Home > Bank of Stapleton > Performance and Condition Ratios
Bank of Stapleton, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8723% | 64 |
| Cost of funding earning assets | 0.4503% | 2,724 |
| Net interest margin | 6.4220% | 59 |
| Noninterest income to average assets | 0.7812% | 1,862 |
| Noninterest expense to average assets | 4.7722% | 346 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5237% | 862 |
| Return on assets (ROA) | 1.5237% | 905 |
| Pretax return on assets | 1.5237% | 1,579 |
| Return on Equity (ROE) | 13.7522% | 956 |
| Retained earnings to average equity (ytd only) | -52.5654% | 6,325 |
| Net charge-offs to loans | 0.0366% | 2,947 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 49.2500% | 971 |
| Efficiency ratio | 75.7985% | 2,397 |
| Assets per employee ($millions) | 3.1834% | 5,368 |
| Cash dividends to net income (ytd only)* | 482.2335% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7908% | 5,622 |
| Loan loss allowance to noncurrent loans | 614.8148% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 5,442 |
| Noncurrent loans to loans | 0.1286% | 5,236 |
| Net loans and leases to total assets | 81.7764% | 575 |
| Net loans and leases to deposits | 90.3789% | 1,549 |
| Net loans and leases to core deposits | 98.2451% | 1,632 |
| Total domestic deposits to total assets | 90.4818% | 461 |
| Equity capital to assets | 9.3886% | 4,794 |
| Core capital (leverage) ratio | 9.0947% | 4,824 |
| Tier 1 risk-based capital ratio | 9.9941% | 6,093 |
| Total risk-based capital ratio | 10.6880% | 6,191 |
| Memoranda: | ||
| Average total assets | $25,858,330 | 6,174 |
| Average earning assets | $22,205,000 | 6,183 |
| Average equity | $2,865,000 | 6,164 |
| Average total loans | $21,852,670 | 5,778 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8711% | 61 |
| Cost of funding earning assets | 0.4416% | 2,863 |
| Net interest margin | 6.4295% | 57 |
| Noninterest income to average assets | 0.5988% | 2,660 |
| Noninterest expense to average assets | 4.5751% | 408 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6120% | 702 |
| Return on assets (ROA) | 1.6120% | 733 |
| Pretax return on assets | 1.6120% | 1,242 |
| Return on Equity (ROE) | 13.5397% | 969 |
| Retained earnings to average equity (ytd only) | -11.6054% | 6,170 |
| Net charge-offs to loans | 0.0898% | 1,820 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,392 |
| Efficiency ratio | 73.9454% | 2,827 |
| Assets per employee ($millions) | 2.8753% | 5,807 |
| Cash dividends to net income (ytd only)* | 185.7143% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7689% | 5,760 |
| Loan loss allowance to noncurrent loans | 39.1924% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 1.6269% | 1,568 |
| Noncurrent loans to loans | 1.9619% | 1,345 |
| Net loans and leases to total assets | 82.2861% | 433 |
| Net loans and leases to deposits | 93.4439% | 1,039 |
| Net loans and leases to core deposits | 100.8668% | 1,263 |
| Total domestic deposits to total assets | 88.0594% | 1,786 |
| Equity capital to assets | 11.8247% | 2,171 |
| Core capital (leverage) ratio | 11.4487% | 2,040 |
| Tier 1 risk-based capital ratio | 12.1830% | 5,125 |
| Total risk-based capital ratio | 12.8399% | 5,420 |
| Memoranda: | ||
| Average total assets | $26,054,000 | 6,241 |
| Average earning assets | $22,645,500 | 6,232 |
| Average equity | $3,102,000 | 6,191 |
| Average total loans | $22,283,000 | 5,811 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9761% | 67 |
| Cost of funding earning assets | 0.4645% | 3,027 |
| Net interest margin | 6.5116% | 64 |
| Noninterest income to average assets | 0.6141% | 2,777 |
| Noninterest expense to average assets | 4.3505% | 524 |
| Loan and lease loss provision to assets | 0.1070% | 2,366 |
| Net operating income to assets | 2.0445% | 304 |
| Return on assets (ROA) | 2.0445% | 311 |
| Pretax return on assets | 2.0445% | 475 |
| Return on Equity (ROE) | 17.5965% | 435 |
| Retained earnings to average equity (ytd only) | 14.1863% | 167 |
| Net charge-offs to loans | 0.2563% | 1,676 |
| Credit loss provision to net charge-offs | 47.3684% | 3,541 |
| Earnings coverage of net charge-offs (x) | 9.5263% | 2,737 |
| Efficiency ratio | 66.9104% | 4,075 |
| Assets per employee ($millions) | 2.9144% | 5,809 |
| Cash dividends to net income (ytd only)* | 19.3798% | 3,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7357% | 5,913 |
| Loan loss allowance to noncurrent loans | 217.9487% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.3469% | 4,668 |
| Noncurrent loans to loans | 0.3376% | 4,640 |
| Net loans and leases to total assets | 87.4457% | 137 |
| Net loans and leases to deposits | 101.1198% | 563 |
| Net loans and leases to core deposits | 110.0729% | 769 |
| Total domestic deposits to total assets | 86.4773% | 2,580 |
| Equity capital to assets | 11.9863% | 2,024 |
| Core capital (leverage) ratio | 11.9159% | 1,683 |
| Tier 1 risk-based capital ratio | 11.9548% | 5,392 |
| Total risk-based capital ratio | 12.6012% | 5,657 |
| Memoranda: | ||
| Average total assets | $25,238,600 | 6,337 |
| Average earning assets | $22,820,800 | 6,321 |
| Average equity | $2,932,400 | 6,285 |
| Average total loans | $22,236,800 | 5,880 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9340% | 69 |
| Cost of funding earning assets | 0.4591% | 3,156 |
| Net interest margin | 6.4748% | 65 |
| Noninterest income to average assets | 0.6189% | 2,754 |
| Noninterest expense to average assets | 4.2841% | 565 |
| Loan and lease loss provision to assets | 0.1441% | 1,740 |
| Net operating income to assets | 2.0594% | 309 |
| Return on assets (ROA) | 2.0594% | 323 |
| Pretax return on assets | 2.0594% | 496 |
| Return on Equity (ROE) | 17.8729% | 455 |
| Retained earnings to average equity (ytd only) | 13.2426% | 305 |
| Net charge-offs to loans | 0.1332% | 2,457 |
| Credit loss provision to net charge-offs | 122.7273% | 1,878 |
| Earnings coverage of net charge-offs (x) | 18.7743% | 1,820 |
| Efficiency ratio | 66.0362% | 4,210 |
| Assets per employee ($millions) | 3.0901% | 5,611 |
| Cash dividends to net income (ytd only)* | 25.9069% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8515% | 5,740 |
| Loan loss allowance to noncurrent loans | 246.9880% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.2984% | 5,070 |
| Noncurrent loans to loans | 0.3448% | 4,865 |
| Net loans and leases to total assets | 85.8293% | 205 |
| Net loans and leases to deposits | 109.0054% | 242 |
| Net loans and leases to core deposits | 119.0286% | 416 |
| Total domestic deposits to total assets | 78.7386% | 5,383 |
| Equity capital to assets | 10.8338% | 3,144 |
| Core capital (leverage) ratio | 11.5476% | 2,028 |
| Tier 1 risk-based capital ratio | 10.4564% | 6,220 |
| Total risk-based capital ratio | 11.1678% | 6,333 |
| Memoranda: | ||
| Average total assets | $24,990,750 | 6,416 |
| Average earning assets | $22,651,250 | 6,397 |
| Average equity | $2,879,500 | 6,365 |
| Average total loans | $22,019,250 | 5,949 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9156% | 69 |
| Cost of funding earning assets | 0.4713% | 3,098 |
| Net interest margin | 6.4443% | 65 |
| Noninterest income to average assets | 0.5904% | 2,862 |
| Noninterest expense to average assets | 4.3159% | 544 |
| Loan and lease loss provision to assets | 0.0582% | 3,125 |
| Net operating income to assets | 2.1288% | 262 |
| Return on assets (ROA) | 2.1288% | 276 |
| Pretax return on assets | 2.1288% | 424 |
| Return on Equity (ROE) | 18.0600% | 454 |
| Retained earnings to average equity (ytd only) | 14.7443% | 227 |
| Net charge-offs to loans | 0.0469% | 3,310 |
| Credit loss provision to net charge-offs | 140.0000% | 1,524 |
| Earnings coverage of net charge-offs (x) | 52.6000% | 882 |
| Efficiency ratio | 66.3683% | 4,302 |
| Assets per employee ($millions) | 2.7520% | 6,084 |
| Cash dividends to net income (ytd only)* | 18.3594% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8868% | 5,758 |
| Loan loss allowance to noncurrent loans | 234.8837% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.3472% | 4,995 |
| Noncurrent loans to loans | 0.3775% | 4,861 |
| Net loans and leases to total assets | 91.1539% | 34 |
| Net loans and leases to deposits | 104.1519% | 355 |
| Net loans and leases to core deposits | 113.8298% | 542 |
| Total domestic deposits to total assets | 87.5202% | 2,191 |
| Equity capital to assets | 11.8540% | 2,103 |
| Core capital (leverage) ratio | 11.7945% | 1,791 |
| Tier 1 risk-based capital ratio | 10.8128% | 6,124 |
| Total risk-based capital ratio | 11.5567% | 6,262 |
| Memoranda: | ||
| Average total assets | $24,050,670 | 6,495 |
| Average earning assets | $22,066,000 | 6,471 |
| Average equity | $2,835,000 | 6,422 |
| Average total loans | $21,334,000 | 6,021 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9106% | 74 |
| Cost of funding earning assets | 0.4856% | 3,055 |
| Net interest margin | 6.4250% | 68 |
| Noninterest income to average assets | 0.5740% | 2,889 |
| Noninterest expense to average assets | 4.2377% | 581 |
| Loan and lease loss provision to assets | 0.0844% | 2,495 |
| Net operating income to assets | 2.0598% | 300 |
| Return on assets (ROA) | 2.0598% | 310 |
| Pretax return on assets | 2.0598% | 465 |
| Return on Equity (ROE) | 17.5256% | 481 |
| Retained earnings to average equity (ytd only) | 17.5256% | 197 |
| Net charge-offs to loans | 0.0194% | 3,199 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 127.0000% | 385 |
| Efficiency ratio | 66.4021% | 4,464 |
| Assets per employee ($millions) | 2.6261% | 6,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9677% | 5,644 |
| Loan loss allowance to noncurrent loans | 135.0993% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.6389% | 4,221 |
| Noncurrent loans to loans | 0.7163% | 4,079 |
| Net loans and leases to total assets | 88.3266% | 75 |
| Net loans and leases to deposits | 100.5588% | 417 |
| Net loans and leases to core deposits | 110.3558% | 577 |
| Total domestic deposits to total assets | 87.8358% | 2,320 |
| Equity capital to assets | 12.0203% | 1,858 |
| Core capital (leverage) ratio | 11.5230% | 1,949 |
| Tier 1 risk-based capital ratio | 11.4654% | 5,934 |
| Total risk-based capital ratio | 12.2886% | 6,090 |
| Memoranda: | ||
| Average total assets | $23,692,000 | 6,570 |
| Average earning assets | $21,416,500 | 6,555 |
| Average equity | $2,784,500 | 6,493 |
| Average total loans | $20,611,500 | 6,109 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9111% | 63 |
| Cost of funding earning assets | 0.5323% | 3,268 |
| Net interest margin | 6.3788% | 58 |
| Noninterest income to average assets | 0.7299% | 2,378 |
| Noninterest expense to average assets | 4.6054% | 479 |
| Loan and lease loss provision to assets | 0.0470% | 4,183 |
| Net operating income to assets | 1.9079% | 390 |
| Return on assets (ROA) | 1.9079% | 402 |
| Pretax return on assets | 1.9079% | 590 |
| Return on Equity (ROE) | 17.3700% | 464 |
| Retained earnings to average equity (ytd only) | 13.3287% | 229 |
| Net charge-offs to loans | -0.0253% | 6,189 |
| Credit loss provision to net charge-offs | -220.0000% | 5,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2017% | 3,808 |
| Assets per employee ($millions) | 2.3749% | 6,475 |
| Cash dividends to net income (ytd only)* | 23.2662% | 3,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9929% | 5,608 |
| Loan loss allowance to noncurrent loans | 141.8440% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.5937% | 4,455 |
| Noncurrent loans to loans | 0.7000% | 4,229 |
| Net loans and leases to total assets | 83.9741% | 258 |
| Net loans and leases to deposits | 95.0029% | 800 |
| Net loans and leases to core deposits | 102.8043% | 984 |
| Total domestic deposits to total assets | 88.3911% | 1,955 |
| Equity capital to assets | 11.4868% | 2,177 |
| Core capital (leverage) ratio | 11.4314% | 2,012 |
| Tier 1 risk-based capital ratio | 11.0696% | 6,139 |
| Total risk-based capital ratio | 11.8812% | 6,276 |
| Memoranda: | ||
| Average total assets | $23,428,800 | 6,654 |
| Average earning assets | $21,414,800 | 6,629 |
| Average equity | $2,573,400 | 6,610 |
| Average total loans | $19,766,400 | 6,213 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7910% | 71 |
| Cost of funding earning assets | 0.5401% | 3,359 |
| Net interest margin | 6.2509% | 63 |
| Noninterest income to average assets | 0.6339% | 2,963 |
| Noninterest expense to average assets | 4.2999% | 633 |
| Loan and lease loss provision to assets | 0.0571% | 3,909 |
| Net operating income to assets | 2.0272% | 346 |
| Return on assets (ROA) | 2.0272% | 359 |
| Pretax return on assets | 2.0272% | 550 |
| Return on Equity (ROE) | 18.6732% | 391 |
| Retained earnings to average equity (ytd only) | 15.0966% | 197 |
| Net charge-offs to loans | -0.0136% | 5,953 |
| Credit loss provision to net charge-offs | -500.0000% | 6,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3524% | 4,221 |
| Assets per employee ($millions) | 2.4003% | 6,547 |
| Cash dividends to net income (ytd only)* | 19.1541% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9250% | 5,988 |
| Loan loss allowance to noncurrent loans | 161.9835% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.5041% | 4,937 |
| Noncurrent loans to loans | 0.5710% | 4,776 |
| Net loans and leases to total assets | 87.4641% | 95 |
| Net loans and leases to deposits | 108.7434% | 174 |
| Net loans and leases to core deposits | 118.5231% | 349 |
| Total domestic deposits to total assets | 80.4316% | 5,381 |
| Equity capital to assets | 11.1361% | 2,631 |
| Core capital (leverage) ratio | 11.2642% | 2,234 |
| Tier 1 risk-based capital ratio | 10.6198% | 6,420 |
| Total risk-based capital ratio | 11.3985% | 6,526 |
| Memoranda: | ||
| Average total assets | $23,348,750 | 6,731 |
| Average earning assets | $21,479,000 | 6,702 |
| Average equity | $2,534,750 | 6,699 |
| Average total loans | $19,672,250 | 6,286 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6713% | 84 |
| Cost of funding earning assets | 0.5544% | 3,365 |
| Net interest margin | 6.1169% | 70 |
| Noninterest income to average assets | 0.5707% | 3,379 |
| Noninterest expense to average assets | 4.4357% | 557 |
| Loan and lease loss provision to assets | 0.0519% | 3,949 |
| Net operating income to assets | 1.7120% | 611 |
| Return on assets (ROA) | 1.7120% | 666 |
| Pretax return on assets | 1.7120% | 1,090 |
| Return on Equity (ROE) | 15.9121% | 681 |
| Retained earnings to average equity (ytd only) | 12.8583% | 399 |
| Net charge-offs to loans | -0.0522% | 6,284 |
| Credit loss provision to net charge-offs | -120.0000% | 5,644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5481% | 3,550 |
| Assets per employee ($millions) | 2.5204% | 6,482 |
| Cash dividends to net income (ytd only)* | 19.1919% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9836% | 5,886 |
| Loan loss allowance to noncurrent loans | 178.8991% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.4805% | 5,068 |
| Noncurrent loans to loans | 0.5498% | 4,883 |
| Net loans and leases to total assets | 86.5412% | 128 |
| Net loans and leases to deposits | 97.7591% | 556 |
| Net loans and leases to core deposits | 106.1824% | 729 |
| Total domestic deposits to total assets | 88.5250% | 1,898 |
| Equity capital to assets | 11.2811% | 2,488 |
| Core capital (leverage) ratio | 10.6820% | 2,686 |
| Tier 1 risk-based capital ratio | 10.6705% | 6,454 |
| Total risk-based capital ratio | 11.4845% | 6,553 |
| Memoranda: | ||
| Average total assets | $23,130,670 | 6,781 |
| Average earning assets | $21,285,330 | 6,753 |
| Average equity | $2,488,670 | 6,755 |
| Average total loans | $19,166,330 | 6,351 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5298% | 89 |
| Cost of funding earning assets | 0.5817% | 3,276 |
| Net interest margin | 5.9482% | 83 |
| Noninterest income to average assets | 0.5481% | 3,455 |
| Noninterest expense to average assets | 3.9394% | 954 |
| Loan and lease loss provision to assets | 0.0514% | 3,763 |
| Net operating income to assets | 1.9868% | 349 |
| Return on assets (ROA) | 1.9868% | 376 |
| Pretax return on assets | 1.9868% | 605 |
| Return on Equity (ROE) | 18.9118% | 362 |
| Retained earnings to average equity (ytd only) | 18.9118% | 170 |
| Net charge-offs to loans | -0.0637% | 6,237 |
| Credit loss provision to net charge-offs | -100.0000% | 5,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9026% | 4,680 |
| Assets per employee ($millions) | 2.6684% | 6,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0347% | 5,857 |
| Loan loss allowance to noncurrent loans | 38.9344% | 5,657 |
| Noncurrent assets plus other real estate owned to assets | 2.0320% | 2,301 |
| Noncurrent loans to loans | 2.6575% | 1,938 |
| Net loans and leases to total assets | 75.6704% | 881 |
| Net loans and leases to deposits | 84.6950% | 1,507 |
| Net loans and leases to core deposits | 99.2084% | 993 |
| Total domestic deposits to total assets | 89.3446% | 1,458 |
| Equity capital to assets | 10.4514% | 3,599 |
| Core capital (leverage) ratio | 10.5873% | 2,668 |
| Tier 1 risk-based capital ratio | 10.9607% | 6,425 |
| Total risk-based capital ratio | 11.7931% | 6,539 |
| Memoranda: | ||
| Average total assets | $23,354,000 | 6,851 |
| Average earning assets | $21,317,500 | 6,823 |
| Average equity | $2,453,500 | 6,825 |
| Average total loans | $18,836,500 | 6,415 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1359% | 70 |
| Cost of funding earning assets | 0.7409% | 3,152 |
| Net interest margin | 6.3950% | 67 |
| Noninterest income to average assets | 0.6001% | 3,277 |
| Noninterest expense to average assets | 4.5009% | 579 |
| Loan and lease loss provision to assets | 0.5088% | 1,153 |
| Net operating income to assets | 1.2959% | 1,313 |
| Return on assets (ROA) | 1.2959% | 1,465 |
| Pretax return on assets | 1.2959% | 2,421 |
| Return on Equity (ROE) | 12.8615% | 1,265 |
| Retained earnings to average equity (ytd only) | 8.4592% | 979 |
| Net charge-offs to loans | 0.5758% | 2,001 |
| Credit loss provision to net charge-offs | 108.3333% | 2,719 |
| Earnings coverage of net charge-offs (x) | 3.8426% | 3,575 |
| Efficiency ratio | 71.3793% | 3,542 |
| Assets per employee ($millions) | 2.5213% | 6,599 |
| Cash dividends to net income (ytd only)* | 34.2282% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9529% | 6,120 |
| Loan loss allowance to noncurrent loans | 400.0000% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.7315% | 4,646 |
| Noncurrent loans to loans | 0.2382% | 5,884 |
| Net loans and leases to total assets | 84.2852% | 201 |
| Net loans and leases to deposits | 94.8052% | 697 |
| Net loans and leases to core deposits | 106.0846% | 689 |
| Total domestic deposits to total assets | 88.9036% | 1,635 |
| Equity capital to assets | 10.5632% | 3,447 |
| Core capital (leverage) ratio | 9.4265% | 4,216 |
| Tier 1 risk-based capital ratio | 10.1476% | 6,663 |
| Total risk-based capital ratio | 10.9305% | 6,757 |
| Memoranda: | ||
| Average total assets | $22,995,600 | 6,910 |
| Average earning assets | $20,516,000 | 6,891 |
| Average equity | $2,317,000 | 6,913 |
| Average total loans | $18,757,200 | 6,477 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5944% | 56 |
| Cost of funding earning assets | 0.7419% | 3,414 |
| Net interest margin | 6.8525% | 57 |
| Noninterest income to average assets | 0.5952% | 3,309 |
| Noninterest expense to average assets | 4.9699% | 371 |
| Loan and lease loss provision to assets | 0.0173% | 5,589 |
| Net operating income to assets | 1.6933% | 689 |
| Return on assets (ROA) | 1.6933% | 768 |
| Pretax return on assets | 1.6933% | 1,290 |
| Return on Equity (ROE) | 17.0074% | 612 |
| Retained earnings to average equity (ytd only) | 12.7118% | 417 |
| Net charge-offs to loans | 0.0430% | 5,051 |
| Credit loss provision to net charge-offs | 50.0000% | 4,399 |
| Earnings coverage of net charge-offs (x) | 49.3325% | 765 |
| Efficiency ratio | 74.3945% | 2,917 |
| Assets per employee ($millions) | 2.7514% | 6,429 |
| Cash dividends to net income (ytd only)* | 25.2547% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8243% | 6,551 |
| Loan loss allowance to noncurrent loans | 69.9187% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 1.4820% | 3,374 |
| Noncurrent loans to loans | 1.1790% | 4,092 |
| Net loans and leases to total assets | 83.5682% | 248 |
| Net loans and leases to deposits | 98.6650% | 510 |
| Net loans and leases to core deposits | 109.9049% | 575 |
| Total domestic deposits to total assets | 84.6989% | 3,887 |
| Equity capital to assets | 9.7969% | 4,788 |
| Core capital (leverage) ratio | 9.8049% | 3,810 |
| Tier 1 risk-based capital ratio | 10.1143% | 6,771 |
| Total risk-based capital ratio | 10.8370% | 6,875 |
| Memoranda: | ||
| Average total assets | $23,071,500 | 7,001 |
| Average earning assets | $20,488,250 | 6,984 |
| Average equity | $2,297,000 | 7,006 |
| Average total loans | $18,619,000 | 6,572 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0082% | 81 |
| Cost of funding earning assets | 0.7798% | 3,368 |
| Net interest margin | 6.2284% | 78 |
| Noninterest income to average assets | 0.6309% | 3,070 |
| Noninterest expense to average assets | 4.4785% | 562 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6883% | 690 |
| Return on assets (ROA) | 1.6883% | 773 |
| Pretax return on assets | 1.6883% | 1,291 |
| Return on Equity (ROE) | 16.8589% | 658 |
| Retained earnings to average equity (ytd only) | 14.5519% | 304 |
| Net charge-offs to loans | 0.1231% | 3,943 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 17.2727% | 1,541 |
| Efficiency ratio | 72.6225% | 3,319 |
| Assets per employee ($millions) | 2.6874% | 6,545 |
| Cash dividends to net income (ytd only)* | 13.6842% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8393% | 6,590 |
| Loan loss allowance to noncurrent loans | 52.3962% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 1.8026% | 3,032 |
| Noncurrent loans to loans | 1.6019% | 3,507 |
| Net loans and leases to total assets | 80.1050% | 497 |
| Net loans and leases to deposits | 92.3939% | 906 |
| Net loans and leases to core deposits | 102.9216% | 923 |
| Total domestic deposits to total assets | 86.6995% | 2,958 |
| Equity capital to assets | 9.7408% | 4,707 |
| Core capital (leverage) ratio | 10.1608% | 3,190 |
| Tier 1 risk-based capital ratio | 10.1088% | 6,795 |
| Total risk-based capital ratio | 10.8197% | 6,906 |
| Memoranda: | ||
| Average total assets | $22,507,670 | 7,068 |
| Average earning assets | $20,005,000 | 7,050 |
| Average equity | $2,254,000 | 7,057 |
| Average total loans | $17,870,000 | 6,656 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9495% | 94 |
| Cost of funding earning assets | 0.8066% | 3,424 |
| Net interest margin | 6.1429% | 87 |
| Noninterest income to average assets | 0.5907% | 3,295 |
| Noninterest expense to average assets | 4.2644% | 692 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.8091% | 592 |
| Return on assets (ROA) | 1.8091% | 663 |
| Pretax return on assets | 1.8091% | 1,052 |
| Return on Equity (ROE) | 17.7939% | 567 |
| Retained earnings to average equity (ytd only) | 17.7939% | 264 |
| Net charge-offs to loans | -0.0704% | 6,669 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2128% | 3,771 |
| Assets per employee ($millions) | 2.6529% | 6,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0231% | 6,168 |
| Loan loss allowance to noncurrent loans | 312.2807% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.8528% | 4,824 |
| Noncurrent loans to loans | 0.3276% | 6,016 |
| Net loans and leases to total assets | 81.1384% | 330 |
| Net loans and leases to deposits | 95.5234% | 573 |
| Net loans and leases to core deposits | 95.5234% | 1,330 |
| Total domestic deposits to total assets | 84.9409% | 4,073 |
| Equity capital to assets | 10.5970% | 3,380 |
| Core capital (leverage) ratio | 10.3775% | 2,901 |
| Tier 1 risk-based capital ratio | 11.0381% | 6,518 |
| Total risk-based capital ratio | 11.9172% | 6,665 |
| Memoranda: | ||
| Average total assets | $21,668,000 | 7,143 |
| Average earning assets | $19,339,500 | 7,126 |
| Average equity | $2,203,000 | 7,118 |
| Average total loans | $17,035,500 | 6,749 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6067% | 157 |
| Cost of funding earning assets | 1.0672% | 2,903 |
| Net interest margin | 5.5395% | 166 |
| Noninterest income to average assets | 0.5389% | 3,592 |
| Noninterest expense to average assets | 4.7164% | 483 |
| Loan and lease loss provision to assets | 0.1431% | 4,827 |
| Net operating income to assets | 0.3434% | 5,097 |
| Return on assets (ROA) | 0.3434% | 5,252 |
| Pretax return on assets | 0.6057% | 4,675 |
| Return on Equity (ROE) | 3.2925% | 5,161 |
| Retained earnings to average equity (ytd only) | 0.5487% | 5,590 |
| Net charge-offs to loans | -0.1338% | 7,174 |
| Credit loss provision to net charge-offs | -142.8571% | 6,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3002% | 1,522 |
| Assets per employee ($millions) | 2.7641% | 6,511 |
| Cash dividends to net income (ytd only)* | 83.3333% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 5,999 |
| Loan loss allowance to noncurrent loans | 8,750.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.5788% | 5,530 |
| Noncurrent loans to loans | 0.0120% | 6,817 |
| Net loans and leases to total assets | 74.6077% | 1,152 |
| Net loans and leases to deposits | 92.2759% | 945 |
| Net loans and leases to core deposits | 92.2759% | 1,863 |
| Total domestic deposits to total assets | 80.8529% | 5,491 |
| Equity capital to assets | 9.7544% | 4,505 |
| Core capital (leverage) ratio | 9.5903% | 3,888 |
| Tier 1 risk-based capital ratio | 11.3357% | 6,268 |
| Total risk-based capital ratio | 12.2640% | 6,432 |
| Memoranda: | ||
| Average total assets | $20,969,200 | 7,186 |
| Average earning assets | $18,647,800 | 7,171 |
| Average equity | $2,186,800 | 7,184 |
| Average total loans | $15,694,200 | 6,869 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5681% | 178 |
| Cost of funding earning assets | 1.0839% | 3,082 |
| Net interest margin | 5.4843% | 177 |
| Noninterest income to average assets | 0.5479% | 3,528 |
| Noninterest expense to average assets | 4.1192% | 875 |
| Loan and lease loss provision to assets | 0.1547% | 4,533 |
| Net operating income to assets | 0.8187% | 3,067 |
| Return on assets (ROA) | 0.8187% | 3,231 |
| Pretax return on assets | 1.1668% | 2,756 |
| Return on Equity (ROE) | 7.7170% | 3,169 |
| Retained earnings to average equity (ytd only) | 4.0711% | 3,830 |
| Net charge-offs to loans | 0.0173% | 5,911 |
| Credit loss provision to net charge-offs | 1,200.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 102.3708% | 356 |
| Efficiency ratio | 75.7109% | 2,883 |
| Assets per employee ($millions) | 2.7628% | 6,557 |
| Cash dividends to net income (ytd only)* | 47.2450% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8590% | 6,699 |
| Loan loss allowance to noncurrent loans | 7,300.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.5882% | 5,646 |
| Noncurrent loans to loans | 0.0118% | 6,926 |
| Net loans and leases to total assets | 76.2420% | 945 |
| Net loans and leases to deposits | 95.1496% | 749 |
| Net loans and leases to core deposits | 95.1496% | 1,683 |
| Total domestic deposits to total assets | 80.1285% | 5,702 |
| Equity capital to assets | 10.0308% | 4,299 |
| Core capital (leverage) ratio | 10.2463% | 3,133 |
| Tier 1 risk-based capital ratio | 10.9387% | 6,580 |
| Total risk-based capital ratio | 11.6672% | 6,796 |
| Memoranda: | ||
| Average total assets | $20,683,250 | 7,267 |
| Average earning assets | $18,452,250 | 7,249 |
| Average equity | $2,194,250 | 7,257 |
| Average total loans | $15,449,500 | 6,946 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4150% | 236 |
| Cost of funding earning assets | 1.0545% | 3,570 |
| Net interest margin | 5.3605% | 222 |
| Noninterest income to average assets | 0.4750% | 4,062 |
| Noninterest expense to average assets | 4.0276% | 1,006 |
| Loan and lease loss provision to assets | 0.1484% | 4,454 |
| Net operating income to assets | 0.8510% | 2,853 |
| Return on assets (ROA) | 0.8510% | 2,948 |
| Pretax return on assets | 1.1281% | 2,732 |
| Return on Equity (ROE) | 7.8658% | 3,004 |
| Retained earnings to average equity (ytd only) | 7.8658% | 1,505 |
| Net charge-offs to loans | 0.0402% | 5,289 |
| Credit loss provision to net charge-offs | 500.0000% | 604 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 708 |
| Efficiency ratio | 75.9328% | 3,020 |
| Assets per employee ($millions) | 2.9619% | 6,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8567% | 6,757 |
| Loan loss allowance to noncurrent loans | 3,400.0000% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.6415% | 5,631 |
| Noncurrent loans to loans | 0.0252% | 6,927 |
| Net loans and leases to total assets | 75.9128% | 1,084 |
| Net loans and leases to deposits | 95.1284% | 789 |
| Net loans and leases to core deposits | 95.1284% | 1,771 |
| Total domestic deposits to total assets | 79.8003% | 5,884 |
| Equity capital to assets | 10.8137% | 3,164 |
| Core capital (leverage) ratio | 10.7446% | 2,476 |
| Tier 1 risk-based capital ratio | 11.5757% | 6,109 |
| Total risk-based capital ratio | 12.2874% | 6,482 |
| Memoranda: | ||
| Average total assets | $20,210,330 | 7,346 |
| Average earning assets | $18,207,330 | 7,325 |
| Average equity | $2,186,670 | 7,319 |
| Average total loans | $14,933,670 | 7,041 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1332% | 377 |
| Cost of funding earning assets | 0.8058% | 5,547 |
| Net interest margin | 5.3274% | 215 |
| Noninterest income to average assets | 0.7218% | 2,435 |
| Noninterest expense to average assets | 4.4112% | 643 |
| Loan and lease loss provision to assets | 0.1203% | 4,512 |
| Net operating income to assets | 0.8221% | 2,923 |
| Return on assets (ROA) | 0.8221% | 2,981 |
| Pretax return on assets | 0.9625% | 3,276 |
| Return on Equity (ROE) | 7.5961% | 3,104 |
| Retained earnings to average equity (ytd only) | 7.5961% | 1,888 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2920% | 2,476 |
| Assets per employee ($millions) | 2.4931% | 6,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8985% | 6,702 |
| Loan loss allowance to noncurrent loans | 162.5000% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 1.1030% | 4,710 |
| Noncurrent loans to loans | 0.5529% | 5,917 |
| Net loans and leases to total assets | 71.8877% | 1,744 |
| Net loans and leases to deposits | 88.3861% | 1,413 |
| Net loans and leases to core deposits | 88.3861% | 2,551 |
| Total domestic deposits to total assets | 81.3337% | 5,557 |
| Equity capital to assets | 10.9100% | 2,768 |
| Core capital (leverage) ratio | 10.5829% | 2,523 |
| Tier 1 risk-based capital ratio | 11.7138% | 5,931 |
| Total risk-based capital ratio | 12.4169% | 6,348 |
| Memoranda: | ||
| Average total assets | $19,949,000 | 7,407 |
| Average earning assets | $17,870,000 | 7,385 |
| Average equity | $2,159,000 | 7,374 |
| Average total loans | $14,463,000 | 7,117 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2512% | 104 |
| Cost of funding earning assets | 1.3880% | 3,346 |
| Net interest margin | 5.8632% | 112 |
| Noninterest income to average assets | 0.7578% | 2,494 |
| Noninterest expense to average assets | 4.9521% | 432 |
| Loan and lease loss provision to assets | 0.2526% | 4,773 |
| Net operating income to assets | 0.1210% | 5,536 |
| Return on assets (ROA) | 0.1210% | 5,678 |
| Pretax return on assets | 0.7104% | 3,939 |
| Return on Equity (ROE) | 1.0589% | 5,673 |
| Retained earnings to average equity (ytd only) | 1.0589% | 5,012 |
| Net charge-offs to loans | 0.1552% | 5,418 |
| Credit loss provision to net charge-offs | 218.1818% | 1,380 |
| Earnings coverage of net charge-offs (x) | 8.3182% | 1,983 |
| Efficiency ratio | 83.7189% | 1,952 |
| Assets per employee ($millions) | 2.8504% | 6,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8577% | 6,836 |
| Loan loss allowance to noncurrent loans | 60.7843% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 1.0725% | 4,860 |
| Noncurrent loans to loans | 1.4110% | 4,364 |
| Net loans and leases to total assets | 71.8388% | 2,135 |
| Net loans and leases to deposits | 88.0629% | 1,782 |
| Net loans and leases to core deposits | 88.0629% | 3,041 |
| Total domestic deposits to total assets | 81.5767% | 5,330 |
| Equity capital to assets | 10.7352% | 2,919 |
| Core capital (leverage) ratio | 10.5797% | 2,482 |
| Tier 1 risk-based capital ratio | 11.3940% | 5,996 |
| Total risk-based capital ratio | 12.0585% | 6,444 |
| Memoranda: | ||
| Average total assets | $19,002,200 | 7,486 |
| Average earning assets | $16,714,400 | 7,483 |
| Average equity | $2,172,000 | 7,475 |
| Average total loans | $14,171,600 | 7,202 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3982% | 90 |
| Cost of funding earning assets | 1.4926% | 3,025 |
| Net interest margin | 5.9056% | 103 |
| Noninterest income to average assets | 0.7674% | 2,404 |
| Noninterest expense to average assets | 5.0094% | 379 |
| Loan and lease loss provision to assets | 0.2558% | 4,536 |
| Net operating income to assets | 0.5613% | 4,045 |
| Return on assets (ROA) | 0.5613% | 4,213 |
| Pretax return on assets | 0.6750% | 4,320 |
| Return on Equity (ROE) | 4.8328% | 4,384 |
| Retained earnings to average equity (ytd only) | 4.8328% | 3,101 |
| Net charge-offs to loans | -0.0378% | 7,433 |
| Credit loss provision to net charge-offs | -900.0000% | 7,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3301% | 1,799 |
| Assets per employee ($millions) | 2.7660% | 6,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9020% | 6,736 |
| Loan loss allowance to noncurrent loans | 83.6364% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.9452% | 5,208 |
| Noncurrent loans to loans | 1.0784% | 5,077 |
| Net loans and leases to total assets | 78.3080% | 985 |
| Net loans and leases to deposits | 97.3108% | 857 |
| Net loans and leases to core deposits | 97.3108% | 2,114 |
| Total domestic deposits to total assets | 80.4721% | 5,554 |
| Equity capital to assets | 11.4813% | 2,550 |
| Core capital (leverage) ratio | 11.3103% | 2,058 |
| Tier 1 risk-based capital ratio | 11.7473% | 5,690 |
| Total risk-based capital ratio | 12.4899% | 6,149 |
| Memoranda: | ||
| Average total assets | $18,764,500 | 7,591 |
| Average earning assets | $16,436,000 | 7,582 |
| Average equity | $2,179,500 | 7,574 |
| Average total loans | $14,100,000 | 7,296 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4143% | 93 |
| Cost of funding earning assets | 1.5446% | 2,987 |
| Net interest margin | 5.8696% | 113 |
| Noninterest income to average assets | 0.7541% | 2,367 |
| Noninterest expense to average assets | 4.9878% | 382 |
| Loan and lease loss provision to assets | 0.2585% | 4,349 |
| Net operating income to assets | 0.6033% | 3,867 |
| Return on assets (ROA) | 0.6033% | 4,001 |
| Pretax return on assets | 0.6248% | 4,487 |
| Return on Equity (ROE) | 5.1732% | 4,204 |
| Retained earnings to average equity (ytd only) | 5.1732% | 2,804 |
| Net charge-offs to loans | -0.0584% | 7,469 |
| Credit loss provision to net charge-offs | -600.0000% | 6,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9541% | 1,822 |
| Assets per employee ($millions) | 3.1170% | 5,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8878% | 6,800 |
| Loan loss allowance to noncurrent loans | 33.5106% | 6,133 |
| Noncurrent assets plus other real estate owned to assets | 2.1067% | 3,369 |
| Noncurrent loans to loans | 2.6494% | 2,989 |
| Net loans and leases to total assets | 75.2112% | 1,646 |
| Net loans and leases to deposits | 92.0188% | 1,528 |
| Net loans and leases to core deposits | 92.0188% | 2,987 |
| Total domestic deposits to total assets | 81.7346% | 5,095 |
| Equity capital to assets | 11.7634% | 2,231 |
| Core capital (leverage) ratio | 11.5239% | 1,907 |
| Tier 1 risk-based capital ratio | 12.1333% | 5,184 |
| Total risk-based capital ratio | 12.8414% | 5,642 |
| Memoranda: | ||
| Average total assets | $18,565,330 | 7,666 |
| Average earning assets | $16,185,000 | 7,652 |
| Average equity | $2,165,000 | 7,634 |
| Average total loans | $13,700,000 | 7,370 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4401% | 112 |
| Cost of funding earning assets | 1.3778% | 4,317 |
| Net interest margin | 6.0623% | 100 |
| Noninterest income to average assets | 0.6920% | 2,655 |
| Noninterest expense to average assets | 4.9089% | 392 |
| Loan and lease loss provision to assets | 0.2595% | 3,960 |
| Net operating income to assets | 0.7136% | 3,375 |
| Return on assets (ROA) | 0.7136% | 3,485 |
| Pretax return on assets | 0.7569% | 4,039 |
| Return on Equity (ROE) | 6.1467% | 3,804 |
| Retained earnings to average equity (ytd only) | 6.1467% | 2,555 |
| Net charge-offs to loans | -0.0297% | 7,191 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8467% | 2,156 |
| Assets per employee ($millions) | 2.6229% | 6,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8259% | 7,066 |
| Loan loss allowance to noncurrent loans | 33.7386% | 6,144 |
| Noncurrent assets plus other real estate owned to assets | 1.7919% | 3,799 |
| Noncurrent loans to loans | 2.4479% | 3,228 |
| Net loans and leases to total assets | 72.5980% | 2,301 |
| Net loans and leases to deposits | 88.9965% | 2,063 |
| Net loans and leases to core deposits | 88.9965% | 3,497 |
| Total domestic deposits to total assets | 81.5741% | 5,242 |
| Equity capital to assets | 11.7919% | 2,170 |
| Core capital (leverage) ratio | 11.5578% | 1,877 |
| Tier 1 risk-based capital ratio | 12.2872% | 4,909 |
| Total risk-based capital ratio | 12.9257% | 5,466 |
| Memoranda: | ||
| Average total assets | $18,497,000 | 7,764 |
| Average earning assets | $15,967,500 | 7,756 |
| Average equity | $2,147,500 | 7,720 |
| Average total loans | $13,454,000 | 7,474 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3591% | 163 |
| Cost of funding earning assets | 2.2349% | 1,882 |
| Net interest margin | 5.1242% | 347 |
| Noninterest income to average assets | 0.6747% | 3,119 |
| Noninterest expense to average assets | 4.2523% | 1,036 |
| Loan and lease loss provision to assets | 0.2040% | 5,711 |
| Net operating income to assets | 0.5701% | 3,443 |
| Return on assets (ROA) | 0.5701% | 3,522 |
| Pretax return on assets | 0.7636% | 3,362 |
| Return on Equity (ROE) | 5.1954% | 3,583 |
| Retained earnings to average equity (ytd only) | 5.1954% | 1,719 |
| Net charge-offs to loans | 0.1486% | 5,755 |
| Credit loss provision to net charge-offs | 185.7143% | 2,190 |
| Earnings coverage of net charge-offs (x) | 8.8095% | 1,889 |
| Efficiency ratio | 81.4629% | 2,674 |
| Assets per employee ($millions) | 3.1057% | 5,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7277% | 7,316 |
| Loan loss allowance to noncurrent loans | 80.9917% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.6494% | 5,844 |
| Noncurrent loans to loans | 0.8984% | 5,513 |
| Net loans and leases to total assets | 71.7506% | 2,823 |
| Net loans and leases to deposits | 87.5573% | 2,635 |
| Net loans and leases to core deposits | 96.0489% | 4,465 |
| Total domestic deposits to total assets | 81.9470% | 4,969 |
| Equity capital to assets | 11.4307% | 2,367 |
| Core capital (leverage) ratio | 11.2298% | 2,084 |
| Tier 1 risk-based capital ratio | 12.2810% | 4,703 |
| Total risk-based capital ratio | 12.8533% | 5,246 |
| Memoranda: | ||
| Average total assets | $19,119,000 | 7,800 |
| Average earning assets | $16,958,600 | 7,792 |
| Average equity | $2,098,000 | 7,823 |
| Average total loans | $14,129,800 | 7,492 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2652% | 205 |
| Cost of funding earning assets | 2.3523% | 1,797 |
| Net interest margin | 4.9129% | 536 |
| Noninterest income to average assets | 0.6722% | 3,203 |
| Noninterest expense to average assets | 3.9777% | 1,304 |
| Loan and lease loss provision to assets | 0.0555% | 6,812 |
| Net operating income to assets | 0.9632% | 2,183 |
| Return on assets (ROA) | 0.9632% | 2,243 |
| Pretax return on assets | 1.0533% | 2,726 |
| Return on Equity (ROE) | 8.8675% | 2,316 |
| Retained earnings to average equity (ytd only) | 8.8675% | 877 |
| Net charge-offs to loans | -0.0187% | 7,756 |
| Credit loss provision to net charge-offs | -400.0000% | 7,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2016% | 3,132 |
| Assets per employee ($millions) | 3.1418% | 5,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6484% | 7,490 |
| Loan loss allowance to noncurrent loans | 66.1765% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 0.7214% | 5,687 |
| Noncurrent loans to loans | 0.9798% | 5,346 |
| Net loans and leases to total assets | 73.1579% | 2,749 |
| Net loans and leases to deposits | 89.0891% | 2,768 |
| Net loans and leases to core deposits | 99.9058% | 4,384 |
| Total domestic deposits to total assets | 82.1177% | 4,635 |
| Equity capital to assets | 11.4742% | 2,609 |
| Core capital (leverage) ratio | 11.4970% | 2,076 |
| Tier 1 risk-based capital ratio | 13.6535% | 3,745 |
| Total risk-based capital ratio | 14.2299% | 4,134 |
| Memoranda: | ||
| Average total assets | $19,240,250 | 7,868 |
| Average earning assets | $17,287,500 | 7,866 |
| Average equity | $2,090,000 | 7,906 |
| Average total loans | $14,295,250 | 7,552 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3189% | 197 |
| Cost of funding earning assets | 2.5392% | 1,484 |
| Net interest margin | 4.7797% | 678 |
| Noninterest income to average assets | 0.6298% | 3,468 |
| Noninterest expense to average assets | 3.9339% | 1,424 |
| Loan and lease loss provision to assets | 0.0207% | 7,024 |
| Net operating income to assets | 0.8363% | 2,715 |
| Return on assets (ROA) | 0.8363% | 2,807 |
| Pretax return on assets | 0.9706% | 3,111 |
| Return on Equity (ROE) | 7.8425% | 2,839 |
| Retained earnings to average equity (ytd only) | 7.8425% | 1,263 |
| Net charge-offs to loans | -0.0139% | 7,647 |
| Credit loss provision to net charge-offs | -200.0000% | 6,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8742% | 3,057 |
| Assets per employee ($millions) | 2.6610% | 6,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5751% | 7,680 |
| Loan loss allowance to noncurrent loans | 18.4035% | 7,217 |
| Noncurrent assets plus other real estate owned to assets | 2.4212% | 2,675 |
| Noncurrent loans to loans | 3.1248% | 2,285 |
| Net loans and leases to total assets | 77.0387% | 1,941 |
| Net loans and leases to deposits | 93.3273% | 2,208 |
| Net loans and leases to core deposits | 110.7253% | 3,303 |
| Total domestic deposits to total assets | 82.5468% | 4,450 |
| Equity capital to assets | 11.2417% | 2,725 |
| Core capital (leverage) ratio | 10.6911% | 2,673 |
| Tier 1 risk-based capital ratio | 12.6727% | 4,379 |
| Total risk-based capital ratio | 13.1801% | 4,894 |
| Memoranda: | ||
| Average total assets | $19,370,000 | 7,947 |
| Average earning assets | $17,407,000 | 7,934 |
| Average equity | $2,065,670 | 7,990 |
| Average total loans | $14,433,330 | 7,623 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2672% | 233 |
| Cost of funding earning assets | 2.7167% | 1,221 |
| Net interest margin | 4.5505% | 1,038 |
| Noninterest income to average assets | 0.5268% | 4,083 |
| Noninterest expense to average assets | 3.6674% | 1,714 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9320% | 2,577 |
| Return on assets (ROA) | 0.9320% | 2,707 |
| Pretax return on assets | 0.9320% | 3,598 |
| Return on Equity (ROE) | 8.9690% | 2,733 |
| Retained earnings to average equity (ytd only) | 8.9690% | 1,493 |
| Net charge-offs to loans | -0.0277% | 7,533 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7357% | 2,856 |
| Assets per employee ($millions) | 2.4510% | 7,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5607% | 7,735 |
| Loan loss allowance to noncurrent loans | 41.1168% | 5,801 |
| Noncurrent assets plus other real estate owned to assets | 1.0047% | 4,687 |
| Noncurrent loans to loans | 1.3637% | 4,276 |
| Net loans and leases to total assets | 73.2609% | 2,950 |
| Net loans and leases to deposits | 93.4005% | 2,371 |
| Net loans and leases to core deposits | 110.7556% | 3,337 |
| Total domestic deposits to total assets | 78.4374% | 5,880 |
| Equity capital to assets | 10.5620% | 3,398 |
| Core capital (leverage) ratio | 10.1838% | 3,208 |
| Tier 1 risk-based capital ratio | 12.1797% | 4,802 |
| Total risk-based capital ratio | 12.6635% | 5,397 |
| Memoranda: | ||
| Average total assets | $19,741,500 | 7,986 |
| Average earning assets | $17,668,500 | 7,974 |
| Average equity | $2,051,500 | 8,047 |
| Average total loans | $14,433,500 | 7,663 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7806% | 253 |
| Cost of funding earning assets | 3.2024% | 1,181 |
| Net interest margin | 4.5782% | 1,235 |
| Noninterest income to average assets | 0.6315% | 3,623 |
| Noninterest expense to average assets | 4.0424% | 1,355 |
| Loan and lease loss provision to assets | 0.1035% | 6,053 |
| Net operating income to assets | 0.3416% | 5,390 |
| Return on assets (ROA) | 0.3416% | 5,211 |
| Pretax return on assets | 0.4814% | 5,031 |
| Return on Equity (ROE) | 3.3503% | 5,096 |
| Retained earnings to average equity (ytd only) | 3.3503% | 3,063 |
| Net charge-offs to loans | 1.2763% | 935 |
| Credit loss provision to net charge-offs | 11.1111% | 6,619 |
| Earnings coverage of net charge-offs (x) | 0.6278% | 5,846 |
| Efficiency ratio | 87.3602% | 1,735 |
| Assets per employee ($millions) | 2.4844% | 7,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5547% | 7,761 |
| Loan loss allowance to noncurrent loans | 40.6091% | 6,015 |
| Noncurrent assets plus other real estate owned to assets | 0.9912% | 4,357 |
| Noncurrent loans to loans | 1.3661% | 3,786 |
| Net loans and leases to total assets | 72.1560% | 3,548 |
| Net loans and leases to deposits | 91.9118% | 3,148 |
| Net loans and leases to core deposits | 110.3069% | 3,748 |
| Total domestic deposits to total assets | 78.5057% | 5,548 |
| Equity capital to assets | 10.2239% | 3,774 |
| Core capital (leverage) ratio | 10.1991% | 3,268 |
| Tier 1 risk-based capital ratio | 11.8370% | 4,954 |
| Total risk-based capital ratio | 12.3122% | 5,559 |
| Memoranda: | ||
| Average total assets | $19,320,400 | 8,040 |
| Average earning assets | $16,862,400 | 8,041 |
| Average equity | $1,970,000 | 8,124 |
| Average total loans | $14,102,800 | 7,699 |