Home > Brimfield Bank > Performance and Condition Ratios
Brimfield Bank, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4619% | 4,958 |
| Cost of funding earning assets | 0.3325% | 3,768 |
| Net interest margin | 3.1294% | 4,753 |
| Noninterest income to average assets | 0.9147% | 1,329 |
| Noninterest expense to average assets | 7.0545% | 133 |
| Loan and lease loss provision to assets | -0.2589% | 5,963 |
| Net operating income to assets | -2.0430% | 6,017 |
| Return on assets (ROA) | -2.1271% | 6,019 |
| Pretax return on assets | -3.2490% | 6,034 |
| Return on Equity (ROE) | -19.4311% | 6,012 |
| Retained earnings to average equity (ytd only) | -19.4311% | 5,967 |
| Net charge-offs to loans | -0.6003% | 5,959 |
| Credit loss provision to net charge-offs | 70.5882% | 2,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 191.9014% | 18 |
| Assets per employee ($millions) | 3.3468% | 4,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3750% | 2,413 |
| Loan loss allowance to noncurrent loans | 112.8527% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.7332% | 2,787 |
| Noncurrent loans to loans | 1.2184% | 1,883 |
| Net loans and leases to total assets | 59.3477% | 3,971 |
| Net loans and leases to deposits | 67.0902% | 4,258 |
| Net loans and leases to core deposits | 69.7318% | 4,342 |
| Total domestic deposits to total assets | 88.4596% | 1,188 |
| Equity capital to assets | 10.9658% | 3,100 |
| Core capital (leverage) ratio | 9.9688% | 3,600 |
| Tier 1 risk-based capital ratio | 20.0492% | 1,455 |
| Total risk-based capital ratio | 21.3038% | 1,414 |
| Memoranda: | ||
| Average total assets | $46,353,330 | 5,536 |
| Average earning assets | $40,902,670 | 5,565 |
| Average equity | $5,074,330 | 5,568 |
| Average total loans | $28,319,670 | 5,356 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3152% | 5,294 |
| Cost of funding earning assets | 0.3149% | 4,008 |
| Net interest margin | 3.0003% | 5,118 |
| Noninterest income to average assets | 0.6447% | 2,294 |
| Noninterest expense to average assets | 3.6587% | 948 |
| Loan and lease loss provision to assets | -0.3684% | 6,063 |
| Net operating income to assets | 0.2344% | 5,467 |
| Return on assets (ROA) | 0.1005% | 5,724 |
| Pretax return on assets | 0.0921% | 5,744 |
| Return on Equity (ROE) | 0.9185% | 5,708 |
| Retained earnings to average equity (ytd only) | 0.9185% | 4,870 |
| Net charge-offs to loans | -0.9391% | 6,040 |
| Credit loss provision to net charge-offs | 63.7681% | 1,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0476% | 213 |
| Assets per employee ($millions) | 3.4996% | 4,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 3,155 |
| Loan loss allowance to noncurrent loans | 187.5000% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3919% | 4,022 |
| Noncurrent loans to loans | 0.6687% | 3,169 |
| Net loans and leases to total assets | 57.8671% | 4,055 |
| Net loans and leases to deposits | 64.9188% | 4,349 |
| Net loans and leases to core deposits | 70.3349% | 4,221 |
| Total domestic deposits to total assets | 89.1377% | 1,026 |
| Equity capital to assets | 10.7419% | 3,212 |
| Core capital (leverage) ratio | 11.1560% | 2,260 |
| Tier 1 risk-based capital ratio | 21.5132% | 1,231 |
| Total risk-based capital ratio | 22.7679% | 1,207 |
| Memoranda: | ||
| Average total assets | $47,776,000 | 5,557 |
| Average earning assets | $45,729,000 | 5,500 |
| Average equity | $5,226,000 | 5,574 |
| Average total loans | $29,389,000 | 5,358 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5163% | 4,877 |
| Cost of funding earning assets | 0.3367% | 3,829 |
| Net interest margin | 3.1796% | 4,687 |
| Noninterest income to average assets | 1.3088% | 709 |
| Noninterest expense to average assets | 4.1618% | 561 |
| Loan and lease loss provision to assets | -0.5982% | 6,141 |
| Net operating income to assets | 0.6812% | 3,901 |
| Return on assets (ROA) | 0.8209% | 3,321 |
| Pretax return on assets | 0.9270% | 3,738 |
| Return on Equity (ROE) | 7.6944% | 3,136 |
| Retained earnings to average equity (ytd only) | 7.6944% | 1,018 |
| Net charge-offs to loans | -0.1415% | 5,877 |
| Credit loss provision to net charge-offs | 626.6667% | 539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0352% | 395 |
| Assets per employee ($millions) | 3.1038% | 5,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 3,969 |
| Loan loss allowance to noncurrent loans | 985.2941% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.0730% | 5,342 |
| Noncurrent loans to loans | 0.1131% | 5,048 |
| Net loans and leases to total assets | 63.8594% | 3,306 |
| Net loans and leases to deposits | 71.9827% | 3,719 |
| Net loans and leases to core deposits | 79.4012% | 3,405 |
| Total domestic deposits to total assets | 88.7149% | 1,278 |
| Equity capital to assets | 11.1455% | 2,682 |
| Core capital (leverage) ratio | 11.3875% | 2,051 |
| Tier 1 risk-based capital ratio | 19.4611% | 1,592 |
| Total risk-based capital ratio | 20.7107% | 1,559 |
| Memoranda: | ||
| Average total assets | $47,143,200 | 5,607 |
| Average earning assets | $44,848,200 | 5,559 |
| Average equity | $5,029,600 | 5,648 |
| Average total loans | $31,792,800 | 5,304 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5660% | 4,830 |
| Cost of funding earning assets | 0.3379% | 3,887 |
| Net interest margin | 3.2281% | 4,584 |
| Noninterest income to average assets | 1.4407% | 600 |
| Noninterest expense to average assets | 4.3447% | 462 |
| Loan and lease loss provision to assets | -0.7894% | 6,249 |
| Net operating income to assets | 0.9642% | 2,646 |
| Return on assets (ROA) | 1.1729% | 1,813 |
| Pretax return on assets | 1.1644% | 2,949 |
| Return on Equity (ROE) | 11.1158% | 1,664 |
| Retained earnings to average equity (ytd only) | 11.1158% | 459 |
| Net charge-offs to loans | -0.1697% | 5,952 |
| Credit loss provision to net charge-offs | 682.9268% | 497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3125% | 407 |
| Assets per employee ($millions) | 3.0089% | 5,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 4,483 |
| Loan loss allowance to noncurrent loans | 36.0780% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 1.9172% | 1,086 |
| Noncurrent loans to loans | 2.9034% | 625 |
| Net loans and leases to total assets | 65.3421% | 3,103 |
| Net loans and leases to deposits | 77.0571% | 3,189 |
| Net loans and leases to core deposits | 85.1109% | 2,943 |
| Total domestic deposits to total assets | 84.7971% | 3,097 |
| Equity capital to assets | 10.9406% | 3,089 |
| Core capital (leverage) ratio | 11.2532% | 2,245 |
| Tier 1 risk-based capital ratio | 18.4204% | 1,923 |
| Total risk-based capital ratio | 19.6062% | 1,900 |
| Memoranda: | ||
| Average total assets | $47,289,750 | 5,672 |
| Average earning assets | $44,979,250 | 5,627 |
| Average equity | $4,989,750 | 5,725 |
| Average total loans | $32,224,500 | 5,349 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5921% | 4,735 |
| Cost of funding earning assets | 0.3408% | 3,911 |
| Net interest margin | 3.2512% | 4,495 |
| Noninterest income to average assets | 1.3573% | 667 |
| Noninterest expense to average assets | 4.1910% | 548 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1847% | 5,733 |
| Return on assets (ROA) | 0.3957% | 5,256 |
| Pretax return on assets | 0.5361% | 5,132 |
| Return on Equity (ROE) | 3.7980% | 5,099 |
| Retained earnings to average equity (ytd only) | 3.7980% | 3,590 |
| Net charge-offs to loans | 0.0989% | 2,023 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.6875% | 3,152 |
| Efficiency ratio | 94.3487% | 504 |
| Assets per employee ($millions) | 2.7330% | 5,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6502% | 1,742 |
| Loan loss allowance to noncurrent loans | 58.9608% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 2.0297% | 1,077 |
| Noncurrent loans to loans | 2.7988% | 744 |
| Net loans and leases to total assets | 71.3222% | 2,104 |
| Net loans and leases to deposits | 81.8723% | 2,570 |
| Net loans and leases to core deposits | 90.9682% | 2,244 |
| Total domestic deposits to total assets | 87.1139% | 2,104 |
| Equity capital to assets | 10.6240% | 3,297 |
| Core capital (leverage) ratio | 10.7186% | 2,713 |
| Tier 1 risk-based capital ratio | 16.6224% | 2,555 |
| Total risk-based capital ratio | 17.8808% | 2,503 |
| Memoranda: | ||
| Average total assets | $47,005,670 | 5,744 |
| Average earning assets | $44,598,330 | 5,697 |
| Average equity | $4,897,330 | 5,801 |
| Average total loans | $32,369,330 | 5,393 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5028% | 4,958 |
| Cost of funding earning assets | 0.3485% | 3,874 |
| Net interest margin | 3.1543% | 4,770 |
| Noninterest income to average assets | 0.8799% | 1,453 |
| Noninterest expense to average assets | 4.3572% | 476 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.2690% | 6,177 |
| Return on assets (ROA) | -0.0254% | 6,073 |
| Pretax return on assets | -0.1100% | 6,123 |
| Return on Equity (ROE) | -0.2460% | 6,076 |
| Retained earnings to average equity (ytd only) | -0.2460% | 5,419 |
| Net charge-offs to loans | 0.3911% | 628 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -1.8710% | 3,202 |
| Efficiency ratio | 112.6915% | 175 |
| Assets per employee ($millions) | 2.8794% | 5,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7289% | 1,668 |
| Loan loss allowance to noncurrent loans | 219.9187% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.5340% | 3,894 |
| Noncurrent loans to loans | 0.7862% | 3,292 |
| Net loans and leases to total assets | 66.7463% | 2,643 |
| Net loans and leases to deposits | 76.6260% | 2,975 |
| Net loans and leases to core deposits | 83.5870% | 2,815 |
| Total domestic deposits to total assets | 87.1066% | 2,315 |
| Equity capital to assets | 10.5882% | 3,443 |
| Core capital (leverage) ratio | 9.8829% | 3,779 |
| Tier 1 risk-based capital ratio | 17.1372% | 2,431 |
| Total risk-based capital ratio | 18.3967% | 2,384 |
| Memoranda: | ||
| Average total assets | $47,278,000 | 5,788 |
| Average earning assets | $44,764,500 | 5,744 |
| Average equity | $4,878,000 | 5,861 |
| Average total loans | $31,707,500 | 5,448 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6051% | 5,069 |
| Cost of funding earning assets | 0.3481% | 4,275 |
| Net interest margin | 3.2570% | 4,724 |
| Noninterest income to average assets | 1.1389% | 937 |
| Noninterest expense to average assets | 4.1133% | 674 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1080% | 5,947 |
| Return on assets (ROA) | 0.2126% | 5,801 |
| Pretax return on assets | 0.2316% | 5,819 |
| Return on Equity (ROE) | 2.0868% | 5,746 |
| Retained earnings to average equity (ytd only) | 2.0868% | 4,737 |
| Net charge-offs to loans | -0.1399% | 6,192 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2139% | 457 |
| Assets per employee ($millions) | 3.0304% | 5,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7806% | 1,574 |
| Loan loss allowance to noncurrent loans | 194.5578% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.6064% | 3,772 |
| Noncurrent loans to loans | 0.9152% | 3,029 |
| Net loans and leases to total assets | 65.0745% | 3,036 |
| Net loans and leases to deposits | 77.8005% | 2,995 |
| Net loans and leases to core deposits | 85.9400% | 2,693 |
| Total domestic deposits to total assets | 83.6427% | 3,865 |
| Equity capital to assets | 10.0606% | 4,030 |
| Core capital (leverage) ratio | 10.2455% | 3,252 |
| Tier 1 risk-based capital ratio | 16.9866% | 2,522 |
| Total risk-based capital ratio | 18.2474% | 2,474 |
| Memoranda: | ||
| Average total assets | $47,504,000 | 5,842 |
| Average earning assets | $45,102,800 | 5,795 |
| Average equity | $4,840,000 | 5,898 |
| Average total loans | $30,746,800 | 5,537 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5938% | 5,156 |
| Cost of funding earning assets | 0.3502% | 4,341 |
| Net interest margin | 3.2436% | 4,814 |
| Noninterest income to average assets | 1.1201% | 969 |
| Noninterest expense to average assets | 4.1191% | 669 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0820% | 6,050 |
| Return on assets (ROA) | 0.2313% | 5,836 |
| Pretax return on assets | 0.2370% | 5,891 |
| Return on Equity (ROE) | 2.2633% | 5,775 |
| Retained earnings to average equity (ytd only) | 2.2633% | 4,926 |
| Net charge-offs to loans | -0.1667% | 6,269 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9866% | 432 |
| Assets per employee ($millions) | 2.7325% | 6,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 1,790 |
| Loan loss allowance to noncurrent loans | 190.9091% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.6394% | 3,918 |
| Noncurrent loans to loans | 0.9227% | 3,255 |
| Net loans and leases to total assets | 68.0688% | 2,526 |
| Net loans and leases to deposits | 80.0000% | 2,689 |
| Net loans and leases to core deposits | 88.6012% | 2,368 |
| Total domestic deposits to total assets | 85.0860% | 3,308 |
| Equity capital to assets | 10.5074% | 3,543 |
| Core capital (leverage) ratio | 10.1470% | 3,474 |
| Tier 1 risk-based capital ratio | 17.1341% | 2,555 |
| Total risk-based capital ratio | 18.3930% | 2,511 |
| Memoranda: | ||
| Average total assets | $47,258,500 | 5,919 |
| Average earning assets | $44,928,250 | 5,868 |
| Average equity | $4,830,500 | 5,962 |
| Average total loans | $30,402,500 | 5,603 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5047% | 5,402 |
| Cost of funding earning assets | 0.3452% | 4,479 |
| Net interest margin | 3.1596% | 5,064 |
| Noninterest income to average assets | 0.9426% | 1,348 |
| Noninterest expense to average assets | 3.9935% | 772 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0463% | 6,139 |
| Return on assets (ROA) | 0.0463% | 6,165 |
| Pretax return on assets | -0.0463% | 6,223 |
| Return on Equity (ROE) | 0.4570% | 6,156 |
| Retained earnings to average equity (ytd only) | 0.4570% | 5,561 |
| Net charge-offs to loans | -0.1677% | 6,304 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1727% | 376 |
| Assets per employee ($millions) | 2.8017% | 6,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7271% | 2,046 |
| Loan loss allowance to noncurrent loans | 241.9214% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.4808% | 4,566 |
| Noncurrent loans to loans | 0.7139% | 3,918 |
| Net loans and leases to total assets | 66.1845% | 2,724 |
| Net loans and leases to deposits | 77.3969% | 2,879 |
| Net loans and leases to core deposits | 84.8784% | 2,633 |
| Total domestic deposits to total assets | 85.5130% | 3,279 |
| Equity capital to assets | 10.1955% | 3,832 |
| Core capital (leverage) ratio | 10.1160% | 3,450 |
| Tier 1 risk-based capital ratio | 16.5842% | 2,787 |
| Total risk-based capital ratio | 17.8415% | 2,754 |
| Memoranda: | ||
| Average total assets | $47,527,000 | 5,969 |
| Average earning assets | $45,196,000 | 5,911 |
| Average equity | $4,813,670 | 6,003 |
| Average total loans | $29,807,670 | 5,667 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3979% | 5,652 |
| Cost of funding earning assets | 0.3540% | 4,502 |
| Net interest margin | 3.0440% | 5,403 |
| Noninterest income to average assets | 0.6740% | 2,328 |
| Noninterest expense to average assets | 4.3727% | 514 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.4213% | 6,439 |
| Return on assets (ROA) | -0.4213% | 6,443 |
| Pretax return on assets | -0.8004% | 6,530 |
| Return on Equity (ROE) | -4.1732% | 6,447 |
| Retained earnings to average equity (ytd only) | -4.1732% | 6,074 |
| Net charge-offs to loans | -0.0698% | 5,954 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.4057% | 162 |
| Assets per employee ($millions) | 3.0024% | 5,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8407% | 1,926 |
| Loan loss allowance to noncurrent loans | 42.4821% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 2.6167% | 1,183 |
| Noncurrent loans to loans | 4.3328% | 585 |
| Net loans and leases to total assets | 59.2802% | 3,668 |
| Net loans and leases to deposits | 65.8961% | 4,109 |
| Net loans and leases to core deposits | 73.7211% | 3,675 |
| Total domestic deposits to total assets | 89.9600% | 1,091 |
| Equity capital to assets | 9.9255% | 3,933 |
| Core capital (leverage) ratio | 9.6812% | 4,025 |
| Tier 1 risk-based capital ratio | 17.7430% | 2,392 |
| Total risk-based capital ratio | 19.0036% | 2,358 |
| Memoranda: | ||
| Average total assets | $47,476,000 | 6,024 |
| Average earning assets | $45,204,000 | 5,965 |
| Average equity | $4,792,500 | 6,049 |
| Average total loans | $28,673,000 | 5,769 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5082% | 5,623 |
| Cost of funding earning assets | 0.3612% | 5,041 |
| Net interest margin | 3.1470% | 5,169 |
| Noninterest income to average assets | 1.5154% | 614 |
| Noninterest expense to average assets | 4.5213% | 521 |
| Loan and lease loss provision to assets | 0.5486% | 482 |
| Net operating income to assets | -0.1698% | 6,348 |
| Return on assets (ROA) | -0.1698% | 6,360 |
| Pretax return on assets | -0.5962% | 6,509 |
| Return on Equity (ROE) | -1.6637% | 6,363 |
| Retained earnings to average equity (ytd only) | -4.9099% | 6,364 |
| Net charge-offs to loans | 1.3438% | 371 |
| Credit loss provision to net charge-offs | 66.2500% | 3,398 |
| Earnings coverage of net charge-offs (x) | -0.0575% | 5,103 |
| Efficiency ratio | 101.0643% | 448 |
| Assets per employee ($millions) | 2.6063% | 6,309 |
| Cash dividends to net income (ytd only)* | -195.1220% | 6,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8669% | 1,864 |
| Loan loss allowance to noncurrent loans | 178.7162% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.6309% | 4,339 |
| Noncurrent loans to loans | 1.0446% | 3,420 |
| Net loans and leases to total assets | 59.2702% | 3,831 |
| Net loans and leases to deposits | 69.4334% | 3,852 |
| Net loans and leases to core deposits | 76.1058% | 3,596 |
| Total domestic deposits to total assets | 85.3626% | 3,569 |
| Equity capital to assets | 10.2677% | 3,427 |
| Core capital (leverage) ratio | 10.1124% | 3,410 |
| Tier 1 risk-based capital ratio | 18.9027% | 1,956 |
| Total risk-based capital ratio | 20.1639% | 1,910 |
| Memoranda: | ||
| Average total assets | $48,305,200 | 6,057 |
| Average earning assets | $45,408,400 | 6,009 |
| Average equity | $4,928,800 | 6,080 |
| Average total loans | $29,766,400 | 5,773 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5421% | 5,593 |
| Cost of funding earning assets | 0.3659% | 5,136 |
| Net interest margin | 3.1761% | 5,069 |
| Noninterest income to average assets | 1.6196% | 560 |
| Noninterest expense to average assets | 4.6724% | 450 |
| Loan and lease loss provision to assets | 0.7262% | 300 |
| Net operating income to assets | -0.3837% | 6,561 |
| Return on assets (ROA) | -0.3837% | 6,572 |
| Pretax return on assets | -0.8057% | 6,662 |
| Return on Equity (ROE) | -3.7658% | 6,562 |
| Retained earnings to average equity (ytd only) | -8.0696% | 6,597 |
| Net charge-offs to loans | 1.7925% | 232 |
| Credit loss provision to net charge-offs | 65.4321% | 3,169 |
| Earnings coverage of net charge-offs (x) | -0.0716% | 4,878 |
| Efficiency ratio | 101.7303% | 413 |
| Assets per employee ($millions) | 2.7139% | 6,265 |
| Cash dividends to net income (ytd only)* | -114.2880% | 6,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8473% | 2,150 |
| Loan loss allowance to noncurrent loans | 391.0448% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.8757% | 3,922 |
| Noncurrent loans to loans | 0.4724% | 5,014 |
| Net loans and leases to total assets | 60.3455% | 3,644 |
| Net loans and leases to deposits | 70.9325% | 3,650 |
| Net loans and leases to core deposits | 77.3640% | 3,446 |
| Total domestic deposits to total assets | 85.0746% | 3,704 |
| Equity capital to assets | 10.3498% | 3,448 |
| Core capital (leverage) ratio | 10.1308% | 3,488 |
| Tier 1 risk-based capital ratio | 18.5644% | 2,121 |
| Total risk-based capital ratio | 19.8260% | 2,089 |
| Memoranda: | ||
| Average total assets | $48,653,000 | 6,119 |
| Average earning assets | $45,546,750 | 6,073 |
| Average equity | $4,956,750 | 6,151 |
| Average total loans | $30,124,250 | 5,810 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5029% | 5,687 |
| Cost of funding earning assets | 0.3633% | 5,290 |
| Net interest margin | 3.1396% | 5,159 |
| Noninterest income to average assets | 1.4790% | 725 |
| Noninterest expense to average assets | 4.5017% | 525 |
| Loan and lease loss provision to assets | 1.0709% | 161 |
| Net operating income to assets | -0.6223% | 6,672 |
| Return on assets (ROA) | -0.6223% | 6,685 |
| Pretax return on assets | -1.1598% | 6,766 |
| Return on Equity (ROE) | -6.1387% | 6,663 |
| Retained earnings to average equity (ytd only) | -9.3277% | 6,646 |
| Net charge-offs to loans | 2.6766% | 131 |
| Credit loss provision to net charge-offs | 64.4769% | 2,938 |
| Earnings coverage of net charge-offs (x) | -0.0535% | 4,567 |
| Efficiency ratio | 102.0147% | 427 |
| Assets per employee ($millions) | 2.6001% | 6,400 |
| Cash dividends to net income (ytd only)* | -51.9481% | 6,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7920% | 2,457 |
| Loan loss allowance to noncurrent loans | 392.4242% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 1.2820% | 3,200 |
| Noncurrent loans to loans | 0.4567% | 5,117 |
| Net loans and leases to total assets | 60.6568% | 3,546 |
| Net loans and leases to deposits | 69.4389% | 3,794 |
| Net loans and leases to core deposits | 75.9667% | 3,547 |
| Total domestic deposits to total assets | 87.3528% | 2,618 |
| Equity capital to assets | 10.2797% | 3,564 |
| Core capital (leverage) ratio | 10.1029% | 3,364 |
| Tier 1 risk-based capital ratio | 18.7426% | 2,067 |
| Total risk-based capital ratio | 20.0024% | 2,027 |
| Memoranda: | ||
| Average total assets | $49,492,000 | 6,137 |
| Average earning assets | $46,247,670 | 6,093 |
| Average equity | $5,017,330 | 6,177 |
| Average total loans | $30,710,670 | 5,812 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4768% | 5,766 |
| Cost of funding earning assets | 0.3788% | 5,297 |
| Net interest margin | 3.0980% | 5,267 |
| Noninterest income to average assets | 1.5343% | 651 |
| Noninterest expense to average assets | 4.7052% | 454 |
| Loan and lease loss provision to assets | 0.3541% | 920 |
| Net operating income to assets | -0.3305% | 6,595 |
| Return on assets (ROA) | -0.3305% | 6,624 |
| Pretax return on assets | -0.6295% | 6,710 |
| Return on Equity (ROE) | -3.2809% | 6,622 |
| Retained earnings to average equity (ytd only) | -9.5303% | 6,595 |
| Net charge-offs to loans | -0.0253% | 5,825 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.2167% | 391 |
| Assets per employee ($millions) | 2.8995% | 6,151 |
| Cash dividends to net income (ytd only)* | -190.4762% | 6,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4045% | 1,244 |
| Loan loss allowance to noncurrent loans | 206.0870% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 1.6007% | 2,867 |
| Noncurrent loans to loans | 1.1668% | 3,822 |
| Net loans and leases to total assets | 58.5450% | 3,690 |
| Net loans and leases to deposits | 66.9715% | 3,919 |
| Net loans and leases to core deposits | 74.8082% | 3,486 |
| Total domestic deposits to total assets | 87.4178% | 2,679 |
| Equity capital to assets | 10.2451% | 3,863 |
| Core capital (leverage) ratio | 9.6045% | 3,917 |
| Tier 1 risk-based capital ratio | 18.6942% | 2,127 |
| Total risk-based capital ratio | 19.9632% | 2,097 |
| Memoranda: | ||
| Average total assets | $50,837,500 | 6,162 |
| Average earning assets | $47,515,000 | 6,110 |
| Average equity | $5,120,500 | 6,209 |
| Average total loans | $31,613,000 | 5,814 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9029% | 5,563 |
| Cost of funding earning assets | 0.4398% | 5,652 |
| Net interest margin | 3.4632% | 4,657 |
| Noninterest income to average assets | 1.8858% | 474 |
| Noninterest expense to average assets | 4.2364% | 731 |
| Loan and lease loss provision to assets | 0.2591% | 2,578 |
| Net operating income to assets | 0.4431% | 4,914 |
| Return on assets (ROA) | 0.4457% | 5,151 |
| Pretax return on assets | 0.6343% | 4,871 |
| Return on Equity (ROE) | 4.5430% | 4,905 |
| Retained earnings to average equity (ytd only) | 1.4367% | 5,154 |
| Net charge-offs to loans | 0.2678% | 3,332 |
| Credit loss provision to net charge-offs | 147.8261% | 1,842 |
| Earnings coverage of net charge-offs (x) | 5.0761% | 3,154 |
| Efficiency ratio | 82.6459% | 1,791 |
| Assets per employee ($millions) | 3.0814% | 5,877 |
| Cash dividends to net income (ytd only)* | 68.3761% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9728% | 2,092 |
| Loan loss allowance to noncurrent loans | 204.9383% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 1.4203% | 3,271 |
| Noncurrent loans to loans | 0.9627% | 4,274 |
| Net loans and leases to total assets | 62.9842% | 3,059 |
| Net loans and leases to deposits | 75.0250% | 2,963 |
| Net loans and leases to core deposits | 85.7719% | 2,344 |
| Total domestic deposits to total assets | 83.9509% | 4,339 |
| Equity capital to assets | 9.9097% | 4,298 |
| Core capital (leverage) ratio | 9.4416% | 4,197 |
| Tier 1 risk-based capital ratio | 17.3898% | 2,489 |
| Total risk-based capital ratio | 18.6528% | 2,460 |
| Memoranda: | ||
| Average total assets | $52,498,000 | 6,136 |
| Average earning assets | $49,116,800 | 6,084 |
| Average equity | $5,150,800 | 6,258 |
| Average total loans | $34,357,000 | 5,746 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9225% | 5,727 |
| Cost of funding earning assets | 0.4491% | 5,808 |
| Net interest margin | 3.4734% | 4,741 |
| Noninterest income to average assets | 1.7997% | 494 |
| Noninterest expense to average assets | 4.0283% | 903 |
| Loan and lease loss provision to assets | 0.2310% | 2,737 |
| Net operating income to assets | 0.5737% | 4,503 |
| Return on assets (ROA) | 0.5737% | 4,777 |
| Pretax return on assets | 0.7996% | 4,485 |
| Return on Equity (ROE) | 5.8616% | 4,400 |
| Retained earnings to average equity (ytd only) | 1.7118% | 5,475 |
| Net charge-offs to loans | 0.2741% | 3,081 |
| Credit loss provision to net charge-offs | 128.1690% | 2,251 |
| Earnings coverage of net charge-offs (x) | 5.7186% | 2,947 |
| Efficiency ratio | 79.6287% | 2,149 |
| Assets per employee ($millions) | 3.0588% | 5,950 |
| Cash dividends to net income (ytd only)* | 70.7961% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8465% | 2,658 |
| Loan loss allowance to noncurrent loans | 102.8939% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 1.5808% | 3,224 |
| Noncurrent loans to loans | 1.7946% | 3,081 |
| Net loans and leases to total assets | 65.4231% | 2,750 |
| Net loans and leases to deposits | 81.8418% | 2,143 |
| Net loans and leases to core deposits | 93.0372% | 1,682 |
| Total domestic deposits to total assets | 79.9385% | 5,673 |
| Equity capital to assets | 10.0115% | 4,479 |
| Core capital (leverage) ratio | 9.5958% | 4,121 |
| Tier 1 risk-based capital ratio | 16.8422% | 2,814 |
| Total risk-based capital ratio | 18.1045% | 2,766 |
| Memoranda: | ||
| Average total assets | $52,526,750 | 6,205 |
| Average earning assets | $49,287,250 | 6,147 |
| Average equity | $5,140,750 | 6,325 |
| Average total loans | $34,532,000 | 5,812 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9243% | 5,854 |
| Cost of funding earning assets | 0.4572% | 5,922 |
| Net interest margin | 3.4671% | 4,810 |
| Noninterest income to average assets | 1.6470% | 547 |
| Noninterest expense to average assets | 3.9315% | 1,034 |
| Loan and lease loss provision to assets | 0.2125% | 2,952 |
| Net operating income to assets | 0.5427% | 4,613 |
| Return on assets (ROA) | 0.5427% | 4,895 |
| Pretax return on assets | 0.7552% | 4,629 |
| Return on Equity (ROE) | 5.5870% | 4,533 |
| Retained earnings to average equity (ytd only) | 2.4614% | 4,955 |
| Net charge-offs to loans | 0.4175% | 2,364 |
| Credit loss provision to net charge-offs | 77.7778% | 3,379 |
| Earnings coverage of net charge-offs (x) | 3.5417% | 3,340 |
| Efficiency ratio | 80.2479% | 2,131 |
| Assets per employee ($millions) | 2.7336% | 6,497 |
| Cash dividends to net income (ytd only)* | 55.9441% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7960% | 2,866 |
| Loan loss allowance to noncurrent loans | 110.8257% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 1.4344% | 3,563 |
| Noncurrent loans to loans | 1.6206% | 3,477 |
| Net loans and leases to total assets | 63.5874% | 3,126 |
| Net loans and leases to deposits | 77.5750% | 2,738 |
| Net loans and leases to core deposits | 87.3450% | 2,273 |
| Total domestic deposits to total assets | 81.9689% | 5,145 |
| Equity capital to assets | 9.9773% | 4,366 |
| Core capital (leverage) ratio | 9.5740% | 4,041 |
| Tier 1 risk-based capital ratio | 16.8976% | 2,718 |
| Total risk-based capital ratio | 18.1581% | 2,671 |
| Memoranda: | ||
| Average total assets | $52,702,330 | 6,242 |
| Average earning assets | $49,436,000 | 6,175 |
| Average equity | $5,119,000 | 6,361 |
| Average total loans | $34,489,330 | 5,849 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9820% | 5,825 |
| Cost of funding earning assets | 0.4708% | 6,009 |
| Net interest margin | 3.5112% | 4,635 |
| Noninterest income to average assets | 1.3940% | 742 |
| Noninterest expense to average assets | 4.2197% | 721 |
| Loan and lease loss provision to assets | 0.1959% | 2,985 |
| Net operating income to assets | 0.3014% | 5,651 |
| Return on assets (ROA) | 0.3014% | 5,820 |
| Pretax return on assets | 0.2939% | 5,994 |
| Return on Equity (ROE) | 3.1450% | 5,660 |
| Retained earnings to average equity (ytd only) | -3.1450% | 6,418 |
| Net charge-offs to loans | 0.1375% | 3,278 |
| Credit loss provision to net charge-offs | 216.6667% | 1,270 |
| Earnings coverage of net charge-offs (x) | 5.4167% | 2,376 |
| Efficiency ratio | 89.6000% | 1,131 |
| Assets per employee ($millions) | 3.0367% | 6,083 |
| Cash dividends to net income (ytd only)* | 200.0000% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7764% | 3,070 |
| Loan loss allowance to noncurrent loans | 81.9121% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 1.4160% | 3,745 |
| Noncurrent loans to loans | 2.1686% | 2,950 |
| Net loans and leases to total assets | 64.1353% | 2,826 |
| Net loans and leases to deposits | 80.7226% | 2,095 |
| Net loans and leases to core deposits | 91.2681% | 1,721 |
| Total domestic deposits to total assets | 79.4515% | 5,986 |
| Equity capital to assets | 9.2607% | 5,142 |
| Core capital (leverage) ratio | 9.3355% | 4,307 |
| Tier 1 risk-based capital ratio | 15.9661% | 3,194 |
| Total risk-based capital ratio | 17.2277% | 3,154 |
| Memoranda: | ||
| Average total assets | $53,084,500 | 6,263 |
| Average earning assets | $50,125,000 | 6,189 |
| Average equity | $5,087,500 | 6,401 |
| Average total loans | $34,919,000 | 5,874 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2534% | 5,906 |
| Cost of funding earning assets | 0.7131% | 5,449 |
| Net interest margin | 3.5403% | 4,981 |
| Noninterest income to average assets | 1.5093% | 575 |
| Noninterest expense to average assets | 4.2851% | 732 |
| Loan and lease loss provision to assets | 0.5700% | 1,825 |
| Net operating income to assets | -0.0194% | 6,070 |
| Return on assets (ROA) | -0.0040% | 6,166 |
| Pretax return on assets | 0.0562% | 6,040 |
| Return on Equity (ROE) | -0.0399% | 6,167 |
| Retained earnings to average equity (ytd only) | -3.2293% | 6,301 |
| Net charge-offs to loans | 0.2620% | 4,132 |
| Credit loss provision to net charge-offs | 338.0952% | 686 |
| Earnings coverage of net charge-offs (x) | 3.5714% | 3,466 |
| Efficiency ratio | 87.6797% | 1,382 |
| Assets per employee ($millions) | 3.0299% | 6,020 |
| Cash dividends to net income (ytd only)* | -8,000.0000% | 7,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8157% | 2,822 |
| Loan loss allowance to noncurrent loans | 140.5896% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 1.1474% | 4,325 |
| Noncurrent loans to loans | 1.2915% | 4,217 |
| Net loans and leases to total assets | 65.0909% | 2,959 |
| Net loans and leases to deposits | 79.4084% | 2,624 |
| Net loans and leases to core deposits | 88.9334% | 2,258 |
| Total domestic deposits to total assets | 81.9698% | 5,138 |
| Equity capital to assets | 9.9266% | 4,260 |
| Core capital (leverage) ratio | 9.6104% | 3,852 |
| Tier 1 risk-based capital ratio | 16.1602% | 2,972 |
| Total risk-based capital ratio | 17.4204% | 2,936 |
| Memoranda: | ||
| Average total assets | $49,824,000 | 6,374 |
| Average earning assets | $47,538,400 | 6,270 |
| Average equity | $5,016,600 | 6,442 |
| Average total loans | $32,058,400 | 6,067 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2472% | 6,090 |
| Cost of funding earning assets | 0.7614% | 5,386 |
| Net interest margin | 3.4857% | 5,243 |
| Noninterest income to average assets | 1.3926% | 674 |
| Noninterest expense to average assets | 4.4099% | 629 |
| Loan and lease loss provision to assets | 0.7152% | 1,340 |
| Net operating income to assets | -0.3554% | 6,547 |
| Return on assets (ROA) | -0.3482% | 6,596 |
| Pretax return on assets | -0.3886% | 6,559 |
| Return on Equity (ROE) | -3.4452% | 6,595 |
| Retained earnings to average equity (ytd only) | -7.7180% | 6,750 |
| Net charge-offs to loans | 0.3551% | 3,317 |
| Credit loss provision to net charge-offs | 315.4762% | 895 |
| Earnings coverage of net charge-offs (x) | 1.4047% | 4,575 |
| Efficiency ratio | 93.2648% | 953 |
| Assets per employee ($millions) | 2.7029% | 6,646 |
| Cash dividends to net income (ytd only)* | -124.0291% | 7,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8497% | 2,778 |
| Loan loss allowance to noncurrent loans | 164.2077% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 1.0048% | 4,744 |
| Noncurrent loans to loans | 1.1265% | 4,661 |
| Net loans and leases to total assets | 62.0972% | 3,698 |
| Net loans and leases to deposits | 75.6099% | 3,386 |
| Net loans and leases to core deposits | 86.4064% | 2,720 |
| Total domestic deposits to total assets | 82.1283% | 5,042 |
| Equity capital to assets | 9.7342% | 4,728 |
| Core capital (leverage) ratio | 9.6946% | 3,858 |
| Tier 1 risk-based capital ratio | 15.9126% | 3,163 |
| Total risk-based capital ratio | 17.1731% | 3,110 |
| Memoranda: | ||
| Average total assets | $49,403,000 | 6,440 |
| Average earning assets | $47,277,500 | 6,327 |
| Average equity | $4,992,500 | 6,501 |
| Average total loans | $31,536,250 | 6,162 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2391% | 6,197 |
| Cost of funding earning assets | 0.8247% | 5,217 |
| Net interest margin | 3.4144% | 5,505 |
| Noninterest income to average assets | 1.3415% | 702 |
| Noninterest expense to average assets | 4.3854% | 677 |
| Loan and lease loss provision to assets | 1.0461% | 810 |
| Net operating income to assets | -0.7216% | 6,829 |
| Return on assets (ROA) | -0.7179% | 6,834 |
| Pretax return on assets | -0.8082% | 6,827 |
| Return on Equity (ROE) | -7.0136% | 6,829 |
| Retained earnings to average equity (ytd only) | -10.2198% | 6,887 |
| Net charge-offs to loans | 0.6086% | 2,305 |
| Credit loss provision to net charge-offs | 268.4211% | 1,131 |
| Earnings coverage of net charge-offs (x) | 0.6000% | 4,845 |
| Efficiency ratio | 94.9378% | 927 |
| Assets per employee ($millions) | 2.4714% | 6,946 |
| Cash dividends to net income (ytd only)* | -45.7143% | 7,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9221% | 2,600 |
| Loan loss allowance to noncurrent loans | 107.6067% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 1.3940% | 4,136 |
| Noncurrent loans to loans | 1.7862% | 3,773 |
| Net loans and leases to total assets | 59.8762% | 4,293 |
| Net loans and leases to deposits | 68.3077% | 4,656 |
| Net loans and leases to core deposits | 77.7874% | 4,079 |
| Total domestic deposits to total assets | 87.6565% | 2,364 |
| Equity capital to assets | 10.0229% | 4,116 |
| Core capital (leverage) ratio | 9.6166% | 3,785 |
| Tier 1 risk-based capital ratio | 16.6116% | 2,692 |
| Total risk-based capital ratio | 17.8702% | 2,642 |
| Memoranda: | ||
| Average total assets | $48,752,330 | 6,521 |
| Average earning assets | $46,802,330 | 6,410 |
| Average equity | $4,990,330 | 6,535 |
| Average total loans | $31,218,000 | 6,233 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2698% | 6,097 |
| Cost of funding earning assets | 0.8781% | 5,077 |
| Net interest margin | 3.3918% | 5,459 |
| Noninterest income to average assets | 1.2310% | 839 |
| Noninterest expense to average assets | 4.5358% | 575 |
| Loan and lease loss provision to assets | 0.1239% | 4,450 |
| Net operating income to assets | -0.0413% | 6,402 |
| Return on assets (ROA) | -0.0413% | 6,420 |
| Pretax return on assets | -0.1735% | 6,516 |
| Return on Equity (ROE) | -0.3993% | 6,424 |
| Retained earnings to average equity (ytd only) | -6.7885% | 6,661 |
| Net charge-offs to loans | -0.0252% | 6,646 |
| Credit loss provision to net charge-offs | -750.0000% | 6,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1050% | 704 |
| Assets per employee ($millions) | 2.4728% | 7,022 |
| Cash dividends to net income (ytd only)* | -1,600.0000% | 7,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4249% | 4,545 |
| Loan loss allowance to noncurrent loans | 78.8809% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.1202% | 4,684 |
| Noncurrent loans to loans | 1.8064% | 3,821 |
| Net loans and leases to total assets | 61.1303% | 4,050 |
| Net loans and leases to deposits | 69.6638% | 4,401 |
| Net loans and leases to core deposits | 78.3497% | 3,974 |
| Total domestic deposits to total assets | 87.7505% | 2,523 |
| Equity capital to assets | 10.0516% | 3,710 |
| Core capital (leverage) ratio | 10.1828% | 2,943 |
| Tier 1 risk-based capital ratio | 17.5013% | 2,296 |
| Total risk-based capital ratio | 18.7542% | 2,260 |
| Memoranda: | ||
| Average total assets | $48,415,000 | 6,576 |
| Average earning assets | $46,465,500 | 6,474 |
| Average equity | $5,008,500 | 6,559 |
| Average total loans | $31,739,500 | 6,257 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5809% | 6,168 |
| Cost of funding earning assets | 1.2068% | 4,521 |
| Net interest margin | 3.3740% | 5,723 |
| Noninterest income to average assets | 2.5022% | 283 |
| Noninterest expense to average assets | 4.6972% | 547 |
| Loan and lease loss provision to assets | 0.3296% | 4,176 |
| Net operating income to assets | 0.5269% | 3,979 |
| Return on assets (ROA) | 0.5269% | 4,131 |
| Pretax return on assets | 0.7059% | 3,956 |
| Return on Equity (ROE) | 5.1403% | 4,005 |
| Retained earnings to average equity (ytd only) | 1.9648% | 4,491 |
| Net charge-offs to loans | 0.4817% | 3,697 |
| Credit loss provision to net charge-offs | 103.1847% | 4,371 |
| Earnings coverage of net charge-offs (x) | 3.2420% | 3,456 |
| Efficiency ratio | 81.9375% | 2,173 |
| Assets per employee ($millions) | 2.1534% | 7,330 |
| Cash dividends to net income (ytd only)* | 61.7761% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 5,105 |
| Loan loss allowance to noncurrent loans | 104.2184% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.8507% | 5,305 |
| Noncurrent loans to loans | 1.2283% | 4,677 |
| Net loans and leases to total assets | 68.3694% | 2,891 |
| Net loans and leases to deposits | 78.5269% | 3,424 |
| Net loans and leases to core deposits | 88.8639% | 2,923 |
| Total domestic deposits to total assets | 87.0649% | 2,787 |
| Equity capital to assets | 10.6512% | 3,023 |
| Core capital (leverage) ratio | 10.1620% | 2,909 |
| Tier 1 risk-based capital ratio | 17.4339% | 2,197 |
| Total risk-based capital ratio | 18.6851% | 2,166 |
| Memoranda: | ||
| Average total assets | $49,156,800 | 6,571 |
| Average earning assets | $47,065,400 | 6,475 |
| Average equity | $5,038,600 | 6,654 |
| Average total loans | $32,595,200 | 6,281 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5481% | 6,472 |
| Cost of funding earning assets | 1.2605% | 4,493 |
| Net interest margin | 3.2875% | 6,058 |
| Noninterest income to average assets | 2.2606% | 315 |
| Noninterest expense to average assets | 4.3088% | 737 |
| Loan and lease loss provision to assets | 0.4166% | 3,406 |
| Net operating income to assets | 0.4946% | 4,339 |
| Return on assets (ROA) | 0.4946% | 4,536 |
| Pretax return on assets | 0.6828% | 4,291 |
| Return on Equity (ROE) | 4.8708% | 4,355 |
| Retained earnings to average equity (ytd only) | 0.6353% | 5,547 |
| Net charge-offs to loans | 0.0164% | 6,450 |
| Credit loss provision to net charge-offs | 3,875.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 102.3114% | 301 |
| Efficiency ratio | 79.6720% | 2,393 |
| Assets per employee ($millions) | 2.2096% | 7,379 |
| Cash dividends to net income (ytd only)* | 86.9563% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6819% | 3,212 |
| Loan loss allowance to noncurrent loans | 134.1232% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.8681% | 5,357 |
| Noncurrent loans to loans | 1.2540% | 4,759 |
| Net loans and leases to total assets | 68.0648% | 3,196 |
| Net loans and leases to deposits | 78.1607% | 3,801 |
| Net loans and leases to core deposits | 90.5947% | 3,010 |
| Total domestic deposits to total assets | 87.0832% | 2,479 |
| Equity capital to assets | 10.5347% | 3,479 |
| Core capital (leverage) ratio | 10.2619% | 2,968 |
| Tier 1 risk-based capital ratio | 16.8914% | 2,381 |
| Total risk-based capital ratio | 18.1487% | 2,338 |
| Memoranda: | ||
| Average total assets | $49,602,250 | 6,638 |
| Average earning assets | $47,491,250 | 6,531 |
| Average equity | $5,036,750 | 6,740 |
| Average total loans | $32,541,500 | 6,366 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4843% | 6,748 |
| Cost of funding earning assets | 1.2985% | 4,550 |
| Net interest margin | 3.1858% | 6,361 |
| Noninterest income to average assets | 1.9386% | 369 |
| Noninterest expense to average assets | 4.2377% | 773 |
| Loan and lease loss provision to assets | 0.6208% | 2,307 |
| Net operating income to assets | 0.1362% | 5,767 |
| Return on assets (ROA) | 0.1362% | 5,878 |
| Pretax return on assets | 0.1362% | 5,912 |
| Return on Equity (ROE) | 1.3576% | 5,848 |
| Retained earnings to average equity (ytd only) | -1.8368% | 6,121 |
| Net charge-offs to loans | 0.0249% | 5,990 |
| Credit loss provision to net charge-offs | 3,875.0000% | 99 |
| Earnings coverage of net charge-offs (x) | 47.2500% | 629 |
| Efficiency ratio | 84.8436% | 1,831 |
| Assets per employee ($millions) | 2.2333% | 7,411 |
| Cash dividends to net income (ytd only)* | 235.2941% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7553% | 2,877 |
| Loan loss allowance to noncurrent loans | 126.9058% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.9077% | 5,305 |
| Noncurrent loans to loans | 1.3831% | 4,630 |
| Net loans and leases to total assets | 64.4780% | 4,164 |
| Net loans and leases to deposits | 73.7276% | 4,719 |
| Net loans and leases to core deposits | 86.8850% | 3,716 |
| Total domestic deposits to total assets | 87.4545% | 2,286 |
| Equity capital to assets | 10.2172% | 3,747 |
| Core capital (leverage) ratio | 10.0423% | 3,122 |
| Tier 1 risk-based capital ratio | 16.9057% | 2,321 |
| Total risk-based capital ratio | 18.1684% | 2,267 |
| Memoranda: | ||
| Average total assets | $49,932,670 | 6,652 |
| Average earning assets | $47,900,330 | 6,552 |
| Average equity | $5,008,670 | 6,777 |
| Average total loans | $32,171,000 | 6,430 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3904% | 7,008 |
| Cost of funding earning assets | 1.3668% | 4,379 |
| Net interest margin | 3.0236% | 6,776 |
| Noninterest income to average assets | 1.5815% | 490 |
| Noninterest expense to average assets | 3.9418% | 1,114 |
| Loan and lease loss provision to assets | 0.1192% | 5,398 |
| Net operating income to assets | 0.3179% | 5,217 |
| Return on assets (ROA) | 0.3179% | 5,347 |
| Pretax return on assets | 0.4212% | 5,221 |
| Return on Equity (ROE) | 3.1981% | 5,253 |
| Retained earnings to average equity (ytd only) | -3.1981% | 6,394 |
| Net charge-offs to loans | 0.1369% | 4,123 |
| Credit loss provision to net charge-offs | 136.3636% | 2,587 |
| Earnings coverage of net charge-offs (x) | 6.1818% | 2,267 |
| Efficiency ratio | 87.9433% | 1,589 |
| Assets per employee ($millions) | 2.1383% | 7,586 |
| Cash dividends to net income (ytd only)* | 200.0000% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 4,728 |
| Loan loss allowance to noncurrent loans | 196.7136% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.4331% | 6,388 |
| Noncurrent loans to loans | 0.6818% | 5,969 |
| Net loans and leases to total assets | 62.6652% | 4,622 |
| Net loans and leases to deposits | 71.5114% | 5,121 |
| Net loans and leases to core deposits | 84.7425% | 4,099 |
| Total domestic deposits to total assets | 87.6296% | 2,275 |
| Equity capital to assets | 10.1094% | 3,736 |
| Core capital (leverage) ratio | 9.8440% | 3,348 |
| Tier 1 risk-based capital ratio | 15.1498% | 3,044 |
| Total risk-based capital ratio | 16.3747% | 3,010 |
| Memoranda: | ||
| Average total assets | $50,332,500 | 6,723 |
| Average earning assets | $48,287,500 | 6,619 |
| Average equity | $5,003,000 | 6,844 |
| Average total loans | $32,133,500 | 6,515 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8879% | 6,739 |
| Cost of funding earning assets | 1.7131% | 4,440 |
| Net interest margin | 3.1748% | 6,175 |
| Noninterest income to average assets | 2.1063% | 349 |
| Noninterest expense to average assets | 4.2065% | 1,094 |
| Loan and lease loss provision to assets | 0.1325% | 6,313 |
| Net operating income to assets | 0.5318% | 3,604 |
| Return on assets (ROA) | 0.5482% | 3,624 |
| Pretax return on assets | 0.8092% | 3,214 |
| Return on Equity (ROE) | 5.4749% | 3,442 |
| Retained earnings to average equity (ytd only) | 2.2662% | 3,530 |
| Net charge-offs to loans | 0.0805% | 6,304 |
| Credit loss provision to net charge-offs | 253.8462% | 1,390 |
| Earnings coverage of net charge-offs (x) | 17.5769% | 1,176 |
| Efficiency ratio | 82.0925% | 2,586 |
| Assets per employee ($millions) | 2.3401% | 7,425 |
| Cash dividends to net income (ytd only)* | 58.6081% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 5,007 |
| Loan loss allowance to noncurrent loans | 89.2473% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.9032% | 5,292 |
| Noncurrent loans to loans | 1.4079% | 4,576 |
| Net loans and leases to total assets | 63.3471% | 4,739 |
| Net loans and leases to deposits | 71.9457% | 5,335 |
| Net loans and leases to core deposits | 105.3187% | 3,416 |
| Total domestic deposits to total assets | 88.0485% | 1,954 |
| Equity capital to assets | 9.7780% | 4,034 |
| Core capital (leverage) ratio | 9.7048% | 3,447 |
| Tier 1 risk-based capital ratio | 14.7689% | 3,064 |
| Total risk-based capital ratio | 15.9801% | 3,040 |
| Memoranda: | ||
| Average total assets | $49,803,800 | 6,710 |
| Average earning assets | $47,341,200 | 6,623 |
| Average equity | $4,986,400 | 6,945 |
| Average total loans | $32,284,400 | 6,503 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9103% | 6,857 |
| Cost of funding earning assets | 1.7553% | 4,616 |
| Net interest margin | 3.1550% | 6,159 |
| Noninterest income to average assets | 1.9844% | 378 |
| Noninterest expense to average assets | 4.1119% | 1,126 |
| Loan and lease loss provision to assets | 0.1215% | 6,142 |
| Net operating income to assets | 0.5184% | 3,907 |
| Return on assets (ROA) | 0.5373% | 3,924 |
| Pretax return on assets | 0.7722% | 3,617 |
| Return on Equity (ROE) | 5.3338% | 3,818 |
| Retained earnings to average equity (ytd only) | 1.0453% | 4,731 |
| Net charge-offs to loans | 0.0457% | 6,269 |
| Credit loss provision to net charge-offs | 409.0909% | 972 |
| Earnings coverage of net charge-offs (x) | 29.1745% | 949 |
| Efficiency ratio | 82.5922% | 2,498 |
| Assets per employee ($millions) | 2.2762% | 7,526 |
| Cash dividends to net income (ytd only)* | 80.4018% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2847% | 4,594 |
| Loan loss allowance to noncurrent loans | 47.0115% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 1.7373% | 3,762 |
| Noncurrent loans to loans | 2.7328% | 2,776 |
| Net loans and leases to total assets | 62.7574% | 5,114 |
| Net loans and leases to deposits | 71.4997% | 5,736 |
| Net loans and leases to core deposits | 108.5749% | 3,402 |
| Total domestic deposits to total assets | 87.7728% | 1,763 |
| Equity capital to assets | 9.9826% | 4,113 |
| Core capital (leverage) ratio | 9.4835% | 3,931 |
| Tier 1 risk-based capital ratio | 13.7503% | 3,683 |
| Total risk-based capital ratio | 14.8978% | 3,688 |
| Memoranda: | ||
| Average total assets | $49,384,000 | 6,783 |
| Average earning assets | $46,866,500 | 6,695 |
| Average equity | $4,974,500 | 7,007 |
| Average total loans | $32,098,500 | 6,565 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8619% | 7,113 |
| Cost of funding earning assets | 1.7278% | 5,136 |
| Net interest margin | 3.1341% | 6,142 |
| Noninterest income to average assets | 1.9775% | 381 |
| Noninterest expense to average assets | 4.0282% | 1,276 |
| Loan and lease loss provision to assets | 0.1221% | 5,891 |
| Net operating income to assets | 0.5538% | 3,862 |
| Return on assets (ROA) | 0.5819% | 3,870 |
| Pretax return on assets | 0.8423% | 3,533 |
| Return on Equity (ROE) | 5.7588% | 3,766 |
| Retained earnings to average equity (ytd only) | 2.5371% | 3,917 |
| Net charge-offs to loans | 0.1181% | 4,980 |
| Credit loss provision to net charge-offs | 157.8947% | 2,912 |
| Earnings coverage of net charge-offs (x) | 11.9474% | 1,859 |
| Efficiency ratio | 81.3476% | 2,832 |
| Assets per employee ($millions) | 2.3065% | 7,542 |
| Cash dividends to net income (ytd only)* | 55.9441% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 5,031 |
| Loan loss allowance to noncurrent loans | 46.5060% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 1.6357% | 3,757 |
| Noncurrent loans to loans | 2.5544% | 2,837 |
| Net loans and leases to total assets | 63.2725% | 5,127 |
| Net loans and leases to deposits | 75.2820% | 5,279 |
| Net loans and leases to core deposits | 112.4037% | 3,089 |
| Total domestic deposits to total assets | 84.0474% | 3,741 |
| Equity capital to assets | 9.8081% | 4,202 |
| Core capital (leverage) ratio | 9.7407% | 3,586 |
| Tier 1 risk-based capital ratio | 13.2157% | 3,989 |
| Total risk-based capital ratio | 14.2517% | 4,063 |
| Memoranda: | ||
| Average total assets | $49,153,000 | 6,866 |
| Average earning assets | $46,648,000 | 6,763 |
| Average equity | $4,966,330 | 7,075 |
| Average total loans | $32,186,000 | 6,602 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3941% | 5,456 |
| Cost of funding earning assets | 1.7163% | 5,530 |
| Net interest margin | 3.6778% | 3,988 |
| Noninterest income to average assets | 1.7867% | 425 |
| Noninterest expense to average assets | 3.7885% | 1,492 |
| Loan and lease loss provision to assets | 0.1241% | 5,373 |
| Net operating income to assets | 0.9115% | 2,652 |
| Return on assets (ROA) | 0.9678% | 2,581 |
| Pretax return on assets | 1.4310% | 1,880 |
| Return on Equity (ROE) | 9.4336% | 2,561 |
| Retained earnings to average equity (ytd only) | 2.9833% | 4,213 |
| Net charge-offs to loans | -0.0125% | 7,325 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0126% | 4,191 |
| Assets per employee ($millions) | 2.2249% | 7,681 |
| Cash dividends to net income (ytd only)* | 68.3761% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 4,656 |
| Loan loss allowance to noncurrent loans | 342.9825% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 6,825 |
| Noncurrent loans to loans | 0.3561% | 6,541 |
| Net loans and leases to total assets | 64.6127% | 4,886 |
| Net loans and leases to deposits | 81.5839% | 4,352 |
| Net loans and leases to core deposits | 117.7351% | 2,625 |
| Total domestic deposits to total assets | 79.1979% | 5,644 |
| Equity capital to assets | 10.1334% | 3,845 |
| Core capital (leverage) ratio | 10.2582% | 3,148 |
| Tier 1 risk-based capital ratio | 14.6654% | 3,221 |
| Total risk-based capital ratio | 15.8360% | 3,192 |
| Memoranda: | ||
| Average total assets | $48,357,500 | 6,935 |
| Average earning assets | $45,679,500 | 6,849 |
| Average equity | $4,961,000 | 7,123 |
| Average total loans | $32,032,500 | 6,643 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8894% | 6,090 |
| Cost of funding earning assets | 2.2121% | 5,546 |
| Net interest margin | 3.6773% | 4,569 |
| Noninterest income to average assets | 1.8344% | 403 |
| Noninterest expense to average assets | 4.0108% | 1,405 |
| Loan and lease loss provision to assets | 0.0980% | 6,134 |
| Net operating income to assets | 0.7794% | 3,526 |
| Return on assets (ROA) | 0.7984% | 3,279 |
| Pretax return on assets | 1.2341% | 2,532 |
| Return on Equity (ROE) | 8.0186% | 3,068 |
| Retained earnings to average equity (ytd only) | 5.1294% | 1,946 |
| Net charge-offs to loans | 0.0166% | 6,642 |
| Credit loss provision to net charge-offs | 940.0000% | 474 |
| Earnings coverage of net charge-offs (x) | 125.0000% | 358 |
| Efficiency ratio | 75.4806% | 3,329 |
| Assets per employee ($millions) | 2.1713% | 7,750 |
| Cash dividends to net income (ytd only)* | 36.0313% | 3,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1701% | 4,776 |
| Loan loss allowance to noncurrent loans | 132.9787% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.5904% | 5,416 |
| Noncurrent loans to loans | 0.8799% | 4,858 |
| Net loans and leases to total assets | 66.3059% | 4,790 |
| Net loans and leases to deposits | 84.3601% | 4,374 |
| Net loans and leases to core deposits | 112.8679% | 3,463 |
| Total domestic deposits to total assets | 78.5986% | 5,514 |
| Equity capital to assets | 10.3877% | 3,630 |
| Core capital (leverage) ratio | 10.6858% | 2,836 |
| Tier 1 risk-based capital ratio | 14.8598% | 3,121 |
| Total risk-based capital ratio | 16.0030% | 3,093 |
| Memoranda: | ||
| Average total assets | $47,971,000 | 6,862 |
| Average earning assets | $45,386,600 | 6,796 |
| Average equity | $4,776,400 | 7,214 |
| Average total loans | $30,128,400 | 6,701 |