Home > Anson Bank & Trust Co. > Performance and Condition Ratios
Anson Bank & Trust Co., Performance and Condition Ratios
| 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 | 4.1939% | 3,394 |
| Cost of funding earning assets | 0.4988% | 3,914 |
| Net interest margin | 3.6950% | 2,974 |
| Noninterest income to average assets | 0.1423% | 6,337 |
| Noninterest expense to average assets | 3.4789% | 1,656 |
| Loan and lease loss provision to assets | -1.3353% | 6,926 |
| Net operating income to assets | 0.9053% | 2,760 |
| Return on assets (ROA) | 0.9053% | 2,906 |
| Pretax return on assets | 1.3515% | 2,114 |
| Return on Equity (ROE) | 9.0196% | 2,600 |
| Retained earnings to average equity (ytd only) | 6.8936% | 1,934 |
| Net charge-offs to loans | -0.0223% | 6,002 |
| Credit loss provision to net charge-offs | 10,325.0000% | 25 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5375% | 504 |
| Assets per employee ($millions) | 8.0155% | 459 |
| Cash dividends to net income (ytd only)* | 23.5714% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 4,323 |
| Loan loss allowance to noncurrent loans | 134.0974% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 2.3844% | 1,792 |
| Noncurrent loans to loans | 0.9978% | 3,941 |
| Net loans and leases to total assets | 53.8160% | 4,615 |
| Net loans and leases to deposits | 59.9604% | 4,984 |
| Net loans and leases to core deposits | 66.7202% | 4,624 |
| Total domestic deposits to total assets | 89.7527% | 1,171 |
| Equity capital to assets | 9.7000% | 4,314 |
| Core capital (leverage) ratio | 10.2353% | 3,179 |
| Tier 1 risk-based capital ratio | 18.5042% | 2,142 |
| Total risk-based capital ratio | 19.7596% | 2,097 |
| Memoranda: | ||
| Average total assets | $61,859,000 | 5,809 |
| Average earning assets | $56,129,670 | 5,799 |
| Average equity | $6,208,670 | 5,877 |
| Average total loans | $35,901,330 | 5,579 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3302% | 2,764 |
| Cost of funding earning assets | 0.5550% | 3,521 |
| Net interest margin | 3.7753% | 2,542 |
| Noninterest income to average assets | 0.6389% | 2,937 |
| Noninterest expense to average assets | 3.5965% | 1,430 |
| Loan and lease loss provision to assets | -1.1725% | 6,998 |
| Net operating income to assets | 1.0737% | 1,957 |
| Return on assets (ROA) | 1.0737% | 2,065 |
| Pretax return on assets | 1.6204% | 1,256 |
| Return on Equity (ROE) | 10.5110% | 1,870 |
| Retained earnings to average equity (ytd only) | 7.8027% | 1,824 |
| Net charge-offs to loans | -0.0220% | 5,756 |
| Credit loss provision to net charge-offs | 8,900.0000% | 23 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9251% | 1,240 |
| Assets per employee ($millions) | 7.7199% | 555 |
| Cash dividends to net income (ytd only)* | 25.7669% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9568% | 2,152 |
| Loan loss allowance to noncurrent loans | 195.2646% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 2.7802% | 1,630 |
| Noncurrent loans to loans | 1.0021% | 4,125 |
| Net loans and leases to total assets | 56.8711% | 3,950 |
| Net loans and leases to deposits | 65.3548% | 4,139 |
| Net loans and leases to core deposits | 73.8452% | 3,595 |
| Total domestic deposits to total assets | 87.0189% | 2,950 |
| Equity capital to assets | 10.1491% | 3,959 |
| Core capital (leverage) ratio | 10.0132% | 3,368 |
| Tier 1 risk-based capital ratio | 18.5257% | 2,179 |
| Total risk-based capital ratio | 19.7865% | 2,149 |
| Memoranda: | ||
| Average total assets | $60,726,500 | 5,893 |
| Average earning assets | $54,777,500 | 5,882 |
| Average equity | $6,203,000 | 5,940 |
| Average total loans | $36,363,500 | 5,603 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0871% | 1,338 |
| Cost of funding earning assets | 0.6708% | 3,735 |
| Net interest margin | 4.4163% | 1,131 |
| Noninterest income to average assets | 0.3972% | 4,637 |
| Noninterest expense to average assets | 5.7301% | 247 |
| Loan and lease loss provision to assets | -0.0390% | 6,857 |
| Net operating income to assets | -1.2690% | 6,813 |
| Return on assets (ROA) | -1.0201% | 6,768 |
| Pretax return on assets | -1.0846% | 6,752 |
| Return on Equity (ROE) | -8.8813% | 6,699 |
| Retained earnings to average equity (ytd only) | -10.2113% | 6,644 |
| Net charge-offs to loans | 0.2574% | 3,399 |
| Credit loss provision to net charge-offs | -22.7723% | 6,237 |
| Earnings coverage of net charge-offs (x) | -8.0990% | 5,935 |
| Efficiency ratio | 93.3933% | 835 |
| Assets per employee ($millions) | 7.4618% | 633 |
| Cash dividends to net income (ytd only)* | -14.9750% | 7,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3765% | 1,271 |
| Loan loss allowance to noncurrent loans | 254.9419% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 2.8562% | 1,673 |
| Noncurrent loans to loans | 0.9322% | 4,328 |
| Net loans and leases to total assets | 60.3511% | 3,539 |
| Net loans and leases to deposits | 70.6600% | 3,611 |
| Net loans and leases to core deposits | 80.1825% | 2,980 |
| Total domestic deposits to total assets | 85.4106% | 3,656 |
| Equity capital to assets | 10.2824% | 3,783 |
| Core capital (leverage) ratio | 9.9198% | 3,514 |
| Tier 1 risk-based capital ratio | 17.7847% | 2,345 |
| Total risk-based capital ratio | 19.0524% | 2,303 |
| Memoranda: | ||
| Average total assets | $58,916,600 | 5,949 |
| Average earning assets | $52,623,400 | 5,967 |
| Average equity | $6,767,000 | 5,825 |
| Average total loans | $39,242,800 | 5,540 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0795% | 1,474 |
| Cost of funding earning assets | 0.6892% | 3,861 |
| Net interest margin | 4.3904% | 1,219 |
| Noninterest income to average assets | 0.7311% | 2,561 |
| Noninterest expense to average assets | 4.1982% | 723 |
| Loan and lease loss provision to assets | 0.1408% | 3,776 |
| Net operating income to assets | 0.2000% | 5,916 |
| Return on assets (ROA) | 0.1635% | 6,151 |
| Pretax return on assets | 0.2430% | 6,055 |
| Return on Equity (ROE) | 1.3864% | 6,175 |
| Retained earnings to average equity (ytd only) | 0.0963% | 6,044 |
| Net charge-offs to loans | 0.2712% | 3,100 |
| Credit loss provision to net charge-offs | 76.5432% | 3,720 |
| Earnings coverage of net charge-offs (x) | 2.3827% | 4,085 |
| Efficiency ratio | 90.5485% | 999 |
| Assets per employee ($millions) | 6.5741% | 916 |
| Cash dividends to net income (ytd only)* | 93.0521% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6301% | 1,052 |
| Loan loss allowance to noncurrent loans | 151.3097% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 3.2704% | 1,560 |
| Noncurrent loans to loans | 1.7382% | 3,178 |
| Net loans and leases to total assets | 61.4447% | 3,486 |
| Net loans and leases to deposits | 71.2089% | 3,716 |
| Net loans and leases to core deposits | 80.5597% | 3,136 |
| Total domestic deposits to total assets | 86.2880% | 3,097 |
| Equity capital to assets | 11.7751% | 2,455 |
| Core capital (leverage) ratio | 9.7594% | 3,860 |
| Tier 1 risk-based capital ratio | 16.9907% | 2,732 |
| Total risk-based capital ratio | 18.2602% | 2,685 |
| Memoranda: | ||
| Average total assets | $58,722,250 | 6,018 |
| Average earning assets | $52,234,500 | 6,048 |
| Average equity | $6,924,250 | 5,850 |
| Average total loans | $39,827,750 | 5,582 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0981% | 1,507 |
| Cost of funding earning assets | 0.6997% | 4,018 |
| Net interest margin | 4.3984% | 1,200 |
| Noninterest income to average assets | 0.8400% | 2,006 |
| Noninterest expense to average assets | 3.9403% | 1,018 |
| Loan and lease loss provision to assets | 0.2015% | 3,063 |
| Net operating income to assets | 0.4066% | 5,190 |
| Return on assets (ROA) | 0.3517% | 5,649 |
| Pretax return on assets | 0.5224% | 5,383 |
| Return on Equity (ROE) | 2.9812% | 5,702 |
| Retained earnings to average equity (ytd only) | 1.6787% | 5,361 |
| Net charge-offs to loans | 0.0639% | 4,537 |
| Credit loss provision to net charge-offs | 453.8462% | 658 |
| Earnings coverage of net charge-offs (x) | 18.1538% | 1,498 |
| Efficiency ratio | 83.0216% | 1,741 |
| Assets per employee ($millions) | 6.5876% | 912 |
| Cash dividends to net income (ytd only)* | 43.6893% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6524% | 1,098 |
| Loan loss allowance to noncurrent loans | 102.9499% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 4.1020% | 1,227 |
| Noncurrent loans to loans | 2.5764% | 2,335 |
| Net loans and leases to total assets | 64.8124% | 2,872 |
| Net loans and leases to deposits | 75.1124% | 3,111 |
| Net loans and leases to core deposits | 87.0055% | 2,313 |
| Total domestic deposits to total assets | 86.2873% | 3,205 |
| Equity capital to assets | 11.7579% | 2,357 |
| Core capital (leverage) ratio | 9.9610% | 3,471 |
| Tier 1 risk-based capital ratio | 16.5723% | 2,873 |
| Total risk-based capital ratio | 17.8453% | 2,821 |
| Memoranda: | ||
| Average total assets | $58,574,000 | 6,058 |
| Average earning assets | $52,019,330 | 6,090 |
| Average equity | $6,910,000 | 5,876 |
| Average total loans | $40,658,000 | 5,569 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2040% | 1,311 |
| Cost of funding earning assets | 0.7058% | 4,230 |
| Net interest margin | 4.4982% | 1,013 |
| Noninterest income to average assets | 0.8039% | 2,149 |
| Noninterest expense to average assets | 3.9851% | 955 |
| Loan and lease loss provision to assets | 0.3092% | 2,039 |
| Net operating income to assets | 0.3229% | 5,577 |
| Return on assets (ROA) | 0.3229% | 5,745 |
| Pretax return on assets | 0.4947% | 5,446 |
| Return on Equity (ROE) | 2.7328% | 5,816 |
| Retained earnings to average equity (ytd only) | 1.4536% | 5,507 |
| Net charge-offs to loans | 0.1648% | 3,102 |
| Credit loss provision to net charge-offs | 264.7059% | 1,093 |
| Earnings coverage of net charge-offs (x) | 6.8824% | 2,143 |
| Efficiency ratio | 83.2138% | 1,770 |
| Assets per employee ($millions) | 7.4505% | 605 |
| Cash dividends to net income (ytd only)* | 46.8085% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4961% | 1,365 |
| Loan loss allowance to noncurrent loans | 99.5164% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 4.1205% | 1,331 |
| Noncurrent loans to loans | 2.5082% | 2,602 |
| Net loans and leases to total assets | 67.4367% | 2,210 |
| Net loans and leases to deposits | 77.9094% | 2,529 |
| Net loans and leases to core deposits | 90.3746% | 1,814 |
| Total domestic deposits to total assets | 86.5579% | 3,204 |
| Equity capital to assets | 11.5294% | 2,414 |
| Core capital (leverage) ratio | 10.0883% | 3,258 |
| Tier 1 risk-based capital ratio | 15.8678% | 3,237 |
| Total risk-based capital ratio | 17.1380% | 3,198 |
| Memoranda: | ||
| Average total assets | $58,217,000 | 6,113 |
| Average earning assets | $51,576,000 | 6,139 |
| Average equity | $6,879,500 | 5,908 |
| Average total loans | $41,250,500 | 5,584 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3931% | 1,432 |
| Cost of funding earning assets | 0.8632% | 4,370 |
| Net interest margin | 4.5299% | 1,069 |
| Noninterest income to average assets | 0.6703% | 2,781 |
| Noninterest expense to average assets | 3.8158% | 1,316 |
| Loan and lease loss provision to assets | 0.4364% | 2,412 |
| Net operating income to assets | 0.3071% | 5,226 |
| Return on assets (ROA) | 0.3439% | 5,248 |
| Pretax return on assets | 0.5027% | 4,985 |
| Return on Equity (ROE) | 3.0362% | 5,270 |
| Retained earnings to average equity (ytd only) | 1.7878% | 4,941 |
| Net charge-offs to loans | 0.5188% | 2,915 |
| Credit loss provision to net charge-offs | 114.6789% | 2,848 |
| Earnings coverage of net charge-offs (x) | 2.3257% | 4,055 |
| Efficiency ratio | 81.1734% | 2,137 |
| Assets per employee ($millions) | 7.1038% | 692 |
| Cash dividends to net income (ytd only)* | 41.1168% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4251% | 1,415 |
| Loan loss allowance to noncurrent loans | 123.5802% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 3.8325% | 1,505 |
| Noncurrent loans to loans | 1.9624% | 3,256 |
| Net loans and leases to total assets | 70.8710% | 1,851 |
| Net loans and leases to deposits | 85.2926% | 1,762 |
| Net loans and leases to core deposits | 99.9157% | 1,188 |
| Total domestic deposits to total assets | 83.0917% | 4,708 |
| Equity capital to assets | 12.1186% | 2,033 |
| Core capital (leverage) ratio | 10.1432% | 3,177 |
| Tier 1 risk-based capital ratio | 15.7322% | 3,202 |
| Total risk-based capital ratio | 16.9996% | 3,155 |
| Memoranda: | ||
| Average total assets | $57,288,000 | 6,131 |
| Average earning assets | $50,972,400 | 6,160 |
| Average equity | $6,488,400 | 6,015 |
| Average total loans | $42,020,200 | 5,600 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3865% | 1,556 |
| Cost of funding earning assets | 0.8917% | 4,456 |
| Net interest margin | 4.4948% | 1,166 |
| Noninterest income to average assets | 0.6689% | 2,778 |
| Noninterest expense to average assets | 3.7837% | 1,332 |
| Loan and lease loss provision to assets | 0.3205% | 2,974 |
| Net operating income to assets | 0.4041% | 4,979 |
| Return on assets (ROA) | 0.4553% | 4,942 |
| Pretax return on assets | 0.6411% | 4,680 |
| Return on Equity (ROE) | 4.0905% | 4,955 |
| Retained earnings to average equity (ytd only) | 2.8801% | 4,632 |
| Net charge-offs to loans | 0.6571% | 2,283 |
| Credit loss provision to net charge-offs | 66.3462% | 4,592 |
| Earnings coverage of net charge-offs (x) | 1.8413% | 4,285 |
| Efficiency ratio | 80.9642% | 2,111 |
| Assets per employee ($millions) | 8.2081% | 436 |
| Cash dividends to net income (ytd only)* | 29.5909% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1684% | 1,924 |
| Loan loss allowance to noncurrent loans | 131.6252% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 3.6584% | 1,714 |
| Noncurrent loans to loans | 1.6474% | 3,824 |
| Net loans and leases to total assets | 70.5919% | 1,965 |
| Net loans and leases to deposits | 87.5685% | 1,481 |
| Net loans and leases to core deposits | 102.8554% | 1,047 |
| Total domestic deposits to total assets | 80.6133% | 5,561 |
| Equity capital to assets | 11.9881% | 2,259 |
| Core capital (leverage) ratio | 10.1365% | 3,258 |
| Tier 1 risk-based capital ratio | 15.5093% | 3,381 |
| Total risk-based capital ratio | 16.7731% | 3,336 |
| Memoranda: | ||
| Average total assets | $57,402,500 | 6,169 |
| Average earning assets | $51,138,750 | 6,199 |
| Average equity | $6,388,750 | 6,088 |
| Average total loans | $42,206,000 | 5,642 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3718% | 1,644 |
| Cost of funding earning assets | 0.9220% | 4,507 |
| Net interest margin | 4.4498% | 1,243 |
| Noninterest income to average assets | 0.7215% | 2,430 |
| Noninterest expense to average assets | 3.7467% | 1,455 |
| Loan and lease loss provision to assets | 0.4879% | 2,018 |
| Net operating income to assets | 0.3324% | 5,236 |
| Return on assets (ROA) | 0.4113% | 5,049 |
| Pretax return on assets | 0.5646% | 4,863 |
| Return on Equity (ROE) | 3.7928% | 5,024 |
| Retained earnings to average equity (ytd only) | 2.6357% | 4,617 |
| Net charge-offs to loans | 0.9752% | 1,611 |
| Credit loss provision to net charge-offs | 67.6329% | 4,127 |
| Earnings coverage of net charge-offs (x) | 1.3092% | 4,300 |
| Efficiency ratio | 79.8663% | 2,406 |
| Assets per employee ($millions) | 8.1556% | 429 |
| Cash dividends to net income (ytd only)* | 30.5085% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1899% | 1,942 |
| Loan loss allowance to noncurrent loans | 126.5077% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 3.6452% | 1,798 |
| Noncurrent loans to loans | 1.7310% | 3,845 |
| Net loans and leases to total assets | 70.5688% | 2,099 |
| Net loans and leases to deposits | 83.4134% | 2,199 |
| Net loans and leases to core deposits | 98.8929% | 1,439 |
| Total domestic deposits to total assets | 84.6012% | 4,077 |
| Equity capital to assets | 11.5732% | 2,439 |
| Core capital (leverage) ratio | 10.1123% | 3,130 |
| Tier 1 risk-based capital ratio | 15.6185% | 3,174 |
| Total risk-based capital ratio | 16.8845% | 3,127 |
| Memoranda: | ||
| Average total assets | $57,384,330 | 6,224 |
| Average earning assets | $51,193,000 | 6,251 |
| Average equity | $6,222,330 | 6,165 |
| Average total loans | $42,455,000 | 5,685 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3393% | 1,753 |
| Cost of funding earning assets | 0.9609% | 4,492 |
| Net interest margin | 4.3784% | 1,344 |
| Noninterest income to average assets | 0.7370% | 2,338 |
| Noninterest expense to average assets | 3.6849% | 1,564 |
| Loan and lease loss provision to assets | 0.9595% | 820 |
| Net operating income to assets | 0.0138% | 6,322 |
| Return on assets (ROA) | 0.1669% | 5,943 |
| Pretax return on assets | 0.2364% | 5,850 |
| Return on Equity (ROE) | 1.5920% | 5,945 |
| Retained earnings to average equity (ytd only) | 0.7297% | 5,531 |
| Net charge-offs to loans | 0.0464% | 4,476 |
| Credit loss provision to net charge-offs | 2,760.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 28.2000% | 866 |
| Efficiency ratio | 78.9866% | 2,694 |
| Assets per employee ($millions) | 7.1319% | 692 |
| Cash dividends to net income (ytd only)* | 54.1667% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6188% | 1,290 |
| Loan loss allowance to noncurrent loans | 65.3618% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 4.1031% | 1,623 |
| Noncurrent loans to loans | 4.0066% | 1,814 |
| Net loans and leases to total assets | 71.8237% | 1,756 |
| Net loans and leases to deposits | 86.2262% | 1,693 |
| Net loans and leases to core deposits | 102.5449% | 1,159 |
| Total domestic deposits to total assets | 83.2968% | 4,796 |
| Equity capital to assets | 11.2383% | 2,469 |
| Core capital (leverage) ratio | 10.0722% | 3,069 |
| Tier 1 risk-based capital ratio | 15.3389% | 3,242 |
| Total risk-based capital ratio | 16.6115% | 3,194 |
| Memoranda: | ||
| Average total assets | $57,532,000 | 6,273 |
| Average earning assets | $51,617,500 | 6,284 |
| Average equity | $6,030,000 | 6,237 |
| Average total loans | $43,088,000 | 5,701 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6413% | 1,769 |
| Cost of funding earning assets | 1.2562% | 4,172 |
| Net interest margin | 4.3850% | 1,533 |
| Noninterest income to average assets | 0.6844% | 2,942 |
| Noninterest expense to average assets | 3.8897% | 1,334 |
| Loan and lease loss provision to assets | 1.1662% | 1,354 |
| Net operating income to assets | -0.3672% | 6,281 |
| Return on assets (ROA) | 0.0853% | 5,759 |
| Pretax return on assets | 0.0960% | 5,707 |
| Return on Equity (ROE) | 0.8165% | 5,749 |
| Retained earnings to average equity (ytd only) | -0.0340% | 5,595 |
| Net charge-offs to loans | 0.3989% | 4,046 |
| Credit loss provision to net charge-offs | 385.8824% | 641 |
| Earnings coverage of net charge-offs (x) | 2.4941% | 3,870 |
| Efficiency ratio | 83.7672% | 1,944 |
| Assets per employee ($millions) | 7.2511% | 665 |
| Cash dividends to net income (ytd only)* | 104.1667% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1975% | 1,873 |
| Loan loss allowance to noncurrent loans | 62.1951% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 3.8149% | 1,792 |
| Noncurrent loans to loans | 3.5333% | 2,135 |
| Net loans and leases to total assets | 74.3436% | 1,588 |
| Net loans and leases to deposits | 89.5065% | 1,589 |
| Net loans and leases to core deposits | 106.3238% | 1,170 |
| Total domestic deposits to total assets | 83.0595% | 4,771 |
| Equity capital to assets | 9.7364% | 4,071 |
| Core capital (leverage) ratio | 8.4327% | 5,478 |
| Tier 1 risk-based capital ratio | 12.5662% | 4,962 |
| Total risk-based capital ratio | 13.8325% | 4,941 |
| Memoranda: | ||
| Average total assets | $56,251,400 | 6,334 |
| Average earning assets | $50,786,400 | 6,336 |
| Average equity | $5,878,800 | 6,401 |
| Average total loans | $42,618,600 | 5,811 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7472% | 1,559 |
| Cost of funding earning assets | 1.2868% | 4,314 |
| Net interest margin | 4.4603% | 1,344 |
| Noninterest income to average assets | 0.6498% | 3,123 |
| Noninterest expense to average assets | 3.8270% | 1,324 |
| Loan and lease loss provision to assets | 1.1945% | 1,201 |
| Net operating income to assets | -0.2240% | 6,350 |
| Return on assets (ROA) | 0.2269% | 5,586 |
| Pretax return on assets | 0.3440% | 5,390 |
| Return on Equity (ROE) | 2.1336% | 5,566 |
| Retained earnings to average equity (ytd only) | 1.2802% | 5,296 |
| Net charge-offs to loans | 0.2240% | 4,595 |
| Credit loss provision to net charge-offs | 704.2254% | 422 |
| Earnings coverage of net charge-offs (x) | 5.0425% | 2,863 |
| Efficiency ratio | 81.7347% | 2,089 |
| Assets per employee ($millions) | 8.2359% | 466 |
| Cash dividends to net income (ytd only)* | 40.0047% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0828% | 2,040 |
| Loan loss allowance to noncurrent loans | 71.3281% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 2.4995% | 2,870 |
| Noncurrent loans to loans | 2.9200% | 2,733 |
| Net loans and leases to total assets | 74.4514% | 1,700 |
| Net loans and leases to deposits | 92.8164% | 1,353 |
| Net loans and leases to core deposits | 110.3337% | 1,018 |
| Total domestic deposits to total assets | 80.2137% | 5,632 |
| Equity capital to assets | 10.2583% | 3,816 |
| Core capital (leverage) ratio | 8.7379% | 5,126 |
| Tier 1 risk-based capital ratio | 12.8629% | 4,681 |
| Total risk-based capital ratio | 14.1274% | 4,659 |
| Memoranda: | ||
| Average total assets | $55,812,000 | 6,421 |
| Average earning assets | $50,458,500 | 6,422 |
| Average equity | $5,936,500 | 6,466 |
| Average total loans | $42,249,500 | 5,909 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8066% | 1,408 |
| Cost of funding earning assets | 1.3273% | 4,363 |
| Net interest margin | 4.4792% | 1,250 |
| Noninterest income to average assets | 0.5544% | 3,672 |
| Noninterest expense to average assets | 3.8914% | 1,199 |
| Loan and lease loss provision to assets | 0.2826% | 4,136 |
| Net operating income to assets | 0.2861% | 5,234 |
| Return on assets (ROA) | 0.3080% | 5,299 |
| Pretax return on assets | 0.4602% | 5,029 |
| Return on Equity (ROE) | 2.8600% | 5,298 |
| Retained earnings to average equity (ytd only) | 2.0188% | 4,851 |
| Net charge-offs to loans | 0.2780% | 3,946 |
| Credit loss provision to net charge-offs | 134.4828% | 2,980 |
| Earnings coverage of net charge-offs (x) | 3.3793% | 3,349 |
| Efficiency ratio | 84.5669% | 1,858 |
| Assets per employee ($millions) | 7.9444% | 514 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 5,542 |
| Loan loss allowance to noncurrent loans | 268.9840% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.6222% | 5,941 |
| Noncurrent loans to loans | 0.4396% | 6,364 |
| Net loans and leases to total assets | 75.5804% | 1,574 |
| Net loans and leases to deposits | 99.2327% | 786 |
| Net loans and leases to core deposits | 108.6016% | 1,254 |
| Total domestic deposits to total assets | 76.1648% | 6,657 |
| Equity capital to assets | 10.8899% | 2,979 |
| Core capital (leverage) ratio | 8.9711% | 4,653 |
| Tier 1 risk-based capital ratio | 12.7716% | 4,629 |
| Total risk-based capital ratio | 14.0238% | 4,593 |
| Memoranda: | ||
| Average total assets | $55,199,000 | 6,482 |
| Average earning assets | $49,874,670 | 6,479 |
| Average equity | $5,944,000 | 6,485 |
| Average total loans | $41,721,000 | 5,970 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7702% | 1,556 |
| Cost of funding earning assets | 1.3719% | 4,344 |
| Net interest margin | 4.3983% | 1,395 |
| Noninterest income to average assets | 0.5528% | 3,631 |
| Noninterest expense to average assets | 3.8769% | 1,212 |
| Loan and lease loss provision to assets | 0.0727% | 5,908 |
| Net operating income to assets | 0.3971% | 4,855 |
| Return on assets (ROA) | 0.3564% | 5,172 |
| Pretax return on assets | 0.5092% | 4,927 |
| Return on Equity (ROE) | 3.3288% | 5,193 |
| Retained earnings to average equity (ytd only) | 2.5136% | 4,628 |
| Net charge-offs to loans | 0.5325% | 2,469 |
| Credit loss provision to net charge-offs | 18.1818% | 4,966 |
| Earnings coverage of net charge-offs (x) | 1.6000% | 3,767 |
| Efficiency ratio | 85.8293% | 1,812 |
| Assets per employee ($millions) | 7.8109% | 555 |
| Cash dividends to net income (ytd only)* | 24.4898% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 6,132 |
| Loan loss allowance to noncurrent loans | 497.7273% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.9401% | 5,264 |
| Noncurrent loans to loans | 0.2157% | 6,907 |
| Net loans and leases to total assets | 73.8112% | 2,010 |
| Net loans and leases to deposits | 95.0673% | 1,222 |
| Net loans and leases to core deposits | 109.4397% | 1,318 |
| Total domestic deposits to total assets | 77.6410% | 6,415 |
| Equity capital to assets | 10.8530% | 2,891 |
| Core capital (leverage) ratio | 8.8466% | 4,795 |
| Tier 1 risk-based capital ratio | 13.1569% | 4,237 |
| Total risk-based capital ratio | 14.3495% | 4,231 |
| Memoranda: | ||
| Average total assets | $54,993,000 | 6,570 |
| Average earning assets | $49,565,000 | 6,566 |
| Average equity | $5,888,000 | 6,559 |
| Average total loans | $41,314,500 | 6,060 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9831% | 1,934 |
| Cost of funding earning assets | 1.9511% | 3,204 |
| Net interest margin | 4.0321% | 2,737 |
| Noninterest income to average assets | 0.6703% | 3,158 |
| Noninterest expense to average assets | 4.5114% | 792 |
| Loan and lease loss provision to assets | 0.5224% | 3,760 |
| Net operating income to assets | -0.4763% | 6,154 |
| Return on assets (ROA) | -0.6261% | 6,290 |
| Pretax return on assets | -0.9584% | 6,388 |
| Return on Equity (ROE) | -6.3252% | 6,337 |
| Retained earnings to average equity (ytd only) | -6.3252% | 6,181 |
| Net charge-offs to loans | 0.5310% | 3,659 |
| Credit loss provision to net charge-offs | 133.3333% | 3,740 |
| Earnings coverage of net charge-offs (x) | -0.5245% | 6,704 |
| Efficiency ratio | 104.7725% | 934 |
| Assets per employee ($millions) | 6.1456% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 5,619 |
| Loan loss allowance to noncurrent loans | 119.2593% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 1.2059% | 4,688 |
| Noncurrent loans to loans | 0.9681% | 5,379 |
| Net loans and leases to total assets | 74.7622% | 2,086 |
| Net loans and leases to deposits | 94.4907% | 1,532 |
| Net loans and leases to core deposits | 125.6678% | 1,542 |
| Total domestic deposits to total assets | 79.1213% | 5,946 |
| Equity capital to assets | 10.5623% | 3,114 |
| Core capital (leverage) ratio | 8.8333% | 4,715 |
| Tier 1 risk-based capital ratio | 12.1205% | 4,836 |
| Total risk-based capital ratio | 13.3414% | 4,826 |
| Memoranda: | ||
| Average total assets | $52,068,000 | 6,636 |
| Average earning assets | $46,948,600 | 6,637 |
| Average equity | $5,154,000 | 6,888 |
| Average total loans | $38,420,600 | 6,180 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9526% | 2,220 |
| Cost of funding earning assets | 2.0515% | 3,113 |
| Net interest margin | 3.9010% | 3,236 |
| Noninterest income to average assets | 0.6737% | 3,188 |
| Noninterest expense to average assets | 4.0578% | 1,201 |
| Loan and lease loss provision to assets | 0.3954% | 3,941 |
| Net operating income to assets | -0.1676% | 6,005 |
| Return on assets (ROA) | -0.0078% | 5,782 |
| Pretax return on assets | -0.0130% | 5,727 |
| Return on Equity (ROE) | -0.0803% | 5,787 |
| Retained earnings to average equity (ytd only) | -0.0803% | 5,227 |
| Net charge-offs to loans | 0.5892% | 2,908 |
| Credit loss provision to net charge-offs | 91.5663% | 5,440 |
| Earnings coverage of net charge-offs (x) | 0.3072% | 5,715 |
| Efficiency ratio | 96.8343% | 1,222 |
| Assets per employee ($millions) | 6.2052% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 6,562 |
| Loan loss allowance to noncurrent loans | 90.9502% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 1.2463% | 4,571 |
| Noncurrent loans to loans | 1.0416% | 5,233 |
| Net loans and leases to total assets | 75.2646% | 2,169 |
| Net loans and leases to deposits | 96.0403% | 1,571 |
| Net loans and leases to core deposits | 130.0405% | 1,437 |
| Total domestic deposits to total assets | 78.3677% | 5,989 |
| Equity capital to assets | 8.9101% | 5,621 |
| Core capital (leverage) ratio | 7.8328% | 6,579 |
| Tier 1 risk-based capital ratio | 10.1281% | 6,851 |
| Total risk-based capital ratio | 11.1168% | 7,048 |
| Memoranda: | ||
| Average total assets | $51,257,500 | 6,717 |
| Average earning assets | $46,208,750 | 6,726 |
| Average equity | $4,982,000 | 7,004 |
| Average total loans | $37,567,250 | 6,255 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9104% | 2,541 |
| Cost of funding earning assets | 2.1684% | 2,946 |
| Net interest margin | 3.7421% | 3,786 |
| Noninterest income to average assets | 0.7682% | 2,598 |
| Noninterest expense to average assets | 4.0380% | 1,265 |
| Loan and lease loss provision to assets | 0.3579% | 3,779 |
| Net operating income to assets | -0.1971% | 6,183 |
| Return on assets (ROA) | -0.1971% | 6,210 |
| Pretax return on assets | -0.2614% | 6,189 |
| Return on Equity (ROE) | -1.9663% | 6,218 |
| Retained earnings to average equity (ytd only) | -1.9663% | 5,735 |
| Net charge-offs to loans | 0.6899% | 2,324 |
| Credit loss provision to net charge-offs | 71.7742% | 5,388 |
| Earnings coverage of net charge-offs (x) | 0.1935% | 5,479 |
| Efficiency ratio | 97.6654% | 1,282 |
| Assets per employee ($millions) | 5.4291% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0598% | 5,837 |
| Loan loss allowance to noncurrent loans | 29.3755% | 6,534 |
| Noncurrent assets plus other real estate owned to assets | 3.4342% | 1,819 |
| Noncurrent loans to loans | 3.6077% | 1,929 |
| Net loans and leases to total assets | 72.7969% | 3,004 |
| Net loans and leases to deposits | 90.4077% | 2,766 |
| Net loans and leases to core deposits | 118.5390% | 2,497 |
| Total domestic deposits to total assets | 80.5206% | 5,271 |
| Equity capital to assets | 10.0876% | 3,829 |
| Core capital (leverage) ratio | 8.2593% | 5,869 |
| Tier 1 risk-based capital ratio | 11.4642% | 5,428 |
| Total risk-based capital ratio | 12.5366% | 5,512 |
| Memoranda: | ||
| Average total assets | $49,727,670 | 6,842 |
| Average earning assets | $44,734,330 | 6,848 |
| Average equity | $4,984,000 | 7,070 |
| Average total loans | $35,944,670 | 6,405 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9816% | 2,437 |
| Cost of funding earning assets | 2.2154% | 3,087 |
| Net interest margin | 3.7662% | 3,597 |
| Noninterest income to average assets | 0.8293% | 2,181 |
| Noninterest expense to average assets | 3.8596% | 1,369 |
| Loan and lease loss provision to assets | 0.1675% | 4,788 |
| Net operating income to assets | 0.1435% | 5,840 |
| Return on assets (ROA) | 0.1435% | 6,011 |
| Pretax return on assets | 0.1914% | 5,961 |
| Return on Equity (ROE) | 1.4367% | 5,992 |
| Retained earnings to average equity (ytd only) | 1.4367% | 5,048 |
| Net charge-offs to loans | 1.3911% | 1,019 |
| Credit loss provision to net charge-offs | 16.8000% | 5,115 |
| Earnings coverage of net charge-offs (x) | 0.3600% | 4,688 |
| Efficiency ratio | 91.4934% | 1,611 |
| Assets per employee ($millions) | 6.3474% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8828% | 6,821 |
| Loan loss allowance to noncurrent loans | 53.1516% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 1.9063% | 3,047 |
| Noncurrent loans to loans | 1.6609% | 3,782 |
| Net loans and leases to total assets | 68.9852% | 3,917 |
| Net loans and leases to deposits | 85.1193% | 3,791 |
| Net loans and leases to core deposits | 113.8706% | 3,019 |
| Total domestic deposits to total assets | 81.0453% | 4,951 |
| Equity capital to assets | 9.9057% | 4,110 |
| Core capital (leverage) ratio | 8.3841% | 5,743 |
| Tier 1 risk-based capital ratio | 11.5402% | 5,363 |
| Total risk-based capital ratio | 12.4101% | 5,669 |
| Memoranda: | ||
| Average total assets | $50,160,500 | 6,857 |
| Average earning assets | $45,138,500 | 6,876 |
| Average equity | $5,011,500 | 7,104 |
| Average total loans | $35,941,500 | 6,444 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6408% | 2,285 |
| Cost of funding earning assets | 2.8841% | 2,331 |
| Net interest margin | 3.7568% | 4,194 |
| Noninterest income to average assets | 0.6202% | 3,716 |
| Noninterest expense to average assets | 3.8030% | 1,746 |
| Loan and lease loss provision to assets | 0.0737% | 6,477 |
| Net operating income to assets | 0.0962% | 6,121 |
| Return on assets (ROA) | 0.0962% | 5,967 |
| Pretax return on assets | 0.1269% | 5,891 |
| Return on Equity (ROE) | 0.9293% | 5,942 |
| Retained earnings to average equity (ytd only) | 0.9293% | 4,674 |
| Net charge-offs to loans | 0.0214% | 6,554 |
| Credit loss provision to net charge-offs | 450.0000% | 973 |
| Earnings coverage of net charge-offs (x) | 12.2500% | 2,268 |
| Efficiency ratio | 94.9898% | 1,221 |
| Assets per employee ($millions) | 6.1928% | 1,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 4,997 |
| Loan loss allowance to noncurrent loans | 53.0612% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 1.5825% | 3,072 |
| Noncurrent loans to loans | 2.1455% | 2,571 |
| Net loans and leases to total assets | 72.9179% | 3,379 |
| Net loans and leases to deposits | 90.3939% | 3,384 |
| Net loans and leases to core deposits | 117.8168% | 2,910 |
| Total domestic deposits to total assets | 80.6669% | 4,786 |
| Equity capital to assets | 10.0783% | 3,942 |
| Core capital (leverage) ratio | 8.7138% | 5,173 |
| Tier 1 risk-based capital ratio | 11.5115% | 5,230 |
| Total risk-based capital ratio | 12.6735% | 5,219 |
| Memoranda: | ||
| Average total assets | $48,856,600 | 6,828 |
| Average earning assets | $44,000,400 | 6,853 |
| Average equity | $5,057,400 | 7,128 |
| Average total loans | $37,336,200 | 6,297 |