Home > Merrimac Savings Bank > Performance and Condition Ratios
Merrimac Savings Bank, Performance and Condition Ratios
| 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 | 3.1740% | 5,622 |
| Cost of funding earning assets | 0.4173% | 3,037 |
| Net interest margin | 2.7568% | 5,651 |
| Noninterest income to average assets | 0.7364% | 2,082 |
| Noninterest expense to average assets | 3.4051% | 1,473 |
| Loan and lease loss provision to assets | -0.1394% | 6,049 |
| Net operating income to assets | 0.0185% | 5,923 |
| Return on assets (ROA) | 0.3629% | 5,369 |
| Pretax return on assets | 0.4218% | 5,419 |
| Return on Equity (ROE) | 5.3570% | 4,463 |
| Retained earnings to average equity (ytd only) | 5.3570% | 2,674 |
| Net charge-offs to loans | 0.0508% | 2,888 |
| Credit loss provision to net charge-offs | -520.0000% | 5,370 |
| Earnings coverage of net charge-offs (x) | -4.4000% | 4,121 |
| Efficiency ratio | 103.5889% | 221 |
| Assets per employee ($millions) | 3.5805% | 4,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8346% | 5,428 |
| Loan loss allowance to noncurrent loans | 54.7332% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 0.7727% | 2,962 |
| Noncurrent loans to loans | 1.5248% | 1,646 |
| Net loans and leases to total assets | 50.2540% | 4,910 |
| Net loans and leases to deposits | 53.9584% | 5,255 |
| Net loans and leases to core deposits | 60.6147% | 5,021 |
| Total domestic deposits to total assets | 93.1347% | 44 |
| Equity capital to assets | 6.7708% | 6,166 |
| Core capital (leverage) ratio | 6.5889% | 6,165 |
| Tier 1 risk-based capital ratio | 17.1045% | 2,334 |
| Total risk-based capital ratio | 18.2038% | 2,341 |
| Memoranda: | ||
| Average total assets | $74,592,500 | 5,035 |
| Average earning assets | $69,016,750 | 5,016 |
| Average equity | $5,052,500 | 5,712 |
| Average total loans | $39,336,000 | 5,094 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3070% | 5,424 |
| Cost of funding earning assets | 0.4130% | 3,125 |
| Net interest margin | 2.8940% | 5,455 |
| Noninterest income to average assets | 0.7770% | 1,887 |
| Noninterest expense to average assets | 3.4412% | 1,391 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0075% | 5,982 |
| Return on assets (ROA) | 0.5108% | 4,835 |
| Pretax return on assets | 0.6398% | 4,863 |
| Return on Equity (ROE) | 7.5402% | 3,301 |
| Retained earnings to average equity (ytd only) | 7.5402% | 1,455 |
| Net charge-offs to loans | 0.0704% | 2,383 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.2857% | 3,679 |
| Efficiency ratio | 99.6885% | 329 |
| Assets per employee ($millions) | 3.5693% | 4,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0239% | 4,742 |
| Loan loss allowance to noncurrent loans | 67.6923% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 0.7805% | 3,046 |
| Noncurrent loans to loans | 1.5126% | 1,758 |
| Net loans and leases to total assets | 51.0680% | 4,842 |
| Net loans and leases to deposits | 54.7877% | 5,204 |
| Net loans and leases to core deposits | 60.3003% | 5,052 |
| Total domestic deposits to total assets | 93.2106% | 49 |
| Equity capital to assets | 6.6106% | 6,237 |
| Core capital (leverage) ratio | 6.8858% | 6,205 |
| Tier 1 risk-based capital ratio | 16.3476% | 2,688 |
| Total risk-based capital ratio | 17.6030% | 2,644 |
| Memoranda: | ||
| Average total assets | $74,393,330 | 5,092 |
| Average earning assets | $68,764,000 | 5,067 |
| Average equity | $5,039,670 | 5,770 |
| Average total loans | $39,746,670 | 5,122 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4175% | 5,166 |
| Cost of funding earning assets | 0.4178% | 3,106 |
| Net interest margin | 2.9997% | 5,216 |
| Noninterest income to average assets | 0.6747% | 2,280 |
| Noninterest expense to average assets | 3.5244% | 1,260 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0540% | 6,060 |
| Return on assets (ROA) | 0.3832% | 5,255 |
| Pretax return on assets | 0.3778% | 5,472 |
| Return on Equity (ROE) | 5.5884% | 4,239 |
| Retained earnings to average equity (ytd only) | 5.5884% | 2,729 |
| Net charge-offs to loans | 0.1092% | 1,651 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 3,170 |
| Efficiency ratio | 101.7134% | 324 |
| Assets per employee ($millions) | 3.5065% | 4,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9948% | 5,058 |
| Loan loss allowance to noncurrent loans | 67.6271% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 0.8012% | 3,106 |
| Noncurrent loans to loans | 1.4710% | 1,926 |
| Net loans and leases to total assets | 53.9253% | 4,451 |
| Net loans and leases to deposits | 58.0889% | 4,908 |
| Net loans and leases to core deposits | 64.0540% | 4,692 |
| Total domestic deposits to total assets | 92.8324% | 71 |
| Equity capital to assets | 6.9720% | 6,264 |
| Core capital (leverage) ratio | 6.9376% | 6,241 |
| Tier 1 risk-based capital ratio | 14.9289% | 3,466 |
| Total risk-based capital ratio | 16.1114% | 3,444 |
| Memoranda: | ||
| Average total assets | $74,112,500 | 5,149 |
| Average earning assets | $68,940,000 | 5,114 |
| Average equity | $5,082,000 | 5,817 |
| Average total loans | $40,283,000 | 5,129 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5450% | 5,216 |
| Cost of funding earning assets | 0.4146% | 3,548 |
| Net interest margin | 3.1304% | 5,129 |
| Noninterest income to average assets | 0.7457% | 2,094 |
| Noninterest expense to average assets | 3.5703% | 1,356 |
| Loan and lease loss provision to assets | -0.0504% | 6,039 |
| Net operating income to assets | 0.2563% | 5,642 |
| Return on assets (ROA) | 0.3231% | 5,527 |
| Pretax return on assets | 0.1949% | 5,879 |
| Return on Equity (ROE) | 5.3364% | 4,497 |
| Retained earnings to average equity (ytd only) | 5.3364% | 2,381 |
| Net charge-offs to loans | 0.0097% | 4,711 |
| Credit loss provision to net charge-offs | -925.0000% | 5,889 |
| Earnings coverage of net charge-offs (x) | 14.2500% | 2,182 |
| Efficiency ratio | 97.8700% | 429 |
| Assets per employee ($millions) | 3.5518% | 4,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 4,964 |
| Loan loss allowance to noncurrent loans | 55.9184% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 0.9854% | 2,785 |
| Noncurrent loans to loans | 1.8167% | 1,580 |
| Net loans and leases to total assets | 53.6909% | 4,613 |
| Net loans and leases to deposits | 57.6150% | 5,091 |
| Net loans and leases to core deposits | 63.8148% | 4,840 |
| Total domestic deposits to total assets | 93.1893% | 58 |
| Equity capital to assets | 6.7437% | 6,356 |
| Core capital (leverage) ratio | 6.2872% | 6,388 |
| Tier 1 risk-based capital ratio | 13.1617% | 4,615 |
| Total risk-based capital ratio | 14.3519% | 4,581 |
| Memoranda: | ||
| Average total assets | $73,355,800 | 5,201 |
| Average earning assets | $68,010,800 | 5,173 |
| Average equity | $4,441,200 | 5,999 |
| Average total loans | $41,160,400 | 5,140 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5799% | 5,194 |
| Cost of funding earning assets | 0.4103% | 3,680 |
| Net interest margin | 3.1696% | 5,058 |
| Noninterest income to average assets | 0.7502% | 2,099 |
| Noninterest expense to average assets | 3.5775% | 1,331 |
| Loan and lease loss provision to assets | -0.0402% | 6,154 |
| Net operating income to assets | 0.2409% | 5,749 |
| Return on assets (ROA) | 0.3431% | 5,521 |
| Pretax return on assets | 0.2482% | 5,870 |
| Return on Equity (ROE) | 5.8374% | 4,319 |
| Retained earnings to average equity (ytd only) | 5.8374% | 2,511 |
| Net charge-offs to loans | -0.0387% | 5,824 |
| Credit loss provision to net charge-offs | 183.3333% | 1,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1259% | 463 |
| Assets per employee ($millions) | 3.5659% | 4,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 4,808 |
| Loan loss allowance to noncurrent loans | 70.4944% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 0.8373% | 3,326 |
| Noncurrent loans to loans | 1.5434% | 2,100 |
| Net loans and leases to total assets | 53.6597% | 4,616 |
| Net loans and leases to deposits | 59.8258% | 4,959 |
| Net loans and leases to core deposits | 66.6015% | 4,653 |
| Total domestic deposits to total assets | 89.6933% | 879 |
| Equity capital to assets | 6.3953% | 6,455 |
| Core capital (leverage) ratio | 6.2855% | 6,457 |
| Tier 1 risk-based capital ratio | 13.2609% | 4,688 |
| Total risk-based capital ratio | 14.5114% | 4,628 |
| Memoranda: | ||
| Average total assets | $73,047,750 | 5,267 |
| Average earning assets | $67,598,000 | 5,239 |
| Average equity | $4,294,000 | 6,098 |
| Average total loans | $41,336,000 | 5,178 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5940% | 5,173 |
| Cost of funding earning assets | 0.4153% | 3,704 |
| Net interest margin | 3.1787% | 5,015 |
| Noninterest income to average assets | 0.7869% | 1,891 |
| Noninterest expense to average assets | 3.6639% | 1,195 |
| Loan and lease loss provision to assets | 0.1077% | 2,215 |
| Net operating income to assets | 0.0884% | 6,068 |
| Return on assets (ROA) | 0.2651% | 5,751 |
| Pretax return on assets | 0.1298% | 6,056 |
| Return on Equity (ROE) | 4.6500% | 4,839 |
| Retained earnings to average equity (ytd only) | 4.6500% | 3,187 |
| Net charge-offs to loans | 0.0337% | 3,535 |
| Credit loss provision to net charge-offs | 557.1429% | 540 |
| Earnings coverage of net charge-offs (x) | 3.1429% | 3,383 |
| Efficiency ratio | 98.3692% | 450 |
| Assets per employee ($millions) | 3.4748% | 4,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 4,625 |
| Loan loss allowance to noncurrent loans | 67.7871% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 1.0813% | 2,898 |
| Noncurrent loans to loans | 1.7101% | 2,021 |
| Net loans and leases to total assets | 56.5540% | 4,190 |
| Net loans and leases to deposits | 61.8229% | 4,712 |
| Net loans and leases to core deposits | 68.3924% | 4,425 |
| Total domestic deposits to total assets | 91.4774% | 271 |
| Equity capital to assets | 6.1600% | 6,521 |
| Core capital (leverage) ratio | 6.2285% | 6,512 |
| Tier 1 risk-based capital ratio | 12.6462% | 5,128 |
| Total risk-based capital ratio | 13.8970% | 5,066 |
| Memoranda: | ||
| Average total assets | $72,436,000 | 5,324 |
| Average earning assets | $66,945,000 | 5,302 |
| Average equity | $4,129,000 | 6,172 |
| Average total loans | $41,573,330 | 5,213 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5292% | 5,352 |
| Cost of funding earning assets | 0.4088% | 3,865 |
| Net interest margin | 3.1204% | 5,174 |
| Noninterest income to average assets | 0.7482% | 1,960 |
| Noninterest expense to average assets | 3.6304% | 1,250 |
| Loan and lease loss provision to assets | 0.1663% | 1,455 |
| Net operating income to assets | -0.0166% | 6,225 |
| Return on assets (ROA) | 0.2272% | 5,774 |
| Pretax return on assets | 0.0721% | 6,121 |
| Return on Equity (ROE) | 4.1561% | 4,960 |
| Retained earnings to average equity (ytd only) | 4.1561% | 3,638 |
| Net charge-offs to loans | 0.0289% | 3,004 |
| Credit loss provision to net charge-offs | 1,000.0000% | 304 |
| Earnings coverage of net charge-offs (x) | -0.3333% | 3,462 |
| Efficiency ratio | 100.1529% | 463 |
| Assets per employee ($millions) | 3.5130% | 4,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1542% | 4,847 |
| Loan loss allowance to noncurrent loans | 66.8061% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 1.0871% | 3,080 |
| Noncurrent loans to loans | 1.7277% | 2,241 |
| Net loans and leases to total assets | 55.6057% | 4,194 |
| Net loans and leases to deposits | 60.8319% | 4,677 |
| Net loans and leases to core deposits | 66.8263% | 4,414 |
| Total domestic deposits to total assets | 91.4088% | 411 |
| Equity capital to assets | 5.6443% | 6,596 |
| Core capital (leverage) ratio | 6.2269% | 6,558 |
| Tier 1 risk-based capital ratio | 12.3975% | 5,370 |
| Total risk-based capital ratio | 13.6498% | 5,306 |
| Memoranda: | ||
| Average total assets | $72,168,500 | 5,383 |
| Average earning assets | $66,530,000 | 5,359 |
| Average equity | $3,946,000 | 6,259 |
| Average total loans | $41,484,000 | 5,259 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6728% | 5,212 |
| Cost of funding earning assets | 0.4503% | 4,109 |
| Net interest margin | 3.2226% | 4,921 |
| Noninterest income to average assets | 0.7542% | 2,271 |
| Noninterest expense to average assets | 3.5694% | 1,505 |
| Loan and lease loss provision to assets | 0.3111% | 1,071 |
| Net operating income to assets | 0.1106% | 6,021 |
| Return on assets (ROA) | 0.1278% | 6,044 |
| Pretax return on assets | -0.1207% | 6,304 |
| Return on Equity (ROE) | 2.1553% | 5,782 |
| Retained earnings to average equity (ytd only) | 2.1553% | 4,712 |
| Net charge-offs to loans | 0.4655% | 1,429 |
| Credit loss provision to net charge-offs | 113.4715% | 2,127 |
| Earnings coverage of net charge-offs (x) | 0.5959% | 4,884 |
| Efficiency ratio | 95.6240% | 660 |
| Assets per employee ($millions) | 3.5282% | 4,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0900% | 5,202 |
| Loan loss allowance to noncurrent loans | 51.1312% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 1.3860% | 2,671 |
| Noncurrent loans to loans | 2.1318% | 1,846 |
| Net loans and leases to total assets | 58.1245% | 4,019 |
| Net loans and leases to deposits | 63.4338% | 4,570 |
| Net loans and leases to core deposits | 69.6669% | 4,318 |
| Total domestic deposits to total assets | 91.6303% | 369 |
| Equity capital to assets | 5.2831% | 6,671 |
| Core capital (leverage) ratio | 6.1666% | 6,635 |
| Tier 1 risk-based capital ratio | 12.1500% | 5,527 |
| Total risk-based capital ratio | 13.3970% | 5,465 |
| Memoranda: | ||
| Average total assets | $70,403,400 | 5,462 |
| Average earning assets | $65,072,400 | 5,433 |
| Average equity | $4,175,800 | 6,289 |
| Average total loans | $41,460,400 | 5,287 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6790% | 5,223 |
| Cost of funding earning assets | 0.4542% | 4,231 |
| Net interest margin | 3.2248% | 4,913 |
| Noninterest income to average assets | 0.7428% | 2,397 |
| Noninterest expense to average assets | 3.5093% | 1,594 |
| Loan and lease loss provision to assets | 0.3866% | 800 |
| Net operating income to assets | 0.1001% | 6,140 |
| Return on assets (ROA) | 0.1232% | 6,160 |
| Pretax return on assets | -0.1308% | 6,422 |
| Return on Equity (ROE) | 2.0211% | 5,929 |
| Retained earnings to average equity (ytd only) | 2.0211% | 5,118 |
| Net charge-offs to loans | 0.5757% | 1,095 |
| Credit loss provision to net charge-offs | 113.9665% | 2,065 |
| Earnings coverage of net charge-offs (x) | 0.6480% | 4,636 |
| Efficiency ratio | 94.1057% | 731 |
| Assets per employee ($millions) | 3.4738% | 4,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 5,401 |
| Loan loss allowance to noncurrent loans | 48.4425% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 1.3400% | 2,961 |
| Noncurrent loans to loans | 2.2305% | 1,978 |
| Net loans and leases to total assets | 59.4277% | 3,792 |
| Net loans and leases to deposits | 64.4098% | 4,473 |
| Net loans and leases to core deposits | 72.3792% | 4,048 |
| Total domestic deposits to total assets | 92.2650% | 211 |
| Equity capital to assets | 5.4450% | 6,742 |
| Core capital (leverage) ratio | 6.7146% | 6,638 |
| Tier 1 risk-based capital ratio | 13.0965% | 5,059 |
| Total risk-based capital ratio | 14.3462% | 5,008 |
| Memoranda: | ||
| Average total assets | $70,363,250 | 5,516 |
| Average earning assets | $65,161,000 | 5,481 |
| Average equity | $4,287,750 | 6,339 |
| Average total loans | $41,458,750 | 5,337 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6996% | 5,143 |
| Cost of funding earning assets | 0.4583% | 4,336 |
| Net interest margin | 3.2414% | 4,800 |
| Noninterest income to average assets | 0.7784% | 2,285 |
| Noninterest expense to average assets | 3.5353% | 1,530 |
| Loan and lease loss provision to assets | 0.1189% | 2,837 |
| Net operating income to assets | 0.2547% | 5,764 |
| Return on assets (ROA) | 0.2887% | 5,777 |
| Pretax return on assets | 0.1613% | 6,143 |
| Return on Equity (ROE) | 4.5781% | 4,963 |
| Retained earnings to average equity (ytd only) | 4.5781% | 3,358 |
| Net charge-offs to loans | -0.0822% | 6,443 |
| Credit loss provision to net charge-offs | -247.0588% | 5,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4880% | 785 |
| Assets per employee ($millions) | 3.5456% | 4,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 5,110 |
| Loan loss allowance to noncurrent loans | 37.9796% | 5,715 |
| Noncurrent assets plus other real estate owned to assets | 1.8008% | 2,412 |
| Noncurrent loans to loans | 3.1024% | 1,426 |
| Net loans and leases to total assets | 57.3635% | 4,082 |
| Net loans and leases to deposits | 62.4407% | 4,682 |
| Net loans and leases to core deposits | 70.2042% | 4,249 |
| Total domestic deposits to total assets | 91.8687% | 271 |
| Equity capital to assets | 5.6409% | 6,775 |
| Core capital (leverage) ratio | 6.7044% | 6,670 |
| Tier 1 risk-based capital ratio | 13.0514% | 5,101 |
| Total risk-based capital ratio | 14.3038% | 5,046 |
| Memoranda: | ||
| Average total assets | $70,659,000 | 5,547 |
| Average earning assets | $65,466,330 | 5,512 |
| Average equity | $4,456,000 | 6,340 |
| Average total loans | $41,365,330 | 5,364 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7390% | 5,026 |
| Cost of funding earning assets | 0.4613% | 4,468 |
| Net interest margin | 3.2777% | 4,600 |
| Noninterest income to average assets | 0.7656% | 2,269 |
| Noninterest expense to average assets | 3.5331% | 1,554 |
| Loan and lease loss provision to assets | 0.1531% | 2,334 |
| Net operating income to assets | 0.2722% | 5,656 |
| Return on assets (ROA) | 0.2722% | 5,776 |
| Pretax return on assets | 0.1418% | 6,189 |
| Return on Equity (ROE) | 4.0991% | 5,042 |
| Retained earnings to average equity (ytd only) | 4.0991% | 3,760 |
| Net charge-offs to loans | -0.0579% | 6,197 |
| Credit loss provision to net charge-offs | -450.0000% | 5,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2963% | 956 |
| Assets per employee ($millions) | 3.6963% | 4,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 5,563 |
| Loan loss allowance to noncurrent loans | 44.0922% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 1.4823% | 3,038 |
| Noncurrent loans to loans | 2.5186% | 2,050 |
| Net loans and leases to total assets | 58.2002% | 3,760 |
| Net loans and leases to deposits | 64.8485% | 4,203 |
| Net loans and leases to core deposits | 73.4642% | 3,643 |
| Total domestic deposits to total assets | 89.7480% | 1,185 |
| Equity capital to assets | 6.5955% | 6,780 |
| Core capital (leverage) ratio | 6.5682% | 6,735 |
| Tier 1 risk-based capital ratio | 13.4668% | 4,896 |
| Total risk-based capital ratio | 14.7188% | 4,857 |
| Memoranda: | ||
| Average total assets | $70,533,000 | 5,609 |
| Average earning assets | $65,899,500 | 5,549 |
| Average equity | $4,684,000 | 6,344 |
| Average total loans | $41,467,000 | 5,398 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0626% | 5,094 |
| Cost of funding earning assets | 0.4974% | 5,237 |
| Net interest margin | 3.5652% | 4,245 |
| Noninterest income to average assets | 0.7825% | 2,339 |
| Noninterest expense to average assets | 3.8495% | 1,168 |
| Loan and lease loss provision to assets | 0.2378% | 2,756 |
| Net operating income to assets | -0.0142% | 6,190 |
| Return on assets (ROA) | 0.6214% | 4,398 |
| Pretax return on assets | 0.8086% | 4,261 |
| Return on Equity (ROE) | 8.7473% | 2,768 |
| Retained earnings to average equity (ytd only) | 8.7473% | 897 |
| Net charge-offs to loans | 0.2471% | 3,459 |
| Credit loss provision to net charge-offs | 150.4854% | 1,813 |
| Earnings coverage of net charge-offs (x) | 1.3981% | 4,755 |
| Efficiency ratio | 94.5722% | 774 |
| Assets per employee ($millions) | 3.7282% | 4,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 5,881 |
| Loan loss allowance to noncurrent loans | 42.0949% | 5,529 |
| Noncurrent assets plus other real estate owned to assets | 1.4287% | 3,254 |
| Noncurrent loans to loans | 2.4326% | 2,183 |
| Net loans and leases to total assets | 58.1272% | 3,958 |
| Net loans and leases to deposits | 65.5945% | 4,345 |
| Net loans and leases to core deposits | 74.2842% | 3,744 |
| Total domestic deposits to total assets | 88.6160% | 1,830 |
| Equity capital to assets | 6.6859% | 6,819 |
| Core capital (leverage) ratio | 6.7701% | 6,749 |
| Tier 1 risk-based capital ratio | 13.2728% | 4,920 |
| Total risk-based capital ratio | 14.5168% | 4,869 |
| Memoranda: | ||
| Average total assets | $65,177,200 | 5,779 |
| Average earning assets | $60,109,400 | 5,741 |
| Average equity | $4,630,000 | 6,404 |
| Average total loans | $41,687,600 | 5,436 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1775% | 4,896 |
| Cost of funding earning assets | 0.5046% | 5,407 |
| Net interest margin | 3.6729% | 3,909 |
| Noninterest income to average assets | 0.7904% | 2,276 |
| Noninterest expense to average assets | 3.9019% | 1,058 |
| Loan and lease loss provision to assets | 0.2342% | 2,703 |
| Net operating income to assets | 0.0279% | 6,243 |
| Return on assets (ROA) | 0.7465% | 3,957 |
| Pretax return on assets | 1.0455% | 3,550 |
| Return on Equity (ROE) | 10.3397% | 2,201 |
| Retained earnings to average equity (ytd only) | 10.3397% | 829 |
| Net charge-offs to loans | 0.3133% | 2,876 |
| Credit loss provision to net charge-offs | 114.2857% | 2,550 |
| Earnings coverage of net charge-offs (x) | 1.3061% | 4,642 |
| Efficiency ratio | 93.5807% | 804 |
| Assets per employee ($millions) | 3.3700% | 5,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9319% | 6,294 |
| Loan loss allowance to noncurrent loans | 47.2019% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 1.2196% | 3,856 |
| Noncurrent loans to loans | 1.9742% | 2,865 |
| Net loans and leases to total assets | 61.2012% | 3,532 |
| Net loans and leases to deposits | 67.0650% | 4,328 |
| Net loans and leases to core deposits | 75.9804% | 3,730 |
| Total domestic deposits to total assets | 91.2565% | 343 |
| Equity capital to assets | 7.0832% | 6,870 |
| Core capital (leverage) ratio | 6.7956% | 6,833 |
| Tier 1 risk-based capital ratio | 12.9240% | 5,317 |
| Total risk-based capital ratio | 14.0509% | 5,371 |
| Memoranda: | ||
| Average total assets | $63,762,500 | 5,887 |
| Average earning assets | $58,662,750 | 5,853 |
| Average equity | $4,603,500 | 6,487 |
| Average total loans | $41,709,250 | 5,494 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2002% | 4,955 |
| Cost of funding earning assets | 0.4899% | 5,684 |
| Net interest margin | 3.7104% | 3,766 |
| Noninterest income to average assets | 0.8026% | 2,164 |
| Noninterest expense to average assets | 4.0000% | 940 |
| Loan and lease loss provision to assets | 0.3197% | 2,068 |
| Net operating income to assets | -0.0729% | 6,405 |
| Return on assets (ROA) | 0.8537% | 3,392 |
| Pretax return on assets | 1.2406% | 2,762 |
| Return on Equity (ROE) | 11.7449% | 1,758 |
| Retained earnings to average equity (ytd only) | 11.7449% | 626 |
| Net charge-offs to loans | 0.4840% | 2,138 |
| Credit loss provision to net charge-offs | 99.0099% | 2,803 |
| Earnings coverage of net charge-offs (x) | 0.6733% | 4,722 |
| Efficiency ratio | 94.8446% | 763 |
| Assets per employee ($millions) | 3.1749% | 5,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8745% | 6,519 |
| Loan loss allowance to noncurrent loans | 33.0088% | 6,017 |
| Noncurrent assets plus other real estate owned to assets | 1.7796% | 3,066 |
| Noncurrent loans to loans | 2.6494% | 2,272 |
| Net loans and leases to total assets | 66.5827% | 2,552 |
| Net loans and leases to deposits | 75.5761% | 3,045 |
| Net loans and leases to core deposits | 81.0576% | 3,079 |
| Total domestic deposits to total assets | 88.1002% | 2,077 |
| Equity capital to assets | 7.2444% | 6,861 |
| Core capital (leverage) ratio | 7.0639% | 6,800 |
| Tier 1 risk-based capital ratio | 12.4468% | 5,605 |
| Total risk-based capital ratio | 13.5119% | 5,726 |
| Memoranda: | ||
| Average total assets | $62,550,330 | 5,961 |
| Average earning assets | $57,568,330 | 5,920 |
| Average equity | $4,546,670 | 6,533 |
| Average total loans | $41,733,330 | 5,524 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2477% | 4,936 |
| Cost of funding earning assets | 0.4952% | 5,849 |
| Net interest margin | 3.7525% | 3,588 |
| Noninterest income to average assets | 0.7861% | 2,230 |
| Noninterest expense to average assets | 4.0788% | 846 |
| Loan and lease loss provision to assets | 0.5670% | 1,022 |
| Net operating income to assets | -0.2574% | 6,683 |
| Return on assets (ROA) | 1.3467% | 1,487 |
| Pretax return on assets | 2.0748% | 659 |
| Return on Equity (ROE) | 18.4956% | 494 |
| Retained earnings to average equity (ytd only) | 18.4956% | 228 |
| Net charge-offs to loans | 1.0176% | 1,018 |
| Credit loss provision to net charge-offs | 83.8095% | 2,667 |
| Earnings coverage of net charge-offs (x) | 0.2571% | 4,234 |
| Efficiency ratio | 95.9091% | 725 |
| Assets per employee ($millions) | 3.2002% | 5,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8471% | 6,646 |
| Loan loss allowance to noncurrent loans | 43.2203% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 1.7301% | 3,266 |
| Noncurrent loans to loans | 1.9600% | 3,211 |
| Net loans and leases to total assets | 68.7208% | 1,988 |
| Net loans and leases to deposits | 75.7633% | 2,831 |
| Net loans and leases to core deposits | 80.9301% | 2,956 |
| Total domestic deposits to total assets | 90.7046% | 685 |
| Equity capital to assets | 7.4140% | 6,814 |
| Core capital (leverage) ratio | 6.9414% | 6,862 |
| Tier 1 risk-based capital ratio | 12.4213% | 5,669 |
| Total risk-based capital ratio | 13.4783% | 5,777 |
| Memoranda: | ||
| Average total assets | $62,077,000 | 6,007 |
| Average earning assets | $57,348,500 | 5,961 |
| Average equity | $4,520,000 | 6,576 |
| Average total loans | $41,274,500 | 5,581 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5336% | 4,939 |
| Cost of funding earning assets | 0.5883% | 6,146 |
| Net interest margin | 3.9453% | 3,134 |
| Noninterest income to average assets | 0.7836% | 2,147 |
| Noninterest expense to average assets | 3.8629% | 1,235 |
| Loan and lease loss provision to assets | 0.2533% | 3,671 |
| Net operating income to assets | 0.3042% | 5,232 |
| Return on assets (ROA) | 0.5822% | 4,268 |
| Pretax return on assets | 0.6278% | 4,602 |
| Return on Equity (ROE) | 9.3035% | 2,327 |
| Retained earnings to average equity (ytd only) | 9.3035% | 726 |
| Net charge-offs to loans | 0.2398% | 4,276 |
| Credit loss provision to net charge-offs | 165.9794% | 1,632 |
| Earnings coverage of net charge-offs (x) | 3.8144% | 3,377 |
| Efficiency ratio | 86.9027% | 1,454 |
| Assets per employee ($millions) | 3.0167% | 6,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9256% | 6,475 |
| Loan loss allowance to noncurrent loans | 44.4181% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 1.3291% | 4,006 |
| Noncurrent loans to loans | 2.0838% | 3,089 |
| Net loans and leases to total assets | 63.1934% | 3,353 |
| Net loans and leases to deposits | 71.2775% | 3,903 |
| Net loans and leases to core deposits | 76.0289% | 3,979 |
| Total domestic deposits to total assets | 88.6582% | 1,747 |
| Equity capital to assets | 7.1539% | 6,923 |
| Core capital (leverage) ratio | 6.6262% | 6,956 |
| Tier 1 risk-based capital ratio | 11.9269% | 5,876 |
| Total risk-based capital ratio | 13.0432% | 5,943 |
| Memoranda: | ||
| Average total assets | $63,553,400 | 5,937 |
| Average earning assets | $58,981,800 | 5,901 |
| Average equity | $3,977,000 | 6,752 |
| Average total loans | $40,443,000 | 5,669 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6131% | 4,817 |
| Cost of funding earning assets | 0.6164% | 6,205 |
| Net interest margin | 3.9967% | 2,924 |
| Noninterest income to average assets | 0.7840% | 2,124 |
| Noninterest expense to average assets | 3.8340% | 1,259 |
| Loan and lease loss provision to assets | 0.2201% | 3,813 |
| Net operating income to assets | 0.3627% | 5,150 |
| Return on assets (ROA) | 0.6394% | 4,108 |
| Pretax return on assets | 0.7735% | 4,223 |
| Return on Equity (ROE) | 10.5949% | 1,997 |
| Retained earnings to average equity (ytd only) | 10.5949% | 705 |
| Net charge-offs to loans | 0.3889% | 3,167 |
| Credit loss provision to net charge-offs | 88.9831% | 3,802 |
| Earnings coverage of net charge-offs (x) | 2.6695% | 3,784 |
| Efficiency ratio | 85.3078% | 1,599 |
| Assets per employee ($millions) | 3.5272% | 4,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7519% | 6,894 |
| Loan loss allowance to noncurrent loans | 35.5689% | 5,928 |
| Noncurrent assets plus other real estate owned to assets | 1.3152% | 4,175 |
| Noncurrent loans to loans | 2.1138% | 3,227 |
| Net loans and leases to total assets | 61.7499% | 3,790 |
| Net loans and leases to deposits | 69.4213% | 4,398 |
| Net loans and leases to core deposits | 75.1961% | 4,296 |
| Total domestic deposits to total assets | 88.9494% | 1,454 |
| Equity capital to assets | 6.8404% | 7,082 |
| Core capital (leverage) ratio | 6.2736% | 7,103 |
| Tier 1 risk-based capital ratio | 11.8290% | 6,019 |
| Total risk-based capital ratio | 12.7579% | 6,228 |
| Memoranda: | ||
| Average total assets | $63,604,250 | 5,975 |
| Average earning assets | $59,047,500 | 5,939 |
| Average equity | $3,838,250 | 6,848 |
| Average total loans | $40,452,000 | 5,723 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6558% | 4,729 |
| Cost of funding earning assets | 0.6564% | 6,198 |
| Net interest margin | 3.9994% | 2,840 |
| Noninterest income to average assets | 0.7636% | 2,187 |
| Noninterest expense to average assets | 3.7962% | 1,352 |
| Loan and lease loss provision to assets | 0.1163% | 4,824 |
| Net operating income to assets | 0.5091% | 4,459 |
| Return on assets (ROA) | 0.5091% | 4,601 |
| Pretax return on assets | 0.5657% | 4,856 |
| Return on Equity (ROE) | 8.8283% | 2,588 |
| Retained earnings to average equity (ytd only) | 8.8283% | 1,166 |
| Net charge-offs to loans | 0.1717% | 4,149 |
| Credit loss provision to net charge-offs | 105.7143% | 2,917 |
| Earnings coverage of net charge-offs (x) | 6.2000% | 2,443 |
| Efficiency ratio | 84.7719% | 1,729 |
| Assets per employee ($millions) | 3.6420% | 4,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7781% | 6,907 |
| Loan loss allowance to noncurrent loans | 44.3812% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 1.0724% | 4,735 |
| Noncurrent loans to loans | 1.7531% | 3,820 |
| Net loans and leases to total assets | 60.6931% | 4,148 |
| Net loans and leases to deposits | 66.9066% | 4,866 |
| Net loans and leases to core deposits | 73.3528% | 4,658 |
| Total domestic deposits to total assets | 90.7133% | 631 |
| Equity capital to assets | 6.1078% | 7,229 |
| Core capital (leverage) ratio | 6.1364% | 7,177 |
| Tier 1 risk-based capital ratio | 11.1354% | 6,422 |
| Total risk-based capital ratio | 12.1601% | 6,560 |
| Memoranda: | ||
| Average total assets | $63,642,330 | 6,024 |
| Average earning assets | $59,109,000 | 5,980 |
| Average equity | $3,670,000 | 6,938 |
| Average total loans | $40,768,670 | 5,767 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7785% | 4,157 |
| Cost of funding earning assets | 0.7023% | 6,120 |
| Net interest margin | 4.0762% | 2,360 |
| Noninterest income to average assets | 0.8040% | 2,021 |
| Noninterest expense to average assets | 3.8478% | 1,250 |
| Loan and lease loss provision to assets | 0.0766% | 5,039 |
| Net operating income to assets | 0.5743% | 4,157 |
| Return on assets (ROA) | 0.5743% | 4,234 |
| Pretax return on assets | 0.6572% | 4,466 |
| Return on Equity (ROE) | 10.2769% | 1,998 |
| Retained earnings to average equity (ytd only) | 10.2769% | 1,051 |
| Net charge-offs to loans | 0.3114% | 2,802 |
| Credit loss provision to net charge-offs | 37.5000% | 3,993 |
| Earnings coverage of net charge-offs (x) | 3.5938% | 2,698 |
| Efficiency ratio | 83.9833% | 1,957 |
| Assets per employee ($millions) | 3.4466% | 5,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7118% | 7,065 |
| Loan loss allowance to noncurrent loans | 39.4022% | 5,661 |
| Noncurrent assets plus other real estate owned to assets | 1.1864% | 4,577 |
| Noncurrent loans to loans | 1.8065% | 3,820 |
| Net loans and leases to total assets | 65.2041% | 3,199 |
| Net loans and leases to deposits | 72.3468% | 4,011 |
| Net loans and leases to core deposits | 79.6503% | 3,804 |
| Total domestic deposits to total assets | 90.1272% | 1,080 |
| Equity capital to assets | 5.8995% | 7,297 |
| Core capital (leverage) ratio | 6.0789% | 7,237 |
| Tier 1 risk-based capital ratio | 10.8334% | 6,620 |
| Total risk-based capital ratio | 11.7397% | 6,796 |
| Memoranda: | ||
| Average total assets | $62,685,500 | 6,104 |
| Average earning assets | $58,094,000 | 6,062 |
| Average equity | $3,503,000 | 7,013 |
| Average total loans | $41,103,000 | 5,805 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9606% | 4,742 |
| Cost of funding earning assets | 0.8476% | 6,376 |
| Net interest margin | 4.1129% | 2,508 |
| Noninterest income to average assets | 0.7990% | 2,293 |
| Noninterest expense to average assets | 3.8599% | 1,376 |
| Loan and lease loss provision to assets | 0.2717% | 4,634 |
| Net operating income to assets | 0.3873% | 4,602 |
| Return on assets (ROA) | 0.5241% | 4,141 |
| Pretax return on assets | 0.7057% | 3,958 |
| Return on Equity (ROE) | 9.1184% | 2,248 |
| Retained earnings to average equity (ytd only) | 9.1184% | 674 |
| Net charge-offs to loans | 0.6743% | 2,985 |
| Credit loss provision to net charge-offs | 58.2759% | 6,108 |
| Earnings coverage of net charge-offs (x) | 1.7000% | 4,448 |
| Efficiency ratio | 82.9648% | 2,055 |
| Assets per employee ($millions) | 3.5184% | 4,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7476% | 7,056 |
| Loan loss allowance to noncurrent loans | 125.5061% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.3900% | 6,297 |
| Noncurrent loans to loans | 0.5957% | 5,851 |
| Net loans and leases to total assets | 64.9814% | 3,671 |
| Net loans and leases to deposits | 71.5510% | 4,598 |
| Net loans and leases to core deposits | 78.0777% | 4,454 |
| Total domestic deposits to total assets | 90.8182% | 683 |
| Equity capital to assets | 5.2833% | 7,413 |
| Core capital (leverage) ratio | 6.0400% | 7,293 |
| Tier 1 risk-based capital ratio | 10.6609% | 6,598 |
| Total risk-based capital ratio | 11.5759% | 6,785 |
| Memoranda: | ||
| Average total assets | $62,203,800 | 6,120 |
| Average earning assets | $58,279,600 | 6,054 |
| Average equity | $3,575,200 | 7,117 |
| Average total loans | $43,009,400 | 5,788 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0145% | 4,742 |
| Cost of funding earning assets | 0.8827% | 6,461 |
| Net interest margin | 4.1317% | 2,480 |
| Noninterest income to average assets | 0.7967% | 2,247 |
| Noninterest expense to average assets | 3.8844% | 1,226 |
| Loan and lease loss provision to assets | 0.3510% | 3,803 |
| Net operating income to assets | 0.3145% | 5,111 |
| Return on assets (ROA) | 0.4888% | 4,567 |
| Pretax return on assets | 0.6869% | 4,274 |
| Return on Equity (ROE) | 8.3320% | 2,778 |
| Retained earnings to average equity (ytd only) | 8.3320% | 1,301 |
| Net charge-offs to loans | 0.8879% | 2,224 |
| Credit loss provision to net charge-offs | 56.4014% | 5,778 |
| Earnings coverage of net charge-offs (x) | 1.2734% | 4,803 |
| Efficiency ratio | 83.0571% | 1,944 |
| Assets per employee ($millions) | 3.3529% | 5,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7176% | 7,169 |
| Loan loss allowance to noncurrent loans | 120.4724% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.5866% | 5,974 |
| Noncurrent loans to loans | 0.5957% | 6,020 |
| Net loans and leases to total assets | 70.1485% | 2,701 |
| Net loans and leases to deposits | 78.8747% | 3,655 |
| Net loans and leases to core deposits | 86.4265% | 3,590 |
| Total domestic deposits to total assets | 88.9366% | 1,422 |
| Equity capital to assets | 6.3560% | 7,441 |
| Core capital (leverage) ratio | 5.8878% | 7,448 |
| Tier 1 risk-based capital ratio | 10.5301% | 6,754 |
| Total risk-based capital ratio | 11.4184% | 6,954 |
| Memoranda: | ||
| Average total assets | $61,921,750 | 6,195 |
| Average earning assets | $58,150,250 | 6,125 |
| Average equity | $3,632,500 | 7,191 |
| Average total loans | $43,395,750 | 5,853 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0325% | 4,787 |
| Cost of funding earning assets | 0.9063% | 6,554 |
| Net interest margin | 4.1262% | 2,446 |
| Noninterest income to average assets | 0.8167% | 2,032 |
| Noninterest expense to average assets | 3.9331% | 1,135 |
| Loan and lease loss provision to assets | 0.4804% | 2,904 |
| Net operating income to assets | 0.2225% | 5,487 |
| Return on assets (ROA) | 0.2883% | 5,378 |
| Pretax return on assets | 0.3651% | 5,324 |
| Return on Equity (ROE) | 5.0496% | 4,268 |
| Retained earnings to average equity (ytd only) | 5.0496% | 2,880 |
| Net charge-offs to loans | 1.0081% | 1,847 |
| Credit loss provision to net charge-offs | 68.1818% | 5,013 |
| Earnings coverage of net charge-offs (x) | 1.0818% | 4,712 |
| Efficiency ratio | 83.7653% | 1,946 |
| Assets per employee ($millions) | 3.3625% | 5,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8392% | 6,941 |
| Loan loss allowance to noncurrent loans | 117.2078% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.6386% | 5,890 |
| Noncurrent loans to loans | 0.7160% | 5,823 |
| Net loans and leases to total assets | 66.7653% | 3,674 |
| Net loans and leases to deposits | 73.8410% | 4,700 |
| Net loans and leases to core deposits | 80.7141% | 4,593 |
| Total domestic deposits to total assets | 90.4176% | 713 |
| Equity capital to assets | 5.7820% | 7,563 |
| Core capital (leverage) ratio | 5.6574% | 7,531 |
| Tier 1 risk-based capital ratio | 9.7520% | 7,159 |
| Total risk-based capital ratio | 10.7742% | 7,256 |
| Memoranda: | ||
| Average total assets | $62,445,000 | 6,216 |
| Average earning assets | $58,698,000 | 6,151 |
| Average equity | $3,564,670 | 7,245 |
| Average total loans | $43,647,000 | 5,882 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1827% | 4,120 |
| Cost of funding earning assets | 0.9799% | 6,465 |
| Net interest margin | 4.2027% | 2,027 |
| Noninterest income to average assets | 0.7323% | 2,397 |
| Noninterest expense to average assets | 3.8170% | 1,304 |
| Loan and lease loss provision to assets | 0.9202% | 1,381 |
| Net operating income to assets | 0.0389% | 6,191 |
| Return on assets (ROA) | 0.0389% | 6,307 |
| Pretax return on assets | -0.0583% | 6,419 |
| Return on Equity (ROE) | 0.6857% | 6,213 |
| Retained earnings to average equity (ytd only) | 0.6857% | 5,548 |
| Net charge-offs to loans | 0.2002% | 3,708 |
| Credit loss provision to net charge-offs | 645.4545% | 675 |
| Earnings coverage of net charge-offs (x) | 6.0455% | 2,291 |
| Efficiency ratio | 81.5789% | 2,339 |
| Assets per employee ($millions) | 3.4309% | 5,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 5,170 |
| Loan loss allowance to noncurrent loans | 102.9907% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.8663% | 5,428 |
| Noncurrent loans to loans | 1.2203% | 4,930 |
| Net loans and leases to total assets | 70.1001% | 2,910 |
| Net loans and leases to deposits | 78.2627% | 3,990 |
| Net loans and leases to core deposits | 84.9409% | 4,065 |
| Total domestic deposits to total assets | 89.5702% | 1,193 |
| Equity capital to assets | 5.7339% | 7,655 |
| Core capital (leverage) ratio | 5.5417% | 7,646 |
| Tier 1 risk-based capital ratio | 9.2628% | 7,404 |
| Total risk-based capital ratio | 10.5161% | 7,402 |
| Memoranda: | ||
| Average total assets | $61,723,500 | 6,319 |
| Average earning assets | $57,962,500 | 6,247 |
| Average equity | $3,500,000 | 7,343 |
| Average total loans | $43,962,500 | 5,936 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3716% | 4,831 |
| Cost of funding earning assets | 1.2852% | 6,361 |
| Net interest margin | 4.0865% | 2,507 |
| Noninterest income to average assets | 0.6586% | 3,235 |
| Noninterest expense to average assets | 3.7980% | 1,698 |
| Loan and lease loss provision to assets | 0.1638% | 6,052 |
| Net operating income to assets | 0.3676% | 4,259 |
| Return on assets (ROA) | 0.5080% | 3,792 |
| Pretax return on assets | 0.7364% | 3,453 |
| Return on Equity (ROE) | 9.1839% | 1,967 |
| Retained earnings to average equity (ytd only) | 9.1839% | 470 |
| Net charge-offs to loans | 0.2384% | 5,132 |
| Credit loss provision to net charge-offs | 93.3962% | 5,878 |
| Earnings coverage of net charge-offs (x) | 3.9717% | 3,120 |
| Efficiency ratio | 84.4993% | 2,291 |
| Assets per employee ($millions) | 3.4273% | 5,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9777% | 6,495 |
| Loan loss allowance to noncurrent loans | 85.0099% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.8218% | 5,456 |
| Noncurrent loans to loans | 1.1501% | 5,034 |
| Net loans and leases to total assets | 70.7591% | 3,067 |
| Net loans and leases to deposits | 78.6565% | 4,242 |
| Net loans and leases to core deposits | 93.2815% | 4,748 |
| Total domestic deposits to total assets | 89.9596% | 982 |
| Equity capital to assets | 5.6070% | 7,717 |
| Core capital (leverage) ratio | 5.7950% | 7,670 |
| Tier 1 risk-based capital ratio | 9.8662% | 6,974 |
| Total risk-based capital ratio | 11.0725% | 6,989 |
| Memoranda: | ||
| Average total assets | $60,427,200 | 6,333 |
| Average earning assets | $56,723,800 | 6,259 |
| Average equity | $3,342,800 | 7,490 |
| Average total loans | $44,469,200 | 5,908 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3915% | 4,991 |
| Cost of funding earning assets | 1.3473% | 6,405 |
| Net interest margin | 4.0442% | 2,618 |
| Noninterest income to average assets | 0.6077% | 3,634 |
| Noninterest expense to average assets | 3.7441% | 1,715 |
| Loan and lease loss provision to assets | 0.1885% | 5,489 |
| Net operating income to assets | 0.3629% | 4,540 |
| Return on assets (ROA) | 0.5678% | 3,803 |
| Pretax return on assets | 0.7364% | 3,745 |
| Return on Equity (ROE) | 10.3001% | 1,816 |
| Retained earnings to average equity (ytd only) | 10.3001% | 580 |
| Net charge-offs to loans | 0.2423% | 4,536 |
| Credit loss provision to net charge-offs | 104.9383% | 4,839 |
| Earnings coverage of net charge-offs (x) | 3.6666% | 3,436 |
| Efficiency ratio | 85.0378% | 2,180 |
| Assets per employee ($millions) | 3.5964% | 4,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9786% | 6,402 |
| Loan loss allowance to noncurrent loans | 88.7550% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.8146% | 5,466 |
| Noncurrent loans to loans | 1.1026% | 5,109 |
| Net loans and leases to total assets | 73.1558% | 2,751 |
| Net loans and leases to deposits | 81.9173% | 4,039 |
| Net loans and leases to core deposits | 98.4135% | 4,564 |
| Total domestic deposits to total assets | 89.3045% | 1,057 |
| Equity capital to assets | 5.8163% | 7,887 |
| Core capital (leverage) ratio | 5.6750% | 7,851 |
| Tier 1 risk-based capital ratio | 9.5272% | 7,349 |
| Total risk-based capital ratio | 10.7296% | 7,347 |
| Memoranda: | ||
| Average total assets | $60,111,250 | 6,384 |
| Average earning assets | $56,408,750 | 6,319 |
| Average equity | $3,313,750 | 7,566 |
| Average total loans | $44,565,750 | 5,943 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3057% | 5,631 |
| Cost of funding earning assets | 1.4158% | 6,428 |
| Net interest margin | 3.8899% | 3,155 |
| Noninterest income to average assets | 0.5421% | 4,099 |
| Noninterest expense to average assets | 3.6942% | 1,851 |
| Loan and lease loss provision to assets | 0.1506% | 5,566 |
| Net operating income to assets | 0.2717% | 5,010 |
| Return on assets (ROA) | 0.4618% | 4,359 |
| Pretax return on assets | 0.5755% | 4,386 |
| Return on Equity (ROE) | 8.5370% | 2,553 |
| Retained earnings to average equity (ytd only) | 8.5370% | 1,061 |
| Net charge-offs to loans | 0.3697% | 3,339 |
| Credit loss provision to net charge-offs | 54.8780% | 5,680 |
| Earnings coverage of net charge-offs (x) | 1.7805% | 4,221 |
| Efficiency ratio | 88.3200% | 1,972 |
| Assets per employee ($millions) | 3.1601% | 5,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9101% | 6,724 |
| Loan loss allowance to noncurrent loans | 76.9674% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 0.8677% | 5,254 |
| Noncurrent loans to loans | 1.1825% | 4,852 |
| Net loans and leases to total assets | 72.7136% | 3,031 |
| Net loans and leases to deposits | 81.6007% | 4,286 |
| Net loans and leases to core deposits | 99.9771% | 4,513 |
| Total domestic deposits to total assets | 89.1091% | 1,212 |
| Equity capital to assets | 5.4313% | 8,013 |
| Core capital (leverage) ratio | 5.6557% | 7,970 |
| Tier 1 risk-based capital ratio | 9.0818% | 7,650 |
| Total risk-based capital ratio | 10.1644% | 7,772 |
| Memoranda: | ||
| Average total assets | $59,769,000 | 6,457 |
| Average earning assets | $55,940,000 | 6,388 |
| Average equity | $3,233,000 | 7,654 |
| Average total loans | $44,365,000 | 6,010 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2604% | 6,069 |
| Cost of funding earning assets | 1.4752% | 6,486 |
| Net interest margin | 3.7852% | 3,514 |
| Noninterest income to average assets | 0.5232% | 4,112 |
| Noninterest expense to average assets | 3.7228% | 1,609 |
| Loan and lease loss provision to assets | 0.0805% | 5,942 |
| Net operating income to assets | 0.1959% | 5,674 |
| Return on assets (ROA) | 0.2012% | 5,822 |
| Pretax return on assets | 0.2549% | 5,808 |
| Return on Equity (ROE) | 3.7279% | 5,070 |
| Retained earnings to average equity (ytd only) | 3.7279% | 3,829 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8874% | 1,577 |
| Assets per employee ($millions) | 3.1491% | 5,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 6,011 |
| Loan loss allowance to noncurrent loans | 55.9701% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 1.3437% | 3,976 |
| Noncurrent loans to loans | 1.8271% | 3,520 |
| Net loans and leases to total assets | 72.7943% | 3,051 |
| Net loans and leases to deposits | 82.2895% | 4,239 |
| Net loans and leases to core deposits | 101.8473% | 4,362 |
| Total domestic deposits to total assets | 88.4612% | 1,503 |
| Equity capital to assets | 5.3215% | 8,089 |
| Core capital (leverage) ratio | 5.5450% | 8,076 |
| Tier 1 risk-based capital ratio | 8.8364% | 7,867 |
| Total risk-based capital ratio | 10.0630% | 7,929 |
| Memoranda: | ||
| Average total assets | $59,633,000 | 6,484 |
| Average earning assets | $55,585,500 | 6,430 |
| Average equity | $3,219,000 | 7,713 |
| Average total loans | $44,518,000 | 6,042 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9973% | 5,556 |
| Cost of funding earning assets | 2.0246% | 6,329 |
| Net interest margin | 3.9728% | 3,256 |
| Noninterest income to average assets | 0.5753% | 4,048 |
| Noninterest expense to average assets | 3.6655% | 2,018 |
| Loan and lease loss provision to assets | 0.2451% | 4,463 |
| Net operating income to assets | 0.3686% | 5,277 |
| Return on assets (ROA) | -0.6848% | 6,960 |
| Pretax return on assets | -1.2775% | 7,153 |
| Return on Equity (ROE) | -11.6956% | 7,405 |
| Retained earnings to average equity (ytd only) | -11.6956% | 7,225 |
| Net charge-offs to loans | 0.0249% | 6,494 |
| Credit loss provision to net charge-offs | 1,281.8182% | 355 |
| Earnings coverage of net charge-offs (x) | 32.0909% | 1,116 |
| Efficiency ratio | 85.6621% | 1,892 |
| Assets per employee ($millions) | 3.1281% | 5,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9727% | 6,255 |
| Loan loss allowance to noncurrent loans | 142.2078% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.5182% | 5,624 |
| Noncurrent loans to loans | 0.6840% | 5,330 |
| Net loans and leases to total assets | 75.0307% | 2,878 |
| Net loans and leases to deposits | 85.0557% | 4,245 |
| Net loans and leases to core deposits | 103.1839% | 4,483 |
| Total domestic deposits to total assets | 88.2136% | 1,380 |
| Equity capital to assets | 5.4751% | 8,136 |
| Core capital (leverage) ratio | 5.6189% | 8,145 |
| Tier 1 risk-based capital ratio | 8.8826% | 7,861 |
| Total risk-based capital ratio | 10.0916% | 7,922 |
| Memoranda: | ||
| Average total assets | $57,536,400 | 6,469 |
| Average earning assets | $53,640,400 | 6,433 |
| Average equity | $3,368,800 | 7,727 |
| Average total loans | $44,109,400 | 5,973 |