Home > Buffalo Prairie State Bank > Performance and Condition Ratios
Buffalo Prairie State Bank, Performance and Condition Ratios
| 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 | 2.3426% | 6,273 |
| Cost of funding earning assets | 1.0968% | 99 |
| Net interest margin | 1.2458% | 6,373 |
| Noninterest income to average assets | 0.0400% | 6,255 |
| Noninterest expense to average assets | 1.1937% | 6,323 |
| Loan and lease loss provision to assets | 0.0228% | 3,414 |
| Net operating income to assets | 0.3242% | 5,322 |
| Return on assets (ROA) | -0.5312% | 6,261 |
| Pretax return on assets | -1.3193% | 6,336 |
| Return on Equity (ROE) | -5.8021% | 6,274 |
| Retained earnings to average equity (ytd only) | -36.3721% | 6,364 |
| Net charge-offs to loans | 3.0389% | 46 |
| Credit loss provision to net charge-offs | 4.8780% | 2,464 |
| Earnings coverage of net charge-offs (x) | 0.0854% | 3,104 |
| Efficiency ratio | 96.7593% | 473 |
| Assets per employee ($millions) | 11.4273% | 174 |
| Cash dividends to net income (ytd only)* | -526.8817% | 6,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2587% | 739 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 13.8848% | 6,333 |
| Net loans and leases to deposits | 15.3210% | 6,351 |
| Net loans and leases to core deposits | 16.5883% | 6,339 |
| Total domestic deposits to total assets | 90.6263% | 485 |
| Equity capital to assets | 9.1477% | 5,140 |
| Core capital (leverage) ratio | 8.4654% | 5,555 |
| Tier 1 risk-based capital ratio | 20.8910% | 1,445 |
| Total risk-based capital ratio | 21.6633% | 1,508 |
| Memoranda: | ||
| Average total assets | $70,035,000 | 5,255 |
| Average earning assets | $67,105,000 | 5,169 |
| Average equity | $6,411,500 | 5,515 |
| Average total loans | $10,793,500 | 6,209 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0108% | 6,060 |
| Cost of funding earning assets | 1.0821% | 149 |
| Net interest margin | 1.9287% | 6,384 |
| Noninterest income to average assets | 0.0604% | 6,268 |
| Noninterest expense to average assets | 1.0488% | 6,439 |
| Loan and lease loss provision to assets | 0.1348% | 1,942 |
| Net operating income to assets | 0.7161% | 3,812 |
| Return on assets (ROA) | 0.3538% | 5,438 |
| Pretax return on assets | 0.3538% | 5,596 |
| Return on Equity (ROE) | 2.7423% | 5,559 |
| Retained earnings to average equity (ytd only) | -36.4341% | 6,469 |
| Net charge-offs to loans | 1.0072% | 299 |
| Credit loss provision to net charge-offs | 70.0730% | 3,077 |
| Earnings coverage of net charge-offs (x) | 4.4234% | 3,658 |
| Efficiency ratio | 55.2106% | 5,748 |
| Assets per employee ($millions) | 11.9177% | 145 |
| Cash dividends to net income (ytd only)* | 1,428.5714% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5154% | 538 |
| Loan loss allowance to noncurrent loans | 20.5801% | 5,823 |
| Noncurrent assets plus other real estate owned to assets | 2.0250% | 1,254 |
| Noncurrent loans to loans | 12.2225% | 43 |
| Net loans and leases to total assets | 16.1511% | 6,410 |
| Net loans and leases to deposits | 17.8239% | 6,424 |
| Net loans and leases to core deposits | 19.2291% | 6,412 |
| Total domestic deposits to total assets | 90.6148% | 490 |
| Equity capital to assets | 9.1615% | 5,117 |
| Core capital (leverage) ratio | 9.0798% | 4,856 |
| Tier 1 risk-based capital ratio | 23.2026% | 1,054 |
| Total risk-based capital ratio | 24.2606% | 1,057 |
| Memoranda: | ||
| Average total assets | $71,223,800 | 5,251 |
| Average earning assets | $67,922,000 | 5,175 |
| Average equity | $9,189,200 | 4,924 |
| Average total loans | $13,602,600 | 6,208 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1857% | 5,916 |
| Cost of funding earning assets | 1.0842% | 161 |
| Net interest margin | 2.1015% | 6,420 |
| Noninterest income to average assets | 0.0618% | 6,353 |
| Noninterest expense to average assets | 0.8938% | 6,541 |
| Loan and lease loss provision to assets | 0.1349% | 1,847 |
| Net operating income to assets | 1.0344% | 2,309 |
| Return on assets (ROA) | 0.5528% | 4,740 |
| Pretax return on assets | 0.5528% | 5,178 |
| Return on Equity (ROE) | 3.9936% | 5,176 |
| Retained earnings to average equity (ytd only) | 3.9936% | 3,811 |
| Net charge-offs to loans | 1.3484% | 196 |
| Credit loss provision to net charge-offs | 50.7042% | 3,087 |
| Earnings coverage of net charge-offs (x) | 4.3943% | 3,472 |
| Efficiency ratio | 43.3243% | 6,384 |
| Assets per employee ($millions) | 11.8960% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8945% | 1,463 |
| Loan loss allowance to noncurrent loans | 30.8840% | 5,697 |
| Noncurrent assets plus other real estate owned to assets | 1.2203% | 2,519 |
| Noncurrent loans to loans | 6.1342% | 225 |
| Net loans and leases to total assets | 19.5164% | 6,455 |
| Net loans and leases to deposits | 22.8155% | 6,465 |
| Net loans and leases to core deposits | 24.7280% | 6,449 |
| Total domestic deposits to total assets | 85.5400% | 3,097 |
| Equity capital to assets | 14.2947% | 914 |
| Core capital (leverage) ratio | 14.2028% | 792 |
| Tier 1 risk-based capital ratio | 33.4275% | 406 |
| Total risk-based capital ratio | 34.3111% | 404 |
| Memoranda: | ||
| Average total assets | $71,153,250 | 5,312 |
| Average earning assets | $67,759,500 | 5,231 |
| Average equity | $9,848,750 | 4,819 |
| Average total loans | $14,041,500 | 6,257 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0687% | 6,105 |
| Cost of funding earning assets | 1.0810% | 165 |
| Net interest margin | 1.9877% | 6,524 |
| Noninterest income to average assets | 0.0647% | 6,396 |
| Noninterest expense to average assets | 0.9201% | 6,603 |
| Loan and lease loss provision to assets | 0.1351% | 1,833 |
| Net operating income to assets | 0.8439% | 3,106 |
| Return on assets (ROA) | 0.8413% | 3,218 |
| Pretax return on assets | 0.9004% | 3,887 |
| Return on Equity (ROE) | 6.1455% | 4,077 |
| Retained earnings to average equity (ytd only) | 6.1455% | 2,234 |
| Net charge-offs to loans | 0.2859% | 1,392 |
| Credit loss provision to net charge-offs | 240.0000% | 1,016 |
| Earnings coverage of net charge-offs (x) | 18.4500% | 1,685 |
| Efficiency ratio | 46.9828% | 6,326 |
| Assets per employee ($millions) | 11.9472% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6412% | 580 |
| Loan loss allowance to noncurrent loans | 33.5160% | 5,696 |
| Noncurrent assets plus other real estate owned to assets | 1.5276% | 2,135 |
| Noncurrent loans to loans | 7.8805% | 138 |
| Net loans and leases to total assets | 18.8720% | 6,526 |
| Net loans and leases to deposits | 22.0477% | 6,534 |
| Net loans and leases to core deposits | 23.8812% | 6,521 |
| Total domestic deposits to total assets | 85.5963% | 3,245 |
| Equity capital to assets | 14.2433% | 883 |
| Core capital (leverage) ratio | 14.2143% | 771 |
| Tier 1 risk-based capital ratio | 33.7108% | 385 |
| Total risk-based capital ratio | 34.9258% | 379 |
| Memoranda: | ||
| Average total assets | $71,079,000 | 5,356 |
| Average earning assets | $67,715,670 | 5,277 |
| Average equity | $9,730,670 | 4,859 |
| Average total loans | $13,989,000 | 6,317 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1006% | 6,123 |
| Cost of funding earning assets | 1.0929% | 170 |
| Net interest margin | 2.0077% | 6,587 |
| Noninterest income to average assets | 0.0622% | 6,454 |
| Noninterest expense to average assets | 0.9042% | 6,692 |
| Loan and lease loss provision to assets | 0.1356% | 1,787 |
| Net operating income to assets | 0.8703% | 2,791 |
| Return on assets (ROA) | 0.8703% | 2,859 |
| Pretax return on assets | 0.9325% | 3,585 |
| Return on Equity (ROE) | 6.4904% | 3,757 |
| Retained earnings to average equity (ytd only) | 6.4904% | 2,288 |
| Net charge-offs to loans | -0.0285% | 5,530 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8453% | 6,436 |
| Assets per employee ($millions) | 11.9533% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6581% | 671 |
| Loan loss allowance to noncurrent loans | 96.5517% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 0.5257% | 4,575 |
| Noncurrent loans to loans | 2.7530% | 1,219 |
| Net loans and leases to total assets | 18.5862% | 6,601 |
| Net loans and leases to deposits | 21.5923% | 6,602 |
| Net loans and leases to core deposits | 23.3708% | 6,591 |
| Total domestic deposits to total assets | 86.0778% | 3,329 |
| Equity capital to assets | 13.7563% | 1,010 |
| Core capital (leverage) ratio | 14.2062% | 754 |
| Tier 1 risk-based capital ratio | 32.9308% | 415 |
| Total risk-based capital ratio | 33.9940% | 414 |
| Memoranda: | ||
| Average total assets | $70,777,000 | 5,414 |
| Average earning assets | $67,341,000 | 5,340 |
| Average equity | $9,491,000 | 4,936 |
| Average total loans | $14,036,000 | 6,379 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1549% | 6,188 |
| Cost of funding earning assets | 1.1782% | 199 |
| Net interest margin | 1.9767% | 6,651 |
| Noninterest income to average assets | 0.1183% | 6,325 |
| Noninterest expense to average assets | 0.8885% | 6,763 |
| Loan and lease loss provision to assets | 0.1385% | 2,576 |
| Net operating income to assets | 0.9155% | 2,702 |
| Return on assets (ROA) | 0.8914% | 2,917 |
| Pretax return on assets | 0.9577% | 3,525 |
| Return on Equity (ROE) | 6.5350% | 3,810 |
| Retained earnings to average equity (ytd only) | 6.2495% | 1,821 |
| Net charge-offs to loans | 0.1633% | 3,180 |
| Credit loss provision to net charge-offs | 384.0000% | 592 |
| Earnings coverage of net charge-offs (x) | 31.1200% | 1,147 |
| Efficiency ratio | 44.1894% | 6,612 |
| Assets per employee ($millions) | 11.6390% | 148 |
| Cash dividends to net income (ytd only)* | 4.3689% | 4,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3578% | 974 |
| Loan loss allowance to noncurrent loans | 117.3010% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.4138% | 5,013 |
| Noncurrent loans to loans | 2.0100% | 1,981 |
| Net loans and leases to total assets | 20.1034% | 6,666 |
| Net loans and leases to deposits | 23.1651% | 6,676 |
| Net loans and leases to core deposits | 25.1064% | 6,659 |
| Total domestic deposits to total assets | 86.7829% | 2,838 |
| Equity capital to assets | 13.0538% | 1,253 |
| Core capital (leverage) ratio | 14.0847% | 804 |
| Tier 1 risk-based capital ratio | 31.7943% | 438 |
| Total risk-based capital ratio | 32.8850% | 437 |
| Memoranda: | ||
| Average total assets | $69,331,200 | 5,501 |
| Average earning assets | $66,373,000 | 5,396 |
| Average equity | $9,456,800 | 4,992 |
| Average total loans | $15,310,000 | 6,402 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1390% | 6,269 |
| Cost of funding earning assets | 1.1884% | 211 |
| Net interest margin | 1.9506% | 6,736 |
| Noninterest income to average assets | 0.1387% | 6,335 |
| Noninterest expense to average assets | 0.8400% | 6,846 |
| Loan and lease loss provision to assets | 0.1387% | 2,561 |
| Net operating income to assets | 0.9360% | 2,657 |
| Return on assets (ROA) | 0.9325% | 2,787 |
| Pretax return on assets | 1.0249% | 3,399 |
| Return on Equity (ROE) | 6.7629% | 3,780 |
| Retained earnings to average equity (ytd only) | 6.7629% | 1,995 |
| Net charge-offs to loans | 0.1973% | 2,658 |
| Credit loss provision to net charge-offs | 313.0435% | 818 |
| Earnings coverage of net charge-offs (x) | 26.3443% | 1,351 |
| Efficiency ratio | 41.8426% | 6,714 |
| Assets per employee ($millions) | 11.5603% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1091% | 1,478 |
| Loan loss allowance to noncurrent loans | 52.3967% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 0.8722% | 3,930 |
| Noncurrent loans to loans | 4.0253% | 863 |
| Net loans and leases to total assets | 21.2119% | 6,732 |
| Net loans and leases to deposits | 24.5495% | 6,743 |
| Net loans and leases to core deposits | 26.7753% | 6,730 |
| Total domestic deposits to total assets | 86.4047% | 3,025 |
| Equity capital to assets | 13.3964% | 1,165 |
| Core capital (leverage) ratio | 14.0573% | 858 |
| Tier 1 risk-based capital ratio | 31.2470% | 465 |
| Total risk-based capital ratio | 32.2603% | 466 |
| Memoranda: | ||
| Average total assets | $69,205,500 | 5,556 |
| Average earning assets | $66,303,500 | 5,445 |
| Average equity | $9,542,000 | 5,022 |
| Average total loans | $15,543,000 | 6,459 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1211% | 6,318 |
| Cost of funding earning assets | 1.2002% | 214 |
| Net interest margin | 1.9209% | 6,789 |
| Noninterest income to average assets | 0.0752% | 6,602 |
| Noninterest expense to average assets | 0.8214% | 6,902 |
| Loan and lease loss provision to assets | 0.1388% | 2,594 |
| Net operating income to assets | 0.8935% | 2,833 |
| Return on assets (ROA) | 0.8908% | 2,991 |
| Pretax return on assets | 0.9544% | 3,697 |
| Return on Equity (ROE) | 6.3998% | 3,936 |
| Retained earnings to average equity (ytd only) | 6.3998% | 2,201 |
| Net charge-offs to loans | 0.2927% | 2,016 |
| Credit loss provision to net charge-offs | 208.6957% | 1,149 |
| Earnings coverage of net charge-offs (x) | 16.4783% | 1,663 |
| Efficiency ratio | 42.8356% | 6,736 |
| Assets per employee ($millions) | 11.5327% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8545% | 2,249 |
| Loan loss allowance to noncurrent loans | 149.4898% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.2833% | 5,632 |
| Noncurrent loans to loans | 1.2406% | 3,474 |
| Net loans and leases to total assets | 22.4088% | 6,756 |
| Net loans and leases to deposits | 25.8494% | 6,767 |
| Net loans and leases to core deposits | 27.9302% | 6,753 |
| Total domestic deposits to total assets | 86.6900% | 3,004 |
| Equity capital to assets | 13.1250% | 1,300 |
| Core capital (leverage) ratio | 13.6231% | 932 |
| Tier 1 risk-based capital ratio | 31.3785% | 461 |
| Total risk-based capital ratio | 32.3363% | 466 |
| Memoranda: | ||
| Average total assets | $69,153,330 | 5,601 |
| Average earning assets | $66,323,330 | 5,485 |
| Average equity | $9,625,330 | 5,029 |
| Average total loans | $15,714,000 | 6,486 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0852% | 6,414 |
| Cost of funding earning assets | 1.2209% | 211 |
| Net interest margin | 1.8644% | 6,880 |
| Noninterest income to average assets | 0.0289% | 6,793 |
| Noninterest expense to average assets | 0.8100% | 6,979 |
| Loan and lease loss provision to assets | 0.1389% | 2,509 |
| Net operating income to assets | 0.7106% | 3,638 |
| Return on assets (ROA) | 0.7059% | 3,797 |
| Pretax return on assets | 0.8679% | 3,881 |
| Return on Equity (ROE) | 4.9308% | 4,613 |
| Retained earnings to average equity (ytd only) | 4.9308% | 3,278 |
| Net charge-offs to loans | 0.6381% | 960 |
| Credit loss provision to net charge-offs | 96.0000% | 1,930 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,134 |
| Efficiency ratio | 44.4444% | 6,755 |
| Assets per employee ($millions) | 11.8175% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6892% | 3,054 |
| Loan loss allowance to noncurrent loans | 123.6111% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.3046% | 5,662 |
| Noncurrent loans to loans | 1.3666% | 3,515 |
| Net loans and leases to total assets | 21.9152% | 6,822 |
| Net loans and leases to deposits | 25.5984% | 6,830 |
| Net loans and leases to core deposits | 27.6254% | 6,805 |
| Total domestic deposits to total assets | 85.6117% | 3,729 |
| Equity capital to assets | 13.9793% | 1,030 |
| Core capital (leverage) ratio | 13.5516% | 925 |
| Tier 1 risk-based capital ratio | 30.1364% | 521 |
| Total risk-based capital ratio | 30.9911% | 535 |
| Memoranda: | ||
| Average total assets | $69,132,000 | 5,650 |
| Average earning assets | $66,510,500 | 5,528 |
| Average equity | $9,897,000 | 5,012 |
| Average total loans | $15,671,500 | 6,548 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2804% | 6,604 |
| Cost of funding earning assets | 1.4033% | 252 |
| Net interest margin | 1.8771% | 6,947 |
| Noninterest income to average assets | 0.0784% | 6,590 |
| Noninterest expense to average assets | 0.9781% | 7,016 |
| Loan and lease loss provision to assets | 0.1505% | 3,725 |
| Net operating income to assets | 0.7382% | 3,562 |
| Return on assets (ROA) | 0.9201% | 2,951 |
| Pretax return on assets | 0.9201% | 3,862 |
| Return on Equity (ROE) | 6.1128% | 4,109 |
| Retained earnings to average equity (ytd only) | 5.8316% | 2,174 |
| Net charge-offs to loans | -0.0064% | 6,408 |
| Credit loss provision to net charge-offs | -9,600.0000% | 6,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3929% | 6,430 |
| Assets per employee ($millions) | 9.6227% | 275 |
| Cash dividends to net income (ytd only)* | 4.5997% | 4,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7249% | 2,834 |
| Loan loss allowance to noncurrent loans | 103.0769% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.3860% | 5,522 |
| Noncurrent loans to loans | 1.6734% | 3,112 |
| Net loans and leases to total assets | 22.6681% | 6,882 |
| Net loans and leases to deposits | 26.7338% | 6,894 |
| Net loans and leases to core deposits | 28.9888% | 6,864 |
| Total domestic deposits to total assets | 84.7919% | 3,946 |
| Equity capital to assets | 14.6706% | 831 |
| Core capital (leverage) ratio | 13.8998% | 830 |
| Tier 1 risk-based capital ratio | 33.3621% | 386 |
| Total risk-based capital ratio | 34.3243% | 390 |
| Memoranda: | ||
| Average total assets | $63,800,000 | 5,825 |
| Average earning assets | $60,785,600 | 5,715 |
| Average equity | $9,602,800 | 5,076 |
| Average total loans | $15,715,400 | 6,615 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3624% | 6,666 |
| Cost of funding earning assets | 1.4446% | 252 |
| Net interest margin | 1.9179% | 7,060 |
| Noninterest income to average assets | 0.1017% | 6,609 |
| Noninterest expense to average assets | 0.9643% | 7,125 |
| Loan and lease loss provision to assets | 0.1526% | 3,623 |
| Net operating income to assets | 0.8054% | 3,425 |
| Return on assets (ROA) | 1.0533% | 2,491 |
| Pretax return on assets | 1.0533% | 3,523 |
| Return on Equity (ROE) | 6.9511% | 3,845 |
| Retained earnings to average equity (ytd only) | 6.9511% | 2,158 |
| Net charge-offs to loans | -0.0084% | 6,338 |
| Credit loss provision to net charge-offs | -7,200.0000% | 6,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1654% | 6,578 |
| Assets per employee ($millions) | 9.3387% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5985% | 3,520 |
| Loan loss allowance to noncurrent loans | 123.8579% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.3014% | 5,941 |
| Noncurrent loans to loans | 1.2906% | 3,886 |
| Net loans and leases to total assets | 22.9765% | 6,989 |
| Net loans and leases to deposits | 27.3046% | 6,991 |
| Net loans and leases to core deposits | 29.6938% | 6,969 |
| Total domestic deposits to total assets | 84.1489% | 4,150 |
| Equity capital to assets | 15.1734% | 784 |
| Core capital (leverage) ratio | 14.4268% | 727 |
| Tier 1 risk-based capital ratio | 32.1792% | 436 |
| Total risk-based capital ratio | 33.0300% | 444 |
| Memoranda: | ||
| Average total assets | $62,910,250 | 5,917 |
| Average earning assets | $59,717,500 | 5,817 |
| Average equity | $9,533,000 | 5,144 |
| Average total loans | $15,760,000 | 6,699 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4571% | 6,659 |
| Cost of funding earning assets | 1.4743% | 265 |
| Net interest margin | 1.9827% | 7,107 |
| Noninterest income to average assets | 0.1160% | 6,609 |
| Noninterest expense to average assets | 0.9728% | 7,193 |
| Loan and lease loss provision to assets | 0.1546% | 3,586 |
| Net operating income to assets | 0.8729% | 3,029 |
| Return on assets (ROA) | 1.2562% | 1,717 |
| Pretax return on assets | 1.2562% | 2,707 |
| Return on Equity (ROE) | 8.2941% | 3,115 |
| Retained earnings to average equity (ytd only) | 8.2941% | 1,527 |
| Net charge-offs to loans | 0.0628% | 4,550 |
| Credit loss provision to net charge-offs | 960.0000% | 341 |
| Earnings coverage of net charge-offs (x) | 63.8000% | 604 |
| Efficiency ratio | 48.6312% | 6,738 |
| Assets per employee ($millions) | 9.0736% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3263% | 4,764 |
| Loan loss allowance to noncurrent loans | 104.9020% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.3212% | 5,958 |
| Noncurrent loans to loans | 1.2643% | 4,022 |
| Net loans and leases to total assets | 25.0665% | 7,005 |
| Net loans and leases to deposits | 29.8196% | 7,012 |
| Net loans and leases to core deposits | 32.5064% | 6,982 |
| Total domestic deposits to total assets | 84.0605% | 4,296 |
| Equity capital to assets | 15.3161% | 713 |
| Core capital (leverage) ratio | 14.4987% | 694 |
| Tier 1 risk-based capital ratio | 31.7949% | 451 |
| Total risk-based capital ratio | 32.5409% | 463 |
| Memoranda: | ||
| Average total assets | $62,090,000 | 5,976 |
| Average earning assets | $59,009,330 | 5,870 |
| Average equity | $9,404,330 | 5,183 |
| Average total loans | $15,925,330 | 6,738 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4383% | 6,767 |
| Cost of funding earning assets | 1.5068% | 278 |
| Net interest margin | 1.9315% | 7,180 |
| Noninterest income to average assets | 0.0456% | 6,949 |
| Noninterest expense to average assets | 0.9776% | 7,258 |
| Loan and lease loss provision to assets | 0.1564% | 3,423 |
| Net operating income to assets | 0.7495% | 3,626 |
| Return on assets (ROA) | 1.5380% | 1,080 |
| Pretax return on assets | 1.5380% | 1,775 |
| Return on Equity (ROE) | 10.2137% | 2,324 |
| Retained earnings to average equity (ytd only) | 10.2137% | 1,213 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9031% | 6,553 |
| Assets per employee ($millions) | 10.4090% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 5,496 |
| Loan loss allowance to noncurrent loans | 168.1034% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.1857% | 6,415 |
| Noncurrent loans to loans | 0.7120% | 5,239 |
| Net loans and leases to total assets | 25.7742% | 7,045 |
| Net loans and leases to deposits | 30.4602% | 7,043 |
| Net loans and leases to core deposits | 32.5508% | 7,026 |
| Total domestic deposits to total assets | 84.6159% | 4,206 |
| Equity capital to assets | 14.9486% | 756 |
| Core capital (leverage) ratio | 14.6014% | 672 |
| Tier 1 risk-based capital ratio | 31.6520% | 451 |
| Total risk-based capital ratio | 32.3403% | 477 |
| Memoranda: | ||
| Average total assets | $61,377,500 | 6,025 |
| Average earning assets | $58,401,500 | 5,924 |
| Average equity | $9,242,500 | 5,233 |
| Average total loans | $15,820,500 | 6,804 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7383% | 6,803 |
| Cost of funding earning assets | 1.7328% | 286 |
| Net interest margin | 2.0055% | 7,220 |
| Noninterest income to average assets | 0.0503% | 6,833 |
| Noninterest expense to average assets | 1.0724% | 7,285 |
| Loan and lease loss provision to assets | 0.1724% | 4,474 |
| Net operating income to assets | 0.7077% | 3,452 |
| Return on assets (ROA) | 0.6934% | 3,708 |
| Pretax return on assets | 0.6934% | 4,344 |
| Return on Equity (ROE) | 4.4358% | 4,656 |
| Retained earnings to average equity (ytd only) | 4.1255% | 3,246 |
| Net charge-offs to loans | 0.8834% | 1,972 |
| Credit loss provision to net charge-offs | 61.9355% | 5,120 |
| Earnings coverage of net charge-offs (x) | 3.1613% | 3,629 |
| Efficiency ratio | 54.9218% | 6,434 |
| Assets per employee ($millions) | 10.0502% | 231 |
| Cash dividends to net income (ytd only)* | 6.9948% | 3,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 5,768 |
| Loan loss allowance to noncurrent loans | 127.6119% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.2222% | 6,406 |
| Noncurrent loans to loans | 0.8730% | 4,942 |
| Net loans and leases to total assets | 25.1704% | 7,137 |
| Net loans and leases to deposits | 29.9127% | 7,136 |
| Net loans and leases to core deposits | 32.0481% | 7,113 |
| Total domestic deposits to total assets | 84.1462% | 4,261 |
| Equity capital to assets | 15.1722% | 739 |
| Core capital (leverage) ratio | 14.6574% | 672 |
| Tier 1 risk-based capital ratio | 32.5832% | 402 |
| Total risk-based capital ratio | 33.2438% | 414 |
| Memoranda: | ||
| Average total assets | $55,671,600 | 6,174 |
| Average earning assets | $52,804,800 | 6,086 |
| Average equity | $8,702,000 | 5,359 |
| Average total loans | $17,545,400 | 6,782 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8270% | 6,812 |
| Cost of funding earning assets | 1.7602% | 305 |
| Net interest margin | 2.0669% | 7,289 |
| Noninterest income to average assets | 0.0563% | 6,934 |
| Noninterest expense to average assets | 1.0688% | 7,366 |
| Loan and lease loss provision to assets | 0.1761% | 4,277 |
| Net operating income to assets | 0.7729% | 3,290 |
| Return on assets (ROA) | 0.7582% | 3,514 |
| Pretax return on assets | 0.7582% | 4,288 |
| Return on Equity (ROE) | 4.8115% | 4,605 |
| Retained earnings to average equity (ytd only) | 4.8115% | 3,303 |
| Net charge-offs to loans | 1.1790% | 1,332 |
| Credit loss provision to net charge-offs | 45.0000% | 5,144 |
| Earnings coverage of net charge-offs (x) | 2.4250% | 3,911 |
| Efficiency ratio | 52.9697% | 6,597 |
| Assets per employee ($millions) | 9.4420% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7890% | 6,837 |
| Loan loss allowance to noncurrent loans | 79.7753% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 0.3142% | 6,286 |
| Noncurrent loans to loans | 0.9891% | 4,911 |
| Net loans and leases to total assets | 31.5170% | 7,035 |
| Net loans and leases to deposits | 37.9176% | 7,037 |
| Net loans and leases to core deposits | 40.9321% | 7,011 |
| Total domestic deposits to total assets | 83.1197% | 4,631 |
| Equity capital to assets | 16.1265% | 609 |
| Core capital (leverage) ratio | 15.7247% | 543 |
| Tier 1 risk-based capital ratio | 31.0218% | 492 |
| Total risk-based capital ratio | 31.5291% | 514 |
| Memoranda: | ||
| Average total assets | $54,514,250 | 6,262 |
| Average earning assets | $51,736,000 | 6,182 |
| Average equity | $8,590,250 | 5,414 |
| Average total loans | $18,094,500 | 6,815 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8652% | 6,850 |
| Cost of funding earning assets | 1.7875% | 327 |
| Net interest margin | 2.0776% | 7,351 |
| Noninterest income to average assets | 0.0632% | 6,987 |
| Noninterest expense to average assets | 1.0520% | 7,446 |
| Loan and lease loss provision to assets | 0.1784% | 4,136 |
| Net operating income to assets | 0.8029% | 3,061 |
| Return on assets (ROA) | 0.7881% | 3,252 |
| Pretax return on assets | 0.7881% | 4,079 |
| Return on Equity (ROE) | 5.0426% | 4,431 |
| Retained earnings to average equity (ytd only) | 5.0426% | 2,980 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7367% | 6,809 |
| Assets per employee ($millions) | 9.0128% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5542% | 3,884 |
| Loan loss allowance to noncurrent loans | 95.2218% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.5418% | 5,837 |
| Noncurrent loans to loans | 1.6322% | 3,959 |
| Net loans and leases to total assets | 32.6793% | 7,088 |
| Net loans and leases to deposits | 39.3244% | 7,088 |
| Net loans and leases to core deposits | 42.1655% | 7,063 |
| Total domestic deposits to total assets | 83.1019% | 4,713 |
| Equity capital to assets | 16.2842% | 576 |
| Core capital (leverage) ratio | 15.9477% | 515 |
| Tier 1 risk-based capital ratio | 34.4518% | 366 |
| Total risk-based capital ratio | 35.5675% | 363 |
| Memoranda: | ||
| Average total assets | $53,801,670 | 6,337 |
| Average earning assets | $51,020,000 | 6,255 |
| Average equity | $8,408,330 | 5,488 |
| Average total loans | $18,127,000 | 6,884 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8132% | 6,938 |
| Cost of funding earning assets | 1.8087% | 365 |
| Net interest margin | 2.0045% | 7,411 |
| Noninterest income to average assets | 0.0596% | 7,097 |
| Noninterest expense to average assets | 1.0137% | 7,514 |
| Loan and lease loss provision to assets | 0.1789% | 3,829 |
| Net operating income to assets | 0.7752% | 3,141 |
| Return on assets (ROA) | 0.7603% | 3,285 |
| Pretax return on assets | 0.7603% | 4,058 |
| Return on Equity (ROE) | 4.9699% | 4,423 |
| Retained earnings to average equity (ytd only) | 4.9699% | 3,214 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5152% | 6,891 |
| Assets per employee ($millions) | 9.0685% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4028% | 4,651 |
| Loan loss allowance to noncurrent loans | 115.9817% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.4025% | 6,198 |
| Noncurrent loans to loans | 1.2095% | 4,665 |
| Net loans and leases to total assets | 32.8114% | 7,136 |
| Net loans and leases to deposits | 38.8489% | 7,140 |
| Net loans and leases to core deposits | 42.2576% | 7,102 |
| Total domestic deposits to total assets | 84.4590% | 4,294 |
| Equity capital to assets | 15.2028% | 723 |
| Core capital (leverage) ratio | 15.6539% | 556 |
| Tier 1 risk-based capital ratio | 34.1610% | 372 |
| Total risk-based capital ratio | 35.1848% | 368 |
| Memoranda: | ||
| Average total assets | $53,664,000 | 6,385 |
| Average earning assets | $51,086,000 | 6,303 |
| Average equity | $8,209,500 | 5,555 |
| Average total loans | $18,215,000 | 6,929 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2744% | 6,826 |
| Cost of funding earning assets | 1.9720% | 671 |
| Net interest margin | 2.3024% | 7,367 |
| Noninterest income to average assets | 0.0633% | 7,050 |
| Noninterest expense to average assets | 1.1213% | 7,562 |
| Loan and lease loss provision to assets | 0.1899% | 5,332 |
| Net operating income to assets | 0.9295% | 2,279 |
| Return on assets (ROA) | 0.9117% | 2,476 |
| Pretax return on assets | 0.9117% | 3,237 |
| Return on Equity (ROE) | 5.5548% | 3,815 |
| Retained earnings to average equity (ytd only) | 5.2294% | 2,293 |
| Net charge-offs to loans | 0.0424% | 6,382 |
| Credit loss provision to net charge-offs | 1,200.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 70.7500% | 346 |
| Efficiency ratio | 50.0441% | 7,124 |
| Assets per employee ($millions) | 7.5596% | 578 |
| Cash dividends to net income (ytd only)* | 5.8568% | 3,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 5,227 |
| Loan loss allowance to noncurrent loans | 47.8170% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 0.9090% | 5,201 |
| Noncurrent loans to loans | 2.6251% | 2,898 |
| Net loans and leases to total assets | 34.1913% | 7,221 |
| Net loans and leases to deposits | 40.5846% | 7,237 |
| Net loans and leases to core deposits | 43.8703% | 7,206 |
| Total domestic deposits to total assets | 84.2470% | 4,248 |
| Equity capital to assets | 15.3958% | 698 |
| Core capital (leverage) ratio | 16.0917% | 496 |
| Tier 1 risk-based capital ratio | 33.4158% | 391 |
| Total risk-based capital ratio | 34.3337% | 395 |
| Memoranda: | ||
| Average total assets | $50,565,000 | 6,512 |
| Average earning assets | $47,819,800 | 6,442 |
| Average equity | $8,299,200 | 5,618 |
| Average total loans | $18,866,400 | 6,984 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4102% | 6,802 |
| Cost of funding earning assets | 2.0196% | 710 |
| Net interest margin | 2.3906% | 7,445 |
| Noninterest income to average assets | 0.0694% | 7,185 |
| Noninterest expense to average assets | 1.0805% | 7,686 |
| Loan and lease loss provision to assets | 0.1921% | 5,121 |
| Net operating income to assets | 1.0485% | 2,073 |
| Return on assets (ROA) | 1.0325% | 2,235 |
| Pretax return on assets | 1.0325% | 3,062 |
| Return on Equity (ROE) | 6.1890% | 3,731 |
| Retained earnings to average equity (ytd only) | 6.1890% | 2,267 |
| Net charge-offs to loans | 0.1965% | 4,765 |
| Credit loss provision to net charge-offs | 257.1429% | 1,285 |
| Earnings coverage of net charge-offs (x) | 16.6081% | 1,377 |
| Efficiency ratio | 46.5517% | 7,361 |
| Assets per employee ($millions) | 7.1913% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9803% | 6,478 |
| Loan loss allowance to noncurrent loans | 57.5851% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 0.6416% | 5,849 |
| Noncurrent loans to loans | 1.7023% | 4,085 |
| Net loans and leases to total assets | 37.3230% | 7,213 |
| Net loans and leases to deposits | 45.4146% | 7,187 |
| Net loans and leases to core deposits | 49.3836% | 7,143 |
| Total domestic deposits to total assets | 82.1828% | 4,922 |
| Equity capital to assets | 17.0842% | 507 |
| Core capital (leverage) ratio | 16.6470% | 475 |
| Tier 1 risk-based capital ratio | 33.3547% | 397 |
| Total risk-based capital ratio | 34.0997% | 400 |
| Memoranda: | ||
| Average total assets | $49,977,000 | 6,611 |
| Average earning assets | $47,071,750 | 6,555 |
| Average equity | $8,337,250 | 5,681 |
| Average total loans | $19,002,250 | 7,073 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4403% | 6,822 |
| Cost of funding earning assets | 2.0579% | 754 |
| Net interest margin | 2.3824% | 7,495 |
| Noninterest income to average assets | 0.0642% | 7,263 |
| Noninterest expense to average assets | 1.0711% | 7,759 |
| Loan and lease loss provision to assets | 0.1926% | 4,955 |
| Net operating income to assets | 1.0390% | 2,051 |
| Return on assets (ROA) | 1.0229% | 2,183 |
| Pretax return on assets | 1.0229% | 3,032 |
| Return on Equity (ROE) | 6.1821% | 3,708 |
| Retained earnings to average equity (ytd only) | 6.1821% | 2,236 |
| Net charge-offs to loans | 0.3051% | 3,788 |
| Credit loss provision to net charge-offs | 165.5172% | 2,378 |
| Earnings coverage of net charge-offs (x) | 10.5862% | 1,871 |
| Efficiency ratio | 46.5157% | 7,416 |
| Assets per employee ($millions) | 7.0409% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8183% | 6,993 |
| Loan loss allowance to noncurrent loans | 72.7273% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 0.4464% | 6,332 |
| Noncurrent loans to loans | 1.1251% | 5,076 |
| Net loans and leases to total assets | 39.3479% | 7,204 |
| Net loans and leases to deposits | 47.8497% | 7,169 |
| Net loans and leases to core deposits | 52.1009% | 7,131 |
| Total domestic deposits to total assets | 82.2323% | 4,892 |
| Equity capital to assets | 17.1103% | 511 |
| Core capital (leverage) ratio | 16.3350% | 526 |
| Tier 1 risk-based capital ratio | 32.3361% | 413 |
| Total risk-based capital ratio | 32.9676% | 425 |
| Memoranda: | ||
| Average total assets | $49,856,330 | 6,654 |
| Average earning assets | $46,843,670 | 6,593 |
| Average equity | $8,249,670 | 5,712 |
| Average total loans | $19,011,670 | 7,123 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4666% | 6,861 |
| Cost of funding earning assets | 2.0793% | 863 |
| Net interest margin | 2.3873% | 7,540 |
| Noninterest income to average assets | 0.0479% | 7,475 |
| Noninterest expense to average assets | 1.0371% | 7,870 |
| Loan and lease loss provision to assets | 0.1915% | 4,584 |
| Net operating income to assets | 1.0450% | 2,020 |
| Return on assets (ROA) | 1.0291% | 2,132 |
| Pretax return on assets | 1.0291% | 2,972 |
| Return on Equity (ROE) | 6.3251% | 3,714 |
| Retained earnings to average equity (ytd only) | 6.3251% | 2,459 |
| Net charge-offs to loans | -0.0427% | 7,302 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6140% | 7,565 |
| Assets per employee ($millions) | 8.4745% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8820% | 6,894 |
| Loan loss allowance to noncurrent loans | 73.6842% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 0.4484% | 6,344 |
| Noncurrent loans to loans | 1.1970% | 4,967 |
| Net loans and leases to total assets | 37.1290% | 7,383 |
| Net loans and leases to deposits | 44.5954% | 7,380 |
| Net loans and leases to core deposits | 51.9082% | 7,206 |
| Total domestic deposits to total assets | 83.2576% | 4,496 |
| Equity capital to assets | 16.1996% | 644 |
| Core capital (leverage) ratio | 16.1183% | 565 |
| Tier 1 risk-based capital ratio | 24.1492% | 951 |
| Total risk-based capital ratio | 24.6520% | 1,000 |
| Memoranda: | ||
| Average total assets | $50,141,500 | 6,728 |
| Average earning assets | $46,746,500 | 6,673 |
| Average equity | $8,158,000 | 5,789 |
| Average total loans | $18,741,000 | 7,227 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7284% | 7,091 |
| Cost of funding earning assets | 2.3776% | 1,371 |
| Net interest margin | 2.3508% | 7,544 |
| Noninterest income to average assets | 0.0463% | 7,516 |
| Noninterest expense to average assets | 1.1713% | 7,914 |
| Loan and lease loss provision to assets | 0.1812% | 5,887 |
| Net operating income to assets | 0.9143% | 2,132 |
| Return on assets (ROA) | 0.8974% | 2,255 |
| Pretax return on assets | 0.8974% | 2,932 |
| Return on Equity (ROE) | 5.3777% | 3,483 |
| Retained earnings to average equity (ytd only) | 5.0369% | 1,802 |
| Net charge-offs to loans | 1.0127% | 2,391 |
| Credit loss provision to net charge-offs | 50.5882% | 6,736 |
| Earnings coverage of net charge-offs (x) | 3.0588% | 3,542 |
| Efficiency ratio | 51.6729% | 7,413 |
| Assets per employee ($millions) | 8.2393% | 458 |
| Cash dividends to net income (ytd only)* | 6.3380% | 3,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7703% | 7,205 |
| Loan loss allowance to noncurrent loans | 49.8246% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 0.5765% | 6,021 |
| Noncurrent loans to loans | 1.5460% | 4,336 |
| Net loans and leases to total assets | 37.0034% | 7,485 |
| Net loans and leases to deposits | 44.4999% | 7,495 |
| Net loans and leases to core deposits | 67.9633% | 6,880 |
| Total domestic deposits to total assets | 83.1540% | 4,456 |
| Equity capital to assets | 16.3423% | 652 |
| Core capital (leverage) ratio | 16.2525% | 577 |
| Tier 1 risk-based capital ratio | 32.5129% | 428 |
| Total risk-based capital ratio | 33.0944% | 437 |
| Memoranda: | ||
| Average total assets | $47,468,400 | 6,811 |
| Average earning assets | $44,835,200 | 6,728 |
| Average equity | $7,921,600 | 5,950 |
| Average total loans | $16,787,400 | 7,367 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8029% | 7,115 |
| Cost of funding earning assets | 2.4269% | 1,533 |
| Net interest margin | 2.3760% | 7,583 |
| Noninterest income to average assets | 0.0483% | 7,661 |
| Noninterest expense to average assets | 1.0785% | 8,018 |
| Loan and lease loss provision to assets | 0.1760% | 5,600 |
| Net operating income to assets | 1.0473% | 1,911 |
| Return on assets (ROA) | 1.0331% | 2,020 |
| Pretax return on assets | 1.0331% | 2,800 |
| Return on Equity (ROE) | 6.1571% | 3,461 |
| Retained earnings to average equity (ytd only) | 6.1571% | 1,874 |
| Net charge-offs to loans | 1.3190% | 1,552 |
| Credit loss provision to net charge-offs | 38.2716% | 6,440 |
| Earnings coverage of net charge-offs (x) | 2.6605% | 3,896 |
| Efficiency ratio | 46.8557% | 7,730 |
| Assets per employee ($millions) | 6.9376% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7029% | 7,359 |
| Loan loss allowance to noncurrent loans | 41.5842% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 0.6239% | 5,887 |
| Noncurrent loans to loans | 1.6902% | 4,107 |
| Net loans and leases to total assets | 36.6555% | 7,596 |
| Net loans and leases to deposits | 44.4370% | 7,608 |
| Net loans and leases to core deposits | 71.2838% | 6,890 |
| Total domestic deposits to total assets | 82.4887% | 4,459 |
| Equity capital to assets | 16.8276% | 659 |
| Core capital (leverage) ratio | 16.4441% | 619 |
| Tier 1 risk-based capital ratio | 32.8608% | 447 |
| Total risk-based capital ratio | 33.3846% | 458 |
| Memoranda: | ||
| Average total assets | $46,976,500 | 6,876 |
| Average earning assets | $44,555,000 | 6,794 |
| Average equity | $7,882,250 | 6,023 |
| Average total loans | $16,375,500 | 7,453 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8305% | 7,173 |
| Cost of funding earning assets | 2.4650% | 1,730 |
| Net interest margin | 2.3655% | 7,609 |
| Noninterest income to average assets | 0.0646% | 7,663 |
| Noninterest expense to average assets | 0.9516% | 8,134 |
| Loan and lease loss provision to assets | 0.1679% | 5,384 |
| Net operating income to assets | 1.1402% | 1,629 |
| Return on assets (ROA) | 1.1238% | 1,771 |
| Pretax return on assets | 1.1798% | 2,361 |
| Return on Equity (ROE) | 6.7046% | 3,324 |
| Retained earnings to average equity (ytd only) | 6.7046% | 1,691 |
| Net charge-offs to loans | -0.0631% | 7,882 |
| Credit loss provision to net charge-offs | -780.0000% | 7,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0781% | 8,000 |
| Assets per employee ($millions) | 6.7789% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6506% | 2,522 |
| Loan loss allowance to noncurrent loans | 77.8098% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 0.7313% | 5,587 |
| Noncurrent loans to loans | 2.1213% | 3,350 |
| Net loans and leases to total assets | 33.9037% | 7,780 |
| Net loans and leases to deposits | 40.9416% | 7,793 |
| Net loans and leases to core deposits | 62.9273% | 7,338 |
| Total domestic deposits to total assets | 82.8100% | 4,327 |
| Equity capital to assets | 16.6505% | 720 |
| Core capital (leverage) ratio | 16.7821% | 642 |
| Tier 1 risk-based capital ratio | 34.3778% | 434 |
| Total risk-based capital ratio | 35.5676% | 429 |
| Memoranda: | ||
| Average total assets | $46,447,670 | 6,963 |
| Average earning assets | $44,218,670 | 6,873 |
| Average equity | $7,785,670 | 6,095 |
| Average total loans | $15,858,330 | 7,540 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9821% | 6,975 |
| Cost of funding earning assets | 2.5372% | 1,779 |
| Net interest margin | 2.4449% | 7,565 |
| Noninterest income to average assets | 0.0609% | 7,765 |
| Noninterest expense to average assets | 0.9925% | 8,172 |
| Loan and lease loss provision to assets | 0.1741% | 4,720 |
| Net operating income to assets | 1.1839% | 1,700 |
| Return on assets (ROA) | 1.1753% | 1,834 |
| Pretax return on assets | 1.1927% | 2,652 |
| Return on Equity (ROE) | 6.9876% | 3,601 |
| Retained earnings to average equity (ytd only) | 6.9876% | 2,211 |
| Net charge-offs to loans | -0.0769% | 7,816 |
| Credit loss provision to net charge-offs | -666.6667% | 6,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9118% | 8,001 |
| Assets per employee ($millions) | 6.5621% | 936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5438% | 2,742 |
| Loan loss allowance to noncurrent loans | 67.8474% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 0.7990% | 5,179 |
| Noncurrent loans to loans | 2.2754% | 2,892 |
| Net loans and leases to total assets | 34.5706% | 7,786 |
| Net loans and leases to deposits | 42.0774% | 7,778 |
| Net loans and leases to core deposits | 63.0885% | 7,351 |
| Total domestic deposits to total assets | 82.1596% | 4,485 |
| Equity capital to assets | 16.9413% | 728 |
| Core capital (leverage) ratio | 16.7749% | 681 |
| Tier 1 risk-based capital ratio | 34.4294% | 456 |
| Total risk-based capital ratio | 35.5464% | 450 |
| Memoranda: | ||
| Average total assets | $45,945,500 | 7,029 |
| Average earning assets | $43,355,000 | 6,964 |
| Average equity | $7,728,000 | 6,147 |
| Average total loans | $15,608,500 | 7,600 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2009% | 7,687 |
| Cost of funding earning assets | 3.0226% | 1,790 |
| Net interest margin | 2.1783% | 7,971 |
| Noninterest income to average assets | 0.0635% | 7,831 |
| Noninterest expense to average assets | 1.0857% | 8,190 |
| Loan and lease loss provision to assets | 0.1768% | 5,131 |
| Net operating income to assets | 0.8885% | 3,045 |
| Return on assets (ROA) | 0.8795% | 2,944 |
| Pretax return on assets | 0.8795% | 3,804 |
| Return on Equity (ROE) | 5.2130% | 4,277 |
| Retained earnings to average equity (ytd only) | 4.8502% | 2,112 |
| Net charge-offs to loans | -0.0970% | 8,089 |
| Credit loss provision to net charge-offs | -557.1429% | 7,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4742% | 7,628 |
| Assets per employee ($millions) | 6.5651% | 859 |
| Cash dividends to net income (ytd only)* | 6.9588% | 4,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4979% | 2,705 |
| Loan loss allowance to noncurrent loans | 305.4054% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.1610% | 6,926 |
| Noncurrent loans to loans | 0.4905% | 5,881 |
| Net loans and leases to total assets | 32.3396% | 7,932 |
| Net loans and leases to deposits | 39.3154% | 7,950 |
| Net loans and leases to core deposits | 59.0371% | 7,626 |
| Total domestic deposits to total assets | 82.2569% | 4,099 |
| Equity capital to assets | 16.6986% | 810 |
| Core capital (leverage) ratio | 16.7158% | 732 |
| Tier 1 risk-based capital ratio | 35.1122% | 436 |
| Total risk-based capital ratio | 36.1647% | 435 |
| Memoranda: | ||
| Average total assets | $44,117,600 | 7,022 |
| Average earning assets | $42,281,400 | 6,938 |
| Average equity | $7,443,000 | 6,298 |
| Average total loans | $14,439,200 | 7,683 |