Home > Berkshire Bank Municipal Bank > Performance and Condition Ratios
Berkshire Bank Municipal Bank, Performance and Condition Ratios
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4599% | 6,558 |
| Cost of funding earning assets | 0.1085% | 6,538 |
| Net interest margin | 2.3513% | 6,450 |
| Noninterest income to average assets | 0.0000% | 6,595 |
| Noninterest expense to average assets | 1.6532% | 6,387 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0497% | 6,129 |
| Return on assets (ROA) | -1.9497% | 6,656 |
| Pretax return on assets | -3.2950% | 6,694 |
| Return on Equity (ROE) | -4.8836% | 6,463 |
| Retained earnings to average equity (ytd only) | -4.8836% | 6,116 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.5385% | 248 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,692 |
| Net loans and leases to deposits | 0.0000% | 6,692 |
| Net loans and leases to core deposits | 0.0000% | 6,679 |
| Total domestic deposits to total assets | 0.3219% | 6,733 |
| Equity capital to assets | 99.6781% | 1 |
| Core capital (leverage) ratio | 28.6805% | 71 |
| Tier 1 risk-based capital ratio | 498.3906% | 4 |
| Total risk-based capital ratio | 498.3906% | 4 |
| Memoranda: | ||
| Average total assets | $35,083,000 | 6,352 |
| Average earning assets | $22,115,000 | 6,542 |
| Average equity | $14,006,000 | 4,045 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0391% | 6,773 |
| Cost of funding earning assets | 0.1657% | 6,466 |
| Net interest margin | 0.8734% | 6,771 |
| Noninterest income to average assets | 0.0016% | 6,644 |
| Noninterest expense to average assets | 0.8982% | 6,762 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.0900% | 6,292 |
| Return on assets (ROA) | -0.0900% | 6,311 |
| Pretax return on assets | -0.1443% | 6,324 |
| Return on Equity (ROE) | -0.4074% | 6,289 |
| Retained earnings to average equity (ytd only) | -0.4074% | 5,953 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.1358% | 185 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | 0.0000% | 6,760 |
| Total domestic deposits to total assets | 74.9457% | 6,203 |
| Equity capital to assets | 25.0543% | 94 |
| Core capital (leverage) ratio | 23.4994% | 107 |
| Tier 1 risk-based capital ratio | 125.4201% | 40 |
| Total risk-based capital ratio | 125.4201% | 40 |
| Memoranda: | ||
| Average total assets | $64,460,400 | 5,637 |
| Average earning assets | $55,529,400 | 5,714 |
| Average equity | $14,235,200 | 4,019 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9802% | 6,858 |
| Cost of funding earning assets | 0.1805% | 6,500 |
| Net interest margin | 0.7997% | 6,855 |
| Noninterest income to average assets | 0.0020% | 6,736 |
| Noninterest expense to average assets | 0.8577% | 6,841 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.1784% | 6,453 |
| Return on assets (ROA) | -0.1784% | 6,473 |
| Pretax return on assets | -0.1543% | 6,442 |
| Return on Equity (ROE) | -0.8313% | 6,413 |
| Retained earnings to average equity (ytd only) | -0.8313% | 6,107 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.9373% | 161 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,855 |
| Net loans and leases to deposits | 0.0000% | 6,854 |
| Net loans and leases to core deposits | 0.0000% | 6,842 |
| Total domestic deposits to total assets | 74.6863% | 6,310 |
| Equity capital to assets | 25.2243% | 88 |
| Core capital (leverage) ratio | 20.0991% | 198 |
| Tier 1 risk-based capital ratio | 125.9372% | 41 |
| Total risk-based capital ratio | 125.9372% | 41 |
| Memoranda: | ||
| Average total assets | $66,529,000 | 5,635 |
| Average earning assets | $58,355,500 | 5,703 |
| Average equity | $14,274,750 | 4,063 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9335% | 6,909 |
| Cost of funding earning assets | 0.1790% | 6,575 |
| Net interest margin | 0.7544% | 6,907 |
| Noninterest income to average assets | 0.0000% | 6,784 |
| Noninterest expense to average assets | 0.7736% | 6,905 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0600% | 6,365 |
| Return on assets (ROA) | -0.0600% | 6,414 |
| Pretax return on assets | -0.0999% | 6,433 |
| Return on Equity (ROE) | -0.2931% | 6,394 |
| Retained earnings to average equity (ytd only) | -0.2931% | 5,914 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.8305% | 226 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,904 |
| Net loans and leases to deposits | 0.0000% | 6,904 |
| Net loans and leases to core deposits | 0.0000% | 6,892 |
| Total domestic deposits to total assets | 78.3453% | 5,911 |
| Equity capital to assets | 21.6166% | 150 |
| Core capital (leverage) ratio | 18.4354% | 256 |
| Tier 1 risk-based capital ratio | 107.9200% | 44 |
| Total risk-based capital ratio | 107.9200% | 45 |
| Memoranda: | ||
| Average total assets | $70,058,000 | 5,568 |
| Average earning assets | $62,563,330 | 5,606 |
| Average equity | $14,329,330 | 4,086 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9350% | 6,988 |
| Cost of funding earning assets | 0.1784% | 6,683 |
| Net interest margin | 0.7566% | 6,987 |
| Noninterest income to average assets | 0.0000% | 6,849 |
| Noninterest expense to average assets | 0.1992% | 7,012 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4814% | 4,771 |
| Return on assets (ROA) | 0.4814% | 4,931 |
| Pretax return on assets | 0.4814% | 5,312 |
| Return on Equity (ROE) | 2.4157% | 5,809 |
| Retained earnings to average equity (ytd only) | 2.4157% | 4,821 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.2683% | 6,965 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | 0.0000% | 6,982 |
| Net loans and leases to core deposits | 0.0000% | 6,969 |
| Total domestic deposits to total assets | 73.7299% | 6,549 |
| Equity capital to assets | 18.9256% | 278 |
| Core capital (leverage) ratio | 19.2501% | 226 |
| Tier 1 risk-based capital ratio | 93.8743% | 50 |
| Total risk-based capital ratio | 93.8743% | 50 |
| Memoranda: | ||
| Average total assets | $72,295,000 | 5,556 |
| Average earning assets | $65,028,500 | 5,577 |
| Average equity | $14,405,500 | 4,113 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5545% | 7,021 |
| Cost of funding earning assets | 0.3408% | 6,270 |
| Net interest margin | 1.2137% | 7,019 |
| Noninterest income to average assets | 0.0035% | 6,811 |
| Noninterest expense to average assets | 0.2524% | 7,066 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9105% | 2,765 |
| Return on assets (ROA) | 0.9105% | 3,006 |
| Pretax return on assets | 0.9105% | 3,887 |
| Return on Equity (ROE) | 3.6931% | 5,276 |
| Retained earnings to average equity (ytd only) | 3.6931% | 3,621 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.7066% | 7,048 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,047 |
| Net loans and leases to deposits | 0.0000% | 7,047 |
| Net loans and leases to core deposits | 0.0000% | 7,034 |
| Total domestic deposits to total assets | 78.7330% | 5,949 |
| Equity capital to assets | 21.0404% | 184 |
| Core capital (leverage) ratio | 20.6583% | 171 |
| Tier 1 risk-based capital ratio | 104.1238% | 50 |
| Total risk-based capital ratio | 104.1238% | 50 |
| Memoranda: | ||
| Average total assets | $57,444,000 | 5,987 |
| Average earning assets | $54,873,600 | 5,897 |
| Average equity | $14,161,400 | 4,123 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7372% | 7,122 |
| Cost of funding earning assets | 0.3587% | 6,340 |
| Net interest margin | 1.3785% | 7,120 |
| Noninterest income to average assets | 0.0000% | 6,935 |
| Noninterest expense to average assets | 0.2779% | 7,170 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0334% | 2,355 |
| Return on assets (ROA) | 1.0334% | 2,569 |
| Pretax return on assets | 1.0334% | 3,590 |
| Return on Equity (ROE) | 4.0082% | 5,292 |
| Retained earnings to average equity (ytd only) | 4.0082% | 4,068 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.1896% | 7,147 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,148 |
| Net loans and leases to deposits | 0.0000% | 7,147 |
| Net loans and leases to core deposits | 0.0000% | 7,135 |
| Total domestic deposits to total assets | 75.5512% | 6,448 |
| Equity capital to assets | 24.1874% | 117 |
| Core capital (leverage) ratio | 24.4019% | 102 |
| Tier 1 risk-based capital ratio | 119.2353% | 48 |
| Total risk-based capital ratio | 119.2353% | 48 |
| Memoranda: | ||
| Average total assets | $54,705,750 | 6,130 |
| Average earning assets | $52,037,000 | 6,053 |
| Average equity | $14,104,000 | 4,177 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8909% | 7,185 |
| Cost of funding earning assets | 0.3915% | 6,316 |
| Net interest margin | 1.4994% | 7,177 |
| Noninterest income to average assets | 0.0000% | 6,985 |
| Noninterest expense to average assets | 0.2814% | 7,233 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1557% | 1,862 |
| Return on assets (ROA) | 1.1557% | 2,069 |
| Pretax return on assets | 1.1557% | 3,093 |
| Return on Equity (ROE) | 4.3828% | 5,100 |
| Retained earnings to average equity (ytd only) | 4.3828% | 3,702 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.5822% | 7,217 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,209 |
| Net loans and leases to deposits | 0.0000% | 7,209 |
| Net loans and leases to core deposits | 0.0000% | 7,197 |
| Total domestic deposits to total assets | 75.6523% | 6,506 |
| Equity capital to assets | 24.1209% | 113 |
| Core capital (leverage) ratio | 23.5411% | 106 |
| Tier 1 risk-based capital ratio | 119.2919% | 45 |
| Total risk-based capital ratio | 119.2919% | 45 |
| Memoranda: | ||
| Average total assets | $53,301,330 | 6,218 |
| Average earning assets | $51,087,670 | 6,117 |
| Average equity | $14,055,000 | 4,185 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9168% | 7,241 |
| Cost of funding earning assets | 0.4214% | 6,307 |
| Net interest margin | 1.4954% | 7,238 |
| Noninterest income to average assets | 0.0000% | 7,087 |
| Noninterest expense to average assets | 0.2844% | 7,298 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1455% | 1,897 |
| Return on assets (ROA) | 1.1455% | 2,079 |
| Pretax return on assets | 1.1455% | 3,135 |
| Return on Equity (ROE) | 4.1398% | 5,231 |
| Retained earnings to average equity (ytd only) | 4.1398% | 4,109 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.8895% | 7,276 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,271 |
| Net loans and leases to deposits | 0.0000% | 7,271 |
| Net loans and leases to core deposits | 0.0000% | 7,258 |
| Total domestic deposits to total assets | 75.2539% | 6,616 |
| Equity capital to assets | 24.3878% | 105 |
| Core capital (leverage) ratio | 25.2320% | 94 |
| Tier 1 risk-based capital ratio | 121.0341% | 40 |
| Total risk-based capital ratio | 121.0341% | 40 |
| Memoranda: | ||
| Average total assets | $50,633,000 | 6,348 |
| Average earning assets | $48,414,500 | 6,264 |
| Average equity | $14,010,500 | 4,200 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9007% | 7,296 |
| Cost of funding earning assets | 0.4361% | 6,780 |
| Net interest margin | 1.4646% | 7,290 |
| Noninterest income to average assets | 0.0000% | 6,982 |
| Noninterest expense to average assets | 0.3901% | 7,333 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9850% | 2,259 |
| Return on assets (ROA) | 0.9850% | 2,401 |
| Pretax return on assets | 0.9850% | 3,292 |
| Return on Equity (ROE) | 2.5998% | 5,440 |
| Retained earnings to average equity (ytd only) | 2.5998% | 4,376 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.3702% | 7,303 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,320 |
| Net loans and leases to deposits | 0.0000% | 7,320 |
| Net loans and leases to core deposits | 0.0000% | 7,305 |
| Total domestic deposits to total assets | 67.5913% | 7,088 |
| Equity capital to assets | 32.0339% | 58 |
| Core capital (leverage) ratio | 31.5297% | 58 |
| Tier 1 risk-based capital ratio | 161.4320% | 34 |
| Total risk-based capital ratio | 161.4320% | 35 |
| Memoranda: | ||
| Average total assets | $36,141,200 | 6,792 |
| Average earning assets | $33,934,800 | 6,756 |
| Average equity | $13,693,600 | 4,191 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8731% | 7,375 |
| Cost of funding earning assets | 0.4402% | 6,910 |
| Net interest margin | 1.4329% | 7,370 |
| Noninterest income to average assets | 0.0000% | 7,100 |
| Noninterest expense to average assets | 0.4081% | 7,414 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9327% | 2,607 |
| Return on assets (ROA) | 0.9327% | 2,766 |
| Pretax return on assets | 0.9327% | 3,644 |
| Return on Equity (ROE) | 2.3468% | 5,663 |
| Retained earnings to average equity (ytd only) | 2.3468% | 4,941 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.4348% | 7,365 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,401 |
| Net loans and leases to deposits | 0.0000% | 7,400 |
| Net loans and leases to core deposits | 0.0000% | 7,385 |
| Total domestic deposits to total assets | 54.2807% | 7,343 |
| Equity capital to assets | 31.4187% | 70 |
| Core capital (leverage) ratio | 36.8609% | 55 |
| Tier 1 risk-based capital ratio | 159.8322% | 40 |
| Total risk-based capital ratio | 159.8322% | 40 |
| Memoranda: | ||
| Average total assets | $34,306,750 | 6,914 |
| Average earning assets | $32,102,250 | 6,865 |
| Average equity | $13,635,000 | 4,207 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9222% | 7,451 |
| Cost of funding earning assets | 0.4510% | 7,004 |
| Net interest margin | 1.4711% | 7,446 |
| Noninterest income to average assets | 0.0000% | 7,188 |
| Noninterest expense to average assets | 0.4577% | 7,490 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9089% | 2,603 |
| Return on assets (ROA) | 0.9089% | 2,704 |
| Pretax return on assets | 0.9089% | 3,581 |
| Return on Equity (ROE) | 2.0803% | 5,762 |
| Retained earnings to average equity (ytd only) | 2.0803% | 4,939 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.4906% | 7,414 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,475 |
| Net loans and leases to deposits | 0.0000% | 7,474 |
| Net loans and leases to core deposits | 0.0000% | 7,460 |
| Total domestic deposits to total assets | 61.3242% | 7,359 |
| Equity capital to assets | 38.3522% | 58 |
| Core capital (leverage) ratio | 39.9542% | 54 |
| Tier 1 risk-based capital ratio | 200.6725% | 30 |
| Total risk-based capital ratio | 200.6725% | 30 |
| Memoranda: | ||
| Average total assets | $31,025,000 | 7,072 |
| Average earning assets | $28,821,670 | 7,038 |
| Average equity | $13,556,000 | 4,211 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7767% | 7,518 |
| Cost of funding earning assets | 0.4668% | 7,071 |
| Net interest margin | 1.3099% | 7,519 |
| Noninterest income to average assets | 0.0000% | 7,288 |
| Noninterest expense to average assets | 0.5006% | 7,551 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7091% | 3,480 |
| Return on assets (ROA) | 0.7091% | 3,548 |
| Pretax return on assets | 0.7091% | 4,271 |
| Return on Equity (ROE) | 1.5090% | 5,982 |
| Retained earnings to average equity (ytd only) | 1.5090% | 5,209 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3793% | 7,363 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,537 |
| Net loans and leases to deposits | 0.0000% | 7,537 |
| Net loans and leases to core deposits | 0.0000% | 7,521 |
| Total domestic deposits to total assets | 53.3688% | 7,475 |
| Equity capital to assets | 46.3021% | 48 |
| Core capital (leverage) ratio | 46.0436% | 44 |
| Tier 1 risk-based capital ratio | 228.4515% | 26 |
| Total risk-based capital ratio | 228.4515% | 26 |
| Memoranda: | ||
| Average total assets | $28,768,000 | 7,190 |
| Average earning assets | $26,566,500 | 7,159 |
| Average equity | $13,519,000 | 4,213 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2266% | 7,553 |
| Cost of funding earning assets | 0.5512% | 7,229 |
| Net interest margin | 1.6754% | 7,526 |
| Noninterest income to average assets | 0.0000% | 7,282 |
| Noninterest expense to average assets | 0.4908% | 7,613 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.9895% | 2,072 |
| Return on assets (ROA) | 0.9895% | 2,181 |
| Pretax return on assets | 1.0370% | 2,824 |
| Return on Equity (ROE) | 1.9569% | 5,394 |
| Retained earnings to average equity (ytd only) | 1.9569% | 4,498 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.1244% | 7,573 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,616 |
| Net loans and leases to deposits | 0.0000% | 7,616 |
| Net loans and leases to core deposits | 0.0000% | 7,598 |
| Total domestic deposits to total assets | 51.7923% | 7,560 |
| Equity capital to assets | 47.7036% | 49 |
| Core capital (leverage) ratio | 48.0003% | 48 |
| Tier 1 risk-based capital ratio | 234.6106% | 32 |
| Total risk-based capital ratio | 234.6106% | 32 |
| Memoranda: | ||
| Average total assets | $25,266,400 | 7,337 |
| Average earning assets | $23,039,600 | 7,321 |
| Average equity | $12,775,200 | 4,401 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3000% | 7,677 |
| Cost of funding earning assets | 0.5510% | 7,379 |
| Net interest margin | 1.7489% | 7,633 |
| Noninterest income to average assets | 0.0000% | 7,437 |
| Noninterest expense to average assets | 0.5063% | 7,733 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0344% | 2,126 |
| Return on assets (ROA) | 1.0344% | 2,228 |
| Pretax return on assets | 1.0834% | 2,882 |
| Return on Equity (ROE) | 2.0129% | 5,601 |
| Retained earnings to average equity (ytd only) | 2.0129% | 4,950 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.8493% | 7,671 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,720 |
| Net loans and leases to deposits | 0.0000% | 7,720 |
| Net loans and leases to core deposits | 0.0000% | 7,701 |
| Total domestic deposits to total assets | 44.6951% | 7,672 |
| Equity capital to assets | 54.7754% | 49 |
| Core capital (leverage) ratio | 52.6182% | 46 |
| Tier 1 risk-based capital ratio | 269.7124% | 26 |
| Total risk-based capital ratio | 269.7124% | 27 |
| Memoranda: | ||
| Average total assets | $24,490,250 | 7,455 |
| Average earning assets | $22,260,250 | 7,439 |
| Average equity | $12,585,500 | 4,532 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2487% | 7,760 |
| Cost of funding earning assets | 0.5667% | 7,454 |
| Net interest margin | 1.6821% | 7,716 |
| Noninterest income to average assets | 0.0000% | 7,524 |
| Noninterest expense to average assets | 0.5068% | 7,803 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9726% | 2,291 |
| Return on assets (ROA) | 0.9726% | 2,369 |
| Pretax return on assets | 1.0217% | 3,038 |
| Return on Equity (ROE) | 1.9353% | 5,655 |
| Retained earnings to average equity (ytd only) | 1.9353% | 4,903 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.1551% | 7,727 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,788 |
| Net loans and leases to deposits | 0.0000% | 7,788 |
| Net loans and leases to core deposits | 0.0000% | 7,770 |
| Total domestic deposits to total assets | 47.9043% | 7,739 |
| Equity capital to assets | 51.5718% | 50 |
| Core capital (leverage) ratio | 52.6055% | 45 |
| Tier 1 risk-based capital ratio | 253.4001% | 30 |
| Total risk-based capital ratio | 253.4001% | 30 |
| Memoranda: | ||
| Average total assets | $24,469,330 | 7,519 |
| Average earning assets | $22,234,670 | 7,498 |
| Average equity | $12,297,670 | 4,596 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3083% | 7,862 |
| Cost of funding earning assets | 0.6329% | 7,487 |
| Net interest margin | 1.6754% | 7,802 |
| Noninterest income to average assets | 0.0000% | 7,655 |
| Noninterest expense to average assets | 0.5227% | 7,908 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9442% | 2,380 |
| Return on assets (ROA) | 0.9442% | 2,446 |
| Pretax return on assets | 0.9947% | 3,114 |
| Return on Equity (ROE) | 1.9059% | 5,801 |
| Retained earnings to average equity (ytd only) | 1.9059% | 4,981 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.4444% | 7,809 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,889 |
| Net loans and leases to deposits | 0.0000% | 7,889 |
| Net loans and leases to core deposits | 0.0000% | 7,870 |
| Total domestic deposits to total assets | 46.8463% | 7,847 |
| Equity capital to assets | 52.5175% | 45 |
| Core capital (leverage) ratio | 56.5456% | 39 |
| Tier 1 risk-based capital ratio | 257.5644% | 25 |
| Total risk-based capital ratio | 257.5644% | 25 |
| Memoranda: | ||
| Average total assets | $23,725,000 | 7,631 |
| Average earning assets | $21,487,500 | 7,614 |
| Average equity | $11,753,000 | 4,778 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1637% | 7,864 |
| Cost of funding earning assets | 0.8562% | 7,475 |
| Net interest margin | 2.3075% | 7,588 |
| Noninterest income to average assets | 0.0107% | 7,656 |
| Noninterest expense to average assets | 0.6784% | 7,974 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.1645% | 1,348 |
| Return on assets (ROA) | 1.1645% | 1,379 |
| Pretax return on assets | 1.3622% | 1,526 |
| Return on Equity (ROE) | 2.4349% | 4,738 |
| Retained earnings to average equity (ytd only) | 2.4349% | 3,430 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.2461% | 7,919 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | 0.0000% | 7,957 |
| Total domestic deposits to total assets | 53.1972% | 7,888 |
| Equity capital to assets | 46.0888% | 56 |
| Core capital (leverage) ratio | 43.7159% | 57 |
| Tier 1 risk-based capital ratio | 225.0912% | 30 |
| Total risk-based capital ratio | 225.0912% | 30 |
| Memoranda: | ||
| Average total assets | $18,719,800 | 7,815 |
| Average earning assets | $16,468,200 | 7,807 |
| Average equity | $8,953,200 | 5,623 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3487% | 7,954 |
| Cost of funding earning assets | 0.8776% | 7,596 |
| Net interest margin | 2.4711% | 7,490 |
| Noninterest income to average assets | 0.0149% | 7,787 |
| Noninterest expense to average assets | 0.5139% | 8,071 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4075% | 1,006 |
| Return on assets (ROA) | 1.4075% | 1,074 |
| Pretax return on assets | 1.6608% | 1,042 |
| Return on Equity (ROE) | 2.9105% | 4,830 |
| Retained earnings to average equity (ytd only) | 2.9105% | 3,693 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.6301% | 8,042 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | 0.0000% | 8,041 |
| Total domestic deposits to total assets | 51.6187% | 7,965 |
| Equity capital to assets | 47.6143% | 59 |
| Core capital (leverage) ratio | 49.1753% | 57 |
| Tier 1 risk-based capital ratio | 233.8165% | 30 |
| Total risk-based capital ratio | 233.8165% | 31 |
| Memoranda: | ||
| Average total assets | $17,902,750 | 7,909 |
| Average earning assets | $15,647,500 | 7,908 |
| Average equity | $8,658,000 | 5,767 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5931% | 8,014 |
| Cost of funding earning assets | 0.9499% | 7,620 |
| Net interest margin | 2.6432% | 7,304 |
| Noninterest income to average assets | 0.0119% | 7,905 |
| Noninterest expense to average assets | 0.4051% | 8,177 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5251% | 795 |
| Return on assets (ROA) | 1.5251% | 851 |
| Pretax return on assets | 1.8944% | 703 |
| Return on Equity (ROE) | 3.1330% | 4,849 |
| Retained earnings to average equity (ytd only) | 3.1330% | 3,572 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.6166% | 8,151 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | 0.0000% | 8,133 |
| Total domestic deposits to total assets | 49.0456% | 8,066 |
| Equity capital to assets | 50.2946% | 62 |
| Core capital (leverage) ratio | 48.9759% | 63 |
| Tier 1 risk-based capital ratio | 247.2819% | 26 |
| Total risk-based capital ratio | 247.2819% | 26 |
| Memoranda: | ||
| Average total assets | $16,786,330 | 8,019 |
| Average earning assets | $14,528,000 | 8,025 |
| Average equity | $8,171,000 | 5,963 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5096% | 8,091 |
| Cost of funding earning assets | 0.9851% | 7,692 |
| Net interest margin | 2.5244% | 7,473 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 0.0787% | 8,242 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3375% | 1,298 |
| Return on assets (ROA) | 1.3375% | 1,394 |
| Pretax return on assets | 2.0719% | 568 |
| Return on Equity (ROE) | 2.8086% | 5,445 |
| Retained earnings to average equity (ytd only) | 2.8086% | 4,313 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 3.6585% | 8,219 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 49.1833% | 8,104 |
| Equity capital to assets | 50.1643% | 67 |
| Core capital (leverage) ratio | 70.4217% | 41 |
| Tier 1 risk-based capital ratio | 246.3687% | 27 |
| Total risk-based capital ratio | 246.3687% | 27 |
| Memoranda: | ||
| Average total assets | $15,252,000 | 8,111 |
| Average earning assets | $12,993,000 | 8,116 |
| Average equity | $7,263,500 | 6,312 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0900% | 7,780 |
| Cost of funding earning assets | 2.2071% | 5,567 |
| Net interest margin | 2.8829% | 7,187 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 0.9890% | 8,206 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1850% | 1,826 |
| Return on assets (ROA) | 1.1850% | 1,754 |
| Pretax return on assets | 1.3385% | 2,173 |
| Return on Equity (ROE) | 3.4888% | 5,043 |
| Retained earnings to average equity (ytd only) | 3.4888% | 2,966 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4908% | 8,060 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | 0.0000% | 8,238 |
| Total domestic deposits to total assets | 51.1324% | 8,116 |
| Equity capital to assets | 42.9397% | 92 |
| Core capital (leverage) ratio | 40.7225% | 107 |
| Tier 1 risk-based capital ratio | 208.9888% | 38 |
| Total risk-based capital ratio | 208.9888% | 38 |
| Memoranda: | ||
| Average total assets | $11,729,600 | 8,220 |
| Average earning assets | $9,469,600 | 8,227 |
| Average equity | $3,984,200 | 7,516 |
| Average total loans | NA | NA |