Home > Commercial Bank of Minnesota > Performance and Condition Ratios
Commercial Bank of Minnesota, Performance and Condition Ratios
| 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 | 2.2919% | 6,753 |
| Cost of funding earning assets | 0.0837% | 6,791 |
| Net interest margin | 2.2082% | 6,643 |
| Noninterest income to average assets | 0.1466% | 6,297 |
| Noninterest expense to average assets | 1.7159% | 6,453 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3131% | 5,572 |
| Return on assets (ROA) | 0.3131% | 5,685 |
| Pretax return on assets | 0.3131% | 5,840 |
| Return on Equity (ROE) | 2.8989% | 5,641 |
| Retained earnings to average equity (ytd only) | 2.8989% | 4,590 |
| 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 | 74.4141% | 2,996 |
| Assets per employee ($millions) | 5.7505% | 1,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,828 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 5.7850% | 435 |
| Noncurrent loans to loans | 3.2763% | 1,193 |
| Net loans and leases to total assets | 66.5247% | 2,558 |
| Net loans and leases to deposits | 76.0890% | 2,957 |
| Net loans and leases to core deposits | 76.7197% | 3,534 |
| Total domestic deposits to total assets | 87.4301% | 2,449 |
| Equity capital to assets | 11.4077% | 2,373 |
| Core capital (leverage) ratio | 9.2127% | 4,818 |
| Tier 1 risk-based capital ratio | 12.2637% | 5,594 |
| Total risk-based capital ratio | 12.2637% | 6,233 |
| Memoranda: | ||
| Average total assets | $33,645,500 | 6,515 |
| Average earning assets | $28,680,000 | 6,546 |
| Average equity | $3,633,500 | 6,487 |
| Average total loans | $20,966,750 | 6,218 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3755% | 6,887 |
| Cost of funding earning assets | 0.0428% | 6,886 |
| Net interest margin | 1.3327% | 6,870 |
| Noninterest income to average assets | 0.0959% | 6,541 |
| Noninterest expense to average assets | 1.2530% | 6,814 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0360% | 6,341 |
| Return on assets (ROA) | -0.0360% | 6,394 |
| Pretax return on assets | -0.0360% | 6,384 |
| Return on Equity (ROE) | -0.3397% | 6,399 |
| Retained earnings to average equity (ytd only) | -0.3397% | 5,920 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.9557% | 398 |
| Assets per employee ($millions) | 5.6855% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,881 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,460 |
| Noncurrent assets plus other real estate owned to assets | 4.6903% | 681 |
| Noncurrent loans to loans | 1.6914% | 2,778 |
| Net loans and leases to total assets | 61.7008% | 3,351 |
| Net loans and leases to deposits | 69.6170% | 3,768 |
| Net loans and leases to core deposits | 70.1928% | 4,252 |
| Total domestic deposits to total assets | 88.6290% | 1,827 |
| Equity capital to assets | 11.1013% | 2,659 |
| Core capital (leverage) ratio | 9.3869% | 4,406 |
| Tier 1 risk-based capital ratio | 12.6417% | 5,400 |
| Total risk-based capital ratio | 12.6417% | 6,124 |
| Memoranda: | ||
| Average total assets | $33,359,670 | 6,573 |
| Average earning assets | $28,063,330 | 6,608 |
| Average equity | $3,532,670 | 6,556 |
| Average total loans | $20,304,670 | 6,286 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1723% | 3,420 |
| Cost of funding earning assets | 0.4172% | 4,935 |
| Net interest margin | 3.7551% | 2,637 |
| Noninterest income to average assets | 0.2304% | 5,812 |
| Noninterest expense to average assets | 3.3472% | 1,966 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0485% | 6,252 |
| Return on assets (ROA) | 0.0485% | 6,335 |
| Pretax return on assets | 0.0485% | 6,337 |
| Return on Equity (ROE) | 0.4698% | 6,336 |
| Retained earnings to average equity (ytd only) | 0.4698% | 5,638 |
| Net charge-offs to loans | -0.0201% | 5,710 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5714% | 612 |
| Assets per employee ($millions) | 3.7008% | 4,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9073% | 2,285 |
| Loan loss allowance to noncurrent loans | 105.8989% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 4.8038% | 771 |
| Noncurrent loans to loans | 1.8011% | 2,859 |
| Net loans and leases to total assets | 58.2130% | 3,757 |
| Net loans and leases to deposits | 64.9831% | 4,189 |
| Net loans and leases to core deposits | 65.5277% | 4,588 |
| Total domestic deposits to total assets | 89.5818% | 1,308 |
| Equity capital to assets | 10.2081% | 3,894 |
| Core capital (leverage) ratio | 8.3158% | 5,803 |
| Tier 1 risk-based capital ratio | 11.7988% | 6,027 |
| Total risk-based capital ratio | 13.0542% | 6,001 |
| Memoranda: | ||
| Average total assets | $32,983,000 | 6,646 |
| Average earning assets | $27,802,500 | 6,680 |
| Average equity | $3,405,500 | 6,640 |
| Average total loans | $19,933,000 | 6,361 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6631% | 2,743 |
| Cost of funding earning assets | 0.5478% | 4,836 |
| Net interest margin | 4.1153% | 1,942 |
| Noninterest income to average assets | -1.3598% | 7,069 |
| Noninterest expense to average assets | 3.7967% | 1,258 |
| Loan and lease loss provision to assets | 0.0086% | 5,813 |
| Net operating income to assets | -1.6884% | 6,896 |
| Return on assets (ROA) | -1.6369% | 6,900 |
| Pretax return on assets | -1.6369% | 6,883 |
| Return on Equity (ROE) | -15.7669% | 6,833 |
| Retained earnings to average equity (ytd only) | -15.7669% | 6,784 |
| Net charge-offs to loans | -0.0393% | 6,662 |
| Credit loss provision to net charge-offs | -37.5000% | 6,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 179.3522% | 55 |
| Assets per employee ($millions) | 4.0824% | 3,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8706% | 2,383 |
| Loan loss allowance to noncurrent loans | 105.3221% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 4.9022% | 802 |
| Noncurrent loans to loans | 1.7761% | 2,956 |
| Net loans and leases to total assets | 60.3938% | 3,535 |
| Net loans and leases to deposits | 68.1807% | 3,958 |
| Net loans and leases to core deposits | 68.7703% | 4,455 |
| Total domestic deposits to total assets | 88.5790% | 1,852 |
| Equity capital to assets | 10.4443% | 3,593 |
| Core capital (leverage) ratio | 8.2291% | 5,963 |
| Tier 1 risk-based capital ratio | 12.0208% | 5,776 |
| Total risk-based capital ratio | 13.2748% | 5,725 |
| Memoranda: | ||
| Average total assets | $35,004,400 | 6,627 |
| Average earning assets | $29,572,600 | 6,677 |
| Average equity | $3,634,200 | 6,656 |
| Average total loans | $20,368,000 | 6,407 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7249% | 2,690 |
| Cost of funding earning assets | 0.5567% | 5,029 |
| Net interest margin | 4.1683% | 1,835 |
| Noninterest income to average assets | -1.8731% | 7,171 |
| Noninterest expense to average assets | 3.7649% | 1,270 |
| Loan and lease loss provision to assets | 0.0112% | 5,670 |
| Net operating income to assets | -2.1428% | 7,057 |
| Return on assets (ROA) | -2.0754% | 7,057 |
| Pretax return on assets | -2.0754% | 7,042 |
| Return on Equity (ROE) | -20.0176% | 6,991 |
| Retained earnings to average equity (ytd only) | -20.0176% | 6,976 |
| Net charge-offs to loans | -0.0391% | 6,644 |
| Credit loss provision to net charge-offs | -50.0000% | 6,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 230.5046% | 26 |
| Assets per employee ($millions) | 3.4399% | 5,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8571% | 2,625 |
| Loan loss allowance to noncurrent loans | 104.7619% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 4.6542% | 980 |
| Noncurrent loans to loans | 1.7727% | 3,121 |
| Net loans and leases to total assets | 57.4581% | 4,210 |
| Net loans and leases to deposits | 64.6168% | 4,641 |
| Net loans and leases to core deposits | 66.4504% | 4,907 |
| Total domestic deposits to total assets | 88.9212% | 1,477 |
| Equity capital to assets | 9.9858% | 4,513 |
| Core capital (leverage) ratio | 7.8588% | 6,432 |
| Tier 1 risk-based capital ratio | 11.9521% | 5,964 |
| Total risk-based capital ratio | 13.2083% | 5,944 |
| Memoranda: | ||
| Average total assets | $35,590,750 | 6,700 |
| Average earning assets | $29,939,750 | 6,750 |
| Average equity | $3,690,000 | 6,724 |
| Average total loans | $20,435,000 | 6,492 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8211% | 2,424 |
| Cost of funding earning assets | 0.5676% | 5,165 |
| Net interest margin | 4.2535% | 1,594 |
| Noninterest income to average assets | 0.2390% | 5,859 |
| Noninterest expense to average assets | 6.9579% | 147 |
| Loan and lease loss provision to assets | 0.0167% | 5,458 |
| Net operating income to assets | -3.1955% | 7,162 |
| Return on assets (ROA) | -3.0955% | 7,164 |
| Pretax return on assets | -3.0955% | 7,154 |
| Return on Equity (ROE) | -29.5099% | 7,097 |
| Retained earnings to average equity (ytd only) | -29.5099% | 7,085 |
| Net charge-offs to loans | -0.0195% | 6,426 |
| Credit loss provision to net charge-offs | -150.0000% | 6,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 184.1176% | 52 |
| Assets per employee ($millions) | 3.9763% | 3,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6907% | 3,264 |
| Loan loss allowance to noncurrent loans | 5,285.7143% | 116 |
| Noncurrent assets plus other real estate owned to assets | 3.9875% | 1,283 |
| Noncurrent loans to loans | 0.0320% | 6,607 |
| Net loans and leases to total assets | 60.1168% | 3,797 |
| Net loans and leases to deposits | 66.7908% | 4,396 |
| Net loans and leases to core deposits | 69.1613% | 4,646 |
| Total domestic deposits to total assets | 90.0075% | 919 |
| Equity capital to assets | 9.5621% | 4,963 |
| Core capital (leverage) ratio | 7.7238% | 6,504 |
| Tier 1 risk-based capital ratio | 10.8976% | 6,543 |
| Total risk-based capital ratio | 12.1489% | 6,527 |
| Memoranda: | ||
| Average total assets | $35,988,000 | 6,735 |
| Average earning assets | $29,951,670 | 6,796 |
| Average equity | $3,775,000 | 6,733 |
| Average total loans | $20,533,670 | 6,539 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8506% | 2,441 |
| Cost of funding earning assets | 0.5800% | 5,286 |
| Net interest margin | 4.2707% | 1,561 |
| Noninterest income to average assets | 0.2328% | 5,959 |
| Noninterest expense to average assets | 3.6244% | 1,511 |
| Loan and lease loss provision to assets | 0.0222% | 5,057 |
| Net operating income to assets | 0.1773% | 6,050 |
| Return on assets (ROA) | 0.1773% | 6,188 |
| Pretax return on assets | 0.1773% | 6,241 |
| Return on Equity (ROE) | 1.6196% | 6,184 |
| Retained earnings to average equity (ytd only) | 1.6196% | 5,426 |
| Net charge-offs to loans | -0.0403% | 6,452 |
| Credit loss provision to net charge-offs | -100.0000% | 5,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7826% | 784 |
| Assets per employee ($millions) | 3.7203% | 4,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8707% | 2,769 |
| Loan loss allowance to noncurrent loans | 4,612.5000% | 118 |
| Noncurrent assets plus other real estate owned to assets | 5.5802% | 872 |
| Noncurrent loans to loans | 0.0406% | 6,652 |
| Net loans and leases to total assets | 52.0281% | 5,025 |
| Net loans and leases to deposits | 58.4897% | 5,326 |
| Net loans and leases to core deposits | 60.5064% | 5,485 |
| Total domestic deposits to total assets | 88.9525% | 1,723 |
| Equity capital to assets | 10.6470% | 3,323 |
| Core capital (leverage) ratio | 9.2140% | 4,491 |
| Tier 1 risk-based capital ratio | 13.7967% | 4,615 |
| Total risk-based capital ratio | 15.0487% | 4,595 |
| Memoranda: | ||
| Average total assets | $36,088,500 | 6,792 |
| Average earning assets | $30,346,500 | 6,834 |
| Average equity | $3,951,500 | 6,732 |
| Average total loans | $19,858,500 | 6,619 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3684% | 1,502 |
| Cost of funding earning assets | 0.7375% | 5,290 |
| Net interest margin | 4.6308% | 864 |
| Noninterest income to average assets | 0.3454% | 5,044 |
| Noninterest expense to average assets | 3.6208% | 1,701 |
| Loan and lease loss provision to assets | 0.1189% | 5,116 |
| Net operating income to assets | 0.6228% | 3,871 |
| Return on assets (ROA) | 0.7247% | 3,541 |
| Pretax return on assets | 0.7247% | 4,239 |
| Return on Equity (ROE) | 6.6587% | 3,559 |
| Retained earnings to average equity (ytd only) | -1.4566% | 6,084 |
| Net charge-offs to loans | -0.0377% | 7,023 |
| Credit loss provision to net charge-offs | -525.0000% | 6,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9981% | 1,886 |
| Assets per employee ($millions) | 3.4974% | 5,017 |
| Cash dividends to net income (ytd only)* | 121.8750% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8257% | 2,785 |
| Loan loss allowance to noncurrent loans | 92.4051% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 5.5641% | 916 |
| Noncurrent loans to loans | 1.9758% | 3,238 |
| Net loans and leases to total assets | 56.1188% | 4,677 |
| Net loans and leases to deposits | 63.3456% | 5,084 |
| Net loans and leases to core deposits | 65.6839% | 5,289 |
| Total domestic deposits to total assets | 88.5915% | 1,787 |
| Equity capital to assets | 11.2712% | 2,720 |
| Core capital (leverage) ratio | 9.1723% | 4,506 |
| Tier 1 risk-based capital ratio | 13.5016% | 4,693 |
| Total risk-based capital ratio | 14.7536% | 4,657 |
| Memoranda: | ||
| Average total assets | $35,324,000 | 6,818 |
| Average earning assets | $30,642,400 | 6,848 |
| Average equity | $3,844,600 | 6,792 |
| Average total loans | $21,202,000 | 6,597 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4661% | 1,350 |
| Cost of funding earning assets | 0.7530% | 5,454 |
| Net interest margin | 4.7130% | 742 |
| Noninterest income to average assets | 0.3841% | 4,778 |
| Noninterest expense to average assets | 3.4753% | 2,004 |
| Loan and lease loss provision to assets | 0.1581% | 4,488 |
| Net operating income to assets | 0.8509% | 2,937 |
| Return on assets (ROA) | 0.8509% | 3,089 |
| Pretax return on assets | 0.8509% | 3,949 |
| Return on Equity (ROE) | 7.8877% | 3,086 |
| Retained earnings to average equity (ytd only) | -3.0014% | 6,420 |
| Net charge-offs to loans | -0.0372% | 7,001 |
| Credit loss provision to net charge-offs | -700.0000% | 6,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4979% | 2,609 |
| Assets per employee ($millions) | 3.6595% | 4,614 |
| Cash dividends to net income (ytd only)* | 138.0513% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7524% | 3,096 |
| Loan loss allowance to noncurrent loans | 92.3664% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 5.1619% | 1,113 |
| Noncurrent loans to loans | 1.8973% | 3,506 |
| Net loans and leases to total assets | 55.6114% | 4,900 |
| Net loans and leases to deposits | 62.4340% | 5,352 |
| Net loans and leases to core deposits | 65.6526% | 5,451 |
| Total domestic deposits to total assets | 89.0723% | 1,390 |
| Equity capital to assets | 10.7638% | 3,406 |
| Core capital (leverage) ratio | 9.1616% | 4,690 |
| Tier 1 risk-based capital ratio | 13.2216% | 4,932 |
| Total risk-based capital ratio | 14.4754% | 4,903 |
| Memoranda: | ||
| Average total assets | $35,411,500 | 6,879 |
| Average earning assets | $30,807,250 | 6,911 |
| Average equity | $3,820,250 | 6,854 |
| Average total loans | $21,504,500 | 6,645 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5004% | 1,293 |
| Cost of funding earning assets | 0.7886% | 5,453 |
| Net interest margin | 4.7118% | 705 |
| Noninterest income to average assets | 0.2513% | 5,851 |
| Noninterest expense to average assets | 3.4897% | 2,006 |
| Loan and lease loss provision to assets | 0.2056% | 3,865 |
| Net operating income to assets | 0.6511% | 3,792 |
| Return on assets (ROA) | 0.6511% | 3,917 |
| Pretax return on assets | 0.6511% | 4,572 |
| Return on Equity (ROE) | 6.0307% | 3,953 |
| Retained earnings to average equity (ytd only) | -7.1945% | 6,727 |
| Net charge-offs to loans | -0.0368% | 6,970 |
| Credit loss provision to net charge-offs | -900.0000% | 6,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2891% | 2,343 |
| Assets per employee ($millions) | 3.9349% | 3,910 |
| Cash dividends to net income (ytd only)* | 219.2982% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6344% | 3,565 |
| Loan loss allowance to noncurrent loans | 88.9724% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 5.3510% | 1,117 |
| Noncurrent loans to loans | 1.8370% | 3,698 |
| Net loans and leases to total assets | 60.3292% | 4,210 |
| Net loans and leases to deposits | 67.8362% | 4,732 |
| Net loans and leases to core deposits | 72.8162% | 4,733 |
| Total domestic deposits to total assets | 88.9338% | 1,576 |
| Equity capital to assets | 10.9025% | 3,061 |
| Core capital (leverage) ratio | 9.0639% | 4,621 |
| Tier 1 risk-based capital ratio | 12.8369% | 5,060 |
| Total risk-based capital ratio | 14.0895% | 5,036 |
| Memoranda: | ||
| Average total assets | $35,017,000 | 6,955 |
| Average earning assets | $30,434,000 | 6,982 |
| Average equity | $3,780,670 | 6,908 |
| Average total loans | $21,768,000 | 6,699 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3960% | 1,572 |
| Cost of funding earning assets | 0.8251% | 5,429 |
| Net interest margin | 4.5709% | 918 |
| Noninterest income to average assets | 0.2527% | 5,876 |
| Noninterest expense to average assets | 3.5498% | 1,877 |
| Loan and lease loss provision to assets | 0.2183% | 3,470 |
| Net operating income to assets | 0.4940% | 4,510 |
| Return on assets (ROA) | 0.4940% | 4,595 |
| Pretax return on assets | 0.4940% | 5,048 |
| Return on Equity (ROE) | 4.5983% | 4,600 |
| Retained earnings to average equity (ytd only) | -22.1361% | 7,196 |
| Net charge-offs to loans | -0.0367% | 6,779 |
| Credit loss provision to net charge-offs | -950.0000% | 6,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2884% | 2,043 |
| Assets per employee ($millions) | 3.9048% | 4,064 |
| Cash dividends to net income (ytd only)* | 581.3953% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5284% | 4,060 |
| Loan loss allowance to noncurrent loans | 82.7586% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 5.5829% | 1,069 |
| Noncurrent loans to loans | 1.8468% | 3,759 |
| Net loans and leases to total assets | 61.5997% | 3,949 |
| Net loans and leases to deposits | 68.8309% | 4,548 |
| Net loans and leases to core deposits | 73.8890% | 4,544 |
| Total domestic deposits to total assets | 89.4944% | 1,484 |
| Equity capital to assets | 10.3548% | 3,345 |
| Core capital (leverage) ratio | 8.7460% | 5,003 |
| Tier 1 risk-based capital ratio | 12.4449% | 5,312 |
| Total risk-based capital ratio | 13.6946% | 5,291 |
| Memoranda: | ||
| Average total assets | $34,818,500 | 7,017 |
| Average earning assets | $30,541,000 | 7,031 |
| Average equity | $3,740,500 | 6,949 |
| Average total loans | $21,792,000 | 6,750 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5466% | 2,093 |
| Cost of funding earning assets | 0.9921% | 5,729 |
| Net interest margin | 4.5544% | 1,124 |
| Noninterest income to average assets | 0.5329% | 3,934 |
| Noninterest expense to average assets | 3.5766% | 1,985 |
| Loan and lease loss provision to assets | 0.2517% | 4,782 |
| Net operating income to assets | 0.7550% | 2,980 |
| Return on assets (ROA) | 0.7935% | 2,970 |
| Pretax return on assets | 0.7935% | 3,662 |
| Return on Equity (ROE) | 6.9308% | 3,156 |
| Retained earnings to average equity (ytd only) | 3.8275% | 3,184 |
| Net charge-offs to loans | 0.6733% | 2,990 |
| Credit loss provision to net charge-offs | 52.7950% | 6,221 |
| Earnings coverage of net charge-offs (x) | 2.1118% | 4,139 |
| Efficiency ratio | 78.0362% | 2,708 |
| Assets per employee ($millions) | 3.8327% | 4,172 |
| Cash dividends to net income (ytd only)* | 44.7761% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4583% | 4,234 |
| Loan loss allowance to noncurrent loans | 76.4563% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 5.5865% | 1,103 |
| Noncurrent loans to loans | 1.9074% | 3,678 |
| Net loans and leases to total assets | 61.7064% | 4,346 |
| Net loans and leases to deposits | 72.1477% | 4,493 |
| Net loans and leases to core deposits | 75.6235% | 4,768 |
| Total domestic deposits to total assets | 85.5279% | 3,587 |
| Equity capital to assets | 11.1382% | 2,560 |
| Core capital (leverage) ratio | 9.7740% | 3,353 |
| Tier 1 risk-based capital ratio | 13.2541% | 4,406 |
| Total risk-based capital ratio | 14.5023% | 4,362 |
| Memoranda: | ||
| Average total assets | $33,775,400 | 7,088 |
| Average earning assets | $30,036,600 | 7,087 |
| Average equity | $3,866,800 | 7,040 |
| Average total loans | $23,911,600 | 6,734 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6152% | 2,012 |
| Cost of funding earning assets | 1.0153% | 5,868 |
| Net interest margin | 4.5999% | 1,044 |
| Noninterest income to average assets | 0.6151% | 3,354 |
| Noninterest expense to average assets | 3.6194% | 1,745 |
| Loan and lease loss provision to assets | 0.2421% | 4,664 |
| Net operating income to assets | 0.8533% | 2,801 |
| Return on assets (ROA) | 0.8533% | 2,930 |
| Pretax return on assets | 0.8533% | 3,719 |
| Return on Equity (ROE) | 7.4015% | 3,152 |
| Retained earnings to average equity (ytd only) | 3.2703% | 4,144 |
| Net charge-offs to loans | 0.8874% | 2,225 |
| Credit loss provision to net charge-offs | 37.4233% | 6,050 |
| Earnings coverage of net charge-offs (x) | 1.6932% | 4,432 |
| Efficiency ratio | 76.7677% | 2,803 |
| Assets per employee ($millions) | 3.7603% | 4,368 |
| Cash dividends to net income (ytd only)* | 55.8153% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3495% | 4,711 |
| Loan loss allowance to noncurrent loans | 56.7780% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 5.4664% | 1,131 |
| Noncurrent loans to loans | 2.3768% | 3,260 |
| Net loans and leases to total assets | 62.4235% | 4,442 |
| Net loans and leases to deposits | 70.8593% | 5,026 |
| Net loans and leases to core deposits | 73.5841% | 5,346 |
| Total domestic deposits to total assets | 88.0950% | 1,906 |
| Equity capital to assets | 11.7306% | 2,336 |
| Core capital (leverage) ratio | 9.8318% | 3,450 |
| Tier 1 risk-based capital ratio | 13.0649% | 4,525 |
| Total risk-based capital ratio | 14.2228% | 4,574 |
| Memoranda: | ||
| Average total assets | $33,595,750 | 7,177 |
| Average earning assets | $29,942,000 | 7,178 |
| Average equity | $3,873,000 | 7,124 |
| Average total loans | $24,489,500 | 6,793 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6564% | 1,921 |
| Cost of funding earning assets | 1.0369% | 5,974 |
| Net interest margin | 4.6195% | 955 |
| Noninterest income to average assets | 0.5669% | 3,572 |
| Noninterest expense to average assets | 3.7597% | 1,437 |
| Loan and lease loss provision to assets | 0.1552% | 5,345 |
| Net operating income to assets | 0.7997% | 2,977 |
| Return on assets (ROA) | 0.7997% | 3,114 |
| Pretax return on assets | 0.7997% | 3,882 |
| Return on Equity (ROE) | 6.9779% | 3,311 |
| Retained earnings to average equity (ytd only) | 0.7290% | 5,471 |
| Net charge-offs to loans | 0.4703% | 3,125 |
| Credit loss provision to net charge-offs | 43.3333% | 5,551 |
| Earnings coverage of net charge-offs (x) | 2.6667% | 3,664 |
| Efficiency ratio | 79.7468% | 2,472 |
| Assets per employee ($millions) | 3.8789% | 4,038 |
| Cash dividends to net income (ytd only)* | 89.5522% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5309% | 3,766 |
| Loan loss allowance to noncurrent loans | 28.4462% | 6,470 |
| Noncurrent assets plus other real estate owned to assets | 4.1020% | 1,663 |
| Noncurrent loans to loans | 5.3819% | 1,235 |
| Net loans and leases to total assets | 65.7748% | 3,876 |
| Net loans and leases to deposits | 74.1595% | 4,653 |
| Net loans and leases to core deposits | 78.8747% | 4,820 |
| Total domestic deposits to total assets | 88.6938% | 1,606 |
| Equity capital to assets | 11.1143% | 2,760 |
| Core capital (leverage) ratio | 9.7465% | 3,479 |
| Tier 1 risk-based capital ratio | 12.8303% | 4,580 |
| Total risk-based capital ratio | 14.0811% | 4,539 |
| Memoranda: | ||
| Average total assets | $33,513,330 | 7,233 |
| Average earning assets | $30,090,000 | 7,225 |
| Average equity | $3,840,670 | 7,172 |
| Average total loans | $25,514,330 | 6,772 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6544% | 1,943 |
| Cost of funding earning assets | 1.0257% | 6,246 |
| Net interest margin | 4.6287% | 902 |
| Noninterest income to average assets | 0.2438% | 6,207 |
| Noninterest expense to average assets | 3.9250% | 1,135 |
| Loan and lease loss provision to assets | 0.1585% | 4,946 |
| Net operating income to assets | 0.4510% | 4,612 |
| Return on assets (ROA) | 0.4510% | 4,739 |
| Pretax return on assets | 0.4510% | 5,130 |
| Return on Equity (ROE) | 3.8733% | 4,948 |
| Retained earnings to average equity (ytd only) | -3.4546% | 6,422 |
| Net charge-offs to loans | 0.9169% | 1,749 |
| Credit loss provision to net charge-offs | 21.3115% | 4,932 |
| Earnings coverage of net charge-offs (x) | 0.8197% | 4,312 |
| Efficiency ratio | 86.5591% | 1,739 |
| Assets per employee ($millions) | 3.2485% | 5,657 |
| Cash dividends to net income (ytd only)* | 189.1892% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 4,547 |
| Loan loss allowance to noncurrent loans | 50.0730% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 2.6535% | 2,742 |
| Noncurrent loans to loans | 2.7453% | 2,902 |
| Net loans and leases to total assets | 75.7550% | 1,594 |
| Net loans and leases to deposits | 85.9643% | 2,593 |
| Net loans and leases to core deposits | 91.9001% | 3,119 |
| Total domestic deposits to total assets | 88.1237% | 1,993 |
| Equity capital to assets | 11.7193% | 2,215 |
| Core capital (leverage) ratio | 9.8182% | 3,379 |
| Tier 1 risk-based capital ratio | 12.5025% | 4,749 |
| Total risk-based capital ratio | 13.7555% | 4,696 |
| Memoranda: | ||
| Average total assets | $32,815,000 | 7,353 |
| Average earning assets | $30,419,000 | 7,304 |
| Average equity | $3,821,000 | 7,248 |
| Average total loans | $26,612,000 | 6,800 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9448% | 2,063 |
| Cost of funding earning assets | 1.0971% | 6,990 |
| Net interest margin | 4.8478% | 622 |
| Noninterest income to average assets | 0.2001% | 6,669 |
| Noninterest expense to average assets | 4.0667% | 1,278 |
| Loan and lease loss provision to assets | 0.1392% | 6,247 |
| Net operating income to assets | 0.4931% | 3,755 |
| Return on assets (ROA) | 0.4931% | 3,856 |
| Pretax return on assets | 0.4931% | 4,205 |
| Return on Equity (ROE) | 4.4848% | 3,892 |
| Retained earnings to average equity (ytd only) | 1.0289% | 4,314 |
| Net charge-offs to loans | 0.0153% | 7,004 |
| Credit loss provision to net charge-offs | 1,200.0000% | 255 |
| Earnings coverage of net charge-offs (x) | 54.5000% | 484 |
| Efficiency ratio | 86.5432% | 2,051 |
| Assets per employee ($millions) | 3.6828% | 4,559 |
| Cash dividends to net income (ytd only)* | 77.0588% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3830% | 4,320 |
| Loan loss allowance to noncurrent loans | 86.6962% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 1.3667% | 4,374 |
| Noncurrent loans to loans | 1.5952% | 4,262 |
| Net loans and leases to total assets | 84.1183% | 419 |
| Net loans and leases to deposits | 95.2285% | 1,430 |
| Net loans and leases to core deposits | 116.7448% | 2,241 |
| Total domestic deposits to total assets | 88.3331% | 1,803 |
| Equity capital to assets | 11.5704% | 2,267 |
| Core capital (leverage) ratio | 9.9481% | 3,144 |
| Tier 1 risk-based capital ratio | 10.7397% | 6,166 |
| Total risk-based capital ratio | 11.9919% | 6,142 |
| Memoranda: | ||
| Average total assets | $34,475,400 | 7,304 |
| Average earning assets | $31,994,200 | 7,261 |
| Average equity | $3,790,600 | 7,354 |
| Average total loans | $26,064,200 | 6,848 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8095% | 2,848 |
| Cost of funding earning assets | 1.1197% | 7,135 |
| Net interest margin | 4.6897% | 844 |
| Noninterest income to average assets | 0.1571% | 7,068 |
| Noninterest expense to average assets | 4.0258% | 1,240 |
| Loan and lease loss provision to assets | 0.1341% | 6,018 |
| Net operating income to assets | 0.3447% | 4,622 |
| Return on assets (ROA) | 0.3447% | 4,718 |
| Pretax return on assets | 0.3447% | 4,942 |
| Return on Equity (ROE) | 3.1750% | 4,711 |
| Retained earnings to average equity (ytd only) | -1.4465% | 5,595 |
| Net charge-offs to loans | 0.0261% | 6,516 |
| Credit loss provision to net charge-offs | 700.0000% | 532 |
| Earnings coverage of net charge-offs (x) | 24.9865% | 1,068 |
| Efficiency ratio | 89.3707% | 1,748 |
| Assets per employee ($millions) | 3.3065% | 5,385 |
| Cash dividends to net income (ytd only)* | 145.5500% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 3,920 |
| Loan loss allowance to noncurrent loans | 223.0769% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.5504% | 6,085 |
| Noncurrent loans to loans | 0.6292% | 6,039 |
| Net loans and leases to total assets | 80.0907% | 1,150 |
| Net loans and leases to deposits | 90.5089% | 2,477 |
| Net loans and leases to core deposits | 111.6442% | 3,056 |
| Total domestic deposits to total assets | 88.4893% | 1,442 |
| Equity capital to assets | 11.3957% | 2,675 |
| Core capital (leverage) ratio | 9.1985% | 4,344 |
| Tier 1 risk-based capital ratio | 11.0388% | 5,910 |
| Total risk-based capital ratio | 12.2904% | 5,870 |
| Memoranda: | ||
| Average total assets | $34,808,000 | 7,347 |
| Average earning assets | $32,268,250 | 7,316 |
| Average equity | $3,779,500 | 7,424 |
| Average total loans | $25,512,250 | 6,939 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5148% | 4,541 |
| Cost of funding earning assets | 1.1273% | 7,308 |
| Net interest margin | 4.3875% | 1,435 |
| Noninterest income to average assets | 0.1922% | 6,918 |
| Noninterest expense to average assets | 3.8939% | 1,500 |
| Loan and lease loss provision to assets | 0.1300% | 5,799 |
| Net operating income to assets | 0.2374% | 5,137 |
| Return on assets (ROA) | 0.2374% | 5,223 |
| Pretax return on assets | 0.2374% | 5,363 |
| Return on Equity (ROE) | 2.2203% | 5,212 |
| Retained earnings to average equity (ytd only) | -4.7048% | 6,260 |
| Net charge-offs to loans | 0.0479% | 5,806 |
| Credit loss provision to net charge-offs | 383.3333% | 1,210 |
| Earnings coverage of net charge-offs (x) | 10.8333% | 1,956 |
| Efficiency ratio | 91.3793% | 1,690 |
| Assets per employee ($millions) | 3.0531% | 5,992 |
| Cash dividends to net income (ytd only)* | 311.9048% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 3,197 |
| Loan loss allowance to noncurrent loans | 204.4944% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.5360% | 6,093 |
| Noncurrent loans to loans | 0.7337% | 5,777 |
| Net loans and leases to total assets | 71.1559% | 3,432 |
| Net loans and leases to deposits | 80.1267% | 4,526 |
| Net loans and leases to core deposits | 106.0298% | 3,840 |
| Total domestic deposits to total assets | 88.8042% | 1,371 |
| Equity capital to assets | 11.0052% | 2,918 |
| Core capital (leverage) ratio | 9.3008% | 4,163 |
| Tier 1 risk-based capital ratio | 11.5985% | 5,290 |
| Total risk-based capital ratio | 12.8508% | 5,220 |
| Memoranda: | ||
| Average total assets | $35,389,000 | 7,395 |
| Average earning assets | $32,820,670 | 7,367 |
| Average equity | $3,783,330 | 7,482 |
| Average total loans | $25,063,330 | 7,025 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4137% | 5,350 |
| Cost of funding earning assets | 1.1017% | 7,518 |
| Net interest margin | 4.3120% | 1,572 |
| Noninterest income to average assets | 0.2094% | 6,795 |
| Noninterest expense to average assets | 3.9348% | 1,261 |
| Loan and lease loss provision to assets | 0.1102% | 5,555 |
| Net operating income to assets | 0.1763% | 5,728 |
| Return on assets (ROA) | 0.1763% | 5,902 |
| Pretax return on assets | 0.1763% | 5,992 |
| Return on Equity (ROE) | 1.6723% | 5,889 |
| Retained earnings to average equity (ytd only) | 1.6723% | 4,908 |
| Net charge-offs to loans | -0.0157% | 7,378 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2115% | 1,482 |
| Assets per employee ($millions) | 3.0388% | 6,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 3,197 |
| Loan loss allowance to noncurrent loans | 158.4071% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.6821% | 5,452 |
| Noncurrent loans to loans | 0.9192% | 5,164 |
| Net loans and leases to total assets | 72.4833% | 3,128 |
| Net loans and leases to deposits | 90.2014% | 2,899 |
| Net loans and leases to core deposits | 122.1836% | 2,236 |
| Total domestic deposits to total assets | 80.3572% | 5,223 |
| Equity capital to assets | 11.4668% | 2,607 |
| Core capital (leverage) ratio | 10.0480% | 3,351 |
| Tier 1 risk-based capital ratio | 12.2429% | 4,752 |
| Total risk-based capital ratio | 13.4933% | 4,662 |
| Memoranda: | ||
| Average total assets | $36,291,500 | 7,405 |
| Average earning assets | $33,766,000 | 7,368 |
| Average equity | $3,827,000 | 7,511 |
| Average total loans | $25,464,500 | 7,031 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6756% | 2,127 |
| Cost of funding earning assets | 1.4695% | 7,655 |
| Net interest margin | 5.2061% | 340 |
| Noninterest income to average assets | 0.2788% | 6,467 |
| Noninterest expense to average assets | 3.7237% | 1,908 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3459% | 1,359 |
| Return on assets (ROA) | 1.3459% | 1,314 |
| Pretax return on assets | 1.3459% | 2,148 |
| Return on Equity (ROE) | 11.3710% | 1,800 |
| Retained earnings to average equity (ytd only) | 6.9580% | 1,163 |
| Net charge-offs to loans | -0.1976% | 8,164 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4513% | 3,670 |
| Assets per employee ($millions) | 3.5596% | 4,526 |
| Cash dividends to net income (ytd only)* | 38.8095% | 3,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3173% | 3,662 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 7,630 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 66.3883% | 4,771 |
| Net loans and leases to deposits | 80.6597% | 4,935 |
| Net loans and leases to core deposits | 87.8447% | 5,991 |
| Total domestic deposits to total assets | 82.3067% | 4,083 |
| Equity capital to assets | 9.7584% | 4,351 |
| Core capital (leverage) ratio | 8.0030% | 6,482 |
| Tier 1 risk-based capital ratio | 10.7776% | 5,933 |
| Total risk-based capital ratio | 11.9735% | 5,888 |
| Memoranda: | ||
| Average total assets | $31,205,400 | 7,594 |
| Average earning assets | $28,716,400 | 7,578 |
| Average equity | $3,693,600 | 7,612 |
| Average total loans | $20,746,200 | 7,281 |