Home > BankAsiana > Performance and Condition Ratios
BankAsiana, 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 | 5.4040% | 440 |
| Cost of funding earning assets | 0.8258% | 1,186 |
| Net interest margin | 4.5782% | 643 |
| Noninterest income to average assets | 1.1136% | 1,180 |
| Noninterest expense to average assets | 3.5187% | 1,572 |
| Loan and lease loss provision to assets | 0.3196% | 1,049 |
| Net operating income to assets | 0.8641% | 3,024 |
| Return on assets (ROA) | 0.8641% | 3,132 |
| Pretax return on assets | 1.5183% | 1,551 |
| Return on Equity (ROE) | 6.0700% | 4,149 |
| Retained earnings to average equity (ytd only) | 5.6501% | 2,635 |
| Net charge-offs to loans | 0.1078% | 3,461 |
| Credit loss provision to net charge-offs | 364.4444% | 725 |
| Earnings coverage of net charge-offs (x) | 20.9551% | 1,567 |
| Efficiency ratio | 65.6883% | 4,547 |
| Assets per employee ($millions) | 5.5267% | 1,598 |
| Cash dividends to net income (ytd only)* | 6.9171% | 3,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0251% | 1,663 |
| Loan loss allowance to noncurrent loans | 194.8257% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.8979% | 3,893 |
| Noncurrent loans to loans | 1.0394% | 3,722 |
| Net loans and leases to total assets | 84.6299% | 208 |
| Net loans and leases to deposits | 106.5241% | 227 |
| Net loans and leases to core deposits | 127.1214% | 224 |
| Total domestic deposits to total assets | 79.4467% | 5,640 |
| Equity capital to assets | 14.5564% | 808 |
| Core capital (leverage) ratio | 14.5585% | 721 |
| Tier 1 risk-based capital ratio | 16.2936% | 3,040 |
| Total risk-based capital ratio | 17.5522% | 2,997 |
| Memoranda: | ||
| Average total assets | $205,223,750 | 2,985 |
| Average earning assets | $190,200,000 | 2,970 |
| Average equity | $29,214,000 | 2,321 |
| Average total loans | $166,958,250 | 2,341 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2763% | 548 |
| Cost of funding earning assets | 0.8215% | 1,298 |
| Net interest margin | 4.4548% | 773 |
| Noninterest income to average assets | 1.1904% | 1,074 |
| Noninterest expense to average assets | 3.1586% | 2,485 |
| Loan and lease loss provision to assets | 0.4302% | 696 |
| Net operating income to assets | 0.9919% | 2,364 |
| Return on assets (ROA) | 0.9919% | 2,503 |
| Pretax return on assets | 1.7239% | 1,061 |
| Return on Equity (ROE) | 7.0203% | 3,585 |
| Retained earnings to average equity (ytd only) | 6.6621% | 2,064 |
| Net charge-offs to loans | 0.1209% | 3,155 |
| Credit loss provision to net charge-offs | 446.4646% | 609 |
| Earnings coverage of net charge-offs (x) | 22.3535% | 1,373 |
| Efficiency ratio | 59.4540% | 5,547 |
| Assets per employee ($millions) | 5.3618% | 1,734 |
| Cash dividends to net income (ytd only)* | 5.1030% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1148% | 1,602 |
| Loan loss allowance to noncurrent loans | 175.6903% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.9698% | 3,831 |
| Noncurrent loans to loans | 1.2037% | 3,549 |
| Net loans and leases to total assets | 78.8647% | 653 |
| Net loans and leases to deposits | 98.4244% | 522 |
| Net loans and leases to core deposits | 117.2597% | 367 |
| Total domestic deposits to total assets | 80.1272% | 5,578 |
| Equity capital to assets | 14.1041% | 939 |
| Core capital (leverage) ratio | 14.5080% | 698 |
| Tier 1 risk-based capital ratio | 16.8107% | 2,784 |
| Total risk-based capital ratio | 18.0703% | 2,750 |
| Memoranda: | ||
| Average total assets | $205,469,000 | 3,000 |
| Average earning assets | $190,132,670 | 2,987 |
| Average equity | $29,030,000 | 2,342 |
| Average total loans | $163,732,670 | 2,389 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1969% | 606 |
| Cost of funding earning assets | 0.8147% | 1,448 |
| Net interest margin | 4.3822% | 828 |
| Noninterest income to average assets | 0.8780% | 1,836 |
| Noninterest expense to average assets | 3.1407% | 2,541 |
| Loan and lease loss provision to assets | 0.4262% | 704 |
| Net operating income to assets | 0.8151% | 3,078 |
| Return on assets (ROA) | 0.8151% | 3,218 |
| Pretax return on assets | 1.3572% | 2,016 |
| Return on Equity (ROE) | 5.7642% | 4,169 |
| Retained earnings to average equity (ytd only) | 5.4031% | 3,003 |
| Net charge-offs to loans | 0.2058% | 2,191 |
| Credit loss provision to net charge-offs | 261.4458% | 889 |
| Earnings coverage of net charge-offs (x) | 10.9398% | 1,697 |
| Efficiency ratio | 63.7814% | 5,043 |
| Assets per employee ($millions) | 5.1833% | 1,997 |
| Cash dividends to net income (ytd only)* | 6.2651% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0383% | 1,946 |
| Loan loss allowance to noncurrent loans | 161.2500% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 1.0032% | 3,921 |
| Noncurrent loans to loans | 1.2640% | 3,667 |
| Net loans and leases to total assets | 77.7495% | 642 |
| Net loans and leases to deposits | 96.7621% | 503 |
| Net loans and leases to core deposits | 113.5245% | 403 |
| Total domestic deposits to total assets | 80.3511% | 5,677 |
| Equity capital to assets | 13.9821% | 1,029 |
| Core capital (leverage) ratio | 14.5626% | 657 |
| Tier 1 risk-based capital ratio | 16.9267% | 2,785 |
| Total risk-based capital ratio | 18.1858% | 2,756 |
| Memoranda: | ||
| Average total assets | $203,648,500 | 3,060 |
| Average earning assets | $188,033,500 | 3,042 |
| Average equity | $28,798,500 | 2,400 |
| Average total loans | $161,360,500 | 2,428 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4319% | 715 |
| Cost of funding earning assets | 0.9312% | 1,753 |
| Net interest margin | 4.5007% | 947 |
| Noninterest income to average assets | 1.5560% | 649 |
| Noninterest expense to average assets | 3.0532% | 3,081 |
| Loan and lease loss provision to assets | 0.9073% | 494 |
| Net operating income to assets | 1.0455% | 2,140 |
| Return on assets (ROA) | 1.0455% | 2,342 |
| Pretax return on assets | 1.7425% | 1,038 |
| Return on Equity (ROE) | 7.4855% | 3,349 |
| Retained earnings to average equity (ytd only) | 7.1036% | 1,523 |
| Net charge-offs to loans | 0.8205% | 1,426 |
| Credit loss provision to net charge-offs | 142.7658% | 1,919 |
| Earnings coverage of net charge-offs (x) | 4.1695% | 3,455 |
| Efficiency ratio | 53.5364% | 6,313 |
| Assets per employee ($millions) | 4.9992% | 2,230 |
| Cash dividends to net income (ytd only)* | 5.1020% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0358% | 1,928 |
| Loan loss allowance to noncurrent loans | 151.8152% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 1.0607% | 3,907 |
| Noncurrent loans to loans | 1.3410% | 3,598 |
| Net loans and leases to total assets | 77.4873% | 733 |
| Net loans and leases to deposits | 96.9953% | 564 |
| Net loans and leases to core deposits | 112.7197% | 444 |
| Total domestic deposits to total assets | 79.8877% | 5,694 |
| Equity capital to assets | 14.3064% | 934 |
| Core capital (leverage) ratio | 14.5403% | 664 |
| Tier 1 risk-based capital ratio | 17.3952% | 2,487 |
| Total risk-based capital ratio | 18.6542% | 2,459 |
| Memoranda: | ||
| Average total assets | $196,845,600 | 3,086 |
| Average earning assets | $181,373,600 | 3,068 |
| Average equity | $27,493,000 | 2,450 |
| Average total loans | $152,474,000 | 2,537 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3961% | 844 |
| Cost of funding earning assets | 0.9477% | 1,863 |
| Net interest margin | 4.4484% | 1,091 |
| Noninterest income to average assets | 1.5008% | 664 |
| Noninterest expense to average assets | 3.0615% | 3,008 |
| Loan and lease loss provision to assets | 0.9255% | 470 |
| Net operating income to assets | 0.9731% | 2,643 |
| Return on assets (ROA) | 0.9731% | 2,867 |
| Pretax return on assets | 1.6219% | 1,504 |
| Return on Equity (ROE) | 7.0108% | 3,809 |
| Retained earnings to average equity (ytd only) | 6.6238% | 2,315 |
| Net charge-offs to loans | 0.9948% | 1,067 |
| Credit loss provision to net charge-offs | 120.7631% | 2,396 |
| Earnings coverage of net charge-offs (x) | 3.3239% | 3,689 |
| Efficiency ratio | 54.5829% | 6,191 |
| Assets per employee ($millions) | 5.2603% | 1,871 |
| Cash dividends to net income (ytd only)* | 5.5206% | 3,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8578% | 2,621 |
| Loan loss allowance to noncurrent loans | 73.8427% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 2.0310% | 2,602 |
| Noncurrent loans to loans | 2.5158% | 2,274 |
| Net loans and leases to total assets | 79.2294% | 575 |
| Net loans and leases to deposits | 99.5314% | 467 |
| Net loans and leases to core deposits | 113.3369% | 449 |
| Total domestic deposits to total assets | 79.6024% | 5,748 |
| Equity capital to assets | 14.3949% | 1,006 |
| Core capital (leverage) ratio | 14.3125% | 750 |
| Tier 1 risk-based capital ratio | 16.8741% | 2,792 |
| Total risk-based capital ratio | 18.1303% | 2,755 |
| Memoranda: | ||
| Average total assets | $196,065,250 | 3,122 |
| Average earning assets | $181,063,500 | 3,104 |
| Average equity | $27,214,250 | 2,489 |
| Average total loans | $151,050,250 | 2,588 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2703% | 1,105 |
| Cost of funding earning assets | 0.9649% | 1,966 |
| Net interest margin | 4.3054% | 1,466 |
| Noninterest income to average assets | 1.5813% | 593 |
| Noninterest expense to average assets | 3.0528% | 3,072 |
| Loan and lease loss provision to assets | 0.9575% | 469 |
| Net operating income to assets | 0.9321% | 2,752 |
| Return on assets (ROA) | 0.9321% | 3,016 |
| Pretax return on assets | 1.5528% | 1,701 |
| Return on Equity (ROE) | 6.7986% | 3,889 |
| Retained earnings to average equity (ytd only) | 6.4052% | 2,438 |
| Net charge-offs to loans | 1.2253% | 882 |
| Credit loss provision to net charge-offs | 103.0668% | 2,645 |
| Earnings coverage of net charge-offs (x) | 2.7021% | 3,660 |
| Efficiency ratio | 54.8747% | 6,238 |
| Assets per employee ($millions) | 5.7078% | 1,434 |
| Cash dividends to net income (ytd only)* | 5.7860% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8234% | 2,773 |
| Loan loss allowance to noncurrent loans | 77.8256% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.6965% | 3,174 |
| Noncurrent loans to loans | 2.3429% | 2,557 |
| Net loans and leases to total assets | 71.0911% | 1,725 |
| Net loans and leases to deposits | 87.7604% | 1,391 |
| Net loans and leases to core deposits | 99.7337% | 1,116 |
| Total domestic deposits to total assets | 81.0059% | 5,468 |
| Equity capital to assets | 13.3668% | 1,358 |
| Core capital (leverage) ratio | 13.7913% | 869 |
| Tier 1 risk-based capital ratio | 17.5063% | 2,472 |
| Total risk-based capital ratio | 18.7624% | 2,436 |
| Memoranda: | ||
| Average total assets | $196,543,330 | 3,129 |
| Average earning assets | $181,773,000 | 3,104 |
| Average equity | $26,946,670 | 2,491 |
| Average total loans | $149,025,670 | 2,632 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4409% | 851 |
| Cost of funding earning assets | 0.9987% | 1,992 |
| Net interest margin | 4.4422% | 1,124 |
| Noninterest income to average assets | 1.0225% | 1,368 |
| Noninterest expense to average assets | 3.1092% | 2,888 |
| Loan and lease loss provision to assets | 1.1058% | 362 |
| Net operating income to assets | 0.5519% | 4,584 |
| Return on assets (ROA) | 0.5519% | 4,801 |
| Pretax return on assets | 0.9205% | 3,968 |
| Return on Equity (ROE) | 3.9720% | 5,306 |
| Retained earnings to average equity (ytd only) | 3.5823% | 4,428 |
| Net charge-offs to loans | 0.9441% | 1,097 |
| Credit loss provision to net charge-offs | 150.8523% | 1,660 |
| Earnings coverage of net charge-offs (x) | 2.7642% | 3,077 |
| Efficiency ratio | 60.5434% | 5,536 |
| Assets per employee ($millions) | 4.8583% | 2,443 |
| Cash dividends to net income (ytd only)* | 9.8113% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9665% | 2,464 |
| Loan loss allowance to noncurrent loans | 80.1567% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.8386% | 3,129 |
| Noncurrent loans to loans | 2.4534% | 2,660 |
| Net loans and leases to total assets | 73.4682% | 1,140 |
| Net loans and leases to deposits | 91.4889% | 840 |
| Net loans and leases to core deposits | 105.0999% | 714 |
| Total domestic deposits to total assets | 80.3029% | 5,779 |
| Equity capital to assets | 13.7985% | 1,089 |
| Core capital (leverage) ratio | 14.1353% | 769 |
| Tier 1 risk-based capital ratio | 17.7719% | 2,376 |
| Total risk-based capital ratio | 19.0302% | 2,350 |
| Memoranda: | ||
| Average total assets | $192,075,000 | 3,211 |
| Average earning assets | $177,838,000 | 3,177 |
| Average equity | $26,687,000 | 2,505 |
| Average total loans | $149,143,000 | 2,649 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6642% | 839 |
| Cost of funding earning assets | 1.0918% | 2,725 |
| Net interest margin | 4.5725% | 976 |
| Noninterest income to average assets | 1.6865% | 495 |
| Noninterest expense to average assets | 3.1807% | 2,936 |
| Loan and lease loss provision to assets | 1.3711% | 577 |
| Net operating income to assets | 1.5687% | 718 |
| Return on assets (ROA) | 1.5909% | 737 |
| Pretax return on assets | 1.3060% | 2,106 |
| Return on Equity (ROE) | 10.7751% | 1,775 |
| Retained earnings to average equity (ytd only) | 10.3582% | 501 |
| Net charge-offs to loans | 1.0419% | 1,665 |
| Credit loss provision to net charge-offs | 169.8620% | 1,583 |
| Earnings coverage of net charge-offs (x) | 3.2890% | 3,570 |
| Efficiency ratio | 54.5053% | 6,466 |
| Assets per employee ($millions) | 5.2727% | 1,858 |
| Cash dividends to net income (ytd only)* | 3.8688% | 4,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7589% | 2,990 |
| Loan loss allowance to noncurrent loans | 73.5415% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.9234% | 3,074 |
| Noncurrent loans to loans | 2.3918% | 2,732 |
| Net loans and leases to total assets | 79.0045% | 610 |
| Net loans and leases to deposits | 101.0342% | 413 |
| Net loans and leases to core deposits | 120.0596% | 352 |
| Total domestic deposits to total assets | 78.1958% | 6,156 |
| Equity capital to assets | 13.9919% | 1,069 |
| Core capital (leverage) ratio | 14.7676% | 656 |
| Tier 1 risk-based capital ratio | 16.8239% | 2,679 |
| Total risk-based capital ratio | 18.0794% | 2,643 |
| Memoranda: | ||
| Average total assets | $170,591,000 | 3,481 |
| Average earning assets | $154,796,000 | 3,496 |
| Average equity | $25,187,800 | 2,559 |
| Average total loans | $132,162,600 | 2,951 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6663% | 903 |
| Cost of funding earning assets | 1.1122% | 2,892 |
| Net interest margin | 4.5541% | 1,032 |
| Noninterest income to average assets | 1.7621% | 456 |
| Noninterest expense to average assets | 3.2966% | 2,504 |
| Loan and lease loss provision to assets | 1.1766% | 672 |
| Net operating income to assets | 1.9358% | 393 |
| Return on assets (ROA) | 1.9664% | 399 |
| Pretax return on assets | 1.4323% | 1,844 |
| Return on Equity (ROE) | 13.1210% | 1,248 |
| Retained earnings to average equity (ytd only) | 12.6971% | 409 |
| Net charge-offs to loans | 1.2059% | 1,299 |
| Credit loss provision to net charge-offs | 127.3281% | 2,518 |
| Earnings coverage of net charge-offs (x) | 2.7903% | 3,737 |
| Efficiency ratio | 56.1123% | 6,271 |
| Assets per employee ($millions) | 5.2943% | 1,821 |
| Cash dividends to net income (ytd only)* | 3.2311% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4114% | 4,509 |
| Loan loss allowance to noncurrent loans | 62.3364% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 1.7833% | 3,424 |
| Noncurrent loans to loans | 2.2642% | 3,033 |
| Net loans and leases to total assets | 77.6486% | 752 |
| Net loans and leases to deposits | 98.7132% | 531 |
| Net loans and leases to core deposits | 112.3875% | 593 |
| Total domestic deposits to total assets | 78.6608% | 6,057 |
| Equity capital to assets | 14.6483% | 952 |
| Core capital (leverage) ratio | 14.8689% | 694 |
| Tier 1 risk-based capital ratio | 17.3057% | 2,522 |
| Total risk-based capital ratio | 18.5563% | 2,484 |
| Memoranda: | ||
| Average total assets | $165,784,500 | 3,579 |
| Average earning assets | $149,723,000 | 3,609 |
| Average equity | $24,845,000 | 2,598 |
| Average total loans | $127,041,000 | 3,064 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5344% | 1,220 |
| Cost of funding earning assets | 1.0968% | 3,268 |
| Net interest margin | 4.4376% | 1,274 |
| Noninterest income to average assets | 1.8666% | 397 |
| Noninterest expense to average assets | 3.2972% | 2,579 |
| Loan and lease loss provision to assets | 1.2953% | 575 |
| Net operating income to assets | 1.3015% | 1,313 |
| Return on assets (ROA) | 1.3015% | 1,391 |
| Pretax return on assets | 1.3040% | 2,128 |
| Return on Equity (ROE) | 8.6123% | 2,673 |
| Retained earnings to average equity (ytd only) | 8.1767% | 1,394 |
| Net charge-offs to loans | -0.0360% | 6,960 |
| Credit loss provision to net charge-offs | -4,740.9091% | 6,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9183% | 6,432 |
| Assets per employee ($millions) | 5.1835% | 1,892 |
| Cash dividends to net income (ytd only)* | 5.0573% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0663% | 2,191 |
| Loan loss allowance to noncurrent loans | 67.5337% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 2.3122% | 2,848 |
| Noncurrent loans to loans | 3.0597% | 2,366 |
| Net loans and leases to total assets | 74.0080% | 1,417 |
| Net loans and leases to deposits | 93.0182% | 946 |
| Net loans and leases to core deposits | 103.6162% | 1,069 |
| Total domestic deposits to total assets | 79.5630% | 5,940 |
| Equity capital to assets | 14.1694% | 1,038 |
| Core capital (leverage) ratio | 15.5182% | 575 |
| Tier 1 risk-based capital ratio | 18.9690% | 1,860 |
| Total risk-based capital ratio | 20.2298% | 1,818 |
| Memoranda: | ||
| Average total assets | $161,043,670 | 3,673 |
| Average earning assets | $146,248,670 | 3,684 |
| Average equity | $24,337,330 | 2,627 |
| Average total loans | $122,130,000 | 3,188 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6096% | 1,036 |
| Cost of funding earning assets | 1.1196% | 3,381 |
| Net interest margin | 4.4900% | 1,093 |
| Noninterest income to average assets | 2.0124% | 350 |
| Noninterest expense to average assets | 3.3836% | 2,322 |
| Loan and lease loss provision to assets | 1.4181% | 463 |
| Net operating income to assets | 1.2460% | 1,394 |
| Return on assets (ROA) | 1.2460% | 1,448 |
| Pretax return on assets | 1.2460% | 2,208 |
| Return on Equity (ROE) | 7.9600% | 2,929 |
| Retained earnings to average equity (ytd only) | 7.5104% | 1,933 |
| Net charge-offs to loans | -0.0377% | 6,794 |
| Credit loss provision to net charge-offs | -4,945.4545% | 6,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9483% | 6,513 |
| Assets per employee ($millions) | 5.8304% | 1,318 |
| Cash dividends to net income (ytd only)* | 5.6485% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8429% | 2,873 |
| Loan loss allowance to noncurrent loans | 63.0129% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 2.2602% | 2,992 |
| Noncurrent loans to loans | 2.9246% | 2,567 |
| Net loans and leases to total assets | 75.8572% | 1,046 |
| Net loans and leases to deposits | 96.3024% | 672 |
| Net loans and leases to core deposits | 107.1774% | 885 |
| Total domestic deposits to total assets | 78.7698% | 6,244 |
| Equity capital to assets | 15.4051% | 682 |
| Core capital (leverage) ratio | 15.9315% | 514 |
| Tier 1 risk-based capital ratio | 20.0494% | 1,579 |
| Total risk-based capital ratio | 21.3070% | 1,541 |
| Memoranda: | ||
| Average total assets | $153,446,000 | 3,823 |
| Average earning assets | $137,907,500 | 3,859 |
| Average equity | $24,020,000 | 2,637 |
| Average total loans | $116,603,500 | 3,325 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1247% | 3,978 |
| Cost of funding earning assets | 1.3189% | 3,758 |
| Net interest margin | 3.8059% | 3,916 |
| Noninterest income to average assets | 1.3793% | 766 |
| Noninterest expense to average assets | 3.1024% | 3,446 |
| Loan and lease loss provision to assets | 1.0355% | 1,559 |
| Net operating income to assets | 0.8049% | 2,779 |
| Return on assets (ROA) | 0.8860% | 2,580 |
| Pretax return on assets | 0.8874% | 3,344 |
| Return on Equity (ROE) | 6.3722% | 3,411 |
| Retained earnings to average equity (ytd only) | 6.3018% | 1,662 |
| Net charge-offs to loans | 0.6949% | 2,924 |
| Credit loss provision to net charge-offs | 201.9074% | 1,542 |
| Earnings coverage of net charge-offs (x) | 3.5913% | 3,293 |
| Efficiency ratio | 62.7473% | 5,569 |
| Assets per employee ($millions) | 5.5359% | 1,545 |
| Cash dividends to net income (ytd only)* | 1.1041% | 3,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5123% | 3,939 |
| Loan loss allowance to noncurrent loans | 43.2786% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 2.6079% | 2,671 |
| Noncurrent loans to loans | 3.4944% | 2,166 |
| Net loans and leases to total assets | 73.5010% | 1,768 |
| Net loans and leases to deposits | 96.2419% | 852 |
| Net loans and leases to core deposits | 107.7459% | 1,072 |
| Total domestic deposits to total assets | 76.3712% | 6,587 |
| Equity capital to assets | 15.9156% | 597 |
| Core capital (leverage) ratio | 16.3112% | 475 |
| Tier 1 risk-based capital ratio | 21.2745% | 1,280 |
| Total risk-based capital ratio | 22.5278% | 1,253 |
| Memoranda: | ||
| Average total assets | $143,115,400 | 4,006 |
| Average earning assets | $134,055,400 | 3,929 |
| Average equity | $19,899,000 | 3,158 |
| Average total loans | $105,630,600 | 3,639 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0119% | 4,755 |
| Cost of funding earning assets | 1.3513% | 3,893 |
| Net interest margin | 3.6606% | 4,592 |
| Noninterest income to average assets | 1.2134% | 946 |
| Noninterest expense to average assets | 3.0580% | 3,544 |
| Loan and lease loss provision to assets | 0.9543% | 1,562 |
| Net operating income to assets | 0.6727% | 3,534 |
| Return on assets (ROA) | 0.7819% | 3,239 |
| Pretax return on assets | 0.7838% | 3,971 |
| Return on Equity (ROE) | 5.8470% | 3,886 |
| Retained earnings to average equity (ytd only) | 5.8470% | 2,444 |
| Net charge-offs to loans | 0.3623% | 3,851 |
| Credit loss provision to net charge-offs | 357.9505% | 869 |
| Earnings coverage of net charge-offs (x) | 6.1096% | 2,598 |
| Efficiency ratio | 65.2462% | 5,009 |
| Assets per employee ($millions) | 5.4346% | 1,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5526% | 3,726 |
| Loan loss allowance to noncurrent loans | 103.2797% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 1.1013% | 4,908 |
| Noncurrent loans to loans | 1.5033% | 4,382 |
| Net loans and leases to total assets | 72.1205% | 2,229 |
| Net loans and leases to deposits | 96.0561% | 975 |
| Net loans and leases to core deposits | 105.9383% | 1,330 |
| Total domestic deposits to total assets | 75.0816% | 6,787 |
| Equity capital to assets | 16.0616% | 657 |
| Core capital (leverage) ratio | 16.5904% | 483 |
| Tier 1 risk-based capital ratio | 21.8380% | 1,231 |
| Total risk-based capital ratio | 23.0920% | 1,205 |
| Memoranda: | ||
| Average total assets | $141,526,750 | 4,087 |
| Average earning assets | $134,290,500 | 3,984 |
| Average equity | $18,926,500 | 3,333 |
| Average total loans | $104,151,000 | 3,732 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9257% | 5,285 |
| Cost of funding earning assets | 1.3832% | 3,987 |
| Net interest margin | 3.5425% | 5,080 |
| Noninterest income to average assets | 0.9300% | 1,583 |
| Noninterest expense to average assets | 3.0388% | 3,557 |
| Loan and lease loss provision to assets | 0.8198% | 1,763 |
| Net operating income to assets | 0.4249% | 4,635 |
| Return on assets (ROA) | 0.5909% | 4,057 |
| Pretax return on assets | 0.5937% | 4,583 |
| Return on Equity (ROE) | 4.7528% | 4,406 |
| Retained earnings to average equity (ytd only) | 4.7528% | 3,042 |
| Net charge-offs to loans | 0.1630% | 4,640 |
| Credit loss provision to net charge-offs | 682.1429% | 546 |
| Earnings coverage of net charge-offs (x) | 10.3810% | 1,897 |
| Efficiency ratio | 70.8945% | 4,003 |
| Assets per employee ($millions) | 6.4260% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3367% | 4,746 |
| Loan loss allowance to noncurrent loans | 75.2768% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 1.2835% | 4,582 |
| Noncurrent loans to loans | 1.7757% | 4,031 |
| Net loans and leases to total assets | 71.3156% | 2,589 |
| Net loans and leases to deposits | 90.9336% | 1,700 |
| Net loans and leases to core deposits | 101.3208% | 1,884 |
| Total domestic deposits to total assets | 78.4260% | 6,173 |
| Equity capital to assets | 12.0597% | 2,062 |
| Core capital (leverage) ratio | 12.4959% | 1,411 |
| Tier 1 risk-based capital ratio | 16.8046% | 2,362 |
| Total risk-based capital ratio | 18.0558% | 2,310 |
| Memoranda: | ||
| Average total assets | $139,790,670 | 4,142 |
| Average earning assets | $132,449,000 | 4,049 |
| Average equity | $17,379,330 | 3,572 |
| Average total loans | $103,036,330 | 3,805 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9209% | 5,350 |
| Cost of funding earning assets | 1.3806% | 4,304 |
| Net interest margin | 3.5403% | 4,990 |
| Noninterest income to average assets | 0.3034% | 5,727 |
| Noninterest expense to average assets | 3.0518% | 3,472 |
| Loan and lease loss provision to assets | 0.7512% | 1,692 |
| Net operating income to assets | -0.1532% | 6,485 |
| Return on assets (ROA) | 0.1885% | 5,850 |
| Pretax return on assets | 0.1885% | 5,907 |
| Return on Equity (ROE) | 1.4921% | 5,962 |
| Retained earnings to average equity (ytd only) | 1.4921% | 5,197 |
| Net charge-offs to loans | -0.0119% | 6,932 |
| Credit loss provision to net charge-offs | -8,500.0000% | 6,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6158% | 2,059 |
| Assets per employee ($millions) | 6.0996% | 1,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1383% | 5,828 |
| Loan loss allowance to noncurrent loans | 424.4681% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.2010% | 6,962 |
| Noncurrent loans to loans | 0.2682% | 6,786 |
| Net loans and leases to total assets | 74.1008% | 1,951 |
| Net loans and leases to deposits | 93.2525% | 1,441 |
| Net loans and leases to core deposits | 104.2761% | 1,717 |
| Total domestic deposits to total assets | 79.4625% | 5,968 |
| Equity capital to assets | 12.2439% | 1,905 |
| Core capital (leverage) ratio | 13.4241% | 1,101 |
| Tier 1 risk-based capital ratio | 15.6328% | 2,815 |
| Total risk-based capital ratio | 16.7160% | 2,834 |
| Memoranda: | ||
| Average total assets | $135,787,000 | 4,282 |
| Average earning assets | $128,349,500 | 4,186 |
| Average equity | $17,157,000 | 3,626 |
| Average total loans | $101,139,000 | 3,922 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6720% | 7,183 |
| Cost of funding earning assets | 2.6153% | 745 |
| Net interest margin | 2.0567% | 7,719 |
| Noninterest income to average assets | 1.1018% | 1,265 |
| Noninterest expense to average assets | 3.4735% | 2,445 |
| Loan and lease loss provision to assets | 0.4119% | 4,340 |
| Net operating income to assets | -0.8263% | 6,457 |
| Return on assets (ROA) | -0.8263% | 6,458 |
| Pretax return on assets | -0.8263% | 6,288 |
| Return on Equity (ROE) | -5.4669% | 6,261 |
| Retained earnings to average equity (ytd only) | -5.4669% | 6,084 |
| Net charge-offs to loans | 0.1980% | 5,411 |
| Credit loss provision to net charge-offs | 300.0000% | 1,104 |
| Earnings coverage of net charge-offs (x) | -3.0192% | 7,052 |
| Efficiency ratio | 113.5501% | 726 |
| Assets per employee ($millions) | 6.2516% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9668% | 6,549 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 73.2656% | 2,434 |
| Net loans and leases to deposits | 88.9623% | 2,395 |
| Net loans and leases to core deposits | 147.6060% | 569 |
| Total domestic deposits to total assets | 82.3558% | 4,790 |
| Equity capital to assets | 13.0534% | 1,491 |
| Core capital (leverage) ratio | 13.3320% | 1,147 |
| Tier 1 risk-based capital ratio | 17.6272% | 1,987 |
| Total risk-based capital ratio | 18.5900% | 2,030 |
| Memoranda: | ||
| Average total assets | $113,632,600 | 4,737 |
| Average earning assets | $108,133,600 | 4,625 |
| Average equity | $17,176,000 | 3,641 |
| Average total loans | $78,796,600 | 4,561 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4911% | 7,516 |
| Cost of funding earning assets | 2.7382% | 711 |
| Net interest margin | 1.7530% | 7,900 |
| Noninterest income to average assets | 0.9217% | 1,896 |
| Noninterest expense to average assets | 3.5292% | 2,203 |
| Loan and lease loss provision to assets | 0.4297% | 3,752 |
| Net operating income to assets | -1.3538% | 7,038 |
| Return on assets (ROA) | -1.3538% | 7,035 |
| Pretax return on assets | -1.3538% | 6,886 |
| Return on Equity (ROE) | -8.6038% | 6,778 |
| Retained earnings to average equity (ytd only) | -8.6038% | 6,668 |
| Net charge-offs to loans | 0.0449% | 6,280 |
| Credit loss provision to net charge-offs | 1,408.0000% | 277 |
| Earnings coverage of net charge-offs (x) | -30.2823% | 6,950 |
| Efficiency ratio | 135.4733% | 420 |
| Assets per employee ($millions) | 5.7527% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1362% | 5,502 |
| Loan loss allowance to noncurrent loans | 148.3670% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 6,195 |
| Noncurrent loans to loans | 0.7658% | 5,770 |
| Net loans and leases to total assets | 65.5923% | 4,513 |
| Net loans and leases to deposits | 80.7842% | 4,239 |
| Net loans and leases to core deposits | 177.3668% | 203 |
| Total domestic deposits to total assets | 81.1945% | 5,000 |
| Equity capital to assets | 13.3780% | 1,541 |
| Core capital (leverage) ratio | 14.2660% | 1,014 |
| Tier 1 risk-based capital ratio | 19.5008% | 1,646 |
| Total risk-based capital ratio | 20.5997% | 1,640 |
| Memoranda: | ||
| Average total assets | $109,219,750 | 4,876 |
| Average earning assets | $104,885,500 | 4,741 |
| Average equity | $17,185,750 | 3,668 |
| Average total loans | $74,214,500 | 4,764 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3226% | 7,765 |
| Cost of funding earning assets | 2.8899% | 625 |
| Net interest margin | 1.4328% | 8,032 |
| Noninterest income to average assets | 0.3906% | 5,375 |
| Noninterest expense to average assets | 3.6253% | 2,012 |
| Loan and lease loss provision to assets | 0.4466% | 3,303 |
| Net operating income to assets | -2.3144% | 7,519 |
| Return on assets (ROA) | -2.3144% | 7,513 |
| Pretax return on assets | -2.3144% | 7,375 |
| Return on Equity (ROE) | -13.8617% | 7,275 |
| Retained earnings to average equity (ytd only) | -13.8617% | 7,176 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 206.2706% | 183 |
| Assets per employee ($millions) | 5.3853% | 1,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 5,994 |
| Loan loss allowance to noncurrent loans | 429.0000% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 7,104 |
| Noncurrent loans to loans | 0.2410% | 6,913 |
| Net loans and leases to total assets | 72.6258% | 3,061 |
| Net loans and leases to deposits | 86.3732% | 3,485 |
| Net loans and leases to core deposits | 193.7762% | 145 |
| Total domestic deposits to total assets | 84.0838% | 3,716 |
| Equity capital to assets | 14.7048% | 1,105 |
| Core capital (leverage) ratio | 15.0328% | 910 |
| Tier 1 risk-based capital ratio | 19.3069% | 1,719 |
| Total risk-based capital ratio | 20.2905% | 1,722 |
| Memoranda: | ||
| Average total assets | $103,440,000 | 5,063 |
| Average earning assets | $98,689,670 | 4,931 |
| Average equity | $17,270,670 | 3,670 |
| Average total loans | $70,963,670 | 4,919 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0039% | 7,992 |
| Cost of funding earning assets | 2.8917% | 785 |
| Net interest margin | 1.1122% | 8,148 |
| Noninterest income to average assets | 0.2677% | 6,300 |
| Noninterest expense to average assets | 3.7033% | 1,651 |
| Loan and lease loss provision to assets | 0.3488% | 3,230 |
| Net operating income to assets | -2.7298% | 7,803 |
| Return on assets (ROA) | -2.7298% | 7,804 |
| Pretax return on assets | -2.7298% | 7,706 |
| Return on Equity (ROE) | -15.3033% | 7,612 |
| Retained earnings to average equity (ytd only) | -15.3033% | 7,450 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 280.0613% | 100 |
| Assets per employee ($millions) | 5.2377% | 1,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 6,079 |
| Loan loss allowance to noncurrent loans | 356.5000% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.1909% | 6,962 |
| Noncurrent loans to loans | 0.2848% | 6,725 |
| Net loans and leases to total assets | 66.3695% | 4,492 |
| Net loans and leases to deposits | 80.2595% | 4,568 |
| Net loans and leases to core deposits | 196.4787% | 151 |
| Total domestic deposits to total assets | 82.6936% | 4,290 |
| Equity capital to assets | 16.4730% | 799 |
| Core capital (leverage) ratio | 17.3499% | 616 |
| Tier 1 risk-based capital ratio | 20.2055% | 1,581 |
| Total risk-based capital ratio | 21.0351% | 1,613 |
| Memoranda: | ||
| Average total assets | $98,614,000 | 5,219 |
| Average earning assets | $93,508,500 | 5,103 |
| Average equity | $17,591,000 | 3,624 |
| Average total loans | $64,949,500 | 5,169 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0073% | 7,830 |
| Cost of funding earning assets | 1.7242% | 7,206 |
| Net interest margin | 3.2831% | 6,094 |
| Noninterest income to average assets | 0.1764% | 7,173 |
| Noninterest expense to average assets | 6.8842% | 291 |
| Loan and lease loss provision to assets | 1.0883% | 1,329 |
| Net operating income to assets | -4.7337% | 8,068 |
| Return on assets (ROA) | -4.9101% | 8,071 |
| Pretax return on assets | -4.9101% | 8,015 |
| Return on Equity (ROE) | -13.7581% | 7,533 |
| Retained earnings to average equity (ytd only) | -13.7581% | 7,388 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 212.5573% | 184 |
| Assets per employee ($millions) | 4.4036% | 2,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 5,618 |
| Loan loss allowance to noncurrent loans | 313.5000% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.2163% | 6,707 |
| Noncurrent loans to loans | 0.3352% | 6,376 |
| Net loans and leases to total assets | 63.8389% | 5,303 |
| Net loans and leases to deposits | 79.7372% | 5,091 |
| Net loans and leases to core deposits | 176.8839% | 320 |
| Total domestic deposits to total assets | 80.0616% | 4,995 |
| Equity capital to assets | 19.3847% | 508 |
| Core capital (leverage) ratio | 24.5261% | 273 |
| Tier 1 risk-based capital ratio | 23.7680% | 1,115 |
| Total risk-based capital ratio | 24.5942% | 1,133 |
| Memoranda: | ||
| Average total assets | $53,847,800 | 6,627 |
| Average earning assets | $50,227,000 | 6,581 |
| Average equity | $19,217,800 | 3,361 |
| Average total loans | $31,947,800 | 6,608 |