Home > Cresson Community Bank > Performance and Condition Ratios
Cresson Community Bank, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0951% | 5,635 |
| Cost of funding earning assets | 0.8385% | 406 |
| Net interest margin | 2.2566% | 5,969 |
| Noninterest income to average assets | 0.1476% | 5,674 |
| Noninterest expense to average assets | 2.0509% | 5,351 |
| Loan and lease loss provision to assets | 0.0386% | 3,566 |
| Net operating income to assets | 0.2415% | 5,501 |
| Return on assets (ROA) | 0.4092% | 5,106 |
| Pretax return on assets | 0.3740% | 5,373 |
| Return on Equity (ROE) | 3.3439% | 5,186 |
| Retained earnings to average equity (ytd only) | 3.3439% | 3,673 |
| Net charge-offs to loans | 0.2006% | 1,454 |
| Credit loss provision to net charge-offs | 57.5000% | 3,289 |
| Earnings coverage of net charge-offs (x) | 3.6500% | 3,685 |
| Efficiency ratio | 89.3353% | 732 |
| Assets per employee ($millions) | 6.5682% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5273% | 5,901 |
| Loan loss allowance to noncurrent loans | 19.3798% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 0.8729% | 2,488 |
| Noncurrent loans to loans | 2.7208% | 642 |
| Net loans and leases to total assets | 31.9129% | 5,840 |
| Net loans and leases to deposits | 37.1336% | 5,861 |
| Net loans and leases to core deposits | 39.0475% | 5,851 |
| Total domestic deposits to total assets | 85.9407% | 2,669 |
| Equity capital to assets | 12.5300% | 1,608 |
| Core capital (leverage) ratio | 12.6066% | 1,305 |
| Tier 1 risk-based capital ratio | 36.7794% | 286 |
| Total risk-based capital ratio | 37.2759% | 302 |
| Memoranda: | ||
| Average total assets | $59,632,600 | 5,329 |
| Average earning assets | $56,767,400 | 5,273 |
| Average equity | $7,296,800 | 5,188 |
| Average total loans | $19,939,200 | 5,721 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1484% | 5,646 |
| Cost of funding earning assets | 0.8597% | 360 |
| Net interest margin | 2.2887% | 6,039 |
| Noninterest income to average assets | 0.1406% | 5,780 |
| Noninterest expense to average assets | 2.0860% | 5,304 |
| Loan and lease loss provision to assets | 0.0513% | 3,178 |
| Net operating income to assets | 0.1562% | 5,759 |
| Return on assets (ROA) | 0.3458% | 5,414 |
| Pretax return on assets | 0.4060% | 5,453 |
| Return on Equity (ROE) | 2.8429% | 5,441 |
| Retained earnings to average equity (ytd only) | 2.8429% | 4,416 |
| Net charge-offs to loans | 0.2642% | 1,002 |
| Credit loss provision to net charge-offs | 57.5000% | 2,938 |
| Earnings coverage of net charge-offs (x) | 2.6252% | 3,634 |
| Efficiency ratio | 89.9038% | 710 |
| Assets per employee ($millions) | 6.5540% | 1,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5173% | 6,004 |
| Loan loss allowance to noncurrent loans | 18.6916% | 5,590 |
| Noncurrent assets plus other real estate owned to assets | 0.9070% | 2,603 |
| Noncurrent loans to loans | 2.7676% | 682 |
| Net loans and leases to total assets | 32.6027% | 5,905 |
| Net loans and leases to deposits | 37.9280% | 5,930 |
| Net loans and leases to core deposits | 39.8777% | 5,920 |
| Total domestic deposits to total assets | 85.9594% | 2,542 |
| Equity capital to assets | 12.4368% | 1,779 |
| Core capital (leverage) ratio | 12.3627% | 1,483 |
| Tier 1 risk-based capital ratio | 37.6244% | 289 |
| Total risk-based capital ratio | 38.1372% | 304 |
| Memoranda: | ||
| Average total assets | $59,762,250 | 5,394 |
| Average earning assets | $56,916,500 | 5,338 |
| Average equity | $7,269,250 | 5,261 |
| Average total loans | $20,182,750 | 5,783 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1810% | 5,650 |
| Cost of funding earning assets | 0.8634% | 345 |
| Net interest margin | 2.3176% | 6,090 |
| Noninterest income to average assets | 0.1333% | 5,891 |
| Noninterest expense to average assets | 2.1326% | 5,268 |
| Loan and lease loss provision to assets | 0.0766% | 2,590 |
| Net operating income to assets | 0.1133% | 5,859 |
| Return on assets (ROA) | 0.3965% | 5,252 |
| Pretax return on assets | 0.4665% | 5,312 |
| Return on Equity (ROE) | 3.2841% | 5,314 |
| Retained earnings to average equity (ytd only) | 3.2841% | 3,960 |
| Net charge-offs to loans | 0.4104% | 632 |
| Credit loss provision to net charge-offs | 54.7619% | 2,652 |
| Earnings coverage of net charge-offs (x) | 1.5000% | 3,504 |
| Efficiency ratio | 91.0384% | 684 |
| Assets per employee ($millions) | 5.9967% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4938% | 6,092 |
| Loan loss allowance to noncurrent loans | 18.3865% | 5,696 |
| Noncurrent assets plus other real estate owned to assets | 0.8888% | 2,766 |
| Noncurrent loans to loans | 2.6858% | 805 |
| Net loans and leases to total assets | 32.9298% | 5,933 |
| Net loans and leases to deposits | 38.4123% | 5,963 |
| Net loans and leases to core deposits | 40.1443% | 5,951 |
| Total domestic deposits to total assets | 85.7271% | 2,828 |
| Equity capital to assets | 12.1734% | 1,894 |
| Core capital (leverage) ratio | 12.0761% | 1,611 |
| Tier 1 risk-based capital ratio | 38.0169% | 291 |
| Total risk-based capital ratio | 38.5272% | 300 |
| Memoranda: | ||
| Average total assets | $60,021,000 | 5,446 |
| Average earning assets | $57,214,330 | 5,390 |
| Average equity | $7,247,000 | 5,306 |
| Average total loans | $20,466,670 | 5,827 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0848% | 5,799 |
| Cost of funding earning assets | 0.8674% | 344 |
| Net interest margin | 2.2174% | 6,197 |
| Noninterest income to average assets | 0.1332% | 5,935 |
| Noninterest expense to average assets | 2.1916% | 5,174 |
| Loan and lease loss provision to assets | 0.0999% | 2,026 |
| Net operating income to assets | -0.0400% | 6,050 |
| Return on assets (ROA) | 0.5262% | 4,679 |
| Pretax return on assets | 0.6195% | 4,858 |
| Return on Equity (ROE) | 4.3764% | 4,813 |
| Retained earnings to average equity (ytd only) | 4.3764% | 3,397 |
| Net charge-offs to loans | 0.3080% | 770 |
| Credit loss provision to net charge-offs | 93.7500% | 1,719 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 3,043 |
| Efficiency ratio | 97.6261% | 445 |
| Assets per employee ($millions) | 6.7031% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5678% | 6,098 |
| Loan loss allowance to noncurrent loans | 14.1983% | 5,772 |
| Noncurrent assets plus other real estate owned to assets | 1.4272% | 1,852 |
| Noncurrent loans to loans | 3.9990% | 441 |
| Net loans and leases to total assets | 33.6726% | 5,937 |
| Net loans and leases to deposits | 39.2011% | 5,942 |
| Net loans and leases to core deposits | 40.8634% | 5,946 |
| Total domestic deposits to total assets | 85.8971% | 2,998 |
| Equity capital to assets | 12.0342% | 2,002 |
| Core capital (leverage) ratio | 12.0050% | 1,633 |
| Tier 1 risk-based capital ratio | 32.2437% | 450 |
| Total risk-based capital ratio | 32.7589% | 473 |
| Memoranda: | ||
| Average total assets | $60,048,000 | 5,501 |
| Average earning assets | $57,183,500 | 5,442 |
| Average equity | $7,220,500 | 5,360 |
| Average total loans | $20,777,500 | 5,864 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1589% | 5,885 |
| Cost of funding earning assets | 0.9006% | 388 |
| Net interest margin | 2.2584% | 6,287 |
| Noninterest income to average assets | 0.1610% | 5,895 |
| Noninterest expense to average assets | 1.9087% | 5,922 |
| Loan and lease loss provision to assets | 0.0365% | 3,850 |
| Net operating income to assets | 0.3635% | 5,344 |
| Return on assets (ROA) | 0.3635% | 5,417 |
| Pretax return on assets | 0.3635% | 5,579 |
| Return on Equity (ROE) | 3.0950% | 5,440 |
| Retained earnings to average equity (ytd only) | 3.0950% | 4,037 |
| Net charge-offs to loans | 0.2276% | 1,851 |
| Credit loss provision to net charge-offs | 44.8980% | 3,590 |
| Earnings coverage of net charge-offs (x) | 4.9184% | 3,536 |
| Efficiency ratio | 82.6743% | 1,573 |
| Assets per employee ($millions) | 6.6409% | 985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5538% | 6,201 |
| Loan loss allowance to noncurrent loans | 14.0794% | 5,896 |
| Noncurrent assets plus other real estate owned to assets | 1.3904% | 2,005 |
| Noncurrent loans to loans | 3.9337% | 482 |
| Net loans and leases to total assets | 35.1492% | 5,990 |
| Net loans and leases to deposits | 40.8716% | 6,005 |
| Net loans and leases to core deposits | 42.7409% | 6,004 |
| Total domestic deposits to total assets | 85.9992% | 2,843 |
| Equity capital to assets | 12.0148% | 2,010 |
| Core capital (leverage) ratio | 11.9564% | 1,653 |
| Tier 1 risk-based capital ratio | 31.4088% | 461 |
| Total risk-based capital ratio | 31.9206% | 475 |
| Memoranda: | ||
| Average total assets | $60,251,600 | 5,543 |
| Average earning assets | $57,298,000 | 5,477 |
| Average equity | $7,076,000 | 5,397 |
| Average total loans | $21,530,800 | 5,901 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1710% | 5,933 |
| Cost of funding earning assets | 0.9200% | 368 |
| Net interest margin | 2.2511% | 6,360 |
| Noninterest income to average assets | 0.1546% | 5,988 |
| Noninterest expense to average assets | 1.8529% | 6,021 |
| Loan and lease loss provision to assets | 0.0331% | 3,744 |
| Net operating income to assets | 0.3423% | 5,453 |
| Return on assets (ROA) | 0.3423% | 5,524 |
| Pretax return on assets | 0.4086% | 5,562 |
| Return on Equity (ROE) | 2.9315% | 5,559 |
| Retained earnings to average equity (ytd only) | 2.9315% | 4,509 |
| Net charge-offs to loans | 0.3020% | 1,308 |
| Credit loss provision to net charge-offs | 30.6122% | 3,446 |
| Earnings coverage of net charge-offs (x) | 4.0817% | 3,540 |
| Efficiency ratio | 80.7507% | 1,803 |
| Assets per employee ($millions) | 6.7906% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5164% | 6,318 |
| Loan loss allowance to noncurrent loans | 12.7610% | 6,010 |
| Noncurrent assets plus other real estate owned to assets | 1.4105% | 2,189 |
| Noncurrent loans to loans | 4.0466% | 516 |
| Net loans and leases to total assets | 34.6756% | 6,087 |
| Net loans and leases to deposits | 40.1866% | 6,110 |
| Net loans and leases to core deposits | 41.7609% | 6,125 |
| Total domestic deposits to total assets | 86.2865% | 2,709 |
| Equity capital to assets | 11.6453% | 2,365 |
| Core capital (leverage) ratio | 11.7582% | 1,860 |
| Tier 1 risk-based capital ratio | 30.7363% | 491 |
| Total risk-based capital ratio | 31.2114% | 520 |
| Memoranda: | ||
| Average total assets | $60,372,500 | 5,599 |
| Average earning assets | $57,393,250 | 5,531 |
| Average equity | $7,049,750 | 5,451 |
| Average total loans | $21,632,250 | 5,960 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2255% | 5,913 |
| Cost of funding earning assets | 0.9236% | 378 |
| Net interest margin | 2.3019% | 6,404 |
| Noninterest income to average assets | 0.1497% | 6,060 |
| Noninterest expense to average assets | 1.8195% | 6,119 |
| Loan and lease loss provision to assets | 0.0166% | 3,927 |
| Net operating income to assets | 0.4225% | 5,125 |
| Return on assets (ROA) | 0.4225% | 5,208 |
| Pretax return on assets | 0.5023% | 5,270 |
| Return on Equity (ROE) | 3.6145% | 5,299 |
| Retained earnings to average equity (ytd only) | 3.6145% | 3,891 |
| Net charge-offs to loans | 0.1104% | 2,564 |
| Credit loss provision to net charge-offs | 41.6667% | 2,903 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 2,013 |
| Efficiency ratio | 77.8094% | 2,321 |
| Assets per employee ($millions) | 6.6104% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6361% | 6,259 |
| Loan loss allowance to noncurrent loans | 19.1608% | 6,006 |
| Noncurrent assets plus other real estate owned to assets | 1.2018% | 2,685 |
| Noncurrent loans to loans | 3.3197% | 831 |
| Net loans and leases to total assets | 35.9717% | 6,054 |
| Net loans and leases to deposits | 42.3698% | 6,056 |
| Net loans and leases to core deposits | 43.6996% | 6,076 |
| Total domestic deposits to total assets | 84.8993% | 3,565 |
| Equity capital to assets | 11.9155% | 2,053 |
| Core capital (leverage) ratio | 11.8903% | 1,723 |
| Tier 1 risk-based capital ratio | 31.0377% | 482 |
| Total risk-based capital ratio | 31.6375% | 501 |
| Memoranda: | ||
| Average total assets | $60,125,000 | 5,657 |
| Average earning assets | $57,170,000 | 5,579 |
| Average equity | $7,027,330 | 5,482 |
| Average total loans | $21,742,330 | 6,008 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2354% | 5,956 |
| Cost of funding earning assets | 0.9393% | 363 |
| Net interest margin | 2.2961% | 6,476 |
| Noninterest income to average assets | 0.1522% | 6,059 |
| Noninterest expense to average assets | 1.8001% | 6,220 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4566% | 4,908 |
| Return on assets (ROA) | 0.4566% | 4,976 |
| Pretax return on assets | 0.5361% | 5,062 |
| Return on Equity (ROE) | 3.9448% | 5,070 |
| Retained earnings to average equity (ytd only) | 3.9448% | 3,751 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0538% | 2,637 |
| Assets per employee ($millions) | 7.6338% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6630% | 6,324 |
| Loan loss allowance to noncurrent loans | 18.4615% | 6,102 |
| Noncurrent assets plus other real estate owned to assets | 1.2772% | 2,731 |
| Noncurrent loans to loans | 3.5913% | 795 |
| Net loans and leases to total assets | 35.3283% | 6,105 |
| Net loans and leases to deposits | 41.3338% | 6,114 |
| Net loans and leases to core deposits | 42.5820% | 6,139 |
| Total domestic deposits to total assets | 85.4708% | 3,632 |
| Equity capital to assets | 11.5130% | 2,238 |
| Core capital (leverage) ratio | 11.5057% | 1,961 |
| Tier 1 risk-based capital ratio | 30.2461% | 517 |
| Total risk-based capital ratio | 30.8655% | 534 |
| Memoranda: | ||
| Average total assets | $60,440,500 | 5,697 |
| Average earning assets | $57,488,500 | 5,624 |
| Average equity | $6,996,500 | 5,520 |
| Average total loans | $21,844,500 | 6,057 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1962% | 6,131 |
| Cost of funding earning assets | 0.9796% | 498 |
| Net interest margin | 2.2166% | 6,569 |
| Noninterest income to average assets | 0.1548% | 6,161 |
| Noninterest expense to average assets | 1.7045% | 6,438 |
| Loan and lease loss provision to assets | 0.0166% | 4,803 |
| Net operating income to assets | 0.4561% | 4,929 |
| Return on assets (ROA) | 0.4561% | 5,057 |
| Pretax return on assets | 0.5543% | 5,034 |
| Return on Equity (ROE) | 4.0163% | 5,102 |
| Retained earnings to average equity (ytd only) | 4.0163% | 3,334 |
| Net charge-offs to loans | 0.0609% | 4,361 |
| Credit loss provision to net charge-offs | 71.4286% | 3,265 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,364 |
| Efficiency ratio | 74.9086% | 2,967 |
| Assets per employee ($millions) | 7.4764% | 607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6554% | 6,409 |
| Loan loss allowance to noncurrent loans | 16.0894% | 6,225 |
| Noncurrent assets plus other real estate owned to assets | 1.4964% | 2,476 |
| Noncurrent loans to loans | 4.0737% | 705 |
| Net loans and leases to total assets | 36.4916% | 6,173 |
| Net loans and leases to deposits | 42.7894% | 6,183 |
| Net loans and leases to core deposits | 43.8617% | 6,232 |
| Total domestic deposits to total assets | 85.2820% | 3,605 |
| Equity capital to assets | 11.6400% | 2,072 |
| Core capital (leverage) ratio | 11.5156% | 1,949 |
| Tier 1 risk-based capital ratio | 30.1398% | 492 |
| Total risk-based capital ratio | 30.7632% | 516 |
| Memoranda: | ||
| Average total assets | $60,075,800 | 5,751 |
| Average earning assets | $57,474,400 | 5,667 |
| Average equity | $6,822,200 | 5,613 |
| Average total loans | $22,978,600 | 6,081 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1399% | 6,266 |
| Cost of funding earning assets | 0.9834% | 538 |
| Net interest margin | 2.1565% | 6,671 |
| Noninterest income to average assets | 0.1463% | 6,298 |
| Noninterest expense to average assets | 1.6583% | 6,510 |
| Loan and lease loss provision to assets | 0.0111% | 4,772 |
| Net operating income to assets | 0.4323% | 5,102 |
| Return on assets (ROA) | 0.4323% | 5,251 |
| Pretax return on assets | 0.5431% | 5,224 |
| Return on Equity (ROE) | 3.8306% | 5,296 |
| Retained earnings to average equity (ytd only) | 3.8306% | 3,962 |
| Net charge-offs to loans | 0.0861% | 3,719 |
| Credit loss provision to net charge-offs | 33.3333% | 3,833 |
| Earnings coverage of net charge-offs (x) | 16.6665% | 1,786 |
| Efficiency ratio | 74.9499% | 2,916 |
| Assets per employee ($millions) | 7.7273% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6203% | 6,536 |
| Loan loss allowance to noncurrent loans | 14.2562% | 6,329 |
| Noncurrent assets plus other real estate owned to assets | 1.5659% | 2,585 |
| Noncurrent loans to loans | 4.3510% | 769 |
| Net loans and leases to total assets | 35.7663% | 6,290 |
| Net loans and leases to deposits | 41.6604% | 6,328 |
| Net loans and leases to core deposits | 42.6579% | 6,368 |
| Total domestic deposits to total assets | 85.8520% | 3,340 |
| Equity capital to assets | 11.1343% | 2,632 |
| Core capital (leverage) ratio | 11.4415% | 2,090 |
| Tier 1 risk-based capital ratio | 29.1900% | 558 |
| Total risk-based capital ratio | 29.7752% | 574 |
| Memoranda: | ||
| Average total assets | $60,142,000 | 5,816 |
| Average earning assets | $57,622,000 | 5,727 |
| Average equity | $6,787,250 | 5,697 |
| Average total loans | $23,230,750 | 6,132 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1647% | 6,275 |
| Cost of funding earning assets | 0.9791% | 601 |
| Net interest margin | 2.1855% | 6,687 |
| Noninterest income to average assets | 0.1309% | 6,400 |
| Noninterest expense to average assets | 1.6414% | 6,557 |
| Loan and lease loss provision to assets | 0.0168% | 4,559 |
| Net operating income to assets | 0.4531% | 5,001 |
| Return on assets (ROA) | 0.4531% | 5,173 |
| Pretax return on assets | 0.5706% | 5,129 |
| Return on Equity (ROE) | 3.9968% | 5,220 |
| Retained earnings to average equity (ytd only) | 3.9968% | 3,751 |
| Net charge-offs to loans | 0.1273% | 3,103 |
| Credit loss provision to net charge-offs | 33.3333% | 3,530 |
| Earnings coverage of net charge-offs (x) | 11.6667% | 2,035 |
| Efficiency ratio | 73.6446% | 3,193 |
| Assets per employee ($millions) | 7.4298% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6085% | 6,607 |
| Loan loss allowance to noncurrent loans | 14.1104% | 6,388 |
| Noncurrent assets plus other real estate owned to assets | 1.6454% | 2,638 |
| Noncurrent loans to loans | 4.3124% | 842 |
| Net loans and leases to total assets | 37.9236% | 6,183 |
| Net loans and leases to deposits | 44.3712% | 6,207 |
| Net loans and leases to core deposits | 45.4767% | 6,253 |
| Total domestic deposits to total assets | 85.4689% | 3,657 |
| Equity capital to assets | 11.4792% | 2,316 |
| Core capital (leverage) ratio | 11.4154% | 2,010 |
| Tier 1 risk-based capital ratio | 29.1906% | 565 |
| Total risk-based capital ratio | 29.7810% | 588 |
| Memoranda: | ||
| Average total assets | $59,583,330 | 5,863 |
| Average earning assets | $57,194,000 | 5,771 |
| Average equity | $6,755,330 | 5,745 |
| Average total loans | $23,558,330 | 6,147 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1957% | 6,299 |
| Cost of funding earning assets | 0.9956% | 630 |
| Net interest margin | 2.2001% | 6,754 |
| Noninterest income to average assets | 0.1073% | 6,546 |
| Noninterest expense to average assets | 1.6293% | 6,645 |
| Loan and lease loss provision to assets | 0.0335% | 4,026 |
| Net operating income to assets | 0.4492% | 4,911 |
| Return on assets (ROA) | 0.4492% | 5,073 |
| Pretax return on assets | 0.5632% | 5,070 |
| Return on Equity (ROE) | 3.9872% | 5,097 |
| Retained earnings to average equity (ytd only) | 3.9872% | 3,839 |
| Net charge-offs to loans | 0.2500% | 1,959 |
| Credit loss provision to net charge-offs | 33.3333% | 2,834 |
| Earnings coverage of net charge-offs (x) | 5.9333% | 2,303 |
| Efficiency ratio | 73.1928% | 3,417 |
| Assets per employee ($millions) | 7.5335% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5822% | 6,728 |
| Loan loss allowance to noncurrent loans | 15.4882% | 6,433 |
| Noncurrent assets plus other real estate owned to assets | 1.4784% | 3,043 |
| Noncurrent loans to loans | 3.7590% | 1,234 |
| Net loans and leases to total assets | 39.1004% | 6,077 |
| Net loans and leases to deposits | 45.5723% | 6,080 |
| Net loans and leases to core deposits | 46.6819% | 6,171 |
| Total domestic deposits to total assets | 85.7984% | 3,637 |
| Equity capital to assets | 11.2083% | 2,729 |
| Core capital (leverage) ratio | 11.2387% | 2,067 |
| Tier 1 risk-based capital ratio | 28.4565% | 614 |
| Total risk-based capital ratio | 29.0378% | 640 |
| Memoranda: | ||
| Average total assets | $59,656,000 | 5,913 |
| Average earning assets | $57,451,500 | 5,812 |
| Average equity | $6,721,500 | 5,810 |
| Average total loans | $23,998,000 | 6,172 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5196% | 6,340 |
| Cost of funding earning assets | 1.1500% | 733 |
| Net interest margin | 2.3695% | 6,799 |
| Noninterest income to average assets | 0.1009% | 6,501 |
| Noninterest expense to average assets | 1.8791% | 6,518 |
| Loan and lease loss provision to assets | 0.0174% | 5,685 |
| Net operating income to assets | 0.4701% | 4,803 |
| Return on assets (ROA) | 0.4419% | 5,168 |
| Pretax return on assets | 0.4889% | 5,313 |
| Return on Equity (ROE) | 3.8912% | 5,186 |
| Retained earnings to average equity (ytd only) | 3.8912% | 3,457 |
| Net charge-offs to loans | 0.0344% | 5,437 |
| Credit loss provision to net charge-offs | 111.1111% | 2,626 |
| Earnings coverage of net charge-offs (x) | 34.3333% | 910 |
| Efficiency ratio | 77.7538% | 2,488 |
| Assets per employee ($millions) | 8.4349% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6092% | 6,745 |
| Loan loss allowance to noncurrent loans | 16.1045% | 6,467 |
| Noncurrent assets plus other real estate owned to assets | 1.6970% | 2,851 |
| Noncurrent loans to loans | 3.7830% | 1,277 |
| Net loans and leases to total assets | 40.8932% | 6,105 |
| Net loans and leases to deposits | 47.4912% | 6,143 |
| Net loans and leases to core deposits | 48.6618% | 6,227 |
| Total domestic deposits to total assets | 86.1070% | 3,296 |
| Equity capital to assets | 11.3271% | 2,607 |
| Core capital (leverage) ratio | 11.4249% | 1,926 |
| Tier 1 risk-based capital ratio | 28.2611% | 609 |
| Total risk-based capital ratio | 28.8865% | 635 |
| Memoranda: | ||
| Average total assets | $57,475,400 | 5,986 |
| Average earning assets | $56,171,800 | 5,861 |
| Average equity | $6,527,600 | 5,886 |
| Average total loans | $26,185,200 | 6,129 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4455% | 6,566 |
| Cost of funding earning assets | 1.1843% | 741 |
| Net interest margin | 2.2612% | 6,960 |
| Noninterest income to average assets | 0.0958% | 6,632 |
| Noninterest expense to average assets | 1.8522% | 6,610 |
| Loan and lease loss provision to assets | 0.0117% | 5,662 |
| Net operating income to assets | 0.3750% | 5,352 |
| Return on assets (ROA) | 0.4088% | 5,443 |
| Pretax return on assets | 0.4835% | 5,508 |
| Return on Equity (ROE) | 3.5966% | 5,455 |
| Retained earnings to average equity (ytd only) | 3.5966% | 4,346 |
| Net charge-offs to loans | 0.0150% | 5,480 |
| Credit loss provision to net charge-offs | 166.6667% | 1,665 |
| Earnings coverage of net charge-offs (x) | 64.9975% | 617 |
| Efficiency ratio | 80.2632% | 2,056 |
| Assets per employee ($millions) | 8.3809% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5789% | 6,889 |
| Loan loss allowance to noncurrent loans | 15.9188% | 6,581 |
| Noncurrent assets plus other real estate owned to assets | 1.6176% | 3,161 |
| Noncurrent loans to loans | 3.6366% | 1,486 |
| Net loans and leases to total assets | 43.6181% | 5,998 |
| Net loans and leases to deposits | 50.2100% | 6,090 |
| Net loans and leases to core deposits | 51.4372% | 6,217 |
| Total domestic deposits to total assets | 86.8714% | 2,753 |
| Equity capital to assets | 11.2109% | 3,023 |
| Core capital (leverage) ratio | 11.4960% | 1,989 |
| Tier 1 risk-based capital ratio | 27.4248% | 707 |
| Total risk-based capital ratio | 28.0432% | 741 |
| Memoranda: | ||
| Average total assets | $57,083,250 | 6,066 |
| Average earning assets | $55,840,250 | 5,937 |
| Average equity | $6,487,500 | 5,965 |
| Average total loans | $26,658,250 | 6,183 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5432% | 6,555 |
| Cost of funding earning assets | 1.2269% | 726 |
| Net interest margin | 2.3163% | 7,001 |
| Noninterest income to average assets | 0.1026% | 6,667 |
| Noninterest expense to average assets | 1.8424% | 6,698 |
| Loan and lease loss provision to assets | 0.0177% | 5,444 |
| Net operating income to assets | 0.4067% | 5,189 |
| Return on assets (ROA) | 0.4067% | 5,427 |
| Pretax return on assets | 0.5057% | 5,425 |
| Return on Equity (ROE) | 3.5617% | 5,457 |
| Retained earnings to average equity (ytd only) | 3.5617% | 4,226 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8774% | 2,474 |
| Assets per employee ($millions) | 8.1601% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5810% | 6,950 |
| Loan loss allowance to noncurrent loans | 16.1530% | 6,613 |
| Noncurrent assets plus other real estate owned to assets | 1.6474% | 3,253 |
| Noncurrent loans to loans | 3.5965% | 1,592 |
| Net loans and leases to total assets | 45.5384% | 5,860 |
| Net loans and leases to deposits | 51.4661% | 6,061 |
| Net loans and leases to core deposits | 52.7285% | 6,185 |
| Total domestic deposits to total assets | 88.4823% | 1,831 |
| Equity capital to assets | 11.4091% | 2,679 |
| Core capital (leverage) ratio | 11.5332% | 1,881 |
| Tier 1 risk-based capital ratio | 27.3483% | 697 |
| Total risk-based capital ratio | 27.9831% | 734 |
| Memoranda: | ||
| Average total assets | $56,555,670 | 6,124 |
| Average earning assets | $55,260,330 | 5,986 |
| Average equity | $6,457,670 | 5,996 |
| Average total loans | $26,965,000 | 6,206 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5588% | 6,623 |
| Cost of funding earning assets | 1.2809% | 681 |
| Net interest margin | 2.2779% | 7,065 |
| Noninterest income to average assets | 0.1066% | 6,707 |
| Noninterest expense to average assets | 1.8695% | 6,699 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3696% | 5,385 |
| Return on assets (ROA) | 0.3696% | 5,568 |
| Pretax return on assets | 0.4620% | 5,552 |
| Return on Equity (ROE) | 3.2358% | 5,620 |
| Retained earnings to average equity (ytd only) | 3.2358% | 4,628 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1829% | 2,177 |
| Assets per employee ($millions) | 8.0994% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5471% | 7,029 |
| Loan loss allowance to noncurrent loans | 12.8384% | 6,721 |
| Noncurrent assets plus other real estate owned to assets | 2.0195% | 2,871 |
| Noncurrent loans to loans | 4.2616% | 1,408 |
| Net loans and leases to total assets | 47.1303% | 5,664 |
| Net loans and leases to deposits | 53.2747% | 5,884 |
| Net loans and leases to core deposits | 54.5850% | 6,016 |
| Total domestic deposits to total assets | 88.4666% | 2,032 |
| Equity capital to assets | 11.3835% | 2,540 |
| Core capital (leverage) ratio | 11.3307% | 2,013 |
| Tier 1 risk-based capital ratio | 27.0806% | 721 |
| Total risk-based capital ratio | 27.6945% | 757 |
| Memoranda: | ||
| Average total assets | $56,273,000 | 6,171 |
| Average earning assets | $54,962,000 | 6,035 |
| Average equity | $6,428,000 | 6,037 |
| Average total loans | $27,365,500 | 6,230 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7316% | 6,811 |
| Cost of funding earning assets | 1.3871% | 1,092 |
| Net interest margin | 2.3445% | 7,126 |
| Noninterest income to average assets | 0.1047% | 6,620 |
| Noninterest expense to average assets | 1.9829% | 6,699 |
| Loan and lease loss provision to assets | 0.0090% | 6,425 |
| Net operating income to assets | 0.3540% | 5,051 |
| Return on assets (ROA) | 0.3540% | 5,222 |
| Pretax return on assets | 0.3991% | 5,299 |
| Return on Equity (ROE) | 3.1092% | 5,240 |
| Retained earnings to average equity (ytd only) | 3.1092% | 4,018 |
| Net charge-offs to loans | 0.0809% | 5,510 |
| Credit loss provision to net charge-offs | 21.7391% | 5,893 |
| Earnings coverage of net charge-offs (x) | 9.8261% | 1,927 |
| Efficiency ratio | 82.9305% | 1,891 |
| Assets per employee ($millions) | 7.9786% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5276% | 7,084 |
| Loan loss allowance to noncurrent loans | 14.2857% | 6,761 |
| Noncurrent assets plus other real estate owned to assets | 1.8424% | 3,196 |
| Noncurrent loans to loans | 3.6931% | 1,708 |
| Net loans and leases to total assets | 49.6258% | 5,639 |
| Net loans and leases to deposits | 56.1291% | 5,882 |
| Net loans and leases to core deposits | 57.5248% | 6,041 |
| Total domestic deposits to total assets | 88.4136% | 1,900 |
| Equity capital to assets | 11.4628% | 2,533 |
| Core capital (leverage) ratio | 11.5398% | 1,859 |
| Tier 1 risk-based capital ratio | 25.8904% | 787 |
| Total risk-based capital ratio | 26.4821% | 827 |
| Memoranda: | ||
| Average total assets | $55,374,400 | 6,190 |
| Average earning assets | $53,998,000 | 6,047 |
| Average equity | $6,303,800 | 6,069 |
| Average total loans | $28,422,000 | 6,230 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7268% | 6,909 |
| Cost of funding earning assets | 1.4065% | 1,209 |
| Net interest margin | 2.3203% | 7,213 |
| Noninterest income to average assets | 0.1038% | 6,734 |
| Noninterest expense to average assets | 1.9352% | 6,814 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3354% | 5,270 |
| Return on assets (ROA) | 0.3354% | 5,440 |
| Pretax return on assets | 0.4295% | 5,379 |
| Return on Equity (ROE) | 2.9515% | 5,437 |
| Retained earnings to average equity (ytd only) | 2.9515% | 4,581 |
| Net charge-offs to loans | 0.1074% | 4,931 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 7.7382% | 2,306 |
| Efficiency ratio | 81.8367% | 2,004 |
| Assets per employee ($millions) | 7.0829% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4956% | 7,167 |
| Loan loss allowance to noncurrent loans | 11.2076% | 6,881 |
| Noncurrent assets plus other real estate owned to assets | 2.2360% | 2,853 |
| Noncurrent loans to loans | 4.4223% | 1,466 |
| Net loans and leases to total assets | 50.3115% | 5,671 |
| Net loans and leases to deposits | 56.8387% | 5,948 |
| Net loans and leases to core deposits | 58.2224% | 6,111 |
| Total domestic deposits to total assets | 88.5163% | 1,748 |
| Equity capital to assets | 11.1978% | 2,964 |
| Core capital (leverage) ratio | 11.8333% | 1,805 |
| Tier 1 risk-based capital ratio | 23.6332% | 1,054 |
| Total risk-based capital ratio | 24.1558% | 1,139 |
| Memoranda: | ||
| Average total assets | $55,255,500 | 6,234 |
| Average earning assets | $53,843,000 | 6,103 |
| Average equity | $6,279,250 | 6,121 |
| Average total loans | $28,561,750 | 6,280 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7730% | 6,947 |
| Cost of funding earning assets | 1.4252% | 1,308 |
| Net interest margin | 2.3478% | 7,259 |
| Noninterest income to average assets | 0.0986% | 6,835 |
| Noninterest expense to average assets | 1.9640% | 6,858 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3066% | 5,351 |
| Return on assets (ROA) | 0.3066% | 5,483 |
| Pretax return on assets | 0.4198% | 5,335 |
| Return on Equity (ROE) | 2.6849% | 5,530 |
| Retained earnings to average equity (ytd only) | 2.6849% | 4,584 |
| Net charge-offs to loans | 0.1612% | 4,210 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,719 |
| Efficiency ratio | 82.3890% | 2,049 |
| Assets per employee ($millions) | 6.8578% | 787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4957% | 7,236 |
| Loan loss allowance to noncurrent loans | 11.9529% | 6,921 |
| Noncurrent assets plus other real estate owned to assets | 2.1654% | 3,032 |
| Noncurrent loans to loans | 4.1467% | 1,646 |
| Net loans and leases to total assets | 51.9613% | 5,566 |
| Net loans and leases to deposits | 58.9036% | 5,830 |
| Net loans and leases to core deposits | 60.3847% | 6,057 |
| Total domestic deposits to total assets | 88.2141% | 2,005 |
| Equity capital to assets | 11.4651% | 2,536 |
| Core capital (leverage) ratio | 11.5714% | 1,863 |
| Tier 1 risk-based capital ratio | 25.1392% | 895 |
| Total risk-based capital ratio | 25.7039% | 942 |
| Memoranda: | ||
| Average total assets | $54,786,330 | 6,306 |
| Average earning assets | $53,326,330 | 6,169 |
| Average equity | $6,257,330 | 6,155 |
| Average total loans | $28,532,330 | 6,340 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7754% | 6,979 |
| Cost of funding earning assets | 1.4261% | 1,488 |
| Net interest margin | 2.3493% | 7,287 |
| Noninterest income to average assets | 0.1023% | 6,901 |
| Noninterest expense to average assets | 2.0092% | 6,819 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2849% | 5,485 |
| Return on assets (ROA) | 0.2849% | 5,551 |
| Pretax return on assets | 0.3799% | 5,396 |
| Return on Equity (ROE) | 2.4996% | 5,598 |
| Retained earnings to average equity (ytd only) | 2.4996% | 4,657 |
| Net charge-offs to loans | 0.0562% | 4,374 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,466 |
| Efficiency ratio | 84.0979% | 1,946 |
| Assets per employee ($millions) | 6.9756% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5650% | 7,240 |
| Loan loss allowance to noncurrent loans | 19.6341% | 6,784 |
| Noncurrent assets plus other real estate owned to assets | 1.4694% | 4,051 |
| Noncurrent loans to loans | 2.8774% | 2,615 |
| Net loans and leases to total assets | 50.7786% | 5,741 |
| Net loans and leases to deposits | 57.4170% | 5,985 |
| Net loans and leases to core deposits | 58.5221% | 6,212 |
| Total domestic deposits to total assets | 88.4383% | 2,114 |
| Equity capital to assets | 11.1908% | 2,512 |
| Core capital (leverage) ratio | 11.4490% | 1,875 |
| Tier 1 risk-based capital ratio | 17.0948% | 2,437 |
| Total risk-based capital ratio | 17.5333% | 2,727 |
| Memoranda: | ||
| Average total assets | $54,748,500 | 6,352 |
| Average earning assets | $53,293,000 | 6,222 |
| Average equity | $6,241,000 | 6,170 |
| Average total loans | $28,474,000 | 6,397 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1002% | 7,048 |
| Cost of funding earning assets | 1.5496% | 2,349 |
| Net interest margin | 2.5506% | 7,241 |
| Noninterest income to average assets | 0.1839% | 6,442 |
| Noninterest expense to average assets | 1.9791% | 7,055 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4429% | 4,350 |
| Return on assets (ROA) | 0.4429% | 4,510 |
| Pretax return on assets | 0.6781% | 4,054 |
| Return on Equity (ROE) | 3.6519% | 4,673 |
| Retained earnings to average equity (ytd only) | 3.6519% | 3,303 |
| Net charge-offs to loans | 0.0071% | 6,770 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 171.5000% | 148 |
| Efficiency ratio | 74.4792% | 3,302 |
| Assets per employee ($millions) | 6.7115% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5800% | 7,286 |
| Loan loss allowance to noncurrent loans | 27.4542% | 6,443 |
| Noncurrent assets plus other real estate owned to assets | 1.1193% | 4,774 |
| Noncurrent loans to loans | 2.1125% | 3,419 |
| Net loans and leases to total assets | 52.6801% | 5,824 |
| Net loans and leases to deposits | 59.8308% | 6,075 |
| Net loans and leases to core deposits | 62.6870% | 6,180 |
| Total domestic deposits to total assets | 88.0485% | 2,218 |
| Equity capital to assets | 11.6163% | 2,177 |
| Core capital (leverage) ratio | 11.6163% | 1,770 |
| Tier 1 risk-based capital ratio | 20.7395% | 1,355 |
| Total risk-based capital ratio | 21.2882% | 1,452 |
| Memoranda: | ||
| Average total assets | $50,579,200 | 6,508 |
| Average earning assets | $49,046,400 | 6,404 |
| Average equity | $6,133,800 | 6,325 |
| Average total loans | $28,351,200 | 6,480 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1444% | 7,159 |
| Cost of funding earning assets | 1.5527% | 2,648 |
| Net interest margin | 2.5916% | 7,321 |
| Noninterest income to average assets | 0.1874% | 6,543 |
| Noninterest expense to average assets | 1.9598% | 7,119 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4685% | 4,447 |
| Return on assets (ROA) | 0.4685% | 4,643 |
| Pretax return on assets | 0.7389% | 4,123 |
| Return on Equity (ROE) | 3.8201% | 4,865 |
| Retained earnings to average equity (ytd only) | 3.8201% | 3,771 |
| Net charge-offs to loans | 0.0094% | 6,535 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 137.8240% | 233 |
| Efficiency ratio | 72.6190% | 3,587 |
| Assets per employee ($millions) | 6.6479% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5815% | 7,372 |
| Loan loss allowance to noncurrent loans | 59.7865% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 0.5284% | 6,103 |
| Noncurrent loans to loans | 0.9726% | 5,291 |
| Net loans and leases to total assets | 54.0116% | 5,849 |
| Net loans and leases to deposits | 61.4018% | 6,179 |
| Net loans and leases to core deposits | 63.9257% | 6,303 |
| Total domestic deposits to total assets | 87.9642% | 1,982 |
| Equity capital to assets | 11.6372% | 2,423 |
| Core capital (leverage) ratio | 11.6372% | 1,853 |
| Tier 1 risk-based capital ratio | 24.2383% | 920 |
| Total risk-based capital ratio | 24.8962% | 963 |
| Memoranda: | ||
| Average total assets | $49,801,000 | 6,624 |
| Average earning assets | $48,257,000 | 6,497 |
| Average equity | $6,108,000 | 6,415 |
| Average total loans | $28,326,500 | 6,569 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1984% | 7,173 |
| Cost of funding earning assets | 1.5580% | 2,914 |
| Net interest margin | 2.6405% | 7,313 |
| Noninterest income to average assets | 0.2096% | 6,420 |
| Noninterest expense to average assets | 2.0175% | 7,079 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4684% | 4,470 |
| Return on assets (ROA) | 0.4684% | 4,632 |
| Pretax return on assets | 0.7478% | 4,073 |
| Return on Equity (ROE) | 3.7494% | 4,899 |
| Retained earnings to average equity (ytd only) | 3.7494% | 3,710 |
| Net charge-offs to loans | 0.0142% | 6,142 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 362 |
| Efficiency ratio | 72.9569% | 3,667 |
| Assets per employee ($millions) | 5.4840% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5961% | 7,420 |
| Loan loss allowance to noncurrent loans | 62.9213% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 0.5410% | 6,119 |
| Noncurrent loans to loans | 0.9474% | 5,408 |
| Net loans and leases to total assets | 56.7611% | 5,585 |
| Net loans and leases to deposits | 65.1693% | 5,903 |
| Net loans and leases to core deposits | 68.0537% | 6,049 |
| Total domestic deposits to total assets | 87.0978% | 2,482 |
| Equity capital to assets | 12.4220% | 1,848 |
| Core capital (leverage) ratio | 12.4220% | 1,437 |
| Tier 1 risk-based capital ratio | 26.3631% | 748 |
| Total risk-based capital ratio | 27.0855% | 768 |
| Memoranda: | ||
| Average total assets | $48,673,670 | 6,708 |
| Average earning assets | $47,112,670 | 6,586 |
| Average equity | $6,081,000 | 6,446 |
| Average total loans | $28,137,670 | 6,621 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3602% | 7,051 |
| Cost of funding earning assets | 1.5646% | 3,174 |
| Net interest margin | 2.7957% | 7,182 |
| Noninterest income to average assets | 0.0745% | 7,334 |
| Noninterest expense to average assets | 1.9862% | 7,183 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4883% | 4,452 |
| Return on assets (ROA) | 0.4883% | 4,586 |
| Pretax return on assets | 0.7945% | 3,891 |
| Return on Equity (ROE) | 3.8970% | 4,936 |
| Retained earnings to average equity (ytd only) | 3.8970% | 3,803 |
| Net charge-offs to loans | 0.0142% | 5,386 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 336 |
| Efficiency ratio | 71.4286% | 4,039 |
| Assets per employee ($millions) | 6.1789% | 1,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6047% | 7,493 |
| Loan loss allowance to noncurrent loans | 60.1423% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 0.6939% | 5,782 |
| Noncurrent loans to loans | 1.0055% | 5,314 |
| Net loans and leases to total assets | 56.1955% | 5,717 |
| Net loans and leases to deposits | 64.4456% | 6,010 |
| Net loans and leases to core deposits | 65.2295% | 6,348 |
| Total domestic deposits to total assets | 87.1983% | 2,529 |
| Equity capital to assets | 12.3101% | 1,868 |
| Core capital (leverage) ratio | 12.3101% | 1,488 |
| Tier 1 risk-based capital ratio | 27.4879% | 673 |
| Total risk-based capital ratio | 28.2513% | 692 |
| Memoranda: | ||
| Average total assets | $48,332,500 | 6,789 |
| Average earning assets | $46,786,500 | 6,669 |
| Average equity | $6,056,000 | 6,501 |
| Average total loans | $28,115,000 | 6,708 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9147% | 6,675 |
| Cost of funding earning assets | 1.7707% | 4,147 |
| Net interest margin | 3.1441% | 6,249 |
| Noninterest income to average assets | 0.1482% | 6,992 |
| Noninterest expense to average assets | 2.1250% | 7,132 |
| Loan and lease loss provision to assets | 0.0174% | 7,328 |
| Net operating income to assets | 0.6421% | 3,169 |
| Return on assets (ROA) | 0.6211% | 3,318 |
| Pretax return on assets | 1.0265% | 2,501 |
| Return on Equity (ROE) | 4.8369% | 3,746 |
| Retained earnings to average equity (ytd only) | 4.8369% | 1,909 |
| Net charge-offs to loans | 0.0313% | 6,812 |
| Credit loss provision to net charge-offs | 88.8889% | 6,045 |
| Earnings coverage of net charge-offs (x) | 54.8889% | 481 |
| Efficiency ratio | 66.3717% | 5,318 |
| Assets per employee ($millions) | 5.2482% | 1,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6011% | 7,549 |
| Loan loss allowance to noncurrent loans | 5,666.6667% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 7,520 |
| Noncurrent loans to loans | 0.0106% | 7,416 |
| Net loans and leases to total assets | 59.5186% | 5,412 |
| Net loans and leases to deposits | 68.7057% | 5,754 |
| Net loans and leases to core deposits | 78.4118% | 6,231 |
| Total domestic deposits to total assets | 86.6283% | 2,691 |
| Equity capital to assets | 12.7599% | 1,612 |
| Core capital (leverage) ratio | 12.7599% | 1,325 |
| Tier 1 risk-based capital ratio | 28.0482% | 640 |
| Total risk-based capital ratio | 28.8394% | 650 |
| Memoranda: | ||
| Average total assets | $45,882,800 | 6,879 |
| Average earning assets | $44,559,800 | 6,739 |
| Average equity | $5,892,200 | 6,638 |
| Average total loans | $28,744,400 | 6,707 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0185% | 6,549 |
| Cost of funding earning assets | 1.8134% | 4,321 |
| Net interest margin | 3.2051% | 6,006 |
| Noninterest income to average assets | 0.1464% | 7,125 |
| Noninterest expense to average assets | 2.1019% | 7,194 |
| Loan and lease loss provision to assets | 0.0234% | 7,121 |
| Net operating income to assets | 0.6792% | 3,280 |
| Return on assets (ROA) | 0.6792% | 3,343 |
| Pretax return on assets | 1.1358% | 2,458 |
| Return on Equity (ROE) | 5.2800% | 3,847 |
| Retained earnings to average equity (ytd only) | 5.2800% | 2,326 |
| Net charge-offs to loans | 0.0093% | 6,821 |
| Credit loss provision to net charge-offs | 400.0000% | 988 |
| Earnings coverage of net charge-offs (x) | 197.7491% | 197 |
| Efficiency ratio | 64.4524% | 5,672 |
| Assets per employee ($millions) | 4.9953% | 2,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6173% | 7,550 |
| Loan loss allowance to noncurrent loans | 308.7719% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.1268% | 7,230 |
| Noncurrent loans to loans | 0.1999% | 6,999 |
| Net loans and leases to total assets | 63.0299% | 5,058 |
| Net loans and leases to deposits | 73.6657% | 5,412 |
| Net loans and leases to core deposits | 85.3087% | 5,938 |
| Total domestic deposits to total assets | 85.5621% | 2,938 |
| Equity capital to assets | 13.2880% | 1,580 |
| Core capital (leverage) ratio | 13.2880% | 1,298 |
| Tier 1 risk-based capital ratio | 28.4165% | 660 |
| Total risk-based capital ratio | 29.2537% | 670 |
| Memoranda: | ||
| Average total assets | $45,545,000 | 6,940 |
| Average earning assets | $44,261,500 | 6,806 |
| Average equity | $5,858,500 | 6,719 |
| Average total loans | $28,859,750 | 6,750 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0619% | 6,574 |
| Cost of funding earning assets | 1.8448% | 4,541 |
| Net interest margin | 3.2171% | 5,852 |
| Noninterest income to average assets | 0.1399% | 7,256 |
| Noninterest expense to average assets | 2.0813% | 7,313 |
| Loan and lease loss provision to assets | 0.0350% | 6,890 |
| Net operating income to assets | 0.6909% | 3,296 |
| Return on assets (ROA) | 0.6909% | 3,410 |
| Pretax return on assets | 1.1500% | 2,466 |
| Return on Equity (ROE) | 5.4296% | 3,890 |
| Retained earnings to average equity (ytd only) | 5.4296% | 2,280 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7216% | 5,964 |
| Assets per employee ($millions) | 5.8253% | 1,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6158% | 7,605 |
| Loan loss allowance to noncurrent loans | 852.3810% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 7,486 |
| Noncurrent loans to loans | 0.0722% | 7,343 |
| Net loans and leases to total assets | 61.9909% | 5,360 |
| Net loans and leases to deposits | 71.6635% | 5,784 |
| Net loans and leases to core deposits | 81.6743% | 6,265 |
| Total domestic deposits to total assets | 86.5027% | 2,507 |
| Equity capital to assets | 12.6561% | 1,852 |
| Core capital (leverage) ratio | 12.6561% | 1,557 |
| Tier 1 risk-based capital ratio | 28.4996% | 685 |
| Total risk-based capital ratio | 29.3646% | 692 |
| Memoranda: | ||
| Average total assets | $45,740,670 | 6,993 |
| Average earning assets | $44,450,000 | 6,865 |
| Average equity | $5,820,000 | 6,786 |
| Average total loans | $28,975,330 | 6,790 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0947% | 6,656 |
| Cost of funding earning assets | 1.8799% | 4,742 |
| Net interest margin | 3.2148% | 5,816 |
| Noninterest income to average assets | 0.1324% | 7,343 |
| Noninterest expense to average assets | 1.9510% | 7,446 |
| Loan and lease loss provision to assets | 0.0706% | 6,076 |
| Net operating income to assets | 0.7416% | 3,381 |
| Return on assets (ROA) | 0.7416% | 3,562 |
| Pretax return on assets | 1.2359% | 2,494 |
| Return on Equity (ROE) | 5.8121% | 4,117 |
| Retained earnings to average equity (ytd only) | 5.8121% | 2,721 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8916% | 6,422 |
| Assets per employee ($millions) | 5.7491% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6188% | 7,629 |
| Loan loss allowance to noncurrent loans | 108.4848% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.3588% | 6,432 |
| Noncurrent loans to loans | 0.5704% | 5,985 |
| Net loans and leases to total assets | 62.5095% | 5,236 |
| Net loans and leases to deposits | 72.2816% | 5,710 |
| Net loans and leases to core deposits | 82.5343% | 6,188 |
| Total domestic deposits to total assets | 86.4806% | 2,456 |
| Equity capital to assets | 12.6606% | 1,903 |
| Core capital (leverage) ratio | 12.6606% | 1,621 |
| Tier 1 risk-based capital ratio | 27.0648% | 816 |
| Total risk-based capital ratio | 27.8968% | 826 |
| Memoranda: | ||
| Average total assets | $45,310,000 | 7,054 |
| Average earning assets | $44,046,000 | 6,930 |
| Average equity | $5,781,000 | 6,845 |
| Average total loans | $28,929,000 | 6,822 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5803% | 7,134 |
| Cost of funding earning assets | 2.2779% | 5,253 |
| Net interest margin | 3.3024% | 6,028 |
| Noninterest income to average assets | 0.2005% | 7,016 |
| Noninterest expense to average assets | 1.9870% | 7,465 |
| Loan and lease loss provision to assets | 0.0639% | 6,603 |
| Net operating income to assets | 0.7030% | 3,882 |
| Return on assets (ROA) | 0.4097% | 4,929 |
| Pretax return on assets | 0.9010% | 3,716 |
| Return on Equity (ROE) | 3.2871% | 5,126 |
| Retained earnings to average equity (ytd only) | 3.2871% | 3,107 |
| Net charge-offs to loans | 0.0102% | 6,789 |
| Credit loss provision to net charge-offs | 966.6667% | 462 |
| Earnings coverage of net charge-offs (x) | 215.3333% | 221 |
| Efficiency ratio | 58.2687% | 6,649 |
| Assets per employee ($millions) | 5.5784% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5876% | 7,699 |
| Loan loss allowance to noncurrent loans | 809.5238% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 7,394 |
| Noncurrent loans to loans | 0.0726% | 7,214 |
| Net loans and leases to total assets | 64.4431% | 5,182 |
| Net loans and leases to deposits | 74.9147% | 5,743 |
| Net loans and leases to core deposits | 85.5592% | 6,164 |
| Total domestic deposits to total assets | 86.0219% | 2,392 |
| Equity capital to assets | 12.8599% | 1,845 |
| Core capital (leverage) ratio | 12.8599% | 1,589 |
| Tier 1 risk-based capital ratio | 27.6152% | 782 |
| Total risk-based capital ratio | 28.4333% | 789 |
| Memoranda: | ||
| Average total assets | $45,394,400 | 6,963 |
| Average earning assets | $44,119,400 | 6,850 |
| Average equity | $5,658,400 | 6,932 |
| Average total loans | $29,546,600 | 6,734 |