Home > Bally Savings Bank > Performance and Condition Ratios
Bally Savings Bank, Performance and Condition Ratios
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4663% | 4,783 |
| Cost of funding earning assets | 0.9305% | 240 |
| Net interest margin | 2.5357% | 5,517 |
| Noninterest income to average assets | 0.0602% | 5,706 |
| Noninterest expense to average assets | 1.3774% | 5,706 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7000% | 3,701 |
| Return on assets (ROA) | 0.7000% | 3,742 |
| Pretax return on assets | 1.1441% | 2,800 |
| Return on Equity (ROE) | 7.4932% | 3,168 |
| Retained earnings to average equity (ytd only) | 7.4932% | 1,655 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6269% | 5,079 |
| Assets per employee ($millions) | 17.7540% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8163% | 5,021 |
| Loan loss allowance to noncurrent loans | 17.1079% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 2.7656% | 387 |
| Noncurrent loans to loans | 4.7716% | 177 |
| Net loans and leases to total assets | 57.4856% | 4,014 |
| Net loans and leases to deposits | 65.2530% | 4,231 |
| Net loans and leases to core deposits | 66.5580% | 4,394 |
| Total domestic deposits to total assets | 88.0966% | 1,662 |
| Equity capital to assets | 9.4045% | 4,384 |
| Core capital (leverage) ratio | 9.2305% | 4,434 |
| Tier 1 risk-based capital ratio | 23.4796% | 918 |
| Total risk-based capital ratio | 24.6845% | 913 |
| Memoranda: | ||
| Average total assets | $53,142,500 | 5,242 |
| Average earning assets | $51,582,500 | 5,182 |
| Average equity | $4,964,500 | 5,423 |
| Average total loans | $30,840,500 | 5,132 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3533% | 5,069 |
| Cost of funding earning assets | 0.9200% | 269 |
| Net interest margin | 2.4334% | 5,619 |
| Noninterest income to average assets | 0.0838% | 5,685 |
| Noninterest expense to average assets | 1.2612% | 5,819 |
| Loan and lease loss provision to assets | 0.0224% | 3,924 |
| Net operating income to assets | 0.7191% | 3,696 |
| Return on assets (ROA) | 0.7191% | 3,810 |
| Pretax return on assets | 1.1606% | 2,852 |
| Return on Equity (ROE) | 8.0397% | 2,911 |
| Retained earnings to average equity (ytd only) | 8.0397% | 847 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6006% | 5,406 |
| Assets per employee ($millions) | 13.2558% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8179% | 5,056 |
| Loan loss allowance to noncurrent loans | 17.0040% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 2.7950% | 393 |
| Noncurrent loans to loans | 4.8100% | 172 |
| Net loans and leases to total assets | 57.6335% | 4,105 |
| Net loans and leases to deposits | 65.1703% | 4,316 |
| Net loans and leases to core deposits | 66.4745% | 4,495 |
| Total domestic deposits to total assets | 88.4352% | 1,417 |
| Equity capital to assets | 9.2790% | 4,496 |
| Core capital (leverage) ratio | 9.0442% | 4,684 |
| Tier 1 risk-based capital ratio | 23.3170% | 936 |
| Total risk-based capital ratio | 24.5366% | 925 |
| Memoranda: | ||
| Average total assets | $53,677,800 | 5,270 |
| Average earning assets | $52,067,800 | 5,205 |
| Average equity | $4,801,200 | 5,501 |
| Average total loans | $30,015,600 | 5,186 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3325% | 5,162 |
| Cost of funding earning assets | 0.9117% | 273 |
| Net interest margin | 2.4209% | 5,706 |
| Noninterest income to average assets | 0.0619% | 5,803 |
| Noninterest expense to average assets | 1.2877% | 5,873 |
| Loan and lease loss provision to assets | 0.0149% | 3,949 |
| Net operating income to assets | 0.7602% | 3,565 |
| Return on assets (ROA) | 0.7602% | 3,693 |
| Pretax return on assets | 1.1069% | 3,204 |
| Return on Equity (ROE) | 8.5784% | 2,718 |
| Retained earnings to average equity (ytd only) | 8.5784% | 947 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4430% | 5,275 |
| Assets per employee ($millions) | 13.3418% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8122% | 5,156 |
| Loan loss allowance to noncurrent loans | 18.7739% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 2.4453% | 566 |
| Noncurrent loans to loans | 4.3263% | 234 |
| Net loans and leases to total assets | 56.0627% | 4,302 |
| Net loans and leases to deposits | 63.5668% | 4,514 |
| Net loans and leases to core deposits | 64.8650% | 4,681 |
| Total domestic deposits to total assets | 88.1950% | 1,304 |
| Equity capital to assets | 9.3410% | 4,830 |
| Core capital (leverage) ratio | 8.9832% | 4,845 |
| Tier 1 risk-based capital ratio | 22.9436% | 1,010 |
| Total risk-based capital ratio | 24.1298% | 1,002 |
| Memoranda: | ||
| Average total assets | $53,841,500 | 5,318 |
| Average earning assets | $52,211,750 | 5,251 |
| Average equity | $4,771,500 | 5,565 |
| Average total loans | $29,816,750 | 5,242 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3111% | 5,271 |
| Cost of funding earning assets | 0.9100% | 278 |
| Net interest margin | 2.4011% | 5,809 |
| Noninterest income to average assets | 0.0630% | 5,879 |
| Noninterest expense to average assets | 1.2630% | 5,961 |
| Loan and lease loss provision to assets | 0.0222% | 3,684 |
| Net operating income to assets | 0.7593% | 3,509 |
| Return on assets (ROA) | 0.7593% | 3,651 |
| Pretax return on assets | 1.1037% | 3,186 |
| Return on Equity (ROE) | 8.7228% | 2,623 |
| Retained earnings to average equity (ytd only) | 8.7228% | 929 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8682% | 5,395 |
| Assets per employee ($millions) | 13.2448% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8264% | 5,206 |
| Loan loss allowance to noncurrent loans | 21.7199% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 2.1291% | 738 |
| Noncurrent loans to loans | 3.8046% | 330 |
| Net loans and leases to total assets | 55.4993% | 4,360 |
| Net loans and leases to deposits | 62.8605% | 4,581 |
| Net loans and leases to core deposits | 64.2899% | 4,726 |
| Total domestic deposits to total assets | 88.2897% | 1,280 |
| Equity capital to assets | 9.2282% | 5,047 |
| Core capital (leverage) ratio | 8.5892% | 5,276 |
| Tier 1 risk-based capital ratio | 22.7768% | 1,040 |
| Total risk-based capital ratio | 23.9805% | 1,030 |
| Memoranda: | ||
| Average total assets | $53,999,670 | 5,371 |
| Average earning assets | $52,309,000 | 5,307 |
| Average equity | $4,700,330 | 5,644 |
| Average total loans | $29,701,000 | 5,304 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3618% | 5,201 |
| Cost of funding earning assets | 0.9030% | 288 |
| Net interest margin | 2.4587% | 5,838 |
| Noninterest income to average assets | 0.0440% | 5,985 |
| Noninterest expense to average assets | 1.2622% | 6,022 |
| Loan and lease loss provision to assets | 0.0440% | 3,040 |
| Net operating income to assets | 0.7705% | 3,395 |
| Return on assets (ROA) | 0.7705% | 3,499 |
| Pretax return on assets | 1.1154% | 3,034 |
| Return on Equity (ROE) | 9.1185% | 2,360 |
| Retained earnings to average equity (ytd only) | 9.1185% | 1,075 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1212% | 5,510 |
| Assets per employee ($millions) | 13.4930% | 105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8184% | 5,316 |
| Loan loss allowance to noncurrent loans | 21.5859% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 2.1029% | 807 |
| Noncurrent loans to loans | 3.7913% | 332 |
| Net loans and leases to total assets | 55.0137% | 4,351 |
| Net loans and leases to deposits | 63.1704% | 4,492 |
| Net loans and leases to core deposits | 64.9545% | 4,627 |
| Total domestic deposits to total assets | 87.0877% | 2,166 |
| Equity capital to assets | 8.6415% | 5,465 |
| Core capital (leverage) ratio | 8.2795% | 5,588 |
| Tier 1 risk-based capital ratio | 21.8651% | 1,181 |
| Total risk-based capital ratio | 23.0458% | 1,172 |
| Memoranda: | ||
| Average total assets | $54,510,000 | 5,408 |
| Average earning assets | $52,710,500 | 5,348 |
| Average equity | $4,606,000 | 5,704 |
| Average total loans | $29,727,500 | 5,348 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1517% | 5,577 |
| Cost of funding earning assets | 0.9370% | 241 |
| Net interest margin | 2.2147% | 5,984 |
| Noninterest income to average assets | 0.0587% | 5,987 |
| Noninterest expense to average assets | 1.2294% | 6,088 |
| Loan and lease loss provision to assets | 0.0826% | 2,647 |
| Net operating income to assets | 0.5523% | 4,487 |
| Return on assets (ROA) | 0.5523% | 4,585 |
| Pretax return on assets | 0.8936% | 3,862 |
| Return on Equity (ROE) | 6.7083% | 3,680 |
| Retained earnings to average equity (ytd only) | 6.7083% | 1,432 |
| Net charge-offs to loans | 0.1464% | 1,899 |
| Credit loss provision to net charge-offs | 112.5000% | 2,253 |
| Earnings coverage of net charge-offs (x) | 13.3000% | 2,381 |
| Efficiency ratio | 55.7404% | 5,368 |
| Assets per employee ($millions) | 13.7705% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6335% | 5,747 |
| Loan loss allowance to noncurrent loans | 14.0602% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 2.4146% | 653 |
| Noncurrent loans to loans | 4.5057% | 239 |
| Net loans and leases to total assets | 53.2497% | 4,565 |
| Net loans and leases to deposits | 60.8048% | 4,715 |
| Net loans and leases to core deposits | 62.4968% | 4,847 |
| Total domestic deposits to total assets | 87.5749% | 1,857 |
| Equity capital to assets | 8.3167% | 5,693 |
| Core capital (leverage) ratio | 8.0113% | 5,832 |
| Tier 1 risk-based capital ratio | 21.4481% | 1,222 |
| Total risk-based capital ratio | 22.3466% | 1,261 |
| Memoranda: | ||
| Average total assets | $54,497,800 | 5,443 |
| Average earning assets | $52,827,800 | 5,363 |
| Average equity | $4,487,000 | 5,762 |
| Average total loans | $27,325,800 | 5,465 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1457% | 5,647 |
| Cost of funding earning assets | 0.9397% | 235 |
| Net interest margin | 2.2060% | 6,072 |
| Noninterest income to average assets | 0.0662% | 6,056 |
| Noninterest expense to average assets | 1.1137% | 6,191 |
| Loan and lease loss provision to assets | 0.0245% | 3,782 |
| Net operating income to assets | 0.6869% | 3,959 |
| Return on assets (ROA) | 0.6869% | 4,078 |
| Pretax return on assets | 1.0646% | 3,349 |
| Return on Equity (ROE) | 8.3638% | 2,899 |
| Retained earnings to average equity (ytd only) | 8.3638% | 1,106 |
| Net charge-offs to loans | 0.1992% | 1,292 |
| Credit loss provision to net charge-offs | 25.0000% | 3,323 |
| Earnings coverage of net charge-offs (x) | 11.1005% | 2,531 |
| Efficiency ratio | 50.5568% | 5,747 |
| Assets per employee ($millions) | 18.5500% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5202% | 6,001 |
| Loan loss allowance to noncurrent loans | 19.2848% | 5,582 |
| Noncurrent assets plus other real estate owned to assets | 1.4070% | 1,633 |
| Noncurrent loans to loans | 2.6975% | 716 |
| Net loans and leases to total assets | 51.8886% | 4,768 |
| Net loans and leases to deposits | 57.5368% | 5,030 |
| Net loans and leases to core deposits | 59.4046% | 5,107 |
| Total domestic deposits to total assets | 90.1833% | 503 |
| Equity capital to assets | 8.2444% | 5,851 |
| Core capital (leverage) ratio | 8.0424% | 5,878 |
| Tier 1 risk-based capital ratio | 22.0529% | 1,190 |
| Total risk-based capital ratio | 22.8024% | 1,240 |
| Memoranda: | ||
| Average total assets | $54,351,750 | 5,515 |
| Average earning assets | $52,641,750 | 5,437 |
| Average equity | $4,463,500 | 5,841 |
| Average total loans | $26,777,750 | 5,551 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1339% | 5,699 |
| Cost of funding earning assets | 0.9359% | 241 |
| Net interest margin | 2.1979% | 6,147 |
| Noninterest income to average assets | 0.0631% | 6,132 |
| Noninterest expense to average assets | 1.0497% | 6,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7567% | 3,614 |
| Return on assets (ROA) | 0.7567% | 3,712 |
| Pretax return on assets | 1.1387% | 3,013 |
| Return on Equity (ROE) | 9.2266% | 2,420 |
| Retained earnings to average equity (ytd only) | 9.2266% | 851 |
| Net charge-offs to loans | 0.2920% | 899 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 8.0789% | 2,599 |
| Efficiency ratio | 47.9661% | 5,964 |
| Assets per employee ($millions) | 13.6950% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5358% | 6,057 |
| Loan loss allowance to noncurrent loans | 23.3766% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 1.1245% | 2,262 |
| Noncurrent loans to loans | 2.2920% | 1,032 |
| Net loans and leases to total assets | 48.7988% | 5,030 |
| Net loans and leases to deposits | 53.9899% | 5,255 |
| Net loans and leases to core deposits | 55.4767% | 5,342 |
| Total domestic deposits to total assets | 90.3852% | 505 |
| Equity capital to assets | 8.2366% | 5,863 |
| Core capital (leverage) ratio | 8.0643% | 5,898 |
| Tier 1 risk-based capital ratio | 23.1720% | 1,057 |
| Total risk-based capital ratio | 23.9361% | 1,094 |
| Memoranda: | ||
| Average total assets | $53,919,000 | 5,586 |
| Average earning assets | $52,140,000 | 5,509 |
| Average equity | $4,422,000 | 5,914 |
| Average total loans | $26,028,000 | 5,631 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1180% | 5,760 |
| Cost of funding earning assets | 0.9207% | 259 |
| Net interest margin | 2.1973% | 6,211 |
| Noninterest income to average assets | 0.0374% | 6,262 |
| Noninterest expense to average assets | 0.9796% | 6,367 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8002% | 3,260 |
| Return on assets (ROA) | 0.8002% | 3,388 |
| Pretax return on assets | 1.1816% | 2,738 |
| Return on Equity (ROE) | 9.7784% | 2,104 |
| Retained earnings to average equity (ytd only) | 9.7784% | 979 |
| Net charge-offs to loans | 0.5937% | 412 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 4.1579% | 2,526 |
| Efficiency ratio | 45.3287% | 6,134 |
| Assets per employee ($millions) | 18.0743% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5568% | 6,112 |
| Loan loss allowance to noncurrent loans | 18.5806% | 5,738 |
| Noncurrent assets plus other real estate owned to assets | 1.6949% | 1,483 |
| Noncurrent loans to loans | 2.9966% | 722 |
| Net loans and leases to total assets | 47.4319% | 5,092 |
| Net loans and leases to deposits | 52.1789% | 5,321 |
| Net loans and leases to core deposits | 53.6215% | 5,387 |
| Total domestic deposits to total assets | 90.9024% | 401 |
| Equity capital to assets | 8.1626% | 5,958 |
| Core capital (leverage) ratio | 8.0332% | 5,926 |
| Tier 1 risk-based capital ratio | 23.5220% | 1,045 |
| Total risk-based capital ratio | 24.3154% | 1,077 |
| Memoranda: | ||
| Average total assets | $53,488,500 | 5,653 |
| Average earning assets | $51,699,000 | 5,573 |
| Average equity | $4,377,000 | 5,978 |
| Average total loans | $25,604,000 | 5,694 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0824% | 5,978 |
| Cost of funding earning assets | 0.9481% | 291 |
| Net interest margin | 2.1343% | 6,334 |
| Noninterest income to average assets | 0.0502% | 6,290 |
| Noninterest expense to average assets | 1.0694% | 6,436 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6447% | 4,170 |
| Return on assets (ROA) | 0.6447% | 4,269 |
| Pretax return on assets | 1.0405% | 3,347 |
| Return on Equity (ROE) | 8.0200% | 3,126 |
| Retained earnings to average equity (ytd only) | 8.0200% | 1,011 |
| Net charge-offs to loans | 0.6884% | 540 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3.3899% | 3,902 |
| Efficiency ratio | 50.6862% | 6,055 |
| Assets per employee ($millions) | 17.5847% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7181% | 5,955 |
| Loan loss allowance to noncurrent loans | 17.9664% | 5,857 |
| Noncurrent assets plus other real estate owned to assets | 2.1932% | 1,114 |
| Noncurrent loans to loans | 3.9968% | 466 |
| Net loans and leases to total assets | 47.6988% | 5,181 |
| Net loans and leases to deposits | 52.7747% | 5,426 |
| Net loans and leases to core deposits | 54.2809% | 5,487 |
| Total domestic deposits to total assets | 90.3818% | 580 |
| Equity capital to assets | 8.2041% | 5,958 |
| Core capital (leverage) ratio | 7.9565% | 6,029 |
| Tier 1 risk-based capital ratio | 23.0548% | 1,080 |
| Total risk-based capital ratio | 24.0627% | 1,087 |
| Memoranda: | ||
| Average total assets | $51,803,200 | 5,746 |
| Average earning assets | $49,993,200 | 5,676 |
| Average equity | $4,164,600 | 6,057 |
| Average total loans | $23,096,800 | 5,849 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0748% | 6,060 |
| Cost of funding earning assets | 0.9508% | 306 |
| Net interest margin | 2.1240% | 6,416 |
| Noninterest income to average assets | 0.0491% | 6,388 |
| Noninterest expense to average assets | 0.9593% | 6,529 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8326% | 3,272 |
| Return on assets (ROA) | 0.8326% | 3,358 |
| Pretax return on assets | 1.1403% | 3,031 |
| Return on Equity (ROE) | 10.4109% | 2,031 |
| Retained earnings to average equity (ytd only) | 10.4109% | 615 |
| Net charge-offs to loans | 0.9407% | 340 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.7737% | 3,827 |
| Efficiency ratio | 45.6897% | 6,306 |
| Assets per employee ($millions) | 17.0470% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7556% | 5,977 |
| Loan loss allowance to noncurrent loans | 17.7388% | 5,959 |
| Noncurrent assets plus other real estate owned to assets | 2.0062% | 1,427 |
| Noncurrent loans to loans | 4.2594% | 472 |
| Net loans and leases to total assets | 46.7453% | 5,312 |
| Net loans and leases to deposits | 52.3439% | 5,515 |
| Net loans and leases to core deposits | 54.2455% | 5,553 |
| Total domestic deposits to total assets | 89.3041% | 1,072 |
| Equity capital to assets | 8.4023% | 5,873 |
| Core capital (leverage) ratio | 8.0423% | 6,038 |
| Tier 1 risk-based capital ratio | 23.9607% | 992 |
| Total risk-based capital ratio | 25.0115% | 999 |
| Memoranda: | ||
| Average total assets | $51,565,500 | 5,816 |
| Average earning assets | $49,779,500 | 5,747 |
| Average equity | $4,123,750 | 6,130 |
| Average total loans | $22,534,750 | 5,933 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0110% | 6,163 |
| Cost of funding earning assets | 0.9689% | 295 |
| Net interest margin | 2.0420% | 6,510 |
| Noninterest income to average assets | 0.0580% | 6,422 |
| Noninterest expense to average assets | 1.0057% | 6,594 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7117% | 3,773 |
| Return on assets (ROA) | 0.7117% | 3,870 |
| Pretax return on assets | 1.0250% | 3,375 |
| Return on Equity (ROE) | 9.0507% | 2,568 |
| Retained earnings to average equity (ytd only) | 9.0507% | 971 |
| Net charge-offs to loans | 1.4443% | 197 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.6667% | 3,746 |
| Efficiency ratio | 49.5238% | 6,197 |
| Assets per employee ($millions) | 17.4920% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7750% | 6,035 |
| Loan loss allowance to noncurrent loans | 19.1377% | 6,007 |
| Noncurrent assets plus other real estate owned to assets | 1.8123% | 1,787 |
| Noncurrent loans to loans | 4.0497% | 577 |
| Net loans and leases to total assets | 44.4032% | 5,509 |
| Net loans and leases to deposits | 49.6505% | 5,662 |
| Net loans and leases to core deposits | 51.4008% | 5,707 |
| Total domestic deposits to total assets | 89.4314% | 1,136 |
| Equity capital to assets | 7.9255% | 6,189 |
| Core capital (leverage) ratio | 7.7274% | 6,239 |
| Tier 1 risk-based capital ratio | 23.6159% | 1,029 |
| Total risk-based capital ratio | 24.6867% | 1,039 |
| Memoranda: | ||
| Average total assets | $51,707,000 | 5,862 |
| Average earning assets | $49,951,000 | 5,790 |
| Average equity | $4,066,000 | 6,191 |
| Average total loans | $22,017,000 | 5,988 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8790% | 6,340 |
| Cost of funding earning assets | 0.9919% | 282 |
| Net interest margin | 1.8871% | 6,616 |
| Noninterest income to average assets | 0.0390% | 6,513 |
| Noninterest expense to average assets | 0.9742% | 6,679 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5534% | 4,444 |
| Return on assets (ROA) | 0.5534% | 4,517 |
| Pretax return on assets | 0.8885% | 3,744 |
| Return on Equity (ROE) | 7.0656% | 3,441 |
| Retained earnings to average equity (ytd only) | 7.0656% | 2,016 |
| Net charge-offs to loans | 2.9882% | 64 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.7170% | 3,278 |
| Efficiency ratio | 52.3013% | 6,119 |
| Assets per employee ($millions) | 17.1340% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8508% | 5,999 |
| Loan loss allowance to noncurrent loans | 20.1327% | 6,075 |
| Noncurrent assets plus other real estate owned to assets | 1.7587% | 1,997 |
| Noncurrent loans to loans | 4.2261% | 610 |
| Net loans and leases to total assets | 41.2610% | 5,728 |
| Net loans and leases to deposits | 45.2864% | 5,904 |
| Net loans and leases to core deposits | 46.8832% | 5,940 |
| Total domestic deposits to total assets | 91.1112% | 527 |
| Equity capital to assets | 7.9083% | 6,115 |
| Core capital (leverage) ratio | 7.5995% | 6,304 |
| Tier 1 risk-based capital ratio | 24.3125% | 959 |
| Total risk-based capital ratio | 25.4474% | 958 |
| Memoranda: | ||
| Average total assets | $51,322,500 | 5,931 |
| Average earning assets | $49,601,000 | 5,849 |
| Average equity | $4,019,500 | 6,248 |
| Average total loans | $21,284,000 | 6,080 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9077% | 6,418 |
| Cost of funding earning assets | 1.1179% | 258 |
| Net interest margin | 1.7898% | 6,689 |
| Noninterest income to average assets | 0.0631% | 6,511 |
| Noninterest expense to average assets | 0.9275% | 6,759 |
| Loan and lease loss provision to assets | 0.0888% | 3,334 |
| Net operating income to assets | 0.4815% | 4,810 |
| Return on assets (ROA) | 0.4815% | 4,955 |
| Pretax return on assets | 0.7814% | 4,220 |
| Return on Equity (ROE) | 6.2664% | 3,930 |
| Retained earnings to average equity (ytd only) | 6.2664% | 1,811 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5917% | 6,330 |
| Assets per employee ($millions) | 12.8108% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6102% | 2,717 |
| Loan loss allowance to noncurrent loans | 28.8250% | 5,976 |
| Noncurrent assets plus other real estate owned to assets | 2.3086% | 1,522 |
| Noncurrent loans to loans | 5.5862% | 399 |
| Net loans and leases to total assets | 40.6612% | 5,915 |
| Net loans and leases to deposits | 44.2999% | 6,107 |
| Net loans and leases to core deposits | 45.8640% | 6,141 |
| Total domestic deposits to total assets | 91.7862% | 337 |
| Equity capital to assets | 7.7552% | 6,156 |
| Core capital (leverage) ratio | 7.4642% | 6,386 |
| Tier 1 risk-based capital ratio | 24.2940% | 923 |
| Total risk-based capital ratio | 25.5569% | 911 |
| Memoranda: | ||
| Average total assets | $50,676,400 | 6,003 |
| Average earning assets | $49,110,600 | 5,920 |
| Average equity | $3,893,800 | 6,347 |
| Average total loans | $19,987,200 | 6,202 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8791% | 6,504 |
| Cost of funding earning assets | 1.1157% | 288 |
| Net interest margin | 1.7634% | 6,777 |
| Noninterest income to average assets | 0.0607% | 6,599 |
| Noninterest expense to average assets | 0.8522% | 6,843 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5805% | 4,426 |
| Return on assets (ROA) | 0.5805% | 4,556 |
| Pretax return on assets | 0.9182% | 3,798 |
| Return on Equity (ROE) | 7.5722% | 3,334 |
| Retained earnings to average equity (ytd only) | 7.5722% | 1,603 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1371% | 6,501 |
| Assets per employee ($millions) | 12.7660% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4213% | 3,805 |
| Loan loss allowance to noncurrent loans | 24.4224% | 6,153 |
| Noncurrent assets plus other real estate owned to assets | 2.3735% | 1,650 |
| Noncurrent loans to loans | 5.8196% | 449 |
| Net loans and leases to total assets | 40.2044% | 6,017 |
| Net loans and leases to deposits | 44.1401% | 6,197 |
| Net loans and leases to core deposits | 45.7279% | 6,226 |
| Total domestic deposits to total assets | 91.0837% | 497 |
| Equity capital to assets | 7.7413% | 6,293 |
| Core capital (leverage) ratio | 7.4558% | 6,465 |
| Tier 1 risk-based capital ratio | 24.5641% | 928 |
| Total risk-based capital ratio | 25.8233% | 906 |
| Memoranda: | ||
| Average total assets | $50,534,750 | 6,074 |
| Average earning assets | $48,995,500 | 5,988 |
| Average equity | $3,873,750 | 6,435 |
| Average total loans | $19,689,750 | 6,284 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9019% | 6,532 |
| Cost of funding earning assets | 1.1255% | 300 |
| Net interest margin | 1.7763% | 6,821 |
| Noninterest income to average assets | 0.0477% | 6,677 |
| Noninterest expense to average assets | 0.8737% | 6,893 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5600% | 4,500 |
| Return on assets (ROA) | 0.5600% | 4,672 |
| Pretax return on assets | 0.8976% | 3,921 |
| Return on Equity (ROE) | 7.3298% | 3,430 |
| Retained earnings to average equity (ytd only) | 7.3298% | 1,736 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3274% | 6,466 |
| Assets per employee ($millions) | 12.6450% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5480% | 3,374 |
| Loan loss allowance to noncurrent loans | 32.7796% | 5,915 |
| Noncurrent assets plus other real estate owned to assets | 1.7853% | 2,432 |
| Noncurrent loans to loans | 4.7226% | 711 |
| Net loans and leases to total assets | 37.2183% | 6,224 |
| Net loans and leases to deposits | 40.4065% | 6,391 |
| Net loans and leases to core deposits | 41.8529% | 6,409 |
| Total domestic deposits to total assets | 92.1095% | 231 |
| Equity capital to assets | 7.7106% | 6,359 |
| Core capital (leverage) ratio | 7.3815% | 6,502 |
| Tier 1 risk-based capital ratio | 25.6394% | 806 |
| Total risk-based capital ratio | 26.8977% | 787 |
| Memoranda: | ||
| Average total assets | $50,358,330 | 6,120 |
| Average earning assets | $48,865,000 | 6,024 |
| Average equity | $3,847,330 | 6,484 |
| Average total loans | $19,311,000 | 6,339 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8877% | 6,622 |
| Cost of funding earning assets | 1.1485% | 289 |
| Net interest margin | 1.7392% | 6,903 |
| Noninterest income to average assets | 0.0478% | 6,742 |
| Noninterest expense to average assets | 0.8199% | 6,977 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5732% | 4,344 |
| Return on assets (ROA) | 0.5732% | 4,494 |
| Pretax return on assets | 0.9155% | 3,705 |
| Return on Equity (ROE) | 7.5373% | 3,207 |
| Retained earnings to average equity (ytd only) | 7.5373% | 1,927 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2477% | 6,644 |
| Assets per employee ($millions) | 12.5750% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5242% | 3,724 |
| Loan loss allowance to noncurrent loans | 32.7434% | 5,927 |
| Noncurrent assets plus other real estate owned to assets | 1.7972% | 2,607 |
| Noncurrent loans to loans | 4.6550% | 869 |
| Net loans and leases to total assets | 38.0199% | 6,148 |
| Net loans and leases to deposits | 41.2466% | 6,364 |
| Net loans and leases to core deposits | 42.9676% | 6,366 |
| Total domestic deposits to total assets | 92.1769% | 218 |
| Equity capital to assets | 7.6859% | 6,531 |
| Core capital (leverage) ratio | 7.3341% | 6,531 |
| Tier 1 risk-based capital ratio | 24.4091% | 966 |
| Total risk-based capital ratio | 25.6710% | 948 |
| Memoranda: | ||
| Average total assets | $50,247,500 | 6,178 |
| Average earning assets | $48,758,500 | 6,075 |
| Average equity | $3,821,000 | 6,551 |
| Average total loans | $19,406,000 | 6,390 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2294% | 6,646 |
| Cost of funding earning assets | 1.2955% | 383 |
| Net interest margin | 1.9339% | 6,942 |
| Noninterest income to average assets | 0.0605% | 6,655 |
| Noninterest expense to average assets | 0.8829% | 7,025 |
| Loan and lease loss provision to assets | 0.1613% | 3,601 |
| Net operating income to assets | 0.5483% | 4,488 |
| Return on assets (ROA) | 0.5483% | 4,742 |
| Pretax return on assets | 0.8909% | 3,955 |
| Return on Equity (ROE) | 7.4236% | 3,390 |
| Retained earnings to average equity (ytd only) | 7.4236% | 1,363 |
| Net charge-offs to loans | 0.1669% | 4,045 |
| Credit loss provision to net charge-offs | 242.4242% | 1,023 |
| Earnings coverage of net charge-offs (x) | 15.8182% | 1,626 |
| Efficiency ratio | 45.6250% | 6,792 |
| Assets per employee ($millions) | 12.5488% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5264% | 3,640 |
| Loan loss allowance to noncurrent loans | 32.7434% | 5,953 |
| Noncurrent assets plus other real estate owned to assets | 1.8010% | 2,712 |
| Noncurrent loans to loans | 4.6617% | 897 |
| Net loans and leases to total assets | 38.0436% | 6,304 |
| Net loans and leases to deposits | 41.2085% | 6,489 |
| Net loans and leases to core deposits | 42.9239% | 6,507 |
| Total domestic deposits to total assets | 92.3200% | 192 |
| Equity capital to assets | 7.5227% | 6,626 |
| Core capital (leverage) ratio | 7.1647% | 6,649 |
| Tier 1 risk-based capital ratio | 24.1950% | 948 |
| Total risk-based capital ratio | 25.4574% | 930 |
| Memoranda: | ||
| Average total assets | $49,611,600 | 6,222 |
| Average earning assets | $48,090,000 | 6,120 |
| Average equity | $3,664,000 | 6,646 |
| Average total loans | $19,769,400 | 6,439 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3380% | 6,696 |
| Cost of funding earning assets | 1.3296% | 389 |
| Net interest margin | 2.0084% | 7,033 |
| Noninterest income to average assets | 0.0593% | 6,770 |
| Noninterest expense to average assets | 0.8464% | 7,137 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7493% | 3,695 |
| Return on assets (ROA) | 0.7493% | 3,947 |
| Pretax return on assets | 1.1590% | 3,136 |
| Return on Equity (ROE) | 10.1942% | 2,255 |
| Retained earnings to average equity (ytd only) | 10.1942% | 868 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2043% | 6,961 |
| Assets per employee ($millions) | 12.5638% | 135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 5,029 |
| Loan loss allowance to noncurrent loans | 24.1045% | 6,380 |
| Noncurrent assets plus other real estate owned to assets | 2.0555% | 2,578 |
| Noncurrent loans to loans | 5.1998% | 853 |
| Net loans and leases to total assets | 39.0349% | 6,346 |
| Net loans and leases to deposits | 42.6447% | 6,568 |
| Net loans and leases to core deposits | 44.2422% | 6,586 |
| Total domestic deposits to total assets | 91.5352% | 280 |
| Equity capital to assets | 7.5793% | 6,756 |
| Core capital (leverage) ratio | 7.1009% | 6,774 |
| Tier 1 risk-based capital ratio | 22.7310% | 1,211 |
| Total risk-based capital ratio | 23.9851% | 1,195 |
| Memoranda: | ||
| Average total assets | $49,465,750 | 6,300 |
| Average earning assets | $47,931,750 | 6,199 |
| Average equity | $3,636,000 | 6,735 |
| Average total loans | $19,863,750 | 6,517 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3385% | 6,785 |
| Cost of funding earning assets | 1.3631% | 405 |
| Net interest margin | 1.9754% | 7,112 |
| Noninterest income to average assets | 0.0610% | 6,821 |
| Noninterest expense to average assets | 0.8374% | 7,206 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7276% | 3,716 |
| Return on assets (ROA) | 0.7276% | 3,995 |
| Pretax return on assets | 1.1381% | 3,157 |
| Return on Equity (ROE) | 10.0047% | 2,349 |
| Retained earnings to average equity (ytd only) | 10.0047% | 974 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3868% | 7,008 |
| Assets per employee ($millions) | 12.7023% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 5,076 |
| Loan loss allowance to noncurrent loans | 26.8319% | 6,284 |
| Noncurrent assets plus other real estate owned to assets | 1.8264% | 3,004 |
| Noncurrent loans to loans | 4.7018% | 1,097 |
| Net loans and leases to total assets | 38.3554% | 6,453 |
| Net loans and leases to deposits | 41.4727% | 6,678 |
| Net loans and leases to core deposits | 42.9895% | 6,698 |
| Total domestic deposits to total assets | 92.4836% | 160 |
| Equity capital to assets | 7.2586% | 6,855 |
| Core capital (leverage) ratio | 6.9778% | 6,828 |
| Tier 1 risk-based capital ratio | 22.8454% | 1,152 |
| Total risk-based capital ratio | 24.1018% | 1,134 |
| Memoranda: | ||
| Average total assets | $49,202,670 | 6,345 |
| Average earning assets | $47,685,670 | 6,241 |
| Average equity | $3,578,330 | 6,789 |
| Average total loans | $19,863,000 | 6,570 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4124% | 6,794 |
| Cost of funding earning assets | 1.4076% | 417 |
| Net interest margin | 2.0048% | 7,165 |
| Noninterest income to average assets | 0.0413% | 6,969 |
| Noninterest expense to average assets | 0.8347% | 7,270 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5455% | 4,618 |
| Return on assets (ROA) | 0.5455% | 4,829 |
| Pretax return on assets | 1.1488% | 3,117 |
| Return on Equity (ROE) | 7.4926% | 3,499 |
| Retained earnings to average equity (ytd only) | 7.4926% | 2,175 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0833% | 7,052 |
| Assets per employee ($millions) | 12.2850% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 5,137 |
| Loan loss allowance to noncurrent loans | 26.6026% | 6,316 |
| Noncurrent assets plus other real estate owned to assets | 1.9048% | 3,037 |
| Noncurrent loans to loans | 4.7887% | 1,186 |
| Net loans and leases to total assets | 39.2694% | 6,405 |
| Net loans and leases to deposits | 42.4922% | 6,638 |
| Net loans and leases to core deposits | 44.0984% | 6,653 |
| Total domestic deposits to total assets | 92.4155% | 201 |
| Equity capital to assets | 7.2507% | 6,867 |
| Core capital (leverage) ratio | 6.9531% | 6,856 |
| Tier 1 risk-based capital ratio | 22.2742% | 1,243 |
| Total risk-based capital ratio | 23.5267% | 1,217 |
| Memoranda: | ||
| Average total assets | $48,399,500 | 6,418 |
| Average earning assets | $46,888,500 | 6,300 |
| Average equity | $3,523,500 | 6,843 |
| Average total loans | $19,926,000 | 6,617 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8091% | 6,717 |
| Cost of funding earning assets | 1.6227% | 435 |
| Net interest margin | 2.1864% | 7,183 |
| Noninterest income to average assets | 0.0442% | 6,859 |
| Noninterest expense to average assets | 0.8946% | 7,302 |
| Loan and lease loss provision to assets | 0.1038% | 5,286 |
| Net operating income to assets | 0.7223% | 3,377 |
| Return on assets (ROA) | 0.7223% | 3,547 |
| Pretax return on assets | 1.1708% | 2,576 |
| Return on Equity (ROE) | 9.7056% | 2,160 |
| Retained earnings to average equity (ytd only) | 9.7056% | 623 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2424% | 7,188 |
| Assets per employee ($millions) | 11.9148% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2262% | 5,269 |
| Loan loss allowance to noncurrent loans | 26.9772% | 6,350 |
| Noncurrent assets plus other real estate owned to assets | 1.9367% | 3,057 |
| Noncurrent loans to loans | 4.5455% | 1,309 |
| Net loans and leases to total assets | 42.0844% | 6,380 |
| Net loans and leases to deposits | 45.5034% | 6,647 |
| Net loans and leases to core deposits | 46.9961% | 6,689 |
| Total domestic deposits to total assets | 92.4862% | 184 |
| Equity capital to assets | 7.3103% | 6,876 |
| Core capital (leverage) ratio | 7.0945% | 6,834 |
| Tier 1 risk-based capital ratio | 21.3073% | 1,358 |
| Total risk-based capital ratio | 22.5618% | 1,331 |
| Memoranda: | ||
| Average total assets | $45,269,200 | 6,500 |
| Average earning assets | $44,000,200 | 6,388 |
| Average equity | $3,369,200 | 6,915 |
| Average total loans | $19,783,600 | 6,667 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9212% | 6,710 |
| Cost of funding earning assets | 1.6568% | 462 |
| Net interest margin | 2.2643% | 7,232 |
| Noninterest income to average assets | 0.0298% | 7,020 |
| Noninterest expense to average assets | 0.7760% | 7,394 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1282% | 1,887 |
| Return on assets (ROA) | 1.1282% | 2,009 |
| Pretax return on assets | 1.4565% | 1,767 |
| Return on Equity (ROE) | 15.0873% | 829 |
| Retained earnings to average equity (ytd only) | 15.0873% | 225 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.7594% | 7,326 |
| Assets per employee ($millions) | 15.2703% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 6,084 |
| Loan loss allowance to noncurrent loans | 38.9961% | 5,683 |
| Noncurrent assets plus other real estate owned to assets | 1.1307% | 4,523 |
| Noncurrent loans to loans | 2.6683% | 2,613 |
| Net loans and leases to total assets | 41.9353% | 6,510 |
| Net loans and leases to deposits | 45.5032% | 6,758 |
| Net loans and leases to core deposits | 47.1112% | 6,800 |
| Total domestic deposits to total assets | 92.1591% | 191 |
| Equity capital to assets | 7.7143% | 6,839 |
| Core capital (leverage) ratio | 7.4324% | 6,799 |
| Tier 1 risk-based capital ratio | 22.9296% | 1,158 |
| Total risk-based capital ratio | 24.1838% | 1,136 |
| Memoranda: | ||
| Average total assets | $44,671,750 | 6,566 |
| Average earning assets | $43,455,500 | 6,462 |
| Average equity | $3,340,500 | 6,980 |
| Average total loans | $19,653,000 | 6,745 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9379% | 6,756 |
| Cost of funding earning assets | 1.6771% | 510 |
| Net interest margin | 2.2608% | 7,295 |
| Noninterest income to average assets | 0.0361% | 7,097 |
| Noninterest expense to average assets | 0.8038% | 7,469 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1063% | 1,852 |
| Return on assets (ROA) | 1.1063% | 1,939 |
| Pretax return on assets | 1.4359% | 1,704 |
| Return on Equity (ROE) | 14.9573% | 808 |
| Retained earnings to average equity (ytd only) | 14.9573% | 252 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.8871% | 7,390 |
| Assets per employee ($millions) | 14.9217% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0263% | 6,232 |
| Loan loss allowance to noncurrent loans | 38.6973% | 5,735 |
| Noncurrent assets plus other real estate owned to assets | 1.1661% | 4,558 |
| Noncurrent loans to loans | 2.6522% | 2,745 |
| Net loans and leases to total assets | 43.5161% | 6,476 |
| Net loans and leases to deposits | 47.1306% | 6,770 |
| Net loans and leases to core deposits | 48.8931% | 6,811 |
| Total domestic deposits to total assets | 92.3311% | 180 |
| Equity capital to assets | 7.5997% | 6,903 |
| Core capital (leverage) ratio | 7.2707% | 6,882 |
| Tier 1 risk-based capital ratio | 18.4382% | 2,031 |
| Total risk-based capital ratio | 19.5913% | 2,019 |
| Memoranda: | ||
| Average total assets | $44,292,000 | 6,637 |
| Average earning assets | $43,170,000 | 6,538 |
| Average equity | $3,276,000 | 7,048 |
| Average total loans | $19,733,000 | 6,807 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0185% | 6,666 |
| Cost of funding earning assets | 1.7116% | 525 |
| Net interest margin | 2.3069% | 7,310 |
| Noninterest income to average assets | 0.0363% | 7,195 |
| Noninterest expense to average assets | 0.6265% | 7,546 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3256% | 1,214 |
| Return on assets (ROA) | 1.3256% | 1,258 |
| Pretax return on assets | 1.6615% | 1,055 |
| Return on Equity (ROE) | 18.1762% | 464 |
| Retained earnings to average equity (ytd only) | 18.1762% | 233 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.3810% | 7,503 |
| Assets per employee ($millions) | 14.7123% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 6,331 |
| Loan loss allowance to noncurrent loans | 80.4781% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 0.5687% | 5,834 |
| Noncurrent loans to loans | 1.2630% | 4,578 |
| Net loans and leases to total assets | 44.5680% | 6,420 |
| Net loans and leases to deposits | 48.2902% | 6,736 |
| Net loans and leases to core deposits | 50.0547% | 6,769 |
| Total domestic deposits to total assets | 92.2922% | 216 |
| Equity capital to assets | 7.4609% | 6,886 |
| Core capital (leverage) ratio | 7.0880% | 6,963 |
| Tier 1 risk-based capital ratio | 17.6120% | 2,241 |
| Total risk-based capital ratio | 18.7486% | 2,262 |
| Memoranda: | ||
| Average total assets | $44,055,500 | 6,692 |
| Average earning assets | $43,001,500 | 6,587 |
| Average equity | $3,213,000 | 7,103 |
| Average total loans | $19,758,500 | 6,854 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0506% | 7,095 |
| Cost of funding earning assets | 1.9019% | 837 |
| Net interest margin | 2.1487% | 7,410 |
| Noninterest income to average assets | 0.0316% | 7,192 |
| Noninterest expense to average assets | 0.9157% | 7,589 |
| Loan and lease loss provision to assets | 0.1214% | 5,945 |
| Net operating income to assets | 0.7311% | 3,096 |
| Return on assets (ROA) | 0.7311% | 3,219 |
| Pretax return on assets | 1.0881% | 2,620 |
| Return on Equity (ROE) | 9.9373% | 1,952 |
| Retained earnings to average equity (ytd only) | 9.9373% | 538 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0857% | 7,437 |
| Assets per employee ($millions) | 14.6580% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 6,244 |
| Loan loss allowance to noncurrent loans | 30.1943% | 6,276 |
| Noncurrent assets plus other real estate owned to assets | 1.5214% | 4,032 |
| Noncurrent loans to loans | 3.4056% | 2,231 |
| Net loans and leases to total assets | 44.2125% | 6,693 |
| Net loans and leases to deposits | 47.7843% | 6,958 |
| Net loans and leases to core deposits | 49.5312% | 6,999 |
| Total domestic deposits to total assets | 92.5251% | 184 |
| Equity capital to assets | 7.1247% | 7,073 |
| Core capital (leverage) ratio | 6.8909% | 7,074 |
| Tier 1 risk-based capital ratio | 16.0769% | 2,713 |
| Total risk-based capital ratio | 17.1649% | 2,746 |
| Memoranda: | ||
| Average total assets | $41,172,000 | 6,821 |
| Average earning assets | $40,117,600 | 6,711 |
| Average equity | $3,029,000 | 7,272 |
| Average total loans | $18,871,800 | 6,982 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0661% | 7,233 |
| Cost of funding earning assets | 1.9553% | 866 |
| Net interest margin | 2.1109% | 7,545 |
| Noninterest income to average assets | 0.0231% | 7,384 |
| Noninterest expense to average assets | 0.8368% | 7,714 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0246% | 2,155 |
| Return on assets (ROA) | 1.0246% | 2,262 |
| Pretax return on assets | 1.2420% | 2,357 |
| Return on Equity (ROE) | 13.8082% | 1,073 |
| Retained earnings to average equity (ytd only) | 13.8082% | 287 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2536% | 7,577 |
| Assets per employee ($millions) | 14.1760% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7636% | 7,072 |
| Loan loss allowance to noncurrent loans | 58.6873% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 0.6090% | 5,912 |
| Noncurrent loans to loans | 1.3012% | 4,685 |
| Net loans and leases to total assets | 46.4470% | 6,657 |
| Net loans and leases to deposits | 50.3261% | 6,992 |
| Net loans and leases to core deposits | 52.1325% | 7,044 |
| Total domestic deposits to total assets | 92.2921% | 149 |
| Equity capital to assets | 7.4939% | 7,134 |
| Core capital (leverage) ratio | 7.1497% | 7,088 |
| Tier 1 risk-based capital ratio | 16.7497% | 2,434 |
| Total risk-based capital ratio | 17.6000% | 2,570 |
| Memoranda: | ||
| Average total assets | $40,471,500 | 6,919 |
| Average earning assets | $39,414,250 | 6,816 |
| Average equity | $3,003,000 | 7,368 |
| Average total loans | $18,678,750 | 7,087 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0490% | 7,319 |
| Cost of funding earning assets | 2.0245% | 844 |
| Net interest margin | 2.0245% | 7,641 |
| Noninterest income to average assets | 0.0251% | 7,448 |
| Noninterest expense to average assets | 0.8244% | 7,790 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9501% | 2,368 |
| Return on assets (ROA) | 0.9501% | 2,453 |
| Pretax return on assets | 1.1713% | 2,512 |
| Return on Equity (ROE) | 12.8498% | 1,274 |
| Retained earnings to average equity (ytd only) | 12.8498% | 393 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3098% | 7,614 |
| Assets per employee ($millions) | 13.6857% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8215% | 6,985 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 7,360 |
| Noncurrent loans to loans | 0.0432% | 7,205 |
| Net loans and leases to total assets | 44.6940% | 6,869 |
| Net loans and leases to deposits | 48.3926% | 7,148 |
| Net loans and leases to core deposits | 49.5116% | 7,229 |
| Total domestic deposits to total assets | 92.3570% | 169 |
| Equity capital to assets | 7.4506% | 7,142 |
| Core capital (leverage) ratio | 7.1249% | 7,114 |
| Tier 1 risk-based capital ratio | 17.1468% | 2,218 |
| Total risk-based capital ratio | 18.0552% | 2,311 |
| Memoranda: | ||
| Average total assets | $39,786,000 | 7,007 |
| Average earning assets | $38,725,330 | 6,900 |
| Average equity | $2,941,670 | 7,433 |
| Average total loans | $18,270,000 | 7,158 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1378% | 7,337 |
| Cost of funding earning assets | 2.1214% | 754 |
| Net interest margin | 2.0164% | 7,716 |
| Noninterest income to average assets | 0.0307% | 7,558 |
| Noninterest expense to average assets | 0.8276% | 7,889 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9400% | 2,394 |
| Return on assets (ROA) | 0.9400% | 2,456 |
| Pretax return on assets | 1.1647% | 2,494 |
| Return on Equity (ROE) | 12.7645% | 1,307 |
| Retained earnings to average equity (ytd only) | 12.7645% | 654 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5385% | 7,692 |
| Assets per employee ($millions) | 13.1937% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8362% | 7,037 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0434% | 5,057 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 45.5421% | 6,868 |
| Net loans and leases to deposits | 49.4296% | 7,155 |
| Net loans and leases to core deposits | 50.6178% | 7,260 |
| Total domestic deposits to total assets | 92.1351% | 218 |
| Equity capital to assets | 7.4000% | 7,138 |
| Core capital (leverage) ratio | 7.0863% | 7,187 |
| Tier 1 risk-based capital ratio | 17.8836% | 1,975 |
| Total risk-based capital ratio | 18.8632% | 2,021 |
| Memoranda: | ||
| Average total assets | $39,150,500 | 7,111 |
| Average earning assets | $38,088,000 | 7,017 |
| Average equity | $2,883,000 | 7,529 |
| Average total loans | $18,154,000 | 7,257 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8902% | 6,730 |
| Cost of funding earning assets | 2.8612% | 357 |
| Net interest margin | 2.0290% | 7,732 |
| Noninterest income to average assets | -0.3003% | 7,896 |
| Noninterest expense to average assets | 1.0863% | 7,935 |
| Loan and lease loss provision to assets | 0.1030% | 6,606 |
| Net operating income to assets | 0.3238% | 4,439 |
| Return on assets (ROA) | 0.3238% | 4,524 |
| Pretax return on assets | 0.4769% | 4,257 |
| Return on Equity (ROE) | 3.9680% | 4,101 |
| Retained earnings to average equity (ytd only) | 3.9680% | 2,426 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1943% | 5,553 |
| Assets per employee ($millions) | 12.9067% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8384% | 7,018 |
| 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 | 46.4308% | 6,938 |
| Net loans and leases to deposits | 50.3628% | 7,242 |
| Net loans and leases to core deposits | 56.0901% | 7,400 |
| Total domestic deposits to total assets | 92.1927% | 229 |
| Equity capital to assets | 7.3270% | 7,175 |
| Core capital (leverage) ratio | 7.1011% | 7,152 |
| Tier 1 risk-based capital ratio | 17.6077% | 1,996 |
| Total risk-based capital ratio | 18.6056% | 2,024 |
| Memoranda: | ||
| Average total assets | $33,969,600 | 7,326 |
| Average earning assets | $32,923,200 | 7,230 |
| Average equity | $2,772,200 | 7,654 |
| Average total loans | $16,881,200 | 7,361 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0917% | 6,302 |
| Cost of funding earning assets | 3.0500% | 282 |
| Net interest margin | 2.0417% | 7,797 |
| Noninterest income to average assets | 0.0122% | 7,797 |
| Noninterest expense to average assets | 1.1063% | 8,013 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7646% | 2,966 |
| Return on assets (ROA) | 0.7646% | 3,029 |
| Pretax return on assets | 0.8826% | 3,279 |
| Return on Equity (ROE) | 9.0951% | 2,227 |
| Retained earnings to average equity (ytd only) | 9.0951% | 821 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6237% | 7,054 |
| Assets per employee ($millions) | 12.3800% | 165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6637% | 7,457 |
| 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 | 47.1486% | 7,024 |
| Net loans and leases to deposits | 51.2467% | 7,348 |
| Net loans and leases to core deposits | 57.2835% | 7,496 |
| Total domestic deposits to total assets | 92.0032% | 175 |
| Equity capital to assets | 7.8406% | 6,998 |
| Core capital (leverage) ratio | 7.7224% | 6,703 |
| Tier 1 risk-based capital ratio | 18.4591% | 1,872 |
| Total risk-based capital ratio | 19.2416% | 1,937 |
| Memoranda: | ||
| Average total assets | $32,782,000 | 7,433 |
| Average earning assets | $31,737,250 | 7,339 |
| Average equity | $2,756,000 | 7,732 |
| Average total loans | $16,569,000 | 7,445 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2867% | 5,712 |
| Cost of funding earning assets | 3.2605% | 227 |
| Net interest margin | 2.0262% | 7,848 |
| Noninterest income to average assets | 0.0192% | 7,872 |
| Noninterest expense to average assets | 1.0342% | 8,118 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8235% | 2,761 |
| Return on assets (ROA) | 0.8235% | 2,858 |
| Pretax return on assets | 0.9448% | 3,198 |
| Return on Equity (ROE) | 9.5414% | 2,176 |
| Retained earnings to average equity (ytd only) | 9.5414% | 805 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2581% | 7,496 |
| Assets per employee ($millions) | 11.3790% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7071% | 7,404 |
| 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 | 48.1267% | 7,021 |
| Net loans and leases to deposits | 52.6638% | 7,347 |
| Net loans and leases to core deposits | 59.3126% | 7,474 |
| Total domestic deposits to total assets | 91.3847% | 345 |
| Equity capital to assets | 8.2696% | 6,384 |
| Core capital (leverage) ratio | 8.3231% | 5,755 |
| Tier 1 risk-based capital ratio | 19.4051% | 1,701 |
| Total risk-based capital ratio | 20.2457% | 1,733 |
| Memoranda: | ||
| Average total assets | $31,329,330 | 7,553 |
| Average earning assets | $30,302,330 | 7,472 |
| Average equity | $2,704,000 | 7,818 |
| Average total loans | $16,216,000 | 7,525 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2999% | 5,891 |
| Cost of funding earning assets | 3.4318% | 178 |
| Net interest margin | 1.8681% | 7,955 |
| Noninterest income to average assets | 0.0401% | 7,885 |
| Noninterest expense to average assets | 1.1228% | 8,140 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5881% | 4,066 |
| Return on assets (ROA) | 0.5881% | 4,259 |
| Pretax return on assets | 0.7218% | 4,348 |
| Return on Equity (ROE) | 6.6553% | 3,739 |
| Retained earnings to average equity (ytd only) | 6.6553% | 2,345 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8696% | 6,273 |
| Assets per employee ($millions) | 10.2200% | 251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7228% | 7,381 |
| 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 | 52.4168% | 6,641 |
| Net loans and leases to deposits | 57.6973% | 7,054 |
| Net loans and leases to core deposits | 68.3378% | 7,119 |
| Total domestic deposits to total assets | 90.8480% | 463 |
| Equity capital to assets | 8.7671% | 5,669 |
| Core capital (leverage) ratio | 8.7142% | 5,128 |
| Tier 1 risk-based capital ratio | 19.7943% | 1,655 |
| Total risk-based capital ratio | 20.6790% | 1,682 |
| Memoranda: | ||
| Average total assets | $29,925,500 | 7,651 |
| Average earning assets | $28,906,000 | 7,575 |
| Average equity | $2,644,500 | 7,887 |
| Average total loans | $16,051,000 | 7,573 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4885% | 7,329 |
| Cost of funding earning assets | 3.8249% | 185 |
| Net interest margin | 1.6636% | 8,161 |
| Noninterest income to average assets | 0.0147% | 8,051 |
| Noninterest expense to average assets | 1.1299% | 8,184 |
| Loan and lease loss provision to assets | 0.0550% | 6,725 |
| Net operating income to assets | 0.2935% | 5,567 |
| Return on assets (ROA) | 0.2935% | 5,379 |
| Pretax return on assets | 0.4365% | 5,165 |
| Return on Equity (ROE) | 3.1201% | 5,187 |
| Retained earnings to average equity (ytd only) | 3.1201% | 3,211 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6833% | 4,406 |
| Assets per employee ($millions) | 9.7303% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7352% | 7,342 |
| 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 | 54.1160% | 6,641 |
| Net loans and leases to deposits | 59.6361% | 7,120 |
| Net loans and leases to core deposits | 71.2186% | 7,121 |
| Total domestic deposits to total assets | 90.7437% | 409 |
| Equity capital to assets | 8.9103% | 5,486 |
| Core capital (leverage) ratio | 8.9795% | 4,773 |
| Tier 1 risk-based capital ratio | 19.8167% | 1,651 |
| Total risk-based capital ratio | 20.7178% | 1,673 |
| Memoranda: | ||
| Average total assets | $27,260,000 | 7,755 |
| Average earning assets | $26,327,800 | 7,680 |
| Average equity | $2,564,000 | 7,960 |
| Average total loans | $14,894,200 | 7,656 |