Home > Bank of Bertrand > Performance and Condition Ratios
Bank of Bertrand, Performance and Condition Ratios
| 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 | 3.8412% | 5,729 |
| Cost of funding earning assets | 0.8106% | 2,585 |
| Net interest margin | 3.0307% | 5,975 |
| Noninterest income to average assets | 0.2618% | 5,594 |
| Noninterest expense to average assets | 2.0948% | 6,140 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5634% | 4,415 |
| Return on assets (ROA) | 0.5634% | 4,670 |
| Pretax return on assets | 0.7458% | 4,493 |
| Return on Equity (ROE) | 4.1119% | 5,098 |
| Retained earnings to average equity (ytd only) | 3.5148% | 3,742 |
| Net charge-offs to loans | 0.0419% | 5,334 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 35.4444% | 887 |
| Efficiency ratio | 73.7449% | 3,105 |
| Assets per employee ($millions) | 5.9028% | 1,357 |
| Cash dividends to net income (ytd only)* | 14.5228% | 3,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9630% | 6,086 |
| Loan loss allowance to noncurrent loans | 512.1951% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 6,375 |
| Noncurrent loans to loans | 0.1880% | 6,001 |
| Net loans and leases to total assets | 45.7329% | 5,643 |
| Net loans and leases to deposits | 54.9572% | 5,560 |
| Net loans and leases to core deposits | 55.6096% | 5,743 |
| Total domestic deposits to total assets | 83.2155% | 4,633 |
| Equity capital to assets | 12.6445% | 1,617 |
| Core capital (leverage) ratio | 14.6666% | 638 |
| Tier 1 risk-based capital ratio | 21.9794% | 1,268 |
| Total risk-based capital ratio | 22.7520% | 1,331 |
| Memoranda: | ||
| Average total assets | $42,772,800 | 6,403 |
| Average earning assets | $36,394,800 | 6,488 |
| Average equity | $5,861,000 | 6,058 |
| Average total loans | $21,485,400 | 6,362 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8796% | 5,832 |
| Cost of funding earning assets | 0.8556% | 2,496 |
| Net interest margin | 3.0240% | 6,117 |
| Noninterest income to average assets | 0.2624% | 5,683 |
| Noninterest expense to average assets | 2.1571% | 6,043 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5569% | 4,592 |
| Return on assets (ROA) | 0.5569% | 4,850 |
| Pretax return on assets | 0.7521% | 4,670 |
| Return on Equity (ROE) | 3.9769% | 5,301 |
| Retained earnings to average equity (ytd only) | 3.1770% | 4,633 |
| Net charge-offs to loans | 0.1183% | 4,194 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 12.3699% | 2,007 |
| Efficiency ratio | 74.1474% | 2,960 |
| Assets per employee ($millions) | 5.7394% | 1,421 |
| Cash dividends to net income (ytd only)* | 20.1172% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9299% | 6,303 |
| Loan loss allowance to noncurrent loans | 279.1667% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 6,257 |
| Noncurrent loans to loans | 0.3331% | 5,806 |
| Net loans and leases to total assets | 53.3030% | 4,855 |
| Net loans and leases to deposits | 66.4629% | 4,416 |
| Net loans and leases to core deposits | 67.4276% | 4,787 |
| Total domestic deposits to total assets | 80.1996% | 5,601 |
| Equity capital to assets | 14.7053% | 904 |
| Core capital (leverage) ratio | 14.8440% | 638 |
| Tier 1 risk-based capital ratio | 22.9030% | 1,183 |
| Total risk-based capital ratio | 23.6825% | 1,239 |
| Memoranda: | ||
| Average total assets | $41,660,500 | 6,523 |
| Average earning assets | $36,463,000 | 6,564 |
| Average equity | $5,833,500 | 6,141 |
| Average total loans | $21,405,250 | 6,446 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8506% | 6,030 |
| Cost of funding earning assets | 0.9477% | 2,080 |
| Net interest margin | 2.9029% | 6,424 |
| Noninterest income to average assets | 0.2420% | 5,844 |
| Noninterest expense to average assets | 2.1302% | 6,176 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4934% | 4,844 |
| Return on assets (ROA) | 0.4934% | 5,100 |
| Pretax return on assets | 0.6405% | 4,993 |
| Return on Equity (ROE) | 3.5809% | 5,449 |
| Retained earnings to average equity (ytd only) | 2.9611% | 4,664 |
| Net charge-offs to loans | 0.1406% | 3,796 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,216 |
| Efficiency ratio | 76.8836% | 2,618 |
| Assets per employee ($millions) | 5.4433% | 1,662 |
| Cash dividends to net income (ytd only)* | 17.3077% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9147% | 6,421 |
| Loan loss allowance to noncurrent loans | 485.7143% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 6,562 |
| Noncurrent loans to loans | 0.1883% | 6,208 |
| Net loans and leases to total assets | 50.7486% | 5,256 |
| Net loans and leases to deposits | 66.7422% | 4,406 |
| Net loans and leases to core deposits | 67.6804% | 4,828 |
| Total domestic deposits to total assets | 76.0368% | 6,450 |
| Equity capital to assets | 13.4433% | 1,324 |
| Core capital (leverage) ratio | 13.6234% | 931 |
| Tier 1 risk-based capital ratio | 21.6257% | 1,366 |
| Total risk-based capital ratio | 22.3795% | 1,431 |
| Memoranda: | ||
| Average total assets | $42,155,330 | 6,535 |
| Average earning assets | $36,721,670 | 6,600 |
| Average equity | $5,808,670 | 6,170 |
| Average total loans | $21,335,000 | 6,498 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8706% | 6,087 |
| Cost of funding earning assets | 0.9312% | 2,435 |
| Net interest margin | 2.9394% | 6,412 |
| Noninterest income to average assets | 0.2412% | 5,902 |
| Noninterest expense to average assets | 2.1804% | 6,094 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4631% | 4,985 |
| Return on assets (ROA) | 0.4631% | 5,184 |
| Pretax return on assets | 0.5885% | 5,151 |
| Return on Equity (ROE) | 3.3184% | 5,585 |
| Retained earnings to average equity (ytd only) | 2.0740% | 5,231 |
| Net charge-offs to loans | -0.1343% | 6,887 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7456% | 2,392 |
| Assets per employee ($millions) | 5.3666% | 1,820 |
| Cash dividends to net income (ytd only)* | 37.5000% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 5,794 |
| Loan loss allowance to noncurrent loans | 579.4872% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.0908% | 6,657 |
| Noncurrent loans to loans | 0.1954% | 6,292 |
| Net loans and leases to total assets | 45.9670% | 5,784 |
| Net loans and leases to deposits | 59.1861% | 5,256 |
| Net loans and leases to core deposits | 60.0103% | 5,527 |
| Total domestic deposits to total assets | 77.6652% | 6,314 |
| Equity capital to assets | 13.5094% | 1,236 |
| Core capital (leverage) ratio | 13.6485% | 891 |
| Tier 1 risk-based capital ratio | 23.2730% | 1,099 |
| Total risk-based capital ratio | 24.1801% | 1,127 |
| Memoranda: | ||
| Average total assets | $41,460,000 | 6,625 |
| Average earning assets | $35,653,500 | 6,684 |
| Average equity | $5,786,000 | 6,202 |
| Average total loans | $20,851,000 | 6,573 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2676% | 5,861 |
| Cost of funding earning assets | 1.0398% | 3,097 |
| Net interest margin | 3.2279% | 6,017 |
| Noninterest income to average assets | 0.2577% | 5,691 |
| Noninterest expense to average assets | 2.5257% | 5,374 |
| Loan and lease loss provision to assets | 0.0206% | 6,311 |
| Net operating income to assets | 0.5103% | 4,371 |
| Return on assets (ROA) | 0.5103% | 4,587 |
| Pretax return on assets | 0.6237% | 4,615 |
| Return on Equity (ROE) | 3.4621% | 5,088 |
| Retained earnings to average equity (ytd only) | 1.3289% | 5,229 |
| Net charge-offs to loans | 0.0352% | 5,960 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 31.2500% | 820 |
| Efficiency ratio | 79.6748% | 2,352 |
| Assets per employee ($millions) | 4.9984% | 2,202 |
| Cash dividends to net income (ytd only)* | 61.6162% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 6,186 |
| Loan loss allowance to noncurrent loans | 576.3158% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.0950% | 6,718 |
| Noncurrent loans to loans | 0.1748% | 6,401 |
| Net loans and leases to total assets | 53.8225% | 5,061 |
| Net loans and leases to deposits | 69.6257% | 4,165 |
| Net loans and leases to core deposits | 70.6682% | 4,692 |
| Total domestic deposits to total assets | 77.3026% | 6,297 |
| Equity capital to assets | 14.4347% | 920 |
| Core capital (leverage) ratio | 14.7312% | 660 |
| Tier 1 risk-based capital ratio | 22.0153% | 1,237 |
| Total risk-based capital ratio | 22.8511% | 1,266 |
| Memoranda: | ||
| Average total assets | $38,801,800 | 6,711 |
| Average earning assets | $35,007,600 | 6,712 |
| Average equity | $5,719,000 | 6,227 |
| Average total loans | $22,711,400 | 6,521 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2666% | 6,040 |
| Cost of funding earning assets | 1.0847% | 3,078 |
| Net interest margin | 3.1818% | 6,198 |
| Noninterest income to average assets | 0.2632% | 5,737 |
| Noninterest expense to average assets | 2.6073% | 5,055 |
| Loan and lease loss provision to assets | 0.0277% | 6,091 |
| Net operating income to assets | 0.4363% | 4,832 |
| Return on assets (ROA) | 0.4363% | 5,027 |
| Pretax return on assets | 0.5229% | 5,070 |
| Return on Equity (ROE) | 2.9444% | 5,444 |
| Retained earnings to average equity (ytd only) | 2.1265% | 5,073 |
| Net charge-offs to loans | -0.0058% | 6,725 |
| Credit loss provision to net charge-offs | -800.0000% | 6,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5658% | 1,894 |
| Assets per employee ($millions) | 4.7705% | 2,521 |
| Cash dividends to net income (ytd only)* | 27.7798% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 6,325 |
| Loan loss allowance to noncurrent loans | 325.7143% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.1834% | 6,593 |
| Noncurrent loans to loans | 0.3034% | 6,240 |
| Net loans and leases to total assets | 59.8548% | 4,158 |
| Net loans and leases to deposits | 75.3571% | 3,443 |
| Net loans and leases to core deposits | 76.5055% | 4,132 |
| Total domestic deposits to total assets | 79.4283% | 5,885 |
| Equity capital to assets | 15.1661% | 807 |
| Core capital (leverage) ratio | 15.3599% | 601 |
| Tier 1 risk-based capital ratio | 21.7725% | 1,327 |
| Total risk-based capital ratio | 22.6309% | 1,359 |
| Memoranda: | ||
| Average total assets | $38,505,500 | 6,778 |
| Average earning assets | $35,031,250 | 6,774 |
| Average equity | $5,705,750 | 6,277 |
| Average total loans | $22,954,000 | 6,578 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1215% | 6,442 |
| Cost of funding earning assets | 1.1411% | 2,962 |
| Net interest margin | 2.9804% | 6,645 |
| Noninterest income to average assets | 0.2538% | 5,835 |
| Noninterest expense to average assets | 2.7655% | 4,564 |
| Loan and lease loss provision to assets | 0.0414% | 5,790 |
| Net operating income to assets | 0.1295% | 5,934 |
| Return on assets (ROA) | 0.1295% | 6,031 |
| Pretax return on assets | 0.1657% | 5,992 |
| Return on Equity (ROE) | 0.8805% | 6,115 |
| Retained earnings to average equity (ytd only) | 0.2466% | 5,739 |
| Net charge-offs to loans | -0.0087% | 6,658 |
| Credit loss provision to net charge-offs | -800.0000% | 6,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0314% | 1,041 |
| Assets per employee ($millions) | 4.9925% | 2,133 |
| Cash dividends to net income (ytd only)* | 72.0000% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 6,453 |
| Loan loss allowance to noncurrent loans | 312.3288% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.1828% | 6,642 |
| Noncurrent loans to loans | 0.3103% | 6,299 |
| Net loans and leases to total assets | 58.3300% | 4,569 |
| Net loans and leases to deposits | 78.5469% | 3,031 |
| Net loans and leases to core deposits | 79.7651% | 3,815 |
| Total domestic deposits to total assets | 74.2614% | 6,809 |
| Equity capital to assets | 14.2839% | 998 |
| Core capital (leverage) ratio | 14.4304% | 776 |
| Tier 1 risk-based capital ratio | 20.9939% | 1,421 |
| Total risk-based capital ratio | 21.8338% | 1,475 |
| Memoranda: | ||
| Average total assets | $38,619,330 | 6,838 |
| Average earning assets | $35,229,670 | 6,829 |
| Average equity | $5,678,330 | 6,322 |
| Average total loans | $22,915,000 | 6,643 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9734% | 6,738 |
| Cost of funding earning assets | 1.1204% | 3,376 |
| Net interest margin | 2.8530% | 6,828 |
| Noninterest income to average assets | 0.2529% | 5,872 |
| Noninterest expense to average assets | 3.2456% | 2,719 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.4426% | 6,769 |
| Return on assets (ROA) | -0.4426% | 6,780 |
| Pretax return on assets | -0.3899% | 6,679 |
| Return on Equity (ROE) | -2.9656% | 6,665 |
| Retained earnings to average equity (ytd only) | -4.2365% | 6,449 |
| Net charge-offs to loans | -0.0177% | 6,528 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.6531% | 431 |
| Assets per employee ($millions) | 4.9893% | 2,180 |
| Cash dividends to net income (ytd only)* | -42.8571% | 7,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 6,444 |
| Loan loss allowance to noncurrent loans | 239.1304% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.2305% | 6,600 |
| Noncurrent loans to loans | 0.4131% | 6,173 |
| Net loans and leases to total assets | 55.2513% | 5,122 |
| Net loans and leases to deposits | 74.3276% | 3,712 |
| Net loans and leases to core deposits | 75.4774% | 4,364 |
| Total domestic deposits to total assets | 74.3348% | 6,873 |
| Equity capital to assets | 14.1204% | 972 |
| Core capital (leverage) ratio | 14.6560% | 717 |
| Tier 1 risk-based capital ratio | 20.8515% | 1,424 |
| Total risk-based capital ratio | 21.6660% | 1,472 |
| Memoranda: | ||
| Average total assets | $37,959,000 | 6,905 |
| Average earning assets | $34,630,000 | 6,895 |
| Average equity | $5,665,000 | 6,347 |
| Average total loans | $22,610,000 | 6,708 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7943% | 5,433 |
| Cost of funding earning assets | 1.2320% | 4,343 |
| Net interest margin | 3.5623% | 4,989 |
| Noninterest income to average assets | 0.3157% | 5,538 |
| Noninterest expense to average assets | 2.6927% | 5,025 |
| Loan and lease loss provision to assets | 0.0880% | 6,272 |
| Net operating income to assets | 0.6102% | 3,627 |
| Return on assets (ROA) | 0.6102% | 3,793 |
| Pretax return on assets | 0.7741% | 3,715 |
| Return on Equity (ROE) | 3.5392% | 4,729 |
| Retained earnings to average equity (ytd only) | 1.3734% | 4,858 |
| Net charge-offs to loans | 0.1397% | 5,527 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 9.7931% | 1,779 |
| Efficiency ratio | 75.7472% | 3,085 |
| Assets per employee ($millions) | 4.5005% | 2,872 |
| Cash dividends to net income (ytd only)* | 61.1940% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 6,558 |
| Loan loss allowance to noncurrent loans | 219.0000% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.2777% | 6,556 |
| Noncurrent loans to loans | 0.4358% | 6,168 |
| Net loans and leases to total assets | 63.1263% | 4,043 |
| Net loans and leases to deposits | 85.0822% | 2,265 |
| Net loans and leases to core deposits | 86.5400% | 3,251 |
| Total domestic deposits to total assets | 74.1945% | 6,868 |
| Equity capital to assets | 15.8149% | 618 |
| Core capital (leverage) ratio | 15.8481% | 526 |
| Tier 1 risk-based capital ratio | 21.1018% | 1,303 |
| Total risk-based capital ratio | 21.9137% | 1,352 |
| Memoranda: | ||
| Average total assets | $32,941,200 | 7,115 |
| Average earning assets | $29,952,200 | 7,090 |
| Average equity | $5,679,200 | 6,462 |
| Average total loans | $20,765,400 | 6,882 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9655% | 4,968 |
| Cost of funding earning assets | 1.2794% | 4,374 |
| Net interest margin | 3.6862% | 4,477 |
| Noninterest income to average assets | 0.3274% | 5,538 |
| Noninterest expense to average assets | 2.7225% | 4,786 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6962% | 3,431 |
| Return on assets (ROA) | 0.6962% | 3,591 |
| Pretax return on assets | 0.9241% | 3,473 |
| Return on Equity (ROE) | 3.9466% | 4,809 |
| Retained earnings to average equity (ytd only) | 3.1245% | 4,249 |
| Net charge-offs to loans | 0.1648% | 5,001 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 8.9208% | 2,091 |
| Efficiency ratio | 74.6591% | 3,207 |
| Assets per employee ($millions) | 4.3479% | 3,176 |
| Cash dividends to net income (ytd only)* | 20.8358% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8402% | 6,916 |
| Loan loss allowance to noncurrent loans | 106.0109% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.5261% | 6,113 |
| Noncurrent loans to loans | 0.7926% | 5,625 |
| Net loans and leases to total assets | 65.8224% | 3,730 |
| Net loans and leases to deposits | 89.4581% | 1,793 |
| Net loans and leases to core deposits | 91.0519% | 2,945 |
| Total domestic deposits to total assets | 73.5790% | 6,975 |
| Equity capital to assets | 16.5311% | 583 |
| Core capital (leverage) ratio | 17.9959% | 352 |
| Tier 1 risk-based capital ratio | 21.3149% | 1,311 |
| Total risk-based capital ratio | 22.0347% | 1,374 |
| Memoranda: | ||
| Average total assets | $32,175,500 | 7,225 |
| Average earning assets | $28,972,250 | 7,212 |
| Average equity | $5,675,500 | 6,544 |
| Average total loans | $20,220,000 | 6,999 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9086% | 5,350 |
| Cost of funding earning assets | 1.2057% | 5,093 |
| Net interest margin | 3.7028% | 4,355 |
| Noninterest income to average assets | 0.3386% | 5,440 |
| Noninterest expense to average assets | 2.8173% | 4,411 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6516% | 3,620 |
| Return on assets (ROA) | 0.6516% | 3,776 |
| Pretax return on assets | 0.8369% | 3,754 |
| Return on Equity (ROE) | 3.6102% | 4,957 |
| Retained earnings to average equity (ytd only) | 3.0085% | 4,209 |
| Net charge-offs to loans | 0.0208% | 6,050 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 65.5000% | 473 |
| Efficiency ratio | 77.0979% | 2,880 |
| Assets per employee ($millions) | 3.9151% | 3,937 |
| Cash dividends to net income (ytd only)* | 16.6667% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 6,024 |
| Loan loss allowance to noncurrent loans | 204.7170% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.3384% | 6,577 |
| Noncurrent loans to loans | 0.5292% | 6,198 |
| Net loans and leases to total assets | 63.2547% | 4,405 |
| Net loans and leases to deposits | 77.9294% | 3,977 |
| Net loans and leases to core deposits | 77.9294% | 4,964 |
| Total domestic deposits to total assets | 81.1692% | 5,341 |
| Equity capital to assets | 18.1955% | 400 |
| Core capital (leverage) ratio | 17.9503% | 362 |
| Tier 1 risk-based capital ratio | 24.1192% | 933 |
| Total risk-based capital ratio | 25.0381% | 946 |
| Memoranda: | ||
| Average total assets | $31,306,330 | 7,301 |
| Average earning assets | $28,032,670 | 7,293 |
| Average equity | $5,650,670 | 6,571 |
| Average total loans | $19,263,670 | 7,112 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7507% | 6,072 |
| Cost of funding earning assets | 1.2668% | 5,026 |
| Net interest margin | 3.4838% | 5,225 |
| Noninterest income to average assets | 0.3067% | 5,687 |
| Noninterest expense to average assets | 2.7349% | 4,744 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5495% | 4,141 |
| Return on assets (ROA) | 0.5495% | 4,273 |
| Pretax return on assets | 0.6646% | 4,359 |
| Return on Equity (ROE) | 3.0570% | 5,314 |
| Retained earnings to average equity (ytd only) | 1.8484% | 5,007 |
| Net charge-offs to loans | 0.0847% | 4,578 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,525 |
| Efficiency ratio | 80.4511% | 2,499 |
| Assets per employee ($millions) | 3.9790% | 3,921 |
| Cash dividends to net income (ytd only)* | 39.5349% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1486% | 5,784 |
| Loan loss allowance to noncurrent loans | 307.1429% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 6,908 |
| Noncurrent loans to loans | 0.3740% | 6,543 |
| Net loans and leases to total assets | 58.1302% | 5,415 |
| Net loans and leases to deposits | 71.0408% | 5,195 |
| Net loans and leases to core deposits | 71.0408% | 5,826 |
| Total domestic deposits to total assets | 81.8265% | 5,142 |
| Equity capital to assets | 17.7149% | 449 |
| Core capital (leverage) ratio | 17.7193% | 385 |
| Tier 1 risk-based capital ratio | 21.6643% | 1,244 |
| Total risk-based capital ratio | 22.4903% | 1,278 |
| Memoranda: | ||
| Average total assets | $31,299,000 | 7,392 |
| Average earning assets | $27,785,500 | 7,399 |
| Average equity | $5,626,500 | 6,639 |
| Average total loans | $18,881,000 | 7,220 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4672% | 4,347 |
| Cost of funding earning assets | 1.5472% | 5,299 |
| Net interest margin | 3.9201% | 3,189 |
| Noninterest income to average assets | 0.3366% | 5,683 |
| Noninterest expense to average assets | 2.9528% | 4,331 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6166% | 3,269 |
| Return on assets (ROA) | 0.6166% | 3,338 |
| Pretax return on assets | 0.7699% | 3,346 |
| Return on Equity (ROE) | 3.2994% | 4,381 |
| Retained earnings to average equity (ytd only) | 1.1058% | 4,269 |
| Net charge-offs to loans | -0.0220% | 7,794 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3196% | 2,986 |
| Assets per employee ($millions) | 3.8458% | 4,158 |
| Cash dividends to net income (ytd only)* | 66.4865% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1500% | 5,641 |
| Loan loss allowance to noncurrent loans | 576.3158% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.1235% | 7,169 |
| Noncurrent loans to loans | 0.1995% | 6,925 |
| Net loans and leases to total assets | 61.1844% | 5,161 |
| Net loans and leases to deposits | 75.1007% | 4,861 |
| Net loans and leases to core deposits | 83.0788% | 5,811 |
| Total domestic deposits to total assets | 81.4698% | 5,168 |
| Equity capital to assets | 18.2474% | 428 |
| Core capital (leverage) ratio | 18.3930% | 374 |
| Tier 1 risk-based capital ratio | 24.4650% | 906 |
| Total risk-based capital ratio | 25.4195% | 909 |
| Memoranda: | ||
| Average total assets | $30,005,000 | 7,470 |
| Average earning assets | $25,918,000 | 7,507 |
| Average equity | $5,607,000 | 6,738 |
| Average total loans | $18,175,200 | 7,304 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5584% | 4,103 |
| Cost of funding earning assets | 1.5963% | 5,420 |
| Net interest margin | 3.9621% | 2,987 |
| Noninterest income to average assets | 0.3309% | 5,840 |
| Noninterest expense to average assets | 2.9202% | 4,365 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6619% | 3,343 |
| Return on assets (ROA) | 0.6619% | 3,408 |
| Pretax return on assets | 0.8184% | 3,483 |
| Return on Equity (ROE) | 3.5204% | 4,568 |
| Retained earnings to average equity (ytd only) | 2.6878% | 3,826 |
| Net charge-offs to loans | -0.2970% | 7,998 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1100% | 3,148 |
| Assets per employee ($millions) | 3.7110% | 4,400 |
| Cash dividends to net income (ytd only)* | 23.6507% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2969% | 4,526 |
| Loan loss allowance to noncurrent loans | 980.7692% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 7,330 |
| Noncurrent loans to loans | 0.1322% | 7,150 |
| Net loans and leases to total assets | 65.3732% | 4,564 |
| Net loans and leases to deposits | 81.5874% | 4,099 |
| Net loans and leases to core deposits | 89.9435% | 5,441 |
| Total domestic deposits to total assets | 80.1267% | 5,390 |
| Equity capital to assets | 19.0784% | 411 |
| Core capital (leverage) ratio | 19.0475% | 376 |
| Tier 1 risk-based capital ratio | 24.3832% | 962 |
| Total risk-based capital ratio | 25.4812% | 956 |
| Memoranda: | ||
| Average total assets | $29,814,750 | 7,543 |
| Average earning assets | $25,642,500 | 7,585 |
| Average equity | $5,605,250 | 6,816 |
| Average total loans | $17,958,250 | 7,381 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6140% | 4,000 |
| Cost of funding earning assets | 1.6526% | 5,499 |
| Net interest margin | 3.9614% | 2,858 |
| Noninterest income to average assets | 0.3081% | 6,049 |
| Noninterest expense to average assets | 2.9943% | 4,105 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5426% | 3,921 |
| Return on assets (ROA) | 0.5426% | 4,032 |
| Pretax return on assets | 0.6699% | 4,103 |
| Return on Equity (ROE) | 2.9003% | 4,941 |
| Retained earnings to average equity (ytd only) | 2.2558% | 4,081 |
| Net charge-offs to loans | -0.4255% | 8,097 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7185% | 2,759 |
| Assets per employee ($millions) | 3.7924% | 4,115 |
| Cash dividends to net income (ytd only)* | 22.2222% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 3,856 |
| Loan loss allowance to noncurrent loans | 354.9296% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.2340% | 6,915 |
| Noncurrent loans to loans | 0.3878% | 6,540 |
| Net loans and leases to total assets | 59.5207% | 5,763 |
| Net loans and leases to deposits | 73.6640% | 5,504 |
| Net loans and leases to core deposits | 81.3057% | 6,299 |
| Total domestic deposits to total assets | 80.8003% | 5,149 |
| Equity capital to assets | 18.5075% | 505 |
| Core capital (leverage) ratio | 18.8935% | 428 |
| Tier 1 risk-based capital ratio | 25.5159% | 896 |
| Total risk-based capital ratio | 26.6612% | 885 |
| Memoranda: | ||
| Average total assets | $29,857,000 | 7,608 |
| Average earning assets | $25,294,000 | 7,664 |
| Average equity | $5,585,670 | 6,865 |
| Average total loans | $17,390,000 | 7,466 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5103% | 4,857 |
| Cost of funding earning assets | 1.7140% | 5,542 |
| Net interest margin | 3.7963% | 3,456 |
| Noninterest income to average assets | 0.3106% | 5,956 |
| Noninterest expense to average assets | 2.8228% | 4,456 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5808% | 4,102 |
| Return on assets (ROA) | 0.5808% | 4,296 |
| Pretax return on assets | 0.6888% | 4,470 |
| Return on Equity (ROE) | 3.0874% | 5,335 |
| Retained earnings to average equity (ytd only) | 1.7950% | 4,849 |
| Net charge-offs to loans | -0.7561% | 8,139 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3846% | 2,762 |
| Assets per employee ($millions) | 3.7481% | 4,237 |
| Cash dividends to net income (ytd only)* | 41.8605% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4770% | 3,106 |
| Loan loss allowance to noncurrent loans | 173.9437% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.4736% | 6,065 |
| Noncurrent loans to loans | 0.8491% | 5,326 |
| Net loans and leases to total assets | 54.9475% | 6,360 |
| Net loans and leases to deposits | 67.9311% | 6,192 |
| Net loans and leases to core deposits | 74.6601% | 6,767 |
| Total domestic deposits to total assets | 80.8871% | 5,015 |
| Equity capital to assets | 18.6126% | 530 |
| Core capital (leverage) ratio | 18.5358% | 494 |
| Tier 1 risk-based capital ratio | 27.0002% | 824 |
| Total risk-based capital ratio | 28.1964% | 803 |
| Memoranda: | ||
| Average total assets | $29,616,000 | 7,662 |
| Average earning assets | $24,971,500 | 7,725 |
| Average equity | $5,571,000 | 6,924 |
| Average total loans | $16,930,000 | 7,533 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9833% | 5,628 |
| Cost of funding earning assets | 2.0651% | 6,181 |
| Net interest margin | 3.9182% | 3,487 |
| Noninterest income to average assets | 0.3019% | 6,294 |
| Noninterest expense to average assets | 2.9324% | 4,328 |
| Loan and lease loss provision to assets | -0.2322% | 8,274 |
| Net operating income to assets | 0.9255% | 2,894 |
| Return on assets (ROA) | 0.9255% | 2,745 |
| Pretax return on assets | 1.1577% | 2,815 |
| Return on Equity (ROE) | 5.0823% | 4,343 |
| Retained earnings to average equity (ytd only) | 2.8600% | 3,396 |
| Net charge-offs to loans | 0.1200% | 5,050 |
| Credit loss provision to net charge-offs | -333.3333% | 7,373 |
| Earnings coverage of net charge-offs (x) | 13.2857% | 2,147 |
| Efficiency ratio | 76.0103% | 3,234 |
| Assets per employee ($millions) | 3.6559% | 4,275 |
| Cash dividends to net income (ytd only)* | 43.7276% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 4,091 |
| Loan loss allowance to noncurrent loans | 233.6957% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.3146% | 6,351 |
| Noncurrent loans to loans | 0.5369% | 5,751 |
| Net loans and leases to total assets | 57.8589% | 6,218 |
| Net loans and leases to deposits | 71.7490% | 6,082 |
| Net loans and leases to core deposits | 77.6702% | 6,760 |
| Total domestic deposits to total assets | 80.6407% | 4,795 |
| Equity capital to assets | 19.0139% | 544 |
| Core capital (leverage) ratio | 18.9413% | 517 |
| Tier 1 risk-based capital ratio | 25.9722% | 905 |
| Total risk-based capital ratio | 26.9783% | 902 |
| Memoranda: | ||
| Average total assets | $30,145,800 | 7,642 |
| Average earning assets | $27,359,400 | 7,644 |
| Average equity | $5,489,600 | 6,981 |
| Average total loans | $17,505,600 | 7,493 |