Home > Cabool State Bank > Performance and Condition Ratios
Cabool State Bank, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6709% | 1,178 |
| Cost of funding earning assets | 0.2539% | 4,737 |
| Net interest margin | 4.4170% | 767 |
| Noninterest income to average assets | 0.3350% | 4,506 |
| Noninterest expense to average assets | 4.0710% | 614 |
| Loan and lease loss provision to assets | 2.4667% | 23 |
| Net operating income to assets | -2.4939% | 6,151 |
| Return on assets (ROA) | -2.4939% | 6,152 |
| Pretax return on assets | -2.4939% | 6,151 |
| Return on Equity (ROE) | -17.3324% | 6,133 |
| Retained earnings to average equity (ytd only) | -17.3324% | 6,111 |
| Net charge-offs to loans | 1.0074% | 202 |
| Credit loss provision to net charge-offs | 401.8277% | 760 |
| Earnings coverage of net charge-offs (x) | -0.0444% | 4,272 |
| Efficiency ratio | 100.6738% | 267 |
| Assets per employee ($millions) | 2.9160% | 5,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5861% | 61 |
| Loan loss allowance to noncurrent loans | 79.6868% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 4.4059% | 224 |
| Noncurrent loans to loans | 5.7551% | 151 |
| Net loans and leases to total assets | 55.2476% | 4,359 |
| Net loans and leases to deposits | 62.5036% | 4,594 |
| Net loans and leases to core deposits | 62.5036% | 4,846 |
| Total domestic deposits to total assets | 88.3911% | 1,428 |
| Equity capital to assets | 11.5076% | 2,352 |
| Core capital (leverage) ratio | 12.6533% | 1,282 |
| Tier 1 risk-based capital ratio | 17.9545% | 1,978 |
| Total risk-based capital ratio | 19.2408% | 1,925 |
| Memoranda: | ||
| Average total assets | $62,392,000 | 5,264 |
| Average earning assets | $52,388,200 | 5,375 |
| Average equity | $8,977,400 | 4,856 |
| Average total loans | $38,018,200 | 5,088 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2581% | 2,373 |
| Cost of funding earning assets | 0.2555% | 4,815 |
| Net interest margin | 4.0025% | 1,692 |
| Noninterest income to average assets | 0.3724% | 4,271 |
| Noninterest expense to average assets | 3.5193% | 1,254 |
| Loan and lease loss provision to assets | 0.3267% | 424 |
| Net operating income to assets | -0.0283% | 5,957 |
| Return on assets (ROA) | -0.0283% | 5,987 |
| Pretax return on assets | -0.0283% | 5,983 |
| Return on Equity (ROE) | -0.1865% | 5,983 |
| Retained earnings to average equity (ytd only) | -0.1865% | 5,633 |
| Net charge-offs to loans | 1.3610% | 113 |
| Credit loss provision to net charge-offs | 38.8601% | 3,172 |
| Earnings coverage of net charge-offs (x) | 0.3549% | 3,962 |
| Efficiency ratio | 92.1848% | 562 |
| Assets per employee ($millions) | 2.5683% | 5,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0284% | 4,594 |
| Loan loss allowance to noncurrent loans | 16.7384% | 5,610 |
| Noncurrent assets plus other real estate owned to assets | 5.0195% | 197 |
| Noncurrent loans to loans | 6.1439% | 131 |
| Net loans and leases to total assets | 60.7359% | 3,770 |
| Net loans and leases to deposits | 71.7390% | 3,798 |
| Net loans and leases to core deposits | 71.7390% | 4,212 |
| Total domestic deposits to total assets | 84.6623% | 3,146 |
| Equity capital to assets | 15.1106% | 714 |
| Core capital (leverage) ratio | 15.0566% | 628 |
| Tier 1 risk-based capital ratio | 21.7810% | 1,227 |
| Total risk-based capital ratio | 22.6945% | 1,253 |
| Memoranda: | ||
| Average total assets | $61,222,750 | 5,356 |
| Average earning assets | $52,698,750 | 5,435 |
| Average equity | $9,292,250 | 4,850 |
| Average total loans | $37,814,000 | 5,149 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4613% | 1,653 |
| Cost of funding earning assets | 0.2544% | 4,892 |
| Net interest margin | 4.2070% | 1,099 |
| Noninterest income to average assets | 0.2947% | 4,852 |
| Noninterest expense to average assets | 3.5165% | 1,277 |
| Loan and lease loss provision to assets | 0.4911% | 204 |
| Net operating income to assets | -0.0851% | 6,043 |
| Return on assets (ROA) | -0.0851% | 6,068 |
| Pretax return on assets | -0.0851% | 6,061 |
| Return on Equity (ROE) | -0.5600% | 6,062 |
| Retained earnings to average equity (ytd only) | -0.5600% | 5,620 |
| Net charge-offs to loans | 2.0418% | 70 |
| Credit loss provision to net charge-offs | 38.8601% | 2,832 |
| Earnings coverage of net charge-offs (x) | 0.3212% | 3,673 |
| Efficiency ratio | 89.6494% | 781 |
| Assets per employee ($millions) | 2.5120% | 6,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0107% | 4,815 |
| Loan loss allowance to noncurrent loans | 17.1668% | 5,712 |
| Noncurrent assets plus other real estate owned to assets | 5.0308% | 219 |
| Noncurrent loans to loans | 5.8872% | 164 |
| Net loans and leases to total assets | 63.1973% | 3,387 |
| Net loans and leases to deposits | 74.8296% | 3,400 |
| Net loans and leases to core deposits | 74.8296% | 3,875 |
| Total domestic deposits to total assets | 84.4549% | 3,369 |
| Equity capital to assets | 15.3676% | 635 |
| Core capital (leverage) ratio | 15.0730% | 600 |
| Tier 1 risk-based capital ratio | 21.2624% | 1,314 |
| Total risk-based capital ratio | 22.1594% | 1,351 |
| Memoranda: | ||
| Average total assets | $61,084,000 | 5,417 |
| Average earning assets | $52,674,670 | 5,493 |
| Average equity | $9,285,000 | 4,890 |
| Average total loans | $37,810,000 | 5,192 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3323% | 1,989 |
| Cost of funding earning assets | 0.2584% | 4,924 |
| Net interest margin | 4.0739% | 1,345 |
| Noninterest income to average assets | 0.2212% | 5,372 |
| Noninterest expense to average assets | 3.6304% | 1,099 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0781% | 5,918 |
| Return on assets (ROA) | 0.0781% | 5,965 |
| Pretax return on assets | 0.0781% | 5,973 |
| Return on Equity (ROE) | 0.5164% | 5,984 |
| Retained earnings to average equity (ytd only) | 0.5164% | 5,218 |
| Net charge-offs to loans | 0.6939% | 347 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.1846% | 3,091 |
| Efficiency ratio | 97.8947% | 432 |
| Assets per employee ($millions) | 2.5922% | 6,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4816% | 2,524 |
| Loan loss allowance to noncurrent loans | 34.7179% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 3.5169% | 468 |
| Noncurrent loans to loans | 4.2674% | 379 |
| Net loans and leases to total assets | 59.8557% | 3,674 |
| Net loans and leases to deposits | 70.5760% | 3,681 |
| Net loans and leases to core deposits | 70.5760% | 4,099 |
| Total domestic deposits to total assets | 84.8102% | 3,501 |
| Equity capital to assets | 15.0194% | 712 |
| Core capital (leverage) ratio | 15.0391% | 603 |
| Tier 1 risk-based capital ratio | 20.9465% | 1,435 |
| Total risk-based capital ratio | 22.1953% | 1,410 |
| Memoranda: | ||
| Average total assets | $61,481,500 | 5,463 |
| Average earning assets | $52,627,500 | 5,544 |
| Average equity | $9,295,000 | 4,918 |
| Average total loans | $37,470,000 | 5,230 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2433% | 2,807 |
| Cost of funding earning assets | 0.2848% | 4,956 |
| Net interest margin | 3.9584% | 2,014 |
| Noninterest income to average assets | 0.2593% | 5,276 |
| Noninterest expense to average assets | 3.3603% | 1,779 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2640% | 5,610 |
| Return on assets (ROA) | 0.2609% | 5,687 |
| Pretax return on assets | 0.2609% | 5,772 |
| Return on Equity (ROE) | 1.8250% | 5,811 |
| Retained earnings to average equity (ytd only) | 1.8250% | 4,895 |
| Net charge-offs to loans | 0.0995% | 3,087 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 4.5676% | 3,623 |
| Efficiency ratio | 92.7155% | 665 |
| Assets per employee ($millions) | 2.5313% | 6,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6827% | 1,818 |
| Loan loss allowance to noncurrent loans | 36.2739% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 3.8403% | 454 |
| Noncurrent loans to loans | 4.6390% | 348 |
| Net loans and leases to total assets | 60.1103% | 3,781 |
| Net loans and leases to deposits | 70.9233% | 3,796 |
| Net loans and leases to core deposits | 70.9233% | 4,228 |
| Total domestic deposits to total assets | 84.7539% | 3,391 |
| Equity capital to assets | 15.2198% | 663 |
| Core capital (leverage) ratio | 14.8118% | 645 |
| Tier 1 risk-based capital ratio | 23.1410% | 1,066 |
| Total risk-based capital ratio | 24.0546% | 1,089 |
| Memoranda: | ||
| Average total assets | $64,012,800 | 5,447 |
| Average earning assets | $54,415,800 | 5,562 |
| Average equity | $9,150,800 | 4,935 |
| Average total loans | $37,168,800 | 5,289 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1940% | 3,011 |
| Cost of funding earning assets | 0.2888% | 5,001 |
| Net interest margin | 3.9052% | 2,214 |
| Noninterest income to average assets | 0.2386% | 5,498 |
| Noninterest expense to average assets | 3.2886% | 1,926 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2591% | 5,714 |
| Return on assets (ROA) | 0.2550% | 5,787 |
| Pretax return on assets | 0.2550% | 5,852 |
| Return on Equity (ROE) | 1.8114% | 5,879 |
| Retained earnings to average equity (ytd only) | 1.8114% | 5,144 |
| Net charge-offs to loans | 0.1578% | 2,227 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.8635% | 3,805 |
| Efficiency ratio | 92.6957% | 662 |
| Assets per employee ($millions) | 2.6672% | 6,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6548% | 2,124 |
| Loan loss allowance to noncurrent loans | 33.8816% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 3.8570% | 529 |
| Noncurrent loans to loans | 4.8839% | 388 |
| Net loans and leases to total assets | 57.3774% | 4,153 |
| Net loans and leases to deposits | 67.0604% | 4,229 |
| Net loans and leases to core deposits | 67.0604% | 4,603 |
| Total domestic deposits to total assets | 85.5607% | 3,090 |
| Equity capital to assets | 14.3690% | 892 |
| Core capital (leverage) ratio | 14.1901% | 796 |
| Tier 1 risk-based capital ratio | 22.6480% | 1,167 |
| Total risk-based capital ratio | 23.5659% | 1,202 |
| Memoranda: | ||
| Average total assets | $64,828,500 | 5,489 |
| Average earning assets | $54,934,000 | 5,616 |
| Average equity | $9,127,000 | 4,976 |
| Average total loans | $37,175,500 | 5,333 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1354% | 3,206 |
| Cost of funding earning assets | 0.2936% | 5,026 |
| Net interest margin | 3.8419% | 2,405 |
| Noninterest income to average assets | 0.2304% | 5,550 |
| Noninterest expense to average assets | 3.1060% | 2,471 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3810% | 5,287 |
| Return on assets (ROA) | 0.3748% | 5,380 |
| Pretax return on assets | 0.3748% | 5,626 |
| Return on Equity (ROE) | 2.6803% | 5,639 |
| Retained earnings to average equity (ytd only) | 2.6803% | 4,503 |
| Net charge-offs to loans | 0.1024% | 2,660 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.5263% | 2,757 |
| Efficiency ratio | 89.0749% | 986 |
| Assets per employee ($millions) | 2.9484% | 5,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7369% | 2,016 |
| Loan loss allowance to noncurrent loans | 30.0889% | 5,780 |
| Noncurrent assets plus other real estate owned to assets | 4.1564% | 490 |
| Noncurrent loans to loans | 5.7726% | 289 |
| Net loans and leases to total assets | 56.0820% | 4,270 |
| Net loans and leases to deposits | 65.4958% | 4,321 |
| Net loans and leases to core deposits | 65.4958% | 4,683 |
| Total domestic deposits to total assets | 85.6269% | 3,230 |
| Equity capital to assets | 14.2051% | 901 |
| Core capital (leverage) ratio | 14.1276% | 797 |
| Tier 1 risk-based capital ratio | 22.7996% | 1,142 |
| Total risk-based capital ratio | 23.7164% | 1,174 |
| Memoranda: | ||
| Average total assets | $65,100,330 | 5,527 |
| Average earning assets | $55,181,670 | 5,655 |
| Average equity | $9,103,330 | 5,003 |
| Average total loans | $37,118,330 | 5,373 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0789% | 3,365 |
| Cost of funding earning assets | 0.3043% | 5,021 |
| Net interest margin | 3.7746% | 2,575 |
| Noninterest income to average assets | 0.2085% | 5,693 |
| Noninterest expense to average assets | 2.9807% | 2,932 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4232% | 5,031 |
| Return on assets (ROA) | 0.4232% | 5,095 |
| Pretax return on assets | 0.4232% | 5,374 |
| Return on Equity (ROE) | 3.0504% | 5,443 |
| Retained earnings to average equity (ytd only) | 3.0504% | 4,285 |
| Net charge-offs to loans | 0.1184% | 2,016 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.2727% | 2,244 |
| Efficiency ratio | 87.5676% | 1,276 |
| Assets per employee ($millions) | 2.9629% | 5,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7538% | 2,188 |
| Loan loss allowance to noncurrent loans | 32.7136% | 5,784 |
| Noncurrent assets plus other real estate owned to assets | 3.9856% | 598 |
| Noncurrent loans to loans | 5.3610% | 381 |
| Net loans and leases to total assets | 55.9478% | 4,145 |
| Net loans and leases to deposits | 65.1476% | 4,184 |
| Net loans and leases to core deposits | 65.1476% | 4,590 |
| Total domestic deposits to total assets | 85.8784% | 3,427 |
| Equity capital to assets | 13.9758% | 925 |
| Core capital (leverage) ratio | 14.1779% | 765 |
| Tier 1 risk-based capital ratio | 22.6133% | 1,191 |
| Total risk-based capital ratio | 23.5304% | 1,225 |
| Memoranda: | ||
| Average total assets | $65,218,500 | 5,586 |
| Average earning assets | $55,211,000 | 5,695 |
| Average equity | $9,048,000 | 5,042 |
| Average total loans | $37,167,500 | 5,417 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3861% | 2,631 |
| Cost of funding earning assets | 0.3770% | 4,871 |
| Net interest margin | 4.0091% | 1,923 |
| Noninterest income to average assets | 0.2165% | 5,785 |
| Noninterest expense to average assets | 3.2764% | 2,201 |
| Loan and lease loss provision to assets | 0.6387% | 381 |
| Net operating income to assets | -0.2211% | 6,376 |
| Return on assets (ROA) | -0.2211% | 6,387 |
| Pretax return on assets | -0.2211% | 6,369 |
| Return on Equity (ROE) | -1.5644% | 6,355 |
| Retained earnings to average equity (ytd only) | -1.5644% | 6,131 |
| Net charge-offs to loans | 1.1567% | 465 |
| Credit loss provision to net charge-offs | 96.2963% | 2,594 |
| Earnings coverage of net charge-offs (x) | 0.6296% | 4,871 |
| Efficiency ratio | 88.6949% | 1,147 |
| Assets per employee ($millions) | 2.9660% | 5,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7789% | 2,129 |
| Loan loss allowance to noncurrent loans | 34.5692% | 5,802 |
| Noncurrent assets plus other real estate owned to assets | 3.6673% | 768 |
| Noncurrent loans to loans | 5.1458% | 474 |
| Net loans and leases to total assets | 56.0173% | 4,316 |
| Net loans and leases to deposits | 65.1476% | 4,396 |
| Net loans and leases to core deposits | 65.1476% | 4,763 |
| Total domestic deposits to total assets | 85.9853% | 3,264 |
| Equity capital to assets | 13.7710% | 973 |
| Core capital (leverage) ratio | 14.0531% | 814 |
| Tier 1 risk-based capital ratio | 22.5224% | 1,174 |
| Total risk-based capital ratio | 23.4403% | 1,204 |
| Memoranda: | ||
| Average total assets | $65,133,400 | 5,618 |
| Average earning assets | $56,496,200 | 5,688 |
| Average equity | $9,204,600 | 5,037 |
| Average total loans | $37,347,400 | 5,449 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4347% | 2,481 |
| Cost of funding earning assets | 0.3869% | 4,928 |
| Net interest margin | 4.0478% | 1,793 |
| Noninterest income to average assets | 0.2253% | 5,817 |
| Noninterest expense to average assets | 3.2174% | 2,312 |
| Loan and lease loss provision to assets | 0.6676% | 328 |
| Net operating income to assets | -0.1249% | 6,411 |
| Return on assets (ROA) | -0.1249% | 6,439 |
| Pretax return on assets | -0.1249% | 6,419 |
| Return on Equity (ROE) | -0.8784% | 6,418 |
| Retained earnings to average equity (ytd only) | -0.8784% | 6,117 |
| Net charge-offs to loans | 0.0856% | 3,726 |
| Credit loss provision to net charge-offs | 1,358.3333% | 237 |
| Earnings coverage of net charge-offs (x) | 11.0413% | 2,286 |
| Efficiency ratio | 85.5664% | 1,405 |
| Assets per employee ($millions) | 2.7730% | 6,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6356% | 802 |
| Loan loss allowance to noncurrent loans | 34.7395% | 5,819 |
| Noncurrent assets plus other real estate owned to assets | 4.8322% | 595 |
| Noncurrent loans to loans | 7.5868% | 249 |
| Net loans and leases to total assets | 56.7623% | 4,208 |
| Net loans and leases to deposits | 66.2707% | 4,270 |
| Net loans and leases to core deposits | 66.2707% | 4,687 |
| Total domestic deposits to total assets | 85.6522% | 3,427 |
| Equity capital to assets | 14.2662% | 890 |
| Core capital (leverage) ratio | 14.2313% | 812 |
| Tier 1 risk-based capital ratio | 22.8901% | 1,167 |
| Total risk-based capital ratio | 23.8145% | 1,197 |
| Memoranda: | ||
| Average total assets | $65,103,500 | 5,680 |
| Average earning assets | $56,853,250 | 5,743 |
| Average equity | $9,259,250 | 5,080 |
| Average total loans | $37,380,500 | 5,502 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1414% | 3,577 |
| Cost of funding earning assets | 0.4044% | 4,901 |
| Net interest margin | 3.7370% | 2,818 |
| Noninterest income to average assets | 0.2044% | 5,981 |
| Noninterest expense to average assets | 3.1643% | 2,464 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3112% | 5,567 |
| Return on assets (ROA) | 0.3112% | 5,713 |
| Pretax return on assets | 0.3112% | 5,847 |
| Return on Equity (ROE) | 2.1906% | 5,888 |
| Retained earnings to average equity (ytd only) | 2.1906% | 4,882 |
| Net charge-offs to loans | 0.0534% | 3,929 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 10.2000% | 2,177 |
| Efficiency ratio | 91.0448% | 977 |
| Assets per employee ($millions) | 2.3979% | 6,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7973% | 2,441 |
| Loan loss allowance to noncurrent loans | 25.4089% | 6,170 |
| Noncurrent assets plus other real estate owned to assets | 4.4328% | 745 |
| Noncurrent loans to loans | 7.0735% | 333 |
| Net loans and leases to total assets | 56.3743% | 4,227 |
| Net loans and leases to deposits | 65.8150% | 4,283 |
| Net loans and leases to core deposits | 65.8150% | 4,707 |
| Total domestic deposits to total assets | 85.6558% | 3,553 |
| Equity capital to assets | 14.2901% | 877 |
| Core capital (leverage) ratio | 14.2678% | 755 |
| Tier 1 risk-based capital ratio | 23.2438% | 1,098 |
| Total risk-based capital ratio | 24.1586% | 1,137 |
| Memoranda: | ||
| Average total assets | $65,544,670 | 5,708 |
| Average earning assets | $57,372,330 | 5,766 |
| Average equity | $9,312,670 | 5,105 |
| Average total loans | $37,446,330 | 5,524 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1818% | 3,375 |
| Cost of funding earning assets | 0.4438% | 4,666 |
| Net interest margin | 3.7380% | 2,705 |
| Noninterest income to average assets | 0.1759% | 6,209 |
| Noninterest expense to average assets | 3.2209% | 2,289 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2244% | 5,807 |
| Return on assets (ROA) | 0.2244% | 5,934 |
| Pretax return on assets | 0.2244% | 6,033 |
| Return on Equity (ROE) | 1.5841% | 6,061 |
| Retained earnings to average equity (ytd only) | 1.5841% | 5,189 |
| Net charge-offs to loans | -0.1277% | 6,542 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4859% | 874 |
| Assets per employee ($millions) | 2.7685% | 6,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8407% | 2,477 |
| Loan loss allowance to noncurrent loans | 24.5633% | 6,211 |
| Noncurrent assets plus other real estate owned to assets | 4.5452% | 820 |
| Noncurrent loans to loans | 7.4936% | 366 |
| Net loans and leases to total assets | 55.2992% | 4,201 |
| Net loans and leases to deposits | 64.4897% | 4,256 |
| Net loans and leases to core deposits | 65.4081% | 4,601 |
| Total domestic deposits to total assets | 85.7489% | 3,661 |
| Equity capital to assets | 14.0810% | 1,000 |
| Core capital (leverage) ratio | 14.1478% | 759 |
| Tier 1 risk-based capital ratio | 23.0570% | 1,152 |
| Total risk-based capital ratio | 23.9734% | 1,183 |
| Memoranda: | ||
| Average total assets | $65,945,000 | 5,741 |
| Average earning assets | $57,678,000 | 5,808 |
| Average equity | $9,343,000 | 5,147 |
| Average total loans | $37,586,000 | 5,563 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4894% | 3,441 |
| Cost of funding earning assets | 0.5149% | 5,115 |
| Net interest margin | 3.9745% | 2,495 |
| Noninterest income to average assets | 0.2670% | 5,550 |
| Noninterest expense to average assets | 3.2680% | 2,433 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4852% | 4,743 |
| Return on assets (ROA) | 0.4852% | 4,996 |
| Pretax return on assets | 0.4852% | 5,328 |
| Return on Equity (ROE) | 3.4631% | 5,363 |
| Retained earnings to average equity (ytd only) | 3.4631% | 3,787 |
| Net charge-offs to loans | 0.2426% | 3,490 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 3.5333% | 3,690 |
| Efficiency ratio | 87.0732% | 1,326 |
| Assets per employee ($millions) | 2.7269% | 6,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7965% | 2,593 |
| Loan loss allowance to noncurrent loans | 28.5594% | 6,121 |
| Noncurrent assets plus other real estate owned to assets | 4.0323% | 1,058 |
| Noncurrent loans to loans | 6.2904% | 548 |
| Net loans and leases to total assets | 56.6299% | 4,179 |
| Net loans and leases to deposits | 66.1562% | 4,259 |
| Net loans and leases to core deposits | 67.1146% | 4,630 |
| Total domestic deposits to total assets | 85.6003% | 3,558 |
| Equity capital to assets | 14.2560% | 954 |
| Core capital (leverage) ratio | 14.2473% | 731 |
| Tier 1 risk-based capital ratio | 22.6816% | 1,154 |
| Total risk-based capital ratio | 23.6013% | 1,180 |
| Memoranda: | ||
| Average total assets | $65,544,600 | 5,762 |
| Average earning assets | $57,491,000 | 5,826 |
| Average equity | $9,182,600 | 5,178 |
| Average total loans | $37,105,200 | 5,629 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5641% | 3,365 |
| Cost of funding earning assets | 0.5281% | 5,259 |
| Net interest margin | 4.0361% | 2,357 |
| Noninterest income to average assets | 0.2623% | 5,685 |
| Noninterest expense to average assets | 3.2453% | 2,435 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5450% | 4,643 |
| Return on assets (ROA) | 0.5450% | 4,906 |
| Pretax return on assets | 0.5450% | 5,329 |
| Return on Equity (ROE) | 3.9070% | 5,324 |
| Retained earnings to average equity (ytd only) | 3.9070% | 4,138 |
| Net charge-offs to loans | 0.3176% | 2,857 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 3.0454% | 3,815 |
| Efficiency ratio | 85.6223% | 1,417 |
| Assets per employee ($millions) | 2.6745% | 6,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8331% | 2,698 |
| Loan loss allowance to noncurrent loans | 30.2895% | 6,113 |
| Noncurrent assets plus other real estate owned to assets | 3.9103% | 1,246 |
| Noncurrent loans to loans | 6.0520% | 672 |
| Net loans and leases to total assets | 56.7309% | 4,339 |
| Net loans and leases to deposits | 66.4944% | 4,410 |
| Net loans and leases to core deposits | 67.4802% | 4,781 |
| Total domestic deposits to total assets | 85.3168% | 3,609 |
| Equity capital to assets | 14.5025% | 970 |
| Core capital (leverage) ratio | 14.1421% | 785 |
| Tier 1 risk-based capital ratio | 22.7986% | 1,198 |
| Total risk-based capital ratio | 23.7157% | 1,232 |
| Memoranda: | ||
| Average total assets | $65,569,250 | 5,826 |
| Average earning assets | $57,314,750 | 5,900 |
| Average equity | $9,145,750 | 5,233 |
| Average total loans | $36,946,500 | 5,710 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4867% | 3,822 |
| Cost of funding earning assets | 0.5374% | 5,391 |
| Net interest margin | 3.9493% | 2,722 |
| Noninterest income to average assets | 0.2817% | 5,559 |
| Noninterest expense to average assets | 3.2925% | 2,329 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4392% | 5,081 |
| Return on assets (ROA) | 0.4392% | 5,307 |
| Pretax return on assets | 0.4392% | 5,603 |
| Return on Equity (ROE) | 3.1899% | 5,609 |
| Retained earnings to average equity (ytd only) | 3.1899% | 4,491 |
| Net charge-offs to loans | 0.4716% | 2,179 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.6667% | 4,155 |
| Efficiency ratio | 88.2305% | 1,216 |
| Assets per employee ($millions) | 2.7349% | 6,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8848% | 2,603 |
| Loan loss allowance to noncurrent loans | 31.7335% | 6,073 |
| Noncurrent assets plus other real estate owned to assets | 3.6732% | 1,427 |
| Noncurrent loans to loans | 5.9395% | 743 |
| Net loans and leases to total assets | 54.0092% | 4,801 |
| Net loans and leases to deposits | 62.9472% | 4,883 |
| Net loans and leases to core deposits | 63.8543% | 5,224 |
| Total domestic deposits to total assets | 85.8007% | 3,454 |
| Equity capital to assets | 13.9769% | 1,104 |
| Core capital (leverage) ratio | 13.9969% | 808 |
| Tier 1 risk-based capital ratio | 23.1665% | 1,110 |
| Total risk-based capital ratio | 24.0753% | 1,142 |
| Memoranda: | ||
| Average total assets | $66,029,330 | 5,845 |
| Average earning assets | $57,681,330 | 5,915 |
| Average equity | $9,091,330 | 5,237 |
| Average total loans | $36,897,000 | 5,737 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5399% | 3,755 |
| Cost of funding earning assets | 0.5451% | 5,528 |
| Net interest margin | 3.9949% | 2,527 |
| Noninterest income to average assets | 0.2597% | 5,790 |
| Noninterest expense to average assets | 3.4609% | 1,842 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2960% | 5,674 |
| Return on assets (ROA) | 0.2960% | 5,839 |
| Pretax return on assets | 0.2960% | 5,987 |
| Return on Equity (ROE) | 2.1657% | 6,018 |
| Retained earnings to average equity (ytd only) | 2.1657% | 5,180 |
| Net charge-offs to loans | 0.8369% | 1,232 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.6282% | 4,021 |
| Efficiency ratio | 92.1222% | 940 |
| Assets per employee ($millions) | 2.6479% | 6,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8746% | 2,754 |
| Loan loss allowance to noncurrent loans | 30.1573% | 6,168 |
| Noncurrent assets plus other real estate owned to assets | 4.7902% | 1,098 |
| Noncurrent loans to loans | 6.2160% | 794 |
| Net loans and leases to total assets | 54.5614% | 4,627 |
| Net loans and leases to deposits | 63.3282% | 4,725 |
| Net loans and leases to core deposits | 64.2292% | 5,085 |
| Total domestic deposits to total assets | 86.1565% | 3,439 |
| Equity capital to assets | 13.6758% | 1,159 |
| Core capital (leverage) ratio | 13.5732% | 921 |
| Tier 1 risk-based capital ratio | 22.2393% | 1,246 |
| Total risk-based capital ratio | 23.1583% | 1,274 |
| Memoranda: | ||
| Average total assets | $66,225,500 | 5,878 |
| Average earning assets | $57,974,500 | 5,937 |
| Average equity | $9,050,000 | 5,269 |
| Average total loans | $37,280,000 | 5,767 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6037% | 4,665 |
| Cost of funding earning assets | 0.7521% | 5,197 |
| Net interest margin | 3.8517% | 3,558 |
| Noninterest income to average assets | 0.3151% | 5,287 |
| Noninterest expense to average assets | 3.2343% | 2,749 |
| Loan and lease loss provision to assets | 0.0725% | 5,706 |
| Net operating income to assets | 0.3802% | 4,946 |
| Return on assets (ROA) | 0.3802% | 5,123 |
| Pretax return on assets | 0.3802% | 5,353 |
| Return on Equity (ROE) | 2.8799% | 5,337 |
| Retained earnings to average equity (ytd only) | 2.8799% | 4,198 |
| Net charge-offs to loans | 0.5319% | 2,876 |
| Credit loss provision to net charge-offs | 23.2227% | 5,875 |
| Earnings coverage of net charge-offs (x) | 1.4502% | 4,682 |
| Efficiency ratio | 87.7207% | 1,375 |
| Assets per employee ($millions) | 2.5482% | 6,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0343% | 2,170 |
| Loan loss allowance to noncurrent loans | 30.0705% | 6,196 |
| Noncurrent assets plus other real estate owned to assets | 5.2631% | 989 |
| Noncurrent loans to loans | 6.7652% | 671 |
| Net loans and leases to total assets | 55.8215% | 4,743 |
| Net loans and leases to deposits | 64.7978% | 4,900 |
| Net loans and leases to core deposits | 66.1504% | 5,240 |
| Total domestic deposits to total assets | 86.1473% | 3,232 |
| Equity capital to assets | 13.6550% | 1,190 |
| Core capital (leverage) ratio | 13.4979% | 966 |
| Tier 1 risk-based capital ratio | 21.8887% | 1,253 |
| Total risk-based capital ratio | 22.8130% | 1,275 |
| Memoranda: | ||
| Average total assets | $67,587,200 | 5,821 |
| Average earning assets | $59,169,200 | 5,893 |
| Average equity | $8,923,800 | 5,300 |
| Average total loans | $39,666,800 | 5,706 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6556% | 4,655 |
| Cost of funding earning assets | 0.8028% | 5,129 |
| Net interest margin | 3.8528% | 3,598 |
| Noninterest income to average assets | 0.3357% | 5,171 |
| Noninterest expense to average assets | 3.2724% | 2,586 |
| Loan and lease loss provision to assets | 0.0471% | 5,851 |
| Net operating income to assets | 0.3887% | 5,046 |
| Return on assets (ROA) | 0.3887% | 5,231 |
| Pretax return on assets | 0.3887% | 5,503 |
| Return on Equity (ROE) | 2.9685% | 5,434 |
| Retained earnings to average equity (ytd only) | 2.9685% | 4,575 |
| Net charge-offs to loans | 0.6675% | 2,243 |
| Credit loss provision to net charge-offs | 11.9403% | 5,650 |
| Earnings coverage of net charge-offs (x) | 1.1045% | 4,804 |
| Efficiency ratio | 88.2478% | 1,326 |
| Assets per employee ($millions) | 2.4256% | 6,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9605% | 2,442 |
| Loan loss allowance to noncurrent loans | 33.3777% | 6,060 |
| Noncurrent assets plus other real estate owned to assets | 4.8710% | 1,192 |
| Noncurrent loans to loans | 5.8738% | 962 |
| Net loans and leases to total assets | 57.4973% | 4,587 |
| Net loans and leases to deposits | 66.8602% | 4,777 |
| Net loans and leases to core deposits | 68.2749% | 5,150 |
| Total domestic deposits to total assets | 85.9963% | 3,214 |
| Equity capital to assets | 13.7670% | 1,260 |
| Core capital (leverage) ratio | 13.3923% | 1,078 |
| Tier 1 risk-based capital ratio | 21.3169% | 1,401 |
| Total risk-based capital ratio | 22.2466% | 1,434 |
| Memoranda: | ||
| Average total assets | $67,920,500 | 5,842 |
| Average earning assets | $59,453,750 | 5,926 |
| Average equity | $8,893,000 | 5,339 |
| Average total loans | $40,145,500 | 5,739 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6006% | 4,956 |
| Cost of funding earning assets | 0.8521% | 5,050 |
| Net interest margin | 3.7485% | 4,040 |
| Noninterest income to average assets | 0.3783% | 4,864 |
| Noninterest expense to average assets | 3.3464% | 2,413 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3346% | 5,231 |
| Return on assets (ROA) | 0.3346% | 5,370 |
| Pretax return on assets | 0.3346% | 5,584 |
| Return on Equity (ROE) | 2.5983% | 5,567 |
| Retained earnings to average equity (ytd only) | 2.5983% | 4,638 |
| Net charge-offs to loans | 0.3389% | 3,213 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.6667% | 4,040 |
| Efficiency ratio | 90.9091% | 1,173 |
| Assets per employee ($millions) | 2.4848% | 6,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1654% | 1,987 |
| Loan loss allowance to noncurrent loans | 30.6079% | 6,223 |
| Noncurrent assets plus other real estate owned to assets | 5.1201% | 1,193 |
| Noncurrent loans to loans | 7.0746% | 722 |
| Net loans and leases to total assets | 57.9842% | 4,627 |
| Net loans and leases to deposits | 67.0591% | 4,844 |
| Net loans and leases to core deposits | 68.4347% | 5,248 |
| Total domestic deposits to total assets | 86.4672% | 3,061 |
| Equity capital to assets | 13.3107% | 1,376 |
| Core capital (leverage) ratio | 12.9794% | 1,176 |
| Tier 1 risk-based capital ratio | 20.4956% | 1,517 |
| Total risk-based capital ratio | 21.4376% | 1,553 |
| Memoranda: | ||
| Average total assets | $68,730,670 | 5,861 |
| Average earning assets | $60,557,330 | 5,936 |
| Average equity | $8,852,000 | 5,361 |
| Average total loans | $40,724,670 | 5,768 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6116% | 4,894 |
| Cost of funding earning assets | 0.9353% | 4,686 |
| Net interest margin | 3.6763% | 4,218 |
| Noninterest income to average assets | 0.4946% | 3,935 |
| Noninterest expense to average assets | 3.3184% | 2,500 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4313% | 4,798 |
| Return on assets (ROA) | 0.4313% | 4,885 |
| Pretax return on assets | 0.4313% | 5,240 |
| Return on Equity (ROE) | 3.4041% | 5,191 |
| Retained earnings to average equity (ytd only) | 3.4041% | 4,149 |
| Net charge-offs to loans | 0.1456% | 3,616 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,351 |
| Efficiency ratio | 88.4969% | 1,459 |
| Assets per employee ($millions) | 2.3832% | 7,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2782% | 1,801 |
| Loan loss allowance to noncurrent loans | 29.0108% | 6,355 |
| Noncurrent assets plus other real estate owned to assets | 5.4866% | 1,106 |
| Noncurrent loans to loans | 7.8528% | 646 |
| Net loans and leases to total assets | 56.7888% | 4,850 |
| Net loans and leases to deposits | 65.2844% | 5,079 |
| Net loans and leases to core deposits | 66.5756% | 5,455 |
| Total domestic deposits to total assets | 86.9867% | 2,945 |
| Equity capital to assets | 12.8035% | 1,471 |
| Core capital (leverage) ratio | 12.5590% | 1,299 |
| Tier 1 risk-based capital ratio | 20.1426% | 1,562 |
| Total risk-based capital ratio | 21.0888% | 1,591 |
| Memoranda: | ||
| Average total assets | $69,551,500 | 5,874 |
| Average earning assets | $61,584,000 | 5,953 |
| Average equity | $8,813,000 | 5,383 |
| Average total loans | $41,206,000 | 5,800 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2792% | 3,222 |
| Cost of funding earning assets | 1.2516% | 4,207 |
| Net interest margin | 4.0276% | 2,896 |
| Noninterest income to average assets | 0.3095% | 5,589 |
| Noninterest expense to average assets | 3.4650% | 2,261 |
| Loan and lease loss provision to assets | 1.6871% | 841 |
| Net operating income to assets | -1.1138% | 6,749 |
| Return on assets (ROA) | -1.0955% | 6,764 |
| Pretax return on assets | -1.2092% | 6,743 |
| Return on Equity (ROE) | -8.1203% | 6,632 |
| Retained earnings to average equity (ytd only) | -12.1431% | 6,767 |
| Net charge-offs to loans | 2.5270% | 743 |
| Credit loss provision to net charge-offs | 102.8973% | 4,385 |
| Earnings coverage of net charge-offs (x) | 0.2792% | 5,827 |
| Efficiency ratio | 88.3303% | 1,453 |
| Assets per employee ($millions) | 2.4134% | 7,122 |
| Cash dividends to net income (ytd only)* | -49.5401% | 7,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2013% | 1,863 |
| Loan loss allowance to noncurrent loans | 25.7261% | 6,557 |
| Noncurrent assets plus other real estate owned to assets | 6.4639% | 879 |
| Noncurrent loans to loans | 8.5566% | 574 |
| Net loans and leases to total assets | 59.0350% | 4,838 |
| Net loans and leases to deposits | 67.6734% | 5,146 |
| Net loans and leases to core deposits | 69.6445% | 5,478 |
| Total domestic deposits to total assets | 87.2351% | 2,706 |
| Equity capital to assets | 12.5405% | 1,609 |
| Core capital (leverage) ratio | 12.2765% | 1,399 |
| Tier 1 risk-based capital ratio | 19.1171% | 1,691 |
| Total risk-based capital ratio | 20.0760% | 1,731 |
| Memoranda: | ||
| Average total assets | $69,467,000 | 5,905 |
| Average earning assets | $62,320,400 | 5,909 |
| Average equity | $9,371,600 | 5,309 |
| Average total loans | $45,073,800 | 5,702 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5523% | 2,244 |
| Cost of funding earning assets | 1.2898% | 4,291 |
| Net interest margin | 4.2625% | 1,979 |
| Noninterest income to average assets | 0.3154% | 5,627 |
| Noninterest expense to average assets | 3.4709% | 2,111 |
| Loan and lease loss provision to assets | 2.1460% | 531 |
| Net operating income to assets | -1.4554% | 7,098 |
| Return on assets (ROA) | -1.4287% | 7,110 |
| Pretax return on assets | -1.4364% | 7,027 |
| Return on Equity (ROE) | -10.4056% | 6,948 |
| Retained earnings to average equity (ytd only) | -14.3550% | 7,056 |
| Net charge-offs to loans | 2.6969% | 602 |
| Credit loss provision to net charge-offs | 120.5184% | 3,420 |
| Earnings coverage of net charge-offs (x) | 0.3834% | 5,644 |
| Efficiency ratio | 83.5648% | 1,884 |
| Assets per employee ($millions) | 2.4077% | 7,191 |
| Cash dividends to net income (ytd only)* | -37.9543% | 7,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4762% | 1,365 |
| Loan loss allowance to noncurrent loans | 34.2479% | 6,043 |
| Noncurrent assets plus other real estate owned to assets | 5.6099% | 1,093 |
| Noncurrent loans to loans | 7.2303% | 755 |
| Net loans and leases to total assets | 61.2563% | 4,674 |
| Net loans and leases to deposits | 70.5874% | 5,069 |
| Net loans and leases to core deposits | 72.6558% | 5,443 |
| Total domestic deposits to total assets | 86.7809% | 2,650 |
| Equity capital to assets | 12.8640% | 1,650 |
| Core capital (leverage) ratio | 12.8108% | 1,292 |
| Tier 1 risk-based capital ratio | 18.8102% | 1,792 |
| Total risk-based capital ratio | 19.7824% | 1,833 |
| Memoranda: | ||
| Average total assets | $69,336,500 | 5,963 |
| Average earning assets | $62,434,750 | 5,977 |
| Average equity | $9,520,250 | 5,338 |
| Average total loans | $45,780,250 | 5,745 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6263% | 2,036 |
| Cost of funding earning assets | 1.3341% | 4,301 |
| Net interest margin | 4.2922% | 1,805 |
| Noninterest income to average assets | 0.3123% | 5,667 |
| Noninterest expense to average assets | 3.4897% | 2,053 |
| Loan and lease loss provision to assets | 2.7727% | 382 |
| Net operating income to assets | -2.0408% | 7,316 |
| Return on assets (ROA) | -2.0007% | 7,313 |
| Pretax return on assets | -2.0123% | 7,243 |
| Return on Equity (ROE) | -14.2685% | 7,119 |
| Retained earnings to average equity (ytd only) | -18.1449% | 7,203 |
| Net charge-offs to loans | 3.2657% | 466 |
| Credit loss provision to net charge-offs | 126.5172% | 3,187 |
| Earnings coverage of net charge-offs (x) | 0.3285% | 5,402 |
| Efficiency ratio | 82.8984% | 2,055 |
| Assets per employee ($millions) | 2.2410% | 7,405 |
| Cash dividends to net income (ytd only)* | -27.1676% | 7,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4145% | 1,415 |
| Loan loss allowance to noncurrent loans | 29.2299% | 6,419 |
| Noncurrent assets plus other real estate owned to assets | 5.9810% | 988 |
| Noncurrent loans to loans | 8.2603% | 618 |
| Net loans and leases to total assets | 65.9492% | 3,845 |
| Net loans and leases to deposits | 76.5619% | 4,228 |
| Net loans and leases to core deposits | 78.9125% | 4,816 |
| Total domestic deposits to total assets | 86.1384% | 3,010 |
| Equity capital to assets | 13.5210% | 1,338 |
| Core capital (leverage) ratio | 12.8917% | 1,247 |
| Tier 1 risk-based capital ratio | 18.9053% | 1,744 |
| Total risk-based capital ratio | 19.8791% | 1,773 |
| Memoranda: | ||
| Average total assets | $69,174,330 | 6,002 |
| Average earning assets | $62,812,330 | 5,992 |
| Average equity | $9,699,670 | 5,287 |
| Average total loans | $46,421,330 | 5,741 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4918% | 2,627 |
| Cost of funding earning assets | 1.4296% | 3,993 |
| Net interest margin | 4.0622% | 2,602 |
| Noninterest income to average assets | 0.3022% | 5,736 |
| Noninterest expense to average assets | 3.4784% | 2,041 |
| Loan and lease loss provision to assets | 0.0513% | 6,149 |
| Net operating income to assets | 0.7413% | 3,255 |
| Return on assets (ROA) | 0.8211% | 2,969 |
| Pretax return on assets | 0.5303% | 4,856 |
| Return on Equity (ROE) | 5.7574% | 3,987 |
| Retained earnings to average equity (ytd only) | 1.9991% | 4,934 |
| Net charge-offs to loans | -0.0341% | 7,234 |
| Credit loss provision to net charge-offs | -225.0000% | 6,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3926% | 1,649 |
| Assets per employee ($millions) | 2.1914% | 7,552 |
| Cash dividends to net income (ytd only)* | 65.2778% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9322% | 2,355 |
| Loan loss allowance to noncurrent loans | 21.1789% | 6,951 |
| Noncurrent assets plus other real estate owned to assets | 6.5313% | 872 |
| Noncurrent loans to loans | 9.1234% | 522 |
| Net loans and leases to total assets | 65.7906% | 3,910 |
| Net loans and leases to deposits | 77.0779% | 4,209 |
| Net loans and leases to core deposits | 79.7094% | 4,796 |
| Total domestic deposits to total assets | 85.3559% | 3,483 |
| Equity capital to assets | 14.2833% | 1,073 |
| Core capital (leverage) ratio | 13.8999% | 982 |
| Tier 1 risk-based capital ratio | 19.8080% | 1,556 |
| Total risk-based capital ratio | 20.7922% | 1,577 |
| Memoranda: | ||
| Average total assets | $70,147,000 | 6,042 |
| Average earning assets | $63,513,000 | 6,042 |
| Average equity | $10,004,500 | 5,235 |
| Average total loans | $46,915,000 | 5,805 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6555% | 3,326 |
| Cost of funding earning assets | 1.8754% | 3,595 |
| Net interest margin | 3.7802% | 3,795 |
| Noninterest income to average assets | 0.3418% | 5,644 |
| Noninterest expense to average assets | 3.5917% | 2,165 |
| Loan and lease loss provision to assets | 0.4943% | 3,900 |
| Net operating income to assets | -0.2938% | 5,962 |
| Return on assets (ROA) | -0.2966% | 5,967 |
| Pretax return on assets | -0.2966% | 5,828 |
| Return on Equity (ROE) | -2.0443% | 5,864 |
| Retained earnings to average equity (ytd only) | -5.5488% | 6,093 |
| Net charge-offs to loans | 0.3556% | 4,449 |
| Credit loss provision to net charge-offs | 212.1212% | 1,811 |
| Earnings coverage of net charge-offs (x) | 0.8606% | 5,249 |
| Efficiency ratio | 94.7114% | 1,367 |
| Assets per employee ($millions) | 2.1928% | 7,580 |
| Cash dividends to net income (ytd only)* | -171.4286% | 7,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9151% | 2,223 |
| Loan loss allowance to noncurrent loans | 22.1782% | 6,955 |
| Noncurrent assets plus other real estate owned to assets | 6.1679% | 904 |
| Noncurrent loans to loans | 8.6351% | 549 |
| Net loans and leases to total assets | 65.3983% | 4,301 |
| Net loans and leases to deposits | 76.7122% | 4,625 |
| Net loans and leases to core deposits | 95.3737% | 4,531 |
| Total domestic deposits to total assets | 85.2515% | 3,432 |
| Equity capital to assets | 14.2411% | 1,096 |
| Core capital (leverage) ratio | 13.7259% | 1,036 |
| Tier 1 risk-based capital ratio | 19.8745% | 1,482 |
| Total risk-based capital ratio | 20.8551% | 1,502 |
| Memoranda: | ||
| Average total assets | $70,802,400 | 5,978 |
| Average earning assets | $64,626,800 | 5,970 |
| Average equity | $10,272,400 | 5,223 |
| Average total loans | $46,403,400 | 5,824 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6689% | 3,482 |
| Cost of funding earning assets | 1.9306% | 3,716 |
| Net interest margin | 3.7383% | 3,916 |
| Noninterest income to average assets | 0.3401% | 5,771 |
| Noninterest expense to average assets | 3.5606% | 2,121 |
| Loan and lease loss provision to assets | 0.6238% | 2,897 |
| Net operating income to assets | -0.4134% | 6,336 |
| Return on assets (ROA) | -0.4171% | 6,335 |
| Pretax return on assets | -0.4171% | 6,218 |
| Return on Equity (ROE) | -2.8619% | 6,226 |
| Retained earnings to average equity (ytd only) | -6.3299% | 6,425 |
| Net charge-offs to loans | 0.4895% | 3,268 |
| Credit loss provision to net charge-offs | 195.2941% | 2,306 |
| Earnings coverage of net charge-offs (x) | 0.6588% | 5,374 |
| Efficiency ratio | 94.4195% | 1,377 |
| Assets per employee ($millions) | 2.2470% | 7,563 |
| Cash dividends to net income (ytd only)* | -121.1730% | 8,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8932% | 2,054 |
| Loan loss allowance to noncurrent loans | 25.1006% | 6,781 |
| Noncurrent assets plus other real estate owned to assets | 5.2375% | 1,107 |
| Noncurrent loans to loans | 7.5425% | 682 |
| Net loans and leases to total assets | 62.9150% | 5,083 |
| Net loans and leases to deposits | 73.7272% | 5,397 |
| Net loans and leases to core deposits | 93.6528% | 5,055 |
| Total domestic deposits to total assets | 85.3348% | 3,060 |
| Equity capital to assets | 14.1131% | 1,271 |
| Core capital (leverage) ratio | 13.6190% | 1,197 |
| Tier 1 risk-based capital ratio | 20.1845% | 1,521 |
| Total risk-based capital ratio | 21.1621% | 1,531 |
| Memoranda: | ||
| Average total assets | $70,960,500 | 6,015 |
| Average earning assets | $65,126,250 | 5,999 |
| Average equity | $10,342,250 | 5,243 |
| Average total loans | $46,307,750 | 5,872 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8925% | 2,618 |
| Cost of funding earning assets | 1.9560% | 3,977 |
| Net interest margin | 3.9365% | 2,947 |
| Noninterest income to average assets | 0.3539% | 5,670 |
| Noninterest expense to average assets | 3.6464% | 1,956 |
| Loan and lease loss provision to assets | 0.8125% | 2,062 |
| Net operating income to assets | -0.4756% | 6,526 |
| Return on assets (ROA) | -0.4756% | 6,535 |
| Pretax return on assets | -0.4756% | 6,401 |
| Return on Equity (ROE) | -3.2286% | 6,390 |
| Retained earnings to average equity (ytd only) | -6.6686% | 6,523 |
| Net charge-offs to loans | 0.6211% | 2,481 |
| Credit loss provision to net charge-offs | 199.3056% | 2,297 |
| Earnings coverage of net charge-offs (x) | 0.8264% | 4,918 |
| Efficiency ratio | 91.5423% | 1,676 |
| Assets per employee ($millions) | 2.2553% | 7,614 |
| Cash dividends to net income (ytd only)* | -106.5476% | 8,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8770% | 1,850 |
| Loan loss allowance to noncurrent loans | 26.6292% | 6,728 |
| Noncurrent assets plus other real estate owned to assets | 4.4990% | 1,243 |
| Noncurrent loans to loans | 7.0488% | 685 |
| Net loans and leases to total assets | 61.8573% | 5,383 |
| Net loans and leases to deposits | 72.4195% | 5,682 |
| Net loans and leases to core deposits | 92.9385% | 5,245 |
| Total domestic deposits to total assets | 85.4152% | 3,055 |
| Equity capital to assets | 14.0804% | 1,287 |
| Core capital (leverage) ratio | 14.0745% | 1,123 |
| Tier 1 risk-based capital ratio | 20.4222% | 1,501 |
| Total risk-based capital ratio | 21.4012% | 1,511 |
| Memoranda: | ||
| Average total assets | $70,645,670 | 6,064 |
| Average earning assets | $65,133,330 | 6,042 |
| Average equity | $10,407,000 | 5,243 |
| Average total loans | $46,373,000 | 5,918 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3373% | 1,198 |
| Cost of funding earning assets | 1.9116% | 4,573 |
| Net interest margin | 4.4257% | 1,284 |
| Noninterest income to average assets | 0.3263% | 5,845 |
| Noninterest expense to average assets | 3.6518% | 1,751 |
| Loan and lease loss provision to assets | 0.0572% | 6,242 |
| Net operating income to assets | 0.6296% | 3,887 |
| Return on assets (ROA) | 0.6296% | 4,069 |
| Pretax return on assets | 0.7384% | 4,293 |
| Return on Equity (ROE) | 4.1787% | 4,855 |
| Retained earnings to average equity (ytd only) | 0.7598% | 5,359 |
| Net charge-offs to loans | 0.0085% | 5,537 |
| Credit loss provision to net charge-offs | 1,000.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 139.0000% | 315 |
| Efficiency ratio | 82.1107% | 2,516 |
| Assets per employee ($millions) | 2.1785% | 7,745 |
| Cash dividends to net income (ytd only)* | 81.8182% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5506% | 2,721 |
| Loan loss allowance to noncurrent loans | 15.0407% | 7,395 |
| Noncurrent assets plus other real estate owned to assets | 6.9499% | 495 |
| Noncurrent loans to loans | 10.3093% | 275 |
| Net loans and leases to total assets | 65.5746% | 4,680 |
| Net loans and leases to deposits | 79.3054% | 4,722 |
| Net loans and leases to core deposits | 97.8928% | 4,754 |
| Total domestic deposits to total assets | 82.6862% | 4,294 |
| Equity capital to assets | 15.1478% | 1,058 |
| Core capital (leverage) ratio | 14.6825% | 1,037 |
| Tier 1 risk-based capital ratio | 21.2469% | 1,411 |
| Total risk-based capital ratio | 22.2211% | 1,427 |
| Memoranda: | ||
| Average total assets | $69,883,000 | 6,119 |
| Average earning assets | $65,075,000 | 6,070 |
| Average equity | $10,529,500 | 5,229 |
| Average total loans | $46,811,000 | 5,924 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3378% | 3,741 |
| Cost of funding earning assets | 2.3755% | 4,830 |
| Net interest margin | 3.9623% | 3,300 |
| Noninterest income to average assets | 0.3081% | 6,245 |
| Noninterest expense to average assets | 3.5534% | 2,255 |
| Loan and lease loss provision to assets | 0.0581% | 6,684 |
| Net operating income to assets | 0.3919% | 5,185 |
| Return on assets (ROA) | 0.4215% | 4,887 |
| Pretax return on assets | 0.4360% | 5,167 |
| Return on Equity (ROE) | 2.7706% | 5,314 |
| Retained earnings to average equity (ytd only) | -0.5541% | 5,458 |
| Net charge-offs to loans | 0.2262% | 3,975 |
| Credit loss provision to net charge-offs | 41.2371% | 6,442 |
| Earnings coverage of net charge-offs (x) | 3.2887% | 4,440 |
| Efficiency ratio | 88.4588% | 1,635 |
| Assets per employee ($millions) | 2.1892% | 7,730 |
| Cash dividends to net income (ytd only)* | 120.0000% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5067% | 2,649 |
| Loan loss allowance to noncurrent loans | 26.8201% | 6,902 |
| Noncurrent assets plus other real estate owned to assets | 3.8414% | 1,102 |
| Noncurrent loans to loans | 5.6180% | 698 |
| Net loans and leases to total assets | 66.3455% | 4,785 |
| Net loans and leases to deposits | 83.0465% | 4,571 |
| Net loans and leases to core deposits | 102.8207% | 4,521 |
| Total domestic deposits to total assets | 79.8895% | 5,063 |
| Equity capital to assets | 14.9872% | 1,164 |
| Core capital (leverage) ratio | 14.7071% | 1,088 |
| Tier 1 risk-based capital ratio | 21.3651% | 1,411 |
| Total risk-based capital ratio | 22.3363% | 1,417 |
| Memoranda: | ||
| Average total assets | $68,806,400 | 6,068 |
| Average earning assets | $64,407,200 | 6,009 |
| Average equity | $10,467,000 | 5,276 |
| Average total loans | $42,878,600 | 6,030 |