Home > The Garnavillo Savings Bank > Performance and Condition Ratios
The Garnavillo 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 | 4.9828% | 645 |
| Cost of funding earning assets | 0.6258% | 1,240 |
| Net interest margin | 4.3570% | 864 |
| Noninterest income to average assets | 0.2768% | 4,963 |
| Noninterest expense to average assets | 2.9894% | 2,556 |
| Loan and lease loss provision to assets | 0.7457% | 101 |
| Net operating income to assets | 0.7194% | 3,822 |
| Return on assets (ROA) | 0.8369% | 3,320 |
| Pretax return on assets | 0.8825% | 4,041 |
| Return on Equity (ROE) | 7.6946% | 3,236 |
| Retained earnings to average equity (ytd only) | -43.7123% | 6,248 |
| Net charge-offs to loans | 0.2954% | 901 |
| Credit loss provision to net charge-offs | 279.2683% | 1,032 |
| Earnings coverage of net charge-offs (x) | 5.6341% | 3,177 |
| Efficiency ratio | 66.5217% | 3,799 |
| Assets per employee ($millions) | 6.7518% | 967 |
| Cash dividends to net income (ytd only)* | 668.0908% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6318% | 1,669 |
| Loan loss allowance to noncurrent loans | 78.5244% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 1.8736% | 1,116 |
| Noncurrent loans to loans | 2.0780% | 1,105 |
| Net loans and leases to total assets | 88.6895% | 104 |
| Net loans and leases to deposits | 101.8713% | 553 |
| Net loans and leases to core deposits | 101.8713% | 1,390 |
| Total domestic deposits to total assets | 87.0603% | 2,006 |
| Equity capital to assets | 7.9954% | 5,955 |
| Core capital (leverage) ratio | 7.9657% | 5,924 |
| Tier 1 risk-based capital ratio | 9.2403% | 6,175 |
| Total risk-based capital ratio | 10.4955% | 6,159 |
| Memoranda: | ||
| Average total assets | $40,943,250 | 5,821 |
| Average earning assets | $39,628,750 | 5,763 |
| Average equity | $4,453,250 | 5,845 |
| Average total loans | $37,009,000 | 5,172 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4538% | 1,683 |
| Cost of funding earning assets | 0.6844% | 915 |
| Net interest margin | 3.7694% | 2,443 |
| Noninterest income to average assets | 0.3213% | 4,652 |
| Noninterest expense to average assets | 2.2927% | 4,863 |
| Loan and lease loss provision to assets | 0.5841% | 158 |
| Net operating income to assets | 1.0368% | 2,193 |
| Return on assets (ROA) | 1.0368% | 2,312 |
| Pretax return on assets | 1.0904% | 3,214 |
| Return on Equity (ROE) | 8.7690% | 2,674 |
| Retained earnings to average equity (ytd only) | 6.0930% | 2,176 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7914% | 5,243 |
| Assets per employee ($millions) | 6.6647% | 976 |
| Cash dividends to net income (ytd only)* | 30.5164% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5664% | 2,030 |
| Loan loss allowance to noncurrent loans | 34.8866% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 4.6614% | 252 |
| Noncurrent loans to loans | 4.4900% | 301 |
| Net loans and leases to total assets | 89.4168% | 86 |
| Net loans and leases to deposits | 108.1254% | 301 |
| Net loans and leases to core deposits | 108.1254% | 944 |
| Total domestic deposits to total assets | 82.6973% | 4,062 |
| Equity capital to assets | 12.2412% | 1,844 |
| Core capital (leverage) ratio | 11.9260% | 1,703 |
| Tier 1 risk-based capital ratio | 14.3030% | 3,760 |
| Total risk-based capital ratio | 15.5574% | 3,677 |
| Memoranda: | ||
| Average total assets | $41,087,330 | 5,880 |
| Average earning assets | $39,741,000 | 5,821 |
| Average equity | $4,858,000 | 5,816 |
| Average total loans | $37,170,330 | 5,212 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3031% | 2,096 |
| Cost of funding earning assets | 0.4969% | 2,313 |
| Net interest margin | 3.8062% | 2,208 |
| Noninterest income to average assets | 0.2978% | 4,789 |
| Noninterest expense to average assets | 2.2000% | 5,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6908% | 603 |
| Return on assets (ROA) | 1.6908% | 630 |
| Pretax return on assets | 1.7773% | 902 |
| Return on Equity (ROE) | 14.5470% | 780 |
| Retained earnings to average equity (ytd only) | 12.0674% | 562 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3140% | 5,571 |
| Assets per employee ($millions) | 6.9125% | 885 |
| Cash dividends to net income (ytd only)* | 17.0455% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 4,007 |
| Loan loss allowance to noncurrent loans | 27.1135% | 5,599 |
| Noncurrent assets plus other real estate owned to assets | 4.5377% | 296 |
| Noncurrent loans to loans | 4.4108% | 361 |
| Net loans and leases to total assets | 89.4394% | 68 |
| Net loans and leases to deposits | 116.4971% | 129 |
| Net loans and leases to core deposits | 116.4971% | 510 |
| Total domestic deposits to total assets | 76.7740% | 5,649 |
| Equity capital to assets | 11.8457% | 2,154 |
| Core capital (leverage) ratio | 11.8377% | 1,748 |
| Tier 1 risk-based capital ratio | 13.7154% | 4,207 |
| Total risk-based capital ratio | 13.7154% | 4,844 |
| Memoranda: | ||
| Average total assets | $41,637,000 | 5,925 |
| Average earning assets | $40,250,500 | 5,857 |
| Average equity | $4,839,500 | 5,875 |
| Average total loans | $37,593,000 | 5,226 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4600% | 2,032 |
| Cost of funding earning assets | 0.6016% | 1,747 |
| Net interest margin | 3.8583% | 2,399 |
| Noninterest income to average assets | 0.4286% | 3,980 |
| Noninterest expense to average assets | 2.5111% | 4,509 |
| Loan and lease loss provision to assets | 0.4160% | 419 |
| Net operating income to assets | 1.1598% | 1,722 |
| Return on assets (ROA) | 1.1598% | 1,794 |
| Pretax return on assets | 1.2203% | 2,568 |
| Return on Equity (ROE) | 10.1255% | 2,057 |
| Retained earnings to average equity (ytd only) | 9.7953% | 549 |
| Net charge-offs to loans | 0.4896% | 846 |
| Credit loss provision to net charge-offs | 100.6098% | 2,374 |
| Earnings coverage of net charge-offs (x) | 3.9573% | 3,776 |
| Efficiency ratio | 60.5471% | 5,138 |
| Assets per employee ($millions) | 6.9665% | 859 |
| Cash dividends to net income (ytd only)* | 3.2609% | 4,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 4,045 |
| Loan loss allowance to noncurrent loans | 41.4589% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 3.1317% | 626 |
| Noncurrent loans to loans | 2.8771% | 799 |
| Net loans and leases to total assets | 88.9806% | 87 |
| Net loans and leases to deposits | 113.6810% | 169 |
| Net loans and leases to core deposits | 113.6810% | 618 |
| Total domestic deposits to total assets | 78.2722% | 5,383 |
| Equity capital to assets | 11.4022% | 2,516 |
| Core capital (leverage) ratio | 11.6420% | 1,873 |
| Tier 1 risk-based capital ratio | 12.8829% | 4,804 |
| Total risk-based capital ratio | 14.1141% | 4,730 |
| Memoranda: | ||
| Average total assets | $39,663,400 | 6,041 |
| Average earning assets | $38,228,800 | 5,976 |
| Average equity | $4,543,000 | 5,978 |
| Average total loans | $33,494,200 | 5,422 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5189% | 1,805 |
| Cost of funding earning assets | 0.6370% | 1,547 |
| Net interest margin | 3.8819% | 2,317 |
| Noninterest income to average assets | 0.4021% | 4,230 |
| Noninterest expense to average assets | 2.4670% | 4,628 |
| Loan and lease loss provision to assets | 0.3407% | 527 |
| Net operating income to assets | 1.2676% | 1,467 |
| Return on assets (ROA) | 1.2676% | 1,527 |
| Pretax return on assets | 1.3323% | 2,266 |
| Return on Equity (ROE) | 11.0533% | 1,770 |
| Retained earnings to average equity (ytd only) | 10.6076% | 570 |
| Net charge-offs to loans | 0.0287% | 3,909 |
| Credit loss provision to net charge-offs | 1,428.5714% | 248 |
| Earnings coverage of net charge-offs (x) | 70.1661% | 779 |
| Efficiency ratio | 59.5885% | 5,246 |
| Assets per employee ($millions) | 6.6622% | 937 |
| Cash dividends to net income (ytd only)* | 4.0323% | 3,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5687% | 2,419 |
| Loan loss allowance to noncurrent loans | 54.7017% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 3.0396% | 770 |
| Noncurrent loans to loans | 2.8677% | 948 |
| Net loans and leases to total assets | 84.9223% | 266 |
| Net loans and leases to deposits | 102.6800% | 470 |
| Net loans and leases to core deposits | 102.6800% | 1,176 |
| Total domestic deposits to total assets | 82.7058% | 4,233 |
| Equity capital to assets | 11.7304% | 2,285 |
| Core capital (leverage) ratio | 11.5701% | 2,002 |
| Tier 1 risk-based capital ratio | 14.0888% | 4,153 |
| Total risk-based capital ratio | 15.3449% | 4,087 |
| Memoranda: | ||
| Average total assets | $39,129,500 | 6,136 |
| Average earning assets | $37,677,750 | 6,066 |
| Average equity | $4,487,250 | 6,057 |
| Average total loans | $32,457,250 | 5,515 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5303% | 1,736 |
| Cost of funding earning assets | 0.6678% | 1,395 |
| Net interest margin | 3.8625% | 2,317 |
| Noninterest income to average assets | 0.3861% | 4,352 |
| Noninterest expense to average assets | 2.4094% | 4,853 |
| Loan and lease loss provision to assets | 0.5148% | 284 |
| Net operating income to assets | 1.1275% | 1,830 |
| Return on assets (ROA) | 1.1275% | 1,922 |
| Pretax return on assets | 1.1841% | 2,743 |
| Return on Equity (ROE) | 9.9095% | 2,187 |
| Retained earnings to average equity (ytd only) | 9.2308% | 906 |
| Net charge-offs to loans | 0.0441% | 3,350 |
| Credit loss provision to net charge-offs | 1,428.5714% | 253 |
| Earnings coverage of net charge-offs (x) | 47.1429% | 948 |
| Efficiency ratio | 58.6466% | 5,475 |
| Assets per employee ($millions) | 6.5525% | 982 |
| Cash dividends to net income (ytd only)* | 6.8493% | 3,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6424% | 2,317 |
| Loan loss allowance to noncurrent loans | 61.1299% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 2.8259% | 922 |
| Noncurrent loans to loans | 2.6867% | 1,127 |
| Net loans and leases to total assets | 82.4087% | 429 |
| Net loans and leases to deposits | 97.3323% | 714 |
| Net loans and leases to core deposits | 97.3323% | 1,492 |
| Total domestic deposits to total assets | 84.6674% | 3,651 |
| Equity capital to assets | 11.5732% | 2,353 |
| Core capital (leverage) ratio | 11.5269% | 1,980 |
| Tier 1 risk-based capital ratio | 14.2775% | 4,077 |
| Total risk-based capital ratio | 15.5332% | 4,011 |
| Memoranda: | ||
| Average total assets | $38,848,330 | 6,198 |
| Average earning assets | $37,436,670 | 6,128 |
| Average equity | $4,420,000 | 6,113 |
| Average total loans | $31,780,670 | 5,588 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3334% | 2,396 |
| Cost of funding earning assets | 0.6882% | 1,321 |
| Net interest margin | 3.6453% | 3,079 |
| Noninterest income to average assets | 0.4661% | 3,664 |
| Noninterest expense to average assets | 2.4964% | 4,634 |
| Loan and lease loss provision to assets | 0.6215% | 208 |
| Net operating income to assets | 0.8287% | 3,011 |
| Return on assets (ROA) | 0.8287% | 3,081 |
| Pretax return on assets | 0.8598% | 3,863 |
| Return on Equity (ROE) | 7.3479% | 3,288 |
| Retained earnings to average equity (ytd only) | 7.3479% | 1,883 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7604% | 5,027 |
| Assets per employee ($millions) | 6.4917% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6452% | 2,528 |
| Loan loss allowance to noncurrent loans | 38.2818% | 5,619 |
| Noncurrent assets plus other real estate owned to assets | 4.0103% | 583 |
| Noncurrent loans to loans | 4.2977% | 597 |
| Net loans and leases to total assets | 77.9692% | 773 |
| Net loans and leases to deposits | 87.9674% | 1,364 |
| Net loans and leases to core deposits | 87.9674% | 2,100 |
| Total domestic deposits to total assets | 88.6341% | 1,873 |
| Equity capital to assets | 11.2965% | 2,432 |
| Core capital (leverage) ratio | 11.5605% | 1,926 |
| Tier 1 risk-based capital ratio | 14.8436% | 3,787 |
| Total risk-based capital ratio | 16.1009% | 3,742 |
| Memoranda: | ||
| Average total assets | $38,615,000 | 6,269 |
| Average earning assets | $37,199,000 | 6,196 |
| Average equity | $4,355,000 | 6,170 |
| Average total loans | $31,201,000 | 5,666 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6077% | 1,849 |
| Cost of funding earning assets | 0.7766% | 1,340 |
| Net interest margin | 3.8311% | 2,533 |
| Noninterest income to average assets | 0.4714% | 3,952 |
| Noninterest expense to average assets | 3.3205% | 2,090 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7804% | 3,390 |
| Return on assets (ROA) | 0.7804% | 3,497 |
| Pretax return on assets | 0.8197% | 4,075 |
| Return on Equity (ROE) | 6.9668% | 3,573 |
| Retained earnings to average equity (ytd only) | 5.7044% | 2,158 |
| Net charge-offs to loans | 0.0865% | 3,995 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 12.0385% | 2,176 |
| Efficiency ratio | 80.2024% | 2,121 |
| Assets per employee ($millions) | 5.4686% | 1,680 |
| Cash dividends to net income (ytd only)* | 18.1208% | 3,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 3,547 |
| Loan loss allowance to noncurrent loans | 55.7214% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 2.7011% | 1,240 |
| Noncurrent loans to loans | 2.5504% | 1,473 |
| Net loans and leases to total assets | 81.1834% | 478 |
| Net loans and leases to deposits | 91.5699% | 1,102 |
| Net loans and leases to core deposits | 91.5699% | 1,838 |
| Total domestic deposits to total assets | 88.6573% | 1,822 |
| Equity capital to assets | 11.2591% | 2,376 |
| Core capital (leverage) ratio | 11.1889% | 2,207 |
| Tier 1 risk-based capital ratio | 14.1029% | 4,224 |
| Total risk-based capital ratio | 15.3563% | 4,168 |
| Memoranda: | ||
| Average total assets | $38,187,000 | 6,339 |
| Average earning assets | $36,569,600 | 6,267 |
| Average equity | $4,277,400 | 6,269 |
| Average total loans | $30,052,000 | 5,763 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6061% | 1,882 |
| Cost of funding earning assets | 0.7823% | 1,417 |
| Net interest margin | 3.8238% | 2,559 |
| Noninterest income to average assets | 0.4821% | 3,923 |
| Noninterest expense to average assets | 2.6691% | 4,133 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3975% | 1,109 |
| Return on assets (ROA) | 1.3975% | 1,154 |
| Pretax return on assets | 1.4673% | 1,707 |
| Return on Equity (ROE) | 12.4921% | 1,354 |
| Retained earnings to average equity (ytd only) | 10.8056% | 617 |
| Net charge-offs to loans | -0.0045% | 5,770 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5270% | 4,717 |
| Assets per employee ($millions) | 6.3812% | 983 |
| Cash dividends to net income (ytd only)* | 13.5003% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6043% | 2,985 |
| Loan loss allowance to noncurrent loans | 66.7135% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 2.4604% | 1,573 |
| Noncurrent loans to loans | 2.4048% | 1,824 |
| Net loans and leases to total assets | 76.0911% | 994 |
| Net loans and leases to deposits | 89.7864% | 1,190 |
| Net loans and leases to core deposits | 89.7864% | 1,990 |
| Total domestic deposits to total assets | 84.7468% | 3,862 |
| Equity capital to assets | 11.5261% | 2,284 |
| Core capital (leverage) ratio | 11.1985% | 2,308 |
| Tier 1 risk-based capital ratio | 15.2920% | 3,572 |
| Total risk-based capital ratio | 16.5455% | 3,524 |
| Memoranda: | ||
| Average total assets | $38,163,750 | 6,410 |
| Average earning assets | $36,472,750 | 6,343 |
| Average equity | $4,269,250 | 6,344 |
| Average total loans | $29,683,750 | 5,834 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6236% | 1,771 |
| Cost of funding earning assets | 0.7917% | 1,457 |
| Net interest margin | 3.8320% | 2,440 |
| Noninterest income to average assets | 0.5141% | 3,749 |
| Noninterest expense to average assets | 2.7333% | 3,916 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3693% | 1,143 |
| Return on assets (ROA) | 1.3693% | 1,225 |
| Pretax return on assets | 1.4375% | 1,808 |
| Return on Equity (ROE) | 12.3658% | 1,384 |
| Retained earnings to average equity (ytd only) | 9.8073% | 890 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5346% | 4,627 |
| Assets per employee ($millions) | 5.3709% | 1,729 |
| Cash dividends to net income (ytd only)* | 20.6897% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6064% | 3,135 |
| Loan loss allowance to noncurrent loans | 51.2987% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 3.0695% | 1,317 |
| Noncurrent loans to loans | 3.1315% | 1,411 |
| Net loans and leases to total assets | 77.2236% | 837 |
| Net loans and leases to deposits | 87.2150% | 1,438 |
| Net loans and leases to core deposits | 87.2150% | 2,204 |
| Total domestic deposits to total assets | 88.5440% | 1,892 |
| Equity capital to assets | 11.3337% | 2,435 |
| Core capital (leverage) ratio | 11.1422% | 2,221 |
| Tier 1 risk-based capital ratio | 14.9255% | 3,827 |
| Total risk-based capital ratio | 16.1822% | 3,788 |
| Memoranda: | ||
| Average total assets | $38,122,670 | 6,451 |
| Average earning assets | $36,378,330 | 6,385 |
| Average equity | $4,221,330 | 6,403 |
| Average total loans | $29,709,000 | 5,857 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5086% | 2,137 |
| Cost of funding earning assets | 0.7898% | 1,586 |
| Net interest margin | 3.7187% | 2,780 |
| Noninterest income to average assets | 0.5002% | 3,766 |
| Noninterest expense to average assets | 2.8448% | 3,559 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1358% | 1,728 |
| Return on assets (ROA) | 1.1358% | 1,845 |
| Pretax return on assets | 1.1879% | 2,620 |
| Return on Equity (ROE) | 10.3772% | 1,918 |
| Retained earnings to average equity (ytd only) | 10.3772% | 1,014 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5426% | 3,884 |
| Assets per employee ($millions) | 4.6845% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5885% | 3,447 |
| Loan loss allowance to noncurrent loans | 73.0354% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 2.3375% | 1,986 |
| Noncurrent loans to loans | 2.1750% | 2,418 |
| Net loans and leases to total assets | 78.3568% | 577 |
| Net loans and leases to deposits | 89.1361% | 1,036 |
| Net loans and leases to core deposits | 89.1361% | 1,786 |
| Total domestic deposits to total assets | 87.9069% | 2,379 |
| Equity capital to assets | 11.3566% | 2,573 |
| Core capital (leverage) ratio | 10.9124% | 2,339 |
| Tier 1 risk-based capital ratio | 14.2961% | 4,290 |
| Total risk-based capital ratio | 15.5494% | 4,256 |
| Memoranda: | ||
| Average total assets | $38,386,000 | 6,503 |
| Average earning assets | $36,464,000 | 6,448 |
| Average equity | $4,201,500 | 6,466 |
| Average total loans | $29,810,000 | 5,903 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0140% | 1,523 |
| Cost of funding earning assets | 0.9043% | 1,910 |
| Net interest margin | 4.1097% | 1,965 |
| Noninterest income to average assets | 0.4524% | 4,233 |
| Noninterest expense to average assets | 2.9155% | 3,578 |
| Loan and lease loss provision to assets | 0.1058% | 4,317 |
| Net operating income to assets | 1.2699% | 1,396 |
| Return on assets (ROA) | 1.2699% | 1,547 |
| Pretax return on assets | 1.3387% | 2,262 |
| Return on Equity (ROE) | 12.2032% | 1,447 |
| Retained earnings to average equity (ytd only) | 12.2032% | 306 |
| Net charge-offs to loans | -0.0685% | 6,767 |
| Credit loss provision to net charge-offs | -200.0000% | 6,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8689% | 4,350 |
| Assets per employee ($millions) | 4.9120% | 2,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5916% | 3,362 |
| Loan loss allowance to noncurrent loans | 82.0069% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 2.0511% | 2,389 |
| Noncurrent loans to loans | 1.9408% | 2,756 |
| Net loans and leases to total assets | 74.5801% | 1,115 |
| Net loans and leases to deposits | 83.5052% | 1,815 |
| Net loans and leases to core deposits | 83.5052% | 2,605 |
| Total domestic deposits to total assets | 89.3119% | 1,364 |
| Equity capital to assets | 10.5532% | 3,463 |
| Core capital (leverage) ratio | 10.4203% | 2,858 |
| Tier 1 risk-based capital ratio | 13.8749% | 4,469 |
| Total risk-based capital ratio | 15.1312% | 4,428 |
| Memoranda: | ||
| Average total assets | $37,797,800 | 6,560 |
| Average earning assets | $35,939,600 | 6,503 |
| Average equity | $3,933,400 | 6,581 |
| Average total loans | $29,217,600 | 5,987 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1260% | 1,363 |
| Cost of funding earning assets | 0.9327% | 1,964 |
| Net interest margin | 4.1933% | 1,758 |
| Noninterest income to average assets | 0.4738% | 4,112 |
| Noninterest expense to average assets | 2.8324% | 3,864 |
| Loan and lease loss provision to assets | 0.1425% | 3,752 |
| Net operating income to assets | 1.4287% | 1,162 |
| Return on assets (ROA) | 1.4287% | 1,283 |
| Pretax return on assets | 1.5035% | 1,868 |
| Return on Equity (ROE) | 13.7796% | 1,156 |
| Retained earnings to average equity (ytd only) | 13.7796% | 319 |
| Net charge-offs to loans | -0.0917% | 6,834 |
| Credit loss provision to net charge-offs | -200.0000% | 6,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2458% | 4,937 |
| Assets per employee ($millions) | 4.6246% | 2,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6979% | 3,160 |
| Loan loss allowance to noncurrent loans | 53.5593% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 2.3921% | 2,228 |
| Noncurrent loans to loans | 3.1701% | 1,746 |
| Net loans and leases to total assets | 74.1763% | 1,225 |
| Net loans and leases to deposits | 83.5327% | 1,925 |
| Net loans and leases to core deposits | 83.5327% | 2,754 |
| Total domestic deposits to total assets | 88.7991% | 1,536 |
| Equity capital to assets | 11.0441% | 3,216 |
| Core capital (leverage) ratio | 10.4430% | 2,986 |
| Tier 1 risk-based capital ratio | 14.5432% | 4,156 |
| Total risk-based capital ratio | 15.7977% | 4,117 |
| Memoranda: | ||
| Average total assets | $37,423,250 | 6,653 |
| Average earning assets | $35,738,500 | 6,591 |
| Average equity | $3,880,000 | 6,676 |
| Average total loans | $29,076,750 | 6,067 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1609% | 1,349 |
| Cost of funding earning assets | 0.9561% | 2,026 |
| Net interest margin | 4.2048% | 1,737 |
| Noninterest income to average assets | 0.5005% | 3,920 |
| Noninterest expense to average assets | 2.7632% | 4,164 |
| Loan and lease loss provision to assets | 0.2130% | 2,946 |
| Net operating income to assets | 1.4535% | 1,077 |
| Return on assets (ROA) | 1.4535% | 1,210 |
| Pretax return on assets | 1.5280% | 1,784 |
| Return on Equity (ROE) | 14.3257% | 1,044 |
| Retained earnings to average equity (ytd only) | 14.3257% | 321 |
| Net charge-offs to loans | 0.2512% | 3,071 |
| Credit loss provision to net charge-offs | 108.1081% | 2,518 |
| Earnings coverage of net charge-offs (x) | 8.8378% | 2,240 |
| Efficiency ratio | 61.3475% | 5,359 |
| Assets per employee ($millions) | 6.2705% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5368% | 3,841 |
| Loan loss allowance to noncurrent loans | 37.6694% | 5,773 |
| Noncurrent assets plus other real estate owned to assets | 2.9423% | 1,875 |
| Noncurrent loans to loans | 4.0796% | 1,344 |
| Net loans and leases to total assets | 71.0151% | 1,733 |
| Net loans and leases to deposits | 79.4871% | 2,455 |
| Net loans and leases to core deposits | 79.4871% | 3,292 |
| Total domestic deposits to total assets | 89.3416% | 1,305 |
| Equity capital to assets | 10.5069% | 3,682 |
| Core capital (leverage) ratio | 10.1598% | 3,191 |
| Tier 1 risk-based capital ratio | 14.2857% | 4,249 |
| Total risk-based capital ratio | 15.5410% | 4,208 |
| Memoranda: | ||
| Average total assets | $37,565,330 | 6,695 |
| Average earning assets | $35,769,000 | 6,629 |
| Average equity | $3,811,330 | 6,727 |
| Average total loans | $29,463,330 | 6,091 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3583% | 992 |
| Cost of funding earning assets | 0.9998% | 1,989 |
| Net interest margin | 4.3585% | 1,317 |
| Noninterest income to average assets | 0.5861% | 3,321 |
| Noninterest expense to average assets | 2.8985% | 3,629 |
| Loan and lease loss provision to assets | 0.4263% | 1,471 |
| Net operating income to assets | 1.3107% | 1,431 |
| Return on assets (ROA) | 1.3107% | 1,595 |
| Pretax return on assets | 1.3960% | 2,204 |
| Return on Equity (ROE) | 13.1533% | 1,367 |
| Retained earnings to average equity (ytd only) | 13.1533% | 663 |
| Net charge-offs to loans | 0.5224% | 1,782 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 4.2750% | 2,611 |
| Efficiency ratio | 61.3995% | 5,383 |
| Assets per employee ($millions) | 6.1930% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3097% | 4,975 |
| Loan loss allowance to noncurrent loans | 38.0515% | 5,731 |
| Noncurrent assets plus other real estate owned to assets | 3.4125% | 1,685 |
| Noncurrent loans to loans | 3.4419% | 1,814 |
| Net loans and leases to total assets | 83.9550% | 186 |
| Net loans and leases to deposits | 94.2335% | 645 |
| Net loans and leases to core deposits | 94.2335% | 1,449 |
| Total domestic deposits to total assets | 89.0925% | 1,644 |
| Equity capital to assets | 10.2374% | 3,804 |
| Core capital (leverage) ratio | 9.7906% | 3,655 |
| Tier 1 risk-based capital ratio | 12.5580% | 5,560 |
| Total risk-based capital ratio | 13.8097% | 5,526 |
| Memoranda: | ||
| Average total assets | $37,536,500 | 6,750 |
| Average earning assets | $35,608,500 | 6,686 |
| Average equity | $3,740,500 | 6,788 |
| Average total loans | $30,627,500 | 6,081 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4103% | 1,393 |
| Cost of funding earning assets | 1.0991% | 2,680 |
| Net interest margin | 4.3111% | 1,665 |
| Noninterest income to average assets | 0.3750% | 4,827 |
| Noninterest expense to average assets | 2.8568% | 4,142 |
| Loan and lease loss provision to assets | 0.3854% | 2,679 |
| Net operating income to assets | 1.1485% | 1,674 |
| Return on assets (ROA) | 1.1485% | 1,785 |
| Pretax return on assets | 1.2084% | 2,432 |
| Return on Equity (ROE) | 12.7398% | 1,220 |
| Retained earnings to average equity (ytd only) | 9.1287% | 768 |
| Net charge-offs to loans | 0.9685% | 1,778 |
| Credit loss provision to net charge-offs | 48.6842% | 5,451 |
| Earnings coverage of net charge-offs (x) | 2.0132% | 4,270 |
| Efficiency ratio | 64.1896% | 5,095 |
| Assets per employee ($millions) | 6.3192% | 1,047 |
| Cash dividends to net income (ytd only)* | 28.3447% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 4,477 |
| Loan loss allowance to noncurrent loans | 59.5683% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 2.3078% | 2,614 |
| Noncurrent loans to loans | 2.3444% | 2,800 |
| Net loans and leases to total assets | 77.0961% | 813 |
| Net loans and leases to deposits | 86.0393% | 1,664 |
| Net loans and leases to core deposits | 86.0393% | 2,629 |
| Total domestic deposits to total assets | 89.6057% | 1,200 |
| Equity capital to assets | 9.6980% | 4,598 |
| Core capital (leverage) ratio | 9.0436% | 4,702 |
| Tier 1 risk-based capital ratio | 12.4965% | 5,453 |
| Total risk-based capital ratio | 13.7504% | 5,431 |
| Memoranda: | ||
| Average total assets | $38,399,000 | 6,729 |
| Average earning assets | $36,301,400 | 6,667 |
| Average equity | $3,461,600 | 6,887 |
| Average total loans | $31,389,800 | 6,101 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4728% | 1,325 |
| Cost of funding earning assets | 1.1077% | 2,925 |
| Net interest margin | 4.3651% | 1,509 |
| Noninterest income to average assets | 0.3600% | 4,988 |
| Noninterest expense to average assets | 2.9733% | 3,660 |
| Loan and lease loss provision to assets | 0.5123% | 1,933 |
| Net operating income to assets | 0.9588% | 2,489 |
| Return on assets (ROA) | 0.9588% | 2,658 |
| Pretax return on assets | 1.0072% | 3,370 |
| Return on Equity (ROE) | 10.8376% | 1,919 |
| Retained earnings to average equity (ytd only) | 10.8376% | 657 |
| Net charge-offs to loans | 1.2317% | 1,258 |
| Credit loss provision to net charge-offs | 50.3401% | 5,029 |
| Earnings coverage of net charge-offs (x) | 1.4932% | 4,518 |
| Efficiency ratio | 66.1787% | 4,686 |
| Assets per employee ($millions) | 5.4437% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3219% | 4,908 |
| Loan loss allowance to noncurrent loans | 51.3939% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 2.6374% | 2,454 |
| Noncurrent loans to loans | 2.5722% | 2,696 |
| Net loans and leases to total assets | 83.0578% | 285 |
| Net loans and leases to deposits | 91.9711% | 1,014 |
| Net loans and leases to core deposits | 91.9711% | 1,995 |
| Total domestic deposits to total assets | 90.3086% | 716 |
| Equity capital to assets | 9.5628% | 4,987 |
| Core capital (leverage) ratio | 9.3306% | 4,411 |
| Tier 1 risk-based capital ratio | 11.7264% | 6,082 |
| Total risk-based capital ratio | 12.9796% | 6,079 |
| Memoranda: | ||
| Average total assets | $38,520,000 | 6,776 |
| Average earning assets | $36,470,250 | 6,718 |
| Average equity | $3,407,750 | 6,964 |
| Average total loans | $31,826,000 | 6,145 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3872% | 1,604 |
| Cost of funding earning assets | 1.1169% | 3,112 |
| Net interest margin | 4.2703% | 1,762 |
| Noninterest income to average assets | 0.3311% | 5,244 |
| Noninterest expense to average assets | 3.1507% | 3,078 |
| Loan and lease loss provision to assets | 0.7657% | 1,214 |
| Net operating income to assets | 0.4346% | 4,796 |
| Return on assets (ROA) | 0.4346% | 4,938 |
| Pretax return on assets | 0.4501% | 5,230 |
| Return on Equity (ROE) | 5.0466% | 4,427 |
| Retained earnings to average equity (ytd only) | 5.0466% | 2,975 |
| Net charge-offs to loans | 1.7137% | 835 |
| Credit loss provision to net charge-offs | 54.4118% | 4,472 |
| Earnings coverage of net charge-offs (x) | 0.8640% | 4,648 |
| Efficiency ratio | 72.1564% | 3,703 |
| Assets per employee ($millions) | 5.2559% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 4,542 |
| Loan loss allowance to noncurrent loans | 59.7055% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 2.9273% | 2,292 |
| Noncurrent loans to loans | 2.3536% | 3,040 |
| Net loans and leases to total assets | 85.0561% | 178 |
| Net loans and leases to deposits | 95.1010% | 795 |
| Net loans and leases to core deposits | 95.1010% | 1,777 |
| Total domestic deposits to total assets | 89.4376% | 1,272 |
| Equity capital to assets | 9.2849% | 5,161 |
| Core capital (leverage) ratio | 8.6357% | 5,335 |
| Tier 1 risk-based capital ratio | 11.2877% | 6,326 |
| Total risk-based capital ratio | 12.5411% | 6,319 |
| Memoranda: | ||
| Average total assets | $38,658,000 | 6,833 |
| Average earning assets | $36,531,000 | 6,779 |
| Average equity | $3,329,000 | 7,035 |
| Average total loans | $31,743,330 | 6,216 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3995% | 1,556 |
| Cost of funding earning assets | 1.1186% | 3,391 |
| Net interest margin | 4.2809% | 1,620 |
| Noninterest income to average assets | 0.3536% | 5,069 |
| Noninterest expense to average assets | 2.6672% | 4,972 |
| Loan and lease loss provision to assets | 1.4953% | 430 |
| Net operating income to assets | 0.1920% | 5,806 |
| Return on assets (ROA) | 0.1920% | 5,867 |
| Pretax return on assets | 0.2122% | 5,910 |
| Return on Equity (ROE) | 2.3132% | 5,680 |
| Retained earnings to average equity (ytd only) | 2.3132% | 4,764 |
| Net charge-offs to loans | 3.3517% | 303 |
| Credit loss provision to net charge-offs | 55.6391% | 3,634 |
| Earnings coverage of net charge-offs (x) | 0.6353% | 4,150 |
| Efficiency ratio | 60.9700% | 5,837 |
| Assets per employee ($millions) | 5.6403% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4293% | 4,525 |
| Loan loss allowance to noncurrent loans | 52.1338% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 4.3716% | 1,492 |
| Noncurrent loans to loans | 2.7416% | 2,758 |
| Net loans and leases to total assets | 78.9524% | 625 |
| Net loans and leases to deposits | 86.3036% | 1,679 |
| Net loans and leases to core deposits | 86.3036% | 2,830 |
| Total domestic deposits to total assets | 91.4822% | 420 |
| Equity capital to assets | 8.3785% | 6,075 |
| Core capital (leverage) ratio | 8.2151% | 5,953 |
| Tier 1 risk-based capital ratio | 10.6670% | 6,712 |
| Total risk-based capital ratio | 11.9212% | 6,692 |
| Memoranda: | ||
| Average total assets | $39,591,500 | 6,846 |
| Average earning assets | $37,188,500 | 6,797 |
| Average equity | $3,285,500 | 7,086 |
| Average total loans | $31,745,500 | 6,256 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6824% | 1,633 |
| Cost of funding earning assets | 1.3010% | 3,876 |
| Net interest margin | 4.3814% | 1,549 |
| Noninterest income to average assets | 0.3260% | 5,453 |
| Noninterest expense to average assets | 2.7535% | 4,771 |
| Loan and lease loss provision to assets | 1.2099% | 1,288 |
| Net operating income to assets | 0.4891% | 4,154 |
| Return on assets (ROA) | 0.4891% | 4,309 |
| Pretax return on assets | 0.5145% | 4,566 |
| Return on Equity (ROE) | 6.0921% | 3,573 |
| Retained earnings to average equity (ytd only) | 6.0921% | 1,769 |
| Net charge-offs to loans | 1.1386% | 1,960 |
| Credit loss provision to net charge-offs | 135.7143% | 2,851 |
| Earnings coverage of net charge-offs (x) | 1.9343% | 4,277 |
| Efficiency ratio | 61.4903% | 5,813 |
| Assets per employee ($millions) | 4.9626% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7887% | 2,898 |
| Loan loss allowance to noncurrent loans | 66.2021% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 4.0276% | 1,687 |
| Noncurrent loans to loans | 2.7019% | 2,816 |
| Net loans and leases to total assets | 78.8318% | 830 |
| Net loans and leases to deposits | 86.0304% | 2,092 |
| Net loans and leases to core deposits | 86.6257% | 3,237 |
| Total domestic deposits to total assets | 91.6325% | 362 |
| Equity capital to assets | 8.2189% | 6,238 |
| Core capital (leverage) ratio | 8.0941% | 6,030 |
| Tier 1 risk-based capital ratio | 10.9966% | 6,326 |
| Total risk-based capital ratio | 12.2565% | 6,295 |
| Memoranda: | ||
| Average total assets | $39,258,600 | 6,890 |
| Average earning assets | $37,202,600 | 6,833 |
| Average equity | $3,151,600 | 7,233 |
| Average total loans | $30,740,600 | 6,361 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6637% | 1,833 |
| Cost of funding earning assets | 1.3271% | 4,059 |
| Net interest margin | 4.3365% | 1,727 |
| Noninterest income to average assets | 0.3270% | 5,544 |
| Noninterest expense to average assets | 2.7655% | 4,621 |
| Loan and lease loss provision to assets | 1.6178% | 797 |
| Net operating income to assets | 0.0579% | 5,868 |
| Return on assets (ROA) | 0.0579% | 6,003 |
| Pretax return on assets | 0.0613% | 5,987 |
| Return on Equity (ROE) | 0.7257% | 5,963 |
| Retained earnings to average equity (ytd only) | 0.7257% | 5,512 |
| Net charge-offs to loans | 1.7203% | 1,133 |
| Credit loss provision to net charge-offs | 120.8651% | 3,408 |
| Earnings coverage of net charge-offs (x) | 1.2545% | 4,814 |
| Efficiency ratio | 62.2222% | 5,585 |
| Assets per employee ($millions) | 5.0124% | 2,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6875% | 3,188 |
| Loan loss allowance to noncurrent loans | 55.8855% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 4.2694% | 1,601 |
| Noncurrent loans to loans | 3.0195% | 2,641 |
| Net loans and leases to total assets | 76.5680% | 1,299 |
| Net loans and leases to deposits | 83.3709% | 2,815 |
| Net loans and leases to core deposits | 83.9453% | 3,944 |
| Total domestic deposits to total assets | 91.8402% | 219 |
| Equity capital to assets | 7.9778% | 6,816 |
| Core capital (leverage) ratio | 7.7960% | 6,574 |
| Tier 1 risk-based capital ratio | 10.0503% | 7,037 |
| Total risk-based capital ratio | 11.3045% | 7,020 |
| Memoranda: | ||
| Average total assets | $39,148,000 | 6,975 |
| Average earning assets | $37,171,500 | 6,912 |
| Average equity | $3,123,750 | 7,326 |
| Average total loans | $30,459,000 | 6,455 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6947% | 1,788 |
| Cost of funding earning assets | 1.3453% | 4,212 |
| Net interest margin | 4.3494% | 1,592 |
| Noninterest income to average assets | 0.3245% | 5,556 |
| Noninterest expense to average assets | 2.8173% | 4,410 |
| Loan and lease loss provision to assets | 2.0602% | 599 |
| Net operating income to assets | -0.4738% | 6,624 |
| Return on assets (ROA) | -0.4738% | 6,663 |
| Pretax return on assets | -0.4069% | 6,517 |
| Return on Equity (ROE) | -5.9380% | 6,769 |
| Retained earnings to average equity (ytd only) | -5.9380% | 6,650 |
| Net charge-offs to loans | 0.0662% | 5,479 |
| Credit loss provision to net charge-offs | 4,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 32.1000% | 874 |
| Efficiency ratio | 63.0184% | 5,515 |
| Assets per employee ($millions) | 4.9574% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6444% | 1,139 |
| Loan loss allowance to noncurrent loans | 58.6376% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 3.5906% | 1,955 |
| Noncurrent loans to loans | 4.5098% | 1,612 |
| Net loans and leases to total assets | 77.5133% | 1,191 |
| Net loans and leases to deposits | 84.1159% | 2,854 |
| Net loans and leases to core deposits | 84.1159% | 4,127 |
| Total domestic deposits to total assets | 92.1506% | 198 |
| Equity capital to assets | 7.6553% | 7,019 |
| Core capital (leverage) ratio | 7.4595% | 6,862 |
| Tier 1 risk-based capital ratio | 9.9372% | 7,062 |
| Total risk-based capital ratio | 11.2065% | 7,026 |
| Memoranda: | ||
| Average total assets | $38,831,000 | 7,036 |
| Average earning assets | $37,016,670 | 6,967 |
| Average equity | $3,098,670 | 7,388 |
| Average total loans | $30,202,000 | 6,516 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8596% | 1,297 |
| Cost of funding earning assets | 1.3422% | 4,547 |
| Net interest margin | 4.5175% | 1,101 |
| Noninterest income to average assets | 0.4998% | 4,048 |
| Noninterest expense to average assets | 3.1757% | 2,953 |
| Loan and lease loss provision to assets | 0.8746% | 1,458 |
| Net operating income to assets | 0.7288% | 3,313 |
| Return on assets (ROA) | 0.7288% | 3,420 |
| Pretax return on assets | 0.7601% | 4,024 |
| Return on Equity (ROE) | 8.9457% | 2,509 |
| Retained earnings to average equity (ytd only) | 8.9457% | 1,411 |
| Net charge-offs to loans | 0.1897% | 3,785 |
| Credit loss provision to net charge-offs | 600.0000% | 717 |
| Earnings coverage of net charge-offs (x) | 11.2143% | 1,667 |
| Efficiency ratio | 66.0173% | 5,112 |
| Assets per employee ($millions) | 4.9163% | 2,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6522% | 3,241 |
| Loan loss allowance to noncurrent loans | 73.6767% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.7773% | 3,819 |
| Noncurrent loans to loans | 2.2425% | 3,467 |
| Net loans and leases to total assets | 77.9456% | 1,162 |
| Net loans and leases to deposits | 84.9809% | 2,774 |
| Net loans and leases to core deposits | 84.9809% | 4,057 |
| Total domestic deposits to total assets | 91.7213% | 316 |
| Equity capital to assets | 8.0778% | 6,572 |
| Core capital (leverage) ratio | 8.2742% | 5,790 |
| Tier 1 risk-based capital ratio | 10.4343% | 6,693 |
| Total risk-based capital ratio | 11.6904% | 6,691 |
| Memoranda: | ||
| Average total assets | $38,417,000 | 7,140 |
| Average earning assets | $36,657,500 | 7,073 |
| Average equity | $3,130,000 | 7,455 |
| Average total loans | $29,515,000 | 6,629 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0909% | 1,542 |
| Cost of funding earning assets | 1.6484% | 4,803 |
| Net interest margin | 4.4425% | 1,308 |
| Noninterest income to average assets | 0.4357% | 4,909 |
| Noninterest expense to average assets | 3.0678% | 3,881 |
| Loan and lease loss provision to assets | 0.7558% | 2,844 |
| Net operating income to assets | 0.7944% | 2,556 |
| Return on assets (ROA) | 0.7944% | 2,646 |
| Pretax return on assets | 0.8299% | 3,154 |
| Return on Equity (ROE) | 9.0866% | 1,998 |
| Retained earnings to average equity (ytd only) | 5.5265% | 1,565 |
| Net charge-offs to loans | 0.3109% | 4,690 |
| Credit loss provision to net charge-offs | 335.5263% | 967 |
| Earnings coverage of net charge-offs (x) | 7.0395% | 2,235 |
| Efficiency ratio | 65.9236% | 5,406 |
| Assets per employee ($millions) | 4.6880% | 2,634 |
| Cash dividends to net income (ytd only)* | 39.1791% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5973% | 3,293 |
| Loan loss allowance to noncurrent loans | 76.4605% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.5518% | 4,049 |
| Noncurrent loans to loans | 2.0891% | 3,536 |
| Net loans and leases to total assets | 73.0962% | 2,482 |
| Net loans and leases to deposits | 79.8311% | 4,027 |
| Net loans and leases to core deposits | 93.5089% | 4,726 |
| Total domestic deposits to total assets | 91.5636% | 363 |
| Equity capital to assets | 8.2205% | 6,320 |
| Core capital (leverage) ratio | 8.2575% | 5,707 |
| Tier 1 risk-based capital ratio | 11.2188% | 5,694 |
| Total risk-based capital ratio | 12.4745% | 5,642 |
| Memoranda: | ||
| Average total assets | $33,737,600 | 7,339 |
| Average earning assets | $32,031,400 | 7,257 |
| Average equity | $2,949,400 | 7,603 |
| Average total loans | $24,442,400 | 6,947 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0537% | 1,824 |
| Cost of funding earning assets | 1.7137% | 4,830 |
| Net interest margin | 4.3400% | 1,617 |
| Noninterest income to average assets | 0.3171% | 5,943 |
| Noninterest expense to average assets | 2.9759% | 4,144 |
| Loan and lease loss provision to assets | 1.0367% | 1,851 |
| Net operating income to assets | 0.4025% | 4,394 |
| Return on assets (ROA) | 0.4025% | 4,495 |
| Pretax return on assets | 0.4228% | 4,732 |
| Return on Equity (ROE) | 4.5267% | 4,149 |
| Retained earnings to average equity (ytd only) | 2.6975% | 3,819 |
| Net charge-offs to loans | 0.2770% | 4,310 |
| Credit loss provision to net charge-offs | 520.4082% | 755 |
| Earnings coverage of net charge-offs (x) | 7.3266% | 2,424 |
| Efficiency ratio | 67.0944% | 5,164 |
| Assets per employee ($millions) | 4.3989% | 3,036 |
| Cash dividends to net income (ytd only)* | 40.4015% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7567% | 2,420 |
| Loan loss allowance to noncurrent loans | 104.1943% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 1.2873% | 4,502 |
| Noncurrent loans to loans | 1.6860% | 4,117 |
| Net loans and leases to total assets | 75.0107% | 2,244 |
| Net loans and leases to deposits | 82.3671% | 3,943 |
| Net loans and leases to core deposits | 92.6991% | 5,164 |
| Total domestic deposits to total assets | 91.0687% | 392 |
| Equity capital to assets | 8.6528% | 6,028 |
| Core capital (leverage) ratio | 8.4343% | 5,607 |
| Tier 1 risk-based capital ratio | 11.0059% | 5,948 |
| Total risk-based capital ratio | 12.2627% | 5,906 |
| Memoranda: | ||
| Average total assets | $32,796,000 | 7,431 |
| Average earning assets | $31,120,500 | 7,367 |
| Average equity | $2,916,000 | 7,686 |
| Average total loans | $23,588,250 | 7,058 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9841% | 2,249 |
| Cost of funding earning assets | 1.7324% | 5,108 |
| Net interest margin | 4.2517% | 1,813 |
| Noninterest income to average assets | 0.3000% | 6,117 |
| Noninterest expense to average assets | 2.9940% | 4,107 |
| Loan and lease loss provision to assets | 0.0625% | 6,584 |
| Net operating income to assets | 1.2001% | 1,474 |
| Return on assets (ROA) | 1.2001% | 1,558 |
| Pretax return on assets | 1.2626% | 2,123 |
| Return on Equity (ROE) | 13.3658% | 1,104 |
| Retained earnings to average equity (ytd only) | 10.5813% | 629 |
| Net charge-offs to loans | -0.0267% | 7,755 |
| Credit loss provision to net charge-offs | -333.3333% | 7,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3198% | 4,913 |
| Assets per employee ($millions) | 4.2099% | 3,281 |
| Cash dividends to net income (ytd only)* | 20.8333% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 5,002 |
| Loan loss allowance to noncurrent loans | 159.4286% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.5196% | 6,132 |
| Noncurrent loans to loans | 0.7479% | 5,744 |
| Net loans and leases to total assets | 68.6451% | 4,035 |
| Net loans and leases to deposits | 75.5819% | 5,229 |
| Net loans and leases to core deposits | 85.8804% | 5,916 |
| Total domestic deposits to total assets | 90.8222% | 516 |
| Equity capital to assets | 8.8690% | 5,494 |
| Core capital (leverage) ratio | 9.1132% | 4,438 |
| Tier 1 risk-based capital ratio | 12.7820% | 4,300 |
| Total risk-based capital ratio | 13.9671% | 4,260 |
| Memoranda: | ||
| Average total assets | $31,997,670 | 7,529 |
| Average earning assets | $30,247,000 | 7,473 |
| Average equity | $2,873,000 | 7,766 |
| Average total loans | $22,494,670 | 7,183 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7838% | 3,385 |
| Cost of funding earning assets | 1.7228% | 5,508 |
| Net interest margin | 4.0610% | 2,423 |
| Noninterest income to average assets | 0.2953% | 6,073 |
| Noninterest expense to average assets | 3.1454% | 3,206 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8987% | 2,707 |
| Return on assets (ROA) | 0.8987% | 2,860 |
| Pretax return on assets | 0.9629% | 3,488 |
| Return on Equity (ROE) | 9.9432% | 2,341 |
| Retained earnings to average equity (ytd only) | 9.9432% | 1,210 |
| Net charge-offs to loans | -0.0544% | 7,719 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5625% | 3,396 |
| Assets per employee ($millions) | 3.9723% | 3,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 5,100 |
| Loan loss allowance to noncurrent loans | 140.8377% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.6010% | 5,676 |
| Noncurrent loans to loans | 0.8189% | 5,398 |
| Net loans and leases to total assets | 72.5470% | 3,109 |
| Net loans and leases to deposits | 87.4815% | 3,387 |
| Net loans and leases to core deposits | 95.0445% | 5,057 |
| Total domestic deposits to total assets | 82.9284% | 4,179 |
| Equity capital to assets | 9.1227% | 5,197 |
| Core capital (leverage) ratio | 9.7900% | 3,645 |
| Tier 1 risk-based capital ratio | 12.5284% | 4,531 |
| Total risk-based capital ratio | 13.6798% | 4,513 |
| Memoranda: | ||
| Average total assets | $31,157,000 | 7,600 |
| Average earning assets | $29,254,000 | 7,554 |
| Average equity | $2,816,000 | 7,832 |
| Average total loans | $22,043,000 | 7,247 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4309% | 3,273 |
| Cost of funding earning assets | 2.3226% | 5,049 |
| Net interest margin | 4.1083% | 2,674 |
| Noninterest income to average assets | 0.6764% | 3,283 |
| Noninterest expense to average assets | 3.2340% | 3,209 |
| Loan and lease loss provision to assets | 0.4880% | 2,865 |
| Net operating income to assets | 0.7777% | 3,534 |
| Return on assets (ROA) | 0.7841% | 3,351 |
| Pretax return on assets | 0.8245% | 3,980 |
| Return on Equity (ROE) | 8.3405% | 2,920 |
| Retained earnings to average equity (ytd only) | 2.3267% | 3,753 |
| Net charge-offs to loans | 0.6159% | 1,994 |
| Credit loss provision to net charge-offs | 128.3186% | 4,153 |
| Earnings coverage of net charge-offs (x) | 3.4336% | 4,372 |
| Efficiency ratio | 71.2380% | 4,079 |
| Assets per employee ($millions) | 3.8170% | 3,922 |
| Cash dividends to net income (ytd only)* | 72.1030% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 3,926 |
| Loan loss allowance to noncurrent loans | 39.0602% | 6,115 |
| Noncurrent assets plus other real estate owned to assets | 2.2302% | 2,191 |
| Noncurrent loans to loans | 3.2799% | 1,591 |
| Net loans and leases to total assets | 67.1241% | 4,614 |
| Net loans and leases to deposits | 73.9590% | 5,851 |
| Net loans and leases to core deposits | 79.1634% | 6,679 |
| Total domestic deposits to total assets | 90.7584% | 401 |
| Equity capital to assets | 8.9501% | 5,432 |
| Core capital (leverage) ratio | 9.6808% | 3,789 |
| Tier 1 risk-based capital ratio | 13.4574% | 3,848 |
| Total risk-based capital ratio | 14.7056% | 3,746 |
| Memoranda: | ||
| Average total assets | $29,715,600 | 7,660 |
| Average earning assets | $27,943,200 | 7,617 |
| Average equity | $2,793,600 | 7,896 |
| Average total loans | $18,347,800 | 7,440 |