Home > Commonwealth Bank, FSB > Performance and Condition Ratios
Commonwealth Bank, FSB, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9161% | 676 |
| Cost of funding earning assets | 0.6243% | 1,274 |
| Net interest margin | 4.2918% | 890 |
| Noninterest income to average assets | 0.4719% | 3,493 |
| Noninterest expense to average assets | 6.4215% | 174 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -2.5645% | 6,379 |
| Return on assets (ROA) | -2.5645% | 6,381 |
| Pretax return on assets | -2.5645% | 6,379 |
| Return on Equity (ROE) | -31.4367% | 6,385 |
| Retained earnings to average equity (ytd only) | -31.4367% | 6,349 |
| Net charge-offs to loans | 0.1033% | 1,698 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -31.2500% | 3,268 |
| Efficiency ratio | 166.4894% | 33 |
| Assets per employee ($millions) | 2.7800% | 5,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6792% | 5,941 |
| Loan loss allowance to noncurrent loans | 82.4000% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 0.6835% | 3,442 |
| Noncurrent loans to loans | 0.8242% | 3,183 |
| Net loans and leases to total assets | 77.4049% | 1,010 |
| Net loans and leases to deposits | 98.0409% | 675 |
| Net loans and leases to core deposits | 101.7083% | 1,201 |
| Total domestic deposits to total assets | 78.9517% | 5,273 |
| Equity capital to assets | 7.8520% | 6,089 |
| Core capital (leverage) ratio | 7.8343% | 6,018 |
| Tier 1 risk-based capital ratio | 12.3505% | 5,011 |
| Total risk-based capital ratio | 13.1830% | 5,173 |
| Memoranda: | ||
| Average total assets | $19,497,000 | 6,331 |
| Average earning assets | $15,378,000 | 6,343 |
| Average equity | $1,590,500 | 6,366 |
| Average total loans | $15,483,000 | 6,074 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0542% | 701 |
| Cost of funding earning assets | 0.6590% | 1,347 |
| Net interest margin | 4.3952% | 893 |
| Noninterest income to average assets | 0.4255% | 4,003 |
| Noninterest expense to average assets | 5.1322% | 284 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -1.1416% | 6,396 |
| Return on assets (ROA) | -1.1416% | 6,398 |
| Pretax return on assets | -1.1416% | 6,388 |
| Return on Equity (ROE) | -12.4350% | 6,391 |
| Retained earnings to average equity (ytd only) | -12.4350% | 6,356 |
| Net charge-offs to loans | 0.3359% | 1,307 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -4.1509% | 4,877 |
| Efficiency ratio | 128.6086% | 98 |
| Assets per employee ($millions) | 2.7906% | 5,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6772% | 6,032 |
| Loan loss allowance to noncurrent loans | 35.0820% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 1.6023% | 1,684 |
| Noncurrent loans to loans | 1.9304% | 1,456 |
| Net loans and leases to total assets | 80.3368% | 698 |
| Net loans and leases to deposits | 105.1035% | 395 |
| Net loans and leases to core deposits | 109.1535% | 821 |
| Total domestic deposits to total assets | 76.4360% | 5,672 |
| Equity capital to assets | 8.4622% | 5,782 |
| Core capital (leverage) ratio | 8.4622% | 5,593 |
| Tier 1 risk-based capital ratio | 12.7066% | 4,915 |
| Total risk-based capital ratio | 13.5291% | 5,086 |
| Memoranda: | ||
| Average total assets | $19,270,400 | 6,423 |
| Average earning assets | $15,630,600 | 6,428 |
| Average equity | $1,769,200 | 6,430 |
| Average total loans | $15,779,000 | 6,138 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1061% | 636 |
| Cost of funding earning assets | 0.6660% | 1,348 |
| Net interest margin | 4.4401% | 833 |
| Noninterest income to average assets | 0.3818% | 4,385 |
| Noninterest expense to average assets | 5.0473% | 298 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -1.0553% | 6,469 |
| Return on assets (ROA) | -1.0553% | 6,469 |
| Pretax return on assets | -1.0553% | 6,455 |
| Return on Equity (ROE) | -11.2698% | 6,460 |
| Retained earnings to average equity (ytd only) | -11.2698% | 6,401 |
| Net charge-offs to loans | 0.0169% | 4,197 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -75.9026% | 4,683 |
| Efficiency ratio | 126.4348% | 99 |
| Assets per employee ($millions) | 2.7531% | 6,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9908% | 5,255 |
| Loan loss allowance to noncurrent loans | 54.2955% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 1.5515% | 1,975 |
| Noncurrent loans to loans | 1.8248% | 1,760 |
| Net loans and leases to total assets | 81.9271% | 517 |
| Net loans and leases to deposits | 103.5412% | 428 |
| Net loans and leases to core deposits | 105.6191% | 975 |
| Total domestic deposits to total assets | 79.1252% | 5,295 |
| Equity capital to assets | 8.9301% | 5,429 |
| Core capital (leverage) ratio | 8.9301% | 5,157 |
| Tier 1 risk-based capital ratio | 13.2090% | 4,722 |
| Total risk-based capital ratio | 14.4217% | 4,685 |
| Memoranda: | ||
| Average total assets | $19,204,500 | 6,502 |
| Average earning assets | $15,615,000 | 6,507 |
| Average equity | $1,798,250 | 6,502 |
| Average total loans | $15,773,750 | 6,203 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2195% | 488 |
| Cost of funding earning assets | 0.6814% | 1,303 |
| Net interest margin | 4.5382% | 655 |
| Noninterest income to average assets | 0.3232% | 4,829 |
| Noninterest expense to average assets | 4.9734% | 319 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.9697% | 6,523 |
| Return on assets (ROA) | -0.9697% | 6,521 |
| Pretax return on assets | -0.9697% | 6,505 |
| Return on Equity (ROE) | -10.1974% | 6,514 |
| Retained earnings to average equity (ytd only) | -10.1974% | 6,423 |
| Net charge-offs to loans | 0.0382% | 3,456 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -31.0000% | 4,347 |
| Efficiency ratio | 124.2188% | 121 |
| Assets per employee ($millions) | 2.7240% | 6,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9977% | 5,362 |
| Loan loss allowance to noncurrent loans | 73.0233% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 1.1695% | 2,739 |
| Noncurrent loans to loans | 1.3663% | 2,532 |
| Net loans and leases to total assets | 81.7023% | 494 |
| Net loans and leases to deposits | 101.5249% | 476 |
| Net loans and leases to core deposits | 103.5494% | 1,050 |
| Total domestic deposits to total assets | 80.4751% | 5,139 |
| Equity capital to assets | 9.3350% | 4,943 |
| Core capital (leverage) ratio | 9.3350% | 4,544 |
| Tier 1 risk-based capital ratio | 14.0157% | 4,254 |
| Total risk-based capital ratio | 15.2520% | 4,197 |
| Memoranda: | ||
| Average total assets | $19,182,000 | 6,568 |
| Average earning assets | $15,557,000 | 6,572 |
| Average equity | $1,824,000 | 6,560 |
| Average total loans | $15,716,000 | 6,263 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0946% | 597 |
| Cost of funding earning assets | 0.7204% | 1,121 |
| Net interest margin | 4.3741% | 851 |
| Noninterest income to average assets | 0.1871% | 5,844 |
| Noninterest expense to average assets | 4.8443% | 346 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.1227% | 6,588 |
| Return on assets (ROA) | -1.1227% | 6,584 |
| Pretax return on assets | -1.1227% | 6,577 |
| Return on Equity (ROE) | -11.7010% | 6,581 |
| Retained earnings to average equity (ytd only) | -11.7010% | 6,409 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.1676% | 117 |
| Assets per employee ($millions) | 2.7450% | 6,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 5,468 |
| Loan loss allowance to noncurrent loans | 51.2821% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 1.6862% | 2,091 |
| Noncurrent loans to loans | 1.9728% | 1,896 |
| Net loans and leases to total assets | 81.4728% | 398 |
| Net loans and leases to deposits | 101.4977% | 380 |
| Net loans and leases to core deposits | 103.5110% | 888 |
| Total domestic deposits to total assets | 80.2706% | 5,433 |
| Equity capital to assets | 9.4666% | 4,541 |
| Core capital (leverage) ratio | 9.4666% | 4,331 |
| Tier 1 risk-based capital ratio | 13.9697% | 4,354 |
| Total risk-based capital ratio | 15.1985% | 4,306 |
| Memoranda: | ||
| Average total assets | $19,239,000 | 6,641 |
| Average earning assets | $15,546,000 | 6,646 |
| Average equity | $1,846,000 | 6,624 |
| Average total loans | $15,706,000 | 6,320 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3698% | 465 |
| Cost of funding earning assets | 0.9286% | 643 |
| Net interest margin | 4.4412% | 838 |
| Noninterest income to average assets | 0.4883% | 3,829 |
| Noninterest expense to average assets | 4.4352% | 554 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.6243% | 6,531 |
| Return on assets (ROA) | -0.6243% | 6,535 |
| Pretax return on assets | -0.6243% | 6,518 |
| Return on Equity (ROE) | -6.3977% | 6,519 |
| Retained earnings to average equity (ytd only) | -6.3977% | 6,428 |
| Net charge-offs to loans | -0.0133% | 6,066 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.3804% | 204 |
| Assets per employee ($millions) | 2.7519% | 6,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 5,438 |
| Loan loss allowance to noncurrent loans | 63.4921% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 1.6353% | 2,263 |
| Noncurrent loans to loans | 1.6157% | 2,483 |
| Net loans and leases to total assets | 80.1381% | 580 |
| Net loans and leases to deposits | 101.7668% | 409 |
| Net loans and leases to core deposits | 103.8200% | 922 |
| Total domestic deposits to total assets | 78.7468% | 5,699 |
| Equity capital to assets | 9.7233% | 4,144 |
| Core capital (leverage) ratio | 9.7233% | 3,954 |
| Tier 1 risk-based capital ratio | 14.3955% | 4,018 |
| Total risk-based capital ratio | 15.6252% | 3,975 |
| Memoranda: | ||
| Average total assets | $19,863,800 | 6,702 |
| Average earning assets | $14,861,000 | 6,741 |
| Average equity | $1,938,200 | 6,695 |
| Average total loans | $15,019,600 | 6,416 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4176% | 427 |
| Cost of funding earning assets | 0.9785% | 555 |
| Net interest margin | 4.4392% | 821 |
| Noninterest income to average assets | 0.4597% | 4,082 |
| Noninterest expense to average assets | 4.3435% | 603 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.6196% | 6,632 |
| Return on assets (ROA) | -0.6196% | 6,642 |
| Pretax return on assets | -0.6196% | 6,627 |
| Return on Equity (ROE) | -6.3443% | 6,635 |
| Retained earnings to average equity (ytd only) | -6.3443% | 6,550 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.6369% | 201 |
| Assets per employee ($millions) | 2.7504% | 6,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 5,457 |
| Loan loss allowance to noncurrent loans | 82.2917% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 1.3245% | 2,991 |
| Noncurrent loans to loans | 1.2959% | 3,240 |
| Net loans and leases to total assets | 76.1336% | 989 |
| Net loans and leases to deposits | 93.3214% | 878 |
| Net loans and leases to core deposits | 95.1386% | 1,461 |
| Total domestic deposits to total assets | 81.5821% | 5,061 |
| Equity capital to assets | 9.8894% | 4,068 |
| Core capital (leverage) ratio | 9.8894% | 3,829 |
| Tier 1 risk-based capital ratio | 15.1399% | 3,663 |
| Total risk-based capital ratio | 16.3963% | 3,617 |
| Memoranda: | ||
| Average total assets | $20,014,000 | 6,773 |
| Average earning assets | $14,717,000 | 6,819 |
| Average equity | $1,954,500 | 6,775 |
| Average total loans | $14,875,250 | 6,487 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4558% | 404 |
| Cost of funding earning assets | 1.0314% | 463 |
| Net interest margin | 4.4243% | 814 |
| Noninterest income to average assets | 0.4835% | 3,941 |
| Noninterest expense to average assets | 4.2629% | 650 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.5625% | 6,656 |
| Return on assets (ROA) | -0.5625% | 6,668 |
| Pretax return on assets | -0.5625% | 6,653 |
| Return on Equity (ROE) | -5.7829% | 6,652 |
| Retained earnings to average equity (ytd only) | -5.7829% | 6,501 |
| Net charge-offs to loans | -0.0134% | 5,836 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.2000% | 219 |
| Assets per employee ($millions) | 2.5011% | 6,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 5,523 |
| Loan loss allowance to noncurrent loans | 126.1905% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 1.1595% | 3,431 |
| Noncurrent loans to loans | 0.8555% | 4,210 |
| Net loans and leases to total assets | 72.8172% | 1,435 |
| Net loans and leases to deposits | 88.6792% | 1,267 |
| Net loans and leases to core deposits | 90.3286% | 1,884 |
| Total domestic deposits to total assets | 82.1130% | 5,021 |
| Equity capital to assets | 9.6956% | 4,320 |
| Core capital (leverage) ratio | 9.6956% | 3,938 |
| Tier 1 risk-based capital ratio | 15.1444% | 3,684 |
| Total risk-based capital ratio | 16.3856% | 3,650 |
| Memoranda: | ||
| Average total assets | $20,267,670 | 6,818 |
| Average earning assets | $14,736,670 | 6,870 |
| Average equity | $1,971,330 | 6,823 |
| Average total loans | $14,895,000 | 6,524 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6680% | 287 |
| Cost of funding earning assets | 1.0796% | 412 |
| Net interest margin | 4.5884% | 570 |
| Noninterest income to average assets | 0.4510% | 4,117 |
| Noninterest expense to average assets | 4.1771% | 735 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.3922% | 6,623 |
| Return on assets (ROA) | -0.3922% | 6,657 |
| Pretax return on assets | -0.3922% | 6,634 |
| Return on Equity (ROE) | -4.0262% | 6,653 |
| Retained earnings to average equity (ytd only) | -4.0262% | 6,281 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.3627% | 322 |
| Assets per employee ($millions) | 2.6095% | 6,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0576% | 5,765 |
| Loan loss allowance to noncurrent loans | 123.4375% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 2.1125% | 2,223 |
| Noncurrent loans to loans | 0.8568% | 4,404 |
| Net loans and leases to total assets | 70.8038% | 1,545 |
| Net loans and leases to deposits | 85.7168% | 1,382 |
| Net loans and leases to core deposits | 87.2344% | 1,985 |
| Total domestic deposits to total assets | 82.6020% | 4,990 |
| Equity capital to assets | 9.4702% | 4,890 |
| Core capital (leverage) ratio | 9.4702% | 4,133 |
| Tier 1 risk-based capital ratio | 14.6575% | 4,060 |
| Total risk-based capital ratio | 15.8289% | 4,085 |
| Memoranda: | ||
| Average total assets | $20,397,000 | 6,892 |
| Average earning assets | $14,820,000 | 6,942 |
| Average equity | $1,987,000 | 6,881 |
| Average total loans | $14,978,000 | 6,582 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7324% | 412 |
| Cost of funding earning assets | 1.1354% | 788 |
| Net interest margin | 4.5970% | 790 |
| Noninterest income to average assets | -0.0538% | 6,888 |
| Noninterest expense to average assets | 4.5028% | 577 |
| Loan and lease loss provision to assets | 0.6307% | 856 |
| Net operating income to assets | -1.5009% | 6,854 |
| Return on assets (ROA) | -1.5009% | 6,865 |
| Pretax return on assets | -1.5449% | 6,862 |
| Return on Equity (ROE) | -14.0068% | 6,808 |
| Retained earnings to average equity (ytd only) | -14.0068% | 6,753 |
| Net charge-offs to loans | 0.0997% | 4,669 |
| Credit loss provision to net charge-offs | 806.2500% | 309 |
| Earnings coverage of net charge-offs (x) | -11.6875% | 5,944 |
| Efficiency ratio | 125.4768% | 175 |
| Assets per employee ($millions) | 2.4898% | 6,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0521% | 5,754 |
| Loan loss allowance to noncurrent loans | 831.5789% | 537 |
| Noncurrent assets plus other real estate owned to assets | 1.8626% | 2,621 |
| Noncurrent loans to loans | 0.1265% | 6,166 |
| Net loans and leases to total assets | 74.6009% | 1,114 |
| Net loans and leases to deposits | 91.6430% | 942 |
| Net loans and leases to core deposits | 93.3706% | 1,514 |
| Total domestic deposits to total assets | 81.4038% | 5,275 |
| Equity capital to assets | 10.0261% | 4,131 |
| Core capital (leverage) ratio | 10.0261% | 3,363 |
| Tier 1 risk-based capital ratio | 14.8288% | 3,818 |
| Total risk-based capital ratio | 16.0021% | 3,815 |
| Memoranda: | ||
| Average total assets | $20,453,800 | 6,950 |
| Average earning assets | $16,206,200 | 6,973 |
| Average equity | $2,191,800 | 6,930 |
| Average total loans | $16,050,000 | 6,599 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7948% | 401 |
| Cost of funding earning assets | 1.1283% | 951 |
| Net interest margin | 4.6665% | 718 |
| Noninterest income to average assets | 0.2979% | 5,392 |
| Noninterest expense to average assets | 4.4880% | 543 |
| Loan and lease loss provision to assets | 0.2655% | 2,453 |
| Net operating income to assets | -0.6541% | 6,759 |
| Return on assets (ROA) | -0.6541% | 6,787 |
| Pretax return on assets | -0.7059% | 6,781 |
| Return on Equity (ROE) | -6.0103% | 6,755 |
| Retained earnings to average equity (ytd only) | -6.0103% | 6,673 |
| Net charge-offs to loans | -0.0082% | 6,331 |
| Credit loss provision to net charge-offs | -4,100.0000% | 6,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.8800% | 291 |
| Assets per employee ($millions) | 2.5840% | 6,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5600% | 6,906 |
| Loan loss allowance to noncurrent loans | 580.0000% | 670 |
| Noncurrent assets plus other real estate owned to assets | 1.1852% | 3,924 |
| Noncurrent loans to loans | 0.0965% | 6,375 |
| Net loans and leases to total assets | 74.7388% | 1,140 |
| Net loans and leases to deposits | 93.1958% | 854 |
| Net loans and leases to core deposits | 94.9134% | 1,497 |
| Total domestic deposits to total assets | 80.1954% | 5,602 |
| Equity capital to assets | 10.6569% | 3,658 |
| Core capital (leverage) ratio | 10.6569% | 2,749 |
| Tier 1 risk-based capital ratio | 15.7211% | 3,414 |
| Total risk-based capital ratio | 16.3420% | 3,736 |
| Memoranda: | ||
| Average total assets | $20,587,750 | 7,043 |
| Average earning assets | $16,543,000 | 7,061 |
| Average equity | $2,240,500 | 7,013 |
| Average total loans | $16,308,250 | 6,667 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7135% | 473 |
| Cost of funding earning assets | 1.1238% | 1,113 |
| Net interest margin | 4.5897% | 847 |
| Noninterest income to average assets | 0.2529% | 5,771 |
| Noninterest expense to average assets | 4.4942% | 554 |
| Loan and lease loss provision to assets | 0.3988% | 1,646 |
| Net operating income to assets | -0.7880% | 6,854 |
| Return on assets (ROA) | -0.7880% | 6,879 |
| Pretax return on assets | -0.8658% | 6,868 |
| Return on Equity (ROE) | -7.1904% | 6,838 |
| Retained earnings to average equity (ytd only) | -7.1904% | 6,729 |
| Net charge-offs to loans | -0.0121% | 6,317 |
| Credit loss provision to net charge-offs | -4,100.0000% | 6,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.5942% | 310 |
| Assets per employee ($millions) | 2.5441% | 6,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5119% | 7,014 |
| Loan loss allowance to noncurrent loans | 573.3333% | 641 |
| Noncurrent assets plus other real estate owned to assets | 1.8327% | 2,996 |
| Noncurrent loans to loans | 0.0893% | 6,439 |
| Net loans and leases to total assets | 82.1206% | 331 |
| Net loans and leases to deposits | 102.8491% | 312 |
| Net loans and leases to core deposits | 104.7834% | 804 |
| Total domestic deposits to total assets | 79.8457% | 5,778 |
| Equity capital to assets | 10.9173% | 3,206 |
| Core capital (leverage) ratio | 10.9173% | 2,379 |
| Tier 1 risk-based capital ratio | 15.4746% | 3,458 |
| Total risk-based capital ratio | 16.0735% | 3,843 |
| Memoranda: | ||
| Average total assets | $20,559,670 | 7,103 |
| Average earning assets | $16,907,330 | 7,118 |
| Average equity | $2,253,000 | 7,058 |
| Average total loans | $16,565,330 | 6,712 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7398% | 479 |
| Cost of funding earning assets | 1.1291% | 1,259 |
| Net interest margin | 4.6107% | 811 |
| Noninterest income to average assets | 0.0387% | 6,977 |
| Noninterest expense to average assets | 4.4137% | 593 |
| Loan and lease loss provision to assets | 0.7937% | 626 |
| Net operating income to assets | -1.3744% | 7,069 |
| Return on assets (ROA) | -1.3744% | 7,081 |
| Pretax return on assets | -1.3744% | 7,062 |
| Return on Equity (ROE) | -12.5193% | 7,030 |
| Retained earnings to average equity (ytd only) | -12.5193% | 6,910 |
| Net charge-offs to loans | 0.0243% | 4,348 |
| Credit loss provision to net charge-offs | 4,100.0000% | 68 |
| Earnings coverage of net charge-offs (x) | -30.0000% | 4,712 |
| Efficiency ratio | 115.1515% | 271 |
| Assets per employee ($millions) | 2.6143% | 6,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5171% | 7,054 |
| Loan loss allowance to noncurrent loans | 566.6667% | 624 |
| Noncurrent assets plus other real estate owned to assets | 1.8265% | 3,141 |
| Noncurrent loans to loans | 0.0913% | 6,531 |
| Net loans and leases to total assets | 78.1869% | 572 |
| Net loans and leases to deposits | 102.5139% | 292 |
| Net loans and leases to core deposits | 104.4789% | 743 |
| Total domestic deposits to total assets | 76.2695% | 6,514 |
| Equity capital to assets | 10.6771% | 3,294 |
| Core capital (leverage) ratio | 10.6771% | 2,574 |
| Tier 1 risk-based capital ratio | 15.3386% | 3,535 |
| Total risk-based capital ratio | 15.9225% | 3,935 |
| Memoranda: | ||
| Average total assets | $20,663,000 | 7,162 |
| Average earning assets | $17,004,000 | 7,173 |
| Average equity | $2,268,500 | 7,109 |
| Average total loans | $16,448,000 | 6,772 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4043% | 1,408 |
| Cost of funding earning assets | 1.3913% | 1,081 |
| Net interest margin | 4.0130% | 2,818 |
| Noninterest income to average assets | 0.8627% | 1,791 |
| Noninterest expense to average assets | 4.7646% | 471 |
| Loan and lease loss provision to assets | 0.1716% | 4,487 |
| Net operating income to assets | -0.6519% | 6,577 |
| Return on assets (ROA) | 0.1520% | 5,864 |
| Pretax return on assets | 0.1520% | 5,885 |
| Return on Equity (ROE) | 1.3770% | 5,868 |
| Retained earnings to average equity (ytd only) | 1.3770% | 5,201 |
| Net charge-offs to loans | 0.1712% | 4,787 |
| Credit loss provision to net charge-offs | 125.0000% | 2,500 |
| Earnings coverage of net charge-offs (x) | -3.5000% | 6,339 |
| Efficiency ratio | 111.2128% | 412 |
| Assets per employee ($millions) | 2.5515% | 6,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2734% | 7,234 |
| Loan loss allowance to noncurrent loans | 49.4505% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 2.4593% | 2,477 |
| Noncurrent loans to loans | 0.5529% | 5,613 |
| Net loans and leases to total assets | 80.4135% | 452 |
| Net loans and leases to deposits | 112.0639% | 141 |
| Net loans and leases to core deposits | 114.4072% | 487 |
| Total domestic deposits to total assets | 71.7568% | 6,884 |
| Equity capital to assets | 11.2875% | 2,705 |
| Core capital (leverage) ratio | 11.2875% | 2,049 |
| Tier 1 risk-based capital ratio | 16.5505% | 2,802 |
| Total risk-based capital ratio | 16.8738% | 3,209 |
| Memoranda: | ||
| Average total assets | $20,400,400 | 7,201 |
| Average earning assets | $17,393,400 | 7,194 |
| Average equity | $2,251,200 | 7,171 |
| Average total loans | $16,356,800 | 6,829 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4401% | 1,409 |
| Cost of funding earning assets | 1.4543% | 1,006 |
| Net interest margin | 3.9858% | 2,974 |
| Noninterest income to average assets | 0.8498% | 1,836 |
| Noninterest expense to average assets | 4.7129% | 476 |
| Loan and lease loss provision to assets | 0.0981% | 5,230 |
| Net operating income to assets | -0.5752% | 6,682 |
| Return on assets (ROA) | -0.5033% | 6,686 |
| Pretax return on assets | -0.5033% | 6,622 |
| Return on Equity (ROE) | -4.5871% | 6,660 |
| Retained earnings to average equity (ytd only) | -4.5871% | 6,568 |
| Net charge-offs to loans | 0.0735% | 5,227 |
| Credit loss provision to net charge-offs | 166.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | -8.1108% | 6,127 |
| Efficiency ratio | 111.2654% | 408 |
| Assets per employee ($millions) | 2.6189% | 6,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3971% | 7,232 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 2.3102% | 2,777 |
| Noncurrent loans to loans | 0.7942% | 5,287 |
| Net loans and leases to total assets | 80.2157% | 494 |
| Net loans and leases to deposits | 112.7995% | 148 |
| Net loans and leases to core deposits | 115.1175% | 524 |
| Total domestic deposits to total assets | 71.1136% | 6,982 |
| Equity capital to assets | 10.4816% | 3,729 |
| Core capital (leverage) ratio | 10.4816% | 2,888 |
| Tier 1 risk-based capital ratio | 15.1094% | 3,603 |
| Total risk-based capital ratio | 15.5704% | 4,080 |
| Memoranda: | ||
| Average total assets | $20,397,500 | 7,274 |
| Average earning assets | $17,327,750 | 7,272 |
| Average equity | $2,238,000 | 7,246 |
| Average total loans | $16,331,250 | 6,901 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4312% | 1,471 |
| Cost of funding earning assets | 1.5268% | 912 |
| Net interest margin | 3.9044% | 3,291 |
| Noninterest income to average assets | 0.8015% | 2,007 |
| Noninterest expense to average assets | 4.7098% | 477 |
| Loan and lease loss provision to assets | 0.1187% | 4,789 |
| Net operating income to assets | -0.7124% | 6,824 |
| Return on assets (ROA) | -0.6926% | 6,820 |
| Pretax return on assets | -0.6926% | 6,762 |
| Return on Equity (ROE) | -6.2167% | 6,792 |
| Retained earnings to average equity (ytd only) | -6.2167% | 6,672 |
| Net charge-offs to loans | 0.0619% | 5,030 |
| Credit loss provision to net charge-offs | 240.0000% | 1,261 |
| Earnings coverage of net charge-offs (x) | -12.0000% | 5,833 |
| Efficiency ratio | 114.4231% | 410 |
| Assets per employee ($millions) | 2.5439% | 6,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4069% | 7,290 |
| Loan loss allowance to noncurrent loans | 31.7757% | 6,157 |
| Noncurrent assets plus other real estate owned to assets | 1.9557% | 3,299 |
| Noncurrent loans to loans | 1.2805% | 4,521 |
| Net loans and leases to total assets | 81.7847% | 386 |
| Net loans and leases to deposits | 111.2641% | 159 |
| Net loans and leases to core deposits | 113.5412% | 593 |
| Total domestic deposits to total assets | 73.5050% | 6,886 |
| Equity capital to assets | 10.8250% | 3,154 |
| Core capital (leverage) ratio | 10.8250% | 2,397 |
| Tier 1 risk-based capital ratio | 15.3519% | 3,324 |
| Total risk-based capital ratio | 15.8258% | 3,713 |
| Memoranda: | ||
| Average total assets | $20,213,000 | 7,345 |
| Average earning assets | $17,160,000 | 7,346 |
| Average equity | $2,252,000 | 7,306 |
| Average total loans | $16,150,670 | 6,974 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4248% | 1,491 |
| Cost of funding earning assets | 1.6204% | 757 |
| Net interest margin | 3.8044% | 3,594 |
| Noninterest income to average assets | 0.7149% | 2,488 |
| Noninterest expense to average assets | 4.7657% | 444 |
| Loan and lease loss provision to assets | 0.1787% | 3,832 |
| Net operating income to assets | -1.0127% | 7,050 |
| Return on assets (ROA) | -0.9730% | 7,038 |
| Pretax return on assets | -0.9730% | 6,988 |
| Return on Equity (ROE) | -8.6097% | 6,980 |
| Retained earnings to average equity (ytd only) | -8.6097% | 6,791 |
| Net charge-offs to loans | 0.1260% | 3,764 |
| Credit loss provision to net charge-offs | 180.0000% | 1,623 |
| Earnings coverage of net charge-offs (x) | -8.4000% | 5,051 |
| Efficiency ratio | 121.2121% | 330 |
| Assets per employee ($millions) | 2.4661% | 7,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4121% | 7,341 |
| Loan loss allowance to noncurrent loans | 30.8057% | 6,251 |
| Noncurrent assets plus other real estate owned to assets | 2.8587% | 2,411 |
| Noncurrent loans to loans | 1.3377% | 4,473 |
| Net loans and leases to total assets | 79.6188% | 549 |
| Net loans and leases to deposits | 102.9358% | 349 |
| Net loans and leases to core deposits | 105.0000% | 1,000 |
| Total domestic deposits to total assets | 77.3481% | 6,477 |
| Equity capital to assets | 11.4147% | 2,337 |
| Core capital (leverage) ratio | 11.4147% | 1,901 |
| Tier 1 risk-based capital ratio | 16.3378% | 2,734 |
| Total risk-based capital ratio | 16.8093% | 3,083 |
| Memoranda: | ||
| Average total assets | $20,144,000 | 7,402 |
| Average earning assets | $17,033,000 | 7,406 |
| Average equity | $2,276,500 | 7,348 |
| Average total loans | $15,870,000 | 7,041 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8060% | 1,264 |
| Cost of funding earning assets | 1.9073% | 821 |
| Net interest margin | 3.8987% | 3,497 |
| Noninterest income to average assets | 0.8000% | 2,285 |
| Noninterest expense to average assets | 4.6524% | 572 |
| Loan and lease loss provision to assets | 0.0905% | 6,237 |
| Net operating income to assets | -0.6333% | 6,471 |
| Return on assets (ROA) | -0.5286% | 6,438 |
| Pretax return on assets | -0.5286% | 6,342 |
| Return on Equity (ROE) | -4.7038% | 6,409 |
| Retained earnings to average equity (ytd only) | -4.7038% | 6,270 |
| Net charge-offs to loans | 0.0775% | 6,039 |
| Credit loss provision to net charge-offs | 146.1538% | 2,519 |
| Earnings coverage of net charge-offs (x) | -8.7692% | 6,795 |
| Efficiency ratio | 113.2097% | 486 |
| Assets per employee ($millions) | 2.5699% | 6,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3820% | 7,436 |
| Loan loss allowance to noncurrent loans | 62.2449% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 2.1742% | 3,124 |
| Noncurrent loans to loans | 0.6138% | 5,821 |
| Net loans and leases to total assets | 77.3676% | 1,036 |
| Net loans and leases to deposits | 104.2060% | 391 |
| Net loans and leases to core deposits | 106.2951% | 1,173 |
| Total domestic deposits to total assets | 74.2449% | 6,859 |
| Equity capital to assets | 11.1922% | 2,519 |
| Core capital (leverage) ratio | 11.1922% | 2,021 |
| Tier 1 risk-based capital ratio | 16.5124% | 2,517 |
| Total risk-based capital ratio | 16.9501% | 2,856 |
| Memoranda: | ||
| Average total assets | $20,999,800 | 7,441 |
| Average earning assets | $17,826,400 | 7,451 |
| Average equity | $2,359,800 | 7,434 |
| Average total loans | $16,768,200 | 7,081 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7944% | 1,413 |
| Cost of funding earning assets | 1.9265% | 946 |
| Net interest margin | 3.8679% | 3,667 |
| Noninterest income to average assets | 0.7453% | 2,549 |
| Noninterest expense to average assets | 4.6233% | 523 |
| Loan and lease loss provision to assets | 0.1200% | 5,831 |
| Net operating income to assets | -0.7137% | 6,737 |
| Return on assets (ROA) | -0.6063% | 6,715 |
| Pretax return on assets | -0.6063% | 6,616 |
| Return on Equity (ROE) | -5.3906% | 6,675 |
| Retained earnings to average equity (ytd only) | -5.3906% | 6,585 |
| Net charge-offs to loans | 0.0865% | 5,669 |
| Credit loss provision to net charge-offs | 172.7273% | 2,134 |
| Earnings coverage of net charge-offs (x) | -8.5433% | 6,620 |
| Efficiency ratio | 114.7335% | 454 |
| Assets per employee ($millions) | 2.6516% | 6,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3850% | 7,544 |
| Loan loss allowance to noncurrent loans | 32.6425% | 6,159 |
| Noncurrent assets plus other real estate owned to assets | 2.0412% | 3,416 |
| Noncurrent loans to loans | 1.1795% | 4,888 |
| Net loans and leases to total assets | 76.8397% | 1,250 |
| Net loans and leases to deposits | 105.4811% | 380 |
| Net loans and leases to core deposits | 109.3960% | 1,071 |
| Total domestic deposits to total assets | 72.8468% | 7,047 |
| Equity capital to assets | 10.9178% | 3,038 |
| Core capital (leverage) ratio | 10.9178% | 2,322 |
| Tier 1 risk-based capital ratio | 16.4255% | 2,588 |
| Total risk-based capital ratio | 16.8723% | 2,902 |
| Memoranda: | ||
| Average total assets | $21,110,000 | 7,531 |
| Average earning assets | $17,924,750 | 7,548 |
| Average equity | $2,374,500 | 7,524 |
| Average total loans | $16,968,500 | 7,169 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8075% | 1,405 |
| Cost of funding earning assets | 1.9544% | 1,029 |
| Net interest margin | 3.8530% | 3,666 |
| Noninterest income to average assets | 0.7117% | 2,639 |
| Noninterest expense to average assets | 4.5835% | 526 |
| Loan and lease loss provision to assets | 0.1518% | 5,383 |
| Net operating income to assets | -0.7497% | 6,835 |
| Return on assets (ROA) | -0.7497% | 6,850 |
| Pretax return on assets | -0.7497% | 6,754 |
| Return on Equity (ROE) | -6.5998% | 6,808 |
| Retained earnings to average equity (ytd only) | -6.5998% | 6,705 |
| Net charge-offs to loans | 0.0699% | 5,440 |
| Credit loss provision to net charge-offs | 266.6667% | 1,419 |
| Earnings coverage of net charge-offs (x) | -10.5000% | 6,327 |
| Efficiency ratio | 115.0000% | 478 |
| Assets per employee ($millions) | 2.5991% | 6,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3821% | 7,605 |
| Loan loss allowance to noncurrent loans | 34.2105% | 6,086 |
| Noncurrent assets plus other real estate owned to assets | 2.0680% | 3,425 |
| Noncurrent loans to loans | 1.1168% | 5,089 |
| Net loans and leases to total assets | 81.5082% | 596 |
| Net loans and leases to deposits | 112.7012% | 223 |
| Net loans and leases to core deposits | 117.0038% | 806 |
| Total domestic deposits to total assets | 72.3224% | 7,155 |
| Equity capital to assets | 11.2201% | 2,669 |
| Core capital (leverage) ratio | 11.2201% | 2,088 |
| Tier 1 risk-based capital ratio | 16.4296% | 2,505 |
| Total risk-based capital ratio | 16.8873% | 2,798 |
| Memoranda: | ||
| Average total assets | $21,075,670 | 7,596 |
| Average earning assets | $17,908,000 | 7,614 |
| Average equity | $2,394,000 | 7,574 |
| Average total loans | $17,170,330 | 7,214 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8786% | 1,253 |
| Cost of funding earning assets | 2.0187% | 1,021 |
| Net interest margin | 3.8599% | 3,509 |
| Noninterest income to average assets | 0.6410% | 2,989 |
| Noninterest expense to average assets | 4.6001% | 515 |
| Loan and lease loss provision to assets | 0.2639% | 3,917 |
| Net operating income to assets | -0.9426% | 7,077 |
| Return on assets (ROA) | -0.9426% | 7,102 |
| Pretax return on assets | -0.9426% | 7,024 |
| Return on Equity (ROE) | -8.2491% | 7,068 |
| Retained earnings to average equity (ytd only) | -8.2491% | 6,850 |
| Net charge-offs to loans | 0.1623% | 3,951 |
| Credit loss provision to net charge-offs | 200.0000% | 1,845 |
| Earnings coverage of net charge-offs (x) | -5.1429% | 5,538 |
| Efficiency ratio | 117.3077% | 478 |
| Assets per employee ($millions) | 2.6273% | 6,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3998% | 7,689 |
| Loan loss allowance to noncurrent loans | 62.1622% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 1.6938% | 3,941 |
| Noncurrent loans to loans | 0.6431% | 6,034 |
| Net loans and leases to total assets | 81.7918% | 617 |
| Net loans and leases to deposits | 113.3522% | 218 |
| Net loans and leases to core deposits | 117.6177% | 884 |
| Total domestic deposits to total assets | 72.1572% | 7,251 |
| Equity capital to assets | 11.4521% | 2,403 |
| Core capital (leverage) ratio | 11.4521% | 1,939 |
| Tier 1 risk-based capital ratio | 16.5600% | 2,426 |
| Total risk-based capital ratio | 17.0347% | 2,678 |
| Memoranda: | ||
| Average total assets | $21,217,000 | 7,694 |
| Average earning assets | $18,031,500 | 7,706 |
| Average equity | $2,424,500 | 7,656 |
| Average total loans | $17,249,000 | 7,300 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9279% | 2,139 |
| Cost of funding earning assets | 2.4495% | 1,158 |
| Net interest margin | 3.4783% | 5,049 |
| Noninterest income to average assets | 1.2718% | 935 |
| Noninterest expense to average assets | 4.5804% | 732 |
| Loan and lease loss provision to assets | 0.2018% | 5,730 |
| Net operating income to assets | -0.5115% | 6,195 |
| Return on assets (ROA) | -0.2393% | 5,883 |
| Pretax return on assets | -0.2393% | 5,750 |
| Return on Equity (ROE) | -2.0791% | 5,870 |
| Retained earnings to average equity (ytd only) | -2.0791% | 5,534 |
| Net charge-offs to loans | 0.1196% | 5,980 |
| Credit loss provision to net charge-offs | 204.7619% | 1,886 |
| Earnings coverage of net charge-offs (x) | -3.1429% | 7,062 |
| Efficiency ratio | 107.2527% | 864 |
| Assets per employee ($millions) | 2.6770% | 6,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3771% | 7,775 |
| Loan loss allowance to noncurrent loans | 17.1958% | 7,178 |
| Noncurrent assets plus other real estate owned to assets | 2.4281% | 2,867 |
| Noncurrent loans to loans | 2.1928% | 3,394 |
| Net loans and leases to total assets | 80.1877% | 960 |
| Net loans and leases to deposits | 115.2782% | 245 |
| Net loans and leases to core deposits | 148.8773% | 536 |
| Total domestic deposits to total assets | 69.5601% | 7,456 |
| Equity capital to assets | 11.4027% | 2,389 |
| Core capital (leverage) ratio | 11.4027% | 1,968 |
| Tier 1 risk-based capital ratio | 16.3959% | 2,357 |
| Total risk-based capital ratio | 16.8323% | 2,631 |
| Memoranda: | ||
| Average total assets | $21,308,400 | 7,742 |
| Average earning assets | $18,370,800 | 7,750 |
| Average equity | $2,453,000 | 7,741 |
| Average total loans | $17,551,400 | 7,330 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0045% | 2,020 |
| Cost of funding earning assets | 2.5382% | 1,181 |
| Net interest margin | 3.4664% | 5,006 |
| Noninterest income to average assets | 0.7706% | 2,597 |
| Noninterest expense to average assets | 4.5359% | 718 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.7706% | 6,664 |
| Return on assets (ROA) | -0.4448% | 6,374 |
| Pretax return on assets | -0.4448% | 6,244 |
| Return on Equity (ROE) | -3.8546% | 6,329 |
| Retained earnings to average equity (ytd only) | -3.8546% | 6,091 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.4659% | 581 |
| Assets per employee ($millions) | 2.6349% | 6,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2476% | 7,941 |
| Loan loss allowance to noncurrent loans | 26.8750% | 6,671 |
| Noncurrent assets plus other real estate owned to assets | 1.4327% | 4,240 |
| Noncurrent loans to loans | 0.9211% | 5,447 |
| Net loans and leases to total assets | 82.2003% | 773 |
| Net loans and leases to deposits | 122.5216% | 165 |
| Net loans and leases to core deposits | 150.0563% | 575 |
| Total domestic deposits to total assets | 67.0905% | 7,633 |
| Equity capital to assets | 11.4901% | 2,593 |
| Core capital (leverage) ratio | 11.4901% | 2,082 |
| Tier 1 risk-based capital ratio | 16.0834% | 2,598 |
| Total risk-based capital ratio | 16.3689% | 2,928 |
| Memoranda: | ||
| Average total assets | $21,281,500 | 7,814 |
| Average earning assets | $18,385,750 | 7,827 |
| Average equity | $2,455,750 | 7,819 |
| Average total loans | $17,629,750 | 7,394 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0037% | 2,169 |
| Cost of funding earning assets | 2.6178% | 1,239 |
| Net interest margin | 3.3859% | 5,231 |
| Noninterest income to average assets | 0.8057% | 2,382 |
| Noninterest expense to average assets | 4.5716% | 723 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.8338% | 6,850 |
| Return on assets (ROA) | -0.3747% | 6,428 |
| Pretax return on assets | -0.3747% | 6,300 |
| Return on Equity (ROE) | -3.2428% | 6,393 |
| Retained earnings to average equity (ytd only) | -3.2428% | 6,008 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.3058% | 627 |
| Assets per employee ($millions) | 2.7098% | 6,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2412% | 8,034 |
| Loan loss allowance to noncurrent loans | 35.2459% | 6,091 |
| Noncurrent assets plus other real estate owned to assets | 1.2178% | 4,500 |
| Noncurrent loans to loans | 0.6843% | 5,878 |
| Net loans and leases to total assets | 82.0417% | 951 |
| Net loans and leases to deposits | 120.8056% | 216 |
| Net loans and leases to core deposits | 150.6437% | 636 |
| Total domestic deposits to total assets | 67.9122% | 7,629 |
| Equity capital to assets | 11.3156% | 2,667 |
| Core capital (leverage) ratio | 11.3156% | 2,185 |
| Tier 1 risk-based capital ratio | 16.3055% | 2,516 |
| Total risk-based capital ratio | 16.5913% | 2,806 |
| Memoranda: | ||
| Average total assets | $21,349,000 | 7,892 |
| Average earning assets | $18,488,670 | 7,899 |
| Average equity | $2,467,000 | 7,887 |
| Average total loans | $17,716,330 | 7,454 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1398% | 1,798 |
| Cost of funding earning assets | 2.7215% | 1,201 |
| Net interest margin | 3.4182% | 5,059 |
| Noninterest income to average assets | 0.6609% | 3,128 |
| Noninterest expense to average assets | 4.3617% | 814 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.7364% | 7,086 |
| Return on assets (ROA) | -0.0755% | 6,491 |
| Pretax return on assets | -0.0755% | 6,458 |
| Return on Equity (ROE) | -0.6467% | 6,485 |
| Retained earnings to average equity (ytd only) | -0.6467% | 5,795 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.3125% | 621 |
| Assets per employee ($millions) | 2.6141% | 7,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2445% | 8,074 |
| Loan loss allowance to noncurrent loans | 286.6667% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.7985% | 5,181 |
| Noncurrent loans to loans | 0.0853% | 7,280 |
| Net loans and leases to total assets | 83.8808% | 706 |
| Net loans and leases to deposits | 126.5291% | 184 |
| Net loans and leases to core deposits | 163.5008% | 444 |
| Total domestic deposits to total assets | 66.2937% | 7,714 |
| Equity capital to assets | 11.8204% | 2,368 |
| Core capital (leverage) ratio | 11.8204% | 1,989 |
| Tier 1 risk-based capital ratio | 16.7412% | 2,429 |
| Total risk-based capital ratio | 17.0324% | 2,700 |
| Memoranda: | ||
| Average total assets | $21,184,500 | 7,948 |
| Average earning assets | $18,372,000 | 7,950 |
| Average equity | $2,474,000 | 7,936 |
| Average total loans | $17,660,500 | 7,498 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2789% | 4,074 |
| Cost of funding earning assets | 2.7477% | 2,938 |
| Net interest margin | 3.5312% | 5,185 |
| Noninterest income to average assets | 0.8375% | 2,308 |
| Noninterest expense to average assets | 4.0916% | 1,292 |
| Loan and lease loss provision to assets | 0.1514% | 5,430 |
| Net operating income to assets | -0.2270% | 6,650 |
| Return on assets (ROA) | -0.1312% | 6,384 |
| Pretax return on assets | -0.1261% | 6,296 |
| Return on Equity (ROE) | -1.0400% | 6,374 |
| Retained earnings to average equity (ytd only) | -1.0400% | 5,612 |
| Net charge-offs to loans | 0.0176% | 6,623 |
| Credit loss provision to net charge-offs | 1,000.0000% | 441 |
| Earnings coverage of net charge-offs (x) | -4.6667% | 6,825 |
| Efficiency ratio | 101.7566% | 919 |
| Assets per employee ($millions) | 3.5760% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2424% | 8,131 |
| Loan loss allowance to noncurrent loans | 238.8889% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.7923% | 4,872 |
| Noncurrent loans to loans | 0.1015% | 7,109 |
| Net loans and leases to total assets | 82.4618% | 1,142 |
| Net loans and leases to deposits | 122.5956% | 338 |
| Net loans and leases to core deposits | 162.0683% | 532 |
| Total domestic deposits to total assets | 67.2632% | 7,543 |
| Equity capital to assets | 11.5399% | 2,610 |
| Core capital (leverage) ratio | 11.5399% | 2,227 |
| Tier 1 risk-based capital ratio | 16.7842% | 2,391 |
| Total risk-based capital ratio | 17.0757% | 2,674 |
| Memoranda: | ||
| Average total assets | $19,821,200 | 8,022 |
| Average earning assets | $17,869,400 | 8,006 |
| Average equity | $2,500,000 | 7,986 |
| Average total loans | $17,060,200 | 7,520 |