Home > Bank of Tucson > Performance and Condition Ratios
Bank of Tucson, Performance and Condition Ratios
| 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 | 4.5820% | 1,888 |
| Cost of funding earning assets | 0.1382% | 6,825 |
| Net interest margin | 4.4438% | 744 |
| Noninterest income to average assets | 0.2488% | 5,677 |
| Noninterest expense to average assets | 2.5245% | 4,677 |
| Loan and lease loss provision to assets | 0.0325% | 4,038 |
| Net operating income to assets | 0.9823% | 2,307 |
| Return on assets (ROA) | 0.9903% | 2,389 |
| Pretax return on assets | 1.6842% | 1,115 |
| Return on Equity (ROE) | 6.2162% | 3,929 |
| Retained earnings to average equity (ytd only) | 6.2162% | 2,556 |
| Net charge-offs to loans | -0.0962% | 6,425 |
| Credit loss provision to net charge-offs | -74.2857% | 5,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0373% | 5,959 |
| Assets per employee ($millions) | 7.2514% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9343% | 6,174 |
| Loan loss allowance to noncurrent loans | 54.1946% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 0.8672% | 4,212 |
| Noncurrent loans to loans | 1.7239% | 2,960 |
| Net loans and leases to total assets | 45.7286% | 5,462 |
| Net loans and leases to deposits | 54.7035% | 5,380 |
| Net loans and leases to core deposits | 56.7407% | 5,451 |
| Total domestic deposits to total assets | 83.5935% | 4,630 |
| Equity capital to assets | 16.0686% | 552 |
| Core capital (leverage) ratio | 10.7802% | 2,473 |
| Tier 1 risk-based capital ratio | 17.3359% | 2,632 |
| Total risk-based capital ratio | 18.0804% | 2,806 |
| Memoranda: | ||
| Average total assets | $319,911,000 | 2,044 |
| Average earning assets | $286,513,500 | 2,114 |
| Average equity | $50,964,000 | 1,425 |
| Average total loans | $145,505,500 | 2,645 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1872% | 1,141 |
| Cost of funding earning assets | 0.2055% | 6,823 |
| Net interest margin | 4.9817% | 398 |
| Noninterest income to average assets | 0.2346% | 5,767 |
| Noninterest expense to average assets | 3.1465% | 2,789 |
| Loan and lease loss provision to assets | 0.1455% | 3,782 |
| Net operating income to assets | 0.8339% | 3,121 |
| Return on assets (ROA) | 0.9999% | 2,557 |
| Pretax return on assets | 1.6284% | 1,310 |
| Return on Equity (ROE) | 6.3890% | 3,966 |
| Retained earnings to average equity (ytd only) | 6.3890% | 1,882 |
| Net charge-offs to loans | 0.1632% | 4,071 |
| Credit loss provision to net charge-offs | 191.1017% | 1,368 |
| Earnings coverage of net charge-offs (x) | 19.8898% | 1,373 |
| Efficiency ratio | 64.9868% | 4,708 |
| Assets per employee ($millions) | 6.9730% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9149% | 6,231 |
| Loan loss allowance to noncurrent loans | 52.3279% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 0.9035% | 4,238 |
| Noncurrent loans to loans | 1.7484% | 2,989 |
| Net loans and leases to total assets | 44.4000% | 5,779 |
| Net loans and leases to deposits | 53.4251% | 5,705 |
| Net loans and leases to core deposits | 55.6963% | 5,734 |
| Total domestic deposits to total assets | 83.1069% | 4,673 |
| Equity capital to assets | 15.7935% | 591 |
| Core capital (leverage) ratio | 9.1230% | 4,701 |
| Tier 1 risk-based capital ratio | 14.9089% | 3,772 |
| Total risk-based capital ratio | 15.6274% | 4,066 |
| Memoranda: | ||
| Average total assets | $309,929,800 | 2,074 |
| Average earning assets | $275,388,800 | 2,128 |
| Average equity | $48,505,400 | 1,447 |
| Average total loans | $144,583,000 | 2,659 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2236% | 1,146 |
| Cost of funding earning assets | 0.2197% | 6,905 |
| Net interest margin | 5.0039% | 401 |
| Noninterest income to average assets | 0.2448% | 5,797 |
| Noninterest expense to average assets | 3.1581% | 2,690 |
| Loan and lease loss provision to assets | 0.1493% | 3,671 |
| Net operating income to assets | 0.8446% | 3,236 |
| Return on assets (ROA) | 0.9912% | 2,781 |
| Pretax return on assets | 1.6144% | 1,524 |
| Return on Equity (ROE) | 6.3487% | 4,139 |
| Retained earnings to average equity (ytd only) | 6.3487% | 2,457 |
| Net charge-offs to loans | 0.1869% | 3,623 |
| Credit loss provision to net charge-offs | 169.4581% | 1,641 |
| Earnings coverage of net charge-offs (x) | 17.4187% | 1,626 |
| Efficiency ratio | 64.7924% | 4,658 |
| Assets per employee ($millions) | 6.1763% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8820% | 6,424 |
| Loan loss allowance to noncurrent loans | 44.3848% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 1.1267% | 4,039 |
| Noncurrent loans to loans | 1.9872% | 2,855 |
| Net loans and leases to total assets | 44.2746% | 5,944 |
| Net loans and leases to deposits | 53.3648% | 5,862 |
| Net loans and leases to core deposits | 55.6204% | 5,923 |
| Total domestic deposits to total assets | 82.9660% | 4,649 |
| Equity capital to assets | 15.9134% | 623 |
| Core capital (leverage) ratio | 8.9643% | 5,117 |
| Tier 1 risk-based capital ratio | 14.6239% | 4,099 |
| Total risk-based capital ratio | 15.3084% | 4,443 |
| Memoranda: | ||
| Average total assets | $307,222,500 | 2,116 |
| Average earning assets | $273,085,250 | 2,172 |
| Average equity | $47,967,000 | 1,473 |
| Average total loans | $144,795,750 | 2,677 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4399% | 812 |
| Cost of funding earning assets | 0.2357% | 6,955 |
| Net interest margin | 5.2042% | 285 |
| Noninterest income to average assets | 0.2626% | 5,703 |
| Noninterest expense to average assets | 3.5078% | 1,768 |
| Loan and lease loss provision to assets | 0.2127% | 2,948 |
| Net operating income to assets | 0.7143% | 3,786 |
| Return on assets (ROA) | 0.7563% | 3,848 |
| Pretax return on assets | 1.2316% | 2,798 |
| Return on Equity (ROE) | 4.8765% | 4,859 |
| Retained earnings to average equity (ytd only) | 4.8765% | 3,349 |
| Net charge-offs to loans | 0.3038% | 2,814 |
| Credit loss provision to net charge-offs | 145.9459% | 1,900 |
| Earnings coverage of net charge-offs (x) | 9.4595% | 2,162 |
| Efficiency ratio | 69.3941% | 3,867 |
| Assets per employee ($millions) | 5.7039% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8449% | 6,577 |
| Loan loss allowance to noncurrent loans | 43.1133% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 1.2028% | 4,005 |
| Noncurrent loans to loans | 1.9598% | 2,990 |
| Net loans and leases to total assets | 46.6598% | 5,767 |
| Net loans and leases to deposits | 56.3076% | 5,616 |
| Net loans and leases to core deposits | 58.7707% | 5,714 |
| Total domestic deposits to total assets | 82.8660% | 4,800 |
| Equity capital to assets | 15.9637% | 587 |
| Core capital (leverage) ratio | 8.5710% | 5,560 |
| Tier 1 risk-based capital ratio | 13.7692% | 4,613 |
| Total risk-based capital ratio | 14.4430% | 5,018 |
| Memoranda: | ||
| Average total assets | $304,632,330 | 2,129 |
| Average earning assets | $270,665,670 | 2,185 |
| Average equity | $47,247,330 | 1,479 |
| Average total loans | $146,160,000 | 2,668 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1909% | 1,338 |
| Cost of funding earning assets | 0.2501% | 7,006 |
| Net interest margin | 4.9408% | 442 |
| Noninterest income to average assets | 0.3022% | 5,459 |
| Noninterest expense to average assets | 3.3408% | 2,168 |
| Loan and lease loss provision to assets | 0.8463% | 553 |
| Net operating income to assets | 0.3126% | 5,617 |
| Return on assets (ROA) | 0.3126% | 5,776 |
| Pretax return on assets | 0.5088% | 5,402 |
| Return on Equity (ROE) | 2.0453% | 6,062 |
| Retained earnings to average equity (ytd only) | 2.0453% | 5,248 |
| Net charge-offs to loans | 0.8858% | 1,163 |
| Credit loss provision to net charge-offs | 197.2561% | 1,357 |
| Earnings coverage of net charge-offs (x) | 3.1585% | 2,939 |
| Efficiency ratio | 68.7744% | 4,020 |
| Assets per employee ($millions) | 4.8244% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9837% | 6,310 |
| Loan loss allowance to noncurrent loans | 37.1661% | 5,793 |
| Noncurrent assets plus other real estate owned to assets | 1.2676% | 4,021 |
| Noncurrent loans to loans | 2.6467% | 2,458 |
| Net loans and leases to total assets | 46.2612% | 5,754 |
| Net loans and leases to deposits | 55.1462% | 5,687 |
| Net loans and leases to core deposits | 57.5609% | 5,755 |
| Total domestic deposits to total assets | 83.8883% | 4,548 |
| Equity capital to assets | 15.2149% | 709 |
| Core capital (leverage) ratio | 8.2677% | 5,929 |
| Tier 1 risk-based capital ratio | 13.2145% | 5,058 |
| Total risk-based capital ratio | 14.0216% | 5,365 |
| Memoranda: | ||
| Average total assets | $305,796,000 | 2,123 |
| Average earning assets | $271,938,000 | 2,187 |
| Average equity | $46,741,500 | 1,488 |
| Average total loans | $148,111,500 | 2,661 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5150% | 177 |
| Cost of funding earning assets | 0.3657% | 6,974 |
| Net interest margin | 6.1493% | 80 |
| Noninterest income to average assets | 0.1779% | 6,220 |
| Noninterest expense to average assets | 3.8168% | 1,312 |
| Loan and lease loss provision to assets | 0.4675% | 2,262 |
| Net operating income to assets | 0.7985% | 3,039 |
| Return on assets (ROA) | 0.7985% | 3,205 |
| Pretax return on assets | 1.3002% | 2,132 |
| Return on Equity (ROE) | 5.4348% | 4,176 |
| Retained earnings to average equity (ytd only) | 5.4348% | 2,346 |
| Net charge-offs to loans | 0.1038% | 5,320 |
| Credit loss provision to net charge-offs | 853.4247% | 263 |
| Earnings coverage of net charge-offs (x) | 32.2671% | 798 |
| Efficiency ratio | 66.4718% | 4,672 |
| Assets per employee ($millions) | 4.8068% | 2,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7238% | 6,872 |
| Loan loss allowance to noncurrent loans | 29.6816% | 6,219 |
| Noncurrent assets plus other real estate owned to assets | 1.2515% | 4,141 |
| Noncurrent loans to loans | 2.4387% | 2,695 |
| Net loans and leases to total assets | 49.8190% | 5,607 |
| Net loans and leases to deposits | 59.4942% | 5,547 |
| Net loans and leases to core deposits | 62.2513% | 5,630 |
| Total domestic deposits to total assets | 83.7376% | 4,437 |
| Equity capital to assets | 15.3569% | 704 |
| Core capital (leverage) ratio | 8.0709% | 6,177 |
| Tier 1 risk-based capital ratio | 13.0826% | 5,003 |
| Total risk-based capital ratio | 13.7080% | 5,465 |
| Memoranda: | ||
| Average total assets | $266,502,800 | 2,366 |
| Average earning assets | $234,319,200 | 2,453 |
| Average equity | $39,155,000 | 1,723 |
| Average total loans | $140,647,800 | 2,776 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1742% | 84 |
| Cost of funding earning assets | 0.3907% | 7,034 |
| Net interest margin | 6.7834% | 57 |
| Noninterest income to average assets | 0.2056% | 6,133 |
| Noninterest expense to average assets | 3.4557% | 2,059 |
| Loan and lease loss provision to assets | 0.2351% | 3,656 |
| Net operating income to assets | 1.5108% | 910 |
| Return on assets (ROA) | 1.5108% | 992 |
| Pretax return on assets | 2.4587% | 267 |
| Return on Equity (ROE) | 10.4220% | 2,062 |
| Retained earnings to average equity (ytd only) | 10.4220% | 742 |
| Net charge-offs to loans | -0.1248% | 7,199 |
| Credit loss provision to net charge-offs | -351.9380% | 6,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4850% | 6,441 |
| Assets per employee ($millions) | 5.1094% | 2,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3684% | 7,251 |
| Loan loss allowance to noncurrent loans | 13.2560% | 6,849 |
| Noncurrent assets plus other real estate owned to assets | 1.4910% | 3,880 |
| Noncurrent loans to loans | 2.7792% | 2,505 |
| Net loans and leases to total assets | 51.4302% | 5,521 |
| Net loans and leases to deposits | 61.4675% | 5,464 |
| Net loans and leases to core deposits | 64.4977% | 5,564 |
| Total domestic deposits to total assets | 83.6706% | 4,392 |
| Equity capital to assets | 15.3270% | 764 |
| Core capital (leverage) ratio | 8.2831% | 6,001 |
| Tier 1 risk-based capital ratio | 13.2242% | 4,928 |
| Total risk-based capital ratio | 13.5552% | 5,647 |
| Memoranda: | ||
| Average total assets | $257,421,500 | 2,458 |
| Average earning assets | $225,563,000 | 2,560 |
| Average equity | $37,317,500 | 1,807 |
| Average total loans | $137,818,250 | 2,861 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4361% | 74 |
| Cost of funding earning assets | 0.4047% | 7,114 |
| Net interest margin | 7.0314% | 53 |
| Noninterest income to average assets | 0.2514% | 5,848 |
| Noninterest expense to average assets | 3.6077% | 1,720 |
| Loan and lease loss provision to assets | 0.3095% | 2,938 |
| Net operating income to assets | 1.5475% | 811 |
| Return on assets (ROA) | 1.5475% | 861 |
| Pretax return on assets | 2.5182% | 237 |
| Return on Equity (ROE) | 10.9402% | 1,814 |
| Retained earnings to average equity (ytd only) | 10.9402% | 675 |
| Net charge-offs to loans | -0.0244% | 6,870 |
| Credit loss provision to net charge-offs | -2,331.2500% | 6,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3063% | 6,595 |
| Assets per employee ($millions) | 5.1944% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2416% | 7,380 |
| Loan loss allowance to noncurrent loans | 8.6792% | 6,967 |
| Noncurrent assets plus other real estate owned to assets | 1.7333% | 3,603 |
| Noncurrent loans to loans | 2.7841% | 2,616 |
| Net loans and leases to total assets | 53.3054% | 5,386 |
| Net loans and leases to deposits | 61.9329% | 5,513 |
| Net loans and leases to core deposits | 65.1417% | 5,595 |
| Total domestic deposits to total assets | 86.0696% | 3,289 |
| Equity capital to assets | 13.0870% | 1,480 |
| Core capital (leverage) ratio | 5.5442% | 7,252 |
| Tier 1 risk-based capital ratio | 9.1415% | 7,160 |
| Total risk-based capital ratio | 9.3683% | 7,243 |
| Memoranda: | ||
| Average total assets | $241,041,000 | 2,650 |
| Average earning assets | $211,992,670 | 2,734 |
| Average equity | $34,094,330 | 1,954 |
| Average total loans | $131,008,000 | 3,022 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0759% | 55 |
| Cost of funding earning assets | 0.4211% | 7,180 |
| Net interest margin | 7.6548% | 41 |
| Noninterest income to average assets | 0.2750% | 5,704 |
| Noninterest expense to average assets | 3.5729% | 1,821 |
| Loan and lease loss provision to assets | 0.1081% | 4,661 |
| Net operating income to assets | 2.0804% | 312 |
| Return on assets (ROA) | 2.0804% | 326 |
| Pretax return on assets | 3.3851% | 131 |
| Return on Equity (ROE) | 13.9623% | 1,000 |
| Retained earnings to average equity (ytd only) | 13.9623% | 476 |
| Net charge-offs to loans | -0.0069% | 6,286 |
| Credit loss provision to net charge-offs | -2,850.0000% | 6,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0070% | 7,063 |
| Assets per employee ($millions) | 5.9176% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0368% | 7,494 |
| Loan loss allowance to noncurrent loans | 2.7700% | 7,058 |
| Noncurrent assets plus other real estate owned to assets | 0.7451% | 5,444 |
| Noncurrent loans to loans | 1.3296% | 4,480 |
| Net loans and leases to total assets | 51.0613% | 5,709 |
| Net loans and leases to deposits | 58.8423% | 5,845 |
| Net loans and leases to core deposits | 62.2426% | 5,903 |
| Total domestic deposits to total assets | 86.7765% | 3,072 |
| Equity capital to assets | 12.3269% | 1,726 |
| Core capital (leverage) ratio | 6.9455% | 7,031 |
| Tier 1 risk-based capital ratio | 8.5816% | 7,256 |
| Total risk-based capital ratio | 8.6157% | 7,340 |
| Memoranda: | ||
| Average total assets | $210,923,000 | 2,979 |
| Average earning assets | $187,124,000 | 3,053 |
| Average equity | $31,427,500 | 2,086 |
| Average total loans | $116,019,000 | 3,337 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4312% | 7,625 |
| Cost of funding earning assets | 0.0346% | 7,612 |
| Net interest margin | 0.3966% | 7,615 |
| Noninterest income to average assets | 0.0081% | 7,252 |
| Noninterest expense to average assets | 1.3620% | 7,501 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -0.6225% | 6,462 |
| Return on assets (ROA) | -0.6225% | 6,492 |
| Pretax return on assets | -1.0039% | 6,645 |
| Return on Equity (ROE) | -4.8232% | 6,419 |
| Retained earnings to average equity (ytd only) | -4.8232% | 6,280 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 378.9773% | 18 |
| Assets per employee ($millions) | 5.6955% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,582 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,156 |
| Noncurrent assets plus other real estate owned to assets | 1.1440% | 4,719 |
| Noncurrent loans to loans | 1.4352% | 4,334 |
| Net loans and leases to total assets | 66.3817% | 3,385 |
| Net loans and leases to deposits | 87.8211% | 1,818 |
| Net loans and leases to core deposits | 93.2147% | 2,354 |
| Total domestic deposits to total assets | 75.5875% | 6,682 |
| Equity capital to assets | 22.3573% | 171 |
| Core capital (leverage) ratio | 94.5214% | 6 |
| Tier 1 risk-based capital ratio | 26.2796% | 734 |
| Total risk-based capital ratio | 26.2796% | 822 |
| Memoranda: | ||
| Average total assets | $98,314,800 | 5,039 |
| Average earning assets | $86,743,600 | 5,127 |
| Average equity | $12,688,600 | 4,430 |
| Average total loans | $76,982,200 | 4,421 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9874% | 963 |
| Cost of funding earning assets | 1.0284% | 5,809 |
| Net interest margin | 4.9590% | 478 |
| Noninterest income to average assets | 0.0932% | 7,079 |
| Noninterest expense to average assets | 2.7587% | 4,646 |
| Loan and lease loss provision to assets | 1.1004% | 1,321 |
| Net operating income to assets | 0.3659% | 4,906 |
| Return on assets (ROA) | 0.3659% | 5,084 |
| Pretax return on assets | 0.6079% | 4,570 |
| Return on Equity (ROE) | 3.5737% | 4,977 |
| Retained earnings to average equity (ytd only) | 3.5737% | 3,933 |
| Net charge-offs to loans | 1.4326% | 1,420 |
| Credit loss provision to net charge-offs | 94.0547% | 4,609 |
| Earnings coverage of net charge-offs (x) | 1.4602% | 4,634 |
| Efficiency ratio | 61.7565% | 5,657 |
| Assets per employee ($millions) | 4.8761% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4232% | 4,343 |
| Loan loss allowance to noncurrent loans | 139.9491% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 1.0028% | 5,083 |
| Noncurrent loans to loans | 1.0169% | 5,201 |
| Net loans and leases to total assets | 82.2408% | 468 |
| Net loans and leases to deposits | 95.5445% | 1,042 |
| Net loans and leases to core deposits | 101.7616% | 1,678 |
| Total domestic deposits to total assets | 86.0759% | 3,032 |
| Equity capital to assets | 10.6298% | 3,373 |
| Core capital (leverage) ratio | 9.3879% | 4,074 |
| Tier 1 risk-based capital ratio | 11.6873% | 5,741 |
| Total risk-based capital ratio | 12.9395% | 5,716 |
| Memoranda: | ||
| Average total assets | $95,839,750 | 5,162 |
| Average earning assets | $84,531,250 | 5,251 |
| Average equity | $9,812,250 | 5,255 |
| Average total loans | $78,269,000 | 4,456 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9480% | 1,059 |
| Cost of funding earning assets | 1.0974% | 5,686 |
| Net interest margin | 4.8506% | 600 |
| Noninterest income to average assets | 0.0887% | 7,136 |
| Noninterest expense to average assets | 2.7140% | 4,852 |
| Loan and lease loss provision to assets | 0.0929% | 5,987 |
| Net operating income to assets | 0.9122% | 2,508 |
| Return on assets (ROA) | 0.9122% | 2,614 |
| Pretax return on assets | 1.4963% | 1,564 |
| Return on Equity (ROE) | 9.0201% | 2,455 |
| Retained earnings to average equity (ytd only) | 9.0201% | 1,100 |
| Net charge-offs to loans | 0.2417% | 4,150 |
| Credit loss provision to net charge-offs | 47.3684% | 5,476 |
| Earnings coverage of net charge-offs (x) | 8.1053% | 2,189 |
| Efficiency ratio | 63.0695% | 5,504 |
| Assets per employee ($millions) | 5.3748% | 1,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4218% | 4,328 |
| Loan loss allowance to noncurrent loans | 151.5152% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.9354% | 5,256 |
| Noncurrent loans to loans | 0.9384% | 5,420 |
| Net loans and leases to total assets | 78.8314% | 990 |
| Net loans and leases to deposits | 94.0361% | 1,270 |
| Net loans and leases to core deposits | 99.8965% | 2,029 |
| Total domestic deposits to total assets | 83.8310% | 4,185 |
| Equity capital to assets | 10.3641% | 3,569 |
| Core capital (leverage) ratio | 9.3510% | 4,039 |
| Tier 1 risk-based capital ratio | 11.9309% | 5,372 |
| Total risk-based capital ratio | 13.1827% | 5,344 |
| Memoranda: | ||
| Average total assets | $96,904,670 | 5,167 |
| Average earning assets | $84,195,670 | 5,286 |
| Average equity | $9,800,330 | 5,259 |
| Average total loans | $78,594,670 | 4,491 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8437% | 1,337 |
| Cost of funding earning assets | 1.1799% | 5,509 |
| Net interest margin | 4.6637% | 843 |
| Noninterest income to average assets | -0.0949% | 7,751 |
| Noninterest expense to average assets | 2.6231% | 5,257 |
| Loan and lease loss provision to assets | 0.0330% | 6,347 |
| Net operating income to assets | 0.8414% | 2,784 |
| Return on assets (ROA) | 0.8414% | 2,879 |
| Pretax return on assets | 1.3734% | 1,846 |
| Return on Equity (ROE) | 8.4237% | 2,692 |
| Retained earnings to average equity (ytd only) | 8.4237% | 1,557 |
| Net charge-offs to loans | 0.3434% | 3,036 |
| Credit loss provision to net charge-offs | 11.7647% | 5,029 |
| Earnings coverage of net charge-offs (x) | 5.0147% | 2,489 |
| Efficiency ratio | 65.0972% | 5,290 |
| Assets per employee ($millions) | 5.5212% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 4,526 |
| Loan loss allowance to noncurrent loans | 140.6452% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.7798% | 5,589 |
| Noncurrent loans to loans | 0.9801% | 5,369 |
| Net loans and leases to total assets | 78.4710% | 1,067 |
| Net loans and leases to deposits | 95.1896% | 1,204 |
| Net loans and leases to core deposits | 105.6306% | 1,606 |
| Total domestic deposits to total assets | 82.4365% | 4,878 |
| Equity capital to assets | 9.8499% | 4,054 |
| Core capital (leverage) ratio | 9.3200% | 4,020 |
| Tier 1 risk-based capital ratio | 11.6172% | 5,559 |
| Total risk-based capital ratio | 12.8689% | 5,523 |
| Memoranda: | ||
| Average total assets | $96,983,500 | 5,234 |
| Average earning assets | $85,768,000 | 5,311 |
| Average equity | $9,687,000 | 5,325 |
| Average total loans | $79,208,500 | 4,537 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9813% | 1,940 |
| Cost of funding earning assets | 1.3523% | 6,134 |
| Net interest margin | 4.6290% | 933 |
| Noninterest income to average assets | 0.2656% | 6,211 |
| Noninterest expense to average assets | 2.8668% | 4,666 |
| Loan and lease loss provision to assets | 0.7979% | 2,738 |
| Net operating income to assets | 0.4733% | 3,843 |
| Return on assets (ROA) | 0.4733% | 3,948 |
| Pretax return on assets | 0.7837% | 3,298 |
| Return on Equity (ROE) | 4.7358% | 3,783 |
| Retained earnings to average equity (ytd only) | 4.7358% | 1,955 |
| Net charge-offs to loans | 0.5798% | 3,483 |
| Credit loss provision to net charge-offs | 160.4396% | 2,775 |
| Earnings coverage of net charge-offs (x) | 3.1802% | 3,465 |
| Efficiency ratio | 64.4472% | 5,689 |
| Assets per employee ($millions) | 5.2547% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4494% | 3,980 |
| Loan loss allowance to noncurrent loans | 135.6132% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 1.0900% | 4,911 |
| Noncurrent loans to loans | 1.0688% | 5,182 |
| Net loans and leases to total assets | 82.6674% | 582 |
| Net loans and leases to deposits | 103.0252% | 693 |
| Net loans and leases to core deposits | 131.1094% | 1,222 |
| Total domestic deposits to total assets | 80.2400% | 5,605 |
| Equity capital to assets | 10.1337% | 3,581 |
| Core capital (leverage) ratio | 9.4719% | 3,751 |
| Tier 1 risk-based capital ratio | 11.0312% | 5,892 |
| Total risk-based capital ratio | 12.2834% | 5,856 |
| Memoranda: | ||
| Average total assets | $91,494,800 | 5,350 |
| Average earning assets | $82,674,200 | 5,374 |
| Average equity | $9,143,200 | 5,566 |
| Average total loans | $78,476,200 | 4,569 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0546% | 1,817 |
| Cost of funding earning assets | 1.3921% | 6,259 |
| Net interest margin | 4.6625% | 889 |
| Noninterest income to average assets | 0.2836% | 6,204 |
| Noninterest expense to average assets | 2.9231% | 4,354 |
| Loan and lease loss provision to assets | 0.9803% | 1,954 |
| Net operating income to assets | 0.3483% | 4,604 |
| Return on assets (ROA) | 0.3483% | 4,700 |
| Pretax return on assets | 0.5790% | 4,257 |
| Return on Equity (ROE) | 3.4983% | 4,575 |
| Retained earnings to average equity (ytd only) | 3.4983% | 3,333 |
| Net charge-offs to loans | 0.7360% | 2,524 |
| Credit loss provision to net charge-offs | 154.3981% | 3,098 |
| Earnings coverage of net charge-offs (x) | 2.4560% | 4,004 |
| Efficiency ratio | 65.2131% | 5,512 |
| Assets per employee ($millions) | 4.9759% | 2,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3880% | 4,012 |
| Loan loss allowance to noncurrent loans | 676.8293% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.3874% | 6,488 |
| Noncurrent loans to loans | 0.2051% | 6,986 |
| Net loans and leases to total assets | 88.0458% | 202 |
| Net loans and leases to deposits | 114.1856% | 318 |
| Net loans and leases to core deposits | 141.5545% | 849 |
| Total domestic deposits to total assets | 77.1076% | 6,311 |
| Equity capital to assets | 10.4849% | 3,531 |
| Core capital (leverage) ratio | 9.5292% | 3,872 |
| Tier 1 risk-based capital ratio | 10.6622% | 6,284 |
| Total risk-based capital ratio | 11.9141% | 6,263 |
| Memoranda: | ||
| Average total assets | $90,722,250 | 5,402 |
| Average earning assets | $81,699,250 | 5,429 |
| Average equity | $9,032,750 | 5,652 |
| Average total loans | $78,260,000 | 4,617 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0597% | 1,946 |
| Cost of funding earning assets | 1.4052% | 6,460 |
| Net interest margin | 4.6545% | 866 |
| Noninterest income to average assets | 0.3293% | 5,875 |
| Noninterest expense to average assets | 3.0118% | 4,039 |
| Loan and lease loss provision to assets | 1.4027% | 1,235 |
| Net operating income to assets | 0.0461% | 5,714 |
| Return on assets (ROA) | 0.0461% | 5,806 |
| Pretax return on assets | 0.0812% | 5,715 |
| Return on Equity (ROE) | 0.4712% | 5,795 |
| Retained earnings to average equity (ytd only) | 0.4712% | 5,023 |
| Net charge-offs to loans | 1.1173% | 1,627 |
| Credit loss provision to net charge-offs | 147.2350% | 3,139 |
| Earnings coverage of net charge-offs (x) | 1.5576% | 4,369 |
| Efficiency ratio | 66.9922% | 5,365 |
| Assets per employee ($millions) | 5.1051% | 1,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4358% | 3,543 |
| Loan loss allowance to noncurrent loans | 305.9490% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 6,498 |
| Noncurrent loans to loans | 0.4693% | 6,354 |
| Net loans and leases to total assets | 80.6838% | 1,197 |
| Net loans and leases to deposits | 104.6745% | 860 |
| Net loans and leases to core deposits | 128.6651% | 1,671 |
| Total domestic deposits to total assets | 77.0807% | 6,302 |
| Equity capital to assets | 9.6559% | 4,417 |
| Core capital (leverage) ratio | 9.0208% | 4,588 |
| Tier 1 risk-based capital ratio | 10.9824% | 5,890 |
| Total risk-based capital ratio | 12.2353% | 5,824 |
| Memoranda: | ||
| Average total assets | $91,107,330 | 5,429 |
| Average earning assets | $81,555,670 | 5,486 |
| Average equity | $8,913,330 | 5,712 |
| Average total loans | $77,690,000 | 4,667 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0899% | 1,979 |
| Cost of funding earning assets | 1.4434% | 6,600 |
| Net interest margin | 4.6465% | 873 |
| Noninterest income to average assets | 0.3616% | 5,550 |
| Noninterest expense to average assets | 2.9411% | 4,009 |
| Loan and lease loss provision to assets | 2.3105% | 512 |
| Net operating income to assets | -0.4630% | 6,838 |
| Return on assets (ROA) | -0.4630% | 6,901 |
| Pretax return on assets | -0.7452% | 6,996 |
| Return on Equity (ROE) | -4.7014% | 6,958 |
| Retained earnings to average equity (ytd only) | -4.7014% | 6,516 |
| Net charge-offs to loans | 2.2047% | 656 |
| Credit loss provision to net charge-offs | 120.4598% | 3,268 |
| Earnings coverage of net charge-offs (x) | 0.8161% | 4,372 |
| Efficiency ratio | 65.2642% | 5,455 |
| Assets per employee ($millions) | 5.1824% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 4,592 |
| Loan loss allowance to noncurrent loans | 268.5237% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.3848% | 6,346 |
| Noncurrent loans to loans | 0.4578% | 6,274 |
| Net loans and leases to total assets | 83.0260% | 839 |
| Net loans and leases to deposits | 106.9825% | 789 |
| Net loans and leases to core deposits | 135.8939% | 1,312 |
| Total domestic deposits to total assets | 77.6071% | 6,129 |
| Equity capital to assets | 9.4518% | 4,740 |
| Core capital (leverage) ratio | 9.0852% | 4,579 |
| Tier 1 risk-based capital ratio | 10.2725% | 6,619 |
| Total risk-based capital ratio | 11.4904% | 6,583 |
| Memoranda: | ||
| Average total assets | $90,715,000 | 5,461 |
| Average earning assets | $80,921,500 | 5,519 |
| Average equity | $8,933,500 | 5,724 |
| Average total loans | $78,924,000 | 4,647 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7961% | 1,691 |
| Cost of funding earning assets | 1.7803% | 7,057 |
| Net interest margin | 5.0157% | 493 |
| Noninterest income to average assets | 0.3927% | 5,533 |
| Noninterest expense to average assets | 2.8899% | 4,484 |
| Loan and lease loss provision to assets | 0.9352% | 1,585 |
| Net operating income to assets | 0.7202% | 3,803 |
| Return on assets (ROA) | 0.7202% | 3,634 |
| Pretax return on assets | 1.1839% | 2,707 |
| Return on Equity (ROE) | 7.1089% | 3,470 |
| Retained earnings to average equity (ytd only) | 2.1105% | 3,919 |
| Net charge-offs to loans | 0.9228% | 1,343 |
| Credit loss provision to net charge-offs | 111.0963% | 4,856 |
| Earnings coverage of net charge-offs (x) | 2.5174% | 4,815 |
| Efficiency ratio | 57.6949% | 6,752 |
| Assets per employee ($millions) | 4.6393% | 2,421 |
| Cash dividends to net income (ytd only)* | 70.3125% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1015% | 5,273 |
| 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 | 89.1237% | 270 |
| Net loans and leases to deposits | 118.1569% | 440 |
| Net loans and leases to core deposits | 147.0206% | 979 |
| Total domestic deposits to total assets | 75.4283% | 6,358 |
| Equity capital to assets | 10.2671% | 3,742 |
| Core capital (leverage) ratio | 9.1374% | 4,544 |
| Tier 1 risk-based capital ratio | 10.1467% | 6,580 |
| Total risk-based capital ratio | 11.2247% | 6,645 |
| Memoranda: | ||
| Average total assets | $88,860,800 | 5,392 |
| Average earning assets | $81,782,600 | 5,380 |
| Average equity | $9,002,800 | 5,738 |
| Average total loans | $81,058,400 | 4,490 |