Home > Church Point Bank and Trust Company > Performance and Condition Ratios
Church Point Bank and Trust Company, Performance and Condition Ratios
| 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 | 2.8654% | 6,235 |
| Cost of funding earning assets | 0.1199% | 6,335 |
| Net interest margin | 2.7455% | 5,943 |
| Noninterest income to average assets | 0.7179% | 2,242 |
| Noninterest expense to average assets | 3.5640% | 1,356 |
| Loan and lease loss provision to assets | 0.0228% | 3,951 |
| Net operating income to assets | -0.3248% | 6,323 |
| Return on assets (ROA) | -0.3248% | 6,320 |
| Pretax return on assets | -0.3248% | 6,307 |
| Return on Equity (ROE) | -3.3823% | 6,329 |
| Retained earnings to average equity (ytd only) | -3.3823% | 6,169 |
| Net charge-offs to loans | 0.1630% | 2,166 |
| Credit loss provision to net charge-offs | 44.4444% | 3,211 |
| Earnings coverage of net charge-offs (x) | -5.8888% | 4,613 |
| Efficiency ratio | 109.2576% | 225 |
| Assets per employee ($millions) | 3.0889% | 5,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3464% | 3,410 |
| Loan loss allowance to noncurrent loans | 404.3478% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.2115% | 5,375 |
| Noncurrent loans to loans | 0.3330% | 4,904 |
| Net loans and leases to total assets | 29.4153% | 6,272 |
| Net loans and leases to deposits | 32.8386% | 6,324 |
| Net loans and leases to core deposits | 35.0243% | 6,298 |
| Total domestic deposits to total assets | 89.5755% | 948 |
| Equity capital to assets | 9.8806% | 4,321 |
| Core capital (leverage) ratio | 9.5264% | 4,338 |
| Tier 1 risk-based capital ratio | 24.3491% | 948 |
| Total risk-based capital ratio | 25.3708% | 960 |
| Memoranda: | ||
| Average total assets | $46,800,000 | 5,939 |
| Average earning assets | $43,367,000 | 5,911 |
| Average equity | $4,494,000 | 6,055 |
| Average total loans | $14,728,000 | 6,237 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9154% | 6,247 |
| Cost of funding earning assets | 0.1242% | 6,392 |
| Net interest margin | 2.7912% | 5,929 |
| Noninterest income to average assets | 0.6559% | 2,508 |
| Noninterest expense to average assets | 3.0028% | 2,817 |
| Loan and lease loss provision to assets | 0.0341% | 3,608 |
| Net operating income to assets | 0.2044% | 5,824 |
| Return on assets (ROA) | 0.2044% | 5,883 |
| Pretax return on assets | 0.2044% | 5,940 |
| Return on Equity (ROE) | 2.1496% | 5,807 |
| Retained earnings to average equity (ytd only) | 2.1496% | 4,821 |
| Net charge-offs to loans | 0.1996% | 1,832 |
| Credit loss provision to net charge-offs | 53.3333% | 2,749 |
| Earnings coverage of net charge-offs (x) | 3.7333% | 3,231 |
| Efficiency ratio | 92.6413% | 723 |
| Assets per employee ($millions) | 2.5948% | 6,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 3,700 |
| Loan loss allowance to noncurrent loans | 1,260.0000% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.2184% | 5,460 |
| Noncurrent loans to loans | 0.1055% | 5,698 |
| Net loans and leases to total assets | 30.0432% | 6,301 |
| Net loans and leases to deposits | 33.4597% | 6,358 |
| Net loans and leases to core deposits | 35.6613% | 6,339 |
| Total domestic deposits to total assets | 89.7893% | 914 |
| Equity capital to assets | 10.1379% | 3,918 |
| Core capital (leverage) ratio | 9.7389% | 3,983 |
| Tier 1 risk-based capital ratio | 24.5433% | 926 |
| Total risk-based capital ratio | 25.5528% | 930 |
| Memoranda: | ||
| Average total assets | $46,955,670 | 5,986 |
| Average earning assets | $43,493,670 | 5,960 |
| Average equity | $4,466,000 | 6,101 |
| Average total loans | $15,032,330 | 6,286 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9161% | 6,315 |
| Cost of funding earning assets | 0.1100% | 6,532 |
| Net interest margin | 2.8060% | 5,922 |
| Noninterest income to average assets | 0.5607% | 2,979 |
| Noninterest expense to average assets | 3.2795% | 1,992 |
| Loan and lease loss provision to assets | 0.0765% | 2,614 |
| Net operating income to assets | -0.1954% | 6,351 |
| Return on assets (ROA) | -0.1954% | 6,357 |
| Pretax return on assets | -0.1954% | 6,345 |
| Return on Equity (ROE) | -2.1240% | 6,359 |
| Retained earnings to average equity (ytd only) | -2.1240% | 5,868 |
| Net charge-offs to loans | 0.0518% | 2,660 |
| Credit loss provision to net charge-offs | 450.0000% | 595 |
| Earnings coverage of net charge-offs (x) | -7.0000% | 3,589 |
| Efficiency ratio | 103.7634% | 380 |
| Assets per employee ($millions) | 2.6315% | 6,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3859% | 3,673 |
| Loan loss allowance to noncurrent loans | 751.8519% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 5,473 |
| Noncurrent loans to loans | 0.1843% | 5,542 |
| Net loans and leases to total assets | 30.4938% | 6,334 |
| Net loans and leases to deposits | 33.6957% | 6,382 |
| Net loans and leases to core deposits | 35.8599% | 6,368 |
| Total domestic deposits to total assets | 90.4976% | 801 |
| Equity capital to assets | 9.3546% | 4,691 |
| Core capital (leverage) ratio | 9.7007% | 3,997 |
| Tier 1 risk-based capital ratio | 23.8369% | 1,026 |
| Total risk-based capital ratio | 24.9065% | 1,033 |
| Memoranda: | ||
| Average total assets | $47,080,500 | 6,038 |
| Average earning assets | $43,620,500 | 6,013 |
| Average equity | $4,331,500 | 6,174 |
| Average total loans | $15,438,000 | 6,335 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8790% | 6,443 |
| Cost of funding earning assets | 0.1394% | 6,574 |
| Net interest margin | 2.7396% | 6,087 |
| Noninterest income to average assets | 0.7187% | 2,438 |
| Noninterest expense to average assets | 3.0663% | 2,845 |
| Loan and lease loss provision to assets | 0.0404% | 4,311 |
| Net operating income to assets | 0.1616% | 5,916 |
| Return on assets (ROA) | 0.1616% | 5,984 |
| Pretax return on assets | 0.1616% | 6,003 |
| Return on Equity (ROE) | 1.6810% | 5,936 |
| Retained earnings to average equity (ytd only) | 1.6810% | 5,032 |
| Net charge-offs to loans | 0.1717% | 3,109 |
| Credit loss provision to net charge-offs | 65.5172% | 3,417 |
| Earnings coverage of net charge-offs (x) | 3.2759% | 3,912 |
| Efficiency ratio | 93.8191% | 761 |
| Assets per employee ($millions) | 2.5997% | 6,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 4,650 |
| Loan loss allowance to noncurrent loans | 1,083.3333% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.2244% | 5,610 |
| Noncurrent loans to loans | 0.1109% | 5,876 |
| Net loans and leases to total assets | 34.2651% | 6,284 |
| Net loans and leases to deposits | 37.6996% | 6,379 |
| Net loans and leases to core deposits | 40.1402% | 6,359 |
| Total domestic deposits to total assets | 90.8899% | 617 |
| Equity capital to assets | 9.0439% | 4,976 |
| Core capital (leverage) ratio | 9.7835% | 3,866 |
| Tier 1 risk-based capital ratio | 22.4178% | 1,188 |
| Total risk-based capital ratio | 23.3792% | 1,211 |
| Memoranda: | ||
| Average total assets | $47,027,400 | 6,092 |
| Average earning assets | $43,765,000 | 6,056 |
| Average equity | $4,521,000 | 6,198 |
| Average total loans | $16,890,600 | 6,328 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8454% | 6,542 |
| Cost of funding earning assets | 0.1430% | 6,663 |
| Net interest margin | 2.7024% | 6,167 |
| Noninterest income to average assets | 0.7136% | 2,539 |
| Noninterest expense to average assets | 2.9308% | 3,207 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2973% | 5,624 |
| Return on assets (ROA) | 0.2973% | 5,741 |
| Pretax return on assets | 0.2973% | 5,888 |
| Return on Equity (ROE) | 3.0480% | 5,587 |
| Retained earnings to average equity (ytd only) | 3.0480% | 4,494 |
| Net charge-offs to loans | 0.2423% | 2,360 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 3.3874% | 3,716 |
| Efficiency ratio | 90.7895% | 933 |
| Assets per employee ($millions) | 2.5200% | 6,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 5,608 |
| Loan loss allowance to noncurrent loans | 669.2308% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 5,697 |
| Noncurrent loans to loans | 0.1536% | 5,857 |
| Net loans and leases to total assets | 36.9334% | 6,228 |
| Net loans and leases to deposits | 41.0030% | 6,350 |
| Net loans and leases to core deposits | 43.7724% | 6,314 |
| Total domestic deposits to total assets | 90.0750% | 953 |
| Equity capital to assets | 9.8148% | 4,156 |
| Core capital (leverage) ratio | 9.8800% | 3,847 |
| Tier 1 risk-based capital ratio | 22.7300% | 1,194 |
| Total risk-based capital ratio | 23.5943% | 1,227 |
| Memoranda: | ||
| Average total assets | $47,085,750 | 6,160 |
| Average earning assets | $43,812,250 | 6,128 |
| Average equity | $4,593,250 | 6,253 |
| Average total loans | $17,056,000 | 6,383 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8571% | 6,573 |
| Cost of funding earning assets | 0.1492% | 6,713 |
| Net interest margin | 2.7079% | 6,168 |
| Noninterest income to average assets | 0.6420% | 2,956 |
| Noninterest expense to average assets | 2.8829% | 3,388 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2728% | 5,702 |
| Return on assets (ROA) | 0.2728% | 5,837 |
| Pretax return on assets | 0.2728% | 5,947 |
| Return on Equity (ROE) | 2.8015% | 5,699 |
| Retained earnings to average equity (ytd only) | 2.8015% | 4,533 |
| Net charge-offs to loans | -0.8071% | 6,856 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3564% | 948 |
| Assets per employee ($millions) | 2.4833% | 6,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5807% | 3,222 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.5807% | 4,800 |
| Noncurrent loans to loans | 1.5807% | 2,940 |
| Net loans and leases to total assets | 36.1571% | 6,291 |
| Net loans and leases to deposits | 39.8561% | 6,408 |
| Net loans and leases to core deposits | 40.8466% | 6,436 |
| Total domestic deposits to total assets | 90.7191% | 656 |
| Equity capital to assets | 9.2152% | 4,971 |
| Core capital (leverage) ratio | 9.3510% | 4,471 |
| Tier 1 risk-based capital ratio | 21.7585% | 1,338 |
| Total risk-based capital ratio | 23.0105% | 1,311 |
| Memoranda: | ||
| Average total assets | $47,661,000 | 6,190 |
| Average earning assets | $44,240,330 | 6,153 |
| Average equity | $4,640,330 | 6,286 |
| Average total loans | $17,099,000 | 6,424 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7929% | 6,681 |
| Cost of funding earning assets | 0.1712% | 6,723 |
| Net interest margin | 2.6217% | 6,340 |
| Noninterest income to average assets | 0.5678% | 3,323 |
| Noninterest expense to average assets | 2.9645% | 3,098 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0334% | 6,292 |
| Return on assets (ROA) | 0.0334% | 6,374 |
| Pretax return on assets | 0.0334% | 6,369 |
| Return on Equity (ROE) | 0.3343% | 6,361 |
| Retained earnings to average equity (ytd only) | 0.3343% | 5,678 |
| Net charge-offs to loans | -1.6724% | 6,949 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8858% | 592 |
| Assets per employee ($millions) | 2.5916% | 6,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 3,396 |
| Loan loss allowance to noncurrent loans | 119.3966% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.4712% | 5,205 |
| Noncurrent loans to loans | 1.3410% | 3,553 |
| Net loans and leases to total assets | 34.5715% | 6,388 |
| Net loans and leases to deposits | 38.2789% | 6,493 |
| Net loans and leases to core deposits | 38.9685% | 6,524 |
| Total domestic deposits to total assets | 90.3148% | 872 |
| Equity capital to assets | 9.6405% | 4,656 |
| Core capital (leverage) ratio | 9.3480% | 4,328 |
| Tier 1 risk-based capital ratio | 21.6445% | 1,395 |
| Total risk-based capital ratio | 22.8972% | 1,369 |
| Memoranda: | ||
| Average total assets | $47,900,000 | 6,252 |
| Average earning assets | $44,398,500 | 6,205 |
| Average equity | $4,786,500 | 6,307 |
| Average total loans | $16,981,500 | 6,489 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4138% | 6,471 |
| Cost of funding earning assets | 0.2497% | 6,672 |
| Net interest margin | 3.1641% | 5,656 |
| Noninterest income to average assets | 0.6248% | 3,142 |
| Noninterest expense to average assets | 3.2558% | 2,461 |
| Loan and lease loss provision to assets | 0.2258% | 2,871 |
| Net operating income to assets | 0.0329% | 6,115 |
| Return on assets (ROA) | 0.0329% | 6,259 |
| Pretax return on assets | 0.0329% | 6,243 |
| Return on Equity (ROE) | 0.3099% | 6,262 |
| Retained earnings to average equity (ytd only) | 0.3099% | 5,703 |
| Net charge-offs to loans | 0.8752% | 1,307 |
| Credit loss provision to net charge-offs | 67.7632% | 4,226 |
| Earnings coverage of net charge-offs (x) | 0.7763% | 5,088 |
| Efficiency ratio | 92.6388% | 876 |
| Assets per employee ($millions) | 2.4505% | 6,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 4,977 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 0.4403% | 5,383 |
| Noncurrent loans to loans | 1.2303% | 3,788 |
| Net loans and leases to total assets | 35.3479% | 6,475 |
| Net loans and leases to deposits | 39.4525% | 6,576 |
| Net loans and leases to core deposits | 40.2111% | 6,609 |
| Total domestic deposits to total assets | 89.5962% | 1,192 |
| Equity capital to assets | 10.3651% | 3,675 |
| Core capital (leverage) ratio | 9.5626% | 4,018 |
| Tier 1 risk-based capital ratio | 22.6403% | 1,162 |
| Total risk-based capital ratio | 23.6783% | 1,167 |
| Memoranda: | ||
| Average total assets | $45,611,600 | 6,336 |
| Average earning assets | $41,654,200 | 6,313 |
| Average equity | $4,841,000 | 6,337 |
| Average total loans | $17,368,200 | 6,540 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5244% | 6,482 |
| Cost of funding earning assets | 0.2647% | 6,753 |
| Net interest margin | 3.2598% | 5,515 |
| Noninterest income to average assets | 0.6171% | 3,171 |
| Noninterest expense to average assets | 3.1382% | 2,768 |
| Loan and lease loss provision to assets | 0.0911% | 4,459 |
| Net operating income to assets | 0.3556% | 5,413 |
| Return on assets (ROA) | 0.3556% | 5,620 |
| Pretax return on assets | 0.3556% | 5,823 |
| Return on Equity (ROE) | 3.3300% | 5,560 |
| Retained earnings to average equity (ytd only) | 3.3300% | 4,525 |
| Net charge-offs to loans | 0.0380% | 5,120 |
| Credit loss provision to net charge-offs | 620.0000% | 433 |
| Earnings coverage of net charge-offs (x) | 30.3838% | 1,085 |
| Efficiency ratio | 87.5410% | 1,248 |
| Assets per employee ($millions) | 2.4258% | 6,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6168% | 3,456 |
| Loan loss allowance to noncurrent loans | 86.7284% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 0.7030% | 4,931 |
| Noncurrent loans to loans | 1.8642% | 2,997 |
| Net loans and leases to total assets | 37.0992% | 6,477 |
| Net loans and leases to deposits | 41.6206% | 6,614 |
| Net loans and leases to core deposits | 42.6973% | 6,646 |
| Total domestic deposits to total assets | 89.1365% | 1,352 |
| Equity capital to assets | 10.7681% | 3,533 |
| Core capital (leverage) ratio | 9.8728% | 3,725 |
| Tier 1 risk-based capital ratio | 22.3056% | 1,275 |
| Total risk-based capital ratio | 23.5578% | 1,258 |
| Memoranda: | ||
| Average total assets | $45,374,500 | 6,412 |
| Average earning assets | $41,310,500 | 6,397 |
| Average equity | $4,844,750 | 6,413 |
| Average total loans | $17,544,500 | 6,615 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6106% | 6,471 |
| Cost of funding earning assets | 0.2732% | 6,828 |
| Net interest margin | 3.3373% | 5,318 |
| Noninterest income to average assets | 0.6292% | 3,081 |
| Noninterest expense to average assets | 3.1372% | 2,793 |
| Loan and lease loss provision to assets | 0.1196% | 4,034 |
| Net operating income to assets | 0.4032% | 5,203 |
| Return on assets (ROA) | 0.4032% | 5,439 |
| Pretax return on assets | 0.4032% | 5,703 |
| Return on Equity (ROE) | 3.7875% | 5,367 |
| Retained earnings to average equity (ytd only) | 3.7875% | 4,095 |
| Net charge-offs to loans | 0.0682% | 4,474 |
| Credit loss provision to net charge-offs | 450.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 19.6667% | 1,425 |
| Efficiency ratio | 85.7143% | 1,460 |
| Assets per employee ($millions) | 2.7603% | 6,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6208% | 3,528 |
| Loan loss allowance to noncurrent loans | 95.5017% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.6159% | 5,230 |
| Noncurrent loans to loans | 1.6971% | 3,353 |
| Net loans and leases to total assets | 35.7017% | 6,622 |
| Net loans and leases to deposits | 39.8682% | 6,733 |
| Net loans and leases to core deposits | 40.6281% | 6,784 |
| Total domestic deposits to total assets | 89.5493% | 1,195 |
| Equity capital to assets | 10.3761% | 3,841 |
| Core capital (leverage) ratio | 9.7435% | 3,784 |
| Tier 1 risk-based capital ratio | 22.3825% | 1,221 |
| Total risk-based capital ratio | 23.6328% | 1,204 |
| Memoranda: | ||
| Average total assets | $45,136,000 | 6,463 |
| Average earning assets | $40,990,670 | 6,447 |
| Average equity | $4,805,330 | 6,446 |
| Average total loans | $17,599,330 | 6,667 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7417% | 6,366 |
| Cost of funding earning assets | 0.2878% | 6,874 |
| Net interest margin | 3.4538% | 4,901 |
| Noninterest income to average assets | 0.6600% | 2,867 |
| Noninterest expense to average assets | 3.3724% | 2,082 |
| Loan and lease loss provision to assets | 0.0723% | 4,498 |
| Net operating income to assets | 0.3617% | 5,418 |
| Return on assets (ROA) | 0.3617% | 5,604 |
| Pretax return on assets | 0.3617% | 5,828 |
| Return on Equity (ROE) | 3.3518% | 5,572 |
| Retained earnings to average equity (ytd only) | 3.3518% | 4,558 |
| Net charge-offs to loans | 0.1342% | 3,301 |
| Credit loss provision to net charge-offs | 133.3333% | 1,827 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,011 |
| Efficiency ratio | 88.5986% | 1,214 |
| Assets per employee ($millions) | 2.7056% | 6,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 4,388 |
| Loan loss allowance to noncurrent loans | 92.7798% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.6022% | 5,383 |
| Noncurrent loans to loans | 1.5601% | 3,771 |
| Net loans and leases to total assets | 38.0433% | 6,491 |
| Net loans and leases to deposits | 42.5080% | 6,636 |
| Net loans and leases to core deposits | 43.3355% | 6,686 |
| Total domestic deposits to total assets | 89.4967% | 1,371 |
| Equity capital to assets | 10.3859% | 3,628 |
| Core capital (leverage) ratio | 10.1118% | 3,222 |
| Tier 1 risk-based capital ratio | 21.4054% | 1,398 |
| Total risk-based capital ratio | 22.6290% | 1,377 |
| Memoranda: | ||
| Average total assets | $44,241,500 | 6,531 |
| Average earning assets | $40,303,000 | 6,508 |
| Average equity | $4,773,500 | 6,488 |
| Average total loans | $17,884,500 | 6,714 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0336% | 6,396 |
| Cost of funding earning assets | 0.3729% | 6,958 |
| Net interest margin | 3.6608% | 4,469 |
| Noninterest income to average assets | 0.7877% | 2,130 |
| Noninterest expense to average assets | 3.6319% | 1,685 |
| Loan and lease loss provision to assets | 0.0363% | 6,110 |
| Net operating income to assets | 0.4177% | 4,784 |
| Return on assets (ROA) | 0.4381% | 4,905 |
| Pretax return on assets | 0.4381% | 5,177 |
| Return on Equity (ROE) | 4.1365% | 4,786 |
| Retained earnings to average equity (ytd only) | 2.4862% | 4,457 |
| Net charge-offs to loans | 0.3052% | 3,872 |
| Credit loss provision to net charge-offs | 29.6296% | 5,791 |
| Earnings coverage of net charge-offs (x) | 3.7037% | 3,418 |
| Efficiency ratio | 88.8889% | 1,284 |
| Assets per employee ($millions) | 2.3604% | 6,955 |
| Cash dividends to net income (ytd only)* | 39.8964% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 4,366 |
| Loan loss allowance to noncurrent loans | 1,347.3684% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 6,851 |
| Noncurrent loans to loans | 0.1055% | 6,546 |
| Net loans and leases to total assets | 41.7953% | 6,402 |
| Net loans and leases to deposits | 47.1585% | 6,555 |
| Net loans and leases to core deposits | 48.1625% | 6,633 |
| Total domestic deposits to total assets | 88.6274% | 1,768 |
| Equity capital to assets | 11.2267% | 2,764 |
| Core capital (leverage) ratio | 10.1844% | 3,108 |
| Tier 1 risk-based capital ratio | 21.3345% | 1,350 |
| Total risk-based capital ratio | 22.5600% | 1,332 |
| Memoranda: | ||
| Average total assets | $44,054,600 | 6,535 |
| Average earning assets | $39,691,200 | 6,542 |
| Average equity | $4,665,800 | 6,545 |
| Average total loans | $17,695,600 | 6,771 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0016% | 6,586 |
| Cost of funding earning assets | 0.3878% | 7,040 |
| Net interest margin | 3.6138% | 4,713 |
| Noninterest income to average assets | 0.7739% | 2,174 |
| Noninterest expense to average assets | 3.5668% | 1,780 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4500% | 4,778 |
| Return on assets (ROA) | 0.4770% | 4,845 |
| Pretax return on assets | 0.4770% | 5,236 |
| Return on Equity (ROE) | 4.5690% | 4,739 |
| Retained earnings to average equity (ytd only) | 4.5690% | 3,467 |
| Net charge-offs to loans | 0.3709% | 3,237 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 3.0614% | 3,607 |
| Efficiency ratio | 88.7976% | 1,267 |
| Assets per employee ($millions) | 2.3675% | 7,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 4,882 |
| Loan loss allowance to noncurrent loans | 295.1807% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 6,590 |
| Noncurrent loans to loans | 0.4501% | 5,943 |
| Net loans and leases to total assets | 40.4517% | 6,600 |
| Net loans and leases to deposits | 45.4049% | 6,765 |
| Net loans and leases to core deposits | 45.7289% | 6,853 |
| Total domestic deposits to total assets | 89.0912% | 1,378 |
| Equity capital to assets | 10.7710% | 3,395 |
| Core capital (leverage) ratio | 9.9610% | 3,491 |
| Tier 1 risk-based capital ratio | 20.5528% | 1,546 |
| Total risk-based capital ratio | 21.6720% | 1,556 |
| Memoranda: | ||
| Average total assets | $44,446,250 | 6,577 |
| Average earning assets | $39,882,750 | 6,594 |
| Average equity | $4,639,750 | 6,601 |
| Average total loans | $17,616,000 | 6,839 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9529% | 6,733 |
| Cost of funding earning assets | 0.4140% | 7,097 |
| Net interest margin | 3.5389% | 4,978 |
| Noninterest income to average assets | 0.7590% | 2,211 |
| Noninterest expense to average assets | 3.7002% | 1,526 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2259% | 5,643 |
| Return on assets (ROA) | 0.2666% | 5,620 |
| Pretax return on assets | 0.2666% | 5,758 |
| Return on Equity (ROE) | 2.5813% | 5,575 |
| Retained earnings to average equity (ytd only) | 2.5813% | 4,653 |
| Net charge-offs to loans | 0.5651% | 2,415 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.0204% | 4,529 |
| Efficiency ratio | 94.2463% | 962 |
| Assets per employee ($millions) | 2.3537% | 7,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3870% | 4,635 |
| Loan loss allowance to noncurrent loans | 790.3226% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 6,925 |
| Noncurrent loans to loans | 0.1755% | 6,548 |
| Net loans and leases to total assets | 38.9504% | 6,807 |
| Net loans and leases to deposits | 43.5562% | 6,936 |
| Net loans and leases to core deposits | 43.8666% | 7,010 |
| Total domestic deposits to total assets | 89.4255% | 1,282 |
| Equity capital to assets | 10.4537% | 3,568 |
| Core capital (leverage) ratio | 9.7714% | 3,565 |
| Tier 1 risk-based capital ratio | 20.3723% | 1,539 |
| Total risk-based capital ratio | 21.5070% | 1,535 |
| Memoranda: | ||
| Average total assets | $44,267,670 | 6,640 |
| Average earning assets | $39,616,670 | 6,655 |
| Average equity | $4,571,330 | 6,660 |
| Average total loans | $17,341,000 | 6,924 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8944% | 6,829 |
| Cost of funding earning assets | 0.4316% | 7,155 |
| Net interest margin | 3.4628% | 5,170 |
| Noninterest income to average assets | 0.7175% | 2,468 |
| Noninterest expense to average assets | 3.6239% | 1,716 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1544% | 5,928 |
| Return on assets (ROA) | 0.1544% | 5,987 |
| Pretax return on assets | 0.1544% | 6,043 |
| Return on Equity (ROE) | 1.5046% | 5,983 |
| Retained earnings to average equity (ytd only) | 1.5046% | 5,211 |
| Net charge-offs to loans | -0.0233% | 6,623 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9135% | 926 |
| Assets per employee ($millions) | 2.3691% | 7,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7421% | 3,205 |
| Loan loss allowance to noncurrent loans | 980.0000% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 6,994 |
| Noncurrent loans to loans | 0.1778% | 6,611 |
| Net loans and leases to total assets | 36.8391% | 6,963 |
| Net loans and leases to deposits | 41.0182% | 7,061 |
| Net loans and leases to core deposits | 41.3084% | 7,125 |
| Total domestic deposits to total assets | 89.8116% | 1,274 |
| Equity capital to assets | 10.0795% | 3,671 |
| Core capital (leverage) ratio | 9.9523% | 3,198 |
| Tier 1 risk-based capital ratio | 20.7239% | 1,444 |
| Total risk-based capital ratio | 21.9749% | 1,419 |
| Memoranda: | ||
| Average total assets | $44,041,000 | 6,693 |
| Average earning assets | $38,928,000 | 6,725 |
| Average equity | $4,519,500 | 6,707 |
| Average total loans | $17,179,500 | 6,989 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3342% | 6,725 |
| Cost of funding earning assets | 0.5577% | 7,212 |
| Net interest margin | 3.7766% | 4,047 |
| Noninterest income to average assets | 0.7422% | 2,579 |
| Noninterest expense to average assets | 3.8025% | 1,483 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.2649% | 5,058 |
| Return on assets (ROA) | 0.2649% | 5,221 |
| Pretax return on assets | 0.2649% | 5,327 |
| Return on Equity (ROE) | 2.5374% | 5,162 |
| Retained earnings to average equity (ytd only) | 1.2031% | 4,948 |
| Net charge-offs to loans | 0.1578% | 5,404 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 4.1429% | 3,042 |
| Efficiency ratio | 93.4868% | 1,088 |
| Assets per employee ($millions) | 2.2668% | 7,240 |
| Cash dividends to net income (ytd only)* | 52.5862% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6759% | 3,305 |
| Loan loss allowance to noncurrent loans | 732.5000% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.0929% | 6,998 |
| Noncurrent loans to loans | 0.2288% | 6,606 |
| Net loans and leases to total assets | 39.9118% | 6,970 |
| Net loans and leases to deposits | 44.6877% | 7,092 |
| Net loans and leases to core deposits | 45.0189% | 7,169 |
| Total domestic deposits to total assets | 89.3127% | 1,487 |
| Equity capital to assets | 10.4528% | 3,207 |
| Core capital (leverage) ratio | 9.8174% | 3,296 |
| Tier 1 risk-based capital ratio | 20.7516% | 1,352 |
| Total risk-based capital ratio | 22.0044% | 1,333 |
| Memoranda: | ||
| Average total assets | $43,786,800 | 6,744 |
| Average earning assets | $38,553,400 | 6,776 |
| Average equity | $4,571,600 | 6,796 |
| Average total loans | $17,743,200 | 7,041 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4497% | 6,726 |
| Cost of funding earning assets | 0.5727% | 7,339 |
| Net interest margin | 3.8770% | 3,628 |
| Noninterest income to average assets | 0.7521% | 2,494 |
| Noninterest expense to average assets | 3.5845% | 1,826 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.5550% | 4,076 |
| Return on assets (ROA) | 0.5550% | 4,244 |
| Pretax return on assets | 0.5550% | 4,744 |
| Return on Equity (ROE) | 5.3168% | 4,132 |
| Retained earnings to average equity (ytd only) | 4.5034% | 3,345 |
| Net charge-offs to loans | 0.1947% | 4,781 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 7.0375% | 2,398 |
| Efficiency ratio | 86.5934% | 1,568 |
| Assets per employee ($millions) | 2.3260% | 7,286 |
| Cash dividends to net income (ytd only)* | 15.2998% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6671% | 3,265 |
| Loan loss allowance to noncurrent loans | 373.4177% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 6,909 |
| Noncurrent loans to loans | 0.4465% | 6,297 |
| Net loans and leases to total assets | 39.3719% | 7,113 |
| Net loans and leases to deposits | 44.1748% | 7,232 |
| Net loans and leases to core deposits | 44.4933% | 7,302 |
| Total domestic deposits to total assets | 89.1275% | 1,324 |
| Equity capital to assets | 10.6938% | 3,293 |
| Core capital (leverage) ratio | 10.0587% | 3,197 |
| Tier 1 risk-based capital ratio | 20.9580% | 1,365 |
| Total risk-based capital ratio | 22.2086% | 1,338 |
| Memoranda: | ||
| Average total assets | $43,966,000 | 6,820 |
| Average earning assets | $38,413,250 | 6,859 |
| Average equity | $4,589,000 | 6,876 |
| Average total loans | $17,808,250 | 7,131 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5150% | 6,672 |
| Cost of funding earning assets | 0.5794% | 7,441 |
| Net interest margin | 3.9356% | 3,295 |
| Noninterest income to average assets | 0.7200% | 2,575 |
| Noninterest expense to average assets | 3.7002% | 1,559 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4557% | 4,523 |
| Return on assets (ROA) | 0.4557% | 4,683 |
| Pretax return on assets | 0.4557% | 5,046 |
| Return on Equity (ROE) | 4.4021% | 4,598 |
| Retained earnings to average equity (ytd only) | 3.1695% | 4,094 |
| Net charge-offs to loans | 0.3138% | 3,753 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 3.5714% | 3,263 |
| Efficiency ratio | 89.0351% | 1,411 |
| Assets per employee ($millions) | 2.3204% | 7,331 |
| Cash dividends to net income (ytd only)* | 28.0000% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6050% | 3,422 |
| Loan loss allowance to noncurrent loans | 1,085.1852% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 7,237 |
| Noncurrent loans to loans | 0.1479% | 6,964 |
| Net loans and leases to total assets | 40.7412% | 7,118 |
| Net loans and leases to deposits | 45.5357% | 7,268 |
| Net loans and leases to core deposits | 45.8624% | 7,359 |
| Total domestic deposits to total assets | 89.4711% | 1,199 |
| Equity capital to assets | 10.3770% | 3,547 |
| Core capital (leverage) ratio | 9.8137% | 3,385 |
| Tier 1 risk-based capital ratio | 19.7973% | 1,546 |
| Total risk-based capital ratio | 21.0469% | 1,518 |
| Memoranda: | ||
| Average total assets | $43,890,000 | 6,872 |
| Average earning assets | $38,316,670 | 6,916 |
| Average equity | $4,543,330 | 6,924 |
| Average total loans | $17,846,000 | 7,181 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5381% | 6,706 |
| Cost of funding earning assets | 0.5883% | 7,554 |
| Net interest margin | 3.9498% | 3,100 |
| Noninterest income to average assets | 0.7216% | 2,455 |
| Noninterest expense to average assets | 3.5167% | 1,936 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6394% | 3,714 |
| Return on assets (ROA) | 0.6394% | 3,835 |
| Pretax return on assets | 0.6394% | 4,455 |
| Return on Equity (ROE) | 6.1844% | 3,778 |
| Retained earnings to average equity (ytd only) | 6.1844% | 2,530 |
| Net charge-offs to loans | 0.5442% | 2,439 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.9167% | 3,090 |
| Efficiency ratio | 84.6154% | 1,962 |
| Assets per employee ($millions) | 2.4719% | 7,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6523% | 3,240 |
| Loan loss allowance to noncurrent loans | 1,060.7143% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 7,327 |
| Noncurrent loans to loans | 0.1558% | 7,027 |
| Net loans and leases to total assets | 39.7312% | 7,264 |
| Net loans and leases to deposits | 44.3135% | 7,392 |
| Net loans and leases to core deposits | 44.6268% | 7,468 |
| Total domestic deposits to total assets | 89.6593% | 1,152 |
| Equity capital to assets | 10.1991% | 3,609 |
| Core capital (leverage) ratio | 10.0457% | 3,110 |
| Tier 1 risk-based capital ratio | 21.8570% | 1,217 |
| Total risk-based capital ratio | 23.1117% | 1,206 |
| Memoranda: | ||
| Average total assets | $43,791,000 | 6,961 |
| Average earning assets | $38,077,500 | 7,018 |
| Average equity | $4,527,500 | 6,993 |
| Average total loans | $17,641,500 | 7,278 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8725% | 6,775 |
| Cost of funding earning assets | 0.8063% | 7,543 |
| Net interest margin | 4.0662% | 2,585 |
| Noninterest income to average assets | 0.7845% | 2,481 |
| Noninterest expense to average assets | 3.8589% | 1,572 |
| Loan and lease loss provision to assets | 0.0518% | 7,046 |
| Net operating income to assets | 0.4500% | 3,924 |
| Return on assets (ROA) | 0.4500% | 4,049 |
| Pretax return on assets | 0.4500% | 4,353 |
| Return on Equity (ROE) | 4.2768% | 3,972 |
| Retained earnings to average equity (ytd only) | 3.4483% | 2,753 |
| Net charge-offs to loans | 0.0779% | 6,331 |
| Credit loss provision to net charge-offs | 157.1429% | 2,865 |
| Earnings coverage of net charge-offs (x) | 15.2143% | 1,321 |
| Efficiency ratio | 88.4927% | 1,840 |
| Assets per employee ($millions) | 2.3938% | 7,360 |
| Cash dividends to net income (ytd only)* | 19.3717% | 3,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8546% | 2,391 |
| Loan loss allowance to noncurrent loans | 330.9278% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.2251% | 6,904 |
| Noncurrent loans to loans | 0.5604% | 6,125 |
| Net loans and leases to total assets | 39.4240% | 7,376 |
| Net loans and leases to deposits | 44.1209% | 7,511 |
| Net loans and leases to core deposits | 49.8767% | 7,592 |
| Total domestic deposits to total assets | 89.3543% | 1,292 |
| Equity capital to assets | 10.4832% | 3,197 |
| Core capital (leverage) ratio | 10.0743% | 3,017 |
| Tier 1 risk-based capital ratio | 20.4095% | 1,386 |
| Total risk-based capital ratio | 21.6619% | 1,355 |
| Memoranda: | ||
| Average total assets | $42,447,600 | 7,016 |
| Average earning assets | $37,332,000 | 7,040 |
| Average equity | $4,466,000 | 7,126 |
| Average total loans | $17,967,200 | 7,314 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9226% | 6,832 |
| Cost of funding earning assets | 0.8532% | 7,621 |
| Net interest margin | 4.0695% | 2,512 |
| Noninterest income to average assets | 0.7567% | 2,669 |
| Noninterest expense to average assets | 3.6259% | 1,970 |
| Loan and lease loss provision to assets | 0.0315% | 7,041 |
| Net operating income to assets | 0.6937% | 3,233 |
| Return on assets (ROA) | 0.6937% | 3,287 |
| Pretax return on assets | 0.6937% | 3,883 |
| Return on Equity (ROE) | 6.5869% | 3,264 |
| Retained earnings to average equity (ytd only) | 6.5869% | 1,671 |
| Net charge-offs to loans | 0.1030% | 5,644 |
| Credit loss provision to net charge-offs | 71.4286% | 5,952 |
| Earnings coverage of net charge-offs (x) | 16.4253% | 1,469 |
| Efficiency ratio | 83.3333% | 2,383 |
| Assets per employee ($millions) | 2.3176% | 7,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7932% | 2,298 |
| Loan loss allowance to noncurrent loans | 401.2987% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.1846% | 7,070 |
| Noncurrent loans to loans | 0.4468% | 6,435 |
| Net loans and leases to total assets | 40.5672% | 7,436 |
| Net loans and leases to deposits | 45.7935% | 7,573 |
| Net loans and leases to core deposits | 50.9591% | 7,664 |
| Total domestic deposits to total assets | 88.5871% | 1,395 |
| Equity capital to assets | 11.1156% | 2,908 |
| Core capital (leverage) ratio | 10.3143% | 2,959 |
| Tier 1 risk-based capital ratio | 21.1293% | 1,351 |
| Total risk-based capital ratio | 22.3819% | 1,334 |
| Memoranda: | ||
| Average total assets | $42,287,500 | 7,068 |
| Average earning assets | $37,350,500 | 7,100 |
| Average equity | $4,453,250 | 7,199 |
| Average total loans | $18,132,000 | 7,373 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9173% | 6,990 |
| Cost of funding earning assets | 0.9200% | 7,671 |
| Net interest margin | 3.9973% | 2,707 |
| Noninterest income to average assets | 0.6686% | 3,203 |
| Noninterest expense to average assets | 3.7196% | 1,795 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4473% | 4,302 |
| Return on assets (ROA) | 0.4473% | 4,406 |
| Pretax return on assets | 0.4473% | 4,800 |
| Return on Equity (ROE) | 4.3260% | 4,370 |
| Retained earnings to average equity (ytd only) | 4.3260% | 2,894 |
| Net charge-offs to loans | 0.0868% | 5,338 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 11.8750% | 1,866 |
| Efficiency ratio | 89.2655% | 1,880 |
| Assets per employee ($millions) | 2.2432% | 7,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7332% | 2,234 |
| Loan loss allowance to noncurrent loans | 422.2222% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 7,126 |
| Noncurrent loans to loans | 0.4105% | 6,482 |
| Net loans and leases to total assets | 40.4411% | 7,526 |
| Net loans and leases to deposits | 45.2388% | 7,665 |
| Net loans and leases to core deposits | 49.2204% | 7,774 |
| Total domestic deposits to total assets | 89.3947% | 1,081 |
| Equity capital to assets | 10.3684% | 3,549 |
| Core capital (leverage) ratio | 9.6754% | 3,661 |
| Tier 1 risk-based capital ratio | 20.2259% | 1,530 |
| Total risk-based capital ratio | 21.4463% | 1,498 |
| Memoranda: | ||
| Average total assets | $42,478,000 | 7,115 |
| Average earning assets | $37,175,000 | 7,170 |
| Average equity | $4,392,000 | 7,279 |
| Average total loans | $18,432,000 | 7,425 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0770% | 6,718 |
| Cost of funding earning assets | 1.0307% | 7,623 |
| Net interest margin | 4.0462% | 2,467 |
| Noninterest income to average assets | 0.6603% | 3,134 |
| Noninterest expense to average assets | 3.5089% | 2,079 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6320% | 3,875 |
| Return on assets (ROA) | 0.6320% | 4,055 |
| Pretax return on assets | 0.6320% | 4,648 |
| Return on Equity (ROE) | 6.1208% | 3,992 |
| Retained earnings to average equity (ytd only) | 6.1208% | 2,577 |
| Net charge-offs to loans | -0.0212% | 7,454 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7380% | 2,219 |
| Assets per employee ($millions) | 2.2720% | 7,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7059% | 2,126 |
| Loan loss allowance to noncurrent loans | 387.6543% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 6,970 |
| Noncurrent loans to loans | 0.4400% | 6,324 |
| Net loans and leases to total assets | 41.9130% | 7,471 |
| Net loans and leases to deposits | 46.7797% | 7,633 |
| Net loans and leases to core deposits | 50.4672% | 7,777 |
| Total domestic deposits to total assets | 89.5965% | 973 |
| Equity capital to assets | 10.1719% | 3,792 |
| Core capital (leverage) ratio | 9.9618% | 3,444 |
| Tier 1 risk-based capital ratio | 19.3235% | 1,751 |
| Total risk-based capital ratio | 20.5752% | 1,706 |
| Memoranda: | ||
| Average total assets | $42,407,000 | 7,150 |
| Average earning assets | $36,478,500 | 7,249 |
| Average equity | $4,378,500 | 7,327 |
| Average total loans | $18,878,000 | 7,446 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4995% | 7,306 |
| Cost of funding earning assets | 1.2795% | 7,866 |
| Net interest margin | 4.2200% | 2,232 |
| Noninterest income to average assets | 0.8606% | 2,163 |
| Noninterest expense to average assets | 4.1202% | 1,249 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5388% | 4,583 |
| Return on assets (ROA) | 0.5388% | 4,429 |
| Pretax return on assets | 0.6241% | 4,615 |
| Return on Equity (ROE) | 5.2858% | 4,246 |
| Retained earnings to average equity (ytd only) | 0.6219% | 4,869 |
| Net charge-offs to loans | 0.0468% | 6,118 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 28.4444% | 1,216 |
| Efficiency ratio | 86.8448% | 1,774 |
| Assets per employee ($millions) | 2.0823% | 7,839 |
| Cash dividends to net income (ytd only)* | 88.2353% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6177% | 2,169 |
| Loan loss allowance to noncurrent loans | 1,304.1667% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 7,341 |
| Noncurrent loans to loans | 0.1240% | 7,040 |
| Net loans and leases to total assets | 45.7091% | 7,356 |
| Net loans and leases to deposits | 51.1996% | 7,573 |
| Net loans and leases to core deposits | 56.7240% | 7,717 |
| Total domestic deposits to total assets | 89.2763% | 930 |
| Equity capital to assets | 10.4836% | 3,522 |
| Core capital (leverage) ratio | 9.7898% | 3,659 |
| Tier 1 risk-based capital ratio | 18.8555% | 1,845 |
| Total risk-based capital ratio | 20.1059% | 1,799 |
| Memoranda: | ||
| Average total assets | $41,017,000 | 7,168 |
| Average earning assets | $37,748,600 | 7,158 |
| Average equity | $4,181,000 | 7,438 |
| Average total loans | $19,240,800 | 7,383 |