Home > Economy Co-operative Bank > Performance and Condition Ratios
Economy Co-operative Bank, Performance and Condition Ratios
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2706% | 5,853 |
| Cost of funding earning assets | 0.7024% | 5,523 |
| Net interest margin | 3.5682% | 4,853 |
| Noninterest income to average assets | 0.1583% | 6,354 |
| Noninterest expense to average assets | 3.4830% | 2,023 |
| Loan and lease loss provision to assets | 0.0406% | 6,069 |
| Net operating income to assets | -0.0041% | 6,043 |
| Return on assets (ROA) | -0.1989% | 6,324 |
| Pretax return on assets | -0.1989% | 6,283 |
| Return on Equity (ROE) | -1.9733% | 6,333 |
| Retained earnings to average equity (ytd only) | -1.9733% | 6,154 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9619% | 706 |
| Assets per employee ($millions) | 5.0142% | 2,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5491% | 7,067 |
| Loan loss allowance to noncurrent loans | 35.7934% | 5,852 |
| Noncurrent assets plus other real estate owned to assets | 1.0809% | 4,458 |
| Noncurrent loans to loans | 1.5341% | 3,851 |
| Net loans and leases to total assets | 70.0730% | 2,016 |
| Net loans and leases to deposits | 77.7827% | 2,875 |
| Net loans and leases to core deposits | 87.1645% | 2,478 |
| Total domestic deposits to total assets | 90.0881% | 945 |
| Equity capital to assets | 9.8161% | 4,423 |
| Core capital (leverage) ratio | 9.7523% | 3,673 |
| Tier 1 risk-based capital ratio | 22.1912% | 1,211 |
| Total risk-based capital ratio | 23.0658% | 1,231 |
| Memoranda: | ||
| Average total assets | $24,634,200 | 7,116 |
| Average earning assets | $23,205,000 | 7,072 |
| Average equity | $2,483,200 | 7,124 |
| Average total loans | $18,280,600 | 6,740 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2864% | 5,991 |
| Cost of funding earning assets | 0.7394% | 5,529 |
| Net interest margin | 3.5470% | 4,995 |
| Noninterest income to average assets | 0.1577% | 6,467 |
| Noninterest expense to average assets | 3.2891% | 2,532 |
| Loan and lease loss provision to assets | 0.0544% | 5,766 |
| Net operating income to assets | 0.1033% | 5,958 |
| Return on assets (ROA) | 0.1033% | 6,071 |
| Pretax return on assets | 0.1522% | 5,996 |
| Return on Equity (ROE) | 1.0178% | 6,063 |
| Retained earnings to average equity (ytd only) | 1.0178% | 5,604 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0902% | 912 |
| Assets per employee ($millions) | 5.1232% | 2,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5383% | 7,140 |
| Loan loss allowance to noncurrent loans | 138.5714% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.2733% | 6,381 |
| Noncurrent loans to loans | 0.3885% | 6,080 |
| Net loans and leases to total assets | 69.9641% | 2,088 |
| Net loans and leases to deposits | 77.6147% | 3,067 |
| Net loans and leases to core deposits | 86.8020% | 2,673 |
| Total domestic deposits to total assets | 90.1429% | 794 |
| Equity capital to assets | 9.7478% | 4,706 |
| Core capital (leverage) ratio | 9.7975% | 3,711 |
| Tier 1 risk-based capital ratio | 20.3887% | 1,590 |
| Total risk-based capital ratio | 21.1807% | 1,674 |
| Memoranda: | ||
| Average total assets | $24,525,000 | 7,187 |
| Average earning assets | $23,080,000 | 7,148 |
| Average equity | $2,488,750 | 7,189 |
| Average total loans | $18,434,500 | 6,798 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3982% | 5,699 |
| Cost of funding earning assets | 0.7622% | 5,608 |
| Net interest margin | 3.6360% | 4,576 |
| Noninterest income to average assets | 0.1656% | 6,472 |
| Noninterest expense to average assets | 3.3359% | 2,445 |
| Loan and lease loss provision to assets | 0.0579% | 5,591 |
| Net operating income to assets | 0.1324% | 5,923 |
| Return on assets (ROA) | 0.1324% | 6,020 |
| Pretax return on assets | 0.2069% | 5,921 |
| Return on Equity (ROE) | 1.2872% | 6,005 |
| Retained earnings to average equity (ytd only) | 1.2872% | 5,333 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6437% | 1,057 |
| Assets per employee ($millions) | 4.8290% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5142% | 7,217 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 75.3241% | 1,183 |
| Net loans and leases to deposits | 84.1329% | 2,088 |
| Net loans and leases to core deposits | 91.6129% | 2,185 |
| Total domestic deposits to total assets | 89.5299% | 1,222 |
| Equity capital to assets | 10.3293% | 3,712 |
| Core capital (leverage) ratio | 9.8046% | 3,516 |
| Tier 1 risk-based capital ratio | 20.5014% | 1,515 |
| Total risk-based capital ratio | 21.2741% | 1,581 |
| Memoranda: | ||
| Average total assets | $24,161,330 | 7,260 |
| Average earning assets | $22,827,330 | 7,221 |
| Average equity | $2,486,000 | 7,247 |
| Average total loans | $18,573,000 | 6,856 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4876% | 5,381 |
| Cost of funding earning assets | 0.7538% | 5,835 |
| Net interest margin | 3.7338% | 3,927 |
| Noninterest income to average assets | 0.1489% | 6,657 |
| Noninterest expense to average assets | 3.3596% | 2,384 |
| Loan and lease loss provision to assets | 0.0496% | 5,379 |
| Net operating income to assets | 0.1655% | 5,900 |
| Return on assets (ROA) | 0.1655% | 5,951 |
| Pretax return on assets | 0.2648% | 5,763 |
| Return on Equity (ROE) | 1.6116% | 5,937 |
| Retained earnings to average equity (ytd only) | 1.6116% | 5,146 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4414% | 1,211 |
| Assets per employee ($millions) | 4.9764% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4817% | 7,295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 74.7207% | 1,235 |
| Net loans and leases to deposits | 83.1225% | 2,166 |
| Net loans and leases to core deposits | 90.1868% | 2,328 |
| Total domestic deposits to total assets | 89.8923% | 1,214 |
| Equity capital to assets | 9.9952% | 3,781 |
| Core capital (leverage) ratio | 10.2413% | 2,875 |
| Tier 1 risk-based capital ratio | 20.0129% | 1,585 |
| Total risk-based capital ratio | 20.7371% | 1,665 |
| Memoranda: | ||
| Average total assets | $24,169,500 | 7,310 |
| Average earning assets | $22,818,500 | 7,268 |
| Average equity | $2,482,000 | 7,298 |
| Average total loans | $18,719,000 | 6,897 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6274% | 6,029 |
| Cost of funding earning assets | 0.9790% | 5,789 |
| Net interest margin | 3.6484% | 4,583 |
| Noninterest income to average assets | 0.1647% | 6,544 |
| Noninterest expense to average assets | 3.1383% | 3,312 |
| Loan and lease loss provision to assets | 0.2718% | 4,630 |
| Net operating income to assets | 0.1400% | 5,473 |
| Return on assets (ROA) | 0.1400% | 5,623 |
| Pretax return on assets | 0.1771% | 5,534 |
| Return on Equity (ROE) | 1.3800% | 5,595 |
| Retained earnings to average equity (ytd only) | 1.3800% | 4,852 |
| Net charge-offs to loans | 0.4361% | 3,872 |
| Credit loss provision to net charge-offs | 79.5181% | 5,576 |
| Earnings coverage of net charge-offs (x) | 1.3133% | 4,791 |
| Efficiency ratio | 87.4856% | 1,520 |
| Assets per employee ($millions) | 4.6914% | 2,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4639% | 7,386 |
| Loan loss allowance to noncurrent loans | 25.8929% | 6,547 |
| Noncurrent assets plus other real estate owned to assets | 1.4324% | 4,191 |
| Noncurrent loans to loans | 1.7914% | 3,827 |
| Net loans and leases to total assets | 79.5882% | 716 |
| Net loans and leases to deposits | 89.0782% | 1,634 |
| Net loans and leases to core deposits | 97.1433% | 1,875 |
| Total domestic deposits to total assets | 89.3465% | 1,471 |
| Equity capital to assets | 10.5597% | 3,093 |
| Core capital (leverage) ratio | 9.9867% | 3,110 |
| Tier 1 risk-based capital ratio | 20.3149% | 1,433 |
| Total risk-based capital ratio | 21.0285% | 1,502 |
| Memoranda: | ||
| Average total assets | $24,281,000 | 7,367 |
| Average earning assets | $22,777,200 | 7,328 |
| Average equity | $2,463,800 | 7,401 |
| Average total loans | $19,032,600 | 6,976 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6350% | 6,243 |
| Cost of funding earning assets | 1.0165% | 5,862 |
| Net interest margin | 3.6186% | 4,794 |
| Noninterest income to average assets | 0.1524% | 6,766 |
| Noninterest expense to average assets | 3.0709% | 3,474 |
| Loan and lease loss provision to assets | 0.2614% | 4,492 |
| Net operating income to assets | 0.1361% | 5,671 |
| Return on assets (ROA) | 0.1361% | 5,837 |
| Pretax return on assets | 0.2124% | 5,701 |
| Return on Equity (ROE) | 1.3546% | 5,805 |
| Retained earnings to average equity (ytd only) | 1.3546% | 5,268 |
| Net charge-offs to loans | 0.5793% | 3,003 |
| Credit loss provision to net charge-offs | 57.8313% | 5,748 |
| Earnings coverage of net charge-offs (x) | 1.0483% | 5,011 |
| Efficiency ratio | 86.6359% | 1,564 |
| Assets per employee ($millions) | 4.8874% | 2,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3643% | 7,560 |
| Loan loss allowance to noncurrent loans | 20.4748% | 6,893 |
| Noncurrent assets plus other real estate owned to assets | 1.3791% | 4,408 |
| Noncurrent loans to loans | 1.7790% | 3,976 |
| Net loans and leases to total assets | 77.2353% | 1,172 |
| Net loans and leases to deposits | 86.0530% | 2,330 |
| Net loans and leases to core deposits | 93.4033% | 2,608 |
| Total domestic deposits to total assets | 89.7532% | 996 |
| Equity capital to assets | 10.1158% | 3,997 |
| Core capital (leverage) ratio | 10.0016% | 3,253 |
| Tier 1 risk-based capital ratio | 19.9403% | 1,563 |
| Total risk-based capital ratio | 20.4969% | 1,666 |
| Memoranda: | ||
| Average total assets | $24,487,000 | 7,456 |
| Average earning assets | $22,955,250 | 7,418 |
| Average equity | $2,460,500 | 7,501 |
| Average total loans | $19,101,750 | 7,066 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6554% | 6,292 |
| Cost of funding earning assets | 1.0549% | 5,899 |
| Net interest margin | 3.6005% | 4,810 |
| Noninterest income to average assets | 0.1469% | 6,848 |
| Noninterest expense to average assets | 2.9465% | 3,905 |
| Loan and lease loss provision to assets | 0.3183% | 3,836 |
| Net operating income to assets | 0.1388% | 5,757 |
| Return on assets (ROA) | 0.1388% | 5,867 |
| Pretax return on assets | 0.2530% | 5,647 |
| Return on Equity (ROE) | 1.3840% | 5,839 |
| Retained earnings to average equity (ytd only) | 1.3840% | 5,189 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7587% | 1,948 |
| Assets per employee ($millions) | 5.0506% | 2,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7508% | 7,145 |
| Loan loss allowance to noncurrent loans | 15.4095% | 7,132 |
| Noncurrent assets plus other real estate owned to assets | 3.6748% | 1,903 |
| Noncurrent loans to loans | 4.8722% | 1,440 |
| Net loans and leases to total assets | 74.8584% | 1,725 |
| Net loans and leases to deposits | 83.1018% | 3,052 |
| Net loans and leases to core deposits | 89.9248% | 3,281 |
| Total domestic deposits to total assets | 90.0804% | 887 |
| Equity capital to assets | 9.7573% | 4,328 |
| Core capital (leverage) ratio | 9.7941% | 3,414 |
| Tier 1 risk-based capital ratio | 19.3073% | 1,650 |
| Total risk-based capital ratio | 20.4278% | 1,643 |
| Memoranda: | ||
| Average total assets | $24,503,670 | 7,515 |
| Average earning assets | $22,941,000 | 7,479 |
| Average equity | $2,456,670 | 7,557 |
| Average total loans | $19,154,670 | 7,115 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7684% | 6,006 |
| Cost of funding earning assets | 1.0675% | 6,055 |
| Net interest margin | 3.7008% | 4,237 |
| Noninterest income to average assets | 0.1326% | 7,025 |
| Noninterest expense to average assets | 3.0005% | 3,678 |
| Loan and lease loss provision to assets | 0.2818% | 3,777 |
| Net operating income to assets | 0.1492% | 5,861 |
| Return on assets (ROA) | 0.1492% | 5,988 |
| Pretax return on assets | 0.2984% | 5,607 |
| Return on Equity (ROE) | 1.4676% | 5,974 |
| Retained earnings to average equity (ytd only) | 1.4676% | 5,213 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7963% | 2,044 |
| Assets per employee ($millions) | 4.8990% | 2,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6294% | 7,457 |
| Loan loss allowance to noncurrent loans | 19.7068% | 7,025 |
| Noncurrent assets plus other real estate owned to assets | 2.5066% | 2,900 |
| Noncurrent loans to loans | 3.1939% | 2,499 |
| Net loans and leases to total assets | 77.9873% | 1,156 |
| Net loans and leases to deposits | 86.8358% | 2,440 |
| Net loans and leases to core deposits | 95.4100% | 2,650 |
| Total domestic deposits to total assets | 89.8102% | 1,080 |
| Equity capital to assets | 10.0265% | 3,832 |
| Core capital (leverage) ratio | 10.0549% | 3,095 |
| Tier 1 risk-based capital ratio | 19.3310% | 1,650 |
| Total risk-based capital ratio | 20.2834% | 1,681 |
| Memoranda: | ||
| Average total assets | $24,129,000 | 7,622 |
| Average earning assets | $22,481,500 | 7,582 |
| Average equity | $2,453,000 | 7,651 |
| Average total loans | $19,208,500 | 7,202 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9749% | 6,510 |
| Cost of funding earning assets | 1.3360% | 6,189 |
| Net interest margin | 3.6389% | 4,390 |
| Noninterest income to average assets | 0.1450% | 7,014 |
| Noninterest expense to average assets | 3.2231% | 3,306 |
| Loan and lease loss provision to assets | 0.0829% | 6,779 |
| Net operating income to assets | 0.1574% | 5,031 |
| Return on assets (ROA) | 0.1574% | 5,100 |
| Pretax return on assets | 0.2693% | 4,846 |
| Return on Equity (ROE) | 1.5644% | 5,061 |
| Retained earnings to average equity (ytd only) | 1.5644% | 3,982 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1506% | 1,697 |
| Assets per employee ($millions) | 4.7526% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5419% | 7,629 |
| Loan loss allowance to noncurrent loans | 15.0725% | 7,258 |
| Noncurrent assets plus other real estate owned to assets | 2.9037% | 2,414 |
| Noncurrent loans to loans | 3.5951% | 2,103 |
| Net loans and leases to total assets | 80.3308% | 934 |
| Net loans and leases to deposits | 89.6913% | 2,262 |
| Net loans and leases to core deposits | 105.2431% | 3,426 |
| Total domestic deposits to total assets | 89.5636% | 1,178 |
| Equity capital to assets | 10.3101% | 3,391 |
| Core capital (leverage) ratio | 10.1571% | 2,942 |
| Tier 1 risk-based capital ratio | 19.7326% | 1,508 |
| Total risk-based capital ratio | 20.5702% | 1,548 |
| Memoranda: | ||
| Average total assets | $24,138,200 | 7,665 |
| Average earning assets | $22,754,200 | 7,623 |
| Average equity | $2,429,000 | 7,749 |
| Average total loans | $18,820,600 | 7,267 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9583% | 6,740 |
| Cost of funding earning assets | 1.3918% | 6,260 |
| Net interest margin | 3.5665% | 4,609 |
| Noninterest income to average assets | 0.1375% | 7,190 |
| Noninterest expense to average assets | 3.2628% | 3,066 |
| Loan and lease loss provision to assets | 0.0110% | 7,224 |
| Net operating income to assets | 0.1431% | 5,341 |
| Return on assets (ROA) | 0.1431% | 5,408 |
| Pretax return on assets | 0.2476% | 5,192 |
| Return on Equity (ROE) | 1.4304% | 5,362 |
| Retained earnings to average equity (ytd only) | 1.4304% | 4,515 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6563% | 1,486 |
| Assets per employee ($millions) | 4.8814% | 2,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4512% | 7,764 |
| Loan loss allowance to noncurrent loans | 28.8591% | 6,546 |
| Noncurrent assets plus other real estate owned to assets | 1.2210% | 4,626 |
| Noncurrent loans to loans | 1.5635% | 4,293 |
| Net loans and leases to total assets | 77.7400% | 1,627 |
| Net loans and leases to deposits | 86.4774% | 3,232 |
| Net loans and leases to core deposits | 99.5331% | 4,428 |
| Total domestic deposits to total assets | 89.8963% | 809 |
| Equity capital to assets | 10.0012% | 4,084 |
| Core capital (leverage) ratio | 9.8479% | 3,458 |
| Tier 1 risk-based capital ratio | 19.5907% | 1,634 |
| Total risk-based capital ratio | 20.2809% | 1,699 |
| Memoranda: | ||
| Average total assets | $24,232,000 | 7,736 |
| Average earning assets | $22,991,000 | 7,693 |
| Average equity | $2,423,750 | 7,825 |
| Average total loans | $18,727,500 | 7,338 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9730% | 6,863 |
| Cost of funding earning assets | 1.4719% | 6,252 |
| Net interest margin | 3.5011% | 4,796 |
| Noninterest income to average assets | 0.1324% | 7,298 |
| Noninterest expense to average assets | 3.1605% | 3,468 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.1903% | 5,297 |
| Return on assets (ROA) | 0.1903% | 5,374 |
| Pretax return on assets | 0.2978% | 5,216 |
| Return on Equity (ROE) | 1.9024% | 5,340 |
| Retained earnings to average equity (ytd only) | 1.9024% | 4,287 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3876% | 1,689 |
| Assets per employee ($millions) | 5.0052% | 2,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4476% | 7,845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 74.6504% | 2,530 |
| Net loans and leases to deposits | 82.7883% | 4,087 |
| Net loans and leases to core deposits | 97.1149% | 4,772 |
| Total domestic deposits to total assets | 90.1702% | 762 |
| Equity capital to assets | 9.7019% | 4,346 |
| Core capital (leverage) ratio | 9.6614% | 3,684 |
| Tier 1 risk-based capital ratio | 19.3976% | 1,704 |
| Total risk-based capital ratio | 20.0687% | 1,769 |
| Memoranda: | ||
| Average total assets | $24,173,670 | 7,813 |
| Average earning assets | $22,964,000 | 7,768 |
| Average equity | $2,418,000 | 7,899 |
| Average total loans | $18,616,670 | 7,418 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0505% | 6,795 |
| Cost of funding earning assets | 1.5649% | 6,176 |
| Net interest margin | 3.4855% | 4,785 |
| Noninterest income to average assets | 0.1516% | 7,216 |
| Noninterest expense to average assets | 3.2172% | 2,908 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1516% | 5,814 |
| Return on assets (ROA) | 0.1516% | 5,983 |
| Pretax return on assets | 0.2358% | 5,861 |
| Return on Equity (ROE) | 1.4919% | 5,965 |
| Retained earnings to average equity (ytd only) | 1.4919% | 5,015 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1707% | 1,485 |
| Assets per employee ($millions) | 4.8732% | 2,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4525% | 7,889 |
| Loan loss allowance to noncurrent loans | 87.5000% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 0.3940% | 6,321 |
| Noncurrent loans to loans | 0.5172% | 6,134 |
| Net loans and leases to total assets | 75.8393% | 2,303 |
| Net loans and leases to deposits | 84.2636% | 3,937 |
| Net loans and leases to core deposits | 100.5660% | 4,490 |
| Total domestic deposits to total assets | 90.0025% | 800 |
| Equity capital to assets | 9.9155% | 4,096 |
| Core capital (leverage) ratio | 10.0266% | 3,380 |
| Tier 1 risk-based capital ratio | 19.7676% | 1,660 |
| Total risk-based capital ratio | 20.4549% | 1,737 |
| Memoranda: | ||
| Average total assets | $23,747,500 | 7,873 |
| Average earning assets | $22,493,000 | 7,822 |
| Average equity | $2,413,000 | 7,955 |
| Average total loans | $18,542,000 | 7,463 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3892% | 7,476 |
| Cost of funding earning assets | 2.0364% | 6,292 |
| Net interest margin | 3.3528% | 5,856 |
| Noninterest income to average assets | 0.1639% | 7,251 |
| Noninterest expense to average assets | 3.0847% | 3,761 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1769% | 5,921 |
| Return on assets (ROA) | 0.1769% | 5,749 |
| Pretax return on assets | 0.2330% | 5,659 |
| Return on Equity (ROE) | 1.6824% | 5,713 |
| Retained earnings to average equity (ytd only) | 1.6824% | 4,207 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9779% | 1,326 |
| Assets per employee ($millions) | 4.6258% | 2,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4535% | 7,911 |
| Loan loss allowance to noncurrent loans | 32.4324% | 6,556 |
| Noncurrent assets plus other real estate owned to assets | 1.1198% | 4,034 |
| Noncurrent loans to loans | 1.3984% | 3,718 |
| Net loans and leases to total assets | 79.7138% | 1,722 |
| Net loans and leases to deposits | 89.0547% | 3,626 |
| Net loans and leases to core deposits | 110.1242% | 3,769 |
| Total domestic deposits to total assets | 89.5110% | 842 |
| Equity capital to assets | 10.4198% | 3,591 |
| Core capital (leverage) ratio | 10.2166% | 3,249 |
| Tier 1 risk-based capital ratio | 20.0499% | 1,612 |
| Total risk-based capital ratio | 20.7488% | 1,662 |
| Memoranda: | ||
| Average total assets | $23,178,600 | 7,904 |
| Average earning assets | $21,802,800 | 7,867 |
| Average equity | $2,437,000 | 8,007 |
| Average total loans | $17,520,400 | 7,491 |