Home > Bank of Jena > Performance and Condition Ratios
Bank of Jena, Performance and Condition Ratios
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3325% | 2,489 |
| Cost of funding earning assets | 0.2846% | 5,051 |
| Net interest margin | 4.0479% | 1,729 |
| Noninterest income to average assets | 1.0441% | 1,125 |
| Noninterest expense to average assets | 3.7455% | 1,048 |
| Loan and lease loss provision to assets | 0.0188% | 4,030 |
| Net operating income to assets | 0.8390% | 3,236 |
| Return on assets (ROA) | 0.8390% | 3,326 |
| Pretax return on assets | 0.8390% | 4,221 |
| Return on Equity (ROE) | 10.0972% | 2,172 |
| Retained earnings to average equity (ytd only) | 7.3126% | 1,663 |
| Net charge-offs to loans | 0.1250% | 2,553 |
| Credit loss provision to net charge-offs | 32.2581% | 3,420 |
| Earnings coverage of net charge-offs (x) | 14.7104% | 2,118 |
| Efficiency ratio | 81.3649% | 1,698 |
| Assets per employee ($millions) | 2.2425% | 6,367 |
| Cash dividends to net income (ytd only)* | 27.5792% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5381% | 6,295 |
| Loan loss allowance to noncurrent loans | 13.6143% | 6,003 |
| Noncurrent assets plus other real estate owned to assets | 2.5530% | 1,013 |
| Noncurrent loans to loans | 3.9523% | 546 |
| Net loans and leases to total assets | 43.2748% | 5,577 |
| Net loans and leases to deposits | 47.9873% | 5,761 |
| Net loans and leases to core deposits | 48.3873% | 5,865 |
| Total domestic deposits to total assets | 90.1798% | 648 |
| Equity capital to assets | 8.7375% | 5,610 |
| Core capital (leverage) ratio | 8.4203% | 5,738 |
| Tier 1 risk-based capital ratio | 16.9820% | 2,629 |
| Total risk-based capital ratio | 17.4406% | 2,918 |
| Memoranda: | ||
| Average total assets | $70,873,500 | 5,320 |
| Average earning assets | $62,318,500 | 5,394 |
| Average equity | $5,889,250 | 5,698 |
| Average total loans | $33,066,750 | 5,488 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3206% | 2,518 |
| Cost of funding earning assets | 0.2913% | 5,063 |
| Net interest margin | 4.0293% | 1,727 |
| Noninterest income to average assets | 1.0173% | 1,151 |
| Noninterest expense to average assets | 3.7150% | 1,117 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8303% | 3,176 |
| Return on assets (ROA) | 0.8303% | 3,272 |
| Pretax return on assets | 0.8303% | 4,156 |
| Return on Equity (ROE) | 10.1695% | 2,070 |
| Retained earnings to average equity (ytd only) | 9.3018% | 885 |
| Net charge-offs to loans | 0.1841% | 1,921 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 9.4516% | 2,356 |
| Efficiency ratio | 81.7332% | 1,773 |
| Assets per employee ($millions) | 2.3028% | 6,400 |
| Cash dividends to net income (ytd only)* | 8.5324% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4667% | 6,448 |
| Loan loss allowance to noncurrent loans | 12.1820% | 6,070 |
| Noncurrent assets plus other real estate owned to assets | 2.5717% | 1,073 |
| Noncurrent loans to loans | 3.8308% | 640 |
| Net loans and leases to total assets | 45.7320% | 5,391 |
| Net loans and leases to deposits | 50.6828% | 5,582 |
| Net loans and leases to core deposits | 50.6828% | 5,754 |
| Total domestic deposits to total assets | 90.2318% | 697 |
| Equity capital to assets | 8.3867% | 5,890 |
| Core capital (leverage) ratio | 8.5581% | 5,580 |
| Tier 1 risk-based capital ratio | 15.4503% | 3,381 |
| Total risk-based capital ratio | 15.8462% | 3,823 |
| Memoranda: | ||
| Average total assets | $70,578,000 | 5,371 |
| Average earning assets | $61,797,330 | 5,461 |
| Average equity | $5,762,330 | 5,761 |
| Average total loans | $33,681,670 | 5,507 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3889% | 2,179 |
| Cost of funding earning assets | 0.2948% | 5,122 |
| Net interest margin | 4.0941% | 1,468 |
| Noninterest income to average assets | 1.0084% | 1,113 |
| Noninterest expense to average assets | 3.7321% | 1,082 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8983% | 2,665 |
| Return on assets (ROA) | 0.8983% | 2,726 |
| Pretax return on assets | 0.8983% | 3,700 |
| Return on Equity (ROE) | 11.1641% | 1,635 |
| Retained earnings to average equity (ytd only) | 11.1641% | 720 |
| Net charge-offs to loans | 0.1667% | 1,720 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 11.0714% | 1,806 |
| Efficiency ratio | 80.6008% | 2,111 |
| Assets per employee ($millions) | 2.2473% | 6,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5210% | 6,484 |
| Loan loss allowance to noncurrent loans | 11.7845% | 6,164 |
| Noncurrent assets plus other real estate owned to assets | 2.8549% | 1,026 |
| Noncurrent loans to loans | 4.4211% | 563 |
| Net loans and leases to total assets | 46.4651% | 5,280 |
| Net loans and leases to deposits | 51.2658% | 5,500 |
| Net loans and leases to core deposits | 51.2658% | 5,673 |
| Total domestic deposits to total assets | 90.6358% | 722 |
| Equity capital to assets | 8.0320% | 6,035 |
| Core capital (leverage) ratio | 8.5035% | 5,638 |
| Tier 1 risk-based capital ratio | 15.2844% | 3,558 |
| Total risk-based capital ratio | 15.7262% | 3,975 |
| Memoranda: | ||
| Average total assets | $69,023,000 | 5,470 |
| Average earning assets | $61,063,500 | 5,539 |
| Average equity | $5,553,500 | 5,850 |
| Average total loans | $33,594,000 | 5,567 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9652% | 4,218 |
| Cost of funding earning assets | 0.2998% | 5,599 |
| Net interest margin | 3.6654% | 3,201 |
| Noninterest income to average assets | 0.8345% | 1,918 |
| Noninterest expense to average assets | 3.6306% | 1,397 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4651% | 4,889 |
| Return on assets (ROA) | 0.4897% | 4,920 |
| Pretax return on assets | 0.4897% | 5,230 |
| Return on Equity (ROE) | 5.9993% | 4,086 |
| Retained earnings to average equity (ytd only) | -0.1341% | 5,899 |
| Net charge-offs to loans | 0.1084% | 3,745 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 9.4444% | 2,502 |
| Efficiency ratio | 88.6440% | 1,152 |
| Assets per employee ($millions) | 2.0667% | 6,621 |
| Cash dividends to net income (ytd only)* | 102.2346% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5625% | 6,509 |
| Loan loss allowance to noncurrent loans | 13.1983% | 6,259 |
| Noncurrent assets plus other real estate owned to assets | 3.0242% | 1,042 |
| Noncurrent loans to loans | 4.2620% | 650 |
| Net loans and leases to total assets | 50.5186% | 5,029 |
| Net loans and leases to deposits | 55.8481% | 5,317 |
| Net loans and leases to core deposits | 55.8481% | 5,548 |
| Total domestic deposits to total assets | 90.4573% | 843 |
| Equity capital to assets | 8.0609% | 5,971 |
| Core capital (leverage) ratio | 8.2798% | 5,896 |
| Tier 1 risk-based capital ratio | 15.2735% | 3,498 |
| Total risk-based capital ratio | 15.7629% | 3,883 |
| Memoranda: | ||
| Average total assets | $73,100,600 | 5,390 |
| Average earning assets | $65,040,800 | 5,434 |
| Average equity | $5,967,400 | 5,830 |
| Average total loans | $33,219,600 | 5,613 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8836% | 4,562 |
| Cost of funding earning assets | 0.3084% | 5,660 |
| Net interest margin | 3.5751% | 3,555 |
| Noninterest income to average assets | 0.9798% | 1,510 |
| Noninterest expense to average assets | 3.5754% | 1,442 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5843% | 4,416 |
| Return on assets (ROA) | 0.5932% | 4,509 |
| Pretax return on assets | 0.5932% | 5,042 |
| Return on Equity (ROE) | 7.2470% | 3,523 |
| Retained earnings to average equity (ytd only) | 2.4592% | 4,858 |
| Net charge-offs to loans | 0.0564% | 4,099 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 23.4237% | 1,466 |
| Efficiency ratio | 85.9529% | 1,364 |
| Assets per employee ($millions) | 2.2008% | 6,642 |
| Cash dividends to net income (ytd only)* | 66.0668% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6454% | 6,507 |
| Loan loss allowance to noncurrent loans | 14.9752% | 6,324 |
| Noncurrent assets plus other real estate owned to assets | 2.7222% | 1,381 |
| Noncurrent loans to loans | 4.3095% | 781 |
| Net loans and leases to total assets | 44.7284% | 5,653 |
| Net loans and leases to deposits | 49.3086% | 5,881 |
| Net loans and leases to core deposits | 49.3086% | 6,051 |
| Total domestic deposits to total assets | 90.7112% | 651 |
| Equity capital to assets | 7.8678% | 6,226 |
| Core capital (leverage) ratio | 8.0084% | 6,214 |
| Tier 1 risk-based capital ratio | 15.5648% | 3,441 |
| Total risk-based capital ratio | 16.1103% | 3,796 |
| Memoranda: | ||
| Average total assets | $74,842,250 | 5,408 |
| Average earning assets | $66,569,000 | 5,441 |
| Average equity | $6,126,500 | 5,859 |
| Average total loans | $33,124,750 | 5,674 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7940% | 4,848 |
| Cost of funding earning assets | 0.3231% | 5,637 |
| Net interest margin | 3.4709% | 3,920 |
| Noninterest income to average assets | 0.9394% | 1,688 |
| Noninterest expense to average assets | 3.4347% | 1,749 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6033% | 4,261 |
| Return on assets (ROA) | 0.6166% | 4,377 |
| Pretax return on assets | 0.6166% | 4,963 |
| Return on Equity (ROE) | 7.4393% | 3,373 |
| Retained earnings to average equity (ytd only) | 7.4393% | 1,695 |
| Net charge-offs to loans | 0.0902% | 3,466 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 15.2000% | 1,760 |
| Efficiency ratio | 85.0590% | 1,523 |
| Assets per employee ($millions) | 2.3099% | 6,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6424% | 6,563 |
| Loan loss allowance to noncurrent loans | 15.7776% | 6,369 |
| Noncurrent assets plus other real estate owned to assets | 2.5691% | 1,633 |
| Noncurrent loans to loans | 4.0718% | 946 |
| Net loans and leases to total assets | 43.9385% | 5,745 |
| Net loans and leases to deposits | 48.6183% | 5,941 |
| Net loans and leases to core deposits | 49.5394% | 6,046 |
| Total domestic deposits to total assets | 90.3743% | 821 |
| Equity capital to assets | 7.9359% | 6,241 |
| Core capital (leverage) ratio | 8.1072% | 6,100 |
| Tier 1 risk-based capital ratio | 16.1473% | 3,120 |
| Total risk-based capital ratio | 16.6995% | 3,469 |
| Memoranda: | ||
| Average total assets | $75,581,330 | 5,423 |
| Average earning assets | $67,474,330 | 5,459 |
| Average equity | $6,264,000 | 5,862 |
| Average total loans | $33,268,000 | 5,702 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7387% | 5,027 |
| Cost of funding earning assets | 0.3399% | 5,638 |
| Net interest margin | 3.3988% | 4,124 |
| Noninterest income to average assets | 0.8585% | 1,901 |
| Noninterest expense to average assets | 3.2664% | 2,171 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6282% | 4,087 |
| Return on assets (ROA) | 0.6439% | 4,159 |
| Pretax return on assets | 0.6439% | 4,792 |
| Return on Equity (ROE) | 7.6126% | 3,156 |
| Retained earnings to average equity (ytd only) | 7.6126% | 1,892 |
| Net charge-offs to loans | 0.1073% | 2,802 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 13.3333% | 1,533 |
| Efficiency ratio | 83.8710% | 1,784 |
| Assets per employee ($millions) | 2.4435% | 6,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6637% | 6,636 |
| Loan loss allowance to noncurrent loans | 14.0169% | 6,455 |
| Noncurrent assets plus other real estate owned to assets | 2.6179% | 1,741 |
| Noncurrent loans to loans | 4.7350% | 841 |
| Net loans and leases to total assets | 41.3451% | 5,886 |
| Net loans and leases to deposits | 45.8776% | 6,061 |
| Net loans and leases to core deposits | 48.8944% | 6,042 |
| Total domestic deposits to total assets | 90.1206% | 973 |
| Equity capital to assets | 8.2859% | 6,198 |
| Core capital (leverage) ratio | 7.9994% | 6,145 |
| Tier 1 risk-based capital ratio | 15.9253% | 3,312 |
| Total risk-based capital ratio | 16.4869% | 3,638 |
| Memoranda: | ||
| Average total assets | $76,413,500 | 5,452 |
| Average earning assets | $68,259,000 | 5,483 |
| Average equity | $6,463,000 | 5,876 |
| Average total loans | $33,558,000 | 5,724 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0421% | 5,180 |
| Cost of funding earning assets | 0.3728% | 6,088 |
| Net interest margin | 3.6693% | 3,784 |
| Noninterest income to average assets | 0.8079% | 2,231 |
| Noninterest expense to average assets | 3.4029% | 2,039 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7113% | 3,690 |
| Return on assets (ROA) | 0.8582% | 3,251 |
| Pretax return on assets | 0.8582% | 4,074 |
| Return on Equity (ROE) | 9.7149% | 2,304 |
| Retained earnings to average equity (ytd only) | 3.2178% | 3,958 |
| Net charge-offs to loans | 0.0620% | 5,078 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 24.9048% | 1,156 |
| Efficiency ratio | 82.7107% | 1,786 |
| Assets per employee ($millions) | 2.4878% | 6,627 |
| Cash dividends to net income (ytd only)* | 66.8780% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6508% | 6,700 |
| Loan loss allowance to noncurrent loans | 16.6174% | 6,457 |
| Noncurrent assets plus other real estate owned to assets | 2.4922% | 1,963 |
| Noncurrent loans to loans | 3.9166% | 1,221 |
| Net loans and leases to total assets | 46.0192% | 5,611 |
| Net loans and leases to deposits | 51.3155% | 5,866 |
| Net loans and leases to core deposits | 54.8807% | 5,805 |
| Total domestic deposits to total assets | 89.6790% | 1,139 |
| Equity capital to assets | 8.6382% | 5,920 |
| Core capital (leverage) ratio | 7.9464% | 6,243 |
| Tier 1 risk-based capital ratio | 14.9440% | 3,748 |
| Total risk-based capital ratio | 15.5041% | 4,159 |
| Memoranda: | ||
| Average total assets | $73,525,400 | 5,531 |
| Average earning assets | $66,252,600 | 5,542 |
| Average equity | $6,495,200 | 5,892 |
| Average total loans | $33,894,800 | 5,763 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0544% | 5,348 |
| Cost of funding earning assets | 0.3857% | 6,197 |
| Net interest margin | 3.6687% | 3,925 |
| Noninterest income to average assets | 0.9229% | 1,754 |
| Noninterest expense to average assets | 3.4221% | 1,951 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8082% | 3,412 |
| Return on assets (ROA) | 0.8082% | 3,655 |
| Pretax return on assets | 0.8082% | 4,455 |
| Return on Equity (ROE) | 9.0974% | 2,747 |
| Retained earnings to average equity (ytd only) | 5.2863% | 3,164 |
| Net charge-offs to loans | 0.0830% | 4,565 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 21.1425% | 1,418 |
| Efficiency ratio | 80.8950% | 1,955 |
| Assets per employee ($millions) | 2.2784% | 6,873 |
| Cash dividends to net income (ytd only)* | 41.8909% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6464% | 6,811 |
| Loan loss allowance to noncurrent loans | 10.1078% | 6,647 |
| Noncurrent assets plus other real estate owned to assets | 3.1422% | 1,647 |
| Noncurrent loans to loans | 6.3947% | 603 |
| Net loans and leases to total assets | 47.4352% | 5,616 |
| Net loans and leases to deposits | 53.3184% | 5,866 |
| Net loans and leases to core deposits | 57.1492% | 5,794 |
| Total domestic deposits to total assets | 88.9658% | 1,450 |
| Equity capital to assets | 9.2443% | 5,544 |
| Core capital (leverage) ratio | 8.2376% | 6,096 |
| Tier 1 risk-based capital ratio | 15.3134% | 3,639 |
| Total risk-based capital ratio | 15.8827% | 4,061 |
| Memoranda: | ||
| Average total assets | $73,248,250 | 5,594 |
| Average earning assets | $66,033,750 | 5,616 |
| Average equity | $6,507,250 | 5,957 |
| Average total loans | $33,725,750 | 5,842 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0492% | 5,488 |
| Cost of funding earning assets | 0.3956% | 6,287 |
| Net interest margin | 3.6536% | 4,019 |
| Noninterest income to average assets | 0.9051% | 1,768 |
| Noninterest expense to average assets | 3.3833% | 2,072 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8206% | 3,301 |
| Return on assets (ROA) | 0.8206% | 3,557 |
| Pretax return on assets | 0.8206% | 4,399 |
| Return on Equity (ROE) | 9.3628% | 2,639 |
| Retained earnings to average equity (ytd only) | 3.5772% | 4,213 |
| Net charge-offs to loans | 0.1319% | 3,871 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 13.6818% | 1,772 |
| Efficiency ratio | 80.4799% | 2,105 |
| Assets per employee ($millions) | 2.3453% | 6,866 |
| Cash dividends to net income (ytd only)* | 61.7940% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6688% | 6,861 |
| Loan loss allowance to noncurrent loans | 13.3254% | 6,668 |
| Noncurrent assets plus other real estate owned to assets | 2.4016% | 2,327 |
| Noncurrent loans to loans | 5.0191% | 979 |
| Net loans and leases to total assets | 45.7588% | 5,843 |
| Net loans and leases to deposits | 51.4602% | 6,063 |
| Net loans and leases to core deposits | 55.1315% | 6,014 |
| Total domestic deposits to total assets | 88.9207% | 1,557 |
| Equity capital to assets | 8.9584% | 5,745 |
| Core capital (leverage) ratio | 7.9531% | 6,319 |
| Tier 1 risk-based capital ratio | 15.1788% | 3,649 |
| Total risk-based capital ratio | 15.7541% | 4,064 |
| Memoranda: | ||
| Average total assets | $73,361,000 | 5,626 |
| Average earning assets | $66,235,330 | 5,638 |
| Average equity | $6,429,670 | 6,005 |
| Average total loans | $33,364,330 | 5,896 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0947% | 5,476 |
| Cost of funding earning assets | 0.3963% | 6,426 |
| Net interest margin | 3.6984% | 3,839 |
| Noninterest income to average assets | 0.8576% | 1,916 |
| Noninterest expense to average assets | 3.3383% | 2,175 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8631% | 3,089 |
| Return on assets (ROA) | 0.8631% | 3,323 |
| Pretax return on assets | 0.8631% | 4,180 |
| Return on Equity (ROE) | 9.9562% | 2,420 |
| Retained earnings to average equity (ytd only) | 9.9562% | 1,279 |
| Net charge-offs to loans | 0.2402% | 2,733 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 7.9500% | 2,018 |
| Efficiency ratio | 79.4574% | 2,276 |
| Assets per employee ($millions) | 2.2645% | 7,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6945% | 6,883 |
| Loan loss allowance to noncurrent loans | 12.3565% | 6,727 |
| Noncurrent assets plus other real estate owned to assets | 2.5345% | 2,338 |
| Noncurrent loans to loans | 5.6206% | 937 |
| Net loans and leases to total assets | 43.2429% | 6,078 |
| Net loans and leases to deposits | 48.4301% | 6,266 |
| Net loans and leases to core deposits | 51.7703% | 6,224 |
| Total domestic deposits to total assets | 89.2893% | 1,487 |
| Equity capital to assets | 8.7128% | 5,858 |
| Core capital (leverage) ratio | 7.9145% | 6,327 |
| Tier 1 risk-based capital ratio | 14.6042% | 4,018 |
| Total risk-based capital ratio | 15.1586% | 4,508 |
| Memoranda: | ||
| Average total assets | $73,690,000 | 5,658 |
| Average earning assets | $66,623,500 | 5,666 |
| Average equity | $6,388,000 | 6,048 |
| Average total loans | $33,300,500 | 5,948 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5453% | 4,895 |
| Cost of funding earning assets | 0.4753% | 6,633 |
| Net interest margin | 4.0700% | 2,567 |
| Noninterest income to average assets | 0.6873% | 2,678 |
| Noninterest expense to average assets | 3.6032% | 1,734 |
| Loan and lease loss provision to assets | 0.1377% | 4,896 |
| Net operating income to assets | 0.6090% | 3,956 |
| Return on assets (ROA) | 0.7598% | 3,377 |
| Pretax return on assets | 0.7598% | 4,120 |
| Return on Equity (ROE) | 8.7476% | 2,567 |
| Retained earnings to average equity (ytd only) | 3.5892% | 3,668 |
| Net charge-offs to loans | 0.0336% | 5,976 |
| Credit loss provision to net charge-offs | 863.6364% | 260 |
| Earnings coverage of net charge-offs (x) | 46.8182% | 593 |
| Efficiency ratio | 82.8333% | 1,910 |
| Assets per employee ($millions) | 2.2015% | 7,077 |
| Cash dividends to net income (ytd only)* | 58.9695% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7223% | 6,876 |
| Loan loss allowance to noncurrent loans | 12.8796% | 6,777 |
| Noncurrent assets plus other real estate owned to assets | 2.7377% | 2,221 |
| Noncurrent loans to loans | 5.6078% | 937 |
| Net loans and leases to total assets | 46.5431% | 5,959 |
| Net loans and leases to deposits | 52.0953% | 6,206 |
| Net loans and leases to core deposits | 56.0270% | 6,155 |
| Total domestic deposits to total assets | 89.3422% | 1,336 |
| Equity capital to assets | 8.6234% | 5,988 |
| Core capital (leverage) ratio | 7.8997% | 6,359 |
| Tier 1 risk-based capital ratio | 14.4373% | 4,015 |
| Total risk-based capital ratio | 15.0502% | 4,438 |
| Memoranda: | ||
| Average total assets | $68,967,200 | 5,777 |
| Average earning assets | $62,063,800 | 5,804 |
| Average equity | $5,990,200 | 6,162 |
| Average total loans | $32,741,200 | 6,027 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5965% | 4,877 |
| Cost of funding earning assets | 0.4967% | 6,705 |
| Net interest margin | 4.0998% | 2,477 |
| Noninterest income to average assets | 0.8327% | 1,914 |
| Noninterest expense to average assets | 3.6837% | 1,528 |
| Loan and lease loss provision to assets | 0.0098% | 6,307 |
| Net operating income to assets | 0.8269% | 3,035 |
| Return on assets (ROA) | 1.0052% | 2,452 |
| Pretax return on assets | 1.0052% | 3,379 |
| Return on Equity (ROE) | 11.5508% | 1,661 |
| Retained earnings to average equity (ytd only) | 8.8263% | 1,207 |
| Net charge-offs to loans | 0.0411% | 5,579 |
| Credit loss provision to net charge-offs | 50.0000% | 5,036 |
| Earnings coverage of net charge-offs (x) | 42.7097% | 740 |
| Efficiency ratio | 81.4911% | 2,042 |
| Assets per employee ($millions) | 1.9959% | 7,241 |
| Cash dividends to net income (ytd only)* | 23.5869% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4610% | 7,185 |
| Loan loss allowance to noncurrent loans | 12.5299% | 6,862 |
| Noncurrent assets plus other real estate owned to assets | 1.8867% | 3,285 |
| Noncurrent loans to loans | 3.6796% | 1,860 |
| Net loans and leases to total assets | 48.5220% | 5,890 |
| Net loans and leases to deposits | 55.0447% | 6,119 |
| Net loans and leases to core deposits | 59.5984% | 6,019 |
| Total domestic deposits to total assets | 88.1501% | 1,953 |
| Equity capital to assets | 9.3162% | 5,354 |
| Core capital (leverage) ratio | 8.6825% | 5,435 |
| Tier 1 risk-based capital ratio | 15.2269% | 3,536 |
| Total risk-based capital ratio | 15.6272% | 4,037 |
| Memoranda: | ||
| Average total assets | $68,046,250 | 5,838 |
| Average earning assets | $61,204,750 | 5,861 |
| Average equity | $5,921,500 | 6,218 |
| Average total loans | $32,411,500 | 6,110 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5536% | 5,161 |
| Cost of funding earning assets | 0.5169% | 6,790 |
| Net interest margin | 4.0367% | 2,664 |
| Noninterest income to average assets | 0.8066% | 1,990 |
| Noninterest expense to average assets | 3.6624% | 1,600 |
| Loan and lease loss provision to assets | 0.0148% | 6,098 |
| Net operating income to assets | 0.7651% | 3,220 |
| Return on assets (ROA) | 0.7651% | 3,351 |
| Pretax return on assets | 0.7651% | 4,159 |
| Return on Equity (ROE) | 9.0115% | 2,509 |
| Retained earnings to average equity (ytd only) | 9.0115% | 1,105 |
| Net charge-offs to loans | 0.0628% | 5,020 |
| Credit loss provision to net charge-offs | 50.0000% | 4,583 |
| Earnings coverage of net charge-offs (x) | 26.3000% | 1,021 |
| Efficiency ratio | 82.4433% | 2,036 |
| Assets per employee ($millions) | 2.0722% | 7,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4870% | 7,238 |
| Loan loss allowance to noncurrent loans | 13.8448% | 6,888 |
| Noncurrent assets plus other real estate owned to assets | 1.7841% | 3,532 |
| Noncurrent loans to loans | 3.5177% | 2,010 |
| Net loans and leases to total assets | 46.9136% | 6,158 |
| Net loans and leases to deposits | 53.1328% | 6,378 |
| Net loans and leases to core deposits | 57.5725% | 6,301 |
| Total domestic deposits to total assets | 88.2950% | 1,964 |
| Equity capital to assets | 9.1078% | 5,426 |
| Core capital (leverage) ratio | 8.6113% | 5,380 |
| Tier 1 risk-based capital ratio | 15.5655% | 3,207 |
| Total risk-based capital ratio | 15.9841% | 3,622 |
| Memoranda: | ||
| Average total assets | $67,442,670 | 5,905 |
| Average earning assets | $60,743,000 | 5,928 |
| Average equity | $5,726,000 | 6,308 |
| Average total loans | $31,864,330 | 6,207 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4413% | 5,551 |
| Cost of funding earning assets | 0.5303% | 6,863 |
| Net interest margin | 3.9110% | 3,086 |
| Noninterest income to average assets | 0.7824% | 2,103 |
| Noninterest expense to average assets | 3.6432% | 1,667 |
| Loan and lease loss provision to assets | 0.0299% | 5,593 |
| Net operating income to assets | 0.6331% | 3,846 |
| Return on assets (ROA) | 0.6331% | 3,917 |
| Pretax return on assets | 0.6331% | 4,560 |
| Return on Equity (ROE) | 7.7443% | 3,033 |
| Retained earnings to average equity (ytd only) | 7.7443% | 1,832 |
| Net charge-offs to loans | 0.1010% | 3,940 |
| Credit loss provision to net charge-offs | 62.5000% | 3,499 |
| Earnings coverage of net charge-offs (x) | 13.8750% | 1,400 |
| Efficiency ratio | 84.6047% | 1,884 |
| Assets per employee ($millions) | 2.0580% | 7,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5096% | 7,273 |
| Loan loss allowance to noncurrent loans | 14.0212% | 6,944 |
| Noncurrent assets plus other real estate owned to assets | 1.7964% | 3,580 |
| Noncurrent loans to loans | 3.6346% | 2,042 |
| Net loans and leases to total assets | 45.7070% | 6,312 |
| Net loans and leases to deposits | 51.2388% | 6,534 |
| Net loans and leases to core deposits | 55.1125% | 6,477 |
| Total domestic deposits to total assets | 89.2038% | 1,645 |
| Equity capital to assets | 8.1825% | 6,305 |
| Core capital (leverage) ratio | 8.1137% | 6,107 |
| Tier 1 risk-based capital ratio | 15.6243% | 3,088 |
| Total risk-based capital ratio | 16.0612% | 3,501 |
| Memoranda: | ||
| Average total assets | $66,973,500 | 5,970 |
| Average earning assets | $60,342,500 | 5,984 |
| Average equity | $5,475,000 | 6,396 |
| Average total loans | $31,678,000 | 6,261 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8478% | 5,237 |
| Cost of funding earning assets | 0.6708% | 6,958 |
| Net interest margin | 4.1770% | 2,269 |
| Noninterest income to average assets | 0.6815% | 2,957 |
| Noninterest expense to average assets | 3.8155% | 1,453 |
| Loan and lease loss provision to assets | 0.0982% | 6,162 |
| Net operating income to assets | 0.4941% | 4,127 |
| Return on assets (ROA) | 0.5682% | 3,969 |
| Pretax return on assets | 0.5682% | 4,425 |
| Return on Equity (ROE) | 6.5369% | 3,323 |
| Retained earnings to average equity (ytd only) | -0.2782% | 5,665 |
| Net charge-offs to loans | 0.4314% | 3,894 |
| Credit loss provision to net charge-offs | 46.0993% | 6,314 |
| Earnings coverage of net charge-offs (x) | 2.7801% | 3,682 |
| Efficiency ratio | 86.5615% | 1,620 |
| Assets per employee ($millions) | 1.9422% | 7,441 |
| Cash dividends to net income (ytd only)* | 104.2553% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5038% | 7,353 |
| Loan loss allowance to noncurrent loans | 13.2461% | 7,032 |
| Noncurrent assets plus other real estate owned to assets | 1.9505% | 3,411 |
| Noncurrent loans to loans | 3.8033% | 1,941 |
| Net loans and leases to total assets | 48.4508% | 6,344 |
| Net loans and leases to deposits | 54.3072% | 6,587 |
| Net loans and leases to core deposits | 59.1080% | 6,467 |
| Total domestic deposits to total assets | 89.2162% | 1,530 |
| Equity capital to assets | 8.1670% | 6,300 |
| Core capital (leverage) ratio | 8.0573% | 6,104 |
| Tier 1 risk-based capital ratio | 16.0337% | 2,732 |
| Total risk-based capital ratio | 16.4991% | 3,077 |
| Memoranda: | ||
| Average total assets | $66,176,800 | 5,994 |
| Average earning assets | $59,037,000 | 6,023 |
| Average equity | $5,752,000 | 6,446 |
| Average total loans | $32,687,000 | 6,276 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8792% | 5,365 |
| Cost of funding earning assets | 0.7080% | 7,040 |
| Net interest margin | 4.1712% | 2,329 |
| Noninterest income to average assets | 0.8840% | 1,857 |
| Noninterest expense to average assets | 3.8441% | 1,289 |
| Loan and lease loss provision to assets | 0.0906% | 6,131 |
| Net operating income to assets | 0.6625% | 3,592 |
| Return on assets (ROA) | 0.7612% | 3,327 |
| Pretax return on assets | 0.7612% | 4,048 |
| Return on Equity (ROE) | 8.6274% | 2,639 |
| Retained earnings to average equity (ytd only) | -0.2967% | 5,859 |
| Net charge-offs to loans | 0.5566% | 3,083 |
| Credit loss provision to net charge-offs | 32.8467% | 6,125 |
| Earnings coverage of net charge-offs (x) | 2.7299% | 3,782 |
| Efficiency ratio | 83.6180% | 1,876 |
| Assets per employee ($millions) | 1.9775% | 7,528 |
| Cash dividends to net income (ytd only)* | 103.4386% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4456% | 7,497 |
| Loan loss allowance to noncurrent loans | 11.4780% | 7,156 |
| Noncurrent assets plus other real estate owned to assets | 1.9317% | 3,572 |
| Noncurrent loans to loans | 3.8818% | 1,959 |
| Net loans and leases to total assets | 47.1334% | 6,598 |
| Net loans and leases to deposits | 52.9612% | 6,836 |
| Net loans and leases to core deposits | 57.9318% | 6,732 |
| Total domestic deposits to total assets | 88.9961% | 1,388 |
| Equity capital to assets | 8.4104% | 6,381 |
| Core capital (leverage) ratio | 8.4452% | 5,618 |
| Tier 1 risk-based capital ratio | 14.1185% | 3,749 |
| Total risk-based capital ratio | 14.4876% | 4,367 |
| Memoranda: | ||
| Average total assets | $66,212,500 | 6,060 |
| Average earning assets | $58,942,250 | 6,097 |
| Average equity | $5,841,750 | 6,502 |
| Average total loans | $32,819,750 | 6,348 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0623% | 4,651 |
| Cost of funding earning assets | 0.7306% | 7,123 |
| Net interest margin | 4.3317% | 1,663 |
| Noninterest income to average assets | 0.9323% | 1,574 |
| Noninterest expense to average assets | 3.9287% | 1,140 |
| Loan and lease loss provision to assets | 0.1227% | 5,668 |
| Net operating income to assets | 0.7361% | 3,256 |
| Return on assets (ROA) | 0.8863% | 2,723 |
| Pretax return on assets | 0.8863% | 3,554 |
| Return on Equity (ROE) | 9.8826% | 2,144 |
| Retained earnings to average equity (ytd only) | 1.4020% | 5,179 |
| Net charge-offs to loans | 0.8405% | 2,146 |
| Credit loss provision to net charge-offs | 28.9855% | 5,750 |
| Earnings coverage of net charge-offs (x) | 2.0290% | 4,010 |
| Efficiency ratio | 82.0628% | 2,158 |
| Assets per employee ($millions) | 1.7584% | 7,669 |
| Cash dividends to net income (ytd only)* | 85.8131% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4227% | 7,584 |
| Loan loss allowance to noncurrent loans | 68.6275% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 0.4249% | 6,385 |
| Noncurrent loans to loans | 0.6159% | 6,018 |
| Net loans and leases to total assets | 52.1002% | 6,202 |
| Net loans and leases to deposits | 59.5518% | 6,452 |
| Net loans and leases to core deposits | 64.4097% | 6,365 |
| Total domestic deposits to total assets | 87.4872% | 2,258 |
| Equity capital to assets | 9.2523% | 5,073 |
| Core capital (leverage) ratio | 8.6979% | 5,077 |
| Tier 1 risk-based capital ratio | 14.4671% | 3,466 |
| Total risk-based capital ratio | 14.8262% | 3,986 |
| Memoranda: | ||
| Average total assets | $65,212,670 | 6,131 |
| Average earning assets | $58,036,670 | 6,167 |
| Average equity | $5,848,670 | 6,516 |
| Average total loans | $32,837,000 | 6,390 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0099% | 4,975 |
| Cost of funding earning assets | 0.7254% | 7,279 |
| Net interest margin | 4.2845% | 1,735 |
| Noninterest income to average assets | 0.8463% | 1,826 |
| Noninterest expense to average assets | 3.8387% | 1,263 |
| Loan and lease loss provision to assets | 0.0907% | 5,726 |
| Net operating income to assets | 0.7375% | 3,273 |
| Return on assets (ROA) | 0.7375% | 3,376 |
| Pretax return on assets | 0.7375% | 4,100 |
| Return on Equity (ROE) | 8.3497% | 2,714 |
| Retained earnings to average equity (ytd only) | 8.3497% | 1,575 |
| Net charge-offs to loans | 0.7096% | 2,082 |
| Credit loss provision to net charge-offs | 25.8621% | 4,878 |
| Earnings coverage of net charge-offs (x) | 2.3621% | 3,361 |
| Efficiency ratio | 82.2539% | 2,246 |
| Assets per employee ($millions) | 1.8601% | 7,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5949% | 7,505 |
| Loan loss allowance to noncurrent loans | 59.0909% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 0.5453% | 6,138 |
| Noncurrent loans to loans | 1.0068% | 5,311 |
| Net loans and leases to total assets | 50.0476% | 6,460 |
| Net loans and leases to deposits | 57.0413% | 6,695 |
| Net loans and leases to core deposits | 62.1497% | 6,589 |
| Total domestic deposits to total assets | 87.7392% | 2,217 |
| Equity capital to assets | 9.1072% | 5,123 |
| Core capital (leverage) ratio | 8.2298% | 5,868 |
| Tier 1 risk-based capital ratio | 14.5743% | 3,337 |
| Total risk-based capital ratio | 15.0711% | 3,740 |
| Memoranda: | ||
| Average total assets | $66,167,500 | 6,165 |
| Average earning assets | $59,003,500 | 6,207 |
| Average equity | $5,844,500 | 6,571 |
| Average total loans | $32,695,000 | 6,477 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1575% | 5,842 |
| Cost of funding earning assets | 0.8788% | 7,440 |
| Net interest margin | 4.2787% | 1,784 |
| Noninterest income to average assets | 0.6641% | 3,197 |
| Noninterest expense to average assets | 3.8767% | 1,547 |
| Loan and lease loss provision to assets | 0.1368% | 6,276 |
| Net operating income to assets | 0.4833% | 3,798 |
| Return on assets (ROA) | 0.6079% | 3,370 |
| Pretax return on assets | 0.6079% | 3,883 |
| Return on Equity (ROE) | 7.0499% | 2,772 |
| Retained earnings to average equity (ytd only) | 6.4860% | 1,153 |
| Net charge-offs to loans | 0.1582% | 5,692 |
| Credit loss provision to net charge-offs | 180.0000% | 2,309 |
| Earnings coverage of net charge-offs (x) | 8.1600% | 1,987 |
| Efficiency ratio | 86.2116% | 2,087 |
| Assets per employee ($millions) | 1.8171% | 7,815 |
| Cash dividends to net income (ytd only)* | 8.0000% | 3,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7298% | 7,309 |
| Loan loss allowance to noncurrent loans | 58.7654% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 0.6024% | 5,953 |
| Noncurrent loans to loans | 1.2418% | 4,875 |
| Net loans and leases to total assets | 48.1534% | 6,800 |
| Net loans and leases to deposits | 54.4282% | 7,021 |
| Net loans and leases to core deposits | 64.1191% | 7,079 |
| Total domestic deposits to total assets | 88.4714% | 1,743 |
| Equity capital to assets | 8.5672% | 5,774 |
| Core capital (leverage) ratio | 8.4905% | 5,292 |
| Tier 1 risk-based capital ratio | 14.2919% | 3,326 |
| Total risk-based capital ratio | 14.8998% | 3,660 |
| Memoranda: | ||
| Average total assets | $65,804,000 | 6,145 |
| Average earning assets | $58,943,400 | 6,166 |
| Average equity | $5,673,800 | 6,718 |
| Average total loans | $31,600,000 | 6,549 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2042% | 5,860 |
| Cost of funding earning assets | 0.9185% | 7,524 |
| Net interest margin | 4.2857% | 1,767 |
| Noninterest income to average assets | 0.8699% | 2,102 |
| Noninterest expense to average assets | 3.8993% | 1,428 |
| Loan and lease loss provision to assets | 0.1324% | 6,038 |
| Net operating income to assets | 0.6784% | 3,282 |
| Return on assets (ROA) | 0.6784% | 3,347 |
| Pretax return on assets | 0.6784% | 3,934 |
| Return on Equity (ROE) | 7.8551% | 2,706 |
| Retained earnings to average equity (ytd only) | 7.1002% | 1,463 |
| Net charge-offs to loans | 0.1574% | 5,135 |
| Credit loss provision to net charge-offs | 175.6757% | 2,626 |
| Earnings coverage of net charge-offs (x) | 10.7571% | 1,927 |
| Efficiency ratio | 82.7855% | 2,461 |
| Assets per employee ($millions) | 1.8713% | 7,865 |
| Cash dividends to net income (ytd only)* | 9.6106% | 3,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7193% | 7,324 |
| Loan loss allowance to noncurrent loans | 56.0794% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 0.6334% | 5,863 |
| Noncurrent loans to loans | 1.2826% | 4,795 |
| Net loans and leases to total assets | 49.0310% | 6,864 |
| Net loans and leases to deposits | 56.3239% | 7,072 |
| Net loans and leases to core deposits | 66.4713% | 7,139 |
| Total domestic deposits to total assets | 87.0519% | 2,155 |
| Equity capital to assets | 9.3394% | 4,968 |
| Core capital (leverage) ratio | 8.0894% | 6,200 |
| Tier 1 risk-based capital ratio | 15.0167% | 3,032 |
| Total risk-based capital ratio | 15.6305% | 3,287 |
| Memoranda: | ||
| Average total assets | $65,446,750 | 6,196 |
| Average earning assets | $58,643,500 | 6,231 |
| Average equity | $5,652,250 | 6,797 |
| Average total loans | $31,346,750 | 6,608 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0929% | 6,464 |
| Cost of funding earning assets | 0.9391% | 7,643 |
| Net interest margin | 4.1537% | 2,146 |
| Noninterest income to average assets | 0.8205% | 2,312 |
| Noninterest expense to average assets | 3.8241% | 1,618 |
| Loan and lease loss provision to assets | 0.0757% | 6,433 |
| Net operating income to assets | 0.6570% | 3,439 |
| Return on assets (ROA) | 0.6570% | 3,550 |
| Pretax return on assets | 0.6570% | 4,137 |
| Return on Equity (ROE) | 7.8118% | 2,850 |
| Retained earnings to average equity (ytd only) | 7.8118% | 1,272 |
| Net charge-offs to loans | 0.0766% | 5,441 |
| Credit loss provision to net charge-offs | 208.3333% | 2,200 |
| Earnings coverage of net charge-offs (x) | 20.1667% | 1,324 |
| Efficiency ratio | 83.9203% | 2,482 |
| Assets per employee ($millions) | 1.9567% | 7,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6503% | 7,546 |
| Loan loss allowance to noncurrent loans | 31.5396% | 6,365 |
| Noncurrent assets plus other real estate owned to assets | 0.9769% | 5,019 |
| Noncurrent loans to loans | 2.0618% | 3,435 |
| Net loans and leases to total assets | 47.0723% | 7,120 |
| Net loans and leases to deposits | 53.3610% | 7,317 |
| Net loans and leases to core deposits | 62.6071% | 7,354 |
| Total domestic deposits to total assets | 88.2148% | 1,662 |
| Equity capital to assets | 8.2749% | 6,377 |
| Core capital (leverage) ratio | 8.0216% | 6,287 |
| Tier 1 risk-based capital ratio | 13.9444% | 3,553 |
| Total risk-based capital ratio | 14.4847% | 3,895 |
| Memoranda: | ||
| Average total assets | $66,054,670 | 6,220 |
| Average earning assets | $59,416,330 | 6,255 |
| Average equity | $5,555,670 | 6,878 |
| Average total loans | $31,322,000 | 6,650 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1378% | 6,531 |
| Cost of funding earning assets | 0.9578% | 7,740 |
| Net interest margin | 4.1800% | 1,976 |
| Noninterest income to average assets | 0.8081% | 2,283 |
| Noninterest expense to average assets | 3.7693% | 1,527 |
| Loan and lease loss provision to assets | 0.0617% | 6,186 |
| Net operating income to assets | 0.7465% | 3,365 |
| Return on assets (ROA) | 0.7465% | 3,542 |
| Pretax return on assets | 0.7465% | 4,269 |
| Return on Equity (ROE) | 8.8000% | 2,794 |
| Retained earnings to average equity (ytd only) | 8.8000% | 1,538 |
| Net charge-offs to loans | 0.0390% | 4,960 |
| Credit loss provision to net charge-offs | 333.3333% | 1,485 |
| Earnings coverage of net charge-offs (x) | 43.6667% | 797 |
| Efficiency ratio | 82.3450% | 2,490 |
| Assets per employee ($millions) | 2.0502% | 7,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6279% | 7,611 |
| Loan loss allowance to noncurrent loans | 57.5843% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 0.5262% | 5,904 |
| Noncurrent loans to loans | 1.0905% | 4,803 |
| Net loans and leases to total assets | 47.9500% | 7,029 |
| Net loans and leases to deposits | 54.3190% | 7,269 |
| Net loans and leases to core deposits | 63.1868% | 7,346 |
| Total domestic deposits to total assets | 88.2749% | 1,594 |
| Equity capital to assets | 8.2710% | 6,429 |
| Core capital (leverage) ratio | 7.8931% | 6,632 |
| Tier 1 risk-based capital ratio | 13.6611% | 3,760 |
| Total risk-based capital ratio | 14.1847% | 4,154 |
| Memoranda: | ||
| Average total assets | $64,840,000 | 6,297 |
| Average earning assets | $58,469,000 | 6,325 |
| Average equity | $5,500,000 | 6,946 |
| Average total loans | $30,759,000 | 6,717 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2564% | 4,210 |
| Cost of funding earning assets | 1.7571% | 7,119 |
| Net interest margin | 4.4993% | 1,422 |
| Noninterest income to average assets | 1.0278% | 1,497 |
| Noninterest expense to average assets | 4.2956% | 1,052 |
| Loan and lease loss provision to assets | 0.2698% | 4,238 |
| Net operating income to assets | 0.3927% | 5,181 |
| Return on assets (ROA) | 0.3927% | 4,996 |
| Pretax return on assets | 0.3927% | 5,277 |
| Return on Equity (ROE) | 4.3648% | 4,650 |
| Retained earnings to average equity (ytd only) | 1.1007% | 4,570 |
| Net charge-offs to loans | 0.4655% | 2,501 |
| Credit loss provision to net charge-offs | 125.3968% | 4,261 |
| Earnings coverage of net charge-offs (x) | 3.0794% | 4,548 |
| Efficiency ratio | 86.6391% | 1,792 |
| Assets per employee ($millions) | 1.7721% | 8,058 |
| Cash dividends to net income (ytd only)* | 74.7826% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6858% | 7,465 |
| Loan loss allowance to noncurrent loans | 56.0907% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 0.5692% | 5,481 |
| Noncurrent loans to loans | 1.2227% | 4,070 |
| Net loans and leases to total assets | 46.2304% | 7,309 |
| Net loans and leases to deposits | 52.7611% | 7,502 |
| Net loans and leases to core deposits | 62.7624% | 7,483 |
| Total domestic deposits to total assets | 87.6221% | 1,659 |
| Equity capital to assets | 8.7130% | 5,789 |
| Core capital (leverage) ratio | 8.7561% | 5,107 |
| Tier 1 risk-based capital ratio | 15.0040% | 3,046 |
| Total risk-based capital ratio | 15.5723% | 3,308 |
| Memoranda: | ||
| Average total assets | $58,571,800 | 6,429 |
| Average earning assets | $51,163,200 | 6,545 |
| Average equity | $5,269,400 | 7,058 |
| Average total loans | $27,067,200 | 6,891 |