Home > BankTrust Financial > Performance and Condition Ratios
BankTrust Financial, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3224% | 435 |
| Cost of funding earning assets | 0.6272% | 1,556 |
| Net interest margin | 4.6951% | 525 |
| Noninterest income to average assets | 1.4377% | 588 |
| Noninterest expense to average assets | 4.5705% | 434 |
| Loan and lease loss provision to assets | 0.1162% | 2,234 |
| Net operating income to assets | 0.7181% | 3,802 |
| Return on assets (ROA) | 0.7181% | 3,910 |
| Pretax return on assets | 1.0651% | 3,229 |
| Return on Equity (ROE) | 6.2156% | 4,044 |
| Retained earnings to average equity (ytd only) | -1.9457% | 6,004 |
| Net charge-offs to loans | 0.1255% | 2,773 |
| Credit loss provision to net charge-offs | 127.2727% | 1,882 |
| Earnings coverage of net charge-offs (x) | 12.9421% | 2,323 |
| Efficiency ratio | 78.4787% | 2,138 |
| Assets per employee ($millions) | 2.9211% | 5,800 |
| Cash dividends to net income (ytd only)* | 131.3025% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1903% | 4,066 |
| Loan loss allowance to noncurrent loans | 68.2409% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 1.3017% | 2,161 |
| Noncurrent loans to loans | 1.7442% | 1,659 |
| Net loans and leases to total assets | 73.0068% | 1,754 |
| Net loans and leases to deposits | 93.3195% | 1,147 |
| Net loans and leases to core deposits | 103.7560% | 1,140 |
| Total domestic deposits to total assets | 78.2332% | 5,389 |
| Equity capital to assets | 11.4509% | 2,476 |
| Core capital (leverage) ratio | 9.1018% | 4,826 |
| Tier 1 risk-based capital ratio | 12.9455% | 4,754 |
| Total risk-based capital ratio | 14.1971% | 4,674 |
| Memoranda: | ||
| Average total assets | $132,568,600 | 3,931 |
| Average earning assets | $121,806,600 | 3,921 |
| Average equity | $15,316,200 | 3,779 |
| Average total loans | $96,391,000 | 3,491 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2953% | 444 |
| Cost of funding earning assets | 0.6402% | 1,526 |
| Net interest margin | 4.6551% | 557 |
| Noninterest income to average assets | 1.4282% | 618 |
| Noninterest expense to average assets | 3.9503% | 800 |
| Loan and lease loss provision to assets | 0.0753% | 2,837 |
| Net operating income to assets | 1.1241% | 1,950 |
| Return on assets (ROA) | 1.1241% | 2,016 |
| Pretax return on assets | 1.6861% | 1,094 |
| Return on Equity (ROE) | 9.7079% | 2,349 |
| Retained earnings to average equity (ytd only) | 2.7737% | 4,625 |
| Net charge-offs to loans | 0.1025% | 2,768 |
| Credit loss provision to net charge-offs | 101.3514% | 2,181 |
| Earnings coverage of net charge-offs (x) | 23.7172% | 1,577 |
| Efficiency ratio | 68.1778% | 3,826 |
| Assets per employee ($millions) | 3.0967% | 5,598 |
| Cash dividends to net income (ytd only)* | 71.4284% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 4,772 |
| Loan loss allowance to noncurrent loans | 68.2453% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 1.2227% | 2,516 |
| Noncurrent loans to loans | 1.6053% | 2,028 |
| Net loans and leases to total assets | 74.4741% | 1,445 |
| Net loans and leases to deposits | 98.3361% | 716 |
| Net loans and leases to core deposits | 113.0088% | 620 |
| Total domestic deposits to total assets | 75.7343% | 5,852 |
| Equity capital to assets | 11.4932% | 2,495 |
| Core capital (leverage) ratio | 9.6430% | 4,164 |
| Tier 1 risk-based capital ratio | 13.3470% | 4,645 |
| Total risk-based capital ratio | 14.5975% | 4,573 |
| Memoranda: | ||
| Average total assets | $132,848,750 | 3,957 |
| Average earning assets | $122,242,750 | 3,943 |
| Average equity | $15,382,250 | 3,788 |
| Average total loans | $96,208,250 | 3,523 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2899% | 437 |
| Cost of funding earning assets | 0.6524% | 1,496 |
| Net interest margin | 4.6375% | 546 |
| Noninterest income to average assets | 1.1707% | 850 |
| Noninterest expense to average assets | 3.9555% | 798 |
| Loan and lease loss provision to assets | 0.1746% | 1,399 |
| Net operating income to assets | 0.8701% | 2,957 |
| Return on assets (ROA) | 0.8701% | 3,047 |
| Pretax return on assets | 1.3043% | 2,239 |
| Return on Equity (ROE) | 7.4953% | 3,370 |
| Retained earnings to average equity (ytd only) | 0.9549% | 5,374 |
| Net charge-offs to loans | 0.1254% | 2,414 |
| Credit loss provision to net charge-offs | 194.9153% | 1,203 |
| Earnings coverage of net charge-offs (x) | 16.5085% | 1,788 |
| Efficiency ratio | 71.7519% | 3,389 |
| Assets per employee ($millions) | 2.7349% | 6,094 |
| Cash dividends to net income (ytd only)* | 87.2600% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 4,241 |
| Loan loss allowance to noncurrent loans | 121.1716% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.7557% | 3,706 |
| Noncurrent loans to loans | 1.0200% | 3,196 |
| Net loans and leases to total assets | 71.7665% | 1,786 |
| Net loans and leases to deposits | 87.2008% | 1,680 |
| Net loans and leases to core deposits | 98.2900% | 1,422 |
| Total domestic deposits to total assets | 82.3002% | 4,549 |
| Equity capital to assets | 11.7724% | 2,188 |
| Core capital (leverage) ratio | 9.6632% | 4,095 |
| Tier 1 risk-based capital ratio | 14.0823% | 4,207 |
| Total risk-based capital ratio | 15.3340% | 4,132 |
| Memoranda: | ||
| Average total assets | $131,713,670 | 3,999 |
| Average earning assets | $121,099,670 | 3,982 |
| Average equity | $15,289,670 | 3,803 |
| Average total loans | $94,078,330 | 3,590 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2464% | 449 |
| Cost of funding earning assets | 0.6562% | 1,546 |
| Net interest margin | 4.5902% | 566 |
| Noninterest income to average assets | 1.1006% | 921 |
| Noninterest expense to average assets | 3.8201% | 948 |
| Loan and lease loss provision to assets | 0.2244% | 1,000 |
| Net operating income to assets | 0.8216% | 3,047 |
| Return on assets (ROA) | 0.8216% | 3,118 |
| Pretax return on assets | 1.2764% | 2,192 |
| Return on Equity (ROE) | 7.1281% | 3,400 |
| Retained earnings to average equity (ytd only) | 0.5524% | 5,362 |
| Net charge-offs to loans | 0.1627% | 1,742 |
| Credit loss provision to net charge-offs | 194.7368% | 1,069 |
| Earnings coverage of net charge-offs (x) | 13.0263% | 1,685 |
| Efficiency ratio | 70.7123% | 3,702 |
| Assets per employee ($millions) | 2.7745% | 6,130 |
| Cash dividends to net income (ytd only)* | 92.2509% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 4,260 |
| Loan loss allowance to noncurrent loans | 105.9469% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 0.8528% | 3,597 |
| Noncurrent loans to loans | 1.2017% | 3,038 |
| Net loans and leases to total assets | 68.8622% | 2,077 |
| Net loans and leases to deposits | 83.9107% | 1,831 |
| Net loans and leases to core deposits | 93.9889% | 1,548 |
| Total domestic deposits to total assets | 82.0661% | 4,923 |
| Equity capital to assets | 11.7154% | 2,093 |
| Core capital (leverage) ratio | 9.4477% | 4,353 |
| Tier 1 risk-based capital ratio | 14.5278% | 3,996 |
| Total risk-based capital ratio | 15.7806% | 3,944 |
| Memoranda: | ||
| Average total assets | $131,934,000 | 4,033 |
| Average earning assets | $121,303,000 | 4,015 |
| Average equity | $15,207,500 | 3,828 |
| Average total loans | $93,423,000 | 3,623 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3870% | 449 |
| Cost of funding earning assets | 0.7656% | 1,408 |
| Net interest margin | 4.6214% | 585 |
| Noninterest income to average assets | 1.6808% | 510 |
| Noninterest expense to average assets | 4.1638% | 723 |
| Loan and lease loss provision to assets | 0.1883% | 1,962 |
| Net operating income to assets | 1.0822% | 1,992 |
| Return on assets (ROA) | 1.0838% | 2,060 |
| Pretax return on assets | 1.6003% | 1,166 |
| Return on Equity (ROE) | 9.6207% | 2,276 |
| Retained earnings to average equity (ytd only) | 0.5142% | 5,610 |
| Net charge-offs to loans | 0.2692% | 2,356 |
| Credit loss provision to net charge-offs | 98.7342% | 2,514 |
| Earnings coverage of net charge-offs (x) | 9.3671% | 2,516 |
| Efficiency ratio | 68.9655% | 4,025 |
| Assets per employee ($millions) | 3.0333% | 5,782 |
| Cash dividends to net income (ytd only)* | 94.6548% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 4,806 |
| Loan loss allowance to noncurrent loans | 117.5916% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.7298% | 4,055 |
| Noncurrent loans to loans | 0.9959% | 3,523 |
| Net loans and leases to total assets | 71.0048% | 1,838 |
| Net loans and leases to deposits | 87.7855% | 1,491 |
| Net loans and leases to core deposits | 98.3152% | 1,282 |
| Total domestic deposits to total assets | 80.8844% | 5,213 |
| Equity capital to assets | 11.3421% | 2,300 |
| Core capital (leverage) ratio | 9.2471% | 4,642 |
| Tier 1 risk-based capital ratio | 14.5616% | 3,927 |
| Total risk-based capital ratio | 15.8143% | 3,858 |
| Memoranda: | ||
| Average total assets | $124,285,600 | 4,175 |
| Average earning assets | $114,813,600 | 4,168 |
| Average equity | $14,001,000 | 4,074 |
| Average total loans | $88,036,200 | 3,732 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4627% | 395 |
| Cost of funding earning assets | 0.7930% | 1,368 |
| Net interest margin | 4.6697% | 543 |
| Noninterest income to average assets | 1.7258% | 516 |
| Noninterest expense to average assets | 4.1183% | 752 |
| Loan and lease loss provision to assets | 0.2000% | 1,815 |
| Net operating income to assets | 1.1498% | 1,815 |
| Return on assets (ROA) | 1.1498% | 1,889 |
| Pretax return on assets | 1.7258% | 1,046 |
| Return on Equity (ROE) | 10.2257% | 2,092 |
| Retained earnings to average equity (ytd only) | 2.6925% | 4,703 |
| Net charge-offs to loans | 0.2540% | 2,291 |
| Credit loss provision to net charge-offs | 111.5854% | 2,115 |
| Earnings coverage of net charge-offs (x) | 10.7439% | 2,325 |
| Efficiency ratio | 67.1248% | 4,279 |
| Assets per employee ($millions) | 3.2663% | 5,348 |
| Cash dividends to net income (ytd only)* | 73.6695% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 4,940 |
| Loan loss allowance to noncurrent loans | 161.7232% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.5429% | 4,820 |
| Noncurrent loans to loans | 0.7321% | 4,388 |
| Net loans and leases to total assets | 71.3583% | 1,718 |
| Net loans and leases to deposits | 89.5296% | 1,215 |
| Net loans and leases to core deposits | 100.1404% | 1,105 |
| Total domestic deposits to total assets | 79.7036% | 5,579 |
| Equity capital to assets | 11.5323% | 2,282 |
| Core capital (leverage) ratio | 9.3104% | 4,679 |
| Tier 1 risk-based capital ratio | 14.5986% | 4,018 |
| Total risk-based capital ratio | 15.8510% | 3,966 |
| Memoranda: | ||
| Average total assets | $121,990,250 | 4,277 |
| Average earning assets | $112,810,750 | 4,245 |
| Average equity | $13,716,750 | 4,174 |
| Average total loans | $86,072,500 | 3,807 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5050% | 370 |
| Cost of funding earning assets | 0.8319% | 1,249 |
| Net interest margin | 4.6731% | 532 |
| Noninterest income to average assets | 1.6490% | 591 |
| Noninterest expense to average assets | 4.1809% | 708 |
| Loan and lease loss provision to assets | 0.2068% | 1,826 |
| Net operating income to assets | 1.0575% | 2,088 |
| Return on assets (ROA) | 1.0575% | 2,202 |
| Pretax return on assets | 1.5930% | 1,390 |
| Return on Equity (ROE) | 9.4970% | 2,421 |
| Retained earnings to average equity (ytd only) | 1.8872% | 5,065 |
| Net charge-offs to loans | 0.2011% | 2,552 |
| Credit loss provision to net charge-offs | 146.9880% | 1,563 |
| Earnings coverage of net charge-offs (x) | 12.7952% | 1,951 |
| Efficiency ratio | 68.9997% | 4,007 |
| Assets per employee ($millions) | 3.3428% | 5,184 |
| Cash dividends to net income (ytd only)* | 80.1282% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2472% | 4,746 |
| Loan loss allowance to noncurrent loans | 160.4683% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.5721% | 4,819 |
| Noncurrent loans to loans | 0.7772% | 4,361 |
| Net loans and leases to total assets | 68.9883% | 2,064 |
| Net loans and leases to deposits | 83.0939% | 1,914 |
| Net loans and leases to core deposits | 92.9655% | 1,614 |
| Total domestic deposits to total assets | 83.0246% | 4,693 |
| Equity capital to assets | 11.4119% | 2,368 |
| Core capital (leverage) ratio | 9.4884% | 4,263 |
| Tier 1 risk-based capital ratio | 15.3929% | 3,533 |
| Total risk-based capital ratio | 16.6462% | 3,497 |
| Memoranda: | ||
| Average total assets | $118,013,670 | 4,389 |
| Average earning assets | $109,391,330 | 4,351 |
| Average equity | $13,141,000 | 4,317 |
| Average total loans | $82,527,330 | 3,914 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5486% | 342 |
| Cost of funding earning assets | 0.9098% | 945 |
| Net interest margin | 4.6388% | 530 |
| Noninterest income to average assets | 1.3689% | 822 |
| Noninterest expense to average assets | 4.3535% | 603 |
| Loan and lease loss provision to assets | 0.1489% | 2,391 |
| Net operating income to assets | 0.7915% | 3,214 |
| Return on assets (ROA) | 0.7915% | 3,345 |
| Pretax return on assets | 1.1800% | 2,648 |
| Return on Equity (ROE) | 7.2173% | 3,369 |
| Retained earnings to average equity (ytd only) | -1.0594% | 5,960 |
| Net charge-offs to loans | 0.2335% | 2,038 |
| Credit loss provision to net charge-offs | 91.1111% | 2,005 |
| Earnings coverage of net charge-offs (x) | 8.1333% | 1,974 |
| Efficiency ratio | 75.5911% | 2,992 |
| Assets per employee ($millions) | 3.5315% | 4,921 |
| Cash dividends to net income (ytd only)* | 114.6789% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2878% | 4,766 |
| Loan loss allowance to noncurrent loans | 67.4684% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 1.2394% | 3,489 |
| Noncurrent loans to loans | 1.9088% | 2,725 |
| Net loans and leases to total assets | 62.4410% | 2,978 |
| Net loans and leases to deposits | 74.2871% | 2,885 |
| Net loans and leases to core deposits | 83.3600% | 2,415 |
| Total domestic deposits to total assets | 84.0536% | 4,452 |
| Equity capital to assets | 11.2982% | 2,635 |
| Core capital (leverage) ratio | 9.2392% | 4,498 |
| Tier 1 risk-based capital ratio | 16.7950% | 2,861 |
| Total risk-based capital ratio | 18.0493% | 2,822 |
| Memoranda: | ||
| Average total assets | $110,165,000 | 4,612 |
| Average earning assets | $102,441,000 | 4,553 |
| Average equity | $12,082,000 | 4,556 |
| Average total loans | $77,086,000 | 4,096 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1043% | 233 |
| Cost of funding earning assets | 1.0110% | 1,298 |
| Net interest margin | 5.0933% | 327 |
| Noninterest income to average assets | 1.5148% | 684 |
| Noninterest expense to average assets | 4.1719% | 801 |
| Loan and lease loss provision to assets | 0.2698% | 2,491 |
| Net operating income to assets | 1.1500% | 1,768 |
| Return on assets (ROA) | 1.1500% | 1,936 |
| Pretax return on assets | 1.7693% | 976 |
| Return on Equity (ROE) | 10.3919% | 2,002 |
| Retained earnings to average equity (ytd only) | 1.2360% | 5,254 |
| Net charge-offs to loans | 0.2064% | 3,732 |
| Credit loss provision to net charge-offs | 163.8462% | 1,641 |
| Earnings coverage of net charge-offs (x) | 12.3846% | 1,930 |
| Efficiency ratio | 66.0889% | 4,487 |
| Assets per employee ($millions) | 2.8483% | 6,250 |
| Cash dividends to net income (ytd only)* | 88.1057% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6793% | 3,005 |
| Loan loss allowance to noncurrent loans | 76.4946% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.8366% | 2,667 |
| Noncurrent loans to loans | 2.1954% | 2,472 |
| Net loans and leases to total assets | 79.8111% | 492 |
| Net loans and leases to deposits | 100.4694% | 394 |
| Net loans and leases to core deposits | 112.6174% | 449 |
| Total domestic deposits to total assets | 79.4383% | 5,796 |
| Equity capital to assets | 10.4153% | 3,633 |
| Core capital (leverage) ratio | 8.2731% | 5,915 |
| Tier 1 risk-based capital ratio | 11.6043% | 6,028 |
| Total risk-based capital ratio | 12.8633% | 5,985 |
| Memoranda: | ||
| Average total assets | $78,956,000 | 5,385 |
| Average earning assets | $72,801,400 | 5,345 |
| Average equity | $8,737,600 | 5,291 |
| Average total loans | $62,992,600 | 4,600 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0937% | 250 |
| Cost of funding earning assets | 1.0215% | 1,444 |
| Net interest margin | 5.0723% | 358 |
| Noninterest income to average assets | 1.2830% | 900 |
| Noninterest expense to average assets | 3.9703% | 972 |
| Loan and lease loss provision to assets | 0.2614% | 2,484 |
| Net operating income to assets | 1.1275% | 1,996 |
| Return on assets (ROA) | 1.1275% | 2,192 |
| Pretax return on assets | 1.7340% | 1,194 |
| Return on Equity (ROE) | 10.0325% | 2,337 |
| Retained earnings to average equity (ytd only) | 3.1921% | 4,624 |
| Net charge-offs to loans | 0.1054% | 4,341 |
| Credit loss provision to net charge-offs | 312.2449% | 861 |
| Earnings coverage of net charge-offs (x) | 23.8373% | 1,302 |
| Efficiency ratio | 65.4066% | 4,557 |
| Assets per employee ($millions) | 3.3413% | 5,338 |
| Cash dividends to net income (ytd only)* | 68.1822% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7557% | 2,946 |
| Loan loss allowance to noncurrent loans | 76.0106% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.9378% | 2,733 |
| Noncurrent loans to loans | 2.3098% | 2,494 |
| Net loans and leases to total assets | 80.0367% | 501 |
| Net loans and leases to deposits | 102.7849% | 318 |
| Net loans and leases to core deposits | 113.9856% | 433 |
| Total domestic deposits to total assets | 77.8681% | 6,103 |
| Equity capital to assets | 11.0447% | 3,215 |
| Core capital (leverage) ratio | 9.0404% | 5,000 |
| Tier 1 risk-based capital ratio | 12.6502% | 5,525 |
| Total risk-based capital ratio | 13.9107% | 5,475 |
| Memoranda: | ||
| Average total assets | $78,045,000 | 5,460 |
| Average earning assets | $72,050,250 | 5,428 |
| Average equity | $8,771,250 | 5,333 |
| Average total loans | $61,978,250 | 4,684 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1031% | 257 |
| Cost of funding earning assets | 1.0284% | 1,591 |
| Net interest margin | 5.0747% | 356 |
| Noninterest income to average assets | 1.4199% | 713 |
| Noninterest expense to average assets | 3.7243% | 1,333 |
| Loan and lease loss provision to assets | 0.2923% | 2,243 |
| Net operating income to assets | 1.3915% | 1,208 |
| Return on assets (ROA) | 1.3915% | 1,352 |
| Pretax return on assets | 2.0872% | 588 |
| Return on Equity (ROE) | 12.3075% | 1,573 |
| Retained earnings to average equity (ytd only) | 12.3075% | 535 |
| Net charge-offs to loans | 0.1314% | 3,875 |
| Credit loss provision to net charge-offs | 282.5000% | 1,042 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,263 |
| Efficiency ratio | 59.8729% | 5,595 |
| Assets per employee ($millions) | 3.3838% | 5,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7855% | 2,903 |
| Loan loss allowance to noncurrent loans | 77.0718% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 1.9068% | 2,896 |
| Noncurrent loans to loans | 2.3167% | 2,582 |
| Net loans and leases to total assets | 78.8739% | 629 |
| Net loans and leases to deposits | 102.7089% | 314 |
| Net loans and leases to core deposits | 114.2086% | 441 |
| Total domestic deposits to total assets | 76.7937% | 6,362 |
| Equity capital to assets | 11.6269% | 2,467 |
| Core capital (leverage) ratio | 9.6347% | 3,944 |
| Tier 1 risk-based capital ratio | 13.1954% | 5,039 |
| Total risk-based capital ratio | 14.4553% | 5,010 |
| Memoranda: | ||
| Average total assets | $77,329,330 | 5,514 |
| Average earning assets | $71,373,000 | 5,482 |
| Average equity | $8,742,670 | 5,340 |
| Average total loans | $60,861,000 | 4,749 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1468% | 247 |
| Cost of funding earning assets | 1.0507% | 1,671 |
| Net interest margin | 5.0961% | 343 |
| Noninterest income to average assets | 1.4375% | 700 |
| Noninterest expense to average assets | 3.8765% | 1,095 |
| Loan and lease loss provision to assets | 0.2750% | 2,264 |
| Net operating income to assets | 1.9927% | 425 |
| Return on assets (ROA) | 1.9927% | 485 |
| Pretax return on assets | 1.9927% | 743 |
| Return on Equity (ROE) | 17.8823% | 562 |
| Retained earnings to average equity (ytd only) | 17.8823% | 262 |
| Net charge-offs to loans | 0.0533% | 3,968 |
| Credit loss provision to net charge-offs | 662.5000% | 524 |
| Earnings coverage of net charge-offs (x) | 54.6250% | 591 |
| Efficiency ratio | 61.9932% | 5,274 |
| Assets per employee ($millions) | 3.7378% | 4,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8244% | 2,909 |
| Loan loss allowance to noncurrent loans | 75.3463% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 1.8906% | 3,059 |
| Noncurrent loans to loans | 2.4214% | 2,685 |
| Net loans and leases to total assets | 74.5901% | 976 |
| Net loans and leases to deposits | 98.2811% | 431 |
| Net loans and leases to core deposits | 107.7696% | 616 |
| Total domestic deposits to total assets | 75.8947% | 6,554 |
| Equity capital to assets | 11.2354% | 2,687 |
| Core capital (leverage) ratio | 9.6400% | 3,859 |
| Tier 1 risk-based capital ratio | 13.2386% | 5,042 |
| Total risk-based capital ratio | 14.4979% | 5,010 |
| Memoranda: | ||
| Average total assets | $77,080,000 | 5,561 |
| Average earning assets | $71,191,500 | 5,525 |
| Average equity | $8,589,500 | 5,408 |
| Average total loans | $60,040,500 | 4,815 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9952% | 434 |
| Cost of funding earning assets | 1.2515% | 1,728 |
| Net interest margin | 4.7436% | 694 |
| Noninterest income to average assets | 1.4596% | 609 |
| Noninterest expense to average assets | 4.0063% | 1,029 |
| Loan and lease loss provision to assets | 0.6274% | 1,632 |
| Net operating income to assets | 1.9308% | 357 |
| Return on assets (ROA) | 1.9308% | 383 |
| Pretax return on assets | 1.1473% | 2,663 |
| Return on Equity (ROE) | 18.3781% | 358 |
| Retained earnings to average equity (ytd only) | 18.3781% | 69 |
| Net charge-offs to loans | 0.7693% | 2,232 |
| Credit loss provision to net charge-offs | 107.6167% | 3,141 |
| Earnings coverage of net charge-offs (x) | 3.0442% | 3,685 |
| Efficiency ratio | 67.9881% | 4,364 |
| Assets per employee ($millions) | 3.4394% | 5,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7255% | 3,106 |
| Loan loss allowance to noncurrent loans | 69.9062% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 2.0247% | 2,932 |
| Noncurrent loans to loans | 2.4684% | 2,668 |
| Net loans and leases to total assets | 78.5045% | 652 |
| Net loans and leases to deposits | 105.8576% | 252 |
| Net loans and leases to core deposits | 113.1208% | 536 |
| Total domestic deposits to total assets | 74.1605% | 6,701 |
| Equity capital to assets | 11.0484% | 2,936 |
| Core capital (leverage) ratio | 9.4808% | 4,054 |
| Tier 1 risk-based capital ratio | 12.7025% | 5,304 |
| Total risk-based capital ratio | 13.9607% | 5,276 |
| Memoranda: | ||
| Average total assets | $69,814,600 | 5,745 |
| Average earning assets | $63,601,200 | 5,748 |
| Average equity | $7,334,800 | 5,762 |
| Average total loans | $52,907,000 | 5,159 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9476% | 513 |
| Cost of funding earning assets | 1.3021% | 1,688 |
| Net interest margin | 4.6455% | 858 |
| Noninterest income to average assets | 1.5469% | 548 |
| Noninterest expense to average assets | 3.9715% | 1,039 |
| Loan and lease loss provision to assets | 0.6437% | 1,528 |
| Net operating income to assets | 1.1489% | 1,816 |
| Return on assets (ROA) | 1.1489% | 1,931 |
| Pretax return on assets | 1.1489% | 2,827 |
| Return on Equity (ROE) | 11.0943% | 1,836 |
| Retained earnings to average equity (ytd only) | 11.0943% | 617 |
| Net charge-offs to loans | 1.0583% | 1,503 |
| Credit loss provision to net charge-offs | 81.4815% | 4,099 |
| Earnings coverage of net charge-offs (x) | 2.2691% | 3,995 |
| Efficiency ratio | 67.5465% | 4,411 |
| Assets per employee ($millions) | 3.3382% | 5,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6337% | 3,513 |
| Loan loss allowance to noncurrent loans | 64.7099% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 2.4700% | 2,606 |
| Noncurrent loans to loans | 2.5246% | 2,746 |
| Net loans and leases to total assets | 76.8219% | 866 |
| Net loans and leases to deposits | 102.8044% | 359 |
| Net loans and leases to core deposits | 110.2711% | 663 |
| Total domestic deposits to total assets | 74.7263% | 6,675 |
| Equity capital to assets | 10.7230% | 3,451 |
| Core capital (leverage) ratio | 8.7169% | 5,378 |
| Tier 1 risk-based capital ratio | 11.6366% | 6,148 |
| Total risk-based capital ratio | 12.8928% | 6,138 |
| Memoranda: | ||
| Average total assets | $68,351,500 | 5,831 |
| Average earning assets | $62,051,500 | 5,840 |
| Average equity | $7,078,500 | 5,887 |
| Average total loans | $51,022,500 | 5,274 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8203% | 693 |
| Cost of funding earning assets | 1.3449% | 1,677 |
| Net interest margin | 4.4754% | 1,190 |
| Noninterest income to average assets | 1.2902% | 758 |
| Noninterest expense to average assets | 4.0447% | 982 |
| Loan and lease loss provision to assets | 0.6661% | 1,447 |
| Net operating income to assets | 0.6331% | 3,897 |
| Return on assets (ROA) | 0.6331% | 4,020 |
| Pretax return on assets | 0.6331% | 4,637 |
| Return on Equity (ROE) | 6.1940% | 3,863 |
| Retained earnings to average equity (ytd only) | 6.1940% | 2,302 |
| Net charge-offs to loans | 1.4802% | 1,004 |
| Credit loss provision to net charge-offs | 61.3260% | 4,308 |
| Earnings coverage of net charge-offs (x) | 1.1961% | 4,386 |
| Efficiency ratio | 74.1718% | 3,336 |
| Assets per employee ($millions) | 3.2284% | 5,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6473% | 3,509 |
| Loan loss allowance to noncurrent loans | 69.7600% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 2.8314% | 2,368 |
| Noncurrent loans to loans | 2.3614% | 3,029 |
| Net loans and leases to total assets | 73.3010% | 1,536 |
| Net loans and leases to deposits | 91.6536% | 1,096 |
| Net loans and leases to core deposits | 105.8601% | 939 |
| Total domestic deposits to total assets | 79.9761% | 5,830 |
| Equity capital to assets | 10.0246% | 4,115 |
| Core capital (leverage) ratio | 8.3681% | 5,754 |
| Tier 1 risk-based capital ratio | 11.4602% | 6,196 |
| Total risk-based capital ratio | 12.7165% | 6,183 |
| Memoranda: | ||
| Average total assets | $66,655,330 | 5,936 |
| Average earning assets | $60,375,000 | 5,944 |
| Average equity | $6,813,000 | 5,979 |
| Average total loans | $48,911,670 | 5,398 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5446% | 1,187 |
| Cost of funding earning assets | 1.2905% | 2,240 |
| Net interest margin | 4.2540% | 1,732 |
| Noninterest income to average assets | 1.2781% | 780 |
| Noninterest expense to average assets | 4.1818% | 833 |
| Loan and lease loss provision to assets | 0.0745% | 5,067 |
| Net operating income to assets | 0.8872% | 2,631 |
| Return on assets (ROA) | 0.8872% | 2,697 |
| Pretax return on assets | 0.8872% | 3,556 |
| Return on Equity (ROE) | 8.5892% | 2,660 |
| Retained earnings to average equity (ytd only) | 8.5892% | 1,524 |
| Net charge-offs to loans | 0.1279% | 3,750 |
| Credit loss provision to net charge-offs | 80.0000% | 3,159 |
| Earnings coverage of net charge-offs (x) | 10.3333% | 1,644 |
| Efficiency ratio | 80.2171% | 2,490 |
| Assets per employee ($millions) | 3.2330% | 5,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1423% | 2,095 |
| Loan loss allowance to noncurrent loans | 68.6862% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 3.3287% | 2,042 |
| Noncurrent loans to loans | 3.1189% | 2,407 |
| Net loans and leases to total assets | 67.8867% | 2,573 |
| Net loans and leases to deposits | 85.4502% | 1,808 |
| Net loans and leases to core deposits | 98.6854% | 1,459 |
| Total domestic deposits to total assets | 79.4459% | 6,072 |
| Equity capital to assets | 9.8934% | 3,909 |
| Core capital (leverage) ratio | 9.3854% | 3,986 |
| Tier 1 risk-based capital ratio | 12.0335% | 5,662 |
| Total risk-based capital ratio | 13.2954% | 5,641 |
| Memoranda: | ||
| Average total assets | $64,470,500 | 6,046 |
| Average earning assets | $58,580,000 | 6,045 |
| Average equity | $6,659,500 | 6,038 |
| Average total loans | $46,900,500 | 5,525 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6435% | 1,763 |
| Cost of funding earning assets | 1.8033% | 1,162 |
| Net interest margin | 3.8402% | 3,776 |
| Noninterest income to average assets | 1.3880% | 755 |
| Noninterest expense to average assets | 4.1641% | 946 |
| Loan and lease loss provision to assets | 1.7867% | 773 |
| Net operating income to assets | -1.0895% | 6,734 |
| Return on assets (ROA) | -1.0895% | 6,762 |
| Pretax return on assets | -1.0895% | 6,688 |
| Return on Equity (ROE) | -11.1407% | 6,779 |
| Retained earnings to average equity (ytd only) | -11.1407% | 6,721 |
| Net charge-offs to loans | 1.0863% | 2,050 |
| Credit loss provision to net charge-offs | 220.5882% | 1,360 |
| Earnings coverage of net charge-offs (x) | 0.8608% | 5,273 |
| Efficiency ratio | 83.9268% | 1,928 |
| Assets per employee ($millions) | 3.0524% | 5,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1670% | 1,930 |
| Loan loss allowance to noncurrent loans | 80.7018% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 3.3728% | 2,077 |
| Noncurrent loans to loans | 2.6852% | 2,836 |
| Net loans and leases to total assets | 74.8423% | 1,509 |
| Net loans and leases to deposits | 87.5168% | 1,857 |
| Net loans and leases to core deposits | 109.4269% | 953 |
| Total domestic deposits to total assets | 85.5177% | 3,590 |
| Equity capital to assets | 10.8146% | 2,845 |
| Core capital (leverage) ratio | 9.3781% | 3,884 |
| Tier 1 risk-based capital ratio | 11.8362% | 5,625 |
| Total risk-based capital ratio | 13.0991% | 5,606 |
| Memoranda: | ||
| Average total assets | $62,966,400 | 6,090 |
| Average earning assets | $56,950,600 | 6,097 |
| Average equity | $6,157,600 | 6,318 |
| Average total loans | $46,949,200 | 5,600 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4875% | 2,479 |
| Cost of funding earning assets | 1.9205% | 960 |
| Net interest margin | 3.5670% | 5,033 |
| Noninterest income to average assets | 0.5527% | 3,771 |
| Noninterest expense to average assets | 3.2594% | 2,711 |
| Loan and lease loss provision to assets | 2.2317% | 498 |
| Net operating income to assets | -1.7106% | 7,164 |
| Return on assets (ROA) | -1.7106% | 7,177 |
| Pretax return on assets | -1.7106% | 7,108 |
| Return on Equity (ROE) | -17.9494% | 7,179 |
| Retained earnings to average equity (ytd only) | -17.9494% | 7,160 |
| Net charge-offs to loans | 1.4436% | 1,408 |
| Credit loss provision to net charge-offs | 208.6444% | 1,690 |
| Earnings coverage of net charge-offs (x) | 0.4872% | 5,535 |
| Efficiency ratio | 86.2146% | 1,610 |
| Assets per employee ($millions) | 3.3862% | 5,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0705% | 2,068 |
| Loan loss allowance to noncurrent loans | 47.4763% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 3.5142% | 2,027 |
| Noncurrent loans to loans | 4.3612% | 1,668 |
| Net loans and leases to total assets | 73.7170% | 1,857 |
| Net loans and leases to deposits | 84.9184% | 2,531 |
| Net loans and leases to core deposits | 104.8588% | 1,409 |
| Total domestic deposits to total assets | 86.8093% | 2,642 |
| Equity capital to assets | 11.0858% | 2,869 |
| Core capital (leverage) ratio | 8.6227% | 5,310 |
| Tier 1 risk-based capital ratio | 11.6465% | 5,791 |
| Total risk-based capital ratio | 12.9067% | 5,761 |
| Memoranda: | ||
| Average total assets | $63,446,250 | 6,145 |
| Average earning assets | $57,414,250 | 6,149 |
| Average equity | $6,046,500 | 6,433 |
| Average total loans | $47,011,250 | 5,675 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3236% | 3,354 |
| Cost of funding earning assets | 1.9817% | 952 |
| Net interest margin | 3.3419% | 5,867 |
| Noninterest income to average assets | 0.1742% | 6,658 |
| Noninterest expense to average assets | 3.3293% | 2,466 |
| Loan and lease loss provision to assets | 2.8470% | 362 |
| Net operating income to assets | -2.9902% | 7,510 |
| Return on assets (ROA) | -2.9902% | 7,517 |
| Pretax return on assets | -2.9902% | 7,464 |
| Return on Equity (ROE) | -33.0828% | 7,470 |
| Retained earnings to average equity (ytd only) | -33.0828% | 7,461 |
| Net charge-offs to loans | 1.7051% | 1,097 |
| Credit loss provision to net charge-offs | 226.4851% | 1,710 |
| Earnings coverage of net charge-offs (x) | -0.1139% | 5,813 |
| Efficiency ratio | 104.4922% | 670 |
| Assets per employee ($millions) | 3.3154% | 5,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9620% | 2,278 |
| Loan loss allowance to noncurrent loans | 71.1599% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 3.4083% | 2,065 |
| Noncurrent loans to loans | 2.7571% | 2,899 |
| Net loans and leases to total assets | 72.0271% | 2,397 |
| Net loans and leases to deposits | 82.1852% | 3,241 |
| Net loans and leases to core deposits | 114.1865% | 912 |
| Total domestic deposits to total assets | 87.6399% | 2,188 |
| Equity capital to assets | 10.2980% | 3,653 |
| Core capital (leverage) ratio | 8.1791% | 5,977 |
| Tier 1 risk-based capital ratio | 10.8912% | 6,357 |
| Total risk-based capital ratio | 12.1486% | 6,334 |
| Memoranda: | ||
| Average total assets | $64,277,670 | 6,173 |
| Average earning assets | $57,930,330 | 6,172 |
| Average equity | $5,809,670 | 6,526 |
| Average total loans | $47,387,670 | 5,703 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2426% | 3,819 |
| Cost of funding earning assets | 2.0027% | 1,075 |
| Net interest margin | 3.2399% | 6,167 |
| Noninterest income to average assets | 0.5669% | 3,509 |
| Noninterest expense to average assets | 3.3087% | 2,507 |
| Loan and lease loss provision to assets | 2.7850% | 367 |
| Net operating income to assets | -2.6063% | 7,578 |
| Return on assets (ROA) | -2.6063% | 7,578 |
| Pretax return on assets | -2.6063% | 7,532 |
| Return on Equity (ROE) | -30.9267% | 7,586 |
| Retained earnings to average equity (ytd only) | -30.9267% | 7,564 |
| Net charge-offs to loans | 2.9119% | 531 |
| Credit loss provision to net charge-offs | 129.5129% | 2,731 |
| Earnings coverage of net charge-offs (x) | 0.0831% | 4,960 |
| Efficiency ratio | 94.8763% | 1,085 |
| Assets per employee ($millions) | 3.3105% | 5,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 6,360 |
| Loan loss allowance to noncurrent loans | 88.6654% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 2.5374% | 2,863 |
| Noncurrent loans to loans | 1.1509% | 5,067 |
| Net loans and leases to total assets | 71.0508% | 2,685 |
| Net loans and leases to deposits | 78.7274% | 3,898 |
| Net loans and leases to core deposits | 109.5758% | 1,311 |
| Total domestic deposits to total assets | 90.2491% | 861 |
| Equity capital to assets | 7.9279% | 6,729 |
| Core capital (leverage) ratio | 6.3442% | 7,519 |
| Tier 1 risk-based capital ratio | 8.2524% | 7,588 |
| Total risk-based capital ratio | 9.2837% | 7,618 |
| Memoranda: | ||
| Average total assets | $64,920,000 | 6,213 |
| Average earning assets | $58,521,000 | 6,226 |
| Average equity | $5,471,000 | 6,685 |
| Average total loans | $47,941,500 | 5,761 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6940% | 3,132 |
| Cost of funding earning assets | 2.2331% | 1,887 |
| Net interest margin | 3.4609% | 5,124 |
| Noninterest income to average assets | 0.5959% | 3,659 |
| Noninterest expense to average assets | 3.3722% | 2,771 |
| Loan and lease loss provision to assets | 0.2809% | 5,175 |
| Net operating income to assets | 0.1350% | 5,095 |
| Return on assets (ROA) | 0.1944% | 4,987 |
| Pretax return on assets | 0.1944% | 5,015 |
| Return on Equity (ROE) | 2.1373% | 4,851 |
| Retained earnings to average equity (ytd only) | 2.1373% | 3,608 |
| Net charge-offs to loans | 0.1376% | 5,841 |
| Credit loss provision to net charge-offs | 260.0000% | 1,349 |
| Earnings coverage of net charge-offs (x) | 3.8500% | 3,173 |
| Efficiency ratio | 89.0209% | 1,794 |
| Assets per employee ($millions) | 3.7430% | 4,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7900% | 7,156 |
| Loan loss allowance to noncurrent loans | 49.4179% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 2.0446% | 3,344 |
| Noncurrent loans to loans | 1.5986% | 4,259 |
| Net loans and leases to total assets | 75.3941% | 1,946 |
| Net loans and leases to deposits | 86.1803% | 2,883 |
| Net loans and leases to core deposits | 131.7279% | 1,186 |
| Total domestic deposits to total assets | 87.4841% | 2,226 |
| Equity capital to assets | 8.9469% | 5,222 |
| Core capital (leverage) ratio | 7.5818% | 6,704 |
| Tier 1 risk-based capital ratio | 9.2240% | 7,368 |
| Total risk-based capital ratio | 10.0542% | 7,561 |
| Memoranda: | ||
| Average total assets | $55,542,000 | 6,509 |
| Average earning assets | $51,229,600 | 6,487 |
| Average equity | $5,053,000 | 6,921 |
| Average total loans | $43,597,800 | 5,949 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7429% | 3,125 |
| Cost of funding earning assets | 2.3101% | 1,942 |
| Net interest margin | 3.4328% | 5,139 |
| Noninterest income to average assets | 0.6253% | 3,525 |
| Noninterest expense to average assets | 3.2735% | 3,017 |
| Loan and lease loss provision to assets | 0.3239% | 4,396 |
| Net operating income to assets | 0.2118% | 5,110 |
| Return on assets (ROA) | 0.2940% | 4,925 |
| Pretax return on assets | 0.2940% | 5,081 |
| Return on Equity (ROE) | 3.2154% | 4,694 |
| Retained earnings to average equity (ytd only) | 3.2154% | 3,518 |
| Net charge-offs to loans | 0.1855% | 4,906 |
| Credit loss provision to net charge-offs | 220.3390% | 1,993 |
| Earnings coverage of net charge-offs (x) | 3.6443% | 3,440 |
| Efficiency ratio | 85.9385% | 2,070 |
| Assets per employee ($millions) | 3.3755% | 5,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7806% | 7,181 |
| Loan loss allowance to noncurrent loans | 46.7277% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 2.2951% | 2,982 |
| Noncurrent loans to loans | 1.6705% | 4,141 |
| Net loans and leases to total assets | 79.0760% | 1,373 |
| Net loans and leases to deposits | 90.4447% | 2,495 |
| Net loans and leases to core deposits | 143.0909% | 794 |
| Total domestic deposits to total assets | 87.4303% | 1,934 |
| Equity capital to assets | 8.6087% | 6,103 |
| Core capital (leverage) ratio | 8.8661% | 4,877 |
| Tier 1 risk-based capital ratio | 11.1805% | 5,779 |
| Total risk-based capital ratio | 12.0255% | 6,150 |
| Memoranda: | ||
| Average total assets | $53,519,750 | 6,621 |
| Average earning assets | $49,637,000 | 6,588 |
| Average equity | $4,893,000 | 7,043 |
| Average total loans | $42,408,250 | 6,050 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7813% | 3,133 |
| Cost of funding earning assets | 2.3999% | 1,970 |
| Net interest margin | 3.3814% | 5,248 |
| Noninterest income to average assets | 0.5514% | 4,028 |
| Noninterest expense to average assets | 3.2662% | 3,096 |
| Loan and lease loss provision to assets | 0.3293% | 3,963 |
| Net operating income to assets | 0.0957% | 5,578 |
| Return on assets (ROA) | 0.0957% | 5,674 |
| Pretax return on assets | 0.0957% | 5,686 |
| Return on Equity (ROE) | 1.0252% | 5,629 |
| Retained earnings to average equity (ytd only) | 1.0252% | 4,758 |
| Net charge-offs to loans | 0.1598% | 4,601 |
| Credit loss provision to net charge-offs | 260.6061% | 1,789 |
| Earnings coverage of net charge-offs (x) | 3.3636% | 3,461 |
| Efficiency ratio | 88.4855% | 1,950 |
| Assets per employee ($millions) | 3.2412% | 5,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7689% | 7,256 |
| Loan loss allowance to noncurrent loans | 155.5046% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 1.3539% | 4,245 |
| Noncurrent loans to loans | 0.4945% | 6,290 |
| Net loans and leases to total assets | 79.3978% | 1,433 |
| Net loans and leases to deposits | 92.2022% | 2,430 |
| Net loans and leases to core deposits | 145.2442% | 785 |
| Total domestic deposits to total assets | 86.1128% | 2,729 |
| Equity capital to assets | 8.8492% | 5,524 |
| Core capital (leverage) ratio | 9.1294% | 4,415 |
| Tier 1 risk-based capital ratio | 11.2933% | 5,604 |
| Total risk-based capital ratio | 12.1214% | 5,948 |
| Memoranda: | ||
| Average total assets | $52,231,670 | 6,736 |
| Average earning assets | $48,501,330 | 6,691 |
| Average equity | $4,877,330 | 7,109 |
| Average total loans | $41,299,670 | 6,144 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7525% | 3,515 |
| Cost of funding earning assets | 2.5511% | 1,737 |
| Net interest margin | 3.2015% | 5,851 |
| Noninterest income to average assets | 0.4961% | 4,355 |
| Noninterest expense to average assets | 3.1734% | 3,098 |
| Loan and lease loss provision to assets | 0.1654% | 4,814 |
| Net operating income to assets | 0.1417% | 5,852 |
| Return on assets (ROA) | 0.1417% | 6,020 |
| Pretax return on assets | 0.1417% | 6,071 |
| Return on Equity (ROE) | 1.4760% | 5,975 |
| Retained earnings to average equity (ytd only) | 1.4760% | 5,026 |
| Net charge-offs to loans | -0.0100% | 7,275 |
| Credit loss provision to net charge-offs | -2,100.0000% | 6,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1765% | 1,635 |
| Assets per employee ($millions) | 3.2298% | 5,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7522% | 7,305 |
| Loan loss allowance to noncurrent loans | 47.7519% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 1.2482% | 4,187 |
| Noncurrent loans to loans | 1.5752% | 3,918 |
| Net loans and leases to total assets | 78.6400% | 1,659 |
| Net loans and leases to deposits | 89.2829% | 3,052 |
| Net loans and leases to core deposits | 143.8870% | 936 |
| Total domestic deposits to total assets | 88.0796% | 1,716 |
| Equity capital to assets | 9.4473% | 4,748 |
| Core capital (leverage) ratio | 9.2726% | 4,280 |
| Tier 1 risk-based capital ratio | 11.9426% | 5,010 |
| Total risk-based capital ratio | 12.7428% | 5,318 |
| Memoranda: | ||
| Average total assets | $50,797,000 | 6,829 |
| Average earning assets | $47,353,000 | 6,774 |
| Average equity | $4,878,000 | 7,160 |
| Average total loans | $39,905,500 | 6,244 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5467% | 2,734 |
| Cost of funding earning assets | 2.9421% | 2,088 |
| Net interest margin | 3.6046% | 4,869 |
| Noninterest income to average assets | 0.5510% | 4,224 |
| Noninterest expense to average assets | 3.3733% | 2,753 |
| Loan and lease loss provision to assets | 0.1349% | 5,629 |
| Net operating income to assets | 0.3711% | 5,268 |
| Return on assets (ROA) | 0.3711% | 5,076 |
| Pretax return on assets | 0.3711% | 5,331 |
| Return on Equity (ROE) | 3.4787% | 5,047 |
| Retained earnings to average equity (ytd only) | 3.4787% | 2,976 |
| Net charge-offs to loans | 0.0743% | 5,700 |
| Credit loss provision to net charge-offs | 230.7692% | 2,063 |
| Earnings coverage of net charge-offs (x) | 8.6538% | 2,843 |
| Efficiency ratio | 86.9565% | 1,769 |
| Assets per employee ($millions) | 3.1199% | 5,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7359% | 7,340 |
| Loan loss allowance to noncurrent loans | 44.4790% | 5,787 |
| Noncurrent assets plus other real estate owned to assets | 1.2881% | 3,649 |
| Noncurrent loans to loans | 1.6544% | 3,290 |
| Net loans and leases to total assets | 77.2847% | 2,311 |
| Net loans and leases to deposits | 92.4291% | 3,064 |
| Net loans and leases to core deposits | 147.1133% | 973 |
| Total domestic deposits to total assets | 83.6151% | 3,522 |
| Equity capital to assets | 9.7640% | 4,339 |
| Core capital (leverage) ratio | 10.2078% | 3,255 |
| Tier 1 risk-based capital ratio | 12.3728% | 4,527 |
| Total risk-based capital ratio | 13.1481% | 4,805 |
| Memoranda: | ||
| Average total assets | $44,466,200 | 7,008 |
| Average earning assets | $41,058,600 | 6,991 |
| Average equity | $4,743,200 | 7,232 |
| Average total loans | $35,010,400 | 6,426 |