Home > State Bank of Niantic > Performance and Condition Ratios
State Bank of Niantic, Performance and Condition Ratios
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3552% | 5,667 |
| Cost of funding earning assets | 0.2896% | 4,993 |
| Net interest margin | 3.0657% | 5,347 |
| Noninterest income to average assets | 0.4921% | 3,600 |
| Noninterest expense to average assets | 3.0731% | 2,554 |
| Loan and lease loss provision to assets | 0.0615% | 3,127 |
| Net operating income to assets | 0.1968% | 5,855 |
| Return on assets (ROA) | 0.1968% | 5,905 |
| Pretax return on assets | 0.1968% | 5,953 |
| Return on Equity (ROE) | 1.3230% | 5,982 |
| Retained earnings to average equity (ytd only) | 1.3230% | 5,367 |
| Net charge-offs to loans | 1.0892% | 267 |
| Credit loss provision to net charge-offs | 13.5135% | 3,660 |
| Earnings coverage of net charge-offs (x) | 0.5676% | 4,359 |
| Efficiency ratio | 92.2452% | 696 |
| Assets per employee ($millions) | 3.1268% | 5,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7311% | 1,881 |
| Loan loss allowance to noncurrent loans | 91.8033% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 0.8974% | 3,196 |
| Noncurrent loans to loans | 1.8857% | 1,691 |
| Net loans and leases to total assets | 41.8617% | 5,685 |
| Net loans and leases to deposits | 50.7145% | 5,602 |
| Net loans and leases to core deposits | 52.4787% | 5,659 |
| Total domestic deposits to total assets | 82.5438% | 4,285 |
| Equity capital to assets | 15.3699% | 659 |
| Core capital (leverage) ratio | 14.8537% | 649 |
| Tier 1 risk-based capital ratio | 24.5595% | 927 |
| Total risk-based capital ratio | 25.7223% | 921 |
| Memoranda: | ||
| Average total assets | $54,189,750 | 5,752 |
| Average earning assets | $50,189,250 | 5,732 |
| Average equity | $8,061,750 | 5,230 |
| Average total loans | $22,645,750 | 5,929 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3062% | 5,778 |
| Cost of funding earning assets | 0.2963% | 5,004 |
| Net interest margin | 3.0099% | 5,491 |
| Noninterest income to average assets | 0.4694% | 3,723 |
| Noninterest expense to average assets | 3.1430% | 2,353 |
| Loan and lease loss provision to assets | 0.0917% | 2,494 |
| Net operating income to assets | 0.0293% | 6,159 |
| Return on assets (ROA) | 0.0293% | 6,184 |
| Pretax return on assets | 0.0293% | 6,174 |
| Return on Equity (ROE) | 0.1994% | 6,190 |
| Retained earnings to average equity (ytd only) | 0.1994% | 5,633 |
| Net charge-offs to loans | 1.5543% | 171 |
| Credit loss provision to net charge-offs | 14.2045% | 3,265 |
| Earnings coverage of net charge-offs (x) | 0.1875% | 4,098 |
| Efficiency ratio | 96.2921% | 545 |
| Assets per employee ($millions) | 3.1518% | 5,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8411% | 1,725 |
| Loan loss allowance to noncurrent loans | 78.6275% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 1.1851% | 2,711 |
| Noncurrent loans to loans | 2.3415% | 1,371 |
| Net loans and leases to total assets | 39.9029% | 5,823 |
| Net loans and leases to deposits | 47.2476% | 5,814 |
| Net loans and leases to core deposits | 48.8329% | 5,858 |
| Total domestic deposits to total assets | 84.4550% | 3,746 |
| Equity capital to assets | 15.2482% | 646 |
| Core capital (leverage) ratio | 14.5796% | 684 |
| Tier 1 risk-based capital ratio | 23.6430% | 1,026 |
| Total risk-based capital ratio | 24.7983% | 1,021 |
| Memoranda: | ||
| Average total assets | $54,534,330 | 5,799 |
| Average earning assets | $50,632,330 | 5,766 |
| Average equity | $8,025,670 | 5,269 |
| Average total loans | $22,646,330 | 5,973 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2499% | 5,933 |
| Cost of funding earning assets | 0.3054% | 5,008 |
| Net interest margin | 2.9445% | 5,657 |
| Noninterest income to average assets | 0.4799% | 3,568 |
| Noninterest expense to average assets | 3.0684% | 2,629 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1454% | 5,939 |
| Return on assets (ROA) | 0.1454% | 5,971 |
| Pretax return on assets | 0.1454% | 6,015 |
| Return on Equity (ROE) | 1.0058% | 6,040 |
| Retained earnings to average equity (ytd only) | 1.0058% | 5,197 |
| Net charge-offs to loans | 0.5719% | 645 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.6061% | 3,300 |
| Efficiency ratio | 95.4751% | 674 |
| Assets per employee ($millions) | 3.5382% | 4,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3927% | 921 |
| Loan loss allowance to noncurrent loans | 58.8435% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 1.6428% | 2,152 |
| Noncurrent loans to loans | 4.0662% | 657 |
| Net loans and leases to total assets | 37.3991% | 5,991 |
| Net loans and leases to deposits | 43.7366% | 5,989 |
| Net loans and leases to core deposits | 45.3712% | 6,026 |
| Total domestic deposits to total assets | 85.5099% | 3,605 |
| Equity capital to assets | 14.2022% | 859 |
| Core capital (leverage) ratio | 14.2812% | 736 |
| Tier 1 risk-based capital ratio | 17.4518% | 2,489 |
| Total risk-based capital ratio | 18.5541% | 2,518 |
| Memoranda: | ||
| Average total assets | $55,011,500 | 5,845 |
| Average earning assets | $51,078,500 | 5,813 |
| Average equity | $7,953,500 | 5,314 |
| Average total loans | $23,079,000 | 6,017 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6189% | 5,359 |
| Cost of funding earning assets | 0.4229% | 4,399 |
| Net interest margin | 3.1960% | 5,016 |
| Noninterest income to average assets | 0.5807% | 3,207 |
| Noninterest expense to average assets | 3.1656% | 2,531 |
| Loan and lease loss provision to assets | 0.1407% | 2,549 |
| Net operating income to assets | 0.2227% | 5,768 |
| Return on assets (ROA) | 0.2743% | 5,693 |
| Pretax return on assets | 0.2743% | 5,796 |
| Return on Equity (ROE) | 1.9081% | 5,868 |
| Retained earnings to average equity (ytd only) | 1.5364% | 5,127 |
| Net charge-offs to loans | 0.5721% | 1,150 |
| Credit loss provision to net charge-offs | 56.8345% | 3,656 |
| Earnings coverage of net charge-offs (x) | 1.4676% | 4,564 |
| Efficiency ratio | 89.7022% | 1,050 |
| Assets per employee ($millions) | 3.3383% | 5,208 |
| Cash dividends to net income (ytd only)* | 19.4805% | 3,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2561% | 1,108 |
| Loan loss allowance to noncurrent loans | 64.2608% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 1.7037% | 2,162 |
| Noncurrent loans to loans | 3.5109% | 890 |
| Net loans and leases to total assets | 44.7746% | 5,603 |
| Net loans and leases to deposits | 52.8859% | 5,557 |
| Net loans and leases to core deposits | 55.0010% | 5,614 |
| Total domestic deposits to total assets | 84.6626% | 3,903 |
| Equity capital to assets | 14.7289% | 726 |
| Core capital (leverage) ratio | 15.0833% | 594 |
| Tier 1 risk-based capital ratio | 21.3881% | 1,360 |
| Total risk-based capital ratio | 22.6380% | 1,339 |
| Memoranda: | ||
| Average total assets | $56,134,600 | 5,865 |
| Average earning assets | $51,783,600 | 5,841 |
| Average equity | $8,071,000 | 5,319 |
| Average total loans | $24,296,000 | 6,019 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6088% | 5,415 |
| Cost of funding earning assets | 0.4486% | 4,292 |
| Net interest margin | 3.1603% | 5,114 |
| Noninterest income to average assets | 0.6688% | 2,786 |
| Noninterest expense to average assets | 3.1329% | 2,558 |
| Loan and lease loss provision to assets | 0.1830% | 1,987 |
| Net operating income to assets | 0.2628% | 5,746 |
| Return on assets (ROA) | 0.3309% | 5,621 |
| Pretax return on assets | 0.3309% | 5,798 |
| Return on Equity (ROE) | 2.3147% | 5,848 |
| Retained earnings to average equity (ytd only) | 1.8222% | 5,227 |
| Net charge-offs to loans | 0.8686% | 671 |
| Credit loss provision to net charge-offs | 49.3671% | 3,523 |
| Earnings coverage of net charge-offs (x) | 1.2026% | 4,441 |
| Efficiency ratio | 87.5410% | 1,208 |
| Assets per employee ($millions) | 3.4069% | 5,050 |
| Cash dividends to net income (ytd only)* | 21.2766% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2756% | 1,219 |
| Loan loss allowance to noncurrent loans | 75.5682% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 1.3905% | 2,872 |
| Noncurrent loans to loans | 3.0114% | 1,335 |
| Net loans and leases to total assets | 41.9108% | 5,908 |
| Net loans and leases to deposits | 49.2212% | 5,887 |
| Net loans and leases to core deposits | 51.1371% | 5,940 |
| Total domestic deposits to total assets | 85.1480% | 3,660 |
| Equity capital to assets | 14.5402% | 817 |
| Core capital (leverage) ratio | 15.0114% | 641 |
| Tier 1 risk-based capital ratio | 20.7459% | 1,544 |
| Total risk-based capital ratio | 21.9856% | 1,524 |
| Memoranda: | ||
| Average total assets | $56,815,250 | 5,908 |
| Average earning assets | $52,315,000 | 5,893 |
| Average equity | $8,122,000 | 5,363 |
| Average total loans | $24,253,250 | 6,083 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6350% | 5,336 |
| Cost of funding earning assets | 0.4885% | 4,008 |
| Net interest margin | 3.1466% | 5,132 |
| Noninterest income to average assets | 0.6356% | 2,986 |
| Noninterest expense to average assets | 3.2266% | 2,286 |
| Loan and lease loss provision to assets | 0.2362% | 1,573 |
| Net operating income to assets | 0.0590% | 6,223 |
| Return on assets (ROA) | 0.1598% | 6,113 |
| Pretax return on assets | 0.1598% | 6,144 |
| Return on Equity (ROE) | 1.1237% | 6,179 |
| Retained earnings to average equity (ytd only) | 0.7573% | 5,598 |
| Net charge-offs to loans | 1.1326% | 524 |
| Credit loss provision to net charge-offs | 48.9209% | 3,234 |
| Earnings coverage of net charge-offs (x) | 0.6115% | 4,327 |
| Efficiency ratio | 91.6174% | 920 |
| Assets per employee ($millions) | 2.9726% | 5,894 |
| Cash dividends to net income (ytd only)* | 32.6087% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3518% | 1,169 |
| Loan loss allowance to noncurrent loans | 127.2941% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 1.4182% | 2,974 |
| Noncurrent loans to loans | 1.8475% | 2,564 |
| Net loans and leases to total assets | 39.7716% | 6,060 |
| Net loans and leases to deposits | 47.0104% | 6,044 |
| Net loans and leases to core deposits | 49.0469% | 6,075 |
| Total domestic deposits to total assets | 84.6016% | 4,086 |
| Equity capital to assets | 13.7234% | 1,043 |
| Core capital (leverage) ratio | 15.7068% | 494 |
| Tier 1 risk-based capital ratio | 21.9244% | 1,297 |
| Total risk-based capital ratio | 22.4032% | 1,430 |
| Memoranda: | ||
| Average total assets | $57,583,330 | 5,930 |
| Average earning assets | $52,819,670 | 5,907 |
| Average equity | $8,187,330 | 5,381 |
| Average total loans | $24,545,000 | 6,093 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6273% | 5,370 |
| Cost of funding earning assets | 0.5471% | 3,600 |
| Net interest margin | 3.0802% | 5,330 |
| Noninterest income to average assets | 0.7293% | 2,431 |
| Noninterest expense to average assets | 3.0825% | 2,725 |
| Loan and lease loss provision to assets | 0.1927% | 1,916 |
| Net operating income to assets | 0.2821% | 5,620 |
| Return on assets (ROA) | 0.2821% | 5,743 |
| Pretax return on assets | 0.2821% | 5,895 |
| Return on Equity (ROE) | 1.9511% | 5,954 |
| Retained earnings to average equity (ytd only) | 1.9511% | 5,026 |
| Net charge-offs to loans | -0.1264% | 6,537 |
| Credit loss provision to net charge-offs | -350.0000% | 5,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6538% | 1,445 |
| Assets per employee ($millions) | 3.1206% | 5,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6265% | 987 |
| Loan loss allowance to noncurrent loans | 101.4085% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 1.5280% | 2,967 |
| Noncurrent loans to loans | 2.5900% | 1,995 |
| Net loans and leases to total assets | 40.5181% | 5,957 |
| Net loans and leases to deposits | 47.3958% | 5,968 |
| Net loans and leases to core deposits | 49.3215% | 6,014 |
| Total domestic deposits to total assets | 85.4888% | 3,805 |
| Equity capital to assets | 14.1638% | 972 |
| Core capital (leverage) ratio | 14.6909% | 636 |
| Tier 1 risk-based capital ratio | 20.8551% | 1,570 |
| Total risk-based capital ratio | 22.0986% | 1,546 |
| Memoranda: | ||
| Average total assets | $58,135,000 | 5,963 |
| Average earning assets | $53,373,000 | 5,927 |
| Average equity | $8,405,500 | 5,385 |
| Average total loans | $25,315,500 | 6,105 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0745% | 5,042 |
| Cost of funding earning assets | 0.7755% | 2,868 |
| Net interest margin | 3.2990% | 5,250 |
| Noninterest income to average assets | 0.6928% | 2,757 |
| Noninterest expense to average assets | 3.1778% | 2,687 |
| Loan and lease loss provision to assets | 0.2146% | 2,993 |
| Net operating income to assets | 0.3368% | 5,344 |
| Return on assets (ROA) | 0.4345% | 5,192 |
| Pretax return on assets | 0.4345% | 5,465 |
| Return on Equity (ROE) | 2.9555% | 5,564 |
| Retained earnings to average equity (ytd only) | -0.3680% | 5,917 |
| Net charge-offs to loans | 1.7736% | 465 |
| Credit loss provision to net charge-offs | 25.1534% | 5,200 |
| Earnings coverage of net charge-offs (x) | 0.6462% | 5,161 |
| Efficiency ratio | 85.2129% | 1,500 |
| Assets per employee ($millions) | 2.9988% | 6,019 |
| Cash dividends to net income (ytd only)* | 112.4498% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3576% | 1,295 |
| Loan loss allowance to noncurrent loans | 71.2456% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 1.9481% | 2,515 |
| Noncurrent loans to loans | 3.3091% | 1,548 |
| Net loans and leases to total assets | 44.4856% | 5,771 |
| Net loans and leases to deposits | 52.4088% | 5,775 |
| Net loans and leases to core deposits | 54.6778% | 5,827 |
| Total domestic deposits to total assets | 84.8819% | 3,913 |
| Equity capital to assets | 14.7653% | 800 |
| Core capital (leverage) ratio | 15.6213% | 494 |
| Tier 1 risk-based capital ratio | 22.4461% | 1,188 |
| Total risk-based capital ratio | 23.7078% | 1,164 |
| Memoranda: | ||
| Average total assets | $57,303,400 | 5,990 |
| Average earning assets | $52,743,200 | 5,963 |
| Average equity | $8,425,000 | 5,382 |
| Average total loans | $27,570,600 | 6,055 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1149% | 5,134 |
| Cost of funding earning assets | 0.8044% | 2,905 |
| Net interest margin | 3.3105% | 5,352 |
| Noninterest income to average assets | 0.7017% | 2,708 |
| Noninterest expense to average assets | 3.1575% | 2,695 |
| Loan and lease loss provision to assets | 0.1975% | 3,108 |
| Net operating income to assets | 0.4066% | 5,220 |
| Return on assets (ROA) | 0.5367% | 4,947 |
| Pretax return on assets | 0.5367% | 5,357 |
| Return on Equity (ROE) | 3.6544% | 5,432 |
| Retained earnings to average equity (ytd only) | -0.7752% | 6,237 |
| Net charge-offs to loans | 1.4823% | 585 |
| Credit loss provision to net charge-offs | 27.3312% | 4,840 |
| Earnings coverage of net charge-offs (x) | 0.8360% | 4,911 |
| Efficiency ratio | 83.9407% | 1,593 |
| Assets per employee ($millions) | 2.9781% | 6,085 |
| Cash dividends to net income (ytd only)* | 121.2117% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8848% | 814 |
| Loan loss allowance to noncurrent loans | 64.4387% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 2.2321% | 2,390 |
| Noncurrent loans to loans | 4.4768% | 1,055 |
| Net loans and leases to total assets | 44.7414% | 5,901 |
| Net loans and leases to deposits | 52.8264% | 5,902 |
| Net loans and leases to core deposits | 54.7847% | 5,984 |
| Total domestic deposits to total assets | 84.6950% | 3,891 |
| Equity capital to assets | 14.9674% | 829 |
| Core capital (leverage) ratio | 14.2132% | 769 |
| Tier 1 risk-based capital ratio | 21.7053% | 1,378 |
| Total risk-based capital ratio | 22.9626% | 1,356 |
| Memoranda: | ||
| Average total assets | $57,384,750 | 6,055 |
| Average earning assets | $53,042,250 | 6,025 |
| Average equity | $8,428,000 | 5,430 |
| Average total loans | $27,973,500 | 6,111 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1793% | 5,029 |
| Cost of funding earning assets | 0.8269% | 2,979 |
| Net interest margin | 3.3524% | 5,260 |
| Noninterest income to average assets | 0.6799% | 2,773 |
| Noninterest expense to average assets | 3.2540% | 2,429 |
| Loan and lease loss provision to assets | 0.0173% | 5,450 |
| Net operating income to assets | 0.5169% | 4,735 |
| Return on assets (ROA) | 0.5342% | 4,935 |
| Pretax return on assets | 0.5342% | 5,357 |
| Return on Equity (ROE) | 3.6604% | 5,415 |
| Retained earnings to average equity (ytd only) | -0.9745% | 6,208 |
| Net charge-offs to loans | 1.1395% | 949 |
| Credit loss provision to net charge-offs | 3.0675% | 4,796 |
| Earnings coverage of net charge-offs (x) | 0.9448% | 4,566 |
| Efficiency ratio | 85.8974% | 1,444 |
| Assets per employee ($millions) | 2.9694% | 6,128 |
| Cash dividends to net income (ytd only)* | 126.6234% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0207% | 766 |
| Loan loss allowance to noncurrent loans | 70.9957% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 2.2174% | 2,521 |
| Noncurrent loans to loans | 4.2548% | 1,271 |
| Net loans and leases to total assets | 46.6624% | 5,766 |
| Net loans and leases to deposits | 55.1122% | 5,754 |
| Net loans and leases to core deposits | 57.7388% | 5,795 |
| Total domestic deposits to total assets | 84.6680% | 4,019 |
| Equity capital to assets | 14.9739% | 796 |
| Core capital (leverage) ratio | 14.0009% | 806 |
| Tier 1 risk-based capital ratio | 25.4551% | 856 |
| Total risk-based capital ratio | 26.7203% | 838 |
| Memoranda: | ||
| Average total assets | $57,652,000 | 6,087 |
| Average earning assets | $53,454,330 | 6,043 |
| Average equity | $8,414,330 | 5,442 |
| Average total loans | $28,608,670 | 6,130 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2548% | 4,910 |
| Cost of funding earning assets | 0.8658% | 2,950 |
| Net interest margin | 3.3890% | 5,159 |
| Noninterest income to average assets | 0.6659% | 2,833 |
| Noninterest expense to average assets | 3.0411% | 3,112 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7688% | 3,528 |
| Return on assets (ROA) | 0.7688% | 3,764 |
| Pretax return on assets | 0.7688% | 4,534 |
| Return on Equity (ROE) | 5.3349% | 4,621 |
| Retained earnings to average equity (ytd only) | 5.3349% | 3,354 |
| Net charge-offs to loans | 0.0273% | 4,304 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 577 |
| Efficiency ratio | 79.8198% | 2,224 |
| Assets per employee ($millions) | 2.9738% | 6,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4357% | 561 |
| Loan loss allowance to noncurrent loans | 90.4541% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 1.9218% | 3,020 |
| Noncurrent loans to loans | 3.7982% | 1,628 |
| Net loans and leases to total assets | 46.1236% | 5,768 |
| Net loans and leases to deposits | 54.0489% | 5,804 |
| Net loans and leases to core deposits | 56.4595% | 5,866 |
| Total domestic deposits to total assets | 85.3367% | 3,863 |
| Equity capital to assets | 14.3270% | 914 |
| Core capital (leverage) ratio | 13.5677% | 924 |
| Tier 1 risk-based capital ratio | 24.9159% | 915 |
| Total risk-based capital ratio | 26.1859% | 901 |
| Memoranda: | ||
| Average total assets | $58,269,000 | 6,112 |
| Average earning assets | $54,056,500 | 6,063 |
| Average equity | $8,397,500 | 5,467 |
| Average total loans | $29,340,000 | 6,145 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7032% | 4,233 |
| Cost of funding earning assets | 1.1528% | 2,336 |
| Net interest margin | 3.5504% | 4,930 |
| Noninterest income to average assets | 0.7895% | 2,124 |
| Noninterest expense to average assets | 3.4149% | 2,204 |
| Loan and lease loss provision to assets | 0.4649% | 2,280 |
| Net operating income to assets | 0.1676% | 5,683 |
| Return on assets (ROA) | 0.1876% | 5,758 |
| Pretax return on assets | 0.1893% | 5,813 |
| Return on Equity (ROE) | 1.3681% | 5,869 |
| Retained earnings to average equity (ytd only) | 0.6286% | 5,554 |
| Net charge-offs to loans | 0.9085% | 1,911 |
| Credit loss provision to net charge-offs | 92.9054% | 3,881 |
| Earnings coverage of net charge-offs (x) | 1.2669% | 4,830 |
| Efficiency ratio | 84.3424% | 1,727 |
| Assets per employee ($millions) | 2.8532% | 6,373 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2307% | 663 |
| Loan loss allowance to noncurrent loans | 82.3232% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 2.4324% | 2,504 |
| Noncurrent loans to loans | 3.9244% | 1,598 |
| Net loans and leases to total assets | 51.3362% | 5,415 |
| Net loans and leases to deposits | 60.3005% | 5,451 |
| Net loans and leases to core deposits | 63.7048% | 5,492 |
| Total domestic deposits to total assets | 85.1340% | 3,769 |
| Equity capital to assets | 14.4998% | 899 |
| Core capital (leverage) ratio | 13.8534% | 858 |
| Tier 1 risk-based capital ratio | 24.3016% | 942 |
| Total risk-based capital ratio | 25.5725% | 930 |
| Memoranda: | ||
| Average total assets | $59,153,400 | 6,069 |
| Average earning assets | $54,303,600 | 6,035 |
| Average equity | $8,113,200 | 5,537 |
| Average total loans | $32,580,400 | 6,037 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7482% | 4,234 |
| Cost of funding earning assets | 1.1962% | 2,336 |
| Net interest margin | 3.5520% | 4,971 |
| Noninterest income to average assets | 0.8222% | 1,951 |
| Noninterest expense to average assets | 3.4251% | 2,126 |
| Loan and lease loss provision to assets | 0.5251% | 1,882 |
| Net operating income to assets | 0.1209% | 5,913 |
| Return on assets (ROA) | 0.1475% | 5,963 |
| Pretax return on assets | 0.1497% | 5,999 |
| Return on Equity (ROE) | 1.0901% | 6,053 |
| Retained earnings to average equity (ytd only) | 1.0901% | 5,586 |
| Net charge-offs to loans | 0.9651% | 1,668 |
| Credit loss provision to net charge-offs | 97.9167% | 3,492 |
| Earnings coverage of net charge-offs (x) | 1.2084% | 4,719 |
| Efficiency ratio | 84.0922% | 1,721 |
| Assets per employee ($millions) | 3.0091% | 6,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2412% | 694 |
| Loan loss allowance to noncurrent loans | 87.6543% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 2.2017% | 2,890 |
| Noncurrent loans to loans | 3.6977% | 1,845 |
| Net loans and leases to total assets | 49.3071% | 5,797 |
| Net loans and leases to deposits | 57.4688% | 5,894 |
| Net loans and leases to core deposits | 60.8398% | 5,916 |
| Total domestic deposits to total assets | 85.7981% | 3,327 |
| Equity capital to assets | 13.8912% | 1,201 |
| Core capital (leverage) ratio | 13.7253% | 979 |
| Tier 1 risk-based capital ratio | 23.3737% | 1,093 |
| Total risk-based capital ratio | 24.6425% | 1,071 |
| Memoranda: | ||
| Average total assets | $59,676,000 | 6,100 |
| Average earning assets | $54,615,500 | 6,076 |
| Average equity | $8,073,000 | 5,572 |
| Average total loans | $33,157,500 | 6,060 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7859% | 4,150 |
| Cost of funding earning assets | 1.2294% | 2,384 |
| Net interest margin | 3.5565% | 4,900 |
| Noninterest income to average assets | 0.7932% | 2,053 |
| Noninterest expense to average assets | 3.6432% | 1,642 |
| Loan and lease loss provision to assets | 0.7898% | 1,168 |
| Net operating income to assets | -0.3764% | 6,598 |
| Return on assets (ROA) | -0.3361% | 6,605 |
| Pretax return on assets | -0.3327% | 6,552 |
| Return on Equity (ROE) | -2.5071% | 6,552 |
| Retained earnings to average equity (ytd only) | -2.5071% | 6,311 |
| Net charge-offs to loans | 0.8709% | 1,777 |
| Credit loss provision to net charge-offs | 158.7838% | 1,915 |
| Earnings coverage of net charge-offs (x) | 0.8378% | 4,673 |
| Efficiency ratio | 89.7351% | 1,258 |
| Assets per employee ($millions) | 2.3397% | 7,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3234% | 691 |
| Loan loss allowance to noncurrent loans | 98.9973% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 2.3558% | 2,794 |
| Noncurrent loans to loans | 3.3571% | 2,120 |
| Net loans and leases to total assets | 54.0082% | 5,296 |
| Net loans and leases to deposits | 62.8777% | 5,402 |
| Net loans and leases to core deposits | 66.6547% | 5,424 |
| Total domestic deposits to total assets | 85.8940% | 3,379 |
| Equity capital to assets | 13.7623% | 1,176 |
| Core capital (leverage) ratio | 13.3519% | 1,047 |
| Tier 1 risk-based capital ratio | 22.5733% | 1,183 |
| Total risk-based capital ratio | 23.8469% | 1,158 |
| Memoranda: | ||
| Average total assets | $59,507,330 | 6,153 |
| Average earning assets | $54,660,670 | 6,124 |
| Average equity | $7,977,330 | 5,618 |
| Average total loans | $33,987,330 | 6,075 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8156% | 3,987 |
| Cost of funding earning assets | 1.2968% | 2,196 |
| Net interest margin | 3.5188% | 4,920 |
| Noninterest income to average assets | 0.6465% | 2,866 |
| Noninterest expense to average assets | 3.2792% | 2,623 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5807% | 4,130 |
| Return on assets (ROA) | 0.6598% | 3,780 |
| Pretax return on assets | 0.6665% | 4,434 |
| Return on Equity (ROE) | 4.9868% | 4,412 |
| Retained earnings to average equity (ytd only) | 4.9868% | 3,204 |
| Net charge-offs to loans | 1.0161% | 1,343 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 3,911 |
| Efficiency ratio | 84.8276% | 1,865 |
| Assets per employee ($millions) | 2.4353% | 7,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7121% | 1,197 |
| Loan loss allowance to noncurrent loans | 80.6195% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 2.5902% | 2,643 |
| Noncurrent loans to loans | 3.3641% | 2,225 |
| Net loans and leases to total assets | 53.6751% | 5,353 |
| Net loans and leases to deposits | 61.9648% | 5,500 |
| Net loans and leases to core deposits | 67.4183% | 5,367 |
| Total domestic deposits to total assets | 86.6219% | 3,171 |
| Equity capital to assets | 13.1383% | 1,320 |
| Core capital (leverage) ratio | 12.8458% | 1,179 |
| Tier 1 risk-based capital ratio | 22.3811% | 1,164 |
| Total risk-based capital ratio | 23.6463% | 1,142 |
| Memoranda: | ||
| Average total assets | $60,014,500 | 6,185 |
| Average earning assets | $54,905,000 | 6,168 |
| Average equity | $7,941,000 | 5,630 |
| Average total loans | $34,642,500 | 6,096 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7359% | 1,450 |
| Cost of funding earning assets | 1.5861% | 2,154 |
| Net interest margin | 4.1498% | 2,364 |
| Noninterest income to average assets | 0.6793% | 2,966 |
| Noninterest expense to average assets | 3.1234% | 3,374 |
| Loan and lease loss provision to assets | 3.3715% | 247 |
| Net operating income to assets | -2.0529% | 7,072 |
| Return on assets (ROA) | -1.8397% | 7,033 |
| Pretax return on assets | -1.8214% | 6,971 |
| Return on Equity (ROE) | -12.3475% | 6,822 |
| Retained earnings to average equity (ytd only) | -14.1465% | 6,849 |
| Net charge-offs to loans | 3.9251% | 327 |
| Credit loss provision to net charge-offs | 131.6645% | 2,996 |
| Earnings coverage of net charge-offs (x) | 0.5221% | 5,596 |
| Efficiency ratio | 70.0261% | 4,176 |
| Assets per employee ($millions) | 2.3658% | 7,158 |
| Cash dividends to net income (ytd only)* | -14.5701% | 7,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7987% | 1,058 |
| Loan loss allowance to noncurrent loans | 49.5045% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 4.2674% | 1,564 |
| Noncurrent loans to loans | 5.6535% | 1,151 |
| Net loans and leases to total assets | 58.6616% | 4,928 |
| Net loans and leases to deposits | 67.8916% | 5,114 |
| Net loans and leases to core deposits | 76.0894% | 4,698 |
| Total domestic deposits to total assets | 86.4048% | 3,134 |
| Equity capital to assets | 13.3280% | 1,248 |
| Core capital (leverage) ratio | 13.2228% | 1,055 |
| Tier 1 risk-based capital ratio | 22.0441% | 1,170 |
| Total risk-based capital ratio | 23.3137% | 1,135 |
| Memoranda: | ||
| Average total assets | $60,062,800 | 6,200 |
| Average earning assets | $54,725,200 | 6,185 |
| Average equity | $8,949,200 | 5,443 |
| Average total loans | $39,184,000 | 5,955 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8765% | 1,190 |
| Cost of funding earning assets | 1.6305% | 2,213 |
| Net interest margin | 4.2460% | 2,046 |
| Noninterest income to average assets | 0.8669% | 1,925 |
| Noninterest expense to average assets | 3.1137% | 3,279 |
| Loan and lease loss provision to assets | 2.5542% | 404 |
| Net operating income to assets | -0.9509% | 6,873 |
| Return on assets (ROA) | -0.6944% | 6,778 |
| Pretax return on assets | -0.6745% | 6,660 |
| Return on Equity (ROE) | -4.5429% | 6,615 |
| Retained earnings to average equity (ytd only) | -6.8721% | 6,708 |
| Net charge-offs to loans | 1.3148% | 1,549 |
| Credit loss provision to net charge-offs | 292.4051% | 1,095 |
| Earnings coverage of net charge-offs (x) | 1.8582% | 4,313 |
| Efficiency ratio | 65.7330% | 4,917 |
| Assets per employee ($millions) | 2.8000% | 6,586 |
| Cash dividends to net income (ytd only)* | -51.2731% | 7,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3426% | 609 |
| Loan loss allowance to noncurrent loans | 56.0847% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 3.9366% | 1,784 |
| Noncurrent loans to loans | 5.9600% | 1,051 |
| Net loans and leases to total assets | 59.7101% | 4,961 |
| Net loans and leases to deposits | 70.1130% | 5,128 |
| Net loans and leases to core deposits | 78.7320% | 4,710 |
| Total domestic deposits to total assets | 85.1626% | 3,537 |
| Equity capital to assets | 14.4852% | 1,024 |
| Core capital (leverage) ratio | 14.9412% | 727 |
| Tier 1 risk-based capital ratio | 22.8873% | 1,084 |
| Total risk-based capital ratio | 24.3798% | 1,019 |
| Memoranda: | ||
| Average total assets | $60,292,000 | 6,258 |
| Average earning assets | $54,952,250 | 6,238 |
| Average equity | $9,215,750 | 5,422 |
| Average total loans | $40,056,250 | 6,001 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0371% | 864 |
| Cost of funding earning assets | 1.6683% | 2,293 |
| Net interest margin | 4.3688% | 1,538 |
| Noninterest income to average assets | 0.9289% | 1,588 |
| Noninterest expense to average assets | 2.9905% | 3,747 |
| Loan and lease loss provision to assets | 2.9404% | 336 |
| Net operating income to assets | -1.0058% | 6,949 |
| Return on assets (ROA) | -0.9890% | 6,961 |
| Pretax return on assets | -0.9690% | 6,873 |
| Return on Equity (ROE) | -6.3565% | 6,791 |
| Retained earnings to average equity (ytd only) | -9.8139% | 6,908 |
| Net charge-offs to loans | 0.9921% | 1,866 |
| Credit loss provision to net charge-offs | 435.6436% | 830 |
| Earnings coverage of net charge-offs (x) | 2.8960% | 3,548 |
| Efficiency ratio | 60.4730% | 5,968 |
| Assets per employee ($millions) | 2.4633% | 7,149 |
| Cash dividends to net income (ytd only)* | -54.3919% | 7,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9652% | 848 |
| Loan loss allowance to noncurrent loans | 61.7220% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 3.7179% | 1,881 |
| Noncurrent loans to loans | 4.8041% | 1,476 |
| Net loans and leases to total assets | 65.8705% | 3,862 |
| Net loans and leases to deposits | 78.1074% | 3,944 |
| Net loans and leases to core deposits | 83.2539% | 4,242 |
| Total domestic deposits to total assets | 84.3333% | 3,940 |
| Equity capital to assets | 15.3081% | 822 |
| Core capital (leverage) ratio | 15.2718% | 672 |
| Tier 1 risk-based capital ratio | 22.3516% | 1,149 |
| Total risk-based capital ratio | 23.6320% | 1,121 |
| Memoranda: | ||
| Average total assets | $59,855,670 | 6,310 |
| Average earning assets | $55,026,330 | 6,279 |
| Average equity | $9,313,330 | 5,411 |
| Average total loans | $40,723,670 | 6,019 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9763% | 1,025 |
| Cost of funding earning assets | 1.7241% | 2,274 |
| Net interest margin | 4.2522% | 1,847 |
| Noninterest income to average assets | 0.8767% | 1,713 |
| Noninterest expense to average assets | 2.9423% | 3,900 |
| Loan and lease loss provision to assets | 1.3483% | 885 |
| Net operating income to assets | 0.4649% | 4,552 |
| Return on assets (ROA) | 0.4649% | 4,686 |
| Pretax return on assets | 0.4849% | 5,018 |
| Return on Equity (ROE) | 2.9645% | 5,347 |
| Retained earnings to average equity (ytd only) | 2.9645% | 4,347 |
| Net charge-offs to loans | 1.3847% | 1,245 |
| Credit loss provision to net charge-offs | 142.9577% | 2,487 |
| Earnings coverage of net charge-offs (x) | 1.9437% | 3,566 |
| Efficiency ratio | 61.6134% | 5,897 |
| Assets per employee ($millions) | 2.6581% | 6,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4119% | 4,356 |
| Loan loss allowance to noncurrent loans | 28.6500% | 6,489 |
| Noncurrent assets plus other real estate owned to assets | 3.6181% | 1,939 |
| Noncurrent loans to loans | 4.9281% | 1,477 |
| Net loans and leases to total assets | 65.4448% | 4,006 |
| Net loans and leases to deposits | 77.7532% | 4,095 |
| Net loans and leases to core deposits | 83.5059% | 4,270 |
| Total domestic deposits to total assets | 84.1700% | 4,069 |
| Equity capital to assets | 15.5356% | 759 |
| Core capital (leverage) ratio | 15.2098% | 707 |
| Tier 1 risk-based capital ratio | 22.8764% | 1,094 |
| Total risk-based capital ratio | 24.1261% | 1,068 |
| Memoranda: | ||
| Average total assets | $60,224,000 | 6,369 |
| Average earning assets | $55,218,500 | 6,354 |
| Average equity | $9,445,000 | 5,411 |
| Average total loans | $41,019,500 | 6,073 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4853% | 691 |
| Cost of funding earning assets | 2.0171% | 2,884 |
| Net interest margin | 4.4682% | 1,245 |
| Noninterest income to average assets | 1.6375% | 539 |
| Noninterest expense to average assets | 2.6386% | 5,632 |
| Loan and lease loss provision to assets | 1.7957% | 1,264 |
| Net operating income to assets | 1.3470% | 949 |
| Return on assets (ROA) | 1.2969% | 1,088 |
| Pretax return on assets | 1.3313% | 1,610 |
| Return on Equity (ROE) | 7.7965% | 2,462 |
| Retained earnings to average equity (ytd only) | -4.0947% | 5,882 |
| Net charge-offs to loans | 2.3366% | 993 |
| Credit loss provision to net charge-offs | 109.0909% | 5,061 |
| Earnings coverage of net charge-offs (x) | 1.9310% | 4,276 |
| Efficiency ratio | 45.3578% | 7,736 |
| Assets per employee ($millions) | 2.4713% | 7,243 |
| Cash dividends to net income (ytd only)* | 152.5199% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 5,143 |
| Loan loss allowance to noncurrent loans | 31.1815% | 6,394 |
| Noncurrent assets plus other real estate owned to assets | 3.1293% | 2,209 |
| Noncurrent loans to loans | 3.9609% | 1,867 |
| Net loans and leases to total assets | 69.0310% | 3,481 |
| Net loans and leases to deposits | 82.3124% | 3,570 |
| Net loans and leases to core deposits | 115.5570% | 2,366 |
| Total domestic deposits to total assets | 83.8647% | 4,095 |
| Equity capital to assets | 15.8352% | 723 |
| Core capital (leverage) ratio | 15.6511% | 671 |
| Tier 1 risk-based capital ratio | 22.4960% | 1,092 |
| Total risk-based capital ratio | 23.7317% | 1,073 |
| Memoranda: | ||
| Average total assets | $58,137,600 | 6,427 |
| Average earning assets | $54,384,800 | 6,359 |
| Average equity | $9,671,000 | 5,391 |
| Average total loans | $40,956,800 | 6,058 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4993% | 749 |
| Cost of funding earning assets | 2.0637% | 3,058 |
| Net interest margin | 4.4356% | 1,350 |
| Noninterest income to average assets | 1.5582% | 609 |
| Noninterest expense to average assets | 2.5839% | 5,770 |
| Loan and lease loss provision to assets | 1.3599% | 1,417 |
| Net operating income to assets | 1.7576% | 498 |
| Return on assets (ROA) | 1.8163% | 457 |
| Pretax return on assets | 1.8555% | 724 |
| Return on Equity (ROE) | 10.7860% | 1,680 |
| Retained earnings to average equity (ytd only) | -4.2706% | 6,149 |
| Net charge-offs to loans | 1.3649% | 1,505 |
| Credit loss provision to net charge-offs | 141.1483% | 3,479 |
| Earnings coverage of net charge-offs (x) | 3.2751% | 3,600 |
| Efficiency ratio | 45.0201% | 7,802 |
| Assets per employee ($millions) | 2.7016% | 6,850 |
| Cash dividends to net income (ytd only)* | 139.5940% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4619% | 3,635 |
| Loan loss allowance to noncurrent loans | 31.6879% | 6,336 |
| Noncurrent assets plus other real estate owned to assets | 3.5332% | 1,874 |
| Noncurrent loans to loans | 4.6135% | 1,500 |
| Net loans and leases to total assets | 67.7031% | 4,022 |
| Net loans and leases to deposits | 82.0421% | 4,016 |
| Net loans and leases to core deposits | 114.5134% | 2,778 |
| Total domestic deposits to total assets | 82.5224% | 4,435 |
| Equity capital to assets | 16.0744% | 778 |
| Core capital (leverage) ratio | 15.9231% | 691 |
| Tier 1 risk-based capital ratio | 21.7842% | 1,249 |
| Total risk-based capital ratio | 23.0350% | 1,228 |
| Memoranda: | ||
| Average total assets | $57,844,250 | 6,473 |
| Average earning assets | $54,527,500 | 6,397 |
| Average equity | $9,740,750 | 5,418 |
| Average total loans | $40,832,250 | 6,113 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6064% | 654 |
| Cost of funding earning assets | 2.1047% | 3,241 |
| Net interest margin | 4.5017% | 1,166 |
| Noninterest income to average assets | 1.5808% | 602 |
| Noninterest expense to average assets | 2.5090% | 6,091 |
| Loan and lease loss provision to assets | 1.3609% | 1,270 |
| Net operating income to assets | 1.9080% | 368 |
| Return on assets (ROA) | 1.9960% | 332 |
| Pretax return on assets | 2.0484% | 500 |
| Return on Equity (ROE) | 11.6699% | 1,514 |
| Retained earnings to average equity (ytd only) | -7.4059% | 6,606 |
| Net charge-offs to loans | 0.7788% | 2,121 |
| Credit loss provision to net charge-offs | 245.2830% | 1,896 |
| Earnings coverage of net charge-offs (x) | 5.9811% | 2,712 |
| Efficiency ratio | 43.0539% | 7,952 |
| Assets per employee ($millions) | 3.2711% | 5,397 |
| Cash dividends to net income (ytd only)* | 163.4615% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6045% | 2,716 |
| Loan loss allowance to noncurrent loans | 33.5550% | 6,224 |
| Noncurrent assets plus other real estate owned to assets | 3.7908% | 1,606 |
| Noncurrent loans to loans | 4.7818% | 1,309 |
| Net loans and leases to total assets | 68.3232% | 4,099 |
| Net loans and leases to deposits | 82.7039% | 4,100 |
| Net loans and leases to core deposits | 110.3316% | 3,341 |
| Total domestic deposits to total assets | 82.6118% | 4,416 |
| Equity capital to assets | 15.9123% | 844 |
| Core capital (leverage) ratio | 16.1035% | 730 |
| Tier 1 risk-based capital ratio | 22.2945% | 1,211 |
| Total risk-based capital ratio | 23.5486% | 1,184 |
| Memoranda: | ||
| Average total assets | $57,313,670 | 6,538 |
| Average earning assets | $54,068,670 | 6,465 |
| Average equity | $9,803,000 | 5,419 |
| Average total loans | $40,830,670 | 6,166 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6597% | 627 |
| Cost of funding earning assets | 2.1700% | 3,318 |
| Net interest margin | 4.4897% | 1,148 |
| Noninterest income to average assets | 1.9034% | 394 |
| Noninterest expense to average assets | 2.4977% | 5,848 |
| Loan and lease loss provision to assets | 1.7689% | 699 |
| Net operating income to assets | 1.8046% | 525 |
| Return on assets (ROA) | 1.9812% | 412 |
| Pretax return on assets | 2.0661% | 578 |
| Return on Equity (ROE) | 11.1776% | 1,918 |
| Retained earnings to average equity (ytd only) | 11.1776% | 936 |
| Net charge-offs to loans | 0.6862% | 1,811 |
| Credit loss provision to net charge-offs | 357.1429% | 1,418 |
| Earnings coverage of net charge-offs (x) | 7.3714% | 2,353 |
| Efficiency ratio | 40.6214% | 8,034 |
| Assets per employee ($millions) | 3.1700% | 5,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 2,967 |
| Loan loss allowance to noncurrent loans | 31.5268% | 6,441 |
| Noncurrent assets plus other real estate owned to assets | 3.8503% | 1,365 |
| Noncurrent loans to loans | 4.7704% | 1,162 |
| Net loans and leases to total assets | 69.4392% | 3,808 |
| Net loans and leases to deposits | 86.0693% | 3,616 |
| Net loans and leases to core deposits | 113.2607% | 3,075 |
| Total domestic deposits to total assets | 80.6782% | 5,102 |
| Equity capital to assets | 17.7620% | 637 |
| Core capital (leverage) ratio | 17.5420% | 598 |
| Tier 1 risk-based capital ratio | 25.8852% | 901 |
| Total risk-based capital ratio | 27.1388% | 880 |
| Memoranda: | ||
| Average total assets | $56,531,000 | 6,606 |
| Average earning assets | $53,455,500 | 6,525 |
| Average equity | $10,020,000 | 5,379 |
| Average total loans | $40,804,000 | 6,203 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3251% | 567 |
| Cost of funding earning assets | 2.6112% | 3,629 |
| Net interest margin | 4.7139% | 946 |
| Noninterest income to average assets | 1.3124% | 848 |
| Noninterest expense to average assets | 2.4075% | 6,365 |
| Loan and lease loss provision to assets | 0.3052% | 3,932 |
| Net operating income to assets | 3.0250% | 68 |
| Return on assets (ROA) | 3.0250% | 66 |
| Pretax return on assets | 3.0430% | 95 |
| Return on Equity (ROE) | 17.8723% | 533 |
| Retained earnings to average equity (ytd only) | 9.0687% | 596 |
| Net charge-offs to loans | 0.4121% | 2,752 |
| Credit loss provision to net charge-offs | 101.7964% | 5,233 |
| Earnings coverage of net charge-offs (x) | 11.1677% | 2,402 |
| Efficiency ratio | 41.8278% | 8,074 |
| Assets per employee ($millions) | 3.1112% | 5,744 |
| Cash dividends to net income (ytd only)* | 49.2582% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 5,800 |
| Loan loss allowance to noncurrent loans | 23.2495% | 7,091 |
| Noncurrent assets plus other real estate owned to assets | 3.7659% | 1,141 |
| Noncurrent loans to loans | 4.4175% | 1,083 |
| Net loans and leases to total assets | 73.1331% | 3,329 |
| Net loans and leases to deposits | 92.2308% | 3,092 |
| Net loans and leases to core deposits | 124.6834% | 2,275 |
| Total domestic deposits to total assets | 79.2936% | 5,267 |
| Equity capital to assets | 17.6869% | 693 |
| Core capital (leverage) ratio | 17.1997% | 675 |
| Tier 1 risk-based capital ratio | 24.7882% | 1,002 |
| Total risk-based capital ratio | 25.8729% | 995 |
| Memoranda: | ||
| Average total assets | $55,701,600 | 6,546 |
| Average earning assets | $52,504,400 | 6,484 |
| Average equity | $9,428,000 | 5,593 |
| Average total loans | $40,519,600 | 6,146 |