Home > City Bank of Hartford > Performance and Condition Ratios
City Bank of Hartford, 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 | 4.3561% | 2,383 |
| Cost of funding earning assets | 0.3784% | 3,927 |
| Net interest margin | 3.9777% | 1,957 |
| Noninterest income to average assets | 0.7113% | 2,246 |
| Noninterest expense to average assets | 3.6290% | 1,250 |
| Loan and lease loss provision to assets | 0.1788% | 1,440 |
| Net operating income to assets | 0.5605% | 4,556 |
| Return on assets (ROA) | 0.5176% | 4,827 |
| Pretax return on assets | 0.5381% | 5,148 |
| Return on Equity (ROE) | 4.5450% | 4,865 |
| Retained earnings to average equity (ytd only) | 2.5995% | 4,392 |
| Net charge-offs to loans | 0.0920% | 3,179 |
| Credit loss provision to net charge-offs | 355.5556% | 739 |
| Earnings coverage of net charge-offs (x) | 15.1481% | 2,102 |
| Efficiency ratio | 82.6548% | 1,575 |
| Assets per employee ($millions) | 2.9026% | 5,828 |
| Cash dividends to net income (ytd only)* | 42.8058% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4932% | 2,515 |
| Loan loss allowance to noncurrent loans | 41.3628% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 1.9944% | 1,279 |
| Noncurrent loans to loans | 3.6100% | 555 |
| Net loans and leases to total assets | 54.4214% | 4,526 |
| Net loans and leases to deposits | 61.7478% | 4,749 |
| Net loans and leases to core deposits | 63.0066% | 4,920 |
| Total domestic deposits to total assets | 88.1350% | 1,698 |
| Equity capital to assets | 11.6717% | 2,282 |
| Core capital (leverage) ratio | 11.5976% | 1,902 |
| Tier 1 risk-based capital ratio | 22.4241% | 1,161 |
| Total risk-based capital ratio | 23.6780% | 1,146 |
| Memoranda: | ||
| Average total assets | $53,706,200 | 5,701 |
| Average earning assets | $49,677,400 | 5,685 |
| Average equity | $6,116,600 | 5,594 |
| Average total loans | $29,335,400 | 5,585 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4333% | 2,104 |
| Cost of funding earning assets | 0.3845% | 3,964 |
| Net interest margin | 4.0488% | 1,725 |
| Noninterest income to average assets | 0.6880% | 2,391 |
| Noninterest expense to average assets | 3.0182% | 2,742 |
| Loan and lease loss provision to assets | 0.1775% | 1,387 |
| Net operating income to assets | 1.1815% | 1,747 |
| Return on assets (ROA) | 1.2650% | 1,536 |
| Pretax return on assets | 1.3463% | 2,212 |
| Return on Equity (ROE) | 11.1739% | 1,727 |
| Retained earnings to average equity (ytd only) | 8.9957% | 1,006 |
| Net charge-offs to loans | 0.0906% | 2,921 |
| Credit loss provision to net charge-offs | 360.0000% | 784 |
| Earnings coverage of net charge-offs (x) | 29.0956% | 1,400 |
| Efficiency ratio | 67.7741% | 3,897 |
| Assets per employee ($millions) | 2.8032% | 5,957 |
| Cash dividends to net income (ytd only)* | 19.4933% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3251% | 3,520 |
| Loan loss allowance to noncurrent loans | 40.6281% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 2.2869% | 1,192 |
| Noncurrent loans to loans | 3.2615% | 771 |
| Net loans and leases to total assets | 57.8840% | 4,087 |
| Net loans and leases to deposits | 66.0376% | 4,328 |
| Net loans and leases to core deposits | 67.8351% | 4,522 |
| Total domestic deposits to total assets | 87.6530% | 1,952 |
| Equity capital to assets | 11.9846% | 2,073 |
| Core capital (leverage) ratio | 11.5434% | 2,030 |
| Tier 1 risk-based capital ratio | 19.7494% | 1,727 |
| Total risk-based capital ratio | 20.9991% | 1,695 |
| Memoranda: | ||
| Average total assets | $54,071,250 | 5,757 |
| Average earning assets | $50,285,000 | 5,725 |
| Average equity | $6,121,250 | 5,651 |
| Average total loans | $29,453,250 | 5,641 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3304% | 2,470 |
| Cost of funding earning assets | 0.3948% | 3,916 |
| Net interest margin | 3.9357% | 2,026 |
| Noninterest income to average assets | 0.5778% | 2,944 |
| Noninterest expense to average assets | 2.9922% | 2,860 |
| Loan and lease loss provision to assets | 0.1767% | 1,387 |
| Net operating income to assets | 1.0046% | 2,306 |
| Return on assets (ROA) | 1.1004% | 2,004 |
| Pretax return on assets | 1.1814% | 2,756 |
| Return on Equity (ROE) | 9.9105% | 2,186 |
| Retained earnings to average equity (ytd only) | 9.9105% | 734 |
| Net charge-offs to loans | 0.0762% | 2,932 |
| Credit loss provision to net charge-offs | 436.3636% | 647 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,228 |
| Efficiency ratio | 70.4506% | 3,583 |
| Assets per employee ($millions) | 2.8926% | 5,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 3,813 |
| Loan loss allowance to noncurrent loans | 37.4648% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 2.2999% | 1,299 |
| Noncurrent loans to loans | 3.4921% | 762 |
| Net loans and leases to total assets | 54.7645% | 4,441 |
| Net loans and leases to deposits | 62.0079% | 4,695 |
| Net loans and leases to core deposits | 63.6200% | 4,850 |
| Total domestic deposits to total assets | 88.3186% | 1,727 |
| Equity capital to assets | 11.3867% | 2,521 |
| Core capital (leverage) ratio | 11.1740% | 2,273 |
| Tier 1 risk-based capital ratio | 19.7360% | 1,748 |
| Total risk-based capital ratio | 20.9855% | 1,716 |
| Memoranda: | ||
| Average total assets | $54,341,670 | 5,803 |
| Average earning assets | $50,664,670 | 5,765 |
| Average equity | $6,034,000 | 5,710 |
| Average total loans | $28,856,670 | 5,703 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2812% | 2,589 |
| Cost of funding earning assets | 0.4058% | 3,896 |
| Net interest margin | 3.8753% | 2,175 |
| Noninterest income to average assets | 0.6959% | 2,196 |
| Noninterest expense to average assets | 2.9760% | 2,960 |
| Loan and lease loss provision to assets | 0.1777% | 1,359 |
| Net operating income to assets | 1.0736% | 1,919 |
| Return on assets (ROA) | 1.2733% | 1,338 |
| Pretax return on assets | 1.3621% | 1,877 |
| Return on Equity (ROE) | 11.6177% | 1,515 |
| Retained earnings to average equity (ytd only) | 11.6177% | 662 |
| Net charge-offs to loans | 0.0285% | 3,008 |
| Credit loss provision to net charge-offs | 1,200.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 89.5000% | 498 |
| Efficiency ratio | 69.1910% | 3,967 |
| Assets per employee ($millions) | 2.8991% | 5,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3663% | 3,759 |
| Loan loss allowance to noncurrent loans | 41.8757% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 2.3909% | 1,359 |
| Noncurrent loans to loans | 3.2626% | 939 |
| Net loans and leases to total assets | 50.3277% | 4,877 |
| Net loans and leases to deposits | 56.6032% | 5,063 |
| Net loans and leases to core deposits | 58.0614% | 5,195 |
| Total domestic deposits to total assets | 88.9131% | 1,715 |
| Equity capital to assets | 10.9108% | 2,811 |
| Core capital (leverage) ratio | 11.0841% | 2,317 |
| Tier 1 risk-based capital ratio | 20.7372% | 1,529 |
| Total risk-based capital ratio | 21.9889% | 1,500 |
| Memoranda: | ||
| Average total assets | $54,033,000 | 5,863 |
| Average earning assets | $50,266,500 | 5,829 |
| Average equity | $5,922,000 | 5,766 |
| Average total loans | $28,036,500 | 5,796 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1556% | 3,519 |
| Cost of funding earning assets | 0.4635% | 3,984 |
| Net interest margin | 3.6921% | 3,086 |
| Noninterest income to average assets | 0.6914% | 2,588 |
| Noninterest expense to average assets | 3.0425% | 2,923 |
| Loan and lease loss provision to assets | 0.2568% | 1,398 |
| Net operating income to assets | 0.7959% | 3,310 |
| Return on assets (ROA) | 0.7959% | 3,411 |
| Pretax return on assets | 0.8399% | 3,995 |
| Return on Equity (ROE) | 7.2391% | 3,434 |
| Retained earnings to average equity (ytd only) | 3.2359% | 3,928 |
| Net charge-offs to loans | 0.2334% | 2,583 |
| Credit loss provision to net charge-offs | 218.7500% | 1,057 |
| Earnings coverage of net charge-offs (x) | 9.3438% | 2,521 |
| Efficiency ratio | 73.5047% | 3,215 |
| Assets per employee ($millions) | 2.7886% | 6,123 |
| Cash dividends to net income (ytd only)* | 55.2995% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 4,174 |
| Loan loss allowance to noncurrent loans | 40.2222% | 5,625 |
| Noncurrent assets plus other real estate owned to assets | 2.5065% | 1,366 |
| Noncurrent loans to loans | 3.2181% | 1,041 |
| Net loans and leases to total assets | 52.1016% | 4,836 |
| Net loans and leases to deposits | 59.0469% | 5,032 |
| Net loans and leases to core deposits | 60.6383% | 5,170 |
| Total domestic deposits to total assets | 88.2377% | 2,032 |
| Equity capital to assets | 11.0111% | 2,602 |
| Core capital (leverage) ratio | 10.8893% | 2,490 |
| Tier 1 risk-based capital ratio | 20.2119% | 1,609 |
| Total risk-based capital ratio | 21.4620% | 1,575 |
| Memoranda: | ||
| Average total assets | $54,527,200 | 5,903 |
| Average earning assets | $50,919,000 | 5,867 |
| Average equity | $5,995,200 | 5,824 |
| Average total loans | $27,421,000 | 5,874 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0910% | 3,798 |
| Cost of funding earning assets | 0.4782% | 3,983 |
| Net interest margin | 3.6127% | 3,389 |
| Noninterest income to average assets | 0.8110% | 2,094 |
| Noninterest expense to average assets | 2.8918% | 3,329 |
| Loan and lease loss provision to assets | 0.3399% | 956 |
| Net operating income to assets | 0.9105% | 2,777 |
| Return on assets (ROA) | 0.9105% | 2,886 |
| Pretax return on assets | 0.9542% | 3,675 |
| Return on Equity (ROE) | 8.2842% | 2,984 |
| Retained earnings to average equity (ytd only) | 8.2842% | 1,304 |
| Net charge-offs to loans | 0.2736% | 2,181 |
| Credit loss provision to net charge-offs | 250.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 9.5185% | 2,474 |
| Efficiency ratio | 69.0835% | 3,905 |
| Assets per employee ($millions) | 2.8227% | 6,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2948% | 4,422 |
| Loan loss allowance to noncurrent loans | 37.7166% | 5,715 |
| Noncurrent assets plus other real estate owned to assets | 2.8099% | 1,325 |
| Noncurrent loans to loans | 3.4331% | 1,122 |
| Net loans and leases to total assets | 52.5899% | 4,806 |
| Net loans and leases to deposits | 59.4804% | 5,035 |
| Net loans and leases to core deposits | 61.0564% | 5,212 |
| Total domestic deposits to total assets | 88.4155% | 1,884 |
| Equity capital to assets | 11.3272% | 2,449 |
| Core capital (leverage) ratio | 11.2135% | 2,289 |
| Tier 1 risk-based capital ratio | 20.5634% | 1,589 |
| Total risk-based capital ratio | 21.8132% | 1,561 |
| Memoranda: | ||
| Average total assets | $54,913,250 | 5,965 |
| Average earning assets | $51,298,750 | 5,919 |
| Average equity | $6,035,500 | 5,884 |
| Average total loans | $27,284,500 | 5,935 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9850% | 4,167 |
| Cost of funding earning assets | 0.4832% | 4,056 |
| Net interest margin | 3.5019% | 3,775 |
| Noninterest income to average assets | 0.7445% | 2,440 |
| Noninterest expense to average assets | 2.9057% | 3,309 |
| Loan and lease loss provision to assets | 0.3975% | 784 |
| Net operating income to assets | 0.6722% | 3,946 |
| Return on assets (ROA) | 0.6722% | 4,110 |
| Pretax return on assets | 0.7156% | 4,634 |
| Return on Equity (ROE) | 6.1770% | 4,058 |
| Retained earnings to average equity (ytd only) | 6.1770% | 2,334 |
| Net charge-offs to loans | 0.4394% | 1,481 |
| Credit loss provision to net charge-offs | 186.4407% | 1,278 |
| Earnings coverage of net charge-offs (x) | 5.2203% | 2,942 |
| Efficiency ratio | 72.3022% | 3,419 |
| Assets per employee ($millions) | 2.7039% | 6,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2059% | 4,959 |
| Loan loss allowance to noncurrent loans | 36.3931% | 5,780 |
| Noncurrent assets plus other real estate owned to assets | 2.6851% | 1,555 |
| Noncurrent loans to loans | 3.3135% | 1,316 |
| Net loans and leases to total assets | 51.0550% | 4,990 |
| Net loans and leases to deposits | 57.6040% | 5,196 |
| Net loans and leases to core deposits | 59.1085% | 5,338 |
| Total domestic deposits to total assets | 88.6310% | 1,823 |
| Equity capital to assets | 11.0786% | 2,678 |
| Core capital (leverage) ratio | 10.6532% | 2,712 |
| Tier 1 risk-based capital ratio | 20.3888% | 1,633 |
| Total risk-based capital ratio | 21.5669% | 1,625 |
| Memoranda: | ||
| Average total assets | $55,340,330 | 5,988 |
| Average earning assets | $51,743,670 | 5,943 |
| Average equity | $6,022,330 | 5,931 |
| Average total loans | $26,854,330 | 5,984 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8244% | 4,737 |
| Cost of funding earning assets | 0.4866% | 4,217 |
| Net interest margin | 3.3378% | 4,365 |
| Noninterest income to average assets | 0.6360% | 2,955 |
| Noninterest expense to average assets | 2.7585% | 3,839 |
| Loan and lease loss provision to assets | 0.4645% | 598 |
| Net operating income to assets | 0.5074% | 4,618 |
| Return on assets (ROA) | 0.5074% | 4,764 |
| Pretax return on assets | 0.5503% | 5,111 |
| Return on Equity (ROE) | 4.7035% | 4,736 |
| Retained earnings to average equity (ytd only) | 4.7035% | 3,413 |
| Net charge-offs to loans | 0.4561% | 1,306 |
| Credit loss provision to net charge-offs | 216.6667% | 1,026 |
| Earnings coverage of net charge-offs (x) | 4.7333% | 2,487 |
| Efficiency ratio | 73.1061% | 3,429 |
| Assets per employee ($millions) | 2.8165% | 6,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 4,911 |
| Loan loss allowance to noncurrent loans | 31.6256% | 5,960 |
| Noncurrent assets plus other real estate owned to assets | 3.1618% | 1,381 |
| Noncurrent loans to loans | 3.9735% | 1,139 |
| Net loans and leases to total assets | 44.7780% | 5,581 |
| Net loans and leases to deposits | 50.2701% | 5,768 |
| Net loans and leases to core deposits | 51.5228% | 5,859 |
| Total domestic deposits to total assets | 89.0749% | 1,640 |
| Equity capital to assets | 10.7564% | 3,251 |
| Core capital (leverage) ratio | 10.2112% | 3,130 |
| Tier 1 risk-based capital ratio | 22.6564% | 1,208 |
| Total risk-based capital ratio | 23.9103% | 1,190 |
| Memoranda: | ||
| Average total assets | $55,972,000 | 6,022 |
| Average earning assets | $52,610,000 | 5,962 |
| Average equity | $6,038,000 | 5,973 |
| Average total loans | $26,308,500 | 6,057 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1523% | 4,760 |
| Cost of funding earning assets | 0.6789% | 3,658 |
| Net interest margin | 3.4734% | 4,609 |
| Noninterest income to average assets | 0.6401% | 3,051 |
| Noninterest expense to average assets | 2.7389% | 4,255 |
| Loan and lease loss provision to assets | 0.3625% | 1,828 |
| Net operating income to assets | 0.6507% | 3,979 |
| Return on assets (ROA) | 0.6507% | 4,249 |
| Pretax return on assets | 0.6507% | 4,824 |
| Return on Equity (ROE) | 6.3237% | 4,001 |
| Retained earnings to average equity (ytd only) | 4.6740% | 2,925 |
| Net charge-offs to loans | 1.0278% | 1,051 |
| Credit loss provision to net charge-offs | 71.4286% | 4,114 |
| Earnings coverage of net charge-offs (x) | 1.9965% | 4,417 |
| Efficiency ratio | 72.9972% | 3,242 |
| Assets per employee ($millions) | 2.7808% | 6,335 |
| Cash dividends to net income (ytd only)* | 26.0870% | 3,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0564% | 5,735 |
| Loan loss allowance to noncurrent loans | 25.3996% | 6,234 |
| Noncurrent assets plus other real estate owned to assets | 3.4397% | 1,326 |
| Noncurrent loans to loans | 4.1591% | 1,097 |
| Net loans and leases to total assets | 48.1651% | 5,398 |
| Net loans and leases to deposits | 54.2719% | 5,625 |
| Net loans and leases to core deposits | 55.9414% | 5,719 |
| Total domestic deposits to total assets | 88.7476% | 1,735 |
| Equity capital to assets | 10.8190% | 3,153 |
| Core capital (leverage) ratio | 10.1054% | 3,268 |
| Tier 1 risk-based capital ratio | 20.8007% | 1,502 |
| Total risk-based capital ratio | 21.8521% | 1,518 |
| Memoranda: | ||
| Average total assets | $56,554,600 | 6,010 |
| Average earning assets | $50,670,800 | 6,024 |
| Average equity | $5,819,400 | 6,067 |
| Average total loans | $27,922,400 | 6,041 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1513% | 4,981 |
| Cost of funding earning assets | 0.7299% | 3,517 |
| Net interest margin | 3.4213% | 4,960 |
| Noninterest income to average assets | 0.6879% | 2,770 |
| Noninterest expense to average assets | 2.7962% | 3,993 |
| Loan and lease loss provision to assets | 0.3874% | 1,662 |
| Net operating income to assets | 0.4860% | 4,898 |
| Return on assets (ROA) | 0.4860% | 5,161 |
| Pretax return on assets | 0.5306% | 5,377 |
| Return on Equity (ROE) | 4.7832% | 4,928 |
| Retained earnings to average equity (ytd only) | 4.7832% | 3,531 |
| Net charge-offs to loans | 0.9383% | 1,152 |
| Credit loss provision to net charge-offs | 83.3333% | 3,513 |
| Earnings coverage of net charge-offs (x) | 1.9748% | 4,277 |
| Efficiency ratio | 75.2845% | 2,781 |
| Assets per employee ($millions) | 2.7726% | 6,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1475% | 5,531 |
| Loan loss allowance to noncurrent loans | 21.4194% | 6,455 |
| Noncurrent assets plus other real estate owned to assets | 4.3966% | 1,057 |
| Noncurrent loans to loans | 5.3571% | 811 |
| Net loans and leases to total assets | 52.0450% | 5,037 |
| Net loans and leases to deposits | 58.4897% | 5,378 |
| Net loans and leases to core deposits | 60.2895% | 5,526 |
| Total domestic deposits to total assets | 88.9815% | 1,439 |
| Equity capital to assets | 10.7552% | 3,550 |
| Core capital (leverage) ratio | 10.0105% | 3,523 |
| Tier 1 risk-based capital ratio | 18.7630% | 2,086 |
| Total risk-based capital ratio | 19.8830% | 2,093 |
| Memoranda: | ||
| Average total assets | $56,789,500 | 6,072 |
| Average earning assets | $50,232,500 | 6,108 |
| Average equity | $5,770,000 | 6,152 |
| Average total loans | $28,134,750 | 6,107 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0563% | 5,466 |
| Cost of funding earning assets | 0.7694% | 3,447 |
| Net interest margin | 3.2869% | 5,482 |
| Noninterest income to average assets | 0.6325% | 3,060 |
| Noninterest expense to average assets | 2.8234% | 3,928 |
| Loan and lease loss provision to assets | 0.3669% | 1,786 |
| Net operating income to assets | 0.3040% | 5,606 |
| Return on assets (ROA) | 0.3040% | 5,809 |
| Pretax return on assets | 0.3529% | 5,819 |
| Return on Equity (ROE) | 3.0498% | 5,676 |
| Retained earnings to average equity (ytd only) | 3.0498% | 4,613 |
| Net charge-offs to loans | 0.2952% | 2,849 |
| Credit loss provision to net charge-offs | 256.0976% | 1,119 |
| Earnings coverage of net charge-offs (x) | 5.0244% | 2,928 |
| Efficiency ratio | 79.6844% | 2,237 |
| Assets per employee ($millions) | 2.8377% | 6,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5183% | 3,928 |
| Loan loss allowance to noncurrent loans | 20.7294% | 6,499 |
| Noncurrent assets plus other real estate owned to assets | 5.1310% | 918 |
| Noncurrent loans to loans | 7.3246% | 511 |
| Net loans and leases to total assets | 49.3718% | 5,435 |
| Net loans and leases to deposits | 55.1260% | 5,751 |
| Net loans and leases to core deposits | 57.2854% | 5,835 |
| Total domestic deposits to total assets | 89.5618% | 1,189 |
| Equity capital to assets | 10.1774% | 4,083 |
| Core capital (leverage) ratio | 9.6294% | 3,954 |
| Tier 1 risk-based capital ratio | 19.0151% | 1,961 |
| Total risk-based capital ratio | 20.2696% | 1,946 |
| Memoranda: | ||
| Average total assets | $57,235,330 | 6,101 |
| Average earning assets | $50,686,330 | 6,128 |
| Average equity | $5,705,330 | 6,193 |
| Average total loans | $27,781,330 | 6,162 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2272% | 5,003 |
| Cost of funding earning assets | 0.8295% | 3,235 |
| Net interest margin | 3.3977% | 5,132 |
| Noninterest income to average assets | 0.5985% | 3,239 |
| Noninterest expense to average assets | 2.7281% | 4,321 |
| Loan and lease loss provision to assets | 0.4524% | 1,364 |
| Net operating income to assets | 0.3271% | 5,560 |
| Return on assets (ROA) | 0.3271% | 5,732 |
| Pretax return on assets | 0.3828% | 5,774 |
| Return on Equity (ROE) | 3.3157% | 5,588 |
| Retained earnings to average equity (ytd only) | 3.3157% | 4,577 |
| Net charge-offs to loans | 0.3935% | 2,121 |
| Credit loss provision to net charge-offs | 240.7407% | 1,179 |
| Earnings coverage of net charge-offs (x) | 4.4444% | 2,569 |
| Efficiency ratio | 76.5625% | 2,706 |
| Assets per employee ($millions) | 2.7556% | 6,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5033% | 4,137 |
| Loan loss allowance to noncurrent loans | 19.6705% | 6,574 |
| Noncurrent assets plus other real estate owned to assets | 5.0564% | 1,025 |
| Noncurrent loans to loans | 7.6425% | 537 |
| Net loans and leases to total assets | 45.9692% | 5,783 |
| Net loans and leases to deposits | 51.0978% | 6,061 |
| Net loans and leases to core deposits | 53.0439% | 6,127 |
| Total domestic deposits to total assets | 89.9632% | 1,105 |
| Equity capital to assets | 9.8640% | 4,296 |
| Core capital (leverage) ratio | 9.5462% | 3,988 |
| Tier 1 risk-based capital ratio | 19.7032% | 1,780 |
| Total risk-based capital ratio | 20.9555% | 1,755 |
| Memoranda: | ||
| Average total assets | $57,476,500 | 6,131 |
| Average earning assets | $50,151,000 | 6,188 |
| Average equity | $5,670,000 | 6,235 |
| Average total loans | $27,446,000 | 6,220 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7172% | 4,177 |
| Cost of funding earning assets | 1.1308% | 2,464 |
| Net interest margin | 3.5864% | 4,785 |
| Noninterest income to average assets | 0.3609% | 4,932 |
| Noninterest expense to average assets | 2.7039% | 4,727 |
| Loan and lease loss provision to assets | 0.4252% | 2,466 |
| Net operating income to assets | 0.3964% | 4,883 |
| Return on assets (ROA) | 0.3964% | 5,051 |
| Pretax return on assets | 0.3964% | 5,306 |
| Return on Equity (ROE) | 4.5073% | 4,625 |
| Retained earnings to average equity (ytd only) | 4.5073% | 2,969 |
| Net charge-offs to loans | 0.7953% | 2,171 |
| Credit loss provision to net charge-offs | 100.8032% | 3,458 |
| Earnings coverage of net charge-offs (x) | 1.9478% | 4,315 |
| Efficiency ratio | 76.6939% | 2,793 |
| Assets per employee ($millions) | 2.7184% | 6,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 4,805 |
| Loan loss allowance to noncurrent loans | 15.3397% | 6,739 |
| Noncurrent assets plus other real estate owned to assets | 6.2257% | 771 |
| Noncurrent loans to loans | 8.6032% | 432 |
| Net loans and leases to total assets | 48.2027% | 5,803 |
| Net loans and leases to deposits | 53.6227% | 6,105 |
| Net loans and leases to core deposits | 55.1266% | 6,220 |
| Total domestic deposits to total assets | 89.8924% | 1,046 |
| Equity capital to assets | 9.8658% | 4,349 |
| Core capital (leverage) ratio | 9.2857% | 4,353 |
| Tier 1 risk-based capital ratio | 18.6866% | 1,993 |
| Total risk-based capital ratio | 19.9404% | 1,956 |
| Memoranda: | ||
| Average total assets | $59,026,000 | 6,074 |
| Average earning assets | $52,086,000 | 6,120 |
| Average equity | $5,191,600 | 6,393 |
| Average total loans | $31,310,000 | 6,106 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6609% | 4,630 |
| Cost of funding earning assets | 1.1854% | 2,414 |
| Net interest margin | 3.4755% | 5,294 |
| Noninterest income to average assets | 0.5758% | 3,330 |
| Noninterest expense to average assets | 2.5899% | 5,122 |
| Loan and lease loss provision to assets | 0.4951% | 2,006 |
| Net operating income to assets | 0.5400% | 4,363 |
| Return on assets (ROA) | 0.5400% | 4,550 |
| Pretax return on assets | 0.5780% | 4,889 |
| Return on Equity (ROE) | 6.3235% | 3,861 |
| Retained earnings to average equity (ytd only) | 6.3235% | 2,351 |
| Net charge-offs to loans | 0.8539% | 1,861 |
| Credit loss provision to net charge-offs | 107.2816% | 3,080 |
| Earnings coverage of net charge-offs (x) | 2.3252% | 3,963 |
| Efficiency ratio | 70.7034% | 3,810 |
| Assets per employee ($millions) | 2.7871% | 6,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1931% | 5,496 |
| Loan loss allowance to noncurrent loans | 12.6831% | 6,857 |
| Noncurrent assets plus other real estate owned to assets | 6.7726% | 746 |
| Noncurrent loans to loans | 9.4072% | 399 |
| Net loans and leases to total assets | 53.9074% | 5,174 |
| Net loans and leases to deposits | 59.8664% | 5,646 |
| Net loans and leases to core deposits | 61.4929% | 5,858 |
| Total domestic deposits to total assets | 90.0461% | 845 |
| Equity capital to assets | 9.6771% | 4,810 |
| Core capital (leverage) ratio | 9.2268% | 4,577 |
| Tier 1 risk-based capital ratio | 16.5243% | 2,851 |
| Total risk-based capital ratio | 17.6869% | 2,858 |
| Memoranda: | ||
| Average total assets | $59,511,000 | 6,106 |
| Average earning assets | $52,864,500 | 6,136 |
| Average equity | $5,081,500 | 6,472 |
| Average total loans | $32,166,250 | 6,125 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6820% | 4,613 |
| Cost of funding earning assets | 1.2251% | 2,410 |
| Net interest margin | 3.4569% | 5,333 |
| Noninterest income to average assets | 0.5248% | 3,666 |
| Noninterest expense to average assets | 2.3764% | 5,915 |
| Loan and lease loss provision to assets | 0.6384% | 1,504 |
| Net operating income to assets | 0.5983% | 4,073 |
| Return on assets (ROA) | 0.5983% | 4,209 |
| Pretax return on assets | 0.6317% | 4,642 |
| Return on Equity (ROE) | 7.3251% | 3,280 |
| Retained earnings to average equity (ytd only) | 7.3251% | 1,728 |
| Net charge-offs to loans | 0.8126% | 1,877 |
| Credit loss provision to net charge-offs | 145.8015% | 2,099 |
| Earnings coverage of net charge-offs (x) | 2.9008% | 3,396 |
| Efficiency ratio | 65.1696% | 5,033 |
| Assets per employee ($millions) | 2.8133% | 6,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2665% | 5,220 |
| Loan loss allowance to noncurrent loans | 18.2833% | 6,773 |
| Noncurrent assets plus other real estate owned to assets | 5.0423% | 1,212 |
| Noncurrent loans to loans | 6.9269% | 754 |
| Net loans and leases to total assets | 56.2136% | 4,958 |
| Net loans and leases to deposits | 61.6777% | 5,541 |
| Net loans and leases to core deposits | 63.4258% | 5,784 |
| Total domestic deposits to total assets | 91.1408% | 450 |
| Equity capital to assets | 8.5511% | 6,127 |
| Core capital (leverage) ratio | 8.0343% | 6,257 |
| Tier 1 risk-based capital ratio | 14.3377% | 3,912 |
| Total risk-based capital ratio | 15.5900% | 3,883 |
| Memoranda: | ||
| Average total assets | $59,838,000 | 6,143 |
| Average earning assets | $54,037,000 | 6,145 |
| Average equity | $4,887,330 | 6,568 |
| Average total loans | $32,244,000 | 6,177 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5431% | 5,193 |
| Cost of funding earning assets | 1.2718% | 2,351 |
| Net interest margin | 3.2713% | 5,876 |
| Noninterest income to average assets | 0.5314% | 3,641 |
| Noninterest expense to average assets | 2.2851% | 6,230 |
| Loan and lease loss provision to assets | 0.9499% | 826 |
| Net operating income to assets | 0.2391% | 5,647 |
| Return on assets (ROA) | 0.2391% | 5,717 |
| Pretax return on assets | 0.2524% | 5,802 |
| Return on Equity (ROE) | 2.9969% | 5,376 |
| Retained earnings to average equity (ytd only) | 2.9969% | 4,370 |
| Net charge-offs to loans | 0.1014% | 3,939 |
| Credit loss provision to net charge-offs | 1,787.5000% | 221 |
| Earnings coverage of net charge-offs (x) | 22.6250% | 1,048 |
| Efficiency ratio | 65.5238% | 5,121 |
| Assets per employee ($millions) | 2.8951% | 6,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5791% | 3,821 |
| Loan loss allowance to noncurrent loans | 22.8350% | 6,651 |
| Noncurrent assets plus other real estate owned to assets | 4.2699% | 1,531 |
| Noncurrent loans to loans | 6.9155% | 812 |
| Net loans and leases to total assets | 51.3594% | 5,668 |
| Net loans and leases to deposits | 55.9648% | 6,129 |
| Net loans and leases to core deposits | 57.7578% | 6,283 |
| Total domestic deposits to total assets | 91.7710% | 347 |
| Equity capital to assets | 7.9412% | 6,553 |
| Core capital (leverage) ratio | 7.7980% | 6,466 |
| Tier 1 risk-based capital ratio | 14.9736% | 3,438 |
| Total risk-based capital ratio | 16.2290% | 3,400 |
| Memoranda: | ||
| Average total assets | $60,217,000 | 6,178 |
| Average earning assets | $54,412,500 | 6,183 |
| Average equity | $4,805,000 | 6,616 |
| Average total loans | $31,547,500 | 6,266 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2299% | 3,464 |
| Cost of funding earning assets | 1.7559% | 1,362 |
| Net interest margin | 3.4740% | 5,348 |
| Noninterest income to average assets | 0.6028% | 3,458 |
| Noninterest expense to average assets | 2.5548% | 5,601 |
| Loan and lease loss provision to assets | 0.6939% | 2,370 |
| Net operating income to assets | 0.3809% | 4,634 |
| Return on assets (ROA) | 0.5117% | 4,198 |
| Pretax return on assets | 0.5625% | 4,443 |
| Return on Equity (ROE) | 5.9546% | 3,627 |
| Retained earnings to average equity (ytd only) | 1.9169% | 4,520 |
| Net charge-offs to loans | 1.3522% | 1,652 |
| Credit loss provision to net charge-offs | 91.4550% | 5,064 |
| Earnings coverage of net charge-offs (x) | 1.4665% | 4,657 |
| Efficiency ratio | 69.6608% | 4,249 |
| Assets per employee ($millions) | 2.9819% | 6,140 |
| Cash dividends to net income (ytd only)* | 67.8082% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1668% | 5,656 |
| Loan loss allowance to noncurrent loans | 22.6065% | 6,710 |
| Noncurrent assets plus other real estate owned to assets | 3.3972% | 2,060 |
| Noncurrent loans to loans | 5.1611% | 1,289 |
| Net loans and leases to total assets | 51.9862% | 5,910 |
| Net loans and leases to deposits | 56.9793% | 6,354 |
| Net loans and leases to core deposits | 58.7312% | 6,498 |
| Total domestic deposits to total assets | 91.2370% | 490 |
| Equity capital to assets | 8.0185% | 6,481 |
| Core capital (leverage) ratio | 7.8360% | 6,394 |
| Tier 1 risk-based capital ratio | 15.1713% | 3,160 |
| Total risk-based capital ratio | 16.3624% | 3,130 |
| Memoranda: | ||
| Average total assets | $57,069,400 | 6,307 |
| Average earning assets | $50,345,400 | 6,354 |
| Average equity | $4,903,800 | 6,699 |
| Average total loans | $32,021,000 | 6,314 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7035% | 1,699 |
| Cost of funding earning assets | 1.8534% | 1,199 |
| Net interest margin | 3.8501% | 3,751 |
| Noninterest income to average assets | 0.5883% | 3,515 |
| Noninterest expense to average assets | 2.4503% | 5,881 |
| Loan and lease loss provision to assets | 0.5340% | 2,803 |
| Net operating income to assets | 0.9269% | 2,509 |
| Return on assets (ROA) | 1.1129% | 1,956 |
| Pretax return on assets | 1.1649% | 2,620 |
| Return on Equity (ROE) | 12.7270% | 1,335 |
| Retained earnings to average equity (ytd only) | 12.7270% | 377 |
| Net charge-offs to loans | 0.3729% | 3,810 |
| Credit loss provision to net charge-offs | 251.1111% | 1,322 |
| Earnings coverage of net charge-offs (x) | 7.0776% | 2,388 |
| Efficiency ratio | 61.9474% | 5,632 |
| Assets per employee ($millions) | 2.9073% | 6,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6045% | 3,511 |
| Loan loss allowance to noncurrent loans | 81.0526% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 1.8437% | 3,690 |
| Noncurrent loans to loans | 1.9796% | 3,708 |
| Net loans and leases to total assets | 56.8458% | 5,434 |
| Net loans and leases to deposits | 62.8014% | 6,047 |
| Net loans and leases to core deposits | 64.7996% | 6,230 |
| Total domestic deposits to total assets | 90.5168% | 632 |
| Equity capital to assets | 9.0911% | 5,457 |
| Core capital (leverage) ratio | 8.9935% | 4,702 |
| Tier 1 risk-based capital ratio | 15.2612% | 3,121 |
| Total risk-based capital ratio | 16.5159% | 3,086 |
| Memoranda: | ||
| Average total assets | $56,427,500 | 6,405 |
| Average earning assets | $49,348,250 | 6,462 |
| Average equity | $4,934,250 | 6,773 |
| Average total loans | $32,184,000 | 6,387 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7441% | 1,576 |
| Cost of funding earning assets | 1.9147% | 1,186 |
| Net interest margin | 3.8294% | 3,768 |
| Noninterest income to average assets | 0.5729% | 3,520 |
| Noninterest expense to average assets | 2.5316% | 5,602 |
| Loan and lease loss provision to assets | 0.7018% | 2,067 |
| Net operating income to assets | 0.6484% | 3,635 |
| Return on assets (ROA) | 0.6517% | 3,775 |
| Pretax return on assets | 0.7018% | 4,233 |
| Return on Equity (ROE) | 7.5566% | 3,087 |
| Retained earnings to average equity (ytd only) | 7.5566% | 1,620 |
| Net charge-offs to loans | 0.3721% | 3,497 |
| Credit loss provision to net charge-offs | 332.2034% | 1,100 |
| Earnings coverage of net charge-offs (x) | 6.6271% | 2,433 |
| Efficiency ratio | 64.3898% | 5,260 |
| Assets per employee ($millions) | 2.7546% | 6,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6381% | 3,298 |
| Loan loss allowance to noncurrent loans | 87.5203% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 1.7650% | 3,808 |
| Noncurrent loans to loans | 1.8716% | 3,904 |
| Net loans and leases to total assets | 56.0557% | 5,691 |
| Net loans and leases to deposits | 61.6675% | 6,261 |
| Net loans and leases to core deposits | 63.6253% | 6,435 |
| Total domestic deposits to total assets | 90.9000% | 530 |
| Equity capital to assets | 8.6869% | 5,901 |
| Core capital (leverage) ratio | 8.5876% | 5,258 |
| Tier 1 risk-based capital ratio | 14.4911% | 3,448 |
| Total risk-based capital ratio | 15.7493% | 3,411 |
| Memoranda: | ||
| Average total assets | $55,855,000 | 6,461 |
| Average earning assets | $48,989,330 | 6,505 |
| Average equity | $4,817,000 | 6,836 |
| Average total loans | $31,714,670 | 6,452 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7270% | 1,678 |
| Cost of funding earning assets | 1.9723% | 1,182 |
| Net interest margin | 3.7547% | 3,986 |
| Noninterest income to average assets | 0.4739% | 4,259 |
| Noninterest expense to average assets | 2.6832% | 4,982 |
| Loan and lease loss provision to assets | 0.2187% | 4,311 |
| Net operating income to assets | 0.8389% | 2,798 |
| Return on assets (ROA) | 0.8458% | 2,862 |
| Pretax return on assets | 0.8968% | 3,483 |
| Return on Equity (ROE) | 9.8451% | 2,155 |
| Retained earnings to average equity (ytd only) | 9.8451% | 1,175 |
| Net charge-offs to loans | 0.2059% | 3,682 |
| Credit loss provision to net charge-offs | 187.5000% | 1,949 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,844 |
| Efficiency ratio | 70.7692% | 4,162 |
| Assets per employee ($millions) | 2.6550% | 6,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3471% | 4,693 |
| Loan loss allowance to noncurrent loans | 63.6641% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 1.8563% | 3,696 |
| Noncurrent loans to loans | 2.1160% | 3,633 |
| Net loans and leases to total assets | 54.7708% | 5,920 |
| Net loans and leases to deposits | 60.1651% | 6,449 |
| Net loans and leases to core deposits | 62.4588% | 6,562 |
| Total domestic deposits to total assets | 91.0341% | 526 |
| Equity capital to assets | 8.5874% | 5,885 |
| Core capital (leverage) ratio | 8.5510% | 5,291 |
| Tier 1 risk-based capital ratio | 14.6696% | 3,275 |
| Total risk-based capital ratio | 15.9194% | 3,241 |
| Memoranda: | ||
| Average total assets | $54,859,500 | 6,576 |
| Average earning assets | $48,472,000 | 6,611 |
| Average equity | $4,713,000 | 6,940 |
| Average total loans | $31,089,000 | 6,566 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2220% | 1,189 |
| Cost of funding earning assets | 2.6497% | 674 |
| Net interest margin | 3.5723% | 4,645 |
| Noninterest income to average assets | 0.5450% | 4,065 |
| Noninterest expense to average assets | 2.7805% | 5,047 |
| Loan and lease loss provision to assets | 0.2849% | 5,147 |
| Net operating income to assets | 0.5678% | 3,455 |
| Return on assets (ROA) | 0.8950% | 2,264 |
| Pretax return on assets | 0.9523% | 2,751 |
| Return on Equity (ROE) | 9.9647% | 1,704 |
| Retained earnings to average equity (ytd only) | 5.5572% | 1,550 |
| Net charge-offs to loans | 0.4629% | 3,932 |
| Credit loss provision to net charge-offs | 108.7591% | 5,085 |
| Earnings coverage of net charge-offs (x) | 3.3942% | 3,365 |
| Efficiency ratio | 75.7686% | 3,564 |
| Assets per employee ($millions) | 2.5697% | 7,088 |
| Cash dividends to net income (ytd only)* | 44.2308% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 4,819 |
| Loan loss allowance to noncurrent loans | 63.7658% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 1.8235% | 3,637 |
| Noncurrent loans to loans | 2.0241% | 3,617 |
| Net loans and leases to total assets | 57.1132% | 5,799 |
| Net loans and leases to deposits | 63.1350% | 6,352 |
| Net loans and leases to core deposits | 89.7443% | 5,159 |
| Total domestic deposits to total assets | 90.4620% | 755 |
| Equity capital to assets | 8.5948% | 5,735 |
| Core capital (leverage) ratio | 8.5069% | 5,273 |
| Tier 1 risk-based capital ratio | 14.4887% | 3,215 |
| Total risk-based capital ratio | 15.7388% | 3,167 |
| Memoranda: | ||
| Average total assets | $52,292,800 | 6,623 |
| Average earning assets | $45,740,800 | 6,691 |
| Average equity | $4,696,600 | 7,051 |
| Average total loans | $29,593,000 | 6,649 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3172% | 1,097 |
| Cost of funding earning assets | 2.7850% | 621 |
| Net interest margin | 3.5322% | 4,734 |
| Noninterest income to average assets | 0.8071% | 2,390 |
| Noninterest expense to average assets | 2.7039% | 5,309 |
| Loan and lease loss provision to assets | 0.1773% | 5,589 |
| Net operating income to assets | 0.9471% | 2,242 |
| Return on assets (ROA) | 1.0692% | 1,881 |
| Pretax return on assets | 1.1283% | 2,478 |
| Return on Equity (ROE) | 11.7729% | 1,428 |
| Retained earnings to average equity (ytd only) | 11.7729% | 372 |
| Net charge-offs to loans | 0.5528% | 3,027 |
| Credit loss provision to net charge-offs | 57.0248% | 6,217 |
| Earnings coverage of net charge-offs (x) | 3.7851% | 3,387 |
| Efficiency ratio | 69.6689% | 4,654 |
| Assets per employee ($millions) | 2.5144% | 7,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0728% | 5,881 |
| Loan loss allowance to noncurrent loans | 80.5226% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 1.4639% | 4,181 |
| Noncurrent loans to loans | 1.3323% | 4,708 |
| Net loans and leases to total assets | 59.2012% | 5,713 |
| Net loans and leases to deposits | 65.5470% | 6,349 |
| Net loans and leases to core deposits | 95.3630% | 4,886 |
| Total domestic deposits to total assets | 90.3187% | 657 |
| Equity capital to assets | 9.1643% | 5,230 |
| Core capital (leverage) ratio | 9.1096% | 4,477 |
| Tier 1 risk-based capital ratio | 15.1120% | 2,993 |
| Total risk-based capital ratio | 16.1953% | 3,000 |
| Memoranda: | ||
| Average total assets | $51,875,250 | 6,692 |
| Average earning assets | $45,145,250 | 6,769 |
| Average equity | $4,711,250 | 7,105 |
| Average total loans | $29,185,500 | 6,727 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4347% | 929 |
| Cost of funding earning assets | 2.9138% | 589 |
| Net interest margin | 3.5209% | 4,698 |
| Noninterest income to average assets | 0.8261% | 2,291 |
| Noninterest expense to average assets | 2.7227% | 5,295 |
| Loan and lease loss provision to assets | 0.1629% | 5,435 |
| Net operating income to assets | 0.8909% | 2,489 |
| Return on assets (ROA) | 0.6050% | 3,764 |
| Pretax return on assets | 0.6632% | 4,122 |
| Return on Equity (ROE) | 6.6828% | 3,343 |
| Retained earnings to average equity (ytd only) | 6.6828% | 1,703 |
| Net charge-offs to loans | 0.6060% | 2,527 |
| Credit loss provision to net charge-offs | 48.8372% | 5,786 |
| Earnings coverage of net charge-offs (x) | 3.4186% | 3,443 |
| Efficiency ratio | 70.4819% | 4,684 |
| Assets per employee ($millions) | 2.4882% | 7,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1375% | 5,344 |
| Loan loss allowance to noncurrent loans | 66.9884% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 1.6478% | 3,735 |
| Noncurrent loans to loans | 1.6980% | 3,961 |
| Net loans and leases to total assets | 57.7184% | 6,006 |
| Net loans and leases to deposits | 63.7624% | 6,585 |
| Net loans and leases to core deposits | 92.9686% | 5,238 |
| Total domestic deposits to total assets | 90.5209% | 620 |
| Equity capital to assets | 8.9394% | 5,399 |
| Core capital (leverage) ratio | 8.5707% | 5,314 |
| Tier 1 risk-based capital ratio | 14.7867% | 3,107 |
| Total risk-based capital ratio | 15.9379% | 3,093 |
| Memoranda: | ||
| Average total assets | $51,566,000 | 6,769 |
| Average earning assets | $44,477,670 | 6,862 |
| Average equity | $4,668,670 | 7,188 |
| Average total loans | $28,381,000 | 6,825 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4595% | 937 |
| Cost of funding earning assets | 2.9662% | 656 |
| Net interest margin | 3.4933% | 4,759 |
| Noninterest income to average assets | 0.9683% | 1,575 |
| Noninterest expense to average assets | 2.7175% | 4,922 |
| Loan and lease loss provision to assets | 0.1640% | 4,834 |
| Net operating income to assets | 1.0780% | 2,038 |
| Return on assets (ROA) | 1.0854% | 2,142 |
| Pretax return on assets | 1.1479% | 2,807 |
| Return on Equity (ROE) | 11.9122% | 1,689 |
| Retained earnings to average equity (ytd only) | 11.9122% | 805 |
| Net charge-offs to loans | 0.3075% | 2,877 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 7.9524% | 2,265 |
| Efficiency ratio | 67.5728% | 5,042 |
| Assets per employee ($millions) | 2.4425% | 7,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4195% | 3,396 |
| Loan loss allowance to noncurrent loans | 61.3815% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 1.4310% | 3,790 |
| Noncurrent loans to loans | 2.3126% | 2,840 |
| Net loans and leases to total assets | 52.9400% | 6,584 |
| Net loans and leases to deposits | 58.6581% | 6,994 |
| Net loans and leases to core deposits | 83.3738% | 6,106 |
| Total domestic deposits to total assets | 90.2519% | 695 |
| Equity capital to assets | 9.1808% | 5,109 |
| Core capital (leverage) ratio | 8.6905% | 5,169 |
| Tier 1 risk-based capital ratio | 15.7642% | 2,767 |
| Total risk-based capital ratio | 17.0157% | 2,703 |
| Memoranda: | ||
| Average total assets | $51,223,000 | 6,809 |
| Average earning assets | $44,771,000 | 6,886 |
| Average equity | $4,667,500 | 7,234 |
| Average total loans | $27,318,500 | 6,920 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9610% | 1,230 |
| Cost of funding earning assets | 3.6157% | 365 |
| Net interest margin | 3.3453% | 5,883 |
| Noninterest income to average assets | 0.7932% | 2,557 |
| Noninterest expense to average assets | 2.7414% | 5,086 |
| Loan and lease loss provision to assets | 0.1625% | 5,301 |
| Net operating income to assets | 0.8718% | 3,126 |
| Return on assets (ROA) | 0.9209% | 2,763 |
| Pretax return on assets | 0.9809% | 3,448 |
| Return on Equity (ROE) | 11.0354% | 1,892 |
| Retained earnings to average equity (ytd only) | 5.8191% | 1,608 |
| Net charge-offs to loans | 0.1959% | 4,232 |
| Credit loss provision to net charge-offs | 152.7273% | 3,428 |
| Earnings coverage of net charge-offs (x) | 10.2545% | 2,549 |
| Efficiency ratio | 71.5295% | 4,029 |
| Assets per employee ($millions) | 2.4359% | 7,335 |
| Cash dividends to net income (ytd only)* | 47.2689% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4432% | 2,960 |
| Loan loss allowance to noncurrent loans | 78.9899% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 1.1573% | 3,955 |
| Noncurrent loans to loans | 1.8271% | 3,020 |
| Net loans and leases to total assets | 52.1973% | 6,831 |
| Net loans and leases to deposits | 57.8182% | 7,215 |
| Net loans and leases to core deposits | 84.6844% | 6,234 |
| Total domestic deposits to total assets | 90.2784% | 556 |
| Equity capital to assets | 9.0433% | 5,319 |
| Core capital (leverage) ratio | 8.3966% | 5,772 |
| Tier 1 risk-based capital ratio | 15.3242% | 2,912 |
| Total risk-based capital ratio | 16.5774% | 2,844 |
| Memoranda: | ||
| Average total assets | $51,688,400 | 6,706 |
| Average earning assets | $46,961,400 | 6,716 |
| Average equity | $4,313,400 | 7,385 |
| Average total loans | $28,069,600 | 6,840 |