Home > Carroll County Savings and Loan Association > Performance and Condition Ratios
Carroll County Savings and Loan Association, Performance and Condition Ratios
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6747% | 5,602 |
| Cost of funding earning assets | 0.8669% | 374 |
| Net interest margin | 1.8078% | 5,719 |
| Noninterest income to average assets | 0.0207% | 5,700 |
| Noninterest expense to average assets | 1.4088% | 5,620 |
| Loan and lease loss provision to assets | 0.5076% | 229 |
| Net operating income to assets | -0.2486% | 5,634 |
| Return on assets (ROA) | -0.2486% | 5,635 |
| Pretax return on assets | -0.1243% | 5,586 |
| Return on Equity (ROE) | -1.4313% | 5,602 |
| Retained earnings to average equity (ytd only) | -1.4313% | 5,281 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6127% | 1,380 |
| Assets per employee ($millions) | 4.7480% | 2,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8094% | 201 |
| Loan loss allowance to noncurrent loans | 112.3762% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 1.0636% | 1,645 |
| Noncurrent loans to loans | 2.5000% | 602 |
| Net loans and leases to total assets | 41.3490% | 5,176 |
| Net loans and leases to deposits | 50.2110% | 5,130 |
| Net loans and leases to core deposits | 51.9516% | 5,147 |
| Total domestic deposits to total assets | 82.3505% | 3,785 |
| Equity capital to assets | 17.6443% | 348 |
| Core capital (leverage) ratio | 16.1517% | 457 |
| Tier 1 risk-based capital ratio | 60.5967% | 82 |
| Total risk-based capital ratio | 61.8807% | 82 |
| Memoranda: | ||
| Average total assets | $19,307,330 | 5,721 |
| Average earning assets | $18,918,330 | 5,698 |
| Average equity | $3,353,670 | 5,602 |
| Average total loans | $8,166,330 | 5,684 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6210% | 5,676 |
| Cost of funding earning assets | 0.8597% | 361 |
| Net interest margin | 1.7613% | 5,791 |
| Noninterest income to average assets | 0.0411% | 5,742 |
| Noninterest expense to average assets | 1.2946% | 5,737 |
| Loan and lease loss provision to assets | 1.1713% | 72 |
| Net operating income to assets | -0.8220% | 5,774 |
| Return on assets (ROA) | -0.8220% | 5,773 |
| Pretax return on assets | -0.6987% | 5,756 |
| Return on Equity (ROE) | -4.7690% | 5,736 |
| Retained earnings to average equity (ytd only) | -4.7690% | 5,369 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2558% | 2,361 |
| Assets per employee ($millions) | 4.7920% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8306% | 216 |
| Loan loss allowance to noncurrent loans | 115.7635% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 1.0799% | 1,653 |
| Noncurrent loans to loans | 2.4452% | 647 |
| Net loans and leases to total assets | 42.0858% | 5,159 |
| Net loans and leases to deposits | 51.0085% | 5,065 |
| Net loans and leases to core deposits | 52.7531% | 5,118 |
| Total domestic deposits to total assets | 82.5073% | 4,008 |
| Equity capital to assets | 17.3988% | 348 |
| Core capital (leverage) ratio | 16.9997% | 363 |
| Tier 1 risk-based capital ratio | 58.6013% | 88 |
| Total risk-based capital ratio | 59.8840% | 88 |
| Memoranda: | ||
| Average total assets | $19,465,000 | 5,789 |
| Average earning assets | $19,076,500 | 5,762 |
| Average equity | $3,355,000 | 5,661 |
| Average total loans | $8,209,500 | 5,749 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7906% | 5,650 |
| Cost of funding earning assets | 0.8295% | 432 |
| Net interest margin | 1.9611% | 5,811 |
| Noninterest income to average assets | 0.0000% | 5,853 |
| Noninterest expense to average assets | 1.4358% | 5,755 |
| Loan and lease loss provision to assets | 0.0201% | 3,965 |
| Net operating income to assets | 0.3665% | 5,040 |
| Return on assets (ROA) | 0.3665% | 5,122 |
| Pretax return on assets | 0.4669% | 5,092 |
| Return on Equity (ROE) | 2.1817% | 5,361 |
| Retained earnings to average equity (ytd only) | 2.1817% | 4,291 |
| Net charge-offs to loans | 0.2270% | 1,227 |
| Credit loss provision to net charge-offs | 20.0000% | 3,675 |
| Earnings coverage of net charge-offs (x) | 4.8500% | 3,434 |
| Efficiency ratio | 74.6736% | 2,186 |
| Assets per employee ($millions) | 4.9405% | 2,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1806% | 478 |
| Loan loss allowance to noncurrent loans | 93.6508% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 0.9766% | 1,939 |
| Noncurrent loans to loans | 2.3284% | 705 |
| Net loans and leases to total assets | 40.1781% | 5,307 |
| Net loans and leases to deposits | 48.4737% | 5,277 |
| Net loans and leases to core deposits | 50.0189% | 5,301 |
| Total domestic deposits to total assets | 82.8863% | 3,803 |
| Equity capital to assets | 17.0782% | 379 |
| Core capital (leverage) ratio | 18.4245% | 260 |
| Tier 1 risk-based capital ratio | 58.8082% | 87 |
| Total risk-based capital ratio | 60.0802% | 87 |
| Memoranda: | ||
| Average total assets | $19,918,800 | 5,842 |
| Average earning assets | $19,530,200 | 5,809 |
| Average equity | $3,346,000 | 5,722 |
| Average total loans | $8,811,600 | 5,790 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8588% | 5,686 |
| Cost of funding earning assets | 0.8100% | 479 |
| Net interest margin | 2.0488% | 5,863 |
| Noninterest income to average assets | 0.0000% | 5,922 |
| Noninterest expense to average assets | 1.4497% | 5,794 |
| Loan and lease loss provision to assets | 0.0267% | 3,711 |
| Net operating income to assets | 0.4543% | 4,859 |
| Return on assets (ROA) | 0.4543% | 4,942 |
| Pretax return on assets | 0.5344% | 5,052 |
| Return on Equity (ROE) | 2.7154% | 5,295 |
| Retained earnings to average equity (ytd only) | 2.7154% | 4,266 |
| Net charge-offs to loans | 0.2968% | 773 |
| Credit loss provision to net charge-offs | 20.0000% | 3,301 |
| Earnings coverage of net charge-offs (x) | 4.1995% | 3,300 |
| Efficiency ratio | 72.0930% | 2,569 |
| Assets per employee ($millions) | 4.9395% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0991% | 608 |
| Loan loss allowance to noncurrent loans | 70.9163% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 1.2906% | 1,492 |
| Noncurrent loans to loans | 2.9599% | 511 |
| Net loans and leases to total assets | 42.0184% | 5,290 |
| Net loans and leases to deposits | 50.6807% | 5,267 |
| Net loans and leases to core deposits | 51.4789% | 5,331 |
| Total domestic deposits to total assets | 82.9082% | 3,631 |
| Equity capital to assets | 17.0564% | 427 |
| Core capital (leverage) ratio | 17.0728% | 363 |
| Tier 1 risk-based capital ratio | 54.3724% | 109 |
| Total risk-based capital ratio | 55.6470% | 110 |
| Memoranda: | ||
| Average total assets | $19,958,000 | 5,904 |
| Average earning assets | $19,588,000 | 5,870 |
| Average equity | $3,338,750 | 5,781 |
| Average total loans | $8,985,250 | 5,852 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0641% | 5,579 |
| Cost of funding earning assets | 0.8144% | 453 |
| Net interest margin | 2.2497% | 5,880 |
| Noninterest income to average assets | 0.0000% | 5,999 |
| Noninterest expense to average assets | 1.4282% | 5,889 |
| Loan and lease loss provision to assets | 0.0999% | 2,171 |
| Net operating income to assets | 0.5993% | 4,275 |
| Return on assets (ROA) | 0.5993% | 4,391 |
| Pretax return on assets | 0.6792% | 4,681 |
| Return on Equity (ROE) | 3.6054% | 5,055 |
| Retained earnings to average equity (ytd only) | 3.6054% | 3,598 |
| Net charge-offs to loans | 0.4370% | 516 |
| Credit loss provision to net charge-offs | 50.0000% | 2,666 |
| Earnings coverage of net charge-offs (x) | 3.9000% | 3,046 |
| Efficiency ratio | 63.8009% | 4,059 |
| Assets per employee ($millions) | 4.9560% | 2,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0876% | 629 |
| Loan loss allowance to noncurrent loans | 72.7273% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 1.3267% | 1,515 |
| Noncurrent loans to loans | 2.8704% | 533 |
| Net loans and leases to total assets | 43.5331% | 5,257 |
| Net loans and leases to deposits | 52.4269% | 5,231 |
| Net loans and leases to core deposits | 53.2486% | 5,314 |
| Total domestic deposits to total assets | 83.0357% | 3,640 |
| Equity capital to assets | 16.9592% | 436 |
| Core capital (leverage) ratio | 16.8572% | 379 |
| Tier 1 risk-based capital ratio | 52.2943% | 119 |
| Total risk-based capital ratio | 53.5698% | 118 |
| Memoranda: | ||
| Average total assets | $20,024,670 | 5,978 |
| Average earning assets | $19,646,670 | 5,944 |
| Average equity | $3,328,330 | 5,849 |
| Average total loans | $9,153,670 | 5,922 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7406% | 5,885 |
| Cost of funding earning assets | 0.8120% | 462 |
| Net interest margin | 1.9285% | 6,026 |
| Noninterest income to average assets | 0.0000% | 6,066 |
| Noninterest expense to average assets | 1.3118% | 6,001 |
| Loan and lease loss provision to assets | 0.1193% | 1,768 |
| Net operating income to assets | 0.3776% | 5,061 |
| Return on assets (ROA) | 0.3776% | 5,135 |
| Pretax return on assets | 0.4571% | 5,193 |
| Return on Equity (ROE) | 2.2950% | 5,435 |
| Retained earnings to average equity (ytd only) | 2.2950% | 4,340 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4737% | 3,219 |
| Assets per employee ($millions) | 5.0140% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1453% | 632 |
| Loan loss allowance to noncurrent loans | 75.0943% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 1.3213% | 1,623 |
| Noncurrent loans to loans | 2.8568% | 590 |
| Net loans and leases to total assets | 45.2583% | 5,170 |
| Net loans and leases to deposits | 54.2526% | 5,086 |
| Net loans and leases to core deposits | 55.0856% | 5,181 |
| Total domestic deposits to total assets | 83.4214% | 3,745 |
| Equity capital to assets | 16.5586% | 470 |
| Core capital (leverage) ratio | 16.4398% | 428 |
| Tier 1 risk-based capital ratio | 50.6096% | 128 |
| Total risk-based capital ratio | 51.8744% | 125 |
| Memoranda: | ||
| Average total assets | $20,125,000 | 6,036 |
| Average earning assets | $19,704,000 | 6,002 |
| Average equity | $3,311,500 | 5,905 |
| Average total loans | $9,323,500 | 5,975 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7572% | 5,909 |
| Cost of funding earning assets | 0.8998% | 290 |
| Net interest margin | 1.8574% | 6,071 |
| Noninterest income to average assets | 0.0376% | 6,035 |
| Noninterest expense to average assets | 1.2936% | 6,078 |
| Loan and lease loss provision to assets | 0.1270% | 1,903 |
| Net operating income to assets | 0.3387% | 5,244 |
| Return on assets (ROA) | 0.3387% | 5,335 |
| Pretax return on assets | 0.4328% | 5,258 |
| Return on Equity (ROE) | 2.2006% | 5,518 |
| Retained earnings to average equity (ytd only) | 2.2006% | 4,464 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7970% | 3,255 |
| Assets per employee ($millions) | 5.0485% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0595% | 726 |
| Loan loss allowance to noncurrent loans | 92.7885% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 1.0300% | 2,135 |
| Noncurrent loans to loans | 2.2196% | 886 |
| Net loans and leases to total assets | 45.4491% | 5,194 |
| Net loans and leases to deposits | 54.3334% | 5,147 |
| Net loans and leases to core deposits | 55.1596% | 5,245 |
| Total domestic deposits to total assets | 83.6486% | 3,613 |
| Equity capital to assets | 16.3514% | 485 |
| Core capital (leverage) ratio | 17.1488% | 347 |
| Tier 1 risk-based capital ratio | 49.6541% | 131 |
| Total risk-based capital ratio | 50.9173% | 126 |
| Memoranda: | ||
| Average total assets | $21,258,000 | 6,080 |
| Average earning assets | $20,782,000 | 6,046 |
| Average equity | $3,271,800 | 5,960 |
| Average total loans | $9,562,000 | 6,023 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7500% | 5,992 |
| Cost of funding earning assets | 0.9125% | 270 |
| Net interest margin | 1.8376% | 6,166 |
| Noninterest income to average assets | 0.0558% | 6,076 |
| Noninterest expense to average assets | 1.2575% | 6,160 |
| Loan and lease loss provision to assets | 0.1053% | 2,106 |
| Net operating income to assets | 0.4646% | 4,916 |
| Return on assets (ROA) | 0.4646% | 5,014 |
| Pretax return on assets | 0.4894% | 5,246 |
| Return on Equity (ROE) | 3.0635% | 5,364 |
| Retained earnings to average equity (ytd only) | 3.0635% | 4,267 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8930% | 3,566 |
| Assets per employee ($millions) | 5.2163% | 2,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9343% | 1,004 |
| Loan loss allowance to noncurrent loans | 538.2353% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.1630% | 5,108 |
| Noncurrent loans to loans | 0.3594% | 4,329 |
| Net loans and leases to total assets | 44.4668% | 5,329 |
| Net loans and leases to deposits | 52.8571% | 5,324 |
| Net loans and leases to core deposits | 53.6301% | 5,427 |
| Total domestic deposits to total assets | 84.1265% | 3,371 |
| Equity capital to assets | 15.8399% | 585 |
| Core capital (leverage) ratio | 14.5198% | 733 |
| Tier 1 risk-based capital ratio | 48.5815% | 149 |
| Total risk-based capital ratio | 49.8457% | 146 |
| Memoranda: | ||
| Average total assets | $21,524,000 | 6,164 |
| Average earning assets | $21,041,750 | 6,125 |
| Average equity | $3,264,250 | 6,040 |
| Average total loans | $9,609,750 | 6,103 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7292% | 6,060 |
| Cost of funding earning assets | 0.9129% | 271 |
| Net interest margin | 1.8163% | 6,240 |
| Noninterest income to average assets | 0.0828% | 6,083 |
| Noninterest expense to average assets | 1.2601% | 6,236 |
| Loan and lease loss provision to assets | 0.1564% | 1,364 |
| Net operating income to assets | 0.4139% | 5,101 |
| Return on assets (ROA) | 0.4139% | 5,202 |
| Pretax return on assets | 0.4415% | 5,371 |
| Return on Equity (ROE) | 2.7687% | 5,487 |
| Retained earnings to average equity (ytd only) | 2.7687% | 4,289 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8218% | 3,696 |
| Assets per employee ($millions) | 7.1013% | 803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9021% | 1,156 |
| Loan loss allowance to noncurrent loans | 610.0000% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.1408% | 5,298 |
| Noncurrent loans to loans | 0.3118% | 4,574 |
| Net loans and leases to total assets | 44.3015% | 5,365 |
| Net loans and leases to deposits | 52.3519% | 5,361 |
| Net loans and leases to core deposits | 53.0970% | 5,480 |
| Total domestic deposits to total assets | 84.6226% | 3,286 |
| Equity capital to assets | 15.3727% | 633 |
| Core capital (leverage) ratio | 15.1859% | 591 |
| Tier 1 risk-based capital ratio | 47.4638% | 171 |
| Total risk-based capital ratio | 48.7246% | 168 |
| Memoranda: | ||
| Average total assets | $21,743,670 | 6,233 |
| Average earning assets | $21,251,670 | 6,191 |
| Average equity | $3,250,670 | 6,101 |
| Average total loans | $9,659,330 | 6,173 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7263% | 6,113 |
| Cost of funding earning assets | 0.9150% | 265 |
| Net interest margin | 1.8113% | 6,312 |
| Noninterest income to average assets | 0.0911% | 6,121 |
| Noninterest expense to average assets | 1.2384% | 6,309 |
| Loan and lease loss provision to assets | 0.3096% | 452 |
| Net operating income to assets | 0.2914% | 5,448 |
| Return on assets (ROA) | 0.2914% | 5,542 |
| Pretax return on assets | 0.3096% | 5,631 |
| Return on Equity (ROE) | 1.9762% | 5,696 |
| Retained earnings to average equity (ytd only) | 1.9762% | 4,686 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 4,037 |
| Assets per employee ($millions) | 7.2670% | 752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9416% | 1,204 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 42.3926% | 5,455 |
| Net loans and leases to deposits | 49.8275% | 5,468 |
| Net loans and leases to core deposits | 50.5138% | 5,567 |
| Total domestic deposits to total assets | 85.0787% | 3,366 |
| Equity capital to assets | 14.8938% | 735 |
| Core capital (leverage) ratio | 15.9880% | 468 |
| Tier 1 risk-based capital ratio | 46.6389% | 175 |
| Total risk-based capital ratio | 47.9029% | 170 |
| Memoranda: | ||
| Average total assets | $21,963,500 | 6,296 |
| Average earning assets | $21,421,000 | 6,256 |
| Average equity | $3,238,500 | 6,164 |
| Average total loans | $9,678,500 | 6,237 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8422% | 6,180 |
| Cost of funding earning assets | 0.9896% | 243 |
| Net interest margin | 1.8526% | 6,396 |
| Noninterest income to average assets | 0.0394% | 6,316 |
| Noninterest expense to average assets | 1.4110% | 6,345 |
| Loan and lease loss provision to assets | 0.0131% | 4,358 |
| Net operating income to assets | 0.3243% | 5,455 |
| Return on assets (ROA) | 0.3243% | 5,524 |
| Pretax return on assets | 0.4119% | 5,452 |
| Return on Equity (ROE) | 2.3244% | 5,682 |
| Retained earnings to average equity (ytd only) | 2.3244% | 4,574 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4057% | 3,470 |
| Assets per employee ($millions) | 7.3753% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6714% | 1,857 |
| Loan loss allowance to noncurrent loans | 188.6364% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 1.4598% | 1,883 |
| Noncurrent loans to loans | 0.8860% | 3,100 |
| Net loans and leases to total assets | 44.1381% | 5,454 |
| Net loans and leases to deposits | 51.6856% | 5,502 |
| Net loans and leases to core deposits | 52.3843% | 5,594 |
| Total domestic deposits to total assets | 85.3973% | 3,124 |
| Equity capital to assets | 14.5982% | 784 |
| Core capital (leverage) ratio | 14.5982% | 680 |
| Tier 1 risk-based capital ratio | 43.3557% | 194 |
| Total risk-based capital ratio | 44.6174% | 193 |
| Memoranda: | ||
| Average total assets | $22,821,400 | 6,376 |
| Average earning assets | $22,131,000 | 6,326 |
| Average equity | $3,183,600 | 6,233 |
| Average total loans | $9,972,400 | 6,317 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8387% | 6,256 |
| Cost of funding earning assets | 1.0040% | 242 |
| Net interest margin | 1.8347% | 6,480 |
| Noninterest income to average assets | 0.0522% | 6,377 |
| Noninterest expense to average assets | 1.4496% | 6,377 |
| Loan and lease loss provision to assets | 0.0174% | 4,066 |
| Net operating income to assets | 0.1971% | 5,852 |
| Return on assets (ROA) | 0.1971% | 5,904 |
| Pretax return on assets | 0.3653% | 5,652 |
| Return on Equity (ROE) | 1.4291% | 5,964 |
| Retained earnings to average equity (ytd only) | 1.4291% | 5,327 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5190% | 3,268 |
| Assets per employee ($millions) | 7.4640% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6856% | 2,015 |
| Loan loss allowance to noncurrent loans | 136.0656% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 1.6077% | 1,887 |
| Noncurrent loans to loans | 1.2388% | 2,570 |
| Net loans and leases to total assets | 43.2387% | 5,579 |
| Net loans and leases to deposits | 50.4402% | 5,622 |
| Net loans and leases to core deposits | 51.1112% | 5,735 |
| Total domestic deposits to total assets | 85.7226% | 3,000 |
| Equity capital to assets | 14.2462% | 928 |
| Core capital (leverage) ratio | 14.2462% | 785 |
| Tier 1 risk-based capital ratio | 42.5220% | 205 |
| Total risk-based capital ratio | 43.7883% | 203 |
| Memoranda: | ||
| Average total assets | $22,995,250 | 6,449 |
| Average earning assets | $22,310,000 | 6,403 |
| Average equity | $3,172,000 | 6,305 |
| Average total loans | $9,982,500 | 6,387 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8574% | 6,293 |
| Cost of funding earning assets | 1.0148% | 242 |
| Net interest margin | 1.8426% | 6,548 |
| Noninterest income to average assets | 0.0604% | 6,412 |
| Noninterest expense to average assets | 1.5002% | 6,422 |
| Loan and lease loss provision to assets | 0.0259% | 3,758 |
| Net operating income to assets | 0.1466% | 5,956 |
| Return on assets (ROA) | 0.1466% | 5,992 |
| Pretax return on assets | 0.3190% | 5,748 |
| Return on Equity (ROE) | 1.0739% | 6,041 |
| Retained earnings to average equity (ytd only) | 1.0739% | 5,328 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2991% | 2,922 |
| Assets per employee ($millions) | 5.7653% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6744% | 2,213 |
| Loan loss allowance to noncurrent loans | 263.4921% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 1.3443% | 2,437 |
| Noncurrent loans to loans | 0.6355% | 4,121 |
| Net loans and leases to total assets | 42.2705% | 5,660 |
| Net loans and leases to deposits | 49.0194% | 5,703 |
| Net loans and leases to core deposits | 49.6486% | 5,812 |
| Total domestic deposits to total assets | 86.2322% | 2,911 |
| Equity capital to assets | 13.7592% | 1,065 |
| Core capital (leverage) ratio | 13.7592% | 897 |
| Tier 1 risk-based capital ratio | 41.6678% | 213 |
| Total risk-based capital ratio | 42.9284% | 210 |
| Memoranda: | ||
| Average total assets | $23,196,330 | 6,512 |
| Average earning assets | $22,468,330 | 6,466 |
| Average equity | $3,166,000 | 6,353 |
| Average total loans | $10,027,330 | 6,447 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8607% | 6,351 |
| Cost of funding earning assets | 1.0128% | 259 |
| Net interest margin | 1.8479% | 6,619 |
| Noninterest income to average assets | 0.0688% | 6,425 |
| Noninterest expense to average assets | 1.4271% | 6,546 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2235% | 5,731 |
| Return on assets (ROA) | 0.2235% | 5,785 |
| Pretax return on assets | 0.4298% | 5,361 |
| Return on Equity (ROE) | 1.6443% | 5,887 |
| Retained earnings to average equity (ytd only) | 1.6443% | 4,957 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5185% | 4,087 |
| Assets per employee ($millions) | 5.8725% | 1,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6289% | 2,584 |
| Loan loss allowance to noncurrent loans | 258.7302% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 1.3453% | 2,628 |
| Noncurrent loans to loans | 0.6296% | 4,289 |
| Net loans and leases to total assets | 41.9072% | 5,679 |
| Net loans and leases to deposits | 48.4854% | 5,702 |
| Net loans and leases to core deposits | 49.0948% | 5,822 |
| Total domestic deposits to total assets | 86.4325% | 3,144 |
| Equity capital to assets | 13.4908% | 1,099 |
| Core capital (leverage) ratio | 13.4908% | 975 |
| Tier 1 risk-based capital ratio | 41.2845% | 216 |
| Total risk-based capital ratio | 42.5482% | 214 |
| Memoranda: | ||
| Average total assets | $23,264,000 | 6,581 |
| Average earning assets | $22,512,000 | 6,534 |
| Average equity | $3,162,500 | 6,412 |
| Average total loans | $10,084,000 | 6,517 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9716% | 6,370 |
| Cost of funding earning assets | 1.1568% | 220 |
| Net interest margin | 1.8147% | 6,683 |
| Noninterest income to average assets | 0.0727% | 6,478 |
| Noninterest expense to average assets | 1.3250% | 6,673 |
| Loan and lease loss provision to assets | 0.0769% | 3,570 |
| Net operating income to assets | 0.3334% | 5,397 |
| Return on assets (ROA) | 0.3334% | 5,504 |
| Pretax return on assets | 0.4274% | 5,420 |
| Return on Equity (ROE) | 2.5050% | 5,675 |
| Retained earnings to average equity (ytd only) | 2.5050% | 4,471 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2243% | 4,161 |
| Assets per employee ($millions) | 5.7595% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6042% | 2,743 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1373% | 3,124 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 43.3979% | 5,724 |
| Net loans and leases to deposits | 50.2867% | 5,747 |
| Net loans and leases to core deposits | 50.9297% | 5,875 |
| Total domestic deposits to total assets | 86.3009% | 3,115 |
| Equity capital to assets | 13.6991% | 994 |
| Core capital (leverage) ratio | 13.6991% | 899 |
| Tier 1 risk-based capital ratio | 41.4990% | 208 |
| Total risk-based capital ratio | 42.7613% | 203 |
| Memoranda: | ||
| Average total assets | $23,395,800 | 6,655 |
| Average earning assets | $22,648,000 | 6,607 |
| Average equity | $3,113,800 | 6,516 |
| Average total loans | $10,475,000 | 6,571 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0060% | 6,418 |
| Cost of funding earning assets | 1.1895% | 210 |
| Net interest margin | 1.8165% | 6,766 |
| Noninterest income to average assets | 0.0852% | 6,524 |
| Noninterest expense to average assets | 1.2887% | 6,747 |
| Loan and lease loss provision to assets | 0.1022% | 3,060 |
| Net operating income to assets | 0.2839% | 5,665 |
| Return on assets (ROA) | 0.2839% | 5,771 |
| Pretax return on assets | 0.4542% | 5,487 |
| Return on Equity (ROE) | 2.1484% | 5,894 |
| Retained earnings to average equity (ytd only) | 2.1484% | 5,026 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0769% | 4,290 |
| Assets per employee ($millions) | 5.8218% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5802% | 3,096 |
| Loan loss allowance to noncurrent loans | 440.5405% | 988 |
| Noncurrent assets plus other real estate owned to assets | 1.3226% | 2,999 |
| Noncurrent loans to loans | 0.3587% | 5,317 |
| Net loans and leases to total assets | 43.5951% | 5,766 |
| Net loans and leases to deposits | 50.3821% | 5,808 |
| Net loans and leases to core deposits | 51.0176% | 5,952 |
| Total domestic deposits to total assets | 86.5290% | 2,949 |
| Equity capital to assets | 13.4324% | 1,148 |
| Core capital (leverage) ratio | 13.4324% | 1,051 |
| Tier 1 risk-based capital ratio | 41.0606% | 230 |
| Total risk-based capital ratio | 42.3208% | 225 |
| Memoranda: | ||
| Average total assets | $23,485,250 | 6,725 |
| Average earning assets | $22,754,000 | 6,679 |
| Average equity | $3,103,250 | 6,589 |
| Average total loans | $10,553,500 | 6,641 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0434% | 6,402 |
| Cost of funding earning assets | 1.2016% | 211 |
| Net interest margin | 1.8418% | 6,808 |
| Noninterest income to average assets | -0.0085% | 6,815 |
| Noninterest expense to average assets | 1.2568% | 6,811 |
| Loan and lease loss provision to assets | 0.0764% | 3,524 |
| Net operating income to assets | 0.2717% | 5,707 |
| Return on assets (ROA) | 0.2717% | 5,845 |
| Pretax return on assets | 0.4416% | 5,544 |
| Return on Equity (ROE) | 2.0679% | 5,935 |
| Retained earnings to average equity (ytd only) | 2.0679% | 4,961 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8134% | 3,673 |
| Assets per employee ($millions) | 5.8815% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4006% | 4,031 |
| Loan loss allowance to noncurrent loans | 405.2632% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 1.3134% | 3,149 |
| Noncurrent loans to loans | 0.3456% | 5,428 |
| Net loans and leases to total assets | 46.0809% | 5,521 |
| Net loans and leases to deposits | 53.1057% | 5,600 |
| Net loans and leases to core deposits | 53.7668% | 5,770 |
| Total domestic deposits to total assets | 86.7721% | 2,967 |
| Equity capital to assets | 13.2194% | 1,249 |
| Core capital (leverage) ratio | 13.2194% | 1,085 |
| Tier 1 risk-based capital ratio | 39.5523% | 241 |
| Total risk-based capital ratio | 40.8114% | 236 |
| Memoranda: | ||
| Average total assets | $23,551,330 | 6,776 |
| Average earning assets | $22,803,330 | 6,726 |
| Average equity | $3,095,000 | 6,638 |
| Average total loans | $10,633,000 | 6,680 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0526% | 6,453 |
| Cost of funding earning assets | 1.2281% | 205 |
| Net interest margin | 1.8246% | 6,885 |
| Noninterest income to average assets | -0.0849% | 6,915 |
| Noninterest expense to average assets | 1.1543% | 6,923 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3225% | 5,485 |
| Return on assets (ROA) | 0.3225% | 5,618 |
| Pretax return on assets | 0.5262% | 5,189 |
| Return on Equity (ROE) | 2.4615% | 5,792 |
| Retained earnings to average equity (ytd only) | 2.4615% | 4,793 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6869% | 4,195 |
| Assets per employee ($millions) | 5.8863% | 1,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3485% | 4,476 |
| Loan loss allowance to noncurrent loans | 381.5789% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 1.3124% | 3,337 |
| Noncurrent loans to loans | 0.3534% | 5,511 |
| Net loans and leases to total assets | 45.0542% | 5,539 |
| Net loans and leases to deposits | 51.8932% | 5,629 |
| Net loans and leases to core deposits | 52.5357% | 5,783 |
| Total domestic deposits to total assets | 86.8210% | 3,066 |
| Equity capital to assets | 13.1535% | 1,357 |
| Core capital (leverage) ratio | 13.1535% | 1,054 |
| Tier 1 risk-based capital ratio | 39.8072% | 239 |
| Total risk-based capital ratio | 41.0668% | 234 |
| Memoranda: | ||
| Average total assets | $23,564,000 | 6,845 |
| Average earning assets | $22,800,000 | 6,793 |
| Average equity | $3,087,500 | 6,701 |
| Average total loans | $10,452,000 | 6,750 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2637% | 6,616 |
| Cost of funding earning assets | 1.4391% | 217 |
| Net interest margin | 1.8246% | 6,962 |
| Noninterest income to average assets | 0.0828% | 6,571 |
| Noninterest expense to average assets | 1.2629% | 6,970 |
| Loan and lease loss provision to assets | 0.1449% | 3,797 |
| Net operating income to assets | 0.3395% | 5,328 |
| Return on assets (ROA) | 0.3395% | 5,552 |
| Pretax return on assets | 0.4389% | 5,458 |
| Return on Equity (ROE) | 2.7059% | 5,673 |
| Retained earnings to average equity (ytd only) | 2.7059% | 4,331 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3857% | 4,072 |
| Assets per employee ($millions) | 5.8958% | 1,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4284% | 4,021 |
| Loan loss allowance to noncurrent loans | 371.7949% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 1.3484% | 3,382 |
| Noncurrent loans to loans | 0.3842% | 5,533 |
| Net loans and leases to total assets | 42.4289% | 5,955 |
| Net loans and leases to deposits | 48.7979% | 6,053 |
| Net loans and leases to core deposits | 49.4001% | 6,181 |
| Total domestic deposits to total assets | 86.9482% | 2,867 |
| Equity capital to assets | 13.0518% | 1,419 |
| Core capital (leverage) ratio | 13.0518% | 1,100 |
| Tier 1 risk-based capital ratio | 41.0564% | 218 |
| Total risk-based capital ratio | 42.3103% | 215 |
| Memoranda: | ||
| Average total assets | $24,150,000 | 6,890 |
| Average earning assets | $23,347,400 | 6,831 |
| Average equity | $3,030,400 | 6,775 |
| Average total loans | $10,485,200 | 6,829 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2596% | 6,754 |
| Cost of funding earning assets | 1.4796% | 224 |
| Net interest margin | 1.7800% | 7,080 |
| Noninterest income to average assets | 0.1043% | 6,603 |
| Noninterest expense to average assets | 1.1087% | 7,097 |
| Loan and lease loss provision to assets | 0.1921% | 3,184 |
| Net operating income to assets | 0.2470% | 5,789 |
| Return on assets (ROA) | 0.2470% | 5,983 |
| Pretax return on assets | 0.5269% | 5,390 |
| Return on Equity (ROE) | 1.9877% | 6,023 |
| Retained earnings to average equity (ytd only) | 1.9877% | 5,328 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6607% | 5,385 |
| Assets per employee ($millions) | 6.0035% | 1,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 4,381 |
| Loan loss allowance to noncurrent loans | 371.7949% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 1.3659% | 3,563 |
| Noncurrent loans to loans | 0.3763% | 5,719 |
| Net loans and leases to total assets | 42.5585% | 6,079 |
| Net loans and leases to deposits | 48.7479% | 6,214 |
| Net loans and leases to core deposits | 48.7479% | 6,366 |
| Total domestic deposits to total assets | 87.3032% | 2,499 |
| Equity capital to assets | 12.6634% | 1,789 |
| Core capital (leverage) ratio | 12.6634% | 1,339 |
| Tier 1 risk-based capital ratio | 39.9501% | 243 |
| Total risk-based capital ratio | 41.2112% | 238 |
| Memoranda: | ||
| Average total assets | $24,291,750 | 6,974 |
| Average earning assets | $23,519,750 | 6,914 |
| Average equity | $3,018,500 | 6,862 |
| Average total loans | $10,568,750 | 6,920 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3553% | 6,772 |
| Cost of funding earning assets | 1.5251% | 216 |
| Net interest margin | 1.8302% | 7,147 |
| Noninterest income to average assets | 0.0984% | 6,683 |
| Noninterest expense to average assets | 1.1073% | 7,169 |
| Loan and lease loss provision to assets | 0.2461% | 2,598 |
| Net operating income to assets | 0.2050% | 5,897 |
| Return on assets (ROA) | 0.2050% | 6,085 |
| Pretax return on assets | 0.5167% | 5,396 |
| Return on Equity (ROE) | 1.6606% | 6,149 |
| Retained earnings to average equity (ytd only) | 1.6606% | 5,372 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2105% | 5,706 |
| Assets per employee ($millions) | 6.0518% | 1,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3233% | 4,785 |
| Loan loss allowance to noncurrent loans | 358.9744% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 1.3798% | 3,668 |
| Noncurrent loans to loans | 0.3686% | 5,802 |
| Net loans and leases to total assets | 43.1280% | 6,100 |
| Net loans and leases to deposits | 49.2825% | 6,220 |
| Net loans and leases to core deposits | 49.2825% | 6,383 |
| Total domestic deposits to total assets | 87.5119% | 2,463 |
| Equity capital to assets | 12.4799% | 1,833 |
| Core capital (leverage) ratio | 12.4799% | 1,362 |
| Tier 1 risk-based capital ratio | 39.2644% | 243 |
| Total risk-based capital ratio | 40.4341% | 239 |
| Memoranda: | ||
| Average total assets | $24,384,330 | 7,031 |
| Average earning assets | $23,604,330 | 6,969 |
| Average equity | $3,011,000 | 6,909 |
| Average total loans | $10,636,670 | 6,975 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4176% | 6,789 |
| Cost of funding earning assets | 1.5904% | 196 |
| Net interest margin | 1.8272% | 7,199 |
| Noninterest income to average assets | 0.1308% | 6,593 |
| Noninterest expense to average assets | 1.0787% | 7,239 |
| Loan and lease loss provision to assets | 0.2452% | 2,503 |
| Net operating income to assets | 0.3269% | 5,562 |
| Return on assets (ROA) | 0.3269% | 5,734 |
| Pretax return on assets | 0.5721% | 5,211 |
| Return on Equity (ROE) | 2.6613% | 5,842 |
| Retained earnings to average equity (ytd only) | 2.6613% | 4,926 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8966% | 6,039 |
| Assets per employee ($millions) | 6.0508% | 1,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 5,662 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2230% | 4,094 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 43.8995% | 6,025 |
| Net loans and leases to deposits | 50.1961% | 6,125 |
| Net loans and leases to core deposits | 50.1961% | 6,327 |
| Total domestic deposits to total assets | 87.4561% | 2,686 |
| Equity capital to assets | 12.4613% | 1,746 |
| Core capital (leverage) ratio | 12.4613% | 1,355 |
| Tier 1 risk-based capital ratio | 39.0370% | 248 |
| Total risk-based capital ratio | 40.2925% | 242 |
| Memoranda: | ||
| Average total assets | $24,473,000 | 7,088 |
| Average earning assets | $23,642,500 | 7,029 |
| Average equity | $3,006,000 | 6,962 |
| Average total loans | $10,665,000 | 7,036 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6138% | 6,919 |
| Cost of funding earning assets | 1.8089% | 210 |
| Net interest margin | 1.8048% | 7,256 |
| Noninterest income to average assets | 0.0396% | 6,876 |
| Noninterest expense to average assets | 1.1887% | 7,270 |
| Loan and lease loss provision to assets | 0.2377% | 3,832 |
| Net operating income to assets | 0.2377% | 5,468 |
| Return on assets (ROA) | 0.2377% | 5,609 |
| Pretax return on assets | 0.3606% | 5,401 |
| Return on Equity (ROE) | 2.0214% | 5,653 |
| Retained earnings to average equity (ytd only) | 2.0214% | 4,775 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5188% | 4,655 |
| Assets per employee ($millions) | 6.1858% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 6,037 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2973% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 42.3150% | 6,356 |
| Net loans and leases to deposits | 48.1645% | 6,488 |
| Net loans and leases to core deposits | 48.1645% | 6,632 |
| Total domestic deposits to total assets | 87.8552% | 2,247 |
| Equity capital to assets | 12.1085% | 2,038 |
| Core capital (leverage) ratio | 12.1085% | 1,533 |
| Tier 1 risk-based capital ratio | 37.9721% | 271 |
| Total risk-based capital ratio | 39.2269% | 264 |
| Memoranda: | ||
| Average total assets | $25,237,800 | 7,097 |
| Average earning assets | $24,434,400 | 7,027 |
| Average equity | $2,968,200 | 7,016 |
| Average total loans | $10,716,000 | 7,090 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6607% | 6,970 |
| Cost of funding earning assets | 1.8385% | 224 |
| Net interest margin | 1.8222% | 7,329 |
| Noninterest income to average assets | 0.0473% | 6,965 |
| Noninterest expense to average assets | 1.1776% | 7,346 |
| Loan and lease loss provision to assets | 0.2366% | 3,643 |
| Net operating income to assets | 0.2576% | 5,543 |
| Return on assets (ROA) | 0.2576% | 5,696 |
| Pretax return on assets | 0.3995% | 5,475 |
| Return on Equity (ROE) | 2.2062% | 5,703 |
| Retained earnings to average equity (ytd only) | 2.2062% | 5,020 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9275% | 4,909 |
| Assets per employee ($millions) | 6.2035% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8850% | 6,645 |
| Loan loss allowance to noncurrent loans | 215.9091% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 1.4750% | 3,913 |
| Noncurrent loans to loans | 0.4099% | 6,026 |
| Net loans and leases to total assets | 42.8750% | 6,439 |
| Net loans and leases to deposits | 48.7848% | 6,580 |
| Net loans and leases to core deposits | 48.7848% | 6,724 |
| Total domestic deposits to total assets | 87.8859% | 2,101 |
| Equity capital to assets | 12.0295% | 2,228 |
| Core capital (leverage) ratio | 12.0295% | 1,690 |
| Tier 1 risk-based capital ratio | 37.6656% | 289 |
| Total risk-based capital ratio | 38.8644% | 287 |
| Memoranda: | ||
| Average total assets | $25,361,500 | 7,165 |
| Average earning assets | $24,585,000 | 7,095 |
| Average equity | $2,961,250 | 7,083 |
| Average total loans | $10,750,000 | 7,162 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7139% | 7,002 |
| Cost of funding earning assets | 1.8570% | 253 |
| Net interest margin | 1.8570% | 7,393 |
| Noninterest income to average assets | 0.0626% | 6,989 |
| Noninterest expense to average assets | 1.1979% | 7,425 |
| Loan and lease loss provision to assets | 0.2349% | 3,565 |
| Net operating income to assets | 0.2584% | 5,526 |
| Return on assets (ROA) | 0.2584% | 5,650 |
| Pretax return on assets | 0.4306% | 5,294 |
| Return on Equity (ROE) | 2.2348% | 5,709 |
| Retained earnings to average equity (ytd only) | 2.2348% | 4,875 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2857% | 5,186 |
| Assets per employee ($millions) | 6.2365% | 1,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7628% | 6,934 |
| Loan loss allowance to noncurrent loans | 181.8182% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 1.4712% | 4,006 |
| Noncurrent loans to loans | 0.4196% | 6,065 |
| Net loans and leases to total assets | 41.7181% | 6,609 |
| Net loans and leases to deposits | 47.3864% | 6,760 |
| Net loans and leases to core deposits | 47.3864% | 6,884 |
| Total domestic deposits to total assets | 88.0382% | 2,112 |
| Equity capital to assets | 11.9017% | 2,162 |
| Core capital (leverage) ratio | 11.9017% | 1,668 |
| Tier 1 risk-based capital ratio | 38.2554% | 272 |
| Total risk-based capital ratio | 39.2862% | 268 |
| Memoranda: | ||
| Average total assets | $25,544,000 | 7,227 |
| Average earning assets | $24,771,670 | 7,154 |
| Average equity | $2,953,330 | 7,141 |
| Average total loans | $10,755,330 | 7,232 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7559% | 7,007 |
| Cost of funding earning assets | 1.8859% | 267 |
| Net interest margin | 1.8699% | 7,439 |
| Noninterest income to average assets | 0.0464% | 7,150 |
| Noninterest expense to average assets | 1.1454% | 7,497 |
| Loan and lease loss provision to assets | 0.2322% | 3,328 |
| Net operating income to assets | 0.2941% | 5,438 |
| Return on assets (ROA) | 0.2941% | 5,510 |
| Pretax return on assets | 0.4798% | 5,091 |
| Return on Equity (ROE) | 2.5802% | 5,569 |
| Retained earnings to average equity (ytd only) | 2.5802% | 4,616 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6667% | 5,729 |
| Assets per employee ($millions) | 6.4255% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6026% | 7,199 |
| Loan loss allowance to noncurrent loans | 57.5221% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 1.7041% | 3,695 |
| Noncurrent loans to loans | 1.0476% | 4,959 |
| Net loans and leases to total assets | 41.7166% | 6,650 |
| Net loans and leases to deposits | 47.1774% | 6,787 |
| Net loans and leases to core deposits | 47.1774% | 6,913 |
| Total domestic deposits to total assets | 88.4250% | 2,127 |
| Equity capital to assets | 11.4972% | 2,272 |
| Core capital (leverage) ratio | 11.4972% | 1,847 |
| Tier 1 risk-based capital ratio | 36.4500% | 315 |
| Total risk-based capital ratio | 37.2518% | 321 |
| Memoranda: | ||
| Average total assets | $25,843,000 | 7,269 |
| Average earning assets | $25,027,500 | 7,195 |
| Average equity | $2,945,500 | 7,186 |
| Average total loans | $10,889,500 | 7,279 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9058% | 7,194 |
| Cost of funding earning assets | 2.1672% | 338 |
| Net interest margin | 1.7386% | 7,513 |
| Noninterest income to average assets | 0.0657% | 7,039 |
| Noninterest expense to average assets | 1.0984% | 7,566 |
| Loan and lease loss provision to assets | 0.2320% | 4,958 |
| Net operating income to assets | 0.2823% | 4,992 |
| Return on assets (ROA) | 0.2823% | 5,161 |
| Pretax return on assets | 0.4138% | 4,905 |
| Return on Equity (ROE) | 2.5176% | 5,174 |
| Retained earnings to average equity (ytd only) | 2.5176% | 4,112 |
| Net charge-offs to loans | 0.2306% | 4,899 |
| Credit loss provision to net charge-offs | 240.0000% | 1,202 |
| Earnings coverage of net charge-offs (x) | 6.6800% | 2,307 |
| Efficiency ratio | 62.9712% | 5,516 |
| Assets per employee ($millions) | 6.4960% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7824% | 7,007 |
| Loan loss allowance to noncurrent loans | 38.2222% | 5,758 |
| Noncurrent assets plus other real estate owned to assets | 2.2629% | 3,013 |
| Noncurrent loans to loans | 2.0469% | 3,489 |
| Net loans and leases to total assets | 41.9720% | 6,850 |
| Net loans and leases to deposits | 47.3474% | 6,980 |
| Net loans and leases to core deposits | 47.3474% | 7,102 |
| Total domestic deposits to total assets | 88.6469% | 1,859 |
| Equity capital to assets | 11.2993% | 2,410 |
| Core capital (leverage) ratio | 11.2993% | 1,957 |
| Tier 1 risk-based capital ratio | 34.9732% | 349 |
| Total risk-based capital ratio | 35.9976% | 349 |
| Memoranda: | ||
| Average total assets | $25,856,600 | 7,322 |
| Average earning assets | $24,962,800 | 7,259 |
| Average equity | $2,899,600 | 7,301 |
| Average total loans | $10,840,200 | 7,356 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9799% | 7,295 |
| Cost of funding earning assets | 2.2200% | 363 |
| Net interest margin | 1.7599% | 7,632 |
| Noninterest income to average assets | 0.1239% | 6,931 |
| Noninterest expense to average assets | 1.0842% | 7,685 |
| Loan and lease loss provision to assets | 0.2323% | 4,748 |
| Net operating income to assets | 0.3201% | 5,088 |
| Return on assets (ROA) | 0.3201% | 5,254 |
| Pretax return on assets | 0.5059% | 4,907 |
| Return on Equity (ROE) | 2.8597% | 5,277 |
| Retained earnings to average equity (ytd only) | 2.8597% | 4,421 |
| Net charge-offs to loans | 0.3085% | 4,108 |
| Credit loss provision to net charge-offs | 180.0000% | 2,032 |
| Earnings coverage of net charge-offs (x) | 5.7204% | 2,694 |
| Efficiency ratio | 59.4901% | 6,032 |
| Assets per employee ($millions) | 6.4133% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6398% | 7,297 |
| Loan loss allowance to noncurrent loans | 186.8421% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 1.6840% | 3,917 |
| Noncurrent loans to loans | 0.3424% | 6,511 |
| Net loans and leases to total assets | 42.9852% | 6,907 |
| Net loans and leases to deposits | 48.6028% | 7,061 |
| Net loans and leases to core deposits | 48.6028% | 7,179 |
| Total domestic deposits to total assets | 88.4419% | 1,702 |
| Equity capital to assets | 11.4022% | 2,602 |
| Core capital (leverage) ratio | 11.4022% | 2,008 |
| Tier 1 risk-based capital ratio | 35.0257% | 347 |
| Total risk-based capital ratio | 35.8759% | 352 |
| Memoranda: | ||
| Average total assets | $25,824,750 | 7,417 |
| Average earning assets | $24,924,750 | 7,348 |
| Average equity | $2,890,500 | 7,401 |
| Average total loans | $10,802,250 | 7,457 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0196% | 7,348 |
| Cost of funding earning assets | 2.2775% | 362 |
| Net interest margin | 1.7421% | 7,705 |
| Noninterest income to average assets | 0.1236% | 6,978 |
| Noninterest expense to average assets | 1.1127% | 7,753 |
| Loan and lease loss provision to assets | 0.2318% | 4,597 |
| Net operating income to assets | 0.2473% | 5,388 |
| Return on assets (ROA) | 0.2473% | 5,531 |
| Pretax return on assets | 0.4636% | 5,021 |
| Return on Equity (ROE) | 2.2230% | 5,569 |
| Retained earnings to average equity (ytd only) | 2.2230% | 4,738 |
| Net charge-offs to loans | 0.4671% | 3,141 |
| Credit loss provision to net charge-offs | 120.0000% | 3,387 |
| Earnings coverage of net charge-offs (x) | 3.6000% | 3,250 |
| Efficiency ratio | 61.5385% | 5,761 |
| Assets per employee ($millions) | 6.5015% | 951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5271% | 7,483 |
| Loan loss allowance to noncurrent loans | 116.6667% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 1.7842% | 3,780 |
| Noncurrent loans to loans | 0.4518% | 6,344 |
| Net loans and leases to total assets | 40.6406% | 7,124 |
| Net loans and leases to deposits | 45.8008% | 7,256 |
| Net loans and leases to core deposits | 46.3025% | 7,338 |
| Total domestic deposits to total assets | 88.7334% | 1,585 |
| Equity capital to assets | 11.1320% | 2,740 |
| Core capital (leverage) ratio | 11.1320% | 2,146 |
| Tier 1 risk-based capital ratio | 34.9385% | 353 |
| Total risk-based capital ratio | 35.6143% | 362 |
| Memoranda: | ||
| Average total assets | $25,882,000 | 7,474 |
| Average earning assets | $25,027,670 | 7,399 |
| Average equity | $2,879,000 | 7,453 |
| Average total loans | $10,703,670 | 7,518 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1311% | 7,346 |
| Cost of funding earning assets | 2.3377% | 383 |
| Net interest margin | 1.7933% | 7,777 |
| Noninterest income to average assets | 0.1239% | 7,065 |
| Noninterest expense to average assets | 1.0999% | 7,858 |
| Loan and lease loss provision to assets | 0.2324% | 4,180 |
| Net operating income to assets | 0.2479% | 5,500 |
| Return on assets (ROA) | 0.2479% | 5,623 |
| Pretax return on assets | 0.5267% | 4,869 |
| Return on Equity (ROE) | 2.2292% | 5,665 |
| Retained earnings to average equity (ytd only) | 2.2292% | 4,793 |
| Net charge-offs to loans | 0.9308% | 1,727 |
| Credit loss provision to net charge-offs | 60.0000% | 4,297 |
| Earnings coverage of net charge-offs (x) | 1.9600% | 3,558 |
| Efficiency ratio | 59.1667% | 6,311 |
| Assets per employee ($millions) | 6.4358% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3843% | 7,698 |
| Loan loss allowance to noncurrent loans | 205.0000% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 1.6199% | 4,058 |
| Noncurrent loans to loans | 0.1875% | 6,966 |
| Net loans and leases to total assets | 41.2811% | 7,163 |
| Net loans and leases to deposits | 46.5953% | 7,302 |
| Net loans and leases to core deposits | 46.5953% | 7,410 |
| Total domestic deposits to total assets | 88.5950% | 1,735 |
| Equity capital to assets | 11.1836% | 2,605 |
| Core capital (leverage) ratio | 11.1836% | 2,104 |
| Tier 1 risk-based capital ratio | 34.8000% | 359 |
| Total risk-based capital ratio | 35.2955% | 379 |
| Memoranda: | ||
| Average total assets | $25,820,000 | 7,571 |
| Average earning assets | $24,981,500 | 7,495 |
| Average equity | $2,871,000 | 7,533 |
| Average total loans | $10,743,000 | 7,615 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8006% | 6,952 |
| Cost of funding earning assets | 2.7271% | 547 |
| Net interest margin | 2.0734% | 7,714 |
| Noninterest income to average assets | -0.0117% | 7,729 |
| Noninterest expense to average assets | 1.1175% | 7,930 |
| Loan and lease loss provision to assets | 0.1986% | 5,750 |
| Net operating income to assets | 0.4322% | 3,999 |
| Return on assets (ROA) | 0.4322% | 4,111 |
| Pretax return on assets | 0.6853% | 3,621 |
| Return on Equity (ROE) | 3.9351% | 4,117 |
| Retained earnings to average equity (ytd only) | 3.9351% | 2,453 |
| Net charge-offs to loans | 0.1320% | 5,878 |
| Credit loss provision to net charge-offs | 340.0000% | 952 |
| Earnings coverage of net charge-offs (x) | 15.1333% | 1,327 |
| Efficiency ratio | 55.8366% | 7,039 |
| Assets per employee ($millions) | 6.4743% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4714% | 7,693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5407% | 4,066 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 41.5762% | 7,270 |
| Net loans and leases to deposits | 46.8232% | 7,409 |
| Net loans and leases to core deposits | 53.2967% | 7,494 |
| Total domestic deposits to total assets | 88.7941% | 1,578 |
| Equity capital to assets | 11.0553% | 2,667 |
| Core capital (leverage) ratio | 11.0553% | 2,197 |
| Tier 1 risk-based capital ratio | 33.9178% | 375 |
| Total risk-based capital ratio | 34.5220% | 391 |
| Memoranda: | ||
| Average total assets | $25,681,800 | 7,620 |
| Average earning assets | $24,934,600 | 7,548 |
| Average equity | $2,820,800 | 7,638 |
| Average total loans | $11,363,000 | 7,638 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9151% | 6,846 |
| Cost of funding earning assets | 2.7895% | 611 |
| Net interest margin | 2.1256% | 7,749 |
| Noninterest income to average assets | -0.0260% | 7,875 |
| Noninterest expense to average assets | 1.0457% | 8,026 |
| Loan and lease loss provision to assets | 0.1873% | 5,500 |
| Net operating income to assets | 0.5463% | 3,806 |
| Return on assets (ROA) | 0.5463% | 3,889 |
| Pretax return on assets | 0.8064% | 3,514 |
| Return on Equity (ROE) | 4.9818% | 3,976 |
| Retained earnings to average equity (ytd only) | 4.9818% | 2,502 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2755% | 7,464 |
| Assets per employee ($millions) | 6.5743% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4689% | 7,747 |
| Loan loss allowance to noncurrent loans | 115.5556% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 1.8101% | 3,639 |
| Noncurrent loans to loans | 0.4058% | 6,526 |
| Net loans and leases to total assets | 41.9744% | 7,366 |
| Net loans and leases to deposits | 47.2093% | 7,530 |
| Net loans and leases to core deposits | 53.5799% | 7,605 |
| Total domestic deposits to total assets | 88.9113% | 1,235 |
| Equity capital to assets | 10.8644% | 3,148 |
| Core capital (leverage) ratio | 10.8644% | 2,513 |
| Tier 1 risk-based capital ratio | 32.5287% | 458 |
| Total risk-based capital ratio | 33.1208% | 468 |
| Memoranda: | ||
| Average total assets | $25,628,000 | 7,698 |
| Average earning assets | $24,902,000 | 7,615 |
| Average equity | $2,810,250 | 7,718 |
| Average total loans | $11,499,250 | 7,704 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0373% | 6,658 |
| Cost of funding earning assets | 2.8577% | 677 |
| Net interest margin | 2.1796% | 7,761 |
| Noninterest income to average assets | -0.0079% | 7,978 |
| Noninterest expense to average assets | 1.0707% | 8,114 |
| Loan and lease loss provision to assets | 0.1653% | 5,412 |
| Net operating income to assets | 0.6062% | 3,650 |
| Return on assets (ROA) | 0.6062% | 3,759 |
| Pretax return on assets | 0.8817% | 3,399 |
| Return on Equity (ROE) | 5.5105% | 3,861 |
| Retained earnings to average equity (ytd only) | 5.5105% | 2,244 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5576% | 7,626 |
| Assets per employee ($millions) | 6.5205% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3215% | 7,974 |
| Loan loss allowance to noncurrent loans | 8.4091% | 7,521 |
| Noncurrent assets plus other real estate owned to assets | 1.9669% | 3,238 |
| Noncurrent loans to loans | 3.8231% | 1,787 |
| Net loans and leases to total assets | 43.9844% | 7,329 |
| Net loans and leases to deposits | 49.4717% | 7,507 |
| Net loans and leases to core deposits | 59.0792% | 7,483 |
| Total domestic deposits to total assets | 88.9081% | 1,307 |
| Equity capital to assets | 10.8466% | 3,061 |
| Core capital (leverage) ratio | 10.8466% | 2,527 |
| Tier 1 risk-based capital ratio | 32.2100% | 493 |
| Total risk-based capital ratio | 32.6312% | 512 |
| Memoranda: | ||
| Average total assets | $25,405,000 | 7,778 |
| Average earning assets | $24,775,330 | 7,687 |
| Average equity | $2,794,670 | 7,789 |
| Average total loans | $11,635,670 | 7,771 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1517% | 6,483 |
| Cost of funding earning assets | 2.9275% | 722 |
| Net interest margin | 2.2242% | 7,774 |
| Noninterest income to average assets | 0.0160% | 7,995 |
| Noninterest expense to average assets | 0.9575% | 8,178 |
| Loan and lease loss provision to assets | 0.0957% | 5,736 |
| Net operating income to assets | 0.8138% | 3,073 |
| Return on assets (ROA) | 0.8138% | 3,229 |
| Pretax return on assets | 1.1330% | 2,864 |
| Return on Equity (ROE) | 7.3447% | 3,449 |
| Retained earnings to average equity (ytd only) | 7.3447% | 2,080 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7956% | 7,938 |
| Assets per employee ($millions) | 6.4373% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1872% | 8,120 |
| Loan loss allowance to noncurrent loans | 4.3738% | 7,553 |
| Noncurrent assets plus other real estate owned to assets | 2.4273% | 2,364 |
| Noncurrent loans to loans | 4.2794% | 1,374 |
| Net loans and leases to total assets | 45.5629% | 7,224 |
| Net loans and leases to deposits | 51.3031% | 7,445 |
| Net loans and leases to core deposits | 61.1105% | 7,416 |
| Total domestic deposits to total assets | 88.8112% | 1,332 |
| Equity capital to assets | 10.8859% | 3,089 |
| Core capital (leverage) ratio | 10.8859% | 2,593 |
| Tier 1 risk-based capital ratio | 31.7117% | 545 |
| Total risk-based capital ratio | 31.9606% | 578 |
| Memoranda: | ||
| Average total assets | $25,066,500 | 7,825 |
| Average earning assets | $24,458,000 | 7,744 |
| Average equity | $2,777,500 | 7,843 |
| Average total loans | $11,699,000 | 7,817 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4238% | 7,430 |
| Cost of funding earning assets | 3.4882% | 538 |
| Net interest margin | 1.9356% | 8,101 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 0.9777% | 8,212 |
| Loan and lease loss provision to assets | 0.1068% | 6,010 |
| Net operating income to assets | 0.5464% | 4,546 |
| Return on assets (ROA) | 0.5464% | 4,398 |
| Pretax return on assets | 0.8052% | 4,048 |
| Return on Equity (ROE) | 4.9475% | 4,414 |
| Retained earnings to average equity (ytd only) | 4.9475% | 2,064 |
| Net charge-offs to loans | 0.4052% | 2,787 |
| Credit loss provision to net charge-offs | 55.3191% | 6,286 |
| Earnings coverage of net charge-offs (x) | 4.7234% | 3,884 |
| Efficiency ratio | 51.7391% | 7,518 |
| Assets per employee ($millions) | 6.0960% | 1,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1374% | 8,198 |
| Loan loss allowance to noncurrent loans | 5.7762% | 7,540 |
| Noncurrent assets plus other real estate owned to assets | 1.8537% | 2,665 |
| Noncurrent loans to loans | 2.3789% | 2,313 |
| Net loans and leases to total assets | 47.6870% | 7,210 |
| Net loans and leases to deposits | 53.9182% | 7,442 |
| Net loans and leases to core deposits | 63.6697% | 7,458 |
| Total domestic deposits to total assets | 88.4432% | 1,276 |
| Equity capital to assets | 11.2861% | 2,819 |
| Core capital (leverage) ratio | 11.2861% | 2,378 |
| Tier 1 risk-based capital ratio | 31.2763% | 578 |
| Total risk-based capital ratio | 31.4581% | 611 |
| Memoranda: | ||
| Average total assets | $24,342,000 | 7,859 |
| Average earning assets | $23,765,600 | 7,793 |
| Average equity | $2,688,200 | 7,930 |
| Average total loans | $11,600,400 | 7,856 |