Home > Chelsea Bank > Performance and Condition Ratios
Chelsea Bank, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5795% | 5,136 |
| Cost of funding earning assets | 0.4451% | 3,220 |
| Net interest margin | 3.1345% | 5,112 |
| Noninterest income to average assets | 0.9911% | 1,235 |
| Noninterest expense to average assets | 4.4635% | 476 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.3047% | 6,239 |
| Return on assets (ROA) | -0.3047% | 6,234 |
| Pretax return on assets | -0.5866% | 6,307 |
| Return on Equity (ROE) | -3.1389% | 6,254 |
| Retained earnings to average equity (ytd only) | -3.1389% | 6,099 |
| 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 | 115.1310% | 160 |
| Assets per employee ($millions) | 3.7681% | 4,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9249% | 5,387 |
| Loan loss allowance to noncurrent loans | 61.8812% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 1.0722% | 2,601 |
| Noncurrent loans to loans | 1.4946% | 1,957 |
| Net loans and leases to total assets | 71.0745% | 2,062 |
| Net loans and leases to deposits | 80.2509% | 2,686 |
| Net loans and leases to core deposits | 113.2371% | 637 |
| Total domestic deposits to total assets | 88.5653% | 1,484 |
| Equity capital to assets | 9.5345% | 4,681 |
| Core capital (leverage) ratio | 9.5492% | 4,172 |
| Tier 1 risk-based capital ratio | 16.6082% | 2,667 |
| Total risk-based capital ratio | 17.7717% | 2,653 |
| Memoranda: | ||
| Average total assets | $57,107,600 | 5,623 |
| Average earning assets | $52,576,600 | 5,608 |
| Average equity | $5,543,400 | 5,731 |
| Average total loans | $38,047,000 | 5,253 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6817% | 4,913 |
| Cost of funding earning assets | 0.4605% | 3,147 |
| Net interest margin | 3.2212% | 4,888 |
| Noninterest income to average assets | 1.0107% | 1,201 |
| Noninterest expense to average assets | 3.7819% | 996 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1630% | 5,920 |
| Return on assets (ROA) | 0.1630% | 5,956 |
| Pretax return on assets | 0.1933% | 5,959 |
| Return on Equity (ROE) | 1.6720% | 5,907 |
| Retained earnings to average equity (ytd only) | 1.6720% | 5,213 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1377% | 538 |
| Assets per employee ($millions) | 3.4474% | 4,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9564% | 5,396 |
| Loan loss allowance to noncurrent loans | 57.7812% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 1.1074% | 2,738 |
| Noncurrent loans to loans | 1.6552% | 1,969 |
| Net loans and leases to total assets | 66.2640% | 2,812 |
| Net loans and leases to deposits | 74.2680% | 3,401 |
| Net loans and leases to core deposits | 77.8003% | 3,555 |
| Total domestic deposits to total assets | 89.2228% | 1,114 |
| Equity capital to assets | 9.6118% | 4,657 |
| Core capital (leverage) ratio | 9.8255% | 3,910 |
| Tier 1 risk-based capital ratio | 17.8912% | 2,242 |
| Total risk-based capital ratio | 19.0901% | 2,223 |
| Memoranda: | ||
| Average total assets | $57,254,250 | 5,684 |
| Average earning assets | $52,692,000 | 5,665 |
| Average equity | $5,582,000 | 5,780 |
| Average total loans | $37,422,000 | 5,325 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5545% | 5,277 |
| Cost of funding earning assets | 0.4640% | 3,173 |
| Net interest margin | 3.0905% | 5,281 |
| Noninterest income to average assets | 0.9119% | 1,460 |
| Noninterest expense to average assets | 3.7462% | 1,058 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0563% | 6,126 |
| Return on assets (ROA) | 0.0563% | 6,151 |
| Pretax return on assets | 0.0035% | 6,190 |
| Return on Equity (ROE) | 0.5750% | 6,135 |
| Retained earnings to average equity (ytd only) | 0.5750% | 5,512 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.9061% | 405 |
| Assets per employee ($millions) | 3.4131% | 5,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 5,364 |
| Loan loss allowance to noncurrent loans | 35.5114% | 5,628 |
| Noncurrent assets plus other real estate owned to assets | 1.8200% | 1,781 |
| Noncurrent loans to loans | 2.8084% | 1,071 |
| Net loans and leases to total assets | 64.1601% | 3,053 |
| Net loans and leases to deposits | 71.7989% | 3,599 |
| Net loans and leases to core deposits | 75.6231% | 3,660 |
| Total domestic deposits to total assets | 89.3609% | 1,181 |
| Equity capital to assets | 9.6153% | 4,605 |
| Core capital (leverage) ratio | 9.7624% | 3,942 |
| Tier 1 risk-based capital ratio | 17.5736% | 2,391 |
| Total risk-based capital ratio | 18.7627% | 2,385 |
| Memoranda: | ||
| Average total assets | $56,804,000 | 5,743 |
| Average earning assets | $52,159,670 | 5,731 |
| Average equity | $5,565,000 | 5,816 |
| Average total loans | $36,826,330 | 5,378 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5028% | 5,415 |
| Cost of funding earning assets | 0.4769% | 3,152 |
| Net interest margin | 3.0258% | 5,461 |
| Noninterest income to average assets | 0.9396% | 1,282 |
| Noninterest expense to average assets | 3.8651% | 908 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0712% | 6,267 |
| Return on assets (ROA) | -0.0712% | 6,274 |
| Pretax return on assets | -0.1708% | 6,326 |
| Return on Equity (ROE) | -0.7197% | 6,274 |
| Retained earnings to average equity (ytd only) | -0.7197% | 5,680 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.6243% | 356 |
| Assets per employee ($millions) | 3.7476% | 4,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 5,452 |
| Loan loss allowance to noncurrent loans | 80.4721% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 0.8290% | 3,655 |
| Noncurrent loans to loans | 1.2628% | 2,923 |
| Net loans and leases to total assets | 64.9767% | 2,732 |
| Net loans and leases to deposits | 72.9237% | 3,217 |
| Net loans and leases to core deposits | 76.9406% | 3,310 |
| Total domestic deposits to total assets | 89.1024% | 1,588 |
| Equity capital to assets | 9.8783% | 3,981 |
| Core capital (leverage) ratio | 9.8445% | 3,794 |
| Tier 1 risk-based capital ratio | 17.8460% | 2,355 |
| Total risk-based capital ratio | 19.0600% | 2,344 |
| Memoranda: | ||
| Average total assets | $56,195,000 | 5,805 |
| Average earning assets | $51,159,500 | 5,807 |
| Average equity | $5,558,000 | 5,848 |
| Average total loans | $36,438,500 | 5,446 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6868% | 5,172 |
| Cost of funding earning assets | 0.5409% | 3,188 |
| Net interest margin | 3.1459% | 5,174 |
| Noninterest income to average assets | 1.3372% | 776 |
| Noninterest expense to average assets | 3.7816% | 1,168 |
| Loan and lease loss provision to assets | 0.0071% | 4,982 |
| Net operating income to assets | 0.2870% | 5,566 |
| Return on assets (ROA) | 0.2870% | 5,659 |
| Pretax return on assets | 0.4208% | 5,439 |
| Return on Equity (ROE) | 2.9308% | 5,535 |
| Retained earnings to average equity (ytd only) | 2.9308% | 4,161 |
| Net charge-offs to loans | 0.0055% | 5,358 |
| Credit loss provision to net charge-offs | 200.0000% | 1,140 |
| Earnings coverage of net charge-offs (x) | 120.0000% | 392 |
| Efficiency ratio | 89.8348% | 1,035 |
| Assets per employee ($millions) | 3.3045% | 5,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0424% | 5,369 |
| Loan loss allowance to noncurrent loans | 96.6495% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 0.6907% | 4,182 |
| Noncurrent loans to loans | 1.0785% | 3,368 |
| Net loans and leases to total assets | 63.3740% | 3,145 |
| Net loans and leases to deposits | 71.2006% | 3,627 |
| Net loans and leases to core deposits | 75.1187% | 3,718 |
| Total domestic deposits to total assets | 89.0078% | 1,618 |
| Equity capital to assets | 9.9028% | 3,898 |
| Core capital (leverage) ratio | 9.6845% | 4,011 |
| Tier 1 risk-based capital ratio | 18.2067% | 2,183 |
| Total risk-based capital ratio | 19.4429% | 2,146 |
| Memoranda: | ||
| Average total assets | $56,088,000 | 5,867 |
| Average earning assets | $51,210,000 | 5,856 |
| Average equity | $5,493,400 | 5,929 |
| Average total loans | $36,169,400 | 5,492 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7097% | 5,139 |
| Cost of funding earning assets | 0.5471% | 3,292 |
| Net interest margin | 3.1626% | 5,109 |
| Noninterest income to average assets | 1.3626% | 782 |
| Noninterest expense to average assets | 3.7764% | 1,111 |
| Loan and lease loss provision to assets | 0.0095% | 4,796 |
| Net operating income to assets | 0.3139% | 5,567 |
| Return on assets (ROA) | 0.3139% | 5,683 |
| Pretax return on assets | 0.4637% | 5,465 |
| Return on Equity (ROE) | 3.2140% | 5,525 |
| Retained earnings to average equity (ytd only) | 3.2140% | 4,388 |
| Net charge-offs to loans | 0.0074% | 5,023 |
| Credit loss provision to net charge-offs | 200.0000% | 1,204 |
| Earnings coverage of net charge-offs (x) | 99.3745% | 500 |
| Efficiency ratio | 88.8640% | 1,097 |
| Assets per employee ($millions) | 3.3894% | 5,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0364% | 5,575 |
| Loan loss allowance to noncurrent loans | 68.1818% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 0.9545% | 3,759 |
| Noncurrent loans to loans | 1.5201% | 2,886 |
| Net loans and leases to total assets | 62.1451% | 3,333 |
| Net loans and leases to deposits | 69.5287% | 3,849 |
| Net loans and leases to core deposits | 73.2255% | 3,945 |
| Total domestic deposits to total assets | 89.3804% | 1,370 |
| Equity capital to assets | 9.6043% | 4,410 |
| Core capital (leverage) ratio | 9.8688% | 3,865 |
| Tier 1 risk-based capital ratio | 18.2195% | 2,238 |
| Total risk-based capital ratio | 19.4633% | 2,206 |
| Memoranda: | ||
| Average total assets | $56,066,000 | 5,930 |
| Average earning assets | $51,179,750 | 5,922 |
| Average equity | $5,476,000 | 6,009 |
| Average total loans | $36,217,750 | 5,538 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8014% | 4,828 |
| Cost of funding earning assets | 0.5583% | 3,333 |
| Net interest margin | 3.2431% | 4,794 |
| Noninterest income to average assets | 1.5590% | 651 |
| Noninterest expense to average assets | 3.8453% | 1,042 |
| Loan and lease loss provision to assets | 0.0144% | 4,600 |
| Net operating income to assets | 0.4249% | 5,128 |
| Return on assets (ROA) | 0.4249% | 5,282 |
| Pretax return on assets | 0.6481% | 4,848 |
| Return on Equity (ROE) | 4.3250% | 5,084 |
| Retained earnings to average equity (ytd only) | 4.3250% | 3,523 |
| Net charge-offs to loans | 0.0110% | 4,653 |
| Credit loss provision to net charge-offs | 200.0000% | 1,183 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 501 |
| Efficiency ratio | 85.3035% | 1,487 |
| Assets per employee ($millions) | 3.1944% | 5,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 5,723 |
| Loan loss allowance to noncurrent loans | 111.6071% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.6187% | 4,688 |
| Noncurrent loans to loans | 0.9165% | 4,094 |
| Net loans and leases to total assets | 66.8207% | 2,446 |
| Net loans and leases to deposits | 75.2749% | 2,978 |
| Net loans and leases to core deposits | 79.9943% | 3,024 |
| Total domestic deposits to total assets | 88.7690% | 1,746 |
| Equity capital to assets | 10.1630% | 3,711 |
| Core capital (leverage) ratio | 10.0667% | 3,421 |
| Tier 1 risk-based capital ratio | 18.6530% | 2,099 |
| Total risk-based capital ratio | 19.9333% | 2,053 |
| Memoranda: | ||
| Average total assets | $55,548,000 | 5,981 |
| Average earning assets | $50,507,330 | 5,978 |
| Average equity | $5,456,670 | 6,057 |
| Average total loans | $36,229,330 | 5,566 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6054% | 5,438 |
| Cost of funding earning assets | 0.5577% | 3,496 |
| Net interest margin | 3.0477% | 5,443 |
| Noninterest income to average assets | 1.6237% | 590 |
| Noninterest expense to average assets | 3.8669% | 1,039 |
| Loan and lease loss provision to assets | 0.0285% | 4,104 |
| Net operating income to assets | 0.3347% | 5,422 |
| Return on assets (ROA) | 0.3347% | 5,559 |
| Pretax return on assets | 0.4914% | 5,289 |
| Return on Equity (ROE) | 3.4651% | 5,359 |
| Retained earnings to average equity (ytd only) | 3.4651% | 4,173 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1494% | 1,313 |
| Assets per employee ($millions) | 3.2476% | 5,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 5,894 |
| Loan loss allowance to noncurrent loans | 54.0115% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 1.2643% | 3,452 |
| Noncurrent loans to loans | 1.8994% | 2,739 |
| Net loans and leases to total assets | 65.8806% | 2,385 |
| Net loans and leases to deposits | 73.9313% | 2,927 |
| Net loans and leases to core deposits | 78.9683% | 2,934 |
| Total domestic deposits to total assets | 89.1105% | 1,621 |
| Equity capital to assets | 9.8698% | 4,322 |
| Core capital (leverage) ratio | 9.6416% | 3,860 |
| Tier 1 risk-based capital ratio | 17.9539% | 2,386 |
| Total risk-based capital ratio | 19.2024% | 2,350 |
| Memoranda: | ||
| Average total assets | $56,169,500 | 6,016 |
| Average earning assets | $50,923,500 | 6,021 |
| Average equity | $5,425,500 | 6,133 |
| Average total loans | $36,013,000 | 5,617 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0066% | 5,277 |
| Cost of funding earning assets | 0.7188% | 3,337 |
| Net interest margin | 3.2878% | 5,290 |
| Noninterest income to average assets | 2.0832% | 407 |
| Noninterest expense to average assets | 4.0837% | 882 |
| Loan and lease loss provision to assets | 0.0883% | 4,589 |
| Net operating income to assets | 0.5700% | 4,376 |
| Return on assets (ROA) | 0.5700% | 4,636 |
| Pretax return on assets | 0.9138% | 3,878 |
| Return on Equity (ROE) | 5.9423% | 4,203 |
| Retained earnings to average equity (ytd only) | 5.9423% | 2,110 |
| Net charge-offs to loans | 0.0329% | 5,459 |
| Credit loss provision to net charge-offs | 400.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 45.4167% | 722 |
| Efficiency ratio | 80.2965% | 2,108 |
| Assets per employee ($millions) | 3.3606% | 5,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0573% | 5,733 |
| Loan loss allowance to noncurrent loans | 45.1574% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 1.4458% | 3,215 |
| Noncurrent loans to loans | 2.3415% | 2,295 |
| Net loans and leases to total assets | 61.0957% | 3,401 |
| Net loans and leases to deposits | 68.3374% | 3,932 |
| Net loans and leases to core deposits | 72.8031% | 3,936 |
| Total domestic deposits to total assets | 89.4031% | 1,305 |
| Equity capital to assets | 9.4556% | 4,927 |
| Core capital (leverage) ratio | 9.7477% | 3,730 |
| Tier 1 risk-based capital ratio | 18.0514% | 2,242 |
| Total risk-based capital ratio | 19.3004% | 2,215 |
| Memoranda: | ||
| Average total assets | $54,386,400 | 6,069 |
| Average earning assets | $49,668,000 | 6,066 |
| Average equity | $5,216,800 | 6,236 |
| Average total loans | $36,494,800 | 5,661 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0314% | 5,431 |
| Cost of funding earning assets | 0.7493% | 3,358 |
| Net interest margin | 3.2821% | 5,446 |
| Noninterest income to average assets | 1.6883% | 543 |
| Noninterest expense to average assets | 3.9105% | 1,052 |
| Loan and lease loss provision to assets | 0.0894% | 4,490 |
| Net operating income to assets | 0.4395% | 5,082 |
| Return on assets (ROA) | 0.4395% | 5,321 |
| Pretax return on assets | 0.6902% | 4,895 |
| Return on Equity (ROE) | 4.5642% | 5,016 |
| Retained earnings to average equity (ytd only) | 4.5642% | 3,688 |
| Net charge-offs to loans | 0.0290% | 5,259 |
| Credit loss provision to net charge-offs | 450.0000% | 592 |
| Earnings coverage of net charge-offs (x) | 39.2371% | 896 |
| Efficiency ratio | 83.3774% | 1,658 |
| Assets per employee ($millions) | 3.2648% | 5,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9795% | 6,160 |
| Loan loss allowance to noncurrent loans | 42.6901% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 1.5405% | 3,271 |
| Noncurrent loans to loans | 2.2944% | 2,518 |
| Net loans and leases to total assets | 66.4841% | 2,564 |
| Net loans and leases to deposits | 74.5334% | 3,214 |
| Net loans and leases to core deposits | 79.5653% | 3,262 |
| Total domestic deposits to total assets | 89.2004% | 1,312 |
| Equity capital to assets | 9.4934% | 5,214 |
| Core capital (leverage) ratio | 9.4061% | 4,425 |
| Tier 1 risk-based capital ratio | 17.1607% | 2,667 |
| Total risk-based capital ratio | 18.3574% | 2,637 |
| Memoranda: | ||
| Average total assets | $53,700,500 | 6,166 |
| Average earning assets | $49,113,000 | 6,157 |
| Average equity | $5,170,500 | 6,318 |
| Average total loans | $36,799,250 | 5,715 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1361% | 5,178 |
| Cost of funding earning assets | 0.7670% | 3,467 |
| Net interest margin | 3.3691% | 5,205 |
| Noninterest income to average assets | 1.5217% | 634 |
| Noninterest expense to average assets | 3.7589% | 1,276 |
| Loan and lease loss provision to assets | 0.0904% | 4,440 |
| Net operating income to assets | 0.4746% | 4,933 |
| Return on assets (ROA) | 0.4746% | 5,181 |
| Pretax return on assets | 0.7495% | 4,656 |
| Return on Equity (ROE) | 4.9049% | 4,848 |
| Retained earnings to average equity (ytd only) | 4.9049% | 3,332 |
| Net charge-offs to loans | 0.0437% | 4,766 |
| Credit loss provision to net charge-offs | 300.0000% | 969 |
| Earnings coverage of net charge-offs (x) | 27.8750% | 1,120 |
| Efficiency ratio | 81.7363% | 1,918 |
| Assets per employee ($millions) | 3.3035% | 5,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9427% | 6,344 |
| Loan loss allowance to noncurrent loans | 48.5517% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 1.2910% | 3,845 |
| Noncurrent loans to loans | 1.9417% | 3,008 |
| Net loans and leases to total assets | 65.8600% | 2,698 |
| Net loans and leases to deposits | 73.7866% | 3,325 |
| Net loans and leases to core deposits | 78.7041% | 3,416 |
| Total domestic deposits to total assets | 89.2575% | 1,355 |
| Equity capital to assets | 9.2913% | 5,333 |
| Core capital (leverage) ratio | 9.4222% | 4,266 |
| Tier 1 risk-based capital ratio | 16.7507% | 2,786 |
| Total risk-based capital ratio | 17.8881% | 2,789 |
| Memoranda: | ||
| Average total assets | $53,100,000 | 6,223 |
| Average earning assets | $48,499,330 | 6,217 |
| Average equity | $5,137,670 | 6,357 |
| Average total loans | $36,644,000 | 5,752 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2240% | 5,017 |
| Cost of funding earning assets | 0.8107% | 3,386 |
| Net interest margin | 3.4134% | 5,065 |
| Noninterest income to average assets | 1.4892% | 652 |
| Noninterest expense to average assets | 4.1187% | 808 |
| Loan and lease loss provision to assets | 0.1008% | 4,081 |
| Net operating income to assets | 0.2560% | 5,794 |
| Return on assets (ROA) | 0.2560% | 5,951 |
| Pretax return on assets | 0.3723% | 5,805 |
| Return on Equity (ROE) | 2.5895% | 5,868 |
| Retained earnings to average equity (ytd only) | 2.5895% | 4,963 |
| Net charge-offs to loans | 0.0882% | 3,635 |
| Credit loss provision to net charge-offs | 162.5000% | 1,567 |
| Earnings coverage of net charge-offs (x) | 7.6250% | 2,057 |
| Efficiency ratio | 89.6959% | 1,124 |
| Assets per employee ($millions) | 3.4685% | 5,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9446% | 6,433 |
| Loan loss allowance to noncurrent loans | 47.1074% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 1.3954% | 3,775 |
| Noncurrent loans to loans | 2.0052% | 3,157 |
| Net loans and leases to total assets | 68.9302% | 1,955 |
| Net loans and leases to deposits | 78.0343% | 2,498 |
| Net loans and leases to core deposits | 83.7373% | 2,576 |
| Total domestic deposits to total assets | 88.3332% | 2,107 |
| Equity capital to assets | 9.8505% | 4,310 |
| Core capital (leverage) ratio | 9.9508% | 3,426 |
| Tier 1 risk-based capital ratio | 17.1027% | 2,645 |
| Total risk-based capital ratio | 18.2514% | 2,641 |
| Memoranda: | ||
| Average total assets | $51,570,000 | 6,322 |
| Average earning assets | $46,874,500 | 6,301 |
| Average equity | $5,097,500 | 6,398 |
| Average total loans | $36,296,500 | 5,809 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5826% | 4,745 |
| Cost of funding earning assets | 0.9467% | 3,738 |
| Net interest margin | 3.6359% | 4,588 |
| Noninterest income to average assets | 1.1450% | 1,001 |
| Noninterest expense to average assets | 4.0075% | 1,028 |
| Loan and lease loss provision to assets | 0.1353% | 4,924 |
| Net operating income to assets | 0.2176% | 5,537 |
| Return on assets (ROA) | 0.2176% | 5,673 |
| Pretax return on assets | 0.3078% | 5,534 |
| Return on Equity (ROE) | 2.2196% | 5,577 |
| Retained earnings to average equity (ytd only) | 2.2196% | 4,636 |
| Net charge-offs to loans | 0.2335% | 4,321 |
| Credit loss provision to net charge-offs | 82.1429% | 4,360 |
| Earnings coverage of net charge-offs (x) | 2.6905% | 3,865 |
| Efficiency ratio | 90.0441% | 1,189 |
| Assets per employee ($millions) | 3.4075% | 5,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9261% | 6,473 |
| Loan loss allowance to noncurrent loans | 30.8044% | 6,149 |
| Noncurrent assets plus other real estate owned to assets | 2.1404% | 2,799 |
| Noncurrent loans to loans | 3.0065% | 2,160 |
| Net loans and leases to total assets | 70.5333% | 1,920 |
| Net loans and leases to deposits | 80.6438% | 2,413 |
| Net loans and leases to core deposits | 87.2504% | 2,468 |
| Total domestic deposits to total assets | 87.4628% | 2,491 |
| Equity capital to assets | 9.9194% | 4,275 |
| Core capital (leverage) ratio | 9.7413% | 3,687 |
| Tier 1 risk-based capital ratio | 16.7643% | 2,710 |
| Total risk-based capital ratio | 17.8857% | 2,727 |
| Memoranda: | ||
| Average total assets | $51,004,600 | 6,336 |
| Average earning assets | $46,371,000 | 6,317 |
| Average equity | $5,000,800 | 6,450 |
| Average total loans | $35,970,200 | 5,869 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5224% | 5,191 |
| Cost of funding earning assets | 0.9609% | 3,950 |
| Net interest margin | 3.5615% | 4,935 |
| Noninterest income to average assets | 1.0148% | 1,305 |
| Noninterest expense to average assets | 3.9258% | 1,111 |
| Loan and lease loss provision to assets | 0.1360% | 4,740 |
| Net operating income to assets | 0.1491% | 5,839 |
| Return on assets (ROA) | 0.1491% | 5,957 |
| Pretax return on assets | 0.1909% | 5,912 |
| Return on Equity (ROE) | 1.5250% | 5,930 |
| Retained earnings to average equity (ytd only) | 1.5250% | 5,373 |
| Net charge-offs to loans | 0.1078% | 4,926 |
| Credit loss provision to net charge-offs | 179.3103% | 1,661 |
| Earnings coverage of net charge-offs (x) | 4.3098% | 3,110 |
| Efficiency ratio | 92.3124% | 1,011 |
| Assets per employee ($millions) | 3.2474% | 5,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0487% | 6,052 |
| Loan loss allowance to noncurrent loans | 31.7259% | 6,150 |
| Noncurrent assets plus other real estate owned to assets | 2.2749% | 2,816 |
| Noncurrent loans to loans | 3.3054% | 2,089 |
| Net loans and leases to total assets | 68.1018% | 2,472 |
| Net loans and leases to deposits | 77.5851% | 3,073 |
| Net loans and leases to core deposits | 83.7971% | 3,092 |
| Total domestic deposits to total assets | 87.7769% | 2,177 |
| Equity capital to assets | 9.6538% | 4,850 |
| Core capital (leverage) ratio | 9.7553% | 3,763 |
| Tier 1 risk-based capital ratio | 16.6183% | 2,801 |
| Total risk-based capital ratio | 17.8687% | 2,766 |
| Memoranda: | ||
| Average total assets | $50,977,750 | 6,393 |
| Average earning assets | $46,346,000 | 6,372 |
| Average equity | $4,983,500 | 6,506 |
| Average total loans | $35,865,750 | 5,930 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5993% | 4,962 |
| Cost of funding earning assets | 0.9877% | 4,030 |
| Net interest margin | 3.6115% | 4,675 |
| Noninterest income to average assets | 0.9319% | 1,528 |
| Noninterest expense to average assets | 3.9486% | 1,121 |
| Loan and lease loss provision to assets | 0.1106% | 4,918 |
| Net operating income to assets | 0.1264% | 5,943 |
| Return on assets (ROA) | 0.1264% | 6,035 |
| Pretax return on assets | 0.1500% | 6,019 |
| Return on Equity (ROE) | 1.2870% | 6,006 |
| Retained earnings to average equity (ytd only) | 1.2870% | 5,334 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8086% | 990 |
| Assets per employee ($millions) | 3.3068% | 5,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 6,080 |
| Loan loss allowance to noncurrent loans | 28.8535% | 6,333 |
| Noncurrent assets plus other real estate owned to assets | 2.4892% | 2,680 |
| Noncurrent loans to loans | 3.6880% | 1,907 |
| Net loans and leases to total assets | 66.7750% | 2,866 |
| Net loans and leases to deposits | 75.9279% | 3,488 |
| Net loans and leases to core deposits | 81.8753% | 3,516 |
| Total domestic deposits to total assets | 87.9453% | 2,171 |
| Equity capital to assets | 9.4332% | 4,919 |
| Core capital (leverage) ratio | 9.4679% | 3,999 |
| Tier 1 risk-based capital ratio | 16.4784% | 2,750 |
| Total risk-based capital ratio | 17.7278% | 2,714 |
| Memoranda: | ||
| Average total assets | $50,650,670 | 6,461 |
| Average earning assets | $45,964,000 | 6,442 |
| Average equity | $4,972,670 | 6,542 |
| Average total loans | $35,901,000 | 5,974 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8392% | 3,873 |
| Cost of funding earning assets | 1.0536% | 3,832 |
| Net interest margin | 3.7857% | 3,675 |
| Noninterest income to average assets | 0.9047% | 1,646 |
| Noninterest expense to average assets | 4.0952% | 925 |
| Loan and lease loss provision to assets | 0.1212% | 4,497 |
| Net operating income to assets | 0.1050% | 6,084 |
| Return on assets (ROA) | 0.1050% | 6,137 |
| Pretax return on assets | 0.1131% | 6,142 |
| Return on Equity (ROE) | 1.0476% | 6,115 |
| Retained earnings to average equity (ytd only) | 1.0476% | 5,406 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5896% | 1,009 |
| Assets per employee ($millions) | 3.3671% | 5,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0156% | 6,333 |
| Loan loss allowance to noncurrent loans | 33.9815% | 6,025 |
| Noncurrent assets plus other real estate owned to assets | 2.1384% | 3,143 |
| Noncurrent loans to loans | 2.9887% | 2,513 |
| Net loans and leases to total assets | 70.8213% | 1,965 |
| Net loans and leases to deposits | 81.3154% | 2,476 |
| Net loans and leases to core deposits | 90.8996% | 2,251 |
| Total domestic deposits to total assets | 87.0946% | 2,896 |
| Equity capital to assets | 9.8404% | 3,972 |
| Core capital (leverage) ratio | 9.7227% | 3,489 |
| Tier 1 risk-based capital ratio | 17.9123% | 2,141 |
| Total risk-based capital ratio | 19.1641% | 2,114 |
| Memoranda: | ||
| Average total assets | $49,521,500 | 6,543 |
| Average earning assets | $44,800,500 | 6,531 |
| Average equity | $4,963,500 | 6,582 |
| Average total loans | $35,996,500 | 6,026 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1765% | 3,720 |
| Cost of funding earning assets | 1.1424% | 4,893 |
| Net interest margin | 4.0341% | 2,869 |
| Noninterest income to average assets | 1.2617% | 929 |
| Noninterest expense to average assets | 4.0999% | 1,023 |
| Loan and lease loss provision to assets | 0.3149% | 4,286 |
| Net operating income to assets | 0.3443% | 4,770 |
| Return on assets (ROA) | 0.3443% | 4,929 |
| Pretax return on assets | 0.5164% | 4,558 |
| Return on Equity (ROE) | 3.3728% | 4,800 |
| Retained earnings to average equity (ytd only) | 3.3728% | 3,505 |
| Net charge-offs to loans | 0.0455% | 6,352 |
| Credit loss provision to net charge-offs | 882.3529% | 245 |
| Earnings coverage of net charge-offs (x) | 23.2941% | 908 |
| Efficiency ratio | 83.1418% | 2,038 |
| Assets per employee ($millions) | 3.0336% | 6,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 6,452 |
| Loan loss allowance to noncurrent loans | 26.1710% | 6,528 |
| Noncurrent assets plus other real estate owned to assets | 2.7711% | 2,527 |
| Noncurrent loans to loans | 3.7510% | 1,975 |
| Net loans and leases to total assets | 73.1504% | 1,839 |
| Net loans and leases to deposits | 84.9280% | 2,294 |
| Net loans and leases to core deposits | 95.4923% | 2,072 |
| Total domestic deposits to total assets | 86.1322% | 3,285 |
| Equity capital to assets | 10.2128% | 3,486 |
| Core capital (leverage) ratio | 10.0037% | 3,088 |
| Tier 1 risk-based capital ratio | 18.0158% | 1,992 |
| Total risk-based capital ratio | 19.2674% | 1,952 |
| Memoranda: | ||
| Average total assets | $47,635,800 | 6,613 |
| Average earning assets | $43,330,800 | 6,606 |
| Average equity | $4,862,400 | 6,709 |
| Average total loans | $37,379,400 | 6,044 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2425% | 3,616 |
| Cost of funding earning assets | 1.1492% | 5,155 |
| Net interest margin | 4.0933% | 2,655 |
| Noninterest income to average assets | 1.2177% | 940 |
| Noninterest expense to average assets | 4.1340% | 896 |
| Loan and lease loss provision to assets | 0.3093% | 4,105 |
| Net operating income to assets | 0.3347% | 5,030 |
| Return on assets (ROA) | 0.3347% | 5,199 |
| Pretax return on assets | 0.5006% | 4,923 |
| Return on Equity (ROE) | 3.2789% | 5,107 |
| Retained earnings to average equity (ytd only) | 3.2789% | 4,140 |
| Net charge-offs to loans | 0.0353% | 6,208 |
| Credit loss provision to net charge-offs | 1,100.0000% | 270 |
| Earnings coverage of net charge-offs (x) | 28.8065% | 907 |
| Efficiency ratio | 83.6177% | 1,877 |
| Assets per employee ($millions) | 2.9566% | 6,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8624% | 6,858 |
| Loan loss allowance to noncurrent loans | 28.3304% | 6,430 |
| Noncurrent assets plus other real estate owned to assets | 2.3802% | 2,997 |
| Noncurrent loans to loans | 3.0440% | 2,624 |
| Net loans and leases to total assets | 77.5208% | 1,120 |
| Net loans and leases to deposits | 90.6780% | 1,629 |
| Net loans and leases to core deposits | 102.3386% | 1,624 |
| Total domestic deposits to total assets | 85.4902% | 3,349 |
| Equity capital to assets | 10.3835% | 3,666 |
| Core capital (leverage) ratio | 10.1304% | 3,119 |
| Tier 1 risk-based capital ratio | 17.6688% | 2,121 |
| Total risk-based capital ratio | 18.8243% | 2,123 |
| Memoranda: | ||
| Average total assets | $47,410,500 | 6,706 |
| Average earning assets | $43,159,250 | 6,691 |
| Average equity | $4,838,750 | 6,799 |
| Average total loans | $37,760,000 | 6,108 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1410% | 4,240 |
| Cost of funding earning assets | 1.1450% | 5,439 |
| Net interest margin | 3.9960% | 3,033 |
| Noninterest income to average assets | 0.9232% | 1,609 |
| Noninterest expense to average assets | 4.0721% | 955 |
| Loan and lease loss provision to assets | 0.3035% | 3,970 |
| Net operating income to assets | 0.1475% | 5,728 |
| Return on assets (ROA) | 0.1475% | 5,844 |
| Pretax return on assets | 0.1813% | 5,813 |
| Return on Equity (ROE) | 1.4540% | 5,813 |
| Retained earnings to average equity (ytd only) | 1.4540% | 5,145 |
| Net charge-offs to loans | 0.0526% | 5,647 |
| Credit loss provision to net charge-offs | 720.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 1,760 |
| Efficiency ratio | 89.3617% | 1,386 |
| Assets per employee ($millions) | 2.9738% | 6,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7480% | 7,156 |
| Loan loss allowance to noncurrent loans | 32.2618% | 6,211 |
| Noncurrent assets plus other real estate owned to assets | 1.8306% | 3,719 |
| Noncurrent loans to loans | 2.3184% | 3,347 |
| Net loans and leases to total assets | 78.3691% | 1,051 |
| Net loans and leases to deposits | 91.7317% | 1,575 |
| Net loans and leases to core deposits | 102.7048% | 1,764 |
| Total domestic deposits to total assets | 85.4330% | 3,400 |
| Equity capital to assets | 10.1471% | 3,835 |
| Core capital (leverage) ratio | 9.8361% | 3,358 |
| Tier 1 risk-based capital ratio | 16.8714% | 2,333 |
| Total risk-based capital ratio | 17.8603% | 2,387 |
| Memoranda: | ||
| Average total assets | $47,445,330 | 6,750 |
| Average earning assets | $43,143,000 | 6,735 |
| Average equity | $4,814,330 | 6,838 |
| Average total loans | $38,016,330 | 6,134 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1318% | 4,386 |
| Cost of funding earning assets | 1.1229% | 5,785 |
| Net interest margin | 4.0090% | 2,841 |
| Noninterest income to average assets | 1.0300% | 1,202 |
| Noninterest expense to average assets | 4.0778% | 931 |
| Loan and lease loss provision to assets | 0.2533% | 4,020 |
| Net operating income to assets | 0.2448% | 5,521 |
| Return on assets (ROA) | 0.2448% | 5,642 |
| Pretax return on assets | 0.3462% | 5,471 |
| Return on Equity (ROE) | 2.4129% | 5,586 |
| Retained earnings to average equity (ytd only) | 2.4129% | 4,688 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1841% | 1,668 |
| Assets per employee ($millions) | 3.4048% | 5,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6566% | 7,419 |
| Loan loss allowance to noncurrent loans | 20.6811% | 6,970 |
| Noncurrent assets plus other real estate owned to assets | 2.5259% | 2,879 |
| Noncurrent loans to loans | 3.1749% | 2,523 |
| Net loans and leases to total assets | 79.0337% | 975 |
| Net loans and leases to deposits | 96.5751% | 1,036 |
| Net loans and leases to core deposits | 104.2101% | 1,722 |
| Total domestic deposits to total assets | 81.8365% | 5,137 |
| Equity capital to assets | 10.1160% | 3,726 |
| Core capital (leverage) ratio | 10.4372% | 2,684 |
| Tier 1 risk-based capital ratio | 16.8432% | 2,325 |
| Total risk-based capital ratio | 17.7193% | 2,417 |
| Memoranda: | ||
| Average total assets | $47,378,000 | 6,826 |
| Average earning assets | $43,103,500 | 6,817 |
| Average equity | $4,807,500 | 6,908 |
| Average total loans | $38,240,000 | 6,201 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3287% | 5,030 |
| Cost of funding earning assets | 1.6614% | 4,720 |
| Net interest margin | 3.6673% | 4,270 |
| Noninterest income to average assets | 1.5300% | 610 |
| Noninterest expense to average assets | 4.2374% | 1,048 |
| Loan and lease loss provision to assets | 0.3761% | 4,531 |
| Net operating income to assets | 0.1955% | 4,911 |
| Return on assets (ROA) | 0.1955% | 4,982 |
| Pretax return on assets | 0.2656% | 4,857 |
| Return on Equity (ROE) | 1.9346% | 4,936 |
| Retained earnings to average equity (ytd only) | 1.9346% | 3,743 |
| Net charge-offs to loans | 0.5719% | 3,505 |
| Credit loss provision to net charge-offs | 81.1927% | 6,260 |
| Earnings coverage of net charge-offs (x) | 1.3853% | 4,751 |
| Efficiency ratio | 86.8467% | 2,014 |
| Assets per employee ($millions) | 3.1393% | 5,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5680% | 7,602 |
| Loan loss allowance to noncurrent loans | 16.1863% | 7,205 |
| Noncurrent assets plus other real estate owned to assets | 2.8733% | 2,440 |
| Noncurrent loans to loans | 3.5090% | 2,165 |
| Net loans and leases to total assets | 81.4182% | 775 |
| Net loans and leases to deposits | 97.6516% | 1,140 |
| Net loans and leases to core deposits | 115.4824% | 2,370 |
| Total domestic deposits to total assets | 83.3762% | 4,346 |
| Equity capital to assets | 10.1786% | 3,533 |
| Core capital (leverage) ratio | 10.2362% | 2,840 |
| Tier 1 risk-based capital ratio | 16.7229% | 2,228 |
| Total risk-based capital ratio | 17.4926% | 2,358 |
| Memoranda: | ||
| Average total assets | $47,057,600 | 6,826 |
| Average earning assets | $42,974,600 | 6,818 |
| Average equity | $4,755,400 | 7,043 |
| Average total loans | $38,121,200 | 6,196 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2889% | 5,493 |
| Cost of funding earning assets | 1.7723% | 4,512 |
| Net interest margin | 3.5167% | 4,799 |
| Noninterest income to average assets | 1.5699% | 598 |
| Noninterest expense to average assets | 4.2734% | 944 |
| Loan and lease loss provision to assets | 0.2324% | 5,114 |
| Net operating income to assets | 0.2012% | 5,152 |
| Return on assets (ROA) | 0.2012% | 5,239 |
| Pretax return on assets | 0.2749% | 5,124 |
| Return on Equity (ROE) | 1.9945% | 5,158 |
| Retained earnings to average equity (ytd only) | 1.9945% | 4,210 |
| Net charge-offs to loans | 0.4209% | 3,581 |
| Credit loss provision to net charge-offs | 68.3333% | 6,015 |
| Earnings coverage of net charge-offs (x) | 1.4916% | 4,670 |
| Efficiency ratio | 89.3894% | 1,746 |
| Assets per employee ($millions) | 3.1433% | 5,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5763% | 7,616 |
| Loan loss allowance to noncurrent loans | 15.5680% | 7,304 |
| Noncurrent assets plus other real estate owned to assets | 3.0244% | 2,294 |
| Noncurrent loans to loans | 3.7018% | 2,015 |
| Net loans and leases to total assets | 81.2301% | 943 |
| Net loans and leases to deposits | 96.6952% | 1,490 |
| Net loans and leases to core deposits | 112.3530% | 2,986 |
| Total domestic deposits to total assets | 84.0064% | 3,718 |
| Equity capital to assets | 10.1209% | 3,936 |
| Core capital (leverage) ratio | 9.5613% | 3,832 |
| Tier 1 risk-based capital ratio | 16.2040% | 2,557 |
| Total risk-based capital ratio | 16.9629% | 2,666 |
| Memoranda: | ||
| Average total assets | $47,049,750 | 6,871 |
| Average earning assets | $42,956,500 | 6,866 |
| Average equity | $4,746,000 | 7,096 |
| Average total loans | $38,012,000 | 6,245 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4188% | 5,043 |
| Cost of funding earning assets | 1.8342% | 4,588 |
| Net interest margin | 3.5846% | 4,434 |
| Noninterest income to average assets | 1.8036% | 449 |
| Noninterest expense to average assets | 4.3559% | 895 |
| Loan and lease loss provision to assets | 0.2212% | 4,818 |
| Net operating income to assets | 0.3361% | 4,737 |
| Return on assets (ROA) | 0.3361% | 4,848 |
| Pretax return on assets | 0.5020% | 4,608 |
| Return on Equity (ROE) | 3.3352% | 4,774 |
| Retained earnings to average equity (ytd only) | 3.3352% | 3,472 |
| Net charge-offs to loans | 0.4440% | 3,037 |
| Credit loss provision to net charge-offs | 61.9048% | 5,564 |
| Earnings coverage of net charge-offs (x) | 2.0238% | 4,077 |
| Efficiency ratio | 85.7621% | 2,251 |
| Assets per employee ($millions) | 3.3574% | 5,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5882% | 7,653 |
| Loan loss allowance to noncurrent loans | 14.1264% | 7,392 |
| Noncurrent assets plus other real estate owned to assets | 3.4338% | 1,820 |
| Noncurrent loans to loans | 4.1639% | 1,598 |
| Net loans and leases to total assets | 81.9803% | 961 |
| Net loans and leases to deposits | 98.3437% | 1,479 |
| Net loans and leases to core deposits | 114.7016% | 2,836 |
| Total domestic deposits to total assets | 83.3610% | 4,086 |
| Equity capital to assets | 10.1693% | 3,752 |
| Core capital (leverage) ratio | 9.2811% | 4,197 |
| Tier 1 risk-based capital ratio | 15.6333% | 2,757 |
| Total risk-based capital ratio | 16.3841% | 2,901 |
| Memoranda: | ||
| Average total assets | $47,016,330 | 6,941 |
| Average earning assets | $42,961,330 | 6,929 |
| Average equity | $4,737,330 | 7,159 |
| Average total loans | $37,842,000 | 6,302 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6257% | 4,207 |
| Cost of funding earning assets | 1.8721% | 4,778 |
| Net interest margin | 3.7536% | 3,642 |
| Noninterest income to average assets | 1.3781% | 748 |
| Noninterest expense to average assets | 4.2703% | 879 |
| Loan and lease loss provision to assets | 0.1701% | 4,766 |
| Net operating income to assets | 0.2552% | 5,468 |
| Return on assets (ROA) | 0.2552% | 5,630 |
| Pretax return on assets | 0.3658% | 5,497 |
| Return on Equity (ROE) | 2.5445% | 5,553 |
| Retained earnings to average equity (ytd only) | 2.5445% | 4,462 |
| Net charge-offs to loans | 0.8988% | 1,463 |
| Credit loss provision to net charge-offs | 23.8095% | 5,028 |
| Earnings coverage of net charge-offs (x) | 0.7500% | 4,424 |
| Efficiency ratio | 88.8496% | 1,822 |
| Assets per employee ($millions) | 3.0589% | 5,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5132% | 7,807 |
| Loan loss allowance to noncurrent loans | 26.5583% | 6,802 |
| Noncurrent assets plus other real estate owned to assets | 1.5079% | 3,673 |
| Noncurrent loans to loans | 1.9324% | 3,366 |
| Net loans and leases to total assets | 77.6307% | 1,904 |
| Net loans and leases to deposits | 92.6118% | 2,495 |
| Net loans and leases to core deposits | 107.9160% | 3,695 |
| Total domestic deposits to total assets | 83.8237% | 3,788 |
| Equity capital to assets | 9.6665% | 4,431 |
| Core capital (leverage) ratio | 9.7585% | 3,681 |
| Tier 1 risk-based capital ratio | 16.4504% | 2,534 |
| Total risk-based capital ratio | 17.1359% | 2,671 |
| Memoranda: | ||
| Average total assets | $47,022,500 | 6,990 |
| Average earning assets | $42,945,500 | 6,977 |
| Average equity | $4,716,000 | 7,218 |
| Average total loans | $37,382,000 | 6,359 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9353% | 5,878 |
| Cost of funding earning assets | 2.2600% | 5,335 |
| Net interest margin | 3.6752% | 4,578 |
| Noninterest income to average assets | 0.9462% | 1,784 |
| Noninterest expense to average assets | 4.2053% | 1,141 |
| Loan and lease loss provision to assets | 0.1480% | 5,466 |
| Net operating income to assets | -0.0043% | 6,376 |
| Return on assets (ROA) | -0.0043% | 6,242 |
| Pretax return on assets | -0.0751% | 6,241 |
| Return on Equity (ROE) | -0.0423% | 6,244 |
| Retained earnings to average equity (ytd only) | -0.0423% | 5,273 |
| Net charge-offs to loans | 0.0712% | 5,746 |
| Credit loss provision to net charge-offs | 276.0000% | 1,657 |
| Earnings coverage of net charge-offs (x) | 1.3600% | 5,448 |
| Efficiency ratio | 94.1825% | 1,267 |
| Assets per employee ($millions) | 2.8189% | 6,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7109% | 7,389 |
| Loan loss allowance to noncurrent loans | 35.4707% | 6,378 |
| Noncurrent assets plus other real estate owned to assets | 1.6252% | 2,995 |
| Noncurrent loans to loans | 2.0042% | 2,757 |
| Net loans and leases to total assets | 80.5135% | 1,547 |
| Net loans and leases to deposits | 103.8374% | 1,358 |
| Net loans and leases to core deposits | 126.2481% | 2,144 |
| Total domestic deposits to total assets | 77.5381% | 5,865 |
| Equity capital to assets | 10.4228% | 3,588 |
| Core capital (leverage) ratio | 10.3941% | 3,078 |
| Tier 1 risk-based capital ratio | 15.6295% | 2,805 |
| Total risk-based capital ratio | 16.4989% | 2,866 |
| Memoranda: | ||
| Average total assets | $46,607,600 | 6,913 |
| Average earning assets | $42,255,800 | 6,939 |
| Average equity | $4,730,400 | 7,240 |
| Average total loans | $35,100,000 | 6,421 |