Home > Union Savings Bank > Performance and Condition Ratios
Union Savings Bank, Performance and Condition Ratios
| 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 | 4.8907% | 1,142 |
| Cost of funding earning assets | 0.6954% | 1,986 |
| Net interest margin | 4.1953% | 1,348 |
| Noninterest income to average assets | 0.1177% | 6,423 |
| Noninterest expense to average assets | 3.1041% | 2,639 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7315% | 3,691 |
| Return on assets (ROA) | 0.7237% | 3,861 |
| Pretax return on assets | 1.0137% | 3,458 |
| Return on Equity (ROE) | 6.1436% | 4,111 |
| Retained earnings to average equity (ytd only) | 3.3678% | 4,286 |
| Net charge-offs to loans | 0.0100% | 4,947 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 156.6625% | 355 |
| Efficiency ratio | 75.1848% | 2,876 |
| Assets per employee ($millions) | 5.1027% | 2,048 |
| Cash dividends to net income (ytd only)* | 45.1814% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5999% | 3,001 |
| Loan loss allowance to noncurrent loans | 509.0226% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.5896% | 4,676 |
| Noncurrent loans to loans | 0.3143% | 5,440 |
| Net loans and leases to total assets | 68.0020% | 2,292 |
| Net loans and leases to deposits | 83.2164% | 1,972 |
| Net loans and leases to core deposits | 126.2017% | 239 |
| Total domestic deposits to total assets | 81.7171% | 5,026 |
| Equity capital to assets | 11.5414% | 2,275 |
| Core capital (leverage) ratio | 11.2340% | 2,266 |
| Tier 1 risk-based capital ratio | 16.8325% | 2,788 |
| Total risk-based capital ratio | 18.0882% | 2,738 |
| Memoranda: | ||
| Average total assets | $61,164,000 | 5,790 |
| Average earning assets | $58,477,250 | 5,700 |
| Average equity | $7,205,250 | 5,584 |
| Average total loans | $39,965,000 | 5,396 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8099% | 1,312 |
| Cost of funding earning assets | 0.7263% | 1,875 |
| Net interest margin | 4.0836% | 1,587 |
| Noninterest income to average assets | 0.1341% | 6,385 |
| Noninterest expense to average assets | 3.1893% | 2,382 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8439% | 3,079 |
| Return on assets (ROA) | 0.8276% | 3,312 |
| Pretax return on assets | 0.8276% | 4,205 |
| Return on Equity (ROE) | 6.9780% | 3,612 |
| Retained earnings to average equity (ytd only) | 4.7715% | 3,204 |
| Net charge-offs to loans | 0.0153% | 4,533 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 528 |
| Efficiency ratio | 79.0754% | 2,287 |
| Assets per employee ($millions) | 4.6068% | 2,639 |
| Cash dividends to net income (ytd only)* | 31.6206% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6592% | 2,940 |
| Loan loss allowance to noncurrent loans | 454.3624% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.6913% | 4,491 |
| Noncurrent loans to loans | 0.3652% | 5,362 |
| Net loans and leases to total assets | 67.0034% | 2,410 |
| Net loans and leases to deposits | 79.5445% | 2,396 |
| Net loans and leases to core deposits | 121.9369% | 291 |
| Total domestic deposits to total assets | 84.2339% | 4,223 |
| Equity capital to assets | 11.9223% | 1,966 |
| Core capital (leverage) ratio | 10.7079% | 2,659 |
| Tier 1 risk-based capital ratio | 16.7441% | 2,816 |
| Total risk-based capital ratio | 17.9942% | 2,790 |
| Memoranda: | ||
| Average total assets | $61,141,330 | 5,833 |
| Average earning assets | $58,379,670 | 5,744 |
| Average equity | $7,251,330 | 5,611 |
| Average total loans | $39,181,330 | 5,460 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7200% | 1,478 |
| Cost of funding earning assets | 0.7345% | 1,965 |
| Net interest margin | 3.9854% | 1,845 |
| Noninterest income to average assets | 0.0453% | 6,747 |
| Noninterest expense to average assets | 2.9465% | 3,173 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5388% | 4,501 |
| Return on assets (ROA) | 0.5181% | 4,718 |
| Pretax return on assets | 0.8613% | 3,908 |
| Return on Equity (ROE) | 4.3794% | 4,909 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,764 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7285% | 2,807 |
| Assets per employee ($millions) | 5.1672% | 2,016 |
| Cash dividends to net income (ytd only)* | 100.0000% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7343% | 2,863 |
| Loan loss allowance to noncurrent loans | 456.3758% | 930 |
| Noncurrent assets plus other real estate owned to assets | 1.0418% | 3,854 |
| Noncurrent loans to loans | 0.3800% | 5,455 |
| Net loans and leases to total assets | 62.1391% | 3,036 |
| Net loans and leases to deposits | 71.9595% | 3,184 |
| Net loans and leases to core deposits | 116.9916% | 330 |
| Total domestic deposits to total assets | 86.3529% | 3,327 |
| Equity capital to assets | 11.7456% | 2,220 |
| Core capital (leverage) ratio | 10.8338% | 2,422 |
| Tier 1 risk-based capital ratio | 17.2634% | 2,656 |
| Total risk-based capital ratio | 18.5204% | 2,621 |
| Memoranda: | ||
| Average total assets | $61,768,000 | 5,868 |
| Average earning assets | $58,814,000 | 5,782 |
| Average equity | $7,307,000 | 5,661 |
| Average total loans | $38,370,000 | 5,534 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6513% | 2,788 |
| Cost of funding earning assets | 0.8353% | 2,390 |
| Net interest margin | 3.8160% | 3,159 |
| Noninterest income to average assets | 0.0628% | 6,646 |
| Noninterest expense to average assets | 3.1007% | 2,918 |
| Loan and lease loss provision to assets | 0.0330% | 5,482 |
| Net operating income to assets | 0.3503% | 5,292 |
| Return on assets (ROA) | 0.3423% | 5,543 |
| Pretax return on assets | 0.5385% | 5,168 |
| Return on Equity (ROE) | 2.8563% | 5,606 |
| Retained earnings to average equity (ytd only) | -5.9878% | 6,480 |
| Net charge-offs to loans | 0.0769% | 4,904 |
| Credit loss provision to net charge-offs | 75.0000% | 4,004 |
| Earnings coverage of net charge-offs (x) | 13.2857% | 1,843 |
| Efficiency ratio | 84.1500% | 1,613 |
| Assets per employee ($millions) | 4.7331% | 2,594 |
| Cash dividends to net income (ytd only)* | 309.6330% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8119% | 2,552 |
| Loan loss allowance to noncurrent loans | 906.6667% | 497 |
| Noncurrent assets plus other real estate owned to assets | 1.7634% | 2,759 |
| Noncurrent loans to loans | 0.1998% | 5,969 |
| Net loans and leases to total assets | 59.8895% | 3,623 |
| Net loans and leases to deposits | 70.0957% | 3,694 |
| Net loans and leases to core deposits | 114.6546% | 394 |
| Total domestic deposits to total assets | 85.4396% | 3,643 |
| Equity capital to assets | 11.9145% | 2,105 |
| Core capital (leverage) ratio | 10.6551% | 2,588 |
| Tier 1 risk-based capital ratio | 17.9340% | 2,283 |
| Total risk-based capital ratio | 19.1876% | 2,252 |
| Memoranda: | ||
| Average total assets | $63,696,000 | 5,829 |
| Average earning assets | $60,455,600 | 5,728 |
| Average equity | $7,632,200 | 5,602 |
| Average total loans | $36,429,400 | 5,662 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5938% | 3,233 |
| Cost of funding earning assets | 0.8400% | 2,629 |
| Net interest margin | 3.7538% | 3,527 |
| Noninterest income to average assets | 0.0602% | 6,766 |
| Noninterest expense to average assets | 3.1175% | 2,836 |
| Loan and lease loss provision to assets | 0.0457% | 5,201 |
| Net operating income to assets | 0.2680% | 5,724 |
| Return on assets (ROA) | 0.2574% | 5,953 |
| Pretax return on assets | 0.4421% | 5,617 |
| Return on Equity (ROE) | 2.1451% | 5,986 |
| Retained earnings to average equity (ytd only) | -9.5316% | 6,803 |
| Net charge-offs to loans | 0.0885% | 4,495 |
| Credit loss provision to net charge-offs | 91.6667% | 3,240 |
| Earnings coverage of net charge-offs (x) | 10.1247% | 2,222 |
| Efficiency ratio | 86.0745% | 1,369 |
| Assets per employee ($millions) | 4.8488% | 2,378 |
| Cash dividends to net income (ytd only)* | 544.3537% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8698% | 2,584 |
| Loan loss allowance to noncurrent loans | 913.3333% | 471 |
| Noncurrent assets plus other real estate owned to assets | 1.8418% | 2,873 |
| Noncurrent loans to loans | 0.2047% | 6,097 |
| Net loans and leases to total assets | 57.0318% | 4,290 |
| Net loans and leases to deposits | 65.9282% | 4,476 |
| Net loans and leases to core deposits | 107.2046% | 682 |
| Total domestic deposits to total assets | 86.5059% | 2,977 |
| Equity capital to assets | 11.6221% | 2,624 |
| Core capital (leverage) ratio | 11.0113% | 2,367 |
| Tier 1 risk-based capital ratio | 18.4204% | 2,191 |
| Total risk-based capital ratio | 19.6784% | 2,156 |
| Memoranda: | ||
| Average total assets | $64,237,500 | 5,873 |
| Average earning assets | $60,950,750 | 5,772 |
| Average equity | $7,707,500 | 5,641 |
| Average total loans | $36,154,250 | 5,746 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6286% | 3,234 |
| Cost of funding earning assets | 0.8558% | 2,750 |
| Net interest margin | 3.7728% | 3,486 |
| Noninterest income to average assets | -0.2939% | 7,153 |
| Noninterest expense to average assets | 2.8714% | 3,740 |
| Loan and lease loss provision to assets | 0.0588% | 4,914 |
| Net operating income to assets | 0.2015% | 5,912 |
| Return on assets (ROA) | 0.1856% | 6,136 |
| Pretax return on assets | 0.3249% | 5,909 |
| Return on Equity (ROE) | 1.5317% | 6,187 |
| Retained earnings to average equity (ytd only) | -0.3829% | 6,102 |
| Net charge-offs to loans | 0.1334% | 3,861 |
| Credit loss provision to net charge-offs | 79.1667% | 3,342 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,820 |
| Efficiency ratio | 87.5472% | 1,276 |
| Assets per employee ($millions) | 4.7490% | 2,504 |
| Cash dividends to net income (ytd only)* | 125.0000% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8683% | 2,650 |
| Loan loss allowance to noncurrent loans | 909.3333% | 451 |
| Noncurrent assets plus other real estate owned to assets | 2.0166% | 2,757 |
| Noncurrent loans to loans | 0.2055% | 6,171 |
| Net loans and leases to total assets | 58.0236% | 4,154 |
| Net loans and leases to deposits | 67.9412% | 4,213 |
| Net loans and leases to core deposits | 105.5109% | 767 |
| Total domestic deposits to total assets | 85.4026% | 3,660 |
| Equity capital to assets | 12.6958% | 1,690 |
| Core capital (leverage) ratio | 12.1094% | 1,545 |
| Tier 1 risk-based capital ratio | 20.1667% | 1,673 |
| Total risk-based capital ratio | 21.4238% | 1,634 |
| Memoranda: | ||
| Average total assets | $64,638,330 | 5,899 |
| Average earning assets | $61,228,330 | 5,793 |
| Average equity | $7,834,670 | 5,625 |
| Average total loans | $35,994,000 | 5,782 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5607% | 3,673 |
| Cost of funding earning assets | 0.8623% | 2,972 |
| Net interest margin | 3.6984% | 3,840 |
| Noninterest income to average assets | 0.0847% | 6,802 |
| Noninterest expense to average assets | 2.7599% | 4,208 |
| Loan and lease loss provision to assets | 0.1150% | 3,917 |
| Net operating income to assets | 0.4297% | 5,124 |
| Return on assets (ROA) | 0.4297% | 5,313 |
| Pretax return on assets | 0.7142% | 4,747 |
| Return on Equity (ROE) | 3.6257% | 5,450 |
| Retained earnings to average equity (ytd only) | 3.6257% | 4,404 |
| Net charge-offs to loans | 0.0448% | 4,068 |
| Credit loss provision to net charge-offs | 475.0000% | 674 |
| Earnings coverage of net charge-offs (x) | 34.2500% | 835 |
| Efficiency ratio | 76.8971% | 2,666 |
| Assets per employee ($millions) | 5.0598% | 2,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9307% | 2,588 |
| Loan loss allowance to noncurrent loans | 911.6883% | 422 |
| Noncurrent assets plus other real estate owned to assets | 2.1041% | 2,775 |
| Noncurrent loans to loans | 0.2118% | 6,264 |
| Net loans and leases to total assets | 54.2104% | 4,684 |
| Net loans and leases to deposits | 66.9156% | 4,246 |
| Net loans and leases to core deposits | 103.1264% | 802 |
| Total domestic deposits to total assets | 81.0131% | 5,605 |
| Equity capital to assets | 11.9327% | 2,088 |
| Core capital (leverage) ratio | 11.4694% | 1,913 |
| Tier 1 risk-based capital ratio | 19.3669% | 1,881 |
| Total risk-based capital ratio | 20.6249% | 1,843 |
| Memoranda: | ||
| Average total assets | $66,089,000 | 5,884 |
| Average earning assets | $62,622,000 | 5,791 |
| Average equity | $7,833,000 | 5,646 |
| Average total loans | $35,739,000 | 5,835 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7246% | 4,148 |
| Cost of funding earning assets | 0.9681% | 3,592 |
| Net interest margin | 3.7564% | 4,044 |
| Noninterest income to average assets | 0.1684% | 6,282 |
| Noninterest expense to average assets | 2.6654% | 4,868 |
| Loan and lease loss provision to assets | -0.1070% | 7,281 |
| Net operating income to assets | 0.7206% | 3,385 |
| Return on assets (ROA) | 0.7206% | 3,554 |
| Pretax return on assets | 1.1644% | 2,599 |
| Return on Equity (ROE) | 6.7591% | 3,515 |
| Retained earnings to average equity (ytd only) | 5.4207% | 2,354 |
| Net charge-offs to loans | 0.3327% | 3,734 |
| Credit loss provision to net charge-offs | -60.0000% | 6,676 |
| Earnings coverage of net charge-offs (x) | 5.9280% | 2,640 |
| Efficiency ratio | 71.5983% | 3,660 |
| Assets per employee ($millions) | 5.1078% | 2,048 |
| Cash dividends to net income (ytd only)* | 19.8020% | 3,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9563% | 2,404 |
| Loan loss allowance to noncurrent loans | 880.7692% | 436 |
| Noncurrent assets plus other real estate owned to assets | 2.0858% | 2,860 |
| Noncurrent loans to loans | 0.2221% | 6,295 |
| Net loans and leases to total assets | 51.8531% | 5,335 |
| Net loans and leases to deposits | 60.3925% | 5,445 |
| Net loans and leases to core deposits | 103.3623% | 939 |
| Total domestic deposits to total assets | 85.8602% | 3,394 |
| Equity capital to assets | 11.7724% | 2,287 |
| Core capital (leverage) ratio | 10.6290% | 2,585 |
| Tier 1 risk-based capital ratio | 19.4510% | 1,778 |
| Total risk-based capital ratio | 20.7168% | 1,741 |
| Memoranda: | ||
| Average total assets | $70,082,000 | 5,737 |
| Average earning assets | $66,312,800 | 5,655 |
| Average equity | $7,471,400 | 5,726 |
| Average total loans | $37,577,000 | 5,809 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6510% | 4,672 |
| Cost of funding earning assets | 0.9711% | 3,884 |
| Net interest margin | 3.6799% | 4,429 |
| Noninterest income to average assets | 0.3624% | 4,970 |
| Noninterest expense to average assets | 2.5182% | 5,405 |
| Loan and lease loss provision to assets | 0.1671% | 4,385 |
| Net operating income to assets | 0.6929% | 3,659 |
| Return on assets (ROA) | 0.6929% | 3,828 |
| Pretax return on assets | 1.1568% | 2,798 |
| Return on Equity (ROE) | 6.6620% | 3,684 |
| Retained earnings to average equity (ytd only) | 6.6620% | 2,156 |
| Net charge-offs to loans | 0.4469% | 2,937 |
| Credit loss provision to net charge-offs | 69.5313% | 4,498 |
| Earnings coverage of net charge-offs (x) | 5.5079% | 2,766 |
| Efficiency ratio | 65.5425% | 4,798 |
| Assets per employee ($millions) | 5.7767% | 1,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2854% | 1,719 |
| Loan loss allowance to noncurrent loans | 2,122.5000% | 203 |
| Noncurrent assets plus other real estate owned to assets | 1.9921% | 3,150 |
| Noncurrent loans to loans | 0.1077% | 6,659 |
| Net loans and leases to total assets | 48.3375% | 5,916 |
| Net loans and leases to deposits | 56.7134% | 5,959 |
| Net loans and leases to core deposits | 87.6409% | 2,538 |
| Total domestic deposits to total assets | 85.2311% | 3,658 |
| Equity capital to assets | 10.2627% | 4,006 |
| Core capital (leverage) ratio | 9.8835% | 3,600 |
| Tier 1 risk-based capital ratio | 18.4937% | 2,091 |
| Total risk-based capital ratio | 19.7548% | 2,050 |
| Memoranda: | ||
| Average total assets | $71,002,250 | 5,758 |
| Average earning assets | $67,138,500 | 5,679 |
| Average equity | $7,385,000 | 5,786 |
| Average total loans | $38,191,750 | 5,830 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6407% | 4,790 |
| Cost of funding earning assets | 0.9738% | 4,132 |
| Net interest margin | 3.6669% | 4,430 |
| Noninterest income to average assets | 0.4768% | 4,053 |
| Noninterest expense to average assets | 2.7083% | 4,791 |
| Loan and lease loss provision to assets | 0.2556% | 3,354 |
| Net operating income to assets | 0.5801% | 4,156 |
| Return on assets (ROA) | 0.5801% | 4,285 |
| Pretax return on assets | 0.9736% | 3,341 |
| Return on Equity (ROE) | 5.5512% | 4,185 |
| Retained earnings to average equity (ytd only) | 5.5512% | 2,665 |
| Net charge-offs to loans | 0.5449% | 2,468 |
| Credit loss provision to net charge-offs | 84.7619% | 3,625 |
| Earnings coverage of net charge-offs (x) | 4.0762% | 2,972 |
| Efficiency ratio | 68.7819% | 4,371 |
| Assets per employee ($millions) | 6.1601% | 1,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2906% | 1,759 |
| Loan loss allowance to noncurrent loans | 194.4196% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 2.1712% | 3,022 |
| Noncurrent loans to loans | 1.1782% | 4,683 |
| Net loans and leases to total assets | 50.2618% | 5,792 |
| Net loans and leases to deposits | 56.9986% | 6,052 |
| Net loans and leases to core deposits | 89.3899% | 2,451 |
| Total domestic deposits to total assets | 88.1806% | 2,025 |
| Equity capital to assets | 9.9999% | 4,150 |
| Core capital (leverage) ratio | 9.1866% | 4,437 |
| Tier 1 risk-based capital ratio | 16.8731% | 2,575 |
| Total risk-based capital ratio | 18.1317% | 2,544 |
| Memoranda: | ||
| Average total assets | $69,637,330 | 5,838 |
| Average earning assets | $65,722,670 | 5,766 |
| Average equity | $7,277,670 | 5,846 |
| Average total loans | $38,539,330 | 5,866 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7135% | 4,462 |
| Cost of funding earning assets | 0.9930% | 4,248 |
| Net interest margin | 3.7205% | 3,995 |
| Noninterest income to average assets | 0.8475% | 1,860 |
| Noninterest expense to average assets | 2.6194% | 5,156 |
| Loan and lease loss provision to assets | 0.5274% | 1,647 |
| Net operating income to assets | 0.7230% | 3,415 |
| Return on assets (ROA) | 0.7230% | 3,480 |
| Pretax return on assets | 1.2090% | 2,343 |
| Return on Equity (ROE) | 6.7585% | 3,503 |
| Retained earnings to average equity (ytd only) | 6.7585% | 2,255 |
| Net charge-offs to loans | 1.1857% | 1,173 |
| Credit loss provision to net charge-offs | 77.3913% | 3,208 |
| Earnings coverage of net charge-offs (x) | 2.5478% | 3,063 |
| Efficiency ratio | 60.1361% | 5,965 |
| Assets per employee ($millions) | 5.6483% | 1,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2787% | 1,800 |
| Loan loss allowance to noncurrent loans | 167.1845% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 2.4299% | 2,799 |
| Noncurrent loans to loans | 1.3630% | 4,432 |
| Net loans and leases to total assets | 54.4762% | 5,233 |
| Net loans and leases to deposits | 62.2980% | 5,462 |
| Net loans and leases to core deposits | 94.2227% | 1,863 |
| Total domestic deposits to total assets | 87.4447% | 2,689 |
| Equity capital to assets | 10.7215% | 2,962 |
| Core capital (leverage) ratio | 10.5062% | 2,605 |
| Tier 1 risk-based capital ratio | 18.1377% | 2,075 |
| Total risk-based capital ratio | 19.3990% | 2,036 |
| Memoranda: | ||
| Average total assets | $67,495,500 | 5,947 |
| Average earning assets | $63,647,000 | 5,874 |
| Average equity | $7,220,500 | 5,864 |
| Average total loans | $38,796,500 | 5,900 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9136% | 4,954 |
| Cost of funding earning assets | 1.1096% | 5,089 |
| Net interest margin | 3.8040% | 3,925 |
| Noninterest income to average assets | -0.8504% | 7,611 |
| Noninterest expense to average assets | 2.7115% | 4,940 |
| Loan and lease loss provision to assets | 0.8894% | 1,840 |
| Net operating income to assets | -0.6817% | 6,502 |
| Return on assets (ROA) | -1.5628% | 6,950 |
| Pretax return on assets | -1.9727% | 7,020 |
| Return on Equity (ROE) | -14.5418% | 6,904 |
| Retained earnings to average equity (ytd only) | -14.5418% | 6,866 |
| Net charge-offs to loans | 1.0195% | 2,156 |
| Credit loss provision to net charge-offs | 150.1176% | 2,409 |
| Earnings coverage of net charge-offs (x) | 0.0541% | 6,062 |
| Efficiency ratio | 98.8313% | 829 |
| Assets per employee ($millions) | 5.6009% | 1,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2282% | 1,824 |
| Loan loss allowance to noncurrent loans | 127.6259% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 2.7049% | 2,577 |
| Noncurrent loans to loans | 1.7459% | 3,886 |
| Net loans and leases to total assets | 57.9087% | 5,040 |
| Net loans and leases to deposits | 66.7988% | 5,292 |
| Net loans and leases to core deposits | 103.3374% | 1,363 |
| Total domestic deposits to total assets | 86.6912% | 2,986 |
| Equity capital to assets | 10.6738% | 2,988 |
| Core capital (leverage) ratio | 10.4166% | 2,653 |
| Tier 1 risk-based capital ratio | 17.2703% | 2,238 |
| Total risk-based capital ratio | 18.5320% | 2,204 |
| Memoranda: | ||
| Average total assets | $71,730,400 | 5,822 |
| Average earning assets | $67,771,600 | 5,746 |
| Average equity | $7,708,800 | 5,802 |
| Average total loans | $41,685,400 | 5,849 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9027% | 5,254 |
| Cost of funding earning assets | 1.1230% | 5,299 |
| Net interest margin | 3.7796% | 4,058 |
| Noninterest income to average assets | -0.2269% | 7,606 |
| Noninterest expense to average assets | 2.5857% | 5,379 |
| Loan and lease loss provision to assets | 1.4914% | 897 |
| Net operating income to assets | -0.3825% | 6,504 |
| Return on assets (ROA) | -1.3194% | 7,068 |
| Pretax return on assets | -2.1959% | 7,250 |
| Return on Equity (ROE) | -12.2577% | 7,020 |
| Retained earnings to average equity (ytd only) | -12.2577% | 6,982 |
| Net charge-offs to loans | 1.3442% | 1,509 |
| Credit loss provision to net charge-offs | 191.7647% | 1,868 |
| Earnings coverage of net charge-offs (x) | 0.9765% | 5,083 |
| Efficiency ratio | 77.2976% | 2,724 |
| Assets per employee ($millions) | 5.7721% | 1,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5119% | 1,307 |
| Loan loss allowance to noncurrent loans | 82.2892% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 3.1213% | 2,313 |
| Noncurrent loans to loans | 3.0526% | 2,619 |
| Net loans and leases to total assets | 59.6174% | 4,979 |
| Net loans and leases to deposits | 68.9866% | 5,276 |
| Net loans and leases to core deposits | 106.0997% | 1,315 |
| Total domestic deposits to total assets | 86.4188% | 2,842 |
| Equity capital to assets | 11.0546% | 2,910 |
| Core capital (leverage) ratio | 10.6988% | 2,514 |
| Tier 1 risk-based capital ratio | 17.1320% | 2,293 |
| Total risk-based capital ratio | 18.3854% | 2,257 |
| Memoranda: | ||
| Average total assets | $72,860,250 | 5,860 |
| Average earning assets | $68,858,500 | 5,778 |
| Average equity | $7,842,500 | 5,847 |
| Average total loans | $42,154,750 | 5,912 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7950% | 5,812 |
| Cost of funding earning assets | 1.1239% | 5,558 |
| Net interest margin | 3.6711% | 4,493 |
| Noninterest income to average assets | -0.3835% | 7,731 |
| Noninterest expense to average assets | 2.5844% | 5,382 |
| Loan and lease loss provision to assets | 0.3322% | 3,741 |
| Net operating income to assets | 0.1917% | 5,589 |
| Return on assets (ROA) | -1.1909% | 7,042 |
| Pretax return on assets | -1.9849% | 7,231 |
| Return on Equity (ROE) | -11.1584% | 7,007 |
| Retained earnings to average equity (ytd only) | -11.1584% | 6,961 |
| Net charge-offs to loans | 0.2376% | 4,178 |
| Credit loss provision to net charge-offs | 246.0000% | 1,562 |
| Earnings coverage of net charge-offs (x) | 3.7600% | 3,189 |
| Efficiency ratio | 83.5808% | 1,968 |
| Assets per employee ($millions) | 6.0282% | 1,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7156% | 3,019 |
| Loan loss allowance to noncurrent loans | 41.3755% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 3.0675% | 2,319 |
| Noncurrent loans to loans | 4.1464% | 1,802 |
| Net loans and leases to total assets | 59.0796% | 5,235 |
| Net loans and leases to deposits | 68.8019% | 5,441 |
| Net loans and leases to core deposits | 107.5469% | 1,339 |
| Total domestic deposits to total assets | 85.8691% | 3,167 |
| Equity capital to assets | 10.9666% | 2,895 |
| Core capital (leverage) ratio | 10.6305% | 2,517 |
| Tier 1 risk-based capital ratio | 16.7282% | 2,391 |
| Total risk-based capital ratio | 17.9837% | 2,336 |
| Memoranda: | ||
| Average total assets | $74,058,670 | 5,864 |
| Average earning assets | $70,114,330 | 5,770 |
| Average equity | $7,904,330 | 5,835 |
| Average total loans | $42,087,000 | 5,951 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7253% | 6,152 |
| Cost of funding earning assets | 1.1461% | 5,676 |
| Net interest margin | 3.5793% | 4,815 |
| Noninterest income to average assets | 0.0908% | 7,254 |
| Noninterest expense to average assets | 2.5361% | 5,594 |
| Loan and lease loss provision to assets | 0.0320% | 6,356 |
| Net operating income to assets | 0.5446% | 4,156 |
| Return on assets (ROA) | 0.5446% | 4,294 |
| Pretax return on assets | 0.9076% | 3,439 |
| Return on Equity (ROE) | 5.1711% | 4,276 |
| Retained earnings to average equity (ytd only) | 5.1711% | 3,060 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9647% | 3,766 |
| Assets per employee ($millions) | 6.2313% | 1,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6390% | 3,294 |
| Loan loss allowance to noncurrent loans | 23.8596% | 6,804 |
| Noncurrent assets plus other real estate owned to assets | 4.9922% | 1,290 |
| Noncurrent loans to loans | 6.8693% | 878 |
| Net loans and leases to total assets | 54.5750% | 5,943 |
| Net loans and leases to deposits | 63.1005% | 6,158 |
| Net loans and leases to core deposits | 96.0958% | 2,575 |
| Total domestic deposits to total assets | 86.4890% | 2,901 |
| Equity capital to assets | 10.6211% | 3,127 |
| Core capital (leverage) ratio | 10.6211% | 2,522 |
| Tier 1 risk-based capital ratio | 17.6532% | 2,037 |
| Total risk-based capital ratio | 18.9068% | 2,009 |
| Memoranda: | ||
| Average total assets | $74,919,000 | 5,910 |
| Average earning assets | $70,852,000 | 5,818 |
| Average equity | $7,890,000 | 5,884 |
| Average total loans | $41,389,000 | 6,054 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5336% | 3,973 |
| Cost of funding earning assets | 1.6644% | 4,705 |
| Net interest margin | 3.8691% | 3,400 |
| Noninterest income to average assets | 0.4770% | 4,596 |
| Noninterest expense to average assets | 2.6595% | 5,555 |
| Loan and lease loss provision to assets | 0.5052% | 3,851 |
| Net operating income to assets | 0.6585% | 3,106 |
| Return on assets (ROA) | 0.5516% | 3,607 |
| Pretax return on assets | 0.7795% | 3,305 |
| Return on Equity (ROE) | 6.3831% | 3,038 |
| Retained earnings to average equity (ytd only) | 6.3831% | 1,196 |
| Net charge-offs to loans | 0.7052% | 3,073 |
| Credit loss provision to net charge-offs | 113.9683% | 4,806 |
| Earnings coverage of net charge-offs (x) | 3.2381% | 3,438 |
| Efficiency ratio | 64.9485% | 5,593 |
| Assets per employee ($millions) | 6.2552% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6324% | 3,155 |
| Loan loss allowance to noncurrent loans | 29.6004% | 6,498 |
| Noncurrent assets plus other real estate owned to assets | 4.2099% | 1,553 |
| Noncurrent loans to loans | 5.5148% | 1,168 |
| Net loans and leases to total assets | 54.1086% | 6,185 |
| Net loans and leases to deposits | 62.8832% | 6,375 |
| Net loans and leases to core deposits | 83.2496% | 5,796 |
| Total domestic deposits to total assets | 86.0462% | 2,992 |
| Equity capital to assets | 10.4420% | 3,250 |
| Core capital (leverage) ratio | 10.4420% | 2,659 |
| Tier 1 risk-based capital ratio | 17.7399% | 1,962 |
| Total risk-based capital ratio | 18.9915% | 1,917 |
| Memoranda: | ||
| Average total assets | $71,067,200 | 5,972 |
| Average earning assets | $66,448,800 | 5,921 |
| Average equity | $6,141,200 | 6,554 |
| Average total loans | $44,667,200 | 5,895 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7400% | 3,138 |
| Cost of funding earning assets | 1.7637% | 4,567 |
| Net interest margin | 3.9764% | 2,911 |
| Noninterest income to average assets | 0.6184% | 3,561 |
| Noninterest expense to average assets | 2.7001% | 5,329 |
| Loan and lease loss provision to assets | 0.3330% | 4,342 |
| Net operating income to assets | 0.7830% | 2,886 |
| Return on assets (ROA) | 0.6527% | 3,457 |
| Pretax return on assets | 1.0884% | 2,616 |
| Return on Equity (ROE) | 7.9993% | 2,634 |
| Retained earnings to average equity (ytd only) | 7.9993% | 1,135 |
| Net charge-offs to loans | 0.0879% | 5,809 |
| Credit loss provision to net charge-offs | 583.3333% | 665 |
| Earnings coverage of net charge-offs (x) | 28.4660% | 966 |
| Efficiency ratio | 62.4285% | 6,030 |
| Assets per employee ($millions) | 5.6130% | 1,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8009% | 2,271 |
| Loan loss allowance to noncurrent loans | 425.8242% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.2494% | 6,890 |
| Noncurrent loans to loans | 0.4229% | 6,488 |
| Net loans and leases to total assets | 57.9150% | 5,904 |
| Net loans and leases to deposits | 65.7130% | 6,334 |
| Net loans and leases to core deposits | 80.6874% | 6,293 |
| Total domestic deposits to total assets | 88.1333% | 1,602 |
| Equity capital to assets | 8.2843% | 6,523 |
| Core capital (leverage) ratio | 8.2843% | 5,863 |
| Tier 1 risk-based capital ratio | 13.8695% | 3,620 |
| Total risk-based capital ratio | 15.1268% | 3,562 |
| Memoranda: | ||
| Average total assets | $70,068,500 | 6,041 |
| Average earning assets | $65,317,250 | 5,990 |
| Average equity | $5,717,000 | 6,772 |
| Average total loans | $45,511,750 | 5,902 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9270% | 2,469 |
| Cost of funding earning assets | 1.8993% | 4,270 |
| Net interest margin | 4.0278% | 2,590 |
| Noninterest income to average assets | 0.8654% | 2,120 |
| Noninterest expense to average assets | 2.7843% | 5,029 |
| Loan and lease loss provision to assets | 0.4747% | 3,147 |
| Net operating income to assets | 0.8060% | 2,833 |
| Return on assets (ROA) | 0.6078% | 3,755 |
| Pretax return on assets | 1.0101% | 2,971 |
| Return on Equity (ROE) | 7.4897% | 2,986 |
| Retained earnings to average equity (ytd only) | 7.4897% | 1,392 |
| Net charge-offs to loans | 0.0345% | 5,979 |
| Credit loss provision to net charge-offs | 2,050.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 77.5000% | 496 |
| Efficiency ratio | 60.8091% | 6,426 |
| Assets per employee ($millions) | 5.3057% | 1,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7375% | 2,219 |
| Loan loss allowance to noncurrent loans | 437.2222% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.2610% | 6,824 |
| Noncurrent loans to loans | 0.3974% | 6,518 |
| Net loans and leases to total assets | 64.5272% | 4,872 |
| Net loans and leases to deposits | 74.8545% | 5,337 |
| Net loans and leases to core deposits | 93.1089% | 5,226 |
| Total domestic deposits to total assets | 86.2035% | 2,676 |
| Equity capital to assets | 8.3553% | 6,258 |
| Core capital (leverage) ratio | 8.3553% | 5,700 |
| Tier 1 risk-based capital ratio | 12.9815% | 4,162 |
| Total risk-based capital ratio | 14.2384% | 4,077 |
| Memoranda: | ||
| Average total assets | $69,101,670 | 6,106 |
| Average earning assets | $63,708,000 | 6,084 |
| Average equity | $5,607,670 | 6,861 |
| Average total loans | $46,337,330 | 5,920 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0886% | 1,982 |
| Cost of funding earning assets | 2.0359% | 3,947 |
| Net interest margin | 4.0527% | 2,444 |
| Noninterest income to average assets | 0.1619% | 7,149 |
| Noninterest expense to average assets | 2.8627% | 4,289 |
| Loan and lease loss provision to assets | 0.0463% | 6,392 |
| Net operating income to assets | 0.5811% | 4,099 |
| Return on assets (ROA) | 0.1851% | 5,878 |
| Pretax return on assets | 0.3065% | 5,668 |
| Return on Equity (ROE) | 2.3146% | 5,658 |
| Retained earnings to average equity (ytd only) | 2.3146% | 4,590 |
| Net charge-offs to loans | 0.0683% | 4,518 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,348 |
| Efficiency ratio | 74.6606% | 3,710 |
| Assets per employee ($millions) | 5.2814% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0399% | 1,338 |
| Loan loss allowance to noncurrent loans | 339.7163% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.4107% | 6,265 |
| Noncurrent loans to loans | 0.6005% | 5,894 |
| Net loans and leases to total assets | 67.0075% | 4,343 |
| Net loans and leases to deposits | 78.1047% | 4,907 |
| Net loans and leases to core deposits | 98.7444% | 4,670 |
| Total domestic deposits to total assets | 85.7919% | 2,828 |
| Equity capital to assets | 8.1214% | 6,648 |
| Core capital (leverage) ratio | 8.1214% | 6,253 |
| Tier 1 risk-based capital ratio | 11.8113% | 5,116 |
| Total risk-based capital ratio | 13.0632% | 5,026 |
| Memoranda: | ||
| Average total assets | $69,165,500 | 6,136 |
| Average earning assets | $62,675,000 | 6,150 |
| Average equity | $5,530,000 | 6,934 |
| Average total loans | $46,859,000 | 5,920 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3965% | 3,436 |
| Cost of funding earning assets | 2.5399% | 4,001 |
| Net interest margin | 3.8566% | 3,766 |
| Noninterest income to average assets | 0.2051% | 6,975 |
| Noninterest expense to average assets | 2.4725% | 6,117 |
| Loan and lease loss provision to assets | 0.4472% | 3,054 |
| Net operating income to assets | 0.5996% | 4,304 |
| Return on assets (ROA) | 0.4700% | 4,691 |
| Pretax return on assets | 0.7235% | 4,321 |
| Return on Equity (ROE) | 5.9323% | 3,971 |
| Retained earnings to average equity (ytd only) | 5.9323% | 1,560 |
| Net charge-offs to loans | 0.0803% | 5,617 |
| Credit loss provision to net charge-offs | 872.2222% | 506 |
| Earnings coverage of net charge-offs (x) | 26.7222% | 1,272 |
| Efficiency ratio | 64.3440% | 5,489 |
| Assets per employee ($millions) | 5.8061% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0512% | 1,145 |
| Loan loss allowance to noncurrent loans | 340.0709% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.4047% | 6,003 |
| Noncurrent loans to loans | 0.6032% | 5,566 |
| Net loans and leases to total assets | 65.7285% | 4,909 |
| Net loans and leases to deposits | 77.0311% | 5,470 |
| Net loans and leases to core deposits | 97.7669% | 5,060 |
| Total domestic deposits to total assets | 85.3272% | 2,693 |
| Equity capital to assets | 7.8711% | 7,012 |
| Core capital (leverage) ratio | 7.8711% | 6,694 |
| Tier 1 risk-based capital ratio | 11.3327% | 5,405 |
| Total risk-based capital ratio | 12.5829% | 5,311 |
| Memoranda: | ||
| Average total assets | $70,213,600 | 6,035 |
| Average earning assets | $66,224,000 | 5,959 |
| Average equity | $5,562,800 | 6,962 |
| Average total loans | $44,842,800 | 5,932 |