,451 |
| Net loans and leases to core deposits | 12.3700% | 7,440 |
| Total domestic deposits to total assets | 66.8033% | 7,240 |
| Equity capital to assets | 30.2352% | 82 |
| Core capital (leverage) ratio | 28.6294% | 89 |
| Tier 1 risk-based capital ratio | 149.1970% | 41 |
| Total risk-based capital ratio | 150.5213% | 41 |
| Memoranda: | ||
| Average total assets | $17,468,000 | 7,397 |
| Average earning assets | $12,201,000 | 7,442 |
| Average equity | $5,210,000 | 6,463 |
| Average total loans | $1,539,330 | 7,463 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3194% | 7,538 |
| Cost of funding earning assets | 0.3045% | 7,384 |
| Net interest margin | 1.0149% | 7,532 |
| Noninterest income to average assets | 19.3772% | 39 |
| Noninterest expense to average assets | 18.4818% | 41 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9643% | 2,299 |
| Return on assets (ROA) | 0.9643% | 2,366 |
| Pretax return on assets | 1.5842% | 1,228 |
| Return on Equity (ROE) | 3.2555% | 5,259 |
| Retained earnings to average equity (ytd only) | 3.2555% | 4,225 |
| Net charge-offs to loans | 6.0407% | 110 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,881 |
| Efficiency ratio | 92.1053% | 1,157 |
| Assets per employee ($millions) | 0.3113% | 7,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.3888% | 26 |
| Loan loss allowance to noncurrent loans | 7,450.0000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 2.2488% | 3,007 |
| Noncurrent loans to loans | 0.1260% | 6,733 |
| Net loans and leases to total assets | 8.3995% | 7,506 |
| Net loans and leases to deposits | 12.5491% | 7,507 |
| Net loans and leases to core deposits | 12.5491% | 7,498 |
| Total domestic deposits to total assets | 66.9334% | 7,301 |
| Equity capital to assets | 30.2629% | 77 |
| Core capital (leverage) ratio | 28.4708% | 84 |
| Tier 1 risk-based capital ratio | 150.7280% | 39 |
| Total risk-based capital ratio | 152.0384% | 39 |
| Memoranda: | ||
| Average total assets | $17,422,500 | 7,454 |
| Average earning assets | $11,823,500 | 7,503 |
| Average equity | $5,160,500 | 6,503 |
| Average total loans | $1,523,000 | 7,523 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7964% | 7,572 |
| Cost of funding earning assets | 0.6728% | 6,949 |
| Net interest margin | 1.1236% | 7,576 |
| Noninterest income to average assets | 19.7962% | 40 |
| Noninterest expense to average assets | 16.2028% | 48 |
| Loan and lease loss provision to assets | 0.1814% | 5,407 |
| Net operating income to assets | 2.5652% | 107 |
| Return on assets (ROA) | 2.5652% | 110 |
| Pretax return on assets | 4.2032% | 67 |
| Return on Equity (ROE) | 8.1492% | 2,645 |
| Retained earnings to average equity (ytd only) | 8.1492% | 938 |
| Net charge-offs to loans | 3.1686% | 505 |
| Credit loss provision to net charge-offs | 34.2857% | 6,458 |
| Earnings coverage of net charge-offs (x) | 8.2857% | 1,988 |
| Efficiency ratio | 78.7026% | 2,578 |
| Assets per employee ($millions) | 0.3282% | 7,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.7889% | 14 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1213% | 3,190 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 7.2609% | 7,593 |
| Net loans and leases to deposits | 10.7690% | 7,597 |
| Net loans and leases to core deposits | 11.2001% | 7,582 |
| Total domestic deposits to total assets | 67.4245% | 7,344 |
| Equity capital to assets | 28.9986% | 86 |
| Core capital (leverage) ratio | 27.4144% | 99 |
| Tier 1 risk-based capital ratio | 160.4688% | 42 |
| Total risk-based capital ratio | 161.8125% | 42 |
| Memoranda: | ||
| Average total assets | $19,842,200 | 7,470 |
| Average earning assets | $13,972,400 | 7,548 |
| Average equity | $6,246,000 | 6,290 |
| Average total loans | $3,313,800 | 7,589 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8605% | 7,699 |
| Cost of funding earning assets | 0.7184% | 7,014 |
| Net interest margin | 1.1421% | 7,696 |
| Noninterest income to average assets | 19.4384% | 39 |
| Noninterest expense to average assets | 15.7340% | 50 |
| Loan and lease loss provision to assets | 0.2291% | 4,785 |
| Net operating income to assets | 2.6114% | 122 |
| Return on assets (ROA) | 2.6114% | 129 |
| Pretax return on assets | 4.2869% | 67 |
| Return on Equity (ROE) | 8.1562% | 2,841 |
| Retained earnings to average equity (ytd only) | 8.1562% | 1,369 |
| Net charge-offs to loans | 2.5059% | 675 |
| Credit loss provision to net charge-offs | 49.2958% | 5,896 |
| Earnings coverage of net charge-offs (x) | 9.7188% | 1,978 |
| Efficiency ratio | 77.6988% | 2,663 |
| Assets per employee ($millions) | 0.3209% | 7,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8861% | 65 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3344% | 3,044 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 15.7063% | 7,659 |
| Net loans and leases to deposits | 23.1695% | 7,640 |
| Net loans and leases to core deposits | 27.2593% | 7,605 |
| Total domestic deposits to total assets | 67.7885% | 7,393 |
| Equity capital to assets | 28.4945% | 94 |
| Core capital (leverage) ratio | 26.3600% | 112 |
| Tier 1 risk-based capital ratio | 120.0143% | 51 |
| Total risk-based capital ratio | 121.3518% | 51 |
| Memoranda: | ||
| Average total assets | $20,371,500 | 7,553 |
| Average earning assets | $14,476,000 | 7,632 |
| Average equity | $6,522,500 | 6,270 |
| Average total loans | $3,777,500 | 7,682 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8633% | 7,775 |
| Cost of funding earning assets | 0.7348% | 7,110 |
| Net interest margin | 1.1285% | 7,771 |
| Noninterest income to average assets | 18.5065% | 41 |
| Noninterest expense to average assets | 14.9913% | 50 |
| Loan and lease loss provision to assets | 0.3290% | 3,770 |
| Net operating income to assets | 2.4249% | 155 |
| Return on assets (ROA) | 2.4249% | 163 |
| Pretax return on assets | 3.9945% | 70 |
| Return on Equity (ROE) | 7.3501% | 3,164 |
| Retained earnings to average equity (ytd only) | 7.3501% | 1,693 |
| Net charge-offs to loans | 1.9286% | 951 |
| Credit loss provision to net charge-offs | 89.7436% | 4,430 |
| Earnings coverage of net charge-offs (x) | 11.7949% | 1,730 |
| Efficiency ratio | 77.6156% | 2,792 |
| Assets per employee ($millions) | 0.3195% | 7,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4123% | 81 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3979% | 3,001 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 19.3337% | 7,699 |
| Net loans and leases to deposits | 27.9764% | 7,666 |
| Net loans and leases to core deposits | 33.8752% | 7,607 |
| Total domestic deposits to total assets | 69.1074% | 7,382 |
| Equity capital to assets | 27.3154% | 109 |
| Core capital (leverage) ratio | 21.6884% | 189 |
| Tier 1 risk-based capital ratio | 99.2280% | 53 |
| Total risk-based capital ratio | 100.5689% | 53 |
| Memoranda: | ||
| Average total assets | $21,279,000 | 7,595 |
| Average earning assets | $15,241,670 | 7,679 |
| Average equity | $7,020,330 | 6,132 |
| Average total loans | $4,044,330 | 7,743 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7147% | 7,884 |
| Cost of funding earning assets | 0.7145% | 7,302 |
| Net interest margin | 1.0002% | 7,877 |
| Noninterest income to average assets | 16.4367% | 43 |
| Noninterest expense to average assets | 13.1459% | 57 |
| Loan and lease loss provision to assets | 0.6268% | 2,025 |
| Net operating income to assets | 2.0720% | 304 |
| Return on assets (ROA) | 2.0720% | 337 |
| Pretax return on assets | 3.3953% | 106 |
| Return on Equity (ROE) | 5.8860% | 3,928 |
| Retained earnings to average equity (ytd only) | 5.8860% | 2,674 |
| Net charge-offs to loans | 2.4653% | 667 |
| Credit loss provision to net charge-offs | 138.4615% | 2,554 |
| Earnings coverage of net charge-offs (x) | 8.8846% | 1,914 |
| Efficiency ratio | 76.5720% | 3,123 |
| Assets per employee ($millions) | 0.4023% | 7,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6915% | 70 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5989% | 2,809 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 15.8192% | 7,827 |
| Net loans and leases to deposits | 26.2428% | 7,777 |
| Net loans and leases to core deposits | 33.4320% | 7,694 |
| Total domestic deposits to total assets | 60.2802% | 7,756 |
| Equity capital to assets | 36.8226% | 61 |
| Core capital (leverage) ratio | 35.3115% | 66 |
| Tier 1 risk-based capital ratio | 156.9254% | 40 |
| Total risk-based capital ratio | 158.2354% | 40 |
| Memoranda: | ||
| Average total assets | $22,973,000 | 7,652 |
| Average earning assets | $16,796,000 | 7,737 |
| Average equity | $8,087,000 | 5,813 |
| Average total loans | $4,218,500 | 7,839 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7508% | 7,898 |
| Cost of funding earning assets | 1.1150% | 6,929 |
| Net interest margin | 1.6358% | 7,846 |
| Noninterest income to average assets | 16.9140% | 46 |
| Noninterest expense to average assets | 13.3122% | 69 |
| Loan and lease loss provision to assets | 2.1333% | 991 |
| Net operating income to assets | 1.6640% | 477 |
| Return on assets (ROA) | 1.6640% | 509 |
| Pretax return on assets | 2.7241% | 123 |
| Return on Equity (ROE) | 4.8812% | 3,720 |
| Retained earnings to average equity (ytd only) | 4.8812% | 1,881 |
| Net charge-offs to loans | 8.0519% | 81 |
| Credit loss provision to net charge-offs | 89.7623% | 6,007 |
| Earnings coverage of net charge-offs (x) | 2.0439% | 4,194 |
| Efficiency ratio | 73.2664% | 4,043 |
| Assets per employee ($millions) | 0.4179% | 7,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1430% | 161 |
| Loan loss allowance to noncurrent loans | 21.6727% | 6,975 |
| Noncurrent assets plus other real estate owned to assets | 7.0820% | 707 |
| Noncurrent loans to loans | 23.7303% | 42 |
| Net loans and leases to total assets | 18.6600% | 7,875 |
| Net loans and leases to deposits | 29.1303% | 7,822 |
| Net loans and leases to core deposits | 39.3119% | 7,769 |
| Total domestic deposits to total assets | 64.0569% | 7,711 |
| Equity capital to assets | 33.6972% | 84 |
| Core capital (leverage) ratio | 35.3662% | 76 |
| Tier 1 risk-based capital ratio | 130.9085% | 47 |
| Total risk-based capital ratio | 132.1970% | 47 |
| Memoranda: | ||
| Average total assets | $23,016,400 | 7,700 |
| Average earning assets | $17,667,400 | 7,775 |
| Average equity | $7,846,400 | 5,978 |
| Average total loans | $6,793,400 | 7,835 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8907% | 7,991 |
| Cost of funding earning assets | 1.2356% | 6,776 |
| Net interest margin | 1.6550% | 7,917 |
| Noninterest income to average assets | 16.9181% | 47 |
| Noninterest expense to average assets | 13.4468% | 71 |
| Loan and lease loss provision to assets | 2.1096% | 830 |
| Net operating income to assets | 1.4844% | 843 |
| Return on assets (ROA) | 1.4844% | 900 |
| Pretax return on assets | 2.6531% | 155 |
| Return on Equity (ROE) | 4.3411% | 4,233 |
| Retained earnings to average equity (ytd only) | 4.3411% | 2,844 |
| Net charge-offs to loans | 8.7972% | 67 |
| Credit loss provision to net charge-offs | 74.7412% | 5,892 |
| Earnings coverage of net charge-offs (x) | 1.6874% | 4,531 |
| Efficiency ratio | 73.8447% | 3,884 |
| Assets per employee ($millions) | 0.3736% | 8,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4537% | 438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.7003% | 2,576 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 22.9736% | 7,916 |
| Net loans and leases to deposits | 37.8462% | 7,784 |
| Net loans and leases to core deposits | 51.6852% | 7,653 |
| Total domestic deposits to total assets | 60.7025% | 7,859 |
| Equity capital to assets | 37.0950% | 80 |
| Core capital (leverage) ratio | 35.1415% | 95 |
| Tier 1 risk-based capital ratio | 121.5110% | 50 |
| Total risk-based capital ratio | 122.7881% | 50 |
| Memoranda: | ||
| Average total assets | $22,815,250 | 7,776 |
| Average earning assets | $17,803,750 | 7,845 |
| Average equity | $7,801,250 | 6,051 |
| Average total loans | $7,320,250 | 7,887 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1337% | 8,064 |
| Cost of funding earning assets | 1.3507% | 6,646 |
| Net interest margin | 1.7830% | 7,949 |
| Noninterest income to average assets | 16.1905% | 48 |
| Noninterest expense to average assets | 13.0176% | 82 |
| Loan and lease loss provision to assets | 0.9519% | 1,776 |
| Net operating income to assets | 2.0324% | 272 |
| Return on assets (ROA) | 2.0324% | 296 |
| Pretax return on assets | 3.6360% | 64 |
| Return on Equity (ROE) | 6.1014% | 3,595 |
| Retained earnings to average equity (ytd only) | 6.1014% | 1,968 |
| Net charge-offs to loans | 3.1965% | 504 |
| Credit loss provision to net charge-offs | 86.0465% | 5,030 |
| Earnings coverage of net charge-offs (x) | 4.1473% | 3,201 |
| Efficiency ratio | 73.9406% | 4,041 |
| Assets per employee ($millions) | 0.3942% | 8,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6632% | 158 |
| Loan loss allowance to noncurrent loans | 31.1037% | 6,396 |
| Noncurrent assets plus other real estate owned to assets | 3.9230% | 1,532 |
| Noncurrent loans to loans | 14.9925% | 136 |
| Net loans and leases to total assets | 24.9464% | 7,980 |
| Net loans and leases to deposits | 40.0731% | 7,813 |
| Net loans and leases to core deposits | 53.2885% | 7,677 |
| Total domestic deposits to total assets | 62.2524% | 7,884 |
| Equity capital to assets | 34.4675% | 105 |
| Core capital (leverage) ratio | 33.2939% | 119 |
| Tier 1 risk-based capital ratio | 115.6952% | 58 |
| Total risk-based capital ratio | 116.9872% | 58 |
| Memoranda: | ||
| Average total assets | $23,322,330 | 7,840 |
| Average earning assets | $18,508,330 | 7,898 |
| Average equity | $7,768,670 | 6,099 |
| Average total loans | $8,071,330 | 7,945 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4135% | 8,103 |
| Cost of funding earning assets | 1.4934% | 6,421 |
| Net interest margin | 1.9201% | 7,935 |
| Noninterest income to average assets | 15.2350% | 51 |
| Noninterest expense to average assets | 12.4666% | 85 |
| Loan and lease loss provision to assets | 0.6114% | 2,061 |
| Net operating income to assets | 2.0551% | 320 |
| Return on assets (ROA) | 2.0551% | 363 |
| Pretax return on assets | 3.6856% | 69 |
| Return on Equity (ROE) | 6.2755% | 3,916 |
| Retained earnings to average equity (ytd only) | 6.2755% | 2,506 |
| Net charge-offs to loans | 0.6582% | 1,867 |
| Credit loss provision to net charge-offs | 240.0000% | 1,936 |
| Earnings coverage of net charge-offs (x) | 16.8667% | 1,530 |
| Efficiency ratio | 74.3668% | 3,760 |
| Assets per employee ($millions) | 0.4384% | 8,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6602% | 284 |
| Loan loss allowance to noncurrent loans | 31.8957% | 6,421 |
| Noncurrent assets plus other real estate owned to assets | 4.2112% | 1,191 |
| Noncurrent loans to loans | 11.4756% | 194 |
| Net loans and leases to total assets | 35.3537% | 7,756 |
| Net loans and leases to deposits | 55.4635% | 7,188 |
| Net loans and leases to core deposits | 74.4397% | 6,782 |
| Total domestic deposits to total assets | 63.7423% | 7,857 |
| Equity capital to assets | 32.8152% | 119 |
| Core capital (leverage) ratio | 33.0116% | 128 |
| Tier 1 risk-based capital ratio | 78.4740% | 89 |
| Total risk-based capital ratio | 79.7575% | 89 |
| Memoranda: | ||
| Average total assets | $23,551,000 | 7,885 |
| Average earning assets | $18,749,000 | 7,936 |
| Average equity | $7,712,500 | 6,153 |
| Average total loans | $9,115,500 | 7,945 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2695% | 7,633 |
| Cost of funding earning assets | 1.7463% | 7,144 |
| Net interest margin | 3.5232% | 5,218 |
| Noninterest income to average assets | 16.6188% | 53 |
| Noninterest expense to average assets | 14.5635% | 77 |
| Loan and lease loss provision to assets | 0.0926% | 6,210 |
| Net operating income to assets | 2.5275% | 120 |
| Return on assets (ROA) | 2.5275% | 118 |
| Pretax return on assets | 4.6246% | 53 |
| Return on Equity (ROE) | 7.0968% | 3,478 |
| Retained earnings to average equity (ytd only) | 0.2080% | 5,103 |
| Net charge-offs to loans | 0.9510% | 1,299 |
| Credit loss provision to net charge-offs | 21.5054% | 6,573 |
| Earnings coverage of net charge-offs (x) | 10.9570% | 2,439 |
| Efficiency ratio | 75.5342% | 3,320 |
| Assets per employee ($millions) | 0.3905% | 8,261 |
| Cash dividends to net income (ytd only)* | 97.0696% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1122% | 397 |
| Loan loss allowance to noncurrent loans | 29.7894% | 6,714 |
| Noncurrent assets plus other real estate owned to assets | 4.2558% | 929 |
| Noncurrent loans to loans | 10.4474% | 193 |
| Net loans and leases to total assets | 39.4673% | 7,695 |
| Net loans and leases to deposits | 61.4924% | 6,990 |
| Net loans and leases to core deposits | 81.3479% | 6,511 |
| Total domestic deposits to total assets | 64.1824% | 7,781 |
| Equity capital to assets | 32.6802% | 144 |
| Core capital (leverage) ratio | 33.4281% | 150 |
| Tier 1 risk-based capital ratio | 71.8084% | 114 |
| Total risk-based capital ratio | 73.0766% | 113 |
| Memoranda: | ||
| Average total assets | $21,602,000 | 7,970 |
| Average earning assets | $16,320,200 | 8,057 |
| Average equity | $7,693,600 | 6,214 |
| Average total loans | $9,778,800 | 7,953 |