Home > Belpre Savings Bank > Performance and Condition Ratios
Belpre Savings Bank, Performance and Condition Ratios
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4877% | 1,746 |
| Cost of funding earning assets | 0.3693% | 3,525 |
| Net interest margin | 4.1184% | 1,377 |
| Noninterest income to average assets | 0.4344% | 3,409 |
| Noninterest expense to average assets | 4.0291% | 515 |
| Loan and lease loss provision to assets | 0.1768% | 1,225 |
| Net operating income to assets | -0.2215% | 5,456 |
| Return on assets (ROA) | -0.2215% | 5,454 |
| Pretax return on assets | -0.1618% | 5,488 |
| Return on Equity (ROE) | -1.6594% | 5,450 |
| Retained earnings to average equity (ytd only) | -1.6594% | 5,246 |
| Net charge-offs to loans | -0.0107% | 4,803 |
| Credit loss provision to net charge-offs | -2,766.6667% | 5,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3144% | 222 |
| Assets per employee ($millions) | 3.1774% | 5,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3005% | 5,551 |
| Loan loss allowance to noncurrent loans | 13.0568% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 1.9009% | 622 |
| Noncurrent loans to loans | 2.3017% | 614 |
| Net loans and leases to total assets | 59.1658% | 3,909 |
| Net loans and leases to deposits | 77.1962% | 3,205 |
| Net loans and leases to core deposits | 78.4963% | 3,548 |
| Total domestic deposits to total assets | 76.6434% | 4,902 |
| Equity capital to assets | 13.9884% | 916 |
| Core capital (leverage) ratio | 8.7320% | 4,922 |
| Tier 1 risk-based capital ratio | 18.2244% | 1,732 |
| Total risk-based capital ratio | 18.6264% | 1,927 |
| Memoranda: | ||
| Average total assets | $46,958,800 | 5,211 |
| Average earning assets | $41,156,600 | 5,246 |
| Average equity | $6,267,200 | 5,062 |
| Average total loans | $27,963,200 | 5,067 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4261% | 1,874 |
| Cost of funding earning assets | 0.3502% | 3,662 |
| Net interest margin | 4.0759% | 1,466 |
| Noninterest income to average assets | 0.3619% | 3,943 |
| Noninterest expense to average assets | 4.1923% | 409 |
| Loan and lease loss provision to assets | 0.1938% | 989 |
| Net operating income to assets | -0.2935% | 5,602 |
| Return on assets (ROA) | -0.2935% | 5,600 |
| Pretax return on assets | -0.4417% | 5,621 |
| Return on Equity (ROE) | -2.2268% | 5,592 |
| Retained earnings to average equity (ytd only) | -2.2268% | 5,442 |
| Net charge-offs to loans | -0.0096% | 4,626 |
| Credit loss provision to net charge-offs | -3,400.0000% | 5,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.9017% | 134 |
| Assets per employee ($millions) | 3.3618% | 4,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2514% | 5,637 |
| Loan loss allowance to noncurrent loans | 11.1111% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 1.7678% | 798 |
| Noncurrent loans to loans | 2.2624% | 711 |
| Net loans and leases to total assets | 59.0163% | 3,962 |
| Net loans and leases to deposits | 77.6126% | 3,210 |
| Net loans and leases to core deposits | 78.9921% | 3,537 |
| Total domestic deposits to total assets | 76.0395% | 5,013 |
| Equity capital to assets | 14.2739% | 919 |
| Core capital (leverage) ratio | 8.9108% | 4,850 |
| Tier 1 risk-based capital ratio | 18.5141% | 1,723 |
| Total risk-based capital ratio | 18.8511% | 1,917 |
| Memoranda: | ||
| Average total assets | $46,783,250 | 5,273 |
| Average earning assets | $41,118,750 | 5,305 |
| Average equity | $6,167,250 | 5,134 |
| Average total loans | $27,883,000 | 5,124 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3964% | 1,824 |
| Cost of funding earning assets | 0.3882% | 3,203 |
| Net interest margin | 4.0082% | 1,578 |
| Noninterest income to average assets | 0.4369% | 3,443 |
| Noninterest expense to average assets | 4.2922% | 378 |
| Loan and lease loss provision to assets | 0.1928% | 965 |
| Net operating income to assets | -0.3384% | 5,656 |
| Return on assets (ROA) | -0.3384% | 5,655 |
| Pretax return on assets | -0.5098% | 5,670 |
| Return on Equity (ROE) | -2.6405% | 5,639 |
| Retained earnings to average equity (ytd only) | -2.6405% | 5,392 |
| Net charge-offs to loans | -0.0287% | 4,935 |
| Credit loss provision to net charge-offs | -1,125.0000% | 4,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.6034% | 135 |
| Assets per employee ($millions) | 2.9174% | 5,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1775% | 5,704 |
| Loan loss allowance to noncurrent loans | 8.6726% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 1.6453% | 899 |
| Noncurrent loans to loans | 2.0470% | 819 |
| Net loans and leases to total assets | 59.0244% | 3,919 |
| Net loans and leases to deposits | 73.7315% | 3,572 |
| Net loans and leases to core deposits | 74.9857% | 3,858 |
| Total domestic deposits to total assets | 80.0531% | 4,398 |
| Equity capital to assets | 14.4690% | 834 |
| Core capital (leverage) ratio | 10.1610% | 3,322 |
| Tier 1 risk-based capital ratio | 22.1880% | 1,026 |
| Total risk-based capital ratio | 22.4239% | 1,137 |
| Memoranda: | ||
| Average total assets | $46,689,330 | 5,317 |
| Average earning assets | $41,215,330 | 5,339 |
| Average equity | $5,983,670 | 5,194 |
| Average total loans | $27,895,330 | 5,167 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5859% | 1,175 |
| Cost of funding earning assets | 0.4395% | 2,616 |
| Net interest margin | 4.1464% | 1,104 |
| Noninterest income to average assets | 0.4283% | 3,458 |
| Noninterest expense to average assets | 4.3346% | 375 |
| Loan and lease loss provision to assets | 0.1970% | 842 |
| Net operating income to assets | -0.1371% | 5,662 |
| Return on assets (ROA) | -0.1371% | 5,665 |
| Pretax return on assets | -0.3855% | 5,707 |
| Return on Equity (ROE) | -1.1432% | 5,660 |
| Retained earnings to average equity (ytd only) | -1.1432% | 5,085 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2727% | 200 |
| Assets per employee ($millions) | 2.9387% | 5,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0826% | 5,795 |
| Loan loss allowance to noncurrent loans | 2.9563% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 1.6547% | 926 |
| Noncurrent loans to loans | 2.7934% | 520 |
| Net loans and leases to total assets | 59.1846% | 3,868 |
| Net loans and leases to deposits | 71.6496% | 3,638 |
| Net loans and leases to core deposits | 72.8177% | 3,928 |
| Total domestic deposits to total assets | 82.6028% | 3,970 |
| Equity capital to assets | 11.8909% | 1,912 |
| Core capital (leverage) ratio | 7.5916% | 5,685 |
| Tier 1 risk-based capital ratio | 14.1294% | 3,398 |
| Total risk-based capital ratio | 14.2258% | 3,991 |
| Memoranda: | ||
| Average total assets | $46,694,500 | 5,377 |
| Average earning assets | $41,867,500 | 5,383 |
| Average equity | $5,598,500 | 5,302 |
| Average total loans | $28,042,500 | 5,220 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4845% | 5,903 |
| Cost of funding earning assets | 0.0487% | 5,842 |
| Net interest margin | 0.4358% | 5,901 |
| Noninterest income to average assets | 0.0102% | 5,838 |
| Noninterest expense to average assets | 0.5617% | 5,888 |
| Loan and lease loss provision to assets | 0.0082% | 4,202 |
| Net operating income to assets | -0.1025% | 5,686 |
| Return on assets (ROA) | -0.1025% | 5,697 |
| Pretax return on assets | -0.1558% | 5,706 |
| Return on Equity (ROE) | -0.6968% | 5,689 |
| Retained earnings to average equity (ytd only) | -0.6968% | 5,409 |
| Net charge-offs to loans | 0.0121% | 3,864 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | -18.0000% | 4,253 |
| Efficiency ratio | 132.6733% | 53 |
| Assets per employee ($millions) | 3.5311% | 4,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,860 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 2.1872% | 601 |
| Noncurrent loans to loans | 3.5560% | 332 |
| Net loans and leases to total assets | 61.5066% | 3,660 |
| Net loans and leases to deposits | 74.0214% | 3,513 |
| Net loans and leases to core deposits | 75.2465% | 3,816 |
| Total domestic deposits to total assets | 83.0930% | 3,741 |
| Equity capital to assets | 12.2124% | 1,675 |
| Core capital (leverage) ratio | 8.5783% | 5,188 |
| Tier 1 risk-based capital ratio | 16.5756% | 2,318 |
| Total risk-based capital ratio | 16.5756% | 2,764 |
| Memoranda: | ||
| Average total assets | $48,782,400 | 5,371 |
| Average earning assets | $45,199,800 | 5,351 |
| Average equity | $7,176,000 | 5,063 |
| Average total loans | $33,057,000 | 5,096 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1924% | 5,369 |
| Cost of funding earning assets | 0.5263% | 1,900 |
| Net interest margin | 2.6661% | 5,528 |
| Noninterest income to average assets | 0.0997% | 5,717 |
| Noninterest expense to average assets | 4.7350% | 317 |
| Loan and lease loss provision to assets | 0.3232% | 514 |
| Net operating income to assets | -1.6161% | 5,935 |
| Return on assets (ROA) | -1.6161% | 5,935 |
| Pretax return on assets | -2.4753% | 5,950 |
| Return on Equity (ROE) | -10.5699% | 5,909 |
| Retained earnings to average equity (ytd only) | -10.5699% | 5,854 |
| Net charge-offs to loans | 0.4903% | 434 |
| Credit loss provision to net charge-offs | 95.2381% | 2,453 |
| Earnings coverage of net charge-offs (x) | -6.3411% | 3,906 |
| Efficiency ratio | 183.3160% | 16 |
| Assets per employee ($millions) | 3.6685% | 4,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5347% | 1,646 |
| Loan loss allowance to noncurrent loans | 52.5571% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 1.9920% | 778 |
| Noncurrent loans to loans | 2.9201% | 530 |
| Net loans and leases to total assets | 64.9766% | 3,273 |
| Net loans and leases to deposits | 80.7673% | 2,881 |
| Net loans and leases to core deposits | 82.1680% | 3,266 |
| Total domestic deposits to total assets | 80.4491% | 4,404 |
| Equity capital to assets | 15.3425% | 663 |
| Core capital (leverage) ratio | 14.9772% | 640 |
| Tier 1 risk-based capital ratio | 28.9110% | 531 |
| Total risk-based capital ratio | 30.1689% | 522 |
| Memoranda: | ||
| Average total assets | $49,502,000 | 5,408 |
| Average earning assets | $46,108,000 | 5,382 |
| Average equity | $7,568,500 | 5,052 |
| Average total loans | $34,262,750 | 5,108 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2359% | 5,382 |
| Cost of funding earning assets | 0.5272% | 1,888 |
| Net interest margin | 2.7087% | 5,558 |
| Noninterest income to average assets | 0.0998% | 5,780 |
| Noninterest expense to average assets | 4.9815% | 270 |
| Loan and lease loss provision to assets | 0.4790% | 277 |
| Net operating income to assets | -1.9120% | 6,012 |
| Return on assets (ROA) | -1.9120% | 6,012 |
| Pretax return on assets | -2.8380% | 6,028 |
| Return on Equity (ROE) | -12.5191% | 5,989 |
| Retained earnings to average equity (ytd only) | -12.5191% | 5,908 |
| Net charge-offs to loans | 0.5058% | 433 |
| Credit loss provision to net charge-offs | 134.8315% | 1,732 |
| Earnings coverage of net charge-offs (x) | -6.6404% | 3,638 |
| Efficiency ratio | 189.9543% | 20 |
| Assets per employee ($millions) | 3.5691% | 4,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5722% | 1,608 |
| Loan loss allowance to noncurrent loans | 68.8742% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 1.5730% | 1,187 |
| Noncurrent loans to loans | 2.2828% | 802 |
| Net loans and leases to total assets | 65.1497% | 3,207 |
| Net loans and leases to deposits | 84.3783% | 2,423 |
| Net loans and leases to core deposits | 85.8288% | 2,916 |
| Total domestic deposits to total assets | 77.2114% | 5,133 |
| Equity capital to assets | 14.8975% | 754 |
| Core capital (leverage) ratio | 14.8728% | 632 |
| Tier 1 risk-based capital ratio | 27.6991% | 612 |
| Total risk-based capital ratio | 28.9554% | 598 |
| Memoranda: | ||
| Average total assets | $50,105,670 | 5,458 |
| Average earning assets | $46,664,670 | 5,431 |
| Average equity | $7,652,330 | 5,080 |
| Average total loans | $35,193,330 | 5,131 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3344% | 5,251 |
| Cost of funding earning assets | 0.5215% | 1,930 |
| Net interest margin | 2.8128% | 5,455 |
| Noninterest income to average assets | 0.0877% | 5,858 |
| Noninterest expense to average assets | 5.7400% | 192 |
| Loan and lease loss provision to assets | 0.9567% | 98 |
| Net operating income to assets | -2.5511% | 6,088 |
| Return on assets (ROA) | -2.5511% | 6,087 |
| Pretax return on assets | -3.9861% | 6,096 |
| Return on Equity (ROE) | -16.5023% | 6,057 |
| Retained earnings to average equity (ytd only) | -16.5023% | 5,924 |
| Net charge-offs to loans | 0.6510% | 331 |
| Credit loss provision to net charge-offs | 203.3898% | 1,069 |
| Earnings coverage of net charge-offs (x) | -6.4407% | 3,048 |
| Efficiency ratio | 211.7647% | 16 |
| Assets per employee ($millions) | 3.8487% | 4,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5613% | 1,746 |
| Loan loss allowance to noncurrent loans | 64.3275% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 1.7089% | 1,132 |
| Noncurrent loans to loans | 2.4271% | 793 |
| Net loans and leases to total assets | 69.3083% | 2,455 |
| Net loans and leases to deposits | 90.1310% | 1,565 |
| Net loans and leases to core deposits | 91.6799% | 2,215 |
| Total domestic deposits to total assets | 76.8972% | 5,302 |
| Equity capital to assets | 15.1940% | 652 |
| Core capital (leverage) ratio | 15.2058% | 573 |
| Tier 1 risk-based capital ratio | 27.0030% | 676 |
| Total risk-based capital ratio | 28.2589% | 656 |
| Memoranda: | ||
| Average total assets | $50,174,500 | 5,508 |
| Average earning assets | $46,785,500 | 5,475 |
| Average equity | $7,756,500 | 5,100 |
| Average total loans | $36,253,000 | 5,137 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7064% | 4,353 |
| Cost of funding earning assets | 0.5357% | 1,879 |
| Net interest margin | 3.1707% | 4,712 |
| Noninterest income to average assets | 0.0953% | 5,889 |
| Noninterest expense to average assets | 3.6000% | 1,125 |
| Loan and lease loss provision to assets | 0.0914% | 2,477 |
| Net operating income to assets | -0.3481% | 6,003 |
| Return on assets (ROA) | -0.3481% | 6,008 |
| Pretax return on assets | -0.6146% | 6,062 |
| Return on Equity (ROE) | -2.2247% | 5,987 |
| Retained earnings to average equity (ytd only) | -2.2247% | 5,763 |
| Net charge-offs to loans | 0.4557% | 603 |
| Credit loss provision to net charge-offs | 25.5435% | 3,700 |
| Earnings coverage of net charge-offs (x) | -1.4620% | 4,348 |
| Efficiency ratio | 117.0038% | 101 |
| Assets per employee ($millions) | 3.8705% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 2,828 |
| Loan loss allowance to noncurrent loans | 54.6980% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 1.7768% | 1,071 |
| Noncurrent loans to loans | 2.3981% | 790 |
| Net loans and leases to total assets | 73.1179% | 1,868 |
| Net loans and leases to deposits | 95.6603% | 1,050 |
| Net loans and leases to core deposits | 97.2972% | 1,734 |
| Total domestic deposits to total assets | 76.4349% | 5,395 |
| Equity capital to assets | 15.7226% | 559 |
| Core capital (leverage) ratio | 15.6137% | 517 |
| Tier 1 risk-based capital ratio | 27.0120% | 665 |
| Total risk-based capital ratio | 28.2651% | 646 |
| Memoranda: | ||
| Average total assets | $51,416,600 | 5,515 |
| Average earning assets | $48,348,800 | 5,473 |
| Average equity | $8,046,200 | 5,053 |
| Average total loans | $40,378,400 | 4,998 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7404% | 4,290 |
| Cost of funding earning assets | 0.5371% | 1,913 |
| Net interest margin | 3.2033% | 4,660 |
| Noninterest income to average assets | 0.0903% | 5,992 |
| Noninterest expense to average assets | 3.4847% | 1,316 |
| Loan and lease loss provision to assets | 0.0464% | 3,274 |
| Net operating income to assets | -0.1651% | 6,034 |
| Return on assets (ROA) | -0.1651% | 6,048 |
| Pretax return on assets | -0.4256% | 6,121 |
| Return on Equity (ROE) | -1.0561% | 6,028 |
| Retained earnings to average equity (ytd only) | -1.0561% | 5,764 |
| Net charge-offs to loans | 0.5767% | 395 |
| Credit loss provision to net charge-offs | 10.1124% | 3,449 |
| Earnings coverage of net charge-offs (x) | -0.8259% | 4,046 |
| Efficiency ratio | 112.2093% | 130 |
| Assets per employee ($millions) | 3.6104% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 3,784 |
| Loan loss allowance to noncurrent loans | 50.0537% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 1.8419% | 1,147 |
| Noncurrent loans to loans | 2.3499% | 892 |
| Net loans and leases to total assets | 77.4597% | 1,184 |
| Net loans and leases to deposits | 101.6803% | 565 |
| Net loans and leases to core deposits | 103.4782% | 1,266 |
| Total domestic deposits to total assets | 76.1796% | 5,464 |
| Equity capital to assets | 15.9027% | 574 |
| Core capital (leverage) ratio | 15.6708% | 536 |
| Tier 1 risk-based capital ratio | 25.9676% | 765 |
| Total risk-based capital ratio | 27.2210% | 752 |
| Memoranda: | ||
| Average total assets | $51,691,750 | 5,583 |
| Average earning assets | $48,656,500 | 5,536 |
| Average equity | $8,080,000 | 5,113 |
| Average total loans | $41,153,250 | 5,015 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7516% | 4,232 |
| Cost of funding earning assets | 0.5383% | 1,917 |
| Net interest margin | 3.2133% | 4,622 |
| Noninterest income to average assets | 0.0883% | 6,064 |
| Noninterest expense to average assets | 3.2185% | 1,926 |
| Loan and lease loss provision to assets | 0.0653% | 2,813 |
| Net operating income to assets | -0.0346% | 6,017 |
| Return on assets (ROA) | -0.0346% | 6,046 |
| Pretax return on assets | -0.1690% | 6,094 |
| Return on Equity (ROE) | -0.2224% | 6,043 |
| Retained earnings to average equity (ytd only) | -0.2224% | 5,549 |
| Net charge-offs to loans | 0.5088% | 487 |
| Credit loss provision to net charge-offs | 16.0377% | 3,054 |
| Earnings coverage of net charge-offs (x) | -0.2547% | 3,729 |
| Efficiency ratio | 103.3292% | 263 |
| Assets per employee ($millions) | 3.6611% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 3,133 |
| Loan loss allowance to noncurrent loans | 61.3714% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 1.7072% | 1,388 |
| Noncurrent loans to loans | 2.1511% | 1,117 |
| Net loans and leases to total assets | 78.3143% | 1,032 |
| Net loans and leases to deposits | 102.3353% | 530 |
| Net loans and leases to core deposits | 104.8398% | 1,138 |
| Total domestic deposits to total assets | 76.5272% | 5,530 |
| Equity capital to assets | 15.7780% | 552 |
| Core capital (leverage) ratio | 15.4156% | 555 |
| Tier 1 risk-based capital ratio | 25.8643% | 788 |
| Total risk-based capital ratio | 27.1212% | 773 |
| Memoranda: | ||
| Average total assets | $52,074,000 | 5,635 |
| Average earning assets | $49,046,330 | 5,584 |
| Average equity | $8,094,000 | 5,142 |
| Average total loans | $41,665,000 | 5,041 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7463% | 4,211 |
| Cost of funding earning assets | 0.5502% | 1,842 |
| Net interest margin | 3.1961% | 4,628 |
| Noninterest income to average assets | 0.0991% | 6,087 |
| Noninterest expense to average assets | 2.9495% | 2,742 |
| Loan and lease loss provision to assets | 0.1296% | 1,603 |
| Net operating income to assets | 0.0305% | 5,978 |
| Return on assets (ROA) | 0.0305% | 6,018 |
| Pretax return on assets | 0.0305% | 6,016 |
| Return on Equity (ROE) | 0.1976% | 6,026 |
| Retained earnings to average equity (ytd only) | 0.1976% | 5,304 |
| Net charge-offs to loans | 0.9962% | 237 |
| Credit loss provision to net charge-offs | 16.1905% | 2,391 |
| Earnings coverage of net charge-offs (x) | 0.2000% | 3,087 |
| Efficiency ratio | 94.8529% | 552 |
| Assets per employee ($millions) | 4.0223% | 3,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3146% | 3,322 |
| Loan loss allowance to noncurrent loans | 59.7114% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 1.7231% | 1,448 |
| Noncurrent loans to loans | 2.2015% | 1,151 |
| Net loans and leases to total assets | 77.2385% | 1,025 |
| Net loans and leases to deposits | 102.9597% | 417 |
| Net loans and leases to core deposits | 105.4710% | 972 |
| Total domestic deposits to total assets | 75.0182% | 5,828 |
| Equity capital to assets | 15.4924% | 625 |
| Core capital (leverage) ratio | 15.3849% | 550 |
| Tier 1 risk-based capital ratio | 27.3400% | 690 |
| Total risk-based capital ratio | 28.6573% | 667 |
| Memoranda: | ||
| Average total assets | $52,483,500 | 5,674 |
| Average earning assets | $49,435,500 | 5,626 |
| Average equity | $8,097,500 | 5,191 |
| Average total loans | $42,159,000 | 5,064 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1879% | 2,986 |
| Cost of funding earning assets | 0.6539% | 1,380 |
| Net interest margin | 3.5340% | 3,668 |
| Noninterest income to average assets | 0.1390% | 6,003 |
| Noninterest expense to average assets | 3.0232% | 2,774 |
| Loan and lease loss provision to assets | 0.9577% | 120 |
| Net operating income to assets | -0.5408% | 6,306 |
| Return on assets (ROA) | -0.5408% | 6,305 |
| Pretax return on assets | -0.5032% | 6,291 |
| Return on Equity (ROE) | -3.4467% | 6,262 |
| Retained earnings to average equity (ytd only) | -3.4467% | 6,116 |
| Net charge-offs to loans | 0.3210% | 1,379 |
| Credit loss provision to net charge-offs | 359.1549% | 731 |
| Earnings coverage of net charge-offs (x) | 1.7042% | 4,352 |
| Efficiency ratio | 86.9330% | 1,086 |
| Assets per employee ($millions) | 4.0521% | 3,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4427% | 2,729 |
| Loan loss allowance to noncurrent loans | 75.5127% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 1.5737% | 1,720 |
| Noncurrent loans to loans | 1.9105% | 1,476 |
| Net loans and leases to total assets | 81.1853% | 614 |
| Net loans and leases to deposits | 110.6924% | 219 |
| Net loans and leases to core deposits | 114.3445% | 586 |
| Total domestic deposits to total assets | 73.3432% | 5,993 |
| Equity capital to assets | 15.3653% | 640 |
| Core capital (leverage) ratio | 15.1397% | 584 |
| Tier 1 risk-based capital ratio | 23.3247% | 1,029 |
| Total risk-based capital ratio | 24.5819% | 1,005 |
| Memoranda: | ||
| Average total assets | $53,255,200 | 5,713 |
| Average earning assets | $50,311,800 | 5,666 |
| Average equity | $8,355,800 | 5,114 |
| Average total loans | $44,237,400 | 5,026 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2824% | 2,701 |
| Cost of funding earning assets | 0.6552% | 1,423 |
| Net interest margin | 3.6272% | 3,322 |
| Noninterest income to average assets | 0.1548% | 5,984 |
| Noninterest expense to average assets | 3.0037% | 2,789 |
| Loan and lease loss provision to assets | 0.2122% | 1,087 |
| Net operating income to assets | 0.2322% | 5,773 |
| Return on assets (ROA) | 0.2322% | 5,834 |
| Pretax return on assets | 0.3670% | 5,648 |
| Return on Equity (ROE) | 1.4725% | 5,955 |
| Retained earnings to average equity (ytd only) | 1.4725% | 5,308 |
| Net charge-offs to loans | 0.2340% | 1,645 |
| Credit loss provision to net charge-offs | 108.9744% | 2,055 |
| Earnings coverage of net charge-offs (x) | 2.9743% | 3,777 |
| Efficiency ratio | 83.8328% | 1,408 |
| Assets per employee ($millions) | 4.1208% | 3,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5819% | 6,249 |
| Loan loss allowance to noncurrent loans | 28.6177% | 5,768 |
| Noncurrent assets plus other real estate owned to assets | 1.7286% | 1,733 |
| Noncurrent loans to loans | 2.0334% | 1,551 |
| Net loans and leases to total assets | 84.5137% | 302 |
| Net loans and leases to deposits | 118.9324% | 110 |
| Net loans and leases to core deposits | 122.9904% | 330 |
| Total domestic deposits to total assets | 71.0603% | 6,227 |
| Equity capital to assets | 15.8148% | 589 |
| Core capital (leverage) ratio | 15.8294% | 501 |
| Tier 1 risk-based capital ratio | 23.2609% | 1,084 |
| Total risk-based capital ratio | 23.9887% | 1,131 |
| Memoranda: | ||
| Average total assets | $53,399,750 | 5,774 |
| Average earning assets | $50,468,750 | 5,720 |
| Average equity | $8,421,250 | 5,146 |
| Average total loans | $44,448,750 | 5,073 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2658% | 2,717 |
| Cost of funding earning assets | 0.6547% | 1,472 |
| Net interest margin | 3.6110% | 3,315 |
| Noninterest income to average assets | 0.1612% | 5,988 |
| Noninterest expense to average assets | 3.0107% | 2,791 |
| Loan and lease loss provision to assets | 0.2250% | 1,025 |
| Net operating income to assets | 0.1800% | 5,894 |
| Return on assets (ROA) | 0.1800% | 5,940 |
| Pretax return on assets | 0.3374% | 5,709 |
| Return on Equity (ROE) | 1.1423% | 6,028 |
| Retained earnings to average equity (ytd only) | 1.1423% | 5,297 |
| Net charge-offs to loans | 0.1180% | 2,486 |
| Credit loss provision to net charge-offs | 230.7692% | 1,047 |
| Earnings coverage of net charge-offs (x) | 5.7692% | 2,872 |
| Efficiency ratio | 84.2602% | 1,475 |
| Assets per employee ($millions) | 4.1229% | 3,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6553% | 6,240 |
| Loan loss allowance to noncurrent loans | 27.1123% | 5,851 |
| Noncurrent assets plus other real estate owned to assets | 2.0094% | 1,594 |
| Noncurrent loans to loans | 2.4168% | 1,300 |
| Net loans and leases to total assets | 82.5982% | 412 |
| Net loans and leases to deposits | 115.9018% | 121 |
| Net loans and leases to core deposits | 119.8295% | 384 |
| Total domestic deposits to total assets | 71.2657% | 6,301 |
| Equity capital to assets | 15.7301% | 593 |
| Core capital (leverage) ratio | 15.7427% | 514 |
| Tier 1 risk-based capital ratio | 23.5552% | 1,038 |
| Total risk-based capital ratio | 24.3716% | 1,080 |
| Memoranda: | ||
| Average total assets | $53,343,000 | 5,824 |
| Average earning assets | $50,401,330 | 5,776 |
| Average equity | $8,404,330 | 5,176 |
| Average total loans | $44,085,330 | 5,122 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2905% | 2,562 |
| Cost of funding earning assets | 0.6607% | 1,506 |
| Net interest margin | 3.6298% | 3,144 |
| Noninterest income to average assets | 0.1879% | 5,839 |
| Noninterest expense to average assets | 3.0593% | 2,659 |
| Loan and lease loss provision to assets | 0.2255% | 992 |
| Net operating income to assets | 0.1729% | 5,874 |
| Return on assets (ROA) | 0.1729% | 5,917 |
| Pretax return on assets | 0.3307% | 5,650 |
| Return on Equity (ROE) | 1.0964% | 6,017 |
| Retained earnings to average equity (ytd only) | 1.0964% | 5,163 |
| Net charge-offs to loans | 0.0639% | 2,514 |
| Credit loss provision to net charge-offs | 428.5714% | 614 |
| Earnings coverage of net charge-offs (x) | 10.5714% | 1,848 |
| Efficiency ratio | 84.6154% | 1,601 |
| Assets per employee ($millions) | 4.1164% | 3,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6405% | 6,358 |
| Loan loss allowance to noncurrent loans | 30.8114% | 5,837 |
| Noncurrent assets plus other real estate owned to assets | 1.7043% | 2,074 |
| Noncurrent loans to loans | 2.0788% | 1,780 |
| Net loans and leases to total assets | 81.4568% | 403 |
| Net loans and leases to deposits | 114.2985% | 103 |
| Net loans and leases to core deposits | 118.1685% | 357 |
| Total domestic deposits to total assets | 71.2668% | 6,395 |
| Equity capital to assets | 15.7009% | 566 |
| Core capital (leverage) ratio | 15.8073% | 503 |
| Tier 1 risk-based capital ratio | 24.3119% | 960 |
| Total risk-based capital ratio | 25.1223% | 1,001 |
| Memoranda: | ||
| Average total assets | $53,215,500 | 5,878 |
| Average earning assets | $50,251,000 | 5,830 |
| Average equity | $8,391,000 | 5,202 |
| Average total loans | $43,846,500 | 5,172 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5805% | 1,931 |
| Cost of funding earning assets | 0.6375% | 2,317 |
| Net interest margin | 3.9430% | 2,126 |
| Noninterest income to average assets | 0.1869% | 5,971 |
| Noninterest expense to average assets | 2.9568% | 3,173 |
| Loan and lease loss provision to assets | 0.2585% | 1,389 |
| Net operating income to assets | 0.4991% | 4,739 |
| Return on assets (ROA) | 0.4991% | 4,872 |
| Pretax return on assets | 0.6860% | 4,593 |
| Return on Equity (ROE) | 3.0364% | 5,491 |
| Retained earnings to average equity (ytd only) | 3.0364% | 4,069 |
| Net charge-offs to loans | 0.3878% | 1,738 |
| Credit loss provision to net charge-offs | 77.8443% | 3,098 |
| Earnings coverage of net charge-offs (x) | 2.8443% | 4,055 |
| Efficiency ratio | 75.7900% | 2,809 |
| Assets per employee ($millions) | 4.0706% | 3,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5887% | 6,491 |
| Loan loss allowance to noncurrent loans | 26.2195% | 6,046 |
| Noncurrent assets plus other real estate owned to assets | 1.8595% | 1,965 |
| Noncurrent loans to loans | 2.2454% | 1,727 |
| Net loans and leases to total assets | 82.3236% | 383 |
| Net loans and leases to deposits | 115.8925% | 98 |
| Net loans and leases to core deposits | 119.8624% | 334 |
| Total domestic deposits to total assets | 71.0344% | 6,478 |
| Equity capital to assets | 15.8358% | 552 |
| Core capital (leverage) ratio | 16.0123% | 468 |
| Tier 1 risk-based capital ratio | 24.6956% | 887 |
| Total risk-based capital ratio | 25.4562% | 923 |
| Memoranda: | ||
| Average total assets | $50,290,600 | 6,009 |
| Average earning assets | $47,375,200 | 5,955 |
| Average equity | $8,266,400 | 5,272 |
| Average total loans | $43,059,800 | 5,232 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6612% | 1,718 |
| Cost of funding earning assets | 0.6247% | 2,611 |
| Net interest margin | 4.0364% | 1,827 |
| Noninterest income to average assets | 0.1934% | 6,015 |
| Noninterest expense to average assets | 2.9307% | 3,208 |
| Loan and lease loss provision to assets | 0.2230% | 1,631 |
| Net operating income to assets | 0.5776% | 4,437 |
| Return on assets (ROA) | 0.5776% | 4,573 |
| Pretax return on assets | 0.8408% | 4,135 |
| Return on Equity (ROE) | 3.4797% | 5,442 |
| Retained earnings to average equity (ytd only) | 3.4797% | 4,212 |
| Net charge-offs to loans | 0.2208% | 2,488 |
| Credit loss provision to net charge-offs | 116.9014% | 2,016 |
| Earnings coverage of net charge-offs (x) | 5.5778% | 3,158 |
| Efficiency ratio | 73.3692% | 3,162 |
| Assets per employee ($millions) | 3.9947% | 3,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6858% | 6,460 |
| Loan loss allowance to noncurrent loans | 30.9164% | 5,951 |
| Noncurrent assets plus other real estate owned to assets | 1.9122% | 2,119 |
| Noncurrent loans to loans | 2.2182% | 1,998 |
| Net loans and leases to total assets | 85.6117% | 164 |
| Net loans and leases to deposits | 119.8970% | 68 |
| Net loans and leases to core deposits | 124.1663% | 258 |
| Total domestic deposits to total assets | 71.4044% | 6,529 |
| Equity capital to assets | 16.0733% | 542 |
| Core capital (leverage) ratio | 16.4277% | 437 |
| Tier 1 risk-based capital ratio | 24.3150% | 955 |
| Total risk-based capital ratio | 25.2099% | 995 |
| Memoranda: | ||
| Average total assets | $49,633,750 | 6,090 |
| Average earning assets | $46,739,750 | 6,035 |
| Average equity | $8,238,000 | 5,329 |
| Average total loans | $42,869,250 | 5,281 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7170% | 1,524 |
| Cost of funding earning assets | 0.6223% | 2,750 |
| Net interest margin | 4.0947% | 1,557 |
| Noninterest income to average assets | 0.2128% | 5,920 |
| Noninterest expense to average assets | 2.9549% | 3,148 |
| Loan and lease loss provision to assets | 0.1964% | 1,935 |
| Net operating income to assets | 0.6057% | 4,250 |
| Return on assets (ROA) | 0.6057% | 4,431 |
| Pretax return on assets | 0.9127% | 3,861 |
| Return on Equity (ROE) | 3.6090% | 5,380 |
| Retained earnings to average equity (ytd only) | 3.6090% | 4,020 |
| Net charge-offs to loans | 0.0994% | 3,371 |
| Credit loss provision to net charge-offs | 228.5714% | 1,076 |
| Earnings coverage of net charge-offs (x) | 12.9048% | 1,941 |
| Efficiency ratio | 72.7090% | 3,353 |
| Assets per employee ($millions) | 3.8486% | 4,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7500% | 6,431 |
| Loan loss allowance to noncurrent loans | 35.0381% | 5,836 |
| Noncurrent assets plus other real estate owned to assets | 1.8368% | 2,361 |
| Noncurrent loans to loans | 2.1405% | 2,237 |
| Net loans and leases to total assets | 85.1675% | 179 |
| Net loans and leases to deposits | 114.2938% | 94 |
| Net loans and leases to core deposits | 119.1916% | 330 |
| Total domestic deposits to total assets | 74.5163% | 6,400 |
| Equity capital to assets | 16.5494% | 463 |
| Core capital (leverage) ratio | 16.8647% | 384 |
| Tier 1 risk-based capital ratio | 25.5528% | 813 |
| Total risk-based capital ratio | 26.5473% | 822 |
| Memoranda: | ||
| Average total assets | $48,868,000 | 6,152 |
| Average earning assets | $45,961,330 | 6,102 |
| Average equity | $8,201,670 | 5,379 |
| Average total loans | $42,237,000 | 5,328 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7578% | 1,381 |
| Cost of funding earning assets | 0.6344% | 2,799 |
| Net interest margin | 4.1234% | 1,393 |
| Noninterest income to average assets | 0.2071% | 5,998 |
| Noninterest expense to average assets | 3.1728% | 2,440 |
| Loan and lease loss provision to assets | 0.1905% | 1,932 |
| Net operating income to assets | 0.4805% | 4,774 |
| Return on assets (ROA) | 0.4805% | 4,934 |
| Pretax return on assets | 0.7207% | 4,484 |
| Return on Equity (ROE) | 2.8423% | 5,647 |
| Retained earnings to average equity (ytd only) | 2.8423% | 4,574 |
| Net charge-offs to loans | 0.1719% | 2,371 |
| Credit loss provision to net charge-offs | 127.7778% | 1,534 |
| Earnings coverage of net charge-offs (x) | 6.1111% | 2,275 |
| Efficiency ratio | 77.6876% | 2,662 |
| Assets per employee ($millions) | 3.7421% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7239% | 6,558 |
| Loan loss allowance to noncurrent loans | 36.6300% | 5,749 |
| Noncurrent assets plus other real estate owned to assets | 1.6836% | 2,767 |
| Noncurrent loans to loans | 1.9762% | 2,642 |
| Net loans and leases to total assets | 84.5746% | 172 |
| Net loans and leases to deposits | 108.3966% | 152 |
| Net loans and leases to core deposits | 112.9495% | 414 |
| Total domestic deposits to total assets | 78.0233% | 6,110 |
| Equity capital to assets | 16.8376% | 443 |
| Core capital (leverage) ratio | 16.7523% | 378 |
| Tier 1 risk-based capital ratio | 26.5129% | 743 |
| Total risk-based capital ratio | 27.4848% | 751 |
| Memoranda: | ||
| Average total assets | $48,286,000 | 6,231 |
| Average earning assets | $45,399,000 | 6,178 |
| Average equity | $8,162,500 | 5,445 |
| Average total loans | $41,889,000 | 5,381 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8758% | 1,924 |
| Cost of funding earning assets | 0.8859% | 2,020 |
| Net interest margin | 3.9899% | 2,434 |
| Noninterest income to average assets | 0.2067% | 5,936 |
| Noninterest expense to average assets | 3.1466% | 2,786 |
| Loan and lease loss provision to assets | 0.0940% | 4,498 |
| Net operating income to assets | 0.4719% | 4,797 |
| Return on assets (ROA) | 0.4719% | 5,050 |
| Pretax return on assets | 0.7183% | 4,604 |
| Return on Equity (ROE) | 2.8199% | 5,624 |
| Retained earnings to average equity (ytd only) | 2.8199% | 4,251 |
| Net charge-offs to loans | 0.0582% | 5,116 |
| Credit loss provision to net charge-offs | 187.5000% | 1,391 |
| Earnings coverage of net charge-offs (x) | 16.2083% | 1,593 |
| Efficiency ratio | 79.4831% | 2,214 |
| Assets per employee ($millions) | 3.6865% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6968% | 6,639 |
| Loan loss allowance to noncurrent loans | 46.3108% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 1.3292% | 3,420 |
| Noncurrent loans to loans | 1.5047% | 3,345 |
| Net loans and leases to total assets | 87.7204% | 90 |
| Net loans and leases to deposits | 112.5358% | 128 |
| Net loans and leases to core deposits | 116.3608% | 349 |
| Total domestic deposits to total assets | 77.9489% | 6,088 |
| Equity capital to assets | 16.9724% | 418 |
| Core capital (leverage) ratio | 16.7164% | 378 |
| Tier 1 risk-based capital ratio | 26.1177% | 758 |
| Total risk-based capital ratio | 27.0659% | 775 |
| Memoranda: | ||
| Average total assets | $47,892,600 | 6,268 |
| Average earning assets | $45,038,400 | 6,207 |
| Average equity | $8,014,400 | 5,499 |
| Average total loans | $41,272,000 | 5,452 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8585% | 2,160 |
| Cost of funding earning assets | 0.9149% | 2,073 |
| Net interest margin | 3.9437% | 2,734 |
| Noninterest income to average assets | 0.2116% | 6,028 |
| Noninterest expense to average assets | 3.1965% | 2,582 |
| Loan and lease loss provision to assets | 0.0640% | 4,910 |
| Net operating income to assets | 0.4399% | 5,078 |
| Return on assets (ROA) | 0.4399% | 5,317 |
| Pretax return on assets | 0.6599% | 4,980 |
| Return on Equity (ROE) | 2.6384% | 5,824 |
| Retained earnings to average equity (ytd only) | 2.6384% | 4,980 |
| Net charge-offs to loans | 0.0520% | 4,928 |
| Credit loss provision to net charge-offs | 143.7500% | 1,995 |
| Earnings coverage of net charge-offs (x) | 16.2522% | 1,704 |
| Efficiency ratio | 81.5341% | 1,860 |
| Assets per employee ($millions) | 3.7466% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6815% | 6,773 |
| Loan loss allowance to noncurrent loans | 49.3849% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 1.1682% | 3,948 |
| Noncurrent loans to loans | 1.3800% | 3,724 |
| Net loans and leases to total assets | 84.0759% | 223 |
| Net loans and leases to deposits | 111.7936% | 135 |
| Net loans and leases to core deposits | 115.7499% | 392 |
| Total domestic deposits to total assets | 75.2063% | 6,492 |
| Equity capital to assets | 16.5626% | 519 |
| Core capital (leverage) ratio | 16.5888% | 419 |
| Tier 1 risk-based capital ratio | 26.4535% | 786 |
| Total risk-based capital ratio | 27.3760% | 798 |
| Memoranda: | ||
| Average total assets | $47,884,500 | 6,341 |
| Average earning assets | $45,033,250 | 6,276 |
| Average equity | $7,984,500 | 5,561 |
| Average total loans | $41,006,250 | 5,522 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8788% | 2,194 |
| Cost of funding earning assets | 0.9338% | 2,156 |
| Net interest margin | 3.9450% | 2,731 |
| Noninterest income to average assets | 0.2184% | 6,004 |
| Noninterest expense to average assets | 3.2346% | 2,481 |
| Loan and lease loss provision to assets | 0.0630% | 4,864 |
| Net operating income to assets | 0.3991% | 5,210 |
| Return on assets (ROA) | 0.3991% | 5,451 |
| Pretax return on assets | 0.6301% | 5,027 |
| Return on Equity (ROE) | 2.3878% | 5,917 |
| Retained earnings to average equity (ytd only) | 2.3878% | 5,001 |
| Net charge-offs to loans | 0.0391% | 4,827 |
| Credit loss provision to net charge-offs | 187.5000% | 1,508 |
| Earnings coverage of net charge-offs (x) | 20.6250% | 1,379 |
| Efficiency ratio | 82.3529% | 1,839 |
| Assets per employee ($millions) | 3.7478% | 4,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6833% | 6,842 |
| Loan loss allowance to noncurrent loans | 58.4200% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 0.9872% | 4,400 |
| Noncurrent loans to loans | 1.1696% | 4,199 |
| Net loans and leases to total assets | 83.8307% | 223 |
| Net loans and leases to deposits | 114.2106% | 98 |
| Net loans and leases to core deposits | 117.4252% | 358 |
| Total domestic deposits to total assets | 73.4001% | 6,719 |
| Equity capital to assets | 16.4299% | 520 |
| Core capital (leverage) ratio | 16.6192% | 398 |
| Tier 1 risk-based capital ratio | 25.9476% | 809 |
| Total risk-based capital ratio | 26.8594% | 830 |
| Memoranda: | ||
| Average total assets | $47,610,670 | 6,394 |
| Average earning assets | $44,765,000 | 6,322 |
| Average equity | $7,957,000 | 5,586 |
| Average total loans | $40,931,330 | 5,559 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9683% | 2,001 |
| Cost of funding earning assets | 0.9593% | 2,237 |
| Net interest margin | 4.0090% | 2,466 |
| Noninterest income to average assets | 0.2295% | 5,981 |
| Noninterest expense to average assets | 3.2558% | 2,425 |
| Loan and lease loss provision to assets | 0.1275% | 3,752 |
| Net operating income to assets | 0.4335% | 5,111 |
| Return on assets (ROA) | 0.4335% | 5,296 |
| Pretax return on assets | 0.6120% | 5,076 |
| Return on Equity (ROE) | 2.5715% | 5,878 |
| Retained earnings to average equity (ytd only) | 2.5715% | 4,971 |
| Net charge-offs to loans | -0.0686% | 6,659 |
| Credit loss provision to net charge-offs | -214.2857% | 5,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4894% | 2,006 |
| Assets per employee ($millions) | 3.6495% | 4,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7142% | 6,860 |
| Loan loss allowance to noncurrent loans | 220.8955% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.2824% | 6,184 |
| Noncurrent loans to loans | 0.3233% | 6,028 |
| Net loans and leases to total assets | 86.7317% | 99 |
| Net loans and leases to deposits | 119.1965% | 75 |
| Net loans and leases to core deposits | 122.6681% | 278 |
| Total domestic deposits to total assets | 72.7637% | 6,841 |
| Equity capital to assets | 16.7777% | 463 |
| Core capital (leverage) ratio | 16.8432% | 372 |
| Tier 1 risk-based capital ratio | 26.0482% | 798 |
| Total risk-based capital ratio | 27.0178% | 807 |
| Memoranda: | ||
| Average total assets | $47,055,000 | 6,457 |
| Average earning assets | $44,200,000 | 6,392 |
| Average equity | $7,933,000 | 5,619 |
| Average total loans | $40,834,500 | 5,608 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0078% | 2,851 |
| Cost of funding earning assets | 1.1798% | 2,165 |
| Net interest margin | 3.8281% | 3,685 |
| Noninterest income to average assets | 0.2074% | 6,031 |
| Noninterest expense to average assets | 2.9885% | 3,632 |
| Loan and lease loss provision to assets | 0.1376% | 4,898 |
| Net operating income to assets | 0.4423% | 4,683 |
| Return on assets (ROA) | 0.4423% | 4,889 |
| Pretax return on assets | 0.6730% | 4,428 |
| Return on Equity (ROE) | 2.6802% | 5,408 |
| Retained earnings to average equity (ytd only) | 2.6802% | 4,323 |
| Net charge-offs to loans | 0.1605% | 4,859 |
| Credit loss provision to net charge-offs | 103.1746% | 3,354 |
| Earnings coverage of net charge-offs (x) | 6.0794% | 2,601 |
| Efficiency ratio | 78.6630% | 2,504 |
| Assets per employee ($millions) | 3.8888% | 4,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6812% | 6,930 |
| Loan loss allowance to noncurrent loans | 67.9901% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 0.8636% | 4,900 |
| Noncurrent loans to loans | 1.0019% | 4,701 |
| Net loans and leases to total assets | 85.6084% | 142 |
| Net loans and leases to deposits | 118.0835% | 95 |
| Net loans and leases to core deposits | 121.5838% | 329 |
| Total domestic deposits to total assets | 72.4982% | 6,849 |
| Equity capital to assets | 16.9417% | 451 |
| Core capital (leverage) ratio | 16.7725% | 383 |
| Tier 1 risk-based capital ratio | 26.1536% | 762 |
| Total risk-based capital ratio | 27.0606% | 782 |
| Memoranda: | ||
| Average total assets | $47,248,200 | 6,449 |
| Average earning assets | $44,330,600 | 6,378 |
| Average equity | $7,798,000 | 5,631 |
| Average total loans | $39,244,400 | 5,727 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0009% | 3,083 |
| Cost of funding earning assets | 1.2390% | 2,071 |
| Net interest margin | 3.7619% | 4,049 |
| Noninterest income to average assets | 0.2110% | 6,107 |
| Noninterest expense to average assets | 2.9764% | 3,651 |
| Loan and lease loss provision to assets | 0.1547% | 4,532 |
| Net operating income to assets | 0.3742% | 5,108 |
| Return on assets (ROA) | 0.3742% | 5,294 |
| Pretax return on assets | 0.6077% | 4,783 |
| Return on Equity (ROE) | 2.2819% | 5,685 |
| Retained earnings to average equity (ytd only) | 2.2819% | 4,984 |
| Net charge-offs to loans | 0.0889% | 5,084 |
| Credit loss provision to net charge-offs | 211.5385% | 1,373 |
| Earnings coverage of net charge-offs (x) | 10.4217% | 1,919 |
| Efficiency ratio | 79.6087% | 2,318 |
| Assets per employee ($millions) | 3.8524% | 4,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7698% | 6,863 |
| Loan loss allowance to noncurrent loans | 345.9770% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 6,582 |
| Noncurrent loans to loans | 0.2225% | 6,428 |
| Net loans and leases to total assets | 83.9278% | 229 |
| Net loans and leases to deposits | 116.0639% | 113 |
| Net loans and leases to core deposits | 120.6474% | 369 |
| Total domestic deposits to total assets | 72.3118% | 6,912 |
| Equity capital to assets | 16.9439% | 488 |
| Core capital (leverage) ratio | 16.3382% | 463 |
| Tier 1 risk-based capital ratio | 26.7723% | 750 |
| Total risk-based capital ratio | 27.8021% | 759 |
| Memoranda: | ||
| Average total assets | $47,393,750 | 6,501 |
| Average earning assets | $44,444,500 | 6,441 |
| Average equity | $7,771,000 | 5,669 |
| Average total loans | $38,999,500 | 5,790 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9913% | 3,195 |
| Cost of funding earning assets | 1.2635% | 2,159 |
| Net interest margin | 3.7279% | 4,134 |
| Noninterest income to average assets | 0.2051% | 6,198 |
| Noninterest expense to average assets | 2.8421% | 4,267 |
| Loan and lease loss provision to assets | 0.1465% | 4,478 |
| Net operating income to assets | 0.4521% | 4,710 |
| Return on assets (ROA) | 0.4521% | 4,849 |
| Pretax return on assets | 0.7116% | 4,344 |
| Return on Equity (ROE) | 2.7870% | 5,483 |
| Retained earnings to average equity (ytd only) | 2.7870% | 4,508 |
| Net charge-offs to loans | 0.1129% | 4,570 |
| Credit loss provision to net charge-offs | 159.0909% | 1,910 |
| Earnings coverage of net charge-offs (x) | 9.3182% | 1,941 |
| Efficiency ratio | 76.8100% | 2,886 |
| Assets per employee ($millions) | 3.9202% | 3,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7246% | 6,989 |
| Loan loss allowance to noncurrent loans | 97.2696% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.6228% | 5,678 |
| Noncurrent loans to loans | 0.7450% | 5,421 |
| Net loans and leases to total assets | 83.0024% | 305 |
| Net loans and leases to deposits | 113.6545% | 130 |
| Net loans and leases to core deposits | 118.0065% | 472 |
| Total domestic deposits to total assets | 73.0305% | 6,920 |
| Equity capital to assets | 16.6043% | 529 |
| Core capital (leverage) ratio | 16.2135% | 481 |
| Tier 1 risk-based capital ratio | 26.3611% | 777 |
| Total risk-based capital ratio | 27.3243% | 789 |
| Memoranda: | ||
| Average total assets | $47,782,000 | 6,545 |
| Average earning assets | $44,797,670 | 6,479 |
| Average equity | $7,750,330 | 5,685 |
| Average total loans | $38,966,000 | 5,846 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8614% | 3,767 |
| Cost of funding earning assets | 1.3017% | 2,158 |
| Net interest margin | 3.5597% | 4,768 |
| Noninterest income to average assets | 0.2409% | 5,976 |
| Noninterest expense to average assets | 2.7912% | 4,480 |
| Loan and lease loss provision to assets | 0.1246% | 4,442 |
| Net operating income to assets | 0.4237% | 4,837 |
| Return on assets (ROA) | 0.4237% | 4,928 |
| Pretax return on assets | 0.6646% | 4,439 |
| Return on Equity (ROE) | 2.6425% | 5,545 |
| Retained earnings to average equity (ytd only) | 2.6425% | 4,581 |
| Net charge-offs to loans | 0.0825% | 4,123 |
| Credit loss provision to net charge-offs | 187.5000% | 1,564 |
| Earnings coverage of net charge-offs (x) | 11.8750% | 1,527 |
| Efficiency ratio | 77.9582% | 2,851 |
| Assets per employee ($millions) | 3.9873% | 3,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7120% | 7,064 |
| Loan loss allowance to noncurrent loans | 168.0723% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.3469% | 6,338 |
| Noncurrent loans to loans | 0.4236% | 6,152 |
| Net loans and leases to total assets | 81.3158% | 413 |
| Net loans and leases to deposits | 110.5278% | 175 |
| Net loans and leases to core deposits | 114.6444% | 578 |
| Total domestic deposits to total assets | 73.5705% | 6,942 |
| Equity capital to assets | 16.1971% | 541 |
| Core capital (leverage) ratio | 15.9364% | 511 |
| Tier 1 risk-based capital ratio | 26.2403% | 765 |
| Total risk-based capital ratio | 27.1858% | 774 |
| Memoranda: | ||
| Average total assets | $48,152,000 | 6,582 |
| Average earning assets | $45,172,000 | 6,519 |
| Average equity | $7,720,000 | 5,702 |
| Average total loans | $38,783,500 | 5,901 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1340% | 3,936 |
| Cost of funding earning assets | 1.5307% | 2,482 |
| Net interest margin | 3.6033% | 4,803 |
| Noninterest income to average assets | 0.2160% | 6,267 |
| Noninterest expense to average assets | 2.7529% | 4,773 |
| Loan and lease loss provision to assets | 0.2445% | 4,841 |
| Net operating income to assets | 0.3872% | 4,603 |
| Return on assets (ROA) | 0.3872% | 4,745 |
| Pretax return on assets | 0.6052% | 4,305 |
| Return on Equity (ROE) | 2.5025% | 5,180 |
| Retained earnings to average equity (ytd only) | 2.5025% | 4,120 |
| Net charge-offs to loans | 0.2581% | 4,746 |
| Credit loss provision to net charge-offs | 115.3846% | 3,748 |
| Earnings coverage of net charge-offs (x) | 4.0096% | 3,106 |
| Efficiency ratio | 76.4140% | 2,983 |
| Assets per employee ($millions) | 3.7274% | 4,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7087% | 7,125 |
| Loan loss allowance to noncurrent loans | 236.5217% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.2373% | 6,642 |
| Noncurrent loans to loans | 0.2996% | 6,455 |
| Net loans and leases to total assets | 78.6445% | 856 |
| Net loans and leases to deposits | 106.1179% | 318 |
| Net loans and leases to core deposits | 109.9703% | 918 |
| Total domestic deposits to total assets | 74.1105% | 6,879 |
| Equity capital to assets | 15.8701% | 603 |
| Core capital (leverage) ratio | 15.5712% | 567 |
| Tier 1 risk-based capital ratio | 26.7000% | 687 |
| Total risk-based capital ratio | 27.6441% | 704 |
| Memoranda: | ||
| Average total assets | $49,075,200 | 6,573 |
| Average earning assets | $46,123,800 | 6,507 |
| Average equity | $7,592,400 | 5,847 |
| Average total loans | $40,300,400 | 5,911 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1884% | 3,891 |
| Cost of funding earning assets | 1.5672% | 2,565 |
| Net interest margin | 3.6212% | 4,777 |
| Noninterest income to average assets | 0.2167% | 6,355 |
| Noninterest expense to average assets | 2.8546% | 4,261 |
| Loan and lease loss provision to assets | 0.2167% | 4,901 |
| Net operating income to assets | 0.3521% | 4,956 |
| Return on assets (ROA) | 0.3521% | 5,133 |
| Pretax return on assets | 0.5498% | 4,762 |
| Return on Equity (ROE) | 2.2903% | 5,497 |
| Retained earnings to average equity (ytd only) | 2.2903% | 4,794 |
| Net charge-offs to loans | 0.2223% | 4,610 |
| Credit loss provision to net charge-offs | 117.6471% | 3,526 |
| Earnings coverage of net charge-offs (x) | 4.1619% | 3,171 |
| Efficiency ratio | 78.8332% | 2,511 |
| Assets per employee ($millions) | 4.1098% | 3,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6813% | 7,225 |
| Loan loss allowance to noncurrent loans | 253.7736% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 6,828 |
| Noncurrent loans to loans | 0.2685% | 6,648 |
| Net loans and leases to total assets | 79.5085% | 824 |
| Net loans and leases to deposits | 106.7720% | 332 |
| Net loans and leases to core deposits | 106.7720% | 1,256 |
| Total domestic deposits to total assets | 74.4657% | 6,862 |
| Equity capital to assets | 15.4690% | 776 |
| Core capital (leverage) ratio | 15.3013% | 662 |
| Tier 1 risk-based capital ratio | 25.8484% | 785 |
| Total risk-based capital ratio | 26.7595% | 800 |
| Memoranda: | ||
| Average total assets | $49,230,000 | 6,650 |
| Average earning assets | $46,281,750 | 6,584 |
| Average equity | $7,568,000 | 5,921 |
| Average total loans | $40,780,500 | 5,971 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1915% | 4,002 |
| Cost of funding earning assets | 1.6223% | 2,533 |
| Net interest margin | 3.5692% | 4,951 |
| Noninterest income to average assets | 0.2114% | 6,410 |
| Noninterest expense to average assets | 2.8617% | 4,219 |
| Loan and lease loss provision to assets | 0.2439% | 4,482 |
| Net operating income to assets | 0.3211% | 5,100 |
| Return on assets (ROA) | 0.3211% | 5,267 |
| Pretax return on assets | 0.4593% | 5,031 |
| Return on Equity (ROE) | 2.0934% | 5,608 |
| Retained earnings to average equity (ytd only) | 2.0934% | 4,809 |
| Net charge-offs to loans | 0.3300% | 3,672 |
| Credit loss provision to net charge-offs | 88.2353% | 4,471 |
| Earnings coverage of net charge-offs (x) | 2.5441% | 3,728 |
| Efficiency ratio | 80.2737% | 2,408 |
| Assets per employee ($millions) | 4.1138% | 3,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6203% | 7,384 |
| Loan loss allowance to noncurrent loans | 216.5217% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.2330% | 6,813 |
| Noncurrent loans to loans | 0.2865% | 6,656 |
| Net loans and leases to total assets | 80.8127% | 689 |
| Net loans and leases to deposits | 108.1989% | 322 |
| Net loans and leases to core deposits | 108.1989% | 1,285 |
| Total domestic deposits to total assets | 74.6891% | 6,887 |
| Equity capital to assets | 15.3506% | 806 |
| Core capital (leverage) ratio | 15.2743% | 670 |
| Tier 1 risk-based capital ratio | 25.2540% | 825 |
| Total risk-based capital ratio | 26.0803% | 843 |
| Memoranda: | ||
| Average total assets | $49,200,670 | 6,685 |
| Average earning assets | $46,229,330 | 6,626 |
| Average equity | $7,547,670 | 5,949 |
| Average total loans | $41,213,670 | 6,001 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2870% | 3,605 |
| Cost of funding earning assets | 1.6988% | 2,396 |
| Net interest margin | 3.5883% | 4,781 |
| Noninterest income to average assets | 0.1954% | 6,561 |
| Noninterest expense to average assets | 2.8503% | 4,277 |
| Loan and lease loss provision to assets | 0.1629% | 4,899 |
| Net operating income to assets | 0.4479% | 4,622 |
| Return on assets (ROA) | 0.4479% | 4,752 |
| Pretax return on assets | 0.5538% | 4,775 |
| Return on Equity (ROE) | 2.9207% | 5,369 |
| Retained earnings to average equity (ytd only) | 2.9207% | 4,379 |
| Net charge-offs to loans | 0.4503% | 2,699 |
| Credit loss provision to net charge-offs | 42.5532% | 4,599 |
| Earnings coverage of net charge-offs (x) | 1.8723% | 3,607 |
| Efficiency ratio | 79.9087% | 2,579 |
| Assets per employee ($millions) | 4.0956% | 3,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5507% | 7,549 |
| Loan loss allowance to noncurrent loans | 242.1053% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.1933% | 6,986 |
| Noncurrent loans to loans | 0.2275% | 6,880 |
| Net loans and leases to total assets | 84.5118% | 330 |
| Net loans and leases to deposits | 113.2114% | 224 |
| Net loans and leases to core deposits | 113.2114% | 1,081 |
| Total domestic deposits to total assets | 74.6495% | 6,961 |
| Equity capital to assets | 15.3824% | 789 |
| Core capital (leverage) ratio | 15.3948% | 669 |
| Tier 1 risk-based capital ratio | 24.3452% | 928 |
| Total risk-based capital ratio | 25.0862% | 961 |
| Memoranda: | ||
| Average total assets | $49,118,000 | 6,761 |
| Average earning assets | $46,150,500 | 6,699 |
| Average equity | $7,532,500 | 6,002 |
| Average total loans | $41,749,000 | 6,038 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5422% | 3,917 |
| Cost of funding earning assets | 2.0539% | 2,703 |
| Net interest margin | 3.4883% | 5,010 |
| Noninterest income to average assets | 0.1926% | 6,722 |
| Noninterest expense to average assets | 2.8211% | 4,886 |
| Loan and lease loss provision to assets | 0.0725% | 6,859 |
| Net operating income to assets | 0.4184% | 4,056 |
| Return on assets (ROA) | 0.4184% | 4,155 |
| Pretax return on assets | 0.5530% | 4,039 |
| Return on Equity (ROE) | 2.7311% | 4,614 |
| Retained earnings to average equity (ytd only) | 2.7311% | 3,243 |
| Net charge-offs to loans | 0.1783% | 5,526 |
| Credit loss provision to net charge-offs | 47.2973% | 6,776 |
| Earnings coverage of net charge-offs (x) | 4.0811% | 3,074 |
| Efficiency ratio | 81.8510% | 2,623 |
| Assets per employee ($millions) | 3.7761% | 4,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6158% | 7,537 |
| Loan loss allowance to noncurrent loans | 288.7640% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 7,017 |
| Noncurrent loans to loans | 0.2133% | 6,894 |
| Net loans and leases to total assets | 84.4914% | 395 |
| Net loans and leases to deposits | 112.9336% | 292 |
| Net loans and leases to core deposits | 140.2258% | 804 |
| Total domestic deposits to total assets | 74.8151% | 6,896 |
| Equity capital to assets | 15.2886% | 845 |
| Core capital (leverage) ratio | 15.1939% | 740 |
| Tier 1 risk-based capital ratio | 24.3208% | 919 |
| Total risk-based capital ratio | 25.1540% | 937 |
| Memoranda: | ||
| Average total assets | $48,278,600 | 6,780 |
| Average earning assets | $45,036,600 | 6,721 |
| Average equity | $7,396,200 | 6,131 |
| Average total loans | $41,514,400 | 6,035 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5379% | 4,229 |
| Cost of funding earning assets | 2.1091% | 2,848 |
| Net interest margin | 3.4288% | 5,150 |
| Noninterest income to average assets | 0.1941% | 6,827 |
| Noninterest expense to average assets | 2.7789% | 4,982 |
| Loan and lease loss provision to assets | 0.0166% | 7,177 |
| Net operating income to assets | 0.4271% | 4,291 |
| Return on assets (ROA) | 0.4271% | 4,395 |
| Pretax return on assets | 0.5907% | 4,209 |
| Return on Equity (ROE) | 2.7864% | 4,883 |
| Retained earnings to average equity (ytd only) | 2.7864% | 3,776 |
| Net charge-offs to loans | 0.1672% | 5,051 |
| Credit loss provision to net charge-offs | 11.5385% | 6,610 |
| Earnings coverage of net charge-offs (x) | 4.2116% | 3,215 |
| Efficiency ratio | 82.0639% | 2,574 |
| Assets per employee ($millions) | 4.0506% | 3,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5862% | 7,603 |
| Loan loss allowance to noncurrent loans | 131.7460% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.3888% | 6,485 |
| Noncurrent loans to loans | 0.4449% | 6,437 |
| Net loans and leases to total assets | 86.8764% | 283 |
| Net loans and leases to deposits | 119.8093% | 208 |
| Net loans and leases to core deposits | 147.4030% | 648 |
| Total domestic deposits to total assets | 72.5122% | 7,145 |
| Equity capital to assets | 15.3517% | 915 |
| Core capital (leverage) ratio | 15.5022% | 760 |
| Tier 1 risk-based capital ratio | 23.8229% | 1,016 |
| Total risk-based capital ratio | 24.6188% | 1,040 |
| Memoranda: | ||
| Average total assets | $48,076,000 | 6,834 |
| Average earning assets | $44,757,000 | 6,784 |
| Average equity | $7,369,000 | 6,196 |
| Average total loans | $41,459,750 | 6,087 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5704% | 4,214 |
| Cost of funding earning assets | 2.2155% | 2,722 |
| Net interest margin | 3.3548% | 5,338 |
| Noninterest income to average assets | 0.2046% | 6,827 |
| Noninterest expense to average assets | 2.7976% | 4,971 |
| Loan and lease loss provision to assets | 0.0251% | 6,984 |
| Net operating income to assets | 0.3424% | 4,711 |
| Return on assets (ROA) | 0.3424% | 4,825 |
| Pretax return on assets | 0.4927% | 4,646 |
| Return on Equity (ROE) | 2.2349% | 5,205 |
| Retained earnings to average equity (ytd only) | 2.2349% | 4,094 |
| Net charge-offs to loans | 0.1265% | 4,901 |
| Credit loss provision to net charge-offs | 23.0769% | 6,098 |
| Earnings coverage of net charge-offs (x) | 4.7692% | 3,010 |
| Efficiency ratio | 84.3829% | 2,432 |
| Assets per employee ($millions) | 3.6719% | 4,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6647% | 7,500 |
| Loan loss allowance to noncurrent loans | 94.5017% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.6096% | 5,896 |
| Noncurrent loans to loans | 0.7034% | 5,838 |
| Net loans and leases to total assets | 86.0941% | 368 |
| Net loans and leases to deposits | 112.6779% | 457 |
| Net loans and leases to core deposits | 135.8264% | 1,220 |
| Total domestic deposits to total assets | 76.4072% | 6,464 |
| Equity capital to assets | 15.4666% | 938 |
| Core capital (leverage) ratio | 15.2360% | 872 |
| Tier 1 risk-based capital ratio | 24.3149% | 998 |
| Total risk-based capital ratio | 25.2207% | 1,017 |
| Memoranda: | ||
| Average total assets | $47,899,000 | 6,907 |
| Average earning assets | $44,413,670 | 6,866 |
| Average equity | $7,338,000 | 6,250 |
| Average total loans | $41,120,670 | 6,152 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5109% | 4,851 |
| Cost of funding earning assets | 2.3204% | 2,618 |
| Net interest margin | 3.1905% | 5,885 |
| Noninterest income to average assets | 0.2168% | 6,740 |
| Noninterest expense to average assets | 2.7844% | 4,625 |
| Loan and lease loss provision to assets | 0.0500% | 6,344 |
| Net operating income to assets | 0.2418% | 5,520 |
| Return on assets (ROA) | 0.2418% | 5,685 |
| Pretax return on assets | 0.3168% | 5,638 |
| Return on Equity (ROE) | 1.5857% | 5,927 |
| Retained earnings to average equity (ytd only) | 1.5857% | 4,966 |
| Net charge-offs to loans | 0.1951% | 3,467 |
| Credit loss provision to net charge-offs | 30.0000% | 4,947 |
| Earnings coverage of net charge-offs (x) | 2.2000% | 3,641 |
| Efficiency ratio | 88.3598% | 1,867 |
| Assets per employee ($millions) | 4.0626% | 3,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6870% | 7,479 |
| Loan loss allowance to noncurrent loans | 74.7340% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 0.7713% | 5,239 |
| Noncurrent loans to loans | 0.9192% | 5,162 |
| Net loans and leases to total assets | 83.3275% | 801 |
| Net loans and leases to deposits | 108.1895% | 713 |
| Net loans and leases to core deposits | 130.6164% | 1,623 |
| Total domestic deposits to total assets | 77.0200% | 6,275 |
| Equity capital to assets | 15.0356% | 1,093 |
| Core capital (leverage) ratio | 15.1454% | 935 |
| Tier 1 risk-based capital ratio | 24.1785% | 1,059 |
| Total risk-based capital ratio | 25.1056% | 1,076 |
| Memoranda: | ||
| Average total assets | $47,981,000 | 6,947 |
| Average earning assets | $44,130,500 | 6,925 |
| Average equity | $7,315,500 | 6,288 |
| Average total loans | $40,995,000 | 6,195 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8981% | 6,048 |
| Cost of funding earning assets | 2.6538% | 3,398 |
| Net interest margin | 3.2443% | 6,229 |
| Noninterest income to average assets | 0.2038% | 6,987 |
| Noninterest expense to average assets | 2.6937% | 5,298 |
| Loan and lease loss provision to assets | 0.0499% | 6,788 |
| Net operating income to assets | 0.3078% | 5,514 |
| Return on assets (ROA) | 0.3078% | 5,333 |
| Pretax return on assets | 0.4659% | 5,081 |
| Return on Equity (ROE) | 2.0245% | 5,615 |
| Retained earnings to average equity (ytd only) | 2.0245% | 3,973 |
| Net charge-offs to loans | 0.0338% | 6,345 |
| Credit loss provision to net charge-offs | 171.4286% | 2,980 |
| Earnings coverage of net charge-offs (x) | 17.7143% | 1,750 |
| Efficiency ratio | 83.9274% | 2,061 |
| Assets per employee ($millions) | 3.9343% | 3,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7180% | 7,377 |
| Loan loss allowance to noncurrent loans | 60.3272% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 1.0358% | 4,232 |
| Noncurrent loans to loans | 1.1902% | 4,126 |
| Net loans and leases to total assets | 86.4015% | 551 |
| Net loans and leases to deposits | 113.1355% | 660 |
| Net loans and leases to core deposits | 138.0593% | 1,370 |
| Total domestic deposits to total assets | 76.3699% | 6,149 |
| Equity capital to assets | 15.4646% | 1,059 |
| Core capital (leverage) ratio | 15.3037% | 960 |
| Tier 1 risk-based capital ratio | 24.2131% | 1,064 |
| Total risk-based capital ratio | 25.1915% | 1,069 |
| Memoranda: | ||
| Average total assets | $48,075,800 | 6,858 |
| Average earning assets | $44,539,600 | 6,835 |
| Average equity | $7,310,400 | 6,346 |
| Average total loans | $41,461,800 | 6,101 |