Home > Town & Country Bank Midwest > Performance and Condition Ratios
Town & Country Bank Midwest, Performance and Condition Ratios
| 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 | 4.9067% | 1,063 |
| Cost of funding earning assets | 0.7170% | 2,078 |
| Net interest margin | 4.1898% | 1,217 |
| Noninterest income to average assets | 0.2919% | 5,374 |
| Noninterest expense to average assets | 2.4212% | 5,055 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0818% | 1,929 |
| Return on assets (ROA) | 1.0818% | 2,036 |
| Pretax return on assets | 1.0818% | 3,026 |
| Return on Equity (ROE) | 10.1572% | 2,005 |
| Retained earnings to average equity (ytd only) | 10.1572% | 1,070 |
| Net charge-offs to loans | -1.8171% | 6,953 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1176% | 4,127 |
| Assets per employee ($millions) | 3.8992% | 4,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2018% | 1,580 |
| Loan loss allowance to noncurrent loans | 265.7407% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.4616% | 5,228 |
| Noncurrent loans to loans | 0.8285% | 4,467 |
| Net loans and leases to total assets | 54.4903% | 4,336 |
| Net loans and leases to deposits | 61.1650% | 4,665 |
| Net loans and leases to core deposits | 61.9136% | 4,959 |
| Total domestic deposits to total assets | 89.0874% | 1,633 |
| Equity capital to assets | 10.7373% | 3,275 |
| Core capital (leverage) ratio | 10.6566% | 2,588 |
| Tier 1 risk-based capital ratio | 15.9667% | 3,292 |
| Total risk-based capital ratio | 17.2203% | 3,244 |
| Memoranda: | ||
| Average total assets | $23,294,500 | 6,852 |
| Average earning assets | $17,853,000 | 6,884 |
| Average equity | $2,481,000 | 6,817 |
| Average total loans | $13,868,500 | 6,628 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4361% | 708 |
| Cost of funding earning assets | 0.9021% | 1,921 |
| Net interest margin | 4.5340% | 882 |
| Noninterest income to average assets | 0.5097% | 3,834 |
| Noninterest expense to average assets | 3.4392% | 1,967 |
| Loan and lease loss provision to assets | 0.1108% | 4,249 |
| Net operating income to assets | 0.4122% | 5,051 |
| Return on assets (ROA) | 0.4122% | 5,307 |
| Pretax return on assets | 0.4122% | 5,543 |
| Return on Equity (ROE) | 3.8037% | 5,230 |
| Retained earnings to average equity (ytd only) | 3.8037% | 3,533 |
| Net charge-offs to loans | 0.6920% | 1,708 |
| Credit loss provision to net charge-offs | 24.7525% | 5,205 |
| Earnings coverage of net charge-offs (x) | 1.1683% | 4,876 |
| Efficiency ratio | 86.8009% | 1,346 |
| Assets per employee ($millions) | 3.8657% | 4,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5236% | 3,648 |
| Loan loss allowance to noncurrent loans | 2,800.0000% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 6,571 |
| Noncurrent loans to loans | 0.0544% | 6,360 |
| Net loans and leases to total assets | 62.4213% | 3,186 |
| Net loans and leases to deposits | 69.9319% | 3,724 |
| Net loans and leases to core deposits | 70.7936% | 4,194 |
| Total domestic deposits to total assets | 89.2602% | 1,402 |
| Equity capital to assets | 10.5631% | 3,448 |
| Core capital (leverage) ratio | 10.6713% | 2,575 |
| Tier 1 risk-based capital ratio | 14.0372% | 4,362 |
| Total risk-based capital ratio | 15.2888% | 4,314 |
| Memoranda: | ||
| Average total assets | $22,563,600 | 6,915 |
| Average earning assets | $17,181,400 | 6,950 |
| Average equity | $2,445,000 | 6,891 |
| Average total loans | $14,594,800 | 6,680 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5736% | 581 |
| Cost of funding earning assets | 0.9263% | 2,004 |
| Net interest margin | 4.6473% | 749 |
| Noninterest income to average assets | 0.4879% | 4,000 |
| Noninterest expense to average assets | 3.0527% | 3,049 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9580% | 2,713 |
| Return on assets (ROA) | 0.9580% | 2,932 |
| Pretax return on assets | 0.9580% | 3,886 |
| Return on Equity (ROE) | 8.7840% | 2,910 |
| Retained earnings to average equity (ytd only) | 8.7840% | 1,310 |
| Net charge-offs to loans | -0.0091% | 6,353 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1128% | 2,662 |
| Assets per employee ($millions) | 3.6723% | 4,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1985% | 1,707 |
| Loan loss allowance to noncurrent loans | 304.0404% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.4493% | 5,540 |
| Noncurrent loans to loans | 0.7231% | 4,985 |
| Net loans and leases to total assets | 60.7697% | 3,620 |
| Net loans and leases to deposits | 68.8538% | 4,049 |
| Net loans and leases to core deposits | 69.7577% | 4,526 |
| Total domestic deposits to total assets | 88.2591% | 1,873 |
| Equity capital to assets | 11.4323% | 2,817 |
| Core capital (leverage) ratio | 11.3020% | 2,137 |
| Tier 1 risk-based capital ratio | 15.4808% | 3,548 |
| Total risk-based capital ratio | 16.7375% | 3,502 |
| Memoranda: | ||
| Average total assets | $22,406,000 | 7,011 |
| Average earning assets | $16,984,250 | 7,051 |
| Average equity | $2,443,750 | 6,981 |
| Average total loans | $14,568,000 | 6,767 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5674% | 618 |
| Cost of funding earning assets | 0.9357% | 2,146 |
| Net interest margin | 4.6317% | 779 |
| Noninterest income to average assets | 0.4705% | 4,130 |
| Noninterest expense to average assets | 2.9472% | 3,451 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0386% | 2,306 |
| Return on assets (ROA) | 1.0386% | 2,530 |
| Pretax return on assets | 1.0386% | 3,564 |
| Return on Equity (ROE) | 9.6747% | 2,497 |
| Retained earnings to average equity (ytd only) | 9.6747% | 1,069 |
| Net charge-offs to loans | 0.0269% | 5,002 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 58.5000% | 649 |
| Efficiency ratio | 73.9421% | 3,085 |
| Assets per employee ($millions) | 3.6535% | 4,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0758% | 2,046 |
| Loan loss allowance to noncurrent loans | 270.9091% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.5018% | 5,504 |
| Noncurrent loans to loans | 0.7662% | 4,973 |
| Net loans and leases to total assets | 64.1303% | 3,008 |
| Net loans and leases to deposits | 72.4938% | 3,537 |
| Net loans and leases to core deposits | 73.4483% | 4,103 |
| Total domestic deposits to total assets | 88.4631% | 1,846 |
| Equity capital to assets | 11.2860% | 2,806 |
| Core capital (leverage) ratio | 10.7856% | 2,497 |
| Tier 1 risk-based capital ratio | 14.5038% | 4,104 |
| Total risk-based capital ratio | 15.7604% | 4,060 |
| Memoranda: | ||
| Average total assets | $22,530,000 | 7,066 |
| Average earning assets | $17,099,670 | 7,111 |
| Average equity | $2,418,670 | 7,031 |
| Average total loans | $14,860,330 | 6,807 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7949% | 428 |
| Cost of funding earning assets | 0.9580% | 2,248 |
| Net interest margin | 4.8369% | 523 |
| Noninterest income to average assets | 0.4379% | 4,399 |
| Noninterest expense to average assets | 2.7677% | 4,168 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2963% | 1,467 |
| Return on assets (ROA) | 1.2963% | 1,634 |
| Pretax return on assets | 1.2963% | 2,550 |
| Return on Equity (ROE) | 12.3798% | 1,559 |
| Retained earnings to average equity (ytd only) | 12.3798% | 771 |
| Net charge-offs to loans | -0.0265% | 6,292 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1034% | 4,151 |
| Assets per employee ($millions) | 3.8190% | 4,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0317% | 2,263 |
| Loan loss allowance to noncurrent loans | 199.3377% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.6590% | 5,241 |
| Noncurrent loans to loans | 1.0192% | 4,639 |
| Net loans and leases to total assets | 63.3412% | 2,978 |
| Net loans and leases to deposits | 71.0252% | 3,584 |
| Net loans and leases to core deposits | 71.9084% | 4,164 |
| Total domestic deposits to total assets | 89.1813% | 1,577 |
| Equity capital to assets | 10.5874% | 3,388 |
| Core capital (leverage) ratio | 10.6576% | 2,594 |
| Tier 1 risk-based capital ratio | 13.5971% | 4,753 |
| Total risk-based capital ratio | 14.8526% | 4,737 |
| Memoranda: | ||
| Average total assets | $22,834,500 | 7,122 |
| Average earning assets | $17,118,500 | 7,170 |
| Average equity | $2,391,000 | 7,092 |
| Average total loans | $15,112,500 | 6,847 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2295% | 284 |
| Cost of funding earning assets | 1.1894% | 2,094 |
| Net interest margin | 5.0401% | 379 |
| Noninterest income to average assets | 0.5186% | 3,731 |
| Noninterest expense to average assets | 3.0934% | 3,219 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.2220% | 1,456 |
| Return on assets (ROA) | 1.2220% | 1,561 |
| Pretax return on assets | 1.2085% | 2,429 |
| Return on Equity (ROE) | 11.8683% | 1,444 |
| Retained earnings to average equity (ytd only) | 5.2991% | 2,451 |
| Net charge-offs to loans | 0.0972% | 5,375 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 17.8667% | 1,245 |
| Efficiency ratio | 71.9078% | 3,595 |
| Assets per employee ($millions) | 3.7925% | 4,333 |
| Cash dividends to net income (ytd only)* | 55.3506% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9468% | 2,425 |
| Loan loss allowance to noncurrent loans | 114.0684% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 1.1558% | 4,301 |
| Noncurrent loans to loans | 1.7067% | 3,601 |
| Net loans and leases to total assets | 66.4030% | 2,710 |
| Net loans and leases to deposits | 74.2214% | 3,460 |
| Net loans and leases to core deposits | 74.2214% | 4,206 |
| Total domestic deposits to total assets | 89.4661% | 1,287 |
| Equity capital to assets | 10.3538% | 3,707 |
| Core capital (leverage) ratio | 10.1932% | 3,090 |
| Tier 1 risk-based capital ratio | 12.8995% | 5,155 |
| Total risk-based capital ratio | 14.1549% | 5,126 |
| Memoranda: | ||
| Average total assets | $22,176,600 | 7,157 |
| Average earning assets | $16,646,600 | 7,220 |
| Average equity | $2,283,400 | 7,167 |
| Average total loans | $15,431,600 | 6,886 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3628% | 242 |
| Cost of funding earning assets | 1.2336% | 2,097 |
| Net interest margin | 5.1292% | 321 |
| Noninterest income to average assets | 0.5265% | 3,680 |
| Noninterest expense to average assets | 3.1771% | 2,894 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1437% | 1,831 |
| Return on assets (ROA) | 1.1437% | 1,950 |
| Pretax return on assets | 1.1740% | 2,722 |
| Return on Equity (ROE) | 11.1242% | 1,822 |
| Retained earnings to average equity (ytd only) | 2.2956% | 4,974 |
| Net charge-offs to loans | 0.0345% | 5,665 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 48.5291% | 668 |
| Efficiency ratio | 73.0181% | 3,359 |
| Assets per employee ($millions) | 3.7268% | 4,470 |
| Cash dividends to net income (ytd only)* | 79.3682% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0232% | 2,271 |
| Loan loss allowance to noncurrent loans | 81.4136% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.7083% | 3,531 |
| Noncurrent loans to loans | 2.4850% | 2,789 |
| Net loans and leases to total assets | 67.3539% | 2,602 |
| Net loans and leases to deposits | 75.2185% | 3,470 |
| Net loans and leases to core deposits | 77.1686% | 4,021 |
| Total domestic deposits to total assets | 89.5443% | 1,118 |
| Equity capital to assets | 10.1650% | 4,138 |
| Core capital (leverage) ratio | 9.9824% | 3,470 |
| Tier 1 risk-based capital ratio | 12.4193% | 5,558 |
| Total risk-based capital ratio | 13.6722% | 5,549 |
| Memoranda: | ||
| Average total assets | $22,032,000 | 7,234 |
| Average earning assets | $16,428,500 | 7,300 |
| Average equity | $2,265,250 | 7,242 |
| Average total loans | $15,437,000 | 6,947 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2397% | 307 |
| Cost of funding earning assets | 1.2796% | 2,065 |
| Net interest margin | 4.9601% | 422 |
| Noninterest income to average assets | 0.5109% | 3,771 |
| Noninterest expense to average assets | 2.8647% | 4,165 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3320% | 1,239 |
| Return on assets (ROA) | 1.3320% | 1,315 |
| Pretax return on assets | 1.3593% | 1,924 |
| Return on Equity (ROE) | 12.9051% | 1,221 |
| Retained earnings to average equity (ytd only) | -0.3536% | 5,921 |
| Net charge-offs to loans | 0.0518% | 5,133 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 37.2500% | 783 |
| Efficiency ratio | 67.8186% | 4,547 |
| Assets per employee ($millions) | 3.1736% | 5,691 |
| Cash dividends to net income (ytd only)* | 102.7397% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9320% | 2,568 |
| Loan loss allowance to noncurrent loans | 67.0259% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 2.0887% | 3,129 |
| Noncurrent loans to loans | 2.8825% | 2,532 |
| Net loans and leases to total assets | 71.0601% | 1,988 |
| Net loans and leases to deposits | 79.2152% | 2,935 |
| Net loans and leases to core deposits | 81.2706% | 3,613 |
| Total domestic deposits to total assets | 89.7052% | 1,118 |
| Equity capital to assets | 10.0473% | 4,080 |
| Core capital (leverage) ratio | 9.6805% | 3,684 |
| Tier 1 risk-based capital ratio | 11.7737% | 5,954 |
| Total risk-based capital ratio | 13.0267% | 5,946 |
| Memoranda: | ||
| Average total assets | $21,922,330 | 7,306 |
| Average earning assets | $16,411,000 | 7,370 |
| Average equity | $2,262,670 | 7,304 |
| Average total loans | $15,458,670 | 7,016 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4206% | 240 |
| Cost of funding earning assets | 1.3241% | 2,046 |
| Net interest margin | 5.0965% | 309 |
| Noninterest income to average assets | 0.5511% | 3,504 |
| Noninterest expense to average assets | 2.5716% | 5,324 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6899% | 583 |
| Return on assets (ROA) | 1.6899% | 619 |
| Pretax return on assets | 1.7267% | 936 |
| Return on Equity (ROE) | 16.1545% | 661 |
| Retained earnings to average equity (ytd only) | 16.1545% | 315 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8291% | 6,007 |
| Assets per employee ($millions) | 3.0621% | 6,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1154% | 2,150 |
| Loan loss allowance to noncurrent loans | 443.6620% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.3312% | 6,368 |
| Noncurrent loans to loans | 0.4768% | 6,064 |
| Net loans and leases to total assets | 68.0009% | 2,548 |
| Net loans and leases to deposits | 76.4783% | 3,338 |
| Net loans and leases to core deposits | 78.5472% | 3,943 |
| Total domestic deposits to total assets | 88.9153% | 1,824 |
| Equity capital to assets | 10.8421% | 2,839 |
| Core capital (leverage) ratio | 10.4909% | 2,623 |
| Tier 1 risk-based capital ratio | 13.0954% | 4,751 |
| Total risk-based capital ratio | 14.3526% | 4,721 |
| Memoranda: | ||
| Average total assets | $21,776,000 | 7,363 |
| Average earning assets | $16,011,000 | 7,436 |
| Average equity | $2,278,000 | 7,347 |
| Average total loans | $15,139,500 | 7,080 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4765% | 330 |
| Cost of funding earning assets | 1.6639% | 1,759 |
| Net interest margin | 4.8126% | 657 |
| Noninterest income to average assets | 0.6438% | 3,191 |
| Noninterest expense to average assets | 2.8506% | 4,402 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.4608% | 840 |
| Return on assets (ROA) | 1.4608% | 899 |
| Pretax return on assets | 1.4919% | 1,398 |
| Return on Equity (ROE) | 15.1837% | 692 |
| Retained earnings to average equity (ytd only) | 3.6459% | 3,311 |
| Net charge-offs to loans | 0.0121% | 6,710 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 168.0000% | 151 |
| Efficiency ratio | 65.6442% | 5,036 |
| Assets per employee ($millions) | 3.1596% | 5,755 |
| Cash dividends to net income (ytd only)* | 75.9878% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0470% | 2,180 |
| Loan loss allowance to noncurrent loans | 851.3514% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.1673% | 6,811 |
| Noncurrent loans to loans | 0.2404% | 6,580 |
| Net loans and leases to total assets | 68.1512% | 2,951 |
| Net loans and leases to deposits | 75.9728% | 3,845 |
| Net loans and leases to core deposits | 75.9728% | 4,719 |
| Total domestic deposits to total assets | 89.7048% | 1,264 |
| Equity capital to assets | 10.0918% | 3,630 |
| Core capital (leverage) ratio | 9.7220% | 3,408 |
| Tier 1 risk-based capital ratio | 12.2562% | 5,251 |
| Total risk-based capital ratio | 13.5143% | 5,209 |
| Memoranda: | ||
| Average total assets | $22,521,400 | 7,408 |
| Average earning assets | $17,308,800 | 7,466 |
| Average equity | $2,166,800 | 7,476 |
| Average total loans | $16,567,200 | 7,090 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4613% | 370 |
| Cost of funding earning assets | 1.7043% | 1,858 |
| Net interest margin | 4.7570% | 736 |
| Noninterest income to average assets | 0.6483% | 3,138 |
| Noninterest expense to average assets | 2.5284% | 5,612 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.7976% | 508 |
| Return on assets (ROA) | 1.7976% | 555 |
| Pretax return on assets | 1.8212% | 888 |
| Return on Equity (ROE) | 18.9100% | 394 |
| Retained earnings to average equity (ytd only) | 3.4099% | 4,049 |
| Net charge-offs to loans | 0.0079% | 6,557 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 309.7669% | 101 |
| Efficiency ratio | 58.1301% | 6,252 |
| Assets per employee ($millions) | 3.1329% | 5,851 |
| Cash dividends to net income (ytd only)* | 81.9677% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0345% | 2,136 |
| Loan loss allowance to noncurrent loans | 49.9210% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 2.8865% | 2,516 |
| Noncurrent loans to loans | 4.0755% | 1,827 |
| Net loans and leases to total assets | 69.3844% | 2,881 |
| Net loans and leases to deposits | 77.4075% | 3,939 |
| Net loans and leases to core deposits | 79.4694% | 4,594 |
| Total domestic deposits to total assets | 89.6352% | 1,058 |
| Equity capital to assets | 10.0730% | 4,063 |
| Core capital (leverage) ratio | 9.5701% | 3,806 |
| Tier 1 risk-based capital ratio | 12.0758% | 5,385 |
| Total risk-based capital ratio | 13.3293% | 5,358 |
| Memoranda: | ||
| Average total assets | $22,622,500 | 7,499 |
| Average earning assets | $17,601,750 | 7,559 |
| Average equity | $2,150,500 | 7,579 |
| Average total loans | $16,862,000 | 7,177 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3746% | 433 |
| Cost of funding earning assets | 1.6962% | 2,139 |
| Net interest margin | 4.6784% | 845 |
| Noninterest income to average assets | 0.7176% | 2,592 |
| Noninterest expense to average assets | 2.4854% | 5,761 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.8903% | 404 |
| Return on assets (ROA) | 1.8903% | 450 |
| Pretax return on assets | 1.9253% | 703 |
| Return on Equity (ROE) | 20.2722% | 300 |
| Retained earnings to average equity (ytd only) | 1.5016% | 5,121 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3492% | 6,593 |
| Assets per employee ($millions) | 3.2543% | 5,539 |
| Cash dividends to net income (ytd only)* | 92.5926% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8950% | 2,423 |
| Loan loss allowance to noncurrent loans | 55.2265% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 2.5198% | 2,865 |
| Noncurrent loans to loans | 3.4314% | 2,317 |
| Net loans and leases to total assets | 72.0413% | 2,388 |
| Net loans and leases to deposits | 79.8900% | 3,615 |
| Net loans and leases to core deposits | 81.9117% | 4,431 |
| Total domestic deposits to total assets | 90.1756% | 830 |
| Equity capital to assets | 9.5303% | 4,662 |
| Core capital (leverage) ratio | 9.4056% | 3,952 |
| Tier 1 risk-based capital ratio | 11.1816% | 6,059 |
| Total risk-based capital ratio | 12.4349% | 6,050 |
| Memoranda: | ||
| Average total assets | $22,853,330 | 7,557 |
| Average earning assets | $18,040,330 | 7,611 |
| Average equity | $2,131,000 | 7,641 |
| Average total loans | $17,305,330 | 7,207 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5921% | 314 |
| Cost of funding earning assets | 1.7244% | 2,272 |
| Net interest margin | 4.8677% | 564 |
| Noninterest income to average assets | 0.6990% | 2,610 |
| Noninterest expense to average assets | 2.4465% | 5,929 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.0795% | 303 |
| Return on assets (ROA) | 2.0795% | 332 |
| Pretax return on assets | 2.1494% | 460 |
| Return on Equity (ROE) | 22.5486% | 250 |
| Retained earnings to average equity (ytd only) | -15.3482% | 7,224 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2319% | 7,044 |
| Assets per employee ($millions) | 3.2046% | 5,759 |
| Cash dividends to net income (ytd only)* | 168.0672% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8607% | 2,546 |
| Loan loss allowance to noncurrent loans | 54.1880% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 2.6079% | 2,794 |
| Noncurrent loans to loans | 3.4337% | 2,320 |
| Net loans and leases to total assets | 74.5364% | 1,848 |
| Net loans and leases to deposits | 82.3808% | 3,217 |
| Net loans and leases to core deposits | 84.4743% | 4,140 |
| Total domestic deposits to total assets | 90.4779% | 747 |
| Equity capital to assets | 9.2279% | 4,952 |
| Core capital (leverage) ratio | 8.8955% | 4,733 |
| Tier 1 risk-based capital ratio | 10.5755% | 6,560 |
| Total risk-based capital ratio | 11.8278% | 6,552 |
| Memoranda: | ||
| Average total assets | $22,890,000 | 7,657 |
| Average earning assets | $18,325,000 | 7,699 |
| Average equity | $2,111,000 | 7,727 |
| Average total loans | $17,594,000 | 7,279 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6476% | 516 |
| Cost of funding earning assets | 2.0433% | 2,755 |
| Net interest margin | 4.6043% | 975 |
| Noninterest income to average assets | 0.6932% | 3,024 |
| Noninterest expense to average assets | 2.9205% | 4,462 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.5072% | 662 |
| Return on assets (ROA) | 1.5072% | 711 |
| Pretax return on assets | 1.5117% | 1,160 |
| Return on Equity (ROE) | 15.3265% | 624 |
| Retained earnings to average equity (ytd only) | 1.2279% | 4,181 |
| Net charge-offs to loans | -0.1897% | 7,909 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8930% | 5,410 |
| Assets per employee ($millions) | 2.9185% | 6,417 |
| Cash dividends to net income (ytd only)* | 91.9881% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7465% | 2,728 |
| Loan loss allowance to noncurrent loans | 1,320.8333% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 7,237 |
| Noncurrent loans to loans | 0.1322% | 7,104 |
| Net loans and leases to total assets | 76.3834% | 1,714 |
| Net loans and leases to deposits | 88.5458% | 2,463 |
| Net loans and leases to core deposits | 112.2765% | 2,670 |
| Total domestic deposits to total assets | 86.2643% | 2,883 |
| Equity capital to assets | 9.2171% | 4,817 |
| Core capital (leverage) ratio | 9.4610% | 3,772 |
| Tier 1 risk-based capital ratio | 10.8206% | 6,093 |
| Total risk-based capital ratio | 12.0726% | 6,063 |
| Memoranda: | ||
| Average total assets | $22,359,200 | 7,719 |
| Average earning assets | $18,157,000 | 7,754 |
| Average equity | $2,198,800 | 7,804 |
| Average total loans | $16,870,800 | 7,362 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6224% | 593 |
| Cost of funding earning assets | 2.1284% | 2,752 |
| Net interest margin | 4.4940% | 1,207 |
| Noninterest income to average assets | 0.6392% | 3,430 |
| Noninterest expense to average assets | 2.3516% | 6,548 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.9356% | 333 |
| Return on assets (ROA) | 1.9356% | 361 |
| Pretax return on assets | 1.9416% | 603 |
| Return on Equity (ROE) | 19.3617% | 348 |
| Retained earnings to average equity (ytd only) | 3.6793% | 3,233 |
| Net charge-offs to loans | -0.2658% | 7,988 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7753% | 7,148 |
| Assets per employee ($millions) | 2.7041% | 6,841 |
| Cash dividends to net income (ytd only)* | 80.9972% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9019% | 2,025 |
| Loan loss allowance to noncurrent loans | 600.0000% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.2450% | 6,906 |
| Noncurrent loans to loans | 0.3170% | 6,723 |
| Net loans and leases to total assets | 75.8194% | 2,025 |
| Net loans and leases to deposits | 84.6730% | 3,538 |
| Net loans and leases to core deposits | 108.7377% | 3,378 |
| Total domestic deposits to total assets | 89.5438% | 943 |
| Equity capital to assets | 10.1373% | 3,924 |
| Core capital (leverage) ratio | 9.7533% | 3,566 |
| Tier 1 risk-based capital ratio | 11.4642% | 5,466 |
| Total risk-based capital ratio | 12.7176% | 5,407 |
| Memoranda: | ||
| Average total assets | $22,112,000 | 7,801 |
| Average earning assets | $17,979,000 | 7,841 |
| Average equity | $2,210,500 | 7,882 |
| Average total loans | $16,550,750 | 7,446 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5368% | 759 |
| Cost of funding earning assets | 2.1679% | 2,947 |
| Net interest margin | 4.3689% | 1,474 |
| Noninterest income to average assets | 0.6645% | 3,236 |
| Noninterest expense to average assets | 2.3348% | 6,659 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.8678% | 400 |
| Return on assets (ROA) | 1.8678% | 433 |
| Pretax return on assets | 1.8768% | 727 |
| Return on Equity (ROE) | 18.7698% | 422 |
| Retained earnings to average equity (ytd only) | 12.0018% | 440 |
| Net charge-offs to loans | -0.4001% | 8,089 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4371% | 7,173 |
| Assets per employee ($millions) | 2.7485% | 6,742 |
| Cash dividends to net income (ytd only)* | 36.0577% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9002% | 1,792 |
| Loan loss allowance to noncurrent loans | 739.5349% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 7,034 |
| Noncurrent loans to loans | 0.2569% | 6,876 |
| Net loans and leases to total assets | 74.6635% | 2,527 |
| Net loans and leases to deposits | 83.5428% | 3,960 |
| Net loans and leases to core deposits | 105.2574% | 3,929 |
| Total domestic deposits to total assets | 89.3715% | 1,097 |
| Equity capital to assets | 10.2783% | 3,632 |
| Core capital (leverage) ratio | 9.9916% | 3,309 |
| Tier 1 risk-based capital ratio | 11.8605% | 5,033 |
| Total risk-based capital ratio | 13.1159% | 4,949 |
| Memoranda: | ||
| Average total assets | $22,271,670 | 7,869 |
| Average earning assets | $18,082,330 | 7,916 |
| Average equity | $2,216,330 | 7,956 |
| Average total loans | $16,494,330 | 7,514 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3890% | 1,088 |
| Cost of funding earning assets | 2.2318% | 3,007 |
| Net interest margin | 4.1572% | 2,061 |
| Noninterest income to average assets | 0.5532% | 3,893 |
| Noninterest expense to average assets | 2.2665% | 6,642 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6776% | 676 |
| Return on assets (ROA) | 1.6776% | 744 |
| Pretax return on assets | 1.6776% | 1,221 |
| Return on Equity (ROE) | 17.1337% | 672 |
| Retained earnings to average equity (ytd only) | 17.1337% | 266 |
| Net charge-offs to loans | -0.8062% | 8,146 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4661% | 6,764 |
| Assets per employee ($millions) | 3.2537% | 5,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9388% | 1,543 |
| Loan loss allowance to noncurrent loans | 3,180.0000% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 7,475 |
| Noncurrent loans to loans | 0.0610% | 7,358 |
| Net loans and leases to total assets | 70.6182% | 3,548 |
| Net loans and leases to deposits | 78.5889% | 4,835 |
| Net loans and leases to core deposits | 97.2430% | 4,822 |
| Total domestic deposits to total assets | 89.8577% | 864 |
| Equity capital to assets | 9.8130% | 4,226 |
| Core capital (leverage) ratio | 9.8666% | 3,565 |
| Tier 1 risk-based capital ratio | 11.6771% | 5,227 |
| Total risk-based capital ratio | 12.9348% | 5,140 |
| Memoranda: | ||
| Average total assets | $22,413,500 | 7,913 |
| Average earning assets | $18,281,500 | 7,955 |
| Average equity | $2,194,500 | 8,015 |
| Average total loans | $16,374,000 | 7,561 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0609% | 992 |
| Cost of funding earning assets | 2.8286% | 2,588 |
| Net interest margin | 4.2323% | 2,188 |
| Noninterest income to average assets | 0.7275% | 2,924 |
| Noninterest expense to average assets | 2.2360% | 6,872 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.0307% | 326 |
| Return on assets (ROA) | 2.0307% | 309 |
| Pretax return on assets | 2.0441% | 538 |
| Return on Equity (ROE) | 21.8058% | 263 |
| Retained earnings to average equity (ytd only) | 8.6265% | 673 |
| Net charge-offs to loans | 0.1962% | 4,229 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 13.8788% | 2,097 |
| Efficiency ratio | 52.2419% | 7,460 |
| Assets per employee ($millions) | 3.1501% | 5,625 |
| Cash dividends to net income (ytd only)* | 60.4396% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7435% | 1,786 |
| Loan loss allowance to noncurrent loans | 730.7692% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.1769% | 6,857 |
| Noncurrent loans to loans | 0.2386% | 6,670 |
| Net loans and leases to total assets | 72.8357% | 3,403 |
| Net loans and leases to deposits | 81.0016% | 4,871 |
| Net loans and leases to core deposits | 101.5426% | 4,666 |
| Total domestic deposits to total assets | 89.9188% | 679 |
| Equity capital to assets | 9.7683% | 4,333 |
| Core capital (leverage) ratio | 9.3765% | 4,197 |
| Tier 1 risk-based capital ratio | 11.2327% | 5,506 |
| Total risk-based capital ratio | 12.4855% | 5,384 |
| Memoranda: | ||
| Average total assets | $22,405,600 | 7,931 |
| Average earning assets | $18,807,800 | 7,977 |
| Average equity | $2,086,600 | 8,107 |
| Average total loans | $16,816,200 | 7,530 |