Home > Choice Financial Savings Bank > Performance and Condition Ratios
Choice Financial Savings Bank, Performance and Condition Ratios
| 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 | 3.3094% | 6,140 |
| Cost of funding earning assets | 0.4174% | 4,931 |
| Net interest margin | 2.8920% | 5,829 |
| Noninterest income to average assets | 0.3423% | 4,954 |
| Noninterest expense to average assets | 2.5012% | 4,746 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2559% | 5,706 |
| Return on assets (ROA) | 2.2906% | 227 |
| Pretax return on assets | 3.3438% | 120 |
| Return on Equity (ROE) | 16.8646% | 522 |
| Retained earnings to average equity (ytd only) | 16.8646% | 236 |
| Net charge-offs to loans | -6.5024% | 6,973 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8182% | 2,061 |
| Assets per employee ($millions) | 3.9840% | 3,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9881% | 137 |
| Loan loss allowance to noncurrent loans | 98.6577% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 2.2214% | 2,099 |
| Noncurrent loans to loans | 5.0560% | 747 |
| Net loans and leases to total assets | 35.1406% | 6,357 |
| Net loans and leases to deposits | 40.5591% | 6,394 |
| Net loans and leases to core deposits | 40.5591% | 6,460 |
| Total domestic deposits to total assets | 86.6403% | 3,160 |
| Equity capital to assets | 12.9079% | 1,470 |
| Core capital (leverage) ratio | 10.6605% | 2,585 |
| Tier 1 risk-based capital ratio | 21.1278% | 1,508 |
| Total risk-based capital ratio | 22.4037% | 1,474 |
| Memoranda: | ||
| Average total assets | $15,192,500 | 6,963 |
| Average earning assets | $13,416,500 | 6,952 |
| Average equity | $2,063,500 | 6,874 |
| Average total loans | $6,028,500 | 6,909 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0751% | 5,037 |
| Cost of funding earning assets | 0.5181% | 5,087 |
| Net interest margin | 3.5570% | 4,279 |
| Noninterest income to average assets | 0.3809% | 4,745 |
| Noninterest expense to average assets | 2.9653% | 3,403 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3741% | 5,206 |
| Return on assets (ROA) | 0.3741% | 5,433 |
| Pretax return on assets | 0.5441% | 5,152 |
| Return on Equity (ROE) | 2.6759% | 5,682 |
| Retained earnings to average equity (ytd only) | 2.6759% | 4,352 |
| Net charge-offs to loans | -1.2512% | 7,031 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8140% | 2,033 |
| Assets per employee ($millions) | 3.6123% | 4,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1803% | 564 |
| Loan loss allowance to noncurrent loans | 66.2162% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 2.4362% | 2,008 |
| Noncurrent loans to loans | 4.8029% | 852 |
| Net loans and leases to total assets | 41.2970% | 6,066 |
| Net loans and leases to deposits | 48.4217% | 6,082 |
| Net loans and leases to core deposits | 48.4217% | 6,241 |
| Total domestic deposits to total assets | 85.2862% | 3,717 |
| Equity capital to assets | 14.3263% | 928 |
| Core capital (leverage) ratio | 11.1443% | 2,133 |
| Tier 1 risk-based capital ratio | 20.7615% | 1,512 |
| Total risk-based capital ratio | 22.0218% | 1,483 |
| Memoranda: | ||
| Average total assets | $14,703,200 | 7,031 |
| Average earning assets | $12,932,200 | 7,023 |
| Average equity | $2,055,400 | 6,943 |
| Average total loans | $6,713,600 | 6,962 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1548% | 4,968 |
| Cost of funding earning assets | 0.5437% | 5,138 |
| Net interest margin | 3.6111% | 4,189 |
| Noninterest income to average assets | 0.3973% | 4,658 |
| Noninterest expense to average assets | 2.9073% | 3,566 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4605% | 4,993 |
| Return on assets (ROA) | 0.4605% | 5,243 |
| Pretax return on assets | 0.6682% | 4,961 |
| Return on Equity (ROE) | 3.3142% | 5,568 |
| Retained earnings to average equity (ytd only) | 3.3142% | 4,538 |
| Net charge-offs to loans | -1.0313% | 7,121 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7778% | 2,423 |
| Assets per employee ($millions) | 3.5430% | 4,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5459% | 1,153 |
| Loan loss allowance to noncurrent loans | 47.1429% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 2.4697% | 2,140 |
| Noncurrent loans to loans | 5.4004% | 803 |
| Net loans and leases to total assets | 44.5668% | 5,924 |
| Net loans and leases to deposits | 52.4846% | 5,942 |
| Net loans and leases to core deposits | 52.4846% | 6,148 |
| Total domestic deposits to total assets | 84.9139% | 3,780 |
| Equity capital to assets | 14.7121% | 903 |
| Core capital (leverage) ratio | 11.3073% | 2,128 |
| Tier 1 risk-based capital ratio | 19.6242% | 1,845 |
| Total risk-based capital ratio | 20.8854% | 1,820 |
| Memoranda: | ||
| Average total assets | $14,766,750 | 7,127 |
| Average earning assets | $12,996,750 | 7,116 |
| Average equity | $2,051,750 | 7,034 |
| Average total loans | $6,851,250 | 7,047 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2326% | 4,837 |
| Cost of funding earning assets | 0.5765% | 5,105 |
| Net interest margin | 3.6561% | 4,005 |
| Noninterest income to average assets | 0.3876% | 4,745 |
| Noninterest expense to average assets | 2.9402% | 3,471 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4678% | 4,964 |
| Return on assets (ROA) | 0.4678% | 5,206 |
| Pretax return on assets | 0.6682% | 4,916 |
| Return on Equity (ROE) | 3.4302% | 5,518 |
| Retained earnings to average equity (ytd only) | 3.4302% | 4,319 |
| Net charge-offs to loans | -0.6595% | 7,157 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7778% | 2,491 |
| Assets per employee ($millions) | 3.6543% | 4,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0808% | 2,033 |
| Loan loss allowance to noncurrent loans | 28.0083% | 6,230 |
| Noncurrent assets plus other real estate owned to assets | 3.2975% | 1,641 |
| Noncurrent loans to loans | 7.4291% | 501 |
| Net loans and leases to total assets | 43.4631% | 6,069 |
| Net loans and leases to deposits | 50.8443% | 6,120 |
| Net loans and leases to core deposits | 54.3688% | 6,067 |
| Total domestic deposits to total assets | 85.4827% | 3,619 |
| Equity capital to assets | 14.1069% | 1,048 |
| Core capital (leverage) ratio | 10.8091% | 2,472 |
| Tier 1 risk-based capital ratio | 19.2767% | 1,903 |
| Total risk-based capital ratio | 20.5325% | 1,867 |
| Memoranda: | ||
| Average total assets | $14,965,000 | 7,185 |
| Average earning assets | $13,183,330 | 7,176 |
| Average equity | $2,040,670 | 7,086 |
| Average total loans | $6,974,670 | 7,101 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2880% | 4,786 |
| Cost of funding earning assets | 0.6297% | 4,895 |
| Net interest margin | 3.6583% | 4,016 |
| Noninterest income to average assets | 0.3435% | 5,109 |
| Noninterest expense to average assets | 3.3027% | 2,277 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1850% | 6,029 |
| Return on assets (ROA) | 0.1850% | 6,172 |
| Pretax return on assets | 0.2642% | 6,051 |
| Return on Equity (ROE) | 1.3793% | 6,266 |
| Retained earnings to average equity (ytd only) | 1.3793% | 5,549 |
| Net charge-offs to loans | -1.2746% | 7,230 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8889% | 1,189 |
| Assets per employee ($millions) | 3.8243% | 4,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9772% | 2,430 |
| Loan loss allowance to noncurrent loans | 40.2985% | 5,598 |
| Noncurrent assets plus other real estate owned to assets | 2.1900% | 2,696 |
| Noncurrent loans to loans | 4.9063% | 1,155 |
| Net loans and leases to total assets | 43.7537% | 6,036 |
| Net loans and leases to deposits | 50.6393% | 6,093 |
| Net loans and leases to core deposits | 53.9454% | 6,061 |
| Total domestic deposits to total assets | 86.4026% | 3,303 |
| Equity capital to assets | 13.2510% | 1,338 |
| Core capital (leverage) ratio | 10.0968% | 3,242 |
| Tier 1 risk-based capital ratio | 18.0096% | 2,285 |
| Total risk-based capital ratio | 19.2686% | 2,254 |
| Memoranda: | ||
| Average total assets | $15,139,000 | 7,241 |
| Average earning assets | $13,339,500 | 7,237 |
| Average equity | $2,030,000 | 7,144 |
| Average total loans | $7,218,000 | 7,156 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6099% | 4,641 |
| Cost of funding earning assets | 0.8361% | 4,573 |
| Net interest margin | 3.7738% | 3,960 |
| Noninterest income to average assets | 0.3489% | 5,017 |
| Noninterest expense to average assets | 3.1276% | 3,104 |
| Loan and lease loss provision to assets | -0.5710% | 7,337 |
| Net operating income to assets | 0.7042% | 3,467 |
| Return on assets (ROA) | 0.7042% | 3,653 |
| Pretax return on assets | 1.0277% | 3,130 |
| Return on Equity (ROE) | 5.6552% | 4,052 |
| Retained earnings to average equity (ytd only) | 5.6552% | 2,203 |
| Net charge-offs to loans | -0.7926% | 7,300 |
| Credit loss provision to net charge-offs | 145.1613% | 1,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8938% | 1,775 |
| Assets per employee ($millions) | 3.7453% | 4,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 4,140 |
| Loan loss allowance to noncurrent loans | 33.5329% | 5,964 |
| Noncurrent assets plus other real estate owned to assets | 2.2295% | 2,700 |
| Noncurrent loans to loans | 4.3901% | 1,372 |
| Net loans and leases to total assets | 50.0367% | 5,575 |
| Net loans and leases to deposits | 58.3346% | 5,667 |
| Net loans and leases to core deposits | 62.2540% | 5,629 |
| Total domestic deposits to total assets | 85.7753% | 3,446 |
| Equity capital to assets | 13.5705% | 1,234 |
| Core capital (leverage) ratio | 10.1819% | 3,115 |
| Tier 1 risk-based capital ratio | 16.9021% | 2,648 |
| Total risk-based capital ratio | 18.1536% | 2,609 |
| Memoranda: | ||
| Average total assets | $15,762,800 | 7,275 |
| Average earning assets | $13,514,400 | 7,274 |
| Average equity | $1,962,800 | 7,212 |
| Average total loans | $7,822,400 | 7,189 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6141% | 4,814 |
| Cost of funding earning assets | 0.8915% | 4,458 |
| Net interest margin | 3.7226% | 4,239 |
| Noninterest income to average assets | 0.3592% | 4,995 |
| Noninterest expense to average assets | 3.0997% | 3,163 |
| Loan and lease loss provision to assets | -0.7520% | 7,423 |
| Net operating income to assets | 0.8104% | 3,110 |
| Return on assets (ROA) | 0.8104% | 3,275 |
| Pretax return on assets | 1.1864% | 2,678 |
| Return on Equity (ROE) | 6.6485% | 3,690 |
| Retained earnings to average equity (ytd only) | 6.6485% | 2,168 |
| Net charge-offs to loans | -1.0495% | 7,385 |
| Credit loss provision to net charge-offs | 145.1613% | 2,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3972% | 1,695 |
| Assets per employee ($millions) | 3.9380% | 3,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 4,459 |
| Loan loss allowance to noncurrent loans | 31.1111% | 6,194 |
| Noncurrent assets plus other real estate owned to assets | 2.2854% | 2,801 |
| Noncurrent loans to loans | 4.5691% | 1,414 |
| Net loans and leases to total assets | 49.3080% | 5,796 |
| Net loans and leases to deposits | 59.6406% | 5,671 |
| Net loans and leases to core deposits | 63.5858% | 5,666 |
| Total domestic deposits to total assets | 82.6752% | 4,811 |
| Equity capital to assets | 12.9444% | 1,642 |
| Core capital (leverage) ratio | 9.5700% | 4,039 |
| Tier 1 risk-based capital ratio | 14.8208% | 3,770 |
| Total risk-based capital ratio | 15.9578% | 3,811 |
| Memoranda: | ||
| Average total assets | $15,958,250 | 7,351 |
| Average earning assets | $13,610,000 | 7,345 |
| Average equity | $1,945,250 | 7,288 |
| Average total loans | $7,876,000 | 7,261 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6374% | 4,806 |
| Cost of funding earning assets | 0.9009% | 4,665 |
| Net interest margin | 3.7365% | 4,091 |
| Noninterest income to average assets | 0.3369% | 5,192 |
| Noninterest expense to average assets | 3.0698% | 3,359 |
| Loan and lease loss provision to assets | -0.7487% | 7,491 |
| Net operating income to assets | 0.7862% | 3,133 |
| Return on assets (ROA) | 0.7862% | 3,259 |
| Pretax return on assets | 1.1730% | 2,583 |
| Return on Equity (ROE) | 6.5831% | 3,655 |
| Retained earnings to average equity (ytd only) | 6.5831% | 2,088 |
| Net charge-offs to loans | -0.4317% | 7,383 |
| Credit loss provision to net charge-offs | 352.9412% | 871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2857% | 1,784 |
| Assets per employee ($millions) | 4.0978% | 3,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 5,453 |
| Loan loss allowance to noncurrent loans | 3,233.3333% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 7,070 |
| Noncurrent loans to loans | 0.0378% | 6,889 |
| Net loans and leases to total assets | 47.8311% | 6,069 |
| Net loans and leases to deposits | 54.6722% | 6,256 |
| Net loans and leases to core deposits | 62.6598% | 5,840 |
| Total domestic deposits to total assets | 87.4870% | 2,478 |
| Equity capital to assets | 12.1347% | 2,006 |
| Core capital (leverage) ratio | 9.0932% | 4,580 |
| Tier 1 risk-based capital ratio | 15.0388% | 3,473 |
| Total risk-based capital ratio | 16.0553% | 3,581 |
| Memoranda: | ||
| Average total assets | $16,027,000 | 7,424 |
| Average earning assets | $13,542,000 | 7,422 |
| Average equity | $1,914,000 | 7,358 |
| Average total loans | $7,875,000 | 7,330 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5968% | 4,958 |
| Cost of funding earning assets | 0.8897% | 4,997 |
| Net interest margin | 3.7071% | 4,060 |
| Noninterest income to average assets | 0.3787% | 4,886 |
| Noninterest expense to average assets | 3.1556% | 3,047 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2777% | 5,512 |
| Return on assets (ROA) | 0.2777% | 5,570 |
| Pretax return on assets | 0.3787% | 5,399 |
| Return on Equity (ROE) | 2.3448% | 5,662 |
| Retained earnings to average equity (ytd only) | 2.3448% | 4,743 |
| Net charge-offs to loans | -0.8669% | 7,471 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7143% | 1,740 |
| Assets per employee ($millions) | 3.9425% | 3,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0729% | 2,241 |
| Loan loss allowance to noncurrent loans | 5,233.3333% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 7,143 |
| Noncurrent loans to loans | 0.0396% | 6,949 |
| Net loans and leases to total assets | 47.0323% | 6,187 |
| Net loans and leases to deposits | 53.6686% | 6,324 |
| Net loans and leases to core deposits | 61.8238% | 5,941 |
| Total domestic deposits to total assets | 87.6347% | 2,589 |
| Equity capital to assets | 11.9658% | 1,936 |
| Core capital (leverage) ratio | 9.0485% | 4,538 |
| Tier 1 risk-based capital ratio | 14.9815% | 3,434 |
| Total risk-based capital ratio | 16.2318% | 3,398 |
| Memoranda: | ||
| Average total assets | $15,845,000 | 7,484 |
| Average earning assets | $13,487,500 | 7,480 |
| Average equity | $1,876,500 | 7,419 |
| Average total loans | $7,844,000 | 7,390 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0297% | 4,412 |
| Cost of funding earning assets | 1.2858% | 3,977 |
| Net interest margin | 3.7439% | 4,167 |
| Noninterest income to average assets | 0.3660% | 5,179 |
| Noninterest expense to average assets | 3.3714% | 2,523 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -0.1413% | 6,038 |
| Return on assets (ROA) | -0.1413% | 6,096 |
| Pretax return on assets | 0.1734% | 5,548 |
| Return on Equity (ROE) | -1.1523% | 6,077 |
| Retained earnings to average equity (ytd only) | -1.1523% | 5,827 |
| Net charge-offs to loans | -0.2704% | 7,560 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4855% | 1,217 |
| Assets per employee ($millions) | 3.9800% | 3,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7254% | 3,116 |
| Loan loss allowance to noncurrent loans | 2,800.0000% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 7,161 |
| Noncurrent loans to loans | 0.0616% | 6,966 |
| Net loans and leases to total assets | 50.0879% | 6,161 |
| Net loans and leases to deposits | 56.9897% | 6,351 |
| Net loans and leases to core deposits | 65.5272% | 5,926 |
| Total domestic deposits to total assets | 87.8894% | 2,316 |
| Equity capital to assets | 11.7211% | 2,109 |
| Core capital (leverage) ratio | 8.8505% | 4,776 |
| Tier 1 risk-based capital ratio | 14.1125% | 3,797 |
| Total risk-based capital ratio | 15.3663% | 3,755 |
| Memoranda: | ||
| Average total assets | $15,572,000 | 7,562 |
| Average earning assets | $13,221,400 | 7,563 |
| Average equity | $1,909,200 | 7,518 |
| Average total loans | $8,135,000 | 7,462 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1257% | 4,192 |
| Cost of funding earning assets | 1.3553% | 3,863 |
| Net interest margin | 3.7704% | 4,091 |
| Noninterest income to average assets | 0.3616% | 5,267 |
| Noninterest expense to average assets | 3.3924% | 2,318 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.1119% | 5,741 |
| Return on assets (ROA) | 0.1119% | 5,898 |
| Pretax return on assets | 0.1550% | 5,823 |
| Return on Equity (ROE) | 0.9026% | 5,917 |
| Retained earnings to average equity (ytd only) | 0.9026% | 5,444 |
| Net charge-offs to loans | -0.2785% | 7,644 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9903% | 1,127 |
| Assets per employee ($millions) | 3.6630% | 4,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7290% | 3,067 |
| Loan loss allowance to noncurrent loans | 51.7241% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 1.7813% | 3,772 |
| Noncurrent loans to loans | 3.3427% | 2,376 |
| Net loans and leases to total assets | 52.3683% | 6,059 |
| Net loans and leases to deposits | 60.6130% | 6,262 |
| Net loans and leases to core deposits | 70.7841% | 5,671 |
| Total domestic deposits to total assets | 86.3978% | 2,856 |
| Equity capital to assets | 13.1723% | 1,502 |
| Core capital (leverage) ratio | 9.8899% | 3,368 |
| Tier 1 risk-based capital ratio | 15.0210% | 3,244 |
| Total risk-based capital ratio | 16.2728% | 3,230 |
| Memoranda: | ||
| Average total assets | $15,485,000 | 7,660 |
| Average earning assets | $13,084,000 | 7,663 |
| Average equity | $1,920,000 | 7,612 |
| Average total loans | $8,140,250 | 7,563 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1754% | 4,066 |
| Cost of funding earning assets | 1.3852% | 3,968 |
| Net interest margin | 3.7902% | 3,937 |
| Noninterest income to average assets | 0.3299% | 5,517 |
| Noninterest expense to average assets | 3.3243% | 2,488 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1142% | 5,821 |
| Return on assets (ROA) | 0.1142% | 5,933 |
| Pretax return on assets | 0.1649% | 5,854 |
| Return on Equity (ROE) | 0.9391% | 5,969 |
| Retained earnings to average equity (ytd only) | 0.9391% | 5,385 |
| Net charge-offs to loans | -0.1939% | 7,640 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6364% | 1,210 |
| Assets per employee ($millions) | 3.8608% | 4,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5582% | 3,629 |
| Loan loss allowance to noncurrent loans | 143.1818% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.5698% | 6,053 |
| Noncurrent loans to loans | 1.0883% | 5,143 |
| Net loans and leases to total assets | 51.5444% | 6,261 |
| Net loans and leases to deposits | 59.2924% | 6,477 |
| Net loans and leases to core deposits | 68.5793% | 6,011 |
| Total domestic deposits to total assets | 86.9326% | 2,563 |
| Equity capital to assets | 12.5623% | 1,760 |
| Core capital (leverage) ratio | 9.3127% | 4,090 |
| Tier 1 risk-based capital ratio | 14.1006% | 3,663 |
| Total risk-based capital ratio | 15.3556% | 3,620 |
| Memoranda: | ||
| Average total assets | $15,762,670 | 7,719 |
| Average earning assets | $13,139,000 | 7,723 |
| Average equity | $1,916,670 | 7,676 |
| Average total loans | $8,251,000 | 7,618 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1750% | 4,160 |
| Cost of funding earning assets | 1.4003% | 4,171 |
| Net interest margin | 3.7747% | 3,897 |
| Noninterest income to average assets | 0.3266% | 5,532 |
| Noninterest expense to average assets | 3.3663% | 2,321 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0502% | 6,160 |
| Return on assets (ROA) | 0.0502% | 6,271 |
| Pretax return on assets | 0.0754% | 6,199 |
| Return on Equity (ROE) | 0.4199% | 6,300 |
| Retained earnings to average equity (ytd only) | 0.4199% | 5,667 |
| Net charge-offs to loans | -0.3840% | 7,778 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1606% | 1,126 |
| Assets per employee ($millions) | 3.8505% | 4,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5648% | 3,603 |
| Loan loss allowance to noncurrent loans | 360.0000% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.2272% | 6,892 |
| Noncurrent loans to loans | 0.4347% | 6,431 |
| Net loans and leases to total assets | 51.4608% | 6,328 |
| Net loans and leases to deposits | 59.0655% | 6,547 |
| Net loans and leases to core deposits | 66.8579% | 6,221 |
| Total domestic deposits to total assets | 87.1250% | 2,563 |
| Equity capital to assets | 12.3620% | 1,834 |
| Core capital (leverage) ratio | 9.2398% | 4,159 |
| Tier 1 risk-based capital ratio | 13.9428% | 3,698 |
| Total risk-based capital ratio | 15.1937% | 3,656 |
| Memoranda: | ||
| Average total assets | $15,922,500 | 7,812 |
| Average earning assets | $13,140,000 | 7,828 |
| Average equity | $1,905,000 | 7,765 |
| Average total loans | $8,333,500 | 7,714 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3327% | 5,017 |
| Cost of funding earning assets | 1.7681% | 4,159 |
| Net interest margin | 3.5646% | 4,675 |
| Noninterest income to average assets | 0.3810% | 5,366 |
| Noninterest expense to average assets | 2.9996% | 4,144 |
| Loan and lease loss provision to assets | 6.0777% | 107 |
| Net operating income to assets | -3.8764% | 7,582 |
| Return on assets (ROA) | -3.8764% | 7,582 |
| Pretax return on assets | -5.6484% | 7,773 |
| Return on Equity (ROE) | -30.3045% | 7,410 |
| Retained earnings to average equity (ytd only) | -30.3045% | 7,394 |
| Net charge-offs to loans | 10.1910% | 35 |
| Credit loss provision to net charge-offs | 100.1994% | 5,504 |
| Earnings coverage of net charge-offs (x) | 0.0708% | 6,092 |
| Efficiency ratio | 83.9506% | 2,357 |
| Assets per employee ($millions) | 4.1108% | 3,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3697% | 4,388 |
| Loan loss allowance to noncurrent loans | 907.6923% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 7,299 |
| Noncurrent loans to loans | 0.1509% | 7,053 |
| Net loans and leases to total assets | 51.6755% | 6,455 |
| Net loans and leases to deposits | 58.8965% | 6,710 |
| Net loans and leases to core deposits | 69.8364% | 6,784 |
| Total domestic deposits to total assets | 87.7395% | 2,099 |
| Equity capital to assets | 11.5916% | 2,250 |
| Core capital (leverage) ratio | 8.5954% | 5,104 |
| Tier 1 risk-based capital ratio | 13.0927% | 4,084 |
| Total risk-based capital ratio | 14.2254% | 4,105 |
| Memoranda: | ||
| Average total assets | $16,535,800 | 7,865 |
| Average earning assets | $14,139,200 | 7,864 |
| Average equity | $2,115,200 | 7,822 |
| Average total loans | $9,842,000 | 7,714 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5061% | 4,390 |
| Cost of funding earning assets | 1.8354% | 4,219 |
| Net interest margin | 3.6707% | 4,200 |
| Noninterest income to average assets | 0.4187% | 5,143 |
| Noninterest expense to average assets | 2.9147% | 4,388 |
| Loan and lease loss provision to assets | 0.1208% | 6,153 |
| Net operating income to assets | 0.4026% | 4,393 |
| Return on assets (ROA) | 0.4026% | 4,493 |
| Pretax return on assets | 0.5878% | 4,219 |
| Return on Equity (ROE) | 3.0759% | 4,759 |
| Retained earnings to average equity (ytd only) | 3.0759% | 3,603 |
| Net charge-offs to loans | 0.2365% | 4,573 |
| Credit loss provision to net charge-offs | 83.3333% | 5,666 |
| Earnings coverage of net charge-offs (x) | 4.8888% | 2,983 |
| Efficiency ratio | 77.1111% | 3,300 |
| Assets per employee ($millions) | 4.2963% | 3,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 5,507 |
| Loan loss allowance to noncurrent loans | 19.9647% | 7,094 |
| Noncurrent assets plus other real estate owned to assets | 3.2936% | 2,053 |
| Noncurrent loans to loans | 5.6896% | 1,083 |
| Net loans and leases to total assets | 57.2301% | 6,002 |
| Net loans and leases to deposits | 66.2825% | 6,282 |
| Net loans and leases to core deposits | 78.1734% | 6,471 |
| Total domestic deposits to total assets | 86.3427% | 2,516 |
| Equity capital to assets | 12.8542% | 1,757 |
| Core capital (leverage) ratio | 9.9463% | 3,342 |
| Tier 1 risk-based capital ratio | 14.3391% | 3,361 |
| Total risk-based capital ratio | 15.3211% | 3,451 |
| Memoranda: | ||
| Average total assets | $16,559,000 | 7,945 |
| Average earning assets | $14,456,250 | 7,942 |
| Average equity | $2,167,500 | 7,887 |
| Average total loans | $10,148,750 | 7,773 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4679% | 4,794 |
| Cost of funding earning assets | 1.9013% | 4,262 |
| Net interest margin | 3.5666% | 4,511 |
| Noninterest income to average assets | 0.4404% | 4,930 |
| Noninterest expense to average assets | 2.8501% | 4,738 |
| Loan and lease loss provision to assets | 0.1835% | 5,201 |
| Net operating income to assets | 0.3792% | 4,586 |
| Return on assets (ROA) | 0.3792% | 4,690 |
| Pretax return on assets | 0.5504% | 4,469 |
| Return on Equity (ROE) | 2.8788% | 4,949 |
| Retained earnings to average equity (ytd only) | 2.8788% | 3,725 |
| Net charge-offs to loans | 0.3524% | 3,425 |
| Credit loss provision to net charge-offs | 83.3333% | 5,103 |
| Earnings coverage of net charge-offs (x) | 3.3333% | 3,480 |
| Efficiency ratio | 76.1092% | 3,671 |
| Assets per employee ($millions) | 4.0440% | 3,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 5,541 |
| Loan loss allowance to noncurrent loans | 209.2593% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.3338% | 6,623 |
| Noncurrent loans to loans | 0.5295% | 6,212 |
| Net loans and leases to total assets | 62.3455% | 5,297 |
| Net loans and leases to deposits | 73.7639% | 5,487 |
| Net loans and leases to core deposits | 81.4818% | 6,286 |
| Total domestic deposits to total assets | 84.5203% | 3,495 |
| Equity capital to assets | 13.4335% | 1,517 |
| Core capital (leverage) ratio | 10.4282% | 2,875 |
| Tier 1 risk-based capital ratio | 14.1331% | 3,438 |
| Total risk-based capital ratio | 15.1147% | 3,533 |
| Memoranda: | ||
| Average total assets | $16,350,330 | 8,033 |
| Average earning assets | $14,411,330 | 8,027 |
| Average equity | $2,153,670 | 7,974 |
| Average total loans | $10,215,670 | 7,850 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5882% | 4,432 |
| Cost of funding earning assets | 1.9559% | 4,350 |
| Net interest margin | 3.6323% | 4,181 |
| Noninterest income to average assets | 0.4137% | 5,106 |
| Noninterest expense to average assets | 2.8228% | 4,455 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4867% | 4,484 |
| Return on assets (ROA) | 0.4867% | 4,675 |
| Pretax return on assets | 0.7544% | 4,242 |
| Return on Equity (ROE) | 3.7313% | 5,065 |
| Retained earnings to average equity (ytd only) | 3.7313% | 3,826 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5102% | 3,565 |
| Assets per employee ($millions) | 4.1193% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1351% | 5,225 |
| Loan loss allowance to noncurrent loans | 446.1538% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.1578% | 7,083 |
| Noncurrent loans to loans | 0.2544% | 6,806 |
| Net loans and leases to total assets | 61.3158% | 5,445 |
| Net loans and leases to deposits | 71.1880% | 5,843 |
| Net loans and leases to core deposits | 78.3360% | 6,513 |
| Total domestic deposits to total assets | 86.1322% | 2,646 |
| Equity capital to assets | 13.0970% | 1,704 |
| Core capital (leverage) ratio | 10.1289% | 3,264 |
| Tier 1 risk-based capital ratio | 13.8640% | 3,656 |
| Total risk-based capital ratio | 14.8623% | 3,713 |
| Memoranda: | ||
| Average total assets | $16,437,500 | 8,081 |
| Average earning assets | $14,316,000 | 8,078 |
| Average equity | $2,144,000 | 8,026 |
| Average total loans | $10,224,500 | 7,899 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7742% | 6,523 |
| Cost of funding earning assets | 2.4288% | 4,578 |
| Net interest margin | 3.3454% | 5,882 |
| Noninterest income to average assets | 0.3870% | 5,583 |
| Noninterest expense to average assets | 2.8339% | 4,677 |
| Loan and lease loss provision to assets | 0.0119% | 7,220 |
| Net operating income to assets | 0.3810% | 5,222 |
| Return on assets (ROA) | 0.3810% | 5,041 |
| Pretax return on assets | 0.5180% | 4,926 |
| Return on Equity (ROE) | 2.3988% | 5,462 |
| Retained earnings to average equity (ytd only) | -25.7121% | 7,819 |
| Net charge-offs to loans | 0.0193% | 6,590 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 44.5000% | 830 |
| Efficiency ratio | 80.7080% | 2,501 |
| Assets per employee ($millions) | 4.0995% | 3,309 |
| Cash dividends to net income (ytd only)* | 1,171.8750% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 5,031 |
| Loan loss allowance to noncurrent loans | 504.3478% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.1403% | 7,022 |
| Noncurrent loans to loans | 0.2248% | 6,714 |
| Net loans and leases to total assets | 61.6783% | 5,670 |
| Net loans and leases to deposits | 71.5630% | 6,109 |
| Net loans and leases to core deposits | 78.7143% | 6,708 |
| Total domestic deposits to total assets | 86.1873% | 2,323 |
| Equity capital to assets | 12.9894% | 1,792 |
| Core capital (leverage) ratio | 10.0164% | 3,428 |
| Tier 1 risk-based capital ratio | 13.6866% | 3,705 |
| Total risk-based capital ratio | 14.6876% | 3,759 |
| Memoranda: | ||
| Average total assets | $16,796,400 | 8,106 |
| Average earning assets | $14,945,800 | 8,108 |
| Average equity | $2,668,000 | 7,935 |
| Average total loans | $10,385,800 | 7,921 |