Home > Buffalo Savings Bank > Performance and Condition Ratios
Buffalo Savings Bank, Performance and Condition Ratios
| 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 | 3.5823% | 5,198 |
| Cost of funding earning assets | 0.3602% | 4,321 |
| Net interest margin | 3.2221% | 4,864 |
| Noninterest income to average assets | -0.0969% | 6,603 |
| Noninterest expense to average assets | 3.7491% | 1,050 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.9206% | 6,519 |
| Return on assets (ROA) | -0.9206% | 6,516 |
| Pretax return on assets | -0.9206% | 6,500 |
| Return on Equity (ROE) | -10.7395% | 6,520 |
| Retained earnings to average equity (ytd only) | -10.7395% | 6,434 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.5482% | 89 |
| Assets per employee ($millions) | 3.6606% | 4,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2381% | 971 |
| Loan loss allowance to noncurrent loans | 274.7826% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 2.8563% | 908 |
| Noncurrent loans to loans | 0.8145% | 3,675 |
| Net loans and leases to total assets | 41.8971% | 5,684 |
| Net loans and leases to deposits | 46.3033% | 5,868 |
| Net loans and leases to core deposits | 47.5506% | 5,919 |
| Total domestic deposits to total assets | 90.4841% | 596 |
| Equity capital to assets | 8.8420% | 5,479 |
| Core capital (leverage) ratio | 9.3551% | 4,526 |
| Tier 1 risk-based capital ratio | 19.7311% | 1,749 |
| Total risk-based capital ratio | 20.9990% | 1,710 |
| Memoranda: | ||
| Average total assets | $33,021,330 | 6,328 |
| Average earning assets | $29,980,330 | 6,318 |
| Average equity | $2,830,670 | 6,425 |
| Average total loans | $14,754,670 | 6,293 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6369% | 5,045 |
| Cost of funding earning assets | 0.3982% | 3,992 |
| Net interest margin | 3.2387% | 4,783 |
| Noninterest income to average assets | -0.0847% | 6,658 |
| Noninterest expense to average assets | 3.0611% | 2,654 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1936% | 6,350 |
| Return on assets (ROA) | -0.1936% | 6,356 |
| Pretax return on assets | -0.1936% | 6,344 |
| Return on Equity (ROE) | -2.2943% | 6,365 |
| Retained earnings to average equity (ytd only) | -2.2943% | 5,881 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.7511% | 320 |
| Assets per employee ($millions) | 3.6866% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1376% | 1,256 |
| Loan loss allowance to noncurrent loans | 274.7826% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 3.0863% | 907 |
| Noncurrent loans to loans | 0.7779% | 3,913 |
| Net loans and leases to total assets | 43.6029% | 5,548 |
| Net loans and leases to deposits | 48.0009% | 5,730 |
| Net loans and leases to core deposits | 49.2796% | 5,807 |
| Total domestic deposits to total assets | 90.8376% | 630 |
| Equity capital to assets | 8.6983% | 5,447 |
| Core capital (leverage) ratio | 9.6856% | 4,015 |
| Tier 1 risk-based capital ratio | 19.7471% | 1,782 |
| Total risk-based capital ratio | 21.0179% | 1,744 |
| Memoranda: | ||
| Average total assets | $33,059,500 | 6,394 |
| Average earning assets | $30,135,500 | 6,379 |
| Average equity | $2,789,500 | 6,490 |
| Average total loans | $15,072,500 | 6,345 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6161% | 5,368 |
| Cost of funding earning assets | 0.4098% | 4,545 |
| Net interest margin | 3.2063% | 4,980 |
| Noninterest income to average assets | 0.1870% | 5,970 |
| Noninterest expense to average assets | 2.9236% | 3,301 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1662% | 5,902 |
| Return on assets (ROA) | 0.1662% | 5,970 |
| Pretax return on assets | 0.1662% | 5,996 |
| Return on Equity (ROE) | 1.9019% | 5,870 |
| Retained earnings to average equity (ytd only) | 1.9019% | 4,877 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6206% | 714 |
| Assets per employee ($millions) | 3.6600% | 4,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0570% | 1,430 |
| Loan loss allowance to noncurrent loans | 88.0223% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 4.0710% | 644 |
| Noncurrent loans to loans | 2.3369% | 1,641 |
| Net loans and leases to total assets | 45.6770% | 5,521 |
| Net loans and leases to deposits | 50.0066% | 5,768 |
| Net loans and leases to core deposits | 51.3393% | 5,848 |
| Total domestic deposits to total assets | 91.3418% | 457 |
| Equity capital to assets | 8.1755% | 5,891 |
| Core capital (leverage) ratio | 9.8003% | 3,839 |
| Tier 1 risk-based capital ratio | 19.4258% | 1,811 |
| Total risk-based capital ratio | 20.6878% | 1,767 |
| Memoranda: | ||
| Average total assets | $33,690,800 | 6,439 |
| Average earning assets | $30,502,800 | 6,439 |
| Average equity | $2,944,400 | 6,543 |
| Average total loans | $15,339,600 | 6,400 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5533% | 5,570 |
| Cost of funding earning assets | 0.4186% | 4,637 |
| Net interest margin | 3.1348% | 5,215 |
| Noninterest income to average assets | 0.2322% | 5,775 |
| Noninterest expense to average assets | 2.7746% | 3,749 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2873% | 5,660 |
| Return on assets (ROA) | 0.2873% | 5,767 |
| Pretax return on assets | 0.2873% | 5,905 |
| Return on Equity (ROE) | 3.2365% | 5,518 |
| Retained earnings to average equity (ytd only) | 3.2365% | 4,377 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6170% | 945 |
| Assets per employee ($millions) | 3.6211% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0755% | 1,558 |
| Loan loss allowance to noncurrent loans | 272.4138% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 3.7864% | 861 |
| Noncurrent loans to loans | 0.7619% | 4,323 |
| Net loans and leases to total assets | 45.7472% | 5,572 |
| Net loans and leases to deposits | 50.3665% | 5,810 |
| Net loans and leases to core deposits | 51.7314% | 5,904 |
| Total domestic deposits to total assets | 90.8285% | 602 |
| Equity capital to assets | 8.5885% | 5,636 |
| Core capital (leverage) ratio | 9.7801% | 3,993 |
| Tier 1 risk-based capital ratio | 19.7424% | 1,800 |
| Total risk-based capital ratio | 21.0122% | 1,759 |
| Memoranda: | ||
| Average total assets | $33,878,500 | 6,509 |
| Average earning assets | $30,581,000 | 6,502 |
| Average equity | $3,007,250 | 6,601 |
| Average total loans | $15,334,000 | 6,466 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4664% | 5,755 |
| Cost of funding earning assets | 0.4276% | 4,681 |
| Net interest margin | 3.0387% | 5,473 |
| Noninterest income to average assets | 0.0583% | 6,646 |
| Noninterest expense to average assets | 2.7049% | 4,011 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0874% | 6,155 |
| Return on assets (ROA) | 0.0874% | 6,239 |
| Pretax return on assets | 0.0874% | 6,244 |
| Return on Equity (ROE) | 0.9751% | 6,218 |
| Retained earnings to average equity (ytd only) | 0.9751% | 5,512 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8685% | 621 |
| Assets per employee ($millions) | 3.7662% | 4,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0329% | 1,781 |
| Loan loss allowance to noncurrent loans | 752.3810% | 597 |
| Noncurrent assets plus other real estate owned to assets | 3.9179% | 900 |
| Noncurrent loans to loans | 0.2702% | 5,629 |
| Net loans and leases to total assets | 44.9257% | 5,647 |
| Net loans and leases to deposits | 49.1194% | 5,914 |
| Net loans and leases to core deposits | 50.3638% | 6,006 |
| Total domestic deposits to total assets | 91.4621% | 390 |
| Equity capital to assets | 7.9980% | 6,199 |
| Core capital (leverage) ratio | 9.4199% | 4,358 |
| Tier 1 risk-based capital ratio | 18.8381% | 2,037 |
| Total risk-based capital ratio | 20.1069% | 1,993 |
| Memoranda: | ||
| Average total assets | $34,308,000 | 6,542 |
| Average earning assets | $30,868,000 | 6,542 |
| Average equity | $3,076,670 | 6,639 |
| Average total loans | $15,370,330 | 6,506 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4053% | 5,927 |
| Cost of funding earning assets | 0.4498% | 4,596 |
| Net interest margin | 2.9556% | 5,692 |
| Noninterest income to average assets | 0.2434% | 5,713 |
| Noninterest expense to average assets | 2.7119% | 4,012 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1970% | 5,905 |
| Return on assets (ROA) | 0.1970% | 6,014 |
| Pretax return on assets | 0.1970% | 6,089 |
| Return on Equity (ROE) | 2.0862% | 5,913 |
| Retained earnings to average equity (ytd only) | 2.0862% | 4,966 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2271% | 896 |
| Assets per employee ($millions) | 3.8268% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1555% | 1,675 |
| Loan loss allowance to noncurrent loans | 752.3810% | 602 |
| Noncurrent assets plus other real estate owned to assets | 4.2653% | 893 |
| Noncurrent loans to loans | 0.2865% | 5,690 |
| Net loans and leases to total assets | 41.6480% | 5,870 |
| Net loans and leases to deposits | 46.2143% | 6,046 |
| Net loans and leases to core deposits | 47.3837% | 6,131 |
| Total domestic deposits to total assets | 90.1193% | 974 |
| Equity capital to assets | 9.4074% | 4,989 |
| Core capital (leverage) ratio | 9.3190% | 4,366 |
| Tier 1 risk-based capital ratio | 19.4214% | 1,932 |
| Total risk-based capital ratio | 20.6863% | 1,903 |
| Memoranda: | ||
| Average total assets | $34,514,000 | 6,604 |
| Average earning assets | $31,127,500 | 6,595 |
| Average equity | $3,259,500 | 6,669 |
| Average total loans | $15,283,500 | 6,567 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8680% | 5,673 |
| Cost of funding earning assets | 0.5837% | 4,503 |
| Net interest margin | 3.2843% | 5,306 |
| Noninterest income to average assets | 0.1134% | 6,459 |
| Noninterest expense to average assets | 3.3328% | 2,247 |
| Loan and lease loss provision to assets | 0.2381% | 2,752 |
| Net operating income to assets | -0.5073% | 6,571 |
| Return on assets (ROA) | -0.1190% | 6,397 |
| Pretax return on assets | -0.1190% | 6,376 |
| Return on Equity (ROE) | -1.2333% | 6,402 |
| Retained earnings to average equity (ytd only) | -1.2333% | 6,049 |
| Net charge-offs to loans | 1.0109% | 1,076 |
| Credit loss provision to net charge-offs | 52.5000% | 4,631 |
| Earnings coverage of net charge-offs (x) | -0.5938% | 5,691 |
| Efficiency ratio | 108.7882% | 352 |
| Assets per employee ($millions) | 3.8430% | 4,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9865% | 2,047 |
| Loan loss allowance to noncurrent loans | 752.3810% | 579 |
| Noncurrent assets plus other real estate owned to assets | 4.1229% | 1,026 |
| Noncurrent loans to loans | 0.2640% | 5,818 |
| Net loans and leases to total assets | 45.0776% | 5,717 |
| Net loans and leases to deposits | 50.0642% | 5,950 |
| Net loans and leases to core deposits | 51.3267% | 6,063 |
| Total domestic deposits to total assets | 90.0396% | 927 |
| Equity capital to assets | 9.4804% | 4,900 |
| Core capital (leverage) ratio | 9.3971% | 4,257 |
| Tier 1 risk-based capital ratio | 18.7588% | 2,023 |
| Total risk-based capital ratio | 20.0282% | 1,981 |
| Memoranda: | ||
| Average total assets | $35,286,000 | 6,621 |
| Average earning assets | $31,696,200 | 6,618 |
| Average equity | $3,405,600 | 6,708 |
| Average total loans | $15,827,400 | 6,609 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8868% | 5,818 |
| Cost of funding earning assets | 0.6108% | 4,533 |
| Net interest margin | 3.2759% | 5,470 |
| Noninterest income to average assets | 0.4174% | 4,500 |
| Noninterest expense to average assets | 3.3200% | 2,215 |
| Loan and lease loss provision to assets | 0.1993% | 3,087 |
| Net operating income to assets | -0.1579% | 6,459 |
| Return on assets (ROA) | 0.0489% | 6,347 |
| Pretax return on assets | 0.0489% | 6,337 |
| Return on Equity (ROE) | 0.5042% | 6,337 |
| Retained earnings to average equity (ytd only) | 0.5042% | 5,935 |
| Net charge-offs to loans | 0.6410% | 1,718 |
| Credit loss provision to net charge-offs | 69.7368% | 3,911 |
| Earnings coverage of net charge-offs (x) | 0.1448% | 5,261 |
| Efficiency ratio | 98.7696% | 574 |
| Assets per employee ($millions) | 3.3886% | 5,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3464% | 1,440 |
| Loan loss allowance to noncurrent loans | 110.1493% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 6.4274% | 597 |
| Noncurrent loans to loans | 2.1302% | 2,691 |
| Net loans and leases to total assets | 45.3196% | 5,837 |
| Net loans and leases to deposits | 50.7586% | 6,055 |
| Net loans and leases to core deposits | 52.0982% | 6,176 |
| Total domestic deposits to total assets | 89.2847% | 1,251 |
| Equity capital to assets | 10.1930% | 4,215 |
| Core capital (leverage) ratio | 9.3342% | 4,524 |
| Tier 1 risk-based capital ratio | 18.7341% | 2,094 |
| Total risk-based capital ratio | 20.0035% | 2,055 |
| Memoranda: | ||
| Average total assets | $35,460,750 | 6,706 |
| Average earning assets | $31,867,750 | 6,694 |
| Average equity | $3,437,250 | 6,785 |
| Average total loans | $15,807,500 | 6,693 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8802% | 5,956 |
| Cost of funding earning assets | 0.6354% | 4,569 |
| Net interest margin | 3.2448% | 5,609 |
| Noninterest income to average assets | 0.4279% | 4,448 |
| Noninterest expense to average assets | 3.1012% | 2,926 |
| Loan and lease loss provision to assets | 0.1334% | 3,862 |
| Net operating income to assets | 0.1167% | 6,121 |
| Return on assets (ROA) | 0.1167% | 6,284 |
| Pretax return on assets | 0.1167% | 6,297 |
| Return on Equity (ROE) | 1.2239% | 6,258 |
| Retained earnings to average equity (ytd only) | 1.2239% | 5,586 |
| Net charge-offs to loans | 0.3031% | 2,816 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 1.8750% | 4,037 |
| Efficiency ratio | 92.5373% | 893 |
| Assets per employee ($millions) | 3.6239% | 4,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5518% | 1,211 |
| Loan loss allowance to noncurrent loans | 146.2687% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 5.4803% | 815 |
| Noncurrent loans to loans | 1.7446% | 3,285 |
| Net loans and leases to total assets | 41.3091% | 6,248 |
| Net loans and leases to deposits | 45.9259% | 6,445 |
| Net loans and leases to core deposits | 47.0459% | 6,512 |
| Total domestic deposits to total assets | 89.9473% | 953 |
| Equity capital to assets | 9.5643% | 4,958 |
| Core capital (leverage) ratio | 9.0304% | 4,867 |
| Tier 1 risk-based capital ratio | 18.5819% | 2,111 |
| Total risk-based capital ratio | 19.8550% | 2,058 |
| Memoranda: | ||
| Average total assets | $35,985,670 | 6,736 |
| Average earning assets | $32,421,000 | 6,725 |
| Average equity | $3,431,670 | 6,826 |
| Average total loans | $15,834,670 | 6,746 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9661% | 5,872 |
| Cost of funding earning assets | 0.6693% | 4,544 |
| Net interest margin | 3.2968% | 5,492 |
| Noninterest income to average assets | 0.4350% | 4,412 |
| Noninterest expense to average assets | 2.9783% | 3,337 |
| Loan and lease loss provision to assets | 0.2677% | 2,317 |
| Net operating income to assets | 0.1562% | 6,102 |
| Return on assets (ROA) | 0.1562% | 6,233 |
| Pretax return on assets | 0.1562% | 6,278 |
| Return on Equity (ROE) | 1.6401% | 6,180 |
| Retained earnings to average equity (ytd only) | 1.6401% | 5,416 |
| Net charge-offs to loans | 0.5973% | 1,596 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 1.5833% | 3,538 |
| Efficiency ratio | 87.5410% | 1,330 |
| Assets per employee ($millions) | 3.6781% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4033% | 1,499 |
| Loan loss allowance to noncurrent loans | 933.3333% | 414 |
| Noncurrent assets plus other real estate owned to assets | 4.2495% | 1,280 |
| Noncurrent loans to loans | 0.2575% | 6,176 |
| Net loans and leases to total assets | 43.2805% | 6,074 |
| Net loans and leases to deposits | 47.9719% | 6,290 |
| Net loans and leases to core deposits | 49.1206% | 6,386 |
| Total domestic deposits to total assets | 90.2205% | 962 |
| Equity capital to assets | 9.2847% | 5,110 |
| Core capital (leverage) ratio | 9.1529% | 4,598 |
| Tier 1 risk-based capital ratio | 17.7177% | 2,397 |
| Total risk-based capital ratio | 18.9887% | 2,364 |
| Memoranda: | ||
| Average total assets | $35,859,000 | 6,798 |
| Average earning assets | $32,273,500 | 6,787 |
| Average equity | $3,414,500 | 6,871 |
| Average total loans | $16,071,000 | 6,792 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9864% | 6,479 |
| Cost of funding earning assets | 0.8521% | 4,463 |
| Net interest margin | 3.1344% | 6,260 |
| Noninterest income to average assets | 0.2482% | 5,755 |
| Noninterest expense to average assets | 3.5022% | 1,972 |
| Loan and lease loss provision to assets | 0.2096% | 4,093 |
| Net operating income to assets | -0.5929% | 6,548 |
| Return on assets (ROA) | -0.3282% | 6,415 |
| Pretax return on assets | -0.3282% | 6,370 |
| Return on Equity (ROE) | -3.4706% | 6,440 |
| Retained earnings to average equity (ytd only) | -3.4706% | 6,324 |
| Net charge-offs to loans | 3.0948% | 296 |
| Credit loss provision to net charge-offs | 13.7931% | 5,983 |
| Earnings coverage of net charge-offs (x) | -0.2523% | 5,986 |
| Efficiency ratio | 112.2900% | 395 |
| Assets per employee ($millions) | 3.4937% | 5,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4762% | 1,347 |
| Loan loss allowance to noncurrent loans | 933.3333% | 418 |
| Noncurrent assets plus other real estate owned to assets | 4.8115% | 1,125 |
| Noncurrent loans to loans | 0.2653% | 6,191 |
| Net loans and leases to total assets | 44.1910% | 6,194 |
| Net loans and leases to deposits | 49.2629% | 6,420 |
| Net loans and leases to core deposits | 50.5087% | 6,504 |
| Total domestic deposits to total assets | 89.7043% | 1,155 |
| Equity capital to assets | 9.7719% | 4,480 |
| Core capital (leverage) ratio | 9.1276% | 4,580 |
| Tier 1 risk-based capital ratio | 18.3604% | 2,088 |
| Total risk-based capital ratio | 19.6094% | 2,057 |
| Memoranda: | ||
| Average total assets | $36,263,200 | 6,788 |
| Average earning assets | $33,212,600 | 6,775 |
| Average equity | $3,428,800 | 6,902 |
| Average total loans | $17,804,200 | 6,765 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9740% | 6,630 |
| Cost of funding earning assets | 0.8827% | 4,526 |
| Net interest margin | 3.0913% | 6,400 |
| Noninterest income to average assets | 0.2405% | 5,904 |
| Noninterest expense to average assets | 3.3629% | 2,300 |
| Loan and lease loss provision to assets | 0.2769% | 3,299 |
| Net operating income to assets | -0.5538% | 6,663 |
| Return on assets (ROA) | -0.2040% | 6,470 |
| Pretax return on assets | -0.2040% | 6,415 |
| Return on Equity (ROE) | -2.1751% | 6,494 |
| Retained earnings to average equity (ytd only) | -2.1751% | 6,317 |
| Net charge-offs to loans | 1.3918% | 1,085 |
| Credit loss provision to net charge-offs | 39.7906% | 5,252 |
| Earnings coverage of net charge-offs (x) | -0.3979% | 5,797 |
| Efficiency ratio | 108.9728% | 450 |
| Assets per employee ($millions) | 3.2560% | 5,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2575% | 324 |
| Loan loss allowance to noncurrent loans | 56.0358% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 5.8717% | 924 |
| Noncurrent loans to loans | 7.5978% | 612 |
| Net loans and leases to total assets | 47.2163% | 6,033 |
| Net loans and leases to deposits | 52.5970% | 6,319 |
| Net loans and leases to core deposits | 53.8944% | 6,467 |
| Total domestic deposits to total assets | 89.7699% | 1,001 |
| Equity capital to assets | 9.6996% | 4,779 |
| Core capital (leverage) ratio | 9.1165% | 4,767 |
| Tier 1 risk-based capital ratio | 18.1015% | 2,217 |
| Total risk-based capital ratio | 19.3972% | 2,164 |
| Memoranda: | ||
| Average total assets | $36,594,750 | 6,840 |
| Average earning assets | $33,684,750 | 6,825 |
| Average equity | $3,432,500 | 6,955 |
| Average total loans | $18,297,500 | 6,805 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9887% | 6,681 |
| Cost of funding earning assets | 0.9132% | 4,562 |
| Net interest margin | 3.0755% | 6,457 |
| Noninterest income to average assets | 0.2388% | 5,945 |
| Noninterest expense to average assets | 3.3972% | 2,267 |
| Loan and lease loss provision to assets | 0.4124% | 2,369 |
| Net operating income to assets | -0.7380% | 6,837 |
| Return on assets (ROA) | -0.7380% | 6,851 |
| Pretax return on assets | -0.7380% | 6,795 |
| Return on Equity (ROE) | -7.9563% | 6,865 |
| Retained earnings to average equity (ytd only) | -7.9563% | 6,776 |
| Net charge-offs to loans | 1.4479% | 1,035 |
| Credit loss provision to net charge-offs | 56.7164% | 4,421 |
| Earnings coverage of net charge-offs (x) | -0.4478% | 5,512 |
| Efficiency ratio | 110.6007% | 468 |
| Assets per employee ($millions) | 3.3351% | 5,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4897% | 279 |
| Loan loss allowance to noncurrent loans | 57.3352% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 5.9369% | 949 |
| Noncurrent loans to loans | 7.8306% | 594 |
| Net loans and leases to total assets | 46.9116% | 6,159 |
| Net loans and leases to deposits | 52.1057% | 6,464 |
| Net loans and leases to core deposits | 53.3495% | 6,600 |
| Total domestic deposits to total assets | 90.0316% | 957 |
| Equity capital to assets | 9.4423% | 4,903 |
| Core capital (leverage) ratio | 8.6509% | 5,305 |
| Tier 1 risk-based capital ratio | 17.0131% | 2,515 |
| Total risk-based capital ratio | 18.3087% | 2,470 |
| Memoranda: | ||
| Average total assets | $36,854,330 | 6,892 |
| Average earning assets | $33,946,000 | 6,870 |
| Average equity | $3,418,670 | 7,007 |
| Average total loans | $18,509,000 | 6,858 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9869% | 6,721 |
| Cost of funding earning assets | 0.9644% | 4,465 |
| Net interest margin | 3.0226% | 6,526 |
| Noninterest income to average assets | 0.2491% | 5,908 |
| Noninterest expense to average assets | 3.4869% | 2,038 |
| Loan and lease loss provision to assets | 0.0975% | 4,795 |
| Net operating income to assets | -0.5523% | 6,837 |
| Return on assets (ROA) | -0.5523% | 6,841 |
| Pretax return on assets | -0.5523% | 6,781 |
| Return on Equity (ROE) | -6.0071% | 6,866 |
| Retained earnings to average equity (ytd only) | -6.0071% | 6,595 |
| Net charge-offs to loans | 2.1329% | 582 |
| Credit loss provision to net charge-offs | 9.0000% | 4,391 |
| Earnings coverage of net charge-offs (x) | -0.4200% | 4,768 |
| Efficiency ratio | 115.0000% | 412 |
| Assets per employee ($millions) | 3.7805% | 4,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2282% | 364 |
| Loan loss allowance to noncurrent loans | 163.7131% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 3.3673% | 2,027 |
| Noncurrent loans to loans | 2.5827% | 2,914 |
| Net loans and leases to total assets | 46.4939% | 6,241 |
| Net loans and leases to deposits | 51.3707% | 6,522 |
| Net loans and leases to core deposits | 52.5534% | 6,652 |
| Total domestic deposits to total assets | 90.5065% | 837 |
| Equity capital to assets | 8.9565% | 5,274 |
| Core capital (leverage) ratio | 8.8821% | 4,802 |
| Tier 1 risk-based capital ratio | 17.0136% | 2,468 |
| Total risk-based capital ratio | 18.3069% | 2,425 |
| Memoranda: | ||
| Average total assets | $36,938,500 | 6,936 |
| Average earning assets | $34,011,000 | 6,919 |
| Average equity | $3,396,000 | 7,048 |
| Average total loans | $18,754,000 | 6,896 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5112% | 6,373 |
| Cost of funding earning assets | 1.1942% | 4,594 |
| Net interest margin | 3.3170% | 5,926 |
| Noninterest income to average assets | 0.2043% | 6,324 |
| Noninterest expense to average assets | 3.3462% | 2,593 |
| Loan and lease loss provision to assets | 0.1371% | 5,803 |
| Net operating income to assets | -0.2043% | 6,122 |
| Return on assets (ROA) | -0.2043% | 6,171 |
| Pretax return on assets | -0.2258% | 6,107 |
| Return on Equity (ROE) | -2.1358% | 6,187 |
| Retained earnings to average equity (ytd only) | -2.1358% | 5,985 |
| Net charge-offs to loans | 0.1435% | 5,498 |
| Credit loss provision to net charge-offs | 175.8621% | 1,898 |
| Earnings coverage of net charge-offs (x) | -1.1379% | 6,632 |
| Efficiency ratio | 102.7228% | 700 |
| Assets per employee ($millions) | 3.2793% | 5,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5262% | 268 |
| Loan loss allowance to noncurrent loans | 129.2101% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 4.1972% | 1,597 |
| Noncurrent loans to loans | 3.5030% | 2,162 |
| Net loans and leases to total assets | 50.6986% | 6,083 |
| Net loans and leases to deposits | 56.3418% | 6,411 |
| Net loans and leases to core deposits | 57.7036% | 6,583 |
| Total domestic deposits to total assets | 89.9839% | 1,111 |
| Equity capital to assets | 9.4422% | 4,480 |
| Core capital (leverage) ratio | 9.1918% | 4,181 |
| Tier 1 risk-based capital ratio | 17.1702% | 2,286 |
| Total risk-based capital ratio | 18.4658% | 2,229 |
| Memoranda: | ||
| Average total assets | $37,206,200 | 6,964 |
| Average earning assets | $34,248,200 | 6,941 |
| Average equity | $3,558,400 | 7,120 |
| Average total loans | $20,205,800 | 6,912 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5586% | 6,451 |
| Cost of funding earning assets | 1.2401% | 4,629 |
| Net interest margin | 3.3185% | 5,954 |
| Noninterest income to average assets | 0.2774% | 5,887 |
| Noninterest expense to average assets | 3.3857% | 2,337 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.0249% | 6,049 |
| Return on assets (ROA) | -0.0249% | 6,173 |
| Pretax return on assets | -0.0533% | 6,171 |
| Return on Equity (ROE) | -0.2594% | 6,178 |
| Retained earnings to average equity (ytd only) | -0.2594% | 5,848 |
| Net charge-offs to loans | 0.0130% | 6,486 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -7.4906% | 6,614 |
| Efficiency ratio | 101.6009% | 696 |
| Assets per employee ($millions) | 3.3244% | 5,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2108% | 312 |
| Loan loss allowance to noncurrent loans | 233.5180% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 3.1093% | 2,326 |
| Noncurrent loans to loans | 1.8032% | 3,942 |
| Net loans and leases to total assets | 52.4420% | 6,050 |
| Net loans and leases to deposits | 58.5593% | 6,420 |
| Net loans and leases to core deposits | 59.9619% | 6,601 |
| Total domestic deposits to total assets | 89.5537% | 1,093 |
| Equity capital to assets | 9.8201% | 4,391 |
| Core capital (leverage) ratio | 9.2145% | 4,344 |
| Tier 1 risk-based capital ratio | 16.7343% | 2,442 |
| Total risk-based capital ratio | 18.0302% | 2,385 |
| Memoranda: | ||
| Average total assets | $37,489,750 | 7,035 |
| Average earning assets | $34,512,750 | 7,011 |
| Average equity | $3,596,500 | 7,204 |
| Average total loans | $20,468,500 | 6,990 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6957% | 6,160 |
| Cost of funding earning assets | 1.2759% | 4,676 |
| Net interest margin | 3.4197% | 5,562 |
| Noninterest income to average assets | 0.2804% | 5,904 |
| Noninterest expense to average assets | 3.1801% | 2,976 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.2910% | 5,215 |
| Return on assets (ROA) | 0.2910% | 5,368 |
| Pretax return on assets | 0.2487% | 5,658 |
| Return on Equity (ROE) | 3.0570% | 5,189 |
| Retained earnings to average equity (ytd only) | 3.0570% | 4,154 |
| Net charge-offs to loans | 0.0097% | 6,218 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 633 |
| Efficiency ratio | 92.7469% | 1,143 |
| Assets per employee ($millions) | 3.4223% | 5,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1227% | 333 |
| Loan loss allowance to noncurrent loans | 680.6452% | 487 |
| Noncurrent assets plus other real estate owned to assets | 2.6033% | 2,782 |
| Noncurrent loans to loans | 0.6057% | 6,028 |
| Net loans and leases to total assets | 52.1397% | 6,198 |
| Net loans and leases to deposits | 58.0676% | 6,570 |
| Net loans and leases to core deposits | 59.5853% | 6,739 |
| Total domestic deposits to total assets | 89.7915% | 1,029 |
| Equity capital to assets | 9.5604% | 4,616 |
| Core capital (leverage) ratio | 9.2495% | 4,210 |
| Tier 1 risk-based capital ratio | 16.5519% | 2,455 |
| Total risk-based capital ratio | 17.8441% | 2,393 |
| Memoranda: | ||
| Average total assets | $37,797,000 | 7,083 |
| Average earning assets | $34,798,000 | 7,051 |
| Average equity | $3,598,330 | 7,239 |
| Average total loans | $20,618,000 | 7,035 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6746% | 6,333 |
| Cost of funding earning assets | 1.3030% | 4,793 |
| Net interest margin | 3.3717% | 5,699 |
| Noninterest income to average assets | 0.2957% | 5,781 |
| Noninterest expense to average assets | 3.0946% | 3,281 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4013% | 4,830 |
| Return on assets (ROA) | 0.4013% | 4,977 |
| Pretax return on assets | 0.3168% | 5,554 |
| Return on Equity (ROE) | 4.2246% | 4,792 |
| Retained earnings to average equity (ytd only) | 4.2246% | 3,616 |
| Net charge-offs to loans | -0.2127% | 7,686 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7121% | 1,378 |
| Assets per employee ($millions) | 3.4675% | 5,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1677% | 322 |
| Loan loss allowance to noncurrent loans | 531.6770% | 602 |
| Noncurrent assets plus other real estate owned to assets | 2.7528% | 2,637 |
| Noncurrent loans to loans | 0.7839% | 5,753 |
| Net loans and leases to total assets | 51.6032% | 6,310 |
| Net loans and leases to deposits | 57.3999% | 6,664 |
| Net loans and leases to core deposits | 58.8783% | 6,826 |
| Total domestic deposits to total assets | 89.9012% | 1,042 |
| Equity capital to assets | 9.4513% | 4,612 |
| Core capital (leverage) ratio | 9.2520% | 4,134 |
| Tier 1 risk-based capital ratio | 16.3291% | 2,515 |
| Total risk-based capital ratio | 17.6196% | 2,452 |
| Memoranda: | ||
| Average total assets | $37,873,000 | 7,168 |
| Average earning assets | $34,997,500 | 7,127 |
| Average equity | $3,598,000 | 7,312 |
| Average total loans | $20,691,000 | 7,113 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3146% | 5,106 |
| Cost of funding earning assets | 1.7001% | 4,507 |
| Net interest margin | 3.6145% | 4,502 |
| Noninterest income to average assets | 0.1682% | 6,875 |
| Noninterest expense to average assets | 3.2691% | 3,125 |
| Loan and lease loss provision to assets | 1.8093% | 1,248 |
| Net operating income to assets | -1.6876% | 6,954 |
| Return on assets (ROA) | -1.6824% | 6,956 |
| Pretax return on assets | -1.6747% | 6,800 |
| Return on Equity (ROE) | -15.8924% | 6,981 |
| Retained earnings to average equity (ytd only) | -21.2714% | 7,153 |
| Net charge-offs to loans | 2.3165% | 1,005 |
| Credit loss provision to net charge-offs | 131.8868% | 3,813 |
| Earnings coverage of net charge-offs (x) | 0.0943% | 6,061 |
| Efficiency ratio | 96.1919% | 1,305 |
| Assets per employee ($millions) | 3.4185% | 5,213 |
| Cash dividends to net income (ytd only)* | -33.8462% | 7,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0541% | 350 |
| Loan loss allowance to noncurrent loans | 132.8616% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 4.3055% | 1,518 |
| Noncurrent loans to loans | 3.0514% | 2,528 |
| Net loans and leases to total assets | 53.1819% | 6,290 |
| Net loans and leases to deposits | 59.2340% | 6,685 |
| Net loans and leases to core deposits | 71.8810% | 6,670 |
| Total domestic deposits to total assets | 89.7827% | 1,066 |
| Equity capital to assets | 9.5498% | 4,352 |
| Core capital (leverage) ratio | 9.1626% | 4,177 |
| Tier 1 risk-based capital ratio | 16.0047% | 2,522 |
| Total risk-based capital ratio | 17.2929% | 2,433 |
| Memoranda: | ||
| Average total assets | $38,634,600 | 7,146 |
| Average earning assets | $34,527,400 | 7,158 |
| Average equity | $4,090,000 | 7,251 |
| Average total loans | $22,879,600 | 7,031 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4590% | 4,637 |
| Cost of funding earning assets | 1.7797% | 4,482 |
| Net interest margin | 3.6793% | 4,170 |
| Noninterest income to average assets | 0.1131% | 7,328 |
| Noninterest expense to average assets | 3.1265% | 3,551 |
| Loan and lease loss provision to assets | 0.6582% | 2,771 |
| Net operating income to assets | -0.4217% | 6,347 |
| Return on assets (ROA) | -0.4217% | 6,342 |
| Pretax return on assets | -0.4114% | 6,213 |
| Return on Equity (ROE) | -3.8911% | 6,334 |
| Retained earnings to average equity (ytd only) | -10.8505% | 6,877 |
| Net charge-offs to loans | 2.2631% | 838 |
| Credit loss provision to net charge-offs | 48.3627% | 6,334 |
| Earnings coverage of net charge-offs (x) | 0.1814% | 5,840 |
| Efficiency ratio | 92.6829% | 1,484 |
| Assets per employee ($millions) | 3.4214% | 5,118 |
| Cash dividends to net income (ytd only)* | -178.8598% | 8,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1187% | 1,565 |
| Loan loss allowance to noncurrent loans | 52.1018% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 4.8040% | 1,231 |
| Noncurrent loans to loans | 4.0664% | 1,802 |
| Net loans and leases to total assets | 57.8185% | 5,913 |
| Net loans and leases to deposits | 65.5402% | 6,350 |
| Net loans and leases to core deposits | 79.8151% | 6,369 |
| Total domestic deposits to total assets | 88.2184% | 1,551 |
| Equity capital to assets | 11.0695% | 2,956 |
| Core capital (leverage) ratio | 10.5668% | 2,742 |
| Tier 1 risk-based capital ratio | 17.4365% | 2,133 |
| Total risk-based capital ratio | 18.7019% | 2,088 |
| Memoranda: | ||
| Average total assets | $38,892,500 | 7,203 |
| Average earning assets | $34,462,000 | 7,232 |
| Average equity | $4,214,750 | 7,277 |
| Average total loans | $23,388,750 | 7,068 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6080% | 4,036 |
| Cost of funding earning assets | 1.8869% | 4,335 |
| Net interest margin | 3.7211% | 3,870 |
| Noninterest income to average assets | -0.0356% | 7,999 |
| Noninterest expense to average assets | 2.9762% | 4,176 |
| Loan and lease loss provision to assets | 0.9514% | 1,779 |
| Net operating income to assets | -0.7479% | 6,793 |
| Return on assets (ROA) | -0.7479% | 6,797 |
| Pretax return on assets | -0.7326% | 6,627 |
| Return on Equity (ROE) | -6.9487% | 6,791 |
| Retained earnings to average equity (ytd only) | -17.3481% | 7,366 |
| Net charge-offs to loans | 1.6656% | 1,137 |
| Credit loss provision to net charge-offs | 94.4444% | 4,790 |
| Earnings coverage of net charge-offs (x) | 0.2172% | 5,456 |
| Efficiency ratio | 93.1529% | 1,556 |
| Assets per employee ($millions) | 3.4353% | 4,991 |
| Cash dividends to net income (ytd only)* | -149.6599% | 8,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8947% | 618 |
| Loan loss allowance to noncurrent loans | 51.8316% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 5.0148% | 1,056 |
| Noncurrent loans to loans | 5.5848% | 1,031 |
| Net loans and leases to total assets | 59.0346% | 5,837 |
| Net loans and leases to deposits | 66.7325% | 6,327 |
| Net loans and leases to core deposits | 79.5947% | 6,440 |
| Total domestic deposits to total assets | 88.4646% | 1,544 |
| Equity capital to assets | 10.7944% | 3,122 |
| Core capital (leverage) ratio | 10.1923% | 3,104 |
| Tier 1 risk-based capital ratio | 17.4687% | 2,163 |
| Total risk-based capital ratio | 18.7441% | 2,106 |
| Memoranda: | ||
| Average total assets | $39,311,670 | 7,241 |
| Average earning assets | $34,130,000 | 7,310 |
| Average equity | $4,231,000 | 7,325 |
| Average total loans | $23,774,670 | 7,099 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5910% | 4,414 |
| Cost of funding earning assets | 1.8599% | 4,829 |
| Net interest margin | 3.7311% | 3,756 |
| Noninterest income to average assets | 0.2994% | 6,039 |
| Noninterest expense to average assets | 3.0244% | 3,657 |
| Loan and lease loss provision to assets | 1.8666% | 657 |
| Net operating income to assets | -1.2876% | 7,408 |
| Return on assets (ROA) | -1.2876% | 7,424 |
| Pretax return on assets | -1.2876% | 7,295 |
| Return on Equity (ROE) | -11.9805% | 7,470 |
| Retained earnings to average equity (ytd only) | -32.4124% | 7,880 |
| Net charge-offs to loans | 3.2595% | 382 |
| Credit loss provision to net charge-offs | 94.9239% | 3,894 |
| Earnings coverage of net charge-offs (x) | 0.2944% | 4,739 |
| Efficiency ratio | 83.9335% | 2,314 |
| Assets per employee ($millions) | 3.5388% | 4,729 |
| Cash dividends to net income (ytd only)* | -170.5426% | 8,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7980% | 581 |
| Loan loss allowance to noncurrent loans | 51.8288% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 4.2952% | 1,154 |
| Noncurrent loans to loans | 5.3985% | 976 |
| Net loans and leases to total assets | 59.4369% | 5,749 |
| Net loans and leases to deposits | 67.0521% | 6,267 |
| Net loans and leases to core deposits | 78.9120% | 6,470 |
| Total domestic deposits to total assets | 88.6428% | 1,402 |
| Equity capital to assets | 10.5916% | 3,375 |
| Core capital (leverage) ratio | 10.1009% | 3,287 |
| Tier 1 risk-based capital ratio | 17.3058% | 2,245 |
| Total risk-based capital ratio | 18.5856% | 2,182 |
| Memoranda: | ||
| Average total assets | $40,073,500 | 7,245 |
| Average earning assets | $35,485,500 | 7,282 |
| Average equity | $4,307,000 | 7,349 |
| Average total loans | $24,175,500 | 7,122 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1399% | 4,832 |
| Cost of funding earning assets | 2.5424% | 3,991 |
| Net interest margin | 3.5975% | 4,902 |
| Noninterest income to average assets | 0.3743% | 5,701 |
| Noninterest expense to average assets | 2.8148% | 4,761 |
| Loan and lease loss provision to assets | 0.9431% | 1,569 |
| Net operating income to assets | -0.0384% | 6,426 |
| Return on assets (ROA) | -0.0384% | 6,277 |
| Pretax return on assets | 0.0120% | 6,133 |
| Return on Equity (ROE) | -0.3441% | 6,276 |
| Retained earnings to average equity (ytd only) | -7.0111% | 6,788 |
| Net charge-offs to loans | 0.0506% | 6,066 |
| Credit loss provision to net charge-offs | 3,023.0769% | 160 |
| Earnings coverage of net charge-offs (x) | 30.6154% | 1,157 |
| Efficiency ratio | 74.6658% | 3,468 |
| Assets per employee ($millions) | 3.7473% | 4,064 |
| Cash dividends to net income (ytd only)* | -1,937.5000% | 8,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7538% | 539 |
| Loan loss allowance to noncurrent loans | 75.9551% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 3.0980% | 1,482 |
| Noncurrent loans to loans | 3.6255% | 1,394 |
| Net loans and leases to total assets | 57.9136% | 6,209 |
| Net loans and leases to deposits | 65.5878% | 6,670 |
| Net loans and leases to core deposits | 82.2860% | 6,435 |
| Total domestic deposits to total assets | 88.2994% | 1,332 |
| Equity capital to assets | 10.8952% | 3,122 |
| Core capital (leverage) ratio | 10.4618% | 3,010 |
| Tier 1 risk-based capital ratio | 18.0691% | 2,021 |
| Total risk-based capital ratio | 19.3471% | 1,968 |
| Memoranda: | ||
| Average total assets | $41,672,800 | 7,143 |
| Average earning assets | $39,332,600 | 7,068 |
| Average equity | $4,649,800 | 7,279 |
| Average total loans | $25,691,800 | 6,987 |