Home > Bank of Thayer > Performance and Condition Ratios
Bank of Thayer, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2457% | 3,218 |
| Cost of funding earning assets | 0.5465% | 3,298 |
| Net interest margin | 3.6991% | 3,033 |
| Noninterest income to average assets | 1.2008% | 1,015 |
| Noninterest expense to average assets | 3.9073% | 958 |
| Loan and lease loss provision to assets | 0.2798% | 1,245 |
| Net operating income to assets | 0.3684% | 5,377 |
| Return on assets (ROA) | 0.4197% | 5,309 |
| Pretax return on assets | 0.4763% | 5,431 |
| Return on Equity (ROE) | 4.5224% | 4,974 |
| Retained earnings to average equity (ytd only) | 4.0917% | 3,778 |
| Net charge-offs to loans | 0.2495% | 2,320 |
| Credit loss provision to net charge-offs | 224.0000% | 1,092 |
| Earnings coverage of net charge-offs (x) | 5.5865% | 3,153 |
| Efficiency ratio | 84.8463% | 1,493 |
| Assets per employee ($millions) | 2.6940% | 6,281 |
| Cash dividends to net income (ytd only)* | 9.5241% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0485% | 1,617 |
| Loan loss allowance to noncurrent loans | 1,651.0204% | 311 |
| Noncurrent assets plus other real estate owned to assets | 1.0893% | 3,478 |
| Noncurrent loans to loans | 0.1241% | 5,956 |
| Net loans and leases to total assets | 49.5155% | 5,190 |
| Net loans and leases to deposits | 56.5613% | 5,323 |
| Net loans and leases to core deposits | 58.3909% | 5,422 |
| Total domestic deposits to total assets | 87.5430% | 2,388 |
| Equity capital to assets | 9.1686% | 4,977 |
| Core capital (leverage) ratio | 9.3556% | 4,600 |
| Tier 1 risk-based capital ratio | 17.3525% | 2,557 |
| Total risk-based capital ratio | 18.6067% | 2,529 |
| Memoranda: | ||
| Average total assets | $80,053,750 | 5,284 |
| Average earning assets | $73,673,500 | 5,250 |
| Average equity | $7,429,500 | 5,532 |
| Average total loans | $40,081,500 | 5,392 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2207% | 3,281 |
| Cost of funding earning assets | 0.5604% | 3,306 |
| Net interest margin | 3.6603% | 3,133 |
| Noninterest income to average assets | 1.1896% | 1,076 |
| Noninterest expense to average assets | 3.7399% | 1,184 |
| Loan and lease loss provision to assets | 0.3048% | 1,176 |
| Net operating income to assets | 0.3482% | 5,413 |
| Return on assets (ROA) | 0.4089% | 5,347 |
| Pretax return on assets | 0.5824% | 5,088 |
| Return on Equity (ROE) | 4.3893% | 5,050 |
| Retained earnings to average equity (ytd only) | 3.7508% | 3,911 |
| Net charge-offs to loans | 0.2086% | 2,510 |
| Credit loss provision to net charge-offs | 292.8571% | 884 |
| Earnings coverage of net charge-offs (x) | 7.6905% | 2,511 |
| Efficiency ratio | 82.3690% | 1,839 |
| Assets per employee ($millions) | 2.7238% | 6,266 |
| Cash dividends to net income (ytd only)* | 14.5455% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0413% | 1,762 |
| Loan loss allowance to noncurrent loans | 718.0180% | 630 |
| Noncurrent assets plus other real estate owned to assets | 1.0623% | 3,619 |
| Noncurrent loans to loans | 0.2843% | 5,590 |
| Net loans and leases to total assets | 46.8065% | 5,444 |
| Net loans and leases to deposits | 54.6839% | 5,460 |
| Net loans and leases to core deposits | 56.4090% | 5,569 |
| Total domestic deposits to total assets | 85.5947% | 3,583 |
| Equity capital to assets | 8.7208% | 5,522 |
| Core capital (leverage) ratio | 8.9597% | 5,064 |
| Tier 1 risk-based capital ratio | 17.0768% | 2,687 |
| Total risk-based capital ratio | 18.3237% | 2,657 |
| Memoranda: | ||
| Average total assets | $80,696,670 | 5,303 |
| Average earning assets | $73,874,000 | 5,283 |
| Average equity | $7,518,330 | 5,557 |
| Average total loans | $40,277,670 | 5,415 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2597% | 3,059 |
| Cost of funding earning assets | 0.5921% | 3,180 |
| Net interest margin | 3.6676% | 2,997 |
| Noninterest income to average assets | 1.1523% | 1,134 |
| Noninterest expense to average assets | 3.7661% | 1,157 |
| Loan and lease loss provision to assets | 0.3442% | 959 |
| Net operating income to assets | 0.2654% | 5,679 |
| Return on assets (ROA) | 0.3841% | 5,334 |
| Pretax return on assets | 0.5487% | 5,117 |
| Return on Equity (ROE) | 3.9925% | 5,096 |
| Retained earnings to average equity (ytd only) | 3.9925% | 3,837 |
| Net charge-offs to loans | 0.2739% | 1,861 |
| Credit loss provision to net charge-offs | 246.4286% | 936 |
| Earnings coverage of net charge-offs (x) | 5.1786% | 2,400 |
| Efficiency ratio | 83.8889% | 1,782 |
| Assets per employee ($millions) | 2.6608% | 6,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8620% | 2,413 |
| Loan loss allowance to noncurrent loans | 316.7364% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 1.2816% | 3,414 |
| Noncurrent loans to loans | 0.5879% | 4,969 |
| Net loans and leases to total assets | 49.9831% | 4,996 |
| Net loans and leases to deposits | 57.6336% | 5,083 |
| Net loans and leases to core deposits | 59.4711% | 5,196 |
| Total domestic deposits to total assets | 86.7256% | 3,114 |
| Equity capital to assets | 9.6438% | 4,649 |
| Core capital (leverage) ratio | 9.0026% | 4,885 |
| Tier 1 risk-based capital ratio | 16.7729% | 2,874 |
| Total risk-based capital ratio | 18.0197% | 2,841 |
| Memoranda: | ||
| Average total assets | $80,188,500 | 5,362 |
| Average earning assets | $72,962,500 | 5,356 |
| Average equity | $7,714,500 | 5,579 |
| Average total loans | $40,894,500 | 5,425 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8674% | 1,960 |
| Cost of funding earning assets | 0.7304% | 3,252 |
| Net interest margin | 4.1370% | 1,864 |
| Noninterest income to average assets | 1.2245% | 1,037 |
| Noninterest expense to average assets | 3.9245% | 1,074 |
| Loan and lease loss provision to assets | 0.4040% | 1,606 |
| Net operating income to assets | 0.4549% | 4,866 |
| Return on assets (ROA) | 0.4630% | 5,077 |
| Pretax return on assets | 0.6524% | 4,821 |
| Return on Equity (ROE) | 4.8964% | 4,725 |
| Retained earnings to average equity (ytd only) | 4.2594% | 3,226 |
| Net charge-offs to loans | 1.0175% | 1,064 |
| Credit loss provision to net charge-offs | 73.6842% | 4,047 |
| Earnings coverage of net charge-offs (x) | 1.9062% | 4,468 |
| Efficiency ratio | 78.9700% | 2,277 |
| Assets per employee ($millions) | 2.7777% | 6,338 |
| Cash dividends to net income (ytd only)* | 13.0081% | 3,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7407% | 2,784 |
| Loan loss allowance to noncurrent loans | 322.5225% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 1.3097% | 3,462 |
| Noncurrent loans to loans | 0.5397% | 5,176 |
| Net loans and leases to total assets | 50.1750% | 5,146 |
| Net loans and leases to deposits | 58.4413% | 5,188 |
| Net loans and leases to core deposits | 60.3029% | 5,340 |
| Total domestic deposits to total assets | 85.8555% | 3,422 |
| Equity capital to assets | 9.5973% | 4,756 |
| Core capital (leverage) ratio | 8.9738% | 4,937 |
| Tier 1 risk-based capital ratio | 16.2768% | 3,009 |
| Total risk-based capital ratio | 17.5254% | 2,966 |
| Memoranda: | ||
| Average total assets | $79,703,800 | 5,359 |
| Average earning assets | $72,153,800 | 5,364 |
| Average equity | $7,536,200 | 5,627 |
| Average total loans | $42,950,400 | 5,382 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6466% | 3,031 |
| Cost of funding earning assets | 0.7566% | 3,296 |
| Net interest margin | 3.8900% | 2,947 |
| Noninterest income to average assets | 1.2110% | 1,024 |
| Noninterest expense to average assets | 3.9685% | 977 |
| Loan and lease loss provision to assets | 0.4243% | 1,495 |
| Net operating income to assets | 0.2871% | 5,657 |
| Return on assets (ROA) | 0.2885% | 5,852 |
| Pretax return on assets | 0.3556% | 5,822 |
| Return on Equity (ROE) | 3.0628% | 5,658 |
| Retained earnings to average equity (ytd only) | 3.0628% | 4,719 |
| Net charge-offs to loans | 1.1796% | 846 |
| Credit loss provision to net charge-offs | 65.8854% | 4,008 |
| Earnings coverage of net charge-offs (x) | 1.2083% | 4,697 |
| Efficiency ratio | 83.6042% | 1,635 |
| Assets per employee ($millions) | 2.5602% | 6,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6238% | 3,436 |
| Loan loss allowance to noncurrent loans | 41.9316% | 5,548 |
| Noncurrent assets plus other real estate owned to assets | 2.8627% | 1,836 |
| Noncurrent loans to loans | 3.8725% | 1,342 |
| Net loans and leases to total assets | 53.3585% | 4,844 |
| Net loans and leases to deposits | 62.2948% | 4,935 |
| Net loans and leases to core deposits | 64.3069% | 5,119 |
| Total domestic deposits to total assets | 85.6549% | 3,437 |
| Equity capital to assets | 9.6629% | 4,972 |
| Core capital (leverage) ratio | 8.6937% | 5,485 |
| Tier 1 risk-based capital ratio | 15.5192% | 3,521 |
| Total risk-based capital ratio | 16.7686% | 3,486 |
| Memoranda: | ||
| Average total assets | $79,491,250 | 5,415 |
| Average earning assets | $72,252,250 | 5,419 |
| Average equity | $7,487,500 | 5,697 |
| Average total loans | $43,404,500 | 5,417 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7572% | 2,695 |
| Cost of funding earning assets | 0.7915% | 3,260 |
| Net interest margin | 3.9657% | 2,651 |
| Noninterest income to average assets | 1.2070% | 983 |
| Noninterest expense to average assets | 3.9883% | 952 |
| Loan and lease loss provision to assets | 0.2490% | 2,581 |
| Net operating income to assets | 0.3923% | 5,234 |
| Return on assets (ROA) | 0.3923% | 5,479 |
| Pretax return on assets | 0.5356% | 5,352 |
| Return on Equity (ROE) | 4.2009% | 5,177 |
| Retained earnings to average equity (ytd only) | 4.2009% | 3,815 |
| Net charge-offs to loans | 1.2269% | 879 |
| Credit loss provision to net charge-offs | 37.0787% | 4,320 |
| Earnings coverage of net charge-offs (x) | 1.1685% | 4,430 |
| Efficiency ratio | 83.5616% | 1,677 |
| Assets per employee ($millions) | 2.6010% | 6,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5507% | 3,775 |
| Loan loss allowance to noncurrent loans | 46.5917% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 2.5797% | 2,154 |
| Noncurrent loans to loans | 3.3282% | 1,748 |
| Net loans and leases to total assets | 52.2051% | 5,076 |
| Net loans and leases to deposits | 60.6763% | 5,176 |
| Net loans and leases to core deposits | 62.3618% | 5,357 |
| Total domestic deposits to total assets | 86.0387% | 3,339 |
| Equity capital to assets | 9.3799% | 5,220 |
| Core capital (leverage) ratio | 8.7507% | 5,294 |
| Tier 1 risk-based capital ratio | 15.5302% | 3,419 |
| Total risk-based capital ratio | 16.7834% | 3,382 |
| Memoranda: | ||
| Average total assets | $79,533,330 | 5,451 |
| Average earning assets | $71,512,670 | 5,479 |
| Average equity | $7,427,000 | 5,732 |
| Average total loans | $43,523,670 | 5,448 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9040% | 2,223 |
| Cost of funding earning assets | 0.8126% | 3,368 |
| Net interest margin | 4.0914% | 2,130 |
| Noninterest income to average assets | 1.0483% | 1,312 |
| Noninterest expense to average assets | 4.0210% | 913 |
| Loan and lease loss provision to assets | 0.2887% | 2,153 |
| Net operating income to assets | 0.3190% | 5,595 |
| Return on assets (ROA) | 0.3190% | 5,759 |
| Pretax return on assets | 0.4102% | 5,692 |
| Return on Equity (ROE) | 3.4244% | 5,543 |
| Retained earnings to average equity (ytd only) | 3.4244% | 4,519 |
| Net charge-offs to loans | -0.0091% | 5,921 |
| Credit loss provision to net charge-offs | -5,700.0000% | 6,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1931% | 1,563 |
| Assets per employee ($millions) | 2.3779% | 6,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0858% | 2,138 |
| Loan loss allowance to noncurrent loans | 65.5122% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 2.4119% | 2,452 |
| Noncurrent loans to loans | 3.1839% | 2,019 |
| Net loans and leases to total assets | 51.6166% | 5,071 |
| Net loans and leases to deposits | 59.5211% | 5,211 |
| Net loans and leases to core deposits | 61.3877% | 5,394 |
| Total domestic deposits to total assets | 86.7199% | 3,107 |
| Equity capital to assets | 9.1453% | 5,298 |
| Core capital (leverage) ratio | 8.6847% | 5,321 |
| Tier 1 risk-based capital ratio | 15.4955% | 3,453 |
| Total risk-based capital ratio | 16.7538% | 3,421 |
| Memoranda: | ||
| Average total assets | $78,985,000 | 5,512 |
| Average earning assets | $70,880,500 | 5,534 |
| Average equity | $7,359,000 | 5,774 |
| Average total loans | $43,907,500 | 5,468 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1349% | 2,310 |
| Cost of funding earning assets | 0.9613% | 3,634 |
| Net interest margin | 4.1736% | 2,143 |
| Noninterest income to average assets | 1.1072% | 1,082 |
| Noninterest expense to average assets | 4.2942% | 721 |
| Loan and lease loss provision to assets | 0.3076% | 3,213 |
| Net operating income to assets | 0.2448% | 5,440 |
| Return on assets (ROA) | 0.3050% | 5,385 |
| Pretax return on assets | 0.3947% | 5,310 |
| Return on Equity (ROE) | 3.3632% | 5,133 |
| Retained earnings to average equity (ytd only) | 3.3632% | 3,826 |
| Net charge-offs to loans | 0.1664% | 4,819 |
| Credit loss provision to net charge-offs | 320.0000% | 727 |
| Earnings coverage of net charge-offs (x) | 6.4933% | 2,504 |
| Efficiency ratio | 87.3111% | 1,413 |
| Assets per employee ($millions) | 2.4100% | 6,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8387% | 2,746 |
| Loan loss allowance to noncurrent loans | 62.0612% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 2.4170% | 2,517 |
| Noncurrent loans to loans | 2.9628% | 2,189 |
| Net loans and leases to total assets | 57.5246% | 4,459 |
| Net loans and leases to deposits | 66.6822% | 4,640 |
| Net loans and leases to core deposits | 67.8852% | 5,040 |
| Total domestic deposits to total assets | 86.2669% | 3,157 |
| Equity capital to assets | 9.4969% | 4,895 |
| Core capital (leverage) ratio | 8.7416% | 5,188 |
| Tier 1 risk-based capital ratio | 15.1155% | 3,571 |
| Total risk-based capital ratio | 16.3722% | 3,532 |
| Memoranda: | ||
| Average total assets | $78,035,400 | 5,502 |
| Average earning assets | $71,256,800 | 5,499 |
| Average equity | $7,076,600 | 5,845 |
| Average total loans | $45,069,200 | 5,466 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1681% | 2,316 |
| Cost of funding earning assets | 0.9898% | 3,751 |
| Net interest margin | 4.1783% | 2,180 |
| Noninterest income to average assets | 1.0903% | 1,126 |
| Noninterest expense to average assets | 4.0682% | 930 |
| Loan and lease loss provision to assets | 0.3118% | 3,032 |
| Net operating income to assets | 0.3705% | 5,128 |
| Return on assets (ROA) | 0.4463% | 4,992 |
| Pretax return on assets | 0.6116% | 4,771 |
| Return on Equity (ROE) | 4.9798% | 4,541 |
| Retained earnings to average equity (ytd only) | 4.9798% | 3,183 |
| Net charge-offs to loans | 0.1066% | 4,938 |
| Credit loss provision to net charge-offs | 508.3333% | 541 |
| Earnings coverage of net charge-offs (x) | 13.3608% | 1,625 |
| Efficiency ratio | 83.2346% | 1,822 |
| Assets per employee ($millions) | 2.4783% | 6,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7946% | 2,966 |
| Loan loss allowance to noncurrent loans | 53.5573% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 2.8271% | 2,295 |
| Noncurrent loans to loans | 3.3508% | 2,061 |
| Net loans and leases to total assets | 56.0999% | 4,824 |
| Net loans and leases to deposits | 65.0163% | 5,044 |
| Net loans and leases to core deposits | 65.8984% | 5,426 |
| Total domestic deposits to total assets | 86.2859% | 3,048 |
| Equity capital to assets | 9.2415% | 5,458 |
| Core capital (leverage) ratio | 8.7052% | 5,402 |
| Tier 1 risk-based capital ratio | 14.7855% | 3,786 |
| Total risk-based capital ratio | 16.0123% | 3,775 |
| Memoranda: | ||
| Average total assets | $78,264,250 | 5,545 |
| Average earning assets | $71,127,000 | 5,543 |
| Average equity | $7,014,750 | 5,899 |
| Average total loans | $45,038,000 | 5,514 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1878% | 2,306 |
| Cost of funding earning assets | 1.0151% | 3,847 |
| Net interest margin | 4.1727% | 2,150 |
| Noninterest income to average assets | 1.1089% | 1,056 |
| Noninterest expense to average assets | 4.0248% | 1,011 |
| Loan and lease loss provision to assets | 0.3234% | 2,849 |
| Net operating income to assets | 0.4202% | 4,857 |
| Return on assets (ROA) | 0.5108% | 4,592 |
| Pretax return on assets | 0.7059% | 4,366 |
| Return on Equity (ROE) | 5.7598% | 4,080 |
| Retained earnings to average equity (ytd only) | 5.7598% | 2,563 |
| Net charge-offs to loans | 0.1112% | 4,583 |
| Credit loss provision to net charge-offs | 504.0000% | 601 |
| Earnings coverage of net charge-offs (x) | 14.0800% | 1,502 |
| Efficiency ratio | 81.6667% | 2,149 |
| Assets per employee ($millions) | 2.3592% | 7,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6953% | 3,337 |
| Loan loss allowance to noncurrent loans | 55.2992% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 2.8721% | 2,340 |
| Noncurrent loans to loans | 3.0657% | 2,359 |
| Net loans and leases to total assets | 57.1289% | 4,799 |
| Net loans and leases to deposits | 66.2308% | 4,968 |
| Net loans and leases to core deposits | 66.7417% | 5,416 |
| Total domestic deposits to total assets | 86.2573% | 3,178 |
| Equity capital to assets | 9.1173% | 5,400 |
| Core capital (leverage) ratio | 8.5734% | 5,440 |
| Tier 1 risk-based capital ratio | 14.3991% | 3,870 |
| Total risk-based capital ratio | 15.6094% | 3,864 |
| Memoranda: | ||
| Average total assets | $77,917,330 | 5,597 |
| Average earning assets | $71,320,670 | 5,580 |
| Average equity | $6,910,000 | 5,947 |
| Average total loans | $44,949,670 | 5,562 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2000% | 2,218 |
| Cost of funding earning assets | 1.0479% | 3,867 |
| Net interest margin | 4.1521% | 2,072 |
| Noninterest income to average assets | 1.2367% | 830 |
| Noninterest expense to average assets | 3.9974% | 1,038 |
| Loan and lease loss provision to assets | 0.3387% | 2,530 |
| Net operating income to assets | 0.4875% | 4,538 |
| Return on assets (ROA) | 0.4875% | 4,622 |
| Pretax return on assets | 0.6825% | 4,372 |
| Return on Equity (ROE) | 5.5751% | 4,124 |
| Retained earnings to average equity (ytd only) | 5.5751% | 2,866 |
| Net charge-offs to loans | -0.0625% | 6,961 |
| Credit loss provision to net charge-offs | -942.8571% | 6,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6524% | 2,586 |
| Assets per employee ($millions) | 2.3268% | 7,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6507% | 3,524 |
| Loan loss allowance to noncurrent loans | 470.0637% | 677 |
| Noncurrent assets plus other real estate owned to assets | 1.2969% | 4,373 |
| Noncurrent loans to loans | 0.3512% | 6,288 |
| Net loans and leases to total assets | 55.5814% | 5,063 |
| Net loans and leases to deposits | 63.7261% | 5,287 |
| Net loans and leases to core deposits | 64.2044% | 5,701 |
| Total domestic deposits to total assets | 87.2192% | 2,815 |
| Equity capital to assets | 8.6638% | 5,695 |
| Core capital (leverage) ratio | 8.5257% | 5,403 |
| Tier 1 risk-based capital ratio | 14.0444% | 4,044 |
| Total risk-based capital ratio | 15.2454% | 4,052 |
| Memoranda: | ||
| Average total assets | $77,950,000 | 5,647 |
| Average earning assets | $71,000,500 | 5,630 |
| Average equity | $6,816,000 | 5,983 |
| Average total loans | $44,803,000 | 5,622 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5004% | 2,279 |
| Cost of funding earning assets | 1.2911% | 3,940 |
| Net interest margin | 4.2093% | 2,149 |
| Noninterest income to average assets | 1.1475% | 1,125 |
| Noninterest expense to average assets | 4.3108% | 803 |
| Loan and lease loss provision to assets | 0.7414% | 2,212 |
| Net operating income to assets | -0.0290% | 5,892 |
| Return on assets (ROA) | -0.0223% | 5,988 |
| Pretax return on assets | -0.0380% | 5,940 |
| Return on Equity (ROE) | -0.2481% | 5,993 |
| Retained earnings to average equity (ytd only) | -1.2989% | 5,860 |
| Net charge-offs to loans | 1.4575% | 1,519 |
| Credit loss provision to net charge-offs | 86.9432% | 5,244 |
| Earnings coverage of net charge-offs (x) | 0.8126% | 5,318 |
| Efficiency ratio | 86.1518% | 1,683 |
| Assets per employee ($millions) | 2.1940% | 7,307 |
| Cash dividends to net income (ytd only)* | -423.5294% | 7,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4834% | 4,106 |
| Loan loss allowance to noncurrent loans | 391.7647% | 797 |
| Noncurrent assets plus other real estate owned to assets | 1.3596% | 4,306 |
| Noncurrent loans to loans | 0.3786% | 6,291 |
| Net loans and leases to total assets | 57.6007% | 5,082 |
| Net loans and leases to deposits | 66.4498% | 5,344 |
| Net loans and leases to core deposits | 66.9629% | 5,779 |
| Total domestic deposits to total assets | 86.6830% | 2,989 |
| Equity capital to assets | 8.8268% | 5,395 |
| Core capital (leverage) ratio | 8.5954% | 5,203 |
| Tier 1 risk-based capital ratio | 14.0832% | 3,820 |
| Total risk-based capital ratio | 15.3567% | 3,765 |
| Memoranda: | ||
| Average total assets | $76,342,400 | 5,701 |
| Average earning assets | $69,940,800 | 5,672 |
| Average equity | $6,852,200 | 6,087 |
| Average total loans | $44,666,600 | 5,718 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4905% | 2,464 |
| Cost of funding earning assets | 1.3454% | 3,935 |
| Net interest margin | 4.1451% | 2,427 |
| Noninterest income to average assets | 1.1649% | 1,027 |
| Noninterest expense to average assets | 4.3551% | 703 |
| Loan and lease loss provision to assets | 0.8483% | 1,791 |
| Net operating income to assets | -0.2449% | 6,376 |
| Return on assets (ROA) | -0.2309% | 6,413 |
| Pretax return on assets | -0.2256% | 6,337 |
| Return on Equity (ROE) | -2.5616% | 6,455 |
| Retained earnings to average equity (ytd only) | -3.9587% | 6,461 |
| Net charge-offs to loans | 1.8053% | 1,071 |
| Credit loss provision to net charge-offs | 80.2980% | 5,123 |
| Earnings coverage of net charge-offs (x) | 0.5762% | 5,440 |
| Efficiency ratio | 87.7378% | 1,473 |
| Assets per employee ($millions) | 2.1037% | 7,459 |
| Cash dividends to net income (ytd only)* | -54.5455% | 7,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 4,467 |
| Loan loss allowance to noncurrent loans | 290.7834% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 1.5106% | 4,190 |
| Noncurrent loans to loans | 0.4812% | 6,232 |
| Net loans and leases to total assets | 58.7115% | 5,153 |
| Net loans and leases to deposits | 68.3515% | 5,374 |
| Net loans and leases to core deposits | 68.8916% | 5,852 |
| Total domestic deposits to total assets | 85.8965% | 3,128 |
| Equity capital to assets | 8.9578% | 5,641 |
| Core capital (leverage) ratio | 8.4122% | 5,678 |
| Tier 1 risk-based capital ratio | 14.0287% | 3,811 |
| Total risk-based capital ratio | 15.2806% | 3,780 |
| Memoranda: | ||
| Average total assets | $76,230,750 | 5,762 |
| Average earning assets | $69,864,750 | 5,740 |
| Average equity | $6,870,750 | 6,154 |
| Average total loans | $44,609,000 | 5,802 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5603% | 2,293 |
| Cost of funding earning assets | 1.4058% | 3,843 |
| Net interest margin | 4.1545% | 2,319 |
| Noninterest income to average assets | 1.0393% | 1,251 |
| Noninterest expense to average assets | 4.3405% | 689 |
| Loan and lease loss provision to assets | 0.9896% | 1,469 |
| Net operating income to assets | -0.4896% | 6,641 |
| Return on assets (ROA) | -0.4817% | 6,671 |
| Pretax return on assets | -0.4765% | 6,570 |
| Return on Equity (ROE) | -5.3336% | 6,724 |
| Retained earnings to average equity (ytd only) | -5.3336% | 6,592 |
| Net charge-offs to loans | 1.9934% | 909 |
| Credit loss provision to net charge-offs | 85.3273% | 4,560 |
| Earnings coverage of net charge-offs (x) | 0.4357% | 5,288 |
| Efficiency ratio | 89.5732% | 1,370 |
| Assets per employee ($millions) | 2.1158% | 7,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5361% | 3,735 |
| Loan loss allowance to noncurrent loans | 47.3066% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 2.9119% | 2,470 |
| Noncurrent loans to loans | 3.2471% | 2,469 |
| Net loans and leases to total assets | 57.6461% | 5,468 |
| Net loans and leases to deposits | 66.9467% | 5,689 |
| Net loans and leases to core deposits | 67.7587% | 6,076 |
| Total domestic deposits to total assets | 86.1074% | 3,023 |
| Equity capital to assets | 9.0587% | 5,352 |
| Core capital (leverage) ratio | 8.4784% | 5,450 |
| Tier 1 risk-based capital ratio | 14.2955% | 3,546 |
| Total risk-based capital ratio | 15.5607% | 3,510 |
| Memoranda: | ||
| Average total assets | $76,396,670 | 5,792 |
| Average earning assets | $69,996,670 | 5,773 |
| Average equity | $6,899,670 | 6,174 |
| Average total loans | $44,447,000 | 5,843 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4658% | 2,753 |
| Cost of funding earning assets | 1.5332% | 3,359 |
| Net interest margin | 3.9326% | 3,187 |
| Noninterest income to average assets | 0.9463% | 1,464 |
| Noninterest expense to average assets | 4.2922% | 728 |
| Loan and lease loss provision to assets | 0.2196% | 4,302 |
| Net operating income to assets | 0.0380% | 6,192 |
| Return on assets (ROA) | 0.0523% | 6,261 |
| Pretax return on assets | 0.0575% | 6,237 |
| Return on Equity (ROE) | 0.5798% | 6,244 |
| Retained earnings to average equity (ytd only) | 0.5798% | 5,595 |
| Net charge-offs to loans | 0.4147% | 2,800 |
| Credit loss provision to net charge-offs | 91.3043% | 3,639 |
| Earnings coverage of net charge-offs (x) | 1.0870% | 4,115 |
| Efficiency ratio | 94.2595% | 1,120 |
| Assets per employee ($millions) | 2.1697% | 7,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6884% | 3,106 |
| Loan loss allowance to noncurrent loans | 113.2219% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 1.9331% | 3,583 |
| Noncurrent loans to loans | 1.4912% | 4,510 |
| Net loans and leases to total assets | 57.1233% | 5,583 |
| Net loans and leases to deposits | 66.0777% | 5,812 |
| Net loans and leases to core deposits | 66.8784% | 6,219 |
| Total domestic deposits to total assets | 86.4487% | 2,920 |
| Equity capital to assets | 9.1505% | 5,062 |
| Core capital (leverage) ratio | 8.5886% | 5,223 |
| Tier 1 risk-based capital ratio | 14.7231% | 3,246 |
| Total risk-based capital ratio | 15.9548% | 3,224 |
| Memoranda: | ||
| Average total assets | $76,510,000 | 5,865 |
| Average earning assets | $70,182,000 | 5,842 |
| Average equity | $6,899,500 | 6,226 |
| Average total loans | $44,373,500 | 5,921 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8708% | 2,368 |
| Cost of funding earning assets | 1.8643% | 3,656 |
| Net interest margin | 4.0066% | 2,835 |
| Noninterest income to average assets | 1.0984% | 1,270 |
| Noninterest expense to average assets | 4.3048% | 982 |
| Loan and lease loss provision to assets | 0.2296% | 5,537 |
| Net operating income to assets | 0.2430% | 4,748 |
| Return on assets (ROA) | 0.2465% | 4,813 |
| Pretax return on assets | 0.2713% | 4,841 |
| Return on Equity (ROE) | 2.7879% | 4,594 |
| Retained earnings to average equity (ytd only) | 1.4161% | 4,077 |
| Net charge-offs to loans | 0.2926% | 4,804 |
| Credit loss provision to net charge-offs | 126.6187% | 4,111 |
| Earnings coverage of net charge-offs (x) | 2.7410% | 3,727 |
| Efficiency ratio | 89.6496% | 1,736 |
| Assets per employee ($millions) | 2.2023% | 7,570 |
| Cash dividends to net income (ytd only)* | 49.2063% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6808% | 2,960 |
| Loan loss allowance to noncurrent loans | 109.9707% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 1.8319% | 3,627 |
| Noncurrent loans to loans | 1.5284% | 4,357 |
| Net loans and leases to total assets | 56.9182% | 5,831 |
| Net loans and leases to deposits | 67.5577% | 5,881 |
| Net loans and leases to core deposits | 83.2280% | 5,799 |
| Total domestic deposits to total assets | 84.2512% | 3,919 |
| Equity capital to assets | 8.8870% | 5,300 |
| Core capital (leverage) ratio | 8.5731% | 5,147 |
| Tier 1 risk-based capital ratio | 14.2465% | 3,346 |
| Total risk-based capital ratio | 15.5217% | 3,284 |
| Memoranda: | ||
| Average total assets | $76,658,800 | 5,819 |
| Average earning assets | $70,858,800 | 5,783 |
| Average equity | $6,779,200 | 6,343 |
| Average total loans | $47,502,000 | 5,783 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9138% | 2,390 |
| Cost of funding earning assets | 1.9106% | 3,826 |
| Net interest margin | 4.0032% | 2,805 |
| Noninterest income to average assets | 1.0624% | 1,407 |
| Noninterest expense to average assets | 4.2044% | 1,029 |
| Loan and lease loss provision to assets | 0.2491% | 4,962 |
| Net operating income to assets | 0.2829% | 4,850 |
| Return on assets (ROA) | 0.2874% | 4,941 |
| Pretax return on assets | 0.3327% | 4,971 |
| Return on Equity (ROE) | 3.2536% | 4,678 |
| Retained earnings to average equity (ytd only) | 1.8339% | 4,296 |
| Net charge-offs to loans | 0.3705% | 3,802 |
| Credit loss provision to net charge-offs | 106.7164% | 4,764 |
| Earnings coverage of net charge-offs (x) | 2.4702% | 3,996 |
| Efficiency ratio | 87.9417% | 1,882 |
| Assets per employee ($millions) | 2.2184% | 7,595 |
| Cash dividends to net income (ytd only)* | 43.6383% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5783% | 3,084 |
| Loan loss allowance to noncurrent loans | 107.4405% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 1.8791% | 3,541 |
| Noncurrent loans to loans | 1.4690% | 4,484 |
| Net loans and leases to total assets | 57.9857% | 5,897 |
| Net loans and leases to deposits | 69.4810% | 5,984 |
| Net loans and leases to core deposits | 84.9763% | 5,968 |
| Total domestic deposits to total assets | 83.4555% | 3,986 |
| Equity capital to assets | 8.9690% | 5,526 |
| Core capital (leverage) ratio | 8.5906% | 5,315 |
| Tier 1 risk-based capital ratio | 14.2648% | 3,404 |
| Total risk-based capital ratio | 15.5186% | 3,348 |
| Memoranda: | ||
| Average total assets | $76,553,750 | 5,859 |
| Average earning assets | $71,109,000 | 5,817 |
| Average equity | $6,761,500 | 6,401 |
| Average total loans | $48,222,000 | 5,792 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0643% | 1,929 |
| Cost of funding earning assets | 1.9751% | 3,890 |
| Net interest margin | 4.0892% | 2,358 |
| Noninterest income to average assets | 1.0001% | 1,596 |
| Noninterest expense to average assets | 4.2027% | 1,068 |
| Loan and lease loss provision to assets | 0.3203% | 4,021 |
| Net operating income to assets | 0.2422% | 5,120 |
| Return on assets (ROA) | 0.2494% | 5,185 |
| Pretax return on assets | 0.2730% | 5,267 |
| Return on Equity (ROE) | 2.8384% | 4,960 |
| Retained earnings to average equity (ytd only) | 1.4042% | 4,554 |
| Net charge-offs to loans | 0.1019% | 5,144 |
| Credit loss provision to net charge-offs | 488.0000% | 949 |
| Earnings coverage of net charge-offs (x) | 8.9200% | 2,197 |
| Efficiency ratio | 87.7741% | 2,043 |
| Assets per employee ($millions) | 2.0143% | 7,843 |
| Cash dividends to net income (ytd only)* | 50.5263% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7168% | 2,284 |
| Loan loss allowance to noncurrent loans | 336.0996% | 939 |
| Noncurrent assets plus other real estate owned to assets | 1.3430% | 4,267 |
| Noncurrent loans to loans | 0.5108% | 6,249 |
| Net loans and leases to total assets | 60.5803% | 5,587 |
| Net loans and leases to deposits | 74.9729% | 5,326 |
| Net loans and leases to core deposits | 91.2185% | 5,425 |
| Total domestic deposits to total assets | 80.8029% | 5,147 |
| Equity capital to assets | 8.7807% | 5,627 |
| Core capital (leverage) ratio | 8.6170% | 5,232 |
| Tier 1 risk-based capital ratio | 13.8161% | 3,617 |
| Total risk-based capital ratio | 15.0580% | 3,565 |
| Memoranda: | ||
| Average total assets | $76,190,000 | 5,913 |
| Average earning assets | $70,577,000 | 5,866 |
| Average equity | $6,694,000 | 6,470 |
| Average total loans | $49,047,670 | 5,807 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0748% | 2,046 |
| Cost of funding earning assets | 2.0324% | 3,973 |
| Net interest margin | 4.0423% | 2,482 |
| Noninterest income to average assets | 0.9262% | 1,749 |
| Noninterest expense to average assets | 4.3466% | 819 |
| Loan and lease loss provision to assets | 0.5157% | 2,405 |
| Net operating income to assets | -0.1631% | 6,501 |
| Return on assets (ROA) | -0.1579% | 6,594 |
| Pretax return on assets | -0.1526% | 6,518 |
| Return on Equity (ROE) | -1.7963% | 6,637 |
| Retained earnings to average equity (ytd only) | -3.2333% | 6,317 |
| Net charge-offs to loans | 0.1681% | 3,625 |
| Credit loss provision to net charge-offs | 466.6667% | 1,137 |
| Earnings coverage of net charge-offs (x) | 3.2381% | 3,237 |
| Efficiency ratio | 92.3937% | 1,541 |
| Assets per employee ($millions) | 2.0134% | 7,885 |
| Cash dividends to net income (ytd only)* | -80.0000% | 8,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6240% | 2,424 |
| Loan loss allowance to noncurrent loans | 75.5747% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 1.3645% | 3,931 |
| Noncurrent loans to loans | 2.1489% | 3,054 |
| Net loans and leases to total assets | 62.4698% | 5,243 |
| Net loans and leases to deposits | 77.6044% | 4,989 |
| Net loans and leases to core deposits | 95.4182% | 5,027 |
| Total domestic deposits to total assets | 80.4977% | 5,171 |
| Equity capital to assets | 8.7833% | 5,650 |
| Core capital (leverage) ratio | 8.5381% | 5,455 |
| Tier 1 risk-based capital ratio | 13.4978% | 3,865 |
| Total risk-based capital ratio | 14.7695% | 3,779 |
| Memoranda: | ||
| Average total assets | $76,013,500 | 5,945 |
| Average earning assets | $71,048,000 | 5,877 |
| Average equity | $6,680,500 | 6,524 |
| Average total loans | $49,981,500 | 5,794 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9023% | 1,388 |
| Cost of funding earning assets | 2.5643% | 3,884 |
| Net interest margin | 4.3380% | 1,862 |
| Noninterest income to average assets | 1.1390% | 1,195 |
| Noninterest expense to average assets | 4.0650% | 1,329 |
| Loan and lease loss provision to assets | 0.5591% | 2,580 |
| Net operating income to assets | 0.4071% | 5,125 |
| Return on assets (ROA) | 0.4193% | 4,891 |
| Pretax return on assets | 0.5369% | 4,890 |
| Return on Equity (ROE) | 4.9958% | 4,391 |
| Retained earnings to average equity (ytd only) | 2.5212% | 3,631 |
| Net charge-offs to loans | 0.5439% | 2,193 |
| Credit loss provision to net charge-offs | 146.0751% | 3,611 |
| Earnings coverage of net charge-offs (x) | 2.8225% | 4,668 |
| Efficiency ratio | 79.0048% | 2,750 |
| Assets per employee ($millions) | 1.9873% | 7,917 |
| Cash dividends to net income (ytd only)* | 49.5327% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3877% | 3,272 |
| Loan loss allowance to noncurrent loans | 205.4755% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.4595% | 5,846 |
| Noncurrent loans to loans | 0.6754% | 5,344 |
| Net loans and leases to total assets | 67.0913% | 4,621 |
| Net loans and leases to deposits | 83.1558% | 4,554 |
| Net loans and leases to core deposits | 103.4824% | 4,442 |
| Total domestic deposits to total assets | 80.6814% | 4,779 |
| Equity capital to assets | 8.7939% | 5,661 |
| Core capital (leverage) ratio | 8.6523% | 5,281 |
| Tier 1 risk-based capital ratio | 12.7111% | 4,283 |
| Total risk-based capital ratio | 13.9239% | 4,224 |
| Memoranda: | ||
| Average total assets | $76,556,200 | 5,813 |
| Average earning assets | $70,701,000 | 5,791 |
| Average equity | $6,425,400 | 6,669 |
| Average total loans | $53,866,600 | 5,532 |