Home > American Union Savings and Loan Association, S.B. > Performance and Condition Ratios
American Union Savings and Loan Association, S.B., Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5843% | 4,765 |
| Cost of funding earning assets | 0.0338% | 6,288 |
| Net interest margin | 3.5505% | 3,290 |
| Noninterest income to average assets | 0.1181% | 5,955 |
| Noninterest expense to average assets | 3.5433% | 1,232 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.3248% | 6,140 |
| Return on assets (ROA) | -0.3248% | 6,157 |
| Pretax return on assets | -0.3248% | 6,145 |
| Return on Equity (ROE) | -2.7431% | 6,149 |
| Retained earnings to average equity (ytd only) | -2.7431% | 5,901 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0917% | 170 |
| Assets per employee ($millions) | 2.2647% | 6,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 32.0430% | 5,977 |
| Net loans and leases to deposits | 36.4230% | 6,020 |
| Net loans and leases to core deposits | 36.4230% | 6,058 |
| Total domestic deposits to total assets | 87.9747% | 1,663 |
| Equity capital to assets | 11.7309% | 2,221 |
| Core capital (leverage) ratio | 11.7275% | 1,822 |
| Tier 1 risk-based capital ratio | 41.3811% | 235 |
| Total risk-based capital ratio | 41.3811% | 253 |
| Memoranda: | ||
| Average total assets | $6,773,330 | 6,348 |
| Average earning assets | $5,914,670 | 6,333 |
| Average equity | $802,000 | 6,340 |
| Average total loans | $2,199,000 | 6,304 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7021% | 4,353 |
| Cost of funding earning assets | 0.0686% | 6,298 |
| Net interest margin | 3.6336% | 2,882 |
| Noninterest income to average assets | 0.0000% | 6,328 |
| Noninterest expense to average assets | 3.4896% | 1,338 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.3549% | 6,206 |
| Return on assets (ROA) | -0.3549% | 6,221 |
| Pretax return on assets | -0.3549% | 6,206 |
| Return on Equity (ROE) | -2.9832% | 6,215 |
| Retained earnings to average equity (ytd only) | -2.9832% | 5,790 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.3208% | 185 |
| Assets per employee ($millions) | 2.2663% | 6,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 32.3283% | 5,990 |
| Net loans and leases to deposits | 36.7559% | 6,030 |
| Net loans and leases to core deposits | 36.7559% | 6,082 |
| Total domestic deposits to total assets | 87.9541% | 1,852 |
| Equity capital to assets | 11.7959% | 2,205 |
| Core capital (leverage) ratio | 11.7421% | 1,817 |
| Tier 1 risk-based capital ratio | 40.6971% | 252 |
| Total risk-based capital ratio | 40.6971% | 264 |
| Memoranda: | ||
| Average total assets | $6,763,000 | 6,418 |
| Average earning assets | $5,834,500 | 6,403 |
| Average equity | $804,500 | 6,409 |
| Average total loans | $2,210,000 | 6,375 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8715% | 4,242 |
| Cost of funding earning assets | 0.0509% | 6,435 |
| Net interest margin | 3.8206% | 2,548 |
| Noninterest income to average assets | 0.0733% | 6,233 |
| Noninterest expense to average assets | 3.5765% | 1,345 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.2052% | 6,207 |
| Return on assets (ROA) | -0.2052% | 6,206 |
| Pretax return on assets | -0.2052% | 6,193 |
| Return on Equity (ROE) | -1.7157% | 6,195 |
| Retained earnings to average equity (ytd only) | -1.7157% | 5,983 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.0870% | 260 |
| Assets per employee ($millions) | 3.3635% | 5,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 33.0311% | 6,081 |
| Net loans and leases to deposits | 37.6610% | 6,115 |
| Net loans and leases to core deposits | 37.6610% | 6,161 |
| Total domestic deposits to total assets | 87.7063% | 1,921 |
| Equity capital to assets | 11.9964% | 2,018 |
| Core capital (leverage) ratio | 11.9164% | 1,681 |
| Tier 1 risk-based capital ratio | 40.7708% | 226 |
| Total risk-based capital ratio | 40.7708% | 240 |
| Memoranda: | ||
| Average total assets | $6,822,400 | 6,508 |
| Average earning assets | $5,889,200 | 6,493 |
| Average equity | $816,000 | 6,502 |
| Average total loans | $2,354,600 | 6,467 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8761% | 4,250 |
| Cost of funding earning assets | 0.0676% | 6,486 |
| Net interest margin | 3.8085% | 2,588 |
| Noninterest income to average assets | 0.0779% | 6,313 |
| Noninterest expense to average assets | 3.6418% | 1,222 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.2727% | 6,301 |
| Return on assets (ROA) | -0.2727% | 6,295 |
| Pretax return on assets | -0.2727% | 6,278 |
| Return on Equity (ROE) | -2.2817% | 6,294 |
| Retained earnings to average equity (ytd only) | -2.2817% | 6,096 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.0925% | 245 |
| Assets per employee ($millions) | 2.2553% | 6,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,533 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 33.2102% | 6,144 |
| Net loans and leases to deposits | 37.8219% | 6,190 |
| Net loans and leases to core deposits | 37.8219% | 6,243 |
| Total domestic deposits to total assets | 87.8067% | 1,864 |
| Equity capital to assets | 11.9568% | 2,096 |
| Core capital (leverage) ratio | 11.7510% | 1,862 |
| Tier 1 risk-based capital ratio | 40.5856% | 231 |
| Total risk-based capital ratio | 40.5856% | 251 |
| Memoranda: | ||
| Average total assets | $6,846,250 | 6,587 |
| Average earning assets | $5,916,500 | 6,573 |
| Average equity | $818,250 | 6,579 |
| Average total loans | $2,387,750 | 6,546 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8242% | 4,432 |
| Cost of funding earning assets | 0.0671% | 6,554 |
| Net interest margin | 3.7571% | 2,729 |
| Noninterest income to average assets | 0.1164% | 6,216 |
| Noninterest expense to average assets | 3.8702% | 882 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.4947% | 6,436 |
| Return on assets (ROA) | -0.4947% | 6,436 |
| Pretax return on assets | -0.4947% | 6,420 |
| Return on Equity (ROE) | -4.1396% | 6,413 |
| Retained earnings to average equity (ytd only) | -4.1396% | 6,184 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.6552% | 186 |
| Assets per employee ($millions) | 3.4585% | 4,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 34.9429% | 6,106 |
| Net loans and leases to deposits | 39.7926% | 6,165 |
| Net loans and leases to core deposits | 39.7926% | 6,229 |
| Total domestic deposits to total assets | 87.8126% | 2,029 |
| Equity capital to assets | 11.7537% | 2,203 |
| Core capital (leverage) ratio | 11.5919% | 1,930 |
| Tier 1 risk-based capital ratio | 38.5281% | 270 |
| Total risk-based capital ratio | 38.5281% | 287 |
| Memoranda: | ||
| Average total assets | $6,873,000 | 6,655 |
| Average earning assets | $5,962,000 | 6,640 |
| Average equity | $821,330 | 6,646 |
| Average total loans | $2,434,670 | 6,611 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9041% | 4,072 |
| Cost of funding earning assets | 0.1346% | 6,424 |
| Net interest margin | 3.7695% | 2,599 |
| Noninterest income to average assets | 0.0000% | 6,595 |
| Noninterest expense to average assets | 3.4448% | 1,599 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1752% | 6,343 |
| Return on assets (ROA) | -0.1752% | 6,344 |
| Pretax return on assets | -0.1752% | 6,329 |
| Return on Equity (ROE) | -1.4537% | 6,328 |
| Retained earnings to average equity (ytd only) | -1.4537% | 5,792 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.3571% | 345 |
| Assets per employee ($millions) | 2.3007% | 6,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 35.2217% | 6,111 |
| Net loans and leases to deposits | 40.1221% | 6,167 |
| Net loans and leases to core deposits | 40.1221% | 6,226 |
| Total domestic deposits to total assets | 87.7861% | 2,357 |
| Equity capital to assets | 11.9820% | 1,882 |
| Core capital (leverage) ratio | 11.8961% | 1,713 |
| Tier 1 risk-based capital ratio | 39.4482% | 244 |
| Total risk-based capital ratio | 39.4482% | 266 |
| Memoranda: | ||
| Average total assets | $6,851,000 | 6,728 |
| Average earning assets | $5,942,500 | 6,713 |
| Average equity | $825,500 | 6,715 |
| Average total loans | $2,443,500 | 6,682 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5637% | 1,985 |
| Cost of funding earning assets | 0.1014% | 6,669 |
| Net interest margin | 4.4623% | 799 |
| Noninterest income to average assets | 0.0442% | 6,562 |
| Noninterest expense to average assets | 3.7869% | 1,157 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1473% | 5,946 |
| Return on assets (ROA) | 0.1473% | 6,014 |
| Pretax return on assets | 0.1473% | 6,019 |
| Return on Equity (ROE) | 1.2318% | 6,039 |
| Retained earnings to average equity (ytd only) | 1.2318% | 5,276 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2547% | 628 |
| Assets per employee ($millions) | 2.2667% | 6,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,750 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 36.1176% | 6,197 |
| Net loans and leases to deposits | 41.2288% | 6,262 |
| Net loans and leases to core deposits | 41.2288% | 6,327 |
| Total domestic deposits to total assets | 87.6029% | 2,419 |
| Equity capital to assets | 12.1176% | 1,731 |
| Core capital (leverage) ratio | 12.1159% | 1,528 |
| Tier 1 risk-based capital ratio | 39.4447% | 239 |
| Total risk-based capital ratio | 39.4447% | 253 |
| Memoranda: | ||
| Average total assets | $6,786,600 | 6,808 |
| Average earning assets | $5,916,200 | 6,796 |
| Average equity | $811,800 | 6,803 |
| Average total loans | $2,554,800 | 6,767 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8171% | 1,308 |
| Cost of funding earning assets | 0.1131% | 6,737 |
| Net interest margin | 4.7041% | 512 |
| Noninterest income to average assets | 0.0590% | 6,606 |
| Noninterest expense to average assets | 3.9115% | 953 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2359% | 5,820 |
| Return on assets (ROA) | 0.2359% | 5,906 |
| Pretax return on assets | 0.2359% | 5,986 |
| Return on Equity (ROE) | 1.9784% | 5,945 |
| Retained earnings to average equity (ytd only) | 1.9784% | 5,142 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3128% | 719 |
| Assets per employee ($millions) | 2.2673% | 6,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,828 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 36.2687% | 6,271 |
| Net loans and leases to deposits | 41.3302% | 6,339 |
| Net loans and leases to core deposits | 41.3302% | 6,409 |
| Total domestic deposits to total assets | 87.7536% | 2,271 |
| Equity capital to assets | 12.0406% | 1,893 |
| Core capital (leverage) ratio | 12.0229% | 1,657 |
| Tier 1 risk-based capital ratio | 39.5652% | 245 |
| Total risk-based capital ratio | 39.5652% | 259 |
| Memoranda: | ||
| Average total assets | $6,783,250 | 6,887 |
| Average earning assets | $5,895,500 | 6,875 |
| Average equity | $808,750 | 6,883 |
| Average total loans | $2,579,500 | 6,844 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4698% | 2,306 |
| Cost of funding earning assets | 0.1016% | 6,821 |
| Net interest margin | 4.3682% | 905 |
| Noninterest income to average assets | 0.1180% | 6,464 |
| Noninterest expense to average assets | 4.1611% | 730 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.2361% | 6,510 |
| Return on assets (ROA) | -0.2361% | 6,543 |
| Pretax return on assets | -0.2361% | 6,518 |
| Return on Equity (ROE) | -1.9868% | 6,526 |
| Retained earnings to average equity (ytd only) | -1.9868% | 6,190 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.0150% | 351 |
| Assets per employee ($millions) | 2.2743% | 6,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,881 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 36.4649% | 6,271 |
| Net loans and leases to deposits | 41.5013% | 6,346 |
| Net loans and leases to core deposits | 41.5013% | 6,424 |
| Total domestic deposits to total assets | 87.8646% | 2,344 |
| Equity capital to assets | 11.7250% | 2,104 |
| Core capital (leverage) ratio | 11.7457% | 1,771 |
| Tier 1 risk-based capital ratio | 38.3509% | 261 |
| Total risk-based capital ratio | 38.3509% | 282 |
| Memoranda: | ||
| Average total assets | $6,777,000 | 6,936 |
| Average earning assets | $5,906,330 | 6,924 |
| Average equity | $805,330 | 6,932 |
| Average total loans | $2,617,000 | 6,891 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2155% | 3,232 |
| Cost of funding earning assets | 0.1360% | 6,830 |
| Net interest margin | 4.0796% | 1,524 |
| Noninterest income to average assets | 0.0000% | 6,849 |
| Noninterest expense to average assets | 3.5534% | 1,512 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0000% | 6,342 |
| Return on assets (ROA) | 0.0000% | 6,416 |
| Pretax return on assets | 0.0000% | 6,408 |
| Return on Equity (ROE) | 0.0000% | 6,418 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,764 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 542 |
| Assets per employee ($millions) | 2.2663% | 6,733 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 39.8147% | 6,015 |
| Net loans and leases to deposits | 45.3282% | 6,100 |
| Net loans and leases to core deposits | 45.3282% | 6,249 |
| Total domestic deposits to total assets | 87.8364% | 2,424 |
| Equity capital to assets | 11.8841% | 2,118 |
| Core capital (leverage) ratio | 11.9633% | 1,587 |
| Tier 1 risk-based capital ratio | 37.5814% | 277 |
| Total risk-based capital ratio | 37.5814% | 300 |
| Memoranda: | ||
| Average total assets | $6,754,000 | 7,015 |
| Average earning assets | $5,883,000 | 7,003 |
| Average equity | $808,000 | 7,003 |
| Average total loans | $2,681,500 | 6,966 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2439% | 4,424 |
| Cost of funding earning assets | 0.1875% | 6,860 |
| Net interest margin | 4.0564% | 2,162 |
| Noninterest income to average assets | 0.0438% | 6,714 |
| Noninterest expense to average assets | 3.6086% | 1,589 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.0877% | 6,272 |
| Return on assets (ROA) | -0.0877% | 6,379 |
| Pretax return on assets | -0.0877% | 6,357 |
| Return on Equity (ROE) | -0.7446% | 6,372 |
| Retained earnings to average equity (ytd only) | -0.7446% | 5,983 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4896% | 482 |
| Assets per employee ($millions) | 2.2363% | 6,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 39.5886% | 6,201 |
| Net loans and leases to deposits | 45.1931% | 6,294 |
| Net loans and leases to core deposits | 45.1931% | 6,410 |
| Total domestic deposits to total assets | 87.5987% | 2,479 |
| Equity capital to assets | 12.0435% | 2,018 |
| Core capital (leverage) ratio | 11.9651% | 1,585 |
| Tier 1 risk-based capital ratio | 37.7394% | 279 |
| Total risk-based capital ratio | 37.7394% | 289 |
| Memoranda: | ||
| Average total assets | $6,844,800 | 7,080 |
| Average earning assets | $5,867,200 | 7,068 |
| Average equity | $805,800 | 7,073 |
| Average total loans | $2,797,400 | 7,038 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3243% | 4,351 |
| Cost of funding earning assets | 0.1821% | 6,982 |
| Net interest margin | 4.1422% | 1,931 |
| Noninterest income to average assets | 0.0388% | 6,839 |
| Noninterest expense to average assets | 3.6828% | 1,389 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.1163% | 6,418 |
| Return on assets (ROA) | -0.1163% | 6,507 |
| Pretax return on assets | -0.1163% | 6,489 |
| Return on Equity (ROE) | -0.9935% | 6,503 |
| Retained earnings to average equity (ytd only) | -0.9935% | 6,273 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.2609% | 437 |
| Assets per employee ($millions) | 2.2657% | 6,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,121 |
| 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 | 42.0332% | 6,130 |
| Net loans and leases to deposits | 47.8479% | 6,267 |
| Net loans and leases to core deposits | 47.8479% | 6,428 |
| Total domestic deposits to total assets | 87.8476% | 2,128 |
| Equity capital to assets | 11.8876% | 2,363 |
| Core capital (leverage) ratio | 11.8111% | 1,765 |
| Tier 1 risk-based capital ratio | 37.2866% | 309 |
| Total risk-based capital ratio | 37.2866% | 320 |
| Memoranda: | ||
| Average total assets | $6,878,750 | 7,176 |
| Average earning assets | $5,858,250 | 7,164 |
| Average equity | $805,250 | 7,171 |
| Average total loans | $2,832,750 | 7,134 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2997% | 4,581 |
| Cost of funding earning assets | 0.2031% | 7,026 |
| Net interest margin | 4.0966% | 2,109 |
| Noninterest income to average assets | 0.0579% | 6,828 |
| Noninterest expense to average assets | 4.0834% | 852 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.5213% | 6,741 |
| Return on assets (ROA) | -0.5213% | 6,777 |
| Pretax return on assets | -0.5213% | 6,749 |
| Return on Equity (ROE) | -4.4758% | 6,749 |
| Retained earnings to average equity (ytd only) | -4.4758% | 6,587 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.6341% | 272 |
| Assets per employee ($millions) | 2.2953% | 6,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,187 |
| 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 | 40.6767% | 6,297 |
| Net loans and leases to deposits | 46.2135% | 6,421 |
| Net loans and leases to core deposits | 46.2135% | 6,563 |
| Total domestic deposits to total assets | 88.0192% | 2,128 |
| Equity capital to assets | 11.5597% | 2,535 |
| Core capital (leverage) ratio | 11.4598% | 1,928 |
| Tier 1 risk-based capital ratio | 36.7159% | 310 |
| Total risk-based capital ratio | 36.7159% | 327 |
| Memoranda: | ||
| Average total assets | $6,906,000 | 7,239 |
| Average earning assets | $5,907,330 | 7,226 |
| Average equity | $804,330 | 7,227 |
| Average total loans | $2,824,670 | 7,196 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3014% | 4,730 |
| Cost of funding earning assets | 0.2688% | 6,953 |
| Net interest margin | 4.0326% | 2,362 |
| Noninterest income to average assets | 0.0000% | 7,087 |
| Noninterest expense to average assets | 4.1064% | 822 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.6362% | 6,892 |
| Return on assets (ROA) | -0.6362% | 6,912 |
| Pretax return on assets | -0.6362% | 6,880 |
| Return on Equity (ROE) | -5.4422% | 6,866 |
| Retained earnings to average equity (ytd only) | -5.4422% | 6,613 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.3333% | 236 |
| Assets per employee ($millions) | 2.3350% | 6,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,247 |
| 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 | 40.2855% | 6,329 |
| Net loans and leases to deposits | 45.6413% | 6,457 |
| Net loans and leases to core deposits | 45.6413% | 6,590 |
| Total domestic deposits to total assets | 88.2655% | 2,152 |
| Equity capital to assets | 11.4632% | 2,471 |
| Core capital (leverage) ratio | 11.6108% | 1,826 |
| Tier 1 risk-based capital ratio | 36.3513% | 304 |
| Total risk-based capital ratio | 36.3513% | 330 |
| Memoranda: | ||
| Average total assets | $6,916,000 | 7,302 |
| Average earning assets | $5,951,500 | 7,288 |
| Average equity | $808,500 | 7,290 |
| Average total loans | $2,836,500 | 7,257 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6531% | 4,443 |
| Cost of funding earning assets | 0.2335% | 7,200 |
| Net interest margin | 4.4196% | 1,346 |
| Noninterest income to average assets | 0.0590% | 6,805 |
| Noninterest expense to average assets | 3.6593% | 1,619 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3099% | 5,212 |
| Return on assets (ROA) | 0.3099% | 5,371 |
| Pretax return on assets | 0.3099% | 5,532 |
| Return on Equity (ROE) | 2.6243% | 5,430 |
| Retained earnings to average equity (ytd only) | 2.6243% | 4,359 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1933% | 1,032 |
| Assets per employee ($millions) | 2.2757% | 7,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,295 |
| 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 | 41.7607% | 6,404 |
| Net loans and leases to deposits | 47.6437% | 6,521 |
| Net loans and leases to core deposits | 47.6437% | 6,659 |
| Total domestic deposits to total assets | 87.6520% | 2,366 |
| Equity capital to assets | 11.9232% | 2,187 |
| Core capital (leverage) ratio | 12.0557% | 1,560 |
| Tier 1 risk-based capital ratio | 22.5111% | 1,164 |
| Total risk-based capital ratio | 22.5111% | 1,342 |
| Memoranda: | ||
| Average total assets | $6,777,200 | 7,351 |
| Average earning assets | $5,996,000 | 7,338 |
| Average equity | $800,200 | 7,343 |
| Average total loans | $2,684,000 | 7,308 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6994% | 4,473 |
| Cost of funding earning assets | 0.2439% | 7,282 |
| Net interest margin | 4.4555% | 1,258 |
| Noninterest income to average assets | 0.0788% | 6,848 |
| Noninterest expense to average assets | 3.8828% | 1,181 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.1577% | 5,806 |
| Return on assets (ROA) | 0.1577% | 5,931 |
| Pretax return on assets | 0.1577% | 5,981 |
| Return on Equity (ROE) | 1.3392% | 5,988 |
| Retained earnings to average equity (ytd only) | 1.3392% | 5,472 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0976% | 815 |
| Assets per employee ($millions) | 2.2257% | 7,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,371 |
| 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 | 40.5721% | 6,592 |
| Net loans and leases to deposits | 46.4985% | 6,719 |
| Net loans and leases to core deposits | 46.4985% | 6,824 |
| Total domestic deposits to total assets | 87.2548% | 2,492 |
| Equity capital to assets | 11.9964% | 2,254 |
| Core capital (leverage) ratio | 11.9143% | 1,754 |
| Tier 1 risk-based capital ratio | 36.1462% | 316 |
| Total risk-based capital ratio | 36.1462% | 352 |
| Memoranda: | ||
| Average total assets | $6,764,750 | 7,430 |
| Average earning assets | $6,014,750 | 7,417 |
| Average equity | $796,750 | 7,421 |
| Average total loans | $2,642,250 | 7,382 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8262% | 3,976 |
| Cost of funding earning assets | 0.2314% | 7,382 |
| Net interest margin | 4.5948% | 915 |
| Noninterest income to average assets | 0.1178% | 6,742 |
| Noninterest expense to average assets | 4.1802% | 849 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.0294% | 6,171 |
| Return on assets (ROA) | 0.0294% | 6,249 |
| Pretax return on assets | 0.0294% | 6,224 |
| Return on Equity (ROE) | 0.2515% | 6,252 |
| Retained earnings to average equity (ytd only) | 0.2515% | 5,735 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3007% | 742 |
| Assets per employee ($millions) | 2.2567% | 7,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,447 |
| 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 | 39.9261% | 6,753 |
| Net loans and leases to deposits | 45.6357% | 6,845 |
| Net loans and leases to core deposits | 45.6357% | 6,954 |
| Total domestic deposits to total assets | 87.4889% | 2,477 |
| Equity capital to assets | 11.7282% | 2,306 |
| Core capital (leverage) ratio | 11.6971% | 1,785 |
| Tier 1 risk-based capital ratio | 36.2226% | 317 |
| Total risk-based capital ratio | 36.2226% | 337 |
| Memoranda: | ||
| Average total assets | $6,794,000 | 7,505 |
| Average earning assets | $6,050,330 | 7,492 |
| Average equity | $795,330 | 7,497 |
| Average total loans | $2,620,000 | 7,457 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3558% | 1,708 |
| Cost of funding earning assets | 0.2645% | 7,422 |
| Net interest margin | 5.0913% | 311 |
| Noninterest income to average assets | 0.0000% | 7,288 |
| Noninterest expense to average assets | 4.1728% | 842 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3526% | 5,166 |
| Return on assets (ROA) | 0.3526% | 5,245 |
| Pretax return on assets | 0.3526% | 5,496 |
| Return on Equity (ROE) | 3.0151% | 5,360 |
| Retained earnings to average equity (ytd only) | 3.0151% | 4,355 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2078% | 1,149 |
| Assets per employee ($millions) | 2.2900% | 7,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,503 |
| 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 | 37.1761% | 6,949 |
| Net loans and leases to deposits | 42.3689% | 7,008 |
| Net loans and leases to core deposits | 42.3689% | 7,097 |
| Total domestic deposits to total assets | 87.7438% | 2,527 |
| Equity capital to assets | 11.6303% | 2,178 |
| Core capital (leverage) ratio | 11.7396% | 1,710 |
| Tier 1 risk-based capital ratio | 37.2494% | 294 |
| Total risk-based capital ratio | 37.2494% | 322 |
| Memoranda: | ||
| Average total assets | $6,806,000 | 7,565 |
| Average earning assets | $6,049,500 | 7,553 |
| Average equity | $796,000 | 7,554 |
| Average total loans | $2,578,500 | 7,516 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6168% | 6,063 |
| Cost of funding earning assets | 0.3667% | 7,456 |
| Net interest margin | 4.2501% | 1,995 |
| Noninterest income to average assets | 0.0147% | 7,231 |
| Noninterest expense to average assets | 3.7614% | 1,559 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -0.0147% | 5,868 |
| Return on assets (ROA) | -0.0147% | 5,979 |
| Pretax return on assets | 0.0000% | 5,897 |
| Return on Equity (ROE) | -0.1260% | 5,979 |
| Retained earnings to average equity (ytd only) | -0.1260% | 5,628 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 775 |
| Assets per employee ($millions) | 2.2473% | 7,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,582 |
| 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 | 38.6087% | 7,045 |
| Net loans and leases to deposits | 44.1935% | 7,115 |
| Net loans and leases to core deposits | 44.1935% | 7,195 |
| Total domestic deposits to total assets | 87.3628% | 2,632 |
| Equity capital to assets | 11.7621% | 2,067 |
| Core capital (leverage) ratio | 11.7918% | 1,674 |
| Tier 1 risk-based capital ratio | 36.8837% | 300 |
| Total risk-based capital ratio | 36.8837% | 324 |
| Memoranda: | ||
| Average total assets | $6,806,000 | 7,647 |
| Average earning assets | $5,999,800 | 7,635 |
| Average equity | $793,600 | 7,648 |
| Average total loans | $2,312,200 | 7,602 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6560% | 6,167 |
| Cost of funding earning assets | 0.4010% | 7,568 |
| Net interest margin | 4.2550% | 2,015 |
| Noninterest income to average assets | 0.0195% | 7,393 |
| Noninterest expense to average assets | 3.8111% | 1,359 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.0781% | 6,157 |
| Return on assets (ROA) | -0.0781% | 6,252 |
| Pretax return on assets | -0.0586% | 6,177 |
| Return on Equity (ROE) | -0.6715% | 6,248 |
| Retained earnings to average equity (ytd only) | -0.6715% | 5,961 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.5625% | 698 |
| Assets per employee ($millions) | 2.2357% | 7,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,691 |
| 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 | 34.9784% | 7,308 |
| Net loans and leases to deposits | 40.0068% | 7,370 |
| Net loans and leases to core deposits | 40.0068% | 7,427 |
| Total domestic deposits to total assets | 87.4310% | 2,301 |
| Equity capital to assets | 11.7787% | 2,305 |
| Core capital (leverage) ratio | 11.6726% | 1,833 |
| Tier 1 risk-based capital ratio | 38.7255% | 273 |
| Total risk-based capital ratio | 38.7255% | 291 |
| Memoranda: | ||
| Average total assets | $6,822,000 | 7,749 |
| Average earning assets | $5,985,000 | 7,738 |
| Average equity | $793,750 | 7,750 |
| Average total loans | $2,239,500 | 7,703 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6468% | 6,324 |
| Cost of funding earning assets | 0.3983% | 7,656 |
| Net interest margin | 4.2485% | 1,970 |
| Noninterest income to average assets | 0.0292% | 7,434 |
| Noninterest expense to average assets | 3.8191% | 1,334 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.0583% | 6,161 |
| Return on assets (ROA) | -0.0583% | 6,254 |
| Pretax return on assets | -0.0583% | 6,206 |
| Return on Equity (ROE) | -0.5031% | 6,252 |
| Retained earnings to average equity (ytd only) | -0.5031% | 5,846 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.5504% | 749 |
| Assets per employee ($millions) | 2.2763% | 7,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 32.0398% | 7,483 |
| Net loans and leases to deposits | 36.5275% | 7,522 |
| Net loans and leases to core deposits | 36.5275% | 7,560 |
| Total domestic deposits to total assets | 87.7142% | 2,158 |
| Equity capital to assets | 11.5976% | 2,357 |
| Core capital (leverage) ratio | 11.6385% | 1,840 |
| Tier 1 risk-based capital ratio | 39.7192% | 253 |
| Total risk-based capital ratio | 39.7192% | 273 |
| Memoranda: | ||
| Average total assets | $6,860,330 | 7,817 |
| Average earning assets | $6,025,670 | 7,806 |
| Average equity | $795,000 | 7,818 |
| Average total loans | $2,204,000 | 7,772 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7779% | 5,974 |
| Cost of funding earning assets | 0.4582% | 7,724 |
| Net interest margin | 4.3197% | 1,632 |
| Noninterest income to average assets | 0.0000% | 7,655 |
| Noninterest expense to average assets | 3.7231% | 1,470 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1163% | 5,980 |
| Return on assets (ROA) | 0.1163% | 6,092 |
| Pretax return on assets | 0.1163% | 6,094 |
| Return on Equity (ROE) | 1.0044% | 6,113 |
| Retained earnings to average equity (ytd only) | 1.0044% | 5,411 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9697% | 970 |
| Assets per employee ($millions) | 2.2607% | 7,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 32.5273% | 7,551 |
| Net loans and leases to deposits | 37.0819% | 7,599 |
| Net loans and leases to core deposits | 37.0819% | 7,632 |
| Total domestic deposits to total assets | 87.7175% | 2,227 |
| Equity capital to assets | 11.7517% | 2,199 |
| Core capital (leverage) ratio | 11.5312% | 1,892 |
| Tier 1 risk-based capital ratio | 39.4059% | 262 |
| Total risk-based capital ratio | 39.4059% | 275 |
| Memoranda: | ||
| Average total assets | $6,876,000 | 7,922 |
| Average earning assets | $6,111,500 | 7,909 |
| Average equity | $796,500 | 7,909 |
| Average total loans | $2,212,000 | 7,872 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6612% | 7,196 |
| Cost of funding earning assets | 0.5650% | 7,790 |
| Net interest margin | 4.0962% | 2,466 |
| Noninterest income to average assets | 0.0280% | 7,598 |
| Noninterest expense to average assets | 3.5874% | 2,181 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.0701% | 5,293 |
| Return on assets (ROA) | 0.0701% | 5,333 |
| Pretax return on assets | 0.0981% | 5,227 |
| Return on Equity (ROE) | 0.6308% | 5,347 |
| Retained earnings to average equity (ytd only) | 0.6308% | 4,555 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3384% | 1,255 |
| Assets per employee ($millions) | 2.3233% | 7,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,932 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 31.8221% | 7,667 |
| Net loans and leases to deposits | 36.1827% | 7,720 |
| Net loans and leases to core deposits | 40.5633% | 7,751 |
| Total domestic deposits to total assets | 87.9484% | 1,993 |
| Equity capital to assets | 11.4204% | 2,375 |
| Core capital (leverage) ratio | 11.3041% | 2,037 |
| Tier 1 risk-based capital ratio | 37.9723% | 286 |
| Total risk-based capital ratio | 38.0201% | 301 |
| Memoranda: | ||
| Average total assets | $7,136,000 | 7,998 |
| Average earning assets | $6,371,800 | 7,986 |
| Average equity | $792,600 | 7,995 |
| Average total loans | $1,739,800 | 7,952 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7127% | 7,265 |
| Cost of funding earning assets | 0.6048% | 7,883 |
| Net interest margin | 4.1079% | 2,363 |
| Noninterest income to average assets | 0.0185% | 7,777 |
| Noninterest expense to average assets | 3.5295% | 2,201 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.1300% | 5,375 |
| Return on assets (ROA) | 0.1300% | 5,441 |
| Pretax return on assets | 0.1485% | 5,421 |
| Return on Equity (ROE) | 1.1784% | 5,437 |
| Retained earnings to average equity (ytd only) | 1.1784% | 4,668 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9596% | 1,282 |
| Assets per employee ($millions) | 2.3597% | 7,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 23.3931% | 7,907 |
| Net loans and leases to deposits | 26.5939% | 7,943 |
| Net loans and leases to core deposits | 29.8540% | 7,953 |
| Total domestic deposits to total assets | 87.9644% | 1,672 |
| Equity capital to assets | 11.2728% | 2,768 |
| Core capital (leverage) ratio | 11.1563% | 2,299 |
| Tier 1 risk-based capital ratio | 40.9161% | 271 |
| Total risk-based capital ratio | 40.9676% | 282 |
| Memoranda: | ||
| Average total assets | $7,177,500 | 8,084 |
| Average earning assets | $6,394,000 | 8,071 |
| Average equity | $791,750 | 8,079 |
| Average total loans | $1,620,250 | 8,036 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7217% | 7,359 |
| Cost of funding earning assets | 0.6296% | 7,971 |
| Net interest margin | 4.0921% | 2,346 |
| Noninterest income to average assets | 0.0277% | 7,845 |
| Noninterest expense to average assets | 3.6337% | 1,987 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.0000% | 5,832 |
| Return on assets (ROA) | 0.0000% | 5,913 |
| Pretax return on assets | 0.0000% | 5,869 |
| Return on Equity (ROE) | 0.0000% | 5,918 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,197 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 1,175 |
| Assets per employee ($millions) | 2.3917% | 7,439 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,113 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 19.8467% | 8,037 |
| Net loans and leases to deposits | 22.4747% | 8,064 |
| Net loans and leases to core deposits | 25.1679% | 8,059 |
| Total domestic deposits to total assets | 88.3066% | 1,623 |
| Equity capital to assets | 10.9965% | 2,924 |
| Core capital (leverage) ratio | 10.9114% | 2,476 |
| Tier 1 risk-based capital ratio | 42.3738% | 263 |
| Total risk-based capital ratio | 42.3738% | 274 |
| Memoranda: | ||
| Average total assets | $7,210,330 | 8,178 |
| Average earning assets | $6,353,670 | 8,166 |
| Average equity | $789,670 | 8,172 |
| Average total loans | $1,608,330 | 8,126 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8185% | 7,340 |
| Cost of funding earning assets | 0.6974% | 7,993 |
| Net interest margin | 4.1211% | 2,210 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 3.4864% | 2,135 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1107% | 5,951 |
| Return on assets (ROA) | 0.1107% | 6,111 |
| Pretax return on assets | 0.1107% | 6,140 |
| Return on Equity (ROE) | 1.0127% | 6,122 |
| Retained earnings to average equity (ytd only) | 1.0127% | 5,239 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9231% | 1,271 |
| Assets per employee ($millions) | 2.4250% | 7,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,168 |
| 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% | 7,590 |
| Net loans and leases to total assets | 21.9244% | 8,064 |
| Net loans and leases to deposits | 24.7210% | 8,092 |
| Net loans and leases to core deposits | 27.6143% | 8,100 |
| Total domestic deposits to total assets | 88.6873% | 1,386 |
| Equity capital to assets | 10.8729% | 3,103 |
| Core capital (leverage) ratio | 10.9436% | 2,546 |
| Tier 1 risk-based capital ratio | 41.3919% | 291 |
| Total risk-based capital ratio | 41.3919% | 314 |
| Memoranda: | ||
| Average total assets | $7,228,000 | 8,229 |
| Average earning assets | $6,309,000 | 8,216 |
| Average equity | $790,000 | 8,225 |
| Average total loans | $1,700,500 | 8,178 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8253% | 7,935 |
| Cost of funding earning assets | 0.9383% | 8,081 |
| Net interest margin | 3.8871% | 3,632 |
| Noninterest income to average assets | 0.0403% | 7,933 |
| Noninterest expense to average assets | 3.7035% | 1,951 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.1476% | 6,557 |
| Return on assets (ROA) | -0.1476% | 6,404 |
| Pretax return on assets | -0.1610% | 6,335 |
| Return on Equity (ROE) | -1.3136% | 6,404 |
| Retained earnings to average equity (ytd only) | -1.3136% | 5,684 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5455% | 853 |
| Assets per employee ($millions) | 2.3937% | 7,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,224 |
| 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 | 25.1497% | 8,088 |
| Net loans and leases to deposits | 28.4454% | 8,131 |
| Net loans and leases to core deposits | 31.8126% | 8,143 |
| Total domestic deposits to total assets | 88.4139% | 1,283 |
| Equity capital to assets | 10.9873% | 3,046 |
| Core capital (leverage) ratio | 10.9008% | 2,669 |
| Tier 1 risk-based capital ratio | 40.8385% | 322 |
| Total risk-based capital ratio | 40.8385% | 344 |
| Memoranda: | ||
| Average total assets | $7,452,400 | 8,280 |
| Average earning assets | $6,714,600 | 8,271 |
| Average equity | $837,400 | 8,284 |
| Average total loans | $1,751,800 | 8,235 |