Home > Columbus Savings Bank > Performance and Condition Ratios
Columbus Savings Bank, Performance and Condition Ratios
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7805% | 4,876 |
| Cost of funding earning assets | 0.7589% | 1,448 |
| Net interest margin | 3.0217% | 5,525 |
| Noninterest income to average assets | 0.0131% | 6,624 |
| Noninterest expense to average assets | 4.0867% | 788 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.8593% | 6,580 |
| Return on assets (ROA) | -0.8593% | 6,581 |
| Pretax return on assets | -1.2267% | 6,635 |
| Return on Equity (ROE) | -3.5916% | 6,449 |
| Retained earnings to average equity (ytd only) | -3.5916% | 6,301 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.8899% | 76 |
| Assets per employee ($millions) | 3.4828% | 4,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1752% | 6,718 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 32.7184% | 6,354 |
| Net loans and leases to deposits | 43.2571% | 6,158 |
| Net loans and leases to core deposits | 54.4109% | 5,645 |
| Total domestic deposits to total assets | 75.6371% | 6,122 |
| Equity capital to assets | 24.1548% | 110 |
| Core capital (leverage) ratio | 24.6328% | 93 |
| Tier 1 risk-based capital ratio | 84.2523% | 58 |
| Total risk-based capital ratio | 84.4393% | 59 |
| Memoranda: | ||
| Average total assets | $15,244,400 | 6,761 |
| Average earning assets | $14,363,000 | 6,744 |
| Average equity | $3,647,400 | 6,406 |
| Average total loans | $5,075,800 | 6,735 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7739% | 4,947 |
| Cost of funding earning assets | 0.7439% | 1,641 |
| Net interest margin | 3.0300% | 5,520 |
| Noninterest income to average assets | 0.0171% | 6,700 |
| Noninterest expense to average assets | 4.1011% | 766 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.8990% | 6,693 |
| Return on assets (ROA) | -0.8990% | 6,698 |
| Pretax return on assets | -1.2244% | 6,725 |
| Return on Equity (ROE) | -3.7655% | 6,561 |
| Retained earnings to average equity (ytd only) | -3.7655% | 6,423 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.5595% | 91 |
| Assets per employee ($millions) | 3.6600% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1721% | 6,800 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 31.7008% | 6,468 |
| Net loans and leases to deposits | 41.9469% | 6,310 |
| Net loans and leases to core deposits | 52.0467% | 5,887 |
| Total domestic deposits to total assets | 75.5738% | 6,213 |
| Equity capital to assets | 23.8661% | 110 |
| Core capital (leverage) ratio | 24.4119% | 93 |
| Tier 1 risk-based capital ratio | 82.0976% | 57 |
| Total risk-based capital ratio | 82.2785% | 58 |
| Memoranda: | ||
| Average total assets | $15,572,750 | 6,836 |
| Average earning assets | $14,697,000 | 6,820 |
| Average equity | $3,718,000 | 6,463 |
| Average total loans | $5,203,250 | 6,808 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8412% | 4,683 |
| Cost of funding earning assets | 0.7336% | 1,815 |
| Net interest margin | 3.1076% | 5,251 |
| Noninterest income to average assets | 0.0000% | 6,784 |
| Noninterest expense to average assets | 4.1678% | 726 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -1.0577% | 6,766 |
| Return on assets (ROA) | -1.0577% | 6,768 |
| Pretax return on assets | -1.2340% | 6,773 |
| Return on Equity (ROE) | -4.4296% | 6,625 |
| Retained earnings to average equity (ytd only) | -4.4296% | 6,423 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.0601% | 92 |
| Assets per employee ($millions) | 3.7263% | 4,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1541% | 6,850 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 34.7803% | 6,376 |
| Net loans and leases to deposits | 46.0964% | 6,098 |
| Net loans and leases to core deposits | 56.8795% | 5,534 |
| Total domestic deposits to total assets | 75.4512% | 6,317 |
| Equity capital to assets | 23.7102% | 104 |
| Core capital (leverage) ratio | 24.4464% | 88 |
| Tier 1 risk-based capital ratio | 78.8690% | 58 |
| Total risk-based capital ratio | 79.0417% | 59 |
| Memoranda: | ||
| Average total assets | $15,883,670 | 6,880 |
| Average earning assets | $14,995,330 | 6,865 |
| Average equity | $3,792,670 | 6,498 |
| Average total loans | $5,388,000 | 6,850 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8690% | 4,592 |
| Cost of funding earning assets | 0.7222% | 2,047 |
| Net interest margin | 3.1468% | 5,110 |
| Noninterest income to average assets | 0.0000% | 6,849 |
| Noninterest expense to average assets | 3.5668% | 1,478 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.5130% | 6,677 |
| Return on assets (ROA) | -0.5130% | 6,702 |
| Pretax return on assets | -0.5863% | 6,699 |
| Return on Equity (ROE) | -2.1418% | 6,565 |
| Retained earnings to average equity (ytd only) | -2.1418% | 6,091 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.6721% | 221 |
| Assets per employee ($millions) | 3.8088% | 4,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1511% | 6,927 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 34.7096% | 6,380 |
| Net loans and leases to deposits | 47.7256% | 5,942 |
| Net loans and leases to core deposits | 58.9915% | 5,248 |
| Total domestic deposits to total assets | 72.7273% | 6,621 |
| Equity capital to assets | 25.4217% | 93 |
| Core capital (leverage) ratio | 23.2745% | 107 |
| Tier 1 risk-based capital ratio | 80.6949% | 62 |
| Total risk-based capital ratio | 80.8686% | 62 |
| Memoranda: | ||
| Average total assets | $16,373,000 | 6,949 |
| Average earning assets | $15,508,000 | 6,927 |
| Average equity | $3,922,000 | 6,536 |
| Average total loans | $5,486,000 | 6,921 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0345% | 5,212 |
| Cost of funding earning assets | 0.7774% | 2,849 |
| Net interest margin | 3.2571% | 5,408 |
| Noninterest income to average assets | 0.0054% | 6,807 |
| Noninterest expense to average assets | 3.5147% | 1,781 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.2949% | 6,434 |
| Return on assets (ROA) | 0.3574% | 5,490 |
| Pretax return on assets | 0.4928% | 5,300 |
| Return on Equity (ROE) | 1.6542% | 5,988 |
| Retained earnings to average equity (ytd only) | 1.6542% | 5,031 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.8696% | 292 |
| Assets per employee ($millions) | 4.3778% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1409% | 6,978 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 32.3682% | 6,612 |
| Net loans and leases to deposits | 49.8768% | 5,965 |
| Net loans and leases to core deposits | 61.1963% | 5,250 |
| Total domestic deposits to total assets | 64.8964% | 6,918 |
| Equity capital to assets | 22.6772% | 133 |
| Core capital (leverage) ratio | 22.0381% | 133 |
| Tier 1 risk-based capital ratio | 71.7274% | 73 |
| Total risk-based capital ratio | 71.8810% | 75 |
| Memoranda: | ||
| Average total assets | $18,465,200 | 6,979 |
| Average earning assets | $17,623,200 | 6,940 |
| Average equity | $3,989,800 | 6,570 |
| Average total loans | $5,954,800 | 6,980 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1241% | 5,100 |
| Cost of funding earning assets | 0.7905% | 3,023 |
| Net interest margin | 3.3336% | 5,268 |
| Noninterest income to average assets | 0.0071% | 6,913 |
| Noninterest expense to average assets | 3.5571% | 1,637 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.2677% | 6,548 |
| Return on assets (ROA) | 0.4348% | 5,335 |
| Pretax return on assets | 0.5988% | 5,171 |
| Return on Equity (ROE) | 2.0360% | 6,013 |
| Retained earnings to average equity (ytd only) | 2.0360% | 5,306 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.3839% | 284 |
| Assets per employee ($millions) | 4.3218% | 3,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1379% | 7,093 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 33.5049% | 6,680 |
| Net loans and leases to deposits | 47.6708% | 6,279 |
| Net loans and leases to core deposits | 61.6761% | 5,389 |
| Total domestic deposits to total assets | 70.2840% | 6,826 |
| Equity capital to assets | 23.5379% | 129 |
| Core capital (leverage) ratio | 21.4163% | 156 |
| Tier 1 risk-based capital ratio | 71.6315% | 73 |
| Total risk-based capital ratio | 71.7850% | 73 |
| Memoranda: | ||
| Average total assets | $18,703,750 | 7,071 |
| Average earning assets | $17,878,250 | 7,034 |
| Average equity | $3,994,500 | 6,647 |
| Average total loans | $6,024,500 | 7,070 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1430% | 5,157 |
| Cost of funding earning assets | 0.7850% | 3,320 |
| Net interest margin | 3.3580% | 5,238 |
| Noninterest income to average assets | 0.0000% | 6,985 |
| Noninterest expense to average assets | 3.2541% | 2,428 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.0325% | 6,363 |
| Return on assets (ROA) | 0.5006% | 5,072 |
| Pretax return on assets | 0.6988% | 4,833 |
| Return on Equity (ROE) | 2.4183% | 5,911 |
| Retained earnings to average equity (ytd only) | 2.4183% | 4,983 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2987% | 515 |
| Assets per employee ($millions) | 3.6736% | 4,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1335% | 7,160 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 32.5893% | 6,787 |
| Net loans and leases to deposits | 49.1987% | 6,227 |
| Net loans and leases to core deposits | 63.4917% | 5,262 |
| Total domestic deposits to total assets | 66.2402% | 7,040 |
| Equity capital to assets | 21.7770% | 167 |
| Core capital (leverage) ratio | 20.3402% | 190 |
| Tier 1 risk-based capital ratio | 67.6551% | 77 |
| Total risk-based capital ratio | 67.8006% | 80 |
| Memoranda: | ||
| Average total assets | $19,176,000 | 7,121 |
| Average earning assets | $18,344,000 | 7,083 |
| Average equity | $3,969,670 | 6,689 |
| Average total loans | $6,099,330 | 7,127 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2215% | 5,030 |
| Cost of funding earning assets | 0.8102% | 3,390 |
| Net interest margin | 3.4113% | 5,076 |
| Noninterest income to average assets | 0.0000% | 7,087 |
| Noninterest expense to average assets | 3.0644% | 3,040 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1681% | 6,068 |
| Return on assets (ROA) | 0.4494% | 5,230 |
| Pretax return on assets | 0.5516% | 5,275 |
| Return on Equity (ROE) | 2.2253% | 6,000 |
| Retained earnings to average equity (ytd only) | 2.2253% | 5,150 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7500% | 835 |
| Assets per employee ($millions) | 4.7470% | 2,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1311% | 7,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 32.0940% | 6,826 |
| Net loans and leases to deposits | 50.2930% | 6,118 |
| Net loans and leases to core deposits | 64.5482% | 5,055 |
| Total domestic deposits to total assets | 63.8140% | 7,144 |
| Equity capital to assets | 20.7921% | 196 |
| Core capital (leverage) ratio | 19.9665% | 207 |
| Tier 1 risk-based capital ratio | 65.5834% | 79 |
| Total risk-based capital ratio | 65.7254% | 81 |
| Memoranda: | ||
| Average total assets | $19,580,000 | 7,174 |
| Average earning assets | $18,761,000 | 7,136 |
| Average equity | $3,954,500 | 6,730 |
| Average total loans | $6,152,000 | 7,186 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5797% | 4,754 |
| Cost of funding earning assets | 0.9149% | 4,009 |
| Net interest margin | 3.6648% | 4,453 |
| Noninterest income to average assets | 0.0097% | 6,954 |
| Noninterest expense to average assets | 3.2788% | 2,591 |
| Loan and lease loss provision to assets | 0.0049% | 6,460 |
| Net operating income to assets | 0.1653% | 5,690 |
| Return on assets (ROA) | 0.3929% | 5,066 |
| Pretax return on assets | 0.5723% | 4,774 |
| Return on Equity (ROE) | 2.1718% | 5,599 |
| Retained earnings to average equity (ytd only) | 2.1718% | 4,670 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9849% | 983 |
| Assets per employee ($millions) | 4.0344% | 3,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1290% | 7,274 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 30.7059% | 6,984 |
| Net loans and leases to deposits | 48.6873% | 6,449 |
| Net loans and leases to core deposits | 63.2816% | 5,537 |
| Total domestic deposits to total assets | 63.0676% | 7,190 |
| Equity capital to assets | 19.6361% | 248 |
| Core capital (leverage) ratio | 19.0989% | 240 |
| Tier 1 risk-based capital ratio | 61.9892% | 88 |
| Total risk-based capital ratio | 62.1243% | 92 |
| Memoranda: | ||
| Average total assets | $20,617,600 | 7,197 |
| Average earning assets | $19,782,800 | 7,143 |
| Average equity | $3,729,600 | 6,821 |
| Average total loans | $6,274,200 | 7,237 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6476% | 4,687 |
| Cost of funding earning assets | 0.9456% | 4,074 |
| Net interest margin | 3.7019% | 4,321 |
| Noninterest income to average assets | 0.0064% | 7,086 |
| Noninterest expense to average assets | 3.3575% | 2,320 |
| Loan and lease loss provision to assets | 0.0064% | 6,346 |
| Net operating income to assets | 0.1294% | 5,889 |
| Return on assets (ROA) | 0.4181% | 5,109 |
| Pretax return on assets | 0.6303% | 4,713 |
| Return on Equity (ROE) | 2.3602% | 5,660 |
| Retained earnings to average equity (ytd only) | 2.3602% | 4,937 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3942% | 899 |
| Assets per employee ($millions) | 3.9734% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1270% | 7,349 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 31.6706% | 7,033 |
| Net loans and leases to deposits | 49.2062% | 6,543 |
| Net loans and leases to core deposits | 64.3222% | 5,584 |
| Total domestic deposits to total assets | 64.3630% | 7,243 |
| Equity capital to assets | 19.8218% | 251 |
| Core capital (leverage) ratio | 18.6024% | 281 |
| Tier 1 risk-based capital ratio | 62.1387% | 103 |
| Total risk-based capital ratio | 62.2747% | 104 |
| Memoranda: | ||
| Average total assets | $20,729,000 | 7,266 |
| Average earning assets | $19,881,000 | 7,216 |
| Average equity | $3,671,750 | 6,890 |
| Average total loans | $6,292,250 | 7,307 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6770% | 4,635 |
| Cost of funding earning assets | 0.9810% | 4,080 |
| Net interest margin | 3.6961% | 4,283 |
| Noninterest income to average assets | 0.0095% | 7,167 |
| Noninterest expense to average assets | 3.2736% | 2,656 |
| Loan and lease loss provision to assets | 0.0095% | 6,144 |
| Net operating income to assets | 0.1799% | 5,806 |
| Return on assets (ROA) | 0.5139% | 4,582 |
| Pretax return on assets | 0.7899% | 4,069 |
| Return on Equity (ROE) | 3.0142% | 5,385 |
| Retained earnings to average equity (ytd only) | 3.0142% | 4,359 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9786% | 1,098 |
| Assets per employee ($millions) | 4.1462% | 3,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1247% | 7,417 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 30.9151% | 7,147 |
| Net loans and leases to deposits | 49.3304% | 6,649 |
| Net loans and leases to core deposits | 64.0324% | 5,716 |
| Total domestic deposits to total assets | 62.6694% | 7,336 |
| Equity capital to assets | 17.8911% | 388 |
| Core capital (leverage) ratio | 17.6448% | 360 |
| Tier 1 risk-based capital ratio | 58.7079% | 112 |
| Total risk-based capital ratio | 58.8368% | 115 |
| Memoranda: | ||
| Average total assets | $21,016,330 | 7,322 |
| Average earning assets | $20,183,670 | 7,284 |
| Average equity | $3,583,000 | 6,961 |
| Average total loans | $6,289,670 | 7,377 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7148% | 4,456 |
| Cost of funding earning assets | 1.0805% | 3,653 |
| Net interest margin | 3.6343% | 4,401 |
| Noninterest income to average assets | 0.0000% | 7,288 |
| Noninterest expense to average assets | 3.4406% | 2,170 |
| Loan and lease loss provision to assets | 0.0189% | 5,709 |
| Net operating income to assets | 0.0289% | 6,281 |
| Return on assets (ROA) | 0.5671% | 4,270 |
| Pretax return on assets | 0.7751% | 3,988 |
| Return on Equity (ROE) | 3.4091% | 5,190 |
| Retained earnings to average equity (ytd only) | 3.4091% | 4,147 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3784% | 815 |
| Assets per employee ($millions) | 4.2364% | 3,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1244% | 7,468 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 30.3135% | 7,220 |
| Net loans and leases to deposits | 49.2975% | 6,665 |
| Net loans and leases to core deposits | 63.7953% | 5,749 |
| Total domestic deposits to total assets | 61.4909% | 7,411 |
| Equity capital to assets | 16.6037% | 489 |
| Core capital (leverage) ratio | 17.2266% | 383 |
| Tier 1 risk-based capital ratio | 56.4743% | 118 |
| Total risk-based capital ratio | 56.5991% | 122 |
| Memoranda: | ||
| Average total assets | $21,159,000 | 7,380 |
| Average earning assets | $20,361,500 | 7,336 |
| Average equity | $3,520,000 | 7,009 |
| Average total loans | $6,226,000 | 7,441 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7674% | 5,547 |
| Cost of funding earning assets | 1.3099% | 3,818 |
| Net interest margin | 3.4575% | 5,404 |
| Noninterest income to average assets | 0.0146% | 7,232 |
| Noninterest expense to average assets | 3.2357% | 2,960 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.0257% | 5,763 |
| Return on assets (ROA) | 0.2530% | 5,252 |
| Pretax return on assets | 0.4476% | 4,802 |
| Return on Equity (ROE) | 1.3924% | 5,587 |
| Retained earnings to average equity (ytd only) | 1.3924% | 4,841 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2222% | 903 |
| Assets per employee ($millions) | 4.2272% | 3,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1162% | 7,550 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 28.4633% | 7,390 |
| Net loans and leases to deposits | 45.0468% | 7,077 |
| Net loans and leases to core deposits | 57.7074% | 6,582 |
| Total domestic deposits to total assets | 63.1860% | 7,458 |
| Equity capital to assets | 16.6682% | 497 |
| Core capital (leverage) ratio | 18.3163% | 315 |
| Tier 1 risk-based capital ratio | 57.2842% | 118 |
| Total risk-based capital ratio | 57.3959% | 118 |
| Memoranda: | ||
| Average total assets | $20,552,000 | 7,453 |
| Average earning assets | $19,696,400 | 7,407 |
| Average equity | $3,734,600 | 7,076 |
| Average total loans | $6,263,800 | 7,523 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9407% | 5,075 |
| Cost of funding earning assets | 1.3785% | 3,717 |
| Net interest margin | 3.5622% | 5,051 |
| Noninterest income to average assets | 0.0131% | 7,404 |
| Noninterest expense to average assets | 3.2604% | 2,707 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.0183% | 5,962 |
| Return on assets (ROA) | 0.1437% | 5,817 |
| Pretax return on assets | 0.3594% | 5,345 |
| Return on Equity (ROE) | 0.7744% | 5,954 |
| Retained earnings to average equity (ytd only) | 0.7744% | 5,500 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2290% | 938 |
| Assets per employee ($millions) | 4.0928% | 3,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1107% | 7,665 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 30.8542% | 7,443 |
| Net loans and leases to deposits | 46.2259% | 7,165 |
| Net loans and leases to core deposits | 58.9653% | 6,669 |
| Total domestic deposits to total assets | 66.7465% | 7,440 |
| Equity capital to assets | 18.5936% | 371 |
| Core capital (leverage) ratio | 19.0977% | 292 |
| Tier 1 risk-based capital ratio | 58.3702% | 116 |
| Total risk-based capital ratio | 58.4850% | 119 |
| Memoranda: | ||
| Average total assets | $20,406,000 | 7,552 |
| Average earning assets | $19,538,000 | 7,511 |
| Average equity | $3,787,500 | 7,152 |
| Average total loans | $6,324,000 | 7,618 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9993% | 4,943 |
| Cost of funding earning assets | 1.4885% | 3,313 |
| Net interest margin | 3.5108% | 5,205 |
| Noninterest income to average assets | 0.0098% | 7,494 |
| Noninterest expense to average assets | 3.1884% | 2,946 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.0961% | 5,875 |
| Return on assets (ROA) | 0.2845% | 5,391 |
| Pretax return on assets | 0.4709% | 4,999 |
| Return on Equity (ROE) | 1.5337% | 5,792 |
| Retained earnings to average equity (ytd only) | 1.5337% | 5,104 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7522% | 1,021 |
| Assets per employee ($millions) | 3.8422% | 4,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1127% | 7,735 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 32.2992% | 7,473 |
| Net loans and leases to deposits | 44.2487% | 7,314 |
| Net loans and leases to core deposits | 55.8959% | 6,942 |
| Total domestic deposits to total assets | 72.9946% | 7,099 |
| Equity capital to assets | 20.4154% | 267 |
| Core capital (leverage) ratio | 18.6383% | 317 |
| Tier 1 risk-based capital ratio | 61.9163% | 101 |
| Total risk-based capital ratio | 62.0378% | 103 |
| Memoranda: | ||
| Average total assets | $20,386,670 | 7,618 |
| Average earning assets | $19,482,670 | 7,575 |
| Average equity | $3,781,670 | 7,186 |
| Average total loans | $6,325,000 | 7,683 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9521% | 5,227 |
| Cost of funding earning assets | 1.5712% | 3,131 |
| Net interest margin | 3.3810% | 5,662 |
| Noninterest income to average assets | 0.0000% | 7,655 |
| Noninterest expense to average assets | 2.9941% | 3,699 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1526% | 5,848 |
| Return on assets (ROA) | 0.1526% | 5,975 |
| Pretax return on assets | 0.2479% | 5,752 |
| Return on Equity (ROE) | 0.8622% | 6,154 |
| Retained earnings to average equity (ytd only) | 0.8622% | 5,464 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3529% | 1,253 |
| Assets per employee ($millions) | 4.0778% | 3,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1119% | 7,839 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 30.6342% | 7,603 |
| Net loans and leases to deposits | 43.8932% | 7,409 |
| Net loans and leases to core deposits | 54.8520% | 7,059 |
| Total domestic deposits to total assets | 69.7925% | 7,422 |
| Equity capital to assets | 18.1912% | 405 |
| Core capital (leverage) ratio | 17.4680% | 408 |
| Tier 1 risk-based capital ratio | 58.6019% | 116 |
| Total risk-based capital ratio | 58.7176% | 118 |
| Memoranda: | ||
| Average total assets | $20,974,500 | 7,701 |
| Average earning assets | $20,112,500 | 7,646 |
| Average equity | $3,711,500 | 7,284 |
| Average total loans | $6,381,500 | 7,777 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0154% | 6,386 |
| Cost of funding earning assets | 1.7664% | 4,169 |
| Net interest margin | 3.2490% | 5,935 |
| Noninterest income to average assets | 0.0398% | 7,550 |
| Noninterest expense to average assets | 3.1471% | 3,560 |
| Loan and lease loss provision to assets | 0.0044% | 7,410 |
| Net operating income to assets | 0.0154% | 5,443 |
| Return on assets (ROA) | 0.5437% | 3,643 |
| Pretax return on assets | 0.7602% | 3,378 |
| Return on Equity (ROE) | 3.3623% | 4,352 |
| Retained earnings to average equity (ytd only) | 3.3623% | 2,817 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0264% | 1,151 |
| Assets per employee ($millions) | 4.3120% | 3,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1075% | 7,911 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 30.1623% | 7,704 |
| Net loans and leases to deposits | 46.0618% | 7,438 |
| Net loans and leases to core deposits | 91.3214% | 4,971 |
| Total domestic deposits to total assets | 65.4824% | 7,660 |
| Equity capital to assets | 17.2263% | 529 |
| Core capital (leverage) ratio | 16.7567% | 518 |
| Tier 1 risk-based capital ratio | 55.4632% | 128 |
| Total risk-based capital ratio | 55.5730% | 132 |
| Memoranda: | ||
| Average total assets | $22,624,200 | 7,713 |
| Average earning assets | $21,852,800 | 7,655 |
| Average equity | $3,658,200 | 7,400 |
| Average total loans | $6,344,400 | 7,849 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0352% | 6,496 |
| Cost of funding earning assets | 1.7828% | 4,463 |
| Net interest margin | 3.2524% | 5,823 |
| Noninterest income to average assets | 0.0466% | 7,666 |
| Noninterest expense to average assets | 3.0813% | 3,715 |
| Loan and lease loss provision to assets | 0.0058% | 7,259 |
| Net operating income to assets | 0.0658% | 5,564 |
| Return on assets (ROA) | 0.3611% | 4,652 |
| Pretax return on assets | 0.5591% | 4,333 |
| Return on Equity (ROE) | 2.2682% | 5,073 |
| Retained earnings to average equity (ytd only) | 2.2682% | 4,063 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5328% | 1,245 |
| Assets per employee ($millions) | 4.5580% | 2,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1057% | 8,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 29.0259% | 7,826 |
| Net loans and leases to deposits | 47.1961% | 7,532 |
| Net loans and leases to core deposits | 93.5247% | 5,070 |
| Total domestic deposits to total assets | 61.5007% | 7,835 |
| Equity capital to assets | 16.3975% | 723 |
| Core capital (leverage) ratio | 15.9284% | 690 |
| Tier 1 risk-based capital ratio | 52.5068% | 155 |
| Total risk-based capital ratio | 52.6125% | 160 |
| Memoranda: | ||
| Average total assets | $22,890,250 | 7,774 |
| Average earning assets | $22,137,000 | 7,717 |
| Average equity | $3,644,250 | 7,463 |
| Average total loans | $6,303,000 | 7,929 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1310% | 6,316 |
| Cost of funding earning assets | 1.7855% | 4,831 |
| Net interest margin | 3.3455% | 5,383 |
| Noninterest income to average assets | 0.0611% | 7,683 |
| Noninterest expense to average assets | 3.0536% | 3,868 |
| Loan and lease loss provision to assets | 0.0087% | 7,114 |
| Net operating income to assets | 0.1420% | 5,445 |
| Return on assets (ROA) | 0.5497% | 4,002 |
| Pretax return on assets | 0.8725% | 3,434 |
| Return on Equity (ROE) | 3.4871% | 4,718 |
| Retained earnings to average equity (ytd only) | 3.4871% | 3,372 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5926% | 1,599 |
| Assets per employee ($millions) | 4.5134% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1040% | 8,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 29.8046% | 7,890 |
| Net loans and leases to deposits | 48.1840% | 7,558 |
| Net loans and leases to core deposits | 95.3637% | 4,970 |
| Total domestic deposits to total assets | 61.8558% | 7,896 |
| Equity capital to assets | 15.8284% | 856 |
| Core capital (leverage) ratio | 16.2319% | 714 |
| Tier 1 risk-based capital ratio | 51.5641% | 177 |
| Total risk-based capital ratio | 51.6679% | 179 |
| Memoranda: | ||
| Average total assets | $22,923,670 | 7,853 |
| Average earning assets | $22,179,000 | 7,784 |
| Average equity | $3,613,330 | 7,536 |
| Average total loans | $6,196,670 | 8,020 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3157% | 5,823 |
| Cost of funding earning assets | 1.8016% | 5,107 |
| Net interest margin | 3.5141% | 4,671 |
| Noninterest income to average assets | 0.0173% | 7,990 |
| Noninterest expense to average assets | 3.1339% | 3,250 |
| Loan and lease loss provision to assets | 0.0173% | 6,654 |
| Net operating income to assets | 0.1780% | 5,724 |
| Return on assets (ROA) | 0.9869% | 2,504 |
| Pretax return on assets | 1.5410% | 1,561 |
| Return on Equity (ROE) | 6.2741% | 3,919 |
| Retained earnings to average equity (ytd only) | 6.2741% | 2,508 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4141% | 1,623 |
| Assets per employee ($millions) | 4.5444% | 2,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1083% | 8,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 28.4174% | 7,951 |
| Net loans and leases to deposits | 47.0113% | 7,623 |
| Net loans and leases to core deposits | 90.1061% | 5,542 |
| Total domestic deposits to total assets | 60.4480% | 7,956 |
| Equity capital to assets | 16.1605% | 846 |
| Core capital (leverage) ratio | 15.5828% | 850 |
| Tier 1 risk-based capital ratio | 52.5026% | 181 |
| Total risk-based capital ratio | 52.6085% | 189 |
| Memoranda: | ||
| Average total assets | $23,102,000 | 7,898 |
| Average earning assets | $22,424,000 | 7,826 |
| Average equity | $3,634,000 | 7,581 |
| Average total loans | $5,928,500 | 8,084 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3849% | 7,482 |
| Cost of funding earning assets | 2.4581% | 4,436 |
| Net interest margin | 2.9267% | 7,089 |
| Noninterest income to average assets | 0.0085% | 8,075 |
| Noninterest expense to average assets | 2.6643% | 5,400 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1249% | 6,036 |
| Return on assets (ROA) | 0.5124% | 4,528 |
| Pretax return on assets | 0.6874% | 4,440 |
| Return on Equity (ROE) | 3.7802% | 4,900 |
| Retained earnings to average equity (ytd only) | 3.7802% | 2,778 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9759% | 1,278 |
| Assets per employee ($millions) | 4.6964% | 2,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1113% | 8,209 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 22.9410% | 8,120 |
| Net loans and leases to deposits | 39.9244% | 7,938 |
| Net loans and leases to core deposits | 73.5728% | 6,989 |
| Total domestic deposits to total assets | 57.4610% | 8,027 |
| Equity capital to assets | 15.3139% | 1,085 |
| Core capital (leverage) ratio | 14.7523% | 1,081 |
| Tier 1 risk-based capital ratio | 52.6762% | 193 |
| Total risk-based capital ratio | 52.7688% | 203 |
| Memoranda: | ||
| Average total assets | $23,420,600 | 7,895 |
| Average earning assets | $22,619,000 | 7,838 |
| Average equity | $3,174,400 | 7,778 |
| Average total loans | $5,375,800 | 8,146 |