Home > 1st Bank of Troy > Performance and Condition Ratios
1st Bank of Troy, 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 | 3.1273% | 6,375 |
| Cost of funding earning assets | 0.3689% | 5,380 |
| Net interest margin | 2.7584% | 6,117 |
| Noninterest income to average assets | 0.4534% | 4,101 |
| Noninterest expense to average assets | 1.8588% | 6,350 |
| Loan and lease loss provision to assets | 1.2241% | 129 |
| Net operating income to assets | 0.0453% | 6,264 |
| Return on assets (ROA) | 0.0453% | 6,348 |
| Pretax return on assets | -0.0302% | 6,432 |
| Return on Equity (ROE) | 0.5074% | 6,330 |
| Retained earnings to average equity (ytd only) | 0.5074% | 5,623 |
| Net charge-offs to loans | -0.3311% | 6,794 |
| Credit loss provision to net charge-offs | -1,012.5000% | 5,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8911% | 5,460 |
| Assets per employee ($millions) | 4.1663% | 3,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9130% | 6,230 |
| Loan loss allowance to noncurrent loans | 21.7949% | 6,299 |
| Noncurrent assets plus other real estate owned to assets | 1.5601% | 2,924 |
| Noncurrent loans to loans | 4.1890% | 1,050 |
| Net loans and leases to total assets | 36.9030% | 6,232 |
| Net loans and leases to deposits | 40.7951% | 6,386 |
| Net loans and leases to core deposits | 40.7951% | 6,450 |
| Total domestic deposits to total assets | 90.4592% | 787 |
| Equity capital to assets | 9.4408% | 4,939 |
| Core capital (leverage) ratio | 8.9280% | 5,009 |
| Tier 1 risk-based capital ratio | 14.5927% | 4,110 |
| Total risk-based capital ratio | 15.1145% | 4,563 |
| Memoranda: | ||
| Average total assets | $26,468,500 | 6,790 |
| Average earning assets | $24,942,000 | 6,746 |
| Average equity | $2,365,000 | 6,839 |
| Average total loans | $9,663,500 | 6,789 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9406% | 5,469 |
| Cost of funding earning assets | 0.5073% | 5,165 |
| Net interest margin | 3.4333% | 4,767 |
| Noninterest income to average assets | 0.7697% | 2,394 |
| Noninterest expense to average assets | 3.9776% | 1,000 |
| Loan and lease loss provision to assets | 0.3360% | 2,001 |
| Net operating income to assets | -0.4689% | 6,548 |
| Return on assets (ROA) | -0.3399% | 6,520 |
| Pretax return on assets | -0.1094% | 6,368 |
| Return on Equity (ROE) | -3.9488% | 6,550 |
| Retained earnings to average equity (ytd only) | -14.0704% | 6,756 |
| Net charge-offs to loans | 1.6201% | 524 |
| Credit loss provision to net charge-offs | 49.4253% | 4,718 |
| Earnings coverage of net charge-offs (x) | 0.1437% | 5,421 |
| Efficiency ratio | 97.6031% | 641 |
| Assets per employee ($millions) | 4.6565% | 2,697 |
| Cash dividends to net income (ytd only)* | -256.3218% | 7,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0399% | 7,001 |
| Loan loss allowance to noncurrent loans | 1.3514% | 6,575 |
| Noncurrent assets plus other real estate owned to assets | 1.0595% | 3,909 |
| Noncurrent loans to loans | 2.9550% | 1,767 |
| Net loans and leases to total assets | 35.8388% | 6,445 |
| Net loans and leases to deposits | 39.1975% | 6,587 |
| Net loans and leases to core deposits | 39.1975% | 6,638 |
| Total domestic deposits to total assets | 91.4313% | 358 |
| Equity capital to assets | 8.4828% | 6,065 |
| Core capital (leverage) ratio | 9.3228% | 4,374 |
| Tier 1 risk-based capital ratio | 13.5072% | 4,747 |
| Total risk-based capital ratio | 13.5299% | 5,566 |
| Memoranda: | ||
| Average total assets | $25,593,400 | 6,853 |
| Average earning assets | $24,641,000 | 6,800 |
| Average equity | $2,203,200 | 6,928 |
| Average total loans | $10,740,000 | 6,815 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1090% | 5,154 |
| Cost of funding earning assets | 0.5501% | 5,088 |
| Net interest margin | 3.5589% | 4,402 |
| Noninterest income to average assets | 0.8051% | 2,215 |
| Noninterest expense to average assets | 3.6255% | 1,510 |
| Loan and lease loss provision to assets | 0.1600% | 3,516 |
| Net operating income to assets | 0.3443% | 5,456 |
| Return on assets (ROA) | 0.4745% | 5,199 |
| Pretax return on assets | 0.6451% | 5,027 |
| Return on Equity (ROE) | 5.4897% | 4,604 |
| Retained earnings to average equity (ytd only) | 0.8638% | 5,819 |
| Net charge-offs to loans | -0.0244% | 6,538 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2130% | 1,458 |
| Assets per employee ($millions) | 3.4700% | 5,037 |
| Cash dividends to net income (ytd only)* | 84.2744% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0835% | 1,949 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 43.5323% | 6,003 |
| Net loans and leases to deposits | 47.9503% | 6,263 |
| Net loans and leases to core deposits | 47.9503% | 6,416 |
| Total domestic deposits to total assets | 90.7863% | 484 |
| Equity capital to assets | 8.9955% | 5,830 |
| Core capital (leverage) ratio | 8.5970% | 5,627 |
| Tier 1 risk-based capital ratio | 12.2606% | 5,799 |
| Total risk-based capital ratio | 13.5104% | 5,770 |
| Memoranda: | ||
| Average total assets | $25,007,000 | 6,956 |
| Average earning assets | $24,239,000 | 6,897 |
| Average equity | $2,161,500 | 7,023 |
| Average total loans | $10,920,750 | 6,901 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0025% | 5,627 |
| Cost of funding earning assets | 0.5881% | 5,004 |
| Net interest margin | 3.4143% | 5,025 |
| Noninterest income to average assets | 0.7526% | 2,405 |
| Noninterest expense to average assets | 3.6600% | 1,449 |
| Loan and lease loss provision to assets | 0.2377% | 2,695 |
| Net operating income to assets | 0.1128% | 6,125 |
| Return on assets (ROA) | 0.2852% | 5,864 |
| Pretax return on assets | 0.4199% | 5,661 |
| Return on Equity (ROE) | 3.3431% | 5,545 |
| Retained earnings to average equity (ytd only) | -3.6217% | 6,522 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0585% | 1,063 |
| Assets per employee ($millions) | 3.5019% | 4,981 |
| Cash dividends to net income (ytd only)* | 208.3333% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8556% | 2,688 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 43.5850% | 6,057 |
| Net loans and leases to deposits | 47.8738% | 6,319 |
| Net loans and leases to core deposits | 47.8738% | 6,470 |
| Total domestic deposits to total assets | 91.0415% | 432 |
| Equity capital to assets | 8.7301% | 5,993 |
| Core capital (leverage) ratio | 7.8960% | 6,378 |
| Tier 1 risk-based capital ratio | 11.8586% | 6,024 |
| Total risk-based capital ratio | 13.0180% | 6,061 |
| Memoranda: | ||
| Average total assets | $25,246,000 | 7,003 |
| Average earning assets | $24,485,000 | 6,945 |
| Average equity | $2,153,670 | 7,073 |
| Average total loans | $10,961,330 | 6,966 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0978% | 5,463 |
| Cost of funding earning assets | 0.6453% | 4,772 |
| Net interest margin | 3.4524% | 4,906 |
| Noninterest income to average assets | 0.7496% | 2,401 |
| Noninterest expense to average assets | 2.9204% | 3,538 |
| Loan and lease loss provision to assets | 0.4685% | 1,309 |
| Net operating income to assets | 0.6645% | 4,052 |
| Return on assets (ROA) | 0.8277% | 3,498 |
| Pretax return on assets | 0.8746% | 4,132 |
| Return on Equity (ROE) | 9.8125% | 2,465 |
| Retained earnings to average equity (ytd only) | 2.4069% | 5,063 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3740% | 3,562 |
| Assets per employee ($millions) | 3.7500% | 4,535 |
| Cash dividends to net income (ytd only)* | 75.4717% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8871% | 2,717 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 40.0076% | 6,351 |
| Net loans and leases to deposits | 43.6928% | 6,574 |
| Net loans and leases to core deposits | 43.6928% | 6,667 |
| Total domestic deposits to total assets | 91.5657% | 359 |
| Equity capital to assets | 8.2324% | 6,331 |
| Core capital (leverage) ratio | 7.9580% | 6,291 |
| Tier 1 risk-based capital ratio | 11.7357% | 6,136 |
| Total risk-based capital ratio | 12.8555% | 6,196 |
| Memoranda: | ||
| Average total assets | $25,612,500 | 7,060 |
| Average earning assets | $24,794,000 | 6,988 |
| Average equity | $2,160,500 | 7,122 |
| Average total loans | $10,999,000 | 7,023 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6737% | 4,357 |
| Cost of funding earning assets | 0.8648% | 4,355 |
| Net interest margin | 3.8089% | 3,773 |
| Noninterest income to average assets | 0.8999% | 1,671 |
| Noninterest expense to average assets | 3.7933% | 1,359 |
| Loan and lease loss provision to assets | 0.3401% | 2,976 |
| Net operating income to assets | 0.4056% | 4,836 |
| Return on assets (ROA) | 0.4220% | 4,958 |
| Pretax return on assets | 0.4435% | 5,154 |
| Return on Equity (ROE) | 4.5932% | 4,577 |
| Retained earnings to average equity (ytd only) | 0.6093% | 5,559 |
| Net charge-offs to loans | 0.1739% | 4,757 |
| Credit loss provision to net charge-offs | 415.7895% | 552 |
| Earnings coverage of net charge-offs (x) | 9.3684% | 1,995 |
| Efficiency ratio | 83.1917% | 1,862 |
| Assets per employee ($millions) | 3.5679% | 4,847 |
| Cash dividends to net income (ytd only)* | 86.7347% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5229% | 3,917 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 44.5325% | 6,158 |
| Net loans and leases to deposits | 48.9309% | 6,437 |
| Net loans and leases to core deposits | 48.9309% | 6,595 |
| Total domestic deposits to total assets | 91.0110% | 506 |
| Equity capital to assets | 8.6486% | 5,958 |
| Core capital (leverage) ratio | 8.6487% | 5,318 |
| Tier 1 risk-based capital ratio | 11.7081% | 6,018 |
| Total risk-based capital ratio | 12.6648% | 6,203 |
| Memoranda: | ||
| Average total assets | $23,225,400 | 7,142 |
| Average earning assets | $22,316,200 | 7,098 |
| Average equity | $2,133,600 | 7,192 |
| Average total loans | $10,923,000 | 7,084 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7607% | 4,185 |
| Cost of funding earning assets | 0.8961% | 4,427 |
| Net interest margin | 3.8646% | 3,549 |
| Noninterest income to average assets | 0.8835% | 1,709 |
| Noninterest expense to average assets | 3.6041% | 1,701 |
| Loan and lease loss provision to assets | 0.4622% | 2,145 |
| Net operating income to assets | 0.5154% | 4,471 |
| Return on assets (ROA) | 0.5383% | 4,560 |
| Pretax return on assets | 0.5500% | 4,974 |
| Return on Equity (ROE) | 5.7668% | 4,132 |
| Retained earnings to average equity (ytd only) | 1.3789% | 5,451 |
| Net charge-offs to loans | 0.2339% | 3,963 |
| Credit loss provision to net charge-offs | 415.7895% | 682 |
| Earnings coverage of net charge-offs (x) | 8.8958% | 2,114 |
| Efficiency ratio | 78.4713% | 2,483 |
| Assets per employee ($millions) | 3.2124% | 5,645 |
| Cash dividends to net income (ytd only)* | 76.0884% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5137% | 4,032 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 49.7665% | 5,736 |
| Net loans and leases to deposits | 55.4092% | 6,081 |
| Net loans and leases to core deposits | 55.4092% | 6,355 |
| Total domestic deposits to total assets | 89.8163% | 966 |
| Equity capital to assets | 9.7434% | 4,715 |
| Core capital (leverage) ratio | 9.2638% | 4,521 |
| Tier 1 risk-based capital ratio | 12.8409% | 5,211 |
| Total risk-based capital ratio | 13.8857% | 5,367 |
| Memoranda: | ||
| Average total assets | $22,788,000 | 7,221 |
| Average earning assets | $21,873,250 | 7,184 |
| Average equity | $2,127,000 | 7,264 |
| Average total loans | $10,830,250 | 7,158 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7217% | 4,440 |
| Cost of funding earning assets | 0.9133% | 4,561 |
| Net interest margin | 3.8085% | 3,739 |
| Noninterest income to average assets | 0.8825% | 1,706 |
| Noninterest expense to average assets | 3.8011% | 1,343 |
| Loan and lease loss provision to assets | 0.4806% | 2,055 |
| Net operating income to assets | 0.1524% | 5,874 |
| Return on assets (ROA) | 0.1748% | 5,915 |
| Pretax return on assets | 0.2796% | 5,714 |
| Return on Equity (ROE) | 1.8996% | 5,820 |
| Retained earnings to average equity (ytd only) | -4.7491% | 6,543 |
| Net charge-offs to loans | -0.0939% | 7,153 |
| Credit loss provision to net charge-offs | -1,100.0000% | 6,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9768% | 1,814 |
| Assets per employee ($millions) | 3.1867% | 5,666 |
| Cash dividends to net income (ytd only)* | 350.0000% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5854% | 3,753 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 47.8639% | 6,065 |
| Net loans and leases to deposits | 53.1247% | 6,380 |
| Net loans and leases to core deposits | 53.1247% | 6,608 |
| Total domestic deposits to total assets | 90.0973% | 923 |
| Equity capital to assets | 9.4589% | 4,873 |
| Core capital (leverage) ratio | 8.9220% | 4,843 |
| Tier 1 risk-based capital ratio | 12.4588% | 5,387 |
| Total risk-based capital ratio | 13.5087% | 5,546 |
| Memoranda: | ||
| Average total assets | $22,888,330 | 7,289 |
| Average earning assets | $21,898,670 | 7,250 |
| Average equity | $2,105,670 | 7,329 |
| Average total loans | $10,652,670 | 7,235 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6077% | 4,912 |
| Cost of funding earning assets | 0.9038% | 4,889 |
| Net interest margin | 3.7039% | 4,079 |
| Noninterest income to average assets | 0.7938% | 2,056 |
| Noninterest expense to average assets | 2.8474% | 4,276 |
| Loan and lease loss provision to assets | 0.5177% | 1,678 |
| Net operating income to assets | 0.8283% | 2,891 |
| Return on assets (ROA) | 0.8283% | 2,953 |
| Pretax return on assets | 1.0354% | 3,003 |
| Return on Equity (ROE) | 9.1276% | 2,420 |
| Retained earnings to average equity (ytd only) | 2.4721% | 4,672 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7059% | 5,239 |
| Assets per employee ($millions) | 3.2740% | 5,541 |
| Cash dividends to net income (ytd only)* | 72.9167% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 4,843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 44.8425% | 6,394 |
| Net loans and leases to deposits | 49.5062% | 6,657 |
| Net loans and leases to core deposits | 49.5062% | 6,804 |
| Total domestic deposits to total assets | 90.5795% | 807 |
| Equity capital to assets | 9.1936% | 4,878 |
| Core capital (leverage) ratio | 8.9884% | 4,630 |
| Tier 1 risk-based capital ratio | 13.8112% | 4,203 |
| Total risk-based capital ratio | 14.7433% | 4,400 |
| Memoranda: | ||
| Average total assets | $23,179,000 | 7,336 |
| Average earning assets | $22,571,000 | 7,279 |
| Average equity | $2,103,500 | 7,380 |
| Average total loans | $10,554,500 | 7,300 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1230% | 3,988 |
| Cost of funding earning assets | 1.0589% | 5,377 |
| Net interest margin | 4.0640% | 2,727 |
| Noninterest income to average assets | 0.9077% | 1,831 |
| Noninterest expense to average assets | 3.6953% | 1,711 |
| Loan and lease loss provision to assets | 0.5529% | 2,925 |
| Net operating income to assets | 0.3610% | 4,706 |
| Return on assets (ROA) | 0.3640% | 4,849 |
| Pretax return on assets | 0.5898% | 4,358 |
| Return on Equity (ROE) | 3.6588% | 4,667 |
| Retained earnings to average equity (ytd only) | 0.1853% | 5,480 |
| Net charge-offs to loans | 1.8850% | 1,094 |
| Credit loss provision to net charge-offs | 56.8720% | 6,138 |
| Earnings coverage of net charge-offs (x) | 1.1706% | 4,937 |
| Efficiency ratio | 76.4538% | 2,976 |
| Assets per employee ($millions) | 3.3486% | 5,313 |
| Cash dividends to net income (ytd only)* | 94.9367% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0477% | 6,160 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 45.1280% | 6,627 |
| Net loans and leases to deposits | 49.6853% | 6,870 |
| Net loans and leases to core deposits | 49.6853% | 6,992 |
| Total domestic deposits to total assets | 90.8276% | 679 |
| Equity capital to assets | 8.9590% | 5,201 |
| Core capital (leverage) ratio | 9.0649% | 4,424 |
| Tier 1 risk-based capital ratio | 13.4573% | 4,243 |
| Total risk-based capital ratio | 14.1781% | 4,632 |
| Memoranda: | ||
| Average total assets | $21,703,400 | 7,431 |
| Average earning assets | $20,964,400 | 7,379 |
| Average equity | $2,159,200 | 7,480 |
| Average total loans | $11,193,600 | 7,341 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2749% | 3,473 |
| Cost of funding earning assets | 1.0797% | 5,550 |
| Net interest margin | 4.1952% | 2,233 |
| Noninterest income to average assets | 0.8964% | 1,815 |
| Noninterest expense to average assets | 3.6421% | 1,691 |
| Loan and lease loss provision to assets | 0.7523% | 2,037 |
| Net operating income to assets | 0.3157% | 5,105 |
| Return on assets (ROA) | 0.3197% | 5,255 |
| Pretax return on assets | 0.5516% | 4,756 |
| Return on Equity (ROE) | 3.1279% | 5,171 |
| Retained earnings to average equity (ytd only) | -1.1651% | 6,042 |
| Net charge-offs to loans | 2.4971% | 680 |
| Credit loss provision to net charge-offs | 56.6038% | 5,773 |
| Earnings coverage of net charge-offs (x) | 0.9764% | 5,084 |
| Efficiency ratio | 73.7310% | 3,373 |
| Assets per employee ($millions) | 3.0269% | 6,094 |
| Cash dividends to net income (ytd only)* | 137.2500% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9477% | 6,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 54.7574% | 5,733 |
| Net loans and leases to deposits | 61.2792% | 6,187 |
| Net loans and leases to core deposits | 61.2792% | 6,518 |
| Total domestic deposits to total assets | 89.3572% | 1,198 |
| Equity capital to assets | 10.2086% | 3,871 |
| Core capital (leverage) ratio | 9.6259% | 3,721 |
| Tier 1 risk-based capital ratio | 13.6739% | 4,071 |
| Total risk-based capital ratio | 14.4075% | 4,435 |
| Memoranda: | ||
| Average total assets | $21,269,250 | 7,529 |
| Average earning assets | $20,499,000 | 7,485 |
| Average equity | $2,174,000 | 7,576 |
| Average total loans | $11,319,500 | 7,432 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3122% | 3,409 |
| Cost of funding earning assets | 1.0722% | 5,815 |
| Net interest margin | 4.2400% | 2,016 |
| Noninterest income to average assets | 0.9579% | 1,487 |
| Noninterest expense to average assets | 3.9068% | 1,175 |
| Loan and lease loss provision to assets | 0.5635% | 2,520 |
| Net operating income to assets | 0.3415% | 5,009 |
| Return on assets (ROA) | 0.3475% | 5,151 |
| Pretax return on assets | 0.5823% | 4,616 |
| Return on Equity (ROE) | 3.3981% | 5,059 |
| Retained earnings to average equity (ytd only) | 0.1837% | 5,673 |
| Net charge-offs to loans | 1.9306% | 950 |
| Credit loss provision to net charge-offs | 55.5556% | 5,306 |
| Earnings coverage of net charge-offs (x) | 1.1204% | 4,669 |
| Efficiency ratio | 77.4674% | 2,819 |
| Assets per employee ($millions) | 2.6800% | 6,810 |
| Cash dividends to net income (ytd only)* | 94.5946% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 4,748 |
| Loan loss allowance to noncurrent loans | 146.2264% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.4944% | 6,220 |
| Noncurrent loans to loans | 0.9134% | 5,453 |
| Net loans and leases to total assets | 53.4049% | 6,061 |
| Net loans and leases to deposits | 59.6820% | 6,443 |
| Net loans and leases to core deposits | 59.6820% | 6,732 |
| Total domestic deposits to total assets | 89.4823% | 1,190 |
| Equity capital to assets | 10.1539% | 3,830 |
| Core capital (leverage) ratio | 9.5740% | 3,710 |
| Tier 1 risk-based capital ratio | 14.0259% | 3,714 |
| Total risk-based capital ratio | 15.0661% | 3,826 |
| Memoranda: | ||
| Average total assets | $21,296,330 | 7,594 |
| Average earning assets | $20,518,670 | 7,544 |
| Average equity | $2,177,670 | 7,632 |
| Average total loans | $11,188,330 | 7,495 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3306% | 3,393 |
| Cost of funding earning assets | 1.0975% | 5,924 |
| Net interest margin | 4.2331% | 1,918 |
| Noninterest income to average assets | 0.8669% | 1,750 |
| Noninterest expense to average assets | 3.1096% | 3,225 |
| Loan and lease loss provision to assets | 0.5654% | 2,234 |
| Net operating income to assets | 1.0177% | 2,122 |
| Return on assets (ROA) | 1.0177% | 2,183 |
| Pretax return on assets | 1.2627% | 2,162 |
| Return on Equity (ROE) | 9.9174% | 2,131 |
| Retained earnings to average equity (ytd only) | 3.4894% | 4,054 |
| Net charge-offs to loans | 2.1494% | 792 |
| Credit loss provision to net charge-offs | 50.8475% | 4,468 |
| Earnings coverage of net charge-offs (x) | 1.6441% | 3,747 |
| Efficiency ratio | 62.9771% | 5,668 |
| Assets per employee ($millions) | 2.6636% | 6,929 |
| Cash dividends to net income (ytd only)* | 64.8148% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5824% | 3,523 |
| Loan loss allowance to noncurrent loans | 110.8280% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.7368% | 5,690 |
| Noncurrent loans to loans | 1.4278% | 4,593 |
| Net loans and leases to total assets | 50.7861% | 6,392 |
| Net loans and leases to deposits | 56.8263% | 6,716 |
| Net loans and leases to core deposits | 56.8263% | 6,946 |
| Total domestic deposits to total assets | 89.3707% | 1,319 |
| Equity capital to assets | 10.2116% | 3,592 |
| Core capital (leverage) ratio | 9.5893% | 3,655 |
| Tier 1 risk-based capital ratio | 14.6057% | 3,313 |
| Total risk-based capital ratio | 15.8125% | 3,310 |
| Memoranda: | ||
| Average total assets | $21,224,500 | 7,691 |
| Average earning assets | $20,410,500 | 7,638 |
| Average equity | $2,178,000 | 7,717 |
| Average total loans | $10,980,000 | 7,598 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8609% | 2,403 |
| Cost of funding earning assets | 1.2548% | 6,459 |
| Net interest margin | 4.6061% | 969 |
| Noninterest income to average assets | 0.9471% | 1,761 |
| Noninterest expense to average assets | 4.2518% | 1,038 |
| Loan and lease loss provision to assets | 0.4433% | 4,167 |
| Net operating income to assets | 0.4258% | 4,024 |
| Return on assets (ROA) | 0.4483% | 4,053 |
| Pretax return on assets | 0.7254% | 3,490 |
| Return on Equity (ROE) | 3.9235% | 4,123 |
| Retained earnings to average equity (ytd only) | 0.3968% | 4,687 |
| Net charge-offs to loans | 0.7652% | 2,910 |
| Credit loss provision to net charge-offs | 108.6420% | 5,096 |
| Earnings coverage of net charge-offs (x) | 2.7778% | 3,701 |
| Efficiency ratio | 78.9523% | 3,049 |
| Assets per employee ($millions) | 3.0200% | 6,171 |
| Cash dividends to net income (ytd only)* | 89.8876% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8515% | 2,403 |
| Loan loss allowance to noncurrent loans | 91.8552% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 1.0454% | 5,008 |
| Noncurrent loans to loans | 2.0157% | 3,631 |
| Net loans and leases to total assets | 50.9035% | 6,539 |
| Net loans and leases to deposits | 57.0149% | 6,851 |
| Net loans and leases to core deposits | 62.6514% | 7,164 |
| Total domestic deposits to total assets | 89.2810% | 1,340 |
| Equity capital to assets | 10.3122% | 3,388 |
| Core capital (leverage) ratio | 10.1085% | 2,989 |
| Tier 1 risk-based capital ratio | 14.5162% | 3,203 |
| Total risk-based capital ratio | 15.7682% | 3,151 |
| Memoranda: | ||
| Average total assets | $19,850,600 | 7,777 |
| Average earning assets | $19,126,800 | 7,727 |
| Average equity | $2,268,400 | 7,784 |
| Average total loans | $10,585,600 | 7,677 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9087% | 2,411 |
| Cost of funding earning assets | 1.2666% | 6,669 |
| Net interest margin | 4.6420% | 920 |
| Noninterest income to average assets | 0.9900% | 1,641 |
| Noninterest expense to average assets | 3.8439% | 1,518 |
| Loan and lease loss provision to assets | 0.0546% | 6,827 |
| Net operating income to assets | 1.2922% | 1,240 |
| Return on assets (ROA) | 1.3314% | 1,215 |
| Pretax return on assets | 1.6181% | 1,141 |
| Return on Equity (ROE) | 11.3508% | 1,527 |
| Retained earnings to average equity (ytd only) | 7.2761% | 1,405 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2871% | 4,535 |
| Assets per employee ($millions) | 2.7391% | 6,758 |
| Cash dividends to net income (ytd only)* | 35.8975% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8177% | 2,225 |
| Loan loss allowance to noncurrent loans | 67.7741% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.5698% | 4,007 |
| Noncurrent loans to loans | 2.6820% | 2,829 |
| Net loans and leases to total assets | 57.4684% | 5,971 |
| Net loans and leases to deposits | 65.8519% | 6,324 |
| Net loans and leases to core deposits | 74.0126% | 6,727 |
| Total domestic deposits to total assets | 87.2692% | 2,037 |
| Equity capital to assets | 12.1779% | 2,139 |
| Core capital (leverage) ratio | 11.2174% | 2,250 |
| Tier 1 risk-based capital ratio | 16.7363% | 2,350 |
| Total risk-based capital ratio | 17.9892% | 2,300 |
| Memoranda: | ||
| Average total assets | $19,528,250 | 7,862 |
| Average earning assets | $18,842,000 | 7,812 |
| Average equity | $2,290,500 | 7,849 |
| Average total loans | $10,491,000 | 7,757 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8324% | 2,889 |
| Cost of funding earning assets | 1.3078% | 6,779 |
| Net interest margin | 4.5246% | 1,109 |
| Noninterest income to average assets | 0.9773% | 1,667 |
| Noninterest expense to average assets | 4.1025% | 1,187 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9624% | 2,234 |
| Return on assets (ROA) | 1.0180% | 2,134 |
| Pretax return on assets | 1.3132% | 1,983 |
| Return on Equity (ROE) | 8.7886% | 2,430 |
| Retained earnings to average equity (ytd only) | 2.6366% | 3,863 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7619% | 3,551 |
| Assets per employee ($millions) | 2.7843% | 6,667 |
| Cash dividends to net income (ytd only)* | 70.0000% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8226% | 1,984 |
| Loan loss allowance to noncurrent loans | 70.2509% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 1.4315% | 4,102 |
| Noncurrent loans to loans | 2.5944% | 2,793 |
| Net loans and leases to total assets | 54.1714% | 6,424 |
| Net loans and leases to deposits | 61.7066% | 6,753 |
| Net loans and leases to core deposits | 69.1557% | 7,068 |
| Total domestic deposits to total assets | 87.7886% | 1,880 |
| Equity capital to assets | 11.5906% | 2,479 |
| Core capital (leverage) ratio | 10.6661% | 2,692 |
| Tier 1 risk-based capital ratio | 16.2406% | 2,537 |
| Total risk-based capital ratio | 17.4958% | 2,478 |
| Memoranda: | ||
| Average total assets | $19,646,330 | 7,938 |
| Average earning assets | $18,963,000 | 7,885 |
| Average equity | $2,275,670 | 7,934 |
| Average total loans | $10,247,000 | 7,847 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8302% | 3,139 |
| Cost of funding earning assets | 1.3681% | 6,823 |
| Net interest margin | 4.4621% | 1,206 |
| Noninterest income to average assets | 0.9126% | 1,800 |
| Noninterest expense to average assets | 3.1433% | 3,221 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.8454% | 484 |
| Return on assets (ROA) | 1.8454% | 540 |
| Pretax return on assets | 2.0685% | 574 |
| Return on Equity (ROE) | 15.9370% | 836 |
| Retained earnings to average equity (ytd only) | 9.8074% | 1,246 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3113% | 6,352 |
| Assets per employee ($millions) | 2.7279% | 6,818 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9536% | 1,519 |
| Loan loss allowance to noncurrent loans | 3,266.6667% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 7,525 |
| Noncurrent loans to loans | 0.0598% | 7,364 |
| Net loans and leases to total assets | 51.5161% | 6,728 |
| Net loans and leases to deposits | 58.9996% | 6,978 |
| Net loans and leases to core deposits | 65.2278% | 7,269 |
| Total domestic deposits to total assets | 87.3161% | 2,058 |
| Equity capital to assets | 12.0084% | 2,256 |
| Core capital (leverage) ratio | 10.6211% | 2,815 |
| Tier 1 risk-based capital ratio | 17.1986% | 2,274 |
| Total risk-based capital ratio | 18.4558% | 2,211 |
| Memoranda: | ||
| Average total assets | $19,724,500 | 7,987 |
| Average earning assets | $19,004,500 | 7,932 |
| Average equity | $2,284,000 | 7,980 |
| Average total loans | $9,993,500 | 7,908 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2479% | 4,255 |
| Cost of funding earning assets | 2.0027% | 6,409 |
| Net interest margin | 4.2451% | 2,130 |
| Noninterest income to average assets | 0.9730% | 1,681 |
| Noninterest expense to average assets | 4.3069% | 1,041 |
| Loan and lease loss provision to assets | 0.1024% | 6,069 |
| Net operating income to assets | 0.4352% | 5,009 |
| Return on assets (ROA) | 0.4660% | 4,703 |
| Pretax return on assets | 0.6914% | 4,429 |
| Return on Equity (ROE) | 4.0676% | 4,795 |
| Retained earnings to average equity (ytd only) | 0.7152% | 4,802 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2077% | 1,931 |
| Assets per employee ($millions) | 2.9077% | 6,278 |
| Cash dividends to net income (ytd only)* | 82.4176% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9691% | 1,285 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 47.9414% | 7,192 |
| Net loans and leases to deposits | 54.4470% | 7,409 |
| Net loans and leases to core deposits | 59.7477% | 7,594 |
| Total domestic deposits to total assets | 88.0515% | 1,452 |
| Equity capital to assets | 11.1772% | 2,894 |
| Core capital (leverage) ratio | 10.5157% | 2,966 |
| Tier 1 risk-based capital ratio | 16.9384% | 2,331 |
| Total risk-based capital ratio | 18.1937% | 2,275 |
| Memoranda: | ||
| Average total assets | $19,526,600 | 8,031 |
| Average earning assets | $18,774,400 | 7,978 |
| Average equity | $2,237,200 | 8,062 |
| Average total loans | $9,358,400 | 7,966 |