Home > Avon Co-operative Bank > Performance and Condition Ratios
Avon Co-operative Bank, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2729% | 5,148 |
| Cost of funding earning assets | 0.8967% | 352 |
| Net interest margin | 2.3762% | 5,541 |
| Noninterest income to average assets | 0.1773% | 5,129 |
| Noninterest expense to average assets | 2.5250% | 3,649 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.0212% | 5,502 |
| Return on assets (ROA) | 0.0212% | 5,509 |
| Pretax return on assets | -0.1228% | 5,551 |
| Return on Equity (ROE) | 0.2021% | 5,504 |
| Retained earnings to average equity (ytd only) | 0.2021% | 5,174 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.1104% | 124 |
| Assets per employee ($millions) | 7.1403% | 899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3694% | 5,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 73.9657% | 1,922 |
| Net loans and leases to deposits | 85.2860% | 2,396 |
| Net loans and leases to core deposits | 100.9413% | 1,627 |
| Total domestic deposits to total assets | 86.7267% | 1,984 |
| Equity capital to assets | 10.8598% | 3,009 |
| Core capital (leverage) ratio | 10.8063% | 2,637 |
| Tier 1 risk-based capital ratio | 21.4513% | 1,122 |
| Total risk-based capital ratio | 22.0762% | 1,194 |
| Memoranda: | ||
| Average total assets | $87,972,500 | 4,508 |
| Average earning assets | $82,371,500 | 4,471 |
| Average equity | $9,236,750 | 4,624 |
| Average total loans | $65,342,000 | 4,096 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2546% | 5,174 |
| Cost of funding earning assets | 0.8966% | 309 |
| Net interest margin | 2.3580% | 5,591 |
| Noninterest income to average assets | 0.1623% | 5,244 |
| Noninterest expense to average assets | 2.4342% | 3,957 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0496% | 5,526 |
| Return on assets (ROA) | 0.0496% | 5,531 |
| Pretax return on assets | -0.0609% | 5,571 |
| Return on Equity (ROE) | 0.4775% | 5,526 |
| Retained earnings to average equity (ytd only) | 0.4775% | 4,981 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5641% | 163 |
| Assets per employee ($millions) | 6.7405% | 1,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3640% | 5,631 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 73.4146% | 1,972 |
| Net loans and leases to deposits | 85.6012% | 2,272 |
| Net loans and leases to core deposits | 101.0302% | 1,586 |
| Total domestic deposits to total assets | 85.7635% | 2,497 |
| Equity capital to assets | 10.6406% | 3,182 |
| Core capital (leverage) ratio | 10.5545% | 2,858 |
| Tier 1 risk-based capital ratio | 21.0933% | 1,164 |
| Total risk-based capital ratio | 21.7072% | 1,250 |
| Memoranda: | ||
| Average total assets | $88,735,670 | 4,516 |
| Average earning assets | $83,204,670 | 4,483 |
| Average equity | $9,214,000 | 4,647 |
| Average total loans | $65,919,000 | 4,104 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2387% | 5,192 |
| Cost of funding earning assets | 0.9036% | 276 |
| Net interest margin | 2.3351% | 5,644 |
| Noninterest income to average assets | 0.1434% | 5,396 |
| Noninterest expense to average assets | 2.3071% | 4,392 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1210% | 5,489 |
| Return on assets (ROA) | 0.1210% | 5,496 |
| Pretax return on assets | 0.0358% | 5,580 |
| Return on Equity (ROE) | 1.1792% | 5,467 |
| Retained earnings to average equity (ytd only) | 1.1792% | 4,599 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4704% | 252 |
| Assets per employee ($millions) | 6.9608% | 969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3561% | 5,715 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 72.6691% | 1,976 |
| Net loans and leases to deposits | 85.1646% | 2,136 |
| Net loans and leases to core deposits | 101.6289% | 1,394 |
| Total domestic deposits to total assets | 85.3278% | 2,948 |
| Equity capital to assets | 10.1469% | 3,574 |
| Core capital (leverage) ratio | 10.5422% | 2,852 |
| Tier 1 risk-based capital ratio | 20.6770% | 1,268 |
| Total risk-based capital ratio | 21.2784% | 1,351 |
| Memoranda: | ||
| Average total assets | $89,290,000 | 4,555 |
| Average earning assets | $84,109,000 | 4,506 |
| Average equity | $9,159,000 | 4,687 |
| Average total loans | $66,595,500 | 4,121 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3330% | 5,113 |
| Cost of funding earning assets | 0.9094% | 279 |
| Net interest margin | 2.4236% | 5,632 |
| Noninterest income to average assets | 0.1217% | 5,574 |
| Noninterest expense to average assets | 2.3677% | 4,372 |
| Loan and lease loss provision to assets | -0.0384% | 5,557 |
| Net operating income to assets | 0.1294% | 5,527 |
| Return on assets (ROA) | 0.2413% | 5,406 |
| Pretax return on assets | 0.2160% | 5,485 |
| Return on Equity (ROE) | 2.3756% | 5,316 |
| Retained earnings to average equity (ytd only) | 2.3756% | 4,171 |
| Net charge-offs to loans | -0.0014% | 4,678 |
| Credit loss provision to net charge-offs | 3,500.0000% | 125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2961% | 275 |
| Assets per employee ($millions) | 6.7761% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3497% | 5,771 |
| Loan loss allowance to noncurrent loans | 435.1852% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 5,089 |
| Noncurrent loans to loans | 0.0804% | 4,918 |
| Net loans and leases to total assets | 76.0163% | 1,510 |
| Net loans and leases to deposits | 87.5767% | 1,979 |
| Net loans and leases to core deposits | 105.0780% | 1,197 |
| Total domestic deposits to total assets | 86.7997% | 2,245 |
| Equity capital to assets | 10.3713% | 3,306 |
| Core capital (leverage) ratio | 10.4675% | 2,910 |
| Tier 1 risk-based capital ratio | 21.7315% | 1,116 |
| Total risk-based capital ratio | 22.3654% | 1,173 |
| Memoranda: | ||
| Average total assets | $91,187,000 | 4,524 |
| Average earning assets | $86,979,200 | 4,456 |
| Average equity | $9,260,800 | 4,697 |
| Average total loans | $70,420,600 | 4,036 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2763% | 5,244 |
| Cost of funding earning assets | 0.9053% | 285 |
| Net interest margin | 2.3710% | 5,734 |
| Noninterest income to average assets | 0.1247% | 5,623 |
| Noninterest expense to average assets | 2.3676% | 4,362 |
| Loan and lease loss provision to assets | -0.0507% | 5,718 |
| Net operating income to assets | 0.1290% | 5,585 |
| Return on assets (ROA) | 0.2073% | 5,514 |
| Pretax return on assets | 0.1493% | 5,627 |
| Return on Equity (ROE) | 2.0519% | 5,461 |
| Retained earnings to average equity (ytd only) | 2.0519% | 4,664 |
| Net charge-offs to loans | -0.0019% | 4,484 |
| Credit loss provision to net charge-offs | 3,500.0000% | 147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1500% | 239 |
| Assets per employee ($millions) | 7.4643% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3456% | 5,832 |
| Loan loss allowance to noncurrent loans | 31.0026% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 0.8462% | 2,433 |
| Noncurrent loans to loans | 1.1148% | 2,021 |
| Net loans and leases to total assets | 75.6464% | 1,582 |
| Net loans and leases to deposits | 87.4703% | 2,087 |
| Net loans and leases to core deposits | 104.7022% | 1,291 |
| Total domestic deposits to total assets | 86.4824% | 2,136 |
| Equity capital to assets | 10.4463% | 3,616 |
| Core capital (leverage) ratio | 10.3982% | 3,114 |
| Tier 1 risk-based capital ratio | 21.1749% | 1,238 |
| Total risk-based capital ratio | 21.7978% | 1,316 |
| Memoranda: | ||
| Average total assets | $91,961,500 | 4,546 |
| Average earning assets | $87,781,000 | 4,473 |
| Average equity | $9,292,000 | 4,744 |
| Average total loans | $71,226,500 | 4,038 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3200% | 5,245 |
| Cost of funding earning assets | 0.9079% | 280 |
| Net interest margin | 2.4121% | 5,803 |
| Noninterest income to average assets | 0.1100% | 5,743 |
| Noninterest expense to average assets | 2.3761% | 4,411 |
| Loan and lease loss provision to assets | -0.0755% | 5,849 |
| Net operating income to assets | 0.1466% | 5,616 |
| Return on assets (ROA) | 0.2631% | 5,479 |
| Pretax return on assets | 0.2286% | 5,581 |
| Return on Equity (ROE) | 2.6321% | 5,354 |
| Retained earnings to average equity (ytd only) | 2.6321% | 4,222 |
| Net charge-offs to loans | -0.0028% | 4,409 |
| Credit loss provision to net charge-offs | 3,500.0000% | 125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4808% | 275 |
| Assets per employee ($millions) | 6.9812% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3384% | 5,920 |
| Loan loss allowance to noncurrent loans | 30.9618% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 0.8363% | 2,501 |
| Noncurrent loans to loans | 1.0930% | 2,100 |
| Net loans and leases to total assets | 76.2550% | 1,453 |
| Net loans and leases to deposits | 89.8884% | 1,767 |
| Net loans and leases to core deposits | 107.6667% | 1,054 |
| Total domestic deposits to total assets | 84.8330% | 2,950 |
| Equity capital to assets | 10.3718% | 3,769 |
| Core capital (leverage) ratio | 10.1041% | 3,446 |
| Tier 1 risk-based capital ratio | 20.3040% | 1,383 |
| Total risk-based capital ratio | 20.9026% | 1,493 |
| Memoranda: | ||
| Average total assets | $92,758,000 | 4,567 |
| Average earning assets | $88,554,000 | 4,496 |
| Average equity | $9,270,330 | 4,783 |
| Average total loans | $72,304,330 | 4,034 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3475% | 5,228 |
| Cost of funding earning assets | 0.9073% | 282 |
| Net interest margin | 2.4402% | 5,853 |
| Noninterest income to average assets | 0.0555% | 5,950 |
| Noninterest expense to average assets | 2.3806% | 4,425 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0341% | 5,762 |
| Return on assets (ROA) | 0.2218% | 5,550 |
| Pretax return on assets | 0.1920% | 5,646 |
| Return on Equity (ROE) | 2.2611% | 5,444 |
| Retained earnings to average equity (ytd only) | 2.2611% | 4,355 |
| Net charge-offs to loans | -0.0054% | 4,316 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8211% | 296 |
| Assets per employee ($millions) | 7.7390% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3762% | 5,966 |
| Loan loss allowance to noncurrent loans | 35.5731% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 0.8173% | 2,647 |
| Noncurrent loans to loans | 1.0576% | 2,279 |
| Net loans and leases to total assets | 76.9888% | 1,249 |
| Net loans and leases to deposits | 90.0274% | 1,579 |
| Net loans and leases to core deposits | 107.0618% | 1,016 |
| Total domestic deposits to total assets | 85.5171% | 2,911 |
| Equity capital to assets | 9.9076% | 4,203 |
| Core capital (leverage) ratio | 9.7144% | 3,893 |
| Tier 1 risk-based capital ratio | 19.8012% | 1,546 |
| Total risk-based capital ratio | 20.4611% | 1,648 |
| Memoranda: | ||
| Average total assets | $93,759,000 | 4,581 |
| Average earning assets | $89,499,500 | 4,511 |
| Average equity | $9,199,000 | 4,812 |
| Average total loans | $73,736,000 | 4,031 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3871% | 5,188 |
| Cost of funding earning assets | 0.8321% | 418 |
| Net interest margin | 2.5550% | 5,793 |
| Noninterest income to average assets | 0.1468% | 5,678 |
| Noninterest expense to average assets | 2.3140% | 4,743 |
| Loan and lease loss provision to assets | 0.0438% | 3,451 |
| Net operating income to assets | 0.1880% | 5,605 |
| Return on assets (ROA) | 0.3177% | 5,391 |
| Pretax return on assets | 0.3791% | 5,361 |
| Return on Equity (ROE) | 3.2065% | 5,233 |
| Retained earnings to average equity (ytd only) | 3.2065% | 3,774 |
| Net charge-offs to loans | 0.0112% | 4,083 |
| Credit loss provision to net charge-offs | 500.0000% | 638 |
| Earnings coverage of net charge-offs (x) | 30.6250% | 1,439 |
| Efficiency ratio | 89.6054% | 712 |
| Assets per employee ($millions) | 7.8875% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3553% | 6,025 |
| Loan loss allowance to noncurrent loans | 35.4414% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 0.8019% | 2,667 |
| Noncurrent loans to loans | 1.0026% | 2,337 |
| Net loans and leases to total assets | 79.6989% | 881 |
| Net loans and leases to deposits | 95.8672% | 1,027 |
| Net loans and leases to core deposits | 114.1225% | 676 |
| Total domestic deposits to total assets | 83.1347% | 3,798 |
| Equity capital to assets | 9.7169% | 4,277 |
| Core capital (leverage) ratio | 9.6204% | 4,021 |
| Tier 1 risk-based capital ratio | 18.7987% | 1,745 |
| Total risk-based capital ratio | 19.4267% | 1,881 |
| Memoranda: | ||
| Average total assets | $91,270,600 | 4,643 |
| Average earning assets | $87,006,600 | 4,562 |
| Average equity | $9,044,200 | 4,840 |
| Average total loans | $71,278,400 | 4,063 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3592% | 5,294 |
| Cost of funding earning assets | 0.8135% | 453 |
| Net interest margin | 2.5457% | 5,881 |
| Noninterest income to average assets | 0.1592% | 5,693 |
| Noninterest expense to average assets | 2.3238% | 4,724 |
| Loan and lease loss provision to assets | 0.0531% | 3,132 |
| Net operating income to assets | 0.1678% | 5,740 |
| Return on assets (ROA) | 0.3362% | 5,435 |
| Pretax return on assets | 0.4173% | 5,432 |
| Return on Equity (ROE) | 3.3754% | 5,259 |
| Retained earnings to average equity (ytd only) | 3.3754% | 4,066 |
| Net charge-offs to loans | 0.0247% | 3,440 |
| Credit loss provision to net charge-offs | 276.9231% | 1,042 |
| Earnings coverage of net charge-offs (x) | 13.6947% | 2,305 |
| Efficiency ratio | 89.8518% | 713 |
| Assets per employee ($millions) | 7.1325% | 819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3527% | 6,111 |
| Loan loss allowance to noncurrent loans | 34.2556% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 0.8186% | 2,832 |
| Noncurrent loans to loans | 1.0295% | 2,419 |
| Net loans and leases to total assets | 79.2285% | 921 |
| Net loans and leases to deposits | 93.7459% | 1,232 |
| Net loans and leases to core deposits | 109.9120% | 881 |
| Total domestic deposits to total assets | 84.5141% | 3,215 |
| Equity capital to assets | 9.7991% | 4,395 |
| Core capital (leverage) ratio | 9.6536% | 4,098 |
| Tier 1 risk-based capital ratio | 19.3251% | 1,699 |
| Total risk-based capital ratio | 19.9537% | 1,811 |
| Memoranda: | ||
| Average total assets | $90,425,750 | 4,713 |
| Average earning assets | $86,209,000 | 4,634 |
| Average equity | $9,006,000 | 4,903 |
| Average total loans | $70,172,000 | 4,130 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3198% | 5,399 |
| Cost of funding earning assets | 0.7995% | 503 |
| Net interest margin | 2.5202% | 5,945 |
| Noninterest income to average assets | 0.1651% | 5,713 |
| Noninterest expense to average assets | 2.2708% | 4,922 |
| Loan and lease loss provision to assets | 0.0580% | 2,943 |
| Net operating income to assets | 0.2127% | 5,665 |
| Return on assets (ROA) | 0.2186% | 5,722 |
| Pretax return on assets | 0.2476% | 5,742 |
| Return on Equity (ROE) | 2.1828% | 5,639 |
| Retained earnings to average equity (ytd only) | 2.1828% | 4,617 |
| Net charge-offs to loans | 0.0029% | 3,804 |
| Credit loss provision to net charge-offs | 2,600.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 134.0000% | 475 |
| Efficiency ratio | 88.3681% | 888 |
| Assets per employee ($millions) | 7.1808% | 771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3563% | 6,181 |
| Loan loss allowance to noncurrent loans | 34.2556% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 0.8131% | 2,944 |
| Noncurrent loans to loans | 1.0400% | 2,565 |
| Net loans and leases to total assets | 77.8995% | 1,078 |
| Net loans and leases to deposits | 93.6148% | 1,186 |
| Net loans and leases to core deposits | 108.7662% | 907 |
| Total domestic deposits to total assets | 83.2128% | 3,869 |
| Equity capital to assets | 9.5993% | 4,537 |
| Core capital (leverage) ratio | 9.6449% | 4,081 |
| Tier 1 risk-based capital ratio | 19.1907% | 1,754 |
| Total risk-based capital ratio | 19.8240% | 1,860 |
| Memoranda: | ||
| Average total assets | $89,660,000 | 4,775 |
| Average earning assets | $85,548,330 | 4,689 |
| Average equity | $8,979,330 | 4,946 |
| Average total loans | $68,988,330 | 4,189 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2986% | 5,456 |
| Cost of funding earning assets | 0.7733% | 578 |
| Net interest margin | 2.5253% | 5,990 |
| Noninterest income to average assets | 0.2369% | 5,269 |
| Noninterest expense to average assets | 2.3140% | 4,844 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2932% | 5,444 |
| Return on assets (ROA) | 0.3052% | 5,498 |
| Pretax return on assets | 0.3462% | 5,549 |
| Return on Equity (ROE) | 2.9816% | 5,386 |
| Retained earnings to average equity (ytd only) | 2.9816% | 4,188 |
| Net charge-offs to loans | 0.0119% | 2,952 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 36.5000% | 1,032 |
| Efficiency ratio | 87.4355% | 1,061 |
| Assets per employee ($millions) | 7.7794% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3559% | 6,259 |
| Loan loss allowance to noncurrent loans | 35.6534% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 0.8130% | 3,069 |
| Noncurrent loans to loans | 0.9982% | 2,765 |
| Net loans and leases to total assets | 75.2831% | 1,312 |
| Net loans and leases to deposits | 91.0067% | 1,294 |
| Net loans and leases to core deposits | 107.5919% | 841 |
| Total domestic deposits to total assets | 82.7226% | 4,263 |
| Equity capital to assets | 9.6847% | 4,528 |
| Core capital (leverage) ratio | 10.2949% | 3,220 |
| Tier 1 risk-based capital ratio | 19.5553% | 1,723 |
| Total risk-based capital ratio | 20.1985% | 1,847 |
| Memoranda: | ||
| Average total assets | $87,814,500 | 4,867 |
| Average earning assets | $83,792,500 | 4,781 |
| Average equity | $8,988,500 | 4,992 |
| Average total loans | $66,992,500 | 4,266 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5211% | 5,271 |
| Cost of funding earning assets | 0.7331% | 939 |
| Net interest margin | 2.7880% | 5,828 |
| Noninterest income to average assets | 0.2102% | 5,602 |
| Noninterest expense to average assets | 2.5201% | 4,481 |
| Loan and lease loss provision to assets | 0.0369% | 3,841 |
| Net operating income to assets | 0.2818% | 5,563 |
| Return on assets (ROA) | 0.3567% | 5,433 |
| Pretax return on assets | 0.3657% | 5,573 |
| Return on Equity (ROE) | 3.2014% | 5,412 |
| Retained earnings to average equity (ytd only) | 3.2014% | 3,958 |
| Net charge-offs to loans | 0.0253% | 4,322 |
| Credit loss provision to net charge-offs | 193.3333% | 1,277 |
| Earnings coverage of net charge-offs (x) | 17.0667% | 1,963 |
| Efficiency ratio | 88.5407% | 945 |
| Assets per employee ($millions) | 6.8563% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3593% | 6,344 |
| Loan loss allowance to noncurrent loans | 24.2812% | 5,771 |
| Noncurrent assets plus other real estate owned to assets | 1.1413% | 2,478 |
| Noncurrent loans to loans | 1.4798% | 1,981 |
| Net loans and leases to total assets | 76.8474% | 1,151 |
| Net loans and leases to deposits | 89.7015% | 1,547 |
| Net loans and leases to core deposits | 99.7318% | 1,409 |
| Total domestic deposits to total assets | 85.6702% | 2,998 |
| Equity capital to assets | 10.8610% | 3,050 |
| Core capital (leverage) ratio | 10.6922% | 2,726 |
| Tier 1 risk-based capital ratio | 21.6999% | 1,270 |
| Total risk-based capital ratio | 22.4018% | 1,345 |
| Memoranda: | ||
| Average total assets | $78,489,800 | 5,102 |
| Average earning assets | $74,210,400 | 5,035 |
| Average equity | $8,746,200 | 5,037 |
| Average total loans | $59,301,600 | 4,508 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5499% | 5,274 |
| Cost of funding earning assets | 0.7140% | 1,084 |
| Net interest margin | 2.8359% | 5,812 |
| Noninterest income to average assets | 0.1548% | 5,985 |
| Noninterest expense to average assets | 2.5482% | 4,372 |
| Loan and lease loss provision to assets | 0.0499% | 3,383 |
| Net operating income to assets | 0.2407% | 5,751 |
| Return on assets (ROA) | 0.3439% | 5,519 |
| Pretax return on assets | 0.3370% | 5,701 |
| Return on Equity (ROE) | 3.0655% | 5,516 |
| Retained earnings to average equity (ytd only) | 3.0655% | 4,436 |
| Net charge-offs to loans | 0.0160% | 4,221 |
| Credit loss provision to net charge-offs | 414.2857% | 677 |
| Earnings coverage of net charge-offs (x) | 23.5788% | 1,582 |
| Efficiency ratio | 89.9818% | 844 |
| Assets per employee ($millions) | 6.8084% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3740% | 6,427 |
| Loan loss allowance to noncurrent loans | 22.2642% | 5,902 |
| Noncurrent assets plus other real estate owned to assets | 1.2974% | 2,383 |
| Noncurrent loans to loans | 1.6798% | 1,942 |
| Net loans and leases to total assets | 76.9452% | 1,100 |
| Net loans and leases to deposits | 92.1274% | 1,213 |
| Net loans and leases to core deposits | 101.2629% | 1,267 |
| Total domestic deposits to total assets | 83.5204% | 3,945 |
| Equity capital to assets | 10.7857% | 3,196 |
| Core capital (leverage) ratio | 10.7375% | 2,775 |
| Tier 1 risk-based capital ratio | 21.4886% | 1,351 |
| Total risk-based capital ratio | 22.2099% | 1,437 |
| Memoranda: | ||
| Average total assets | $77,543,250 | 5,175 |
| Average earning assets | $73,201,500 | 5,117 |
| Average equity | $8,698,750 | 5,087 |
| Average total loans | $58,263,250 | 4,579 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5856% | 5,188 |
| Cost of funding earning assets | 0.6915% | 1,232 |
| Net interest margin | 2.8941% | 5,744 |
| Noninterest income to average assets | 0.1523% | 6,038 |
| Noninterest expense to average assets | 2.6629% | 4,006 |
| Loan and lease loss provision to assets | 0.0551% | 3,194 |
| Net operating income to assets | 0.2048% | 5,823 |
| Return on assets (ROA) | 0.3493% | 5,477 |
| Pretax return on assets | 0.3046% | 5,774 |
| Return on Equity (ROE) | 3.0712% | 5,499 |
| Retained earnings to average equity (ytd only) | 3.0712% | 4,248 |
| Net charge-offs to loans | 0.0035% | 4,265 |
| Credit loss provision to net charge-offs | 2,100.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 646 |
| Efficiency ratio | 92.5182% | 731 |
| Assets per employee ($millions) | 6.6565% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3840% | 6,494 |
| Loan loss allowance to noncurrent loans | 21.8487% | 5,967 |
| Noncurrent assets plus other real estate owned to assets | 1.3408% | 2,444 |
| Noncurrent loans to loans | 1.7575% | 1,963 |
| Net loans and leases to total assets | 75.9959% | 1,168 |
| Net loans and leases to deposits | 92.3845% | 1,109 |
| Net loans and leases to core deposits | 101.4761% | 1,174 |
| Total domestic deposits to total assets | 82.2604% | 4,566 |
| Equity capital to assets | 10.9367% | 2,940 |
| Core capital (leverage) ratio | 10.9933% | 2,435 |
| Tier 1 risk-based capital ratio | 21.9256% | 1,268 |
| Total risk-based capital ratio | 22.6596% | 1,337 |
| Memoranda: | ||
| Average total assets | $76,157,330 | 5,249 |
| Average earning assets | $71,731,330 | 5,187 |
| Average equity | $8,661,000 | 5,118 |
| Average total loans | $56,650,670 | 4,667 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6380% | 5,041 |
| Cost of funding earning assets | 0.6946% | 1,281 |
| Net interest margin | 2.9435% | 5,661 |
| Noninterest income to average assets | 0.1400% | 6,139 |
| Noninterest expense to average assets | 2.7404% | 3,797 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2154% | 5,755 |
| Return on assets (ROA) | 0.2154% | 5,810 |
| Pretax return on assets | 0.1830% | 5,947 |
| Return on Equity (ROE) | 1.8554% | 5,825 |
| Retained earnings to average equity (ytd only) | 1.8554% | 4,853 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7385% | 767 |
| Assets per employee ($millions) | 6.1488% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3915% | 6,567 |
| 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 | 73.7860% | 1,306 |
| Net loans and leases to deposits | 88.0413% | 1,360 |
| Net loans and leases to core deposits | 95.7341% | 1,402 |
| Total domestic deposits to total assets | 83.8084% | 4,340 |
| Equity capital to assets | 11.7544% | 2,051 |
| Core capital (leverage) ratio | 11.5127% | 1,957 |
| Tier 1 risk-based capital ratio | 23.8082% | 1,033 |
| Total risk-based capital ratio | 24.5581% | 1,081 |
| Memoranda: | ||
| Average total assets | $74,297,000 | 5,331 |
| Average earning assets | $70,257,500 | 5,270 |
| Average equity | $8,623,500 | 5,140 |
| Average total loans | $54,507,000 | 4,773 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4079% | 5,823 |
| Cost of funding earning assets | 0.7724% | 1,358 |
| Net interest margin | 2.6355% | 6,219 |
| Noninterest income to average assets | 0.1882% | 5,959 |
| Noninterest expense to average assets | 2.5481% | 4,619 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1213% | 5,997 |
| Return on assets (ROA) | 0.2169% | 5,839 |
| Pretax return on assets | 0.2287% | 5,890 |
| Return on Equity (ROE) | 1.9081% | 5,867 |
| Retained earnings to average equity (ytd only) | 1.9081% | 4,871 |
| Net charge-offs to loans | 0.0116% | 5,223 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 16.3333% | 1,808 |
| Efficiency ratio | 95.2148% | 687 |
| Assets per employee ($millions) | 6.2341% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3937% | 6,645 |
| Loan loss allowance to noncurrent loans | 29.9720% | 5,946 |
| Noncurrent assets plus other real estate owned to assets | 0.9544% | 3,509 |
| Noncurrent loans to loans | 1.3135% | 2,941 |
| Net loans and leases to total assets | 72.3750% | 1,618 |
| Net loans and leases to deposits | 85.9235% | 1,695 |
| Net loans and leases to core deposits | 93.3114% | 1,649 |
| Total domestic deposits to total assets | 84.2318% | 4,082 |
| Equity capital to assets | 11.4612% | 2,198 |
| Core capital (leverage) ratio | 11.3088% | 2,113 |
| Tier 1 risk-based capital ratio | 23.6630% | 994 |
| Total risk-based capital ratio | 24.4119% | 1,052 |
| Memoranda: | ||
| Average total assets | $76,527,600 | 5,317 |
| Average earning assets | $72,244,800 | 5,246 |
| Average equity | $8,699,600 | 5,161 |
| Average total loans | $51,934,200 | 4,894 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4066% | 5,867 |
| Cost of funding earning assets | 0.7842% | 1,409 |
| Net interest margin | 2.6225% | 6,290 |
| Noninterest income to average assets | 0.1836% | 6,092 |
| Noninterest expense to average assets | 2.5295% | 4,626 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1270% | 6,083 |
| Return on assets (ROA) | 0.1767% | 6,043 |
| Pretax return on assets | 0.1784% | 6,077 |
| Return on Equity (ROE) | 1.5577% | 6,054 |
| Retained earnings to average equity (ytd only) | 1.5577% | 5,351 |
| Net charge-offs to loans | 0.0156% | 4,823 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 12.3325% | 2,145 |
| Efficiency ratio | 95.1760% | 667 |
| Assets per employee ($millions) | 6.2970% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4030% | 6,722 |
| Loan loss allowance to noncurrent loans | 88.7967% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 0.3189% | 5,455 |
| Noncurrent loans to loans | 0.4538% | 5,057 |
| Net loans and leases to total assets | 69.9976% | 1,969 |
| Net loans and leases to deposits | 84.4046% | 1,830 |
| Net loans and leases to core deposits | 91.7548% | 1,782 |
| Total domestic deposits to total assets | 82.9310% | 4,602 |
| Equity capital to assets | 11.3996% | 2,382 |
| Core capital (leverage) ratio | 11.0348% | 2,448 |
| Tier 1 risk-based capital ratio | 24.0137% | 1,002 |
| Total risk-based capital ratio | 24.7737% | 1,044 |
| Memoranda: | ||
| Average total assets | $76,957,250 | 5,359 |
| Average earning assets | $72,601,250 | 5,285 |
| Average equity | $8,731,000 | 5,208 |
| Average total loans | $51,328,500 | 4,958 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3818% | 5,947 |
| Cost of funding earning assets | 0.7893% | 1,475 |
| Net interest margin | 2.5925% | 6,344 |
| Noninterest income to average assets | 0.2170% | 5,884 |
| Noninterest expense to average assets | 2.5368% | 4,604 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1266% | 6,067 |
| Return on assets (ROA) | 0.1266% | 6,173 |
| Pretax return on assets | 0.1240% | 6,194 |
| Return on Equity (ROE) | 1.1174% | 6,181 |
| Retained earnings to average equity (ytd only) | 1.1174% | 5,451 |
| Net charge-offs to loans | 0.0276% | 4,309 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.8571% | 2,639 |
| Efficiency ratio | 95.3398% | 694 |
| Assets per employee ($millions) | 5.9315% | 1,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4053% | 6,769 |
| 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 | 67.8706% | 2,270 |
| Net loans and leases to deposits | 81.6497% | 2,097 |
| Net loans and leases to core deposits | 88.1966% | 2,082 |
| Total domestic deposits to total assets | 83.1241% | 4,652 |
| Equity capital to assets | 11.2566% | 2,516 |
| Core capital (leverage) ratio | 10.7737% | 2,595 |
| Tier 1 risk-based capital ratio | 23.8987% | 1,007 |
| Total risk-based capital ratio | 24.6633% | 1,055 |
| Memoranda: | ||
| Average total assets | $77,421,670 | 5,383 |
| Average earning assets | $72,978,670 | 5,308 |
| Average equity | $8,770,000 | 5,229 |
| Average total loans | $50,735,670 | 4,997 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3417% | 6,062 |
| Cost of funding earning assets | 0.7998% | 1,525 |
| Net interest margin | 2.5419% | 6,451 |
| Noninterest income to average assets | 0.2527% | 5,652 |
| Noninterest expense to average assets | 2.5007% | 4,749 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1856% | 5,935 |
| Return on assets (ROA) | 0.1856% | 6,048 |
| Pretax return on assets | 0.1444% | 6,182 |
| Return on Equity (ROE) | 1.6336% | 6,048 |
| Retained earnings to average equity (ytd only) | 1.6336% | 5,164 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5419% | 802 |
| Assets per employee ($millions) | 6.6269% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4419% | 6,832 |
| Loan loss allowance to noncurrent loans | 71.1974% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 0.4665% | 5,217 |
| Noncurrent loans to loans | 0.6207% | 4,891 |
| Net loans and leases to total assets | 62.3228% | 2,997 |
| Net loans and leases to deposits | 75.9416% | 2,645 |
| Net loans and leases to core deposits | 81.9001% | 2,582 |
| Total domestic deposits to total assets | 82.0668% | 5,170 |
| Equity capital to assets | 11.0861% | 2,864 |
| Core capital (leverage) ratio | 10.8261% | 2,429 |
| Tier 1 risk-based capital ratio | 24.1698% | 995 |
| Total risk-based capital ratio | 24.9632% | 1,041 |
| Memoranda: | ||
| Average total assets | $77,577,500 | 5,424 |
| Average earning assets | $73,017,000 | 5,352 |
| Average equity | $8,815,000 | 5,270 |
| Average total loans | $49,829,500 | 5,064 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7738% | 5,893 |
| Cost of funding earning assets | 0.8281% | 2,435 |
| Net interest margin | 2.9457% | 6,142 |
| Noninterest income to average assets | 0.2798% | 5,465 |
| Noninterest expense to average assets | 2.7890% | 4,059 |
| Loan and lease loss provision to assets | 0.0689% | 4,887 |
| Net operating income to assets | 0.2252% | 5,715 |
| Return on assets (ROA) | 0.2252% | 5,910 |
| Pretax return on assets | 0.1879% | 6,008 |
| Return on Equity (ROE) | 1.8048% | 5,959 |
| Retained earnings to average equity (ytd only) | 1.8048% | 4,951 |
| Net charge-offs to loans | 0.0743% | 4,936 |
| Credit loss provision to net charge-offs | 154.8387% | 1,743 |
| Earnings coverage of net charge-offs (x) | 5.7742% | 2,953 |
| Efficiency ratio | 91.5685% | 952 |
| Assets per employee ($millions) | 6.3027% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4411% | 6,871 |
| Loan loss allowance to noncurrent loans | 27.6382% | 6,153 |
| Noncurrent assets plus other real estate owned to assets | 1.1344% | 3,761 |
| Noncurrent loans to loans | 1.5959% | 3,231 |
| Net loans and leases to total assets | 65.6574% | 2,581 |
| Net loans and leases to deposits | 80.8986% | 2,159 |
| Net loans and leases to core deposits | 86.8101% | 2,209 |
| Total domestic deposits to total assets | 81.1601% | 5,355 |
| Equity capital to assets | 11.6538% | 2,301 |
| Core capital (leverage) ratio | 11.4276% | 1,925 |
| Tier 1 risk-based capital ratio | 24.6826% | 888 |
| Total risk-based capital ratio | 25.4964% | 925 |
| Memoranda: | ||
| Average total assets | $69,702,200 | 5,633 |
| Average earning assets | $65,451,200 | 5,572 |
| Average equity | $8,698,800 | 5,304 |
| Average total loans | $41,697,200 | 5,434 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8116% | 6,000 |
| Cost of funding earning assets | 0.8477% | 2,561 |
| Net interest margin | 2.9639% | 6,245 |
| Noninterest income to average assets | 0.3068% | 5,328 |
| Noninterest expense to average assets | 2.8476% | 3,808 |
| Loan and lease loss provision to assets | 0.0489% | 5,159 |
| Net operating income to assets | 0.2365% | 5,819 |
| Return on assets (ROA) | 0.2365% | 6,004 |
| Pretax return on assets | 0.1915% | 6,139 |
| Return on Equity (ROE) | 1.8608% | 6,068 |
| Retained earnings to average equity (ytd only) | 1.8608% | 5,408 |
| Net charge-offs to loans | 0.1042% | 4,351 |
| Credit loss provision to net charge-offs | 80.6452% | 3,599 |
| Earnings coverage of net charge-offs (x) | 3.9681% | 3,439 |
| Efficiency ratio | 92.2152% | 874 |
| Assets per employee ($millions) | 5.6621% | 1,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4787% | 6,963 |
| Loan loss allowance to noncurrent loans | 24.5025% | 6,367 |
| Noncurrent assets plus other real estate owned to assets | 1.2746% | 3,742 |
| Noncurrent loans to loans | 1.9537% | 2,892 |
| Net loans and leases to total assets | 60.2782% | 3,719 |
| Net loans and leases to deposits | 69.8372% | 3,913 |
| Net loans and leases to core deposits | 73.8531% | 3,991 |
| Total domestic deposits to total assets | 86.3125% | 3,080 |
| Equity capital to assets | 12.9517% | 1,614 |
| Core capital (leverage) ratio | 12.2134% | 1,529 |
| Tier 1 risk-based capital ratio | 27.9757% | 660 |
| Total risk-based capital ratio | 28.8313% | 680 |
| Memoranda: | ||
| Average total assets | $68,219,750 | 5,738 |
| Average earning assets | $64,012,750 | 5,668 |
| Average equity | $8,670,000 | 5,361 |
| Average total loans | $39,652,000 | 5,592 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9020% | 5,914 |
| Cost of funding earning assets | 0.8834% | 2,536 |
| Net interest margin | 3.0186% | 6,202 |
| Noninterest income to average assets | 0.2869% | 5,515 |
| Noninterest expense to average assets | 2.8546% | 3,805 |
| Loan and lease loss provision to assets | 0.0732% | 4,712 |
| Net operating income to assets | 0.2284% | 5,835 |
| Return on assets (ROA) | 0.2284% | 6,023 |
| Pretax return on assets | 0.1903% | 6,164 |
| Return on Equity (ROE) | 1.8083% | 6,099 |
| Retained earnings to average equity (ytd only) | 1.8083% | 5,289 |
| Net charge-offs to loans | 0.1584% | 3,654 |
| Credit loss provision to net charge-offs | 80.6452% | 3,304 |
| Earnings coverage of net charge-offs (x) | 2.9032% | 3,581 |
| Efficiency ratio | 91.5493% | 955 |
| Assets per employee ($millions) | 5.2482% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4987% | 7,024 |
| Loan loss allowance to noncurrent loans | 24.6250% | 6,380 |
| Noncurrent assets plus other real estate owned to assets | 1.3484% | 3,744 |
| Noncurrent loans to loans | 2.0250% | 2,920 |
| Net loans and leases to total assets | 57.6150% | 4,233 |
| Net loans and leases to deposits | 66.5386% | 4,439 |
| Net loans and leases to core deposits | 71.3373% | 4,379 |
| Total domestic deposits to total assets | 86.5889% | 3,014 |
| Equity capital to assets | 12.7633% | 1,648 |
| Core capital (leverage) ratio | 12.0701% | 1,567 |
| Tier 1 risk-based capital ratio | 29.4409% | 547 |
| Total risk-based capital ratio | 30.3424% | 550 |
| Memoranda: | ||
| Average total assets | $68,311,330 | 5,770 |
| Average earning assets | $64,069,000 | 5,703 |
| Average equity | $8,626,670 | 5,374 |
| Average total loans | $39,151,670 | 5,642 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8917% | 6,034 |
| Cost of funding earning assets | 0.9183% | 2,535 |
| Net interest margin | 2.9735% | 6,352 |
| Noninterest income to average assets | 0.3043% | 5,444 |
| Noninterest expense to average assets | 2.8557% | 3,798 |
| Loan and lease loss provision to assets | 0.1463% | 3,535 |
| Net operating income to assets | 0.1756% | 6,052 |
| Return on assets (ROA) | 0.1756% | 6,195 |
| Pretax return on assets | 0.0878% | 6,402 |
| Return on Equity (ROE) | 1.3976% | 6,258 |
| Retained earnings to average equity (ytd only) | 1.3976% | 5,539 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4242% | 919 |
| Assets per employee ($millions) | 5.2953% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5862% | 6,995 |
| Loan loss allowance to noncurrent loans | 30.9362% | 6,126 |
| Noncurrent assets plus other real estate owned to assets | 1.0706% | 4,352 |
| Noncurrent loans to loans | 1.8949% | 3,292 |
| Net loans and leases to total assets | 56.1687% | 4,352 |
| Net loans and leases to deposits | 64.6892% | 4,538 |
| Net loans and leases to core deposits | 69.2765% | 4,527 |
| Total domestic deposits to total assets | 86.8287% | 3,051 |
| Equity capital to assets | 12.4784% | 1,735 |
| Core capital (leverage) ratio | 12.0608% | 1,555 |
| Tier 1 risk-based capital ratio | 29.5808% | 544 |
| Total risk-based capital ratio | 30.6072% | 545 |
| Memoranda: | ||
| Average total assets | $68,353,500 | 5,814 |
| Average earning assets | $64,033,000 | 5,755 |
| Average equity | $8,586,000 | 5,410 |
| Average total loans | $38,974,500 | 5,683 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3231% | 5,687 |
| Cost of funding earning assets | 1.1114% | 2,601 |
| Net interest margin | 3.2117% | 6,057 |
| Noninterest income to average assets | 0.3219% | 5,243 |
| Noninterest expense to average assets | 2.9888% | 3,631 |
| Loan and lease loss provision to assets | 0.0075% | 6,438 |
| Net operating income to assets | 0.2949% | 5,276 |
| Return on assets (ROA) | 0.3715% | 5,158 |
| Pretax return on assets | 0.4091% | 5,271 |
| Return on Equity (ROE) | 2.9469% | 5,309 |
| Retained earnings to average equity (ytd only) | 2.9469% | 4,141 |
| Net charge-offs to loans | 0.2290% | 4,353 |
| Credit loss provision to net charge-offs | 5.6180% | 6,039 |
| Earnings coverage of net charge-offs (x) | 2.4831% | 3,970 |
| Efficiency ratio | 89.9909% | 1,195 |
| Assets per employee ($millions) | 5.2206% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5198% | 7,091 |
| Loan loss allowance to noncurrent loans | 23.3602% | 6,498 |
| Noncurrent assets plus other real estate owned to assets | 1.2804% | 4,080 |
| Noncurrent loans to loans | 2.2251% | 2,930 |
| Net loans and leases to total assets | 57.2464% | 4,506 |
| Net loans and leases to deposits | 66.0221% | 4,727 |
| Net loans and leases to core deposits | 70.7622% | 4,675 |
| Total domestic deposits to total assets | 86.7080% | 2,911 |
| Equity capital to assets | 12.6451% | 1,704 |
| Core capital (leverage) ratio | 12.1647% | 1,511 |
| Tier 1 risk-based capital ratio | 29.1967% | 556 |
| Total risk-based capital ratio | 29.9208% | 567 |
| Memoranda: | ||
| Average total assets | $66,481,000 | 5,855 |
| Average earning assets | $62,085,200 | 5,801 |
| Average equity | $8,381,600 | 5,444 |
| Average total loans | $38,869,600 | 5,747 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4035% | 5,591 |
| Cost of funding earning assets | 1.1505% | 2,629 |
| Net interest margin | 3.2530% | 6,005 |
| Noninterest income to average assets | 0.4637% | 4,184 |
| Noninterest expense to average assets | 3.0785% | 3,238 |
| Loan and lease loss provision to assets | 0.0101% | 6,306 |
| Net operating income to assets | 0.3730% | 5,114 |
| Return on assets (ROA) | 0.3730% | 5,298 |
| Pretax return on assets | 0.4133% | 5,423 |
| Return on Equity (ROE) | 2.9606% | 5,436 |
| Retained earnings to average equity (ytd only) | 2.9606% | 4,579 |
| Net charge-offs to loans | 0.3056% | 3,560 |
| Credit loss provision to net charge-offs | 5.6180% | 5,703 |
| Earnings coverage of net charge-offs (x) | 2.3596% | 3,948 |
| Efficiency ratio | 87.9102% | 1,353 |
| Assets per employee ($millions) | 5.1302% | 2,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5305% | 7,149 |
| Loan loss allowance to noncurrent loans | 22.4062% | 6,609 |
| Noncurrent assets plus other real estate owned to assets | 1.3585% | 4,105 |
| Noncurrent loans to loans | 2.3676% | 2,931 |
| Net loans and leases to total assets | 57.0735% | 4,671 |
| Net loans and leases to deposits | 65.9242% | 4,915 |
| Net loans and leases to core deposits | 70.8273% | 4,855 |
| Total domestic deposits to total assets | 86.5743% | 2,894 |
| Equity capital to assets | 12.7285% | 1,766 |
| Core capital (leverage) ratio | 12.1991% | 1,594 |
| Tier 1 risk-based capital ratio | 28.7611% | 608 |
| Total risk-based capital ratio | 29.4799% | 628 |
| Memoranda: | ||
| Average total assets | $66,134,250 | 5,905 |
| Average earning assets | $61,767,500 | 5,852 |
| Average equity | $8,331,500 | 5,501 |
| Average total loans | $38,823,250 | 5,798 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5223% | 5,283 |
| Cost of funding earning assets | 1.1801% | 2,708 |
| Net interest margin | 3.3421% | 5,733 |
| Noninterest income to average assets | 0.2881% | 5,578 |
| Noninterest expense to average assets | 3.0327% | 3,514 |
| Loan and lease loss provision to assets | 0.0152% | 6,092 |
| Net operating income to assets | 0.3306% | 5,245 |
| Return on assets (ROA) | 0.3306% | 5,382 |
| Pretax return on assets | 0.3579% | 5,526 |
| Return on Equity (ROE) | 2.6332% | 5,552 |
| Retained earnings to average equity (ytd only) | 2.6332% | 4,621 |
| Net charge-offs to loans | 0.4563% | 2,754 |
| Credit loss provision to net charge-offs | 5.6180% | 5,285 |
| Earnings coverage of net charge-offs (x) | 1.3820% | 4,241 |
| Efficiency ratio | 89.0472% | 1,319 |
| Assets per employee ($millions) | 4.7460% | 2,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5320% | 7,205 |
| Loan loss allowance to noncurrent loans | 22.3322% | 6,637 |
| Noncurrent assets plus other real estate owned to assets | 1.3681% | 4,171 |
| Noncurrent loans to loans | 2.3821% | 3,006 |
| Net loans and leases to total assets | 57.1248% | 4,800 |
| Net loans and leases to deposits | 65.9279% | 5,012 |
| Net loans and leases to core deposits | 70.9564% | 4,957 |
| Total domestic deposits to total assets | 86.6474% | 2,959 |
| Equity capital to assets | 12.6783% | 1,691 |
| Core capital (leverage) ratio | 11.9682% | 1,613 |
| Tier 1 risk-based capital ratio | 28.6732% | 616 |
| Total risk-based capital ratio | 29.3967% | 638 |
| Memoranda: | ||
| Average total assets | $65,948,000 | 5,962 |
| Average earning assets | $61,518,000 | 5,908 |
| Average equity | $8,279,000 | 5,528 |
| Average total loans | $39,008,670 | 5,843 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5671% | 5,095 |
| Cost of funding earning assets | 1.1826% | 2,925 |
| Net interest margin | 3.3845% | 5,487 |
| Noninterest income to average assets | 0.2374% | 6,014 |
| Noninterest expense to average assets | 2.9589% | 3,823 |
| Loan and lease loss provision to assets | 0.0304% | 5,586 |
| Net operating income to assets | 0.3470% | 5,185 |
| Return on assets (ROA) | 0.3470% | 5,269 |
| Pretax return on assets | 0.4018% | 5,337 |
| Return on Equity (ROE) | 2.7783% | 5,478 |
| Retained earnings to average equity (ytd only) | 2.7783% | 4,502 |
| Net charge-offs to loans | 0.1826% | 3,396 |
| Credit loss provision to net charge-offs | 27.7778% | 4,154 |
| Earnings coverage of net charge-offs (x) | 3.9444% | 2,600 |
| Efficiency ratio | 87.2531% | 1,596 |
| Assets per employee ($millions) | 4.7280% | 2,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6960% | 7,081 |
| Loan loss allowance to noncurrent loans | 30.0110% | 6,299 |
| Noncurrent assets plus other real estate owned to assets | 1.3793% | 4,218 |
| Noncurrent loans to loans | 2.3191% | 3,169 |
| Net loans and leases to total assets | 59.0630% | 4,452 |
| Net loans and leases to deposits | 69.1005% | 4,515 |
| Net loans and leases to core deposits | 74.2249% | 4,518 |
| Total domestic deposits to total assets | 85.4741% | 3,797 |
| Equity capital to assets | 12.4517% | 1,653 |
| Core capital (leverage) ratio | 12.1296% | 1,491 |
| Tier 1 risk-based capital ratio | 27.6169% | 660 |
| Total risk-based capital ratio | 28.5635% | 666 |
| Memoranda: | ||
| Average total assets | $65,700,000 | 6,003 |
| Average earning assets | $61,221,000 | 5,959 |
| Average equity | $8,206,500 | 5,556 |
| Average total loans | $39,433,500 | 5,874 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6467% | 5,964 |
| Cost of funding earning assets | 1.3573% | 3,524 |
| Net interest margin | 3.2894% | 6,014 |
| Noninterest income to average assets | 0.2389% | 6,087 |
| Noninterest expense to average assets | 2.9892% | 3,891 |
| Loan and lease loss provision to assets | -0.0551% | 7,594 |
| Net operating income to assets | 0.3425% | 4,779 |
| Return on assets (ROA) | 0.4487% | 4,484 |
| Pretax return on assets | 0.4747% | 4,708 |
| Return on Equity (ROE) | 3.6310% | 4,684 |
| Retained earnings to average equity (ytd only) | 3.6310% | 3,324 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6642% | 1,271 |
| Assets per employee ($millions) | 5.0160% | 2,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7266% | 7,095 |
| Loan loss allowance to noncurrent loans | 36.4676% | 5,881 |
| Noncurrent assets plus other real estate owned to assets | 1.2069% | 4,613 |
| Noncurrent loans to loans | 1.9925% | 3,573 |
| Net loans and leases to total assets | 60.1322% | 4,655 |
| Net loans and leases to deposits | 70.3930% | 4,767 |
| Net loans and leases to core deposits | 74.4692% | 4,916 |
| Total domestic deposits to total assets | 85.4236% | 3,650 |
| Equity capital to assets | 12.5307% | 1,617 |
| Core capital (leverage) ratio | 12.0987% | 1,482 |
| Tier 1 risk-based capital ratio | 27.8335% | 623 |
| Total risk-based capital ratio | 28.8399% | 627 |
| Memoranda: | ||
| Average total assets | $65,301,400 | 6,021 |
| Average earning assets | $60,709,400 | 5,972 |
| Average equity | $8,069,400 | 5,692 |
| Average total loans | $38,819,400 | 5,975 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7034% | 6,004 |
| Cost of funding earning assets | 1.3840% | 3,678 |
| Net interest margin | 3.3194% | 5,952 |
| Noninterest income to average assets | 0.2225% | 6,314 |
| Noninterest expense to average assets | 3.0044% | 3,725 |
| Loan and lease loss provision to assets | -0.0898% | 7,698 |
| Net operating income to assets | 0.3563% | 4,946 |
| Return on assets (ROA) | 0.4919% | 4,552 |
| Pretax return on assets | 0.5409% | 4,794 |
| Return on Equity (ROE) | 3.9947% | 4,783 |
| Retained earnings to average equity (ytd only) | 3.9947% | 3,667 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8642% | 1,217 |
| Assets per employee ($millions) | 4.6969% | 2,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7183% | 7,167 |
| Loan loss allowance to noncurrent loans | 734.2105% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0578% | 7,199 |
| Noncurrent loans to loans | 0.0978% | 6,990 |
| Net loans and leases to total assets | 58.6456% | 5,160 |
| Net loans and leases to deposits | 68.7410% | 5,320 |
| Net loans and leases to core deposits | 72.4011% | 5,466 |
| Total domestic deposits to total assets | 85.3139% | 3,458 |
| Equity capital to assets | 12.5312% | 1,838 |
| Core capital (leverage) ratio | 12.0129% | 1,665 |
| Tier 1 risk-based capital ratio | 28.1517% | 620 |
| Total risk-based capital ratio | 29.1478% | 618 |
| Memoranda: | ||
| Average total assets | $65,324,750 | 6,088 |
| Average earning assets | $60,692,500 | 6,038 |
| Average equity | $8,044,000 | 5,772 |
| Average total loans | $38,649,750 | 6,061 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7140% | 6,098 |
| Cost of funding earning assets | 1.4169% | 3,769 |
| Net interest margin | 3.2972% | 6,027 |
| Noninterest income to average assets | 0.1810% | 6,616 |
| Noninterest expense to average assets | 3.0193% | 3,638 |
| Loan and lease loss provision to assets | -0.1350% | 7,775 |
| Net operating income to assets | 0.3248% | 5,091 |
| Return on assets (ROA) | 0.5308% | 4,346 |
| Pretax return on assets | 0.5769% | 4,642 |
| Return on Equity (ROE) | 4.3366% | 4,626 |
| Retained earnings to average equity (ytd only) | 4.3366% | 3,315 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2701% | 1,106 |
| Assets per employee ($millions) | 4.6342% | 2,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7328% | 7,182 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 60.1319% | 5,031 |
| Net loans and leases to deposits | 70.3216% | 5,226 |
| Net loans and leases to core deposits | 73.7904% | 5,468 |
| Total domestic deposits to total assets | 85.5099% | 3,367 |
| Equity capital to assets | 12.4200% | 1,851 |
| Core capital (leverage) ratio | 11.9563% | 1,664 |
| Tier 1 risk-based capital ratio | 27.6405% | 656 |
| Total risk-based capital ratio | 28.6588% | 656 |
| Memoranda: | ||
| Average total assets | $65,181,000 | 6,133 |
| Average earning assets | $60,415,670 | 6,086 |
| Average equity | $7,978,670 | 5,814 |
| Average total loans | $38,585,670 | 6,112 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7243% | 6,156 |
| Cost of funding earning assets | 1.4511% | 3,871 |
| Net interest margin | 3.2732% | 6,064 |
| Noninterest income to average assets | 0.1408% | 6,970 |
| Noninterest expense to average assets | 2.8899% | 4,103 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2130% | 5,635 |
| Return on assets (ROA) | 0.5572% | 4,242 |
| Pretax return on assets | 0.7225% | 4,158 |
| Return on Equity (ROE) | 4.5850% | 4,599 |
| Retained earnings to average equity (ytd only) | 4.5850% | 3,393 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2959% | 1,329 |
| Assets per employee ($millions) | 5.0413% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7584% | 7,226 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 58.5059% | 5,345 |
| Net loans and leases to deposits | 69.3088% | 5,433 |
| Net loans and leases to core deposits | 73.9071% | 5,504 |
| Total domestic deposits to total assets | 84.4134% | 3,942 |
| Equity capital to assets | 12.1016% | 1,987 |
| Core capital (leverage) ratio | 12.0750% | 1,612 |
| Tier 1 risk-based capital ratio | 26.2899% | 752 |
| Total risk-based capital ratio | 27.2857% | 757 |
| Memoranda: | ||
| Average total assets | $65,332,000 | 6,198 |
| Average earning assets | $60,369,000 | 6,154 |
| Average equity | $7,939,000 | 5,870 |
| Average total loans | $38,228,000 | 6,202 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1277% | 5,969 |
| Cost of funding earning assets | 1.8765% | 3,586 |
| Net interest margin | 3.2513% | 5,926 |
| Noninterest income to average assets | 0.2462% | 6,338 |
| Noninterest expense to average assets | 2.6982% | 5,404 |
| Loan and lease loss provision to assets | 0.1826% | 5,876 |
| Net operating income to assets | 0.4256% | 4,026 |
| Return on assets (ROA) | 0.4320% | 4,112 |
| Pretax return on assets | 0.3875% | 4,529 |
| Return on Equity (ROE) | 3.5351% | 4,271 |
| Retained earnings to average equity (ytd only) | 3.5351% | 2,702 |
| Net charge-offs to loans | 0.0111% | 7,078 |
| Credit loss provision to net charge-offs | 2,875.0000% | 123 |
| Earnings coverage of net charge-offs (x) | 88.7500% | 309 |
| Efficiency ratio | 82.7167% | 2,516 |
| Assets per employee ($millions) | 5.0098% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 6,896 |
| Loan loss allowance to noncurrent loans | 518.7500% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0983% | 7,254 |
| Noncurrent loans to loans | 0.1692% | 7,002 |
| Net loans and leases to total assets | 57.5614% | 5,734 |
| Net loans and leases to deposits | 69.5562% | 5,665 |
| Net loans and leases to core deposits | 85.4992% | 5,574 |
| Total domestic deposits to total assets | 82.7552% | 4,639 |
| Equity capital to assets | 12.2023% | 1,909 |
| Core capital (leverage) ratio | 11.6731% | 1,830 |
| Tier 1 risk-based capital ratio | 26.5620% | 727 |
| Total risk-based capital ratio | 27.7156% | 720 |
| Memoranda: | ||
| Average total assets | $62,968,600 | 6,240 |
| Average earning assets | $58,407,800 | 6,205 |
| Average equity | $7,694,200 | 6,023 |
| Average total loans | $36,009,800 | 6,308 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1664% | 6,029 |
| Cost of funding earning assets | 1.9624% | 3,556 |
| Net interest margin | 3.2039% | 6,013 |
| Noninterest income to average assets | 0.2734% | 6,277 |
| Noninterest expense to average assets | 2.7081% | 5,287 |
| Loan and lease loss provision to assets | 0.1837% | 5,529 |
| Net operating income to assets | 0.4186% | 4,324 |
| Return on assets (ROA) | 0.4271% | 4,394 |
| Pretax return on assets | 0.3609% | 4,903 |
| Return on Equity (ROE) | 3.4944% | 4,577 |
| Retained earnings to average equity (ytd only) | 3.4944% | 3,335 |
| Net charge-offs to loans | 0.0037% | 6,933 |
| Credit loss provision to net charge-offs | 8,600.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 251.6241% | 151 |
| Efficiency ratio | 83.4760% | 2,360 |
| Assets per employee ($millions) | 5.0012% | 2,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8327% | 7,016 |
| Loan loss allowance to noncurrent loans | 10,200.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 7,596 |
| Noncurrent loans to loans | 0.0082% | 7,510 |
| Net loans and leases to total assets | 56.0524% | 6,133 |
| Net loans and leases to deposits | 66.4958% | 6,264 |
| Net loans and leases to core deposits | 80.9449% | 6,274 |
| Total domestic deposits to total assets | 84.2946% | 3,583 |
| Equity capital to assets | 12.1293% | 2,170 |
| Core capital (leverage) ratio | 12.0406% | 1,787 |
| Tier 1 risk-based capital ratio | 27.5285% | 707 |
| Total risk-based capital ratio | 28.6410% | 702 |
| Memoranda: | ||
| Average total assets | $62,429,000 | 6,301 |
| Average earning assets | $57,885,500 | 6,258 |
| Average equity | $7,631,000 | 6,102 |
| Average total loans | $35,557,250 | 6,373 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3040% | 5,641 |
| Cost of funding earning assets | 2.0879% | 3,328 |
| Net interest margin | 3.2162% | 5,854 |
| Noninterest income to average assets | 0.2729% | 6,320 |
| Noninterest expense to average assets | 2.8035% | 4,946 |
| Loan and lease loss provision to assets | 0.0325% | 6,914 |
| Net operating income to assets | 0.5425% | 3,922 |
| Return on assets (ROA) | 0.5555% | 3,975 |
| Pretax return on assets | 0.4223% | 4,867 |
| Return on Equity (ROE) | 4.5322% | 4,288 |
| Retained earnings to average equity (ytd only) | 4.5322% | 2,772 |
| Net charge-offs to loans | 0.0114% | 6,401 |
| Credit loss provision to net charge-offs | 500.0000% | 917 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 542 |
| Efficiency ratio | 86.3864% | 2,187 |
| Assets per employee ($millions) | 5.0983% | 1,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6516% | 7,544 |
| Loan loss allowance to noncurrent loans | 375.4098% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 7,332 |
| Noncurrent loans to loans | 0.1736% | 7,087 |
| Net loans and leases to total assets | 57.0660% | 6,081 |
| Net loans and leases to deposits | 68.1721% | 6,171 |
| Net loans and leases to core deposits | 84.6540% | 6,036 |
| Total domestic deposits to total assets | 83.7087% | 3,917 |
| Equity capital to assets | 12.5433% | 1,902 |
| Core capital (leverage) ratio | 12.2187% | 1,739 |
| Tier 1 risk-based capital ratio | 28.7407% | 677 |
| Total risk-based capital ratio | 29.6133% | 687 |
| Memoranda: | ||
| Average total assets | $61,566,670 | 6,391 |
| Average earning assets | $56,900,330 | 6,351 |
| Average equity | $7,546,000 | 6,164 |
| Average total loans | $35,160,000 | 6,449 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3974% | 5,439 |
| Cost of funding earning assets | 2.2151% | 3,089 |
| Net interest margin | 3.1824% | 5,918 |
| Noninterest income to average assets | 0.2332% | 6,600 |
| Noninterest expense to average assets | 2.7526% | 4,768 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4663% | 4,586 |
| Return on assets (ROA) | 0.4922% | 4,641 |
| Pretax return on assets | 0.4469% | 5,252 |
| Return on Equity (ROE) | 4.0631% | 4,898 |
| Retained earnings to average equity (ytd only) | 4.0631% | 3,635 |
| Net charge-offs to loans | 0.0227% | 5,242 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 32.5000% | 1,001 |
| Efficiency ratio | 86.7347% | 1,991 |
| Assets per employee ($millions) | 5.5744% | 1,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6238% | 7,620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 56.8936% | 6,108 |
| Net loans and leases to deposits | 67.7951% | 6,204 |
| Net loans and leases to core deposits | 85.3982% | 5,957 |
| Total domestic deposits to total assets | 83.9199% | 3,748 |
| Equity capital to assets | 12.3732% | 2,045 |
| Core capital (leverage) ratio | 12.0847% | 1,864 |
| Tier 1 risk-based capital ratio | 27.7565% | 774 |
| Total risk-based capital ratio | 28.5725% | 773 |
| Memoranda: | ||
| Average total assets | $61,760,000 | 6,410 |
| Average earning assets | $57,064,000 | 6,373 |
| Average equity | $7,482,000 | 6,227 |
| Average total loans | $35,169,000 | 6,482 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3444% | 7,547 |
| Cost of funding earning assets | 2.4911% | 4,254 |
| Net interest margin | 2.8533% | 7,247 |
| Noninterest income to average assets | 0.1740% | 7,184 |
| Noninterest expense to average assets | 2.4936% | 6,035 |
| Loan and lease loss provision to assets | 0.0341% | 6,979 |
| Net operating income to assets | 0.3360% | 5,416 |
| Return on assets (ROA) | 0.3531% | 5,150 |
| Pretax return on assets | 0.3104% | 5,489 |
| Return on Equity (ROE) | 2.8822% | 5,281 |
| Retained earnings to average equity (ytd only) | 2.8822% | 3,385 |
| Net charge-offs to loans | -0.0033% | 7,767 |
| Credit loss provision to net charge-offs | -2,000.0000% | 7,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3918% | 1,643 |
| Assets per employee ($millions) | 5.6547% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6273% | 7,617 |
| Loan loss allowance to noncurrent loans | 138.9937% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 6,556 |
| Noncurrent loans to loans | 0.4513% | 5,993 |
| Net loans and leases to total assets | 56.2876% | 6,399 |
| Net loans and leases to deposits | 69.1063% | 6,362 |
| Net loans and leases to core deposits | 87.6615% | 6,004 |
| Total domestic deposits to total assets | 81.4508% | 4,433 |
| Equity capital to assets | 11.8597% | 2,381 |
| Core capital (leverage) ratio | 11.8599% | 2,049 |
| Tier 1 risk-based capital ratio | 27.0096% | 827 |
| Total risk-based capital ratio | 27.8156% | 839 |
| Memoranda: | ||
| Average total assets | $58,630,000 | 6,425 |
| Average earning assets | $54,393,400 | 6,393 |
| Average equity | $7,182,000 | 6,390 |
| Average total loans | $30,079,400 | 6,707 |